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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 Duty to Serve Program will award duty to serve credit for very low-, low-, and moderate income families tied to specific high needs and high opportunity areas as defined by the Duty to Serve regulation. These areas include:

  • Rural-urban community areas
  • Indian tribe areas
  • High opportunity areas.

The Duty to Serve regulation has specific definitions for each of the high need and high opportunity areas identified in the regulation. The Duty to Serve definition for "rural areas" is based on Rural-Urban Community Area, or RUCA, codes. The Duty to Serve regulation also identifies members of a Federally recognized Indian tribe living in Indian areas as a high-needs rural population that Fannie Mae and Freddie Mac may serve in rural areas. High opportunity areas for purposes of Duty to Serve, include areas designated by Housing and Urban Development (HUD) as a "Difficult Development Area" (DDA). DDA census tracts must also meet the maximum poverty rate thresholds established by FHFA.

Click the link below to access datasets on rural areas,Indian areas, and high opportunity areas.  

Link to Duty to Serve Data


Duty to Serve Overview Video (2-22-2017) 
Potential Manufactured Home Chattel Loans Pilots(1-18-2017)
Proposed Evaluation Guidance (1-13-2017)
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) 


Request for Public Input

Proposed Underserved Markets Plans

Below are links to Fannie Mae's and Freddie Mac's (the Enterprises) proposed Underserved Markets Plans (Plans) for public input.  The proposed Plans describe specific activities and objectives each Enterprise proposes to undertake from 2018-2020 to fulfill its Duty to Serve obligations in each underserved market - manufactured housing, affordable housing preservation, and rural markets. The final Plans must receive a non-objection letter from FHFA. The activities and objectives in the Plans may be subject to change based on factors including public input, FHFA comments, compliance with the Enterprises' Charter Acts, safety and soundness considerations, and market or economic conditions. 

The views of interested stakeholders are sought on whether the proposed Plans would effectively serve the underserved markets if carried out as proposed, or if there are modifications that  each Enterprise should consider making to its proposed Plan to better serve these underserved markets. Stakeholders providing public input should bear in mind that the Plans must be accomplished within the confines of the safety and soundness and the goals and policies of the Enterprises' conservatorships.  

The public input period on the Enterprises' proposed Plans will end on July 10, 2017. 

Fannie Mae Proposed Underserved Markets Plan
Freddie Mac Proposed Underserved Markets Plan

Submit / View Public 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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