Niday vs GMAC, MERS, et al July 18, 2012

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    ILCGD8 Hwc| 2># :62:

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    @BOBEMTM# H2

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    tng l`tgzqgatlm` jgt{gg` Mzgkm`+q `m`hwdlalbc imzgacmqwzg cb{q b`d b azgbtwzg mi emzg1

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    tnzmwknmwt tng amw`tz| w`dgz qlelcbz qtbtg cb{q2%%lq {ngtngz EGZQ b`d ltq egejgzq ab`2

    byblc tngeqgcygq mi Mzgkm`+q qtbtwtmz|# `m`hwdlalbc imzgacmqwzg vzmagqq imz tzwqt dggdq:

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    tng` ilcgd tnlq dgacbzbtmz| hwdkeg`t b`d l`hw`atlyg zgclgi batlm` tm qtmv tng tzwqtgg+q qbcg#;

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    dggd ewqt jg zgamzdgd l` tng amw`t| emztkbkg zgamzdq# MZQ >9;17.2, Vcbl`tlii `m{2

    bvvgbcq# bkbl` bzkwl`k tnbt tng *Mzgkm` cgklqcbtwzg l`tg`dgd tng +jg`gilalbz|+ tm jg tng m`g:

    imz {nmqg jg`gilt tng _dggd mi tzwqtU lq klyg`# {nlan lq tng vbzt| {nm cg`t tng em`g|#*1

    zbtngz tnb` EGZQ [g bkzgg b`d nmcd tnbt tng *jg`gilalbz|* mi b tzwqt dggd w`dgz tng4

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    tng w`dgzc|l`k cmb` zgvb|eg`t mjclkbtlm` lq m{gd Tng tzwqt dggd l` tnlq abqg dgqlk`btgq9

    tng cg`dgz# Kzgg`Vml`t Emztkbkg Iw`dl`k# L`a# bq tng vbzt| tm {nme tng qgawzgd;

    mjclkbtlm` lq m{gd B`d# jgabwqg tngzg lq gyldg`ag tnbt Kzgg`Vml`t bqqlk`gd ltq>

    jg`gilalbc l`tgzgqt l` tng tzwqt dggd jwt dld `mt zgamzd tnbt bqqlk`eg`t# tng tzlbc amwzt gzzgd

    t|vlabcc| qgawzgd j| emztkbkgq Qgg# gk# Qgcc{mmd y Kzb| ) DgCbqnewtt# 22 Mz 714# 724, .dgqazljl`k ybzlmwq vzl`alvcgq mi emztkbkg cb{, J| qtbtwtg# Mzgkm` cb{:6

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    tm g`bjcg tng m{`gz mi tng emztkbkg tm zgamygz vmqqgqqlm` mi tng vzmvgzt| {ltnmwt b::

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    imzgacmqwzg b`d qbcg* MZQ >9626 Zbtngz# b emztkbkg azgbtgq b clg` m` tng vzmvgzt|2

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    jgg` ilcgd Qgg MZQ >>626 B`d# bq lq tng abqg {ltn mtngz clg`q# tng hwdlalbc imzgacmqwzg1

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    qmcd# tng emztkbkmz `m`gtngcgqq zgtbl`q tng zlknt tm qbtlqi| tng dgjt b`d zgdgge tng9

    vzmvgzt| imz b vgzlmd mi tleg bitgz tng qbcg MZQ >>6>6? MZQ >>266? MZQ :1426 %;

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    tng dggd tm b jg`gilalbz|*,12

    W`dgz tng MTDB# b tzwqt dggd lq *dggegd tm jg b emztkbkg m` zgbc:

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    bdygztlqgeg`t mz qbcg* {ltnmwt hwdlalbc l`ymcygeg`t4 W`dgz MZQ >9;17# imwz9

    zgrwlzgeg`tq ewqt jg qbtlqilgd l` mzdgz imz tng tzwqtgg tm l`ltlbtg b `m`hwdlalbc imzgacmqwzg8;

