The 21st Century Mortgage Act of 2025 requires government-sponsored enterprises to consider digital assets in mortgage loan risk assessments.
The 21st Century Mortgage Act of 2025 amends the Federal National Mortgage Association Charter Act and the Federal Home Loan Mortgage Corporation Charter Act to require government-sponsored enterprises to consider digital assets in mortgage loan risk assessments. Digital assets are defined as digital representations of value recorded on a cryptographically-secured distributed ledger, excluding non-fungible assets. Qualified custodial arrangements for digital assets are defined as custody by a regulated third party or a multi-party arrangement with a controlling quorum of custodians.
Included in complete analysis
- Overview
- Core Provisions
- Implementation
- Impact
- Legal Framework
- Critical Issues
See what it does, who it affects, and the critical issues in plain language. Free, 30 seconds.