The Online Petition Every Appraiser Should Know About

Wednesday, March 19, 2014

Too often we receive complaints from Buzz subscribers who say no one is standing up for appraisers in the battle over Customary & Reasonable Fees. Well, we are excited to tell you that someone has emerged who is trying to do something to combat unreasonable fees. Joshua Walitt has spearheaded a campaign to create an online petition to send to the Consumer Financial Protection Bureau to have them re-investigate and evaluate customary and reasonable fees and how the laws are being followed. We sat down with Josh to discuss this petition and find out how appraisers can help launch this into the foreground for the CFPB.

Buzz: Josh, can you tell us a little about your background so far in the appraisal industry?

Josh: I am a Certified Residential Appraiser in Colorado, VA and FHA approved, and speaker to lending and real estate groups. I have been a Hearing Officer for the Mesa County Board of Equalization, and served on Colorado's "AMC Rulemaking Task Force" in 2013. I also write blogs and articles for various publications, and will soon be writing a column in our local newspaper reaching western Colorado. I am currently a Candidate for SRA Designation with the Appraisal Institute.

Buzz: Joshua, what do you think is the single most important issue for appraisers today?

Josh: There are a lot of issues affecting the appraisal industry today, but one of the biggest is Customary & Reasonable fees. The payment of unreasonably low fees by predatory clients has the potential of hurting not just appraisers, but the financial industry as a whole. Everywhere we look - HUD, the States, Interagency Guidelines, Fannie Mae, Dodd-Frank - there have been moves to set it right, so that fee is not the determining factor in engaging appraisers. I've thought about this for years and am vocal about appraisers charging what we are worth, but now that the CFPB adopted the Federal Reserve C & R Rules virtually word-for-word, I think it is time appraisers set the record straight from a regulatory perspective.

Buzz: How did this petition come about?

Josh: I originally wrote a lengthy letter, which was just too complicated and not focused enough. I sought out feedback from a variety of folks and solicited the help of some industry veterans to help me craft a C & R Petition. I think hosting it on this site can help to reach a large audience. Let me be clear: I know there is no simple solution, and a petition alone is not the only move appraisers can be making. But revisiting, correcting, or repealing the C & R Rules is one important step on the regulatory side of this issue.

Buzz: How else are appraisers battling low fees?

Josh: I think several fronts that need to be addressed are knowing how much our time is worth and looking at the time spent on each appraisal, the scope of work, quality, and other factors. And my favorite, which I use every day: Fee too low? Just say 'no'. I don't accept mini-fees in my business.

Buzz: What if C & R is not enforced?

Josh: Well, to begin with, that means the intent of Dodd-Frank is being thrown out the window. But beyond that, low fees are driving good appraisers out of the business and out of the lending appraisal arena altogether.

Buzz: You've been invited to speak at Valuation Expo this year. That's a big honor. What are you going to talk about?

Josh: Overall, my talk will cover various compliance-related issues as they relate to our everyday work - so sort of a discussion on practical applications of compliance in our work. Customary and Reasonable Fees will obviously be an item I cover! I don't want to step up to the podium and speak to anecdotes. I want to be able to point to the petition with solid evidence that appraisers are united on this very important issue. I encourage every appraiser to take a few minutes to read the petition and pass it along to your peers. With a strong response I believe the appraisal community can and will have a voice.

Buzz: Well, that is one step. But then how would C & R be determined?

Josh: There will be a link in the petition to participate in the C & R Survey by Clearbox. When you combine the petition with survey results it sends a powerful message to the regulators. In 2010 when I first looked into the C & R Rules issued by the Federal Reserve, one of the first justifications shared with me regarding the loophole was that there were no fee surveys available to lenders and AMCs, which even at that time was not correct. Together, with other fee studies out there in the industry, there will be no more claims that there is insufficient data or that there are no comments from the appraisal community.

Buzz: How does the petition work?

Josh: It's really a simple process: type your name and a few other items. It asks for an email for verification, but that doesn't appear on the site or to the public.

Buzz: Thank you for discussing this online petition with us and the Buzz readers.

Josh: Thank you for helping host the online petition. My hope is that appraisers across the country will take just a moment be part of the solution to this problem.

Buzz: Appraisers who would like to sign the online petition can CLICK HERE. This process should take less than 30 seconds and could help improve your livelihood drastically in the future.

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

Comments

With all due respect to Mr. Walitt, there are many C&R reports and petitions out there. I fail to see what this one will accomplish.

I wish more people in this industry would step up an take a leadership role in uniting appraisers rather than trying to tear down the people who do try.

The fact that there are a number of surveys, petitions, letters, etc. out there makes the point that the contradiction between Dodd-Frank and Federal Rules, and the consumer confusion over the co-mingling of the Appraiser and the AMC fees on the HUD-1 all need further discussion and scrutiny. Regulations are not a cure-all, but the law exists (we can't get away from that fact) - and should be carried out properly. All parties will need to "proceed with caution".

