; and (B) occurs not less frequently than annually; (4) a termination date for the agreement that is at least 1 year after the date on which the agreement is entered into; (5) procedures for extending the termination date; (6) procedures for judicial review of another agency’s or State’s challenge to the agreement in accordance with subchapter II of chapter 5 of title 5, United States Code, and chapter 7 of such title (commonly known as the Administrative Procedure Act ); and (7) procedures for maintaining the confidentiality of any information disclosed to the agency during the process of drafting and entering into agreement. (c) Multiparty agreements With respect to a financial innovation that is the subject of an enforceable compliance agreement entered into under this section, an agency that did not enter into such enforceable compliance agreement may join as a party to the enforceable compliance agreement entered into pursuant to this section. (d) Limitation on enforcement actions (1) In general If a covered person and an agency enter into an enforceable compliance agreement— (A) another agency that is not party to the multiparty agreement described in subsection (c) may not commence an enforcement action against the covered person with respect to the financial innovation that is the subject of the enforceable compliance agreement; and (B) a State may not commence an enforcement action against the covered person with respect to the financial innovation that is the subject of the enforceable compliance agreement, if the covered person provides the State with— (i) the enforcement compliance agreement