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People & committees
Rep. Thanedar, Shri [D-MI-13] · D–MI
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.
Source last updated: Jan 22, 2026. Consult Congress.gov for the current record.
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Analyze H.R.1893 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 · 2025-03-05 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 proposal would raise dollar limits for two types of business loans: 7(a) loans and development company loans. It would double the listed 7(a) limits and increase the listed development company loan limits to $10 million. These changes concern maximum loan amounts for businesses seeking loans through these programs.
Section 7(a)(3)(A) of the Small Business Act (15 U.S.C. 636(a)(3)(A)) is amended by striking $3,750,000 (or if the gross loan amount would exceed $5,000,000) and inserting $7,500,000 (or if the gross loan amount would exceed $10,000,000).
3. Maximum loan amount for a development company loan Section 502(2)(A) of the Small Business Investment Act of 1958 (15 U.S.C. 696(2)(A)) is amended— (1) by striking $5,000,000 each place it appears and inserting $10,000,000; and (2) by striking $5,500,000 each place it appears and inserting $10,000,000.
Section 1 would name the legislation the Loans In Our Neighborhoods Act of 2025, or LIONs Act of 2025.
This Act may be cited as the Loans In Our Neighborhoods Act of 2025 or the LIONs Act of 2025.
For 7(a) loans, section 2 would replace $3.75 million with $7.5 million in the specified statutory provision. It would also raise the accompanying gross loan amount threshold—the total loan amount—from $5 million to $10 million. The surrounding statute is not reproduced, so the supplied text does not fully explain how the two limits operate together.
Section 7(a)(3)(A) of the Small Business Act (15 U.S.C. 636(a)(3)(A)) is amended by striking $3,750,000 (or if the gross loan amount would exceed $5,000,000) and inserting $7,500,000 (or if the gross loan amount would exceed $10,000,000).
For development company loans, section 3 would replace every occurrence of $5 million and $5.5 million within the specified statutory provision with $10 million. The supplied text does not reproduce the existing rules identifying which loans fall under each amount.
Section 502(2)(A) of the Small Business Investment Act of 1958 (15 U.S.C. 696(2)(A)) is amended— (1) by striking $5,000,000 each place it appears and inserting $10,000,000; and (2) by striking $5,500,000 each place it appears and inserting $10,000,000.
The supplied action snapshot, updated January 22, 2026, records introduction in the House and referral to the House Committee on Small Business on March 5, 2025. It does not establish the bill's subsequent progress or enactment.
Source snapshot updated 2026-01-22T09:06:11Z. 2025-03-05: Referred to the House Committee on Small Business. 2025-03-05: Introduced in House
A closer look
Reviewed version: Introduced in House · 2025-03-05. 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 March 5, 2025 introduced text. This conclusion is limited to that version.
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.
None identified in the reviewed text
No materially narrow carve-out, special exemption, or preferential exception was identified in the complete supplied introduced text. This conclusion is limited to that version and does not treat ordinary program coverage as a targeted benefit.
Full text preserved for this analysis. Legislative record snapshot: Jan 22, 2026. How PlainBill uses AI