Posts Tagged ‘preserving access to manufactured housing act’

Highlights Of Consumer Financial Protection Bureau Director Kathleen Kraninger’s First Six Months, What’s Next?

June 12th, 2019 Comments off


Retailers. Communities. Have you noticed how relatively quiet word from the Consumer Financial Protection Bureau (CFPB) has been in the past 6 months?


Yesterday, June 11, marked the first six months of Director Kathleen L. Kraninger taking the helm from acting director Mick Mulvaney. 

Mulvaney has since moved on to the role as acting chief of staff for President Donald J. Trump.

The federal agency is still enforcing laws, but is striving – per their statement below – to do so in a more thoughtful manner, where business has a better sense of what it can or can’t do.  That increased certainty should be good for business over the long haul. In the video interview that follows below, she makes it clear that protecting and educating consumers matters to her.




Here is her most recent, perhaps first, mainstream news video interview on the topics that follow. By the way, this interview with Bloomberg – a left-of-center media outlet – exemplifies a balance that some may not realize can exist in the mainstream.  There are weaponized interviews, ‘fake news,’ and balanced reports.  This is arguably fair and balanced.




The CFPB news release to the Daily Business News on MHProNews will be followed with some additional details about the new director, plus manufactured home industry related material.




WASHINGTON, D.C. – June 11th marks the first six months of Director Kathleen L. Kraninger leading the Consumer Financial Protection Bureau.

“It is an honor and privilege to serve American consumers. As Director, my focus is to prevent harm to consumers by using all the tools Congress gave us, including education, regulation, supervision and enforcement. I look forward to building on the efforts and progress of these first six months,” said Director Kraninger.

Under Director Kraninger’s leadership, the Bureau:

Educated consumers about financial products and money management

• Launched an initiative, Start Small, Save Up, to increase emergency savings among consumers;
• Expanded the Misadventures in Money Management financial education tool for active-duty servicemembers;
• Educated consumers about mortgage closing scams;
• Educated consumers on debt collection, including steps they can take to resolve a debt, telling the difference between a legitimate debt collector and scammer, and top debt collection questions answered;
• Performed an extensive analysis and report on what suspicious activity reports reveal about elder financial exploitation;
• Provided technical assistance to VITA (Volunteers in Tax Assistance) sites in how to support the people who they serve in making choices about saving part of the tax refund;
• Issued a set of reports for use by state and local leaders working to set up child savings programs;
• Released an education page on financial preparedness for a disaster;
• Received and handled 170,000 consumer complaints;
• Released a financial well-being practitioner toolkit for use by financial educators;
• Provided consumers a list with contact information on specialty credit reporting companies;
• Educated servicemembers and other consumers on new credit freeze protections, jointly with the FTC;
• Released an action booklet on building and managing credit for consumers as part of the Your Money, Your Goals;
• Continued to provide the Your Money, Your Goals guide to service providers to use as they inform individuals transitioning from incarceration on financial information and tools to manage their financial lives;
• Released two snapshots focused on mortgage and servicemembers complaints;
• Facilitated the training of over 1,700 social services staff with information and action steps in money management that they can share with the people who they serve; and
• Reached 25 million publications distributed and 25 million hits on its web service, AskCFPB, over the life of these services.

“Congress charged the Bureau with conducting financial education programs and ensuring consumers receive timely and understandable information to make responsible decisions about financial transactions. We will continue to look for ways to release innovative financial education tools and partner with public and private sector entities engaged in consumer financial education to maximize the reach of these tools,” said Director Kraninger.

Examined to Promote Compliance and Enforced the Law

• Took action against one of the 10 largest HMDA reporters for violating HMDA and Regulation C;
• Took action against a mortgage servicer for violating the Consumer Financial Protection Act; RESPA; Regulation X; the Truth in Lending Act; and Regulation Z;
• Filed a law suit against a debt collection firm for violating the Consumer Financial Protection Act and the Fair Debt Collection Practices Act;
• Filed a law suit against a credit repair company and several related entities alleging that they violated the Consumer Financial Protection Act and also the Telemarketing Sales Rule;
• Took action against a student loan servicing company that engaged in unfair practices that violated the Consumer Financial Protection Act;
• Took action against a company that violated the Consumer Financial Protection Act; the Gramm-Leach-Bliley Act; Regulation P; the Truth in Lending Act; and Regulation Z;
• Took action against an online lender that extends unsecured payday and installment loans for violating the Consumer Financial Protection Act;
• Took action against an individual who brokered contracts offering high-interest credit to veterans for violating the Consumer Financial Protection Act;
• Took action against a company for violating the Consumer Financial Protection Act, the Truth in Lending Act; and Regulation Z;
• Took action against a federally chartered savings association for violating the Consumer Financial Protection Act; the Electronic Fund Transfer Act; and Regulation E;
• Sought to enhance protections for servicemembers;
• Secured over $12 million in redress for consumers and $22 million in Civil Money Penalties; and
• Announced changes to policies regarding Civil Investigative Demands (CIDs) to ensure they provide more information about the potentially wrongful conduct under investigation.

“Enforcement is an essential tool Congress gave the Bureau – particularly because education, rulemaking, and supervision will not prevent every violation. We will use enforcement against bad actors who don’t comply with the law. Ensuring that justice is served in the public interest – that is our goal in using the enforcement tool. Further, a purposeful enforcement regime can foster compliance, help prevent consumer harm, and right wrongs,” said Director Kraninger.

Modernized, clarified, and reduced burden of rules

• Issued the first proposed rulemaking to implement the requirements and prohibitions applicable to debt collectors under the Fair Debt Collection Practices Act since it was passed in 1977;
• Became a coordinating member of the Global Financial Innovation Network (GFIN), a world-wide effort to promote financial innovation that benefits consumers;
• Published a request for information concerning the need for and scope of exceptions under the Remittances Rule;
• Issued an Advance Notice of Proposed Rulemaking to commence developing proposed regulations addressing PACE financing, a relatively new form of financing of home improvements for environmental purposes;
• Issued new written guidance to clarify the TRID Rule and thereby promote mortgage firms’ compliance with the rule;
• Issued new standards the agency will use to meet its obligations under Section 610 of the Regulatory Flexibility Act to conduct reviews of certain rules to evaluate their burden on small businesses;
• Issued comprehensive assessment reports evaluating the effectiveness of the ATR-QM and Mortgage Servicing (Regulation X) Rules to comply with Section 1022 of the Dodd-Frank Act;
• Published proposed rules to delay implementation of and to reconsider the Mandatory Underwriting Provisions of the small dollar rule;
• Published proposed rules to reconsider the mortgage reporting thresholds in the 2015 HMDA Rule and published an advance notice of proposed rulemaking to obtain information to assist in the development of proposed rules to reconsider data points in the 2015 HMDA Rule.
• Issued final policy guidance explaining how the Bureau will modify publicly disclosed HMDA data to protect the privacy of consumers; and
• Commenced implementation of measures to streamline and improve the Bureau’s rulemaking process, such as providing materials to the public that are easier to understand, receiving more feedback from small businesses on proposals, planning to release SBREFA panel reports earlier in the process, maximizing public engagement by generally using a 90 day comment period for complex proposals, and posting all comments submitted in rulemakings to the public docket.

“I am committed to improving the Bureau’s rulemaking process as it will lead to better policy outcomes,” said Director Kraninger. “Improving the rulemaking process will ensure we have clear rules of the road that protect consumers and more effectively execute the Bureau’s mission. This process will increase transparency, public engagement, and thorough, data-driven analysis. To further improve our regulatory process we are developing a way to obtain input from state and local officials, as well as an initiative to ensure that outdated, unnecessary, or unduly burdensome regulations are identified and addressed.”

During her first six months, Director Kraninger has also visited all of the Bureau’s regional offices throughout the country and engaged with regional staff, as well as participated in an on-site exam. In this time, Director Kraninger has engaged with over 600 consumer groups, consumers, state and local government officials, military personnel, financial institutions, academics, non-profits, and former and current Bureau advisors, and traveled to 10 states. Lastly, Director Kraninger announced enhancements to the Bureau’s advisory committees and announced a symposia series aimed at stimulating a proactive and transparent dialogue in the policy development process.

The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives.




