“Deception, Misdirection, and Market Power: Manufactured Housing’s Hidden Crisis”

According to Copilot, based on this request:

Copilot, I'd like you to take the new MHLivingNews https://www.manufacturedhomelivingnews.com/was-vox-rachel-cohen-booth-misled-by-mhi-ceo-lesli-gooch-removable-chassis-road-to-housing-act-2025-unpacking-evidence-of-deception-and-misdirection-by-manufactured-housing-institute-fea/ and new MHProNews articles https://www.manufacturedhomepronews.com/affordable-housing-unaffordable-credit-concentration-high-cost-lending-for-manufactured-homes-sebastian-doerr-andreas-fuster-bis-exploit-market-power-manufactured-housing-borrowers/ and do a 750 word brief for the Patch that links to both. Make the brief factually accurate, of course. Use some hot button phrases that will inspire a great headline and subheading. Explain why it is important in the context of the ROAD to Housing Act 2025 and the affordable housing crisis.

Copilot's response follows this Copilot generated image (not my favorite, but Copilot generated it). There were tweaks in what Copilot said that will be disclosed further below.

Here’s a 750-word Patch-style brief that ties together the two articles with hot-button framing, factual accuracy, and clear relevance to the ROAD to Housing Act 2025 and the broader affordable housing crisis.

“Deception, Misdirection, and Market Power: Manufactured Housing’s Hidden Crisis”

Why the ROAD to Housing Act 2025 May Be a Detour from Real Reform

Two new investigative reports—one from MHLivingNews and another from MHProNews—are sounding alarms about the manufactured housing industry’s leadership, lending practices, and legislative priorities. Together, they expose a troubling pattern of misleading narratives, regulatory capture, and economic exploitation that’s costing millions of Americans their shot at affordable homeownership.

At the heart of the controversy is the Manufactured Housing Institute (MHI), the industry’s largest trade group, and its CEO Lesli Gooch. In a 2025 interview with Vox journalist Rachel Cohen Booth, Gooch claimed that MHI began pushing for a change to the federal “permanent chassis” rule back in 2017.

But as multiple third-party AI systems MHLivingNews document, there’s no evidence in MHI’s public statements, meeting minutes, or correspondence with HUD that supports Gooch's claimed timeline.

In fact, Gooch’s own 2019 letter to then-HUD Secretary Ben Carson focused on enhanced federal preemption—and did not mention the option removable chassis rule at all.

That discrepancy isn’t just a footnote—it’s a red flag.

According to multiple AI systems consulted by MHLivingNews (including Microsoft Copilot, ChatGPT, Grok, and Gemini), Gooch’s claim appears to be a classic case of “deception and misdirection,” a tactic identified by the Capital Research Center (CRC) as common among organizations and/or individuals seeking to deflect criticism while attempting to maintain some degree of respectability or control.

Why does this matter?

Because the ROAD to Housing Act 2025, currently attached to the National Defense Authorization Act (NDAA), is being promoted in part as a solution to manufactured housing’s zoning and lending barriers.

But critics say it fails to enforce existing laws—like the Manufactured Housing Improvement Act of 2000 and the Duty to Serve mandate from the Housing and Economic Recovery Act of 2008—that already provide the tools to fix these problems.

The Manufactured Housing Association for Regulatory Reform (MHARR) has proposed targeted amendments to the ROAD Act that would unlock millions of affordable homes.

Yet MHI has remained silent on those proposals, raising questions about whose interests it truly represents.

Meanwhile, MHProNews has published a bombshell analysis of a new working paper from the Bank for International Settlements (BIS), authored by economists Sebastian Doerr and Andreas Fuster. Their research confirms what MHARR and consumer advocates have warned for years: manufactured home buyers face disproportionately high interest rates, not because of credit risk, but because of market concentration and lack of competition among lenders.

