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 2019 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.
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.
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...
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 three underserved markets: Manufactured Housing, Affordable Housing Preservation, and Rural Housing. Learn more about the underserved markets.The Enterprises’ Underserved Markets Plans describe specific activities each Enterprise will undertake to fulfill their Duty to Serve obligations in each market.
Use the drop-down menus to provide general input on the Duty to Serve program or to view previously-submitted comments.
Learn more about how the program works.
Meghan AinesDuty to Serve Intern
Arun BarmanDuty to Serve Senior Economist
Lauren BoydDuty to Serve Policy Analyst
In response to the disruption and uncertainty caused by the COVID-19 pandemic,
FHFA instructed Fannie Mae and Freddie Mac to structure their 2021 DTS activities as a one-year extension of their 2018-2020 Plans.
Access datasets and interactive maps for DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty.
Below is our Single-Family Dashboard for 2019. This interactive map 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.
Duty to Serve 2019 Single-Family Dashboard
Modified Underserved Markets Plans
Annual Reports and Ratings 2018
Annual Reports and Ratings 2019
Annual Housing Reports
Archived DTS Materials
Rebecca CohenDuty to Serve Senior Policy Analyst
Toi RobertsDuty to Serve Program Analyst
Meet the Experts
Submit your questions to us via email.
© 2020 Federal Housing Finance Agency