Annual Report - Report for the Year Ending 1948 home owners loan corporation federal savings and loa-2025

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The FHLB Grant is a homebuyer assistance program designed to help eligible families and individuals overcome barriers to homebuying. Unlike loans, grants typically are not repaid. Eligible homebuyers who use the grant will not be taking on additional debt.
The FHLBs mission is to provide reliable liquidity to its member institutions to support housing finance and community investment. While the FHLBs mission reflects a public purpose, all FHLBs are privately capi- talized and do not receive federal funding. The Federal Housing Finance Agency (FHFA) regulates the FHLBs.
The Federal Home Loan Bank Act of 1932 (FHLB Act; P.L. 72-304, 47 Stat. 128) created the Federal Home Loan Bank (FHLB) system, which was established to address frequent liquidity shortfalls, or cash flow disruptions, experienced by mortgage lenders during the Great Depression.
The FHLBank System was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and community investment. The System consists of 11 regional FHLBanks, the Office of Finance, and the Council of Federal Home Loan Banks.
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