Federal Housing Finance Agency

Federal Housing Finance Agency
Seal
Agency overview
FormedJuly 30, 2008 (2008-07-30)[1]
Preceding agencies
Employees~731 (2019)
Agency executive
Websitefhfa.gov

The Federal Housing Finance Agency (FHFA) is an independent federal agency in the United States created as the successor regulatory agency of the Federal Housing Finance Board (FHFB), the Office of Federal Housing Enterprise Oversight (OFHEO), and the U.S. Department of Housing and Urban Development government-sponsored enterprise mission team,[3] absorbing the powers and regulatory authority of both entities, with expanded legal and regulatory authority, including the ability to place government-sponsored enterprises (GSEs) into receivership or conservatorship.[4][5][6]

In its role as regulator, it regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks (FHLBanks, or FHLBank System). It is wholly separate from the Federal Housing Administration, which largely provides mortgage insurance.

In September 2019, the Fifth Circuit Court of Appeals, in an en banc opinion, ruled that the structure of the FHFA violated constitutional separation of powers because its director could not be removed by the president.[7] The U.S. Supreme Court affirmed that part of the holding.[8]

History

The law establishing the FHFA is the Federal Housing Finance Regulatory Reform Act of 2008, which is Division A of the larger Housing and Economic Recovery Act of 2008, Public Law 110-289, signed on July 30, 2008 by President George W. Bush. One year after the law was signed, the OFHEO and the FHFB went out of existence. All existing regulations, orders and decisions of OFHEO and the Finance Board remain in effect until modified or superseded.[9]

On the day of the law's signing, former Director James Lockhart stated:[10]

For more than two years as Director of OFHEO I have worked to help create FHFA so that this new GSE regulator has far greater authorities than its predecessors. As Director of FHFA, I commit that we will use these authorities to ensure that the housing GSEs provide stability and liquidity to the mortgage market, support affordable housing and operate safely and soundly.

FHFA director Lockhart transmitted a "notice of establishment," for publication in the Federal Register on September 4, 2008. The notice formally announced the agency's existence and authority to act.[11][12]

Conservatorships

Main article: Federal takeover of Fannie Mae and Freddie Mac

On September 7, 2008, FHFA director Lockhart announced he had put Fannie Mae and Freddie Mac under the conservatorship of the FHFA.[13] The action was "one of the most sweeping government interventions in private financial markets in decades".[14] U.S. Treasury Secretary Henry M. Paulson, appearing at the same press conference, stated that placing the two GSEs into conservatorship was a decision he fully supported, and said that he advised "that conservatorship was the only form in which I would commit taxpayer money to the GSEs." He further said that "I attribute the need for today's action primarily to the inherent conflict and flawed business model embedded in the GSE structure, and to the ongoing housing correction."[15]

In the announcement, Lockhart indicated the following items in the plan of action for the conservatorship:

  1. On September 8, 2008, the first day of the conservatorship, business will be conducted normally, with stronger backing for the holders of Mortgage Backed Securities (MBS), senior debt and subordinated debt.
  2. The Enterprises will be allowed to grow their guarantee MBS books without limits and continue to purchase replacement securities for their portfolios, about $20 billion per month, without capital constraints.
  3. As the conservator, the FHFA will assume the power of the Board and management.
  4. The present CEOs have been dismissed, but will stay on to help with the transition.
  5. Appointed as CEOs are Herb Allison, for Fannie Mae and David M. Moffett for Freddie Mac. Allison is former Vice Chairman of Merrill Lynch and for the last eight years chairman of TIAA-CREF. Moffett is the former Vice Chairman and CFO of US Bancorp. Their compensation will be significantly lower than the outgoing CEOs. They will be joined by equally strong non-executive chairmen.
  6. Other management action will be very limited. The new CEOs agreed it is important to work with the current management teams and employees to encourage them to stay and to continue to make important improvements to the Enterprises.
  7. To conserve over $2 billion annually in capital the common stock and preferred stock dividends will be eliminated, but the common and all preferred stocks will continue to remain outstanding. Subordinated debt interest and principal payments will continue to be made.
  8. All political activities, including all lobbying, will be halted immediately. Charitable activities will be reviewed.
  9. There will be financing and investing relationship with the U.S. Treasury via three different financing facilities, to provide critically needed support to Freddie Mac and Fannie Mae and the liquidity of the mortgage market. One of the three facilities is a secured liquidity facility which will be not only for Fannie Mae and Freddie Mac, and also for the 12 Federal Home Loan Banks that FHFA also regulates.