When manufactured housing professionals think of the CFPB, a common thought is about the Preserving Access to Manufactured Housing Act.  A fresh, deep review of that can be accessed via the hot-linked text-image box below.  Note that the following covers a timeframe prior to the new director, thus, is no reflection on her either way.


Rope-a-Dope – Preserving Access to Manufactured Housing Act, Mom, Dad, & You

What’s next at the CFPB?  That will depend in good measure on what occurs on Election Day, 2020, and the runup to that event.  Stay tuned.

That’s this hump day morning’s first installment of News Through the Lens of Manufactured Homes, and Factory-Built Housing,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)



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In a series of direct quotes in context, a document from 21st Mortgage signed by Tim Williams, and video recorded comments by Kevin Clayton, these all line up to demonstrate how independent retailers, communities, and producers – among others – where purportedly harmed by action that could be deemed an antitrust violation.


MHI Lender Shakes Up DTS and MLO Rule Discussions

March 23rd, 2018 Comments off


A veteran Manufactured Housing Institute (MHI) lender’s controversial comments to the Daily Business News are bound to shake up discussions about two hot button industry topics.


Those two subjects are:

  • the Duty to Serve (DTS) Manufactured Housing, mandated by Congress a decade ago, and
  • the Mortgage Loan Originator (MLO) Rule, established by the Consumer Financial Protection Bureau (CFPB) during the Obama Administration, and run under Richard Cordray’s leadership for several years.

A senior lender in manufactured housing, whose company is an MHI member, said that Triad Financial Services turned over their data to the GSEs “about 5 or 6 months ago.

The same informed source said that Credit Human, formerly known as CU Factory Built Lending, committed to turning over their data to the GSEs as well. That hand-off was reportedly more recent.

Therefore, the two Berkshire Hathaway owned lenders – 21st Mortgage Corp and Vanderbilt Mortgage and Finance (VMF) – were the 2 major holdouts.

The industry’s larger chattel lenders split along ‘party lines,’ with Berkshire Hathaway not providing data to the GSEs, and non-BH lenders providing data to Fannie Mae or Freddie Mac.

That loan performance data, said the GSEs, was needed to responsibly implement home-only “chattel” loans.

Despite assurance from MHI to members that they were doing ‘all that can be done’ to promote the Duty to Serve, the revelation that the Berkshire Hathaway owned lenders gave no data to the GSEs undermines that contention. MHI and the Berkshire Hathaway companies have previously been invited to clarify or confirm these concerns. Doesn’t their silence speaks volumes?

The comments confirmed once more the public statement in Tunica that Fannie Mae’s Paul Barretto made earlier this week, that Berkshire Hathaway failed to provide them with any relevant data.

According to Barretto, that meant that the bulk of the data they had was from the Conseco loan pool, which dated back to the late 1990s and early 2000, and were widely known for problematic origination and thus poor loan performance.

The combination of comments by the MHI lender and Fannie Mae’s Barretto underscored key revelations that help explain a decade of delays in implementation of the Congressionally mandated Duty to Serve Manufactured Housing.

That lack of data claim was in turn was used by the GSEs to do only a relatively modest pilot program by Fannie and Freddie. Those pilot projects are to be rolled out over 3 years, in support of the most affordable permanent housing in America.


Preserving Access…err…S. 2155

Once more, the potential for the Manufactured Housing Institute (MHI) to make a deal on the Mortgage Loan Originator (MLO) Rule – which some in media are mischaracterizing as “steering” – directly with the non-profit consumer groups was asserted by an MHI member lender.

Why does it matter?

First, because while the odds of passage on S 2155 are up, it is no guarantee that the manufactured housing amendment to the bill will survive a House/Senate conference committee.


As or more important, the recent reveal by the lender and Barretto both belie MHI’s official claim that they’ve been doing everything possible to advance the cause of more lending in manufactured housing.

If Barretto’s public comment in front of dozens of industry pros, plus the MHI lender and other sources are to be believed, then what MHI claims “just ain’t so.”

As MHProNews exclusively reported, the lender noted above confirmed what other sources have already said, which is that the non-profit “consumer groups” were ready to deal on the MLO rule, so long as the points and fees that mostly Berkshire Hathaway lenders wanted would be dropped from Preserving Access.


Dickens and others reportedly offered a compromise, which MHI declined. Consumers and independent industry professionals alike have suffered as a result.


As the MHI member lender told MHProNews, the art of compromise is the essence of political advancement.

Yet, “MHI’s leadership” was unwilling to compromise at all.

To rephrase, and emphasize – per our sources — MHI allegedly misled their own members and the industry at large


The likely answer has been supplied by the Manufactured Housing Association for Regulatory Reform (MHARR), which tacitly supported Preserving Access, but felt that bill had no chance for passage.

MHARR President and CEO, Mark Weiss, JD, said that every day that DTS isn’t fully and robustly implanted is “a gift” to the Berkshire Hathaway owned lenders.


MHARR tacitly supported Preserving Access, but also privately felt the bill had no chance. Years later, they’ve been proven correct.

The same logic can be applied to S 2155.  By creating a burden for competitors, the larger Berkshire Hathaway companies could endure the discomfort, knowing it would cause their industry competitors even more pain.

MHARR has called for a congressional investigation of the DTS matter, and has hinted at other possible steps that they may take.  MHI’s failures – whatever the cause or motivation – to get meaningful relief, has resulted in hundreds of once independent retailers and several HUD Code home producers vanishing in a few short years.  That fact is demonstrated by MHI’s own data.


State Association Voices Largely Silenced 

Even more state association executives have privately confirmed for the Daily Business News what then MHI Chairman, Tim Williams, said after he took over a conference call.  Williams reportedly threatened and pushed reluctant state executives to promote the Preserving Access to Manufactured Housing Act with their state members (see Gold Rules report, linked below along with other resources for more details).

Yet, former MHI Vice President Jason Boehlert said in a formal statement that Preserving Access was unlikely to pass while then President Barack Obama was in the Oval Office. And it was Warren Buffett who supported then POTUS Obama’s reelection effort.


Those numerous and clear disconnects between what MHI claimed, and what Warren Buffett did are so blinding, some fail to see it.

But a growing number are grasping the apparent sham of MHI saying one thing, while Buffett was personally working for the opposite.

The only logical implication is that MHI’s elected and staff leadership were driving the MH Industry at large into years of wasted and costly efforts.


Publisher L. A. ‘Tony’ Kovach has observed what other voices inside or outside of MHI have said. Berkshire Hathaway owned companies benefit if the Preserving Access bill passes, or not.

Furthermore, the longer more new HUD Code home shipments are diminished, the more retailers and communities sell out for less than their value, or are forced out of business.

That in turn would lead to more closures of the independent HUD Code producers, who once supplied the failed or consolidated independents retailers and communities.


If MHProNews were the only source with these concerns, then one might be more inclined to dismiss it. But several sources inside and outside the industry raise the same or similar concerns. Where there is smoke, there is fire, right?

So while the affordable housing crisis rages, manufactured housing had the brakes put on it.  Frank Rolfe, an MHI member, said last year that the industry is its own worst enemy.

It’s a process the fits perfectly with Warren Buffett’s “the Moat” principle, which the two posted videos below confirm.  But for someone to really understand the issues Kevin Clayton and Buffett himself raise, they must do what Buffett does.  Invest the time to research and read.

What Buffett says in brief about “the Moat” – increasingly seen as a monopolistic plan – Kevin Clayton confirms in detail.

This is parallel to the reasons why the Nation recently named Buffett as a monopolistic player in industries, including manufactured housing.

The Nation specifically pointed a finger at Clayton Homes, and their Berkshire Hathaway sister companies.


They Win, While a Growing Number of Independent Businesses Lose…

 …or is There Another Option?

MHProNews has received multiple contacts from veteran attorneys who believe that an antitrust case could be made, by federal authorities, but also by independent businesses suing under civil antitrust laws that carry triple damages.

Among those attorneys are those who would do the case on contingency.

Meaning, the law firm collects only if they win the case or come to an agreed upon settlement. With many contingency cases, the attorney doesn’t require the normal hourly fee.  The reason an attorney does a case on contingency is because they believe they can get more by taking a percentage of a case, then the hourly fee would be. That reduces the risk for the plaintiff, while increasing the drive by the suing law firm.