The BIS paper, titled “Affordable Housing, Unaffordable Credit? Concentration and High-Cost Lending for Manufactured Homes,” reveals that a handful of dominant firms are exploiting their market power to charge higher rates, especially to low-income and minority borrowers. This isn’t just a financial injustice—it’s a systemic barrier to upward mobility and wealth creation.

MHProNews connects the dots between this lending abuse and broader industry consolidation.

When fewer companies control more of the market—whether in production, retail, finance, or communities—they can help shape regulations, suppress competition, and steer public policy in their favor.

The result? Manufactured housing production remains far below its historic norms, even as the nation faces a shortfall of over 7 million affordable homes.

The economic consequences are staggering.

According to HUD and other sources, the housing shortage is costing the U.S. economy up to $2 trillion annually in lost productivity, reduced labor mobility, and constrained consumer spending. Manufactured housing could be a key part of the solution—but only if federal laws are enforced and industry gatekeepers are held accountable.

These two reports—one focused on misleading narratives, the other on financial exploitation—paint a sobering picture of an industry at a crossroads. Will Congress amend the ROAD to Housing Act to reflect the real barriers and enforce existing laws? Will federal agencies finally act on the mandates they’ve long ignored? And will consumers, advocates, and independent producers demand transparency and reform?

The stakes couldn’t be higher. Manufactured housing isn’t just a niche—it’s the most proven form of unsubsidized affordable housing in America. But without honest leadership, fair lending, and regulatory integrity, it risks becoming a tool of consolidation rather than empowerment.

For more on this developing story, read the full reports:

📎 Was Vox’s Rachel Cohen Booth Misled by MHI CEO Lesli Gooch?

📎 Affordable Housing, Unaffordable Credit – BIS Exposes Market Power Abuse

--- MHProNews edited the above lightly as a close look at the screen capture below documents. There was one factual error spotted by Copilot (wrong date) and some minor tweaks. But overall, Copilot did quite well. ---

Other topics follow.

Dig into some of those other thought provoking items from this "Reality Check" series for this Patch and in our deeper dive reports on MHProNews and MHLivingNews, which like this article have the benefit of AI fact checks for accuracy and to find additional information others may have missed.

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Larry Elder on 'Supercharging the U.S. Economy' Using a Proven Method

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Democrats and GOP both 'Underwater' in New Poll-But Guess Which Leads?

By the Numbers - Evidence of Discrimination Against Believers in God

Employees! It is ‘Not Free Market Capitalism It’s Corporate Feudalism’

HUD Sec Turner-'Corporate Takeover of Housing—A Manufactured Crisis'

'Trump Is Leading a Historic Counterrevolution Against the Deep State'

Federal Racket-Follow the Money-Tammany Hall 2.0 and Big U.S. Media

U.S. Manufactured Home Industry Production 2024 Total Up per MHARR

(Note MHARR is short for the Manufactured Housing Association for Regulatory Reform.)

Scott Turner Confirmed Secretary of Housing and Urban Development-Official HUD+Manufactured Housing Association for Regulatory Reform (MHARR) News Releases; Manufactured Home Generational Wealth

> ‘Endemic Mismanagement of HUD Manufactured Housing Program’ Nom Turner

'Restoring and Expanding Affordable Housing Role of Manufactured Homes'–MHARR Letter Cites 2000 Reform Act, "Enhanced Preemption" Much More...https://patch.com/florida/lake...

> Big Govt, Big Pharma, Big Food made Americans Overweight and Unhealthy

> Virginia Bishop for ‘Well-Regulated Borders’ Amid VP J.D. Vance Rumble

> Romano-Trump Bans DEI In Federal Govt—States And Corporations Are Next

> How Republicans Should Follow Through on Tough Talk on Immigration

> NPR=87 Registered Democrats in Editorial Positions and No Republicans

> President Donald J. Trump’s Official 'America First Priorities'

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> Rubio Senate Replacement Ashley Moody (FL-R) Gets Key Assignments

> Trump Plan: Make America Safe, Affordable, Restore U.S. Values for All

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> Official Manufactured Housing Production from 1995-2023-Why it Matters

> Anna Paulina Luna (FL-R) and Barry Loudermilk (GA-R) MERIT Act Insight

> Executive Orders on Investigating Biden Censorship & Weaponization

> Floridian Dr István Dobozi Strikes at Trump Again in Magyar Article (Another critical analysis - fact check).

