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.
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
COVID-19 Resources
Today, Fannie Mae and Freddie Mac (the Enterprises) announced a reduction in the upfront fee for commingled securities to 9.375 basis points, effective April 1, 2023. This comes as the result of months-long analysis and stakeholder engagement by the Federal Housing Finance Agency (FHFA) to consider a variety of views on the fee and its potential impacts on the Uniform Mortgage-Backed Security (UMBS) market.
FHFA is dedicated to preserving the strength and resilience of the UMBS market, given the significant improvement in liquidity and stability that UMBS has afforded the To-Be-Announced (TBA) market. To support these objectives, FHFA is committed to maintaining a durable framework that will enable commingling activity to resume in a way that addresses the concerns of all stakeholders to the greatest extent possible.
As FHFA continues its review of the Enterprise Regulatory Capital Framework (ERCF) to ensure the ERCF appropriately reflects the risks of the Enterprises’ business activities including commingled securities, the Agency appreciates the constructive engagement with all market participants and is committed to ongoing dialogue on this issue.
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