SEC. 8. REVISION OF UNDERWRITING CRITERIA. 
(a) IN GENERAL.—Subsection (b) of section 2 of the 
National Housing Act (12 U.S.C. 1703(b)), as amended by 
the preceding provisions of this Act, is further amended by 
adding at the end the following new paragraph: 
‘‘(10) FINANCIAL SOUNDNESS OF MANUFACTURED 
HOUSING
PROGRAM.—The Secretary shall establish 
such underwriting criteria for loans and advances of 
credit in connection with a manufactured home or a 
lot on which to place a manufactured home (or both), 
including such loans and advances represented by ob-
ligations purchased by financial institutions, as may 
be necessary to ensure that the program under this 
title for insurance for financial institutions against 
losses from such loans, advances of credit, and pur-
chases is financially sound.’’. 
(b) TIMING.—Not later than the expiration of the 6- 
month period beginning on the date of the enactment of this 
Act, the Secretary of Housing and Urban Development shall 
revise the existing underwriting criteria for the program 
referred to in paragraph (10) of section 2(b) of the National 
Housing Act (as added by subsection (a) of this section) 
in accordance with the requirements of such paragraph. 
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SEC. 9. REQUIREMENT OF SOCIAL SECURITY ACCOUNT 
NUMBER FOR ASSISTANCE. 
Section 2 of the National Housing Act (12 U.S.C. 
1703) is amended by adding at the end the following new 
subsection: 
‘‘(j) REQUIREMENT OF SOCIAL SECURITY ACCOUNT 
NUMBER FOR FINANCING.—No insurance shall be granted 
under this section with respect to any obligation rep-
resenting any loan, advance of credit, or purchase by a fi-
nancial institution unless the borrower to which the loan 
or advance of credit was made, and each member of the 
family of the borrower who is 18 years of age or older or 
is the spouse of the borrower, has a valid social security 
number.’’. 
SEC. 10. GAO STUDY OF MITIGATION OF TORNADO RISKS 
TO MANUFACTURED HOMES. 
The Comptroller General of the United States shall as-
sess how the Secretary of Housing and Urban Development 
utilizes the FHA manufactured housing loan insurance pro-
gram under title I of the National Housing Act, the commu-
nity development block grant program under title I of the 
Housing and Community Development Act of 1974, and 
other programs and resources available to the Secretary to 
mitigate the risks to manufactured housing residents and 
communities resulting from tornados. The Comptroller Gen-
eral shall submit to the Congress a report on the conclusions 
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and recommendations of the assessment conducted pursuant 
to this section not later than the expiration of the 12-month 
period beginning on the date of the enactment of this Act. 
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Union Calendar No. 125 
110TH CONGRESS 
1ST SESSION 
H. R. 2139 
[Report No. 110–206] 
A BILL 
To modernize the manufactured housing loan insur-
ance program under title I of the National Hous-
ing Act. 
JUNE 21, 2007 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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