Duty to Serve Underserved Markets (FHFA)

Current understanding

To be populated as evidence accumulates.

Evidence log

• 2026-05-20 — ROAD to Housing Act of 2025: The ROAD to Housing Act of 2025 (HR 6337) was referred to the House Subcommittee on Commodity Markets, Digital Assets, and Rural Development, indicating congressional interest in rural housing policy that overlaps with FHFA’s rural Duty to Serve market. (novelty: 2)
• 2026-06-12 — Revising the Definition of “Manufactured Home” to Lower Housing Costs: HUD’s proposed redefinition of ‘manufactured home’ (allowing non-chassis upper floors) could expand the stock of HUD-code manufactured housing eligible for Enterprise financing under the manufactured housing Duty to Serve market. (novelty: 2) (novelty: 2)
• 2026-06-24 — Enterprise Duty To Serve Underserved Markets: FHFA proposed to rescind and replace the existing Duty to Serve rule, aiming to give Fannie Mae and Freddie Mac more flexibility in serving very low-, low-, and moderate-income families across manufactured housing, affordable housing preservation, and rural housing markets. (novelty: 2)

Open questions

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