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SmallBiz Recon™ COVID EIDL

Compliance & Violation Survival Guide

Last Updated: January 30, 2026 | Source: SBA SOP 50 52 2

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Key Topics

Loan Agreement (LA&A)

Your Loan Authorization and Agreement (LA&A) is a binding contract. Failure to comply with its terms, even if payments are current, is a non-monetary default that can trigger severe collection actions.

action

You can download your LA&A from the MySBA Loan Portal.

When to Contact

When to Contact the SBA

Selling business equipment

CONTACT FIRST

Changing ownership

CONTACT FIRST

Closing the business

CONTACT FIRST

SBA requests documents

CONTACT FIRST

Unsure about lien status

CONTACT FIRST

Need payment assistance

CONTACT FIRST

Key Resources

Loan Servicing & Payment Assistance:

CovidEIDLServicing@sba.gov

MySBA Loan Portal:

lending.sba.gov

Scam & Fraud Warning

The SBA does not use third-party negotiators and COVID EIDL loans are not forgivable. Be wary of anyone claiming otherwise. Report fraud to the SBA OIG.

Working from:SBA SOP 50 52 2 — COVID EIDL ServicingSBA Policy Notice 5000-857729 (8/5/2024)SBA Policy Notice 5000-840468 — COVID EIDL Servicing & LiquidationU.S. Treasury Cross-Servicing GuidanceTreasury Financial Manual, Vol. I, Part 3, Ch. 5000TFM 5030.20 — Certify DebtTFM 5030.40b — Prerequisites to TransferTFM 5030.50a — Continued Validity & Enforceability of the DebtTFM 5030.50b — Defending Litigation & Notifying Fiscal ServiceTFM 5030.50c — Maintain RecordsTFM 5030.50d — Recall Transferred DebtTFM 5035.40 — Respond to Disputes & InquiriesTFM 5035.50 — Return Transferred DebtTreasury Cross-Servicing Debtor ResourcesTreasury Cross-Servicing Debtor Dispute Form31 C.F.R. § 285.12 — Transfer of Debts to Treasury for Collection31 C.F.R. § 285.5 — Treasury Offset Program31 C.F.R. § 285.11 — Administrative Wage GarnishmentFederal Claims Collection Standards (31 C.F.R. Parts 900–904)Debt Collection Improvement Act (31 U.S.C. §§ 3711, 3716)Fair Debt Collection Practices Act guidance

Working from:SBA SOP 50 52 2 — COVID EIDL ServicingSBA Policy Notice 5000-857729 (8/5/2024)SBA Policy Notice 5000-840468 — COVID EIDL Servicing & LiquidationU.S. Treasury Cross-Servicing GuidanceTreasury Financial Manual, Vol. I, Part 3, Ch. 5000TFM 5030.20 — Certify DebtTFM 5030.40b — Prerequisites to TransferTFM 5030.50a — Continued Validity & Enforceability of the DebtTFM 5030.50b — Defending Litigation & Notifying Fiscal ServiceTFM 5030.50c — Maintain RecordsTFM 5030.50d — Recall Transferred DebtTFM 5035.40 — Respond to Disputes & InquiriesTFM 5035.50 — Return Transferred DebtTreasury Cross-Servicing Debtor ResourcesTreasury Cross-Servicing Debtor Dispute Form31 C.F.R. § 285.12 — Transfer of Debts to Treasury for Collection31 C.F.R. § 285.5 — Treasury Offset Program31 C.F.R. § 285.11 — Administrative Wage GarnishmentFederal Claims Collection Standards (31 C.F.R. Parts 900–904)Debt Collection Improvement Act (31 U.S.C. §§ 3711, 3716)Fair Debt Collection Practices Act guidance