,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fcdd  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #bc1 #bjbj,mr4   
,evans introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,small        
,bus9ess  ,a ,,bill  ,to modify !       
economic injury disa/] loan ( ! ,small  
,bus9ess ,adm9i/ration 9 response to    
,,covid-#ai1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,exp$it+ ! ,,eidl ,program ,act ( #bjbj4
  #b4 ,economic injury disa/] loans  7a7
 ,t]ms ,) respect to a loan made "u     
section #g7;b77#b7 ( ! ,small ,bus9ess  
,act 7#ae ,u4,s4,c4 #fcf7;b77#b77 9     
response to ,,covid-#ai1 ! ,adm9i/rator 
( ! ,small ,bus9ess ,adm9i/ration-- 7#a7
 may make su* a loan to a />t-up small  
bus9ess conc]n2  7#b7 may waive any     
rules relat$ to affiliation2 &  7#c7    
%all1 ) respect to su* a loan made to a 
coop]ative1 waive any requirem5t t !    
borr[] ( su* loan provide a p]sonal     
gu>antee to repay su* loan4  7b7        
,prelim9>y am\nts  7#a7 ,9 g5]al ,an    

applicant = a loan "u section #g7;b77#b7
 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4
 #fcf7;b77#b77 9 response to ,,covid-#ai
 may reque/ t ! ,adm9i/rator provide an 
advance 9 ! am\nt reque/$ by su*        
applicant 7n to exce$ #aj1jjj7 to su*   
applicant )9 #c days aft] ! ,adm9i/rator
 receives an application f su*          
applicant4  7#b7 ,v]ification ,be=e     
disburs+ am\nts "u ?is subsection1 !    
,adm9i/rator %all v]ify t ! applicant is
 a small bus9ess conc]n 7z def9$ "u     
section #c ( su* ,act 7#ae ,u4,s4,c4    
#fcb774  7#c7 ,repaym5t ,an applicant t 
is subsequ5tly d5i$ a loan "u su*       
section #g7;b77#b7 %all n be requir$ to 
repay any am\nts ( an advance provid$ "u
 ?is subsection4  7c7 ,approval &       
ability ,to repay = small doll> loans ,)
 respect to a loan made "u section      
#g7;b77#b7 ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcf7;b77#b77 9 response to  
,,covid-#ai t does n exce$ #cej1jjj1 !  
,adm9i/rator-- 7#a7 may approve an      
applicant bas$ solely on ! cr$it score (

 ! applicant & %all n require an        
applicant to submit a tax return or a   
tax return transcript = su* approval2 or
  7#b7 use alt]native appropriate me?ods
 to det]m9e an applicant's ability to   
repay4  7d7 ,em]g5cies involv+ f$]al    
prim>y responsibility qualify+ = small  
bus9ess adm9i/ration assi/ance ,section 
#g7;b77#b7 ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcf7;b77#b77 is am5d$-- 7#a7
 9 subp>agraph 7,a71 by /rik+ or at !   
end2  7#b7 9 subp>agraph 7,b71 by /rik+ 
or at ! end2  7#c7 9 subp>agraph 7,c71  
by /rik+ or at ! end2  7#d7 by          
r$esignat+ subp>agraph 7,d7 z           
subp>agraph 7,e72  7#e7 by ins]t+ aft]  
subp>agraph 7,c7 ! foll[+3  7,d7 an     
em]g5cy involv+ ,f$]al prim>y           
responsibility det]m9$ to exi/ by !     
,presid5t "u section #eja7;b7 ( ! ,rob]t
 ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy  
,assi/ance ,act 7#db ,u4,s4,c4          
#eaia7;b772 or  2  7#f7 9 subp>agraph   
7,e71 z s r$esignat$-- 7,a7 by /rik+ or 
7,c7 & ins]t+ 7,c71 or 7,d72  7,b7 by   

/rik+ disa/] decl>ation ea* place x     
appe>s & ins]t+ disa/] or em]g5cy       
decl>ation2  7,c7 by /rik+ disa/] has   
occurr$ & ins]t+ disa/] or em]g5cy has  
occurr$2  7,d7 by /rik+ su* disa/] &    
ins]t+ su* disa/] or em]g5cy2 &  7,e7 by
 /rik+ disa/] /rick5 & ins]t+ disa/]- or
 em]g5cy-/rick52 &  7#g7 9 ! flu% matt] 
foll[+ subp>agraph 7,e7 7z s            
r$esignat$71 by /rik+ ! p]iod at ! end &
 ins]t+ ! foll[+3 3 ,provid$ fur!r1 ,t =
 purposes ( subp>agraph 7,d71 !         
,adm9i/rator %all deem t su* an em]g5cy 
affects ea* ,/ate or subdivision !re(   
7includ+ c\nties71 & t ea* ,/ate or     
subdivision has suffici5t economic      
damage to small bus9ess conc]ns to      
qualify = assi/ance "u ?is p>agraph & ! 
,adm9i/rator %all accept applications = 
su* assi/ance imm$iately4  7e7 ,cr$it   
else:]e requirem5ts ,! flu% matt] foll[+
 subp>agraph 7,e7 7z s r$esignat$7 (    
section #g7;b77#b7 ( ! ,small ,bus9ess  
,act 7#ae ,u4,s4,c4 #fcf7;b77#b77 is    
am5d$ by /rik+ ,t no loan or gu>antee & 

all t foll[s ?r\gh cr$it else:]e4 &     
ins]t+ ! foll[+3 ,! int]e/ rate on a    
loan or gu>antee made "u ?is p>agraph   
%all be n m ?an #b p]c5t1 if !          
,adm9i/rator det]m9es ! applicant is n  
able to obta9 cr$it else:]e1 or n m ?an 
#d p]c5t1 if ! ,adm9i/rator det]m9es !  
applicant is able to obta9 cr$it        
else:]e44  7f7 ,eligibility ,section    
#g7;b77#b7 ( ! ,small ,bus9ess ,act is  
am5d$ by /rik+ small agricultural       
coop]ative & ins]t+ small coop]ative4   
7g7 ,additional am\nts  7#a7 ,9 g5]al ,!
 ,adm9i/rator ( ! ,small ,bus9ess       
,adm9i/ration may increase by #bj p]c5t 
! am\nt receiv$ by an eligible small    
bus9ess conc]n "u section #g7;b77#b7 ( !
 ,small ,bus9ess ,act 7#ae ,u4,s4,c4    
#fcf7;b77#b77 to cov]                   
cont9uity-(-op]ations & risk mitigation 
improvem5ts1 includ+ telework           
capability1 (fsite record keep+1        
r$undancy1 ! adm9i/rative co/s (        
e/abli%+ paid sick leave1 & pres5teeism 
prev5tion4  7#b7 ,def9ition ,9 ?is      

section1 ! t]m eligible small bus9ess   
conc]n means a small bus9ess conc]n t-- 
7,a7 meets ! applicable size /&>d       
e/abli%$ "u section #c ( ! ,small       
,bus9ess ,act 7#ae ,u4,s4,c4 #fcb72 &   
7,b7 is receiv+ assi/ance "u section    
#g7;b77#b7 ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcf7;b77#b77 relat$ to      
,,covid-#ai4  7h7 ,au?orization (       
appropriations ,!re is au?oriz$ to be   
appropriat$ to ! ,adm9i/rator to c>ry   
out ! loan program "u section #g7;b77#b7
 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4
 #fcf7;b77#b77-- 7#a7 #agg1jjj1jjj =    
adm9i/ration co/s2 &  7#b7              
#a1jjj1jjj1jjj to provide loans or o!r  
assi/ance4