[House Hearing, 119 Congress]
[From the U.S. Government Publishing Office]




                       MARKUP OF VARIOUS MEASURES

=======================================================================

                                HEARING

                               before the

                      COMMITTEE ON SMALL BUSINESS
                             UNITED STATES
                        HOUSE OF REPRESENTATIVES

                    ONE HUNDRED NINETEENTH CONGRESS

                             SECOND SESSION

                               __________


                              HEARING HELD
                           FEBRUARY 11, 2026

                               __________





                 [GRAPHIC NOT AVAILABLE IN TIFF FORMAT]
                               




            Small Business Committee Document Number 119-030
             Available via the GPO Website: www.govinfo.gov





                               ______
                                 

                 U.S. GOVERNMENT PUBLISHING OFFICE

62-952                    WASHINGTON : 2026










                   HOUSE COMMITTEE ON SMALL BUSINESS

                    ROGER WILLIAMS, Texas, Chairman
                        PETE STAUBER, Minnesota
                        DAN MEUSER, Pennsylvania
                         BETH VAN DUYNE, Texas
                           JAKE ELLZEY, Texas
                         MARK ALFORD, Missouri
                         NICK LALOTA, New York
                        BRAD FINSTAD, Minnesota
                          TONY WIED, Wisconsin
                      ROB BRESNAHAN, Pennsylvania
                          BRIAN JACK, Georgia
                         TROY DOWNING, Montana
             KIMBERLYN KING-HINDS, Northern Marina Islands
                         DEREK SCHMIDT, Kansas
                        JIMMY PATRONIS, Florida
               NYDIA VELAZQUEZ, New York, Ranking Member
                       MORGAN MCGARVEY, Kentucky
                       HILLARY SCHOLTEN, Michigan
                      LAMONICA MCIVER, New Jersey
                        GIL CISNEROS, California
                       KELLY MORRISON, Minnesota
                        GEORGE LATIMER, New York
                         DEREK TRAN, California
                       LATEEFAH SIMON, California
                       JOHNNY OLSZEWSKI, Maryland
                    MAGGIE GOODLANDER, New Hampshire

                 Lauren Holmes, Majority Staff Director
                 Melissa Jung, Minority Staff Director









                            C O N T E N T S

                           OPENING STATEMENTS

                                                                   Page
Hon. Roger Williams..............................................     1
Hon. Nydia Velazquez.............................................     2

                                APPENDIX

Additional Material for the Record:
Text of Legislation:
    H.R. 7401 - Small Business Lending Fraud Prevention Act......    13
    H.R. 7396 - Native American Entrepreneurial Opportunity Act..    16
    H.R. 7412 - Put America on Commission Act of 2026............    21
Support Documents:
    Defense Credit Union Council (DCUC)..........................    39
    E-Vote Results...............................................    42
Votes:
    H.R. 7401 - Small Business Lending Fraud Prevention Act 
      Ordered to be reported by the Yeas and Nays: 24-0..........    45
    H.R. 7396 - Native American Entrepreneurial Opportunity Act 
      Ordered to be reported by the Yeas and Nays: 24-0..........    46
    H.R. 7412 - Put America on Commission Act of 2026 Ordered to 
      be reported by the Yeas and Nays: 24-0.....................    47









