Lawyers suing AMCs

[NC Appraising]

​

ChatGPT said:​

Yes — the Florida lawsuit you’re referring to is still active as of early 2026. It was first filed on December 16, 2025 and, since then, there’s no indication that the case has been dismissed or resolved; instead it’s just beginning to move forward in the Florida state court system.

Here’s what we know about its status:

• The case — Arnold v. Appraisal Nation, LLC, AMC Links, LLC, and United Wholesale Mortgage, LLC — was filed as a class action in Broward County Circuit Court, alleging deceptive and unfair practices related to appraisal fees charged to borrowers.
• Because the complaint was only filed in December 2025, it’s early in the litigation timeline. Cases like this generally proceed through initial motions, discovery, and other pre-trial phases before any hearing on the merits. There is no public record indicating dismissal, settlement, or final judgment as of early 2026.
• Reports discussing the lawsuit in legal blogs and appraisal-industry outlets treat it as ongoing and developing, which means the parties are still in the pre-trial stage and the case hasn’t concluded.

Any appraisers willing to go on a podcast and spread the word about AMCs and waivers? This is a good podcaster to reach out to

 

[NC Appraising]

Best explanation. Start with the states.

Mortgage Lender and Appraisal Management Companies Face Class Action Lawsuit Over Appraisal Management Fee Disclosure: Is TRID a Defense or a Detriment? — Garris Horn LLP

On December 16, 2025, a class action lawsuit was filed in Florida court against two appraisal management companies (AMCs) and a large wholesale mortgage lender. The lawsuit alleges deceptive and unfair practices in violation of Florida’s trade practices statute, and fraudulent and negligen

www.garrishorn.com

Second, the mortgage industry should pay close attention to this case, and any similar cases regarding AMC fees. I have seen many, if not most, mortgage lenders not break out the AMC fee on the TRID forms, which is a compliant way to disclose such fees on the forms. But if state courts begin to find that such disclosure method is unfair, deceptive, or worse, fraudulent under state law, mortgage lenders and investors could find themselves facing class action lawsuits and significant liability.

 

[Mark K]

Off track here but Morgan/Morgan was going after my 92 yr old Mom in FL over a minor traffic accident. She rarely drove so had the state minimum liability insurance ($10K, stupidly low) but they claimed their client was horribly injured (she barely sideswiped his car, after which we took her PT Cruiser away). They wanted $50K, when they found out she only had $10K insurance, they dropped the demand to $25K then to $20K over a 2-year period. M/M kept calling her and sending her nasty letters but she just kept ignoring them. Her insurance company was dealing with it when she passed away from a sudden brain aneurysm.

Not sure how it turned out (my guess is they settled for the insurance $10K) because we sold her house and liquidated the estate but I'm sure she's somewhere laughing that she beat one of the worst ambulance chaser companies at their game.

 

[George Hatch]

The disclosure obligations are on the lenders. The lenders already know how those fees break down.

 

[NC Appraising]

https://www.federalreserve.gov/SECRS/2011/January/20110107/R-1394/R-1394_122710_59272_572807667450_1.pdf

 

[NC Appraising]

The disclosure obligations are on the lenders. The lenders already know how those fees break down.

Not disagreeing.

Look who wrote what I posted. He is not 100% ruling anything out....But if state courts begin to find that such disclosure method is unfair, deceptive, or worse, fraudulent under state law, mortgage lenders and investors could find themselves facing class action lawsuits and significant liability.

All it takes is someone to pick it up and run with it hoping that one person hears about.

Mass email to lenders, podcasters, re agents, government officials, advocacy groups, etc.

Lastly,

Do you not find it a Lil hypocritical that lenders, GSEs and others want to save the borrowers money but did not say a peep about AMCs allegedly skimming the borrowers money. A little odd.

Fannie Mae Announces Changes to Appraisal Alternatives Requirements | Fannie Mae

Fannie Mae today announced changes to the eligibility requirements for Value Acceptance (previously known as appraisal waivers) and Value Acceptance + Property Data (also known as inspection-based appraisal waivers), two key components of the company’s valuation modernization options.

www.fanniemae.com

 

[Sadie]

https://www.forthepeople.com/blog/h...ow-about-appraisal-management-companies-AMCs/

When it comes to your hard-earned money, you deserve to know exactly where it’s going. If you’ve recently purchased a home and suspect hidden AMC fees inflated your costs, don’t wait. Contact Morgan & Morgan for a free case evaluation.


Any appraisers willing to go on a podcast and spread the word about AMCs and waivers? This is a good podcaster to reach out to

Sorry, couldn't listed to that BS. Even as a brand new appraiser, I knew that no is a full sentence. It was only a few appraisers, along with a few realtors, lenders and borrowers.

 

[NC Appraising]

Off track here but Morgan/Morgan was going after my 92 yr old Mom in FL over a minor traffic accident. She rarely drove so had the state minimum liability insurance ($10K, stupidly low) but they claimed their client was horribly injured (she barely sideswiped his car, after which we took her PT Cruiser away). They wanted $50K, when they found out she only had $10K insurance, they dropped the demand to $25K then to $20K over a 2-year period. M/M kept calling her and sending her nasty letters but she just kept ignoring them. Her insurance company was dealing with it when she passed away from a sudden brain aneurysm.

Not sure how it turned out (my guess is they settled for the insurance $10K) because we sold her house and liquidated the estate but I'm sure she's somewhere laughing that she beat one of the worst ambulance chaser companies at their game.

I changed my thread.

Maybe this firm is better

The law firm currently involved in a Florida lawsuit against appraisal management companies (AMCs) over appraisal-related fees is associated with the website Valuation Legal, led by attorney Peter Christensen. This firm (sometimes referred to simply as Christensen Law or Valuation Legal) is behind the class-action complaint Arnold v. Appraisal Nation, LLC, AMC Links, LLC, and United Wholesale Mortgage, LLC filed in Florida state court on December 16, 2025. The lawsuit alleges deceptive and unfair practices by the AMCs in how appraisal fees are charged and retained, and asserts claims under Florida’s Deceptive and Unfair Trade Practices Act and

 

[glenn walker]

Better move on this case died and was a joke.

 

[George Hatch]

Maybe there's something there, but I don't really understand how the borrowers have any relationship with an AMC.