; (ii) that the institution consult with community-based organizations and other community stakeholders in developing the community benefits plan; and (iii) a public hearing for any institution that has a received a need-to-improve or sufficient grade in any individual assessment area during the most recent examination. (b) U.S. nonbank mortgage originator In connection with its examination of a U.S. nonbank mortgage originator, the appropriate Federal financial supervisory agency shall perform the following: (1) Assess the record of the U.S. nonbank mortgage originator in meeting the credit or other financial needs of its entire community, in particular low-income and moderate-income people and communities, consistent with the safe and sound operation of the U.S. nonbank mortgage originator. (2) Assess, as appropriate, the following activities in the assessment areas of the U.S. nonbank mortgage originator: (A) Retail lending, including home loans. (B) Community development services. (C) Community development lending and investments, which may include a consideration of— (i) the origination of loans and other efforts by the institution to assist existing low- and moderate-income residents to remain in affordable housing in their community; (ii) the origination of loans by the institution that result in the construction, rehabilitation or preservation of affordable housing units