| 1 | 1 | | II |
|---|
| 2 | 2 | | 119THCONGRESS |
|---|
| 3 | 3 | | 1 |
|---|
| 4 | 4 | | STSESSION S. 723 |
|---|
| 5 | 5 | | To require the Bureau of Indian Affairs to process and complete all mortgage |
|---|
| 6 | 6 | | packages associated with residential and business mortgages on Indian |
|---|
| 7 | 7 | | land by certain deadlines, and for other purposes. |
|---|
| 8 | 8 | | IN THE SENATE OF THE UNITED STATES |
|---|
| 9 | 9 | | FEBRUARY25, 2025 |
|---|
| 10 | 10 | | Mr. T |
|---|
| 11 | 11 | | HUNE(for himself, Ms. SMITH, and Mr. ROUNDS) introduced the fol- |
|---|
| 12 | 12 | | lowing bill; which was read twice and referred to the Committee on In- |
|---|
| 13 | 13 | | dian Affairs |
|---|
| 14 | 14 | | A BILL |
|---|
| 15 | 15 | | To require the Bureau of Indian Affairs to process and |
|---|
| 16 | 16 | | complete all mortgage packages associated with residen- |
|---|
| 17 | 17 | | tial and business mortgages on Indian land by certain |
|---|
| 18 | 18 | | deadlines, and for other purposes. |
|---|
| 19 | 19 | | Be it enacted by the Senate and House of Representa-1 |
|---|
| 20 | 20 | | tives of the United States of America in Congress assembled, 2 |
|---|
| 21 | 21 | | SECTION 1. SHORT TITLE. 3 |
|---|
| 22 | 22 | | This Act may be cited as the ‘‘Tribal Trust Land 4 |
|---|
| 23 | 23 | | Homeownership Act of 2025’’. 5 |
|---|
| 24 | 24 | | SEC. 2. DEFINITIONS. 6 |
|---|
| 25 | 25 | | In this Act: 7 |
|---|
| 26 | 26 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00001 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 27 | 27 | | ssavage on LAPJG3WLY3PROD with BILLS 2 |
|---|
| 28 | 28 | | •S 723 IS |
|---|
| 29 | 29 | | (1) APPLICABLE BUREAU OFFICE .—The term 1 |
|---|
| 30 | 30 | | ‘‘applicable Bureau office’’ means— 2 |
|---|
| 31 | 31 | | (A) a Regional office of the Bureau; 3 |
|---|
| 32 | 32 | | (B) an Agency office of the Bureau; or 4 |
|---|
| 33 | 33 | | (C) a Land Titles and Records Office of 5 |
|---|
| 34 | 34 | | the Bureau. 6 |
|---|
| 35 | 35 | | (2) B |
|---|
| 36 | 36 | | UREAU.—The term ‘‘Bureau’’ means the 7 |
|---|
| 37 | 37 | | Bureau of Indian Affairs. 8 |
|---|
| 38 | 38 | | (3) D |
|---|
| 39 | 39 | | IRECTOR.—The term ‘‘Director’’ means 9 |
|---|
| 40 | 40 | | the Director of the Bureau. 10 |
|---|
| 41 | 41 | | (4) F |
|---|
| 42 | 42 | | IRST CERTIFIED TITLE STATUS REPORT .— 11 |
|---|
| 43 | 43 | | The term ‘‘first certified title status report’’ means 12 |
|---|
| 44 | 44 | | the title status report needed to verify title status on 13 |
|---|
| 45 | 45 | | Indian land. 14 |
|---|
| 46 | 46 | | (5) I |
|---|
| 47 | 47 | | NDIAN LAND.—The term ‘‘Indian land’’ 15 |
|---|
| 48 | 48 | | has the meaning given the term in section 162.003 16 |
|---|
| 49 | 49 | | of title 25, Code of Federal Regulations (as in effect 17 |
|---|
| 50 | 50 | | on the date of enactment of this Act). 18 |
|---|
| 51 | 51 | | (6) L |
|---|
| 52 | 52 | | AND MORTGAGE.—The term ‘‘land mort-19 |
|---|
| 53 | 53 | | gage’’ means a mortgage obtained by an individual 20 |
|---|
| 54 | 54 | | Indian who owns a tract of trust land for the pur-21 |
|---|
| 55 | 55 | | pose of— 22 |
|---|
| 56 | 56 | | (A) home acquisition; 23 |
|---|
| 57 | 57 | | (B) home construction; 24 |
|---|
| 58 | 58 | | (C) home improvements; or 25 |
|---|
