source:
  type: regulation
  id: occ-12cfr-34.44
  authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44 — Minimum appraisal
    standards
  description: '12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC), §34.44 Minimum appraisal
    standards. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: occ-12cfr-34.44-full
  canonical_id: occ-12cfr-34.44-full
  section: 12 CFR §34.44
  description: '&#xA7; 34.44 Minimum appraisal standards. For federally related transactions, all appraisals
    shall, at a minimum:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: '&#xA7; 34.44 Minimum appraisal standards. For federally related transactions, all
      appraisals shall, at a minimum:'
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: occ-12cfr-34.44-a
  canonical_id: occ-12cfr-34.44-a
  section: 12 CFR §34.44(a)
  description: '(a): (a) Conform to generally accepted appraisal standards as evidenced by the Uniform
    Standards of Professional Appraisal Practice (USPAP) promulgated by the Appraisal Standards Board
    of the Appraisal Foundation, ( www.appraisalfoundation.org ), unless principles of safe and sound
    banking require compli…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (a) Conform to generally accepted appraisal standards as evidenced by the Uniform
      Standards of Professional Appraisal Practice (USPAP) promulgated by the Appraisal Standards Board
      of the Appraisal Foundation, ( www.appraisalfoundation.org ), unless principles of safe and sound
      banking require compliance with stricter standards;
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: occ-12cfr-34.44-b
  canonical_id: occ-12cfr-34.44-b
  section: 12 CFR §34.44(b)
  description: '(b): (b) Be written and contain sufficient information and analysis to support the institution''s
    decision to engage in the transaction;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (b) Be written and contain sufficient information and analysis to support the institution's
      decision to engage in the transaction;
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: occ-12cfr-34.44-c
  canonical_id: occ-12cfr-34.44-c
  section: 12 CFR §34.44(c)
  description: '(c): (c) Be subject to appropriate review for compliance with the Uniform Standards of
    Professional Appraisal Practice;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (c) Be subject to appropriate review for compliance with the Uniform Standards of
      Professional Appraisal Practice;
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: occ-12cfr-34.44-d
  canonical_id: occ-12cfr-34.44-d
  section: 12 CFR §34.44(d)
  description: '(d): (d) Analyze and report appropriate deductions and discounts for proposed construction
    or renovation, partially leased buildings, non-market lease terms, and tract developments with unsold
    units;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (d) Analyze and report appropriate deductions and discounts for proposed construction
      or renovation, partially leased buildings, non-market lease terms, and tract developments with unsold
      units;
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: occ-12cfr-34.44-e
  canonical_id: occ-12cfr-34.44-e
  section: 12 CFR §34.44(e)
  description: '(e): (e) Be based upon the definition of market value as set forth in this subpart; and'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (e) Be based upon the definition of market value as set forth in this subpart; and
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: occ-12cfr-34.44-f
  canonical_id: occ-12cfr-34.44-f
  section: 12 CFR §34.44(f)
  description: '(f): (f) Be performed by State licensed or certified appraisers in accordance with requirements
    set forth in this subpart. [59 FR 29500, June 7, 1994, as amended at 79 FR 28400, May 16, 2014; 84
    FR 53597, Oct. 8, 2019]'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.44
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (f) Be performed by State licensed or certified appraisers in accordance with requirements
      set forth in this subpart. [59 FR 29500, June 7, 1994, as amended at 79 FR 28400, May 16, 2014;
      84 FR 53597, Oct. 8, 2019]
    drafter_attestation: Verbatim subsection of CFR §34.44 from eCFR snapshot b9176c4f9bb030c2; section-bounded
      by § markers; substring-verified.
  judgment: false
