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The Tribal Trust Land Homeownership Act of 2025 would establish new requirements for how the Bureau of Indian Affairs processes mortgage applications for residential and business properties on tribal trust lands. Under the bill, the BIA would be required to notify lenders within 10 days of receiving mortgage documents, complete a preliminary review within 10 days, and make a final approval or denial decision within 20 to 30 days depending on the application type. The bill also requires the BIA to provide faster responses for title status reports and notify applicants of any processing delays.
If enacted, the bill would aim to make it easier for Native Americans and others to obtain mortgages for homes on tribal lands by reducing bureaucratic delays. The legislation would also establish a new Realty Ombudsman position within the BIA to help address homeownership issues, and would direct the Government Accountability Office to study how digitizing documents could further speed up the mortgage process. Additionally, the bill would give federal agencies and Indian tribes access to the BIA's Trust Asset and Accounting Management System to improve coordination.
This bill has been approved by the House Committee on Natural Resources and is now eligible for a vote by the full House of Representatives, though it has not yet been enacted into law.
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Referred to the Subcommittee on Indian and Insular Affairs.
May 13, 2025
Subcommittee Hearings Held
May 20, 2025
May 21, 2025 · 14:00
On May 21, 2025, the House Subcommittee on Indian and Insular Affairs held a legislative hearing on four bills addressing tribal land rights, homeownership, and economic development. H.R. 2130, the Tribal Trust Land Homeownership Act, sets forth requirements for the Bureau of Indian Affairs to process residential and business mortgages on tribal trust land, with the BIA required to approve or disapprove documents within 20 or 30 days depending on application type. H.R. 2388 would take approximately 1,083 acres of National Park Service land into trust for the Lower Elwha Klallam Tribe. H.R. 2815, the Cape Fox Land Entitlement Finalization Act, waives a statutory core township selection requirement for the Cape Fox Corporation and allows Cape Fox to receive approximately 180 acres located within the Tongass National Forest instead of previously selected land. H.R. 3073, the Shivwits Band of Paiutes Jurisdictional Clarity Act, confers legal jurisdiction to the State of Utah over certain civil cases involving the Shivwits Band of Paiutes and allows the tribe to lease its land held in trust. Witnesses included members of Congress, tribal leaders, and representatives of Native organizations. The hearing examined how these bills would support tribal sovereignty, economic development, and access to homeownership and land resources. A hearing does not guarantee the bills will advance to a vote.
| Name | Position | Links |
|---|---|---|
| Mr. Eric ShepherdSouth Dakota Native Homeownership Coalition | Vice Chairman | |
| Mr. Eric ShepherdSouth Dakota Native Homeownership Coalition | Vice Chairman | |
| The Honorable Celeste Maloy | Member of Congress | |
| The Honorable Celeste Maloy | Member of Congress | |
| The Honorable Dusty Johnson | Member of Congress | |
| The Honorable Dusty Johnson | Member of Congress | |
| The Honorable Frances CharlesLower Elwha Klallam Tribe | Chairwoman | |
| The Honorable Frances CharlesLower Elwha Klallam Tribe | Chairwoman | |
| The Honorable Nicholas Begich | Member of Congress | |
| The Honorable Nicholas Begich | Member of Congress | |
| The Honorable Thomas HarrisCape Fox Corporation | Vice President | |
| The Honorable Thomas HarrisCape Fox Corporation | Vice President | |
| The Honorable Tina GonzalesShivwits Band of Paiutes | Chairwoman | |
| The Honorable Tina GonzalesShivwits Band of Paiutes | Chairwoman |
Subcommittee on Indian and Insular Affairs Discharged
Jan 22, 2026
Committee Consideration and Mark-up Session Held
Jan 22, 2026
Ordered to be Reported by Unanimous Consent.
Jan 22, 2026
Jan 22, 2026 · 15:00
On January 22, 2026, the House Committee on Natural Resources held a full committee markup to consider eight bills spanning diverse natural resources and public lands issues. The bills included measures addressing tribal land homeownership and jurisdictional clarity, invasive species management in the Chesapeake Bay, ocean recreation data standardization, national park recovery, and wildlife safety. Among the bills marked up were H.R. 5254 (Gateway Partnership Act), which would authorize the Gateway Arch Park Foundation to host private events at Gateway Arch National Park; H.R. 5729 (North Rim Restoration Act), which would expedite recovery of the Grand Canyon's North Rim from the Dragon Bravo Fire by granting the National Park Service emergency contracting authority; H.R. 3073 (Shivwits Band of Paiutes Jurisdictional Clarity Act), which would confer jurisdiction to Utah over certain civil cases involving the Shivwits Band of Paiutes and allow the tribe to lease its trust lands; and H.R. 4294 (MAWS Act), which would establish a pilot program to purchase invasive blue catfish from Chesapeake Bay watermen for use in pet and animal feed industries. The committee also considered H.R. 3340 (Modernizing Access to Our Public Oceans Act), which would standardize and digitize data on recreational fishing restrictions and boating access in federal waters. Additional bills on the agenda addressed tribal trust land homeownership, animal safety, and emergency egress at a Virginia facility. As a markup session, the committee was reviewing and potentially amending these bills before deciding whether to advance them for further consideration by the full House.
