Contact Congress about H.R. 4238: DLARA

The SBA would have to give Congress clearer updates on disaster loan money and costs. When funds get very low, SBA could limit some new loan promises until Congress adds more money. The bill also orders reviews of why a recent funding shortfall happened.

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DLARA is a Senate bill waiting for floor action. The latest recorded action: Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 448.

Latest action on H.R. 4238: Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 448.

Who this affects: This bill mainly affects people and businesses that may need SBA disaster loans after a disaster. It also affects the SBA staff who manage the loans and the members of Congress who decide how much money to provide. The biggest real-world change is that loan funding problems may become visible sooner. But if funds get very low, some borrowers could face delays or limits tied to collateral.

Why this matters: Disaster survivors can face delays if SBA loan money runs short or if Congress gets warning too late. This bill tries to make those funding problems easier to see before they become a crisis. Better reports could help Congress plan funding and spot weak budget estimates. But the low-funding rules could also affect how fast some loans move during tight budget periods.

Key provisions in H.R. 4238

• SBA monthly reports would have to cover all SBA disaster loans. They would also have to say when funds may drop to 10% of the latest funding amount and when funds may run out.
• If required monthly reports are late, the SBA Administrator could not spend federal money on official travel. That travel ban would last until the report is sent.
• The President's yearly budget would have to split out regular SBA disaster loan costs and COVID-EIDL loan costs. It would also show running costs, 10-year averages, and reasons when the request differs from those averages.
• SBA would have to act fast when available disaster loan cost money falls below 10% of the 10-year average yearly cost. It must tell key congressional committees within 24 hours.
• During low-funding periods, SBA could limit new loan promises to amounts backed by collateral. Any delayed amounts must be promised and paid out within 14 days after Congress provides new money.

How Modern Action helps you take action on H.R. 4238

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.

Questions people ask about H.R. 4238

What is H.R. 4238?

The SBA would have to give Congress clearer updates on disaster loan money and costs. When funds get very low, SBA could limit some new loan promises until Congress adds more money. The bill also orders reviews of why a recent funding shortfall happened.

How do I support or oppose H.R. 4238?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 4238?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 4238 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.