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Community Disaster Loan (CDL) Program

The Community Disaster Loan Program is available to local governments that have been adversely affected by major disasters. The documents contained herein provide general information about eligibility and program implementation.

What Is CDL?

This program flyer provides a snapshot of the Community Disaster Loan Program, eligibility conditions, and implementation phases.

Community Disaster Loan Fact Sheet

The Community Disaster Loan Program is available to local governments that have been adversely affected by major disasters. The documents contained herein provide general information about eligibility and program implementation.

Community Disaster Loan (CDL) Implementation Process

The CDL Implementation Process occurs in three distinct phases:
1)Application
2)Maintenance
3)Cancellation
FEMA’s CDL Program Team will help potential applicants bridge the funding gap in order for local governments to continue providing municipal services after a substantial revenue loss due to a disaster.

Community Disaster Loan Cancellation

If a borrower can show they have a cumulative three-year operating deficit after a disaster and prove that deficit was due to a disaster-related loss in revenue, including unreimbursed disaster-related expenditures (UDRE), they can have all or part of the loan cancelled, along with the related interest.

Documentation Required to Begin Community Disaster Loan (CDL) Review Process

Last updated July 28, 2020