Enterprise Duty to Serve Underserved Markets Amendments

Published Date

06/24/2026

Number

RIN-2590-AB64

Group

Fannie Mae

Federal Home Loan Banks

Freddie Mac

CFR

12 CFR Parts 1282 and 1283

CFR Description

12 CFR Part 1282 - Enterprise Housing Goals and Mission
12 CFR Part 1283 - Enterprise Duty to Serve Underserved Markets

Enterprise Duty to Serve Underserved Markets Amendments Proposed Rule

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; Marcea Barringer, Supervisory Policy Analyst, Office of Affordable Housing and Community Investment, Division of Housing Mission and Goals, 202-308-1089, Marcea.Barringer@fhfa.gov, or Dinah Knight, Assistant General Counsel, Office of General Counsel, (202) 748-7801, Dinah.Knight@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: The Federal Housing Finance Agency (FHFA or Agency) proposes to rescind its regulation on Duty to Serve Underserved Markets and replace it with a new rule. If adopted as proposed, the new rule would enable the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, the Enterprises) to better serve the needs of very low-, low-, and moderate-income families in the manufactured housing, affordable housing preservation, and rural housing markets through greater innovation and with less administrative burden.

DATES: FHFA will accept written comments on the proposed rule on or before July 24, 2026.

Public Comments

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

58 items

CSV

Date Sort ascending	First Name	Last Name	Organization	Comment
07/24/26	Rachel	Fee	New York Housing Conference	Please find comment from the New York Housing Conference attached. Email: rachel.fee@thenyhc.org Attachment: View Attachment
07/24/26	Lesli	Gooch	Manufactured Housing Institute	Please see attached for the comment letter by the Manufactured Housing… Email: mhigov@mfghome.org Attachment: View Attachment
07/24/26	Brad	Elphick	Novogradac NMTC Working Group	Attached are comments from the Novogradac NMTC Working Group on Enterp… Email: Brad.elphick@novoco.com Attachment: View Attachment
07/24/26	David	Sanchez	ROC USA	Attached please find comments from ROC USA. Email: dsanchez@rocusa.org Attachment: View Attachment
07/24/26	Joanna	Donohoe	South Dakota Native Homeownership Coalition	Please see the attached comment letter. Email: joanna@7sistersconsulting.com Attachment: View Attachment
07/24/26	Leslie	Strauss	Housing Assistance Council	This comment is submitted by the Housing Assistance Council. Email: leslie@ruralhome.org Attachment: View Attachment
07/24/26	Megan	Cheney	Underserved Mortgage Markets Coalition	Please see UMMC's comment letter attached. Email: mcheney@naahl.org Attachment: View Attachment
07/24/26	Rudy	Soto	National American Indian Housing Association	I sent the wrong file. Please see attached. Email: rsoto@naihc.net Attachment: View Attachment
07/24/26	Allison	Karakis	National Association of Home Builders (NAHB)	Please see attached comments. Email: Akarakis@nahb.org Attachment: View Attachment
07/24/26	Nikitra	Bailey	National Fair Housing Alliance	The National Fair Housing Alliance (NFHA) thank you for the opportunit… Email: nbailey@nationalfairhousing.org Attachment: View Attachment
07/24/26	Diane	Standaert	Hope Policy Institute	Please find attached the comments of Hope Policy Institute. Thank you… Email: N/A Attachment: View Attachment
07/24/26	David	Gonzalez-Rice	National Low Income Housing Coalition	Please see the attached comments submitted on behalf of the National L… Email: dgonzalez_rice@nlihc.org Attachment: View Attachment
07/24/26	Emmerson	McClintock	National Community Stabilization Trust (NCST)	Please see attached for NCST's comment letter. Thank you for you… Email: emcclintock@ncst.org Attachment: View Attachment
07/24/26	Andrew	Langer	Main Street Foundation Center for Regulatory Analysis and Engagement	See attached comment. Email: N/A Attachment: View Attachment
07/24/26	Alexis	Guild	Farmworker Justice	See attached comment. Email: N/A Attachment: View Attachment
07/24/26	Matthew	Emery	National Association of REALTORS®	See attached comment. Email: N/A Attachment: View Attachment
07/24/26	Greg	Zagorski	National Council of State Housing Agencies	Attached please find the National Council of State Housing Agencies… Email: gzagorski@ncsha.org Attachment: View Attachment
07/24/26	Joshua	Yurek	Midwest Housing Equity Group (MHEG)	Please see our attached comment letter. Thanks! Email: jyurek@mheginc.com Attachment: View Attachment
07/24/26	Joshua	Ghena	Cinnaire	See attached for Cinnaire's comments. Email: jghena@cinnaire.com Attachment: View Attachment
