( 15 U.S.C. 636(a)(36) ) and is approved by the Administrator and the Secretary may make and approve covered loans. (2) Additional lenders The authority to make covered loans shall be extended to additional lenders determined by the Administrator and the Secretary to have the necessary qualifications to process, close, disburse, and service loans made with the guarantee of the Administration. (3) Lenders serving underserved borrowers In approving lenders to make covered loans, the Administrator and the Secretary shall give priority to lenders that are community development financial institutions with lower lending volumes, minority depository institutions, mission-based nonprofit lenders, nonbank lenders, and other financial institutions that disproportionately serve underserved borrowers. (4) Resale of loans A lender of a covered loan may sell the covered loan to a third party. (5) Sale of participation in covered loans A lender of a covered loan may sell a participation in the covered loan to a non-authorized lender in an amount that is not more than 85 percent of the covered loan. (6) Agent disclosure In order to be eligible to obtain a fee, any agent shall be disclosed to the lender and the Administrator at the time of application for a covered loan. (7) Capital and liquidity requirements Until December 31, 2021, the amount of a covered loan made by a lender shall be disregarded by Federal regulators for the purpose of calculating regulatory capital and liquidity requirements. (f) Borrower requirements (1) Certification An eligible recipient applying for a covered loan shall submit a good faith certification that the eligible recipient suffered a decline in gross receipts of not less than 25 percent— (A) during an 8-week period during the period beginning on February 1, 2020, and ending on July 31, 2020, relative to— (i) an 8-week period during the period beginning on January 1, 2020, and ending on March 31, 2020