A legislative proposal from Senator Gillibrand would revive savings and deposit services offered by the USPS from 1911 to 1967 with an added kick – lending. This initiative could generate nearly $9 billion in additional revenue (2014 USOIG) for the beleaguered government postal service while offering a more equitable, accessible option than current usury payday lenders to low-income individuals.  Read more here on the proposal. The 2014 OIG white paper provides more details on the economic analysis that highlights the 68 million Americans underserved by the current financial system with average US households spending $2,412 on internet and banking fees. The original findings by the USPS suggested substantial reduced costs for these consumers due in part to its existing, existence mortar-and-bricks presence in every community.