Overview

• On June 25, FHFA instructed Fannie Mae and Freddie Mac to develop proposals for including cryptocurrency as an asset in single-family mortgage risk assessments.
• Eligible digital assets must be evidenced and held on U.S.-regulated centralized exchanges without requiring borrowers to convert them into dollars.
• Both enterprises are required to submit their crypto-asset guidelines to their boards of directors and then secure final FHFA approval before implementation.
• The move advances President Trump’s agenda to establish the United States as a global leader in digital asset adoption.
• Market analysts say counting crypto could expand homebuying power for holders but warn that extreme price volatility will demand robust risk-mitigation measures.