FY 2026-2030 Strategic Plan U.S. Federal Housing (Federal Housing Finance Agency) Strategic Plan for Fiscal Years 2026 through 2030, published March 16, 2026. Submitter's Note: As per the requirement set forth in section 10 of the GPRA Modernization Act, this StratML rendition was compiled from the source by Claude.ai and has been lightly edited in the form at https://stratml.us/forms/Claude/Part1.html. Source: https://www.fhfa.gov/document/FHFA-Strategic-Plan-2026-2030-final.pdf. Public input was invited over a 21-day period ending November 5, 2025. Note: The agency operates under the branding "U.S. Federal Housing" in this plan, though its statutory name remains Federal Housing Finance Agency (FHFA). The Agency currently serves as both regulator and conservator of Fannie Mae and Freddie Mac, established in conservatorship on September 6, 2008. Federal Housing Finance Agency FHFA urn:uuid:e5f6a7b8-fhfa-0001-0000-000000000001 U.S. Federal Housing (Federal Housing Finance Agency or FHFA) was established by the Housing and Economic Recovery Act of 2008 (HERA). The Agency is responsible for the effective supervision, regulation, and mission oversight of Fannie Mae, Freddie Mac, U.S. Financial Technologies (U.S. FinTech, originally Common Securitization Solutions), and the Federal Home Loan Bank System, which includes 11 Federal Home Loan Banks (FHLBanks) and their joint Office of Finance. William J. Pulte Director, Federal Housing Finance Agency Help restore the American dream of homeownership for ALL Americans. urn:uuid:e5f6a7b8-fhfa-0001-0010-000000000010 Ensure the operations and activities of each regulated entity foster liquid, efficient, competitive, and resilient national housing finance markets in a safe and sound manner. urn:uuid:e5f6a7b8-fhfa-0001-0020-000000000020 Enterprise Oversight Responsibly oversee Fannie Mae and Freddie Mac for the American people, serving as both regulator and conservator, through risk-focused supervision, statutory compliance, conservatorship management, fraud prevention, deregulation, and housing supply support. 02d787ee-d566-4655-bd75-a3279c1131c0 1 Full title: "Strategic Goal 1: Responsibly Oversee Fannie Mae and Freddie Mac for the American People." FHFA uses a risk-focused approach to conduct supervisory examinations, prioritizing activities based on risk to safe and sound operation or compliance with laws and regulations. As conservator, FHFA also has a duty to preserve and conserve Enterprise assets and property. The Enterprises include Fannie Mae, Freddie Mac, and U.S. FinTech (formerly Common Securitization Solutions). Safety & Soundness Ensure the safety and soundness of the Enterprises and U.S. FinTech through risk-focused supervision, compliance enforcement, supervisory testing, and monitoring of emerging risks and macroeconomic conditions. c9d796cc-b435-4d14-81f8-bfbf891d9873 1.1 Full title: "Objective 1.1: Ensure the safety and soundness of the Enterprises and U.S. FinTech through risk-focused supervision." Strategies: (1) Conduct risk-focused supervision and ensure Enterprises and U.S. FinTech remediate supervisory concerns; (2) Ensure compliance with applicable laws, regulations, and financial standards; (3) Develop and administer supervisory tests as appropriate; (4) Monitor emerging risks, industry trends, and macroeconomic conditions; (5) Ensure the Enterprises establish and maintain standards for sellers, servicers, and counterparties. Statutory Compliance Ensure the Enterprises fulfill all legal and statutory responsibilities, including Affordable Housing Goals, Duty to Serve, Housing Trust Fund, Capital Magnet Fund, executive compensation, and Charter Act requirements. 987517dd-d6c8-435b-89b7-9475814293e1 1.2 Full title: "Objective 1.2: Ensure the Enterprises fulfill all legal and statutory responsibilities." Strategies: (1) Ensure compliance with Affordable Housing Goals, Duty to Serve, Housing Trust Fund, Capital Magnet Fund, executive compensation, and other statutory requirements; (2) Ensure compliance with Charter Acts. Conservatorship Management Manage the conservatorships on behalf of the American people by communicating objectives to Enterprise boards, monitoring governance, assessing performance, and preserving and conserving Enterprise assets. d972ee50-477d-44d8-a033-dc074e86b928 1.3 Full title: "Objective 1.3: Manage the conservatorships on behalf of the American people." Strategies: (1) Communicate annual objectives, expectations, and priorities to Enterprise boards and management; (2) Monitor boards and board-level committees and oversee corporate governance effectiveness; (3) Conduct assessments of Enterprise performance against Agency priorities; (4) Preserve and conserve assets while managing the conservatorships. Fraud Prevention Identify and combat fraud and misconduct at the Enterprises by enforcing strong taxpayer-protective standards and supporting anti-fraud reporting and information sharing. 