Tribal Trust Land Homeownership Act of 2025

Where it stands

1. Introduced Done · Feb 25, 2025
2. Committee Done · Feb 25, 2025
3. Passed Senate Done · Dec 11, 2025
4. Passed House Done · Mar 4, 2026
5. President Done · Apr 27, 2026
6. Law Done · May 4, 2026

From the official actions on Congress.gov.

Key points

What it changes

A plain-language summary isn't ready yet. The official summary below describes the bill.

Who it affects

A plain-language summary isn't ready yet. The official summary below describes the bill.

What it costs

The Congressional Budget Office published a cost estimate on May 28, 2025 (as ordered reported by the Senate Committee on Indian Affairs on March 5, 2025): S. 723, Tribal Trust Land Homeownership Act of 2025 ↗

Where it stands

Became Public Law No: 119-88. (May 4, 2026)

What happens next

Nothing more is needed from Congress. It is now law.

Official summary

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.

Summary by the Congressional Research Service (Public Law version), via Congress.gov.

Recorded votes

1. HOUSEFinal passageMar 4, 2026 · roll call 81

   On Motion to Suspend the Rules and Pass: Passed (384–40)

   This vote decided whether the bill passes this chamber.
   Votes by party

   How each party voted on roll call 81

   Party	Yes	No	Present	Did not vote	Share voting Yes
   Democratic	208	1	0	5
   Republican	176	39	0	3
   Independent	0	0	0	0

   Party totals from the official roll call.

   Map: how each state voted

   All voted YesSplitAll voted NoNo Yes or No votes

   Each state is shaded by the share of its U.S. House members who voted Yes, out of those who voted Yes or No. Colors show the vote, not party.

   Office of the Clerk, U.S. House ↗ — includes how every member voted

Vote types come from the official question text. How we label votes

Legislative history

1. May 4, 2026Became Public Law No: 119-88.
2. May 4, 2026Became Public Law No: 119-88.
3. May 4, 2026Signed by President.
4. May 4, 2026Signed by President.
5. Apr 27, 2026Presented to President.
6. Apr 27, 2026Presented to President.
7. Mar 4, 2026Motion to reconsider laid on the table Agreed to without objection.
8. Mar 4, 2026On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 384 - 40 (Roll no. 81).
9. Mar 4, 2026Passed/agreed to in House: 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).
10. Mar 4, 2026Considered as unfinished business. (consideration: CR H2390)
11. Mar 3, 2026At 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.
12. Mar 3, 2026DEBATE - The House proceeded with forty minutes of debate on S. 723.
13. Mar 3, 2026Considered under suspension of the rules. (consideration: CR H2359-2362; text: CR H2359-2361)
14. Mar 3, 2026Mr. Westerman moved to suspend the rules and pass the bill.
15. Dec 15, 2025Held at the desk.
16. Dec 15, 2025Received in the House.
17. Dec 15, 2025Message on Senate action sent to the House.
18. Dec 11, 2025Passed Senate without amendment by Unanimous Consent. (consideration: CR S8689-8691; text: CR S8689-8691)
19. Dec 11, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
20. Sep 29, 2025Star Print ordered on 119-60.
21. Sep 3, 2025Placed on Senate Legislative Calendar under General Orders. Calendar No. 148.
22. Sep 3, 2025Committee on Indian Affairs. Reported by Senator Murkowski without amendment. With written report No. 119-60.
23. Sep 3, 2025Committee on Indian Affairs. Reported by Senator Murkowski without amendment. With written report No. 119-60.
24. Mar 5, 2025Committee on Indian Affairs. Ordered to be reported without amendment favorably.
25. Feb 25, 2025Read twice and referred to the Committee on Indian Affairs. (text: CR S1350-1352)