; and (B) by redesignating paragraphs (4), (5), and (6) as paragraphs (3), (4), and (5), respectively; (2) in section 1022, by striking subsection (c); and (3) in section 1026(b), by striking , and to assess and detect risks to consumers and consumer financial markets . 725. Reforms to mandatory functional units The Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq.) is amended— (1) in section 1013— (A) in subsection (b)— (i) in paragraph (1), by striking shall establish and inserting may establish ; (ii) in paragraph (2), by striking shall establish and inserting may establish ; and (iii) paragraph (3)(D)— (I) by striking To facilitate preparation of the reports required under subparagraph (C), supervision and enforcement activities, and monitoring of the market for consumer financial products and services, the and inserting The ; and (II) by adding at the end the following: Information collected under this paragraph may not be made publicly available. ; (B) in subsection (c)— (i) in paragraph (1), by striking shall establish and inserting may establish ; and (ii) in paragraph (3), by striking There is established the and inserting At any time when the Office of Fair Lending and Equal Opportunity exists within the Agency, there shall be a ; (C) in subsection (d)— (i) in paragraph (1), by striking shall establish and inserting may establish ; (ii) in paragraph (3)— (I) in subparagraph (A), by inserting , if such Office exists within the Agency, after Community Affairs Office ; and (II) in subparagraph (B), by striking established by the Director and inserting , if established by the Director, ; and (iii) in paragraph (4), by striking Not later than 24 months after the designated transfer date, and annually thereafter, and inserting Annually, at any time when the Office of Financial Education exists within the Agency, ; (D) in subsection (e)(1), by striking shall establish and inserting may establish ; (E) by striking subsection (f)