The provided sources discuss a significant shift in the U.S. housing market, initiated by a Federal Housing Finance Agency (FHFA) directive on June 25, 2025. This directive mandates Fannie Mae and Freddie Mac to consider cryptocurrency holdings as assets for single-family mortgage loan risk assessments, aligning with the Trump administration's goal of establishing the U.S. as a global "crypto capital." This move aims to expand homeownership opportunities for crypto investors by allowing digital assets to count without conversion to U.S. dollars, though only those held on U.S.-regulated centralized exchanges will be considered. While this policy could mainstream cryptocurrencies in traditional finance and increase market liquidity, it also introduces challenges related to volatility management, regulatory uncertainty, and potential conflicts of interest. The sources also provide international comparisons from the UK, UAE, and Canada, highlighting diverse approaches to crypto-backed mortgages, including the use of stablecoins and varying regulatory frameworks, offering lessons for the U.S. implementation.

https://tradersuggest.com/u-s-regulator-tells-fannie-mae-and-freddie-mac-to-explore-crypto-in-mortgages/

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