US HB5788

Requires the SBA Administrator to conduct annual risk analysis of all loans guaranteed under the 504 loan program (Title V of the Small Business Investment Act of 1958)

Mandates annual reports to Congress beginning December 1, 2025, analyzing program risk by industry concentration, loan size categories (ranging from ≤$500,000 to ≤$5,500,000), loan age, and borrower business maturity

Requires consolidated risk analysis of development companies responsible for at least 1% of gross loan approvals, without identifying individual companies by name

Reports must include data on defaults, purchases, collections, charge-offs, enforcement actions, and civil monetary penalties assessed against development companies

Reports must be made publicly available on the SBA website within 7 days of submission to Congress