Who is responsible for determining applicable antidiscrimination laws in an appraisal for an FHA-insured loan?

In the context of appraisals for FHA-insured loans, the responsibility for determining applicable antidiscrimination laws primarily falls on the appraiser. This is due to the appraiser's role in ensuring that their valuation process adheres to federal regulations, including those related to fair housing, which prohibit discrimination based on race, color, religion, sex, national origin, familial status, and disability.

The appraiser must be aware of these laws as they relate to the appraisal process, ensuring that their assessments are free from bias and discrimination. This awareness is crucial not only for compliance but also for maintaining the integrity of the appraisal and the lending process.

While other parties like appraisal management companies, lenders, and borrowers are involved in the transaction, they do not have the direct responsibility for adherence to antidiscrimination laws within the appraisal itself. Appraisers are specifically trained and required to incorporate and apply these legal considerations during their evaluations, making them the party responsible for ensuring compliance with applicable antidiscrimination laws.