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People & committees
Rep. Bresnahan, Robert P. [R-PA-8] · R–PA
Legislative record
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Referred to the House Committee on Small Business.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We also preserved the text version used in the PlainBill explanation below.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Sep 15, 2026. Consult Congress.gov for the current record.
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Analyze H.R.10328 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
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PlainBill explanation
Based on the full Introduced in House · 2026-09-10 text. This explanation has not received human editorial review. This overview describes the proposal’s major provisions; it does not establish what its real-world effects would be.
The proposed Badge-to-Business Act would generally eliminate a loan guarantee fee—a charge associated with guaranteeing a loan—for qualifying current and former career law enforcement officers seeking small-business express loans. Officers would need at least 10 years of service and would have to meet conditions concerning pending misconduct investigations or proceedings. The fee exemption would apply to loans made on or after January 1, 2027, subject to a cost-based exception.
This Act may be cited as the Badge-to-Business Act.
Except as provided in clause (ii), the Administrator may not collect a guarantee fee described in paragraph (18) in connection with a loan made under this paragraph to a qualified career law enforcement officer on or after January 1, 2027.
the term qualified career law enforcement officer means an individual who, at the time of application for an express loan, has completed not less than 10 years of service as a career law enforcement officer
(I) if currently employed as a career law enforcement officer, is not the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties; or (II) if separated from service, was not, at the time of such separation, the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties.
The Administrator may waive the requirements of clause (i) if the cost to the Administration of making such loans is greater than zero for a fiscal year, and such cost is directly attributable to the cost of guaranteeing such loans.
Section 2 would amend the Small Business Act’s express-loan provision to prohibit the Administrator from collecting the specified guarantee fee on qualifying loans made on or after January 1, 2027, unless the cost-based exception applies.
Section 7(a)(31) of the Small Business Act (15 U.S.C. 636(a)(31)) is amended by adding at the end the following new subparagraph:
Except as provided in clause (ii), the Administrator may not collect a guarantee fee described in paragraph (18) in connection with a loan made under this paragraph to a qualified career law enforcement officer on or after January 1, 2027.
The Administrator may waive the requirements of clause (i) if the cost to the Administration of making such loans is greater than zero for a fiscal year, and such cost is directly attributable to the cost of guaranteeing such loans.
The Administrator could set aside the fee exemption if making these loans has a cost greater than zero to the Administration for a fiscal year and that cost is directly attributable to guaranteeing the loans. This exception would be discretionary.
The Administrator may waive the requirements of clause (i) if the cost to the Administration of making such loans is greater than zero for a fiscal year, and such cost is directly attributable to the cost of guaranteeing such loans.
Applicants would need at least 10 completed years of service when applying for an express loan. The bill uses the definition of career law enforcement officer in a separate federal statute.
an individual who, at the time of application for an express loan, has completed not less than 10 years of service as a career law enforcement officer (as defined in section 1709 of the Omnibus Crime Control and Safe Streets Act of 1968 (34 U.S.C. 10389))
Currently employed officers would also need to have no pending criminal investigation or administrative proceeding involving alleged misconduct related to their official duties when they apply.
the term qualified career law enforcement officer means an individual who, at the time of application for an express loan,
if currently employed as a career law enforcement officer, is not the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties
For former officers, the pending-misconduct condition would be measured at separation from service: they must not have been subject to a pending criminal investigation or administrative proceeding involving alleged official-duty misconduct at that time.
if separated from service, was not, at the time of such separation, the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties.
The supplied actions snapshot, updated September 15, 2026, records introduction in the House and referral to the House Committee on Small Business on September 10, 2026.
Source snapshot updated 2026-09-15T08:05:32Z. 2026-09-10: Referred to the House Committee on Small Business. 2026-09-10: Introduced in House
A closer look
Reviewed version: Introduced in House · 2026-09-10. These findings describe provisions and who may benefit; they are not judgments of waste, corruption, or motive.
This review covers the supplied bill text. “None identified” does not rule out provisions in later versions or accompanying reports and disclosures.
Provisions outside the bill’s main subject, or policy changes attached to appropriations.
None identified in the reviewed text
No unrelated provision or policy change attached to appropriations was identified in the complete supplied introduced text. This conclusion does not extend to other versions or accompanying materials.
Spending directed to particular recipients or places outside ordinary competitive or formula-based allocation.
None identified in the reviewed text
No congressionally directed spending for particular recipients or places was identified in the complete supplied introduced text. This conclusion does not establish the absence of earmarks in other versions or accompanying materials.
Narrow exceptions, exemptions, or preferential treatment that warrant a closer look.
Findings to examine
The finding identifies narrow preferential treatment in the supplied introduced text without judging its justification.
Qualifying current and former career law enforcement officers would receive a special guarantee-fee exemption for express loans made on or after January 1, 2027. This occupational fee exemption is the bill’s central policy. The benefit requires at least 10 years of service and compliance with the applicable pending-misconduct condition, and the Administrator could set it aside under the stated cost exception.
Except as provided in clause (ii), the Administrator may not collect a guarantee fee described in paragraph (18) in connection with a loan made under this paragraph to a qualified career law enforcement officer on or after January 1, 2027.
The Administrator may waive the requirements of clause (i) if the cost to the Administration of making such loans is greater than zero for a fiscal year, and such cost is directly attributable to the cost of guaranteeing such loans.
the term qualified career law enforcement officer means an individual who, at the time of application for an express loan, has completed not less than 10 years of service as a career law enforcement officer
(I) if currently employed as a career law enforcement officer, is not the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties; or (II) if separated from service, was not, at the time of such separation, the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties.
Full text preserved for this analysis. Legislative record snapshot: Sep 15, 2026. How PlainBill uses AI