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Proposed Rules
Federal Register Vol. 86, No. 162
Wednesday, August 25, 2021

This section of the FEDERAL REGISTER
contains notices to the public of the proposed issuance of rules and regulations. The purpose of these notices is to give interested persons an opportunity to participate in the rule making prior to the adoption of the final rules.

FEDERAL HOUSING FINANCE
AGENCY
12 CFR Part 1282
RIN 2590AB12

20222024 Enterprise Housing Goals Federal Housing Finance Agency.
ACTION: Proposed rule.
AGENCY:

The Federal Housing Finance Agency FHFA is issuing a proposed rule with request for comments on the housing goals for Fannie Mae and Freddie Mac the Enterprises for 2022
through 2024. The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 the Safety and Soundness Act requires FHFA to establish annual housing goals for mortgages purchased by the Enterprises.
The housing goals include separate categories for single-family and multifamily mortgages on housing that is affordable to low-income and very low-income families, among other categories. The existing housing goals for the Enterprises include benchmark levels through the end of 2021. This proposed rule would establish new benchmark levels for the housing goals and subgoals for 2022 through 2024.
The proposed rule would also replace the low-income areas subgoal with separate area-based subgoals targeting the individual components of the lowincome areas subgoal minority census tracts and low-income census tracts.
Finally, the proposed rule would make several technical changes to definitions and other provisions to conform the regulation to existing practice.
DATES: FHFA will accept written comments on the proposed rule on or before October 25, 2021.
ADDRESSES: You may submit your comments on the proposed rule, identified by regulatory information number RIN 2590AB12, by any one of the following methods:
Agency Website: www.fhfa.gov/
open-for-comment-or-input.

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Federal eRulemaking Portal: http
www.regulations.gov. Follow the instructions for submitting comments. If you submit your comment to the Federal eRulemaking Portal, please also send it by email to FHFA at RegComments@fhfa.gov to ensure timely receipt by FHFA. Include the following information in the subject line of your submission: Comments/RIN
2590AB12.
Hand Delivered/Courier: The hand delivery address is: Clinton Jones, General Counsel, Attention: Comments/
RIN 2590AB12, Federal Housing Finance Agency, 400 Seventh Street SW, Washington, DC 20219. Deliver the package at the Seventh Street entrance Guard Desk, First Floor, on business days between 9 a.m. and 5 p.m.
U.S. Mail, United Parcel Service, Federal Express, or Other Mail Service:
The mailing address for comments is:
Clinton Jones, General Counsel, Attention: Comments/RIN 2590AB12, Federal Housing Finance Agency, 400
Seventh Street SW, Washington, DC
20219. Please note that all mail sent to FHFA via U.S. Mail is routed through a national irradiation facility, a process that may delay delivery by approximately two weeks.
FOR FURTHER INFORMATION CONTACT: Ted Wartell, Associate Director, Housing &
Community Investment, Division of Housing Mission and Goals, 202 649
3157, Ted.Wartell@fhfa.gov; Padmasini Raman, Supervisory Policy Analyst, Housing & Community Investment, Division of Housing Mission and Goals, 202 6493633, Padmasini.Raman@
fhfa.gov; Kevin Sheehan, Associate General Counsel, Office of General Counsel, 202 6493086, Kevin.Sheehan@fhfa.gov; or Marshall Adam Pecsek, Assistant General Counsel, 202 6493380, Marshall.Pecsek@fhfa.gov. These are not toll-free numbers. The mailing address is: Federal Housing Finance Agency, 400 Seventh Street SW, Washington, DC
20219. The telephone number for the Telecommunications Device for the Deaf is 800 8778339.
SUPPLEMENTARY INFORMATION:
I. Comments FHFA invites comments on all aspects of the proposed rule and will take all comments germane to the proposed rule into consideration before issuing a final rule. Copies of all such comments will
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be posted without change, including any personal information you provide such as your name, address, email address, and telephone number, on FHFAs public website at http
www.fhfa.gov. In addition, copies of all such comments received will be available for examination by the public through the electronic rulemaking docket for this proposed rule also located on the FHFA website.
Commenters are encouraged to review and comment on all aspects of the proposed rule, including the proposed single-family housing goals and subgoals benchmark levels, the proposed multifamily housing goals benchmark levels, and the other proposed changes to the regulation.
II. Background A. Statutory and Regulatory Background for the Existing Housing Goals The Safety and Soundness Act requires FHFA to establish several annual housing goals for both singlefamily and multifamily mortgages purchased by the Enterprises.1 The annual housing goals are one measure of the extent to which the Enterprises are meeting their public purposes, which include an affirmative obligation to facilitate the financing of affordable housing for lowand moderate-income families in a manner consistent with their overall public purposes, while maintaining a strong financial condition and a reasonable economic return. 2
Since 2010, FHFA has established annual housing goals for Enterprise purchases of single-family and multifamily mortgages consistent with the requirements of the Safety and Soundness Act. The structure of the housing goals and the rules for determining how mortgage purchases are counted or not counted are defined in the housing goals regulation.3 The most recent rule established benchmark levels for the housing goals for 2021.4
1 See
12 U.S.C. 4561a.
12 U.S.C. 45017.
3 See 12 CFR part 1282.
4 See 85 FR 82881 Dec. 21, 2020. Prior to the rule establishing housing goals for 2021, the most recent rule establishing Enterprise housing goals applied to years 2018 through 2020. See 83 FR 5878
Feb. 12, 2018. The 2020 final rule extended the housing goals benchmark levels applicable to 2018
2020 through 2021 only, a departure from historical FHFA practice of establishing goals at three-year intervals. As stated in the preamble to the 2020
final rule, this choice was motivated by the unique 2 See
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