The time has come for members of Congress, the prudential regulators, the Appraisal Subcommittee and the Consumer Financial Protection Bureau to work collaboratively to ensure that consumers and all the industry stakeholders involved in the home buying and refinance process will benefit from a system of regulation that helps ensure the independence and integrity of the appraisal process. These efforts will promote equal access to responsible and sustainable credit and a robust mortgage marketplace that meets our nations immediate housing finance needs.