Sponsors (4)
The bill improves information and oversight by requiring a GAO study with region-specific SBA metrics and recommendations—potentially guiding future improvements—while offering no immediate operational fixes and imposing modest federal and administrative costs.
Small-business owners in Appalachian and comparable non‑Appalachian areas could get faster access to SBA capital if agencies adopt the GAO’s data-driven recommendations to shorten application-to-disbursement times.
State and local governments and Congress will receive region-specific SBA performance metrics (2021–2024), enabling more targeted oversight and policy to improve service in underserved areas.
Small-business applicants could receive clearer application status information and notifications if SBA implements recommended practices, reducing uncertainty during processing.
Small-business owners are unlikely to see immediate relief because the bill mandates only a study and recommendations, not required operational changes or funding to implement them.
The GAO study and required data compilation will use federal resources and SBA staff time over two years, increasing workload and administrative costs for federal employees and the agency.
Collecting and reporting granular, region-specific metrics could create confidentiality risks and additional administrative burdens for SBA and affected jurisdictions if sensitive records require intensive matching.
Based on analysis of 2 sections of legislative text.
Requires the Comptroller General to study small business loan disbursement (2021–2024) with Appalachian vs. non‑Appalachian comparisons and report recommendations to Congress.
Introduced December 10, 2025 by David J. Taylor · Last progress December 10, 2025
Requires the Comptroller General to conduct a multi-year study of small business loan disbursement processes for 2021–2024 and report findings and recommendations to Congress. The study must compare SBA regions that intersect the Appalachian region by measuring processing times, counts, loan sizes, and dollars per 1,000 for portions inside and outside Appalachia, with an interim briefing due within one year and a final report due within two years of enactment.