id	sid	tid	token	lemma	pos
cblr-14253	1	1	7	7	X
cblr-14253	1	2	.	.	X
cblr-14253	1	3	peterson	peterson	NOUN
cblr-14253	1	4	and	and	CCONJ
cblr-14253	1	5	ehrlich	ehrlich	PROPN
cblr-14253	1	6	corrupt	corrupt	ADJ
cblr-14253	1	7	joint	joint	ADJ
cblr-14253	1	8	ventures	venture	NOUN
cblr-14253	1	9	article	article	NOUN
cblr-14253	1	10	corrupt	corrupt	ADJ
cblr-14253	1	11	joint	joint	ADJ
cblr-14253	1	12	ventures	venture	NOUN
cblr-14253	1	13	in	in	ADP
cblr-14253	1	14	the	the	DET
cblr-14253	1	15	market	market	NOUN
cblr-14253	1	16	for	for	ADP
cblr-14253	1	17	residential	residential	ADJ
cblr-14253	1	18	realestate	realestate	NOUN
cblr-14253	1	19	-	-	PUNCT
cblr-14253	1	20	settlement	settlement	NOUN
cblr-14253	1	21	services	service	NOUN
cblr-14253	1	22	christopher	christopher	PROPN
cblr-14253	1	23	l.	l.	PROPN
cblr-14253	1	24	peterson†	peterson†	PROPN
cblr-14253	1	25	&	&	CCONJ
cblr-14253	1	26	jeffrey	jeffrey	PROPN
cblr-14253	1	27	p.	p.	PROPN
cblr-14253	1	28	ehrlich††	ehrlich††	PROPN
cblr-14253	2	1	closing	closing	NOUN
cblr-14253	2	2	costs	cost	NOUN
cblr-14253	2	3	in	in	ADP
cblr-14253	2	4	residential	residential	ADJ
cblr-14253	2	5	-	-	PUNCT
cblr-14253	2	6	real	real	ADJ
cblr-14253	2	7	-	-	PUNCT
cblr-14253	2	8	estate	estate	NOUN
cblr-14253	2	9	sales	sale	NOUN
cblr-14253	2	10	have	have	AUX
cblr-14253	2	11	long	long	ADV
cblr-14253	2	12	acted	act	VERB
cblr-14253	2	13	as	as	ADP
cblr-14253	2	14	a	a	DET
cblr-14253	2	15	significant	significant	ADJ
cblr-14253	2	16	barrier	barrier	NOUN
cblr-14253	2	17	to	to	ADP
cblr-14253	2	18	american	american	ADJ
cblr-14253	2	19	home	home	PROPN
cblr-14253	2	20	ownership	ownership	NOUN
cblr-14253	2	21	.	.	PUNCT
cblr-14253	3	1	in	in	ADP
cblr-14253	3	2	the	the	DET
cblr-14253	3	3	real	real	ADJ
cblr-14253	3	4	estate	estate	NOUN
cblr-14253	3	5	settlement	settlement	NOUN
cblr-14253	3	6	procedures	procedure	NOUN
cblr-14253	3	7	act	act	NOUN
cblr-14253	3	8	of	of	ADP
cblr-14253	3	9	1974	1974	NUM
cblr-14253	3	10	(	(	PUNCT
cblr-14253	3	11	respa	respa	PROPN
cblr-14253	3	12	)	)	PUNCT
cblr-14253	3	13	,	,	PUNCT
cblr-14253	3	14	congress	congress	PROPN
cblr-14253	3	15	attempted	attempt	VERB
cblr-14253	3	16	to	to	PART
cblr-14253	3	17	limit	limit	VERB
cblr-14253	3	18	these	these	DET
cblr-14253	3	19	costs	cost	NOUN
cblr-14253	3	20	by	by	ADP
cblr-14253	3	21	prohibiting	prohibit	VERB
cblr-14253	3	22	referral	referral	ADJ
cblr-14253	3	23	fees	fee	NOUN
cblr-14253	3	24	,	,	PUNCT
cblr-14253	3	25	or	or	CCONJ
cblr-14253	3	26	“	"	PUNCT
cblr-14253	3	27	kickbacks	kickback	NOUN
cblr-14253	3	28	,	,	PUNCT
cblr-14253	3	29	”	"	PUNCT
cblr-14253	3	30	between	between	ADP
cblr-14253	3	31	the	the	DET
cblr-14253	3	32	various	various	ADJ
cblr-14253	3	33	settlement	settlement	NOUN
cblr-14253	3	34	-	-	PUNCT
cblr-14253	3	35	services	service	NOUN
cblr-14253	3	36	providers	provider	NOUN
cblr-14253	3	37	.	.	PUNCT
cblr-14253	4	1	in	in	ADP
cblr-14253	4	2	1983	1983	NUM
cblr-14253	4	3	,	,	PUNCT
cblr-14253	4	4	congress	congress	PROPN
cblr-14253	4	5	adopted	adopt	VERB
cblr-14253	4	6	an	an	DET
cblr-14253	4	7	exception	exception	NOUN
cblr-14253	4	8	to	to	ADP
cblr-14253	4	9	its	its	PRON
cblr-14253	4	10	kickback	kickback	NOUN
cblr-14253	4	11	prohibition	prohibition	NOUN
cblr-14253	4	12	for	for	ADP
cblr-14253	4	13	affiliated	affiliate	VERB
cblr-14253	4	14	-	-	PUNCT
cblr-14253	4	15	business	business	NOUN
cblr-14253	4	16	arrangements	arrangement	NOUN
cblr-14253	4	17	,	,	PUNCT
cblr-14253	4	18	where	where	SCONJ
cblr-14253	4	19	residential	residential	ADJ
cblr-14253	4	20	-	-	PUNCT
cblr-14253	4	21	real	real	ADJ
cblr-14253	4	22	-	-	PUNCT
cblr-14253	4	23	estate	estate	NOUN
cblr-14253	4	24	service	service	NOUN
cblr-14253	4	25	providers	provider	NOUN
cblr-14253	4	26	jointly	jointly	ADV
cblr-14253	4	27	own	own	VERB
cblr-14253	4	28	a	a	DET
cblr-14253	4	29	business	business	NOUN
cblr-14253	4	30	and	and	CCONJ
cblr-14253	4	31	the	the	DET
cblr-14253	4	32	only	only	ADJ
cblr-14253	4	33	thing	thing	NOUN
cblr-14253	4	34	of	of	ADP
cblr-14253	4	35	value	value	NOUN
cblr-14253	4	36	received	receive	VERB
cblr-14253	4	37	by	by	ADP
cblr-14253	4	38	a	a	DET
cblr-14253	4	39	referring	refer	VERB
cblr-14253	4	40	party	party	NOUN
cblr-14253	4	41	from	from	ADP
cblr-14253	4	42	the	the	DET
cblr-14253	4	43	arrangement	arrangement	NOUN
cblr-14253	4	44	is	be	AUX
cblr-14253	4	45	a	a	DET
cblr-14253	4	46	proportional	proportional	ADJ
cblr-14253	4	47	return	return	NOUN
cblr-14253	4	48	on	on	ADP
cblr-14253	4	49	its	its	PRON
cblr-14253	4	50	ownership	ownership	NOUN
cblr-14253	4	51	interest	interest	NOUN
cblr-14253	4	52	in	in	ADP
cblr-14253	4	53	the	the	DET
cblr-14253	4	54	affiliated	affiliated	ADJ
cblr-14253	4	55	business	business	NOUN
cblr-14253	4	56	.	.	PUNCT
cblr-14253	5	1	for	for	ADP
cblr-14253	5	2	over	over	ADP
cblr-14253	5	3	40	40	NUM
cblr-14253	5	4	years	year	NOUN
cblr-14253	5	5	,	,	PUNCT
cblr-14253	5	6	courts	court	NOUN
cblr-14253	5	7	have	have	AUX
cblr-14253	5	8	struggled	struggle	VERB
cblr-14253	5	9	to	to	PART
cblr-14253	5	10	determine	determine	VERB
cblr-14253	5	11	the	the	DET
cblr-14253	5	12	circumstances	circumstance	NOUN
cblr-14253	5	13	under	under	ADP
cblr-14253	5	14	which	which	PRON
cblr-14253	5	15	these	these	DET
cblr-14253	5	16	arrangements	arrangement	NOUN
cblr-14253	5	17	are	be	AUX
cblr-14253	5	18	permissible	permissible	ADJ
cblr-14253	5	19	.	.	PUNCT
cblr-14253	6	1	in	in	ADP
cblr-14253	6	2	the	the	DET
cblr-14253	6	3	last	last	ADJ
cblr-14253	6	4	few	few	ADJ
cblr-14253	6	5	years	year	NOUN
cblr-14253	6	6	,	,	PUNCT
cblr-14253	6	7	the	the	DET
cblr-14253	6	8	real	real	ADJ
cblr-14253	6	9	-	-	PUNCT
cblr-14253	6	10	estate	estate	NOUN
cblr-14253	6	11	-	-	PUNCT
cblr-14253	6	12	settlementservices	settlementservice	NOUN
cblr-14253	6	13	market	market	NOUN
cblr-14253	6	14	has	have	AUX
cblr-14253	6	15	experienced	experience	VERB
cblr-14253	6	16	a	a	DET
cblr-14253	6	17	proliferation	proliferation	NOUN
cblr-14253	6	18	of	of	ADP
cblr-14253	6	19	joint	joint	ADJ
cblr-14253	6	20	ventures	venture	NOUN
cblr-14253	6	21	attempting	attempt	VERB
cblr-14253	6	22	to	to	PART
cblr-14253	6	23	facilitate	facilitate	VERB
cblr-14253	6	24	referral	referral	ADJ
cblr-14253	6	25	payments	payment	NOUN
cblr-14253	6	26	through	through	ADP
cblr-14253	6	27	the	the	DET
cblr-14253	6	28	affiliated	affiliate	VERB
cblr-14253	6	29	-	-	PUNCT
cblr-14253	6	30	business	business	NOUN
cblr-14253	6	31	-	-	PUNCT
cblr-14253	6	32	arrangement	arrangement	NOUN
cblr-14253	6	33	exception	exception	NOUN
cblr-14253	6	34	.	.	PUNCT
cblr-14253	7	1	in	in	ADP
cblr-14253	7	2	these	these	DET
cblr-14253	7	3	joint	joint	ADJ
cblr-14253	7	4	ventures	venture	NOUN
cblr-14253	7	5	,	,	PUNCT
cblr-14253	7	6	typically	typically	ADV
cblr-14253	7	7	between	between	ADP
cblr-14253	7	8	real	real	ADJ
cblr-14253	7	9	-	-	PUNCT
cblr-14253	7	10	estate	estate	NOUN
cblr-14253	7	11	agents	agent	NOUN
cblr-14253	7	12	,	,	PUNCT
cblr-14253	7	13	on	on	ADP
cblr-14253	7	14	the	the	DET
cblr-14253	7	15	one	one	NUM
cblr-14253	7	16	hand	hand	NOUN
cblr-14253	7	17	,	,	PUNCT
cblr-14253	7	18	and	and	CCONJ
cblr-14253	7	19	mortgage	mortgage	NOUN
cblr-14253	7	20	brokers	broker	NOUN
cblr-14253	7	21	or	or	CCONJ
cblr-14253	7	22	title	title	NOUN
cblr-14253	7	23	-	-	PUNCT
cblr-14253	7	24	insurance	insurance	NOUN
cblr-14253	7	25	companies	company	NOUN
cblr-14253	7	26	,	,	PUNCT
cblr-14253	7	27	on	on	ADP
cblr-14253	7	28	the	the	DET
cblr-14253	7	29	other	other	ADJ
cblr-14253	7	30	,	,	PUNCT
cblr-14253	7	31	the	the	DET
cblr-14253	7	32	real	real	ADJ
cblr-14253	7	33	-	-	PUNCT
cblr-14253	7	34	estate	estate	NOUN
cblr-14253	7	35	agent	agent	NOUN
cblr-14253	7	36	takes	take	VERB
cblr-14253	7	37	a	a	DET
cblr-14253	7	38	sizable	sizable	ADJ
cblr-14253	7	39	ownership	ownership	NOUN
cblr-14253	7	40	share	share	NOUN
cblr-14253	7	41	in	in	ADP
cblr-14253	7	42	the	the	DET
cblr-14253	7	43	joint	joint	ADJ
cblr-14253	7	44	venture	venture	NOUN
cblr-14253	7	45	without	without	ADP
cblr-14253	7	46	contributing	contribute	VERB
cblr-14253	7	47	significant	significant	ADJ
cblr-14253	7	48	capital	capital	NOUN
cblr-14253	7	49	.	.	PUNCT
cblr-14253	8	1	mortgage	mortgage	NOUN
cblr-14253	8	2	brokers	broker	NOUN
cblr-14253	8	3	and	and	CCONJ
cblr-14253	8	4	title	title	NOUN
cblr-14253	8	5	companies	company	NOUN
cblr-14253	8	6	arrange	arrange	VERB
cblr-14253	8	7	these	these	DET
cblr-14253	8	8	†	†	PROPN
cblr-14253	8	9	john	john	PROPN
cblr-14253	8	10	j.	j.	PROPN
cblr-14253	8	11	flynn	flynn	PROPN
cblr-14253	8	12	endowed	endow	VERB
cblr-14253	8	13	professor	professor	NOUN
cblr-14253	8	14	of	of	ADP
cblr-14253	8	15	law	law	NOUN
cblr-14253	8	16	,	,	PUNCT
cblr-14253	8	17	university	university	PROPN
cblr-14253	8	18	of	of	ADP
cblr-14253	8	19	utah	utah	PROPN
cblr-14253	8	20	,	,	PUNCT
cblr-14253	8	21	s.j	s.j	PROPN
cblr-14253	8	22	.	.	PROPN
cblr-14253	9	1	quinney	quinney	PROPN
cblr-14253	9	2	college	college	PROPN
cblr-14253	9	3	of	of	ADP
cblr-14253	9	4	law	law	NOUN
cblr-14253	9	5	.	.	PUNCT
cblr-14253	10	1	††	††	PROPN
cblr-14253	10	2	adjunct	adjunct	PROPN
cblr-14253	10	3	professor	professor	NOUN
cblr-14253	10	4	,	,	PUNCT
cblr-14253	10	5	st	st	PROPN
cblr-14253	10	6	.	.	PROPN
cblr-14253	10	7	thomas	thomas	PROPN
cblr-14253	10	8	university	university	PROPN
cblr-14253	10	9	,	,	PUNCT
cblr-14253	10	10	benjamin	benjamin	PROPN
cblr-14253	10	11	l.	l.	PROPN
cblr-14253	10	12	crump	crump	PROPN
cblr-14253	10	13	college	college	PROPN
cblr-14253	10	14	of	of	ADP
cblr-14253	10	15	law	law	NOUN
cblr-14253	10	16	.	.	PUNCT
cblr-14253	11	1	the	the	DET
cblr-14253	11	2	authors	author	NOUN
cblr-14253	11	3	would	would	AUX
cblr-14253	11	4	like	like	VERB
cblr-14253	11	5	to	to	PART
cblr-14253	11	6	thank	thank	VERB
cblr-14253	11	7	todd	todd	PROPN
cblr-14253	11	8	ewing	ewing	PROPN
cblr-14253	11	9	,	,	PUNCT
cblr-14253	11	10	robert	robert	PROPN
cblr-14253	11	11	friedman	friedman	PROPN
cblr-14253	11	12	,	,	PUNCT
cblr-14253	11	13	deepak	deepak	PROPN
cblr-14253	11	14	gupta	gupta	PROPN
cblr-14253	11	15	,	,	PUNCT
cblr-14253	11	16	and	and	CCONJ
cblr-14253	11	17	nicholas	nicholas	PROPN
cblr-14253	11	18	smyth	smyth	PROPN
cblr-14253	11	19	for	for	ADP
cblr-14253	11	20	their	their	PRON
cblr-14253	11	21	feedback	feedback	NOUN
cblr-14253	11	22	,	,	PUNCT
cblr-14253	11	23	comments	comment	NOUN
cblr-14253	11	24	,	,	PUNCT
cblr-14253	11	25	and	and	CCONJ
cblr-14253	11	26	constructive	constructive	ADJ
cblr-14253	11	27	criticism	criticism	NOUN
cblr-14253	11	28	.	.	PUNCT
cblr-14253	12	1	392	392	NUM
cblr-14253	12	2	columbia	columbia	PROPN
cblr-14253	12	3	business	business	NOUN
cblr-14253	12	4	law	law	PROPN
cblr-14253	12	5	review	review	NOUN
cblr-14253	12	6	[	[	X
cblr-14253	12	7	vol	vol	NOUN
cblr-14253	12	8	.	.	PUNCT
cblr-14253	12	9	2025	2025	NUM
cblr-14253	12	10	joint	joint	ADJ
cblr-14253	12	11	ventures	venture	NOUN
cblr-14253	12	12	as	as	ADP
cblr-14253	12	13	a	a	DET
cblr-14253	12	14	means	means	NOUN
cblr-14253	12	15	of	of	ADP
cblr-14253	12	16	rewarding	reward	VERB
cblr-14253	12	17	real	real	ADJ
cblr-14253	12	18	-	-	PUNCT
cblr-14253	12	19	estate	estate	NOUN
cblr-14253	12	20	agents	agent	NOUN
cblr-14253	12	21	for	for	ADP
cblr-14253	12	22	referrals	referral	NOUN
cblr-14253	12	23	.	.	PUNCT
cblr-14253	13	1	real	real	ADJ
cblr-14253	13	2	-	-	PUNCT
cblr-14253	13	3	estate	estate	NOUN
cblr-14253	13	4	agents	agent	NOUN
cblr-14253	13	5	enter	enter	VERB
cblr-14253	13	6	these	these	DET
cblr-14253	13	7	joint	joint	ADJ
cblr-14253	13	8	ventures	venture	NOUN
cblr-14253	13	9	to	to	PART
cblr-14253	13	10	earn	earn	VERB
cblr-14253	13	11	ancillary	ancillary	ADJ
cblr-14253	13	12	profits	profit	NOUN
cblr-14253	13	13	from	from	ADP
cblr-14253	13	14	the	the	DET
cblr-14253	13	15	mortgage	mortgage	NOUN
cblr-14253	13	16	and	and	CCONJ
cblr-14253	13	17	title	title	NOUN
cblr-14253	13	18	closing	closing	NOUN
cblr-14253	13	19	costs	cost	NOUN
cblr-14253	13	20	that	that	PRON
cblr-14253	13	21	are	be	AUX
cblr-14253	13	22	paid	pay	VERB
cblr-14253	13	23	by	by	ADP
cblr-14253	13	24	homebuyers	homebuyer	NOUN
cblr-14253	13	25	and	and	CCONJ
cblr-14253	13	26	sellers	seller	NOUN
cblr-14253	13	27	.	.	PUNCT
cblr-14253	14	1	but	but	CCONJ
cblr-14253	14	2	these	these	DET
cblr-14253	14	3	joint	joint	ADJ
cblr-14253	14	4	ventures	venture	NOUN
cblr-14253	14	5	are	be	AUX
cblr-14253	14	6	a	a	DET
cblr-14253	14	7	bad	bad	ADJ
cblr-14253	14	8	deal	deal	NOUN
cblr-14253	14	9	for	for	ADP
cblr-14253	14	10	consumers	consumer	NOUN
cblr-14253	14	11	because	because	SCONJ
cblr-14253	14	12	they	they	PRON
cblr-14253	14	13	stifle	stifle	VERB
cblr-14253	14	14	competition	competition	NOUN
cblr-14253	14	15	and	and	CCONJ
cblr-14253	14	16	increase	increase	VERB
cblr-14253	14	17	homebuying	homebuying	NOUN
cblr-14253	14	18	costs	cost	NOUN
cblr-14253	14	19	,	,	PUNCT
cblr-14253	14	20	including	include	VERB
cblr-14253	14	21	“	"	PUNCT
cblr-14253	14	22	junk	junk	NOUN
cblr-14253	14	23	fees	fee	NOUN
cblr-14253	14	24	.	.	PUNCT
cblr-14253	14	25	”	"	PUNCT
cblr-14253	15	1	we	we	PRON
cblr-14253	15	2	argue	argue	VERB
cblr-14253	15	3	that	that	SCONJ
cblr-14253	15	4	(	(	PUNCT
cblr-14253	15	5	1	1	X
cblr-14253	15	6	)	)	PUNCT
cblr-14253	15	7	the	the	DET
cblr-14253	15	8	common	common	ADJ
cblr-14253	15	9	practice	practice	NOUN
cblr-14253	15	10	of	of	ADP
cblr-14253	15	11	forming	form	VERB
cblr-14253	15	12	joint	joint	ADJ
cblr-14253	15	13	ventures	venture	NOUN
cblr-14253	15	14	by	by	ADP
cblr-14253	15	15	offering	offer	VERB
cblr-14253	15	16	discounted	discount	VERB
cblr-14253	15	17	investment	investment	NOUN
cblr-14253	15	18	opportunities	opportunity	NOUN
cblr-14253	15	19	violates	violate	VERB
cblr-14253	15	20	respa	respa	PROPN
cblr-14253	15	21	’s	’s	PART
cblr-14253	15	22	kickback	kickback	NOUN
cblr-14253	15	23	prohibition	prohibition	NOUN
cblr-14253	15	24	,	,	PUNCT
cblr-14253	15	25	and	and	CCONJ
cblr-14253	15	26	(	(	PUNCT
cblr-14253	15	27	2	2	X
cblr-14253	15	28	)	)	PUNCT
cblr-14253	15	29	many	many	ADJ
cblr-14253	15	30	joint	joint	ADJ
cblr-14253	15	31	ventures	venture	NOUN
cblr-14253	15	32	violate	violate	VERB
cblr-14253	15	33	the	the	DET
cblr-14253	15	34	prohibition	prohibition	NOUN
cblr-14253	15	35	on	on	ADP
cblr-14253	15	36	abusive	abusive	ADJ
cblr-14253	15	37	conduct	conduct	NOUN
cblr-14253	15	38	in	in	ADP
cblr-14253	15	39	the	the	DET
cblr-14253	15	40	consumer	consumer	NOUN
cblr-14253	15	41	financial	financial	PROPN
cblr-14253	15	42	protection	protection	PROPN
cblr-14253	15	43	act	act	NOUN
cblr-14253	15	44	of	of	ADP
cblr-14253	15	45	2010	2010	NUM
cblr-14253	15	46	(	(	PUNCT
cblr-14253	15	47	cfpa	cfpa	NOUN
cblr-14253	15	48	)	)	PUNCT
cblr-14253	15	49	when	when	SCONJ
cblr-14253	15	50	real	real	ADJ
cblr-14253	15	51	-	-	PUNCT
cblr-14253	15	52	estate	estate	NOUN
cblr-14253	15	53	agents	agent	NOUN
cblr-14253	15	54	take	take	VERB
cblr-14253	15	55	advantage	advantage	NOUN
cblr-14253	15	56	of	of	ADP
cblr-14253	15	57	consumers	consumer	NOUN
cblr-14253	15	58	by	by	ADP
cblr-14253	15	59	steering	steer	VERB
cblr-14253	15	60	them	they	PRON
cblr-14253	15	61	into	into	ADP
cblr-14253	15	62	coowned	coowne	VERB
cblr-14253	15	63	settlement	settlement	NOUN
cblr-14253	15	64	-	-	PUNCT
cblr-14253	15	65	services	service	NOUN
cblr-14253	15	66	providers	provider	NOUN
cblr-14253	15	67	.	.	PUNCT
cblr-14253	16	1	we	we	PRON
cblr-14253	16	2	conclude	conclude	VERB
cblr-14253	16	3	with	with	ADP
cblr-14253	16	4	proposed	propose	VERB
cblr-14253	16	5	compliance	compliance	NOUN
cblr-14253	16	6	principles	principle	NOUN
cblr-14253	16	7	and	and	CCONJ
cblr-14253	16	8	policy	policy	NOUN
cblr-14253	16	9	recommendations	recommendation	NOUN
cblr-14253	16	10	.	.	PUNCT
cblr-14253	17	1	i.	i.	NOUN
cblr-14253	17	2	introduction	introduction	NOUN
cblr-14253	17	3	.........................................................	.........................................................	PUNCT
cblr-14253	17	4	393	393	NUM
cblr-14253	17	5	ii	ii	NOUN
cblr-14253	17	6	.	.	PUNCT
cblr-14253	18	1	background	background	NOUN
cblr-14253	18	2	..........................................................	..........................................................	PUNCT
cblr-14253	19	1	399	399	NUM
cblr-14253	19	2	iii	iii	NOUN
cblr-14253	19	3	.	.	PUNCT
cblr-14253	19	4	real	real	ADJ
cblr-14253	19	5	estate	estate	NOUN
cblr-14253	19	6	settlement	settlement	NOUN
cblr-14253	19	7	joint	joint	ADJ
cblr-14253	19	8	ventures	venture	NOUN
cblr-14253	19	9	under	under	ADP
cblr-14253	19	10	respa	respa	PROPN
cblr-14253	19	11	’s	’s	PART
cblr-14253	19	12	affiliated	affiliate	VERB
cblr-14253	19	13	business	business	NOUN
cblr-14253	19	14	arrangement	arrangement	NOUN
cblr-14253	19	15	exemption	exemption	NOUN
cblr-14253	19	16	............................................................	............................................................	PUNCT
cblr-14253	19	17	411	411	NUM
cblr-14253	19	18	a.	a.	NOUN
cblr-14253	19	19	section	section	NOUN
cblr-14253	19	20	8	8	NUM
cblr-14253	19	21	’s	’s	PART
cblr-14253	19	22	kickback	kickback	NOUN
cblr-14253	19	23	prohibition	prohibition	NOUN
cblr-14253	19	24	and	and	CCONJ
cblr-14253	19	25	the	the	DET
cblr-14253	19	26	affiliated	affiliated	ADJ
cblr-14253	19	27	business	business	NOUN
cblr-14253	19	28	arrangements	arrangement	NOUN
cblr-14253	19	29	exception	exception	NOUN
cblr-14253	19	30	.	.	PUNCT
cblr-14253	20	1	412	412	NUM
cblr-14253	20	2	b.	b.	NOUN
cblr-14253	20	3	discounts	discount	NOUN
cblr-14253	20	4	as	as	ADP
cblr-14253	20	5	kickbacks	kickback	NOUN
cblr-14253	20	6	:	:	PUNCT
cblr-14253	20	7	illusory	illusory	ADJ
cblr-14253	20	8	capital	capital	NOUN
cblr-14253	20	9	investment	investment	NOUN
cblr-14253	20	10	in	in	ADP
cblr-14253	20	11	real	real	ADJ
cblr-14253	20	12	estate	estate	NOUN
cblr-14253	20	13	settlement	settlement	NOUN
cblr-14253	20	14	joint	joint	ADJ
cblr-14253	20	15	ventures	venture	NOUN
cblr-14253	20	16	............................................................	............................................................	PUNCT
cblr-14253	20	17	418	418	NUM
cblr-14253	20	18	iv	iv	NOUN
cblr-14253	20	19	.	.	PUNCT
cblr-14253	21	1	steering	steer	VERB
cblr-14253	21	2	consumers	consumer	NOUN
cblr-14253	21	3	to	to	PART
cblr-14253	21	4	discounted	discount	VERB
cblr-14253	21	5	real	real	ADJ
cblr-14253	21	6	estate	estate	NOUN
cblr-14253	21	7	settlement	settlement	NOUN
cblr-14253	21	8	joint	joint	ADJ
cblr-14253	21	9	ventures	venture	NOUN
cblr-14253	21	10	under	under	ADP
cblr-14253	21	11	the	the	DET
cblr-14253	21	12	dodd	dodd	PROPN
cblr-14253	21	13	-	-	PUNCT
cblr-14253	21	14	frank	frank	PROPN
cblr-14253	21	15	act	act	PROPN
cblr-14253	21	16	’s	’s	PART
cblr-14253	21	17	prohibition	prohibition	NOUN
cblr-14253	21	18	of	of	ADP
cblr-14253	21	19	abusive	abusive	ADJ
cblr-14253	21	20	practices	practice	NOUN
cblr-14253	21	21	................	................	PUNCT
cblr-14253	21	22	421	421	NUM
cblr-14253	21	23	a.	a.	NOUN
cblr-14253	21	24	the	the	DET
cblr-14253	21	25	cfpa	cfpa	NOUN
cblr-14253	21	26	applies	apply	VERB
cblr-14253	21	27	to	to	ADP
cblr-14253	21	28	real	real	ADJ
cblr-14253	21	29	-	-	PUNCT
cblr-14253	21	30	estate	estate	NOUN
cblr-14253	21	31	agents	agent	NOUN
cblr-14253	21	32	who	who	PRON
cblr-14253	21	33	partly	partly	ADV
cblr-14253	21	34	own	own	VERB
cblr-14253	21	35	settlement	settlement	NOUN
cblr-14253	21	36	joint	joint	ADJ
cblr-14253	21	37	ventures	venture	NOUN
cblr-14253	21	38	.	.	PUNCT
cblr-14253	22	1	.............	.............	PUNCT
cblr-14253	22	2	424	424	NUM
cblr-14253	22	3	b.	b.	PROPN
cblr-14253	22	4	real	real	ADJ
cblr-14253	22	5	-	-	PUNCT
cblr-14253	22	6	estate	estate	NOUN
cblr-14253	22	7	agent	agent	NOUN
cblr-14253	22	8	liability	liability	NOUN
cblr-14253	22	9	for	for	ADP
cblr-14253	22	10	abusive	abusive	ADJ
cblr-14253	22	11	selfdealing	selfdealing	NOUN
cblr-14253	22	12	under	under	ADP
cblr-14253	22	13	the	the	DET
cblr-14253	22	14	cfpa	cfpa	NOUN
cblr-14253	22	15	..................................	..................................	PUNCT
cblr-14253	22	16	425	425	NUM
cblr-14253	22	17	1	1	NUM
cblr-14253	22	18	.	.	PUNCT
cblr-14253	22	19	abusive	abusive	ADJ
cblr-14253	22	20	steering	steering	NOUN
cblr-14253	22	21	...........................................	...........................................	PUNCT
cblr-14253	22	22	426	426	NUM
cblr-14253	22	23	2	2	NUM
cblr-14253	22	24	.	.	PUNCT
cblr-14253	22	25	abusive	abusive	ADJ
cblr-14253	22	26	breach	breach	NOUN
cblr-14253	22	27	of	of	ADP
cblr-14253	22	28	a	a	DET
cblr-14253	22	29	duty	duty	NOUN
cblr-14253	22	30	of	of	ADP
cblr-14253	22	31	impartiality	impartiality	NOUN
cblr-14253	22	32	....	....	PUNCT
cblr-14253	23	1	428	428	NUM
cblr-14253	24	1	v.	v.	ADP
cblr-14253	24	2	compliance	compliance	NOUN
cblr-14253	24	3	principles	principle	NOUN
cblr-14253	24	4	in	in	ADP
cblr-14253	24	5	settlement	settlement	NOUN
cblr-14253	24	6	joint	joint	ADJ
cblr-14253	24	7	ventures	venture	NOUN
cblr-14253	24	8	...............................................................	...............................................................	PUNCT
cblr-14253	24	9	431	431	NUM
cblr-14253	24	10	a.	a.	NOUN
cblr-14253	24	11	un	un	ADJ
cblr-14253	24	12	-	-	ADJ
cblr-14253	24	13	discounted	discount	VERB
cblr-14253	24	14	ownership	ownership	NOUN
cblr-14253	24	15	:	:	PUNCT
cblr-14253	24	16	toward	toward	ADP
cblr-14253	24	17	a	a	DET
cblr-14253	24	18	fair	fair	ADJ
cblr-14253	24	19	-	-	PUNCT
cblr-14253	24	20	marketprice	marketprice	NOUN
cblr-14253	24	21	principle	principle	NOUN
cblr-14253	24	22	in	in	ADP
cblr-14253	24	23	affiliated	affiliate	VERB
cblr-14253	24	24	-	-	PUNCT
cblr-14253	24	25	businessarrangement	businessarrangement	ADJ
cblr-14253	24	26	formation	formation	NOUN
cblr-14253	24	27	....................................	....................................	PUNCT
cblr-14253	25	1	432	432	NUM
cblr-14253	25	2	no	no	INTJ
cblr-14253	25	3	.	.	NOUN
cblr-14253	26	1	1	1	NUM
cblr-14253	26	2	]	]	PUNCT
cblr-14253	26	3	corrupt	corrupt	ADJ
cblr-14253	26	4	joint	joint	ADJ
cblr-14253	26	5	ventures	venture	NOUN
cblr-14253	26	6	393	393	NUM
cblr-14253	26	7	b.	b.	NOUN
cblr-14253	26	8	taking	take	VERB
cblr-14253	26	9	unreasonable	unreasonable	ADJ
cblr-14253	26	10	advantage	advantage	NOUN
cblr-14253	26	11	through	through	ADP
cblr-14253	26	12	affiliated	affiliate	VERB
cblr-14253	26	13	-	-	PUNCT
cblr-14253	26	14	business	business	NOUN
cblr-14253	26	15	arrangements	arrangement	NOUN
cblr-14253	26	16	....................	....................	PUNCT
cblr-14253	27	1	438	438	NUM
cblr-14253	27	2	vi	vi	NOUN
cblr-14253	27	3	.	.	PUNCT
cblr-14253	27	4	policy	policy	NOUN
cblr-14253	27	5	recommendations	recommendation	NOUN
cblr-14253	27	6	....................................	....................................	PUNCT
cblr-14253	28	1	441	441	NUM
cblr-14253	28	2	vii	vii	PROPN
cblr-14253	28	3	.	.	PUNCT
cblr-14253	28	4	conclusion	conclusion	NOUN
cblr-14253	28	5	............................................................	............................................................	PUNCT
cblr-14253	28	6	447	447	NUM
cblr-14253	28	7	viii	viii	ADJ
cblr-14253	28	8	.	.	PUNCT
cblr-14253	29	1	appendix	appendix	VERB
cblr-14253	29	2	a.	a.	NOUN
cblr-14253	29	3	title	title	PROPN
cblr-14253	29	4	insurance	insurance	NOUN
cblr-14253	29	5	joint	joint	ADJ
cblr-14253	29	6	venture	venture	NOUN
cblr-14253	29	7	pro	pro	X
cblr-14253	29	8	forma	forma	NOUN
cblr-14253	29	9	...................................................................	...................................................................	PUNCT
cblr-14253	30	1	449	449	NUM
cblr-14253	30	2	i.	i.	NOUN
cblr-14253	30	3	introduction	introduction	NOUN
cblr-14253	30	4	homeownership	homeownership	NOUN
cblr-14253	30	5	is	be	AUX
cblr-14253	30	6	deeply	deeply	ADV
cblr-14253	30	7	woven	weave	VERB
cblr-14253	30	8	into	into	ADP
cblr-14253	30	9	the	the	DET
cblr-14253	30	10	fabric	fabric	NOUN
cblr-14253	30	11	of	of	ADP
cblr-14253	30	12	the	the	DET
cblr-14253	30	13	american	american	PROPN
cblr-14253	30	14	dream	dream	NOUN
cblr-14253	30	15	,	,	PUNCT
cblr-14253	30	16	symbolizing	symbolize	VERB
cblr-14253	30	17	not	not	PART
cblr-14253	30	18	only	only	ADV
cblr-14253	30	19	a	a	DET
cblr-14253	30	20	place	place	NOUN
cblr-14253	30	21	of	of	ADP
cblr-14253	30	22	shelter	shelter	NOUN
cblr-14253	30	23	but	but	CCONJ
cblr-14253	30	24	also	also	ADV
cblr-14253	30	25	the	the	DET
cblr-14253	30	26	promise	promise	NOUN
cblr-14253	30	27	of	of	ADP
cblr-14253	30	28	stability	stability	NOUN
cblr-14253	30	29	,	,	PUNCT
cblr-14253	30	30	security	security	NOUN
cblr-14253	30	31	,	,	PUNCT
cblr-14253	30	32	and	and	CCONJ
cblr-14253	30	33	financial	financial	ADJ
cblr-14253	30	34	prosperity	prosperity	NOUN
cblr-14253	30	35	.	.	PUNCT
cblr-14253	31	1	the	the	DET
cblr-14253	31	2	notion	notion	NOUN
cblr-14253	31	3	that	that	SCONJ
cblr-14253	31	4	every	every	DET
cblr-14253	31	5	individual	individual	NOUN
cblr-14253	31	6	should	should	AUX
cblr-14253	31	7	have	have	AUX
cblr-14253	31	8	the	the	DET
cblr-14253	31	9	opportunity	opportunity	NOUN
cblr-14253	31	10	to	to	PART
cblr-14253	31	11	own	own	VERB
cblr-14253	31	12	a	a	DET
cblr-14253	31	13	piece	piece	NOUN
cblr-14253	31	14	of	of	ADP
cblr-14253	31	15	land	land	NOUN
cblr-14253	31	16	and	and	CCONJ
cblr-14253	31	17	a	a	DET
cblr-14253	31	18	dwelling	dwelling	NOUN
cblr-14253	31	19	to	to	PART
cblr-14253	31	20	call	call	VERB
cblr-14253	31	21	their	their	PRON
cblr-14253	31	22	own	own	ADJ
cblr-14253	31	23	has	have	AUX
cblr-14253	31	24	been	be	AUX
cblr-14253	31	25	a	a	DET
cblr-14253	31	26	driving	drive	VERB
cblr-14253	31	27	force	force	NOUN
cblr-14253	31	28	in	in	ADP
cblr-14253	31	29	shaping	shape	VERB
cblr-14253	31	30	societal	societal	ADJ
cblr-14253	31	31	aspirations	aspiration	NOUN
cblr-14253	31	32	and	and	CCONJ
cblr-14253	31	33	economic	economic	ADJ
cblr-14253	31	34	growth.1	growth.1	PROPN
cblr-14253	31	35	homeownership	homeownership	NOUN
cblr-14253	31	36	can	can	AUX
cblr-14253	31	37	increase	increase	VERB
cblr-14253	31	38	employment	employment	NOUN
cblr-14253	31	39	opportunities	opportunity	NOUN
cblr-14253	31	40	,	,	PUNCT
cblr-14253	31	41	affect	affect	VERB
cblr-14253	31	42	where	where	SCONJ
cblr-14253	31	43	children	child	NOUN
cblr-14253	31	44	attend	attend	VERB
cblr-14253	31	45	school	school	NOUN
cblr-14253	31	46	,	,	PUNCT
cblr-14253	31	47	and	and	CCONJ
cblr-14253	31	48	raise	raise	VERB
cblr-14253	31	49	household	household	NOUN
cblr-14253	31	50	wealth.2	wealth.2	PROPN
cblr-14253	31	51	homeownership	homeownership	NOUN
cblr-14253	31	52	is	be	AUX
cblr-14253	31	53	now	now	ADV
cblr-14253	31	54	less	less	ADV
cblr-14253	31	55	expensive	expensive	ADJ
cblr-14253	31	56	than	than	ADP
cblr-14253	31	57	renting	rent	VERB
cblr-14253	31	58	for	for	ADP
cblr-14253	31	59	comparable	comparable	ADJ
cblr-14253	31	60	properties	property	NOUN
cblr-14253	31	61	and	and	CCONJ
cblr-14253	31	62	provides	provide	VERB
