,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #cccc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #ai1 #bjba,mrs4  
,axne 7= h]self & ,mr4 ,khanna7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to ensure t f$]ally back$      
f9anc+ = ! con/ruction1 rehabilitation1 
or pur*ase ( manufactur$ home           
communities is available only =         
communities ^: own] has implem5t$ m9imum
 consum] protections 9 ! lease agreem5ts
 ) resid5ts ( all manufactur$ home      
communities own$ by su* own]1 & = o!r   
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,manufactur$ ,h\s+ ,t5ant's
 ,bill ( ,rights ,act ( #bjba4  #b4     
,requirem5ts = cov]$ loan programs  7a7 
,requirem5ts ,no loan %all be eligible =
 insurance by ! ,secret>y ( ,h\s+ &     
,urban ,developm5t or pur*ase by an     
ent]prise 7z su* t]m is def9$ 9 section 
#acjc ( ! ,h\s+ & ,community ,developm5t
 ,act ( #aiib 7#ab ,u4,s4,c4 #dejb771 z 
applicable1 "u a cov]$ loan program 7z  

su* t]m is def9$ "u section #d ( ?is    
,act7 unless-- 7#a7 ! borr[] "u ! loan  
c]tifies to ! ,secret>y or ! applicable 
ent]prise t ! borr[] w include1 9 any   
lease agreem5t = a pad site1 or a pad   
site & manufactur$ home1 locat$ 9 any   
manufactur$ home community t ! borr[] or
 an affiliate ( ! borr[] owns1 ! m9imum 
consum] protections specifi$ 9          
subsection 7b7 ( ?is section2 &  7#b7 ! 
borr[] complies ) regulations1 :i* %all 
be issu$ by ! ,secret>y or ! ,director1 
z applicable1 t require ! borr[] to     
submit docum5tation to ! ,secret>y1 or  
to ! applicable ent]prise & ,director t 
is suffici5t1 z det]m9$ by ! ,secret>y  
or ,director1 to ensure t ! borr[] is   
comply+ ) ! c]tification pursuant to    
p>agraph 7#a71 :i* %all include a copy (
 ! /&>d lease agreem5t us$ by ! borr[] t
 includes su* m9imum protections4  7b7  
,m9imum consum] protections ,! m9imum   
consum] protections specifi$ 9 ?is      
subsection are z foll[s3 7#a7 ,"o-ye>   
lease t]ms t are r5ewable = additional  

"o-ye> t]ms unless !re is good cause =  
non-r5ewal4  7#b7 ,a "r to receive      
writt5 notice ( any newly requir$ *>ges 
7includ+ wat] & o!r utilities7 or       
increase 9 ! r5ts = pad sites1 or pad   
sites & manufactur$ homes1 locat$ 9 !   
community1 includ+ a writt5 ju/ification
 ( ! increase ) in=mation on increases 9
 ! co/s ( op]at+1 ma9ta9+1 or improv+ ! 
community4 ,su* notice %all be provid$  
to ! t5ant n less ?an #fj days be=e !   
effective date ( any newly requir$ *>ge 
or increase 9 ! r5ts1 except t-- 7,a7 9 
! case ( any increase exce$+ #e p]c5t ( 
! previ\s mon?ly r5t1 an additional     
#cj-;days notice mu/ be provid$ = ea*   
additional #b4e-p]c5t increase 9 ! r5t4 
7,b7 ,su* notice mu/ also include       
id5tification ( ! am\nt (1 & a          
description (1 any newly requir$ *>ges  
7includ+ wat] & o!r utilities7 t ! t5ant
 is n curr5tly responsible = b w be     
responsible = ^u ! r5t increase &1 if   
available1 an e/imate ( ! mon?ly am\nt (
 su* *>ges4  7,c7 ,mon?ly r5t ,=        

