In committee
CEASE Act of 2025
This bill caps the number of for-profit, non-bank lenders authorized to issue government-guaranteed small business loans at 16. It prevents the Small Business Administration from expanding the roster of private commercial lenders—such as specialized finance and online lending firms—that can offer these federally backed loans to entrepreneurs. The restriction applies only to for-profit companies, allowing nonprofit lending organizations to continue participating without counting toward the cap.
People affected—not determinable from the text provided; the text specifies an institutional cap of 16 lending companies rather than a population count
Fiscal magnitude—not determinable from the text provided
Reach
provisional · pending review20rigor: heuristic llm
What this bill touches.
Banking/financial rules+24Regulation (cross-sector)+15
Who it helps · who it burdens.
Who it burdens
- For-profit small business lending companiesLimits the number of for-profit small business lending companies authorized to make SBA Section 7 loans to a maximum of 16 at any given time, restricting additional companies from receiving authorization once the cap is reached.
- Small Business AdministrationRequires the SBA Administrator to monitor and enforce a strict cap of no more than 16 authorized for-profit small business lending companies.
The provisions, in plain language.
Caps the number of for-profit small business lending companies authorized to make SBA-backed small business loans at a maximum of 16 at any given time.
How your members of Congress line up
How members voted on CEASE Act of 2025.
Recorded roll calls on this bill, most recent first. Open one to see each member's position.
How it moved.
Show all 21 actions
- Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
- Motion to reconsider laid on the table Agreed to without objection.
- On passage Passed by the Yeas and Nays: 214 - 198 (Roll no. 155). (text of amendment in the nature of a substitute: CR H2489)
- Passed/agreed to in House: On passage Passed by the Yeas and Nays: 214 - 198 (Roll no. 155). (text of amendment in the nature of a substitute: CR H2489)
- On motion to recommit Failed by the Yeas and Nays: 201 - 212 (Roll no. 154).
- Considered as unfinished business. (consideration: CR H2493-2494)
- POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 2987, the Chair put the question on motion to recommit and by voice vote, announced that the noes had prevailed. Ms. Velazquez demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
- The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
- Ms. Velazquez moved to recommit to the Committee on Small Business. (text: CR H2491)
- The previous question was ordered pursuant to the rule.
- DEBATE - The House proceeded with one hour of debate on H.R. 2987.
- Rule provides for consideration of H.R. 2483, H.R. 2931, H.R. 2966 and H.R. 2987. The resolution provides for consideration of H.R. 2483 under a structured rule and for consideration of H.R. 2931, H.R. 2966, and H.R. 2987 under a closed rule. The resolution provides for one hour of debate and one motion to recommit on each bill.
- Considered under the provisions of rule H. Res. 458. (consideration: CR H2489-2491)
- Rule H. Res. 458 passed House.
- Rules Committee Resolution H. Res. 458 Reported to House. Rule provides for consideration of H.R. 2483, H.R. 2931, H.R. 2966 and H.R. 2987. The resolution provides for consideration of H.R. 2483 under a structured rule and for consideration of H.R. 2931, H.R. 2966, and H.R. 2987 under a closed rule. The resolution provides for one hour of debate and one motion to recommit on each bill.
- Placed on the Union Calendar, Calendar No. 79.
- Reported (Amended) by the Committee on Small Business. H. Rept. 119-107.
- Ordered to be Reported (Amended) by the Yeas and Nays: 15 - 11.
- Committee Consideration and Mark-up Session Held
- Referred to the House Committee on Small Business.
- Introduced in House
- Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
- Motion to reconsider laid on the table Agreed to without objection.
- On passage Passed by the Yeas and Nays: 214 - 198 (Roll no. 155). (text of amendment in the nature of a substitute: CR H2489)
- Passed/agreed to in House: On passage Passed by the Yeas and Nays: 214 - 198 (Roll no. 155). (text of amendment in the nature of a substitute: CR H2489)
- On motion to recommit Failed by the Yeas and Nays: 201 - 212 (Roll no. 154).
- Rule H. Res. 458 passed House.
- Rules Committee Resolution H. Res. 458 Reported to House. Rule provides for consideration of H.R. 2483, H.R. 2931, H.R. 2966 and H.R. 2987. The resolution provides for consideration of H.R. 2483 under a structured rule and for consideration of H.R. 2931, H.R. 2966, and H.R. 2987 under a closed rule. The resolution provides for one hour of debate and one motion to recommit on each bill.
- Reported (Amended) by the Committee on Small Business. H. Rept. 119-107.
- Ordered to be Reported (Amended) by the Yeas and Nays: 15 - 11.
- Introduced in House
Read it for yourself.
Sources & provenance
Cite this page
Civic Herald. “CEASE Act of 2025 (H.R. 2987, 119th Congress).” https://civicherald.app/bills/119-hr-2987. Congress.gov record as of Jul 13, 2026.