It is now January, and our thoughts look back to the holidays as we are often side-tracked by many things this time of year. We are busy changing clocks, changing our wardrobe (well most of us anyway), and especially in our industry, changing our regulations and laws. The media does not have negative stories about us every five minutes, but our regulators have not forgotten how to get media attention using consumer protection as the focus. The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is in full swing for most states and many have, or are currently, adapting changes to comply with licensing and the national registry requirements. You are probably wondering why I would title this article “Thankful” with the lead in I just mentioned. I am thankful for the opportunity to still provide the knowledge and expertise my community needs. I am thankful I obtained my National Association of Mortgage Brokers (NAMB) certifications several years ago which helped me be more prepared for the licensing we are now going through. I am thankful that I belong to an association (NAMB) that cares about my business and profession by trying to be proactive with legislation and information. As the month and 2009 ebb to a close, look at what you are thankful for and let those around you know. Take a moment to look into areas, such as certification, that will benefit your professional status and knowledge. Have a great 2009 holiday season! Pava J. Leyrer, CMC, CRMS, is president and owner of Heritage National Mortgage Corporation in Grandville, Mich., and Certifications Committee chair for the National Association of Mortgage Brokers. She may be reached by phone at (616) 534-4993.