Suzanne Bonamici (D-OR)
Fair Manufactured Housing Lending Act
A Democratic bill with 9 Democratic cosponsors · See all 9 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill is called the Fair Manufactured Housing Lending Act. It changes the Truth in Lending Act by updating the definition of a mortgage originator. Specifically, the bill includes retailers of manufactured or modular homes in this definition. The House of Representatives introduced this bill on November 10, 2026.
Yes
- Scored +2
Would households on low incomes be better off under this?
By bringing manufactured and modular home retailers under mortgage originator rules, the bill can provide better regulatory oversight for buyers who often rely on such housing options.
- Scored +2
Does this give the federal government more power?
The bill expands federal regulatory definitions under the Truth in Lending Act to cover manufactured and modular home retailers.
- Scored +2
Does this make housing cost less?
The bill updates the Truth in Lending Act to include manufactured and modular home retailers in the definition of mortgage originator, potentially improving consumer protections and standards in housing finance.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Inclusion of Retailers: Section 2 updates Section 103(dd)(2)(C) of the Truth in Lending Act by changing the definition to include retailers of manufactured or modular homes as mortgage originators. This ensures these specific retailers fall under the mortgage originator rules.
Potential Negative Impacts for People
- Text Limitations: The provided text does not contain explicit provisions detailing negative consequences or burdens for individuals or groups.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — By bringing manufactured and modular home retailers under mortgage originator rules, the bill can provide better regulatory oversight for buyers who often rely on such housing options.
- Governance And Ideology
- Does this give the federal government more power? — The bill expands federal regulatory definitions under the Truth in Lending Act to cover manufactured and modular home retailers.
- Social Issues And Justice
- Does this make housing cost less? — The bill updates the Truth in Lending Act to include manufactured and modular home retailers in the definition of mortgage originator, potentially improving consumer protections and standards in housing finance.
- 11/11/2026
- 1 Cosponsor added.
- 11/10/2026
- Referred to the House Committee on Financial Services.
- 8 Cosponsors added.
- Introduced in House
Greg CasarDemocrat · Texas
Maxwell FrostDemocrat · Florida
Jesús GarcíaDemocrat · Illinois
Jared HuffmanDemocrat · California
Pramila JayapalDemocrat · Washington
Brittany PettersenDemocrat · Colorado
Andrea SalinasDemocrat · Oregon
Rashida TlaibDemocrat · Michigan
Juan VargasDemocrat · California