1. Short title; table of contents (a) Short title This Act may be cited as the Financial Services Innovation Act of 2024 . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Sec. 2. Definitions. Sec. 3. Agency identification of regulatory areas. Sec. 4. Establishment or designation of FSIO at agencies. Sec. 5. FSIO Liaison Committee and chair. Sec. 6. Petition to agency. Sec. 7. Agency determination of petition. Sec. 8. Enforceable compliance agreement. Sec. 9. Report to Congress. 2. Definitions In this Act, the following definitions shall apply: (1) Agency regulation The term agency regulation means— (A) a rule (as defined in section 551 of title 5, United States Code) issued by an agency; (B) guidance issued by an agency; or (C) a published proposed or interim rule, policy statement, directive, adjudication, or interpretation of an agency. (2) Agency The term agency means each of the Board of Governors of the Federal Reserve System, the Bureau of Consumer Financial Protection, the Department of Housing and Urban Development, the Department of the Treasury, the Federal Deposit Insurance Corporation, the Federal Housing Finance Agency, the National Credit Union Administration Board, the Office of the Comptroller of the Currency, and the Securities and Exchange Commission. (3) Covered person The term covered person means a person that offers or intends to offer a financial innovation by submitting a petition to a Financial Services Innovation Office at one or more agencies. (4) Enforceable compliance agreement The term enforceable compliance agreement means an agreement described under section 8. (5) Financial innovation The term financial innovation means a financial product or service (as defined in section 1002 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 ))— (A) the delivery of which is enabled by technology; and (B) that is or may be subject to an agency regulation or Federal statute. (6) Financial Services Innovation Office