{"id":9812,"date":"2015-05-14T08:41:52","date_gmt":"2015-05-14T13:41:52","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=9812"},"modified":"2015-05-16T13:51:54","modified_gmt":"2015-05-16T18:51:54","slug":"countdown-to-conflict-begins","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/countdown-to-conflict-begins\/","title":{"rendered":"Countdown to Conflict Begins?"},"content":{"rendered":"<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">As always, there is so much going on in Manufactured Housing (MH), picking a topic to focus on tonight is a little like picking from the smorgasbord at a top notch buffet. Given the looming discussion in the U.S. Senate on a key issue for our industry, millions of MH consumers and prospective buyers, we will focus today on that pending bill.<\/span><\/span><\/span><\/p><div id=\"manuf-908405800\" 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<figure id=\"attachment_9817\" aria-describedby=\"caption-attachment-9817\" style=\"width: 220px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/Richard_ShelbySenate_Banking-Committee-Chairman-credit-wikicommons-posted-masthead-mhpronews-com-.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-9817\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/Richard_ShelbySenate_Banking-Committee-Chairman-credit-wikicommons-posted-masthead-mhpronews-com-.jpg\" alt=\"Richard_ShelbySenate_Banking-Committee-Chairman-credit-wikicommons-posted-masthead-mhpronews-com-\" width=\"220\" height=\"278\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/Richard_ShelbySenate_Banking-Committee-Chairman-credit-wikicommons-posted-masthead-mhpronews-com-.jpg 220w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/Richard_ShelbySenate_Banking-Committee-Chairman-credit-wikicommons-posted-masthead-mhpronews-com--119x150.jpg 119w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/><\/a><figcaption id=\"caption-attachment-9817\" class=\"wp-caption-text\">Official photo, Senator Richard Shelby, photo credit Wikicommons.<\/figcaption><\/figure>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Let&#8217;s start with what MHI has to say on this topic, quoting:<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">&#8220;The Manufactured Housing Institute (MHI) today lauded Senate Banking Committee Chairman Richard Shelby (R-AL) for including in his regulatory reform package important pro-consumer provisions designed to improve access to affordable financing for manufactured home buyers. <a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/u-s-senate-finance-regulatory-act-includess628-preservingaccesstomanufacturedhousingact-posted-masthead-mhpronews-com-.pdf\" target=\"_blank\">Click here to view The Financial Regulatory Improvement Act of 2015. Manufactured housing language is covered in section 108<\/a>.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">The provisions, are identical to those contained in S. 682, the Preserving Access to Manufactured Housing Act, bipartisan legislation introduced by Senator Donnelly (D-IN) and cosponsored by Senators Toomey (R-PA), Manchin (D-WV), and Cotton (R-AR). They also mirror legislation recently passed in the U.S. House of Representatives (H.R. 650), a bill supported by the National Association of Realtors, Mortgage Bankers Association, National Organization of African Americans in Housing, National Association of Federal Credit Unions, NAMB, National Association of Mortgage Professionals, and the California Association of Mortgage Professionals.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Manufactured housing lenders have left the industry or eliminated certain loans because of increased liability, which has made it extremely difficult for buyers to find financing. The situation has hurt the resale market, forcing existing owners to accept lowball, cash-only prices for their manufactured homes. This drives down surrounding property values and negatively impacts entire neighborhoods.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Chairman Shelby&#8217;s regulatory relief package addresses the harm consumers are experiencing due to current regulations that don&#8217;t work for smaller affordable homes, making it difficult for lenders to make these loans. The bill adjusts percentage thresholds that already exist under the Dodd-Frank Act to address the impact of fixed costs on smaller loans. The bill also improves the definition of a mortgage originator, enabling manufactured housing retailers to help consumers as long as they receive no compensation &#8211; e.g., payments from lenders. This is the same standard that applies to real estate agents selling site-built homes. These are minor and reasonable adjustments to federal regulation, and preserve all the major consumer protections such as QM Ability to Repay, prohibition against steering, and loan term disclosures.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">The Senate Banking Committee is scheduled to consider Chairman Shelby&#8217;s regulatory relief legislation on May 21st at 10:00 a.m.&#8221;<\/span><\/span><\/span><\/p>\n<figure id=\"attachment_9818\" aria-describedby=\"caption-attachment-9818\" style=\"width: 575px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/see link : http:\/\/www.mhpronews.com\/home\/industry-news\/industry-in-focus\/9540-ozy-medias-trailer-park-nation-a-dizzying-mix-of-falsehood-facts-fables-and-fiction-under-a-qtrue-storyq-banner\" target=\"_blank\"><img decoding=\"async\" class=\"size-medium wp-image-9818\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/trailer-park-nation-creditozy-media-posted-masthead-blog-mhpronews--575x185.jpg\" alt=\"trailer-park-nation-credit=ozy-media-posted-masthead-blog-mhpronews-\" width=\"575\" height=\"185\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/trailer-park-nation-creditozy-media-posted-masthead-blog-mhpronews--575x185.