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[Federal Register Volume 90, Number 2 (Friday, January 3, 2025)]
[Rules and Regulations]
[Pages 199-204]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2024-30270]

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DEPARTMENT OF AGRICULTURE

Rural Housing Service

7 CFR Parts 3550 and 3555

[Docket No. RHS-24-SFH-0034]
RIN 0575-AD32

Updating Manufactured Housing Provisions

AGENCY: Rural Housing Service, Department of Agriculture (USDA).

ACTION: Final rule.

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SUMMARY: The Rural Housing Service (RHS or the Agency), a Rural 
Development (RD) agency of the United States Department of Agriculture 
(USDA), is amending the current regulations for the Single Family 
Housing (SFH) Direct Loan Program and the SFH Guaranteed Loan Program. 
The intent of this final rule is to allow the Agency to give borrowers 
increased purchase options within a competitive market and increase 
adequate housing along with an enhanced customer experience with the 
SFH programs.

DATES: This final rule is effective March 4, 2025.

FOR FURTHER INFORMATION CONTACT: Sonya Evans, Finance & Loan Analyst,

[[Page 200]]

SFH Direct Loan Division, Rural Housing Service, Rural Development, 
United States Department of Agriculture, 1400 Independence Avenue SW, 
Washington, DC 20250, Phone: 423-268-4333, Email: [email protected]. 
Or contact Stephanie Freeman, Finance & Loan Analyst, Policy, Analysis, 
and Communications Branch, Single Family Housing Guaranteed Loan 
Division, Rural Housing Service, Rural Development, United States 
Department of Agriculture, 1400 Independence Avenue SW, Washington, DC 
20250, Phone: 314-457-6413, Email: [email protected].

SUPPLEMENTARY INFORMATION:

I. Background

    The USDA RHS offers a variety of programs to build or improve 
housing and essential community facilities in rural areas. RHS offers 
loans, grants, and loan guarantees for single- and multifamily housing, 
childcare centers, fire and police stations, hospitals, libraries, 
nursing homes, schools, first responder vehicles and equipment, and 
housing for farm laborers. The Agency also provides technical 
assistance loans and grants in partnership with non-profit 
organizations, Indian tribes, state and federal government agencies, 
and local communities.
    Well built, affordable housing is essential to the vitality of 
communities in rural America. RD Single Family Housing (SFH) Programs 
give families and individuals the opportunity to buy, build, or repair 
affordable homes located in rural America. Eligibility for these loans, 
loan guarantees, and grants is based on income and varies according to 
the average median income for each area.
    RHS administers the following SFH Programs under 7 CFR parts 3550 
and 3555 authorized by section 502 of the Housing Act of 1949, as 
amended, (42 U.S.C. 1472):
    [ballot] Section 502 Direct Loan Program assists low- and very low-
income applicants who currently do not own adequate housing and cannot 
obtain other credit, the opportunity to acquire, build, rehabilitate, 
improve, or relocate dwellings in rural areas.
    [ballot] Section 502 Guaranteed Loan Program assists low- and 
moderate-income applicants the opportunity to acquire, build, 
rehabilitate, improve, or relocate dwellings in rural areas.

