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, the Tribal Trust Land Homeownership Act of 2025, is aimed at reducing barriers to mortgage lending and homeownership on tribal trust and restricted lands by reforming federal appraisal and mortgage processes.
The bill primarily amends the Housing and Community Development Act of 1992 and related HUD authorities to streamline how appraisals are conducted for properties on trust land. It directs the Secretary of Housing and Urban Development (HUD), in consultation with tribes, to develop and implement standardized appraisal policies and procedures tailored to tribal trust and restricted lands, including valuation methods that account for unique legal and market conditions (e.g., non-alienability, leasehold interests).
HUD must establish timelines and performance standards for completing appraisals and related approvals on tribal lands, and is required to coordinate with the Bureau of Indian Affairs (BIA) and other relevant agencies to reduce duplicative reviews and delays. The bill authorizes HUD to recognize and rely on appraisals conducted by qualified tribal or tribally designated housing entities, subject to federal standards, thereby expanding the pool of appraisers and reducing bottlenecks.
The legislation affects HUD’s Office of Native American Programs, tribal housing authorities, tribally designated housing entities, private lenders participating in HUD’s Section 184 Indian Home Loan Guarantee Program, and other federal mortgage-related programs operating on trust land. It does not create a large new spending program but authorizes HUD to use existing appropriations to carry out the new appraisal and process-improvement requirements, including technical assistance and guidance to tribes and lenders.
Beneficiaries include Native American individuals and families seeking homeownership on trust or restricted lands, tribal governments and housing entities trying to develop housing stock, and lenders seeking clearer, faster federal processes. The bill’s timelines typically require HUD to issue implementing regulations and guidance within a set period (e.g., 180 days to 1 year after enactment), with periodic reporting to Congress on implementation progress and impacts on loan volume and processing times on tribal lands.
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)
