House hearing (119th Congress), MARKUP OF VARIOUS MEASURES (PDF)
Summary
The printed record of a May 20, 2026 markup by the House Committee on Small Business, Small Business Committee Document Number 119–037, titled Markup of Various Measures. Opening statements come from Chairman Roger Williams and Ranking Member Nydia Velázquez. The appendix reprints the bills considered, including H.R. 4238, the Disaster Loan Accountability and Reform Act; H.R. 826, the COVID Fraud Transparency Act of 2025; H.R. 8879, H.R. 8880, H.R. 8881 and H.R. 8882; and H.R. 915, H.R. 2804 and H.R. 5498. It also includes amendments in the nature of a substitute offered by Representatives Van Duyne and Williams.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
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MARKUP OF VARIOUS MEASURES
HEARING
BEFORE THE
COMMITTEE ON SMALL BUSINESS
UNITED STATES
HOUSE OF REPRESENTATIVES
ONE HUNDRED NINETEENTH CONGRESS
SECOND SESSION
HEARING HELD
MAY 20, 2026
Small Business Committee Document Number 119–037
Available via the GPO Website: www.govinfo.gov
U.S. GOVERNMENT PUBLISHING OFFICE
63–839 WASHINGTON : 2026
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HOUSE COMMITTEE ON SMALL BUSINESS
ROGER WILLIAMS, Texas, Chairman
PETE STAUBER, Minnesota
DAN MEUSER, Pennsylvania
BETH VAN DUYNE, Texas
JAKE ELLZEY, Texas
MARK ALFORD, Missouri
BRAD FINSTAD, Minnesota
TONY WIED, Wisconsin
ROB BRESNAHAN, Pennsylvania
BRIAN JACK, Georgia
KIMBERLYN KING-HINDS, Northern Marina Islands
DEREK SCHMIDT, Kansas
JIMMY PATRONIS, Florida
CLAY FULLER, Georgia
NYDIA VELÁZQUEZ, New York, Ranking Member
MORGAN MCGARVEY, Kentucky
HILLARY SCHOLTEN, Michigan
LAMONICA MCIVER, New Jersey
GIL CISNEROS, California
KELLY MORRISON, Minnesota
GEORGE LATIMER, New York
DEREK TRAN, California
LATEEFAH SIMON, California
JOHNNY OLSZEWSKI, Maryland
MAGGIE GOODLANDER, New Hampshire
SEAN DILLON, Majority Staff Director
MELISSA JUNG, Minority Staff Director
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CONTENTS
OPENING STATEMENTS
Page
Hon. Roger Williams ................................................................................................ 1
Hon. Nydia Velázquez ............................................................................................. 2
APPENDIX
Additional Material for the Record:
Text of Legislation:
H.R. 4238 - Disaster Loan Accountability and Reform Act .......................... 33
H.R. 8879 - Oversight and Transparency for Small Business Certifi-
cations Act of 2026 ........................................................................................ 47
H.R. 826 - COVID Fraud Transparency Act of 2025 ..................................... 55
H.R. 8880 - Small Business Cybersecurity Assistance Evaluation Act
of 2026 ............................................................................................................ 58
H.R. 8881 - SBA Artificial Intelligence Utilization Act of 2026 ................... 62
H.R. 8882 - Main Street Competes Act ........................................................... 66
H.R. 915 - Small Business Technological Act of 2025 ................................... 72
H.R. 2804 - Protecting Small Business Competitions Act of 2025 ............... 74
H.R. 5498 - Small Business Health Options Awareness Act of 2025 ........... 76
Amendments:
ANS to H.R. 5498, offered by Hon. Van Duyne ............................................. 79
ANS to H.R. 4238, offered by Hon. Williams ................................................. 81
ANS to H.R. 2804, offered by Hon. Velázquez ............................................... 90
ANS to H.R. 826, offered by Hon. Williams ................................................... 92
Scholten Amendment, no. 1, to H.R. 5498 - Small Business Health Op-
tions Awareness Act of 2025 ........................................................................ 94
Morrison Amendment, no. 1, to H.R. 5498 - Small Business Health Op-
tions Awareness Act of 2025 ........................................................................ 95
Support Documents:
E-Vote Results .................................................................................................. 96
Minority Letter of Support for H.R. 2804 ....................................................... 107
Minority Main Street Competition Coalition Letter ...................................... 119
Minority AI Chatbot Letter ............................................................................. 120
Majority eHealth Letter ................................................................................... 123
Majority NACA Letter ...................................................................................... 124
Majority AEAW Letter ..................................................................................... 126
Majority NVSBC Letter ................................................................................... 128
Minority Small Business Majority Letter ....................................................... 129
Minority Main Street Alliance Letter ............................................................. 131
Majority THATCH Letter ................................................................................ 133
Votes:
ANS to H.R. 4238, offered by Hon. Williams agreed to by voice .................. 134
ANS to H.R. 826, offered by Hon. Williams agreed to by voice .................... 135
ANS to H.R. 2804, offered by Hon. Velázquez agreed to by voice ................ 136
ANS to H.R. 5498, offered by Hon. Van Duyne agreed to by voice .............. 137
H.R. 4238 - Disaster Loan Accountability and Reform Act (As Amended)
Ordered to be reported by the Yeas and Nays: 23-0 .................................. 138
H.R. 8879 - Oversight and Transparency for Small Business Certifi-
cations Act of 2026 Ordered to be reported by the Yeas and Nays:
23-0 ................................................................................................................. 139
H.R. 826 - COVID Fraud Transparency Act of 2025 (As Amended) Or-
dered to be reported by the Yeas and Nays: 23-0 ...................................... 140
H.R. 8880 - Small Business Cybersecurity Assistance Evaluation Act
of 2026 Ordered to be reported by the Yeas and Nays: 23-0 ..................... 141
H.R. 8881 - SBA Artificial Intelligence Utilization Act of 2026 Ordered
to be reported by the Yeas and Nays: 23-0 ................................................. 142
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Page
Votes—Continued
H.R. 8882 - Main Street Competes Act Ordered to be reported by the
Yeas and Nays: 23-0 ..................................................................................... 143
H.R. 915 - Small Business Technological Act of 2025 Ordered to be
reported by the Yeas and Nays: 23-0 .......................................................... 144
H.R. 2804 - Protecting Small Business Competitions Act of 2025 (As
Amended) Ordered to be reported by the Yeas and Nays: 23-0 ................ 145
Amendment #1 to the ANS to H.R. 5498 offered by Hon. Scholten Or-
dered to be reported by the Yeas and Nays: 11-12 .................................... 146
Amendment #1 to the ANS to H.R. 5498 offered by Hon. Morrison Or-
dered to be reported by the Yeas and Nays: 11-12 .................................... 147
H.R. 5498 - Small Business Health Options Awareness Act of 2025 (As
Amended) Ordered to be reported by the Yeas and Nays: 13-11 .............. 148
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MARKUP OF VARIOUS MEASURES
WEDNESDAY, MAY 20, 2026
HOUSE OF REPRESENTATIVES,
COMMITTEE ON SMALL BUSINESS,
Washington, DC.
The Committee met, pursuant to call, at 2:08 p.m., in Room
2360, Rayburn House Office Building, Hon. Roger Williams [chair-
man of the Committee] presiding.
Present: Representatives Williams, Stauber, Meuser, Van Duyne,
Ellzey, Alford, Finstad, Wied, Bresnahan, Jack, King-Hinds,
Schmidt, Patronis, Fuller, Velázquez, McGarvey, Scholten, McIver,
Cisneros, Morrison, Latimer, Tran, Simon, Olszewski, and
Goodlander.
Chairman WILLIAMS. The committee will now come to order.
Without objection, the Chair is authorized to declare a recess of the
committee at any time. As required by House rules, a copy of the
legislative measures have been made available to Members and the
public at least 24 hours in advance. Without objection, the com-
mittee will vote electronically in accordance with committee rules
and regulations developed by the House Committee on rules and
administration. I now recognize myself for opening remarks.
Good afternoon and welcome to everyone. Today we will mark up
the important bills that support all businesses and reflect a con-
sistent message that main street deserves a government that is
transparent, accountable, and invested in its success. As Chairman,
I am proud of the work this committee is doing to ensure that
small businesses remain a key engine of the American economy,
driving growth and opportunity to communities across the country.
Together with the Ranking Member, my friend, we have continued
to work on legislation that reflects our commitment to rooting out
fraud, strengthening oversight of the SBA programs, and ensuring
that small businesses have the tools and the resources they need
to thrive.
Several of the bills we will consider today address accountability
and transparency within the SBA. Among them are bills that
would impose stronger reporting and budgeting requirements on
the SBA’s disaster loan program, strengthen reporting require-
ments on COVID-era loan fraud, and ensure the SBA certification
programs are delivering for small businesses they were designed to
serve. We also will consider legislation that ensures small busi-
nesses can fairly compete for federal contracts by codifying the
Rule of Two, as well as legislation that examines impacts of federal
antitrust agencies’ enforcement decisions on the small business
community too.
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Rounding out today’s markup are bills that modernize the SBA’s
lending practices by clarifying the flagship 7a loan program, covers
technology and software investments, increasing oversight of the
SBA’s use of artificial intelligence, and examining the effectiveness
of federal cyber resources for small businesses. As we continue to
grow in a digital economy, we cannot let success to capital—or ac-
cess to capital impair Main Street America. And finally, we will
consider a bill to enhance awareness of healthcare coverage options
through the SBA’s existing outreach program.
Small businesses employ nearly half the American workforce and
drive innovation coast to coast and all states in between. They de-
serve a federal government that works as hard as they do, and the
committee has a responsibility to deliver on that. The legislation
before us today is a direct reflection of that commitment, and I am
proud of the bipartisan effort that has brought us to today’s mark-
up, and I look forward to working with my colleagues to advance
meaningful legislation that empowers small businesses and
strengthens the communities they serve. With that, I yield to my
friend and the distinguished Ranking Member from New York, Ms.
Velázquez, for her opening remarks.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman, for convening this
markup today. Let me begin by thanking you for adding H.R. 2804,
the Protecting Small Business Competition Act, to the agenda
today. The Rule of Two is critical to preserving competition and al-
lowing small business contractors to successfully enter, compete,
and remain in the industrial base. H.R. 2804 is a priority for me,
and I look forward to working with you to get it enacted into law
before the end of the session.
I plan to lend my support to all but one bill, under consideration
today. Five of the bills under consideration will arm our Committee
with more information to oversee the SBA and ensure program in-
tegrity. I applaud Members for working together on these bills,
which will increase reporting, improve accountability, and ensure
policymakers have information to see how the agency is operating
and serving entrepreneurs. On one hand, we have these bipartisan
bills calling studies and reports, but on the other, we are doing
very little to address the real concerns of small businesses.
President Trump’s failed economic agenda is leaving small busi-
nesses with mounting anxiety, uncertainty, and economic pain.
