Appraisal and Evaluation Compliance Update Seminar

If you are not a KBA member, please contact Jamie Hampton at jhampton@kybanks.com for the possibility of attending at a non-member rate.

Online registrations are followed up with an email confirmation. Once an online registration is started you must click proceed to check-out and then click submit to finalize the registration. Registrants can view events they are registered for by using the MyKBA link on https://www.kybanks.com.

The 2026 Appraisal and Evaluation Compliance seminar provides essential risk management principles and is highly relevant for professionals engaged in the appraisal or evaluation functions within banking. This includes individuals responsible for ordering, managing, or reviewing appraisals, conducting evaluations, and overseeing real estate lending risk management.   


This seminar will update you on current regulations and regulatory changes made by the current administration, Agency Guidance including your state laws on evaluations and AMCs and provide guidance on Policy & Procedure decisions.  Hot Topics such as Reconsideration of Value, Bias in the Appraisal Process, new residential appraisal form, and the Use of AI in Appraisals and Reviews will also be discussed, along with examiner findings.  
    
It’s a must know! 

Federal Laws and Agency Guidance
• EGRPRA
• PAVE Task Force – Appraisal BIAS, impact of new Executive Orders
• Reconsideration of Value (ROV)
• Use of Artificial Intelligence in Appraisals and Reviews

State Regulations
• Appraiser Certification Law and Rules
o Are evaluations allowed?
o Who can perform evaluations?
o Who can perform appraisal reviews?
o Is PAREA accepted for appraiser experience credit?
o Are bank employees exempt from State Certification Law?
• Appraisal Management Companies (AMC) Law and Rules

Appraisal Exemptions
• Evaluations vs. Appraisals
• Abundance of Caution
• Appraisal Validations (data resources)

GSE rules and recent form changes
• Reconsideration of Value (ROV)
• Waivers
• Inspections
• ANSI Measurement Requirements – new measurement technology
• New Residential Appraisal Form

The Appraisal Foundation Document Changes
• USPAP 2024, what’s next?
• Real Property Appraiser Qualification Criteria 

Policy and Procedure Development
• Engagement letters
• Review forms
• Risk Breakpoints
• Solutions!

Hot Topics for Bank Examiners

Event Brochure

When
10/15/2026 9:00 AM - 4:00 PM
Eastern Daylight Time
Where
Kentucky Society of CPAs 1735 Alliant Avenue Louisville
Registration
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About the Speaker(s)



Cheryl Bonnafons Bella
Bella Appraisal Consulting Services

Cheryl Bonnaffons Bella is a General State Certified Appraiser in the State of Louisiana and the State of Texas. She has earned both the MAI and AI-GRS (General Review Specialist) designations through The Appraisal Institute, and has actively served various positions through the Appraisal Institute at the state and regional levels, including LA Chapter President in 2013. In 2015 Cheryl Bella was appointed by the Governor of Louisiana to serve as a member of the Louisiana Real Estate Appraisers Board. Cheryl is also an AQB Certified USPAP Instructor and an instructor for Risk Managers Association (RMA). Cheryl’s financial institution compliance experience began when she was hired to establish the Appraisal Department for City National Bank (First Commerce Corporation), serving as Vice President, then Vice President of Bank One Corporation. She later joined Hancock Bank to establish an Appraisal Department in Louisiana. In Appraisal Department management Cheryl participated in due diligence analysis as part of bank acquisitions, wrote Corporate-wide appraisal policy and procedures, and authored lender training classes and manuals. In 2001 Cheryl became an independent consultant to financial institutions needing assistance in education, policy and procedure formulation, appraiser list formulation, appraisal review, and procedural documents. In 2014 Cheryl participated in the development of an appraisal management and compliance program that allows banks to manage their appraisal process in-house, a system where they maintain control of decision making and data. Cheryl serves as Chief Compliance officer for this risk management program, FICRAS (Financial Institution Complete Risk Aversion Solution), which is used by banks across the nation. Cheryl has also written and instructed annual banking compliance seminars for various state banking associations, performed compliance trainings for financial institutions and has written and presented a variety of appraisal and real estate agent seminars and webinars, including presentations for the Appraisal Institute and American Society of Appraisers national conferences. As a private contractor, she seeks educational opportunities to learn from and instruct lenders, real estate agents and appraisers on appraisal related issues, including regulatory, appraisal theory, and appraisal practices.


Education Alliance Cancellation Policy
 Substitutions are always welcome and encouraged. All cancellations and substitutions request must be submitted in writing prior to the event.

KBA Seminar Registration can be cancelled 30 days prior to the event date and receive a full refund. Cancellations received between 29 days and 10 days prior to the event will be charged a $50 processing fee. There will be no refund for cancellations received less than 10 days prior to the event.

KBA Schools Applicants can withdraw from a KBA School 10 days prior to the 1st day of the school for a refund minus a $150 cancellation fee. There is no refund if an applicant withdraws after the deadline or if applicant fails to attend the school, with the exception of extenuating circumstances. Due to commitments and expenses we cannot reverse, such as: handouts, food, beverages, room rentals, speaker fees, etc.; even extenuating circumstances will require partial refunds because of these expenses.