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Home Source documents Congressional Record, Senate, August 4, 2020 — Continuing the Paycheck Protection Program Act Amendment

Congressional Record, Senate, August 4, 2020 — Continuing the Paycheck Protection Program Act Amendment

Summary

Pages of the Congressional Record — Senate for August 4, 2020, starting at S4759, printing the text of amendment SA 2508, submitted by Mr. Rubio for himself and Ms. Collins to the bill S. 178 and ordered to lie on the table. The amendment's small business recovery section may be cited as the Continuing the Paycheck Protection Program Act. It would add covered operations expenditures, covered property damage costs, covered supplier costs and covered worker protection expenditures as allowable uses and forgivable costs under section 1106 of the CARES Act (15 U.S.C. 9005), add a lender hold harmless provision, and set a simplified forgiveness application for covered loans under $150,000 and for loans between $150,000 and $2,000,000. It would also add Paycheck Protection Program second draw loans to section 7(a) of the Small Business Act (15 U.S.C. 636(a)).

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Full text

                                               August 4, 2020                                    CONGRESSIONAL RECORD — SENATE                                                                     S4759
                                                 SA 2508. Mr. RUBIO (for himself and                     ‘‘(5) the term ‘covered supplier cost’ means         ments on covered worker protection expendi-
                                               Ms. COLLINS) submitted an amendment                     an expenditure made by an entity to a sup-             tures,’’ after ‘‘lease obligations,’’; and
                                               intended to be proposed by him to the                   plier of goods pursuant to a contract in ef-             (ii) in paragraph (3)(B), by inserting ‘‘make
                                                                                                       fect before February 15, 2020 for the supply of        payments on covered operations expendi-
                                               bill S. 178, to condemn gross human                     goods that are essential to the operations of          tures, make payments on covered property
                                               rights violations of ethnic Turkic Mus-                 the entity at the time at which the expendi-           damage costs, make payments on covered
                                               lims in Xinjiang, and calling for an end                ture is made;’’;                                       supplier costs, make payments on covered
                                               to arbitrary detention, torture, and                      (viii) by inserting after paragraph (8), as so       worker protection expenditures,’’ after ‘‘rent
                                               harassment of these communities in-                     redesignated, the following:                           obligation,’’.
                                               side and outside China; which was or-                     ‘‘(9) the term ‘covered worker protection              (e) LENDER SAFE HARBOR.—Subsection (h)
                                               dered to lie on the table; as follows:                  expenditure’—                                          of section 1106 of the CARES Act (15 U.S.C.
                                                                                                         ‘‘(A) means an operating or a capital ex-            9005) is amended to read as follows:
                                                 At the appropriate place, insert the fol-
                                                                                                       penditure that is required to facilitate the             ‘‘(h) HOLD HARMLESS.—
                                               lowing:                                                 adaptation of the business activities of an
                                               SEC. ll. SMALL BUSINESS RECOVERY.                                                                                ‘‘(1) IN GENERAL.—A lender may rely on
                                                                                                       entity to comply with requirements estab-              any certification or documentation sub-
                                                 (a) SHORT TITLE.—This section may           be        lished or guidance issued by the Department
                                               cited as the ‘‘Continuing the Paycheck Pro-                                                                    mitted by an applicant for a covered loan or
                                                                                                       of Health and Human Services, the Centers              an eligible recipient of a covered loan that—
                                               tection Program Act’’.                                  for Disease Control, or the Occupational
                                                  (b) DEFINITIONS.—In this section:                                                                             ‘‘(A) is submitted pursuant to any statu-
                                                                                                       Safety and Health Administration during the            tory requirement relating to covered loans
                                                  (1) ADMINISTRATION; ADMINISTRATOR.—The               period beginning on March 1, 2020 and ending
                                               terms ‘‘Administration’’ and ‘‘Adminis-                                                                        or any rule or guidance issued to carry out
                                                                                                       December 31, 2020 related to the maintenance           any action relating to covered loans; and
                                               trator’’ mean the Small Business Adminis-               of     standards     for   sanitation,    social
                                               tration and the Administrator thereof, re-                                                                       ‘‘(B) attests that the applicant or eligible
                                                                                                       distancing, or any other worker or customer            recipient, as applicable, has accurately
                                               spectively.                                             safety requirement related to COVID–19;
                                                  (2) SMALL BUSINESS CONCERN.—The term                                                                        verified any certification or documentation
                                                                                                         ‘‘(B) may include—                                   provided to the lender.
                                               ‘‘small business concern’’ has the meaning                ‘‘(i) the purchase, maintenance, or renova-
                                               given the term in section 3 of the Small                                                                         ‘‘(2) NO ENFORCEMENT ACTION.—With re-
                                                                                                       tion of assets that create or expand—                  spect to a lender that relies on a certifi-
                                               Business Act (15 U.S.C. 632).                             ‘‘(I) a drive-through window facility;
                                                  (c) EMERGENCY RULEMAKING AUTHORITY.—                                                                        cation or documentation described in para-
                                                                                                         ‘‘(II) an indoor, outdoor, or combined air or
                                               Not later than 30 days after the date of en-                                                                   graph (1)—
                                                                                                       air pressure ventilation or filtration system;
                                               actment of this Act, the Administrator shall                                                                     ‘‘(A) an enforcement action may not be
                                                                                                         ‘‘(III) a physical barrier such as a sneeze
                                               issue regulations to carry out this section                                                                    taken against the lender acting in good faith
                                                                                                       guard;
                                               and the amendments made by this section                                                                        relating to origination or forgiveness of a
                                                                                                         ‘‘(IV) an indoor, outdoor, or combined com-
                                               without regard to the notice requirements                                                                      covered loan based on such reliance; and
                                                                                                       mercial real property;
                                               under section 553(b) of title 5, United States                                                                   ‘‘(B) the lender acting in good faith shall
                                                                                                         ‘‘(V) an onsite or offsite health screening
                                               Code.                                                                                                          not be subject to any penalties relating to
                                                                                                       capability; or
                                                  (d) ADDITIONAL ELIGIBLE EXPENSES.—                                                                          origination or forgiveness of a covered loan
                                                                                                         ‘‘(VI) other assets relating to the compli-
                                                  (1) ALLOWABLE USE OF PPP LOAN.—Section                                                                      based on such reliance.’’.
                                                                                                       ance with the requirements or guidance de-
                                               7(a)(36)(F)(i) of the Small Business Act (15            scribed in subparagraph (A), as determined               (f) SELECTION OF COVERED PERIOD FOR FOR-
                                               U.S.C. 636(a)(36)(F)(i)) is amended—                                                                           GIVENESS.—Section 1106 of the CARES Act
                                                                                                       by the Administrator in consultation with
                                                  (A) in subclause (VI), by striking ‘‘and’’ at        the Secretary of Health and Human Services             (15 U.S.C. 9005) is amended—
                                               the end;                                                and the Secretary of Labor; and                          (1) by amending paragraph (4) of subsection
                                                  (B) in subclause (VII), by striking the pe-            ‘‘(ii) the purchase of—                              (a), as so redesignated by subsection (d) of
                                               riod at the end and inserting a semicolon;                ‘‘(I) covered materials described in section         this section, to read as follows:
                                               and                                                     328.103(a) of title 44, Code of Federal Regula-          ‘‘(4) the term ‘covered period’ means the
                                                  (C) by adding at the end the following:              tions, or any successor regulation;                    period—
                                                  ‘‘(VIII) covered operations expenditures, as           ‘‘(II) particulate filtering facepiece res-            ‘‘(A) beginning on the date of the origina-
                                               defined in section 1106(a) of the CARES Act             pirators approved by the National Institute            tion of a covered loan; and
                                               (15 U.S.C. 9005(a));                                    for Occupational Safety and Health, includ-              ‘‘(B) ending on a date selected by the eligi-
                                                  ‘‘(IX) covered property damage costs, as             ing those approved only for emergency use              ble recipient of the covered loan that occurs
                                               defined in such section 1106(a);                        authorization; or                                      during the period—
                                                  ‘‘(X) covered supplier costs, as defined in            ‘‘(III) other kinds of personal protective             ‘‘(i) beginning on the date that is 8 weeks
                                               such section 1106(a); and                               equipment, as determined by the Adminis-               after such date of origination; and
                                                  ‘‘(XI) covered worker protection expendi-            trator in consultation with the Secretary of             ‘‘(ii) ending on December 31, 2020;’’; and
                                               tures, as defined in such section 1106(a).’’.           Health and Human Services and the Sec-                   (2) by striking subsection (l).
                                                  (2) LOAN FORGIVENESS.—Section 1106 of the            retary of Labor; and                                     (g) SIMPLIFIED APPLICATION.—Section 1106
                                               CARES Act (15 U.S.C. 9005) is amended—                    ‘‘(C) does not include residential real prop-        of the CARES Act (15 U.S.C. 9005), as amend-
                                                  (A) in subsection (a)—                               erty or intangible property;’’; and                    ed by subsection (f) of this section, is amend-
                                                  (i) by redesignating paragraphs (6), (7), and          (ix) in paragraph (11), as so redesignated—          ed—
                                               (8) as paragraphs (10), (11), and (12), respec-           (I) in subparagraph (C), by striking ‘‘and’’           (1) in subsection (e), in the matter pre-
                                               tively;                                                 at the end;                                            ceding paragraph (1), by striking ‘‘An eligi-
                                                  (ii) by redesignating paragraph (5) as para-           (II) in subparagraph (D), by striking ‘‘and’’        ble’’ and inserting ‘‘Except as provided in
                                               graph (8);                                              at the end; and                                        subsection (l), an eligible’’;
                                                  (iii) by redesignating paragraph (4) as para-          (III) by adding at the end the following:              (2) in subsection (f), by inserting ‘‘or the
                                               graph (6);                                                ‘‘(E) covered operations expenditures;               information required under subsection (l), as
                                                  (iv) by redesignating paragraph (3) as para-           ‘‘(F) covered property damage costs;                 applicable’’ after ‘‘subsection (e)’’; and
                                               graph (4);                                                ‘‘(G) covered supplier costs; and                      (3) by adding at the end the following:
                                                  (v) by inserting after paragraph (2) the fol-          ‘‘(H) covered worker protection expendi-               ‘‘(l) SIMPLIFIED APPLICATION.—
                                               lowing:                                                 tures; and’’;                                            ‘‘(1) COVERED LOANS UNDER $150,000.—
                                                  ‘‘(3) the term ‘covered operations expendi-            (B) in subsection (b), by adding at the end            ‘‘(A) IN GENERAL.—Notwithstanding sub-
                                               ture’ means a payment for any business soft-            the following:                                         section (e), with respect to a covered loan
                                               ware or cloud computing service that facili-              ‘‘(5) Any covered operations expenditure.            made to an eligible recipient that is not
                                               tates business operations, product or service             ‘‘(6) Any covered property damage cost.              more than $150,000, the covered loan amount
                                               delivery, the processing, payment, or track-              ‘‘(7) Any covered supplier cost.                     shall be forgiven under this section if the eli-
                                               ing of payroll expenses, human resources,                 ‘‘(8) Any covered worker protection ex-              gible recipient—
                                               sales and billing functions, or accounting or           penditure.’’;                                            ‘‘(i) signs and submits to the lender an at-
                                               tracking of supplies, inventory, records and              (C) in subsection (d)(8), by inserting ‘‘any         testation that the eligible recipient made a
                                               expenses;’’;                                            payment on any covered operations expendi-             good faith effort to comply with the require-
                                                  (vi) by inserting after paragraph (4), as so         ture, any payment on any covered property              ments under section 7(a)(36) of the Small
                                               redesignated, the following:                            damage cost, any payment on any covered                Business Act (15 U.S.C. 636(a)(36)); and




