; (B) an evaluation of the effectiveness of those credit models in reducing barriers to access to capital to underserved and rural communities; and (C) recommendations as to whether improvements can be made by Administration in its use of alternative credit models to prevent waste, fraud, and abuse and to improve access to capital to underserved and rural communities; (2) an audit of the operations, staffing, and resources of the Office of Credit Risk Management of the Administration, including the efforts of the Office to implement the new oversight provisions under the amendments made by this title; and (3) a survey of the practices of lenders under section 7(a) of the Small Business Act ( 15 U.S.C. 636(a) ) relating to the use of criminal history when determining whether to approve a loan under that section or a similarly sized commercial loan that is not guaranteed by the Administration.