{"id":18959,"date":"2021-03-25T14:13:33","date_gmt":"2021-03-25T19:13:33","guid":{"rendered":"https:\/\/www.manufacturedhomepronews.com\/masthead\/?p=18959"},"modified":"2021-03-27T11:36:51","modified_gmt":"2021-03-27T16:36:51","slug":"pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/","title":{"rendered":"\u201cPimple on an Elephant\u2019s Ass,\u201d \u201cShell Game\u201d &#8211; L.A. \u201cTony\u201d Kovach, Manufactured Housing Institute, Manufactured Housing Assoc for Regulatory Reform Speak at Enterprise Housing Goals FHFA \u201cListening Session\u201d"},"content":{"rendered":"<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-18965\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST.png\" alt=\"\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>FHFA hosted a virtual listening session today with various nonprofits and interested parties in the Enterprise Housing Goals (EHG) for Fannie Mae and Freddie Mac. The <strong>link here<\/strong> has the previously filed comments by the Manufactured Housing Institute (MHI) CEO Lesli Gooch. <strong><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-to-fhfa-fannie-mae-and-freddie-mac-stop-the-shell-game-with-the-hud-code-manufactured-home-industry-and-american-homebuyers\/\">This link<\/a><\/strong> also has today\u2019s comments as prepared and the related press release by Mark Weiss, J.D., president and CEO of the Manufactured Housing Association for Regulatory Reform. It was MHARR&#8217;s Weiss that used the term &#8220;<span style=\"color: #0000ff;\"><strong>shell game<\/strong><\/span>&#8221; as part of his address. What follows below are the comments as prepared by L. A. \u201cTony\u201d Kovach in his capacity as a multi-decade manufactured home industry consultant, professional, and expert.<\/p><div id=\"manuf-4035102350\" 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><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/LATonyKovachPhotoMHProNewsLogoMHLivingNewsLOGOMastheadMHProNewsPic.png\"><img decoding=\"async\" class=\"aligncenter wp-image-18962\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/LATonyKovachPhotoMHProNewsLogoMHLivingNewsLOGOMastheadMHProNewsPic.png\" alt=\"\" width=\"506\" height=\"318\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/LATonyKovachPhotoMHProNewsLogoMHLivingNewsLOGOMastheadMHProNewsPic.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/LATonyKovachPhotoMHProNewsLogoMHLivingNewsLOGOMastheadMHProNewsPic-575x361.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/LATonyKovachPhotoMHProNewsLogoMHLivingNewsLOGOMastheadMHProNewsPic-150x94.png 150w\" sizes=\"(max-width: 506px) 100vw, 506px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>Enterprise Housing Goals FHFA Listening Session Address<br \/>\nRemarks as Prepared by <a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\" rel=\"noopener\">L. A. &#8220;Tony&#8221; Kovach<\/a><br \/>\n3.25.2021<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u201c<\/strong><strong><a href=\"https:\/\/www.manufacturedhomepronews.com\/an-elephant-ass-understanding-gses-duty-to-serve-manufactured-home-lending\/\">A Pimple on an Elephant\u2019s Ass<\/a><\/strong><strong>.\u201d<\/strong><\/p>\n<p>That\u2019s how a Manufactured Housing Executives Council (MHEC) member described to\u00a0<em><a href=\"https:\/\/www.manufacturedhomepronews.com\/an-elephant-ass-understanding-gses-duty-to-serve-manufactured-home-lending\/\">MHProNews<\/a><\/em><em>\u00a0<\/em>the comparative losses on manufactured homes to losses incurred in conventional housing during the 2008 housing-financial crisis. He compared those trillions in losses on houses to the far more modest losses experienced by lenders operating in HUD Code Manufactured Homes in the late 1990s into the early 2000s.<\/p>\n<p>Despite that comparative pimple, Fannie Mae, Freddie Mac, and others periodically point back to that problematic so-called \u201c<strong><a href=\"https:\/\/www.manufacturedhomepronews.com\/witchs-brew-of-predatory-practices-longtime-mhi-member-attorney-marty-lavin-rips-manufactured-housing-institute-exposes-duty-to-serve-financing-stonewall\/\">GreenSeco era<\/a><\/strong>.\u201d That\u2019s 2 decades in the rearview mirror. How can that be an excuse for treating manufactured homes so differently than conventional housing in access to lending?<\/p>\n<p>&nbsp;<\/p>\n<p>The FHFA website says that Enterprise Housing Goals are supposed to \u201c<strong>FOSTER competitive, liquid, efficient, and resilient (CLEAR) national\u00a0housing\u00a0finance markets that support sustainable homeownership and affordable rental\u00a0housing<\/strong>\u2026\u201d<\/p>\n<p>Before and after passage\u00a0of the Housing and Economic Recovery Act (HERA) of 2008 and the Congressional mandate of Duty to Serve (or DTS) for manufactured housing by Fannie Mae, Freddie Mac &#8211; FHFA and other regulators have paid <em>lip service<\/em> to supporting manufactured homes.<\/p>\n<p>That negatively impacts millions. Who says?<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/hud-reports-homelessness-rising-housing-should-be-a-right-says-hud-secretary-marcia-fudge-praising-biden-initiatives-manufactured-home-factor-missing\/\">HUD Secretary Marcia Fudge<\/a> spoke recently about the tragedy of increased homelessness in America.<\/p>\n<p>HUD\u2019s sad <a href=\"https:\/\/www.manufacturedhomepronews.com\/hud-reports-homelessness-rising-housing-should-be-a-right-says-hud-secretary-marcia-fudge-praising-biden-initiatives-manufactured-home-factor-missing\/\">report<\/a> is fascinating because <a href=\"https:\/\/www.manufacturedhomepronews.com\/monopolies-silent-spreaders-of-poverty-and-economic-inequality-insights-from-henry-simons-thurman-arnold-applied-by-schmitz-and-fettig-to-hud-manufactured-housing-economic-inequality-and-poverty\/\">James Schmitz Jr. &#8211; a researcher for the Minneapolis Fed<\/a>, and <a href=\"https:\/\/www.manufacturedhomepronews.com\/sabotaging-monopolies-minneapolis-fed-researchers-charge-hud-collusion-w-builders-to-sabotage-manufactured-housing-independents-created-u-s-housing-crisis\/\">three colleagues<\/a> &#8211; published reports accusing HUD and builders of collusion in\u00a0deliberately\u00a0undermining manufactured housing.