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: 


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88706 Federal Register / Vol. 88, No. 245 / Friday, December 22, 2023 / Notices 

Coin Introductory price Regular price 

Silver Proof (both programs) ........................................................................................................... $82.00 $87.00 

Silver Uncirculated (both programs) ................................................................................................ 77.00 82.00 

Clad Proof (both programs) ............................................................................................................. 49.00 54.00 

Clad Uncirculated (both programs) ................................................................................................. 47.00 52.00 

Products containing gold coins will be 

priced according to the Pricing of 

Numismatic and Commemorative Gold 

and Platinum Products Grid posted at 

www.usmint.gov. 

(Authority: Public Laws 117–162, 117–163) 

Eric Anderson, 

Executive Secretary, United States Mint. 

[FR Doc. 2023–28191 Filed 12–21–23; 8:45 am] 

BILLING CODE 4810–37–P 


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