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FHLBank System at 100: Focusing on the Future​​​


FHFA released the FHLBank System at 100: Focusing on the Future Report in November 2023. ​

​Background on the Review

​The Federal Home Loan Bank (FHLBank​) System has been a critical source of liquidity for its members for the past 90 years, especially during times of market stress, such as the Great Recession and the outset of the COVID-19 pandemic. The FHLBanks also support low-income housing and community development directly by offering a variety of programs to their members, including the Affordable Housing Program, the Community Investment Program, and the Community Investment Cash Advance Program.

As the FHLBanks approach their centennial, the Federal Housing Finance Agency conducted a comprehensive review to ensure they remain positioned to meet the needs of today and tomorrow. As part of the review process, FHFA hosted two public listening sessions and a series of regional roundtable discussions to consider and evaluate the mission, membership eligibility requirements, and operational efficiencies of the FHLBanks. FHFA invited input from stakeholders on the FHLBanks’ role or potential role in addressing housing finance, community and economic development, affordability, and other related issues.

FHFA is specifically interested in receiving feedback in six key areas:

FHL Banks
  1. The FHLBanks’ general mission and purpose in a changing marketplace;
  2. FHLBank organization, operational efficiency, and effectiveness;
  3. FHLBanks’ role in promoting affordable, sustainable, equitable, and resilient housing and community investment;
  4. Addressing the unique needs of rural and financially vulnerable communities;
  5. Member products, services, and collateral requirements; and
  6. Membership eligibility and requirements.

Written Comments

FHFA accepted written comments during two periods, in the fall of 2022 and spring of 2023. All comments received are now published on FHFA’s website.

Visit the Request for Input submissions page and select “FHLBank System at 100: Focusing on the Future” from the dropdown menu at the top of the page to view submissions from the fall of 2022. Select “FHLBank System at 100: Focusing on the Future (2023)” to view submissions from the spring of 2023.

Listening Session

Kick-Off Listening Session

FHFA kicked off its review with a listening session on September 29, 2022, September 30, 2022, and October 4, 2022. Click here to view the kickoff listening session agenda, videos, transcripts, and presentations.

Wrap-up Listening Session

FHFA held a wrap-up listening session on March 22-24, 2023. Click here to view the wrap-up listening session agenda, videos, transcripts, and presentations.

Regional Roundtables

Between November 2022 and March 2023, FHFA convened 19 regional roundtables with more than 120 participants, covering a variety of topics. Visit the Regional Roundtables page to access recordings and transcripts for all of the roundtables. Click here to view discussion questions for all regional roundtables.

More About the FHLBank System

To learn more about the FHLBank System and FHFA’s regulatory responsibilities, please visit Federal Home Loan Banks.


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​Page last updated: April 3, 2024