Whereas, according to the Federal Deposit Insurance Corporation (referred hereinafter as the FDIC ), at least 18.6 percent of households in the United States, or nearly 24,600,000 households, are unbanked or underbanked and therefore have not had an opportunity to access savings, lending, and other basic financial services; Whereas, according to the 2021 Consumer Financial Literacy and Preparedness Survey final report of the National Foundation for Credit Counseling— (1) only 44 percent of adults in the United States have a budget; (2) 75 percent of adults in the United States acknowledged that they could benefit from additional advice and answers to everyday financial questions from a professional; (3) 1 in 4 adults in the United States admitted they do not pay all their bills on time; and (4) 47 percent of the general population currently holds credit card debt, and almost 2 in 5 carry some amount of credit card debt month to month, with the mean amount of self-reported debt equaling $1,847; Whereas the Report on the Economic Well-Being of U.S. Households in 2021 by the Board of Governors of the Federal Reserve found that 32 percent of adults could not cover a $400 emergency expense without borrowing or selling something of value; Whereas, according to the Quarterly Report on Household on Credit Debt for the fourth quarter of 2022 released by the Federal Reserve Bank of New York’s Center for Microeconomic Data, outstanding household debt in the United States was $16.9 trillion; Whereas, according to the 2022 Survey of the States: Economic and Personal Finance Education in Our Nation’s Schools, a biennial report by the Council for Economic Education— (1) only 25 States require students to take an economics course as a high school graduation requirement; and (2) only 23 States require students to take a personal finance course as a high school graduation requirement, either independently or as part of an economics course