<\/p>\n<p>Schmitz and those researchers argued that collusion between HUD and builders is a case of \u201c<a href=\"https:\/\/www.manufacturedhomepronews.com\/monopolies-silent-spreaders-of-poverty-and-economic-inequality-insights-from-henry-simons-thurman-arnold-applied-by-schmitz-and-fettig-to-hud-manufactured-housing-economic-inequality-and-poverty\/\">sabotage monopoly<\/a>.\u201d<\/p>\n<p>They said that sabotaging collusion between HUD and builders increased homelessness, harmed minorities, and cut off the lower income class of all backgrounds from the benefits of affordable manufactured home ownership.<\/p>\n<p>Schmitz and his colleagues wrote positively about the manufactured home option.<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/affordable-manufactured-housings-puzzling-contemporary-condition-revealed-by-quotable-quotes-from-residents-professionals-expert-researchers-advocates-public-officials-graphics-and-repo\/\">Scholastica \u201cGay\u201d Cororaton\u2019s research for the National Association of Realtors<\/a> also praised modern manufactured homes.<\/p>\n<p>&nbsp;<\/p>\n<p>What makes Schmitz and his colleagues\u2019 charge of HUD\u2019s role in <strong>\u201c<span style=\"color: #800000;\">sabotage monopoly<\/span><\/strong>\u201d more compelling are comments from <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/the-solution-to-the-affordable-housing-crisis-is-hiding-in-plain-sight\/\">Bill Matchneer. Attorney Matchneer is the former HUD administrator<\/a> for the Office of Manufactured Housing Programs (OMHP).<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/bombshells-former-hud-manufactured-housing-program-administrator-bill-matchneer-cavcos-manuel-santana-statements\/\">Matchneer said HUD\u2019s Office of General Counsel consistently failed to enforce the enhanced preemption clause made law when the Manufactured Housing Improvement Act of 2000<\/a> (MHIA or 2000 Reform law) was enacted.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/how-the-manufactured-housing-institute-mhi-and-their-corporate-masters-painted-themselves-into-a-corner-consumer-alert-news-analysis\/\">Jim Gray<\/a>, formerly with the FHFA Duty to Serve program, said in his exit message that FHFA and GSEs &#8211; \u201c[W]<span style=\"color: #800000;\"><strong>e have not made as much progress<\/strong><\/span>\u00a0[toward meeting the Duty to Serve mandates]\u00a0<span style=\"color: #800000;\"><strong>as many of us would have liked; so much remains to be done to reach these<\/strong>\u00a0<\/span>[DTS]<span style=\"color: #800000;\">\u00a0<strong>markets<\/strong><\/span>.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>In December 2019, I made two different listening session presentations on the DTS mandates; one virtual and another live in Washington, D.C.<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/\">In both presentations<\/a>, I made the evidence-based case how disgraceful it was that the FHFA and GSEs have ignored the law to the harm of millions.<\/p>\n<p>GSEs and FHFA failures arguably included key corporate members of the Manufactured Housing Institute or MHI.<\/p>\n<p>&nbsp;<\/p>\n<p>Several scheduled to present today are aware of the issues I\u2019m raising. Because some worked for HUD, FHFA, GSEs, or are otherwise connected to the manufactured housing industry.<\/p>\n<p>&nbsp;<\/p>\n<p>For instance. Lesli Gooch, Ph.D., with the Manufactured Housing Institute (MHI) made statements in her filed EHG comments letter that sound supportive of manufactured homes.<\/p>\n<p>But upon closer examination, Ms. Gooch focused on an unproven plan that Berkshire Hathaway (BRK) owned Clayton Homes &#8211; which supports MHI &#8211; in their push for their branded <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-homeowners-interests-threatened-by-manufactured-housing-institute-deceptive-scheme-per-modular-home-builders-associations-tom-hardiman\/\">CrossMod<sup>TM<\/sup>\u00a0homes scheme<\/a>.<\/p>\n<p>Where was Gooch\u2019s similarly robust support for <u>all other mainstream manufactured homes<\/u>?<\/p>\n<ul>\n<li>Fannie calls CrossMod<sup>TM<\/sup>MH Advantage\u00ae.<\/li>\n<li>Freddie calls their version of CrossMod<sup>TM<\/sup>CHOICEHome\u00ae.<\/li>\n<li>The known data reveals that these programs are market failures.<\/li>\n<\/ul>\n<p>Supposedly there have been double-digit sales nationally of CrossMod<sup>TM<\/sup>\u00a0&#8211; under whatever name &#8211; in the last few years. That\u2019s in a market producing some 95,000 HUD Code manufactured homes annually.<\/p>\n<p>&nbsp;<\/p>\n<p>Attorney and manufactured home finance veteran Marty Lavin &#8211; an MHI award winner &#8211; did consulting for Fannie Mae. <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/award-winning-attorney-marty-lavin-sounds-alert-about-manufactured-housing-institute-backed-loan-program-home-values-supply-demand-case-for-manufactured-housing-sabotage\/\">Lavin told\u00a0<em>MHLivingNews\u00a0<\/em><\/a>that\u00a0MHAdvantage\u00a0\u00ae was likely to be as successful as MH Select\u00ae.<\/p>\n<p>Lavin said MH Select\u00ae was also a virtual goose egg.