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Publication Details
Type
Proposed Rulemaking
Document Number
2025-19428
Federal Register Publish Date
10/02/2025
Federal Register Citation
Comment Open Date
10/02/2025
Comment End Date
11/03/2025
Comment Status
Closed
Related Documents:
2026-2028 Enterprise Housing Goals Proposed Rule Regulatory Impact Analysis
Rulemaking Details
Rulemaking

2026-2028 Enterprise Housing Goals

Date
10/02/2025
Number
RIN-2590-AB59
Group
Fannie Mae
Federal Home Loan Banks
Freddie Mac
CFR
12 CFR Parts 1209, 1281, 1282
CFR Description
12 CFR Part 1209—Rules of Practice and Procedure; 12 CFR Part 1281—Federal Home Loan Bank Housing Goals; 12 CFR Part 1282 - Enterprise Housing Goals and Mission

2026-2028 Enterprise Housing Goals Proposed Rule

Contact Information

FOR FURTHER INFORMATION CONTACT:  For general questions, please contact MediaInquiries@FHFA.gov. For technical questions, please contact Leda Bloomfield, Senior Associate Director, Office of Affordable Housing and Community Investment, Division of Housing Mission and Goals, 202-649-3415, Leda.Bloomfield@fhfa.gov; Siobhan Kelly, Senior Associate Director, Office of Multifamily Analytics and Policy, Division of Housing Mission and Goals, 202-649-3142, Siobhan.Kelly@fhfa.gov; or Elena Hoffman, Honors Counsel, Office of General Counsel, 202-649-3511, Elena.Hoffman@fhfa.gov. These are not toll-free numbers. The mailing address is: Federal Housing Finance Agency, 400 Seventh Street, SW, Washington, DC 20219. For TTY/TRS users with hearing and speech disabilities, dial 711 and ask to be connected to any of the contact numbers above.

Summary

SUMMARY:  The Federal Housing Finance Agency (FHFA) is issuing a proposed rule and requesting comments on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2026 through 2028 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The proposed rule establishes benchmark levels for the housing goals for 2026 through 2028. The proposed rule replaces the two area-based subgoals with one low-income areas subgoal, simplifies the goal determination process, clarifies inflation adjustments to maximum civil money penalties related to housing goals, and makes other technical changes. 

Public Comments people-icon

Below are a compilation of public comments made on this publication.

19 items
file download iconCSV
Date First Name Last Name Organization Comment
11/04/25 Mitria Spotser Center for Responsible Lending
Please see the attached comment filed on behalf of the Center for Resp…
Email: mitria.spotser@responsiblelending.org
Attachment: View Attachment
11/03/25 Megan Cheney Underserved Mortgage Markets Coalition
Please see the attached comment from members of the Underserved Mortga…
Email: mcheney@naahl.org
Attachment: View Attachment
11/03/25 Marisa Calderon Prosperity Now
Please see attached comment letter.
Email: N/A
Attachment: View Attachment
11/03/25 Welton Pride National Urban League
To Whom it May Concern: On behalf of the National Urban League, thank…
Email: wpride@nul.org
Attachment: View Attachment
11/03/25 Ken Fears National Association of REALTORS
On behalf of the members of the National Association of REALTORS® (NAR…
Email: kfears@nar.realtor
Attachment: View Attachment
11/03/25 Lesli Gooch Manufactured Housing Institute
Please see attached for the comment letter by the Manufactured Housing…
Email: N/A
Attachment: View Attachment
11/03/25 Sharon Cornelissen Joint organizational letter (28 organizations)
See attached letter, co-signed by 15 national housing, consumer, and C…
Email: scornelissen@consumerfed.org
Attachment: View Attachment
11/03/25 Christina Brown USMI
Please see attached comment letter.
Email: N/A
Attachment: View Attachment
11/03/25 Tyler Maron America's Credit Unions
Please see attached comment letter.
Email: tmaron@americascreditunions.org
Attachment: View Attachment
11/03/25 Monica Barros Ceres
See attached comment letter.
Email: mbarros@ceres.org
Attachment: View Attachment
11/03/25 Sasha Hewlett Mortgage Bankers Association
Please find comments attached.
Email: shewlett@mba.org
Attachment: View Attachment
11/03/25 Greg Zagorski National Council of State Housing Agencies
Please see attached comment letter.
Email: gzagorski@ncsha.org
Attachment: View Attachment
11/03/25 David Borsos National Multifamily Housing Council
Attached, please find our comments from the National Multifamily Housi…
Email: dborsos@nmhc.org
Attachment: View Attachment
11/03/25 Ed DeMarco Housing Policy Council
Please see attached comment letter.
Email: N/A
Attachment: View Attachment
10/31/25 Jesse Van Tol National Community Reinvestment Coalition (NCRC)
See attached comment.
Email: N/A
Attachment: View Attachment
10/10/25 Erik Eikenmeyer N/A
Where I see weakness in the proposed change in benchmark changes to ho…
Email: erikeikenmeyer@arizona.edu
Attachment: N/A
10/10/25 Edwin Resendiz N/A
As an observer of the U.S. housing market, I am writing to comment on…
Email: N/A
Attachment: N/A
10/08/25 Max Thrash N/A
See attached comment.
Email: maxdtaviation@gmail.com
Attachment: View Attachment
10/07/25 Jacqueline Roman Suny Buffalo
I appreciate the opportunity to comment on the Federal Housing Finance…
Email: jmroman007@gmail.com
Attachment: N/A