NONPARTISAN · MODERNIZING FEDERAL LENDING
Ensuring Americans get the capital they need through loan programs that work.
The Center for USA Lending is working to modernize the U.S. government’s lending enterprise. We connect stakeholders to build a credit ecosystem where students, homeowners, veterans, farmers and small businesses can access capital through transparent, efficient programs powered by modern technology and infrastructure.
The Lending Brief
Keeping you current on the U.S. government’s enormous — but underreported — loan portfolio. Useful, occasionally entertaining. At least for government credit nerds.
A landmark housing law, $17.5B in nuclear loans, and a doubled SBA cap
130 loan systems, some from 1968, are becoming one. Plus student loan changes, rural housing credit, and FY27 appropriations.
The average student loan defaulter is nearly 40
Lending.gov bill picks up traction
Bipartisan Lending.gov bill introduced in House and Senate
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A short, sharp read on federal credit every month.
WHY FEDERAL CREDIT MATTERS
The most powerful tools government has for opportunity are also its most fragmented.
Federal credit programs touch housing, small business, infrastructure, student finance, and disaster relief. But outdated technology and inconsistent data definitions create bottlenecks, higher costs, and borrower confusion.
We believe modern, coordinated, data-driven systems can make credit easier to access, more predictable to manage, and more secure for taxpayers.
$5T+
Total federal credit exposure
130+
Active credit programs
20
Federal agencies
SPONSORS & PARTNERS
Backed by organizations committed to modern federal lending.
The Center for USA Lending’s mission is supported by partners that contribute funding, domain expertise, technological insight, and community engagement.
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