{"id":9084,"date":"2014-10-08T18:44:18","date_gmt":"2014-10-08T23:44:18","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=9084"},"modified":"2014-10-08T18:44:18","modified_gmt":"2014-10-08T23:44:18","slug":"dodd-frank-fatigue-rebellion-and-organized-resistance","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/dodd-frank-fatigue-rebellion-and-organized-resistance\/","title":{"rendered":"Dodd-Frank Fatigue, Rebellion and Organized Resistance"},"content":{"rendered":"<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Before launching this commentary on fatigue, rebellion and resistance to Dodd-Frank, SAFE and their regulators, let&#8217;s state the obvious for the record. No where in manufactured housing trade journalism do you find more compliance-focused columns: be it <\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/october-2014\/136-community-management-a-fair-housing-legal\/8406-hello-this-call-is-a-\" target=\"_blank\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Fair Housing<\/span><\/span><\/span><\/a><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">, <\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/industry-news\/industry-in-focus\/7896-the-sun-is-shining-discover-sensible-innovation-for-mlo-and-non-mlo-manufactured-housing-lending-and-communications-in-the-dodd-frank-era\" target=\"_blank\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">finance<\/span><\/span><\/span><\/a><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"> or other <\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/october-2014\/136-community-management-a-fair-housing-legal\/8397-why-the-ice-bucket-challenge-wasnt-trademarked\" target=\"_blank\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">legal<\/span><\/span><\/span><\/a><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"> topics. We don&#8217;t have to agree with a law &#8211; like Dodd-Frank, which some understandably see as grossly unConstitutional &#8211; to say that the path of <\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i><b>prudence suggests compliance while working to change the law<\/b><\/i><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">. <\/span><\/span><\/span><\/span><\/span><\/span><\/p><div id=\"manuf-19318650\" 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 lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/dont_tread_on_me_rally-to-restore-sanity-wikicommons-posted-masthead-mhpronews-com-.gif\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft  wp-image-9086\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/dont_tread_on_me_rally-to-restore-sanity-wikicommons-posted-masthead-mhpronews-com--344x430.gif\" alt=\"dont_tread_on_me_rally-to-restore-sanity-wikicommons-posted-masthead-mhpronews-com-\" width=\"241\" height=\"301\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/dont_tread_on_me_rally-to-restore-sanity-wikicommons-posted-masthead-mhpronews-com--344x430.gif 344w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/dont_tread_on_me_rally-to-restore-sanity-wikicommons-posted-masthead-mhpronews-com--120x150.gif 120w\" sizes=\"(max-width: 241px) 100vw, 241px\" \/><\/a>That said, let&#8217;s look at comments from the rebellious&#8230;<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">1) &#8230;some frankly scoff at the idea that Dodd-Frank is being complied with. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">2) There has also been quiet talk that includes the concept of setting up &#8216;test cases&#8217; that would directly challenge the constitutionality of Dodd-Frank, SAFE and the regulators thereof. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">3) Some want to fly under the radar, not because they may have this or that political agenda, but because they were allowed to do this legally before, why not now?<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">4) Others point to the fact that the very survival of their business model &#8211; from their perspective &#8211; is at risk. In life or death, some will opt for life even if they violate some new regulation in the process.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=9060\" target=\"_blank\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Born free in the U.S.A.<\/span><\/span><\/span><\/a><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">, these matters tends to tug at my heart strings, how about yours?<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>How much is too Much?<\/b><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">For some, the question of non-compliance is &#8220;practical.&#8221; How much interest is too much? How many or large a rate hike by MH Communities (aka mobile home park) on their site fees are too much? <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Remember, don&#8217;t shoot the messenger! This isn&#8217;t taking sides, the commentary reflects real talk in various places and with significant numbers of pros like yourself.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" style=\"text-align: center;\" align=\"LEFT\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/mhpronews-mharr-mhi-associations-graphic-manufactured-home-marketing-sales-management.gif\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-9087\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/mhpronews-mharr-mhi-associations-graphic-manufactured-home-marketing-sales-management.gif\" alt=\"mhpronews-mharr-mhi-associations-graphic-manufactured-home-marketing-sales-management\" width=\"271\" height=\"186\" \/><\/a><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Associations and Resistance<\/b><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Associations naturally tend toward legal action, to work within the system, to resist, modify or change laws. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">On the <\/span><\/span><\/span><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i><b>Masthead<\/b><\/i><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">, we have and will advocate that Industry pros avail themselves of the benefits and wisdom found in associations. Fresh from the Florida Manufactured Housing Association&#8217;s annual meeting, I can tell you that they are a fine example of top shelf efforts to Protect and Promote MH. More of a recap on that event soon.