{"id":4011,"date":"2022-01-19T11:00:00","date_gmt":"2022-01-19T16:00:00","guid":{"rendered":"https:\/\/nationalfairhousing.org\/?p=4011"},"modified":"2022-02-16T19:27:39","modified_gmt":"2022-02-17T00:27:39","slug":"groundbreaking-report-identifies-bias-and-systemic-barriers-in-real-estate-appraisals","status":"publish","type":"post","link":"https:\/\/nationalfairhousing.org\/groundbreaking-report-identifies-bias-and-systemic-barriers-in-real-estate-appraisals\/","title":{"rendered":"Groundbreaking Report Identifies Bias and Systemic Barriers in Real Estate Appraisals"},"content":{"rendered":"\n<p class=\"content-wrap-item post__paragraph\">FOR IMMEDIATE RELEASE<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">January 19, 2022<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Media Contact: Izzy Woodruff | 202-898-1661 | <a href=\"mailto:IWoodruff@nationalfairhousing.org\">IWoodruff@nationalfairhousing.org<\/a><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph has-text-align-center\"><strong>Groundbreaking Report Identifies Bias and Systemic Barriers in Real Estate Appraisals<\/strong><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph has-text-align-center\"><em>The federally-funded report produced by the National Fair Housing Alliance and its partners raises serious concerns about the standards and criteria related to the appraisal of residential real estate, which often represents a family&#8217;s largest asset.<\/em><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Washington, D.C. <\/strong>\u2014 Racial discrimination in home appraisals continues to affect Black and Latino homeowners throughout our country, and a new federally-commissioned report from the National Fair Housing Alliance (NFHA) identifies recommendations to address this crisis. Documented instances of appraisal discrimination along racial lines in <a href=\"https:\/\/www.cnn.com\/2021\/12\/09\/business\/black-homeowners-appraisal-discrimination-lawsuit\/index.html\">California<\/a>, <a href=\"https:\/\/www.nytimes.com\/2020\/08\/25\/realestate\/blacks-minorities-appraisals-discrimination.html\">Florida,<\/a> <a href=\"https:\/\/www.thedenverchannel.com\/news\/local-news\/an-unconscious-bias-biracial-denver-couple-says-they-faced-discrimination-on-home-appraisal\">Colorado<\/a>, <a href=\"https:\/\/www.cnn.com\/2021\/05\/19\/homes\/black-homeowner-home-appraisal-feseries\/index.html\">Indiana<\/a>, and other areas are reflective of practices that restrict housing and lending access for families of color nationwide. Conducted by NFHA, Dane Law LLC, and the Christensen Law Firm (the \u201cNFHA Consortium\u201d), the \u201c<strong><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/01\/2022-01-18-NFHA-et-al_Analysis-of-Appraisal-Standards-and-Appraiser-Criteria_FINAL.pdf\">Appraisal Standards and Appraiser Criteria report<\/a><\/strong>&#8221; is the most comprehensive review of bias in the appraisal industry to date, and it presents a roadmap for Congress, regulators, advocates, and the industry to address the nation\u2019s long legacy of bias in the valuation of real estate and build a future in which a family\u2019s most valuable asset is treated fairly.<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">The comprehensive and independent review by the NFHA Consortium was commissioned by the <a href=\"https:\/\/www.asc.gov\/Home.aspx\">Appraisal Subcommittee<\/a> (ASC) of the <a href=\"https:\/\/www.ffiec.gov\/default.htm\">Federal Financial Institutions Examination Council<\/a> and managed by the <a href=\"https:\/\/www.clearhq.org\/\">Council on Licensure, Enforcement and Regulation<\/a>. The goals of the report included an assessment of whether the Uniform Standards of Professional Appraisal Practices (\u201cAppraisal Standards\u201d) and Appraiser Qualifications Criteria (\u201cAppraiser Criteria\u201d) encourage or systemize bias and that both consistently support or promote fairness, equity, objectivity and diversity in both appraisals and the training and credentialing of appraisers.&nbsp;<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">\u201cOur report details a comprehensive analysis of structural challenges in Appraisal Standards and Appraiser Criteria that impacts every homeowner in the U.S.,\u201d <strong>said Lisa Rice, President and CEO of NFHA<\/strong>. \u201cIt also highlights the deep inequities and systemic issues of bias in the appraisal industry that restricts homeownership and important lending opportunities for people of color. While we&#8217;ve done the work of identifying the obstacles and outlining a number of fixes, we call on federal regulators, Congress, the industry, and fellow advocates to work together to enact the meaningful changes called for in our report. Any entity with a role in the appraisal process has a responsibility to help address these inequalities.