{"abstract":"The U.S. Small Business Administration (SBA or Agency) is amending various regulations governing SBA's Disaster Loan Program in order to expand options for disaster loan recipients as well as reflect the impact of inflationary increases over time that result in higher costs. These changes, including the increase to the home loan lending limits, the extension of the deferment period and the expansion of mitigation options, are intended to increase disaster survivors' access to obtain needed disaster loan funds for the repair or replacement of a damaged property. The changes are overdue and necessary due to increased costs related to construction and labor, as well as increases in property valuations that have occurred over time.","action":"Direct final rule.","agencies":[{"raw_name":"SMALL BUSINESS ADMINISTRATION","name":"Small Business Administration","id":468,"url":"https://www.federalregister.gov/agencies/small-business-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/468","parent_id":null,"slug":"small-business-administration"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2023/06/16/2023-12779.html","cfr_references":[{"chapter":null,"citation_url":null,"part":123,"title":13}],"citation":"88 FR 39335","comment_url":null,"comments_close_on":"2023-07-17","correction_of":null,"corrections":[],"dates":"Effective date: This rule is effective July 31, 2023, unless SBA receives a significant adverse comment to this direct final rule by July 17, 2023 that explains why it is inappropriate, for example by persuasively challenging the rule's underlying premise or approach or explaining why the rule will be ineffective or unacceptable without a change. If a timely, significant adverse comment is received, the Agency will publish a notification of withdrawal of the direct final rule in the Federal Register before the effective date. Such a notification might withdraw the direct final rule in whole or in part.","disposition_notes":null,"docket_ids":[],"dockets":[{"supporting_documents":[],"agency_name":"SBA","documents":[{"comment_count":3,"comment_start_date":"2023-06-16","updated_at":"2023-07-18T00:01:13.620-04:00","comment_url":"https://www.regulations.gov/commenton/SBA-2023-0002-0001","allow_late_comments":null,"id":"SBA-2023-0002-0001","comment_end_date":"2023-07-18","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"SBA-2023-0002","title":"Disaster Assistance Loan Program Changes to Maximum Loan Amounts and Miscellaneous Updates"}],"document_number":"2023-12779","effective_on":"2023-07-31","end_page":39341,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2023/06/16/2023-12779.xml","html_url":"https://www.federalregister.gov/documents/2023/06/16/2023-12779/disaster-assistance-loan-program-changes-to-maximum-loan-amounts-and-miscellaneous-updates","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2023-12779?publication_date=2023-06-16","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2023-06-16/2023-12779/mods.xml","not_received_for_publication":null,"page_length":7,"page_views":{"count":3009,"last_updated":"2026-04-17 22:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-06-16/pdf/2023-12779.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-12779.pdf?1686833120","publication_date":"2023-06-16","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2023/06/16/2023-12779.txt","regulation_id_number_info":{"3245-AH91":{"issue":"202304","html_url":"https://www.federalregister.gov/regulations/3245-AH91/disaster-assistance-loan-program-changes-to-maximum-loan-amounts-and-miscellaneous-updates","title":"Disaster Assistance Loan Program Changes to Maximum Loan Amounts and Miscellaneous Updates","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202304&RIN=3245-AH91&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3245-AH91"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3245-AH91/disaster-assistance-loan-program-changes-to-maximum-loan-amounts-and-miscellaneous-updates","title":"Disaster Assistance Loan Program Changes to Maximum Loan Amounts and Miscellaneous Updates"},"comments_count":3,"agency_id":"SBA","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=SBA-2023-0002","supporting_documents_count":0,"docket_id":"SBA-2023-0002","document_id":"SBA-2023-0002-0001","regulation_id_number":"3245-AH91","title":"Disaster Assistance Loan Program Changes to Maximum Loan Amounts and Miscellaneous Updates","checked_regulationsdotgov_at":"2023-07-18T04:01:12Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":39335,"subtype":null,"title":"Disaster Assistance Loan Program Changes to Maximum Loan Amounts and Miscellaneous Updates","toc_doc":"Disaster Assistance Loan Program Changes to Maximum Loan Amounts and Miscellaneous Updates","toc_subject":null,"topics":["Disaster assistance"],"type":"Rule","volume":88}