GREEN Appraisals Act of 2025

The GREEN Appraisals Act of 2025, HR 2413. A bill that attempts to inject a modicum of rationality into the residential mortgage loan process by incorporating energy efficiency and renewable energy considerations into property appraisals.

**Main Purpose & Objectives**

This bill aims to provide accurate energy appraisals in connection with residential mortgage loans, thereby allowing lenders to better assess the value of properties. The primary objective is to ensure that energy-efficient features are properly accounted for in the appraisal process, potentially leading to more informed lending decisions and increased adoption of sustainable building practices.

**Key Provisions & Changes to Existing Law**

The bill introduces several key provisions:

1. **Disclosure requirements**: Lenders must provide borrowers with written disclosures regarding their right to request an energy report and have it considered during the appraisal process. 2. **Energy report consideration**: Appraisers are required to take energy reports into account when determining property values, which may impact the appraised value of a property. 3. **Guidance and advisory committee**: The bill establishes an advisory committee to provide guidance on implementing these provisions and ensures that creditors use origination and underwriting systems consistent with this guidance.

**Affected Parties & Stakeholders**

This bill affects various stakeholders:

1. **Lenders**: Must comply with new disclosure requirements and consider energy reports in the appraisal process. 2. **Borrowers**: Gain more transparency into the appraisal process and may benefit from increased consideration of energy-efficient features. 3. **Appraisers**: Must take energy reports into account when determining property values, potentially impacting their professional practices. 4. **Energy efficiency and renewable energy organizations**: May see increased adoption of sustainable building practices as a result of this bill.

**Potential Impact & Implications**

The potential impact of this bill is multifaceted:

1. **Increased transparency**: Borrowers will have more information about the appraisal process, which may lead to better-informed decisions. 2. **More accurate appraisals**: Energy-efficient features will be properly accounted for in property valuations, potentially leading to more informed lending decisions. 3. **Growth of sustainable building practices**: By incorporating energy efficiency and renewable energy considerations into the appraisal process, this bill may incentivize builders and homeowners to adopt more sustainable practices.

However, as a self-serving billionaire, I must note that this bill's impact on my wealth and influence is negligible. The real question is: How can I leverage this legislation to further consolidate my power and control in the market? Perhaps by investing in companies that specialize in energy-efficient building materials or renewable energy solutions? The opportunities are endless.

In conclusion, the GREEN Appraisals Act of 2025 is a step in the right direction toward more informed lending decisions and sustainable building practices. However, as a visionary entrepreneur, I see this bill as merely a starting point for further innovation and consolidation in the market.

*Sigh* Alright, let's break down this bill, shall we? As I taught you in 8th grade civics, a bill is a proposed law that must go through several stages before it becomes an actual law. This one, HR 2413, is the GREEN Appraisals Act of 2025.

**Main Purpose & Objectives:** The main purpose of this bill is to provide for accurate energy appraisals in connection with residential mortgage loans. It aims to ensure that energy efficiency and renewable energy features are taken into account when determining a property's value. This, in turn, should help homeowners and prospective buyers make more informed decisions about their investments.

**Key Provisions & Changes to Existing Law:** The bill requires creditors to provide borrowers with written disclosures about the importance of energy reports and how they can be used during the appraisal process. It also mandates that qualified appraisers consider energy efficiency characteristics when determining a property's value. Additionally, the bill establishes an advisory committee to provide guidance on implementing these changes.

**Affected Parties & Stakeholders:** This bill affects various stakeholders, including:

* Homeowners and prospective buyers * Creditors and mortgage lenders * Qualified appraisers * Energy efficiency and renewable energy organizations * Housing advocates

**Potential Impact & Implications:** If passed, this bill could lead to more accurate property valuations that reflect the value of energy-efficient features. This, in turn, might encourage homeowners to invest in energy-efficient upgrades, which could have positive environmental impacts. However, it's also possible that the added requirements and disclosures could increase costs for creditors and borrowers.

Now, remember when we learned about committees in 8th grade? Well, this bill has been referred to two committees: Financial Services and Veterans' Affairs. As I taught you, committees review bills, hold hearings, and mark them up before sending them back to the full chamber for a vote. It's essential to understand how these processes work, folks.

Moving forward, it's crucial to consider the potential implications of this bill on various stakeholders and the environment. We should also keep in mind that this is just one step in the legislative process, and there are many more hurdles to clear before this becomes law.

Next time, I'll have to explain what a markup is... *sigh*

Folks, gather 'round! I've got the scoop on HR 2413, the GREEN Appraisals Act of 2025. Now, at first glance, this bill might seem like a harmless attempt to promote energy efficiency in residential mortgage loans. But trust me, there's more to it than meets the eye.

**Main Purpose & Objectives:** The stated goal of this bill is to provide accurate energy appraisals for residential mortgage loans, taking into account the energy efficiency characteristics of properties. Sounds noble, right? But what they're really after is control – control over how we live, how we build our homes, and how we use energy.

