Enforcement / FHFA suspensions
Under its Suspended Counterparty Program, FHFA bars people and companies with covered misconduct from doing business with Fannie Mae, Freddie Mac and the Federal Home Loan Banks.
Every accepted FHFA suspension order, by its effective date.
Suspensions per year
2026 is year to date and drawn lighter.
| Year | Suspensions |
|---|---|
| 2013 | 1 |
| 2014 | 0 |
| 2015 | 3 |
| 2016 | 10 |
| 2017 | 23 |
| 2018 | 18 |
| 2019 | 27 |
| 2020 | 5 |
| 2021 | 9 |
| 2022 | 38 |
| 2023 | 35 |
| 2024 | 21 |
| 2025 | 14 |
| 2026 (to date) | 89 |
Suspensions per month · last 24 months
The busiest month was October 2026, with 24. November 2026 is month to date.
| Month | Suspensions |
|---|---|
| Dec 2024 | 0 |
| Jan 2025 | 0 |
| Feb 2025 | 0 |
| Mar 2025 | 0 |
| Apr 2025 | 0 |
| May 2025 | 0 |
| Jun 2025 | 0 |
| Jul 2025 | 0 |
| Aug 2025 | 1 |
| Sep 2025 | 0 |
| Oct 2025 | 7 |
| Nov 2025 | 0 |
| Dec 2025 | 6 |
| Jan 2026 | 0 |
| Feb 2026 | 7 |
| Mar 2026 | 8 |
| Apr 2026 | 1 |
| May 2026 | 4 |
| Jun 2026 | 4 |
| Jul 2026 | 16 |
| Aug 2026 | 12 |
| Sep 2026 | 12 |
| Oct 2026 | 24 |
| Nov 2026 (to date) | 1 |
2026 to date against 2022–2025, as shares of classified orders.
Schemes
Share of classified orders citing each, 2026 to date against 2022–2025. An order can cite more than one, so shares add up to more than 100%.
The other 14 schemes are in the table view.
Based on 89 of 89 suspensions in 2026 classified so far, and 107 of 108 in 2022–2025.
| Schemes | 2026 to date (orders) | 2026 to date (share) | 2022–2025 (orders) | 2022–2025 (share) | Change |
|---|---|---|---|---|---|
| False income, assets or employment | 32 | 36% | 21 | 20% | +16 pts |
| Falsified or forged loan documents | 29 | 33% | 35 | 33% | No change |
| Credit-repair fraud | 15 | 17% | 0 | 0% | +17 pts |
| Straw buyers or nominees | 11 | 12% | 8 | 7% | +5 pts |
| Business or SBA loan fraud | 11 | 12% | 6 | 6% | +6 pts |
| Loan-modification or foreclosure-rescue scam | 11 | 12% | 4 | 4% | +8 pts |
| Pandemic-relief (PPP/EIDL) fraud | 7 | 8% | 9 | 8% | No change |
| Down-payment, gift or seller-credit fraud | 7 | 8% | 6 | 6% | +2 pts |
| Identity theft or synthetic identities | 6 | 7% | 22 | 21% | −14 pts |
| Embezzlement or misappropriation | 6 | 7% | 7 | 7% | No change |
| Escrow or closing-funds theft | 6 | 7% | 4 | 4% | +3 pts |
| Bank insider lending fraud | 6 | 7% | 4 | 4% | +3 pts |
| Commercial or multifamily loan fraud | 5 | 6% | 15 | 14% | −8 pts |
| Home-equity or HELOC fraud | 5 | 6% | 0 | 0% | +6 pts |
| Money laundering | 3 | 3% | 11 | 10% | −7 pts |
| Other fraud | 3 | 3% | 6 | 6% | −3 pts |
| Occupancy fraud | 3 | 3% | 3 | 3% | No change |
| Deed or title theft | 2 | 2% | 14 | 13% | −11 pts |
| Inflated appraisals or property flipping | 1 | 1% | 12 | 11% | −10 pts |
| Investor fraud | 1 | 1% | 7 | 7% | −6 pts |
| Payment or wire diversion | 1 | 1% | 5 | 5% | −4 pts |
| Short-sale fraud | 1 | 1% | 4 | 4% | −3 pts |
| Vendor or invoice fraud | 1 | 1% | 1 | 1% | No change |
| Reverse-mortgage (HECM) fraud | 0 | 0% | 2 | 2% | −2 pts |
Roles
Share of classified orders citing each, 2026 to date against 2022–2025. An order can cite more than one, so shares add up to more than 100%.
