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Poor in US behind most G-7 nations in bank participation

Less inclusive financial system cuts into their ability to prove creditworthiness and build assets

Washington

MARISSA Tobin has lived most of her 37 years without a bank account. "I was irresponsible," said Ms Tobin, who lives in Louisville, Kentucky. "I would pay my bills, but I would just spend the rest of my money."

She needed to establish a financial history to qualify for a

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