I 
116TH CONGRESS 
2D SESSION 
H. R. 6907 
To establish a program in the Department of the Treasury to allocate funds 
to States, units of general local government, and Indian Tribes to provide 
assistance to certain small businesses, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 15, 2020 
Mr. KILDEE (for himself, Mr. FITZPATRICK, Mr. EVANS, and Mr. UPTON) in-
troduced the following bill; which was referred to the Committee on Small 
Business 
A BILL 
To establish a program in the Department of the Treasury 
to allocate funds to States, units of general local govern-
ment, and Indian Tribes to provide assistance to certain 
small businesses, 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 ‘‘Recharge and Em-
power Local Innovation and Entrepreneurs Fund for Main 
Street Act’’ or the ‘‘RELIEF for Main Street Act’’. 
SEC. 2. SMALL BUSINESS LOCAL RELIEF PROGRAM. 
(a) DEFINITIONS.—In this section: 
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(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Small Busi-
ness Administration. 
(2) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’— 
(A) means a privately held business entity 
or nonprofit organization that— 
(i) employs— 
(I) not more than 20 full-time 
equivalent employees; or 
(II) if the entity or organization 
is located in a low-income community, 
not more than 50 full-time equivalent 
employees; 
(ii) has experienced a loss of revenue 
as a result of the COVID–19 pandemic, 
according to criteria established by the 
Secretary; and 
(iii) with respect to such an entity or 
organization that receives assistance from 
a small business emergency fund, satisfies 
additional requirements, as determined by 
the State, unit of general local government, 
Indian Tribe, or other entity that has es-
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tablished the small business emergency 
fund; and 
(B) includes an individual who operates 
under a sole proprietorship, an individual who 
operates as an independent contractor, and an 
eligible self-employed individual if such an indi-
vidual has experienced a loss of revenue as a re-
sult of the COVID–19 pandemic, according to 
criteria established by the Secretary. 
(3) ELIGIBLE SELF-EMPLOYED INDIVIDUAL.— 
The term ‘‘eligible self-employed individual’’ has the 
meaning given the term in section 7(a)(36)(A) of the 
Small Business Act (15 U.S.C. 636(a)(36)(A)). 
(4) ENTITLEMENT
COMMUNITY.—The term 
‘‘entitlement community’’ means a metropolitan city 
or urban county, as those terms are defined in sec-
tion 102 of the Housing and Community Develop-
ment Act of 1974 (42 U.S.C. 5302). 
(5) FULL-TIME EQUIVALENT EMPLOYEES.— 
(A) IN
GENERAL.—The term ‘‘full-time 
equivalent employees’’ means a number of em-
ployees equal to the number determined by di-
viding— 
(i) the total number of hours of serv-
ice for which wages were paid by the em-
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ployer to employees during the taxable 
year; by 
(ii) 2,080. 
(B) ROUNDING.—The number determined 
under subparagraph (A) shall be rounded to the 
next lowest whole number if not otherwise a 
whole number. 
(C) EXCESS HOURS NOT COUNTED.—If an 
employee works in excess of 2,080 hours of 
service during any taxable year, such excess 
shall not be taken into account under subpara-
graph (A). 
(D) HOURS OF SERVICE.—The Secretary, 
in consultation with the Secretary of Labor, 
shall prescribe such regulations, rules, and 
guidance as may be necessary to determine the 
hours of service of an employee, including rules 
for the application of this paragraph to employ-
ees who are not compensated on an hourly 
basis. 
(6) INDIAN TRIBE.—The term ‘‘Indian Tribe’’ 
has the meaning given the term ‘‘Indian tribe’’ in 
section 102 of the Housing and Community Devel-
opment Act of 1974 (42 U.S.C. 5302). 
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(7) LOW-INCOME COMMUNITY.—The term ‘‘low- 
income community’’ has the meaning given the term 
in section 45D(e) of the Internal Revenue Code of 
1986. 
