Though the battle over de minimis standards for real estate loan appraisals may be lost for the moment, one of the principal lobbyists for the appraisers is confident there is potential to influence regulators to strictly enforce the appraisals reforms contained in the thrift bailout law.

"The fight over the $100,000 threshold isn't the real issue, "said Donald E. Kelly, vice president for government affairs in the Washington office of the Appraisal Institute. "The real issue is that collateral be valued appropriately."

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