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Office
of Regulatory Affairs and Manufactured Housing
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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.
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