Financial Inclusion in Banking Act of 2025

HR 2890, the Financial Inclusion in Banking Act of 2025, creates a new "Office of Community Affairs" within the Consumer Financial Protection Bureau (CFPB). This office must research why individuals and households avoid or leave traditional banks (particularly low- and moderate-income people, minorities, and rural communities), consult with relevant groups like community advocates and minority banks, and develop strategies to improve financial education and access. The office is required to report to Congress every two years on barriers to banking access and recommend solutions. The bill directly affects under-banked, un-banked, and underserved consumers by mandating federal action to address systemic barriers in banking relationships.