; and (ii) such other pattern or practice as the Director of the Consumer Bureau shall, in consultation with the Comptroller, the Board of Governors, and the Corporation, establish by regulation. (B) Time period Eligible activities that may be included in any pattern or practice described under subparagraph (A) are those that were discovered or occurred in the 10 years preceding any determination made under section 101 or section 201. (C) Rulemaking Not later than the end of the 1-year period beginning on the date of the enactment of this Act, the Director of the Consumer Bureau shall issue final regulations to carry out subparagraph (A)(ii). (13) State The term State means the several States, the District of Columbia, and any other territory or possession of the United States. (14) Definitions related to subsidiaries and affiliates of foreign banks The terms agency , branch , commercial lending company , and representative office have the meanings given those terms, respectively, under section 1(b) of the International Banking Act of 1978 ( 12 U.S.C. 3101(b) ). (15) Other banking definitions The terms affiliate , appropriate Federal banking agency , depository institution , Federal savings association , insured depository institution , national bank , savings association , subsidiary , State depository institution , and State member bank have the meaning given those terms, respectively, under section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ). 4. Agency authority (a) In general Notwithstanding any other law and for the sole purpose of carrying out the requirements of this Act, in the event that the Board of Governors or the Corporation lack a quorum, a majority of the members of the Board of Governors and a majority of the members of the Corporation shall have the full authority to act on behalf of their respective agency. (b) Determination of certain violations In making any determination under this Act with respect to whether an institution has violated a Federal consumer protection law, if a