They’re struggling with tariffs, higher borrowing costs, and surging
food and gas prices. I want to make it clear that Democrats on this
committee stand ready to conduct oversight of the SBA and work
together to address the needs of small employers, entrepreneurs,
and the communities they support. That is where our focus needs
to be, delivering real results for small businesses. Thank you again,
Mr. Williams. I yield back.
Chairman WILLIAMS. The gentlelady yields back. Does any
other Member seek recognition for the purpose of making an open-
ing statement?
All right, seeing none, we will move to the consideration of the
first bill.
H.R. 4238
All right, the committee now moves to consideration of H.R.
4238, the Disaster Loan Accountability and Reform Act, introduced
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by Representative Tim Moore from the great state of North Caro-
lina, with Representative Goodlander as the committee co-lead. The
clerk will report the bill.
The CLERK. H.R. 4238. A bill——
Chairman WILLIAMS. Without objection, H.R. 4238 is consid-
ered as read and open for amendment. I have an amendment in the
nature of a substitute at the desk. The amendment has been dis-
tributed in advance. The clerk will report the amendment.
The CLERK. Amendment in the nature of a substitute to H.R.
4238.
Chairman WILLIAMS. Without objection, the amendment will be
considered as read and will serve as the base text for the purpose
of further amendment. I now recognize myself for remarks as the—
as on the bill and the amendment.
I would first like to thank our colleague Mr. Moore from the
great state of North Carolina for introducing this bill. During the
2024 hurricane season, the SBA Disaster Loan Relief Program
under the Biden administration exhausted its funding entirely for
the first time since the program’s inception. And this has forced a
pause on new loan disbursements while thousands of Americans
were actively recovering from Hurricanes Milton and Helene. Sur-
vivors across impacted communities were left waiting for help, not
because help was unavailable, but because Biden’s SBA failed to
properly and timely notify Congress of a funding shortfall. And
that’s unacceptable, I think we all agree, and it cannot happen
again.
So H.R. 4238, the Disaster Loan Accountability and Reform Act,
responds directly to that catastrophe by strengthening oversight
and transparency, improving budgeting requirements, and building
greater accountability into the disaster lending process. This bill
ensures the program can keep pace with the scale of modern disas-
ters we see. It reflects our commitment to helping families, home-
owners, and small businesses recover and rebuild, and it also gives
Americans the confidence that when a disaster strikes their com-
munity, relief will be there. I urge my colleagues to vote yes on
H.R. 4238 as amended, and I yield back.
I now recognize Representative Goodlander from the great state
of New Hampshire to speak on the bill and the amendment.
Ms. GOODLANDER. Thank you, Mr. Chairman. Ranking Mem-
ber Velázquez, thank you for your leadership. I am very proud to
be leading our bipartisan Disaster Loan Accountability Reform Act
alongside two great colleagues from the state of North Carolina,
Tim Moore and Don Davis. Congressman Davis represents commu-
nities in eastern North Carolina that were among the hardest hit
by Hurricane Helene. We saw in that moment what it looks like
when our government falls short of our people when they need us
most. And our bipartisan bill is an answer to those preventable
failures.
So here is what happened. In 2024 disaster struck. Hurricane
after hurricane made landfall across the United States. Commu-
nities were devastated. Families lost their homes. Small busi-
nesses, they watched their livelihoods wash away. And this was
precisely the moment that the Small Business Administration’s dis-
aster loan program was made for, low-interest loans to help busi-
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nesses reopen, to help homeowners rebuild, to give the American
people a fighting chance. But on October 15th, 2024, right in the
midst of this crisis, the SBA announced that its disaster loan ac-
count was empty, exhausted, gone. It couldn’t approve new loans.
It couldn’t disburse money to people who were waiting. That lasted
for more than 2 months while Congress scrambled to act. Two
months for families sleeping in FEMA trailers, for small businesses
who had just enough hope left to fill out an application and wait.
Now, here is the part I think for all of us who believe in account-
ability, and in this Committee I know we do, this lapse was not in-
evitable. It was not caused by some unprecedented force of nature
or disaster beyond imagination. It was caused by preventable fail-
ures. I think the lesson of 2024 is simple. Disaster response cannot
be opaque and reactive. It must be transparent and accountable.
The SBA didn’t meet its requirements, and by the time the author-
izing committees found out that there was a problem, there was no
time left to act. You know, in New Hampshire, we are not strang-
ers to disasters. Severe flooding, nor’easters, ice storms that shut
down roads and destroy infrastructure. Our farmers up in our
Upper Valley, our producers up in our North Country, our growers
in the Monadnock region, they face weather events that can wipe
out literally generations of work.
When disaster strikes, SBA’s disaster loans are often genuinely
the first and only lifeline available. It is the difference between re-
building and closing for good. So our bipartisan bill will make sure
that America’s small businesses, our family farmers, never have to
face a moment where they’re told, ‘‘We’re sorry, we ran out of
money, and nobody told Congress in time to fix it.’’ So here is what
our bill does. It requires the SBA to report monthly on the status
of the disaster loan account, not when disaster has been declared,
but continuously, so that here in Congress we always have current
information. It requires the SBA to alert us here in Congress with-
in 24 hours when the account falls below 10 percent of the 10-year
average, and it requires separate budget line items so that we can
see exactly what’s being requested and, and why.
It also directs the Government Accountability Office to conduct
two what I think are important studies that will examine adminis-
trative changes that were made to the disaster loan program in
2023 and 2024, changes that may have contributed to the faster
than expected depletion of the account. We’ve got to understand
what happened. We need the data. We need the accountability.
And there is one more provision I want to highlight in this bill.
Until the SBA administrator submits the required monthly report
to Congress, the administrator cannot engage in official travel. So
this may sound like a small thing, but I think it is a meaningful
accountability mechanism to be sure that we’ve got the information
we need. This, at the end of the day, reporting what we learned
in 2024, is not a bureaucratic box-checking exercise. It is a basic
obligation of an executive branch agency to be accountable to the
legislative branch and the people we represent. So I am very proud
to be leading this bipartisan bill. I am really grateful for the work
of all of our colleagues to make sure that when Americans need
help in the midst and after a disaster, we are ready with funds in
the account and with Congress fully informed. So I urge my col-
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leagues to support the amendment in the nature of a substitute
and the underlying bill. And with that, I yield back.
Chairman WILLIAMS. The gentlelady yields back. Are there any
other Members who wish to be recognized for a statement on this
bill?
I now recognize the Ranking Member to speak on the bill and the
amendment.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. I support H.R.
4238, the Disaster Loan Accountability and Reform Act, as amend-
ed. The SBA disaster loan program, which provides long-term, low-
interest direct loans to homeowners, renters, small business own-
ers, and nonprofits after declared disasters plays a critical role in
the federal government’s direct disaster response efforts. The SBA
failed to properly alert Congress of its impending budget shortfall,
which led to a lapse in program funding and a prolonged delay in
much-needed relief to affected communities. While the SBA cannot
effectively address our changing climate, it can do a better job at
updating Congress about the status of the disaster loan account.
That is why I support H.R. 4238, the Disaster Loan Accountability
and Reform Act, or DLARA.
This bill requires common sense reporting from the SBA and
transparency from the White House when they submit their annual
budget request. It also requires the administrator to notify Con-
gress when program funds run low and directs the GAO to study
how past rulemaking has affected the speed of that process. This
bill adds transparency to the process to ensure disaster-affected
communities never have to face a lapse again. I thank all the spon-
sors, including Ms. Goodlander, Ms. King-Hinds, and Mr. Meuser,
for their work.
This is a very important legislation. I know because I lived
through Sandy in New York and Maria when it struck Puerto Rico.
This is a very important disaster program, and it is one of the most
important programs. You know, there is nothing more important
than when natural disasters strike to immediately work to make
families whole that are suffering. And even so many lost their
lives. So thank you for the work that you’ve done in a bipartisan
way.
Chairman WILLIAMS. The gentlelady yields back. Does anyone
wish to offer an amendment?
Seeing none, the question now occurs on the adoption of the
amendment in the nature of a substitute to H.R. 4238.
All in favor say aye.
All opposed say no.
In the opinion of the Chair, the ayes have it. The amendment in
the nature of a substitute to H.R. 4238 is adopted.
The question now comes on ordering H.R. 4238 as amended to
be reported favorably to the House.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it. H.R. 4238 is agreed
to.
Ms. KING-HINDS. Mr. Chairman, I request for a recorded vote.
Chairman WILLIAMS. A Member has asked for a recorded vote.
A vote has been requested and a roll call vote is ordered. Pursuant
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to Committee Rule 13 and House Rule 11, further proceedings on
the bill are postponed.
H.R. 8897
The Committee now moves to the consideration of H.R. 8897, the
Oversight and Transparency for Small Business Certifications Act
of 2026, introduced by Representatives Olszewski and Wied. The
clerk shall report the bill.
The CLERK. H.R. 8879, a bill to amend the Small Business——
Chairman WILLIAMS. Without objection, H.R. 8879 is consid-
ered as read and open for amendment. I now recognize Representa-
tive Olszewski from the great state of Maryland. For a statement
on the bill.
Mr. OLSZWESKI. Thank you very much, Mr. Chairman, Rank-
ing Member Velázquez, and to all of my colleagues here today. I
want to begin by thanking Representative Wied for his partnership
and his leadership on this important effort. I am proud to help lead
this bipartisan bill because I believe that we can and we should al-
ways work harder to ensure that federal programs work efficiently
for the American people. Congress created the three small business
contracting programs this bill impacts; the Women-Owned Small
Business Program, Historically Underutilized Business Zone Pro-
gram, and the Service Disabled Veteran-Owned Small Business
Program. These programs help our government recruit and retain
quality small businesses while also leveling the playing field for
them to enter, compete, and to have success in the federal market.
In the past years, each program has had its own online certifi-
cation platform and designated staff within the SBA’s Office of
Government Contracting and Business Development. As a result,
small businesses had far different certification experiences. For ex-
ample, in 2023, service-disabled veterans seeking an SBA certifi-
cation were served by 20 dedicated SBA staff and 54 contractors
who processed their applications in about 3 weeks. The women-
owned small business program applicants, however, were served by
8 SBA staff and 2 contractors, resulting in a backlog of roughly
7,000 applicants, with an average wait time of almost a year. En-
suring fairness and promoting efficiency for all small business own-
ers is an overarching goal of all Members of this committee.
Our bill will require the SBA to provide greater detail in their
budget justification documents regarding their certification proc-
esses, infrastructure, and timelines, as well as participants’ back-
logs and wait times for small business applicants. That will allow
this committee to more effectively conduct oversight and to identify
issues with the certification process and SBA portals in a more
timely manner for American small business owners across this
country. I urge my colleagues to support this legislation, and I
yield back.
Chairman WILLIAMS. The gentleman yields back.
I now recognize Representative Wied from the great state of Wis-
consin for a statement on the bill.
