Hannibal “Mike” Ware, Inspector General, U.S. Small Business Administration (June 14, 2022)
Summary
This is the statement of Inspector General Hannibal “Mike” Ware of the Small Business Administration before the Select Subcommittee on the Coronavirus Crisis, dated June 14, 2022. It states that the Office of Inspector General's PPP and EIDL oversight and investigative work resulted in 417 indictments, 328 arrests, and 263 convictions as of May 31, 2022. It says collaboration with the Small Business Administration and the Secret Service resulted in the seizure of more than $1 billion stolen by fraudsters in the EIDL program. It adds that as of June 2, 2022, over $8 billion has been returned by financial institutions to the Small Business Administration related to the EIDL programs. The statement says the office has issued 22 reports focused on the Small Business Administration's pandemic response.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
Cite this document
“Hannibal ‘Mike’ Ware, Inspector General, U.S. Small Business Administration (June 14, 2022).”
Original at docs.house.gov. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/hhrg-117-vc00-wstate-wareh-20220614-6b429298f5/
, SHA-256 bd506b0e7b6cef33164470053de711f48e928cac7b07dc374096d83428168eda.Full text
HANNIBAL “MIKE” WARE
INSPECTOR GENERAL
U.S. SMALL BUSINESS ADMINISTRATION
BEFORE THE
SELECT SUBCOMMITTEE ON THE CORONAVIRUS CRISIS
U.S. HOUSE OF REPRESENTATIVES
JUNE 14, 2022
INTRODUCTION
Chairman Clyburn, Ranking Member Scalise, and distinguished members of the
Subcommittee, thank you for inviting me to testify before you today and for your
continued support of the Office of Inspector General (OIG). The hearing is titled,
“Examining Federal Efforts to Prevent, Detect, and Prosecute Pandemic Relief
Fraud to Safeguard Funds for All Eligible Americans.” I am proud of the dedication
and hard work of the men and women of OIG to not only prevent fraud in these
programs, but also to detect, deter, and combat fraud.
OIG provides auditing, investigative, and other services to support and assist the
U.S. Small Business Administration (SBA) in achieving its mission. As a result of
its oversight efforts, each year, OIG provides recommendations to SBA leadership
aimed at improving the integrity, accountability, and performance of SBA and its
programs for the benefit of the American people. Similarly, OIG’s investigative
efforts result in convictions and indictments as we pursue evidence of fraud in SBA
programs. In doing so, OIG provides taxpayers with a significant return on
investment as we root out fraud, waste, and abuse in SBA programs. Our oversight
of SBA’s pandemic response in FY 2021 resulted in OIG achieving $4.2 billion in
monetary recoveries and savings, an exponential return on investment. We are
working in earnest along with our law enforcement partners to investigate the
billions of dollars in fraud in order to make the nations taxpayers whole.
PANDEMIC RESPONSE OVERSIGHT
Congress authorized SBA to administer more than $1 trillion through the Paycheck
Protection Program (PPP), Economic Injury Disaster Loans (EIDL), Shuttered
Venue Operators Grant program (SVOG), and the Restaurant Revitalization Fund
(RRF), mitigating the economic damage to the nation resulting from the COVID-19
pandemic.
To support businesses affected by the COVID-19 pandemic, in FY 2021, Congress
tasked SBA with lending $470 billion in COVID-19 EIDLs and $20 billion in
COVID-19 emergency grants. In FY 2021, Congress appropriated additional funds
for new disaster assistance programs: $35 billion for Targeted EIDL Advances and
Supplemental Targeted Advances, $16.25 billion for the SVOG program, and $28.6
billion for the RRF. The CARES Act had provided $349 billion for the creation of the
PPP under Section 7(a) of the Small Business Act. Congress added an additional
$310 billion to the PPP on April 24, 2020, through the Paycheck Protection Program
and Health Care Enhancement Act. On December 27, 2020, through the
Consolidated Appropriations Act of 2021, the Economic Aid to Hard-Hit Small
Businesses, Nonprofits, and Venues Act extended the program through March 31,
2021. The Economic Aid Act provided an additional $147.5 billion in program
funding. The American Rescue Plan Act provided an additional $7.2 billion, which
2
increased the total program funding to $813.7 billion. On March 30, 2021, the PPP
Extension Act of 2021 extended the program through June 30, 2021, with May 31,
2021 as the last day for acceptance of applications.
