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 2018 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.
Goal: Help restore confidence, enhance capacity to fulfill mission, and mitigate systemic risk that contributed directly to instability in financial markets.
MAINTAIN foreclosure prevention activities and credit availability, REDUCE taxpayer risk, and BUILD a new single-family securitization infrastructure. Read more in the 2018 Scorecard and Conservatorships Strategic Plan.
Plans and Reports
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...
Glossary - Spanish / English
Language Translation Disclosure
The Duty to Serve (DTS) requires Fannie Mae and Freddie Mac (Enterprises) to facilitate a secondary market for mortgages on housing for very low-, low-, and moderate-income families in: Manufactured housing, Affordable housing preservation, and Rural housing. The 2018-2020 Plans describe specific activities each Enterprise will undertake to fulfill their Duty to Serve obligations in each underserved market.
Click to access the Duty to Serve Data and Tools page, containing datasets on rural areas, Indian tribe areas, high opportunity areas, and areas of concentrated poverty.
Below is one of our interactive dashboards for the high-needs rural region, which is also featured on our Data and Tools page along with our other data tools. This visualization along with dashboards on rural regions and manufactured housing titled as real property, allow users to see 2017 data on acquisitions of loans that meet DTS criteria by trends, states, counties, along with various loan characteristics.
2017 DTS Single-Family Dashboard
Serving high-needs rural regions is one of the featured activities under the Enterprises’ Duty to Serve plans. FHFA produces data files on high-needs counties (Middle Appalachia, Lower Mississippi Delta, Counties with Colonias, and Persistent Poverty Counties) as well as Census tracts which are identified as rural for Duty to Serve purposes. FHFA created this interactive map to help users visualize both rural tracts and high-needs counties under the Duty to Serve program.
2018-2020 Duty to Serve High-Needs Counties with Rural Tracts Map
Access the instructions on how to use the map here.
On December 19, 2018, the Federal Housing Finance Agency published Fannie Mae and Freddie Mac's (the Enterprises) modified Underserved Markets Plans for 2018-2020 under the Duty to Serve program. To help simplify what is in the modified Plans and help stakeholders find the most relevant parts of each Plan, we have created 11 Snapshots that further break down the three main markets so interested parties could quickly find a topic or opportunity of interest. We hope that these updated 11 DTS Snapshots, will be a helpful guide for stakeholders.
If you would like to see what the Enterprises modified in their Plans, please see respective pages provided here:
Fannie Mae's Modified Plan, Justifications and Snapshots
Freddie Mac's Modified Plan, Justification and Snapshots
Jim Gray, Manager of the Duty to Serve program, gives an overview of the program.
Matt DouglasDuty to Serve Assistant Program Manager
Jim GrayDuty to Serve Program Manager
Arun BarmanDuty to Serve Senior Economist
Rebecca CohenDuty to Serve Senior Policy Analyst
Geenae R. Rivera SotoDuty to Serve Policy Analyst
Duty to Serve Senior Policy Analyst
Tanya WintersDuty to Serve Senior Policy AnalystMeet the Experts
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