Section 185.APPENDIX D   Very Small Credit Union Examination Procedures

a)         Describe your activities to ascertain the financial services needs of your assessment field, if any, and provide supporting documentation.

b)         Describe the extent of marketing, if any, to your assessment field aware of the financial services offered and provide supporting documentation.

c)         Describe efforts and successes, if any, to assist existing low-income and moderate-income residents in your assessment field to be able to remain in affordable housing in their neighborhoods including, but not limited to, origination of mortgage loans including and home improvement and rehabilitation loans.  At the discretion of the Secretary, a credit union shall also be required to submit to the Department:

1)         HMDA-LAR Quarterly Reports; or

2)         The following applicant information:

A)        Application date;

B)        Loan Type;

C)        Property Type;

D)        Purpose;

E)        Owner Occupancy;

F)         Pre-approval;

G)        Loan Action Taken (details and date);

H)        Property Address;

I)         Applicant's Ethnicity;

J)         Applicant's Race;

K)        Applicant's Sex; and

L)        Gross Annual Income.

d)         For small business lenders, the application and loan details regarding origination of loans to businesses in your assessment field with gross annual revenues of $1,000,000.00 or less, particularly those in low-income and moderate-income neighborhoods in your assessment field.

e)         Describe your participation, if any, including investments, in community development and redevelopment programs, small business technical assistance programs, minority-owned depository institutions, community development financial institutions, and mutually-owned financial institutions, if any, and provide supporting documentation.

f)         Describe your efforts and successes working with delinquent members in your assessment field to facilitate a resolution of the delinquency and provide supporting documentation. At the discretion of the Secretary, a credit union shall also be required submit to the Department:

1)         A delinquency report for the last six months;

2)         Collection notes for loans delinquent for sixty or more days; and

3)         Current loan status.

g)         Describe your efforts and successes, if any, to offer retail banking services to unbanked and underbanked persons in your assessment field and provide supporting documentation.

h)         Provide a written response to any public comments, if any, received since your last ILCRA examination.

i)          Provide any other information you believe is relevant to assessing whether you are meeting the financial services needs of your assessment field.