S. 723 Became law · Public Law 119-88 Native Americans

Tribal Trust Land Homeownership Act of 2025

A bill to require the Bureau of Indian Affairs to process and complete all mortgage packages associated with residential and business mortgages on Indian land by certain deadlines, and for other purposes.

  1. Introduced
  2. Committee
  3. Passed Senate
  4. Passed House
  5. To President
  6. Became law
Sponsor Sen. Thune, John [R-SD] Introduced February 25, 2025 Cosponsors 3 (2 R, 1 D) Latest action May 4, 2026

Summary

Tribal Trust Land Homeownership Act of 2025
This act sets forth requirements for the processing of a proposed residential leasehold mortgage, business leasehold mortgage, land mortgage, or right-of-way document by the Bureau of Indian Affairs (BIA). The BIA must notify lenders upon receipt of such documentation, perform a preliminary review of such documents not later than 10 days after receipt, and approve or disapprove of such documents within 20 or 30 days, depending on the type of application.
Additionally, the act sets forth requirements for the BIA regarding (1) response times for the completion of certified title status reports, (2) notification of delays in processing, and (3) the form of notices and delivery of certain reports.
The act also provides relevant federal agencies and Indian tribes with read-only access to the Trust Asset and Accounting Management System maintained by the BIA.
The Government Accountability Office must report on digitizing documents for the purpose of streamlining and expediting the completion of mortgage packages for residential mortgages on Indian land.
Finally, the act establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Roll-call votes

Actions

  1. May 4, 2026 Became Public Law No: 119-88.
  2. May 4, 2026 Signed by President.
  3. Apr 27, 2026 Presented to President.
  4. Mar 4, 2026 Motion to reconsider laid on the table Agreed to without objection.
  5. Mar 4, 2026 On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 384 - 40 (Roll no. 81).
  6. Mar 4, 2026 Considered as unfinished business. (consideration: CR H2390)
  7. Mar 3, 2026 At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
  8. Mar 3, 2026 DEBATE - The House proceeded with forty minutes of debate on S. 723.
  9. Mar 3, 2026 Considered under suspension of the rules. (consideration: CR H2359-2362; text: CR H2359-2361)
  10. Mar 3, 2026 Mr. Westerman moved to suspend the rules and pass the bill.
  11. Dec 15, 2025 Held at the desk.
  12. Dec 15, 2025 Received in the House.

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