; (6) consult with the Director of the Administrative Office of the United States Courts regarding the duties of that officer under section 159 of title 28, United States Code, regarding data collection and reporting; and (7) make other appropriate recommendations to the Director, the Attorney General, the Committee on Banking, Housing, and Urban Affairs and the Committee on the Judiciary of the Senate and the Committee on Financial Services and the Committee on Judiciary of the House of Representatives. (d) Annual reports (1) In general The Ombuds shall prepare an annual report that describes the activities, and evaluates the effectiveness of the Ombuds during the preceding year. (2) Submission The report required by paragraph (1) shall be submitted on the same date annually to the Attorney General, the Committee on Banking, Housing, and Urban Affairs and the Committee on the Judiciary of the Senate and the Committee on Financial Services and the Committee on the Judiciary of the House of Representatives. . (b) Supervision of higher cost lenders Section 1024(a)(1)(E) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5514(a)(1)(E) ) is amended by striking a payday loan and inserting a loan with an annual percentage rate of greater than 36 percent, as determined under section 987(i)(4) of title 10, United States Code . (c) Violations of discharge injunction Section 1036(a) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5536(a) ), is amended— (1) in paragraph (2)(C), by striking or at the end; (2) in paragraph (3), by striking the period at the end and inserting ; or ; and (3) by adding at the end the following: (4) to violate section 524(a) of title 11, United States Code, in a case involving an individual debtor. . (d) Authority To exercise supervision and enforcement authority regarding bankruptcy law (1) Definitions Section 1002(12) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481(12) ) is amended— (A) in subparagraph (Q), by striking and and the end