; (6) providing transparency with respect to use of funds provided under this title and the amendments made by this title; (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 title or the amendments made by this title shall fully comply with all applicable statutory and regulatory requirements relating to fair lending. 705. Neighborhood Capital Investment Program 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 (9) through (12), 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. (8) Minority depository institution The term minority depository institution — (A) has the meaning given that term under section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 1463 note); (B) means an entity considered to be a minority depository institution by— (i) the appropriate Federal banking agency (as such term is defined under section 3 of the Federal Deposit Insurance Act); or (ii) the National Credit Union Administration, in the case of an insured credit union