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Directors' Resource Center
Technical Assistance Video Program


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Appraisals and Evaluations

This video series on appraisals and evaluations was developed by FDIC staff for use by management of community banks and for those involved in the lending and credit administration functions. 

  1. Overview and Background Information
  2. When is an Appraisal or Evaluation Needed
  3. Regulatory Expectations for Evaluations and Validating Appraisals and Evaluations
  4. Applying Part 323 / Other Issues
  5. Appraisal and Evaluation Review
  6. Review and Additional Resources

I.  Overview and Background Information
This first video provides background information on Part 323 of the FDIC’s Rules and Regulations, and the Interagency Appraisal and Evaluation Guidelines. In addition, the key elements of an effective real estate valuation program are reviewed.

Approximate run time: 08:52

Link to YouTube Video

Presentation Materials - PDF


II.  When is an Appraisal or Evaluation Needed
The second video in the series outlines appraisal requirements and common exemptions to the appraisal requirements, some of which require an evaluation, as outlined in Part 323 of the FDIC’s Rules and Regulations and also in the Interagency Appraisal and Evaluation Guidelines. An in-depth discussion of the subsequent transaction exemption is provided, and several frequently asked questions are answered.

Approximate run time: 20:39

Link to YouTube Video

Presentation Materials - PDF


III.  Regulatory Expectations for Evaluations and Validating Appraisals and Evaluations
The third video in this series covers a variety of topics, including regulatory expectations for evaluations, qualifications for individuals who perform evaluations, and the validation of an existing appraisal or evaluation in certain situations. Additionally, several frequently asked questions are answered. 

Approximate run time: 11:22

Link to YouTube Video

Presentation Materials - PDF


IV.  Applying Part 323 / Other Issues
The fourth video in this series applies Part 323 of the FDIC’s Rules and Regulations and the Interagency Appraisal and Evaluation Guidelines to six valuation topics for which the FDIC frequently receives questions.  These valuation topics include residential tract developments, valuations of rented single-family homes, loan modifications, adding collateral for problem loans, business enterprise value, and engagement letters.

Approximate run time: 18:50

Link to YouTube Video

Presentation Materials - PDF


V.  Appraisal and Evaluation Review
The fifth video in this series focuses on the regulatory expectations for the review of both appraisals and evaluations.  An appropriate review program is an integral part of the credit approval process as it assesses the reasonableness of the appraisal or evaluation and ensures compliance with Federal regulations, supervisory guidance, and a bank’s internal valuation policies. Additionally, several frequently asked questions are answered.

Approximate run time: 13:41

Link to YouTube Video

Presentation Materials - PDF


VI.  Review and Additional Resources
The sixth and final video in this series on appraisals and evaluations reviews the major take-away points discussed in the preceding segments.  Additionally, a listing of resources and reference materials used in the development of this series is provided.

Approximate run time: 09:19

Link to YouTube Video

Presentation Materials - PDF


 



Last Updated 12/04/2013 supervision@fdic.gov