FHFA Releases 2025 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization
Industry Update
December 20, 2024
Source: Federal Housing Finance Agency
The Federal Housing Finance Agency (FHFA) released the 2025 Scorecard for Fannie Mae and Freddie Mac (the Enterprises), establishing an array of objectives for them to operate safely and soundly, further develop risk management frameworks, and support market improvements in housing supply and affordability, among other steps.
FHFA releases a Scorecard annually to communicate the Agency’s priorities and expectations for both the Enterprises and Common Securitization Solutions, LLC (CSS) in a transparent manner.
“The 2025 Scorecard establishes objectives for the Enterprises to address affordability challenges in the housing market, facilitate greater supply and resilience of the nation’s housing stock, improve efficiency in mortgage processes, and promote sustainability in housing outcomes,” said FHFA Director Sandra L. Thompson. “These objectives are consistent with FHFA’s responsibility to ensure the Enterprises fulfill their mission of promoting liquidity and access to sustainable mortgage credit in a safe and sound manner.”
The Scorecard also reinforces the importance of strengthening the Enterprises’ resilience to a range of financial and operational risks, including those related to natural disasters. Furthermore, the 2025 Scorecard guides the Enterprises to improve risk management frameworks related to their use of artificial intelligence (AI) and to explore the benefits and risks associated with expanded use of AI and machine learning in the mortgage industry.
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