Home > Resources > Whitepapers > Manufactured-housing consumer finance in the United States

Manufactured-housing consumer finance in the United States

This white paper provides background on manufactured housing, including the market and regulatory environment, as well as on consumers who purchase or rent manufactured housing. The Consumer Financial Protection Bureau (Bureau) initiated research into manufactured housing to provide the Bureau and others with a more comprehensive understanding of manufactured housing and its financing. Manufactured housing accounts for six percent of all occupied housing and a much smaller fraction of home loan originations in the U.S. These fractions notwithstanding, manufactured housing is of interest to the Bureau for at least two reasons. First, it is an important source of affordable housing, in particular for rural and low-income consumers. Second, manufactured housing may raise particular consumer protection concerns due to the nature of the retail and financing markets for manufactured housing. This is particularly true to the extent that buyers of manufactured homes are more likely to belong to groups, such as older or lower-income families, that might be considered financially vulnerable.

Spotlight

Ministry of Economy and Finance.

Internet Portal of the Ministry of Economy and Finance.

OTHER WHITEPAPERS

How the Need for Contactless Government

whitePaper | December 29, 2021

Digital and mobile technology have played a significant role in keeping communities connected during the COVID-19 pandemic. From broken streetlights to damaging potholes, residents quickly adopted the virtual front door model to safely submit questions, photos, issues, and concerns through contactless methods.

Sustaining and Scaling Civic and Government Technology: A White Paper on Challenges, Best Practices and Recommendations

whitePaper | March 17, 2023

The International Republican Institute (IRI) is one of the world’s leading international democracy development organizations. The nonpartisan, nongovernmental institute has supported civil society organizations, journalists, democratic governments and other democratic actors in more than 100 countries since 1983—in Africa, Asia, Eurasia, Europe, Latin America and the Caribbean, the Middle East and North Africa—with a current presence in over 70 and working in over 100. Through its global support network to advance digital democracy initiatives, IRI provides capacity building trainings to strengthen grassroots actors’ ability to launch, sustain and scale digital democracy projects; and supports civictech and govtech projects around the world.

Ensuring American Leadership in Automated Vehicle Technologies

whitePaper | January 8, 2020

The United States Government is committed to fostering surface transportation innovations to ensure the United States leads the world in automated vehicle (AV) technology development and integration while prioritizing safety, security, and privacy and safeguarding the freedoms enjoyed by Americans. The U.S. Government recognizes the value of industry leadership in the research, development, and integration of AV innovations. Such innovation requires appropriate oversight by the Government to ensure safety, open markets, allocation of scarce public resources, and protection of the public interest. Realizing the full potential of AVs will require collaboration and information sharing among stakeholders from industry, State, local, tribal, and territorial governments, academia, not-for-profit organizations, standards development organizations (SDO), and the Federal Government.

Budget of the U.S. Government

whitePaper | March 3, 2023

Budget of the United States Government, Fiscal Year 2024 contains the Budget Message of the President, information on the President’s priorities, and summary tables. Analytical Perspectives, Budget of the United States Government, Fiscal Year 2024 contains analyses that are designed to highlight specified subject areas or provide other significant presentations of budget data that place the budget in perspective. This volume includes economic and accounting analyses, information on Federal receipts and collections, analyses of Federal spending, information on Federal borrowing and debt, baseline or current services estimates, and other technical presentations.

The State of Ransomware in State and Local Government 2022

whitePaper | September 19, 2022

Sophos' annual study of the real-world ransomware experiences of IT professionals in the state and local government sector has revealed an ever more challenging attack environment. Together with the growing financial and operational burden ransomware places on its victims, it also shines new light on the relationship between ransomware and cyber insurance - including how insurance drives changes to cyber defenses.

Funding the Global Benefits to Biopharmaceutical Innovation

whitePaper | February 12, 2020

Both the U.S. Government and biopharmaceutical industry have been central engines for developing new medical treatments and cures, thereby lowering the effective price of better health for patients worldwide. The sector has done so by being both the world leader in these biopharmaceutical cures and treatments as well as the source of the returns that are required to fund new medical R&D investments.