id	sid	eid	entity	type
cblr-9988	1	1	microsoft	ORG
cblr-9988	1	2	12	CARDINAL
cblr-9988	2	1	mary zhu*	PERSON
cblr-9988	9	1	i. introduction	PERSON
cblr-9988	9	2	623 ii	CARDINAL
cblr-9988	11	1	624	CARDINAL
cblr-9988	11	2	2022	CARDINAL
cblr-9988	11	3	columbia law school	ORG
cblr-9988	11	4	b.a. 2018	ORG
cblr-9988	11	5	mcgill university	ORG
cblr-9988	12	1	kathryn	PERSON
cblr-9988	12	2	the columbia business law review	ORG
cblr-9988	13	1	622	CARDINAL
cblr-9988	13	2	2022	CARDINAL
cblr-9988	13	3	today	DATE
cblr-9988	13	4	625	CARDINAL
cblr-9988	13	5	628 1	CARDINAL
cblr-9988	15	1	629 2	CARDINAL
cblr-9988	16	1	630 3	CARDINAL
cblr-9988	17	1	634 iii	QUANTITY
cblr-9988	18	1	639	CARDINAL
cblr-9988	18	2	a. business models	ORG
cblr-9988	18	3	640 1	CARDINAL
cblr-9988	19	1	642 2	CARDINAL
cblr-9988	20	1	644	CARDINAL
cblr-9988	21	1	645 1	CARDINAL
cblr-9988	23	1	646 2	CARDINAL
cblr-9988	25	1	646 3	CARDINAL
cblr-9988	26	1	648	CARDINAL
cblr-9988	27	1	650	CARDINAL
cblr-9988	27	2	650	CARDINAL
cblr-9988	28	1	1:621	CARDINAL
cblr-9988	28	2	623	CARDINAL
cblr-9988	29	1	652	CARDINAL
cblr-9988	29	2	655 1	CARDINAL
cblr-9988	31	1	658 2	CARDINAL
cblr-9988	33	1	658 3	CARDINAL
cblr-9988	35	1	660	CARDINAL
cblr-9988	35	2	663	CARDINAL
cblr-9988	37	1	the last few decades	DATE
cblr-9988	41	1	624	CARDINAL
cblr-9988	41	2	columbia business law review	ORG
cblr-9988	41	3	2022	CARDINAL
cblr-9988	46	1	today	DATE
cblr-9988	53	1	today	DATE
cblr-9988	55	1	1:621	CARDINAL
cblr-9988	55	2	625	CARDINAL
cblr-9988	56	1	a. banks	PERSON
cblr-9988	56	2	today	DATE
cblr-9988	57	1	the late 1900s	DATE
cblr-9988	57	2	less than $250,000	MONEY
cblr-9988	57	3	1	CARDINAL
cblr-9988	57	4	daniel brown	PERSON
cblr-9988	57	5	u.s.	GPE
cblr-9988	58	1	2019	CARDINAL
cblr-9988	59	1	2	CARDINAL
cblr-9988	59	2	half	CARDINAL
cblr-9988	59	3	149	CARDINAL
cblr-9988	59	4	2015	CARDINAL
cblr-9988	60	1	3	CARDINAL
cblr-9988	60	2	jeremy c. kress &	PERSON
cblr-9988	60	3	matthew c. turk	PERSON
cblr-9988	60	4	115	CARDINAL
cblr-9988	60	5	univ	ORG
cblr-9988	61	1	l. rev	PERSON
cblr-9988	61	2	647	CARDINAL
cblr-9988	61	3	678	CARDINAL
cblr-9988	61	4	2020	DATE
cblr-9988	61	5	1994	DATE
cblr-9988	62	1	4	CARDINAL
cblr-9988	62	2	6	CARDINAL
cblr-9988	62	3	2019	DATE
cblr-9988	64	1	5	CARDINAL
cblr-9988	65	1	corp.	ORG
cblr-9988	65	2	fdic small business lending	ORG
cblr-9988	65	3	44	CARDINAL
cblr-9988	65	4	2018	DATE
cblr-9988	67	1	69.8%	PERCENT
cblr-9988	67	2	14.8%	PERCENT
cblr-9988	68	1	626	CARDINAL
cblr-9988	68	2	2022	CARDINAL
cblr-9988	69	1	more than sixty-four percent	CARDINAL
cblr-9988	69	2	only roughly fifteen percent	PERCENT
cblr-9988	71	1	6	CARDINAL
cblr-9988	71	2	gordon mills &	ORG
cblr-9988	71	3	brayden mccarthy	PERSON
cblr-9988	71	4	42	CARDINAL
cblr-9988	73	1	sch	PERSON
cblr-9988	74	1	17-042	CARDINAL
cblr-9988	74	2	2016	DATE
cblr-9988	75	1	2020	DATE
cblr-9988	75	2	seventy-eight percent	PERCENT
cblr-9988	75	3	250,000	MONEY
cblr-9988	76	1	fed	ORG
cblr-9988	77	1	rsrv	PERSON
cblr-9988	78	1	2020	DATE
cblr-9988	78	2	10	CARDINAL
cblr-9988	78	3	2020	DATE
cblr-9988	78	4	20/2020	CARDINAL
cblr-9988	79	1	7 forty-four percent	CARDINAL
cblr-9988	79	2	the last five years	DATE
cblr-9988	79	3	twenty percent	PERCENT
cblr-9988	79	4	six percent	PERCENT
cblr-9988	80	1	fed	ORG
cblr-9988	81	1	rsrv	PERSON
cblr-9988	82	1	6	CARDINAL
cblr-9988	82	2	9	CARDINAL
cblr-9988	83	1	forty percent	PERCENT
cblr-9988	83	2	thirty-six percent	PERCENT
cblr-9988	84	1	15	CARDINAL
cblr-9988	84	2	8	CARDINAL
cblr-9988	85	1	corp.	ORG
cblr-9988	85	2	supra	PERSON
cblr-9988	85	3	5	CARDINAL
cblr-9988	85	4	40	DATE
cblr-9988	85	5	9	CARDINAL
cblr-9988	86	1	10	CARDINAL
cblr-9988	86	2	supra	PERSON
cblr-9988	86	3	6	CARDINAL
cblr-9988	86	4	28	CARDINAL
cblr-9988	86	5	11	CARDINAL
cblr-9988	86	6	lynnise e. pantin	PERSON
cblr-9988	86	7	62	CARDINAL
cblr-9988	86	8	st.	GPE
cblr-9988	86	9	louis univ	PERSON
cblr-9988	87	1	l.j. 419	ORG
cblr-9988	87	2	440	CARDINAL
cblr-9988	87	3	2018	DATE
cblr-9988	88	1	1:621	CARDINAL
cblr-9988	88	2	627	CARDINAL
cblr-9988	90	1	thirty-nine percent	PERCENT
cblr-9988	90	2	lender.13 bank	ORG
cblr-9988	90	3	2008	DATE
cblr-9988	91	1	2008	DATE
cblr-9988	91	2	four	CARDINAL
cblr-9988	91	3	u.s.	GPE
cblr-9988	91	4	fifty percent	PERCENT
cblr-9988	91	5	2015.14	CARDINAL
cblr-9988	91	6	2017	CARDINAL
cblr-9988	91	7	2018,15	CARDINAL
cblr-9988	92	1	12	CARDINAL
cblr-9988	93	1	corp.	ORG
cblr-9988	93	2	supra	PERSON
cblr-9988	93	3	5	CARDINAL
cblr-9988	93	4	41	CARDINAL
cblr-9988	94	1	three	CARDINAL
cblr-9988	96	1	rsrv	PERSON
cblr-9988	97	1	6	CARDINAL
cblr-9988	97	2	16	CARDINAL
cblr-9988	98	1	fifteen percent	PERCENT
cblr-9988	98	2	thirteen percent	PERCENT
cblr-9988	99	1	d. 14	FAC
cblr-9988	99	2	4	CARDINAL
cblr-9988	99	3	8	CARDINAL
cblr-9988	99	4	15	CARDINAL
cblr-9988	99	5	charles morris & kristen	ORG
cblr-9988	99	6	fed	ORG
cblr-9988	99	7	rsrv.	ORG
cblr-9988	100	1	kan	ORG
cblr-9988	101	1	city	GPE
cblr-9988	101	2	june 19, 2018	DATE