II. Discussion of Public Comments

    RHS published a proposed rule on August 16, 2023 (88 FR 55601) to 
amend the current regulations for the Single-Family Housing Direct and 
Guaranteed Programs found in 7 CFR part 3550 and 3555, respectfully. 
The Agency received comments from 35 respondents, including mortgage 
lenders, real estate agents, brokers, associations, and other 
interested parties. Specific public comments are addressed below:
    Public Comment: Twenty-seven respondents replied favorably to the 
proposed rule with some indicating that manufactured homes are 
affordable housing options for homebuyers, will assist in alleviating 
the nation's housing supply shortages in response to the growing demand 
for low-price housing, provide a better housing affordability option 
relative to site-built homes, and the improved quality and durability 
of these type homes has increased the chances of homeownership for 
lower-income families.
    Agency's Response: The Agency appreciates the commenters' support 
and has determined that no action is required.
    Public Comment: Three respondents expressed support of the proposed 
rule but suggested that the program be expanded to include all states 
and include manufactured homes built after June 15, 1976, to align with 
the requirements set forth by other agencies and government-sponsored 
enterprises such as, FHA, VA, Fannie Mae, and Freddie Mac.
    Agency's Response: The Agency acknowledges the recommendation and 
would like to note that the final rule will expand the program for 
financing of eligible existing manufactured housing to include all 
states. However, the consideration of year in which a manufactured home 
must be built to for eligibility takes into account the Manufactured 
Housing Improvement Act of 2000 which set forth Federal guidelines that 
all factory-built housing must meet and further amendments to the 
Federal Manufactured Home Construction and Safety Standards (FMHCSS). 
The January 1, 2006, construction on or after date was initially 
selected for the pilot period. This final rule changes the regulatory 
restrictions for the SFH Section 502 Direct Loan Program and the SFH 
Guaranteed Loan Program and allows the programs to lend on existing 
manufactured homes built in conformance with FMHCSS standards, on or 
after a date, as determined by the Agency, considering factors such as 
industry standards and practices.
    Public Comment: Two respondents expressed support for the proposed 
rule but suggested that the existing manufactured construction year 
date be expanded for homes built prior to 2006.
    Agency's Response: The Agency appreciates the commenters' 
responses. The January 1, 2006, construction on or after date was 
initially selected for the pilot period. This final rule revises the 
regulation to allow the programs to lend on existing manufactured homes 
built in conformance with FMHCSS standards, on or after a date, as 
determined by the Agency, with consideration of factors such as 
industry standards and practices. Existing manufactured homes financed 
through the section 502 Direct and Guaranteed programs cannot be built 
on or after a date as determined by the Agency, as identified on the 
HUD data plate, at the time of loan closing.
    Public Comment: One respondent expressed support of the proposal 
and provided additional responses to the questions posed in the 
proposed rule. The respondent wanted to know why USDA was restricting 
eligibility to those homes built on or after January 1, 2006, if VA and 
FHA allow for manufactured homes built on or after June 15, 1976.
    Agency's Response: The Agency acknowledges the recommendation. The 
January 1, 2006, construction on or after date was initially selected 
for the pilot period. This final rule revises the regulatory 
restrictions and allows the section 502 Direct and Guaranteed programs 
to lend on existing manufactured homes built in conformance with FMHCSS 
standards, on or after a date, as determined by the Agency, considering 
factors such as industry standards and practices.
    Public Comment: One respondent expressed support of the proposed 
rule but believed that the handbook should be updated to clarify that 
the home must meet HUD handbooks and needs to be on piers and strapped 
down in accordance with HUD Standards for foundations which would be 
consistent with FHA guidelines.
    Agency's Response: The Agency acknowledges the recommendation. RHS 
will require all existing manufactured homes to have been constructed 
and placed on a permanent foundation in accordance with 7 CFR part 
1924, subpart A, exhibit J, as applicable to the Direct Program, and 
the FMHCSS, established by HUD and found in 24 CFR part 3280 for both 
Direct and Guaranteed programs.
    Public Comment: One respondent replied with concerns of the 
proposal and believed that although there is a need for affordable 
housing, adding manufactured homes as an asset class would reduce the 
opportunity for families to build generational wealth and increase 
government risk due average life expectancy of a manufactured home.

[[Page 201]]

    Agency's Response: The Agency appreciates the commenter's response. 
The regulatory requirement in 7 CFR 3550.67, applicable to the 502 
Direct loan program, requires that the remaining economic life of the 
property based on the appraisal must meet or exceed the loan term. For 
both the Direct and Guaranteed programs, the maximum term for financing 
manufactured housing cannot exceed 30 years. Once rulemaking is final, 
RHS will continue to require that existing manufactured homes be built 
in conformance with the Manufactured Housing Act of 2000 and FMHCSS, 
which require higher construction standards such as quality building 
materials, structural design provisions, and installation improvements, 
thus increasing the life expectancy and value.

