[{"_1":2,"_100":-5,"_101":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,76,88],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},"mediaId",6572294,"mediaKeyId","3071269-77bc076df8a9a53b512736e657b4cf98","parentId",3071269,"title","Appraiser group urges review of Tennessee complaint and reviewer process; commission asks for data and to standardize reviewer forms","audioSeconds",1711,"startMs",3157000,"endMs",4868000,"viewUrl","/Search/View?dp=1&key=3071269-77bc076df8a9a53b512736e657b4cf98&start=3157&end=4868","thumbnailUrl","https://assets.pipeline.soar.com/3071269-77bc076df8a9a53b512736e657b4cf98/thumbnail_3157000.jpg","articleUrl","/articles/6572294/Tennessee/Appraiser-group-urges-review-of-Tennessee-complaint-and-reviewer-process-commission-asks-for-data-and-to-standardize-reviewer-forms","mediaUrl","https://secure.pipeline.soar.com/6572294-b63154aa9f7623dfffb81b2fb1051423/orig.mp4?Expires=1770437955&Signature=D~7eVulTnG8XSFwmasRSP8iFvzwz45JJF8yS3vveIU3QCI-d9-9FLCMaaT5EACf29v2TMRg3G6EPI5tYvq-XSLq45XFUGM3LZDVBd3KvPwzrzeaK7G8z5pIlH1n7xQbs6xsG3vFC3KR4yfk1ozpiR4PTa5HyGDTXUEXn2NMxOU6iLBPKqz2Xoztk2S3Be4t3uo575X66QWLH2CkL5YObsKLZV63KSn5HKOtIZuVpDflvcCq9ClzNohgkCuC1IL5mcmr~21csv-JgNWPaQmL8Ka0KzlOvPMiq1W9tEc1NbREpfqrRTZ7tKE3iOP7niD4o9SBzqCzKlzaG9jolysCJyw__&Key-Pair-Id=KUT5TJCACFTXG","author","Commerce & Insurance","date","2025-04-21T21:07:29.507Z","article","Kevin McGuigan, speaking during public comment, urged the Tennessee Real Estate Appraiser Commission to reform its complaint-review process, characterizing the current system as overly punitive for appraisers facing frivolous complaints. McGuigan asked the commission to adopt four measures: a filter for clearly frivolous allegations, a more rigorous RFP and selection process for expert reviewers (including higher, market-rate fees), clearer assignment conditions for reviewers and a mentoring option for first-time offenders.

State staff and commission legal counsel responded at length. Staff said the commission’s complaint process is administered through the Department of Commerce and Insurance’s regulatory boards division and that the program already uses an “expert reviewer” model: complaints that allege USPAP or appraisal deficiencies are screened, respondents receive an opportunity to respond, and potential USPAP violations are sent to an expert reviewer. Staff also explained the commission has a conditional-dismissal option the board created as an administrative alternative to formal discipline for certain first-time matters; under the conditional-dismissal option the respondent completes a reviewer-recommended continuing-education course and the case is closed with no further action.

Staff said the conditional-dismissal process is discretionary (it is not required by statute) and that the commission could discontinue that option if the board and administration chose to do so. Staff also said the agency posts RFPs for expert-review services publicly and attempts to solicit bids, but that procurement responses have been inconsistent — the staff reported that in recent procurements they had to repost RFPs because of limited or no responses. Staff offered to provide the commission with the last RFP package, procurement history and examples of reviewer forms to inform a possible reform discussion.

Commissioners and staff agreed on next steps: staff will share the RFP materials, procurement history and a redacted example of a reviewer report/form with commissioners in advance of a future meeting for the board to evaluate. Commissioners suggested any reform proposal should be supported by data and case studies showing systemic problems; several commissioners said the matter would require a clear problem statement and a road map for change before the commission and department could propose revisions that might touch broader agency policies or statutes.

Why it matters: McGuigan and other appraisers told the commission that responding to complaints imposes hours of administrative work and potential legal fees; they argued the state should pay market rates to attract experienced reviewers and provide stronger procedural protections to reduce the burden of frivolous or marginal complaints. State staff emphasized the department’s legal and procurement constraints and said some proposed remedies (for example, requiring background checks for third-party data collectors or new statutory licensing categories) would require legislative action.

