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    ​​​​​​​​Duty to Serve​ Program

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On April 12, 2023, FHFA published a final rule to amend the Enterprise Duty to Serve Un​derserved Markets regulation. The final rule allows Fannie Mae and Freddie Mac's (together , the Enterprises) activities in all colonia census tracts to be eligible for Duty to Serve credit. Learn more about the amended final rule

​If you have any questions or concerns, please send an email to DutyToServeStakeholders@FHFA.gov.

​What's New?​

2021 Annual Reports

​Final Rule - Colonias Census Tract Amendments

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2023​ Duty to Serve Markets Public Listening Sessions

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currentproposedplans (1).png2022-2024 Underserved Market Plans

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currentevaluationguidance.png2022 Enterprise
Annual Reports 

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Questions and Answers Questions and Answers

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Final Rule​​

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annualreport.png Enterprise Annual Reports

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currentevaluationguidance.pngEvaluation Guidance 

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finalrule.png Annual Housing Report​​

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Annual Report to Congress

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Data and Tools​​​

2021-DTS-Single-Family-Dashboard.png 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.

2021 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.

2018-2021 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.

​We Want to Hear From You

Use the drop-down menus to submit comments on 2022 proposed modifications or provide general input on the Duty to Serve program, or to view previously submitted comments.

Explore Duty to Serve



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.

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​Meet the Team

Arun Barman
Duty to Serve Senior Economist
Marcea Barringer
Duty to Serve Supervisory Policy Analyst
Lauren Boyd
Duty to Serve Policy Analyst

Rebecca Cohen
Duty to Serve Senior Policy Analyst
Mike Price
Duty to Serve Senior Policy Analyst
Toi Roberts
Duty to Serve Program Analyst
Joshua Sagartz
Duty to Serve Policy Analyst

​   Meet the Exper​ts​

​Contact the Duty to Serve Team

Questions on Duty to Serve? Email us and we'll get back to you soon.

Page Updated: May 31​​​, ​2023​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

© 2023 Federal Housing Finance Agency