Section 345.200 Assessment Factors

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.