It is not that. When some banks (not all bank like amccs) and other parties helped get the original bill changed from AMC and appraisal fees separated on truth in lending disclosures to commingling of fees, it changed the market structure in appraisal profession. It changed the market structure to more of an oligopsony market structure.The only fee that matter's is what you put in your pocket. The rest is just beating a dead horse.