Rep. Nancy Mace Reintroduces Bill Backing Trump’s Push To Expand Mortgage Access For Crypto Investors

(Washington, D.C., September 12, 2025)- Congresswoman Nancy Mace (SC-1) reintroduced the American Homeowner Crypto Modernization Act of 2025, a bill to bring outdated federal mortgage rules in line with the realities of today's digital economy. Led by President Trump's crypto agenda, this legislation cuts outdated restrictions and paves the way for broader adoption of digital assets across America's financial system.

"Owning cryptocurrency shouldn't disqualify someone from the American dream of homeownership," said Congresswoman Nancy Mace."Federal mortgage guidelines are stuck in the past. Our bill brings them into the 21st century and supports President Trump's vision for a smarter, fairer government which reflects how Americans live and invest today."

The legislation requires the Department of Housing and Urban Development (HUD), Department of Agriculture (USDA), Department of Veterans Affairs (VA), and the Federal Housing Finance Agency (FHFA) to update their mortgage underwriting guidelines, systems, and standards. These changes would ensure assets held in brokerage accounts linked to cryptocurrency exchanges are considered when evaluating mortgage applications.

Under the bill, lenders participating in federal mortgage programs must factor in a borrower's verified crypto holdings, not just their traditional bank assets, when assessing creditworthiness. This could help millions of Americans, particularly younger and tech-savvy investors, qualify for mortgages which currently overlook their full financial picture.

This legislation is part of a broader effort to align housing policy with the Trump administration's push for fairer, innovation-driven financial access. It supports the administration's work to modernize regulatory frameworks around digital assets and end outdated barriers which penalize responsible crypto investors.

The bill gives federal agencies 24 months to implement the necessary updates.

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