; or (II) an unsafe or unsound banking practice relating to that customer or group of customers. (e) Reporting requirement Each appropriate Federal banking agency shall— (1) submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report stating— (A) the aggregate number of specific deposit accounts that the agency requested that a depository institution terminate, or required a depository institution to terminate, during the previous year; and (B) the legal authority on which the agency relied in making each request and requirement under subparagraph (A) and the frequency on which the agency relied on each such authority; and (2) before submitting each report required under paragraph (1), provide the Inspector General of the agency with an opportunity to conduct an evaluation or review of the activity described in that report, which the Inspector General shall submit to the committees described in paragraph (1) concurrently with the submission of the report under paragraph (1). (f) Increasing access to deposit accounts for businesses and consumers (1) In general Not later than 2 years after the date of enactment of this Act, the appropriate Federal banking agencies, in consultation with applicable State bank supervisors, the Secretary of Commerce, and the Secretary of the Treasury, shall collectively promulgate rules or guidance to increase access to deposit accounts for businesses and consumers. (2) Standards The rules or guidance promulgated under paragraph (1) shall include standards for— (A) entering into and maintaining individual consumer relationships and relationships with categories of consumers; (B) increasing access to deposit accounts— (i) in the communities in which depository institutions serve, including rural communities and low- and moderate-income communities, which may be tailored to account for the business models of community banks and credit unions