Disrupted private-sector lending to individuals and small businesses. D uring the shutdown, banks and other lenders could not access government income and Social Security Number verification services. Two weeks into the shutdown, the Internal Revenue Service (IRS) had an inventory of 1.2 million verification requests that could not be processed, potentially delaying approval of mortgages and other loans.

Hindered trade by putting import and export licenses and applications on hold. For example, because the Treasury Department’s Alcohol and Tobacco Tax and Trade Bureau was unable to issue export certificates for beer, wine, and distilled spirits, more than two million liters of U.S. products were left sitting at ports unable to ship.

Halted permitting and environmental and other reviews, delaying job-creating transportation and energy projects. For example, the Bureau of Land Management (BLM) was unable to process about 200 Applications for Permit to Drill, delaying energy development on Federal lands in North Dakota, Wyoming, Utah, and other states.

Halted Federal loans to small businesses, homeowners, and housing and health care facility developers. The Small Business Administration (SBA) was unable to process about 700 applications for $140 million in small business loans, and the Federal Housing Administration (FHA) was unable to process over 500 applications for loans to develop, rehabilitate, or refinance around 80,000 multifamily rental units.

Stalled weekly progress in reducing the backlog of veterans’ disability claims, which was previously being reduced at a rate of almost 20,000 claims per week.

Delayed almost $4 billion in tax refunds and … the start of the 2014 tax filing season by up to two weeks.

Prevented the timely and complete investigation of 59 airplane accidents by the National Transportation Safety Board (NTSB).

Delayed workshops for 1,400 military service members to help them transition to civilian life and employment.