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HB 435

Manufactured Homes; certificate of title for 1999 models and earlier, Alabama Department of Revenue authorized to issue titles upon request

2026 Regular Session Introduced by Cindy Myrex

Alabama authorizes the Department of Revenue to issue manufactured home titles for pre-1999 models upon request, enabling ownership documentation and sale of older properties.

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Bill Summary · HB 435

Legislative bill overview

HB 435 authorizes the Alabama Department of Revenue to issue certificates of title for manufactured homes built in 1999 or earlier upon request. This addresses a gap for older manufactured homes that may lack proper title documentation due to age, ownership transfers, or administrative oversights that occurred before modern titling systems were standardized.

Why is this important

Manufactured homes without proper titles face significant barriers: owners cannot legally sell them, refinance mortgages, establish clear ownership in disputes, or transfer them to heirs. This bill removes a technical barrier that could affect thousands of older home owners across Alabama, particularly lower-income residents who disproportionately own manufactured housing.

Potential points of contention

  • Fraud concerns: Without stricter documentation requirements, issuing titles for decades-old homes could facilitate title jumping, stolen property sales, or obscuring liens and encumbrances on properties
  • Administrative burden: The bill doesn't specify what evidence the Department of Revenue must require to verify legitimate ownership, potentially creating inconsistent application or overwhelming the agency with requests
  • Lender implications: Financial institutions holding mortgages or liens on these older homes may face complications if new titles are issued without proper lien notation procedures

Compiled from official sources — confirm details with the bill’s official record.

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