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...
Rulemaking is the process we use to create regulations. It is designed to ensure the public is informed of proposed rules, has the opportunity to comment on them, and have access to the rulemaking record.
Give us your comment - visit
Open for Comment or Input
Advance Notice of Proposed Rulemaking.
In this optional step, we publish initial analysis of the subject and ask for public comment.
The proposed regulatory language is published in the
Federal Register, including justification and analysis behind the rule as well as our response to any advance public comment.
After publication in the Federal Register, a public comment period begins. Depending on the complexity of the rule, comment periods could be for 30 to 60 days, or even as much as 180 days.
After the comment period, we publish our response to issues raised by public comments and an updated analysis and justification for the rule, including and analysis of any new information from public comments.
In some cases, we may publish a second draft proposed rule. This and any subsequent drafts also appear in the Federal Register.
Once we have analyzed and satisfied public concerns on every draft, the rule can be found by clicking Rules & Notices and is published in the Code of Federal Regulations.
FHFA encourages public and transparent participation in its process for rulemakings conducted in accordance with the Administrative Procedure Act. FHFA's Policy on Communications with Outside Parties in Connection with FHFA Rulemakings provides guidance as to how the public should make written and oral communications, including at meetings, to FHFA during this process.
Key legislation related to FHFA, the regulated entities and our predecessor agencies is detailed under
Key Legislation on
e-CFR is a regularly updated, unofficial editorial compilation of CFR material and Federal Register amendments produced by the National Archives and Records Administration's Office of the Federal Register and the Government Printing Office.
Title 12 - Banks and Banking includes CFR materials for Federal Housing Finance Agency.
Federal Housing Finance Agency - parts
Additionally, CFR materials for our predecessor agencies can be found:
Federal Housing Finance Board - parts
Office of Federal Housing Enterprise Oversight & Department of Housing and Urban Development - parts
© 2023 Federal Housing Finance Agency