by John Comeau | Jun 16, 2026 | News, Policy Briefs
In an environment marked by economic uncertainty and market volatility, the Federal Home Loan Bank System continues to do what it was designed to do: provide reliable, countercyclical, real estate-collateralized liquidity that strengthens financial institutions,...
by Ryan Donovan | Apr 28, 2026 | News
The recent piece by Aaron Klein and Chris Hughes is troubling on several levels. It gets key facts wrong, misstates the Federal Home Loan Banks’ Congressionally mandated mission, and disregards nearly a century of positive impact the FHLBanks have had on housing and...
by John Comeau | Apr 14, 2026 | News, Policy Briefs
The national housing shortage is one of the great intractable problems facing the country. Politicians from both parties, economists, executives, policymakers, and regulators are focused on a range of issues to be resolved: zoning, regulation, supply‑demand...
by John Comeau | Apr 7, 2026 | News, Policy Briefs
Economic Environment The Federal Home Loan Banks ended 2025 in a position of strength. Economic uncertainty prevailed throughout the year, spurred on in part by the longest government shutdown in history in the fourth quarter. Despite three interest rate cuts by the...
by John Comeau | Mar 24, 2026 | News, Policy Briefs
Last fall, the American Bankers Association (ABA) surveyed member institutions on liquidity management and collateralized borrowing. The findings underscore the critical role the FHLBanks play both in supporting community banks and in promoting stability in the...
by John Comeau | Mar 16, 2026 | News, Policy Briefs
As the above figure indicates, single-family mortgages are by far the largest source of collateral pledged to the FHLBanks. Approximately 50% of collateral is residential mortgages and nearly all collateral pledged to the FHLBanks is backed by housing or other real...
