4. a. The board shall review the CRA reports submitted to it pursuant to section 2 of this act.

b. The board shall act as a resource to the commissioner by developing and recommending to the commissioner ideas and programs to assist:

(1) depository institutions in meeting community credit needs; and

  

(2) consumers in understanding and using credit opportunities available through depository institutions in the State.

L.1991,c.294,s.4.