FHFAFinal Rule
2026-2028 Enterprise Housing Goals
HousingFinance & Banking
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Summary
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.
Key Points
- 1Fannie Mae and Freddie Mac must meet specific goals for lending to low-income borrowers, minorities, and people in underserved neighborhoods over the next three years
- 2The regulation affects millions of homebuyers since these two companies back most mortgages in the U.S., potentially making it easier for qualified borrowers in disadvantaged areas to get home loans
- 3Lenders and banks must work harder to reach borrowers who have historically faced barriers to homeownership, including Black and Latino families
- 4If the companies don't meet their targets, they may face penalties or requirements to improve their lending practices
- 5The goals are designed to increase homeownership rates and reduce the racial and wealth gaps in housing
Key Dates
Published
December 23, 2025
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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