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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

Related Training & Events

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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.

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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 Whitaker

Vice President, Commercial Real Estate & Finance

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Rod Alba

Rod Alba

Senior Vice President, Regulatory Compliance and Policy

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Appraisal Working Group

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

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