Blacklisting - Good & Evil

Monday, April 22, 2013

Blacklisting is one of the most controversial fee panel management practices. Far be it for Appraisal Buzz to avoid controversy!

We have the privilege of having Anthony Romano, a Consumer Finance Protection Bureau (CFPB) enforcement attorney, join us this Wednesday for a webinar on the topic. Let us not forget that the Home Valuation Code of Conduct (HVCC) came about in part as a result of gross violations of appraisal independence tenets.

Blacklisting is a complex topic. On one hand, Dodd Frank mandates that lenders and their agents report violations of USPAP to state appraisal regulators. It is only logical that a client would then place that appraiser on an exclusionary list. Proper due diligence of fee panels is also a part of Interagency and Evaluation Guidelines. Fannie Mae has excellent guidance on Appraiser Selection.

The dark side of fee panel management are the abuses that occur when clients place appraisers on Exclusionary lists for all the wrong reasons.

During the webinar I will address Fee Panel Management “Best Practices”. Our guest, Anthony Romano, will respond to questions about what appraisers can do when they have been wrongfully blacklisted.

Join us Wednesday, April 24 at 2 PM Eastern. Register today by clicking HERE

About Anthony Romano: Anthony is the designated expert providing advice at the Office of Enforcement for all complex Real Estate Settlement Procedures Act (1974 –RESPA) issues, including litigation analysis, implementation, interpretation and enforcing RESPA and TILA claims pursuant to CFPB’s Regulation X.

He is currently serving as Enforcements Attorney Advisor to various CFPB departments such as; Enforcement (ENF), Rules Marketing and Regulation (RMR), and Consumer Response (CR). Major roles include advising, editing and interpreting rules for the Bureaus’ Regulation X, Required Use Doctrine, Truth in Lending Act (TILA), Federal Debt Collections Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Secure and Fair Enforcement For Mortgage Licensing Act (S.A.F.E.) the  Mortgage Loan Origination Compensation Rule (MLO Comp Rule – now the LO Comp Rule), Interim Final Appraisal Rule (IFR), High Risk Mortgage Rule (HRM), Appraisal Sub-committee (ASC) Whistle-blower Complaint Hotline, and the Qualified Mortgage and Ability to Repay rule (QM/ATR).

His expertise lies primarily within the Settlement Service Area including sham affiliate relations among and between Appraisers, Mortgage Brokers, Real Estate Brokers, Builders, Mortgage Lenders and Title Companies.

Anthony was Lead litigation attorney for various Enforcement actions against title insurer’s and mortgage companies, and continues to advise and act as the subject matter expert regarding current RESPA cases as well as advising attorney’s during bank examinations in various Regions of the United.

About Joan Trice: Joan N. Trice is the publisher of Appraisal Buzz, an email newsletter circulated to over 100,000 appraisers. In addition to the Buzz, Joan hosts the annual Valuation Expo, the largest conference for the valuation community. Joan is also the founder and CEO of Clearbox LLC. Clearbox, Joan’s most recent venture, is focused on regulatory compliance.

Allterra Group, LLC founded in 2002 is also host to the Collateral Risk Network. Membership currently stands over 400 members comprised of Lenders, Government Agencies, Wall Street, Vendor Management Companies and Appraisers.

Have any comments or would you like to submit content of your own? Email comments@appraisalbuzz.com

Comments

I really don't see anything wrong with an amc or any other co. black listing appraisers or any other type of service. Why would you do business with someone who does not complete the job properly. I have several amc on a black list/no appraisals. And I know more than likely that I am also on some of these lists. But thats fine. I have told several amc's to remove my name from their list, and then there is a long slience on the phone. SC Appraiser

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