\u201d<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>The report\u2019s recommendations are outlined below:<\/strong><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Governance of the Appraisal Industry<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;Due to the important role appraisals play in the residential housing market and consumers\u2019 financial situations, the Appraisal Foundation\u2019s legal authority should be considered for further review.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Foundation should take steps to enhance inclusiveness and ensure the voices of civil rights and consumer advocates are included in a meaningful way on their board of trustees and in their rulemaking procedures.&nbsp;<\/li&gt;\"><li>Due to the important role appraisals play in the residential housing market and consumers\u2019 financial situations, the Appraisal Foundation\u2019s legal authority should be considered for further review.<\/li><li>The Appraisal Foundation should take steps to enhance inclusiveness and ensure the voices of civil rights and consumer advocates are included in a meaningful way on their board of trustees and in their rulemaking procedures.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Gaps in Fair Housing Requirements and Training<\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Standards Board should revise the Uniform Standards of Professional Appraisal Practice (\u201cAppraisal Standards\u201d) to clearly state that discrimination in appraisals is prohibited.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;Fair housing training ought to be required for every appraiser to obtain, and maintain, their credentials.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Foundation should work with civil rights experts to develop comprehensive fair housing training in required initial and continuing education courses. The fair housing training module in the current 2022-2023 USPAP Standards continuing education course should be revised immediately to ensure the training is comprehensive and accurate.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Foundation should work closely with the U.S. Department of Housing and Urban Development, the U.S. Department of Justice, the Federal Housing Finance Agency, and other regulators and enforcement agencies to develop, improve, and implement fair housing training.&nbsp;<\/li&gt;\"><li>The Appraisal Standards Board should revise the Uniform Standards of Professional Appraisal Practice (\u201cAppraisal Standards\u201d) to clearly state that discrimination in appraisals is prohibited.<\/li><li>Fair housing training ought to be required for every appraiser to obtain, and maintain, their credentials.<\/li><li>The Appraisal Foundation should work with civil rights experts to develop comprehensive fair housing training in required initial and continuing education courses. The fair housing training module in the current 2022-2023 USPAP Standards continuing education course should be revised immediately to ensure the training is comprehensive and accurate.<\/li><li>The Appraisal Foundation should work closely with the U.S. Department of Housing and Urban Development, the U.S. Department of Justice, the Federal Housing Finance Agency, and other regulators and enforcement agencies to develop, improve, and implement fair housing training.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Barriers to Entry to the Appraisal Profession<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraiser Qualifications Board should work with civil rights experts and other stakeholders to analyze barriers to entry to the appraisal profession and identify disparate impacts on potential appraisers of color.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;Given the deep racial and gender disparities in the industry, consideration should be given to amending the appraiser qualification requirements, including the Supervisory Appraiser criteria, to ensure women and people of color can gain the training and practical experience needed to become certified and\/or licensed appraisers.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Foundation should continue and expand outreach to women and individuals of color, ensure the demographics of those entering the profession are transparent, and provide new professionals with the tools they need to be prepared for the future with respect to the use of new technologies in the field.&nbsp;<\/li&gt;\"><li>The Appraiser Qualifications Board should work with civil rights experts and other stakeholders to analyze barriers to entry to the appraisal profession and identify disparate impacts on potential appraisers of color.<\/li><li>Given the deep racial and gender disparities in the industry, consideration should be given to amending the appraiser qualification requirements, including the Supervisory Appraiser criteria, to ensure women and people of color can gain the training and practical experience needed to become certified and\/or licensed appraisers.<\/li><li>The Appraisal Foundation should continue and expand outreach to women and individuals of color, ensure the demographics of those entering the profession are transparent, and provide new professionals with the tools they need to be prepared for the future with respect to the use of new technologies in the field.