experiences with getting different appraisals on their california homes. this is just over two hours. the hearing is being recorded and live stream data consumer finance it is being recorded at consumer finance.com back slash events. my name is martinez, i served as chair of the board of the appraisal subcommittee or a s.e.. i also served as the deputy director for the consumer financial protection bureau, the cfpb. today s hearing presents an opportunity to learn more about appraisal bias and get that information to the public. here is what you can expect. a s.e. executive director jim park will frame the discussion by providing a short presentation about the aoc and its authorities. following his presentation, we will hear from a panel of witnesses who represent different sides of the at home appraisal transaction, homeowner, lender, appraisal, and an academic who is conducted statistical analysis of available data on appraisal bias. the witnesses were share their perspecti