Bill · S. 3417· Senate(119-S-3417)
Main Street Lending Improvement Act of 2025
- Introduced
- 12/10/2025
- Last activity
- 12/10/2025 — Read twice and referred to the Committee on Small Business and Entrepreneurship.
- Sponsored by
- James Justice
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
The ``Main Street Lending Improvement Act of 2025'' directs the Comptroller General of the United States to conduct a study on the disbursement process for certain small business loans. The study focuses on the years between January 1, 2021, and December 31, 2024, across various covered regions. It specifically examines differences between portions of a region that are part of the Appalachian region and those that are not. The study involves analyzing loan application lengths, approval numbers, and dollar amounts. The Comptroller General is required to provide an interim briefing to Congress within one year of enactment. A final report containing results and recommendations must be submitted within two years.
Yes· 3 of 8
Would business owners be better off under this?+5
The bill focuses on improving the speed, accessibility, and communication of the loan process for small business owners.
Does this make it easier to run a small business?+5
The bill specifically directs a study to increase the accessibility of loans and reduce application processing times for small businesses.
Would people in rural areas be better off under this?+3
The study specifically includes a focus on the Appalachian region to compare its loan disbursement efficiency against other regions.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Accessibility: The report must include recommendations to increase the accessibility of small business loans (Section 2(d)(2)(B)(i)).
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Faster Fund Disbursement: The study seeks recommendations to decrease the average length of time it takes from submitting an application to receiving disbursed funds (Section s2(d)(2)(B)(ii)).
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Better Communication for Applicants: The final report is expected to include recommendations to increase the availability of information regarding application status, such as whether more information is needed and an estimate of when funds will be disbursed (Section 2(d)(2)(B)(iii)).
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Increased Government Efficiency: The Comptroller General is tasked with identifying ways to reduce government inefficiencies regarding the processing of small business loan applications (Section 2(d)(2)(B)(iv)).
Potential Negative Impacts for People
- No negative impacts are explicitly stated in the text of the bill.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+5Good For Rural Residents+3Good For White Americans+1
- Economy And Finance
- Improves Small Business Support+5Improves Economic Growth+2Increases Job Creation+2
- Governance And Ideology
- Improves Government Transparency+3
- Social Issues And Justice
- Improves Racial Equity+1
- 12/10/2025
- Read twice and referred to the Committee on Small Business and Entrepreneurship.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.