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H.R. 4238119th CongressPassed one chamberLatest action Jun 24, 2026Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
DLARA would force earlier SBA warnings and possible loan payout limits when disaster loan funding runs critically low.
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The bill requires the SBA to send Congress more detailed monthly reports on its disaster loan program and clearer warnings when funding runs low. It also sets rules for when funding drops below 10% of the historical average, allowing temporary limits on loan payouts until Congress adds more money, with delayed amounts paid within 14 days of new funding. It requires GAO and SBA Inspector General reports on loan patterns, rule changes, and a 2024 funding shortfall.
The SBA and its disaster loan program, plus congressional oversight committees, are directly affected.
Small businesses and homeowners relying on SBA disaster loans after hurricanes, floods, or other disasters could face payment delays during funding shortages, though earlier warnings aim to prevent unexpected gaps.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it passed the House, and the official record shows nothing new since. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 448.