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Advisory Committees

Advisory Committee on Economic Inclusion (ComE-IN)

The Advisory Committee on Economic Inclusion (ComE-IN) was established by Chairman Sheila C. Bair and the FDIC Board of Directors pursuant to the Federal Advisory Committee Act. The Committee was chartered in November 2006. The Committee is to provide the FDIC with advice and recommendations on important initiatives focused on expanding access to banking services by underserved populations. This may include reviewing basic retail financial services such as check cashing, money orders, remittances, stored value cards, short-term loans, savings accounts, and other services that promote asset accumulation by individuals and financial stability.
DateMeeting InformationDocuments
11/13/2024Updates from Committee members about key challenges facing their communities or organizations. There will be presentations and panel discussions on qualitative research regarding consumer perceptions of banks and non-bank financial services firms, the FDIC’s proposed rulemaking on recordkeeping for custodial deposit accounts with transactional features, as well as a review of results from the 2023 FDIC National Survey of Unbanked and Underbanked Households.Agenda
06/04/2024Updates from Committee members about key challenges facing their communities or organizations. There will be panel discussions on the current environment for economic inclusion, including industry and market trends that affect consumer participation in the banking system.Agenda
Transcript
Minutes
11/02/2023Updates from Committee members about key challenges facing their communities and organizations. There will be panel discussions on the final Community Reinvestment Act (CRA) rule, research informing the next FDIC multi-year economic inclusion strategic plan, and recent marketplace developments related to bank small-dollar lending programs.Agenda
Transcript
Minutes
05/24/2023Updates from Committee members about key challenges facing their communities or organizations. There will also be panel discussions on opportunities for agencies that administer government benefit programs to harness "bankable moments" as a successful approach to encourage unbanked households to join the banking system as well as presentations by banks and communitybased organizations about programs designed to increase bank access.Agenda
Transcript
Minutes
10/27/2022Updates from Committee members about key challenges facing their communities or organizations. There will also be panel discussions on maintaining confidence in banks and deposit insurance as well as a presentation and review of data from the 2021 Household Survey of the Unbanked and Underbanked.Agenda 
Transcript
Minutes
06/28/2022Updates from Committee members about key challenges facing their communities or organizations. There will also be panel discussions covering the Notice of Proposed Rulemaking to modernize the Community Reinvestment Act, and issues of equity in residential property valuation and appraisal.Agenda 
Transcript
Minutes
10/07/2021Updates from the committee members about key challenges facing their communities or organizations. In addition, there will be panel discussions covering housing market trends, tax time opportunities to expand account access as well as highlights from the FDIC Tech Sprint, Breaking Down Barriers: Reaching the 'Last Mile' of the Unbanked.Agenda
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Minutes
05/13/2021Updates from the committee members about key challenges facing their communities or organizations, expanding account access — #GetBanked, and expanding inclusion through technology and innovation.Agenda
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Minutes
10/22/2020Updates from the committee members about key challenges facing their communities or organizations, results of the 2019 Household Survey of the Underbanked, and other various reports relating to the financial condition of and challenges facing households during the pandemic.Agenda
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Minutes
10/22/2019Updates from the committee members about key challenges facing their communities or organizations, developments in credit scoring and underwriting, mortgage market updates, and sustainable transaction accounts progress.Agenda 
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Minutes
10/24/2018FDIC’s 2017 National Survey of Unbanked and Underbanked Households, a review of the UK Financial Conduct Authority (FCA) Mobile Study, and youth employment programs and deposit accounts.Agenda
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Minutes
10/18/2017Safe Accounts, 2016 FDIC Bank Survey Results, Financial Inclusion for Persons with Disabilities, and an update on Neighborhood Access to Bank Branches.Agenda
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Minutes
