American Homeowner Crypto Modernization Act of 2025
HR 4374, the American Homeowner Crypto Modernization Act of 2025, requires federal housing agencies (HUD, USDA, VA, and FHFA) to update mortgage underwriting systems within 24 months to mandate that lenders consider the value of cryptocurrency held in exchange-linked brokerage accounts when evaluating borrower credit. This directly affects homeowners and borrowers seeking mortgages who hold digital assets, as their crypto holdings would now be included in credit assessments. The key mechanism is amending automated underwriting programs to treat cryptocurrency in brokerage accounts similarly to traditional financial assets during loan approval. The bill focuses on updating existing mortgage evaluation processes, not regulating cryptocurrency itself.
Bill status
in committee
1 of 4 stages cleared
Introduction
Jul 2025
Committee Review
Floor Vote
President
Introduced Jul 14, 2025
Last action Jul 14, 2025
Floor votes
How they voted
No floor votes recorded yet.
Full legislative history
Actions timeline
Total actions
2
Key actions
0
Committee
1
Jul 14, 2025
Committee
Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
lower
Jul 14, 2025
Introduced
Introduced in House
lower
1 primary · 0 co-sponsors
Sponsors
Role
Legislator
Party
State
District
P
Nancy Mace
RRepublican
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