; or (2) a banking organization that has exhibited substantial noncompliance with Federal consumer protection laws as evidenced by any enforcement actions, targeted supervisory exams, or a rating of less than satisfactory on its most recent consumer compliance examination. (d) Consultation When acting in the capacity of a receiver pursuant to subsection (b), the Corporation shall consult with the Office of Minority and Women Inclusion of the Corporation. 203. Addressing petitions from State and local government agencies with respect to violations of Federal consumer protection laws and regulations The Comptroller, the Corporation, and the Board of Governors shall— (1) consider petitions from relevant State and local government agencies, including law enforcement and city and State attorney generals, regarding a pattern or practice of violations of Federal consumer protection laws by a national bank, a State member bank, or a Federal savings association affiliated with a global systemically important bank holding company, or a United States branch, agency, commercial lending company, or representative office of a foreign bank affiliated with a global systemically important bank holding company, or a State depository institution affiliated with a global systemically important bank holding company, as applicable; (2) for any petition from State or local government agencies from at least five States, provide a written response within 180 days after receiving such a petition whether or not a determination is made under this title, including a detailed basis for the determination