The United States Federal Housing Finance Agency (FHFA) is exploring whether cryptocurrency holdings can be considered in mortgage qualification assessments. Director William Pulte announced that the agency is examining this potential inclusion. The initiative follows the SEC's recent decision to rescind guidance that had complicated how banks managed capital linked to cryptocurrency assets held on behalf of clients. This could lead to traditional banks offering new crypto-backed lending products alongside existing specific offerings from specialized companies, which facilitate borrowing against digital assets as collateral. Additionally, there is a rising trend of lower-income households demonstrating increased borrowing amid significant crypto exposure. Experts highlight that Bitcoin holders can leverage their assets without selling, appealing mainly to high-net-worth individuals who may not meet traditional financing criteria.

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