 
                       MARKUP OF VARIOUS MEASURES

                              ----------                              


                      WEDNESDAY, FEBRUARY 11, 2026

                  House of Representatives,
               Committee on Small Business,
                                                    Washington, DC.
    The Committee met, pursuant to call, at 9:04 a.m., in Room 
2360, Rayburn House Office Building, Hon. Roger Williams 
[chairman of the Committee] presiding.
    Present: Representatives Williams, Stauber, Meuser, Van 
Duyne, Ellzey, Alford, LaLota, Finstad, Wied, Bresnahan, 
Downing, King-Hinds, Patronis, Velazquez, McGarvey, Scholten, 
McIver, Cisneros, Morrison, Latimer, Tran, Simon, Olszewski, 
and Goodlander.
    Chairman WILLIAMS. Before we get started with the markup, I 
would like to recognize Congressman Ellzey from the Gray State 
of Texas to lead us in the Pledge of Allegiance and a short 
prayer.
    All right. The committee will now come to order.
    A quorum is present. And without objection, the Chair is 
authorized to declare a recess of the committee at any time. As 
required by the House rules, a copy of the legislative measures 
have been made available to Members and the public at least 24 
hours in advance.
    Without objection, the committee will vote electronically 
in accordance with committee rules and regulations developed by 
the House Committees on Rules and Administration. I now 
recognize myself for opening remarks.
    Today, we will mark up three important bipartisan bills 
that support efforts to combat waste, fraud, and abuse. These 
bills reflect our continued commitment to ensure transparency 
and accountability within the SBA and support efforts to root 
out fraud in the SBA's COVID-era lending programs. The bills 
will establish an office to help recover taxpayer dollars, 
prevent conflicts of interest in loan processing, and codify 
the Office of Native American Affairs. These bills will support 
the SBA's ability to serve America's small businesses and 
taxpayers alike.
    As Chairman, I am proud of the work underway in this 
committee, particularly our efforts to address systematic 
failures and support existing SBA programs. The committee has 
demonstrated our commitment to proactive, responsible oversight 
and accountability, and for that, I say thank you.
    First, we will consider a bill that targets and prevents 
potential ethics violations in loan processing. The bill will 
enhance accountability and oversight of the SBA loan process by 
requiring conflict of interest certification. Next, we will 
consider a bill to codify the SBA's Office of Native American 
Affairs, an office which has been appropriated funds but not 
yet to be codified. Finally, we will consider my bill to 
establish the Office of Whistleblower Rewards. The office will 
support the SBA OIG in its efforts to combat fraud. The bill 
will increase efficiency to fraud recovery by incentivizing 
public participation.
    With this additional resource, SBA is strategically 
positioned to stop bad actors and recover funds. Correcting and 
mitigating systematic failures is inherently complex and 
requires a strong bipartisan effort, and I am proud of the 
collaborative effort that has resulted in today's markup. These 
three bills lay the foundation for a better tomorrow.
    I look forward to continuing to work with my colleagues to 
make strides in addressing waste, fraud, and abuse by improving 
internal mechanisms and processes. The SBA is better positioned 
to serve American small businesses.
    With that, I yield to my friend and the distinguished 
Ranking Member from New York, Ms. Velazquez, for her opening 
remarks.
    Ms. VELAZQUEZ. Thank you, Mr. Chairman, for convening this 
markup today. I plan to lend my support to the three bipartisan 
bills under consideration.
    Let me begin by expressing my strong support for H.R. 7396, 
legislation to codify the Office of Native American Affairs. It 
is important for our committee to remain focused on its 
mission, reviewing, evaluating, and improving SBA's programs so 
they work for our nation's 36 million small businesses. I look 
forward to future markups that will deliver meaningful 
improvements to SBA core programs.
    The other two bills under consideration will give SBA 
additional tools to combat fraud. One will put important 
processes in place to help prevent fraud, and the other will 
provide a mechanism for SBA to recover fraudulent pandemic 
monies. I am pleased to lend my support to these two bills.
    With that said, and I have mentioned this before, SBA needs 
to be more responsive to the committee. The administration--the 
administrator has egregiously ignored Congressional oversight 
letters and requests for meetings, obstructing our ability to 
conduct meaningful oversight. I hope you will support efforts 
to hold the agency accountable.
    Thank you, Mr. Williams, and I look forward to a productive 
markup. I yield back.
    Chairman WILLIAMS. The gentlelady yields back. Does any 
other Member seek recognition for the purpose of making an 
opening statement?
    Seeing none, we will now move to consideration of the first 
bill.
    The committee now moves to consideration of H.R. 7401, the 
Small Business Lending Fraud Prevention Act, introduced by 
Reverend Meuser and Goodlander.
    The Clerk will report the bill.
    H.R. 7401
    The CLERK. H.R. 7401, a bill to require employees of the 
small business----
    Chairman WILLIAMS. Without objection, H.R. 7401 is 
considered as read and open for amendment.
    I now recognize the bill's sponsor, Representative Meuser 
from the great state of Pennsylvania, for his remarks.
    Mr. MEUSER. Thank you, Mr. Chairman. Our bipartisan 
legislation, H.R. 7401, the Small Business Lending Fraud 
Prevention Act, will strengthen the SBA's conflict of interest 
rule, adding an important safeguard within the loan process. 
The bill requires SBA employees involved in the origination, 
review, or approval of its loans to certify that they have no 
conflicts of interest in the transaction. It also requires 
employees to promptly disclose and recuse themselves if a 
conflict arises and to acknowledge their obligations under 
federal ethics laws.
    Though the 7(a) program operates at zero subsidy cost to 
the taxpayer, there have been instances of SBA employees 
processing loans to family members or others barred under 
federal conflict of interest rules, and have increased in 
recent years. Just last August, Rena Barrett, a former SBA loan 
officer, pled guilty to submitting and approving fraudulent 
COVID-19 EIDL applications, abusing her position to seek more 
than $550,000 in pandemic relief funds for herself and family. 
In addition, Attallah Williams, another former SBA loan 
officer, was charged in January for approving fraudulently 
submitted EIDL applications in exchange for a share of the 
proceeds. Congress must root out waste, abuse, and fraud, 
especially when it is perpetrated by government employees.
    I would like to thank Congresswoman Goodlander for co-
leading this legislation. I would also like to thank Chairman 
Williams for bringing this bill forward for consideration 
today, and I certainly encourage my colleagues to support this 
legislation.
    Thank you, Mr. Chairman. I yield back.
    Chairman WILLIAMS. The gentleman yields back, and I now 
recognize the bill's co-sponsor, Representative Goodlander from 
the great state of New Hampshire, for her remarks.
    Ms. GOODLANDER. Thank you, Mr. Chairman. Small businesses 
aren't just part of our economy. They are the lifeblood of the 
economy of my state and our nation, and the loans administered 
by the Small Business Administration are the lifeblood for so 
many small businesses in every corner of our country.
    Conflicts of interest, especially conflicts of interest in 
people serving in positions of public trust, they are a cancer 
that undermines public trust, that leads to abuses of taxpayer 
dollars. And ultimately, it is our small businesses and 
entrepreneurs, good people, hardworking people who are playing 
by the rules, who pay the price for these conflicts of 
interest. So that is why I am really proud to be working 
alongside Congressman Meuser with this common sense, 
straightforward, bipartisan bill that is going to allow us to 
crack down on conflicts of interest on the front end so that 
red flags are raised before problems arise and so that we don't 
see any more unnecessary red tape or costs for our small 
businesses in the administration of Small Business 
Administration loans.
    This is really about strengthening the prevention, 
detection, and enforcement of the most basic principles of good 
governance and our democracy. They have always defined us as 
Americans, and that is why I am proud that we are coming 
together as Americans to pass this straightforward, practical, 
bipartisan bill.
    So with that, Mr. Chairman, I yield back.
    Chairman WILLIAMS. The gentlelady yields back.
    Are there any other Members who wish to be recognized for a 
statement on this bill?
    I now recognize the Ranking Member to speak on the bill.
    Ms. VELAZQUEZ. Thank you, Mr. Chairman. I want to express 
my support for H.R. 7401, the Small Business Lending Fraud 
Prevention Act. I applaud Mr. Meuser and Ms. Goodlander for 
their leadership on this issue.
    Let me begin by saying this committee has played an 
integral role in conducting oversight of the pandemic relief 
programs. Approximately $1.2 trillion dollars of economic aid 
