# 119-s-723: Tribal Trust Land Homeownership Act of 2025

119-s-723, Tribal Trust Land Homeownership Act of 2025, is a 119th Congress bill sponsored by Sen. Thune, John [R-SD] (R-SD); status became_law; PRIA reads it as touching household money (as of 2026-09-28).

- Canonical: https://policyrisk.com/legislation/119-s-723
- As of: 2026-09-28
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-723
- Congress: 119
- Title: Tribal Trust Land Homeownership Act of 2025
- Status: became_law
- Introduced: 2025-02-25
- Sponsor: Sen. Thune, John [R-SD] (R-SD)
- Cosponsors: 3
- Policy area: Native Americans
- Touches household money: yes
- Last recorded action: 2026-09-28

## 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. - 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.

## Cosponsors (3)

- Sen. Smith, Tina [D-MN] (D-MN), 2025-02-25T00:00:00.000Z
- Sen. Rounds, Mike [R-SD] (R-SD), 2025-02-25T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-09-16T00:00:00.000Z

## Votes

| Date | Chamber | Question | Result | Yea | Nay |
| --- | --- | --- | --- | --- | --- |
| 2026-03-04T00:00:00.000Z | house | On Motion to Suspend the Rules and Pass | Passed | 384 | 40 |

## Provisions PRIA read

- New ombudsman for tribal land mortgages: benefit, low. 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 requir…

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-1261: CONNECT for Health Act of 2025
- 119-s-1532: A bill to amend the Internal Revenue Code of 1986 to modify the railroad track maintenance credit.
- 119-s-1496: New Markets for State-Inspected Meat and Poultry Act of 2025
- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.

## Sources
- [119-s-723 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/723)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-1261: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-s-1261)
- [119-s-1532: A bill to amend the Internal Revenue Code of 1986 to modify the railroad track…](https://policyrisk.com/legislation/119-s-1532)
- [119-s-1496: New Markets for State-Inspected Meat and Poultry Act of 2025](https://policyrisk.com/legislation/119-s-1496)
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-723 (as of 2026-09-28).