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Research & Analysis

FHLB System Reform Resources

A collection of reports, blogs, and papers about the Federal Home Loan Bank System and its role in supporting housing and community development.

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Media Contact

In the News

FHLB Reform in the Media

A collection of articles and news clips about the FHLB System, its impact, and the need for reform.

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Advocacy

FHLB System Reform Comment Letters

A list of comment letters written by the Coalition and the organizational members about FHLB reform to the Federal Housing Finance Agency (FHFA). The letters highlight opportunities for reform that the FHLBs' regulator, the FHFA, has the authority to enact.

Our Advocacy

Calling on Congress and the FHFA to Reform the FHLBs

We champion legislative and regulatory reform focusing on: increasing direct contributions to affordable housing, promoting empirical transparency across all eleven regional district banks, realigning liquidity oversight with public policy, and enhancing accountability to community development needs.

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a large building with steps leading up to it
a large building with steps leading up to it
Core Research Streams

Key Areas of Focus

Our coalition delves into critical aspects of FHLB operations to ensure alignment with public-interest mandates.

Liquidity Oversight

Affordable Housing Ratios

Governance Reform

Tracking FHLB advances and capital allocation to ensure responsible liquidity management within the system.

Analyzing contribution ratios to realign the FHLB system with its original mission of supporting affordable housing.

Proposing actionable statutory amendments for congressional committees to enhance structural governance.

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Our team provides custom data analysis and expert briefings for legislative staff and policy researchers seeking in-depth FHLB insights.