Bill · H.R. 4374· House(119-HR-4374)
American Homeowner Crypto Modernization Act of 2025
- Introduced
- 7/14/2025
- Last activity
- 7/14/2025 — Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Sponsored by
- Nancy Mace
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill, called the "American Homeowner Crypto Modernization Act of 2025," wants agencies to update their mortgage rules. These updates would make lenders consider any cryptocurrency brokerage accounts a borrower has when deciding on a mortgage. The bill tasks specific agencies with updating their systems within 24 months of the bill's passing.
Yes· 3 of 15
Would people in their twenties and thirties be better off under this?+4
Younger adults are more likely to hold digital assets and benefit from their inclusion in mortgage evaluations.
Would people with substantial wealth be better off under this?+4
Increases the utility of digital assets for securing residential real estate.
Would the very wealthiest people be better off under this?+4
Increases the utility of digital assets for securing residential real estate.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Section 2(a): Requiring lenders to consider cryptocurrency assets in mortgage evaluations could help some people. If someone has a good amount of digital assets, it might improve their chances of getting a mortgage.
Potential Negative Impacts for People
- Section 2(a): Requiring consideration of cryptocurrency assets could also hurt some people. The value of digital assets can be unstable, and lenders might see this as a risk. This could make it harder for some people to get a mortgage, even if they have other good financial qualities.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Billionaires+4Good For High Net Worth Individuals+4Good For Ultra High Net Worth Individuals+4Good For Young Adults+4Good For High Income Households+3Good For Veterans+3Good For Middle Aged+2Good For Middle Class Households+2Good For Farmers+1Good For Rural Residents+1
- Social Issues And Justice
- Improves Affordable Housing+3
- Economy And Finance
- Improves Economic Growth+2
- Environment Energy And Infrastructure
- Improves Rural Development+1
- Governance And Ideology
- Increases Federal Power+1
- National Security And Foreign Policy
- Improves Veterans Benefits+1
- 7/14/2025
- Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Introduced in House