The Small Business Disaster Damage Fairness Act of 2025 aims to amend the Small Business Act by increasing the threshold for collateral requirements on disaster loans. Specifically, it raises the minimum loan amount for which the Small Business Administration may require collateral from $14,000 to $50,000 , applying this change to all disasters, not just major ones. Furthermore, the bill mandates that the Comptroller General of the United States submit a report within three years of enactment. This report will analyze the performance and default rates of disaster loans, specifically assessing the impact of the new collateral amount amendments on these loans. Finally, the Act directs the Small Business Administration to improve its disaster loan outreach and marketing efforts by distinguishing between rural and urban communities and addressing the unique challenges rural areas face in accessing these vital loans.