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Introduced July 23, 2025 by Thomas Roland Tillis · Last progress July 23, 2025
Changes the federal definition of "manufactured home" to include homes built "with or without a permanent chassis" and creates a new state certification requirement. States must certify that their laws and regulations treat chassis-less manufactured homes the same as those on a permanent chassis for financing, title, insurance, manufacture, sale, taxes, transportation, installation, and other covered matters. States must submit an initial certification within one year of enactment (two years for biennial legislatures) and recertify annually; HUD will publish a list of states current with certifications, provide model guidance, and may coordinate with other federal agencies. If a State fails to submit required certification(s), manufacture, installation, or sale of newly built covered manufactured homes may be prohibited in that State until certification is provided, subject to how installation is administered in that State. Federal preemption of conflicting state standards is preserved.
The bill expands housing options and financial parity for chassis-free manufactured homes, but imposes state compliance costs and risks local market disruption if states fail to meet certification or adjust laws.
Homebuyers and renters gain access to more housing options because federal law treats factory-built homes with or without a chassis as 'manufactured homes,' expanding eligible housing stock.
Owners of chassis-free manufactured homes gain parity for financing, title, insurance, taxes, and sale, improving their ability to obtain mortgages and insurance.
Manufacturers and sellers gain clearer federal standards and HUD model guidance, reducing regulatory uncertainty and making it easier for small businesses to produce and sell chassis-free manufactured homes.
Homebuyers and small sellers could be blocked from buying or selling newly built covered manufactured homes if a State misses federal certification deadlines, causing market disruption and lost sales.
State governments face new administrative and legislative burdens from initial certification and annual recertification requirements, creating costs and resource demands that could be passed on to residents.
Taxpayers and homeowners may face changes in tax, title, or insurance rules during state transitions to parity, potentially shifting tax burdens or increasing costs for property owners.