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/david-dworkin-national-housing-conference-compared-and-contrasted-with-lesli-gooch-manufactured-housing-institute-on-fannie-mae-freddie-mac-proposed-modifications-to-fhfa-on-duty-to-serve-finance\/\"><strong>David Dworkin<\/strong>, CEO of the National Housing Conference in federal comments said that manufactured housing was necessary<\/a> for affordable housing.<\/p>\n<p>Dworkin was fully confident that the GSEs could successful do manufactured home loans.<\/p>\n<p>Dworkin previously worked for a GSE as a Vice President.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/huds-urban-institutes-edward-golding-knew-because-manufactured-housing-institutes-lesli-gooch-told-him\/\">Edward Golding<\/a> worked for HUD and the FHA.<\/p>\n<p>In 2018, Golding and 3 colleagues did a post for the Urban Institute. It was a entitled <a href=\"https:\/\/www.urban.org\/urban-wire\/manufactured-homes-could-ease-affordable-housing-crisis-so-why-are-so-few-being-made\">\u201cManufactured homes could ease the affordable housing crisis. So why are so few being made<\/a>?\u201d<\/p>\n<p>Citing <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/former-manufactured-housing-institute-president-manufactured-home-owners-urban-institute-and-you\/\">FHFA data, Golding and his co-authors in that Urban Institute report said manufactured homes appreciated in value<\/a>. They said manufactured homes could appreciate even more given access to affordable sustainable GSE loans.<\/p>\n<p>What that Urban Institute post <a href=\"https:\/\/www.manufacturedhomepronews.com\/challenges-to-obtaining-manufactured-home-financing-urban-institute-report-fact-check-analysis\/\">didn\u2019t disclose on that specific page is that Berkshire chairman Warren Buffett is a lifetime trustee of the Urban Institute<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>The applied logic of Golding, Dworkin, <a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-calls-for-mainstream-manufactured-home-loans-to-be-included-in-enterprise-housing-goals\/\">MHARR\u2019s Mark Weiss<\/a>, and others should make it plain that the GSEs could and should be doing robust lending in manufactured housing.<\/p>\n<p>&nbsp;<\/p>\n<p>Oxford Bank has made personal property loans on manufactured homes for some 2 decades. Oxford reportedly loans with credit scores that mirror those of Berkshire owned 21<sup>st<\/sup>\u00a0Mortgage.<\/p>\n<p>Oxford purportedly does so profitably and sustainably and at\u00a0lower interest rates than 21st.<\/p>\n<p>&nbsp;<\/p>\n<p>Given those facts and legal mandates, what possible excuse can FHFA and the GSEs give for not robustly making mainstream manufactured home loans for both personal property as well as mortgage lending?<\/p>\n<ul>\n<li>Why did the <a href=\"https:\/\/www.manufacturedhomepronews.com\/expose-manufactured-housing-institute-ceo-lesli-gooch-fhfa-gses-mhec-mharr-and-mhi-award-winner-marty-lavin-on-duty-to-serve-manufactured-home-loan-controversies\/\">GSEs and MHI hold closed door meetings some years ago and never released those meeting minutes<\/a>?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>How did the\u00a0MHAdvantage\u00a0\u00ae CHOICEHome\u00ae and CrossMod<sup>TM\u00a0<\/sup>magically come to be so similar?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Why is it that MHI postures support, but has backed or tolerated plans that leave Berkshire owned 21<sup>st<\/sup>and Vanderbilt Mortgage and Finance as the 2 runaway largest lenders in manufactured housing?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>I am consultant <a href=\"http:\/\/latonykovach.com\/\">L.A. \u201cTony\u201d Kovach<\/a>. I\u2019ve worked in the insurance, RV, trade show, and other professions. But all told, I have some 30 years\u2019 experience in manufactured housing retail, communities, with financial service firms, and builders of HUD Code manufactured homes.<\/p>\n<p>&nbsp;<\/p>\n<p>Keep in mind that I was an MHI member for years. I was elected by my peers to sit on the MHI Suppliers Division board.<\/p>\n<p>&nbsp;<\/p>\n<p>For a time, I was arguably fooled by the <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/how-the-manufactured-housing-institute-mhi-and-their-corporate-masters-painted-themselves-into-a-corner-consumer-alert-news-analysis\/\">purported paltering and posturing of the MHI flim-flam that has undermined manufactured housing<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>That paltering pattern harms millions of Americans while thousands of independent retailers, producers, and others went out of business or sold out at discount.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Is it mere coincidence that this history fits the <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/case-against-clayton-homes-years-of-legal-regulatory-claims\/\">Warren Buffett \u201ccastle and moat\u201d methodology that Kevin Clayton<\/a> himself bragged about in a video interview?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Have you viewed or <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/warren-buffetts-moat-per-kevin-clayton-ceo-clayton-homes-interview-transcript-video-affordable-housing-and-manufactured-homes\/\">read the transcript of Kevin Clayton saying that Buffett preaches that Moat to make it hard on Clayton\u2019s competitors<\/a>?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Applying the\u00a0\u201c<strong><a href=\"https:\/\/www.manufacturedhomepronews.com\/lesli-gooch-ph-d-schooled-on-manufactured-housing-advocacy-manufactured-housing-institute-ceos-meandering-missive-on-manufactured-home-financing-lunacy\/\">Iron Triangle<\/a><\/strong>\u201d\u00a0notion and Schmitz\u2019s \u201c<a href=\"https:\/\/www.manufacturedhomepronews.com\/monopolies-silent-spreaders-of-poverty-and-economic-inequality-insights-from-henry-simons-thurman-arnold-applied-by-schmitz-and-fettig-to-hud-manufactured-housing-economic-inequality-and-poverty\/\">Sabotage Monopoly<\/a>\u201d principles suggest that insiders rigged the market in ways that undermine the interests of various competitors.