; and (B) if the request does not contain the information required under subsection (b), provide the financial institution with an explanation of what information is missing; and (2) within 120 days of receiving the request, if the request contains the information required under subsection (b), make a determination on the request and provide the financial institution with a written notice of such determination. (d) Appeal For purposes of section 1013(b), the following actions are deemed a final agency material supervisory determination: (1) Any determination made under subsection (c)(2). (2) Any failure by a Federal financial institutions regulatory agency to comply with a deadline require by this section. (3) Any determination by a Federal financial institutions regulatory agency under subsection (c)(1)(B) that a request does not contain the information required under subsection (b). (e) Reports and publication Each Federal financial institutions regulatory agency shall, within 120 days after making a determination under subsection (c)(2), publish a summary of the determination, in order to offer guidance to the applicable industry. The summary may not contain confidential or privileged information about the financial institution, financial institution clients, or agency personnel. .