Latest action: Referred to the House Committee on Small Business.
Referred to one or more standing committees for review, hearings, and possible markup.
Specific committees not parsed from action data.
The committee may hold hearings, amend the bill, or let it die without action.
Next: Reported
Full chamber floor — Speaker / Majority Leader controls scheduling
Allows the Small Business Administration to give supplemental disaster loans to homeowner associations for repairs and prevention.
The problem
Homeowner associations struggle to repair common areas damaged by disasters and lack federal funding for disaster mitigation efforts.
The proposal
The bill creates a new SBA program providing supplemental disaster loans to homeowner associations for repairing disaster damage and implementing mitigation measures.
The impact
Homeowner associations, residents in HOA communities, and disaster-affected neighborhoods gain access to federal disaster recovery funding for common property restoration.
HOAs can quickly repair shared facilities like roads, pools, and common buildings after disasters. This helps residents return to normal life faster and maintains property values in affected communities.
HOAs can use loans to strengthen infrastructure against future disasters. This reduces long-term damage and costs by upgrading drainage systems, reinforcing structures, and improving emergency preparedness.
Current disaster programs often don't help HOAs with common areas. This bill extends federal disaster assistance to a group currently underserved by existing relief programs.
When common areas are restored quickly, neighborhood property values stay stable. This protects residents' largest financial investment and maintains community stability.
New federal loan programs require government resources and staff to administer. If HOAs default on loans, taxpayers may absorb losses through the SBA.
The bill provides little detail about interest rates, repayment periods, or eligibility requirements. Without clear rules, some HOAs may qualify unfairly while others don't.
Affluent HOAs with strong management may access loans easier than struggling ones. This could widen inequality in disaster recovery between wealthy and poor neighborhoods.
Some HOAs may struggle to repay loans, especially if residents cannot afford higher fees. This creates financial risk for the SBA program and potential losses.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
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