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FHFA Reverses Insurance Rules, Aims to Lower Costs

3/19/2026

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Story summary
  • The Federal Housing Finance Agency (FHFA) reversed its replacement-cost homeowners insurance rules for Fannie Mae and Freddie Mac, allowing cheaper options.
  • The change follows backlash and aims to lower costs for families, especially in rural areas and condos, according to FHFA Director William J. Pulte.
  • Critics say the rollback bypasses climate risks and does not address the housing affordability crisis.