was disbursed through the SBA pandemic relief programs over the 
course of the pandemic, providing economic relief to small 
businesses all over the country. Unfortunately, bad actors took 
advantage of the programs, and it has become clear we need to 
work together to recover fraudulent dollars.
    The previous administration took strong steps to root out 
fraud and put internal controls in place to prevent it, and the 
OIG, which has a team of auditors, investigators, attorneys, 
and state-of-the-art data analytics technology, has been 
working diligently to uncover fraudulent schemes. And because 
of their work, an SBA loan officer recently pled guilty to 
making a false statement in connection to applications for more 
than $550,000 in fraudulent COVID-19 pandemic loans to herself 
and family members.
    While I firmly believe the single most important action we 
can take to combat fraud is to fully fund the IG's budget 
request, I support this legislation.
    The bottom line is this. The camp (phonetic) process 
worked. The bad actor at SBA was identified, investigated, and 
prosecuted. But moving forward, requiring SBA employees to 
certify there is no conflict of interest before approving a 
loan will add an extra layer of security and help deter fraud.
    I urge my colleagues to support the bill. I yield back.
    Chairman WILLIAMS. Gentlelady yields back.
    I now recognize myself for remarks.
    Last year, the SBA uncovered a disturbing case of fraud. In 
2021, a former SBA loan officer used her authority to secure a 
$170,000 Economic Injury Disaster Loan for one of her family 
members, and the loan officer submitted a false statement to 
the SBA as part of a loan application. When it was initially 
denied, she approved it herself. Before she was caught, the 
loan officer tried to approve over $500,000 in loans to herself 
and her relatives while still working at the SBA. Fortunately, 
in this case, the fraudster was caught. However, it was 
critical to take serious steps to avoid such cases in the 
future, and it should not be possible for fraud like this to 
occur again.
    H.R. 7401, the Small Business Lending Fraud Prevention Act, 
moves us in the right direction. This bill requires SBA 
employees involved in the loan process to certify there are no 
ties to the loan applicant or recipient for any of the loans 
they are responsible for processing. The bill requires any 
employee who has a conflict of interest to inform their 
supervisor and recuse themselves from the loan review and 
approval process. There are necessary steps to future fraud at 
the SBA, and it will provide a clear standard against which 
future fraudsters can be held accountable.
    I urge my colleagues to vote yes on H.R. 7401, and I yield 
back.
    Does anyone wish to offer an amendment?
    Seeing none, the question now occurs in order in H.R. 7401, 
reported favorably to the House. All those in favor say aye.
    All those opposed say no.
    In the opinion of the Chair, the ayes have it. H.R. 7401 is 
agreed to.
    Mr. MEUSER. Mr. Chairman, I would like to request a 
recorded vote.
    Chairman WILLIAMS. A recorded vote has been requested, and 
a roll call vote is ordered. Pursuant to Committee Rule 13 and 
House Rule 11, further proceedings on the bill are postponed.
    The Committee now moves to consideration of H.R. 7396, the 
Native American Entrepreneurial Opportunity Act, introduced by 
Representative Davids, Ellzey, Morrison, and Crane.
    The Clerk will report the bill.
    H.R. 7396
    The CLERK. H.R. 7396, a bill to establish the Office of 
Native American----
    Chairman WILLIAMS. Without objection, H.R. 7396 is 
considered as read and open for amendment.
    I now recognize Representative Morrison from the great 
state of Minnesota for a statement on the bill.
    Ms. MORRISON. Thank you, Mr. Chairman, and thanks to my 
colleagues, Representatives Davids, Ellzey, and Crane, for 
joining me in introducing this important bipartisan 
legislation.
    Native-owned businesses employ over 300,000 people across 
the country and contribute over $33 billion to the U.S. economy 
every year. In tribal communities, they are often the backbone 
of the local economy. That is why it is critical that there is 
continuity in the Small Business Administration's engagement 
with Native American entrepreneurs.
    Codifying the Office of Native American Affairs and 
establishing an assistant administrator role to oversee its 
operations will create better government-to-government working 
relationships with tribes and Native Hawaiian organizations and 
better address the entrepreneurial, capital, and contracting 
needs of tribes and Native businesses.
    There are nearly 4,000 Native-owned businesses in 
