Refer to the Inter-Agency Guidance
• FDIC short version (same regulation, just a short summary version: Note Section V
V. Independence of the Appraisal and Evaluation Program
For both appraisal and evaluation functions, an institution should maintain standards of independence as part of an effective collateral valuation program for all of its real estate lending activity. The collateral valuation program is an integral component of the credit underwriting process and, therefore, should be isolated from influence by the institution's loan production staff. An institution should establish reporting lines independent of loan production for staff who administer the institution's collateral valuation program, including the ordering, reviewing, and acceptance of appraisals and evaluations.
In my opinion, anyone in the sales or origination function, cannot directly select or place the order with the appraiser. These roles can generate an appraisal request to the "Appraisal Desk" or Appraisal Dept" to order it, but they should not have direct contact. There is too much of a risk that they can influence the selection of the appraiser and the overall outcome.
Old School Banker