Abstract: The behavior-based driving record management program is designed to assist drivers that have received driving penalties or “demerit points” to improve their behavior and “rehabilitate” to recover their driving privileges. Telematics are used to monitor the driving behavior over time and provide feedback to the driver. The system can also be used to implement graduated licensing programs to ensure that only qualified young drivers are graduating from one level to another demonstrating actual driver behavior and driving experience while reducing fraud.