Summary of Changes to Rule

    This final rule will amend these program regulations to implement 
changes to permit the purchase of existing manufactured homes 
[(Sec. Sec.  3550.52(e)(1), 3550.73(b)(1), 3555.208(a)(3), 
3555.208(b)(3), and 3555.208(e)], allow the Agency to accept a lease 
with an unexpired term that is at least two years longer than the loan 
term for new energy efficient manufactured and modular home financing 
in land-lease communities operating on a nonprofit basis and Tribal 
lands [Sec. Sec.  3550.58(b) and 3555.203(b)(3)], and amend the 
definition of a ``New dwelling'' for a manufactured home (Sec.  
3555.10). For direct loans only, remove the administrative requirements 
from the regulations for review and approval of applications from 
manufactured housing dealers [Sec.  3550.73(c)] and revise the 
definition of ``Manufactured home'' to remove reference to RHS thermal 
performance standards (Sec.  3550.10).
    This final rule will implement the changes as published in the 
proposed rule (88 FR 55601; August 16, 2023). The requirements of the 
proposed rule for 7 CFR parts 3550 and 3555 as follows:
    Update the definition of manufactured home under Sec.  3550.10, by 
removing reference to ``RHS Thermal Performance Standards'' for 502 
Direct loans. SFH is exempt from RHS Thermal Performance Standards 
compliance.
    1. Remove paragraph (c) from Sec.  3550.73 which requires Agency 
approval of manufactured housing dealers for Direct loans;
    2. Update the definition of a new dwelling for a manufactured home 
under Sec.  3555.10, by removing reference to ``purchase contract'' and 
replacing the text with ``date of loan closing'' for 502 Guaranteed 
loans.
    3. Update Sec. Sec.  3550.52(e)(1), 3550.73(b)(1), add new 
paragraph (a)(3) to Sec.  3555.208, update Sec. Sec.  3555.208(b)(3) 
and 3555.208(e) to clarify that borrowers are allowed, under the Direct 
and Guaranteed loan programs, to purchase existing manufactured homes 
constructed in conformance with FMHCSS, on or after a date, as 
determined by the Agency.
    4. Update Sec. Sec.  3550.58(b) and 3555.203(b)(3) so that, for the 
direct and guaranteed loan programs, the Agency will accept a land-
lease with an unexpired term that is at least two years longer than the 
mortgage term for new energy efficient manufactured and modular home 
financing in Tribal and land-lease communities operating on a nonprofit 
basis.

IV. Regulatory Information

Statutory Authority

    Section 510(k) of title V the Housing Act of 1949 [42 U.S.C. 
1480(k)], as amended, authorizes the Secretary of the Department of 
Agriculture to promulgate rules and regulations as deemed necessary to 
carry out the purpose of that title; and implemented under 7 CFR parts 
3550 and 3555.

Executive Order 12372, Intergovernmental Review of Federal Programs

    These programs are not subject to the requirements of Executive 
Order 12372, ``Intergovernmental Review of Federal Programs,'' as 
implemented under the USDA's regulations at 2 CFR part 415, subpart C.

Executive Order 12866 and 13563

    Executive Orders 12866 (Regulatory Planning and Review) and 13563 
(Improving Regulation and Regulatory Review) direct agencies to assess 
the costs and benefits of available regulatory alternatives and, if a 
regulation is necessary, to select regulatory approaches that maximize 
net benefits (including potential economic, environmental, public 
health and safety effects, distributive impacts, and equity). Executive 
Order 13563 emphasizes the importance of quantifying both costs and 
benefits, of reducing costs, of harmonizing rules, and promoting 
flexibility. This final rule has been determined to be non-significant 
and, therefore, was not reviewed by the Office of Management and Budget 
(OMB) under Executive Order 12866.

Executive Order 12988, Civil Justice Reform

    This final rule has been reviewed under Executive Order 12988. In 
accordance with this rule: unless otherwise specifically provided, all 
State and local laws that conflict with this rule will be preempted; no 
retroactive effect will be given to this rule except as specifically 
prescribed in the rule; and administrative proceedings of the National 
Appeals Division of the Department of Agriculture (7 CFR part 11) must 
be exhausted before suing in court that challenges action taken under 
this rule.

Executive Order 13132, Federalism

    The policies contained in this final rule do not have any 
substantial direct effect on States, on the relationship between the 
National Government and the States, or on the distribution of power and 
responsibilities among the various levels of government. This rule does 
not impose substantial direct compliance costs on state and local 
governments; therefore, consultation with States is not required.

Executive Order 13175, Consultation and Coordination With Indian Tribal 
Governments

    This Executive order imposes requirements on RHS in the development 
of regulatory policies that have tribal implications or preempt tribal 
laws. RHS has determined that this final rule does not have a 
substantial direct effect on one or more Indian tribe(s) or on either 
the relationship or the distribution of powers and responsibilities 
between the Federal Government and Indian tribes. Thus, this rule is 
not subject to the requirements of Executive Order 13175. If tribal 
leaders are interested in consulting with RHS on this rule, they are 
encouraged to contact USDA's Office of Tribal Relations or RD's Tribal 
Coordinator at: [email protected] to request such a consultation.

