The Manufactured Housing Institute (MHI) issued the following message to their members on July 27, 2022. The contrast between what MHI provided to their own members vs. what the Manufactured Housing Association for Regulatory Reform provided to members as well as thousands of nonmembers, public officials, and others engaged on affordable manufactured housing could hardly be more stark. Per MHI’s 7.27.2022 email: “Second Comprehensive Update to the HUD Code in Under Three Years Released.” The entire contents of the MHI email said this: “HUD has published the fourth and fifth sets of proposed changes to the HUD Code. These proposed changes are the second comprehensive update to the HUD Code in under three years and reinforce the Administration’s ongoing commitment and support for manufactured housing. The HUD Code was most recently updated in 2020 – more than a decade after the last update.” Does that sound like something MHI is concerned about? Doesn’t it rather sound like MHI is embracing the HUD proposals, given that they said the new standards “reinforce for the [Biden] Administration’s ongoing commitment and support for manufactured housing.”

By contrast, here is what MHARR sent to their members and to all on their extensive e-mail list.

 

AUGUST 23, 2022

 

TO:                 HUD CODE MANUFACTURED HOUSING INDUSTRY MEMBERS

FROM:           MARK WEISS

RE:                 MHARR OPPOSES COSTLY HUD-PROPOSED STANDARDS

As promised by MHARR in its memorandum dated July 20, 2022, the Association has prepared and filed comments on the 4^th and 5^th sets of proposed standards revisions published by HUD in the Federal Register on July 19, 2022. These comments have been completed and published as early as possible for your information and review, and to allow you an ample opportunity to submit your own comments to HUD, particularly with respect to its proposed conditional fire sprinkler standard. As is explained in greater detail below and in MHARR’s attached comments, there is a high probability that this misleading conditional standard, with significant Subpart I implications, will ultimately become an unnecessary, high-cost mandatory standard.

The proposals set forth in HUD’s July 19, 2022 Notice of Proposed Rulemaking (NPR) address multiple reference standard updates, as well as certain additions and modifications to the Federal Manufactured Housing Construction and Safety Standards based on recommendations submitted to HUD by the statutory Manufactured Housing Consensus Committee (MHCC). While MHARR supports or has no objection to a number of these proposed standards, it does object to certain proposals (including, most particularly the proposed contingent fire sprinkler standard) that either have no basis in applicable law or would needlessly increase the cost of federally-regulated manufactured housing, or both.

Most importantly, MHARR – as it has consistently — strongly objects to the insertion of any fire sprinkler standard in the FMHCSS, regardless of whether it is mandatory or is allegedly (as supposedly is the case here) either “voluntary,” “conditional,” or “contingent.” Given the track record of the HUD program, it is highly likely (if not a foregone conclusion) that any such “voluntary” standard will ultimately become mandatory, with significant cost consequences for HUD Code homes, the HUD Code industry and HUD Code consumers.

Further, as MHARR’s comments explain, there is absolutely no basis in applicable law for any type of conditional or contingent FMHCSS standard. Moreover, even if there were such an express authorization for conditional or contingent FMHCSS standards – which there is not — there is no factual basis for such a standard, because all available evidence shows that manufactured homes constructed without sprinklers, in accordance with the current HUD Fire Safety standards, are already safer than, or as safe as, site-built homes with respect to fire injuries and deaths. A sprinkler standard, accordingly, whether contingent or otherwise, is not warranted by any established safety deficiency and would needlessly increase the cost of manufactured homes while inviting regulatory “mission creep” and the ultimate adoption of a mandatory standard.

Furthermore, as MHARR has long maintained and, in fact, as HUD once maintained itself, a new conditional or contingent sprinkler standard is not required to achieve federal preemption of any state or local sprinkler mandates, particularly under the enhanced preemption language of the Manufactured Housing Improvement Act of 2000. For all of these reasons, MHARR is seeking the withdrawal of the conditional sprinkler standard and urges industry members to do likewise.

Given all of the extremely negative consequences which could – and likely would – follow from the adoption of the proposed sprinkler standard, MHARR specifically encourages our state association executive colleagues to file comments opposing the proposed rule and to ensure that their respective members, including manufacturers, retailers and communities, have an opportunity to review MHARR’s comments and preferably take follow-up action.

In addition to the proposed sprinkler standard, MHARR objects to certain proposed changes to the HUD wind resistance criteria for Wind Zones II and III, based on updates to the underlying reference standard. Under the July 19, 2022 proposed rule, the wind speeds for those zones would go from 100 and 110 MPH respectively, based on a “fastest mile” parameter, to 140 and 150 MPH respectively, based on a “three-second gust” measurement, without any HUD assertion or analysis showing that the present standard is not effective, or that the updated standard would, in fact, be cost-effective as required by statute.

Similarly, MHARR objects to the stated three-unit limitation on multi-unit HUD Code homes as having no basis in applicable law. Such a limitation would needlessly blunt industry innovation and expansion, while undermining the legitimate goals and objectives of President Biden’s Housing Supply Action Plan, particularly in urban areas, where multi-unit manufactured housing would be particularly beneficial as a source of inherently affordable housing and home ownership. MHARR, therefore, seeks either the removal of any limit, or an increase to a four-unit limit in any final rule issued by HUD regarding this matter.

As always, MHARR’s attached comments are available for citation or reference by industry members. Again, MHARR urges others in the industry – particularly in the post-production sector, which could be significantly impacted by several of these new and/or modified rules — to submit their own comments for maximum effect within the rulemaking process. This is especially the case with comments opposing the supposedly voluntary or conditional fire sprinkler standard, which will inevitably be transitioned into a mandatory standard at some point in the future with extremely damaging cost, affordability and market impacts.

If you have any questions or need additional information regarding these public comments, please do not hesitate to contact us.

 

Manufactured Housing Association for Regulatory Reform (MHARR)
1331 Pennsylvania Ave N.W., Suite 512
Washington D.C. 20004
Phone: 202/783-4087
Fax: 202/783-4075
Email: MHARR@MHARRPUBLICATIONS.COM
Website: manufacturedhousingassociation.org

Attachment

MHARR’s attachment said the following.

August 22, 2022

 

VIA ELECTRONIC SUBMISSION

 

Office of General Counsel
Regulations Division
U.S. Department of Housing and Urban Development
Room 10276
451 7^th Street, S.W.
Washington, D.C. 20410-0500

Re:  Proposed Rule – Manufactured Housing Construction and

Safety Standards – Docket No. FR-6233-P-01; RIN 2502-AJ58

 

Dear Sir or Madam:

The following comments are submitted on behalf of the Manufactured Housing Association for Regulatory Reform (MHARR). MHARR is a Washington, D.C.-based national trade organization representing the views and interest of producers of manufactured housing regulated by the U.S. Department of Housing and Urban Development (HUD) pursuant to the National Manufactured Housing Construction and Safety Standards Act of 1974 (1974 Act), as amended by the Manufactured Housing Improvement Act of 2000 (42 U.S.C. 5401, et seq.) (2000 reform law). MHARR was founded in 1985. Its members include independent producers of manufactured housing from all regions of the United States.

 

1. INTRODUCTION

On July 19, 2022,[1] HUD published a proposed rule in the Federal Register to adopt certain modifications and additions to the Federal Manufactured Home Construction and Safety Standards (FMHCSS) (24 C.F.R. 3280, et seq.) as recommended by the statutory Manufactured Housing Consensus Committee (MHCC). For the most part, MHARR supports these proposed amendments. However, it opposes – as it has consistently – the proposed contingent standard for manufactured home fire sprinkler systems and urges certain modifications to the proposed multi-dwelling unit manufactured housing standard in order to expand the range of affordable housing choices that will ultimately be available to American consumers. Based on these comments, MHARR urges HUD to:

(1) withdraw its contingent/conditional fire sprinkler standard;

(2) adopt a modified multi-dwelling unit manufactured housing standard as set forth herein;

(3) adopt such other and further changes to its proposed rule as are detailed herein; and

(4) act expeditiously to adopt and implement a final rule consistent therewith.

The grounds and bases for the final rule modifications sought by MHARR and related relief are set forth in detail herein.

