# 119-s-899: Producer and Agricultural Credit Enhancement Act of 2025

119-s-899, Producer and Agricultural Credit Enhancement Act of 2025, is a 119th Congress bill sponsored by Sen. Hoeven, John [R-ND] (R-ND); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-899
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-899
- Congress: 119
- Title: Producer and Agricultural Credit Enhancement Act of 2025
- Status: introduced
- Introduced: 2025-03-06
- Sponsor: Sen. Hoeven, John [R-ND] (R-ND)
- Cosponsors: 2
- Policy area: Agriculture and Food
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Expand and modernize credit access for farmers and ranchers.** This bill would raise major loan caps, shift inflation adjustments to land values, expand small-dollar lending, and let some guaranteed loans be refinanced into direct Farm Service Agency loans. - Farmers and owners: Raises farm ownership loan limits to $850,000 for non‑guaranteed loans and $3.0 million for guaranteed loans, effective beginning in fiscal year 2025. - Small and beginning producers: Increases operating loan ceilings including guaranteed loans up to $2.6 million and raises the microloan cap to $100,000 to improve access to smaller loans. - Program and rule changes: Replaces the prior inflation index with a three-part per‑acre U.S. land value measure, recalibrates the down payment loan threshold, and directs the FSA to issue rules to refinance certain distressed guaranteed loans into direct loans when a reasonable chance of success exists.

## Cosponsors (2)

- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-03-06T00:00:00.000Z
- Sen. Slotkin, Elissa [D-MI] (D-MI), 2025-05-08T00:00:00.000Z

## Provisions PRIA read

- Higher FSA loan limits for farms: benefit, high. If enacted, eligible farmers and ranchers could borrow more from the Farm Service Agency (FSA). Direct farm ownership loans could increase to $850,000 and guaranteed ownership loans to $3,000,000 beginning in fiscal year 2025. Direct operating loans could rise to $750,000 and guaranteed operating l…
- Refinance some guaranteed loans: benefit, medium. If enacted, the Secretary would have to write rules within one year to let some FSA‑guaranteed loans be refinanced into FSA direct loans. Refinancing would be allowed only for distressed loans after a borrower tried and failed to work with the lender and when the Secretary finds a reasonable chance…
- Change to FSA inflation measure: mixed, medium. If enacted, the bill would change how the FSA calculates annual inflation adjustments for certain loan limits. It would base the adjustment on three per‑acre land values (farm real estate, cropland, pasture), weighted equally, using prior‑year NASS data. This could make future loan‑limit adjustment…
- Clarify FSA down payment test: mixed, low. If enacted, the bill would clarify that the 45% test for the FSA Down Payment Loan Program is subject to section 305(a) (the statute's loan limits). It would also remove one subparagraph and make small punctuation edits. This may change who qualifies for down payment loans in some cases.

## Related bills

- 119-s-1748: Kids Online Safety Act
- 119-s-3257: John A. Hauser Mental Health in Aviation Act
- 119-s-3940: Access to Fair Financing for Opportunity and Resilient Development Act
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-4429: Connected Vehicle Security Act of 2026
- 119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025

## Sources
- [119-s-899 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/899)

## Related
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-3257: John A. Hauser Mental Health in Aviation Act](https://policyrisk.com/legislation/119-s-3257)
- [119-s-3940: Access to Fair Financing for Opportunity and Resilient Development Act](https://policyrisk.com/legislation/119-s-3940)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-4429: Connected Vehicle Security Act of 2026](https://policyrisk.com/legislation/119-s-4429)
- [119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-s-1816)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-899 (as of 2025-12-21).