; and (B) meaningfully affects access to, or the cost, terms, or availability of— (i) education and vocational training; (ii) employment; (iii) essential utilities, including electricity, heat, water, and internet; (iv) transportation; (v) any benefits or assistance under any Federal public assistance program or under any State or local public assistance program financed in whole or in part with Federal funds; (vi) financial services, including access to credit or insurance; (vii) asylum and immigration services; (viii) healthcare; (ix) housing, lodging, or public accommodations; and (x) any other service, program, or opportunity a determination about which would have a legal, material, or significant effect on the life of an individual, as determined by the Director. (6) Director The term Director means the Director of the Office of Management and Budget. (7) Plain language The term plain language has the meaning given the term in section 1311(e)(3)(B) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18031(e)(3)(B) ). (8) Transparent automated governance guidance The term transparent automated governance guidance means the guidance issued by the Director pursuant to section 3(a). 3. Transparent automated governance guidance (a) In general Not later than 270 days after the date of enactment of this Act, the Director shall issue guidance that— (1) is consistent with relevant legal authorities relating to privacy, civil rights, and civil liberties protections; and (2) requires agencies to provide disclosure and opportunity for appeal when using certain automated systems and augmented critical decision processes. (b) Guidance The transparent automated governance guidance issued under subsection (a) shall include— (1) an identification by the Director of any additional services, programs, or opportunities relating to critical decisions described in section 2(5)(B)(x), if appropriate, for use by agencies with respect to the requirements under this Act