; or (ii) in the one to three year time period preceding the date on which the violations were discovered; and (B) imprisoned for not more than 5 years. . (b) Clerical amendment The table of contents for the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) is amended by inserting after the item relating to section 706 the following: 706A. Criminal penalties. . 5. Review of loan applications (a) In general Subtitle C of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 et seq. ) is amended by adding at the end the following: 1038. Review of loan applications (a) In general The Bureau shall carry out reviews of loan applications and the process of taking loan applications being used by covered persons to ensure such applications and processes do not violate the Equal Credit Opportunity Act or any other Federal consumer financial law. (b) Prohibition and enforcement If the Bureau determines under subsection (a) that any loan application or process of taking a loan application violates the Equal Credit Opportunity Act or any other Federal consumer financial law, the Bureau shall— (1) prohibit the covered person from using such application or process