Federal Independent Agencies
Here's a look at documents from federal independent agencies
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IDB Unveils APIBox: Open-Source Tool for Testing Open Finance Applications
WASHINGTON, Nov. 6 -- The Inter-American Development Bank issued the following news release:
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IDB Unveils APIBox: Open-Source Tool for Testing Open Finance Applications
MIAMI - The Inter-American Development Bank (IDB) has launched APIBox: Technology Sandbox for Open Finance, a solution using open-source technologies designed to help governments, financial institutions, and organizations test and validate open finance processes and standards.
Developed with the support of the Grand Duchy of Luxembourg, the solution was unveiled during the FinnLAC 2025 Forum, an event organized by the
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WASHINGTON, Nov. 6 -- The Inter-American Development Bank issued the following news release:
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IDB Unveils APIBox: Open-Source Tool for Testing Open Finance Applications
MIAMI - The Inter-American Development Bank (IDB) has launched APIBox: Technology Sandbox for Open Finance, a solution using open-source technologies designed to help governments, financial institutions, and organizations test and validate open finance processes and standards.
Developed with the support of the Grand Duchy of Luxembourg, the solution was unveiled during the FinnLAC 2025 Forum, an event organized by theIDB Group to discuss the future of the financial industry in Latin America and the Caribbean.
APIBox acts as a technological sandbox, enabling participants to test new business models based in standardized Application Programming Interfaces (APIs). These APIs are at the core of open finance because they allow consumers to securely and efficiently share their financial data with third-party providers across a broad spectrum of services, including bank accounts, payments, investments, and insurance.
With APIBox, financial authorities and other stakeholders can build their own technology sandbox to dynamize the open finance ecosystem, and promote new solutions in a controlled environment, accelerating innovation and promoting greater financial inclusion.
"We aim to simplify the adoption of open finance by lowering the learning curve and encouraging the use of shared standards that safeguard security, enable interoperability, and protect personal data," said Anderson Caputo Silva, chief of the IDB's Connectivity, Markets and Finance Division. "Our goal is to build a more inclusive and transparent financial system across Latin America and the Caribbean."
Regulators and developers work together in APIBox to test, validate, and promote APIs development for open finance. This robust sandbox environment provides users with a comprehensive library of API documentation, tools that facilitate the compliance with technical standards, integration and data transfer tests using synthetic information, as well as tools to visualize results and validation reports.
Chile's Financial Market Commission has been the first financial authority to implement the technology sandbox with support from the IDB.
APIBox was developed by MInsait, an Indra Group Company, for the IDB, as part of the Bank's regional initiative to build digital public infrastructures for open finance and payments across the region. Those interested in implementing the sandbox can contact the IDB's Connectivity, Markets and Finance Division.
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About the IDB
The Inter-American Development Bank (IDB), a member of the IDB Group, is devoted to improving lives across Latin America and the Caribbean. Founded in 1959, the Bank works with the region's public sector to design and enable impactful, innovative solutions for sustainable and inclusive development. Leveraging financing, technical expertise, and knowledge, it promotes growth and well-being in 26 countries. Visit our website: www.iadb.org
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Original text here: https://www.iadb.org/en/news/idb-unveils-apibox-new-open-source-tool-testing-open-finance-applications
FinnLAC Forum 2025: IDB Group Drives Financial Innovation to Power Growth in Latin America and the Caribbean
WASHINGTON, Nov. 6 -- The Inter-American Development Bank issued the following news release:
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FinnLAC Forum 2025: IDB Group Drives Financial Innovation to Power Growth in Latin America and the Caribbean
MIAMI - FinnLAC Forum 2025, the Inter-American Development Bank Group's (IDB Group) premier regional summit on financial innovation, paved the way for the future of growth and development in Latin America and the Caribbean with two days of high-level discussions in Miami that brought together hundreds of authorities, business leaders and key players from more than 30 countries.
Across Latin
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WASHINGTON, Nov. 6 -- The Inter-American Development Bank issued the following news release:
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FinnLAC Forum 2025: IDB Group Drives Financial Innovation to Power Growth in Latin America and the Caribbean
MIAMI - FinnLAC Forum 2025, the Inter-American Development Bank Group's (IDB Group) premier regional summit on financial innovation, paved the way for the future of growth and development in Latin America and the Caribbean with two days of high-level discussions in Miami that brought together hundreds of authorities, business leaders and key players from more than 30 countries.
