(CNN)Lawmakers responsible for passing a $2.2 trillion stimulus bill in a matter of days are now looking back with some buyer's remorse, fearful that some of the programs they launched haven't yet met their potential or have unleashed unintended consequences that could become a liability in the next election with each party already pointing the finger at colleagues across the aisle.

       The overwhelmingly bipartisan stimulus legislation passed the Senate 96 to 0 last month and was negotiated at a time when the country's economy was in freefall. But, in the weeks since, senators and aides that were critical in negotiating the package say there are things they wish they would have done differently, some of which could become fodder for political attacks in the next weeks and months.

       "It was a very quick compromise," Sen. Chris Coons, a Democrat from Delaware, told CNN. "It went from back of the envelope to 880 pages of text in a week."

       Chief among concerns has been the rollout of the Small Business Administration's Paycheck Protection Program, which has left mounting questions about whether Congress should have been more explicit about who qualified for the program. Reports of large chain restaurants like Shake Shack and Ruth's Chris receiving the loans (only to return them later) have left a stain over the program.

       Reports that lenders were giving preferential treatment to some customers over others led Small Business Chairman Marco Rubio, a Florida Republican senator, to threaten to use his subpoena power to investigate. And, on the lending side, banks and credit unions have been sounding the alarm for weeks that SBA's technology hasn't been able to handle the volume of new loans going out the door.

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       "I don't know that we really thought about some of the things that have happened," one Republican aide who worked on negotiations told CNN. "We should have, but when you are panicking about the world collapsing around you, it's easy to not to see things until you see them in retrospect."

       But, when lawmakers increased the amount of funding for the SBA earlier this month, they didn't make any substantial changes to the program other than creating a separate $60 billion fund to ensure smaller institutions could reach underserved communities.

       Still, lawmakers say they knew that approving such a massive program so quickly would have plenty of hiccups.

       "As I always tell people, there are two circumstances when you make some of your biggest mistakes: when you are emotional and when you are in a hurry," said Rep. Steve Womack, a Republican from Arkansas. "We were not the beneficiaries of time on this because we needed to do something quickly. We were all emotionally impacted because it was affecting everybody. "

       Lawmakers in both chambers say they will be able to address the issues that have arisen in the next relief package -- although that bill is proving a partisan minefield already.

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       "We needed to get the money out quickly, we didn't want to have a lot of bureaucracy to stop the money from going out," said Maryland Sen. Ben Cardin, the top Democrat on the Small Business Committee. "Were there abuses? I'm certain there were. Could we have done better job? Maybe, but we didn't want to slow down the money and cause more harm than good."

       The Paycheck Protection Program is not the only program bogged down in unintended consequences. The increase in unemployment insurance benefits has largely been managed by the states with varying success rates depending on where a worker is living. In some states, the additional $600 Congress mandated through July have begun going out. In other states, the payments have been delayed as some have struggled to get on unemployment rolls.

       President Donald Trump seized on the discrepancies Monday, blaming Democrats.

       "Blame the Democrats for any 'lateness' in your Enhanced Unemployment Insurance. I wanted the money to be paid directly, they insisted it be paid by states for distribution. I told them this would happen, especially with many states which have old computers," Trump wrote on Twitter.

       The more than $150 billion in state and local money agreed to has also had an uneven impact with some mayors and governors arguing that federal mandates that the money be used only for costs related to managing coronavirus, and not revenue shortfalls, mean some places -- where budgets are strained -- may not be able to use money they were granted.

       "We should have allowed them total flexibility. I know there are states and local governments who cannot really use that money we sent them," said Virginia Democratic Rep. Gerry Connolly, a member of the House Oversight Committee.

       For some of the programs, the unintended consequences are still to come. The Federal Reserve has yet to set up the $500 billion Main Street Lending Program intended to give money to larger businesses affected by coronavirus. The program is expected to draw more ire as lawmakers and the public scrutinize the worthiness of larger companies that receive financial help from the feds. The congressional legislation left Treasury largely in the driver's seat to establish the rules for the funding, something Democrats are already seizing on.

       Democrats say that the most important thing now for Congress is to be able to properly oversee the programs to identify abuses and fixes in future legislation.

       "This was a start-up program. We knew we were going to have problems, we had to get money out quickly, and I'm glad we were able to do that. But we have to evaluate," Cardin said. "Those who abused the system have to be held accountable."

       But there are concerns about whether the administration will be forthcoming, with numerous oversight bodies ramping up to keep tabs on the spending as well as the administration response to the outbreak itself.

       Rep. Madeleine Dean, a Pennsylvania Democrat on the Financial Services Committee, said the panel held a conference call last week with Treasury Secretary Steve Mnuchin, in which lawmakers pressed Mnuchin to disclose who has been able to access relief funds. While the law requires Mnuchin to disclose who receives funding under the Main Street Lending program, it does not for the Payment Protection Program. But the stories about businesses like Ruth's Chris Steakhouse, Shake Shack and the Los Angeles Lakers receiving loans under the small business program have amplified the demands for transparency.

       "While he said he and his team would get back to us, I didn't feel a confidence that we would know who was prioritized and who might have been left behind," Dean said. "You saw the initial ambition of the Treasury secretary was to do no reporting to Congress for six months. That's the style and failure of transparency that has been the hallmark of the administration. We're doing everything in our power to push back against that."

       Lawmakers say there are numerous tweaks that can be made to existing programs in addition to considering new ones. They range from addressing medium-sized businesses that don't fit neatly into PPP or the larger Treasury Department lending program to potentially extending the certification timeline for small businesses given that many have yet to reopen.

       There are also already calls for additional funding for small businesses, unemployment and more, even after a second round of funding was approved last week.

       "At the end of the day, we're going to find out we need to replenish it again," said Rep. Harley Rouda, a California Democrat. "Obviously we underfunded it the first time. In my opinion, we've underfunded it again, and we'll have to replenish it again."

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