The amplitude for pion photo- and electroproduction from finite nuclei
is constructed in a model that ignores rescattering of the pion. A co
nsistent expansion in inverse powers of the nucleon mass is performed,
which generates effective one-body and two-body nuclear operators. Th
e former agree with the Blomqvist-Laget effective operators, while the
latter are new and arise from binding-induced and binding-modified em
ission. Current conservation is applied to this set of operators and t
hey are cast separately into manifestly gauge-invariant forms. A simpl
e approximation to the complicated two-body terms is constructed, whic
h shares many of the features of the latter.