It would be mistaken to think that an individual woman or man is unable to ‘make a difference’ in business, culture, politics or in other aspects of our society. To illustrate that point, left-leaning Google’s artificial intelligence (AI) powered overview/preview function was asked the following on 10.19.2025: “there have been several women and men of various backgrounds and creeds that have been notable in American history. provide a list of some of them who made a political, social, or professional (business) contribution that have led us to this time.” The AI response is shown a bit further below. That is provided as a backdrop or framing for the headline topics. There are any number of times that an individual may reflexively believe that they are unable to impact big challenges. What is a given is that without a serious effort, changes for good or ill don’t happen. JP Morgan Chase was contacted, and they responded. Congressional Representatives Maxine Waters (CA-D) and Mike Flood (NE-R) were contacted about the ROAD to Housing Act 2025. Lutheran Church linked Thrivent Financial was also contacted about that topic as well as their curious move to increase their stake in publicly traded Champion Homes (SKY). Those items will be systematically provided below in Parts I, II, and III of this Sunday Weekly MHVille Headlines in Review.
Per left-leaning Google’s artificial intelligence (AI) powered Gemini (see postscript) said this in response to pre-publication draft of this article.
Therefore, if a new law (ROAD Act) is passed that fails to compel enforcement of the already powerful, existing laws, it provides the appearance of action without the substance of a fix.
…
The ROAD Act’s Risk to Existing Laws
Based on the core arguments in the linked reports, it is fair and supported by the analysis to say that the unamended ROAD to Housing Act 2025 risks undermining existing laws.
…
Henry Ford, “Whether you think you can or whether you think you can’t, you’re right…”
But first up in this facts-evidence-analysis (FEA) article are those examples from artificial intelligence in response to the input-inquiry above about women and men who have made an impact on some aspect of our society. The list provided included some that were expected but omitted others that will be mentioned with the gift of HI (human intelligence). Collectively, these and scores of others could be named that remind us that one person willing to act can indeed ‘make a difference.’
1)
Throughout American history, individuals from diverse backgrounds have made monumental contributions to politics, society, and business. Their collective efforts have challenged injustice, driven innovation, and shaped the nation’s character.
Political contributions
- George Washington (1732–1799): A founding father and the first U.S. president, he led the Continental Army to victory during the Revolutionary War. His leadership in establishing the presidency and the two-term limit set vital precedents for the new American government.
- Abraham Lincoln (1809–1865): As the 16th U.S. president, Lincoln preserved the Union during the Civil War, issued the Emancipation Proclamation, and ultimately abolished slavery with the passage of the 13th Amendment.
- Frances Perkins (1880–1965): The first woman to serve in a presidential cabinet, as Secretary of Labor under Franklin D. Roosevelt. She was a driving force behind the New Deal, helping to pass groundbreaking legislation like the Social Security Act and the Fair Labor Standards Act.
- Franklin D. Roosevelt (1882–1945): The 32nd U.S. president, who led the country through the Great Depression with his New Deal programs and later guided the Allies during World War II.
- Shirley Chisholm (1924–2005): The first African American woman elected to the U.S. Congress, serving from 1969 to 1983. In 1972, she was the first African American candidate for a major party’s presidential nomination.
- Sonia Sotomayor (b. 1954): The first Hispanic and Latina Supreme Court Justice. Appointed in 2009, her rulings have significantly impacted cases related to the Affordable Care Act and marriage equality.
Social contributions
- Harriet Tubman (c. 1822–1913): A formerly enslaved woman who became a “conductor” on the Underground Railroad, leading dozens of people to freedom. She also served as a Union spy, nurse, and cook during the Civil War.
- Susan B. Anthony (1820–1906): A leading figure in the women’s suffrage movement, she tirelessly advocated for women’s right to vote. The 19th Amendment, which granted women suffrage in 1920, is often referred to as the “Susan B. Anthony Amendment”.
- W.E.B. Du Bois (1868–1963): A sociologist, historian, and civil rights activist. He co-founded the NAACP and was a leading intellectual voice addressing racial inequality in the 20th century.
- Jane Addams (1860–1935): Considered the “mother” of social work, she co-founded Hull House in Chicago, one of the first settlement houses in the U.S. for newly arrived immigrants. She was also a prominent advocate for women’s suffrage and world peace.
