Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in lending practices, including appraisals, based on race, color, religion, national origin, sex, marital status, age, or participation in public assistance programs
Fair Housing Act: Federal law prohibiting discrimination in real estate transactions, including appraisals, based on protected characteristics
Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and protecting consumers in credit transactions, including those involving real estate appraisals
FIRREA: Financial Institutions Reform, Recovery, and Enforcement Act which establishes standards for real estate appraisals and appraiser qualifications
Dodd-Frank Act: Federal law implementing reforms for financial institutions, including requirements for appraisal independence and reporting
State Real Estate Laws: Individual state legislation governing real estate transactions, including specific requirements for purchase agreements and appraisal contingencies
USPAP: Uniform Standards of Professional Appraisal Practice setting the standards for professional appraisal practice in the United States
FHA Guidelines: Federal Housing Administration requirements for appraisals in FHA-backed mortgage transactions
VA Loan Requirements: Department of Veterans Affairs specific requirements for appraisals in VA-backed mortgage transactions
Appraisal Foundation Requirements: Standards and qualifications established by the authorized organization for real property appraisers
State Appraisal Board Rules: State-specific regulations governing appraiser conduct, licensing, and professional requirements
