; (B) guidance issued by an agency; or (C) a published proposed or interim rule, policy statement, directive, adjudication, or interpretation of an agency. (2) Agency The term agency means each of the Board of Governors of the Federal Reserve System, the Bureau of Consumer Financial Protection, the Commodity Futures Trading Commission, the Department of the Treasury, the Federal Deposit Insurance Corporation, the Federal Housing Finance Agency, the Federal Trade Commission, the National Credit Union Administration Board, the Office of the Comptroller of the Currency, and the Securities and Exchange Commission. (3) Covered person The term covered person means a person that offers or intends to offer a financial innovation by submitting a petition to a Financial Services Innovation Office at one or more agencies. (4) Enforceable compliance agreement The term enforceable compliance agreement means a contractual agreement described under section 8. (5) Financial innovation The term financial innovation means an innovative financial service or product, the delivery of which is enabled by technology, that is or may be subject to an agency regulation or Federal statute. (6) Financial Services Innovation Office or FSIO The term Financial Services Innovative Office or FSIO means an office established in an agency pursuant to section 5. 3. Agency identification of regulatory areas Not later than 60 days after the date of the enactment of this Act, and biannually thereafter, each agency shall publish in the Federal Register a nonexclusive list that identifies 3 or more areas of existing regulation— (1) that apply or may apply to a financial innovation