# 38 Ill. Adm. Code 345.200: Section 345.200 Assessment Factors

> Illinois · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_200

## Section

- **Citation:** 38 Ill. Adm. Code 345.200
- **Heading:** Section 345.200 Assessment Factors
- **Jurisdiction:** Illinois
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Illinois Administrative Code / Title 38 FINANCIAL INSTITUTIONS / CHAPTER II: DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION / Part 345 BANK COMMUNITY REINVESTMENT / Section 345.200 Assessment Factors

## Text

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.

## Nearby sections

- [38 Ill. Adm. Code 345.200 Section 345.200  Assessment Factors](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_200.md)
- [38 Ill. Adm. Code 345.210 Section 345.210  Performance Tests, Standards, and Ratings, in General](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_210.md)
- [38 Ill. Adm. Code 345.220 Section 345.220  Lending Test](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_220.md)
- [38 Ill. Adm. Code 345.230 Section 345.230  Investment Test](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_230.md)
- [38 Ill. Adm. Code 345.240 Section 345.240  Service Test](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_240.md)
- [38 Ill. Adm. Code 345.260 Section 345.260  Small Bank Performance Standards](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_260.md)
- [38 Ill. Adm. Code 345.290 Section 345.290  Effect of ILCRA Performance on Applications](https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_290.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_IL_IAC_T38_P345_S345_200. Check the current official text before relying on it. Not legal advice.