The bill mandates the Bureau of Indian Affairs to review and approve mortgage packages for residential, business, land, and right‑of‑way transactions on Indian land, setting clear deadlines of 10, 20, or 30 calendar days for each stage of the process. It requires the Bureau to issue certified title status reports within 10 days of approval, provide timely notices to lenders, and grant read‑only access to relevant documents in the Trust Asset and Accounting Management System. The legislation compels the Director to submit annual reports on processing performance and requires a GAO study on digitizing tribal records, while establishing a Realty Ombudsman to monitor compliance, address complaints, and coordinate with federal agencies.