; and (B) in which fewer than 33 percent of end-user premises (as defined by the Commission for purposes of Form 477) do not have access to advanced telecommunications capability. (3) Digital redlining The term digital redlining means a practice whereby a provider of advanced telecommunications capability excludes certain areas when expanding or upgrading service due to income or other reasons. (4) Urban area The term urban area means an urbanized area or urban cluster area with a population equal to or greater than 25,000, as determined by the most recent rural-urban classification by the Bureau of the Census. .