<\/p>\n<p>&nbsp;<\/p>\n<p>The late <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/05\/ThereAreNoCoincidencesinWashingtonDCQuoteFollowTheMoneySenWilliamProxmirePhotoQuotesJohnSolomonManufacturedHomeProNews.jpg\">Democratic Senator William Proxmire<\/a> said that in Washington, two things shed light on what occurs.<\/p>\n<ul>\n<li>There are no coincidences.<\/li>\n<li>The other is follow the money.<\/li>\n<\/ul>\n<p>I encourage all to Google each of these topics yourself!<\/p>\n<p style=\"text-align: center;\">&#8212;-<\/p>\n<p>&nbsp;<\/p>\n<p>For instance, Google \u201c<a href=\"https:\/\/www.manufacturedhomepronews.com\/bombshell-buffett-berkshire-clayton-homes-21st-vanderbilt-specific-mhi-members-ripped-felony-monopolization-of-the-american-manufactured-home-industry\/\">Sam Strommen from Knudson Law<\/a>\u201d on manufactured housing research.<\/p>\n<p>Strommen\u2019s report called what is happening in manufactured housing a case of \u201cFelony\u201d antitrust violations with possible RICO aspects involved.<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/machine-of-human-suffering-berkshire-hathaways-clayton-homes-manufactured-housing-institute-attorneys-response-to-allegations-felony-abuses-knudson-law\/\">Strommen has no axe<\/a> to grind in our profession.<\/p>\n<p>Strommen concluded that manufactured housing was being subverted from within and mentioned Clayton, MHI, other MHI members, plus the Buffett \u201c<a href=\"https:\/\/www.manufacturedhomepronews.com\/warren-buffett-declared-class-warfare-buffett-says-fellow-billionaires-were-winning\/\">castle and moat<\/a>\u201d method too.<\/p>\n<p>Given the degrees, evidence, and experiences of those involved, I have a hard time making the argument for incompetence causing the status quo.<\/p>\n<p>The Rev. Martin Luther King Jr said:<\/p>\n<p>\u201c<span style=\"color: #800000;\"><strong>He who passively accepts evil is as much involved in it as he who helps to perpetrate it. He who accepts evil without protesting against it is really cooperating with it<\/strong><\/span>.\u201d<\/p>\n<p>What comes next should include a full and proper implementation of federal laws that include the<\/p>\n<ul>\n<li><a href=\"https:\/\/www.manufacturedhomepronews.com\/foot-dragging-rigged-system-manufactured-housing-lending-comments-to-feds-by-various-professionals\/\">Manufactured Housing Improvement Act of 2000<\/a>,<\/li>\n<li>and the <a href=\"https:\/\/www.manufacturedhomepronews.com\/mharr-vs-mhi-on-comments-letter-to-fhfa-on-fannie-freddie-enterprise-housing-goals-ehg-plus-manufactured-housing-investing-equities-update\/\">Duty to Serve Manufactured Housing as part of the Enterprise Housing Goals<\/a>.<\/li>\n<li>It should also include enforcing <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/machine-of-human-suffering-berkshire-hathaways-clayton-homes-manufactured-housing-institute-attorneys-response-to-allegations-felony-abuses-knudson-law\/\">antitrust and RICO laws too<\/a>.<\/li>\n<\/ul>\n<p>Those good laws need to be fully and properly implemented to restore the free market and <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/monopolization-of-american-dream-telling-the-inside-story-of-home-ownership-gone-awry\/\">liberate millions who want affordable home ownership made possible by mainstream manufactured homes<\/a>. Pax et bonum.<\/p>\n<h2 style=\"text-align: center;\"><\/h2>\n<p style=\"text-align: center;\">##<\/p>\n<p style=\"text-align: left;\">As a disclosure, part way through this presentation &#8211; apparently some time after the David Dworkin comments shown above &#8211; this speaker was <em>cut off<\/em>. That was after several &#8216;technical&#8217; issue that made it difficult to get on at the scheduled time.<\/p>\n<p style=\"text-align: left;\"><strong>Update 3.27.2021: The FHFA has stated in writing that they will be posting the above comments. That and more are found in the report linked below.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_18970\" aria-describedby=\"caption-attachment-18970\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/over-the-target-pushback-pays-calling-a-spade-a-spade-in-manufactured-housing-finance-fhfa-back-tracks\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"size-full wp-image-18970\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/OverTheTargetPushbackPaysCallingaSpadeaSpadeManufacturedHousingFinanceFHFAlogoBackTracksMHProNewsLogo.png\" alt=\"OverTheTargetPushbackPaysCallingaSpadeaSpadeManufacturedHousingFinanceFHFAlogoBackTracksMHProNewsLogo\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/OverTheTargetPushbackPaysCallingaSpadeaSpadeManufacturedHousingFinanceFHFAlogoBackTracksMHProNewsLogo.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/OverTheTargetPushbackPaysCallingaSpadeaSpadeManufacturedHousingFinanceFHFAlogoBackTracksMHProNewsLogo-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/OverTheTargetPushbackPaysCallingaSpadeaSpadeManufacturedHousingFinanceFHFAlogoBackTracksMHProNewsLogo-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-18970\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/over-the-target-pushback-pays-calling-a-spade-a-spade-in-manufactured-housing-finance-fhfa-back-tracks\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/over-the-target-pushback-pays-calling-a-spade-a-spade-in-manufactured-housing-finance-fhfa-back-tracks\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p style=\"text-align: left;\">It remains to be seen if FHFA will will post the comments from this so called &#8220;listening session&#8221; where at least one official apparently did not want to listen. That arguably only confirms what Mark Weiss said, namely, that this is a &#8220;shell game.