cblr-14253	31	63	a	a	DET
cblr-14253	31	64	cushion	cushion	NOUN
cblr-14253	31	65	for	for	ADP
cblr-14253	31	66	temporary	temporary	ADJ
cblr-14253	31	67	disruptions	disruption	NOUN
cblr-14253	31	68	to	to	ADP
cblr-14253	31	69	household	household	NOUN
cblr-14253	31	70	1	1	NUM
cblr-14253	31	71	see	see	VERB
cblr-14253	31	72	kenneth	kenneth	PROPN
cblr-14253	31	73	worles	worle	NOUN
cblr-14253	31	74	,	,	PUNCT
cblr-14253	31	75	mlk	mlk	PROPN
cblr-14253	31	76	’s	’s	PART
cblr-14253	31	77	dream	dream	NOUN
cblr-14253	31	78	of	of	ADP
cblr-14253	31	79	housing	housing	NOUN
cblr-14253	31	80	equality	equality	NOUN
cblr-14253	31	81	,	,	PUNCT
cblr-14253	31	82	inequality.org	inequality.org	PROPN
cblr-14253	31	83	(	(	PUNCT
cblr-14253	31	84	jan	jan	PROPN
cblr-14253	31	85	.	.	PROPN
cblr-14253	31	86	13	13	NUM
cblr-14253	31	87	,	,	PUNCT
cblr-14253	31	88	2017	2017	NUM
cblr-14253	31	89	)	)	PUNCT
cblr-14253	31	90	,	,	PUNCT
cblr-14253	31	91	https://inequality.org/article/mlks-dreamhousing-equality/	https://inequality.org/article/mlks-dreamhousing-equality/	X
cblr-14253	32	1	[	[	X
cblr-14253	32	2	https://perma.cc/z3t4-wvlu	https://perma.cc/z3t4-wvlu	X
cblr-14253	32	3	]	]	X
cblr-14253	32	4	(	(	PUNCT
cblr-14253	32	5	quoting	quote	VERB
cblr-14253	32	6	martin	martin	PROPN
cblr-14253	32	7	luther	luther	PROPN
cblr-14253	32	8	king	king	PROPN
cblr-14253	32	9	,	,	PUNCT
cblr-14253	32	10	jr	jr	PROPN
cblr-14253	32	11	.	.	PROPN
cblr-14253	32	12	,	,	PUNCT
cblr-14253	32	13	speech	speech	NOUN
cblr-14253	32	14	at	at	ADP
cblr-14253	32	15	the	the	DET
cblr-14253	32	16	chicago	chicago	PROPN
cblr-14253	32	17	freedom	freedom	NOUN
cblr-14253	32	18	movement	movement	PROPN
cblr-14253	32	19	rally	rally	PROPN
cblr-14253	32	20	(	(	PUNCT
cblr-14253	32	21	july	july	PROPN
cblr-14253	32	22	10	10	NUM
cblr-14253	32	23	,	,	PUNCT
cblr-14253	32	24	1966	1966	NUM
cblr-14253	32	25	)	)	PUNCT
cblr-14253	32	26	)	)	PUNCT
cblr-14253	32	27	(	(	PUNCT
cblr-14253	32	28	“	"	PUNCT
cblr-14253	32	29	‘	'	PUNCT
cblr-14253	32	30	now	now	ADV
cblr-14253	32	31	is	be	AUX
cblr-14253	32	32	the	the	DET
cblr-14253	32	33	time	time	NOUN
cblr-14253	32	34	to	to	PART
cblr-14253	32	35	make	make	VERB
cblr-14253	32	36	real	real	ADJ
cblr-14253	32	37	the	the	DET
cblr-14253	32	38	promises	promise	NOUN
cblr-14253	32	39	of	of	ADP
cblr-14253	32	40	democracy	democracy	NOUN
cblr-14253	32	41	.	.	PUNCT
cblr-14253	33	1	now	now	ADV
cblr-14253	33	2	is	be	AUX
cblr-14253	33	3	the	the	DET
cblr-14253	33	4	time	time	NOUN
cblr-14253	33	5	to	to	PART
cblr-14253	33	6	open	open	VERB
cblr-14253	33	7	the	the	DET
cblr-14253	33	8	doors	door	NOUN
cblr-14253	33	9	of	of	ADP
cblr-14253	33	10	opportunity	opportunity	NOUN
cblr-14253	33	11	to	to	ADP
cblr-14253	33	12	all	all	PRON
cblr-14253	33	13	of	of	ADP
cblr-14253	33	14	god	god	PROPN
cblr-14253	33	15	’s	’s	PART
cblr-14253	33	16	children	child	NOUN
cblr-14253	33	17	.	.	PUNCT
cblr-14253	33	18	’	'	PUNCT
cblr-14253	34	1	that	that	PRON
cblr-14253	34	2	door	door	NOUN
cblr-14253	34	3	to	to	ADP
cblr-14253	34	4	opportunity	opportunity	NOUN
cblr-14253	34	5	is	be	AUX
cblr-14253	34	6	home	home	NOUN
cblr-14253	34	7	ownership	ownership	NOUN
cblr-14253	34	8	—	—	PUNCT
cblr-14253	34	9	which	which	PRON
cblr-14253	34	10	,	,	PUNCT
cblr-14253	34	11	for	for	ADP
cblr-14253	34	12	most	most	ADJ
cblr-14253	34	13	americans	americans	PROPN
cblr-14253	34	14	,	,	PUNCT
cblr-14253	34	15	is	be	AUX
cblr-14253	34	16	their	their	PRON
cblr-14253	34	17	single	single	ADJ
cblr-14253	34	18	most	most	ADV
cblr-14253	34	19	valuable	valuable	ADJ
cblr-14253	34	20	asset	asset	NOUN
cblr-14253	34	21	.	.	PUNCT
cblr-14253	34	22	”	"	PUNCT
cblr-14253	34	23	)	)	PUNCT
cblr-14253	34	24	.	.	PUNCT
cblr-14253	35	1	see	see	VERB
cblr-14253	35	2	also	also	ADV
cblr-14253	35	3	martin	martin	PROPN
cblr-14253	35	4	luther	luther	PROPN
cblr-14253	35	5	king	king	PROPN
cblr-14253	35	6	,	,	PUNCT
cblr-14253	35	7	jr	jr	PROPN
cblr-14253	35	8	.	.	PROPN
cblr-14253	35	9	,	,	PUNCT
cblr-14253	35	10	the	the	DET
cblr-14253	35	11	autobiography	autobiography	NOUN
cblr-14253	35	12	of	of	ADP
cblr-14253	35	13	martin	martin	PROPN
cblr-14253	35	14	luther	luther	PROPN
cblr-14253	35	15	king	king	PROPN
cblr-14253	35	16	,	,	PUNCT
cblr-14253	35	17	jr	jr	PROPN
cblr-14253	35	18	.	.	PROPN
cblr-14253	35	19	297–313	297–313	NUM
cblr-14253	35	20	(	(	PUNCT
cblr-14253	35	21	clayborn	clayborn	ADJ
cblr-14253	35	22	carson	carson	PROPN
cblr-14253	35	23	ed	ed	NOUN
cblr-14253	35	24	.	.	PROPN
cblr-14253	35	25	,	,	PUNCT
cblr-14253	35	26	2001	2001	NUM
cblr-14253	35	27	)	)	PUNCT
cblr-14253	35	28	(	(	PUNCT
cblr-14253	35	29	providing	provide	VERB
cblr-14253	35	30	a	a	DET
cblr-14253	35	31	historical	historical	ADJ
cblr-14253	35	32	account	account	NOUN
cblr-14253	35	33	of	of	ADP
cblr-14253	35	34	king	king	NOUN
cblr-14253	35	35	’s	’s	PART
cblr-14253	35	36	fair	fair	ADJ
cblr-14253	35	37	housing	housing	NOUN
cblr-14253	35	38	campaign	campaign	NOUN
cblr-14253	35	39	in	in	ADP
cblr-14253	35	40	chicago	chicago	PROPN
cblr-14253	35	41	)	)	PUNCT
cblr-14253	35	42	.	.	PUNCT
cblr-14253	36	1	2	2	NUM
cblr-14253	36	2	whitney	whitney	PROPN
cblr-14253	36	3	l.	l.	PROPN
cblr-14253	36	4	rostad	rostad	PROPN
cblr-14253	36	5	,	,	PUNCT
cblr-14253	36	6	katie	katie	PROPN
cblr-14253	36	7	a.	a.	NOUN
cblr-14253	36	8	ports	port	NOUN
cblr-14253	36	9	&	&	CCONJ
cblr-14253	36	10	shichao	shichao	PROPN
cblr-14253	36	11	tang	tang	PROPN
cblr-14253	36	12	,	,	PUNCT
cblr-14253	36	13	mothers	mother	NOUN
cblr-14253	36	14	’	'	PUNCT
cblr-14253	36	15	homeownership	homeownership	NOUN
cblr-14253	36	16	and	and	CCONJ
cblr-14253	36	17	children	child	NOUN
cblr-14253	36	18	's	's	PART
cblr-14253	36	19	economic	economic	ADJ
cblr-14253	36	20	success	success	NOUN
cblr-14253	36	21	20	20	NUM
cblr-14253	36	22	years	year	NOUN
cblr-14253	36	23	later	later	ADV
cblr-14253	36	24	among	among	ADP
cblr-14253	36	25	a	a	DET
cblr-14253	36	26	sample	sample	NOUN
cblr-14253	36	27	of	of	ADP
cblr-14253	36	28	us	us	PROPN
cblr-14253	36	29	citizens	citizen	NOUN
cblr-14253	36	30	,	,	PUNCT
cblr-14253	36	31	99	99	NUM
cblr-14253	36	32	child	child	NOUN
cblr-14253	36	33	&	&	CCONJ
cblr-14253	36	34	youth	youth	NOUN
cblr-14253	36	35	serv	serv	PROPN
cblr-14253	36	36	.	.	PUNCT
cblr-14253	36	37	rev	rev	PROPN
cblr-14253	36	38	.	.	PROPN
cblr-14253	36	39	355	355	NUM
cblr-14253	36	40	,	,	PUNCT
cblr-14253	36	41	355	355	NUM
cblr-14253	36	42	(	(	PUNCT
cblr-14253	36	43	2019	2019	NUM
cblr-14253	36	44	)	)	PUNCT
cblr-14253	36	45	(	(	PUNCT
cblr-14253	36	46	discussing	discuss	VERB
cblr-14253	36	47	a	a	DET
cblr-14253	36	48	twenty	twenty	NUM
cblr-14253	36	49	year	year	NOUN
cblr-14253	36	50	longitudinal	longitudinal	ADJ
cblr-14253	36	51	study	study	NOUN
cblr-14253	36	52	finding	find	VERB
cblr-14253	36	53	“	"	PUNCT
cblr-14253	36	54	adults	adult	NOUN
cblr-14253	36	55	whose	whose	DET
cblr-14253	36	56	mothers	mother	NOUN
cblr-14253	36	57	owned	own	VERB
cblr-14253	36	58	homes	home	NOUN
cblr-14253	36	59	.	.	PUNCT
cblr-14253	36	60	.	.	PUNCT
cblr-14253	37	1	.	.	PUNCT
cblr-14253	37	2	were	be	AUX
cblr-14253	37	3	over	over	ADP
cblr-14253	37	4	1.5	1.5	NUM
cblr-14253	37	5	times	time	NOUN
cblr-14253	37	6	more	more	ADV
cblr-14253	37	7	likely	likely	ADJ
cblr-14253	37	8	to	to	PART
cblr-14253	37	9	own	own	VERB
cblr-14253	37	10	homes	home	NOUN
cblr-14253	37	11	,	,	PUNCT
cblr-14253	37	12	attain	attain	VERB
cblr-14253	37	13	[	[	X
cblr-14253	37	14	]	]	X
cblr-14253	37	15	higher	high	ADJ
cblr-14253	37	16	education	education	NOUN
cblr-14253	37	17	,	,	PUNCT
cblr-14253	37	18	and	and	CCONJ
cblr-14253	37	19	were	be	AUX
cblr-14253	37	20	moderately	moderately	ADV
cblr-14253	37	21	less	less	ADV
cblr-14253	37	22	likely	likely	ADJ
cblr-14253	37	23	to	to	PART
cblr-14253	37	24	receive	receive	VERB
cblr-14253	37	25	public	public	ADJ
cblr-14253	37	26	assistance	assistance	NOUN
cblr-14253	37	27	.	.	PUNCT
cblr-14253	37	28	.	.	PUNCT
cblr-14253	38	1	.	.	PUNCT
cblr-14253	39	1	compared	compare	VERB
cblr-14253	39	2	to	to	ADP
cblr-14253	39	3	adults	adult	NOUN
cblr-14253	39	4	whose	whose	DET
cblr-14253	39	5	mothers	mother	NOUN
cblr-14253	39	6	did	do	AUX
cblr-14253	39	7	not	not	PART
cblr-14253	39	8	own	own	VERB
cblr-14253	39	9	homes	home	NOUN
cblr-14253	39	10	.	.	PUNCT
cblr-14253	39	11	”	"	PUNCT
cblr-14253	39	12	)	)	PUNCT
cblr-14253	39	13	.	.	PUNCT
cblr-14253	40	1	394	394	NUM
cblr-14253	40	2	columbia	columbia	PROPN
cblr-14253	40	3	business	business	NOUN
cblr-14253	40	4	law	law	PROPN
cblr-14253	40	5	review	review	NOUN
cblr-14253	40	6	[	[	X
cblr-14253	40	7	vol	vol	NOUN
cblr-14253	40	8	.	.	PUNCT
cblr-14253	40	9	2025	2025	NUM
cblr-14253	40	10	income.3	income.3	PRON
cblr-14253	40	11	stable	stable	ADJ
cblr-14253	40	12	homeownership	homeownership	NOUN
cblr-14253	40	13	produces	produce	VERB
cblr-14253	40	14	social	social	ADJ
cblr-14253	40	15	,	,	PUNCT
cblr-14253	40	16	economic	economic	ADJ
cblr-14253	40	17	,	,	PUNCT
cblr-14253	40	18	and	and	CCONJ
cblr-14253	40	19	environmental	environmental	ADJ
cblr-14253	40	20	well	well	ADV
cblr-14253	40	21	-	-	PUNCT
cblr-14253	40	22	being	being	NOUN
cblr-14253	40	23	and	and	CCONJ
cblr-14253	40	24	contributes	contribute	VERB
cblr-14253	40	25	to	to	ADP
cblr-14253	40	26	vibrant	vibrant	ADJ
cblr-14253	40	27	communities.4	communities.4	NOUN
cblr-14253	40	28	while	while	SCONJ
cblr-14253	40	29	the	the	DET
cblr-14253	40	30	benefits	benefit	NOUN
cblr-14253	40	31	of	of	ADP
cblr-14253	40	32	homeownership	homeownership	NOUN
cblr-14253	40	33	should	should	AUX
cblr-14253	40	34	not	not	PART
cblr-14253	40	35	obscure	obscure	VERB
cblr-14253	40	36	the	the	DET
cblr-14253	40	37	need	need	NOUN
cblr-14253	40	38	to	to	PART
cblr-14253	40	39	support	support	VERB
cblr-14253	40	40	a	a	DET
cblr-14253	40	41	variety	variety	NOUN
cblr-14253	40	42	of	of	ADP
cblr-14253	40	43	housing	housing	NOUN
cblr-14253	40	44	options	option	NOUN
cblr-14253	40	45	,	,	PUNCT
cblr-14253	40	46	the	the	DET
cblr-14253	40	47	overall	overall	ADJ
cblr-14253	40	48	public	public	ADJ
cblr-14253	40	49	-	-	PUNCT
cblr-14253	40	50	policy	policy	NOUN
cblr-14253	40	51	advantages	advantage	NOUN
cblr-14253	40	52	of	of	ADP
cblr-14253	40	53	reducing	reduce	VERB
cblr-14253	40	54	barriers	barrier	NOUN
cblr-14253	40	55	to	to	ADP
cblr-14253	40	56	owning	own	VERB
cblr-14253	40	57	well	well	ADV
cblr-14253	40	58	-	-	PUNCT
cblr-14253	40	59	designed	design	VERB
cblr-14253	40	60	,	,	PUNCT
cblr-14253	40	61	affordable	affordable	ADJ
cblr-14253	40	62	homes	home	NOUN
cblr-14253	40	63	are	be	AUX
cblr-14253	40	64	“	"	PUNCT
cblr-14253	40	65	undeniable	undeniable	ADJ
cblr-14253	40	66	.	.	PUNCT
cblr-14253	40	67	”5	”5	ADJ
cblr-14253	40	68	consumers	consumer	NOUN
cblr-14253	40	69	need	need	VERB
cblr-14253	40	70	simple	simple	ADJ
cblr-14253	40	71	,	,	PUNCT
cblr-14253	40	72	affordable	affordable	ADJ
cblr-14253	40	73	pathways	pathway	NOUN
cblr-14253	40	74	into	into	ADP
cblr-14253	40	75	home	home	NOUN
cblr-14253	40	76	ownership	ownership	NOUN
cblr-14253	40	77	.	.	PUNCT
cblr-14253	41	1	yet	yet	ADV
cblr-14253	41	2	to	to	PART
cblr-14253	41	3	purchase	purchase	VERB
cblr-14253	41	4	a	a	DET
cblr-14253	41	5	home	home	NOUN
cblr-14253	41	6	today	today	NOUN
cblr-14253	41	7	,	,	PUNCT
cblr-14253	41	8	consumers	consumer	NOUN
cblr-14253	41	9	must	must	AUX
cblr-14253	41	10	navigate	navigate	VERB
cblr-14253	41	11	a	a	DET
cblr-14253	41	12	“	"	PUNCT
cblr-14253	41	13	confusing	confusing	ADJ
cblr-14253	41	14	obstacle	obstacle	NOUN
cblr-14253	41	15	course	course	NOUN
cblr-14253	41	16	”	"	PUNCT
cblr-14253	41	17	of	of	ADP
cblr-14253	41	18	local	local	ADJ
cblr-14253	41	19	practices	practice	NOUN
cblr-14253	41	20	,	,	PUNCT
cblr-14253	41	21	complicated	complicated	ADJ
cblr-14253	41	22	lending	lending	NOUN
cblr-14253	41	23	programs	program	NOUN
cblr-14253	41	24	,	,	PUNCT
cblr-14253	41	25	inexplicable	inexplicable	ADJ
cblr-14253	41	26	fees	fee	NOUN
cblr-14253	41	27	,	,	PUNCT
cblr-14253	41	28	and	and	CCONJ
cblr-14253	41	29	sometimes	sometimes	ADV
cblr-14253	41	30	archaic	archaic	ADJ
cblr-14253	41	31	land	land	NOUN
cblr-14253	41	32	-	-	PUNCT
cblr-14253	41	33	title	title	NOUN
cblr-14253	41	34	laws.6	laws.6	PROPN
cblr-14253	41	35	while	while	SCONJ
cblr-14253	41	36	local	local	ADJ
cblr-14253	41	37	real	real	ADJ
cblr-14253	41	38	-	-	PUNCT
cblr-14253	41	39	estate	estate	NOUN
cblr-14253	41	40	3	3	NUM
cblr-14253	41	41	adam	adam	PROPN
cblr-14253	41	42	j.	j.	PROPN
cblr-14253	41	43	levitin	levitin	PROPN
cblr-14253	41	44	&	&	CCONJ
cblr-14253	41	45	susan	susan	PROPN
cblr-14253	41	46	m.	m.	PROPN
cblr-14253	41	47	wachter	wachter	PROPN
cblr-14253	41	48	,	,	PUNCT
cblr-14253	41	49	the	the	DET
cblr-14253	41	50	great	great	ADJ
cblr-14253	41	51	american	american	ADJ
cblr-14253	41	52	housing	housing	NOUN
cblr-14253	41	53	bubble	bubble	NOUN
cblr-14253	41	54	:	:	PUNCT
cblr-14253	41	55	what	what	PRON
cblr-14253	41	56	went	go	VERB
cblr-14253	41	57	wrong	wrong	ADJ
cblr-14253	41	58	and	and	CCONJ
cblr-14253	41	59	how	how	SCONJ
cblr-14253	41	60	we	we	PRON
cblr-14253	41	61	can	can	AUX
cblr-14253	41	62	protect	protect	VERB
cblr-14253	41	63	ourselves	ourselves	PRON
cblr-14253	41	64	in	in	ADP
cblr-14253	41	65	the	the	DET
cblr-14253	41	66	future	future	ADJ
cblr-14253	41	67	4	4	NUM
cblr-14253	41	68	(	(	PUNCT
cblr-14253	41	69	2020	2020	NUM
cblr-14253	41	70	)	)	PUNCT
cblr-14253	41	71	.	.	PUNCT
cblr-14253	42	1	4	4	NUM
cblr-14253	42	2	i	i	PRON
cblr-14253	42	3	d.	d.	NOUN
cblr-14253	42	4	at	at	ADP
cblr-14253	42	5	10–11	10–11	NUM
cblr-14253	42	6	,	,	PUNCT
cblr-14253	42	7	14–15	14–15	NUM
cblr-14253	42	8	.	.	PUNCT
cblr-14253	43	1	see	see	VERB
cblr-14253	43	2	also	also	ADV
cblr-14253	43	3	jerry	jerry	PROPN
cblr-14253	43	4	anthony	anthony	PROPN
cblr-14253	43	5	,	,	PUNCT
cblr-14253	43	6	housing	housing	NOUN
cblr-14253	43	7	affordability	affordability	NOUN
cblr-14253	43	8	and	and	CCONJ
cblr-14253	43	9	economic	economic	ADJ
cblr-14253	43	10	growth	growth	NOUN
cblr-14253	43	11	,	,	PUNCT
cblr-14253	44	1	33	33	NUM
cblr-14253	44	2	hous	hous	ADJ
cblr-14253	44	3	.	.	PUNCT
cblr-14253	44	4	pol’y	pol’y	NOUN
cblr-14253	44	5	debate	debate	VERB
cblr-14253	44	6	1187	1187	NUM
cblr-14253	44	7	,	,	PUNCT
cblr-14253	44	8	1187	1187	NUM
cblr-14253	44	9	(	(	PUNCT
cblr-14253	44	10	2023	2023	NUM
cblr-14253	44	11	)	)	PUNCT
cblr-14253	44	12	(	(	PUNCT
cblr-14253	44	13	studying	study	VERB
cblr-14253	44	14	changes	change	NOUN
cblr-14253	44	15	in	in	ADP
cblr-14253	44	16	the	the	DET
cblr-14253	44	17	proportion	proportion	NOUN
cblr-14253	44	18	of	of	ADP
cblr-14253	44	19	cost	cost	NOUN
cblr-14253	44	20	-	-	PUNCT
cblr-14253	44	21	burdened	burden	VERB
cblr-14253	44	22	showing	show	VERB
cblr-14253	44	23	decreases	decrease	NOUN
cblr-14253	44	24	in	in	ADP
cblr-14253	44	25	housing	housing	NOUN
cblr-14253	44	26	affordability	affordability	NOUN
cblr-14253	44	27	had	have	VERB
cblr-14253	44	28	a	a	DET
cblr-14253	44	29	statistically	statistically	ADV
cblr-14253	44	30	significant	significant	ADJ
cblr-14253	44	31	negative	negative	ADJ
cblr-14253	44	32	effect	effect	NOUN
cblr-14253	44	33	on	on	ADP
cblr-14253	44	34	economic	economic	ADJ
cblr-14253	44	35	growth	growth	NOUN
cblr-14253	44	36	.	.	PUNCT
cblr-14253	44	37	)	)	PUNCT
cblr-14253	45	1	5	5	NUM
cblr-14253	45	2	william	william	PROPN
cblr-14253	45	3	m.	m.	PROPN
cblr-14253	45	4	rohe	rohe	PROPN
cblr-14253	45	5	&	&	CCONJ
cblr-14253	45	6	harry	harry	PROPN
cblr-14253	45	7	l.	l.	PROPN
cblr-14253	45	8	watson	watson	PROPN
cblr-14253	45	9	,	,	PUNCT
cblr-14253	45	10	homeownership	homeownership	NOUN
cblr-14253	45	11	in	in	ADP
cblr-14253	45	12	american	american	ADJ
cblr-14253	45	13	culture	culture	NOUN
cblr-14253	45	14	and	and	CCONJ
cblr-14253	45	15	at	at	ADP
cblr-14253	45	16	public	public	ADJ
cblr-14253	45	17	policy	policy	NOUN
cblr-14253	45	18	,	,	PUNCT
cblr-14253	45	19	in	in	ADP
cblr-14253	45	20	chasing	chase	VERB
cblr-14253	45	21	the	the	DET
cblr-14253	45	22	american	american	ADJ
cblr-14253	45	23	dream	dream	NOUN
cblr-14253	45	24	:	:	PUNCT
cblr-14253	45	25	new	new	ADJ
cblr-14253	45	26	perspectives	perspective	NOUN
cblr-14253	45	27	on	on	ADP
cblr-14253	45	28	affordable	affordable	ADJ
cblr-14253	45	29	homeownership	homeownership	NOUN
cblr-14253	45	30	1	1	NUM
cblr-14253	45	31	,	,	PUNCT
cblr-14253	45	32	11	11	NUM
cblr-14253	45	33	(	(	PUNCT
cblr-14253	45	34	william	william	PROPN
cblr-14253	45	35	m.	m.	PROPN
cblr-14253	45	36	rohe	rohe	PROPN
cblr-14253	45	37	&	&	CCONJ
cblr-14253	45	38	harry	harry	PROPN
cblr-14253	45	39	l.	l.	PROPN
cblr-14253	45	40	watson	watson	PROPN
cblr-14253	45	41	eds	eds	PROPN
cblr-14253	45	42	.	.	PROPN
cblr-14253	45	43	,	,	PUNCT
cblr-14253	45	44	2007	2007	NUM
cblr-14253	45	45	)	)	PUNCT
cblr-14253	45	46	.	.	PUNCT
cblr-14253	46	1	see	see	VERB
cblr-14253	46	2	also	also	ADV
cblr-14253	46	3	carolyn	carolyn	PROPN
cblr-14253	46	4	b.	b.	PROPN
cblr-14253	46	5	swope	swope	PROPN
cblr-14253	46	6	&	&	CCONJ
cblr-14253	46	7	diana	diana	PROPN
cblr-14253	46	8	hernández	hernández	PROPN
cblr-14253	46	9	,	,	PUNCT
cblr-14253	46	10	housing	housing	NOUN
cblr-14253	46	11	as	as	ADP
cblr-14253	46	12	a	a	DET
cblr-14253	46	13	determinant	determinant	NOUN
cblr-14253	46	14	of	of	ADP
cblr-14253	46	15	health	health	NOUN
cblr-14253	46	16	equity	equity	NOUN
cblr-14253	46	17	:	:	PUNCT
cblr-14253	46	18	a	a	DET
cblr-14253	46	19	conceptual	conceptual	ADJ
cblr-14253	46	20	model	model	NOUN
cblr-14253	46	21	,	,	PUNCT
cblr-14253	46	22	243	243	NUM
cblr-14253	46	23	soc	soc	NOUN
cblr-14253	46	24	.	.	PUNCT
cblr-14253	47	1	sci	sci	PROPN
cblr-14253	47	2	.	.	PROPN
cblr-14253	47	3	&	&	CCONJ
cblr-14253	47	4	med	med	PROPN
cblr-14253	47	5	.	.	PROPN
cblr-14253	47	6	112571	112571	NUM
cblr-14253	47	7	(	(	PUNCT
cblr-14253	47	8	2019	2019	NUM
cblr-14253	47	9	)	)	PUNCT
cblr-14253	47	10	(	(	PUNCT
cblr-14253	47	11	presenting	present	VERB
cblr-14253	47	12	evidence	evidence	NOUN
cblr-14253	47	13	that	that	SCONJ
cblr-14253	47	14	homeownership	homeownership	NOUN
cblr-14253	47	15	is	be	AUX
cblr-14253	47	16	a	a	DET
cblr-14253	47	17	prominent	prominent	ADJ
cblr-14253	47	18	determinant	determinant	NOUN
cblr-14253	47	19	of	of	ADP
cblr-14253	47	20	health	health	NOUN
cblr-14253	47	21	)	)	PUNCT
cblr-14253	47	22	;	;	PUNCT
cblr-14253	47	23	mark	mark	PROPN
cblr-14253	47	24	r.	r.	PROPN
cblr-14253	47	25	lindblad	lindblad	PROPN
cblr-14253	47	26	&	&	CCONJ
cblr-14253	47	27	roberto	roberto	PROPN
cblr-14253	47	28	g.	g.	PROPN
cblr-14253	47	29	quercia	quercia	PROPN
cblr-14253	47	30	,	,	PUNCT
cblr-14253	47	31	why	why	SCONJ
cblr-14253	47	32	is	be	AUX
cblr-14253	47	33	homeownership	homeownership	NOUN
cblr-14253	47	34	associated	associate	VERB
cblr-14253	47	35	with	with	ADP
cblr-14253	47	36	nonfinancial	nonfinancial	ADJ
cblr-14253	47	37	benefits	benefit	NOUN
cblr-14253	47	38	?	?	PUNCT
cblr-14253	48	1	a	a	DET
cblr-14253	48	2	path	path	NOUN
cblr-14253	48	3	analysis	analysis	NOUN
cblr-14253	48	4	of	of	ADP
cblr-14253	48	5	competing	compete	VERB
cblr-14253	48	6	mechanisms	mechanism	NOUN
cblr-14253	48	7	,	,	PUNCT
cblr-14253	49	1	25	25	NUM
cblr-14253	49	2	hous	hous	ADJ
cblr-14253	49	3	.	.	PUNCT
cblr-14253	49	4	pol’y	pol’y	NOUN
cblr-14253	49	5	debate	debate	VERB
cblr-14253	49	6	263	263	NUM
cblr-14253	49	7	,	,	PUNCT
cblr-14253	49	8	263	263	NUM
cblr-14253	49	9	(	(	PUNCT
cblr-14253	49	10	2015	2015	NUM
cblr-14253	49	11	)	)	PUNCT
cblr-14253	49	12	(	(	PUNCT
cblr-14253	49	13	“	"	PUNCT
cblr-14253	49	14	a	a	DET
cblr-14253	49	15	large	large	ADJ
cblr-14253	49	16	body	body	NOUN
cblr-14253	49	17	of	of	ADP
cblr-14253	49	18	research	research	NOUN
cblr-14253	49	19	links	link	NOUN
cblr-14253	49	20	homeownership	homeownership	NOUN
cblr-14253	49	21	to	to	ADP
cblr-14253	49	22	private	private	ADJ
cblr-14253	49	23	and	and	CCONJ
cblr-14253	49	24	social	social	ADJ
cblr-14253	49	25	benefits	benefit	NOUN
cblr-14253	49	26	;	;	PUNCT
cblr-14253	49	27	for	for	ADP
cblr-14253	49	28	example	example	NOUN
cblr-14253	49	29	,	,	PUNCT
cblr-14253	49	30	empirical	empirical	ADJ
cblr-14253	49	31	studies	study	NOUN
cblr-14253	49	32	associate	associate	VERB
cblr-14253	49	33	home	home	NOUN
cblr-14253	49	34	ownership	ownership	NOUN
cblr-14253	49	35	with	with	ADP
cblr-14253	49	36	residential	residential	ADJ
cblr-14253	49	37	satisfaction	satisfaction	NOUN
cblr-14253	49	38	,	,	PUNCT
cblr-14253	49	39	children	child	NOUN
cblr-14253	49	40	’s	’s	PART
cblr-14253	49	41	educational	educational	ADJ
cblr-14253	49	42	attainment	attainment	NOUN
cblr-14253	49	43	,	,	PUNCT
cblr-14253	49	44	mental	mental	ADJ
cblr-14253	49	45	and	and	CCONJ
cblr-14253	49	46	physical	physical	ADJ
cblr-14253	49	47	health	health	NOUN
cblr-14253	49	48	,	,	PUNCT
cblr-14253	49	49	civic	civic	ADJ
cblr-14253	49	50	engagement	engagement	NOUN
cblr-14253	49	51	,	,	PUNCT
cblr-14253	49	52	and	and	CCONJ
cblr-14253	49	53	social	social	ADJ
cblr-14253	49	54	involvement	involvement	NOUN
cblr-14253	49	55	”	"	PUNCT
cblr-14253	49	56	)	)	PUNCT
cblr-14253	49	57	.	.	PUNCT
cblr-14253	50	1	cf	cf	NOUN
cblr-14253	50	2	.	.	PUNCT
cblr-14253	51	1	rowan	rowan	PROPN
cblr-14253	51	2	arundel	arundel	PROPN
cblr-14253	51	3	&	&	CCONJ
cblr-14253	51	4	richard	richard	PROPN
cblr-14253	51	5	ronald	ronald	PROPN
cblr-14253	51	6	,	,	PUNCT
cblr-14253	51	7	the	the	DET
cblr-14253	51	8	false	false	ADJ
cblr-14253	51	9	promise	promise	NOUN
cblr-14253	51	10	of	of	ADP
cblr-14253	51	11	homeownership	homeownership	NOUN
cblr-14253	51	12	:	:	PUNCT
cblr-14253	51	13	homeowner	homeowner	NOUN
cblr-14253	51	14	societies	society	NOUN
cblr-14253	51	15	in	in	ADP
cblr-14253	51	16	an	an	DET
cblr-14253	51	17	era	era	NOUN
cblr-14253	51	18	of	of	ADP
cblr-14253	51	19	declining	decline	VERB
cblr-14253	51	20	access	access	NOUN
cblr-14253	51	21	and	and	CCONJ
cblr-14253	51	22	rising	rise	VERB
cblr-14253	51	23	inequality	inequality	NOUN
cblr-14253	51	24	,	,	PUNCT
cblr-14253	51	25	58	58	NUM
cblr-14253	51	26	urb	urb	NOUN
cblr-14253	51	27	.	.	PUNCT
cblr-14253	51	28	stud	stud	PROPN
cblr-14253	51	29	.	.	PUNCT
cblr-14253	52	1	1120	1120	NUM
cblr-14253	52	2	,	,	PUNCT
cblr-14253	52	3	1137	1137	NUM
cblr-14253	52	4	(	(	PUNCT
cblr-14253	52	5	2021	2021	NUM
cblr-14253	52	6	)	)	PUNCT
cblr-14253	52	7	(	(	PUNCT
cblr-14253	52	8	arguing	argue	VERB
cblr-14253	52	9	“	"	PUNCT
cblr-14253	52	10	purported	purport	VERB
cblr-14253	52	11	societal	societal	ADJ
cblr-14253	52	12	potential	potential	NOUN
cblr-14253	52	13	.	.	PUNCT
cblr-14253	52	14	.	.	PUNCT
cblr-14253	52	15	.	.	PUNCT
cblr-14253	53	1	homeownership	homeownership	NOUN
cblr-14253	53	2	.	.	PUNCT
cblr-14253	53	3	.	.	PUNCT
cblr-14253	53	4	.	.	PUNCT
cblr-14253	54	1	may	may	AUX
cblr-14253	54	2	be	be	AUX
cblr-14253	54	3	increasingly	increasingly	ADV
cblr-14253	54	4	recognised	recognise	VERB
cblr-14253	54	5	as	as	ADP
cblr-14253	54	6	a	a	DET
cblr-14253	54	7	‘	'	PUNCT
cblr-14253	54	8	false	false	ADJ
cblr-14253	54	9	promise	promise	NOUN
cblr-14253	54	10	’	'	PUNCT
cblr-14253	54	11	:	:	PUNCT
cblr-14253	54	12	one	one	NUM
cblr-14253	54	13	that	that	PRON
cblr-14253	54	14	has	have	AUX
cblr-14253	54	15	enabled	enable	VERB
cblr-14253	54	16	the	the	DET
cblr-14253	54	17	ongoing	ongoing	ADJ
cblr-14253	54	18	commodification	commodification	NOUN
cblr-14253	54	19	of	of	ADP
cblr-14253	54	20	housing	housing	NOUN
cblr-14253	54	21	,	,	PUNCT
cblr-14253	54	22	labour	labour	ADJ
cblr-14253	54	23	market	market	NOUN
cblr-14253	54	24	deregulation	deregulation	NOUN
cblr-14253	54	25	and	and	CCONJ
cblr-14253	54	26	retrenchment	retrenchment	NOUN
cblr-14253	54	27	of	of	ADP
cblr-14253	54	28	state	state	NOUN
cblr-14253	54	29	welfare	welfare	NOUN
cblr-14253	54	30	support	support	NOUN
cblr-14253	54	31	.	.	PUNCT
cblr-14253	54	32	”	"	PUNCT
cblr-14253	54	33	)	)	PUNCT
cblr-14253	54	34	.	.	PUNCT
cblr-14253	55	1	6	6	NUM
cblr-14253	55	2	chris	chris	PROPN
cblr-14253	55	3	wheat	wheat	PROPN
cblr-14253	55	4	&	&	CCONJ
cblr-14253	55	5	makada	makada	PROPN
cblr-14253	55	6	henry	henry	PROPN
cblr-14253	55	7	-	-	PUNCT
cblr-14253	55	8	nickie	nickie	PROPN
cblr-14253	55	9	,	,	PUNCT
cblr-14253	55	10	hidden	hide	VERB
cblr-14253	55	11	costs	cost	NOUN
cblr-14253	55	12	of	of	ADP
cblr-14253	55	13	homeownership	homeownership	NOUN
cblr-14253	55	14	:	:	PUNCT
cblr-14253	55	15	race	race	NOUN
cblr-14253	55	16	,	,	PUNCT
cblr-14253	55	17	income	income	NOUN
cblr-14253	55	18	,	,	PUNCT
cblr-14253	55	19	and	and	CCONJ
cblr-14253	55	20	lender	lender	NOUN
cblr-14253	55	21	differences	difference	NOUN
cblr-14253	55	22	in	in	ADP
cblr-14253	55	23	loan	loan	NOUN
cblr-14253	55	24	closing	closing	NOUN
cblr-14253	55	25	costs	cost	NOUN
cblr-14253	55	26	,	,	PUNCT
cblr-14253	55	27	jpmorgan	jpmorgan	PROPN
cblr-14253	55	28	chase	chase	PROPN
cblr-14253	55	29	inst	inst	PROPN
cblr-14253	55	30	.	.	PUNCT
cblr-14253	56	1	(	(	PUNCT
cblr-14253	56	2	apr	apr	PROPN
cblr-14253	56	3	.	.	PROPN
cblr-14253	56	4	22	22	NUM
cblr-14253	56	5	,	,	PUNCT
cblr-14253	56	6	2024	2024	NUM
cblr-14253	56	7	)	)	PUNCT
cblr-14253	56	8	,	,	PUNCT
cblr-14253	56	9	https://www.jpmorganchase.com/institute/all-topics/financial-health	https://www.jpmorganchase.com/institute/all-topics/financial-health	NOUN
cblr-14253	57	1	no	no	INTJ
cblr-14253	57	2	.	.	NOUN
cblr-14253	57	3	1	1	NUM
cblr-14253	57	4	]	]	PUNCT
cblr-14253	57	5	corrupt	corrupt	ADJ
cblr-14253	57	6	joint	joint	ADJ
cblr-14253	57	7	ventures	venture	NOUN
cblr-14253	57	8	395	395	NUM
cblr-14253	57	9	closing	closing	NOUN
cblr-14253	57	10	procedures	procedure	NOUN
cblr-14253	57	11	vary	vary	VERB
cblr-14253	57	12	,	,	PUNCT
cblr-14253	57	13	in	in	ADP
cblr-14253	57	14	the	the	DET
cblr-14253	57	15	american	american	ADJ
cblr-14253	57	16	housing	housing	NOUN
cblr-14253	57	17	market	market	NOUN
cblr-14253	57	18	,	,	PUNCT
cblr-14253	57	19	between	between	ADP
cblr-14253	57	20	“	"	PUNCT
cblr-14253	57	21	five	five	NUM
cblr-14253	57	22	to	to	PART
cblr-14253	57	23	18	18	NUM
cblr-14253	57	24	different	different	ADJ
cblr-14253	57	25	vendors	vendor	NOUN
cblr-14253	57	26	are	be	AUX
cblr-14253	57	27	involved	involve	VERB
cblr-14253	57	28	in	in	ADP
cblr-14253	57	29	the	the	DET
cblr-14253	57	30	typical	typical	ADJ
cblr-14253	57	31	real	real	ADJ
cblr-14253	57	32	estate	estate	NOUN
cblr-14253	57	33	transaction	transaction	NOUN
cblr-14253	57	34	.	.	PUNCT
cblr-14253	57	35	”7	”7	PUNCT
cblr-14253	58	1	this	this	DET
cblr-14253	58	2	labyrinth	labyrinth	ADJ
cblr-14253	58	3	forces	force	NOUN
cblr-14253	58	4	about	about	ADV
cblr-14253	58	5	90	90	NUM
cblr-14253	58	6	%	%	NOUN
cblr-14253	58	7	of	of	ADP
cblr-14253	58	8	consumers	consumer	NOUN
cblr-14253	58	9	to	to	PART
cblr-14253	58	10	rely	rely	VERB
cblr-14253	58	11	on	on	ADP
cblr-14253	58	12	real	real	ADJ
cblr-14253	58	13	-	-	PUNCT
cblr-14253	58	14	estate	estate	NOUN
cblr-14253	58	15	-	-	PUNCT
cblr-14253	58	16	industry	industry	NOUN
cblr-14253	58	17	insiders	insider	NOUN
cblr-14253	58	18	to	to	PART
cblr-14253	58	19	help	help	VERB
cblr-14253	58	20	them	they	PRON
cblr-14253	58	21	select	select	VERB
