Analyst Brief November 06, 2026

H.R. 10355 — Disaster Loan Outreach Consistency Act

Current Status

Introduced

Executive Summary

The Disaster Loan Outreach Consistency Act mandates the Small Business Administration (SBA) to standardize and verify disaster loan outreach materials across all its field operations centers. Currently, decentralized field centers can issue inconsistent or outdated information regarding disaster loans, causing confusion for applicants during vulnerable times. This bill aims to ensure disaster victims receive accurate, uniform information about loan terms and eligibility by requiring standardized templates, a strict pre-release verification process, and regular congressional reporting.

Bill Data

Primary Sponsor

Rep. Mejia

Bill Number

H.R. 10355

Session

119th

Co-Sponsors

Rep. King-Hinds
View on Congress.gov ↗

Arguments For

  • Improves customer service for disaster survivors by preventing confusion caused by conflicting SBA field office communications.
  • Serves as a low-cost, 'good government' reform that provides an easy political win for members representing disaster-prone districts.

Likely Supporters

Small Business MajorityNational Federation of Independent Business (NFIB)Disaster recovery advocacy groups

Arguments Against

  • Adds bureaucratic red tape to disaster response, potentially slowing down the release of urgent, time-sensitive information to the public.
  • May restrict the flexibility of local field offices to tailor messaging to specific, unique local disaster conditions.

Likely Opponents

Internal SBA administrative pushback (unofficial)

📋 Key Provisions

  • Requires the SBA Administrator to establish procedures within 180 days to ensure all disaster field operations centers issue consistent and accurate outreach materials.
  • Mandates that outreach materials include current terms of the Section 7(b) disaster loan program and any changes to Federal disaster assistance eligibility.
  • Directs the creation of standardized templates and a pre-release verification process to ensure materials reflect current terms.
  • Requires the SBA to notify the House and Senate Small Business Committees within 30 days of establishing or making significant changes to these procedures.
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Claim Analysis Page 1, Line 8

Requires the SBA to establish procedures within 180 days of enactment.

Verify Text

"Not later than 180 days"

Claim Analysis Page 2, Line 17

Mandates the use of standardized templates for outreach materials.

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"standardized templates for outreach mate"

Claim Analysis Page 3, Line 5

Requires notification to congressional committees within 30 days of establishing or changing procedures.

Verify Text

"Not later than 30 days after"