Suits against financial institutions

The FHFA in 2011 filed suit first against UBS[16] then against 17 other financial institutions[17][18] accusing them of misrepresenting about $200 billion in mortgage-backed securities sold to Fannie Mae and Freddie Mac. The suits, some of which name individual defendants,[19] allege a variety of violations of federal securities law and common law[18][20] and paint "a damning portrait of the excesses of the housing bubble."[18] The suits seek a variety of damages and civil penalties. UBS Agrees to Pay $1.435 Billion to Resolve Claims That It Made Misrepresentations in the Sale of Residential Mortgage-Backed Securities[21]

FHFA settlements for fraudulent sales by PLS to Fannie Mae and Freddie Mac

The Federal Housing Finance Agency initiated litigation against 18 financial institutions involving allegations of securities law violations and, in some instances, fraud in the sale of private-label securities (PLS) to Fannie Mae and Freddie Mac.

Below is a list of the cases, with amounts of any settlements reached in 2013 and 2014.[22][23] [24]

General Electric Company $6.25 million[25]
CitiGroup Inc. $250 million
UBS Americas, Inc. (Union Bank of Switzerland) $885 million
J.P. Morgan Chase & Co. $4 billion[26]
Deutsche Bank AG $1.925 billion
Ally Financial, Inc. $475 million
Morgan Stanley $1.25 billion
SG Americas (Societe Generale) $122 million
Credit Suisse Holdings (USA) Inc. $885 million
Bank of America Corp.[27]
Merrill Lynch & Co.[27]
Countrywide Financial Corporation $5.83 billion[27]
Barclays Bank PLC $280 million
First Horizon National Corp. $110 million
RBS Securities, Inc. (in Ally action) $99.5 million[28]
Goldman Sachs & Co. $1.2 billion[29]
HSBC North America Holdings, Inc. (Hong Kong Shanghai Banking Corp.) $550 million

Non-Litigation PLS Settlements Wells Fargo Bank, N.A. $335.23 million[30]

Leadership

Upon Lockhart's departure, Edward DeMarco was appointed Acting Director of FHFA on August 25, 2009.[31]

On May 1, 2013, President Barack Obama nominated Mel Watt as the next FHFA head.[32][33] After Democrats eliminated rules allowing filibusters on executive branch nominations, the U.S. Senate confirmed Watt on December 10, 2013.[34]

On December 21, 2018, President Donald Trump designated Comptroller of the currency Joseph Otting to be Acting Director of FHFA upon completion of Director Watt's term, effective January 7, 2019.[35]

In April 2019, Mark A. Calabria was confirmed to a five year term as director.[36] At the time of his confirmation, the chair of the Senate Banking Committee said that Calabria had committed to working with the Senate toward ending the conservatorship over Fannie Mae and Freddie Mac.[36]

In the Supreme Court case Collins v. Yellen, the Supreme Court ruled that, as they had in Seila Law LLC v. Consumer Financial Protection Bureau for the Consumer Financial Protection Bureau, that the inability for the President to terminate the FHFA director beyond "for cause" was unconstitutional, but otherwise left the agency's power as is.[37] President Biden replaced Calabria with Sandra L. Thompson as Acting Director, who is expected to end Calabria's policy of phasing out the conservatorship.[38][39]

Inspector General

Brian M. Tomney was nominated by President Joe Biden and confirmed by the U.S. Senate to serve as Inspector General for the Federal Housing Finance Agency. Sworn into office on March 14, 2022, Tomney is the third Senate confirmed Inspector General for FHFA.

