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H.R. 10328House119th Congress (2025-2027)In Committee

Badge-to-Business Act

Sponsored by Robert P. Bresnahan, Jr.Rep. Robert P. Bresnahan, Jr. (R-PA)
Introduced September 10, 2026

AI-Generated Summary

Updated September 11, 2026 at 1:23 PM UTC

The Badge‑to‑Business Act amends the Small Business Act to let career law‑enforcement officers get express loans without having to provide collateral or pay a guarantee fee. The change is aimed at officers who have served at least ten years and have no pending misconduct investigations, helping them start or grow a small business.

Key Provisions

  • Adds a new subparagraph that allows the Small Business Administration (SBA) to waive the guarantee fee for express loans made to qualified career law‑enforcement officers beginning Jan. 1, 2027.
  • Defines a "qualified career law‑enforcement officer" as someone with at least ten years of service who, if still employed, is not under a criminal or administrative investigation for official misconduct, or if separated, was not under such investigation at the time of separation.
  • Provides an exception allowing the SBA to require the guarantee fee if the cost of guaranteeing the loans is greater than zero for a fiscal year and can be directly attributed to those loans.

Legislative Activity

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1 earlier action
HouseIntro Referral Latest Action

Referred to the House Committee on Small Business.

Small Business Committee

September 10, 2026

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HouseIntro Referral

Introduced in House

September 10, 2026

HouseIntro Referral

Referred to the House Committee on Small Business.

Small Business Committee

September 10, 2026

Bill Text

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Introduced in HouseIssued September 10, 2026

I

119th CONGRESS

2d Session

H. R. 10328

IN THE HOUSE OF REPRESENTATIVES

September 10, 2026

Mr. Bresnahan (for himself, Mr. Patronis, Mr. Meuser, and Ms. King-Hinds) introduced the following bill; which was referred to the Committee on Small Business

A BILL

To amend the Small Business Act to provide no-collateral express loans for qualified career law enforcement officers, and for other purposes.

1.

Short title

This Act may be cited as the Badge-to-Business Act.

2.

Express loans for qualified career law enforcement officers

Section 7(a)(31) of the Small Business Act (15 U.S.C. 636(a)(31)) is amended by adding at the end the following new subparagraph:

(I)

Qualified career law enforcement officers

(i)

In general

Except as provided in clause (ii), the Administrator may not collect a guarantee fee described in paragraph (18) in connection with a loan made under this paragraph to a qualified career law enforcement officer on or after January 1, 2027.

(ii)

Exception

The Administrator may waive the requirements of clause (i) if the cost to the Administration of making such loans is greater than zero for a fiscal year, and such cost is directly attributable to the cost of guaranteeing such loans.

(iii)

Qualified career law enforcement officer defined

In this subparagraph, the term qualified career law enforcement officer means an individual who, at the time of application for an express loan, has completed not less than 10 years of service as a career law enforcement officer (as defined in section 1709 of the Omnibus Crime Control and Safe Streets Act of 1968 (34 U.S.C. 10389)) and—

(I)

if currently employed as a career law enforcement officer, is not the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties; or

(II)

if separated from service, was not, at the time of such separation, the subject of a pending criminal investigation or administrative proceeding involving alleged misconduct relating to the individual’s official duties.

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