; (9) the appropriate confidentiality of personal information; (10) how to improve the cross-referencing of individuals or entities operating at multiple financial institutions and across international borders; and (11) any other item the Secretary determines is appropriate. (c) Public comment The Secretary shall solicit public comment as part of the review contemplated in subsection (a). (d) Report Not later than the end of the 1-year period beginning on the date of the enactment of this Act, the Secretary, in consultation with law enforcement, shall submit to Congress a report that contains all findings and determinations made in carrying out the review required under subsection (a) and propose rulemakings to implement their findings. 204. Currency transaction report and suspicious activity report thresholds review (a) Review of thresholds for certain currency transaction and suspicious activity reports The Secretary, in consultation with the Attorney General and the Director of National Intelligence, the Secretary of Defense, and the Secretary of Homeland Security, shall study and determine whether the dollar thresholds, including aggregate thresholds, contained in sections 5313, 5331, and 5318(g) of title 31, United States Code, including regulations issued thereunder, should be adjusted. (b) Considerations In making the determinations described in subsection (a), the Secretary and the Attorney General shall consider— (1) the effects on law enforcement, intelligence, defense, and homeland security, from adjusting the thresholds; (2) the costs likely to be incurred or saved by financial institutions; (3) the conformance of the United States with international norms and standards to counter money laundering and the financing of terrorism