cblr-9988	101	3	https://www.kansascityfed.org/surveys/smallbusiness-lending-survey/2018q1-small-business-lending-survey/	PERSON
cblr-9988	103	1	16	CARDINAL
cblr-9988	104	1	covid-19	PERSON
cblr-9988	105	1	eight-week	DATE
cblr-9988	106	1	u.s.	GPE
cblr-9988	106	2	treasury	ORG
cblr-9988	107	1	feb. 28	DATE
cblr-9988	107	2	2022	CARDINAL
cblr-9988	108	1	628	CARDINAL
cblr-9988	109	1	2022	CARDINAL
cblr-9988	109	2	approximately thirtyeight percent	PERCENT
cblr-9988	109	3	2020	DATE
cblr-9988	109	4	2021.18	CARDINAL
cblr-9988	109	5	the years	DATE
cblr-9988	109	6	2008	DATE
cblr-9988	109	7	2018.19	CARDINAL
cblr-9988	109	8	2020	DATE
cblr-9988	109	9	2021.20	CARDINAL
cblr-9988	110	1	17	CARDINAL
cblr-9988	110	2	thomas hobson	PERSON
cblr-9988	110	3	c&i	ORG
cblr-9988	110	4	fed	ORG
cblr-9988	110	5	rsrv.	ORG
cblr-9988	111	1	kan	ORG
cblr-9988	112	1	city	GPE
cblr-9988	112	2	sept. 29, 2020	DATE
cblr-9988	114	1	18	CARDINAL
cblr-9988	114	2	dustyn despain & thomas hobson	ORG
cblr-9988	114	3	the fourth quarter	DATE
cblr-9988	114	4	fed	ORG
cblr-9988	114	5	rsrv.	ORG
cblr-9988	115	1	kan	ORG
cblr-9988	116	1	mar. 29	DATE
cblr-9988	116	2	2022	CARDINAL
cblr-9988	116	3	https://www.kansascityfed.org/surveys/small-business-lendingsurvey/small-business-lending-normalizes-in-the-fourth-quarter/	ORG
cblr-9988	117	1	19	CARDINAL
cblr-9988	118	1	2016	CARDINAL
cblr-9988	118	2	10	CARDINAL
cblr-9988	118	3	2016	CARDINAL
cblr-9988	118	4	over 60%	PERCENT
cblr-9988	118	5	2009	DATE
cblr-9988	118	6	2010	DATE
cblr-9988	118	7	around 80%	PERCENT
cblr-9988	118	8	2012	DATE
cblr-9988	119	1	occ	ORG
cblr-9988	119	2	93%	PERCENT
cblr-9988	119	3	92%	PERCENT
cblr-9988	119	4	90%	PERCENT
cblr-9988	120	1	1	CARDINAL
cblr-9988	120	2	morris & regehr	ORG
cblr-9988	120	3	15	CARDINAL
cblr-9988	120	4	2017 to 2018	DATE
cblr-9988	121	1	20 hobson	QUANTITY
cblr-9988	121	2	17	CARDINAL
cblr-9988	121	3	2020	DATE
cblr-9988	121	4	despain & hobson	ORG
cblr-9988	121	5	18	CARDINAL
cblr-9988	121	6	2021	CARDINAL
cblr-9988	122	1	21	CARDINAL
cblr-9988	122	2	25–28	CARDINAL
cblr-9988	124	1	1:621	CARDINAL
cblr-9988	124	2	629	CARDINAL
cblr-9988	126	1	1	CARDINAL
cblr-9988	127	1	segregation,26	CARDINAL
cblr-9988	128	1	22	CARDINAL
cblr-9988	129	1	23	CARDINAL
cblr-9988	129	2	24	CARDINAL
cblr-9988	130	1	25	CARDINAL
cblr-9988	130	2	4	CARDINAL
cblr-9988	130	3	9	CARDINAL
cblr-9988	130	4	26	CARDINAL
cblr-9988	130	5	107–08	CARDINAL
cblr-9988	130	6	2017	CARDINAL
cblr-9988	131	1	27	CARDINAL
cblr-9988	132	1	the united states	GPE
cblr-9988	132	2	$15,000 to $25,000	MONEY
cblr-9988	132	3	$115,000 to $200,000	MONEY
cblr-9988	133	1	2020	DATE
cblr-9988	133	2	630	CARDINAL
cblr-9988	133	3	2022	CARDINAL
cblr-9988	133	4	credit.28	ORG
cblr-9988	134	1	forty-four percent	PERCENT
cblr-9988	134	2	forty-three percent	PERCENT
cblr-9988	134	3	hispanic	NORP
cblr-9988	134	4	seventeen percent	PERCENT
cblr-9988	134	5	from 2008 to 2013	DATE
cblr-9988	134	6	2000	CARDINAL
cblr-9988	134	7	ninety-three percent	PERCENT
cblr-9988	134	8	financing.33 2.	ORG
cblr-9988	135	1	28	CARDINAL
cblr-9988	136	1	49	DATE
cblr-9988	137	1	29	CARDINAL
cblr-9988	138	1	55	CARDINAL
cblr-9988	138	2	30	CARDINAL
cblr-9988	138	3	frank bass & dakin campbell	ORG
cblr-9988	138	4	bloomberg	ORG
cblr-9988	138	5	2, 2013	DATE
cblr-9988	138	6	12:00 pm	TIME
cblr-9988	138	7	columbia business law review	ORG
cblr-9988	139	1	31	CARDINAL
cblr-9988	139	2	2	CARDINAL
cblr-9988	139	3	152	CARDINAL
cblr-9988	139	4	32	CARDINAL
cblr-9988	140	1	rsch	GPE
cblr-9988	141	1	serv.	GPE
cblr-9988	141	2	u.s.	GPE
cblr-9988	141	3	22 percent	PERCENT
cblr-9988	141	4	2018	DATE
cblr-9988	141	5	43 percent	PERCENT
cblr-9988	142	1	rsch	GPE
cblr-9988	143	1	serv.	GPE
cblr-9988	143	2	u.s.	GPE
cblr-9988	143	3	oct. 13, 2020	DATE
cblr-9988	145	1	33	CARDINAL
cblr-9988	145	2	27	CARDINAL
cblr-9988	145	3	55 fig.94	QUANTITY
cblr-9988	147	1	1:621	CARDINAL
cblr-9988	147	2	631	CARDINAL
cblr-9988	148	1	covid-19	PRODUCT
cblr-9988	148	2	loans,36	ORG
cblr-9988	148	3	34	CARDINAL
cblr-9988	148	4	new york	GPE
cblr-9988	148	5	40%	PERCENT
cblr-9988	148	6	30	CARDINAL
cblr-9988	148	7	1%	PERCENT
cblr-9988	148	8	the united states	GPE
cblr-9988	149	1	two-thirds	CARDINAL
cblr-9988	149	2	covid-19	ORG
cblr-9988	150	1	martin crutsinger	PERSON
cblr-9988	150	2	new york	GPE
cblr-9988	150	3	aug. 4, 2020	DATE
cblr-9988	152	1	april 2020	DATE
cblr-9988	152	2	covid-19	PRODUCT
cblr-9988	152	3	41%	PERCENT
cblr-9988	152	4	32%	PERCENT
cblr-9988	152	5	asian	NORP
cblr-9988	152	6	26%	PERCENT
cblr-9988	153	1	17%	PERCENT
cblr-9988	154	1	claire kramer mills & jessica battisto	PERSON
cblr-9988	154	2	fed	ORG
cblr-9988	154	3	rsrv.	ORG
cblr-9988	155	1	bank of	ORG
cblr-9988	155	2	n.y.	GPE
cblr-9988	155	3	covid-19	PERSON
cblr-9988	155	4	1 (2020	DATE
cblr-9988	155	5	ron jarmin	PERSON
cblr-9988	155	6	c.j. krizan & adela luque	ORG
cblr-9988	155	7	13	CARDINAL
cblr-9988	155	8	ctr	GPE
cblr-9988	157	1	14-36, 2014	DATE
