A Republican bill with 3 Republican cosponsors · See all 3 cosponsors
Last activity — Referred to the House Committee on Small Business.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The Main Street Lending Improvement Act of 2025 directs the Comptroller General of the United States to conduct a study regarding the disbursement process for certain small business loans. This study focuses on data from January 1, 2021, through December 31, 2024, specifically looking at covered regions that include parts of the Appalachian region. The Comptroller General is tasked with analyzing loan application lengths, approval numbers, and dollar amounts. Following the study, an interim progress briefing must be provided to Congress within one year. A final report containing the study's results must be submitted to Congress within two years. This report is required to include recommendations for improving the loan process.
Yes· 3 of 7
- Scored +5
Would business owners be better off under this?
The study aims to reduce inefficiencies and increase the speed of fund disbursement for small business concerns.
- Scored +5
Does this make it easier to run a small business?
The bill directs a study specifically designed to increase loan accessibility, speed up funding, and improve communication for small businesses.
- Scored +3
Would people in rural areas be better off under this?
The study specifically includes data and recommendations for the Appalachian region, which is largely rural.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Accessibility: The report must include recommendations intended to increase the accessibility of small business loans (Section 2(c)(2)(B)(i)).
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Faster Funding: The study aims to find ways to decrease the average length of time it takes from submitting a loan application to when the funds are actually disbursed (Section 2(c)(2)(B)(ii)).
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Better Communication: The bill calls for recommendations to increase the availability of information for applicants, such as application status, whether more information is needed, and estimated timelines for disbursement (Section 2(c)(2)(B)(iii)).
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Reduced Government Inefficiency: The study seeks to identify internal agency mechanisms and processes that can be changed to reduce government inefficiencies in processing small business loan applications (Section 2(c)(2)(B)(iv)).
Potential Negative Impacts for People
- No specific negative impacts are mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — The study aims to reduce inefficiencies and increase the speed of fund disbursement for small business concerns. Would people in rural areas be better off under this? — The study specifically includes data and recommendations for the Appalachian region, which is largely rural. Would white Americans be better off under this? — The bill includes a focus on the Appalachian region, which includes many demographics including white populations.
- Economy And Finance
- Does this make it easier to run a small business? — The bill directs a study specifically designed to increase loan accessibility, speed up funding, and improve communication for small businesses. Is this likely to grow the economy? — By improving the disbursement process for small business loans, the bill seeks to support economic activity. Is this likely to create jobs? — The study aims to improve the efficiency and accessibility of small business loans which may support job creation.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill requires recommendations to increase the availability of information regarding loan application status and timelines.
- 2/23/2026
- 1 Cosponsor added.
- 1/27/2026
- 1 Cosponsor added.
- 12/10/2025
- Referred to the House Committee on Small Business.
- 1 Cosponsor added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Troy BaldersonRepublican · Ohio
Brad FinstadRepublican · Minnesota
Michael RulliRepublican · Ohio