Minnesota, ranging from independent bookstores to construction 
companies to local restaurants. I look forward to seeing the 
Small Business Administration continue to work with Native 
entrepreneurs in Minnesota and across the country to ensure 
these businesses have the resources they need to grow and 
succeed.
    Thank you, Mr. Chair. I yield back.
    Chairman WILLIAMS. The gentlelady yields back. Are there 
any other Members who wish to be recognized for a statement on 
this bill?
    Okay, seeing none, I would like to recognize the Ranking 
Member to speak on the bill.
    Ms. VELAZQUEZ. Thank you, Mr. Chairman. I strongly support 
the Native American Entrepreneurial Opportunity Act.
    Let me begin by commending Ms. Davids, Dr. Morrison, Mr. 
Ellzey, and Mr. Crane for their and bipartisanship commitment 
to codifying the Office of Native American Affairs at SBA.
    Small businesses on tribal reservations oftentimes face a 
mix of challenges, ranging from lack of access to capital to 
inadequate business training. SBA's office has proved to be a 
valuable resource to Native American Indians, Alaskan Natives, 
and Native Hawaiians, supporting approximately 2,000 small 
businesses every day. Codifying the office will ensure that 
tribal small businesses have access to SBA's full range of 
business development tools, regardless of the administration.
    Importantly, the legislation requires that the assistant 
administrator report directly to the administrator, making sure 
that the voices of the tribal communities will be heard at SBA. 
Native American-owned businesses are economic engines, 
generating $86 billion in sales, shipments, and revenues every 
year, and employing nearly 364,000 people in their communities. 
This bill will go a long way to increase access to federal 
programs and services and promote economic development.
    I would also like to thank Chairman Williams for adding 
this bill to the markup today.
    With that, I yield back.
    Chairman WILLIAMS. The gentlelady yields back.
    I now recognize myself to speak in support of this 
legislation.
    H.R. 7396, the Native American Entrepreneurial Opportunity 
Act, established the Office of Native American Affairs within 
the Small Business Administration. Economic development 
programs aim to help small businesses start, grow, and compete 
in global markets by providing qualifying training, counseling, 
and access to resources. The SBA's Office of Native American 
Affairs has been providing these services and tribal 
consultations for many years.
    However, the office has yet to be codified into law. This 
legislation will codify this office and provide Congress with 
an annual report that includes the number of individuals 
served, consultations provided, and the trainings held by the 
office. This report will improve transparency and increase 
oversight of the office.
    I urge my colleagues to vote yes on H.R. 7396, and I yield 
back.
    Does anyone wish to offer an amendment?
    Seeing none, the question now occurs on ordering H.R. 7396 
reported in favor to the House.
    All those in favor say aye.
    All those opposed say no.
    In the opinion of the Chair, the ayes have it.
    H.R. 7396 is agreed to.
    Mr. MEUSER. Mr. Chairman?
    Chairman WILLIAMS. For what purpose does the gentleman from 
Pennsylvania seek recognition?
    Mr. MEUSER. I would like to request a recorded vote.
    Chairman WILLIAMS. So moved. The recorded vote has been 
requested. A roll call vote is ordered.
    Persuaded to Committee Rule 13 and House Rule 11, further 
proceedings on the bill are postponed.
    Committee now moves to consideration of H.R. 7412, the Put 
America on Commission Act of 2026. Introduced by myself and 
Representative Olszewski from the great state of Maryland.
    The Clerk will report the bill.
    H.R. 7412
    The CLERK. H.R.7412, a bill to amend the small----
    Chairman WILLIAMS. Without objection, H.R. 7412 is 
considered as read and open for amendment.
    I now recognize myself to speak in support of this 
legislation.
    H.R. 7412, the Put America on Commission Act of 2026, will 
maximize the SBA's efforts to recover fraudulent pandemic loan 
funds by incentivizing everyday Americans to submit credible 
information on fraudulent loans in exchange for a commission. 
This bill will establish the Office of Whistleblower Rewards 
within the SBA to receive whistleblower tips from the public 
and forward credible evidence to the Office of Inspector 
General. If the information received from a whistleblower 
results in a final conviction, the office will disperse a 
monetary award to the whistleblower.
    The SBA's Office of Inspector General estimates that over 
$200 billion in taxpayer dollars were given out to bad actors 
