Reading the actual guideline text below — never a general AI guess

Fair Housing and Appraisal Bias: Plain Language Explanation

Here's what these guidelines actually require: We cannot let a homeowner's race, color, religion, sex, age, disability, family status, national origin, or other protected characteristics influence how we value a property—and that rule applies whether those characteristics belong to the owner, the people living there, or people in the neighborhood. Multiple agencies (HUD, Fannie Mae, and the appraisal standards bodies) have all strengthened their rules on this because bias in appraisals was undermining fair access to credit. If we spot discrimination happening in an appraisal, we're required to report it immediately to HUD's fair housing office using their form or calling their hotline at 1-800-669-9777. The standards make clear that every appraisal must be performed independently, objectively, and free of bias, and our job is to give our own honest professional judgment based solely on property facts and market data—nothing else.

Straight from HUD/FHA Single Family Handbook 4000.1, Fannie Mae Selling Guide, and UAD 3.6 / URAR (FNMA) — nothing added.

California's Fair Appraisal Act establishes anti-bias requirements

California passed the Fair Appraisal Act requiring bias statements in contracts, establishing that appraisers cannot base valuations on protected characteristics, and mandating state data collection on bias-related complaints.

Appraisal Standards Board modifies USPAP requirements for fair housing obligations effective January 2, 2024

The Appraisal Standards Board implemented clarifications to the Uniform Standards of Appraisal Practice to improve appraiser ethical obligations under federal fair housing laws and regulations.