; (6) providing transparency with respect to use of funds provided under this Act and the amendments made by this Act; (7) promoting and engaging in financial education to would-be borrowers; and (8) providing funding to eligible institutions that serve consumers, small businesses, and nonprofit organizations to support affordable housing, community-serving real estate, and other projects that provide direct benefits to low- and moderate-income communities, low-income individuals, and minorities directly affected by the COVID–19 pandemic. (b) Requirement for creditors Any creditor participating in a program established under this Act or the amendments made by this Act shall fully comply with all applicable statutory and regulatory requirements relating to fair lending. 4. Sense of Congress It is the sense of Congress that the investments made by the Secretary of the Treasury under this Act and the amendments made by this Act should be designed to maximize the benefit to low- and moderate-income and minority communities and contemplate losses to capital of the Treasury. 5. Neighborhood Investment Programs Title IV of the CARES Act ( Public Law 116–136 ) is amended— (1) in section 4002 ( 15 U.S.C. 9041 )— (A) by redesignating paragraphs (7) through (10) as paragraphs (8) through (11), respectively; and (B) by inserting after paragraph (6) the following: (7) Low- and moderate-income community financial institution The term low- and moderate-income community financial institution means any financial institution that is— (A) a community development financial institution, as defined in section 103 of the Riegle Community Development and Regulatory Improvement Act of 1994 ( 12 U.S.C. 4702 ); or (B) a minority depository institution, as defined in section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 1463 note), for which the majority of the community served by the minority depository institution is minority, as defined in such section.