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Duty to Serve Program


The Duty to Serve (DTS) requires Fannie Mae and Freddie Mac (Enterprises) to facilitate a secondary market for mortgages on housing for very low-, low-, and moderate-income families in: Manufactured housing, Affordable housing preservation, and Rural housing.  The 2018-2020 Plans describe specific activities each Enterprise will undertake to fulfill their Duty to Serve obligations in each underserved market.

2019 Public Listening Sessions

Fannie Mae, Freddie Mac (the Enterprises), and the Federal Housing Finance Agency (FHFA), in collaboration with the Federal Reserve Bank of St. Louis and the Federal Reserve Bank of San Francisco are hosting four Duty to Serve (DTS) Listening Sessions in the Fall of 2019:

  • November 19, 2019 at the Federal Reserve Bank of St. Louis in St. Louis, MO
  • November 21, 2019 at the Federal Reserve Bank of San Francisco, Los Angeles Branch in Los Angeles, CA
  • December 2, 2019 at FHFA’s Headquarters in Washington, DC 
  • December 11, 2019 virtual session via webinar

Each session will be held from 8 a.m.- 5:30 p.m. Click here for a sample agenda. 

These listening sessions are an opportunity for the public to provide input on the Enterprises’ proposed plans for the second DTS plan cycle, 2021-2023. Senior staff from the Enterprises and FHFA will be present at each listening session to hear directly from stakeholders on what should or should not be included in these plans.

Public input plays a critical role in plan development by: 

  • Identifying the most relevant issues in each underserved market.
  • Offering the Enterprises ideas for what they may undertake through their plans.
  • Providing insight on activities that should be prioritized.
  • Providing insight on the potential impact that Fannie and Freddie’s objectives could have in an underserved market.

The opportunity to register to attend has closed.

If you have any additional questions or concerns, please contact DutytoServeStakeholders@fhfa.gov.

Explore Duty to Serve

The Markets 


On December 20, 2019, the Federal Housing Finance Agency published Fannie Mae and Freddie Mac's (the Enterprises) modified Underserved Markets Plans for 2018-2020 under the Duty to Serve program.  The Plans, originally published Dec. 18, 2017 became effective Jan. 1, 2018.  

Each Enterprise adopted a three-year Underserved Markets Plan.  The activities proposed by the Enterprises are subject to FHFA review and approval to ensure compliance with the Enterprises' Charter Acts, safety and soundness, and other conservatorship and regulatory requirements.  Under the Duty to Serve rule and FHFA's Evaluation Guidance, an Enterprise may propose to modify its Plan at any point if future events affect its ability to achieve the Plan's original objectives.

Public Input





Data and Tools

Click to access the Duty to Serve Data and Tools page, containing datasets on rural areas, Indian tribe areas, high opportunity areas, and areas of concentrated poverty.

Below is one of our interactive dashboards for the high-needs rural region, which is also featured on our Data and Tools page along with our other data tools. This visualization is one of the featured activities under the Enterprises' Duty to Serve plans. FHFA produces data files on high-needs counties (Middle Appalachia, Lower Mississippi Delta, Counties with Colonias, and Persistent Poverty Counties) as well as Census tracts which are identified as rural for Duty to Serve purposes. FHFA created this interactive map to help users visualize both rural tracts and high-needs counties under the Duty to Serve program. 

 Duty to Serve High-Needs Counties thumbnail 

2018-2020 Duty to Serve High-Needs Counties with Rural Tracts Map

Access the instructions on how to use the map here.


Duty to Serve Overview Video

Duty to Serve video thumbnail 

Jim Gray, Manager of the Duty to Serve program, gives an overview of the program.  



Find what you're looking for:

​About Us

Matt Douglas
Duty to Serve Assistant Program Manager

Jim Gray
Duty to Serve Program Manager

Arun Barman
Duty to Serve Senior Economist

Rebecca Cohen
Duty to Serve Senior Policy Analyst

​Geenae R. Rivera Soto
Duty to Serve Policy Analyst

Meet the Experts

​Contact Us

Submit your questions to us via email.

© 2019 Federal Housing Finance Agency