Virgina REAB and Portal Petition

[peturner]

Ken,
I have no interest in a VAULT system...I dont think....but let us hear IF or HOW it would work....the VA's system MIGHT be a decent model to work from....lots of questions and lots of new ground to plow as we move forward...TOGETHER
Thanks to you and Don

 

[McPheeters]

Spoin enough and maybe the main issues will be forgotten?

Exactly what I was thinking............these guys are good!

 

[Marcia Langley]

The vault idea is just one theory of something that could work. There may be better ideas if people keep thinking about it. It's good to discuss the pros and cons of any idea.

But I don't think that doing nothing other than "enforcing existing laws and regs" is going to solve any of these particular issues. Technology has created new situations that have to have new solutions.

Obviously the vault idea, alone, won't keep anyone from data mining or even from reapplying signatures. But it could solve some of the true copy and complicity issues.

What other ideas could address those last two issues?

 

[Don Clark]

There may be better ideas if people keep thinking about it. It's good to discuss the pros and cons of any idea.

But I don't think that doing nothing other than "enforcing existing laws and regs" is going to solve any of these particular issues. Technology has created situations that have to have new solutions.

On that I agree. Wouldn't it be great if we could all get together, in person, have each participant bring at least 3 ideas or possible solutions, and just thrash out all the ideas for a few days? Perhaps at the end of the event we could have at least one, good, possible solutions. On the forum we have some really interesting possibilities but they tend to get lost in the hit and miss follow up, and unless one has the time to read a hundred responses, good ideas get lost.

 

[Carnivore]

Ken,

Lets blow aside the smoke you keep creating when you bring up data mining as the underlying issue. The two are not related as it pertains to appraisers and USPAP compliance. Let me explain.

You first must recognize that the inability of the appraiser to produce on demand his/her actual appraisal report transmitted to the client via AIport as a USPAP violation.

If you accept that as truth, then and only then can we move forward?

I said earlier this forces the appraiser to ignore a USPAP requirment. Some say this is our choice and I agree with that statement. The question really is do I make that choice without objection. The answer is no! No one wants to violate USPAP in this way, but do so because we have NO POWER to say NO! This situation will get worse as more and more clients move to portals and specifically AIport. We are being forced to compromise because of economic blackmail. We must to survive or we fall by the wayside and fail.

The bigger problem is that Appraisal Boards now are forced to compromise their ethics and duties by ignoring these violations by not penalizing appraisers or giving them a waiver of that specific USPAP requirement.

This puts ALL appraisal boards in non-compliance with the TAF.

Do you underestand how significant this issue is now?

 

[DWiley]

On that I agree. Wouldn't it be great if we could all get together... On the forum we have some really interesting possibilities but they tend to get lost in the hit and miss follow up, and unless one has the time to read a hundred responses, good ideas get lost.

A positive step that everyone could take is simply to use the HELP feature in Adobe and learn how to apply a digital signature, a real one, to PDF files. Using nothing more than Adobe one can apply a certificate that will inform any reader if a report has been altered in any way.

It is very simple. Anyone reading this could learn how to do it in 15 minutes. Anyone wanting help walking through the process can contact me privately. I considered crafting a post with detailed directions, but frankly the Adobe HELP is very clear.

This would not provide the same level of security as a PKI signature with a hardware device, but it would be infinitely better than just applying simple password protection, and once you set it up it takes no more time than applying a password.

A sample of a signed document is attached.

 

[McPheeters]

Ken,

Lets blow aside the smoke you keep creating when you bring up data mining as the underlying issue. The two are not related as it pertains to appraisers and USPAP compliance. Let me explain.

You first must recognize that the inability of the appraiser to produce on demand his/her actual appraisal report transmitted to the client via AIport as a USPAP violation.

If you accept that as truth, then and only then can we move forward?

I said earlier this forces the appraiser to ignore a USPAP requirment. Some say this is our choice and I agree with that statement. The question really is do I make that choice without objection. The answer is no! No one wants to violate USPAP in this way, but do so because we have NO POWER to say NO! This situation will get worse as more and more clients move to portals and specifically AIport. We are being forced to compromise because of economic blackmail. We must to survive or we fall by the wayside and fail.

The bigger problem is that Appraisal Boards now are forced to compromise their ethics and duties by ignoring these violations by not penalizing appraisers or giving them a waiver of that specific USPAP requirement.

This puts ALL appraisal boards in non-compliance with the TAF.

Do you underestand how significant this issue is now?

My red: Unless of course TAF says there is no USPAP violation when using these alter-and-deliver systems. I am looking forward to TAF's Q&A on this issue, as is my Board......

 

[Carnivore]

My red: Unless of course TAF says there is no USPAP violation when using these alter-and-deliver systems. I am looking forward to TAF's Q&A on this issue, as is my Board......

Q& A's are not USPAP. They are the opinion of some high level industry experts. The appraisal boards are the ones with regulatory control over there licensed appraisers.

I do understand your point though. We will wait and see. They could just remove the requirement from USPAP and make it law in all fifty four states and possesions. That wpuld get the State Boards and all licensed appraisers off the hook and end this problem.

 

[Marcia Langley]

That's true. The ASB may be able to solve the issues regarding true copy, complicity, and signatures.

If they can, more power to them.

If they can do it without contradicting or changing USPAP, they are geniuses.

IMO some of these issues need a technology fix, not just an "if you do this you are in compliance and if you do that you are not in compliance" Q&A.

Of course that sort of Q&A could very well force a technology fix if that's what it took to be compliant.

 

[Pamela Crowley (Florida)]

How are they going to 'fix' it with law enforcement and the courts?