cblr-14253	58	22	the	the	DET
cblr-14253	58	23	right	right	ADJ
cblr-14253	58	24	businesses	business	NOUN
cblr-14253	58	25	and	and	CCONJ
cblr-14253	58	26	produce	produce	VERB
cblr-14253	58	27	the	the	DET
cblr-14253	58	28	necessary	necessary	ADJ
cblr-14253	58	29	documents	document	NOUN
cblr-14253	58	30	to	to	ADP
cblr-14253	58	31	close.8	close.8	PROPN
cblr-14253	58	32	and	and	CCONJ
cblr-14253	58	33	once	once	SCONJ
cblr-14253	58	34	they	they	PRON
cblr-14253	58	35	reach	reach	VERB
cblr-14253	58	36	closing	closing	NOUN
cblr-14253	58	37	,	,	PUNCT
cblr-14253	58	38	consumers	consumer	NOUN
cblr-14253	58	39	face	face	VERB
cblr-14253	58	40	a	a	DET
cblr-14253	58	41	litany	litany	NOUN
cblr-14253	58	42	of	of	ADP
cblr-14253	58	43	fees	fee	NOUN
cblr-14253	58	44	,	,	PUNCT
cblr-14253	58	45	charges	charge	NOUN
cblr-14253	58	46	,	,	PUNCT
cblr-14253	58	47	and	and	CCONJ
cblr-14253	58	48	premiums	premium	NOUN
cblr-14253	58	49	.	.	PUNCT
cblr-14253	59	1	the	the	DET
cblr-14253	59	2	oft	oft	ADV
cblr-14253	59	3	-	-	PUNCT
cblr-14253	59	4	used	use	VERB
cblr-14253	59	5	label	label	NOUN
cblr-14253	59	6	“	"	PUNCT
cblr-14253	59	7	junk	junk	NOUN
cblr-14253	59	8	fees	fee	NOUN
cblr-14253	59	9	”	"	PUNCT
cblr-14253	59	10	is	be	AUX
cblr-14253	59	11	perhaps	perhaps	ADV
cblr-14253	59	12	understandable	understandable	ADJ
cblr-14253	59	13	in	in	ADP
cblr-14253	59	14	the	the	DET
cblr-14253	59	15	context	context	NOUN
cblr-14253	59	16	of	of	ADP
cblr-14253	59	17	the	the	DET
cblr-14253	59	18	220	220	NUM
cblr-14253	59	19	different	different	ADJ
cblr-14253	59	20	types	type	NOUN
cblr-14253	59	21	of	of	ADP
cblr-14253	59	22	real	real	ADJ
cblr-14253	59	23	-	-	PUNCT
cblr-14253	59	24	estate	estate	NOUN
cblr-14253	59	25	-	-	PUNCT
cblr-14253	59	26	settlement	settlement	NOUN
cblr-14253	59	27	fees	fee	NOUN
cblr-14253	59	28	that	that	PRON
cblr-14253	59	29	are	be	AUX
cblr-14253	59	30	tracked	track	VERB
cblr-14253	59	31	in	in	ADP
cblr-14253	59	32	federal	federal	ADJ
cblr-14253	59	33	real	real	ADJ
cblr-14253	59	34	-	-	PUNCT
cblr-14253	59	35	estate	estate	NOUN
cblr-14253	59	36	-	-	PUNCT
cblr-14253	59	37	data	data	NOUN
cblr-14253	59	38	standards	standard	NOUN
cblr-14253	59	39	,	,	PUNCT
cblr-14253	59	40	of	of	ADP
cblr-14253	59	41	which	which	PRON
cblr-14253	59	42	71	71	NUM
cblr-14253	59	43	are	be	AUX
cblr-14253	59	44	associated	associate	VERB
cblr-14253	59	45	with	with	ADP
cblr-14253	59	46	loans	loan	NOUN
cblr-14253	59	47	and	and	CCONJ
cblr-14253	59	48	35	35	NUM
cblr-14253	59	49	with	with	ADP
cblr-14253	59	50	title	title	NOUN
cblr-14253	59	51	insurance.9	insurance.9	ADP
cblr-14253	59	52	although	although	SCONJ
cblr-14253	59	53	some	some	DET
cblr-14253	59	54	consumers	consumer	NOUN
cblr-14253	59	55	are	be	AUX
cblr-14253	59	56	satisfied	satisfied	ADJ
cblr-14253	59	57	with	with	ADP
cblr-14253	59	58	the	the	DET
cblr-14253	59	59	services	service	NOUN
cblr-14253	59	60	that	that	PRON
cblr-14253	59	61	they	they	PRON
cblr-14253	59	62	receive	receive	VERB
cblr-14253	59	63	in	in	ADP
cblr-14253	59	64	the	the	DET
cblr-14253	59	65	real	real	ADJ
cblr-14253	59	66	-	-	PUNCT
cblr-14253	59	67	estate	estate	NOUN
cblr-14253	59	68	market	market	NOUN
cblr-14253	59	69	,	,	PUNCT
cblr-14253	59	70	for	for	ADP
cblr-14253	59	71	most	most	ADJ
cblr-14253	59	72	,	,	PUNCT
cblr-14253	59	73	wealth	wealth	NOUN
cblr-14253	59	74	-	-	PUNCT
cblr-14253	59	75	creation	creation	NOUN
cblr-14253	59	76	/	/	SYM
cblr-14253	59	77	hidden	hide	VERB
cblr-14253	59	78	-	-	PUNCT
cblr-14253	59	79	costs	cost	NOUN
cblr-14253	59	80	-	-	PUNCT
cblr-14253	59	81	of	of	ADP
cblr-14253	59	82	-	-	PUNCT
cblr-14253	59	83	homeownership	homeownership	NOUN
cblr-14253	59	84	-	-	PUNCT
cblr-14253	59	85	race	race	NOUN
cblr-14253	59	86	-	-	PUNCT
cblr-14253	59	87	income	income	NOUN
cblr-14253	59	88	-	-	PUNCT
cblr-14253	59	89	and	and	CCONJ
cblr-14253	59	90	-	-	PUNCT
cblr-14253	59	91	lenderdifferences	lenderdifference	NOUN
cblr-14253	59	92	-	-	PUNCT
cblr-14253	59	93	in	in	ADP
cblr-14253	59	94	-	-	PUNCT
cblr-14253	59	95	loan	loan	NOUN
cblr-14253	59	96	-	-	PUNCT
cblr-14253	59	97	closing	closing	NOUN
cblr-14253	59	98	-	-	PUNCT
cblr-14253	59	99	costs	cost	NOUN
cblr-14253	59	100	[	[	X
cblr-14253	59	101	https://perma.cc/3ze5-sdbf	https://perma.cc/3ze5-sdbf	PROPN
cblr-14253	59	102	]	]	X
cblr-14253	59	103	.	.	PUNCT
cblr-14253	60	1	7	7	NUM
cblr-14253	60	2	lew	lew	PROPN
cblr-14253	60	3	sichelman	sichelman	NOUN
cblr-14253	60	4	,	,	PUNCT
cblr-14253	60	5	vendor	vendor	NOUN
cblr-14253	60	6	glut	glut	VERB
cblr-14253	60	7	drives	drive	VERB
cblr-14253	60	8	up	up	ADP
cblr-14253	60	9	fees	fee	NOUN
cblr-14253	60	10	,	,	PUNCT
cblr-14253	60	11	35	35	NUM
cblr-14253	60	12	nat’l	nat’l	NOUN
cblr-14253	60	13	mortg	mortg	NOUN
cblr-14253	60	14	.	.	PUNCT
cblr-14253	61	1	news	news	NOUN
cblr-14253	61	2	14	14	NUM
cblr-14253	61	3	(	(	PUNCT
cblr-14253	61	4	2011	2011	NUM
cblr-14253	61	5	)	)	PUNCT
cblr-14253	61	6	.	.	PUNCT
cblr-14253	62	1	8	8	NUM
cblr-14253	62	2	nat’l	nat’l	NOUN
cblr-14253	62	3	ass’n	ass’n	NOUN
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cblr-14253	62	5	realtors	realtor	NOUN
cblr-14253	62	6	,	,	PUNCT
cblr-14253	62	7	2022	2022	NUM
cblr-14253	62	8	profile	profile	NOUN
cblr-14253	62	9	of	of	ADP
cblr-14253	62	10	home	home	NOUN
cblr-14253	62	11	buyers	buyer	NOUN
cblr-14253	62	12	and	and	CCONJ
cblr-14253	62	13	sellers	seller	NOUN
cblr-14253	62	14	5	5	NUM
cblr-14253	62	15	,	,	PUNCT
cblr-14253	62	16	8	8	NUM
cblr-14253	62	17	(	(	PUNCT
cblr-14253	62	18	2022	2022	NUM
cblr-14253	62	19	)	)	PUNCT
cblr-14253	62	20	,	,	PUNCT
cblr-14253	62	21	https://www.gmar.com/data/resources_files/2022%20hbs%20final%20r	https://www.gmar.com/data/resources_files/2022%20hbs%20final%20r	PROPN
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cblr-14253	63	1	[	[	X
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cblr-14253	63	3	]	]	X
cblr-14253	63	4	(	(	PUNCT
cblr-14253	63	5	“	"	PUNCT
cblr-14253	63	6	ten	ten	NUM
cblr-14253	63	7	percent	percent	NOUN
cblr-14253	63	8	of	of	ADP
cblr-14253	63	9	recent	recent	ADJ
cblr-14253	63	10	home	home	NOUN
cblr-14253	63	11	sales	sale	NOUN
cblr-14253	63	12	[	[	X
cblr-14253	63	13	in	in	ADP
cblr-14253	63	14	2022	2022	NUM
cblr-14253	63	15	]	]	PUNCT
cblr-14253	63	16	were	be	AUX
cblr-14253	63	17	fsbo	fsbo	NOUN
cblr-14253	63	18	[	[	X
cblr-14253	63	19	for	for	ADP
cblr-14253	63	20	sale	sale	NOUN
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cblr-14253	63	24	”	"	PUNCT
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cblr-14253	63	26	.	.	PUNCT
cblr-14253	64	1	9	9	NUM
cblr-14253	64	2	nuno	nuno	PROPN
cblr-14253	64	3	mota	mota	PROPN
cblr-14253	64	4	&	&	CCONJ
cblr-14253	64	5	mark	mark	PROPN
cblr-14253	64	6	palim	palim	PROPN
cblr-14253	64	7	,	,	PUNCT
cblr-14253	64	8	fannie	fannie	PROPN
cblr-14253	64	9	mae	mae	PROPN
cblr-14253	64	10	,	,	PUNCT
cblr-14253	64	11	barriers	barrier	NOUN
cblr-14253	64	12	to	to	ADP
cblr-14253	64	13	entry	entry	NOUN
cblr-14253	64	14	:	:	PUNCT
cblr-14253	64	15	closing	closing	NOUN
cblr-14253	64	16	costs	cost	NOUN
cblr-14253	64	17	for	for	ADP
cblr-14253	64	18	first	first	ADJ
cblr-14253	64	19	–	–	PUNCT
cblr-14253	64	20	time	time	NOUN
cblr-14253	64	21	and	and	CCONJ
cblr-14253	64	22	low	low	ADJ
cblr-14253	64	23	–	–	PUNCT
cblr-14253	64	24	income	income	NOUN
cblr-14253	64	25	homebuyers	homebuyer	NOUN
cblr-14253	64	26	15	15	NUM
cblr-14253	64	27	(	(	PUNCT
cblr-14253	64	28	2021	2021	NUM
cblr-14253	64	29	)	)	PUNCT
cblr-14253	64	30	,	,	PUNCT
cblr-14253	64	31	https://www.fanniemae.com/media/42286/display	https://www.fanniemae.com/media/42286/display	NOUN
cblr-14253	65	1	[	[	X
cblr-14253	65	2	https://perma.cc/6nuj8yql	https://perma.cc/6nuj8yql	NOUN
cblr-14253	65	3	]	]	PUNCT
cblr-14253	65	4	.	.	PUNCT
cblr-14253	66	1	among	among	ADP
cblr-14253	66	2	the	the	DET
cblr-14253	66	3	hundreds	hundred	NOUN
cblr-14253	66	4	of	of	ADP
cblr-14253	66	5	real	real	ADJ
cblr-14253	66	6	estate	estate	NOUN
cblr-14253	66	7	settlement	settlement	NOUN
cblr-14253	66	8	fees	fee	NOUN
cblr-14253	66	9	tracked	track	VERB
cblr-14253	66	10	by	by	ADP
cblr-14253	66	11	federal	federal	ADJ
cblr-14253	66	12	data	datum	NOUN
cblr-14253	66	13	standards	standard	NOUN
cblr-14253	66	14	,	,	PUNCT
cblr-14253	66	15	thirty	thirty	NUM
cblr-14253	66	16	of	of	ADP
cblr-14253	66	17	the	the	DET
cblr-14253	66	18	most	most	ADV
cblr-14253	66	19	common	common	ADJ
cblr-14253	66	20	fees	fee	NOUN
cblr-14253	66	21	identified	identify	VERB
cblr-14253	66	22	in	in	ADP
cblr-14253	66	23	mota	mota	NOUN
cblr-14253	66	24	and	and	CCONJ
cblr-14253	66	25	palim	palim	NOUN
cblr-14253	66	26	’s	’s	PART
cblr-14253	66	27	survey	survey	NOUN
cblr-14253	66	28	include	include	VERB
cblr-14253	66	29	:	:	PUNCT
cblr-14253	66	30	credit	credit	NOUN
cblr-14253	66	31	monitoring	monitoring	NOUN
cblr-14253	66	32	fees	fee	NOUN
cblr-14253	66	33	,	,	PUNCT
cblr-14253	66	34	recording	recording	NOUN
cblr-14253	66	35	service	service	NOUN
cblr-14253	66	36	fees	fee	NOUN
cblr-14253	66	37	,	,	PUNCT
cblr-14253	66	38	hoa	hoa	NOUN
cblr-14253	66	39	working	working	ADJ
cblr-14253	66	40	capital	capital	NOUN
cblr-14253	66	41	lender	lender	NOUN
cblr-14253	66	42	fees	fee	NOUN
cblr-14253	66	43	,	,	PUNCT
cblr-14253	66	44	e	e	NOUN
cblr-14253	66	45	-	-	ADJ
cblr-14253	66	46	recording	recording	ADJ
cblr-14253	66	47	fees	fee	NOUN
cblr-14253	66	48	,	,	PUNCT
cblr-14253	66	49	condo	condo	NOUN
cblr-14253	66	50	questionnaire	questionnaire	NOUN
cblr-14253	66	51	fees	fee	NOUN
cblr-14253	66	52	,	,	PUNCT
cblr-14253	66	53	verification	verification	NOUN
cblr-14253	66	54	fees	fee	NOUN
cblr-14253	66	55	,	,	PUNCT
cblr-14253	66	56	technology	technology	NOUN
cblr-14253	66	57	platform	platform	NOUN
cblr-14253	66	58	service	service	NOUN
cblr-14253	66	59	fees	fee	NOUN
cblr-14253	66	60	,	,	PUNCT
cblr-14253	66	61	compliance	compliance	NOUN
cblr-14253	66	62	or	or	CCONJ
cblr-14253	66	63	administrative	administrative	ADJ
cblr-14253	66	64	fees	fee	NOUN
cblr-14253	66	65	,	,	PUNCT
cblr-14253	66	66	undisclosed	undisclosed	ADJ
cblr-14253	66	67	debt	debt	NOUN
cblr-14253	66	68	report	report	NOUN
cblr-14253	66	69	fees	fee	NOUN
cblr-14253	66	70	,	,	PUNCT
cblr-14253	66	71	chain	chain	NOUN
cblr-14253	66	72	of	of	ADP
cblr-14253	66	73	title	title	NOUN
cblr-14253	66	74	fees	fee	NOUN
cblr-14253	66	75	,	,	PUNCT
cblr-14253	66	76	builder	builder	NOUN
cblr-14253	66	77	fees	fee	NOUN
cblr-14253	66	78	,	,	PUNCT
cblr-14253	66	79	verification	verification	NOUN
cblr-14253	66	80	services	service	NOUN
cblr-14253	66	81	fees	fee	NOUN
cblr-14253	66	82	,	,	PUNCT
cblr-14253	66	83	guaranty	guaranty	NOUN
cblr-14253	66	84	fees	fee	NOUN
cblr-14253	66	85	,	,	PUNCT
cblr-14253	66	86	transaction	transaction	NOUN
cblr-14253	66	87	coordinator	coordinator	NOUN
cblr-14253	66	88	fees	fee	NOUN
cblr-14253	66	89	,	,	PUNCT
cblr-14253	66	90	borrower	borrower	NOUN
cblr-14253	66	91	identity	identity	NOUN
cblr-14253	66	92	validation	validation	NOUN
cblr-14253	66	93	fees	fee	NOUN
cblr-14253	66	94	,	,	PUNCT
cblr-14253	66	95	loan	loan	NOUN
cblr-14253	66	96	tie	tie	NOUN
cblr-14253	66	97	-	-	PUNCT
cblr-14253	66	98	in	in	ADP
cblr-14253	66	99	fees	fee	NOUN
cblr-14253	66	100	,	,	PUNCT
cblr-14253	66	101	invoice	invoice	NOUN
cblr-14253	66	102	fees	fee	NOUN
cblr-14253	66	103	,	,	PUNCT
cblr-14253	66	104	flood	flood	NOUN
cblr-14253	66	105	life	life	NOUN
cblr-14253	66	106	of	of	ADP
cblr-14253	66	107	loan	loan	NOUN
cblr-14253	66	108	coverage	coverage	NOUN
cblr-14253	66	109	fees	fee	NOUN
cblr-14253	66	110	,	,	PUNCT
cblr-14253	66	111	estoppel	estoppel	NOUN
cblr-14253	66	112	fees	fee	NOUN
cblr-14253	66	113	,	,	PUNCT
cblr-14253	66	114	hoa	hoa	NOUN
cblr-14253	66	115	proration	proration	NOUN
cblr-14253	66	116	of	of	ADP
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cblr-14253	66	118	,	,	PUNCT
cblr-14253	66	119	natural	natural	ADJ
cblr-14253	66	120	hazard	hazard	NOUN
cblr-14253	66	121	disclosure	disclosure	NOUN
cblr-14253	66	122	fees	fee	NOUN
cblr-14253	66	123	,	,	PUNCT
cblr-14253	66	124	municipal	municipal	ADJ
cblr-14253	66	125	lien	lien	NOUN
cblr-14253	66	126	search	search	NOUN
cblr-14253	66	127	fees	fee	NOUN
cblr-14253	66	128	,	,	PUNCT
cblr-14253	66	129	property	property	NOUN
cblr-14253	66	130	disclosure	disclosure	NOUN
cblr-14253	66	131	report	report	NOUN
cblr-14253	66	132	fees	fee	NOUN
cblr-14253	66	133	,	,	PUNCT
cblr-14253	66	134	mers	mer	NOUN
cblr-14253	66	135	fees	fee	NOUN
cblr-14253	66	136	,	,	PUNCT
cblr-14253	66	137	overnight	overnight	ADJ
cblr-14253	66	138	mail	mail	NOUN
cblr-14253	66	139	fees	fee	NOUN
cblr-14253	66	140	,	,	PUNCT
cblr-14253	66	141	voe	voe	PROPN
cblr-14253	66	142	fees	fee	NOUN
cblr-14253	66	143	,	,	PUNCT
cblr-14253	66	144	messenger	messenger	NOUN
cblr-14253	66	145	/	/	SYM
cblr-14253	66	146	carrier	carrier	NOUN
cblr-14253	66	147	fees	fee	NOUN
cblr-14253	66	148	,	,	PUNCT
cblr-14253	66	149	and	and	CCONJ
cblr-14253	66	150	move	move	NOUN
cblr-14253	66	151	-	-	PUNCT
cblr-14253	66	152	in	in	ADP
cblr-14253	66	153	fees	fee	NOUN
cblr-14253	66	154	.	.	PUNCT
cblr-14253	67	1	i	i	PRON
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cblr-14253	67	7	,	,	PUNCT
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cblr-14253	67	22	billions	billion	NOUN
cblr-14253	67	23	in	in	ADP
cblr-14253	67	24	junk	junk	NOUN
cblr-14253	67	25	fees	fee	NOUN
cblr-14253	67	26	(	(	PUNCT
cblr-14253	67	27	oct	oct	PROPN
cblr-14253	67	28	.	.	PROPN
cblr-14253	67	29	11	11	NUM
cblr-14253	67	30	,	,	PUNCT
cblr-14253	67	31	2023	2023	NUM
cblr-14253	67	32	)	)	PUNCT
cblr-14253	67	33	,	,	PUNCT
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cblr-14253	67	35	[	[	X
cblr-14253	67	36	https://perma.cc/w6l2-qp68	https://perma.cc/w6l2-qp68	X
cblr-14253	67	37	]	]	X
cblr-14253	67	38	.	.	PUNCT
cblr-14253	68	1	396	396	NUM
cblr-14253	68	2	columbia	columbia	PROPN
cblr-14253	68	3	business	business	NOUN
cblr-14253	68	4	law	law	PROPN
cblr-14253	68	5	review	review	NOUN
cblr-14253	68	6	[	[	X
cblr-14253	68	7	vol	vol	NOUN
cblr-14253	68	8	.	.	PUNCT
cblr-14253	68	9	2025	2025	NUM
cblr-14253	68	10	buying	buy	VERB
cblr-14253	68	11	a	a	DET
cblr-14253	68	12	home	home	NOUN
cblr-14253	68	13	is	be	AUX
cblr-14253	68	14	“	"	PUNCT
cblr-14253	68	15	a	a	DET
cblr-14253	68	16	complex	complex	ADJ
cblr-14253	68	17	and	and	CCONJ
cblr-14253	68	18	disappointing	disappointing	ADJ
cblr-14253	68	19	experience	experience	NOUN
cblr-14253	68	20	.	.	PUNCT
cblr-14253	69	1	”10	”10	NOUN
cblr-14253	69	2	a	a	DET
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cblr-14253	69	4	survey	survey	NOUN
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cblr-14253	69	7	households	household	NOUN
cblr-14253	69	8	with	with	ADP
cblr-14253	69	9	a	a	DET
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cblr-14253	69	11	-	-	PUNCT
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cblr-14253	69	13	income	income	NOUN
cblr-14253	69	14	cite	cite	VERB
cblr-14253	69	15	“	"	PUNCT
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cblr-14253	69	18	down	down	ADJ
cblr-14253	69	19	payment	payment	NOUN
cblr-14253	69	20	or	or	CCONJ
cblr-14253	69	21	closing	closing	NOUN
cblr-14253	69	22	costs	cost	NOUN
cblr-14253	69	23	”	"	PUNCT
cblr-14253	69	24	as	as	SCONJ
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cblr-14253	69	27	biggest	big	ADJ
cblr-14253	69	28	obstacle	obstacle	NOUN
cblr-14253	69	29	to	to	ADP
cblr-14253	69	30	purchasing	purchase	VERB
cblr-14253	69	31	a	a	DET
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cblr-14253	69	33	nearly	nearly	ADV
cblr-14253	69	34	15	15	NUM
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cblr-14253	69	38	-	-	PUNCT
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cblr-14253	69	40	homebuyers	homebuyer	NOUN
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cblr-14253	69	43	costs	cost	NOUN
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cblr-14253	69	45	exceeded	exceed	VERB
cblr-14253	69	46	the	the	DET
cblr-14253	69	47	amount	amount	NOUN
cblr-14253	69	48	of	of	ADP
cblr-14253	69	49	their	their	PRON
cblr-14253	69	50	down	down	ADJ
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cblr-14253	69	52	for	for	ADP
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cblr-14253	69	54	of	of	ADP
cblr-14253	69	55	americans	americans	PROPN
cblr-14253	69	56	,	,	PUNCT
cblr-14253	69	57	the	the	DET
cblr-14253	69	58	barriers	barrier	NOUN
cblr-14253	69	59	and	and	CCONJ
cblr-14253	69	60	costs	cost	NOUN
cblr-14253	69	61	of	of	ADP
cblr-14253	69	62	homeownership	homeownership	NOUN
cblr-14253	69	63	are	be	AUX
cblr-14253	69	64	virtually	virtually	ADV
cblr-14253	69	65	insurmountable.13	insurmountable.13	ADJ
cblr-14253	69	66	congress	congress	PROPN
cblr-14253	69	67	has	have	AUX
cblr-14253	69	68	long	long	ADV
cblr-14253	69	69	been	be	AUX
cblr-14253	69	70	aware	aware	ADJ
cblr-14253	69	71	of	of	ADP
cblr-14253	69	72	the	the	DET
cblr-14253	69	73	risk	risk	NOUN
cblr-14253	69	74	that	that	SCONJ
cblr-14253	69	75	real	real	ADJ
cblr-14253	69	76	-	-	PUNCT
cblr-14253	69	77	estatesettlement	estatesettlement	NOUN
cblr-14253	69	78	businesses	business	NOUN
cblr-14253	69	79	may	may	AUX
cblr-14253	69	80	exploit	exploit	VERB
cblr-14253	69	81	the	the	DET
cblr-14253	69	82	opacity	opacity	NOUN
cblr-14253	69	83	of	of	ADP
cblr-14253	69	84	buying	buy	VERB
cblr-14253	69	85	a	a	DET
cblr-14253	69	86	home	home	NOUN
cblr-14253	69	87	to	to	PART
cblr-14253	69	88	drive	drive	VERB
cblr-14253	69	89	up	up	ADP
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cblr-14253	69	91	.	.	PUNCT
cblr-14253	70	1	for	for	ADP
cblr-14253	70	2	example	example	NOUN
cblr-14253	70	3	,	,	PUNCT
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cblr-14253	70	5	findings	finding	NOUN
cblr-14253	70	6	of	of	ADP
cblr-14253	70	7	a	a	DET
cblr-14253	70	8	1972	1972	NUM
cblr-14253	70	9	interagency	interagency	NOUN
cblr-14253	70	10	report	report	NOUN
cblr-14253	70	11	to	to	ADP
cblr-14253	70	12	the	the	DET
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cblr-14253	70	14	banking	banking	PROPN
cblr-14253	70	15	committee	committee	NOUN
cblr-14253	70	16	remain	remain	VERB
cblr-14253	70	17	relevant	relevant	ADJ
cblr-14253	70	18	today	today	NOUN
cblr-14253	70	19	:	:	PUNCT
cblr-14253	70	20	competitive	competitive	ADJ
cblr-14253	70	21	forces	force	NOUN
cblr-14253	70	22	in	in	ADP
cblr-14253	70	23	the	the	DET
cblr-14253	70	24	conveyancing	conveyancing	NOUN
cblr-14253	70	25	industry	industry	NOUN
cblr-14253	70	26	manifest	manifest	VERB
cblr-14253	70	27	themselves	themselves	PRON
cblr-14253	70	28	in	in	ADP
cblr-14253	70	29	an	an	DET
cblr-14253	70	30	elaborate	elaborate	ADJ
cblr-14253	70	31	system	system	NOUN
cblr-14253	70	32	of	of	ADP
cblr-14253	70	33	referral	referral	ADJ
cblr-14253	70	34	fees	fee	NOUN
cblr-14253	70	35	,	,	PUNCT
cblr-14253	70	36	kickbacks	kickback	NOUN
cblr-14253	70	37	,	,	PUNCT
cblr-14253	70	38	rebates	rebate	NOUN
cblr-14253	70	39	,	,	PUNCT
cblr-14253	70	40	commissions	commission	NOUN
cblr-14253	70	41	and	and	CCONJ
cblr-14253	70	42	the	the	DET
cblr-14253	70	43	like	like	NOUN
cblr-14253	70	44	as	as	ADP
cblr-14253	70	45	inducements	inducement	NOUN
cblr-14253	70	46	to	to	ADP
cblr-14253	70	47	those	those	DET
cblr-14253	70	48	firms	firm	NOUN
cblr-14253	70	49	and	and	CCONJ
cblr-14253	70	50	individuals	individual	NOUN
cblr-14253	70	51	who	who	PRON
cblr-14253	70	52	direct	direct	VERB
cblr-14253	70	53	the	the	DET
cblr-14253	70	54	placement	placement	NOUN
cblr-14253	70	55	of	of	ADP
cblr-14253	70	56	business	business	NOUN
cblr-14253	70	57	.	.	PUNCT
cblr-14253	71	1	these	these	DET
cblr-14253	71	2	practices	practice	NOUN
cblr-14253	71	3	are	be	AUX
cblr-14253	71	4	widely	widely	ADV
cblr-14253	71	5	employed	employ	VERB
cblr-14253	71	6	,	,	PUNCT
cblr-14253	71	7	rarely	rarely	ADV
cblr-14253	71	8	inure	inure	NOUN
cblr-14253	71	9	to	to	ADP
cblr-14253	71	10	the	the	DET
cblr-14253	71	11	benefit	benefit	NOUN
cblr-14253	71	12	of	of	ADP
cblr-14253	71	13	the	the	DET
cblr-14253	71	14	home	home	NOUN
cblr-14253	71	15	buyer	buyer	NOUN
cblr-14253	71	16	,	,	PUNCT
cblr-14253	71	17	and	and	CCONJ
cblr-14253	71	18	generally	generally	ADV
cblr-14253	71	19	increase	increase	VERB
cblr-14253	71	20	the	the	DET
cblr-14253	71	21	total	total	ADJ
cblr-14253	71	22	settlement	settlement	NOUN
cblr-14253	71	23	costs.14	costs.14	PROPN
cblr-14253	71	24	if	if	SCONJ
cblr-14253	71	25	closing	closing	NOUN
cblr-14253	71	26	costs	cost	NOUN
cblr-14253	71	27	are	be	AUX
cblr-14253	71	28	an	an	DET
cblr-14253	71	29	obstacle	obstacle	NOUN
cblr-14253	71	30	to	to	ADP
cblr-14253	71	31	affordable	affordable	ADJ
cblr-14253	71	32	housing	housing	NOUN
cblr-14253	71	33	,	,	PUNCT
cblr-14253	71	34	and	and	CCONJ
cblr-14253	71	35	if	if	SCONJ
cblr-14253	71	36	congress	congress	PROPN
cblr-14253	71	37	has	have	AUX
cblr-14253	71	38	long	long	ADV
cblr-14253	71	39	been	be	AUX
cblr-14253	71	40	aware	aware	ADJ
cblr-14253	71	41	of	of	ADP
cblr-14253	71	42	the	the	DET
cblr-14253	71	43	problem	problem	NOUN
cblr-14253	71	44	,	,	PUNCT
cblr-14253	71	45	does	do	AUX
cblr-14253	71	46	current	current	ADJ
cblr-14253	71	47	law	law	NOUN
cblr-14253	71	48	provide	provide	VERB
cblr-14253	71	49	solutions	solution	NOUN
cblr-14253	71	50	for	for	ADP
cblr-14253	71	51	decreasing	decrease	VERB
cblr-14253	71	52	barriers	barrier	NOUN
cblr-14253	71	53	to	to	ADP
cblr-14253	71	54	affordable	affordable	ADJ
cblr-14253	71	55	housing	housing	NOUN
cblr-14253	71	56	?	?	PUNCT
cblr-14253	72	1	if	if	SCONJ
cblr-14253	72	2	not	not	PART
cblr-14253	72	3	,	,	PUNCT
cblr-14253	72	4	what	what	PRON
cblr-14253	72	5	can	can	AUX
cblr-14253	72	6	be	be	AUX
cblr-14253	72	7	done	do	VERB
cblr-14253	72	8	to	to	PART
cblr-14253	72	9	make	make	VERB
cblr-14253	72	10	settlement	settlement	NOUN
cblr-14253	72	11	costs	cost	NOUN
cblr-14253	72	12	more	more	ADV
cblr-14253	72	13	affordable	affordable	ADJ
cblr-14253	72	14	for	for	ADP
cblr-14253	72	15	struggling	struggle	VERB
cblr-14253	72	16	homebuyers	homebuyer	NOUN
cblr-14253	72	17	?	?	PUNCT
cblr-14253	73	1	because	because	SCONJ
cblr-14253	73	2	housing	housing	NOUN
cblr-14253	73	3	affordability	affordability	NOUN
cblr-14253	73	4	is	be	AUX
cblr-14253	73	5	a	a	DET
cblr-14253	73	6	complex	complex	ADJ
cblr-14253	73	7	problem	problem	NOUN
cblr-14253	73	8	with	with	ADP
cblr-14253	73	9	no	no	DET
cblr-14253	73	10	single	single	ADJ
cblr-14253	73	11	solution	solution	NOUN
cblr-14253	73	12	,	,	PUNCT
cblr-14253	73	13	a	a	DET
cblr-14253	73	14	complete	complete	ADJ
cblr-14253	73	15	discussion	discussion	NOUN
cblr-14253	73	16	of	of	ADP
cblr-14253	73	17	the	the	DET
cblr-14253	73	18	topic	topic	NOUN
cblr-14253	73	19	is	be	AUX
cblr-14253	73	20	beyond	beyond	ADP
cblr-14253	73	21	the	the	DET
cblr-14253	73	22	scope	scope	NOUN
cblr-14253	73	23	of	of	ADP
cblr-14253	73	24	this	this	DET
cblr-14253	73	25	article	article	NOUN
cblr-14253	73	26	.	.	PUNCT
cblr-14253	74	1	in	in	ADP
cblr-14253	74	2	this	this	DET
cblr-14253	74	3	piece	piece	NOUN
cblr-14253	74	4	,	,	PUNCT
cblr-14253	74	5	we	we	PRON
cblr-14253	74	6	focus	focus	VERB
cblr-14253	74	7	on	on	ADP
cblr-14253	74	8	one	one	NUM
cblr-14253	74	9	10	10	NUM
cblr-14253	74	10	sichelman	sichelman	ADJ
cblr-14253	74	11	,	,	PUNCT
cblr-14253	74	12	supra	supra	PROPN
cblr-14253	74	13	note	note	NOUN
cblr-14253	74	14	7	7	NUM
cblr-14253	74	15	,	,	PUNCT
cblr-14253	74	16	at	at	ADP
cblr-14253	74	17	14	14	NUM
cblr-14253	74	18	.	.	PUNCT
cblr-14253	74	19	11	11	NUM
cblr-14253	74	20	fannie	fannie	PROPN
cblr-14253	74	21	mae	mae	PROPN
cblr-14253	74	22	,	,	PUNCT
cblr-14253	74	23	consumers	consumer	NOUN
cblr-14253	74	24	continue	continue	VERB
cblr-14253	74	25	to	to	PART
cblr-14253	74	26	see	see	VERB
cblr-14253	74	27	homes	home	NOUN
cblr-14253	74	28	as	as	ADP
cblr-14253	74	29	a	a	DET
cblr-14253	74	30	safe	safe	ADJ
cblr-14253	74	31	,	,	PUNCT
cblr-14253	74	32	high	high	ADJ
cblr-14253	74	33	potential	potential	ADJ
cblr-14253	74	34	investment	investment	NOUN
cblr-14253	74	35	:	:	PUNCT
cblr-14253	74	36	national	national	ADJ
cblr-14253	74	37	housing	housing	PROPN
cblr-14253	74	38	survey	survey	NOUN
cblr-14253	74	39	q4	q4	PROPN
cblr-14253	74	40	2020	2020	NUM
cblr-14253	74	41	,	,	PUNCT
cblr-14253	74	42	at	at	ADP
cblr-14253	74	43	46	46	NUM
cblr-14253	74	44	(	(	PUNCT
cblr-14253	74	45	2021	2021	NUM
cblr-14253	74	46	)	)	PUNCT
cblr-14253	74	47	,	,	PUNCT
cblr-14253	74	48	https://www.fanniemae.com/media/38891/display	https://www.fanniemae.com/media/38891/display	X
cblr-14253	75	1	[	[	X
cblr-14253	75	2	https://perma.cc/p3te6gwl	https://perma.cc/p3te6gwl	PROPN
cblr-14253	75	3	]	]	X
cblr-14253	75	4	.	.	PUNCT
cblr-14253	76	1	12	12	NUM
cblr-14253	76	2	mota	mota	NOUN
cblr-14253	76	3	&	&	CCONJ
cblr-14253	76	4	palim	palim	PROPN
cblr-14253	76	5	,	,	PUNCT
cblr-14253	76	6	supra	supra	PROPN
cblr-14253	76	7	note	note	NOUN
cblr-14253	76	8	9	9	NUM
cblr-14253	76	9	,	,	PUNCT
cblr-14253	76	10	at	at	ADP
cblr-14253	76	11	2	2	NUM
cblr-14253	76	12	.	.	NOUN
cblr-14253	76	13	13	13	NUM
cblr-14253	76	14	alyssa	alyssa	NOUN
cblr-14253	76	15	fowers	fower	NOUN
cblr-14253	76	16	,	,	PUNCT
cblr-14253	76	17	millennials	millennial	NOUN
cblr-14253	76	18	shut	shut	VERB
cblr-14253	76	19	out	out	ADP
cblr-14253	76	20	of	of	ADP
cblr-14253	76	21	the	the	DET
cblr-14253	76	22	housing	housing	NOUN
cblr-14253	76	23	market	market	NOUN
cblr-14253	76	24	,	,	PUNCT
cblr-14253	76	25	again	again	ADV
cblr-14253	76	26	,	,	PUNCT
cblr-14253	76	27	wash	wash	NOUN
cblr-14253	76	28	.	.	PUNCT
cblr-14253	77	1	post	post	NOUN
cblr-14253	77	2	(	(	PUNCT
cblr-14253	77	3	nov	nov	PROPN
cblr-14253	77	4	.	.	PROPN
cblr-14253	77	5	30	30	NUM
cblr-14253	77	6	,	,	PUNCT
cblr-14253	77	7	2022	2022	NUM
cblr-14253	77	8	)	)	PUNCT
cblr-14253	77	9	(	(	PUNCT
cblr-14253	77	10	on	on	ADP
cblr-14253	77	11	file	file	NOUN
cblr-14253	77	12	with	with	ADP
cblr-14253	77	13	columbia	columbia	PROPN
cblr-14253	77	14	business	business	PROPN
cblr-14253	77	15	law	law	PROPN
cblr-14253	77	16	review	review	PROPN
cblr-14253	77	17	)	)	PUNCT
cblr-14253	77	18	.	.	PUNCT
cblr-14253	78	1	14	14	NUM
cblr-14253	78	2	dep’t	dep’t	NOUN
cblr-14253	78	3	of	of	ADP
cblr-14253	78	4	hous	hous	ADJ
cblr-14253	78	5	.	.	PUNCT
cblr-14253	78	6	&	&	CCONJ
cblr-14253	78	7	urb	urb	PROPN
cblr-14253	78	8	.	.	PUNCT
cblr-14253	79	1	dev	dev	PROPN
cblr-14253	79	2	.	.	PROPN
cblr-14253	79	3	&	&	CCONJ
cblr-14253	79	4	veteran	veteran	PROPN
cblr-14253	79	5	’s	’s	PART
cblr-14253	79	6	admin	admin	PROPN
cblr-14253	79	7	.	.	PROPN
cblr-14253	79	8	,	,	PUNCT
cblr-14253	79	9	92d	92d	NUM
cblr-14253	79	10	cong	cong	PROPN
cblr-14253	79	11	.	.	PROPN
cblr-14253	79	12	,	,	PUNCT
cblr-14253	79	13	2d	2d	NUM
cblr-14253	79	14	sess	sess	NOUN
cblr-14253	79	15	.	.	PUNCT
cblr-14253	79	16	,	,	PUNCT
cblr-14253	79	17	mortgage	mortgage	NOUN
cblr-14253	79	18	settlement	settlement	NOUN
cblr-14253	79	19	costs	cost	VERB
cblr-14253	79	20	3	3	NUM