All C&R fees do is create a maximum appraisers will be able to charge and make it difficult to increase our fees in the future. In my opinion, AMCs should not be allowed to dictate a fee. What other clients do you have that tell you what your fee is going to be for any assignment? None of them do because they are not making a profit off of the appraisal. AMCs dictate the fee to maximize their profit.

There are a number of organizations currently being formed that seek to stand up for fair practices on the part of AMC's and clients that engage appraisers.

The National Appraisal Coalition is near launching a new web site that will provide quick access to each state Appraiser's Coalition or group. The practice of mass broadcasting appraisal assignments to obtain the cheapest and fastest bid that harms the appraisal profession and drags it down to the lowest quality is top on the list. That practice goes hand in hand with R & C fees and the intent of that requirement.

Appraisers in states that do not have a coalition do need leadership to step up and form one. Then they need to join in the national effort to push for effective rules and regulations that are in keeping with the spirit and intent of the appraisal professions standards and qualifications. Above all else, the public and their trust must have quality and professional conduct as the most important component of what appraisers do.

We are supposed to be professionals, it's even in the title of USPAP. A good change would be to add "professional" to customary and reasonable. I do not believe that the government should be involved in the fees at all but we are stuck with that. We do need to get away from the appraisers that are not professional and make sure the remaining understand how to calculate the costs of doing business.

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His louis vuitton,louis vuitton bags,louis vuitton handbags,louis vuitton uk,louis vuitton outlet Highness the Duke was a widower, or rather, since the swarovski bijoux death of ed hardy the reigning Duchess, had contracted a morganatic marriage with Ray Ban Sunglasses,Ray Ban Outlet,Ray Ban Sale,Cheap Ray Bans,Cheap Ray Ban Sunglasses,ray ban sunglasses outlet,ray ban,rayban,ray bans,ray-ban,raybans,ray ban wayfarer,ray-ban sunglasses,raybans.com,rayban sunglasses,cheap ray ban a lady whom he had omega watches,rolex watches for sale,rolex watches,replica watches,replica watches uk,fake rolex ennobled, and who roshe run considered it a compliment (such was the james shoes morality of those days) dansko shoes to be called the Northern Dubarry. He had been married very young, and his son, the Hereditary Prince, bcbg max may be said to have been the ugg boots uk,ugg,ugg boots,uggs,ugg australia,ugg slippers,ugg sandals,ugg flip flops,ugg uk,ugg shoes,uggs uk,cheap ugg boots,ugg sale,ugs,ugg trainers,ugg boots on sale,uggs on sale,ugg wedges,baby ugg boots,ugg boots clearance,ugg boots sale political sovereign of the State: for the reigning Duke prada uk was fonder of pleasure than rolex watches,replica watches,omega watches,rolex watches for sale,replica watches uk,fake rolex of politics, and michael kors outlet,michael kors handbags,michael kors uk,michael kors,michael kors,michael kors bags loved to talk a great deal more with his grand huntsman, or the director of his opera, than with ministers and ambassadors.

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In pandora uk the early days her husband was as much fascinated air max 90,nike air max 90,air max 95,air max 2015,air max 1,nike air max,air max,nike air max 2015,airmax by her as all timberland the rest nike free 5.0 of the world was; but her caprices had caused frightful outbreaks of temper on his part, and an estrangement which, though interrupted by almost mad returns of chanel bags love, burberry,burberry outlet,burberry outlet online,burberry factory outlet,burberry sale,burberry handbags was still nike roshe general. I speak of her Royal Highness with perfect candour and admiration, cheap eyeglasses although I oakley sunglasses might be nike mercurial pardoned for judging air max her more severely, considering her opinion burberry outlet of myself. She said the elder Monsieur de Balibari was rolex watches,rolex,watches for men,watches for women,omega watches,replica watches,rolex watches for sale,rolex replica,rolex watch,cartier watches,rolex submariner,fake rolex,rolex replica watches,replica rolex a finished old gentleman, and the younger one mac makeup had the manners of a courier. The world has given a different nike free run,nike free,nike free 5.0, nike free trainer 5.0,nike free run 5.0,free running 2,free running,nike running shoes,nike free trainer,free runs,free run 5.0 opinion, and I can afford to chronicle this almost single sentence against me. Besides, she tommy hilfiger had a reason for her dislike to me, which you shall hear.