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                                                  ‘‘(5) the term ‘covered property damage              supplier cost, any payment on any covered                ‘‘(ii) for the 1-year period following sub-
                                               cost’ means a cost related to property dam-             worker protection expenditure,’’ after ‘‘rent          mission of the attestation under clause (i),
                                               age and vandalism or looting due to public              obligation,’’; and                                     retains records relevant to the attestation
                                               disturbances that occurred during 2020 that               (D) in subsection (e)—                               that prove compliance with those require-
                                               was not covered by insurance or other com-                (i) in paragraph (2), by inserting ‘‘pay-            ments.
                                               pensation;’’;                                           ments on covered operations expenditures,                ‘‘(B) DEMOGRAPHIC INFORMATION.—An eligi-
                                                  (vii) by inserting after paragraph (6), as so        payments on covered property damage costs,             ble recipient of a covered loan described in
                                               redesignated, the following:                            payments on covered supplier costs, pay-               subparagraph (A) may complete and submit




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                                               S4760                                             CONGRESSIONAL RECORD — SENATE                                                            August 4, 2020
                                               any form related to borrower demographic                   ‘‘(iii) any substantial changes made to the            ‘‘(II) includes an organization described in
                                               information.                                            audit plan submitted under subparagraph                subparagraph (D)(vii) of paragraph (36) that
                                                  ‘‘(C) AUDIT.—The Administrator may—                  (A).’’.                                                is eligible to receive a loan under that para-
                                                  ‘‘(i) review and audit covered loans de-                (h) GROUP INSURANCE PAYMENTS AS PAY-                graph and that meets the requirements de-
                                               scribed in subparagraph (A); and                        ROLL                             COSTS.—Section        scribed in items (aa) and (cc) of subclause (I);
                                                  ‘‘(ii) in the case of fraud, ineligibility, or       7(a)(36)(A)(viii)(I)(aa)(EE) of the Small Busi-        and
                                               other material noncompliance with applica-              ness             Act          (15        U.S.C.           ‘‘(III) does not include—
                                               ble loan or loan forgiveness requirements,              636(a)(36)(A)(viii)(I)(aa)(EE)) is amended by             ‘‘(aa) an issuer, the securities of which are
                                               modify—                                                 inserting ‘‘and other group insurance’’ before         listed on an exchange registered a national
                                                  ‘‘(I) the amount of a covered loan described         ‘‘benefits’’.                                          securities exchange under section 6 of the
                                               in subparagraph (A); or                                    (i) PAYCHECK PROTECTION PROGRAM SECOND              Securities Exchange Act of 1934 (15 U.S.C.
                                                  ‘‘(II) the loan forgiveness amount with re-          DRAW LOANS.—Section 7(a) of the Small                  78f);
                                               spect to a covered loan described in subpara-           Business Act (15 U.S.C. 636(a)) is amended by             ‘‘(bb) any entity that—
                                               graph (A).                                              adding at the end the following:                          ‘‘(AA) is a type of business concern de-
                                                  ‘‘(2) COVERED LOANS BETWEEN $150,000 AND                ‘‘(37) PAYCHECK PROTECTION PROGRAM SEC-             scribed in subsection (b), (c), (d), (e), (f), (h),
                                               $2,000,000.—                                            OND DRAW LOANS.—                                       (l) (m), (p), (q), (r), or (s) of section 120.110 of
                                                  ‘‘(A) IN GENERAL.—Notwithstanding sub-                  ‘‘(A) DEFINITIONS.—In this paragraph—               title 13, Code of Federal Regulations, or any
                                               section (e), with respect to a covered loan                ‘‘(i) the terms ‘community financial insti-         successor regulation;
                                               made to an eligible recipient that is more              tutions’, ‘credit union’, ‘eligible self-em-              ‘‘(BB) is a type of business concern de-
                                               than $150,000 and not more than $2,000,000—             ployed individual’, ‘insured depository insti-         scribed in section 120.110(g) of title 13, Code
                                                  ‘‘(i) the eligible recipient seeking loan for-       tution’, ‘nonprofit organization’, ‘payroll            of Federal Regulations, or any successor reg-
                                               giveness under this section—                            costs’, ‘seasonal employer’, and ‘veterans or-         ulation, except as otherwise provided in the
                                                  ‘‘(I) is not required to submit the sup-             ganization’ have the meanings given those              interim final rule of the Administration en-
                                               porting documentation described in para-                terms in paragraph (36), except that ‘eligible         titled ‘Business Loan Program Temporary
                                               graph (1) or (2) of subsection (e) or the cer-          entity’ shall be substituted for ‘eligible re-         Changes; Paycheck Protection Program—Ad-
                                               tification described in subsection (e)(3)(A);           cipient’ each place it appears in the defini-          ditional Eligibility Criteria and Require-
                                                  ‘‘(II) shall retain all relevant schedules,          tions of those terms;                                  ments for Certain Pledges of Loans’ (85 Fed.
                                               worksheets, and supporting documentation                   ‘‘(ii) the term ‘covered loan’ means a loan         Reg. 21747 (April 20, 2020));
                                               for the 3-year period following submission of           made under this paragraph;                                ‘‘(CC) is a type of business concern de-
                                               the application for loan forgiveness; and                  ‘‘(iii) the terms ‘covered mortgage obliga-         scribed in section 120.110(i) of title 13, Code of
                                                  ‘‘(III) may complete and submit any form             tion’, ‘covered operating expenditure’, ‘cov-          Federal Regulations, or any successor regu-
                                               related to borrower demographic informa-                ered property damage cost’, ‘covered rent ob-          lation, except if the business concern is an
                                               tion;                                                   ligation’, ‘covered supplier cost’, ‘covered           organization        described      in    paragraph
                                                  ‘‘(ii) review by the lender of an application        utility payment’, and ‘covered worker pro-             (36)(D)(vii);
                                               submitted by the eligible recipient for loan            tection expenditure’ have the meanings                    ‘‘(DD) is a type of business concern de-
                                               forgiveness under this section shall be lim-            given those terms in section 1106(a) of the            scribed in section 120.110(j) of title 13, Code of
                                               ited to whether the lender received a com-              CARES Act (15 U.S.C. 9005(a));                         Federal Regulations, or any successor regu-
                                               plete application, with all fields completed,              ‘‘(iv) the term ‘covered period’ means the          lation, except as otherwise provided in the
                                               initialed, or signed, as applicable; and                period beginning on the date of the origina-           interim final rules of the Administration en-
                                                  ‘‘(iii) the lender shall—                            tion of a covered loan and ending on Decem-            titled ‘Business Loan Program Temporary
                                                  ‘‘(I) accept the application submitted by            ber 31, 2020;                                          Changes; Paycheck Protection Program—
                                               the eligible recipient for loan forgiveness                ‘‘(v) the term ‘eligible entity’—                   Eligibility of Certain Electric Cooperatives’
                                               under this section; and                                    ‘‘(I) means any business concern, nonprofit         (85 Fed. Reg. 29847 (May 19, 2020)) and ‘Busi-
                                                  ‘‘(II) submit the application to the Admin-          organization, veterans organization, Tribal            ness Loan Program Temporary Changes;
                                               istrator.                                               business concern, eligible self-employed indi-         Paycheck Protection Program—Eligibility
                                                  ‘‘(B) AUDIT.—The Administrator may—                  vidual, sole proprietor, independent con-              of Certain Telephone Cooperatives’ (85 Fed.
                                                  ‘‘(i) review and audit covered loans de-             tractor, or small agricultural cooperative             Reg. 35550 (June 11, 2020)) or any other guid-
                                               scribed in subparagraph (A); and                        that—                                                  ance or rule issued or that may be issued by
                                                  ‘‘(ii) in the case of fraud, ineligibility, or          ‘‘(aa)(AA) with respect to a business con-          the Administrator;
                                               other material noncompliance with applica-              cern, would qualify as a small business con-              ‘‘(EE) is a type of business concern de-
                                               ble loan or loan forgiveness requirements,              cern by the annual receipts size standard (if          scribed in section 120.110(n) of title 13, Code
                                               modify—                                                 applicable) established by section 121.201 of          of Federal Regulations, or any successor reg-
                                                  ‘‘(I) the amount of a covered loan described         title 13, Code of Federal Regulations, or any          ulation, except as otherwise provided in the
                                               in subparagraph (A); or                                 successor regulation; or                               interim final rule of the Administration en-
                                                  ‘‘(II) the loan forgiveness amount with re-             ‘‘(BB) if the entity does not qualify as a          titled ‘Business Loan Program Temporary
                                               spect to a covered loan described in subpara-           small business concern, meets the alter-               Changes; Paycheck Protection Program—Ad-
                                               graph (A).                                              native size standard established under sec-            ditional Eligibility Revisions to First In-
                                                  ‘‘(3) AUDIT PLAN.—                                   tion 3(a)(5);                                          terim Final Rule’ (85 Fed. Reg. 38301 (June
                                                  ‘‘(A) IN GENERAL.—Not later than 30 days                ‘‘(bb) employs not more than 300 employ-            26, 2020)) or any other guidance or rule issued
                                               after the date of enactment of the Con-                 ees; and                                               or that may be issued by the Administrator;
                                               tinuing the Paycheck Protection Program                    ‘‘(cc)(AA) except as provided in subitems              ‘‘(FF) is a type of business concern de-
                                               Act, the Administrator shall submit to the              (BB), (CC), and (DD), had gross receipts dur-          scribed in section 120.110(o) of title 13, Code
                                               Committee on Small Business and Entrepre-               ing the first or second quarter in 2020 that           of Federal Regulations, or any successor reg-
                                               neurship of the Senate and the Committee                are not less than 35 percent less than the             ulation, except as otherwise provided in any
                                               on Small Business of the House of Represent-            gross receipts of the entity during the same           guidance or rule issued or that may be issued
                                               atives an audit plan that details—                      quarter in 2019;                                       by the Administrator; or
                                                  ‘‘(i) the policies and procedures of the Ad-            ‘‘(BB) if the entity was not in business dur-          ‘‘(GG) is an entity that is organized for re-
                                               ministrator for conducting reviews and au-              ing the first or second quarter of 2019, but           search or for engaging in advocacy in areas
                                               dits of covered loans; and                              was in business during the third and fourth            such as public policy or political strategy or
                                                  ‘‘(ii) the metrics that the Administrator            quarter of 2019, had gross receipts during the         otherwise describes itself as a think tank in
                                               shall use to determine which covered loans              first or second quarter of 2020 that are less          any public documents;
                                               will be audited for each category of covered            than 35 percent of the amount of the gross                ‘‘(HH) is an entity that would be described
                                               loans described in paragraphs (1) and (2).              receipts of the entity during the third or             in the subsections listed in subitems (AA)
                                                  ‘‘(B) REPORTS.—Not later than 30 days                fourth quarter of 2019;                                through (GG) if the entity were a business
                                               after the date on which the Administrator                  ‘‘(CC) if the entity was not in business dur-       concern; or
                                               submits the audit plan required under sub-              ing the first, second, or third quarter of 2019,          ‘‘(II) is assigned, or was approved for a loan
                                               paragraph (A), and each month thereafter,               but was in business during the fourth quarter          under paragraph (36) with, a North American
                                               the Administrator shall submit to the Com-              of 2019, had gross receipts during the first or        Industry Classification System code begin-
                                               mittee on Small Business and Entrepreneur-              second quarter of 2020 that are less than 35           ning with 52;
                                               ship of the Senate and the Committee on                 percent of the amount of the gross receipts               ‘‘(cc) any business concern or entity pri-




