H.R. 7352House117th Congress (2021-2023)Enacted

PPP and Bank Fraud Enforcement Harmonization Act of 2022

Introduced March 31, 2022

AI-Generated Summary

Updated February 8, 2026 at 10:29 AM UTC

The PPP and Bank Fraud Enforcement Harmonization Act of 2022 amends the Small Business Act to set a uniform ten‑year deadline for filing criminal charges or civil enforcement actions against borrowers who commit fraud on Paycheck Protection Program (PPP) loans, including the second‑draw loans. This change applies to any covered PPP loan and overrides any conflicting statutes, affecting lenders, borrowers, and federal fraud investigators.

Key Provisions

  • Extends the statute of limitations for PPP fraud to ten years from the date of the offense.
  • Applies the same ten‑year limit to fraud involving second‑draw PPP loans.
  • Specifies that this ten‑year deadline supersedes any other law that might set a different limitation period.

Legislative Activity

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21 earlier actions
Became Law Latest Action

Became Public Law No: 117-166.

August 5, 2022

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HouseIntro Referral

Introduced in House

March 31, 2022

HouseIntro Referral

Referred to the House Committee on Small Business.

March 31, 2022

HouseCommittee

Committee Consideration and Mark-up Session Held.

May 11, 2022

HouseCommittee

Ordered to be Reported by Voice Vote.

May 11, 2022

HouseCommittee

Reported by the Committee on Small Business. H. Rept. 117-328.

May 17, 2022

HouseCalendars

Placed on the Union Calendar, Calendar No. 246.

May 17, 2022

HouseFloor

Ms. Velazquez moved to suspend the rules and pass the bill.

June 7, 2022 • 3:39 PM

HouseFloor

Considered under suspension of the rules. (consideration: CR H5249-5250)

June 7, 2022 • 3:40 PM

HouseFloor

DEBATE - The House proceeded with forty minutes of debate on H.R. 7352.

June 7, 2022 • 3:40 PM

HouseFloor

At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

June 7, 2022 • 3:51 PM

HouseFloor

Considered as unfinished business. (consideration: CR H5396-5397)

June 8, 2022 • 7:24 PM

HouseFloor

Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 421 - 0 (Roll no. 246).(text: 06/07/2022 CR H5249)

June 8, 2022 • 7:31 PM

HouseFloor

On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 421 - 0 (Roll no. 246). (text: 06/07/2022 CR H5249)

June 8, 2022 • 7:31 PM

HouseFloor

Motion to reconsider laid on the table Agreed to without objection.

June 8, 2022 • 7:31 PM

SenateIntro Referral

Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.

June 9, 2022

SenateCommittee

Senate Committee on Small Business and Entrepreneurship discharged by Unanimous Consent.(consideration: CR S3790)

July 28, 2022

SenateDischarge

Senate Committee on Small Business and Entrepreneurship discharged by Unanimous Consent. (consideration: CR S3790)

July 28, 2022

SenateFloor

Passed Senate without amendment by Voice Vote.

July 28, 2022

SenateFloor

Message on Senate action sent to the House.

July 28, 2022

President

Presented to President.

August 2, 2022

Became Law

Signed by President.

August 5, 2022

Became Law

Became Public Law No: 117-166.

August 5, 2022

Floor Debate

23 members

What members said about H.R. 7352 on the floor

15 Republicans8 Democrats
Jerrold Nadler
Rep. Jerrold NadlerD-NY-10 · Jun 8, 2022

Madam Speaker, pursuant to House Resolution 1153, I call up the bill (H.R. 7910) to amend title 18, United States Code, to provide for an increased age limit on the purchase of certain firearms,…

Steny H. Hoyer
Rep. Steny H. HoyerD-MD-5 · Jun 8, 2022

Madam Speaker, I thank the gentleman for yielding. This is an emotional debate. It is an emotional debate because we lose, on a daily basis, family members, neighbors, friends, and fellow citizens to…

Nancy Pelosi
Rep. Nancy PelosiD-CA-12 · Jun 8, 2022

Madam Speaker, I thank the gentleman for yielding, and I commend him for his leadership in bringing this important legislation to the floor. Protecting our kids; what could be more important than…

Jim Jordan
Rep. Jim JordanR-OH-4 · Jun 8, 2022

Madam Speaker, I yield myself such time as I may consume. What happened in Uvalde, Buffalo, and Tulsa is as wrong as wrong could be, and our hearts go out to those communities and those families who…

Thomas Massie
Rep. Thomas MassieR-KY-4 · Jun 8, 2022

Madam Speaker, today we are debating six gun control provisions in one. Why are there six bills in here? Because none of them work. But you can't take six bills that don't work and put them together…

Show 8 more
Sheila Jackson Lee
Rep. Sheila Jackson LeeD-TX-18 · Jun 8, 2022

Madam Speaker, no 9-year-old should be sentenced to a death sentence. No grandmother shopping at a grocery store should get a death sentence. No mother who testified today should lose her son.…

John Garamendi
Rep. John GaramendiD-CA-3 · Jun 8, 2022

Madam Speaker, I have heard over and over again we ought to harden our schools. We ought to let every teacher have a gun. One question that needs to be asked as that argument goes forward: Why? Why…

Nydia M. Velázquez
Rep. Nydia M. VelázquezD-NY-7 · Jun 7, 2022

Madam Speaker, I move to suspend the rules and pass the bill (H.R. 7352) to amend the Small Business Act to extend the statute of limitation for fraud by borrowers under the Paycheck Protection…

Chip Roy
Rep. Chip RoyR-TX-21 · Jun 8, 2022

Madam Speaker, I thank the gentleman from Ohio for yielding. Why do we have guns? Why do we have the Second Amendment? Is it to hunt? Sure. Self defense? That is even more important. The fact is, if…