purposes ( ! calculation 9 subp>agraph  
7,a71 ! am\nt ( any increase 9 ! mon?ly 
r5t = a dwell+ unit %all be consid]$ to 
include any newly requir$ *>ges describ$
 9 subp>agraph 7,b71 & any *>ges )\t an 
e/imate ( ! mon?ly am\nt %all be e/imat$
 at #e p]c5t ( ! previ\s mon?ly r5t4    
7#c7 ,a #e-;day grace p]iod = r5t       
paym5ts4  7#d7 ,a "r to cure defaults on
 r5t paym5ts4  7#e7 ,a "r = a t5ant to  
sell a manufactur$ home own$ by ! t5ant 
)\t hav+ to fir/ relocate x out ( !     
community4  7#f7 ,a "r = a t5ant to sell
 a manufactur$ home own$ by ! t5ant 9   
place )9 a reasonable "t p]iod1 b n     
%ort] ?an #de days1 aft] eviction by !  
manufactur$ h\s+ community own]4  7#g7  
,a "r = a t5ant :o owns a manufactur$   
home-- 7,a7 to sublease or assign ! pad 
site lease = ! unexpir$ t]m to a new    
buy] ( ! t5ant's manufactur$ home unless
 ! prospective t5ant fails to meet !    
community's reasonable & uni=mly appli$ 
application crit]ia2 &  7,b7 9 su* a    
case ( d5ial1 a "r to writt5 notice     

provid$ by ! own] ( ! community in=m+ ! 
t5ant ( ! d5ial & ! prospective t5ant ( 
! d5ial & ! specific reason or reasons =
 d5ial4  7#h7 ,a "r = a t5ant :o owns a 
manufactur$ home to po/ ,= ,sale signs4 
7#i7 ,a "r to receive #fj-;day advance  
writt5 notice ( ! plann$ sale or closure
 ( ! manufactur$ h\s+ community4  7#aj7 
7,a7 ,a "r aga9/ t]m9ation ( t5ancy     
except 9 cases 9 :i* a t5ant engages 9 a
 mat]ial noncompliance ) ! r5tal        
agreem5t1 a t5ant commits a mat]ial     
violation ( ! manufactur$ home community
 reasonable rules or regulations1 or !  
community has a mat]ial1 legitimate1 &  
uni=mly appli$ bus9ess reason =         
t]m9ation t 0 includ$ 9 ! lease agreem5t
 z gr\nds = t]m9ation4  7,b7 ,9 su* a   
case ( t]m9ation1 a "r to writt5 notice 
provid$ by ! own] ( ! community in=m+ ! 
t5ant ( ! t]m9ation & ! specific reason 
or reasons = t]m9ation4  ,no?+ 9 ?is    
subsection may be con/ru$ to annul1     
alt]1 or affect any ,/ate or local law  
provid+ great] protections to t5ants (  

manufactur$ home communities ?an !      
protections af=d$ "u ?is subsection4    
7c7 ,pric+ inc5tives ,any cov]$ pric+   
inc5tive (f]$ = loans issu$ aft] ! date 
( ! enactm5t ( ?is ,act %all rew>d      
implem5tation ( resid5t protections t   
are m protective ?an ^? specifi$ 9      
subsection 7b74 ,any cov]$ pric+        
inc5tive t does n comply ) ?is          
requirem5t may n be (f]$ = any loan     
issu$ aft] ! date ( ! enactm5t ( ?is    
,act4  7d7 ,publication ,! ,secret>y &  
,director %all make ! li/ ( prop]ties   
cov]$ by ! protections 9 subsection 7b7 
publicly available on a s+le website4   
,prop]ties :i* are cov]$ z ( ! date (   
enactm5t by ! ,f$]al ,national ,mortgage
 ,association's ,t5ant ,site ,lease     
,protections or ! ,f$]al ,home ,loan    
,mortgage ,corporation's ,,mhc ,t5ant   
,protections %all also be made publicly 
available1 & %all include an explanation
 ( ! diff]5ces betwe5 ^? protections & !
 m9imum consum] protections 9 subsection
 7b74  7e7 ,p5alties ,! ,secret>y &     

