American Homeowner Crypto Modernization Act of 2025
Jul 14, 2025
Very pro-crypto
The "American Homeowner Crypto Modernization Act of 2025" requires federal agencies, including HUD, USDA, VA, and FHFA, to update mortgage underwriting programs. These updates would mandate that lenders consider the value of digital assets held in brokerage accounts associated with cryptocurrency exchanges during the mortgage credit evaluation process. A digital asset is defined as any digital representation of value recorded on a cryptographically secured distributed ledger.
Current Status
This bill is currently in the legislative process and has not yet been passed into law.Analysis
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A
Nancy Mace(R) Congressperson
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