HOUSING AND URBAN DEVELOPMENT

ACT OF 1972

HEARINGS

BEFORE THE

COMMITTEE ON BANKING AND CURRENCY

HOUSE OF REPRESENTATIVES

NINETY-SECOND CONGRESS

SECOND SESSION

ON

LEGISLATION TO CONSOLIDATE, SIMPLIFY, AND IMPROVE
LAWS RELATING TO HOUSING AND URBAN DEVELOPMENT
ACTIVITIES, AND FOR OTHER PURPOSES

79-555 O

JUNE 8, 9, 12, AND 13, 1972

Printed for the use of the
Committee on Banking and Currency

U.S. GOVERNMENT PRINTING OFFICE

WASHINGTON: 1972

COMMITTEE ON BANKING AND CURRENCY

WRIGHT PATMAN, Texas, Chairman

PAUL NELSON, Clerk and Staff Director
CURTIS A. PRINS, Chief Investigator
BENET D. GELLMAN, Counsel
JOSEPH C. LEWIS, Professional Staff Member
STUART D. HALPERT, Counsel

ORMAN S. FINK, Minority Staff Member

Abourezk, Hon. James, a Representative in Congress from the State of
South Dakota..

Cochran, Clay L., executive director, Rural Housing Alliance; accom-
panied by George Rucker and Philip Brown...

Brady, George M., Jr., president, National Corporation for Housing
Partnerships

Dolbeare, Miss Cushing N., on behalf of Americans for Democratic Action-
Edson, Charles, member, American Bar Association Special Committee
on Residential Real Estate Transactions _ _

459

399

579

568

468

Frey, Hon. Louis, Jr., a Representative in Congress from the State of
Florida..

364

Gunther, John, executive director, U.S. Conference of Mayors and the
National League of Cities...

533

Hinds, E. G., executive director, Urban Renewal and Community Development Agency, Frankfort, Ky...

Jackson, Philip C., Jr., president, Mortgage Bankers Association; accom-
panied by Lee B. Holmes, legislative counsel, and Dr. Oliver Jones,
executive vice president..

Keith, Nathaniel S., president, National Housing Conference..
McCrudden, Carmel, chairman, Homeowners of Philadelphia-
Millman, Richard M., counsel for Housing to the National Council of
Senior Citizens; accompanied by Frank Zelenka of American Association
of Homes for the Aged, and Laurence Lane of the American Association
of Retired Persons..

Nangle, John J., Washington counsel for the National Association of
Independent Insurers..

Pickle, Hon. J. J., a Representative in Congress from the State of Texas..
Pollard, Joseph M., legislative consultant, on behalf of the county of
Los Angeles; accompanied by John Murphy, legislative representative,
National Association of Counties. -

Purcell, Francis, presiding supervisor of the township of Hempstead,
Nassau County, Long Island, N.Y..

Ratagick, Marie, on behalf of the National Welfare Rights Organization;
accompanied by Stephen Altman, legal intern..

Roessner, G. G., president, City Federal Savings & Loan Association,
Elizabeth, N.J., on behalf of the National League of Insured Savings
Associations..

Romney, Hon. George, Secretary of Housing and Urban Development;
accompanied by Nathaniel Eiseman, budget officer; Norman Watson,
Assistant Secretary for Housing Management; David Maxwell, general
counsel; Eugene Gulledge, Assistant Secretary for Housing Production
and Mortgage Credit and FHA Commissioner; and George K. Bernstein,
Administrator of the Office of Interstate Land Sales and Administrator
of the Federal Insurance Administration...........

Schmidt, James G., on behalf of the American Land Title Association..

571

284

425

508

393

433

445

430

501

563

290

612

574

Spellman, Gladys N., member, County Council of Prince Georges County and first vice president, National Association of Counties; accompanied by Joseph M. Pollard, legislative consultant for Los Angeles County; and John C. Murphy, legislative representative, National Association of Counties

Swertfeger, Jack member, executive committee of the State Bar of Georgia; accompanied by Paul Stickler, president, Florida Lawyers Title Guaranty Fund; Fletcher Rush, general counsel and former trustee of the Florida Lawyers Title Guaranty Fund; Stanley Balbach, chairman of the Illinois Fund and president of the National Fund; and Earnest Ramsey of Georgia, chairman of the Real Property Law Section of the State Bar....

Walsh, Albert A., president National Association of Housing and Re-
development Officials.

Waranch, Stanley, president, National Association of Homebuilders;
accompanied by Carl A. S. Coan, Jr., staff vice president and legislative
counsel; and Burton Wood, deputy legislative counsel -
Wylie, Rose, national chairwoman, National Tenant's Organization,
Inc

Zeiser, Hon. Bruce, Member of the Massachusetts State House of Repre-
sentatives on behalf of the New England Land Title Association
(NELTA)____

ADDITIONAL INFORMATION SUBMITTED FOR THE RECORD Abourezk, Hon. James:

Page

384

473

539

272

558

306

Prepared statement.

460

Suggested amendments to title V of the Housing Act of 1949 (as amended)

461

American Land Title Association, statement on behalf by James G.
Schmidt, member of the executive committee..

574

Americans for Democratic Action, statement on behalf of Miss Cushing N.
Dolbeare, member of the National Executive Committee.

568

Bernstein, George K., Administrator, Federal Insurance Administration,
HUD, response to questions of:

Suggested amendments to title V of the Housing Act of 1949 with comments by Farmers Home Administration and rebuttal from National Rural Housing Coalition_..

402

Response to question of Hon. William P. Curlin, Jr..

420

County of Los Angeles, Calif., statement on behalf by Joseph M. Pollard, legislative consultant..

430

DuVal, Dr. Merlin K., Assistant Secretary for Health and Scientific Affairs,
Department of Health, Education, and Welfare, statement on the
Lead-Based Paint Poisoning Prevention Act..

619

Edson, Charles L.:

Prepared statement_

471

Resolution adopted by board of governors of the American Bar
Association, May 19, 1972...

472

Frey, Hon. Louis, Jr.:

Prepared statement_

367

Attached exhibits:

A. Shipment of new mobile homes to dealers, 1966-70
(table)..

372

B. States recognizing ANSI Standard A119.1 for mobile
homes as of December 1971 (illustration)_.

373

C. Statistics on mobile home fires by the State Fire Marshall,
State of Oregon.

374

D. Percentage analysis of fires by known cause, country-
wide 1966-71, comparison_-

376

E. Illustrations showing faulty construction that caused
mobile home fires...

377