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<br />Ii <br />I! <br />I <br />I <br />I <br />I <br />I! <br /> <br />subdivisions, capital improvements, variances, floodway <br />and floodplain alterations.) Lastly, list all areas <br />where floodplain changes have occurred that need to be <br />discussed with local officials and which may require <br />reporting to FEMA's Risk Studies Section, <br /> <br />C. Lenders Meetings: Lenders, insurance agents and local <br />officials all have important roles in the NFIP, Meetings <br />with each are essential to evaluating the effectiveness of a <br />community's response to the NFIP, <br /> <br />I. The reviewer needs to answer three questions during <br />the lenders meeting: (1) does your contact know what is <br />required of lenders by the NFIP; (2) are these <br />requirements being met; and (3) are lenders getting the <br />information, materials and support needed to perform <br />their responsibilities from FEMA, local officials and <br />insurance agents? <br /> <br />II <br /> <br />2. If the reviewer has pre-arranged the lenders <br />meetings as described in this Guide at I-K and in the <br />CRF at Part 3B, a good deal of information on lenders' <br />performance will already have been compiled. Review the <br />responses that you recorded during this interview as <br />preparation for the visit, <br /> <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br /> <br />3. If the lenders meetings were not prearranged (if the <br />interview outlined at Part 3B was not conducted) start <br />the meeting by going through items~7 from the Part 3B <br />checklist, Refer to Section I-K of this Guide for <br />instructions. <br /> <br />4. In your meeting with lenders, either initiate or <br />continue your interview by referring to the checklist at <br />Part 5 of the CRF, using it as a guide to evaluate their <br />handling of the flood insurance purchase requirement, as <br />follows: <br /> <br />Number 1 - Determine what types of loans the <br />lending institution handles, e,g. residential <br />(conventional or mobile homes) commercial, etc, <br /> <br />Number 2 - Determine whether the flood insurance <br />purchase requirement is being applied to all <br />applicable loan activity, e.g" mobile home loans <br />are sometimes overlooked. <br /> <br />Number 3 - Ask for a step-by-step description of <br />the procedure used to process a loan request <br />beginning with receipt of the application, <br />including the floodplain determination, and up to <br />the means used to ensure continued coverage, e.g" <br /> <br />- 13 - <br />