Citizens’ Land Ownership Act of 2025
Section 1: Purpose
The purpose of this Act is to ensure that land within the United States is owned solely by individual U.S. citizens, to promote national sovereignty and individual property rights, and to protect citizens’ land ownership by redefining mortgages as personal loans not tied to land as collateral, while providing lenders recourse through credit penalties.
Section 2: Definitions
Citizen: A natural person who is a legal citizen of the United States, as recognized by federal law.
Land: Any real property, including residential, commercial, agricultural, or undeveloped land, within the borders of the United States.
Deed: A legal document that proves ownership of land, registered with the appropriate state or county authority.
Foreign Owner: Any individual who is not a U.S. citizen, or any entity organized under the laws of a foreign country.
Corporation: Any legal entity, including but not limited to corporations, limited liability companies (LLCs), partnerships, or trusts, whether domestic or foreign.
Mortgage: A loan historically secured by land, now redefined under this Act as a personal loan not attachable to land ownership.
Section 3: Land Ownership Restrictions
a. Beginning 90 days after the enactment of this Act, only individual U.S. citizens may own land in the United States.
b. Ownership must be recorded on a deed listing the first name, middle name (if applicable), and last name of one or more individual U.S. citizens, with no corporations or foreign owners permitted.
c. No foreign owners or corporations may hold title to land in the United States.
Section 4: Divestment Period
a. Current foreign owners and corporations holding land in the United States as of the date of this Act’s enactment shall have 90 days to sell their land to a qualifying U.S. citizen.
b. After 90 days, any land still held by foreign owners or corporations will be subject to seizure by the federal government and auctioned to U.S. citizens at fair market value, as determined by an independent appraisal.
c. Proceeds from such auctions, minus administrative costs not to exceed 5% of the sale price, will be returned to the original owner.
Section 5: Mortgage Redefinition and Protection
a. Effective immediately upon enactment, all mortgages or loans related to the purchase of land shall be treated as personal loans between the lender and the individual citizen borrower.
b. Land may not be used as collateral or leverage for any loan. No lien, foreclosure, or seizure of land may occur based on failure to repay a loan, including existing mortgages.
c. Lenders must restructure existing mortgages within 180 days to comply with this Act, converting them into personal loans with terms renegotiated between the lender and borrower. If no agreement is reached, the loan shall default to the federal prime rate plus 2% as of the 180-day deadline.
d. Default Protection for Lenders: In the event of default on a restructured personal loan originally tied to land purchase, the lender may report the default to credit bureaus, resulting in damage to the borrower’s credit score to a level below 300 on standard credit scoring models (e.g., FICO). This shall disqualify the borrower from obtaining credit cards, personal loans, cellular phone contracts, or any other credit-dependent services for a period of seven years, consistent with federal credit reporting standards.
e. Any attempt by a lender to claim land due to loan default after this Act’s enactment shall be null and void, with penalties including fines up to $50,000 per violation.
Section 6: Enforcement
a. State and county land registries shall update their records to comply with this Act within 180 days of enactment, removing any liens tied to land from existing mortgages and verifying ownership compliance.
b. Any deed listing a foreign owner, corporation, or entity other than individual U.S. citizens after the 90-day divestment period shall be deemed invalid.
c. The Department of Justice, in coordination with the Consumer Financial Protection Bureau and state authorities, shall enforce this Act and investigate violations.
d. Penalties for non-compliance include fines up to $100,000 per violation and forfeiture of the land in question (for ownership violations) or lender penalties (for mortgage violations).
Section 7: Effective Date
This Act shall take effect immediately upon passage by Congress and approval by the President of the United States.