Catenaa, Friday, June 27, 2025- The US Federal Housing Finance Agency (FHFA) will assess whether cryptocurrency holdings can be factored into mortgage qualification, marking a potential policy shift that could integrate digital assets into one of the nation’s most critical financial sectors.
FHFA Director Bill Pulte, appointed by President Donald Trump in March, announced the study Tuesday on social platform X.
“We will study the usage [of] cryptocurrency holdings as it relates to qualifying for mortgages,” he stated, offering no immediate timeline or detailed scope for the review.
The FHFA regulates key mortgage market entities including Fannie Mae, Freddie Mac and the Federal Home Loan Banks.
A policy change could allow Americans holding crypto to leverage it in mortgage applications—a move that reflects growing federal interest in mainstreaming digital assets.
Pulte, an early crypto advocate, revealed in February financial disclosures that he owns between $500,001 and $1 million in Bitcoin and Solana, along with shares in crypto miner MARA Holdings. His public stance on digital assets aligns with the Trump administration’s broader support for emerging financial technologies.
No comment was issued by the FHFA in response to media inquiries.
Analysts noted this as one of the first official moves by a federal housing agency to consider blockchain-based wealth in traditional lending frameworks.
The evaluation signals a possible milestone in cryptocurrency’s path from speculative asset to recognized financial instrument within US regulatory systems.
