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 2019 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.
Implement critical reforms that will produce a stronger and more resilient housing finance system.
FOSTER competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets that support sustainable homeownership and affordable rental housing; OPERATE in a safe and sound manner appropriate for entities in conservatorship; and PREPARE for eventual exits from the conservatorships.
2019 Conservatorships Strategic Plan
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...
On February 18, 2020, Federal Housing Finance Agency (FHFA)
announced Fannie Mae and Freddie Mac (the Enterprises) have published a Joint Credit Score Solicitation.
The Credit Score Solicitation describes the process for credit score model developers to submit applications to the Enterprises. The Enterprises will begin accepting applications on May 18, 2020. The application period will be open for 120 days, ending on September 15, 2020.
The validation and approval of credit score models will be a multiyear effort by the Enterprises under requirements established by
FHFA's final rule on the process for validation and approval of credit score models. FHFA's rule implements the requirements in Section 310 of the Economic Growth, Regulatory Relief, and Consumer Protection Act enacted on May 24, 2018.
Link to Fannie Mae Credit Score Solicitation
Link to Freddie Mac Credit Score Solicitation
Submit your questions to us via email.
Final Rule Resources
News Release: FHFA Publishes Final Rule on Credit Score Models (8/13/2019)
Validation and Approval of Credit Score Models (8/13/2019)
Validation and Approval of Credit Score Models - Final Rule (8/13/2019)
Proposed Rule Resources
Validation and Approval of Credit Score Models Proposed Rule(1/9/2019)
Webinar Transcript: Validation and Approval of Credit Score Models Proposed Rule (1/9/2019)
Webinar Slide Presentation:
Validation and Approval of Credit Score Models Proposed Rule (1/9/2019)
Validation and Approval of Credit Score Models by the Enterprises (12/13/2018)
FHFA Issues Proposed Rule on Validation and Approval of Credit Score Models (12/13/2018)
FHFA Fact Sheet: Validation and Approval of Credit Score Models by the Enterprises (12/13/2018)
Decision to Shift Focus to Implementation of the Act
FHFA Announces Decision to Stop Credit Score Initiative (7/23/2018)
Mortgage Industry Use of Credit Scores (7/23/2018)
Request for Input
FHFA Extends Deadline to March 30 for Request for Input on Fannie Mae and Freddie Mac Credit Score Requirements (2/2/2018)
FHFA Insights Blog: FHFA Needs Your Feedback on Credit Score Requirements (1/18/2018)
News Release: FHFA Issues Request for Input on Fannie Mae and Freddie Mac Credit Score Requirement (12/20/2017)
View Request for Input (Input was due March 30, 2018)
View Input Submitted (Select
Credit Score in the pull down)
Page last updated: February 18, 2020
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