This legislation mandates that Small Business Administration employees who personally and substantially participate in the origination, review, or approval of loans must certify they have no prohibited conflicts of interest. This certification must be made prior to their involvement in any such loan, ensuring transparency and integrity in the lending process. Should an employee discover a conflict of interest after submitting their certification, they are required to immediately disclose it to their supervisor and recuse themselves from further participation in that specific loan. The bill also stipulates that the Administrator of the Small Business Administration must issue implementing regulations within 180 days of the Act's enactment, with the certification requirement taking effect 270 days later.