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Welcome to the new 1004

if the state is only going to pass their legal duties off to unelected officials, then why do we need them...under their theory, putin, hitler, or epstien can write 'rules' and the states can adopt them...wrong :ROFLMAO:
 

A Supreme Court Justice Warned That a Ruling Would Cause “Large-Scale Disruption.” The Effects Are Already Being Felt.​


For headline-grabbing drama, few Supreme Court decisions could equal the justices’ July ruling that former presidents are immune from criminal prosecution for virtually all of their official acts. But a decision in the seemingly humdrum realm of administrative law could end up having far broader consequences, affecting vast areas of American life by slashing the power of federal regulatory agencies that police pollution, food safety, health care and countless other aspects of modern society.

Lower court judges have already cited the Supreme Court’s 6-3 decision, in a case known as Loper Bright, to halt implementation of Biden administration rules on overtime pay and health care discrimination. In the past three months, Loper Bright also has been invoked to challenge regulations on everything from hidden airline fees to gun sales to abortion referrals.

Justice Neil Gorsuch, who was part of the conservative majority in Loper Bright, described it as placing “a tombstone” on a doctrine that had existed for 40 years. That doctrine, known as Chevron deference, was named after the 1984 Supreme Court case in which it emerged, and it offered an answer to a recurring question: What happens when Congress passes a law granting power to a federal agency but fails to precisely define the boundaries of that power?

In such situations, the doctrine of Chevron deference instructed federal judges to rely on the interpretations made by federal agencies, as long as those interpretations were reasonable, since agencies typically have greater expertise in their subject areas than judges. The Loper Bright decision erased that, commanding federal judges to “exercise their independent judgment in deciding whether an agency has acted within its statutory authority.”


you cant vote in fannie dum dums...and cant vote them out :ROFLMAO:
 
now for insanity...the gse's have become appraisal companies with the help of the mortgage brokers estimating value based on whims or zillow...and they do not even follow USPAP or their own guidelines...so basically they are hypocrites :ROFLMAO:
 
This here is still America and no appraiser is legally compelled to work for any particular client or accept assignments which are subject to any user's requirements. If you don't want to meet the user's policies then don't accept the assignment. Leave it to other appraisers who will work to those policies. There are plenty of them who will even if you won't.

What you can't do is accept assignments and unilaterally blow off the requirements for that assignment which you agreed to meet when you accepted that assignment. That's unethical, which is a word that should resonate with you given the extent to which you are constantly criticizing these lenders every time they get fined for mishandling privacy issues or not installing enough ATMs in certain neighborhoods or making the credit decisions they make.
 
unethical...like passing out millions of no doc loans...and the gse's accepting them :ROFLMAO:
 
unethical...like passing out millions of no doc loans...and the gse's accepting them :ROFLMAO:
Another example of an irrelevant non-sequitur WRT appraisal standards and appraisal practice. Firemen aren't subject to USPAP either.

It has been estimated that up to 70% of the loans the lenders did back in the day included some level of (criminal) fraud in the loan application, whether they were lying about credit, employment or collateral. Inasmuch as the outside MBs were generating the overwhelming majority of those loan packages THOSE offenses were far more criminal than any lender's underwriting policy. So every time you whine about these lenders being unethical because you can't get the fees you want I'm going to redirect you to the criminals who were doing crimes in some of the loan applications you performed appraisals for. I never heard you whining about the criminal conduct back then. So the hypocrisy you are using now is clearly evident to anyone who would be willing to come off of auto-snivel long enough to put a little reasoning into their talking points.
 
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Another example of an irrelevant non-sequitur WRT appraisal standards and appraisal practice. Firemen aren't subject to USPAP either.

It has been estimated that up to 70% of the loans the lenders did back in the day included some level of (criminal) fraud in the loan application, whether they were lying about credit, employment or collateral. Inasmuch as the outside MBs were generating the overwhelming majority of those loan packages THOSE offenses were far more criminal than any lender's underwriting policy. So every time you whine about these lenders being unethical because you can't get the fees you want I'm going to redirect you to the criminals who were doing crimes in some of the loan applications you performed appraisals for. I never heard you whining about the criminal conduct back then. So the hypocrisy you are using now is clearly evident to anyone who would be willing to come off of auto-snivel long enough to put a little reasoning into their talking points.

only you and the ivpi crew can point out the unethical stakeholders...and then just flip flop like a fish :ROFLMAO:
 
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