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#1 Texas Appraiser Licensing Law (TALCB — Occ. Code Ch. 1103/1104, TAC Title 22) Page 1

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--- Source: Texas Administrative Code, Title 22, Part 8 — TALCB Rules (Texas Appraiser Licensing and Certification Board) Official source:…

Texas Appraiser Licensing Law (TALCB — Occ. Code Ch. 1103/1104, TAC Title 22) · TALCB_Rules_TAC_Title22.txt · Page 1

--- Source: Texas Administrative Code, Title 22, Part 8 — TALCB Rules (Texas Appraiser Licensing and Certification Board) Official source: https://www.talcb.texas.gov/agency-information/rules-and-laws/talcb-rules Retrieved: July 28, 2026 Public domain (government regulation) — no copyright restriction. Status: COMPLETE. Chapter 151 (General Administration), Chapter 153 (Provisions of the Texas Appraiser Licensing and Certification Act), Chapter 155 (Standards of Practice), Chapter 157 (Practice and Procedure, Subchapters A-F), and Chapter 159 (Appraisal Management Company Act provisions) all captured in full, ending at Section 159.205 (Identity Theft), the final rule on the source page. --- TALCB Rules Chapter 151 General Administration §151.1 Definitions The following words and terms, when used in this chapter, have the following meanings, unless the context clearly indicates otherwise. Agency–The Texas Real Estate Commission and the Texas Appraiser Licensing and Certification Board. Board–The Texas Appraiser Licensing and Certification Board. Chief Financial Officer–The Chief Financial Officer of the Texas Real Estate Commission. Commission–The Texas Real Estate Commission. Comptroller–The Comptroller of Public Accounts. DIR–The Department of Information Resources. Executive Director–The Executive Director of the Commission and the Board. TAC–The Texas Administrative Code. TFC–The Texas Facilities Commission. return to top §151.2 Charges for Copies of Public Information The Board adopts by reference the rules promulgated by the Commission regarding Charges for Copies of Public Information as set forth in 22 TAC §534.2. return to top §151.3 Employee Training and Education The Board may provide training and education for its employees in accordance with Subchapter C, Chapter 656, Texas Government Code. The Board may spend public funds as appropriate to pay the costs associated with employee training, including, but not limited to, salary, tuition and other fees, travel, and living expenses, training stipend, expense of training materials, and other necessary expenses of an instructor, student, or other participant in a training or education program. The Executive Director shall adopt policies related to training for Board employees, including eligibility and obligations assumed upon completion. Before an employee may receive reimbursement of tuition expenses for successful completion of a training or education program offered by an accredited institution of higher education, the Executive Director must pre-approve the program and authorize the tuition reimbursement payment. Approval to participate in any portion of the Board's training and education program does not affect an employee's at-will status. Participation in the training and education program does not constitute a guarantee or indication of continued employment, nor does it constitute a guarantee or indication

#2 Texas Appraiser Licensing Law (TALCB — Occ. Code Ch. 1103/1104, TAC Title 22) Page 1

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--- Source: Texas Occupations Code, Title 7, Subtitle A, Chapter 1103 — Texas Appraiser Licensing and Certification Act Official source:…

Texas Appraiser Licensing Law (TALCB — Occ. Code Ch. 1103/1104, TAC Title 22) · Ch1103_Appraiser_Licensing_and_Certification_Act.txt · Page 1

