All I can say is, thank God. Since the start of the HVCC, I have lost all my accounts, some I’ve had for over 20 years. I have been appraising residential properties since 1985 in the state of New Jersey, and my business is down about 78%, maybe more. Why do I have a license? Why do I have over 700 hours in continuing education?? I feel like I have wasted the last 25 years in this profession. This has not been fair. The appraisal management companies (AMC) are getting all the work. The professional real estate appraisers are being left out, and why? It’s all about the fees. The management companies get the appraisers to do the appraisal report for $195 or $250 a piece, and then they keep the rest. How is this fair? How is this right? And for doing what? Most management companies take about 60 to 70 days to pay for an appraisal. How is that right? The consumer pays more for it and then gets a non-professional to do it. You should have seen the appraiser that was at my house this past year. First, he was about two hours late for the appointment. He couldn’t measure the house. He couldn’t draw a floor plan, and he missed comparables in the area. What was my recourse? Nothing. They hide behind the HVCC. Well, 90 days, that’s all I have left. [The views of this New Jersey-based appraiser are not indicative of the views of HousingWire editorial staff. Do you disagree with it? Email the editor.] [Editor's Note: the Home Valuation Code of Conduct is ending 90 days after the Dodd-Frank Act was signed into law.]