The Federal Home Loan Bank System (FHLBank System) is federally created to ensure liquidity for qualified thrift lenders, aiming to support housing finance and community development.
The Federal Home Loan Bank System (FHLB) is a group of regional banks across the United States that provide financial products and services to help local lenders provide housing finance, economic development, and community investment.
A Qualified Thrift Lender (QTL) is a financial institution that specializes in home mortgage finance and is required to hold a significant portion of its portfolio in residential mortgage loans or mortgage-backed securities, as per the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA).
