... issued and held by the authority, as the checksthen become vulnerable to theft. Also, the check was for $40,000 and,based on the authority’s claims, was held for about a month. The authority also ... copy of the checklist to each loan file, most of the checklistswere either blank or incomplete. Merely including the checklist in eachof the loan files does not mitigate the problem. The department ... may contribute to the highrate of loan delinquency, the department’s internal handling of loanscontributes significantly to the problem. The department acknowledgedthat the immediate follow...