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 2020 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.
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As part of their risk management processes, Fannie Mae and Freddie Mac (the Enterprises) each
have established an approval process for seller/servicers that includes both ascertaining that
seller/servicers meet minimum financial eligibility requirements and monitoring compliance of
A seller/servicer must meet or exceed minimum financial requirements in order to be an
approved Enterprise seller/servicer. The minimum financial requirements are not, by themselves,
measures of adequacy. Accordingly, the Enterprises may institute requirements beyond the
minimum financial requirements for certain seller/servicers due to situations including, but not
limited to, overall complexity or other evidence of heightened risk embedded in the business
model or financial condition.
The eligibility requirements are not regulatory requirements, and a seller/servicer that does not
wish to do business with the Enterprises is not required to meet them. The Enterprises do not
regulate seller/servicers but, as a matter of prudent risk management, they consider possible risk
exposure from contractual relationships with seller/servicers and assess, monitor, and take
appropriate actions to address the risks to which they are exposed in their business relationships.
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Adam Russell Adam.Russell@FHFA.gov
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