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FHFA Officially Directs Consideration of Cryptocurrency as Asset for Single-Family Mortgage Lending Fannie Mae and Freddie Mac to Incorporate Crypto into Risk Assessment On June 25, the U.S. Federal Housing Finance Agency (FHFA) issued an official directive instructing Fannie Mae and Freddie Mac to consider cryptocurrency as an asset in the risk evaluation process for single-family mortgage loans. Directive No. 2025-360 reflects the growing potential of digital assets in mainstream finance. By recognizing cryptocurrency as a reserve asset, the FHFA aims to enhance flexibility in loan underwriting and diversify asset bases.
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Mint Club Intern
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The FHFA stated, “Cryptocurrencies are emerging as a new means of asset accumulation alongside stocks and bonds, and their potential must be considered.” It added, “Previously, crypto could only be evaluated after conversion to U.S. dollars. Now, institutions must create a framework to assess it without conversion.” Under this directive, Fannie Mae and Freddie Mac are required to submit proposals that include: - A framework for treating cryptocurrency as a reserve asset - Requirement that crypto assets be held on regulated, U.S.-based centralized exchanges with verifiable proof - Risk-adjusted guidelines that account for market volatility - All changes must be approved by the respective boards and submitted to the FHFA for final approval This directive is effective immediately and must be implemented as soon as possible.
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