The Appraisal Regulation Compliance Council (ARCC) is a nonpartisan, nonprofit academic research organization dedicated to helping consumers and policymakers navigate the complex policies that shape mortgage regulations, market valuations and housing affordability. ARCC provides evidence-based research, commentary and analysis that highlight appraisers’ duty to uphold the public trust.
More than one in five workers—approximately 22% of the U.S. workforce—is directly impacted by regulation. ARCC’s research examines unaligned state regulations, gaps in federal policies such as Dodd-Frank, Title XI and FIRREA, and issues within a real estate finance system rife with appraisal control fraud. Our mission is to identify regulatory and market practice deficiencies that require urgent resolution to safeguard the public and ensure a fair, functional real estate market.
Using data from the Federal Housing Finance Agency’s 2024 Uniform Appraisal Dataset (UAD), ARCC has developed and maintains an active mortgage valuation and regulatory compliance database. This resource tracks the effects of government regulations on consumers and licensing by state. Leveraging this national database, ARCC provides nonpartisan research to support analysis and insights from leading experts in the real estate market.
Lori is Co-Founder and Director of the Appraisal Regulation Compliance Council (ARCC), where she leads national research and policy initiatives on appraisal licensing and regulations. As a mentor, she pressed for the passage of the 2022 West Virginia Licensing Board Act, successfully advancing reforms to reduce barriers to entry and address conflicts of interest in the appraiser licensing framework.
A recognized expert in federal and state-level appraisal policy, Lori is frequently cited in leading financial and housing publications, including American Banker, HousingWire, and Yahoo Finance.
Lori’s leadership at ARCC is grounded in a clear objective to make a positive impact on society and licensing in the complex mortgage and valuation systems. Her academic and policy work focuses on translating technical research into accessible insights to inform legislation and public understanding.
Co-Founder and Director. Over the last ten years, Josh has created and operated a regional bank’s Appraisal Department based on careful compliance with all GSE requirements in addition to the Interagency Appraisal & Evaluation Guidelines, Dodd Frank, TILA, and FIRREA.
Josh recognized the lack of information regarding appraisal regulations and laws and the need for consumers and regulators to better understand the valuation profession from a nonpartisan academic research organization. Josh’s efforts empower other banks' chief appraisers and consumers to protect themselves from unethical/illegal practices and show regulators how to assist them in making more informed decisions when writing rules, regulations, and laws.
Josh completed his BS in Business Administration (Economics) at Oklahoma State University. Josh served in the US Air Force and is a combat veteran.
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