The other 4 roles are in the table view.
Based on 89 of 89 suspensions in 2026 classified so far, and 107 of 108 in 2022–2025.
| Roles | 2026 to date (orders) | 2026 to date (share) | 2022–2025 (orders) | 2022–2025 (share) | Change |
|---|---|---|---|---|---|
| Credit-repair or loan consultant | 19 | 21% | 6 | 6% | +15 pts |
| Company (the respondent is an organization) | 14 | 16% | 17 | 16% | No change |
| Borrower or straw buyer | 13 | 15% | 11 | 10% | +5 pts |
| Other role | 13 | 15% | 8 | 7% | +8 pts |
| Bank officer or insider | 11 | 12% | 10 | 9% | +3 pts |
| Loan officer / originator | 8 | 9% | 10 | 9% | No change |
| Builder, developer or investor | 7 | 8% | 20 | 19% | −11 pts |
| Real estate agent or broker | 6 | 7% | 12 | 11% | −4 pts |
| Attorney | 6 | 7% | 1 | 1% | +6 pts |
| Title, escrow or closing agent | 5 | 6% | 6 | 6% | No change |
| Mortgage broker or company owner/executive | 3 | 3% | 8 | 7% | −4 pts |
| Notary | 3 | 3% | 0 | 0% | +3 pts |
| Appraiser | 0 | 0% | 2 | 2% | −2 pts |
| Servicer or loss-mitigation staff | 0 | 0% | 1 | 1% | −1 pt |
| Programs | 2026 | 2022–25 | Change |
|---|---|---|---|
| Not specified | 44% | 38% | +6 pts |
| Fannie Mae / Freddie Mac | 11% | 7% | +4 pts |
| Commercial / multifamily | 7% | 13% | −6 pts |
| FHA | 6% | 5% | +1 pt |
| HELOC / home equity | 6% | 0% | +6 pts |
| Federal Home Loan Bank | 0% | 5% | −5 pts |
Based on 89 of 89 suspensions in 2026 classified so far, and 107 of 108 in 2022–2025.
The largest loss, restitution or fraudulent-loan figure each order states, as shares of the orders that state one.
| Loss or restitution | 2026 | 2022–25 | Change |
|---|---|---|---|
| Under $100K | 10% | 38% | −28 pts |
| $100K-$1M | 45% | 15% | +30 pts |
| $1M-$10M | 37% | 38% | −1 pt |
| Over $10M | 7% | 8% | −1 pt |
Stated in 67 of 89 classified orders in 2026 to date, and in 13 of 107 in 2022–2025.
Based on 89 of 89 suspensions in 2026 classified so far, and 107 of 108 in 2022–2025.
| Basis for the suspension | 2026 | 2022–25 | Change |
|---|---|---|---|
| Criminal conviction | 91% | 96% | −5 pts |
| Conviction and administrative sanction | 6% | 4% | +2 pts |
| Administrative sanction | 3% | 0% | +3 pts |
Based on 89 of 89 suspensions in 2026 classified so far, and 107 of 108 in 2022–2025.
Orders in the last 24 months that share a case, or that FHFA issued on the same day for the same federal district.
FHFA’s regulated entities, Fannie Mae, Freddie Mac and the Federal Home Loan Banks, may not do business with a suspended party while the suspension lasts.
This is a summary of public orders, not legal advice. FHFA’s Suspended Counterparty Program list is the authoritative source.