Some lenders would get extra time before they can be fined under new small business loan data rules. The bill also narrows which lenders and businesses count under those rules.
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.
Small LENDER Act is a Senate bill in Congress.
Who this affects: This bill mainly affects lenders that make small business loans and the small businesses that seek those loans. Lower-volume lenders may no longer have to follow these specific data rules if they fall below the 500-transaction test. Businesses with $1,000,000 or less in yearly revenue would be the main businesses counted under the data rules. The CFPB, researchers, and fair-lending monitors could also see changes in how much loan data they receive and when they receive it.
Why this matters: This bill matters because it could change how soon, and how fully, the public can see small business lending patterns. Lenders may get relief from complex reporting work and early penalties. But fewer lenders may have to report, and enforcement could take longer. That could make it harder to spot gaps in credit access or possible unfair lending.
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.
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Officially: Small LENDER Act
Some lenders would get extra time before they can be fined under new small business loan data rules. The bill also narrows which lenders and businesses count under those rules.
Use this page to support, oppose, or ask Congress to amend S1159. 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 Senate Committee
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 Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
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 Small LENDER Act, 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 (introduced), 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 S1159, your stance, and the reasons you choose, then lets you edit and send when ready.