(8) MINORITY.—The term ‘‘minority’’ has the 
meaning given the term in section 1204(c)(3) of the 
Financial Institutions Reform, Recovery, and En-
forcement Act of 1989 (12 U.S.C. 1811 note). 
(9) MINORITY-OWNED ENTITY.—The term ‘‘mi-
nority-owned entity’’ means an entity— 
(A) more than 50 percent of the ownership 
or control of which is held by not less than 1 
minority; and 
(B) more than 50 percent of the net profit 
or loss of which accrues to not less than 1 mi-
nority. 
(10) NONENTITLEMENT AREA; STATE; UNIT OF 
GENERAL LOCAL GOVERNMENT.— 
(A) IN GENERAL.—Except as provided in 
subparagraph (B), the terms ‘‘nonentitlement 
area’’, ‘‘State’’, and ‘‘unit of general local gov-
ernment’’ have the meanings given those terms 
in section 102 of the Housing and Community 
Development Act of 1974 (42 U.S.C. 5302). 
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(B) STATE.—For purposes of subpara-
graphs (A)(ii) and (B)(ii) of subsection (c)(1), 
the term ‘‘State’’ means any State of the 
United States. 
(11) PROGRAM.—The term ‘‘Program’’ means 
the Small Business Local Relief Program established 
under this section. 
(12) 
SECRETARY.—The 
term 
‘‘Secretary’’ 
means the Secretary of the Treasury. 
(13) SMALL
BUSINESS
EMERGENCY
FUND.— 
The term ‘‘small business emergency fund’’ means a 
fund or program— 
(A) established by a State, a unit of gen-
eral local government, an Indian Tribe, or an 
entity designated by a State, unit of general 
local government, or Indian Tribe; and 
(B) that provides or administers financing 
to eligible entities in the form of grants, loans, 
or other means in accordance with the needs of 
eligible entities and the capacity of the fund or 
program. 
(14) 
WOMEN-OWNED
ENTITY.—The 
term 
‘‘women-owned entity’’ means an entity— 
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(A) more than 50 percent of the ownership 
or control of which is held by not less than 1 
woman; and 
(B) more than 50 percent of the net profit 
or loss of which accrues to not less than 1 
woman. 
(b) ESTABLISHMENT.—There is established in the 
Department of the Treasury the Small Business Local Re-
lief Program, the purpose of which is to allocate resources 
to States, units of general local government, and Indian 
Tribes to provide assistance to eligible entities and organi-
zations that assist eligible entities. 
(c) FUNDING.— 
(1) FUNDING TO STATES, LOCALITIES, AND IN-
DIAN TRIBES.— 
(A) IN GENERAL.—Of the amounts made 
available to carry out the Program under sub-
section (h), the Secretary shall allocate— 
(i) $35,000,000,000 to States and 
units of general local government in ac-
cordance with subparagraph (B)(i); 
(ii) $15,000,000,000 to States in ac-
cordance with subparagraph (B)(ii); and 
(iii) $500,000,000 to the Secretary of 
Housing and Urban Development for allo-
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cations to Indian Tribes in accordance with 
subparagraph (B)(iii). 
(B) ALLOCATIONS.— 
(i) FORMULA FOR STATES AND UNITS 
OF
GENERAL
LOCAL
GOVERNMENT.—Of 
the amount allocated under subparagraph 
(A)(i)— 
(I) 70 percent shall be allocated 
to entitlement communities in accord-
ance with the formula under section 
106(b) of the Housing and Commu-
nity Development Act of 1974 (42 
U.S.C. 5306(b)); and 
(II) 30 percent shall be allocated 
to States, for use in nonentitlement 
areas, in accordance with the formula 
under section 106(d)(1) of the Hous-
ing and Community Development Act 
of 1974 (42 U.S.C. 5306(d)(1)). 
