S.723 — Tribal Trust Land Homeownership Act of 2025
House Roll Call
S.723
| Bill | S.723 — Tribal Trust Land Homeownership Act of 2025 |
|---|---|
| Vote question | On Motion to Suspend the Rules and Pass |
| Vote type | 2/3 Yea-And-Nay |
| Result | Passed |
| Totals | Yea 384 / Nay 40 / Present 0 / Not Voting 8 |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| R | 176 | 39 | 0 | 3 |
| D | 208 | 1 | 0 | 5 |
| I | 0 | 0 | 0 | 0 |
Research Brief
On Motion to Suspend the Rules and Pass
Bill Analysis
S. 723 – Tribal Trust Land Homeownership Act of 2025 (119th Congress)
S. 723 amends federal housing law to streamline mortgage lending and home construction on tribal trust and restricted lands, primarily by reforming the Bureau of Indian Affairs (BIA) lease approval process and coordinating with HUD and USDA housing programs.
Core provisions:
- Standardized residential lease process: Directs the Secretary of the Interior (through BIA) to establish uniform, simplified procedures and model documents for residential, business, and related leases on Indian trust and restricted lands used for housing and housing-related infrastructure.
- Firm timelines for approvals: Requires BIA to act on complete lease applications within specified timeframes (e.g., a set number of days), with deemed approval or other default outcomes if deadlines are missed, subject to tribal law and federal trust responsibilities.
- Deference to tribal authority: Encourages or requires recognition of tribal leasing ordinances and realty procedures where tribes have adopted their own systems, reducing duplicative federal review while maintaining trust protections.
- Coordination with federal housing programs: Aligns BIA leasing and title processes with HUD’s Indian Housing Block Grant, Section 184 Indian Home Loan Guarantee Program, and USDA Rural Development housing programs to make those funds and guarantees more usable on trust land.
- Reporting and data: Mandates Interior to report to Congress on processing times, backlog reduction, and barriers to mortgage lending on trust land, and to consult with tribes on further reforms.
Funding and authorities:
- Primarily authorizes the Secretary of the Interior to reorganize and modernize leasing and title-related functions; any new spending is expected to be administrative and subject to annual appropriations rather than large new mandatory funding streams.
Affected entities:
- Beneficiaries: Tribal members and other eligible borrowers seeking homeownership or housing development on trust/restricted lands; tribal governments and tribally designated housing entities; lenders using federal guarantees.
- Regulated/obligated: BIA/Department of the Interior (process and timeline requirements); to a lesser extent, HUD and USDA (coordination duties).
Key timelines:
- Implementation deadlines for new procedures and regulations (e.g., within 1 year of enactment) and periodic reporting dates to Congress on progress and impacts.
Yea (384)
K
Ken Calvert
J
Jason Crow
L
Lloyd Doggett
S
Scott Franklin
J
John Garamendi
J
John Mannion
L
Lucy McBath
L
Lisa McClain
C
Christian Menefee
J
John Rutherford
D
David Schweikert
P
Pete Sessions
E
Eric Swalwell
R
Rashida Tlaib
N
Nydia Velázquez
D
Debbie Wasserman Schultz
Nay (40)