cblr-9988	158	1	35	CARDINAL
cblr-9988	158	2	ruth simon	PERSON
cblr-9988	158	3	peter rudegeair	PERSON
cblr-9988	158	4	$350 billion	MONEY
cblr-9988	158	5	wall st. j. (apr. 6, 2020	PERSON
cblr-9988	158	6	8:00 am	TIME
cblr-9988	158	7	the columbia business law review	ORG
cblr-9988	159	1	36	CARDINAL
cblr-9988	159	2	2016	CARDINAL
cblr-9988	159	3	the stanford institute for economic policy	ORG
cblr-9988	159	4	one percent	PERCENT
cblr-9988	159	5	their first year	DATE
cblr-9988	159	6	seven percent	PERCENT
cblr-9988	160	1	their first year	DATE
cblr-9988	161	1	emily flitter	PERSON
cblr-9988	161	2	n.y.	GPE
cblr-9988	161	3	june 4, 2020	DATE
cblr-9988	163	1	632	CARDINAL
cblr-9988	163	2	2022	CARDINAL
cblr-9988	163	3	cdfis	PERSON
cblr-9988	164	1	only seventy-eight	CARDINAL
cblr-9988	164	2	early april 2020	DATE
cblr-9988	164	3	sba loans.39	FAC
cblr-9988	164	4	first	ORDINAL
cblr-9988	164	5	seventy-five percent	PERCENT
cblr-9988	164	6	only sixty-eight percent	CARDINAL
cblr-9988	164	7	one	CARDINAL
cblr-9988	164	8	seventeen	CARDINAL
cblr-9988	164	9	seventy percent	PERCENT
cblr-9988	164	10	forty percent	PERCENT
cblr-9988	164	11	37	CARDINAL
cblr-9988	164	12	alvaro sanchez et al.	PERSON
cblr-9988	164	13	fed	ORG
cblr-9988	164	14	rsrv.	ORG
cblr-9988	165	1	bank of phila	ORG
cblr-9988	166	1	covid-19	PERSON
cblr-9988	166	2	new jersey 9	GPE
cblr-9988	166	3	2021	CARDINAL
cblr-9988	168	1	38	CARDINAL
cblr-9988	169	1	39	CARDINAL
cblr-9988	169	2	supra	PERSON
cblr-9988	169	3	36	CARDINAL
cblr-9988	169	4	emily flitter	PERSON
cblr-9988	170	1	n.y.	GPE
cblr-9988	170	2	jul. 15, 2020	DATE
cblr-9988	172	1	41	CARDINAL
cblr-9988	174	1	stacy cowley	PERSON
cblr-9988	174	2	n.y.	GPE
cblr-9988	174	3	apr. 4	DATE
cblr-9988	174	4	2021	DATE
cblr-9988	176	1	1:621	CARDINAL
cblr-9988	176	2	633	CARDINAL
cblr-9988	176	3	march 2021	DATE
cblr-9988	176	4	revision.46	GPE
cblr-9988	176	5	jpmorgan	PERSON
cblr-9988	176	6	congress	ORG
cblr-9988	176	7	applications.49 one	ORG
cblr-9988	176	8	new jersey	GPE
cblr-9988	176	9	businesses.50	ORG
cblr-9988	176	10	seventy-six percent	PERCENT
cblr-9988	176	11	only forty-four percent	CARDINAL
cblr-9988	176	12	44	CARDINAL
cblr-9988	176	13	86	CARDINAL
cblr-9988	178	1	13,149	CARDINAL
cblr-9988	178	2	13,150	CARDINAL
cblr-9988	178	3	mar. 8	DATE
cblr-9988	178	4	2021	DATE
cblr-9988	178	5	13	CARDINAL
cblr-9988	179	1	120	CARDINAL
cblr-9988	180	1	45	CARDINAL
cblr-9988	180	2	stacy cowley	PERSON
cblr-9988	180	3	43	CARDINAL
cblr-9988	180	4	46	CARDINAL
cblr-9988	181	1	the small business association	ORG
cblr-9988	182	1	86	CARDINAL
cblr-9988	184	1	13,150	CARDINAL
cblr-9988	185	1	47	CARDINAL
cblr-9988	185	2	stacy cowley & jim tankersley	ORG
cblr-9988	185	3	biden highlights	PERSON
cblr-9988	185	4	n.y. times	ORG
cblr-9988	185	5	may 10	DATE
cblr-9988	185	6	2021	DATE
cblr-9988	186	1	https://perma.cc/a26e-j3m2	NORP
cblr-9988	187	1	48	CARDINAL
cblr-9988	187	2	carmen reinicke	PERSON
cblr-9988	187	3	2 more months	DATE
cblr-9988	188	1	cnbc	ORG
cblr-9988	188	2	mar. 26	DATE
cblr-9988	188	3	2021	CARDINAL
cblr-9988	188	4	1:53 pm	TIME
cblr-9988	189	1	49	CARDINAL
cblr-9988	189	2	stacy cowley	PERSON
cblr-9988	189	3	last-minute	TIME
cblr-9988	190	1	n.y.	GPE
cblr-9988	190	2	mar. 16	DATE
cblr-9988	190	3	2021	DATE
cblr-9988	192	1	50	CARDINAL
cblr-9988	192	2	sanchez et al.	PERSON
cblr-9988	192	3	fed	ORG
cblr-9988	192	4	rsrv.	ORG
cblr-9988	193	1	bank of phila	ORG
cblr-9988	194	1	supra	PERSON
cblr-9988	194	2	37	CARDINAL
cblr-9988	194	3	9	CARDINAL
cblr-9988	195	1	634	CARDINAL
cblr-9988	195	2	columbia business law review	ORG
cblr-9988	195	3	2022	CARDINAL
cblr-9988	195	4	fifty-six percent	PERCENT
cblr-9988	195	5	asian	NORP
cblr-9988	195	6	twenty percent	PERCENT
cblr-9988	195	7	three percent	PERCENT
cblr-9988	197	1	chicago	GPE
cblr-9988	197	2	2008	DATE
cblr-9988	197	3	chicago	GPE
cblr-9988	197	4	2008	DATE
cblr-9988	197	5	insolvency.56	NORP
cblr-9988	198	1	3	CARDINAL
cblr-9988	198	2	congress	ORG
cblr-9988	198	3	51	CARDINAL
cblr-9988	199	1	53	CARDINAL
cblr-9988	199	2	2	CARDINAL
cblr-9988	199	3	162	CARDINAL
cblr-9988	199	4	165	CARDINAL
cblr-9988	199	5	54	CARDINAL
cblr-9988	200	1	164	CARDINAL
cblr-9988	201	1	55	CARDINAL
cblr-9988	202	1	165	CARDINAL
cblr-9988	203	1	56	CARDINAL
cblr-9988	204	1	164	CARDINAL
cblr-9988	205	1	57	CARDINAL
cblr-9988	207	1	1:621	CARDINAL
cblr-9988	207	2	635	CARDINAL
cblr-9988	207	3	1994.58	CARDINAL
cblr-9988	209	1	58	CARDINAL
cblr-9988	209	2	1994	DATE
cblr-9988	211	1	103	CARDINAL
cblr-9988	211	2	108	CARDINAL
cblr-9988	212	1	2160	CARDINAL
cblr-9988	212	2	1994	DATE
cblr-9988	213	1	59 12	CARDINAL
cblr-9988	214	1	2018	DATE
cblr-9988	214	2	the cdfi fund	ORG
cblr-9988	215	1	60	CARDINAL
cblr-9988	217	1	61	CARDINAL
cblr-9988	220	1	4702(9	DATE
cblr-9988	223	1	eighty percent	PERCENT
cblr-9988	223	2	eighty percent	PERCENT
cblr-9988	227	1	62	CARDINAL
cblr-9988	229	1	63	CARDINAL
cblr-9988	231	1	64	CARDINAL
