# 119-hr-4374: American Homeowner Crypto Modernization Act of 2025

119-hr-4374, American Homeowner Crypto Modernization Act of 2025, is a 119th Congress bill sponsored by Rep. Mace, Nancy [R-SC-1] (R-SC); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-4374
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4374
- Congress: 119
- Title: American Homeowner Crypto Modernization Act of 2025
- Status: introduced
- Introduced: 2025-07-14
- Sponsor: Rep. Mace, Nancy [R-SC-1] (R-SC)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Count cryptocurrency holdings in mortgage credit checks.** This bill would require the Department of Housing and Urban Development, the Department of Agriculture, the Department of Veterans Affairs, and the Federal Housing Finance Agency to update automated mortgage underwriting systems and guidelines so participating lenders consider the value of digital assets held in brokerage accounts linked to cryptocurrency exchanges within 24 months. - Homebuyers and families: Borrowers who hold crypto in brokerage accounts could have that value counted in mortgage credit evaluations, which may improve qualification odds or loan terms. - Mortgage lenders and underwriters: Lenders using automated underwriting would need to incorporate crypto asset values into credit assessments and follow updated agency guidance. - Government-sponsored enterprises and housing agencies: The requirement would apply to underwriting standards used by Fannie Mae and Freddie Mac through FHFA authority. - Legal definition: The bill defines "digital asset" as a digital representation of value recorded on a cryptographically secured distributed ledger.

## Provisions PRIA read

- Lenders count crypto in mortgage checks: benefit, medium. If enacted, HUD, USDA, VA, and FHFA would have 24 months to update mortgage underwriting systems. Participating lenders would need to consider digital assets held in brokerage accounts tied to crypto exchanges when judging mortgage credit. Through FHFA, this would flow to Fannie Mae and Freddie Mac…

## Related bills

- 119-hr-4706: Protecting Our Farms and Homes from China Act
- 119-hr-3756: FISH Act of 2025
- 119-hr-833: Educational Choice for Children Act of 2025
- 119-hr-5457: Strengthening Agency Management and Oversight of Software Assets Act
- 119-hr-9298: Stopping Harmful and Outrageous Torts Act
- 119-hr-740: Veterans’ ACCESS Act of 2025

## Sources
- [119-hr-4374 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4374)

## Related
- [119-hr-4706: Protecting Our Farms and Homes from China Act](https://policyrisk.com/legislation/119-hr-4706)
- [119-hr-3756: FISH Act of 2025](https://policyrisk.com/legislation/119-hr-3756)
- [119-hr-833: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-hr-833)
- [119-hr-5457: Strengthening Agency Management and Oversight of Software Assets Act](https://policyrisk.com/legislation/119-hr-5457)
- [119-hr-9298: Stopping Harmful and Outrageous Torts Act](https://policyrisk.com/legislation/119-hr-9298)
- [119-hr-740: Veterans’ ACCESS Act of 2025](https://policyrisk.com/legislation/119-hr-740)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4374 (as of 2026-04-21).