; and (B) the date on which the Department of Housing and Urban Development begins providing online or telephone-operated counseling services described under paragraph (4). ; (2) in section 129C ( 15 U.S.C. 1639c )— (A) in subsection (b)(2)(A)(viii), by striking 30 and inserting 40 ; (B) by striking subsections (c), (d), and (e); and (C) by redesignating subsections (f), (g), (h), and (i) as subsections (c), (d), (e), and (f), respectively; and (3) in section 129E(k)(1) ( 15 U.S.C. 1639e(k)(1) ) by inserting after this section the following: , other than subsection (e), . 408. Financial Institutions Examination Fairness and Reform (a) Amendment to definition of financial institution Section 1003(3) of the Federal Financial Institutions Examination Council Act of 1978 ( 12 U.S.C. 3302(3) ) is amended to read as follows: (3) the term financial institution — (A) means a commercial bank, a savings bank, a trust company, a savings association, a building and loan association, a homestead association, a cooperative bank, or a credit union; and (B) for purposes of sections 1012, 1013, and 1014, includes a nondepository covered person subject to supervision by the Bureau of Consumer Financial Protection under section 1024 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5514 ). . (b) Timeliness of examination reports The Federal Financial Institutions Examination Council Act of 1978 ( 12 U.S.C. 3301 et seq.) is amended by adding at the end the following: 1012. Timeliness of examination reports (a) In general (1) Final examination report A Federal financial institutions regulatory agency shall provide a final examination report to a financial institution not later than 60 days after the later of— (A) the exit interview for an examination of the institution