--- Source: Texas Occupations Code, Title 7, Subtitle A, Chapter 1103 — Texas Appraiser Licensing and Certification Act Official source: https://statutes.capitol.texas.gov/Docs/OC/htm/OC.1103.htm Retrieved: July 28, 2026 Public domain (government statute) — no copyright restriction. Status: COMPLETE. All sections, Sec. 1103.001 through Sec. 1103.5545 (117 sections across Subchapters A-L), captured directly from the statute's own rendered page and verified section-by-section against the official table of contents. --- OCCUPATIONS CODE TITLE 7. PRACTICES AND PROFESSIONS RELATED TO REAL PROPERTY AND HOUSING SUBTITLE A. PROFESSIONS RELATED TO REAL ESTATE CHAPTER 1103. REAL ESTATE APPRAISERS SUBCHAPTER A. GENERAL PROVISIONS Sec. 1103.001. SHORT TITLE. This chapter may be cited as the Texas Appraiser Licensing and Certification Act. Added by Acts 2001, 77th Leg., ch. 1421, Sec. 2, eff. June 1, 2003. Sec. 1103.002. PURPOSE. The purpose of this chapter is to: (1) conform state law relating to the regulation of real estate appraisers to the requirements adopted under Title XI, Financial Institutions Reform, Recovery, and Enforcement Act of 1989; and (2) enforce standards for the appraisal of real property. Added by Acts 2001, 77th Leg., ch. 1421, Sec. 2, eff. June 1, 2003. Amended by: Acts 2011, 82nd Leg., R.S., Ch. 131 (H.B. 2375), Sec. 1, eff. May 27, 2011. Sec. 1103.003. DEFINITIONS. In this chapter: (1) "Appraisal" means, regardless of whether prepared for a federally related transaction: (A) an opinion of value; or (B) the act or process of developing an opinion of value. (2) "Appraisal Foundation" means The Appraisal Foundation, as defined by 12 U.S.C. Section 3350, or its successor. (2-a) "Appraisal review" has the meaning assigned by Section 1104.003. (2-b) "Appraisal Standards Board" means the Appraisal Standards Board of the Appraisal Foundation, or its successor. (3) "Appraisal Subcommittee" means the Appraisal Subcommittee of the Federal Financial Institutions Examination Council, or its successor. (4) "Appraiser Qualifications Board" means the Appraiser Qualifications Board of the Appraisal Foundation, or its successor. (4-a) "Appraiser trainee" means an appraiser trainee licensed under this chapter. (4-b) "Automated valuation model" means an automated system used to derive the value of real property through publicly available property records and various analytic methodologies, including comparable sales prices, home characteristics, and historical home price appreciations. (5) "Board" means the Texas Appraiser Licensing and Certification Board. (5-a) "Certified appraiser" means a person who is certified under this chapter to practice as a certified general or certified residential appraiser. (6) "Executive director" means the executive

#3 Fannie Mae Selling Guide Page 610

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✓ The lender must... obtain the necessary information from the borrower if the ROV request is unclear or needs more information. align its ROV policies and procedures with…

Fannie Mae Selling Guide · Selling Guide - 06-03-2026.pdf · Page 610 · View at official source (selling-guide.fanniemae.com) →

✓ The lender must... obtain the necessary information from the borrower if the ROV request is unclear or needs more information. align its ROV policies and procedures with Appraiser Independence Requirements (AIR). standardize communication to the appraiser, that contains the following: • borrower(s) name, property address, effective date of the appraisal, appraiser name, and date of the ROV; • identification and description of unsupported, inaccurate, or deficient areas in the appraisal report; • additional data, information, or comparable properties, not to exceed the maximum of five; • a definition of turn-time expectations for communicating ROV results; • instructions for delivering the ROV response as part of a revised appraisal report that includes commentary on conclusions regardless of the outcome; and • a reference for appraisers on how to correct minor appraisal issues or non-material errors not related to the ROV process. ensure documentation related to the outcome of the ROV is retained in the loan file. If material deficiencies identified in the appraisal report are not corrected or addressed by the appraiser upon request, or if there is evidence of any unacceptable appraisal practices detailed in B4-1.1-04, Unacceptable Appraisal Practices, the lender must forward the appraisal report and summary of findings to the appropriate appraisal licensing agency or regulatory board. The lender must also report suspected overt violations of anti- discrimination laws to the proper local, state, or federal agency. In the event of these occurrences, the lender may obtain a second or subsequent appraisal report. Note: After a loan has closed, an ROV request is no longer allowed to be submitted by the borrower. Fannie Mae’s Referrals to State Appraiser Boards Fannie Mae conducts different levels of due diligence for quality control purposes and may refer unacceptable appraisal reports to state appraiser licensing or regulatory boards for investigation. Fannie Mae’s objectives in referring appraisal reports to state appraiser licensing or regulatory boards are to emphasize continuing efforts to maintain the quality of appraisals, to protect Fannie Mae’s interest, to improve the quality of mortgages delivered to Fannie Mae by identifying appraisers that have performed appraisals of a sufficiently poor quality as to impair the security interests, to help the industry enhance the quality of appraisals by identifying and referring appraisals that are not adequately supported or credible, and to help enforce professional standards.

