# 119-hr-2130: Tribal Trust Land Homeownership Act of 2025

119-hr-2130, Tribal Trust Land Homeownership Act of 2025, is a 119th Congress bill sponsored by Rep. Johnson, Dusty [R-SD-At Large] (R-SD); status in_committee; PRIA reads it as touching household money (as of 2026-07-25).

- Canonical: https://policyrisk.com/legislation/119-hr-2130
- As of: 2026-07-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2130
- Congress: 119
- Title: Tribal Trust Land Homeownership Act of 2025
- Status: in_committee
- Introduced: 2025-03-14
- Sponsor: Rep. Johnson, Dusty [R-SD-At Large] (R-SD)
- Cosponsors: 7
- Policy area: Native Americans
- Touches household money: yes
- Last recorded action: 2026-07-25

## Summary

**Creates a deadline-driven, digitization-enabled system for mortgage review and title reporting on Indian land.** It sets processing timeframes, standardizes electronic notices and certified title-status reports, and creates a Realty Ombudsman to monitor compliance and help resolve disputes. - Tribes and tribal members gain clearer access to land records and a formal channel for questions and complaints. Read-only access to the Tribal Asset Asset Management System (TAAMS) helps track mortgage and right-of-way documents. - Lenders receive certified title status reports and standardized mortgage packages, plus electronic and mail delivery of notices with an opt-out for electronic delivery. The standardized deadlines aim to reduce uncertainty in loan closings. - The Bureau of Indian Affairs must create a Realty Ombudsman, provide a mandatory point of contact for mortgage matters, coordinate with other Federal agencies, and report annually on missed deadlines and processing performance. The bill also requires a Government Accountability Office study on digitization needs and cost implications within one year. *Requires regular reporting to Congress and a GAO study to assess digitization needs and cost implications.*

## Cosponsors (7)

- Rep. Zinke, Ryan K. [R-MT-1] (R-MT), 2025-03-14T00:00:00.000Z
- Rep. Cole, Tom [R-OK-4] (R-OK), 2025-03-14T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-03-14T00:00:00.000Z
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2025-03-21T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2026-02-10T00:00:00.000Z
- Rep. Downing, Troy [R-MT-2] (R-MT), 2026-02-11T00:00:00.000Z
- Rep. Fedorchak, Julie [R-ND-At Large] (R-ND), 2026-02-17T00:00:00.000Z

## Provisions PRIA read

- Faster mortgage processing on Indian land: benefit, medium. If enacted, the bill would make mortgage and right-of-way processing on Indian trust land faster and more transparent. It would require Bureau offices to approve or deny complete residential or business leasehold mortgages within 20 calendar days (except for Indian tribes approved for leasing under…
- New Realty Ombudsman for mortgages: benefit, low. If enacted, the Bureau of Indian Affairs would create a Realty Ombudsman in its Division of Real Estate Services who reports to the Secretary of the Interior. The Ombudsman would monitor whether Bureau offices meet the new mortgage review and notice deadlines, ensure required notices are sent, and…

## Related bills

- 119-hr-7148: Consolidated Appropriations Act, 2026
- 119-hr-9250: Great American Outdoors Act 250
- 119-hr-2102: Major Richard Star Act
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-5371: Continuing Appropriations, Agriculture, Legislative Branch, Military Construction and Veterans Affairs, and Extensions Act, 2026
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025

## Sources
- [119-hr-2130 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2130)

## Related
- [119-hr-7148: Consolidated Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7148)
- [119-hr-9250: Great American Outdoors Act 250](https://policyrisk.com/legislation/119-hr-9250)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-5371: Continuing Appropriations, Agriculture, Legislative Branch, Military Constructi…](https://policyrisk.com/legislation/119-hr-5371)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2130 (as of 2026-07-25).