&#8221; It also underscores the points made above.<\/p>\n<p style=\"text-align: left;\">It will be interested to see if what was said before the apparently deliberate cut off will include what I did say in their audio recording.\u00a0 Note that FHFA staff have confirmed via email in writing that they have the comments as drafted and that they are &#8216;reviewing&#8217; them.<\/p>\n<p style=\"text-align: left;\">Once more for emphasis. This purported &#8216;cut off&#8217; of my remarks only begs the question, how serious is this &#8220;listening session&#8221; process? Or is this <em>legally mandated support<\/em> for manufactured housing, as we and others have alleged, just <em>a sham<\/em> <em>process<\/em> designed to keep manufatured housing from getting actual meaningful DTS or Enterprise Housing Goal support?<\/p>\n<p style=\"text-align: left;\">See the linked and related materials, above and further below.<\/p>\n<p>&nbsp;<\/p>\n<p>[cp_popup display=&#8221;inline&#8221; style_id=&#8221;139941&#8243; step_id = &#8220;1&#8221;][\/cp_popup]<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_158782\" aria-describedby=\"caption-attachment-158782\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/danny-ghorbani-challenges-manufactured-housing-institute-mhi-leaders-on-must-do-zoning-failed-miserably-in-placement-issues\/\" target=\"_blank\" rel=\"attachment noopener wp-att-158782\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-158782\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/08\/DannyGhorbaniPhotoChallengesManufacturedHousingInstituteLogoMHILogoLeadersMust-DoZoningFailedMiserablyPlacementIssuesMHProNewsLogo.jpg\" alt=\"DannyGhorbaniPhotoChallengesManufacturedHousingInstituteLogoMHILogoLeadersMust-DoZoningFailedMiserablyPlacementIssuesMHProNewsLogo\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-158782\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/danny-ghorbani-challenges-manufactured-housing-institute-mhi-leaders-on-must-do-zoning-failed-miserably-in-placement-issues\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/danny-ghorbani-challenges-manufactured-housing-institute-mhi-leaders-on-must-do-zoning-failed-miserably-in-placement-issues\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_156440\" aria-describedby=\"caption-attachment-156440\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/fhfa-director-mark-calabria-must-initiate-an-internal-investigation-danny-ghorbani-rips-reveals-duty-to-serve-problems-solutions\/\" target=\"_blank\" rel=\"attachment noopener wp-att-156440\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156440\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/06\/FHFADirectorMarkCalabriaPhotoLogoMustInitiateAnInternalInvestigationDannyGhorbaniPhotoMHARRlogoRipsRevealsDutyToServeProblemsSolutionsMHProNews.png\" alt=\"FHFADirectorMarkCalabriaPhotoLogoMustInitiateAnInternalInvestigationDannyGhorbaniPhotoMHARRlogoRipsRevealsDutyToServeProblemsSolutionsMHProNews\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-156440\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/fhfa-director-mark-calabria-must-initiate-an-internal-investigation-danny-ghorbani-rips-reveals-duty-to-serve-problems-solutions\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/fhfa-director-mark-calabria-must-initiate-an-internal-investigation-danny-ghorbani-rips-reveals-duty-to-serve-problems-solutions\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_149851\" aria-describedby=\"caption-attachment-149851\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/study-in-contrasts-lesli-gooch-v-mark-weiss-manufactured-housing-duty-to-serve-presentations-spotlight-lack-of-proper-lending\/\" target=\"_blank\" rel=\"attachment noopener wp-att-149851\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-149851\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/StudyinContrastsLesliGoochMarkWeissMattChapmanManufacturedHousingDutyServePresentationsSpotlightLackLendingMHproNews.jpg\" alt=\"StudyinContrastsLesliGoochMarkWeissMattChapmanManufacturedHousingDutyServePresentationsSpotlightLackLendingMHproNews\" width=\"600\" height=\"325\" \/><\/a><figcaption id=\"caption-attachment-149851\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/study-in-contrasts-lesli-gooch-v-mark-weiss-manufactured-housing-duty-to-serve-presentations-spotlight-lack-of-proper-lending\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/study-in-contrasts-lesli-gooch-v-mark-weiss-manufactured-housing-duty-to-serve-presentations-spotlight-lack-of-proper-lending\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_153402\" aria-describedby=\"caption-attachment-153402\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/trump-administration-asked-to-withdraw-brian-d-montgomery-nomination-over-conflicts-of-interest\/\" target=\"_blank\" rel=\"attachment noopener wp-att-153402\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-153402\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/03\/TrumpAdministrationAskWithdrawBrianDMontgomeryOfficialPhotoHUDNominationConflictsOfInterestManufacturedHomeProNews.jpg\" alt=\"TrumpAdministrationAskWithdrawBrianDMontgomeryOfficialPhotoHUDNominationConflictsOfInterestManufacturedHomeProNews\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-153402\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/trump-administration-asked-to-withdraw-brian-d-montgomery-nomination-over-conflicts-of-interest\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/trump-administration-asked-to-withdraw-brian-d-montgomery-nomination-over-conflicts-of-interest\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_167399\" aria-describedby=\"caption-attachment-167399\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/hud-reports-homelessness-rising-housing-should-be-a-right-says-hud-secretary-marcia-fudge-praising-biden-initiatives-manufactured-home-factor-missing\/\" target=\"_blank\" rel=\"attachment