; and (ii) a global systemically important foreign banking organization, as defined under section 252.2 of title 12, Code of Federal Regulations. (B) Treatment of existing GSIBs A company or organization described under clause (i) or (ii) of subparagraph (A) on the date of the enactment of this Act shall be deemed a global systemically important bank holding company for purposes of this Act. (11) Pattern or practice of unsafe or unsound banking practices and other violations related to consumer harm The term pattern or practice of unsafe or unsound banking practices and other violations related to consumer harm means engaging in all of the following activities, to the extent each activity was discovered or occurred at least once in the 10 years preceding the date of the enactment of this Act: (A) Having unsafe or unsound practices in the institution’s risk management and oversight of the institution’s sales practices, as evidenced by— (i) an institution lacking an enterprise-wide sales practices oversight program that enables the institution to adequately monitor sales practices to prevent and detect unsafe or unsound sales practices and mitigate risks that may result from such unsafe and unsound sales practices; and (ii) an institution lacking a comprehensive customer complaint monitoring process that— (I) enables the institution to assess customer complaint activity across the bank; (II) adequately monitors, manages, and reports on customer complaints; and (III) analyzes and understands the potential risks posed by the institution’s sales practices. (B) Engaging in unsafe and unsound sales practices, as evidenced by the institution— (i) opening more than one million unauthorized deposit, credit card, or other accounts; (ii) performing unauthorized transfers of customer funds