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ance under paragraph (9), the Administrator 
may make a grant, in an amount not exceeding 
$100,000, to a small business concern that— 
‘‘(i) is located in an area affected by 
the applicable major disaster; 
‘‘(ii) submits to the Administrator a 
certification by the owner of the concern 
that such owner intends to reestablish the 
concern in the same county in which the 
concern was originally located; 
‘‘(iii) has applied for, and was rejected 
for, a conventional disaster assistance loan 
under this subsection; and 
‘‘(iv) was in existence for at least 2 
years before the date on which the applica-
ble disaster declaration was made. 
‘‘(B) PRIORITY.—In making grants under 
this paragraph, the Administrator shall give 
priority to a small business concern that the 
Administrator determines is economically viable 
but unable to meet short-term financial obliga-
tions. 
‘‘(C) PROGRAM
LEVEL
AND
AUTHORIZA-
TION OF APPROPRIATIONS.— 
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‘‘(i) PROGRAM LEVEL.—The Adminis-
trator is authorized to make $100,000,000 
in grants under this paragraph for each of 
fiscal years 2010 and 2011. 
‘‘(ii) AUTHORIZATION OF APPROPRIA-
TIONS.—There are authorized to be appro-
priated to the Administrator such sums as 
may be necessary to carry out this para-
graph.’’. 
SEC. 806. REGIONAL DISASTER WORKING GROUPS. 
Section 40 of the Small Business Act (15 U.S.C. 
657l) is amended— 
(1) in subsection (a), in the matter preceding 
paragraph (1), by striking ‘‘or’’ and inserting ‘‘and’’; 
(2) by redesignating subsection (d) as sub-
section (e); and 
(3) by inserting after subsection (c) the fol-
lowing: 
‘‘(d) REGIONAL DISASTER WORKING GROUPS.—In 
carrying out the responsibilities pertaining to loan making 
activities under subsection (a), the Administrator, acting 
through the regional administrators of the regional offices 
of the Administration, shall develop a disaster prepared-
ness and response plan for each region of the Administra-
tion. Each such plan shall be developed in cooperation 
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with Federal, State, and local emergency response authori-
ties and representatives of businesses located in the region 
to which such plan applies. Each such plan shall identify 
and include a plan relating to the 3 disasters, natural or 
manmade, most likely to occur in the region to which such 
plan applies.’’. 
SEC. 807. OUTREACH GRANTS FOR LOAN APPLICANT AS-
SISTANCE. 
Section 7(b) of the Small Business Act (15 U.S.C. 
636(b)), as amended by this Act, is further amended by 
inserting after paragraph (10) the following: 
‘‘(11) OUTREACH
GRANTS
FOR
LOAN
APPLI-
CANT ASSISTANCE.— 
‘‘(A) IN GENERAL.—From amounts made 
available for administrative expenses relating to 
activities under this subsection, the Adminis-
trator is authorized to make grants to the fol-
lowing: 
‘‘(i) A women’s business center in an 
area affected by a disaster. 
‘‘(ii) A small business development 
center in an area affected by a disaster. 
‘‘(iii) A Veteran Business Outreach 
Center in an area affected by a disaster. 
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‘‘(iv) A chamber of commerce in an 
area affected by a disaster. 
‘‘(B) USE OF GRANT.—An entity specified 
under subparagraph (A) shall use a grant re-
ceived under this paragraph to provide applica-
tion preparation assistance to applicants for a 
loan under this subsection. 
‘‘(C) PROGRAM
LEVEL.—The Adminis-
trator is authorized to make $50,000,000 in 
grants under this paragraph for each of fiscal 
years 2010 and 2011.’’. 
SEC. 808. HOMEOWNERS IMPACTED BY TOXIC DRYWALL. 
Section 7(b) of the Small Business Act (15 U.S.C. 
636(b)), as amended by this Act, is further amended by 
inserting after paragraph (11) the following: 
‘‘(12) HOMEOWNERS
IMPACTED
BY
TOXIC 
DRYWALL.—The Administrator may make a loan 
under this subsection to any homeowner if the pri-
mary residence of such homeowner has been ad-
versely impacted by the installation of toxic drywall 
manufactured in China. A loan under this paragraph 
may be used only for the repair or replacement of 
such toxic drywall.’’. 