through the SBA's PPP, EIDL, and other COVID-19 relief 
programs. This accounts for nearly 20 percent of all pandemic 
funding or lending, and this legislation opens up a new avenue 
for tracking down the fraudsters. Whistleblowers can serve as a 
key tool in recovering the unprecedented amount of fraud and 
ensuring fraudsters are brought to justice.
    The newly established Office of Whistleblower Rewards would 
be led by one staff member who coordinates tips with the SBA 
Inspector General for investigation. Notably, the office's 
operations and whistleblower awards are fully funded by 
recovered fraudulent loan accounts, which are deposited into 
the whistleblower award fund. Under the bill, the SBA may also 
seek a separate civil monetary penalty against convicted 
fraudsters, and the income from the penalties will be deposited 
into the whistleblower award fund. In the private sector of a 
commission's work, the bill utilizes the common practice to 
help bring more fraudsters to justice. No one should be able to 
defraud the American taxpayers without consequence.
    I greatly appreciate the work that the Office of the 
Inspector General has done to date to uncover the extent of the 
fraud. This bill will help the Office of the Inspector General 
obtain the information needed to catch fraudsters and do right 
by American businesses.
    I am proud to introduce legislation to help introduce 
fraudsters accountable and recover billions of dollars stolen 
from American taxpayers. Even the infamous CBO determined the 
same legislation from last Congress would reduce the deficit by 
$108 million over 10 years.
    So I urge my colleagues to vote yes on H.R. 7412, and I 
yield back.
    I now recognize the bill's co-sponsor, Representative 
Olszewski, from the great state of Maryland, for a statement on 
the bill.
    Mr. OLSZEWSKI. Thank you very much, Mr. Chairman. I do want 
to begin by thanking you, Chairman Williams, for your 
partnership and your leadership on this important effort. 
Likewise, I want to echo your sentiments and lift up the 
important work of the Inspector General. I am very proud to 
lead this bipartisan bill because I believe that we can and 
should always work harder to ensure tax dollars are being spent 
as intended and as efficiently as possible.
    Before coming to Congress, I had the privilege of serving 
in both state and local elected office, including 6 years as 
Baltimore County Executive. In that role, I authored our 
county's first comprehensive and enterprise-wide efficiency 
review. In that work, we came up with over 150 recommendations 
with the potential savings of $771 million for taxpayers, many 
of which my team and I implemented and are still being used 
today to save residents millions annually. It is the kind of 
work government should be leading all the time, and it is why I 
am proud to join the Chairman to lead this innovative 
bipartisan legislation that would incentivize Americans to 
report the potential misuse of federal dollars.
    My work in Baltimore County made sure we were being 
efficient in our use of taxpayer funding. This bill aims to 
save tax dollars by holding people and organizations who commit 
fraud accountable.
    During the COVID-19 pandemic, emergency funds were rushed 
out to keep workers employed, small businesses afloat, and 
families stable. I was proud to help administer many of these 
programs as county executive. That money was meant to be a 
lifeline, and for many, it was. But when individuals abused 
those programs for personal gain, they didn't just break the 
law and steal from the federal government. They stole from 
others who were already under tremendous strain.
    An office dedicated to reporting COVID-19 fraud protects 
the integrity of all public programs, and it sends a clear 
message: help is there for those who need it, but exploitation 
will not be tolerated. This bill will hold criminals 
accountable and offer multiple pathways for patriotic Americans 
to report potential fraud and abuse. In turn, it will help us 
recover funds and restore public trust.
    I urge a yes vote from my colleagues. Thank you very much, 
and I yield back.
    Chairman WILLIAMS. Gentleman yields back.
    I now recognize Representative Alford from the great state 
of Missouri for a statement on the bill.
    Mr. ALFORD. Thank you, Chairman Williams and Ranking Member 
Velazquez, for bringing forward this important legislation.
    You know, relief funds were meant to help small businesses 
survive an unprecedented crisis, not to line the pockets of 
criminals. Every dollar stolen is a dollar taken from an honest 
entrepreneur who played by the rules and needed that support to 
keep their doors open and their employees on payroll.
    Unfortunately, we don't have to look too far from my 
