2026-2028 Enterprise Housing Goals
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
Impact Assessment
If you are a homeowner or prospective homebuyer, this means Fannie Mae and Freddie Mac will be required to purchase and manage more mortgages for low-income families and underserved communities, potentially expanding lending access but possibly affecting mortgage pricing and availability for other borrowers.
National
Moderate
Key Dates
December 23, 2025
Regulatory Connections
Procedural Rules; Correction
Unlicensed Use of the 6 GHz Band: Expanding Flexible Use in Mid-Band Spectrum between 3.7 and 24 GHz
General Provisions
Television Broadcasting Services: Hutchinson, KS
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.