Young Kim actually said...

"I have to say that I am very troubled that we are considering expanding SBA's direct loan programs without ensuring internal controls against fraud."

"I would urge you to analyze the direct lending provisions and its impact on smaller businesses before considering its implementation."

"I wish we were able to put in additional funds into the Restaurant Revitalization Fund."

"I urge you to build off of that in terms of letting them know what next."