Regulatory Reading Room

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HUD is the mission regulator for Fannie Mae and Freddie Mac, two housing government sponsored enterprises or GSEs. HUD's responsibilities include ensuring that the GSEs engage in activities and programs that are consistent with their charter authorities, including the public purposes that Congress established for them. In this regard, HUD reviews business activities and issues determination letters. HUD also sets, monitors, and enforces affordable housing goals, which the GSEs are expected to meet or exceed each year. HUD publishes regulations related to the housing goals and also issues policy letters on specific issues related to counting mortgages and dwelling units for credit towards the housing goals.

HUD Determination and Policy Letters
Where information is proprietary or confidential, pursuant to Section 1326 of FHEFSSA ("Prohibition of Public Disclosure of Proprietary Information" (12 U.S.C. § 4546) and HUD's regulations regarding the handling of confidential and proprietary information (24 C.F.R. §§ 81.73-81.77), the information has been redacted.