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H.R. 2130119th CongressPlaced on the calendarLatest action Feb 23, 2026Decoded by AI · checked against the record
Official title: Tribal Trust Land Homeownership Act of 2025
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
The bill sets strict BIA deadlines for approving mortgages on Indian trust land and creates a Realty Ombudsman to monitor compliance.
45-second read · 4 questions answered below
The Tribal Trust Land Homeownership Act of 2025 sets strict deadlines for the BIA to review, approve, or deny mortgage paperwork on Indian trust land, ranging from 10 days for initial document checks to 30 days for land mortgages. It also requires electronic notifications, gives federal housing agencies read-only access to BIA land records, mandates annual performance reports, and creates a Realty Ombudsman position to oversee compliance.
The bill affects Native American individuals and tribes seeking to build homes or businesses on trust land, lenders financing those projects, and BIA staff who process the paperwork.
Faster, more transparent processing could reduce bureaucratic delays that have historically slowed homeownership and business development on tribal land, though it also adds new compliance and reporting requirements for the BIA.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it was placed on the House floor calendar, and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Placed on the Union Calendar, Calendar No. 439.