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 2020 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.
Operate the business in a safe and sound manner.
Promote sustainable and equitable access to affordable housing.
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.
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...
FHFA is an independent agency of the federal government that regulates and supervises the housing government-sponsored enterprises (GSEs).
The housing GSEs are Fannie Mae, Freddie Mac, the Federal Home Loan Banks (FHLBanks), the FHLBank System’s Office of Finance, and Common Securitization Solutions, LLC (CSS).
The FHFA Office of the Ombudsman was established pursuant to the
Housing and Economic Recovery Act of 2008 and FHFA implementing
regulations. The Office is responsible for independent, neutral consideration of complaints and appeals on matters relating to FHFA's regulation and supervision of the housing GSEs.
The Office of the Ombudsman does not consider consumer complaints. If you are a homeowner or homebuyer with a complaint, please see our
Homeowners & Homebuyers page.
Neither FHFA nor any FHFA employee may retaliate against a GSE or a person for submitting a complaint or appeal to the Ombudsman.
Considers complaints and appeals relating to the regulation and supervision of the housing GSEs:
Complaints may be submitted by any housing GSE or by any person with a business relationship with a housing GSE; and
Appeals may be submitted by any housing GSE;
Conducts independent inquiries and acts as a neutral facilitator or mediator to help resolve complaints and appeals in a fair and timely manner; and
Submits findings of fact and recommendations to the FHFA Director concerning complaints and appeals that are not resolved administratively or by consent.
Handle consumer complaints (if you are a homeowner or homebuyer with a complaint, please see our
Homeowner & Homebuyers page);
Facilitate or mediate disputes for which there is an existing avenue of appeal or other forum, such as matters in litigation, arbitration, or mediation; or a matter within the jurisdiction of the FHFA Office of Inspector General;
Handle employment disputes involving the housing GSEs (any housing GSE employee should address concerns to the appropriate office within their institution).
The Office of the Ombudsman will honor requests not to disclose the identity of a person submitting a complaint or appeal, or the information or materials provided by a party, except to appropriate reviewing officials or as required by law.
Complaints and appeals must be submitted in writing and include the information above. No specific form is required.
Electronic submissions may be made at:
Or sent by email to:
Submissions may be sent by U.S. mail to:
OmbudsmanFederal Housing Finance AgencyConstitution Center400 7th Street, SWWashington, D.C. 20219
For information on Accessibility and Section 508 of the Rehabilitation Act, click on this linkhttps://www.fhfa.gov/AboutUs/Policies/Pages/Accessibility.aspx.
If you have a disability and the format of any material on our Web pages interferes with your ability to access the information, please contact the Agency’s webmaster at
FHFAWebmaster@FHFA.gov or at 202-649-3031.
Procedures of the FHFA Office of the Ombudsman may be found here: Ombudsman Procedures
To report suspected fraud or find resources about suspected fraud:
To submit complaints about institutions other than housing GSEs:
FHFA regulates and supervises Fannie Mae, Freddie Mac, the FHLBanks, the Office of Finance of the FHLBank System, and CSS. Other federal agencies regulate and supervise other financial institutions. For complaints relating to institutions regulated by agencies other than FHFA, please see the ombudsman office contact information below.
Consumer Finance Protection BureauEnforces federal consumer financial laws at banks, credit unions, and other financial companies855-830-7880 or
Office of the Comptroller of the CurrencyCharters and regulates national banks, thrifts, and savings banks202-649-5530
Federal Reserve SystemSupervises and regulates banking institutions that are members of the Federal Reserve System800-337-0429 or
Federal Deposit Insurance CorporationRegulates state chartered banks that are not members of the Federal Reserve System877-275-3342 or
National Credit Union AdministrationRegulates credit unions703-518-1175 or
© 2023 Federal Housing Finance Agency