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FHFA RIN: 2590-AB29 Publication ID: Fall 2023 
Title: Fair Lending, Fair Housing, and Equitable Housing Finance Plan 

The Fair Housing Act provides that agencies with supervisory or regulatory authority over financial institutions shall administer their programs and activities in a manner affirmatively furthering the purposes of the Fair Housing Act. The final rule would codify in regulation much of FHFA’s existing practices and programs regarding fair housing and fair lending oversight of its regulated entities, the Equitable Housing Finance Plan program for the Enterprises, and requirements for the Enterprises to collect and report language preference, homeownership education, and housing counseling information. The final rule would include changes to the Equitable Housing Finance Plan program as it currently exists to promote greater accountability for the Enterprises and public transparency, add oversight of unfair and deceptive practices to FHFA’s fair housing and fair lending oversight programs, require additional certification of fair housing and fair lending compliance by the Enterprises, and establish more precise standards related to fair housing, fair lending, and equitable housing for regulated entity boards of directors in carrying out their existing responsibility under FHFA’s governance regulation to direct the operations of the regulated entities in conformity with FHFA regulations. FHFA’s inclusion of this rule is based on feedback from the public received through a Request for Input (RFI) in September 2021 and public listening sessions in September of 2021 and June of 2023 that included a variety of stakeholders including industry participants, researchers, and community groups. Participants described the need for FHFA and the Enterprises to undertake actions to support equity in the housing markets and provided valuable input on program goals and design.

Agency: Federal Housing Finance Agency(FHFA)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
CFR Citation: 12 CFR 1293   
Legal Authority: 12 U.S.C 1456(c)(1)    12 U.S.C. 1723a(m)(1)    12 U.S.C. 4511    12 U.S.C. 4513    12 U.S.C. 4513b    12 U.S.C. 4514    12 U.S.C. 4517    12 U.S.C. 4526    42 U.S.C. 3608(d)   
Legal Deadline:  None
Action Date FR Cite
NPRM  04/26/2023  88 FR 25293   
NPRM Comment Period End  06/26/2023 
Final Action  04/00/2024 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL:;   Public Comment URL:;  
RIN Data Printed in the FR: No 
Agency Contact:
James Wiley
Associate Director, Office of Fair Lending Oversight
Federal Housing Finance Agency
400 Seventh Street SW,
Washington, DC 20219
Phone:202 649-3209

Leda Bloomfield
Supervisory Policy Analyst, Office of Fair Lending Oversight
Federal Housing Finance Agency
400 Seventh Street SW,
Washington, DC 20219
Phone:202 649-3415