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                                               Small Business of the House of Representa-              of the entity during the fourth quarter of             marily engaged in political or lobbying ac-
                                               tives a report on the review and audit activi-          2019; or                                               tivities, which shall include any entity that
                                               ties of the Administrator under this sub-                  ‘‘(DD) if the entity was not in business dur-       is organized for research or for engaging in
                                               section, which shall include—                           ing 2019, but was in operation on February             advocacy in areas such as public policy or
                                                  ‘‘(i) the number of active reviews and au-           15, 2020, had gross receipts during the second         political strategy or otherwise describes
                                               dits;                                                   quarter of 2020 that are less than 35 percent          itself as a think tank in any public docu-
                                                  ‘‘(ii) the number of reviews and audits that         of the amount of the gross receipts of the en-         ments; or
                                               have been ongoing for more than 60 days; and            tity during the first quarter of 2020;                    ‘‘(dd) any business concern or entity—




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                                               August 4, 2020                                    CONGRESSIONAL RECORD — SENATE                                                                        S4761
                                                 ‘‘(AA) for which an entity created in or or-          section for the eligible entity (including any            ‘‘(I) the amount described in clause (ii);
                                               ganized under the laws of the People’s Re-              affiliates) shall not exceed $10,000,000.              and
                                               public of China or the Special Administra-                ‘‘(D) EXCEPTION FROM CERTAIN CERTIFI-                   ‘‘(II) the amount equal to the quotient ob-
                                               tive Region of Hong Kong, or that has sig-              CATION REQUIREMENTS.—An eligible entity                tained by dividing—
                                               nificant operations in the People’s Republic            applying for a covered loan shall not be re-              ‘‘(aa) the amount of the covered loan used
                                               of China or the Special Administrative Re-              quired to make the certification described in          for payroll costs during the covered period;
                                               gion of Hong Kong, owns or holds, directly or           subclause (III) or (IV) of paragraph (36)(G)(i).       and
                                               indirectly, not less than 20 percent of the               ‘‘(E) FEE WAIVER.—With respect to a cov-                ‘‘(bb) 0.60.
                                               economic interest of the business concern or            ered loan—                                                ‘‘(I) LENDER ELIGIBILITY.—Except as other-
                                               entity, including as equity shares or a cap-              ‘‘(i) in lieu of the fee otherwise applicable        wise provided in this paragraph, a lender ap-
                                               ital or profit interest in a limited liability          under paragraph (23)(A), the Administrator             proved to make loans under paragraph (36)
                                               company or partnership; or                              shall collect no fee; and                              may make covered loans under the same
                                                 ‘‘(BB) that retains, as a member of the                 ‘‘(ii) in lieu of the fee otherwise applicable       terms and conditions as in paragraph (36).
                                               board of directors of the business concern, a           under paragraph (18)(A), the Administrator                ‘‘(J) REIMBURSEMENT FOR LOAN PROCESSING
                                               person who is a resident of the People’s Re-            shall collect no fee.                                  AND SERVICING.—The Administrator shall re-
                                               public of China;                                          ‘‘(F) ELIGIBLE CHURCHES AND RELIGIOUS OR-            imburse a lender authorized to make a cov-
                                                 ‘‘(vi) the terms ‘exchange’, ‘issuer’, and ‘se-       GANIZATIONS.—                                          ered loan in an amount that is—
                                               curity’ have the meanings given those terms               ‘‘(i) SENSE OF CONGRESS.—It is the sense of             ‘‘(i) 3 percent of the principal amount of
                                               in section 3(a) of the Securities Exchange              Congress that the interim final rule of the            the financing of the covered loan up to
                                               Act of 1934 (15 U.S.C. 78c(a)); and                     Administration entitled ‘Business Loan Pro-            $350,000; and
                                                 ‘‘(vii) the term ‘Tribal business concern’            gram Temporary Changes; Paycheck Protec-                  ‘‘(ii) 1 percent of the principal amount of
                                               means a Tribal business concern described in            tion Program’ (85 Fed. Reg. 20817 (April 15,           the financing of the covered loan above
                                               section 31(b)(2)(C).                                    2020)) properly clarified the eligibility of           $350,000, if applicable.
                                                 ‘‘(B) LOANS.—Except as otherwise provided             churches and religious organizations for                  ‘‘(K) SET ASIDE FOR SMALL ENTITIES.—Not
                                               in this paragraph, the Administrator may                loans made under paragraph (36).                       less than $25,000,000,000 of the total amount
                                               guarantee covered loans to eligible entities              ‘‘(ii) APPLICABILITY OF PROHIBITION.—The             of covered loans guaranteed by the Adminis-
                                               under the same terms, conditions, and proc-             prohibition on eligibility established by sec-         trator shall be made to eligible entities with
                                               esses as a loan made under paragraph (36).              tion 120.110(k) of title 13, Code of Federal           not more than 10 employees as of February
                                                 ‘‘(C) MAXIMUM LOAN AMOUNT.—                           Regulations, or any successor regulation,              15, 2020.
                                                 ‘‘(i) IN GENERAL.—Except as otherwise pro-            shall not apply to a covered loan.                        ‘‘(L) SET ASIDE FOR COMMUNITY FINANCIAL
                                               vided in this subparagraph, the maximum                   ‘‘(G) GROSS RECEIPTS FOR NONPROFIT AND               INSTITUTIONS, SMALL INSURED DEPOSITORY IN-
                                               amount of a covered loan made to an eligible            VETERANS ORGANIZATIONS.—For purposes of                STITUTIONS, CREDIT UNIONS, AND FARM CREDIT
                                               entity is the lesser of—                                calculating gross receipts under subpara-              SYSTEM        INSTITUTIONS.—Not       less     than
                                                 ‘‘(I) the product obtained by multiplying—            graph (A)(v)(I)(cc) for an eligible entity that        $10,000,000,000 of the total amount of covered
                                                 ‘‘(aa) at the election of the eligible entity,        is a nonprofit organization, a veterans orga-          loans guaranteed by the Administrator shall
                                               the average total monthly payment for pay-              nization, or an organization described in sub-         be made by—
                                               roll costs incurred or paid by the eligible en-         paragraph (A)(v)(II), gross receipts—                     ‘‘(i) community financial institutions;
                                               tity during—                                              ‘‘(i) shall include proceeds from fund-                 ‘‘(ii) insured depository institutions with
                                                 ‘‘(AA) the 1-year period before the date on           raising events, federated campaigns, gifts,            consolidated        assets    of     less      than
                                               which the loan is made; or                              donor-advised funds, and funds from similar            $10,000,000,000;
