This bill, the Small Business Disaster Damage Fairness Act of 2025, significantly increases the minimum Small Business Administration (SBA) disaster loan amount for which collateral may be required from $14,000 to $50,000 , applying this new threshold to all disaster types. It also mandates that the SBA Administrator differentiate between rural and urban communities in disaster loan outreach and marketing, incorporating actions to mitigate challenges faced by rural areas, as recommended by the Government Accountability Office. To assess the impact of these changes, the legislation requires the Comptroller General to submit a report within three years, evaluating the performance and default rates of SBA disaster loans and analyzing how the amended collateral requirements affect loan outcomes.