; or (B) in the case of a determination that under paragraph (6) the Secretary is deemed to have made, the 5-year period beginning on the first date the Secretary is deemed to have made the determination. (10) The Secretary may withdraw a determination of compliance under this section only if the Secretary determines that, because of unforeseen changed circumstances, the continuation of the use to which the determination applies would preclude conservation measures essential to the survival of any endangered species or threatened species. Such a withdrawal shall take effect 5 days after the date the requestor receives from the Secretary, by certified mail, notice of the withdrawal. . 6. Habitat Conservation Planning Loan Program Section 10(a) ( 16 U.S.C. 1539(a) ) is amended by adding at the end the following: (3) Habitat Conservation Planning Loan Program (A) Establishment There is established a Habitat Conservation Planning Loan Program (referred to in this paragraph as the Program ) under which the Secretary may make no-interest loans to assist in the development of a conservation plan under this section. (B) Eligibility Any State, county, municipality, or other political subdivision of a State shall be eligible to receive a loan under the Program. (C) Loan limits The amount of any loan may not exceed the total financial contribution of the other parties participating in the development of the plan. (D) Criteria In determining whether to make a loan, the Secretary shall consider— (i) the number of species covered by the plan; (ii) the extent to which there is a commitment to participate in the planning process from a diversity of interests (including local governmental, business, environmental, and property owner interests); (iii) the likely benefits of the plan