# 119-s-1178: GREEN Appraisals Act of 2025

119-s-1178, GREEN Appraisals Act of 2025, is a 119th Congress bill sponsored by Sen. Bennet, Michael F. [D-CO] (D-CO); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-1178
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1178
- Congress: 119
- Title: GREEN Appraisals Act of 2025
- Status: introduced
- Introduced: 2025-03-27
- Sponsor: Sen. Bennet, Michael F. [D-CO] (D-CO)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Energy-informed home appraisals** — this bill would require lenders in five federal mortgage programs to offer borrowers an energy report option and ensure appraisers consider energy efficiency and renewable features when valuing homes. - Borrowers would get an energy disclosure with standard loan papers, can request a free portable energy report, and lenders must provide that report to appraisers with the borrower’s consent starting March 1, 2026. Appraiser consideration may raise, lower, or not change the appraised value and may not be used alone to reject an appraisal or loan. - Qualified appraisers would have to consider efficiency characteristics, renewable features, estimated energy savings, and energy use compared to similar homes after completing 7 or more hours of approved continuing education. - Creditors would have to use the appraised value from a qualified appraiser and update underwriting and verification systems to handle appraisals that include energy reports. Federal housing agencies must issue joint guidance and establish a stakeholder advisory committee to advise on implementation.

## Provisions PRIA read

- Agency guidance and advisory committee: benefit, medium. This bill would require the heads of the covered agencies to issue joint guidance on how creditors should disclose, prepare, and share energy reports and what appraisal approaches are acceptable. They would consult an advisory committee that includes housing, energy, builder, lender, appraiser, and…
- What counts as an energy report: benefit, low. This bill would define an energy report as a study of a home's energy features, estimated energy costs or savings, and estimated energy produced by renewables. Reports would have to follow agency guidance or approved methods such as HERS or the Department of Energy's Home Energy Score and include q…
- Appraisers must consider energy reports: mixed, medium. This bill would require a qualified appraiser who is given an energy report to consider it when developing the appraised value. The appraiser would consider efficiency features, renewable-energy features, estimated energy savings, and how the home's energy use compares to similar homes. To be a qua…
- New lender rules for energy reports: mixed, medium. This bill would require lenders taking applications for covered mortgages to give borrowers a written notice the same day they give standard loan disclosures. The notice would say borrowers can request or provide an energy report and that an appraiser may consider it and the appraised value could g…

## Related bills

- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-5022: Cannabis Administration and Opportunity Act
- 119-s-5283: Momnibus Act
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act

## Sources
- [119-s-1178 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1178)

## Related
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-5022: Cannabis Administration and Opportunity Act](https://policyrisk.com/legislation/119-s-5022)
- [119-s-5283: Momnibus Act](https://policyrisk.com/legislation/119-s-5283)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1178 (as of 2025-12-21).