,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #gdea  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #a1 #bjbj,mr4   
,evans introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,small        
,bus9ess1 & 9 addition to ! ,committee  
on ! ,budget1 = a p]iod to be           
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to provide =givable
 physical disa/] loans to bus9esses     
damag$ due to civil unre/1 & = o!r      
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,help+ ,entrepr5eurs       
,access ,loans ,act or ! ,,heal ,act4   
#b4 ,=givable bus9ess physical disa/]   
loans = damage due to civil unre/  7a7  
,def9itions ,9 ?is section-- 7#a7 ! t]ms
 ,adm9i/ration & ,adm9i/rator mean !    
,small ,bus9ess ,adm9i/ration & !       
,adm9i/rator !re(1 respectively2  7#b7 !
 t]m cov]$ p]iod means ! p]iod beg9n+ on
 ,may #bf1 #bjbj1 & end+ on ,july #a1   
#bjbj2 &  7#c7 ! t]m eligible entity    

means a bus9ess conc]n-- 7,a7 ) av]age  
annual receipts 7z def9$ 9 section      
#aba4ajd ( title #ac1 ,code ( ,f$]al    
,regulations1 or any successor          
regulation7 ( n m ?an #b1jjj1jjj2 &     
7,b7 t-- 7i7 is locat$ )9 an area = :i* 
! ,adm9i/rator decl>$ a disa/] 9        
accordance ) section #abc4c7;a77#c7 (   
title #ac1 ,code ( ,f$]al ,regulations1 
or any successor regulation1 ) respect  
to civil unre/ t began on ,may #bf1     
#bjbj1 9 ,m9neapolis1 ,m9nesota1 &      
spread across ! ,unit$ ,/ates2 &  7ii7  
incurr$ damage to real or p]sonal       
prop]ty ( ! bus9ess conc]n dur+ ! cov]$ 
p]iod z a result ( ! civil unre/        
describ$ 9 clause 7i74  7b7 ,bus9ess    
physical disa/] loans  7#a7 ,9 g5]al    
,except z o!rwise provid$ 9 ?is         
subsection1 an eligible entity %all be  
eligible = a loan made by !             
,adm9i/ration "u section #g7;b77#a7 ( ! 
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7;b77#a77 "u ! same t]ms1           
conditions1 & processes z a loan made "u

 su* section to repair1 rehabilitate1 or
 replace prop]ty1 real or p]sonal1 ( !  
eligible entity t 0 damag$ or de/roy$   
dur+ ! cov]$ p]iod z a result ( ! civil 
unre/ describ$ 9 subsection             
7a77#c77;,b77i74  7#b7 ,disa/]          
decl>ation ,) respect to ! disa/]       
decl>ation describ$ 9 subsection        
7a77#c77;,b77i7 = a loan made "u        
p>agraph 7#a71 ! requirem5t "u section  
#abc4c7;a77#c77;ii7 ( title #ac1 ,code (
 ,f$]al ,regulations1 or any successor  
regulation1 t #be p]c5t or m ( ! "w =ce 
9 ! area w\ld be unemploy$ = n few] ?an 
#ij days %all n apply4  7#c7 ,loan am\nt
  7,a7 ,9 g5]al ,! am\nt ( a loan made  
"u p>agraph 7#a7 %all be equal to #ajj  
p]c5t ( ! am\nt requir$ to repair1      
rehabilitate1 or replace prop]ty1 real  
or p]sonal1 ( ! eligible entity t-- 7i7 
0 damag$ or de/roy$ dur+ ! cov]$ p]iod z
 a result ( ! civil unre/ describ$ 9    
subsection 7a77#c77;,b77i72 &  7ii7 is n
 comp5sat$ = by-- 7,i7 insurance2       
7,,ii7 a grant f a ,/ate or local       