cblr-9988	233	1	65	CARDINAL
cblr-9988	234	1	d. § 4707(f)(2)(c	ORG
cblr-9988	235	1	636	CARDINAL
cblr-9988	235	2	2022	CARDINAL
cblr-9988	235	3	today	DATE
cblr-9988	235	4	over 1,000	CARDINAL
cblr-9988	236	1	peers70	GPE
cblr-9988	236	2	66	CARDINAL
cblr-9988	236	3	the columbia business law review	ORG
cblr-9988	236	4	cdfis	PERSON
cblr-9988	236	5	cdfis	PERSON
cblr-9988	236	6	1,395	CARDINAL
cblr-9988	236	7	cdfis	PERSON
cblr-9988	236	8	march 14	DATE
cblr-9988	236	9	2022	CARDINAL
cblr-9988	237	1	67	CARDINAL
cblr-9988	237	2	only one percent	PERCENT
cblr-9988	237	3	the last five years	DATE
cblr-9988	238	1	fed	ORG
cblr-9988	239	1	rsrv	PERSON
cblr-9988	240	1	6	CARDINAL
cblr-9988	240	2	8	CARDINAL
cblr-9988	240	3	68	CARDINAL
cblr-9988	247	1	34	CARDINAL
cblr-9988	247	2	2019	DATE
cblr-9988	247	3	benson doyle mitchell	ORG
cblr-9988	247	4	jr.	PERSON
cblr-9988	247	5	indust. bank	ORG
cblr-9988	247	6	two	CARDINAL
cblr-9988	247	7	one	CARDINAL
cblr-9988	247	8	125%	PERCENT
cblr-9988	247	9	75%	PERCENT
cblr-9988	248	1	69	CARDINAL
cblr-9988	248	2	noelle st. clair	PERSON
cblr-9988	248	3	cdfis	PERSON
cblr-9988	248	4	fed	ORG
cblr-9988	248	5	rsrv.	ORG
cblr-9988	249	1	bank of phila	ORG
cblr-9988	249	2	https://www.philadelphiafed.org/community-development/credit-andcapital/capital-for-communities-cdfis-innovate-on-small-consumer-loans	NORP
cblr-9988	250	1	miriam cross	PERSON
cblr-9988	250	2	fintech	ORG
cblr-9988	250	3	cdfi	ORG
cblr-9988	251	1	dec. 15, 2021	DATE
cblr-9988	251	2	5:04 pm	TIME
cblr-9988	252	1	70	CARDINAL
cblr-9988	252	2	26	CARDINAL
cblr-9988	252	3	231	CARDINAL
cblr-9988	253	1	71	CARDINAL
cblr-9988	253	2	chris motola	PERSON
cblr-9988	253	3	nov. 18, 2019	DATE
cblr-9988	254	1	1:621	CARDINAL
cblr-9988	254	2	637	CARDINAL
cblr-9988	255	1	1977	DATE
cblr-9988	255	2	congress	ORG
cblr-9988	256	1	”73	CARDINAL
cblr-9988	257	1	the cra requires banks	ORG
cblr-9988	257	2	annual	DATE
cblr-9988	257	3	however.76	ORG
cblr-9988	257	4	cra	ORG
cblr-9988	257	5	77	CARDINAL
cblr-9988	259	1	72	DATE
cblr-9988	259	2	106 va	GPE
cblr-9988	260	1	l. rev	PERSON
cblr-9988	260	2	937	CARDINAL
cblr-9988	260	3	978	CARDINAL
cblr-9988	260	4	2020	DATE
cblr-9988	261	1	73	CARDINAL
cblr-9988	261	2	1977	DATE
cblr-9988	261	3	12	CARDINAL
cblr-9988	262	1	2901	CARDINAL
cblr-9988	262	2	2018	DATE
cblr-9988	263	1	74	CARDINAL
cblr-9988	263	2	26	CARDINAL
cblr-9988	263	3	233	CARDINAL
cblr-9988	264	1	75	CARDINAL
cblr-9988	272	1	8 (2019	CARDINAL
cblr-9988	273	1	jesse van tol	PERSON
cblr-9988	274	1	nat’t	CARDINAL
cblr-9988	277	1	27	CARDINAL
cblr-9988	277	2	l.	GPE
cblr-9988	277	3	univ	NORP
cblr-9988	277	4	ga	ORG
cblr-9988	277	5	sch	PERSON
cblr-9988	277	6	[o]ne of the things that happened before the crisis is we had a bunch	WORK_OF_ART
cblr-9988	282	1	15	DATE
cblr-9988	282	2	aaron glantz	PERSON
cblr-9988	282	3	ctr	GPE
cblr-9988	283	1	638	CARDINAL
cblr-9988	283	2	2022	CARDINAL
cblr-9988	283	3	white households.81	ORG
cblr-9988	285	1	cra	ORG
cblr-9988	286	1	79	CARDINAL
cblr-9988	287	1	91-508	CARDINAL
cblr-9988	287	2	84	CARDINAL
cblr-9988	288	1	1227	CARDINAL
cblr-9988	288	2	1970	DATE
cblr-9988	288	3	12	CARDINAL
cblr-9988	289	1	15	CARDINAL
cblr-9988	290	1	80	CARDINAL
cblr-9988	291	1	l. 93-380	PERSON
cblr-9988	291	2	88	CARDINAL
cblr-9988	292	1	516	CARDINAL
cblr-9988	292	2	1974	DATE
cblr-9988	292	3	20	CARDINAL
cblr-9988	293	1	1701	CARDINAL
cblr-9988	293	2	1758	CARDINAL
cblr-9988	294	1	81	CARDINAL
cblr-9988	294	2	26	CARDINAL
cblr-9988	294	3	150	CARDINAL
cblr-9988	295	1	82	CARDINAL
cblr-9988	296	1	q. cuttino	PERSON
cblr-9988	296	2	115 nw	QUANTITY
cblr-9988	296	3	l. rev	PERSON
cblr-9988	296	4	1505,	DATE
cblr-9988	296	5	2021	CARDINAL
cblr-9988	296	6	payday	DATE
cblr-9988	296	7	2	CARDINAL
cblr-9988	296	8	129	CARDINAL
cblr-9988	296	9	payday	DATE
cblr-9988	297	1	84	CARDINAL
cblr-9988	297	2	supra	PERSON
cblr-9988	297	3	83	CARDINAL
cblr-9988	297	4	1553	DATE
cblr-9988	297	5	payday	DATE
cblr-9988	297	6	payday	DATE
cblr-9988	299	1	1:621	CARDINAL
cblr-9988	299	2	639	CARDINAL
cblr-9988	299	3	recession.85	ORG
cblr-9988	299	4	businesses.86	ORG
cblr-9988	299	5	payday	DATE
cblr-9988	299	6	crisis.89	GPE
cblr-9988	301	1	borrowers.93	WORK_OF_ART
cblr-9988	301	2	85	CARDINAL
cblr-9988	302	1	86	CARDINAL
cblr-9988	302	2	87	DATE
cblr-9988	303	1	88	CARDINAL
cblr-9988	303	2	covid-19	PERSON
cblr-9988	304	1	90	CARDINAL
cblr-9988	304	2	4	CARDINAL
cblr-9988	304	3	9	CARDINAL
cblr-9988	304	4	91	CARDINAL
cblr-9988	304	5	92	CARDINAL
cblr-9988	304	6	supra	PERSON
cblr-9988	304	7	6	CARDINAL
cblr-9988	304	8	42	CARDINAL
cblr-9988	305	1	93	CARDINAL
cblr-9988	306	1	3	CARDINAL
cblr-9988	307	1	53–54	CARDINAL
cblr-9988	307	2	640	CARDINAL
cblr-9988	308	1	2022	CARDINAL
cblr-9988	309	1	two	CARDINAL
cblr-9988	309	2	1	CARDINAL
cblr-9988	309	3	2	CARDINAL
cblr-9988	309	4	creditworthy.96 a. business models	PERSON
cblr-9988	311	1	facilities.99	PRODUCT
cblr-9988	311	2	95	CARDINAL
cblr-9988	312	1	54–55	DATE
