Who it affects
- Bureau of Indian Affairs
- Lenders submitting mortgage and land-use documents
- Indian tribes
- Federal agencies receiving system access
Became lawHousingTribal affairsGovernment
Tribal Trust Land Homeownership Act of 2025
S. 723 · Senate bill · Introduced Feb. 25, 2025
The Tribal Trust Land Homeownership Act of 2025 would set Bureau of Indian Affairs deadlines for processing mortgage and land-use documents affecting lenders and tribes.
At a glance
Where it stands
Passed the House 384 to 40 on March 4.
How South Carolina voted
Lobbying and money
No lobbying reported yet
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
What it would do
- The Bureau of Indian Affairs must notify lenders when documents arrive and complete an initial review within 10 days.
- It must approve or reject documents within 20 or 30 days, depending on the application type.
- The bill sets rules for land ownership reports, delay notices, and report delivery.
- Relevant federal agencies and tribes could view, but not change, records in the bureau’s trust asset and accounting system.
- The Government Accountability Office must report on using digital documents to speed home mortgage paperwork on Indian land.
- The bill creates a Realty Ombudsman position within the bureau’s Division of Real Estate Services.
Written with AI from the official summary by Congress's research office.
How South Carolina voted
House vote coverage is incomplete for 2025–2026. Vote and flagged-bill counts reflect imported records only; missing votes don't mean a member didn't vote.
House vote
Vote to pass
Fast-track vote that needs two-thirds
March 4, 2026 · Passed 384 to 40
- Republicans
- 176 yes
- 39 no
- Democrats
- 208 yes
- 1 no
Groups that lobbied on it and gave to SC's members
PAC, lobbyist campaign and qualifying employee money this election, shown separately and never added together. Lobbying reports name the bills a group worked on, not which side it took.
No lobbying reported yet. Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
Official record
Official title, sponsor and status
- 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.
- Sponsor
- Sen. Thune, John (R-SD)
- Introduced
- Feb. 25, 2025
- Cosponsors
- 3
- Committees
- Senate Indian Affairs Committee
- Latest action
- May 4, 2026 · Became Public Law No: 119-88.
Official summary from the Congressional Research Service
Tribal Trust Land Homeownership Act of 2025 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. 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. 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. 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. Finally, the act establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman.
Summary on Congress.gov ↗Everyone who lobbied on this bill (0 groups)
No lobbying report we have loaded names this bill. That doesn't mean no lobbying took place.
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published. Reports for October through December 2026 are due January 20, 2027.