; (2) the applicable lender, guarantor, regulating agency, or insurer may order additional services to include an interior inspection at a later date; and (3) the lender certifies that an appraiser rejected the assignment over health and safety concerns related to Coronavirus Disease 2019 (COVID-19). (b) Exception to exterior only appraisals If an exterior-only inspection appraisal pursuant to subsection (a)(1) is prevented by State or local laws or orders, a desktop appraisal shall be utilized in conjunction with other methods, including borrower (or prospective borrower) observations or verifiable contemporaneous video or photographic documentation by the borrower (or prospective borrower), to the extent they are available. (c) Stipulation An appraiser conducting an appraisal without an interior inspection pursuant to this section shall stipulate an extraordinary assumption that the property’s interior quality, condition, and physical characteristics are as described and consistent with the exterior view, and shall employ all available methods to maximize accuracy while maintaining safety. (d) Rulemaking Not later than the end of the 7-day period beginning on the date of the enactment of this Act, the Secretary of Housing and Urban Development, the Secretary of Agriculture, the Secretary of Veterans Affairs, and the Director of the Federal Housing Finance Agency shall issue such rules or guidance as may be necessary to ensure that such agencies, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, and the Federal home loan banks make any adjustments to single-family mortgage processing requirements that may be necessary to provide flexibility to avoid in-person interactions while preserving the goals of the programs and consumer protection.