; duties and powers of customer protection and market integrity authorities. TITLE VII—Responsible payments innovation Sec. 701. Issuance of payment stablecoins. Sec. 702. Treatment of endogenously referenced crypto assets. Sec. 703. Certificate of authority to commence banking. Sec. 704. Holding company supervision of covered depository institutions. Sec. 705. Codifying custodial principles for financial institutions. Sec. 706. Implementation rules to preserve adequate competition in payment stablecoins. Sec. 707. Study on use of distributed ledger technology for reduction of risk in depository institutions. Sec. 708. Clarifying application review times with respect to the Federal banking agencies. Sec. 709. Conforming amendments. TITLE VIII—Responsible taxation of crypto assets Sec. 801. De minimis gain from sale or exchange of crypto assets. Sec. 802. Information reporting requirements imposed on brokers with respect to crypto assets. Sec. 803. Sources of income. Sec. 804. Tax treatment of crypto asset lending agreements and related matters. Sec. 805. Loss from wash sales of crypto assets. Sec. 806. Mark-to-market election. Sec. 807. Forks, airdrops, and subsidiary value. Sec. 808. Crypto asset mining and staking. Sec. 809. Charitable contributions and qualified appraisals. TITLE IX—Responsible interagency coordination Sec. 901. Timeline for interpretive guidance issued by Federal financial agencies. Sec. 902. State money transmission coordination relating to crypto assets. Sec. 903. Information sharing among Federal and State financial regulators. Sec. 904. Report on energy consumption in crypto asset markets. Sec. 905. Analysis of energy consumption by distributed ledger technologies. Sec. 906. Report on distributed ledger applications in energy. Sec. 907. Permitting Federal Government employees to gain experience with crypto asset technologies. Sec. 908. Advisory Committee on Financial Innovation. TITLE X—Equipping agencies to protect consumers and promote responsible innovation Sec. 1001. Executive Office