#aai? ,,congress  #a/ ,session  ,s4 #gbc
  ,,an ,,act  ,to require ! ,bureau (   
,indian ,affairs to process & complete  
all mortgage packages associat$ )       
resid5tial & bus9ess mortgages on       
,indian l& by c]ta9 deadl9es1 & = o!r   
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,tribal ,tru/ ,l&          
,home[n]%ip ,act ( #bjbe4  #b4          
,def9itions ,9 ?is ,act3 7#a7           
,applicable ,bureau (fice ,! t]m        
applicable ,bureau (fice means-- 7,a7 a 
,regional (fice ( ! ,bureau2  7,b7 an   
,ag5cy (fice ( ! ,bureau2 or  7,c7 a ,l&
 ,titles & ,records ,(fice ( ! ,bureau4 
7#b7 ,bureau ,! t]m ,bureau means !     
,bureau ( ,indian ,affairs4  7#c7       
,director ,! t]m ,director means !      
,director ( ! ,bureau4  7#d7 ,fir/      
c]tifi$ title /atus report ,! t]m fir/  
c]tifi$ title /atus report means ! title
 /atus report ne$$ to v]ify title /atus 
on ,indian l&4  7#e7 ,indian l& ,! t]m  
,indian l& has ! mean+ giv5 ! t]m 9     
section #afb4jjc ( title #be1 ,code (   

,f$]al ,regulations 7z 9 effect on !    
date ( enactm5t ( ?is ,act74  7#f7 ,l&  
mortgage ,! t]m l& mortgage means a     
mortgage obta9$ by an individual ,indian
 :o owns a tract ( tru/ l& = ! purpose  
(-- 7,a7 home acquisition2  7,b7 home   
con/ruction2  7,c7 home improvem5ts2 or 
7,d7 economic developm5t4  7#g7         
,leasehold mortgage ,! t]m leasehold    
mortgage means a mortgage1 de$ ( tru/1  
or o!r in/rum5t t pl$ges ! leasehold    
int]e/ ( a lessee z security = a debt or
 o!r obligation ow$ by ! lessee to a    
l5d] or o!r mortgagee4  7#h7 ,mortgage  
package ,! t]m mortgage package means a 
propos$ resid5tial leasehold mortgage1  
bus9ess leasehold mortgage1 l& mortgage1
 or "r-(-way docum5t submitt$ to an     
applicable ,bureau (fice "u section     
#c7;a77#a74  7#i7 ,relevant ,f$]al ag5cy
 ,! t]m relevant ,f$]al ag5cy means any 
( ! foll[+ ,f$]al ag5cies t gu>antee or 
make direct mortgage loans on ,indian   
l&3 7,a7 ,! ,dep>tm5t ( ,agriculture4   
7,b7 ,! ,dep>tm5t ( ,h\s+ & ,urban      

,developm5t4  7,c7 ,! ,dep>tm5t (       
,vet]ans ,affairs4  7#aj7 ,"r-(-way     
docum5t ,! t]m "r-(-way docum5t has !   
mean+ giv5 ! t]m 9 section #afi4b (     
title #be1 ,code ( ,f$]al ,regulations  
7z 9 effect on ! date ( enactm5t ( ?is  
,act74  7#aa7 ,subsequ5t c]tifi$ title  
/atus report ,! t]m subsequ5t c]tifi$   
title /atus report means ! title /atus  
report ne$$ to id5tify any li5s aga9/ a 
resid5tial1 bus9ess1 or l& lease on     
,indian l&4  #c4 ,mortgage review &     
process+  7a7 ,review & process+        
deadl9es  7#a7 ,9 g5]al ,z soon z       
practicable aft] receiv+ a propos$      
resid5tial leasehold mortgage1 bus9ess  
leasehold mortgage1 l& mortgage1 or     
"r-(-way docum5t1 ! applicable ,bureau  
(fice %all notify ! l5d] t ! propos$    
resid5tial leasehold mortgage1 bus9ess  
leasehold mortgage1 or "r-(-way docum5t 
has be5 receiv$4  7#b7 ,prelim9>y review
  7,a7 ,9 g5]al ,n lat] ?an #aj cal5d>  
days aft] receipt ( a propos$ resid5tial
 leasehold mortgage1 bus9ess leasehold  

