The Omission of the Duty to Serve Manufactured Housing from Pending House and Senate Housing Bills Must be Corrected

Washington, D.C., April 27, 2026 – The Manufactured Housing Association for Regulatory Reform (MHARR) is today publishing the first of several detailed analyses (copy attached) based upon its April 13, 2026 one-page summary (copy also attached) of fundamental and potentially serious questions for the manufactured housing industry – and manufactured housing consumers – raised by the housing bills currently pending in the U.S. Senate (the ROAD to Housing Act) and the U.S. House of Representatives (the Housing for the 21^st Century Act).

            This must-read in-depth analysis addresses one of the two major post-production bottlenecks which have suppressed the growth and expansion of the manufactured housing industry (thereby contributing to the nation’s unprecedented shortage of affordable housing) – i.e., the total failure of Fannie Mae, Freddie Mac and the Federal Housing Finance Agency (FHFA) to implement the statutory “Duty to serve Underserved Markets” mandate of the Housing and Economic Recovery Act of 2008 (HERA) within the mainstream manufactured home chattel consumer financing market — but is nevertheless omitted entirely from the pending bills. This MHARR analysis fundamentally demonstrates, proves and concludes that a DTS clarification and enhancement must be included in any final legislation if the industry and its primary consumers are to truly benefit.

Other key manufactured housing-related failures of the two current housing bills, including their failure to substantially address and remedy discriminatory zoning exclusion of manufactured homes and their failure to permanently repeal draconian federal “energy” regulation of HUD Code manufactured homes, will be addressed in subsequent detailed analyses which will be published soon.

The Manufactured Housing Association for Regulatory Reform is a Washington, D.C.- based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.

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Attachments

Manufactured Housing Association for Regulatory Reform (MHARR)
1331 Pennsylvania Ave N.W., Suite 512
Washington D.C. 20004
Phone: 202/783-4087
Fax: 202/783-4075
Email: MHARRDG@AOL.COM
Website: www.manufacturedhousingassociation.org