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Rules governing mortgage appraisals and other written valuations under ECOA

Resources to help industry understand, implement, and comply with the Equal Credit Opportunity Act (ECOA) valuation rule.

Featured topic

On April 29, 2020, the Bureau released two factsheets on the ECOA valuation rule. The factsheets provide information on transaction coverage under the Rule and delivery method and timing requirements for appraisals and other written valuations . The Bureau also published an FAQ related to the ECOA valuations rule in light of the COVID-19 emergency.

Rule

Browse the ECOA valuation final rule to see specific amendments to Regulation B.

Regulations and official interpretations

Browse Regulation B (12 CFR 1002) on: Interactive Bureau Regulations | eCFR

Main ECOA valuation rule provisions and official interpretations can be found in:

  • § 1002.14, Rules on providing appraisals and other valuations.
  • Supplement I to Part 1002 (including official interpretations for the above provision)

Quick references

Coverage chart

Transaction coverage and exemptions for the 2013 mortgage origination rules - Reference tool illustrating general coverage and exemptions of certain mortgage products.

Other references

Guides

Small entity compliance guide

Download the latest version , version 1.2

Supervision and examination materials

Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.

See the ECOA examination procedures

See the mortgage origination examination procedures

See the mortgage rules readiness guide , version 4.0