cblr-9988	313	1	96	CARDINAL
cblr-9988	315	1	97	CARDINAL
cblr-9988	315	2	supra	PERSON
cblr-9988	315	3	6	CARDINAL
cblr-9988	315	4	54–55	CARDINAL
cblr-9988	316	1	98	CARDINAL
cblr-9988	316	2	lendingclub corp.	ORG
cblr-9988	316	3	41	CARDINAL
cblr-9988	316	4	49	DATE
cblr-9988	316	5	aug. 9, 2019	DATE
cblr-9988	317	1	99	CARDINAL
cblr-9988	317	2	capital, inc.	ORG
cblr-9988	317	3	annual	DATE
cblr-9988	317	4	mar. 2, 2018	DATE
cblr-9988	318	1	100	CARDINAL
cblr-9988	318	2	securitization llc	FAC
cblr-9988	318	3	2019-1	DATE
cblr-9988	319	1	nov. 12, 2019	DATE
cblr-9988	319	2	2:49 pm	TIME
cblr-9988	320	1	the columbia business law review	ORG
cblr-9988	320	2	25	CARDINAL
cblr-9988	320	3	2022	CARDINAL
cblr-9988	322	1	1:621	CARDINAL
cblr-9988	322	2	641	CARDINAL
cblr-9988	324	1	kabbage	ORG
cblr-9988	324	2	covid-19	PRODUCT
cblr-9988	325	1	lendingclub	ORG
cblr-9988	325	2	business;105	CARDINAL
cblr-9988	325	3	american	NORP
cblr-9988	325	4	kabbage	ORG
cblr-9988	325	5	101	CARDINAL
cblr-9988	325	6	moran ofir & ido sadeh	PRODUCT
cblr-9988	325	7	16	CARDINAL
cblr-9988	326	1	j.l. &	ORG
cblr-9988	327	1	683	CARDINAL
cblr-9988	327	2	695	CARDINAL
cblr-9988	327	3	2020	DATE
cblr-9988	327	4	lendingclub corp.	ORG
cblr-9988	327	5	41	CARDINAL
cblr-9988	327	6	56	DATE
cblr-9988	327	7	aug. 9, 2019	DATE
cblr-9988	328	1	lendingclub	ORG
cblr-9988	329	1	d.	NORP
cblr-9988	330	1	102	CARDINAL
cblr-9988	330	2	lendingclub corp.	ORG
cblr-9988	330	3	61	CARDINAL
cblr-9988	330	4	aug. 9, 2019	DATE
cblr-9988	332	1	103	CARDINAL
cblr-9988	332	2	ofir & sadeh	ORG
cblr-9988	332	3	101	CARDINAL
cblr-9988	332	4	695	CARDINAL
cblr-9988	334	1	698	CARDINAL
cblr-9988	335	1	104 penny	MONEY
cblr-9988	335	2	crosman	ORG
cblr-9988	335	3	amex	ORG
cblr-9988	336	1	aug. 18, 2020	DATE
cblr-9988	336	2	3:35 pm	TIME
cblr-9988	338	1	105	CARDINAL
cblr-9988	339	1	kevin	PERSON
cblr-9988	339	2	oct. 8, 2020	DATE
cblr-9988	339	3	4:43 pm	TIME
cblr-9988	341	1	642	CARDINAL
cblr-9988	341	2	columbia business law review	ORG
cblr-9988	342	1	2022	CARDINAL
cblr-9988	343	1	enova	ORG
cblr-9988	343	2	1	CARDINAL
cblr-9988	345	1	at least one	CARDINAL
cblr-9988	345	2	ebay	ORG
cblr-9988	345	3	xero	PERSON
cblr-9988	345	4	creditworthiness.110 platforms	ORG
cblr-9988	345	5	106	CARDINAL
cblr-9988	345	6	104	CARDINAL
cblr-9988	346	1	107	CARDINAL
cblr-9988	346	2	kevin	PERSON
cblr-9988	346	3	july 29, 2020	DATE
cblr-9988	346	4	1:42 pm	TIME
cblr-9988	346	5	108	CARDINAL
cblr-9988	346	6	supra	PERSON
cblr-9988	346	7	6	CARDINAL
cblr-9988	346	8	46	DATE
cblr-9988	346	9	jagtiani & catherine lemieux	ORG
cblr-9988	346	10	fintech	ORG
cblr-9988	346	11	30	CARDINAL
cblr-9988	346	12	fed	ORG
cblr-9988	346	13	rsrv.	ORG
cblr-9988	347	1	bank of phila	ORG
cblr-9988	348	1	17	CARDINAL
cblr-9988	348	2	2017	DATE
cblr-9988	350	1	109	CARDINAL
cblr-9988	350	2	geri stengel	PERSON
cblr-9988	350	3	forbes	PERSON
cblr-9988	350	4	oct. 30, 2019	DATE
cblr-9988	350	5	7:00 am	TIME
cblr-9988	350	6	https://www.forbes.com/sites/geristengel/2019/10/30/kabbage-the-care-andfeeding-of-a-fintech-unicorn [https://perma.cc/r253-7mv2	ORG
cblr-9988	351	1	110	CARDINAL
cblr-9988	351	2	stephanie armour	PERSON
cblr-9988	351	3	wall st	PERSON
cblr-9988	351	4	j.	GPE
cblr-9988	352	1	jan. 8, 2014	DATE
cblr-9988	352	2	5:51 pm	TIME
cblr-9988	352	3	the columbia business law review	ORG
cblr-9988	353	1	111	CARDINAL
cblr-9988	353	2	supra	PERSON
cblr-9988	353	3	108	CARDINAL
cblr-9988	353	4	8	CARDINAL
cblr-9988	353	5	112	CARDINAL
cblr-9988	353	6	110	CARDINAL
cblr-9988	355	1	1:621	CARDINAL
cblr-9988	355	2	643	CARDINAL
cblr-9988	356	1	over eighty percent	PERCENT
cblr-9988	356	2	2007	DATE
cblr-9988	356	3	approximately thirty-five percent	CARDINAL
cblr-9988	356	4	2016,115	CARDINAL
cblr-9988	357	1	twenty-five percent	PERCENT
cblr-9988	357	2	second	ORDINAL
cblr-9988	357	3	seven	CARDINAL
cblr-9988	361	1	113	CARDINAL
cblr-9988	361	2	lendingclub corp.	ORG
cblr-9988	361	3	annual	DATE
cblr-9988	361	4	9	CARDINAL
cblr-9988	361	5	feb. 19, 2020	DATE
cblr-9988	362	1	114	CARDINAL
cblr-9988	363	1	paypal	ORG
cblr-9988	363	2	amazon	ORG
cblr-9988	363	3	jagtiani	PERSON
cblr-9988	363	4	supra	PERSON
cblr-9988	363	5	108	CARDINAL
cblr-9988	363	6	24	CARDINAL
cblr-9988	363	7	115	CARDINAL
cblr-9988	363	8	supra	PERSON
cblr-9988	363	9	108	CARDINAL
cblr-9988	363	10	25	CARDINAL
cblr-9988	363	11	116	CARDINAL
cblr-9988	364	1	26	CARDINAL
cblr-9988	365	1	117	CARDINAL
cblr-9988	366	1	30–31	CARDINAL
cblr-9988	367	1	118	CARDINAL
cblr-9988	368	1	12	CARDINAL
cblr-9988	369	1	644	CARDINAL
cblr-9988	369	2	columbia business law review	ORG
cblr-9988	369	3	2022	CARDINAL
cblr-9988	369	4	2	CARDINAL
cblr-9988	370	1	utah	GPE
cblr-9988	370	2	119	CARDINAL
cblr-9988	370	3	edith ramirez et al.	PERSON
cblr-9988	370	4	fed	ORG
cblr-9988	372	1	29 (	PERCENT
cblr-9988	372	2	2016	DATE
cblr-9988	373	1	taylor moore	PERSON
cblr-9988	373	2	sept. 8	DATE
cblr-9988	373	3	2021	DATE
cblr-9988	375	1	120	CARDINAL
