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Federal Register / Vol. 86, No. 246 / Tuesday, December 28, 2021 / Rules and Regulations
v Multifamily workforce housing goal. One commenter suggested that FHFA establish a multifamily goal targeting support for multifamily properties rented to households with incomes from 60 to 120 percent of AMI
which is the common definition of incomes for workforce housing. The commenter recommended that FHFA
give the Enterprises goals credit for purchasing mortgage loans on multifamily rental properties with a prescribed number of rental units that are affordable to moderate-income families with incomes between 60 and 120 percent of AMI. However, this proposal is outside the scope of this rulemaking. Therefore, the final rule does not change the structure of the multifamily housing goals to expand beyond the statutory requirements for establishing multifamily goals, which limit housing goals credit to households at or below 80 percent of AMI. FHFA
acknowledges the importance of this market segment and may take workforce housing into consideration in future rulemakings.

vi Qualitative considerations. Fannie Mae and another commenter proposed incorporating qualitative goals in FHFAs final determinations for Enterprise annual performance. The commenters argued that analyzing the Enterprises qualitative efforts in addition to their quantitative performance metrics will bolster FHFAs determination of appropriate remedies for Enterprise noncompliance with housing goals. The commenters recommended that FHFA give the Enterprises credit for participation in stakeholder efforts to promote affordable and sustainable housing. The commenters also suggested that FHFA
explore opportunities for developing qualitative goals in conjunction with the Enterprises development and implementation of their Equitable Housing Finance Plans and their efforts to advance equity in housing finance.
FHFA agrees that the implementation of qualitative measures plays an important role in the Enterprises ability to achieve the quantitative housing goals. In particular, quantitative
measures may not always reflect the impact of market developments outside the control of the Enterprises that may have a significant impact on the ability of the Enterprises to meet the housing goals. However, FHFA continues to believe that the establishment of quantitative benchmark levels provides clearly defined standards for objectively measuring the Enterprises performance.
FHFA notes that the qualitative efforts of the Enterprises in attempting to meet the housing goals are an appropriate consideration when assessing the feasibility of any housing goals that an Enterprise fails to achieve, as well as whether to require an Enterprise to submit a housing plan if the Enterprise fails to achieve a goal that was feasible.
III. Summary of Final Rule A. Benchmark Levels for the SingleFamily Housing Goals The final rule establishes the benchmark levels for the single-family housing goals and subgoals for 2022
2024 as follows:

TABLE 1SINGLE-FAMILY BENCHMARK LEVELS FOR 20222024
Final benchmark level for 20222024
percent
Goal
Criteria
Low-Income Home Purchase Goal
Home purchase mortgages on single-family, owner-occupied properties to borrowers with incomes no greater than 80 percent of AMI.
Home purchase mortgages on single-family, owner-occupied properties to borrowers with incomes no greater than 50 percent of AMI.
Home purchase mortgages on single-family, owner-occupied properties to borrowers with incomes no greater than 100 percent of AMI, in minority census tracts 1.
i Home purchase mortgages on single-family, owner-occupied properties to borrowers regardless of income in low-income census tracts 2 that are not minority census tracts, and ii home purchase mortgages on single-family, owner-occupied properties to borrowers with incomes greater than 100 percent of AMI in low-income census tracts that are also minority census tracts.
Refinancing mortgages on single-family, owner-occupied properties to borrowers with incomes no greater than 80 percent of AMI.

Very Low-Income Home Purchase Goal.
Minority Census Tracts Subgoal
Low-Income Subgoal.

Census
Tracts
Low-Income Refinancing Goal
1 Census 2 Census
28
7 10
4

26

tracts that have a minority population of at least 30 percent and a median income of less than 100 percent of AMI.
tracts where the median income is no greater than 80 percent of AMI.

B. Multifamily Housing Goal Levels The final rule establishes the benchmark levels for the multifamily goal and subgoals for 2022 as follows:

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TABLE 2MULTIFAMILY BENCHMARK LEVELS FOR 2022
Final benchmark level for 2022

Goal
Criteria
Low-Income Goal

Units affordable to families with incomes no greater than 80 percent of AMI in multifamily rental properties with mortgages purchased by an Enterprise.
Units affordable to families with incomes no greater than 50 percent of AMI in multifamily rental properties with mortgages purchased by an Enterprise.
Units affordable to families with incomes no greater than 80 percent of AMI in small multifamily rental properties 5 to 50 units with mortgages purchased by an Enterprise.

Very Low-Income Subgoal
Small Multifamily Low-Income Subgoal.

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415,000 units.
88,000 units.
Freddie Mac: 23,000 units.
Fannie Mae: 17,000 units.