 

II. COMMENTS

A. THERE IS NO VALID BASIS, AUTHORITY OR NEED

FOR A CONDITIONAL FIRE SPRINKLER “STANDARD”

As described by HUD, the proposed rule, among other things, would “expand the fire safety subpart” of the FMHCSS “to include guidelines and requirements for the design and installation of fire sprinkler systems when a manufacturer chooses to install such a system….” The July 19, 2022 Notice of Proposed Rulemaking (NPR) clarifies this further, stating: “While the proposed rule is not adding a requirement that fire sprinkler systems be installed” in all manufactured homes, “when a manufacturer installs a fire sprinkler system,” the NPR criteria “would establish the requirements for the installation of the fire sprinkler system.”[2] The proposed fire sprinkler “standard,” accordingly, as described and propounded by HUD, is not “voluntary,” per se, as characterized by the MHCC and proponents before the MHCC, but rather, contingent or conditional on whether a manufacturer installs a fire sprinkler system in a HUD Code home, either as a matter of choice (by the manufacturer or homebuyer) or under compulsion of state or local law. If that contingency is met, however, the standard is clearly mandatory and could – at some point in the future – be extended to affirmatively require the installation of a sprinkler system in accordance with its installation directives.

Regardless of its characterization by HUD (or others), however, MHARR fundamentally rejects this formulation, as it has consistently for nearly five decades. While the bases for that rejection have previously been presented in detail by MHARR in multiple forums, those points are again summarized below.

 

1. There is No Statutory Basis for a Conditional Sprinkler Standard

After extended debate, the MHCC, on October 20, 2011, voted to accept a contingent or conditional fire sprinkler standard proposed by the Manufactured Housing Institute (MHI).[3] As set forth in the NPR, that standard would be incorporated in a new section 24 C.F.R. 3280.214 (and other new sections of the FMHCSS). In relevant part, section 3280.214 would state: “(a) General. (1) Fire sprinkler systems are not required by this subpart; however, when a manufacturer installs a fire sprinkler system, this section establishes the requirements for the installation of a fire sprinkler system in a manufactured home. *** (b) Design. The design of the fire sprinkler system itself shall be in accordance with [National Fire Protection Association standard] 13D.” The contingent proposed sprinkler standard as set forth in the NPR, is thus partly prescriptive and partly based on NFPA 13D as an incorporated reference standard. Ultimately, however, this formulation is contrary to law, insofar as the 1974 Act, as amended, provides no basis for the promulgation of conditional standards, as demonstrated below.

As MHARR has repeatedly emphasized, the fire safety of manufactured homes is manifestly a “safety” issue.  Thus, the existing HUD fire safety standards for manufactured homes are specifically entitled “Fire Safety.”[4] This is relevant because under the 1974 Act, as amended, “manufactured housing safety” is a defined term meaning “the performance of a manufactured home in such a manner that the public is protected against … any unreasonable risk of death or injury to the user” of the home.[5] Based on this definition, the essential prerequisite to the adoption of a federal manufactured home safety standard is the existence of an “unreasonable risk” of death or injury to the occupant(s) of a manufactured home. The existence of any such unreasonable risk, moreover, is a non-delegable function which must be determined by HUD, as the agency charged with developing, maintaining and enforcing the federal standards.

Under this statutory definition, there either is an “unreasonable risk” of death or injury attributable to a manufactured home safety issue as determined by HUD, or there is not. Put differently, this is a binary determination with no middle ground. If there is an “unreasonable risk,” HUD can adopt a federal safety standard to remedy, mitigate or otherwise address that risk. If there is not an “unreasonable risk,” HUD cannot, quite simply, adopt such a standard. Consequently, if the current federal fire safety standards ensure “reasonable” fire safety without sprinklers – and they do, as demonstrated below – then, per se, there is no “unreasonable risk of death or injury” to be remedied by sprinklers, sprinkler installation criteria, or any measure other than those currently required by Subpart C.

In this regard, HUD has never determined, claimed, or even implied that the absence of fire sprinklers from Subpart C (until now) creates an “unreasonable risk” of death or injury in manufactured homes that comply with the existing HUD fire safety standards. To the contrary, section 3280.201 of the FMHCSS fire safety standards states an affirmative HUD conclusion that the present standards – without fire sprinklers – already ensure “reasonable fire safety” for manufactured home occupants. And indeed, HUD, in its initial consideration of the federal preemption of state or local fire sprinkler standards, correctly ruled that such standards were, in fact, preempted under the less rigorous preemption language of the original 1974 Act.[6] The MHCC, moreover, made no finding or determination of “unreasonable risk” in conjunction with its acceptance of the MHI-proposed conditional standard. Nor has HUD, in its proposed rule based on the MHCC recommendation, made any such determination or finding To the contrary, all of the evidence presented to the MHCC incident to its consideration of the MHI-proposed fire sprinkler standard, established that the current HUD fire safety standards, without the use of high-cost fire sprinklers, do, in fact, eliminate any “unreasonable risk of death or injury” due to fire, and achieve their stated purpose to “ensure reasonable fire safety to the occupants” of manufactured homes “by reducing fire hazards and by providing measures for early detection.”[7]

Specifically, according to a July 2011 National Fire Protection Association (NFPA) report entitled “Manufactured Home Fires” and an October 14, 2011 update to that report, both of which were presented to the MHCC and summarized in verbal testimony, the fire safety of manufactured homes constructed in accordance with the existing HUD fire safety standards, is equal to or better than that of other type of one or two-family residential dwellings. The report and update thus show, among other things, that HUD Code manufactured homes have a lower incidence of fire per 1,000 homes than other occupied one or two-family dwellings.  Similarly, HUD Code manufactured homes have “a lower rate of civilian fire injuries per 100,000 occupied housing units than other one or two-family homes” and post-HUD standard manufactured homes are more likely than other homes to have fires confined to the room of origin.[8] Most significantly, though, according to the October 14, 2011 update to this report, the fire death rate per 100,000 occupied homes for post-HUD standard manufactured homes is “comparable” to the fire death rate for other one or two-family homes.

Given the fact that the current HUD fire safety standards provide protection to manufactured home occupants equal to or better than other types of one or two-family dwellings, those standards, per se, without the use of high-cost fire sprinklers, ensure that there is no “unreasonable risk of death or injury” from fire. And, since there is no unreasonable risk of death or injury to occupants now, under the current HUD fire safety standards, there is, per se, no “unreasonable risk” to be remedied by fire sprinklers or a fire sprinkler standard. Furthermore, since the current fire safety standards, without sprinklers, already satisfy the statutory standard of reasonable protection, a sprinkler standard, per se, would unnecessarily increase consumer costs, contrary to the fundamental purposes of the Act, by triggering all of the approval and inspection requirements of the Procedural and Enforcement Regulations as well as their Subpart I recall provisions, where applicable.

Accordingly, there is no valid statutory basis for the proposed contingent fire sprinkler standard and HUD must delete that proposed standard from any final rule adopted in this docket.

2. The Proposed Conditional Sprinkler Standard is not
   Needed to Preempt State and Local Sprinkler Mandates

In substantial part, the MHCC’s rationale for recommending the adoption of a contingent federal fire sprinkler standard was that such a standard would ensure the federal preemption of state and/or local fire sprinkler standards under 42 U.S.C. 5403(d). As MHARR has repeatedly demonstrated, however, this claim is spurious, as both the plain language and structure of the 1974 Act, as amended, make it clear that properly construed, such mandates are preempted now, without an ostensibly “conditional” federal sprinkler standard.

Beyond demonstrating that there is no statutory authority for the adoption of the proposed conditional federal fire sprinkler standard, the NFPA fire safety data presented to the MHCC, shows that an explicit HUD fire sprinkler standard – either contingent as proposed in the July 19, 2022 NPR or otherwise – is not (and should not be) needed to trigger the federal preemption of any state or local fire sprinkler standard applicable to HUD Code manufactured homes. Rather, under the enhanced federal preemption of the 2000 reform law, the current HUD fire safety standards federally preempt any state or local sprinkler mandates in accordance with the purposes of the Act as established by Congress. Those standards, accordingly, should – and must — be deemed and declared fully preemptive by HUD.

