Data / Federal rules / 2026-05160
Amendment Reinstating “Grandfather” Exceptions to Restrictions on Private Transfer Fee Covenants
The Federal Housing Finance Agency published this final rule in the Federal Register on March 17, 2026. It took effect on March 17, 2026.
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What the agency says
The Federal Housing Finance Agency (FHFA) is making a technical amendment to its Private Transfer Fee Covenants (PTFC) Regulation. The PTFC Regulation restricts FHFA's regulated entities-- the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, the Enterprises), and the Federal Home Loan Banks (Banks)--from purchasing, investing in, accepting as collateral, or otherwise dealing in mortgages on properties encumbered by certain types of PTFCs, or related securities, subject to certain exceptions. The technical amendment reinstates timing and transitional applicability ("grandfather") exceptions that were removed by FHFA's 2024 amendments to the PTFC Regulation. The reinstated "grandfather" exceptions are applicable nunc pro tunc beginning July 16, 2012.
Key facts
- Document number
- 2026-05160
- Type
- Final rule
- Action
- Final rule; technical amendment; request for comments
- Agency
- Federal Housing Finance Agency
- Published
- March 17, 2026
- Takes effect
- March 17, 2026
- Dates
- Effective date: The final rule is effective March 17, 2026.
- Regulation ID (RIN)
- 2590-AB61
- Code of Federal Regulations
- 12 CFR 1228
- Topics
- Banks, banking; Condominiums; Cooperatives; Federal home loan banks; Government-sponsored enterprises; Investments; Loan programs-housing and community development; Low and moderate income housing; Mortgages; Nonprofit organizations; Real property acquisition; Securities
- Pages
- 3
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|---|---|---|
| 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 |
| Orders: Reporting by Regulated Entities of Stress Testing Results as of December 31, 2025; Summary Instructions and Guidance 2026-04814 | Final rule | Mar 12 |
| Fair Lending, Fair Housing, and Equitable Housing Finance Plans 2026-02325 · significant | Final rule | Feb 6 |
Everything from the Federal Housing Finance Agency · Rules on banks, banking · Rules on condominiums · Rules on cooperatives · Published in March 2026
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.