source:
  type: regulation
  id: avm-12cfr-34.222
  authority: 12 CFR 34.222 — Quality control standards for automated valuation models
  description: Full verbatim text of 12 CFR 34.222 (interagency AVM quality control standards, OCC adoption
    at 12 CFR part 34, subpart G). Captures the chapeau requiring mortgage originators and secondary market
    issuers to adopt and maintain policies, practices, procedures, and control systems for AVMs used in
    credit decisions or covered securitization determinations, plus each of the five enumerated quality-control
    factors (a)-(e). Text captured section-by-section from the eCFR XML snapshot of 12 CFR part 34.
obligations:
- id: avm-12cfr-34.222-full
  canonical_id: avm-12cfr-34.222-full
  section: 12 CFR 34.222 — Quality control standards
  description: '&#xA7; 34.222 Quality control standards. Mortgage originators and secondary market issuers
    that engage in credit decisions or covered securitization determinations themselves, or through or
    in cooperation with a third-party or affiliate, must adopt and maintain policies, practices, procedures,
    and c…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR 34.222 — Quality control standards for automated valuation models — Quality control
      standards (chapeau)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: c83b2c631a32486e
    fetched_at: '2026-05-27T16:43:31+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: '&#xA7; 34.222 Quality control standards. Mortgage originators and secondary market
      issuers that engage in credit decisions or covered securitization determinations themselves, or
      through or in cooperation with a third-party or affiliate, must adopt and maintain policies, practices,
      procedures, and control systems to ensure that automated valuation models used in these transactions
      adhere to quality control standards designed to:'
    drafter_attestation: Verbatim subsection of CFR §34.222 from eCFR snapshot c83b2c631a32486e; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: avm-12cfr-34.222-a
  canonical_id: avm-12cfr-34.222-a
  section: 12 CFR 34.222 — Quality control standards(a)
  description: '(a): (a) Ensure a high level of confidence in the estimates produced;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR 34.222 — Quality control standards for automated valuation models — Quality control
      standards (chapeau)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: c83b2c631a32486e
    fetched_at: '2026-05-27T16:43:31+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (a) Ensure a high level of confidence in the estimates produced;
    drafter_attestation: Verbatim subsection of CFR §34.222 from eCFR snapshot c83b2c631a32486e; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: avm-12cfr-34.222-b
  canonical_id: avm-12cfr-34.222-b
  section: 12 CFR 34.222 — Quality control standards(b)
  description: '(b): (b) Protect against the manipulation of data;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR 34.222 — Quality control standards for automated valuation models — Quality control
      standards (chapeau)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: c83b2c631a32486e
    fetched_at: '2026-05-27T16:43:31+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (b) Protect against the manipulation of data;
    drafter_attestation: Verbatim subsection of CFR §34.222 from eCFR snapshot c83b2c631a32486e; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: avm-12cfr-34.222-c
  canonical_id: avm-12cfr-34.222-c
  section: 12 CFR 34.222 — Quality control standards(c)
  description: '(c): (c) Seek to avoid conflicts of interest;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR 34.222 — Quality control standards for automated valuation models — Quality control
      standards (chapeau)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: c83b2c631a32486e
    fetched_at: '2026-05-27T16:43:31+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (c) Seek to avoid conflicts of interest;
    drafter_attestation: Verbatim subsection of CFR §34.222 from eCFR snapshot c83b2c631a32486e; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: avm-12cfr-34.222-d
  canonical_id: avm-12cfr-34.222-d
  section: 12 CFR 34.222 — Quality control standards(d)
  description: '(d): (d) Require random sample testing and reviews; and'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR 34.222 — Quality control standards for automated valuation models — Quality control
      standards (chapeau)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: c83b2c631a32486e
    fetched_at: '2026-05-27T16:43:31+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (d) Require random sample testing and reviews; and
    drafter_attestation: Verbatim subsection of CFR §34.222 from eCFR snapshot c83b2c631a32486e; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: avm-12cfr-34.222-e
  canonical_id: avm-12cfr-34.222-e
  section: 12 CFR 34.222 — Quality control standards(e)
  description: '(e): (e) Comply with applicable nondiscrimination laws.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR 34.222 — Quality control standards for automated valuation models — Quality control
      standards (chapeau)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: c83b2c631a32486e
    fetched_at: '2026-05-27T16:43:31+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (e) Comply with applicable nondiscrimination laws.
    drafter_attestation: Verbatim subsection of CFR §34.222 from eCFR snapshot c83b2c631a32486e; section-bounded
      by § markers; substring-verified.
  judgment: false
