program, and policies prior to submission to the Secretary. (2) In developing guidelines under this section, the Secretary shall consult with coastal States, other Federal agencies, and other interested stakeholders with expertise in working waterfront planning. (3) Coastal States may allocate amounts loaned under this section to local governments, agencies, or nongovernmental organizations eligible for loans under this section. (4) In awarding a loan for activities in a coastal State, the Secretary shall consider— (A) the economic and cultural significance of working waterfront to the coastal State