Manufactured housing professionals have likely seen one or more of the headlines (see below) and may have heard the buzz about the latest Consumer Financial Protection Bureau (CFPB) enforcement action taken on January 6, 2025 against Clayton Homes’s captive lender, Vanderbilt Mortgage and Finance (VMF). But what thousands of professionals may or may not have seen or considered are the Paul Harvey-esque stories behind the story. Vanderbilt apparently knew this was coming, which means that Clayton Homes knew it was coming. Warren Buffett himself may have known this was coming at Berkshire Hathaway’s office in Omaha, Nebraska. Berkshire Hathaway (BRK) owns Clayton Homes, Vanderbilt Mortgage and Finance (VMF), 21st Mortgage Corporation outright. If Berkshire-backed brands knew, it is possible that they advised the Manufactured Housing Institute (MHI). But even if Clayton clan kept MHI in the dark, what is apparent from the home page and news landing pages of the MHI website is this. As …
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