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
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Lou Scalza serves as the Acting Director in FHFA’s Office of Minority and Women Inclusion (OMWI). Scalza oversees all activities of FHFA’s OMWI, including those related to diversity and inclusion (D&I) regulation and supervision of FHFA’s regulated entities – both the Enterprises (Fannie Mae and Freddie Mac) and the Federal Home Loan Banks (FHLBanks) – as well as those related to FHFA’s internal D&I efforts.
Scalza has served in various capacities at FHFA and one of its predecessor agencies since 2004, including as Associate Director of Examinations for the FHLBanks, Associate Director for Policy and Program Development for the FHLBanks, Associate Director of FHFA’s Office of Quality Assurance, and Acting Deputy Director for the Division of FHLBank Regulation (DBR). He also currently serves as Senior Associate Director of DBR’s Office of Safety and Soundness Examinations.
Scalza is a career bank supervisor, serving in a variety of bank supervisory roles. He spent the first seven years of his career at the FDIC as a community bank examiner in New Jersey. He then transferred to FDIC’s headquarters in Washington, DC, where he spent seven years conducting offsite supervision of internationally active banks – covering both U.S. banks that loaned funds abroad and foreign banks that had FDIC-insured U.S. operations. In 2004, he accepted a position as senior bank examiner at the Federal Housing Finance Board (predecessor to FHFA) and served for three years as examiner-in-charge of one of the FHLBanks.
Scalza graduated with honors from Rutgers University and School of Business with a B.S. in Finance in 1990. He completed the Stonier Graduate School of Banking in 2009. He holds the following designations: Chartered Financial Analyst (CFA), Financial Risk Manager (FRM), Certified Investments and Derivatives Auditor (CIDA), and Accredited Mortgage Professional (AMP). Scalza is a commissioned bank examiner.
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Page last updated: May 17, 2023
