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Fair Lending, Fair Housing, and Equitable Housing Finance Plans Final Rule

Publication Details
Final Rule
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Federal Register Publish Date
Effective Date
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Rulemaking Details

Fair Lending, Fair Housing, and Equitable Housing Finance Plans Final Rule

Contact Information

FOR FURTHER INFORMATION CONTACT:  Renita Roberts, Policy Analyst, Office of Fair Lending Oversight, (202) 809-2610,, Federal Housing Finance Agency, Constitution Center, 400 7th Street SW, Washington, DC 20219; or Lindsey Cope, Attorney Advisor, Office of Fair Lending Oversight, (202) 875-4047,  These are not toll-free numbers.  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 the Agency) is issuing this final rule that addresses barriers to sustainable housing opportunities for underserved communities by codifying existing FHFA practices in regulation and adding new requirements related to fair lending, fair housing, unfair or deceptive acts or practices, and Equitable Housing Finance Plans.  The final rule furthers FHFA's fulfillment of its statutory purposes and its oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Banks (Banks) (Fannie Mae and Freddie Mac collectively, the Enterprises; the Enterprises and the Banks collectively, the regulated entities), and their fulfillment of their statutory purposes.

DATES:  The final rule will become effective on July 15, 2024, except for subpart D to part 1293 (amendatory instruction 2), which will become effective on February 15, 2026.​