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Tribal Trust Land Homeownership Act of 2025
2/12/2026, 9:06 AM
Summary of Bill HR 2130
The bill requires the BIA to process and complete all mortgage packages within 60 days of receiving a complete application for residential mortgages and within 90 days for business mortgages. This is intended to expedite the approval process and provide certainty to borrowers seeking financing on Indian land.
Additionally, the bill includes provisions to improve communication and coordination between the BIA and other relevant agencies involved in the mortgage approval process. This is aimed at reducing confusion and delays that can arise from lack of coordination between agencies. Overall, the Indian Land Mortgage Processing Act seeks to improve access to financing for individuals and businesses on Indian land by streamlining the mortgage approval process and setting clear deadlines for the BIA to process and complete mortgage packages. By addressing the delays and inefficiencies in the current system, the bill aims to promote economic development and growth in Indian communities.
Congressional Summary of HR 2130
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.
Read the Full Bill
Current Status of Bill HR 2130
Bipartisan Support of Bill HR 2130
Total Number of Sponsors
1Democrat Sponsors
0Republican Sponsors
1Unaffiliated Sponsors
0Total Number of Cosponsors
18Democrat Cosponsors
9Republican Cosponsors
9Unaffiliated Cosponsors
0Policy Area and Potential Impact of Bill HR 2130
Primary Policy Focus
Native AmericansAlternate Title(s) of Bill HR 2130
Comments
Goldie Cole
10 months ago
OMG this is so cool! I can't believe this is happening! Who even benefits from this?? #confused
