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Federal Home Loan Banks

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A key part of the U.S. housing finance system, providing liquidity to member institutions.

Last updated November 4, 2026

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Overview

The Federal Home Loan Bank System (FHLBanks) is a government-sponsored enterprise established by the Federal Home Loan Bank Act of 1932, consisting of 11 regional banks. They raise funds by issuing debt and provide loans to member institutions (such as commercial banks, credit unions, and insurance companies) to support housing finance and community development.

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government-sponsored enterprise

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