币界网报道：The U.S. Federal Housing Finance Agency (FHFA) has directed government-sponsored enterprises Fannie Mae and Freddie Mac to prohibit the use of cryptocurrency assets to qualify for mortgage loans. The new policy, announced on June 25, explicitly bars lenders from considering digital assets when evaluating borrowers' financial qualifications. FHFA officials stated the decision aims to mitigate risks associated with crypto volatility and ensure mortgage underwriting remains based on stable, verifiable income sources. This move follows growing concerns among regulators about consumers using speculative assets to secure home loans during periods of crypto price fluctuations. Both enterprises must immediately implement the ban across all their mortgage products. The prohibition covers all cryptocurrency holdings, regardless of whether they appear on traditional bank statements or crypto exchange records. Industry analysts note this represents the first federal-level restriction specifically targeting crypto's role in mortgage qualification processes.