An amendment to conduct a study on additional credit risk factors.

1. Adds TITLE X--STUDY ON ADDITIONAL CREDIT RISK FACTORS at the end of the bill

   Adds a title

   Inserted: TITLE X--STUDY ON ADDITIONAL CREDIT RISK FACTORS

   Inserted: SEC. 1001. STUDY ON ADDITIONAL CREDIT RISK FACTORS.

   Inserted: (a) In General.--With respect to loans made under programs established or amended under this Act, the Administrator of the Small Business Administration shall conduct a study on whether the failure of such loans to achieve one or more of the public policy goals specified in subsection (b) negatively impacts the ability of businesses receiving such loans to make timely repayment of such loans.

   Inserted: (b) Public Policy Goals.--The public policy goals referred to in subsection (a) are the provision of adequate access to capital to assist small business concerns with one or more of the following:

   Inserted: (1) Offsetting the costs to such concerns resulting from the imposition of a surtax on the income of small business owners.

   Inserted: (2) Offsetting the costs to such concerns resulting from the enactment of a requirement that such concerns offer health care of a minimum acceptable coverage level.

   Inserted: (3) Offsetting the costs to such concerns resulting from an increase in the marginal tax rates of small business owners.

   Inserted: (4) Offsetting the reduction in capital available for such concerns resulting from an increase in the tax on capital gains.

   Inserted: (5) Offsetting the reduction in capital available for such concerns resulting from an increase in the taxes on carried interest.

   Inserted: (6) Offsetting the increased energy costs for such concerns resulting from the enactment of a cap on carbon dioxide emissions.

   Inserted: (7) Offsetting the increased costs to such concerns resulting from a change in Federal law that allows unions to be organized through a card check process.

   Inserted: (8) Offsetting the reduction in capital available for such concerns resulting from new regulations on financial products.

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   Inserted: (9) Offsetting the increased costs to such concerns resulting from the imposition of net neutrality rules on the Internet.

   Inserted: (c) Use of Study.--Not later than 180 days after the date of the enactment of this Act, the Administrator of the Small Business Administration shall submit to Congress a report on the results of the study conducted under subsection (a) and shall use such results to evaluate and adjust, as appropriate, the potential credit risk to the Government through the provision of loans under programs established or amended under this Act.

   Original wording

   Add at the end of the bill the following:

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As printed