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

This Act requires the Bureau of Indian Affairs to process mortgage packages by certain deadlines The Act applies to residential and business mortgages on Indian land The Act has other purposes beyond mortgage package processing

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

This Act has a short title The short title is 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” refers to a Regional office, an Agency office, or a Land Titles and Records Office 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' is defined as an instrument pledging a leasehold interest as security for a debt. “Mortgage package” includes proposed residential leasehold mortgages, business leasehold mortgages, land mortgages, or right-of-way documents. “Right-of-way document” is defined by reference to section 169.2 of title 25, Code of Federal Regulations.

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

This section establishes deadlines for reviewing and processing residential leasehold mortgages, business leasehold mortgages, land mortgages, and right-of-way documents. Bureau offices must notify lenders upon receipt of these documents and conduct preliminary reviews within 10 calendar days. Approval or disapproval of leasehold mortgages must occur within 20 calendar days, while land and right-of-way documents require 30 calendar days after complete documentation. Certified title status reports must be completed within 10 calendar days of approval, or within 14 days of a request. The Bureau must provide notice of delays in processing and respond to inquiries within specified timeframes. First and subsequent certified title status reports are to be delivered to lenders, relevant agencies, and potentially other parties as specified. Federal agencies and Indian Tribes are granted read-only access to relevant land documents within TAAMS. An annual report detailing processing statistics and reasons for missed deadlines is required. A GAO study will evaluate the need for digitizing tribal records to expedite mortgage package completion and estimate associated costs.

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. The Ombudsman must ensure compliance with notices related to mortgage processing. The Ombudsman will act as a liaison to other Federal agencies to facilitate communication regarding mortgages on Indian land. The Ombudsman will receive inquiries, questions, and complaints from Indian Tribes, tribal members, and lenders. The Ombudsman will serve as an intermediary between these parties and the Bureau to resolve issues.

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Tribal Trust Land Homeownership Act of 2025

Last updated: 5/4/2026 · Introduced: 2/25/2025

Author: John Thune (R-SD)

TL;DR (AI)

The bill requires the Bureau of Indian Affairs to process mortgage packages for residential and business mortgages on Indian land within specific deadlines.
The bill establishes a Realty Ombudsman position to ensure Bureau offices meet mortgage review and processing deadlines and to serve as a liaison to other Federal agencies.
The bill provides for increased transparency and accountability through annual reports on processing statistics and a GAO study on the need for digitizing mortgage packages.

119th CongressenactedHR. 2130(In Committee)Official page

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Other Sections

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

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