The real estate appraisal industry : hearing before the Subcommittee on Housing and Transportation of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eighth Congress, second session, on certain private entities as outlined in Title IX of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, that establish uniform rules for real estate appraisals and set minimum criteria for certifying appraisers, March 24, 2004.