As the nation is caught in an economic vice that the affordable housing crisis has fueled, manufactured housing is – as MHLivingNews touted years ago – the solution that’s hiding in plain sight.

MHI’s shadow boxing on regulatory issues has stymied and delayed the industry’s recovery. The very professionals who are paid to promote the industry, in this view, have been rewarded for failure to achieve any meaningful regulatory relief.

Given several on-the-record statements by

  • Clayton Homes CEO, Kevin Clayton,
  • Tim Williams of 21st Mortgage,
  • Warren Buffett’s well publicized principles,
  • and documents obtained by MHProNews on 21st letterhead,

there is mounting evidence which seems to support the allegations that the thousands of industry retailers – and numerous producers – failed or sold out cheap, all while MHI postured ‘advocacy’ on their behalf.

Some believe that the push for S. 2155 compromise now, is precisely because of the ‘heat’ that MHI has been getting from MHProNews coverage of their problematic handling of Preserving Access.

As was reported yesterday, a growing number of the industry’s professionals have taken these MHProNews reports seriously.

While some continue to believe MHI et al, others were in Tunica this week taking practical steps to distance themselves from options linked to Berkshire Hathaway owned brands.


The Return of Common Sense?

Common sense says you don’t feed a dog that’s proven to bite your or others’ hands,” says Tony Kovach.


L. A. “Tony” Kovach, photo by Mark Simon, shows Kovach engaging with SAAs in NY. Kovach is the publisher of the industry’s two largest and most popular trade media, and

The pattern seems to be this.  MHI takes the wrong position on an issue, and only after extended pressure, do they finally relent and pivot to the more logical stance for industry independents.  So there is no glory for them in finally taking a correct step, after months or years of allegedly bad ones.

Meanwhile, the majority of the industry’s independent members have suffered. Some have sold out for less than the true value of their business, or lost their once successful businesses altogether. No wonder law firms are interested in working a legal action against this sort of behavior on contingency.” Tony Kovach said.

While MHProNews naturally values on-the-record comments, such off the record insights from the lender noted above can be invaluable for the industry’s independents.

The concept can be digested in minutes.

But to fully digest the nuances of what is taking place, one must do as Warren Buffett himself does: it may take a few hours of reading for all of the facts to be fully understood.

Buffett sees the value of studying the issues, but how many independent professionals do? Will more dig deeper in the days ahead? “We Provide, You Decide.” © ## (News, analysis, and commentary.)

Related Reports:

Progressive “Nation” Reports on Monopolies Cites Buffett, Clayton, Others – MH Industry Impact?

Busted! “Failure Bonus” Paid-Richard “Dick” Jennison, CEO Manufactured Housing Institute-per MHI Document$

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

“Follow the Money” – Controversial Urban Institute Report on Manufactured Housing

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

Keith Anderson, CEO Champion Homes, MHI ‘New Class’ Monopoly Concerns Memo, ‘Harms Owners, Independents’

Inside Scoop Mulvaney-CFPB and MHI, Berkshire Hathaway Company Meeting Detail$

State Associations, Companies Quit Membership in Manufactured Housing Institute, (MHI), One Explains in Writing, ‘Why?’

Lawsuits for Triple Damages – Anti-Trust, Anti-Monopoly Law, Manufactured Housing, and You

Plot Twist – Duty to Serve – Freddie Mac CEO Layton Called to Accountability w/Congressional, Administration Leaders Over New Manufactured Home Lending Revelations

Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

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Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

November 28th, 2017 Comments off

ManufacturedHousingInstituteLogoMHILogoShadowDailyBusinessNewsMHProNewsHindsight is 20/20.

This may be seen as one of the larger, most consequential reveals in the manufactured housing (MH) industry of 2017.

What Frank Rolfe told Inside MH viewers on MHProNews about the odds against passing Preserving Access in 2015 was actually acknowledged by a previous vice president of the Manufactured Housing Institute (MHI).

The statement was made on-the-record, directly to MHProNews, and on behalf of MHI.

The surprising admission by the MHI VP clearly contradicted much of what MHI was telling its members and the industry for the next three years.

Given Democratic gains in the House and Senate, it is not widely anticipated that Obama will seek to strike a conciliatory mood with Republicans on fiscal issues, or on issues related to a softening of Dodd-Frank,” said Jason Boehlert in an statement to MHProNews.

Boehlert, was the prior Government Relations (GR) VP, before current SVP Lesli Gooch, Ph.D. The context of Boehlert’s comments was the time frame in the aftermath of the 2012 re-election of President Barack Obama.

JasonBoehlertManufacturedHousingInstitueMHIVPGovtAffairsManufacturedHousingIndustryDailyBuisnessNewsMHProNewsBoehlert’s statement on behalf of MHI then said a few paragraphs later that MHI’s plan would be as follows. During the lame duck session, MHI will be working to pass legislation (H.R. 3849 and S. 3484) reforming portions of the Dodd-Frank and SAFE Acts.“  Those were the bill numbers for earlier versions of Preserving Access to Manufactured Housing Act


How did so many thousands of MH Industry professionals miss this revelation that was hiding in plain sight?” L. A. ‘Tony’ Kovach, publisher of MHProNews said, applying that statement to himself as well.

We trusted MHI then,” but, “time and the many revelations about MHI and its often errant communications of the past couple of years should place Boelert’s comments in its clear meaning. Too many of us in the industry and as members were trusting. But in hindsight, Boelert said it himself.”

The MHI bill was never going to happen.

Time for MHI to Use Secretary Clinton’s Comment?



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True MHI believers may shrug and say – as did Secretary Clinton at her infamous Benghazi hearing – “What difference, at this point, does it make?”

 Just as those who bled, died and cried over Benghazi said, “plenty,” so too is this revelation.

 That written comment was never retracted or corrected. It would, sources say, have to be okayed by higher ups before being sent to MHProNews.

 Logically MHI’s leadership:

    Knew their multi year effort for Preserving Access was doomed to fail,

   Should have known, based upon the logic of Boehlert’s statement, shown again in the graphic below (Note: Boehlert was later promoted to SVP).


To see Boehlert’s full statement click the image above.

  1. If MHI leaders knew, then weren’t they deceiving their own members – and through them, the rest of the industry – on their ability to pass Preserving Access?
  2. And if they didn’t know, did they fail to think through the logic of Boehlert’s statement? 

As a reminder, Richard “Dick” Jennison promised passage of Preserving Access to MH Industry members in 2015, during his address to industry members in Louisville in 2015.


Photo of Dick Jennison at the session where he promised industry members that Preserving Access would be passed, ‘but we need your help.’ VP Jason Boehlert’s analysis made it clear, that wasn’t happening. What kind of promise did Jennison make?


MHI continues to be silent on this an all the other allegations, perhaps hoping it will blow over.

As the Daily Business News exclusively reported, their is word that Frank Rolfe, a member critical of MHI on such matters, has likewise decided to go silent.

Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

Thus, the call for action outlined above, and added insights on this Dodd-Frank, Preserving Access related topic is linked cartoons below.


As the allegations and concerns about MHI continue to mount, another look at what Warren Buffett said about habits and history, are linked below.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

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Congressional House Voting Soon on Manufactured Home Issue, Says MHI Housing Alert

November 22nd, 2017 Comments off

ManufacturedHousingInsttituteMHIlogoHR1699PreservingAccessManufacturedHousingActAndyBarr115thCongressGovTracklogoThe U.S. House of Representatives is scheduled to vote next week on the Preserving Access to Manufactured Housing Act, said the Manufactured Housing Institute (MHI) in a release to members.

The [Preserving Access, HR 1699] bill addresses federal regulations implementing the Dodd-Frank Act that have jeopardized access to manufactured housing financing, and as a result disrupted the market,” stated their emailed message.

The Preserving Access bill is expected by third party experts to pass the House, but is unlikely to become law per those same observers. The odds of being enacted into law are more than 4 to 1 against it, per GovTrack.

See examples, below.

Facts, Fact Checks, and Questions Industry, MHI Should Answer 

The industry needs to see what the anti-Preserving Access forces have lined up. That opposition has already teed up allegations of racism, and predatory lending as the tools they will use in the U.S. Senate to stop Preserving Access.



