# Kentucky HB 355: AN ACT relating to real property appraisers. Kentucky HB 355, AN ACT relating to real property appraisers., is a 2026 Regular Session House bill sponsored by Shawn McPherson (Republican); status became law, last action 2026-04-14 (delivered to Secretary of State (Acts Ch. 172)); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/KY-HB355-2026RS - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kentucky HB 355 - State: Kentucky - Session: 2026 Regular Session - Title: AN ACT relating to real property appraisers. - Status: became law - Chamber: House - Introduced: 2026-01-13 - Last action: 2026-04-14, delivered to Secretary of State (Acts Ch. 172) - Sponsor: Shawn McPherson (Republican) - Cosponsors: 2 - Subjects: Boards And Commissions, Licensing, Occupations And Professions, Property, Real Estate, State Agencies - Touches household money: yes - Roll calls: 5 (338 yes, 21 no in all) - Economic provisions PRIA read: 18 ## Summary No summary available. ## Bill overview: provisions PRIA read - Qualified reviewers required for appraiser investigations: benefit, low. Board complaint investigators and appraisal reviewers must be state-certified appraisers with at least 10 years of experience. Their credentials must equal or exceed those of the appraiser being reviewed. They must also have experience appraising the type of property involved. Appraisers can challe… - Transportation Cabinet pays employee appraisal costs: benefit, low. The Transportation Cabinet pays specified costs for employees whose job descriptions include real property appraisals requiring certification. Covered costs include initial applications, exams, continuing education, and two-year renewals. The law does not state the amounts. - More representation options for property-tax appeals: benefit, low. Property owners can pay tax consultants, Kentucky real estate brokers, or Kentucky sales associates to represent them in assessment disputes. This covers conferences with property valuation administrators and hearings before county assessment appeal boards. Representatives must present the owner's… - Small appraisal companies get registration exemption: benefit, low. Appraisal management companies contracting for fewer than 10 Kentucky appraisals in a calendar year are exempt from state registration requirements. This exemption does not apply when state or federal law separately requires registration. Listed exemptions also cover governments, chartered financia… - Stronger oversight from Kentucky's appraiser board: benefit, low. The appraiser board must investigate every alleged violation received through its complaint process and take appropriate action. It can also discipline licensed or certified appraisers for violating KRS 324A.100. State and local prosecutors must help when asked, and the board can refer violations f… - Insurance adjusters exempt from appraisal rules: benefit, low. Kentucky's real property appraiser chapter does not cover licensed staff or independent adjusters when they settle insurance claims. Other insurance company representatives settling claims are also excluded. This exemption does not establish different claim payments or eligibility. - Banks retain authority to conduct appraisals: benefit, low. Banks, bankers, and Farm Credit System institutions can provide appraisals and appraisal reviews in their normal business. Kentucky's real property appraiser chapter does not prohibit this work. The exception applies only when it does not conflict with federal law. - Some valuation work stays outside appraisal rules: benefit, low. People licensed under another Kentucky law can keep doing work that their license authorizes. The real property appraiser chapter does not govern appraisals of personal property. Examples include furniture, livestock, vehicles, and jewelry. - Appraisers cannot negotiate property insurance claims: cost, low. Real property appraisers cannot negotiate, or advertise to negotiate, insurance claims involving real property on behalf of insured people. They can still defend their appraisal reports and the reports' accuracy. This limits the claim-negotiation help insured people can get from an appraiser. - Board advice receives limited legal protection: cost, low. The law bars legal actions arising from best-practices management advice given to licensed or certified appraisers. The protection covers advice from the board or its authorized agents. It does not extend to other board conduct or other kinds of advice. - Less time to file appraiser complaints: cost, low. Most board complaints must be filed within one year after the appraisal report or review assignment is sent. This replaces the former five-year period. The law also removes the alternative deadline tied to the end of a court case. Complaints involving actions listed in KRS 324A.050(1)(c), (d), (g),… - Shorter deadlines for appraisal legal claims: cost, low. Damages claims against Kentucky-licensed or certified appraisers and appraisal management companies generally have a one-year filing deadline. That deadline starts when the appraisal report is completed and sent to the client. Fraud or knowing and intentional misrepresentation claims have five year… - Limited appraiser entry after access refusal: cost, low. A certified appraiser chosen by a permittee or operator can enter property to estimate likely damage, including lost use. This requires an abatement notice or order, no existing legal right of entry, and refused access by the owner or occupant. The rule covers violations other than imminent health… - Appraiser fees lose fixed dollar limits: cost, low. The board sets application, exam, license, and service fees by regulation, replacing former statutory dollar caps. Fees cannot exceed what is needed to carry out and enforce the appraiser law; license and certificate fees cover two years. Reinstatement within six months after renewal requires compl… - Tighter checks for appraisal management companies: cost, low. The board can