mortgage1 l& mortgage1 or "r-(-way      
docum5t1 ! applicable ,bureau (fice %all
 conduct & complete a prelim9>y review (
 ! resid5tial leasehold mortgage1       
bus9ess leasehold mortgage1 l& mortgage1
 or "r-(-way docum5t to v]ify t all     
requir$ docum5ts are includ$4  7,b7     
,incomplete docum5ts ,z soon z          
practicable1 b n m ?an #b cal5d> days1  
aft] f9d+ t any requir$ docum5ts are    
miss+ "u subp>agraph 7,a71 ! applicable 
,bureau (fice %all notify ! l5d] ( !    
miss+ docum5ts4  7#c7 ,approval or      
disapproval  7,a7 ,leasehold mortgages  
,n lat] ?an #bj cal5d> days aft] receipt
 ( a complete execut$ resid5tial        
leasehold mortgage or bus9ess leasehold 
mortgage1 pro( ( requir$ cons5ts1 & o!r 
requir$ docum5tation1 ! applicable      
,bureau (fice %all approve or disapprove
 ! resid5tial leasehold mortgage or     
bus9ess leasehold mortgage4  7,b7       
,"r-(-way docum5ts ,n lat] ?an #cj      
cal5d> days aft] receipt ( a complete   
execut$ "r-(-way docum5t1 pro( ( requir$

 cons5ts1 & o!r requir$ docum5tation1 ! 
applicable ,bureau (fice %all approve or
 disapprove ! "r-(-way docum5t4  7,c7   
,l& ,mortgages ,n lat] ?an #cj cal5d>   
days aft] receipt ( a complete execut$  
l& mortgage1 pro( ( requir$ cons5ts1 &  
o!r requir$ docum5tation1 ! applicable  
,bureau (fice %all approve or disapprove
 ! l& mortgage4  7,d7 ,requirem5ts ,!   
det]m9ation ( :e!r to approve or        
disapprove a resid5tial leasehold       
mortgage or bus9ess leasehold mortgage  
"u subp>agraph 7,a71 a "r-(-way docum5t 
"u subp>agraph 7,b71 or a l& mortgage "u
 subp>agraph 7,c7-- 7i7 %all be 9 writ+2
 &  7ii7 9 ! case ( a det]m9ation to    
disapprove a resid5tial leasehold       
mortgage1 bus9ess leasehold mortgage1   
"r-(-way docum5t1 or l& mortgage %all1  
/ate ! basis = ! det]m9ation4  7,e7     
,application ,?is p>agraph %all n apply 
to a resid5tial leasehold mortgage or   
bus9ess leasehold mortgage ) respect to 
,indian l& 9 cases 9 :i* ! applicant = !
 resid5tial leasehold mortgage or       

bus9ess leasehold mortgage is an ,indian
 tribe 7z def9$ 9 subsection 7d7 ( !    
fir/ section ( ! ,act ( #aiee 7#fi ,/at4
 #eci1 *apt] #fae2 #abf ,/at4 #aaej2 #be
 ,u4,s4,c4 #dae7;d777 t has be5 approv$ 
= leas+ "u subsection 7h7 ( t section   
7#fi ,/at4 #eci1 *apt] #fae2 #abf ,/at4 
#aaea2 #be ,u4,s4,c4 #dae7;h774  7#d7   
,c]tifi$ title /atus reports  7,a7      
,completion ( reports  7i7 ,9 g5]al ,n  
lat] ?an #aj cal5d> days aft] !         
applicable ,bureau (fice approves a     
resid5tial leasehold mortgage1 bus9ess  
leasehold mortgage1 l& mortgage1 or     
"r-(-way docum5t "u p>agraph 7#c71 !    
applicable ,bureau (fice %all complete !
 process+ (1 z applicable-- 7,i7 a fir/ 
c]tifi$ title /atus report1 if a fir/   
c]tifi$ title /atus report 0 n complet$ 
prior to ! approval ( ! resid5tial      
leasehold mortgage1 bus9ess leasehold   
mortgage1 l& mortgage1 or "r-(-way      
docum5t2 &  7,,ii7 a subsequ5t c]tifi$  
title /atus report4  7ii7 ,reque/s =    
fir/ c]tifi$ title /atus reports        