With a new pro-business President Trump era, the landscape changed in Washington, D.C. changed.  Why hasn’t MHI pivoted along with that changing D.C. landscape?  Is Preserving Access the best way for millions in members dues and PAC money to be spent today?


Warren Buffett has said, as quoted in the report linked below, that chains of habit are hard to break.  Buffett has also warned that people fail to learn the lessons of history. Is over 5 years of failure to pass Preserving Access enough history to learn from?

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

Why doesn’t MHI pivot, becoming more pro-active as former chairman, Nathan Smith of SKK Communities said in the video below that he wanted for the industry’s ‘national umbrella association’…?

MHI award winner, Marty Lavin has urged the industry to “follow the money” – think see who benefits, why and where those dollars flow – and “pay more attention to what people do than what they say.”


Lavin is an MHI award winner, and a success story in communities, retail and finance.

Are Lavin’s words good advice for MHI members?

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“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

November 20th, 2017 Comments off

PerverseWarrenBuffettDodd-FrankCFPBManufacturedHousingInstituteManufacturedHomeLoansClayton21stVanderbiltDailyBusinessNewsMHProNewsThere seems to be some perverse human characteristic that likes to make easy things difficult.”

– Warren Buffett,
Berkshire Hathaway (BH) Chairman, parent to Clayton Homes, Vanderbilt Mortgage and Finance (VMF) & 21st Mortgage Corp, other industry suppliers, et al, cited per BrainyQuote.


The essence of simplicity for business professionals is the would-have-been campaign platform teased by star performer and manufactured home owner, Kid Rock.



MHLivingNews and MHProNews highlighted Kid Rock periodically for months. Among the reasons are the simple points he made. Whatever his intent, Kid Rock told the story of the MH Industry’s home owners and independent business people’s struggles in compelling ways.

“Born Free,” “Po-Dunk” Manufactured Homeowner Kid Rock Updates Senate Race Status

Perhaps in the era of President Barack Hussein Obama, the realistic fix for Dodd-Frank’s harm was the long sought Preserving Access to Manufactured Housing Act.

But is Preserving Access still the best option in this new era of Regulatory Rollback, under President Donald J. Trump?


President Trump and VP Mike Pence have both said they will be in the promise keeping business.  As the Daily Business News has tracked for the MH Industry’s professionals and enthusiasts, the economy is advancing with those regulatory roll-backs, see link here.

When the president and much of the GOP are pursuing eliminating or severely curtailing the Consumer Financial Protection Bureau (CFPB) that Dodd-Frank spawned, why tweak a law, when you can kill it or take control over it?  And based on the regulatory rollbacks to date, isn’t it obvious that the president will replace Cordray with someone more business friendly?

Obtained Email Details Richard Cordray Resigning Soon, Cong. Hensarling Reacts

Kid Rock, Donald Trump and millions of others have advocated for something simple.  Cut regulations, cut taxes, let the genius of American business professionals create jobs, and through business growth, create more prosperity for millions of Americans.

Facts Are, Facts Matter

What we learn from history is that people don’t learn from history.”

– Warren Buffett,
Berkshire Hathaway (BH) Chairman, parent to Clayton Homes, Vanderbilt & 21st Mortgage, per GoodReads.

As GovTrack and the Daily Business News on MHProNews have reported for months, the odds of passing the Financial Choice Act are far better than is the passage of Preserving Access.  While the odds for both have risen since the report below, that link is but one of several examples of reported news that MHI could have pro-actively responded to by pivoting from their long-held Preserving Access position.

Financial Choice Act, with MHI Bill, Heading to Floor Vote, Outlook, Analysis

Given that Nathan Smith – former MHI Chair, prominent Democratic Party activist, and partner in SSK Communities – said that it was his goal to cause the Manufactured Housing Institute (MHI) to stop being a reactive association, and to start being a pro-active one.  If so, why is MHI still so reactively focused on the Preserving Access issue in the Age of Trump?



Superficiality is the curse of the modern world.” – Matthew Kelly

Support for Preserving Access, For the Record

It is a matter of record that MHLivingNews and MHProNews actively supported Preserving Access in word and deed for years. Time, talent, and treasure were expended to create articles and videos that documented why the CFPB’s implementation of Dodd Frank were harming the industry’s consumers and businesses alike. To this moment, this publication is okay with the goal, but what we’ve spotlighted is that a far better goal for the MH Industry is now possible.

That original full-length Nathan Smith video and article were but one of dozens of examples of active support by this trade publisher of the MHI sponsored bill.  That video, or dozens of articles, lobbying, etc. cost MHI not one dime.

This trade media – in association with those industry companies that we work with – paid for that video, and so much more, in time, talent, and treasure.  MHI can’t legitimately claim otherwise.

MHI has allowed millions of dollars of the association’s member’s dues money to be gobbled up in this Preserving Access effort, plus the MHI PAC money in addition to the association costs.

Where are the MHI results?


Barney_Frank wikipediaPostedDailyBgusinesNewsMHProNews

Barney Frank, official photo, credit Wikipedia.

Perhaps the better question is, who benefited by NOT passing Preserving Access?

Barney Frank Letter De-Bunked a Key Dodd-Frank Claim…

It should also be noted that it was an MHProNews reader who supplied this potent letter that was first published here, and was later used by MHI.  This letter – linked below – was read into the Congressional record, in support of Preserving Access.

Barney Frank Letter link.

It was also MHLivingNews and MHProNews that discovered and broke the story that CFED – since renamed, Prosperity Now – was receiving CFPB funding.

CFED and CFPB – Confused, Conflicted “Friends” of Manufactured Home Owners and Prospective Buyers?

Of course, CFED backed the CFPB — they were being paid by them.

Follow the Money?

Among the articles that MHI President Richard “Dick” Jennison asked MHProNews to publish was this one by Jason Boehlert.

Manufactured Housing Institute and Consumer Groups Urge CFPB to Change Loan Originator Guidelines; Support Builds for H.R. 1779

Shortly after it was published, Jennison contacted MHProNews in what could be described as a panic.

Jennison’s urgent request? That MHProNews unpublish the article that they had previously asked just days before that we publish for them.  Please note the footnote under the article, linked above.

Per Jennison’s call – and what other MHI sources later revealed to MHProNews – it seems that Jennison, Boehlert, and MHI had failed to check with the consumer groups before announcing their “victory.”  As MH industry history tells us, their was no victory to announce.


At the recent San Antonio MHI meeting, Dick Jennison and Lesli Gooch repeatedly made thinly veiled statements, aimed at MHProNews. But when these signs were first introduced, top MHI staff claimed it was aimed at ‘outside’ media, not ‘industry media.’ What caused that change by Jennison and his allies toward a dues paying MHI association member? What message does it send to others in the association? What message does it send to the industry at large? Is MHI trying to create a de facto industry trade media monopoly? Other monopolies?

Here are some of the dozens (if not, hundreds) of articles that MHLivingNews and MHProNews published in support of Dodd-Frank, CFPB related news, and reform efforts.

Media Should Re-Visit Dodd-Frank Reporting in Light of Congressional Testimony

Noise and Smoke vs. Facts About Manufactured Homes and Lending

Renters’ Nation: The Dark Side of Dodd-Frank and Its Impact on Affordable Housing

She Black, He’s White, They’re in Different Parties. Why Congressional Representatives Terri Sewell and Andy Barr Support Preserving Access to Manufactured Housing

Dodd-Frank and Manufactured Home Financing: The Place Where Good Intentions and Unintended Consequences Collide

Can MHI – or any of their most ardent supporters – find any others in the industry’s trade media that provided more published support for their Preserving Access bill?

Thousands of others – including us – wrote in support of their bill. But in hindsight, in spite of all those efforts, wasn’t Preserving Access a flawed plan from the start?


Those and numerous other pro-Preserving Access steps were taking place, even though Jennison was allegedly already undermining MHProNews/MHLivingNews, which will be the subject of a separate, upcoming report.

While word, deeds, and rumors were coming to MHProNews about Jennison’s and his allies effort to undermine this pro-industry trade media – which we where then an MHI member company – MHProNews continued to support Preserving Access. Why?  On principle, based upon what we knew at the time, it seemed like a sound plan.

