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The Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, have implemented similar policies for borrowers facing COVID-19 hardships, pursuant to the Federal Housing Finance Agency’s (FHFA) Servicing Alignment Initiative, but with some variation.48 The GSEs do not vary in terms of the basic options available, but they have some different rules regarding access to relief.


  • 48 For a discussion on Federal Housing Finance Agency (FHFA) conservatorship, see § 7.1, supra.