SBA Form 1081: Help Us Vet Lenders Better
Published Date: 12/10/2025
Notice
Summary
The Small Business Administration (SBA) wants your thoughts on a form they use to check if certain lenders are trustworthy and qualified. This affects Certified Development Companies, Non-Bank Lenders, and Microlenders who fill out SBA Form 1081. You’ve got until February 9, 2026, to share your comments—no money changes yet, just a chance to help make the process smoother and clearer!
Analyzed Economic Effects
1 provisions identified: 0 benefits, 1 costs, 0 mixed.
Lenders Must Complete SBA Form 1081
If you are a Certified Development Company, Non-Bank Lender, Small Business Lending Company, or Microlender, you may need to complete SBA Form 1081 so the SBA can determine that your management and ownership are of “good character” and assess key personnel qualifications. The agency estimates 150 total annual responses and a total annual hour burden of 76 hours, and it has invited public comments through February 9, 2026.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2025-02741, HUBZone Program Updates and Clarifications, and Clarifications to Other Small Business Programs; Correction
The SBA fixed some small but important mistakes in its recent HUBZone and small business program rules to make things clearer and fairer. These corrections affect small businesses using HUBZone and other SBA programs, especially around size protests and financial reporting. The fixes take effect on February 18, 2025, helping businesses avoid confusion and unnecessary paperwork.
2026-20080, Interest Rates
The Small Business Administration set the Optional Peg Rate at 5.00% for October to December 2026, which affects SBA direct and guaranteed fluctuating interest rate loans. Third Party Lenders funding 504 projects must keep their commercial loan rates within legal limits, capped at 6% above the New York Prime rate or state law limits. These changes help small businesses plan their loan costs for the upcoming quarter.
2026-19941, Presidential Declaration Amendment of a Major Disaster for Public Assistance Only for the State of Indiana
The President has updated the disaster declaration for Indiana after severe storms, tornadoes, and flooding in August 2026. This change adds more counties to the list eligible for public assistance, helping more communities get support. If you’re affected, you can apply for disaster loans by October 25, 2026, for physical damage, or by May 25, 2027, for economic injury.
2026-19942, Presidential Declaration Amendment of a Major Disaster for Public Assistance Only for the State of Texas
Texas is getting extra help after severe storms, tornadoes, and flooding hit from July 12 to August 4, 2026. The government added four more counties to the disaster assistance list, so more communities can apply for aid. If you’re affected, you have until November 2, 2026, to apply for physical damage loans and until June 1, 2027, for economic injury loans.
2026-19943, Presidential Declaration Amendment of a Major Disaster for the State of Indiana
Indiana’s disaster declaration just got bigger! Three more counties—Cass, Pike, and Putnam—can now apply for physical and economic disaster loans, while five nearby counties get access to economic injury loans. If you’re affected, act fast: physical loan applications close October 25, 2026, and economic injury loans are open until May 25, 2027.
2026-19851, Administrative Declaration of a Disaster for the State of NEW YORK
New York got hit by big storms and flooding from July 28-29, 2026, and now the government says it’s an official disaster. People and businesses in certain counties can apply for low-interest loans to fix damage or cover lost income. You’ve got until November 23, 2026, for physical damage loans and June 24, 2027, for economic injury loans—so don’t wait!
Previous / Next Documents
Previous: 2025-22453, Combined Notice of Filings #1
The Federal Energy Regulatory Commission got a bunch of new electric rate filings from companies like Pacific Gas and Electric, Hardin Solar, and Aron Energy. These filings include updates to rates and new projects that could affect electricity costs starting as soon as December 2025 and into 2026. If you’re involved in energy or just curious, you’ve got until December 26, 2025, to share your thoughts before changes kick in.
Next: 2025-22455, Agency Information Collection
The Department of Energy is asking small businesses and startups to share info for a new study on how DOE funding helped them from 2008 to 2024. They want your feedback by January 9, 2026, to make sure the questions are clear and not too much work. This study will help DOE improve future support and funding for small businesses.