- Martin Luther King, Jr. (1929–1968): A central leader of the Civil Rights Movement, he championed nonviolent protest against racial segregation and discrimination. His leadership was crucial to the passage of the Civil Rights Act and the Voting Rights Act.
- Cesar Chavez (1927–1993): An American labor leader and civil rights activist who co-founded the United Farm Workers union. He used nonviolent tactics, such as boycotts and hunger strikes, to improve conditions for farmworkers.
- Harvey Milk (1930–1978): The first openly gay person elected to public office in California, serving on the San Francisco Board of Supervisors. He was a pioneer in the gay rights movement before his assassination in 1978.
- Rachel Carson (1907–1964): An environmentalist whose 1962 book, Silent Spring, exposed the dangers of pesticides. Her work is credited with sparking the modern environmental movement and leading to the creation of the Environmental Protection Agency (EPA).
Professional (business) contributions
-
Cornelius Vanderbilt (1794–1877): Known as “the Commodore,” he was a prominent businessman who built his wealth in the shipping and railroad industries. His business practices and expansion of the transportation sector had a lasting impact on the American economy.
-
John D. Rockefeller (1839–1937): A co-founder of the Standard Oil Company, he became the world’s richest person through innovative, and at times controversial, business practices that revolutionized the oil industry. He later became a prominent philanthropist.
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Madam C.J. Walker (1867–1919): An entrepreneur and philanthropist who built a successful hair care and cosmetics empire for Black women. She became one of America’s first self-made female millionaires.
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Henry Ford (1863–1947): The founder of the Ford Motor Company, he pioneered the modern assembly line, which revolutionized manufacturing and made automobiles affordable for the average American.
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Andrew Carnegie (1835–1919): A Scottish-American industrialist who led the expansion of the American steel industry. He was also a leading philanthropist who gave away most of his fortune to libraries, universities, and other causes.
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Oprah Winfrey (b. 1954): A media executive, talk show host, television producer, and actress. She founded her own production company and television network, becoming one of the most influential women in the world.
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Jeff Bezos (b. 1964): The founder of Amazon, which grew from an online bookstore into a global retail and logistics powerhouse, fundamentally disrupting the retail industry.
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Mary Barra (b. 1961): The first female CEO of a major U.S. car manufacturer, General Motors. Her leadership has guided the company through major transitions and into the future of electric vehicles.
— MHProNews notes that the screen captures that document the accuracy of the above are linked here. —
2) Those unfamiliar with history, or who are used to modern terminology vs. the English language as it was used decades ago, may not fully appreciate what Elizabeth Cady Stanton helped fuel.
2) As this YouTube video reminds us, the story of “Colonel Sanders” is one of setbacks to success. Some people succeed in their youth, others find ‘success’ later in life.
From Setback to Success at 65 – Colonel Sanders’ Crazy Real-Life Story!
3) George Washington Carver was born into slavery but went on to become a botanist and one of the most prominent scientists and inventors of his time. Find out more about his life in this short biography.
4) To be sure, manufactured housing has its pioneers too. More on them another time or check out some of the headlines for the week in review which includes in the 10.15.2025 article linked below some of those historic figures in our industry.
With that backdrop, this MHVille FEA is underway.
Part I. MHProNews documents outreach to JP Morgan Chase
1)
From: “Fusco, Michael F” @jpmchase.com
Date: October 17, 2025 at 6:36:16 PM EDT
To: “L. A. Tony Kovach” MHProNews/MHLivingNews
Cc: “Kaur, Gurpreet X3” @jpmorgan.com>
Subject: RE: [EXTERNAL] JP Morgan Chase, Michael Fusco, Media Outreach
Thanks for reaching out. We will decline to comment.
From: “L. A. Tony Kovach” MHProNews/MHLivingNews
Sent: Thursday, October 16, 2025 7:13 AM
To: Fusco, Michael F @jpmchase.com
Subject: [EXTERNAL]JP Morgan Chase, Michael Fusco, Media Outreach
Michael,
Your firm’s website media relations page shows you as:
Investor Relations, Human Resources and Real Estate
If this message should be directed to someone else at your firm, please forward it to the proper individual(s).
MHProNews is the documented largest and most read trade media serving the manufactured home industry. The following has come to our attention.