The 2000 reform law substantially enhanced the scope of federal preemption under the Act.  Pursuant to section 604(d) of the Act (42 U.S.C. 5403(d)), as amended:

“Whenever a federal manufactured home construction and safety standard established under this title is in effect, no state or political subdivision … shall have any authority to establish or to continue in effect … any standard regarding construction or safety applicable to the same aspect of performance of such manufactured home which is not identical to the federal … standard.  Federal preemption under this subsection shall be broadly and liberally construed to ensure that disparate state or local requirements or standards do not affect the uniformity and comprehensiveness of the standards promulgated under this section nor the federal superintendence of the manufactured housing industry….”

(Emphasis added).

Under the amended language, there is no longer any debate as to whether the pivotal “same aspect of performance” language is to be construed broadly, as maintained by MHARR since its inception, or narrowly, as maintained by HUD in a series of preemption opinions dating to the mid-1990s. Instead, that issue has been definitively resolved by Congress with its directive that preemption under the Act is to be “broadly and liberally construed” in order to achieve the federal purposes of the Act. Thus, HUD’s prior legal analysis of the preemption of state and local sprinkler standards, which was specifically premised on a narrow construction of the “same aspect of performance” test, is no longer valid.

Construing the dispositive “same aspect of performance” language “broadly and liberally” in favor of preemption, as mandated by Congress, and given the information presented to the MHCC by NFPA, showing that the existing HUD fire safety standards protect occupants from an “unreasonable risk of death or injury” from fire, it is evident that state and local sprinkler laws are – and should be – preempted by the existing HUD standards.

Previous HUD opinions, based upon its statutorily-invalidated narrow construction of the “same aspect of performance” test, concluded that state and local sprinkler mandates were not preempted because even though the federal standards specifically address “fire safety,” the federal standards contain no provisions “directly addressing” sprinkler systems. Thus, in a February 9, 1995 legal opinion obtained by MHARR through the Freedom of Information Act (FOIA), HUD’s General Counsel stated, in relevant part:

“Even though the stated purpose of the Subpart is to set forth requirements to “assure reasonable fire safety,” the rest of Subpart C, which contains the fire safety standards, has no provisions directly addressing sprinkler systems.  Moreover, the fire safety standards fail to contain even a category that could be interpreted to include sprinkler systems such as “fire extinguishing equipment.”  Instead of extinguishing or subduing fires, the federal standards, as noted above, are concerned with “reducing fire hazards” and “providing measures for early detection.”  Because the federal standards fail to contain specific requirements or categories relating to sprinklers and because the federal standards’ basic concerns are with reducing fire hazards and providing measures for early detection instead of fire extinguishment, the federal standards would not preempt a state requirement for sprinklers….”

(Emphasis added). (Footnotes omitted).  Such opinions, however, were expressly based on a narrow construction of the “same aspect of performance” language extrapolated from two 1960s-era court decisions construing the National Traffic and Motor Vehicle Safety Act of 1966. That analysis, however, has now been overruled by Congress’ unequivocal directive to “broadly and liberally” construe the scope of federal preemption under the Act.

Under a “broad and liberal” construction of federal preemption and the “same aspect of performance” test, preemption analysis should focus on the federal objective to be achieved and the federal purposes of the Act. In this case, the federal objective, under the express terms of the Act, is to prevent an “unreasonable risk of death or injury” due to fire and, conversely, ensure “reasonable fire safety” for manufactured home “occupants,” as declared by HUD. And since that objective, according to the NFPA data, is already met by the current federal standards, which provide protection comparable to or greater than all other types of one or two-family dwellings without the use of high-cost sprinklers, it is – and should be – irrelevant to preemption analysis what specific type of equipment or measures are mandated by the FMHCSS to achieve that result.  As long as the federal objective is met under the existing federal standards promulgated by HUD, there is – and should be – no room for states and localities to require any other or additional equipment or measures different from those specified in the HUD standards. Per se, then, any additional or different equipment or measures required by a state or locality – such as fire sprinklers — would impair the uniformity of federal regulation, and, therefore, should be preempted.

Furthermore, because the current existing HUD fire safety standards already fulfill the federal objective of the Act — to ensure reasonable fire protection for occupants — state or local sprinkler mandates would have the effect of unnecessarily increasing the cost of manufactured homes to the public, contrary to a key purpose of the Act, to “protect the … affordability of manufactured homes” and “facilitate the availability of affordable manufactured homes.”  (See, 42 U.S.C. 5401(b)(1-2). Stated differently, since the existing federal standards already ensure reasonable fire protection for manufactured home occupants, state or local sprinkler mandates would add nothing to the fulfillment of the federal mandate, while substantially increasing the cost of a manufactured home.

Consequently, a contingent federal sprinkler standard, as proposed by HUD, is not required to support the federal preemption of state and/or local sprinkler mandates pursuant to 42 U.S.C. 5403(d).

 

3. A Conditional Fire Sprinkler Standard would Increase the Likelihood

Of the Imposition of a High-Cost Mandatory HUD Sprinkler Standard

Beyond the fact that a sprinkler standard is unnecessary, unauthorized by applicable law and would have no impact on the federal preemption of state and local sprinkler mandates affecting manufactured homes, the conditional sprinkler standard being proposed by HUD would have other significantly negative effects on manufactured homes and the manufactured housing industry.

First, the inclusion of any type of sprinkler standard in the FMHCSS standards, whether denominated conditional, contingent, “not required,” or otherwise, substantially increases the likelihood that a mandatory sprinkler standard will ultimately be included in the HUD standards and enforced against all manufactured homes. While couched as being triggered only by a manufacturer’s election to install a sprinkler system, there would be no bar to mandatory enforcement of this standard by HUD against all manufactured homes in the future — either as a policy decision by a future HUD administration, or by court order as a result of litigation by any party with an appropriate interest. Put differently, there is no guarantee that such a standard, once adopted, will not be extended to all manufactured homes, based on a mere request by an interested party, subsequent HUD “interpretation,” or by court ruling.  In fact, the history of ever-expanding regulation under the program shows that such an expansion is likely — all at the same time that other segments of the housing industry are successfully resisting the imposition of such state and local mandates. For this reason alone, the supposedly conditional sprinkler standard is a regulatory “Trojan Horse” that should be rejected. NFPA 13D already exists as a private-sector “voluntary” sprinkler standard for manufactured homes. There is no need, basis, or justification for a dangerous, parallel government-based “voluntary” standard.

Second, and closely related to the above issue, even a “voluntary” federal standard would be misused by sprinkler proponents as a rationale and justification for the adoption of state and local sprinkler standards, either for all homes, or specifically for manufactured homes. A federal standard could thus have the unintended negative effect of promoting and advancing the adoption of state and local sprinkler standards, thus reversing the current trend that has seen the model International Residential Code (IRC) sprinkler mandate either rejected or modified by most jurisdictions.

Third, once “triggered” by the installation of a sprinkler system, the proposed HUD sprinkler standards are characterized by the NPR as regulatory “requirements.” As a result, the sprinkler standards, once triggered and, therefore, mandatory, would be subject to Subpart I procedures and enforcement, just like any other FMHCSS standard. Thus, a HUD sprinkler standard, even if conditional, would result in the full applicability of Subpart I to the performance of any sprinkler system so installed for the life of the home, with its all of its investigation, documentation, notice and recall requirements.

For all of the reasons set forth above, therefore, the conditional fire sprinkler standard included in the proposed rule must be eliminated from any final rule in this docket.

 

B. THERE IS NO LEGITIMATE BASIS FOR LIMITING MULTI-UNIT

MANUFACTURED HOMES TO A MAXIMUM OF THREE-UNITS

While MHARR supports the express authorization of multi-unit HUD Code homes as set forth in the NPR,[9] it continues to object to the three-unit limitation as proposed. That limitation, for the reasons addressed below, has no more federal statutory basis than the previous “one family” limitation[10] that would be retracted by the proposed rule. Accordingly, HUD should adopt a final rule which authorizes multi-unit manufactured homes, but contains no artificial limit on the number of units. Alternatively, HUD should adopt a final rule with a four-unit provision.