| 59 | 59 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 60 | 60 | | ssavage on LAPJG3WLY3PROD with BILLS 3 |
|---|
| 61 | 61 | | •S 723 IS |
|---|
| 62 | 62 | | (D) economic development. 1 |
|---|
| 63 | 63 | | (7) L |
|---|
| 64 | 64 | | EASEHOLD MORTGAGE .—The term ‘‘lease-2 |
|---|
| 65 | 65 | | hold mortgage’’ means a mortgage, deed of trust, or 3 |
|---|
| 66 | 66 | | other instrument that pledges the leasehold interest 4 |
|---|
| 67 | 67 | | of a lessee as security for a debt or other obligation 5 |
|---|
| 68 | 68 | | owed by the lessee to a lender or other mortgagee. 6 |
|---|
| 69 | 69 | | (8) M |
|---|
| 70 | 70 | | ORTGAGE PACKAGE .—The term ‘‘mort-7 |
|---|
| 71 | 71 | | gage package’’ means a proposed residential lease-8 |
|---|
| 72 | 72 | | hold mortgage, business leasehold mortgage, land 9 |
|---|
| 73 | 73 | | mortgage, or right-of-way document submitted to an 10 |
|---|
| 74 | 74 | | applicable Bureau office under section 3(a)(1). 11 |
|---|
| 75 | 75 | | (9) R |
|---|
| 76 | 76 | | ELEVANT FEDERAL AGENCY .—The term 12 |
|---|
| 77 | 77 | | ‘‘relevant Federal agency’’ means any of the fol-13 |
|---|
| 78 | 78 | | lowing Federal agencies that guarantee or make di-14 |
|---|
| 79 | 79 | | rect mortgage loans on Indian land: 15 |
|---|
| 80 | 80 | | (A) The Department of Agriculture. 16 |
|---|
| 81 | 81 | | (B) The Department of Housing and 17 |
|---|
| 82 | 82 | | Urban Development. 18 |
|---|
| 83 | 83 | | (C) The Department of Veterans Affairs. 19 |
|---|
| 84 | 84 | | (10) R |
|---|
| 85 | 85 | | IGHT-OF-WAY DOCUMENT .—The term 20 |
|---|
| 86 | 86 | | ‘‘right-of-way document’’ has the meaning given the 21 |
|---|
| 87 | 87 | | term in section 169.2 of title 25, Code of Federal 22 |
|---|
| 88 | 88 | | Regulations (as in effect on the date of enactment 23 |
|---|
| 89 | 89 | | of this Act). 24 |
|---|
| 90 | 90 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00003 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 91 | 91 | | ssavage on LAPJG3WLY3PROD with BILLS 4 |
|---|
| 92 | 92 | | •S 723 IS |
|---|
| 93 | 93 | | (11) SUBSEQUENT CERTIFIED TITLE STATUS 1 |
|---|
| 94 | 94 | | REPORT.—The term ‘‘subsequent certified title sta-2 |
|---|
| 95 | 95 | | tus report’’ means the title status report needed to 3 |
|---|
| 96 | 96 | | identify any liens against a residential, business, or 4 |
|---|
| 97 | 97 | | land lease on Indian land. 5 |
|---|
| 98 | 98 | | SEC. 3. MORTGAGE REVIEW AND PROCESSING. 6 |
|---|
| 99 | 99 | | (a) R |
|---|
| 100 | 100 | | EVIEW ANDPROCESSINGDEADLINES.— 7 |
|---|
| 101 | 101 | | (1) I |
|---|
| 102 | 102 | | N GENERAL.—As soon as practicable after 8 |
|---|
| 103 | 103 | | receiving a proposed residential leasehold mortgage, 9 |
|---|
| 104 | 104 | | business leasehold mortgage, land mortgage, or 10 |
|---|
| 105 | 105 | | right-of-way document, the applicable Bureau office 11 |
|---|
| 106 | 106 | | shall notify the lender that the proposed residential 12 |
|---|
| 107 | 107 | | leasehold mortgage, business leasehold mortgage, or 13 |
|---|
| 108 | 108 | | right-of-way document has been received. 14 |
|---|
| 109 | 109 | | (2) P |
|---|
| 110 | 110 | | RELIMINARY REVIEW.— 15 |
|---|
| 111 | 111 | | (A) I |
|---|
| 112 | 112 | | N GENERAL.—Not later than 10 cal-16 |
|---|
| 113 | 113 | | endar days after receipt of a proposed residen-17 |
|---|
| 114 | 114 | | tial leasehold mortgage, business leasehold 18 |