Across LatinAmerica and the Caribbean, the financial landscape is being transformed by innovation. The region now counts more than 3,000 active fintech firms across 26 countries, while digital payment systems surpassed 64 billion transactions in 2024. But while access to finance has expanded dramatically in recent years, it is not enough. The next frontier is financial health - ensuring that people and businesses can use financial services to build stability, resilience, and long-term prosperity.
The Forum featured influential voices including James Scriven, CEO of IDB Invest; Michael Schlein, President and CEO of Accion; Sophie Sirtaine, CEO of CGAP; Andres Vasquez, CEO of Nequi; and Shu Nyatta, Co-Founder and CEO of Bicycle Capital. These tier-one leaders were joined by senior representatives from IFC, FMO, Sparkassenstiftung, and regional fintech associations, underscoring the Forum's role as a premier platform for shaping the future of finance in Latin America and the Caribbean.
"At the IDB Group we leverage innovation, investment, and opportunities--helping the private sector turn the region's potential into sustainable and inclusive growth. We connect ideas and people from global markets with Latin America and the Caribbean to unlock new opportunities for economic and social development," said Scriven.
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About the IDB Group
The Inter-American Development Bank Group (IDB Group) is the leading source of financing and knowledge for improving lives in Latin America and the Caribbean. It comprises the IDB, which works with the region's public sector and enables the private sector; IDB Invest, which directly supports private companies and projects; and IDB Lab, which spurs entrepreneurial innovation.
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Original text here: https://www.iadb.org/en/news/finnlac-forum-2025-idb-group-drives-financial-innovation-power-growth-latin-america-and-caribbean
Ecuador to Enhance Care for Chronic Diseases With IDB Support
WASHINGTON, Nov. 6 -- The Inter-American Development Bank issued the following news release:
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Ecuador to Enhance Care for Chronic Diseases with IDB Support
The Inter-American Development Bank (IDB) is lending $250 million to help Ecuador reduce morbidity and mortality from chronic, noncommunicable diseases by strengthening prevention, diagnosis, and access to comprehensive treatment.
The program, which has been approved by the IDB's Board of Executive Directors, will improve decision-making by creating clinical protocols and operational standards for health facilities, as well as by implementing
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WASHINGTON, Nov. 6 -- The Inter-American Development Bank issued the following news release:
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Ecuador to Enhance Care for Chronic Diseases with IDB Support
The Inter-American Development Bank (IDB) is lending $250 million to help Ecuador reduce morbidity and mortality from chronic, noncommunicable diseases by strengthening prevention, diagnosis, and access to comprehensive treatment.
The program, which has been approved by the IDB's Board of Executive Directors, will improve decision-making by creating clinical protocols and operational standards for health facilities, as well as by implementinginformation systems to monitor chronic diseases.
The operation will enable Ecuador to purchase equipment for primary care and specialized treatment of chronic diseases and cancer. It will also strengthen healthcare personnel and roll out an information system for better patient follow-up.
The program will benefit the estimated 10.2 million people of all ages served by Ecuador's Ministry of Public Health.
Chronic, noncommunicable diseases account for 53% of deaths in Ecuador. In 2023, cardiovascular diseases were the country's leading cause of death.
The IDB loan has a 25-year repayment, a 5.5-year grace period, and an interest rate based on the Secured Overnight Financing Rate (SOFR).
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About the IDB
The Inter-American Development Bank (IDB), a member of the IDB Group, is devoted to improving lives across Latin America and the Caribbean. Founded in 1959, the Bank works with the region's public sector to design and enable impactful, innovative solutions for sustainable and inclusive development. Leveraging financing, technical expertise, and knowledge, it promotes growth and well-being in 26 countries. Visit our website: https://www.iadb.org/en.
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Original text here: https://www.iadb.org/en/news/ecuador-enhance-care-chronic-diseases-idb-support
In Ceremony with North Dakota Governor, EPA finalizes approval of North Dakota coal combustion residuals permit program
WASHINGTON, Nov. 5 -- The Environmental Protection Agency issued the following news release:
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In Ceremony with North Dakota Governor, EPA finalizes approval of North Dakota coal combustion residuals permit program
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BISMARCK, N.D. - Today, U.S. Environmental Protection Agency (EPA) announced approval of North Dakota's coal combustion residuals (CCR) program application. This program will allow the state, rather than the federal government, to permit CCR disposal in surface impoundments and landfills.