Mr. WIED. Thank you, Mr. Chairman. Our bipartisan legislation,
H.R. 8879, the Oversight and Transparency for Small Business
Certifications Act will require the SBA to report on the certifi-
cations and contract awards for its small business programs. SBA
programs, including the Service Disabled Veteran-Owned Small
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Businesses programs, are important to ensure all entrepreneurs
are given a chance to succeed. By improving the transparency of
programs like these, Congress can ensure that the appropriate
measures are taken to certify or decertify firms to help root out
waste, fraud and abuse. I am proud to co-lead this bill alongside
my friend and colleague Representative Olszewski, and I encourage
my colleagues to support this common-sense bipartisan legislation.
Chairman WILLIAMS. The gentleman yields back. Are there any
other Members who wish to be recognized for a statement on the
bill? All right.
Seeing none, I would like to recognize the Ranking Member to
speak on the bill.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. I appreciate the
work of my colleagues, Representatives Olszewski and Wied to
move this bill forward. Our committee’s ability to assist small busi-
nesses depends in part on our ability to conduct appropriate and
effective oversight of SBA. Unfortunately, we do not always receive
sufficient or timely responses to inquiries and what should be rou-
tine reporting is often delayed, sometimes past the point of rel-
evancy. For example, under the previous administration, both
Chairman Williams and I raised concerns about whether the com-
mittee had a full picture of the Unified Certification Platform’s
challenges, and I frequently heard from women-owned businesses
about the backlog of WSB applications.
Currently, SBA is not forthcoming with any information. They do
not respond to specific requests, nor provide regular reports and
data that have been routinely provided in the past. This bill will
ensure we have consistent information on one of the SBA’s core
missions: certifying small business federal contractors. Current and
aspiring government contractors Already face challenges in the fed-
eral market. Unnecessary time or added hurdles, just to get a cer-
tification before they can even compete for contracting opportuni-
ties, should not be one of them. I urge my colleagues to vote yes,
and I yield back my time.
Chairman WILLIAMS. The gentlelady yields back. Thank you.
I now recognize myself to speak in support of this legislation.
As the Trump administration continues to focus on government
efficiency and eliminate waste, fraud, and abuse in the federal pro-
grams, Congress needs the necessary information about where
these programs are succeeding and where they need improvement.
H.R. 8879, the Oversight and Transportation—or Transparency for
Small Business Certifications Act of 2026, requires the SBA to an-
nually report to Congress on certification activities across the
SBA’s small business contracting programs. This bill would provide
Congress with detailed information and certification granted or de-
nied, of application processing times, and overall program partici-
pation. I urge my colleagues to vote yes on H.R. 8879, and I yield
back.
Does anyone wish to offer an amendment? Seeing none, the ques-
tion now occurs on ordering H.R. 8879 reported favorably to the
House. All those in favor say aye.
All those opposed say no.
In the opinion of the Chair the ayes have it. H.R. 8879 is——
Mr. WIED. Mr. Chairman, I ask for a recorded vote.
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Chairman WILLIAMS. A recorded vote has been requested. A
roll call vote is ordered. Pursuant to Committee Rule 13 and House
Rule 11 further proceedings on this bill are postponed.
H.R. 826
The committee now moves to consideration of H.R. 826, the
COVID Fraud Transparency Act of 2025, introduced by Represent-
ative Latimer and Representative Bean, Representative Mfume,
and myself, and the clerk will report the bill.
The CLERK. H.R. 826, a bill to require——
Chairman WILLIAMS. Without objection, the H.R. 826 is consid-
ered as read and open for amendment. I have an amendment in the
nature of a substitute at the desk. The amendment has been dis-
tributed in advance. The clerk will report the amendment.
The CLERK. Amendment in the nature of a substitute to H.R.
8——
Chairman WILLIAMS. Without objection the amendment will be
considered as read and will serve as base text for the purpose of
further amendment.
I now recognize myself for remarks on the bill and the amend-
ment.
First, I would like to thank Representatives Latimer, Bean, and
Mfume for introducing this bill with me last year. The SBOA IG
estimates that roughly $200 billion in potentially fraudulent relief
funds were discharged through COVID-19 relief programs. Earlier
this year, the SBA under the Trump administration referred more
than 562,000 suspected fraudulent loans totaling approximately
$22 billion to Treasury for further action, and that is a disturbing
amount to anyone.
Even the 5 years following the pandemic, we are still working to
highlight the need for continued transparency and oversight of
fraud investigations and recovery efforts. H.R. 826, the COVID
Fraud Transparency Act of 2025, recognizes the importance of re-
maining responsive and informed as those cases continue to be in-
vestigated and resolved. By implementing more comprehensive re-
porting and oversight requirements, Congress can better under-
stand the methods and categories of fraud that occurred during the
pandemic, therefore strengthening safeguards to protect taxpayer
dollars in future emergency relief programs. I urge my colleagues
to vote yes on H.R. 826. I yield back.
I now recognize Mr. Latimer from the great state of New York
to speak on the bill.
Mr. LATIMER. Thank you, Mr. Chairman, and I want to express
my appreciation for your leadership on this bill, along with col-
leagues, Congress Members Bean and Mfume. This bill is a bipar-
tisan effort to deal with the disbursement of SBA loan products,
which we saw during the COVID-19 pandemic totaled $1.2 trillion
in Economic Injury Disaster Loan and Paycheck Protection Pro-
gram. Those are significant amounts of dollars that affected small
businesses that were adversely impacted by the crisis. But as al-
ways, when there is any federal program, there are bad actors. And
so the SBA Inspector General, in coordination with other federal
agencies, has worked to investigate those cases of fraud and hold
those bad actors accountable.
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This Congress provides, in this bill, Inspector Generals with the
funding and the resources necessary to combat fraud, and I am
very proud to co-lead this with Chairman Williams and his leader-
ship. This bill requires the SBA Inspector General to issue quar-
terly reports to Congress on the number of borrowers engaged, and
that will help us detect the fraud factors. I encourage my col-
leagues to support this common-sense bipartisan bill, and once
again, thank the Chairman and our Ranking Member Nydia
Velázquez for their leadership in this moment. Mr. Chairman, I
yield back.
Chairman WILLIAMS. The gentleman yields back.
Are there any other Members who wish to be recognized for a
statement?
All right, seeing none, I would like to recognize the Ranking
Member to speak on the bill.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. I appreciate your
efforts alongside Mr. Latimer to enhance reporting on pandemic
fraud. The COVID Fraud Transparency Act will further enable this
committee to carry out its oversight responsibilities effectively.
During the global COVID-19 pandemic, the Small Business Admin-
istration stepped in and served as critical lifeline to small busi-
nesses. The SBA distributed more than $1.2 trillion in economic aid
and executed 14 years of lending in 14 days. In an effort to dis-
burse funds quickly, SBA weakened and removed its internal con-
trols. Organized crime syndicates, transnational gangs, and other
criminals exploitated these weakened controls and stole billions
from the American people.
The legislation we are considering today will provide the Com-
mittee with better data. H.R. 826 will require the SBA Inspector
General to send periodic reports to this Committee for the next 2
years with detailed information regarding the number of fraud
cases and the types of fraud, as well as the number of cases that
has been resolved. In closing, I want to underscore the importance
of continued oversight and transparency as we work to safeguard
taxpayer resources and strengthen accountability. The single most
effective way to combat fraud is to provide full funding for the In-
spector General, and so that he has the infrastructure he needs in
order to conduct the type of oversight that is important and nec-
essary. We don’t know when the next pandemic will strike. We
have to be ready, and we need to learn the lessons of the past. I
urge my colleagues to support H.R. 826 as amended, and I yield
back.
Chairman WILLIAMS. The gentlelady yields back, and thank
you.
And does anyone wish to offer an amendment? Seeing none, the
question now occurs on the adoption of the amendment in the na-
ture of a substitute to H.R. 826.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it. The amendment in
the nature of a substitute to H.R. 826 is adopted. The question now
occurs on ordering H.R. 826’s amendment to be reported favorably
to the House.
All those in favor say aye.
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All those opposed say no.
In the opinion of the Chair, the ayes have it, and H.R. 826 as
amended is agreed to.
Mr. FULLER. Mr. Chairman, I ask for a recorded vote.
Chairman WILLIAMS. A Member asks for a recorded vote, and
a recorded vote has been requested. A roll call vote is ordered. So
pursuant to Committee Rule 13 and Rule 11, further proceedings
on this bill are postponed.
H.R. 8880
The committee now moves to consideration of H.R. 8880, the
Small Business Cybersecurity Assistance Evaluation Act of 2026,
introduced by Representatives Simon and Bresnahan. The clerk
will report the bill.
The CLERK. H.R. 8880, a bill to require——
Chairman WILLIAMS. Without objection H.R. 8880 is considered
as read and open for amendment. I now recognize the fast-moving
Ms. Simon from the great state of California to speak on this legis-
lation.
Ms. SIMON. Well, thank you, Chair. I cannot believe I made it.
Thank you also our Ranking Member Velázquez and, and thank
you to Congressman, my colleague, Bresnahan for co-leading with
me this extremely important, I would say critical, bipartisan effort.
I am proud to speak in support of the Small Business Cybersecu-
rity Assistance Act. Now, we know that small businesses are rely-
ing more and more on digital tools to reach customers and access
capital. In fact, the United States Chamber of Commerce estimates
that 99 percent of small businesses use at least one technology
platform. And at the same time, cyber threats are becoming more
sophisticated and damaging, especially for the smallest businesses
that are most likely to not be able to recover from these attacks.
From phishing to ransomware, these attacks to insurance fraud
and data breaches, small businesses are increasingly being tar-
geted by bad and criminal actors. For a small business owner, a
single attack can mean not just lost revenue, but interrupted oper-
ations or even closure. We’ve seen this.
Our bill is simple. It would direct the Government Accountability
Office to conduct a comprehensive assessment of the cybersecurity
threats and vulnerabilities facing our small businesses. The GAO
would also identify existing federal programs, initiatives, and cap-
ital resources available to help entrepreneurs prepare for and miti-
gate and defend themselves every single day against these attacks.
Now, this bill is about ensuring that we have the best data avail-
able to craft effective policies that protect small businesses from
these attacks. Small businesses drive innovation. They create jobs,
I am speaking to the choir here, and support communities in every
corner of this country. Especially as artificial intelligence continues
to evolve we must make sure that small businesses are not left be-
hind, that they are not vulnerable, that they are equipped and
ready to defend themselves.
And I want to thank Chairman Williams and Ranking Member
Velázquez for including this bill in today’s markup and for their
continued leadership on behalf of our country’s small businesses.
And I want to thank you, and I urge all of my colleagues to support
our important legislation. And I yield back, sir.
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Chairman WILLIAMS. The gentlelady yields back.
I now recognize Mr. Bresnahan from the great state of Pennsyl-
vania to speak on this legislation.
