So one way to improve it would be to give it a statutory basis.

Congress is very much interested in the fee waiver program.

there is a reason why venture capitalists are not investing as much in black businesses.

Thank you, Dr. Wilson. I appreciate it very, very much.

And these are areas I hope that the SBA will take into consideration as we are continuing.

We have too many people who we lose in our economy that need an opportunity.

Let us make sure that we are improving those results, not moving in the wrong direction.

I do not know if that is accurate. The fee waiver seems to have been very effective in helping underserved businesses.

I know of a lot of businesses that are minority-owned, women-owned businesses that do not fall in rural and do not fall in a HUBZone that should qualify for the maximum amount of help that we could give them to get loans.

the fact that black owners do not have the same ability for capital is against the values of this Nation.

I would just hope that there will be an opportunity for this type of input as we look toward the ultimate resolution of the permanency of this program.

That is unacceptable.

Administrator McMahon is well respected in our Committee. She has been very vocal about her commitment to make sure that the programs are diverse and fairly representative of this country.

We need to think somewhat out of the box.

The Trump administration zeroed out the budget. Congress restored it.

But my information also shows that we do have regional gaps in having the availability of these programs.

I share that concern.

We can and must do better.

it is also holding down the growth potential of this country when we hold down entrepreneurship in minority communities.

Quite an impressive record. Well done.

As I said in the introduction to Mr. Manger's question, our Committee wants to work with the SBA to accomplish the mission in helping underserved communities.

I think the participation efforts ought to be longer than a year because you want the continuous work for minority businesses.

we know about the tremendous wealth disparity between the minority community, between women, and we need to bridge that gap.

If you are coming out of prison, I am sure your credit score is not exactly that high.

Well, I want to thank this panel. Both panels have been extremely helpful.