04/27/2017Overview of the FDIC’s Economic Inclusion Summit and economic inclusion initiatives, neighborhood access to bank branches, economic inclusion collaborations from the underserved communities, and accessing resources for affordable mortgage lending.Agenda 
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Minutes
10/20/2016Expanding Access to Safe Transaction Accounts, Results of the FDIC National Survey of Unbanked and Underbanked Households, and Initial Lessons from FDIC Youth Savings PilotAgenda 
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Minutes
05/25/2016Mobile banking research, payment system modernization, banks’ efforts to serve the unbanked and underbanked, and opportunities to expand economic inclusion for persons with disabilities.Agenda
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10/30/2015Bank On 2.0 initiative, mobile banking research, expanding economic inclusion for individuals with disabilities, and Money Smart for Small BusinessAgenda
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05/15/2015Youth Financial Education OpportunitiesAgenda
Minutes
10/29/2014FDIC’s National Survey of Unbanked and Underbanked Households, Safe Banking Products, and BankOn 2.0Agenda
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04/24/2014New Efforts to Expand Economic InclusionAgenda
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10/09/2013Expanding Access in 2013: Updates on Initiatives to Better Serve the Unbanked and UnderbankedAgenda 
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05/16/20132013 Economic Inclusion PrioritiesAgenda
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12/13/2012Banks' Efforts to Serve the Unbanked and UnderbankedAgenda
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09/12/2012FDIC's National Survey of Unbanked and Underbanked Households, Mobile Financial Services, and Model Safe AccountsAgenda
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04/26/2012FDIC's Model Safe Accounts Pilot, Prepaid Cards and Mobile Financial ServicesAgenda
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12/01/2011Evolving Trends in Financial Services: Opportunities and Challenges for the UnderservedAgenda
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06/02/2011The State of Economic Inclusion and the Way ForwardAgenda
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03/02/2011Principles for LMI Mortgage Lending, Teaching Financial Education, and Policy and Project UpdatesAgenda
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11/16/2010Children's Savings, Underserved Studies, and Policy and Project UpdatesAgenda
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06/24/2010Small Dollar Loan Pilot Program Final Results; Safe Transactional and Savings Account Proposed Templates; Policy and Project UpdatesAgenda
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04/01/2010Safe Transaction and Savings Products and Strategic PlanningAgenda
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12/02/2009Results of the FDIC National Unbanked and Underbanked Household Survey, Overdraft Issues, and Strategic Focus for the CommitteeAgenda
Minutes
07/30/2009Prize-linked Savings and Issues and Challenges Related to Reaching Out to Underserved and Low- and Moderate-Income ConsumersAgenda
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02/05/2009Strategies to Increase Access to the Financial MainstreamAgenda
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Minutes
07/09/2008Strategies for Encouraging Mortgage Lending for Low and Moderate Income HouseholdsAgenda
Minutes
03/19/2008Asset Building Opportunities for Individuals and BanksAgenda HTML | PDF
Minutes
10/24/2007Money Services Businesses - Access to the Banking SystemAgenda HTML | PDF
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07/16/2007Subprime Mortgage Situation - How Did We Get Here and What Can We Do?Agenda HTML | PDF
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03/28/2007Small Dollar LendingAgenda HTML | PDF
Minutes

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Advisory Committee Members

Committee Charter and Purpose

Designation of Federal Officer

Membership Balance Plan for the FDIC Advisory Committee on Economic Inclusion (ComE-IN) (Updated December 2, 2022)

Charter of the FDIC Advisory Committee on Economic Inclusion (ComE-IN) (Renewed on December 2, 2022)

Federal Register Notice: Renewal of Charter

Charter Establishing the FDIC Advisory Committee on Economic Inclusion (ComE-IN)

Federal Register Notice: Establishment of FDIC Advisory Committee on Economic Inclusion 
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Other Documents

Strategic Plan: FDIC Advisory Committee on Economic Inclusion Strategic Plan - 2010-2012
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FDIC Press Release: 
FDIC Board Approves Creation of Advisory Committee on Economic Inclusion

Committee Report: 
Report of FDIC's Advisory Committee on Economic Inclusion - February 5, 2009 Meeting

Last Updated: November 12, 2024