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Federal Home Loan Bank System (FHLB)

What is 'Federal Home Loan Bank System - FHLB'

An organization created by the Federal Home Loan Bank Act of 1932 to increase the amount of funds available for lending institutions who provide mortgages and similar loan agreements to individuals. This system was created in response to the depressive economic conditions of the era, which had impaired the U.S. banking system.

Also referred to as the "FHL Bank System".

Explaining 'Federal Home Loan Bank System - FHLB'

Having served its original objectives well, the FHLB system now primarily focuses on increasing the amount of loanable funds available for affordable housing and community development projects. It continues to have a material impact on housing and development financing, offering funds to member institutions at rates that are usually lower than commercially competitive prices.


Further Reading


The Federal Home Loan Bank System: The Lender of Next‐to‐Last Resort?
onlinelibrary.wiley.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

Federal Home Loan Bank Advances and Commercial Bank Portfolio CompositionFederal Home Loan Bank Advances and Commercial Bank Portfolio Composition
papers.ssrn.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

Should the FDIC worry about the FHLB? The impact of Federal Home Loan Bank advances on the Bank Insurance FundShould the FDIC worry about the FHLB? The impact of Federal Home Loan Bank advances on the Bank Insurance Fund
papers.ssrn.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

Federal Home Loan Bank mortgage purchases: Implications for mortgage marketsFederal Home Loan Bank mortgage purchases: Implications for mortgage markets
search.proquest.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

Federal home loan bank advances and commercial bank portfolio compositionFederal home loan bank advances and commercial bank portfolio composition
onlinelibrary.wiley.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

10 The Federal Home Loan Bank System: Current Issues in Perspective10 The Federal Home Loan Bank System: Current Issues in Perspective
books.google.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

The increased role of the federal home loan bank system in funding markets, part 1: BackgroundThe increased role of the federal home loan bank system in funding markets, part 1: Background
ideas.repec.org [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

The increased role of the federal home loan bank system in funding markets, part 3: Implications for financial stabilityThe increased role of the federal home loan bank system in funding markets, part 3: Implications for financial stability
ideas.repec.org [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …

The Federal Home Loan Bank System: Cause or Cure for Disintermediation?The Federal Home Loan Bank System: Cause or Cure for Disintermediation?
www.sciencedirect.com [PDF]
… Federally guaranteed firms, by contrast, do not benefit from this market discipline, through which outsiders' concerns about such errors of … Table 1 Federal Home Loan Bank System Combined Balance Sheet as of March 31, 2006 … Source: Federal Housing Finance Board Page 7 …



Q&A About Federal Home Loan Bank System (FHLB)


How are members selected into the FHLB system?

Members are selected based on their size, location, and financial health.

What is the Federal Home Loan Bank System?

The Federal Home Loan Bank System (FHLB) is an organization created by the Federal Home Loan Bank Act of 1932 to increase the amount of funds available for lending institutions who provide mortgages and similar loan agreements to individuals.

What does FHLB stand for?

FHLB stands for "Federal Home Loan Bank".

When was this system created?

In 1932 during the Great Depression.

How do members access funds from FHLBs?

Members can access funds through loans or lines of credit.

Why would a member want to borrow money from an FHLB instead of other banks or lenders?

Because they offer lower interest rates than most other lenders and banks that are not part of the FHLB system.

Where can you find information about each individual bank in this system's network across all 50 states in America ?

You can find information about each individual bank in this system's network across all 50 states in America here .

Who was responsible for creating this system?

The Federal Home Loan Bank Act of 1932.

What does it mean when FHLB refers to a member institution as being "insured"?

A member institution is insured if they have been approved by the government.

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