Mr. BRESNAHAN. Thank you, Mr. Chairman, and thank you to
the Ranking Member. I rise today alongside Representative Simon
in support of the Small Business Cybersecurity Assistance Evalua-
tion Act of 2026. This bipartisan legislation directs the GAO to
study the effectiveness of existing federal cybersecurity assistance
resources available to small businesses and identify where im-
provements are needed. In the United States, small businesses are
210 percent more likely to experience cyber incidents compared to
larger companies, a challenge Congress can no longer afford to
overlook. By evaluating gaps in current federal programs, this bill
will help ensure small businesses have better access to the tools,
training, and resources they need to defend themselves against
cyberattacks. As cyber threats continue to evolve, our support sys-
tem for small businesses must evolve as well. I strongly urge my
colleagues to support this legislation. Thank you, Mr. Chairman. I
yield back.
Chairman WILLIAMS. The gentleman yields back. Are there any
other Members who wish to be recognized for a statement?
Seeing none, I would like to recognize the Ranking Member to
speak on the bill.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. I thank Represent-
atives Simon and Bresnahan for their leadership on this important
issue. According to the U.S. Chamber of Commerce, 99 percent of
small businesses use at least one technology platform, with most
using at least four. Yet only a quarter of small businesses use cy-
bersecurity and malware detection tools. That is because small
businesses lack the time, skills, and resources to adopt effective cy-
bersecurity measures compared to their larger competitors.
Cybercriminals are well aware of these vulnerabilities and exploit
them at main street’s expense. A single cyberattack could pose an
existential threat to a small business.
The federal government has multiple cybersecurity resources for
small businesses, but they are spread across agencies rather than
provided by the expert in small business outreach, the SBA. The
Small Business Cybersecurity Assistance Evaluation Act will direct
the GAO to study and report to Congress the state of federal small
business cybersecurity assistance and make recommendations to
optimize their impact and use by main street entrepreneurs. I urge
all colleagues to vote yes. With that, I yield back.
Chairman WILLIAMS. The gentlelady yields back. Thank you.
And I now recognize myself to speak in support of this legisla-
tion.
Small businesses are increasingly vulnerable to cybersecurity
threats that negatively affect the business operations, profit mar-
gins, and reputation. From ransomware to fraud, bad actors have
been targeting main street, and yet many businesses lack the re-
sources necessary to defend themselves. Many federal agencies
have cybersecurity assistance programs, tools, and resources for
small businesses, but these efforts are often difficult to navigate,
underutilized, or outdated, usually, and that is what H.R. 8880
aims to address. This bill will help expose where cybersecurity as-
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sistance is lacking. H.R. 8880, the Small Business Cybersecurity
Assistance Evaluation Act of 2026, directs the Government Ac-
countability Office to evaluate the cyber-attacks threatening small
businesses and the effectiveness of federal programs in preventing
them.
Now, this bill would also require the GAO to evaluate the effec-
tiveness, coordination, and awareness of existing federal cybersecu-
rity assistance programs for small businesses. The legislation takes
a practical approach by evaluating what works and what does not,
ensuring the small businesses have the tools and information need-
ed to protect themselves. So I urge my colleagues to vote yes on
H.R. 8880, and I yield back.
Does anyone wish to offer an amendment? Seeing none, the ques-
tion now occurs on ordering H.R. 8880 reported favorably to the
House. All in favor say aye.
All opposed say no.
In the opinion of the Chair, the ayes have it, and H.R. 8880
is——
Mr. BRESNAHAN. Mr. Chairman.
Chairman WILLIAMS. Yes, sir. What purpose do you seek?
Mr. BRESNAHAN. I ask for a recorded vote.
Chairman WILLIAMS. A Member has asked for a recorded vote,
and a recorded vote has been requested. A roll call vote is ordered,
and pursuant to Committee Rule 13 and House Rule 11, further
proceedings on this bill are postponed.
H.R. 8881
The committee now moves to consideration of H.R. 8881, the SBA
AI Utilization Act of 2026, introduced by Representatives Finstad
and Latimer. The clerk will report the bill.
The CLERK. H.R. 8881, a bill to amend——
Chairman WILLIAMS. Without objection, H.R. 8881 is consid-
ered as read and open for amendment.
I now recognize Mr. Finstad from the great state of Minnesota
to speak on this legislation.
Mr. FINSTAD. Thank you, Chairman Williams. I am happy to
speak today in support of my bill, the SBA Artificial Intelligence
Utilization Act. I also serve on the Ag Committee, and AI on the
Ag Committee means something very different. So I am going to
make sure I have my talking points right here for the SBA. The
artificial intelligence and machine learning continue to revolu-
tionize the way businesses conduct themselves, and it is important
that the federal government, including the Small Business Admin-
istration, look into the benefits that can be gained from incor-
porating these technologies. There is an opportunity here. AI could
be a useful tool for the SBA to improve its information processing
capabilities, ease its administration, and better assist the entre-
preneurs and small businesses of America.
However, like any new technology, it raises questions about
transparency, reliability, oversight, and risk. This bill will simply
mandate that the SBA report to Congress annually about the use
of AI and machine learning by the SBA. What benefits or risks
may result from this technology, and how the SBA assesses the ap-
propriateness, effectiveness, and the value of using these tech-
nologies. This is a common-sense oversight measure. It does not
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mandate the use of AI, nor does it prohibit innovation. Instead, it
ensures Congress has the visibility into these new tools that are
being used and whether they are helping the SBA better fulfill its
mission for small businesses.
As technology evolves, Congress has the responsibility to ensure
federal agencies are using it responsibly, transparently, and effec-
tively. This is a bipartisan bill, and I want to thank Congressman
Latimer for his work on this. I appreciate the committee’s consider-
ation of this bill, and I urge my colleagues to support it. I yield
back.
Chairman WILLIAMS. I now recognize Mr. Latimer from the
great state of New York, to speak on this legislation.
Mr. LATIMER. Thank you, Mr. Chairman, and thank you, Con-
gressman Finstad, for your leadership on this bill. It is a bipar-
tisan, common-sense bill. It reflects that we as a nation are dealing
with the growth of AI with potential uses that carry great benefit,
potential benefit, and great potential risks. And there is questions
of accuracy and data privacy that affect all of us across the aisle,
on both sides of the aisle. I am pleased to co-lead this bill with
Congressman Finstad under the leadership of Chairman Williams,
and then also Ranking individual, Nydia Velázquez.
This bill directs SBA to report on the steps the agency can take
to identify and manage the benefits and risks posed by these AI
use cases. And we think this is an important step for our small
businesses. I support the bill. I hope we all will support the bill.
And Mr. Chairman, I yield back.
Chairman WILLIAMS. The gentleman yields back.
Are there any of the Members who wish to be recognized for a
statement? All right.
Seeing none, I would like to recognize the Ranking Member to
speak on this bill.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. I commend Rep-
resentatives Finstad and Latimer for their leadership on this bill.
In October of 2023, New York City launched a first-of-its-kind arti-
ficial intelligence chatbot. It was meant to answer the questions of
entrepreneurs about opening small businesses, local small business
services, regulatory compliance, and business planning and strat-
egy. On day one, I spotted issues with the accuracy of the chatbot’s
outputs and its ability to answer questions. In response, I led a let-
ter to the White House urging the consideration of common sense
safeguards in any AI tool used by the federal agencies. Mr. Chair-
man, I ask unanimous consent to insert the letter into the record.
Chairman WILLIAMS. So agreed.
Ms. VELÁZQUEZ. According to an investigation by a local news
outlet, my concerns were very real. The investigation determined
that the chatbot was consistently hallucinating and encouraging
small business owners to break laws and regulations, which led it
to be shut down.
AI has the incredible potential to revolutionize the way the gov-
ernment works, but it also holds incredible risk. As the committee
overseeing the SBA, we have a duty to ensure the agency considers
and uses these tools responsibly and effectively. This bill directs
the SBA to report annually on its AI use, the benefits and risks,
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and effective risk mitigation measures. With that, I urge all col-
leagues to vote yes, and I yield back.
Chairman WILLIAMS. Thank you. I now recognize myself to
speak on the bill. Businesses across the country adopting artificial
intelligence, which is reshaping how they operate, detect fraud, im-
prove customer service, and process information. And there is no
reason why the SBA cannot also benefit from these efficiencies. In
the SBA artificial—The Artificial Intelligence Utilization Act of
2026 is a forward-looking bill introduced by my colleagues Rep-
resentative Finstad and Latimer. H.R. 8881 requires the SBA’s re-
port on how it is using AI to modernize its technology and improve
operations.
As the federal government works to prevent fraud in taxpayer
dollars, AI tools can help the SBA better identify suspicious activ-
ity, detect improper payments, and strengthen oversight of the
agency programs. By reporting the SBA’s use of artificial intel-
ligence, this bill will help promote a smarter, more efficient govern-
ment while supporting innovation, protecting taxpayers’ dollars,
and improving services for Main Street America. So I urge my col-
leagues to vote yes on H.R. 8881. I yield back.
Does anyone wish to offer an amendment? Seeing none, the ques-
tion now occurs on ordering H.R. 8881 reported favorably to the
House. All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it, and H.R. 80——
Mr. FINSTAD. Mr. Chair?
Chairman WILLIAMS. Yes, sir?
Mr. FINSTAD. I would ask for a recorded vote.
Chairman WILLIAMS. All right, a Member has asked for a re-
corded vote. A recorded vote has been requested. A roll call vote is
ordered. Pursuant to Committee Rule 13 and House Rule 11, fur-
ther proceedings on this bill now are postponed.
H.R. 8882
The committee now moves to consideration of H.R. 8882, the
Main Street Competes Act, introduced by Representatives Scholten
and Schmidt. The clerk will report the bill.
The CLERK. H.R. 8882, a bill to amend——
Chairman WILLIAMS. Without objection, H.R. 8882 is consid-
ered as read and open for amendment.
I now recognize Ms. Scholten from the great state of Michigan
to speak on this legislation.
Ms. SCHOLTEN. Thank you so much, Mr. Chairman. I am so
thrilled to speak in support of my bill, the Main Street Competes
Act. While small businesses are the true powerhouses of our econ-
omy, they’re often left to compete against a handful of large cor-
porations. Without a level playing field, this can lead to higher
prices for consumers and small businesses alike. Not to mention an
increase in predatory pricing and other exclusionary practices.
When industry consolidation goes too far, innovation is stifled, and
markets become difficult for small businesses to enter. The price
we all pay for unfair monopolistic conduct is real and it needs to
be addressed.
My bill would do just that by directing the SBA’s Office of Advo-
cacy to work with the FTC and the Department of Justice to exam-
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ine the gaps in our antitrust laws. Our Office of Advocacy is main
street’s voice within the federal government, and it is only right
that they’re in lockstep with our nation’s top antitrust enforcement
agencies. This bill will not only enhance collaboration between
these agencies on behalf of small businesses, it will also require ad-
vocacy to submit a report to Congress detailing antitrust violations
reported by small businesses. By ensuring main street has a seat
at the table, we can build an economy that creates opportunity for
everyone. I want to thank my colleague, Representative Schmidt,
for working with me on this legislation. I strongly urge my col-
leagues to support this bill.
Chairman WILLIAMS. The gentlelady yields back. I now recog-
nize Mr. Schmidt from the great state of Kansas to speak on this
legislation.
