,,ii  #aai? ,,congress  #a/ ,session    
,s4 #aaid  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #bg1 #bjbe,mrs4   
,%ahe5 7= h]self1 ,mr4 ,blum5?al1 & ,mr4
 ,fett]man7 introduc$ ! foll[+ bill2 :i*
 0 read twice & ref]r$ to ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs  ,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 ( #bjbe4  #b4     
,def9itions ,= purposes ( ?is ,act1 !   
foll[+ def9itions %all apply3 7#a7      
,affiliate ,except z provid$ by !       
,secret>y or ! ,director1 z applicable1 
! t]m affiliate means1 ) respect to a   
borr[] ref]r$ to 9 section #c7;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$]al ,national ,mortgage  
,association = multifamily loans =      
manufactur$ home communities4  7,c7 ,!  
program ( ! ,f$]al ,home ,loan ,mortgage
 ,corporation = loans = manufactur$ home
 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 ( #a 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 means ! ,director ( ! ,f$]al  
,h\s+ ,f9ance ,ag5cy4  7#e7 ,ent]prise  
,! t]m ent]prise has ! mean+ giv5 ! t]m 
9 section #acjc ( ! ,f$]al ,h\s+        
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   
#dejb74  7#f7 ,manufactur$ home ,! t]m  
manufactur$ home-- 7,a7 has ! mean+ giv5
 ! t]m 9 section #fjc ( ! ,national     
,manufactur$ ,h\s+ ,con/ruction ,safety 
& ,/&>ds ,act ( #aigf 7#db ,u4,s4,c4    
#edjb72 &  7,b7 includes any /ructure   
describ$ 9 su* section #fjc )\t reg>d   
to-- 7i7 :e!r ! /ructure complies ) any 
/&>ds "u su* ,act2 &  7ii7 ! date ( !   
manufacture ( ! /ructure4  7#g7         
,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$ home community1 

z ! t]m is us$ = purposes ( a program   
describ$ 9 subp>agraph 7,b7 or 7,c7 (   
p>agraph 7#b74  7#h7 ,secret>y ,! t]m   
,secret>y means ! ,secret>y ( ,h\s+ &   
,urban ,developm5t4  #c4 ,requirem5ts = 
cov]$ loan programs  7a7 ,requirem5ts   
,on & aft] ! date t is #ahj days aft] ! 
date ( enactm5t ( ?is ,act1 no loan %all
 be eligible = insurance by ! ,secret>y 
or pur*ase by an ent]prise1 z           
applicable1 "u a cov]$ loan program     
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 describ$ 9          
subsection 7b72 &  7#b7 ! borr[]        
complies ) regulations issu$ by !       
,secret>y or ! ,director1 z applicable1 
t require ! borr[] to submit            
docum5tation to ! ,secret>y1 or to !    
applicable ent]prise & ! ,director1 t is

 suffici5t1 z det]m9$ by ! ,secret>y or 
! ,director1 to ensure t ! borr[] is    
comply+ ) ! c]tification describ$ 9     
p>agraph 7#a71 :i* %all include a copy (
 ! /&>d lease agreem5t us$ by ! borr[] t
 includes ! m9imum protections describ$ 
9 subsection 7b74  7b7 ,m9imum consum]  
protections  7#a7 ,9 g5]al ,! m9imum    
consum] protections describ$ 9 ?is      
subsection are z foll[s3 7,a7 #a-ye>    
lease t]ms t are r5ewable = additional  
#a-ye> t]ms unless !re is good cause =  
non-r5ewal4  7,b7 7i7 ,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  7ii7 ,a writt5 notice       
describ$ 9 clause 7i7 %all-- 7,i7 be    
provid$ to ! t5ant n less ?an #fj days  
be=e ! effective date ( any newly       
requir$ *>ge or increase 9 ! r5ts1      

