  Other recommendations regarding SBA loan programs included setting higher ceilings for loan amounts, such as increasing the microloan limit from $ to $ and expanding the Community Express Pilot program to encompass participation by CDFIs and other mission-driven lenders with sufficient capacity. There was also support for allowing the 504 program to be used for refinancing owner-occupied commercial real estate.
With the benefit of hindsight, I am sure we will see the cleaning up of the process of allocating public resources like spectrum and mines, as well as the process of appointing critical personnel such as public sector bank chiefs, as one of the most effective reforms undertaken by the government. This is significantly increasing transparency in our system.