; and (6) community development financial institutions that are credit unions. (c) Definitions In this section: (1) Appropriate committees of Congress The term appropriate committees of Congress means the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate. (2) Community development financial institution The term community development financial institution has the meaning given that term under section 103 of the Riegle Community Development and Regulatory Improvement Act of 1994. (3) Credit union The term credit union means a State credit union or a Federal credit union, as such terms are defined, respectively, under section 101 of the Federal Credit Union Act. (4) Depository institution The term depository institution has the meaning given that term under section 3 of the Federal Deposit Insurance Act. (5) Minority depository institution The term minority depository institution has the meaning given under section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 . (6) Minority lending institution The term minority lending institution has the meaning given that term under section 103 of the Community Development Banking and Financial Institutions Act of 1994. 712. Inspector General oversight (a) In general The Inspector General of the Department of the Treasury shall conduct, supervise, and coordinate audits and investigations of any program established under this title or the amendments made by this title. (b) Reporting The Inspector General of the Department of the Treasury shall issue a report not less frequently than 2 times per year to Congress and the Secretary of the Treasury relating to the oversight provided by the Office of the Inspector General, including any recommendations for improvements to the programs described in subsection (a). 713. Study and report with respect to impact of programs on low- and moderate-income and minority communities (a) Study The Secretary of the Treasury shall