Federal Home Loan Bank (FHL banks, English: FHLBanks) are twelve regionally, genossenschaftliche mortgage banks active in the USA. Owners ("member owners") are altogether approximately 8100 financial establishment ions. Business purpose of the FHL banks is the refinancing of mortgage credits of their institutes for member. The means for this procure themselves it at the capital market by emission of common loans over it Office OF Finance.
The "FHLB system" was created 1932 from congress of US to the development of favorable Finanzierungsquellen for private dwelling. The FHL banks has the status of government sponsored enterprises (GSE), has however not an express government guarantee. As state near institutes receive the FHL banks nevertheless from the Ratingagenturen the optimum soil quality evaluations.
Supervisory authority of the FHL banks is the Federal housing Finance board (FHFB). The US Treasury demands to subordinate all mortgage banks with GSE status (Fannie Mae, Freddie Mac and the FHL banks) to a common supervisory authority.
As not quoted enterprises the FHL banks is not subject to the report obligations of the US supervision by the stock exchange committee authority SECONDS. A freiwillige registration at the SECOND is at present discussed.
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