In a landmark move, the U.S. Federal Housing Finance Agency (FHFA) has instructed Fannie Mae and Freddie Mac to begin incorporating cryptocurrencies into risk assessments for single-family home loans.
The directive, signed on June 25, 2025 by FHFA Director William J. Pulte, marks the first time digital assets will play a formal role in U.S. housing finance.
According to the FHFA, crypto assets may now be accepted as reserve assets—but only if they are stored on U.S.-based, regulated exchanges and can be held without conversion into dollars. The decision is aimed at improving liquidity, flexibility, and access to mortgage financing, especially for younger or digitally native borrowers with significant crypto holdings.
Fannie Mae and Freddie Mac are now required to develop internal risk assessment systems that account for the volatility and market fluctuations of crypto assets. Any implementation of these new practices must be approved by the institutions’ boards of directors and submitted to the FHFA for review.
This directive signals a broader institutional acceptance of crypto as part of household financial profiles and reflects the agency’s effort to modernize mortgage qualification standards in line with evolving asset trends.
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