{"id":10094,"date":"2015-07-22T17:06:42","date_gmt":"2015-07-22T22:06:42","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=10094"},"modified":"2015-07-22T18:01:49","modified_gmt":"2015-07-22T23:01:49","slug":"manufactured-housing-pros-want-more-lending-ready-to-change-cfpb-regs-dont-miss-this","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-pros-want-more-lending-ready-to-change-cfpb-regs-dont-miss-this\/","title":{"rendered":"Manufactured Housing Pros, Want More Lending? Ready to Change CFPB Regs? DON\u2019T Miss This\u2026"},"content":{"rendered":"<p>I&#8217;m picturing a manufactured home community owner who was standing at the entry door in the back of an association meeting.\u00a0 He looked stunned, bewildered and lost.\u00a0 When asked, he tried to express to me his frustration, and sense of helplessness, over federal finance regulations that hit his business. He&#8217;d served MH owners and buyers for decades.\u00a0 Now, it was all changing so rapidly, his head was spinning.<\/p><div id=\"manuf-3301766409\" 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<p>Next image was another MHC owner, in different state and another association\u2019s meeting.\u00a0 That man explained how his family business jumped-the-hoops to get an MLO on staff.\u00a0 However, that MLO left him after a few months.\u00a0 Their volume of loans was too low, he said, to keep someone. \u00a0 This MHC owner was trying to comply with rules that did not help buyer or seller, as they made no money on financing of a home. \u201cAngry\u201d is how I would describe him.<\/p>\n<p><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-medium wp-image-10100\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews-573x430.png\" alt=\"I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews\" width=\"573\" height=\"430\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews-573x430.png 573w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews-150x113.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews-900x675.png 900w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/I-am-only-one-but-I-am-one-I-cannot-do-everything-but-I-can-do-something-do-interfere-with-what-I-can-do-EdwardEverettHale-image-wikicommons-posterc2015-mhpronews.png 1024w\" sizes=\"(max-width: 573px) 100vw, 573px\" \/><\/a><\/p>\n<p>Retailers and others have approached me at trade shows like Louisville and Tunica, often to vent. \u00a0Sometimes, they wanted to explain that they were trying, but afraid that all these changes would drive them from the business they\u2019d worked in for x number of years.<\/p>\n<p>Odds are good you know stories like these. <em>Maybe you have one of your own?<\/em><\/p>\n<figure id=\"attachment_9357\" aria-describedby=\"caption-attachment-9357\" style=\"width: 266px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/LISTEN-ky-olsen-flickrcreativecommons-posted-masthead-blog-mhpronews-.jpg\"><img decoding=\"async\" class=\" wp-image-9357\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/LISTEN-ky-olsen-flickrcreativecommons-posted-masthead-blog-mhpronews-.jpg\" alt=\"LISTEN-ky-olsen-flickrcreativecommons-posted-masthead-blog-mhpronews-\" width=\"266\" height=\"225\" \/><\/a><figcaption id=\"caption-attachment-9357\" class=\"wp-caption-text\">Image credit &#8211; KY Olsen, Flickr Creative Commons.<\/figcaption><\/figure>\n<p><strong>The other stories going untold<\/strong><\/p>\n<p>Then there are the MH home owners who can&#8217;t sell his under $20,000 home for what it was worth, because once the CFPB regulations hit, lenders that made those loans pulled out from that segment of the MH market. \u00a0It was no longer possible to make those loans without more risk than their was chance for profit. \u00a0Yes, we\u2019ve spoken or heard from consumers impacted too.<\/p>\n<figure id=\"attachment_9399\" aria-describedby=\"caption-attachment-9399\" style=\"width: 326px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash-bag-wikicommons-posted-mhpronews-1.jpg\"><img decoding=\"async\" class=\"size-full wp-image-9399\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash-bag-wikicommons-posted-mhpronews-1.jpg\" alt=\"cash-bag-wikicommons--posted-mhpronews- (1)\" width=\"326\" height=\"226\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash-bag-wikicommons-posted-mhpronews-1.jpg 326w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash-bag-wikicommons-posted-mhpronews-1-150x103.jpg 150w\" sizes=\"(max-width: 326px) 100vw, 326px\" \/><\/a><figcaption id=\"caption-attachment-9399\" class=\"wp-caption-text\">Closed cash bag&#8230;Photo credit, WikiCommons.<\/figcaption><\/figure>\n<p><strong><em>If you love<\/em><\/strong> \u00a0all the ways that the Consumer Financial Protection Bureau (CFPB) is implementing regulations relating to on manufactured home financing, brought on by 5 year old Dodd-Frank legislation, save sometime and stop here.