By Representative TJ Cox Since this crisis began, I have heard from dozens of small businesses, farms and, in particular, minority borrowers who have been shut out of federal economic stimulus funds. As one constituent put it, "My tax dollars are as green as Ruth's Chris', this is just not fair." Unfair is right. I recently argued on the House floor about the outrageous fact that 45 percent of the Paycheck Protection Program's $349 billion of funds went to just 4 percent of borrowers -- all big businesses.A key tool for our economic recovery, the PPP provides forgivable loans of up to $10 million for small businesses to cover payroll, rent, utility and other costs. Unfortunately, bigger businesses quickly vacuumed up all the initial funds. In response, last week, I led a letter to the director of the Small Business Administration, imploring changes to the PPP program to facilitate the participation of smaller financial institutions, community banks, credit unions and Community Development Financial Institutions (CDFIs). These community lenders make up 27 percent of our financial institutions. They are the primary conduit for loans to the smallest businesses and minority-owned businesses in economically distressed rural and urban communities across America. Over the last week, Democrats in the House made it clear to the Senate that we wouldn't agree to any replenishment of the PPP program unless the funds would be equitably distributed to all small businesses and communities across the nation. Increasing community lender participation in the PPP was critical, since many small businesses are built on loans from these institutions. For example, last year, CDFIs made nearly 800,000 loans or investments in rural and underserved communities totaling more than $21.5 billion, with an average size loan or investment of about $28,000. In contrast, the average size of all PPP loans to date is approximately $200,000 -- almost seven times larger. Community banks and credit unions are the strongest partners for small businesses in their communities. In fact, credit unions and community banks with less than $10 billion in assets provide more than half of the total small business loans made annually by depository institutions. Collectively, these community lenders will ensure that the PPP loans reach the truly small businesses that desperately need help.Last Thursday, we passed our fourth emergency funding package, providing urgently needed dollars and resources to sustain the fight to protect the lives and livelihoods of the American people. I'm proud to say we flipped the Senate's legislation from an insufficient plan that did nothing to aid the survival of the most vulnerable small businesses -- and one that left hospitals and health workers behind -- into an agreement that follows the path set by the first bipartisan CARES Act: For small businesses: We strengthened the PPP program with $310 billion in additional funding; with $30 billion reserved for small banks and $30 billion for medium-sized banks. We also secured another $60 billion for additional SBA disaster lending and grants. Notably, we ensured that our nation's farmers have access to this vital assistance For hospitals and health care workers: Democrats secured $75 billion to provide resources to the frontlines, including supplies of critically needed personal protective equipment For all Americans: we secured $25 billion for testing, which is the key to reopening the economy and resuming our lives. Included in this legislation was a provision I pushed for that supports accurate testing data for low-income and rural areas. Regrettably, the administration refused to agree to more funding for state, tribal and local governments who desperately need money to pay the workers who keep us safe. Our lives and well-being are threatened if our health care, police, fire, EMS, teachers and other vital workers don't have the support they deserve. The president, though, has acknowledged their need and agreed to consider this as a priority in future legislation. We will hold the administration accountable to this promise. In the meantime, my colleagues and I will continue to work relentlessly and in a bipartisan way to put families and workers first and protect our nation's health, economic security and well-being. By working together, we'll eradicate this virus and then begin to rebuild our economy in a way that truly reflects the greatness of our nation.