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Welcome to the Government page of FHFA’s website.  This page provides consolidated resources for federal, state and local government personnel who are interested in the nation’s housing finance system.


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Key Legislation


​Short Title (Citation)



Federal Home Loan Bank Act

12 U.S.C. 1421 et seq.
(Public Law 72-304 (1932))

Established the Federal Home Loan Bank System.

​​GPO Text / PD​F


Federal Housing Enterprises Financial Safety and Soundness Act of 1992

12 U.S.C. 4501 et seq.
(Public Law 102-550 (1992))

Primary statutory authorization for FHFA’s regulation of Fannie Mae, Freddie Mac and the Federal Home Loan Bank System, including supervision of housing mission and goals and actions as conservator or receiver for Fannie Mae, Freddie Mac or any Federal Home Loan Bank.

Housing and Economic Recovery Act of 2008

(Public Law 110-289 (2008))

Amended the Safety and Soundness Act to create FHFA, place regulation of Fannie Mae, Freddie Mac and the Bank System under one regulator, enhance supervision of these regulated entities, and enhance FHFA's authorities as conservator or receiver. 






​Federal Home Loan Mortgage Corporation Act

12 U.S.C. 1451 et seq.
(Public Law 91-351 (1970))

Created Freddie Mac and provided authority for Freddie Mac’s activities.

GPO Text / PDF​


Federal National Mortgage Association Charter Act

12 U.S.C. 1716 et seq.
(Public Law 84-345,National Housing Act, Title III (1934), as amended by the Housing and Urban Development Act of 1968)

Created Fannie Mae and provided authority for Fannie Mae’s activities. Amendment in 1968 created the Government National Mortgage Association (Ginnie Mae), supervised by the Department of Ho​using and Urban Development.

GPO Text / PDF

​Find regulations pertaining to FHFA supervision at eCFR.




 Related Information



U.S. House Price Index - February 201711704<p>U.S. house prices rose in February according to the&#160;FHFA seasonally adjusted monthly House Price Index (HPI). &#160;From February 2016 to February 2017, house prices were up <strong>6.4 percent</strong>.&#160;</p><p>For the nine census divisions, seasonally adjusted monthly price changes from January 2017 to February 2017 ranged from -0.1 percent in the South Atlantic division to +1.8 percent in the East South Central division.&#160; The 12-month changes were all positive, ranging from +4.6 percent in the Middle Atlantic division to +9.5 percent in the Mountain division.</p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs in the attachment. </p><p><a href="/Media/PublicAffairs/Pages/FHFA-House-Price-Index-Up-0pt8-Percent-in-February-2017.aspx">Related News Release</a></p>4/25/2017 1:01:00 PM487https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - February 201711574<h3>​February 2017 Highlights</h3><p>Total refinance volume fell in February 2017 as mortgage rates in January remained over half a percent higher than the levels observed in November 2016. Mortgage rates increased in February&#58; the average interest rate on a 30‐year fixed rate mortgage rose to 4.17 percent from 4.15 percent in January.</p><p>In February 2017&#58;</p><ul><li> Borrowers completed 4,198 refinances through HARP, bringing total refinances from the inception of the program to 3,456,422. </li><li>HARP volume represented 3 percent of total refinance volume.</li><li>Six percent of the loans refinanced through HARP had a loan-to-value ratio greater than 125 percent.</li></ul><p>Year to date through February 2017&#58;</p><ul><li>Borrowers with loan‐to‐value ratios greater than 105 percent&#160; accounted for 18 percent of the volume of HARP loans.</li><li>Twenty three percent of HARP refinances for underwater borrowers were for shorter‐term 15‐ and 20‐year mortgages, which build equity faster than traditional 30‐year mortgages.</li><li>HARP refinances represented 6 or more percent of total refinances in Nevada and Florida, double the 3 percent of total&#160; refinances nationwide over the same period.</li></ul><p> Borrowers who refinanced through HARP had a lower delinquency&#160; rate compared to borrowers eligible for HARP who did not refinance&#160; through the program.</p><p>Ten states accounted for over 60 percent of the nation's HARP eligible loans with a refinance incentive as of September 30, 2016. </p>4/13/2017 3:00:12 PM251https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Prevention Report - January 201711560<h3>January 2017 Highlights</h3><p> <strong>The Enterprises' Foreclosure Prevention Actions&#58;</strong> </p><ul><li>The Enterprises completed 14,558 foreclosure prevention actions in January 2017, bringing the total to 3,847,918 since the start of the conservatorships in September 2008. Over half of these actions have been permanent loan modifications.</li><li>There were 9,405 permanent loan modifications in January, bringing the total to 2,031,726 since the conservatorships began in September 2008.</li><li>The share of modifications with principal forbearance decreased to 19 percent during the month. Modifications with extend-term only increased to 44 percent due to continuing improvement in house prices.<br></li><li>There were 1,615 short sales and deeds-in-lieu completed in January, down 5 percent compared with December.</li></ul><p> <strong>The Enterprises' Mortgage Performance&#58;</strong><br> </p><ul><li>The serious delinquency rate remained flat at 1.12 percent at the end of January.</li></ul><p><strong> The Enterprises' Foreclosures&#58;</strong><br> </p><ul><li>Third-party and foreclosure sales increased 16 percent from 5,764 in December to 6,705 in January. </li><li>Foreclosure starts increased 10 percent from 15,133 in December to 16,604 in January.</li></ul>4/12/2017 3:00:25 PM231https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Office of Minority and Women Inclusion Annual Report to Congress - 201623030FHFA established an Office of Minority and Women Inclusion (OMWI) in accordance with Section 342 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act).&#160;&#160;FHFA’s OMWI is responsible for leading the Agency’s efforts to advance diversity and inclusion and developing standards for&#58;<p>&#160;</p><ul><li>Equal employment opportunity (EEO) and the racial, ethnic, and gender diversity of the Agency’s workforce and senior management;<br></li><li>Increased participation of minority- and women-owned businesses (MWOBs) in Agency programs and contracts; and<br></li><li>Assessing the diversity policies and practices of the regulated entities.<br></li></ul><p>Section 1116(f) of HERA also requires the Agency to seek diversity in its workforce, at all levels, consistent with the demographic diversity of the United States.&#160;This report highlights the programs, initiatives, and practices the Agency implemented during 2016 to&#58;</p><div><ul><li>Advance diversity and ensure inclusion within its workforce;<br></li><li>Provide opportunities for the inclusion and utilization of MWOBs in all of the Agency’s business activities; and<br></li><li>Supervise the regulated entities’ efforts to promote diversity and ensure inclusion in their respective organizations.</li></ul></div>3/31/2017 3:13:29 PM462https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
2016 Scorecard Progress Report22961<p>​This Progress Report summarizes major activities of Fannie Mae and Freddie Mac in 2016 that contributed to achieving FHFA's strategic objectives as conservator of the Enterprises.&#160; FHFA set forth three such objectives in the 2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac (2014 Conservatorship Strategic Plan) issued on May 13, 2014&#58; <strong>Maintain</strong>, <strong>Reduce</strong>, and <strong>Build</strong>. </p><p><a href="/Media/PublicAffairs/Pages/FHFA-Report-Details-Progress-on-the-2016-Scorecard-for-Fannie-Mae-and-Freddie-Mac.aspx">Link to Related New Release</a> </p>3/29/2017 5:21:12 PM1348https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

© 2017 Federal Housing Finance Agency