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Committee backs bill allowing appraisers to perform bank evaluations under federal guidelines

2137210 · January 21, 2025
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Summary

House Bill 1354 would allow licensed appraisers to produce property evaluations for financial institutions under federal interagency guidelines when a full appraisal is not required.

Representative Dan Ruby introduced House Bill 1354, which amends state definitions so licensed appraisers may perform property evaluations for financial institutions under federal interagency guidelines when an appraisal is not required.

Appraisers and the North Dakota Appraisers Association testified that federal practice permits lending institutions to use lower-complexity evaluations for lower-risk, in-house loans (for example, certain lines of credit or loans below the appraisal threshold) and that state code currently restricts appraisers because it requires appraisers to follow the Uniform Standards of Professional Appraisal Practice (USPAP) for any…

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