introduced H.R. 9159, the Protect Our Homes Act — legislation to establish a loan program within the U.S. Small Business Administration (SBA) to help communities repair residential common areas after natural disasters and/or protect property from future disasters.
Establish an SBA loan program to help communities repair residential common areas after natural disasters and protect property from future disasters.
Occurrences
Soto Introduces Protect Our Homes Act to Improve Disaster Relief and Lower Housing Costs
To amend the Small Business Act to establish a program under which the Small Business Administration may make supplemental disaster loans to homeowner associations to repair common areas damaged by disasters and implement disaster mitigation measures, and for other purposes.
Evidence
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The official House site lists a June 5, 2026 press release saying Soto introduced H.R. 9159, the Protect Our Homes Act, as an effort to improve disaster relief and lower housing costs.
legacy_unverified · Source version not recorded · locator unknown
The official House website’s June 5, 2026 press release says Rep. Darren Soto introduced H.R. 9159, the Protect Our Homes Act, to improve disaster relief and lower housing costs.
legacy_unverified · Source version not recorded · locator unknown
GovInfo lists H.R. 9159 as the Introduced in House version. The last listed action is June 4, 2026: Mr. Soto introduced the bill, and it was referred to the House Committee on Small Business. The bill title says it would amend the Small Business Act to establish SBA supplemental disaster loans for homeowner associations to repair disaster-damaged common areas and implement mitigation measures.
legacy_unverified · Source version not recorded · locator unknown
SBA's current disaster recovery page lists disaster loan eligibility for businesses, homeowners, renters, and private nonprofit organizations and describes existing physical damage, home and personal property, business physical disaster, EIDL, MREIDL, and mitigation assistance options. The page does not list a homeowner-association or Residential Common Area Repair Loan program.
Assessments
Soto introduced H.R. 9159, the Protect Our Homes Act, during the 119th Congress to create SBA supplemental disaster loans for homeowner associations to repair disaster-damaged residential common areas and fund mitigation. That closely matches the promise and qualifies as a serious legislative effort. However, the bill is only shown as introduced and referred to the House Committee on Small Business, with no passage, enactment, or SBA implementation found. Current SBA disaster-loan materials do not show the promised homeowner-association/common-area loan program as established.
The evidence shows Rep. Darren Soto introduced H.R. 9159, the Protect Our Homes Act, on June 5, 2026 as a concrete legislative effort related to the promised SBA disaster-repair loan program. But the record provided shows only introduction, not enactment or actual establishment of the loan program. Under the scoring rule, a serious legislative attempt without successful delivery counts as never, with effort credit.
The available evidence shows Darren Soto took a concrete legislative step by introducing H.R. 9159, the Protect Our Homes Act, on June 5, 2026, aimed at disaster relief and housing protection. But the promise was to establish an SBA loan program, and the record provided does not show enactment, implementation, or creation of such a program. Under the stated rule, a serious legislative attempt without delivery counts as never, with effort credit.