"By entrusting state experts with the authority to oversee their own resources, we are
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WASHINGTON, Nov. 5 -- The Environmental Protection Agency issued the following news release:
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In Ceremony with North Dakota Governor, EPA finalizes approval of North Dakota coal combustion residuals permit program
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BISMARCK, N.D. - Today, U.S. Environmental Protection Agency (EPA) announced approval of North Dakota's coal combustion residuals (CCR) program application. This program will allow the state, rather than the federal government, to permit CCR disposal in surface impoundments and landfills.
"By entrusting state experts with the authority to oversee their own resources, we arereinforcing our commitment to both cooperative federalism and permitting reform," said EPA Administrator Lee Zeldin. "North Dakota's deep understanding of its unique landscape and community needs ensures that local expertise leads the way in protecting the environment and fostering economic growth. This approval exemplifies how partnership between EPA and states can unleash American energy, create jobs, and Power the Great American Comeback."
"EPA is proud to support North Dakota's leadership and local expertise in managing its own coal combustion residuals program responsibly," said EPA Regional Administrator Cyrus Western. "This approval reflects that practical, state-driven solutions can deliver both environmental results and American energy opportunity."
CCR is produced primarily as a byproduct from burning coal in coal-fired power plants. After reviewing North Dakota Department of Environmental Quality's application, EPA determined that its application meets standards and proposed approval on May 16, 2025. After reviewing the public comments that were submitted to the agency, EPA finalized approval of the program. EPA is committed to working with state partners as they manage a CCR permit program that is tailored to their unique circumstances.
"North Dakota has regulated coal combustion residuals effectively for more than 40 years, protecting both the environment and public health, and we appreciate the EPA and Administrator Zeldin for recognizing the strength and responsibility of our state-led approach," said North Dakota Governor Kelly Armstrong. "The potential to extract rare earth elements and critical minerals from CCR - instead of having to import them from foreign adversaries - makes this approval of our CCR permit program even more important to U.S. energy independence, the economy and national security."
"We created this state-led program through my legislation passed in 2016 to help give a more stable footing to coal producers, providing efficient, cost-effective methods for recycling and disposing of coal combustion residuals," said Senator John Hoeven (R-ND). "We appreciate Governor Armstrong and Administrator Zeldin for their work to finalize and approve North Dakota's program. This state-led approach means lower costs and more regulatory certainty, benefiting both the environment and our economy - a win-win for U.S. energy dominance. This is part of our work to maintain access to the reliable, affordable baseload power provided by coal that is available 24/7, no matter the weather."
"President Trump's approval of North Dakota's coal combustion residuals permit program is a crystal-clear example of his commitment to American energy dominance. North Dakota's application contained all the required elements, yet the radical environmentalists embedded in the Biden administration sat on our state's program permit intending to injure North Dakota's coal industry," said Senator Kevin Cramer (R-ND). "Our state produces the nation's lowest cost electricity, and this approval will ensure we remain leaders in energy production. Thank you to President Trump and EPA Administrator Zeldin for approving North Dakota's application and restoring sanity to the permitting approval process!"
"North Dakota has proven that environmental stewardship and energy development go hand in hand. This decision empowers our statenot Washington bureaucratsto manage coal combustion residuals responsibly and strengthen our energy independence," said Representative Julie Fedorchak (R- ND). "I appreciate EPA Administrator Zeldin for recognizing North Dakota's leadership and working with us to keep energy reliable, affordable, and responsibly produced."
CCR is produced primarily as a byproduct from burning coal in coal-fired power plants. After reviewing North Dakota Department of Environmental Quality's application, EPA determined that it meets the standards for approval on May 16, 2025. After the public comment period ended, EPA finalized approval of the program. North Dakota is the fourth state in the U.S. to have an approved CCR permit program that is tailored to their unique circumstances.
For more information about the program, please visit the North Dakota CCR permit program webpage.
Background
On March 12, 2025, EPA committed to taking swift action on CCR, including state permit program reviews and updates to the CCR regulations. Since then, EPA approved North Dakota's CCR program application and proposed to approve Wyoming's program. EPA also made significant progress working with other states as they seek to manage their own CCR programs. EPA will continue working with state partners to prioritize timely action and empower those with local expertise to oversee more effective CCR disposal operations.
