,i  #aaith ,,congress  #ast ,session    
,h4 ,r4 #dcgd  ,,in ,,the ,,house ,,of  
,,representatives  ,july #ad1 #bjbe,ms4 
,mace introduced the following bill2    
which was referred to the ,committee on 
,financial ,services1 and in addition to
 the ,committee on ,veterans' ,affairs1 
for a period to be subsequently         
determined by the ,speaker1 in each case
 for consideration of such provisions as
 fall within the jurisdiction of the    
committee concerned  ,a ,,bill  ,to     
require agencies to update mortgage     
underwriting programs1 guidelines1      
standards1 and systems to require       
lenders to consider1 in the mortgage    
credit evaluation process1 any amounts a
 borrower has in any brokerage account  
associated with a cryptocurrency        
exchange4  #a4 ,short title ,this ,act  
may be cited as the ,american ,homeowner
 ,crypto ,modernization ,act of #bjbe4  
#b4 ,consideration of cryptocurrency    
exchange brokerage account amounts  7a7 
,in general ,not later than the         

expiration of the #bd-month period      
beginning on the date of the enactment  
of this ,act1 each head of a covered    
agency shall1 update the automated      
mortgage underwriting programs1         
guidelines1 standards1 and systems of   
such covered agency in a manner to      
require participating mortgage lenders  
to consider1 in the mortgage credit     
evaluation process1 the value of any    
digital assets a borrower has in any    
brokerage account associated with a     
cryptocurrency exchange4  7b7           
,definitions ,in this section3 7#a7     
,covered ,agency ,the term covered      
agency means--  7,a7 the ,department of 
,housing and ,urban ,development2  7,b7 
the ,department of ,agriculture2  7,c7  
the ,department of ,veterans ,affairs2  
and  7,d7 the ,federal ,housing ,finance
 ,agency1 except that any requirement   
imposed by this section on such ,agency 
or the ,director of such ,agency shall  
be treated as a requirement with respect
 to the mortgage underwriting programs  

or systems of the ,federal ,national    
,mortgage ,association and the ,federal 
,home ,loan ,mortgage ,corporation1 to  
be imposed and enforced pursuant to the 
authority of such ,director and ,agency 
to supervise and regulate such          
enterprises4  7#b7  ,digital asset  ,the
 term digital asset means any digital   
representation of value which is        
recorded on a cryptographically secured 
distributed ledger or other similar     
technology4