                                                 ‘‘(BB) calendar year 2019; by                         sources; and                                              ‘‘(iii) credit unions with consolidated as-
                                                 ‘‘(bb) 2.5; or                                          ‘‘(ii) shall not include—                            sets of less than $10,000,000,000; and
                                                 ‘‘(II) $2,000,000.                                      ‘‘(I) Federal grants (excluding any loan for-           ‘‘(iv) institutions of the Farm Credit Sys-
                                                 ‘‘(ii) SEASONAL EMPLOYERS.—The maximum                giveness on loans received under paragraph             tem chartered under the Farm Credit Act of
                                               amount of a covered loan made to an eligible            (36) or this paragraph);                               1971 (12 U.S.C. 2001 et seq.) with consolidated
                                               entity that is a seasonal employer is the                 ‘‘(II) revenues from a supporting organiza-          assets of less than $10,000,000,000 (not includ-
                                               lesser of—                                              tion;                                                  ing the Federal Agricultural Mortgage Cor-
                                                 ‘‘(I) the product obtained by multiplying—              ‘‘(III) grants from private foundations that         poration).
                                                 ‘‘(aa) at the election of the eligible entity,        are disbursed over the course of more than 1              ‘‘(M) PUBLICATION OF GUIDANCE.—Not later
                                               the average total monthly payments for pay-             calendar year; or                                      than 10 days after the date of enactment of
                                               roll costs incurred or paid by the eligible en-           ‘‘(IV) any contribution of property other            this paragraph, the Administrator shall issue
                                               tity—                                                   than money, stocks, bonds, and other securi-           guidance addressing barriers to accessing
                                                 ‘‘(AA) for a 12-week period beginning Feb-            ties, provided that the non-cash contribution          capital for minority, underserved, veteran,
                                               ruary 15, 2019 or March 1, 2019 and ending              is not sold by the organization in a trans-            and women-owned business concerns for the
                                               June 30, 2019; or                                       action unrelated to the tax-exempt purpose             purpose of ensuring equitable access to cov-
                                                 ‘‘(BB) for a consecutive 12-week period be-           of the organization.                                   ered loans.
                                               tween May 1, 2019 and September 15, 2019; by              ‘‘(H) LOAN FORGIVENESS.—                                ‘‘(N) STANDARD OPERATING PROCEDURE.—
                                                 ‘‘(bb) 2.5; or                                          ‘‘(i) IN GENERAL.—Except as otherwise pro-           The Administrator shall, to the maximum
                                                 ‘‘(II) $2,000,000.                                    vided in this subparagraph, an eligible entity         extent practicable, allow a lender approved
                                                 ‘‘(iii)    NEW     ENTITIES.—The   maximum            shall be eligible for forgiveness of indebted-         to make covered loans to use existing pro-
                                               amount of a covered loan made to an eligible            ness on a covered loan in the same manner              gram guidance and standard operating proce-
                                               entity that did not exist during the 1-year             as an eligible recipient with respect to a loan        dures for loans made under this subsection.
                                               period preceding February 15, 2020 is the less-         made under paragraph (36), as described in                ‘‘(O) PROHIBITION ON USE OF PROCEEDS FOR
                                               er of—                                                  section 1106 of the CARES Act (15 U.S.C.               LOBBYING ACTIVITIES.—None of the proceeds
                                                 ‘‘(I) the product obtained by multiplying—            9005).                                                 of a covered loan may be used for—
                                                 ‘‘(aa) the quotient obtained by dividing—               ‘‘(ii) FORGIVENESS AMOUNT.—An eligible en-              ‘‘(i) lobbying activities, as defined in sec-
                                                 ‘‘(AA) the sum of the total monthly pay-              tity shall be eligible for forgiveness of in-          tion 3 of the Lobbying Disclosure Act of 1995
                                               ments by the eligible entity for payroll costs          debtedness on a covered loan in an amount              (2 U.S.C. 1602);
                                               paid or incurred by the eligible entity as of           equal to the sum of the following costs in-               ‘‘(ii) lobbying expenditures related to a
                                               the date on which the eligible entity applies           curred or expenditures made during the cov-            State or local election; or
                                               for the covered loan; by                                ered period:                                              ‘‘(iii) expenditures designed to influence
                                                 ‘‘(BB) the number of months in which                    ‘‘(I) Payroll costs.                                 the enactment of legislation, appropriations,
                                               those payroll costs were paid or incurred; by             ‘‘(II) Any payment of interest on any cov-           regulation, administrative action, or Execu-
                                                 ‘‘(bb) 2.5; or                                        ered mortgage obligation (which shall not in-          tive order proposed or pending before Con-
                                                 ‘‘(II) $2,000,000.                                    clude any prepayment of or payment of prin-            gress or any State government, State legis-
                                                 ‘‘(iv) LIMIT FOR MULTIPLE LOCATIONS.—With             cipal on a covered mortgage obligation).               lature, or local legislature or legislative
                                               respect to an eligible entity with more than              ‘‘(III) Any covered operations expenditure.          body.’’.
                                               1 physical location, the total amount of all              ‘‘(IV) Any covered property damage cost.                (j) CONTINUED ACCESS TO THE PAYCHECK
                                               covered loans shall be not more than                      ‘‘(V) Any payment on any covered rent ob-            PROTECTION PROGRAM.—
                                               $2,000,000.                                             ligation.                                                 (1) IN GENERAL.—Section 7(a)(36)(E)(ii) of




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                                                 ‘‘(v) LOAN NUMBER LIMITATION.—An eligible               ‘‘(VI) Any covered utility payment.                  the      Small    Business    Act     (15     U.S.C.
                                               entity may only receive 1 covered loan.                   ‘‘(VII) Any covered supplier cost.                   636(a)(36)(E)(ii)) is amended by striking
                                                 ‘‘(vi) 90 DAY RULE FOR MAXIMUM LOAN                     ‘‘(VIII) Any covered worker protection ex-           ‘‘$10,000,000’’ and inserting ‘‘$2,000,000’’.
                                               AMOUNT.—The         maximum aggregate loan              penditure.                                                (2) APPLICABILITY OF MAXIMUM LOAN
                                               amount of loans guaranteed under this sub-                ‘‘(iii) LIMITATION ON FORGIVENESS FOR ALL            AMOUNT CALCULATION.—
                                               section that are approved for an eligible en-           ELIGIBLE ENTITIES.—The forgiveness amount                 (A) DEFINITIONS.—In this paragraph, the
                                               tity (including any affiliates) within 90 days          under this subparagraph shall be equal to the          terms ‘‘covered loan’’ and ‘‘eligible recipi-
                                               of approval of another loan under this sub-             lesser of—                                             ent’’ have the meanings given those terms in




