; (B) the Board of Governors of the Federal Reserve System; (C) the Bureau of Consumer Financial Protection; (D) the Office of the Comptroller of the Currency; (E) the Commodity Futures Trading Commission; (F) the Federal Deposit Insurance Corporation; (G) the Federal Housing Finance Agency; (H) the National Credit Union Administration; and (I) the Securities and Exchange Commission. (5) Small business concern The term small business concern has the meaning given such term under section 3 of the Small Business Act. (6) Substantially affected The term substantially affected by COVID–19 means, with respect to a small business concern or depository institution, an experience of any of the following as the result of Federal, State, or local government action taken to reduce the impact of COVID–19: (A) Supply chain disruptions, including changes in— (i) quantity and lead time, including the number of shipments of components and delays in shipments; (ii) quality, including shortages in supply for quality control reasons; and (iii) technology, including a compromised payment network. (B) Staffing challenges. (C) Decrease in sales or customers. (D) Shuttered businesses. (E) Negative effects on revenue, earnings, income, debt, or equity. (F) Any additional negative effect identified by any Federal financial regulator.