{"format":1,"id":"119-s-723","congress":119,"number":"S. 723","kind":"bill","group":"bills","title":"Tribal Trust Land Homeownership Act of 2025","title_source":"Short Title(s) as Passed Senate","official_title":"A bill 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.","titles":[{"type":"Official Title as Introduced","title":"A bill 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."},{"type":"Display Title","title":"Tribal Trust Land Homeownership Act of 2025"},{"type":"Short Titles from ENR (Enrolled) bill text","title":"Tribal Trust Land Homeownership Act of 2025"},{"type":"Short Title(s) as Passed Senate","title":"Tribal Trust Land Homeownership Act of 2025"},{"type":"Short Title(s) as Reported to Senate","title":"Tribal Trust Land Homeownership Act of 2025"},{"type":"Short Title(s) as Introduced","title":"Tribal Trust Land Homeownership Act of 2025"}],"outcome":"became_law","law_number":"Public Law 119-88","introduced":"2025-02-25","chambers":{"house":{"status":"roll_call","date":"2026-03-04","vote":{"id":"119-2026-h81","question":"On Motion to Suspend the Rules and Pass","title":"Tribal Trust Land Homeownership Act","result":"Passed","yea":384,"nay":40,"present":0,"not_voting":8,"source":"https://clerk.house.gov/evs/2026/roll081.xml"}},"senate":{"status":"voice","date":"2025-12-11","vote":null,"how":"unanimous_consent","words":"Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent."}},"president":{"status":"signed","date":"2026-05-04"},"vice_president_tie_breaker":null,"latest_action":{"text":"Became Public Law No: 119-88.","date":"2026-05-04"},"nominees":null,"amendments":[],"other_votes":[],"crs_summary":{"date":"2026-05-04","stage":"Public Law","blocks":[{"k":"h","t":"Tribal Trust Land Homeownership Act of 2025"},{"k":"p","t":"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."},{"k":"p","t":"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."},{"k":"p","t":"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."},{"k":"p","t":"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."},{"k":"p","t":"Finally, the act establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman."}],"words":185},"summary":{"main_subject":{"text":"Sets deadlines for the Bureau of Indian Affairs to review, approve or disapprove, and complete title status reports for mortgage packages on Indian land, and creates a Realty Ombudsman position in the Bureau.","cites":[{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"},{"label":"Sec. 4","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#id2919ae43700e48b9a82b4285bdedeffc:~:text=4.%20Establishment%20of%20Realty%20Ombudsman%20position"}]},"core_areas":["Bureau of Indian Affairs deadlines for processing mortgage packages on Indian land","Certified title status reports and notice of delays","Reporting and study requirements on mortgage processing","Realty Ombudsman position in the Bureau of Indian Affairs"],"what_it_does":[{"text":"Requires the applicable Bureau office to complete a preliminary review of a proposed mortgage or right-of-way document within 10 calendar days of receipt, and to notify the lender of any missing documents within 2 calendar days of finding them.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"}},{"text":"Requires the applicable Bureau office to approve or disapprove a complete leasehold mortgage within 20 calendar days, and a complete right-of-way document or land mortgage within 30 calendar days, in writing, with the basis stated for any disapproval.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"}},{"text":"Requires the applicable Bureau office to complete processing of first and subsequent certified title status reports within 10 calendar days after approval, and of a requested first certified title status report within 14 calendar days of the request.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"}},{"text":"Requires the Bureau office to give notice of a missed deadline immediately to the party that submitted the package and to the lender, and to respond to inquiries within 2 calendar days.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"}},{"text":"Gives the relevant Federal agencies and Indian Tribes read-only access to portals of land documents in the Trust Asset and Accounting Management System, and requires an annual report by the Director and a Comptroller General report on digitizing tribal records.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"}},{"text":"Requires the Director to establish a Realty Ombudsman position in the Division of Real Estate Services, reporting directly to the Secretary of the Interior, to monitor deadlines and notices, act as a liaison to Federal agencies, and receive and resolve inquiries and complaints.","cite":{"label":"Sec. 4","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#id2919ae43700e48b9a82b4285bdedeffc:~:text=4.%20Establishment%20of%20Realty%20Ombudsman%20position"}}],"unexpected":[{"category":"selective_carve_out","items":[{"cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr#idBB8940BA989044018F72DC28914B6E98:~:text=3.%20Mortgage%20review%20and%20processing"},"heading":"Mortgage review and processing","effect":"Exempts residential and business leasehold mortgages from the approval and disapproval deadlines in paragraph (3) when the applicant is an Indian tribe that has been approved for leasing under the cited 1955 Act provision.","amount":null,"quote":"This paragraph shall not apply to a residential leasehold mortgage or business leasehold mortgage with respect to Indian land in cases in which the applicant for the residential leasehold mortgage or business leasehold mortgage is an Indian tribe"}]}],"version":{"type":"Enrolled Bill","date":null,"rule":"enrolled","href":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text/enr"},"current":true,"model":"claude-sonnet-5-5","approved":"2026-10-03","approved_by":"checks"},"sources":{"congress_gov":"https://www.congress.gov/bill/119th-congress/senate-bill/723","text":"https://www.congress.gov/bill/119th-congress/senate-bill/723/text"},"card":{"image":"card/item/119-s-723.png","v":"db050a3442a5","alt":"Votes on Record. S. 723, 119th Congress: Tribal Trust Land Homeownership Act of 2025. House: 384 Yea, 40 Nay. Senate: unanimous consent. Outcome: Became law, 4 May 2026."}}