S. 723Tribal Trust Land Homeownership Act of 2025

1 recorded actionWhat the measure does Read on Congress.gov

Sponsor: John Thune [R-SD]
Cosponsors: 3 · 2 Republicans · 1 Democrat
Policy area: Native Americans
Committee: Indian Affairs Committee
Latest action: May 4, 2026 · Became Public Law No: 119-88.

IntroducedFeb 25, 2025
Passed the SenateDec 11, 2025
Passed the HouseMar 4, 2026
Sent to the PresidentApr 27, 2026
Became lawMay 4, 2026

What the measure doesCRS summary

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.

Written by the nonpartisan Congressional Research Service, describing S. 723 as public Law on May 4, 2026. It is not the text of the measure; a later amendment may have changed what it does.

How every member votedHouse roll call 81

House Mar 4, 2026

On Motion to Suspend the Rules and Pass

Tribal Trust Land Homeownership Act

Passed · Two-thirds required

384 Yea 40 Nay 8 not voting

Crossed both parties 40 of 424 voting members broke with their own party: 1 Democrat, 39 Republicans.

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How the chamber split

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DemocratsIndependentsRepublicansFilled: YeaRing: NayGrey: not voting or present

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All members432 members

Democratic214 members

Independent1 member

Republican217 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors3 · 2 Republicans · 1 Democrat

Signing on is not a vote: a member can cosponsor S. 723 and vote against it. 2 signed when it was filed.

DTina Smith [D-MN]Original

RMike Rounds [R-SD]Original2026 profile

RKevin Cramer [R-ND]Joined Sep 16, 2025

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