The 7(a) Lender exercises due diligence and prudent oversight of Agents, LSPs and other third parties, with written policies and monitoring of loans an Agent referred or helped with (federally regulated lenders also follow their regulator's third-party rules). It tells the Applicant in writing, before any service, that SBA does not require an Agent and it need not pay for unwanted services; uses no Agent or LSP located outside the United States; releases no loan information to a claimed Agent without evidence of authority; pays Agents it engages itself (never passing their charges to the Applicant or paying them from proceeds, including working capital); allows no contingency fees or fees for unnecessary services; lets an Agent be paid by both sides only for packaging (Applicant) plus referral (Lender); and does not refinance a debt owed to an Agent involved in the loan.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.