Mr. SCHMIDT. Thank you, Mr. Chairman, and I want to thank
my colleague for her longstanding leadership on this issue. I am
glad to join in this bipartisan effort this year. The only thing I
would add to the conversation, I worked a little bit on the antitrust
enforcement side, both under state law and also under federal law,
and one of the things that’s challenging is that these investigations
and enforcement actions, when appropriate, they can be very re-
source-intensive. And historically, they are focused very much con-
sumer-focused matters. We don’t want them to be less consumer-
focused. But we do want to recognize that small businesses are a
critical player who have a stake in the outcome of antitrust en-
forcement and investigation decisions and in the deployment of
scarce resources in those actions.
And the reporting requirements in this bill will ensure that small
business has a voice at the table and that this committee and our
colleagues have the information that we need to make appropriate
policy judgments to be sure that those marketplaces that benefit all
of us when they’re competitive are properly served from the van-
tage point of small business, as well as the vantage point of con-
sumers, and the vantage point of overall public policy and struc-
tured markets. So I want to thank my colleague for her work on
this. Thank you, Mr. Chairman, for scheduling this, and I encour-
age all of our colleagues to support this measure. I yield back.
Chairman WILLIAMS. The gentleman yields back. Are there any
other Members who wish to be recognized for a statement?
Ms. GOODLANDER. Mr. Chairman, if I may?
Chairman WILLIAMS. Yes, ma’am.
Ms. GOODLANDER. I want to just say, I want to say that I
strongly support this bill. I am really grateful to my colleagues for
their leadership on it. As someone who came to this committee
from the Department of Justice, where my job was to enforce our
federal antitrust laws, this piece of legislation is near and dear to
my heart. What I saw on the front lines of the fight to enforce
these laws, which for far too long have not been enforced, is con-
solidation like never before across our economy.
We see it from the big ag corporations who are screwing family
farmers, the mega-merge grocery chains that are squeezing family-
owned independent grocers. I just sat with many of them a few
minutes ago before this hearing. We see what consolidation is
doing. And I am a proud capitalist, but I am a capitalist who really
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believes that capitalism without competition is not capitalism. It is
a form of exploitation that is making business impossible for our
small businesses. So this, this is a common-sense bill that really
will fill gaps. I wish that this bill had been law when I served in
the Justice Department, because when you’re in the federal execu-
tive branch, you can often be far too removed from the communities
who you’re proud to serve.
And this is going to create the connective tissue that we need be-
tween Congress and our antitrust enforcers, and ultimately the
connective tissue and the information flow that we need from small
businesses who are on the front lines of this fight. So I thank my
colleagues for their leadership on this bipartisan bill, and I urge all
of our colleagues to support this. Thank you, and I yield back.
Chairman WILLIAMS. The gentlelady yields back. Are there any
other Members who wish to be recognized for a statement? All
right, seeing none, I would like to recognize the Ranking Member
to speak on this bill.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. For the last half
century, agencies tasked with maintaining a competitive environ-
ment and a level playing field have neglected to enforce the laws
on the books. As a result, our economy has grown increasingly con-
solidated. One study has found that 75 percent of industry have be-
come more concentrated since the mid-1990s. Firms who garner
market power often use that power against their competitors in the
form of anti-competitive practices like price discrimination or self-
preferencing. These practices increase the barrier to entry for small
firms or use their software as a digital tool for accessing markets.
The SBA is a critical part of our nation’s pro-competition toolkit,
supporting small business creation and growth, but it cannot bol-
ster small businesses alone. Strong antitrust enforcement has a
real role to play in protecting a level playing field for small busi-
nesses. This bill makes perfect use of our Office of Advocacy, ask-
ing it to monitor the actions of other agencies and how their ac-
tions affect small businesses while leveraging their economic anal-
ysis to help Congress understand the structural issues small firms
face when competing in the market and developing recommenda-
tions for how we can address those issues. I want to thank Rep-
resentatives Scholten and Schmidt for their work on this bill. I en-
courage a yes vote, and I yield back.
Chairman WILLIAMS. The gentlelady yields back. Thank you.
And I now recognize myself to speak on this bill.
Competition is a key tenant of capitalism. It allows consumers to
choose with dollars between their business that will offer the best
product, price, or service. Without appropriate competition, innova-
tion in the U.S. economy will suffer. And H.R. 8882, the Main
Street Competes Act, aligns with the SBA’s mission to preserve
free competitive enterprise and strengthen the small—the overall
economy of our nation by requiring the Department of Justice and
the Federal Trade Commission to provide data on the SBA Office
of Advocacy on antitrust complaints, investigations, and enforce-
ment actions involving small business.
It also detects advocacy to evaluate these trends and provide rec-
ommendations to Congress on ways to improve competition and ad-
dress harmful anti-competitive conduct. This bill takes a targeted,
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data-driven approach to better understand those competitive pres-
sures and determine whether current antitrust enforcement efforts
adequately protect small businesses. So this bill will ensure that
policymakers have the information they need to support a competi-
tive marketplace for main street businesses can grow and can suc-
ceed. So I urge my colleagues to vote yes on H.R. 8882, and I yield
back.
Now, does anyone wish to offer an amendment? All right seeing
none, the question now occurs in ordering H.R. 8882 reported fa-
vorably to the House.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it.
And each Member will seek recognition.
What is it?
Mr. SCHMIDT. Mr. Chairman, I would request a recorded vote.
Chairman WILLIAMS. A recorded vote has been requested. A
roll call vote is ordered. Pursuant to Committee Rule 13 and House
Rule 11, further proceedings on this bill now are postponed.
H.R. 915
The committee now moves to consideration of H.R. 915, the
Small Business Technical Act of 2025, introduced by Representa-
tives Alford, Lee, and Mrvan, with Representative McGarvey as the
committee co-lead. The clerk will report the bill.
The CLERK. H.R. 915, a bill to authorize——
Chairman WILLIAMS. Without objection, H.R. 915 is considered
as read and open for amendment.
I now recognize Mr. Alford from the great state of Missouri to
speak on this legislation.
Mr. ALFORD. Well, thank you, Mr. Chair and Ranking Member.
Thank you for excusing my absence from most of this. We’ve been
across the hall in Appropriations Markup. This bill is very impor-
tant to me. Small businesses are the backbone of our economy.
They create jobs, they strengthen local communities, and drive in-
novation across this country. But in today’s economy, a small busi-
ness cannot compete without access to modern technology and dig-
ital tools. Whether it is cloud-based accounting software, payroll
systems, cybersecurity protections, inventory management plat-
forms, or emerging AI tools, technology is no longer a luxury for
small businesses.
It is essential to ensuring that main street keeps up with Wall
Street. Unfortunately, Mr. Chairman, under the SBA’s flagship 7a
loan program, there have been unnecessary ambiguity surrounding
whether these types of tools qualify as eligible business expenses.
And that uncertainty creates confusion for lenders and limits ac-
cess to capital for entrepreneurs simply trying to modernize their
operations. While I am grateful that Administrator Loeffler quickly
amended the SBA standard operation procedure to add clarity to
these products that are allowed, it is still important for Congress
to do our job and to make sure that such clarity is done with the
force of law.
The Small Business Technological Advancement Act provides a
simple, common-sense fix. Our legislation clarifies that SBA 7a
loans may be used for business software, cloud computing services,
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and other technologies that facilitate business operations, including
tools powered by artificial intelligence. This bill does not create a
new program, and it does not increase the size or scope of the 7a
program. It simply updates SBA policy to reflect the realities of to-
day’s economy. And it gives small businesses the certainty they
need to invest in the tools required to grow and to compete.
You know, for many main street businesses, technology adoption
can mean the difference between expanding or falling behind. A
small manufacturer may need software to improve logistics and in-
ventory tracking. A local retailer may rely on cloud-based payment
processing and cybersecurity tools. These are practical investments
that help small businesses operate smarter and compete with larg-
er firms that already have access to these resources.
Quite simply, at the end of the day, this bill is about making
sure that America’s small businesses are not left behind in an in-
creasingly digital economy. And if we want small businesses to suc-
ceed, which we all do here, to create jobs, to remain competitive,
we need to make sure that federal programs keep pace with mod-
ern business practices.
So, Mr. Chairman, I urge my colleagues to support this bipar-
tisan legislation, and I look forward to continuing to work with this
committee to advance it. Thank you so much, and I yield back.
Chairman WILLIAMS. The gentleman yields back.
I now recognize Mr. McGarvey from the great state of Kentucky
to speak on this legislation.
Mr. MCGARVEY. Thank you, Mr. Chairman. Thank you, Mr.
Chairman, Ranking Member Velázquez, for including your this bill
and for your support in this markup. You know, look, a lot has
changed in the last 25 years. My kids have never seen a phone
book. In fact, when they come here, one of the things they like to
do is see the phones that are still in the cloakroom because they’re
not used to seeing a landline either. We can’t pretend that tech-
nology is, is going to take over how we operate our businesses.
Technology has taken over and changed how we operate our busi-
nesses. And what we have to do is make sure that the rules and
regulations keep up with that technology.
That’s why I am proud to work with my friend Congressman
Alford from the great state of Missouri on this smart piece of legis-
lation. The Small Business Technological Act, it is just a common-
sense step towards ensuring that small businesses are able to take
on modern day problems with modern day solutions. This bipar-
tisan bill clarifies that small businesses may continue to use 7a
loans to finance business software, cloud computing services, and
other technologies that support their day-to-day operations.
And I say continue because we want to make sure they can con-
tinue to do this because this works. We have seen how successful
making technological programming an eligible use of funds in the
7a program has been, and I fully support this bill giving small
businesses the certainty they need to continue doing so. Small busi-
nesses are the backbone of the American economy. If we want them
to stay that way, then we are going to have to make sure we are
doing what we can to put them in a position to succeed. This bill
continues to do that. It is why I support it. I encourage my col-
leagues to support it, and I yield back.
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Chairman WILLIAMS. The gentleman yields back.
Are there any other Members who wish to be recognized for a
statement?
Seeing none, I would like to recognize the Ranking Member to
speak on the bill.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. I just want to
thank Representative Alford, McGarvey, and Lee for their work on
this matter and send a message to the financial institutions that
partner with SBA and SBA that the intent is clear. The 7a loans
can be used to finance digital tools. And with this change, it is my
hope we will track an increase in its usage regarding digital tools.
So I urge my colleagues to support this bill, and I yield back.
Chairman WILLIAMS. The gentlelady yields back.
I now recognize myself to speak on the bill.
I would like to thank my friend Representative Alford for intro-
ducing this bill earlier this Congress. From inventory and payroll
to customer service and payment processing, modern business soft-
ware is essential to the daily operation of main street businesses
across this country. And H.R. 915, the Small Business Technology
Act of 2025, provides an incredibly important clarification and re-
moves any ambiguity by explicitly permitting small businesses to
use SBA 7a loans to purchase and upgrade technology systems and
business software, including those that utilize artificial intelligence
to support their daily operations. This vital step to allow small
business to fully utilize the SBA’s flagship 7a loan program is an-
other way to make sure that main street does not get left behind.
