أنشأ الكونغرس الرابطة الفدرالية الوطنية للرهن العقاري “فاني ماي” في عام 1938 ومؤسسة رهن المنازل العقارية الفدرالية “فريدي ماك” في عام 1970. لسنوات عديدة، تابعت هاتين المؤسستين بحكمة مهمتهما الأساسية المتمثلة في دعم توفير الائتمان لقطاع الإسكان.

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