Made in America Manufacturing Finance Act
Download PDFSponsored by
Rep. Williams, Roger [R-TX-25]
ID: W000816
Bill's Journey to Becoming a Law
Track this bill's progress through the legislative process
Latest Action
Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 283.
December 4, 2025
Introduced
Committee Review
Floor Action
Passed House
Senate Review
đź“Ť Current Status
Next: Both chambers must agree on the same version of the bill.
Passed Congress
Presidential Action
Became Law
đź“š How does a bill become a law?
1. Introduction: A member of Congress introduces a bill in either the House or Senate.
2. Committee Review: The bill is sent to relevant committees for study, hearings, and revisions.
3. Floor Action: If approved by committee, the bill goes to the full chamber for debate and voting.
4. Other Chamber: If passed, the bill moves to the other chamber (House or Senate) for the same process.
5. Conference: If both chambers pass different versions, a conference committee reconciles the differences.
6. Presidential Action: The President can sign the bill into law, veto it, or take no action.
7. Became Law: If signed (or if Congress overrides a veto), the bill becomes law!
Bill Summary
Another masterpiece of legislative theater, courtesy of our esteemed Congress. Let's dissect this farce and expose the underlying disease.
**Main Purpose & Objectives:** The "Made in America Manufacturing Finance Act" (HR 3174) claims to support small manufacturers by increasing loan limits for loans made to these businesses. How quaint. The real purpose is to funnel more taxpayer money into the pockets of favored industries, while politicians pretend to care about American manufacturing.
**Key Provisions & Changes to Existing Law:** The bill amends the Small Business Act and the Small Business Investment Act of 1958 to increase loan limits for small manufacturers. Specifically:
* Section 3(a) increases the loan limit from $3,750,000 to $7,500,000 (or $10,000,000 in some cases) for small manufacturers. * Section 4 raises the loan limit under the Small Business Investment Act of 1958 from $5,500,000 to $10,000,000.
These changes are nothing more than a thinly veiled attempt to provide corporate welfare to select industries. The increased loan limits will likely benefit large corporations with lobbying power, rather than actual small manufacturers.
**Affected Parties & Stakeholders:** The bill's proponents claim it will help small manufacturers, but the real beneficiaries are:
* Large corporations in the manufacturing sector * Lobbyists and special interest groups representing these corporations * Politicians who receive campaign donations from these industries
Meanwhile, taxpayers will foot the bill for these increased loan limits, while small businesses without lobbying power will be left behind.
**Potential Impact & Implications:** The bill's impact will be negligible for actual small manufacturers, but significant for large corporations and their lobbyists. The increased loan limits will:
* Provide a windfall for favored industries, allowing them to expand their operations and increase profits * Create more opportunities for crony capitalism and corruption * Further entrench the influence of special interest groups in Washington
In short, HR 3174 is a classic case of "legislative lupus" – a disease where politicians prioritize corporate interests over the public good. The symptoms are clear: increased loan limits, favors for large corporations, and a complete disregard for the well-being of actual small businesses.
Diagnosis: Terminal stupidity, with a side of corruption and greed. Treatment: None, as this patient is beyond saving.
Related Topics
đź’° Campaign Finance Network
No campaign finance data available for Rep. Williams, Roger [R-TX-25]
Project 2025 Policy Matches
This bill shows semantic similarity to the following sections of the Project 2025 policy document. Higher similarity scores indicate stronger thematic connections.
Introduction
— 757 — Small Business Administration largely duplicates private-sector venture capital to the extent that the sector receiving much of its support is software and information technology, which already receive the lion’s share of venture capital investment.65 In addition, Congress should reform the SBIC program to make its financing more favorable to capital-intense investments and small manufacturers. The Health, Economic Assistance, Liability Protection, and Schools (HEALS) Act, introduced in 2020,66 and American Innovation and Manufacturing Act, introduced in 2021,67 would allow SBIC to offer longer-term financing to manufacturers and make the program more fiscally sustainable. Small-Business Size Standard Modernization. Many small-business pro- grams both inside and outside the SBA use the SBA’s definition of “small business.” Under the Small Business Act, the SBA is tasked with defining what counts as a small business and ensuring that the definition varies from industry to industry to reflect differences in regular size by industry. However, the SBA’s small-business size standards reflect a one-size-fits-all approach under which all businesses within its size standard are considered small businesses for all eligible purposes, from gov- ernment contracting preferences to eligibility for SBA loans through private banks. At the same time, the SBA is an outlier among competing economies in not considering medium-sized enterprises along with small businesses, often referred to collectively as small and medium-sized enterprises (SMEs). Medium-sized and regional businesses are increasingly critical to maintaining competition. The next Administration should: l Encourage Congress to create a “medium-sized business” classification with its eligibility for programs confined to access to capital programs from projects for which credit elsewhere does not exist. SBA POLICY PRIORITIES FOR 2025 AND BEYOND Legislation. The new Administration can support SBA reform legislation pro- posed in Congress that aligns with key measures outlined in this chapter. It also can support legislative initiatives that would help SBA to focus on its core statutory activities such as capital access, federal contracting opportunities, and regulatory advocacy. For example: l The IMPROVE the SBA Act68 would strengthen accountability, transparency, and oversight of the SBA and aligns with many of the reforms outlined in this chapter. — 758 — Mandate for Leadership: The Conservative Promise l The Small Business Regulatory Flexibility Improvements Act69 would require federal agencies to perform more thorough RFA economic analysis and provide a rationale for proposed regulations. It also would waive fines for certain first-time paperwork violations. l The Small Business Regulatory Enforcement Fairness Act70 (SBREFA) panel process allows small businesses to provide input on agency rulemakings, gives participating small businesses greater procedural rights, and allows for judicial review of agency violations of the SBREFA panel process. SBREFA panel requirements should be extended to all federal agencies. l The Fair and Open Competition Act71 would disallow the use of project labor agreements (PLAs) in federal contracting as required in President Biden’s Executive Order 14063,72 which puts small businesses at a competitive disadvantage and works against the SBA’s governmentwide contracting goal for small businesses. l The JOBS Act 4.073 would advance regulatory improvements and modernization of various Securities and Exchange Commission (SEC) rules to enhance capital formation and access. ORGANIZATIONAL ISSUES AND BUDGET Administrator and Key Staff. The position of Administrator should not be considered a symbolic or messaging-related position as some past Administrations have viewed it. Rather, the Administrator should have the requisite experience, skills, and knowledge to ensure that the SBA fulfills its statutory authorities. Because much of the SBA’s statutory authority relates to financing and reg- ulatory policy, and in order to make the SBA a more effective agency within the Administration, the Administrator and his or her key staff should have experience in small-business finance and investment and/or administrative law. For example, during the COVID-19 pandemic, the SBA was often forced to outsource key deci- sions and administrative follow-through to the Department of the Treasury. The SBA Administrator and leadership team must share the President’s mission and vision and execute the Administration’s policies effectively. Budget The next Administration should undertake a comprehensive review of the effectiveness of its various loan and grant programs and provide a report to Congress within six months. The report should rank programs by cost-effective- ness. In the interim, the roughly $1 billion overall agency budget should be held constant until the report is considered, after which Congress should terminate
About These Correlations
Policy matches are calculated using semantic similarity between bill summaries and Project 2025 policy text. A score of 60% or higher indicates meaningful thematic overlap. This does not imply direct causation or intent, but highlights areas where legislation aligns with Project 2025 policy objectives.