 

1. Regulatory and Statutory Background

On October 3, 2014,[11] the former administrator of the HUD Office of Manufactured Housing Programs (OMHP) issued a memorandum stating that manufacturers “may not design or build manufactured homes labeled pursuant to the National Manufactured Home Construction and Safety Standards for multifamily or other non-single family residential use.”  (Emphasis added). The same memorandum stated that manufactured homes “bearing a HUD certification label may not be sold for purposes other than single family use” (emphasis added) and threatens possible civil or criminal penalties for violations.  In support of this ruling, the memorandum cited 24 C.F.R. 3280.2, which defines a manufactured home as a “dwelling” and further defines a “dwelling unit” as “one or more habitable rooms which are designed to be occupied by one family with facilities for living, sleeping, cooking and eating.” (Emphasis added).

MHARR immediately and vigorously objected to the administrator’s construction of the relevant regulatory provision – and related threats against manufacturers. These objections were enumerated in a November 12, 2014 communication to the administrator stating, in part:

“First, the restriction exceeds relevant statutory authority. The statutory definition of “manufactured home” contained in 42 U.S.C. 5402(6) states that a manufactured home is a “dwelling,” but does not otherwise define a “dwelling,” or limit a “dwelling” – either expressly or implicitly — to a “single-family” home. Thus, there is no statutory support for the 3280.2 restriction of a “dwelling unit” to occupancy “by one family.” As the recent decision of the United States District Court for the District of Columbia, in American Insurance Association v. Department of Housing and Urban Development (No. 1:13-cv-00966) makes abundantly clear, federal regulations may not exceed the scope of the underlying grant of authority from Congress.

“Second, there is no basis in the authorizing law … for HUD to define what does or does not constitute a “family” or a “single family” for purposes of habitation in a manufactured home. With an increasing number of habitation and living arrangements being sanctioned under the equal protection mandates of both federal and state law(s), there is no applicable HUD definition of a “family,” and both manufacturers and retailers could be subject to discrimination claims and potential liability for refusing a sale or lease based on the status of the purchaser or the expected use of the home.

“Third … when Congress established federal authority over the safety and construction of manufactured homes … its intent was to create a federal-state partnership with respect to enforcement and other issues. A de facto federal use restriction not only exceeds federal authority, as noted above, but also improperly usurps remaining state and local authority over the use of residential structures placed within their jurisdictions. Put differently, once a manufactured home constructed in accordance with the federal standards is sold (and properly installed), its use becomes a matter for state and/or local authority (e.g., zoning and use permits) and is not a federal matter or a matter for federal impositions upon such state and/or local authority. Quite simply, beyond the point of sale, the use and suitability of the structure becomes a matter for state and/or local regulation – like any other permanent dwelling designed and built to any other code.

“Fourth, and related to the last point above, such a restriction on the sale of manufactured homes based on intended or actual use, effectively discriminates against the HUD Code industry, in that other types of residentially-designed and built structures are freely used for other purposes in compliance with state and/or local codes (e.g., site-built homes in residential communities that local authorities allow to be converted for use as a doctor’s office).

“Consequently, HUD should rescind its October 3, 2014 memorandum and address the proper definition of a “dwelling” through the Manufactured Housing Consensus Committee (MHCC) process….”

(Emphasis added).

Subsequently (through an MHARR-developed regulatory proposal), this matter came before the MHCC which subsequently recommended the proposed rule now set forth in the NPR. While MHARR generally supports the proposed rule and its express authorization of multi-unit manufactured homes consistent with applicable federal law, it continues to object to the proposed rule’s three-unit limitation as not having any valid, legitimate, or specific basis in the 1974 Act, as amended.

Accordingly, MHARR asks that HUD eliminate the three-unit restriction from any final rule, or alternatively, that HUD increase the limit to four units and specifically state, in the final rule, the precise legal basis for any such restriction whatsoever.

2. The Proposed Three-Unit Maximum has no

Basis in Law or any Applicable Regulation 

HUD appears to recognize that the three-unit maximum for multi-unit manufactured homes, as proposed in the July 19, 2022 NPR, has no basis in federal manufactured housing law, insofar as it states:

“Consistent with a 2015 determination made by the MHCC, HUD is proposing a maximum of three dwelling units for a multi-dwelling unit manufactured home. The MHCC based its determination on ensuring consistency with a similar state code. HUD is interested in public comment specific to this maximum provision for three dwelling units, including benefits and challenges if a four unit maximum were considered….”

(Emphasis added).[12] Contemporaneous MHCC Subcommittee documents indicate that the three-unit limitation was based on the belief of certain subcommittee members that a three-unit limitation would keep the HUD standards consistent with the International Code Council’s (ICC) International Residential Code (IRC), while a higher limit, or no limit would require compliance with the ICC’s International Building Code (IBC).[13]

Such reliance on – or reference to – state building codes or non-manufactured housing model codes as the basis for a unit limitation, however, has no legitimate basis.

First, manufactured housing is not subject to and is not regulated as to construction pursuant to any state code or model code other than those incorporated within the HUD Code by reference, and neither the IRC or IBC are subject to any such wholesale incorporation, or incorporation specifically with respect to multi-unit dwellings.

Second, neither the IBC or the IRC is developed for – or applicable to – the unique construction of manufactured housing, or the statutory purposes of federal manufactured housing law, including the need to maintain the fundamental affordability of HUD Code housing.

Consequently, insofar as neither the IBC nor the IRC is applicable to or binding upon HUD-regulated manufactured housing, they provide no legitimate or valid basis for any such regulatory limitation. To the contrary, manufactured housing construction is expressly and comprehensively regulated under federal law. And, insofar as applicable federal law does not bar multi-unit manufactured homes (as previously demonstrated by MHARR), and does not place a limit (either expressly or by implication) on the number of units that may be included within a multi-unit manufactured home, there is no more basis in existing federal law for such a limit than there was for the previous 24 C.F.R. 3280.2 language limiting the definition of “dwelling unit” to “one family” – and HUD’s proposed rule cites no such basis.

For this reason, the three-unit limitation (or any other unit limitation) on multi-unit manufactured homes should be eliminated in any final rule adopted by HUD. Alternatively, if HUD maintains that a unit limitation is warranted and authorized under applicable law, it should increase the number of units permitted to four and, more importantly, specifically cite and explain that federal legal authority for any such limitation.

 

C. THERE IS NO VALID BASIS FOR INCREASING

THE CURRENT WIND RESISTANCE STANDARDS

HUD, in the July 19, 2022 NPR, proposes to amend section 3280.305 of the FMHCSS to “update the reference for design wind pressures for Exposure C” from the American Society of Civil Engineers’ (ASCE) 7-88 reference standard to the subsequent ASCE 7-05 standard.[14]As part of that proposed change, “HUD staff” recalculated the wind speed references “used to design manufactured homes in Wind Zones II and III” of the FMHCSS.[15]This included converting the current maximum speeds in Wind Zones II and III (i.e., 100 MPH and 110 MPH, respectively), based on the “fastest mile” parameter of the ASCE 7-88 standard, to the “three-second gust” parameter of ASCE 7-05. Using this calculation, HUD determined that “overall wind design pressure” for manufactured homes, “would be decreased 47 percent if the wind speeds currently published in the [FMHCSS] were left unrevised yet the design option was updated to ASCE 7-05.” [16](Emphasis added). In light of this “apples to apples” comparison, which would have resulted in a downward revision of the current HUD wind standards, HUD conducted a further “iterative analysis,” pursuant to which it “determined that wind speeds of 140 MPH and 150 MPH for Zones II and III,” based on the three-second gust parameter, would keep manufactured housing on par with design of other single-family structures.”[17](Emphasis added).

It appears, then, that under HUD’s calculations, a change from the current FMHCSS standards, based on a “fastest mile” parameter, to the ASCE 7-05 values, based on a three-second gust parameter, would have resulted in a reduction of the current manufactured housing wind design values. Rather than accept such a decrease, however, consistent with the MHCC’s express recommendation to update the FMHCSS wind design pressures to correspond to the ASCE 7-05 values HUD, instead has apparently chosen to arbitrarily increase those design speeds “to keep manufactured housing on par” with the design of “other single-family structures.” Consequently, from the explanation offered in the NPR, it appears that HUD has far exceeded the recommendation of the MHCC on this matter, and instead has arbitrarily increased the wind design criteria for Wind Zones II and III, based on a parameter – i.e., consistency with the design of other single-family structures – that is not mandated or appropriate under applicable federal law.

