88702 Federal Register / Vol. 88, No. 245 / Friday, December 22, 2023 / Notices 

Rivers and Harbors Act of 1899 [33 

U.S.C. 401–406]; Wild and Scenic 

Rivers Act [16 U.S.C. 1271–1287]; 

Emergency Wetlands Resources Act [16 

U.S.C. 3921, 3931]; Wetlands 

Mitigation, [23 U.S.C. 119(g) and 

133(b)(3)]; Flood Disaster Protection Act 

[42 U.S.C. 4001–4130]. 

9. Hazardous Materials: 

Comprehensive Environmental 

Response, Compensation, and Liability 

Act (CERCLA) [42 U.S.C. 9601–9675]; 

Superfund Amendments and 

Reauthorization Act of 1986 (SARA); 

Resource Conservation and Recovery 

Act (RCRA) [42 U.S.C. 6901–6992(k)]. 

10. Executive Orders: E.O. 11990 

Protection of Wetlands; E.O. 11988 

Floodplain Management; E.O. 12898, 

Federal Actions to Address 

Environmental Justice in Minority 

Populations and Low-Income 

Populations; E.O. 11593 Protection and 

Enhancement of Cultural Resources; 

E.O. 13007 Indian Sacred Sites; E.O. 

13287 Preserve America; E.O. 11514 

Protection and Enhancement of 

Environmental Quality; E.O. 13112 

Invasive Species. 

(Catalog of Federal Domestic Assistance 

Program Number 20.205, Highway Planning 

and Construction. The regulations 

implementing Executive Order 12372 

regarding intergovernmental consultation on 

Federal programs and activities apply to this 

program.) 

Authority: 23 U.S.C. 139(l)(1). 

Issued on: December 18, 2023. 

Karen M. Brunelle, 

Director, Office of Project Development, 

Federal Highway Administration, 

Tallahassee, Florida. 

[FR Doc. 2023–28234 Filed 12–21–23; 8:45 am] 

BILLING CODE 4910–RY–P 

DEPARTMENT OF TRANSPORTATION 

Federal Railroad Administration 

[Docket No. FRA–2001–11213, Notice No. 

28] 

Drug and Alcohol Testing: 

Determination of Minimum Random 

Testing Rates for 2024 

AGENCY: Federal Railroad 

Administration (FRA), Department of 

Transportation (DOT). 

ACTION: Notification of determination. 

SUMMARY: This notification of 

determination announces FRA’s 

minimum annual random drug and 

minimum annual random alcohol 

testing rates for covered service, 

maintenance-of-way (MOW), and 

mechanical (MECH) employees for 

calendar year 2024. 

DATES: This determination takes effect 

December 22, 2023. 

FOR FURTHER INFORMATION CONTACT: 

Gerald Powers, FRA Drug and Alcohol 

Program Manager, by email: 

gerald.powers@dot.gov or by telephone: 

202–493–6313; or Melissa Van Dermeir, 

FRA Drug and Alcohol Program 

Specialist, by email: 

melissa.vandermeir@dot.gov or by 

telephone: 312–720–9491. 

SUPPLEMENTARY INFORMATION: Each year, 

FRA sets its minimum annual random 

testing rates after considering the last 

two complete calendar years of railroad 

industry drug and alcohol program data 

submitted to DOT’s Management 

Information System (MIS) for DOT drug 

and alcohol testing results. FRA, 

however, reserves the right to consider 

factors in addition to MIS-reported data 

before deciding whether to lower annual 

minimum random testing rates. See 85 

FR 81265 (Dec. 15, 2020). 

To summarize, FRA is announcing 

that its minimum annual random drug 

and alcohol testing rates for the period 

between January 1, 2024, through 

December 31, 3024 (Calendar Year 2024) 

will continue to be as follows: 

Covered service employees—25 

percent for drugs and 10 percent for 

alcohol. 

MOW employees—25 percent for 

drugs and 10 percent for alcohol. 

MECH employees—50 percent for 

drugs and 25 percent for alcohol. 

These rates are minimums, and 

railroads and railroad contractors may 

conduct random testing at higher rates 

than those required by this notification 

of determination. 

Discussion 

Random Testing Rates for Covered 

Service Employees 

The rail industry’s random drug 

testing positive rate for covered service 

employees remained below 1.0 percent 

for 2021 and 2022. The Administrator 

has therefore determined the minimum 

annual random drug testing rate for 

covered service employees will remain 

at 25 percent for Calendar Year 2024. 