#4 2024 USPAP Page 464

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appraisers usually Inspect the property and prepare the appraisal themselves. Currently, they do not recognize me In these reports, and | am not permitted to sign them. USPAP…

2024 USPAP · 2024_USPAP_text.txt · Page 464 · View at official source (The Appraisal Foundation — USPAP) →

appraisers usually Inspect the property and prepare the appraisal themselves. Currently, they do not recognize me In these reports, and | am not permitted to sign them. USPAP Guidance: Frequently Asked Questions co 251 © The Appraisal Foundation sac --- Page 340 --- Sb < APPRAISAL REPORTING ~ CERTIFICATION AND SIGNATURES | also sometimes go with them on Inspections and write portions of the reports. In these cases they do recognize me, as required by USPAP. | am concerned about recelving experlence credit for all my appraisal assistance from my state's appraiser licensing board or a professional assoclation If | apply for a designation. Should my participation be referenced In all the reports When I provide assistance, or only when | Inspect the property and write portions of the report? Response: USPAP does not address the specific experience requirements of state appraiser licensing agencies or professional appraisal organizations. You will have to contact those entitles directly to obtain that information. USPAP does specifically address what to do when an individual provides significant appraisal assistance In the development of appraisal and appraisal review assignments. Each of the Standards that address reporting requires that such significant assistance be addressed in any report. For example, in real property appraising, Standards Rule 2-2(a) (bd) requires the content of an Appraisal Report to, at a minimum: summarize the extent of any significant real property appraisal assistance; Clerical responsibilities such as file preparation, typing reports, and similar activities are not considered significant appraisal assistance. However, the participation you described could go beyond clerical dlls. if, as part of the work you perform, you decide what, where, or how to research, you have applied judgment. Applying Judgment or performing analysis for an assignment would likely be considered significant appraisal or appraisal review assistance. You can obtain more guidance on how to decide on whether your contributions to an assignment should be considered significant within USPAP by reviewing Advisory Opinion 31, Assignments Involving More than One Appraiser. 268. REPORTING SIGNIFICANT APPRAISAL ASSISTANCE IN AN ORAL REPORT Question: How must recognition of my significant appraisal assistance be Included when there Is no written report, but significant assistance was provided and documentation of my work is In the workflle? Response: The RECORD KEEPING RULE states that the workflle must include: summaries of all oral reports or testimony, or a transcript of testimony, including the appraiser's signed and dated certification Standards

#5 Fannie Mae Selling Guide Page 540

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or third-party service provider, the lender is accountable for the quality of the work performed as if it was performed by an employee of the lender. The lender (or its authorized…

Fannie Mae Selling Guide · Selling Guide - 06-03-2026.pdf · Page 540 · View at official source (selling-guide.fanniemae.com) →

or third-party service provider, the lender is accountable for the quality of the work performed as if it was performed by an employee of the lender. The lender (or its authorized agent) must establish policies and procedures to ensure that qualified individuals are being selected in accordance with Fannie Mae requirements, including the Appraiser Independence Requirements. ensure that an appraiser has demonstrated the ability to perform high-quality appraisals before using an appraiser’s services. The quality of an appraiser’s work is a key criterion that must be used in determining which appraiser the lender (or its authorized agent) uses for its assignments. The requirement for an appraiser to produce a high-quality work product must always outweigh fee or turnaround time considerations. develop and maintain a documented process to monitor the appraisers it uses. The process (at a minimum) must include an annual review of an appraiser's state licensing or certification status and a procedure for suspending or terminating business with individual appraisers. Additionally, the lender must have a procedure for referring appraisers to the applicable state appraiser licensing and regulatory board. Delegating these responsibilities to a third party does not relieve the lender of its responsibilities related to the appraisal or the value, condition, and marketability of the property. See B4-1.3-12, Appraisal Quality Matters, for information related to ongoing review of appraisals. Note: Fannie Mae does not approve appraisers. Therefore, when selecting appraisers, lenders must not give any consideration to an appraiser’s representation that they are approved or qualified by Fannie Mae. Supervisory Appraiser As noted in the License and Certification section in this topic, Fannie Mae allows an unlicensed or uncertified appraiser, or trainee (or other similar classification) that works as an employee or subcontractor of a licensed or certified appraiser, to perform a significant amount of the appraisal (or the entire appraisal if they are qualified to do so), as long as the appraisal report is signed by a licensed or certified supervisory or review appraiser and is acceptable under state law. If a supervisory appraiser is used, the supervisory appraiser does not need to physically inspect the subject property or comparables, but must sign the right side of the report and certify that they directly supervised the appraiser that prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by certifications as set forth in Fannie

#6 2024 USPAP Page 478

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transmittal Is not part of the appraisal report, and these Items must appear within the body of the report to comply with USPAP. Is my cllent correct? Response: No; the client is…