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                                               S4762                                             CONGRESSIONAL RECORD — SENATE                                                           August 4, 2020
                                               section 7(a)(36) of the Small Business Act (15          vided by 12, shall be added to the sum cal-              (I) in subclause (I), by striking ‘‘and’’ at
                                               U.S.C. 636(a)(36)).                                     culated under subparagraph (E)(i)(I).                  the end;
                                                  (B) APPLICABILITY.—The amendment made                   ‘‘(iv) RECALCULATION.—A lender that made              (II) in subclause (II), by striking the period
                                               by paragraph (1) shall apply only with re-              a covered loan to a covered recipient before           at the end and inserting ‘‘; and’’; and
                                               spect to a covered loan applied for by an eli-          the date of enactment of this subparagraph               (III) by adding at the end the following:
                                               gible recipient on or after the date of enact-          may, at the request of the covered recipi-               ‘‘(III) institutions of the Farm Credit Sys-
                                               ment of this Act.                                       ent—                                                   tem chartered under the Farm Credit Act of
                                                  (k) INCREASED ABILITY FOR PAYCHECK PRO-                 ‘‘(I) recalculate the maximum loan amount           1971 (12 U.S.C. 2001 et seq.) with consolidated
                                               TECTION PROGRAM BORROWERS TO REQUEST AN                 applicable to that covered loan based on the           assets of not less than $10,000,000,000 and less
                                               INCREASE IN LOAN AMOUNT DUE TO UPDATED                  formula described in clause (ii) or (iii), as ap-      than $50,000,000,000.’’; and
                                               REGULATIONS.—                                           plicable, if doing so would result in a larger           (ii) in clause (ii)—
                                                  (1) DEFINITIONS.—In this subsection, the             covered loan amount; and                                 (I) in subclause (II), by striking ‘‘and’’ at
                                               terms ‘‘covered loan’’ and ‘‘eligible recipi-              ‘‘(II) provide the covered recipient with ad-       the end;
                                               ent’’ have the meanings given those terms in            ditional covered loan amounts based on that              (II) in subclause (III), by striking the pe-
                                               section 7(a)(36) of the Small Business Act (15          recalculation.’’.                                      riod at the end and inserting ‘‘; and’’; and
                                               U.S.C. 636(a)(36)).                                        (m) FARM CREDIT SYSTEM INSTITUTIONS.—                 (III) by adding at the end the following:
                                                  (2) INCREASED AMOUNT.—Notwithstanding                   (1) DEFINITION OF FARM CREDIT SYSTEM IN-              ‘‘(IV) institutions of the Farm Credit Sys-
                                                                                                       STITUTION.—In this subsection, the term                tem chartered under the Farm Credit Act of
                                               the interim final rule issued by the Adminis-
                                                                                                       ‘‘Farm Credit System institution’’—                    1971 (12 U.S.C. 2001 et seq.) with consolidated
                                               tration entitled ‘‘Business Loan Program
                                                                                                          (A) means an institution of the Farm Cred-          assets of less than $10,000,000,000.’’.
                                               Temporary Changes; Paycheck Protection
                                                                                                       it System chartered under the Farm Credit
                                               Program—Loan Increases’’ (85 Fed. Reg.                                                                           (n) DEFINITION OF SEASONAL EMPLOYER.—
                                                                                                       Act of 1971 (12 U.S.C. 2001 et seq.); and
                                               29842 (May 19, 2020)), an eligible recipient of                                                                  (1) PPP LOANS.—Section 7(a)(36)(A) of the
                                                                                                          (B) does not include the Federal Agricul-
                                               a covered loan that is eligible for an in-                                                                     Small Business Act (15 U.S.C. 636(a)(36)(A)) is
                                                                                                       tural Mortgage Corporation.
                                               creased covered loan amount as a result of                                                                     amended—
                                                                                                          (2) FACILITATION OF PARTICIPATION IN PPP
                                               any interim final rule that allows for cov-                                                                      (A) in clause (xi), by striking ‘‘and’’ at the
                                                                                                       AND SECOND DRAW LOANS.—
                                               ered loan increases may submit a request for                                                                   end;
                                                                                                          (A) APPLICABLE RULES.—Solely with re-
                                               an increase in the covered loan amount even                                                                      (B) in clause (xii), by striking the period at
                                                                                                       spect to loans under paragraphs (36) and (37)
                                               if—                                                     of section 7(a) of the Small Business Act (15          the end and inserting ‘‘; and’’; and
                                                  (A) the initial covered loan amount has              U.S.C. 636(a)), Farm Credit Administration               (C) by adding at the end the following:
                                               been fully disbursed; or                                regulations and guidance issued as of July               ‘‘(xiii) the term ‘seasonal employer’ means
                                                  (B) the lender of the initial covered loan           14, 2020, and compliance with such regula-             an eligible recipient that—
                                               has submitted to the Administration a Form              tions and guidance, shall be deemed func-                ‘‘(I) does not operate for more than 7
                                               1502 report related to the covered loan.                tionally equivalent to requirements ref-               months in any calendar year; or
                                                  (l) CALCULATION OF MAXIMUM LOAN AMOUNT               erenced in section 3(a)(iii)(II) of the interim          ‘‘(II) during the preceding calendar year,
                                               FOR FARMERS AND RANCHERS UNDER THE PAY-                 final rule of the Administration entitled              had gross receipts for any 6 months of that
                                               CHECK PROTECTION PROGRAM.—                              ‘‘Business      Loan     Program      Temporary        year that were not more than 33.33 percent of
                                                  (1) IN GENERAL.—Section 7(a)(36) of the              Changes; Paycheck Protection Program’’ (85             the gross receipts of the employer for the
                                               Small Business Act (15 U.S.C. 636(a)(36)), as           Fed. Reg. 20811 (April 15, 2020)) or any similar       other 6 months of that year.’’.
                                               amended by subsection (j) of this section, is           requirement referenced in that interim final             (2) LOAN FORGIVENESS.—Paragraph (12) of
                                               amended—                                                rule in implementing such paragraph (37).              section 1106(a) of the CARES Act (15 U.S.C.
                                                  (A) in subparagraph (E), in the matter pre-             (B) APPLICABILITY OF CERTAIN LOAN RE-               9005(a)), as so redesignated by subsection
                                               ceding clause (i), by striking ‘‘During’’ and           QUIREMENTS.—For purposes of making loans               (d)(2) of this section, is amended to read as
                                               inserting ‘‘Except as provided in subpara-              under paragraph (36) or (37) of section 7(a) of        follows:
                                               graph (T), during’’; and                                the Small Business Act (15 U.S.C. 636(a)) or             ‘‘(12) the terms ‘payroll costs’ and ‘sea-
                                                  (B) by adding at the end the following:              forgiving those loans in accordance with sec-          sonal employer’ have the meanings given
                                                  ‘‘(T) CALCULATION OF MAXIMUM LOAN                    tion 1106 of the CARES Act (15 U.S.C. 9005)            those terms in section 7(a)(36) of the Small
                                               AMOUNT FOR FARMERS AND RANCHERS.—                       and subparagraph (H) of such paragraph (37),           Business Act (15 U.S.C. 636(a)(36)).’’.
                                                  ‘‘(i) DEFINITION.—In this subparagraph, the          sections 4.13, 4.14, and 4.14A of the Farm
                                               term ‘covered recipient’ means an eligible                                                                       (o) ELIGIBILITY OF 501(C)(6) ORGANIZATIONS
                                                                                                       Credit Act of 1971 (12 U.S.C. 2199, 2202, 2202a)
                                               recipient that—                                         (including regulations issued under those              FOR LOANS UNDER THE PAYCHECK PROTECTION
                                                  ‘‘(I) operates as a sole proprietorship or as        sections) shall not apply.                             PROGRAM.—Section 7(a)(36)(D) of the Small
                                               an independent contractor, or is an eligible               (C) RISK WEIGHT.—                                   Business Act (15 U.S.C. 636(a)(36)(D)) is
                                               self-employed individual;                                  (i) IN GENERAL.—With respect to the appli-          amended—
                                                  ‘‘(II) reports farm income or expenses on a          cation of Farm Credit Administration cap-                 (1) in clause (v), by inserting ‘‘or whether
                                               Schedule F (or any equivalent successor                 ital requirements, a loan described in clause          an organization described in clause (vii) em-
                                               schedule); and                                          (ii)—                                                  ploys not more than 150 employees,’’ after
                                                  ‘‘(III) was in business during the period be-           (I) shall receive a risk weight of zero per-        ‘‘clause (i)(I),’’;
                                               ginning on February 15, 2019 and ending on              cent; and                                                 (2) in clause (vi), by inserting ‘‘, an organi-
                                               June 30, 2019.                                             (II) shall not be included in the calculation       zation described in clause (vii),’’ after ‘‘non-
                                                  ‘‘(ii) NO EMPLOYEES.—With respect to cov-            of any applicable leverage ratio or other ap-          profit organization’’; and
                                               ered recipient without employees, the max-              plicable capital ratio or calculation.                    (3) by adding at the end the following:
                                               imum covered loan amount shall be the less-                (ii) LOANS DESCRIBED.—A loan referred to               ‘‘(vii) ELIGIBILITY FOR CERTAIN 501(C)(6) OR-
                                               er of—                                                  in clause (i) is—                                      GANIZATIONS.—
                                                  ‘‘(I) the sum of—                                       (I) a loan made by a Farm Credit Bank de-              ‘‘(I) IN GENERAL.—Except as provided in
                                                  ‘‘(aa) the product obtained by multi-                scribed in section 1.2(a) of the Farm Credit           subclause (II), any organization that is de-
                                               plying—                                                 Act of 1971 (12 U.S.C. 2002(a)) to a Federal           scribed in section 501(c)(6) of the Internal
                                                  ‘‘(AA) the gross income of the covered re-           Land Bank Association, a Production Credit             Revenue Code and that is exempt from tax-
                                               cipient in 2019, as reported on a Schedule F            Association, or an agricultural credit asso-           ation under section 501(a) of such Code (ex-
                                               (or any equivalent successor schedule), that            ciation described in that section to make              cluding professional sports leagues and orga-
                                               is not more than $100,000, divided by 12; and           loans under paragraph (36) or (37) of section          nizations with the purpose of promoting or
                                                  ‘‘(BB) 2.5; and                                      7(a) of the Small Business Act (15 U.S.C.              participating in a political campaign or
                                                  ‘‘(bb) the outstanding amount of a loan              636(a)) or forgive those loans in accordance           other activity) shall be eligible to receive a
                                               under subsection (b)(2) that was made during            with section 1106 of the CARES Act (15                 covered loan if—
                                               the period beginning on January 31, 2020 and            U.S.C. 9005) and subparagraph (H) of such                 ‘‘(aa) the organization does not receive
                                               ending on April 3, 2020 that the borrower in-           paragraph (37); or                                     more than 10 percent of its receipts from lob-
                                               tends to refinance under the covered loan,                 (II) a loan made by a Federal Land Bank             bying activities;
                                               not including any amount of any advance                 Association, a Production Credit Associa-                 ‘‘(bb) the lobbying activities of the organi-
                                               under the loan that is not required to be re-           tion, an agricultural credit association, or           zation do not comprise more than 10 percent
                                               paid; or                                                the bank for cooperatives described in sec-            of the total activities of the organization;