Laura S. Wertheimer was nominated as Inspector General of the Federal Housing Finance Agency by President Barack Obama and confirmed by the U.S. Senate on September 17, 2015. On June 29, 2021, Wertheimer announced she would be leaving the position on July 30, 2021.[40] This followed calls from Republican Senators Chuck Grassley and Ron Johnson for her removal in the preceding weeks,[41] and a critical CIGIE report released on April 29, 2021.[42]

See also

References

  1. ^ Housing and Economic Recovery Act of 2008 Archived 2013-10-19 at the Wayback Machine (PDF)
  2. ^ "Leadership and Organization". Federal Housing Finance Agency. June 21, 2022. Archived from the original on August 31, 2022. Retrieved June 30, 2022.
  3. ^ FHFA. About FHFA Archived 2010-06-11 at the Wayback Machine.
  4. ^ Housing and Economic Recovery Act of 2008
  5. ^ "10-Q, August 6, 2008". Freddie Mac. 2008-08-06. Archived from the original on January 16, 2013. Retrieved September 7, 2008. The Regulatory Reform Act replaces the conservatorship provisions previously applicable to the enterprise with conservatorship and receivership provisions based generally on federal banking law. The Regulatory Reform Act expands the grounds for which an enterprise may be placed into conservatorship, establishes the grounds for which an enterprise may be placed into receivership, and provides for appointment of FHFA as conservator or receiver.
  6. ^ "Fact Sheet: Questions and Answers on Conservatorship" (PDF). Federal Housing Finance Agency. 2008-09-07. Archived from the original (PDF) on September 9, 2008. Retrieved 2008-09-07.
  7. ^ "No. 17-20364" (PDF). Archived (PDF) from the original on 2020-07-19. Retrieved 2020-04-20.
  8. ^ "Supreme Court finds FHFA structure unconstitutional". Housing Wire. HW Media, LLC. 23 June 2021. Archived from the original on 23 June 2021. Retrieved June 23, 2021.
  9. ^ HR 3221, signed into law as Public Law 110-289: A bill to provide needed housing reform and for other purposes.
    Access to Legislative History: Library of Congress: A bill to provide needed housing reform and for other purposes. Archived 2008-09-18 at the Wayback Machine
    White House pre-signing statement: Statement of Administration Policy: H.R. 3221 – Housing and Economic Recovery Act of 2008 Archived 2020-11-30 at the Wayback Machine (July 23, 2008). Executive office of the President, Office of Management and Budget, Washington DC.
  10. ^ Lockhart, James B. (2008-07-30). "Statement of Director James B. Lockhart on the Creation of FHFA" (PDF). (Press Release). Federal Housing Finance Agency. Archived from the original (PDF) on September 16, 2008. Retrieved 2008-09-12.
  11. ^ FHFA "Notice of establishment sent to the Fdderal Register Archived 2008-09-09 at the Wayback Machine. (Press Release) (September 4. 2008) Federal Housing Finance Agency. (Summarizing the Federal Register transmittal.)
  12. ^ Establishment of a new independent agency Archived 2008-09-09 at the Wayback Machine Federal Housing Finance Agency. (August 30, 2008). (Signed by James B. Lockhart III, Director, FHFA) -- The notice as transmitted to the Federal Register.
  13. ^ "Treasury and Federal Housing Finance Agency Action to Protect Financial Markets and Taxpayers" (Press release). U.S. Dept of Treasury. September 7, 2008. Archived from the original on 2021-06-25. Retrieved 2021-06-25.
  14. ^ Goldfarb, Zachary A.; David Cho; Binyamin Appelbaum (2008-09-07). "Treasury to Rescue Fannie and Freddie: Regulators Seek to Keep Firms' Troubles From Setting Off Wave of Bank Failures". The Washington Post. pp. A01. Archived from the original on 2008-09-23. Retrieved 2008-09-07.
  15. ^ Paulson, Henry M. Jr. (2008-09-07). "Statement by Secretary Henry M. Paulson, Jr. on Treasury and Federal Housing Finance Agency Action to Protect Financial Markets and Taxpayers" (Press release). United States Department of the Treasury. Archived from the original on September 9, 2008. Retrieved 2008-09-07.
  16. ^ "FHFA Sues UBS to Recover Losses to Fannie Mae and Freddie Mac" (PDF) (Press release). FHFA. Jul 27, 2011. Archived from the original (PDF) on September 29, 2011. Retrieved Sep 6, 2011.
