; (2) by inserting except that the Appraisal Subcommittee may, in its discretion, charge a fee for trainee appraisers not exceeding $20 after $40, ; and (3) by inserting before the semicolon the following: ; except that nothing in this subparagraph may be construed to require a State to establish or operate an program for trainee appraisers . (c) Definition Section 1121 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 3350 ) is amended by adding at the end the following new paragraph: (12) Trainee appraiser The term trainee appraiser means an individual who meets the minimum criteria established by the Appraiser Qualification Board for a trainee appraiser license and is credentialed by a State appraiser certifying and licensing agency. . 4. Grants to nonprofits and institutions of higher education for compliance efforts Paragraph (5) of section 1109(b) of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 3338(b)(5) ) is amended by inserting nonprofit organizations, and institutions of higher education after licensing agencies, . 5. Requirement to disclose appraisal fees Section 4(c) of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2603(c) ) is amended by striking may and inserting shall . 6. Inclusion of designee of Secretary of Veterans Affairs on Appraisal Subcommittee The first sentence of section 1011 of the Federal Financial Institutions Examination Council Act of 1978 ( 12 U.S.C. 3310 ) is amended by inserting the Department of Veterans Affairs, after Protection, .