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Harbor is a federally chartered public oversight agency, formed through statutory revision of Title XI. It replaces the ASC and absorbs the national appraisal authority currently distributed across private nonprofits and state boards.
No. Harbor is built to preserve and elevate the role of appraisers by giving them a clear national license, federal protections, and relief from state-level politics and fragmented rules.
Both the ASC and TAF are legacy structures born from a 1989 system. The ASC oversees 50 state licensing boards, and TAF receives public funds while operating as a private nonprofit. Harbor replaces both with a single accountable federal system—no more fragmentation, no more middlemen.
Yes, but they will be reviewed, reissued, and maintained by Harbor within a federal ethics and transparency framework—not by a private foundation. The content remains; the control changes.
State boards are sunset under Harbor’s model. Oversight, licensing, and enforcement are moved to the federal level, reducing redundancy and aligning appraisal with other national professions.
Yes. Harbor does not eliminate appraisal requirements—it ensures that valuation policy is governed by a stable, centralized authority, not a fragmented state-by-state structure vulnerable to lobbying and waiver manipulation.
Harbor proposes targeted amendments to Title XI of FIRREA, eliminating the ASC, ending state license mandates, and redirecting federal funds to Harbor’s internal infrastructure. This can be enacted via standalone legislation or embedded within broader housing or financial reform bills.
Harbor is a federally funded agency, but not a limited one. It inherits the funding stream previously routed through the ASC and expands it through multiple revenue-generating arms.
As the centralized authority for valuation in the United States, Harbor conducts all appraisals—human and automated—across the federal housing system. This includes traditional appraisals, AVMs, disaster inspections, and valuation tools used in underwriting, loan surveillance, and risk analysis. With full operational control of valuation pipelines, Harbor sustains itself through federal appropriations and direct service contracts—delivering modern oversight without relying on licensing fees or outside grants.
Harbor isn’t an adjustment to the old system—it’s a replacement. Unlike the ASC, Harbor doesn’t monitor state boards or issue grants. Unlike TAF, it doesn’t operate as a private nonprofit setting national policy from the outside. Harbor is a federally chartered agency with direct authority, clear funding, and no middle layers.
Where ASC and TAF relied on delegation, Harbor brings integration. Licensing, enforcement, standards, and modernization all operate within a unified federal structure—transparent, accountable, and built for the scale of today’s housing system.
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