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 2022 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.
As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
Operate the business in a safe and sound manner.
Promote sustainable and equitable access to affordable housing.
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...
FHLBank System at 100: Focusing on the Future Report
Report Fact Sheet
Kick-Off Listening Session
Wrap-Up Listening Session
3/17/2023: Hawaii & American Samoa
3/17/2023: Guam & Northern Mariana Islands
3/13/2023: Boston, MA
3/8/2023: San Juan, PR
3/6/2023: Wilmington, NC
3/3/2023: Washington, DC
3/1/2023: Detroit, MI
2/27/2023: Athens, OH
2/17/2023: Boise, ID
2/15/2023: Los Angeles, CA
2/13/2023: Las Vegas, NV
12/15/2022: Philadelphia, PA
12/12/2022: Baltimore, MD
12/8/2022: Washington, DC
12/1/2022: Oklahoma City, OK
11/21/2022: Indianola, MS
11/17/2022: Chicago, IL
11/2/2022: Washington, DC
All Regional Roundtables
FHFA released the
FHLBank System at 100: Focusing on the Future Report in November 2023.
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 conducted a comprehensive review to ensure they remain positioned to meet the needs of today and tomorrow. As part of the review process, FHFA hosted two public listening sessions and a series of regional roundtable discussions to consider and evaluate the mission, membership eligibility requirements, and operational efficiencies of the FHLBanks. FHFA invited input from stakeholders on the FHLBanks’ role or potential role in addressing housing finance, community and economic development, affordability, and other related issues.
FHFA specifically asked for feedback in six key areas:
FHFA accepted written comments during two periods, in the fall of 2022 and spring of 2023. All comments received are now published on FHFA’s website.
Request for Input submissions page and select “FHLBank System at 100: Focusing on the Future” from the dropdown menu at the top of the page to view submissions from the fall of 2022. Select “FHLBank System at 100: Focusing on the Future (2023)” to view submissions from the spring of 2023.
Kick-Off Listening Session
FHFA kicked off its review with a listening session on September 29, 2022, September 30, 2022, and October 4, 2022.
Click here to view the kickoff listening session agenda, videos, transcripts, and presentations.
Wrap-up Listening Session
FHFA held a wrap-up listening session on March 22-24, 2023.
Click here to view the wrap-up listening session agenda, videos, transcripts, and presentations.
Between November 2022 and March 2023, FHFA convened 19 regional roundtables with more than 120 participants, covering a variety of topics. Visit the
Regional Roundtables page to access recordings and transcripts for all of the roundtables.
Click here to view discussion questions for all regional roundtables.
FHFA Releases Report on FHLBank System at 100 (11/3/2023)
FHFA Announces 2023 Roundtable Discussions and Wrap-Up Listening Session for its FHLBank System at 100: Focusing on the Future Initiative (2/27/2023)
OpEd by Joshua Stallings in American Banker:
“What comes next for the Federal Home Loan Bank System?”published February 8, 2023
FHFA Announces Comprehensive Review of the Federal Home Loan Bank System (8/31/2022)
To learn more about the FHLBank System and FHFA’s regulatory responsibilities, please visit
Federal Home Loan Banks.
Email: FHLBankSystem100@fhfa.gov. This is an actively managed email address.
Page last updated: November 7, 2023
© 2023 Federal Housing Finance Agency