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 2018 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.
Implement critical reforms that will produce a stronger and more resilient housing finance system.
FOSTER competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets that support sustainable homeownership and affordable rental housing; OPERATE in a safe and sound manner appropriate for entities in conservatorship; and PREPARE for eventual exits from the conservatorships.
2019 Conservatorships Strategic Plan
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...
Language Translation Disclosure
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.
A Uniform Rating System - CAMELSOFHFA'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.
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