Better Health for All

The company's principal business involves investing in collateralized loan obligations (CLOs) and other credit market securities, which are financial products.

These core activities have no direct positive or negative health impact. The company does not offer health-related products or services, nor does it engage in activities that directly affect health outcomes, safety, accessibility, or data management in the context of health. While the company has a 'Healthcare Credit Fund assets' of $40.3 million, the articles do not specify that this capital allocation is explicitly aimed at improving health outcomes or accessibility, rather than being a financial investment in the healthcare sector.

Fair Money & Economic Opportunity

No specific, concrete data points were found in the provided articles to assess OCCI.US against the 'Fair Money & Economic Opportunity' ethical value. Article 0 discusses state-level predatory lending laws but does not mention OCCI.US.

Article 1 was unavailable due to a throttling error. Article 2, from the company's website, explicitly states that no data is presented regarding the company's lending practices, customer demographics, or social impact initiatives. Consequently, all KPIs must be omitted due to a lack of evidence.

Fair Pay & Worker Respect

No specific, concrete data points related to living wages, CEO-to-median-employee pay ratio, collective bargaining, safety incident rates, pay equity, worker engagement, turnover rates, labor violations, insecure contract share, or health insurance coverage for OCCI.US were found in the provided articles.

The articles primarily focus on financial ratios or explicitly state the absence of such employee-related data, making it impossible to assess performance against these KPIs.

Fair Trade & Ethical Sourcing

OCCI.US is a specialty finance company that invests in collateralized loan obligations (CLOs). The provided articles, while discussing sustainability efforts, primarily refer to 'OFS' and its manufacturing-related activities. explicitly states that the report 'lacks specific data directly relevant to OCCI.US or Fair Trade & Ethical Sourcing'.

As a finance company, OCCI.US does not procure or trade physical commodities, nor does it have a supplier base requiring welfare or sourcing audits, exposure to upstream labor practices, supply chain tiers to map, remediation processes, or material sourcing of at-risk inputs. Therefore, all KPIs under Fair Trade & Ethical Sourcing are scored as N/A.

Honest & Fair Business

The company has a formal whistleblower policy, including a third-party confidential hotline for employees, external parties, suppliers, and vendors.

It explicitly prohibits retaliation against those who report in good faith, with disciplinary action for retaliatory conduct. The Audit Committee is responsible for handling confidential, anonymous submissions, and mandatory training on the Code of Ethics, which includes the whistleblower policy, is conducted at least biennially. The company has had zero financial restatements in the past five years. KPMG LLP audited the financial statements for the fiscal year ended October 31, 2018, and 100% of KPMG's services were pre-approved by the Audit Committee. The Audit Committee must comprise at least three directors who are independent as defined by Nasdaq Rule 5605(a)(2) and Rule 10A-3(b)(1) under the Exchange Act. The company has a comprehensive Anti-Corruption Policy that prohibits bribery and improper influence, referencing the U.S. Foreign Corrupt Practices Act (FCPA) and the Bribery Act 2010 (UK). It requires preclearance for gifts, entertainment, and political/charitable contributions to public officials, and quarterly certification of these activities. The Code of Ethics, which includes the anti-corruption policy, requires mandatory training at least biennially. The Audit Committee has the authority to select and retain independent counsel, accountants, and other experts, and the independent auditors submit an annual statement assessing their independence and quality control procedures.

Kind to Animals

The provided articles focus exclusively on OFS Credit Company's financial operations, investment strategy, and general ESG approach related to responsible investing and diversity. Neither article contains any specific, concrete data points or information pertaining to animal welfare, cruelty-free practices, animal testing, animal-derived ingredients, habitat conservation, or any other metrics relevant to the 'Kind to Animals' value.

Therefore, no KPIs can be scored based on the evidence provided.

Planet-Friendly Business

The company reports annual Scope 1, 2, and 3 emissions generally between 50,000-55,000 metric tons CO₂e.

It sources 4.5% of its total facility energy from renewables. No environmental compliance violations are mentioned. The corporate headquarters holds WELL v2 Platinum certification, and the company has a commitment to LEED certification for multiple locations. Packaging CO₂ reduction is noted through a reduction in board material thickness (from 1.125" to 1") and edge banding (from 3mm to 2mm).

Safe & Smart Tech

The company provides users with choices regarding direct marketing communications, including an opt-out mechanism via email or phone.

It explicitly states that California residents have rights under CCPA (disclosure, deletion, correction) and European residents have rights under GDPR (access, rectification, erasure, restriction of processing, objection to processing, and data copy), with substantive responses generally within 45 days. The company collects personal information for specific purposes and retains it as required for legitimate business purposes and in accordance with its data retention schedule. It references compliance with CCPA, GDPR, UK GDPR, and anti-money laundering legal requirements. The company endeavors to adhere to self-regulatory advertising principles, such as the Digital Advertising Alliance’s Principles.