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...
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
Access 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.
Use the drop-down menus to provide general input on the Duty to Serve program, or to view previously-submitted comments.
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.
There are many resources to help you better understand the Duty to Serve program, annual processes, markets, and plans.
Modified Underserved Markets Plans
Enterprise Quarterly and Annual Reports
Annual Housing Reports to Congress
Annual Duty to Serve Snapshots
Duty to Serve Overview Materials
Questions on Duty to Serve? Email us and we'll get back to you soon.
© 2021 Federal Housing Finance Agency