cblr-14253	79	21	(	(	PUNCT
cblr-14253	79	22	comm	comm	NOUN
cblr-14253	79	23	.	.	PUNCT
cblr-14253	80	1	print	print	NOUN
cblr-14253	80	2	1972	1972	NUM
cblr-14253	80	3	)	)	PUNCT
cblr-14253	80	4	.	.	PUNCT
cblr-14253	81	1	no	no	INTJ
cblr-14253	81	2	.	.	NOUN
cblr-14253	82	1	1	1	NUM
cblr-14253	82	2	]	]	PUNCT
cblr-14253	82	3	corrupt	corrupt	ADJ
cblr-14253	82	4	joint	joint	ADJ
cblr-14253	82	5	ventures	venture	NOUN
cblr-14253	82	6	397	397	NUM
cblr-14253	82	7	contributor	contributor	NOUN
cblr-14253	82	8	to	to	ADP
cblr-14253	82	9	the	the	DET
cblr-14253	82	10	problem	problem	NOUN
cblr-14253	82	11	:	:	PUNCT
cblr-14253	82	12	real	real	ADJ
cblr-14253	82	13	-	-	PUNCT
cblr-14253	82	14	estate	estate	NOUN
cblr-14253	82	15	-	-	PUNCT
cblr-14253	82	16	settlement	settlement	NOUN
cblr-14253	82	17	vendors	vendor	NOUN
cblr-14253	82	18	who	who	PRON
cblr-14253	82	19	form	form	VERB
cblr-14253	82	20	jointly	jointly	ADV
cblr-14253	82	21	owned	own	VERB
cblr-14253	82	22	businesses	business	NOUN
cblr-14253	82	23	to	to	PART
cblr-14253	82	24	avoid	avoid	VERB
cblr-14253	82	25	competition	competition	NOUN
cblr-14253	82	26	and	and	CCONJ
cblr-14253	82	27	extract	extract	VERB
cblr-14253	82	28	higher	high	ADJ
cblr-14253	82	29	closing	closing	NOUN
cblr-14253	82	30	costs	cost	NOUN
cblr-14253	82	31	from	from	ADP
cblr-14253	82	32	consumers	consumer	NOUN
cblr-14253	82	33	.	.	PUNCT
cblr-14253	83	1	while	while	SCONJ
cblr-14253	83	2	these	these	DET
cblr-14253	83	3	joint	joint	ADJ
cblr-14253	83	4	ventures	venture	NOUN
cblr-14253	83	5	arise	arise	VERB
cblr-14253	83	6	in	in	ADP
cblr-14253	83	7	a	a	DET
cblr-14253	83	8	variety	variety	NOUN
cblr-14253	83	9	of	of	ADP
cblr-14253	83	10	ways	way	NOUN
cblr-14253	83	11	,	,	PUNCT
cblr-14253	83	12	most	most	ADV
cblr-14253	83	13	typically	typically	ADV
cblr-14253	83	14	they	they	PRON
cblr-14253	83	15	involve	involve	VERB
cblr-14253	83	16	real	real	ADJ
cblr-14253	83	17	-	-	PUNCT
cblr-14253	83	18	estate	estate	NOUN
cblr-14253	83	19	brokers	broker	NOUN
cblr-14253	83	20	or	or	CCONJ
cblr-14253	83	21	sales	sale	NOUN
cblr-14253	83	22	agents	agent	NOUN
cblr-14253	83	23	,	,	PUNCT
cblr-14253	83	24	on	on	ADP
cblr-14253	83	25	the	the	DET
cblr-14253	83	26	one	one	NUM
cblr-14253	83	27	hand	hand	NOUN
cblr-14253	83	28	,	,	PUNCT
cblr-14253	83	29	and	and	CCONJ
cblr-14253	83	30	mortgage	mortgage	NOUN
cblr-14253	83	31	brokers	broker	NOUN
cblr-14253	83	32	or	or	CCONJ
cblr-14253	83	33	title	title	NOUN
cblr-14253	83	34	-	-	PUNCT
cblr-14253	83	35	insurance	insurance	NOUN
cblr-14253	83	36	companies	company	NOUN
cblr-14253	83	37	,	,	PUNCT
cblr-14253	83	38	on	on	ADP
cblr-14253	83	39	the	the	DET
cblr-14253	83	40	other	other	ADJ
cblr-14253	83	41	.	.	PUNCT
cblr-14253	84	1	recent	recent	ADJ
cblr-14253	84	2	years	year	NOUN
cblr-14253	84	3	have	have	AUX
cblr-14253	84	4	seen	see	VERB
cblr-14253	84	5	a	a	DET
cblr-14253	84	6	proliferation	proliferation	NOUN
cblr-14253	84	7	of	of	ADP
cblr-14253	84	8	real	real	ADJ
cblr-14253	84	9	-	-	PUNCT
cblr-14253	84	10	estate	estate	NOUN
cblr-14253	84	11	agents	agent	NOUN
cblr-14253	84	12	who	who	PRON
cblr-14253	84	13	take	take	VERB
cblr-14253	84	14	sizable	sizable	ADJ
cblr-14253	84	15	ownership	ownership	NOUN
cblr-14253	84	16	shares	share	NOUN
cblr-14253	84	17	in	in	ADP
cblr-14253	84	18	joint	joint	ADJ
cblr-14253	84	19	ventures	venture	NOUN
cblr-14253	84	20	without	without	ADP
cblr-14253	84	21	contributing	contribute	VERB
cblr-14253	84	22	meaningful	meaningful	ADJ
cblr-14253	84	23	capital	capital	NOUN
cblr-14253	84	24	of	of	ADP
cblr-14253	84	25	their	their	PRON
cblr-14253	84	26	own	own	ADJ
cblr-14253	84	27	.	.	PUNCT
cblr-14253	85	1	mortgage	mortgage	NOUN
cblr-14253	85	2	brokers	broker	NOUN
cblr-14253	85	3	and	and	CCONJ
cblr-14253	85	4	title	title	NOUN
cblr-14253	85	5	companies	company	NOUN
cblr-14253	85	6	have	have	VERB
cblr-14253	85	7	strong	strong	ADJ
cblr-14253	85	8	incentives	incentive	NOUN
cblr-14253	85	9	to	to	PART
cblr-14253	85	10	arrange	arrange	VERB
cblr-14253	85	11	joint	joint	ADJ
cblr-14253	85	12	ventures	venture	NOUN
cblr-14253	85	13	as	as	ADP
cblr-14253	85	14	a	a	DET
cblr-14253	85	15	means	means	NOUN
cblr-14253	85	16	of	of	ADP
cblr-14253	85	17	rewarding	reward	VERB
cblr-14253	85	18	real	real	ADJ
cblr-14253	85	19	-	-	PUNCT
cblr-14253	85	20	estate	estate	NOUN
cblr-14253	85	21	agents	agent	NOUN
cblr-14253	85	22	for	for	ADP
cblr-14253	85	23	referrals	referral	NOUN
cblr-14253	85	24	.	.	PUNCT
cblr-14253	86	1	real	real	ADJ
cblr-14253	86	2	-	-	PUNCT
cblr-14253	86	3	estate	estate	NOUN
cblr-14253	86	4	brokers	broker	NOUN
cblr-14253	86	5	and	and	CCONJ
cblr-14253	86	6	sales	sale	NOUN
cblr-14253	86	7	agents	agent	NOUN
cblr-14253	86	8	enter	enter	VERB
cblr-14253	86	9	joint	joint	ADJ
cblr-14253	86	10	ventures	venture	NOUN
cblr-14253	86	11	as	as	ADP
cblr-14253	86	12	a	a	DET
cblr-14253	86	13	way	way	NOUN
cblr-14253	86	14	to	to	PART
cblr-14253	86	15	share	share	VERB
cblr-14253	86	16	in	in	ADP
cblr-14253	86	17	the	the	DET
cblr-14253	86	18	profits	profit	NOUN
cblr-14253	86	19	generated	generate	VERB
cblr-14253	86	20	from	from	ADP
cblr-14253	86	21	the	the	DET
cblr-14253	86	22	mortgage	mortgage	NOUN
cblr-14253	86	23	and	and	CCONJ
cblr-14253	86	24	title	title	NOUN
cblr-14253	86	25	services	service	NOUN
cblr-14253	86	26	provided	provide	VERB
cblr-14253	86	27	to	to	ADP
cblr-14253	86	28	the	the	DET
cblr-14253	86	29	brokers	broker	NOUN
cblr-14253	86	30	’	'	PUNCT
cblr-14253	86	31	and	and	CCONJ
cblr-14253	86	32	agents	agent	NOUN
cblr-14253	86	33	’	'	PUNCT
cblr-14253	86	34	clients	client	NOUN
cblr-14253	86	35	—	—	PUNCT
cblr-14253	86	36	homebuyers	homebuyer	NOUN
cblr-14253	86	37	and	and	CCONJ
cblr-14253	86	38	home	home	NOUN
cblr-14253	86	39	sellers	seller	NOUN
cblr-14253	86	40	.	.	PUNCT
cblr-14253	87	1	these	these	DET
cblr-14253	87	2	joint	joint	ADJ
cblr-14253	87	3	ventures	venture	NOUN
cblr-14253	87	4	may	may	AUX
cblr-14253	87	5	severely	severely	ADV
cblr-14253	87	6	mute	mute	ADJ
cblr-14253	87	7	vendors	vendor	NOUN
cblr-14253	87	8	’	'	PUNCT
cblr-14253	87	9	incentive	incentive	NOUN
cblr-14253	87	10	to	to	PART
cblr-14253	87	11	compete	compete	VERB
cblr-14253	87	12	through	through	ADP
cblr-14253	87	13	offering	offer	VERB
cblr-14253	87	14	consumers	consumer	NOUN
cblr-14253	87	15	lower	low	ADJ
cblr-14253	87	16	prices	price	NOUN
cblr-14253	87	17	,	,	PUNCT
cblr-14253	87	18	because	because	SCONJ
cblr-14253	87	19	the	the	DET
cblr-14253	87	20	partnering	partner	VERB
cblr-14253	87	21	real	real	ADJ
cblr-14253	87	22	-	-	PUNCT
cblr-14253	87	23	estate	estate	NOUN
cblr-14253	87	24	agents	agent	NOUN
cblr-14253	87	25	can	can	AUX
cblr-14253	87	26	earn	earn	VERB
cblr-14253	87	27	significant	significant	ADJ
cblr-14253	87	28	profits	profit	NOUN
cblr-14253	87	29	beyond	beyond	ADP
cblr-14253	87	30	their	their	PRON
cblr-14253	87	31	real	real	ADJ
cblr-14253	87	32	-	-	PUNCT
cblr-14253	87	33	estate	estate	NOUN
cblr-14253	87	34	commissions	commission	NOUN
cblr-14253	87	35	by	by	ADP
cblr-14253	87	36	steering	steer	VERB
cblr-14253	87	37	homebuyers	homebuyer	NOUN
cblr-14253	87	38	into	into	ADP
cblr-14253	87	39	a	a	DET
cblr-14253	87	40	co	co	ADJ
cblr-14253	87	41	-	-	ADJ
cblr-14253	87	42	owned	own	VERB
cblr-14253	87	43	joint	joint	ADJ
cblr-14253	87	44	venture.15	venture.15	NOUN
cblr-14253	87	45	congress	congress	PROPN
cblr-14253	87	46	has	have	AUX
cblr-14253	87	47	passed	pass	VERB
cblr-14253	87	48	several	several	ADJ
cblr-14253	87	49	laws	law	NOUN
cblr-14253	87	50	that	that	PRON
cblr-14253	87	51	attempt	attempt	VERB
cblr-14253	87	52	to	to	PART
cblr-14253	87	53	curb	curb	VERB
cblr-14253	87	54	settlement	settlement	NOUN
cblr-14253	87	55	costs	cost	NOUN
cblr-14253	87	56	and	and	CCONJ
cblr-14253	87	57	avoid	avoid	VERB
cblr-14253	87	58	abusive	abusive	ADJ
cblr-14253	87	59	practices	practice	NOUN
cblr-14253	87	60	in	in	ADP
cblr-14253	87	61	residentialreal	residentialreal	NOUN
cblr-14253	87	62	-	-	PUNCT
cblr-14253	87	63	estate	estate	NOUN
cblr-14253	87	64	transactions.16	transactions.16	PROPN
cblr-14253	87	65	this	this	DET
cblr-14253	87	66	article	article	NOUN
cblr-14253	87	67	focuses	focus	VERB
cblr-14253	87	68	on	on	ADP
cblr-14253	87	69	two	two	NUM
cblr-14253	87	70	such	such	ADJ
cblr-14253	87	71	15	15	NUM
cblr-14253	87	72	nelson	nelson	PROPN
cblr-14253	87	73	r.	r.	PROPN
cblr-14253	87	74	lipshutz	lipshutz	PROPN
cblr-14253	87	75	,	,	PUNCT
cblr-14253	87	76	the	the	DET
cblr-14253	87	77	regulatory	regulatory	ADJ
cblr-14253	87	78	economics	economic	NOUN
cblr-14253	87	79	of	of	ADP
cblr-14253	87	80	title	title	NOUN
cblr-14253	87	81	insurance	insurance	NOUN
cblr-14253	87	82	67	67	NUM
cblr-14253	87	83	(	(	PUNCT
cblr-14253	87	84	1994	1994	NUM
cblr-14253	87	85	)	)	PUNCT
cblr-14253	87	86	.	.	PUNCT
cblr-14253	88	1	industry	industry	NOUN
cblr-14253	88	2	participants	participant	NOUN
cblr-14253	88	3	who	who	PRON
cblr-14253	88	4	own	own	VERB
cblr-14253	88	5	affiliated	affiliate	VERB
cblr-14253	88	6	-	-	PUNCT
cblr-14253	88	7	business	business	NOUN
cblr-14253	88	8	arrangements	arrangement	NOUN
cblr-14253	88	9	have	have	AUX
cblr-14253	88	10	,	,	PUNCT
cblr-14253	88	11	at	at	ADP
cblr-14253	88	12	times	time	NOUN
cblr-14253	88	13	,	,	PUNCT
cblr-14253	88	14	contested	contest	VERB
cblr-14253	88	15	whether	whether	SCONJ
cblr-14253	88	16	these	these	DET
cblr-14253	88	17	businesses	business	NOUN
cblr-14253	88	18	increase	increase	VERB
cblr-14253	88	19	closing	closing	NOUN
cblr-14253	88	20	costs	cost	NOUN
cblr-14253	88	21	.	.	PUNCT
cblr-14253	89	1	for	for	ADP
cblr-14253	89	2	example	example	NOUN
cblr-14253	89	3	,	,	PUNCT
cblr-14253	89	4	in	in	ADP
cblr-14253	89	5	2006	2006	NUM
cblr-14253	89	6	respro	respro	NOUN
cblr-14253	89	7	,	,	PUNCT
cblr-14253	89	8	a	a	DET
cblr-14253	89	9	real	real	ADJ
cblr-14253	89	10	-	-	PUNCT
cblr-14253	89	11	estate	estate	NOUN
cblr-14253	89	12	-	-	PUNCT
cblr-14253	89	13	industry	industry	NOUN
cblr-14253	89	14	trade	trade	NOUN
cblr-14253	89	15	association	association	NOUN
cblr-14253	89	16	,	,	PUNCT
cblr-14253	89	17	commissioned	commission	VERB
cblr-14253	89	18	a	a	DET
cblr-14253	89	19	report	report	NOUN
cblr-14253	89	20	that	that	PRON
cblr-14253	89	21	concludes	conclude	VERB
cblr-14253	89	22	some	some	DET
cblr-14253	89	23	title	title	NOUN
cblr-14253	89	24	insurance	insurance	NOUN
cblr-14253	89	25	related	relate	VERB
cblr-14253	89	26	real	real	ADJ
cblr-14253	89	27	-	-	PUNCT
cblr-14253	89	28	estate	estate	NOUN
cblr-14253	89	29	closing	closing	NOUN
cblr-14253	89	30	costs	cost	NOUN
cblr-14253	89	31	are	be	AUX
cblr-14253	89	32	not	not	PART
cblr-14253	89	33	higher	high	ADJ
cblr-14253	89	34	to	to	ADP
cblr-14253	89	35	a	a	DET
cblr-14253	89	36	statistically	statistically	ADV
cblr-14253	89	37	significant	significant	ADJ
cblr-14253	89	38	level	level	NOUN
cblr-14253	89	39	when	when	SCONJ
cblr-14253	89	40	conducted	conduct	VERB
cblr-14253	89	41	by	by	ADP
cblr-14253	89	42	affiliated	affiliate	VERB
cblr-14253	89	43	-	-	PUNCT
cblr-14253	89	44	business	business	NOUN
cblr-14253	89	45	arrangements	arrangement	NOUN
cblr-14253	89	46	.	.	PUNCT
cblr-14253	90	1	see	see	VERB
cblr-14253	90	2	donald	donald	PROPN
cblr-14253	90	3	l.	l.	PROPN
cblr-14253	90	4	martin	martin	PROPN
cblr-14253	90	5	&	&	CCONJ
cblr-14253	90	6	richard	richard	PROPN
cblr-14253	90	7	e.	e.	PROPN
cblr-14253	90	8	ludwick	ludwick	PROPN
cblr-14253	90	9	,	,	PUNCT
cblr-14253	90	10	jr	jr	PROPN
cblr-14253	90	11	.	.	PROPN
cblr-14253	90	12	,	,	PUNCT
cblr-14253	90	13	affiliated	affiliate	VERB
cblr-14253	90	14	business	business	NOUN
cblr-14253	90	15	arrangements	arrangement	NOUN
cblr-14253	90	16	and	and	CCONJ
cblr-14253	90	17	their	their	PRON
cblr-14253	90	18	effects	effect	NOUN
cblr-14253	90	19	on	on	ADP
cblr-14253	90	20	residential	residential	ADJ
cblr-14253	90	21	real	real	ADJ
cblr-14253	90	22	estate	estate	NOUN
cblr-14253	90	23	settlement	settlement	NOUN
cblr-14253	90	24	costs	cost	NOUN
cblr-14253	90	25	:	:	PUNCT
cblr-14253	90	26	an	an	DET
cblr-14253	90	27	economic	economic	ADJ
cblr-14253	90	28	analysis	analysis	NOUN
cblr-14253	90	29	,	,	PUNCT
cblr-14253	90	30	october	october	PROPN
cblr-14253	90	31	10	10	NUM
cblr-14253	90	32	,	,	PUNCT
cblr-14253	90	33	2006	2006	NUM
cblr-14253	90	34	(	(	PUNCT
cblr-14253	90	35	unpublished	unpublished	ADJ
cblr-14253	90	36	manuscript	manuscript	NOUN
cblr-14253	90	37	on	on	ADP
cblr-14253	90	38	file	file	NOUN
cblr-14253	90	39	with	with	ADP
cblr-14253	90	40	the	the	DET
cblr-14253	90	41	columbia	columbia	PROPN
cblr-14253	90	42	business	business	PROPN
cblr-14253	90	43	law	law	PROPN
cblr-14253	90	44	review	review	PROPN
cblr-14253	90	45	)	)	PUNCT
cblr-14253	90	46	.	.	PUNCT
cblr-14253	91	1	but	but	CCONJ
cblr-14253	91	2	this	this	DET
cblr-14253	91	3	study	study	NOUN
cblr-14253	91	4	was	be	AUX
cblr-14253	91	5	not	not	PART
cblr-14253	91	6	published	publish	VERB
cblr-14253	91	7	,	,	PUNCT
cblr-14253	91	8	was	be	AUX
cblr-14253	91	9	not	not	PART
cblr-14253	91	10	subjected	subject	VERB
cblr-14253	91	11	to	to	ADP
cblr-14253	91	12	peer	peer	NOUN
cblr-14253	91	13	review	review	NOUN
cblr-14253	91	14	,	,	PUNCT
cblr-14253	91	15	predates	predate	VERB
cblr-14253	91	16	the	the	DET
cblr-14253	91	17	2008	2008	NUM
cblr-14253	91	18	financial	financial	ADJ
cblr-14253	91	19	crisis	crisis	NOUN
cblr-14253	91	20	and	and	CCONJ
cblr-14253	91	21	the	the	DET
cblr-14253	91	22	tila	tila	PROPN
cblr-14253	91	23	/	/	SYM
cblr-14253	91	24	respa	respa	PROPN
cblr-14253	91	25	integrated	integrate	VERB
cblr-14253	91	26	-	-	PUNCT
cblr-14253	91	27	disclosure	disclosure	NOUN
cblr-14253	91	28	reforms	reform	NOUN
cblr-14253	91	29	,	,	PUNCT
cblr-14253	91	30	and	and	CCONJ
cblr-14253	91	31	only	only	ADV
cblr-14253	91	32	studied	study	VERB
cblr-14253	91	33	settlement	settlement	NOUN
cblr-14253	91	34	documents	document	NOUN
cblr-14253	91	35	supplied	supply	VERB
cblr-14253	91	36	by	by	ADP
cblr-14253	91	37	the	the	DET
cblr-14253	91	38	trade	trade	PROPN
cblr-14253	91	39	association	association	PROPN
cblr-14253	91	40	’s	’s	PART
cblr-14253	91	41	members	member	NOUN
cblr-14253	91	42	.	.	PUNCT
cblr-14253	92	1	the	the	DET
cblr-14253	92	2	report	report	NOUN
cblr-14253	92	3	also	also	ADV
cblr-14253	92	4	did	do	AUX
cblr-14253	92	5	not	not	PART
cblr-14253	92	6	attempt	attempt	VERB
cblr-14253	92	7	to	to	PART
cblr-14253	92	8	control	control	VERB
cblr-14253	92	9	for	for	ADP
cblr-14253	92	10	whether	whether	SCONJ
cblr-14253	92	11	the	the	DET
cblr-14253	92	12	studied	study	VERB
cblr-14253	92	13	affiliated	affiliate	VERB
cblr-14253	92	14	-	-	PUNCT
cblr-14253	92	15	business	business	NOUN
cblr-14253	92	16	arrangements	arrangement	NOUN
cblr-14253	92	17	were	be	AUX
cblr-14253	92	18	created	create	VERB
cblr-14253	92	19	through	through	ADP
cblr-14253	92	20	a	a	DET
cblr-14253	92	21	discounted	discount	VERB
cblr-14253	92	22	price	price	NOUN
cblr-14253	92	23	on	on	ADP
cblr-14253	92	24	equity	equity	NOUN
cblr-14253	92	25	shares	share	NOUN
cblr-14253	92	26	.	.	PUNCT
cblr-14253	93	1	16	16	NUM
cblr-14253	93	2	key	key	ADJ
cblr-14253	93	3	federal	federal	ADJ
cblr-14253	93	4	laws	law	NOUN
cblr-14253	93	5	and	and	CCONJ
cblr-14253	93	6	regulations	regulation	NOUN
cblr-14253	93	7	affecting	affect	VERB
cblr-14253	93	8	residential	residential	ADJ
cblr-14253	93	9	real	real	ADJ
cblr-14253	93	10	-	-	PUNCT
cblr-14253	93	11	estate	estate	NOUN
cblr-14253	93	12	transactions	transaction	NOUN
cblr-14253	93	13	include	include	VERB
cblr-14253	93	14	the	the	DET
cblr-14253	93	15	home	home	NOUN
cblr-14253	93	16	ownership	ownership	NOUN
cblr-14253	93	17	and	and	CCONJ
cblr-14253	93	18	equity	equity	NOUN
cblr-14253	93	19	protection	protection	PROPN
cblr-14253	93	20	act	act	PROPN
cblr-14253	93	21	,	,	PUNCT
cblr-14253	93	22	pub	pub	NOUN
cblr-14253	93	23	.	.	PUNCT
cblr-14253	94	1	398	398	NUM
cblr-14253	94	2	columbia	columbia	PROPN
cblr-14253	94	3	business	business	NOUN
cblr-14253	94	4	law	law	PROPN
cblr-14253	94	5	review	review	NOUN
cblr-14253	94	6	[	[	X
cblr-14253	94	7	vol	vol	NOUN
cblr-14253	94	8	.	.	PUNCT
cblr-14253	94	9	2025	2025	NUM
cblr-14253	94	10	statues	statue	NOUN
cblr-14253	94	11	.	.	PUNCT
cblr-14253	95	1	first	first	ADV
cblr-14253	95	2	,	,	PUNCT
cblr-14253	95	3	in	in	ADP
cblr-14253	95	4	1974	1974	NUM
cblr-14253	95	5	,	,	PUNCT
cblr-14253	95	6	congress	congress	PROPN
cblr-14253	95	7	adopted	adopt	VERB
cblr-14253	95	8	the	the	DET
cblr-14253	95	9	real	real	ADJ
cblr-14253	95	10	estate	estate	NOUN
cblr-14253	95	11	settlement	settlement	NOUN
cblr-14253	95	12	procedures	procedure	NOUN
cblr-14253	95	13	act.17	act.17	NOUN
cblr-14253	95	14	among	among	ADP
cblr-14253	95	15	other	other	ADJ
cblr-14253	95	16	provisions	provision	NOUN
cblr-14253	95	17	,	,	PUNCT
cblr-14253	95	18	respa	respa	PROPN
cblr-14253	95	19	prohibited	prohibit	VERB
cblr-14253	95	20	referral	referral	ADJ
cblr-14253	95	21	payments	payment	NOUN
cblr-14253	95	22	,	,	PUNCT
cblr-14253	95	23	or	or	CCONJ
cblr-14253	95	24	“	"	PUNCT
cblr-14253	95	25	kickbacks	kickback	NOUN
cblr-14253	95	26	,	,	PUNCT
cblr-14253	95	27	”	"	PUNCT
cblr-14253	95	28	between	between	ADP
cblr-14253	95	29	businesses	business	NOUN
cblr-14253	95	30	offering	offer	VERB
cblr-14253	95	31	services	service	NOUN
cblr-14253	95	32	in	in	ADP
cblr-14253	95	33	buying	buy	VERB
cblr-14253	95	34	or	or	CCONJ
cblr-14253	95	35	selling	sell	VERB
cblr-14253	95	36	most	most	ADV
cblr-14253	95	37	residential	residential	ADJ
cblr-14253	95	38	properties.18	properties.18	NOUN
cblr-14253	95	39	second	second	ADJ
cblr-14253	95	40	,	,	PUNCT
cblr-14253	95	41	in	in	ADP
cblr-14253	95	42	2010	2010	NUM
cblr-14253	95	43	,	,	PUNCT
cblr-14253	95	44	congress	congress	PROPN
cblr-14253	95	45	adopted	adopt	VERB
cblr-14253	95	46	the	the	DET
cblr-14253	95	47	dodd	dodd	PROPN
cblr-14253	95	48	-	-	PUNCT
cblr-14253	95	49	frank	frank	PROPN
cblr-14253	95	50	wall	wall	PROPN
cblr-14253	95	51	street	street	PROPN
cblr-14253	95	52	reform	reform	PROPN
cblr-14253	95	53	and	and	CCONJ
cblr-14253	95	54	consumer	consumer	NOUN
cblr-14253	95	55	protection	protection	NOUN
cblr-14253	95	56	act.19	act.19	NOUN
cblr-14253	95	57	among	among	ADP
cblr-14253	95	58	many	many	ADJ
cblr-14253	95	59	other	other	ADJ
cblr-14253	95	60	provisions	provision	NOUN
cblr-14253	95	61	,	,	PUNCT
cblr-14253	95	62	the	the	DET
cblr-14253	95	63	dodd	dodd	PROPN
cblr-14253	95	64	-	-	PUNCT
cblr-14253	95	65	frank	frank	PROPN
cblr-14253	95	66	act	act	PROPN
cblr-14253	95	67	prohibits	prohibit	VERB
cblr-14253	95	68	abusive	abusive	ADJ
cblr-14253	95	69	acts	act	NOUN
cblr-14253	95	70	or	or	CCONJ
cblr-14253	95	71	practices	practice	NOUN
cblr-14253	95	72	by	by	ADP
cblr-14253	95	73	companies	company	NOUN
cblr-14253	95	74	that	that	PRON
cblr-14253	95	75	offer	offer	VERB
cblr-14253	95	76	consumer	consumer	NOUN
cblr-14253	95	77	-	-	PUNCT
cblr-14253	95	78	financial	financial	ADJ
cblr-14253	95	79	products	product	NOUN
cblr-14253	95	80	and	and	CCONJ
cblr-14253	95	81	services.20	services.20	NOUN
cblr-14253	95	82	the	the	DET
cblr-14253	95	83	ban	ban	NOUN
cblr-14253	95	84	on	on	ADP
cblr-14253	95	85	abusive	abusive	ADJ
cblr-14253	95	86	conduct	conduct	NOUN
cblr-14253	95	87	includes	include	VERB
cblr-14253	95	88	taking	take	VERB
cblr-14253	95	89	unreasonable	unreasonable	ADJ
cblr-14253	95	90	advantage	advantage	NOUN
cblr-14253	95	91	of	of	ADP
cblr-14253	95	92	a	a	DET
cblr-14253	95	93	consumer	consumer	NOUN
cblr-14253	95	94	’s	’s	PART
cblr-14253	95	95	reasonable	reasonable	ADJ
cblr-14253	95	96	reliance	reliance	NOUN
cblr-14253	95	97	on	on	ADP
cblr-14253	95	98	a	a	DET
cblr-14253	95	99	“	"	PUNCT
cblr-14253	95	100	covered	covered	ADJ
cblr-14253	95	101	person	person	NOUN
cblr-14253	95	102	”	"	PUNCT
cblr-14253	95	103	to	to	PART
cblr-14253	95	104	act	act	VERB
cblr-14253	95	105	in	in	ADP
cblr-14253	95	106	the	the	DET
cblr-14253	95	107	consumer	consumer	NOUN
cblr-14253	95	108	’s	’s	PART
cblr-14253	95	109	interest	interest	NOUN
cblr-14253	95	110	.	.	PUNCT
cblr-14253	96	1	this	this	DET
cblr-14253	96	2	article	article	NOUN
cblr-14253	96	3	proceeds	proceed	VERB
cblr-14253	96	4	as	as	SCONJ
cblr-14253	96	5	follows	follow	VERB
cblr-14253	96	6	.	.	PUNCT
cblr-14253	97	1	in	in	ADP
cblr-14253	97	2	part	part	PROPN
cblr-14253	97	3	ii	ii	PROPN
cblr-14253	97	4	,	,	PUNCT
cblr-14253	97	5	we	we	PRON
cblr-14253	97	6	explore	explore	VERB
cblr-14253	97	7	the	the	DET
cblr-14253	97	8	details	detail	NOUN
cblr-14253	97	9	of	of	ADP
cblr-14253	97	10	increasingly	increasingly	ADV
cblr-14253	97	11	common	common	ADJ
cblr-14253	97	12	real	real	ADJ
cblr-14253	97	13	-	-	PUNCT
cblr-14253	97	14	estate	estate	NOUN
cblr-14253	97	15	-	-	PUNCT
cblr-14253	97	16	settlement	settlement	NOUN
cblr-14253	97	17	joint	joint	ADJ
cblr-14253	97	18	ventures	venture	NOUN
cblr-14253	97	19	,	,	PUNCT
cblr-14253	97	20	focusing	focus	VERB
cblr-14253	97	21	on	on	ADP
cblr-14253	97	22	how	how	SCONJ
cblr-14253	97	23	they	they	PRON
cblr-14253	97	24	increase	increase	VERB
cblr-14253	97	25	closing	closing	NOUN
cblr-14253	97	26	costs	cost	NOUN
cblr-14253	97	27	for	for	ADP
cblr-14253	97	28	consumers	consumer	NOUN
cblr-14253	97	29	and	and	CCONJ
cblr-14253	97	30	create	create	VERB
cblr-14253	97	31	barriers	barrier	NOUN
cblr-14253	97	32	to	to	ADP
cblr-14253	97	33	affordable	affordable	ADJ
cblr-14253	97	34	housing	housing	NOUN
cblr-14253	97	35	.	.	PUNCT
cblr-14253	98	1	in	in	ADP
cblr-14253	98	2	part	part	PROPN
cblr-14253	98	3	iii	iii	NOUN
cblr-14253	98	4	,	,	PUNCT
cblr-14253	98	5	we	we	PRON
cblr-14253	98	6	argue	argue	VERB
cblr-14253	98	7	that	that	SCONJ
cblr-14253	98	8	many	many	ADJ
cblr-14253	98	9	common	common	ADJ
cblr-14253	98	10	real	real	ADJ
cblr-14253	98	11	-	-	PUNCT
cblr-14253	98	12	estate	estate	NOUN
cblr-14253	98	13	-	-	PUNCT
cblr-14253	98	14	settlement	settlement	NOUN
cblr-14253	98	15	joint	joint	ADJ
cblr-14253	98	16	ventures	venture	NOUN
cblr-14253	98	17	do	do	AUX
cblr-14253	98	18	not	not	PART
cblr-14253	98	19	comply	comply	VERB
cblr-14253	98	20	with	with	ADP
cblr-14253	98	21	respa	respa	PROPN
cblr-14253	98	22	’s	’s	PART
cblr-14253	98	23	requirements	requirement	NOUN
cblr-14253	98	24	for	for	ADP
cblr-14253	98	25	affiliated	affiliate	VERB
cblr-14253	98	26	-	-	PUNCT
cblr-14253	98	27	business	business	NOUN
cblr-14253	98	28	arrangements	arrangement	NOUN
cblr-14253	98	29	and	and	CCONJ
cblr-14253	98	30	therefore	therefore	ADV
cblr-14253	98	31	violate	violate	VERB
cblr-14253	98	32	the	the	DET
cblr-14253	98	33	statute	statute	NOUN
cblr-14253	98	34	’s	’s	PART
cblr-14253	98	35	prohibition	prohibition	NOUN
cblr-14253	98	36	of	of	ADP
cblr-14253	98	37	referral	referral	ADJ
cblr-14253	98	38	payments	payment	NOUN
cblr-14253	98	39	.	.	PUNCT
cblr-14253	99	1	part	part	NOUN
cblr-14253	99	2	iv	iv	NUM
cblr-14253	99	3	explores	explore	NOUN
cblr-14253	99	4	whether	whether	SCONJ
cblr-14253	99	5	real	real	ADJ
cblr-14253	99	6	-	-	PUNCT
cblr-14253	99	7	estate	estate	NOUN
cblr-14253	99	8	agents	agent	NOUN
cblr-14253	99	9	who	who	PRON
cblr-14253	99	10	steer	steer	VERB
cblr-14253	99	11	consumers	consumer	NOUN
cblr-14253	99	12	toward	toward	ADP
cblr-14253	99	13	vendors	vendor	NOUN
cblr-14253	99	14	partially	partially	ADV
cblr-14253	99	15	owned	own	VERB
cblr-14253	99	16	by	by	ADP
cblr-14253	99	17	the	the	DET
cblr-14253	99	18	real	real	ADJ
cblr-14253	99	19	-	-	PUNCT
cblr-14253	99	20	estate	estate	NOUN
cblr-14253	99	21	agent	agent	NOUN
cblr-14253	99	22	violate	violate	VERB
cblr-14253	99	23	the	the	DET
cblr-14253	99	24	dodd	dodd	PROPN
cblr-14253	99	25	-	-	PUNCT
cblr-14253	99	26	frank	frank	PROPN
cblr-14253	99	27	act	act	PROPN
cblr-14253	99	28	’s	’s	PART
cblr-14253	99	29	prohibition	prohibition	NOUN
cblr-14253	99	30	of	of	ADP
cblr-14253	99	31	abusive	abusive	ADJ
cblr-14253	99	32	conduct	conduct	NOUN
cblr-14253	99	33	.	.	PUNCT
cblr-14253	100	1	part	part	NOUN
cblr-14253	100	2	v	v	PROPN
cblr-14253	100	3	proposes	propose	VERB
cblr-14253	100	4	an	an	DET
cblr-14253	100	5	affirmative	affirmative	ADJ
cblr-14253	100	6	interpretation	interpretation	NOUN
cblr-14253	100	7	of	of	ADP
cblr-14253	100	8	respa	respa	PROPN
cblr-14253	100	9	and	and	CCONJ
cblr-14253	101	1	the	the	DET
cblr-14253	101	2	l.	l.	PROPN
cblr-14253	101	3	no	no	PROPN
cblr-14253	101	4	.	.	PROPN
cblr-14253	102	1	103	103	NUM
cblr-14253	102	2	-	-	SYM
cblr-14253	102	3	325	325	NUM
cblr-14253	102	4	,	,	PUNCT
cblr-14253	102	5	108	108	NUM
cblr-14253	102	6	stat	stat	NOUN
cblr-14253	102	7	.	.	PUNCT
cblr-14253	103	1	2190	2190	NUM
cblr-14253	103	2	(	(	PUNCT
cblr-14253	103	3	codified	codify	VERB
cblr-14253	103	4	to	to	ADP
cblr-14253	103	5	various	various	ADJ
cblr-14253	103	6	parts	part	NOUN
cblr-14253	103	7	of	of	ADP
cblr-14253	103	8	truth	truth	NOUN
cblr-14253	103	9	in	in	ADP
cblr-14253	103	10	lending	lending	NOUN
cblr-14253	103	11	act	act	NOUN
cblr-14253	103	12	,	,	PUNCT
cblr-14253	103	13	particularly	particularly	ADV
cblr-14253	103	14	15	15	NUM
cblr-14253	103	15	u.s.c	u.s.c	ADJ
cblr-14253	103	16	.	.	PUNCT
cblr-14253	104	1	§	§	PROPN
cblr-14253	104	2	§	§	PROPN
cblr-14253	104	3	1601–02	1601–02	NUM
cblr-14253	104	4	,	,	PUNCT
cblr-14253	104	5	1639–41	1639–41	NUM
cblr-14253	104	6	)	)	PUNCT
cblr-14253	104	7	;	;	PUNCT
cblr-14253	104	8	the	the	DET
cblr-14253	104	9	homeowners	homeowner	NOUN
cblr-14253	104	10	protection	protection	PROPN
cblr-14253	104	11	act	act	PROPN
cblr-14253	104	12	,	,	PUNCT
cblr-14253	104	13	pub	pub	NOUN
cblr-14253	104	14	.	.	PUNCT
cblr-14253	105	1	l.	l.	PROPN
cblr-14253	105	2	no	no	INTJ
cblr-14253	105	3	.	.	PROPN
cblr-14253	106	1	105	105	NUM
cblr-14253	106	2	-	-	SYM
cblr-14253	106	3	216	216	NUM
cblr-14253	106	4	,	,	PUNCT
cblr-14253	106	5	§	§	NOUN
cblr-14253	106	6	  	  	SPACE
cblr-14253	106	7	2	2	NUM
cblr-14253	106	8	,	,	PUNCT
cblr-14253	106	9	112	112	NUM
cblr-14253	106	10	stat	stat	NOUN
cblr-14253	106	11	.	.	PUNCT
cblr-14253	107	1	897	897	NUM
cblr-14253	107	2	(	(	PUNCT
cblr-14253	107	3	codified	codify	VERB
cblr-14253	107	4	at	at	ADP
cblr-14253	107	5	12	12	NUM
cblr-14253	107	6	u.s.c	u.s.c	NOUN
cblr-14253	107	7	.	.	PUNCT
cblr-14253	108	1	§	§	PROPN
cblr-14253	108	2	4901–10	4901–10	NOUN
cblr-14253	108	3	)	)	PUNCT
cblr-14253	108	4	;	;	PUNCT
cblr-14253	108	5	the	the	DET
cblr-14253	108	6	mortgage	mortgage	NOUN
cblr-14253	108	7	reform	reform	NOUN
cblr-14253	108	8	and	and	CCONJ
cblr-14253	108	9	anti	anti	ADJ
cblr-14253	108	10	-	-	ADJ
cblr-14253	108	11	predatory	predatory	ADJ
cblr-14253	108	12	lending	lending	NOUN
cblr-14253	108	13	act	act	NOUN
cblr-14253	108	14	,	,	PUNCT
cblr-14253	108	15	pub	pub	NOUN
cblr-14253	108	16	.	.	PUNCT
cblr-14253	109	1	l.	l.	PROPN
cblr-14253	109	2	no	no	INTJ
cblr-14253	109	3	.	.	PROPN
cblr-14253	109	4	111	111	NUM
cblr-14253	109	5	-	-	SYM
cblr-14253	109	6	203	203	NUM
cblr-14253	109	7	,	,	PUNCT
cblr-14253	109	8	124	124	NUM
cblr-14253	109	9	stat	stat	NOUN
cblr-14253	109	10	.	.	PUNCT
cblr-14253	110	1	1376	1376	NUM
cblr-14253	110	2	(	(	PUNCT
cblr-14253	110	3	codified	codify	VERB
