Appraisal reform could become a central issue in next year’s Congress when lawmakers begin consideration of legislation establishing national standards for subprime lending. The likelihood of appraisal reform emerged as a bipartisan congressional team led by Rep. Paul Kanjorski, D-PA, concluded its inquiry into predatory lending practices in the congressman’s district in the Pocono Mountains . The team returned to Washington last week after conducting a field hearing in Monroe County , where soaring