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U.S. House Proposes Bill to Include Bitcoin in Mortgages

Solomon M. by Solomon M.
July 17, 2025
in Bitcoin News
bitcoin mortgage oil painting
Key Points:
  • U.S. House bill introduces Bitcoin for mortgage assessments.
  • Bill targets enhanced crypto integration in mortgage market.
  • Market signals increased bullishness for Bitcoin and assets.
u-s-house-proposes-bill-to-include-bitcoin-in-mortgages
U.S. House Proposes Bill to Include Bitcoin in Mortgages

This event could impact Bitcoin’s inclusion in financial assessments, showing institutional interest and potential market shifts.

The U.S. House initiative, led by a group of lawmakers, aims to change mortgage assessments by including Bitcoin and other regulated cryptocurrencies. Referred to the House Financial Services and Veterans’ Affairs Committees, H.R. 4374 signifies the growing integration of digital assets into traditional finance.

In its current form, the bill has received backing from key figures like Speaker Mike Johnson and Majority Leader Steve Scalise. It requires Fannie Mae and Freddie Mac to prepare including regulated crypto assets in mortgage risk models, showcasing a significant shift in mortgage underwriting practices.

Should the bill pass, there would be implications for mortgage markets, potentially boosting the eligibility for crypto holders seeking home financing. Former President Donald Trump emphasized the impact, stating: “The House will soon VOTE on a tremendous Bill to Make America the UNDISPUTED, NUMBER ONE LEADER in Digital Assets […] Digital Assets are the FUTURE, and we are leading by a lot.”

Anticipated outcomes include positive impacts on Bitcoin’s market perception by embedding it more deeply into financial systems. However, the bill’s success depends on committee approvals and political negotiations, potentially setting a historical precedent for crypto integration in federally backed mortgage options.

If passed, widespread implications could stem from the recognized creditworthiness of Bitcoin, while existing sentiment suggests it may influence broader regulatory trends and technological advancements in financial ecosystems.

Disclaimer:

The content on The CCPress is provided for informational purposes only and should not be considered financial or investment advice. Cryptocurrency investments carry inherent risks. Please consult a qualified financial advisor before making any investment decisions.

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