A bill submitted to the US Congress proposes that financial institutions evaluate cryptocurrency holdings when reviewing mortgage loan applications. This development, reported by Watcher.Guru, could significantly impact how lenders assess an applicant's financial profile. Currently, mortgage loan approvals heavily rely on factors like credit score, income, and debt-to-income ratio. Integrating cryptocurrency holdings into the evaluation process acknowledges the growing prevalence and potential financial impact of digital assets. If passed, the bill would require lenders to consider the value and volatility of an applicant's cryptocurrency portfolio, potentially influencing loan amounts or even approval decisions. This could lead to more stringent requirements for borrowers with substantial crypto investments, or conversely, provide a boost to applicants who have prudently managed their crypto assets as part of a diversified portfolio. The bill's progress will be closely watched by both the crypto and real estate industries. ```