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...
FHFA Examination Manual (the Manual) comprises an overview of the examination process and 25 modules that provide examination instructions and work programs organized by risk category or line of business or activity.
FHFA will update the Manual from time to time to reflect evolving examination practices, supervisory expectations, and regulated entity operations, as well as changes in regulatory requirements.
Supplemental examination guidance focuses on specific business lines, products, or discrete topics which may apply to Fannie Mae and Freddie Mac, the Federal Home Loan Banks, or the Office of Finance. Supplemental guidance modules complement the modules in the
FHFA Examination Manual.
FHFA's examiners use a uniform rating system for Fannie Mae and Freddie Mac and the Federal Home Loan Banks.
The examiners employ a risk-focused rating system under which each regulated entity and the Office of Finance is assigned a common composite rating based on an evaluation of various aspects of its operations.
FHFA expects that regulated entities will produce all FHFA requested information and data notwithstanding privileges or other protections the regulated entity attaches to the information and data. Production to FHFA is compulsory and enforceable with administrative sanctions.Policy Statement
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