Federal Housing Finance Agency Director William J. Pulte has directed Fannie Mae and Freddie Mac to begin preparing to treat cryptocurrency holdings as assets in mortgage applications—a move that could mark a significant shift in U.S. housing finance.
In a series of posts on X, Pulte said the effort aligns with former President Trump’s ambition to position the U.S. as a global leader in crypto. “I want people who own cryptocurrency to be able to buy homes like everyone else,” he wrote, calling for the mortgage system to modernize.
While no official policy change has been announced, the directive signals a potential overhaul in how digital assets like Bitcoin and Ethereum could be assessed in mortgage underwriting. Currently, the GSEs do not recognise crypto as eligible reserves or assets.
Pulte’s remarks follow broader calls to bring fintech innovation into the housing sector, but the path to implementation remains unclear amid regulatory and logistical challenges. Still, the comments thrust crypto firmly into the debate over the future of mortgage lending standards.
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