|---|
| 115 | 115 | | mortgage, land mortgage, or right-of-way docu-19 |
|---|
| 116 | 116 | | ment, the applicable Bureau office shall conduct 20 |
|---|
| 117 | 117 | | and complete a preliminary review of the resi-21 |
|---|
| 118 | 118 | | dential leasehold mortgage, business leasehold 22 |
|---|
| 119 | 119 | | mortgage, land mortgage, or right-of-way docu-23 |
|---|
| 120 | 120 | | ment to verify that all required documents are 24 |
|---|
| 121 | 121 | | included. 25 |
|---|
| 122 | 122 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00004 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 123 | 123 | | ssavage on LAPJG3WLY3PROD with BILLS 5 |
|---|
| 124 | 124 | | •S 723 IS |
|---|
| 125 | 125 | | (B) INCOMPLETE DOCUMENTS .—As soon 1 |
|---|
| 126 | 126 | | as practicable, but not more than 2 calendar 2 |
|---|
| 127 | 127 | | days, after finding that any required documents 3 |
|---|
| 128 | 128 | | are missing under subparagraph (A), the appli-4 |
|---|
| 129 | 129 | | cable Bureau office shall notify the lender of 5 |
|---|
| 130 | 130 | | the missing documents. 6 |
|---|
| 131 | 131 | | (3) A |
|---|
| 132 | 132 | | PPROVAL OR DISAPPROVAL .— 7 |
|---|
| 133 | 133 | | (A) L |
|---|
| 134 | 134 | | EASEHOLD MORTGAGES .—Not later 8 |
|---|
| 135 | 135 | | than 20 calendar days after receipt of a com-9 |
|---|
| 136 | 136 | | plete executed residential leasehold mortgage or 10 |
|---|
| 137 | 137 | | business leasehold mortgage, proof of required 11 |
|---|
| 138 | 138 | | consents, and other required documentation, the 12 |
|---|
| 139 | 139 | | applicable Bureau office shall approve or dis-13 |
|---|
| 140 | 140 | | approve the residential leasehold mortgage or 14 |
|---|
| 141 | 141 | | business leasehold mortgage. 15 |
|---|
| 142 | 142 | | (B) R |
|---|
| 143 | 143 | | IGHT-OF-WAY DOCUMENTS .—Not 16 |
|---|
| 144 | 144 | | later than 30 calendar days after receipt of a 17 |
|---|
| 145 | 145 | | complete executed right-of-way document, proof 18 |
|---|
| 146 | 146 | | of required consents, and other required docu-19 |
|---|
| 147 | 147 | | mentation, the applicable Bureau office shall 20 |
|---|
| 148 | 148 | | approve or disapprove the right-of-way docu-21 |
|---|
| 149 | 149 | | ment. 22 |
|---|
| 150 | 150 | | (C) L |
|---|
| 151 | 151 | | AND MORTGAGES.—Not later than 30 23 |
|---|
| 152 | 152 | | calendar days after receipt of a complete exe-24 |
|---|
| 153 | 153 | | cuted land mortgage, proof of required con-25 |
|---|
| 154 | 154 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00005 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 155 | 155 | | ssavage on LAPJG3WLY3PROD with BILLS 6 |
|---|
| 156 | 156 | | •S 723 IS |
|---|
| 157 | 157 | | sents, and other required documentation, the 1 |
|---|
| 158 | 158 | | applicable Bureau office shall approve or dis-2 |
|---|
| 159 | 159 | | approve the land mortgage. 3 |
|---|
| 160 | 160 | | (D) R |
|---|
| 161 | 161 | | EQUIREMENTS.—The determination 4 |
|---|
| 162 | 162 | | of whether to approve or disapprove a residen-5 |
|---|
| 163 | 163 | | tial leasehold mortgage or business leasehold 6 |
|---|
| 164 | 164 | | mortgage under subparagraph (A), a right-of- 7 |
|---|
| 165 | 165 | | way document under subparagraph (B), or a 8 |
|---|
| 166 | 166 | | land mortgage under subparagraph (C)— 9 |
|---|
