a risk response mechanism for cyber risk and incentives for doing so. (2) Consultation In carrying out the activities of the working group under paragraph (1), the working group shall consult with the public in an open and transparent manner, including by consulting with the following stakeholders: (A) Issuers. (B) Insurance agents and brokers with experience in the sale and distribution of cyber insurance. (C) Representatives of business customers from multiple sectors and representatives of small businesses. (D) Academia. (E) State insurance regulators with expertise regarding cybersecurity and cyber insurance. (F) Other individuals or entities with cybersecurity and cyber insurance expertise as the Assistant Secretary considers appropriate. (d) Report Not later than 1 year after the date on which the working group first convenes, the working group shall submit to Congress a report regarding the activities of the working group under subsection (c) and any recommendations of the working group. (e) Termination The working group shall terminate upon submission of the report required under subsection (d). (f) Rule of construction Nothing in this section shall be construed to— (1) require adoption of the recommendations of the working group