Bill > HR2130

This bill, the Tribal Trust Land Homeownership Act of 2025, aims to expedite the processing of mortgage applications and related documents for residential and business purposes on Indian land by establishing strict deadlines for the Bureau of Indian Affairs (BIA). Specifically, it mandates that the BIA must complete preliminary reviews of mortgage packages, which include various types of mortgages like land mortgages (for home acquisition, construction, improvements, or economic development) and leasehold mortgages (pledging a lessee's interest), within 10 calendar days, and notify lenders of any missing documents within 2 days. Furthermore, it sets deadlines for approving or disapproving these mortgages and related right-of-way documents, ranging from 20 to 30 calendar days, and requires the completion of certified title status reports, which verify ownership and identify any liens, within 10 days of mortgage approval or 14 days of a specific request. The bill also mandates that the BIA provide immediate notice to parties if deadlines are missed and respond to inquiries within 2 days, grants relevant federal agencies and Indian Tribes read-only access to land documents from the BIA's Trust Asset and Accounting Management System (TAAMS), requires an annual report from the BIA Director to Congress on processing times and reasons for delays, and mandates a study by the Government Accountability Office (GAO) on digitizing land records. Finally, it establishes a Realty Ombudsman position within the BIA to ensure compliance with these deadlines, facilitate communication with other federal agencies, and serve as a liaison to resolve issues for Indian Tribes, tribal members, and lenders.

Agriculture and Natural Resources, Government Affairs

https://www.congress.gov/bill/119th-congress/house-bill/2130/all-info