国会预算办公室：2025年了解CBO对房利美和房地美潜在变化的预算处理的七件事报告（英文版）

Fannie Mae and Freddie Mac were chartered in 1938 and 1970, respectively, as government-sponsored enterprises (GSEs) to ensure a stable supply of credit for mortgages nationwide. Government-sponsored enterprises are private companies created by federal law to fulfill a specific purpose. In the case of Fannie Mae and Freddie Mac, that purpose is to facilitate the flow of funding for home loans by purchasing mortgages from lenders, pooling them into mortgage-backed securities (MBSs), and sellin