This bill sets new requirements in the loan programs of the Small Business Administration (SBA). It requires any SBA employee involved in originating, reviewing, or approving an SBA loan to certify in writing, before participating, that they have no prohibited conflicts of interest related to that loan. If a conflict arises after certification, the employee must immediately disclose it and recuse themselves from further involvement in the loan decision process. The SBA Administrator must issue implementing regulations within 180 days, and the certification requirement takes effect 270 days after enactment.