Specifically, neither applicable statutory law (i.e., the National Manufactured Housing Construction and Safety Standards Act of 1974 as amended by the Manufactured Housing Improvement Act of 2000) nor HUD regulations promulgated thereunder require or even permit HUD to base new or amended FMHCSS standards on identity with or similarity to standards for other types of single-family housing. Instead, the statutory considerations that both HUD and the MHCC must follow in “establishing and interpreting standards and regulations,” are set forth in section 604(e) of the 2000 reform law (42 U.S.C. 5403(e)). And that provision, does not include any language requiring or even suggesting that manufactured housing construction and safety standards should be consistent with or similar to site-built housing standards. By contrast, that section does affirmatively require the MHCC and HUD, in recommending and proposing FMHCSS standards, respectively, to “consider the probable effect of such standard on the cost of the manufactured home to the public” – something that neither the MHCC or HUD has ever done.[18]  Consequently, HUD’s determinative parameter for the proposed wind design standard revision, as stated in the NPR, is inconsistent with – and inapposite to — governing law, while the crucial cost-benefit parameter affirmatively actually set out in the governing statute, has never been met and has, in fact, been studiously ignored.

If, then, an increase in the design wind speed for Wind Zones II and III would result from updating from the ASCE 7-88 standard to the ASCE 7-05 standard, then HUD should specify what particular aspect of manufactured housing safety is allegedly deficient or insufficient under the current standards, produce evidence supporting that determination, and also provide evidence showing the cost impact of any such change on the purchase price of the homes affected by any such change – all as is affirmatively required by applicable law.

Conversely, absent specific safety and performance justification for the wind design changes being proposed by HUD and absent a cost-benefit analysis of any such changes, as expressly required by statute, MHARR objects to the changes as proposed in the NPR.

 

D. OTHER UNSUBSTANTIATED PROPOSALS THAT WOULD

INCREASE CONSUMER COSTS SHOULD ALSO BE REJECTED

In addition to the proposed standards addressed above, there are other mandates set forth in the July 19, 2022 NPR that would increase the acquisition cost of manufactured homes without remedying any identified safety or construction deficiency in HUD Code manufactured homes and must, therefore, be eliminated from the final rule in this docket, regardless of whether or not such mandates were recommended by the MHCC. Those mandates include:

• HUD Reference No. 8, Water Resistive Barrier;[19]
• HUD reference No. 25, National Design Specification for Wood Construction;[20]and

(3) any reference standard modification that would increase the initial acquisition cost of a manufactured home without addressing a specifically-identified safety or construction deficiency.

First, with regard to the proposed standard set forth as HUD Reference Number 8, for example, HUD, while acknowledging the increased cost of a “water resistive barrier,” maintains that such a mandate would “increase home resiliency for consumers.” (Emphasis added). The 1974 Act (as amended), however, does not give HUD an open, endless warrant to mandate changes to the design and construction of manufactured homes simply because it (or some other purported “authority,” or proprietary code developer) would like to have that change implemented in an ideal world. Instead, as MHARR has repeatedly noted in connection with HUD’s proposed conditional sprinkler “standard,” the 1974 Act (as amended) provides HUD with authority to propose and adopt standards to address specific, identified life, health, safety and construction issues to ensure “the performance of a manufactured home in such a manner that the public is protected against any unreasonable risk of … accidents due to the design or construction of such manufactured home, or any unreasonable risk of death or injury to the user or to the public if such accidents do occur.” (42 U.S.C. 5402(8)). “Increased home resiliency,” by contrast, is not identified by HUD’s governing statute as a valid or sufficient basis for the imposition of a mandatory standard, particularly when that standard, as acknowledged by HUD, would increase the cost of the home to the purchaser and thereby exclude certain purchasers in numbers that have not been published or apparently calculated or considered by HUD. Instead, this matter should be left up to consumers and the free market to resolve based on the needs and wants of individual consumers.  As a result, this proposed standard should be eliminated from any final rule adopted in this docket.

Second, HUD Reference Number 25, the National Design Specification for Wood Construction, should be eliminated from any final rule. While HUD again acknowledges that the adoption of this standard would “increase construction costs” for HUD Code builders and the cost of manufactured homes to consumers, HUD nevertheless maintains that adoption of this reference standard from the American Wood Council, would “align [the] manufactured housing code with site-built construction standards.” Again, though, the “alignment” of FMHCSS standards with “site-built construction standards” is not a purpose or objective of the 1974 Act (as amended), nor does the Act require or even permit HUD to adopt FMHCSS standards based on their alleged “alignment” with standards for non-HUD Code homes. This is particularly the case, moreover, when the proposed standard – as is the case here – would increase the purchase cost of the home and exclude potential purchasers without delivering specific identified and quantified benefits for homebuyers. And the same reasoning applies to any other reference standard change, addition, or modification proposed by HUD in the July 19, 2022 NPR. For each such change, pursuant to section 604(e) of the 1974 Act (as amended), the purchase price impact must be calculated and weighed against the alleged benefit(s) of that proposed change. Yet, no such analysis appears in Table 2 or the preamble of the NPR.

Third, the cost impact of these and any other proposed changes cannot be considered in isolation. Rather, HUD must consider the cost impact of any such proposed changes or additions to the FMHCSS standards in the context of the extraordinarily high-cost “energy conservation” standards that (absent industry action seeking judicial intervention) will be imposed on manufactured homes by the U.S. Department of Energy (DOE) as of May 31, 2023. As MHARR has demonstrated, those standards will likely exclude millions of lower and moderate-income Americans from the manufactured housing market in and of themselves. Compounding the extreme cost and exclusionary impact of those standards (which has not even been fully calculated due to DOE’s failure to propose or estimate the costs of regulatory compliance, testing and enforcement) with additional needless or baseless HUD standards will only serve to further increase the cost of manufactured housing and the exclusion of significant numbers of lower and moderate-income purchasers, contrary to the specific mandate of the 1974 Act (as amended) as well as the housing affordability policies of the Biden Administration.

Accordingly, absent full and legitimate justification of the need for such new and/or additional standards, as well as specific cost-benefit justification for those standards, each such mandate must be eliminated from any final rule in this docket.

• CONCLUSION

 For all of the foregoing reasons, MHARR asks that HUD modify the proposed rule set forth in the July 19, 2022 NPR consistent with the comments contained herein and that HUD issue a final rule reflecting those modifications, which are necessary to ensure that the final rule herein provides the maximum degree of benefit (and smallest corresponding cost) for the millions of lower and moderate-income Americans who rely on the inherent affordability of HUD Code manufactured housing. Further, MHARR hereby reserves its right to supplement these comments to address other aspects of the NPR based on new or additional information.

                   

Sincerely,

Mark Weiss
President and CEO

 

cc: Hon. Marcia Fudge

Hon. Julia Gordon

MHCC Members

HUD Code Manufactured Housing Industry Members

Attachments ##

MHI. ##

[1] See, 87 Federal Register, No. 137 (July 19, 2022) “Manufactured Home Construction and Safety Standards,” p. 43114, et seq.

[2] See, 87 Federal Register No. 137, supra at p. 43120, col.1-2.

[3] The HUD-published proposed standard tracks almost verbatim with MHI’s January 2011 regulatory proposal as submitted to the MHCC.

[4] See, 24 C.F.R. 3280.201-213.

[5] See, 42 U.S.C. 5402(8) (emphasis added).

[6] See, Attachment 1 hereto, July 27, 1989 communication from Mark Holman, Director, HUD Manufactured Housing and Construction Standards Division to Tom Smith, Fire Chief, City of Oklahoma City, Oklahoma.

[7] See, 24 C.F.R. 3280.201

[8] See, NFPA, “Manufactured Home Fires,” July 2011 at pp. 5, 10.

[9] See, 87 Federal Register, No. 137 at pp. 43119, 43152-43153.

[10] See, 24 C.F.R. 3280.2: “Dwelling unit means one or more habitable rooms which are designed to be occupied by one family with facilities for living, sleeping, cooking and eating.”

