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119-hr-6600119th Congress

Main Street Lending Improvement Act of 2025

Sponsored By: Representative Taylor, David J. [R-OH-2]

Introduced

Summary

Creates a comprehensive study of small business loan disbursement by directing the Comptroller General to analyze loans made from 2021–2024 in regions that include Appalachia and recommend fixes to speed access and improve transparency.

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  • Small businesses in covered regions would get year-by-year measures for 2021–2024, including average time from application to disbursement and average and median loan amounts.
  • Federal regional offices that include any part of Appalachia would be examined for lender throughput and internal process bottlenecks to identify procedural changes that could reduce delays.
  • The Comptroller General would provide an interim briefing within one year and a final report within two years containing recommendations to increase accessibility, shorten application-to-disbursement time, and improve applicant communication about status and needed information.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & CoSponsors

Sponsor

Taylor, David J. [R-OH-2]

OH • R

Cosponsors

  • Rep. Finstad, Brad [R-MN-1]

    MN • R

    Sponsored 12/10/2025

  • Rep. Balderson, Troy [R-OH-12]

    OH • R

    Sponsored 1/27/2026

  • Rep. Rulli, Michael A. [R-OH-6]

    OH • R

    Sponsored 2/23/2026

Roll Call Votes

No roll call votes available for this bill.

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