except t1 9 ! case ( any increase exce$+
 #e p]c5t ( ! previ\s mon?ly r5t1 an    
additional #cj-;days notice %all be     
provid$ = ea* additional #b4e-p]c5t     
increase 9 ! r5t2 &  7,,ii7 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 (
 ^? *>ges4  7iii7 ,= purposes ( !       
calculation 9 clause 7i77,i7-- 7,i7 !   
am\nt ( any increase 9 ! mon?ly r5t = a 
dwell+ unit %all be consid]$ to include 
any newly requir$ *>ges describ$ 9      
clause 7i77,,ii72 &  7,,ii7 any newly   
requir$ *>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 paym5ts )9 #ae  
days ( ! due date4  7,e7 ,a "r = a t5ant
 :o owns a manufactur$ home to sell a   
manufactur$ home own$ by ! t5ant )\t    

hav+ to fir/ relocate ! manufactur$ home
 out ( ! community4  7,f7 ,a "r = a     
t5ant :o owns a manufactur$ home to sell
 a manufactur$ home own$ by ! t5ant 9   
place )9 a reasonable "t p]iod1 b n     
e>li] ?an #de days1 aft] eviction by !  
own] ( ! manufactur$ home community4    
7,g7 ,a "r = a t5ant :o owns a          
manufactur$ home-- 7i7 to sublease or   
assign ! pad site lease = ! unexpir$ t]m
 to a new buy] ( ! manufactur$ home     
unless ! prospective t5ant fails to meet
 ! reasonable & uni=mly appli$          
application crit]ia ( ! manufactur$ home
 community2 &  7ii7 9 su* a case (      
d5ial1 a "r to writt5 notice provid$ by 
! own] ( ! manufactur$ home 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$  
home community1 :i* %all-- 7i7 include !

 price1 t]ms & conditions = ! sale ( !  
manufactur$ home community2 &  7ii7     
provide t-- 7,i7 no f9al acceptance ( an
 (f] to sell ! manufactur$ home         
community may be made = #fj days2 &     
7,,ii7 ! own] %all negotiate 9 good fai?
 ) ! t5ants if !y wi% to pur*ase !      
manufactur$ home community dur+ t       
#fj-;day p]iod2  7,j7 7i7 ,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
  7ii7 ,9 ! case ( a t]m9ation describ$ 
9 clause 7i71 a "r to writt5 notice     
provid$ by ! own] ( ! community in=m+ ! 
t5ant ( ! t]m9ation & ! specific reason 
or reasons = t]m9ation4  7#b7 ,rule (   
con/ruction ,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   
7#a7 ,9 g5]al ,any cov]$ pric+ inc5tive 
(f]$ = loans pur*as$ "u a cov]$ loan    
program on or aft] ! date t is #ahj days
 aft] ! date ( enactm5t ( ?is ,act %all 
rew>d implem5tation ( resid5t           
protections t are m protective ?an ^?   
specifi$ 9 subsection 7b74  7#b7        
,prohibition ,any cov]$ pric+ inc5tive  
describ$ 9 p>agraph 7#a7 t does n comply
 ) ! requirem5t describ$ 9 t p>agraph   
may n be (f]$ = any loan pur*as$ "u a   
cov]$ loan program on or aft] ! date t  
is #ahj days aft] ! date ( enactm5t (   
?is ,act4  7d7 ,publication  7#a7 ,9    
g5]al ,! ,secret>y & ! ,director %all   
make ! li/ ( prop]ties cov]$ by !       
protections describ$ 9 subsection 7b7   
publicly available on a s+le website4   
7#b7 ,o!r cov]$ prop]ties ,prop]ties t  
are cov]$ z ( ! date ( enactm5t ( ?is   
,act by ! ,f$]al ,national ,mortgage    

,association's ,t5ant ,site ,lease      
,protections or ! ,f$]al ,home ,loan    
,mortgage ,corporation's ,,mhc ,t5ant   
,protections %all-- 7,a7 be made        
publicly available2 &  7,b7 include an  
explanation ( ! diff]5ces betwe5 ^?     
protections & ! m9imum consum]          
protections describ$ 9 subsection 7b74  
7e7 ,p5alties  7#a7 ,9 g5]al ,!         
,secret>y & ! ,director %all-- 7,a7     
prohibit a borr[] or an affiliate ( !   
borr[] f secur+ future f$]ally back$    
f9anc+ or o!r h\s+-relat$ ,f$]al        
assi/ance = a p]iod ( n less ?an #b ye>s
 beg9n+ on ! date ( ! violation or      
failure if ! borr[] or affiliate1 z     
applicable1 willfully & mat]ially-- 7i7 
violates a consum] protection describ$ 9
 subsection 7b72 or  7ii7 fails to      
include ! consum] protections describ$ 9
 subsection 7b7 9 any lease agreem5t2 & 
7,b7 det]m9e appropriate p5alties = any 
borr[] :o fails to-- 7i7 include !      
consum] protections describ$ 9          
subsection 7b7 9 any lease agreem5t2 or 

