# 119-s-3417: Main Street Lending Improvement Act of 2025

119-s-3417, Main Street Lending Improvement Act of 2025, is a 119th Congress bill sponsored by Sen. Justice, James C. [R-WV] (R-WV); status introduced; PRIA reads it as touching household money (as of 2026-09-10).

- Canonical: https://policyrisk.com/legislation/119-s-3417
- As of: 2026-09-10
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3417
- Congress: 119
- Title: Main Street Lending Improvement Act of 2025
- Status: introduced
- Introduced: 2025-12-10
- Sponsor: Sen. Justice, James C. [R-WV] (R-WV)
- Cosponsors: 0
- Policy area: Commerce
- Touches household money: yes
- Last recorded action: 2026-09-10

## Summary

**This bill would require the Comptroller General (the Government Accountability Office) to study and recommend fixes to how federal small business loans are disbursed, with an emphasis on speeding access and improving transparency.** - Small businesses would see a targeted push for faster funding and clearer status updates. The study must recommend ways to shorten application-to-disbursement times and improve applicant communications. - Appalachian communities would get separate, comparable data. The GAO would report loan counts, approval rates, average and median loan sizes, and processing times for parts of each covered region that are inside and outside the Appalachian region. - Federal lenders and agencies would face an accountability timeline. The Comptroller General must provide an interim briefing within 1 year and a full report within 2 years that identifies internal process changes to reduce inefficiencies and offers recommendations to increase loan accessibility.

## Provisions PRIA read

- Study to speed small business loans: benefit, low. This bill would require the Comptroller General to study how certain small business loans were disbursed from Jan 1, 2021 through Dec 31, 2024. It would cover SBA title V loans and loans under sections 7(a) and 7(m), but would exclude loans made under COVID-19 response programs. For each SBA region…

## Related bills

- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-4952: Protecting American Taxpayers Act
- 119-s-4378: Protecting American Taxpayers Act
- 119-s-5117: Senior Chatbot Protection Act of 2026
- 119-s-3659: SECURE Minerals Act of 2026
- 119-s-1748: Kids Online Safety Act

## Sources
- [119-s-3417 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3417)

## Related
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-4952: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4952)
- [119-s-4378: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4378)
- [119-s-5117: Senior Chatbot Protection Act of 2026](https://policyrisk.com/legislation/119-s-5117)
- [119-s-3659: SECURE Minerals Act of 2026](https://policyrisk.com/legislation/119-s-3659)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3417 (as of 2026-09-10).