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Performance and Accountability Report ​
This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.
FHFA Values​​​​​                ​​Fairness​​​We value varied perspectives and thoughts and treat others with impartiality.​​​​Accountability​We are responsible for carrying out our work with transparency and professional excellence.​Integrity​We are committed to the highest ethical and professional standards to inspire trust and confidence in our work.​Respect​We treat others with dignity, share information and resources, and collaborate. 
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Annual Report to Congress
Read about the agency’s 2022 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.
Plans and Reports​​​                                    We Want to Hear From You
Submit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.​
 
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                    -  Conservatorship- History of Fannie Mae & Freddie Mac Conservatorships 
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Conservatorship of Fannie Mae       and Freddie Mac​​
As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness. 
Conservatorship ​Performance Goals​
1.  
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Op​​erate the bu​​sines​s in a safe a​nd sound manner.

​2.​  

​​​​​​​​​​Prom​ote su​​stainable and equitable access to affordable housing.
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2023 Scorecard​
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Downloadable Data ​& Data Reports​​
FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.​ 
House Price Index Rele​ase Dates​​​See HPI Release Dates for​ 2023 and 2024​​​ 
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​Source: FHFA​​

FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...​
 
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-  Image Caption ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​A ​Comprehen​​sive Review of the FHLBank System​​​​ 
                                                                                    FHLBank System at 100: Focusing on the Future                                                    PolicyPrograms2024 TechSprint: Generative AI in Housing FinanceAffordable Housing & Community InvestmentClimate Change and ESGFHLBank System at 100: Focusing on the FutureFHLBank System at 100: Report ImplementationDuty to Serve ProgramEnterprise Housing GoalsFair Lending Oversight ProgramFinancial TechnologyFraud PreventionVelocity: A Tech Sprint from the Federal Housing Finance AgencyHousing Finance Examiner Commission ProgramLoss MitigationNational Mortgage Database ProgramNeighborhood Stabilization Initiative (NSI)Meet the ExpertsResearchFHLBank S​ystem at 100:  Focusing on the Future Links
Implementation Updates

FHLBank System at 100: Focusing o​n the Future Report

Report Fact Sheet

YouTube Playlist​

Kick-Off Listeni​ng Session
-  Day 1 (9/29/2022)
-  Day 2 (9/30/2022)
-  Day 3 (10/4/2022)

Wrap-Up Listening Session
-  Day 1 (3/22/2023)
-  Day 2 (3/23/2023)
-  Day 3 (3/24/2023)

Pub​lic Comments​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

Regional Roundtables​​​​​​​​​​​​​
Regional Roundtables
3/20/2023: Alaska

3/17/2023: Hawaii & American Samoa

3/17/2023: Guam & Northern Mariana Islands

3/13/2023: Boston, MA

3/8/2023: San Juan, PR

3/6/2023: Wilmington, NC

3/3/2023: Washington, DC

3/1/2023: Detroit, MI

2/27/2023: Athens, OH

2/17/2023: Boise, ID

2/15/2023: Los Angeles, CA

2/13/2023: Las Vegas, NV

12/15/2022: Philadelphia, PA

12/12/2022: Baltimore, MD

12/8/2022: Washington, DC

12/1/2022: Oklahoma City, OK

11/21/2022: Indianola, MS

11/17/2022: Chicago, IL

11/2/2022: Washington, DC​

All Regional Roundtables​​​​​​​​​
Home / Policy, Programs & Research / Programs / FHLBank System at 100: Focusing on the FutureFHLBank System at 100:  Focusing on the Future​​​Report
FHFA released the    *FHLBank System at 100: Focusing on the Future* Report in November 2023. ​
- See updates on       report implementation .​ 
- Read the        report .​ 
- Read the        report fact sheet . 
​Background on the Review
​The Federal Home Loan Bank (FHLBank​) System has been a critical source of liquidity for its members for the past 90 years, especially during times of market stress, such as the Great Recession and the outset of the COVID-19 pandemic. The FHLBanks also support low-income housing and community development directly by offering a variety of programs to their members, including the Affordable Housing Program, the Community Investment Program, and the Community Investment Cash Advance Program.

As the FHLBanks approach their centennial, the Federal Housing Finance Agency conducted a comprehensive review to ensure they remain positioned to meet the needs of today and tomorrow. As part of the review process, FHFA hosted two public listening sessions and a series of regional roundtable discussions to consider and evaluate the mission, membership eligibility requirements, and operational efficiencies of the FHLBanks. FHFA invited input from stakeholders on the FHLBanks’ role or potential role in addressing housing finance, community and economic development, affordability, and other related issues.

FHFA specifically asked for feedback in six key areas:
- The FHLBanks’ general mission and purpose in a changing marketplace;
- FHLBank organization, operational efficiency, and effectiveness;
- FHLBanks’ role in promoting affordable, sustainable, equitable, and resilient housing and community investment;
- Addressing the unique needs of rural and financially vulnerable communities; 
- Member products, services, and collateral requirements; and
- Membership eligibility and requirements.
Written Comments
FHFA accepted written comments during two periods, in the fall of 2022 and spring of 2023. All comments received are now published on FHFA’s website.

Visit the    Request for Input submissions page and select “FHLBank System at 100: Focusing on the Future” from the dropdown menu at the top of the page to view submissions from the fall of 2022. Select “FHLBank System at 100: Focusing on the Future (2023)” to view submissions from the spring of 2023.
​Listening ​Sessions
**Kick-Off Listening Session**

FHFA kicked off its review with a listening session on September 29, 2022, September 30, 2022, and October 4, 2022.    Click here to view the kickoff listening session agenda, videos, transcripts, and presentations.

**Wrap-up Listening Session**

FHFA held a wrap-up listening session on March 22-24, 2023.    Click here to view the wrap-up listening session agenda, videos, transcripts, and presentations.
Regional Roundtables
Between November 2022 and March 2023, FHFA convened 19 regional roundtables with more than 120 participants, covering a variety of topics. Visit the    Regional Roundtables page to access recordings and transcripts for all of the roundtables.    Click here to view discussion questions for all regional roundtables.
FHFA Statements and Remarks
FHFA Releases Report on FHLBank System at 100 (11/3/2023)

FHFA Announces 2023 Roundtable Discussions and Wrap-Up Listening Session for its FHLBank System at 100: Focusing on the Future Initiative (2/27/2023)

**OpEd by Joshua Stallings in American Banker:**“What comes next for the Federal Home Loan Bank System?”published February 8, 2023

FHFA Announces Comprehensive Review of the Federal Home Loan Bank System (8/31/2022)​
More about the FHLBank System
To learn more about the FHLBank System and FHFA’s regulatory responsibilities, please visit    Federal Home Loan Banks. 
​​Contact:   
Email: FHLBankSystem100@fhfa.gov. This is an actively managed email address.

*​Page last updated: April 3, 2024*
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