{"id":10894,"date":"2015-12-16T17:15:08","date_gmt":"2015-12-16T23:15:08","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=10894"},"modified":"2015-12-16T17:18:00","modified_gmt":"2015-12-16T23:18:00","slug":"mh-coming-up-short-again","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/mh-coming-up-short-again\/","title":{"rendered":"MH Coming up Short, Again&#8230;"},"content":{"rendered":"<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Hundreds of MH pros gave a good effort for inclusion of <\/span><\/span><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/december-2015\/137-financing\/10648-act-now-for-enhanced-manufactured-home-lending\" target=\"_blank\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i><b>Preserving Access<\/b><\/i><\/span><\/span><\/a><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"> to the omnibus appropriations bill. Certainly, every good effort need not be in vain, as contacts and relationship are forged that can be fruitful later in life. <\/span><\/span><\/p><div id=\"manuf-3625459239\" 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><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We were among those who were keenly involved in promoting inclusion of S 682\/HR 650. But MHI released word that it was not going to happen, <a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/OmnibusSpendingAgreementisReachedWithoutReforms-to-theDodd-FrankAct-MHI-HousingAlert-posted-MastheadBlog-MHProNews-.pdf\" target=\"_blank\">see the attached &#8220;Housing Alert&#8221; from them<\/a>.<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Similarly, MHARR reports that the word heard from FHFA on GSE reform that includes MH chattel that likewise isn&#8217;t favorable. Again, many have made good efforts. Here is a <a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/MHARR-FHFAfailsConsumersDutyToServeManufacturedHousing-12.16.2015-posted-MastheadBlog-MHProNews-com-.pdf\" target=\"_blank\">link to a download of MHARR&#8217;s statement<\/a>. \u00a0Here is\u00a0the <a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/MHARR-FHFAfailsConsumersDutyToServeManufacturedHousing-12.16.2015-posted-MastheadBlog-MHProNews-com-.pdf\" target=\"_blank\">FHFA statement on the subject<\/a>. The <a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/MHARR-FHFAfailsConsumersDutyToServeManufacturedHousing-12.16.2015-posted-MastheadBlog-MHProNews-com-.pdf\" target=\"_blank\">related FHFA &#8216;fact sheet,&#8217; can be downloaded here.<\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">There are many thoughts going through my mind on this topic. Today, we will focus on what others have said, on and off the record, on this topic.<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">MHI and MHARR&#8217;s positions are linked above. The next comment comes from a well placed source, off the record, and for publication. <\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"color: #000000;\">\u201c<\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Since no Dodd-Frank reforms got into the budget bill, I&#8217;m disappointed, but not upset at MHI. I know the bankers had Dodd-Frank reform legislation too. Their reforms weren&#8217;t accepted either. I suspect that there are very few bankers around the U.S. second guessing the ABA.<\/span><\/span><\/span><\/p>\n<figure id=\"attachment_10901\" aria-describedby=\"caption-attachment-10901\" style=\"width: 342px\" class=\"wp-caption alignleft\"><img fetchpriority=\"high\" decoding=\"async\" class=\" wp-image-10901\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com--575x430.png\" alt=\"BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com-\" width=\"342\" height=\"256\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com--575x430.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com--150x112.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com--768x574.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com--1024x765.png 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com--900x672.png 900w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/12\/BrokenCongress-credit-tomtwomeyseries-posted-DailyBusinessNews-com-.png 1040w\" sizes=\"(max-width: 342px) 100vw, 342px\" \/><figcaption id=\"caption-attachment-10901\" class=\"wp-caption-text\">Image credit: tomtwomeyseries.<\/figcaption><\/figure>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">It&#8217;s no secret that this is a very dysfunctional Congress.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">That is the real story. Congress is a two year proposition.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We have to use the momentum gained this year and carry forward into 2016. Will the bill pass next year? I don&#8217;t know. But what I do know is that an internecine battle will do us no good.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">As for duty to serve and chattel lending, prospects aren&#8217;t the brightest, but the door wasn&#8217;t completely closed. Our brightest financial minds and creative thinkers will have to come up with a strategy and solution that satisfies the regulator<\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">.\u201d<\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Another high-level, MH insider said the following.<\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"color: #000000;\">\u201c<\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Tony, \u00a0My comments below are off the record.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Preserving Access<\/b>: \u00a0 While I am disappointed, I am not particularly surprised. \u00a0None of the Dodd-Frank reforms in Shelby&#8217;s bill got in and I am sure there were some pretty big players doing all they could do to get it in. All of the other issues going on in this country, which is so screwed up thanks to the current administration, make our issues seem small by comparison&#8230;.not small to us, but small in context. Legislation is a 2 yr cycle, so we do not have to reintroduce a new bill. \u00a0Our legislation lives to fight in 2016.