# 119-hr-1991: Producer and Agricultural Credit Enhancement Act of 2025

119-hr-1991, Producer and Agricultural Credit Enhancement Act of 2025, is a 119th Congress bill sponsored by Rep. Finstad, Brad [R-MN-1] (R-MN); status in_committee; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1991
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1991
- Congress: 119
- Title: Producer and Agricultural Credit Enhancement Act of 2025
- Status: in_committee
- Introduced: 2025-03-10
- Sponsor: Rep. Finstad, Brad [R-MN-1] (R-MN)
- Cosponsors: 18
- Policy area: Agriculture and Food
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Expands credit access for farmers and ranchers by raising loan caps and adding new refinancing and microloan options.** This bill would boost the Farm Service Agency's tools to help producers buy land, run operations, and restructure troubled debt.

## Cosponsors (18)

- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-03-10T00:00:00.000Z
- Rep. Gray, Adam [D-CA-13] (D-CA), 2025-09-03T00:00:00.000Z
- Rep. McGuire, John J. [R-VA-5] (R-VA), 2025-09-15T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-09-16T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-10-10T00:00:00.000Z
- Rep. Taylor, David J. [R-OH-2] (R-OH), 2025-10-28T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-10-31T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2025-11-04T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2025-11-04T00:00:00.000Z
- Rep. Baird, James R. [R-IN-4] (R-IN), 2025-11-10T00:00:00.000Z
- Rep. Mrvan, Frank J. [D-IN-1] (D-IN), 2025-11-19T00:00:00.000Z
- Rescom. Hernández, Pablo Jose [D-PR-At Large] (D-PR), 2025-11-20T00:00:00.000Z
- Rep. Schmidt, Derek [R-KS-2] (R-KS), 2025-11-20T00:00:00.000Z
- Rep. Rouzer, David [R-NC-7] (R-NC), 2025-11-25T00:00:00.000Z
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI), 2025-12-16T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2026-01-07T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2026-01-27T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2026-01-30T00:00:00.000Z

## Provisions PRIA read

- Higher caps for USDA farm loans: benefit, high. This bill would raise Farm Service Agency (FSA) loan limits. Direct farm ownership loans would rise to $850,000. Guaranteed ownership loans would rise to $3.5 million. Direct operating loans would rise to $750,000, and guaranteed operating loans to $3 million. These ownership and operating increase…
- Refinance distressed USDA-guaranteed farm loans: benefit, medium. This bill would require USDA to write rules within one year to let some distressed FSA‑guaranteed loans be refinanced into FSA direct loans. Borrowers would need a distressed loan, have tried and failed to work with their lender, and have a reasonable chance to succeed. Any new direct loan would st…
- New index for USDA loan caps: mixed, medium. This bill would change how FSA adjusts farm loan caps for inflation. Instead of the Prices Paid index, it would use three equal measures: per‑acre farm real estate, cropland, and pasture values from USDA’s statistics service. This could make future cap changes faster or slower than today. The chang…

## Related bills

- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-2102: Major Richard Star Act
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act

## Sources
- [119-hr-1991 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1991)

## Related
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1991 (as of 2026-04-21).