Expressing the sense of the House of Representatives that small business owners seeking financing have fundamental rights, including transparent pricing and terms, competitive products, responsible underwriting, fair treatment from financing providers, brokers, and lead generators, inclusive credit access, and fair collection practices.

This resolution establishes the sense of the House of Representatives that small business owners, who are vital to the U.S. economy and job creation, have fundamental rights when seeking financing. It acknowledges that while small businesses frequently rely on financing, they often face challenges in accessing capital and are increasingly targeted by irresponsible lending practices. The resolution underscores the importance of protecting these businesses to ensure their sustained growth and vitality. The resolution outlines several key rights for small business borrowers, including the right to **transparent pricing and terms** presented in a clear, comparable format, and protection from **predatory financing products** that lead to cycles of reborrowing. It also emphasizes the right to **responsible underwriting** based on a business's ability to succeed and repay, **fair and honest treatment** from all financing parties, and **inclusive credit access** consistent with the Equal Credit Opportunity Act. Furthermore, it asserts rights to **fair collection practices** similar to those under the Fair Debt Collection Practices Act, and protection from confessions of judgment, urging Congress to use these principles as a framework for future protective legislation.