A loan originator calls an appraiser before the report is finished and says the deal needs the home to appraise at least at the contract price to close. Under the appraisal independence requirements, this communication is:

Giải thích

Appraisal independence rules under TILA/Reg Z prohibit coercing, influencing, or otherwise encouraging an appraiser to reach a predetermined or target value. Telling an appraiser what value is 'needed' to close is exactly the kind of pressure the rule bans. Legitimate communication about factual property details is allowed, but pressuring for a target value is not.