OIG’s highest priority is pandemic response oversight. Our robust oversight plan
uses all available OIG resources to provide timely, objective, and independent
oversight of the programs being implemented and executed by SBA pursuant to the
Coronavirus Aid, Relief, and Economic Security (CARES) Act.
My office knew from the onset of pandemic relief that SBA would face a delicate
balancing act of preventing wide-spread fraud, while ensuring timely disbursement
of relief funds to Americans in immediate need of assistance. The biggest concern
for our office was SBA expediting delivery of capital to small businesses without
first establishing the internal controls necessary to decrease risk. This was why we
issued three reports prior to the first PPP loan or EIDL being disbursed. Our
reports stressed the importance of up-front program controls to mitigate the risk of
fraud. Because of the lessons we’d learned from other disasters, OIG knew the
weaknesses we found in the past would be greatly magnified with programs as large
as the PPP and EIDL. We offered recommendations on how to best mitigate the
risks SBA would be facing.
We sought to raise awareness of potential fraud by publishing a list of fraud
schemes and scams to alert the public and SBA stakeholders. This information was
made available on OIG’s website and distributed broadly through established
communication channels, including social media. OIG also sought assistance from
organizations involved with SBA lending to distribute the information and raise
awareness. We have also integrated multimedia onto our Hotline webpage to
provide an alternative means of learning about our Hotline and its operations.
We work extensively with news organizations to ensure an understanding of our
perspective in their reporting to the public.
We actively engaged SBA leadership throughout the duration of the pandemic to
notify them of preliminary findings so they could respond in real time to prevent
loss to the taxpayer. Our primary message was that strong internal controls are an
antidote to fraud.
SBA’s need to quickly provide relief to small businesses led to reduced controls on
pandemic-related loans and grants, substantially increasing the fraud risk. It was
immediately clear that pandemic relief efforts had drawn the attention of
unscrupulous and greedy criminals. Complaints from lenders and allegations of
misuse of funds overwhelmed OIG’s Hotline. A growing national narrative told of
widespread fraudulent activity involving funds intended to provide economic relief
to qualifying small businesses and entrepreneurs. We launched investigations and
audits to root out the fraud and abuse endangering these critical resources.
3
We have issued 22 reports focused on SBA’s pandemic response, and there is more
significant work to come. My office is currently focused on providing oversight of
PPP funds and combating fraud, waste, and abuse in PPP and the other programs.
We reviewed PPP, EIDL, SVOG, RRF, and entrepreneurial development programs.
These reviews were focused on SBA’s loan review and forgiveness processes,
handling of potentially fraudulent PPP loans, initial disaster assistance response to
COVID-19, implementation of subsidies for 7(a) loan payments, oversight of the
resource partner associations’ implementation of the CARES Act requirements, and
award procedures for cooperative agreements. Additionally, OIG identified several
areas that will warrant future audits and reviews, including, eligibility and
forgiveness, third-party processors (fintechs), 7(a) and 504 lending, and reviews of
the SBDCs and Women’s Business Centers compliance with CARES Act cooperative
agreement requirements. OIG will also assess SBA’s use of contractors and its
contracting practices in implementing pandemic response responsibilities, as well
as IT security and infrastructure. OIG’s robust oversight of these programs will
continue for the foreseeable future.
Criminals are using a wide array of techniques to fraudulently obtain PPP and
EIDL loans. Since March 2020, we have initiated hundreds of investigations
involving complaints of fraud, resulting in arrests, indictments, and convictions that
are reported daily by the U.S. Department of Justice. Among these
accomplishments was the first charges filed against individuals fraudulently
seeking PPP loans, announced on May 5, 2020. This achievement was the result of
dedicated work by OIG criminal investigators and law enforcement partners. With
the tens of thousands of allegations of wrongdoing reported to the OIG Hotline and
through our data analysis efforts, the number of criminal investigations is expected
to increase rapidly. Further changes to program terms (such as loan terms) could
extend the surge of new complaints; however, we anticipate a resurgence of
allegations of wrongdoing now that PPP forgiveness is underway.
COMBATTING FRAUD
OIG’s PPP and EIDL oversight and investigative work has resulted in 417
indictments, 328 arrests, and 263 convictions as of May 31, 2022. Additionally, OIG
collaboration with SBA and the U.S. Secret Service has resulted in the seizure of
more than $1 billion stolen by fraudsters in the EIDL program.
