,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #dcgd  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ad1 #bjbe,ms4  
,mace 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 (   
#bjbe4  #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$it    
evaluation process1 ! value ( any       
digital assets a borr[] has 9 any       
brok]age acc\nt associat$ ) a           
cryptocurr5cy ex*ange4  7b7 ,def9itions 
,9 ?is section3 7#a7 ,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  7#b7  ,digital
 asset  ,! t]m digital asset means any  

digital repres5tation ( value :i* is    
record$ on a cryptographically secur$   
di/ribut$ l$g] or o!r simil> te*nology4