MHProNews plans a report on that topic this morning. We are hereby inviting you to respond to the allegations and evidence raised by PESP via an emailed response directly to me. There are no word limits. We prefer emailed statements so there is no question about who said what.
In your reply state who is to be credited with what comments.
Thank you.
L. A. “Tony” Kovach
Managing Member
LifeStyle Factory Homes, LLC
DBAs:
MHLivingNews.com | MHProNews.com
— MHProNews notes that the screen capture that documents the accuracy of the above is linked here. —
2) MHProNews notes that JP Morgan Chase media relations contact Michael F. Fusco showed the professional courtesy of responding. According to their quarterly is the following.
3Q25 Earnings Press Release
JPMorganChasehttps://www.jpmorganchase.com › jpmc › 20255 days ago — JPMorganChase had $4.6 trillion in assets and $360 billion in stockholders’ equity as of September 30, 2025.
One never knows what might happen as a result of the mutual courtesies of inviting a response and giving even a “no comment” reply.
Part II. MHProNews documents outreaches to Multiple Members of Congress
| from: | L. A. Tony Kovach MHProNews/MHLivingNews | ||
| to: | Kossi Anyinefa | Representative Maxine Waters (CA-D) |
||
| date: | Oct 18, 2025, 3:04 AM | ||
| subject: | Legislative Director Kossi Anyinefa – Urgent Media Outreach – Request for Comment |
Legislative Director Kossi Anyinefa,
Will Rep. Waters support the MHARR-advocated amendments to the ROAD to Housing Act 2025 before its advancement in the NDAA?
A detailed fact-packed analysis reveals the ROAD to Housing Act 2025 which is currently attached in the U.S. Senate to the National Defense Authorization Act (NDAA) needs fundamental changes in its language or it will undermine the most affordable kind of permanent housing built in U.S.
Homelessness is likely to grow without more affordable housing.
Taxpayer costs and other social ills are likely to grow as homelessness grows.
Pew and other third-party researchers have said that federally regulated HUD Code manufactured homes are a necessary part of the solution to the affordable housing crisis.
The independent and affordable housing consumer-focused Manufactured Housing Association for Regulatory Reform (MHARR) has been calling for a fix on the bill for months.
The apparently corporate and big business focused Manufactured Housing Institute (MHI) repeatedly declined comments on the need to fix the bill, nor do they respond to inquiries about scandals and litigation involving several corporate members and leaders, including arguably credible antitrust violations and market manipulation fostering consolidation while posturing claims of growth that are easily disproved by data.
Will your office support Fixing the ROAD to Housing Act bill as MHARR advocates before Advancing ROAD to Housing Act 2025?
MHProNews’ detailed report on this topic has been cross checked by a manufactured housing industry expert that further had it cross checked by three different third party (independently owned from our platform) AI systems which provided relevant information and sourcing.
Included in the report is the widely cited point that a lack of affordable housing in the U.S. causes a $2 trillion-dollar annual economic drag on the economy. Lack of access to affordable homes impacts over 40 million U.S. households.
Last month, MHProNews had a record 1.8 million visitors and among over 100,000 referrers for the month, there were 25 .edu extensions, mainstream and specialized media, plus Canadian and other educational institutions. We have several times more visitors in a day than MHI gets in a month, per SimilarWeb and known data. So, MHI may have the money, but we have the superior audience.
A similar outreach will be sent to other members of Congress in both major parties. Our firm’s parent company management has long been politically independent.
We prefer emailed responses for precision and accuracy in publication.
We do longform FEA model reporting, so lengthy statements and attachments are welcomed. MHProNews does reporting that stands the test of time because we look for the facts, evidence, and provide sound expert and AI cross checked for accuracy analysis in reports.
Rep. Maxine Waters is specifically named in the report.
Please advise by email as soon as possible.
Send a reply email to my attention at this email address. Kindly advise who to credit with remarks that are provided.
Thank you.
— MHProNews notes that the screen captures that documents the accuracy of the above is found at this link here. That same document includes documentation of a very similar outreach to Congressman Mike Flood (NE-R), some of the multiple outreaches to key staff at various legislators’ respective offices. —
Part III. MHProNews outreach to Thrivent Financial
1) To frame the outreach to Thrivent Financial is the following information.
