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A licensed appraiser may only discuss the value opinion with the client. If the owner is the client, then the appraiser can discuss the value opinion. If the client is really the lender in a refinance or purchase situation, even if the owner pays the appraisal fee, the appraiser may only discuss value with the lender-client. The rules are spelled out in complete detail the Uniform Standards of Professional Appraisal Practice (USPAP). RMK

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