The industry-wide random alcohol 

testing violation rate for covered service 

employees remained below .5 percent 

for 2021 and 2022. The Administrator 

has therefore determined the minimum 

random alcohol testing rate for covered 

service employees will remain at 10 

percent for Calendar Year 2024. 

Random Testing Rates for MOW 

Employees 

The rail industry’s random drug 

testing positive rate for MOW 

employees remained below 1.0 percent 

for 2021 and 2022. The Administrator 

has therefore determined the minimum 

annual random drug testing rate for 

MOW employees will remain at 25 

percent for calendar year 2024. The 

industry-wide random alcohol testing 

violation rate for MOW employees 

remained below 0.5 percent for 2021 

and 2022. The Administrator has 

therefore determined the minimum 

random alcohol testing rate for MOW 

employees will remain at 10 percent for 

Calendar Year 2024. 

Random Testing Rates for MECH 

Employees 

FRA does not have the two full years 

of MIS data required to adjust the 

random testing rates for MECH 

employees, because those employees 

became subject to FRA random drug and 

alcohol testing in March 2022. See 87 

FR 5719, February 2, 2022. The 

Administrator has therefore determined 

that the minimum random testing rates 

for MECH employees will remain at 50 

percent for drugs and 25 percent for 

alcohol for Calendar Year 2024. 

Issued in Washington, DC. 

Amitabha Bose, 

Administrator. 

[FR Doc. 2023–28264 Filed 12–21–23; 8:45 am] 

BILLING CODE 4910–06–P 

DEPARTMENT OF THE TREASURY 

[TREAS–DO–2023–0014] 

Request for Information on Financial 

Inclusion 

AGENCY: Departmental Offices, 

Department of the Treasury. 

ACTION: Request for information (RFI). 

SUMMARY: The Department of the 

Treasury (Treasury) invites public input 

to inform its development of a national 

strategy for financial inclusion. This 

request for information (RFI) offers the 

opportunity for interested individuals 

and organizations to identify 

opportunities to advance financial 

inclusion through policy, government 

programs, financial products and 

services, technology, and other tools 

and infrastructure. 

DATES: Written comments and 

information are requested on or before 

February 20, 2024. 

ADDRESSES: Please submit comments 

electronically through the Federal 

eRulemaking Portal: https://

www.regulations.gov. 

In general, all comments will be 

available for inspection at 

www.regulations.gov. Comments, 

including attachments and other 


ddrumheller on DSK120RN23PROD with NOTICES1
Federal Register / Vol. 88, No. 245 / Friday, December 22, 2023 / Notices 88703 

1U.S. Congress, Joint Explanatory Statement for 

Financial Services and General Government 

Appropriations Bill, 2023, 117th Congress, https:// 

www.congress.gov/117/cprt/HPRT50347/CPRT117HPRT50347.pdf. 

2See The World Bank, Financial Inclusion, 

https://www.worldbank.org/en/topic/ 

financialinclusion/overview, and United Nations 

Secretary-General’s Special Advocate for Inclusive 

Finance for Development, Financial Inclusion, 

https://www.unsgsa.org/financial-inclusion. 

3Federal Deposit Insurance Corporation, 2021 

FDIC National Survey of Unbanked and 

Underbanked Households (Jul. 2023), https://

www.fdic.gov/analysis/household-survey/ 

2021report.pdf. 

4Federal Reserve Board, Report on the Economic 

Well-Being of U.S. Households in 2022 (SHED) 

(May 2023), https://www.federalreserve.gov/ 

publications/2023-economic-well-being-of-ushouseholds-in-2022-banking-credit.htm. 

5See Federal Deposit Insurance Corporation, op 

cit. 3. 

supporting materials, are part of the 

public record. Do not submit any 

information in your comments or 

supporting materials that you consider 

confidential or inappropriate for public 

disclosure. 

FOR FURTHER INFORMATION CONTACT: 

Natalia Li, Director, Office of Consumer 

Policy, 202–622–1388, natalia.li@

treasury.gov; Nora Esposito, Senior 

Advisor, Office of Consumer Policy, 

202–604–9307, nora.esposito@

treasury.gov. 

SUPPLEMENTARY INFORMATION: 

I. Background 

The Financial Services and General 

Government Appropriations Act, 2023 

(FSGG), enacted December 29, 2022, 

directed Treasury to develop a national 

strategy to improve financial inclusion. 