,director %all prohibit ! borr[] or an  
affiliate ( ! borr[] f secur+ future    
f$]ally back$ f9anc+ or o!r h\s+-relat$ 
,f$]al assi/ance = at lea/ #c ye>s1 &   
%all also det]m9e appropriate p5alties =
 any borr[] :o fails to include !       
consum] protections 9 subsection 7b7 9  
any lease agreem5t1 or fails to comply )
 a lease agreem5t includ+ ! protections 
9 subsection 7b74 ,su* p5alties %all be 
9 addition to m9imum paym5ts to ! injur$
 t5ant7s7 z foll[s3 7#a7 ,= a violation 
( p>agraph 7#a7 or 7#aj71 #f mon?s ( !  
curr5t mon?ly r5t4  7#b7 ,= a violation 
( p>agraph 7#b71 any increas$ r5t mu/ be
 paid back to ! t5ant ) int]e/1 plus #be
 p]c5t4  7#c7 ,= a violation ( p>agraph 
7#c71 any p5alties or late fees mu/ be  
paid back to ! t5ant ) int]e/1 plus #be 
p]c5t4  7#d7 ,= a violation ( p>agraph  
7#d71 7#e71 or 7#f71 ! great] ( ! sale  
price ( ! manufactur$ home if ! borr[]  
or an affiliate sells x )9 #ab mon?s ( !
 violation or #ab mon?s ( ! prior mon?ly
 r5t4  7#e7 ,= a violation ( p>agraph   

7#g7 or 7#h71 ! total rema9+ mon?ly r5t 
ow$ on ! t5ant's lease4  7#f7 ,= a      
violation ( p>agraph 7#i71 ! great] (   
#ab mon?s r5t1 or #bj p]c5t ( ! sale    
price ( ! community divid$ by ! numb] ( 
t5ants 9 ! manufactur$ h\s+ community4  
#c4 ,manufactur$ ,home ,company ,l5d+   
,/&>ds ,commission  7a7 ,e/abli%m5t ,!re
 is e/abli%$ a commission to be kn[n z !
 ,manufactur$ ,home ,company ,l5d+      
,/&>ds ,commission 79 ?is section ref]r$
 to z ! ,commission74  7b7 ,duties  7#a7
 ,propos$ /&>ds ,n lat] ?an ! expiration
 ( ! #ab-mon? p]iod beg9n+ on ! date ( !
 enactm5t ( ?is ,act1 ! ,commission %all
 submit to ! ,congress1 ! ,secret>y (   
,h\s+ & ,urban ,developm5t1 & !         
,director ( ! ,f$]al ,h\s+ ,f9ance      
,ag5cy a report t sets =? propos$       
consum] protection /&>ds = ! cov]$ loan 
programs t-- 7,a7 are 9 addition to &   
provide great] protection ?an !         
requirem5ts "u section #b7;b72 &  7,b7  
c\ld be us$ z a basis = e/abli%+ cov]$  
pric+ inc5tives "u ! cov]$ loan programs

 t comply ) section #b7;c74  7#b7 ,/&>d 
= det]m9ations ,any det]m9ation by !    
,commission to approve a consum]        
protection 9 ! propos$ /&>ds requir$ "u 
p>agraph 7#a7 %all be made by a vote ( a
 simple majority ( ! memb]s ( !         
,commission4  7c7 ,memb]%ip  7#a7 ,numb]
 & appo9tm5t ,! ,commission %all be     
compos$ ( #ad memb]s1 z foll[s3 7,a7 ,! 
,secret>y ( ,h\s+ & ,urban ,developm5t  
7or ! ,secret>y's designee74  7,b7 ,!   
,director ( ! ,f$]al ,h\s+ ,f9ance      
,ag5cy 7or ! ,director's designee74     
7,c7 ,?ree ea* %all be appo9t$ by !     
,speak] ( ! ,h\se ( ,repres5tatives1 !  
m9ority lead] ( ! ,h\se (               
,repres5tatives1 ! majority lead] ( !   
,s5ate1 & ! m9ority lead] ( ! ,s5ate4 ,(
 ! ?ree memb]s appo9t$ by ea* su*       
(fic]-- 7i7 "o %all be employ$ at ! "t (
 appo9tm5t z a pr(essor or academic     
rese>*] ) demon/rat$ backgr\nd 9 h\s+ & 
consum] protection issues1 especially z 
!y relate to manufactur$ h\s+2  7ii7 "o 
%all be a curr5t or =m] memb] (         