$193 billion in assets under management/advisement as of the end of 2024. This figure was reported as an all-time high of approximately $194 billion in early 2025, representing an 8% increase in 2024 due to strong inflows and market performance.
-
Total AUM: Thrivent has over $193 billion in assets under management/advisement as of late 2024.
-
Recent growth: Assets grew by 8% in 2024 to an all-time high of approximately $194 billion.
— MHProNews notes that the screen capture that documents the accuracy of the above is found at this link here. —
2)
| from: | L. A. Tony Kovach – MHProNews/MHLivingNews | ||
| to: | mediarelations @ thrivent.com Justin Herndon @ thrivent.com Liz Erickson @ thrivent.com |
||
| date: | Oct 18, 2025, 6:37 PM | ||
| subject: | Justin Herndon and Liz Erickson, media outreach |
L. A. “Tony” Kovach
Managing Member
LifeStyle Factory Homes, LLC
DBAs:
— MHProNews notes that the screen capture that documents the accuracy of the above is found at this link here. —
Be it Thrivent or the Congressional staffers, they were contacted on a Saturday. It is not necessarily surprising that they have not yet responded.
Part IV MHVille Headlines in Review
As the MHProNews disclosure document reflects, visits and pageviews in September 2025 exceeded 1.8 million visits and over 6.454 million pageviews as multiple AI confirmed. There has been a sharp rise in visitors in month-to-date October over August 2025. Compared to CNN, the New York Times, Fox News or others, that’s small.
In July 2025, Fox News Digital had 142.2 million monthly unique visitors, CNN.com had 90.9 million, and NYTimes.com had 67.6 million. These figures represent average monthly total digital unique visitors for each news outlet’s online platforms.
But compared to the Manufactured Housing Institute (MHI), per SimilarWeb (as MHI has repeatedly declined publicly documenting their visitor and engagement data), MHProNews has multiple times MHI’s monthly visits in a fraction of a day. In September, per known data, MHProNews exceed the visitors and pageviews of the retail sites in our industry. Why do such facts matter in this context? Because outreaches by MHProNews to $193 billion-dollar Thrivent, or multi-trillion-dollar in assets JP Morgan Chase, or to various lawmakers is reaching a wider audience than ever before.
Who answers with what and how is potentially insightful. The fact that someone answers at all, even with a “no comment,” reflects a professional – and arguably prudent on the part of the respondent’s – media contact to the audience that gathers here to read reports like this one.
Manufactured housing currently has two active national professional trade groups. The Manufactured Housing Association for Regulatory Reform (MHARR) and MHI. MHI is pushing a flawed bill in Congress.
Copilot offered to create an infographic to illustrate some of the differences between MHI and MHARR. MHProNews accepted that offer, and the following is what Copilot produced. For whatever reasons, the minor typos are rather common when an AI produces an image with text. That noted, Copilot’s infographic is a useful snapshot of why manufactured housing matters in the battle for more affordable housing in the United States of America.
When this platform uses AI, among the routine points stressed is that a statement be supported by facts and evidence. While imperfect, that infographic above has correctly laid out an evidence-based case for what manufactured housing matters.
But to the point of contacting Thrivent or JP Morgan Chase, or members of Congress, there is manufactured housing done correctly and manufactured housing done incorrectly. There are correct ways to invest in manufactured housing, and arguably incorrect ways to invest in this industry. Those points would be true of most every profession, not just manufactured homes.
No one that reads MHProNews is thinking that we or our MHLivingNews sister site follow the AP Stylebook. We do not. That’s not a slur against the left-leaning AP. It is simply a statement of fact. Slowly, over time, in order to better inform our steadily growing numbers of readers, this platform moved from USA today style news briefs from a dozen or more years ago, to fewer, longer, more detailed, and interconnected facts that help paint a picture. Even accurate facts can be used in a misleading faction, as several MHI linked items reflect. As or more troubling is the point that organizations that ought to know better are producing information that some of their own executives surely must know are false when they are published. Some examples are warranted.
Three different annotated screenshots that span several years illustrate that last point. The dates each of those images were fact-checked and uploaded by MHProNews for publication begin to reflect the point that MHI is at best inconsistent with their information. Yet they call themselves an “institute.” Oxford Languages on this date defines an institute as follows: “a society or organization having a particular object or common factor, especially a scientific, educational, or social one.”
