Tribal Trust Land Homeownership Act of 2025

Hozzl · 2026-01-23T09:06:34Z

Explore the details of House Bill 2130 Tribal Trust Land Homeownership Act of 2025 currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on Native Americans. Stay informed on legislative developments.

1/23/2026, 9:06 AM

Summary of Bill HR 2130

Bill 119 hr 2130, also known as the "Indian Land Mortgage Processing Act," aims to address the delays and inefficiencies in the processing of mortgage packages associated with residential and business mortgages on Indian land by the Bureau of Indian Affairs (BIA). The bill sets specific deadlines for the BIA to process and complete these mortgage packages in order to streamline the process and ensure timely access to financing for individuals and businesses on Indian land.

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

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Current Status of Bill HR 2130

Bill HR 2130 is currently in the status of Bill Introduced since March 14, 2025. Bill HR 2130 was introduced during Congress 119 and was introduced to the House on March 14, 2025. Bill HR 2130's most recent activity was Ordered to be Reported by Unanimous Consent. as of January 22, 2026

Bipartisan Support of Bill HR 2130

Total Number of Sponsors

Democrat Sponsors

Republican Sponsors

Unaffiliated Sponsors

Total Number of Cosponsors

Democrat Cosponsors

Republican Cosponsors

Unaffiliated Cosponsors

Policy Area and Potential Impact of Bill HR 2130

Primary Policy Focus

Native Americans

Alternate Title(s) of Bill HR 2130

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.