Whereas, according to the report entitled Economic Well-Being of U.S. Households in 2021 by the Board of Governors of the Federal Reserve System, a noted increase in financial well-being occurred broadly as the United States recovered from the COVID–19 pandemic, but existing gaps in education, ethnicity, and disability persisted; Whereas, according to the 2021 Federal Deposit Insurance Corporation National Survey of Unbanked and Underbanked Households— (1) approximately 4.5 percent of households, representing 5,900,000 households in the United States, are unbanked and, therefore, have limited or no access to savings, lending, and other basic financial services; and (2) an estimated 14.1 percent of households, representing 18,700,000 million households in the United States, are underbanked; Whereas, according to the 2021 Consumer Financial Literacy and Preparedness Survey of the National Foundation for Credit Counseling and Wells Fargo— (1) 47 percent of the general population in the United States report having credit card debt; (2) 38 percent of adults in the United States report carrying credit card balances from month-to-month; and (3) 44 percent of the general population in the United States have a budget and keep close track of expenses, such as food, housing, and entertainment; Whereas, according to a report entitled Financial Capability of Adults with Disabilities by the National Disability Institute and the Financial Industry Regulatory Authority, people with disabilities were more likely to struggle with the key components of financial capability, which are making ends meet, planning ahead, managing financial products, and financial knowledge and decision-making, and could benefit from targeted financial education; Whereas, according to the statistical release of the Board of Governors of the Federal Reserve System for the fourth quarter of 2022 entitled Household Debt and Credit — (1) outstanding household debt in the United States has increased by $2,750,000,000,000 since the end of 2019