This bill requires federal mortgage agencies to update their underwriting systems within 24 months to allow lenders to count cryptocurrency holdings as part of a borrower's assets when evaluating mortgage applications. The legislation affects the Department of Housing and Urban Development, Department of Agriculture, Department of Veterans Affairs, and the Federal Housing Finance Agency, which oversee mortgage programs. The bill would permit lenders to consider amounts in U.S. dollars that borrowers hold in cryptocurrency exchange brokerage accounts as financial resources during the mortgage approval process. There is no specific federal funding allocated in the bill, as it directs existing agencies to modify their current systems and guidelines. This change would primarily benefit cryptocurrency owners seeking mortgages by potentially strengthening their financial profiles during the lending evaluation process.