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Welcome to the Government page of FHFA’s website.  This page provides consolidated resources for federal, state and local government personnel who are interested in the nation’s housing finance system.


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Key Legislation


​Short Title (Citation)



Federal Home Loan Bank Act

12 U.S.C. 1421 et seq.
(Public Law 72-304 (1932))

Established the Federal Home Loan Bank System.

​​GPO Text / PD​F


Federal Housing Enterprises Financial Safety and Soundness Act of 1992

12 U.S.C. 4501 et seq.
(Public Law 102-550 (1992))

Primary statutory authorization for FHFA’s regulation of Fannie Mae, Freddie Mac and the Federal Home Loan Bank System, including supervision of housing mission and goals and actions as conservator or receiver for Fannie Mae, Freddie Mac or any Federal Home Loan Bank.

Housing and Economic Recovery Act of 2008

(Public Law 110-289 (2008))

Amended the Safety and Soundness Act to create FHFA, place regulation of Fannie Mae, Freddie Mac and the Bank System under one regulator, enhance supervision of these regulated entities, and enhance FHFA's authorities as conservator or receiver. 






​Federal Home Loan Mortgage Corporation Act

12 U.S.C. 1451 et seq.
(Public Law 91-351 (1970))

Created Freddie Mac and provided authority for Freddie Mac’s activities.

GPO Text / PDF​


Federal National Mortgage Association Charter Act

12 U.S.C. 1716 et seq.
(Public Law 84-345,National Housing Act, Title III (1934), as amended by the Housing and Urban Development Act of 1968)

Created Fannie Mae and provided authority for Fannie Mae’s activities. Amendment in 1968 created the Government National Mortgage Association (Ginnie Mae), supervised by the Department of Ho​using and Urban Development.

GPO Text / PDF

​Find regulations pertaining to FHFA supervision at eCFR.




