All Roll Calls
Yes: 384 • No: 40
119-s-723119th CongressWALLET
Tribal Trust Land Homeownership Act of 2025
Sponsored By: Senator Thune, John [R-SD]
Became Law
Summary
speed up and standardize mortgage processing on Indian trust land. This law creates a Bureau of Indian Affairs framework that sets calendar-day deadlines, requires written notices and direct delivery of title reports, gives tribes and relevant agencies read-only access to the Trust Asset and Accounting Management System (TAAMS), and establishes a Realty Ombudsman to handle inquiries and disputes.
Show full summary
- Families and tribal homeowners: Home loans and leasehold mortgages should close faster and more predictably because the Bureau must complete a preliminary review within 10 days and decide on complete mortgage packages within 20 days.
- Lenders and federal guarantors: Lenders and agencies such as the U.S. Department of Agriculture, the Department of Housing and Urban Development, and the Department of Veterans Affairs get direct delivery of certified title status reports and the first certified title status report must be completed within 14 days of request.
- Tribes and Bureau operations: The Realty Ombudsman enforces deadlines, takes complaints, and serves as a liaison to tribes and agencies. The Director must file annual reports on processing performance and the Comptroller General must study digitization needs and costs within 1 year.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
New ombudsman for tribal land mortgages
The law creates a Realty Ombudsman at the Bureau of Indian Affairs. You, your Tribe, or your lender can contact the Ombudsman about executed residential leasehold, business leasehold, or land mortgages, and right-of-way documents on trust land. The Ombudsman enforces BIA review deadlines and required notices, and pushes for quick answers. It also works with USDA, HUD, and VA to resolve issues. This role is in effect now.
Sponsors & CoSponsors
Sponsor
Thune, John [R-SD]
SD • R
Cosponsors
Sen. Smith, Tina [D-MN]
MN • D
Sponsored 2/25/2025
Sen. Rounds, Mike [R-SD]
SD • R
Sponsored 2/25/2025
Sen. Cramer, Kevin [R-ND]
ND • R
Sponsored 9/16/2025
Roll Call Votes
house vote • 3/4/2026
On Motion to Suspend the Rules and Pass
Yes: 384 • No: 40