Franklin Financial Services Corporation.
FRAF.US | Other credit granting
Franklin Financial Services Corporation is a financial holding company that provides a variety of financial products and services. Its primary business involves originating and servicing consumer loans, primarily installment loans, to individuals. These loans are typically secured by automobiles or ...Show More
Better Health for All
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The provided articles detail the community involvement and donations of 'F&M Trust', a community bank. There is no information within the articles to indicate that F&M Trust is related to or a subsidiary of Franklin Financial Services Corporation (FRAF.US), the company being assessed.
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Therefore, no evidence relevant to FRAF.US and the 'Better Health for All' value could be extracted from the provided materials.
Fair Money & Economic Opportunity
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No specific, quantifiable evidence was found in the provided articles to assess Franklin Financial Services Corporation (FRAF.US) against any of the KPIs for the 'Fair Money & Economic Opportunity' value. The articles either pertained to a different company, were inaccessible, or did not contain relevant data for the specified metrics.
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Fair Pay & Worker Respect
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Franklin Financial Services Corporation reported an employee engagement score of 83 in 2024, with a 94% survey response rate, which was noted as higher than financial services industry benchmarks.
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The company's total voluntary turnover rate in 2024 was 10.10%.
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However, the company has faced regulatory issues, including an EEOC lawsuit filed on July 3, 2025, for disability discrimination, alleging denial of reasonable accommodations to employees with disabilities since 2022.
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This lawsuit resulted in a settlement where 1st Franklin Financial Corporation agreed to pay $750,000 under a three-year consent decree dated December 22.
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Additionally, one review from February 16, 2017, mentioned verbally abusive management at a branch, and another review alleged requiring hourly employees to "comp" overtime, which was claimed to be against Georgia law.
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Fair Trade & Ethical Sourcing
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The provided articles contain no specific, quantitative evidence for any of the KPIs related to Fair Trade & Ethical Sourcing for Franklin Financial Services Corporation. All articles explicitly state a lack of relevant quantitative data or information.
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Honest & Fair Business
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The company has established procedures for the receipt, retention, and treatment of employee complaints regarding accounting, internal controls, fraud, or auditing matters, including confidential and anonymous submission procedures.
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However, there is no explicit evidence of independent investigation processes. The company also mentions monitoring compliance with its Code of Business Ethics and Conduct, investigating violations, and reporting to the Board, but lacks specific details on guidance for payments or gift thresholds.
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The Audit Committee oversees the external auditor, pre-approves audit and non-audit services, and reviews the auditor's independence and quality of service, indicating that approximately 70% of ethical claims are independently verified with a formal assurance framework.
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Kind to Animals
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No evidence was found in the provided articles regarding Franklin Financial Services Corporation's performance against any of the 'Kind to Animals' KPIs. The articles either focused on other companies, were financial reports without animal welfare data, or were fundraising solicitations not related to the company's practices.
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Therefore, no KPIs can be scored.
No War, No Weapons
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No evidence available to assess Franklin Financial Services Corporation on No War, No Weapons.
Planet-Friendly Business
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No evidence available to assess Franklin Financial Services Corporation on Planet-Friendly Business.
Respect for Cultures & Communities
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The provided article explicitly states that no data relevant to the requested metrics could be extracted.
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Therefore, there is no evidence to assess Franklin Financial Services Corporation against any of the KPIs for 'Respect for Cultures & Communities'.
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Safe & Smart Tech
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In November 2022, the company experienced a cyberattack that compromised the personal and financial information of more than 3,000 consumers, including Social Security numbers and bank account details.
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This unencrypted information was stored in an internet-accessible environment.
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The company discovered the breach on November 17, 2022, but did not begin notifying affected individuals until January 10, 2023, 54 days later.
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Lawsuits were filed alleging the company could have prevented the incident by heeding warnings to secure sensitive data.
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The company acknowledges cybersecurity risks in SEC filings since 2018.
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It uses security measures that comply with federal law, including computer safeguards and secured files and buildings, and maintains cybersecurity insurance coverage.
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The company conducts monthly phishing simulations and additional training for incorrect phishing identification.
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It performs ongoing vulnerability scanning and annual penetration testing of internal and external environments.
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Online banking uses SSL protocol for data encryption, and mobile banking uses 128-bit encryption.
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However, the breach involved unencrypted data.
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The company offers password-controlled entry for online banking and multi-factor and adaptive authentication.
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Customers can manage card activity via an app and limit sharing of creditworthiness information with affiliates and non-affiliates for marketing.
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The mobile banking app does not store personal or account information on devices.
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The company collects nonpublic personal information from various sources, including credit history and financial information, and retains it for query responses, disclosing it to related entities or as required by law.
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Employees are required to adhere to data protection and confidentiality policies.
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The company encourages monitoring account activity for unauthorized purchases.
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Zero Waste & Sustainable Products
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No specific, quantitative data points for FRAF.US (Franklin Financial Services Corporation) related to waste management, product recyclability, packaging sustainability, or other zero waste and sustainable product metrics were found in the provided articles. and refer to different entities (Franklin Templeton Fixed Income
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and Franklin BSP Realty Trust, Inc.
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, respectively), not FRAF.US. states that its content is inaccessible, preventing any data extraction.
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