[11] See, Attachment 2, hereto, October 3, 2014 Memorandum from Pamela Beck Danner, OMHP Administrator.

[12] See, 87 Federal Register, No. 137, supra at p. 43119, col. 3.

[13] The Subcommittee Chairman, in a March 26, 2016 discussion document, thus stated: “I don’t think we should do more than 3 units. After 3 units, in my opinion, we need to follow the IBC and not the IRC…. I think 3 is pushing it, but the Ohio Building Code allows it.” See, Attachment [insert], hereto at p. 5-6. The Chairman, it should be noted was – and is – the President and Chief Executive Officer of NTA, an engineering firm and HUD-approved manufactured housing Primary Inspection Agency, that was purchased in whole by ICC in 2019.

[14] See, 87 Federal Register, No. 137 at p. 43121, col. 3.

[15] Id. at p.43121, col. 1.

[16] Id. at col. 2-3.

[17] Id. at col. 3.

[18] Nothing in the governing statutes generally, or section 604(e) specifically, exempts updates to reference standards from the cost-benefit analysis required for new or amended FMHCSS standards. Accordingly, the failure to conduct such an analysis would render any such rule “arbitrary, capricious or an abuse of discretion” and subject to invalidation pursuant to the federal Administrative Procedure Act (APA).

[19] See, 87 Federal Register, No. 137 at p. 43116.

[20] Id. at p. 43118.  ###

 

Additional Information with More MHProNews Analysis and Commentary in Brief

“Facts are stubborn things,” MHARR’s Mark Weiss, J.D., has said. Facts and evidence may bother some MHI devotees, but facts remain whatever they are.

As the above demonstrated, MHI gave less than 80 words to their members. MHARR provided over 7500 words packed with details that explain in a systematic way why the manufactured industry’s members should not consider these proposed HUD standards for manufactured housing as MHI framed it: “reinforce for the [Biden] Administration’s ongoing commitment and support for manufactured housing.”

For someone who desires to “protect, educate, and promote” this industry to see it grow, the evidence-based and logical takeaway from MHARR’s deep dive is this. The standards proposed ‘Biden Administration’ proposal could undermine the affordability of HUD Code manufactured home with little to no consumer or industry benefits to show for it. As but one of multiple examples, MHARR in the above said: “While MHARR generally supports the proposed rule and its express authorization of multi-unit manufactured homes consistent with applicable federal law, it continues to object to the proposed rule’s three-unit limitation as not having any valid, legitimate, or specific basis in the 1974 Act, as amended.”

On that, the ‘voluntary’ sprinkler proposal standards, and more MHARR works with regulators where they can, but draws the line with regulators where they must in order to safeguard their member’s interests as producers of HUD Code manufactured homes. The illustration below is from the factory-built home industry’s ‘glory days’ phase, when the pre-HUD Code mobile home industry was literally reaching to the sky. The evidence- and reason-based conclusion?

• The fact that MHI sided with the Biden Administration against the interests of potentially millions of consumers plus manufactured home independents is inexcusable.

 

But this vexing miss and/or intentional oversight by MHI is hardly new.

Well over a decade ago, this writer sat in an MHI meeting room where the ‘voluntary’ fire sprinkler standards were being discussed then. One of the leaders of industry’s largest MHI member brands was arguing for it, this writer spoke out against it, citing MHARR’s rationale at the time as evidence. Put differently, MHI ‘leadership’ then and now apparently is slyly-to-boldly at work against the interests of their own industry-member independents. For more evidence of that assertion, see these two recent reports.

Furthermore, MHI quite openly has not only sided with, but bragged about to their members their siding with conventional housing supporting nonprofits. It may seem impressive at first blush, which is likely part of the stratagem. But where was the benefit for manufactured housing in that ploy by MHI? Where is that same ‘housing coalition’ MHI speaks so glowingly about when it comes to issues such as enforcing existing laws that would lead to consumers and the industry obtaining more cost-effective financing? Or where is that ‘housing coalition’ of MHI’s when it comes to getting HUD to enforce the Manufactured Housing Improvement Act of 2000 (MHIA) ‘enhanced preemption’ for manufactured homes? Why are ‘MHI’s coalition partners’ missing in action when it might benefit manufactured housing?

If MHI were on record opposing DTS, Ginnie Mae reform of the so-called 10/10 rule, or “enhanced preemption,’ it would be one thing. But MHI claims to be in favor of those positions.

MHI’s own members have asserted the harm that comes from NOT having those laws enforced. For instance.

 

What has become apparent after years of monitoring the evidence is that MHI is duplicitous. In doing so, they merely follow the historic pattern of MHI in what could be dubbed the “Berkshire Hathaway era” of modern manufactured housing. It seems apparent that Berkshire, which has extensive interests in mainstream housing through Berkshire Hathaway Real Estate Services, Clayton Homes own conventional housing division, and more, that manufactured homes and the broader interests of manufactured housing do not rank at the top of the list. MHProNews has unpacked that several times and no one at Warren Buffett led Berkshire Hathaway, or Berkshire owned Clayton, 21^st Mortgage Corp, or Vanderbilt Mortgage and Finance (VMF).

One of Berkshire’s largest stockholders are entities tied to William “Bill” Gates III. Gates and Buffett personally journeyed to Knoxville to visit Clayton. Gates, who like Buffett has a keen mind for nuance and details, learned from Buffett how to undermine a market from within in order to expand their respective “moat.”

 

While the industry’s MHI leaders talked for years about an image campaign, there is evidence that MHI members themselves have been the ones routinely undermining it.

For instance. Instead of deploying the media resources that Berkshire owned for years to support manufactured housing, there is no discernible distinction between how Berkshire owned media often diminished manufactured housing in their report through terminology and/or other means.

 

Yet, Kevin Clayton spoke over a decade ago on a video recorded conversation about how the claim that he wanted to see an image campaign take off. Did Buffett run out of money? Obviously, no. “Warren,” said Clayton, told him there was ‘plenty of money’ for him to do what he needed or wanted to do. But the Moat, said Kevin, was routinely preached.

 

That moat is a method of undermining an industry from within, as the evidence shows, others have observed, and in keeping what Gates told CNBC.

When someone follows the money trail, that two-faced behavior at MHI and by some of their ‘leading’ brands at MHI apparently benefits the consolidators of manufactured housing. Meanwhile, those same brands are routinely harming the interests of consumers and independent industry businesses that want to remain independent. Who says? Pro-MHI member-supporter Darren Kowalski.

 

 

Given that MHI issues written statements via email, the U.S. Mail, have by fax, etc. the case can be made that MHI is violating RICO laws as well as antitrust laws. Which third-party has made such an argument? The legal case was forged by Samuel “Sam” Strommen with Knudson Law, with that argument reviewed by a law professor not directly involved in Strommen’s research and brief.

Will Biden regime appointee Lena Kahn act? Will the antitrust division and/or other units at DOJ act to enforce RICO, Hobbs Act or other federal laws against MHI and/or their leading brands? So far, despite the Biden White House touting evidence-based claims a year ago that they would be leading the charge on behalf of consumers against the growing pattern of market consolidation across a swath of industries, that is not generally what is occurring. There is no known evidence of the Biden regime doing anything to support factory-built housing.

 

 

In support of that, the Modular Home Builders Association Executive (MHBA) Director Tom Hardiman publicly blasted the Biden regime for engaging in a pattern of political payoffs for their friends. Why hasn’t MHI taken up the concerns of Hardiman at MHBA or Weiss at MHARR?

 

 

Marty Lavin has for well over a decade preached a simple method for discernment when possible deception, misdirection, paltering or other activities may be at play. MHI award-winner Lavin said the following.

When confronted with such a vexing pattern of MHI two-faced behavior that smacks of several federal law violations, what has MHI and their attorneys done? They have remained silent and or literally ducked out on possible opportunities to engage with MHProNews about the evidence-based concerns raised and linked herein.

 

So, despite the protestation and posturing of MHI outside attorney David Goch, the evidence is clear. The obvious path to grow as well as defend the industry’s and affordable housing consumer interests is to enforce existing laws. But MHI goes the long way around the block rather than taking the most direct route.