Specifically, the FSGG tasked Treasury 

with developing a strategy to broaden 

access to financial services among 

underserved communities and improve 

the ability of such communities to use 

and benefit from financial tools and 

services. The FSGG stated that ‘‘the 

strategy should establish national 

objectives for financial inclusion, set 

benchmarks for measuring progress, and 

offer recommendations for how public 

policy, government programs, financial 

products and services, technology, and 

other tools and infrastructure can 

advance financial inclusion.’’ 1

Treasury intends for the strategy to 

identify clear and actionable 

opportunities for the public, private, 

and nonprofit sectors to advance 

financial inclusion. Treasury is 

therefore seeking information and 

recommendations from all interested 

parties for the purpose of advancing 

financial inclusion through policy, 

government programs, financial 

products and services, technology, and 

other tools and market infrastructure. 

Treasury is committed to including a 

broad range of perspectives in efforts to 

promote financial inclusion and is 

particularly interested in the views and 

needs of underserved communities. 

II. Overview 

Households rely on consumer 

financial products and services, from 

transaction accounts to mortgages, to 

meet their financial needs and goals. 

However, historic and ongoing 

discrimination, exclusion, and disparate 

treatment have resulted in significant 

disparities in access to and use of 

financial products and services across 

different populations and communities, 

including low-income and low-wealth 

communities, Black, Indigenous, (and) 

People of Color or BIPOC communities, 

and women. Improving inclusion in the 

financial system is a critical part of 

fostering financial security, expanding 

opportunities to build wealth, and 

closing the racial wealth gap. 

While definitions of ‘‘financial 

inclusion’’ vary, conventional 

interpretations of the term often center 

around accessibility, indicating that 

financial inclusion pertains to access to 

core financial products and services like 

bank accounts, credit, and digital 

payments.2 Beyond access, the term can 

also be used in ways that incorporate 

considerations of the affordability, 

utility, safety, sustainability, and 

suitability of financial products and 

services. Financial inclusion can 

involve things other than specific 

products or services, such as financial 

information or education that helps 

consumers learn how to access and use 

financial products, or to avoid frauds, 

scams, and other predatory financial 

practices. The interpretation of the term 

is also influenced by the unique 

socioeconomic, cultural, and regulatory 

context in which the term is used. 

Financial inclusion is often associated 

with other areas more broadly related to 

the status of consumer finances, 

including financial well-being and 

financial health, among others. 

The ability to access and use financial 

products and services can confer 

significant benefits to consumers. At the 

household level, access to financial 

products and services enhances 

households’ ability to make payments, 

save, and borrow, helping to facilitate 

full participation in the economy and 

the ability to both manage day-to-day 

needs and navigate financial shocks or 

emergencies. Certain financial products 

and services also play a central role in 

facilitating individual and household 

financial security and wealth; for 

example, financing for businesses or 

educational opportunities can help 

generate future financial benefit. 

Financial inclusion can meaningfully 

enhance consumers’ ability to transact 

and save, as well as enable investments 

that bolster income and wealth, which 

can ultimately have positive impacts on 

the overall economy. 

The United States has wellestablished financial infrastructure 

which provides many consumers with 

broad access to financial products and 

services. A commonly cited measure 

relating to the state of financial 

inclusion and access to financial 

services is the unbanked rate, the share 

of households without a checking or 

savings account at a bank or credit 

union. The most recent 2021 FDIC 

National Survey of Unbanked and 

Underbanked Households found that an 

estimated 4.5 percent, or 5.9 million, of 

all U.S. households were unbanked, the 

lowest since the survey began in 2009.3

Recent data from the Federal Reserve 

Board indicates that in 2022, 82 percent 

of all adults reported having a credit 

card, and the majority of adults who 

applied for credit were approved for the 

amount they requested.4

However, there are significant 

disparities in how well the financial 

system functions for different 

populations and communities. Lowincome and low-wealth communities, 

racial and ethnic minorities, Native and 

Tribal communities, people with 

disabilities, women, LGBTQI 

communities, immigrants, individuals 

with limited English proficiency, 

justice-involved individuals, and other 

underserved individuals and groups 

experience differences in access to the 

financial system and use of financial 

products and services, with 

consequences for their economic 

security and wealth-building capacity. 

These disparities relate to historic and 

intentional exclusion from the financial 

system, ongoing forms of discrimination 

and predatory practices, and other 

barriers. 

