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FHFA Seeks Input On Future Of Fannie/Freddie

Oct 15, 2025
FHFA Foreclosure Prevention and Refinance Report
Staff Writer

FHFA requesting public comment on the strategic direction of the GSEs “to help restore the American Dream of homeownership for all Americans”

Attention loan agents, mortgage brokers and lenders: Now’s your chance to weigh in on the future of Fannie Mae and Freddie Mac.

Respondents have until Nov. 5 to get their thoughts together and send them to the Federal Housing Finance Agency (FHFA), which posted a request for input (RFI) on a new strategic plan for the government sponsored enterprises (GSEs), FHFA’s Strategic Plan: Fiscal Years 2026-2030.

The GSEs have been under federal conservatorship since September 2008 “in response to a substantial deterioration in the housing markets that severely damaged each Enterprise's financial condition and left both of them unable to fulfill their missions without government intervention.”

Now, the Trump Administration is seeking input from the public on three proposed goals:

  • To responsibly oversee Fannie Mae and Freddie Mac for the American people
  • Supervise the Federal Home Loan Bank System
  • Efficiently manage federal housing operations

The “vision,” the plan says, is “to help restore the American dream of homeownership for all Americans,” with the emphasis on "all."

Under each goal, the plan offers several objectives and a number of ways to meet them. Under the oversight goal of Fannie and Freddie, for example, it would ensure the safety and soundness of the GSEs and fintech by conducting risk-focused supervision and examination work to remediate supervisory concerns.

It also wants to ensure their compliance with applicable laws and regulations and their adherence to financial standards. It would develop and administer supervisory tests, as appropriate, and monitor emerging risks, industry trends, supervisory standards and macroeconomic market conditions to inform risk assessments and adjust supervisory approaches.

The plan calls for ways to ensure the GSEs establish and maintain standards for sellers, servicers and counterparties that strengthen the overall functioning and resiliency of the mortgage markets.

That’s just one objective; there are five more under the oversight heading, and each goal offers a similar number of strategies.

One target under the “Manage federal housing operations” goal, for example, is to deliver and support a modern IT infrastructure that ensures security and agility for the GSEs. Another is to ensure sound governance and good stewardship of taxpayer resources.

Parties interested in submitting comments may click here to access the FHFA’s Strategic Plan: Fiscal Years 2026-2030.
 

About the author
Staff Writer
Lew Sichelman has been covering the housing and mortgage sectors for 52 years. His syndicated column appears in major newspapers throughout the country.
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