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The Federal Housing Finance Agency (FHFA) is committed to careful fair lending oversight of the regulated entities. Fair lending is central to the principles under which the U.S. housing finance system operates and is a requirement of law. FHFA will never tolerate illegal discrimination by the regulated entities. In 2018, FHFA created the Office of Fair Lending Oversight (OFLO) to ensure that the regulated entities operate consistently with the public interest and with sufficient overall risk management by providing fair, equitable, and nondiscriminatory access to credit and housing.

On July 1, 2021, FHFA published the Policy Statement on Fair Lending to communicate its general position on monitoring and information gathering, supervisory examinations, and administrative enforcement related to the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and section 4545 of the Federal Housing Enterprises Financial Safety and Soundness Act (Safety and Soundness Act).



FHFA Policy Statement on Fair Lending (July 2021)

Fannie Mae Fair Lending Reporting Order (July 2021)

Freddie Mac Fair Lending Reporting Order (July 2021) 

Interagency Statement on Special Purpose Credit Programs​ (February 2022)


Please contact OFLO at  FairLending@fhfa.gov with questions.

Page last updated:  February 23, 2022

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