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There were several potential solutions which are classified by the report, including conducting a "stress test" of individual banks whose portfolios contain a concentration in commercial real estate loans. Due to the sheer volume in number of these small to midsize banks, it will not be feasible to review these banks' records at this kind of detailed level. Another suggestion is that the govt could inject additional capital to the small banks, buying their toxic assets or guaranteeing loans. Based upon the fact that the authorities is recognized as by many taxpayers as spending excessive taxpayers' money already, this may not be a feasible approach. There are also concerns when the government "reuses" reimbursed TARP funds as to whether that is constitutional to take action without additional legislation.

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