The Center for Responsible Lending and the undersigned consumer, civil rights, and community organizations would like to thank you for the opportunity to submit comments on the Federal Housing Finance Agency’s (FHFA) proposed rule setting the 2018-2020 Affordable Housing Goals for Fannie Mae and Freddie Mac (“Enterprises”). We appreciate FHFA’s efforts to improve strategies to ensure those from lower wealth communities have access to the market and homeownership. While we support the FHFA’s efforts, we believe that the tests proposed would set unnecessarily low goal standards and would not be effective at reaching higher percentages of groups seeking access to homeownership.