FHFA Meaning and
Definition
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The Federal Housing Finance Agency (FHFA) is a regulatory agency in the United States responsible for overseeing and supervising the operations of two government-sponsored enterprises (GSEs), namely, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Established in 2008 by the Housing and Economic Recovery Act, the FHFA is mandated with ensuring the stability, liquidity, and efficiency of the secondary mortgage market.
The primary objective of the FHFA is to promote the availability and affordability of mortgage financing while minimizing potential risks to the financial system. The agency monitors and regulates various aspects of Fannie Mae and Freddie Mac's activities, including their capital requirements, risk management practices, and compliance with statutory guidelines. It also reviews their loan purchase guidelines and sets limits on the maximum loan amounts they can purchase.
In addition to its regulatory duties, the FHFA also plays a crucial role in facilitating the resolution of distressed or failing GSEs. It has the authority to initiate conservatorship or receivership proceedings, providing financial stability and preventing disruptions in the housing finance industry.
Overall, the FHFA is an essential entity that regulates, supervises, and protects the interests of Fannie Mae and Freddie Mac, ultimately contributing to the stability and proper functioning of the secondary mortgage market in the United States.
Common Misspellings for FHFA
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