; (B) identify best practices, develop and implement strategies to increase the participation of under-banked and un-banked consumers in the banking system; and (C) submit a report to Congress, within two years of the establishment of the Office and annually thereafter, that identifies any factors impeding the ability to, or limiting the option for, individuals or households to have access to on-going and sustainable relationships with depository institutions to meet their financial needs, discusses any regulatory, legal, or structural barriers to enhancing participation of under-banked and un-banked consumers with depository institutions, and contains regulatory and legislative recommendations to promote better participation for all consumers with the banking system. . I Fair Lending For All 40901. Short title This subtitle may be cited as the Fair Lending for All Act . 40902. Office of Fair Lending Testing (a) Establishment There is established within the Bureau of Consumer Financial Protection an Office of Fair Lending Testing (hereinafter referred to as the Office ). (b) Director The head of the Office shall be a Director, who shall— (1) be appointed to a 5-year term by, and report to, the Director of the Bureau of Consumer Financial Protection; (2) appoint and fix the compensation of such employees as are necessary to carry out the duties of the Office under this section