What does Preamble of Tribal Trust Land Homeownership Act of 2025 do?

This bill, formally titled '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,' aims to direct the Bureau of Indian Affairs to process and complete mortgage packages on Indian land. The bill's purpose is to establish deadlines for the Bureau of Indian Affairs to process these mortgage packages.

What does SHORT TITLE. of Tribal Trust Land Homeownership Act of 2025 do?

This bill is formally titled the Tribal Trust Land Homeownership Act of 2025

What does DEFINITIONS. of Tribal Trust Land Homeownership Act of 2025 do?

This section defines terms used throughout the Act. The term 'Bureau' is defined as the Bureau of Indian Affairs. “Applicable Bureau office” includes Regional, Agency, and Land Titles and Records Offices of the Bureau. “Indian land” is defined by reference to section 162.003 of title 25, Code of Federal Regulations. A 'land mortgage' is defined as a mortgage obtained by an individual Indian owning trust land for home acquisition, construction, improvements, or economic development. A 'leasehold mortgage' refers to an instrument pledging a leasehold interest as security for a debt. The term 'mortgage package' encompasses proposed residential leasehold mortgages, business leasehold mortgages, land mortgages, and right-of-way documents. “Relevant federal agency” includes the Department of Agriculture, Housing and Urban Development, and Veterans Affairs.

What does MORTGAGE REVIEW AND PROCESSING. of Tribal Trust Land Homeownership Act of 2025 do?

The applicable Bureau office shall notify the lender of receipt of a proposed mortgage or right-of-way document as soon as practicable. A preliminary review of the mortgage or right-of-way document shall be conducted within 10 calendar days of receipt. The applicable Bureau office shall approve or disapprove a mortgage or right-of-way document within 20-30 calendar days of receipt of a complete package. Notices of delay in review and processing shall be provided to the party that submitted the mortgage package and the lender. The Director shall submit an annual report to Congress describing the number of requests received and the length of time needed to provide notices.

What does ESTABLISHMENT OF REALTY OMBUDSMAN POSITION. of Tribal Trust Land Homeownership Act of 2025 do?

This section establishes a Realty Ombudsman position within the Division of Real Estate Services of the Bureau. The Realty Ombudsman reports directly to the Secretary of the Interior. The Ombudsman's functions include ensuring Bureau offices meet mortgage review and processing deadlines established in section 3(a). The Ombudsman must ensure Bureau offices comply with notices required under sections 3(a) and 3(b). The Ombudsman will serve as a liaison to other Federal agencies, facilitating communication regarding mortgages on Indian land. The Ombudsman will receive inquiries, questions, and complaints from Indian Tribes, tribal members, and lenders regarding various mortgage types. The Ombudsman will act as an intermediary between these parties and the Bureau to resolve inquiries and complaints.

Back to bills

Tribal Trust Land Homeownership Act of 2025

Last updated: 2/23/2026 · Introduced: 3/14/2025

Author: Dusty Johnson (R-SD)

TL;DR (AI)

The Bureau of Indian Affairs is required to process and complete mortgage packages associated with residential and business mortgages on Indian land within specific deadlines.
A Realty Ombudsman position is established within the Division of Real Estate Services of the Bureau to ensure compliance with mortgage review and processing deadlines and to serve as a liaison to other federal agencies.
The Bureau must provide notices of receipt, preliminary review, and approval or disapproval of mortgage packages, as well as notices of delay in review and processing, to the relevant parties.

119th Congressin committeeS. 723(Signed into Law)Official page

Verified Votes

No verified votes yet.

Community Votes

No community votes yet. Be the first!

Voting as guest · Sign in for verified votes

Other Sections

Includes provisions on preamble, short title., and 3 more.

5 sections

Click "Show details" to explore individual sections. Use the community vote above or visit All Sections to vote per section.

Read official text

Want the full experience?

Create a free account to cast verified votes on each section, get a personalized summary, and track your voting history.

Create Free Account