,congress2 &  7iii7 "o %all be a curr5t 
resid5t & t5ant at a manufactur$ h\s+   
community4  7#b7 ,*airp]son &           
co-*airp]son  7,a7 ,*airp]son ,!        
*airp]son ( ! ,commission %all be       
designat$ by ! ,presid5t f among !      
memb]s ( ! ,commission4  7,b7           
,co-*airp]son ,! co-*airp]son %all be   
select$ z foll[s3 7i7 ,designation by   
,speak] ( ! ,h\se ,if1 on ! date (      
appo9tm5t1 ! ,speak] ( ! ,h\se is ( a   
diff]5t political p>ty ?an ! ,presid5t1 
! ,speak] ( ! ,h\se %all designate !    
co-*airp]son f among ! memb]s ( !       
,commission4  7ii7 ,designation by      
m9ority lead] ( ! ,h\se ,if1 on ! date (
 appo9tm5t1 ! ,speak] ( ! ,h\se is ( !  
same political p>ty z ! ,presid5t1 !    
m9ority lead] ( ! ,h\se %all designate !
 co-*airp]son f among ! memb]s ( !      
,commission4  7#c7 ,tim+ ( appo9tm5ts   
,appo9tm5ts to ! ,commission %all be    
made n lat] ?an #de days aft] ! date ( !
 enactm5t ( ?is ,act4  7#d7 ,t]ms2      
vacancies ,ea* memb] %all be appo9t$ = !

 life ( ! ,commission4 ,any vacancy 9 ! 
,commission %all n affect its p[]s &    
%all be fill$ )9 #de days ( ! vacancy 9 
! mann] 9 :i* ! orig9al appo9tm5t 0     
made4  7#e7 ,he>+s ,9 c>ry+ out its     
duties "u ?is section1 ! ,commission is 
au?oriz$ to hold su* he>+s & take       
te/imony ) respect to matt]s to :i* x   
has a responsibility "u ?is section4 ,! 
*airp]son1 or any memb] au?oriz$ by !   
*airp]son1 may adm9i/] oa?s or          
affirmations to witnesses appe>+ be=e ! 
,commission4  7#f7 ,prohibition (       
comp5sation ,memb]s ( ! ,commission %all
 s]ve )\t pay4  7d7 ,op]ation & p[]s    
7#a7 ,meet+s ,! ,commission %all meet n 
lat] ?an #cj days aft] ! date ^u :i* a  
majority ( its memb]s h be5 appo9t$ & at
 su* times !reaft] z ! *airp]son or     
co-*airp]son %all det]m9e4 ,detail$     
m9utes ( ea* meet+ ( ! ,commission1     
except = any clos$ session1 %all be kept
 & %all include a record ( ! p]sons     
pres5t & a complete & accurate          
description ( matt]s discuss$4  7#b7    

,rules ( proc$ure ,! *airp]son &        
co-*airp]son %all1 ) ! approval ( a     
majority ( ! memb]s ( ! ,commission1    
e/abli% writt5 rules ( proc$ure = !     
,commission1 :i* %all include a quorum  
requirem5t to conduct ! bus9ess ( !     
,commission4  7#c7 ,he>+s ,! ,commission
 %all hold no few] ?an #b he>+s on      
matt]s to c>ry out its duties "u        
subsection 7b74 ,! ,commission may take 
te/imony & receive evid5ce z !          
,commission consid]s appropriate4       
,timely public notice ( ea* he>+1       
includ+ ! "t1 place1 & ag5da ( ! meet+1 
%all be provid$ by any means det]m9$ by 
! ,commission to provide = wide         
publicity4 ,timely notice ( ea* regul>  
meet+ %all be publi%$ 9 ! ,f$]al        
,regi/]4 ,int]e/$ p]sons %all be p]mitt$
 to submit writt5 /atem5ts reg>d+ !     
matt]s on ! ag5da ( su* he>+s4  #d4     
,def9itions ,= purposes ( ?is ,act1 !   
foll[+ def9itions %all apply3 7#a7      
,affiliate ,except z provid$ by !       
,secret>y ( ,h\s+ & ,urban ,developm5t  

