Evaluation reports are a product that we have chosen to offer. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency have increased the threshold for commercial real estate transactions requiring an appraisal from $250,000 to $500,000. This change could have an impact on the safety and soundness of financial institutions. It allows lenders to use evaluations in lieu of appraisals.