; Adjudications deemed actions. Sec. 716. Civil investigative demands to be appealed to courts. Sec. 717. Agency dual mandate and economic analysis. Sec. 718. No deference to Agency interpretation. Subtitle B—Administrative Enhancements Sec. 721. Advisory opinions. Sec. 722. Reform of Consumer Financial Civil Penalty Fund. Sec. 723. Agency pay fairness. Sec. 724. Elimination of market monitoring functions. Sec. 725. Reforms to mandatory functional units. Sec. 726. Repeal of mandatory advisory board. Sec. 727. Elimination of supervision authority. Sec. 728. Transfer of old OTS building from OCC to GSA. Sec. 729. Limitation on Agency authority. Subtitle C—Policy Enhancements Sec. 731. Consumer right to financial privacy. Sec. 732. Repeal of Council authority to set aside Agency rules and requirement of safety and soundness considerations when issuing rules. Sec. 733. Removal of authority to regulate small-dollar credit. Sec. 734. Reforming indirect auto financing guidance. Sec. 735. Prohibition of Government price controls for payment card transactions. Sec. 736. Removal of Agency UDAAP authority. Sec. 737. Preservation of UDAP authority for Federal banking regulators. Sec. 738. Repeal of authority to restrict arbitration. Title VIII—Capital Markets Improvements Subtitle A—SEC Reform, Restructuring, and Accountability Sec. 801. Authorization of appropriations. Sec. 802. Report on unobligated appropriations. Sec. 803. SEC Reserve Fund abolished. Sec. 804. Fees to offset appropriations. Sec. 805. Commission relocation funding prohibition. Sec. 806. Implementation of recommendations. Sec. 807. Office of Credit Ratings to report to the Division of Trading and Markets. Sec. 808. Office of Municipal Securities to report to the Division of Trading and Markets. Sec. 809. Independence of Commission Ombudsman. Sec. 810. Investor Advisory Committee improvements. Sec. 811. Duties of Investor Advocate. Sec. 812. Elimination of exemption of Small Business Capital Formation Advisory Committee from Federal Advisory Committee Act.