21st Century Mortgage Act of 2025

[AI summary unavailable — showing source text] [Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 2471 Introduced in Senate (IS)] <DOC> 119th CONGRESS 1st Session S. 2471 To require government-sponsored enterprises to consider digital assets in a mortgage loan risk assessment. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES July 28, 2025 Ms. Lummis introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To require government-sponsored enterprises to consider digital assets in a mortgage loan risk assessment. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``21st Century Mortgage Act of 2025''. SEC. 2. CONSIDERATION OF DIGITAL ASSETS. (a) Federal National Mortgage Association.--Section 302(b) of the Federal National Mortgage Association Charter Act (12 U.S.C. 1717(b)) is amended by adding at the end the following: ``(8) Digital Assets in Mortgage Risk Assessments.-- ``(A) De…