The bill limits how many for-profit small business lending companies can be authorized to make SBA section 7 loans, setting a hard cap of 16 nationwide. Nonprofit SBLCs are not counted against that cap. It does not change loan terms or borrower eligibility.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
CEASE Act of 2025 is a Senate bill in committee. The latest recorded action: Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
Latest action on H.R. 2987: Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
Who this affects: This bill mainly affects the small set of lenders called “small business lending companies” (SBLCs) that participate in SBA lending, and it does so differently based on whether they are for-profit or nonprofit. It can also affect small businesses looking for an SBA loan under section 7, depending on whether the cap changes how many participating lenders are available in practice. Finally, it directly affects the SBA Administrator, who must enforce the cap and manage authorizations under it.
Why this matters: The bill matters because it sets a hard nationwide limit on how many for-profit SBLCs can take part in SBA section 7 lending, while letting nonprofit SBLCs participate without counting toward that limit. That could affect competition and lender choice within this slice of the SBA lending ecosystem, even though borrower eligibility and loan terms stay the same. The real-world impact depends heavily on how the SBA Administrator applies the cap and manages authorizations when demand to participate is higher than the limit.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Officially: CEASE Act of 2025
The bill limits how many for-profit small business lending companies can be authorized to make SBA section 7 loans, setting a hard cap of 16 nationwide. Nonprofit SBLCs are not counted against that cap. It does not change loan terms or borrower eligibility.
Use this page to support, oppose, or ask Congress to amend H.R.2987. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Small Business and Entrepreneurship
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Latest: Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship. (6/9/2025)
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to CEASE Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around H.R.2987, your stance, and the reasons you choose, then lets you edit and send when ready.
