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Highlights
- U.S. bill proposes including Bitcoin holdings in mortgage credit evaluations.
- Veterans may benefit from crypto-inclusive credit checks under the new bill.
- Bill aims to modernize mortgage rules by including digital asset holdings.
A new bill introduced in the U.S. House would allow Bitcoin and other crypto holdings to count in mortgage evaluations. The bill was introduced by Representative Nancy Mace of South Carolina.
Bill Proposes Update to Mortgage Credit Regulations by Accepting Bitcoin and Crypto assets
H.R.4374 bill was filed on July 14, 2025. It suggests that mortgage lenders be required to consider Bitcoin and other crypto assets that a borrower holds in brokerage accounts when making their credit evaluations.
The proposed bill has now been forwarded to the House Financial Services Committee and the Veterans Affairs Committee. The proposal is at the introduction stage and awaits further steps.
If passed, the bill would update underwriting systems across agencies to reflect digital assets held through crypto platforms. Borrowers who store Bitcoin or other cryptocurrencies in registered brokerage accounts could use those holdings to improve their mortgage eligibility.
According to the existing regulations, the majority of crypto assets are disregarded when reviewing mortgages. The traditional underwriting is usually cash, bank balance and tax returns. This bill would put Bitcoin and other digital assets on that list once it is approved.
The legislation does not limit recognition to Bitcoin. It applies to any digital asset held through a brokerage linked to a crypto exchange. This may prompt agencies to define which platforms qualify as acceptable for underwriting.
This proposed bill echoes a June 2025 announcement from the US FHFA Director, Bill Pulte. Pulte stated that there are plans to start using crypto holdings, including Bitcoin in the mortgage qualifying process.
In her reaction to Pulte’s announcement, ARK Invest CEO Cathie Wood, said the move will significantly boost Bitcoin’s role in finance. Hence, including crypto could help younger investors and early adopters qualify for home loans.
VA Mortgage Applicants May Gain Credit Leverage Under Proposed Bill
The bill also includes provisions affecting the Department of Veterans Affairs. Veterans applying for VA-backed mortgages could benefit if their Bitcoin and crypto holdings are counted during credit checks. This could improve mortgage access for service members involved in the digital asset space.
The bill has not yet been debated or voted on in either chamber. It must pass both the House and Senate and be signed by President Donald Trump before becoming law.
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