119th Congress · introduced in the House · Feb 4, 2025
Small LENDER Act
Official title from Congress.gov
Latest action (Jun 18, 2026): Placed on the Union Calendar, Calendar No. 610.
View on Congress.govPolicy area: Commerce
Congressional Research Service summary, version: Introduced in House (Feb 4, 2025)
Small Lenders Exempt from New Data and Excessive Reporting Act or the Small LENDER Act
This bill modifies the requirements for financial institutions to report certain information about small business credit applications to the Consumer Financial Protection Bureau (CFPB) and extends the timeline for compliance with the CFPB rule with respect to such reporting (i.e., Section 1071 final rule). (For background about the CFPB rule and subsequent litigation see CRS Report R47788.)
Under the bill, the reporting requirements apply only to financial institutions that originate at least 500 credit transactions to small businesses in each of the preceding two years. The bill further defines small businesses as those with gross annual revenue of $1 million or less.
The rule currently establishes a phase-in period that ultimately requires institutions that originate over 100 credit transactions to small businesses to comply with the reporting requirements. The rule also defines small businesses as those with gross annual revenue of $5 million or less.
Further, beginning on the date the final CFPB rule was issued (May 31, 2023), the bill provides three years for applicable financial institutions to comply with the rule followed by a two-year safe harbor period during which such institutions are not subject to any penalties for failure to comply with the rule.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Placed on the Union Calendar, Calendar No. 610.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-702.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-702.
Ordered to be Reported by the Yeas and Nays: 26 - 22.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Banking and financial institutions regulation · Business records · Data collection, sharing, protection · Financial services and investments · Small business
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
55 citations; showing the 25 most recently posted.
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$70,000
Spent on own lobbying
…, concerning rollbacks of consumer protection and bank regulatory authority, including the Consumer Financial Protection Bureau and Community Reinvestment Act. H.R. 941 - opposing the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Small Business
$70,000
Spent on own lobbying
H.R. 941 - Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Fra…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Final Rule on Personal Financial Data R…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$1,500,000
Spent on own lobbying
…: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIPMENT LEASING AND FINANCE ASSOCIATION · lobbying firm or registrant: TIBER CREEK GROUP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Issues related to H.R. 941 - Small LENDER Act; Issues related to H.R. 976/S. 557 - 1071 Repeal to Protect Small Business Lending Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Banking
$1,030,000
Spent on own lobbying
H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 2152 The AI PLAN Act H.R. 2978 The GUARD Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discou…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIPMENT LEASING AND FINANCE ASSOCIATION · lobbying firm or registrant: EQUIPMENT LEASING AND FINANCE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Financial Institutions/Investments/Securities
$172,000
Spent on own lobbying
Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Issues related to H.R. 941 - the Small Lender Act, Issues related to H.R. 976/S. 557 - 1071 Repeal to Protect Small Business Lending Act; CFPB's Section 1071 rule; S. 2352; CFPB's non-ba…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIPMENT LEASING AND FINANCE ASSOCIATION · lobbying firm or registrant: EQUIPMENT LEASING AND FINANCE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Small Business
$172,000
Spent on own lobbying
Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Issues related to H.R. 941 - the Small Lender Act, Issues related to H.R. 976/S. 557 - 1071 Repeal to Protect Small Business Lending Act; CFPB's Section 1071 rule; S. 2352; CFPB's non-ba…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…ement Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Exams Act (H.R. 940; S. 5335) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taki…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICANS FOR FINANCIAL REFORM · lobbying firm or registrant: AMERICANS FOR FINANCIAL REFORM
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 27, 2026 · issue area: Banking
$100,000
Spent on own lobbying
S. 4743 AI Bubble Transparency Act H.R. 1181 - Protecting Privacy in Purchases Act H.R. 941, the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act S.J.Res. 110 A joint resolution providing for congressional disapproval under chap…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$1,220,000
Spent on own lobbying
…mprovement Act H.R. 9761071 Repeal to Protect Small Business Act S. 1439Federal Home Loan Banks' Mission Activities Act H.R. 6955Main Street Capital Access Act H.R. 941Small Lenders Exempt from New Data and Excessive Reporting Act or Small Lender Act H.R. 2808Homebuyers Privacy Protection Act S. 1467Homebuyers Privacy Protecti…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$90,000
Spent on own lobbying
…consumer protection and bank regulatory authority, including provisions affecting the Consumer Financial Protection Bureau and the Community Reinvestment Act. H.R. 941 - opposing the small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Small Business
$90,000
Spent on own lobbying
H.R. 941 - Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Fra…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$3,510,000
Spent on own lobbying
…Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Final Rule on Personal Financial Data R…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIPMENT LEASING AND FINANCE ASSOCIATION · lobbying firm or registrant: EQUIPMENT LEASING AND FINANCE ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$195,000
Spent on own lobbying
Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Issues related to H.R. 941 - the Small Lender Act, Issues related to H.R. 976/S. 557 - 1071 Repeal to Protect Small Business Lending Act; CFPB's Section 1071 rule; S. 2352; CFPB's non-ba…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIPMENT LEASING AND FINANCE ASSOCIATION · lobbying firm or registrant: EQUIPMENT LEASING AND FINANCE ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Small Business
$195,000
Spent on own lobbying
Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Issues related to H.R. 941 - the Small Lender Act, Issues related to H.R. 976/S. 557 - 1071 Repeal to Protect Small Business Lending Act; CFPB's Section 1071 rule; S. 2352; CFPB's non-ba…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIPMENT LEASING AND FINANCE ASSOCIATION · lobbying firm or registrant: TIBER CREEK GROUP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Issues related to H.R. 941 - Small LENDER Act; Issues related to H.R. 976/S. 557 - 1071 Repeal to Protect Small Business Lending Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Banking
$1,030,000
Spent on own lobbying
…: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COMMUNITY BANKERS ASSOCIATION OF ILLINOIS · lobbying firm or registrant: COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 18, 2026 · issue area: Banking
$70,000
Spent on own lobbying
…securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 941 the Small Lender Act (All Sections) regarding modifying the requirements for financial institutions to report certain information about small business credit a…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COMMUNITY BANKERS ASSOCIATION OF ILLINOIS · lobbying firm or registrant: COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 18, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Spent on own lobbying
…securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 941 the Small Lender Act (All Sections) regarding modifying the requirements for financial institutions to report certain information about small business credit a…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COMMUNITY BANKERS ASSOCIATION OF ILLINOIS · lobbying firm or registrant: COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 18, 2026 · issue area: Agriculture
$70,000
Spent on own lobbying
…securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 941 the Small Lender Act (All Sections) regarding modifying the requirements for financial institutions to report certain information about small business credit a…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COMMUNITY BANKERS ASSOCIATION OF ILLINOIS · lobbying firm or registrant: COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 18, 2026 · issue area: Small Business
$70,000
Spent on own lobbying
…securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 941 the Small Lender Act (All Sections) regarding modifying the requirements for financial institutions to report certain information about small business credit a…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…egulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Small LENDER Act (H.R. 941) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taki…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 16, 2026 · issue area: Banking
$2,170,000
Spent on own lobbying
H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 2152 The…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 21, 2026 · issue area: Banking
$770,000
Spent on own lobbying
…SOC Improvement Act H.R. 976 1071 Repeal to Protect Small Business Act S. 1439Federal Home Loan Banks' Mission Activities Act Basel III and bank capital issues H.R. 941/1806 Small Lenders Exempt from New Data and Excessive Reporting Act or Small Lender Act
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing