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Your proposals seem to focus on the use of non-profit and government own Parks as the testing ground for Chattel lending. Get the government and the non-profits out of the process, they will only screw it up. Hopefully, there are Trump people starting to filter into the agency, those who believe that it is only the private sector that can actually solve problems, and we have a critical problem.

I own a Park in the high desert/rural area of California that by my count at one time had 20% of the families with a child with some form of Down syndrome. Throughout the entire crisis, the only asset that these families had was there home. Because of the failure of government not only failing to provide liquidity but by stopping the private sector from doing so, these families were decimated and suffered unnecessarily.

Barney Frank flat out stated that the manufactured housing industry was not suppose to be subject to the provisions of the Dodd Frank legislation. By his own admission, the fact that we were was ""a mistake"".

The only solution is for the government to allow the manufactured housing industry to grow without the onerous incompetence of layers upon layers of government bureaucracy producing meaningless regulation, all at a snails pace.

Solution: The best way to solve the problem in the manufactured housing industry is to allow Walmart to enter the banking industry. By giving Walmart a banking charter that allows them to at least make Chattel loans will solve the problem. They know our homeowners better than anyone and with a foot in the door they can offer all kinds of ancillary benefits/services to their new manufactured home borrowers. Instead of burying the homeowner with a high interest loan rate that leaves them broke by the 5th of each month, Walmart can make sure that those same homeowners have enough money left over every month so that when they stop at the Supercenter bank, currently located within a 5 foot easement of every mobilehome Park in the country, they will have enough money left over to buy those 40 tubes of toothpaste for $2.79, booking an additional $2.78 profit. The interest rate on the loan will be reasonable, but the shopping carts leaving the stores will be filled to the brim. A secondary market will develop on its own. We need another Greentree (pre Conseco) and Walmart could do it.

I am a life long registered Democratic and the government is the problem, it isn't working.