Unfunded Mandates Reform Act (UMRA)

    Title II of the UMRA, Public Law 104-4, establishes requirements 
for Federal agencies to assess the effects of their regulatory actions 
on State, local, and Tribal Governments and on the private sector. 
Under section 202 of the UMRA, the Agency generally must prepare a 
written statement, including cost-benefit analysis, for proposed and 
final rules with ``Federal mandates'' that may result in expenditures 
to State, local, or Tribal Governments, in the aggregate, or to the 
private sector, of $100 million or more in any one year. When such a

[[Page 202]]

statement is needed for a rule, section 205 of the UMRA generally 
requires the Agency to identify and consider a reasonable number of 
regulatory alternatives and adopt the least costly, more cost-
effective, or least burdensome alternative that achieves the objectives 
of the rule.
    This final rule contains no Federal mandates (under the regulatory 
provisions of title II of the UMRA) for state, local, and tribal 
Governments or for the private sector. Therefore, this rule is not 
subject to the requirements of sections 202 and 205 of the UMRA.

National Environmental Policy Act

    In accordance with the National Environmental Policy Act of 1969, 
Public Law 91-190, this document has been reviewed in accordance with 7 
CFR part 1970 (``Environmental Policies and Procedures''). The Agency 
has determined that: This action meets the criteria established in 7 
CFR 1970.53(f); no extraordinary circumstances exist; and the action is 
not ``connected'' to other actions with potentially significant 
impacts, is not considered a ``cumulative action'' and is not precluded 
by 40 CFR 1506.1. Therefore, the Agency has determined that the action 
does not have a significant effect on the human environment, and 
therefore neither an Environmental Assessment nor an Environmental 
Impact Statement is required.

Administrative Pay-As-You-Go Act of 2023

    The Administrative Pay-As-You-Go Act of 2023 (Act) (see Fiscal 
Responsibility Act of 2023, Pub. L. 118-5, 137 Stat. 31, div. B, title 
III), requires the U.S. Government Accountability Office (GAO) to 
assess agency compliance with the Act, which establishes requirements 
for administrative actions that affect direct spending, in GAO's major 
rule reports.

Regulatory Flexibility Act

    This final rule has been reviewed with regard to the requirements 
of the Regulatory Flexibility Act (5 U.S.C. 601-612). The undersigned 
has determined and certified by signature on this document that this 
proposed rule will not have a significant economic impact on a 
substantial number of small entities since this rulemaking action does 
not involve a new or expanded program nor does it require any more 
action on the part of a small business than required of a large entity.

Civil Rights Impact Analysis

    Rural Development has reviewed this final rule in accordance with 
USDA Regulation 4300-004, Civil Rights Impact Analysis,'' to identify 
any major civil rights impacts the proposed rule might have on program 
participants on the basis of age, race, color, national origin, sex, 
disability, marital or familial status. After review and analysis of 
the final rule and available data, it has been determined that 
implementation of the final rule will not adversely or 
disproportionately impact very low-, low- and moderate-income 
populations, minority populations, women, Indian Tribes, or persons 
with disability by virtue of their race, color, national origin, sex, 
age, disability, or marital or familial status. No major civil rights 
impact is likely to result from this final rule.

Programs Affected

    The programs affected by this regulation are listed in the 
Assistance Listing Catalog under number 10.410, Very Low to Moderate 
Income Housing Loans (section 502 Rural Housing Loans), and number 
10.417, Very Low-Income Housing Repair Loans and Grants (specifically 
the section 504 direct loans and grants).

Paperwork Reduction Act

    This final rule contains no new reporting or recordkeeping burden 
under OMB Control Number 0575-0172 that would require approval under 
the Paperwork Reduction Act of 1995 (44 U.S.C. chapter 35).

E-Government Act Compliance

    RHS is committed to complying with the E-Government Act by 
promoting the use of the internet and other information technologies to 
provide increased opportunities for citizen access to Government 
information, services, and other purposes.

