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FHFA Review to Enterprises’ 2022-2024 DTS Plans

FHFA has reviewed Fannie Mae’s and Freddie Mac’s revised Duty to Serve Proposed Plans for 2022-24 and determined that neither Enterprise’s Plan meets the DTS Non-Objection standard for any of the three underserved markets.  

The Agency has directed both Enterprises to submit additional revisions to improve the Plans’ impact on all three DTS underserved markets. In the meantime, however, DTS implementation will continue without interruption based on objectives in the Enterprises’ current proposed Plans.  

Under the DTS Program, Fannie Mae and Freddie Mac prepare and submit 3-year underserved markets Plans (Plans) detailing their activities to serve the manufactured housing, rural housing and affordable housing preservation markets. FHFA reviews and issues Non-Objections to those Plans, based on the intended impact in each market. The first Plan cycle concluded in 2021 and the Enterprises are developing Plans for the second cycle covering 2022-2024. 

​If you have any questions or concerns, please send an email to DutyToServeStakeholders@FHFA.gov.

​What's New?​

currentproposedplans (1).pngLatest Underserved Market Plans

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annualreport.png 2020 Annual Report Summaries​

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currentproposedplans (1).pngQuestions and Answers 

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Public Listening Sessions on the Enterprises' Proposed 2022-2024 UMPs​​

Rural Housing (7/12/21)Affordable Housing Preservation (7/13/21), and Manufactured Housing (7/24/21)



currentevaluationguidance.png 2021 Plan Modifications

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Final Rule​​

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currentevaluationguidance.png Current Evaluation Guidance

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finalrule.png Annual Housing Report

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annualreport.png Enterprise Annual Reports​

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Annual Report to Congress

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Data and Tools

2021-DTS-Single-Family-Dashboard.pngAccess datasets and interactive maps for DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty. Below is our Single-Family Dashboard for 2020. This interactive map looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels. 






We Want to Hear From You

Use the drop-down menus to provide general input on the Duty to Serve program, or to view previously-submitted comments.


Explore Duty to Serve



Want to learn more about how the DTS program works? Learn about the underserved markets, process timeline, plan structure, statutory and regulatory activities, evaluation process, and more.

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There are many resources to help you better understand the Duty to Serve program, annual processes, markets, and plans.

Evaluation Guidance

Modified Underserved Markets Plans

Event Materials

Enterprise Quarterly and Annual Reports

Annual Housing Reports to Congress

Press Releases

Annual Duty to Serve Snapshots


​​Duty to Serve Overview Materials

Proposed Rule 

External Resources 

​Meet the Team

Meghan Aines
Duty to Serve Intern

Arun Barman
Duty to Serve Senior Economist
Marcea Barringer
Duty to Serve Supervisory Policy Analyst
Lauren Boyd
Duty to Serve Policy Analyst

Rebecca Cohen
Duty to Serve Senior Policy Analyst
Toi Roberts
Duty to Serve Program Analyst
Michael Price
Duty to Serve Policy Analyst

​   Meet the Exper​ts​

​Contact the Duty to Serve Team

Questions on Duty to Serve? Email us and we'll get back to you soon.​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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