district. In Kansas City, Missouri, three men were recently 
indicted for allegedly fraudulently obtaining more than 
$447,000 in the Paycheck Protection Program Loans using false 
payroll records. Authorities allege that those loans were later 
forgiven, even though the funds were not used for authorized 
purposes. Folks, that is half a million dollars. It is nearly 
half a million dollars diverted away from the small businesses 
these programs were created to help. Cases like this undermine 
public trust and disadvantage the very people that these 
programs were designed to support.
    And that is just one example. Nationwide, hundreds of 
billions of dollars in suspected pandemic loan fraud remains 
outstanding. The American people deserve confidence that 
Congress is doing everything possible to recover those funds 
and hold bad actors accountable.
    I am encouraged that under Administrator Kelly Loeffler, 
the SBA is taking this issue seriously. We are seeing a renewed 
focus on oversight, enforcement, and restoring integrity to 
these programs so that taxpayer dollars are protected. And that 
is why I fully support Chairman Williams' Put America on 
Commission Act. This bill establishes an Office of 
Whistleblowers Rewards with the Small Business Administration 
to incentivize individuals to come forward with credible 
information about pandemic loan fraud.
    Pandemic relief programs like PPP and EIDL were lifelines 
for millions of small businesses. And if we fail to pursue 
fraud aggressively, we risk undermining confidence in future 
emergency programs when Americans need them most. I urge my 
colleagues to support this common-sense, bipartisan bill so 
that we can continue recovering stolen funds and send a clear 
message to the American people that if you defraud the American 
taxpayer, you will be held accountable.
    And with that, I yield back.
    Chairman WILLIAMS. The gentleman yields back.
    I now recognize Representative Stauber from the great state 
of Minnesota for a statement on the bill.
    Mr. STAUBER. Thank you, Mr. Chairman. I want to start by 
being very clear. What happened during the pandemic with 
federal relief dollars, and what has happened in states like my 
home state of Minnesota, was not just unfortunate. It was a 
gross failure of oversight and a betrayal of the American 
taxpayer.
    In my home state, we have uncovered billions of dollars in 
fraud, federal dollars provided by the good people and law-
abiding taxpayers in my great state of Minnesota and across 
this great nation. They were taken by organized fraud rings. 
This wasn't just small oversights or mix-ups. This was a 
systemic abuse, abuse made possible by our failing governor and 
his administration in my state, and by other programs with weak 
controls and no oversight.
    We have seen case after case where taxpayer dollars meant 
to help struggling families and small businesses instead lie in 
the pockets of criminals. And once the money was gone, the 
government was left without the tools or information needed to 
recover it. This is unacceptable. Every dollar stolen is a 
dollar taken away from a legitimate mom-and-pop shop trying to 
stay open or a family just trying to put food on the table.
    It is also deeply offensive to the millions of Americans 
who followed the rules while fraudsters got rich. That is why 
H.R. 7412, the Put America on Commission Act, is so critical. 
This bill recognizes a simple truth. The government cannot 
catch fraud alone. Often, the people who know fraud is 
happening are the insiders, neighbors, or employees who see it 
firsthand. But too often, they have no incentive or even a 
clearer way to come forward.
    By creating an Office of Whistleblower Rewards within the 
SBA, this legislation puts real teeth behind fraud enforcement. 
It incentivizes credible tips, helps uncover hidden fraud 
schemes, and provides the SBA with the information it needs to 
recover stolen taxpayer dollars. This is about accountability. 
It is about deterrence. And it is about sending a message. If 
you stole from the American people, you will be found, and you 
will be held responsible.
    I commend Chairman Williams and Congressman Olszewski for 
bringing forward this bipartisan, common-sense solution. If we 
are serious about stopping fraud, protecting honest businesses, 
and restoring trust in federal programs, this bill is exactly 
the kind of action Congress should be taking. I strongly urge 
H.R. 7412--I strongly support, rather, H.R. 7412 and urge its 
adoption.
    And I yield back, Mr. Chair.
    Chairman WILLIAMS. The gentleman yields back. Are there any 
other Members who wish to be recognized for a statement?
    All right, seeing none, I would like to recognize the 