or ! ,director ( ! ,f$]al ,h\s+ ,f9ance 
,ag5cy1 z applicable1 ! t]m affiliate   
means1 ) respect to a borr[] ref]r$ to 9
 section #b7;a71 any entity t controls1 
is controll$ by1 or is "u common control
 )1 ! borr[]4  7#b7 ,cov]$ loan program 
,! t]m cov]$ loan program means any ( ! 
foll[+ programs3 7,a7 ,! program "u     
section #bjg ( ! ,national ,h\s+ ,act   
7#ab ,u4,s4,c4 #agac7 = insurance (     
loans = f9anc+ = ! con/ruction or       
sub/antial rehabilitation ( manufactur$ 
home p>ks4  7,b7 ,! program ( ! ,f$]al  
,national ,mortgage ,association =      
multifamily loans = manufactur$ h\s+    
communities4  7,c7 ,! program ( ! ,f$]al
 ,home ,loan ,mortgage ,corporation =   
loans = manufactur$ h\s+ communities4   
7#c7 ,cov]$ pric+ inc5tive ,! t]m cov]$ 
pric+ inc5tive means any pric+ disc\nt  
available to borr[]s "u any ( ! cov]$   
loan programs t rew>ds ! borr[]'s       
implem5tation ( "o or m specific resid5t
 protections & is design$ to ensure t ! 
b5efits ( a cov]$ loan program are      

provid$ at a l[] co/ = manufactur$ home 
communities bas$ on ! ext5t to :i*      
resid5ts ( a manufactur$ home community 
are bett] protect$ f pr$atory r5t       
increases & managem5t practices4  7#d7  
,director ,! t]m ,director ref]s to !   
,director ( ! ,f$]al ,h\s+ ,f9ance      
,ag5cy4  7#e7 ,manufactur$ home ,! t]m  
manufactur$ home has ! mean+ giv5 su*   
t]m 9 section #fjc7f7 ( ! ,national     
,manufactur$ ,h\s+ ,con/ruction ,safety 
& ,/&>ds ,act ( #aigf1 except t su* t]m 
%all include any /ructure describ$ 9 su*
 section )\t reg>d to :e!r su* /ructure 
complies ) any /&>ds "u su* ,act & )\t  
reg>d to ! date ( ! manufacture ( su*   
/ructure4  7#f7 ,manufactur$ home       
community ,! t]m manufactur$ home       
community means any community1 c\rt1 or 
p>k equipp$ to accommodate manufactur$  
homes = :i* pad sites or pad sites & !  
manufactur$ homes1 or bo?1 are leas$ to 
resid5ts to be us$ prim>ily = resid5tial
 purposes1 includ+ any manufactur$ h\s+ 
community z su* t]m is us$ = purposes ( 

a program ref]r$ to 9 subp>agraph 7,b7  
or 7,c7 ( p>agraph 7#b74  #e4 ,fund+ ,no
 additional funds are au?oriz$ to be    
appropriat$ to c>ry out ?is ,act4 ,any  
exp5ses requir$ to c>ry out ?is ,act    
%all be fund$ us+ am\nts o!rwise        
available to ! ,dep>tm5t ( ,h\s+ &      
,urban ,developm5t or to ! ,f$]al ,h\s+ 
,f9ance ,ag5cy4  #f4 ,t]m9ation ,!      
,commission %all t]m9ate ^u ! submission
 ( ! report requir$ "u section #c7;b74