Congress orders audit of small-business loan delays, eyes Appalachia
H.R. 6600 — Main Street Lending Improvement Act of 2025 · Filed by David Taylor (R-OH) · 3 cosponsors · Introduced Dec 10, 2025 · Referred to committee
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What it does
This bill directs the Government Accountability Office (GAO) to study how quickly small business loans are disbursed across different regions, with special attention to Appalachia, between 2021 and 2024. The GAO will measure approval rates, disbursement times, loan amounts, and identify bottlenecks in the federal loan process, then recommend ways to speed up lending and improve transparency for applicants.
Why we flagged it
The bill is a straightforward investigative mandate — it orders a federal audit of loan disbursement processes with no direct regulatory change, appropriation, or carve-out. It is procedural and fact-finding in nature.
What the text implies
- Study results may expose systemic delays in SBA lending that could pressure agencies to reallocate staff or resources, potentially affecting other SBA programs.
- Appalachian focus may highlight regional disparities in loan access, creating political pressure for targeted lending initiatives or subsidies in future legislation.
The full analysis lists 3 implications of this text.
Who stands to gain
small business lenders (banks, credit unions, fintech platforms); regional and community banks with SBA lending portfolios