gov]nm5t2 or  7,,iii7 any o!r means4    
7,b7 ,d$uction ( advance am\nt ,! am\nt 
( any advance receiv$ by an eligible    
entity "u subsection 7c7 %all be d$uct$ 
f ! loan am\nt = ! eligible entity "u   
subp>agraph 7,a74  7#d7 ,t]ms2 cr$it    
else:]e  7,a7 ,9 g5]al ,) respect to a  
loan made to an eligible entity "u      
p>agraph 7#a7-- 7i7 ! ,adm9i/rator %all 
waive-- 7,i7 any rules relat$ ! p]sonal 
gu>antee on loans ( n m ?an #bjj1jjj    
dur+ ! cov]$ p]iod = all applicants2 &  
7,,ii7 any requirem5t t an applicant    
ne$s to be 9 bus9ess = ! #a-ye> p]iod   
be=e ! civil unre/ describ$ 9 subsection
 7a77#c77;,b77i71 except t no waiv] may 
be made = an eligible entity t 0 n 9    
op]ation on ,janu>y #ca1 #bjbj2  7ii7 ! 
eligible entity %all n be requir$ to %[ 
t ! eligible entity is unable to obta9  
cr$it else:]e2 &  7iii7 no collat]al    
%all be requir$ = ! loan4  7,b7         
,repaym5t ,any paym5ts on a loan made to
 an eligible entity "u p>agraph 7#a7 are
 def]r$ until ,june #cj1 #bjbb1 & int]e/

 %all n beg9 to accrue until su* date4  
7#e7 ,application  7,a7 ,9 g5]al ,n lat]
 ?an #g days aft] ! date ( enactm5t (   
?is ,act1 ! ,adm9i/rator %all beg9 to   
accept applications = a loan "u p>agraph
 7#a74  7,b7 ,deadl9e ,an eligible      
entity desir+ a loan "u ?is subsection  
%all submit to ! ,adm9i/rator an        
application n lat] ?an ,decemb] #ca1    
#bjbj4  7,c7 ,approval & ability to     
repay ,) respect to an applicant = a    
loan made "u p>agraph 7#a71 !           
,adm9i/rator may-- 7i7 approve !        
applicant bas$ on ! cr$it score or      
p]sonal gu>antee ( ! applicant2 or  7ii7
 use alt]native appropriate me?ods to   
det]m9e ! applicant's ability to repay4 
7#f7 ,use ( funds ,a recipi5t ( a loan  
made "u p>agraph 7#a7 %all use ! loan   
proce$s to repair1 rehabilitate1 or     
replace prop]ty1 real or p]sonal1 damag$
 or de/roy$ dur+ ! cov]$ p]iod z a      
result ( ! civil unre/ describ$ 9       
subsection 7a77#c77;,b77i71 provid$ t   
su* damage or de/ruction is n comp5sat$ 

= by insurance1 a grant f a ,/ate or    
local gov]nm5t1 or o!rwise4  7#g7 ,loan 
=giv5ess  7,a7 ,9 g5]al ,an eligible    
entity t receiv$ a loan made "u p>agraph
 7#a71 or an eligible entity t receiv$ a
 loan "u section #g7;b77#a7 ( ! ,small  
,bus9ess ,act 7#ae ,u4,s4,c4            
#fcf7;b77#a77 be=e ! date ( enactm5t (  
?is ,act relat$ to ! civil unre/        
describ$ 9 subsection 7a77#c77;,b77i71  
%all be eligible = =giv5ess (           
indebt$ness equal to #ge p]c5t ( ! loan 
am\nt if ! eligible entity-- 7i7 submits
 to ! ,adm9i/rator docum5tation ( sales 
= #bjai & #bjbj & tax returns = #bjai & 
#bjbj2 &  7ii7 ! eligible entity is 9   
op]ation z ( ,decemb] #ca1 #bjba4  7,b7 
,am\nts n =giv5 ,any rema9+ am\nt ( a   
loan describ$ 9 subp>agraph 7,a7 t is n 
=giv5 "u ?is p>agraph z ( ,decemb] #ca1 
#bjba1 %all-- 7i7 be consid]$ a loan    
made "u section #g7;b77#a7 ( ! ,small   
,bus9ess ,act 7#ae ,u4,s4,c4            
#fcf7;b77#a772  7ii7 be> an int]e/ rate 
( #c4ge p]c5t2 &  7iii7 h a #cj-ye> t]m4