| 167 | 167 | | (i) shall be in writing; and 10 |
|---|
| 168 | 168 | | (ii) in the case of a determination to 11 |
|---|
| 169 | 169 | | disapprove a residential leasehold mort-12 |
|---|
| 170 | 170 | | gage, business leasehold mortgage, right- 13 |
|---|
| 171 | 171 | | of-way document, or land mortgage shall, 14 |
|---|
| 172 | 172 | | state the basis for the determination. 15 |
|---|
| 173 | 173 | | (E) A |
|---|
| 174 | 174 | | PPLICATION.—This paragraph shall 16 |
|---|
| 175 | 175 | | not apply to a residential leasehold mortgage or 17 |
|---|
| 176 | 176 | | business leasehold mortgage with respect to In-18 |
|---|
| 177 | 177 | | dian land in cases in which the applicant for 19 |
|---|
| 178 | 178 | | the residential leasehold mortgage or business 20 |
|---|
| 179 | 179 | | leasehold mortgage is an Indian tribe (as de-21 |
|---|
| 180 | 180 | | fined in subsection (d) of the first section of the 22 |
|---|
| 181 | 181 | | Act of 1955 (69 Stat. 539, chapter 615; 126 23 |
|---|
| 182 | 182 | | Stat. 1150; 25 U.S.C. 415(d))) that has been 24 |
|---|
| 183 | 183 | | approved for leasing under subsection (h) of 25 |
|---|
| 184 | 184 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00006 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 185 | 185 | | ssavage on LAPJG3WLY3PROD with BILLS 7 |
|---|
| 186 | 186 | | •S 723 IS |
|---|
| 187 | 187 | | that section (69 Stat. 539, chapter 615; 126 1 |
|---|
| 188 | 188 | | Stat. 1151; 25 U.S.C. 415(h)). 2 |
|---|
| 189 | 189 | | (4) C |
|---|
| 190 | 190 | | ERTIFIED TITLE STATUS REPORTS .— 3 |
|---|
| 191 | 191 | | (A) C |
|---|
| 192 | 192 | | OMPLETION OF REPORTS .— 4 |
|---|
| 193 | 193 | | (i) I |
|---|
| 194 | 194 | | N GENERAL.—Not later than 10 5 |
|---|
| 195 | 195 | | calendar days after the applicable Bureau 6 |
|---|
| 196 | 196 | | office approves a residential leasehold 7 |
|---|
| 197 | 197 | | mortgage, business leasehold mortgage, 8 |
|---|
| 198 | 198 | | land mortgage, or right-of-way document 9 |
|---|
| 199 | 199 | | under paragraph (3), the applicable Bu-10 |
|---|
| 200 | 200 | | reau office shall complete the processing 11 |
|---|
| 201 | 201 | | of, as applicable— 12 |
|---|
| 202 | 202 | | (I) a first certified title status re-13 |
|---|
| 203 | 203 | | port, if a first certified title status re-14 |
|---|
| 204 | 204 | | port was not completed prior to the 15 |
|---|
| 205 | 205 | | approval of the residential leasehold 16 |
|---|
| 206 | 206 | | mortgage, business leasehold mort-17 |
|---|
| 207 | 207 | | gage, land mortgage, or right-of-way 18 |
|---|
| 208 | 208 | | document; and 19 |
|---|
| 209 | 209 | | (II) a subsequent certified title 20 |
|---|
| 210 | 210 | | status report. 21 |
|---|
| 211 | 211 | | (ii) R |
|---|
| 212 | 212 | | EQUESTS FOR FIRST CERTIFIED 22 |
|---|
| 213 | 213 | | TITLE STATUS REPORTS .—Notwith-23 |
|---|
| 214 | 214 | | standing clause (i), not later than 14 cal-24 |
|---|
| 215 | 215 | | endar days after the applicable Bureau of-25 |
|---|
| 216 | 216 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00007 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 217 | 217 | | ssavage on LAPJG3WLY3PROD with BILLS 8 |
|---|
| 218 | 218 | | •S 723 IS |
|---|
| 219 | 219 | | fice receives a request for a first certified 1 |
|---|
| 220 | 220 | | title status report from an applicant for a 2 |
