,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #hdhj  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,may #ba1 #bjbd,ms4   
,mace 7= h]self & ,mr4 ,khanna7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices1 & 9
 addition to ! ,committee on ,vet]ans'  
,affairs1 = a p]iod to be subsequ5tly   
det]m9$ by ! ,speak]1 9 ea* case =      
consid]ation ( su* provisions z fall )9 
! jurisdiction ( ! committee conc]n$  ,a
 ,,bill  ,to require ag5cies to update  
mortgage und]writ+ programs1 guidel9es1 
/&>ds1 & sy/ems to require l5d]s to     
consid]1 9 ! mortgage cr$it evaluation  
process1 any am\nts a borr[] has 9 any  
brok]age acc\nt associat$ ) a           
cryptocurr5cy ex*ange4  #a4 ,%ort title 
,?is ,act may be cit$ z ! ,am]ican      
,home[n] ,crypto ,mod]nization ,act (   
#bjbd4  #b4 ,consid]ation (             
cryptocurr5cy ex*ange brok]age acc\nt   
am\nts  7a7 ,9 g5]al ,n lat] ?an !      
expiration ( ! #bd-mon? p]iod beg9n+ on 
! date ( ! enactm5t ( ?is ,act1 ea* head

 ( a cov]$ ag5cy %all1 update ! automat$
 mortgage und]writ+ programs1 guidel9es1
 /&>ds1 & sy/ems ( su* cov]$ ag5cy 9 a  
mann] to require p>ticipat+ mortgage    
l5d]s to consid]1 9 ! mortgage cr$it    
evaluation process1 any am\nts 9 ,unit$ 
,/ates doll>s a borr[] has 9 any        
brok]age acc\nt associat$ ) a           
cryptocurr5cy ex*ange4  7b7 ,cov]$ ag5cy
 ,! t]m cov]$ ag5cy means-- 7#a7 !      
,dep>tm5t ( ,h\s+ & ,urban ,developm5t2 
7#b7 ! ,dep>tm5t ( ,agriculture2  7#c7 !
 ,dep>tm5t ( ,vet]ans ,affairs2 &  7#d7 
! ,f$]al ,h\s+ ,f9ance ,ag5cy1 except t 
any requirem5t impos$ by ?is section on 
su* ,ag5cy or ! ,director ( su* ,ag5cy  
%all be treat$ z a requirem5t ) respect 
to ! mortgage und]writ+ programs or     
sy/ems ( ! ,f$]al ,national ,mortgage   
,association & ! ,f$]al ,home ,loan     
,mortgage ,corporation1 to be impos$ &  
en=c$ pursuant to ! au?ority ( su*      
,director & ,ag5cy to sup]vise &        
regulate su* ent]prises4