Banking regulations

A friend and i were just talking when she started talking about the issues in the banking system today... Follow the money. Who made money with the real estate  values were going up uncontrolably? The banks. When the $%@ hit the fan who gets the bail out money? The Banks. Gee whiz... let's control the appraisers now by making them sign up with appraisal management companies to insulate them from the banks and lending institutions. Twenty year relationships with lenders is out the door with FannieMae and Freddie Mac in favor of appraisal managment companies who now will take a piece of the appraiser's fee... totally illigal with RESPA till it passed into law. Wow.