SBA OIG has provided a great deal of outreach to the financial institutions (FIs) to
educate the FIs regarding the SBA COVID-related programs, the fraud indicators,
issued a Scam and Fraud alert, and provided information on how to return the
funds. OIG and USSS jointly issued FinCEN Alerts with this information as well
giving additional guidance to the FIs and leading the FIs to return the funds or hold
for seizure. As of June 2, 2022, over $8 billion dollars has been returned by financial
4
institutions to SBA related to the EIDL programs. Additionally, SBA has also
received over $17 billion dollars of EIDL funds that have been returned by
borrowers. SBA is conducting ongoing analysis to determine the fraud related to the
return of funds. OIG has played a key role in the return of these funds through
working with our law enforcement partners, FIs, and educating the public about
fraud in the pandemic relief programs, which has served as a deterrent to
fraudsters.
Additionally, OIG has partnered with other law enforcement organizations,
conducted outreach to the U.S. Department of Justice Offices of the U.S. Attorneys,
and evaluated allegations of wrongdoing received through our Hotline through a
partnership with the Pandemic Response Accountability Committee (PRAC). We
also partnered with the SBA Office of the Chief Information Officer to investigate
and remove websites suspected of being fraudulent. Hundreds of investigations
involving complaints of fraud have been initiated by our office and many more are
ongoing by our law enforcement partners, with noteworthy results being reported
daily by the U.S. Department of Justice.
Our enhanced data analytics efforts have been key to our success. To date, OIG’s
data analytics have identified billions of dollars of potential fraud in SBA’s
pandemic response lending programs. Data analytics have bolstered our
investigative capacity with findings that have led to the investigation and arrest of
fraudsters across the nation. Many of the instances of fraud have been egregious:
• In May 2022, two Florida men were sentenced for leading a nationwide
scheme to defraud the PPP for millions of dollars in loans. They recruited
additional PPP loan applicants, preparing and submitting fraudulent loan
applications in exchange for a share of the proceeds. They submitted or
facilitated at least 79 fraudulent loan applications worth at least $35
million—and planned to submit more.
• In November 2021, seven members of a Los Angeles-based fraud ring were
sentenced in a scheme that involved submitting 150 PPP and EIDL
applications, obtaining more than $20 million in pandemic economic relief
funds. The defendants used dozens of fake, stolen, or synthetic identities,
including names belonging to elderly or deceased people and foreign exchange
students. They used the funds to buy homes, gold coins, diamonds, jewelry,
luxury watches, fine imported furnishings, designer handbags, and a Harley-
Davidson motorcycle. The leader of the fraud ring was sentenced to 17 years
in prison. Two others were sentenced to 6 years and another conspirator to 5
years.
• In February 2022, a California woman pled guilty to bank fraud and money
laundering and received 36 months in prison. She obtained pandemic relief
5
funds from both the PPP and EIDL for multiple fictitious businesses. The
woman admitted receiving $992,291 in PPP loans and $150,900 in EIDLs and
advances. She used the money for a buying spree of high-end luxury items
and services, such as $184,000 on private jet travel and hotel expenses;
$124,000 on luxury purchases from Louis Vuitton, Neiman Marcus, and
Nordstrom; and $16,000 on boat and car rentals. She spent another $150,000
on Mercedes-Benz, Land Rover, and Nissan automobiles. She was ordered to
pay $1.1 million in restitution.
• In November 2021, a Texas man pled guilty to charges of wire fraud and
money laundering for fraudulently obtaining over $1.6 million in PPP funds.
He falsely represented the number of employees and payroll expenses in PPP
loan applications. After he received the PPP loan funds, he bought a
Lamborghini Urus, a Ford F-350 truck, and a Rolex watch. The U.S.
Department of Justice, along with other law enforcement partners, seized
over $700,000 of the funds. This case was investigated by SBA OIG, the
Federal Housing Finance Agency Office of Inspector General, and the U.S.
Postal Inspection Service Criminal Investigations.
• In February 2022, an Arizona man was sentenced to 32 months in federal
prison for submitting fraudulent EIDL applications on behalf of more than 70
limited liability companies. He received $3.8 million in loans and $336,000 in
grants. In these applications, he made false statements about the number of
employees, the amount of gross revenues, and cost of goods sold. He also
falsely agreed to use the funds as working capital and instead used the
economic assistance money to purchase a new home.
