Which of the following actions is NOT a violation of the North Carolina S.A.F.E. Act?

• A. Asking an appraiser to change a property's value
• B. Offering bonuses for quick appraisals
• C. Asking an appraiser to consider additional information
• D. Providing incentives for appraisals

Answer: (C)

The correct answer is based on the principle that requesting an appraiser to consider additional information is permissible and does not inherently violate the North Carolina S.A.F.E. Act. The law encourages accurate property valuations, and asking an appraiser to consider relevant data can help ensure that the appraisal reflects the property's true market value. This action can be seen as part of the lender's or mortgage originator's responsibility to provide a comprehensive perspective of the property that may not be otherwise obvious.

In contrast, actions such as asking an appraiser to change a property's value or offering bonuses for quick appraisals create conflicts of interest and pressure on appraisers, which can compromise the integrity of the appraisal process. These practices can lead to inflated appraisals and are prohibited under the law to maintain fairness and transparency in the financial system. Providing incentives that could influence an appraiser's judgment similarly breaches ethical standards set forth in the S.A.F.E. Act.