of the covered person making such inquiry, be made publicly available, regardless of whether the Director responds to such inquiry or the covered person withdraws such inquiry before receiving an opinion. (E) Assistance for small businesses (i) In general The Agency shall assist, to the maximum extent practicable, small businesses in preparing inquiries under this paragraph. (ii) Small business defined For purposes of this subparagraph, the term small business has the meaning given the term small business concern under section 3 of the Small Business Act ( 15 U.S.C. 632 ). (F) Inquiry fee (i) In general The Director shall develop a system to charge a fee for each inquiry made under this paragraph in an amount sufficient, in the aggregate, to pay for the cost of carrying out this paragraph. (ii) Notice and comment Not later than 45 days after the date of the enactment of this paragraph, the Director shall publish a description of the fee system described in clause (i) in the Federal Register and shall solicit comments from the public for a period of 60 days after publication. (iii) Finalization The Director shall publish a final description of the fee system and implement such fee system not later than 30 days after the end of the public comment period described in clause (ii). . 722. Reform of Consumer Financial Civil Penalty Fund (a) Segregated Accounts Section 1017(b) of the Consumer Financial Protection Act of 2010, as redesignated by section 713, is amended by redesignating paragraph (2) as paragraph (3), and by inserting after paragraph (1) the following new paragraph: (2) Segregated Accounts in Civil Penalty Fund (A) In General The Agency shall establish and maintain a segregated account in the Civil Penalty Fund each time the Agency obtains a civil penalty against any person in any judicial or administrative action under Federal consumer financial laws. (B) Deposits in Segregated Accounts The Agency shall deposit each civil penalty collected into the segregated account established for such penalty under