Relating To Economic Development.
Last status update Jul 7, 2026
What this measure contains
Establishes the Hawaii Micro-Lending Credit Enhancement Program within the Department of Business, Economic Development, and Tourism to expand micro-lending capacity by providing statefunded loan loss reserves or other credit enhancement that absorbs first losses on qualified micro-loans made by participating lenders to Hawaii small businesses. Allows borrower fees and state matching contributions to capitalize lender-held loan loss reserve accounts. Establishes the Hawaii Micro-Lending Credit Enhancement Special Fund. Requires annual reports to the Legislature. Appropriates funds out of the Special Fund. (CD1)
Source summary of the imported measure. Amendments can change the wording; read a specific version for its complete provisions.
Read the full bill at its source ↗Bill text and versions
Drafts can change as a measure moves through the Legislature. Check the version attached to a recorded vote.
- Introduced · Official document ↗· Jan 28, 2026
- Amended · Official document ↗· Feb 17, 2026
- Amended · Official document ↗· Mar 23, 2026
- Amended · Official document ↗· May 2, 2026
Related measures
- SB3165— Same As
Related measures may contain different language or follow different histories.
Legislative path
Each stage below is a recorded decision from the official measure history, attached to the draft it considered. A member's row follows their votes from the first draft to the latest, and a highlighted vote marks where it changed. Committee and conference votes list every member by name. Floor votes list only exceptions; members serving that day who aren't named are shown as ayes in a dashed outline.
- Introduced
- HD1by ECD
- SD1by EDT
- CD1by Conference
Companion measure: SB3165. A companion follows its own path; its votes are not combined with this one.
Decision stages
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House ECD committee on the introduced draft: Passed, with amendments, reported as HD1
7 aye · 0 no · 0 excused
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House second reading on HD1: Passed
50 aye · 0 no · 0 excused
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House FIN committee on HD1: Passed, unamended
16 aye · 0 no · 0 excused
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House third reading on HD1: Passed
48 aye · 1 aye with reservations · 0 no · 1 excused
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Economic Development and Technology (EDT) on HD1: Passed, with amendments, reported as SD1
3 aye · 0 no · 2 excused · Source roll call
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Ways and Means (WAM) on SD1: Passed, unamended
11 aye · 0 no · 2 excused · Source roll call
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Commerce and Consumer Protection (CPN) on SD1: Passed, unamended
4 aye · 0 no · 1 excused · Source roll call
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Senate third reading on SD1: Passed
25 aye · 0 no · 0 excused
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Senate conference managers on SD1: Passed, with amendments, reported as CD1
3 aye · 0 no · 1 excused · Source roll call
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House conference managers on SD1: Passed, with amendments, reported as CD1
4 aye · 0 no · 0 excused · Source roll call
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House final reading on CD1: Passed
51 aye · 0 no · 0 excused
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Senate final reading on CD1: Passed
25 aye · 0 no · 0 excused
Senate members along the path
| Member | EDT HD1 | WAM SD1 | CPN SD1 | Third reading SD1 | Conference SD1 | Final reading CD1 | Change along the path |
|---|---|---|---|---|---|---|---|
| Brenton AwaSD-023 | Excused | Aye | Aye | ||||
| Lynn DecoiteSD-007 | Aye | Aye | Aye | Aye | Aye | ||
| Donovan CruzSD-017 | Aye | Aye | Aye | ||||
| Brandon ElefanteSD-016 | Aye | Aye | Aye | ||||
| Kurt FevellaSD-020 | Excused | Aye | Aye | Excused | Aye | ||
| Carol FukunagaSD-011 | Aye | Aye | Aye | Aye | |||
| Troy HashimotoSD-005 | Aye | Aye | Aye | ||||
| Lorraine InouyeSD-001 | Aye | Aye | Aye | ||||
| Dru KanuhaSD-003 | Aye | Aye | Aye | ||||
| Jarrett KeohokaloleSD-024 | Aye | Aye | Aye | ||||
| Michelle KidaniSD-018 | Aye | Aye | Aye | ||||
| Donna KimSD-014 | Excused | Aye | Aye | Aye | |||
