FHFA Directs Fannie Mae Freddie Mac to Include Crypto in Loans
The post FHFA Directs Fannie Mae Freddie Mac to Include Crypto in Loans appeared on BitcoinEthereumNews.com.
FHFA mandates Fannie Mae and Freddie Mac to include crypto in mortgage risk assessments. Only crypto on U.S.-regulated exchanges qualifies with risk adjustments applied. Proposals require board approval before FHFA review and implementation. The U.S. Federal Housing Finance Agency (FHFA) has issued a directive requiring Fannie Mae and Freddie Mac to incorporate cryptocurrency holdings into their risk assessments for certain home loans. This changes how these government-sponsored enterprises (GSEs) evaluate borrower assets for mortgage approval and risk management. After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage. SO ORDERED pic.twitter.com/Tg9ReJQXC3 — Pulte (@pulte) June 25, 2025 What Does the New FHFA Directive Mandate? The official order, Decision No. 2025-360, requires the two mortgage giants to treat cryptocurrency as a valid asset for diversifying a borrower’s wealth. Until now, cryptocurrencies have been excluded from mortgage risk assessments because borrowers typically do not convert their digital assets into U.S. dollars before closing loans. Related: Crypto’s Going Mainstream Faster Than the Internet Did This directive mandates that Fannie Mae and Freddie Mac, referred to collectively as “the Enterprises,” prepare proposals to consider cryptocurrency as part of borrower reserves in their single-family mortgage loan risk assessments. Additionally, the directive specifies that the Enterprises should count cryptocurrency holdings directly without requiring conversion into U.S. dollars. Conditions for Using Crypto The FHFA sets clear guidelines for which cryptocurrencies qualify for consideration. Only assets evidenced on U.S.-regulated centralized exchanges that comply fully with applicable laws will be eligible. Moreover, the Enterprises must incorporate risk mitigants into their assessments. These include adjustments for the known volatility of cryptocurrency markets and appropriate risk-based reductions…
Filed under: News - @ June 26, 2025 7:29 am