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US Lawmakers Question FHFA’s Push To Include Unconverted Crypto In Home Loans

Crypto Debate Heats Up As US Lawmakers Question FHFA Home Loan Policy

Sebastian Villafuerte
by Sebastian Villafuerte
1 month ago
·
Posted in Crypto News
Trusted Editorial content, reviewed by leading industry experts and seasoned editors. Ad Disclosure

A new political debate is unfolding as a group of Senate Democrats has officially raised concerns about the growing intersection of crypto and the US housing market. The lawmakers sent a letter to William Pulte, Director of the Federal Housing Finance Agency (FHFA), challenging his recent directive that asks Fannie Mae and Freddie Mac to submit proposals for including unconverted cryptocurrency assets in mortgage underwriting decisions. This marks a potential shift in how digital assets could influence loan eligibility and financial risk assessments.

Related Reading: Ethereum On-Chain Volume Grows 288% In 3 Weeks – Bigger Rally Ahead?

The senators—led by Jeff Merkley, Elizabeth Warren, and Bernie Sanders—warn that the inclusion of volatile and largely unregulated crypto holdings in underwriting processes may pose significant dangers to consumers and the broader housing market. They argue the directive lacks sufficient detail on how these proposals will be developed, evaluated, or regulated, creating uncertainty and possible systemic risks.

Under current rules, only converted crypto with proper documentation can be considered in mortgage applications. Including unconverted assets, critics say, opens the door to volatility, liquidity risks, and potential loss from scams or hacks. With Pulte also chairing the boards of Fannie Mae and Freddie Mac, questions around conflict of interest and procedural oversight are intensifying.

Senators Raise Red Flags Over Crypto In Mortgage Underwriting

In their sharply worded letter, the senators highlighted that current federal guidelines prohibit the use of unconverted cryptocurrency in mortgage underwriting. “Expanding underwriting criteria to include the consideration of unconverted cryptocurrency assets could pose risks to the stability of the housing market and the financial system,” the senators warned. They argue that crypto’s volatility, lack of regulatory clarity, and limited liquidity—especially during market downturns—could amplify risks for both lenders and borrowers. As the letter notes, “a borrower using crypto faces an increased risk that they may not be able to exit a crypto position and convert to cash at a price that would allow them to buffer against risk of mortgage default.”

The lawmakers argue that the recent directive from FHFA Director William Pulte could disrupt the financial system’s stability by enabling lenders to consider unconverted crypto assets—assets that are volatile, hard to value in real-time, and prone to liquidity constraints.

Beyond financial concerns, the senators also questioned potential conflicts of interest between Pulte, the Trump Administration, and the cryptocurrency industry, particularly regarding his dual role as FHFA Director and Chair of the Enterprises’ Boards. These overlapping positions could allow for outsized influence in approving policies that lack independent scrutiny.

Related Reading: The 4-Year Cycle Is Dead: Matt Hougan Breaks Down The New Crypto Era

As the US inches closer to integrating this asset class into traditional financial frameworks, this letter signals intensifying scrutiny from lawmakers. With institutional adoption growing and regulatory frameworks evolving, the coming weeks will be crucial for determining how the US government balances innovation with systemic financial stability.

Total Market Cap Approaches $4 Trillion

The weekly chart of the total crypto market cap reveals a powerful uptrend, with the market currently sitting at $3.89 trillion—just shy of the psychological $4 trillion mark. After a steep rally that began in late 2023, the market has continued to push higher with strong bullish momentum, confirming a breakout from its previous consolidation phase.

Crypto Total Market Cap Nears $4T | Source: TOTAL chart on TradingView
Crypto Total Market Cap Nears $4T | Source: TOTAL chart on TradingView

All major moving averages (50, 100, and 200) are trending upward, and the price remains well above them. This suggests a healthy structure in both short- and long-term perspectives. The 50-week SMA at $2.95 trillion is now acting as solid macro support, underlining the strength of the current cycle.

Related Reading: 80K Bitcoin Whale Identity Uncovered? MyBitcoin Wallets Linked To Recent Transfer

Notably, this level also aligns with the prior all-time high region from early 2022, now flipped into support—an important technical signal in bullish cycles. Volume is increasing in the up weeks, confirming buying interest as the market gains traction.

Featured image from Dall-E, chart from TradingView

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Sebastian Villafuerte

Sebastian Villafuerte

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Sebastian's journey into the world of crypto began four years ago, driven by a fascination with the potential of blockchain technology to revolutionize financial systems. His initial exploration focused on understanding the intricacies of various crypto projects, particularly those focused on building innovative financial solutions. Through countless hours of research and learning, Sebastian developed a deep understanding of the underlying technologies, market dynamics, and potential applications of cryptocurrencies. As his knowledge grew, Sebastian felt compelled to share his insights with others. He began actively contributing to online discussions on platforms like X and LinkedIn, focusing on fintech and crypto-related content. His goal was to expose valuable trends and insights to a wider audience, fostering a deeper understanding of the rapidly evolving crypto landscape. Sebastian's contributions quickly gained recognition, and he became a trusted voice in the online crypto community. To further enhance his expertise, Sebastian pursued a UC Berkeley Fintech: Frameworks, Applications, and Strategies certification. This rigorous program equipped him with valuable skills and knowledge regarding Financial Technology, bridging the gap between traditional finance (TradFi) and decentralized finance (DeFi). The certification deepened his understanding of the broader financial landscape and its intersection with blockchain technology. Sebastian's passion for finance and writing is evident in his work. He enjoys delving into financial research, analyzing market trends, and exploring the latest developments in the crypto space. In his spare time, Sebastian can often be found immersed in charts, studying 10-K forms, or engaging in thought-provoking discussions about the future of finance. Sebastian's journey as a crypto analyst and investor has been marked by a relentless pursuit of knowledge and a dedication to sharing his insights. His ability to navigate the complex world of crypto, combined with his passion for financial research and communication, makes him a valuable asset to the industry. As the crypto landscape continues to evolve, Sebastian remains at the forefront, providing valuable insights and contributing to the growth of this revolutionary technology.

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