Ranking Member to speak on this bill.
    Ms. VELAZQUEZ. Thank you, Mr. Chairman. I share your 
commitment to recovering fraudulent obtained COVID-19 pandemic 
relief funds.
    As you may recall, I led efforts to extend the statute of 
limitations for fraud in the EIDL and PPP programs. This bill, 
which became law, sent a strong message that unscrupulous 
behavior will not be tolerated and that those who commit fraud 
will be held accountable in the years to come. And in this 
Congress, we came together to extend the statute of limitations 
in two more pandemic relief programs.
    While we may never know the exact amount of fraud, there is 
no doubt that the vast majority of the fraud occurred in the 
first 9 months of the pandemic, during President Trump's first 
term, when the guardrails were lowered to get the money out the 
door quickly during the crisis. We also know with certainty 
that the SBA took a number of steps to curtail that fraud, 
including reinstituting longstanding controls, establishing a 
Fraud Risk Management Board, and creating a Special Counsel for 
Enterprise Risk.
    Currently, the OIG has more than 130,000 actionable leads 
that have been submitted to their hotline. The issue before us 
is not a failure to identify fraud. The OIG has enough credible 
leads to remain active for decades. The real challenge is 
ensuring our law enforcement community has the resources it 
needs to thoroughly investigate and prosecute fraud.
    I appreciate the efforts of the Chairman to come up with a 
creative solution to help recover fraudulent funds, and I 
commend Representative Olszewski for leading this bill along 
with Mr. Williams.
    Thank you, and I yield back.
    Chairman WILLIAMS. Thank you, and the gentlelady does yield 
back. And does anyone wish to offer an amendment?
    Seeing none, the question now occurs in order in H.R. 7412, 
reported favorably to the House.
    All those in favor say aye.
    All those opposed say no.
    And depending on the Chair, the ayes have it, and H.R. 
7412----
    Mr. STAUBER. Mr. Chair?
    Chairman WILLIAMS. Yes, sir.
    Mr. MEUSER. I request a recorded vote, please.
    Chairman WILLIAMS. A recorded vote has been requested, and 
a roll call vote is ordered. So, pursuant to Committee Rule 13 
and House Rule 11, further proceedings on this bill are 
postponed.
    Okay, now the Committee will stand in recess, subject to 
the call of the Chair. Members, please remain in your seats 
while we set up the voting software. This will be very brief.
    [Recess.]
    Chairman WILLIAMS. The Committee will now come to order. We 
will resume consideration of the bills on which roll call votes 
were requested and postponed.
    We will start with H.R. 7401. The question now occurs in 
order in H.R. 7401, reported favorably to the House. The Clerk 
will open the vote.
    [The vote was taken.]
    Chairman WILLIAMS. Are there any other Members who have not 
voted or wish to change their vote? If not, the Clerk will 
close the vote.
    The Clerk will report.
    The CLERK. Mr. Chairman, on this vote, the ayes are 24, and 
the noes are zero.
    Chairman WILLIAMS. H.R. 7401 is ordered, reported to the 
House with a favorable recommendation.
    The question now occurs in order in H.R. 7396, reported 
favorably to the House.
    The Clerk will open the vote.
    [The vote was taken.]
    Chairman WILLIAMS. Okay, are there any other Members who 
have not voted or wish to change their vote? If not, the Clerk 
will close the vote.
    The Clerk will report.
    The CLERK. Mr. Chairman, on this vote, the ayes are 24, and 
the noes are zero.
    Chairman WILLIAMS. H.R. 7396 is ordered, reported to the 
House with a favorable recommendation.
    The question now occurs in order in H.R. 7412, reported 
favorably to the House. The Clerk will open the vote.
    [The vote was taken.]
    Chairman WILLIAMS. Are there any other Members who have not 
voted or wish to change their vote? If not, the Clerk will 
close the vote.
    The Clerk will report.
    The CLERK. Mr. Chairman, on this vote, the ayes are 24, and 
the noes are zero.
    Chairman WILLIAMS. H.R. 7412 is ordered, reported to the 
House with a favorable recommendation.
    And if there is no further business, this concludes today's 
markup. I want to thank all of you for this.
    Without objection, the Committee staff is authorized to 
make technical and conforming changes, and Members have 2 
business days to file additional supplemental dissenting and 
minority views.
    I want to thank all of you for being here today. Again, 
without objection, the Committee stands adjourned. Thank you.
    [Whereupon, at 9:43 a.m., the committee was adjourned.]
                            A P P E N D I X

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