cblr-9988	376	1	jagtiani	PERSON
cblr-9988	376	2	supra	PERSON
cblr-9988	376	3	108	CARDINAL
cblr-9988	376	4	8	CARDINAL
cblr-9988	376	5	121	CARDINAL
cblr-9988	376	6	supra	PERSON
cblr-9988	376	7	6	CARDINAL
cblr-9988	376	8	46	DATE
cblr-9988	376	9	122	CARDINAL
cblr-9988	376	10	lendingclub corp.	ORG
cblr-9988	376	11	12	CARDINAL
cblr-9988	376	12	aug. 9, 2019	DATE
cblr-9988	377	1	6.46%	PERCENT
cblr-9988	377	2	28.80%	PERCENT
cblr-9988	377	3	7	CARDINAL
cblr-9988	377	4	12	CARDINAL
cblr-9988	378	1	123	CARDINAL
cblr-9988	379	1	1:621	CARDINAL
cblr-9988	379	2	645	CARDINAL
cblr-9988	386	1	124	CARDINAL
cblr-9988	386	2	85	CARDINAL
cblr-9988	386	3	fed	ORG
cblr-9988	388	1	33,530	CARDINAL
cblr-9988	388	2	33,530	CARDINAL
cblr-9988	388	3	jun. 2, 2020	DATE
cblr-9988	388	4	12	CARDINAL
cblr-9988	388	5	7	CARDINAL
cblr-9988	388	6	160	CARDINAL
cblr-9988	388	7	12	CARDINAL
cblr-9988	389	1	7.4001	MONEY
cblr-9988	389	2	160.110	CARDINAL
cblr-9988	389	3	2021	CARDINAL
cblr-9988	390	1	125	CARDINAL
cblr-9988	390	2	ofir & sadeh	ORG
cblr-9988	390	3	101	CARDINAL
cblr-9988	390	4	739	CARDINAL
cblr-9988	390	5	126	CARDINAL
cblr-9988	391	1	738	CARDINAL
cblr-9988	392	1	127	CARDINAL
cblr-9988	393	1	kevin davis	PERSON
cblr-9988	393	2	jacob murphy	PERSON
cblr-9988	393	3	j. applied fin.	PERSON
cblr-9988	393	4	oct. 31	DATE
cblr-9988	393	5	2016	DATE
cblr-9988	393	6	39	CARDINAL
cblr-9988	394	1	646	CARDINAL
cblr-9988	394	2	2022 1	DATE
cblr-9988	395	1	april 2020	DATE
cblr-9988	395	2	sba	ORG
cblr-9988	395	3	first	ORDINAL
cblr-9988	395	4	administer sba	ORG
cblr-9988	396	1	2	CARDINAL
cblr-9988	397	1	128	CARDINAL
cblr-9988	397	2	october 2014 to	DATE
cblr-9988	397	3	march 2015	DATE
cblr-9988	397	4	twenty-five percent	PERCENT
cblr-9988	397	5	the three percent	PERCENT
cblr-9988	397	6	ten	CARDINAL
cblr-9988	398	1	mills & mccarthy	ORG
cblr-9988	398	2	supra	PERSON
cblr-9988	398	3	6	CARDINAL
cblr-9988	398	4	47–48	CARDINAL
cblr-9988	398	5	usman ahmed et al.	PERSON
cblr-9988	398	6	july 1, 2015	DATE
cblr-9988	399	1	129	CARDINAL
cblr-9988	399	2	supra	PERSON
cblr-9988	399	3	36	CARDINAL
cblr-9988	399	4	130	CARDINAL
cblr-9988	399	5	olivia rockeman	PERSON
cblr-9988	399	6	bloomberg l.	PERSON
cblr-9988	399	7	4, 2020	DATE
cblr-9988	399	8	9:16 am	TIME
cblr-9988	401	1	131	CARDINAL
cblr-9988	401	2	supra	PERSON
cblr-9988	401	3	6	CARDINAL
cblr-9988	401	4	3	CARDINAL
cblr-9988	401	5	132	CARDINAL
cblr-9988	403	1	1:621	CARDINAL
cblr-9988	403	2	647	CARDINAL
cblr-9988	404	1	the basel committee	ORG
cblr-9988	406	1	133	CARDINAL
cblr-9988	407	1	84-511	CARDINAL
cblr-9988	407	2	70	CARDINAL
cblr-9988	408	1	133	CARDINAL
cblr-9988	408	2	1956	DATE
cblr-9988	408	3	12	CARDINAL
cblr-9988	409	1	1841–1849	CARDINAL
cblr-9988	410	1	134 12	CARDINAL
cblr-9988	411	1	2021	CARDINAL
cblr-9988	411	2	1	CARDINAL
cblr-9988	411	3	4.5 percent	PERCENT
cblr-9988	412	1	1	CARDINAL
cblr-9988	412	2	6 percent	PERCENT
cblr-9988	413	1	8 percent	PERCENT
cblr-9988	414	1	4 percent	PERCENT
cblr-9988	418	1	1	CARDINAL
cblr-9988	420	1	135	CARDINAL
cblr-9988	422	1	136	CARDINAL
cblr-9988	422	2	bis	ORG
cblr-9988	422	3	june 5, 2018	DATE
cblr-9988	423	1	https://perma.cc/m8ub-du4	PERSON
cblr-9988	424	1	the basel committee	ORG
cblr-9988	425	1	2016	CARDINAL
cblr-9988	425	2	the columbia business law review	ORG
cblr-9988	426	1	648	CARDINAL
cblr-9988	426	2	2022	CARDINAL
cblr-9988	426	3	covid-19	PRODUCT
cblr-9988	427	1	the end of june 2020	DATE
cblr-9988	427	2	39.5%	PERCENT
cblr-9988	427	3	at least 15 days	DATE
cblr-9988	427	4	10.3%	PERCENT
cblr-9988	427	5	three months earlier.138	DATE
cblr-9988	427	6	covid-19	PRODUCT
cblr-9988	427	7	3	CARDINAL
cblr-9988	429	1	94%	PERCENT
cblr-9988	429	2	one	CARDINAL
cblr-9988	430	1	138	CARDINAL
cblr-9988	430	2	capital, inc.	ORG
cblr-9988	430	3	quarterly	DATE
cblr-9988	430	4	10	CARDINAL
cblr-9988	430	5	27	CARDINAL
cblr-9988	430	6	aug. 7, 2020	DATE
cblr-9988	431	1	139	CARDINAL
cblr-9988	431	2	107	CARDINAL
cblr-9988	432	1	140	CARDINAL
cblr-9988	432	2	derek willis & lydia	ORG
cblr-9988	432	3	hundreds	CARDINAL
cblr-9988	432	4	may 19	DATE
cblr-9988	432	5	2021	DATE
cblr-9988	432	6	1:14 pm	TIME
cblr-9988	434	1	141	CARDINAL
cblr-9988	434	2	104	CARDINAL
cblr-9988	434	3	142	CARDINAL
cblr-9988	434	4	mae anderson	PERSON
cblr-9988	434	5	abc n.	ORG
cblr-9988	434	6	apr. 4	DATE
cblr-9988	434	7	2022	DATE
cblr-9988	434	8	11:04 am	TIME
cblr-9988	434	9	https://abcnews.go.com/business/wirestory/small-businesses-loan-findbanks-stingy-83863360	PERSON
cblr-9988	435	1	143	CARDINAL
cblr-9988	435	2	eric weaver	PERSON
cblr-9988	435	3	donaker brown & caitlin mcshane	ORG
cblr-9988	437	1	1:621	CARDINAL
cblr-9988	437	2	649	CARDINAL
cblr-9988	437	3	madden v. midland funding	ORG
cblr-9988	437	4	connecticut	GPE
cblr-9988	437	5	connecticut	GPE
cblr-9988	437	6	new york	GPE
cblr-9988	437	7	625	CARDINAL
cblr-9988	438	1	some 144	CARDINAL
cblr-9988	438	2	lendingclub corp.	ORG
cblr-9988	438	3	17	CARDINAL
