From the Document: "This report provides an overview on financial inclusion. It then focuses on three areas: (1) access to bank and other payment accounts; (2) inclusion in the credit reporting system; and (3) access to affordable short-term credit. These areas are generally considered foundational for households to successfully manage their financial affairs and graduate to wealth building activities in the future. Wealth building activities--such as access to homeownership, education, and other financial investments--are outside the scope of this report."
CRS Report for Congress, R45979
Congressional Research Service: https://crsreports.congress.gov/