cblr-14253	110	4	in	in	ADP
cblr-14253	110	5	relevant	relevant	ADJ
cblr-14253	110	6	part	part	NOUN
cblr-14253	110	7	at	at	ADP
cblr-14253	110	8	12	12	NUM
cblr-14253	110	9	u.s.c	u.s.c	ADJ
cblr-14253	110	10	.	.	PUNCT
cblr-14253	111	1	§	§	PROPN
cblr-14253	111	2	5481	5481	NUM
cblr-14253	111	3	note	note	NOUN
cblr-14253	111	4	,	,	PUNCT
cblr-14253	111	5	15	15	NUM
cblr-14253	111	6	u.s.c	u.s.c	NOUN
cblr-14253	111	7	.	.	PUNCT
cblr-14253	112	1	§	§	PROPN
cblr-14253	112	2	§	§	PROPN
cblr-14253	112	3	1601	1601	NUM
cblr-14253	112	4	note	note	NOUN
cblr-14253	112	5	,	,	PUNCT
cblr-14253	112	6	1602	1602	NUM
cblr-14253	112	7	,	,	PUNCT
cblr-14253	112	8	1631	1631	NUM
cblr-14253	112	9	)	)	PUNCT
cblr-14253	112	10	;	;	PUNCT
cblr-14253	112	11	the	the	DET
cblr-14253	112	12	secure	secure	ADJ
cblr-14253	112	13	and	and	CCONJ
cblr-14253	112	14	fair	fair	ADJ
cblr-14253	112	15	enforcement	enforcement	NOUN
cblr-14253	112	16	for	for	ADP
cblr-14253	112	17	mortgage	mortgage	NOUN
cblr-14253	112	18	licensing	licensing	NOUN
cblr-14253	112	19	act	act	NOUN
cblr-14253	112	20	,	,	PUNCT
cblr-14253	112	21	pub	pub	NOUN
cblr-14253	112	22	.	.	PUNCT
cblr-14253	113	1	l.	l.	PROPN
cblr-14253	113	2	no	no	INTJ
cblr-14253	113	3	.	.	PROPN
cblr-14253	114	1	110	110	NUM
cblr-14253	114	2	-	-	SYM
cblr-14253	114	3	289	289	NUM
cblr-14253	114	4	,	,	PUNCT
cblr-14253	114	5	§	§	PROPN
cblr-14253	114	6	1502	1502	NUM
cblr-14253	114	7	,	,	PUNCT
cblr-14253	114	8	122	122	NUM
cblr-14253	114	9	stat	stat	NOUN
cblr-14253	114	10	.	.	PUNCT
cblr-14253	115	1	2810	2810	NUM
cblr-14253	115	2	(	(	PUNCT
cblr-14253	115	3	codified	codify	VERB
cblr-14253	115	4	at	at	ADP
cblr-14253	115	5	12	12	NUM
cblr-14253	115	6	u.s.c	u.s.c	NOUN
cblr-14253	115	7	.	.	PUNCT
cblr-14253	116	1	§	§	PROPN
cblr-14253	116	2	5101	5101	NUM
cblr-14253	116	3	)	)	PUNCT
cblr-14253	116	4	;	;	PUNCT
cblr-14253	116	5	and	and	CCONJ
cblr-14253	116	6	the	the	DET
cblr-14253	116	7	truth	truth	NOUN
cblr-14253	116	8	in	in	ADP
cblr-14253	116	9	lending	lending	NOUN
cblr-14253	116	10	act	act	NOUN
cblr-14253	116	11	,	,	PUNCT
cblr-14253	116	12	pub	pub	NOUN
cblr-14253	116	13	.	.	PUNCT
cblr-14253	117	1	l.	l.	PROPN
cblr-14253	117	2	no	no	INTJ
cblr-14253	117	3	.	.	PROPN
cblr-14253	118	1	90321	90321	NUM
cblr-14253	118	2	,	,	PUNCT
cblr-14253	118	3	§	§	NOUN
cblr-14253	118	4	 	 	SPACE
cblr-14253	118	5	102	102	NUM
cblr-14253	118	6	,	,	PUNCT
cblr-14253	118	7	82	82	NUM
cblr-14253	118	8	stat	stat	NOUN
cblr-14253	118	9	.	.	PUNCT
cblr-14253	119	1	146	146	NUM
cblr-14253	119	2	(	(	PUNCT
cblr-14253	119	3	codified	codify	VERB
cblr-14253	119	4	at	at	ADP
cblr-14253	119	5	15	15	NUM
cblr-14253	119	6	u.s.c	u.s.c	ADJ
cblr-14253	119	7	.	.	PUNCT
cblr-14253	120	1	§	§	PROPN
cblr-14253	120	2	1601	1601	NUM
cblr-14253	120	3	)	)	PUNCT
cblr-14253	120	4	.	.	PUNCT
cblr-14253	121	1	17	17	NUM
cblr-14253	121	2	real	real	ADJ
cblr-14253	121	3	estate	estate	NOUN
cblr-14253	121	4	settlement	settlement	NOUN
cblr-14253	121	5	procedures	procedure	NOUN
cblr-14253	121	6	act	act	VERB
cblr-14253	121	7	,	,	PUNCT
cblr-14253	121	8	pub	pub	NOUN
cblr-14253	121	9	.	.	PUNCT
cblr-14253	122	1	l.	l.	PROPN
cblr-14253	122	2	no	no	INTJ
cblr-14253	122	3	.	.	PROPN
cblr-14253	123	1	93	93	NUM
cblr-14253	123	2	-	-	SYM
cblr-14253	123	3	533	533	NUM
cblr-14253	123	4	,	,	PUNCT
cblr-14253	123	5	88	88	NUM
cblr-14253	123	6	stat	stat	NOUN
cblr-14253	123	7	.	.	PUNCT
cblr-14253	124	1	1724	1724	NUM
cblr-14253	124	2	(	(	PUNCT
cblr-14253	124	3	1974	1974	NUM
cblr-14253	124	4	)	)	PUNCT
cblr-14253	124	5	(	(	PUNCT
cblr-14253	124	6	codified	codify	VERB
cblr-14253	124	7	as	as	SCONJ
cblr-14253	124	8	amended	amend	VERB
cblr-14253	124	9	at	at	ADP
cblr-14253	124	10	12	12	NUM
cblr-14253	124	11	u.s.c	u.s.c	NOUN
cblr-14253	124	12	.	.	PUNCT
cblr-14253	125	1	§	§	PROPN
cblr-14253	125	2	§	§	PROPN
cblr-14253	125	3	2601–17	2601–17	NUM
cblr-14253	125	4	)	)	PUNCT
cblr-14253	125	5	.	.	PUNCT
cblr-14253	126	1	18	18	NUM
cblr-14253	126	2	see	see	VERB
cblr-14253	126	3	12	12	NUM
cblr-14253	126	4	u.s.c	u.s.c	ADJ
cblr-14253	126	5	.	.	PUNCT
cblr-14253	127	1	§	§	PROPN
cblr-14253	127	2	2607(a	2607(a	NUM
cblr-14253	127	3	)	)	PUNCT
cblr-14253	127	4	.	.	PUNCT
cblr-14253	128	1	19	19	NUM
cblr-14253	128	2	mortgage	mortgage	NOUN
cblr-14253	128	3	reform	reform	NOUN
cblr-14253	128	4	and	and	CCONJ
cblr-14253	128	5	anti	anti	ADJ
cblr-14253	128	6	-	-	ADJ
cblr-14253	128	7	predatory	predatory	ADJ
cblr-14253	128	8	lending	lending	NOUN
cblr-14253	128	9	act	act	NOUN
cblr-14253	128	10	,	,	PUNCT
cblr-14253	128	11	pub	pub	NOUN
cblr-14253	128	12	.	.	PUNCT
cblr-14253	129	1	l.	l.	PROPN
cblr-14253	129	2	no	no	INTJ
cblr-14253	129	3	.	.	PROPN
cblr-14253	130	1	111203	111203	NUM
cblr-14253	130	2	,	,	PUNCT
cblr-14253	130	3	124	124	NUM
cblr-14253	130	4	stat	stat	NOUN
cblr-14253	130	5	.	.	PUNCT
cblr-14253	131	1	1376	1376	NUM
cblr-14253	131	2	(	(	PUNCT
cblr-14253	131	3	codified	codify	VERB
cblr-14253	131	4	in	in	ADP
cblr-14253	131	5	relevant	relevant	ADJ
cblr-14253	131	6	part	part	NOUN
cblr-14253	131	7	at	at	ADP
cblr-14253	131	8	12	12	NUM
cblr-14253	131	9	u.s.c	u.s.c	ADJ
cblr-14253	131	10	.	.	PUNCT
cblr-14253	132	1	§	§	PROPN
cblr-14253	132	2	§	§	PROPN
cblr-14253	132	3	5301	5301	NUM
cblr-14253	132	4	,	,	PUNCT
cblr-14253	132	5	5481	5481	NUM
cblr-14253	132	6	–	–	PUNCT
cblr-14253	132	7	603	603	NUM
cblr-14253	132	8	,	,	PUNCT
cblr-14253	132	9	and	and	CCONJ
cblr-14253	132	10	in	in	ADP
cblr-14253	132	11	laws	law	NOUN
cblr-14253	132	12	amended	amend	VERB
cblr-14253	132	13	(	(	PUNCT
cblr-14253	132	14	title	title	NOUN
cblr-14253	132	15	x	x	NOUN
cblr-14253	132	16	)	)	PUNCT
cblr-14253	132	17	)	)	PUNCT
cblr-14253	132	18	.	.	PUNCT
cblr-14253	133	1	20	20	NUM
cblr-14253	133	2	see	see	VERB
cblr-14253	133	3	12	12	NUM
cblr-14253	133	4	u.s.c	u.s.c	ADJ
cblr-14253	133	5	.	.	PUNCT
cblr-14253	134	1	§	§	PROPN
cblr-14253	134	2	5536(a)(1)(b	5536(a)(1)(b	NUM
cblr-14253	134	3	)	)	PUNCT
cblr-14253	134	4	.	.	PUNCT
cblr-14253	135	1	no	no	INTJ
cblr-14253	135	2	.	.	NOUN
cblr-14253	136	1	1	1	NUM
cblr-14253	136	2	]	]	PUNCT
cblr-14253	136	3	corrupt	corrupt	ADJ
cblr-14253	136	4	joint	joint	ADJ
cblr-14253	136	5	ventures	venture	NOUN
cblr-14253	136	6	399	399	NUM
cblr-14253	136	7	dodd	dodd	PROPN
cblr-14253	136	8	-	-	PUNCT
cblr-14253	136	9	frank	frank	PROPN
cblr-14253	136	10	act	act	NOUN
cblr-14253	136	11	that	that	PRON
cblr-14253	136	12	permits	permit	VERB
cblr-14253	136	13	compliant	compliant	ADJ
cblr-14253	136	14	structuring	structuring	NOUN
cblr-14253	136	15	of	of	ADP
cblr-14253	136	16	realestate	realestate	NOUN
cblr-14253	136	17	-	-	PUNCT
cblr-14253	136	18	settlement	settlement	NOUN
cblr-14253	136	19	joint	joint	ADJ
cblr-14253	136	20	ventures	venture	NOUN
cblr-14253	136	21	.	.	PUNCT
cblr-14253	137	1	in	in	ADP
cblr-14253	137	2	part	part	NOUN
cblr-14253	137	3	vi	vi	PROPN
cblr-14253	137	4	,	,	PUNCT
cblr-14253	137	5	we	we	PRON
cblr-14253	137	6	make	make	VERB
cblr-14253	137	7	several	several	ADJ
cblr-14253	137	8	policy	policy	NOUN
cblr-14253	137	9	recommendations	recommendation	NOUN
cblr-14253	137	10	.	.	PUNCT
cblr-14253	138	1	and	and	CCONJ
cblr-14253	138	2	in	in	ADP
cblr-14253	138	3	part	part	NOUN
cblr-14253	138	4	vii	vii	PROPN
cblr-14253	138	5	,	,	PUNCT
cblr-14253	138	6	we	we	PRON
cblr-14253	138	7	briefly	briefly	ADV
cblr-14253	138	8	summarize	summarize	VERB
cblr-14253	138	9	and	and	CCONJ
cblr-14253	138	10	conclude	conclude	NOUN
cblr-14253	138	11	.	.	PUNCT
cblr-14253	139	1	ii	ii	PROPN
cblr-14253	139	2	.	.	PUNCT
cblr-14253	140	1	background	background	NOUN
cblr-14253	140	2	buying	buy	VERB
cblr-14253	140	3	a	a	DET
cblr-14253	140	4	home	home	NOUN
cblr-14253	140	5	forces	force	NOUN
cblr-14253	140	6	consumers	consumer	NOUN
cblr-14253	140	7	to	to	PART
cblr-14253	140	8	confront	confront	VERB
cblr-14253	140	9	a	a	DET
cblr-14253	140	10	dizzying	dizzying	ADJ
cblr-14253	140	11	maze	maze	NOUN
cblr-14253	140	12	of	of	ADP
cblr-14253	140	13	businesses	business	NOUN
cblr-14253	140	14	,	,	PUNCT
cblr-14253	140	15	documents	document	NOUN
cblr-14253	140	16	,	,	PUNCT
cblr-14253	140	17	rules	rule	NOUN
cblr-14253	140	18	,	,	PUNCT
cblr-14253	140	19	and	and	CCONJ
cblr-14253	140	20	deadlines	deadline	NOUN
cblr-14253	140	21	.	.	PUNCT
cblr-14253	141	1	often	often	ADV
cblr-14253	141	2	,	,	PUNCT
cblr-14253	141	3	residential	residential	ADJ
cblr-14253	141	4	buyers	buyer	NOUN
cblr-14253	141	5	and	and	CCONJ
cblr-14253	141	6	sellers	seller	NOUN
cblr-14253	141	7	rely	rely	VERB
cblr-14253	141	8	heavily	heavily	ADV
cblr-14253	141	9	on	on	ADP
cblr-14253	141	10	real	real	ADJ
cblr-14253	141	11	-	-	PUNCT
cblr-14253	141	12	estate	estate	NOUN
cblr-14253	141	13	agents	agent	NOUN
cblr-14253	141	14	to	to	PART
cblr-14253	141	15	guide	guide	VERB
cblr-14253	141	16	them	they	PRON
cblr-14253	141	17	through	through	ADP
cblr-14253	141	18	the	the	DET
cblr-14253	141	19	process	process	NOUN
cblr-14253	141	20	.	.	PUNCT
cblr-14253	142	1	while	while	SCONJ
cblr-14253	142	2	it	it	PRON
cblr-14253	142	3	is	be	AUX
cblr-14253	142	4	possible	possible	ADJ
cblr-14253	142	5	to	to	PART
cblr-14253	142	6	sell	sell	VERB
cblr-14253	142	7	or	or	CCONJ
cblr-14253	142	8	buy	buy	VERB
cblr-14253	142	9	a	a	DET
cblr-14253	142	10	home	home	NOUN
cblr-14253	142	11	without	without	ADP
cblr-14253	142	12	an	an	DET
cblr-14253	142	13	agent	agent	NOUN
cblr-14253	142	14	,	,	PUNCT
cblr-14253	142	15	the	the	DET
cblr-14253	142	16	fact	fact	NOUN
cblr-14253	142	17	that	that	SCONJ
cblr-14253	142	18	90	90	NUM
cblr-14253	142	19	%	%	NOUN
cblr-14253	142	20	of	of	ADP
cblr-14253	142	21	consumers	consumer	NOUN
cblr-14253	142	22	hire	hire	VERB
cblr-14253	142	23	a	a	DET
cblr-14253	142	24	real	real	ADJ
cblr-14253	142	25	-	-	PUNCT
cblr-14253	142	26	estate	estate	NOUN
cblr-14253	142	27	agent	agent	NOUN
cblr-14253	142	28	is	be	AUX
cblr-14253	142	29	a	a	DET
cblr-14253	142	30	testament	testament	NOUN
cblr-14253	142	31	to	to	ADP
cblr-14253	142	32	the	the	DET
cblr-14253	142	33	complexity	complexity	NOUN
cblr-14253	142	34	of	of	ADP
cblr-14253	142	35	modern	modern	ADJ
cblr-14253	142	36	real	real	ADJ
cblr-14253	142	37	-	-	PUNCT
cblr-14253	142	38	estate	estate	NOUN
cblr-14253	142	39	transactions.21	transactions.21	PROPN
cblr-14253	142	40	real	real	ADJ
cblr-14253	142	41	-	-	PUNCT
cblr-14253	142	42	estate	estate	NOUN
cblr-14253	142	43	agents	agent	NOUN
cblr-14253	142	44	are	be	AUX
cblr-14253	142	45	licensed	license	VERB
cblr-14253	142	46	at	at	ADP
cblr-14253	142	47	the	the	DET
cblr-14253	142	48	state	state	NOUN
cblr-14253	142	49	level	level	NOUN
cblr-14253	142	50	to	to	PART
cblr-14253	142	51	assist	assist	VERB
cblr-14253	142	52	people	people	NOUN
cblr-14253	142	53	seeking	seek	VERB
cblr-14253	142	54	to	to	PART
cblr-14253	142	55	buy	buy	VERB
cblr-14253	142	56	or	or	CCONJ
cblr-14253	142	57	sell	sell	VERB
cblr-14253	142	58	real	real	ADJ
cblr-14253	142	59	property	property	NOUN
cblr-14253	142	60	,	,	PUNCT
cblr-14253	142	61	and	and	CCONJ
cblr-14253	142	62	they	they	PRON
cblr-14253	142	63	usually	usually	ADV
cblr-14253	142	64	work	work	VERB
cblr-14253	142	65	as	as	ADP
cblr-14253	142	66	an	an	DET
cblr-14253	142	67	independent	independent	ADJ
cblr-14253	142	68	contractor	contractor	NOUN
cblr-14253	142	69	or	or	CCONJ
cblr-14253	142	70	employee	employee	NOUN
cblr-14253	142	71	of	of	ADP
cblr-14253	142	72	a	a	DET
cblr-14253	142	73	real	real	ADJ
cblr-14253	142	74	-	-	PUNCT
cblr-14253	142	75	estate	estate	NOUN
cblr-14253	142	76	-	-	PUNCT
cblr-14253	142	77	brokerage	brokerage	NOUN
cblr-14253	142	78	business.22	business.22	NOUN
cblr-14253	142	79	because	because	SCONJ
cblr-14253	142	80	real	real	ADJ
cblr-14253	142	81	-	-	PUNCT
cblr-14253	142	82	estate	estate	NOUN
cblr-14253	142	83	rules	rule	NOUN
cblr-14253	142	84	and	and	CCONJ
cblr-14253	142	85	norms	norm	NOUN
cblr-14253	142	86	vary	vary	VERB
cblr-14253	142	87	from	from	ADP
cblr-14253	142	88	state	state	NOUN
cblr-14253	142	89	to	to	ADP
cblr-14253	142	90	state	state	NOUN
cblr-14253	142	91	,	,	PUNCT
cblr-14253	142	92	terminology	terminology	NOUN
cblr-14253	142	93	in	in	ADP
cblr-14253	142	94	residential	residential	ADJ
cblr-14253	142	95	real	real	ADJ
cblr-14253	142	96	-	-	PUNCT
cblr-14253	142	97	estate	estate	NOUN
cblr-14253	142	98	transactions	transaction	NOUN
cblr-14253	142	99	can	can	AUX
cblr-14253	142	100	be	be	AUX
cblr-14253	142	101	challenging	challenge	VERB
cblr-14253	142	102	for	for	ADP
cblr-14253	142	103	consumers.23	consumers.23	PROPN
cblr-14253	142	104	typically	typically	ADV
cblr-14253	142	105	,	,	PUNCT
cblr-14253	142	106	real	real	ADJ
cblr-14253	142	107	-	-	PUNCT
cblr-14253	142	108	estate	estate	NOUN
cblr-14253	142	109	agents	agent	NOUN
cblr-14253	142	110	work	work	VERB
cblr-14253	142	111	directly	directly	ADV
cblr-14253	142	112	with	with	ADP
cblr-14253	142	113	consumers	consumer	NOUN
cblr-14253	142	114	,	,	PUNCT
cblr-14253	142	115	while	while	SCONJ
cblr-14253	142	116	brokers	broker	NOUN
cblr-14253	142	117	supervise	supervise	VERB
cblr-14253	142	118	agents.24	agents.24	VERB
cblr-14253	142	119	homeowners	homeowner	NOUN
cblr-14253	142	120	seeking	seek	VERB
cblr-14253	142	121	to	to	PART
cblr-14253	142	122	sell	sell	VERB
cblr-14253	142	123	their	their	PRON
cblr-14253	142	124	land	land	NOUN
cblr-14253	142	125	often	often	ADV
cblr-14253	142	126	engage	engage	VERB
cblr-14253	142	127	a	a	DET
cblr-14253	142	128	real	real	ADJ
cblr-14253	142	129	-	-	PUNCT
cblr-14253	142	130	estate	estate	NOUN
cblr-14253	142	131	agent	agent	NOUN
cblr-14253	142	132	,	,	PUNCT
cblr-14253	142	133	usually	usually	ADV
cblr-14253	142	134	known	know	VERB
cblr-14253	142	135	as	as	ADP
cblr-14253	142	136	the	the	DET
cblr-14253	142	137	“	"	PUNCT
cblr-14253	142	138	listing	list	VERB
cblr-14253	142	139	agent	agent	NOUN
cblr-14253	142	140	,	,	PUNCT
cblr-14253	142	141	”	"	PUNCT
cblr-14253	142	142	by	by	ADP
cblr-14253	142	143	21	21	NUM
cblr-14253	142	144	anne	anne	PROPN
cblr-14253	142	145	marie	marie	PROPN
cblr-14253	142	146	chaker	chaker	PROPN
cblr-14253	142	147	,	,	PUNCT
cblr-14253	142	148	the	the	DET
cblr-14253	142	149	upending	upending	NOUN
cblr-14253	142	150	of	of	ADP
cblr-14253	142	151	one	one	NUM
cblr-14253	142	152	of	of	ADP
cblr-14253	142	153	america	america	PROPN
cblr-14253	142	154	’s	’s	PART
cblr-14253	142	155	most	most	ADV
cblr-14253	142	156	popular	popular	ADJ
cblr-14253	142	157	professions	profession	NOUN
cblr-14253	142	158	,	,	PUNCT
cblr-14253	143	1	wall	wall	PROPN
cblr-14253	143	2	st	st	PROPN
cblr-14253	143	3	.	.	PROPN
cblr-14253	143	4	j.	j.	PROPN
cblr-14253	143	5	(	(	PUNCT
cblr-14253	143	6	nov	nov	PROPN
cblr-14253	143	7	.	.	PROPN
cblr-14253	143	8	13	13	NUM
cblr-14253	143	9	,	,	PUNCT
cblr-14253	143	10	2023	2023	NUM
cblr-14253	143	11	)	)	PUNCT
cblr-14253	143	12	(	(	PUNCT
cblr-14253	143	13	on	on	ADP
cblr-14253	143	14	file	file	NOUN
cblr-14253	143	15	with	with	ADP
cblr-14253	143	16	columbia	columbia	PROPN
cblr-14253	143	17	business	business	PROPN
cblr-14253	143	18	law	law	PROPN
cblr-14253	143	19	review	review	PROPN
cblr-14253	143	20	)	)	PUNCT
cblr-14253	143	21	.	.	PUNCT
cblr-14253	144	1	22	22	NUM
cblr-14253	144	2	fed	fed	PROPN
cblr-14253	144	3	.	.	PUNCT
cblr-14253	145	1	trade	trade	NOUN
cblr-14253	145	2	comm’n	comm’n	NOUN
cblr-14253	145	3	&	&	CCONJ
cblr-14253	145	4	u.s	u.s	PROPN
cblr-14253	145	5	.	.	PROPN
cblr-14253	145	6	dep’t	dep’t	NOUN
cblr-14253	145	7	of	of	ADP
cblr-14253	145	8	just	just	ADV
cblr-14253	145	9	.	.	PUNCT
cblr-14253	146	1	,	,	PUNCT
cblr-14253	146	2	competition	competition	NOUN
cblr-14253	146	3	in	in	ADP
cblr-14253	146	4	the	the	DET
cblr-14253	146	5	real	real	ADJ
cblr-14253	146	6	estate	estate	NOUN
cblr-14253	146	7	brokerage	brokerage	NOUN
cblr-14253	146	8	industry	industry	NOUN
cblr-14253	146	9	4–5	4–5	PROPN
cblr-14253	146	10	(	(	PUNCT
cblr-14253	146	11	2007	2007	NUM
cblr-14253	146	12	)	)	PUNCT
cblr-14253	146	13	,	,	PUNCT
cblr-14253	146	14	https://www.ftc.gov/sites/default/files/documents/reports/competition-realestate-brokerage-industry-report-federal-trade-commission-andu.s.department-justice/v050015.pdf	https://www.ftc.gov/sites/default/files/documents/reports/competition-realestate-brokerage-industry-report-federal-trade-commission-andu.s.department-justice/v050015.pdf	X
cblr-14253	147	1	[	[	X
cblr-14253	147	2	https://perma.cc/fsy2-qkds	https://perma.cc/fsy2-qkds	X
cblr-14253	147	3	]	]	X
cblr-14253	148	1	[	[	X
cblr-14253	148	2	hereinafter	hereinafter	NOUN
cblr-14253	148	3	joint	joint	PROPN
cblr-14253	148	4	ftc	ftc	PROPN
cblr-14253	148	5	-	-	PUNCT
cblr-14253	148	6	doj	doj	PROPN
cblr-14253	148	7	report	report	NOUN
cblr-14253	148	8	]	]	X
cblr-14253	148	9	.	.	PUNCT
cblr-14253	149	1	23	23	NUM
cblr-14253	149	2	j.	j.	PROPN
cblr-14253	149	3	clark	clark	PROPN
cblr-14253	149	4	pendergrass	pendergrass	PROPN
cblr-14253	149	5	,	,	PUNCT
cblr-14253	149	6	the	the	DET
cblr-14253	149	7	real	real	ADJ
cblr-14253	149	8	estate	estate	NOUN
cblr-14253	149	9	consumer	consumer	NOUN
cblr-14253	149	10	's	's	PART
cblr-14253	149	11	agency	agency	NOUN
cblr-14253	149	12	and	and	CCONJ
cblr-14253	149	13	disclosure	disclosure	PROPN
cblr-14253	149	14	act	act	PROPN
cblr-14253	149	15	:	:	PUNCT
cblr-14253	149	16	the	the	DET
cblr-14253	149	17	case	case	NOUN
cblr-14253	149	18	against	against	ADP
cblr-14253	149	19	dual	dual	ADJ
cblr-14253	149	20	agency	agency	NOUN
cblr-14253	149	21	,	,	PUNCT
cblr-14253	149	22	48	48	NUM
cblr-14253	149	23	ala	ala	NOUN
cblr-14253	149	24	.	.	PUNCT
cblr-14253	150	1	l.	l.	PROPN
cblr-14253	150	2	rev	rev	PROPN
cblr-14253	150	3	.	.	PROPN
cblr-14253	150	4	277	277	NUM
cblr-14253	150	5	,	,	PUNCT
cblr-14253	150	6	277	277	NUM
cblr-14253	150	7	(	(	PUNCT
cblr-14253	150	8	1996	1996	NUM
cblr-14253	150	9	)	)	PUNCT
cblr-14253	150	10	(	(	PUNCT
cblr-14253	150	11	“	"	PUNCT
cblr-14253	150	12	confusion	confusion	NOUN
cblr-14253	150	13	among	among	ADP
cblr-14253	150	14	home	home	NOUN
cblr-14253	150	15	buyers	buyer	NOUN
cblr-14253	150	16	and	and	CCONJ
cblr-14253	150	17	sellers	seller	NOUN
cblr-14253	150	18	as	as	ADP
cblr-14253	150	19	to	to	ADP
cblr-14253	150	20	the	the	DET
cblr-14253	150	21	real	real	ADJ
cblr-14253	150	22	estate	estate	NOUN
cblr-14253	150	23	broker	broker	NOUN
cblr-14253	150	24	’s	’s	PART
cblr-14253	150	25	role	role	NOUN
cblr-14253	150	26	in	in	ADP
cblr-14253	150	27	residential	residential	ADJ
cblr-14253	150	28	real	real	ADJ
cblr-14253	150	29	estate	estate	NOUN
cblr-14253	150	30	transactions	transaction	NOUN
cblr-14253	150	31	is	be	AUX
cblr-14253	150	32	a	a	DET
cblr-14253	150	33	problem	problem	NOUN
cblr-14253	150	34	common	common	ADJ
cblr-14253	150	35	to	to	ADP
cblr-14253	150	36	.	.	PUNCT
cblr-14253	150	37	.	.	PUNCT
cblr-14253	150	38	.	.	PUNCT
cblr-14253	151	1	the	the	DET
cblr-14253	151	2	nation	nation	NOUN
cblr-14253	151	3	.	.	PUNCT
cblr-14253	151	4	”	"	PUNCT
cblr-14253	151	5	)	)	PUNCT
cblr-14253	152	1	(	(	PUNCT
cblr-14253	152	2	citations	citation	NOUN
cblr-14253	152	3	omitted	omit	VERB
cblr-14253	152	4	)	)	PUNCT
cblr-14253	152	5	.	.	PUNCT
cblr-14253	153	1	24	24	NUM
cblr-14253	153	2	joint	joint	PROPN
cblr-14253	153	3	ftc	ftc	PROPN
cblr-14253	153	4	-	-	PUNCT
cblr-14253	153	5	doj	doj	PROPN
cblr-14253	153	6	report	report	NOUN
cblr-14253	153	7	,	,	PUNCT
cblr-14253	153	8	supra	supra	PROPN
cblr-14253	153	9	note	note	PROPN
cblr-14253	153	10	22	22	NUM
cblr-14253	153	11	,	,	PUNCT
cblr-14253	153	12	at	at	ADP
cblr-14253	153	13	4–5	4–5	PROPN
cblr-14253	153	14	.	.	PROPN
cblr-14253	153	15	400	400	NUM
cblr-14253	153	16	columbia	columbia	PROPN
cblr-14253	153	17	business	business	NOUN
cblr-14253	153	18	law	law	PROPN
cblr-14253	153	19	review	review	NOUN
cblr-14253	153	20	[	[	X
cblr-14253	153	21	vol	vol	NOUN
cblr-14253	153	22	.	.	PUNCT
cblr-14253	153	23	2025	2025	NUM
cblr-14253	153	24	signing	sign	VERB
cblr-14253	153	25	an	an	DET
cblr-14253	153	26	exclusive	exclusive	ADJ
cblr-14253	153	27	listing	list	VERB
cblr-14253	153	28	agreement.25	agreement.25	NOUN
cblr-14253	153	29	prospective	prospective	ADJ
cblr-14253	153	30	buyers	buyer	NOUN
cblr-14253	153	31	also	also	ADV
cblr-14253	153	32	often	often	ADV
cblr-14253	153	33	engage	engage	VERB
cblr-14253	153	34	a	a	DET
cblr-14253	153	35	real	real	ADJ
cblr-14253	153	36	-	-	PUNCT
cblr-14253	153	37	estate	estate	NOUN
cblr-14253	153	38	agent	agent	NOUN
cblr-14253	153	39	to	to	PART
cblr-14253	153	40	help	help	VERB
cblr-14253	153	41	them	they	PRON
cblr-14253	153	42	find	find	VERB
cblr-14253	153	43	suitable	suitable	ADJ
cblr-14253	153	44	properties	property	NOUN
cblr-14253	153	45	,	,	PUNCT
cblr-14253	153	46	negotiate	negotiate	VERB
cblr-14253	153	47	offers	offer	NOUN
cblr-14253	153	48	,	,	PUNCT
cblr-14253	153	49	and	and	CCONJ
cblr-14253	153	50	facilitate	facilitate	VERB
cblr-14253	153	51	communication	communication	NOUN
cblr-14253	153	52	between	between	ADP
cblr-14253	153	53	parties.26	parties.26	ADJ
cblr-14253	153	54	real	real	ADJ
cblr-14253	153	55	-	-	PUNCT
cblr-14253	153	56	estate	estate	NOUN
cblr-14253	153	57	agents	agent	NOUN
cblr-14253	153	58	assisting	assist	VERB
cblr-14253	153	59	buyers	buyer	NOUN
cblr-14253	153	60	are	be	AUX
cblr-14253	153	61	often	often	ADV
cblr-14253	153	62	referred	refer	VERB
cblr-14253	153	63	to	to	ADP
cblr-14253	153	64	as	as	ADP
cblr-14253	153	65	a	a	DET
cblr-14253	153	66	“	"	PUNCT
cblr-14253	153	67	buyer	buyer	NOUN
cblr-14253	153	68	’s	’s	PART
cblr-14253	153	69	agent	agent	NOUN
cblr-14253	153	70	,	,	PUNCT
cblr-14253	153	71	”	"	PUNCT
cblr-14253	153	72	but	but	CCONJ
cblr-14253	153	73	they	they	PRON
cblr-14253	153	74	are	be	AUX
cblr-14253	153	75	also	also	ADV
cblr-14253	153	76	(	(	PUNCT
cblr-14253	153	77	confusingly	confusingly	ADV
cblr-14253	153	78	)	)	PUNCT
cblr-14253	153	79	called	call	VERB
cblr-14253	153	80	a	a	DET
cblr-14253	153	81	“	"	PUNCT
cblr-14253	153	82	selling	sell	VERB
cblr-14253	153	83	agent	agent	NOUN
cblr-14253	153	84	”	"	PUNCT
cblr-14253	153	85	or	or	CCONJ
cblr-14253	153	86	sometimes	sometimes	ADV
cblr-14253	153	87	a	a	DET
cblr-14253	153	88	“	"	PUNCT
cblr-14253	153	89	cooperating	cooperate	VERB
cblr-14253	153	90	agent	agent	NOUN
cblr-14253	153	91	.	.	PUNCT
cblr-14253	154	1	”27	”27	ADV
cblr-14253	154	2	the	the	DET
cblr-14253	154	3	term	term	NOUN
cblr-14253	154	4	“	"	PUNCT
cblr-14253	154	5	realtor	realtor	NOUN
cblr-14253	154	6	”	"	PUNCT
cblr-14253	154	7	can	can	AUX
cblr-14253	154	8	refer	refer	VERB
cblr-14253	154	9	to	to	ADP
cblr-14253	154	10	either	either	CCONJ
cblr-14253	154	11	the	the	DET
cblr-14253	154	12	seller	seller	NOUN
cblr-14253	154	13	’s	’s	PART
cblr-14253	154	14	or	or	CCONJ
cblr-14253	154	15	the	the	DET
cblr-14253	154	16	buyer	buyer	NOUN
cblr-14253	154	17	’s	’s	PART
cblr-14253	154	18	agent.28	agent.28	NOUN
cblr-14253	154	19	most	most	ADJ
cblr-14253	154	20	homebuyers	homebuyer	NOUN
cblr-14253	154	21	also	also	ADV
cblr-14253	154	22	seek	seek	VERB
cblr-14253	154	23	the	the	DET
cblr-14253	154	24	assistance	assistance	NOUN
cblr-14253	154	25	of	of	ADP
cblr-14253	154	26	a	a	DET
cblr-14253	154	27	mortgage	mortgage	NOUN
cblr-14253	154	28	broker	broker	NOUN
cblr-14253	154	29	or	or	CCONJ
cblr-14253	154	30	loan	loan	NOUN
cblr-14253	154	31	officer	officer	NOUN
cblr-14253	154	32	at	at	ADP
cblr-14253	154	33	a	a	DET
cblr-14253	154	34	bank	bank	NOUN
cblr-14253	154	35	or	or	CCONJ
cblr-14253	154	36	other	other	ADJ
cblr-14253	154	37	finance	finance	NOUN
cblr-14253	154	38	company	company	NOUN
cblr-14253	154	39	to	to	PART
cblr-14253	154	40	discuss	discuss	VERB
cblr-14253	154	41	financing	financing	NOUN
cblr-14253	154	42	options	option	NOUN
cblr-14253	154	43	,	,	PUNCT
cblr-14253	154	44	gather	gather	VERB
cblr-14253	154	45	necessary	necessary	ADJ
cblr-14253	154	46	documents	document	NOUN
cblr-14253	154	47	,	,	PUNCT
cblr-14253	154	48	and	and	CCONJ
cblr-14253	154	49	submit	submit	VERB
cblr-14253	154	50	a	a	DET
cblr-14253	154	51	loan	loan	NOUN
cblr-14253	154	52	application	application	NOUN
cblr-14253	154	53	.	.	PUNCT
cblr-14253	155	1	within	within	ADP
cblr-14253	155	2	three	three	NUM
cblr-14253	155	3	days	day	NOUN
cblr-14253	155	4	after	after	ADP
cblr-14253	155	5	receiving	receive	VERB
cblr-14253	155	6	a	a	DET
cblr-14253	155	7	25	25	NUM
cblr-14253	155	8	michelle	michelle	PROPN
cblr-14253	155	9	l.	l.	PROPN
cblr-14253	155	10	evans	evans	PROPN
cblr-14253	155	11	,	,	PUNCT
cblr-14253	155	12	real	real	ADJ
cblr-14253	155	13	estate	estate	NOUN
cblr-14253	155	14	brokers	broker	NOUN
cblr-14253	155	15	as	as	ADP
cblr-14253	155	16	agents	agent	NOUN
cblr-14253	155	17	,	,	PUNCT
cblr-14253	155	18	45	45	NUM
cblr-14253	155	19	am	am	NOUN
cblr-14253	155	20	.	.	PUNCT
cblr-14253	155	21	juris	juri	VERB
cblr-14253	155	22	.	.	PUNCT
cblr-14253	156	1	proof	proof	NOUN
cblr-14253	156	2	of	of	ADP
cblr-14253	156	3	facts	fact	NOUN
cblr-14253	156	4	3d	3d	NOUN
cblr-14253	156	5	453	453	NUM
cblr-14253	156	6	,	,	PUNCT
cblr-14253	156	7	§	§	PROPN
cblr-14253	156	8	5	5	NUM
cblr-14253	156	9	(	(	PUNCT
cblr-14253	156	10	1998	1998	NUM
cblr-14253	156	11	&	&	CCONJ
cblr-14253	156	12	supp	supp	PROPN
cblr-14253	156	13	.	.	PUNCT
cblr-14253	157	1	nov	nov	PROPN
cblr-14253	157	2	.	.	PROPN
cblr-14253	157	3	2024	2024	NUM
cblr-14253	157	4	)	)	PUNCT
cblr-14253	157	5	.	.	PUNCT
cblr-14253	158	1	26	26	NUM
cblr-14253	158	2	lori	lori	PROPN
cblr-14253	158	3	s.	s.	PROPN
cblr-14253	158	4	herman	herman	PROPN
cblr-14253	158	5	,	,	PUNCT
cblr-14253	158	6	resolving	resolve	VERB
cblr-14253	158	7	real	real	ADJ
cblr-14253	158	8	estate	estate	NOUN
cblr-14253	158	9	broker	broker	NOUN
cblr-14253	158	10	’s	’s	PART
cblr-14253	158	11	disputes	dispute	NOUN
cblr-14253	158	12	,	,	PUNCT
cblr-14253	158	13	88	88	NUM
cblr-14253	158	14	am	am	NOUN
cblr-14253	158	15	.	.	PUNCT
cblr-14253	159	1	juris	juris	PROPN
cblr-14253	159	2	.	.	PUNCT
cblr-14253	160	1	trials	trial	NOUN
cblr-14253	160	2	321	321	NUM
cblr-14253	160	3	(	(	PUNCT
cblr-14253	160	4	2003	2003	NUM
cblr-14253	160	5	&	&	CCONJ
cblr-14253	160	6	supp	supp	PROPN
cblr-14253	160	7	.	.	PUNCT
cblr-14253	161	1	nov	nov	PROPN
cblr-14253	161	2	.	.	PROPN
cblr-14253	161	3	2024	2024	NUM
cblr-14253	161	4	)	)	PUNCT
cblr-14253	161	5	.	.	PUNCT
cblr-14253	162	1	27	27	NUM
cblr-14253	162	2	a.	a.	NOUN
cblr-14253	162	3	j.	j.	PROPN
cblr-14253	162	4	jarmel	jarmel	PROPN
cblr-14253	162	5	,	,	PUNCT
cblr-14253	162	6	listing	list	VERB
cblr-14253	162	7	agent	agent	NOUN
cblr-14253	162	8	vs.	vs.	ADP
cblr-14253	162	9	selling	sell	VERB
cblr-14253	162	10	agent	agent	NOUN
cblr-14253	162	11	:	:	PUNCT
cblr-14253	162	12	what	what	PRON
cblr-14253	162	13	’s	’	VERB
cblr-14253	162	14	the	the	DET
cblr-14253	162	15	difference	difference	NOUN
cblr-14253	162	16	?	?	PUNCT
cblr-14253	162	17	,	,	PUNCT
cblr-14253	162	18	bankrate	bankrate	PROPN
cblr-14253	162	19	(	(	PUNCT
cblr-14253	162	20	may	may	PROPN
cblr-14253	162	21	12	12	NUM
cblr-14253	162	22	,	,	PUNCT
cblr-14253	162	23	2023	2023	NUM
cblr-14253	162	24	)	)	PUNCT
cblr-14253	162	25	,	,	PUNCT