|---|
| 221 | 221 | | residential leasehold mortgage, business 3 |
|---|
| 222 | 222 | | leasehold mortgage, land mortgage, or 4 |
|---|
| 223 | 223 | | right-of-way document under paragraph 5 |
|---|
| 224 | 224 | | (1), the applicable Bureau office shall com-6 |
|---|
| 225 | 225 | | plete the processing of the first certified 7 |
|---|
| 226 | 226 | | title status report. 8 |
|---|
| 227 | 227 | | (B) N |
|---|
| 228 | 228 | | OTICE.— 9 |
|---|
| 229 | 229 | | (i) I |
|---|
| 230 | 230 | | N GENERAL.—As soon as prac-10 |
|---|
| 231 | 231 | | ticable after completion of the processing 11 |
|---|
| 232 | 232 | | of, as applicable, a first certified title sta-12 |
|---|
| 233 | 233 | | tus report or a subsequent certified title 13 |
|---|
| 234 | 234 | | status report under subparagraph (A), but 14 |
|---|
| 235 | 235 | | by not later than the applicable deadline 15 |
|---|
| 236 | 236 | | described in that subparagraph, the appli-16 |
|---|
| 237 | 237 | | cable Bureau office shall give notice of the 17 |
|---|
| 238 | 238 | | completion to the lender. 18 |
|---|
| 239 | 239 | | (ii) F |
|---|
| 240 | 240 | | ORM OF NOTICE.—The applica-19 |
|---|
| 241 | 241 | | ble Bureau office shall give notice under 20 |
|---|
| 242 | 242 | | clause (i)— 21 |
|---|
| 243 | 243 | | (I) electronically through secure, 22 |
|---|
| 244 | 244 | | encryption software; and 23 |
|---|
| 245 | 245 | | (II) through the United States 24 |
|---|
| 246 | 246 | | mail. 25 |
|---|
| 247 | 247 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00008 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 248 | 248 | | ssavage on LAPJG3WLY3PROD with BILLS 9 |
|---|
| 249 | 249 | | •S 723 IS |
|---|
| 250 | 250 | | (iii) OPTION TO OPT OUT.—The lend-1 |
|---|
| 251 | 251 | | er may opt out of receiving notice elec-2 |
|---|
| 252 | 252 | | tronically under clause (ii)(I). 3 |
|---|
| 253 | 253 | | (b) N |
|---|
| 254 | 254 | | OTICES.— 4 |
|---|
| 255 | 255 | | (1) I |
|---|
| 256 | 256 | | N GENERAL.—If the applicable Bureau of-5 |
|---|
| 257 | 257 | | fice does not complete the review and processing of 6 |
|---|
| 258 | 258 | | mortgage packages under subsection (a) (including 7 |
|---|
| 259 | 259 | | any corresponding first certified title status report 8 |
|---|
| 260 | 260 | | or subsequent certified title status report under 9 |
|---|
| 261 | 261 | | paragraph (4) of that subsection) by the applicable 10 |
|---|
| 262 | 262 | | deadline described in that subsection, immediately 11 |
|---|
| 263 | 263 | | after missing the deadline, the applicable Bureau of-12 |
|---|
| 264 | 264 | | fice shall provide notice of the delay in review and 13 |
|---|
| 265 | 265 | | processing to— 14 |
|---|
| 266 | 266 | | (A) the party that submitted the mortgage 15 |
|---|
| 267 | 267 | | package or requested the first certified title sta-16 |
|---|
| 268 | 268 | | tus report; and 17 |
|---|
| 269 | 269 | | (B) the lender for which the mortgage 18 |
|---|
| 270 | 270 | | package (including any corresponding first cer-19 |
|---|
| 271 | 271 | | tified title status report or subsequent certified 20 |
|---|
| 272 | 272 | | title status report) is being requested. 21 |
|---|
| 273 | 273 | | (2) R |
|---|
| 274 | 274 | | EQUESTS FOR UPDATES .—In addition to 22 |
|---|
| 275 | 275 | | providing the notices required under paragraph (1), 23 |