2024 USPAP · 2024_USPAP_text.txt · Page 478 · View at official source (The Appraisal Foundation — USPAP) →

transmittal Is not part of the appraisal report, and these Items must appear within the body of the report to comply with USPAP. Is my cllent correct? Response: No; the client is not correct. Although a letter of transmittal is not required by USPAP, there is nothing in USPAP that prohibits making a letter of transmittal part of the appraisal report. It should be noted that USPAP does require an appraiser signing any part of an appraisal report, including a letter of transmittal, to also sign the certification. USPAP Guidance: Frequently Asked Questions co 261 © The Appraisal Foundation sac --- Page 350 --- Eos « [APPRAISAL DEVELOPMENT ~ USE AND FORMAT ISSUES 289. COPY OF LICENSE IN APPRAISAL REPORT Question: I have several cllents that request | Include a copy of my state appraisal license In each appraisal report | perform. Does USPAP permit me to do this? Response: USPAP does not directly address issues of appraiser licensing or credentials. However, some licensing jurisdictions have laws that govern the circumstances under which a licensee may provide a copy of his or her license. Iso, appraisers are required to comply with such laws in order to comply with USPAP. 290. DOES USPAP REQUIRE IDENTIFYING APPRAISAL CREDENTIALS? Question: 1 am a state certified real estate appraiser and typically list my state license number directly below my signature on appraisal reports. | spoke with an appraiser In another state who sald USPAP has certain requirements pertaining to Identification of credentials In an appralsal report. Is thls correct, does USPAP address how appralser credentials must appear In an appraisal report? Response: No. There are no requirements in USPAP specifying how an appralser must identify his or her credentials in an appraisal report. That is a matter of individual state laws for state licensed or certified appraisers. There may also be specific requirements from professional appraiser organizations for appraisers who possess designations from those organizations. 291. ARE INSTANT MESSAGES OR TEXT MESSAGES APPRAISAL REPORTS? Question: | perform appraisal assignments for a cllent who asks to be notified of my final value conclusion via text message or text message. Is thls communication to the cllent an appralsal report that must comply with USPAP? Response: Yes; this communication of assignment results is considered an appraisal report. Instant messages or text messages are written communications and, for assignments involving real property, are subject to the requirements of

#7 Nevada Appraiser Licensing Law (NRS 645C) Page 1

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Source: Nevada Administrative Code (NAC) Chapter 645C — Appraisers of Real Estate and Appraisal Management Companies Official source: https://www.leg.state.nv.us/NAC/NAC-645C.html…

Nevada Appraiser Licensing Law (NRS 645C) · NAC_645C_Appraisers_of_Real_Estate_and_AMCs.txt · Page 1 · View at official source (Nevada Revised Statutes — NRS 645C) →

Source: Nevada Administrative Code (NAC) Chapter 645C — Appraisers of Real Estate and Appraisal Management Companies Official source: https://www.leg.state.nv.us/NAC/NAC-645C.html Page revision shown at time of retrieval: Rev. 4/13/2026; NAC-645C Revised Date: 8-24 Retrieved: July 27, 2026 Public domain (state administrative regulation) — no copyright restriction. --- GENERAL PROVISIONS NAC 645C.005 Definitions. (NRS 645C.210) As used in this chapter, unless the context otherwise requires, the words and terms defined in NAC 645C.006 to 645C.0095, inclusive, have the meanings ascribed to them in those sections. (Added to NAC by Comm’n of Appraisers of Real Estate, eff. 1-26-90; A by R119-00, 9-25-2000; R100-03, 1-30-2004; R158-05, 9-18-2006; R176-18, 6-8-2020) NAC 645C.006 “Advisory committee” defined. (NRS 645C.210) “Advisory committee” means an advisory committee established pursuant to NAC 645C.600. (Added to NAC by Comm’n of Appraisers of Real Estate by R119-00, eff. 9-25-2000) NAC 645C.007 “Distance education course” defined. (NRS 645C.210) “Distance education course” means a course of instruction in which the pupil receives instruction at a location at which the instructor is not physically present. Such a course may include, without limitation, instruction provided via CD-ROM, the Internet or videoconference. (Added to NAC by Comm’n of Appraisers of Real Estate by R119-00, eff. 9-25-2000) NAC 645C.0085 “Sponsor” defined. (NRS 645C.210) “Sponsor” means a person or governmental entity who offers or conducts a course which satisfies the educational requirements, if any, for the issuance of a license, certificate, permit or registration card or a course which satisfies the continuing education requirements set forth in NAC 645C.300 and 645C.302. (Added to NAC by Comm’n of Appraisers of Real Estate by R103-10, eff. 12-16-2010) NAC 645C.009 “Supervisory appraiser” defined. (NRS 645C.210) “Supervisory appraiser” means a certified residential appraiser or certified general appraiser who directly supervises a registered intern. (Added to NAC by Comm’n of Appraisers of Real Estate by R100-03, eff. 1-30-2004) NAC 645C.0095 “USPAP” defined. (NRS 645C.210) “USPAP” means the Uniform Standards of Professional Appraisal Practice as adopted by reference pursuant to NAC 645C.400. (Added to NAC by Comm’n of Appraisers of Real Estate by R158-05, eff. 9-18-2006) NAC 645C.010 “Appraiser” excludes certain persons. (NRS 645C.210) For the purposes of this chapter and chapter 645C of NRS, the term “appraiser” does not include any person who estimates the value of extractable natural resources, whether such resources are renewable or nonrenewable. (Added to NAC by Comm’n of Appraisers of Real Estate, eff. 1-26-90) NAC 645C.025 Severability of provisions.

