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Wednesday, Jan. 23, 2008 | How is sending appraisers to college going to help their ethics? The problem is that the broker picks the appraiser. The lender and the broker must maintain a list of unacceptable appraisers which was supposed to mean the appraiser’s work is unacceptable. It is widely known this means that when the appraiser didn’t supply the asked-for value, they pretty much went out of business for lack of assignments.