At the start of McDowell's second term in 1883, the R.C.A.'s charter was revised to allow loans of up to NA£1000. Grand Council Minority Leader Scott Ruggles of the People's Coalition criticized the operation of the R.C.A., claiming that its loans were being directed at McDowell's campaign contributors. Ruggles proposed that instead of lending larger amounts, the R.C.A. ought to increase the total amount available for loans, and ease requirements, in order to aid marginal producers. These changes were presumably implemented by Ezra Gallivan during his Governor-Generalship in the 1890s.
Sobel's source for the establishment of the Rural Credit Association is Abner LeFevre's The Age of Renewal: The First McDowell Administration (New York, 1968).