|---|
| 276 | 276 | | not later than 2 calendar days after receiving a rel-24 |
|---|
| 277 | 277 | | evant inquiry with respect to a submitted mortgage 25 |
|---|
| 278 | 278 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00009 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 279 | 279 | | ssavage on LAPJG3WLY3PROD with BILLS 10 |
|---|
| 280 | 280 | | •S 723 IS |
|---|
| 281 | 281 | | package from the party that submitted the mortgage 1 |
|---|
| 282 | 282 | | package or the lender for which the mortgage pack-2 |
|---|
| 283 | 283 | | age (including any corresponding first certified title 3 |
|---|
| 284 | 284 | | status report or subsequent certified title status re-4 |
|---|
| 285 | 285 | | port) is being requested or an inquiry with respect 5 |
|---|
| 286 | 286 | | to a requested first certified title status report from 6 |
|---|
| 287 | 287 | | the party that requested the first certified title sta-7 |
|---|
| 288 | 288 | | tus report, the applicable Bureau office shall re-8 |
|---|
| 289 | 289 | | spond to the inquiry. 9 |
|---|
| 290 | 290 | | (c) D |
|---|
| 291 | 291 | | ELIVERY OFFIRST ANDSUBSEQUENT CER-10 |
|---|
| 292 | 292 | | TIFIEDTITLESTATUSREPORTS.—Notwithstanding any 11 |
|---|
| 293 | 293 | | other provision of law, any first certified title status report 12 |
|---|
| 294 | 294 | | and any subsequent certified title status report, as appli-13 |
|---|
| 295 | 295 | | cable, shall be delivered directly to— 14 |
|---|
| 296 | 296 | | (1) the lender; 15 |
|---|
| 297 | 297 | | (2) any local or regional agency office of the 16 |
|---|
| 298 | 298 | | Bureau that requests the first certified title status 17 |
|---|
| 299 | 299 | | report or subsequent certified title status report; 18 |
|---|
| 300 | 300 | | (3) in the case of a proposed residential lease-19 |
|---|
| 301 | 301 | | hold mortgage or land mortgage, the relevant Fed-20 |
|---|
| 302 | 302 | | eral agency that insures or guarantees the loan; and 21 |
|---|
| 303 | 303 | | (4) if requested, any individual or entity de-22 |
|---|
| 304 | 304 | | scribed in section 150.303 of title 25, Code of Fed-23 |
|---|
| 305 | 305 | | eral Regulations (as in effect on the date of enact-24 |
|---|
| 306 | 306 | | ment of this Act). 25 |
|---|
| 307 | 307 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00010 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 308 | 308 | | ssavage on LAPJG3WLY3PROD with BILLS 11 |
|---|
| 309 | 309 | | •S 723 IS |
|---|
| 310 | 310 | | (d) ACCESS TOTRUSTASSET ANDACCOUNTING 1 |
|---|
| 311 | 311 | | M |
|---|
| 312 | 312 | | ANAGEMENT SYSTEM(TAAMS).—Beginning on the 2 |
|---|
| 313 | 313 | | date of enactment of this Act, the relevant Federal agen-3 |
|---|
| 314 | 314 | | cies and Indian Tribes shall have read-only access to por-4 |
|---|
| 315 | 315 | | tals containing the relevant land documents from the 5 |
|---|
| 316 | 316 | | Trust Asset and Accounting Management System (com-6 |
|---|
| 317 | 317 | | monly known as ‘‘TAAMS’’) maintained by the Bureau. 7 |
|---|
| 318 | 318 | | (e) A |
|---|
| 319 | 319 | | NNUALREPORT.— 8 |
|---|
| 320 | 320 | | (1) I |
|---|
| 321 | 321 | | N GENERAL.—Not later than March 1 of 9 |
|---|
| 322 | 322 | | each calendar year, the Director shall submit to the 10 |
|---|
| 323 | 323 | | Committee on Indian Affairs of the Senate and the 11 |
|---|
