American Homeowner Crypto Modernization Act of 2025
In committee: it can still change before the session ends.
- Stage
- In committee
- Started in
- House
- Sponsor
- 1
- Latest action
- Jul 14, 2025
What it does
The American Homeowner Crypto Modernization Act of 2025 would require federal housing agencies to update their mortgage underwriting systems within 24 months of enactment so that lenders must consider the value of a borrower’s cryptocurrency exchange brokerage account holdings when evaluating mortgage creditworthiness. The bill applies to the Department of Housing and Urban Development, the Department of Agriculture, the Department of Veterans Affairs, and the Federal Housing Finance Agency, with the latter’s requirements extending to Fannie Mae and Freddie Mac through their regulatory oversight. It defines “digital asset” as any value recorded on a cryptographically secured distributed…
No official summary is available here. This one was written by AI from the bill’s text.
Where it stands
Introduced (Done)
Committee (Current step)
Floor (Not started)
Law (Not started)
What moved
Who is involved
Sponsors
The lawmakers who put their names on it, lead sponsors first.
Where it goes next
While a bill can still move, the questions are about people and money.