This legislation, titled the "Financial Inclusion in Banking Act of 2025," amends the Consumer Financial Protection Act of 2010 to significantly expand the duties of the Office of Community Affairs within the Consumer Financial Protection Bureau. Its core purpose is to identify the causes and develop solutions for the under-banked, un-banked, and underserved consumer populations, aiming to foster greater financial inclusion across the United States. The Office of Community Affairs will lead comprehensive research to pinpoint factors preventing individuals from maintaining sustainable relationships with depository institutions, consulting with diverse stakeholders including trade associations, consumer advocates, and civil rights groups. The office is also tasked with coordinating efforts among federal agencies to assess participation barriers and developing strategies for financial education tailored to these populations. Additionally, it must identify internal subject matter experts to work on these critical issues. A key provision requires the Office of Community Affairs to submit a detailed report to Congress every two years, outlining impediments to fair banking access, discussing regulatory or structural barriers, and providing recommendations to enhance participation for all consumers within the banking system.