I don't understand why THEY can't understand that every single time you get the government involved in anything, it costs more to the consumer! You have just added a layer of nothing but bureaucracy!
IE; the government got involved with how appraisals for homes was done. In our area you could get an appraisal done for $325, all day long. After the government stuck their fingers in that pie, they went up, instantly, to $450 and are now pushing $500. Not to mention the appraisal has to be put in a 'pool' and there's no telling where your appraiser is going to come from. I've had them drive to our area from Waco, TX. WACO! That's 3 hours from me!! What the hell do they know about our market?
/rant
KC