As a professional appraiser, the typical scenario you encounter is that, sometime after you prepare an appraisal report for a client, the original lender (or a different lender) calls seeking a letter permitting him or her to use and rely on your report in order to make a lending decision. If asked, you need to obtain your client's consent as you owe a duty of confidentiality to your client before you disclose the report to a third party. If you do choose to proceed and issue a transmittal/reliance letter, the following minimum recommendations should be considered: 1. The transmittal/reliance letter should include a true copy of the appraisal report. 2. There should be a statement to the effect that the lender may rely on the true copy only, that liability on any other copy is expressly denied. 3. The transmittal/reliance letter should specify that the report must be relied upon in its entirety.