This presentation is the Mortgage Banking Association’s (MBA) giving brief of a study carried out by its designated team for reform of Government Sponsored Enterprises (GSE), namely Fannie Mae and Freddie Mac for attaining affordable housing goals and the “duty” to provide mortgage financing. The efforts of mortgage association is to establish the “duty to serve” as a nebulous concept that codifies the idea that the GSEs (and lenders) have a “duty” to provide mortgage financing to the entire market.