American Homeowner Crypto Modernization Act of 2025

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in House Jul 14, 2025 · 522 words Open full page ↗

119TH CONGRESS

1ST SESSION

H. R. 4374

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.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 2%, measured from US's completed sessions
Momentum -5 27/100 from the pace of recorded action
Time since last action -22 461 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.