to annual notice requirement. Subtitle J—Financial Institution Customer Protection Act Sec. 916. Requirements for deposit account termination requests and orders. Subtitle K—Encouraging Public Offerings Act Sec. 917. Expanding testing the waters and confidential submissions. Subtitle L—Risk-Based Credit Examination Act Sec. 918. Risk-Based Examinations of Nationally Recognized Statistical Rating Organizations. Subtitle M—Protection of Source Code Act Sec. 919. Procedure for obtaining certain intellectual property. Subtitle N—Family Office Technical Correction Act Sec. 920. Accredited investor clarification. Subtitle O—Market Data Protection Act Sec. 921. Internal risk controls. Subtitle P—Financial Stability Oversight Council Improvement Act Sec. 922. SIFI designation process. Sec. 923. Rule of construction. Subtitle Q—[Expanding Access to Capital for Rural Job Creators Act Sec. 925. Access to capital for rural-area small businesses. Subtitle R—Volcker Rule Regulatory Harmonization Act Sec. 926. Rulemaking authority under the Volcker rule. Sec. 927. Enforcement