Fair Manufactured Housing Lending Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 10975 Introduced in House (IH)]

<DOC>

119th CONGRESS 2d Session H. R. 10975

To amend the Truth in Lending Act to include retailers of manufactured or modular homes in the definition of mortgage originator, and for other purposes.

_______________________________________________________________________

IN THE HOUSE OF REPRESENTATIVES

November 10, 2026

Ms. Bonamici (for herself, Mr. Garcia of Illinois, Ms. Salinas, Ms. Tlaib, Ms. Pettersen, Ms. Jayapal, Mr. Huffman, Mr. Casar, and Mr. Vargas) introduced the following bill; which was referred to the Committee on Financial Services

_______________________________________________________________________

A BILL

To amend the Truth in Lending Act to include retailers of manufactured or modular homes in the definition of mortgage originator, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Fair Manufactured Housing Lending Act''.

SEC. 2. INCLUSION OF RETAILERS OF MANUFACTURED OR MODULAR HOMES IN THE DEFINITION OF MORTGAGE ORIGINATOR.

Section 103(dd)(2)(C) of the Truth in Lending Act (15 U.S.C. 1602(dd)(2)(C)) is amended-- (1) by striking ``any person'' and all that follows through ``not otherwise'' and inserting ``any person who is not otherwise''; (2) by striking ``; or'' and inserting a semicolon; and (3) by striking clause (ii). <all>