VISIBLE Act

House Bill

H.R. 4667

119th Congress

VISIBLE Act

In Committee

Introduced:Jul 23, 2025

Primary Sponsor

Emanuel Cleaver II

Representative

Democratic

MO-5

Cosponsors

2

Quick Stats

Policy Area

Commerce

Summary

The VISIBLE Act requires the Small Business Administration (SBA) to provide guidance for borrowers and lenders on returning unused Paycheck Protection Program (PPP) loan amounts. This helps ensure that COVID-19 relief funds are used properly and any unused money is returned to the government.

Latest Action

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

SponsorEmanuel Cleaver II (D-MO)

Introduced7/23/2025

StatusReferred to the Committee on the Judiciary, and in addition to the Committee on Homeland Security, f

ChamberHouse

Data from Congress.gov

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Vote Prediction

VISIBLE Act

The VISIBLE Act requires the Small Business Administration (SBA) to provide guidance for borrowers and lenders on returning unused Paycheck Protection Program (PPP) loan amounts. This helps ensure that COVID-19 relief funds are used properly and any unused mon

Community Breakdown

Pass

0%

Fail

0%

0 predictions

The VISIBLE Act requires the Small Business Administration (SBA) to provide guidance for borrowers and lenders on returning unused Paycheck Protection Program (PPP) loan amounts. This helps ensure that COVID-19 relief funds are used properly and any unused money is returned to the government.

Bill Number: 4667
Sponsor: Emanuel Cleaver II (D-MO)
Introduced: 7/23/2025
Status: Referred to the Committee on the Judiciary, and in addition to the Committee on Homeland Security, f
Policy Area: Commerce

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: VISIBLE Act
Bill Number: 4667
Sponsor: Emanuel Cleaver II (D-MO)
Status: Referred to the Committee on the Judiciary, and in addition to the Committee on Homeland Security, f
Introduced: 7/23/2025
Summary: The VISIBLE Act requires the Small Business Administration (SBA) to provide guidance for borrowers and lenders on returning unused Paycheck Protection Program (PPP) loan amounts. This helps ensure that COVID-19 relief funds are used properly and any unused money is returned to the government.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

The VISIBLE Act requires the Small Business Administration (SBA) to provide guidance for borrowers and lenders on returning unused Paycheck Protection Program (PPP) loan amounts. This helps ensure that COVID-19 relief funds are used properly and any unused money is returned to the government.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Returning Erroneous COVID Loans Addressing Illegal and Misappropriated Taxpayer Funds Act or the RECLAIM Taxpayer Funds Act This bill requires the Small Business Administration (SBA) to issue guidance for borrowers and lenders about returning any unused Paycheck Protection Program (PPP) loan amounts made to the borrower. The SBA must track the amounts of PPP loans returned to mitigate the risk of financial loss. The guidance must be issued not later than 30 days after the bill is enacted.

Key Points

Main provisions of the bill

Requires the SBA to issue guidance within 30 days on how borrowers and lenders can return unused PPP loan amounts
Aims to mitigate the risk of financial loss by tracking the amounts of PPP loans that are returned
Focuses on ensuring that COVID-19 relief funds are used as intended and that any unused money is returned to taxpayers

How This Impacts Americans

Potential effects on citizens and communities

If passed, this bill would impact both PPP borrowers and lenders by providing clear instructions on how to return unused loan amounts. This could help recover taxpayer funds that were not used as intended during the pandemic, benefiting the general public. Small businesses and other PPP recipients would also be affected as they would need to follow the SBA's guidance to return unused loan money.

Policy Areas

Primary Policy Area

Commerce

Related Subjects

Government lending and loan guarantees

Government studies and investigations

Small business

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

4667, 119th Congress (2025). "VISIBLE Act". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-4667

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