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4: Interagency Guidance on Reconsiderations of Va

时间:2025-07-26 04:13来源: 作者:admin 点击: 7 次
The Federal Reserve Board of Governors in Washington DC.

The Board of Governors of the Federal Reserve System (Board), Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the National Credit Union Administration, and the Office of the Comptroller of the Currency have adopted the attached guidance on reconsiderations of value of residential real estate valuations (interagency guidance). A reconsideration of value (ROV) is a request from a financial institution to the appraiser or other preparer of the valuation report to reassess the report based upon potential deficiencies or other information that may affect the value conclusion. Valuations that are deficient may pose risks to the financial condition and operations of a financial institution.

The interagency guidance describes the risks of deficient collateral valuations and outlines applicable laws, regulations, and existing guidance relating to the appraisal review process and the correction of valuation deficiencies. The interagency guidance also explains how financial institutions may incorporate ROV processes into existing risk management functions such as appraisal review and complaint management. Finally, the interagency guidance provides examples that financial institutions may choose to adopt when developing risk-based ROV-related policies, procedures, control systems, and complaint processes to identify, address, and mitigate the risk of deficient valuations.

Reserve Banks are asked to distribute this letter to the supervised financial institutions in their districts and to appropriate supervisory staff. In addition, questions regarding this letter may be sent via the Board’s public website.

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