cblr-14253	162	26	https://www.bankrate.com/real-estate/listingagent-selling-agent-whats-the-difference/	https://www.bankrate.com/real-estate/listingagent-selling-agent-whats-the-difference/	VERB
cblr-14253	163	1	[	[	X
cblr-14253	163	2	https://perma.cc/v4mk-6jrb	https://perma.cc/v4mk-6jrb	X
cblr-14253	163	3	]	]	X
cblr-14253	163	4	;	;	PUNCT
cblr-14253	163	5	mary	mary	PROPN
cblr-14253	163	6	szto	szto	PROPN
cblr-14253	163	7	,	,	PUNCT
cblr-14253	163	8	dual	dual	ADJ
cblr-14253	163	9	real	real	ADJ
cblr-14253	163	10	estate	estate	NOUN
cblr-14253	163	11	agents	agent	NOUN
cblr-14253	163	12	and	and	CCONJ
cblr-14253	163	13	the	the	DET
cblr-14253	163	14	double	double	ADJ
cblr-14253	163	15	duty	duty	NOUN
cblr-14253	163	16	of	of	ADP
cblr-14253	163	17	loyalty	loyalty	NOUN
cblr-14253	163	18	,	,	PUNCT
cblr-14253	163	19	41	41	NUM
cblr-14253	163	20	real	real	ADJ
cblr-14253	163	21	est	est	NOUN
cblr-14253	163	22	.	.	PUNCT
cblr-14253	164	1	l.j	l.j	PROPN
cblr-14253	164	2	.	.	PROPN
cblr-14253	164	3	22	22	NUM
cblr-14253	164	4	,	,	PUNCT
cblr-14253	164	5	33	33	NUM
cblr-14253	164	6	(	(	PUNCT
cblr-14253	164	7	2012	2012	NUM
cblr-14253	164	8	)	)	PUNCT
cblr-14253	164	9	.	.	PUNCT
cblr-14253	165	1	the	the	DET
cblr-14253	165	2	variation	variation	NOUN
cblr-14253	165	3	in	in	ADP
cblr-14253	165	4	naming	name	VERB
cblr-14253	165	5	conventions	convention	NOUN
cblr-14253	165	6	for	for	ADP
cblr-14253	165	7	agents	agent	NOUN
cblr-14253	165	8	assisting	assist	VERB
cblr-14253	165	9	home	home	NOUN
cblr-14253	165	10	buyers	buyer	NOUN
cblr-14253	165	11	is	be	AUX
cblr-14253	165	12	due	due	ADJ
cblr-14253	165	13	,	,	PUNCT
cblr-14253	165	14	in	in	ADP
cblr-14253	165	15	part	part	NOUN
cblr-14253	165	16	,	,	PUNCT
cblr-14253	165	17	to	to	ADP
cblr-14253	165	18	legal	legal	ADJ
cblr-14253	165	19	complexities	complexity	NOUN
cblr-14253	165	20	in	in	ADP
cblr-14253	165	21	the	the	DET
cblr-14253	165	22	relationship	relationship	NOUN
cblr-14253	165	23	of	of	ADP
cblr-14253	165	24	a	a	DET
cblr-14253	165	25	buyer	buyer	NOUN
cblr-14253	165	26	’s	’s	PART
cblr-14253	165	27	agent	agent	NOUN
cblr-14253	165	28	to	to	ADP
cblr-14253	165	29	the	the	DET
cblr-14253	165	30	buyer	buyer	NOUN
cblr-14253	165	31	.	.	PUNCT
cblr-14253	166	1	see	see	VERB
cblr-14253	166	2	joint	joint	ADJ
cblr-14253	166	3	ftc	ftc	PROPN
cblr-14253	166	4	-	-	PUNCT
cblr-14253	166	5	doj	doj	PROPN
cblr-14253	166	6	report	report	NOUN
cblr-14253	166	7	,	,	PUNCT
cblr-14253	166	8	supra	supra	PROPN
cblr-14253	166	9	note	note	PROPN
cblr-14253	166	10	22	22	NUM
cblr-14253	166	11	,	,	PUNCT
cblr-14253	166	12	at	at	ADP
cblr-14253	166	13	8	8	NUM
cblr-14253	166	14	.	.	PUNCT
cblr-14253	167	1	in	in	ADP
cblr-14253	167	2	some	some	DET
cblr-14253	167	3	states	state	NOUN
cblr-14253	167	4	it	it	PRON
cblr-14253	167	5	is	be	AUX
cblr-14253	167	6	common	common	ADJ
cblr-14253	167	7	for	for	SCONJ
cblr-14253	167	8	the	the	DET
cblr-14253	167	9	agent	agent	NOUN
cblr-14253	167	10	assisting	assist	VERB
cblr-14253	167	11	the	the	DET
cblr-14253	167	12	buyer	buyer	NOUN
cblr-14253	167	13	to	to	PART
cblr-14253	167	14	owe	owe	VERB
cblr-14253	167	15	a	a	DET
cblr-14253	167	16	legal	legal	ADJ
cblr-14253	167	17	duty	duty	NOUN
cblr-14253	167	18	to	to	ADP
cblr-14253	167	19	the	the	DET
cblr-14253	167	20	seller	seller	NOUN
cblr-14253	167	21	as	as	ADP
cblr-14253	167	22	a	a	DET
cblr-14253	167	23	subagent	subagent	NOUN
cblr-14253	167	24	of	of	ADP
cblr-14253	167	25	the	the	DET
cblr-14253	167	26	listing	list	VERB
cblr-14253	167	27	agent	agent	NOUN
cblr-14253	167	28	–	–	PUNCT
cblr-14253	167	29	rendering	render	VERB
cblr-14253	167	30	the	the	DET
cblr-14253	167	31	more	more	ADV
cblr-14253	167	32	intuitive	intuitive	ADJ
cblr-14253	167	33	label	label	NOUN
cblr-14253	167	34	“	"	PUNCT
cblr-14253	167	35	buyer	buyer	NOUN
cblr-14253	167	36	’s	’s	PART
cblr-14253	167	37	agent	agent	NOUN
cblr-14253	167	38	”	"	PUNCT
cblr-14253	167	39	legally	legally	ADV
cblr-14253	167	40	inaccurate	inaccurate	ADJ
cblr-14253	167	41	.	.	PUNCT
cblr-14253	168	1	matthew	matthew	PROPN
cblr-14253	168	2	m.	m.	PROPN
cblr-14253	168	3	collette	collette	PROPN
cblr-14253	168	4	,	,	PUNCT
cblr-14253	168	5	sub	sub	NOUN
cblr-14253	168	6	-	-	NOUN
cblr-14253	168	7	agency	agency	NOUN
cblr-14253	168	8	in	in	ADP
cblr-14253	168	9	residential	residential	ADJ
cblr-14253	168	10	real	real	ADJ
cblr-14253	168	11	estate	estate	NOUN
cblr-14253	168	12	brokerage	brokerage	NOUN
cblr-14253	168	13	:	:	PUNCT
cblr-14253	168	14	a	a	DET
cblr-14253	168	15	proposal	proposal	NOUN
cblr-14253	168	16	to	to	PART
cblr-14253	168	17	end	end	VERB
cblr-14253	168	18	the	the	DET
cblr-14253	168	19	struggle	struggle	NOUN
cblr-14253	168	20	with	with	ADP
cblr-14253	168	21	reality	reality	NOUN
cblr-14253	168	22	,	,	PUNCT
cblr-14253	168	23	61	61	NUM
cblr-14253	168	24	s.	s.	PROPN
cblr-14253	168	25	cal	cal	PROPN
cblr-14253	168	26	.	.	PUNCT
cblr-14253	169	1	l.	l.	PROPN
cblr-14253	169	2	rev	rev	PROPN
cblr-14253	169	3	.	.	PROPN
cblr-14253	169	4	399	399	NUM
cblr-14253	169	5	,	,	PUNCT
cblr-14253	169	6	401	401	NUM
cblr-14253	169	7	(	(	PUNCT
cblr-14253	169	8	1988	1988	NUM
cblr-14253	169	9	)	)	PUNCT
cblr-14253	169	10	(	(	PUNCT
cblr-14253	169	11	“	"	PUNCT
cblr-14253	169	12	brokers	broker	NOUN
cblr-14253	169	13	do	do	AUX
cblr-14253	169	14	not	not	PART
cblr-14253	169	15	know	know	VERB
cblr-14253	169	16	who	who	PRON
cblr-14253	169	17	they	they	PRON
cblr-14253	169	18	represent	represent	VERB
cblr-14253	169	19	.	.	PUNCT
cblr-14253	170	1	consumers	consumer	NOUN
cblr-14253	170	2	do	do	AUX
cblr-14253	170	3	not	not	PART
cblr-14253	170	4	know	know	VERB
cblr-14253	170	5	who	who	PRON
cblr-14253	170	6	represents	represent	VERB
cblr-14253	170	7	them	they	PRON
cblr-14253	170	8	.	.	PUNCT
cblr-14253	171	1	the	the	DET
cblr-14253	171	2	cause	cause	NOUN
cblr-14253	171	3	of	of	ADP
cblr-14253	171	4	much	much	ADJ
cblr-14253	171	5	of	of	ADP
cblr-14253	171	6	this	this	DET
cblr-14253	171	7	confusion	confusion	NOUN
cblr-14253	171	8	is	be	AUX
cblr-14253	171	9	the	the	DET
cblr-14253	171	10	doctrine	doctrine	NOUN
cblr-14253	171	11	of	of	ADP
cblr-14253	171	12	‘	'	PUNCT
cblr-14253	171	13	subagency	subagency	NOUN
cblr-14253	171	14	,	,	PUNCT
cblr-14253	171	15	’	'	PUNCT
cblr-14253	171	16	by	by	ADP
cblr-14253	171	17	which	which	PRON
cblr-14253	171	18	two	two	NUM
cblr-14253	171	19	brokers	broker	NOUN
cblr-14253	171	20	in	in	ADP
cblr-14253	171	21	a	a	DET
cblr-14253	171	22	real	real	ADJ
cblr-14253	171	23	estate	estate	NOUN
cblr-14253	171	24	transaction	transaction	NOUN
cblr-14253	171	25	both	both	PRON
cblr-14253	171	26	represent	represent	VERB
cblr-14253	171	27	the	the	DET
cblr-14253	171	28	seller	seller	NOUN
cblr-14253	171	29	.	.	PUNCT
cblr-14253	171	30	”	"	PUNCT
cblr-14253	171	31	)	)	PUNCT
cblr-14253	171	32	.	.	PUNCT
cblr-14253	172	1	see	see	VERB
cblr-14253	172	2	also	also	ADV
cblr-14253	172	3	james	james	PROPN
cblr-14253	172	4	a.	a.	PROPN
cblr-14253	172	5	bryant	bryant	PROPN
cblr-14253	172	6	&	&	CCONJ
cblr-14253	172	7	donald	donald	PROPN
cblr-14253	172	8	r.	r.	PROPN
cblr-14253	172	9	epley	epley	PROPN
cblr-14253	172	10	,	,	PUNCT
cblr-14253	172	11	the	the	DET
cblr-14253	172	12	conditions	condition	NOUN
cblr-14253	172	13	and	and	CCONJ
cblr-14253	172	14	perils	peril	NOUN
cblr-14253	172	15	of	of	ADP
cblr-14253	172	16	agency	agency	NOUN
cblr-14253	172	17	,	,	PUNCT
cblr-14253	172	18	dual	dual	ADJ
cblr-14253	172	19	agency	agency	NOUN
cblr-14253	172	20	,	,	PUNCT
cblr-14253	172	21	and	and	CCONJ
cblr-14253	172	22	undisclosed	undisclosed	ADJ
cblr-14253	172	23	agency	agency	NOUN
cblr-14253	172	24	,	,	PUNCT
cblr-14253	172	25	21	21	NUM
cblr-14253	172	26	real	real	ADJ
cblr-14253	172	27	est	est	NOUN
cblr-14253	172	28	.	.	PUNCT
cblr-14253	173	1	l.j	l.j	PROPN
cblr-14253	173	2	.	.	PROPN
cblr-14253	173	3	117	117	NUM
cblr-14253	173	4	,	,	PUNCT
cblr-14253	173	5	120	120	NUM
cblr-14253	173	6	(	(	PUNCT
cblr-14253	173	7	1992	1992	NUM
cblr-14253	173	8	)	)	PUNCT
cblr-14253	173	9	;	;	PUNCT
cblr-14253	173	10	joseph	joseph	PROPN
cblr-14253	173	11	m.	m.	PROPN
cblr-14253	173	12	grohman	grohman	PROPN
cblr-14253	173	13	,	,	PUNCT
cblr-14253	173	14	a	a	DET
cblr-14253	173	15	reassessment	reassessment	NOUN
cblr-14253	173	16	of	of	ADP
cblr-14253	173	17	the	the	DET
cblr-14253	173	18	selling	sell	VERB
cblr-14253	173	19	real	real	ADJ
cblr-14253	173	20	estate	estate	NOUN
cblr-14253	173	21	broker	broker	NOUN
cblr-14253	173	22	’s	’s	PART
cblr-14253	173	23	agency	agency	PROPN
cblr-14253	173	24	relationship	relationship	NOUN
cblr-14253	173	25	with	with	ADP
cblr-14253	173	26	the	the	DET
cblr-14253	173	27	purchaser	purchaser	NOUN
cblr-14253	173	28	,	,	PUNCT
cblr-14253	173	29	61	61	NUM
cblr-14253	173	30	st	st	PROPN
cblr-14253	173	31	.	.	PROPN
cblr-14253	173	32	john	john	PROPN
cblr-14253	173	33	's	's	PART
cblr-14253	173	34	l.	l.	PROPN
cblr-14253	173	35	rev	rev	PROPN
cblr-14253	173	36	.	.	PROPN
cblr-14253	173	37	560	560	NUM
cblr-14253	173	38	,	,	PUNCT
cblr-14253	173	39	562–63	562–63	NUM
cblr-14253	173	40	(	(	PUNCT
cblr-14253	173	41	1987	1987	NUM
cblr-14253	173	42	)	)	PUNCT
cblr-14253	173	43	.	.	PUNCT
cblr-14253	174	1	28	28	NUM
cblr-14253	174	2	while	while	SCONJ
cblr-14253	174	3	real	real	ADJ
cblr-14253	174	4	-	-	PUNCT
cblr-14253	174	5	estate	estate	NOUN
cblr-14253	174	6	agents	agent	NOUN
cblr-14253	174	7	are	be	AUX
cblr-14253	174	8	often	often	ADV
cblr-14253	174	9	colloquially	colloquially	ADV
cblr-14253	174	10	known	know	VERB
cblr-14253	174	11	as	as	ADP
cblr-14253	174	12	“	"	PUNCT
cblr-14253	174	13	realtors	realtor	NOUN
cblr-14253	174	14	,	,	PUNCT
cblr-14253	174	15	”	"	PUNCT
cblr-14253	174	16	that	that	DET
cblr-14253	174	17	term	term	NOUN
cblr-14253	174	18	is	be	AUX
cblr-14253	174	19	trademarked	trademark	VERB
cblr-14253	174	20	by	by	ADP
cblr-14253	174	21	the	the	DET
cblr-14253	174	22	national	national	PROPN
cblr-14253	174	23	association	association	PROPN
cblr-14253	174	24	of	of	ADP
cblr-14253	174	25	realtors	realtor	NOUN
cblr-14253	174	26	and	and	CCONJ
cblr-14253	174	27	refers	refer	VERB
cblr-14253	174	28	only	only	ADV
cblr-14253	174	29	to	to	ADP
cblr-14253	174	30	real	real	ADJ
cblr-14253	174	31	-	-	PUNCT
cblr-14253	174	32	estate	estate	NOUN
cblr-14253	174	33	agents	agent	NOUN
cblr-14253	174	34	who	who	PRON
cblr-14253	174	35	are	be	AUX
cblr-14253	174	36	active	active	ADJ
cblr-14253	174	37	,	,	PUNCT
cblr-14253	174	38	dues	due	NOUN
cblr-14253	174	39	-	-	PUNCT
cblr-14253	174	40	paying	pay	VERB
cblr-14253	174	41	members	member	NOUN
cblr-14253	174	42	of	of	ADP
cblr-14253	174	43	the	the	DET
cblr-14253	174	44	industry	industry	NOUN
cblr-14253	174	45	’s	’s	PART
cblr-14253	174	46	largest	large	ADJ
cblr-14253	174	47	trade	trade	NOUN
cblr-14253	174	48	association	association	NOUN
cblr-14253	174	49	.	.	PUNCT
cblr-14253	175	1	real	real	ADJ
cblr-14253	175	2	estate	estate	NOUN
cblr-14253	175	3	topics	topic	NOUN
cblr-14253	175	4	:	:	PUNCT
cblr-14253	175	5	being	be	AUX
cblr-14253	175	6	a	a	DET
cblr-14253	175	7	real	real	ADJ
cblr-14253	175	8	estate	estate	NOUN
cblr-14253	175	9	professional	professional	NOUN
cblr-14253	175	10	,	,	PUNCT
cblr-14253	175	11	nat’l	nat’l	NOUN
cblr-14253	175	12	ass’n	ass’n	NOUN
cblr-14253	175	13	of	of	ADP
cblr-14253	175	14	realtors	realtor	NOUN
cblr-14253	175	15	,	,	PUNCT
cblr-14253	175	16	https://www.nar.realtor/being-areal-estate-professional	https://www.nar.realtor/being-areal-estate-professional	PROPN
cblr-14253	175	17	[	[	X
cblr-14253	175	18	https://perma.cc/2gbl-fps8	https://perma.cc/2gbl-fps8	PROPN
cblr-14253	175	19	]	]	X
cblr-14253	175	20	(	(	PUNCT
cblr-14253	175	21	last	last	ADJ
cblr-14253	175	22	visited	visit	VERB
cblr-14253	175	23	feb	feb	PROPN
cblr-14253	175	24	.	.	PROPN
cblr-14253	175	25	9	9	NUM
cblr-14253	175	26	,	,	PUNCT
cblr-14253	175	27	2025	2025	NUM
cblr-14253	175	28	)	)	PUNCT
cblr-14253	175	29	.	.	PUNCT
cblr-14253	176	1	no	no	INTJ
cblr-14253	176	2	.	.	NOUN
cblr-14253	177	1	1	1	NUM
cblr-14253	177	2	]	]	PUNCT
cblr-14253	177	3	corrupt	corrupt	ADJ
cblr-14253	177	4	joint	joint	ADJ
cblr-14253	177	5	ventures	venture	NOUN
cblr-14253	177	6	401	401	NUM
cblr-14253	177	7	completed	complete	VERB
cblr-14253	177	8	loan	loan	NOUN
cblr-14253	177	9	application	application	NOUN
cblr-14253	177	10	,	,	PUNCT
cblr-14253	177	11	federal	federal	ADJ
cblr-14253	177	12	law	law	NOUN
cblr-14253	177	13	requires	require	VERB
cblr-14253	177	14	the	the	DET
cblr-14253	177	15	mortgage	mortgage	NOUN
cblr-14253	177	16	lender	lender	NOUN
cblr-14253	177	17	to	to	PART
cblr-14253	177	18	provide	provide	VERB
cblr-14253	177	19	the	the	DET
cblr-14253	177	20	consumer	consumer	NOUN
cblr-14253	177	21	with	with	ADP
cblr-14253	177	22	a	a	DET
cblr-14253	177	23	“	"	PUNCT
cblr-14253	177	24	loan	loan	NOUN
cblr-14253	177	25	estimate	estimate	NOUN
cblr-14253	177	26	.	.	PUNCT
cblr-14253	178	1	”29	”29	PUNCT
cblr-14253	178	2	this	this	DET
cblr-14253	178	3	disclosure	disclosure	NOUN
cblr-14253	178	4	is	be	AUX
cblr-14253	178	5	designed	design	VERB
cblr-14253	178	6	to	to	PART
cblr-14253	178	7	allow	allow	VERB
cblr-14253	178	8	borrowers	borrower	NOUN
cblr-14253	178	9	the	the	DET
cblr-14253	178	10	time	time	NOUN
cblr-14253	178	11	to	to	PART
cblr-14253	178	12	ask	ask	VERB
cblr-14253	178	13	their	their	PRON
cblr-14253	178	14	lender	lender	NOUN
cblr-14253	178	15	any	any	DET
cblr-14253	178	16	additional	additional	ADJ
cblr-14253	178	17	questions	question	NOUN
cblr-14253	178	18	and	and	CCONJ
cblr-14253	178	19	consider	consider	VERB
cblr-14253	178	20	shopping	shop	VERB
cblr-14253	178	21	for	for	ADP
cblr-14253	178	22	an	an	DET
cblr-14253	178	23	alternative	alternative	ADJ
cblr-14253	178	24	loan	loan	NOUN
cblr-14253	178	25	or	or	CCONJ
cblr-14253	178	26	lender	lender	NOUN
cblr-14253	178	27	.	.	PUNCT
cblr-14253	179	1	consumers	consumer	NOUN
cblr-14253	179	2	also	also	ADV
cblr-14253	179	3	typically	typically	ADV
cblr-14253	179	4	require	require	VERB
cblr-14253	179	5	services	service	NOUN
cblr-14253	179	6	from	from	ADP
cblr-14253	179	7	a	a	DET
cblr-14253	179	8	property	property	NOUN
cblr-14253	179	9	and	and	CCONJ
cblr-14253	179	10	pest	pest	NOUN
cblr-14253	179	11	inspector	inspector	NOUN
cblr-14253	179	12	,	,	PUNCT
cblr-14253	179	13	a	a	DET
cblr-14253	179	14	homevalue	homevalue	NOUN
cblr-14253	179	15	appraiser	appraiser	NOUN
cblr-14253	179	16	,	,	PUNCT
cblr-14253	179	17	and	and	CCONJ
cblr-14253	179	18	one	one	NUM
cblr-14253	179	19	or	or	CCONJ
cblr-14253	179	20	more	more	ADJ
cblr-14253	179	21	credit	credit	NOUN
cblr-14253	179	22	-	-	PUNCT
cblr-14253	179	23	reporting	report	VERB
cblr-14253	179	24	agencies	agency	NOUN
cblr-14253	179	25	—	—	PUNCT
cblr-14253	179	26	all	all	PRON
cblr-14253	179	27	of	of	ADP
cblr-14253	179	28	which	which	PRON
cblr-14253	179	29	are	be	AUX
cblr-14253	179	30	generally	generally	ADV
cblr-14253	179	31	needed	need	VERB
cblr-14253	179	32	to	to	PART
cblr-14253	179	33	qualify	qualify	VERB
cblr-14253	179	34	for	for	ADP
cblr-14253	179	35	financing	financing	NOUN
cblr-14253	179	36	or	or	CCONJ
cblr-14253	179	37	satisfy	satisfy	VERB
cblr-14253	179	38	contract	contract	NOUN
cblr-14253	179	39	contingencies	contingency	NOUN
cblr-14253	179	40	.	.	PUNCT
cblr-14253	180	1	meanwhile	meanwhile	ADV
cblr-14253	180	2	,	,	PUNCT
cblr-14253	180	3	in	in	ADP
cblr-14253	180	4	most	most	ADJ
cblr-14253	180	5	states	state	NOUN
cblr-14253	180	6	,	,	PUNCT
cblr-14253	180	7	a	a	DET
cblr-14253	180	8	title	title	NOUN
cblr-14253	180	9	-	-	PUNCT
cblr-14253	180	10	insurance	insurance	NOUN
cblr-14253	180	11	company	company	NOUN
cblr-14253	180	12	conducts	conduct	VERB
cblr-14253	180	13	a	a	DET
cblr-14253	180	14	title	title	NOUN
cblr-14253	180	15	search	search	NOUN
cblr-14253	180	16	to	to	PART
cblr-14253	180	17	determine	determine	VERB
cblr-14253	180	18	whether	whether	SCONJ
cblr-14253	180	19	the	the	DET
cblr-14253	180	20	seller	seller	NOUN
cblr-14253	180	21	can	can	AUX
cblr-14253	180	22	deliver	deliver	VERB
cblr-14253	180	23	an	an	DET
cblr-14253	180	24	insurable	insurable	ADJ
cblr-14253	180	25	title	title	NOUN
cblr-14253	180	26	to	to	ADP
cblr-14253	180	27	the	the	DET
cblr-14253	180	28	buyer	buyer	NOUN
cblr-14253	180	29	and	and	CCONJ
cblr-14253	180	30	generally	generally	ADV
cblr-14253	180	31	convey	convey	VERB
cblr-14253	180	32	the	the	DET
cblr-14253	180	33	property	property	NOUN
cblr-14253	180	34	free	free	ADJ
cblr-14253	180	35	and	and	CCONJ
cblr-14253	180	36	clear	clear	ADJ
cblr-14253	180	37	of	of	ADP
cblr-14253	180	38	any	any	DET
cblr-14253	180	39	liens	lien	NOUN
cblr-14253	180	40	or	or	CCONJ
cblr-14253	180	41	other	other	ADJ
cblr-14253	180	42	legal	legal	ADJ
cblr-14253	180	43	issues.30	issues.30	VERB
cblr-14253	180	44	mortgage	mortgage	NOUN
cblr-14253	180	45	lenders	lender	NOUN
cblr-14253	180	46	require	require	VERB
cblr-14253	180	47	a	a	DET
cblr-14253	180	48	title	title	NOUN
cblr-14253	180	49	policy	policy	NOUN
cblr-14253	180	50	to	to	PART
cblr-14253	180	51	protect	protect	VERB
cblr-14253	180	52	their	their	PRON
cblr-14253	180	53	investment	investment	NOUN
cblr-14253	180	54	in	in	ADP
cblr-14253	180	55	the	the	DET
cblr-14253	180	56	mortgage	mortgage	NOUN
cblr-14253	180	57	loan	loan	NOUN
cblr-14253	180	58	and	and	CCONJ
cblr-14253	180	59	to	to	PART
cblr-14253	180	60	facilitate	facilitate	VERB
cblr-14253	180	61	assigning	assign	VERB
cblr-14253	180	62	the	the	DET
cblr-14253	180	63	mortgage	mortgage	NOUN
cblr-14253	180	64	loan	loan	NOUN
cblr-14253	180	65	to	to	ADP
cblr-14253	180	66	subsequent	subsequent	ADJ
cblr-14253	180	67	assignees.31	assignees.31	PROPN
cblr-14253	180	68	although	although	SCONJ
cblr-14253	180	69	titleinsurance	titleinsurance	NOUN
cblr-14253	180	70	norms	norm	NOUN
cblr-14253	180	71	and	and	CCONJ
cblr-14253	180	72	rules	rule	NOUN
cblr-14253	180	73	vary	vary	VERB
cblr-14253	180	74	considerably	considerably	ADV
cblr-14253	180	75	from	from	ADP
cblr-14253	180	76	state	state	NOUN
cblr-14253	180	77	to	to	ADP
cblr-14253	180	78	state	state	NOUN
cblr-14253	180	79	,	,	PUNCT
cblr-14253	180	80	most	most	ADJ
cblr-14253	180	81	title	title	NOUN
cblr-14253	180	82	companies	company	NOUN
cblr-14253	180	83	rely	rely	VERB
cblr-14253	180	84	on	on	ADP
cblr-14253	180	85	a	a	DET
cblr-14253	180	86	handful	handful	NOUN
cblr-14253	180	87	of	of	ADP
cblr-14253	180	88	large	large	ADJ
cblr-14253	180	89	titlereinsurance	titlereinsurance	NOUN
cblr-14253	180	90	firms	firm	NOUN
cblr-14253	180	91	to	to	PART
cblr-14253	180	92	assume	assume	VERB
cblr-14253	180	93	the	the	DET
cblr-14253	180	94	liability	liability	NOUN
cblr-14253	180	95	for	for	ADP
cblr-14253	180	96	the	the	DET
cblr-14253	180	97	titleinsurance	titleinsurance	NOUN
cblr-14253	180	98	policy.32	policy.32	NOUN
cblr-14253	180	99	in	in	ADP
cblr-14253	180	100	many	many	ADJ
cblr-14253	180	101	states	state	NOUN
cblr-14253	180	102	,	,	PUNCT
cblr-14253	180	103	the	the	DET
cblr-14253	180	104	title	title	NOUN
cblr-14253	180	105	company	company	NOUN
cblr-14253	180	106	also	also	ADV
cblr-14253	180	107	acts	act	VERB
cblr-14253	180	108	as	as	ADP
cblr-14253	180	109	a	a	DET
cblr-14253	180	110	settlement	settlement	NOUN
cblr-14253	180	111	-	-	PUNCT
cblr-14253	180	112	services	service	NOUN
cblr-14253	180	113	provider	provider	NOUN
cblr-14253	180	114	,	,	PUNCT
cblr-14253	180	115	holding	hold	VERB
cblr-14253	180	116	funds	fund	NOUN
cblr-14253	180	117	in	in	ADP
cblr-14253	180	118	escrow	escrow	NOUN
cblr-14253	180	119	,	,	PUNCT
cblr-14253	180	120	coordinating	coordinate	VERB
cblr-14253	180	121	the	the	DET
cblr-14253	180	122	closing	closing	NOUN
cblr-14253	180	123	,	,	PUNCT
cblr-14253	180	124	hosting	host	VERB
cblr-14253	180	125	software	software	NOUN
cblr-14253	180	126	to	to	PART
cblr-14253	180	127	compile	compile	VERB
cblr-14253	180	128	documents	document	NOUN
cblr-14253	180	129	,	,	PUNCT
cblr-14253	180	130	and	and	CCONJ
cblr-14253	180	131	ultimately	ultimately	ADV
cblr-14253	180	132	dispersing	disperse	VERB
cblr-14253	180	133	funds	fund	NOUN
cblr-14253	180	134	to	to	ADP
cblr-14253	180	135	the	the	DET
cblr-14253	180	136	various	various	ADJ
cblr-14253	180	137	parties.33	parties.33	NOUN
cblr-14253	180	138	unlike	unlike	ADP
cblr-14253	180	139	most	most	ADJ
cblr-14253	180	140	forms	form	NOUN
cblr-14253	180	141	of	of	ADP
cblr-14253	180	142	insurance	insurance	NOUN
cblr-14253	180	143	,	,	PUNCT
cblr-14253	180	144	a	a	DET
cblr-14253	180	145	significant	significant	ADJ
cblr-14253	180	146	portion	portion	NOUN
cblr-14253	180	147	of	of	ADP
cblr-14253	180	148	title	title	NOUN
cblr-14253	180	149	-	-	PUNCT
cblr-14253	180	150	insurance	insurance	NOUN
cblr-14253	180	151	premiums	premium	NOUN
cblr-14253	180	152	cover	cover	VERB
cblr-14253	180	153	the	the	DET
cblr-14253	180	154	cost	cost	NOUN
cblr-14253	180	155	of	of	ADP
cblr-14253	180	156	settlement	settlement	NOUN
cblr-14253	180	157	services	service	NOUN
cblr-14253	180	158	rather	rather	ADV
cblr-14253	180	159	than	than	ADP
cblr-14253	180	160	paying	pay	VERB
cblr-14253	180	161	claims.34	claims.34	ADJ
cblr-14253	180	162	federal	federal	ADJ
cblr-14253	180	163	law	law	NOUN
cblr-14253	180	164	requires	require	VERB
cblr-14253	180	165	29	29	NUM
cblr-14253	180	166	see	see	VERB
cblr-14253	180	167	12	12	NUM
cblr-14253	180	168	c.f.r	c.f.r	NOUN
cblr-14253	180	169	.	.	PUNCT
cblr-14253	181	1	§	§	PROPN
cblr-14253	181	2	1024.7	1024.7	NUM
cblr-14253	181	3	.	.	PUNCT
cblr-14253	181	4	30	30	NUM
cblr-14253	181	5	alan	alan	PROPN
cblr-14253	181	6	s.	s.	PROPN
cblr-14253	181	7	gutterman	gutterman	PROPN
cblr-14253	181	8	,	,	PUNCT
cblr-14253	181	9	business	business	NOUN
cblr-14253	181	10	transactions	transaction	NOUN
cblr-14253	181	11	solutions	solution	NOUN
cblr-14253	181	12	§	§	PROPN
cblr-14253	181	13	113:37	113:37	NUM
cblr-14253	181	14	,	,	PUNCT
cblr-14253	181	15	at	at	ADP
cblr-14253	181	16	¶	¶	PROPN
cblr-14253	181	17	4.1	4.1	NUM
cblr-14253	181	18	(	(	PUNCT
cblr-14253	181	19	2024	2024	NUM
cblr-14253	181	20	)	)	PUNCT
cblr-14253	181	21	.	.	PUNCT
cblr-14253	181	22	31	31	NUM
cblr-14253	181	23	margaret	margaret	PROPN
cblr-14253	181	24	c.	c.	PROPN
cblr-14253	181	25	jasper	jasper	PROPN
cblr-14253	181	26	,	,	PUNCT
cblr-14253	181	27	home	home	NOUN
cblr-14253	181	28	mortgage	mortgage	NOUN
cblr-14253	181	29	law	law	NOUN
cblr-14253	181	30	primer	primer	NOUN
cblr-14253	181	31	§	§	PROPN
cblr-14253	181	32	4:3	4:3	NUM
cblr-14253	181	33	(	(	PUNCT
cblr-14253	181	34	2011	2011	NUM
cblr-14253	181	35	)	)	PUNCT
cblr-14253	181	36	.	.	PUNCT
cblr-14253	182	1	32	32	NUM
cblr-14253	182	2	u.s	u.s	PROPN
cblr-14253	182	3	.	.	PROPN
cblr-14253	182	4	gov’t	gov’t	PROPN
cblr-14253	182	5	accountability	accountability	NOUN
cblr-14253	182	6	off	off	ADP
cblr-14253	182	7	.	.	PUNCT
cblr-14253	183	1	,	,	PUNCT
cblr-14253	183	2	gao-07	gao-07	NOUN
cblr-14253	183	3	-	-	SYM
cblr-14253	183	4	401	401	NUM
cblr-14253	183	5	,	,	PUNCT
cblr-14253	183	6	title	title	NOUN
cblr-14253	183	7	insurance	insurance	NOUN
cblr-14253	183	8	:	:	PUNCT
cblr-14253	183	9	actions	action	NOUN
cblr-14253	183	10	needed	need	VERB
cblr-14253	183	11	to	to	PART
cblr-14253	183	12	improve	improve	VERB
cblr-14253	183	13	oversight	oversight	NOUN
cblr-14253	183	14	of	of	ADP
cblr-14253	183	15	the	the	DET
cblr-14253	183	16	title	title	NOUN
cblr-14253	183	17	industry	industry	NOUN
cblr-14253	183	18	and	and	CCONJ
cblr-14253	183	19	better	well	ADJ
cblr-14253	183	20	protect	protect	VERB
cblr-14253	183	21	consumers	consumer	NOUN
cblr-14253	183	22	11	11	NUM
cblr-14253	183	23	(	(	PUNCT
cblr-14253	183	24	apr	apr	PROPN
cblr-14253	183	25	.	.	PROPN
cblr-14253	183	26	2007	2007	NUM
cblr-14253	183	27	)	)	PUNCT
cblr-14253	184	1	[	[	X
cblr-14253	184	2	hereinafter	hereinafter	NOUN
cblr-14253	184	3	gao	gao	PROPN
cblr-14253	184	4	report	report	PROPN
cblr-14253	184	5	]	]	PUNCT
cblr-14253	184	6	.	.	PUNCT
cblr-14253	185	1	where	where	SCONJ
cblr-14253	185	2	allowed	allow	VERB
cblr-14253	185	3	by	by	ADP
cblr-14253	185	4	state	state	NOUN
cblr-14253	185	5	law	law	NOUN
cblr-14253	185	6	,	,	PUNCT
cblr-14253	185	7	many	many	ADJ
cblr-14253	185	8	larger	large	ADJ
cblr-14253	185	9	title	title	NOUN
cblr-14253	185	10	reinsurance	reinsurance	NOUN
cblr-14253	185	11	companies	company	NOUN
cblr-14253	185	12	also	also	ADV
cblr-14253	185	13	operate	operate	VERB
cblr-14253	185	14	a	a	DET
cblr-14253	185	15	network	network	NOUN
cblr-14253	185	16	of	of	ADP
cblr-14253	185	17	affiliated	affiliate	VERB
cblr-14253	185	18	title	title	NOUN
cblr-14253	185	19	insurance	insurance	NOUN
cblr-14253	185	20	agents	agent	NOUN
cblr-14253	185	21	that	that	PRON
cblr-14253	185	22	sell	sell	VERB
cblr-14253	185	23	insurance	insurance	NOUN
cblr-14253	185	24	directly	directly	ADV
cblr-14253	185	25	without	without	ADP
cblr-14253	185	26	a	a	DET
cblr-14253	185	27	smaller	small	ADJ
cblr-14253	185	28	,	,	PUNCT
cblr-14253	185	29	independent	independent	ADJ
cblr-14253	185	30	title	title	NOUN
cblr-14253	185	31	insurance	insurance	NOUN
cblr-14253	185	32	business	business	NOUN
cblr-14253	185	33	.	.	PUNCT
cblr-14253	186	1	i	i	PRON
cblr-14253	186	2	d.	d.	PROPN
cblr-14253	186	3	at	at	ADP
cblr-14253	186	4	11–12	11–12	NUM
cblr-14253	186	5	.	.	PUNCT
cblr-14253	187	1	the	the	DET
cblr-14253	187	2	structure	structure	NOUN
cblr-14253	187	3	of	of	ADP
cblr-14253	187	4	the	the	DET
cblr-14253	187	5	title	title	NOUN
cblr-14253	187	6	industry	industry	NOUN
cblr-14253	187	7	in	in	ADP
cblr-14253	187	8	each	each	DET
cblr-14253	187	9	state	state	NOUN
cblr-14253	187	10	varies	vary	VERB
cblr-14253	187	11	based	base	VERB
cblr-14253	187	12	on	on	ADP
cblr-14253	187	13	historical	historical	ADJ
cblr-14253	187	14	norms	norm	NOUN
cblr-14253	187	15	,	,	PUNCT
cblr-14253	187	16	local	local	ADJ
cblr-14253	187	17	regulation	regulation	NOUN
cblr-14253	187	18	,	,	PUNCT
cblr-14253	187	19	and	and	CCONJ
cblr-14253	187	20	tax	tax	NOUN
cblr-14253	187	21	policy	policy	NOUN
cblr-14253	187	22	.	.	PUNCT
cblr-14253	188	1	i	i	PRON
cblr-14253	188	2	d.	d.	PROPN
cblr-14253	188	3	33	33	NUM
cblr-14253	188	4	andrew	andrew	PROPN
cblr-14253	188	5	g.	g.	PROPN
cblr-14253	188	6	pfizor	pfizor	PROPN
cblr-14253	188	7	et	et	PROPN
cblr-14253	188	8	al	al	PROPN
cblr-14253	188	9	.	.	PROPN
cblr-14253	188	10	,	,	PUNCT
cblr-14253	188	11	mortgage	mortgage	NOUN
cblr-14253	188	12	lending	lending	NOUN
cblr-14253	188	13	§	§	PROPN
cblr-14253	188	14	1.5.9	1.5.9	PROPN
cblr-14253	188	15	(	(	PUNCT
cblr-14253	188	16	4th	4th	ADJ
cblr-14253	188	17	ed	ed	NOUN
cblr-14253	188	18	.	.	PUNCT
cblr-14253	188	19	2024	2024	NUM
cblr-14253	188	20	)	)	PUNCT
cblr-14253	188	21	.	.	PUNCT
cblr-14253	189	1	34	34	NUM
cblr-14253	189	2	gao	gao	PROPN
cblr-14253	189	3	report	report	PROPN
cblr-14253	189	4	,	,	PUNCT
cblr-14253	189	5	supra	supra	PROPN
cblr-14253	189	6	note	note	NOUN
cblr-14253	189	7	32	32	NUM
cblr-14253	189	8	,	,	PUNCT
cblr-14253	189	9	at	at	ADP
cblr-14253	189	10	17–21	17–21	NUM
cblr-14253	189	11	.	.	PUNCT
cblr-14253	189	12	402	402	NUM
cblr-14253	189	13	columbia	columbia	PROPN
