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About the Office of Financial Technology

Introduction: Fint​ech in Housing Finance and FHFA​​

FHFA’s Office of Financial Technology (Fintech) supports the Agency’s efforts to understand technology-driven developments in housing finance and the associated risks, and to facilitate the development of re​sponsible innovation in FHFA’s regulated entities, which include Fannie Mae and Freddie Mac (the Enterprises) and the Federal Home Loan Bank System. The Fintech Office serves as a centralized information clearinghouse and resource for the Agency on mortgage-related innovations, general trends, and emerging risks in the use of fintech.

FHFA views fintech as the application of new technologies to the production or provision of fina​ncial products and services. Fintech in the mortgage finance space can include, among other things, the application of new technologies and digital processes to:

​mortgage tec​h​​

mortgage origination, underwriting, servicing, investment, and other associated business activities, also known as “mortgage tech”;


researching, transacting, and managing real estate, also known as “proptech”; and


​regulation and compliance, also known as “regtech”.

The Office of Financial Technology incorporates the principle of “responsible innovation” into its activities, balancing the value of new ideas, products, and operational approaches with the need for effective risk management and governance. The Fintech Office engages internally through the FHFA Fintech Working Group, consisting of Agency leadership and experts across divisions and offices. The Fintech Office engages in external outreach with market participants, including industry firms, non-profits, trade associations, consumer advocacy organizations and academia to support responsible innovation in mortgage finance and an ongoing dialogue on opportunities and barriers to innovation in the mortgage ecosystem.

​​FHFA’s Inaugural Housing Finance TechSprint

Velocity TechSprintIn July 2023, FHFA held its first-ever TechSprint, a team-based problem-solving event. Named “Velocity,” the TechSprint brought together experts and practitioners from the technology and the mortgage finance sectors to solve a common challenge: How might data digitization drive transparency and increase access, fairness, affordability, and sustainability in mortgage lending?

Learn more at the TechSprint Velocity webpage.

​​Public Listening Session

On Thursday, October 6, 2022, FHFA’s Fintech Office hosted a virtual public listening session to solicit public input on the role of technology in housing finance and how the Agency can most constructively interact with other stakeholders to facilitate responsible innovation. Video and materials from the listening session are available through the links below.

Listening Session Agenda Listening Session Video Listening Session Transcript

Request for Information

In July 2022, and in conjunction with the establishment of the Fintech Office, FHFA solicited public input on the role of technology in housing finance, broadly seeking to understand the current landscape of potential innovations throughout the mortgage lifecycle and related processes, risks, and opportunities. FHFA also sought input on how the Agency could most constructively interact with other stakeholders to facilitate responsible innovation, including the identification of any barriers to or challenges in implementing fintech in the housing finance ecosystem, while also focusing on supporting equity in housing finance for both homeowners and renters.

​​RFI: Fintech in Housing Finance (closed 10/31/2022)

View Input Provided here​ - select  “2022 Fintech in Housing Finance RFI" in dropdown menu

View Summary Responses to the Request for Information on Fintech in Housing Finance 


FHFA Velocity TechSprint webpage

Videos from FHFA Velocity TechSprint

New! Summary of Key Themes from FHFA’s Velocity TechSprint (12/22/2023)

Blog Post from FHFA Deputy Director Jason Cave on the FHFA Velocity TechSprint (10/20/2023)​

FHFA Announces Inaugural Housing Finance TechSprint​ (4/4/2023)

FHFA Extends Deadline to October 31 on RFI on Fintech in Housing Finance​ (10/14/2022)

Press Release: FHFA Announces Office of Financial Technology (7/18/2022)

Meet the Team

Anne Marie Pippin
​Deputy Director
Division of Conservatorship Oversight and Readiness (DCOR)
Tracy Step​han
Supervisory Financial Technology and Innovation Specialist, DCOR
Office of Governance and Strategic Initiatives
Office of Financial Technology
Lawrence Mak
Senior Strategic Analyst, DCOR
Office of Governance and Strategic Initiatives
Office of Financial Technology
Leah Price
Financial Technology and Innovation Specialist, DCOR
Office of Governance and Strategic Initiatives
Office of Financial Technology

Connect with Us

To ask questions or request a meeting with the FHFA Office of Financial Technology, please email us at the address below:


E​mail: Fintech@fhfa.gov

​​Page last updated: January 30​, 2024​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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