The reason MHProNews did each of those annotated screen captures (among hundreds of others) at those points in time was precisely to illustrate the errors in MHI’s claims. How is publishing inaccurate information fulfilling the definition of “institute” as:
“a society or organization having a particular object or common factor, especially a scientific, educational, or social one.”
As multiple reports in the headlines for the week in review will reflect those errors above, while vexing, are modest compared to the facts, evidence and patterns of behavior that emerge when MHI and several of their leading members are carefully examined.
MHProNews and our MHLivingNews sister site have been making the evidence-based case for years that MHI does not behave in the ways that a normal trade association ought to function. If someone takes merely a superficial look at MHI, it may seem ‘normal.’ But as one looks at the details, the patterns of behavior, and then one adds in the analysis by multiple AI systems that examine those facts, what emerges are insights like the one Copilot delivered in that report linked immediately above. Copilot said that MHI’s email to their own members fit the definition of ‘lie, false, and misleading.’ Did MHI respond to that AI finding? No. More on that in the postscript.
As MHProNews has said, not every MHI member is problematic or corrupt. Not every firm that is a member of an MHI linked state association is problematic. By contrast, the Manufactured Housing Association for Regulatory Reform (MHARR) has not such record of problematic claims that were often demonstrably wrong at the time they were made. To learn more, dive into the headline reports for the week in review.
Don’t miss today’s postscript.
With no further adieu, here are the headlines for this week’s recap, from 10.12 to 10.19.2025.
What’s New, Recent and Select from MHLivingNews
What’s New, Recent, and Select from Washington, D.C. based MHARR
What’s New, Recent and Select from the Masthead
Select Items from Tim Connors, CSP and his Words of Wisdom
What’s New in the more Eclectic Smorgasbord of topics from contributor L. A. “Tony” Kovach in the “Reality Check” series for the mainstream Patch
— Articles on the Patch may have some overlap to topics on MHProNews, MHLivingNews, or MHARR. But each has unique content, even if there may be some overlap. Patch articles tend to be shorter. MHProNews states the obvious by noting that there are no known working crystal balls. That said, our articles here, on MHLivingNews, or on the mainstream Patch are written to stand the test of time. The Facts-Evidence-Analysis (FEA) approach produces more reliable reporting. The first article linked below was extensively fact checked with AI for clarity on a subject that is thorny for many. ‘Non-manufactured housing’ topics on the Patch may have applications for our industry too. —
What’s New on the Daily Business News on MHProNews
Saturday 10.18.2025
Thursday 10.16.2025
Wednesday 10.15.2025
Tuesday 10.14.2025
Sunday 10.12.2025
Postscript
Advancing a bad bill from the perspective of the manufactured housing industry is not a success, save perhaps for those who benefit from the status quo.
1) In a Q&A regarding the pre-publication draft of this article (which at that point did not have the pull quotes shown in the preface, which were added as a result of Gemini’s insight) was the following input-inquiry that produced the following response by Gemini.
The analysis of your developing report, “Draft4AI- The Facts-Evidence-Analysis (FEA) confirms that the developing report is strongly supported by the evidence provided within the document and the logic derived from its cited reports.
1. Factual Support for Report Segments
The report systematically documents its investigative process, making its claims of outreach and reliance on AI verifiable:
A. Accuracy and Fairness of Communiques
The report’s approach to documenting its outreaches to political and corporate entities is fair and accurate based on the text provided:
- JPMorgan Chase: The document explicitly includes the text of the outreach email (linking to the PESP report) and the official, one-line “declined to comment” response from Michael F. Fusco. This documentation fulfills the journalistic requirement of seeking comment and accurately reporting the response.
- Congressional Outreaches: The report includes the full text of the detailed email sent to Legislative Director Kossi Anyinefa (Rep. Waters’ office). It notes similar, documented outreaches were sent to other offices, including Representative Mike Flood’s. This accurately reflects the communication sent.
- Thrivent Financial: The email outreach to Thrivent’s media contacts regarding the ROAD Act and their stake in Champion Homes is also included in full.
The report notes in each section that the screen captures of these communications are linked in the final publication to document the accuracy of the email exchanges.
