; and (2) the legal authority on which the agency relied in making each request and order under paragraph (1) and the frequency on which the agency relied on each such authority. (e) Definitions In this section: (1) Appropriate federal banking agency The term appropriate Federal banking agency means— (A) the appropriate Federal banking agency, as defined under section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ); and (B) the National Credit Union Administration, in the case of an insured credit union. (2) Depository institution The term depository institution means— (A) a depository institution, as defined under section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ); and (B) an insured credit union. 11. Annual diversity and inclusion report The Federal banking regulators shall submit to Congress an annual report containing— (1) information and data on the availability of access to financial services for minority-owned, veteran-owned, women-owned, and small State-sanctioned marijuana businesses; and (2) any regulatory or legislative recommendations for expanding access to financial services for minority-owned, veteran-owned, women-owned, and small State-sanctioned marijuana businesses and hemp-related legitimate businesses. 12. GAO study on diversity and inclusion (a) Study The Comptroller General of the United States shall conduct a study on the barriers to marketplace entry, including in the licensing process, and the access to financial services for potential and existing minority-owned, veteran-owned, women-owned, and small State-sanctioned marijuana businesses and hemp-related legitimate businesses. (b) Report Not later than 2 years after the date of enactment of this Act, the Comptroller General of the United States shall submit to Congress a report containing— (1) all findings and determinations made in conducting the study required under subsection (a)