I 

118TH CONGRESS 

2D SESSION H. R. 10115 

To amend the Small Business Act and the Small Business Investment Act 

of 1958 to provide resources, counseling, and access to capital for child 

care providers, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

NOVEMBER 12, 2024 

Mr. LANDSMAN introduced the following bill; which was referred to the 

Committee on Small Business 

A BILL 

To amend the Small Business Act and the Small Business 

Investment Act of 1958 to provide resources, counseling, 

and access to capital for child care providers, and for 

other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Child Care for Small 

5 Businesses Act’’. 


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1 SEC. 2. SMALL BUSINESS LOANS FOR COVERED NON2 PROFIT CHILD CARE PROVIDERS. 

3 (a) IN GENERAL.—Section 3 of the Small Business 

4 Act (15 U.S.C. 632) is amended by adding at the end the 

5 following new subsection: 

6 ‘‘(gg) COVERED NONPROFIT CHILD CARE PRO7 VIDER.—In this Act, the term ‘covered nonprofit child 

8 care provider’ means an organization— 

9 ‘‘(1) that— 

10 ‘‘(A) is in compliance with licensing re11 quirements for child care providers of the State 

12 in which the organization is located; 

13 ‘‘(B) is described in section 501(c)(3) of 

14 the Internal Revenue Code of 1986 and exempt 

15 from tax under section 501(a) of such Code; 

16 ‘‘(C) is primarily engaged in providing 

17 child care for children from birth to compulsory 

18 school age; and 

19 ‘‘(D) is in compliance with applicable in20 dustry-based size standard established under 

21 subsection (a); 

22 ‘‘(2) for which each employee and regular vol23 unteer complies with the criminal background check 

24 requirements under section 658H(b) of the Child 

25 Care and Development Block Grant Act of 1990 (42 

26 U.S.C. 9858f(b)); 


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1 ‘‘(3) that may— 

2 ‘‘(A) provide care for school-age children 

3 outside of school hours or outside of the school 

4 year; or 

5 ‘‘(B) offer preschool or prekindergarten 

6 educational programs; and 

7 ‘‘(4) subject to any exemption under Federal 

8 law applicable to the organization, that certifies to 

9 the Administrator that the organization will not dis10 criminate in any business practice, including pro11 viding services to the public, on the basis of race, 

12 color, religion, sex, sexual orientation, marital sta13 tus, age, disability, or national origin.’’. 

14 (b) ELIGIBILITY OF NONPROFIT CHILD CARE PRO15 VIDERS FOR 7(a) LOANS.—Section 7(a) of the Small Busi16 ness Act (15 U.S.C. 636(a)) is amended by adding at the 

17 end the following new paragraph: 

18 ‘‘(38) COVERED NONPROFIT CHILD CARE PRO19 VIDERS.— 

20 ‘‘(A) IN GENERAL.—The Administrator 

21 may guarantee loans made to a covered non22 profit child care provider under the same terms, 

23 conditions, and processes as a loan made under 

24 this subsection. 


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1 ‘‘(B) LOAN GUARANTEE.—A covered non2 profit child care provider that receives a loan 

3 under this subsection— 

4 ‘‘(i) with respect to a loan greater 

5 than $500,000, shall obtain a guarantee of 

6 timely payment of the loan from another 

7 person; and 

8 ‘‘(ii) with respect to a loan less than 

9 or equal to $500,000, may not be required 

10 to obtain a guarantee of timely payment of 

11 the loan. 

12 ‘‘(C) LIMITATION ON BASIS FOR INELIGI13 BILITY.—The Administrator may not determine 

14 that a covered nonprofit child care provider is 

15 not eligible for a loan under this section on the 

16 basis that the proceeds of such loan will be used 

17 for a religious activity protected under the First 

18 Amendment to the Constitution of the United 

19 States (as determined by a court of competent 

20 jurisdiction). 

21 ‘‘(D) REPORT.—Not later than 1 year 

22 after the date of the enactment of this Act, and 

23 annually thereafter, the Administrator shall 

24 submit to Congress a report that contains— 


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1 ‘‘(i) for the year covered by the re2 port, the number and dollar value of loans 

3 made under this paragraph; and 

4 ‘‘(ii) any other information deter5 mined relevant by the Administrator.’’. 

