Bills · HR 7109
IN COMMITTEE· 119TH CONGRESS
House BillHR 7109Commerce
Small Business Child Care Investment Act
INTRO JAN 15· LAST ACTION JAN 15
READING
5MIN
COSPONSORS
2
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because access to affordable and high-quality child care is a significant challenge for many families across the country. Child care facilities, especially nonprofits, often struggle with funding to maintain their operations, meet increasing demand, or expand their services. By allowing nonprofit child care providers to access Small Business Administration (SBA) loan programs, the bill aims to inject much-needed capital into the child care sector.
If this bill becomes law, it could lead to more child care options, better facilities, and potentially more stable employment for child care workers. This means parents might find it easier to secure care for their children, which in turn supports their ability to work and contributes to the overall economy. If it doesn't become law, nonprofit child care providers will continue to rely on existing, potentially more limited, funding sources, potentially slowing the growth and improvement of child care services and leaving families to face ongoing challenges in finding suitable care.
KEY PROVISIONS
5AI-extractedPROVISION 01
Allows certain nonprofit child care providers to be considered "small business concerns" for the purpose of receiving loans under the SBA's 7(a) Business Loan Program.
This opens up a crucial source of flexible funding for operational costs, working capital, and other general business needs to nonprofit child care centers.
PROVISION 02
Extends eligibility to these nonprofit child care providers for loans under Section 504 of the Small Business Investment Act, which provides financing for real estate and equipment.
This enables nonprofits to finance larger capital expenses, such as building new facilities or purchasing expensive educational equipment, addressing significant infrastructure needs.
PROVISION 03
Establishes a specific definition for a "covered nonprofit child care provider," requiring state licensing, 501(c)(3) status, primary care for young children, size standard compliance, and criminal background checks for staff.
This ensures that only legitimate, regulated, and safe nonprofit child care organizations are eligible for these federal loan programs.
PROVISION 04
Prohibits the SBA from making direct loans to these providers, requiring instead that loans be made through banks and financial institutions, and mandates a payment guarantee for loans over $500,000.
This provision manages risk for the SBA and ensures private sector involvement, while the guarantee requirement adds a layer of financial security for larger loans.
PROVISION 05
Requires the Administrator of the Small Business Administration to submit annual reports to Congress detailing the number and amount of loans provided to covered nonprofit child care providers.
This ensures transparency and oversight, allowing Congress to monitor the program's impact and effectiveness.
SPONSORSHIP
1 + 2
D· Nevada
YRS IN OFFICE
7
BILLS LED
26
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 0 REP 2 IND 0
ACTION TIMELINE
2 EVENTSJAN 15
Introduced in House
JAN 15
Referred to the House Committee on Small Business.
BILL INFO
TypeHouse Bill
NumberHR 7109
Congress119th
StatusIn Committee
IntroducedJan 15, 2026
Last actionJan 15, 2026
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IN COMMITTEE· 119TH CONGRESS · SMALL BUSINESS COMMITTEE · INTRODUCED JAN 15, 2026
House BillHR 7109Commerce
Small Business Child Care Investment Act
INTRODUCED JAN 15, 2026· LAST ACTION JAN 15, 2026
PASSAGE CHANCES
—%
READING
5 min
COSPONSORS
2
COMPLEXITY
Moderate
