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 2017 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.
Goal: Help restore confidence, enhance capacity to fulfill mission, and mitigate systemic risk that contributed directly to instability in financial markets.
MAINTAIN foreclosure prevention activities and credit availability, REDUCE taxpayer risk, and BUILD a new single-family securitization infrastructure. Read more in the 2018 Scorecard and Conservatorships Strategic Plan.
Plans and Reports
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.
HARP - the Home Affordable Refinance Program was created by FHFA specifically to help homeowners current on their mortgage payments, but underwater on their mortgages.
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector.
Meet the experts...
Glossary - Spanish / English
Language Translation Disclosure
Freedom of Information Act (FOIA), 5 U.S.C. Sec. 552, was enacted by Congress and signed into law by President Lyndon B. Johnson in 1966. The FOIA provides that any person has the right to request access to federal agency records or information. All agencies of the United States government are required to disclose records upon receiving a written request for them, except for certain records that are protected from discloser by one or more of the nine exemptions and/or three exclusions of the FOIA. The federal FOIA does not, however, provide access to records held by state or local government agencies, or by private businesses or individuals.
The FOIA Reference Guide is designed to familiarize you with the procedures for making a FOIA request to the Federal Housing Finance Agency (FHFA) for FHFA records. In addition, FHFA's formal rule, 1202 of Title 12 of the Code of Federal Regulations, for making FOIA requests, can be accessed
here. You can also request a copy of FHFA FOIA rule from the FHFA Headquarters FOIA Office by sending a request to
email@example.com, by telephone at 202-649-3803, by facsimile at 202-649-1073, or by regular mail to the FOIA Office, Federal Housing Finance Agency, 400 7th Street, S.W., Eighth Floor, Washington, D.C. 20219.
Please note that all mail sent to FHFA via the United States Postal Service is routed through a national irradiation facility, a process that can delay delivery by approximately two weeks. For any time-sensitive correspondence, please plan accordingly.
Where to Request Records
How to File a FOIA Request
FOIA Fee Schedule
FOIA Requester Categories
FOIA Exemptions and FOIA Exclusions
Initial Request Determination
To submit a FOIA request for FHFA Headquarters records mail to FOIA Office, Federal Housing Finance Agency, 400 7th Street, S.W., Eighth Floor, Washington, D.C. 20219 or email to
To submit a FOIA request for FHFA Office of Inspector General records mail to OIG FOIA Office, Federal Housing Finance Agency Office of Inspector General, 400 7th Street, S.W., Third Floor, Washington, D.C. 20219 or email to
Requests submitted after normal business hours (8:30 a.m. to 5:00 p.m., Eastern Time, Monday through Friday), will be deemed received on the next normal business day.
Please note that all mail sent to FHFA via the United States Postal Service is routed through a national irradiation facility, a process that may delay delivery by approximately two weeks. For any time-sensitive correspondence, please plan accordingly. Envelopes should be marked "Freedom of Information Act Request."
Before you submit a FOIA request, you may wish to visit
FHFA's website and
FHFA-OIG's website where there is a great deal of information. You can also obtain records that are publicly available by visiting the FOIA Reading Room of each office.
Although there is no special form for filing a request, your request must be in writing, contain a description of the records sought and include the amount of fees you are willing to pay. When describing the records you seek, you request should include as much specific information as possible, such as names, dates, titles, author, recipient, subject matter, or file designations, or the description of the record. The more specific you are about the records or types of records that you want; the more likely it will be that the FHFA will be able to locate those records. Please note that the FOIA does not require agencies to answer questions, or to create records to respond to a request.
Under certain circumstance, you may be entitled to receive more information under the Privacy Act of 1974 than under the FOIA. Under the FOIA anyone can request any record. Privacy Act request are more limited to U.S. residence who are seeking information about themselves, which is in a system of maintained under a unique identifier (e.g., name, ssn, loan number, etc.). Even if a request does not mention the Privacy Act, FHFA automatically treats requests as being made under both the FOIA and the Privacy Act whenever it is appropriate to do so. For more information regarding the Privacy Act please visit FHFA's Privacy Act website here.
FOIA request fees are based on time spent searching, reviewing, and making available for inspection or copying, documents. For the current calendar year, the fees would be assessed as follows:
Grade Group Processing Request
EL-14 and above
EL-10 to EL-13
EL-6 to EL-9
Fee Item Description
Photocopy (hard copy or electronic equivalent, includes but is not limited to scanning)
Transcription of audio tapes
Certification, seal and attestation
$.25 per call plus $.25 per page
A fee is not charged if the charges for processing the request are less than or equal to the cost of routine collection processing of the fee. Therefore, if the total of charges due for processing a request is less than $25.00, no fee will be charged. If the estimated fee exceeds $100.00 the requester will be notified, unless the requester has stated in the FOIA request an amount sufficient to cover the estimated fees.