<\/p>\n<p>On the other hand, if<strong> you feel that the regulations should change<\/strong>, that MH homeowners and businesses need to speak up NOW&#8230;then please do two things, right now today. Both are easy, 10 minutes and you\u2019re done.<\/p>\n<figure id=\"attachment_10095\" aria-describedby=\"caption-attachment-10095\" style=\"width: 250px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-10095\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/u-s-capitol-building-creditdc-shpo-posted-daily-business-news-mhpronews-com-.jpg\" alt=\"u-s-capitol-building-creditdc-shpo-posted-daily-business-news-mhpronews-com-\" width=\"250\" height=\"166\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/u-s-capitol-building-creditdc-shpo-posted-daily-business-news-mhpronews-com-.jpg 250w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/u-s-capitol-building-creditdc-shpo-posted-daily-business-news-mhpronews-com--150x100.jpg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/a><figcaption id=\"caption-attachment-10095\" class=\"wp-caption-text\">Photo credit -SHPO. Please click on the photo above to take you to the<a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\"> Congressional Blog,<\/a> its awaiting YOUR comment.<\/figcaption><\/figure>\n<ul>\n<li>Please read this article linked on The Hill&#8217;s Congressional Blog, \u00a0Congress and their staffs, Policy Advocates, the CFPB, the media and others read this blog.<\/li>\n<\/ul>\n<p><a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\">http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans<\/a><\/p>\n<ul>\n<li>Briefly tell your own story in their comments section. Congressional staff, House and Senate Members, regulators and even the WH reads <strong><em>The Hill<\/em><\/strong><\/li>\n<\/ul>\n<p>Here are 4 MH Industry examples&#8230;<\/p>\n<p><a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-10107\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/ChadHausenfluck-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com--575x87.png\" alt=\"ChadHausenfluck-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com-\" width=\"575\" height=\"87\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/ChadHausenfluck-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com--575x87.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/ChadHausenfluck-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com--150x23.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/ChadHausenfluck-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com-.png 637w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p><a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-10096\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/TomFath-CFPBshouldImplementHR650S682onTheHillCongressionalBlog-ManufacturedHomeLoans-575x98.png\" alt=\"TomFath-CFPBshouldImplementHR650S682onTheHillCongressionalBlog-ManufacturedHomeLoans\" width=\"575\" height=\"98\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/TomFath-CFPBshouldImplementHR650S682onTheHillCongressionalBlog-ManufacturedHomeLoans-575x98.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/TomFath-CFPBshouldImplementHR650S682onTheHillCongressionalBlog-ManufacturedHomeLoans-150x26.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/TomFath-CFPBshouldImplementHR650S682onTheHillCongressionalBlog-ManufacturedHomeLoans.png 645w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-10108\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DwayneSomerville-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com--575x84.png\" alt=\"DwayneSomerville-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com-\" width=\"575\" height=\"84\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DwayneSomerville-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com--575x84.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DwayneSomerville-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com--150x22.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/DwayneSomerville-FairfieldHomes-PassS682levelPlayingField-HillCongressionalBlog-postedMastheadMHProNews-com-.png 643w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p><a href=\"http:\/\/thehill.com\/blogs\/congress-blog\/economy-budget\/248665-regulations-for-manufactured-home-loans\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-10097\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/RossKinzler-comment-TheHillCongressionalBlog-RegulationsForManufacturedHomeLoans-posted-mastheadblog-MHProNews-com--575x178.png\" alt=\"RossKinzler-comment-TheHillCongressionalBlog-RegulationsForManufacturedHomeLoans-posted-mastheadblog-MHProNews-com-\" width=\"575\" height=\"178\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/RossKinzler-comment-TheHillCongressionalBlog-RegulationsForManufacturedHomeLoans-posted-mastheadblog-MHProNews-com--575x178.