Council of Federal Home Loan Banks

The Federal Home Loan Banks (FHLBanks) comprise a system of 11 regionally based, wholesale suppliers of lendable funds to financial institutions across all 50 states and U.S. territories. Established by the Federal Home Loan Bank Act of 1932 as a government-sponsored enterprise, the FHLBanks are cooperatively owned by their member financial institutions, which include community banks, credit unions, commercial and savings banks, insurance companies, and community development financial institutions.

Their core mission is to provide reliable liquidity to these member institutions, thereby supporting housing finance, local jobs, and economic growth within communities nationwide. The FHLBanks serve as a crucial source of stability in the U.S. financial system, often acting as financial first responders during market crises by ensuring continuous access to capital for their members.

The Council of Federal Home Loan Banks serves as the collective voice for the entire FHLBank System. This Council engages with policymakers, regulators, and the financial services industry in Washington, D.C., to advocate for policies that enable the FHLBanks to effectively meet the critical needs of their members and the communities they serve.