Resources Archive

Comments to CFPB Regarding Proposed Reductions in Consumer Protections for Remittance Senders

June 3, 2013

The National Consumer Law Center submitted the following comments on behalf of its low-income clients, as well as the listed national and statewide organizations, all representatives of low and moderate income senders of remittances. In addition, the above-listed law professors teach and research extensively in the areas of consumer and/or payments law, have signed on…

Comments Regarding Government Sponsored Enterprises to Serve Underserved Markets

July 22, 2010

Comments of the National Consumer Law Center (on behalf of its low-income clients) and Manufactured Home Owners Association of America Regarding Notice of Proposed Rulemaking: Enterprise Duty to Serve Underserved Markets Federal Housing Finance Agency; 12 C.F.R. Part 1282 RIN 2590-AA27. July 22, 2010

Testimony Regarding MD H.B. 71, the Manufactured Housing Modernization Act

January 21, 2022

The Environmental & Transportation Committee of the MD General Assembly re: H.B. 71, the Manufactured Housing Modernization Act.

Comments to the CFPB Regarding Proposed Regulation Defining “Larger Participants” of the International Money Transfer Market

April 1, 2014

These comments are filed by the National Consumer Law Center, on behalf of its low-income clients, and by the National Association of Consumer Advocates. The proposed rule would identify a nonbank market for international money transfers and define “larger participants” of this market that would be subject to the Bureau’s supervisory authority. We support this…

Financing Homes in Communities

September 3, 2008

Assets are the foundation for promoting long-term economic opportunity for Americans. They provide security during unexpected financial troubles, such as medical expenses, car repairs, or job loss. Assets also foster and encourage long-term plans and dreams, such as going to college and starting a business. For the past few generations, homeownership has been the bedrock…

Policy Guide: First Steps Toward a Resident Purchase Opportunity

February 7, 2017

Resident ownership of manufactured home communities is a proven strategy with profound benefits.

Policy Analysis: Titling Homes as Real Property

October 1, 2014

For 17 million Americans, the pathway to the American Dream of homeownership is through manufactured housing. Today’s manufactured housing can equate to a high-quality and affordable home and an entry into asset and wealth building for many families. Assets are the foundation for promoting long-term economic opportunity for most Americans. They provide security during unexpected…

Advocating at the Local Level

September 28, 2022

State legislatures have the authority to adopt laws that will govern manufactured home issues throughout the state. However, the maxim that all politics is local applies with special force to manufactured housing issues. Some of the policies that affect manufactured housing and the opportunity to build wealth through homeownership are primarily—or exclusively— within the purview…

Accessing Public Resources for Homes & Communities

September 1, 2010

This purpose of this guide is to help you access public sources of financing for the purchase, rehabilitation or refinancing of manufactured homes. It is intended as a resource for consumers, nonprofit practitioners and advocates interested in leveraging public funding streams in support of affordable housing and asset building strategies using manufactured housing. In addition…

Titling Reform: How States Can Encourage GSE Investment in Manufactured Homes

February 1, 2016

A new rule proposed by the Federal Housing Finance Agency (FHFA) will give Fannie Mae and Freddie Mac the incentive to invest in manufactured home financing—but only if the homes are classified as real property. Most states have significant policy barriers to classifying manufactured homes as real property. Failure to reform the existing inadequate laws…

Policy Brief: Protecting Fundamental Freedoms in Communities

September 1, 2008

Manufactured homes represent a pathway to affordable homeownership for millions of Americans, but their ability to be an investment or wealth-building vehicle remains tenuous in many states. Whether a manufactured home is a real asset for a family depends in large part on land tenure security. In some states, if the home is located on…

Policy Guide: Promoting Resident Ownership of Communities

January 1, 2009

Overview Manufactured homes are a vital source of affordable housing for low- and moderate-income and elderly Americans. Manufactured homes, factory-built in accordance with federal standards, house 17 million Americans nationwide. Relative to other forms of housing, manufactured homes are more affordable due to a lower purchase price and monthly costs of homeownership. Manufactured homes are…

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