| 324 | 324 | | Committee on Natural Resources of the House of 12 |
|---|
| 325 | 325 | | Representatives a report describing— 13 |
|---|
| 326 | 326 | | (A) for the most recent calendar year, the 14 |
|---|
| 327 | 327 | | number of requests received to complete resi-15 |
|---|
| 328 | 328 | | dential leasehold mortgage packages, business 16 |
|---|
| 329 | 329 | | leasehold mortgage packages, land mortgage 17 |
|---|
| 330 | 330 | | packages, and right-of-way document packages 18 |
|---|
| 331 | 331 | | (including any requests for corresponding first 19 |
|---|
| 332 | 332 | | certified title status reports and subsequent cer-20 |
|---|
| 333 | 333 | | tified title status reports), including a detailed 21 |
|---|
| 334 | 334 | | description of— 22 |
|---|
| 335 | 335 | | (i) requests that were and were not 23 |
|---|
| 336 | 336 | | successfully completed by the applicable 24 |
|---|
| 337 | 337 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00011 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 338 | 338 | | ssavage on LAPJG3WLY3PROD with BILLS 12 |
|---|
| 339 | 339 | | •S 723 IS |
|---|
| 340 | 340 | | deadline described in subsection (a) by 1 |
|---|
| 341 | 341 | | each applicable Bureau office; and 2 |
|---|
| 342 | 342 | | (ii) the reasons for each applicable 3 |
|---|
| 343 | 343 | | Bureau office not meeting any applicable 4 |
|---|
| 344 | 344 | | deadlines; and 5 |
|---|
| 345 | 345 | | (B) the length of time needed by each ap-6 |
|---|
| 346 | 346 | | plicable Bureau office during the most recent 7 |
|---|
| 347 | 347 | | calendar year to provide the notices required 8 |
|---|
| 348 | 348 | | under subsection (b)(1). 9 |
|---|
| 349 | 349 | | (2) R |
|---|
| 350 | 350 | | EQUIREMENT.—In submitting the report 10 |
|---|
| 351 | 351 | | required under paragraph (1), the Director shall 11 |
|---|
| 352 | 352 | | maintain the confidentiality of personally identifiable 12 |
|---|
| 353 | 353 | | information of the parties involved in requesting the 13 |
|---|
| 354 | 354 | | completion of residential leasehold mortgage pack-14 |
|---|
| 355 | 355 | | ages, business leasehold mortgage packages, land 15 |
|---|
| 356 | 356 | | mortgage packages, and right-of-way document 16 |
|---|
| 357 | 357 | | packages (including any corresponding first certified 17 |
|---|
| 358 | 358 | | title status reports and subsequent certified title sta-18 |
|---|
| 359 | 359 | | tus reports). 19 |
|---|
| 360 | 360 | | (f) GAO S |
|---|
| 361 | 361 | | TUDY.—Not later than 1 year after the 20 |
|---|
| 362 | 362 | | date of enactment of this Act, the Comptroller General 21 |
|---|
| 363 | 363 | | of the United States shall submit to the Committee on 22 |
|---|
| 364 | 364 | | Indian Affairs of the Senate and the Committee on Nat-23 |
|---|
| 365 | 365 | | ural Resources of the House of Representatives a report 24 |
|---|
| 366 | 366 | | that includes— 25 |
|---|
| 367 | 367 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00012 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 368 | 368 | | ssavage on LAPJG3WLY3PROD with BILLS 13 |
|---|
| 369 | 369 | | •S 723 IS |
|---|
| 370 | 370 | | (1) an evaluation of the need for residential 1 |
|---|
| 371 | 371 | | leasehold mortgage packages, business leasehold 2 |
|---|
| 372 | 372 | | mortgage packages, land mortgage packages, and 3 |
|---|
