Small Business Tax Cut Act

Full Title:
Small Business Tax Cut Act

Summary#

This bill would change the tax deduction for qualified business income (QBI). It raises the QBI deduction rate from 20 percent to 23 percent. It adds “qualified BDC interest dividends” to the types of dividends treated like qualified REIT dividends for the deduction. The bill defines a qualified BDC interest dividend as a dividend from an electing business development company that is attributable to the company’s net interest income and allocable to a qualified trade or business. It changes how limits on the deduction are phased in when a taxpayer’s taxable income exceeds the law’s threshold by setting the “limitation phase-in amount” equal to 75 percent of the excess of taxable income over the threshold. The bill makes a conforming amendment by striking a paragraph in section 199A(d). It also updates an inflation-adjustment reference year (changing 2018 to 2025 and adjusting a calendar-year substitution). The changes apply to taxable years beginning after December 31, 2026.

What it means for you#

  • If you report qualified business income, the statutory deduction rate used in the QBI calculation would be 23% instead of 20%.
  • If you receive certain dividends from an electing business development company (a BDC that has elected treatment like a regulated investment company), those dividends could be treated as eligible for the QBI deduction when they come from net interest income allocated to a qualified trade or business.
  • If your taxable income is above the law’s threshold, the formula that phases in limits on the deduction would use a new 75% calculation to determine the reduction.
  • These changes take effect for tax years beginning after December 31, 2026.

Expenses#

No publicly available information about the bill’s expected effects on federal revenues, deficits, or other budgetary costs is included in the bill text.

Proponents' View#

No publicly available information in the bill text describing supporters’ stated reasons or expected benefits.

Opponents' View#

No publicly available information in the bill text describing opponents’ stated concerns or objections.