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Instructions on Submitting Complaints on Noncompliance With the Home Valuation Code of Conduct

The Home Valuation Code of Conduct (Code) complaint form is for complaints regarding noncompliance with the Code.

Examples of what to report:

• Violations of the Home Valuation Code of Conduct;
• Improper attempts to influence an appraiser or the appraisal process;
• Undue pressure to support a desired valuation;
• Use of unlicensed, uncertified appraisers;
• Withholding or threatening to withhold timely payment or future business for an appraiser; or
• A borrower's failure to receive a copy of the appraisal report at no cost from the lender at least three days prior to loan closing without the appropriate waiver.

Examples of what we cannot assist you with:

• Property valuation disputes;
• Disputes about selection of comparable properties for establishing property valuation;
• Appraiser compensation amounts;
• Appraisal management company fees;
• Appraisal fee amounts;
• Appraisal issues involving FHA or VA mortgages, or other government-insured loans;
• Appraisal issues handled by government agencies;
• Appraisal issues involving multifamily loans;
• Scheduling of the property inspection as part of the appraisal process;
• USPAP violations beyond the scope of the HVCC; or
• Use of appraisers outside their areas of geographic competence.

Complaints about violations of the Uniform Standards of Professional Appraisal Practice (USPAP) or of state appraisal regulations should be submitted to the appropriate state appraisal board. Please refer to www.asc.gov for state regulatory board contact information.

Submitting a Complaint Form

If, after reviewing the Code and FAQs, you have determined that you have a complaint regarding non-compliance with the Home Valuation Code of Conduct, please review the terms and conditions set forth in the complaint form before filing a complaint.

Completed complaint forms may be submitted in one of the following two ways:

1. Mail the completed and signed form along with any supporting documentation to the below address.

   Freddie Mac
   HVCC Noncompliance Complaint Submission
   PHO II – MS: A2K
   8250 Jones Branch Drive
   McLean, VA 22102-3110

2. Submit the form electronically to the HVCC Complaints e-mail box. You will be asked to provide an electronic signature with this option. Once you agree to the terms and conditions and click "submit by e-mail," you will have an opportunity to attach any supporting documentation to the e-mail form. You will receive an e-mail confirmation that your submission was successful.

As a reminder, anonymous submissions or submissions that are missing required information, including the signature, will not be reviewed. Download the complaint PDF form now to begin the complaint submission process.