COPILOT UPDATE AS OF TODAY:
Direct answer to your gut question
- Are they lying?
They’re not lying about the destination (UAD 3.6 is the future, and the old forms are going away). They are exaggerating the finality and cleanliness of the November cutoff to shock the slowest actors into motion.
- Does this change the “well into 2027” view?
- First meaningful volume on the new standard: very plausible on their stated timeline.
- Full ecosystem normalization—software mature, lenders comfortable, appraisers fluent, legacy mostly gone: still looks like a 2027+ reality.