noopener wp-att-167399\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-167399\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/HUDReportsHomelessnessRisingHousingShouldBeRightSaysHUDlogoSecMarciaFudgePICpraisingBidenInitiativesManufacturedHomeFactorMissingMHProNewsLOGO.jpg\" alt=\"HUDReportsHomelessnessRisingHousingShouldBeRightSaysHUDlogoSecMarciaFudgePICpraisingBidenInitiativesManufacturedHomeFactorMissingMHProNewsLOGO\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-167399\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/hud-reports-homelessness-rising-housing-should-be-a-right-says-hud-secretary-marcia-fudge-praising-biden-initiatives-manufactured-home-factor-missing\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/hud-reports-homelessness-rising-housing-should-be-a-right-says-hud-secretary-marcia-fudge-praising-biden-initiatives-manufactured-home-factor-missing\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_150293\" aria-describedby=\"caption-attachment-150293\" style=\"width: 362px\" class=\"wp-caption aligncenter\"><a href=\"mailto:iReportMHNewsTips@mhmsm.com\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-150293\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/iReportNewsTipsCommentsSendMastheadManufacturedHomeProNews.png\" alt=\"iReportNewsTipsCommentsSendMastheadManufacturedHomeProNews\" width=\"362\" height=\"211\" \/><\/a><figcaption id=\"caption-attachment-150293\" class=\"wp-caption-text\"><strong><i>We recommend that news tips NOT use company, nonprofit, or organizational emails or cell phones. <span style=\"color: #ff0000;\">To report a news tip<\/span>, click the image above or send an email to <a href=\"mailto:iReportMHNewsTips@mhmsm.com\" target=\"_blank\" rel=\"noopener noreferrer\">iReportMHNewsTips@mhmsm.com<\/a> \u2013 To help us spot your message in our volume of email, please put the words <span style=\"color: #ff0000;\">NEWS TIP<\/span> or <span style=\"color: #0000ff;\">COMMENTS<\/span> in the subject line.<\/i><\/strong><\/figcaption><\/figure>\n<p><span style=\"font-size: 16px;\">Stay tuned for more of what is &#8216;behind the curtains&#8217; as well as what is obvious and in your face reports. It is all here, at the runaway largest and most-read source for authentic manufactured home \u201c<span style=\"color: #800000;\"><b>News through the lens of manufactured homes and factory-built housing<\/b><\/span><\/span><span style=\"font-size: 16px;\">\u201d \u00a9 where \u201c<\/span><span style=\"color: #800000;\"><strong>We Provide, You Decide<\/strong><\/span><span style=\"font-size: 16px;\">.\u201d \u00a9 ## (Affordable housing, manufactured homes, reports, fact-checks, analysis, and commentary. <\/span><a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/www.manufacturedhomepronews.com\/lanham-act-monopolistic-housing-institute-err-manufactured-housing-institute-legal-bullies-and-you\/\" target=\"_blank\" rel=\"noopener noreferrer\">Third-party images or content are provided under fair use guidelines for media<\/a><span style=\"font-size: 16px;\">.) <\/span><span style=\"margin: 0px; line-height: 107%; font-family: 'Tahoma'; font-size: 10pt;\"><span style=\"color: #000000;\"><span style=\"margin: 0px; font-family: 'Tahoma'; font-size: 10pt;\">(<\/span><strong>See <span style=\"color: #ff0000;\">Related Reports<\/span>, further below<\/strong>. Text\/image boxes often are hot-linked to other reports that can be access by clicking on them.)<\/span><\/span><\/p>\n<figure id=\"attachment_150114\" aria-describedby=\"caption-attachment-150114\" style=\"width: 368px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/brutal-truths-former-democrat-la-mayor-villaraigosa-hud-secretary-carson-affordable-housing-crisis-d-c-insider-reveals-vexing-manufactured-home-reality\/congrepalgreendesktamaskovachlatonykovachphoto12-3-2019manufacturedhomepronews\/\" rel=\"attachment wp-att-150114\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-150114\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/CongRepAlGreenDeskTamasKovachLATonyKovachPhoto12.3.2019ManufacturedHomeProNews-575x430.jpg\" alt=\"CongRepAlGreenDeskTamasKovachLATonyKovachPhoto12.3.2019ManufacturedHomeProNews\" width=\"368\" height=\"275\" \/><\/a><figcaption id=\"caption-attachment-150114\" class=\"wp-caption-text\"><i> All on Capitol Hill were welcoming and interested with the discussion of manufactured housing related issues on our 12.3.2019 meetings. But Texas Congressman Al Green&#8217;s office was tremendous in their hospitality. Our son&#8217;s hand is on a package that included the Constitution of the United States and other goodies. MHProNews has worked with people and politicos across the left-right divide.<\/i><\/figcaption><\/figure>\n<p>By <a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">L.A. &#8220;Tony&#8221; Kovach<\/a> &#8211; for <em>MHProNews<\/em>.com.<\/p>\n<p><em>Tony earned a journalism scholarship and earned numerous awards in history and in manufactured housing. <\/em><\/p>\n<p><em>For example, he <\/em><em>earned the prestigious <\/em><em>Lottinville Award in history from the University of Oklahoma, where he studied history and business management. <\/em>He&#8217;s a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to <em>MHProNews,<\/em> and <a href=\"http:\/\/MHLivingNews.com\" target=\"_blank\" rel=\"noopener noreferrer\"><em>MHLivingNews.com<\/em><\/a>.<\/p>\n<p><em>This article reflects the LLC&#8217;s and\/or the writer&#8217;s position, and may or may not reflect the views of sponsors or supporters.