; and (ii) for Tribal communities, including by overcoming historical barriers to authenticating the identities of individuals and other challenges to obtaining deposit accounts; (C) depository institutions to use innovative technologies to increase access to deposit accounts while maintaining appropriate third-party risk management and oversight; and (D) features of a deposit account that are responsive to the needs of an unbanked business or consumer. (g) (f) Biennial FDIC and NCUA survey and report on access to deposit accounts by small and medium-sized businesses (1) In general The Federal Deposit Insurance Corporation and the National Credit Union Administration shall conduct a biennial survey on the efforts of depository institutions to provide greater access to deposit accounts to small and medium-sized businesses that may have encountered difficulties in accessing or maintaining deposit accounts. (2) Considerations In conducting each survey required under paragraph (1), the Federal Deposit Insurance Corporation and the National Credit Union Administration shall consider what issues and barriers most frequently prevent small and medium-sized businesses from accessing or maintaining deposit accounts that are necessary to operate those businesses. (h) (g) Rule of construction Nothing in this section may be construed to limit or restrict the authority of an appropriate Federal banking agency to— (1) identify or discuss potential supervisory findings with the staff or management of a depository institution, including findings involving financial condition, governance, consumer protection, internal controls, or unsafe or unsound conditions