Much attention has been given to pervasive bias in the appraisal industry and the structural corrections required to make the system equitable. This panel will address the specific industry changes required for real reform and the political, economic, and technical barriers to making change in an industry that has long operated without the necessary oversight. On the heels of many discussions in recent months on the topic, extensive media coverage, and a record number of appraisal discrimination complaint filings, this panel will engage in an honest conversation that cuts through the rhetoric. This panel includes federal agency practitioners who have been leading efforts to drive real change. They will share their clear-eyed insights into what solutions will be required to truly reform the industry to ensure appraisals are fair and accurate.