<\/em><\/p>\n<p><a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff0000;\"><strong>http:\/\/latonykovach.com <\/strong><\/span><\/a><\/p>\n<p align=\"LEFT\"><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\"><span lang=\"en-US\">Connect on <\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\"><b>LinkedIn<\/b><\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\">: <\/span><\/span><\/span><\/span><span style=\"color: #1155cc;\"><span style=\"font-family: Helvetica,sans-serif;\"><span style=\"font-size: small;\"><u><a href=\"http:\/\/www.linkedin.com\/in\/latonykovach\" target=\"_blank\" rel=\"noopener noreferrer\"><span lang=\"en-US\">http:\/\/www.linkedin.com\/in\/latonykovach<\/span><\/a><\/u><\/span><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0000ff;\"><strong>Related References<\/strong><\/span>:<\/h3>\n<p>The text\/image boxes below are linked to other reports, which can be accessed by clicking on them.<\/p>\n<figure id=\"attachment_167305\" aria-describedby=\"caption-attachment-167305\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/what-manufactured-housing-institute-does-with-million-mhi-rakes-in-every-year-prima-facie-case-for-fraud-inside-scoop-on-mhi-from-irs-plus-manufactured-home-investing-stock-updates\/\" target=\"_blank\" rel=\"attachment noopener wp-att-167305\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-167305\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/WhatManufacturedHousingInstituteLOGOdoesMillionsMHIlogoRakesInAnnuallyPrimaFacieCaseFraudInsideScoopMHIfromIRSplusManufacturedHomeInvestingStockUpdatesMHProNews.jpg\" alt=\"WhatManufacturedHousingInstituteLOGOdoesMillionsMHIlogoRakesInAnnuallyPrimaFacieCaseFraudInsideScoopMHIfromIRSplusManufacturedHomeInvestingStockUpdatesMHProNews\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-167305\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/what-manufactured-housing-institute-does-with-million-mhi-rakes-in-every-year-prima-facie-case-for-fraud-inside-scoop-on-mhi-from-irs-plus-manufactured-home-investing-stock-updates\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/what-manufactured-housing-institute-does-with-million-mhi-rakes-in-every-year-prima-facie-case-for-fraud-inside-scoop-on-mhi-from-irs-plus-manufactured-home-investing-stock-updates\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_138148\" aria-describedby=\"caption-attachment-138148\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/democrats-republicans-agree-manufactured-homes-can-play-a-vital-role-in-easing-the-affordable-housing-shortage\/\" target=\"_blank\" rel=\"attachment noopener wp-att-138148\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-138148\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/05\/DemocratsRepublicansAgreeManufacturedHomesCanPlayVitalRoleEasingAffordableHousingShortageMHLivingNews600.jpg\" alt=\"DemocratsRepublicansAgreeManufacturedHomesCanPlayVitalRoleEasingAffordableHousingShortageMHLivingNews600\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-138148\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/democrats-republicans-agree-manufactured-homes-can-play-a-vital-role-in-easing-the-affordable-housing-shortage\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/democrats-republicans-agree-manufactured-homes-can-play-a-vital-role-in-easing-the-affordable-housing-shortage\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_158576\" aria-describedby=\"caption-attachment-158576\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/black-lives-matter-candidate-cori-bush-beats-democrat-10-term-rep-lacy-clay-vet-john-james-wins-other-primary-results-plus-manufactured-home-investing-stock-updates\/multinationalcorporationscontrolcontrolpoliticianscontrolmediacontrolconsumptionentertainmentthinkingdestroyplanetfoundationviolentracialdivisiongovjerrybrownphotoquotemhpronews\/\" rel=\"attachment wp-att-158576\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-158576\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/08\/MultinationalCorporationsControlControlPoliticiansControlMediaControlConsumptionEntertainmentThinkingDestroyPlanetFoundationViolentRacialDivisionGovJerryBrownPhotoQuoteMHProNews.jpg\" alt=\"MultinationalCorporationsControlControlPoliticiansControlMediaControlConsumptionEntertainmentThinkingDestroyPlanetFoundationViolentRacialDivisionGovJerryBrownPhotoQuoteMHProNews\" width=\"600\" height=\"415\" \/><\/a><figcaption id=\"caption-attachment-158576\" class=\"wp-caption-text\"><i> Quote from a 1996 interview with Jerry Brown. What was seen by some then is even more visible today. <\/i><\/figcaption><\/figure>\n<figure id=\"attachment_165900\" aria-describedby=\"caption-attachment-165900\" style=\"width: 593px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/food-supply-covid19-your-business-interests-kennedy-family-biden-and-trump-lessons-sunday-weekly-headlines-review\/robertfkennedyjrpicquoteatbestgatescampaignscarfuplandfeudalisminvogueatworstbuyingspreeharbingeralarmingcontrolfoodsupplynapoleoniccomplexmhpronewslogo\/\" rel=\"attachment wp-att-165900\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-165900\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/02\/RobertFKennedyJrPicQuoteAtBestGatesCampaignScarfUplandFeudalismInVogueAtWorstBuyingSpreeHarbingerAlarmingControlFoodSupplyNapoleonicComplexMHProNewsLogo.jpg\" alt=\"RobertFKennedyJrPicQuoteAtBestGatesCampaignScarfUplandFeudalismInVogueAtWorstBuyingSpreeHarbingerAlarmingControlFoodSupplyNapoleonicComplexMHProNewsLogo\" width=\"593\" height=\"339\" \/><\/a><figcaption