# 119-s-1635: Appraisal Industry Improvement Act

119-s-1635, Appraisal Industry Improvement Act, is a 119th Congress bill sponsored by Sen. Cramer, Kevin [R-ND] (R-ND); status introduced; PRIA reads it as touching household money (as of 2026-05-07).

- Canonical: https://policyrisk.com/legislation/119-s-1635
- As of: 2026-05-07
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1635
- Congress: 119
- Title: Appraisal Industry Improvement Act
- Status: introduced
- Introduced: 2025-05-07
- Sponsor: Sen. Cramer, Kevin [R-ND] (R-ND)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-05-07

## Summary

**Strengthens appraisal standards for FHA-backed mortgages** by rewriting certification, education, and approval rules and by expanding state-credentialed trainee roles and Appraisal Subcommittee authority. This bill would set new education and competency checks and require HUD guidance with specific timelines.

## Cosponsors (1)

- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2025-05-07T00:00:00.000Z

## Provisions PRIA read

- Trainee appraisers, grants, and fees: benefit, low. If enacted, the bill would add a formal "State credentialed trainee appraiser" category to the national registry where States offer trainee credentials. States could include credentialed trainees in reports and charge an annual registry fee for trainees capped at $20. The Appraisal Subcommittee cou…
- Add agencies to FFIEC list: benefit, low. If enacted, the bill would add the Department of Veterans Affairs, the Rural Housing Service, and HUD to a listed group in a statute related to the FFIEC. This is an administrative change. It would not directly change household benefits or costs.
- New FHA appraiser rules and timing: mixed, medium. If enacted, the bill would require HUD to issue a mortgagee letter or rules within 240 days of enactment. Those rules would take effect no later than 180 days after HUD issues them. After that, appraisers for FHA-insured mortgages would need to be licensed or certified in the State where the proper…

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-4949: Water Resources Development Act of 2026
- 119-s-1748: Kids Online Safety Act
- 119-s-3492: Essential Caregivers Act of 2025
- 119-s-554: United States-Israel Defense Partnership Act of 2025
- 119-s-3940: Access to Fair Financing for Opportunity and Resilient Development Act

## Sources
- [119-s-1635 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1635)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-4949: Water Resources Development Act of 2026](https://policyrisk.com/legislation/119-s-4949)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-3492: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-s-3492)
- [119-s-554: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-s-554)
- [119-s-3940: Access to Fair Financing for Opportunity and Resilient Development Act](https://policyrisk.com/legislation/119-s-3940)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1635 (as of 2026-05-07).