(a) Each branch application filed under the provisions of this subchapter shall describe the extent, if any, that the association's affirmative loan marketing policies and programs and its Community Reinvestment Act Statements would be changed or affected if the branch application is approved.

(b) In reaching a decision on branch applications, the commissioner may consider, among other things, the extent of compliance with fair lending laws and regulations, and the extent to which the association's present and anticipated marketing policies and programs affirmatively further the purposes of fair lending laws and regulations. Consideration of fair lending compliance pursuant to this subsection shall be given special emphasis when there are competing applicants for a branch facility.