You may include in your request letter a specific statement limiting the amount that you are willing to pay in fees. If you do not do so, you will be asked to express your commitment to pay the estimated fees and the processing of your request will be suspended until you agree to do so. Ordinarily you will not be required to actually pay the fees until the records have been processed. If, however, you have failed to pay fees in the past or if the estimated fees exceed $1,000.00, you may be required to pay the estimated fees in advance, that is, before the records are processed. If you agree to pay fees and then fail to do so, you may be charged interest on your overdue balance and FHFA will not process any further requests from you until payment has been made in full. Also, if you agree to pay for searching records, be aware that you may be required to pay such fees even if the search does not locate any responsive records or, if records are located, they are withheld as entirely exempt.
If you expect or are advised that a fee will be charged, you may request a fee waiver pursuant to the FOIA 5 U.S.C. § 552(a)(4)(A)(iii) and FHFA's FOIA regulation, 5 CFR 1202.11(h). In order for FHFA to make a determination on your request for a fee waiver, you
must satisfy the statutory requirements by addressing the following factors:
Please note that a requester's inability to pay fees is not a legal basis for granting a fee waiver.
For the purposes of fees, the FOIA divides requesters into three categories. The following is a chart of the three specific categories and chargeable fees:
FOIA Requester Category
Chargeable Service Fees
Search and Review time, and Duplication cost or an electronic equivalent
Noncommercial Requester - three subcategories (Educational Institution, Non-commercial Scientific Institution, and Representative of the News Media)
Duplication cost (in excess of 100 pages, or an electronic equivalent of 100 pages)
All Other Requesters
Search time (after the first 2 hours) and Duplication cost (in excess of 100 pages, or an electronic equivalent of 100 pages)
Under the FOIA, all federal agencies are required to respond to a valid FOIA request within twenty (20) business days, excluding Saturday, Sundays, and legal holiday. This period does not begin until the request is actually received by the FOIA office of the agency. An agency is not required to send out the releasable documents by the last business day; it can send you a letter informing you of its decision and then send out the documents within a reasonable time afterwards.
Under the FOIA, an agency may extend the response time for an additional ten business days when: (1) the agency needs to collect responsive records from various offices; (2) the request involves a "voluminous" amount of records which must be located compiled, and reviewed; or (3) the agency must consult with another agency which has a substantial interest in the responsive material.
Under certain conditions, you may be entitled to have your request processed on an expedited basis. FHFA will grant expedited processing pursuant to the FOIA and FHFA regulation, 12 CFR Part 1202.10, if the request demonstrates a compelling need by establishing one or more of the following:
A request for expedited processing must be accompanied by a statement setting forth the reasons why your request should be expedited. You should certify that the reasons you have given are true and correct. FHFA is required to notify you of its decision whether to grant expedited processing within no more than 10 days after receiving your request. If an agency denies your request for expedited processing, you will be advised of your right to an administrative appeal.
Pursuant to the FOIA, a federal agency can withhold information if the information pertains to one or more of the FOIA exemption. The nine exemptions are:
FOIA Exemption Description
Classified national defense and foreign relations information
Internal agency rules and practices
Information that is prohibited from disclosure by another federal law
Trade secrets and other confidential business information
Inter-agency or intra-agency communication that are protected by legal privileges
Information involving matters of personal privacy
Certain types of information compiled for law enforcement purposes
Information relating to the supervision of financial institutions
geological information of wells
The three exclusions are:
FOIA Exclusion Description
Where the subject of a criminal investigation or proceeding is unaware of the existence of records concerning a pending investigation and disclosure of such records would interfere with the investigation.
Where there are informant records maintained by a criminal law enforcement agency and the individual's status as an informant is not known.
Where there are classified FBI records pertaining to foreign intelligence, counterintelligence or international terrorism records.
Once FHFA has processed your request and all fee issues have been resolved, the agency will send you a written initial determination. The FOIA provides access to all federal agency records (or portions of those records), except for those records that are withheld under one or more of the nine FOIA exemptions or three exclusions (see above). The determination letter, if applicable, will provide you with the number of pages and/or documents found in response to your request, a brief description of those records, the number of pages being released, and the number of pages being withheld pursuant to one or more of the FOIA exemptions. The letter will also provide you of your appeal rights.
Pursuant to the FOIA and FHFA regulation, 12 CFR Part 1202.9, you may file an administrative appeal on any aspect of FHFA's decision (i.e., initial determination, fee waiver, or expedited processing). Your appeal must be in writing and addressed to the FOIA Appeal Officer by clicking here, or mail to FOIA Office, Federal Housing Finance Agency, 400 7th Street, S.W., Washington, D.C. 20219. To ensure that your appeal gets routed correctly, please mark your appeal with "FOIA Appeal." Your appeal must be filed within 90 calendar days of the date of the decision made by FHFA. Your appeal must include the following: (1) copy of your initial request; (2) copy of the initial determination; and (3) the reason(s) to support your appeal. A determination on your appeal will be in writing and sent to you within 20 days, unless an extension is requested. FOIA appeals submitted after normal business hours (8:30 a.m. to 5:00 p.m., Eastern Time, Monday through Friday), will be deemed received on the next normal business day.
If you still believe that the FHFA has not handled your FOIA request in accordance with the law, you have the right to challenge the agency's action in federal court, or you may seek the assistance from the Office of Government Information Services of the National Archives and Records Administration (OGIS). You may find information about OGIS
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