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SBA RIN: 3245-AH87 Publication ID: Fall 2022 
Title: Affiliation and Lending Criteria for the SBA Business Loan Programs 

SBA will publish a notice of proposed rulemaking to solicit comments from the public and industry regarding changes to credit criteria, including certain loan conditions and criminal history for the business loan programs and SBA’s affiliation rules. SBA is seeking comments on streamlining credit/underwriting requirements including hazard insurance to better sync with lender participant policies for similarly sized non-SBA guaranteed commercial loans. SBA is seeking comments on the treatment of associates with criminal background focusing on the issues of equity, criminal justice and employment. Under SBA’s affiliation rules for business loan programs, SBA may find an applicant to be affiliated with another concern based on several principles of affiliation. The concepts of affiliation need to be clear and easy to apply for borrowers, lenders, and other industry associates to ensure program compliance. SBA proposed to streamline the principles of affiliation for all of the business loan programs and will review comments received and, as appropriate, amend the regulations governing affiliation applicable to all of the SBA business loan programs.

Agency: Small Business Administration(SBA)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: No  Unfunded Mandates: No 
CFR Citation: 13 CFR 120    13 CFR 121   
Legal Authority: 15 U.S.C. 636   
Legal Deadline:  None
Action Date FR Cite
NPRM  10/26/2022  87 FR 64724   
NPRM Comment Period End  12/27/2022 
Final Rule  03/00/2023 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Dianna L. Seaborn
Director, Office of Financial Assistance
Small Business Administration
409 Third Street SW,
Washington, DC 20416
Phone:202 205-3645