YVN Summary
\n\n小型贷款机构将获得更多时间和缓冲期，然后才须面临消费者金融保护局小企业贷款数据收集规则（2023年最终确定的「B条例」规则）的处罚。金融机构将有三年时间从规则发布之日起达到合规要求，随后是两年安全港期——在此期间必须合规，但不因未能合规而受到处罚。本法案还收窄了规则的适用范围：仅过去两年中每年发放至少500笔小企业信贷业务的机构才须遵守；「小企业」将被定义为年总收入不超过100万美元的企业。数据收集旨在帮助监管机构发现小企业贷款中的歧视问题。
","status":"COMMITTEE_CONSIDERATION","topics":["ECONOMY"],"introducedAt":"2025-02-04T00:00:00+00:00","latestActionAt":"2026-06-18T00:00:00+00:00","congressGovUrl":"https://www.congress.gov/bill/119th-congress/house-bill/941","accountabilityFlags":{"transparency_accountability":["↓ 贷款数据收集合规——延迟三年，并增设两年免罚安全港期","↓ 受监管贷款机构门槛——提高至500笔小企业交易，使较小贷款机构免于报告义务"]},"tldr":"给予小型贷款机构3年时间，外加2年无处罚宽限期，以遵守新的小企业贷款数据申报规定，并缩小该规定的适用范围。","summaryStandard":"v2","flagExplainers":{"civil_liberties":["Today, where feasible, the people who decide your loan may not see your answers about women- or minority-ownership. If they do, the lender must tell you. The bill would delete both rules.","A lender could record only what you tell it. It could not fill in your business's status by looking at you or by any other guess."],"transparency_accountability":["No lender would have to collect or report this loan data until June 1, 2031. The CFPB could not require it any sooner.","For two years after the 2031 start date, the CFPB could not enforce the data rules. Lenders that fell short in that window would face no penalty.","Any lender with less than $10 billion in assets would be exempt. Today the law covers any company or group that does financial business.","A lender would also be exempt if it made fewer than 2,500 small-business loans in each of the past two calendar years.","Lenders would no longer record the race, sex, and ethnicity of a business's main owners. They would still ask if the business is women-owned, minority-owned, or small.","Lenders would stop recording how much credit a business asked for and how much it got. They would still record the loan type, the decision, and the business's location and sales.","Today the CFPB can add other data it finds useful for spotting unfair lending. The bill would take away that power.","Many applicants may choose not to answer. How many applicants answer could not be used to judge whether a lender followed the rules.","Lenders could tell applicants in writing that the government requires the questions, that answering is optional, and that answers won't affect the loan. The CFPB would write a one-page model form."]},"flagValence":{"civil_liberties":["contested","contested"],"transparency_accountability":["contested","contested","contested","contested","contested","contested","contested","contested","good"]},"needsResummary":false,"displaySummaryHtml":null,"rawStatusText":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-702.","chamber":"HOUSE","policyArea":"Commerce","legislativeSubjects":["Banking and financial institutions regulation","Business records","Data collection, sharing, protection","Financial services and investments","Small business"],"lawStatus":null,"lawNumber":null,"latestActionText":"Placed on the Union Calendar, Calendar No. 610.","latestTextVersion":"Reported in House","textVersionUsed":"Reported in House","dateAdded":"2026-05-14T00:00:00+00:00","summarizedAt":"2026-10-17T17:31:34+00:00","recordId":"58a43e3e-7933-4fcf-9a20-05d87a5ebe4b","feedIdentityKey":"119/hr/941","websiteBillId":"HR-941","yourvoiceSummary":"小型贷款机构将获得更多时间和缓冲期，然后才须面临消费者金融保护局小企业贷款数据收集规则（2023年最终确定的「B条例」规则）的处罚。金融机构将有三年时间从规则发布之日起达到合规要求，随后是两年安全港期——在此期间必须合规，但不因未能合规而受到处罚。本法案还收窄了规则的适用范围：仅过去两年中每年发放至少500笔小企业信贷业务的机构才须遵守；「小企业」将被定义为年总收入不超过100万美元的企业。数据收集旨在帮助监管机构发现小企业贷款中的歧视问题。","updatedAt":"2026-10-25T00:32:15.174401+00:00"}