| 373 | 373 | | right-of-way document packages of each Indian 4 |
|---|
| 374 | 374 | | Tribe to be digitized for the purpose of streamlining 5 |
|---|
| 375 | 375 | | and expediting the completion of mortgage packages 6 |
|---|
| 376 | 376 | | for residential mortgages on Indian land (including 7 |
|---|
| 377 | 377 | | the corresponding first certified title status reports 8 |
|---|
| 378 | 378 | | and subsequent certified title status reports); and 9 |
|---|
| 379 | 379 | | (2) an estimate of the time and total cost nec-10 |
|---|
| 380 | 380 | | essary for Indian Tribes to digitize the records de-11 |
|---|
| 381 | 381 | | scribed in paragraph (1), in conjunction with assist-12 |
|---|
| 382 | 382 | | ance in that digitization from the Bureau. 13 |
|---|
| 383 | 383 | | SEC. 4. ESTABLISHMENT OF REALTY OMBUDSMAN POSI-14 |
|---|
| 384 | 384 | | TION. 15 |
|---|
| 385 | 385 | | (a) I |
|---|
| 386 | 386 | | NGENERAL.—The Director shall establish with-16 |
|---|
| 387 | 387 | | in the Division of Real Estate Services of the Bureau the 17 |
|---|
| 388 | 388 | | position of Realty Ombudsman, who shall report directly 18 |
|---|
| 389 | 389 | | to the Secretary of the Interior. 19 |
|---|
| 390 | 390 | | (b) F |
|---|
| 391 | 391 | | UNCTIONS.—The Realty Ombudsman shall— 20 |
|---|
| 392 | 392 | | (1) ensure that the applicable Bureau offices 21 |
|---|
| 393 | 393 | | are meeting the mortgage review and processing 22 |
|---|
| 394 | 394 | | deadlines established by section 3(a); 23 |
|---|
| 395 | 395 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00013 Fmt 6652 Sfmt 6201 E:\BILLS\S723.IS S723 |
|---|
| 396 | 396 | | ssavage on LAPJG3WLY3PROD with BILLS 14 |
|---|
| 397 | 397 | | •S 723 IS |
|---|
| 398 | 398 | | (2) ensure that the applicable Bureau offices 1 |
|---|
| 399 | 399 | | comply with the notices required under subsections 2 |
|---|
| 400 | 400 | | (a) and (b) of section 3; 3 |
|---|
| 401 | 401 | | (3) serve as a liaison to other Federal agencies, 4 |
|---|
| 402 | 402 | | including by— 5 |
|---|
| 403 | 403 | | (A) ensuring the Bureau is responsive to 6 |
|---|
| 404 | 404 | | all of the inquiries from the relevant Federal 7 |
|---|
| 405 | 405 | | agencies; and 8 |
|---|
| 406 | 406 | | (B) helping to facilitate communications 9 |
|---|
| 407 | 407 | | between the relevant Federal agencies and the 10 |
|---|
| 408 | 408 | | Bureau on matters relating to mortgages on In-11 |
|---|
| 409 | 409 | | dian land; 12 |
|---|
| 410 | 410 | | (4) receive inquiries, questions, and complaints 13 |
|---|
| 411 | 411 | | directly from Indian Tribes, members of Indian 14 |
|---|
| 412 | 412 | | Tribes, and lenders in regard to executed residential 15 |
|---|
| 413 | 413 | | leasehold mortgages, business leasehold mortgages, 16 |
|---|
| 414 | 414 | | land mortgages, or right-of-way documents; and 17 |
|---|
| 415 | 415 | | (5) serve as the intermediary between the In-18 |
|---|
| 416 | 416 | | dian Tribes, members of Indian Tribes, and lenders 19 |
|---|
| 417 | 417 | | and the Bureau in responding to inquiries and ques-20 |
|---|
| 418 | 418 | | tions and resolving complaints. 21 |
|---|
| 419 | 419 | | Æ |
|---|
| 420 | 420 | | VerDate Sep 11 2014 22:00 Mar 03, 2025 Jkt 059200 PO 00000 Frm 00014 Fmt 6652 Sfmt 6301 E:\BILLS\S723.IS S723 |
|---|
| 421 | 421 | | ssavage on LAPJG3WLY3PROD with BILLS |
|---|