W. Gregory Steube
Rep. W. Gregory SteubeR-FL-17 · Jun 8, 2022

Madam Speaker, guns are not the cause of evil, just like the vehicle used by the domestic terrorist in Waukesha, Wisconsin, to mow down innocent people in a parade killing six was not the cause of…

Kat Cammack
Rep. Kat CammackR-FL-3 · Jun 8, 2022

Madam Speaker, I came here today to speak on behalf of women and the parents of my district--heck, honestly, I came to speak on behalf of all Americans who want their kids to be safe and secure in…

Matt Gaetz
Rep. Matt GaetzR-FL-1 · Jun 8, 2022

Madam Speaker, Speaker Pelosi tells us she is on a crusade for the children. Someone should maybe remind the Speaker the Crusades did not always end well when they were reflexively driven by emotion…

Tom McClintock
Rep. Tom McClintockR-CA-4 · Jun 8, 2022

Madam Speaker, this is called the Protecting Our Kids Act, but sadly it does no such thing. The one thing that we could do immediately to protect our kids is the one thing that the Democrats refuse…

Show 11 more
Blaine Luetkemeyer
Rep. Blaine LuetkemeyerR-MO-3 · Jun 7, 2022

Madam Speaker, I yield myself such time as I may consume. Madam Speaker, I rise in support of H.R. 7352, the PPP and Bank Fraud Enforcement Harmonization Act of 2022. Inflation and price increases…

Dan Bishop
Rep. Dan BishopR-NC-9 · Jun 8, 2022

Madam Speaker, it is repeated over and over again that the Second Amendment is not unlimited, it has limits. No one contends otherwise. What are the limits? Wouldn't it be nice to hear that in the…

Steve Chabot
Rep. Steve ChabotR-OH-1 · Jun 8, 2022

Madam Speaker, this legislation represents an unfortunate missed opportunity. After witnessing the horrible tragedy that occurred at Robb Elementary School in Uvalde, Texas, we should be coming…

Andy Biggs
Rep. Andy BiggsR-AZ-5 · Jun 8, 2022

Madam Speaker, I thank the gentleman for yielding. I oppose H.R. 7910, the Democrats' latest gun control effort. Supporters of this bill do not want to protect America's Second Amendment rights…

Burgess Owens
Rep. Burgess OwensR-UT-4 · Jun 8, 2022

Madam Speaker, I rise in opposition to H.R. 7910. The violence that occurred in Uvalde, Texas, was horrific. As we consider the pain these families are experiencing, we can do more now. Let us focus…

Richard Hudson
Rep. Richard HudsonR-NC-8 · Jun 8, 2022

Madam Speaker, as the father of an elementary school child, I am devastated every time we have a school shooting. That is why identifying solutions to stop these tragedies is so important to me.…

Louie Gohmert
Rep. Louie GohmertR-TX-1 · Jun 8, 2022

Madam Speaker, it has been difficult in debate last week and even today to be told that we have no courage. We were told in debate last week: We don't want to hear anymore about social media, violent…

Sheila Jackson Lee
Rep. Sheila Jackson LeeD-TX-18 · Jun 7, 2022

Madam Speaker, I rise in support of H.R. 7352--the ``PPP and Bank Fraud Enforcement Harmonization Act of 2022'' extends the statute of limitation and provides a timeframe in which criminal charges…

Ben Cline
Rep. Ben ClineR-VA-6 · Jun 8, 2022

Madam Speaker, I thank the gentleman from Ohio for yielding. I rise in opposition to the so-called Protecting Our Kids Act. What we saw 2 weeks ago in Uvalde, Texas, was tragic and horrific, and we…

Rosa L. DeLauro
Rep. Rosa L. DeLauroD-CT-3 · Jun 8, 2022

Madam Speaker, I rise in support of the Protecting Our Kids Act, a comprehensive package to address gun violence in the United States. I am pleased that it includes my legislation, Ethan's Law, which…

James R. Langevin
Rep. James R. LangevinD-RI-2 · Jun 8, 2022

Madam Speaker, I rise today to plead with my colleagues to support H.R. 7910, the Protecting Our Kids Act. We gather just days after an 18-year-old mowed down 19 schoolchildren and two of their…

Bill Text

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Enrolled BillPublication date not provided

One Hundred Seventeenth Congress of the United States of America

At the Second Session

Begun and held at the City of Washington on Monday, the third day of January, two thousand and twenty-two

H. R. 7352

AN ACT

To amend the Small Business Act to extend the statute of limitation for fraud by borrowers under the Paycheck Protection Program, and for other purposes.

1.

Short title

This Act may be cited as the PPP and Bank Fraud Enforcement Harmonization Act of 2022.

2.

Fraud enforcement harmonization

(a)

Paycheck Protection Program

Section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36)) is amended by adding at the end the following new subparagraph:

(W)

Fraud enforcement harmonization

Notwithstanding any other provision of law, any criminal charge or civil enforcement action alleging that a borrower engaged in fraud with respect to a covered loan guaranteed under this paragraph shall be filed not later than 10 years after the offense was committed.

.

(b)

Paycheck protection program second draw loans

Section 7(a)(37) of the Small Business Act (15 U.S.C. 636(a)(37)) is amended by adding at the end the following new subparagraph:

(P)

Fraud enforcement harmonization

Notwithstanding any other provision of law, any criminal charge or civil enforcement action alleging that a borrower engaged in fraud with respect to a covered loan guaranteed under this paragraph shall be filed not later than 10 years after the offense was committed.

.

Speaker of the House of Representatives.

Vice President of the United States and President of the Senate.