Buying and selling real estate takes sharp peripheral vision. You focus on the events in front of you, only to find you aren’t seeing what clearly affects you most. Unfortunately, many events have ripple effects. One of these events — the financial crisis — has prompted a number of changes. One change is the Home Valuation Code of Conduct (HVCC), enacted May 1, 2009, in response to concerns that appraisers were being unduly influenced by outside forces. It was hoped that the HVCC would provide guidelines to insure appraiser independence. One safeguard in the HVCC required that someone uninvolved and independent of the mortgage loan process select the appraiser. Thus emerged a new entity, the Appraisal Management Company (AMC). Buyers, sellers or Realtors no longer have any input regarding appraisers. The most restrictions are on employees involved with the mortgage lending process; they are not allowed to have an appraisal-related conversation with either the appraiser or AMC.