Whistleblowers have been instrumental to our oversight efforts. These brave
individuals have courageously come forward to help us focus our oversight on
vulnerabilities within SBA’s internal control environment and other areas of
significant concern. Many of our Hotline complaints concern identity theft. We have
been able to make referrals to SBA to address complainants’ concerns pertaining to
fraudulent loans. These reports have also informed our ongoing review of SBA’s
response to allegations of identity theft. OIG is deeply appreciative of the
whistleblowers who have come forward. We will investigate any ensuing complaints
of retaliation that may be related to these protected disclosures.
OIG has been focused on bringing fraudsters to justice that plan on exploiting SBA’s
vital programs for personal gain. As we uncover fraud in real time, we continue to
provide reports and recommendations aimed at strengthening SBA’s internal
controls and fraud prevention landscape.
Summaries of recently published audit oversight work are below.
6
SBA’s Handling of Potentially Fraudulent Paycheck Protection Program Loans,
Report 22-13
We found that SBA did not have an organizational structure with clearly defined
roles, responsibilities, and processes to manage and handle potentially
fraudulent PPP loans across the program. In addition, the agency did not
establish a centralized entity to design, lead, and manage fraud risk. This
problem occurred because the agency did not establish a sufficient fraud risk
framework at the start of and throughout PPP implementation. Management
stated this was partly due to the speed of the delivery of PPP and the continuous
and rapid discovery of different kinds of fraud schemes. Lenders were also not
always clear on how to handle PPP fraud or recover funds obtained fraudulently
from the PPP that remained in the borrower’s account. SBA did not provide
lenders sufficient and specific guidance to effectively identify, track, address,
and resolve potentially fraudulent PPP loans. During our review, SBA
established a Fraud Risk Management Board.
To better mitigate fraud, we recommended SBA establish clearly defined and
detailed roles, responsibilities, and processes and provide lenders formal
guidance for managing and handling potentially fraudulent loans.
SBA management generally agreed with the findings and agreed with both
recommendations. Management plans to document the roles, responsibilities,
and processes for all SBA offices responsible for managing and handling
potentially fraudulent PPP loans. Management also plans to consolidate its
existing guidance to lenders regarding fraud and provide new guidance as
appropriate.
OIG Recommendations
We made two recommendations to SBA to better mitigate fraud.
Status of Recommendations
The target implementation date for both recommendations is September 2022.
Evaluation of SBA’s Contract for Disaster Assistance Loan Recommendation
Services, Report 22-10
We evaluated SBA’s procedures to award a contract for data analysis and loan
recommendation services for EIDL applications and Targeted EIDL Advance
applications related to the pandemic.
7
To increase loan processing capabilities and quickly disburse loans during the
pandemic, SBA used an existing contract awarded to RER Solutions and its
subcontractor Rocket Loans set aside for small businesses. SBA initially set a
contract ceiling of $100 million and then used emergency contracting authority
to increase the contract ceiling to $850 million. This increase was done in a
noncompetitive process to quickly administer the COVID-19 EIDL program.
To quickly award loans during the COVID-19 economic crisis, SBA relied on an
earlier 2018 contract but did not follow the proper procedures to ensure that
contract provided the best value to the government. SBA awarded the contract
without adequately ensuring the prices were fair and reasonable in accordance
with Federal Acquisition Regulation and agency policy.
SBA’s needs had changed significantly from the 2018 disaster loan contract to
the requirements for processing COVID-19 EIDLs, and those changes were not
fully taken into consideration when awarding following contracts. As a result,
there is no assurance that the rates SBA paid for services under the data
analysis and loan recommendation contract were fair and reasonable.
SBA also did not ensure the contractor complied with established size standards
to be eligible for a small business set-aside award. In addition, SBA did not
ensure the contractor complied with subcontracting limitations, exceeding the
limit by $13 million. These set-aside contracts are intended to help small
businesses compete and win government contracts. Instead, the COVID-19
contract was noncompetitively awarded and largely performed by an affiliate of
one of the nation’s largest mortgage lenders.
OIG Recommendations
We made six recommendations to strengthen SBA’s procurement policies and
enhance controls to ensure compliance with SBA’s contracting program
requirements. SBA agreed or partially agreed with all six recommendations.
