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S. 4532119th CongressIn committeeLatest action May 14, 2026Decoded by AI · checked against the record
Official title: Small Business Wildfire Smoke Recovery Act
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
S 4532 adds wildfire smoke as a standalone disaster under the Small Business Act, opening SBA loan eligibility to smoke-affected businesses.
40-second read · 4 questions answered below
S 4532 amends the Small Business Act to add "smoke" as a qualifying disaster for SBA disaster loans. Currently, businesses must suffer direct fire damage to be eligible. This change would allow smoke-related losses alone — such as forced closures or lost customers — to qualify.
Small business owners in areas affected by heavy wildfire smoke are the primary group affected, particularly those in Western states such as California, Oregon, Nevada, and Washington. Customers, employees, and communities that rely on those businesses could also be indirectly affected.
Businesses harmed by wildfire smoke but not direct fire damage currently may not qualify for SBA disaster loans. If enacted, smoke-affected small businesses would have access to low-interest loans to help recover losses from smoke events.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: a Senate committee is reviewing it. If the House changes it, it goes back to the Senate before reaching the President.
Latest action: — Read twice and referred to the Committee on Small Business and Entrepreneurship.