IB 
Union Calendar No. 185 
116TH CONGRESS 
1ST SESSION H. R. 3734 
[Report No. 116–233] 
To require the Comptroller General of the United States to report on access 
to credit for small business concerns owned and controlled by covered 
individuals, to require the Administrator of the Small Business Adminis-
tration to report on the veterans interagency task force, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 12, 2019 
Ms. DAVIDS of Kansas (for herself and Mr. CHABOT) introduced the following 
bill; which was referred to the Committee on Small Business 
OCTOBER 15, 2019 
Additional sponsors: Mr. BALDERSON, Mr. FITZPATRICK, Ms. UNDERWOOD, 
Mr. GOLDEN, and Mr. COSTA 
OCTOBER 15, 2019 
Committed to the Committee of the Whole House on the State of the Union 
and ordered to be printed 
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A BILL 
To require the Comptroller General of the United States 
to report on access to credit for small business concerns 
owned and controlled by covered individuals, to require 
the Administrator of the Small Business Administration 
to report on the veterans interagency task force, and 
for other purposes. 
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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 ‘‘Successful Entrepre-
neurship for Reservists and Veterans Act’’ or the ‘‘SERV 
Act’’. 
SEC. 2. REPORTING REQUIREMENT FOR VETERANS INTER-
AGENCY TASK FORCE. 
Section 32(c) of the Small Business Act (15 U.S.C. 
657b(c)) is amended by adding at the end the following: 
‘‘(4) REPORT.—Along with the budget justifica-
tion documents for the Small Business Administra-
tion submitted to Congress in connection with the 
budget for a fiscal year submitted under 1105 of 
title 31, United States Code, the Administrator shall 
submit a report— 
‘‘(A) discussing the appointments made to 
and activities of the task force; and 
‘‘(B) identifying and outlining a plan for 
outreach and promotion of the programs and 
services for veterans, including Veteran Busi-
ness Outreach Centers, Boots to Business, 
Boots to Business Reboot, Service-Disabled En-
trepreneurship Development Training Program, 
Veteran Institute for Procurement, Women Vet-
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eran Entrepreneurship Training Program, and 
Veteran Women Igniting the Spirit of Entrepre-
neurship.’’. 
SEC. 3. GAO REPORT ON ACCESS TO CREDIT. 
(a) REPORT ON ACCESS TO CREDIT.— 
(1) IN GENERAL.—Not later than 1 year after 
the date of the enactment of this Act, the Comp-
troller General of the United States shall submit a 
report on the ability of small business concerns 
owned and controlled by covered individuals to ac-
cess credit to— 
(A) the Committee on Veterans’ Affairs 
and the Committee on Small Business and En-
trepreneurship of the Senate; and 
(B) the Committee on Veterans’ Affairs 
and the Committee on Small Business of the 
House of Representatives. 
(2) CONTENTS.—The report submitted under 
paragraph (1) shall include an analysis of— 
(A) the sources of credit used by small 
business concerns owned and controlled by cov-
ered individuals and the average percentage of 
the credit obtained from each source by such 
concerns; 
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(B) the default rate for small business con-
cerns owned and controlled by covered individ-
uals, disaggregated by each source of credit de-
scribed in subparagraph (A), as compared to 
the default rate for the source of credit for 
small business concerns generally; 
(C) the Federal lending programs available 
to provide credit to small business concerns 
owned and controlled by covered individuals; 
(D) gaps, if any, in the availability of cred-
it for small business concerns owned and con-
trolled by covered individuals that are not being 
filled by the Federal Government or private 
sources; 
(E) obstacles faced by covered individuals 
in trying to access credit; 
(F) the extent to which deployment and 
other military responsibilities affect the credit 
history of veterans and Reservists; and 
(G) the extent to which covered individuals 
are aware of Federal programs targeted to-
wards helping covered individuals access credit. 
(b) DEFINITIONS.—In this Act: 
(1) COVERED INDIVIDUAL.—The term ‘‘covered 
individual’’ means— 
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