This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.
Read about the agency’s 2022 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.
Submit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.
As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
1.
Operate the business in a safe and sound manner.
2.
Promote sustainable and equitable access to affordable housing.
2023 Scorecard
FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.
Source: FHFA
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...
Glossaries
COVID-19 Resources
The Federal Housing Finance Agency (FHFA) is committed to careful fair lending, fair housing, and unfair or deceptive acts or practices (UDAP) oversight of the regulated entities. Fair lending is central to the principles under which the U.S. housing finance system operates and is a requirement of law. FHFA will never tolerate illegal discrimination by the regulated entities.
We want to hear from you. Questions and feedback on FHFA’s fair lending, fair housing, and consumer protection oversight can be directed to FairLending@fhfa.gov.
FHFA also announces policy updates and clarifications on the regulated entities' programs, products, and activities.
FHFA staff contribute to FHFA's Insights Blog by providing commentary on new developments impacting fair lending, fair housing, and consumer protection.
FHFA monitors fair lending data and risk presented by regulated entity activities. Our Fair Lending Data page presents information on single-family automated underwriting system applications and loans acquired by the Enterprises subset by race and ethnicity, as well as primary market lender aggregate approval rates subset by race and ethnicity. Information on our data methodology and definitions is located on the Data Notes section of the dashboard.
FHFA has also issued Orders on Fair Lending Reporting to the Enterprises. The orders require the Enterprises to submit quarterly reports to FHFA with fair lending information and data to improve the Agency's fair lending supervision and monitoring capabilities.
FHFA’s fair lending oversight program is committed to effective, appropriately tailored supervisory measures to ensure that the regulated entities adhere to applicable fair lending compliance standards. FHFA has broad statutory authority to supervise the regulated entities, including authority to monitor and gather information, conduct supervisory examinations, and enforce compliance with law where appropriate. FHFA as a supervisor monitors regulated entities for fair lending risk, conducts supervisory examinations, and, when necessary, takes enforcement action to ensure compliance with fair lending laws.
FHFA’s statute provides for a program to assess whether loan pricing by lenders results in disparities for minority borrowers compared with non-minority borrowers of similar creditworthiness. If FHFA makes a preliminary finding that a pattern of disparities exists for a lender, FHFA must refer that finding to the appropriate regulatory or enforcement agency for further review.
In 2021, FHFA finalized its policy approach and began referring its preliminary findings to regulatory or enforcement agencies with jurisdiction to conduct examinations or investigations into potential pricing discrimination.
Page Last Updated: April 30, 2024
