Data / Federal rules / 2025-23746
2026-2028 Enterprise Housing Goals
The Federal Housing Finance Agency published this final rule in the Federal Register on December 23, 2025. It took effect on February 23, 2026.
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What the agency says
The Federal Housing Finance Agency (FHFA) is issuing a final rule on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2026 through 2028 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The rule establishes benchmark levels for the housing goals for 2026 through 2028. The rule replaces the two area-based subgoals with one low-income areas subgoal, simplifies the goal determination process, clarifies inflation adjustments to maximum civil money penalties related to housing goals, and makes other technical changes.
Key facts
- Document number
- 2025-23746
- Type
- Final rule
- Action
- Final rule
- Agency
- Federal Housing Finance Agency
- Published
- December 23, 2025
- Takes effect
- February 23, 2026
- Dates
- This final rule is effective February 23, 2026.
- Regulation ID (RIN)
- 2590-AB59
- Code of Federal Regulations
- 12 CFR 1209; 12 CFR 1281; 12 CFR 1282
- Topics
- Administrative practice and procedure; Credit; Federal home loan banks; Housing; Mortgages; Penalties; Reporting and recordkeeping requirements
- Pages
- 20
Other documents from the Federal Housing Finance Agency
| Document | Type | Published |
|---|---|---|
| Suspended Counterparty Program 2026-14036 · significant | Proposed rule | Jul 13 |
| Federal Home Loan Bank New Business Activities 2026-14035 · significant | Proposed rule | Jul 13 |
| Enterprise Duty To Serve Underserved Markets; Correction 2026-12943 | Proposed rule | Jun 26 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Enterprise Duty To Serve Underserved Markets 2026-12750 | Proposed rule | Jun 24 |
| Correcting Amendment Reinstating “Grandfather” Exceptions to Restrictions on Private Transfer Fee Covenants; Correction 2026-05463 | Final rule | Mar 20 |
| Amendment Reinstating “Grandfather” Exceptions to Restrictions on Private Transfer Fee Covenants 2026-05160 | Final rule | Mar 17 |
| Orders: Reporting by Regulated Entities of Stress Testing Results as of December 31, 2025; Summary Instructions and Guidance 2026-04814 | Final rule | Mar 12 |
Everything from the Federal Housing Finance Agency · Rules on administrative practice and procedure · Rules on credit · Rules on federal home loan banks · Published in December 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.