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S 185 118th Congress Senate Native Americans Building construction Housing finance and home ownership Indian social and development programs Residential rehabilitation and home repair Veterans' loans, housing, homeless programs

Native American Direct Loan Improvement Act of 2023

Introduced: January 31, 2023 Introduced by: Rounds, Mike Republican · South Dakota See on congress.gov
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This bill died when the 118th Congress ended
It never became law before the 118th Congress (2023–2024) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 2, 2023
Committee on Banking, Housing, and Urban Affairs. Hearings held.
Feb 16, 2023
Committee on Veterans' Affairs. Ordered to be reported without amendment favorably.
Jan 31, 2023
Read twice and referred to the Committee on Veterans' Affairs.
Jan 31, 2023
Introduced in Senate
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 Plain-English summary Congressional Research Service

Native American Direct Loan Improvement Act of 2023

This bill revises the Native American Direct Loan (NADL) program, which is administered by the Department of Veterans Affairs (VA). Under the NADL program, the VA makes loans directly to Native American veterans to purchase, construct, improve, or refinance their homes located on federal trust land.

Specifically, the bill expands the NADL program by allowing Native American veterans to refinance other existing mortgage loans on the same property if certain conditions are met.

Additionally, the bill requires the VA to conduct additional program outreach by partnering with local service providers (e.g., tribal organizations and nonprofit organizations) to conduct outreach, homebuyer education, housing counseling, and post-purchase education.

The bill directs the VA to assign a sufficient number of personnel to carry out the NADL program, including construction and valuation specialists to assist with issues unique to new construction and renovations on trust land.

The bill also authorizes the VA to make a loan with a 1% interest rate to a Native community development financial institution to allow the institution to relend loan amounts to qualified Native American veterans residing on federal trust land.

What's happening now November 2, 2023

Committee on Banking, Housing, and Urban Affairs. Hearings held.

 Related & companion bills 2
  • S 141 Related bill Senator Elizabeth Dole 21st Century Veterans Healthcare and Benefits Improvement Act
  • HR 8371 Related bill Senator Elizabeth Dole 21st Century Veterans Healthcare and Benefits Improvement Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 4
All 4 Democratic 2 Republican 1 Independent 1
D
Peters, Gary C.
Michigan · Jul 25, 2023
 R
Sullivan, Dan
Alaska · Jun 20, 2023
 I
King, Angus S., Jr.
Maine · May 2, 2023
 D
Kelly, Mark
Arizona · Apr 25, 2023
Cite this page click to expand
APA
U.S. Congress. (2026). S. 185: Native American Direct Loan Improvement Act of 2023. 118th Congress. Open America. https://openamerica.io/bill/118-S-185/
MLA
"S. 185: Native American Direct Loan Improvement Act of 2023." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-S-185/.
Bluebook (legal)
S. 185, 118th Cong. (2026), https://openamerica.io/bill/118-S-185/.
Markdown link
[S. 185: Native American Direct Loan Improvement Act of 2023](https://openamerica.io/bill/118-S-185/)
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