[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.