Less than a year old, the Home Valuation Code of Conduct has come under heavy attack by Realtors, home builders and mortgage brokers, the very people it was set up to control.

They and their lobbying groups are pushing hard to abolish the HVCC and return to the good old days of wildly inflated appraisals and easy money. Replacing the HVCC, or modifying it to the point of making it ineffectual, would be a huge mistake.

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