10019597-8130-469e-8268-89db01201748 1.4 Full title: "Objective 1.4: Identify and combat fraud and misconduct." Strategies: (1) Enhance and enforce strong standards that protect taxpayers; (2) Support anti-fraud related reporting and information sharing. Deregulation Reduce unnecessary regulatory burdens on the Enterprises by complying with Executive Orders on deregulation and identifying and remediating regulations that are overburdensome, costly, or inconsistent with efficient operations. 64865ca4-735c-48d9-b67f-ee57b6d02484 1.5 Full title: "Objective 1.5: Reduce unnecessary regulatory burdens." Strategies: (1) Comply with Executive Orders related to promoting prosperity for Americans through deregulation; (2) Identify and remediate regulations that are overburdensome, costly, and inconsistent with efficient Enterprise operations. Housing Supply Support efforts to expand housing supply to meet national demand by ensuring Enterprise support for the Low-Income Housing Tax Credit market and encouraging exploration of opportunities to address the national housing supply crisis. 1ae3329e-6989-4f8e-9e40-77f40604feaa 1.6 Full title: "Objective 1.6: Support efforts to expand housing supply to meet national demand." Strategies: (1) Ensure the Enterprises support the Low-Income Housing Tax Credit investment market; (2) Encourage the Enterprises to explore opportunities to address the national housing supply crisis. FHLBank Supervision Supervise the Federal Home Loan Bank System through continuous risk-focused supervision, statutory compliance oversight, fraud prevention, deregulation, and support for housing supply initiatives. c08db5c1-e0d0-4485-833c-ddce603a52cf 2 Full title: "Strategic Goal 2: Supervise the Federal Home Loan Bank System." The FHLBank System includes 11 Federal Home Loan Banks and the Office of Finance. FHFA has a statutory duty to promote safe and sound operations and will assess them through continuous supervision consisting of targeted examinations and ongoing monitoring. Safety & Soundness Ensure the safety and soundness of the FHLBanks and Office of Finance through risk-focused supervision, compliance enforcement, supervisory testing, and monitoring of emerging risks and market conditions. 90837d8e-1a1c-4c4a-bf27-eb1c393f7eb4 2.1 Full title: "Objective 2.1: Ensure the safety and soundness of the FHLBanks and Office of Finance through risk-focused supervision." Strategies: (1) Conduct risk-focused supervision and ensure FHLBanks and Office of Finance remediate supervisory concerns; (2) Ensure compliance with laws, regulations, and financial standards; (3) Develop and administer supervisory tests as appropriate; (4) Monitor emerging risks, industry trends, and macroeconomic conditions. Statutory Compliance Ensure the FHLBanks fulfill all legal and statutory responsibilities, including serving as a stable source of liquidity for member institutions and complying with Affordable Housing Program, Housing Goals, and other statutory requirements. 0d73130e-3cc4-4364-8839-264517cc078d 2.2 Full title: "Objective 2.2: Ensure the FHLBanks fulfill all legal and statutory responsibilities." Strategies: (1) Ensure the FHLBanks serve as a source of stable and reliable liquidity for member institutions; (2) Ensure FHLBank compliance with Affordable Housing Program (AHP), Housing Goals, Community Investment Cash Advances, Community Investment Program, Community Support Program, and other statutory requirements. Fraud Prevention Identify and combat fraud and misconduct in the FHLBank System by enforcing strong taxpayer-protective standards and supporting anti-fraud reporting and information sharing. 