{"abstract":"The Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) to establish a duty for the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, the Enterprises) to serve three specified underserved markets--manufactured housing, affordable housing preservation, and rural markets--to increase the liquidity of mortgage investments and improve the distribution of investment capital available for mortgage financing for very low-, low- , and moderate-income families in those markets. The Federal Housing Finance Agency (FHFA) is issuing and seeking comments on a proposed rule that would provide Duty to Serve credit for eligible Enterprise activities that facilitate a secondary market for mortgages related to: Manufactured homes titled as real property; blanket loans for certain categories of manufactured housing communities; preserving the affordability of housing for renters and homebuyers; and housing in rural markets. The proposed rule would establish a method for evaluating and rating the Enterprises' compliance with the Duty to Serve each underserved market.","action":"Notice of proposed rulemaking; request for comments.","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2015/12/18/2015-31811.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1282,"title":12}],"citation":"80 FR 79182","comment_url":null,"comments_close_on":"2016-03-17","correction_of":null,"corrections":[],"dates":"Written comments must be received on or before March 17, 2016.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2015-31811","effective_on":null,"end_page":79222,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2015/12/18/2015-31811.xml","html_url":"https://www.federalregister.gov/documents/2015/12/18/2015-31811/enterprise-duty-to-serve-underserved-markets","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2015-31811?publication_date=2015-12-18","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2015-12-18/2015-31811/mods.xml","not_received_for_publication":null,"page_length":41,"page_views":{"count":1027,"last_updated":"2026-08-23 18:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-12-18/pdf/2015-31811.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-31811.pdf?1450359973","publication_date":"2015-12-18","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2015/12/18/2015-31811.txt","regulation_id_number_info":{"2590-AA27":{"issue":"201610","html_url":"https://www.federalregister.gov/regulations/2590-AA27/enterprise-duty-to-serve-underserved-markets-","title":"Enterprise Duty To Serve Underserved Markets ","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201610&RIN=2590-AA27&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["2590-AA27"],"regulations_dot_gov_info":{"comments_count":0,"agency_id":"FHFA","document_id":"FHFA-2015-0026-0001","checked_regulationsdotgov_at":"2023-03-01T06:11:40Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":79182,"subtype":null,"title":"Enterprise Duty To Serve Underserved Markets","toc_doc":"Enterprise Duty to Serve Underserved Markets","toc_subject":null,"topics":["Mortgages","Reporting and recordkeeping requirements"],"type":"Proposed Rule","volume":80}