,i  #aag? ,,congress  #b;d ,session  ,h4
 ,r4 #feig  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #c1 #bjbb    
,ms4 ,salaz> 7= h]self1 ,mr4 ,khanna1   
,mrs4 ,kim ( ,cali=nia1 ,mr4 ,soto1 ,mr4
 ,budd1 ,mrs4 ,cammack1 ,mr4 ,donalds1  
,mr4 ,waltz1 ,ms4 ,t5ney1 ,mr4 ,emm]1   
,mr4 ,rose1 ,mr4 ,davidson1 ,mr4        
,norman1 ,mr4 ,au/9 ,scott ( ,georgia1  
,mr4 ,/eil1 ,mr4 ,timmons1 ,mr4         
,caw?orn1 ,mr4 ,/eube1 & ,mrs4 ,wagn]7  
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,small ,bus9ess  ,a    
,,bill  ,to require ! ,adm9i/rator ( !  
,small ,bus9ess ,adm9i/ration to conduct
 a /udy on ! /ate ( block*a9 te*nology &
 its use 9 consum] protection1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,block*a9 ,solutions =     
,small ,bus9esses ,act4  #b4 ,f9d+s     
,congress f9ds ! foll[+3  7#a7 ,block*a9
 or di/ribut$ l$g] te*nology all[s      
comput]s connect$ by a pe]-to-pe]       
network to rea* agreem5t ov] a %>$ l$g] 
( data4 ,*anges to ! %>$ l$g] c only be 

effect$ if ! majority ( ! comput]s 9 !  
network v]ify ! validity ( ! *ange &    
agree to its inclusion 9 ! l$g]4  7#b7  
,! ,connect$ ,comm]ce ,c\ncil f\nd t #gb
 p]c5t ( small bus9esses increas$ _! use
 ( digital tools dur+ ! ,,covid-#ai     
crisis1 & #dh p]c5t utiliz$ a new       
digital tool4  7#c7 ,z small bus9esses  
increas+ly move _! op]ations onl9e1 x is
 critical t any & all in=mation relevant
 to ! bus9ess is protect$ & secure4     
,block*a9 te*nology is an additional    
tool t small bus9esses c lev]age to     
ensure t ! op]ation is adequately       
protect$ f cyb]attack4  7#d7 ,block*a9s 
are dec5traliz$ & di/ribut$ across      
pe]-to-pe] networks t are cont9ually    
updat$ & kept 9 sync4 ,because ^!       
networks are n conta9$ 9 a c5tral       
location1 !y d n h a s+le po9t ( failure
 & _c be *ang$ f a s+le comput] op]at+  
)9 ! network4 ,^! features ( block*a9   
te*nology make /eal+ data or engag+ 9   
fraud significantly m difficult4  7#e7  
,block*a9 te*nology has ! ability to    

bol/] tru/ & effici5cy4 ,all p>ticipants
 9 ! block*a9 networks h access to !    
same in=mation1 :i* is n only immutable 
b also updat$ 9 real "t1 :i* means t    
in=mation %>+ & v]ification is /reaml9$ 
& accessible to all relevant p>ties4    
#c4 ,/udy on block*a9 te*nology & its   
uses at ! ,small ,bus9ess ,adm9i/ration 
7a7 ,/udy requir$ ,! ,adm9i/rator ( !   
,small ,bus9ess ,adm9i/ration1 9        
consultation ) any o!r ,f$]al ag5cy !   
,adm9i/rator det]m9es appropriate1 %all 
conduct a /udy on--  7#a7 ! curr5t &    
pot5tial uses ( block*a9 te*nology to   
c>ry out ! requirem5ts ( subsections 7a7
 & 7b77#b7 ( section #g ( ! ,small      
,bus9ess ,act 7#ae ,u4,s4,c4 #fcf72 &   
7#b7 ! pot5tial uses ( block*a9         
te*nology to--  7,a7 m9imize fraud 9 !  
l5d+ programs e/abli%$ "u su*           
subsections2 &  7,b7 improve ! provision
 ( s]vices "u su* l5d+ programs4  7b7   
,elem5ts ,! /udy requir$ "u subsection  
7a7 %all include ! foll[+3 7#a7 ,an     
assessm5t ( tr5ds 9 ! use ( block*a9    

te*nology 9 ! f9ancial sector4  7#b7 ,a 
description ( be/ practices to          
facilitate p>tn]%ips betwe5 private     
entities & ! ,adm9i/ration to use       
block*a9 te*nology to c>ry out !        
requirem5ts ( subsections 7a7 & 7b77#b7 
( section #g ( ! ,small ,bus9ess ,act   
7#ae ,u4,s4,c4 #fcf71 m9imize fraud 9 ! 
l5d+ programs e/abli%$ "u su*           
subsections1 & improve ! provision (    
s]vices "u su* l5d+ programs4  7#c7 ,)  
respect to c>ry+ out ! requirem5ts (    
subsections 7a7 & 7b77#b7 ( section #g (
 ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4  
#fcf71 a description (--  7,a7 !        
pot5tial b5efits & risks ( us+ block*a9 
te*nology2  7,b7 h[ block*a9 te*nology c
 be us$ to maximize effici5cy ( !       
,adm9i/ration2 &  7,c7 h[ block*a9      
te*nology c be us$ to r$uce fraud &     
increase ! security ( ! l5d+ programs   
e/abli%$ "u su* subsections4  7#d7 ,any 
o!r relevant in=mation or recomm5dations
 relat$ to ! use ( block*a9 te*nology by
 ! ,adm9i/rator4  7c7 ,report ,n lat]   

?an "o ye> aft] ! date ( ! enactm5t (   
?is ,act1 ! ,adm9i/rator ( ! ,small     
,bus9ess ,adm9i/ration %all submit to ! 
,committee on ,small ,bus9ess ( ! ,h\se 
( ,repres5tatives & ! ,committee on     
,small ,bus9ess & ,entrepr5eur%ip ( !   
,s5ate a report on ! results ( ! /udy4  
7d7 ,block*a9 def9$ ,9 ?is ,act1 ! t]m  
block*a9 means a digital l$g] or        
database :i* is *ronological1           
cons5sus-bas$1 dec5traliz$1 &           
ma!matically v]ifi$ 9 nature4