; (B) the term intermediary means any entity engaged in aggregating loans originated by low- and moderate-income community financial institutions; and (C) the term Program means the Neighborhood Loan Program established under paragraph (2). (2) Establishment The Secretary, in conjunction with the Board of Governors of the Federal Reserve System, shall establish a Neighborhood Loan Program to create facilities under section 13(3) of the Federal Reserve Act ( 12 U.S.C. 343(3) ) to provide liquidity and encourage equity equivalent capital investments for low- and moderate-income community financial institutions serving low- and moderate-income and minority communities. (3) Minimization of burden Any guidance, regulations, frequently asked question, or other written or verbal communications provided by the Secretary or the Board of Governors of the Federal Reserve System in connection with the Program shall be designed to minimize any burden to the relevant low- and moderate-income community financial institution and to ensure that the Program is actively utilized by the low- and moderate-income community financial institution for which the Program is being created. (4) Small business community loan participations (A) In general The facilities created under paragraph (2) shall purchase 90 percent of the balance of eligible small business loans described in subparagraph (B), either directly from low- and moderate-income community financial institutions, or from intermediaries, to increase access to credit and build wealth in low- and moderate-income and minority communities. (B) Criteria for eligible small business loans An eligible small business loan described in this subparagraph shall have— (i) a maximum loan balance of $250,000; (ii) reasonable loan origination and service fees