HR4374-119

Introduced

To require agencies to update mortgage underwriting programs, guidelines, standards, and systems to require lenders to consider, in the mortgage credit evaluation process, any amounts a borrower has in any brokerage account associated with a cryptocurrency exchange.

119th Congress Introduced Jul 14, 2025

Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.

Summary

To require agencies to update mortgage underwriting programs, guidelines, standards, and systems to

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for primary purpose and policy domains.

At a Glance

What This Bill Does

To require agencies to update mortgage underwriting programs, guidelines, standards, and systems to

Key Policy Areas

Government

Primary Purpose

To require agencies to update mortgage underwriting programs, guidelines, standards, and systems to

Policy Domains

Government

Legislative Strategy

"Policy"

Legislative Progress

Introduced
Introduced Committee Passed
Jul 14, 2025

Ms. Mace introduced the following bill; which was referred to …

Stakeholder Effects

cui bono?

How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.

Financial Services
3 mentions across 1 clause
+1 positive -1 negative

Cryptocurrency exchanges, Fannie Mae and Freddie Mac, Mortgage lenders

Positive-direction: Cryptocurrency exchanges

Negative-direction: Fannie Mae and Freddie Mac

General Public
1 mention across 1 clause
+1 positive

Cryptocurrency holders seeking mortgages

Government
1 mention across 1 clause
-1 negative

HUD, USDA, VA

1/2
sections analyzed
Full impact breakdown

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology