In my opinion these hybrid appraisals/reports will pose a hazard to the public and will lack accountability. The only person in which will be held liable is the appraiser being as they will be the only one in which will be licensed and have E&O insurance. The public will be misguided thinking that all parties involved will have the experience and expertise in order to perform their duties, when they will not. Public Trust will come into question. Allowing unlicensed, unregulated, unsupervised individuals to provide significant assistance in the appraisal process is a slippery slope. It appears that everyone is trying to get things done as quickly as possible, without regard to quality or accountability. I thought that the industry and/or country would have learned from the crash in 2007-2008 but I see that short memories seem to prevail. This will not help the consumer, this is all about getting the loan closed faster and all about the all mighty dollar without regard to the affect it will have to the public. Thank you for the opportunity to provide my opinion pertaining to hybrid appraisals and I trust that you will review all possible pieces of information prior to making your decision.