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US Congress · H.R. 3496 · Passed the House

Northern Mariana Islands Small Business Access Act

Introduced
Moved
Reached a final decision
Introduced 2025-05-19
Derived from the official record below.

Officially: “Northern Mariana Islands Small Business Access Act Read the full text

Commerce

What it does

Northern Mariana Islands Small Business Access Act This bill expands eligibility for the Small Business Administration microloan program to include entities in the Commonwealth of the Northern Mariana Islands. The microloan program provides loans up to $50,000 for small businesses and certain nonprofit childcare centers.
Summary by the Congressional Research Service, from the official record. Plain-language version below. Not legal advice.

Read it in plain language

AI plain language2 sections
Written by AI from the complete official bill text and independently fact-checked against it. Not legal advice.
1Short title

This section would let the Act be called the "Northern Mariana Islands Small Business Access Act."

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Official text, verbatim from the record

1. Short title This Act may be cited as the Northern Mariana Islands Small Business Access Act .

2Inclusion of the Commonwealth of the Northern Mariana Islands in the microloan program

This section would change part of the Small Business Act's microloan program (15 U.S.C. 636(m)). It would add the words ", the Commonwealth of the Northern Mariana Islands" right after every place the word "Guam" appears in Section 7(m)(7)(B) of the Small Business Act. That means any rule in that part of the law that currently applies to Guam would also apply to the Commonwealth of the Northern Mariana Islands. This section would also amend Section 7(m)(11)(C)(ii) of the Small Business Act. It would remove the word "rural" and everything after it through the end of that clause, and put in its place the text "rural; and" - the word "rural" followed by a semicolon and the word "and." The clause still ends with that connecting "and," which links it to the item that comes after it on the list.

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Official text, verbatim from the record

2. Inclusion of the Commonwealth of the Northern Mariana Islands in the microloan program (a) In general Section 7(m)(7)(B) of the Small Business Act ( 15 U.S.C. 636(m)(7)(B) ) is amended by inserting , the Commonwealth of the Northern Mariana Islands after Guam each place it appears. (b) Technical amendment Section 7(m)(11)(C)(ii) of the Small Business Act ( 15 U.S.C. 636(m)(11)(C)(ii) ) is amended by striking rural and all that follows through the end of the clause and inserting rural; and .

AI plain languageRead the whole bill in plain language, 2 sections

Where it is

Introduced · 2025-05-19

In the House.

Passed the House · 2026-01-20
Senate floor vote · next · the next step

Official documents

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)
4
sponsors, out of 218 needed to pass
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. (2026-01-26).