,not)/&+ clause 7i71 n lat] ?an #ad     
cal5d> days aft] ! applicable ,bureau   
(fice receives a reque/ = a fir/ c]tifi$
 title /atus report f an applicant = a  
resid5tial leasehold mortgage1 bus9ess  
leasehold mortgage1 l& mortgage1 or     
"r-(-way docum5t "u p>agraph 7#a71 !    
applicable ,bureau (fice %all complete !
 process+ ( ! fir/ c]tifi$ title /atus  
report4  7,b7 ,notice  7i7 ,9 g5]al ,z  
soon z practicable aft] completion ( !  
process+ (1 z applicable1 a fir/ c]tifi$
 title /atus report or a subsequ5t      
c]tifi$ title /atus report "u           
subp>agraph 7,a71 b by n lat] ?an !     
applicable deadl9e describ$ 9 t         
subp>agraph1 ! applicable ,bureau (fice 
%all give notice ( ! completion to !    
l5d]4  7ii7 ,=m ( notice ,! applicable  
,bureau (fice %all give notice "u clause
 7i7-- 7,i7 electronically ?r\gh secure1
 encryption s(tw>e2 &  7,,ii7 ?r\gh !   
,unit$ ,/ates mail4  7iii7 ,option to   
opt out ,! l5d] may opt out ( receiv+   
notice electronically "u clause         

7ii77,i74  7b7 ,notices  7#a7 ,9 g5]al  
,if ! applicable ,bureau (fice does n   
complete ! review & process+ ( mortgage 
packages "u subsection 7a7 7includ+ any 
correspond+ fir/ c]tifi$ title /atus    
report or subsequ5t c]tifi$ title /atus 
report "u p>agraph 7#d7 ( t subsection7 
by ! applicable deadl9e describ$ 9 t    
subsection1 imm$iately aft] miss+ !     
deadl9e1 ! applicable ,bureau (fice %all
 provide notice ( ! delay 9 review &    
process+ to-- 7,a7 ! p>ty t submitt$ !  
mortgage package or reque/$ ! fir/      
c]tifi$ title /atus report2 &  7,b7 !   
l5d] = :i* ! mortgage package 7includ+  
any correspond+ fir/ c]tifi$ title /atus
 report or subsequ5t c]tifi$ title /atus
 report7 is be+ reque/$4  7#b7 ,reque/s 
= updates ,9 addition to provid+ !      
notices requir$ "u p>agraph 7#a71 n lat]
 ?an #b cal5d> days aft] receiv+ a      
relevant inquiry ) respect to a submitt$
 mortgage package f ! p>ty t submitt$ ! 
mortgage package or ! l5d] = :i* !      
mortgage package 7includ+ any           

correspond+ fir/ c]tifi$ title /atus    
report or subsequ5t c]tifi$ title /atus 
report7 is be+ reque/$ or an inquiry )  
respect to a reque/$ fir/ c]tifi$ title 
/atus report f ! p>ty t reque/$ ! fir/  
c]tifi$ title /atus report1 ! applicable
 ,bureau (fice %all respond to !        
inquiry4  7c7 ,deliv]y ( fir/ &         
subsequ5t c]tifi$ title /atus reports   
,not)/&+ any o!r provision ( law1 any   
fir/ c]tifi$ title /atus report & any   
subsequ5t c]tifi$ title /atus report1 z 
applicable1 %all be deliv]$ directly    
to-- 7#a7 ! l5d]2  7#b7 any local or    
regional ag5cy (fice ( ! ,bureau t      
reque/s ! fir/ c]tifi$ title /atus      
report or subsequ5t c]tifi$ title /atus 
report2  7#c7 9 ! case ( a propos$      
resid5tial leasehold mortgage or l&     
mortgage1 ! relevant ,f$]al ag5cy t     
insures or gu>antees ! loan2 &  7#d7 if 
reque/$1 any individual or entity       
describ$ 9 section #aej4cjc ( title #be1
 ,code ( ,f$]al ,regulations 7z 9 effect
 on ! date ( enactm5t ( ?is ,act74  7d7 

,access to tru/ asset & acc\nt+         
managem5t sy/em 7,,taams7 ,beg9n+ on !  
date ( enactm5t ( ?is ,act1 ! relevant  
,f$]al ag5cies & ,indian ,tribes %all h 
read-only access to portals conta9+ !   
relevant l& docum5ts f ! ,tru/ ,asset & 
,acc\nt+ ,managem5t ,sy/em 7commonly    
kn[n z ,,taams7 ma9ta9$ by ! ,bureau4   
7e7 ,annual report  7#a7 ,9 g5]al ,n    
lat] ?an ,m>* #a ( ea* cal5d> ye>1 !    
,director %all submit to ! ,committee on
 ,indian ,affairs ( ! ,s5ate & !        
,committee on ,natural ,res\rces ( !    
,h\se ( ,repres5tatives a report        
describ+-- 7,a7 = ! mo/ rec5t cal5d>    
ye>1 ! numb] ( reque/s receiv$ to       
complete resid5tial leasehold mortgage  
packages1 bus9ess leasehold mortgage    
packages1 l& mortgage packages1 &       
"r-(-way docum5t packages 7includ+ any  
reque/s = correspond+ fir/ c]tifi$ title
 /atus reports & subsequ5t c]tifi$ title
 /atus reports71 includ+ a detail$      
description (-- 7i7 reque/s t 7 & 7 n   
successfully complet$ by ! applicable   