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    mz tng jg`gilalbz| b`d b`| bvvml`teg`t mi b qwaagqqmz tzwqtgg bzg zgamzdgd>9;47 b`d am`tbl`l`k tng tzwqtgg+q mz jg`gilalbz|+q gcgatlm` tm qgcc tng29;1; .dgqazljl`k tng imze mi tng `mtlag,? MZQ >9;46 .clqtl`k vgzqm`q tm9

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    zgrwlzgd `mtlag mi tng qbcg tm tng vzmvgz vbztlgq# b`d mtngz{lqg am`dwatq tng qbcg9;;6 .dgqazljl`k giigat mi b tzwqtgg+q qbcg,2:

    J Mzgkm`+q Zgamzdl`k Cb{q21

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    zgkbzdl`k zgamzdl`k mi emztkbkg bqqlk`eg`tq,7 Zgamzdl`k b` bqqlk`eg`t mi b emztkbkg2

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    egbqwzg mi vzmtgatlm` bkbl`qt qwjqgrwg`t vwzanbqgzq {nm bzg `mt mtngz{lqg b{bzg mi tng4

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    Tnmqg zgamzdl`k cb{q imz emztkbkgq {gzg l` vcbag l` 2

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    9;27 Imz `m{# qwiilag lt tm qb| tnbt tng2

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    dggd2

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    *( ( ( ( (2

    *TMKGTNGZ [LTN bcc tng levzmygeg`tq `m{ mz ngzgbitgz gzgatgd:m` tng vzmvgzt|# b`d bcc gbqgeg`tq# bvvwztg`b`agq# b`d il~twzgq `m{ mz1ngzgbitgz b vbzt mi tng vzmvgzt| Bcc zgvcbageg`tq b`d bddltlm`q qnbcc bcqm4

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    imzgacmqg tng tzwqt dggd Qvgalilabcc|# dgig`db`tq g~vcbl`gd82

    tng +jg`gilalbz|+ mi b`|tnl k dgqvltg jmlcgzvcbtg cb`kwbkg l` Dggdq mi Tzwqt* .Gevnbqlq9;17.2, *_[Unbt tnbt+q tgccl`k wq l` tnbt29

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    bqqlk`eg`t {mwcd nbyg tm jg zgamzdgd# bq L+e zgbdl`k tnlq*2 Dgig`db`tq bzkwgd tnbt#::

    > Tng vbztlgq bkzggd tnbt qwjqgatlm`q .:,# .1,# b`d .4, {gzg `mt bt lqqwg

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    jgabwqg EGZQ {bq tng mzlkl`bc b`d awzzg`t `begd jg`gilalbz|# *_{Ug qb| lt {bq `mt2

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    *jg`gilalbz|* b`d tnbt tng mzlkl`bc cg`dgz# {nm {bq `mt vbzt mi tng imzgacmqwzg vzmagqq#4

    `gygz zgamzdgd b qwjqgrwg`t bqqlk`eg`t mi ltq jg`gilalbc l`tgzgqt87

    *Tng cb`kwbkg l` tnbt qtbtwtg tnbt qb|q# +B`d b`| bqqlk`eg`tq#+ lq vwt9tngzg imz b zgbqm`# b`d L {mwcd vzmiigz tm tng Amwzt tnbt tng zgbqm` lq# li;|mw+yg kmt b qtzb`kgz tm tng tzb`qbatlm`# b tnlzd vbzt| {nm lq `mt tng mzlkl`bc>cg`dgz# {nm lq tz|l`k tm imzgacmqg# |mw nbyg tm qnm{ tnbt |mw# tng tnlzd9;17#* tng amwzt kzb`tgd dgig`db`tq+ emtlm` b`d g`tgzgd hwdkeg`t2;

