2025-19428Proposed Rule

Fannie Mae and Freddie Mac Get New Housing Goals Push

Published Date: 10/2/2025

Proposed Rule

Summary

The FHFA is setting new housing goals for Fannie Mae and Freddie Mac from 2026 to 2028 to help more people get affordable homes. They’re simplifying rules, focusing on low-income areas, and updating penalty amounts to keep things fair. These changes affect lenders and communities, with clear targets and timelines to boost housing opportunities.

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

New 2026–2028 Housing Benchmarks

FHFA proposes benchmark levels for Fannie Mae and Freddie Mac’s housing goals for the 2026 through 2028 period. These benchmarks set targets the Enterprises should meet to help more people get affordable homes during 2026–2028.

One Low-Income Areas Subgoal

The rule replaces the two prior area-based subgoals with a single low-income areas subgoal for 2026–2028, focusing the Enterprises’ goal metrics on low-income neighborhoods. If you live in a low-income area, the Enterprises’ activities will be measured against this single subgoal during 2026–2028.

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Key Dates

Published Date
Comments Due
10/2/2025
11/3/2025

Department and Agencies

Department
Independent Agency
Agency
Federal Housing Finance Agency
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