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US Housing Agency Authorizes Crypto Assets In Mortgage Assessments

  • The FHFA has directed Fannie Mae and Freddie Mac to recognize cryptocurrency as an asset in their assessments of single-family mortgage loan risks.
  • This directive aligns with President Donald Trump’s vision of positioning the United States as a global leader in cryptocurrency.
  • The decision signals a shift in perspective towards crypto's acceptance within institutional finance and federal policy, allowing borrowers to use digital assets in home loans without converting them to US dollars.
  • Fannie Mae and Freddie Mac must adhere to certain requirements, including considering only digital assets stored on US-regulated, centralized exchanges, and accounting for the volatility of cryptocurrencies in their underwriting standards.

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