In addition, EPA issued a direct final rule and companion proposal that will extend the compliance deadlines for CCR management unit (CCRMU) requirements in July. This important action will allow facilities to submit both sections of the Facility Evaluation Report at the same time, provided that both reports are turned in no later than February 8, 2027.
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Original text here: https://www.epa.gov/newsreleases/ceremony-north-dakota-governor-epa-finalizes-approval-north-dakota-coal-combustion-0
IDB Pay to Expand Digital Payment Systems in Latin America and Caribbean
WASHINGTON, Nov. 5 -- The Inter-American Development Bank issued the following news release:
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IDB Pay to Expand Digital Payment Systems in Latin America and Caribbean
MIAMI -- The Inter-American Development Bank Group (IDB Group) has launched IDB Pay, a new initiative aimed at accelerating the rollout of real-time, low-cost digital payment systems throughout Latin America and the Caribbean to bring financial services to the 30% of the region's population that remains unbanked by 2030.
IDB Pay aims to support countries to build inclusive, interoperable, and secure Fast Retail Payment Systems
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WASHINGTON, Nov. 5 -- The Inter-American Development Bank issued the following news release:
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IDB Pay to Expand Digital Payment Systems in Latin America and Caribbean
MIAMI -- The Inter-American Development Bank Group (IDB Group) has launched IDB Pay, a new initiative aimed at accelerating the rollout of real-time, low-cost digital payment systems throughout Latin America and the Caribbean to bring financial services to the 30% of the region's population that remains unbanked by 2030.
IDB Pay aims to support countries to build inclusive, interoperable, and secure Fast Retail Payment Systems(FRPS) and other Digital Public Financial Infrastructures (DPFI). IDB Pay will use strategic technical cooperation, policy innovation, and flexible financing instruments to support the build-up of inclusive, interoperable, and secure fast retail payment systems that align with global best practices and are tailored to national contexts.
"IDB Pay is designed to accelerate the inclusion of those who have been historically unserved by the financial system. By integrating them into modern payment systems, the door to formal financial ecosystems, we empower individuals, strengthen communities, and uphold the fundamental right to economic participation," said Anderson Caputo Silva, Chief of the IDB's Connectivity, Markets and Finance Division.
The solution was unveiled during the FinnLAC 2025 Forum, an event organized by the IDB Group to discuss the future of the financial industry in Latin America and the Caribbean.
IDB Pay will support:
* Interoperability: As the foundation of a truly inclusive and efficient digital payment ecosystem, IDB Pay supports establishing technical and regulatory standards that allow different payment systems to communicate and operate seamlessly.
* Enabling Regulation: IDB Pay enables creating legal and policy frameworks that support the implementation of FRPS and other Digital Public Financial Infrastructures. IDB support includes co-developing regulatory roadmaps and enabling regulations with financial authorities; facilitating peer learning and regional dialogues to harmonize regulations; and offering policy-based loans to incentivize reforms.
* Market Incentives: A thriving digital financial ecosystem depends on active participation from the private sector. IDB Pay helps in designing policies and mechanisms that encourage private-sector participation, public-private cooperation in innovation, and investment in digital financial services. It supports offering alternative payment system architectures that leverage existing private-sector infrastructure and support pilot programs and public-private partnerships.
* Governance: Strong governance is the backbone of any resilient and inclusive financial system. Without defined oversight, coordination, and accountability, digital financial infrastructures risk fragmentation, inefficiency, and erosion of public trust. IDB Pay supports establishing strong institutional oversight and coordination mechanisms to ensure transparency, accountability, and long-term sustainability.
This initiative builds on the IDB's successful work in countries like Chile, Colombia and Ecuador, and its support for regional digital finance infrastructure, including technology sandboxes and its partnership with the Bank of International Settlements to offer open-source technology among central banks to facilitate the implementation of payment systems and other settlement infrastructures.
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About the IDB Group
The Inter-American Development Bank Group (IDB Group) is the leading source of financing and knowledge for improving lives in Latin America and the Caribbean. It comprises the IDB, which works with the region's public sector and enables the private sector; IDB Invest, which directly supports private companies and projects; and IDB Lab, which spurs entrepreneurial innovation.