Furthermore, the evidence shows that MHProNews continued to allow MHI to provide content to be shared with the industry to promote that effort. One of several possible examples is linked below.

Manufactured Housing Institute Responds to Doug Ryan-CFED commentary on CFPB report on Manufactured Housing Finance

Note that in a prior message to MHProNews, MHI’s then VP admitted that Barack Obama’s winning in 2012 was a significant setback for any roll-back of Dodd-Frank.

2012 Election Results and Coming Lame Duck Session

That being the case, as MHI’s own VP stated, why did MHI continue to pursue Preserving Access

Why did MHI continue to promise passage of Preserving Access – as Jennison publicly did in 2015 at Louisville – when their own Vice President of Government Affairs laid out the facts as to why it was not going to happen?

In hind-sight, where was the logic of the MHI stance?  Or as Berkshire Hathaway’s chairman has said,

Chains of habit are too light to be felt until they are too heavy to be broken.”

– Warren Buffett,
Berkshire Hathaway (BH) Chairman, parent to Clayton Homes, Vanderbilt & 21st Mortgage, et al, per Investing.

As quoted in Medium, his partner at BH said, “Warren Buffett has become one hell of a lot better investor since the day I met him, and so have I. If we had been frozen at any given stage, with the knowledge we had, the record would have been much worse than it is. So the game is to keep learning, and I don’t think people are going to keep learning who don’t like the learning process.” – Charlie Munger, Berkshire Hathaway – parent to Clayton Homes, Vanderbilt & 21st Mortgage, et al.

Isn’t it time for the industry’s business professionals to follow Buffett’s lead on three things: reading, planning long term, and learning from the lessons of history?


MHI and Warren Buffett provide the best reasons for the industry to follow and support the industry’s leading independent trade media., and  BH companies do… 

What MHI, Industry Insiders Have Told MHProNews

Several industry success stories, plus association, non-profit and other informed sources and insiders have told MHProNews that Dodd-Frank has proven to be a windfall for Buffett’s brands.

Bank Vault Door Closes on Manufactured Housing Lender

U.S. Bank clearly stated that that they exited manufactured home lending, due in part to low volume, and regulatory risk.

The volume, knowledgeable sources at U.S. Bank said was okay, as their loan portfolio was profitable.

But U.S. Bank could not overlook the risk of the loans.  That statement dovetails with what UMH President Sam Landy told MHLivingNews about their own loan program, and Landy pointed to others that exited for the same reason – regulatory risk – as was reported.

Sam Landy, UMH CEO, on Dodd-Frank and The Preserving Access to Manufactured Housing Act – S 682/HR 650

Some of that regulatory risk could have been eliminated, per our sources, by trading the MLO rule for the 21st/VMF sought points and fees rule.

The Bottom Lines?

Warren Buffett has said that his favorite hold time is forever. Unlike many in the industry, which is often short term in thinking, Buffett’s patient. In 2003, Buffett began his run on taking over the manufactured housing industry.

Fraud, Class Action, CFPB-Warren Buffett, Berkshire Hathaway, Clayton Homes, Vanderbilt Mortgage & Finance, 21st Mortgage, Manufactured Housing Institute, and the Manufactured Homes Industry

It has not been without controversy, as MHProNews has previously reported, and more veteran industry professionals know first-hand.

In hindsight, isn’t it true that Buffett and his brands win regardless if Preserving Access passes or not?  Sources have made precisely that claim, and those sources include voices within MHI’s circle of influence.

Beyond that circle that speak off-the-record, are comments like Alan Amy, Lance Inderman, Bob Crawford, or others who have spoken on the record on various aspects of the Preserving Access and related issues.


This comment was previously sent, and MH Industry readers, as with any quote, should determine if it fits the context of this article. “We Provide, You Decide.” ©

MHI/NCC member Frank Rolfe made it clear that MHI’s communications and pushing for Dodd-Frank made no sense to him.



Solutions, Not Whining

Jim Ayotte’s statement, quoted below, was sent to MHProNews regarding a different topic, one that will be published soon.  But isn’t Ayotte’s observation a keen one for not only associations, but also businesses or pro-industry trade publishers too?


Don’t the facts reveal that MHI has supported one ineffective policy after another?  Where is their self-proclaimed clout?

Exclusive – HUD’s Manufactured Housing Program Administrator Pam Danner, Update

While MHI has failed to advance its agenda, even before MHProNews began to more aggressively fact check the association, doesn’t the history above clearly reflect that MHLivingNews and MHProNews supported Preserving Access?

Even while supporting MHI’s bill, and prior to this publication more aggressive fact checks of MHI, the Daily Business News will further allege that Dick Jennison was working against this operation’s interests.

That’s not a light comment.  Others associated with MHI have said similarly, that their interests (not just ours…) are being undermined by the Monopolistic Housing Institute (oops, Manufactured Housing Institute…MHI) – too.

ELS’ Sam Zell – Compliance Costs Destroys Smaller Businesses = Consolidation

Perhaps more significant, as MHI presses on with its over half-decade failed agenda, for whatever reasons, the industry continues to consolidate.

That consolidation is taking place due to the heavy burdens of regulations.

Regulation Nation – Manufactured Housing Associations, Companies, and Professionals

The non-profits and MHI company members have informed the Daily Business News that MHI had in its power to ‘cut a deal’ to eliminate the so-called MLO, several years ago by agreement.  The trade?  Give up the points and fees in exchange for the MLO rule.  MHI’s leadership, per those sources, said no.


MHProNews has fact-checked the often flawed positions of NMHOA for years; that said, on this issue, there are multiple sources that state that Dickens accurately reflected the meeting between MHI and other non-profits.

While other industry companies and so-called “Lonnie Dealers” could have benefited from the points and fees rule too, the primary beneficiary were the Berkshire Hathaway brands of 21st, and Vanderbilt.

Simple reason tells the objective observer that Warren Buffett’s companies have not only dominated MHI, they’ve used MHI to the detriment of thousands of others in the industry.

So where is the logic for independents to support MHI?

The Racket?

It is Democratic lawmakers who are calling leading light Democratic supporter Warren Buffett’s MH brands a “near monopoly.”


U.S. Representatives Maxine Waters (D-CA), Keith Ellison (D-MN), Emanuel Cleaver (D-MO), Mike Capuano (D-MA). Image credit, Twitter, Wikipedia.

It was Tim Williams who made the statement below, one that thousands in manufactured housing would agree with.


Notice. One can agree with 21st Mortgage CEO and prior MHI Chairman Tim Williams’ presentation, from which the slide above was taken with permission, while still questioning how it can be that Williams is intellectually at odds with Berkshire Hathaway Chairman, Warren Buffett. To see all of William’s informative slides, click the graphic above.

But isn’t it ironic that his statement flies in the face of what Warren Buffett supported?


Hillary Clinton, left, Warren Buffett, right. Credit – Boston Globe.  But Buffett’s stock has soared since the Trump victory, see the graphic and report, linked here. 

Namely, Hillary Clinton and Barack Obama, both of whom supported Dodd-Frank.  Where’s the logic?

Chains of habit are too light to be felt until they are too heavy to be broken.” – Warren Buffett.

What we learn from history is that people don’t learn from history.

– Warren Buffett,
Berkshire Hathaway (BH) Chairman, parent to Clayton Homes, Vanderbilt & 21st Mortgage, per GoodReads.


Is Buffett and MHI hoping small to mid-sized companies keep paying for MHI, so that Buffet’s brands benefit from MHI’s actions?

Are companies pressured into being MHI members, if they want to do business with Buffett’s brands?


The Solution?

The industry needs a post-production association, one that will replace the tongue-in-cheek “Monopolistic Housing Institute.” MHARR has long supported that call.

MHARR has long supported that position.

Isn’t it long overdue?  If not now, when the evidence is so clear, when?



Before another year of dues are sent by a company like your’s to MHI, isn’t it time for businesses to re-assess, and plan for a new national association platform?

Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

Possible concepts are in the report linked above.


Principles, Social Acceptance, and Posturing

As a trade publication, akin to Ayotte’s insight, the best that we or any professional can do is do the best with the facts when known. MHProNews’ understanding of Preserving Access and MHI have evolved through painful experience. It is thus proper to attempt to inform the industry of the facts, allegations and concerns as they are known and alleged.

