# 119-hr-5975: Appraisal Modernization Act

119-hr-5975, Appraisal Modernization Act, is a 119th Congress bill sponsored by Rep. Pressley, Ayanna [D-MA-7] (D-MA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5975
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5975
- Congress: 119
- Title: Appraisal Modernization Act
- Status: introduced
- Introduced: 2025-11-07
- Sponsor: Rep. Pressley, Ayanna [D-MA-7] (D-MA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**A new consumer right to challenge a home appraisal** would give borrowers a clear process to request a reconsideration or a new appraisal, set rules for what counts as unacceptable appraisal practices, and push regulators to write implementing rules. The bill adds standards for flawed or unsupported appraisals and requires lenders to run internal reviews and follow a standardized reconsideration process.

## Provisions PRIA read

- Right to challenge your home appraisal: benefit, medium. If enacted, you could ask your lender to reconsider your home’s appraisal for a loan on your main home. You would get one request per loan, made before closing or within 60 days after a denial. You could submit up to five alternative comparable homes and other data using a standard form. Lenders wo…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-7973: Momnibus Act
- 119-hr-2038: American Housing and Economic Mobility Act of 2025
- 119-hr-5658: Child Care for Every Community Act
- 119-hr-3971: Domestic Workers Bill of Rights Act

## Sources
- [119-hr-5975 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5975)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-2038: American Housing and Economic Mobility Act of 2025](https://policyrisk.com/legislation/119-hr-2038)
- [119-hr-5658: Child Care for Every Community Act](https://policyrisk.com/legislation/119-hr-5658)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5975 (as of 2026-04-21).