II 116th CONGRESS 1st Session S. 2138 IN THE SENATE OF THE UNITED STATES July 17, 2019 Mr. Cardin introduced the following bill; which was read twice and referred to the Committee on Small Business and Entrepreneurship A BILL To waive participant fees on small-dollar and veteran Express loans in the largest loan program of the Small Business Administration to close the capital gap for underserved business owners, and for other purposes.