Simplicity is supporting the kind of proven pro-business positions advocated by Kid Rock, and President Donald Trump.


We can and would support a new national post-production association effort, that is pro-business, pro-consumer, and based upon sound ethical principles.


President Trump and VP Mike Pence have both said they will be in the promise keeping business. MHProNews publicly supported Trump – while MHI, just days before the election – put two pro-Clinton speakers on their Chicago event stage.

We Provide, You Decide.” © ## (News, analysis, and commentary.)

Note 1: For those who want to sign up to our industry leading headline news updates – typically sent twice weekly – please click here to sign up in just seconds. Thanks to for those who directly and/or through social media are sharing their appreciation for our pro-Industry, pro-growth, pro-bottom line solution oriented industry coverage.

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for
Soheyla is a managing member and co-founder of LifeStyle Factory Homes, LLC the parent company to MHProNews and MHLivingNews.

Kinzler, Gallagher on Congressman Keith Ellison, the MH Industry, and Manufactured Home Communities

October 20th, 2017 Comments off

ProgressiveStarCongressmanUSRepDemocraticNationalViceChairKeithEllisonOfficialPhotoDailyBusinessNewsMHProNewsCongressman Keith Ellison (D-MN-5) is a rising star in the Democratic Party.

Ellison’s not been without controversy among his peers.

While today’s focus is his proposal that will impact manufactured home communities and other elements of the industry, some background on Representative Ellison and his interest in manufactured housing is warranted.

Rising Democratic Star, Keith Ellison

Ellison is viewed provocatively by many within manufactured housing industry circles. The reason?

It’s because of his joint call with some fellow Democrats, who formally asked federal officials at the Consumer Financial Protection Bureau (CFPB), and the Department of Justice (DoJ) to release their findings to-date on their investigation of charges of racism, steering, and predatory lending by units of Berkshire Hathaway. See that related, exclusive Daily Business News report, linked here.

But Ellison’s willingness to boldly push for his progressive, left-wing agenda were among the factors that landed him the vice-chairmanship of the influential Democratic National Committee (DNC).


Beyond pushing to investigate what his Democratic colleague has referred to as the near monopoly” of Berkshire Hathaway‘s units in manufactured housing, Ellison is making his presence felt in other ways in the manufactured home industry.


U.S. Representatives Maxine Waters (D-CA), Emanuel Cleaver (D-MO), Keith Ellison (D-MN), Mike Capuano (D-MA). Image credits, Twitter, Wikipedia.

While voices in Arlington, Omaha, Knoxville, and their allies want to ignore or brush off Ellison’s public moves, they do so at their own risk.

One need not look beyond the prior failure of the Manufactured Housing Institute (MHI) to pass their Preserving Access bill – and the reasons why it failed – in the last congressional session.  Disregarding Ellison and others he’s aligned with, is to do so at the peril of the millions spent to date lobbying for their proposed changes to Dodd-Frank.

‘Heads in the sand’ won’t make a painful truth go away.

Ellison vs. MHI backed Preserving Access

Ellison and Maxine Waters (D-CA) were the opposition leaders to the MHI backed Preserving Access to Manufactured Housing Act, which recently cleared the powerful Financial Services Committee, where Ellison is a member.

HR 1699, the Preserving Access to Manufactured Housing Act, by a bipartisan vote of 42 to 18,” stated NYHousing.

Of the 60 members on the [Financial Services] Committee, only two members spoke out against the bill. Ranking Member Maxine Waters (D-CA) and Rep. Keith Ellison (D-MN) expressed concerns that the bill will remove consumer protections,” the association’s statement said.

However meritorious the HR 1699 bill may be, what’s often missing in discussions elsewhere in the industry is that Waters and Ellison have already teed up their knockout punch, referenced above and once again, linked here.


See that in depth report on Ellison, Water’s efforts, linked here. 

It’s progressive political star Ellison who’s hunting for allegations of racism, steering, and predatory lending.  That, D.C. insiders say, will be the Waters/Ellison rallying cry.

Surprisingly, MHI and Berkshire Hathaway firms contacted have pointedly declined MHProNews invitation publicly condemn racism. Why not respond publicly via the industry’s most popular trade media, and denounce racism in a simple statement?

Expect Ellison, Waters and their allies to make that an issue in the mainstream media, per sources to the Daily Business News.

Against that context, this Daily Business News report now turns to Ellison’s own manufactured home industry focused legislation.

Cong. Ellison’s ShelterForce Op-Ed


The photo used in Ellison’s ShelterForce op-ed, with logos, added under fair use guidelines.

As the Daily Business News has previously reported at this link here, Ellison introduced a bill that has significant support among members of the manufactured home industry.

The Frank Adelmann Manufactured Housing Community Sustainability Act (H.R. 3296)

In support of that legislation, DNC Vice Chair Ellison penned an Op-Ed for ShelterForce, which reads today as the download – linked here – reflects.

Quoting from that column, Ellison begins with an impassioned plea.

Frank Adelmann was bereft when he received an eviction notice from Lowry Grove mobile home park,” Ellison stated. “At 59, he had no resources to move and could not afford another home. The day before the park was to close, Frank ended his life. He was one of ninety-five families who lost their homes. Kids, parents, veterans, and even seniors, some in their eighties, were evicted. Parents struggled, and mostly failed, to find a home they could afford in the same St. Anthony’s school district. And dozens who thought Lowry Grove would be the last home they lived in, suddenly had nowhere to go.”


Ross Kinzler, retired Executive Director of the Wisconsin Housing Alliance. Credits, MHProNews.

Regarding Ellison’s op-ed, award winning industry veteran, Ross Kinzler told MHProNews that, “The congressman acknowledges the problem right off the bat then promotes “cures” that ignore it.”

Brian Gallagher, Chief Operating and Financial Officer, of growing and respected Santefort Real Estate Group, LLC, took a more nuanced opening in his detailed reply to the Minnesota congressman.

After laying out their operation’s credentials, Gallagher wrote, “We share your concerns to ensure that the MH industry continues to provide quality affordable housing to over 22 (not 17) million Americans, all of them generally unsubsidized by government programs.”

Gallagher gives as an example of their manifest concern for their residents and prospective home owners.

Our company endeavors to be an example of best practices in responding to resident needs every day, including our offering of a 5% fixed financing rate to “Neighborhood Heroes” – Vets, nurses, teachers, and police/fire personnel,” Gallagher said in his letter to Ellison, that he then provided to MHProNews.

Ellison’s Stance

In Minnesota, ten mobile home communities have closed in the past twenty-five years, and no new ones have opened,” Ellison stated. “This uncertainty affects nearly 3 million Americans who are residents in the nation’s 50,000 [SIC] manufactured housing communities. While most of these people own their homes, they rent the land, which leaves them vulnerable to dramatic rent increases, arbitrary rules, and even eviction.


Notice: that the SIC was editorially added by MHProNews, because the likely closer estimate
for the number of communities is around 44,000.
This article will have an updated link on that controversial topic, by Monday.


Ellison’s point is that the problem is real, and he proposes to correct that through his H.R. 3296 legislation.

The Free Market Solution?

But Kinzler, who long lived in neighboring Wisconsin, believes Ellison’s proposed solution misses some key points.

Ten communities have closed in MN and no new ones built,” Kinzler tells MHProNews,What would the world look like if 25 to 100 new communities were built?  Supply and demand answers lots of questions.”

Kinzler added, “His [Ellison’s] “problems” are the creation of local government created shortages.”


Credits are as shown, to see the latest story on the Lowry Grove saga, click the image above. Note: the Manufactured Housing Institute (MHI) and their National Communities Council were contacted for comments, and provided none. Click here for that report

The Lasting, Painful Legacy of Magar Magar, and Lowry Grove?


Brian Gallagher. Credit: LinkedIn.

We acknowledge that bad actors exist in our industry, as they do in all, but they do not tell the whole story,” Gallagher’s letter and attachment – linked here at a download – to Ellison said.

From experience, professionals like Gallagher and other industry professionals know the impact that stories like Magar Magar – spotlighted by NPR – or Lowry Grove have on public officials and millions of Americans.