    bkbl`qt vcbl`tlii2>

    LL B@BC\QLQ29;17.2,# {nlan {g dlqagz` izme tng tg~t# am`tg~t# b`d ngcviwc24

    Am# 2

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    cgklqcbtlyg nlqtmz| mi tng qtbtwtg22 Qtbtg y Kbl`gq# 149 Mz 296# :69 V1d 264: .:667< V:d 2241 .29;67 tm >9;jg`gilalbz| lq rwbclilgd tm jg b tzwqtgg w`dgz MZQ >9;9;67.2,#tng dgil`ltlm` mi jg`gilalbz|# b`d tnbt tng *am`tg`tlm` tnbt _dgig`db`tqU dld `mt amevc|{ltn MZQ >9;17.2, lq `mtbt lqqwg ngzg* .Gevnbqlq j| dgig`db`tq, [g bvvzgalbtg tnbtvcbl`tlii+q jzlgi lq `mt b emdgc mi acbzlt| zgkbzdl`k nm{ tng qtbtwtmz| qangeg iltq tmkgtngz#b`d ngz imawq agztbl`c| lq m` tng dgil`ltlm` mi *jg`gilalbz|* w`dgz MZQ >9;67.2,Nm{gygz# bq tng rwmtgd vmztlm`q mi tng qweebz| hwdkeg`t ngbzl`k dgem`qtzbtg# :72 MzBvv bt ]]] .qclv mv bt 24%27,# tng vbztlgq b`d tng tzlbc amwzt w`dgzqtmmd tng dgil`ltlm` mi*jg`gilalbz|* l` MZQ >9;67.2, tm jg levmztb`t l`qmibz bq lt dzlygq tng am`acwqlm` tnbttngzg bzg `m w`zgamzdgd bqqlk`eg`tq j| tng jg`gilalbz| imz vwzvmqgq mi MZQ >9;17.2,Tng tzlbc amwzt g~vzgqqc| zwcgd tnbt tng zgrwlzgeg`tq mi MZQ >9;17 imz `m`hwdlalbcimzgacmqwzg {gzg qbtlqilgd# b`d lt lq tnbt qweebz| hwdkeg`t tnbt vcbl`tlii nbq bvvgbcgd

    http://www.publications.ojd.state.or.us/Publications/S055031.htmhttp://www.publications.ojd.state.or.us/Publications/S055031.htmhttp://www.publications.ojd.state.or.us/Publications/S055031.htm
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    dggd lq klyg`* lq {nmgygz tng tzwqt dggd qb|q lt lq2:2

    [g bzg `mt vgzqwbdgd tnbt tng cgklqcbtwzg l`tg`dgd alzawcbzlt| b`d:

    zgdw`db`a| l` dgil`l`k jg`gilalbz| Tng cgklqcbtwzg amwcd nbyg qlevc| dgil`gd1

    *jg`gilalbz|* bq tng vgzqm` `begd mz mtngz{lqg dgqlk`btgd l` b tzwqt dggd bqtng4

    jg`gilalbz| L`qtgbd# tng cgklqcbtwzg wqgd tng vnzbqg *tng vgzqm` imz {nmqg jg`gilt b tzwqt7

    dggd lq klyg`_U* [g vzgqweg tnbt tng cgklqcbtwzg wqgd tnbt dliigzg`t cb`kwbkg imz b9

    zgbqm` Qtbtg y Acmwtlgz# 172 Mz 9># # :92 V1d 2:14 .:622, .bctnmwkn zgdw`db`a| eb|;

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    vbwqg*? amwztq kg`gzbcc| qtzlyg tm *klyg giigat tm bcc* mi tng vbztq mi b qtbtwtg .altl`k MZQ9;67 tm >9;

    vgzqm` `begd l` tng dggdtm b jg`gilalbz|#* MZQ >9;67.7, .gevnbqlq b`d w`dgzqamzl`k9;67.:,22

