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 2019 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.
Implement critical reforms that will produce a stronger and more resilient housing finance system.
FOSTER competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets that support sustainable homeownership and affordable rental housing; OPERATE in a safe and sound manner appropriate for entities in conservatorship; and PREPARE for eventual exits from the conservatorships.
2019 Conservatorships Strategic Plan
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...
The Federal Housing Finance Agency (“FHFA") is committed to ensuring the security of the American public by protecting their information. This policy is intended to give security researchers clear guidelines for conducting vulnerability discovery activities and to convey our preferences in how to submit discovered vulnerabilities to us.
This policy describes what systems and types of research are covered under this policy, how to send us vulnerability reports, and how long security researchers need to wait before publicly disclosing vulnerabilities.
FHFA encourages you to contact us to report potential vulnerabilities in our systems.
If you make a good faith effort to comply with this policy during your security research we will consider your research to be authorized, and we will work with you to understand and resolve the issue quickly. FHFA will not recommend or pursue legal action related to your research. Should legal action be initiated by a third party against you for activities that were conducted in accordance with this policy, we will make this authorization known.
Under this policy, “research" means activities in which you:
Once you have established that a vulnerability exists or encounter any sensitive data (including personally identifiable information, financial information, or proprietary information or trade secrets of any party),
you must stop your test, notify us immediately, and not disclose this data to anyone else.
The following systems / services are in scope:
Any service not expressly listed above are excluded from scope and are not authorized for testing. Additionally, vulnerabilities found in non-federal systems from our vendors fall outside of this policy's scope and should be reported directly to the vendor according to their disclosure policy (if any). If you aren't sure whether a system is in scope or not, contact us at
firstname.lastname@example.org before starting your research.
Reports are accepted via electronic mail at
email@example.com. Acceptable message formats are plain text, rich text, and HTML.
Reports should provide a detailed technical description of the steps required to reproduce the vulnerability, including a description of any tools needed to identify or exploit the vulnerability. Images, e.g., screen captures, and other documents may be attached to reports. It is helpful to give attachments illustrative names. Reports may include proof-of-concept code that demonstrates exploitation of the vulnerability. We request that any scripts or exploit code be embedded into non-executable file types. We can process all common file types, and file archives including zip, 7zip, and gzip.
Researchers may submit reports anonymously, or provide contact information, and any preferred methods or times of day to communicate. We may contact researchers to clarify reported vulnerability information or other technical interchange.
FHFA prefers that vulnerability report messages be encrypted. We utilize opportunistic Transport Layer Security (TLS) for both incoming and outgoing electronic mail.
By submitting a report to FHFA, researchers warrant that the report and any attachments do not violate the intellectual property rights of any third party and the submitter grants FHFA a non-exclusive, royalty-free, world-wide, perpetual license to use, reproduce, create derivative works, and publish the report and any attachments.
When you choose to share your contact information with us, we commit to coordinating with you as openly and as quickly as possible.
The FHFA is committed to timely correction of vulnerabilities. However, we recognize that public disclosure of a vulnerability in absence of a readily available corrective action likely increases versus decreases risk. Accordingly, we require that you refrain from sharing information about discovered vulnerabilities for 90 calendar days after you have received our acknowledgement of receipt of your report. If you believe others should be informed of the vulnerability prior to our implementation of corrective actions, we require that you coordinate in advance with us.
We may share vulnerability reports with the
Cybersecurity and Infrastructure Security Agency as well as any affected vendors. We will not share names or contact data of security researchers unless given explicit permission.
Questions regarding this policy may be sent to
firstname.lastname@example.org. The FHFA encourages security researchers to contact us for clarification on any element of this policy. Please contact FHFA prior to conducting research if you are unsure if a specific test method is inconsistent with or unaddressed by this policy. We also invite security researchers to contact us with suggestions for improving this policy.
© 2020 Federal Housing Finance Agency