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" style=\"text-align: center;\" align=\"LEFT\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/balanced_scales-justice-wikicommons-masthead-blog-mhpronews-210x180-.gif\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-9088\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/balanced_scales-justice-wikicommons-masthead-blog-mhpronews-210x180-.gif\" alt=\"balanced_scales-justice-wikicommons-masthead-blog-mhpronews-210x180-\" width=\"211\" height=\"180\" \/><\/a><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">For those who say associations are dominated by the big boys, <\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i>well then work within the system (&#8230;if you feel that call&#8230;) to organize the voices to re-balance the scales. <\/i><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We haven&#8217;t just said people should do stuff, we are walking the walk and believe that is how all progress takes place \u2013 identify an issue, give it appropriate thought then real action!<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">My own sense has been that any firm &#8211; be it small, medium or large &#8211; who &#8220;get it&#8221; on associations benefit from being actively engage with them far more than the cost of their dues. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>All that said&#8230;<\/b><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The popularity of our coverage Industry in Focus special on the CFPB report and resulting controversies suggests that many are keen to be engaged in this struggle against a regulator whose power and rep pockets are unprecedented in American history. Congress can hold hearings, they can make calls and write letters to Cordray, but as the CFPB is currently organized, they can&#8217;t cut off funding without changing the law.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" style=\"text-align: center;\" align=\"LEFT\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/more-hot-october-reads-the-masthead-blog-mhpronews-.gif\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-9089\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/more-hot-october-reads-the-masthead-blog-mhpronews-.gif\" alt=\"more-hot-october-reads--the-masthead-blog-mhpronews-\" width=\"372\" height=\"110\" \/><\/a><\/p>\n<p lang=\"en-US\" style=\"text-align: center;\" align=\"LEFT\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/15-minutes-daily-mhpronews2.gif\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9090\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/10\/15-minutes-daily-mhpronews2.gif\" alt=\"15-minutes-daily-mhpronews(2)\" width=\"120\" height=\"111\" \/><\/a><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Overnight, this became the top read on MHProNews:<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/www.mhpronews.com\/home\/industry-news\/industry-in-focus\/8460-cfpb-report-alleges-manufactured-housing-lending-is-expensive-sparks-controversial-comments-from-cfed-mhi-and-other-mh-industry-professionals\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">http:\/\/www.mhpronews.com\/home\/industry-news\/industry-in-focus\/8460-cfpb-report-alleges-manufactured-housing-lending-is-expensive-sparks-controversial-comments-from-cfed-mhi-and-other-mh-industry-professionals<\/span><\/span><\/span><\/a><\/span><\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">While it is too soon to tell, media polling suggests that if the midterms where held today, the U.S. Senate would tilt 52R and 48D. If that&#8217;s so, expect more pressure on the CFPB once the new Congress is seated.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The legal resistance to Dodd-Frank is ongoing, not only from MH but from other industries as well. In less than 4 weeks, we may know how the new House and Senate will break down. One hunch we hear is that we could see a pivot by the CFPB if it break Republican in both chambers. We may soon see! ##<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-9028\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/09\/la-tony-kovach-latonykovach-com-.jpg\" alt=\"la-tony-kovach-latonykovach-com-\" width=\"126\" height=\"127\" \/><\/a>By <\/span><\/span><\/span><a href=\"http:\/\/LATonyKovach.com\/\" target=\"_blank\"><span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">LATonyKovach.com<\/span><\/span><\/span><\/span><\/a><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\">\n","protected":false},"excerpt":{"rendered":"<p>Before launching this commentary on fatigue, rebellion and resistance to Dodd-Frank, SAFE and their regulators, let&#8217;s state the obvious for the record. No where in manufactured housing trade journalism do you find more compliance-focused columns: be it Fair Housing, finance or other legal topics. We don&#8217;t have to agree with a law &#8211; like Dodd-Frank, &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/dodd-frank-fatigue-rebellion-and-organized-resistance\/\"> <span class=\"screen-reader-text\">Dodd-Frank Fatigue, Rebellion and Organized Resistance<\/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":[603,2888,3676,2166,1289,1083,1394,2066,445,3,30,7,8,1611,1278,1071,1118,2537],"class_list":["post-9084","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-annual-meeting","tag-business-model","tag-cfed","tag-cfpb","tag-finance","tag-florida","tag-florida-manufactured-housing-association","tag-housing-association","tag-industry-in-focus","tag-manufactured-housing","tag-manufactured-housing-trade-journal","tag-mharr","tag-mhi","tag-mhm","tag-mobile-home-park","tag-protect-and-promote","tag-trade-journal","tag-trade-journalism"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dodd-Frank Fatigue, Rebellion and Organized Resistance - 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\/dodd-frank-fatigue-rebellion-and-organized-resistance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dodd-Frank Fatigue, Rebellion and Organized Resistance - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Before launching this commentary on fatigue, rebellion and resistance to Dodd-Frank, SAFE and their regulators, let&#8217;s state the obvious for the record. No where in manufactured housing trade journalism do you find more compliance-focused columns: be it Fair Housing, finance or other legal topics. We don&#8217;t have to agree with a law &#8211; like Dodd-Frank, &hellip; Dodd-Frank Fatigue, Rebellion and Organized Resistance Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/dodd-frank-fatigue-rebellion-and-organized-resistance\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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