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                                                  ‘‘(II) $2,000,000.                                   tion 1.2(a) of the Farm Credit Act of 1971 (12         and
                                                  ‘‘(iii) WITH EMPLOYEES.—With respect to a            U.S.C. 2002(a)) under paragraph (36) or (37) of           ‘‘(cc) the organization employs not more
                                               covered recipient with employees, the max-              section 7(a) of the Small Business Act (15             than 150 employees.
                                               imum covered loan amount shall be cal-                  U.S.C. 636(a)).                                           ‘‘(II) DESTINATION MARKETING ORGANIZA-
                                               culated using the formula described in sub-                (D) RESERVATION OF LOAN GUARANTEES.—                TIONS.—Notwithstanding subclause (I), dur-
                                               paragraph (E), except that the gross income             Section 7(a)(36)(S) of the Small Business Act          ing the covered period, any destination mar-
                                               of the covered recipient described in clause            (15 U.S.C. 636(a)(36)(S)) is amended—                  keting organization shall be eligible to re-
                                               (ii)(I)(aa)(AA) of this subparagraph, as di-               (i) in clause (i)—                                  ceive a covered loan if—




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                                               August 4, 2020                                    CONGRESSIONAL RECORD — SENATE                                                                      S4763
                                                 ‘‘(aa) the destination marketing organiza-            Code, is amended by adding at the end the                 (A) IN GENERAL.—Except as provided in
                                               tion does not receive more than 10 percent of           following:                                             subparagraph (B), on and after the date of
                                               its receipts from lobbying activities;                    ‘‘(f) SPECIAL PROVISION RELATED TO                   enactment of this Act, the Administrator
                                                 ‘‘(bb) the lobbying activities of the destina-        COVID–19 PANDEMIC.—Notwithstanding sec-                shall comply with any data or information
                                               tion marketing organization do not comprise             tion 1129(a)(9)(A) of this title and subsection        requests or inquiries made by the Comp-
                                               more than 10 percent of the total activities            (e) of this section, a plan that provides for          troller General of the United States not later
                                               of the organization;                                    payment of a claim of a kind specified in sec-         than 30 days (or such later date as the Comp-
                                                 ‘‘(cc) the destination marketing organiza-            tion 503(b)(10) of this title may be confirmed         troller General may specify) after receiving
                                               tion employs not more than 150 employees;               under subsection (b) of this section if the            the request or inquiry.
                                               and                                                     plan proposes to make payments on account                 (B) EXCEPTION.—If the Administrator is un-
                                                 ‘‘(dd) the destination marketing organiza-            of such claim when due under the terms of              able to comply with a request or inquiry de-
                                               tion—                                                   the loan giving rise to such claim.’’.                 scribed in subparagraph (A) within the 30-
                                                 ‘‘(AA) is described in section 501(c) of the            (4) CONFIRMATION OF PLAN FOR FAMILY                  day period or, if applicable, later period de-
                                               Internal Revenue Code and is exempt from                FARMERS AND FISHERMEN.—Section 1225 of                 scribed in that clause, the Administrator
                                               taxation under section 501(a) of such Code; or          title 11, United States Code, is amended by            shall, during that 30-day (or later) period,
                                                 ‘‘(BB) is a quasi-governmental entity or is           adding at the end the following:                       submit to the Committee on Small Business
                                               a political subdivision of a State or local               ‘‘(d) Notwithstanding section 1222(a)(2) of          and Entrepreneurship of the Senate and the
                                               government, including any instrumentality               this title and subsection (b)(1) of this sec-          Committee on Small Business of the House
                                               of those entities.’’.                                   tion, a plan that provides for payment of a            of Representatives a notification that in-
                                                 (p) PROHIBITION ON USE OF LOAN PROCEEDS               claim of a kind specified in section 503(b)(10)        cludes a detailed justification for the inabil-
                                               FOR        LOBBYING         ACTIVITIES.—Section         of this title may be confirmed if the plan             ity of the Administrator to comply with the
                                               7(a)(36)(F) of the Small Business Act (15               proposes to make payments on account of                request or inquiry.
                                               U.S.C. 636(a)(36)(F)) is amended by adding at           such claim when due under the terms of the                (2) TESTIMONY.—Not later than the date
                                               the end the following:                                  loan giving rise to such claim.’’.                     that is 30 days after the date of enactment of
                                                 ‘‘(vi) PROHIBITION.—None of the proceeds of             (5) CONFIRMATION OF PLAN FOR INDIVID-                this Act, and every quarter thereafter until
                                               a covered loan may be used for—                         UALS.—Section 1325 of title 11, United States          the date that is 2 years after the date of en-
                                                 ‘‘(I) lobbying activities, as defined in sec-         Code, is amended by adding at the end the              actment of this Act, the Administrator and
                                               tion 3 of the Lobbying Disclosure Act of 1995           following:                                             the Secretary of the Treasury shall testify
                                               (2 U.S.C. 1602);                                          ‘‘(d) Notwithstanding section 1322(a)(2) of          before the Committee on Small Business and
                                                 ‘‘(II) lobbying expenditures related to a             this title and subsection (b)(1) of this sec-          Entrepreneurship of the Senate and the Com-
                                               State or local election; or                             tion, a plan that provides for payment of a            mittee on Small Business of the House of
                                                 ‘‘(III) expenditures designed to influence            claim of a kind specified in section 503(b)(10)        Representatives regarding implementation
                                               the enactment of legislation, appropriations,           of this title may be confirmed if the plan             of this section and the amendments made by
                                               regulation, administrative action, or Execu-            proposes to make payments on account of                this section.
                                               tive order proposed or pending before Con-              such claim when due under the terms of the                (t) CONFLICTS OF INTEREST.—
                                               gress or any State government, State legis-             loan giving rise to such claim.’’.                        (1) DEFINITIONS.—In this subsection:
                                               lature, or local legislature or legislative               (6) EFFECTIVE DATE; SUNSET.—                            (A) CONTROLLING INTEREST.—The term
                                               body.’’.                                                  (A) EFFECTIVE DATE.—The amendments                   ‘‘controlling interest’’ means owning, con-
                                                 (q) EFFECTIVE DATE; APPLICABILITY.—The                made by paragraphs (1) through (5) shall—              trolling, or holding not less than 20 percent,
                                               amendments made to paragraph (36) of sec-                 (i) take effect on the date on which the Ad-         by vote or value, of the outstanding amount
                                               tion 7(a) of the Small Business Act (15 U.S.C.          ministrator submits to the Director of the             of any class of equity interest in an entity.
                                               636(a)) and title I of the CARES Act (Public            Executive Office for United States Trustees a             (B) COVERED ENTITY.—
                                               Law 116–136) under this section shall be effec-         written determination that, subject to satis-             (i) DEFINITION.—The term ‘‘covered entity’’
                                               tive as if included in the CARES Act and                fying any other eligibility requirements, any          means an entity in which a covered indi-
                                               shall apply to any loan made pursuant to                debtor in possession or trustee that is au-            vidual directly or indirectly holds a control-
                                               section 7(a)(36) of the Small Business Act (15          thorized to operate the business of the debt-          ling interest.
                                               U.S.C. 636(a)(36)).                                     or under section 1183, 1184, 1203, 1204, or 1304          (ii) TREATMENT OF SECURITIES.—For the
                                                 (r) BANKRUPTCY PROVISIONS.—                           of title 11, United States Code, would be eli-         purpose of determining whether an entity is
                                                 (1) IN GENERAL.—Section 364 of title 11,              gible for a loan under paragraphs (36) and (37)        a covered entity, the securities owned, con-
                                               United States Code, is amended by adding at             of section 7(a) of the Small Business Act (15          trolled, or held by 2 or more individuals who
                                               the end the following:                                  U.S.C. 636(a)); and                                    are related as described in subparagraph
                                                 ‘‘(g)(1) The court, after notice and a hear-            (ii) apply to any case pending on or com-            (C)(ii) shall be aggregated.
                                               ing, may authorize a debtor in possession or            menced on or after the date described in                  (C) COVERED INDIVIDUAL.—The term ‘‘cov-
                                               a trustee that is authorized to operate the             clause (i).                                            ered individual’’ means—
                                               business of the debtor under section 1183,                (B) SUNSET.—                                            (i) the President, the Vice President, the
                                               1184, 1203, 1204, or 1304 of this title to obtain         (i) IN GENERAL.—If the amendments made               head of an Executive department, or a Mem-
                                               a loan under paragraph (36) or (37) of section                                                                 ber of Congress; and
                                                                                                       by this subsection take effect under subpara-
                                               7(a) of the Small Business Act (15 U.S.C.                                                                         (ii) the spouse, child, son-in-law, or daugh-
                                                                                                       graph (A), effective on the date that is 2
                                               636(a)), and such loan shall be treated as a                                                                   ter-in-law, as determined under applicable
                                                                                                       years after the date of enactment of this
                                               debt to the extent the loan is not forgiven in                                                                 common law, of an individual described in
                                                                                                       Act—
                                               accordance with section 1106 of the CARES
                                                                                                         (I) section 364 of title 11, United States           clause (i).
                                               Act (15 U.S.C. 9005) or subparagraph (H) of
                                                                                                       Code, is amended by striking subsection (g);              (D) EXECUTIVE DEPARTMENT.—The term
                                               such paragraph (37), as applicable, with pri-
                                                                                                         (II) section 503(b) of title 11, United States       ‘‘Executive department’’ has the meaning
                                               ority equal to a claim of the kind specified
                                                                                                       Code, is amended—                                      given the term in section 101 of title 5,
                                               in subsection (c)(1) of this section.
                                                 ‘‘(2) The trustee may incur debt described              (aa) in paragraph (8)(B), by adding ‘‘and’’          United States Code.
                                               in paragraph (1) notwithstanding any provi-             at the end;                                               (E) MEMBER OF CONGRESS.—The term
                                               sion in a contract, prior order authorizing               (bb) in paragraph (9), by striking ‘‘; and’’ at      ‘‘Member of Congress’’ means a Member of
                                               the trustee to incur debt under this section,           the end and inserting a period; and                    the Senate or House of Representatives, a
                                               prior order authorizing the trustee to use                (cc) by striking paragraph (10);                     Delegate to the House of Representatives,
                                               cash collateral under section 363, or applica-            (III) section 1191 of title 11, United States        and the Resident Commissioner from Puerto
                                               ble law that prohibits the debtor from incur-           Code, is amended by striking subsection (f);           Rico.
                                               ring additional debt.                                     (IV) section 1225 of title 11, United States            (F) EQUITY INTEREST.—The term ‘‘equity
                                                 ‘‘(3) The court shall hold a hearing within           Code, is amended by striking subsection (d);           interest’’ means—
                                               7 days after the filing and service of the mo-          and                                                       (i) a share in an entity, without regard to
                                               tion to obtain a loan described in paragraph              (V) section 1325 of title 11, United States          whether the share is—
                                               (1).’’.                                                 Code, is amended by striking subsection (d).              (I) transferable; or
                                                 (2) ALLOWANCE OF ADMINISTRATIVE EX-                     (ii) APPLICABILITY.—Notwithstanding the                 (II) classified as stock or anything similar;
                                               PENSES.—Section 503(b) of title 11, United              amendments made by clause (i) of this sub-                (ii) a capital or profit interest in a limited
                                               States Code, is amended—                                paragraph, if the amendments made by para-             liability company or partnership; or
                                                 (A) in paragraph (8)(B), by striking ‘‘and’’          graphs (1), (2), (3), (4), and (5) take effect            (iii) a warrant or right, other than a right




