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...
FHFA is an independent agency of the federal government with a unique mission responsible for providing oversight of the housing government-sponsored enterprises (GSEs or regulated entities).
The housing GSEs include Fannie Mae, Freddie Mac (known as the Enterprises), the Federal Home Loan Banks (FHLBanks) and the FHLBank System’s Office of Finance.
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 considering complaints and appeals from any GSE and any person that has a business relationship with a GSE concerning any matter relating to FHFA's regulation and supervision of that GSE.
The Office of the Ombudsman is not responsible for 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.
Janell Byrd-Chichester acts as FHFA’s Interim Ombudsman. She assumed this role in October 2015.
ensures that complaints and appeals concerning the regulation and supervision of the GSEs are considered in a fair and timely manner;
conducts independent inquiries and acts as a neutral facilitator or mediator to help resolve complaints and appeals; and
submits findings of fact and recommendations to the FHFA Director concerning complaints and appeals that have not been resolved through facilitation or mediation.
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 complaints concerning internal FHFA functions, such as personnel and procurement;
handle consumer complaints (if you are a homeowner or homebuyer with a complaint, please see our
Homeowner & Homebuyers page);
handle fraud allegations (to report fraud, contact the FHFA Office of Inspector General at 800-793-7724 or visit the FHFA OIG website); or
accept complaints about the regulated entities from regulated entity employees (regulated entity employees should address their concerns to the appropriate office within their institution).
The Office of the Ombudsman has dedicated telephone and fax lines and secure file facilities. The Office does not disclose the identity of a party or the information or materials provided by a party except to appropriate reviewing or investigating officials or if disclosure is required by law.
FHFA regulates Fannie Mae, Freddie Mac, the FHLBanks, and the Office of Finance of the FHLB System. It does not regulate FHLBank members or any other financial institution. If your complaint is about an organization other than those FHFA regulates, please contact the appropriate agency.
Contact information for the ombudsmen of other federal regulators is provided 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
File a complaint
Telephone:Dial Toll Free 888-665-1474 and leave a message.
Federal Housing Finance Agency
400 7th Street , SWWashington, DC 20219
© 2018 Federal Housing Finance Agency