I 
116TH CONGRESS 
2D SESSION 
H. R. 6344 
To modify the economic injury disaster loan of the Small Business 
Administration in response to COVID–19, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 23, 2020 
Mr. EVANS introduced the following bill; which was referred to the Committee 
on Small Business 
A BILL 
To modify the economic injury disaster loan of the Small 
Business Administration in response to COVID–19, 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 ‘‘Expediting the EIDL 
Program Act of 2020’’. 
SEC. 2. ECONOMIC INJURY DISASTER LOANS. 
(a) TERMS.—With respect to a loan made under sec-
tion 7(b)(2) of the Small Business Act (15 U.S.C. 
636(b)(2)) in response to COVID–19, the Administrator 
of the Small Business Administration— 
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(1) may make such a loan to a start-up small 
business concern; 
(2) may waive any rules related to affiliation; 
and 
(3) shall, with respect to such a loan made to 
a cooperative, waive any requirement that the bor-
rower of such loan provide a personal guarantee to 
repay such loan. 
(b) PRELIMINARY AMOUNTS.— 
(1) IN
GENERAL.—An applicant for a loan 
under section 7(b)(2) of the Small Business Act (15 
U.S.C. 636(b)(2)) in response to COVID–19 may re-
quest that the Administrator provide an advance in 
the amount requested by such applicant (not to ex-
ceed $10,000) to such applicant within 3 days after 
the Administrator receives an application from such 
applicant. 
(2) VERIFICATION.—Before disbursing amounts 
under this subsection, the Administrator shall verify 
that the applicant is a small business concern (as 
defined under section 3 of such Act (15 U.S.C. 
632)). 
(3) REPAYMENT.—An applicant that is subse-
quently denied a loan under such section 7(b)(2) 
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shall not be required to repay any amounts of an ad-
vance provided under this subsection. 
(c) APPROVAL AND ABILITY TO REPAY FOR SMALL 
DOLLAR LOANS.—With respect to a loan made under sec-
tion 7(b)(2) of the Small Business Act (15 U.S.C. 
636(b)(2)) in response to COVID–19 that does not exceed 
$350,000, the Administrator— 
(1) may approve an applicant based solely on 
the credit score of the applicant and shall not re-
quire an applicant to submit a tax return or a tax 
return transcript for such approval; or 
(2) use alternative appropriate methods to de-
termine an applicant’s ability to repay. 
(d) EMERGENCIES INVOLVING FEDERAL PRIMARY 
RESPONSIBILITY QUALIFYING FOR SMALL BUSINESS AD-
MINISTRATION
ASSISTANCE.—Section 7(b)(2) of the 
Small Business Act (15 U.S.C. 636(b)(2)) is amended— 
(1) in subparagraph (A), by striking ‘‘or’’ at 
the end; 
(2) in subparagraph (B), by striking ‘‘or’’ at 
the end; 
(3) in subparagraph (C), by striking ‘‘or’’ at 
the end; 
(4) by redesignating subparagraph (D) as sub-
paragraph (E); 
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(5) by inserting after subparagraph (C) the fol-
lowing: 
‘‘(D) an emergency involving Federal pri-
mary responsibility determined to exist by the 
President under section 501(b) of the Robert T. 
Stafford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5191(b)); or’’; 
(6) in subparagraph (E), as so redesignated— 
(A) by striking ‘‘or (C)’’ and inserting 
‘‘(C), or (D)’’; 
(B) by striking ‘‘disaster declaration’’ each 
place it appears and inserting ‘‘disaster or 
emergency declaration’’; 
(C) by striking ‘‘disaster has occurred’’ 
and inserting ‘‘disaster or emergency has oc-
curred’’; 
(D) by striking ‘‘such disaster’’ and insert-
ing ‘‘such disaster or emergency’’; and 
(E) by striking ‘‘disaster stricken’’ and in-
serting ‘‘disaster- or emergency-stricken’’; and 
(7) in the flush matter following subparagraph 
(E) (as so redesignated), by striking the period at 
the end and inserting the following: ‘‘: Provided fur-
ther, That for purposes of subparagraph (D), the 
Administrator shall deem that such an emergency 
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affects each State or subdivision thereof (including 
counties), and that each State or subdivision has 
sufficient economic damage to small business con-
cerns to qualify for assistance under this paragraph 
and the Administrator shall accept applications for 
such assistance immediately.’’ 
(e) CREDIT
ELSEWHERE
REQUIREMENTS.—The 
flush matter following subparagraph (E) (as so redesig-
nated) of section 7(b)(2) of the Small Business Act (15 
U.S.C. 636(b)(2)) is amended by striking ‘‘That no loan 
or guarantee’’ and all that follows through ‘‘credit else-
where.’’ and inserting the following: ‘‘The interest rate on 
a loan or guarantee made under this paragraph shall be 
not more than 2 percent, if the Administrator determines 
the applicant is not able to obtain credit elsewhere, or not 
more than 4 percent, if the Administrator determines the 
applicant is able to obtain credit elsewhere.’’. 
(f) ELIGIBILITY.—Section 7(b)(2) of the Small Busi-
ness Act is amended by striking ‘‘small agricultural coop-
erative’’ and inserting ‘‘small cooperative’’. 
(g) ADDITIONAL AMOUNTS.— 
(1) IN
GENERAL.—The Administrator of the 
Small Business Administration may increase by 20 
percent the amount received by an eligible small 
business concern under section 7(b)(2) of the Small 
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Business Act (15 U.S.C. 636(b)(2)) to cover con-
tinuity-of-operations and risk mitigation improve-
ments, including telework capability, offsite record 
keeping, redundancy, the administrative costs of es-
tablishing paid sick leave, and presenteeism preven-
tion. 
(2) DEFINITION.—In this section, the term ‘‘el-
igible small business concern’’ means a small busi-
ness concern that— 
(A) meets the applicable size standard es-
tablished under section 3 of the Small Business 
Act (15 U.S.C. 632); and 
(B) is receiving assistance under section 
7(b)(2) of the Small Business Act (15 U.S.C. 
636(b)(2)) related to COVID–19. 
(h) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Administrator to 
carry out the loan program under section 7(b)(2) of the 
Small Business Act (15 U.S.C. 636(b)(2))— 
(1) $177,000,000 for administration costs; and 
(2) $1,000,000,000 to provide loans or other 
assistance. 
Æ 
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