Diversity & Inclusion

Federal Housing Finance Agency (FHFA) regulation 12 CFR Part 1223-Minority and Women Inclusion requires that the Federal Home Loan Banks, Freddie Mac and Fannie Mae promote non-discrimination, diversity and the inclusion of women, minorities, individuals with disabilities, women-, minority- and disabled-owned businesses across employment, procurement, contracting, financial transactions and all business activities.

To accomplish this, all FHLBanks and Office of Finance have established and maintain an Office of Minority and Women Inclusion (OMWI) or designate and maintain an office to perform the responsibilities of the regulations under the direction of an officer who reports directly to either the Chief Executive Officer or the Chief Operating Officer. The Board of Directors at each entity ensures that the OMWI Officer and OMWI Office is adequately resourced to lead the organization’s diversity and inclusion (D&I) program design and implementation.

Each Federal Home Loan Bank is strongly committed to promoting diversity and ensuring the inclusion and utilization of women, minorities, individuals with disabilities, women-, minority-, disabled-owned businesses to support the business practices and mission of the FHLBanks in three ways:

Core Business

FHLBanks’ core business of acting as a source of low-cost financing to member financial institutions provides critical access to credit that is used to invest in local neighborhoods and businesses, create jobs and spur economic growth.

Public Mission

FHLBanks’ public mission of supporting housing finance and community investment places an important obligation on the banks to help address unmet housing needs of diverse, low- and moderate-income households, seniors, veterans and the disabled.


FHLBanks provide the liquidity that makes the financial system safer, stronger and more inclusive while helping to keep communities vibrant and growing