the Federal Housing Finance Agency (FHFA) of the United States recently issued instructions to explore how to incorporate cryptocurrencies into the risk assessment of single-family residential mortgage loans. Senator Lummis also introduced a new bill requiring cryptocurrencies to be included in mortgage loan assets. Many Democratic senators, including Warren and Van Hollen, opposed this, believing that under current policies, whether it is a corporate lending institution or any other federally supported, guaranteed, or guaranteed mortgage loan channel, mortgage lending institutions are not allowed to consider cryptocurrencies when determining their ability to repay the mortgage unless the cryptocurrency has been converted into US dollars and accompanied by the corresponding documentation. Including unredeemed cryptocurrency assets in the consideration may pose risks to the stability of the real estate market and financial system.
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Several US Democratic senators oppose including “unconverted” cryptocurrencies in residential mortgage assets.
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