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HAVOC! Oh, I apologize, I meant HVCC!
 Recently, the fine folks in the government implemented a new set of rules called the Home Valuation Code of Conduct (HVCC). The purpose was to protect consumers and lenders from buying or lending for over-valued properties.  The problem was that in some cases, in a few areas in our nation, lenders were "forcing" appraisers into inflating property values higher than they should be to make loans.  If for example a loan application had a purchase price of $200,000 and the property only appraised for $190,000, then either the buyer and seller agreed to lower the price or the deal never happened.  In some cases, some very bad lenders got together with some very bad appraisers and bumped the prices up so that magically, the home appraised, thereby "saving" the loan and making more money for the lender.  This is obviously a huge problem if it happens, because home owners are then stuck with properties that were not worth what they thought they were. 
Being as we can all agree that this is not a good thing, the government decided they needed to solve the problem.  Rather than simply investigating and prosecuting (which in the government's defense some prosecution did happen, which ... more

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