FHFA Directs Fannie Mae and Freddie Mac to Explore Cryptocurrency in Mortgage Applications

The Federal Housing Finance Agency (FHFA) has ordered government-sponsored enterprises Fannie Mae and Freddie Mac to begin evaluating cryptocurrencies as valid assets for mortgage applications. FHFA Director William Pulte announced the policy shift, framing it as a step toward financial innovation and alignment with the TRUMP administration's goal of establishing the U.S. as a global hub for digital assets.

The directive mandates that only cryptocurrencies listed on U.S.-regulated centralized exchanges will be considered, with additional risk assessments required to account for market volatility. "After significant study and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage," Pulte stated.