Finance committee  It depends on your client. In most cases it will go to the lender because it will be the intended user of the report. It will be the one relying on it.

Finance committee  That's highly unlikely. In most cases it is prepared for the intended user, who would ultimately be the client, who would be the lender, typically.

Finance committee  Many lenders have safeguards and policies in place whereby original documentation must be received from the appraiser, so there are some safeguards, such as electronic signatures digitally secured. They have some mechanisms with respect to policies to protect that process.