FHFA
Federal agency responsible for regulations under FHFA.
7 regulationsFair Lending, Fair Housing, and Equitable Housing Finance Plans
This regulation requires the Federal Housing Finance Agency to enforce fair lending and housing practices to ensure that people of all backgrounds have equal access to mortgage loans and housing opportunities. It aims to prevent discrimination and promote equity in the housing finance system, which affects millions of Americans trying to buy or refinance homes.
2026-2028 Enterprise Housing Goals
This regulation sets housing targets for Fannie Mae and Freddie Mac, the government-sponsored companies that buy and manage most home mortgages in America, for the years 2026-2028. The targets aim to ensure these companies help make housing more affordable and accessible for low-income families, minorities, and underserved communities.
Enterprise Liquidity Requirements; Federal Home Loan Bank System Boards of Directors and Executive Management; Federal Home Loan Bank Unsecured Credit Limits; Withdrawal
This proposed regulation updates financial safety rules for the Federal Home Loan Bank System, which lends money to banks and credit unions that provide mortgages. The changes aim to ensure these banks maintain enough liquid cash on hand to handle emergencies and operate smoothly.
2026-2028 Enterprise Housing Goals
The Federal Housing Finance Agency is proposing new targets for 2026-2028 that require Fannie Mae and Freddie Mac (the government-backed mortgage companies) to help more affordable housing get built and maintained. These goals aim to expand homeownership and rental opportunities for low- and moderate-income families across the country.
Fair Lending, Fair Housing, and Equitable Housing Finance Plans
The Federal Housing Finance Agency is proposing new rules to ensure fair lending practices and equal access to housing finance across all communities. The regulation aims to prevent discrimination in mortgage lending and promote equitable housing opportunities for all borrowers regardless of race, ethnicity, or neighborhood.
Order: Reporting by Regulated Entities of Stress Testing Results as of December 31, 2024; Summary Instructions and Guidance
This regulation requires large mortgage lenders and housing finance companies to test their financial strength under stressful economic conditions and report their results to federal regulators. These tests help ensure that major players in the housing finance system can survive economic downturns without collapsing, protecting both homeowners and taxpayers.
Rules of Practice and Procedure: Civil Monetary Penalty Inflation Adjustment
The Federal Housing Finance Agency (FHFA) is updating the financial penalties it can impose on companies that violate housing finance rules, adjusting them upward to account for inflation since the last update. This ensures that penalties remain meaningful deterrents for violations involving mortgages, lending practices, and other housing finance activities.