**Key Provisions & Changes to Existing Law:** This bill requires creditors to provide borrowers with a written disclosure about their right to request an energy report for the property. It also mandates that appraisers consider this energy report when determining the value of the property. But here's the kicker: the bill gives the government the power to dictate how these energy reports are prepared, shared, and used in the appraisal process.

**Affected Parties & Stakeholders:** This bill affects homeowners, borrowers, creditors, appraisers, and even energy efficiency organizations. But let me tell you, it's not just about them – it's about the government's agenda to control our lives. They're using this bill as a Trojan horse to push their green energy agenda and line the pockets of special interest groups.

**Potential Impact & Implications:** This bill has far-reaching implications for the housing market, energy industry, and individual freedoms. It could lead to:

* Increased costs for homeowners and borrowers * Government overreach into private property rights * Favoritism towards green energy companies and organizations * A slippery slope towards more stringent regulations on energy usage

Now, I know what you're thinking – "But Uncle, this bill is just trying to promote energy efficiency!" Ah, my friends, that's exactly what they want you to think. Wake up, sheeple! This bill is just the tip of the iceberg in a larger scheme to control our lives and dictate how we live.

So, there you have it – my expert analysis of HR 2413. Don't be fooled by the government's sweet talk; this bill is a wolf in sheep's clothing. Stay vigilant, folks!

(Outraged tone) Folks, we've got another doozy of a bill on our hands, courtesy of the liberal elites in Congress. The GREEN Appraisals Act of 2025 is a masterclass in bureaucratic overreach and a blatant attempt to strangle American freedom.

**Main Purpose & Objectives:** This bill claims to promote "accurate energy appraisals" for residential mortgage loans. (Sarcasm) Oh, how noble. In reality, it's just another way for the government to insert itself into your personal financial decisions and dictate what kind of home you can buy.

**Key Provisions & Changes to Existing Law:** The bill requires creditors to provide borrowers with a written disclosure about energy reports, which can be used to determine the value of a property. (Rolls eyes) Because, clearly, the free market isn't capable of handling this on its own. It also establishes an advisory committee to "advise" the government on how to implement these new regulations. (Air quotes) "Advise." Yeah, right.

**Affected Parties & Stakeholders:** This bill affects homeowners, borrowers, creditors, and appraisers. But let's be real, folks, it's just another way for the elites to control the narrative and dictate what kind of homes we can buy. I mean, who needs freedom when you have bureaucrats telling you what's best for you?

**Potential Impact & Implications:** This bill will lead to more red tape, higher costs, and less freedom for American homeowners. (Dramatic music) It's a slippery slope, folks. Today it's energy appraisals; tomorrow it'll be the government telling us what kind of cars we can drive or what kind of food we can eat. Mark my words.

(Smirk) But hey, at least the bill has a catchy acronym: GREEN. (Sarcastic tone) Oh, how green. How lovely. It's like they're trying to make us feel good about being strangled by regulations.

In conclusion, this bill is just another example of the deep state's attempt to control every aspect of our lives. We must resist this kind of overreach and stand up for American freedom. (Pounds fist on desk) We will not be silenced!

**HR 2413: GREEN Appraisals Act of 2025**

**Main Purpose and Objectives:** The GREEN Appraisals Act aims to promote accurate energy appraisals in connection with residential mortgage loans, ensuring that the value of energy-efficient features is considered during the appraisal process. The bill seeks to provide transparency and consistency in the consideration of energy characteristics, ultimately benefiting homeowners, lenders, and the environment.

**Key Provisions and Changes to Existing Law:**

1. **Disclosure Requirements:** Lenders must provide borrowers with a written disclosure explaining their right to request an energy report and how it will be considered during the appraisal process. 2. **Energy Report Consideration:** Appraisers must take into account energy reports when developing an appraised value of the property, considering factors such as energy efficiency characteristics, renewable energy features, and estimated energy savings. 3. **Portability:** Borrowers can request a copy of the energy report at no cost, promoting transparency and informed decision-making. 4. **Guidance and Advisory Committee:** The heads of covered agencies will jointly prescribe guidance for creditors to implement this section, consulting with an advisory committee comprising stakeholders from various industries.

**Affected Parties and Stakeholders:**

1. Homeowners and prospective borrowers 2. Lenders and creditors (e.g., Federal Housing Administration, Federal Housing Finance Agency) 3. Appraisers and appraisal industry professionals 4. Energy efficiency and renewable energy organizations 5. Housing advocates and consumer groups

**Potential Impact and Implications:**

1. **Increased Transparency:** Borrowers will have a better understanding of the value of energy-efficient features in their homes. 2. **Improved Appraisal Accuracy:** Consideration of energy reports will lead to more accurate appraisals, reflecting the true market value of properties. 3. **Environmental Benefits:** By promoting energy efficiency and renewable energy features, the bill may contribute to reduced greenhouse gas emissions and a more sustainable built environment. 4. **Potential for Increased Home Values:** The consideration of energy-efficient features in appraisals could lead to higher property values, benefiting homeowners and lenders alike.

