One provision, eleven months
Every state must certify by 11 July 2027 that its own law treats a manufactured home built without a permanent chassis identically — financing, title, insurance and taxes named expressly. A state that misses the date must prohibit the home.
Those four words are the layer the 1974 Act left to fifty states, and this is the first time federal law has put a date on them. This page is the ledger: what is owed, by whom, by when, and what has actually been published. It is not a forecast and it keeps no score.
Read 17 August 2026 · nothing on this page is a prediction · every claim carries a register row
Two obligations carry statutory dates and both belong to the states. Every obligation that belongs to a federal agency carries no date at all — which is the asymmetry the argument turns on, not a gap in this table.
| Obligation | Whose | By when | Read 17 August 2026 | Rows |
|---|---|---|---|---|
| Certify that state law treats a chassis-free home identically — financing, title, insurance, manufacture, sale, taxes, transportation, installation | Each state | 11 July 2027 | none published | E-197 |
| The same certification, where the legislature meets biennially | Each state | 11 July 2028 | none published | E-197 |
| Recertify annually that new law has not broken the certification | Each state | annual, date set by the Secretary | no date set | E-197 |
| Prohibit the manufacture, installation or sale of a chassis-free home, on failure to certify | Each state | on the missed deadline | not triggered | E-198 |
| Publish and maintain the list of states that are up to date | HUD | not stated | not published | E-197 |
| Issue revised construction standards for a home built without a permanent chassis, through the consensus committee | HUD | no date in the statute | not proposed | E-201 |
| Establish the distinct label, data plate and invoice notation | HUD | no date in the statute | not proposed | E-202 |
| Amend a selling guide that still requires a permanent chassis | Fannie Mae, Freddie Mac | not required to | unamended | E-204 |
| State how a chassis-free home is insured or purchased | FHA | not required to | "under evaluation" | E-205 |
Why there is no list of states here. The obvious version of this page has fifty rows. Which legislatures meet biennially — and so have until 2028 — is a claim, and this project has not opened a source for it. So the two deadlines are stated and not one state is allocated to either. When the Secretary publishes the list the statute requires, this table gains a column and that row stops being empty.
E-200
A state can satisfy the certification by extending the definition it already has, or by defaulting the chassis-free home to real property. Both certify. Only one changes how the house is financed, and nothing on this page predicts which a legislature will reach for.
Add the chassis-free home to the definition already in state law. The statute names this route itself — an attestation that the state has amended "the definition of 'manufactured home' in the laws and regulations of the State". Fast, free, and where that definition sits in a titling statute, it re-enacts the classification.
E-199
Certify parity by making the chassis-free home real property on installation. Most states already have the machinery — three-quarters have written a conversion statute, which is a procedure for doing once what a definition could do by default.
E-120
The measurement that settles it is not how many states certify, which will be most of them. It is how each one does, and nobody is recording that.
Whether a chassis-free home can be financed at all is open, and it is not a research question — it is a question four named institutions could each answer in a paragraph. Both Enterprise guides still define an eligible manufactured home as one built on a permanent chassis, and the statute requires the new home to carry a label that is expressly different from the one those guides recognise.
E-202E-204E-205E-206
The one thing already settled is narrower than this site used to claim: for a home certified to the Enterprises' design standards, site-built comparable sales are already required rather than merely permitted. That is a wider comparable pool, not valuation by type — the distinction correction C-050 exists to keep.
E-207
No model certification language has been published by anyone, and HUD's authority to issue model guidance has not been exercised. So there is a draft here — a state act that certifies parity by classifying the permanently installed home as real property, chassis or no chassis, rather than by extending a definition that sits in a titling statute.
It has not been reviewed by counsel in any state, and its central reading is the thing most likely to be wrong. Parity requires the chassis-free home to be subject to the same law as the chassis home — so a state that moved only the chassis-free home to real property may have failed the certification it was making. That is why the draft moves both, which is a much larger bill. If parity is read narrowly instead, the draft is bigger than it needs to be, and that reading would be the better news.
Read the draft — HAP-13 Rev 0.1, markdown
E-197E-199E-120