To authorize the appropriation of $8,000,000,000 for disaster loans.

HR 9946 authorizes $8 billion in funding for the Small Business Administration (SBA) to provide disaster loans under the existing 7(b) loan program of the Small Business Act. This bill directly affects small businesses and individuals in areas impacted by federally declared disasters by enabling the SBA to offer low-interest loans for recovery. The key mechanism is the specific appropriation of $8,000,000,000, which allows the SBA to make these loans without requiring new legislative changes to the program's structure. The bill does not alter eligibility rules or create new loan types; it solely provides the necessary funding for current disaster loan operations.