Bringing more unbanked Americans into the financial mainstream : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Seventh Congress, second session, on examining issues related to improving access to affordable and convenient banking services and products for those individuals currently lacking a relationship with an insured depository institution ; a review of the Treasury Department's efforts to improve access to banking accounts through its implementation of the First Accounts Program, May 2, 2002.