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Duty to Serve Program


Federal law requires the Federal Housing Finance Agency (FHFA) to issue a regulation to implement the Duty to Serve requirements specified in the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008.  The statute requires Fannie Mae and Freddie Mac (the Enterprises) to provide leadership to facilitate a secondary market for mortgages on housing for very low-, low-, and moderate-income families in three underserved markets specified in the statute:

  • Manufactured housing
  • Affordable housing preservation
  • Rural housing

FHFA has issued a final rule that takes into consideration underserved markets needs and safety and soundness.


Timeline »

Click to view the Duty to Serve Program timeline.


Data and Tools

The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 establishes a duty for Fannie Mae and Freddie Mac to serve very low-, low-, and moderate-income families in rural areas.  Census tracts that are considered rural areas or non-rural areas for Duty to Serve purposes are available through the link below. 

Link to Duty to Serve Rural Areas Data



Duty to Serve Overview Video (2-22-2017) 
Potential Manufactured Home Chattel Loans Pilots(1-18-2017)
Final Rule (12-29-2016)
Duty to Serve Program Fact Sheet (12-13-2016)
Proposed Rule (12-18-2015)
Proposed Rule Fact Sheet (12-15-2015)


Event Materials

Listening Session Overview Slides (2-9-2017)
Listening Session Transcript – Webinar (2-9-2017)
Listening Session Transcript – FHFA Headquarters (2-8-2017)
Listening Session Transcript – Federal Reserve Bank of San Francisco (2-1-2017)
Listening Session Transcript – Federal Reserve Bank of Chicago (1-25-2017)
Stakeholder Webinar Recording (12-19-2016)
Stakeholder Webinar Transcript (12-19-2016)
Stakeholder Webinar Slides (12-19-2016) 


News Releases

Public Input on Potential Chattel Loan Pilot (2-8-2017)
Public Input on Duty to Serve Program (1-18-2017)
Final Rule (12-13-2016)
Proposed Rule (12-15-2015)


Contact Us

Submit your questions to us via email.

Provide General Input  

Potential Evaluation Guidance     

FHFA has published Proposed Evaluation Guidance for public input.  The purpose of the Evaluation Guidance is two-fold:  to communicate FHFA's expectations regarding the development of the Underserved Markets Plans and to describe the process by which FHFA will evaluate the Enterprises' achievements under their Plans each year.

The public will have until May 2017 to provide input on the Proposed Evaluation Guidance.

Provide Evaluation Guidance Input
View Evaluation Guidance Input

About Us

Matt Douglas
Duty to Serve Assistant Program Manager

Jim Gray
Duty to Serve Program Manager

Shannon Maloney
Duty to Serve Program Analyst

Mary Owens
Duty to Serve Affordable Multifamily Specialist

Shiv Rawal
Duty to Serve Affordable Rural Specialist

Geenae R. Rivera Soto
Duty to Serve Affordable Single-Family Specialist

Meet the Experts

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