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ABA: The American Bankers Association
Banking Topic


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.

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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.

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

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.

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ABA Resources

Appraisal Regulatory Proposals

Appraisals: Reg Z Requirements

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

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Our Experts

Sharon Whitaker

Sharon L. Whitaker

VP, Commercial Real Estate & Finance, Mortgage

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Rod Alba

SVP, Real Estate Finance, Mortgage

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Mark Kruhm

Mark Kruhm

Senior Analyst, Compliance, Consumer Regulations and Compliance Solutions


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Shelly Loftin

SVP, Retail Banking, Lending & Payments

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Appraisal Working Group

Discuss appraisal issues and the impact on lending at the bank level.

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