Programs

Equitable Housing Finance

The Equitable Housing Finance program seeks to identify and address barriers to sustainable housing opportunities for homeowners and renters through meaningful actions and public engagement.

Enterprises’ Equitable Housing Finance Plan

The Enterprises publish a three-year Equitable Housing Finance Plan (EHFP) developed with public engagement and adopted by each Enterprise describing how each Enterprise will overcome barriers to sustainable housing opportunities faced by one or more underserved communities through objectives, meaningful actions, and measurable goals. FHFA also requires the Enterprises to publish annual performance reports on the actions undertaken during the prior year to implement their plans.

Since releasing the 2022-2024 Equitable Housing Finance Plans in June 2022, the Enterprises have made critical progress towards ensuring all borrowers and renters have access to fair, sustainable, and equitable housing opportunities. The Plans actions have served millions of families by empowering consumers with education, reducing closing costs, introducing innovation into the underwriting system, combating appraisal undervaluation, and ensuring sustainable housing.

The plans operate in three-year cycles. The 2025-2027 plan will begin with the first year (2025), second year (2026) and third year (2027). EHFP activities are subject to FHFA review and oversight of any risks to or impacts on the safety and soundness of the housing finance market.

• FACT SHEET: Summary of Enterprise Equitable Housing Finance Plans (2022)
• To view a list of currently approved pilots associated with the plan, please view Enterprise Pilots page.
• Regulation on Fair Lending, Fair Housing, and Equitable Housing Finance Plans (12 CFR 1293)