In what scenario is an appraiser not responsible for a creditor's violation of ECOA?

An appraiser is not responsible for a creditor's violation of the Equal Credit Opportunity Act (ECOA) if they did not contribute to the violation. This means that if the appraiser's actions or decisions did not play a role in creating or perpetuating the violation, they cannot be held liable. In the context of ECOA, the act prohibits discrimination in lending practices. Therefore, an appraiser's responsibility is closely tied to whether their appraisal practices or judgments had any discriminatory intent or effect.

The other scenarios, such as being unaware of the law or working quickly, might not absolve the appraiser of responsibility and imply some aspects of negligence or oversight, which would not be considered a defense against liability. Additionally, working for a large company does not exempt an appraiser from responsibility; they are still expected to uphold the laws and regulations applicable to their profession regardless of the size or structure of their employer.