Status of Recommendations
One recommendation is closed and three recommendations have target
implementation dates of September 2022. We are working with the agency
regarding target implementation dates for the last two recommendations.
SBA’s Paycheck Protection Program Loan Review Processes, Report 22-09
We conducted this evaluation to assess SBA’s processes for reviewing PPP loans
for eligibility and forgiveness.
8
SBA’s online loan forgiveness platform used by lenders to submit forgiveness
requests is adequate to support SBA’s loan review process. However, we found
that for some loans, totaling $66.4 billion, SBA did not meet the 90-day statutory
requirement to remit forgiveness payments to lenders. SBA did not meet the 90-
day requirement for 98.2 percent of loans over $2 million. Not completing
reviews of loans and remitting payment promptly creates uncertainty for
borrowers and PPP lenders who are unsure if SBA will forgive their loans.
We also identified other matters that SBA should address, including how SBA
made changes to allow certain loans to be reviewed for fraud and eligibility after
they have been forgiven. We have concerns about the effects these changes will
have on SBA’s ability to recover funds for forgiven loans later determined to be
ineligible. Outstanding loan forgiveness applications are a potential indicator of
fraud. Borrowers who fraudulently obtained a PPP loan are unlikely to apply for
loan forgiveness. We identified 1.9 million loans totaling $177.3 billion with no
forgiveness application as of May 2021.
OIG Recommendations
We recommended that SBA develop a plan to ensure remaining forgiveness
reviews and remittances are completed within 90 days as required by the
CARES Act. SBA management agreed with the report finding and
recommendation.
Status of Recommendations
The target implementation date was the end of May 2022. This recommendation
has not been closed, but we are working with the agency and anticipate they will
request an extended target date for completion.
COVID-19 EIDL Program Recipients on the Department of Treasury’s Do Not Pay
List, Report 22-06
We produced this management advisory to notify SBA officials of serious
concerns about potential improper payments in SBA’s EIDL program.
Our review of the U.S. Department of Treasury’s analysis of processed COVID-
19 EIDL and emergency EIDL grants from March to November 2020 revealed
that SBA’s lack of adequate pre-award controls during this period of review led
to 75,180 COVID-19 EIDLs, totaling over $3.1 billion, and 117,135 emergency
EIDL grants, totaling over $550 million, being disbursed to potentially ineligible
recipients.
9
Our preliminary review of Treasury’s Do Not Pay analytical summaries
indicated SBA should reassess controls to ensure only eligible recipients
obtained COVID-19 EIDLs and emergency EIDL grants.
A portion of those applications had been identified as potential fraud risks in
previous OIG reports. A significant percentage of COVID-19 EIDLs and
emergency EIDL grants that Treasury found in federal data sources had also
been identified in earlier OIG reports.
SBA’s lack of adequate front-end controls to determine eligibility contributed to
the distribution of COVID-19 EIDLs and emergency EIDL grants to potentially
ineligible recipients.
SBA should take immediate action to limit improper payments by strengthening
existing controls and implementing additional internal controls to address
improper payments, especially through the use of the Do Not Pay portal.
OIG Recommendations
We made three recommendations to SBA to prevent improper payments and
strengthen oversight controls related to the COVID-19 EIDL program.
Status of Recommendations
One recommendation is closed. We are working with the agency to obtain
agreement and a target implementation date for the remaining two.
SBA Emergency EIDL Grants to Sole Proprietors and Independent Contractors,
Report 22-01
We examined Emergency EIDL grants to sole proprietors and independent
contractors from March 29, 2020 until the funds were exhausted 14 weeks later
on July 10. We set out to determine whether the agency complied with its
internal policy that set Emergency EIDL grants at $1,000 per employee up to
the CARES Act mandated maximum amount of $10,000.
Using SBA’s data, we found the agency provided $4.5 billion more in Emergency
EIDL grants to sole proprietors and independent contractors than they were
entitled to receive based on established policy. We determined that 542,897 sole
proprietors, who received a grant of more than $1,000, applied for the
Emergency EIDL grants without an Employer Identification Number (EIN) and
claimed more than one employee on their applications.
10
The absence of an EIN indicates the sole proprietor applicants should have
claimed no employees and were entitled to a maximum of $543 million ($1,000
per applicant). However, SBA approved and disbursed a total of $4 billion in
Emergency EIDL grant funds to these sole proprietors, an over disbursement of
$3.5 billon.
