Thoughts after seeing a few files come across my desk... Many lender complaints center on the question(s) adjustments, use of certain sales, belief that the appraiser overlooked other sales, etc. Many of the complaint issues that I see most appraisers getting into issues with, are things that are FNMA guidelines or are some lender specific guideline. Unless it was clearly articulated in the engagement agreement, there is little in the way of a USPAP violation. The board members have the unique ability to look into your work file, and see what things you did and did not do. I am amazed about about how little appraisers have in their work file, I'm also amazed by how little they have in it knowing full well they are sending it into the State. 9.9 times out of 10 what you are preparing is a Summary Report, which means your work file should have the necessary information for me to rely upon. It's funny I have actually seen more lenders do paired sale analysis for contested adjustments, then I actually see appraisers do. One final thing, just because you do not believe the complainant is an intended user, they can still complain...anyone can complain, for any reason. At that point it becomes the department's complaint, not the complainant. Saying you are not going to send the work file in to the State because you disagree with the complainant right...will just get you sacked with a violation that would be just as disastrous to your career as anything that they are complaining about.