OK - then the first appraisal, it sounds to me, that it was unacceptable to the bank after it went through the appraisal review process and the differences could not be rectified when working with the appraiser.
I can understand that fact and the fact that the bank then subsequently ordered a second appraisal.
Given these circumstances IMHO, what you cannot do, is charge the borrower for the first appraisal, as the bank rejected it.
Whether the bank has to pay the first appraiser for a defective appraisal is a contract issue between the bank and the appraiser.
What it is not, is the borrower's fault that you, the lender, chose an appraiser that could not deliver an acceptable product and therefor charging the consumer for the first appraisal puts you squarely in a UDAAP position.
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