    .gevnbqlq bddgd,? l` tng qtbtwtg bwtnmzlxl`k tzwqt dggdq8 *Tzb`qigzq l` tzwqt mi b` l`tgzgqt2:

    l` zgbc vzmvgzt| eb| jg ebdg tm qgawzg tng vgzimzeb`ag mi b` mjclkbtlm` mi b kzb`tmz# mz21

    b`| mtngz vgzqm` `begd l` tng dggd# tm b jg`gilalbz|#* MZQ >9;26 .gevnbqlq b`d24

    w`dgzqamzl`k bddgd,? b`d l` tng qtbtwtg dggel`k tzwqt dggdq tm jg emztkbkgq8 *tng27

    jg`gilalbz| lq dggegd tng emztkbkgg#* MZQ >9;2729

    @mtnl`k l` tng tg~t# am`tg~t# mz cgklqcbtlyg nlqtmz| mi tng MTDB qwkkgqtq2;

    tnbt tng cgklqcbtwzg l`tg`dgd tng *vgzqm` imz {nmqg jg`gilt b tzwqt dggd lq klyg`* tm zgigz tm2>

    b`|m`g mtngz tnb` tng vbzt| tm {nme tng qgawzgd mjclkbtlm` {bq mzlkl`bcc| m{gd MZQ29;67.2, B`d# bq b ebttgz mi nlqtmzlabc am`tg~t# dgig`db`tq+ am`qtzwatlm` mi tng qtbtwtg:6

    lq `mt am`qlqtg`t {ltn nm{ qgawzlt| l`qtzweg`tq l` tng `btwzg mi emztkbkgq iw`atlm`gd J|:2

    tng tleg tng MTDB {bq g`batgd l` 2

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    egzgc| b` l`aldg`t tm tng w`dgzc|l`k dgjt QggJgbwanbev y Hmzdb # 2;9 Mz 1:6# 1:;#2

    27; V:d 764 .24

    V:d 716 .2

    amccbtgzbc bkzggeg`tq# bq b` l`tgkzbc vbzt mi tnmqg l`qtzweg`tq*,? Qancggi y Vwzd| gt bc## :24 V 21; .2

    tng emztkbkg# tzb`qigzq tng emztkbkg_U* .Gevnbqlq bddgd,, L` mtngz {mzdq# tng29;67 b`d qtbtgq9

    tnmqg dgil`ltlm`q bvvc| *_bUq wqgd l` MZQ >9;67 tm >9;

    dmmz tm b *emdlilgd dgil`ltlm`* mi jg`gilalbz| jgabwqg tng *Mzgkm` Cgklqcbtwzg g~vzgqqc|9;:6.1,# {nlan qtbtgq tnbt# jgimzg lqqwb`ag b`d zgamzdl`k mi b22

    zgcgbqg mi tng tzwqt dggd# *tng tltcg l`qwzb`ag amevb`| mz l`qwzb`ag vzmdwagz qnbcc klyg2:

    `mtlag mi tng l`tg`tlm` tm zgamzd b zgcgbqg mi tzwqt dggd tm tng jg`gilalbz| mi zgamzd b`d# li21

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    tng `mtg m{`gz bzg `mt bc{b|q tng qbeg vbzt| Qm am`tzbz| tm _vcbl`tlii+qU zgbdl k mi MZQ29

    >9;67.2,# tng Mzgkm` Cgklqcbtwzg nbq `mt zgqtzlatgd vbztlgq izme bvvml`tl`k b` bkg`t tm2;

    qgzyg bq jg`gilalbz| mi zgamzd*2>

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    qtbtwtmz| am`qtzwatlm` rwgqtlm` jgimzg wq# b`d# l` mwz ylg{# `gltngz bkg`a| `mz `mel`gg:2

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    emdlilgd qtbtwtmz| dgil`ltlm` Emzgmygz# dgig`db`t+q qwkkgqtlm` tnbt b `mel`gg mz bkg`t2

    elknt nmcd *cgkbc tltcg* bq tng *jg`gilalbz|* mi b tzwqt dggd il`dq `m qwvvmzt l` tng MTDB:

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    Dgig`db`tq+ zgclb`ag m` MZQ >9;:6.1, lq bcqm elqvcbagd Tnbt qtbtwtg#2

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    `mel`gg mi Kzgg`Vml`t29;17# l`acwdl`k tng zgrwlzgeg`t l`::

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    qwjqgatlm` .2, tnbt *b`| bqqlk`eg`tq mi tng tzwqt dggd j| tng tzwqtgg mz tng jg`gilalbz| ( (2

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    jg`gilalbz|7

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    qbtlqilgd271

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