; and (ii) satisfies such other criteria as the appropriate Federal banking agencies determine appropriate. . (b) Report to Congress Not later than 180 days after the date of the enactment of this Act, and every 365 days thereafter until the appropriate Federal banking agencies (as defined under section 3 of the Federal Deposit Insurance Act) have issued the regulations required under section 7(a)(12)(A) of the Federal Deposit Insurance Act, such agencies shall submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a report describing the progress made in issuing such regulations. O Homeowner Information Privacy Protection 571. Study regarding privacy of information collected under the Home Mortgage Disclosure Act of 1975 (a) Study The Comptroller General of the United States shall conduct a study to determine whether the data required to be published, made available, or disclosed under the final rule, in connection with other publicly available data sources, including data made publicly available under Regulation C (12 C.F.R. 1003) before the effective date of the final rule, could allow for or increase the probability of— (1) exposure of the identity of mortgage applicants or mortgagors through reverse engineering; (2) exposure of mortgage applicants or mortgagors to identity theft or the loss of sensitive personal financial information; (3) the marketing or sale of unfair or deceptive financial products to mortgage applicants or mortgagors based on such data; (4) personal financial loss or emotional distress resulting from the exposure of mortgage applicants or mortgagors to identify theft or the loss of sensitive personal financial information