 

 

MHI does so by showboating. They demonstrate their numerous ties to public officials with photo ops and videos. But they only beg the question. Why has MHI failed to do a video where they asked HUD Secretary Fudge or FHFA Director Sandra Thompson directly on camera about the issues that they claim to support?

The prosecution need not rest there, because there is more. But that is sufficient to meet the threshold of evidence to warrant probable cause for an investigation of MHI, their leading brands, and a probe into why over 20 years after the enactment of the MHIA – what MHARR calls the 2000 Reform Law – there is still only duplicity on parade from MHI and its leaders.  If you check, will you see this sort of commentary and expert analysis by MHInsider, ManufacturedHomes blog, George F. Allen, or Kurt Kelley? Unlikely. They butter their bread with MHI and their larger members when and as they can. The Upton Sinclair observation seems to hold. It should be coupled to follow the money, and pay more attention to what people do rather than what they say.

 

HUD Code Manufactured Housing Production Grows June 2022, per Official Data – Additional Facts, Analysis, Commentary; plus Manufactured Home Communities REITs, Manufactured Housing Stocks Update

Next up is our daily business news recap of yesterday evening’s market report, related left-right headlines, and manufactured housing connected equities.

The Business Daily Manufactured Home Industry Connected Stock Market Updates.  Plus, Market Moving Left leaning CNN and Right-leaning (Newsmax) Headlines Snapshot. While the layout of this daily business report has been evolving over time, several elements of the basic concepts used previously are still the same. For instance. The headlines that follow below can be reviewed at a glance to save time while providing insights across the left-right media divide. Additionally, those headlines often provide clues as to possible ‘market-moving’ news items.

 

Market Indicator Closing Summaries – Yahoo Finance Closing Tickers on MHProNews…

Headlines from left-of-center CNN Business – from the evening of 8.23.2022

• Foreign threat
• Employees walk past a lighted Twitter log as they leave the company's headquarters in San Francisco on August 13, 2019. – Twitter on August 13 said that by the end of the year users will be able to follow a small number of interests the same way they follow people. The feature will be rolled out internationally as the one-to-many messaging platform makes a priority of being an online venue for conversations rather than a pulpit for one-way broadcasting to the masses.
• Twitter is vulnerable to influence by Russia and China, whistleblower says
• What the Twitter whistleblower could mean for Elon Musk’s takeover deal
• Ex-Twitter exec blows the whistle, alleging reckless and negligent cybersecurity policies
• Twitter whistleblower was on CNN 22 years ago. Here’s what he said
• Twitter’s security problems are risk to democracy
• Cutting guests is the latest pandemic wedding trend
• Some Kia and Hyundai SUVs should be parked outside over fire risk
• How low can they go? These stock analysts are issuing $0 and $1 price targets
• US business activity falls at its fastest rate since May 2020
• Turmoil in the natural gas market spells trouble ahead
• Instagram testing a new feature that looks just like rival BeReal
• Billionaire hedge fund manager Julian Robertson dies at 90
• Employees are ‘quiet quitting,’ but it doesn’t mean what you think
• Yelp to begin prominently labeling crisis pregnancy centers to avoid confusion
• ExpressJet Airlines, formerly under United, files for bankruptcy
• A motorist pumps gasoline at United Oil gas station in Los Angeles Friday, Aug. 12, 2022.
• The real reasons that gas prices are falling
• CURIOUS CONSUMER
• Janie Andrich and Craig Andrich use their phones to look up a digital menu via a QR code on the table in San Pedro Brewing Company on Friday, May 29, 2020, in the San Pedro area of Los Angeles. Restaurants were allowed to open their dining rooms with restrictions today.
• Why QR-code menus are still around
• Chipotle debuts a ‘water cup’ candle. It smells like lemonade
• Why you can’t always throw AA batteries in the trash
• Miller High Life has an ice cream that tastes like a dive bar
• Here’s what the Wendy’s of the future looks like
• FUTURE OF DRIVING
• The Dodge Charger Daytona SRT Concept combines modern looks with a long, wide and confident road presence. The front grille stands out with cross-car illuminated lighting centered by a white illuminated Fratzog badge.
• Dodge says its future electric muscle car will be super loud
• Hyundai Ioniq 5 named Car and Driver’s EV of the Year
• Audi debuts an electric, self-driving concept car
• Bugatti says its next car will be the fastest convertible
• This car replaces steering wheel with ‘chess piece controller’

 

