The 2026 Appraisal and Evaluation Compliance seminar offers essential risk management principles and is highly relevant for professionals involved in appraisal or evaluation functions within the banking industry. This includes individuals responsible for ordering, managing, or reviewing appraisals, conducting evaluations, and overseeing real estate lending risk management.
This seminar will update you on current regulations and regulatory changes made by the current administration, agency guidance, including your state laws on evaluations and AMCs, and provide guidance on policy and procedure decisions. Hot topics such as Reconsideration of Value, Bias in the Appraisal Process, and the Use of AI in Appraisals and Reviews will also be discussed, along with examiner findings. Program Outline
Federal Laws and Agency Guidance• EGRPRA• PAVE Task Force – Appraisal BIAS, impact of new Executive Orders• Reconsideration of Value (ROV)• Use of Artificial Intelligence in Appraisals
State Regulations• Appraiser Certification Law and Rules
o Are evaluations allowed?o Who can perform evaluations?o Who can perform appraisal reviews?o Is PAREA accepted for appraiser experience credit?o Are bank employees exempt from the State Certification Law?
• Appraisal Management Companies (AMC) Law and Rules
Appraisal Exemptions• Evaluations vs. Appraisals• Abundance of Caution• Appraisal Validations (data resources)
GSE rules and recent form changes• Reconsideration of Value (ROV)• Waivers• Inspections• ANSI Measurement Requirements – new measurement technology
The Appraisal Foundation Document Changes• USPAP 2024, what’s next?• Real Property Appraiser Qualification Criteria
Policy and Procedure Development• Engagement letters• Review forms• Risk Breakpoints• Solutions!
Hot Topics for Bank Examiners
InstructorCheryl Bella, MAI, AI-GRS, is a General State Certified Appraiser in Louisiana and Texas with extensive experience in financial institution risk management, appraisal compliance, and regulatory oversight. She is widely recognized for helping banks design, implement, and defend appraisal programs that meet safety and soundness expectations. Cheryl has held senior leadership roles establishing and managing appraisal departments for major financial institutions, including City National Bank (First Commerce Corporation), Bank One Corporation, and Hancock Bank. Her work has included due diligence for bank acquisitions, appraisal policy and procedure development, appraisal review, and lender training. In 2014, Cheryl participated in the development of the FICRAS® (Financial Institution Complete Risk Aversion Solution) platform, an innovative in-house appraisal management and compliance system that allows banks to retain full control of valuation decisions, data, and risk while meeting regulatory expectations. She currently serves as Chief Compliance Officer for this nationwide bank risk management platform. Cheryl is an AQB-Certified USPAP Instructor, a critical qualification given that all appraisals performed for federally regulated financial institutions must comply with USPAP, and an instructor for the Risk Management Association (RMA). She regularly provides appraisal risk management and regulatory compliance education for state banking associations and financial institutions and has served in regulatory and governance roles, including an appointment to the Louisiana Real Estate Appraisers Board and leadership within the Appraisal Institute.
Continuing EducationUnder Review
Fee Per PersonIBA Member $265Nonmember $445