Manufactured housing is defined by the National Manufactured Home Construction and
Safety Standards Act (42 USC 5402(6)) as:
“A structure, transportable in one or more sections, that in traveling mode measures at least
eight feet by forty feet, or when erected is at least 320 square feet, and that is built on a
permanent chassis and designed to be used as a dwelling with or without a permanent
foundation when connected to the required utilities, and includes the plumbing, heating,
air-conditioning, and electrical systems contained therein.”
For QTL purposes, as defined in 12 CFR 141, residential housing includes residential real
estate and dwelling units. Section 141.23 defines residential real estate (or residential real
• Homes (including condominiums and cooperatives).
• Combinations of homes and business property.
• Other real estate used primarily for residential purposes other than a home (but which
may include homes).
• Combinations of such real estate and business property involving only minor business
• Farm residences and combinations of farm residences and commercial farm real estate.
• Property to be improved by the construction of such structures.
• Leasehold interests in the above real estate.
Section 141.10 defines dwelling unit as: “The unified combination of rooms designed for
residential use by one family, other than a single-family dwelling.”