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  • FHLBank System at 100
  • ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​A ​Comprehen​​sive Review of the FHLBank System​​​

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FHLBank System at 100: Focusing on the Future

The Federal Home Loan Bank (FHLBank) System has been a critical source of liquidity for its members for the past 90 years, especially during times of market stress, such as the Great Recession and the outset of the COVID-19 pandemic. The FHLBanks also support low-income housing and community development directly by offering a variety of programs to their members, including the Affordable Housing Program, the Community Investment Program, and the Community Investment Cash Advance Program.

As the FHLBanks approach their centennial, the Federal Housing Finance Agency will conduct a comprehensive review to ensure they remain positioned to meet the needs of today and tomorrow. As part of the review process, FHFA will host two public listening sessions and a series of regional roundtable discussions to consi​der and evaluate the mission, membership eligibility requirements, and operational efficiencies of the FHLBanks. FHFA will hear from stakeholders on the FHLBanks’ role or potential role in addressing housing finance, community and economic development, affordability, and other related issues.

FHFA is specifically interested in receiving feedback in six key areas:

  1. The FHLBanks’ general mission and purpose in a changing marketplace;
  2. FHLBank organization, operational efficiency, and effectiveness;
  3. FHLBanks’ role in promoting affordable, sustainable, equitable, and resilient housing and community investment;
  4. Addressing the unique needs of rural and financially vulnerable communities;
  5. Member products, services, and collateral requirements; and
  6. Membership eligibility and requirements.

Listening Sessions

FHFA is kicking off its review with a three-day listening session on September 29, 2022, September 30, 2022, and October 4, 2022 from 12:30 – 4:00 PM. Speaking slots are fully subscribed on all days. Register here to attend or to be added to the waitlist for a speaking slot. We will hold a spot for you at a future Listening Session to be held later this year or early next year.  Listening sessions agenda is now available.

Written Comments

FHFA is also accepting written comments through October 21, 2022, via FHFA’s website or mailed to: Federal Housing Finance Agency, 400 7th Street, SW, Washington, DC 20024.

FHFA Statements and Remarks

Recent News Release

More about the FHLBank System

To learn more about the FHLBank System and FHFA’s regulatory responsibilities, please visit Federal Home Loan Banks.

Email: FHLBankSystem100@fhfa.gov 

​Page last updated: September 22​, 2022​​​

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