According to Reuters, FHFA Director William Pulte instructed Fannie Mae and Freddie Mac to begin preparing to treat cryptocurrency holdings as assets in single‑family mortgage risk assessments.
Pulte emphasized borrowers should be allowed to count crypto assets without first converting them to U.S. dollars, provided those assets are held on U.S.‑regulated centralized exchanges subject to applicable laws.
Per Cointelegraph, implementation would require formal proposals from both agencies and subsequent approval by their boards before new underwriting guidelines could be adopted.
Investopedia reports goal centers on giving crypto holders equal footing with other asset owners and improving their chances of qualifying for mortgages.
AP News notes policy shift follows Pulte’s March swearing‑in and underscores growing crypto influence in traditional finance.
Market experts saw opportunity in policy change. Analyst Daryl Fairweather told The Associated Press equity in crypto could now count toward reserves, increasing lender comfort.
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