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119th Congress Commerce

H.R. 5788: 504 Program Risk Oversight Act

Passed HouseJan 20, 2026

  1. Introduced (completed)Oct 17, 2025
  2. Passed House (completed)Jan 20, 2026
  3. Passed Senate (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Reported to House, Dec 12, 2025

This bill requires the Small Business Administration (SBA) to annually conduct a risk analysis of all loans guaranteed under the 504 loan program.

The 504 loan program provides long-term, fixed-rate financing to qualifying small businesses for major fixed assets, such as land, buildings, equipment, and machinery.

The SBA must annually report the results of the risk analysis for each preceding fiscal year, including the steps taken by the SBA to mitigate the risks identified in the analysis.

Written by the Congressional Research Service, Library of Congress.

Roll calls

0 votes on this bill

No roll call votes have been held on this bill.

Amendments

0 offered

No amendments were offered to this bill.

Cosponsors

3

Bipartisan support.

Who scored on this bill

80 points earned
  1. 1Derek Tran D-CA SponsorDrew cross-party cosponsors, introduced, marked up, reported, passed House5 events+68
  2. 2Gilbert Cisneros D-CACosponsored; cosponsored bill passed2 events+4
  3. 2Maggie Goodlander D-NHCosponsored; cosponsored bill passed2 events+4
  4. 2Jimmy Patronis R-FLCosponsored; cosponsored bill passed2 events+4
See all scorers and every scoring event

Introductions and cosponsorships count toward weekly caps and show no points.

History

  1. Jan 20, 2026Passed the House by voice vote.
  2. Oct 17, 2025Introduced in the House by Derek Tran.
Show the full action history (13 actions)
  1. Jan 26, 2026Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
  2. Jan 20, 2026Mr. Williams (TX) moved to suspend the rules and pass the bill.
  3. Jan 20, 2026Considered under suspension of the rules. (consideration: CR H932-934)
  4. Jan 20, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 5788.
  5. Jan 20, 2026Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H933)
  6. Jan 20, 2026On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H933)
  7. Jan 20, 2026Motion to reconsider laid on the table Agreed to without objection.
  8. Dec 12, 2025Reported by the Committee on Small Business. H. Rept. 119-404.
  9. Dec 12, 2025Placed on the Union Calendar, Calendar No. 352.
  10. Nov 18, 2025Committee Consideration and Mark-up Session Held
  11. Nov 18, 2025Ordered to be Reported by the Yeas and Nays: 27 - 0.
  12. Oct 17, 2025Introduced in House
  13. Oct 17, 2025Referred to the House Committee on Small Business.