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/trailer-park-nation-creditozy-media-posted-masthead-blog-mhpronews--150x48.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/trailer-park-nation-creditozy-media-posted-masthead-blog-mhpronews-.jpg 768w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><figcaption id=\"caption-attachment-9818\" class=\"wp-caption-text\">Credit Ozy Media &#8211; see link : http:\/\/www.mhpronews.com\/home\/industry-news\/industry-in-focus\/9540-ozy-medias-trailer-park-nation-a-dizzying-mix-of-falsehood-facts-fables-and-fiction-under-a-qtrue-storyq-banner<\/figcaption><\/figure>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"><b>Countdown to Conflict<\/b><\/span><\/span><\/span><\/span><\/p>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">In the light of this pending Senate clash over access to more MH lending, can we wonder why OZY Media picked this time frame to target manufactured housing with their spin-filled and denigrating <\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"><i>&#8220;<\/i><\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"><i><b>Trailer House Nation<\/b><\/i><\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"><i>&#8220;<\/i><\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"> series last week? <\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Is it surprise that Ishbel Dickens at NMHOA and Doug Ryan at CFED are ducking the private and public invite to engage OZY to correct that publisher&#8217;s errors in their series that undermines the very MH values that they claim to be advocating on behalf of with their work?<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">When you can&#8217;t defend a policy, there are tactics that can be used by those with a weak argument in a public debate. Some of them include:<\/span><\/span><\/span><\/p>\n<ul>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Ignore the questions. <\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Point to something entirely different (red herrings). <\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Use the<i> ad hominem<\/i> (attack on the person). <\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Use the straw man argument, where you set up a false narrative (&#8220;the straw man&#8221;), and knock that wimpy figure down; posturing as if that KO was a legitimate blow at a real argument.<\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">We&#8217;ve seen Ms. Dickens fail to respond before to issues and facts that don&#8217;t fit their narrative. But it is simultaneously disappointing and enlightening to see CFED&#8217;s Ryan ducking on tough questions. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Policy wonks ought to be able to articulate something beyond their talking points. When confronted with facts, a serious policy advocate ought to be able to defend it, or if shown to be wrong, be woman or man enough to admit it. Anything other than that is a kind of charlatanism. <\/span><\/span><\/span><\/p>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">That said, we have and will continue the policy of allowing organizations and perspectives across the spectrum here on <\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><u><a class=\"western\" href=\"http:\/\/mhpronews.com\/\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">MHProNews.com<\/span><\/span><\/span><\/span><\/a><\/u><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">. That is how a trade journal can fuel the understating of an issue.<\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Let me hasten to add that a different non-for-profit has sent a private message saying they did reach out to OZY, and chided them for poor terminology and other errors. Will others stand up and do the same?<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">The letter Barney Frank sent to James Cook, that our reader so thoughtfully sent to MHProNews.com to be published, was read into the Congressional record in the discussion on HR 650, which passed. Working with pros like you, together, we are making a difference. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">That difference depends on YOU and your circle to be engaged.<\/span><\/span><\/span><\/p>\n<figure id=\"attachment_1462\" aria-describedby=\"caption-attachment-1462\" style=\"width: 274px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/may-2015\/138-general-manufactured-housing-industry-topics\/9519-whats-coming-soon-in-mh-image-and-education\" target=\"_blank\"><img decoding=\"async\" class=\"size-full wp-image-1462\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2011\/02\/2011-02-28_1941_puzzle2.png\" alt=\"Lumaxart Graphic by Scott Maxwell\" width=\"274\" height=\"277\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2011\/02\/2011-02-28_1941_puzzle2.png 274w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2011\/02\/2011-02-28_1941_puzzle2-148x150.png 148w\" sizes=\"(max-width: 274px) 100vw, 274px\" \/><\/a><figcaption id=\"caption-attachment-1462\" class=\"wp-caption-text\">Lumaxart Graphic by Scott Maxwell.<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">We have had team members and myself write our Senators in support of S 682. So I can look you in the digital eye and say, please, <\/span><\/span><\/span><\/p>\n<ul>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: medium;\">call the Capitol Switchboard at (202) 224-3121. They can connect you to your two U.S. Senators. <\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: medium;\">Or email them &#8211; find your senator at this link&#8230;<\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">http:\/\/www.senate.gov\/senators\/contact\/<\/span><\/span><\/span><\/p>\n<ul>\n<li>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: medium;\">&#8230;or use MHI&#8217;s Engage. <\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: medium;\">Pick your favorite way to reach out and ask for support on S 682. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Count on the fact that the other side is doing all they can to undermine the MH industry&#8217;s position. We are seeing it in slanted media coverage that hardly deserves the name &#8216;journalism.&#8217; <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">We are in a conflict over the future of our industry and the security of our MHI home owners. There are in fact many conflicts over our industry&#8217;s future and potential. These arise from within and without the MH business community. Pick up the phone to email or call your Senator. Ask them to support S 682, the Preserving access to Manufactured Housing Act.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\"><i><b>Looking ahead&#8230;<\/b><\/i><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, sans-serif;\"><span style=\"font-size: small;\">Watch for something eye popping in the very near future. We will keep you posted. Please pass the good word on. ##<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><strong><em>UPDATE:<\/em><\/strong> The article has been RELEASED! Here it is:<\/p>\n<h2 class=\"post-box-title\"><a href=\"http:\/\/manufacturedhomelivingnews.com\/dodd-frank-and-manufactured-home-financing-the-place-where-good-intentions-and-unintended-consequences-collide\/\" target=\"_blank\" rel=\"bookmark\">Dodd-Frank and Manufactured Home Financing: The Place Where Good Intentions and Unintended Consequences Collide<\/a><\/h2>\n<p style=\"text-align: left;\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"><a href=\"http:\/\/latonykovach.com\/the-mh-alliance-partners-in-progress.php\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\" size-full wp-image-9797 alignleft\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/latonykovach-louisiville2015-mhpronews-business-building-seminars-.png\" alt=\"latonykovach-louisiville2015-mhpronews-business-building-seminars-\" width=\"352\" height=\"249\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/latonykovach-louisiville2015-mhpronews-business-building-seminars-.png 352w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/05\/latonykovach-louisiville2015-mhpronews-business-building-seminars--150x106.png 150w\" sizes=\"(max-width: 352px) 100vw, 352px\" \/><\/a><\/span><\/span><\/span><\/span><\/p>\n<p style=\"text-align: left;\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">By <\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: small;\"><a class=\"western\" href=\"http:\/\/latonykovach.com\/testimonials\"><span style=\"color: #0000ff;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">L. A. &#8216;Tony&#8217; Kovach<\/span><\/span><\/span><\/span><\/a><\/span><\/span><\/span><span style=\"color: #0000ff;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">.<\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As always, there is so much going on in Manufactured Housing (MH), picking a topic to focus on tonight is a little like picking from the smorgasbord at a top notch buffet. Given the looming discussion in the U.S. Senate on a key issue for our industry, millions of MH consumers and prospective buyers, we &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/countdown-to-conflict-begins\/\"> <span class=\"screen-reader-text\">Countdown to Conflict Begins?<\/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":[3926,3940,3676,3932,3927,3931,3941,3918,3922,3934,3944,3917,3930,3,275,3923,3717,1994,8,2058,3938,3937,3939,3935,3936,3943,3942,3925,3921,3933,3929,2207,3924,3920,3928],"class_list":["post-9812","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-bipartisan-legislation-introduced-by-senator-donnelly","tag-california-association-of-mortgage-professionals","tag-cfed","tag-cotton","tag-d-in","tag-d-wv","tag-dodd-frank-act-to-address-the-impact-of-fixed-costs-on-smaller-loans-the-bill-also-improves-the-definition-of-a-mortgage-originator","tag-doug-ryan","tag-financial-regulatory-improvement-act-of-2015","tag-h-r-650","tag-hominem","tag-ishbel-dickens","tag-manchin","tag-manufactured-housing","tag-manufactured-housing-institute","tag-manufactured-housing-language-is-covered-in-section-108","tag-manufactured-housing-lenders","tag-mh","tag-mhi","tag-mortgage-bankers-association","tag-namb","tag-national-association-of-federal-credit-unions","tag-national-association-of-mortgage-professionals","tag-national-association-of-realtors","tag-national-organization-of-african-americans-in-housing","tag-nmhoa","tag-ozy","tag-preserving-access-to-manufactured-housing-act","tag-r-al","tag-r-ar","tag-r-pa","tag-regulatory-reform","tag-s-682","tag-senate-banking-committee-chairman-richard-shelby","tag-senators-toomey"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Countdown to Conflict Begins? - 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\/countdown-to-conflict-begins\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Countdown to Conflict Begins? - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"As always, there is so much going on in Manufactured Housing (MH), picking a topic to focus on tonight is a little like picking from the smorgasbord at a top notch buffet. Given the looming discussion in the U.S. Senate on a key issue for our industry, millions of MH consumers and prospective buyers, we &hellip; Countdown to Conflict Begins? 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