This common-sense clarification will provide main street with fi-
nancing needed to operate, modernize, and compete in the modern
economy. So I urge my colleagues to vote yes on H.R. 915, and I
yield back.
Now, does anyone wish to offer an amendment? All right, seeing
none, the question now occurs on ordering H.R. 915 reported favor-
ably to the House.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it, and H.R. 915 is
agreed to.
Mr. ALFORD. Mr. Chairman?
Chairman WILLIAMS. Member seeks recognition. For what pur-
pose?
Mr. ALFORD. I ask for a recorded vote, please.
Chairman WILLIAMS. A recorded vote has been requested. A
roll call vote is ordered.
Pursuant to Committee Rule 13 and House Rule 11 further pro-
ceedings on this bill are postponed.
H.R. 2804
The committee now moves to consideration of H.R. 2804, the Pro-
tecting Small Business Competitions Act 2025, led by the Ranking
Member and myself. And the clerk will report the bill.
The CLERK. H.R. 2804, a bill to amend——
Chairman WILLIAMS. Without objection H.R. 2804 is considered
as read and open for amendment. The bill’s sponsor, Ranking Mem-
ber Velázquez, has an amendment in the nature of a substitute at
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the desk. The amendment has been distributed in advance. The
clerk will report the amendment.
The CLERK. Amendment in the nature of a substitute to H.R.
2——
Chairman WILLIAMS. Without objection, the amendment will be
considered read and will serve as the base text for the purpose of
further amendment.
I now recognize the Ranking Member to speak on her legislation
and the amendment.
Ms. VELÁZQUEZ. Thank you, Chairman Williams. I appreciate
your work to reach an agreement on this bill, and thank you to
Representative Cisneros and Chairman Williams for your support
and efforts to move it forward. When the administration began a
review of the government’s procurements regulations last year, re-
taining and codifying a critical small business requirement known
as the Rule of Two became a top priority. The Rule of Two is the
foundation for small business participation in the industrial base.
It is simple and effective. A contract must be set aside for a small
business only competition if there is an expectation that small busi-
nesses will bid and can do the work.
This long-established policy was put in place in recognition that
if small firms were required to compete against large corporations
it would be unlikely they will ever win a contract. With the Rule
of Two in place, well over $100 billion is awarded annually to small
businesses through contracts set aside for small business competi-
tions. In fiscal year 2024 alone, $72 billion was awarded through
general small business set-asides. That does not include contracts
awarded through one of SBA procurement programs, which my leg-
islation protects and enables.
I want to be clear about why we need to pass my bill and what
it does and doesn’t do. Small government contractors face an in-
creasingly hostile federal marketplace. As consolidation puts more
opportunities out of reach for small firms, we need to have policies
in place to ensure contracts that can be performed by small busi-
nesses are actually awarded to small businesses. The Protecting
Small Business Competition Act retains one of these key policies
and puts into law a current regulatory requirement. It does not ex-
pand the Rule of Two past its current application. We do not re-
quire all contracts to be awarded based on competition or override
mandatory sourcing, contracting officer discretion, choice of vehicle,
and so forth. We are preserving the CAM process that triggers
small business competition. That is why there is strong support
among the small business community. Hundreds of firms and orga-
nizations are urging support for my bill, and I ask unanimous con-
sent to insert letters into the record, Mr. Chairman.
Chairman WILLIAMS. So moved.
Ms. VELÁZQUEZ. When it was clear the Rule of Two was in
jeopardy last year, the small business community rallied, made
their voices heard, and secured its extension. We need to do our
jobs now and codify it. I urge all my colleagues to vote yes, and I
yield back.
Chairman WILLIAMS. The gentlelady yields back.
I now recognize myself to speak on this bill.
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For decades, the Rule of Two has been one of the most important
safeguards to ensure small businesses can fairly compete in the
federal marketplace and the industrial base. And for so many small
businesses, especially service-disabled veterans, these contracting
opportunities are critical to creating jobs, growing their business,
and continuing their service to their country.
H.R. 2804, the Protecting Small Business Competitions Act, as
amended, is a bipartisan bill that codifies the Rule of Two into law.
To be clear, the Rule of Two was implemented in regulation over
40 years ago, and this bill does not change the current procurement
process. This is an important point that I really want to, to high-
light. And the Trump administration reaffirmed the importance of
this policy for small businesses by preserving the Rule of Two in
the revolutionary FAR overhaul, by restoring certainty back to
small businesses that rely on it most. This bill guarantees that con-
tracts above the simplified acquisition threshold must be set aside
for small businesses whenever a contracting officer expects at least
2 qualified small businesses to compete.
This bill, as amended, mirrors the administration’s effort to re-
store predictability for small businesses competing in the federal
marketplace and reserve opportunities for main street job creators,
innovators, and veteran entrepreneurs. So over 340 small busi-
nesses and associations, including veterans and tribes, support this
legislation. So as we move this bill to the House floor, I am com-
mitted to working alongside the Ranking Member and all federal
contractors to strengthen opportunities that small businesses will
have, ensuring outside organizations are not unintentionally im-
pacted by this policy.
Now I would like to thank the Ranking Member for working with
me on this bill, and that to protect small business success. I urge
my colleagues to vote yes on H.R. 2804, and I yield back.
Are there any other Members who wish to be recognized for a
statement?
Mr. CISNEROS. Mr. Chairman, I wish to be recognized.
Chairman WILLIAMS. I now recognize Mr. Cisneros to speak on
this bill and the amendment.
Mr. CISNEROS. Thank you, Mr. Chairman. And I am proud to
stand with you and Ranking Member Velázquez and hundreds of
small businesses and stakeholder groups across the country to safe-
guard small businesses and protect the right to compete for govern-
ment contracts. I applaud the leadership and persistence of the
Ranking Member towards codifying the Rule of Two.
The Rule of Two gives small businesses a fighting chance and
prevents large corporations from boxing them out of competition.
At a time when our industrial base is shrinking, it is exactly the
type of bipartisanship that our small businesses need from Con-
gress to support the continued access and entry into the federal
market and to compete for federal contracts. We heard as much at
our contracting and infrastructure subcommittee hearing, where
one of the witnesses put it bluntly: It has been such a priority for
our small businesses that I had to ask the SBA administrator
about it the only time she joined our full committee nearly a year
ago. The advocacy of the small business community helped retain
the Rule of Two in the recent overhaul to the Federal Acquisition
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Regulations. However, there is a 4-year sunset provision that
makes the future retention of the Rule of Two less secure. That is
why I urge my colleagues to support H.R. 2804 and codifying the
Rule of Two. I yield back.
Chairman WILLIAMS. Are there any other Members who wish
to be recognized for a statement? All right. Does anyone wish to
offer an amendment to the amendment in the nature of a sub-
stitute?
Seeing none, the question now occurs on the adoption of the
amendment in the nature of a substitute to H.R. 2804. All those
in favor say aye. All those opposed say no. In the opinion of the
Chair, the ayes have it. The amendment in the nature of a sub-
stitute to H.R. 2804 is adopted.
The question now occurs on ordering H.R. 2804 as amended to
be reported favorably to the House.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it.
Mr. STAUBER. Mr. Chair?
Chairman WILLIAMS. The Member will seek recognition for
what purpose?
Mr. STAUBER. I ask for a recorded vote.
Chairman WILLIAMS. Ask for a recorded vote. A recorded vote
has been requested and a roll call vote is ordered. Pursuant to
Committee Rule 13 and House Rule 11, further proceedings on this
bill are now postponed.
H.R. 5498
Chairman WILLIAMS. The committee now moves to consider-
ation of H.R. 5498, the Small Business Health Options Awareness
Act of 2024, introduced by Representatives Van Duyne, Tenny, and
Hern, and the clerk will report the bill.
The CLERK. H.R. 5498, a bill to require——
Chairman WILLIAMS. Without objection H.R. 5498 is considered
as read and open for amendment. The bill sponsor, Ms. Van Duyne,
has an amendment in the nature of a substitute at the desk. The
amendment has been distributed in advance. The clerk will report
the amendment.
The CLERK. Amendment in the nature of a substitute to H.R.
54——
Chairman WILLIAMS. Without objection the amendment will be
considered as read and will serve as to the base text for the pur-
pose of further amendment. I now recognize Ms. Van Duyne to
speak on her legislation and the amendment.
Ms. VAN DUYNE. Thank you very much, Mr. Chair. Small busi-
nesses drive innovation and they create jobs and they strengthen
communities across the country, but too often they’re forced to
navigate a confusing and expensive healthcare system without
clear information about all of the options that are available to
them. In North Texas, I regularly hear from small business owners
who want to provide quality health coverage for their employees,
but they simply don’t have the time or resources to sort through
every possible option while also trying to keep their businesses
running. And that’s why the Trump administration’s creation of In-
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dividual Coverage Health Reimbursement Arrangements, or
ICHRAs, was such an important step forward.
ICHRAs give employers a flexible, tax-advantaged way to help
employees purchase the health coverage that works best for them
and their families. They reduce administrative burden on employ-
ers, they expand choice for workers, and they create a more mod-
ern and affordable approach to employer-sponsored coverage. The
problem is not that they don’t work. The problem is that many
small business owners don’t even know that they exist. So my bill,
the Small Business Health Options Awareness Act, is a common-
sense effort to fix that problem by ensuring that the Small Busi-
ness Administration actively shares information about ICHRAs
through its district offices, its small business development centers,
websites, social media, and other outreach tools already used to
communicate with job creators across the country.
This legislation does not create a new program or a mandate or
a bureaucracy. It simply ensures that small businesses have access
to information about an option that could help them provide more
affordable and flexible health benefits to their employees. I hope
my colleagues on both sides of the aisle can agree that small busi-
nesses deserve to know all the tools that are available to help them
compete and grow and support their workers. And I urge support
for this legislation, and I yield back.
Chairman WILLIAMS. The gentlelady yields back. Are there any
other Members who wish to be recognized for a statement?
Seeing none, I would like to recognize the Ranking Member to
speak on the bill and speak on the amendment.
Ms. VELÁZQUEZ. Thank you, Mr. Chairman. Well, I agree with
my colleagues that it is important to provide more information to
small businesses so that they can better meet the healthcare needs
of their workers. I unfortunately cannot support this legislation for
a number of reasons. First, the bill would require the SBA and the
SBDCs to distribute materials only on individual coverage health
reimbursement accounts, often referred to as ICHRAs. Over half of
all Affordable Care Act marketplace enrollees are small business
owners, employees, or self-employed. By directing the SBA to pro-
vide information only on ICHRA without requiring information on
the ACA Marketplace creates a significant gap in the guidance
available to small businesses.