| Rachele Fernandez LamosaoSD-019 | Aye | Aye | Aye | Aye | |||
| Chris LeeSD-025 | Excused | Aye | Aye | ||||
| Angus McKelveySD-006 | Aye | Aye | Aye | ||||
| Sharon MoriwakiSD-012 | Aye | Aye | Aye | ||||
| Tim RichardsSD-004 | Excused | Aye | Aye | ||||
| Glenn WakaiSD-015 | Aye | Aye | Aye | Aye | Aye |
7 more Senate members only counted as floor ayes
| Member | EDT HD1 | WAM SD1 | CPN SD1 | Third reading SD1 | Conference SD1 | Final reading CD1 | Change along the path |
|---|---|---|---|---|---|---|---|
| Stanley ChangSD-009 | Aye | Aye | |||||
| Samantha DeCorteSD-022 | Aye | Aye | |||||
| Mike GabbardSD-021 | Aye | Aye | |||||
| Les IharaSD-010 | Aye | Aye | |||||
| Ronald KouchiSD-008 | Aye | Aye | |||||
| Karl RhoadsSD-013 | Aye | Aye | |||||
| Joy San BuenaventuraSD-002 | Aye | Aye |
House members along the path
| Member | ECD Introduced | Second reading HD1 | FIN HD1 | Third reading HD1 | Conference SD1 | Final reading CD1 | Change along the path |
|---|---|---|---|---|---|---|---|
| David AlcosHD-041 | Aye | Aye | Aye | Aye | |||
| Joe GedeonHD-018 | Aye | Aye | Aye | Aye | Aye | Aye | |
| Daisy HartsfieldHD-036 | Aye | Aye | Aye | Aye | |||
| Daniel HoltHD-028 | Aye | ||||||
| Ikaika HusseyHD-029 | Aye | Aye | Aye | Aye | Aye | Aye | |
| Greggor IlaganHD-004 | Aye | Aye | Aye | Aye | Aye | ||
| Kim IwamotoHD-025 | Aye | Aye* | Aye | Added reservations at House third reading (HD1)Dropped reservations at House final reading (CD1) | |||
| Sue Keohokapu-Lee LoyHD-002 | Aye | Aye | Aye | Aye | |||
| Lisa KitagawaHD-048 | Aye | Aye | Aye | Aye | |||
| Matthias KuschHD-001 | Aye | Aye | Aye | Aye | |||
| Mike LeeHD-050 | Aye | Aye | Aye | Aye | |||
| Tyson MiyakeHD-010 | Aye | Aye | Aye | Aye | |||
| Daynette MorikawaHD-017 | Aye | Aye | Aye | Aye | |||
| Amy PerrusoHD-046 | Aye | Aye | Excused | Aye | |||
| Julie Reyes OdaHD-040 | Aye | Aye | Aye | Aye | |||
| Jenna TakenouchiHD-027 | Aye | Aye | Aye | Aye | |||
| Adrian TamHD-024 | Aye | Aye | Aye | Aye | Aye | ||
| Shirley Ann TemploHD-030 | Aye | Aye | Aye | Aye | Aye | ||
| Chris ToddHD-003 | Aye | Aye | Aye | Aye | |||
| Kyle YamashitaHD-012 | Aye | Aye | Aye | Aye | Aye |
32 more House members only counted as floor ayes
| Member | ECD Introduced | Second reading HD1 | FIN HD1 | Third reading HD1 | Conference SD1 | Final reading CD1 | Change along the path |
|---|---|---|---|---|---|---|---|
| Terez AmatoHD-011 | Aye | Aye | Aye | ||||
| Della au BelattiHD-026 | Aye | Aye | Aye | ||||
| Cory ChunHD-035 | Aye | Aye | Aye | ||||
| Elle CochranHD-014 | Aye | Aye | Aye | ||||
| Luke EvslinHD-016 | Aye | Aye | Aye | ||||
| Diamond GarciaHD-042 | Aye | Aye | Aye | ||||
| Andrew GarrettHD-022 | Aye | Aye | Aye | ||||
| Tina GrandinettiHD-020 | Aye | Aye | Aye | ||||
| Mark HashemHD-019 | Aye | Aye | Aye | ||||
| Linda IchiyamaHD-031 | Aye | Aye | Aye | ||||
| Kirstin KahaloaHD-006 | Aye | Aye | Aye | ||||
| Jeanne KapelaHD-005 | Aye | Aye | Aye | ||||
| Darius KilaHD-044 | Aye | Aye | Aye | ||||
| Sam KongHD-033 | Aye | Aye | Aye | ||||
| Trish La ChicaHD-037 | Aye | Aye | Aye | ||||
| Nicole LowenHD-007 | Aye | Aye | Aye | ||||
| Lisa MartenHD-051 | Aye | Aye | Aye | ||||
| Scot MatayoshiHD-049 | Aye | Aye | Aye | ||||
| Lauren MatsumotoHD-038 | Aye | Aye | Aye | ||||
| Chris MuraokaHD-045 | Aye | Aye | Aye | ||||
| Nadine NakamuraHD-015 | Aye | Aye | Aye | ||||
| Ikaika OldsHD-023 | Aye | Aye | Aye | ||||
| Elijah PierickHD-039 | Aye | Aye | Aye | ||||
| Mahina PoepoeHD-013 | Aye | Aye | Aye | ||||
| Sean QuinlanHD-047 | Aye | Aye | Aye | ||||
| Michael RatcliffeHD-028 | Aye | ||||||
| Jackson SayamaHD-021 | Aye | Aye | Aye | ||||
| Garner ShimizuHD-032 | Aye | Aye | Aye | ||||
| Kanani SouzaHD-043 | Aye | Aye | Aye | ||||
| Gregg TakayamaHD-034 | Aye | Aye | Aye | ||||
| David TarnasHD-008 | Aye | Aye | Aye | ||||
| Justin WoodsonHD-009 | Aye | Aye | Aye |
Aye named · Aye* with reservations · Aye floor vote, not named as an exception · No · Excused · Changed reversed from the previous vote
Names are matched to legislators only when exactly one person fits; every printed name on this measure was matched. A missing vote means no record was found for that member at that stage, not a no vote. Committee codes follow the Legislature's abbreviations.Official measure history ↗
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Legislative history
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Introduced and Pass First Reading.
