I 
119TH CONGRESS 
1ST SESSION H. R. 6600 
To direct the Comptroller General of the United States to conduct a study 
on the disbursement process for certain small business loans, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 10, 2025 
Mr. TAYLOR (for himself and Mr. FINSTAD) introduced the following bill; 
which was referred to the Committee on Small Business 
A BILL 
To direct the Comptroller General of the United States to 
conduct a study on the disbursement process for certain 
small business loans, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Main Street Lending 
Improvement Act of 2025’’. 
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SEC. 2. DISBURSEMENT PROCESS FOR CERTAIN SMALL 
BUSINESS LOANS. 
(a) STUDY.—The Comptroller General of the United 
States shall conduct a study on the disbursement process 
for small business loans. 
(b) CONTENTS.— 
(1) IN
GENERAL.—In conducting the study 
under subsection (a), the Comptroller General shall 
determine for each year during the period beginning 
on January 1, 2021, and ending on December 31, 
2024, for each covered region, the measures de-
scribed in paragraph (2). 
(2) MEASURES DESCRIBED.—The measures de-
scribed in this paragraph with respect to a covered 
region are, for each of the portion of such covered 
region that is part of the Appalachian region and 
the portion of such covered region that is not part 
of the Appalachian region— 
(A) the average length of time— 
(i) between the submission of an ap-
plication for a small business loan by a 
small business concern for which the prin-
cipal place of business is located in such 
portion and when funds are disbursed with 
respect to such application; and 
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(ii) to complete each step of the appli-
cation and disbursement process for small 
business loans for small business concerns 
for which the principal place of business is 
located in such portion; 
(B) the number that is equal to the prod-
uct of the number of small business loans dis-
bursed to small business concerns for which the 
principal place of business is located in such 
portion divided by the total number of small 
business concerns for which the principal place 
of business is located in such portion and 1000; 
(C) the number that is equal to the prod-
uct of the number of small business loans ap-
proved for small business concerns for which 
the principal place of business is located in such 
portion divided by the total number of small 
business concerns for which the principal place 
of business is located in such portion and 1000; 
(D) the average and median dollar amount 
of small business loans disbursed to small busi-
ness concerns for which the principal place of 
business is located in such portion; and 
(E) the number that is equal to the prod-
uct of the aggregate dollar amount of all small 
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business loans disbursed to small business con-
cerns for which the principal place of business 
is located in such portion divided by the total 
number of small business concerns for which 
the principal place of business is located in such 
portion and 1000. 
(c) BRIEFING AND REPORT.— 
(1) INTERIM
BRIEFING.—Not later than one 
year after the date of the enactment of this Act, the 
Comptroller General shall provide to Congress a 
briefing on the progress of the study required by 
subsection (a). 
(2) REPORT.— 
(A) IN
GENERAL.—Not later than two 
years after the date of enactment of this Act, 
the Comptroller General shall submit to Con-
gress a report containing the results of the 
study required by subsection (a). 
(B) RECOMMENDATIONS.—The report re-
quired by subparagraph (A) shall include rec-
ommendations of the Comptroller General for 
changes to the small business loan disburse-
ment process to— 
(i) increase accessibility of small busi-
ness loans; 
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(ii) decrease the average length of 
time from when an application for a small 
business loan is submitted to when funds 
are disbursed with respect to such applica-
tion; 
(iii) increase the availability of infor-
mation to an applicant for a small business 
loan regarding the status of the application 
of such applicant, including if any addi-
tional information is needed from the ap-
plicant to continue processing the applica-
tion of such applicant and an estimate of 
the length of time until the funds with re-
spect to such application will be disbursed; 
and 
(iv) identify mechanisms and proc-
esses internal to the agencies involved in 
making small business loans that can be 
changed to reduce inefficiencies of the Gov-
ernment with respect to the processing of 
applications for small business loan. 
(d) DEFINITIONS.—In this section: 
(1) COVERED REGION.—The term ‘‘covered re-
gion’’ means a region of the Administration that in-
cludes any part of the Appalachian region. 
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(2) APPALACHIAN REGION.—The term ‘‘Appa-
lachian region’’ has the meaning given such term by 
section 14102(a)(1) of title 40, United States Code. 
(3) REGION
OF
THE
ADMINISTRATION.—The 
term ‘‘region of the Administration’’ has the mean-
ing given such term in section 3 of the Small Busi-
ness Act (15 U.S.C. 632). 
(4) SMALL
BUSINESS
CONCERN.—The term 
‘‘small business concern’’ has the meaning given 
such term under section 3(a) of the Small Business 
Act (15 U.S.C. 632(a)). 
(5) SMALL BUSINESS LOAN.—The term ‘‘small 
business loan’’ means a loan made under title V of 
the Small Business Investment Act of 1958 (15 
U.S.C. 695 et seq.), section 7(a) of the Small Busi-
ness Act (15 U.S.C. 636(a)), or section 7(m) of the 
Small Business Act (15 U.S.C. 636(m)), except that 
such term excludes any loan made under a program 
established in response to the COVID–19 pandemic. 
Æ 
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