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.
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...
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)
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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