{"abstract":"The Agencies are issuing final Interagency Appraisal and Evaluation Guidelines (Guidelines) to provide further clarification of the Agencies' appraisal regulations and supervisory guidance to institutions and examiners about prudent appraisal and evaluation programs. The Guidelines, including their appendices, update and replace existing supervisory guidance documents to reflect developments concerning appraisals and evaluations, as well as changes in appraisal standards and advancements in regulated institutions' collateral valuation methods. The Guidelines clarify the Agencies' longstanding expectations for an institution's appraisal and evaluation program to conduct real estate lending in a safe and sound manner. Further, the Guidelines promote consistency in the application and enforcement of the Agencies' appraisal regulations and safe and sound banking practices. The Agencies recognize that revisions to the Guidelines may be necessary to address future regulations implementing the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.","action":"Final guidance.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2010/12/10/2010-30913.html","cfr_references":[],"citation":"75 FR 77450","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The Guidelines are effective on December 10, 2010.","disposition_notes":null,"docket_ids":["Docket ID OCC-2010-0012","Docket No. OP-1338","Docket No. 2010-0018"],"dockets":[],"document_number":"2010-30913","effective_on":"2010-12-10","end_page":77473,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2010/12/10/2010-30913.xml","html_url":"https://www.federalregister.gov/documents/2010/12/10/2010-30913/interagency-appraisal-and-evaluation-guidelines","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2010-30913?publication_date=2010-12-10","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2010-12-10/2010-30913/mods.xml","not_received_for_publication":null,"page_length":24,"page_views":{"count":22957,"last_updated":"2026-10-23 04:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-12-10/pdf/2010-30913.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2010-12-10","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2010/12/10/2010-30913.txt","regulation_id_number_info":{"3133-AD38":{"issue":"201104","html_url":"https://www.federalregister.gov/regulations/3133-AD38/interagency-appraisal-and-evaluation-guidelines","title":"Interagency Appraisal and Evaluation Guidelines","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201104&RIN=3133-AD38&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3133-AD38"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2010-12-30T08:12:49Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":77450,"subtype":null,"title":"Interagency Appraisal and Evaluation Guidelines","toc_doc":"Interagency Appraisal and Evaluation Guidelines","toc_subject":null,"topics":[],"type":"Notice","volume":75}