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ABA: The American Bankers Association
Banking Topic

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.

Related Topics

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.

Read the Report

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

Joe Pigg

Joseph Pigg

SVP, Fair and Responsible Banking and Mortgage Finance

Mortgage Markets

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Sharon L. Whitaker

VP, Commercial Real Estate & Finance, Mortgage

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Mark Kruhm

Mark Kruhm

Senior Analyst, Compliance, Consumer Regulations and Compliance Solutions

Compliance

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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.

Mortgages Email Bulletin

Get periodic updates on legislative and regulatory developments affecting mortgage lending.