The Federal Home Loan Bank requires security on all Advances. Our Collateral Policy (pdf) explains primary forms of collateral, supplemental forms of collateral, collateral verification, collateral restrictions, and rating of collateral. By following these policies, members will be able to access our Advance products by identifying, pledging and maintaining eligible collateral.

The Bank supports the expansion of fair and equitable home ownership opportunities. To discourage predatory lending practices, which are inconsistent with such opportunities, and to protect FHLBank Cincinnati from potential liabilities, FHLBank Cincinnati has established an Anti-Predatory Lending Policy ("APL Policy"). The General APL Policy has been further segregated to more specifically cover collateral supporting advances (APL Policy for Collateral) and for mortgages purchased under the Mortgage Purchase Program ("MPP")
(APL Policy for Acquired Member Assets), collectively known as the "APL Policies".