For a higher-priced mortgage loan, the creditor must obtain a written appraisal, based on a physical property visit of the interior, performed by a certified or licensed appraiser before consummation, must give the applicant a copy of the appraisal free of charge, and, for certain flipped properties sold at a price significantly higher than the seller's acquisition price, must obtain a second appraisal at no cost to the consumer (12 CFR 1026.35(c)).
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.