FHFA Final Rule; Repeal of 12 CFR part 1293: Fair Lending, Fair Housing, and Equitable Housing Finance Plans

February 10, 2026 / Source: Federal Housing Finance Agency

Final rule; repeal of 12 CFR part 1293.

The Federal Housing Finance Agency (“FHFA” or the “Agency”) is issuing this final rule to repeal the Fair Lending, Fair Housing, and Equitable Housing Finance Plans regulation (“part 1293”). After considering public comments received in response to the proposed rule FHFA published on July 28, 2025, this final rule adopts the proposed rule without change.

After considering the comments received in light of the bases for FHFA’s decision to repeal part 1293, FHFA has determined to adopt the proposed rule without change: that is to say, this final rule repeals part 1293 in its entirety. Repeal does not change statutory requirements for the regulated entities to comply with applicable fair lending and fair housing laws, such as the Fair Housing Act, Equal Credit Opportunity Act (“ECOA”), the fair housing provisions of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended (Safety and Soundness Act), and the prohibitions on Unfair or Deceptive Acts or Practices (“UDAP”) under the Federal Trade Commission (“FTC”) Act;  and does not change Enterprise or Bank obligations to meet statutory and regulatory affordable housing goals, the Enterprises’ statutory duty to serve underserved communities, or the Enterprises’ statutory obligations to provide funding to the affordable housing funds. Likewise, repeal does not diminish FHFA’s duty, or its commitment, to ensure by appropriate means that the Enterprises and the Banks carry out their statutory missions through activities that are consistent with the Safety and Soundness Act, the authorizing statutes, and the public interest.

The rule is effective March 9, 2026.