Section 345.200  Assessment Factors

As used in this Part, "assessment factors" means the assessment of the following factors to determine whether a bank is meeting the financial services needs of local communities:

a)         activities to ascertain the financial services needs of the community, including communication with community members regarding the financial services provided;

b)         extent of marketing to make members of the community aware of the financial services offered;

c)         origination of mortgage loans including, but not limited to, home improvement and rehabilitation loans, and other efforts to assist existing low-income and moderate-income resident to be able to remain in affordable housing in their neighborhoods;

d)         for small business lenders, the origination of loans to businesses with gross annual revenues of $1,000,000.00 or less, particularly those in low-income and moderate-income neighborhoods;

e)         participation, 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;

f)         efforts working with delinquent customers to facilitate a resolution of the delinquency;

g)         origination of loans that show an under concentration and a systemic pattern of lending resulting in the loss of affordable housing units;

h)         evidence of discriminatory and prohibited practices; and

i)          offering retail banking services to unbanked and underbanked persons.