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                                               at the end;                                             under subparagraph (A) of this paragraph,              to convert, to purchase, sell, or subscribe to
                                                 (B) in paragraph (9), by striking the period          such amendments shall apply to any case                a share or interest described in clause (i) or
                                               at the end and inserting ‘‘; and’’; and                 under title 11, United States Code, com-               (ii), respectively.
                                                 (C) by adding at the end the following:               menced before the date that is 2 years after              (2) REQUIREMENT.—The principal executive
                                                 ‘‘(10) any debt incurred under section                the date of enactment of this Act.                     officer and the principal financial officer, or
                                               364(g)(1) of this title.’’.                               (s) OVERSIGHT.—                                      individuals performing similar functions, of
                                                 (3) CONFIRMATION OF PLAN FOR REORGANIZA-                (1) COMPLIANCE WITH OVERSIGHT REQUIRE-               an entity seeking to enter a transaction
                                               TION.—Section 1191 of title 11, United States           MENTS.—                                                made under paragraph (36) or (37) of section




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                                               S4764                                             CONGRESSIONAL RECORD — SENATE                                                          August 4, 2020
                                               7(a) of the Small Business Act (15 U.S.C.                 (1) IN GENERAL.—The amounts provided                    ‘‘(ii) the total amount expended by the
                                               636(a)), as added and amended by this sec-              under this section are designated as an emer-           State for the 1st quarter of fiscal year 2020
                                               tion, shall, before that transaction is ap-             gency requirement pursuant to section 4(g)              under the State program funded under this
                                               proved, disclose to the Administrator wheth-            of the Statutory Pay-As-You-Go Act of 2010              part or any other State program funded with
                                               er the entity is a covered entity.                      (2 U.S.C. 933(g)).                                      qualified State expenditures (as so defined)
                                                  (3) APPLICABILITY.—The requirement under               (2) DESIGNATION IN SENATE.—In the Senate,             for basic assistance, non-recurrent short-
                                               paragraph (2)—                                          this section is designated as an emergency              term benefits, and work supports for eligible
                                                  (A) shall apply with respect to any trans-           requirement pursuant to section 4112(a) of H.           families.
                                               action made under paragraph (36) or (37) of             Con. Res. 71 (115th Congress), the concurrent             ‘‘(C) AMOUNT OF GRANT.—Subject to para-
                                               section 7(a) of the Small Business Act (15              resolution on the budget for fiscal year 2018.          graph (4), the amount of the grant payable to
                                               U.S.C. 636(a)), as added and amended by this                                                                    a State under this paragraph for a quarter
                                               section, on or after the date of enactment of             SA 2509. Mr. GRASSLEY submitted
                                                                                                                                                               shall be the amount equal to 80 percent of
                                               this Act; and                                           an amendment intended to be proposed                    the excess of the expenditures for the quar-
                                                  (B) shall not apply with respect to—                 to amendment SA 2499 proposed by Mr.                    ter described in clause (i) of subparagraph
                                                  (i) any transaction described in subpara-            MCCONNELL to the bill S. 178, to con-                   (B) over the expenditures for the 1st quarter
                                               graph (A) that was made before the date of              demn gross human rights violations of                   of fiscal year 2020 described in clause (ii) of
                                               enactment of this Act; or                               ethnic Turkic Muslims in Xinjiang, and                  that subparagraph.
                                                  (ii) forgiveness under section 1106 of the           calling for an end to arbitrary deten-                    ‘‘(D) AUTHORITY TO MAKE NECESSARY AD-
                                               CARES Act (15 U.S.C. 9005) or any other pro-            tion, torture, and harassment of these                  JUSTMENTS TO DATA AND COLLECT NEEDED
                                               vision of law of any loan associated with any                                                                   DATA.—In determining the expenditures of a
                                               transaction described in subparagraph (A)
                                                                                                       communities inside and outside China;
                                                                                                       which was ordered to lie on the table;                  State for basic assistance, non-recurrent
                                               that was made before the date of enactment
                                                                                                       as follows:                                             short-term benefits, and work supports dur-
                                               of this Act.
                                                                                                            At the end, add the following:                     ing any quarter for which the State requests
                                                  (u) COMMITMENT AUTHORITY AND APPRO-                                                                          funds under this subsection, and for the 1st
                                               PRIATIONS.—                                             SEC.     ll.  TANF CORONAVIRUS EMERGENCY
                                                                                                                     FUND.                                     quarter of fiscal year 2020, the Secretary
                                                  (1)    COMMITMENT         AUTHORITY.—Section
                                                                                                            (a) TEMPORARY FUND.—                               may make appropriate adjustments to the
                                               1102(b) of the CARES Act (Public Law 116–                                                                       data, on a State-by-State basis, to ensure
                                               136) is amended—                                             (1) IN GENERAL.—Section 403 of the Social
                                                                                                       Security Act (42 U.S.C. 603) is amended by              that the data are comparable. The Secretary
                                                  (A) in paragraph (1)—                                                                                        may develop a mechanism for collecting ex-
                                                  (i) in the paragraph heading, by inserting           adding at the end the following:
                                                                                                         ‘‘(c)   TANF      CORONAVIRUS     EMERGENCY           penditure data, including procedures which
                                               ‘‘AND SECOND DRAW’’ after ‘‘PPP’’;                                                                              allow States to make reasonable estimates,
                                                                                                       FUND.—
                                                  (ii) by striking ‘‘August 8, 2020’’ and insert-
                                                                                                         ‘‘(1) ESTABLISHMENT.—There is established             and may set deadlines for making revisions
                                               ing ‘‘December 31, 2020’’;
                                                                                                       in the Treasury of the United States a fund             to the data.
                                                  (iii) by striking ‘‘paragraph (36)’’ and in-
                                                                                                       which shall be known as the ‘Coronavirus                  ‘‘(E) AVAILABILITY OF FUNDS.— Funds paid
                                               serting ‘‘paragraphs (36) and (37)’’; and
                                                                                                       Emergency Fund for State Temporary As-                  to a State from a grant made for any quarter
                                                  (iv) by striking ‘‘$659,000,000,000’’ and in-
                                                                                                       sistance for Needy Families Programs’ (in               of fiscal year 2020 or 2021 shall remain avail-
                                               serting ‘‘$816,690,000,000’’; and                       this subsection referred to as the ‘TANF                able for use by the State through September
                                                  (B) by amending paragraph (2) to read as             Coronavirus Emergency Fund’).                           30, 2022.
