; (2) maximizing effort, promoting efficiency, and eliminating conflict, competition, duplication, and inconsistency among the operations, functions, and jurisdictions of Federal departments and agencies responsible for privacy or data protection, data protection rights and standards, and fair information practices and principles; (3) providing active leadership, guidance, education, and appropriate assistance to private sector businesses, and organizations, groups, institutions, and individuals regarding privacy, data protection rights and standards, and fair information practices and principles; (4) requiring and overseeing ex-ante impact assessments and ex-post outcomes audits of high-risk data practices by covered entities to advance fair and just data practices; (5) examining the social, ethical, economic, and civil rights impacts of high-risk data practices and propose remedies; (6) ensuring that privacy practices and processing are fair, just, and comply with fair information practices; (7) ensuring fair contract terms in the market, including the prohibition of pay-for-privacy provisions and take-it-or leave it terms of service; (8) promoting privacy enhancing techniques, such as privacy by design and data minimization techniques; (9) collecting, researching, and responding to consumer complaints; (10) initiating a formal public rulemaking process at the Agency before any new high-risk data practice or other related profiling technique can be implemented; (11) reviewing and approving new high-risk techniques or applications, giving special consideration to minors and sensitive data uses; (12) regulating consumer scoring and other business practices that pertain to the eligibility of an individual for rights, benefits, or privileges in employment (including hiring, firing, promotion, demotion, and compensation), credit and insurance (including denial of an application or obtaining less favorable terms), housing, education, professional certification, or the provision of health care and related services