; and (2) after a notice and comment period during which consumer advocacy organizations shall be invited to submit feedback and suggestions, issue such regulations as are necessary and appropriate to promote public welfare with respect to public lending banks, public payment banks, and non-federally chartered banks that receive or are in the process of receiving a certificate of Federal recognition under section 102. (b) Regulations with respect to excluded and marginalized groups (1) In general Not later than 1 year after the date of the enactment of this Act, the Board of Governors shall issue regulations for public lending banks, public payment banks, and non-federally chartered banks to ensure that the services provided by such banks are universal and comprehensively include historically excluded and marginalized groups. (2) Limitations A regulation issued under this subsection may not— (A) supersede or supplant any other stronger regulations or standards promulgated by other Federal or applicable State regulatory entities, including any such regulation issued by the Corporation or the Director of the Bureau of Consumer Financial Protection