House bill · 119th Congress · Latest step: Introduced
American Homeowner Crypto Modernization Act of 2025
Official title: To require agencies to update mortgage underwriting programs, guidelines, standards, and systems to require lenders to consider, in the mortgage credit evaluation process, any amounts a borrower has in any brokerage account associated with a cryptocurrency exchange.
Sponsor: Rep. Nancy Mace R-SCWhere it went
- IntroducedJul 14, 2025
- Committee action—
- Passed House—
- Passed Senate—
- To the President—
- Became law—
Latest action: Jul 14, 2025 — Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Cost and committee reports
Official records Congress.gov attaches to H.R. 4374.
- Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. MACE, as printed in the Congressional Record (Vol. 171, No. 120, July 14, 2025, Page H3245):Article I, Section 8 of the Constitution.Source: Congress.gov, Congressional Record July 14, 2025 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 41 characters
- Congress.gov bill record
- H.R. 4374, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/4374
- Record last updated by Congress.gov
- July 31, 2025
- PORKER copy retrieved
- September 13, 2026
- Stored copy, SHA-256 of the file
d264dcbf957b42c4eb7df6ba5877f5c683d99ef80ac2e3c7ce828f1fb1ab9d0b
PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.
Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of July 31, 2025). Not every bill gets one.
From the Congress.gov bill record for H.R. 4374, last updated July 31, 2025. PORKER’s copy was retrieved September 13, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.
Vote results
No recorded roll-call votes on this bill in PORKER’s records (voice votes and unanimous consent are not roll calls; roll-call records start in 2011).
Cosponsors
No cosponsors.
More from the sponsor
Other 119th Congress bills sponsored by Rep. Nancy Mace.
- H.R. 5235 (119th) Skills-Based Federal Contracting Act of 2025
- H.R. 30 (119th) Preventing Violence Against Women by Illegal Aliens Act
- H.R. 872 (119th) Federal Contractor Cybersecurity Vulnerability Reduction Act of 2025
- H.R. 2985 (119th) Modernizing Government Technology Reform Act
- H.R. 5000 (119th) Cybersecurity Hiring Modernization Act
- H.R. 3455 (119th) Veterans Affairs Distributed Ledger Innovation Act of 2025
Sponsor’s state and district
Data as of Sep 13, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.