Announcement 09-14, Electronic Appraisal Reports, Enhancements to the Loan Delivery File Format, and Mortgage Fraud Reporting, stated that Fannie Mae will require the submission of electronic appraisal reports and their addenda in an acceptable XML format for all loans requiring an appraisal report. The date lenders will be required to comply with this requirement has changed from March 1, 2010 to sometime on or after July 1, 2010 (effective date to be announced). Also, the acceptable submission format has changed to accommodate XML formats that are commonly used in the residential appraisal marketplace.