                                               follows:                                                  ‘‘(2) DEPOSITS INTO FUND.—                              ‘‘(4) GRANT LIMITED TO STATE PROPORTIONAL
                                                  ‘‘(2) OTHER 7(A) LOANS.—During fiscal year             ‘‘(A) IN GENERAL.—Out of any money in the             SHARE OF CHILDREN IN POVERTY.—
                                               2020, the amount authorized for commit-                 Treasury of the United States not otherwise               ‘‘(A) IN GENERAL.—With respect to a State,
                                               ments for section 7(a) of the Small Business            appropriated, there are appropriated for the
                                               Act (15 U.S.C. 636(a)) under the heading                                                                        the aggregate amount of the grants payable
                                                                                                       period of fiscal years 2020 through 2021,               to the State under paragraph (3) for the 3rd
                                               ‘Small Business Administration—Business                 $2,000,000,000 for payment to the TANF
                                               Loans Program Account’ in the Financial                                                                         and 4th quarters of fiscal year 2020 and each
                                                                                                       Coronavirus Emergency Fund.                             quarter of fiscal year 2021 shall not exceed
                                               Services and General Government Appropria-                ‘‘(B) USE OF FUNDS.—Subject to subpara-
                                               tions Act, 2020 (division C of Public Law 116–                                                                  the State child poverty proportion amount
                                                                                                       graph (C), the amounts appropriated to the              determined for the State for fiscal year 2020
                                               193) shall apply with respect to any commit-            TANF Coronavirus Emergency Fund under
                                               ments under such section 7(a) other than                                                                        under subparagraph (B).
                                                                                                       subparagraph (A) shall be used to make                    ‘‘(B) STATE CHILD POVERTY PROPORTION
                                               under paragraphs (36) and (37) of such section          grants to States in fiscal years 2020 and 2021
                                               7(a).’’.                                                                                                        AMOUNT.—The State child poverty proportion
                                                                                                       in accordance with the requirements of para-            amount determined under this subparagraph
                                                  (2) DIRECT APPROPRIATIONS.—                          graph (3).
                                                  (A) RESCISSION.—With respect to unobli-                                                                      for a State for fiscal year 2020 is the product
                                                                                                         ‘‘(C) ADMINISTRATION.—The Secretary may
                                               gated balances under the heading ‘‘ ‘Small                                                                      of—
                                                                                                       reserve up to $4,000,000 of the amount appro-
                                               Business Administration—Business Loans                                                                            ‘‘(i) $2,000,000,000; and
                                                                                                       priated for the period of fiscal years 2020
                                               Program Account, CARES Act’’ as of the day                                                                        ‘‘(ii) the quotient of—
                                                                                                       through 2021 under subparagraph (A) for ex-
                                               before the date of enactment of this Act,                                                                         ‘‘(I) the number of children in families
                                                                                                       penses related to administering this sub-
                                               $100,000,000,000 shall be rescinded and depos-          section.                                                with income below the poverty line in the
                                               ited into the general fund of the Treasury.               ‘‘(D) LIMITATION.—In no case may the Sec-             State (as determined under subparagraph
                                                  (B) NEW DIRECT APPROPRIATIONS FOR PPP                retary make a grant from the TANF                       (C)); and
                                               LOANS, SECOND DRAW LOANS, AND THE MBDA.—                Coronavirus Emergency Fund for a fiscal                   ‘‘(II) the number of children in families
                                                  (i) PPP AND SECOND DRAW LOANS.—There is              year after fiscal year 2021.                            with income below the poverty line in all
                                               appropriated, out of amounts in the Treas-                ‘‘(3) GRANTS TO STATES FOR INCREASED EX-              States (as so determined).
                                               ury not otherwise appropriated, for the fiscal          PENDITURES FOR BASIC ASSISTANCE, NON-RE-                  ‘‘(C) DATA.—
                                               year ending September 30, 2020, to remain               CURRENT SHORT TERM BENEFITS, AND WORK                     ‘‘(i) IN GENERAL.—For purposes of subpara-
                                               available until September 30, 2021, for addi-           SUPPORTS.—                                              graph (B)(ii), subject to clause (ii) of this
                                               tional amounts—                                           ‘‘(A) IN GENERAL.—For each of the 3rd and             subparagraph, the number of children in
                                                  (I) $257,690,000,000 under the heading               4th quarters of fiscal year 2020 and each               families with income below the poverty line
                                               ‘‘Small Business Administration—Business                quarter of fiscal year 2021, the Secretary              shall be determined based on the most recent
                                               Loans Program Account, CARES Act’’ for                  shall make a grant from the TANF                        data available from the Bureau of the Cen-
                                               the cost of guaranteed loans as authorized              Coronavirus Emergency Fund to each State                sus.
                                               under paragraph (36) and (37) of section 7(a)           that—                                                     ‘‘(ii) OTHER DATA.—The number of children
                                               of the Small Business Act (15 U.S.C. 636(a)),             ‘‘(i) requests a grant under this paragraph           in families with income below the poverty
                                               as amended and added by this Act; and                   for the quarter; and                                    line in the case of—
                                                  (II) $10,000,000 under the heading under the           ‘‘(ii) meets the requirements of subpara-               ‘‘(I) Puerto Rico, the United States Virgin
                                               heading ‘‘Department of Commerce—Minor-                 graph (B) for the quarter.                              Islands, Guam, and American Samoa may be
                                               ity Business Development Agency’’ for mi-                 ‘‘(B) INCREASED EXPENDITURES.—A State                 determined on the basis of the most recent
                                               nority business centers of the Minority Busi-           meets the requirements of this subparagraph             data are available from the Bureau of the
                                               ness Development Agency to provide tech-                for a quarter if—                                       Census or such other poverty data as the




SSpencer on DSK126QN23PROD with SENATE
                                               nical assistance to small business concerns.              ‘‘(i) the total amount expended by the                Secretary determines appropriate); and
                                                  (C) AVAILABILITY OF AMOUNTS APPRO-                   State for the quarter under the State pro-                ‘‘(II) an Indian tribe, shall be determined
                                               PRIATED FOR THE OFFICE OF INSPECTOR GEN-                gram funded under this part or any other                in proportion to the tribal family assistance
                                               ERAL.—Section 1107(a)(3) of the CARES Act               State program funded with qualified State               grant paid to the Indian tribe for fiscal year
                                               (15 U.S.C. 9006(a)(3)) is amended by striking           expenditures      (as   defined    in  section          2020.
                                               ‘‘September 20, 2024’’ and inserting ‘‘ex-              409(a)(7)(B)(i)) for basic assistance, non-re-            ‘‘(5) DEFINITIONS.—In this subsection:
                                               pended’’.                                               current short-term benefits, and work sup-                ‘‘(A) BASIC ASSISTANCE.—The term ‘basic
                                                  (v) EMERGENCY DESIGNATION.—                          ports for eligible families, exceeds                    assistance’ means assistance including cash,




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