; or (ii) a minority depository institution. . (b) Effective date This section and the amendments made by this section shall take effect 90 days after the date of the enactment of this Act. 9. 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 conduct a study of the impact of the programs established under this Act or any amendment made by this Act on low- and moderate-income and minority communities. (b) Report Not later than 18 months after the date of enactment of this Act, the Secretary shall submit to Congress a report on the results of the study conducted pursuant to subsection (a), which shall include, to the extent possible, the results of the study disaggregated by racial and ethnic group. (c) Information provided to the Secretary Eligible institutions that participate in any of the programs described in subsection (a) shall provide the Secretary of the Treasury with such information as the Secretary may require to carry out the study required by this section.