a discussion of the significant problems faced by consumers in shopping for or obtaining consumer financial products or services;

a justification of the budget request of the previous year;

a list of the significant rules and orders adopted by the Bureau, as well as other significant initiatives conducted by the Bureau, during the preceding year and the plan of the Bureau for rules, orders, or other initiatives to be undertaken during the upcoming period;

an analysis of complaints about consumer financial products or services that the Bureau has received and collected in its central database on complaints during the preceding year;

a list, with a brief statement of the issues, of the public supervisory and enforcement actions to which the Bureau was a party during the preceding year;

the actions taken regarding rules, orders, and supervisory actions with respect to covered persons which are not credit unions or depository institutions;

an assessment of significant actions by State attorneys general or State regulators relating to Federal consumer financial law;

an analysis of the efforts of the Bureau to fulfill the fair lending mission of the Bureau; and

an analysis of the efforts of the Bureau to increase workforce and contracting diversity consistent with the procedures established by the Office of Minority and Women Inclusion.