504 Credit Risk Management Improvement Act of 2025

# 504 Credit Risk Management Improvement Act of 2025 - Summary **What the Bill Does:** This bill would modify how the Small Business Administration (SBA) manages credit risk for its 504 loan program, which helps small businesses finance real estate and equipment purchases. The legislation addresses administrative procedures, regulatory oversight, and fee structures related to how the SBA evaluates and manages the financial risks associated with these loans. **Who It Affects:** The bill primarily impacts small business owners who use or could benefit from the SBA's 504 lending program, as well as lenders and financial institutions that participate in the program. The SBA itself would also be affected through changes to how it operates and oversees these loans. **Current Status:** As of now, the bill (S.

2659) is in committee and has not yet been voted on by the full Senate. It was introduced by Senator Todd Young (R-IN) in the 119th Congress. The bill's specific provisions regarding what changes would be made to risk management practices are under committee review.