  7#h7 ,duplication ,an eligible entity 
t receiv$ a loan "u subsection 7a77#cf7 
or 7b77#b7 ( section #g ( ! ,small      
,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7 be=e 
! date ( enactm5t ( ?is ,act %all be    
eligible = a loan "u p>agraph 7#a7 if ! 
proce$s ( ! loan made "u su* subsection 
7a77#cf7 or 7b77#b7 are n us$ = ! same  
exp5ses z ! loan "u p>agraph 7#a74  7c7 
,em]g5cy grant  7#a7 ,9 g5]al ,an       
eligible entity t applies = a loan "u   
subsection 7b77#a7 may reque/ t !       
,adm9i/rator provide an advance1 subject
 to p>agraph 7#c71 to ! eligible entity 
n lat] ?an #aj days aft] ! date on :i* !
 ,adm9i/rator receives an application f 
! eligible entity4  7#b7 ,v]ification   
,be=e disburs+ am\nts "u ?is subsection1
 ! ,adm9i/rator %all v]ify t ! applicant
 is an eligible entity by accept+ a     
self-c]tification f ! applicant "u      
p5alty ( p]jury pursuant to section     
#agdf ( title #bh1 ,unit$ ,/ates ,code4 
7#c7 ,am\nt ,! am\nt ( an advance       
provid$ to an eligible entity "u ?is    

subsection %all be ! less] (-- 7,a7 #bj 
p]c5t ( ! am\nt reque/$ by ! eligible   
entity2 or  7,b7 #aj1jjj4  7#d7 ,use (  
funds ,an advance receiv$ "u ?is        
subsection %all only be us$ = ! all[able
 uses = a loan "u subsection 7b77#a74   
7#e7 ,repaym5t  7,a7 ,9 g5]al ,except z 
provid$ "u subp>agraph 7,b71 an eligible
 entity t receives an advance "u ?is    
subsection %all n be requir$ to repay   
any am\nts ( ! advance4  7,b7 ,return ( 
advance ,if an applicant = a loan "u    
subsection 7b77#a7 is lat] det]m9$ to be
 ineligible = ! loan because ! applicant
 does n meet ! requirem5ts to be an     
eligible entity describ$ 9 subsection   
7a77#c71 ! applicant %all return to !   
,adm9i/rator any advance am\nt provid$  
"u ?is subsection-- 7i7 n lat] ?an #ij  
days aft] receiv+ notice ( ! det]m9ation
 ( ineligibility2 or  7ii7 if !         
,adm9i/rator det]m9es t ! applicant     
submitt$ ! application 9 bad fai?1 n    
lat] ?an #cj days aft] receiv+ notice ( 
t det]m9ation1 plus int]e/ 9 an am\nt   

equal to #d4ge p]c5t ( ! advance4  7d7  
,res\rces & s]vices 9 languages o!r ?an 
,engli% ,! ,adm9i/rator %all provide !  
res\rces & s]vices made available by !  
,adm9i/ration relat+ to ! loans & grants
 available "u ?is section to eligible   
entities 9 ! #aj mo/ commonly spok5     
languages1 o!r ?an ,engli%1 9 ! ,unit$  
,/ates1 :i* %all include ,m&>91         
,cantonese1 ,japanese1 & ,korean4  7e7  
,regulations ,! ,adm9i/rator %all issue 
guidance & rules to c>ry out ?is        
section4  7f7 ,direct appropriation     
7#a7 ,9 g5]al ,!re is appropriat$1 out (
 am\nts 9 ! ,treasury n o!rwise         
appropriat$1 = ! fiscal ye> end+        
,septemb] #cj1 #bjbj1 = an additional   
am\nt = ,small ,bus9ess                 
,adm9i/ration--,,heal ,act1 #hj1jjj1jjj1
 to rema9 available until ,septemb] #cj1
 #bjba1 = c>ry+ out ?is section4  7#b7  
,em]g5cy designation  7,a7 ,9 g5]al ,!  
am\nts provid$ "u ?is subsection are    
designat$ z an em]g5cy requirem5t       
pursuant to section #d7;g7 ( ! ,/atutory

 ,pay-,z-,y-,g ,act ( #bjaj 7#b         
,u4,s4,c4 #icc7;g774  7,b7 ,designation 
9 ,s5ate ,9 ! ,s5ate1 ?is subsection is 
designat$ z an em]g5cy requirem5t       
pursuant to section #daab7;a7 ( ,h4     
,con4 ,res4 #ga 7#aae? ,congress71 !    
concurr5t resolution on ! budget =      
fiscal ye> #bjah4