source:
  type: regulation
  id: occ-12cfr-34.46
  authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.46 — Professional association membership;
    competency
  description: '12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC), §34.46 Professional association membership;
    competency. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: occ-12cfr-34.46-a
  canonical_id: occ-12cfr-34.46-a
  section: 12 CFR §34.46(a)
  description: 'Professional association membership; competency — (a): (a) Membership in appraisal organizations.
    A State certified appraiser or a State licensed appraiser may not be excluded from consideration for an assignment
    for a federally related transaction solely by virtue of membership or lack of membership in any particular appraisal
    organization.'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.46
    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) Membership in appraisal organizations. A State certified appraiser or a State licensed
      appraiser may not be excluded from consideration for an assignment for a federally related transaction solely
      by virtue of membership or lack of membership in any particular appraisal organization.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.46 subsection (a) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
- id: occ-12cfr-34.46-b
  canonical_id: occ-12cfr-34.46-b
  section: 12 CFR §34.46(b)
  description: 'Professional association membership; competency — (b): (b) Competency. All staff and fee appraisers
    performing appraisals in connection with federally related transactions must be State certified or licensed,
    as appropriate. However, a State certified or licensed appraiser may not be considered competent solely by virtue
    of being certified or licensed. …'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.46
    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) Competency. All staff and fee appraisers performing appraisals in connection with federally
      related transactions must be State certified or licensed, as appropriate. However, a State certified or licensed
      appraiser may not be considered competent solely by virtue of being certified or licensed. Any determination
      of competency shall be based upon the individual's experience and educational background as they relate to
      the particular appraisal assignment for which he or she is being considered.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.46 subsection (b) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
