504 Program Risk Oversight Act

Sponsored by Rep. Derek Tran (D-CA) · 3 active : 1 Republican, 2 Democrats

Latest action: Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.

Read the summary

Where it standsPassed House, now in the Senate

Passed House

House: passedJan 20, 2026
Senate: next
President: not yet

9 senators score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

504 Program Risk Oversight Act

This bill requires the Small Business Administration (SBA) to annually conduct a risk analysis of all loans guaranteed under the 504 loan program.

The 504 loan program provides long-term, fixed-rate financing to qualifying small businesses for major fixed assets, such as land, buildings, equipment, and machinery.

The SBA must annually report the results of the risk analysis for each preceding fiscal year, including the steps taken by the SBA to mitigate the risks identified in the analysis.

How the projections held up

Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.

House

Passed by voice vote or unanimous consent: no individual votes recorded.

Committees and subjects

Committees

House Committee on Small Business · HouseReported by · Markup by · Referred to
Senate Committee on Small Business and Entrepreneurship · SenateReferred to

Subjects

Bank accounts, deposits, capital
Civil actions and liability
Congressional oversight
Government information and archives
Government studies and investigations
Performance measurement

Senate · 100 House · 433

Model

v3defaultv2

Directional: count only breaks toward the other party Why do scores change?

How the House breaks down

43Swing 70–100
206Middle 30–70
182Entrenched 0–30
2Insufficient data not ranked

Members fall into . 2 representatives don’t have enough data yet and are marked “insufficient data”. Non-voting delegates are not counted. The bill is not before the House right now; these scores show where members would stand.

Key players in the House

Ranked by swing score, 0–100 · swing-v2, directional

: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.

Bars show each input from 0 to 100: ideology gap, scorecard gap, . is the seat’s partisan lean, and shows how much of the input data a score has.

Similar past votes, House

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the House: total similarity weight 12.0 (needs 5.0).

H.R. 4305 · Dec 3, 2025 · Roll call 310On PassageDUMP Red Tape Act
PassedShared subjects×1.0
H.R. 7757 · Jun 29, 2026 · Roll call 588On Motion to Suspend the Rules and Pass, as AmendedKIDS Act
PassedSame policy area×0.5
H.Res. 1182 · Apr 22, 2026 · Roll call 492On Agreeing to the ResolutionExpressing support for rural communities across the United States as stewards of the environment, major suppliers of the United States energy resources, critical providers of food production and manufacturing capacity, and drivers of national economic stability, and recognizing the work of the House of Representatives
PassedSame policy area×0.5
S. 3971 · Mar 17, 2026 · Roll call 449On Motion to Suspend the Rules and PassSmall Business Innovation and Economic Security Act
PassedSame policy area×0.5
H.R. 2965 · Dec 3, 2025 · Roll call 309On PassageSmall Business Regulatory Reduction Act
PassedSame policy area×0.5
H.R. 1770 · Jul 14, 2025 · Roll call 191On Motion to Suspend the Rules and PassConsumer Safety Technology Act
PassedSame policy area×0.5
H.R. 3422 · Jun 23, 2025 · Roll call 173On Motion to Suspend the Rules and Pass, as AmendedPromoting Opportunities for Non-Traditional Capital Formation Act
PassedSame policy area×0.5
H.R. 2966 · Jun 6, 2025 · Roll call 155On PassageAmerican Entrepreneurs First Act
PassedSame policy area×0.5

Show 15 more

H.R. 2987 · Jun 5, 2025 · Roll call 154On PassageCEASE Act
PassedSame policy area×0.5
H.R. 2931 · Jun 5, 2025 · Roll call 152On PassageSave SBA from Sanctuary Cities Act
PassedSame policy area×0.5
H.R. 1442 · Apr 29, 2025 · Roll call 107On Motion to Suspend the Rules and Pass, as AmendedYouth Poisoning Protection Act
PassedSame policy area×0.5
H.R. 973 · Apr 28, 2025 · Roll call 102On Motion to Suspend the Rules and PassSetting Consumer Standards for Lithium-Ion Batteries Act

Cosponsors

3 active

Show all 3 cosponsors

How the swing score works

Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.

Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.

Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.

Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.

Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.

Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.