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Congressional Research Service
Version 00 · Introduced in Senate · Jan 31, 2023
Native American Direct Loan Improvement Act of 2023
This bill revises the Native American Direct Loan (NADL) program, which is administered by the Department of Veterans Affairs (VA). Under the NADL program, the VA makes loans directly to Native American veterans to purchase, construct, improve, or refinance their homes located on federal trust land.
Specifically, the bill expands the NADL program by allowing Native American veterans to refinance other existing mortgage loans on the same property if certain conditions are met.
Showing the opening paragraphs of the official summary.
Additionally, the bill requires the VA to conduct additional program outreach by partnering with local service providers (e.g., tribal organizations and nonprofit organizations) to conduct outreach, homebuyer education, housing counseling, and post-purchase education.
The bill directs the VA to assign a sufficient number of personnel to carry out the NADL program, including construction and valuation specialists to assist with issues unique to new construction and renovations on trust land.
The bill also authorizes the VA to make a loan with a 1% interest rate to a Native community development financial institution to allow the institution to relend loan amounts to qualified Native American veterans residing on federal trust land.
People & committees
Sen. Rounds, Mike [R-SD] · R–SD
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Committee on Banking, Housing, and Urban Affairs. Hearings held.
Committee on Veterans' Affairs. Ordered to be reported without amendment favorably.
Read twice and referred to the Committee on Veterans' Affairs.
Introduced in Senate
Primary sources
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Source last updated: Feb 2, 2026. Consult Congress.gov for the current record.
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