We also found 161,197 independent contractors, who received a grant of more
than $1,000, also applied but did not provide an EIN and claimed more than one
employee on their COVID-19 EIDL application.
Consequently, the independent contractors were entitled to a maximum of $161
million ($1,000 per applicant). However, SBA disbursed $1.1 billion to the
independent contractors, resulting in over disbursement of about $1 billion.
OIG Recommendations
We made one recommendation that SBA remedy $4.5 billion in funds disbursed
in excess of its policy allowance to sole proprietors and independent contractors.
SBA disagreed with the prior Administration’s policy determination, which is
the criteria used to premise our findings. Despite management’s disagreement,
the agency is taking corrective actions to implement our recommendation.
Status of Recommendations
The recommendation has a target implementation date of September 2022.
PANDEMIC RESPONSE ACCOUNTABILITY COMMITTEE
Through the CARES Act, Congress established the PRAC within the Council of the
Inspectors General on Integrity and Efficiency (CIGIE). OIG was designated as a
statutory member of the PRAC, which provides increased oversight capacity to the
pandemic response efforts. I also chair the PRAC’s Audit Subcommittee to provide
strategic audit-related direction to all government review efforts.
The PRAC also plays a key role in supporting OIG’s pandemic oversight efforts. Our
Hotline received thousands of complaints outside of its electronic complaint
submission system. The PRAC identified 10 volunteers to perform a short-term
detail to our Hotline. These volunteers performed data entry to consolidate these
complaints into the case tracking system, where they can be efficiently assessed and
addressed. We are also engaged with the PRAC to bolster our internal data
analytics capabilities, though we have developed over the past year a robust
internal capability to guide and enrich our oversight efforts.
Working with the PRAC, we created an Agile Products Toolkit to help oversight
agencies quickly produce reports addressing the fraud and misuse of taxpayer
11
money resulting from the expedited disbursal of pandemic economic aid funds.
Federal, state, and local oversight agencies use this toolkit as a guide for conducting
quick-response reviews.
FRAUD LANDSCAPE OUTLOOK
SBA has exercised over a trillion dollars in lending authority and entrepreneurial
assistance in the wake of the pandemic. While PPP lending is anticipated to resolve
within the next several years, we will be working for some time to help correct the
systemic weaknesses in SBA programs and operations brought to light by the
unprecedented demand during the crisis. This oversight will require vigilance so
that SBA can efficiently and effectively meet the needs of small businesses.
One area of particular concern is the PPP loans that did not seek forgiveness and
will subsequently default. The program was designed to forgive these loans, so this
possibility raises many questions. When these loans default, SBA must consider
honoring the 100 percent guarantee and seek recourse from the borrowers through
remedies such as the Department of Treasury’s Offset Program. Additionally, SBA’s
disaster assistance lending for the pandemic response, principally through EIDL, is
in the hundreds of billions — an amount exceeding all of SBA’s disaster assistance
lending since 1953 — and will perform in SBA’s portfolio for decades. This will
require continuing oversight by OIG. With 2-year deferment periods in place for
EIDL loans, our concern is that the true scope of the fraud landscape will not be
known until these loans go into repayment. Our office, and others in the pursuit of
justice, must be poised to combat fraud for years to come. It is vital that the statute
of limitations for the fraud in these programs is adjusted to provide time to continue
to root out this fraud. My office is committed to working with Congress to ensure
that it has the information it needs to make legislative decisions toward this end.
CONCLUSION
The pandemic presented a whole-of-government challenge. Fraudsters found
vulnerabilities and coordinated schemes to bypass controls and gain access to funds
meant for eligible small businesses and entrepreneurs adversely affected by the
economic crisis. The nation can depend on OIG to provide independent, objective,
and timely oversight of SBA. Our investigations will root out fraud, waste, and
abuse and will leverage and marshal the resources available across the federal law
enforcement community to bring wrongdoers to justice. Our office will continue to
promote a strong internal control environment within SBA to mitigate the fraud
risk up front. We will relentlessly pursue evidence of wrongdoing and provide
oversight of SBA’s pandemic funds.
12
File and source
- File
- hhrg-117-vc00-wstate-wareh-20220614.pdf
- Size
- 318,184 bytes
- SHA-256
- bd506b0e7b6cef33164470053de711f48e928cac7b07dc374096d83428168eda
- Original
- docs.house.gov