deny, suspend, revoke, refuse renewal of, or restrict company registrations because of specified offenses within the past 10 years. These include mortgage-lending or appraisal misdemeanors and offenses involving breach of trust, fraud, or dishonest dealing. Covered people include appl… - Appraiser education rules include return flexibility: mixed, low. Appraisers renew every two years and must complete at least 28 continuing education hours per period. The latest available professional standards update is due within six months, or immediately when available if unavailable then. A second update released during that period can count toward the next… - Appraisers can offer clearly labeled evaluations: mixed, low. Licensed or certified appraisers can give financial institutions market-value evaluations when federal law does not require an appraisal. Evaluations must follow federal interagency appraisal and evaluation guidelines. Appraisers cannot identify their licensed or certified status in the evaluation.… - Licenses required for real property appraisals: mixed, low. Unlicensed people cannot use “real property appraiser,” “real estate appraiser,” “real property damage appraiser,” or “appraiser” for real property or federally related transactions. Kentucky appraisal work, reviews, consulting assignments, and usual appraiser duties generally require a board licen… ## Sponsors and cosponsors - Sponsor: Shawn McPherson (Republican), House - Cosponsor: George Brown Jr. (Democrat), House - Cosponsor: Michael Sarge Pollock (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-14 | House | passed | pass | 79 | 15 | | | 2026-04-14 | Senate | passed | pass | 30 | 6 | | | 2026-03-31 | House | passed | pass | 96 | 0 | | | 2026-03-20 | Senate | 3rd reading, passed | pass | 37 | 0 | | | 2026-02-25 | House | 3rd reading, passed | pass | 96 | 0 | | ## Actions (40) - 2026-04-14: delivered to Secretary of State (Acts Ch. 172) - 2026-04-14: enrolled, signed by President of the Senate (House) - 2026-04-14: enrolled, signed by Speaker of the House (House) - 2026-04-14: received in House (House) - 2026-04-14: passed 30-6 (Senate) - 2026-04-14: veto overridden (Senate) - 2026-04-14: posted for passage for consideration of Governor's veto - 2026-04-14: to Rules (S) (Senate) - 2026-04-14: received in Senate (Senate) - 2026-04-14: passed 79-15 (House) - 2026-04-14: veto overridden (House) - 2026-04-14: posted for consideration of Governor's veto - 2026-04-14: taken from Rules (House) - 2026-04-14: to Rules (H) (House) - 2026-04-14: received in House (House) - 2026-04-10: Vetoed - 2026-03-31: delivered to Governor - 2026-03-31: enrolled, signed by President of the Senate (House) - 2026-03-31: enrolled, signed by Speaker of the House (House) - 2026-03-31: passed 96-0 (House) - 2026-03-31: House concurred in Committee Substitute (1) (House) - 2026-03-27: posted for passage for concurrence in Senate Committee Substitute (1) (Senate) - 2026-03-20: to Rules (H) (House) - 2026-03-20: received in House (House) - 2026-03-20: 3rd reading, passed 37-0 with Committee Substitute (1) (Senate) - 2026-03-19: passed over and retained in the Consent Orders of the Day (Senate) - 2026-03-18: posted for passage in the Consent Orders of the Day for Thursday, March 19 2026 (Senate) - 2026-03-11: 2nd reading, to Rules as a consent bill (Senate) - 2026-03-10: reported favorably, 1st reading, to Consent Calendar with Committee Substitute (1) (Senate) - 2026-03-06: to Banking & Insurance (S) (Senate) - 2026-02-26: to Committee on Committees (S) (Senate) - 2026-02-26: received in Senate (Senate) - 2026-02-25: 3rd reading, passed 96-0 with Committee Substitute (1) (House) - 2026-02-23: posted for passage in the Regular Orders of the Day for Tuesday, February 24 2026 (House) - 2026-02-19: 2nd reading, to Rules (House) - 2026-02-18: reported favorably, 1st reading, to Calendar with Committee Substitute (1) (House) - 2026-01-22: reassigned to Banking & Insurance (H) (House) - 2026-01-21: to Licensing, Occupations, & Administrative Regulations (H) (House) - 2026-01-13: to Committee on Committees (H) (House) - 2026-01-13: introduced in House (House) ## Bill text - Current, 2026-04-14: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb355/bill.pdf) - Introduced, 2025-12-19: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb355/orig_bill.pdf) ## Related bills - SB 197: AN ACT providing funding and establishing conditions for state government agencies and institutions, making an appropriation therefor, and declaring an emergen… (became law) - SB 133: AN ACT relating to the fiscal reporting of local entities. (signed) - HB 869: AN ACT relating to fiscal matters and declaring an emergency. (signed) - HB 727: AN ACT relating to education and declaring an emergency. (signed) - SB 324: AN ACT relating to the entertainment industry. (signed) - SB 66: AN ACT relating to the operation of a motor vehicle. (signed) ## Sources - [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb355/bill.pdf) - [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb355/orig_bill.pdf) ## Related - [SB 197: AN ACT providing funding and establishing conditions for state government agenc…](https://policyrisk.com/state-bill/KY-SB197-2026RS) - [SB 133: AN ACT relating to the fiscal reporting of local entities.](https://policyrisk.com/state-bill/KY-SB133-2026RS) - [HB 869: AN ACT relating to fiscal matters and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB869-2026RS) - [HB 727: AN ACT relating to education and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB727-2026RS) - [SB 324: AN ACT relating to the entertainment industry.](https://policyrisk.com/state-bill/KY-SB324-2026RS) - [SB 66: AN ACT relating to the operation of a motor vehicle.](https://policyrisk.com/state-bill/KY-SB66-2026RS) - [Kentucky bills](https://policyrisk.com/states/kentucky/bills) - [Kentucky state hub](https://policyrisk.com/states/kentucky) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KY-HB355-2026RS (as of 2026-11-01).