; (3) discusses the use of mixing and tumbling services and money mules to help obscure audit trail for the digital assets involved; (4) identifies the digital asset trading platforms most frequently used for transactions involving digital asset ransoms; and (5) makes legislative and regulatory recommendations for addressing the problem of ransomware and digital assets. (b) Appropriate committees Appropriate committees include the Committee on the Judiciary, Committee on Homeland Security, Committee on Financial Services, and the Committee on Agriculture of the House of Representatives, and the Committee on the Judiciary, Committee on Homeland Security and Governmental Affairs, Committee on Banking, Housing, and Urban Affairs, Committee on Agriculture, Nutrition, and Forestry of the Senate. 503. Report on decentralized finance Not later than 270 days after the date of the enactment of this Act, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Secretary of the Treasury, the Securities and Exchange Commission, and the Commodity Futures Trading Commission, shall jointly submit a report to the appropriate committees that— (1) summarizes the use of decentralized finance in the United States; (2) estimates the number and percentage of Americans using decentralized finance products and services versus the global usage and identifies the major decentralized finance products and services by estimated dollar volume usage; (3) provides recommendations with respect to the definition of the term decentralized finance to be adopted and codified in United States law; (4) discusses the primary differences between digital asset fiat-based stablecoins and central bank digital currencies; (5) discusses whether there are financial stability risks or concerns posed by decentralized finance