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Referred to ECD, FIN, referral sheet 6
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Bill scheduled to be heard by ECD on Friday, 02-13-26 8:30AM in House conference room 423 VIA VIDEOCONFERENCE.
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The committee on ECD recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 7 Ayes: Representative(s) Ilagan, Hussey, Holt, Tam, Templo, Yamashita, Gedeon; Ayes with reservations: none; Noes: none; and Excused: none.
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Reported from ECD (Stand. Com. Rep. No. 424-26) as amended in HD 1, recommending passage on Second Reading and referral to FIN.
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Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN with none voting aye with reservations; none voting no (0) and none excused (0).
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Bill scheduled to be heard by FIN on Monday, 03-02-26 2:00PM in House conference room 308 VIA VIDEOCONFERENCE.
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The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes were as follows: 16 Ayes: Representative(s) Todd, Takenouchi, Hartsfield, Hussey, Keohokapu-Lee Loy, Kitagawa, Kusch, Lee, M., Miyake, Morikawa, Perruso, Templo, Yamashita, Alcos, Gedeon, Reyes Oda; Ayes with reservations: none; Noes: none; and Excused: none.
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Reported from FIN (Stand. Com. Rep. No. 773-26), recommending passage on Third Reading.
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Passed Third Reading with Representative(s) Iwamoto voting aye with reservations; none voting no (0) and Representative(s) Perruso excused (1). Transmitted to Senate.
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Received from House (Hse. Com. No. 120).
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Passed First Reading.
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Referred to EDT, WAM/CPN.
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The committee(s) on EDT has scheduled a public hearing on 03-17-26 1:00PM; Conference Room 229 & Videoconference.
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The committee(s) on EDT recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in EDT were as follows: 3 Aye(s): Senator(s) DeCoite, Wakai, Fukunaga; Aye(s) with reservations: none ; 0 No(es): none; and 2 Excused: Senator(s) Kim, Fevella.
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Reported from EDT (Stand. Com. Rep. No. 3145) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM/CPN.
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Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM/CPN.
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The committee(s) on WAM/CPN will hold a public decision making on 04-07-26 10:30AM; Conference Room 211 & Videoconference.
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The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. The votes in WAM were as follows: 11 Aye(s): Senator(s) Dela Cruz, Moriwaki, DeCoite, Elefante, Hashimoto, Inouye, Kanuha, Kidani, Kim, Wakai, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 2 Excused: Senator(s) Lee, C., Richards.
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The committee(s) on CPN recommend(s) that the measure be PASSED, UNAMENDED. The votes in CPN were as follows: 4 Aye(s): Senator(s) Keohokalole, Fukunaga, Lamosao, McKelvey; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Awa.
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Reported from WAM/CPN (Stand. Com. Rep. No. 3737) with recommendation of passage on Third Reading.
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One Day Notice 04-14-26.
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Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.
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Returned from Senate (Sen. Com. No. 706) in amended form (SD 1).
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House disagrees with Senate amendment (s).
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Received notice of disagreement (Hse. Com. No. 780).
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House Conferees Appointed: Ilagan, Hussey Co-Chairs; Tam, Gedeon.
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Received notice of appointment of House conferees (Hse. Com. No. 786).
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Senate Conferees Appointed: DeCoite Chair; Wakai, Lamosao Co-Chairs; Fevella.
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Received notice of Senate conferees (Sen. Com. No. 725).
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Bill scheduled for Conference Committee Meeting on Thursday, 04-30-26 8:30AM in conference room 411.
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Conference Committee Meeting will reconvene on Friday 05-01-26 8:01AM in conference room 411.
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Conference Committee Meeting will reconvene on Friday, 05-01-26 at 11:30AM in Conference Room 411.
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Conference Committee Meeting will reconvene on Friday, 05-01-26 at 4:31PM in Conference Room 411.
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Conference committee meeting to reconvene on 05-01-26 5:37 PM; Conference Room 329.
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Conference committee meeting to reconvene on 05-01-26 5:40 PM; Conference Room 309.
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The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) DeCoite, Wakai, Lamosao; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Fevella.
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The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 4 Ayes: Representative(s) Ilagan, Hussey, Tam, Gedeon; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
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Reported from Conference Committee (Conf Com. Rep. No. 188-26) as amended in (CD 1).
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Forty-eight (48) hours notice Wednesday, 05-06-26.
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Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 188-26).
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48 Hrs. Notice (as amended CD 1) 05-06-26
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Passed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).
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Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.
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Received notice of Final Reading (Sen. Com. No. 816).
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Received notice of passage on Final Reading in House (Hse. Com. No. 888).
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Transmitted to Governor.
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Act 183, 07/06/2026 (Gov. Msg. No. 1285).
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Act 183, on 07/06/2026 (Gov. Msg. No. 1285).