CFPB Clarifies-Discrimination by Lenders On Basis of Sexual Orientation, Gender Identity Illegal – plus, Manufactured Housing Investing, Stock Updates

DowJonesAvg3.09.2021AtCloseYahooMHProNews - CopyThe Consumer Financial Protection Bureau (CFPB) issued an “interpretive rule clarifying that the prohibition against sex discrimination under the Equal Credit Opportunity Act (ECOA) and Regulation B,” said a press release to MHProNews and others in media that was dated 3.9.2021.

The ruling is in response to a “June 15, 2020, the U.S. Supreme Court issued a landmark decision in Bostock v. Clayton County, Georgia, 140 S. Ct. 1731, 207 L. Ed. 2d 218 (2020).”

JDSupra reported on February 17, 2021 that “HUD’s Office of Fair Housing and Equal Opportunity to take a series of actions “to administer and fully enforce the Fair Housing Act to prohibit discrimination because of sexual orientation and gender identity.” HUD already planned on a similar enforcement action.

Biden EO 13988, per JDSupra,The Executive Order states that “under Bostock’s reasoning, laws that prohibit sex discrimination—including Title IX of the Education Amendments of 1972, the Fair Housing Act, and section 412 of the Immigration and Nationality Act, along with their respective implementing regulations—prohibit discrimination on the basis of gender identity or sexual orientation, so long as the laws do not contain sufficient indications to the contrary.”

As the ruling will impact several aspects of manufactured housing finance and selling, that CFPB rule will be our featured focus for tonight.

Before pressing on to tonight’s featured focus and for the benefit our growing numbers of new readers, a few quick evening/nightly market report insights.

  • Every business evening, MHProNews provides a bullet list of left-right news headlines from CNN and in a matter of moments, savvy professionals can see at a glance news headlines and views across the political spectrum.
  • This is a time saving and insightful way to quickly grab insights from across the left-right divide for those who are hooked on this market-nightly feature.
  • Our featured focus follows the quotable quotes, periodic political cartoons, those left-right headlines, and two of our three market summary graphics as reported at the closing bell.
  • After the featured focus, are some recent/related report links and the third manufactured housing focused stock equities graphic. There are some additional items that include the free signup for the manufactured housing industry’s x2 weekly emailed news to the most-read trade publication in our profession:

On a day that saw manufactured home connected equities broadly rise, let’s press ahead toward the insights from a veteran who believes that more is possible with the correct thinking and concerted action.


Quotes That Shed Light – Industry, American, Social, National Issues

Both regulations and taxes are barriers for smaller firms that are more easily navigated by larger firms.



Headlines from left-of-center CNN

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  • Google will stop using ‘cookies’ to track you. Why that’s such a big deal
  • Two years after a global grounding, airlines are quickly bringing 737 Max jets back into service
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  • Piers Morgan attends the 2019 British Academy Britannia Awards presented by American Airlines and Jaguar Land Rover at The Beverly Hilton Hotel on October 25, 2019 in Beverly Hills, California.
  • Piers Morgan leaving ‘Good Morning Britain’ after storming off set over his attacks on Harry and Meghan
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Headlines from right-of-center Newsmax

  • Poll: Newsmax Is 2nd Most Watched by GOP, Now Beating CNN, ABC, NBC
  • Newsmax is apparently the main home for Fox News exiles, with 32% of them tuning in weekly and 20% saying they do so daily.
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  • Devin Nunes: Stimulus Bill Has ‘Nothing to Do with Covid’
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  • Joni Ernst: My Taxpayers ‘Bailing Out’ Broke Blue States
  • WH Says Biden Not Signing Stimulus Checks: ‘Not a Priority’
  • Matt Gaetz: Stimulus Package a ‘Trojan Horse’ for Socialism
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  • Gizzi: WH Tells Newsmax ‘Not Familiar’ With Turkish Businessman Hosting Biden’s Brother
  • Newsmax TV: ‘Cancel Culture’


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  • Burger King UK Tweets: ‘Women Belong in the Kitchen’
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  • Newsfront
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  • Arkansas Gov. Asa Hutchinson on Tuesday signed into law legislation banning nearly all abortions in the state, a sweeping measure that supporters hope will force the U.S. Supreme Court to revisit its landmark Roe v. Wade decision but opponents vow to block before it takes….
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  • Veteran CBS Correspondent Roger Mudd Dies at 93
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  • Poll: Newsmax Is 2nd Most Watched by GOP, Now Beating CNN, ABC, NBC
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  • President of Honduras Helped Smuggle Tons of Cocaine Into US: Prosecutor
  • White House Says Administration Committed to Reviewing Trump Policy Decisions on Cuba
  • Arrington to Newsmax TV: Biden, Dems Abandoning All Bipartisanship
  • LeBron James Refuses to Say If He Will Get COVID-19 Vaccine
  • Rasmussen Poll: Half of US Sees Biden as Unfit to Be President
  • Half of America doubts President Joe Biden is “physically or
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  • Health
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  • More women reported side effects, even serious reactions, after getting their COVID-19 vaccines. A recent study by the Centers for Disease Control and Prevention found that 80% of the 7,000 people who reported side effects… [Full Story]
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Market Indicator Closing Summaries – Yahoo Finance Closing Tickers on MHProNews…


Featured Focus –
Where Business, Politics and Investing Can Meet


The following media release from the CFPB regarding the implementation of the Bostock decision is as follows.

March 9, 2021MEDIA CONTACT:
Office of Communications

Industry is on notice that Bureau will not tolerate illegal discrimination against the LGBTQ+ community

WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) issued an interpretive rule clarifying that the prohibition against sex discrimination under the Equal Credit Opportunity Act (ECOA) and Regulation B includes sexual orientation discrimination and gender identity discrimination. This prohibition also covers discrimination based on actual or perceived nonconformity with traditional sex- or gender-based stereotypes, and discrimination based on an applicant’s social or other associations.

“In issuing this interpretive rule, we’re making it clear that lenders cannot discriminate based on sexual orientation or gender identity,” said CFPB Acting Director David Uejio. “The CFPB will ensure that consumers are protected against such discrimination and provided equal opportunities in credit.”

In 2016, in response to an inquiry from Services & Advocacy for GLBT Elders, the CFPB indicated that the law supports arguments that the prohibition against sex discrimination also affords broad protection from discrimination based on an applicant’s sexual orientation and gender identity under ECOA. On June 15, 2020, the U.S. Supreme Court issued a landmark decision in Bostock v. Clayton County, Georgia, 140 S. Ct. 1731, 207 L. Ed. 2d 218 (2020), holding that the prohibition against sex discrimination in Title VII of the Civil Rights Act of 1964 encompasses sexual orientation discrimination and gender identity discrimination. On July 28, 2020, the CFPB issued a Request for Information (RFI) to solicit public comments and information to identify opportunities to prevent credit discrimination and encourage responsible innovation under ECOA and Regulation B. Among the questions posed, the CFPB asked whether the Bostock decision should affect how the CFPB interprets ECOA.

The CFPB is issuing today’s interpretive rule consistent with the Supreme Court’s Bostock decision and supported by many of the public comments received in response to the ECOA RFI. The CFPB will review its publications and examination guidance documents and, if needed, update these and other materials to reflect this interpretive rule. And, where appropriate, the CFPB will take enforcement action under ECOA to hold financial institutions accountable for their actions that violate ECOA. The CFPB also looks forward to working with Congress on the Equality Act, which, if enacted, would codify protections for consumers against sexual orientation and gender identity discrimination in all financial products and services.

To read the interpretive rule click here.


The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit

Related, Recent, and ‘Read-Hot’ Reports

AmericanInstitutionalFailureAffordableHousingManufacturedHomesNewDurhamEstatesDronePicSunshineHomesInteriorPhotoManufacturedHomeProNews - Copy (2) - Copy

Manufactured Housing Industry Investments Connected Closing Equities Tickers

Some of these firms invest in manufactured housing, or are otherwise connected, but may do other forms of investing or business activities too.

                  • NOTE: The chart below includes the Canadian stock, ECN, which purchased Triad Financial Services, a manufactured home industry lender
                  • NOTE: Drew changed its name and trading symbol at the end of 2016 to Lippert (LCII).
                  • NOTE: Deer Valley was largely taken private, say company insiders in a message to MHProNews on 12.15.2020, but there are still some outstanding shares of  the stock from the days when it was a publicly traded firm.  Thus, there is still periodic activity on DVLY.


ManufacturedHomeCommunitiesMobileHomeParksFactoriesProductionSuppliersFinanceStocksEquitiesClosingInfo3.9.2021 - Copy

Winter 2021

Berkshire Hathaway is the parent company to Clayton Homes, 21st Mortgage, Vanderbilt Mortgage and other factory built housing industry suppliers.
· LCI Industries, Patrick, UFPI, and LP each are suppliers to the manufactured housing industry, among others.
· AMG, CG, and TAVFX have investments in manufactured housing related businesses. For insights from third-parties and clients about our publisher, click here.
Enjoy these ‘blast from the past’ comments.

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Notice, this photo was taken before several on Fox News took a turn away from more right-leaning reporting to more left-leaning or anti-Trump views.

By L.A. “Tony” Kovach – for
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 This article reflects the LLC’s and/or the writer’s position, and may or may not reflect the views of sponsors or supporters.


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