78d4cd69-19eb-4855-859e-99dfbf0ca88a 2.3 Full title: "Objective 2.3: Identify and combat fraud and misconduct." Strategies: (1) Enhance and enforce strong standards that protect taxpayers; (2) Support anti-fraud related reporting and information sharing. Deregulation Reduce unnecessary regulatory burdens on the FHLBanks by complying with Executive Orders on deregulation and identifying and remediating regulations that are overburdensome, costly, or inconsistent with efficient FHLBank operations. db66094c-7a8f-4a07-9c95-8f762ff57caa 2.4 Full title: "Objective 2.4: Reduce unnecessary regulatory burdens." Strategies: (1) Comply with Executive Orders related to promoting prosperity for Americans through deregulation; (2) Identify and remediate regulations that are overburdensome, costly, and inconsistent with efficient FHLBank operations. Housing Supply Encourage efforts to expand housing supply to meet national demand by supporting new housing supply initiatives and ensuring FHLBanks leverage the Affordable Housing Program and other programs to address critical supply needs in their districts. a3bf85c4-7821-450f-bfe7-01c59c3cecbe 2.5 Full title: "Objective 2.5: Encourage efforts to expand housing supply to meet national demand." Strategies: (1) Support creation of initiatives to develop new housing supply and rehabilitate existing housing stock; (2) Ensure the FHLBanks leverage the AHP and other programs to address critical housing supply needs in their districts. Agency Operations Efficiently manage U.S. Federal Housing operations through sound governance, modern IT infrastructure, and fulfillment of all statutory reporting requirements. b48547ed-e016-4737-b4e5-800451473881 3 Full title: "Strategic Goal 3: Efficiently Manage U.S. Federal Housing Operations." FHFA will streamline and modernize core operational processes to ensure timely, accurate, and cost-effective service delivery, leverage data and technology, strengthen internal controls, and ensure full compliance with all statutory reporting requirements. Governance & Stewardship Ensure sound governance and good stewardship of taxpayer resources through strong internal controls, transparent financial statements, performance management, and compliance with accountability-promoting Executive Orders. c637d47b-79c7-4043-949f-93eb887e5c44 3.1 Full title: "Objective 3.1: Ensure sound governance and good stewardship of taxpayer resources." Strategies: (1) Develop and strengthen internal controls and risk management; (2) Produce financial statements demonstrating compliance, transparency, and accountability; (3) Execute an employee performance management system driving high-performance culture; (4) Implement operational and risk management practices to assess, mitigate, and respond to fraud, waste, and abuse; (5) Comply with Executive Orders promoting accountability, cost effectiveness, and operational efficiency. IT Infrastructure Deliver and support a modern IT infrastructure that ensures security and agility by modernizing core systems, maintaining cybersecurity, minimizing downtime, and leveraging advanced analytics including emerging AI technologies. 27d8a362-8799-4452-9f73-b75020c420bd 3.2 Full title: "Objective 3.2: Deliver and support a modern IT infrastructure that ensures security and agility." Strategies: (1) Modernize core systems and workflows to reduce manual processes and accelerate service delivery; (2) Maintain and enhance resilience and availability of IT resources; (3) Protect against cyber attacks and infiltrations; (4) Ensure critical systems are readily available with minimal downtime; (5) Leverage data and technology tools to increase staff productivity; (6) Improve data governance while expanding use of advanced analytics including emerging AI technologies. Statutory Reporting Fulfill statutory reporting requirements by publishing house price trends, analyzing and reporting on Enterprise housing activities, and submitting mandated Congressional reports by statutory deadlines. c0aceecd-37ec-4398-b01a-351cfb73e721 3.3 Full title: "Objective 3.3: Fulfill statutory reporting requirements." Strategies: (1) Analyze and publish trends in house prices (FHFA House Price Index); (2) Publish analysis and data on the housing activities of the Enterprises; (3) Submit mandated reports to Congress by the statutory deadline. 2026-10-01 2030-09-30 2026-03-16 https://www.fhfa.gov/document/FHFA-Strategic-Plan-2026-2030-final.pdf Owen Ambur Owen.Ambur@verizon.net