Common use of Expected Results Clause in Contracts

Expected Results. The matching program ensures that benefits provided to disaster survivors by DHS/FEMA and SBA are not duplicated. By way of the DHS/FEMA disaster registration identification (ID) number, DHS/FEMA and SBA are able to identify the applications received from mutual DHS/FEMA and SBA disaster survivors. By the nature of the sequence of delivery, as outlined in FEMA Regulation, 44 C.F.R. Section 206.191, survivors that register with FEMA for possible disaster assistance and meet SBA’s minimum income requirements are automatically referred to SBA for possible loan assistance to homeowners and renters. The Agreement helps to identify instances where the same disaster survivor has submitted applications to both FEMA and SBA, which could result in a duplication of benefits (DOB). Since FY 20181 the use of the Agreement has identified 390,494 instances where the same disaster survivor submitted applications to both agencies, a yearly average of 78,099. These loans were valued at $4,118,940,623, a yearly average of $823,788,124.60. Once the computer match identifies a potential DOB, SBA staff manually review the files to determine whether a DOB exists and the amount of the DOB. In FY 2022 and 2023, SBA declined 466 loans due to recoveries from other sources. The verified loss amount for these declined loans totaled more than $40.7 million, an average of $87,389.88 per loan application declined due to other recoveries. Prior to the use of this computer match, SBA loan officers used stand-alone PCs to access FEMA's system, National Emergency Management Information System- Individual Assistance (NEMIS-IA). Without the computer matching Agreement, SBA staff performed a manual checking process to avoid a duplication of benefits. This duplication of benefits check procedure took approximately 12 minutes per loan application and was performed on all loan applications, not just the approved loans. In FY23, a total of 45,418 loan applications were received. Assuming the next three years (the number of years covered by this CMA) are the same, a total of 136,254 applications are estimated to be received. With each of these applications requiring 12 minutes of effort, a total of 1.6M minutes of reviews would be required to be expended. Assuming the average loan specialist earns $37.87,2 which equates to $0.63 per minute, this CMA will save $1.008M.

Expected Results. The matching program ensures is to ensure that benefits provided to disaster survivors by DHS/FEMA and SBA are not duplicated. By way of the DHS/FEMA disaster registration identification (ID) number, DHS/FEMA and SBA are able to identify the applications received from mutual DHS/FEMA and SBA disaster survivors. By the nature of the sequence of delivery, as outlined in FEMA Regulation, 44 C.F.R. CFR Section 206.191, survivors that register with FEMA for possible disaster assistance and meet SBA’s minimum income requirements are automatically referred to SBA for possible loan assistance to homeowners and renters. The Agreement helps to identify instances where the same disaster survivor has submitted applications to both FEMA and SBA, which could result in a duplication of benefits (DOB)benefits. Since FY 20181 20151 the use of the Agreement has identified 390,494 166,234 instances where the same disaster survivor submitted applications to both agencies, a yearly average of 78,09983,117. These Over that same time period, SBA approved 62,258 loans were valued at to home owners and renters totaling more than $4,118,940,623, 4 billion. This is a yearly average of 31,129 loan files identified with a potential duplication of benefits, with an average loan amount of $823,788,124.6064,819. Once the computer match identifies a potential DOBduplication of benefits, SBA staff manually review the files to determine whether a DOB exists and the amount of the DOBduplication of benefits. In FY 2022 2016 and 20232017, SBA declined 466 376 loans due to recoveries from other sources. The verified loss amount for these declined loans totaled more than $40.7 23.3 million, an average of $87,389.88 62,042 per loan application declined due to other recoveries. Prior to the use of this computer match, SBA loan officers used stand-alone PCs to access FEMA's ’s system, National Emergency Management Information System- System-Individual Assistance (NEMIS-IA). Without the computer matching Agreement, SBA staff performed a manual checking process to avoid a duplication of benefits. This duplication of benefits check procedure took approximately 10-12 minutes per loan application and 1 The SBA data period is from October 1, 2015 through December 31, 2017. was performed on all loan applications, not just the approved loans. In FY23, a total of 45,418 loan applications were received. Assuming the next three years (the number of years covered by this CMA) are the same, a total of 136,254 applications are estimated to be received. With each of these applications requiring 12 minutes of effort, a total of 1.6M minutes of reviews would be required to be expended. Assuming the average loan specialist earns $37.87,2 which equates to $0.63 per minute, this CMA The matching program between SBA and FEMA will save the federal government nearly $1.008M.2.5 million.2