deadl9e describ$ 9 subsection 7a7 by ea*
 applicable ,bureau (fice2 &  7ii7 !    
reasons = ea* applicable ,bureau (fice n
 meet+ any applicable deadl9es2 &  7,b7 
! l5g? ( "t ne$$ by ea* applicable      
,bureau (fice dur+ ! mo/ rec5t cal5d>   
ye> to provide ! notices requir$ "u     
subsection 7b77#a74  7#b7 ,requirem5t ,9
 submitt+ ! report requir$ "u p>agraph  
7#a71 ! ,director %all ma9ta9 !         
confid5tiality ( p]sonally id5tifiable  
in=mation ( ! p>ties involv$ 9 reque/+ !
 completion ( resid5tial leasehold      
mortgage packages1 bus9ess leasehold    
mortgage packages1 l& mortgage packages1
 & "r-(-way docum5t packages 7includ+   
any correspond+ fir/ c]tifi$ title /atus
 reports & subsequ5t c]tifi$ title /atus
 reports74  7f7 ,,gao /udy ,n lat] ?an  
#a ye> aft] ! date ( enactm5t ( ?is     
,act1 ! ,comptroll] ,g5]al ( ! ,unit$   
,/ates %all submit to ! ,committee on   
,indian ,affairs ( ! ,s5ate & !         
,committee on ,natural ,res\rces ( !    
,h\se ( ,repres5tatives a report t      

includes-- 7#a7 an evaluation ( ! ne$ = 
resid5tial leasehold mortgage packages1 
bus9ess leasehold mortgage packages1 l& 
mortgage packages1 & "r-(-way docum5t   
packages ( ea* ,indian ,tribe to be     
digitiz$ = ! purpose ( /reaml9+ &       
exp$it+ ! completion ( mortgage packages
 = resid5tial mortgages on ,indian l&   
7includ+ ! correspond+ fir/ c]tifi$     
title /atus reports & subsequ5t c]tifi$ 
title /atus reports72 &  7#b7 an e/imate
 ( ! "t & total co/ necess>y = ,indian  
,tribes to digitize ! records describ$ 9
 p>agraph 7#a71 9 conjunction )         
assi/ance 9 t digitization f ! ,bureau4 
#d4 ,e/abli%m5t ( ,realty ,ombudsman    
position  7a7 ,9 g5]al ,! ,director %all
 e/abli% )9 ! ,division ( ,real ,e/ate  
,s]vices ( ! ,bureau ! position (       
,realty ,ombudsman1 :o %all report      
directly to ! ,secret>y ( ! ,int]ior4   
7b7 ,functions ,! ,realty ,ombudsman    
%all-- 7#a7 ensure t ! applicable       
,bureau (fices are meet+ ! mortgage     
review & process+ deadl9es e/abli%$ by  

section #c7;a72  7#b7 ensure t !        
applicable ,bureau (fices comply ) !    
notices requir$ "u subsections 7a7 & 7b7
 ( section #c2  7#c7 s]ve z a liaison to
 o!r ,f$]al ag5cies1 includ+ by-- 7,a7  
ensur+ ! ,bureau is responsive to all ( 
! inquiries f ! relevant ,f$]al ag5cies2
 &  7,b7 help+ to facilitate            
communications betwe5 ! relevant ,f$]al 
ag5cies & ! ,bureau on matt]s relat+ to 
mortgages on ,indian l&2  7#d7 receive  
inquiries1 que/ions1 & compla9ts        
directly f ,indian ,tribes1 memb]s (    
,indian ,tribes1 & l5d]s 9 reg>d to     
execut$ resid5tial leasehold mortgages1 
bus9ess leasehold mortgages1 l&         
mortgages1 or "r-(-way docum5ts2 &  7#e7
 s]ve z ! int]m$i>y betwe5 ! ,indian    
,tribes1 memb]s ( ,indian ,tribes1 &    
l5d]s & ! ,bureau 9 respond+ to         
inquiries & que/ions & resolv+          
compla9ts4  ,pass$ ! ,s5ate ,decemb]    
#aa1 #bjbe4,secret>y