(ii) RURAL
BONUS
FORMULA
FOR 
STATES.—The Secretary shall allocate the 
amount 
allocated 
under 
subparagraph 
(A)(ii) to States, for use in nonentitlement 
areas, in accordance with the formula 
under section 106(d)(1) of the Housing 
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and Community Development Act of 1974 
(42 U.S.C. 5306(d)(1)). 
(iii) COMPETITIVE AWARDS TO INDIAN 
TRIBES.— 
(I) IN GENERAL.—The Secretary 
of Housing and Urban Development 
shall allocate to Indian Tribes on a 
competitive basis the amount allocated 
under subparagraph (A)(iii). 
(II) REQUIREMENTS.—In making 
allocations under subclause (I), the 
Secretary of Housing and Urban De-
velopment shall, to the greatest extent 
practicable, ensure that each Indian 
Tribe that satisfies requirements es-
tablished by the Secretary of Housing 
and Urban Development receives such 
an allocation. 
(C) 
STATE
ALLOCATIONS
FOR
NON-
ENTITLEMENT AREAS.— 
(i) EQUITABLE ALLOCATION.—To the 
greatest extent practicable, a State shall 
allocate amounts for nonentitlement areas 
under clauses (i)(II) and (ii) of subpara-
graph (B) on an equitable basis. 
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(ii) DISTRIBUTION OF AMOUNTS.— 
(I) DISCRETION.—Not later than 
14 days after the date on which a 
State receives amounts for use in a 
nonentitlement 
area 
under 
clause 
(i)(II) or (ii) of subparagraph (B), the 
State shall— 
(aa) distribute the amounts, 
or a portion thereof, to a unit of 
general local government located 
in the nonentitlement area or an 
entity designated thereby, that 
has established or will establish a 
small business emergency fund, 
for use under paragraph (2); or 
(bb) elect to reserve the 
amounts, or a portion thereof, for 
use by the State under paragraph 
(2) for the benefit of eligible enti-
ties located in the nonentitlement 
area. 
(II) SENSE OF CONGRESS.—It is 
the sense of Congress that, in distrib-
uting amounts under subclause (I), in 
the case of amounts allocated for a 
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nonentitlement area in which a unit of 
general local government or an entity 
designated thereby has established a 
small business emergency fund, a 
State should, as quickly as is prac-
ticable, distribute amounts to that 
unit of general local government or 
entity, respectively, as described in 
item (aa) of that subclause. 
(iii) TREATMENT
OF
STATES
NOT 
ACTING AS PASS-THROUGH AGENTS UNDER 
CDBG.—The 
Secretary 
shall 
allocate 
amounts to a State under this paragraph 
without regard to whether the State has 
elected to distribute amounts allocated 
under section 106(d)(1) of the Housing 
and Community Development Act of 1974 
(42 U.S.C. 5306(d)(1)). 
(2) USE OF FUNDS.— 
(A) IN GENERAL.—A State, unit of general 
local government, entity designated by a unit of 
general local government, or Indian Tribe that 
receives an allocation under paragraph (1), 
whether directly or indirectly, may use that al-
location— 
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(i) to provide funding to a small busi-
ness emergency fund established by that 
State (or entity designated thereby), that 
unit of general local government (or entity 
designated thereby), that entity designated 
by a unit of general local government, or 
that Indian Tribe (or entity designated 
thereby), respectively; 
(ii) to provide funding to support or-
ganizations that provide technical assist-
ance to eligible entities; or 
(iii) subject to subparagraph (B), to 
pay for administrative costs incurred by 
that State (or entity designated thereby), 
that unit of general local government (or 
entity designated thereby), that entity des-
ignated by a unit of general local govern-
ment, or that Indian Tribe (or entity des-
ignated thereby), respectively, in estab-
lishing and administering a small business 
emergency fund. 