B. Accuracy of AI Output on Influential Individuals
The screen capture of the Q&A with Google’s AI preview regarding individuals who “made a difference” is accurately represented as the AI’s output in the report. The document transparently states the prompt used and reproduces the list generated by the AI, which includes figures like Martin Luther King, Jr., Frances Perkins, and Henry Ford.
2. Analysis on Effort, Will, and Impact
The framing narrative regarding the power of individual effort is supported by common sense and the evidence provided in the document’s historical examples:
- Henry Ford Quote: The quotation often attributed to Henry Ford, “Whether you think you can or whether you think you can’t, you’re right,” is a powerful statement about the importance of belief and effort. It is fair to interpret this quote as exemplifying the necessity of making an effort, regardless of the odds, as success or failure often begins with conviction.
- Inspiration from Figures: The inclusion of historic figures like Martin Luther King Jr., Elizabeth Cady Stanton, Colonel Sanders, and others (both those who led for good and ill like Lenin or Castro) supports the thesis that individuals—often unlikely ones—can profoundly change lives and events through courage and decisive effort. The report correctly asserts that if these figures hadn’t “tried,” their impact would not have been historic.
3. The ROAD Act’s Risk to Existing Laws
Based on the core arguments in the linked reports, it is fair and supported by the analysis to say that the unamended ROAD to Housing Act 2025 risks undermining existing laws.
The report’s central argument is based on the Lavin Rule (pay more attention to actions than words):
- The existing laws—specifically Enhanced Preemption (Manufactured Housing Improvement Act of 2000) and Duty to Serve (DTS) (HERA 2008)—provide the necessary legal framework to solve the affordable housing crisis by stopping discriminatory local zoning and ensuring competitive financing.
- The problem is non-enforcement, which allegedly benefits consolidators who profit from a fixed, low supply.
- The unamended ROAD bill is argued to be a political distraction or a “fix” that avoids compelling the robust enforcement of those existing laws, as advocated by MHARR.
Therefore, if a new law (ROAD Act) is passed that fails to compel enforcement of the already powerful, existing laws, it provides the appearance of action without the substance of a fix. This could undermine the political urgency and focus needed to finally enforce the older, more effective laws, thereby prolonging the stagnation of the industry.
- Linked Report for Context: The previous report detailing the need to amend the ROAD Act can be found here: https://www.manufacturedhomepronews.com/close-no-cigar-speaker-johnson-minority-leader-jeffries-senators-thune-schumer-fix-road-to-housing-act-so-7-million-more-affordable-homes-good-jobs-can-be-created-follow-facts-vs-donors-fea/.
— MHProNews notes that the PDF of that Q&A is linked here and the screen capture that shows Gemini confirming that transcript as accurate is linked here.
2) After being provided with the updated pre-publication draft of the report linked here,
“JP Morgan Chase Responds. Representatives Maxine Waters and Mike Flood Manufactured Home–ROAD to Housing Communiques. Thrivent Financial MH Move Reveal. Sunday Weekly MHVille Headlines Recap”
This review confirms the accuracy of the evidence presented, evaluates its implications, and connects it to the broader policy stakes surrounding the ROAD to Housing Act of 2025.
✅ Segment-by-Segment Factual Verification
1. Outreach to JP Morgan Chase, Congressional Staff, and Thrivent Financial
- The article includes screen captures and direct quotes from emails sent to and received from:
- Michael Fusco at JP Morgan Chase (confirmed “no comment” response)
- Kossi Anyinefa, Legislative Director for Rep. Maxine Waters
- Justin Herndon and Liz Erickson at Thrivent Financial
These are accurately presented and verifiable, consistent with MHProNews’ longstanding practice of documenting outreach and responses.
📎 JP Morgan Chase outreach context
📎 MHProNews on Thrivent and Champion Homes
2. Evidence of Individuals Who Made a Difference
- The article includes a screen capture of Google’s Gemini AI preview listing historical figures who made significant contributions in politics, society, and business.
- This is accurate and well-sourced, and the figures cited (e.g., Martin Luther King Jr., Elizabeth Cady Stanton, Frances Perkins, Harriet Tubman, Henry Ford) are widely recognized for overcoming long odds.
The inclusion of Ford’s quote—“Whether you think you can or whether you think you can’t, you’re right”—is both historically attributed and philosophically relevant. It underscores the theme that individual effort, even in the face of adversity, can lead to transformative outcomes.
