; and (B) intermediaries (including those operated for profit, operated as nonprofit organizations, and affiliated with a United States institution of higher learning (as defined in section 3452 of title 38, United States Code) that are so eligible and that do not participate in the microloan program. (2) The reasons why intermediaries described in paragraph (1)(B) choose not to participate in the microloan program. (3) Recommendations on how to encourage increased participation in the microloan program by intermediaries described in paragraph (1)(B). (4) Recommendations for increasing the number of intermediaries located in the territories of the United States or in economically distressed areas (as defined in section 7(m)(11)(D) of the Small Business Act ( 15 U.S.C. 636(m)(11)(D) ) that are eligible for participation in the microloan program under section 7(m) of such Act. (5) Recommendations on how to decrease the costs associated with participation in the microloan program for eligible intermediaries. 102. Fee reductions (a) Administrative provisions for the Small Business Administration (1) Definition In this subsection, the term covered business loan means a loan— (A) of not more than $2,000,000; (B) that is guaranteed by the Administrator under section 7(a) of the Small Business Act ( 15 U.S.C. 636(a) ); (C) for which the application is approved on or after the date of enactment of this Act; and (D) that is made to a Puerto Rico business. (2) Fees During the period beginning on the date of enactment of this Act and ending on the Oversight Board termination date, and to the extent that the cost of such elimination or reduction of fees is offset by appropriations, with respect to each covered business loan, the Administrator shall— (A) in lieu of the fee otherwise applicable under section 7(a)(23)(A) of the Small Business Act, collect no fee or reduce fees to the maximum extent possible