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/RossKinzler-comment-TheHillCongressionalBlog-RegulationsForManufacturedHomeLoans-posted-mastheadblog-MHProNews-com--150x46.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/RossKinzler-comment-TheHillCongressionalBlog-RegulationsForManufacturedHomeLoans-posted-mastheadblog-MHProNews-com-.png 638w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p>..<strong><em>.please join them. \u00a0Perhaps 5, 10 minutes and you&#8217;re done.<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/1-mhpronews-com-.png\"><br \/>\n<\/a> <a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com-.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-10099\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com--573x430.jpg\" alt=\"Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com-\" width=\"573\" height=\"430\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com--573x430.jpg 573w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com--150x113.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com--900x675.jpg 900w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/Its-better-to-light-one-candle-than-curse-the-darkness-theChristophersMotto-wikicommons-candle-MastheadBlogMHProNews-com-.jpg 1024w\" sizes=\"(max-width: 573px) 100vw, 573px\" \/><\/a><\/p>\n<p>Don&#8217;t curse the darkness, <em>light the candle.<\/em> Yours. Don&#8217;t wait for someone else to do it<em>, you be the one.\u00a0<\/em>Let\u2019s let DC know that this issue matters to manufactured home owners and businesses. HR 650 passed the House by a wide margin. \u00a0The Senate vote looms. \u00a0Send a messge. ##<\/p>\n<p><a href=\"http:\/\/manufacturedhomelivingnews.com\/from-entry-level-to-elegant-inside-look-at-the-louisville-manufactured-housing-show\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\" size-full wp-image-9870 alignleft\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/l.a.tonykovach-us-supreme-court-washington-dc-mhpronews-com-.png\" alt=\"l.a.'tony'kovach-us-supreme-court-washington-dc-mhpronews-com-\" width=\"243\" height=\"217\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/l.a.tonykovach-us-supreme-court-washington-dc-mhpronews-com-.png 243w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/l.a.tonykovach-us-supreme-court-washington-dc-mhpronews-com--150x134.png 150w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>By <a href=\"LATonyKovach.com\">L. A. \u201cTony\u201d Kovach<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I&#8217;m picturing a manufactured home community owner who was standing at the entry door in the back of an association meeting.\u00a0 He looked stunned, bewildered and lost.\u00a0 When asked, he tried to express to me his frustration, and sense of helplessness, over federal finance regulations that hit his business. He&#8217;d served MH owners and buyers &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-pros-want-more-lending-ready-to-change-cfpb-regs-dont-miss-this\/\"> <span class=\"screen-reader-text\">Manufactured Housing Pros, Want More Lending? Ready to Change CFPB Regs? DON\u2019T Miss This\u2026<\/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":[3676,4061,3918,4060,4062,4059,4063],"class_list":["post-10094","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-cfed","tag-consumer-financial-protection-bureau-cfpb","tag-doug-ryan","tag-finance-regulations-manufactured-homes","tag-mh-loans-hr-650s-682-ross-kinzler","tag-the-hill-blog","tag-tom-fath"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Manufactured Housing Pros, Want More Lending? Ready to Change CFPB Regs? DON\u2019T Miss This\u2026 - 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\/manufactured-housing-pros-want-more-lending-ready-to-change-cfpb-regs-dont-miss-this\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Manufactured Housing Pros, Want More Lending? Ready to Change CFPB Regs? DON\u2019T Miss This\u2026 - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"I&#8217;m picturing a manufactured home community owner who was standing at the entry door in the back of an association meeting.\u00a0 He looked stunned, bewildered and lost.\u00a0 When asked, he tried to express to me his frustration, and sense of helplessness, over federal finance regulations that hit his business. He&#8217;d served MH owners and buyers &hellip; Manufactured Housing Pros, Want More Lending? Ready to Change CFPB Regs? DON\u2019T Miss This\u2026 Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-pros-want-more-lending-ready-to-change-cfpb-regs-dont-miss-this\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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