Capping Excessive Awarding of SBLC Entrants Act or the CEASE Act This bill limits the number of for-profit small business lending companies that are authorized make 7(a) loans to not more than 16 at any time.
Summary by the Congressional Research Service, from the official record. Plain-language version below. Not legal advice.
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1Short title
This section would give the Act the short title "Capping Excessive Awarding of SBLC Entrants Act," also called the "CEASE Act."
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Official text, verbatim from the record
1. Short title
This Act may be cited as the Capping Excessive Awarding of SBLC Entrants Act or the CEASE Act .
2Limitation on number of small business lending companies
This section would amend the Small Business Act to add a new rule capping how many small business lending companies (SBLCs) can operate at once. It would require the Administrator of the Small Business Administration to ensure that no more than 16 small business lending companies that are not nonprofit entities are authorized at any time to make loans under section 7 of the Small Business Act, which covers the SBA's general business loan programs.
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Official text, verbatim from the record
2. Limitation on number of small business lending companies
Section 23 of the Small Business Act ( 15 U.S.C. 650 ) is amended by adding at the end the following:
(k) Limitation on number of small business lending companies
The Administrator shall ensure that not more than 16 small business lending companies that are not nonprofit entities are authorized to make loans under section 7 at any time.
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The on-site text is shown verbatim from the GovInfo publication, captured 2026-07-23. The same version at GovInfo.
The numbers
29%
of bills that passed one chamber became law in the 118th Congress, 2023 to 2024 (n=939)
1
sponsor, out of 218 needed to pass
Who is lobbying on this
AMERICAN BANKERS ASSOCIATIONvia AMERICAN BANKERS ASSOCIATION
5 filings
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSvia CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS
5 filings
NATIONAL ASSOCIATION OF GOVERNMENT GUARANTEED LENDERS INCvia NATIONAL ASSOCIATION OF GOVERNMENT GUARANTEED LENDERS, INC.
4 filings
HARVEST SMALL BUSINESS FINANCE, LLCvia ATRIO CONSULTING GROUP, LLC
3 filings
INDEPENDENT COMMUNITY BANKERS OF AMERICAvia INDEPENDENT COMMUNITY BANKERS OF AMERICA
1 filing
From 18 filings in federal lobbying disclosures (LDA), via lda.gov, naming this bill (2025 to 2026). Filings are self-reported by lobbying firms and show who is paid to influence this bill. They do not say which side, or whether it worked.
Every fact on this page links to its source, starting with the official bill record. Last action: Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship. (2025-06-09).