(B) LIMITATION.—A State, unit of general 
local government, entity designated by a unit of 
general local government, or Indian Tribe may 
not use more than 3 percent of an allocation re-
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ceived under paragraph (1) for a purpose de-
scribed in subparagraph (A)(iii) of this para-
graph. 
(C) OBLIGATION DEADLINES.— 
(i) STATES.—Of the amounts that a 
State 
elects 
under 
paragraph 
(1)(C)(ii)(I)(bb) to reserve for use by the 
State under this paragraph— 
(I) any amounts that the State 
provides to a small business emer-
gency fund under subparagraph (A)(i) 
of this paragraph shall be obligated by 
the small business emergency fund for 
expenditure not later than 74 days 
after the date on which the State re-
ceived the amounts from the Sec-
retary under clause (i) or (ii) of para-
graph (1)(A); and 
(II) any amounts that the State 
chooses to provide to an organization 
under subparagraph (A)(ii) of this 
paragraph, or to use to pay for ad-
ministrative costs under subparagraph 
(A)(iii) of this paragraph, shall be ob-
ligated by the State for expenditure 
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not later than 74 days after the date 
on which the State received the 
amounts from the Secretary under 
clause (i) or (ii) of paragraph (1)(A). 
(ii) ENTITLEMENT
COMMUNITIES.— 
Of the amounts that an entitlement com-
munity receives from the Secretary under 
paragraph (1)(B)(i)(I)— 
(I) any amounts that the entitle-
ment community provides to a small 
business emergency fund under sub-
paragraph (A)(i) of this paragraph 
shall be obligated by the small busi-
ness emergency fund for expenditure 
not later than 74 days after the date 
on which the entitlement community 
received the amounts; and 
(II) any amounts that the entitle-
ment community chooses to provide to 
an organization under subparagraph 
(A)(ii) of this paragraph, or to use to 
pay for administrative costs under 
subparagraph (A)(iii) of this para-
graph, shall be obligated by the enti-
tlement community for expenditure 
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not later than 74 days after the date 
on which the entitlement community 
received the amounts. 
(iii) 
NONENTITLEMENT
COMMU-
NITIES.—Of the amounts that a unit of 
general local government, or an entity des-
ignated thereby, located in a nonentitle-
ment area receives from a State under 
paragraph (1)(C)(ii)(I)(aa)— 
(I) any amounts that the unit of 
general local government or entity 
provides to a small business emer-
gency fund under subparagraph (A)(i) 
of this paragraph shall be obligated by 
the small business emergency fund for 
expenditure not later than 60 days 
after the date on which the unit of 
general local government or entity re-
ceived the amounts; and 
(II) any amounts that the unit of 
general local government or entity 
chooses to provide to a support orga-
nization under subparagraph (A)(ii) of 
this paragraph or to use to pay for 
administrative costs under subpara-
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graph (A)(iii) of this paragraph shall 
be obligated by the unit of general 
local government or entity for expend-
iture not later than 60 days after the 
date on which the unit of general local 
government or entity received the 
amounts. 
(D) 
RECOVERY
OF
UNOBLIGATED 
FUNDS.—If a State, entitlement community, 
other unit of general local government, entity 
designated by a unit of general local govern-
ment, or small business emergency fund fails to 
obligate amounts by the applicable deadline 
under subparagraph (C), the Secretary shall re-
cover the amount of those amounts that remain 
unobligated, as of that deadline. 
(E) COLLABORATION.—It is the sense of 
Congress that— 
(i) an entitlement community that re-
ceives amounts allocated under paragraph 
(1)(B)(i)(I) should collaborate with the ap-
plicable local entity responsible for eco-
nomic development and small business de-
velopment in establishing and admin-
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istering a small business emergency fund; 
and 
(ii) States, units of general local gov-
ernment (including units of general local 
government located inside and outside non-
entitlement areas), and Indian Tribes that 
receive amounts under paragraph (1) and 
are located in the same region should col-
laborate in establishing and administering 
small business emergency funds. 
