; and (C) as a result of the disparity in treatment of Indian tribes described in subparagraph (B), investors may avoid financing, or demand a premium to finance, projects in Indian communities, making the projects more costly or inaccessible; (7) there are a number of Federal loan guarantee programs available to facilitate financing of business, energy, economic, housing, and community development projects in Indian communities, and those programs may support public-private partnerships for infrastructure development, but improvements and support are needed for those programs specific to Indian communities to facilitate more effectively private financing for infrastructure and other urgent development needs; and (8) (A) most real property held by Indian tribes is trust or restricted land that essentially cannot be held as collateral; and (B) while creative solutions, such as leasehold mortgages, have been developed in response to the problem identified in subparagraph (A), some solutions remain subject to review and approval by the Bureau of Indian Affairs, adding additional costs and delay to tribal projects. 3. Native American Business Development, Trade Promotion, and Tourism Act of 2000 (a) Findings; purposes Section 2 of the Native American Business Development, Trade Promotion, and Tourism Act of 2000 ( 25 U.S.C. 4301 ) is amended by adding at the end the following: (c) Applicability to Indian-Owned businesses The findings and purposes in subsections (a) and (b) shall apply to any Indian-owned business governed— (1) by tribal laws regulating trade or commerce on Indian lands; or (2) pursuant to section 5 of the Act of August 15, 1876 (19 Stat. 200, chapter 289; 25 U.S.C. 261 ). . (b) Definitions Section 3 of the Native American Business Development, Trade Promotion, and Tourism Act of 2000 ( 25 U.S.C. 4302 ) is amended— (1) by redesignating paragraphs (1) through (6) and paragraphs (7) through (9), as paragraphs (2) through (7) and paragraphs (9) through (11), respectively