S3876-119

In Committee

SPARK Act

119th Congress Introduced Feb 12, 2026

Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.

Summary

What This Bill Does

This bill, SPARK Act, changes federal law or congressional policy affecting financial institutions, investors, and borrowers. The main policy domain is Finance, Labor, Government Operations.

Who Benefits and How

financial institutions, investors, and borrowers may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.

Who Bears the Burden and How

federal implementing agencies, financial institutions, investors, and borrowers may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.

Key Provisions

  • Section S1: 1. Short title This Act may be cited as the Strengthening Place-based Access, Resources, and Knowledge Act or the SPARK Act.
  • Section id7334064b54f1484d942d5377154926a9: 2. Findings Congress finds the following: Studies have found that incubators, accelerators, and other similar models are effective at increasing revenues, the...
  • Section id77ef2cff566f42c1ac450e95b931988b: 3. Purposes The purposes of the Spark Program established under section 49 of the Small Business Act, as amended by this Act, are to— spur economic growth in...
  • Section id6b17d34b669f4c55a82bea76deee1d77: 4. Spark Program The Small Business Act (15 U.S.C. 631 et seq.) is amended— by redesignating section 49 (15 U.S.C. 631 note) as section 51; and by inserting...
  • Section id25cd69a927c342d3b4bc1dd2bf676e88: 49. Spark Program In this section: The term accelerator means an organization— that— works with a startup or growing small business concern for a predetermined...

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.

At a Glance

What This Bill Does

This bill, SPARK Act, changes federal law or congressional policy affecting financial institutions, investors, and borrowers.

Key Policy Areas

Finance, Labor, Government Operations

Primary Purpose

This bill, SPARK Act, changes federal law or congressional policy affecting financial institutions, investors, and borrowers.

Policy Domains

Finance Labor Government Operations

Whole bill

Identified Gains
  • financial institutions, investors, and borrowers
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: is
financial institutions, investors, and borrowers: ,
Identified Costs
  • federal implementing agencies
  • financial institutions, investors, and borrowers
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: is
federal implementing agencies: ,
financial institutions, investors, and borrowers: ,

Legislative Progress

In Committee
Introduced Committee Passed
Feb 12, 2026

Read twice and referred to the Committee on Small Business …

Feb 12, 2026

Introduced in Senate

Feb 12, 2026

Mr. Markey (for himself, Ms. Hirono, and Mr. Booker) introduced …

Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Finance Labor Government Operations
Actor Mappings
"administrator_of_sba"
→ Administrator of the Small Business Administration
"secretary_of_housing_and_urban_development"
→ Secretary of Housing and Urban Development

Key Definitions

Terms defined in this bill

4 terms
"incubator" §id25cd69a927c342d3b4bc1dd2bf676e88

an organization— that— tends to work with startup and newly established small business concerns

"incubator" §id6b17d34b669f4c55a82bea76deee1d77

an organization— that— tends to work with startup and newly established small business concerns

"covered small business concern" §idABE9A16832A348ACA35F9858646FD005

a small business concern that is— owned by an individual that is a member of an underserved group described in section 49(c)(2)(E)

"covered small business concern" §idE07A564DDBA946CC99329A016E7943CC

a small business concern that is— owned by an individual that is a member of an underserved group described in section 49(c)(2)(E)

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology