{"id":10039,"date":"2015-07-08T09:18:50","date_gmt":"2015-07-08T14:18:50","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=10039"},"modified":"2015-07-08T11:08:41","modified_gmt":"2015-07-08T16:08:41","slug":"cfpb-imposed-appraisal-rule-for-manufactured-housing-looms-july-18-2015","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-imposed-appraisal-rule-for-manufactured-housing-looms-july-18-2015\/","title":{"rendered":"CFPB Imposed Appraisal Rule for Manufactured Housing Looms, July 18, 2015!"},"content":{"rendered":"<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Ten days from today, the CFPB imposed appraisal rule for manufactured housing goes into effect. There are those who suggest that this is a consumer protection. That reminds me a bit of the Ronald Reagan punch line, <strong><em>\u201cI&#8217;m from the government, and I&#8217;m here to help you.\u201d<\/em><\/strong><\/span><\/span><\/p><div id=\"manuf-1327544282\" class=\"manuf-content manuf-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3870480136270376\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-3870480136270376\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<figure id=\"attachment_9994\" aria-describedby=\"caption-attachment-9994\" style=\"width: 479px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/the-greenback-boogie-cfpbs-manufactured-housing-appraisal-rule-hits-july-18-2015\/\" target=\"_blank\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-9994\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/cfpb-parody-logo-credit-plus1properties-cartoon-credit-MHProNews-com-c2015-all-rights-reserved-.jpg\" alt=\"cfpb-parody-logo-credit-plus1properties-cartoon-credit-MHProNews-com-(c)2015-all-rights-reserved-\" width=\"479\" height=\"312\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/cfpb-parody-logo-credit-plus1properties-cartoon-credit-MHProNews-com-c2015-all-rights-reserved-.jpg 479w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/cfpb-parody-logo-credit-plus1properties-cartoon-credit-MHProNews-com-c2015-all-rights-reserved--150x98.jpg 150w\" sizes=\"(max-width: 479px) 100vw, 479px\" \/><\/a><figcaption id=\"caption-attachment-9994\" class=\"wp-caption-text\">Original CFPB logo parody credit &#8211; Plus1Properties. Cartoon credit &#8211; MHProNews.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">First, for those who aren&#8217;t among the thousands who have already accessed one of the three reports we have on manufactured homes and appraisals, let&#8217;s share those links below.<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>21<sup>st<\/sup> Mortgage<\/b><\/span><\/span><\/p>\n<p><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2015\/137-financing\/9809-new-consumer-financial-protection-bureau-appraisal-rule-effective-july-18-2015\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">http:\/\/www.MHProNews.com\/home\/featured-articles\/july-2015\/137-financing\/9809-<\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>new-consumer-financial-protection-bureau-appraisal-rule-effective-july-18-2015<\/b><\/span><\/span><\/a><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Triad Financial <\/b><\/span><\/span><\/p>\n<p><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2015\/137-financing\/9813-triad-financial-services-position-regarding-7-18-15-implementation-of-new-appraisal-rules\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">http:\/\/www.MHProNews.com\/home\/featured-articles\/july-2015\/137-financing\/9813-<\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>triad-financial-services-position-regarding-7-18-15-implementation-of-new-appraisal-rules<\/b><\/span><\/span><\/a><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">This third link is about appraisals, but not per-se about the new appraisal rule. Nevertheless, it is an important topic for all doing MH land\/home deals!<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Cascade Financial<\/b><\/span><\/span><\/p>\n<p><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2015\/137-financing\/9815-about-appraisals-on-fha-and-va-land-home-manufactured-housing-loans\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">http:\/\/www.MHProNews.com\/home\/featured-articles\/july-2015\/137-financing\/9815-<\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>about-appraisals-on-fha-and-va-land-home-manufactured-housing-loans<\/b><\/span><\/span><\/a><\/p>\n<figure id=\"attachment_346\" aria-describedby=\"caption-attachment-346\" style=\"width: 398px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2010\/04\/lemonade_by_jaimeanne.png\"><img decoding=\"async\" class=\"size-full wp-image-346\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2010\/04\/lemonade_by_jaimeanne.png\" alt=\"Lemonade_photo courtesy of_jaimeanne\" width=\"398\" height=\"383\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2010\/04\/lemonade_by_jaimeanne.png 398w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2010\/04\/lemonade_by_jaimeanne-125x120.png 125w\" sizes=\"(max-width: 398px) 100vw, 398px\" \/><\/a><figcaption id=\"caption-attachment-346\" class=\"wp-caption-text\">&#8220;When Life hands you Lemons, make Lemonade&#8221; photo courtesy of jaimeanne<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Making the Bitter, Sweeter<\/b><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">There are those who are working to make, as they put it, lemonade out of lemons on this appraisal rule. That is as it should be. Our team and myself truly do hope it works out for all involved. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">That said, let&#8217;s briefly explain why this rule was logically <i>unnecessary. <\/i><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>The Market At Work<\/b><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">No lender wants to finance a home for more than it&#8217;s reasonably worth. For decades, there has been ways of getting a third party appraisal or estimated value on a manufactured home that was selling either chattel or as part of a land\/home package. The new rule is focused on home-only transactions, those not in the CFPB&#8217;s QM (see the top two links above). <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">So because a smart lender wants to make a good loan, <i>there was already consumer protection in place. <\/i><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Because MH lenders are lending their own dollars &#8211; vs. government-backed loan dollars &#8211; by MH lenders protecting their interests, <i>they are also protecting those of the consumer buying the home.<\/i> That&#8217;s the natural beauty of the free enterprise system at work. A lender won&#8217;t knowingly finance a home for more than its worth, thus the consumer isn&#8217;t paying more than a home is worth. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Because government is far from free \u2013 every regulation has a cost and impact &#8211; the CFPB&#8217;s new rule is simply adding a new layer of expenses on businesses. Sooner or later, those government-imposed added costs have to be paid by John Q. Public, or those businesses won&#8217;t stay in business.<\/span><\/span><\/p>\n<figure id=\"attachment_9925\" aria-describedby=\"caption-attachment-9925\" style=\"width: 575px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomelivingnews.com\/cfed-and-cfpb-confused-conflicted-friends-of-manufactured-home-owners-and-prospective-buyers\/\" target=\"_blank\"><img decoding=\"async\" class=\"size-medium wp-image-9925\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/06\/conflict-of-interests-corporation-for-enterprise-development-cfed-consumer-financial-protection-bureau-cfpb-posted-manufacturedhomelivingnews-mhlivingnews-com-575x330-575x330.jpg\" alt=\"conflict-of-interests-corporation-for-enterprise-development-cfed-consumer-financial-protection-bureau-cfpb-posted-manufacturedhomelivingnews-mhlivingnews-com--575x330\" width=\"575\" height=\"330\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/06\/conflict-of-interests-corporation-for-enterprise-development-cfed-consumer-financial-protection-bureau-cfpb-posted-manufacturedhomelivingnews-mhlivingnews-com-575x330.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/06\/conflict-of-interests-corporation-for-enterprise-development-cfed-consumer-financial-protection-bureau-cfpb-posted-manufacturedhomelivingnews-mhlivingnews-com-575x330-150x86.jpg 150w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><figcaption id=\"caption-attachment-9925\" class=\"wp-caption-text\">Each logo above is the property of their respective organization.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">On read-hot <\/span><\/span><a href=\"http:\/\/MHLivingNews.com\/\" target=\"_blank\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>MHLivingNews<\/b><\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">.com<\/span><\/span><\/a><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">, we documented cases of <a href=\"http:\/\/manufacturedhomelivingnews.com\/sam-landy-umh-ceo-on-dodd-frank-and-the-preserving-access-to-manufactured-housing-act-s-682hr-650\/\" target=\"_blank\">companies that were making MH loans that no longer are doing so because of CFPB&#8217;s imposed regulatory burdens and risks.<\/a> CFED&#8217;s Katherine Lucas McKay can cry on their blog all they want to on this topic. But the reality, as we documented in this report, is that <a href=\"http:\/\/manufacturedhomelivingnews.com\/cfed-and-cfpb-confused-conflicted-friends-of-manufactured-home-owners-and-prospective-buyers\/\" target=\"_blank\">there is an apparent conflict-of-interest involving CFED and the CFPB<\/a>. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Please note that nowhere in her column on the CFED blog has McKay refuted any point made about their alleged conflict-of-interest or our other various reports on the negative impact of CFPB regulations on MH owners or potential customers. Ms. McKay simply recycled the same talking points that Doug Ryan used before her. By the way, Mr. Ryan, <em>what happened to that video debate on the impact of CFPB regulations on manufactured homes you were going to do with me?<\/em><\/span><\/span><\/p>\n<figure id=\"attachment_10042\" aria-describedby=\"caption-attachment-10042\" style=\"width: 559px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/cfed.org\/blog\/inclusiveeconomy\/im_home_fights_back_against_regulations_that_hurt_owners_of_manufactured_homes\/#comment_form_anchor\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-10042 size-full\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DougRyan-CFED-LATonyKovach-MHProNews-.png\" alt=\"DougRyan-CFED-LATonyKovach-MHProNews-\" width=\"559\" height=\"437\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DougRyan-CFED-LATonyKovach-MHProNews-.png 559w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DougRyan-CFED-LATonyKovach-MHProNews--150x117.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DougRyan-CFED-LATonyKovach-MHProNews--550x430.png 550w\" sizes=\"(max-width: 559px) 100vw, 559px\" \/><\/a><figcaption id=\"caption-attachment-10042\" class=\"wp-caption-text\">Part of the comments posted by CFED and MH Pros to date. \u00a0To see all, <a href=\"http:\/\/cfed.org\/blog\/inclusiveeconomy\/im_home_fights_back_against_regulations_that_hurt_owners_of_manufactured_homes\/#comment_form_anchor\" target=\"_blank\">click the link here<\/a> or the image above. Note, we credit CFED for leaving the comments posted up, and have been doing screen captures on them periodically.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">One last point for now about Ms. McKay&#8217;s column. \u00a0Stop and think about her title:<\/span><\/span><\/p>\n<p align=\"CENTER\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i><b>I&#8217;m Home Fights Back Against Regulations that hurt Owners of Manufactured Homes<\/b><\/i><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We can only hope for that today! <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">What they published in their headline was a<em> faux pas<\/em> from their own viewpoint. They aren&#8217;t pushing back on regulations. Rather, <\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i>what they want to do is fend off the proposed reforms to amend CFPB regulations. <\/i><\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">So not even their headline is logically correct. Should you decide to read Ms. McKay&#8217;s column (see link below the comments graphic or click on the comments graphic), do make sure you read the MH Comments posted there. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">It&#8217;s manufactured housing professionals, businesses and associations that are protecting MH home owners by fighting back against regulations that harm consumers and businesses alike. There is a bi-partisan push for <a href=\"http:\/\/manufacturedhomelivingnews.com\/she-black-hes-white-theyre-in-different-parties-why-congressional-representatives-terri-sewell-and-andy-barr-support-preserving-access-to-manufactured-housing\/\" target=\"_blank\">HR 650 \u2013 which passed overwhelmingly<\/a> \u2013 and the companion Senate bill, <a href=\"http:\/\/manufacturedhomelivingnews.com\/u-s-senator-joe-donnelly-and-others-on-the-preserving-access-to-manufactured-housing-act-s-682-and-hr-650\/\" target=\"_blank\">S 682, which has a Democratic sponsor<\/a>. What CFED and others are doing is fighting to keep the regulations that are <a href=\"http:\/\/manufacturedhomelivingnews.com\/u-s-senator-joe-donnelly-and-others-on-the-preserving-access-to-manufactured-housing-act-s-682-and-hr-650\/\" target=\"_blank\">proven to harm MH buyers and residents alike.<\/a> <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>More National Media Coming Soon&#8230;?<\/b><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We have sources telling us that a national news outlet will be covering this MH finance issue on TV in a few weeks. More on that and other pending MH news in the media, soon. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Thanks to those who see a government solution to almost every imagined problem, consumers now have a new rule that impacts manufactured home retailers and communities just days away. What will the impact of the appraisal rule be? Time will tell, but you don&#8217;t have to be a rocket scientist to see why there needs to be a re-balance in how business is done in DC. If you missed the two prior<i><b> Masthead \u00a0<\/b><\/i>posts, kindly check them out. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">In closing, we empathize with those who want to do right by consumers and the public. I don&#8217;t doubt there are many who act with good intentions. \u00a0We are pleased that CFED and others see the intrinsic value and growing need for manufactured homes. \u00a0On those levels, we have and continue to applaud them. \u00a0We&#8217;ve<a href=\"http:\/\/manufacturedhomelivingnews.com\/american-bankers-urged-to-lend-more-on-manufactured-homes\/\" target=\"_blank\"> given CFED positive digital-ink before<\/a>, and would gladly do so again, should they change course by correcting their clear errors on this financing topic.<\/span><\/span><\/p>\n<figure id=\"attachment_10040\" aria-describedby=\"caption-attachment-10040\" style=\"width: 575px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomelivingnews.com\/sam-landy-umh-ceo-on-dodd-frank-and-the-preserving-access-to-manufactured-housing-act-s-682hr-650\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-10040\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/rosskinzler-wisconsinhousingalliance-negativeimpact-manufacturedhomelending-posted-masthead-blog-mhpronews--575x335.png\" alt=\"rosskinzler-wisconsinhousingalliance-negativeimpact-manufacturedhomelending-posted-masthead-blog-mhpronews-\" width=\"575\" height=\"335\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/rosskinzler-wisconsinhousingalliance-negativeimpact-manufacturedhomelending-posted-masthead-blog-mhpronews--575x335.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/rosskinzler-wisconsinhousingalliance-negativeimpact-manufacturedhomelending-posted-masthead-blog-mhpronews--150x88.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/rosskinzler-wisconsinhousingalliance-negativeimpact-manufacturedhomelending-posted-masthead-blog-mhpronews-.png 576w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><figcaption id=\"caption-attachment-10040\" class=\"wp-caption-text\">Our thanks to Ross Kinzler and the WHA for providing this chart. This shows the steep decline since CFPB regulations hit. \u00a0The facts above<a href=\"http:\/\/manufacturedhomelivingnews.com\/sam-landy-umh-ceo-on-dodd-frank-and-the-preserving-access-to-manufactured-housing-act-s-682hr-650\/\" target=\"_blank\"> dovetails with information published in the report linked here that shows this is impacting lenders natinoally<\/a>, not just in WI.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">But the time is now to see how those good intentions have actually played out in the real world. We must look at how those CFPB regulations have actually impacted the marketplace! CFED\u00a0<em>et al<\/em> can just look at the chart above, courtesy of the Wisconsin Housing Alliance, to see how in their state, the number of lenders making loans on MH dropped like a rock once the CFPB regulations went into effect.<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Less lending? How does that help MH consumers and businesses? CFPB\/Richard Cordray, are you listening? Seattle Times\/Center for Public Integrity, are you seeing the facts linked above that you somehow managed to overlook in your reports? <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Our sources tell us that a new anti-HR 650\/S 682 push looms. Expect it to be visible anew in the media.\u00a0<b>The Preserving Access to Manufactured Housing Act<\/b> is just one battle in a longer struggle against over-regulation. Its a battle that the opposition is fighting hard to win. What are you and your associates doing to make sure that we protect more MH consumers by getting that bill passed in the Senate and signed into law? ##<\/span><\/span><\/p>\n<figure id=\"attachment_9764\" aria-describedby=\"caption-attachment-9764\" style=\"width: 275px\" class=\"wp-caption alignleft\"><a href=\"http:\/\/manufacturedhomelivingnews.com\/from-entry-level-to-elegant-inside-look-at-the-louisville-manufactured-housing-show\/\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-9764\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/LATonyKovach-Louisville-2015-mhpronews-com-275x156-11.jpg\" alt=\"LATonyKovach-Louisville-2015-mhpronews-com-275x156-1\" width=\"275\" height=\"156\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/LATonyKovach-Louisville-2015-mhpronews-com-275x156-11.jpg 275w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/LATonyKovach-Louisville-2015-mhpronews-com-275x156-11-150x85.jpg 150w\" sizes=\"(max-width: 275px) 100vw, 275px\" \/><\/a><figcaption id=\"caption-attachment-9764\" class=\"wp-caption-text\">L. A. &#8220;Tony&#8217; Kovach shown here in an educational session in Louisville, KY.<\/figcaption><\/figure>\n<p style=\"text-align: left;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">By <\/span><\/span><a href=\"http:\/\/latonykovach.com\/recommendations-and-testimonials.php\" target=\"_blank\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">L. A. &#8216;Tony&#8217; Kovach<\/span><\/span><\/a><span style=\"color: #333333;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ten days from today, the CFPB imposed appraisal rule for manufactured housing goes into effect. There are those who suggest that this is a consumer protection. That reminds me a bit of the Ronald Reagan punch line, \u201cI&#8217;m from the government, and I&#8217;m here to help you.\u201d First, for those who aren&#8217;t among the thousands &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-imposed-appraisal-rule-for-manufactured-housing-looms-july-18-2015\/\"> <span class=\"screen-reader-text\">CFPB Imposed Appraisal Rule for Manufactured Housing Looms, July 18, 2015!<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5073],"tags":[3676,4037,3918,3997,4038,4039,164,4041,3925,4040],"class_list":["post-10039","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-cfed","tag-cfpb-appraisal-rule-for-manufactured-housing","tag-doug-ryan","tag-hr-650s-682","tag-im-home","tag-katherine-lucas-mckay","tag-manufactured-housing-financing","tag-mobile-home-loans-sic","tag-preserving-access-to-manufactured-housing-act","tag-seattle-timescenter-for-public-integrity"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CFPB Imposed Appraisal Rule for Manufactured Housing Looms, July 18, 2015! - Masthead L. A. &#039;Tony&#039; Kovach<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-imposed-appraisal-rule-for-manufactured-housing-looms-july-18-2015\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CFPB Imposed Appraisal Rule for Manufactured Housing Looms, July 18, 2015! - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Ten days from today, the CFPB imposed appraisal rule for manufactured housing goes into effect. There are those who suggest that this is a consumer protection. That reminds me a bit of the Ronald Reagan punch line, \u201cI&#8217;m from the government, and I&#8217;m here to help you.\u201d First, for those who aren&#8217;t among the thousands &hellip; CFPB Imposed Appraisal Rule for Manufactured Housing Looms, July 18, 2015! Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-imposed-appraisal-rule-for-manufactured-housing-looms-july-18-2015\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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