H.R. 2130 · Where this bill is now
Became law through another bill
Its text was included in S. 723, Public Law 119-88 (per the Congressional Research Service). This bill number itself: Waiting for a House vote.
What this bill does
In plain words · AI-written from the official summarySpeeds up mortgage processing on tribal land
This bill sets timelines for how quickly the Bureau of Indian Affairs must handle mortgage applications and paperwork for homes and businesses on tribal trust land. The BIA would have to review documents within 10 days and make a final decision within 20 to 30 days, depending on the type of application. The bill also requires faster responses on title reports, better notifications about delays, and creates a new Realty Ombudsman position to help with these processes.
How it affects you
This mainly affects people seeking mortgages on tribal trust land, lenders who work with these borrowers, and tribes managing the land. Faster processing times could mean quicker loan approvals for homebuyers and business owners in tribal communities. The bill doesn't directly affect people outside of tribal land transactions.
Read the official summary (Introduced in House, Mar 14, 2025)
Tribal Trust Land Homeownership Act of 2025
This bill 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 bill 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 bill 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 bill establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionH. R. 2130
A BILL
Tribal Trust Land Homeownership Act of 2025
Sponsor: Rep. Dusty Johnson (R-SD-At Large) · Introduced Mar 14, 2025 · Native Americans · 2 versions of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Feb 23, 2026: “Placed on the Union Calendar, Calendar No. 439.”
Sections
The wording of this bill hasn’t changed across its 2 official versions.