Non-Discrimination Policy

    In accordance with Federal civil rights laws and U.S. Department of 
Agriculture (USDA) civil rights regulations and policies, the USDA, its 
Mission Areas, agencies, staff offices, employees, and institutions 
participating in or administering USDA programs are prohibited from 
discriminating based on race, color, national origin, religion, sex, 
gender identity (including gender expression), sexual orientation, 
disability, age, marital status, family/parental status, income derived 
from a public assistance program, political beliefs, or reprisal or 
retaliation for prior civil rights activity, in any program or activity 
conducted or funded by USDA (not all bases apply to all programs). 
Remedies and complaint filing deadlines vary by program or incident.
    Program information may be made available in languages other than 
English. Persons with disabilities who require alternative means of 
communication to obtain program information (e.g., Braille, large 
print, audiotape, American Sign Language) should contact the 
responsible Mission Area, agency, staff office; or the Federal Relay 
Service at (800) 877-8339.
    To file a program discrimination complaint, a complainant should 
complete a Form AD-3027, USDA Program Discrimination Complaint Form, 
which can be obtained online at https://www.usda.gov/sites/default/files/documents/ad-3027.pdf, from any USDA office, by calling (866) 
632-9992, or by writing a letter addressed to USDA. The letter must 
contain the complainant's name, address, telephone number, and a 
written description of the alleged discriminatory action in sufficient 
detail to inform the Assistant Secretary for Civil Rights (ASCR) about 
the nature and date of an alleged civil rights violation. The completed 
AD-3027 form or letter must be submitted to USDA by:

1. Mail: U.S. Department of Agriculture, Office of the Assistant 
Secretary for Civil Rights, 1400 Independence Avenue SW, Washington, DC 
20250-9410; or

    2. Fax: (833) 256-1665 or (202) 690-7442; or
    3. Email: [email protected].
    USDA is an equal opportunity provider, employer, and lender.

List of Subjects

7 CFR Part 3550

    Administrative practice and procedure, Environmental impact 
statements, Fair housing, Grant programs--housing and community 
development, Housing, Loan programs-housing and community development, 
low- and moderate-income housing, Reporting and recordkeeping 
requirements, Rural areas.

7 CFR Part 3555

    Administrative practice and procedure, Business and industry, 
Conflicts of interest, Credit, Environmental impact statements, Fair 
housing, Flood insurance, Grant programs--housing and community 
development, home improvement, Housing, Loan programs--housing and 
community development, low and moderate-income housing, Manufactured 
homes, Mortgages,

[[Page 203]]

Reporting and recordkeeping requirements, Rural areas.
    For the reasons discussed in the preamble, the Agency is amending 7 
CFR parts 3550 and 3555 as follows:

PART 3550--DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS

0
1. The authority citation for part 3550 continues to read as follows:

    Authority:  5 U.S.C. 301; 42 U.S.C. 1480.

Subpart A--General

0
2. Amend Sec.  3550.10 by revising the first sentence of the 
Manufactured home definition to read as follows:

Sec.  3550.10   Definitions.

* * * * *
    Manufactured home. A structure that is built to Federal 
Manufactured Home Construction and Safety Standards established by HUD 
and found at 24 CFR part 3280. * * *
* * * * *

Subpart B--Section 502 Origination

0
3. Amend Sec.  3550.52 by revising paragraph (e)(1) to read as follows:

Sec.  3550.52   Loan purposes.

* * * * *
    (e) * * *
    (1) Purchase an existing manufactured home (unless the unit was 
constructed in conformance with Federal Manufactured Home Construction 
and Safety Standards (FMHCSS) as evidenced by both an affixed HUD 
Certification label and HUD Data Plate on or after a date determined by 
the Agency, considering factors such as industry standards and 
practices; and has not been previously installed on a different 
homesite or had any alterations since construction in the factory 
(except for porches, decks or other structures which were built to 
engineered designs or were approved and inspected by local code 
officials), or for any other purposes prohibited in Sec.  3550.73(b).
* * * * *

0
4. Amend Sec.  3550.58 by adding a sentence to the end of paragraph (b) 
to read as follows:

Sec.  3550.58   Ownership requirements.

* * * * *
    (b) * * * For new energy efficient manufactured and modular home 
financing in land-lease communities operating on a nonprofit basis, and 
on Tribal Trust land, individual (allotted) Trust land, or Tribal 
restricted fee land, the Agency will accept a lease with an unexpired 
term that is at least 2 years longer than the loan term.
* * * * *

0
5. Amend Sec.  3550.73 by:
0
a. Revising paragraph (b)(1); and
0
b. Removing paragraph (c) and redesignating paragraphs (d) through (h) 
as paragraphs (c) through (g), respectively.
    The revision reads as follows:

Sec.  3550.73   Manufactured homes.

