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The Significant Role of the FHL Banks in Affordable Lending

  • Broadcast in Real Estate
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  • The FHLB is a cooperative – its customers are limited to its share-holders – they are banks, S&Ls, credit unions, insurance companies and CDFIs
  • FHLB directors do NOT have a duty to maximize shareholder profits
  • FHLB mission is to provide liquidity and low cost loans to its members
  • Currently the Congress & the Administration have not made decisions as to what changes will occur in the future
  • It is important that real estate professionals make it known that large banks are the mortgage lenders and need access to the FHLBs to facilitate low cost mortgage credit to homebuyers

Lawrence Parks

Senior VP of External and Legislative Affairs Federal Home Loan Bank of San Francisco

Email: Parksl@fhlbsf.com Office: (202) 872-0223