In 2021, while only 2 percent of white 

households were unbanked, 11 percent 

of Black households, and 9 percent of 

Hispanic households lacked bank 

accounts. Persistent disparities in 

unbanked rates between white and 

minority households are found at all 

income levels.5 Additionally, in 2021, 

14.1 percent of households were 

‘‘underbanked,’’ meaning respondents 

had a bank account but also used oftencostly alternative financial services 

within the past year to meet needs that 

they were unable to meet through 

offerings from traditional financial 

service providers, such as quickly 


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88704 Federal Register / Vol. 88, No. 245 / Friday, December 22, 2023 / Notices 

6Alternative financial products and services 

include nonbank transaction or credit products or 

services, which are often associated with 

comparatively higher costs than those of traditional 

financial products and services. See Federal Deposit 

Insurance Corporation, op cit. 3. 7Federal Reserve Board, 2022 Survey of 

Consumer Finances (SCF) (Oct. 2023), https://

www.federalreserve.gov/econres/scfindex.htm. 8For more details about the CFPB’s definition 

and measurement of financial well-being, see CFPB, 

Making Ends Meet in 2022 (Dec. 2022), cfpb_

making-ends-meet-in-2022_report_2022–12.pdf 

(consumerfinance.gov), and https://

www.consumerfinance.gov/data-research/researchreports/financial-well-being-scale/. 

9See Federal Deposit Insurance Corporation, op 

cit. 3. 

10U.S. Department of the Treasury, Freedman’s 

Bank Demise, https://home.treasury.gov/about/ 

history/freedmans-bank-building/freedmans-bankdemise, Amalie Zinn, Michael Neal, Vanessa G. 

Perry, Building Trust in the Financial System is Key 

to Closing the Racial Wealth Gap, Urban Institute 

(Jun. 2023), https://www.urban.org/urban-wire/ 

building-trust-financial-system-key-closing-racialwealth-gap, Rocio Sanchez-Moyano and Bina Patel 

Shrimali, The Racialized Roots of Financial 

Exclusion, Federal Reserve Bank of San Francisco 

(Aug. 2021), https://www.frbsf.org/communitydevelopment/publications/communitydevelopment-investment-review/2021/august/theracialized-roots-of-financial-exclusion/. 

11E.O. 14036, 86 FR 36987 (Jul. 9, 2021). 

12U.S. Department of the Treasury, Report to the 

White House Competition Council, Assessing the 

Impact of New Entrant Non-bank Firms on 

Competition in Consumer Finance Markets (Nov. 

2022), https://home.treasury.gov/system/files/136/ 

Assessing-the-Impact-of-New-Entrant-NonbankFirms.pdf. 

13U.S. Government Accountability Office, 

Broadband: National Strategy Needed to Guide 

Federal Efforts to Reduce Digital Divide (May 2022), 

https://www.gao.gov/products/gao-22-104611. 

cashing checks, sending money 

overseas, or accessing short-term 

credit.6 Underbanked households were 

more likely to belong to racial and 

ethnic minority groups, have lower 

incomes, or have a disability. For those 

unable to access these financial 

products and services, managing day-today finances can be difficult and 

expensive. 

Disparities also exist in access to 

financial products and services used to 

facilitate long-term financial security 

and wealth. Beyond un- and underbanked rates, there are disparities 

among different groups in the use of 

financial products and services, 

including tax-advantaged retirement 

accounts, stock market investments, 

insurance, and small business loans. In 

2020, while 54 percent of white 

households reported owning a 

retirement account, only 28 percent of 

Hispanic households and 36 percent of 

Black households reported having an 

account. In 2022, rates of stock and 

business ownership were 65 percent 

and 16 percent respectively for white 

households. These rates stood at 40 

percent and 11 percent for Black 

households and 27 percent and 13 

percent for Hispanic households. Lack 

of access to such financial products and 

services can hinder households’ ability 

to manage financial shocks and build 

long-term financial security, which is 

reflected in persistent gaps in broader 

economic measures between different 

groups. According to data from the 

Federal Reserve Board, in 2022, median 

wealth among Black and Hispanic 

households was only 15 and 20 percent, 

respectively, of that of white 

households.7 Members of minority 

groups also have consistently lower 

financial well-being scores as measured 

by the Consumer Financial Protection 

Bureau’s Financial Well-Being Scale.8

As these figures demonstrate, equalizing 

financial access and inclusion is a 

necessary component of fostering 

financial security for all Americans and 

closing the racial wealth gap. 