* * * * *
    (b) * * *
    (1) An existing unit and site unless it is already financed with a 
section 502 loan; or is an RHS REO property; or the unit was 
constructed in conformance with FMHCSS standards as evidenced by both 
an affixed HUD Certification label and a HUD Data Plate on or after 
date determined by the Agency, is installed on a permanent foundation 
which meets HUD regulations and 7 CFR part 1924, subpart A, exhibit J, 
and has not been previously installed on a different homesite or had 
any alterations since construction in the factory, except as specified 
in the program handbook.
* * * * *

PART 3555--GUARANTEED RURAL HOUSING PROGRAM

0
6. The authority citation for part 3555 continues read as follows:

    Authority:  5 U.S.C. 301; 42 U.S.C. 1471 et seq.

Subpart A--General

0
7. Amend Sec.  3555.10 by revising the second sentence of the 
definition of New dwelling to read as follows:

Sec.  3555.10   Definitions and abbreviations.

* * * * *
    New dwelling. * * * A manufactured home is considered a new unit if 
the manufacturer's date is within 12 months from the date of loan 
closing and the unit has never been occupied or installed at any other 
location as otherwise provided by Rural Development.
* * * * *

Subpart E--Underwriting the Property

0
8. Amend Sec.  3555.203 by revising paragraph (b)(3) to read as 
follows:

Sec.  3555.203   Ownership requirements.

* * * * *
    (b) * * *
    (3) The lease has an unexpired term of at least 45 years from the 
date of loan closing, except in the case of properties located on 
Tribal Trust land, individual (allotted) Trust land, or Tribal 
restricted fee land, where the lease must have an unexpired term at 
least equal to the term of the loan. Leases on Tribal Trust land, 
individual Trust (allotted) land, or Tribal restricted fee land, for 
period of 25 years which are renewable for a second 25 year period are 
permissible, as are leases of a longer duration. For new energy 
efficient manufactured and modular home financing in land-lease 
communities operating on a nonprofit basis and on Tribal Trust land, 
the Agency will accept a lease with an unexpired term that is at least 
two years longer than the loan term;
* * * * *

0
9. Amend Sec.  3555.208 by:
0
a. Adding paragraph (a)(3);
0
b. Revising paragraphs (b)(3)(iii) and (iv); and
0
c. Revising paragraph (e).
    The addition and revisions read as follows:

Sec.  3555.208   Special requirements for manufactured homes.

* * * * *
    (a) * * *
    (3) An existing unit and site, provided:
    (i) The unit was constructed in conformance with the Federal 
Manufactured Home Construction and Safety Standards (FMHCSS) as 
evidenced by both an affixed HUD Certification label and HUD Data 
Plate; and
    (ii) The unit was installed on a permanent foundation in accordance 
with the manufacturer's requirements and HUD installation standards. 
Certification of a proper foundation is required; and
    (iii) The unit has not been previously installed on a different 
homesite, or had any alterations since construction in the factory, 
except for porches, decks or other structures which were built to 
engineered designs or were approved and inspected by local code 
officials; and
    (iv) The unit was constructed on or after a date determined by the 
Agency.
    (b) * * *
    (3) * * *
    (iii) The unit and site are being sold from the lender's inventory, 
and the loan for which the unit and site served as security was a loan 
guaranteed by Rural Development; or
    (iv) The existing manufactured home meets all of the following 
requirements:
    (A) The unit was constructed in conformance with the Federal 
Manufactured Home Construction and Safety Standards (FMHCSS) as 
evidenced by an affixed HUD Certification label and HUD Data Plate;

[[Page 204]]

    (B) The unit was installed on a permanent foundation complying with 
manufacturer and HUD installation standards. The foundation design 
meets HUD standards for manufactured housing;
    (C) The unit has not had any alterations or modifications since 
construction in the factory, except for porches, decks or other 
structures which were built to engineered designs or were approved and 
inspected by local code officials; and
    (D) The unit was constructed on or after a date determined by the 
Agency.
* * * * *
    (e) HUD requirements. The FMHCSS and HUD requirements may be found 
in 24 CFR part 3280.
* * * * *

Yvonne Hsu,
Acting Administrator, Rural Housing Service.
[FR Doc. 2024-30270 Filed 1-2-25; 8:45 am]
BILLING CODE 3410-XV-P
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