During public comment and discussion the board heard multiple examples of homeowners paying large upfront or mid‑project sums for manufactured homes or ADUs that are built offsite and delivered months or years later. Commenters said progress-payment schedules sometimes trigger automatic draws while the buyer cannot see on-site progress, increasing the risk of loss if contractors do not complete work.

Why it matters: Consumers who finance factory-built units or ADUs may be paying lenders while the product sits offsite or utility connections remain delayed, leaving them without use of the dwelling and little leverage to compel completion. Board members and commenters urged more consumer guidance and cross-agency coordination (building officials, utilities) to address inspection and connection delays.

Discussion points: speakers noted banks commonly disburse funds based on staged certificates, but off-site construction complicates visual verification; CSLB staff said other agencies enforce manufactured housing standards and CSLB’s jurisdiction is limited to elements of connection and contractor licensing. Members suggested posting clearer website guidance and exploring interagency outreach.

Next steps: staff will consider targeted consumer-facing materials about progress payments, clarifying what homeowners should require in contracts and where to seek inspection and utility-connection guidance.