---
kind: "section"
citation: "15 U.S.C. § 1693p"
title: "15"
title_heading: "Commerce and Trade"
number: "1693p"
heading: "Reports to Congress"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1693p"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter VI — Electronic Fund Transfers"
---

# §1693p. Reports to Congress

- (a) Not later than twelve months after the effective date of this subchapter and at one-year intervals thereafter, the [Bureau](/usc/15/1692a.md?p=1) shall make reports to the Congress concerning the [administration](/usc/15/636e.md?p=1) of its functions under this subchapter, including such recommendations as the [Bureau](/usc/15/1692a.md?p=1) deems necessary and appropriate. In addition, each report of the [Bureau](/usc/15/1692a.md?p=1) shall include its assessment of the extent to which compliance with this subchapter is being achieved, and a summary of the enforcement actions taken under [section 1693o](/usc/15/1693o.md)[^1] of this title. In such report, the [Bureau](/usc/15/1692a.md?p=1) shall particularly address the effects of this subchapter on the costs and benefits to [financial institutions](/usc/15/1693a.md?p=9) and [consumers](/usc/15/1692a.md?p=3), on competition, on the introduction of new technology, on the operations of [financial institutions](/usc/15/1693a.md?p=9), and on the adequacy of [consumer](/usc/15/1692a.md?p=3) protection.
- (b) In the exercise of its functions under this subchapter, the [Bureau](/usc/15/1692a.md?p=1) may obtain upon request the views of any other Federal agency which, in the judgment of the [Bureau](/usc/15/1692a.md?p=1), exercises regulatory or supervisory functions with respect to any class of [persons](/usc/15/1602.md?p=e) subject to this subchapter.

## Footnotes

[^1]: See References in Text note below.

## Source credit

(Pub. L. 90–321, title IX, § 921, formerly § 918, as added Pub. L. 95–630, title XX, § 2001, Nov. 10, 1978, 92 Stat. 3740; amended Pub. L. 97–375, title II, § 209(a), Dec. 21, 1982, 96 Stat. 1825; renumbered § 919, Pub. L. 111–24, title IV, § 401(1), May 22, 2009, 123 Stat. 1751; renumbered § 920, renumbered § 921, and amended Pub. L. 111–203, title X, §§ 1073(a)(3), 1075(a)(1), 1084(1), July 21, 2010, 124 Stat. 2060, 2068, 2081.)

## Notes

### Editorial Notes

### References in Text

For effective date of this subchapter, referred to in subsec. (a), see section 921 of Pub. L. 90–321, set out as an Effective Date note under section 1693 of this title.

Section 1693o of this title, referred to in subsec. (a), was in the original “section 917 of this title”, and was translated as meaning section 918 of title I of Pub. L. 90–321 to reflect the probable intent of Congress and the renumbering of section 917 of title I of Pub. L. 90–321 as section 918 by Pub. L. 111–24, title IV, § 401(1), May 22, 2009, 123 Stat. 1751.

### Codification

Renumbering of section 918 of Pub. L. 90–321 as section 919 by section 401(1) of Pub. L. 111–24 was executed prior to the renumberings of section 919 of Pub. L. 90–321 as section 920 and then as section 921 by sections 1073(a)(3) and 1075(a)(1) of Pub. L. 111–203 as the probable intent of Congress, notwithstanding section 403 of Pub. L. 111–24, set out as an Effective Date note under section 1693l–1 of this title and section 4 of Pub. L. 111–203, set out as an Effective Date note under section 5301 of Title 12, Banks and Banking, which provided that the renumbering by Pub. L. 111–24 was effective 15 months after May 22, 2009, and the renumberings by Pub. L. 111–203 were effective 1 day after July 21, 2010.

### Prior Provisions

Two prior sections 921 of Pub. L. 90–321 were renumbered section 922 and are classified to sections 1693q and 1693r of this title.

Another prior section 921 of Pub. L. 90–321 was renumbered section 923 and is classified as an Effective Date note under section 1693 of this title.

### Amendments

2010—Pub. L. 111–203, § 1084(1), substituted “Bureau” for “Board” wherever appearing.

1982—Subsec. (a). Pub. L. 97–375 struck out requirement that the Attorney General make a report on the same terms as the Board, and that such report also contain an analysis of the impact of this subchapter on the operation, workload, and efficiency of the Federal courts, and substituted “necessary and appropriate” for “necessary or appropriate”.

### Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment by section 1084(1) of Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.