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.
Implement critical reforms that will produce a stronger and more resilient housing finance system.
FOSTER competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets that support sustainable homeownership and affordable rental housing; OPERATE in a safe and sound manner appropriate for entities in conservatorship; and PREPARE for eventual exits from the conservatorships.
2020 Scorecard
2019 Conservatorships Strategic Plan
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.
Source: FHFA
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...
Glossaries
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.
The Markets
Jim Gray, Manager of the Duty to Serve program, gives an overview of the program.
On March 11, 2020 FHFA published the final Evaluation Guidance for the 2021-2023 Plan cycle. FHFA’s Evaluation Guidance communicates FHFA’s expectations regarding the process for developing Fannie Mae’s and Freddie Mac’s (Enterprises) Underserved Markets Plans and the standard for FHFA to issue a “Non-Objection” to the proposed Plans. The Evaluation Guidance sets forth the process and standards by which FHFA will evaluate, and report annually to Congress on the Enterprises’ performance and achievements under their Plans. The updated guidance will ensure that the Enterprises DTS programs have a real and significant impact in underserved communities.
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 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.
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
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