Question Title

* 1. Savvy and sometimes unscrupulous lenders take advantage of the SOPs "gray areas" with respect to equity injection, seller notes, all available collateral etc. I would like SBA to make the rules more clear and be quicker to react to and punish those that fail to follow them. The recent "credit available elsewhere" issue is a great example: Nobody has a clear definition, so nobody knows how to follow the rules. Is it any wonder why the program faces such scrutiny? (sorry Bob - I'm not sure that was "one thing"!)

Do you agree?