Appraisals

An appraisal is an unbiased estimate of a home's true or fair market value. Challenges for banks include appraisal availability and a shrinking talent pool, and long-term changes will be required to address these and more fundamental problems with the current appraisal environment.

Banks report that the limited number of qualified appraisers willing to accept assignments in many of their markets poses challenges to the appraisal process--even when the bank is willing to pay a premium for the assignment.

News

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Fannie Mae, Freddie Mac push back reconsideration of value application deadline
August 07, 2024
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Federal agencies finalize rule on automated valuation models
July 17, 2024
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OCC, FDIC adopt final rule on automated valuation models
June 21, 2024
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Banking, housing agencies adopt final rule on automated valuation models
June 21, 2024

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Promoting Homeownership Opportunities for All

ABA and its member banks believe everyone in this country should have the chance to own a home. Working with a range of stakeholders, ABA supports a number of specific policy changes that could remove some of the barriers standing in the way, especially in underserved communities.

See ABA's efforts

Related Training & Events

Appraisal Procedures
Self-Paced Training
Reviewing the Uniform Residential Appraisal Report
Self-Paced Training
Appraisals: FIRREA and Interagency Guidelines
Self-Paced Training
Appraisals: Reg Z Requirements
Self-Paced Training

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2018 Commercial Real Estate Survey Report

This survey provides an unbiased yearly snapshot of industry activity and bankers' responses to market, regulatory, and other developments.

Read the Report

ABA Resources

Report
2018 Commercial Real Estate Survey Report
July 29, 2018

Policy Analysis & Advocacy Efforts

Comment Letter
ABA Letter to CFPB on Mortgage Fees RFI
August 2, 2024
Comment Letter
Joint Comments to CFPB on Mortgage Fees RFI
August 1, 2024
Staff Analysis
Final Guidance on Reconsiderations of Value
July 29, 2024
Staff Analysis
Final Rule on Automated Valuation Models
July 11, 2024

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Appraisal Regulatory Proposals

Appraisals: Reg Z Requirements

Learn permitted and prohibited valuation-related activities, prohibition on conflicts of interest, and additional valuation independence requirements.

Related Acts & Regulations

Appraisals

News

Promoting Homeownership Opportunities for All

Related Training & Events

2018 Commercial Real Estate Survey Report

ABA Resources

Policy Analysis & Advocacy Efforts

Appraisals: Reg Z Requirements

Related Products

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