id=\"caption-attachment-165900\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/monopolistic-napoleonic-complex-late-sen-robert-kennedys-son-devastating-detailed-analysis-of-warren-buffett-ally-bill-gates-plus-manufactured-home-inves\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/monopolistic-napoleonic-complex-late-sen-robert-kennedys-son-devastating-detailed-analysis-of-warren-buffett-ally-bill-gates-plus-manufactured-home-inves\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_166025\" aria-describedby=\"caption-attachment-166025\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/fhfa-tip-w-doc-lesli-gooch-manufactured-housing-institute-ceo-backstabs-manufactured-homeowners-affordable-housing-seekers-mh-independents-clayton-21st-vanderbilt-skyline\/\" target=\"_blank\" rel=\"attachment noopener wp-att-166025\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-166025\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/02\/FHFATipLesliGoochManufactHousingInsCEOpicBackstabsManufacturedHomeowners-IndependentsClayton21stVanderbiltSkylineChampLOGO.jpg\" alt=\"FHFATipLesliGoochManufactHousingInsCEOpicBackstabsManufacturedHomeowners IndependentsClayton21stVanderbiltSkylineChampLOGO\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-166025\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/fhfa-tip-w-doc-lesli-gooch-manufactured-housing-institute-ceo-backstabs-manufactured-homeowners-affordable-housing-seekers-mh-independents-clayton-21st-vanderbilt-skyline\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/fhfa-tip-w-doc-lesli-gooch-manufactured-housing-institute-ceo-backstabs-manufactured-homeowners-affordable-housing-seekers-mh-independents-clayton-21st-vanderbilt-skyline\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_164020\" aria-describedby=\"caption-attachment-164020\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/dominating-manufactured-housings-top-50-2020-year-in-review-by-manufactured-home-professionals-news-analysis\/\" target=\"_blank\" rel=\"attachment noopener wp-att-164020\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-164020\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/01\/DominatingManufacturedHousingTop502020YearReviewManufacturedHomeProfessionalsNewsAnalysisMHProNews.jpg\" alt=\"DominatingManufacturedHousingTop502020YearReviewManufacturedHomeProfessionalsNewsAnalysisMHProNews\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-164020\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/dominating-manufactured-housings-top-50-2020-year-in-review-by-manufactured-home-professionals-news-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/dominating-manufactured-housings-top-50-2020-year-in-review-by-manufactured-home-professionals-news-analysis\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FHFA hosted a virtual listening session today with various nonprofits and interested parties in the Enterprise Housing Goals (EHG) for Fannie Mae and Freddie Mac. The link here has the previously filed comments by the Manufactured Housing Institute (MHI) CEO Lesli Gooch. This link also has today\u2019s comments as prepared and the related press release &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/\"> <span class=\"screen-reader-text\">\u201cPimple on an Elephant\u2019s Ass,\u201d \u201cShell Game\u201d &#8211; L.A. \u201cTony\u201d Kovach, Manufactured Housing Institute, Manufactured Housing Assoc for Regulatory Reform Speak at Enterprise Housing Goals FHFA \u201cListening Session\u201d<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":18965,"comment_status":"closed","ping_status":"closed","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":[5073],"tags":[451,5452,1761,5609,5606,4444,354,917,5610,5612,5,4468,4590,275,5605,5608,5611,5607,5603,5604],"class_list":["post-18959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-analysis","tag-berkshire-hathaway","tag-castle-and-moat","tag-clayton-homes","tag-crossmod","tag-enterprise-housing-goals","tag-fannie-mae","tag-fhfa","tag-freddie-mac","tag-iron-triangle","tag-knudson-law","tag-l-a-tony-kovach","tag-lesli-gooch","tag-manufactured-housing-assoc-regulatory-reform","tag-manufactured-housing-institute","tag-mark-weiss-jd","tag-sabotage-monopoly","tag-sam-strommen","tag-listening-session","tag-pimple-on-an-elephants-ass","tag-shell-game"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u201cPimple on an Elephant\u2019s Ass\u201d \u201cShell Game\u201d L A \u201cTony\u201d Kovach Gooch Manufactured Housing InstWeissManufactured Housing Assoc Regulatory Reform Enterprise Housing Goals FHFA \u201cListening Session\u201d<\/title>\n<meta name=\"description\" content=\"\u201cPimple on an Elephant\u2019s Ass\u201d, \u201cShell Game\u201d, L A \u201cTony\u201d Kovach, Lesli Gooch, Manufactured Housing Institute, Mark Weiss JD, Manufactured Housing Assoc Regulatory Reform, Enterprise Housing Goals, FHFA, Fannie Mae, Freddie Mac, \u201cListening Session\u201d, Sabotage Monopoly, CrossMod, Iron Triangle, Sam Strommen, Knudson Law, Clayton Homes, Berkshire Hathaway, Castle and Moat,\" \/>\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\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cPimple on an Elephant\u2019s Ass\u201d \u201cShell Game\u201d L A \u201cTony\u201d Kovach Gooch Manufactured Housing InstWeissManufactured Housing Assoc Regulatory Reform Enterprise Housing Goals FHFA \u201cListening Session\u201d\" \/>\n<meta property=\"og:description\" content=\"\u201cPimple on an Elephant\u2019s Ass\u201d, \u201cShell Game\u201d, L A \u201cTony\u201d Kovach, Lesli Gooch, Manufactured Housing Institute, Mark Weiss JD, Manufactured Housing Assoc Regulatory Reform, Enterprise Housing Goals, FHFA, Fannie Mae, Freddie Mac, \u201cListening Session\u201d, Sabotage Monopoly, CrossMod, Iron Triangle, Sam Strommen, Knudson Law, Clayton Homes, Berkshire Hathaway, Castle and Moat,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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