Lending Legislation. The Dodd-Frank Act Significant changes for Retailers in 2014 The U.S. Congress in Washington passed the Dodd-Frank Act in 2010. This massive new law is causing major changes related to the way financing is done in pretty much every industry. The new Consumer Financial Protection Bureau (CFPB) has now finalized their rules on what the law actually means. For manufactured home retailers, the Dodd-Frank Act and resulting CFPB rules are going to result in some changes of our industry’s business model. Primarily, the new changes are going to restrict the interaction retailers can have with a customer about financing. The new rules are effective January 1, 2014.