Commercial Lenders: Regulation B Appraisal Requirements

It’s no secret that there are far less regulatory disclosure requirements for commercial loans. This often results in commercial lenders thinking they don’t need to worry about compliance. Obviously, this isn’t the case. An area that often gets over looked are the Regulation B appraisal requirements. These apply to any loan application that is or will be secured by a first lien on a 1-4 family dwelling. There is no distinction between consumer or commercial purpose. So, if your commercial lenders are taking applications secured by 1-4 family dwellings,Regulation B needs to at least be on their radar.

Kevin explains more in the video.


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Published
2026/02/12

Kevin Edwards

Kevin brings years of experience and a unique perspective on regulatory matters to our clients. A self-proclaimed geek and accredited CRCM, Kevin is also a recovering attorney with experience as in-house counsel for a large regional bank and one of the leading national title insurance providers. For reasons unknown, Kevin decided to leave the safety and serenity of his desk job to seek fortune and glory as a wandering adventurer. Like a bank compliance version of Kwai Chang Caine, The Man with No Name or Don Quixote, he now travels the land seeking to help those in need and righting compliance wrongs, wherever he may find them. Kevin lives in Sioux Falls with his two children, who are surprisingly normal after having endured their father’s vivid imagination for their entire lives. He won’t admit to having any hobbies, because apparently “Regulations never sleep.” (While he does say this in his Batman voice, we’re pretty sure he’s joking.) From the looks of his Facebook page, he likes the outdoors and spending time with his large extended family (who seem like relatively normal people).

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