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 2015 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 2016 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.
HARP - the Home Affordable Refinance Program was created by FHFA specifically to help homeowners current on their mortgage payments, but underwater on their mortgages.
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector.
Meet the experts...
Key Topics pages provide information about FHFA's work on a range of issues facing the nation and highlight the most relevant related news releases, reports, statements and web pages on the respective topics.
The Honorable Melvin L. Watt of Charlotte, NC sworn in on January 6th to a 5-year term as the first Senate-confirmed Director of FHFA.
Read more about Director Watt
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:
FHFA has issued a final rule that takes into consideration underserved markets needs and safety and soundness.
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)
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)
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)
Submit your questions to us via
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 InputView Evaluation Guidance Input
View Chattel Pilot InputView General Input
Fannie MaeFreddie MacFannie Mae StatementFreddie Mac Statement
Matt DouglasDuty to Serve Assistant Program ManagerJim Gray
Duty to Serve Program ManagerShannon MaloneyDuty to Serve Program AnalystMary OwensDuty to Serve Affordable Multifamily SpecialistShiv RawalDuty to Serve Affordable Rural SpecialistGeenae R. Rivera Soto Duty to Serve Affordable Single-Family Specialist
Meet the Experts
© 2017 Federal Housing Finance Agency