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On their own, none of these 277 policies will fully solve any of the interlinked crises we now face. But they can go a significant way toward immediate harm reduction. Some can even solve long-standing problems, simply by enforcing or fully implementing laws already on the books.

Trump’s SBA not only failed to support businesses struggling the most in the midst of the pandemic, but it failed to fulfill its purpose as defined by Congress. When it first created the agency, Congress specifically outlined the SBA’s obligation to support entrepreneurs from socially disadvantaged groups, who faced (and continue to face) limited access to credit, lower credit scores, a lack of relationships with financial institutions and lower levels of personal wealth.