There are many reasons that 

individual consumers may face barriers 

accessing or using traditional financial 

products and services, and the 

challenges different communities face 

are diverse. Further, while some 

consumers may have the ability to 

access traditional financial products and 

services, they may prefer to manage 

their financial needs through other 

means. In 2021, unbanked households’ 

most-cited reasons for not having a bank 

account were account fees and 

minimum balance requirements, as well 

as concerns over privacy and lack of 

trust in banks.9 In addition to financial 

precarity, some of these concerns may 

relate to legacies of historic 

mistreatment of certain communities by 

the financial system, and to ongoing 

forms of discrimination.10

New developments in the provision of 

financial products and services have 

implications for financial inclusion. 

Recent efforts to foster competition and 

innovation in the financial sector may 

benefit consumers as providers develop 

new or improved offerings.11 In 

addition, both traditional banks and 

non-bank entities have increasingly 

offered financial products and services 

through digital channels, opening access 

to financial products and services for 

some consumers.12 However, the 

‘‘digital divide,’’ or gap between those 

with and without broadband access, 

presents a significant limitation to the 

potential inclusionary benefits of digital 

financial services, while also potentially 

creating new disparities in access.13

Expanding the provision of certain 

financial products and services may also 

raise concerns about predatory or 

exploitative practices. Providing 

financial services to certain households 

on unfair, deceptive, or abusive terms, 

or in a way that exposes consumers to 

inappropriate levels of risk can result in 

financial harm to consumers and 

communities and may also undermine 

trust in financial service providers. As 

financial institutions continue to 

innovate their products or business 

models, ensuring that resulting 

consumer products and services are 

safe, beneficial, and do not perpetuate 

or create new forms of exclusion or 

discrimination is vital to efforts to 

promote financial inclusion. 

III. Request for Information 

Treasury welcomes input on any 

matter that commenters believe is 

relevant to Treasury’s efforts to develop 

a national strategy for financial 

inclusion. Commenters are encouraged 

to address all of the following questions, 

and to provide any other comments 

relevant to work improving financial 

inclusion for underserved communities. 

Where possible, please provide specific 

examples. 

A. Defining Financial Inclusion 

1. How do you or your organization 

define financial inclusion? 

(a) Some definitions of financial 

inclusion include considerations of 

access, safety, usefulness, 

appropriateness, and affordability of 

financial products and services, among 

others. What are the key elements of 

your definition and why do you include 

them? 

(b) Some topics related to financial 

inclusion include financial health, 

financial well-being, financial 

capability, and financial resilience. Do 

any of these or other related topics 

relate to or influence your definition of 

financial inclusion, and if so, why? 

(c) Given the multiple elements and 

terms associated with financial 

inclusion, is there an alternative term 

that you believe should be used instead 

of financial inclusion? 

2. What do you consider to be in and 

out of scope for efforts to promote 

financial inclusion? 

(a) Which financial products and 

services should consumers be able to 

access in order to be considered 

financially included? Please provide 

specific examples. Are there particular 

qualities that are important for these 

products and services to have? 

(b) Which consumer financial 

activities are relevant when considering 

how to advance financial inclusion? For 

example, do you consider accessing tax 

benefits you may be eligible for, sending 

peer-to-peer payments, or transacting in 

cash relevant? Do you consider 

activities like saving for retirement, 

investing, purchasing a home, or 


ddrumheller on DSK120RN23PROD with NOTICES1
Federal Register / Vol. 88, No. 245 / Friday, December 22, 2023 / Notices 88705 

starting or growing a business relevant 

to financial inclusion? Are there 

consumer financial activities that are 

not relevant? 

(c) What is the relationship between 

financial inclusion and financial 

security? Between financial inclusion 

and building wealth? 

B. Barriers to Financial Inclusion 

1. Are there features of the existing 

financial system (for example, pricing 

strategies, fees, penalties, underwriting 

methods and standards, uses of 

consumer data, technological systems or 

constraints, institutional protocols 

related to fraud or risk management, or 

other features) that limit or create 

inequalities in the ability of consumers 

and communities to access, use, and 

benefit from financial products and 

services? Which features are the most 

limiting, and for whom? Please provide 

specific examples. 

2. What is the role of other factors 

such as broadband access, mobile or 

digital proficiency, language access, 

individuals’ broader economic 

circumstances, or availability of 

unbiased information about products 

and services in financial inclusion? 

Please provide specific examples, 

including which community or 

communities might face resulting 

impacts. 

3. What barriers do underserved 

communities in particular experience in 

accessing, using, and benefiting from 

financial products and services? 

(a) If relevant, what are the 

community-specific barriers faced by 

members of your community or the 

communities you serve or represent in 

relation to accessing or building credit, 

accessing or using savings and 

investment tools (including those that 

facilitate retirement security), managing 

financial risk, acquiring assets, or other 

financial activities? Please provide 

specific examples. 