Reported by the Committee on Natural Resources. H. Rept. 119-513.
Feb 23, 2026
Reported by the Committee on Natural Resources. H. Rept. 119-513.
Feb 23, 2026
Referred to the Subcommittee on Indian and Insular Affairs.
May 13, 2025
Subcommittee Hearings Held
May 20, 2025
May 21, 2025 · 14:00
On May 21, 2025, the House Subcommittee on Indian and Insular Affairs held a legislative hearing on four bills addressing tribal land rights, homeownership, and economic development. H.R. 2130, the Tribal Trust Land Homeownership Act, sets forth requirements for the Bureau of Indian Affairs to process residential and business mortgages on tribal trust land, with the BIA required to approve or disapprove documents within 20 or 30 days depending on application type. H.R. 2388 would take approximately 1,083 acres of National Park Service land into trust for the Lower Elwha Klallam Tribe. H.R. 2815, the Cape Fox Land Entitlement Finalization Act, waives a statutory core township selection requirement for the Cape Fox Corporation and allows Cape Fox to receive approximately 180 acres located within the Tongass National Forest instead of previously selected land. H.R. 3073, the Shivwits Band of Paiutes Jurisdictional Clarity Act, confers legal jurisdiction to the State of Utah over certain civil cases involving the Shivwits Band of Paiutes and allows the tribe to lease its land held in trust. Witnesses included members of Congress, tribal leaders, and representatives of Native organizations. The hearing examined how these bills would support tribal sovereignty, economic development, and access to homeownership and land resources. A hearing does not guarantee the bills will advance to a vote.
| Name | Position | Links |
|---|---|---|
| Mr. Eric ShepherdSouth Dakota Native Homeownership Coalition | Vice Chairman | |
| Mr. Eric ShepherdSouth Dakota Native Homeownership Coalition | Vice Chairman | |
| The Honorable Celeste Maloy | Member of Congress | |
| The Honorable Celeste Maloy | Member of Congress | |
| The Honorable Dusty Johnson | Member of Congress | |
| The Honorable Dusty Johnson | Member of Congress | |
| The Honorable Frances CharlesLower Elwha Klallam Tribe | Chairwoman | |
| The Honorable Frances CharlesLower Elwha Klallam Tribe | Chairwoman | |
| The Honorable Nicholas Begich | Member of Congress | |
| The Honorable Nicholas Begich | Member of Congress | |
| The Honorable Thomas HarrisCape Fox Corporation | Vice President | |
| The Honorable Thomas HarrisCape Fox Corporation | Vice President | |
| The Honorable Tina GonzalesShivwits Band of Paiutes | Chairwoman | |
| The Honorable Tina GonzalesShivwits Band of Paiutes | Chairwoman |
Subcommittee on Indian and Insular Affairs Discharged
Jan 22, 2026
Committee Consideration and Mark-up Session Held
Jan 22, 2026
Ordered to be Reported by Unanimous Consent.
Jan 22, 2026
Jan 22, 2026 · 15:00
On January 22, 2026, the House Committee on Natural Resources held a full committee markup to consider eight bills spanning diverse natural resources and public lands issues. The bills included measures addressing tribal land homeownership and jurisdictional clarity, invasive species management in the Chesapeake Bay, ocean recreation data standardization, national park recovery, and wildlife safety. Among the bills marked up were H.R. 5254 (Gateway Partnership Act), which would authorize the Gateway Arch Park Foundation to host private events at Gateway Arch National Park; H.R. 5729 (North Rim Restoration Act), which would expedite recovery of the Grand Canyon's North Rim from the Dragon Bravo Fire by granting the National Park Service emergency contracting authority; H.R. 3073 (Shivwits Band of Paiutes Jurisdictional Clarity Act), which would confer jurisdiction to Utah over certain civil cases involving the Shivwits Band of Paiutes and allow the tribe to lease its trust lands; and H.R. 4294 (MAWS Act), which would establish a pilot program to purchase invasive blue catfish from Chesapeake Bay watermen for use in pet and animal feed industries. The committee also considered H.R. 3340 (Modernizing Access to Our Public Oceans Act), which would standardize and digitize data on recreational fishing restrictions and boating access in federal waters. Additional bills on the agenda addressed tribal trust land homeownership, animal safety, and emergency egress at a Virginia facility. As a markup session, the committee was reviewing and potentially amending these bills before deciding whether to advance them for further consideration by the full House.
Reported by the Committee on Natural Resources. H. Rept. 119-513.
Feb 23, 2026
Reported by the Committee on Natural Resources. H. Rept. 119-513.
Feb 23, 2026