# 119-s-2322: Appraisal Modernization Act

119-s-2322, Appraisal Modernization Act, is a 119th Congress bill sponsored by Sen. Warnock, Raphael G. [D-GA] (D-GA); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-2322
- 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-2322
- Congress: 119
- Title: Appraisal Modernization Act
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Sen. Warnock, Raphael G. [D-GA] (D-GA)
- Cosponsors: 7
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**This bill would create a national Public Appraisal Database** to make appraisal records transparent and would give homebuyers a formal process to challenge or get a new appraisal when concerns arise. - Families and borrowers gain a formal reconsideration process that lets them submit one challenge before closing or within 60 days of denial; if problems or discrimination remain, the creditor must pay for a subsequent appraisal and certain reports must be forwarded to licensing or enforcement bodies. Documents related to reconsideration must be kept for seven years. - Mortgage providers and valuation players must deliver legacy appraisal data within 180 days and modernized data within 1 year, then provide quarterly updates; a public searchable database and a modernized database must be online within 2 years and updated quarterly. - Federal regulators, state appraiser regulators, and certain enforcement agencies get access to unmodified data for oversight; the public database will include appraisal-level details plus census tract and the Home Mortgage Disclosure Act race and ethnicity fields to help spot market patterns and potential bias.

## Cosponsors (7)

- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2025-07-17T00:00:00.000Z
- Sen. Blunt Rochester, Lisa [D-DE] (D-DE), 2025-07-17T00:00:00.000Z
- Sen. Kim, Andy [D-NJ] (D-NJ), 2025-07-17T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2025-07-17T00:00:00.000Z
- Sen. Warren, Elizabeth [D-MA] (D-MA), 2025-07-17T00:00:00.000Z
- Sen. Warner, Mark R. [D-VA] (D-VA), 2025-07-28T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2025-12-16T00:00:00.000Z

## Provisions PRIA read

- Public national home appraisal database: mixed, high. If enacted, the Agency would publish two public databases of home appraisals. Agencies must deliver appraisals from Jan 1, 2017 within 180 days and start quarterly submissions within 1 year. The Agency must make both databases searchable and downloadable within 2 years and update the modern file ev…
- New appraisal review rights for homeowners: mixed, medium. If enacted, you could ask for one appraisal reconsideration or one new appraisal for a loan on your main home. Lenders would have to review appraisals before giving them to you and give standard notices and a form at application and at delivery. You must file your request before closing or within 6…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act
- 119-s-2150: Women’s Health Protection Act of 2025

## Sources
- [119-s-2322 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2322)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [119-s-2150: Women’s Health Protection Act of 2025](https://policyrisk.com/legislation/119-s-2150)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2322 (as of 2025-12-21).