C. Measuring Financial Inclusion 

1. What are key indicators that can be 

used to measure and track financial 

inclusion? If possible, please provide 

specific examples of existing data 

sources. 

(a) What are appropriate quantitative 

and qualitative measures of financial 

inclusion? For example, this could 

include the share of households that 

own a credit card or transaction 

account, or consumers’ beliefs about 

how well financial products and 

services fit their needs. 

(b) What are appropriate individual 

and/or system-level measures of 

financial inclusion? For example, this 

could include the share of consumers’ 

total payments made electronically, or 

consumers’ average savings balances. 

More broadly, this could include 

metrics related to availability, 

affordability, utilization or benefit of 

financial products and services, such as 

the number of bank branches available 

in a certain area, average transaction 

costs, rates of utilization for a given 

product or service, or consumer 

outcomes related to product or service 

use. 

(c) Are there any intermediate 

benchmarks or indicators that should be 

tracked to measure overall progress 

toward financial inclusion? 

2. If relevant, how do you measure or 

track the state of financial inclusion (or 

exclusion) in your community or in the 

communities you serve or represent? 

Please provide specific examples. 

D. Actions To Promote Financial 

Inclusion 

1. Please describe examples of 

existing programs, initiatives, products, 

or services successful in promoting 

financial inclusion. Why were these 

effective and what are promising 

practices or other lessons learned? 

2. What should be done to improve 

financial inclusion for underserved 

communities? 

(a) How can initiatives to promote 

financial inclusion be tailored to 

address the unique needs and 

preferences of underserved 

communities, and how can the financial 

system build trust among consumers 

who have been excluded? Please 

provide specific examples. 

(b) If relevant, what do you or your 

organization do to promote financial 

inclusion for underserved communities? 

Please provide specific examples. 

(c) If relevant, what would you or 

your organization need (for example, 

information, resources, policies, 

regulatory actions, etc.) to be able to 

better meet the financial needs of 

underserved communities? Please 

provide specific examples. 

3. What can be done to enable 

responsible, equitable innovation in 

financial products and services that 

enhances financial inclusion while 

ensuring robust consumer protections, 

including privacy and data security? For 

example, could novel data sources, data 

analytic techniques or algorithms be 

leveraged to promote access to financial 

products while ensuring privacy 

protections and safeguarding consumer 

data? 

(a) What are examples of innovative 

financial products, services, and 

strategies that have enhanced 

individuals’ ability to access, use, and 

benefit from these offerings? 

(b) What can be done (in financial 

institution practice, policy, regulation, 

or otherwise) to ensure that efforts to 

promote financial inclusion, or products 

marketed as inclusionary do not result 

in or perpetuate discriminatory or 

predatory practices? 

4. What should be prioritized (in 

policy, regulation, practice or otherwise) 

in the effort to promote financial 

inclusion? 

(a) In your view, what are the most 

significant opportunities to advance 

financial inclusion both broadly and for 

underserved communities in particular? 

Please provide specific examples. 

5. What roles should the public, 

private, and nonprofit sectors play in 

promoting financial inclusion? 

6. In your view, what should a 

national strategy for financial inclusion 

contain or aim to accomplish? 

E. Other Topics Related to Financial 

Inclusion 

1. Are there additional aspects of or 

topics related to financial inclusion that 

Treasury should be aware of in 

developing a national strategy for 

financial inclusion? 

Natalia V. Li, 

Director, Office of Consumer Policy. 

[FR Doc. 2023–28263 Filed 12–21–23; 8:45 am] 

BILLING CODE 4810–AK–P 

DEPARTMENT OF THE TREASURY 

United States Mint 

Pricing for the 2024 Harriet Tubman 

and Greatest Generation 

Commemorative Coin Programs 

AGENCY: United States Mint, Department 

of the Treasury. 

ACTION: Notice. 

SUMMARY: The United States Mint is 

announcing pricing for the 2024 Harriet 

Tubman and Greatest Generation 

Commemorative Coin Programs. 

FOR FURTHER INFORMATION CONTACT: Ann 

Bailey, Sr. Program Manager for Sales 

and Marketing; United States Mint; 801 

9th Street NW, Washington, DC 20220; 

or call 202–354–7500. 

SUPPLEMENTARY INFORMATION: Pricing for 

the 2024 Harriet Tubman and Greatest 

Generation Commemorative Coin 

Programs is as follows: 


ddrumheller on DSK120RN23PROD with NOTICES1