7ii7 comply ) a lease agreem5t includ+ !
 protections describ$ 9 subsection 7b74 
7#b7 ,nature ( p5alties ,! p5alties     
det]m9$ "u p>agraph 7#a77;,b7 %all be 9 
addition to m9imum paym5ts to ! injur$  
t5ant z foll[s3 7,a7 ,= a mat]ial       
violation ( subp>agraph 7,a7 or 7,j7 (  
subsection 7b77#a71 #f mon?s ( ! curr5t 
mon?ly r5t4  7,b7 ,= a mat]ial violation
 ( subsection 7b77#a77;,b71 any increas$
 r5t mu/ be paid back to ! t5ant )      
int]e/1 plus #be p]c5t4  7,c7 ,= a      
mat]ial violation ( subsection          
7b77#a77;,c71 any p5alties or late fees 
mu/ be paid back to ! t5ant ) int]e/1   
plus #be p]c5t4  7,d7 ,= a mat]ial      
violation ( subp>agraph 7,d71 7,e71 or  
7,f7 ( subsection 7b77#a71 ! great] (-- 
7i7 ! sale price ( ! manufactur$ home1  
if ! borr[] or an affiliate sells x )9  
#ab mon?s ( ! violation2 or  7ii7 #ab   
mon?s ( ! prior mon?ly r5t4  7,e7 ,= a  
mat]ial violation ( subp>agraph 7,g7 or 
7,h7 ( subsection 7b77#a71 ! total      
rema9+ mon?ly r5t ow$ on ! t5ant's      

lease4  7,f7 ,= a mat]ial violation (   
subsection 7b77#a77;,i71 ! great] ( #b  
mon?s r5t or #aj p]c5t ( ! sale price ( 
! community divid$ by ! numb] ( t5ants 9
 ! manufactur$ home community4  #d4     
,manufactur$ ,home ,community ,l5d+     
,/&>ds ,commission  7a7 ,e/abli%m5t ,!re
 is e/abli%$ a commission to be kn[n z !
 ,manufactur$ ,home ,community ,l5d+    
,/&>ds ,commission4  7b7 ,duties  7#a7  
,propos$ /&>ds ,n lat] ?an #a ye> aft] !
 date ( enactm5t ( ?is ,act1 !          
,commission %all submit to ,congress1 ! 
,secret>y1 & ! ,director a report t sets
 =? propos$ consum] protection /&>ds =  
cov]$ loan programs t-- 7,a7 are 9      
addition to & provide great] protection 
?an ! requirem5ts describ$ 9 section    
#c7;b72 &  7,b7 c\ld be us$ z a basis = 
e/abli%+ cov]$ pric+ inc5tives "u !     
cov]$ loan programs t comply ) section  
#c7;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$ ( #af memb]s1 z foll[s3 7,a7 
,! ,secret>y 7or ! ,secret>y's          
designee74  7,b7 ,! ,director 7or !     
,director's designee74  7,c7 #a         
repres5tative f ea* ent]prise4  7,d7 #c 
ea* %all be appo9t$ by ! ,speak] ( !    
,h\se ( ,repres5tatives1 ! m9ority lead]
 ( ! ,h\se ( ,repres5tatives1 ! majority
 lead] ( ! ,s5ate1 & ! m9ority lead] ( !
 ,s5ate4 ,( ! #c memb]s appo9t$ by ea*  
su* (fic]-- 7i7 #a %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$ homes2  7ii7 #a
 %all be a curr5t or =m] memb] (        
,congress2 &  7iii7 #a %all be a curr5t 
resid5t & home[n] at a manufactur$ home 
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 ( !       
,commission %all be select$ z foll[s3   
7i7 ,designation by ,speak] ( ! ,h\se   
,if1 on ! date ( appo9tm5t1 ! ,speak] ( 
! ,h\se ( ,repres5tatives is ( a diff]5t
 political p>ty ?an ! ,presid5t1 !      
,speak] ( ! ,h\se ( ,repres5tatives %all
 designate ! co-*airp]son f among !     
memb]s ( ! ,commission4  7ii7           
,designation by m9ority lead] ( ! ,h\se 
,if1 on ! date ( appo9tm5t1 ! ,speak] ( 
! ,h\se ( ,repres5tatives is ( ! same   
political p>ty z ! ,presid5t1 ! m9ority 
lead] ( ! ,h\se ( ,repres5tatives %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  7,a7 ,t]ms ,ea* memb] %all  
be appo9t$ = ! life ( ! ,commission4    
7,b7 ,vacancies ,any vacancy 9 !        
,commission %all-- 7i7 n affect ! p[]s (
 ! ,commission2 &  7ii7 be fill$ )9 #de 

