I 
113TH CONGRESS 
2D SESSION 
H. R. 4652 
To increase lending to small businesses. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 9, 2014 
Mr. TIERNEY (for himself, Mr. CICILLINE, Ms. DELAURO, Mr. LARSEN of 
Washington, Mr. LOEBSACK, Mr. MCGOVERN, Ms. NORTON, Mr. RAN-
GEL, Mr. SARBANES, Ms. SCHAKOWSKY, Mr. TONKO, Ms. TSONGAS, Mr. 
CAPUANO, 
Mr. 
PAYNE, 
Mr. 
CA´RDENAS, 
Mr. 
COURTNEY, 
Ms. 
DUCKWORTH, Mr. HASTINGS
of Florida, Mr. LOWENTHAL, Mr. 
MICHAUD, Mr. OWENS, Mr. POCAN, Ms. SHEA-PORTER, and Mr. LEWIS) 
introduced the following bill; which was referred to the Committee on 
Small Business 
A BILL 
To increase lending to small businesses. 
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 ‘‘Increasing Small Busi-
ness Lending Act’’. 
SEC. 2. FEE REDUCTIONS. 
(a) ADMINISTRATIVE PROVISIONS SMALL BUSINESS 
ADMINISTRATION.—Until September 30, 2015, and to the 
extent that the cost of such elimination or reduction of 
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fees is offset by appropriations, with respect to each loan 
guaranteed under section 7(a) of the Small Business Act 
(15 U.S.C. 636(a)) and section 3 of this Act, for which 
the application is approved on or after the date of enact-
ment of this Act, the Administrator shall— 
(1) in lieu of the fee otherwise applicable under 
section 7(a)(23)(A) of the Small Business Act (15 
U.S.C. 636(a)(23)(A)), collect no fee or reduce fees 
to the maximum extent possible; and 
(2) in lieu of the fee otherwise applicable under 
section 7(a)(18)(A) of the Small Business Act (15 
U.S.C. 636(a)(18)(A)), collect no fee or reduce fees 
to the maximum extent possible. 
(b) TEMPORARY FEE ELIMINATION FOR THE 504 
LOAN PROGRAM.— 
(1) IN GENERAL.—Until September 30, 2015, 
and to the extent the cost of such elimination in fees 
is offset by appropriations, with respect to each 
project or loan guaranteed by the Administrator 
pursuant to title V of the Small Business Investment 
Act of 1958 (15 U.S.C. 695 et seq.) for which an 
application is approved or pending approval on or 
after the date of enactment of this Act— 
(A) the Administrator shall, in lieu of the 
fee otherwise applicable under section 503(d)(2) 
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of the Small Business Investment Act of 1958 
(15 U.S.C. 697(d)(2)), collect no fee; and 
(B) a development company shall, in lieu 
of 
the 
processing 
fee 
under 
section 
120.971(a)(1) of title 13, Code of Federal Reg-
ulations (relating to fees paid by borrowers), or 
any successor thereto, collect no fee. 
(2) REIMBURSEMENT FOR WAIVED FEES.— 
(A) IN GENERAL.—To the extent that the 
cost of such payments is offset by appropria-
tions, the Administrator shall reimburse each 
development company that does not collect a 
processing fee pursuant to paragraph (1)(B). 
(B) AMOUNT.—The payment to a develop-
ment company under subparagraph (A) shall be 
in an amount equal to 1.5 percent of the net 
debenture proceeds for which the development 
company does not collect a processing fee pur-
suant to paragraph (1)(B). 
(c) APPLICATION OF FEE ELIMINATIONS.—To the 
extent that amounts are made available to the Adminis-
trator for the purpose of fee eliminations or reductions 
under subsection (a), the Administrator shall— 
(1) first use any amounts provided to eliminate 
or reduce fees paid by small business borrowers 
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under clauses (i) through (iii) of paragraph (18)(A), 
to the maximum extent possible; 
(2) then use any amounts provided to eliminate 
or reduce fees under paragraph (23)(A) paid by 
small business lenders with assets less than 
$1,000,000,000 as of the date of enactment; and 
(3) then use any remaining amounts appro-
priated under this Act to reduce fees paid by small 
business lenders other than those with assets less 
than $1,000,000,000. 
SEC. 3. ECONOMIC STIMULUS LENDING PROGRAM FOR 
SMALL BUSINESSES. 
(a) IN GENERAL.—The Administrator may guarantee 
up to 90 percent of qualifying small business loans made 
by eligible lenders. 
(b) DEFINITIONS.—For purposes of this section: 
(1) The term ‘‘Administrator’’ means the Ad-
ministrator of the Small Business Administration. 
(2) The term ‘‘qualifying small business loan’’ 
means any loan to a small business concern pursu-
ant to section 7(a) of the Small Business Act (15 
U.S.C. 636) or title V of the Small Business Invest-
ment Act of 1958 (15 U.S.C. 695 and following) ex-
cept for such loans made under section 7(a)(31). 
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(3) The term ‘‘small business concern’’ has the 
same meaning as provided by section 3 of the Small 
Business Act (15 U.S.C. 632). 
(c) NONAPPLICATION
OF
SECTION
TO
CERTAIN 
LOANS.— 
(1) ALIENS
UNLAWFULLY
PRESENT
IN
THE 
UNITED
STATES.—A loan guarantee may not be 
made under this section for a loan made to a con-
cern if an individual who is an alien unlawfully 
present in the United States— 
(A) has an ownership interest in that con-
cern; or 
(B) has an ownership interest in another 
concern that itself has an ownership interest in 
that concern. 
(2) FIRMS
IN
VIOLATION
OF
IMMIGRATION 
LAWS.—No loan guarantee may be made under this 
section for a loan to any entity found, based on a 
determination by the Secretary of Homeland Secu-
rity or the Attorney General to have engaged in a 
pattern or practice of hiring, recruiting or referring 
for a fee, for employment in the United States per-
sons knowing those persons are or would be aliens 
unlawfully present in the United States. 
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(d) CRIMINAL BACKGROUND CHECKS.—Before ap-
proval of any loan guarantee under this section, the Ad-
ministrator may verify the applicant’s criminal back-
ground, or lack thereof, through the best available means, 
including, if possible, use of the National Crime Informa-
tion Center computer system at the Federal Bureau of In-
vestigation. 
(e) APPLICATION OF OTHER LAW.—Nothing in this 
section shall be construed to exempt any activity of the 
Administrator under this section from the Federal Credit 
Reform Act of 1990 (title V of the Congressional Budget 
and Impoundment Control Act of 1974; 2 U.S.C. 661 and 
following). 
(f) SMALL BUSINESS ACT PROVISIONS.—The provi-
sions of the Small Business Act applicable to loan guaran-
tees under section 7 of that Act and regulations promul-
gated thereunder as of the date of the enactment of this 
Act shall apply to loan guarantees under this section ex-
cept as otherwise provided in this section. 
(g) SUNSET.—Loan guarantees may not be issued 
under this section later than one year after the date of 
the enactment of this Act. 
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SEC. 4. AUTHORIZATION OF APPROPRIATIONS. 
There are authorized to be appropriated such sums 
as may be necessary to carry out this Act. 
Æ 
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