Directions and follow-up: staff agreed to provide the commission (1) the last reviewer-RFP packet and procurement history, (2) redacted sample reviewer reports/forms used by existing contracted reviewers and (3) a description of conditional-dismissal usage for the commission’s review prior to a follow-up meeting. Commissioners asked the commenter and any interested associations to assemble case studies demonstrating a pattern of frivolous complaints to support any statutory or administrative reforms.","mediaType","Video","parentTitle","TREAC Board Meeting 4/21/2025","oneSentenceSummary","Kevin McGuigan told the Tennessee Real Estate Appraiser Commission during public comment that the state's complaint-review system is too punitive for appraisers and urged reforms including higher reviewer fees, a better RFP process and a mentoring option.","taxTitle","Commerce & Insurance, Deparments in Office of the Governor, Organizations, Executive, Tennessee","taxId",17379,"location","Tennessee","headline","","shortSummary",{"_33":77,"_35":36,"_37":38,"_39":78,"_41":79,"_43":80,"_45":81,"_47":82,"_49":83,"_51":84,"_53":85,"_55":56,"_57":58,"_59":86,"_61":62,"_63":64,"_65":87,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6572289,"Commission discusses data collectors and hybrid (bifurcated) appraisal work; staff says regulation would require statute",154,4602000,4756000,"/Search/View?dp=1&key=3071269-77bc076df8a9a53b512736e657b4cf98&start=4602&end=4756","https://assets.pipeline.soar.com/3071269-77bc076df8a9a53b512736e657b4cf98/thumbnail_4602000.jpg","/articles/6572289/Tennessee/Commission-discusses-data-collectors-and-hybrid-bifurcated-appraisal-work-staff-says-regulation-would-require-statute","https://secure.pipeline.soar.com/6572289-70b49236de8ea860946030bcf8b398bd/orig.mp4?Expires=1770437955&Signature=IN-mMPWfIZSjlcnc0mGfCpRJwBeL97hlOTDY-r~4bJU3pUjmQVN10-TKzffm1UIXIVGyT1EgCK8kuFThxOZ-c6uLmFV98lxNg7sYCUzOI7S~yYpPAdCwn6OH1ODB4klMDoYQf9z1ToBhJALbK4WbAQpfP-rc0y1CTqtfIeaDJQDdLLIm5X9kchVGkjlqXOTRN80fF2yxSRB46pvQc6FT6DTKAb6A5jC-N379WEX9ukm3UVvqo5s82bDCshbcNrqCxtVYxyEb8LcejVgKQmjGbAMGi5BRmM8Au8vpHj4veyP49A7H~zIyFb4ZvQd3NdyFplKAYpPGjIXL3CmRbxofhA__&Key-Pair-Id=KUT5TJCACFTXG","Commissioners took up a broader industry question during new business about third-party property data collectors and hybrid or bifurcated appraisal reports.

Several commissioners and members of the public described concerns that companies or individuals who gather measurements or photos on behalf of an appraiser can be presented to consumers as appraisers or otherwise create risk because the appraiser never saw the property. One commissioner said the problem is that the appraiser “has not seen that property” and that the appraiser cannot verify whether the data collector measured by ANSI standards or otherwise followed local conventions.

Staff and legal counsel told the commission that the board’s authority is limited by statute and regulation: the commission regulates appraisal practice and licensure; it cannot create a new licensing category for data collectors without a statutory change. Staff said that if a data collector crosses the line and “holds themselves out as an appraiser” or actually provides value conclusions, then the activity falls within the commission’s jurisdiction and could be the subject of a complaint. Otherwise, purely observational data collection without appraisal activity typically falls outside the commission’s regulatory scope.

Commissioners asked whether the commission could require background checks or certification for data collectors. Staff responded that such a requirement would be outside the board’s current statutory authority and would likely require action by the General Assembly or a change in administrative rule-making authority. Commissioners and staff agreed to monitor the trend and to address specific complaints as they arise; staff noted that enforcement frequently occurs after a complaint shows that a data collector crossed into appraisal practice.

Why it matters: The rapid adoption of hybrid appraisal workflows and third-party data collectors affects appraisal quality, industry business models and consumer perception. The commission said it will continue to treat complaints raising these issues under existing laws and encouraged appellants to submit complaints with specific facts.

Next steps: No formal action was taken. Staff and commissioners asked legal staff to continue tracking relevant complaints and to report back if a pattern emerges that would justify staff or legislative recommendations.","The board discussed concerns about third-party data collectors and hybrid appraisal workflows and said regulating data collectors would require statute unless they cross into appraisal practice.",{"_33":89,"_35":36,"_37":38,"_39":90,"_41":91,"_43":92,"_45":93,"_47":94,"_49":95,"_51":96,"_53":97,"_55":56,"_57":58,"_59":98,"_61":62,"_63":64,"_65":99,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6572297,"Tennessee commission approves Lisonbee Bond practicum pathway for licensed appraiser experience hours",4012,51000,4063000,"/Search/View?dp=1&key=3071269-77bc076df8a9a53b512736e657b4cf98&start=51&end=4063","https://assets.pipeline.soar.com/3071269-77bc076df8a9a53b512736e657b4cf98/thumbnail_51000.jpg","/articles/6572297/Tennessee/Tennessee-commission-approves-Lisonbee-Bond-practicum-pathway-for-licensed-appraiser-experience-hours","https://secure.pipeline.soar.com/6572297-5ed73c30093ca11f3d06a81e6260d996/orig.mp4?Expires=1770437955&Signature=cz5~LKn5I58BHX0fs9Q~o4PFSxoRH658uyZHPjroKoHX0yejATfH1zZU3B535YJKNhhVyGUcRiPQS61ihK4UbDHY6olRNlUlkNdqwmso3w1G2~46F1k4rprGD35D6o~MfhIWiNlTcAulMioUfCJiKm0dC9oKxeV6CH2dk6e~Wk2rofrxXwP8qvPmrf~Z2eLtk2m~m1kCHq1s9r3gtD~0B1xGQ93LTg868zJ0RwhF5LmTy0znbrOqqWs36zPmAW5IZ4P5inZJP22gASomiHqv5xmZ-u2R0kJeXm23nENw44ggRyzAaVHj3Q~zRu15cAC-C9rCrpc7UAmhLNL6MdrLrw__&Key-Pair-Id=KUT5TJCACFTXG","The Tennessee Real Estate Appraiser Commission voted April 21 to approve a practicum pathway submitted by provider Melissa Bond that will allow trainees to earn the experience hours required for licensure as a licensed appraiser in Tennessee.

