This legislation, known as the GREEN Appraisals Act of 2025, seeks to enhance the accuracy of residential mortgage loan appraisals by ensuring that a property's energy efficiency and renewable energy features are properly considered. It requires creditors to provide borrowers with a written disclosure, informing them of their right to submit or request an energy report for the property. This disclosure clarifies that while a qualified appraiser will consider the report, its impact on the final property value could be positive, negative, or neutral. Effective March 1, 2026, if a borrower consents and an energy report is available, creditors must provide it to the appraiser, and underwriting systems must accommodate such appraisals. Qualified appraisers are mandated to consider the report's information, including energy efficiency characteristics, renewable energy features, and estimated savings, assessing their relevance to the property's market value. Importantly, the consideration of an energy report cannot be used as a reason to reject a home appraisal or a loan application. Federal agencies, including the FHA, FHFA, Ginnie Mae, Rural Housing Service, and VA, are directed to jointly issue guidance for creditors on implementing these provisions. This guidance will confirm the acceptance of various appraisal approaches for energy features and establish procedures for disclosures and report sharing. An advisory committee comprising diverse stakeholders will be established to assist in this process, and within two years, agencies must ensure creditors' systems can review and score appraisals that incorporate energy reports. A qualified appraiser must be licensed and have completed specific continuing education on energy report consideration.