Small Business Disaster Damage Fairness Act of 2025

This bill changes the rules for disaster loans from the Small Business Administration. Currently, the SBA can require collateral (like property or assets) for disaster loans over $14,000, but this bill raises that limit to $50,000. The bill also requires the SBA to create different outreach and marketing approaches for rural and urban communities when promoting disaster loans, and to take steps to help rural communities better access these loans. The Government Accountability Office must study how well these disaster loans are performing, including how often borrowers fail to repay them.

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