cblr-9988	438	4	aug. 9, 2019	DATE
cblr-9988	439	1	145 786	CARDINAL
cblr-9988	439	2	246	CARDINAL
cblr-9988	439	3	2d	DATE
cblr-9988	440	1	madden	PERSON
cblr-9988	441	1	124	CARDINAL
cblr-9988	442	1	146	CARDINAL
cblr-9988	442	2	colleen honigsberg	PERSON
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cblr-9988	443	1	60	CARDINAL
cblr-9988	443	2	j.l. & econ	ORG
cblr-9988	444	1	673	CARDINAL
cblr-9988	444	2	675	CARDINAL
cblr-9988	444	3	2017	CARDINAL
cblr-9988	445	1	one	CARDINAL
cblr-9988	446	1	d.	NORP
cblr-9988	446	2	hundreds	CARDINAL
cblr-9988	446	3	connecticut	GPE
cblr-9988	446	4	new york	GPE
cblr-9988	446	5	fico	ORG
cblr-9988	446	6	640	CARDINAL
cblr-9988	446	7	the first half of 2015	DATE
cblr-9988	446	8	july 2015	DATE
cblr-9988	447	1	d.	NORP
cblr-9988	448	1	676	CARDINAL
cblr-9988	449	1	147	CARDINAL
cblr-9988	450	1	694	CARDINAL
cblr-9988	451	1	148	CARDINAL
cblr-9988	452	1	697	CARDINAL
cblr-9988	452	2	149	CARDINAL
cblr-9988	452	3	supra	PERSON
cblr-9988	452	4	108	CARDINAL
cblr-9988	452	5	27	CARDINAL
cblr-9988	453	1	650	CARDINAL
cblr-9988	453	2	columbia business law review	ORG
cblr-9988	454	1	2022	CARDINAL
cblr-9988	458	1	occ	ORG
cblr-9988	462	1	a.	PERSON
cblr-9988	463	1	150	CARDINAL
cblr-9988	465	1	1:621	CARDINAL
cblr-9988	465	2	651	CARDINAL
cblr-9988	465	3	baradaran	PERSON
cblr-9988	470	1	fintech	ORG
cblr-9988	471	1	151 baradaran	QUANTITY
cblr-9988	471	2	2	CARDINAL
cblr-9988	471	3	44–51	CARDINAL
cblr-9988	471	4	9	CARDINAL
cblr-9988	471	5	l.	GPE
cblr-9988	471	6	univ	NORP
cblr-9988	471	7	ga	ORG
cblr-9988	471	8	sch	PERSON
cblr-9988	472	1	152	CARDINAL
cblr-9988	473	1	2903(a)–(b	CARDINAL
cblr-9988	473	2	2018	DATE
cblr-9988	474	1	153	CARDINAL
cblr-9988	474	2	2010	DATE
cblr-9988	474	3	dodd-frank	PERSON
cblr-9988	475	1	l. 111-203	PERSON
cblr-9988	475	2	124	CARDINAL
cblr-9988	476	1	1376	CARDINAL
cblr-9988	476	2	2010	DATE
cblr-9988	477	1	kress & turk	ORG
cblr-9988	477	2	3	CARDINAL
cblr-9988	477	3	669	CARDINAL
cblr-9988	479	1	l. 115174	ORG
cblr-9988	479	2	132	CARDINAL
cblr-9988	480	1	1296	DATE
cblr-9988	480	2	2018	DATE
cblr-9988	481	1	685	CARDINAL
cblr-9988	481	2	690	CARDINAL
cblr-9988	481	3	692	CARDINAL
cblr-9988	481	4	652	CARDINAL
cblr-9988	482	1	2022	CARDINAL
cblr-9988	483	1	2016	DATE
cblr-9988	483	2	occ	ORG
cblr-9988	483	3	occ	ORG
cblr-9988	484	1	156	CARDINAL
cblr-9988	484	2	154	CARDINAL
cblr-9988	485	1	2016	CARDINAL
cblr-9988	487	1	155	CARDINAL
cblr-9988	488	1	2	CARDINAL
cblr-9988	488	2	156	CARDINAL
cblr-9988	489	1	8	DATE
cblr-9988	490	1	157	CARDINAL
cblr-9988	490	2	9	CARDINAL
cblr-9988	490	3	158	CARDINAL
cblr-9988	492	1	159	CARDINAL
cblr-9988	493	1	9–10	DATE
cblr-9988	494	1	160	CARDINAL
cblr-9988	495	1	10	CARDINAL
cblr-9988	496	1	161	CARDINAL
cblr-9988	498	1	1:621	CARDINAL
cblr-9988	498	2	653	CARDINAL
cblr-9988	498	3	november 2020	DATE
cblr-9988	498	4	first	ORDINAL
cblr-9988	500	1	162	CARDINAL
cblr-9988	502	1	wall st. j.	PERSON
cblr-9988	502	2	sept. 12, 2018	DATE
cblr-9988	502	3	11:00 am	TIME
cblr-9988	502	4	the columbia business law review	ORG
cblr-9988	503	1	nov. 23, 2020	DATE
cblr-9988	506	1	raul vasquez	PERSON
cblr-9988	508	1	25	CARDINAL
cblr-9988	508	2	2022	CARDINAL
cblr-9988	509	1	165	CARDINAL
cblr-9988	509	2	kevin	PERSON
cblr-9988	509	3	fintech	ORG
cblr-9988	510	1	dec. 2, 2020	DATE
cblr-9988	510	2	9:00 pm	TIME
cblr-9988	512	1	166	CARDINAL
cblr-9988	512	2	lendingclub corp.	ORG
cblr-9988	512	3	oct. 7, 2020	DATE
cblr-9988	513	1	167	CARDINAL
cblr-9988	514	1	154	CARDINAL
cblr-9988	514	2	4	CARDINAL
cblr-9988	514	3	654	CARDINAL
cblr-9988	514	4	columbia business law review	ORG
cblr-9988	515	1	2022	CARDINAL
cblr-9988	517	1	168	CARDINAL
cblr-9988	517	2	12	CARDINAL
cblr-9988	517	3	12	CARDINAL
cblr-9988	518	1	2902	CARDINAL
cblr-9988	518	2	2015	DATE
cblr-9988	520	1	12 u.s.c.	CARDINAL
cblr-9988	521	1	2902	CARDINAL
cblr-9988	521	2	2018	DATE
cblr-9988	522	1	169	CARDINAL
cblr-9988	523	1	12	CARDINAL
cblr-9988	524	1	2021	CARDINAL
cblr-9988	525	1	170	CARDINAL
cblr-9988	526	1	2903(c)(1	CARDINAL
cblr-9988	527	1	171	CARDINAL
cblr-9988	527	2	lydia beyoud	PERSON
cblr-9988	527	3	first	ORDINAL
cblr-9988	527	4	1	CARDINAL
cblr-9988	527	5	bloomberg l.	PERSON
cblr-9988	527	6	dec. 22, 2020	DATE
cblr-9988	527	7	6:58 pm	TIME
cblr-9988	528	1	172	CARDINAL
cblr-9988	528	2	scott a. coleman	PERSON
cblr-9988	528	3	ballard spahr llp	ORG
cblr-9988	528	4	jan. 19	DATE
cblr-9988	528	5	2022	CARDINAL
cblr-9988	531	1	1:621	CARDINAL
cblr-9988	531	2	655	CARDINAL
cblr-9988	531	3	fdic	ORG
cblr-9988	532	1	covid-19	PERSON
cblr-9988	532	2	january 2021	DATE
cblr-9988	532	3	173	CARDINAL
cblr-9988	532	4	scott a. coleman	PERSON
cblr-9988	532	5	occ approves national bank charter applications	ORG
cblr-9988	532	6	ballard spahr llp	ORG
cblr-9988	532	7	jan. 24	DATE
cblr-9988	532	8	2022	CARDINAL
cblr-9988	534	1	174	CARDINAL
cblr-9988	534	2	mels g. de zeeuw &	PERSON
cblr-9988	534	3	e. da motta	PERSON
cblr-9988	536	1	winter 2020–2021	DATE
