Federal Housing Finance Agency (FHFA) Director William Pulte ordered Fannie Mae on June 25, 2025, to prepare proposals for including cryptocurrency as an asset for single-family mortgage loan risk assessments. This directive specifies that conversion to U.S. dollars should not be required.
Pulte also instructed Fannie Mae to consider additional risk mitigants, including adjustments for market volatility, when evaluating crypto assets. This move aims to align with President Donald Trump's vision of making the U.S. the 'crypto capital of the world.'
This policy change could significantly expand the pool of eligible homebuyers by allowing crypto holdings to be factored into mortgage applications. It represents a major step towards integrating digital assets into the traditional housing finance system.
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