Half a dozen federal regulators last week, including the Federal Housing Finance Agency, issued inter-agency proposed new appraisal requirements for certain “higher-risk mortgage loans.” The proposed rule, required by Dodd-Frank Act revisions to the Truth in Lending Act, applies to loans for which the annual percentage rate exceeds the average market rate by 1.5 percent for first-lien loans, 2.5 percent for first-lien jumbo loans, and 3.5 percent for subordinate-lien loans. …