  17. ^ "FHFA Sues 17 Firms to Recover Losses to Fannie Mae and Freddie Mac" (PDF) (Press release). FHFA. Sep 2, 2011. Archived from the original (PDF) on September 29, 2011. Retrieved Sep 6, 2011.
  18. ^ a b c Schwartz, Nelson D.; Roose, Kevin (Sep 3, 2011). "Federal Regulators Sue Big Banks Over Mortgages". The New York Times. Archived from the original on December 20, 2011. Retrieved Sep 6, 2011.
  19. ^ Salmon, Felix (Sep 2, 2011). "The FHFA lawsuit league table". Felix Salmon Blog. Reuters. Archived from the original on October 17, 2011. Retrieved Sep 6, 2011.
  20. ^ Leonard, Andrew (Sep 6, 2011). "The bungled politics of bank bashing". Salon. Archived from the original on September 7, 2011. Retrieved Sep 6, 2011.
  21. ^ "Eastern District of New York | UBS Agrees to Pay $1.435 Billion to Resolve Claims That It Made Misrepresentations in the Sale of Residential Mortgage-Backed Securities | United States Department of Justice". www.justice.gov. 2023-08-14. Retrieved 2024-09-21.
  22. ^ FHFA [1] Archived 2015-03-22 at the Wayback Machine Press release
  23. ^ "FHFA lawsuits". Reuters. 4 December 2012. Archived from the original on 2022-04-08. Retrieved 2021-07-05.
  24. ^ Justice department [2] Archived 2020-10-28 at the Wayback Machine settlement agreement
  25. ^ "GE settles". 23 January 2013. Archived from the original on 2016-01-24. Retrieved 2015-06-15.
  26. ^ JP Morgan Chase settles [3] CNBC
  27. ^ a b c "Countrywide settles". Archived from the original on 2015-06-10. Retrieved 2015-06-15.
  28. ^ RBS nomura ruling [4] Archived 2018-10-10 at the Wayback Machine NY times
  29. ^ "Goldman settles". The Wall Street Journal. 22 August 2014. Archived from the original on 2017-07-14. Retrieved 2017-03-07.
  30. ^ Wells Fargo settlement [5] Archived 2016-01-24 at the Wayback Machine Wall street journal
  31. ^ "FHFA's DeMarco to be Replaced Early Next Year: WSJ". Mortgage Mews Daily. December 10, 2012. Archived from the original on December 19, 2013. Retrieved December 18, 2013.
  32. ^ Hopkins, Cheyenne; Benson, Clea (May 1, 2013). "Obama Said to Choose Watt to Lead Fannie Mae Regulator". Bloomberg. Archived from the original on 2017-03-12. Retrieved 2017-03-07.
  33. ^ Puzzanghera, Jim (May 1, 2013). "Obama to nominate Democratic Rep. Mel Watt to head housing agency". Los Angeles Times. Archived from the original on November 6, 2013. Retrieved December 18, 2013.
  34. ^ "Senate confirms Rep. Mel Watt as Fannie Mae, Freddie Mac regulator". Los Angeles Times. December 10, 2013. Archived from the original on December 18, 2013. Retrieved December 18, 2013.
  35. ^ President Trump Names Joseph M. Otting Acting Director of the Federal Housing Finance Agency Archived 2018-12-28 at the Wayback Machine. NR 2017-140. December 21, 2018
  36. ^ a b O'Donnell, Katy (April 4, 2019). "Senate confirms Calabria to lead housing finance overhaul". Politico. Archived from the original on 2022-08-31. Retrieved 2019-04-05.
  37. ^ "U.S. Supreme Court bolsters presidential power over housing finance agency". CNBC. June 23, 2021. Archived from the original on June 23, 2021. Retrieved June 23, 2021.
  38. ^ Stern, Mark Joseph (2021-06-24). "A Scheme to Blow Up the Housing Market Backfired Spectacularly at the Supreme Court". Slate. Archived from the original on 2021-06-25. Retrieved 2021-06-25.
  39. ^ Siegel, Rachel; Pager, Tyler; Barnes, Robert (June 23, 2021). "White House replaces regulator overseeing U.S. mortgage giants following Supreme Court ruling". The Washington Post. Archived from the original on 2021-06-23. Retrieved 2021-06-25.
  40. ^ "Embattled Housing Finance Agency IG Steps Down". Government Executive. Archived from the original on 1 July 2021. Retrieved 3 July 2021.
  41. ^ "Senators Call for Removal of FHFA Inspector General". Whistleblower Network News. 6 May 2021. Archived from the original on 25 June 2021. Retrieved 3 July 2021.
  42. ^ Swanson, Ian (28 April 2021). "Report finds federal housing agency official 'abused her authority'". The Hill. Archived from the original on 29 June 2021. Retrieved 3 July 2021.

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