consumers with depository institutions, and contains regulatory and legislative recommendations to promote better participation for all consumers with the banking system. (ii) Timing of report To the extent possible, the Office shall submit each report required under clause (i) during a year in which the Federal Deposit Insurance Corporation does not issue the report on encouraging use of depository institutions by the unbanked required under section 49 of the Federal Deposit Insurance Act. (3) Use of all available information The Bureau and the Office, in carrying out this subsection, and each Federal agency specified under paragraph (1)(B), in coordinating with the Bureau, shall use all available data sources when researching participation of under-banked, un-banked, and underserved consumers in the banking system. .