covered savings association. Subtitle L—SAFE Transitional Licensing Sec. 556. Eliminating barriers to jobs for loan originators. Subtitle M—Right to Lend Sec. 561. Small business loan data collection requirement. Subtitle N—Community Bank Reporting Relief Sec. 566. Short form call report. Subtitle O—Homeowner Information Privacy Protection Sec. 571. Study regarding privacy of information collected under the Home Mortgage Disclosure Act of 1975. Subtitle P—Home Mortgage Disclosure Adjustment Sec. 576. Depository institutions subject to maintenance of records and disclosure requirements. Subtitle Q—Protecting Consumers’ Access to Credit Sec. 581. Rate of interest after transfer of loan. Subtitle R—NCUA Overhead Transparency Sec. 586. Fund transparency. Title VI—Regulatory Relief for Strongly Capitalized, Well Managed Banking Organizations Sec. 601. Capital election. Sec. 602. Regulatory relief. Sec. 603. Contingent capital study. Sec. 604. Study on altering the current prompt corrective action rules. Sec. 605. Definitions. Title VII—Empowering Americans to Achieve Financial Independence Subtitle A—Separation of Powers and Liberty Enhancements Sec. 711. Consumer Law Enforcement Agency. Sec. 712. Authority of the Office of Information and Regulatory Affairs. Sec. 713. Bringing the Agency into the regular appropriations process. Sec. 714. Consumer Law Enforcement Agency Inspector General Reform. Sec. 715. Private parties authorized to compel the Agency to seek sanctions by filing civil actions