{"id":16523,"date":"2019-01-11T19:12:08","date_gmt":"2019-01-12T01:12:08","guid":{"rendered":"http:\/\/mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=15029"},"modified":"2019-04-22T20:44:24","modified_gmt":"2019-04-23T01:44:24","slug":"fhfa-hearing-before-congress-raises-gses-failure-on-manufactured-home-chattel-financing","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/fhfa-hearing-before-congress-raises-gses-failure-on-manufactured-home-chattel-financing\/","title":{"rendered":"FHFA Hearing Before Congress Raises GSEs\u2019 Failure on Manufactured Home Chattel Financing"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-16247\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FHFAHearingBeforeCongressRaisesGSEsFailureOnManufacturedHomeChattelFinancingDailyBusinessNEwsMHProNEws.jpg\" alt=\"FHFAHearingBeforeCongressRaisesGSEsFailureOnManufacturedHomeChattelFinancingDailyBusinessNEwsMHProNEws\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FHFAHearingBeforeCongressRaisesGSEsFailureOnManufacturedHomeChattelFinancingDailyBusinessNEwsMHProNEws.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FHFAHearingBeforeCongressRaisesGSEsFailureOnManufacturedHomeChattelFinancingDailyBusinessNEwsMHProNEws-150x79.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FHFAHearingBeforeCongressRaisesGSEsFailureOnManufacturedHomeChattelFinancingDailyBusinessNEwsMHProNEws-575x302.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>The Ford-Kavanaugh hearing wasn\u2019t the only place in Washington, D.C. that charges of sexual misconduct were being publicly discussed yesterday.<\/p><div id=\"manuf-1671885293\" 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>&nbsp;<\/p>\n<p>As was noted by the <em>Daily Business News<\/em> on <em>MHProNews<\/em>, the Federal Housing Finance Agency (FHFA), featured a pile-on by members of both parties aimed at Mel Watt. But his time in office is short regardless, and thus the following is the more germane issue to manufactured housing industry professionals.<\/p>\n<p>An extended quote from the release by the Manufactured Housing Association for Regulatory Reform (MHARR), which includes a download at the end of their statement to the Congress.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-16255\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ManufacturedHousingAssociationForRegulatoryReformLogoLetterheadDailyBusinessNewsMHProNews.jpg\" alt=\"ManufacturedHousingAssociationForRegulatoryReformLogoLetterheadDailyBusinessNewsMHProNews\" width=\"600\" height=\"153\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ManufacturedHousingAssociationForRegulatoryReformLogoLetterheadDailyBusinessNewsMHProNews.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ManufacturedHousingAssociationForRegulatoryReformLogoLetterheadDailyBusinessNewsMHProNews-150x38.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ManufacturedHousingAssociationForRegulatoryReformLogoLetterheadDailyBusinessNewsMHProNews-575x147.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><strong>Washington, D.C., September 27, 2018 \u2013\u00a0<\/strong>The Manufactured Housing Association for Regulatory Reform (MHARR), in a submission (copy attached) to the House of Representatives\u2019 Financial Services Committee in conjunction with a September 27, 2018 oversight hearing on regulation of the two \u201cGovernment Sponsored Enterprises\u201d (GSEs) \u2013 Fannie Mae and Freddie Mac \u2013 strongly criticized the Federal Housing Finance Agency (FHFA), for failing to implement federal law and, instead, sanctioning the GSEs\u2019 continuing discrimination against lower and moderate-income American consumers seeking to purchase manufactured homes through personal property, or chattel loans.<\/p>\n<p>Specifically,\u00a0MHARR\u2019s submission emphasizes that under the \u201cDuty to Serve Underserved Markets\u201d (DTS) provision of the Housing and Economic Recovery Act of 2008 (HERA), so-called DTS \u201cimplementation plans\u201d developed by the GSEs and approved by FHFA in late 2017, fail to provide for market-significant participation by Fannie Mae and Freddie Mac in the manufactured housing chattel finance market\u00a0<u>some ten years<\/u>\u00a0after Congress, through DTS,\u00a0\u00a0specifically directed the GSEs to \u201cdevelop loan products and flexible underwriting guidelines to facilitate a secondary market for mortgages on manufactured homes for very low, low, and moderate-income families,\u201d including chattel loans.\u00a0\u00a0Such chattel loans account for\u00a0<u>80%<\/u>\u00a0(or more) of the entire manufactured housing market, according to U.S. Census Bureau data.<\/p>\n<p>As\u00a0MHARR\u2019s submission explains, the so-called Fannie Mae and Freddie Mac DTS \u201cimplementation plans,\u201d by failing to provide for market-significant participation in the manufactured housing chattel financing market \u2013 beyond tiny, highly-conditional, \u201cpilot programs\u201d that through 2020 would serve,\u00a0<u>at<\/u>\u00a0<u>most<\/u>, little more than 1% of the manufactured housing market \u2013 do not and cannot, by definition, satisfy the express statutory mandate of DTS.\u00a0\u00a0Indeed, it is utterly inconceivable that Congress, in adopting DTS, intended for the vast bulk of all manufactured housing purchasers &#8212; and potential purchasers &#8212; seeking to access the nation\u2019s most affordable source of non-subsidized homeownership, to go<u>\u00a0unserved<\/u>\u00a0under DTS indefinitely and, potentially, forever.