07/24/26	Catherine	Cawthon	OCCH	Comments/RIN 2590-AB64 Email: ccawthon@occh.org Attachment: View Attachment
07/24/26	Carrington	Booth	Entrance	To the Federal Housing Finance Agency: I am a licensed California real… Email: cb@entrance.realestate Attachment: View Attachment
07/24/26	Jennifer	Calery	National Association of State & Local Equity Funds	These comments are submitted on behalf of the National Association of… Email: jcalery@naslef.org Attachment: View Attachment
07/24/26	Tyler	Maron	America's Credit Unions	Please see attached comment letter. Thank you for your time. Email: tmaron@americascreditunions.org Attachment: View Attachment
07/24/26	Anonymous	Anonymous	N/A	https://www.federalregister.gov/d/2026-12750/p-197 Annual goal setting… Email: N/A Attachment: N/A
07/24/26	Olivia	Williams	Wisconsin	The Duty to Serve program has an important imperative to serve low-inc… Email: wicltnadmin@maclt.org Attachment: N/A
07/24/26	Tim	Roy	Independent Community Bankers of America	Please see attached comment letter. Email: tim.roy@icba.org Attachment: View Attachment
07/24/26	Brendan	Kihn	U.S. Mortgage Insurers (USMI)	Please see attached for USMI's comment letter on the proposed rul… Email: N/A Attachment: View Attachment
07/24/26	Meg	McCroskey Blum	Director of Communications, Evernorth	Mr. Clinton Jones General Counsel Federal Housing Finance Agency 400 7… Email: mblum@evernorthus.org Attachment: View Attachment
07/24/26	Jose	Villarreal	UMH Properties, Inc.	Dear Director Pulte, I hope this message finds you well. On behalf of… Email: jvillarreal@UMH.com Attachment: View Attachment
07/24/26	Sasha	Hewlett	Mortgage Bankers Association	Please see attached comments. Email: shewlett@mba.org Attachment: View Attachment
07/24/26	Joseph	Pigg	American Bankers Association	Attached, please find comments from the American Bankers Association o… Email: JPigg@aba.com Attachment: View Attachment
07/24/26	Trish	Stover	Freddie Mac	Please see our attached comment letter. Email: trish_stover@freddiemac.com Attachment: View Attachment
07/24/26	Susie	Han	Opportunity Finance Network	Please see attached comment letter Email: N/A Attachment: View Attachment
07/24/26	Kylie	Milliken	Fahe	Please see attached file. Fahe thanks the Agency for the opportunity t… Email: kmilliken@fahe.org Attachment: View Attachment
07/24/26	Mark	Kudlowitz	Local Initiatives Support Corporation	Please see attached file Email: mkudlowitz@lisc.org Attachment: View Attachment
07/24/26	Caroline	Nagy	Americans for Financial Reform Education Fund	See attached. Email: caroline@ourfinancialsecurity.org Attachment: View Attachment
07/24/26	Doug	Ryan	Grounded Solutions Network	See attached. Thank you for the opportunity to provide input. Email: dryan@groundedsolutions.org Attachment: View Attachment
07/24/26	Anonymous	Anonymous	N/A	Please see attached comment from in support of the interim final rule… Email: N/A Attachment: View Attachment
07/24/26	Aaliyah	de Toeni Zhu	Financial Literacy Diaries	Financial Literacy Diaries is pleased to submit commentary. Please see… Email: N/A Attachment: View Attachment
07/23/26	Dana	Boole	CAHEC	Please see attached file for CAHEC's response to the proposed rul… Email: dboole@cahec.com Attachment: View Attachment
07/23/26	Nick	Tsimortos	Council for Affordable and Rural Housing (CARH)	See attached comment. Email: N/A Attachment: View Attachment
07/23/26	Daron	Davis	N/A	See attached comment. Email: N/A Attachment: View Attachment
07/23/26	Todd	Sims	National Electrical Manufacturers Association	The National Electrical Manufacturers Association is pleased to submit… Email: N/A Attachment: View Attachment
07/23/26	David	Borsos	NMHC	NMHC and NAA submit comments to RIN 2590-AB64 in the attached letter Email: dborsos@nmhc.org Attachment: View Attachment
07/23/26	Brandon	Hamara	Fannie Mae	Please see attached comment letter. Email: N/A Attachment: View Attachment
07/23/26	Jesse	Tol	National Community Reinvestment Coalition	See attached comment. Email: N/A Attachment: View Attachment
07/23/26	Laura	Mitchell	Maine Affordable Housing Coalition	July 22, 2026 Comments on Federal Housing Finance Agency’s Proposed Am… Email: info@mainehousingcoalition.org Attachment: View Attachment
07/22/26	Mark	Weiss	Manufactured Housing Association for Regulatory Reform	See attached comment. Email: N/A Attachment: View Attachment
07/22/26	Guilherme	Penz	Penz Innovative Engineering LLC	Re: Enterprise Duty To Serve Underserved Markets — Proposed Rule (RIN… Email: penzengineering@gmail.com Attachment: N/A
07/22/26	Robert	Kazdin	N/A	Please see the attached comment letter regarding the June 24, 2026 pro… Email: N/A Attachment: View Attachment