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Original text here: https://www.iadb.org/en/news/idb-pay-expand-digital-payment-systems-latin-america-and-caribbean
IDB Issues Its First-Ever Amazonia Bond for $100 Million to Finance Sustainable Development
WASHINGTON, Nov. 5 -- The Inter-American Development Bank issued the following news release:
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IDB Issues Its First-Ever Amazonia Bond for $100 Million to Finance Sustainable Development
The fixed-rate bond is the first in a series of issuances under the IDB's $1 billion Amazonia Bond Program
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SAO PAULO -- The Inter-American Development Bank (IDB) has issued its first Amazonia Bond, raising $100 million to fund high-impact sustainable development projects across the Amazon region. This operation marks a pioneering step in leveraging capital markets to protect one of the planet's most
... Show Full Article
WASHINGTON, Nov. 5 -- The Inter-American Development Bank issued the following news release:
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IDB Issues Its First-Ever Amazonia Bond for $100 Million to Finance Sustainable Development
The fixed-rate bond is the first in a series of issuances under the IDB's $1 billion Amazonia Bond Program
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SAO PAULO -- The Inter-American Development Bank (IDB) has issued its first Amazonia Bond, raising $100 million to fund high-impact sustainable development projects across the Amazon region. This operation marks a pioneering step in leveraging capital markets to protect one of the planet's mostvital ecosystems while empowering local communities.
Structured under the Amazonia Bond Issuance Guidelines, co-developed by the IDB and the World Bank, and the IDB's Sustainable Debt Framework, the bond follows rigorous standards for use of proceeds, impact measurement, and transparency.
The fixed-rate bond, managed by Credit Agricole CIB, is the first in a series of issuances under the IDB's pioneering $1 billion Amazonia Bond Program, whose proceeds will support projects that improve local livelihoods, strengthen economic resilience, promote sustainable forest management, and protect biodiversity. The 5-year bond will pay an annual coupon of 3.802%.
Following this pioneering issuance, the National Treasury of Brazil has expressed its support for the initiative and its intention to explore the possibility of issuing its own bonds under the Amazon Bonds Guidelines, with support from the IDB and the World Bank.
"The issuance of our Amazonia Bonds represents a new chapter in sustainable finance, one that channels investments into nature-based solutions and community-driven progress. As a first mover, our Amazonia Bond Program offers a blueprint for others to follow, mobilizing private capital to protect the Amazon and uplift its people," said Ilan Goldfajn, President of the IDB Group.
In July, the IDB and the World Bank announced a strategic collaboration to support countries and institutions in launching their own Amazonia Bond Issuance Programs, with the IDB agreeing to be the first institution to establish such a program.
The program is part of Amazonia Forever, the IDB Group's regional coordination program for conservation and sustainable development of Amazonia. Spain, Germany and the Green Climate Fund provided key support for the development of the guidelines.
The IDB Group at COP30
The IDB Group is hosting more than 80 events at COP30 to showcase solutions for closing gaps in resilient development financing through partnerships, innovation, and a focus on measurable impact in Latin America and the Caribbean. Journalists on site are invited to visit our venues, with no registration required: IDB Group Pavilion in the Blue Zone, Casa BID in the Green Zone, and the AMAZONIA SEMPRE Station at the Goeldi Museum. Follow our COP30 page for all news and events schedules.
At COP30, the IBD Group is acting as a bridge - connecting governments and investors, the public and private sectors, people and communities - to mobilize at least $6 billion in announcements to help close the gaps in resilient development financing and support national priorities.
