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* 1. Which describes SBA access for your bank?

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* 2. Scope of issues – The sheer size of SBA’s ramp-up and troubled rollout created huge bank challenges. To give CBA direction about resources to provide in the future, on the following topics please indicate how you regard the issue.

E-Tran access

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* 3. Who qualifies – loans to nonprofits, banks, ag businesses, churches...

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* 4. Promissory note/terms – SBA’s note, your modified note, either, confusion

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* 5. Various SBA forms and documents

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* 6. Consistency of direction from SBA offices

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* 7. 5 then 10-day disbursement requirement

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* 8. Definition/verification of payroll for loan calculations

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* 9. Receipt of SBA funding for proceeds already disbursed by bank

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* 10. Bank liability – from documentation to disbursements to forgiveness

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* 11. Federal Reserve liquidity facility

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* 12. PPP secondary market

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* 13. Concern about PPP fund balance adequacy

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* 14. Safe harbor against class action suits

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* 15. Affiliation rules

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* 16. Serving noncustomers (BSA, KYC…)

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* 17. Lending to bank director's businesses

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* 18. Other PPP or SBA issues: (Open-ended answer, allow 200 characters)

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* 19. Other issues – In regard to other related issues, please indicate how you regard the issue:

Prep for direct cash payments to citizens – direct deposit v check (current expectation: 4/10 75M ACH direct deposit payees [payable 4/15], 4/22 15M more ACH payee payments, 4/29 15M more; starting 4/20 send 70-100M printed checks at 5M/wk [max Treasury can produce] so will take 14-20 weeks or 3-5 months)

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* 20. Various bank regulatory issues – Capital rules (excluding certain bank lending from capital calculations), reserve requirements – CECL and Community Bank Leverage Ratio already concluded satisfactorily

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* 21. Expectations to bank the unbanked and underbanked

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* 22. Requirements for lender accommodations (deferred payments, fee waivers, loan write-downs…)

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* 23. In subsequent COVID-19 legislation, oppose provisions like retailers trying to extend interchange restrictions to credit cards, credit unions pursuing pet projects

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* 24. Completing real estate transactions

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* 25. Other related concerns:

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* 26. PR – In regard to public perception of banking, in the last several weeks CBA has provided pro-bank content for news stories, and developed and distributed fact sheets and presentations. Please give direction about CBA use of resources on below issues:

Educate public on perception of banks causing “slow/disorganized distribution of funds”

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* 27. Educate public on safety of deposits

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* 28. Educate public on availability of loans

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* 29. Educate public on potential requirements for lender accommodations of customers, or restrictions on evictions and foreclosures

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* 30. Educate public on unrealistically high public expectations of banks for lending (like PPP) due to statements by public officials, public perception that banks are a bottleneck and that banks are making money off of others’ problems

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* 31. Other PR concerns: (Open-ended answer, allow 200 characters)

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* 32. Information resources – In recent weeks, CBA posted dozens of documents on our web site and sent 45 emails updates (usually 1-2/day), and conducted CBA-produced webinars.  What additional work do you suggest CBA do like these examples?

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* 33. Success – If you have success stories that can reflect positively on your bank and the industry, please briefly describe and provide the name, email address and phone for the key contact. (Open-ended answer, allow 200 characters)

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* 34. We are having great difficulty getting loan data from SBA yet that is information you, small businesses, media and the public want. Please provide your latest numbers for these questions:

What is the total number of loans you have processed through SBA?

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* 35. What is the total dollar value of loans you have processed through SBA? (in millions)

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* 36. What is the total number of loans for which you have disbursed funds?

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* 37. What is the total dollar value of loans for which you have disbursed funds? (in millions)

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* 38. Financial pressures, Cores – While you have significant reduced income and increased expenses, a major fixed expense comes from your core provider. While solutions currently are not apparent, how big of a priority is reducing your costs and/or pressing for fair contract rights under what many now regard as one-sided contracts?

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* 39. Other – What other things should CBA do or what other issues should we address in the next 6-12 months?

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* 40. Bank size

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* 41. Optional: Bank name, survey participant, phone number.

Thank you for filling out this survey!

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