Byron Donalds (R-FL)
Appraisal Industry Improvement Act
A Republican bill with 2 Democratic cosponsors · See all 2 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The Appraisal Industry Improvement Act changes the National Housing Act to allow State-licensed appraisers to handle appraisals for FHA-insured mortgages. It requires these appraisers to meet specific competency rules and complete verifiable education approved by the Secretary or a State agency. The bill also adds State credentialed trainee appraisers to the national registry and allows certified appraisers to use their assistance. Additionally, it allows for grants to support appraiser workforce training and recruiting. Finally, it expands the Appraisal Subcommittee to include members from the Department of Veterans Affairs, the Department of Housing and Urban Development, and the Rural Housing Service of the Department of Agriculture.
Yes· 3 of 15
- Scored +4
Would business owners be better off under this?
Benefits state-licensed appraiser business owners by expanding their eligible client base.
- Scored +4
Is this likely to create jobs?
Expands the pool of eligible appraisers and provides grants for workforce recruitment and training.
- Scored +3
Would people in their twenties and thirties be better off under this?
Creates paths for trainee appraisers and scholarship opportunities via workforce grants.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Appraiser Availability: By authorizing State-licensed appraisers to conduct FHA-insured mortgage appraisals, the bill expands the pool of qualified professionals (Section 2(a)).
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Workforce Development: The bill allows for grants to nonprofit organizations, higher education institutions, and State agencies to help recruit and retain appraiser talent through scholarships and career pipeline development (Section 5).
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Trainee Opportunities: The bill creates a formal role for State credentialed trainee appraisers, allowing them to be listed on the national registry and assist certified appraisers in their work (Section 4(a), 4(b), and 4(c)).
Potential Negative Impacts for People
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Potential Fee Increases: The bill allows the Appraisal Subcommittee to adjust the fees that Appraisal Management Companies must pay (Section 3).
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New Educational Requirements: Appraisers who were not previously approved by the FHA must now comply with verifiable education requirements, including completing specific courses or seminars (Section 2(a)(1)(B) and 2(b)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — Benefits state-licensed appraiser business owners by expanding their eligible client base. Would students be better off under this? — Provides grants for scholarships and career pipeline development for aspiring appraisers. Would people in their twenties and thirties be better off under this? — Creates paths for trainee appraisers and scholarship opportunities via workforce grants. Would households on low incomes be better off under this? — Potential for faster and more accessible FHA mortgage appraisals. Would middle-income households be better off under this? — Potential for faster and more accessible FHA mortgage appraisals. Would people in rural areas be better off under this? — Increases appraiser availability and incorporates Rural Housing Service interests. Would veterans be better off under this, taking everything together? — Integrates the VA into the appraisal oversight subcommittee. Would farmers be better off under this? — Integrates the Rural Housing Service of the USDA into the appraisal oversight subcommittee.
- Economy And Finance
- Is this likely to create jobs? — Expands the pool of eligible appraisers and provides grants for workforce recruitment and training. Does this make it easier to run a small business? — Allows state-licensed appraisers, often small business owners, to perform FHA appraisals. Is this likely to grow the economy? — Facilitates easier access to FHA-insured mortgages by increasing appraiser availability.
- Social Issues And Justice
- Does this make housing cost less? — Increases the availability of appraisers for FHA mortgages, potentially speeding up the home-buying process for affordable housing.
- Environment Energy And Infrastructure
- Does this invest in rural communities? — Includes the Rural Housing Service of the USDA in the Appraisal Subcommittee.
- Governance And Ideology
- Does this leave more decisions to the states? — Authorizes State-licensed appraisers to perform federal FHA duties, reducing sole reliance on federal certification.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — Includes the Department of Veterans Affairs in the Appraisal Subcommittee to better represent veteran interests.
- 11/12/2025
- Referred to the House Committee on Financial Services.
- 2 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Janelle BynumDemocrat · Oregon
Brad ShermanDemocrat · California