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About Amazonia Forever
Amazonia Forever is the IDB Group's regional coordination program that aims to protect biodiversity and accelerate sustainable development through three lines of action: expanding innovative financing, boosting knowledge exchange, and facilitating regional coordination among the eight countries that the Amazon encompasses. During COP30, it will host the AMAZONIA SEMPRE Station at the Goeldi Museum from November 8 to 21. See the full program here: www.bit.ly/COP30AMAZONIASEMPRE
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About the IDB
The Inter-American Development Bank (IDB), a member of the IDB Group, is devoted to improving lives across Latin America and the Caribbean. Founded in 1959, the Bank works with the region's public sector to design and enable impactful, innovative solutions for sustainable and inclusive development. Leveraging financing, technical expertise, and knowledge, it promotes growth and well-being in 26 countries. Visit our website: www.iadb.org
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Original text here: https://www.iadb.org/en/news/idb-issues-its-first-ever-amazonia-bond-100-million-finance-sustainable-development
$22K Grant from FHLB Dallas and First National Bank Texas Helps Central Texas Veteran Repair Roof and Restore Safety
DALLAS, Texas, Nov. 5 -- The Federal Home Loan Bank of Dallas, a district bank in the Federal Home Loan Bank System, issued the following news release:
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$22K Grant from FHLB Dallas and First National Bank Texas Helps Central Texas Veteran Repair Roof and Restore Safety
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KILLEEN, TEXAS, November 5, 2025A Killeen, Texas, Army veteran and his family are now living in a safer, more secure home thanks to a $22,000 grant from the Federal Home Loan Bank of Dallas (FHLB Dallas) and First National Bank Texas (FNBT). The grant, awarded through the Housing Assistance for Veterans (HAVEN) program,
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DALLAS, Texas, Nov. 5 -- The Federal Home Loan Bank of Dallas, a district bank in the Federal Home Loan Bank System, issued the following news release:
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$22K Grant from FHLB Dallas and First National Bank Texas Helps Central Texas Veteran Repair Roof and Restore Safety
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KILLEEN, TEXAS, November 5, 2025A Killeen, Texas, Army veteran and his family are now living in a safer, more secure home thanks to a $22,000 grant from the Federal Home Loan Bank of Dallas (FHLB Dallas) and First National Bank Texas (FNBT). The grant, awarded through the Housing Assistance for Veterans (HAVEN) program,funded critical repairs to the veteran's roof and sidingrestoring not just the structure, but the family's sense of stability and peace of mind.
Representatives from both banks joined Derek Gonzalez and his family at their home today to celebrate the grant during a ceremonial check presentation.
"I'm grateful to FNBT and FHLB Dallas for their support," said Mr. Gonzalez, who served in the U.S. Army. "Programs like this make a real difference in the lives of veterans. This grant didn't just repair my home; it gave me peace of mind and reminded me that there are people and institutions who truly care about those who've served."
HAVEN provides grants for home modifications, housing construction and homebuyer down payment assistance to help veterans, reservists and service members who have a service-related disability. It can also be used by Gold Star Families. Grants are made available through FHLB Dallas member financial institutions participating in the program.
"We are honored to support a local veteran and his family through the HAVEN grant program," said April Niswonger, FNBT's Assistant Vice President of Community Engagement. "Supporting those who have served our country is a responsibility we take to heart and it's incredibly rewarding to know that our work is helping veterans like Mr. Gonzalez live more comfortably and securely."
In 2025, FHLB Dallas allocated $1 million for the HAVEN programmore than triple the $300,000 allocated in 2024reflecting a growing commitment to support more veterans and their families.
"We're proud to stand behind veterans and their families to ensure they can continue to live safely and comfortably in the neighborhoods they've helped protect," said Greg Hettrick, senior vice president and director of Community Investment at FHLB Dallas. "By supporting a wide range of housing needs, the HAVEN grant helps preserve housing affordability and long-term community stability."
Learn more about the HAVEN program.
About First National Bank Texas
First National Bank Texas (FNBT) and its divisions First Convenience Bank, First Community Mortgage and First Heros National Bank, remain dedicated to building strong financial futures for our customers, employees and the communities that we serve. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings, we have grown to over $4.5 billion in assets and now operate over 350 branches located throughout Texas, Arizona, Arkansas and New Mexico.
About the Federal Home Loan Bank of Dallas
The Federal Home Loan Bank of Dallas is one of 11 district banks in the FHLBank System created by Congress in 1932. FHLB Dallas, with total assets of $112.2 billion as of September 30, 2025, is a member-owned cooperative that supports housing and community development by providing competitively priced loans and other credit products to approximately 800 members and associated institutions in Arkansas, Louisiana, Mississippi, New Mexico and Texas. For more information, visit fhlb.com.
Contact Information:
Corporate Communications
Federal Home Loan Bank of Dallas
fhlb.com
214.441.8445
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Original text here: https://www.fhlb.com/library/press-releases/2025/22k-grant-from-fhlb-dallas-and-first-national-bank