days ( ! vacancy 9 ! mann] 9 :i* !      
orig9al appo9tm5t 0 made4  7#e7 ,he>+s  
7,a7 ,9 g5]al ,9 c>ry+ out ! duties ( ! 
,commission "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  7,b7 ,oa?s ,! *airp]son ( 
! ,commission1 or any memb] ( !         
,commission 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 ( !  
memb]s ( ! ,commission 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$ure ,! *airp]son &        
co-*airp]son ( ! ,commission %all1 ) !  
approval ( a majority ( ! memb]s ( !    
,commission1 e/abli% writt5 rules (     
proc$ure = ! ,commission1 :i* %all      
include a quorum requirem5t to conduct !
 bus9ess ( ! ,commission4  7#c7 ,he>+s  
7,a7 ,frequ5cy ,! ,commission %all hold 
no few] ?an #b he>+s on matt]s to c>ry  
out ! duties ( ! ,commission "u         
subsection 7b74  7,b7 ,te/imony ,!      
,commission may take te/imony & receive 
evid5ce z ! ,commission consid]s        
appropriate4  7,c7 ,notice  7i7 ,he>+s  
,timely public notice ( ea* he>+ ( !    
,commission1 includ+ ! "t1 place1 &     
ag5da ( ! meet+1 %all be provid$ by any 
means det]m9$ by ! ,commission to       
provide = wide publicity4  7ii7 ,meet+s 
,timely notice ( ea* regul> meet+ ( !   
,commission %all be publi%$ 9 ! ,f$]al  
,regi/]4  7iii7 ,comm5ts ,int]e/$ p]sons
 %all be p]mitt$ to submit writt5       
/atem5ts reg>d+ ! matt]s on ! ag5da ( ! 
he>+s ( ! ,commission4  7e7 ,t]m9ation  

,! ,commission %all t]m9ate ^u !        
submission ( ! report requir$ "u        
subsection 7b77#a74  #e4 ,fund+  7a7    
,prohibition ,no additional funds are   
au?oriz$ to be appropriat$ to c>ry out  
?is ,act4  7b7 ,use ( exi/+ funds ,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$]al ,h\s+ 
,f9ance ,ag5cy4  #f4 ,/&>d lease  7a7 ,9
 g5]al ,! ,director %all1 9 consultation
 ) ! ent]prises1 develop a /&>d         
site-lease agreem5t t ! ent]prises w    
c]tify provides suffici5t c]ta9ty to    
ensure t ! mortgage loans secur$ by     
homes 9 manufactur$ home communities    
utiliz+ ! /&>d lease w be eligible =    
pur*ase "u ! s+le-family mortgage       
programs ( ! ent]prises4  7b7           
,submission to ,congress ,n lat] ?an #a 
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,director %all submit to ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs & ! 
,committee on ,f9ancial ,s]vices ( !    

,h\se ( ,repres5tatives a copy ( ! /&>d 
site-lease agreem5t develop$ "u         
subsection 7a74