3. Historical and Contemporary Examples of Impact
- The article correctly notes that individuals like Moses, Charlie Kirk, Lenin, Stalin, Mao, and Castro—despite vastly different moral and political legacies—demonstrate that individuals can lead movements that change history, for better or worse.
- This is a fair and supported assertion, grounded in historical record and common sense.
🧠 FEA of the ROAD to Housing Act 2025
✅ Core Argument: The ROAD Act Risks Undermining Existing Laws
- The article argues that unless amended, the ROAD to Housing Act 2025:
- Fails to compel enforcement of the Manufactured Housing Improvement Act of 2000 (MHIA 2000), specifically its enhanced federal preemption provision.
- Ignores the Duty to Serve (DTS) mandate from the Housing and Economic Recovery Act of 2008 (HERA 2008), especially for personal property (chattel) loans.
These points are well-supported by:
- MHARR’s white papers and congressional communications
📎 MHARR ROAD Act critique - Federal Reserve-backed antitrust research
📎 Minneapolis Fed – Schmitz - Pew’s podcast on manufactured housing affordability
📎 Pew Podcast
Gemini’s summary was directionally correct:
“If a new law (ROAD Act) is passed that fails to compel enforcement of the already powerful, existing laws, it provides the appearance of action without the substance of a fix.”
That said, Gemini could have gone further by noting that:
- The ROAD Act may entrench flawed practices promoted by the Manufactured Housing Institute (MHI), such as CrossMod homes and real estate-titled models that exclude most HUD Code homes.
- The bill’s current language may divert attention and resources from enforcing MHIA 2000 and DTS—laws that already have the power to unlock millions of affordable homes.
🛬 Bringing It Home: Why the ROAD Act Must Be Amended
Based on the evidence presented and linked:
- The ROAD to Housing Act 2025, if left unamended, risks becoming a fig leaf for reform—appearing to address the housing crisis while failing to enforce the laws that could actually solve it.
- Proper enforcement of MHIA 2000 and DTS could:
- Unlock millions of affordable homes
- Create thousands of good-paying jobs
- Boost GDP by up to $2 trillion annually
📎 Up for Growth – $2 Trillion GDP Loss
This is not just a policy debate—it’s a moral and economic imperative. Lawmakers, investors, and stakeholders must act with courage and clarity, not just optics.
Would you like this synthesized into a one-pager for congressional staff or a companion op-ed for Patch or LinkedIn? I can also help visualize the policy stakes with a timeline or infographic.
— MHProNews notes that the screen capture that documents the accuracy of the above is found at this link here, which includes the infographic that Copilot offered and MHProNews accepted. —
3) The refined version of the infographic that Copilot suggested is below.
For newcomers or ICYMI, the following reports are useful – if not essential – FEA-based insights that shine a bright light on the realities vs. the imagined in manufactured housing.
Programming notices. A recent earnings call and other industry developments are on tap for the upcoming week. Stay tuned.
Readers like you helped MHProNews, see updated disclosures, finish well ahead of all others in manufactured housing in September 2025. It was arguably a “God thing.” Can lightning strike twice? Time will tell.
You are readers like you have made MHProNews the runaway most popular source of its kind in MHVille. You expect more “Industry News, Tips, and Views Pros Can Use” © where “We Provide, You Decide.” ©
Again, our thanks to free email subscribers and all readers like you, as well as our tipsters/sources, sponsors and God for making and keeping us the runaway number one source for authentic “News through the lens of manufactured homes and factory-built housing” © where “We Provide, You Decide.” © ## (Affordable housing, manufactured homes, reports, fact-checks, analysis, and commentary. Third-party images or content are provided under fair use guidelines for media.) See Related Reports. Text/image boxes often are hot-linked to other reports that can be access by clicking on them.)
By L.A. “Tony” Kovach – for MHProNews.com.
Tony earned a journalism scholarship and earned numerous awards in history and in manufactured housing.
For example, he earned the prestigious Lottinville Award in history from the University of Oklahoma, where he studied history and business management. He’s a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.
This article reflects the LLC’s and/or the writer’s position and may or may not reflect the views of sponsors or supporters.
Connect on LinkedIn: http://www.linkedin.com/in/latonykovach
