FHFAFinal Rule
Fair Lending, Fair Housing, and Equitable Housing Finance Plans
HousingFinance & Banking
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Summary
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.
Key Points
- 1Lenders must demonstrate they are not discriminating against borrowers based on race, color, national origin, religion, sex, disability, or family status
- 2Housing finance companies must develop and implement plans to increase fair lending practices and reduce disparities in loan approvals and terms
- 3The regulation applies to major mortgage lenders and housing finance agencies overseen by the FHFA
- 4Companies must collect and report data on lending patterns to identify and address potential discrimination
- 5Violations can result in penalties and enforcement actions against lenders who fail to comply with fair lending requirements
Key Dates
Published
February 6, 2026
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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