Many employers rely on the SBA and SBDC as a trusted re-
source and presenting only one option risks limiting their under-
standing of the full range of choices. To make informed decisions,
small businesses need a complete overview of all options available
to them. With that said, ICHRAs need fixing to truly offer quality
health care. ICHRAs can be used by employers to discriminate
against certain classes of workers by shifting older or sicker em-
ployees, for example, into the individual marketplace, which in
turn raises premiums and increases overall risks.
A Brookings Institution analysis found that allowing employers
to offer ICHRAs alone with a group health plan could increase pre-
miums anywhere from 16 to 93 percent. And if an employee is of-
fered an ICHRA, they are not eligible for subsidized marketplace
coverage unless their share of the premium is less than 10 percent.
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For many low-wage workers, they will be better off without an
ICHRA.
Put simply, it doesn’t make sense. And even more baffling, This
bill forces SBDCs to spread the word while the President’s budget
eliminates their funding and SBA refuses to pay them on time for
services rendered. The Colorado SBDC hasn’t received their first
quarter payment of $742,000, which is typically awarded in early
February. Because of the delays, services have been cut, employees
may be furloughed, and centers may close. Relying on SBDCs when
they are being cut shows a clear lack of understanding of the entire
situation at hand. Instead of pushing a partisan devices bill, we
should be working together to conduct oversight of the SBA and en-
sure our resource partners are getting paid on time for the coun-
seling services they provide. We can also work together to offer a
comprehensive slate of healthcare information to ensure employers
and the workers can make informed decisions. To truly help with
the affordability crisis, every option should be provided to busi-
nesses because doing so could mean the very survival of the oper-
ation, and doing so should be a shared priority. Unfortunately, this
is not the case.
Instead, the Trump administration is bilking taxpayers to bank-
roll a billion-dollar ballroom. And rather than lowering costs and
making life better for small businesses, the Trump administration
is making life harder and more expensive. They have ripped
healthcare from millions, cut food assistance for kids, veterans, and
seniors, and raised prices on everything from groceries to utilities.
And let’s not get started on the price of gas. Republican policies
spike premiums during an ongoing affordability crisis, rip health
coverage away from millions of Americans, to pay for tax cuts for
the rich. And this, this is your plan for healthcare? The bottom
line: this is a messaging bill that won’t accomplish anything. The
SBA already has the authority to do it if it chooses. In reality, it
is just an opportunity for Members to talk about healthcare and
give the appearance of taking action. I urge my colleagues to vote
no. I now yield back.
Chairman WILLIAMS. The gentlelady yields back.
I thank you, and I now recognize myself to speak on the bill and
the amendment.
One of the biggest challenges facing small business today is the
rising cost of providing employee healthcare benefits. In the first
Trump administration, individual coverage health reimbursement
arrangements, known as ICHRAs, were made available to employ-
ers to offer flexible tax-advantaged health insurance coverage by al-
lowing them to reimburse employees for the cost of premiums for
their individual health coverage. Offering flexible, affordable
healthcare insurance plans will increase the attraction of small
businesses when competing with larger companies for talent. And
even at the state level, lawmakers today are incentivizing small
businesses to adopt ICHRAs.
H.R. 5498, the Small Business Health Options Awareness Act, is
a common-sense bill that enhances the Trump administration’s ef-
forts to expand affordable healthcare options to small businesses by
leveraging existing outreach programs to educate small business on
how ICHRAs offer competitive health benefits. This bill supports
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the administration’s efforts to increase affordability in all sectors
by giving employees of small businesses affordable healthcare op-
tions. I urge my colleagues to vote yes on H.R. 5498 as amended,
and I yield back.
Does anyone wish to offer an amendment to the amendment on
the nature of a substitute?
Ms. SCHOLTEN. I do, Mr. Chairman.
Chairman WILLIAMS. For what purpose does the gentlelady
seek recognition?
Ms. SCHOLTEN. I have an amendment at the desk.
Chairman WILLIAMS. There is an amendment at the desk. We
will briefly pause while staff distribute the amendment. Okay, the
clerk will report the amendment.
The CLERK. Amendment to the amendment in the nature of a
substitute to H.R. 54——
Chairman WILLIAMS. Without objection the amendment is con-
sidered as read. I now recognize Ms. Scholten from the great state
of Michigan for 5 minutes on the amendment.
Ms. SCHOLTEN. Mr. Chairman, thank you so much. I couldn’t
agree more with your statements. Back home in Michigan too, the
number one thing that I hear about when visiting from small busi-
nesses is their deep concerns over the costs of healthcare, especially
employee-provided healthcare. Finding the right health insurance
can be incredibly complicated. Having the wrong health insurance
is costly. Small businesses should have access to every tool, every
option available to them and their employees so that there is no
question that the Small Business Administration should be playing
a role in educating business owners about their coverage. I like this
idea.
However, the approach taken in H.R. 5498, the Small Business
Health Options Awareness Act, emphasis on options is incomplete.
The bill would require the SBA to provide information on one and
only one healthcare option: the Individual Coverage Health Reim-
bursement Accounts, or ICHRAs. Through ICHRAs, employers can
reimburse their employees for qualified healthcare costs. While this
option may be useful for some employers, it is by no means a silver
bullet to the larger problem within our healthcare system.
For example, some individuals who, who may qualify for ICHRAs
would be ineligible for other healthcare coverage such as the Af-
fordable Care Act premium tax credits. By requiring the SBA to in-
form entrepreneurs about this option at the expense of other cov-
erage plans, this bill pushes a program that won’t work for many
entrepreneurs. As a Member of this committee, we are all too fa-
miliar with the pitfalls of a one-size-fits-all approach, and we
should be wary of legislation like this that stands no chance of ad-
dressing the diverse challenges that small businesses face.
So let’s, let’s do it. Let’s have the SBA inform small business
owners of their options, all their options, when it comes to
healthcare. And if this program is the best, if it is one that all the
employers want to choose, then there would be no problem. We’ll
see how great it is and undoubtedly how many will choose it. My
amendment is simple. It would require the SBA to share informa-
tion on healthcare options in general without putting one par-
ticular plan over the other. It is because our business owners de-
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serve options that work best for their unique needs. And I think
we all hear from businesses in our district that are struggling to
care for their workers and sustain this operation.
So let’s focus our efforts on giving our small businesses the flexi-
bility and the options the information that they need to choose
what’s best for them. I urge my colleagues to support this amend-
ment, and I yield back.
Chairman WILLIAMS. The gentlelady yields back. Is there fur-
ther debate on the amendment?
Ms. Van Duyne, recognized for 5 minutes.
Ms. VAN DUYNE. I very much appreciate that. Again, you
know, the amendment that is being put on the table basically guts
my original bill by removing the entire focus on the ICHRAs and
replacing it with vague healthcare outreach language. The purpose
of this legislation is to address a specific awareness gap for small
businesses about the ICHRAs, not create a broad new healthcare
communications mandate for SBA. ACA exchanges and Medicaid
already receive extensive federal outreach and taxpayer-funded
promotion. It is already happening. It is been happening for years.
ICHRAs do not, which is exactly why this bill was introduced. I
urge my colleagues to support the bill, and I yield back.
Chairman WILLIAMS. The gentlelady yields back.
Is there further debate on the amendment?
Ms. SCHOLTEN. Mr. Chairman, I would just like to add that if
we are going to urge the SBA into a brand new arena of informing
small businesses about their healthcare options, the bill’s title
needs to live up to its name and provide all of those options to
small businesses. Currently, the SBA is not involved in informing
their partners, their participants, about healthcare options. Forcing
it to only inform them about one option does not give them the full
picture.
Chairman WILLIAMS. The gentlelady yields back.
Is there further debate on the amendment?
Ms. VELÁZQUEZ. Mr. Chairman?
Chairman WILLIAMS. Ranking Member is recognized for 5 min-
utes.
Ms. VELÁZQUEZ. I support Ms. Scholten’s amendment. I think
that is straightforward. Why are people so afraid of providing infor-
mation and let the people that are going to be benefiting from it,
the ability to make an informed decision by explaining what are
the options that they have in front of them? Why do we have to
push for only one option? That could be—that will make some of
them ineligible. So I ask my colleagues to support the amendment.
Thank you.
Chairman WILLIAMS. The gentlelady yields back. Is there fur-
ther debate on the amendment?
Mr. STAUBER. Mr. Chair?
Chairman WILLIAMS. Mr. Stauber is recognized for 5 minutes.
Mr. STAUBER. I want to yield some of my time to Representa-
tive Van Duyne.
Ms. VAN DUYNE. Thank you very much.
Ms. Scholten, I would be more than happy to entertain if you
want to change the name of the bill. I would have loved to have
changed the name of the bill of the Affordable Care Act, which is
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anything but, or the Inflation Reduction Act, which was anything
but. So if you would like to support a different name for the bill,
let me hear it. Thank you. I yield back.
Chairman WILLIAMS. The gentlelady yields back.
The gentleman yields back?
Mr. STAUBER. I yield back, yes.
Chairman WILLIAMS. The gentleman yields back. Is there fur-
ther debate on the amendment?
Mr. CISNEROS. Mr. Chairman, I would like to be recognized.
Chairman WILLIAMS. The gentleman’s recognized.
Mr. CISNEROS. I would like to yield some time, yield my time
to Ms. Slotkin. Scholten, sorry.
Ms. SCHOLTEN. Happens all the time. If the title is what you’re
concerned about, Ms. Van Duyne, we can change it to the ICHRA
Information Act, which would be a more apt description of what
you’re trying to do here. But I think the overall purpose of what
you’re trying to accomplish is actually noble. And as the number
one issue that small businesses are struggling with right now,
healthcare affordability, we absolutely should be encouraging the
SBA to provide them with all options, but that’s not what this bill
does. And so it is confusing, it is misleading to our small busi-
nesses, and that’s not what we should be in the business of doing.
The amendment is very simple. Let’s just provide it with all the op-
tions and they can choose the best one for them. Thank you.
Chairman WILLIAMS. The gentleman yields back?
Mr. CISNEROS. I would just like to say, Mr. Chairman, that I
too, also support this amendment. And again, if it is important for
us to provide everybody with all the information possible on all the
health care plans available. So why not? You know, if the SBA is
going to provide information on this, provide all the information
that’s out there possible to all the programs that are available. And
with that, I support this amendment and I yield back.
Chairman WILLIAMS. Okay. Is there further debate on the
amendment?
Recognize Mr. Schmidt.
Mr. SCHMIDT. No, it is fine.
Chairman WILLIAMS. Okay, is there further debate on the
amendment? Okay.
Thank you, Ms. Scholten, for offering an amendment to this leg-
islation.
However, I urge my colleagues to vote no on this amendment. I
yield back. The question now occurs on the amendment offered by
the gentlelady from Michigan.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the noes have it, and the amendment
is not agreed to.
Ms. SCHOLTEN. Mr. Chairman, I request a recorded vote.
Chairman WILLIAMS. A recorded vote is requested, and a roll
call vote is ordered. Further proceedings on the amendment and
the bill are postponed. Are there additional amendments?
Ms. MORRISON. Mr. Chair, I would like to be recognized.
Chairman WILLIAMS. For what purpose does the gentlelady
seek recognition?
