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<section article="gfi" article_name="Financial Institutions" number="11-624" title_number="11" title_name="Consumer Credit" subtitle_number="6" subtitle_name="Mortgage Loan Originators">
  <level label="a">
    <text>A person subject to this subtitle may not, in connection with a mortgage loan or loan application:</text>
    <level label="1">
      <text>Make a payment, threat, or promise, directly or indirectly, to another person for the purpose of influencing the person to violate any federal or State law, or any standard of professional practice recognized by the federal or State government; or</text>
    </level>
    <level label="2">
      <text>Make a payment, threat, or promise, directly or indirectly, to an appraiser of residential real estate for the purpose of influencing the independent judgment of the appraiser with respect to the value of the residential real estate, or engage in any other act or practice that impairs or attempts to impair an appraiser’s independence, objectivity, or impartiality, including:</text>
      <level label="i">
        <text>Withholding or threatening to withhold payment for an appraisal with the intent to coerce the appraiser to agree to a value, range of values, or minimum value for the residential real estate;</text>
      </level>
      <level label="ii">
        <text>Conditioning the payment of an appraisal fee on the opinion, conclusion, or valuation to be reached by the appraiser; or</text>
      </level>
      <level label="iii">
        <text>Requesting the appraiser to report a predetermined opinion, conclusion, or valuation.</text>
      </level>
    </level>
  </level>
  <level label="b">
    <text>This section does not prohibit a person subject to this subtitle from:</text>
    <level label="1">
      <text>Requesting another person to:</text>
      <level label="i">
        <text>Consider additional appropriate information;</text>
      </level>
      <level label="ii">
        <text>Provide additional details, substantiation, or explanation of a conclusion made by the other person; or</text>
      </level>
      <level label="iii">
        <text>Correct errors in an appraisal report or other mortgage document; or</text>
      </level>
    </level>
    <level label="2">
      <text>Withholding payment for an appraisal pending resolution of an action before a federal or State court or licensing board relating to the appraisal.</text>
    </level>
  </level>
</section>