#8 Nevada Appraiser Licensing Law (NRS 645C) Page 1

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--- Source: Nevada Revised Statutes Chapter 645C — Appraisers of Real Estate and Appraisal Management Companies Official source: https://www.leg.state.nv.us/NRS/NRS-645C.html…

Nevada Appraiser Licensing Law (NRS 645C) · NRS_645C_Appraisers_of_Real_Estate_and_AMCs.txt · Page 1 · View at official source (Nevada Revised Statutes — NRS 645C) →

--- Source: Nevada Revised Statutes Chapter 645C — Appraisers of Real Estate and Appraisal Management Companies Official source: https://www.leg.state.nv.us/NRS/NRS-645C.html Retrieved: July 25, 2026 Public domain (government statute) — no copyright restriction. --- GENERAL PROVISIONS NRS 645C.010 Definitions. As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 645C.020 to 645C.130, inclusive, have the meanings ascribed to them in those sections. (Added to NRS by 1989, 822; A 1997, 300; 2009, 1520; 2019, 479) NRS 645C.020 "Administrator" defined. "Administrator" means the Real Estate Administrator. (Added to NRS by 1989, 822) NRS 645C.030 "Appraisal" defined. "Appraisal" means an analysis, opinion or conclusion, whether written or oral, relating to the nature, quality, value or use of a specified interest in, or aspect of, identified real estate for or with the expectation of receiving compensation. (Added to NRS by 1989, 822) NRS 645C.032 "Appraisal firm" defined. "Appraisal firm" means a person, limited-liability company, partnership, association or corporation: 1. Which, for compensation, prepares and communicates appraisals; 2. Whose principal is an appraiser licensed pursuant to this chapter; and 3. Whose principal supervises, trains and reviews work product produced by the persons who produce appraisals for the person, limited-liability company, partnership, association or corporation, including, without limitation, employees and independent contractors. (Added to NRS by 2009, 1513) NRS 645C.034 "Appraisal management company" defined. 1. "Appraisal management company" means a person, limited-liability company, partnership, association or corporation which, for compensation: (a) Functions as a third-party intermediary between an appraiser valuing properties which secure mortgage loans or mortgages incorporated into a securitization and: (1) A creditor of a consumer credit transaction secured by the principal dwelling of a consumer or other principal in secondary mortgage markets; or (2) Any other user of real estate appraisal services; (b) Recruits, selects, retains and administers a network or panel of appraisers in this State or in the United States, performing real estate appraisal services as independent contractors; (c) Enters into an agreement to provide real estate appraisal services with a user of such services and one or more appraisers performing such services as independent contractors; (d) Manages the process of having an appraisal performed, including, without limitation, providing administrative duties such as: (1) Receiving appraisal orders and appraisal reports; (2) Submitting completed appraisal reports to creditors and underwriters; (3) Collecting fees from creditors and underwriters for services provided; and (4) Reimbursing appraisers for services

Chief Appraiser Says Reading the actual guideline text below — never a general AI guess

# Nevada Appraiser Licensing Law — Plain Language Explanation Here's what Nevada's appraiser licensing law does: it sets up the rules for how appraisers get licensed, what they have to know, and how they're supposed to work. The law defines key terms (like what a "supervisory appraiser" is or what counts as "distance education"), and it requires appraisers to follow USPAP — the national professional standards for appraisal work. Nevada also establishes continuing education requirements and creates an advisory committee to oversee the profession. Straight from Nevada Appraiser Licensing Law (NRS 645C) — nothing added.

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