FEMA Tweaks Disaster Loan Applications, Inviting Comments on the Paperwork
Published Date: 10/21/2026
Notice
Summary
FEMA is updating the application process for the Community Disaster Loan program, which helps local governments get loans after disasters hurt their budgets. They want your feedback by November 20, 2026, before finalizing the changes. This update keeps the loan program running smoothly and ensures communities get the support they need quickly.
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Possible cancellation of loan repayment
FEMA may cancel repayment of all or part of a Community Disaster Loan if it determines that a local government's revenues during the three fiscal years following the disaster are insufficient to meet its operating budget because of disaster-related revenue losses and unreimbursed disaster-related operating expenses. This provides a route to reduce or remove repayment obligations for impacted local governments under those conditions.
Real-time loan draws replace projected schedule
FEMA is removing the speculative projected disbursement schedule (Part III of the Promissory Note) and will require a real-time assessment of actual financial need each time a loan draw is requested. This change is intended to ensure funds are borrowed only when current revenues cannot meet operating obligations and to prevent local governments from incurring unnecessary interest expenses.
Estimated application burden and costs disclosed
FEMA estimates 260 respondents and 260 responses for the CDL application, with 552 total annual burden hours and an estimated total annual respondent cost of $29,990; the estimated total annual cost to the Federal Government is $80,961. The collection lists the associated FEMA forms (FEMA Form-104-FY-22-223 through -227).
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Key Dates
Department and Agencies
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