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" ... Aside from the appointment of an official to oversee the process of moving funds into states, municipalities, companies and projects, three actions will increase the velocity and effectiveness of investment: (1) unclear guidance has created significant problems because people simply don’t know if they are authorized to use funds, or if they will be pilloried by the federal government for the use of funds - and this is a special class of pillorying that everyone wants to avoid; (2) many of the eligibility requirements, like an investment grade credit rating, are artificial barriers to businesses that have not been in the market, and the same holds for the most needy municipalities; and (3) the sunset provisions - ten year payback, and the idea that the process needs to be started thirty days prior to December 31, 2020, may have made sense in March, but no longer make sense in light of the length of the crisis. Rapid adoption of the approach embodied in Section 801 of the recently adopted H.R. 6800 would be critically helpful. ... "