U.S.C. 5531 ) is amended by striking subsection (b) and inserting the following: (b) Rulemaking (1) In general The Bureau may prescribe rules applicable to a covered person or service provider identifying as unlawful unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. Rules under this section may include requirements for the purpose of preventing such acts or practices. (2) Cost-benefit analysis required Any final rule issued by the Bureau relating to abusive, unfair, or deceptive acts or practices shall include a cost-benefit analysis. (3) Definition of abusive act or practice The Bureau shall, not later than 180 days after the date of the enactment of this subsection, issue a rule that defines the term abusive act or practice for the purposes of this section. . (b) Opportunity for comment The Bureau of Consumer Financial Protection shall, not later than 180 days after the date of the enactment of this subsection, allow the public to submit comments with respect to any confusion about how the Bureau of Consumer Financial Protection uses its authority with respect to unfair, deceptive, or abusive acts or practices. 203. Authority to declare an act unlawful based on discrimination or service as government contractor Section 1031 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ) is amended by adding at the end the following: (h) Authority To declare an act unlawful based on discrimination or service as government contractor The Bureau may not interpret the authority of the Bureau relating to unfair, deceptive, or abusive acts and practices to include— (1) discriminatory practices