#aah? ,,congress  #a/ ,session  ,h4 ,r4 
#ddi  ,,an ,,act  ,to am5d ! ,small     
,bus9ess ,act to increase transp>5cy1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,microloan         
,transp>5cy & ,acc\ntability ,act (     
#bjbc4  #b4 ,portfolio risk analysis (  
microloans ,section #g7m77#aj7 ( !      
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7m77#aj77 is am5d$--  7#a7 by       
r$esignat+ subp>agraphs 7,a7 ?r\gh 7,f7 
z clauses 7i7 ?r\gh 7vi71 respectively1 
& adju/+ ! m>g9s accord+ly2  7#b7 by    
am5d+ clause 7iv71 z s r$esignat$1 to   
read z foll[s3  7vi7 ! numb]1 am\nt1 &  
p]c5tage ( microloans made by           
int]m$i>ies to small bus9ess conc]ns--  
7,i7 t w5t into default 9 ! previ\s ye>2
 &  7,,ii7 t 7 *>g$ (f 9 ! previ\s ye>  
by su* int]m$i>ies2  2  7#c7 9 clause   
7vi71 z s r$esignat$1 by /rik+ & at !   
end2  7#d7 by r$esignat+ subp>agraph    
7,g7 z clause 7xviii71 & adju/+ ! m>g9  
accord+ly2  7#e7 by /rik+ ,on ,novemb]  
#a1 #aiie1 & all t foll[s ?r\gh !       

foll[+3 & ins]t+ ! foll[+3  7,a7 ,9     
g5]al ,beg9n+ on ,febru>y #a1 #bjbc1 &  
annually !reaft]1 ! ,adm9i/rator %all   
submit to ! ,committee on ,small        
,bus9ess & ,entrepr5eur%ip ( ! ,s5ate & 
! ,committee on ,small ,bus9ess ( !     
,h\se ( ,repres5tatives1 & make         
available to ! public on ! website ( !  
,adm9i/ration1 a report on !            
effectiv5ess ( ! microloan program dur+ 
! fiscal ye> prec$+ ! date ( ! report4  
,su* report %all include--  2  7#f7 9   
subp>agraph 7,a71 z s designat$1 by     
ins]t+ aft] clause 7vi7 ! foll[+ new    
clauses3  7vii7 ! numb] & type (        
en=cem5t actions tak5 by ! ,adm9i/rator 
aga9/ noncompliant int]m$i>ies2  7viii7 
an analysis ( compliance by int]m$i>ies 
) ! cr$it availability requirem5ts (    
p>agraph 7#c77;,e7 = loans 9 an am\nt   
great] ?an #bj1jjj2  7ix7 ! ext5t to :i*
 microloans are provid$ to small bus9ess
 conc]ns 9 rural areas2  7x7 ! numb] (  
und]s]v$ borr[]s1 z def9$ by !          
,adm9i/ration1 p>ticipat+ 9 ! microloan 

program2  7xi7 ! av]age rate ( int]e/ = 
ea* microloan2  7xii7 ! av]age am\nt (  
fees *>g$ = ea* microloan2  7xiii7 !    
av]age size ( ea* microloan1 includ+--  
7,i7 ! numb] ( loans made 9 an am\nt    
great] ?an #bj1jjj2 &  7,,ii7 ! av]age  
size & *>ge-(f rate ( su* loans2  7xiv7 
! subsidy co/ to ! ,adm9i/ration2  7xv7 
! numb] & p]c5tage ( microloans t 7 made
 to ref9ance o!r loans2  7xvi7 ! numb] &
 p]c5tage ( microloans made to new      
program p>ticipants & ! numb] & p]c5tage
 ( microloans made to previ\s program   
p>ticipants2  7xvii7 ! av]age am\nt (   
te*nical assi/ance grant monies sp5t on 
ea* loan2 &  2 &  7#g7 by add+ at ! end 
! foll[+3  7,b7 ,privacy ,ea* report    
submitt$ "u subp>agraph 7,a7 %all n     
conta9 any p]sonally id5tifiable        
in=mation ( any borr[]4  4  ,pass$ !    
,h\se ( ,repres5tatives ,janu>y #be1    
#bjbc4;,cl]k4