S. 2414: Housing Supply Expansion Act of 2025

This bill, known as the Housing Supply Expansion Act of 2025, aims to update the legal definition of manufactured homes. Specifically, it modifies the current definition to allow manufactured homes to be classified both with and without a permanent chassis. Here are the key components of the bill:

Definition Changes

The bill amends the National Manufactured Housing Construction and Safety Standards Act of 1974, removing the requirement that manufactured homes must be built on a permanent chassis. This change widens the range of structures that can be classified as manufactured homes.

State Certifications

States are required to submit certifications to the Secretary of Housing and Urban Development (HUD) about their laws and regulations regarding manufactured homes. This includes:

• A state must treat manufactured homes without a permanent chassis in the same way as those with one, covering areas such as financing, insurance, and regulations.
• States have one year to submit this certification, with a possible extension to two years for states with biennial legislative sessions.
• States must also provide annual recertifications confirming the accuracy of their initial submissions.

Regulatory Provisions

The Secretary of HUD is tasked with ensuring that federal agencies treat the newly defined manufactured homes as equivalent to those under the previous definition. Additionally, if a state fails to submit the required certifications, the manufacture, installation, and sale of homes not considered traditional manufactured homes will be prohibited within that state.

Federal Coordination

The bill allows HUD to coordinate with other federal agencies to ensure consistent treatment of manufactured homes across various federal regulations.

Assistance for States

HUD will provide model guidance to assist states in submitting their required certifications effectively.

Preemption Clause

The bill clarifies that it does not limit existing federal preemption related to manufactured housing laws, maintaining that federal standards will still prevail over state regulations where applicable.

Relevant Companies

• PHM - PulteGroup, Inc.: Could be impacted by changes in the classification and regulation of manufactured homes as it may affect manufacturing processes and sales regulations.
• CCK - Crown Cork & Seal Company, Inc.: May see effects if their packaging solutions are used for manufactured homes, depending on the new regulatory environment.