<\/p>\n<p>Relying on an alleged lack of chattel loan \u201cperformance\u201d data that is a direct result of their own long-term, discriminatory failure to serve the manufactured housing market \u2013 that DTS was specifically designed to remedy \u2013 Fannie Mae and Freddie Mac instead seek to evade that \u201cduty\u201d indefinitely. As emphasized by\u00a0MHARR, this will effectively force the 80% (or more) of the manufactured housing purchasers who currently rely on chattel financing to seek loans from one of the existing market-dominant manufactured housing lenders that do not require or seek secondary-market securitization or support from the GSEs and provide such financing at interest rates that are higher than would be the case if the GSEs were significant participants in the manufactured housing chattel market. Even worse, many more potential lower and moderate-income manufactured home purchasers, who might otherwise qualify for a loan, will continue to be needlessly\u00a0<u>excluded<\/u>\u00a0from the manufactured housing market \u2013 and from homeownership altogether \u2013 because of the higher chattel loan interest rates and monthly loan costs resulting from the GSEs\u2019 continuing discriminatory refusal to fully implement DTS with respect to chattel loans.<\/p>\n<p>MHARR, accordingly, will continue to press for the\u00a0<u>full<\/u>\u00a0implementation and application of DTS to manufactured home chattel loans and will continue to address, through all necessary means (including Congress and the Administration) the ongoing failure of FHFA, Fannie Mae and Freddie Mac to implement DTS in a timely and market-significant manner, thereby depriving lower and moderate-income Americans of the full access to affordable, non-subsidized manufactured homeownership that Congress sought to provide.<\/p>\n<p>In Washington, D.C.,\u00a0MHARR\u00a0President and CEO, Mark Weiss, stated: \u201cCongress, in its vital oversight role concerninhg FHFA, must hold that agency \u2013 and, by extension, Fannie Mae and Freddie Mac, which are being and have been bailed-out with billions of taxpayer dollars &#8212; accountable for their ongoing discriminatory failure,<u>more than a decade after-the-fact<\/u>, to fully implement\u00a0\u00a0DTS with respect to the 80% of the federally-regulated manufactured housing market that is represented by chattel purchase-money loans. Affordable homeownership is desperately needed in the United States and is at the\u00a0<u>core<\/u>\u00a0of the GSEs\u2019 statutory mission.\u00a0\u00a0Neither FHFA nor the GSEs should be allowed to flout this mission, nor the specific mandate of DTS with regard to manufactured housing chattel loans.\u201d<\/p>\n<p><em>The Manufactured Housing Association for Regulatory Reform is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing. <\/em><\/p>\n<p style=\"text-align: center;\"><em>###<\/em><\/p>\n<p style=\"text-align: left;\">The download of the testimony by MHARR to the Financial Services Committee is <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2018\/09\/MHARR.FHFAHEARINGTESTIMONYSept272018ManufacturedHousingAssocRegulatoryReformHouseFinancialServicesCommittee.pdf\" target=\"_blank\" rel=\"noopener\"><strong>linked here<\/strong><\/a>. For more details, see the related reports, further below.\u00a0 \u00a0\u201c<strong><span style=\"color: #993300;\">We Provide, You Decide<\/span><\/strong>.\u201d \u00a9 ##<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ford-Kavanaugh hearing wasn\u2019t the only place in Washington, D.C. that charges of sexual misconduct were being publicly discussed yesterday. &nbsp; As was noted by the Daily Business News on MHProNews, the Federal Housing Finance Agency (FHFA), featured a pile-on by members of both parties aimed at Mel Watt. But his time in office is &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/fhfa-hearing-before-congress-raises-gses-failure-on-manufactured-home-chattel-financing\/\"> <span class=\"screen-reader-text\">FHFA Hearing Before Congress Raises GSEs\u2019 Failure on Manufactured Home Chattel Financing<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":16247,"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":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5093,5073],"tags":[5161,2550,5162,382,29,5163,5164],"class_list":["post-16523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-manufactured-housing-commentary","category-news-analysis","tag-chattel-finance","tag-failure","tag-fhfa-congressional-hearing","tag-gses","tag-manufactured-home","tag-manufactured-housing-assoc-regulatory-reform-mharr","tag-personal-propety-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FHFA Hearing Before Congress Raises GSEs\u2019 Failure on Manufactured Home Chattel Financing - Masthead L. 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A. &#039;Tony&#039; Kovach","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.manufacturedhomepronews.com\/masthead\/fhfa-hearing-before-congress-raises-gses-failure-on-manufactured-home-chattel-financing\/","og_locale":"en_US","og_type":"article","og_title":"FHFA Hearing Before Congress Raises GSEs\u2019 Failure on Manufactured Home Chattel Financing - Masthead L. A. &#039;Tony&#039; Kovach","og_description":"The Ford-Kavanaugh hearing wasn\u2019t the only place in Washington, D.C. that charges of sexual misconduct were being publicly discussed yesterday. &nbsp; As was noted by the Daily Business News on MHProNews, the Federal Housing Finance Agency (FHFA), featured a pile-on by members of both parties aimed at Mel Watt. 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