,,ii  #aag? ,,congress  #a/ ,session    
,s4 #aeji  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #bi1 #bjba,mr4  
,rubio introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,small ,bus9ess & ,entrepr5eur%ip  ,a   
,,bill  ,to exp& access to capital 9    
und]s]v$ m>kets by provid+ res\rces = ! 
,small ,bus9ess ,adm9i/ration to approve
 additional ,non-,f$]ally ,regulat$     
,l5d]s to make bus9ess loans gu>ante$ by
 ! ,small ,bus9ess ,adm9i/ration to     
small bus9ess conc]ns 9 l[-income &     
mod]ate-income neighborhoods4  #a4 ,%ort
 title ,?is ,act may be cit$ z ! ,fair  
,access to ,small ,bus9ess ,l5d+ ,act4  
#b4 ,fair access to small bus9ess l5d+  
,section #g7;a77#ag7 ( ! ,small ,bus9ess
 ,act 7#ae ,u4,s4,c4 #fcf7;a77#ag77 is  
am5d$-- 7#a7 by /rik+ 7#ag7 ,!          
,adm9i/ration & ins]t+ ! foll[+3  7#ag7 
,au?orization ( l5d]s  7,a7 ,9 g5]al ,! 
,adm9i/ration  2 &  7#b7 by add+ at !   
end ! foll[+3  7,b7 ,access to capital =
 und]s]v$ m>kets  7i7 ,def9itions ,9 ?is

 subp>agraph-- 7,i7 ! t]m cov]$         
,non-,f$]ally ,regulat$ ,l5d] means a   
,non-,f$]ally ,regulat$ ,l5d] 7z def9$ 9
 section #abj4aj ( title #ac1 ,code (   
,f$]al ,regulations1 or any successor   
!reto7 t-- 7aa7 has n be5 approv$ to    
make loans gu>ante$ "u ?is subsection2 &
  7bb7 meets ! applicable crit]ia =     
au?oriz+ l5d]s to make loans gu>ante$ "u
 ?is subsection2 &  7,,ii7 ! t]m l[ or  
mod]ate-income neighborhood means a     
neighborhood t is a l[-income           
neighborhood or a mod]ate-income        
neighborhood1 = ! purposes ( !          
,community ,re9ve/m5t ,act ( #aigg 7#ab 
,u4,s4,c4 #bija et seq474  7ii7         
,initiative  7,i7 ,9 g5]al ,!           
,adm9i/rator1 act+ ?r\gh ! ,(fice (     
,cr$it ,risk ,managem5t1 %all c>ry out  
an initiative to au?orize cov]$         
,non-,f$]ally ,regulat$ ,l5d]s to make  
loans gu>ante$ "u ?is subsection t is   
t>get$ to exp&+ ! availability ( loans  
gu>ante$ "u ?is subsection to small     
bus9ess conc]ns t are locat$ 9 a l[ or  

mod]ate-income neighborhood4  7,,ii7    
,au?ority ,"u ! initiative "u subclause 
7,i71 ! ,adm9i/rator may n approve a    
cov]$ ,non-,f$]ally ,regulat$ ,l5d] to  
only be eligible to make loans gu>ante$ 
"u ! ,community ,advantage ,pilot       
,program ( ! ,adm9i/ration4  7,,iii7    
,l5d]s ,a cov]$ ,non-,f$]ally ,regulat$ 
,l5d] t becomes au?oriz$ to make loans  
gu>ante$ "u ?is subsection "u !         
initiative "u subclause 7,i7 %all ensure
 t n less ?an #ej p]c5t ( ! loans made  
by ! cov]$ ,non-,f$]ally ,regulat$ ,l5d]
 t are gu>ante$ "u ?is subsection are   
made to small bus9ess conc]ns t are     
locat$ 9 a l[ or mod]ate-income         
neighborhood4  7iii7 ,fund+ ,= fiscal   
ye> #bjba1 & ea* fiscal ye> !reaft]1 !re
 is appropriat$ to ! ,adm9i/rator1 out (
 any money 9 ! ,treasury n o!rwise      
appropriat$1 su* sums z are necess>y to 
c>ry out ! initiative "u clause 7ii74  4