 Related Information



No FEAR Act Data - Third Quarter FY 201518258<div aria-labelledby="ctl00_PlaceHolderMain_ctl03_label"><div class="WordSection1"><h4>Equal Employment Data Pursuant to Title III of the Notification and Federal Employee Antidiscrimination and Retaliation Act of 2002 (No Fear Act), Public Law 107–174</h4><p>&#160;</p><p>* The Federal Housing Finance Agency (FHFA) was created on July 30, 2008, when the President signed into law the Housing and Economic Recovery Act of 2008.&#160;&#160;The report addresses the following&#58;</p><ul><li>Complaint Activity</li><li>Complaints by Basis</li><li>Complaints by Issue</li><li>Processing Time </li><li>Complaints Dismissed by Agency and Withdrawn by Complainants</li><li>Total Final Actions Finding Discrimination</li><li>Findings of Discrimination Rendered by Basis </li><li>Findings of Discrimination Rendered by Issue </li><li>Pending Complaints Filed in Previous Fiscal Years by Status</li><li>Complaint Investigations </li></ul></div></div>7/29/2015 3:02:42 PM132http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - May 201518217<h1>May 2015 Highlights</h1><ul><li>Refinance volume decreased in May 2015 but remained at levels above those observed in 2014. Mortgage rates rose in May&#58; the average interest rate on a 30 year fixed rate mortgage reached 3.84 percent.</li><li>In May 2015, 10,419 refinances were completed through HARP, bringing the total refinances through HARP from the inception of the program to 3,324,228.</li><li>HARP volume represented 5 percent of total refinance volume in May 2015.</li><li>Year to date through May 2015, borrowers with loan‐to‐value ratios greater than 105 percent accounted for 24 percent of the volume of HARP loans.</li><li>In May 2015, 8 percent of the loans refinanced through HARP had a loan‐to‐value ratio greater than 125 percent.</li><font face="Calibri"></font><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li>Year to date through May 2015, 28 percent of HARP refinances for underwater borrowers were for shorter‐term 15‐ and 20‐year mortgages, which build equity faster than traditional 30‐year mortgages.</li><font face="Calibri"></font><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li>Year to date through May 2015, HARP refinances represented 13 or more percent of total refinances in Florida and Georgia, more than double the 6 percent of total refinances nationwide over the same period.</li><li>Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program.</li></ul>7/23/2015 2:58:37 PM261http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA House Price Index Up 0.4 Percent in May18208<p>​<strong>Washington, D.C. </strong>– U.S. house prices rose in May, up 0.4 percent on a seasonally adjusted basis from the previous month, according to the Federal Housing Finance Agency (FHFA) monthly House Price Index (HPI).&#160; The previously reported 0.3 percent change in April was revised upward to reflect a 0.4 percent change. </p><p><span style="line-height&#58;22px;">T</span><span style="line-height&#58;22px;">he FHFA HP</span><span style="line-height&#58;22px;">I is calculated using home sales price information from mortgages sold to or guaranteed by Fannie Mae and Freddie Mac.&#160; From May 2014 to May 2015, house prices were up <strong>5.7 percent</strong>.&#160; The U.S. index is <strong>1.8 percent</strong> below its March 2007 peak and is roughly the same as the April 2006 index level.&#160;</span></p><p>For the nine census divisions, seasonally adjusted monthly price changes from April 2015 to May 2015 ranged from <strong>-0.6 percent </strong>in the East South Central division to <strong>+1.1 percent</strong> in the East North Central division.&#160; The 12-month changes were all positive, ranging from <strong>+0.9 percent </strong>in the Middle Atlantic division to <strong>+8.4 percent</strong> in the Pacific division.</p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs on the following pages.&#160; Complete historical data are available on the <a href="/DataTools/Downloads/Pages/House-Price-Index.aspx">Downloadable HPI Data page.</a> </p><p>For detailed information on the monthly HPI, see <a href="/Media/PublicAffairs/Pages/Housing-Price-Index-Frequently-Asked-Questions.aspx">HPI Frequently Asked Questions (FAQ)</a>.&#160; The next&#160;HPI report will be released August 25, 2015 and will include quarterly data througthe second quarter of 2015 and monthly data through June.&#160; </p><p>FHFA has selected HPI release dates for 2016.&#160; Those dates, in addition to dates for the rest of 2015, are available on the <a href="/DataTools/Downloads/Pages/House-Price-Index.aspx#ReleaseDates">HPI Release Dates page</a>. &#160;</p>7/22/2015 1:00:32 PM2528http://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index Report - May 201518209<p>​<span style="line-height&#58;1.6;">The F</span><span style="line-height&#58;1.6;">HFA House Price Index (HPI) reported a&#160;0.4&#160;percent&#160;increase in U.S. house prices in May&#160;from the previous month.&#160;&#160;From May&#160;2014 to May&#160;2015, house prices were up&#160;5.7&#160;percent.&#160; For the nine census divisions, seasonally adjusted monthly price changes from April&#160;2015 to May&#160;2015 ranged from&#160;-0.6&#160;percent in the&#160;East South&#160;Central division to +1.1&#160;percent in the East&#160;North Central division.&#160; The 12-month changes were all positive, ranging from +0.9&#160;percent in the&#160;Middle Atlantic division to +8.4&#160;percent in the Pacific division.​</span></p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs in the attachment.</p>7/22/2015 1:00:33 PM949http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Co-Hosts Minority- and Women-Owned Business Technical Assistance Event18181<p>​<strong>Washington, DC – </strong>The Office of Minority and Women Inclusion (OMWI) of the Federal Housing Finance Agency (FHFA) will co-host a technical assistance event for minority- and women-owned businesses interested in federal government contracting opportunities. &#160;The event will take place on August 12 at George Mason University in Arlington, VA and will offer free informational, educational, and networking sessions to help businesses maximize their federal government contracting opportunities.&#160; Focus areas will include government contracting, federal proposal writing, and successful collaborations.&#160;&#160; </p><p>FHFA's OMWI is co-hosting the event with the OMWI from each of the following&#58; Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Consumer Financial Protection Bureau, U.S. Department of the Treasury, Federal Deposit Insurance Corporation, National Credit Union Administration, and the Securities and Exchange Commission.&#160; The event is being carried out in conjunction with the Northern Virginia Procurement Technical Assistance Center. </p><p>The event will be held at Founders Hall, George Mason University, 3351 North Fairfax Drive, Arlington, VA 22201 from 8&#58;30 a.m. to 3&#58;30 p.m.&#160; To register, visit <a href="http&#58;//ow.ly/P0qQE"><span style="text-decoration&#58;underline;">http&#58;//ow.ly/P0qQE</span></a> </p>7/16/2015 6:38:12 PM445http://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx

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