It was precisely the Lowry Grove community’s drama in Minnesota which sparked Ellison’s bill.

Gallagher, Kinzler and others are far from alone in saying that issues of image, misunderstandings, and “bad actors” need to be addressed by the industry and its members.

That may explain why Gallagher took pains to spell out in his letter to Ellison the good that they strive to do in their operation, and that most industry members strive to do the same.


That ‘there are good actors too’ theme is that ROC USA President and CEO, Paul Bradley sounds often.


A Santefort Neighborhood.  While the history on this particular property is not known to MHProNews, many investors are buying older communities, and are improving them. That’s private capital – free enterprise – at work to provide appealing, affordable, and quality homes. That routinely happens in manufactured housing without taxpayer subsidies.  Santefort website photo above, is provided under fair use guidelines.

But there are other voices who share a different viewpoint, believing that bad news should be overlooked, or ignored.

For example, the Manufactured Housing Institute (MHI) President and CEO, Dick Jennison, told MHProNews in writing that those who responded to the PBS NewsHour – and by inference, similarly negative stories – ”are either misguided or have a self-serving agenda.”

Seriously? Don’t industry members have the right to defend their profession’s reputation?  The full context of Jennison’s remark is in the screen capture, below.


Then MHI Chairman Tim Williams told MHProNews that, “We can also make a case to counter the segment addressing manufactured home site rent increase. No one from MHI was asked to comment on the segment and the allegation that consumers become trapped in their homes. The reporter did not make any effort to understand the cost of operating a manufactured home community and why those costs must be passed on to the tenants, even though MHI provided ample evidence and information to assist the reporter in his research.” Wouldn’t the insights Williams shared be useful for the media and public to know? The only reason the industry knows, is because MHProNews asked for and received William’s thoughtful comments. Those are linked, here

A related article to Jennison’s message are shown at this link here.

Gallagher Stresses Objective, vs. Emotional Response to MHC Issues

Any rental resident is subject to market and regulatory forces, as are the MHC operators. State laws generally govern rent increases, and very, very few, if any, MHC residents who are financially able to pay their rentfall asleep wondering if they’ll have a home in the morning.” wrote Gallagher; the italicized part was a quote from Ellison’s column, linked here.

Ironically,” Gallagher stated in his letter to Ellison, “as I trust you know, Lowry Grove appears to be on its way to become a modern MHC (see 10/14/17 Star Tribune article, attached).   Apparently, the town approved only 350 of the 700 units requested for the 15-acre site.  Time will tell how this ultimately turns out – but it is further support, in my opinion, for the proposition that “hard cases make bad law.”

Gallagher draws towards a conclusion by noting that Ellison is mistaken in opposing Preserving Access.

Finally, your column also mentioned your effort to oppose proposed legislation which would “exempt manufactured housing sales people from the CFPB licensing requirements’.  This proposal is intended to correct the misfit between the SAFE Act, designed for traditional single-family home/condo sales and financing, and the standard operating procedures of the manufactured housing industry, which, as you mention constitutes 50,000 communities housing 22 million residents,” Gallagher said.

The law does not relieve loan originators from compliance, or dilute borrower protections, but allows MH sales people the ability to discuss financing alternatives with applicants in the absence of brokers and third-party lender without fear of non-compliance with federal regulations.   This will facilitate transactions without sacrificing the protections of the CFPB,Gallagher noted.

Again, Ellison’s full column is linked here, and Gallagher’s response is linked here. “We Provide, You Decide.” © ## (News, Analysis.)

Related: this video below debunks many of the stereotypes, through an interview with a now retired official who served at both the CFPB and HUD.

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for

(Note: Soheyla Kovach is a co-founder of LifeStyle Factory Homes, LLC – the parent to and – and is a managing member.)

CFPB’s Richard Corday “will be leaving” Says Treasury Secretary Steve Mnuchin

October 17th, 2017 Comments off

SecretaryTreasuryStevenMnuchinYouTubeDailyBusinessNewsMHProNewsConsumer Financial Protection Bureau (CFPB) Director Richard Corday “will be leaving either way,” says Treasury Secretary Steven Mnuchin, to Bret Baier on Fox News’ Special Report tonight.

As part of a broader discussion, Baier asked Mnuchin about the future of the CFPB, and that of its director.

Mnuchin sees a possible future for the CFPB, but suggested the Trump Administration will be seeking changes. 

But Mnuchin said whether Corday leaves to run for the Governor of Ohio or not, his term at CFPB is up next year.

At that point, Corday will be gone, Mnuchin said with a tone of finality.


What will mean for the long, approaching 6 year saga of Preserving Access?  Stay tuned. ## (News, analysis, commentary.)

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for

“Season of War” Against “Establishment,” Manufactured Housing, and You

October 16th, 2017 Comments off

ASeasonofWarPixabayDailyBusinessNewsMHProNewsI am certainly not one of those who need to be prodded.
In fact, if anything, I am the prod
.” – Winston Churchill.


To everything there is a season, and a time to every purpose under the heaven…
a time of war, and a time of peace
Ecclesiastes 3:1-8, and the lyrics for the pop song, Turn, Turn, Turn.


The manufactured housing industry in several ways tends to mirror the nation.  So, there are individuals working in the industry across the political and economic spectrum.

But as the pre-election surveys by the NYTimes MHLivingNews and MHProNews reflected, a clear majority of the industry’s professionals voted for Donald Trump – and for what Jim Clayton called the 45th president’s “disruptor” agenda.


It’s not a news flash, but it should be.  Manufactured housing is misunderstood, as are some of the causes for the industry not advancing more quickly.

But almost as misunderstood is clarity – or the lack thereof – of some pundits and media when it comes to Donald J. Trump and how he operates.  The same might be said of POTUS Trump’s former White House Chief Strategist, Steve Bannon.

Steve’s been a friend of mine for a long time,” said the president today, per a report by CNN.  Others in media spanning the left-right divide reported the same.  CNN’s narrative seemed to paint Bannon and Trump as being at odds after his departure from the West Wing.

But the president is apparently playing all sides, as part of his “art of the deal” to advance tax reform and other items in his agenda.


Steve Bannon, President Donald Trump, Salon.

Many on the left – and right – appear to be confused.


Many in the media, left and right, are seemingly misreading the Trump/Bannon relationship, and strategies.

But for those who’ve closely followed the unorthodox methods that now POTUS Trump launched some 27 months ago may have missed what the Daily Business News previously reported regarding Dr. Keith Ablow insights on the president.


Ablow, a FOX News contributor, mentioned early in the Trump Administration that the president is playing the media, allowing some controversy to distract their attention, as he advances his agenda.

RC Williams observed with Ablow, that it was political and media chess,” like the “epic Ali-Foreman,” “Rope a Dope” – could President Trump be zigging, while everyone else is zagging?”

“A Season of War…”

Bannon told the Value Voters Summit just days ago that he would be backing insurgent candidates against every Republican Senate incumbent, save Texas Senator Ted Cruz.

Bannon made it plain there was plenty of time to later regroup and focus on Democrats.

But for now, it was time to defeat those who were failing the president and the agenda that moved voters to deliver the White House, Senate and House to the GOP.

It’s a takeover of the Republican Party that Bannon has in mind.

President Trump, just hours before saying how well he was getting along with Mitch McConnell, said that he understood Bannon’s objectives.  See Trump/McConnell in the report, linked here.

It was reminiscent of what MHProNews previously reported as the “head fake” that gave Trump a win-win in the Alabama primary last month, when Luther Strange was upended by Bannon-supported Judge Roy Moore.


Bannon is leading his flagship web-publication Breitbart – which Harvard and others on the left have after analysis decided is “not alt right” – in his war to purify the GOP, to become more loyal to the president’s America First agenda.

Bannon was a key player in the strategy that helped craft a Reagan-like coalition of “working class” Democrats in states such as Wisconsin, Michigan, and Pennsylvania.

That delivered the White House to President Trump, and gave the GOP a surprising, if narrow, majority in the Senate.


Part of their strategy has been a:

  • strong on borders,
  • tougher on trade,
  • policies that are good for labor,
  • the working class,
  • to foster rising wages,
  • and ending what economist Larry Kudlow called the governments “war on business.”

