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FDIC 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.

Last Updated: October 27, 2023
Date Meeting Information Documents
11/02/2023 Updates 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
05/24/2023 Updates 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
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Minutes
10/27/2022 Updates 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
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Minutes
06/28/2022 Updates 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
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Minutes
10/07/2021 Updates 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
05/13/2021 Updates 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
10/22/2020 Updates 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
10/22/2019 Updates 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
10/24/2018 FDIC’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
10/18/2017 Safe 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
04/27/2017 Overview 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
10/20/2016 Expanding Access to Safe Transaction Accounts, Results of the FDIC National Survey of Unbanked and Underbanked Households, and Initial Lessons from FDIC Youth Savings Pilot Agenda
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Minutes
05/25/2016 Mobile 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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10/30/2015 Bank On 2.0 initiative, mobile banking research, expanding economic inclusion for individuals with disabilities, and Money Smart for Small Business Agenda
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05/15/2015 Youth Financial Education Opportunities Agenda
Minutes
10/29/2014 FDIC’s National Survey of Unbanked and Underbanked Households, Safe Banking Products, and BankOn 2.0 Agenda
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04/24/2014 New Efforts to Expand Economic Inclusion Agenda
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10/09/2013 Expanding Access in 2013: Updates on Initiatives to Better Serve the Unbanked and Underbanked Agenda
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05/16/2013 2013 Economic Inclusion Priorities Agenda
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12/13/2012 Banks' Efforts to Serve the Unbanked and Underbanked Agenda
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09/12/2012 FDIC's National Survey of Unbanked and Underbanked Households, Mobile Financial Services, and Model Safe Accounts Agenda
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04/26/2012 FDIC's Model Safe Accounts Pilot, Prepaid Cards and Mobile Financial Services Agenda
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12/01/2011 Evolving Trends in Financial Services: Opportunities and Challenges for the Underserved Agenda
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06/02/2011 The State of Economic Inclusion and the Way Forward Agenda
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03/02/2011 Principles for LMI Mortgage Lending, Teaching Financial Education, and Policy and Project Updates Agenda
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11/16/2010 Children's Savings, Underserved Studies, and Policy and Project Updates Agenda
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06/24/2010 Small Dollar Loan Pilot Program Final Results; Safe Transactional and Savings Account Proposed Templates; Policy and Project Updates Agenda
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04/01/2010 Safe Transaction and Savings Products and Strategic Planning Agenda
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12/02/2009 Results of the FDIC National Unbanked and Underbanked Household Survey, Overdraft Issues, and Strategic Focus for the Committee Agenda
Minutes
07/30/2009 Prize-linked Savings and Issues and Challenges Related to Reaching Out to Underserved and Low- and Moderate-Income Consumers Agenda
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02/05/2009 Strategies to Increase Access to the Financial Mainstream Agenda
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Minutes
07/09/2008 Strategies for Encouraging Mortgage Lending for Low and Moderate Income Households Agenda
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03/19/2008 Asset Building Opportunities for Individuals and Banks Agenda HTML | PDF
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10/24/2007 Money Services Businesses - Access to the Banking System Agenda HTML | PDF
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07/16/2007 Subprime Mortgage Situation - How Did We Get Here and What Can We Do? Agenda HTML | PDF
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03/28/2007 Small Dollar Lending Agenda HTML | PDF
Minutes

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Advisory Committee Members

  • Marla Bilonick
    President and CEO, National Association for Latino Community Asset Builders
  • Brandee McHale
    Head of Community Investing and Development, Citi
    President, Citi Foundation
  • Jonathan Mintz
    President and CEO, Cities for Financial Empowerment Fund
  • Ida Rademacher
    Vice President, Aspen Institute, Co-Executive Director Aspen Financial Security Program
  • Naomi Camper
    Chief Policy Officer, American Bankers Association
  • Thomas Foley
    Executive Director, National Disability Institute
  • Kenneth Kelly
    Chairman and CEO, First Independence Corp and First Independence Bank

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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FDIC Board Case - PDF

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