United States Government Publishing Office publisher pbl distributor dst United States Government Accountability Office author aut Government Organization text government publication eng GAOREPORTS Legislative Agency Publications gao legislative 2010-08-12 U.S. Government Printing Office 2004-03-24 monographic deposited born digital 24 p. GA 1.13:GAO-04-580T https://www.govinfo.gov/app/details/GAOREPORTS-GAO-04-580T P0b002ee180379476 f:d04580t DGPO 2010-08-12 2011-03-24 GAOREPORTS-GAO-04-580T machine generated eng fdlp REPORT GAOREPORTS-GAO-04-580T GAO-04-580T Appraisals Federal regulations Federal/state relations Financial institutions Mortgage loans Real property acquisition Standards and standardization State-administered programs Private sector Testimony A09571 The appraisal and mortgage lending industry has changed dramatically since the passage of Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. Some have concluded that the problems Title XI was intended to address--the risk to the federal deposit insurance funds and the lack of uniform standards and qualifications--no longer exist. This statement is based on GAO's May 14, 2003, report and discusses the roles of private, state, and federal entities that oversee the appraisal industry; the challenges that Title XI presented to these entities; and industry participants' concerns about the effectiveness of the Title XI regulatory structure. https://www.govinfo.gov/content/pkg/GAOREPORTS-GAO-04-580T/html/GAOREPORTS-GAO-04-580T.htm https://www.govinfo.gov/content/pkg/GAOREPORTS-GAO-04-580T/pdf/GAOREPORTS-GAO-04-580T.pdf GAO-04-580T https://www.govinfo.gov/app/details/GAOREPORTS-GAO-04-580T Testimony GAO-04-580T; Regulatory Programs: Opportunities to Enhance Oversight of the Real Estate Appraisal Industry; Appraisals Federal regulations Federal/state relations Financial institutions Mortgage loans Real property acquisition Standards and standardization State-administered programs Private sector