Well, the provision allows big banks, the big 4 doing 92% of the derivatives to benefit on the up side, while hedging losses with insured deposits that are picked up by FDIC, they don't lose, the tax payer does as FDIC is a quasi government entity that can be funded if the FDIC reserves are at risk, which is all what went on in 08 and then stuff hit the fan.Not much play there by small or regional banks, so I have no idea what that spin may have been.As to exemptions, exemptions do not exist for lenders, banks, mortgage broker types.

Anyway, here is the language regarding to Spokeo - † All data offered is derived from public sources.

The only cap rate you should be concerned about is the market cap rate and the exact NOI calculations that were used to derive them.

So in closing, CAP Rates are only a small sliver of the overall assessment (though frequently used to derive a FMV on most asset clases other than SFR) and if that's all you know, you may not make it in this industry.

Are you willing to try to estimate Utility Costs for the coming year with all the uncertainty in the World today to derive a Base Rent Rate to charge?

ITV is not really used to derive a bid or capitalization amount.  

made an excellent point about from where some of the ideas about property value derive.  

The MLS may show some information derived from the public records but it was entered by realtors so there may be errors.

Bonus depreciation is derived from the portion of the property's value with a 15 year depreciation schedule or less.

I also think others have derived value by learning from my mistakes and experience.