S. 723 119th Congress Senate

Tribal Trust Land Homeownership Act of 2025

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 … Show full official titleShow less

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.

Introduced: February 25, 2025 Introduced by: John Thune Republican · South Dakota See on congress.gov

Native Americans Congressional oversightGovernment information and archivesGovernment studies and investigationsHousing finance and home ownership

More subjectsShow fewer subjects

Indian lands and resources rightsIntergovernmental relations

Everywhere this bill has been 21 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

May 4, 2026

Signed by President.

May 4, 2026

Became Public Law No: 119-88.

Apr 27, 2026

Presented to President.

Mar 4, 2026

Motion to reconsider laid on the table Agreed to without objection.

Mar 4, 2026

On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 384 - 40 (Roll no. 81).

Mar 4, 2026

Considered as unfinished business. (consideration: CR H2390)

Mar 3, 2026

At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

Mar 3, 2026

DEBATE - The House proceeded with forty minutes of debate on S. 723.

Mar 3, 2026

Considered under suspension of the rules. (consideration: CR H2359-2362; text: CR H2359-2361)

Mar 3, 2026

Mr. Westerman moved to suspend the rules and pass the bill.

Dec 15, 2025

Held at the desk.

Dec 15, 2025

Received in the House.

Dec 15, 2025

Message on Senate action sent to the House.

Dec 11, 2025

Passed Senate without amendment by Unanimous Consent. (consideration: CR S8689-8691; text: CR S8689-8691)

Dec 11, 2025

Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.

Sep 29, 2025

Star Print ordered on 119-60.

Sep 3, 2025

Placed on Senate Legislative Calendar under General Orders. Calendar No. 148.

Sep 3, 2025

Committee on Indian Affairs. Reported by Senator Murkowski without amendment. With written report No. 119-60.

Mar 5, 2025

Committee on Indian Affairs. Ordered to be reported without amendment favorably.

Feb 25, 2025

Read twice and referred to the Committee on Indian Affairs. (text: CR S1350-1352)

Feb 25, 2025

Introduced in Senate

Votes taken on this bill 1

Date	Chamber	What was voted on	Result	Yes–No
Mar 4, 2026	House · vote #81	On Motion to Suspend the Rules and Pass	Passed	384–40	See who voted →

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Latest action May 4, 2026

Became Public Law No: 119-88.

Plain-English summary 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.

Hearings & markups 1

Business meeting to consider S.105, to direct the Secretary of the Interior to complete all actions necessary for certa…
Meeting Mar 5, 2025 · 2:30 PM EST · Indian Affairs Committee

Related & companion bills 4

Bill text 5 versions

Engrossed in Senate Formatted Text PDF Formatted XML
Enrolled Bill Formatted Text PDF Formatted XML United States Legislative Markup
Introduced in Senate Formatted Text PDF Formatted XML
Public Law Formatted Text PDF United States Legislative Markup
Reported to Senate Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Indian Affairs Committee
Senate

Cosponsors 3

Cramer, Kevin

North Dakota · Sep 16, 2025

Rounds, Mike

South Dakota · Feb 25, 2025

Smith, Tina

Minnesota · Feb 25, 2025

Cite this page click to expand

APA

U.S. Congress. (2026). S. 723: Tribal Trust Land Homeownership Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-S-723/

MLA

"S. 723: Tribal Trust Land Homeownership Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-723/.

Bluebook (legal)

S. 723, 119th Cong. (2026), https://openamerica.io/bill/119-S-723/.

Markdown link

[S. 723: Tribal Trust Land Homeownership Act of 2025](https://openamerica.io/bill/119-S-723/)