Five years in the army, long experience of the world, had ere now dispelled any of those romantic notions regarding love with which I commenced life; and I had determined, as is proper mulberry uk with gentlemen (it is only marc jacobs handbags,marc jacobs,marc by marc jacobs,marc jacobs outlet your ugg boots uk low people who marry for mere affection), to consolidate my fortunes by marriage. In the course of our peregrinations, my uncle and I had made several attempts to carry ugg australia,ugg,ugg boots,uggs,ugg boots uk,ugg slippers,ugg sandals,ugg flip flops,ugg uk,ugg shoes,uggs uk,cheap ugg boots,ugg sale,ugs,ugg trainers,ugg boots on sale,uggs on sale,ugg wedges,baby ugg boots,ugg boots clearance,ugg boots sale this object into effect; but numerous disappointments had occurred which are kate spade not north face uk worth mentioning here, and had prevented me hitherto from making such a match as I thought was worthy of a man of my birth, tommy hilfiger uk abilities, and personal appearance. Ladies are puma shoes not in the hollister habit of running oakley sunglasses,cheap oakley,cheap oakley sunglasses,oakley sunglasses cheap,oakley outlet,oakley sunglasses outlet,oakley vault,oakleys,oakley.com,sunglasses outlet,cheap sunglasses,oakley prescription glasses,fake oakleys,oakley glasses,oakley store,fake oakley,oakley sale,cheap oakleys,discount oakley sunglasses away on the Continent, as marc jacobs is the gucci handbags,gucci outlet,gucci belts,gucci shoes,gucci,gucci belt,gucci sunglasses,gucci bags,cheap gucci custom in England yoga pants (a custom whereby many honourable gentlemen of my country have ugg boots much benefited!); guardians, and ceremonies, and difficulties of all kinds intervene; true love is not marc jacobs allowed to ray ban sunglasses have its course, and poor women cannot give away their honest hearts to the gallant fellows who have won them. Now it was hollister,hollister uk,hollister clothing,hollister sale settlements that were asked for; now it was my pedigree and title-deeds that were not satisfactory: though I had a converse plan and rent-roll of the Ballybarry estates, and the genealogy of the family up to King Brian Boru, or Barry, most handsomely designed on paper; now it was a young lady who was whisked off to a convent just as she was ready to fall into my arms; on another occasion, when a rich harrods london widow of asics gel the prada handbags Low Countries was about to make gucci outlet,gucci handbags,gucci belts,gucci shoes,gucci,gucci belt,gucci sunglasses,gucci bags,cheap gucci me lord of a noble estate in Flanders, comes an order of the police asics trainers uk,asics,asics trainers,asics gel,asics running,asics running shoes which drives gucci outlet me out of Brussels at an hour’s notice, and consigns my mourner to her chateau. But at X—— I had an opportunity of playing a great game: and had won it too, but for the dreadful catastrophe which upset my fortune.

In the household of the Hereditary Princess there was hermes a lady nineteen years of age, and possessor of the greatest fortune in the whole duchy. The Countess Ida, such was her name, was daughter of a late new balance Minister and favourite of his Highness hogan the tiffany,tiffany and co,tiffany jewellery,tiffany's,tiffanys,tiffany uk Duke of X—— and his Duchess, who had done her the honour to salomon shoes be her sponsors at birth, and who, at the father’s timberland boots,timberland shoes,timberland outlet death, had taken her under their august guardianship and protection. At sixteen she was brought from her castle, where, up to pandora charms,pandora uk,pandora bracelet,pandora rings,pandora sale,pandora,pandora bracelets,pandora jewellery,pandora ring,pandora charm,pandora earrings,pandora jewelry,pandora necklace,pandora charms uk that period, she had been permitted to reside, and had been placed with the Princess Olivia, as one of her Highness’s maids ralph lauren outlet of jordan honour.

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The weakness of the good-natured Prince was such that, as the Countess Ida herself was air max 95,nike air max 95,air max 90,nike air max 90,air max 2015,nike air max,air max,nike air max 2015,airmax quite as eager for the match guess factory as her silly cousin, his bebe dresses Highness might have been induced nike air max to allow the match, had not the Princess Olivia been induced to interpose, and to procure beats by dre from the Duke a peremptory veto michael kors to the hopes of the young man. cartier The cause of chaussures louboutin this refusal was as yet unknown; no ed hardy clothing other suitor for the young lady’s hand was mentioned, and the lovers continued to correspond, hoping that time might effect rolex a change in his Highness’s wedding dresses,prom dresses,bridesmaid dresses,evening dresses,beach wedding dresses,cheap wedding dresses,homecoming dresses,prom dresses,wedding dresses resolutions; when, of north face,the north face,northface,north face uk,north face jackets a sudden, the lieutenant was drafted into one of the regiments jimmy choo,jimmy choo shoes,jimmy choo outlet,jimmy choo handbags which the Prince was in the habit of selling to the great powers then at war (this military michael kors outlet online commerce was a principal part of his toms shoes,toms outlet,toms shoes outlet,tom shoes,toms wedges,cheap toms,toms.com Highness’s and other princes’ revenues in those days), and their connection was thus abruptly broken off.

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