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>DTS<\/b>: \u00a0I am very disappointed that we did not get any specific mention on chattel loans. \u00a0I think it is time to pull out all of the stops and &#8220;flood, flood, flood&#8221; the FHFA with comments during the comment period. We need to get all our community groups to get their residents to comment. \u00a0Not in form letter fashion and not in petition format but something that is brief, to the point and in no uncertain terms blasts their biased approach providing a market in some form. This shows that the GSE&#8217;s prevailed and even the consumer advocates in DC got the stiff arm too<span style=\"color: #000000;\">.\u201d<\/span><\/span><\/span><\/span><br \/>\n<span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>OTR- On the Record<\/b><\/span><\/span><\/p>\n<figure id=\"attachment_7584\" aria-describedby=\"caption-attachment-7584\" style=\"width: 100px\" class=\"wp-caption alignleft\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/industryvoices\/about-missing-passage-of-preserving-access-2\/\" target=\"_blank\"><img decoding=\"async\" class=\"size-full wp-image-7584\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/02\/don-glisson-jr-triad-financial-new-posted-masthead-blog-mhpronews-com-.jpg\" alt=\"don-glisson-jr-triad-financial-new-posted-masthead-blog-mhpronews-com-\" width=\"100\" height=\"124\" \/><\/a><figcaption id=\"caption-attachment-7584\" class=\"wp-caption-text\">Don Glisson, Jr. leads Triad Financial Services, a 5 decade MH lender and prior MHI Chairman.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We have a for-the-record commentary tied to both of these important MH financing issues, from Triad Financial&#8217;s CEO, Don Glisson, Jr. You can find his candid thoughts, <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/industryvoices\/about-missing-passage-of-preserving-access-2\/\" target=\"_blank\">linked here.<\/a> <\/span><\/span><\/p>\n<p><b><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Another Leader&#8230;Off The Record<\/span><\/span><\/b><\/p>\n<p>\u201c<span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">It is very difficult to explain and make rational the legislative process to laypeople. It is also a lot to ask them to constantly contact these people in Washington, when they are trying to just stay alive on a retail lot. So, if I said apathy, it might have been in a moment of frustration. <\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">It is hard even for a tempered veteran like me to keep in the trenches when time and again we are repelled by the barbarians, when it is clear to everyone what we are seeking is minuscule. It becomes disheartening, I suppose, is what I would say. I really don\u2019t blame MHI. I remain amazed, in fact, about their continued resilience in the face of repeated defeats&#8230;I cannot <span style=\"color: #000000;\">(begin)<\/span> to conceive of lobbying a bill through Congress. And truly, Rick and Lesli have been thrown into the middle of a huge catfight that began well before either of them<span style=\"color: #000000;\"> (were)<\/span> in a position to affect it. <\/span><\/span><\/span><\/p>\n<p><span style=\"color: #b84700;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">So, I think I am giving everyone a pass. And I repeatedly have to kick myself in the ass to make sure that I am doing enough and doing it without offending my team players. I hope that make some sense<\/span><\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">.\u201d<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Let&#8217;s learn some lessons, regroup and do it better. Your thoughts? More this weekend. ##<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/LATonyKovach.com\" target=\"_blank\"><img decoding=\"async\" class=\"alignleft size-full wp-image-9648\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/tony-kovach.jpg\" alt=\"tony- kovach\" width=\"50\" height=\"50\" \/><\/a>By <a href=\"http:\/\/LATonyKovach.com\/\" target=\"_blank\">L. A. \u201cTony\u201d Kovach<\/a>.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hundreds of MH pros gave a good effort for inclusion of Preserving Access to the omnibus appropriations bill. Certainly, every good effort need not be in vain, as contacts and relationship are forged that can be fruitful later in life. We were among those who were keenly involved in promoting inclusion of S 682\/HR 650. &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/mh-coming-up-short-again\/\"> <span class=\"screen-reader-text\">MH Coming up Short, Again&#8230;<\/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":[4261,354,4262,4263,864,807],"class_list":["post-10894","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-duty-to-serve-dts","tag-fhfa","tag-government-sponsored-enterprises-gses","tag-loans-for-manufactured-housing","tag-manufactured-housing-association-for-regulatory-reform-mharr","tag-manufactured-housing-institute-mhi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MH Coming up Short, Again... - 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\/mh-coming-up-short-again\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MH Coming up Short, Again... - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Hundreds of MH pros gave a good effort for inclusion of Preserving Access to the omnibus appropriations bill. Certainly, every good effort need not be in vain, as contacts and relationship are forged that can be fruitful later in life. 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