; (v) the Department of the Treasury; (vi) the Board of Governors of the Federal Reserve System; and (vii) any other Federal or State agency, or public or private sector organization, that the Secretary determines appropriate; (B) with respect to the formation of new United States businesses, consider the impact of— (i) demographic changes caused by an aging workforce and slowing population growth; (ii) increased industry concentration and whether such concentration may make it more difficult for new market entrants to compete with established companies; (iii) increased risk-aversion following the financial crisis and recession that occurred in 2008 and 2009 and deterioration of household balance sheets; (iv) difficulties relating to access to capital, particularly difficulties encountered by underserved populations, women, and members of minority groups; (v) the concentration of venture capital in only a few cities; (vi) record levels of student debt; (vii) inefficiencies or other difficulties relating to the commercialization of federally funded research and innovation; (viii) regulatory burden, overlap, complexity, and uncertainty at the Federal and State levels; (ix) aspects of the Internal Revenue Code of 1986 that penalize, obstruct, or otherwise disadvantage new businesses, or investors in new businesses, relative to incumbent businesses, or investors in incumbent businesses, respectively; (x) foreign-born entrepreneurs and the impact of those entrepreneurs on job creation; and (xi) any other factor that the Secretary determines appropriate; and (C) consult with— (i) the heads of any agencies and offices of the Federal Government that the Secretary determines appropriate, including— (I) the Secretary of the Treasury; (II) the Secretary of Labor; (III) the Administrator of the Small Business Administration; (IV) the Chief Counsel of the Office of Advocacy of the Small Business Administration; and (V) the Board of Governors of the Federal Reserve System