In response to recent questions concerning appraisal regulations and guidance, the federal banking agencies today issued a set of FAQs intended to offer additional clarification. The FAQs — which the agencies said do not introduce new policy or guidance — address a range of topics including regulatory and statutory requirements relating to appraisals and evaluations; review of appraisals and evaluations by financial institutions; exemptions in the appraisal rule; development of appraisals and evaluations; and appraisal independence.
ABA DataBank: Pour decisions – Americans drinking less
In 2025, just 54% of U.S. adults reported drinking alcohol, the lowest level Gallup has ever recorded, as a majority of Americans now believe even moderate drinking is bad for their health.