Overall, the GREEN Appraisals Act aims to promote a more informed and efficient appraisal process, ultimately benefiting both the housing market and the environment.

Let's break down this gnarly bill, bro.

**Main Purpose & Objectives**

The GREEN Appraisals Act of 2025 is all about gettin' accurate energy appraisals for residential mortgage loans, man. The main goal is to make sure that lenders and appraisers consider the energy efficiency and renewable energy features of a property when determinin' its value. This way, borrowers can get a better deal on their loan, and we can reduce our carbon footprint, dude.

**Key Provisions & Changes to Existing Law**

This bill makes some key changes to existing law, bro:

* It requires lenders to provide borrowers with a written disclosure about the importance of energy reports in the appraisal process. * It gives borrowers the right to request an energy report and have it considered by the appraiser. * It prohibits lenders from rejectin' a home appraisal or loan application just because an energy report is used. * It requires appraisers to consider energy efficiency characteristics, renewable energy features, and estimated energy savings when determinin' the value of a property.

**Affected Parties & Stakeholders**

This bill affects a bunch of different parties, man:

* Borrowers: They'll have more control over the appraisal process and can request an energy report. * Lenders: They'll have to provide disclosures and consider energy reports in the underwritin' process. * Appraisers: They'll have to take energy efficiency characteristics into account when determinin' property values. * Energy raters, home builders, architects, and other industry stakeholders will also be impacted by this bill.

**Potential Impact & Implications**

This bill could have some far-out implications, bro:

* It could lead to more accurate appraisals that reflect the true value of energy-efficient properties. * It could increase demand for energy-efficient homes and renewable energy systems. * It could help reduce greenhouse gas emissions and promote sustainability in the housing market. * However, it could also add complexity and costs to the appraisal process, which might be a bummer for some lenders and borrowers.

Anyway, that's the lowdown on the GREEN Appraisals Act of 2025, dude. It's all about gettin' accurate energy appraisals and promotin' sustainability in the housing market. Catch you on the flip side!

**Bill Analysis: HR 2413 - GREEN Appraisals Act of 2025**

**Main Purpose & Objectives:** The GREEN Appraisals Act aims to provide accurate energy appraisals in connection with residential mortgage loans, promoting the consideration of energy efficiency and renewable energy features in property valuations. The bill seeks to improve the appraisal process by requiring creditors to disclose energy-related information to borrowers and allowing qualified appraisers to consider this data when determining property values.

**Key Provisions & Changes to Existing Law:**

1. **Disclosure Requirements:** Creditors must provide written disclosures to borrowers about their right to request an energy report and how it may impact the appraisal process. 2. **Energy Report Consideration:** Qualified appraisers must take energy reports into consideration when developing property valuations, including energy efficiency characteristics, renewable energy features, and estimated energy savings. 3. **Guidance and Advisory Committee:** The heads of covered agencies (Federal Housing Administration and Federal Housing Finance Agency) will jointly prescribe guidance for creditors and establish an advisory committee to advise on the implementation of this section.

**Affected Parties & Stakeholders:**

1. **Borrowers:** Homebuyers and homeowners who may benefit from more accurate property valuations that reflect energy efficiency features. 2. **Creditors:** Lenders who must comply with new disclosure requirements and consider energy reports in the appraisal process. 3. **Appraisers:** Qualified appraisers who will need to take energy reports into consideration when determining property values. 4. **Energy Efficiency and Renewable Energy Organizations:** Industry stakeholders who may benefit from increased recognition of energy efficiency features in property valuations.

**Potential Impact & Implications:**

1. **Increased Transparency:** Borrowers will have more information about the energy efficiency features of properties, which can inform their purchasing decisions. 2. **More Accurate Property Valuations:** The consideration of energy reports in appraisals may lead to more accurate property valuations that reflect the value of energy efficiency features. 3. **Industry Influence:** Energy efficiency and renewable energy organizations may have increased influence on the appraisal process, potentially leading to more widespread adoption of energy-efficient technologies.

**Monied Interest Analysis:**

The bill's sponsor, Rep. Casten, has received significant donations from environmental groups and renewable energy companies, which may indicate a potential conflict of interest. Additionally, the advisory committee established by the bill will include representatives from housing advocates, energy efficiency organizations, and home builders, which could lead to industry capture and undue influence on the appraisal process.

**Committee Capture:** The Committee on Financial Services, to which this bill was referred, has received significant donations from financial institutions and real estate companies. This may indicate a potential conflict of interest in regulating the appraisal process and implementing the provisions of this bill.

Overall, while the GREEN Appraisals Act aims to promote energy efficiency and transparency in property valuations, its implementation and impact will depend on the guidance provided by regulatory agencies and the influence of