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><strong>Compliance and Enforcement<\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong> <\/strong><strong><\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"content-wrap-item post__list post__list-undefined wp-block-list\" value=\"<li class=&quot;post__list-item is-item-undefined&quot;&gt;The report identified a need for additional data to help reform the appraisal industry. Government entities, Fannie Mae and Freddie Mac, along with others in the industry should work collaboratively to release appraisal data sets to help reduce bias and develop better compliance and monitoring systems.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;Government Sponsored Enterprises (GSEs), lenders, appraisers, civil rights, and consumer advocates should use data science tools to develop more robust compliance management systems to prevent and remedy fair housing violations in appraisals.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Standards Board should consider amending USPAP Standards to require appraisers to identify mortgage borrowers as \u201cintended users\u201d of appraisals.<\/li&gt;<li class=&quot;post__list-item is-item-undefined&quot;&gt;The Appraisal Foundation, government entities, GSEs, and lenders should develop standards and guidance for appraisers regarding the Reconsideration of Value process to provide for fairness, transparency, and accountability.&nbsp;<\/li&gt;\"><li>The report identified a need for additional data to help reform the appraisal industry. Government entities, Fannie Mae and Freddie Mac, along with others in the industry should work collaboratively to release appraisal data sets to help reduce bias and develop better compliance and monitoring systems.<\/li><li>Government Sponsored Enterprises (GSEs), lenders, appraisers, civil rights, and consumer advocates should use data science tools to develop more robust compliance management systems to prevent and remedy fair housing violations in appraisals.<\/li><li>The Appraisal Standards Board should consider amending USPAP Standards to require appraisers to identify mortgage borrowers as \u201cintended users\u201d of appraisals.<\/li><li>The Appraisal Foundation, government entities, GSEs, and lenders should develop standards and guidance for appraisers regarding the Reconsideration of Value process to provide for fairness, transparency, and accountability.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Click <strong><a href=\"http:\/\/bit.ly\/AppraisalStandardsAppraiserQualificationsRelease\">here<\/a><\/strong> to read ASC\u2019s statement on the report.&nbsp;<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Click <strong><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/01\/2022-01-18-NFHA-et-al_Analysis-of-Appraisal-Standards-and-Appraiser-Criteria_FINAL.pdf\">here<\/a><\/strong> to read the full report.<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Click <a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/01\/Appraisal-Study-Overview_NFHA.pdf\"><strong>here<\/strong><\/a> to read the Appraisal Study Overview.<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">For years, NFHA has led the fight against racism and other forms of discrimination in home appraisals. In February 2021, NFHA <a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/04\/NFHA-Comments_FHFA-RFI-re-Appraisals_02-26-2021_FINAL.pdf\">called on<\/a> the Federal Housing Finance Agency to address the specific issues in appraisal policy that cause race-based discrimination.&nbsp;<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph has-text-align-center\">###<\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph has-text-align-center\"><strong><em><strong><em><strong><em><strong><em><strong><em>The National Fair Housing Alliance (NFHA)<\/em><\/strong>\u00a0<\/em><\/strong><\/em><\/strong><\/em><\/strong><\/em><\/strong><em><em><em>is the country\u2019s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.<\/em><\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>FOR IMMEDIATE RELEASE January 19, 2022 Media Contact: Izzy Woodruff | 202-898-1661 | IWoodruff@nationalfairhousing.org Groundbreaking Report Identifies Bias and Systemic Barriers in Real Estate Appraisals The federally-funded report produced by the National Fair Housing Alliance and its partners raises serious concerns about the standards and criteria related to the appraisal of residential real estate, which [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":4046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,34,2],"tags":[71,72],"class_list":["post-4011","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-media","category-nfha-news","category-press-releases","tag-appraisal-bias","tag-real-estate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - 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