(d) SMALL BUSINESS EMERGENCY FUNDS.—With 
respect to a small business emergency fund that receives 
funds from an allocation made under subsection (c)— 
(1) if the small business emergency fund makes 
a loan to an eligible entity with those funds, the 
small business emergency fund may use amounts re-
turned to the small business emergency fund from 
the repayment of the loan to provide further assist-
ance to eligible entities without regard to the termi-
nation date described in subsection (i); and 
(2) the small business emergency fund shall 
conduct outreach to eligible entities that are less 
likely to participate in programs established under 
the CARES Act (Public Law 116–136; 134 Stat. 
281) and the amendments made by that Act, includ-
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ing minority-owned entities, businesses in low-in-
come communities, businesses in rural and Tribal 
areas, and other businesses that are underserved by 
the traditional banking system. 
(e) INFORMATION GATHERING.— 
(1) IN GENERAL.—When providing assistance 
to an eligible entity with funds received from an allo-
cation made under subsection (c), the entity pro-
viding assistance shall— 
(A) inquire whether the eligible entity is— 
(i) in the case of an eligible entity 
that is a business entity or a nonprofit or-
ganization, a women-owned entity or a mi-
nority-owned entity; and 
(ii) in the case of an eligible entity 
who is an individual, a woman or a minor-
ity; and 
(B) maintain a record of the responses to 
each inquiry conducted under subparagraph 
(A), which the entity shall promptly submit to 
the applicable State, unit of general local gov-
ernment, or Indian Tribe. 
(2) RIGHT TO REFUSE.—An eligible entity may 
refuse to provide any information requested under 
paragraph (1)(A). 
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(f) REPORTING.— 
(1) IN GENERAL.—Not later than 30 days after 
the date on which a State, unit of general local gov-
ernment, or Indian Tribe initially receives an alloca-
tion made under subsection (c), and not later than 
14 days after the date on which that State, unit of 
local government, or Indian Tribe completes the full 
expenditure of that allocation, that State, unit of 
general local government, or Indian Tribe shall sub-
mit to the Secretary a report that includes— 
(A) the number of recipients of assistance 
made available from the allocation; 
(B) the total amount, and type, of assist-
ance made available from the allocation; 
(C) to the extent applicable, with respect 
to each recipient described in subparagraph 
(A), information regarding the industry of the 
recipient, the amount of assistance received by 
the recipient, the annual sales of the recipient, 
and the number of employees of the recipient; 
(D) to the extent available from informa-
tion collected under subsection (e), information 
regarding the number of recipients described in 
subparagraph (A) that are minority-owned enti-
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ties, minorities, women, and women-owned enti-
ties; 
(E) the zip code of each recipient described 
in subparagraph (A); and 
(F) any other information that the Sec-
retary, in the sole discretion of the Secretary, 
determines to be necessary to carry out the 
Program. 
(2) PUBLIC AVAILABILITY.—As soon as is prac-
ticable after receiving each report submitted under 
paragraph (1), the Secretary shall make the infor-
mation contained in the report, including all of the 
information described in subparagraphs (A) through 
(F) of that paragraph, publicly available. 
(g) RULES AND GUIDANCE.—The Secretary, in con-
sultation with the Administrator, shall issue any rules and 
guidance that are necessary to carry out the Program, in-
cluding by establishing appropriate compliance and report-
ing requirements, in addition to the reporting require-
ments under subsection (f). 
(h) APPROPRIATION.—There are appropriated to the 
Secretary for fiscal year 2020, out of amounts in the 
Treasury not otherwise appropriated, $50,500,000,000 to 
carry out the Program, which shall remain available until 
the termination date described in subsection (i). 
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(i) TERMINATION.—The Program, and any rules and 
guidance issued under subsection (g) with respect to the 
Program, shall terminate on the date that is 1 year after 
the date of enactment of this Act. 
Æ 
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