The education committee, chaired by Dr. Mark Sunderman, reviewed the program in a 9:00 a.m. committee session and recommended it for the full board. Committee members asked detailed questions about who would deliver instruction, instructor credentials, how in-person site visits would be handled and the program’s required experience assignments. The full commission then accepted the committee’s recommendation and approved the pathway by voice vote.

The commission’s decision limits the approval to the program as described: experience hours only for the licensed-appraiser pathway (not a certified residential or certified general pathway). Commission staff said any material change — for example, a different lead instructor or an upgraded certification-level course — would be treated as a separate approval and must return to the education committee and full commission for review.

Provider Melissa Bond told the committee she will be the program manager and lead instructor and that she will “get a reciprocal license for Tennessee. So I, as the manager of the program and the lead instructor, will, go ahead and get a reciprocal license in Tennessee.” Bond said she plans to do “80% of the instructing” herself and to use a small roster of national instructors for parts of the curriculum. She listed named instructors based in Louisiana, Texas, Florida, Idaho and North Carolina who she described as national USPAP instructors and certified distance-education instructors.

Bond described the program structure: trainees complete a sequence of assignments over roughly seven to eight months, culminating in 20 practice appraisals performed “completely on their own” at the end of the program. She said those practice assignments would not be delivered to lenders or clients; they would be submitted only to her for review and graded to the standard of a client assignment (for example, evaluated under FHA assignment conditions if a trainee is told to prepare an FHA-style appraisal). Bond also said the students will write a set of reports and that she counted about 32 reports in the program schedule.

Commissioners raised the 20-appraisal requirement as a potential limitation: one committee member said they “wish that there were more than 20 appraisals because I feel like she's got several different appraisal types that she's doing, which means it may be only 1 or 2 appraisals, of each type of property.” Bond said she personally conducts the field visits and that she will select trainees by geographic area (for example, grouping students from Middle Tennessee East or West) so that in-person site visits can be accomplished at a central location.

Bond said roughly “40-ish” students have completed her earlier practicum offerings in other states and that her first-time national exam pass rate is about 82 percent so far; she described three students who did not finish the program for personal reasons and explained she documents disciplinary and failure decisions. Bond said she is planning to license her program to other education providers over time and to introduce a separate certification-level course (certified residential) later; the commission clarified that such a certification-level offering would require a separate approval.

Commission staff and committee members told the board that the approval is narrowly scoped: it covers only the licensed-appraiser practicum as submitted, not the broader continuing-education curriculum or future franchised providers. Staff told commissioners that any “material change” (for example, a different lead instructor or a provider franchising the program) would be reviewed and could be expedited if the course content remained materially the same.

The commission discussed apprenticeship and sponsor-based pathways as alternatives and framed the practicum as an additional option to expand capacity where sponsor relationships are scarce. After discussion, the education committee moved to recommend approval; the full commission seconded the recommendation and voted in favor. No recorded dissent was entered into the meeting minutes and staff said the motion carried by voice vote.

The commission and staff said they will monitor program performance and compliance with Appraiser Qualifications Board (AQB) guidance and USPAP requirements. Commissioners noted that the scope of the approval is limited to experience hours under the licensed-appraiser pathway and that Bond’s planned certification-level offering will require a separate submission and review.

Details and next steps: the education committee’s recommendation will be reflected in the commission’s administrative records; Bond indicated she will obtain Tennessee reciprocal licensure as lead instructor and will be available to answer follow-up questions at the full-board meeting. Bond also asked staff for a phone number to call in later that day when she had to travel unexpectedly.

Why it matters: Tennessee has been seeking ways to expand the pool of appraisers and reduce geographic gaps in appraisal capacity. The commission framed the approval as creating an additional, supervised pathway for experience hours — not as a replacement for sponsor-based training or required qualifying education.","The Tennessee Real Estate Appraiser Commission voted to approve a practicum pathway proposed by Melissa Bond (Lisonbee Bond) that provides experience hours for licensed appraisers; the education committee recommended approval after questioning instructor qualifications, curriculum scope and the 20-appraisal experience requirement.","actionData","errors"]

Article not found

Appraiser group urges review of Tennessee complaint and reviewer process; commission asks for data and to standardize reviewer forms

Commission discusses data collectors and hybrid (bifurcated) appraisal work; staff says regulation would require statute

Tennessee commission approves Lisonbee Bond practicum pathway for licensed appraiser experience hours