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Distracted Driving Awareness Month

No Texting While Driving

WHEREAS, distracted driving occurs when driving becomes secondary in importance to any another activity happening inside the car, truck, or motorcycle while the vehicle is moving; and

WHEREAS, The National Safety Council reports 1.6 million crashes a year involve drivers talking on cell phones or texting; and

WHEREAS, the greatest proportion of distracted drivers are under the age of 20; anddistracted driving awareness

WHEREAS, it has been found that 16% of all crashes involving drivers under the age of 20 occurred while the driver was distracted; and

WHEREAS, 44% of adults report that they have been passengers in a vehicle where the driver was using a cell phone in a way that put themselves or others in danger; and

WHEREAS, drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves; and

WHEREAS, driving while using a cell phone reduces the amount of brain activity associated with driving by 37%; and

WHEREAS, DRIVE SMART Virginia is committed to reducing the number of traffic deaths and injuries throughout the Commonwealth by educating motorists and bringing awareness to dangerous driving behaviors;

NOW, THEREFORE, we do hereby recognize April 2013 as DISTRACTED DRIVING AWARENESS MONTH in our COMMONWEALTH OF VIRGINIA, and call the attention of all citizens to this observance.

Be safe out there!



SAFE Act | Secure and Fair Enforcement for Mortgage Licensing Act

Secure and Fair Enforcement for Mortgage Licensing Act of 2008 The SAFE Act As originally enacted, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (“SAFE Act”), was passed on July 30, 2008.  The new federal law gave states one year to pass legislation requiring the licensing of mortgage loan originators according to… Continue Reading

Consumers, Brokers and Mortgage Credit Reporting Agencies All Lose as National Credit Bureaus Cash In

In the spring of 2007, we noticed unusual charges starting to appear on our credit report invoices.  And it was driving the cost of credit reports to our customers higher. What we found was that the three national credit bureaus – Experian, TransUnion, and Equifax – had unilaterally reinterpreted federal law and issued policies that… Continue Reading

Mortgage Fraud v. The Golden Rule

Stories are hitting the news wires constantly about mortgage fraud: Three lawyers were among 13 individuals indicted in Manhattan Wednesday on charges of operating a mortgage fraud scheme that bilked banks and other lenders Mortgage fraud-related Suspicious Activity Reports referred to law enforcement increased 36% to 63,713 during 2008, compared to 46,717 reports in 2007,… Continue Reading

Bank of America Settlement Could Provide $22k to Each Mortgage Holder

•  Bank of America has decided to settle claims by state’s attorney generals regarding certain risky loans by Countrywide.  The settlement covers nearly 400,000 borrowers.  “With this settlement, we have the first of its kind mandatory loan modification program,” said Illinois Attorney General Lisa Madigan, who filed a civil lawsuit alleging Countrywide had engaged in… Continue Reading

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