If an appraiser performs an appraisal correctly but the creditor discriminates afterward, is the appraiser held responsible?

The correct choice emphasizes that an appraiser is not held responsible for discriminatory actions taken by a creditor after a proper appraisal is completed, as long as the appraiser has adhered to the relevant regulations and standards during the appraisal process.

Appraisers are expected to conduct their evaluations based on objective, professional criteria, applying appropriate methodologies and ethical practices to ensure that their appraisals are fair and unbiased. If an appraiser complies with these regulations and appropriately values the property based on its intrinsic characteristics and market data, they have fulfilled their responsibility. The actions taken by a creditor thereafter—such as discrimination—fall outside the appraiser's control and responsibility.

Therefore, the appraiser's liability hinges on their performance and adherence to regulations up to the point of completing the appraisal, rather than on the subsequent actions of others—such as creditors—who may misuse or misapply appraisal data.