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.
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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...
Across the housing market, landlords increasingly rely on
tenant screening reports as part of their selection criteria, but research shows that these reports
too often contain imprecise information, including inaccuracies in criminal and eviction records and credit history. Today, FHFA joins several other federal agencies, as part of its work with the Interagency Policy Council on Tenant Protections, to advance best practices in adverse action notices.
Under the Fair Credit Reporting Act (FCRA), all landlords or property managers are
required to inform rental applicants of negative information from a consumer report that led to the rejection of a rental application or another action unfavorable to the applicant. This requirement is known as the adverse action notice.
When a multifamily borrower with an Enterprise-backed mortgage denies a rental application, FHFA strongly encourages the borrower to:
A written notice paired with a report copy allows the borrower to demonstrate they have fulfilled their legal obligations under the FCRA, and also permits rental applicants to understand the basis for any denial, fully assert their rights with tenant screening companies, and more effectively correct their records.
FACT SHEET: Biden-Harris Administration Takes Action to Protect Renters
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