6 (c) ELIGIBILITY OF NONPROFIT CHILD CARE PRO7 VIDERS FOR 504 FINANCING.—Title V of the Small Busi8 ness Investment Act of 1958 (15 U.S.C. 695 et seq.) is 

9 amended by adding at the end the following new section: 

10 ‘‘SEC. 511. ASSISTANCE FOR COVERED NONPROFIT CHILD 

11 CARE PROVIDERS. 

12 ‘‘(a) IN GENERAL.—The Administrator may provide 

13 financing under this title to a covered nonprofit child care 

14 provider (as defined in section 3(gg) of the Small Business 

15 Act). 

16 ‘‘(b) GUARANTEE.—A covered nonprofit child care 

17 provider that receives financing under this title— 

18 ‘‘(1) with respect to financing in an aggregate 

19 amount greater than $500,000, shall obtain a guar20 antee of timely payment of the loan from another 

21 person; and 

22 ‘‘(2) with respect to financing in an aggregate 

23 amount less than or equal to $500,000, may not be 

24 required to obtain a guarantee of timely payment of 

25 the loan. 


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1 ‘‘(c) LIMITATION ON BASIS FOR INELIGIBILITY.— 

2 The Administrator may not determine that a covered non3 profit child care provider is not eligible for a loan under 

4 this section on the basis that the proceeds of such loan 

5 will be used for a religious activity protected under the 

6 First Amendment to the Constitution of the United States 

7 (as determined by a court of competent jurisdiction). 

8 ‘‘(d) REPORT.—Not later than 1 year after the date 

9 of the enactment of this Act, and annually thereafter, the 

10 Administrator shall submit to Congress a report that con11 tains— 

12 ‘‘(1) for the year covered by the report, the 

13 number and dollar value of financing provided to a 

14 covered nonprofit child care provider under this title; 

15 and 

16 ‘‘(2) any other information determined relevant 

17 by the Administrator.’’. 

18 SEC. 3. ASSISTANCE PROVIDED BY SMALL BUSINESS DE19 VELOPMENT CENTERS. 

20 Section 21(c)(3) of the Small Business Act (15 

21 U.S.C. 648(c)(3)) is amended— 

22 (1) in subparagraph (T), by striking ‘‘; and’’; 

23 (2) in the first subparagraph (U), in clause (v), 

24 by striking the period at the end and inserting a 

25 semicolon; 


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1 (3) by redesignating the second subparagraph 

2 (U) as subparagraph (V); 

3 (4) in subparagraph (V), as so redesignated, in 

4 clause (ii)(II), by striking the period at the end and 

5 inserting ‘‘; and’’; and 

6 (5) by adding at the end the following new sub7 paragraph: 

8 ‘‘(W) providing business assistance to 

9 small business concerns and covered nonprofit 

10 child care providers operating or interested in 

11 operating a child care business, including one12 on-one advising sessions, workshops, or training 

13 cohorts on topics relating to— 

14 ‘‘(i) developing a business, financial, 

15 and marketing plan; 

16 ‘‘(ii) learning operational policies and 

17 procedures; 

18 ‘‘(iii) implementing methods for man19 aging financial statements; 

20 ‘‘(iv) fostering opportunities to expand 

21 the business and increase revenues; and 

22 ‘‘(v) other matters the Administrator 

23 determines appropriate.’’. 


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1 SEC. 4. ASSISTANCE PROVIDED BY WOMEN’S BUSINESS 

2 CENTERS. 

3 Section 29 of the Small Business Act (15 U.S.C. 656) 

4 is amended— 

5 (1) in subsection (b)— 

6 (A) in the matter preceding paragraph (1), 

7 by inserting ‘‘or, to the extent provided in this 

8 subsection, for the benefit of covered nonprofit 

9 child care providers’’ after ‘‘by women’’; 

10 (B) in paragraph (2), by striking ‘‘and’’ at 

11 the end; 

12 (C) in paragraph (3), by striking the pe13 riod at the end and inserting a semicolon; and 

14 (D) by adding at the end the following new 

15 paragraph: 

16 ‘‘(4) with respect to a project for the benefit of 

17 a small business concern or covered nonprofit child 

18 care provider or operating or interested in operating 

19 a child care business, business assistance, including 

20 one-on-one advising sessions, workshops, or training 

21 cohorts on topics relating to— 

22 ‘‘(A) developing a business, financial, and 

23 marketing plan; 

24 ‘‘(B) learning operational policies and pro25 cedures; 


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1 ‘‘(C) implementing methods for managing 

2 financial statements; 

3 ‘‘(D) fostering opportunities to expand the 

4 business and increase revenues; and 

5 ‘‘(E) other matters the Administrator de6 termines appropriate.’’; 

7 (2) in subsection (d), by inserting ‘‘and, to the 

8 extent permitted under subsection (b), to covered 

9 nonprofit child care providers’’ after ‘‘small business 

10 concerns’’; and 

11 (3) in subsection (n)(1), by striking ‘‘or small 

12 business concern’’ each place it appears and insert13 ing ‘‘, small business concern, or covered nonprofit 

14 child care provider’’. 

