币界网报道：The U.S. Federal Housing Finance Agency (FHFA) has issued new guidance prohibiting mortgage applicants from using cryptocurrency holdings to qualify for loans backed by Fannie Mae and Freddie Mac. The directive, effective immediately, states that lenders cannot consider digital assets as valid sources of funds or reserves when evaluating borrowers' financial capacity. FHFA officials cited crypto's extreme volatility and lack of regulatory clarity as key reasons for the policy shift, noting traditional assets like cash, stocks, and bonds remain acceptable for mortgage underwriting. The move aligns with recent actions by other federal agencies cautioning against crypto's risks in mainstream finance. Industry analysts suggest this could disproportionately affect younger, tech-savvy homebuyers who hold digital assets but lack conventional savings. Mortgage lenders must now implement updated verification procedures to comply with the new standards.