More Laws are not gonna change much. If a person has Ethics & Morals there are already enough laws, for those that don't have Ethics & Morals more laws just make it tuffer for those of us that do. We need the LAWMAKERKERS to ENFORCE & USE the LAWS we have. While we have Judges that tell a TERRIOIST that he should take a week before sayin he's GUILTY Ladies & Gentlemen we have BIGGER problems than a few Appraisers over inflating an Appraisal. Companies can say hey we are bankrupt but have no worry we will continue business as before. I guess more power to that appraiser that for so little money will take such a risk so a POOR family can get into a house that MAYBE they will be able to afford. Myself I'm gonna stay with the Ethics, Morals & do Appraisals within the guidelines available. Those of U that want to PLEASE all parties involved BEST OF LUCK to U. U'll make 3 - 4 times the money I will & PROBABLLY never get caught, Just that IN YOUR OWN MIND you'll know if U did it LEGAL or ILLEGAL.