S. 723 · 119th Congress · Public Law 119-88
Tribal Trust Land Homeownership Act of 2025
4 sections in the law, all of them in the bill as introduced.
Signed May 4, 2026 · Introduced February 25, 2025 in the Senate
Sponsor: Sen. John Thune (R-SD) · 3 cosponsors (1 D, 2 R)
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Official title
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.
Official summary (Congressional Research Service) · as public law
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.
How it became law
- IntroducedFeb 25
- CommitteeMar 5
- HouseMar 4
- SenateDec 11
- SignedMay 4
As introduced: 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.
Key steps, cosponsors and text changes (14)
Sponsor
Original cosponsors
SenateIntroduced in Senate
- Text: Introduced in Senate
4 sections
SenateCommittee on Indian Affairs. Ordered to be reported without amendment favorably.
- Text: Reported to Senate
4 sections, no changes
Cosponsor joined
SenatePassed Senate without amendment by Unanimous Consent. (consideration: CR S8689-8691; text: CR S8689-8691)
- Text: Engrossed in Senate
4 sections, no changes
HouseOn motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 384 - 40 (Roll no. 81).
HousePresented to President.
- Text: Enrolled Bill
4 sections, no changes
Became Public Law No: 119-88.
Signed by President.
Show every recorded step (24)
Sponsor
Original cosponsors
SenateRead twice and referred to the Committee on Indian Affairs. (text: CR S1350-1352)
SenateIntroduced in Senate
- Text: Introduced in Senate
4 sections
SenateCommittee on Indian Affairs. Ordered to be reported without amendment favorably.
SenatePlaced on Senate Legislative Calendar under General Orders. Calendar No. 148.
SenateCommittee on Indian Affairs. Reported by Senator Murkowski without amendment. With written report No. 119-60.
- Text: Reported to Senate
4 sections, no changes
Cosponsor joined
SenateStar Print ordered on 119-60.
SenatePassed Senate without amendment by Unanimous Consent. (consideration: CR S8689-8691; text: CR S8689-8691)
- Text: Engrossed in Senate
4 sections, no changes
HouseReceived in the House.
HouseAt 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.
HouseDEBATE - The House proceeded with forty minutes of debate on S. 723.
HouseConsidered under suspension of the rules. (consideration: CR H2359-2362; text: CR H2359-2361)
HouseMr. Westerman moved to suspend the rules and pass the bill.
HouseOn motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 384 - 40 (Roll no. 81).
HouseConsidered as unfinished business. (consideration: CR H2390)
HousePresented to President.
- Text: Enrolled Bill
4 sections, no changes
Became Public Law No: 119-88.
Signed by President.
Source: GovInfo bill status and text versions. 3 cosponsors.
Every section
All 4 sections, in order
From the enrolled bill text on GovInfo. Read any section in full on Congress.gov.
- Sec. 1Short title
- Sec. 2Definitions
- Sec. 3Mortgage review and processing
- Sec. 4Establishment of Realty Ombudsman position
Sponsor and cosponsors
Show all 4 members, by last name
Sponsor: Sen. John Thune (R-SD)
- Sen. Kevin Cramer (R-ND)
- Sen. Mike Rounds (R-SD)
- Sen. Tina Smith (D-MN)
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Sources: bill text and status, GovInfo (Enrolled Bill) · Official summary, Congressional Research Service · Congress.gov, as of November 1, 2026. US government works are in the public domain · This bill on Congress.gov (opens in new tab)