Headlines from right-of-center Newsmax 8.23.2022

• C. Mayor’s Request for Guard Help With Migrant Influx Denied Again
• Migrants transported from Texas are dropped off within view of the U.S. Capitol in Washington, D.C., on Aug. 11.
• Washington, D.C., Mayor Muriel Bowser’s latest request that the D.C. National Guard help with migrants being bused into the city from Texas and Arizona was denied, The Hill reported. [Full Story]
• Raid on Trump’s Mar-a-Lago
• Meuser to Newsmax: Mar-a-Lago Raid ‘Outrageous’ | video
• Trump Files Motion for Special Master to Review Seized Materials
• Alina Habba to Newsmax: Warrant ‘Way Too Broad’ | video
• NY Times: Trump Had Over 300 Classified Docs at Florida Home
• Bipartisan ‘Gang of 8’ Requests Access to Docs Seized in Trump Raid
• Eric Trump to Newsmax: Raid ‘Galvanized’ Entire Country | video
• Trump: ‘Strongly Asserting My Rights’ Under 4th Amendment
• Judge: May Not Unseal Trump Mar-a-Lago Search Affidavit
• Newsmax TV
• Doug Mastriano: McConnell Needs to ‘Get Behind’ Us | video
• Fitzpatrick: Strength Needed From Biden for Ukraine | video
• John Kirby: Russia Has ‘No Intention’ of Diplomatic Solution | video
• Ben Cline: Biden WH’s ‘Hypocrisy Run Rampant’ | video
• Harrison: GOP-Led House Will Demand Fauci Testify | video
• Mullin: WH Makes US ‘More Dependent on Communist Countries’ for Energy | video
• Dick Morris: Trump Ups McConnell Leadership Challenge | video
• Fallon: Jan. 6 Consultant Conflict of Interest | video
• Newsfront
• Paul Pelosi Pleads Guilty to DUI
• Paul Pelosi, husband of House Speaker Nancy Pelosi, D-Calif., pleaded guilty Tuesday to a DUI charge stemming from his May car accident and arrest…. [Full Story]
• Whistleblower: Bad News for Twitter, Good News for Musk?
• Elon Musk might have just gotten a leg up in his effort to back out [Full Story]
• Atlanta Cops Won’t Face Charges in Brooks Shooting
• A specially appointed prosecutor announced Tuesday he will not pursue [Full Story]
• US Nuclear Deterrence ‘Breaking Down’ Over Lack of Tactical Nukes
• While the threat of “mutually assured destruction” has helped [Full Story] | Platinum Article
• Biden Administration Forecasts $1.03T Deficit, Down $400B
• The Biden administration is forecasting that this year’s budget [Full Story]
• Newsmax to Host New Hampshire GOP Senate Debate at Saint Anselm
• Biden Admin Allowed FBI to Review Classified Documents
• President Joe Bidens administration allowed the FBI to review over a [Full Story]
• Air Force, Space Force Ponder Program for Growing Beards
• The Department of the Air Force is reportedly considering apilot [Full Story]
• Fauci: Possible GOP Investigations ‘Not at All’ Factor in Resignation
• National Institute of Allergy and Infectious Diseases Director Dr. [Full Story]
• Video Report: State Dept Discourages Rodman From Going to Russia
• Jerusalem correspondent Daniel Cohen has the latest for “John Bachman [Full Story] | video
• Florida Cabinet Agrees to Anti-woke Investment Rule
• The Florida Cabinet on Tuesday approved an anti-woke investment rule [Full Story]
• Rasmussen: Californians Oppose Limitless Abortions
• Most Californians support limits on abortion, a Rasmussen Reports and [Full Story]
• Severe Drought Dries Up River in Texas, Reveals Dinosaur Tracks
• Severe drought conditions in Texas have caused a river to dry up in a [Full Story]
• NYC Mayor Adams Chides Paper for ‘Silly’ Nightlife Story
• After the New York Times published a lengthy piece Monday questioning [Full Story]
• Free Tactical Survival Lighter Issued to All Americans, (Liberals Are Furious!)
• Free Tactical Survival Lighter Issued to All Americans, (Liberals Are Furious!)
• US to Send $3B in Aid to Ukraine as War Hits 6 Months
• As Russia’s war on Ukraine drags on, U.S. security assistance is [Full Story]
• Related
• US Warns of Russian Attacks on Ukraine Infrastructure
• US Embassy Urges US Citizens to Leave Ukraine
• Ukraine Strikes Administration Headquarters in Donetsk, Russia-Installed Separatists Say
• Gary Gaines, Coach Made Famous by ‘Friday Night Lights,’ Dies at 73
• Gary Gaines, the coach who led the Texas high school football team [Full Story]
• 2 Men Guilty of Plot to Abduct Michigan Gov. Whitmer
• A jury on Tuesday convicted two men accused of conspiring to trigger [Full Story]
• Bidding Frenzy for Oligarch’s Superyacht
• A $75-million superyacht linked to a sanctioned Russian steel [Full Story]
• Russia Expert: Ultra-nationalist Rivalries Could Have Sparked Car Bombing
• One of Great Britain’s leading experts on Russia says the [Full Story]
• GOP Not Focused On Repealing Tax for Big Corporations
• Republicans do not consider repealing a 15% tax on big corporations a [Full Story]
• Video Report: France’s ‘Green Police’ Cracking Down on Environmental Threats
• France is turning to a “Green Police” force to crack down on [Full Story] | video
• CDC Director: ‘Dramatic’ Mistakes During Pandemic Prompt Reset
• Centers for Disease Control and Prevention Director Dr. Rochelle [Full Story] | video
• Progressive North Carolina Judges Threaten to Nullify Voters’ Wishes
• Four progressive North Carolina judges are seeking to void two state [Full Story]
• Accuser’s Mom: R. Kelly’s Threats Made Her Fear for Her Life
• A mother whose daughter prosecutors say R. Kelly sexually abused [Full Story]
• Yelp to Flag Crisis Pregnancy Centers to Point Out Clinics With Abortion Services
• Yelp told Axios on Tuesday that it will now start providing a [Full Story]
• Low Atlantic Storm Activity Defying Predictions
• For the first time since 2017, there have been no hurricanes in the [Full Story]
• ‘Top Gov.’ DeSantis Takes On Corporate Media in Campaign Ad
• In a new campaign ad, Florida GOP Gov. Ron DeSantis presents his plan [Full Story]
• Defense Department Again Denies D.C. Mayor’s Request for Guard Help
• Washington, D.C., Mayor Muriel Bowser’s latest request that the D.C. [Full Story]
• Poll: Vance Takes Lead Over Ryan in Ohio Senate Race
• A new poll by The Trafalgar Group poll reveals 49.5% of likely Ohio [Full Story]
• Meta Settles Facebook Location Tracking Lawsuit for $37.5M
• Meta Platforms Inc. reached a $37.5 million settlement of a lawsuit [Full Story]
• Report: Biden Favors Forgiving $10K Student Debt
• As the end of the pandemic moratorium on student loan payments [Full Story]
• Finance
• Whistleblower: Bad News for Twitter, Good News for Musk?
• Elon Musk might have just gotten a leg up in his effort to back out of buying Twitter…. [Full Story]
• Two Fed Banks Wanted Giant 1% Rate Rise in July
• George Mentz: It’s ‘China First,’ Be It COVID or a Stock Market Listing
• Not Even a Pandemic or a Recession Can Stop Globalization
• AstraZeneca Warns New US Drug Price Law Will Hurt Innovation
• Health
• Regular Exercise Lowers Risk for COVID Infection, Complications
• Looking for a new reason to work out? Here’s a good one: Regular exercise appears to significantly reduce your risk of getting COVID-19, a large international research review has found. And, if you do get COVID, the study found, routine moderate and/or intense exercise…… [Full Story]
• Study: Too Much TV, But Not Computer Screens, Increases Dementia Risk
• Kathy Griffin Asks Fans to Help With Cancer Scan After Doc ‘Ghosts’ Her
• New Study to Help Those with Autism Improve Driving
• States Where People Live the Longest, According to New Data

 

MHProNews has pioneered in our profession several reporting elements that keep our regular and attentive readers as arguably the best informed in the manufactured housing industry. Among the items shared after ‘every business day’ (when markets are open) is our left-right headline recap summary. At a glance in two to three minutes, key ‘market moving’ news items are covered from left-of-center CNN Business and right-of-center Newsmax. “We Provide, You Decide.” ^© Additionally, MHProNews provides expert commentary and analysis on the issues that others can’t or won’t cover that help explain why manufactured housing has been underperforming during the Berkshire era while an affordable housing crisis and hundreds of thousands of homeless in America rages on. These are “Industry News, Tips, and Views Pros Can Use” ^© features and others made and kept us the runaway #1 in manufactured housing trade publisher for a dozen years and counting. 

 

 

Manufactured Housing Industry Investments Connected Equities Closing Tickers

Some of these firms invest in manufactured housing, or are otherwise connected, but may do other forms of investing or business activities too.

• • • • • • • • • • • • • • NOTE: The chart below includes the Canadian stock, ECN, which purchased Triad Financial Services, a manufactured home industry lender
                          • NOTE: Drew changed its name and trading symbol at the end of 2016 to Lippert (LCII).
                          • NOTE: Deer Valley was largely taken private, say company insiders in a message to MHProNews on 12.15.2020, but there are still some outstanding shares of  the stock from the days when it was a publicly traded firm.  Thus, there is still periodic activity on DVLY.

‘Blackrock Weaponizing ESG’– State AGs Probe MHCommunities Owner, Private Equity Giant Blackrock on Possible Antitrust, Securities, Fiduciary Violations, See AGs’ Document; plus MHStocks Update

Manufactured Home Communities (a.k.a. ‘Mobile Home Parks’ – SIC) – Exploring UMH Properties; Fellow Manufactured Housing Institute Member Yes! Communities Suits and Settlements; plus MH Markets Updates

 

• • 2022 …Berkshire Hathaway is the parent company to Clayton Homes, 21^st Mortgage, Vanderbilt Mortgage and other factory-built housing industry suppliers.
    · LCI Industries, Patrick, UFPI, and LP each are suppliers to the manufactured housing industry, among others.
    · AMG, CG, and TAVFX have investments in manufactured housing related businesses. For insights from third-parties and clients about our publisher, click here.
    Enjoy these ‘blast from the past’ comments. MHProNews. MHProNews – previously a.k.a. MHMSM.com – has celebrated our 11th year of publishing and have completed over a dozen years of serving the industry as the runaway most-read trade media.

Sample Kudos over the years…

It is now 12+ years and counting…

Learn more about our evolutionary journey as the industry’s leading trade media, at the report linked below.

· For expert manufactured housing business development or other professional services, click here.
· To sign up in seconds for our industry leading emailed headline news updates, click here.

Disclosure. MHProNews holds no positions in the stocks in this report.

That’s a wrap on this installment of “News Through the Lens of Manufactured Homes and Factory-Built Housing” © where “We Provide, You Decide.” © (Affordable housing, manufactured homes, stock, investing, data, metrics, reports, fact-checks, analysis, and commentary. Third-party images or content are provided under fair use guidelines for media.) (See Related Reports, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them.)

By L.A. “Tony” Kovach – for MHProNews.
Tony earned a journalism scholarship along with numerous awards in history. There have been several awards and honors and also recognition in manufactured housing. For example, he earned the prestigious Lottinville Award in history from the University of Oklahoma, where he studied history and business management. He’s a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com. This article reflects the LLC’s and/or the writer’s position and may or may not reflect the views of sponsors or supporters.

 

 

 

 

 

 

Triad Financial Services Q2-2022 FINANCIAL RESULTS, per ECN Capital – Several Bright Spots in Manufactured Home Market Highlighted, Including Communities, Retail, Land-Home, Floor; MHStocks Update

Cavco Quarterly Results, Facts, and Trends Include SEC Suit Update, Manufactured Home Production Volumes, Financial Figures, Corporate Data and Manufactured Housing Analysis