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

This bill is formally titled the Tribal Trust Land Homeownership Act of 2025. The Act requires the Bureau of Indian Affairs to process and complete mortgage packages associated with residential and business mortgages on Indian land by certain deadlines.

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. “Applicable Bureau office” refers to a Regional office, Agency office, or Land Titles and Records Office of the Bureau of Indian Affairs. “Bureau” is defined as the Bureau of Indian Affairs. “Director” refers to the Director of the Bureau. “First certified title status report” is a report verifying title status on Indian land. “Indian land” is defined by a reference to 25 CFR section 162.003. “Land mortgage” is a mortgage obtained by an individual Indian owning trust land for home acquisition, construction, improvements, or economic development. “Leasehold mortgage” refers to 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. “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?

This section establishes deadlines for the Bureau office review and processing of residential leasehold mortgages, business leasehold mortgages, land mortgages, and right-of-way documents. A preliminary review of mortgage documents must be completed within 10 calendar days of receipt to verify required documents. The Bureau office must notify the lender if required documents are missing within 2 calendar days. Approval or disapproval of leasehold mortgages and land mortgages must occur within 20 or 30 calendar days, respectively, after receiving complete documentation. Right-of-way documents also require approval or disapproval within 30 calendar days after receiving complete documentation. Certified title status reports must be completed within 10 calendar days after approval, or 14 days after a request. Notices regarding delays in review and processing must be provided to the party submitting the package and the lender. The Bureau must deliver certified title status reports to specified parties, including lenders, agencies, and potentially individuals or entities described in 25 CFR 150.303. Federal agencies and Indian Tribes will have read-only access to relevant land documents within TAAMS. The Director must submit an annual report to Congress detailing the number of requests processed and any missed deadlines, maintaining confidentiality of personally identifiable information. The Comptroller General will conduct a study on the need for digitizing Indian Tribe records to streamline mortgage package completion.

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

The Director establishes a Realty Ombudsman position within the Division of Real Estate Services The Realty Ombudsman reports directly to the Secretary of the Interior The Realty Ombudsman ensures Bureau offices meet mortgage review and processing deadlines The Realty Ombudsman serves as a liaison to other Federal agencies and facilitates communications The Realty Ombudsman receives inquiries and complaints from Indian Tribes, members, and lenders

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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)

This bill establishes deadlines for the Bureau of Indian Affairs to review and approve mortgage packages related to residential, business, and right-of-way documents on Indian land.
The bill creates a Realty Ombudsman within the Department of the Interior to monitor Bureau compliance with mortgage processing deadlines and facilitate communication between agencies.
The Bureau must provide annual reports to Congress detailing mortgage package processing statistics and any missed deadlines, while also undergoing a study to assess the need for digitizing tribal records.

119th CongressenactedHR. 2130(In Committee)Official page

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Includes provisions on preamble, <<note: 25 usc 5901 note.>> short title., and 3 more.

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