Congress carves out free small-business loans for law enforcement officers
H.R. 10328 — Badge-to-Business Act · Filed by Robert Bresnahan (R-PA) · 3 cosponsors · Introduced Sep 10, 2026 · Referred to committee
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What it does
This bill amends the Small Business Act to waive the guarantee fee that the Small Business Administration normally charges on express loans, but only for retired or current law enforcement officers with at least 10 years of service who are not under investigation for misconduct. The waiver applies to loans made on or after January 1, 2027, unless the cost to the SBA exceeds zero in a given fiscal year, in which case the Administrator may reinstate the fee.
Why we flagged it
The bill's operative mechanism is a targeted fee waiver for a single occupational group—law enforcement officers—rather than a broad small-business lending reform. It functions as a subsidy to that group, not a general improvement to the express-loan program.
What the text implies
- The fee waiver reduces SBA revenue, which may be offset by higher fees on other borrowers or reduced lending capacity, effectively shifting costs to non-law-enforcement small-business borrowers.
- The 10-year service requirement and misconduct-clearance standard create a narrow eligibility pool, concentrating the benefit on a small fraction of the small-business population.
The full analysis lists 4 implications of this text.
Who stands to gain
retired law enforcement officers seeking small-business loans; current law enforcement officers seeking small-business loans