The Federal Housing Finance Agency issued a final rule establishing new affordable housing goals for Fannie Mae and Freddie Mac for 2026–2028, resetting the framework for the enterprises’ housing-goals obligations. FHFA framed the changes as a rollback of prior administration mandates and said the updated goals are intended to keep Fannie Mae and Freddie Mac fully supporting mortgage access across households while meeting their statutory duties. The agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks, which together provide more than USD 8.5 trillion in funding for US mortgage markets and financial institutions.
Federal Housing Finance Agency 2025-12-23
Federal Housing Finance Agency issues final 2026–2028 affordable housing goals rule for Fannie Mae and Freddie Mac
The Federal Housing Finance Agency (FHFA) issued a final rule setting new affordable housing goals for Fannie Mae and Freddie Mac for 2026–2028, revising the enterprises' housing-goals obligations. The changes are described as a rollback of previous mandates to ensure continued mortgage access while fulfilling statutory duties. The FHFA oversees Fannie Mae, Freddie Mac, and 11 Federal Home Loan Banks, collectively funding over USD 8.5 trillion in US mortgage markets.