Fetching FY2025 File B line items, totals and analysis from the backend.
Fetching FY2025 File B line items, totals and analysis from the backend.
The Commerce and Housing Credit category encompasses federal programs designed to stimulate economic activity, promote business growth, and ensure the availability of housing. Its public purpose is to foster a stable and dynamic economy by providing financial tools, credit, and support to businesses and individuals, particularly in areas where private markets may be insufficient or underdeveloped. Success is defined by robust job creation, increased business investment, access to affordable housing, and overall economic resilience. Key agencies involved include the Department of Commerce (e.g., Minority Business Development Agency, Economic Development Administration) and various housing-related entities such as the Department of Housing and Urban Development (HUD) and government-sponsored enterprises like Fannie Mae and Freddie Mac, as well as credit programs within the Small Business Administration (SBA). Major program streams include business loans and guarantees, housing finance, mortgage insurance, and economic development grants.
The problem
Do government loans and guarantees hide losses or support costs behind repayments? The FY2025 United States expenditure records show the money recorded, but not whether people received good service. This question needs checking; a specific failure has not been confirmed here.
The solution
Show loans issued, repayments, missed payments and public support separately. Fix documented lending and collection errors, and compare losses for loans issued in the same year. How this helps: Residents can see the real cost of helping borrowers and whether problems are being corrected. Protect people: Keep essential services safe and accessible. Test changes before expanding them, and reverse changes that harm access or shift costs to residents. Measure success: missed repayments, confirmed loan losses and government support costs.
Supports commercial and housing credit programs. Loans, guarantees, subsidies and repayments have different roles in helping eligible borrowers obtain financing.
How to read it: Tap a row to open what's inside. Colours match the chart above, and each row's share is its part of the row it sits under.
| Where it went | Gross outlays | Share | Action |
|---|---|---|---|
| $54.6B83.2% | 83.2% | ||
| $6.4B9.8% | 9.8% | ||
| $4.6B7.0% | 7.0% |
From tracking spending to demanding receipts
Today’s reporting can show spending without a complete trail to the final recipient or proof of delivery. Help close those gaps, strengthen checks before payment, and reduce opportunities for fraud and abuse.
Support the Receipts & Transparency Act →Read the citizen proposal and add your support.
