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S 1178119th CongressIntroduced
GREEN Appraisals Act of 2025
Introduced: Oct 28, 2025
Standard Summary
Comprehensive overview in 1-2 paragraphs
S. 1178, the GREEN Appraisals Act of 2025, requires energy reports to be provided to borrowers and considered by qualified appraisers for covered residential mortgage loans, establishes disclosure requirements, and creates an advisory committee to guide implementation.
Key Points
- 1Creditors must provide borrowers with an energy report and disclose the right to obtain one.
- 2Qualified appraisers must consider the energy report when determining property value but cannot reject the loan on that basis.
- 3Guidance and an advisory committee of stakeholders are established to develop implementation procedures.
- 4The provisions apply to covered loans insured, purchased, or guaranteed by covered agencies (FHA, Fannie Mae, Freddie Mac, etc.).
- 5Energy reports are portable to borrowers at no cost.
Impact Areas
Mortgage lenders and creditorsAppraisers and appraisal firmsBorrowers of covered residential mortgage loansEnergy efficiency and renewable energy industryHousing market participants
Generated by openai/gpt-oss-20b:free on Nov 20, 2025