An in depth look at the cost of regulations, how it harms smaller businesses more than larger ones, and how MH industry state and national associations compare. Some surprising facts await.

POTUS Trump’s and Bannon’s concerns over monopolies ought to raise eyebrows in the manufactured housing space.

So instead of chasing tweaks like Preserving Access, or the like, Trump/Bannon are serious about their bolder promises to roll back Dodd-Frank, ObamaCare, get tax reform, accomplish entitlement reform, and liberate the economy from other parts of the Obama/left agenda completely.


For those objectively following developments, the president, Bannon, Kudlow and others are likely triangulating.  The president has himself stated his “never quit” attitude.

Will this effort to replace decades of GOP and Democratic policies that the Team Trump believe have harmed business, and millions of American workers succeed?

Only 9 months into this administration, much has already been accomplished. “We Provide, You Decide.” © ## (News, analysis, commentary.)

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for

Does CFPB’s Richard Cordray Have His Own Email Legal Issue Brewing? Report

October 7th, 2017 Comments off

Credit: CNN Money.

The Consumer Financial Protection Bureau’s (CFPB) Richard Cordray was widely rumored to be preparing for a run as a Democratic candidate for Governor of Ohio.

Rick Robinson, Manufactured Housing Institute (MHI) SVP and General Counsel, is among those who have recently said before a live audience in Deadwood, SD that those odds for Cordray’s rumored run are way down now.

But while Cordray may nor may not be pursing the governor’s mansion in the Buckeye State, what is brewing is a new controversy that Washington, D.C.’s Free Beacon is fueling about his possible violation of the Hatch Act.

HatchActProhibitsPoliticalActivityByAppointedFederalExecutiveOfficialWikipediaDailyBusinessNewsMHProNewsThe evidence?  A partially redacted email.

RichardCordrayRunGovHatchActViolationOhioDailyBusinessNewsMHProNewsCordray is widely known in manufactured housing industry circles for his firm stance against modifying two provisions of current CFPB regulations, the so-called MLO rule, and higher points and fees sought mainly by Berkshire Hathaway lenders, via the MHI backed Preserving Access to Manufactured Housing Act (HR 1699).


The House Financial Services Committee tells MHProNews that HR 1699 is coming up for a hearing on Wednesday, Oct 11, 2017.

The Segue

MHProNews recently questioned Skopos Labs for its sudden increase in the odds of passage of Preserving Access.


Given the politically charged allegations of “racism,” “near monopoly,” “steering,” and “predatory lending” by Democratic lawmakers, it seemed odd that Skopos reported the odds higher a few weeks before. After MHProNews’ inquiry, the odds of passage per Skopos were revised back down. MHProNews isn’t claiming we influenced the odds, rather, we journalistically questioned what should have been obvious to Skopos, the MH Industry and by implication, MHI.

When this updated report was checked today, Skopos now tells GovTrack that the odds for passage of MHI’s bill stands at a scant 7 percent.


Doesn’t MHI owe its own dues paying members and the industry the full truth? Screen capture of the Preserving Access relevant parts of the latest MHI’s email to their members.

Those are among the facts that MHI fails to disclose to its members, focusing instead on their numbers of how many emails are being sent to legislators, or the various efforts they have in their 5 year plus odyssey for passing the prior versions of this bill.

The Questioned Cordray Email

Per the Free Beacon and Scribd, here below is the email in question that may be construed as a Hatch Act violation.


Will this get any further than Secretary Hillary Clinton’s far more numerous, problematic emails?  “We Provide, You Decide.” ©  ## (News, analysis.)

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for

Senators Fighting for Preserve Access to Manufactured Housing, Reality Checks

August 16th, 2017 Comments off

Featured image credit, Manufactured Housing, MHProNews.

The CFPB is “protecting” people right out of affordable manufactured homeownership. Congress should fight to give families opportunities – not take them away,” said Representative Andy Barr (R-KY) when a group of bipartisan representatives introduced the Preserving Access to Manufactured Housing Act back in March, per Global Newswire.

There is widespread industry agreement on Barr’s statements.

More recently, a group of bipartisan U.S. Senators have also introduced a bill entitled the Preserving Access to Manufactured Housing Act, the Manufactured Housing Institute (MHI) sponsored bill, per Financial Regulation News.

Sponsors of the Senate bill include Senators Joe Donnelly (D-IN), Pat Toomey (R-PA), Tom Cotton (R-AR), Joe Manchin (D-WV), and Gary Peters (D-MI).


Pictured in order: Senators Joe Donnelly (D-IN), Pat Toomey (R-PA), Tom Cotton (R-AR), Joe Manchin (D-WV), and Gary Peters (D-MI). Credits, Senator Joe Donnelly, Wikipedia, MHProNews.

The Preserving Access to Manufactured Housing Act aims to address guidelines that were introduced in January 2014 by the Consumer Financial Protection Bureau (CFPB) that restricts approvals of so-called high-cost mortgages under the Home Ownership and Equality Protection Act.  It also addresses issues with the so-called MLO rule.


Featured image credits, CNN Money, Pexels, Rational Standard, MHProNews.

There is widespread agreement by manufactured housing professionals and associations that the goals of Preserving Access are good ones.

The problem?

Third-party experts state that the odds are only 6 percent for the passage of the bill (see screen capture, below).  After MHProNews broke that reality check to the industry, the MHI DC ‘Fly-In’ resulted in one of the lowest attendance by members…ever.  Sources say that MHI’s cosponsor efforts are lagging behind that of the previous Congress.


The Daily Business News has been documenting the reality of the bill, vs. the hype being promoted by those who count the number of emails going to members of Congress.


On the record comment by an MHI/NCC member. For more, click above.

At each stage, MHI has been given – and failed – to respond to the concerns about the bill’s realities, including the 5 years of previously failed attempts to pass the predecessors to this current bill.


Image credit, Manufactured Homes.

MHProNews has also spotlighted the anti-Preserving Access forces, including by Prosperity Now (formerly known as CFED).


For many Americans, manufactured homes are the most affordable form of housing available. This bill would help prevent federal regulations from getting in the way of financing for families that need it. I am grateful a bipartisan group of colleagues joined me in introducing legislation to keep manufactured housing obtainable for working class families,” Donnelly said.

The Preserving Access to Manufactured Housing Act addresses one of the biggest issues surrounding manufactured housing finances – Dodd-Frank – which creates problems for borrowers with less-than-perfect credit who seek to become homeowners.

Low-cost manufactured housing presents a unique opportunity for prospective homeowners, but the lack of financing options post-Dodd-Frank has pushed even this further out reach. People who feel they no longer have an option for homeownership will continue to rent because of this.

In a time when rents are increasing far faster than wages, this is a less than ideal situation.


The Daily Business New also recently reported that according to HUD, that over 8 million renters are considered “worst case” renters – who could be a single emergency expense away from losing the roof over their heads.

Congress needs to understand how important access to credit is for working families, veterans, retirees, and those living in rural America. The negative impact these federal rules are having on their ability to become homeowners can be corrected with this bill,” per Financial Regulatory News.

While Dodd-Frank and the CFPB were intended to help protect consumers from high-cost mortgages and loan products, it has instead made it harder for deserving people to obtain financing for affordable manufactured housing.

Even when they may have qualified with the right lender, people searching for financing for a manufactured home are often denied.

The reason?

Because industry professionals are banned from talking to consumers about their financing options unless they have a loan originators license. Isn’t this an infringement on our First Amendment rights to free speech?


Featured image credits, CNN Money, Pexels, Rational Standard, MHProNews.

A pro-Preserving Access, an MHI connected source tells MHProNews this past week that they don’t believe that the association’s leadership actually believes they will pass the bill.  Is it time to take an entirely different strategy?

Unfortunately, financing for the product has been jeopardized by one-size-fits-all regulations that fail to recognize the unique nature of manufactured housing loans,” Toomey said.

What Toomey and Others Aren’t Saying

The problem, which Toomey doesn’t address, is the one noted above.  Namely, that the solution proposed by MHI has only a 6% chance of passage.

Meanwhile, MHI failed to join the PHH vs. CFPB case – or missed taking more certain options – that could have changed the currently problematic state of the Dodd-Frank Act. ## (News, Analysis.)

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to Daily Business News for MHProNews.