Small Business Lending Fraud Prevention Act

This bill requires employees of the Small Business Administration (SBA) who process, review, or approve SBA loans to certify in writing that they have no conflicts of interest related to those loans. Specifically, employees must confirm they are unaware of any prohibited conflicts under federal law before handling a loan, disclose any new conflicts immediately, and understand existing conflict rules. The certification must be submitted prior to their involvement in loan decisions, directly affecting SBA staff managing loan approvals. The bill does not change loan terms or eligibility but adds a procedural requirement to prevent potential fraud through employee conflicts. It becomes effective 270 days after enactment, with regulations to follow within 180 days.