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S. 2123 109th Congress Senate

FHA Manufactured Housing Loan Modernization Act of 2005

Official title: A bill to modernize the manufactured housing loan insurance program under title I of the National Housing Act.

Introduced: December 16, 2005 See on congress.gov
Housing and Community Development Administrative procedureCommerceDepartment of Housing and Urban DevelopmentEconomics and Public Finance
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Evidence (Law)Federally-guaranteed loansFinance and Financial SectorGovernment Operations and PoliticsIndexing (Economic policy)Insurance premiumsLawMobile homesMortgage banksMortgage guaranty insuranceMortgagesPrefabricated buildingsStandards
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This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 4, 2006
Committee on Banking, Housing, and Urban Affairs Subcommittee on Housing, Transportation and Community Development. Hearings held. With printed Hearing: S.Hrg. 109-994.
Dec 16, 2005
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Dec 16, 2005
Introduced in Senate
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 Latest action April 4, 2006

Committee on Banking, Housing, and Urban Affairs Subcommittee on Housing, Transportation and Community Development. Hearings held. With printed Hearing: S.Hrg. 109-994.

 Plain-English summary Congressional Research Service

FHA Manufactured Housing Loan Modernization Act of 2005 - Amends the National Housing Act with respect to Federal Housing Administration (FHA) housing loan insurance for manufactured homes (or lots for such homes) to: (1) exempt such loans from certain financial institution portfolio limits; (2) establish loan-to-value ratio and downpayment requirements; (3) provide that any such contract shall be conclusive evidence of an institution's insurance eligibility; (4) increase loan limits; (5) set forth borrower premium charges; and (6) direct the Secretary of Housing and Urban Development to establish underwriting criteria that will ensure the manufactured housing program's financial soundness.

 Related & companion bills 2
  • HR 4804 Identical bill FHA Manufactured Housing Loan Modernization Act of 2006
  • HR 2803 FHA Manufactured Housing Loan Modernization Act of 2005
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S. 2123: FHA Manufactured Housing Loan Modernization Act of 2005. 109th Congress. Open America. https://openamerica.io/bill/109-S-2123/
MLA
"S. 2123: FHA Manufactured Housing Loan Modernization Act of 2005." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-S-2123/.
Bluebook (legal)
S. 2123, 109th Cong. (2026), https://openamerica.io/bill/109-S-2123/.
Markdown link
[S. 2123: FHA Manufactured Housing Loan Modernization Act of 2005](https://openamerica.io/bill/109-S-2123/)
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