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 2022 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.
As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
Operate the business in a safe and sound manner.
Promote sustainable and equitable access to affordable housing.
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...
On February 9, 2024 FHFA issued Non-Objections to the Enterprises’ modifications to their 2022-2024 Underserved Markets Plans. Under the Duty to Serve regulation and FHFA's Evaluation Guidance, an Enterprise may propose to modify its Plan at any point if future events affect its ability to achieve the Plan's original objectives. The activities proposed by the Enterprises are subject to FHFA review and approval to ensure compliance with the Enterprises' Charter Acts, safety and soundness, and other conservatorship and regulatory requirements. Learn more about the modified Underserved Market Plans.
If you have any questions or concerns, please send an email to
2022-2024 Underserved Market Plans
2023 Duty to Serve Public Listening Sessions
Final Rule - Colonias Census Tract Amendments
2022 Enterprise Annual Reports
Questions and Answers
Enterprise Annual Reports
Annual Housing Report
Annual Report to Congress
Access datasets and interactive maps on the
DTS Eligibility Data Page for DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty. Also, access information and dashboards on the
DTS Performance Data Page.
2022 DTS Single-Family Dashboard
The Single-Family Dashboard is an interactive map that 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.
2018-2022 DTS Multifamily Dashboard
The Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets.
Use the drop-down menus to submit comments on specific Duty to Serve requests for public comments, or to provide general input on the Duty to Serve program. You can also 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
Questions and Answers
Annual Duty to Serve Snapshots
Duty to Serve Overview Materials
Requests for Input on Proposed Plan Modifications
Questions on Duty to Serve? Email us and we'll get back to you soon.
Page Updated: February 9, 2024
© 2024 Federal Housing Finance Agency