Office of Risk Management and Regulatory Affairs

Information by State  Print version

The Office of Regulatory Affairs and Manufactured Housing is comprised of five regulatory programs: The Real Estate and Settle Procedures Act (RESPA), Interstate Land Sales, the Office of Manufactured Housing Programs, the Minimum Property Standards Program, and the Secure and Fair Enforcement (SAFE) for mortgage licensing program.

The Real Estate Settlement Procedures Act (RESPA) is a HUD consumer protection statute designed to help homebuyers be better shoppers in the home buying process, and is enforced by HUD.

The Interstate Land Sales (ILS) program protects consumers from fraud and abuse in the sale or lease of land.

The Manufactured Housing program regulates the construction of certain factory built housing units, called manufactured homes, formerly known as mobile homes. The HUD program oversees the enforcement of the construction standards working through private inspection agencies and State governments.

The Minimum Property Standards (MPS) establish certain minimum standards for buildings constructed under HUD housing programs. This includes new single family homes, multi-family housing and health care type facilities.

The Secure and Fair Enforcement (SAFE) Mortgage Licensing program is designed to enhance consumer protection and reduce fraud by encouraging states to establish minimum standards for the licensing and registration of state-licensed mortgage loan originators.