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> Why do Liars Lie? Why do those Engaged in Paltering and Spin Palter?

> Controversy-Manufactured Housing Institute-Lesli Gooch-Mark Bowersox

> ‘Mobile Home Values Rising Faster Than Single-Family’ House-Wow Fact$

> Realtor-What Is a Manufactured Home? The Next Step Beyond Mobile Homes

> Orlando RE Agent Smith-Younger Adults Will Need $8500 Monthly for Rent

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> Rob Romano-Time To Declassify Everything, Or Another RussiaGate Ahead

> Contemporary Tips from Legend Paul Harvey-Surprising Rest of the Story

> Alert: Is Affordable Housing Linked Scandal at Champion Homes Brewing?

> Report: Biden-Harris Federal Agencies Spent Millions Torturing Cats

> Lesli Gooch Ph.D.-Award, Coverup, Headfake, Scandal? Rest of the Story (Manufactured Housing Institute linked)

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> ALG Unpacks Trump Pitch to Cut Drug Costs by Cutting PBM Middleman

> Is there Evidence that God Exists? Evolution vs. Intelligent Design

> Democratic Voters-Closer Look at Biden’s Acts Before Biden-Harris Exit

> Christian Leaders-Signs of 4th 'Great Awakening' Millions go to Jesus

> Attorney John Morgan - Democrat Megadonor on Kamala Harris Campaign

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> USA Today - David Plouffe and Dem Advisers on Kamala Harris Revelation

> Majority OK Trump Transition-Mass Deportations-Tariffs- Is it Hopeful?

> Niskanen Center Praises Manufactured Home ‘Cost Savings’ and ‘Quality’

> Alice Carter-The Northern Forum-Deporting Immigrants & Housing Crisis

> Cartoons-Kamala Day 1, DOGE the Swamp, Brainwashing, & Out In the Cold

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> The Creepy Line-Peter Schweizer-Dr. Jordan Peterson-Dr. Robert Epstein

> Secret State Miniseries - Fictional TV Series Shed Light on Reality

> Trump Transition Team Asked to Prioritize Affordable Housing Issues

> Top 10 States for Homelessness & Top Cities for Crime=Shocking Lessons

> WashPost-American Dream Fades But Assoc CEO Mark Weiss Shows Solution

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> Blankley-Goodbye American Dream? Only 10% Polled Can Buy a House; But

> Frank Rolfe-Special Interests ‘Don’t Want to Solve Affordable Housing'

> TARK-‘I’m a Teen and Know the Solution to Affordable Housing Crisis’

---> Renting? Rent too High? Odds Are DOJ Suit vs RealPage Matters to You

> New-Certified “Half Price Homes” - Affordable Housing Solution Redux

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> Solution: “Would-Be Homebuyers Need 80% More Income Than 4 Years Ago”

L. A. “Tony” Kovach is a publisher who has earned multiple awards in history. He and his family live in a manufactured home on private property in Winter Haven, FL. He is the co-founder of Manufactured Home Living News.com (MHLivingNews.com) and Manufactured Home Pro News.com (MHProNews.com), trade publications serving segments of the manufactured home industry. Having worked in several segments of the manufactured home industry for over 3 decades, Kovach is a widely acknowledged and often praised expert on manufactured housing.

According to scores of industry pros and three different AI fact-checks, Kovach is the most prolific, most rigorous, most factually accurate-document rich research-reporter on manufactured housing industry issues in the 21st century. But I do get fat finger typos. Please pardon those when you find them. ###

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