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cblr-9988	536	3	5	CARDINAL
cblr-9988	536	4	175	CARDINAL
cblr-9988	537	1	dev.	PERSON
cblr-9988	537	2	inst	PERSON
cblr-9988	539	1	176	CARDINAL
cblr-9988	539	2	united states treasury dep’t	ORG
cblr-9988	539	3	u.s.	GPE
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cblr-9988	540	2	stacy cowley	PERSON
cblr-9988	540	3	monday	DATE
cblr-9988	540	4	n.y.	GPE
cblr-9988	540	5	jan. 8	DATE
cblr-9988	540	6	2021	DATE
cblr-9988	542	1	approximately ten percent	PERCENT
cblr-9988	542	2	5,000	CARDINAL
cblr-9988	543	1	656	CARDINAL
cblr-9988	543	2	columbia business law review	ORG
cblr-9988	544	1	2022	CARDINAL
cblr-9988	545	1	2019	DATE
cblr-9988	545	2	first	ORDINAL
cblr-9988	545	3	texas	GPE
cblr-9988	545	4	190%	PERCENT
cblr-9988	545	5	$300 to $750.181	MONEY
cblr-9988	545	6	between $300 and $10,000	MONEY
cblr-9988	545	7	35.99%	PERCENT
cblr-9988	545	8	hispanic	NORP
cblr-9988	545	9	texas	GPE
cblr-9988	545	10	california	GPE
cblr-9988	546	1	178	CARDINAL
cblr-9988	546	2	b corp certifications	ORG
cblr-9988	546	3	fig	ORG
cblr-9988	546	4	7, 2019	DATE
cblr-9988	546	5	11:00 am	TIME
cblr-9988	549	1	179	CARDINAL
cblr-9988	550	1	platts-mills & justin chung	ORG
cblr-9988	550	2	payday	DATE
cblr-9988	550	3	33	CARDINAL
cblr-9988	550	4	j. pub	ORG
cblr-9988	551	1	l. 101	PERSON
cblr-9988	551	2	134	CARDINAL
cblr-9988	551	3	135	CARDINAL
cblr-9988	551	4	2019	CARDINAL
cblr-9988	552	1	181	CARDINAL
cblr-9988	552	2	5	CARDINAL
cblr-9988	552	3	2022	CARDINAL
cblr-9988	553	1	182	CARDINAL
cblr-9988	553	2	platts-mills & chung	ORG
cblr-9988	553	3	180	CARDINAL
cblr-9988	553	4	138	CARDINAL
cblr-9988	554	1	183	CARDINAL
cblr-9988	556	1	184	CARDINAL
cblr-9988	556	2	platts-mills & chung supra	ORG
cblr-9988	556	3	180	CARDINAL
cblr-9988	557	1	oportun	PERSON
cblr-9988	557	2	46,000	MONEY
cblr-9988	558	1	nov. 23, 2020	DATE
cblr-9988	561	1	1:621	CARDINAL
cblr-9988	561	2	657	CARDINAL
cblr-9988	563	1	fintech	ORG
cblr-9988	568	1	185 12	CARDINAL
cblr-9988	569	1	2021	CARDINAL
cblr-9988	574	1	fintech	ORG
cblr-9988	575	1	b corp certifications	ORG
cblr-9988	576	1	may 7, 2019	DATE
cblr-9988	576	2	11:05 am	TIME
cblr-9988	577	1	b corp	ORG
cblr-9988	577	2	feb. 13	DATE
cblr-9988	577	3	2019	DATE
cblr-9988	579	1	658	CARDINAL
cblr-9988	579	2	columbia business law review	ORG
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cblr-9988	581	3	two	CARDINAL
cblr-9988	581	4	two	CARDINAL
cblr-9988	582	1	2	CARDINAL
cblr-9988	584	1	a few	CARDINAL
cblr-9988	584	2	187 ofer eldar	QUANTITY
cblr-9988	584	3	supra	PERSON
cblr-9988	584	4	54	DATE
cblr-9988	584	5	980–81	CARDINAL
cblr-9988	585	1	188	CARDINAL
cblr-9988	585	2	980	CARDINAL
cblr-9988	585	3	189	CARDINAL
cblr-9988	586	1	984–85	CARDINAL
cblr-9988	587	1	190	CARDINAL
cblr-9988	588	1	981	CARDINAL
cblr-9988	588	2	191 12	CARDINAL
cblr-9988	589	1	1805.201	CARDINAL
cblr-9988	589	2	2021	CARDINAL
cblr-9988	591	1	1:621	CARDINAL
cblr-9988	591	2	659	CARDINAL
cblr-9988	599	1	some 192	CARDINAL
cblr-9988	600	1	193 12	CARDINAL
cblr-9988	601	1	1805.201	CARDINAL
cblr-9988	603	1	d.	NORP
cblr-9988	603	2	195	CARDINAL
cblr-9988	603	3	stacy cowley	PERSON
cblr-9988	603	4	1	MONEY
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cblr-9988	603	6	mar. 9,	DATE
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cblr-9988	605	1	660	CARDINAL
cblr-9988	605	2	columbia business law review	ORG
cblr-9988	605	3	2022	CARDINAL
cblr-9988	605	4	jpmorgan chase	ORG
cblr-9988	605	5	1,000	MONEY
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cblr-9988	609	1	3	CARDINAL
cblr-9988	610	1	196	CARDINAL
cblr-9988	613	1	1:621	CARDINAL
cblr-9988	613	2	661	CARDINAL
cblr-9988	615	1	2020	DATE
cblr-9988	615	2	up to one million dollars	MONEY
cblr-9988	615	3	1	CARDINAL
cblr-9988	615	4	2	CARDINAL
cblr-9988	615	5	3	CARDINAL
cblr-9988	615	6	2020	DATE
cblr-9988	615	7	230	CARDINAL
cblr-9988	615	8	127	MONEY
cblr-9988	616	1	1	CARDINAL
cblr-9988	616	2	2	CARDINAL
cblr-9988	617	1	199	CARDINAL
cblr-9988	617	2	covid-19	PRODUCT
cblr-9988	618	1	200	CARDINAL
cblr-9988	618	2	2	CARDINAL
cblr-9988	618	3	2020	DATE
cblr-9988	618	4	2020	DATE
cblr-9988	621	1	12	CARDINAL
cblr-9988	622	1	1805.500	CARDINAL
cblr-9988	622	2	2021	CARDINAL
cblr-9988	623	1	201	CARDINAL
cblr-9988	623	2	200	CARDINAL
cblr-9988	623	3	2	CARDINAL
cblr-9988	623	4	202	CARDINAL
cblr-9988	623	5	12	CARDINAL
cblr-9988	624	1	1805.302	CARDINAL
cblr-9988	625	1	203	CARDINAL
cblr-9988	626	1	1805.301 204	CARDINAL
cblr-9988	626	2	200	CARDINAL
cblr-9988	626	3	4	CARDINAL
cblr-9988	626	4	662	CARDINAL
cblr-9988	626	5	2022	CARDINAL
cblr-9988	627	1	the capital reserve	ORG
cblr-9988	632	1	one	CARDINAL
cblr-9988	635	1	205	CARDINAL
cblr-9988	639	1	205	CARDINAL
cblr-9988	639	2	supra	PERSON
cblr-9988	639	3	72	DATE
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cblr-9988	641	1	1:621	CARDINAL
cblr-9988	641	2	663	CARDINAL
cblr-9988	647	1	206	CARDINAL