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SEC. 809. AUTHORIZATION OF APPROPRIATIONS. 
Section 20 of the Small Business Act (15 U.S.C. 631 
note), as amended by this Act, is further amended— 
(1) by redesignating subsection (j) as sub-
section (k); and 
(2) by inserting after subsection (i) the fol-
lowing: 
‘‘(j) FISCAL YEARS 2010 AND 2011 WITH RESPECT 
TO SECTION 7(b).—There is authorized to be appropriated 
such sums as may be necessary for administrative ex-
penses and loans under section 7(b).’’. 
TITLE IX—REGULATIONS 
SEC. 901. REGULATIONS. 
Except as otherwise provided in this Act or in amend-
ments made by this Act, after an opportunity for notice 
and comment, but not later than 180 days after the date 
of the enactment of this Act, the Administrator shall issue 
regulations to carry out this Act and the amendments 
made by this Act. 
TITLE 
X—TEMPORARY 
EM-
PLOYEE 
SERVICES 
FRAN-
CHISES 
SEC. 1001. TEMPORARY EMPLOYEE SERVICES FRANCHISES. 
In determining whether a franchisee is affiliated with 
a franchiser in the temporary employee services industry 
for the purposes of Small Business Administration lending 
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programs, the Administrator of the Small Business Ad-
ministration shall— 
(1) continue to apply its historically-considered 
affiliation factors in determining whether a business 
is affiliated with another business or the franchiser 
in the temporary staffing industry; 
(2) promulgate such other rules and regulations 
as necessary to determine affiliation within the tem-
porary employee services industry as the Adminis-
trator determines consistent with the Small Business 
Act; and 
(3) consider the processing of payroll and bill-
ing by a franchiser as customary and common prac-
tice in the temporary employee services industry that 
does not provide probative weight on affiliation, to 
the extent that the temporary staffing personnel are 
interviewed, hired, trained, assigned, and subject to 
discharge by the franchisee. 
TITLE XI—STUDY ON PRIVATE 
SECTOR LENDING 
SEC. 1101. STUDY ON PRIVATE SECTOR LENDING. 
(a) IN GENERAL.—Not later than 90 days after the 
date of the enactment of this Act, the Administrator of 
the Small Business Administration shall submit to the 
Committee on Small Business of the House of Representa-
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tives and the Committee on Small Business and Entrepre-
neurship of the Senate a report that describes lending to 
small business concerns by the private sector, including 
the following: 
(1) The total amount of lending to small busi-
ness concerns by private sector financial institutions 
during each of fiscal years 2006 through 2009. 
(2) The total amount of lending to small busi-
ness concerns by the 10 largest private sector finan-
cial institutions (as determined by the Administrator 
in terms of amounts lent during fiscal year 2006) 
during each of fiscal years 2006 through 2009. 
(b) COORDINATION.—The Administrator of the Small 
Business Administration shall, if necessary, coordinate 
with the heads of other Federal departments and agencies 
to complete the report under subsection (a). 
(c) SMALL BUSINESS CONCERNS DEFINED.—In this 
section, the term ‘‘small business concern’’ has the mean-
ing given such term under section 3(a) of the Small Busi-
ness Act (15 U.S.C. 632(a)). 
TITLE XII—STUDY ON 
INCREASES IN CERTAIN CAPS 
SEC. 1201. STUDY ON INCREASES IN CERTAIN CAPS. 
Not later than 90 days after the date of enactment 
of this Act, the Administrator of the Small Business Ad-
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ministration shall submit to Congress a report that de-
scribes the anticipated effects of the following potential 
changes to programs, including whether such changes ade-
quately meet the financing needs of small businesses: 
(1) Increasing— 
(A) the maximum amount of a loan that 
may be guaranteed under section 7(a) of the 
Small Business Act (15 U.S.C. 636(a)) to 
$3,000,000; and 
(B) participation by the Administrator 
with regard to such a loan. 
(2) Increasing— 
(A) the maximum amount of a debenture 
that may be guaranteed under title V of the 
Small Business Investment Act of 1958 (15 
U.S.C. 695 et seq.); and 
(B) the maximum amount of a loan that 
may be made with the proceeds of such deben-
ture. 