cblr-14253	189	14	business	business	NOUN
cblr-14253	189	15	law	law	PROPN
cblr-14253	189	16	review	review	NOUN
cblr-14253	189	17	[	[	X
cblr-14253	189	18	vol	vol	NOUN
cblr-14253	189	19	.	.	PUNCT
cblr-14253	189	20	2025	2025	NUM
cblr-14253	189	21	mortgage	mortgage	NOUN
cblr-14253	189	22	lenders	lender	NOUN
cblr-14253	189	23	to	to	PART
cblr-14253	189	24	provide	provide	VERB
cblr-14253	189	25	a	a	DET
cblr-14253	189	26	“	"	PUNCT
cblr-14253	189	27	closing	close	VERB
cblr-14253	189	28	disclosure	disclosure	NOUN
cblr-14253	189	29	”	"	PUNCT
cblr-14253	189	30	no	no	ADV
cblr-14253	189	31	later	later	ADV
cblr-14253	189	32	than	than	SCONJ
cblr-14253	189	33	three	three	NUM
cblr-14253	189	34	business	business	NOUN
cblr-14253	189	35	days	day	NOUN
cblr-14253	189	36	before	before	ADP
cblr-14253	189	37	consummation.35	consummation.35	NOUN
cblr-14253	189	38	finally	finally	ADV
cblr-14253	189	39	,	,	PUNCT
cblr-14253	189	40	on	on	ADP
cblr-14253	189	41	the	the	DET
cblr-14253	189	42	closing	closing	NOUN
cblr-14253	189	43	day	day	NOUN
cblr-14253	189	44	,	,	PUNCT
cblr-14253	189	45	the	the	DET
cblr-14253	189	46	parties	party	NOUN
cblr-14253	189	47	involved	involve	VERB
cblr-14253	189	48	,	,	PUNCT
cblr-14253	189	49	including	include	VERB
cblr-14253	189	50	the	the	DET
cblr-14253	189	51	buyer	buyer	NOUN
cblr-14253	189	52	,	,	PUNCT
cblr-14253	189	53	seller	seller	NOUN
cblr-14253	189	54	,	,	PUNCT
cblr-14253	189	55	attorneys	attorney	NOUN
cblr-14253	189	56	,	,	PUNCT
cblr-14253	189	57	real	real	ADJ
cblr-14253	189	58	-	-	PUNCT
cblr-14253	189	59	estate	estate	NOUN
cblr-14253	189	60	agents	agent	NOUN
cblr-14253	189	61	,	,	PUNCT
cblr-14253	189	62	mortgage	mortgage	NOUN
cblr-14253	189	63	lender	lender	NOUN
cblr-14253	189	64	,	,	PUNCT
cblr-14253	189	65	and	and	CCONJ
cblr-14253	189	66	title	title	NOUN
cblr-14253	189	67	-	-	PUNCT
cblr-14253	189	68	insurance	insurance	NOUN
cblr-14253	189	69	representatives	representative	NOUN
cblr-14253	189	70	,	,	PUNCT
cblr-14253	189	71	come	come	VERB
cblr-14253	189	72	together	together	ADV
cblr-14253	189	73	(	(	PUNCT
cblr-14253	189	74	increasingly	increasingly	ADV
cblr-14253	189	75	virtually	virtually	ADV
cblr-14253	189	76	)	)	PUNCT
cblr-14253	189	77	to	to	PART
cblr-14253	189	78	finalize	finalize	VERB
cblr-14253	189	79	the	the	DET
cblr-14253	189	80	transaction	transaction	NOUN
cblr-14253	189	81	.	.	PUNCT
cblr-14253	190	1	coordinating	coordinate	VERB
cblr-14253	190	2	all	all	DET
cblr-14253	190	3	these	these	DET
cblr-14253	190	4	stakeholders	stakeholder	NOUN
cblr-14253	190	5	can	can	AUX
cblr-14253	190	6	be	be	AUX
cblr-14253	190	7	timeconsuming	timeconsuming	ADJ
cblr-14253	190	8	and	and	CCONJ
cblr-14253	190	9	costly	costly	ADJ
cblr-14253	190	10	.	.	PUNCT
cblr-14253	191	1	a	a	DET
cblr-14253	191	2	delay	delay	NOUN
cblr-14253	191	3	in	in	ADP
cblr-14253	191	4	any	any	DET
cblr-14253	191	5	part	part	NOUN
cblr-14253	191	6	of	of	ADP
cblr-14253	191	7	the	the	DET
cblr-14253	191	8	process	process	NOUN
cblr-14253	191	9	can	can	AUX
cblr-14253	191	10	ripple	ripple	VERB
cblr-14253	191	11	through	through	ADP
cblr-14253	191	12	the	the	DET
cblr-14253	191	13	entire	entire	ADJ
cblr-14253	191	14	transaction	transaction	NOUN
cblr-14253	191	15	,	,	PUNCT
cblr-14253	191	16	leading	lead	VERB
cblr-14253	191	17	to	to	ADP
cblr-14253	191	18	prolonged	prolonged	ADJ
cblr-14253	191	19	wait	wait	PROPN
cblr-14253	191	20	times	time	NOUN
cblr-14253	191	21	for	for	SCONJ
cblr-14253	191	22	consumers	consumer	NOUN
cblr-14253	191	23	and	and	CCONJ
cblr-14253	191	24	changes	change	NOUN
cblr-14253	191	25	in	in	ADP
cblr-14253	191	26	the	the	DET
cblr-14253	191	27	costs	cost	NOUN
cblr-14253	191	28	to	to	PART
cblr-14253	191	29	be	be	AUX
cblr-14253	191	30	disclosed	disclose	VERB
cblr-14253	191	31	.	.	PUNCT
cblr-14253	192	1	the	the	DET
cblr-14253	192	2	consumer	consumer	NOUN
cblr-14253	192	3	financial	financial	PROPN
cblr-14253	192	4	protection	protection	PROPN
cblr-14253	192	5	bureau	bureau	PROPN
cblr-14253	192	6	’s	’s	PART
cblr-14253	192	7	truth	truth	NOUN
cblr-14253	192	8	-	-	PUNCT
cblr-14253	192	9	in	in	ADP
cblr-14253	192	10	-	-	PUNCT
cblr-14253	192	11	lending	lending	NOUN
cblr-14253	192	12	and	and	CCONJ
cblr-14253	192	13	real	real	ADJ
cblr-14253	192	14	estate	estate	NOUN
cblr-14253	192	15	settlement	settlement	NOUN
cblr-14253	192	16	procedures	procedure	NOUN
cblr-14253	192	17	act	act	VERB
cblr-14253	192	18	integrated	integrate	VERB
cblr-14253	192	19	disclosures	disclosure	NOUN
cblr-14253	192	20	(	(	PUNCT
cblr-14253	192	21	known	know	VERB
cblr-14253	192	22	in	in	ADP
cblr-14253	192	23	the	the	DET
cblr-14253	192	24	industry	industry	NOUN
cblr-14253	192	25	as	as	ADP
cblr-14253	192	26	“	"	PUNCT
cblr-14253	192	27	trid	trid	PROPN
cblr-14253	192	28	”	"	PUNCT
cblr-14253	192	29	)	)	PUNCT
cblr-14253	192	30	aim	aim	VERB
cblr-14253	192	31	to	to	PART
cblr-14253	192	32	make	make	VERB
cblr-14253	192	33	the	the	DET
cblr-14253	192	34	mortgage	mortgage	NOUN
cblr-14253	192	35	and	and	CCONJ
cblr-14253	192	36	closing	closing	NOUN
cblr-14253	192	37	process	process	NOUN
cblr-14253	192	38	more	more	ADV
cblr-14253	192	39	transparent	transparent	ADJ
cblr-14253	192	40	for	for	ADP
cblr-14253	192	41	consumers	consumer	NOUN
cblr-14253	192	42	by	by	ADP
cblr-14253	192	43	requiring	require	VERB
cblr-14253	192	44	lenders	lender	NOUN
cblr-14253	192	45	to	to	PART
cblr-14253	192	46	provide	provide	VERB
cblr-14253	192	47	detailed	detailed	ADJ
cblr-14253	192	48	loan	loan	NOUN
cblr-14253	192	49	estimates	estimate	NOUN
cblr-14253	192	50	and	and	CCONJ
cblr-14253	192	51	closing	close	VERB
cblr-14253	192	52	disclosures.36	disclosures.36	NOUN
cblr-14253	192	53	but	but	CCONJ
cblr-14253	192	54	these	these	DET
cblr-14253	192	55	regulations	regulation	NOUN
cblr-14253	192	56	also	also	ADV
cblr-14253	192	57	come	come	VERB
cblr-14253	192	58	with	with	ADP
cblr-14253	192	59	extensive	extensive	ADJ
cblr-14253	192	60	documentation	documentation	NOUN
cblr-14253	192	61	and	and	CCONJ
cblr-14253	192	62	compliance	compliance	NOUN
cblr-14253	192	63	requirements	requirement	NOUN
cblr-14253	192	64	that	that	PRON
cblr-14253	192	65	reflect	reflect	VERB
cblr-14253	192	66	the	the	DET
cblr-14253	192	67	complexity	complexity	NOUN
cblr-14253	192	68	of	of	ADP
cblr-14253	192	69	the	the	DET
cblr-14253	192	70	modern	modern	ADJ
cblr-14253	192	71	realestate	realestate	NOUN
cblr-14253	192	72	industry	industry	NOUN
cblr-14253	192	73	.	.	PUNCT
cblr-14253	193	1	mortgage	mortgage	NOUN
cblr-14253	193	2	lenders	lender	NOUN
cblr-14253	193	3	and	and	CCONJ
cblr-14253	193	4	settlement	settlement	NOUN
cblr-14253	193	5	-	-	PUNCT
cblr-14253	193	6	services	service	NOUN
cblr-14253	193	7	providers	provider	NOUN
cblr-14253	193	8	must	must	AUX
cblr-14253	193	9	navigate	navigate	VERB
cblr-14253	193	10	complex	complex	ADJ
cblr-14253	193	11	rules	rule	NOUN
cblr-14253	193	12	,	,	PUNCT
cblr-14253	193	13	forms	form	NOUN
cblr-14253	193	14	,	,	PUNCT
cblr-14253	193	15	and	and	CCONJ
cblr-14253	193	16	timelines	timeline	NOUN
cblr-14253	193	17	,	,	PUNCT
cblr-14253	193	18	which	which	PRON
cblr-14253	193	19	can	can	AUX
cblr-14253	193	20	slow	slow	VERB
cblr-14253	193	21	the	the	DET
cblr-14253	193	22	process	process	NOUN
cblr-14253	193	23	and	and	CCONJ
cblr-14253	193	24	create	create	VERB
cblr-14253	193	25	opportunities	opportunity	NOUN
cblr-14253	193	26	for	for	ADP
cblr-14253	193	27	errors	error	NOUN
cblr-14253	193	28	or	or	CCONJ
cblr-14253	193	29	misunderstanding	misunderstanding	NOUN
cblr-14253	193	30	.	.	PUNCT
cblr-14253	194	1	real	real	ADJ
cblr-14253	194	2	-	-	PUNCT
cblr-14253	194	3	estate	estate	NOUN
cblr-14253	194	4	transactions	transaction	NOUN
cblr-14253	194	5	are	be	AUX
cblr-14253	194	6	also	also	ADV
cblr-14253	194	7	subject	subject	ADJ
cblr-14253	194	8	to	to	ADP
cblr-14253	194	9	state	state	NOUN
cblr-14253	194	10	regulations	regulation	NOUN
cblr-14253	194	11	,	,	PUNCT
cblr-14253	194	12	which	which	PRON
cblr-14253	194	13	can	can	AUX
cblr-14253	194	14	vary	vary	VERB
cblr-14253	194	15	significantly.37	significantly.37	NOUN
cblr-14253	194	16	real	real	ADJ
cblr-14253	194	17	-	-	PUNCT
cblr-14253	194	18	estate	estate	NOUN
cblr-14253	194	19	transactions	transaction	NOUN
cblr-14253	194	20	often	often	ADV
cblr-14253	194	21	involve	involve	VERB
cblr-14253	194	22	negotiations	negotiation	NOUN
cblr-14253	194	23	between	between	ADP
cblr-14253	194	24	buyers	buyer	NOUN
cblr-14253	194	25	and	and	CCONJ
cblr-14253	194	26	sellers	seller	NOUN
cblr-14253	194	27	regarding	regard	VERB
cblr-14253	194	28	repairs	repair	NOUN
cblr-14253	194	29	,	,	PUNCT
cblr-14253	194	30	contingencies	contingency	NOUN
cblr-14253	194	31	,	,	PUNCT
cblr-14253	194	32	and	and	CCONJ
cblr-14253	194	33	contract	contract	NOUN
cblr-14253	194	34	terms	term	NOUN
cblr-14253	194	35	.	.	PUNCT
cblr-14253	195	1	these	these	DET
cblr-14253	195	2	negotiations	negotiation	NOUN
cblr-14253	195	3	can	can	AUX
cblr-14253	195	4	be	be	AUX
cblr-14253	195	5	protracted	protract	VERB
cblr-14253	195	6	,	,	PUNCT
cblr-14253	195	7	cause	cause	VERB
cblr-14253	195	8	compliance	compliance	NOUN
cblr-14253	195	9	challenges	challenge	NOUN
cblr-14253	195	10	with	with	ADP
cblr-14253	195	11	federal	federal	ADJ
cblr-14253	195	12	or	or	CCONJ
cblr-14253	195	13	state	state	NOUN
cblr-14253	195	14	rules	rule	NOUN
cblr-14253	195	15	,	,	PUNCT
cblr-14253	195	16	and	and	CCONJ
cblr-14253	195	17	further	far	ADV
cblr-14253	195	18	extend	extend	VERB
cblr-14253	195	19	the	the	DET
cblr-14253	195	20	time	time	NOUN
cblr-14253	195	21	that	that	PRON
cblr-14253	195	22	it	it	PRON
cblr-14253	195	23	takes	take	VERB
cblr-14253	195	24	to	to	PART
cblr-14253	195	25	reach	reach	VERB
cblr-14253	195	26	a	a	DET
cblr-14253	195	27	closing	closing	NOUN
cblr-14253	195	28	.	.	PUNCT
cblr-14253	196	1	when	when	SCONJ
cblr-14253	196	2	closing	closing	NOUN
cblr-14253	196	3	is	be	AUX
cblr-14253	196	4	imminent	imminent	ADJ
cblr-14253	196	5	,	,	PUNCT
cblr-14253	196	6	consumers	consumer	NOUN
cblr-14253	196	7	face	face	VERB
cblr-14253	196	8	real	real	ADJ
cblr-14253	196	9	pressure	pressure	NOUN
cblr-14253	196	10	to	to	PART
cblr-14253	196	11	ignore	ignore	VERB
cblr-14253	196	12	the	the	DET
cblr-14253	196	13	costs	cost	NOUN
cblr-14253	196	14	35	35	NUM
cblr-14253	196	15	12	12	NUM
cblr-14253	196	16	c.f.r	c.f.r	NOUN
cblr-14253	196	17	.	.	PUNCT
cblr-14253	197	1	§	§	PROPN
cblr-14253	197	2	1026.19(f)(1)(ii)(a	1026.19(f)(1)(ii)(a	NUM
cblr-14253	197	3	)	)	PUNCT
cblr-14253	197	4	.	.	PUNCT
cblr-14253	198	1	36	36	NUM
cblr-14253	198	2	consumer	consumer	NOUN
cblr-14253	198	3	fin	fin	NOUN
cblr-14253	198	4	.	.	PUNCT
cblr-14253	199	1	prot	prot	PROPN
cblr-14253	199	2	.	.	PUNCT
cblr-14253	200	1	bureau	bureau	PROPN
cblr-14253	200	2	,	,	PUNCT
cblr-14253	200	3	tila	tila	PROPN
cblr-14253	200	4	-	-	PUNCT
cblr-14253	200	5	respa	respa	NOUN
cblr-14253	200	6	integrated	integrate	VERB
cblr-14253	200	7	disclosure	disclosure	NOUN
cblr-14253	200	8	:	:	PUNCT
cblr-14253	200	9	guide	guide	VERB
cblr-14253	200	10	to	to	ADP
cblr-14253	200	11	the	the	DET
cblr-14253	200	12	loan	loan	NOUN
cblr-14253	200	13	estimate	estimate	NOUN
cblr-14253	200	14	and	and	CCONJ
cblr-14253	200	15	closing	closing	NOUN
cblr-14253	200	16	disclosure	disclosure	NOUN
cblr-14253	200	17	forms	form	NOUN
cblr-14253	200	18	7–8	7–8	NOUN
cblr-14253	200	19	(	(	PUNCT
cblr-14253	200	20	dec	dec	PROPN
cblr-14253	200	21	.	.	PROPN
cblr-14253	200	22	2017	2017	NUM
cblr-14253	200	23	)	)	PUNCT
cblr-14253	200	24	,	,	PUNCT
cblr-14253	200	25	https://files.consumerfinance.gov/f/documents/cfpb_kbyo_guide-to-loanestimate-and-closing-disclosure-forms_v2.0.pdf	https://files.consumerfinance.gov/f/documents/cfpb_kbyo_guide-to-loanestimate-and-closing-disclosure-forms_v2.0.pdf	X
cblr-14253	201	1	[	[	X
cblr-14253	201	2	https://perma.cc/8cqr83kk	https://perma.cc/8cqr83kk	X
cblr-14253	201	3	]	]	X
cblr-14253	201	4	.	.	PUNCT
cblr-14253	202	1	37	37	NUM
cblr-14253	202	2	see	see	VERB
cblr-14253	202	3	andrew	andrew	PROPN
cblr-14253	202	4	g.	g.	PROPN
cblr-14253	202	5	pfizor	pfizor	PROPN
cblr-14253	202	6	et	et	PROPN
cblr-14253	202	7	al	al	PROPN
cblr-14253	202	8	.	.	PROPN
cblr-14253	202	9	,	,	PUNCT
cblr-14253	202	10	mortgage	mortgage	NOUN
cblr-14253	202	11	lending	lending	NOUN
cblr-14253	202	12	§	§	PROPN
cblr-14253	202	13	5.1	5.1	NUM
cblr-14253	202	14	(	(	PUNCT
cblr-14253	202	15	4th	4th	ADJ
cblr-14253	202	16	ed	ed	NOUN
cblr-14253	202	17	.	.	PROPN
cblr-14253	202	18	2024	2024	NUM
cblr-14253	202	19	)	)	PUNCT
cblr-14253	202	20	(	(	PUNCT
cblr-14253	202	21	providing	provide	VERB
cblr-14253	202	22	an	an	DET
cblr-14253	202	23	introductory	introductory	ADJ
cblr-14253	202	24	overview	overview	NOUN
cblr-14253	202	25	to	to	ADP
cblr-14253	202	26	state	state	NOUN
cblr-14253	202	27	mortgage	mortgage	NOUN
cblr-14253	202	28	lending	lending	NOUN
cblr-14253	202	29	regulation	regulation	NOUN
cblr-14253	202	30	)	)	PUNCT
cblr-14253	202	31	.	.	PUNCT
cblr-14253	203	1	no	no	INTJ
cblr-14253	203	2	.	.	NOUN
cblr-14253	204	1	1	1	NUM
cblr-14253	204	2	]	]	PUNCT
cblr-14253	204	3	corrupt	corrupt	ADJ
cblr-14253	204	4	joint	joint	ADJ
cblr-14253	204	5	ventures	venture	NOUN
cblr-14253	204	6	403	403	NUM
cblr-14253	204	7	of	of	ADP
cblr-14253	204	8	various	various	ADJ
cblr-14253	204	9	settlement	settlement	NOUN
cblr-14253	204	10	services	service	NOUN
cblr-14253	204	11	to	to	PART
cblr-14253	204	12	avoid	avoid	VERB
cblr-14253	204	13	jeopardizing	jeopardize	VERB
cblr-14253	204	14	a	a	DET
cblr-14253	204	15	deal	deal	NOUN
cblr-14253	204	16	that	that	PRON
cblr-14253	204	17	may	may	AUX
cblr-14253	204	18	have	have	AUX
cblr-14253	204	19	been	be	AUX
cblr-14253	204	20	months	month	NOUN
cblr-14253	204	21	in	in	ADP
cblr-14253	204	22	the	the	DET
cblr-14253	204	23	making	making	NOUN
cblr-14253	204	24	.	.	PUNCT
cblr-14253	205	1	at	at	ADP
cblr-14253	205	2	the	the	DET
cblr-14253	205	3	same	same	ADJ
cblr-14253	205	4	time	time	NOUN
cblr-14253	205	5	,	,	PUNCT
cblr-14253	205	6	most	most	ADJ
cblr-14253	205	7	consumers	consumer	NOUN
cblr-14253	205	8	do	do	AUX
cblr-14253	205	9	not	not	PART
cblr-14253	205	10	understand	understand	VERB
cblr-14253	205	11	settlement	settlement	NOUN
cblr-14253	205	12	services	service	NOUN
cblr-14253	205	13	.	.	PUNCT
cblr-14253	206	1	for	for	ADP
cblr-14253	206	2	many	many	ADJ
cblr-14253	206	3	people	people	NOUN
cblr-14253	206	4	,	,	PUNCT
cblr-14253	206	5	these	these	DET
cblr-14253	206	6	products	product	NOUN
cblr-14253	206	7	are	be	AUX
cblr-14253	206	8	a	a	DET
cblr-14253	206	9	one	one	NUM
cblr-14253	206	10	-	-	PUNCT
cblr-14253	206	11	time	time	NOUN
cblr-14253	206	12	purchase	purchase	NOUN
cblr-14253	206	13	that	that	PRON
cblr-14253	206	14	represents	represent	VERB
cblr-14253	206	15	a	a	DET
cblr-14253	206	16	relatively	relatively	ADV
cblr-14253	206	17	modest	modest	ADJ
cblr-14253	206	18	cost	cost	NOUN
cblr-14253	206	19	in	in	ADP
cblr-14253	206	20	comparison	comparison	NOUN
cblr-14253	206	21	to	to	ADP
cblr-14253	206	22	the	the	DET
cblr-14253	206	23	purchase	purchase	NOUN
cblr-14253	206	24	price	price	NOUN
cblr-14253	206	25	of	of	ADP
cblr-14253	206	26	the	the	DET
cblr-14253	206	27	land	land	NOUN
cblr-14253	206	28	and	and	CCONJ
cblr-14253	206	29	the	the	DET
cblr-14253	206	30	finance	finance	NOUN
cblr-14253	206	31	charges	charge	NOUN
cblr-14253	206	32	on	on	ADP
cblr-14253	206	33	the	the	DET
cblr-14253	206	34	buyer	buyer	NOUN
cblr-14253	206	35	’s	’s	PART
cblr-14253	206	36	mortgage	mortgage	NOUN
cblr-14253	206	37	loan.38	loan.38	PROPN
cblr-14253	206	38	title	title	NOUN
cblr-14253	206	39	charges	charge	NOUN
cblr-14253	206	40	,	,	PUNCT
cblr-14253	206	41	including	include	VERB
cblr-14253	206	42	the	the	DET
cblr-14253	206	43	cost	cost	NOUN
cblr-14253	206	44	of	of	ADP
cblr-14253	206	45	title	title	NOUN
cblr-14253	206	46	insurance	insurance	NOUN
cblr-14253	206	47	,	,	PUNCT
cblr-14253	206	48	is	be	AUX
cblr-14253	206	49	particularly	particularly	ADV
cblr-14253	206	50	opaque	opaque	ADJ
cblr-14253	206	51	for	for	ADP
cblr-14253	206	52	most	most	ADV
cblr-14253	206	53	prospective	prospective	ADJ
cblr-14253	206	54	home	home	NOUN
cblr-14253	206	55	buyers.39	buyers.39	NOUN
cblr-14253	206	56	unlike	unlike	ADP
cblr-14253	206	57	most	most	ADJ
cblr-14253	206	58	insurance	insurance	NOUN
cblr-14253	206	59	,	,	PUNCT
cblr-14253	206	60	titleinsurance	titleinsurance	NOUN
cblr-14253	206	61	premiums	premium	NOUN
cblr-14253	206	62	are	be	AUX
cblr-14253	206	63	non	non	ADJ
cblr-14253	206	64	-	-	ADJ
cblr-14253	206	65	recurring	recurring	ADJ
cblr-14253	206	66	—	—	PUNCT
cblr-14253	206	67	giving	give	VERB
cblr-14253	206	68	consumers	consumer	NOUN
cblr-14253	206	69	only	only	ADV
cblr-14253	206	70	a	a	DET
cblr-14253	206	71	single	single	ADJ
cblr-14253	206	72	up	up	ADP
cblr-14253	206	73	-	-	PUNCT
cblr-14253	206	74	front	front	NOUN
cblr-14253	206	75	opportunity	opportunity	NOUN
cblr-14253	206	76	to	to	PART
cblr-14253	206	77	compare	compare	VERB
cblr-14253	206	78	prices	price	NOUN
cblr-14253	206	79	.	.	PUNCT
cblr-14253	207	1	variation	variation	NOUN
cblr-14253	207	2	in	in	ADP
cblr-14253	207	3	state	state	NOUN
cblr-14253	207	4	and	and	CCONJ
cblr-14253	207	5	local	local	ADJ
cblr-14253	207	6	market	market	NOUN
cblr-14253	207	7	practices	practice	NOUN
cblr-14253	207	8	,	,	PUNCT
cblr-14253	207	9	technical	technical	ADJ
cblr-14253	207	10	legal	legal	ADJ
cblr-14253	207	11	terminology	terminology	NOUN
cblr-14253	207	12	,	,	PUNCT
cblr-14253	207	13	and	and	CCONJ
cblr-14253	207	14	imperfect	imperfect	ADJ
cblr-14253	207	15	price	price	NOUN
cblr-14253	207	16	-	-	PUNCT
cblr-14253	207	17	disclosure	disclosure	NOUN
cblr-14253	207	18	regimes	regime	NOUN
cblr-14253	207	19	all	all	PRON
cblr-14253	207	20	make	make	VERB
cblr-14253	207	21	it	it	PRON
cblr-14253	207	22	difficult	difficult	ADJ
cblr-14253	207	23	for	for	SCONJ
cblr-14253	207	24	consumers	consumer	NOUN
cblr-14253	207	25	to	to	PART
cblr-14253	207	26	engage	engage	VERB
cblr-14253	207	27	in	in	ADP
cblr-14253	207	28	effective	effective	ADJ
cblr-14253	207	29	comparison	comparison	NOUN
cblr-14253	207	30	shopping.40	shopping.40	NOUN
cblr-14253	207	31	many	many	ADJ
cblr-14253	207	32	consumers	consumer	NOUN
cblr-14253	207	33	may	may	AUX
cblr-14253	207	34	not	not	PART
cblr-14253	207	35	realize	realize	VERB
cblr-14253	207	36	that	that	SCONJ
cblr-14253	207	37	unless	unless	SCONJ
cblr-14253	207	38	they	they	PRON
cblr-14253	207	39	pay	pay	VERB
cblr-14253	207	40	for	for	ADP
cblr-14253	207	41	an	an	DET
cblr-14253	207	42	“	"	PUNCT
cblr-14253	207	43	owner	owner	NOUN
cblr-14253	207	44	’s	’s	PART
cblr-14253	207	45	title	title	NOUN
cblr-14253	207	46	insurance	insurance	NOUN
cblr-14253	207	47	policy	policy	NOUN
cblr-14253	207	48	,	,	PUNCT
cblr-14253	207	49	”	"	PUNCT
cblr-14253	207	50	a	a	DET
cblr-14253	207	51	“	"	PUNCT
cblr-14253	207	52	lender	lender	NOUN
cblr-14253	207	53	’s	’s	PART
cblr-14253	207	54	title	title	NOUN
cblr-14253	207	55	insurance	insurance	NOUN
cblr-14253	207	56	policy	policy	NOUN
cblr-14253	207	57	”	"	PUNCT
cblr-14253	207	58	only	only	ADV
cblr-14253	207	59	protects	protect	VERB
cblr-14253	207	60	the	the	DET
cblr-14253	207	61	lender	lender	NOUN
cblr-14253	207	62	—	—	PUNCT
cblr-14253	207	63	even	even	ADV
cblr-14253	207	64	though	though	SCONJ
cblr-14253	207	65	it	it	PRON
cblr-14253	207	66	is	be	AUX
cblr-14253	207	67	the	the	DET
cblr-14253	207	68	consumer	consumer	NOUN
cblr-14253	207	69	who	who	PRON
cblr-14253	207	70	pays	pay	VERB
cblr-14253	207	71	the	the	DET
cblr-14253	207	72	premium.41	premium.41	NOUN
cblr-14253	207	73	moreover	moreover	ADV
cblr-14253	207	74	,	,	PUNCT
cblr-14253	207	75	because	because	SCONJ
cblr-14253	207	76	mortgage	mortgage	NOUN
cblr-14253	207	77	lenders	lender	NOUN
cblr-14253	207	78	do	do	AUX
cblr-14253	207	79	not	not	PART
cblr-14253	207	80	pay	pay	VERB
cblr-14253	207	81	for	for	ADP
cblr-14253	207	82	the	the	DET
cblr-14253	207	83	title	title	NOUN
cblr-14253	207	84	-	-	PUNCT
cblr-14253	207	85	insurance	insurance	NOUN
cblr-14253	207	86	policies	policy	NOUN
cblr-14253	207	87	that	that	PRON
cblr-14253	207	88	protect	protect	VERB
cblr-14253	207	89	their	their	PRON
cblr-14253	207	90	investments	investment	NOUN
cblr-14253	207	91	,	,	PUNCT
cblr-14253	207	92	lenders	lender	NOUN
cblr-14253	207	93	do	do	AUX
cblr-14253	207	94	not	not	PART
cblr-14253	207	95	have	have	VERB
cblr-14253	207	96	an	an	DET
cblr-14253	207	97	incentive	incentive	NOUN
cblr-14253	207	98	to	to	PART
cblr-14253	207	99	bargain	bargain	VERB
cblr-14253	207	100	for	for	ADP
cblr-14253	207	101	a	a	DET
cblr-14253	207	102	competitive	competitive	ADJ
cblr-14253	207	103	premium.42	premium.42	ADP
cblr-14253	207	104	38	38	NUM
cblr-14253	207	105	joseph	joseph	PROPN
cblr-14253	207	106	w.	w.	PROPN
cblr-14253	207	107	eaton	eaton	PROPN
cblr-14253	207	108	&	&	CCONJ
cblr-14253	207	109	david	david	PROPN
cblr-14253	207	110	j.	j.	PROPN
cblr-14253	207	111	eaton	eaton	PROPN
cblr-14253	207	112	,	,	PUNCT
cblr-14253	207	113	the	the	DET
cblr-14253	207	114	american	american	ADJ
cblr-14253	207	115	title	title	PROPN
cblr-14253	207	116	insurance	insurance	NOUN
cblr-14253	207	117	industry	industry	NOUN
cblr-14253	207	118	28–30	28–30	PROPN
cblr-14253	207	119	(	(	PUNCT
cblr-14253	207	120	2007	2007	NUM
cblr-14253	207	121	)	)	PUNCT
cblr-14253	207	122	.	.	PUNCT
cblr-14253	208	1	39	39	NUM
cblr-14253	209	1	i	i	PRON
cblr-14253	209	2	d.	d.	PROPN
cblr-14253	209	3	at	at	ADP
cblr-14253	209	4	78–80	78–80	PROPN
cblr-14253	209	5	;	;	PUNCT
cblr-14253	209	6	lauren	lauren	PROPN
cblr-14253	209	7	e.	e.	PROPN
cblr-14253	209	8	willis	willis	PROPN
cblr-14253	209	9	,	,	PUNCT
cblr-14253	209	10	decisionmaking	decisionmake	VERB
cblr-14253	209	11	and	and	CCONJ
cblr-14253	209	12	the	the	DET
cblr-14253	209	13	limits	limit	NOUN
cblr-14253	209	14	of	of	ADP
cblr-14253	209	15	disclosure	disclosure	NOUN
cblr-14253	209	16	:	:	PUNCT
cblr-14253	209	17	the	the	DET
cblr-14253	209	18	problem	problem	NOUN
cblr-14253	209	19	of	of	ADP
cblr-14253	209	20	predatory	predatory	ADJ
cblr-14253	209	21	lending	lending	NOUN
cblr-14253	209	22	:	:	PUNCT
cblr-14253	209	23	price	price	NOUN
cblr-14253	209	24	,	,	PUNCT
cblr-14253	209	25	65	65	NUM
cblr-14253	209	26	md	md	PROPN
cblr-14253	209	27	.	.	PUNCT
cblr-14253	209	28	l.	l.	PROPN
cblr-14253	209	29	rev	rev	PROPN
cblr-14253	209	30	.	.	PROPN
cblr-14253	210	1	707	707	NUM
cblr-14253	210	2	,	,	PUNCT
cblr-14253	210	3	750	750	NUM
cblr-14253	210	4	(	(	PUNCT
cblr-14253	210	5	2006	2006	NUM
cblr-14253	210	6	)	)	PUNCT
cblr-14253	210	7	40	40	NUM
cblr-14253	210	8	wheat	wheat	NOUN
cblr-14253	210	9	&	&	CCONJ
cblr-14253	210	10	henry	henry	PROPN
cblr-14253	210	11	-	-	PUNCT
cblr-14253	210	12	nickie	nickie	PROPN
cblr-14253	210	13	,	,	PUNCT
cblr-14253	210	14	supra	supra	PROPN
cblr-14253	210	15	note	note	PROPN
cblr-14253	210	16	6	6	NUM
cblr-14253	210	17	;	;	PUNCT
cblr-14253	210	18	oren	oren	NOUN
cblr-14253	210	19	bar	bar	NOUN
cblr-14253	210	20	-	-	PUNCT
cblr-14253	210	21	gill	gill	NOUN
cblr-14253	210	22	,	,	PUNCT
cblr-14253	210	23	the	the	DET
cblr-14253	210	24	law	law	NOUN
cblr-14253	210	25	,	,	PUNCT
cblr-14253	210	26	economics	economic	NOUN
cblr-14253	210	27	and	and	CCONJ
cblr-14253	210	28	psychology	psychology	NOUN
cblr-14253	210	29	of	of	ADP
cblr-14253	210	30	subprime	subprime	ADJ
cblr-14253	210	31	mortgage	mortgage	NOUN
cblr-14253	210	32	contracts	contract	NOUN
cblr-14253	210	33	,	,	PUNCT
cblr-14253	210	34	94	94	NUM
cblr-14253	210	35	cornell	cornell	PROPN
cblr-14253	210	36	l.	l.	PROPN
cblr-14253	210	37	rev	rev	PROPN
cblr-14253	210	38	.	.	PROPN
cblr-14253	210	39	1073	1073	NUM
cblr-14253	210	40	,	,	PUNCT
cblr-14253	210	41	1144	1144	NUM
cblr-14253	210	42	(	(	PUNCT
cblr-14253	210	43	2009	2009	NUM
cblr-14253	210	44	)	)	PUNCT
cblr-14253	210	45	;	;	PUNCT
cblr-14253	210	46	christopher	christopher	PROPN
cblr-14253	210	47	l.	l.	PROPN
cblr-14253	210	48	peterson	peterson	PROPN
cblr-14253	210	49	,	,	PUNCT
cblr-14253	210	50	truth	truth	NOUN
cblr-14253	210	51	,	,	PUNCT
cblr-14253	210	52	understanding	understanding	NOUN
cblr-14253	210	53	,	,	PUNCT
cblr-14253	210	54	and	and	CCONJ
cblr-14253	210	55	high	high	ADJ
cblr-14253	210	56	-	-	PUNCT
cblr-14253	210	57	cost	cost	NOUN
cblr-14253	210	58	consumer	consumer	NOUN
cblr-14253	210	59	credit	credit	NOUN
cblr-14253	210	60	:	:	PUNCT
cblr-14253	210	61	the	the	DET
cblr-14253	210	62	historical	historical	ADJ
cblr-14253	210	63	context	context	NOUN
cblr-14253	210	64	of	of	ADP
cblr-14253	210	65	the	the	DET
cblr-14253	210	66	truth	truth	NOUN
cblr-14253	210	67	in	in	ADP
cblr-14253	210	68	lending	lending	NOUN
cblr-14253	210	69	act	act	NOUN
cblr-14253	210	70	,	,	PUNCT
cblr-14253	210	71	55	55	NUM
cblr-14253	210	72	fla	fla	NOUN
cblr-14253	210	73	.	.	PUNCT
cblr-14253	211	1	l.	l.	PROPN
cblr-14253	211	2	rev	rev	PROPN
cblr-14253	211	3	.	.	PROPN
cblr-14253	211	4	807	807	NUM
cblr-14253	211	5	,	,	PUNCT
cblr-14253	211	6	897–98	897–98	NUM
cblr-14253	211	7	(	(	PUNCT
cblr-14253	211	8	2003	2003	NUM
cblr-14253	211	9	)	)	PUNCT
cblr-14253	211	10	.	.	PUNCT
cblr-14253	212	1	41	41	NUM
cblr-14253	213	1	what	what	PRON
cblr-14253	213	2	is	be	AUX
cblr-14253	213	3	homeowner	homeowner	NOUN
cblr-14253	213	4	’s	’s	PART
cblr-14253	213	5	title	title	NOUN
cblr-14253	213	6	insurance	insurance	NOUN
cblr-14253	213	7	?	?	PUNCT
cblr-14253	213	8	,	,	PUNCT
cblr-14253	213	9	consumer	consumer	NOUN
cblr-14253	213	10	fin	fin	NOUN
cblr-14253	213	11	.	.	PUNCT
cblr-14253	214	1	prot	prot	PROPN
cblr-14253	214	2	.	.	PUNCT
cblr-14253	215	1	bureau	bureau	PROPN
cblr-14253	215	2	(	(	PUNCT
cblr-14253	215	3	oct	oct	PROPN
cblr-14253	215	4	.	.	PROPN
cblr-14253	215	5	19	19	NUM
cblr-14253	215	6	,	,	PUNCT
cblr-14253	215	7	2023	2023	NUM
cblr-14253	215	8	)	)	PUNCT
cblr-14253	215	9	,	,	PUNCT
cblr-14253	215	10	https://www.consumerfinance.gov/ask-cfpb/what-is-ownerstitle-insurance-en-164/	https://www.consumerfinance.gov/ask-cfpb/what-is-ownerstitle-insurance-en-164/	VERB
cblr-14253	216	1	[	[	X
cblr-14253	216	2	https://perma.cc/4fhb-bght	https://perma.cc/4fhb-bght	X
cblr-14253	216	3	]	]	X
cblr-14253	216	4	.	.	PUNCT
cblr-14253	217	1	42	42	NUM
cblr-14253	217	2	stewart	stewart	PROPN
cblr-14253	217	3	e.	e.	PROPN
cblr-14253	217	4	sterk	sterk	PROPN
cblr-14253	217	5	,	,	PUNCT
cblr-14253	217	6	title	title	NOUN
cblr-14253	217	7	insurance	insurance	NOUN
cblr-14253	217	8	:	:	PUNCT
cblr-14253	217	9	protecting	protect	VERB
cblr-14253	217	10	property	property	NOUN
cblr-14253	217	11	at	at	ADP
cblr-14253	217	12	what	what	DET
cblr-14253	217	13	price	price	NOUN
cblr-14253	217	14	?	?	PUNCT
cblr-14253	217	15	,	,	PUNCT
cblr-14253	217	16	99	99	NUM
cblr-14253	217	17	wash	wash	NOUN
cblr-14253	217	18	.	.	PUNCT
cblr-14253	218	1	univ	univ	PROPN
cblr-14253	218	2	.	.	PUNCT
cblr-14253	219	1	l.	l.	PROPN
cblr-14253	219	2	rev	rev	PROPN
cblr-14253	219	3	.	.	PROPN
cblr-14253	219	4	519	519	NUM
cblr-14253	219	5	,	,	PUNCT
