,,iv  #aaf? ,,congress  #a/ ,session    
,h4 ,,res4 #cgj  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,may #i1 #bjai,mr4    
,phillips 7= himself1 ,mr4 ,timmons1 &  
,ms4 ,velzquez7 submitt$ ! foll[+       
resolution2 :i* 0 ref]r$ to ! ,committee
 on ,small ,bus9ess  ,,resolution       
,express+ ! s5se ( ! ,h\se (            
,repres5tatives t small bus9ess own]s   
seek+ f9anc+ h fundam5tal rights1       
includ+ transp>5t pric+ & t]ms1         
competitive products1 responsible       
und]writ+1 fair treatm5t f f9anc+       
provid]s1 brok]s1 & lead g5]ators1      
inclusive cr$it access1 & fair          
collection practices4  ,:]eas !re are m 
?an #cj million small bus9esses 9 !     
,unit$ ,/ates1 acc\nt+ = #ii p]c5t ( all
 firms2 ,:]eas1 f #bjjj to #bjag1 small 
bus9esses creat$ #h4d million net new   
jobs1 acc\nt+ = m ?an two-?irds ( net   
new job creation 9 t p]iod2 ,:]eas small
 bus9esses are ! driv+ =ce beh9d        
innovation & competitiv5ess 9 ! ,unit$  
,/ates & are integral to ! ,nation's    

ov]all economic gr[? & prosp]ity2 ,:]eas
 accord+ to ! ,national ,small ,bus9ess 
,association1 #gc p]c5t ( small firms   
us$ f9anc+ 9 ! la/ #ab mon?s2 ,:]eas    
entrepr5eurs ?r\gh\t ! c\ntry face      
*all5ges access+ ! capital ne$$ to      
create1 su/a91 & gr[ small bus9esses &  
at ! same "t1 are increas+ly t>get$ )   
irresponsible l5d+ practices2 ,:]eas a  
small bus9ess borr[] has ! "r to h ! co/
 & t]ms ( any f9anc+ be+ (f]$ pres5t$ to
 !m 9 writ+ & 9 a =m t is cle>1         
complete1 & easy to comp>e ) o!r f9anc+ 
options1 s !y c make ! be/ decision = _!
 bus9ess2 ,:]eas a small bus9ess borr[] 
has ! "r to expect t f9anc+ products w n
 trap 8 or h] bus9ess 9 an exp5sive     
cycle ( reborr[+2 ,:]eas a small bus9ess
 borr[] has ! "r to expect t f9anc+ is  
(f]$ to !m bas$ on und]writ+ practices t
 assess ! ability ( ! borr[]'s bus9ess  
to succe$ & repay2 ,:]eas a small       
bus9ess borr[] has ! "r to hone/1       
transp>5t1 & imp>tial communications )  
all f9anc+ provid]s1 brok]s1 & lead     

g5]ators reg>d+ loan options1 conflicts 
( int]e/1 fees1 & ! f9anc+ options      
available2 ,:]eas a small bus9ess borr[]
 has ! "r to fair & equal treatm5t :5   
seek+ a loan1 includ+ protections       
gu>ante$ "u ! ,equal ,cr$it ,opportunity
 ,act2 ,:]eas a small bus9ess borr[] has
 ! "r to be treat$ fairly & respectfully
 ?r\gh\t a collections process & ! "r to
 protections l ^? gu>ante$ "u ! ,fair   
,debt ,collection ,practices ,act2 &    
,:]eas a small bus9ess borr[] has ! "r  
to expect t f9anc+ provid]s d n use     
confessions ( judgm5t or equival5t legal
 agreem5ts by :i* a borr[] preemptively 
agrees to lose disputes ) ! f9anc+      
provid]3 ,n[1 !re=e1 be x  ,t x is !    
s5se ( ! ,h\se ( ,repres5tatives t--    
7#a7 ! above pr9ciples promote ! su/a9$ 
gr[? & vitality ( ,am]ica's ma9 /reet   
bus9esses2 &  7#b7 ,congress %\ld take  
all appropriate measures to use ^!      
pr9ciples z a framework = pot5tial      
legislation & regulations to protect    
small bus9ess own]s seek+ f9anc+ t w\ld 

/>t1 cont9ue1 or exp& op]ations & create
 jobs4