Company: FMCCN
Filing Date: 2025-10-30
Form Type: 10-Q
Source: 0001026214-25-000116
Chunk: 43

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-10-30
Form: 10-Q
Item: Item 15
Chunk 43
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 Enterprises. The impact of these and any similar future actions taken by FHFA are uncertain at this time. 

2025 Dodd-Frank Stress Test Results

FHFA requires the Enterprises to conduct annual stress tests to assess capital adequacy under FHFA's rule implementing the Dodd-Frank Act. In August 2024, FHFA temporarily waived the requirement that we publish our 2024 stress test results. On August 15, 2025, we published on our website the results of the severely adverse scenarios for 2024 and 2025. Those results, and those of previous years, can be found at www.freddiemac.com/investors/resources.

Low Income Housing Tax Credits Investments

In August, FHFA announced that it had doubled the amount of equity that we can invest in LIHTC properties from $1 billion to $2 billion each year and designated certain requirements for the level of those investments that should be dedicated to transactions that have difficulty attracting investments, including those that meet the needs of Duty to Serve rural markets.

Proposed Affordable Housing Goals for 2026-2028

In October 2025, FHFA published a proposed rule that would establish affordable housing goals for the Enterprises for 2026 through 2028. The proposed rule also combines the two subgoals for low-income census tracts and minority census tracts into a single low-income areas subgoal.

Affordable Housing Goal Results

In October 2025, FHFA informed us that we achieved all of our single-family and multifamily goals and subgoals for 2024. Our performance on the goals for 2024 and 2023, as determined by FHFA, is set forth in the table below.

Table 40 - 2024 and 2023 Affordable Housing Goals Results20242023Affordable Housing GoalsBenchmark LevelMarket LevelResults Benchmark LevelMarket Level ResultsSingle-Family:Low-income home purchase goal28 %25.5 %26.6 %28 %26.3 %28.5 %Very low-income home purchase goal7 6.0 6.1 7 6.5 6.8 Low-income areas home purchase goal(1)19 27.9 28.0 20 28.1 29.5 Minority census tracts home purchase subgoal10 11.9 12.0 10 12.2 13.2 Low-income census tracts home purchase subgoal4 9.9