US Housing Regulator Directs Fannie Mae and Freddie Mac to Consider Crypto Assets in Mortgage Risk Assessments
The Federal Housing Finance Agency (FHFA) has taken a significant step toward integrating cryptocurrency into traditional finance. Director William J. Pulte ordered government-sponsored enterprises Fannie Mae and Freddie Mac to draft proposals for treating crypto holdings as verifiable assets in single-family mortgage underwriting—without requiring conversion to U.S. dollars.
The directive, announced via social media on June 25, 2025, aligns with broader efforts to establish U.S. dominance in digital assets. "After significant study... today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage," Pulte stated, invoking former President Trump's vision for crypto leadership.
Regulators imposed strict parameters: only cryptocurrencies held on fully compliant U.S.-regulated exchanges will be considered. The MOVE signals growing institutional acceptance of digital assets as legitimate financial instruments, potentially creating new pathways for crypto holders to access traditional credit markets.