15 SEC. 5. CHILD CARE RESOURCE GUIDE. 

16 The Small Business Act (15 U.S.C. 631 et seq.) is 

17 amended— 

18 (1) by redesignating section 49 as section 50; 

19 and 

20 (2) by inserting after section 48 the following 

21 new section: 

22 ‘‘SEC. 49. CHILD CARE RESOURCE GUIDE. 

23 ‘‘(a) IN GENERAL.—Not later than 2 years after the 

24 date of the enactment of this section and not less fre25 quently than every 4 years thereafter, the Administrator 


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1 shall publish or update a resource guide for small business 

2 concerns operating or planning to operate as child care 

3 providers. 

4 ‘‘(b) GUIDANCE ON SMALL BUSINESS CONCERN

5 MATTERS.—The resource guide required under subsection 

6 (a) shall include— 

7 ‘‘(1) guidance for such small business concerns 

8 related to business operations of a child care pro9 vider (including marketing and management plan10 ning); 

11 ‘‘(2) references to other Federal programs and 

12 guides, resources, and websites relating to the over13 all quality of child care provider operations, includ14 ing safety measures and training for employees of 

15 such provider; and 

16 ‘‘(3) any other matters the Administrator deter17 mines appropriate. 

18 ‘‘(c) PUBLICATION AND DISSEMINATION RE19 QUIRED.— 

20 ‘‘(1) PUBLICATION.—The Administrator, wom21 en’s business centers (as described under section 

22 29), small business development centers, chapters of 

23 the Service Corps of Retired Executives (established 

24 under section 8(b)(1)(B)), and Veteran Business 

25 Outreach Centers (as described under section 32) 


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1 shall make the resource guide required under sub2 section (a) publicly available on an appropriate 

3 website. 

4 ‘‘(2) DISTRIBUTION.— 

5 ‘‘(A) BY ADMINISTRATOR.—The Adminis6 trator shall distribute the resource guide re7 quired under subsection (a) electronically to of8 fices of the Administration, including district 

9 offices. 

10 ‘‘(B) BY OTHER ENTITIES.—District of11 fices of the Administration, women’s business 

12 centers (as described under section 29), small 

13 business development centers, chapters of the 

14 Service Corps of Retired Executives (established 

15 under section 8(b)(1)(B)), and Veteran Busi16 ness Outreach Centers (as described under sec17 tion 32) shall— 

18 ‘‘(i) distribute the resource guide re19 quired under subsection (a) to small busi20 ness concerns operating or planning to op21 erate as child care providers; and 

22 ‘‘(ii) make available physical copies of 

23 such guide.’’. 


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1 SEC. 6. REPORT ON FOR-PROFIT CHILD CARE PROVIDERS. 

2 (a) IN GENERAL.—Not later than 120 days after the 

3 date of the enactment of this Act, the Administrator of 

4 the Small Business Administration shall submit to Con5 gress a study and report on for-profit child care providers 

6 that includes— 

7 (1) an assessment of the challenges and needs 

8 of such providers; 

9 (2) a description of the resources and support 

10 that the Small Business Administration provides to 

11 such providers; 

12 (3) any deficiencies in the resources and sup13 port described under paragraph (2); and 

14 (4) any recommendations for legislative actions 

15 necessary to address any challenges or needs faced 

16 by such providers that are identified by the report 

17 required in this subsection. 

18 (b) DESIGNATED EMPLOYEE DUTIES.—The Admin19 istrator of the Small Business Administration shall des20 ignate a full-time employee within the Administration as 

21 a point of contact for for-profit child care providers. Such 

22 employee shall— 

23 (1) carry out the study required under sub24 section (a); and 


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1 (2) provide recommendations to the Adminis2 trator on how to better deliver existing resources 

3 and support to for-profit child care providers. 

4 (c) FOR-PROFIT CHILD CARE PROVIDER DE5 FINED.—The term ‘‘for-profit child care provider’’ has the 

6 meaning given the term ‘‘eligible child care provider’’ in 

7 section 658P of the Child Care and Development Block 

8 Grant Act of 1990 (42 U.S.C. 9858n) and is a provider 

9 that operates— 

10 (1) on a for-profit basis; and 

11 (2) in one or more of the several States or the 

12 District of Columbia. 

Æ 


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