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Ms. MORRISON. Mr. Chair, I have an amendment at the desk.
Chairman WILLIAMS. There is an amendment at the desk. We
will briefly pause while staff distribute the amendment. The clerk
will report the amendment.
The CLERK. Amendment to the amendment in the nature of a
substitute to H.R. 5498.
Chairman WILLIAMS. Without objection, the amendment is con-
sidered as read. I now recognize Dr. Morrison from the great state
of Minnesota for 5 minutes on the amendment.
Ms. MORRISON. Thank you very much, Mr. Chair. My amend-
ment adds the requirement that when the Small Business Adminis-
tration and Small Business Development Centers are publicizing or
posting information about individual coverage health reimburse-
ment arrangements or Insurance Coverage Replacements, or
ICHRAs, on their website, they must include a notice explaining to
small businesses that ICHRAs may prevent employees from access-
ing premium tax credits under the Affordable Care Act market-
place for which they would otherwise be eligible.
Small businesses and their employees should be provided with
all pertinent information so they can make informed choices for
themselves and their families. I want to stress that many people
receive worse health care coverage under ICHRAs and that their
use can make people ineligible for premium tax credits that can be
used for more comprehensive and affordable coverage. Additionally,
ICHRAs may lead to healthcare discrimination against certain em-
ployees and push other healthcare costs even further by adding
higher-risk, part-time, and older employees to the exchange while
reserving better healthcare options for top executives.
As a physician, I know how crucial having access to affordable
health insurance is to keeping people healthy and the overall integ-
rity of our healthcare system. In addition to ICHRAs being an
unproven creation of the Trump administration with little initial
data to support the idea that they save costs, with the chaos and
instability caused by the so-called One Big Beautiful Bill, insurance
markets have been further destabilized and premiums have sky-
rocketed, making ICHRAs an even less secure option for coverage.
We should be working together to ensure that small businesses
have access to information about all types of healthcare coverage
so they can make the choice that’s best for them, not putting them
at greater risk for inadequate coverage.
I urge my colleagues to vote in favor of this amendment to en-
sure the Small Business Administration is providing small busi-
nesses with the relevant information they need to make informed
decisions about their healthcare coverage. Thank you, Mr. Chair, I
yield back.
Chairman WILLIAMS. The gentlelady yields back.
Is there further debate on the amendment?
I now recognize Ms. Van Duyne from Texas for 5 minutes.
Ms. VAN DUYNE. Thank you very much, Mr. Chairman. This
amendment is one-sided and extraordinarily misleading because it
highlights only potential subsidy impacts while ignoring the bene-
fits of employer-sponsored coverage flexibility under ICHRAS. It
also implicitly pushes employees toward remaining on subsidized
ACA coverage instead of employer-supported coverage options. Fur-
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ther, ACA premium subsidies have been repeatedly identified as
vulnerable to improper payments, eligibility issues, and fraud. Con-
gress, GAO, and the HHS OIG have all raised concerns about inef-
ficient income verification and improper enrollment practices from
the ACA subsidy structure.
Rather than helping small businesses offer coverage, this amend-
ment appears focused on steering individuals toward taxpayer-
funded ACA subsidies, a system that has faced repeated concerns
over improper payments, eligibility issues, and fraud. I urge my cli-
ents not to support this amendment, and I yield back.
Chairman WILLIAMS. The gentlelady yields back. Is there any
further debate on the amendment?
I now recognize the Ranking Member from New York, Ms.
Velázquez, for 5 minutes.
Ms. VELÁZQUEZ. No one can deny in this committee that small
businesses are struggling with the rising cost of healthcare, if they
can provide it. And this is a crisis that has been manufactured by
this administration by enacting the policies that they have imple-
mented. So small businesses and their employees are struggling
with healthcare costs. And with this affordability crisis, small busi-
nesses and their employees need all the pertinent information.
They need to know that their employees could be worse off with
ICHRA, and they need to know that their use could make them in-
eligible for the premium tax credit that they will provide that will
provide more generous and affordable coverage.
By directing SBA to provide information only on ICHRAs, while
failing to disclose that accepting an ICHRA could make them ineli-
gible for Premium Tax Credit, is misleading and, quite frankly,
problematic. Omitting that information risks steering small busi-
nesses away from coverage options that might be more affordable
and generous. That is why I strongly support the amendment of-
fered by my colleague, Dr. Morrison, which will require SBA to in-
clude a notice explaining that individuals may lose access to the
premium tax credits in the marketplace. I urge all my colleagues
to support it. I yield back.
Chairman WILLIAMS. The gentlelady yields back. Is there fur-
ther debate on the amendment? All right. Seeing none, I would like
to recognize myself on this amendment.
I appreciate Dr. Morrison’s amendment to this legislation. How-
ever, I urge my colleagues to vote no. I yield back.
The question now occurs on the amendment offered by the
gentlelady from Minnesota.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the noes have it.
Ms. MORRISON. Mr. Chair, I would like a recorded vote, please.
Chairman WILLIAMS. A Member requests a recorded vote. A re-
corded vote has been requested, and a roll call vote is ordered. Fur-
ther proceedings on the amendment in the bill are postponed. And
are there any additional amendments to the amendment in the na-
ture of a substitute to H.R. 5498?
Seeing none that concludes the consideration of legislation for to-
day’s markup.
Ms. VAN DUYNE. Excuse me, Mr. Chairman.
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Chairman WILLIAMS. Yes, ma’am.
Ms. VAN DUYNE. I request a recorded vote.
Chairman WILLIAMS. A recorded vote is requested, and the
committee will stand in recess.
Okay, the committee will stand in recess subject to the call of the
Chair. Members, please return at 4:05 to resume consideration of
the bills and amendments on which roll call votes were requested
and postponed.
[Recess.]
Chairman WILLIAMS. All right, this committee will now come
to order, and we will resume consideration of the bills on which roll
call votes were requested and postponed. We will begin with H.R.
4238. The question now occurs in order on H.R. 4238 as amended,
reported favorably to the House.
The clerk will open the vote.
Are there any Members who have not voted or wish to change
their vote? If not, the clerk will close the vote and the clerk will
report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
Chairman WILLIAMS. Motion agreed to, and H.R. 4238 is
amended and will be reported favorably to the House.
Question now occurs in order on H.R. 8879, reported favorably to
the House. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote and the clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
Chairman WILLIAMS. Okay, the motion is agreed to, and H.R.
8879 will be reported favorably to the House.
Question now occurs in order to H.R. 1826 as amended, reported
favorably to the House. The clerk will open the vote.
Are there any Members who have not voted or wish to change
their vote? If not, the clerk will close the vote and the clerk will
report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are zero.
Chairman WILLIAMS. The motion is agreed to and H.R. 826 as
amended will be reported favorably to the House.
The question now occurs in order in H.R. 8880, reported favor-
ably to the House. The clerk will open the vote.
[The vote was taken.]
Chairman WILLIAMS. Are there any of the Members who have
not voted or wish to change their vote? If not, the clerk will close
the vote. What? Are there any other Members
besides Alford who have not voted or would not change their
vote?
Okay, if not, the clerk will close the vote. The clerk will report.
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
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Chairman WILLIAMS. The motion agreed to, and H.R. 8880 will
be reported favorably to the House.
Question now occurs in ordering H.R. 8881 reported favorably to
the House. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote, and the clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
Chairman WILLIAMS. The motion is agreed to, and H.R. 8881
will be reported favorably to the House.
The question now occurs on ordering H.R. 8882 reported favor-
ably to the House. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote and the clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
Chairman WILLIAMS. The motion is agreed to and H.R. 882 will
be reported favorably to the House.
Question now occurs on ordering H.R. 915 reported favorably to
the House. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote and the clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
Chairman WILLIAMS. The motion is agreed to and H.R. 915 will
be reported favorably to the House.
The question now occurs on ordering H.R. 2804 as amended, re-
ported favorably to the House. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote. The clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 23 and the
noes are 0.
Chairman WILLIAMS. All right, the motion is agreed to, and
H.R. 2804, as amended, will be reported favorably to the House.
Okay, we will now take the proposed votes on H.R. 5498. Okay,
the question is on the adoption of the amendment to the amend-
ment in the nature of the substitute offered by Ms. Scholten to
H.R. 5498.
The clerk will report the vote. I’m sorry, will open the vote.
Are there any of the Members who have not voted? It’s too late.
Ms. VELÁZQUEZ. Wake up.
Chairman WILLIAMS. It’s too late. Okay. Are there any other
Members besides Cisneros who have not voted or wish to change
their vote? If not, the clerk will close the vote and the clerk will
report.
[The vote was taken.]
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The CLERK. Mr. Chairman, on this vote, the ayes are 11 and the
noes are 12.
Chairman WILLIAMS. Okay, the amendment is not agreed to.
The question is on the adoption of the amendment to the amend-
ment in the nature of a substitute offered by Dr. Morrison to H.R.
5498. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote and the clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 11 and the
noes are 12.
Ms. VELÁZQUEZ. Are you sure?
Chairman WILLIAMS. You want a recount? I mean, nobody’s
voting over there on your side.
The amendment is not agreed to.
Okay, the question now occurs on the adoption of the amendment
in the nature of a substitute offered by Representative Van Dyne
to H.R. 5498.
All those in favor say aye.
Opposed? All those say nay.
In the opinion of the Chair, the ayes have it. The amendment in
the nature of a substitute to H.R. 5498 is adopted.
Now the question is now on favorably reporting H.R. 5498 as
amended to the House.
All those in favor say aye.
All those opposed say no.
In the opinion of the Chair, the ayes have it, and H.R. 5498 as
amended——
Ms. VAN DUYNE. Mr. Chair?
Chairman WILLIAMS. Yes.
Ms. VAN DUYNE. I’d like to request a recorded vote.
Chairman WILLIAMS. Okay, a recorded vote has been re-
quested. A roll call vote is ordered. The clerk will open the vote.
Are there any other Members who have not voted or wish to
change their vote? If not, the clerk will close the vote and the clerk
will report.
[The vote was taken.]
The CLERK. Mr. Chairman, on this vote, the ayes are 13 and the
noes are 11.
Chairman WILLIAMS. All right, the motion is agreed to, and
H.R. 5498 as amended will be reported favorably to the House.
If there’s no further business, this concludes today’s markup.
Without objection, the committee staff has authorized to make
technical and conforming changes, and Members have two business
days to file additional supplemental dissenting minority views. I
want to thank all of you for being here today. Without objection,
we live in the greatest country in the world. The committee stands
adjourned.
[Whereupon, at 4:19 p.m., the committee was adjourned.]
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APPENDIX
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Æ
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File and source
- File
- CHRG-119hhrg63839.pdf
- Size
- 54,689,476 bytes
- SHA-256
- 9748889dcacf0a7e017f309765fc829e0c10638637d4cad4a5d0ff05cda6c64b
- Our copy
- CHRG-119hhrg63839.pdf
- Original
- www.govinfo.gov