Housing Supply Expansion Act of 2025
Summary
The Housing Supply Expansion Act of 2025 aims to increase housing supply by updating the definition of "manufactured home" to include homes built with or without a permanent chassis. This change seeks to align state and federal regulations, potentially easing financing and other requirements for these homes. The Act also provides assistance to states in updating their regulations and requires them to certify compliance.
Expected Effects
The primary effect will be a change in how manufactured homes are defined and regulated, particularly concerning those without permanent chassis. This could lead to increased availability of such homes and potentially lower housing costs. States will need to update their laws and regulations to comply with the new federal definition.
Potential Benefits
- Increased housing supply, particularly of more affordable options.
- Streamlined regulations for manufactured homes across states.
- Potential reduction in housing costs due to increased supply and easier financing.
- Greater flexibility in housing design and construction.
- Clarification and modernization of the definition of "manufactured home".
Potential Disadvantages
- States may face challenges and costs in updating their laws and regulations.
- Potential for inconsistencies in enforcement if states interpret the federal guidelines differently.
- Concerns about the quality and safety of manufactured homes without permanent chassis if not properly regulated.
- Possible preemption issues if state laws conflict with the updated federal definition.
- Increased burden on the Department of Housing and Urban Development (HUD) to oversee state compliance.
Constitutional Alignment
The Act appears to align with the Constitution's general welfare clause (Preamble). It enables Congress to legislate in areas that promote housing and economic development. The Act's focus on regulating interstate commerce through manufactured housing standards also aligns with the Commerce Clause (Article I, Section 8, Clause 3).
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).