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Duty to Serve: Areas of Concentrated Poverty Data

Published by Federal Housing Finance Agency | Federal Housing Finance Agency | Metadata Last Checked: June 25, 2025 | Last Modified: 2025-02-11T16:30:18.233Z
FHFA’s Duty to Serve regulation defines residential economic diversity to include activities that support financing of mortgages in areas of concentrated poverty.  Areas of concentrated poverty for purposes of Duty to Serve, include a census tract designated by HUD as a Qualified Census Tract, or as a Racially or Ethnically-Concentrated Area of Poverty, during any year covered by an Underserved Markets Plan or in the year prior to a Plan’s effective date.  Below is a link to the specific geographies which meet the Area of Concentrated Poverty definition.

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