Talk:Federal Home Loan Banks

United States: Government Low‑importance

	United States portal This article is within the scope of WikiProject United States, a collaborative effort to improve the coverage of topics relating to the United States of America on Wikipedia. If you would like to participate, please visit the project page, where you can join the ongoing discussions. Template Usage Articles Requested! Become a Member Project Talk Alerts United StatesWikipedia:WikiProject United StatesTemplate:WikiProject United StatesUnited States articles
Low	This article has been rated as Low-importance on the project's importance scale.
	This article is supported by WikiProject U.S. Government (assessed as Low-importance).

Finance & Investment Low‑importance

	This article is within the scope of WikiProject Finance & Investment, a collaborative effort to improve the coverage of articles related to Finance and Investment on Wikipedia. If you would like to participate, please visit the project page, where you can join the discussion and see a list of open tasks.Finance & InvestmentWikipedia:WikiProject Finance & InvestmentTemplate:WikiProject Finance & InvestmentFinance & Investment articles
Low	This article has been rated as Low-importance on the project's importance scale.

Government's Role[edit]

I don't get what the government's role in FHLBs is. Why do these institutions loan? what is the purpose of the organization?--Chinawhitecotton 03:57, 21 November 2005 (UTC)[reply]

no answer yet? i guess it's always hard to explain the rationale for implicit government subsidization of banks. 209.195.93.249 (talk) 04:09, 22 January 2010 (UTC)[reply]

The government's role is to regulate the FHLBs (primarily through the Federal Housing Finance Agency). The original and on-going mission of the FHLB's is to provide low cost funding for member institutions (community banks, thrifts, credit unions, etc.). These member institutions in turn can provide products for community investment, such as housing in the form of mortgages, grants which assist affordable housing and other local community investments. For more information of the roles and services provided, see the external links.

Note that the FHLBs are organized as private cooperatives (GSE status is for its public mission) and therefore are wholly funded by their member institutions who purchase stock to become a member (FHLBs have NEVER received government funds). Because FHLB stocks are not publicly traded (they always maintain their par value), there is never incentive to manipulate reportable income in order to inflate stock value (a motive that existed for both Fannie Mae and Freddie Mac, whose stock was publicly traded and whose executive compensation was tied to stock performance).

Although any sized institution can be a member of an FHLB, most member institutions that utilize the FHLBs are small local community banks. Honest Abe 1 (talk) 17:15, 10 March 2010 (UTC)[reply]

FHLB Community Partnership Award[edit]

Is this the group, the Federal Home Loan Banks, that administers this award? There's no mention of it in the article. In her obituary, it says a friend was a 1999 recipient; I was trying to find more information about it. Searching the 'Net, there are many mentions of FHLB Dallas Community Partnership Awards, but I don't see why my friend, a northeasterner, would be getting an award administered by Dallas banks. Thanks for your help, Wordreader (talk) 00:00, 22 March 2013 (UTC)[reply]

Edit map[edit]

I have no talents for image editing, but if someone could please edit the map at the top of the article to show that FHLB Des Moines is now responsible for the now-merged FHLB Seattle's territory, it would be appreciated. SS451 (talk) 03:26, 16 August 2015 (UTC)[reply]

Invitation to US Housing Edit-a-thon[edit]

Please join us on 13 December 2020, 12:00-14:00 EST, as we update and improve articles in Wikipedia related to housing in the United States of America. Sign up here. -- M2545 (talk) 10:15, 12 December 2020 (UTC)[reply]

A critical voice[edit]

https://thehill.com/opinion/finance/3750121-the-great-american-homewashing-is-happening-under-our-noses/

Someone posted this on Hacker News. May be of interest for this Lemma. Heronils (talk) 03:17, 28 November 2022 (UTC)[reply]