You mentioned a definition of low-cost accounts compared to no-cost accounts. Currently, as Ms. Ryan explained a few minutes ago, this is subject to an agreement under which financial institutions are committed to providing accounts.
When we say “no-fee”, it's free, and “low-fee” is $4. The bill gives the government the authority to establish regulations that could replace the existing voluntary agreement.
There is no proposal to define the specific features of a low-cost account because it is currently defined under this agreement. However, if the government decided to adopt regulations, it would replace this agreement, and the specific costs could be defined in the regulations.