Crypto Gets a Seat at the Table as US Housing Regulator Recognizes Digital Assets

• 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 a…

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