This dataset denotes the FHFA Conforming Loan Limits 2022. The Federal Housing Finance Agency (FHFA) is an independent regulatory agency that is not part of the Department of Housing and Urban Development (HUD). The FHFA was established by the Housing and Economic Recovery Act of 2008 (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of Fannie Mae, Freddie Mac (the Enterprises), Common Securitization Solutions, LLC (CSS), and the Federal Home Loan Bank System, which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac. Conforming Loan Limits are mortgage limits set annually (as required by HERA) by the FHFA. In order for a mortgage loan to be eligible to be insured by Freddie Mac or Fannie Mae, the loan amount must be less than the loan limit.

FHFA is required to monitor and report annually on the Federal Home Loan Banks' support of their low-income housing and community development activities to the Federal Home Loan Banks' Advisory Councils. This report fulfills that requirement. This report addresses the FHLBanks’ activities to support low-income housing and community development. The FHLBanks support a range of these activities through three programs: the statutorily-mandated Affordable Housing Program (AHP), the statutorily-mandated Community Investment Program (CIP), and the voluntary Community Investment Cash Advance Program (CICA). Under these programs, the FHLBanks provide loans (referred to as advances) and grants to their members, and their members then use these funds to assist very low- and low- or moderate-income households and communities. The report also covers FHLBank Community Support Programs, non-depository Community Development Financial Institution (CDFI) membership, and FHLBank performance on housing goals.

The Housing and Economic Recovery Act of 2008 (HERA) requires the Federal Housing Finance Agency (FHFA) to submit an annual report to Congress on the collateral pledged to the FHLBanks, including an analysis of collateral by type and by Bank district.3 FHFA’s Report on Collateral Pledged to Federal Home Loan Banks provides the required information as well as additional analysis of data on the types and amounts of collateral pledged to the Banks to secure advances and other collateralized products offered by the Banks to their members. The information in this report uses data collected through a quarterly data collection conducted by FHFA’s Division of Federal Home Loan Bank Regulation (DBR).

The Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,500 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation.

This dataset denotes the locations and pertinent information for Fair Housing Assistance Program (FHAP) grantees. If such agencies are determined by FHEO to enforce state or local fair housing laws that are substantially equivalent to the federal Fair Housing Act, they can receive financial and operational assistance from FHEO to enforce such laws. FHAP agencies receive funding from HUD to support their efforts. Payments are made once a year after the end of the period of performance for that agency.

The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of whole loan, competitive auctions, offering for purchase defaulted single family mortgages provided by FHA-approved loan servicers. The loans sold contain specified representations and warranties and may be sold with post-sale restrictions and/or reporting requirements. Currently, the FHA is selling loans in large national pools, as well as loan pools in designated geographical areas that are aimed at a neighborhood stabilization outcome (“NSO pools”).

This dataset denotes the locations and pertinent information for Fair Housing Initiatives Program (FHIP) grantees. The Fair Housing Initiatives Program (FHIP) is a competitive grant program established by the Housing and Community Development Act of 1987 (42 U.S.C. 3616) which allows for grants to private non-profit organizations to assist with issues of housing discrimination.

FHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac.

The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 establishes a duty for Fannie Mae and Freddie Mac (the Enterprises) to serve the housing needs of very low-, low-, and moderate-income families in rural areas. FHFA has issued a final rule that provides eligibility for Duty to Serve credit for Enterprise mortgage purchases and other activities in “rural areas,” as defined in the rule. Additionally, the final rule specifies supportfor high-needs rural regions as a Regulatory Activity that the Enterprises may consider when developing their plans for the Duty to Serve program. FHFA’s 2017 Rural Areas File designates census tracts in the Metropolitan Statistical Areas (MSAs) and outside of MSAs of the 50 states, the District of Columbia, and Puerto Rico that are considered rural areas or non-rural areas under the final rule. The File also identifies whether census tracts are located in “high-needs” counties in order to determine whether tracts meet the definition of “high-needs rural regions” in the final rule.

The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 establishes a duty for Fannie Mae and Freddie Mac (the Enterprises) to serve the housing needs of very low-, low-, and moderate-income families in rural areas. FHFA has issued a final rule that provides eligibility for Duty to Serve credit for Enterprise mortgage purchases and other activities in “rural areas,” as defined in the rule. Additionally, the final rule specifies supportfor high-needs rural regions as a Regulatory Activity that the Enterprises may consider when developing their plans for the Duty to Serve program. FHFA’s 2017 Rural Areas File designates census tracts in the Metropolitan Statistical Areas (MSAs) and outside of MSAs of the 50 states, the District of Columbia, and Puerto Rico that are considered rural areas or non-rural areas under the final rule. The File also identifies whether census tracts are located in “high-needs” counties in order to determine whether tracts meet the definition of “high-needs rural regions” in the final rule.