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The Federal Housing Finance Agency (FHFA) is an independent federal agency created as the successor regulatory agency resulting from the statutory merger 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,〔FHFA. (About FHFA ).〕 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.〔 〕〔 〕〔 〕 In its role as regulator, it regulates Fannie Mae, Freddie Mac, and the 12 Federal Home Loan Banks (FHLBanks, or FHLBank System). It is wholly separate from the Federal Housing Administration, which largely provides mortgage insurance. ==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 All existing regulations, orders and decisions of OFHEO and the Finance Board remain in effect until modified or superseded.〔 HR 3221, signed into law as Public Law 110-289: ''A bill to provide needed housing reform and for other purposes.''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. ) White House pre-signing statement: (Statement of Administration Policy: H.R. 3221 – Housing and Economic Recovery Act of 2008 ) (July 23, 2008). Executive office of the President, Office of Management and Budget, Washington DC.〕 On the day of the law's signing, former Director James Lockhart stated:〔 〕 "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.〔 (FHFA “Notice of establishment sent to the Fdderal Register ). (Press Release) (September 4. 2008) Federal Housing Finance Agency. (Summarizing the Federal Register transmittal.) 〕〔 (Establishment of a new independent agency ) Federal Housing Finance Agency. (August 30, 2008). (Signed by James B. Lockhart III, Director, FHFA) -- The notice as transmitted to the Federal Register. 〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Federal Housing Finance Agency」の詳細全文を読む スポンサード リンク
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