This bill, the Tribal Trust Land Homeownership Act of 2025, sets strict timelines for the Bureau of Indian Affairs (BIA) to handle home and business loan paperwork and right-of-way documents on Indian land, with faster notices and clearer communication for borrowers and lenders . BIA must notify lenders when it receives a package, do a quick check within 10 days, tell lenders within 2 days if something is missing, and then approve or deny within 20 days for leasehold mortgages and 30 days for land mortgages or right-of-way documents, with written reasons if denied . Title status reports must be finished within 10 days after approval or within 14 days after a request for the first report; BIA must send notices by secure email and mail and deliver reports directly to lenders and the federal agency backing the loan . If a deadline is missed, BIA must immediately inform the applicant and lender and answer update requests within 2 days. Tribes and federal agencies get read‑only access to BIA’s land records system (TAAMS) to speed things up, and BIA must file a yearly report on how many requests were handled and why any were late, while protecting personal information . A Government Accountability Office report will study the need and cost to digitize records to make lending faster, and a new Realty Ombudsman at BIA will track deadlines, work with other agencies, and help tribes, tribal members, and lenders resolve problems .

Key points

• Who is affected: Tribal members and tribes seeking home or business loans on Indian land, lenders, and federal housing lenders like USDA, HUD, and VA, along with BIA offices.
• What changes: Clear deadlines (10-day review; 20-day approval for leasehold; 30-day for land mortgages and rights-of-way), faster title status reports (10 days after approval or 14 days after request), required delay notices, direct delivery of reports, read‑only TAAMS access, an annual public report, a GAO study on digitizing records, and a Realty Ombudsman to troubleshoot and coordinate .
• When: Deadlines apply after enactment as packages are received; TAAMS read‑only access begins on the date of enactment; the GAO report is due within one year; BIA’s annual report is due by March 1 each year .