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This report describes the Federal Housing Finance Agency's (FHFA) compliance with the Plain Writing Act of 2010 (Act). The purpose of the Act is to improve the effectiveness and accountability of federal agencies to the public by promoting clear government communication that the public can understand and use.
House prices were flat nationwide in October, experiencing a 0.0 percent change from the previous month, according to the latest Federal Housing Finance Agency House Price Index (FHFA HPI®). House prices rose 9.8 percent from October 2021 to October 2022. The previously reported 0.1 percent price increase in September 2022 remained unchanged.
The Enterprise Non-Performing Loan Sales Report includes sales information about NPLs sold through June 30, 2022. Borrower outcomes reflect NPLs reported through June 30, 2022 and sold through December 31, 2021.
The sale of NPLs reduces the number of delinquent loans in the Enterprises' portfolios and transfers credit risk to the private sector. FHFA and the Enterprises impose requirements on NPL buyers designed to achieve more favorable outcomes for borrowers than foreclosure.
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 Banks, including an analysis of collateral by type and by Bank district. 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.
Fannie Mae and Freddie Mac began issuing the Uniform Mortgage-Backed Securities (UMBS) on June 3, 2019.
This quarterly report provides market participants additional transparency into a sample of the data FHFA receives and reviews on a monthly basis. The report focuses on alignment of prepayment rates, which continues to be important to the success of UMBS and to the efficiency and liquidity of the secondary mortgage market.
House prices rose nationwide in May, up 1.4 percent from the previous month, according to the latest Federal Housing Finance Agency House Price Index (FHFA HPI®). House prices rose 18.3 percent from May 2021 to May 2022. The previously reported 1.6 percent price change for April 2022 was revised downward to 1.5 percent.
The Enterprise Non-Performing Loan Sales Report includes information about NPLs sold through December 31, 2021 and reflects borrower outcomes on NPLs sold through June 30, 2021 and reported through December 31, 2021. The sale of NPLs reduces the number of delinquent loans in the Enterprises' portfolios and transfers credit risk to the private sector. FHFA and the Enterprises impose
requirements on NPL buyers designed to achieve more favorable outcomes for borrowers than foreclosure.
House prices rose nationwide in April, up 1.6 percent from the previous month, according to the latest Federal Housing Finance Agency House Price Index (FHFA HPI®). House prices rose 18.8 percent from April 2021 to April 2022. The previously reported 1.5 percent price change for March 2022 was revised upward to 1.6 percent.
