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To authorize implementation grants to community-based nonprofits to operate one-stop reentry centers.
HR8548Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA)
introduced
S1194119th CongressWALLET
Manufactured Housing Tenant’s Bill of Rights Act of 2025
Sponsored By: Senator Sen. Shaheen, Jeanne [D-NH]
Introduced
Summary
Tenant protections tied to federal financing. This bill would create a federally backed financing safeguard regime for manufactured home communities that conditions access to certain HUD and FHFA loan and insurance programs on required lease-based resident protections and new standards-setting structures.
Show full summary
- Residents: Residents in manufactured home communities would gain mandated lease-based protections aimed at limiting predatory rent increases and abusive management practices when their community seeks covered federal loans or insurance.
- Community owners and investors: Owners who adopt the mandated protections could qualify for covered pricing incentives that lower borrowing costs under eligible loan programs.
- Oversight and standards: The bill would create an independent standards commission, set procedures for funding and lease standards, and define key terms such as Affiliate to guide eligibility and enforcement.
- Covered programs: It ties the safeguards to specific federal programs, including the Section 207 insurance program for construction or rehabilitation of manufactured home parks and multifamily loan programs at Fannie Mae and Freddie Mac.
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 3 benefits, 0 costs, 1 mixed.
Money damages for tenant violations
If enacted, tenants harmed by material violations of the new lease protections could get specific money remedies. Examples: six months of current rent for some wrongful terminations or 1-year lease violations; repayment of improper rent increases or improper fees plus interest and an extra 25%; if the owner or affiliate sells a tenant's home within 12 months, the tenant could get the sale price or 12 months of prior rent, whichever is higher; denial of sublease or sale signs could require payment of remaining lease rent; missing the 60-day sale/closure notice could require two months' rent or 10% of the community sale price divided among tenants. These remedies would take effect upon enactment and apply for material violations.
New protections for manufactured home residents
If enacted, people who rent or own homes on leased pads would get new minimum lease protections in communities owned by covered borrowers or their affiliates. Leases would generally be renewable one-year terms. Owners would need to give at least 60 days' written notice for new charges or rent increases, plus extra notice time for very large increases. Tenants would get a 5-day grace period and 15 days to cure missed rent. Homeowners could sell in place, post "For Sale" signs, and tenants would get a 60-day notice and 60-day negotiation window before community sale or closure. These lease rules would start on and after 180 days after enactment. HUD and FHFA would also publish one public website listing properties covered by these protections and explain any different protections already offered by Fannie Mae or Freddie Mac.
Commission and standard lease rules
If enacted, a 16-member Manufactured Home Community Lending Standards Commission would be created and must deliver proposed stronger consumer protections within 1 year. The President would name the chair and appointments must be made within 45 days of enactment. The Director (FHFA) would also develop a standard site-lease that the enterprises must certify will allow mortgages on homes in communities to be bought under single-family programs, and must send that lease to Congress within 1 year. The bill does not authorize new appropriations; HUD and FHFA must use existing funds to carry out these actions.
Federal loans tied to tenant protections
If enacted, three federal programs for manufactured home communities would be treated as "covered loan programs": the FHA Section 207 insurance program and Fannie Mae and Freddie Mac community loan programs. On and after 180 days after enactment, loans under those programs would not be eligible for insurance or purchase unless the borrower certifies and documents that required lease protections will be used. Covered loan pricing discounts would only be allowed if they reward protections stronger than the law's minimum. The bill would define "covered pricing incentive" and define "affiliate" broadly (control relationships), though the Secretary or Director may allow exceptions. If a borrower or affiliate willfully and materially violates protections, they could be barred from federal financing or assistance for at least two years starting on the date of the violation.
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Sponsors & CoSponsors
Sponsor
Sen. Shaheen, Jeanne [D-NH]
NH • D
Cosponsors
Richard Blumenthal
CT • D
Sponsored 3/27/2025
Sen. Fetterman, John [D-PA]
PA • D
Sponsored 3/27/2025
Sen. Smith, Tina [D-MN]
MN • D
Sponsored 2/10/2026
Roll Call Votes
No roll call votes available for this bill.
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