Home / News & Resources
Policy Brief: FHFA Report Shows FHLBanks Deliver on Housing and Community Development Mission
FHFA's Targeted Mission Activities report demonstrates that after 94 years the FHLBanks continue to fulfill and expand upon their congressionally established mission
Policy Brief: Looking Beyond HMDA – Why Mortgage Reporting Data Does Not Tell the Full Story About FHLBank Members and Housing Finance
The FHLBanks' connection to housing finance extends well beyond the mortgages reported under HMDA. Many community lenders that are FHLBank members originate mortgage loans that meet customer and local market needs but do not originate mortgages at volumes that trigger HMDA reporting thresholds.
Policy Brief: Liquidity Drives The FHLBanks’ Mission
Congress created the FHLBank System in 1932 to serve as a stable source of liquidity for member financial institutions through changing economic conditions. The System fulfills this mission primarily through advances – fully collateralized loans provided by the FHLBanks to member institutions.
Policy Brief: The Federal Home Loan Banks Are Delivering on their Mission – Now Is Not the Time to Break What Works
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, increases lending, and supports communities across the country. The evidence is clear—and increasingly hard to ignore. A November 2025 report […]
Policy Brief: The Federal Home Loan Banks Are Delivering on their Mission – Now Is Not the Time to Break What Works
Assertions that the FHLBanks have somehow strayed from their mission often rest on an unduly narrow understanding of what that mission is. The mission of the FHLBank System is not self-defined; it is established by Congress. Since 1932, Congress has affirmed and reaffirmed the System’s core role as a provider of liquidity to member institutions, reflecting the longstanding view that stable and reliable funding is essential to a well-functioning housing finance system.
Policy Brief: As Designed, The FHLBanks Execute Their Mission Day-In and Day-Out
The FHLBank System supports the full spectrum of housing finance with liquidity flowing to large multifamily developments, smaller “missing middle” 5- to 49-unit developments, and single-family homes. Forcing a shift away from their core liquidity function would be a substitution with real opportunity costs, including reduced liquidity and stability for members during periods of market stress.
Policy Brief: Prudent Management Enables FHLBank Support for Members and Communities
The FHLBanks continued to deliver access to reliable liquidity in 2025 that has been a hallmark of the System for nearly 94 years
Policy Brief: ABA Survey Shows FHLBanks are Critical Partners in Community Bank Liquidity and Stability
ABA member survey demonstrates critical link between FHLBank liquidity and bank members.