(3) Increasing the maximum amount of a 
microloan that may be made under section 7(m) of 
the Small Business Act (15 U.S.C. 636(m)). 
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TITLE XIII—RURAL OUTREACH 
SEC. 1301. RURAL OUTREACH. 
The Small Business Act (15 U.S.C. 631 et seq.), as 
amended by this Act, is further amended— 
(1) by redesignating section 46 as section 47; 
and 
(2) by inserting after section 45 the following: 
‘‘SEC. 46. RURAL OUTREACH. 
‘‘The Administrator shall ensure that each district of-
fice of the Administration that includes a rural area— 
‘‘(1) establishes a plan to provide small busi-
ness concerns in rural areas with information on the 
financing and investment programs of the Adminis-
tration of use to such concerns; 
‘‘(2) designates an employee of the office as a 
rural business financing outreach specialist, who is 
responsible for providing advice concerning the lend-
ing and investment programs of the Administration 
to small business concerns; and 
‘‘(3) hosts at least one outreach seminar in a 
rural area each year to provide information de-
scribed under paragraph (1) to small business con-
cerns in rural areas.’’. 
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TITLE XIV—STUDY RELATING TO 
MEDICAL TECHNOLOGY 
SEC. 1401. STUDY RELATING TO MEDICAL TECHNOLOGY. 
Not later than one year after the date of the enact-
ment of this Act, the Administrator of the Small Business 
Administration shall submit to Congress a report describ-
ing recommendations for and the feasibility of a pro-
gram— 
(1) to increase investment in the research, de-
velopment, and commercialization of medical tech-
nology by small business concerns; and 
(2) that is administered in a manner similar to 
the program under part C of title III of the Small 
Business Investment Act of 1958 (15 U.S.C. 690 et 
seq.). 
TITLE 
XV—STUDY 
ON 
ADDI-
TIONAL CREDIT RISK FAC-
TORS 
SEC. 1501. STUDY ON ADDITIONAL CREDIT RISK FACTORS. 
(a) IN GENERAL.—With respect to loans made under 
programs established or amended under this Act, the Ad-
ministrator of the Small Business Administration shall 
conduct a study on whether the failure of such loans to 
achieve one or more of the public policy goals specified 
in subsection (b) negatively impacts the ability of busi-
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nesses receiving such loans to make timely repayment of 
such loans. 
(b) PUBLIC POLICY GOALS.—The public policy goals 
referred to in subsection (a) are the provision of adequate 
access to capital to assist small business concerns with one 
or more of the following: 
(1) Offsetting the costs to such concerns result-
ing from the imposition of a surtax on the income 
of small business owners. 
(2) Offsetting the costs to such concerns result-
ing from the enactment of a requirement that such 
concerns offer health care of a minimum acceptable 
coverage level. 
(3) Offsetting the costs to such concerns result-
ing from an increase in the marginal tax rates of 
small business owners. 
(4) Offsetting the reduction in capital available 
for such concerns resulting from an increase in the 
tax on capital gains. 
(5) Offsetting the reduction in capital available 
for such concerns resulting from an increase in the 
taxes on carried interest. 
(6) Offsetting the increased energy costs for 
such concerns resulting from the enactment of a cap 
on carbon dioxide emissions. 
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(7) Offsetting the increased costs to such con-
cerns resulting from a change in Federal law that 
allows unions to be organized through a card check 
process. 
(8) Offsetting the reduction in capital available 
for such concerns resulting from new regulations on 
financial products. 
(9) Offsetting the increased costs to such con-
cerns resulting from the imposition of net neutrality 
rules on the Internet. 
(c) USE OF STUDY.—Not later than 180 days after 
the date of the enactment of this Act, the Administrator 
of the Small Business Administration shall submit to Con-
gress a report on the results of the study conducted under 
subsection (a) and shall use such results to evaluate and 
adjust, as appropriate, the potential credit risk to the Gov-
ernment through the provision of loans under programs 
established or amended under this Act. 
Passed the House of Representatives October 29, 
2009. 
Attest: 
LORRAINE C. MILLER, 
Clerk. 
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