[teakettle42]

I haven’t ignored any of that; I simply don’t believe that it is ethical to use the state’s monopoly on violence to punish individual actors (including said industry) without due process.

If you want the state to fund systematic investigation of systemic crimes, then fine.

> I’m also not claiming all of the burden of proof should lie with the accused.

None of the burden of proof should lie with the accused.

[dontreact]

There isn't really always a clean separation between private and state actors when it comes to housing (i.e. Fannie Mae has appraisers https://singlefamily.fanniemae.com/learning-center/applicati...)

So I think we are probably aligned that Government Sponsored Enterprises should be spending some time looking into this given the (weaker) evidence that's already there.

If systemic issues with appraisal are found there, it seems fair to me that there should be some regulation and/or state-sponsored investigation of whether the same systemic issues are happening with purely private appraisal.