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    ​​​​​​​​Duty to Serve​ Program

Duty to Serve Program

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On February 9, 2024 FHFA issued Non-Objections to the Enterprises’ modifications to their 2022-2024 Underserved Markets Plans. Under the Duty to Serve regulation and FHFA's Evaluation Guidance, an Enterprise may propose to modify its Plan at any point if future events affect its ability to achieve the Plan's original objectives. The activities proposed by the Enterprises are subject to FHFA review and approval to ensure compliance with the Enterprises' Charter Acts, safety and soundness, and other conservatorship and regulatory requirements. Learn more about the modified Underserved Market Plans.

​​If you have any questions or concerns, please send an email to DutyToServeStakeholders@FHFA.gov.

​What​'s New?​

Undersreved market plans 2​022-2024 Underserved Market Plans

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DTS Listening Sessions 2023 Duty to Serve Public Listening Sessions

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Final Rule - Colonias Census Tract Amendments Final Rule - Colonias Census Tract Amendments

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2022 Enterprise Annual Reports ​2023 Enterprise Annual Reports

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Questions and Answers Questions and Answers

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DTS Final Rule Final Rule

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Enterprise Annual Reports Enterprise Annual Reports

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Evaluation Guidance

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Annual Housing Report Annual Housing Report​​

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Annual Report to Congress Annual Report to Congress

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Data and Tools​​​

2022-DTS-Single-Family-Dashboard.png Access datasets and interactive maps​ on the DTS Eligibility Data Page for DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty. Also, access information and dashboards on the DTS Performance Data Page.

2022 DTS Single-Family Dashboard​

The Single-Family Dashboard is an interactive map that looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels.

2018-2022 DTS Multifamily Dashboard

The Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets.

​We Want to Hear From You

Use the drop-down menus to submit comments on specific Duty to Serve requests for public comments, or to provide general input on the Duty to Serve program. You can also view previously submitted comments.

Explore Duty to Serve



Want to learn more about how the DTS program works? Learn about the underserved markets, process timeline, plan structure, statutory and regulatory activities, evaluation process, and more.

View Slideshow 




​Meet the Team

Arun Barman
Duty to Serve Senior Economist
Marcea Barringer
Duty to Serve Supervisory Policy Analyst
Lauren Boyd
Duty to Serve Policy Analyst

Rebecca Cohen
Duty to Serve Senior Policy Analyst
Mike Price
Duty to Serve Senior Policy Analyst
Toi Roberts
Duty to Serve Program Analyst
Joshua Sagartz
Duty to Serve Policy Analyst

​   Meet the Exper​ts​

​Contact the Duty to Serve Team

Questions on Duty to Serve? Email us and we'll get back to you soon.

Page Updated: May 1, ​2024​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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