; and (2) any regulatory or legislative recommendations for expanding access to financial services for minority-owned, veteran-owned, women-owned, Tribal community-owned, and small State-sanctioned marijuana businesses and hemp-related legitimate businesses. 11. Annual access to financial services report (a) Federal banking regulators The Federal banking regulators shall submit to Congress an annual report containing information and data on the availability of access to financial services for minority-owned, veteran-owned, women-owned, Tribal community-owned, and small State-sanctioned marijuana businesses. (b) GAO The Comptroller General of the United States shall submit to Congress an annual report that, based on the information contained in the report submitted under subsection (a) for the applicable year, contains regulatory or legislative recommendations for expanding access to financial services for minority-owned, veteran-owned, women-owned, Tribal community-owned, and small State-sanctioned marijuana businesses. 12. GAO study on barriers to marketplace entry (a) Study The Comptroller General of the United States shall conduct a study on the barriers to marketplace entry, including in the licensing process, and the access to financial services for potential and existing minority-owned, veteran-owned, women-owned, and small State-sanctioned marijuana businesses and hemp-related legitimate businesses. (b) Report Not later than 2 years after the date of enactment of this Act, the Comptroller General of the United States shall submit to Congress a report containing— (1) all findings and determinations made in conducting the study required under subsection (a)