Housing (Tribal Nations)

The Native American Housing Assistance and Self-Determination Modernization Act of 2026 reauthorizes federal housing assistance for Indian tribes and Native Hawaiians through fiscal year 2033 while expanding eligibility to include families with incomes up to 120 percent of the area median. The bill grants tribes greater autonomy by allowing them to set their own rent, procurement, and environmental review policies, and it streamlines regulatory processes by consolidating environmental reviews and exempting certain small-scale projects from specific federal requirements. Additionally, the legislation establishes new grant programs for homeless American Indians, Alaska Natives, and Native Hawaiians, creates a rental assistance program for homeless Indian veterans, and extends leasehold interests on trust lands to 99 years to improve financing options.

The Native American Housing Assistance and Self-Determination Modernization Act of 2026 aims to update and improve federal housing programs for Indian tribes, tribally designated housing entities, and Native Hawaiian communities. The bill streamlines environmental reviews, increases flexibility for these entities in managing housing funds, and raises income limits for certain homeownership assistance. It also establishes new pilot programs to address homelessness among Native Americans

This bill modernizes housing assistance programs for Native American tribes and Native Hawaiians by streamlining environmental reviews, extending funding authorization through 2032, and expanding loan guarantee options. Key provisions include consolidating environmental review requirements to reduce paperwork for tribes, allowing 99-year leasehold interests on trust lands for housing, and creating new rental assistance specifically for homeless or at-risk Native American veterans. The legislation also clarifies rent rules, waives certain housing counseling certifications for tribal entities, exempts tribal housing projects from some federal civil rights and Buy America requirements, and establishes a direct loan guarantee process for tribal housing projects.

This bill reduces local matching requirements by 50% for counties where over half the land is federally owned and the population is under 100,000 (called "High-Density Public Land Counties"). It applies to USDA rural development grants like those for business growth, community facilities, broadband, and telemedicine. The bill also gives priority to these counties for grant approval and provides extra technical assistance to help them apply. Tribal governments within these counties also receive targeted support for barriers like complex applications or financial requirements.

The Lumbee Fairness Act would grant federal recognition to the Lumbee Tribe of North Carolina, a status they have sought for decades. This recognition would make the tribe and its members eligible for all federal services and benefits provided to federally recognized tribes, including healthcare, housing, and education programs. The bill designates Robeson, Cumberland, Hoke, and Scotland counties in North Carolina as the tribe's service area for delivering these benefits, treating them as if they were on a reservation. It also authorizes the tribe to take land into trust and clarifies jurisdictional relationships with North Carolina regarding tribal lands.

This bill grants federal recognition to the Grand River Bands of Ottawa Indians of Michigan, a tribe that has sought recognition since filing a petition in 2000. It affirms their status as a federally recognized tribe, making them eligible for all federal services and benefits (including social services, education, housing, and elder care) regardless of reservation status or member location. Key provisions include requiring the tribe to submit a membership roll within 18 months and authorizing the Secretary of the Interior to acquire land in specified Michigan counties for the tribe’s trust. The bill addresses decades-long delays in recognition that prevented the tribe from accessing federal resources.

This bill would grant the Haliwa Saponi Indian Tribe of North Carolina full federal recognition, extending the same government-to-government relationship and federal services available to other federally recognized tribes. It directly affects the Tribe’s members in Halifax, Warren, Nash, Franklin, Vance, and Granville counties by making them eligible for all federal programs (like education, housing, and healthcare) without requiring a reservation. Key provisions include removing the reservation requirement for service access and formalizing the Tribe’s membership roll for benefit eligibility. The bill does not alter existing tribal governance or land ownership but ensures consistent access to federal resources. This recognition would align the Tribe with other federally recognized tribes under U.S. law.

Tribal Trust Land Homeownership Act of 2025 This act sets forth requirements for the processing of a proposed residential leasehold mortgage, business leasehold mortgage, land mortgage, or right-of-way document by the Bureau of Indian Affairs (BIA). The BIA must notify lenders upon receipt of such documentation, perform a preliminary review of such documents not later than 10 days after receipt, and approve or disapprove of such documents within 20 or 30 days, depending on the type of application. Additionally, the act sets forth requirements for the BIA regarding (1) response times for the completion of certified title status reports, (2) notification of delays in processing, and (3) the form of notices and delivery of certain reports. The act also provides relevant federal agencies and Indian tribes with read-only access to the Trust Asset and Accounting Management System maintained by the BIA. The Government Accountability Office must report on digitizing documents for the purpose of streamlining and expediting the completion of mortgage packages for residential mortgages on Indian land. Finally, the act establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman.

HR 6785, the CLEAR Act of 2025, provides $100 million annually (2025-2030) in federal grants to states, territories, and tribes to establish or support resilience offices. These offices must develop five-year plans addressing climate and disaster risks across environmental hazards, economy, infrastructure, health, and housing, while prioritizing disadvantaged communities. Grantees must implement programs like technical assistance for local governments and integrate resilience into existing grant programs, with 10% of funds reserved for Indian tribes. States must report annually on how funds were used and the effectiveness of their resilience efforts. The bill directly affects state/local governments and tribal entities by requiring new planning structures to prepare for climate impacts.

The Rural Housing Service Reform Act of 2025 establishes a permanent housing preservation and revitalization program to maintain affordable multifamily housing projects financed under sections 514, 515, and 516 of the Housing Act of 1949, authorizing $200 million annually for fiscal years 2026-2030 to support loan restructuring, rental assistance renewal, and technical assistance for owners. The bill creates a $50 million annual set-aside for Native community development financial institutions to increase homeownership opportunities for Indian Tribes, Alaska Native communities, and Native Hawaiian communities. Additionally, it modifies Section 504 loans to reserve 60% for very low-income applicants and increases the loan cap from $7,500 to $15,000, while adjusting rural housing voucher processes to allow more frequent recalculation based on changing household circumstances.