The FDIC has consistently interpreted Reg X in this way. If you use the same service providers over and over, you had better list them in an addendum. It appears you are requiring an appraisal be obtained acceptable to your bank. And if you have a list to choose from then you need to list an appriaser. You will lose this arguement, so why make the examiners mad ?
Societies that do not find work in and of itself "pleasing to God and requisite to Man," tend to be highly corrupt.