cblr-14253	219	6	523	523	NUM
cblr-14253	219	7	(	(	PUNCT
cblr-14253	219	8	2021	2021	NUM
cblr-14253	219	9	)	)	PUNCT
cblr-14253	219	10	(	(	PUNCT
cblr-14253	219	11	arguing	argue	VERB
cblr-14253	219	12	federal	federal	ADJ
cblr-14253	219	13	law	law	NOUN
cblr-14253	219	14	should	should	AUX
cblr-14253	219	15	require	require	VERB
cblr-14253	219	16	lenders	lender	NOUN
cblr-14253	219	17	to	to	PART
cblr-14253	219	18	bundle	bundle	VERB
cblr-14253	219	19	title	title	NOUN
cblr-14253	219	20	insurance	insurance	NOUN
cblr-14253	219	21	with	with	ADP
cblr-14253	219	22	interest	interest	NOUN
cblr-14253	219	23	rates	rate	NOUN
cblr-14253	219	24	because	because	SCONJ
cblr-14253	219	25	lenders	lender	NOUN
cblr-14253	219	26	“	"	PUNCT
cblr-14253	219	27	would	would	AUX
cblr-14253	219	28	have	have	VERB
cblr-14253	219	29	a	a	DET
cblr-14253	219	30	financial	financial	ADJ
cblr-14253	219	31	incentive	incentive	NOUN
cblr-14253	219	32	to	to	PART
cblr-14253	219	33	control	control	VERB
cblr-14253	219	34	title	title	NOUN
cblr-14253	219	35	insurance	insurance	NOUN
cblr-14253	219	36	costs	cost	NOUN
cblr-14253	219	37	”	"	PUNCT
cblr-14253	219	38	)	)	PUNCT
cblr-14253	219	39	;	;	PUNCT
cblr-14253	219	40	alan	alan	PROPN
cblr-14253	219	41	b.	b.	PROPN
cblr-14253	219	42	morrison	morrison	PROPN
cblr-14253	219	43	,	,	PUNCT
cblr-14253	219	44	closing	closing	NOUN
cblr-14253	219	45	costs	cost	NOUN
cblr-14253	219	46	:	:	PUNCT
cblr-14253	219	47	soaring	soar	VERB
cblr-14253	219	48	costs	cost	NOUN
cblr-14253	219	49	and	and	CCONJ
cblr-14253	219	50	consumer	consumer	NOUN
cblr-14253	219	51	confusion	confusion	NOUN
cblr-14253	219	52	,	,	PUNCT
cblr-14253	219	53	92	92	NUM
cblr-14253	219	54	banking	banking	NOUN
cblr-14253	219	55	l.j	l.j	PROPN
cblr-14253	219	56	.	.	PROPN
cblr-14253	219	57	30	30	NUM
cblr-14253	219	58	,	,	PUNCT
cblr-14253	219	59	33	33	NUM
cblr-14253	219	60	(	(	PUNCT
cblr-14253	219	61	1975	1975	NUM
cblr-14253	219	62	)	)	PUNCT
cblr-14253	219	63	(	(	PUNCT
cblr-14253	219	64	“	"	PUNCT
cblr-14253	219	65	[	[	X
cblr-14253	219	66	i]t	i]t	X
cblr-14253	219	67	is	be	AUX
cblr-14253	219	68	the	the	DET
cblr-14253	219	69	lender	lender	NOUN
cblr-14253	219	70	who	who	PRON
cblr-14253	219	71	should	should	AUX
cblr-14253	219	72	in	in	ADP
cblr-14253	219	73	the	the	DET
cblr-14253	219	74	first	first	ADJ
cblr-14253	219	75	instance	instance	NOUN
cblr-14253	219	76	be	be	AUX
cblr-14253	219	77	required	require	VERB
cblr-14253	219	78	to	to	PART
cblr-14253	219	79	absorb	absorb	VERB
cblr-14253	219	80	all	all	PRON
cblr-14253	219	81	of	of	ADP
cblr-14253	219	82	these	these	DET
cblr-14253	219	83	settlement	settlement	NOUN
cblr-14253	219	84	costs	cost	NOUN
cblr-14253	219	85	since	since	SCONJ
cblr-14253	219	86	he	he	PRON
cblr-14253	219	87	is	be	AUX
cblr-14253	219	88	in	in	ADP
cblr-14253	219	89	the	the	DET
cblr-14253	219	90	404	404	NUM
cblr-14253	219	91	columbia	columbia	PROPN
cblr-14253	219	92	business	business	NOUN
cblr-14253	219	93	law	law	PROPN
cblr-14253	219	94	review	review	NOUN
cblr-14253	220	1	[	[	X
cblr-14253	220	2	vol	vol	NOUN
cblr-14253	220	3	.	.	PUNCT
cblr-14253	221	1	2025	2025	NUM
cblr-14253	221	2	one	one	NUM
cblr-14253	221	3	consequence	consequence	NOUN
cblr-14253	221	4	of	of	ADP
cblr-14253	221	5	this	this	DET
cblr-14253	221	6	complexity	complexity	NOUN
cblr-14253	221	7	is	be	AUX
cblr-14253	221	8	that	that	SCONJ
cblr-14253	221	9	most	most	ADV
cblr-14253	221	10	prospective	prospective	ADJ
cblr-14253	221	11	buyers	buyer	NOUN
cblr-14253	221	12	and	and	CCONJ
cblr-14253	221	13	sellers	seller	NOUN
cblr-14253	221	14	are	be	AUX
cblr-14253	221	15	highly	highly	ADV
cblr-14253	221	16	dependent	dependent	ADJ
cblr-14253	221	17	on	on	ADP
cblr-14253	221	18	realestate	realestate	ADJ
cblr-14253	221	19	agents	agent	NOUN
cblr-14253	221	20	to	to	PART
cblr-14253	221	21	help	help	AUX
cblr-14253	221	22	identify	identify	VERB
cblr-14253	221	23	settlement	settlement	NOUN
cblr-14253	221	24	-	-	PUNCT
cblr-14253	221	25	services	service	NOUN
cblr-14253	221	26	providers	provider	NOUN
cblr-14253	221	27	and	and	CCONJ
cblr-14253	221	28	generally	generally	ADV
cblr-14253	221	29	navigate	navigate	VERB
cblr-14253	221	30	the	the	DET
cblr-14253	221	31	system	system	NOUN
cblr-14253	221	32	.	.	PUNCT
cblr-14253	222	1	because	because	SCONJ
cblr-14253	222	2	real	real	ADJ
cblr-14253	222	3	-	-	PUNCT
cblr-14253	222	4	estate	estate	NOUN
cblr-14253	222	5	agents	agent	NOUN
cblr-14253	222	6	are	be	AUX
cblr-14253	222	7	the	the	DET
cblr-14253	222	8	entry	entry	NOUN
cblr-14253	222	9	point	point	NOUN
cblr-14253	222	10	into	into	ADP
cblr-14253	222	11	this	this	DET
cblr-14253	222	12	web	web	NOUN
cblr-14253	222	13	of	of	ADP
cblr-14253	222	14	relationships	relationship	NOUN
cblr-14253	222	15	,	,	PUNCT
cblr-14253	222	16	they	they	PRON
cblr-14253	222	17	have	have	VERB
cblr-14253	222	18	significant	significant	ADJ
cblr-14253	222	19	leverage	leverage	NOUN
cblr-14253	222	20	over	over	ADP
cblr-14253	222	21	title	title	NOUN
cblr-14253	222	22	insurers	insurer	NOUN
cblr-14253	222	23	,	,	PUNCT
cblr-14253	222	24	appraisers	appraiser	NOUN
cblr-14253	222	25	,	,	PUNCT
cblr-14253	222	26	property	property	NOUN
cblr-14253	222	27	inspectors	inspector	NOUN
cblr-14253	222	28	,	,	PUNCT
cblr-14253	222	29	and	and	CCONJ
cblr-14253	222	30	mortgage	mortgage	NOUN
cblr-14253	222	31	lenders	lender	NOUN
cblr-14253	222	32	—	—	PUNCT
cblr-14253	222	33	all	all	PRON
cblr-14253	222	34	of	of	ADP
cblr-14253	222	35	whom	whom	PRON
cblr-14253	222	36	are	be	AUX
cblr-14253	222	37	necessary	necessary	ADJ
cblr-14253	222	38	for	for	SCONJ
cblr-14253	222	39	a	a	DET
cblr-14253	222	40	sale	sale	NOUN
cblr-14253	222	41	to	to	PART
cblr-14253	222	42	take	take	VERB
cblr-14253	222	43	place	place	NOUN
cblr-14253	222	44	but	but	CCONJ
cblr-14253	222	45	who	who	PRON
cblr-14253	222	46	are	be	AUX
cblr-14253	222	47	far	far	ADV
cblr-14253	222	48	less	less	ADV
cblr-14253	222	49	likely	likely	ADJ
cblr-14253	222	50	to	to	PART
cblr-14253	222	51	have	have	AUX
cblr-14253	222	52	formed	form	VERB
cblr-14253	222	53	a	a	DET
cblr-14253	222	54	trusting	trust	VERB
cblr-14253	222	55	relationship	relationship	NOUN
cblr-14253	222	56	with	with	ADP
cblr-14253	222	57	homebuyers.43	homebuyers.43	PROPN
cblr-14253	222	58	a	a	DET
cblr-14253	222	59	steady	steady	ADJ
cblr-14253	222	60	stream	stream	NOUN
cblr-14253	222	61	of	of	ADP
cblr-14253	222	62	referrals	referral	NOUN
cblr-14253	222	63	from	from	ADP
cblr-14253	222	64	real	real	ADJ
cblr-14253	222	65	-	-	PUNCT
cblr-14253	222	66	estate	estate	NOUN
cblr-14253	222	67	agents	agent	NOUN
cblr-14253	222	68	can	can	AUX
cblr-14253	222	69	mean	mean	VERB
cblr-14253	222	70	the	the	DET
cblr-14253	222	71	difference	difference	NOUN
cblr-14253	222	72	between	between	ADP
cblr-14253	222	73	success	success	NOUN
cblr-14253	222	74	or	or	CCONJ
cblr-14253	222	75	failure	failure	NOUN
cblr-14253	222	76	for	for	ADP
cblr-14253	222	77	other	other	ADJ
cblr-14253	222	78	settlementservices	settlementservice	NOUN
cblr-14253	222	79	businesses	business	NOUN
cblr-14253	222	80	.	.	PUNCT
cblr-14253	223	1	real	real	ADJ
cblr-14253	223	2	-	-	PUNCT
cblr-14253	223	3	estate	estate	NOUN
cblr-14253	223	4	agents	agent	NOUN
cblr-14253	223	5	often	often	ADV
cblr-14253	223	6	function	function	VERB
cblr-14253	223	7	as	as	ADP
cblr-14253	223	8	gatekeepers	gatekeeper	NOUN
cblr-14253	223	9	for	for	ADP
cblr-14253	223	10	other	other	ADJ
cblr-14253	223	11	settlement	settlement	NOUN
cblr-14253	223	12	-	-	PUNCT
cblr-14253	223	13	services	service	NOUN
cblr-14253	223	14	providers	provider	NOUN
cblr-14253	223	15	,	,	PUNCT
cblr-14253	223	16	creating	create	VERB
cblr-14253	223	17	the	the	DET
cblr-14253	223	18	potential	potential	NOUN
cblr-14253	223	19	for	for	ADP
cblr-14253	223	20	anticompetitive	anticompetitive	ADJ
cblr-14253	223	21	closing	closing	NOUN
cblr-14253	223	22	markets	market	NOUN
cblr-14253	223	23	where	where	SCONJ
cblr-14253	223	24	realestate	realestate	NOUN
cblr-14253	223	25	agents	agent	NOUN
cblr-14253	223	26	auction	auction	VERB
cblr-14253	223	27	off	off	ADP
cblr-14253	223	28	referrals	referral	NOUN
cblr-14253	223	29	,	,	PUNCT
cblr-14253	223	30	leading	lead	VERB
cblr-14253	223	31	to	to	ADP
cblr-14253	223	32	higher	high	ADJ
cblr-14253	223	33	overall	overall	ADJ
cblr-14253	223	34	closing	closing	NOUN
cblr-14253	223	35	costs	cost	NOUN
cblr-14253	223	36	.	.	PUNCT
cblr-14253	224	1	pest	pest	NOUN
cblr-14253	224	2	inspections	inspection	NOUN
cblr-14253	224	3	,	,	PUNCT
cblr-14253	224	4	appraisers	appraiser	NOUN
cblr-14253	224	5	,	,	PUNCT
cblr-14253	224	6	repairmen	repairman	NOUN
cblr-14253	224	7	,	,	PUNCT
cblr-14253	224	8	title	title	NOUN
cblr-14253	224	9	insurers	insurer	NOUN
cblr-14253	224	10	,	,	PUNCT
cblr-14253	224	11	mortgage	mortgage	NOUN
cblr-14253	224	12	lenders	lender	NOUN
cblr-14253	224	13	,	,	PUNCT
cblr-14253	224	14	and	and	CCONJ
cblr-14253	224	15	other	other	ADJ
cblr-14253	224	16	settlement	settlement	NOUN
cblr-14253	224	17	-	-	PUNCT
cblr-14253	224	18	service	service	NOUN
cblr-14253	224	19	providers	provider	NOUN
cblr-14253	224	20	have	have	VERB
cblr-14253	224	21	a	a	DET
cblr-14253	224	22	strong	strong	ADJ
cblr-14253	224	23	incentive	incentive	NOUN
cblr-14253	224	24	to	to	PART
cblr-14253	224	25	compete	compete	VERB
cblr-14253	224	26	for	for	ADP
cblr-14253	224	27	business	business	NOUN
cblr-14253	224	28	from	from	ADP
cblr-14253	224	29	real	real	ADJ
cblr-14253	224	30	-	-	PUNCT
cblr-14253	224	31	estate	estate	NOUN
cblr-14253	224	32	agents	agent	NOUN
cblr-14253	224	33	,	,	PUNCT
cblr-14253	224	34	rather	rather	ADV
cblr-14253	224	35	than	than	ADP
cblr-14253	224	36	directly	directly	ADV
cblr-14253	224	37	from	from	ADP
cblr-14253	224	38	consumers	consumer	NOUN
cblr-14253	224	39	.	.	PUNCT
cblr-14253	225	1	consumers	consumer	NOUN
cblr-14253	225	2	can	can	AUX
cblr-14253	225	3	benefit	benefit	VERB
cblr-14253	225	4	from	from	ADP
cblr-14253	225	5	real	real	ADJ
cblr-14253	225	6	-	-	PUNCT
cblr-14253	225	7	estate	estate	NOUN
cblr-14253	225	8	agents	agent	NOUN
cblr-14253	225	9	’	'	PUNCT
cblr-14253	225	10	expertise	expertise	NOUN
cblr-14253	225	11	if	if	SCONJ
cblr-14253	225	12	agents	agent	NOUN
cblr-14253	225	13	,	,	PUNCT
cblr-14253	225	14	on	on	ADP
cblr-14253	225	15	behalf	behalf	NOUN
cblr-14253	225	16	of	of	ADP
cblr-14253	225	17	their	their	PRON
cblr-14253	225	18	clients	client	NOUN
cblr-14253	225	19	,	,	PUNCT
cblr-14253	225	20	use	use	VERB
cblr-14253	225	21	their	their	PRON
cblr-14253	225	22	position	position	NOUN
cblr-14253	225	23	to	to	ADP
cblr-14253	225	24	bargain	bargain	NOUN
cblr-14253	225	25	for	for	ADP
cblr-14253	225	26	quality	quality	NOUN
cblr-14253	225	27	services	service	NOUN
cblr-14253	225	28	at	at	ADP
cblr-14253	225	29	competitive	competitive	ADJ
cblr-14253	225	30	prices	price	NOUN
cblr-14253	225	31	.	.	PUNCT
cblr-14253	226	1	in	in	ADP
cblr-14253	226	2	other	other	ADJ
cblr-14253	226	3	contexts	contexts	NOUN
cblr-14253	226	4	,	,	PUNCT
cblr-14253	226	5	economists	economist	NOUN
cblr-14253	226	6	and	and	CCONJ
cblr-14253	226	7	finance	finance	NOUN
cblr-14253	226	8	scholars	scholar	NOUN
cblr-14253	226	9	have	have	AUX
cblr-14253	226	10	noted	note	VERB
cblr-14253	226	11	that	that	SCONJ
cblr-14253	226	12	principalagent	principalagent	NOUN
cblr-14253	226	13	relationships	relationship	NOUN
cblr-14253	226	14	create	create	VERB
cblr-14253	226	15	complex	complex	ADJ
cblr-14253	226	16	monitoring	monitoring	NOUN
cblr-14253	226	17	and	and	CCONJ
cblr-14253	226	18	selfdealing	selfdealing	NOUN
cblr-14253	226	19	incentives	incentive	NOUN
cblr-14253	226	20	,	,	PUNCT
cblr-14253	226	21	often	often	ADV
cblr-14253	226	22	referred	refer	VERB
cblr-14253	226	23	to	to	ADP
cblr-14253	226	24	in	in	ADP
cblr-14253	226	25	academic	academic	ADJ
cblr-14253	226	26	literature	literature	NOUN
cblr-14253	226	27	as	as	ADP
cblr-14253	226	28	“	"	PUNCT
cblr-14253	226	29	agency	agency	NOUN
cblr-14253	226	30	costs	cost	NOUN
cblr-14253	226	31	.	.	PUNCT
cblr-14253	227	1	”44	”44	NOUN
cblr-14253	227	2	but	but	CCONJ
cblr-14253	227	3	real	real	ADJ
cblr-14253	227	4	-	-	PUNCT
cblr-14253	227	5	estate	estate	NOUN
cblr-14253	227	6	agents	agent	NOUN
cblr-14253	227	7	have	have	VERB
cblr-14253	227	8	a	a	DET
cblr-14253	227	9	strong	strong	ADJ
cblr-14253	227	10	financial	financial	ADJ
cblr-14253	227	11	best	good	ADJ
cblr-14253	227	12	position	position	NOUN
cblr-14253	227	13	to	to	PART
cblr-14253	227	14	determine	determine	VERB
cblr-14253	227	15	which	which	DET
cblr-14253	227	16	ones	one	NOUN
cblr-14253	227	17	are	be	AUX
cblr-14253	227	18	necessary	necessary	ADJ
cblr-14253	227	19	and	and	CCONJ
cblr-14253	227	20	which	which	PRON
cblr-14253	227	21	can	can	AUX
cblr-14253	227	22	be	be	AUX
cblr-14253	227	23	reduced	reduce	VERB
cblr-14253	227	24	.	.	PUNCT
cblr-14253	227	25	”	"	PUNCT
cblr-14253	227	26	)	)	PUNCT
cblr-14253	227	27	;	;	PUNCT
cblr-14253	227	28	providing	provide	VERB
cblr-14253	227	29	for	for	ADP
cblr-14253	227	30	greater	great	ADJ
cblr-14253	227	31	disclosure	disclosure	NOUN
cblr-14253	227	32	of	of	ADP
cblr-14253	227	33	the	the	DET
cblr-14253	227	34	nature	nature	NOUN
cblr-14253	227	35	and	and	CCONJ
cblr-14253	227	36	costs	cost	NOUN
cblr-14253	227	37	of	of	ADP
cblr-14253	227	38	real	real	ADJ
cblr-14253	227	39	estate	estate	NOUN
cblr-14253	227	40	settlement	settlement	NOUN
cblr-14253	227	41	services	service	NOUN
cblr-14253	227	42	,	,	PUNCT
cblr-14253	227	43	s.	s.	PROPN
cblr-14253	227	44	rep	rep	PROPN
cblr-14253	227	45	.	.	PROPN
cblr-14253	227	46	no	no	INTJ
cblr-14253	227	47	.	.	PROPN
cblr-14253	228	1	93	93	NUM
cblr-14253	228	2	-	-	SYM
cblr-14253	228	3	866	866	NUM
cblr-14253	228	4	(	(	PUNCT
cblr-14253	228	5	1974	1974	NUM
cblr-14253	228	6	)	)	PUNCT
cblr-14253	229	1	(	(	PUNCT
cblr-14253	229	2	noting	note	VERB
cblr-14253	229	3	that	that	SCONJ
cblr-14253	229	4	senator	senator	PROPN
cblr-14253	229	5	proxmire	proxmire	NOUN
cblr-14253	229	6	accepted	accept	VERB
cblr-14253	229	7	respa	respa	NOUN
cblr-14253	229	8	as	as	ADP
cblr-14253	229	9	a	a	DET
cblr-14253	229	10	compromise	compromise	NOUN
cblr-14253	229	11	following	follow	VERB
cblr-14253	229	12	his	his	PRON
cblr-14253	229	13	efforts	effort	NOUN
cblr-14253	229	14	to	to	PART
cblr-14253	229	15	require	require	VERB
cblr-14253	229	16	lenders	lender	NOUN
cblr-14253	229	17	to	to	PART
cblr-14253	229	18	bear	bear	VERB
cblr-14253	229	19	settlement	settlement	NOUN
cblr-14253	229	20	costs	cost	NOUN
cblr-14253	229	21	because	because	SCONJ
cblr-14253	229	22	“	"	PUNCT
cblr-14253	229	23	lenders	lender	NOUN
cblr-14253	229	24	have	have	VERB
cblr-14253	229	25	the	the	DET
cblr-14253	229	26	sophistication	sophistication	NOUN
cblr-14253	229	27	and	and	CCONJ
cblr-14253	229	28	bargaining	bargaining	NOUN
cblr-14253	229	29	power	power	NOUN
cblr-14253	229	30	to	to	PART
cblr-14253	229	31	keep	keep	VERB
cblr-14253	229	32	the	the	DET
cblr-14253	229	33	costs	cost	NOUN
cblr-14253	229	34	down	down	ADP
cblr-14253	229	35	.	.	PUNCT
cblr-14253	229	36	”	"	PUNCT
cblr-14253	229	37	)	)	PUNCT
cblr-14253	229	38	.	.	PUNCT
cblr-14253	230	1	43	43	NUM
cblr-14253	230	2	william	william	PROPN
cblr-14253	230	3	n.	n.	PROPN
cblr-14253	230	4	eskridge	eskridge	PROPN
cblr-14253	230	5	,	,	PUNCT
cblr-14253	230	6	jr	jr	PROPN
cblr-14253	230	7	.	.	PROPN
cblr-14253	230	8	,	,	PUNCT
cblr-14253	230	9	one	one	NUM
cblr-14253	230	10	hundred	hundred	NUM
cblr-14253	230	11	years	year	NOUN
cblr-14253	230	12	of	of	ADP
cblr-14253	230	13	ineptitude	ineptitude	NOUN
cblr-14253	230	14	:	:	PUNCT
cblr-14253	230	15	the	the	DET
cblr-14253	230	16	need	need	NOUN
cblr-14253	230	17	for	for	SCONJ
cblr-14253	230	18	mortgage	mortgage	NOUN
cblr-14253	230	19	rules	rule	NOUN
cblr-14253	230	20	consonant	consonant	VERB
cblr-14253	230	21	with	with	ADP
cblr-14253	230	22	the	the	DET
cblr-14253	230	23	economic	economic	ADJ
cblr-14253	230	24	and	and	CCONJ
cblr-14253	230	25	psychological	psychological	ADJ
cblr-14253	230	26	dynamics	dynamic	NOUN
cblr-14253	230	27	of	of	ADP
cblr-14253	230	28	the	the	DET
cblr-14253	230	29	home	home	NOUN
cblr-14253	230	30	sale	sale	NOUN
cblr-14253	230	31	and	and	CCONJ
cblr-14253	230	32	loan	loan	NOUN
cblr-14253	230	33	transaction	transaction	NOUN
cblr-14253	230	34	,	,	PUNCT
cblr-14253	230	35	70	70	NUM
cblr-14253	230	36	va	va	NOUN
cblr-14253	230	37	.	.	PUNCT
cblr-14253	231	1	l.	l.	PROPN
cblr-14253	231	2	rev	rev	PROPN
cblr-14253	231	3	.	.	PROPN
cblr-14253	231	4	1083	1083	NUM
cblr-14253	231	5	,	,	PUNCT
cblr-14253	231	6	1118–23	1118–23	PRON
cblr-14253	231	7	(	(	PUNCT
cblr-14253	231	8	1984	1984	NUM
cblr-14253	231	9	)	)	PUNCT
cblr-14253	231	10	.	.	PUNCT
cblr-14253	232	1	44	44	NUM
cblr-14253	232	2	for	for	ADP
cblr-14253	232	3	influential	influential	ADJ
cblr-14253	232	4	introductions	introduction	NOUN
cblr-14253	232	5	to	to	ADP
cblr-14253	232	6	the	the	DET
cblr-14253	232	7	application	application	NOUN
cblr-14253	232	8	of	of	ADP
cblr-14253	232	9	agency	agency	NOUN
cblr-14253	232	10	-	-	PUNCT
cblr-14253	232	11	cost	cost	NOUN
cblr-14253	232	12	theory	theory	NOUN
cblr-14253	232	13	to	to	ADP
cblr-14253	232	14	law	law	NOUN
cblr-14253	232	15	,	,	PUNCT
cblr-14253	232	16	see	see	VERB
cblr-14253	232	17	generally	generally	ADV
cblr-14253	232	18	kenneth	kenneth	PROPN
cblr-14253	232	19	j.	j.	PROPN
cblr-14253	232	20	arrow	arrow	PROPN
cblr-14253	232	21	,	,	PUNCT
cblr-14253	232	22	the	the	DET
cblr-14253	232	23	economics	economic	NOUN
cblr-14253	232	24	of	of	ADP
cblr-14253	232	25	agency	agency	NOUN
cblr-14253	232	26	,	,	PUNCT
cblr-14253	232	27	in	in	ADP
cblr-14253	232	28	principals	principal	NOUN
cblr-14253	232	29	and	and	CCONJ
cblr-14253	232	30	agents	agent	NOUN
cblr-14253	232	31	:	:	PUNCT
cblr-14253	232	32	the	the	DET
cblr-14253	232	33	structure	structure	NOUN
cblr-14253	232	34	of	of	ADP
cblr-14253	232	35	business	business	NOUN
cblr-14253	232	36	37	37	NUM
cblr-14253	232	37	(	(	PUNCT
cblr-14253	232	38	john	john	PROPN
cblr-14253	232	39	w.	w.	PROPN
cblr-14253	232	40	pratt	pratt	PROPN
cblr-14253	232	41	&	&	CCONJ
cblr-14253	232	42	richard	richard	PROPN
cblr-14253	232	43	j.	j.	PROPN
cblr-14253	232	44	zeckhauser	zeckhauser	PROPN
cblr-14253	232	45	eds	eds	PROPN
cblr-14253	232	46	.	.	PROPN
cblr-14253	232	47	,	,	PUNCT
cblr-14253	232	48	1985	1985	NUM
cblr-14253	232	49	)	)	PUNCT
cblr-14253	232	50	;	;	PUNCT
cblr-14253	232	51	kathleen	kathleen	PROPN
cblr-14253	232	52	m.	m.	PROPN
cblr-14253	232	53	eisenhardt	eisenhardt	PROPN
cblr-14253	232	54	,	,	PUNCT
cblr-14253	232	55	agency	agency	NOUN
cblr-14253	232	56	theory	theory	NOUN
cblr-14253	232	57	:	:	PUNCT
cblr-14253	232	58	no	no	INTJ
cblr-14253	232	59	.	.	NOUN
cblr-14253	232	60	1	1	NUM
cblr-14253	232	61	]	]	PUNCT
cblr-14253	232	62	corrupt	corrupt	ADJ
cblr-14253	232	63	joint	joint	ADJ
cblr-14253	232	64	ventures	venture	NOUN
cblr-14253	232	65	405	405	NUM
cblr-14253	232	66	incentive	incentive	NOUN
cblr-14253	232	67	to	to	PART
cblr-14253	232	68	dole	dole	VERB
cblr-14253	232	69	out	out	ADP
cblr-14253	232	70	their	their	PRON
cblr-14253	232	71	clients	client	NOUN
cblr-14253	232	72	’	’	PART
cblr-14253	232	73	closing	closing	NOUN
cblr-14253	232	74	business	business	NOUN
cblr-14253	232	75	in	in	ADP
cblr-14253	232	76	exchange	exchange	NOUN
cblr-14253	232	77	for	for	ADP
cblr-14253	232	78	referral	referral	ADJ
cblr-14253	232	79	fees	fee	NOUN
cblr-14253	232	80	from	from	ADP
cblr-14253	232	81	other	other	ADJ
cblr-14253	232	82	settlement	settlement	NOUN
cblr-14253	232	83	-	-	PUNCT
cblr-14253	232	84	services	service	NOUN
cblr-14253	232	85	providers	provider	NOUN
cblr-14253	232	86	.	.	PUNCT
cblr-14253	233	1	because	because	SCONJ
cblr-14253	233	2	consumers	consumer	NOUN
cblr-14253	233	3	are	be	AUX
cblr-14253	233	4	typically	typically	ADV
cblr-14253	233	5	unable	unable	ADJ
cblr-14253	233	6	to	to	PART
cblr-14253	233	7	effectively	effectively	ADV
cblr-14253	233	8	compare	compare	VERB
cblr-14253	233	9	prices	price	NOUN
cblr-14253	233	10	of	of	ADP
cblr-14253	233	11	these	these	DET
cblr-14253	233	12	specialized	specialized	ADJ
cblr-14253	233	13	local	local	ADJ
cblr-14253	233	14	services	service	NOUN
cblr-14253	233	15	,	,	PUNCT
cblr-14253	233	16	settlement	settlement	NOUN
cblr-14253	233	17	-	-	PUNCT
cblr-14253	233	18	services	service	NOUN
cblr-14253	233	19	providers	provider	NOUN
cblr-14253	233	20	can	can	AUX
cblr-14253	233	21	recoup	recoup	VERB
cblr-14253	233	22	the	the	DET
cblr-14253	233	23	expense	expense	NOUN
cblr-14253	233	24	of	of	ADP
cblr-14253	233	25	paying	pay	VERB
cblr-14253	233	26	for	for	ADP
cblr-14253	233	27	the	the	DET
cblr-14253	233	28	real	real	ADJ
cblr-14253	233	29	-	-	PUNCT
cblr-14253	233	30	estate	estate	NOUN
cblr-14253	233	31	agents	agent	NOUN
cblr-14253	233	32	’	'	PUNCT
cblr-14253	233	33	referrals	referral	NOUN
cblr-14253	233	34	by	by	ADP
cblr-14253	233	35	raising	raise	VERB
cblr-14253	233	36	the	the	DET
cblr-14253	233	37	costs	cost	NOUN
cblr-14253	233	38	and	and	CCONJ
cblr-14253	233	39	fees	fee	NOUN
cblr-14253	233	40	paid	pay	VERB
cblr-14253	233	41	by	by	ADP
cblr-14253	233	42	consumers	consumer	NOUN
cblr-14253	233	43	at	at	ADP
cblr-14253	233	44	closing	close	VERB
cblr-14253	233	45	.	.	PUNCT
cblr-14253	234	1	most	most	ADJ
cblr-14253	234	2	consumers	consumer	NOUN
cblr-14253	234	3	can	can	AUX
cblr-14253	234	4	not	not	PART
cblr-14253	234	5	tell	tell	VERB
cblr-14253	234	6	the	the	DET
cblr-14253	234	7	difference	difference	NOUN
cblr-14253	234	8	and	and	CCONJ
cblr-14253	234	9	,	,	PUNCT
cblr-14253	234	10	even	even	ADV
cblr-14253	234	11	if	if	SCONJ
cblr-14253	234	12	they	they	PRON
cblr-14253	234	13	could	could	AUX
cblr-14253	234	14	,	,	PUNCT
cblr-14253	234	15	are	be	AUX
cblr-14253	234	16	under	under	ADP
cblr-14253	234	17	structural	structural	ADJ
cblr-14253	234	18	pressure	pressure	NOUN
cblr-14253	234	19	to	to	PART
cblr-14253	234	20	ignore	ignore	VERB
cblr-14253	234	21	inflated	inflated	ADJ
cblr-14253	234	22	costs	cost	NOUN
cblr-14253	234	23	and	and	CCONJ
cblr-14253	234	24	junk	junk	NOUN
cblr-14253	234	25	fees	fee	NOUN
cblr-14253	234	26	.	.	PUNCT
cblr-14253	235	1	as	as	ADP
cblr-14253	235	2	in	in	ADP
cblr-14253	235	3	other	other	ADJ
cblr-14253	235	4	contexts	contexts	NOUN
cblr-14253	235	5	,	,	PUNCT
cblr-14253	235	6	then	then	ADV
cblr-14253	235	7	,	,	PUNCT
cblr-14253	235	8	the	the	DET
cblr-14253	235	9	agency	agency	NOUN
cblr-14253	235	10	costs	cost	NOUN
cblr-14253	235	11	associated	associate	VERB
cblr-14253	235	12	with	with	ADP
cblr-14253	235	13	real	real	ADJ
cblr-14253	235	14	-	-	PUNCT
cblr-14253	235	15	estate	estate	NOUN
cblr-14253	235	16	closings	closing	NOUN
cblr-14253	235	17	can	can	AUX
cblr-14253	235	18	create	create	VERB
cblr-14253	235	19	sub	sub	NOUN
cblr-14253	235	20	-	-	NOUN
cblr-14253	235	21	markets	market	NOUN
cblr-14253	235	22	that	that	PRON
cblr-14253	235	23	are	be	AUX
cblr-14253	235	24	not	not	PART
cblr-14253	235	25	subject	subject	ADJ
cblr-14253	235	26	to	to	ADP
cblr-14253	235	27	efficient	efficient	ADJ
cblr-14253	235	28	market	market	NOUN
cblr-14253	235	29	competition.45	competition.45	ADV
cblr-14253	235	30	historically	historically	ADV
cblr-14253	235	31	,	,	PUNCT
cblr-14253	235	32	the	the	DET
cblr-14253	235	33	risk	risk	NOUN
cblr-14253	235	34	of	of	ADP
cblr-14253	235	35	this	this	DET
cblr-14253	235	36	market	market	NOUN
cblr-14253	235	37	inefficiency	inefficiency	NOUN
cblr-14253	235	38	shaped	shape	VERB
cblr-14253	235	39	modern	modern	ADJ
cblr-14253	235	40	settlement	settlement	NOUN
cblr-14253	235	41	-	-	PUNCT
cblr-14253	235	42	services	service	NOUN
cblr-14253	235	43	law	law	NOUN
cblr-14253	235	44	.	.	PUNCT
cblr-14253	236	1	in	in	ADP
cblr-14253	236	2	the	the	DET
cblr-14253	236	3	1970s	1970	NOUN
cblr-14253	236	4	,	,	PUNCT
cblr-14253	236	5	congress	congress	PROPN
cblr-14253	236	6	found	find	VERB
cblr-14253	236	7	that	that	SCONJ
cblr-14253	236	8	the	the	DET
cblr-14253	236	9	settlement	settlement	NOUN
cblr-14253	236	10	-	-	PUNCT
cblr-14253	236	11	services	service	NOUN
cblr-14253	236	12	industry	industry	NOUN
cblr-14253	236	13	was	be	AUX
cblr-14253	236	14	corrupted	corrupt	VERB
cblr-14253	236	15	by	by	ADP
cblr-14253	236	16	a	a	DET
cblr-14253	236	17	web	web	NOUN
cblr-14253	236	18	of	of	ADP
cblr-14253	236	19	hidden	hide	VERB
cblr-14253	236	20	kickback	kickback	NOUN
cblr-14253	236	21	payments	payment	NOUN
cblr-14253	236	22	that	that	PRON
cblr-14253	236	23	raised	raise	VERB
cblr-14253	236	24	transaction	transaction	NOUN
cblr-14253	236	25	costs	cost	NOUN
cblr-14253	236	26	and	and	CCONJ
cblr-14253	236	27	prevented	prevent	VERB
cblr-14253	236	28	consumers	consumer	NOUN
cblr-14253	236	29	from	from	ADP
cblr-14253	236	30	shopping	shop	VERB
cblr-14253	236	31	for	for	ADP
cblr-14253	236	32	fair	fair	ADJ
cblr-14253	236	33	prices.46	prices.46	NOUN
cblr-14253	236	34	while	while	SCONJ
cblr-14253	236	35	a	a	DET
cblr-14253	236	36	variety	variety	NOUN
cblr-14253	236	37	of	of	ADP
cblr-14253	236	38	federal	federal	ADJ
cblr-14253	236	39	and	and	CCONJ
cblr-14253	236	40	state	state	NOUN
cblr-14253	236	41	laws	law	NOUN
cblr-14253	236	42	currently	currently	ADV
cblr-14253	236	43	apply	apply	VERB
cblr-14253	236	44	to	to	ADP
cblr-14253	236	45	settlement	settlement	NOUN
cblr-14253	236	46	services	service	NOUN
cblr-14253	236	47	(	(	PUNCT
cblr-14253	236	48	several	several	ADJ
cblr-14253	236	49	of	of	ADP
cblr-14253	236	50	which	which	PRON
cblr-14253	236	51	are	be	AUX
cblr-14253	236	52	discussed	discuss	VERB
cblr-14253	236	53	later	later	ADV
cblr-14253	236	54	in	in	ADP
cblr-14253	236	55	this	this	DET
cblr-14253	236	56	article	article	NOUN
cblr-14253	236	57	)	)	PUNCT
cblr-14253	236	58	,	,	PUNCT
cblr-14253	236	59	the	the	DET
cblr-14253	236	60	real	real	ADJ
cblr-14253	236	61	estate	estate	NOUN
cblr-14253	236	62	settlement	settlement	NOUN
cblr-14253	236	63	procedures	procedure	NOUN
cblr-14253	236	64	act	act	NOUN
cblr-14253	236	65	of	of	ADP
cblr-14253	236	66	1974	1974	NUM
cblr-14253	236	67	(	(	PUNCT
cblr-14253	236	68	respa	respa	NOUN
cblr-14253	236	69	)	)	PUNCT
cblr-14253	236	70	set	set	VERB
cblr-14253	236	71	out	out	ADP
cblr-14253	236	72	the	the	DET
cblr-14253	236	73	foundational	foundational	ADJ
cblr-14253	236	74	structure	structure	NOUN
cblr-14253	236	75	of	of	ADP
cblr-14253	236	76	federal	federal	ADJ
cblr-14253	236	77	oversight	oversight	NOUN
cblr-14253	236	78	.	.	PUNCT
cblr-14253	237	1	discussed	discuss	VERB
cblr-14253	237	2	in	in	ADP
cblr-14253	237	3	more	more	ADJ
cblr-14253	237	4	detail	detail	NOUN
cblr-14253	237	5	in	in	ADP
cblr-14253	237	6	part	part	PROPN
cblr-14253	237	7	iii	iii	NOUN
cblr-14253	237	8	,	,	PUNCT
cblr-14253	237	9	§	§	PROPN
cblr-14253	237	10	8	8	NUM
cblr-14253	237	11	of	of	ADP
cblr-14253	237	12	respa	respa	NOUN
cblr-14253	237	13	prohibited	prohibit	VERB
cblr-14253	237	14	giving	give	VERB
cblr-14253	237	15	or	or	CCONJ
cblr-14253	237	16	accepting	accept	VERB
cblr-14253	237	17	things	thing	NOUN
cblr-14253	237	18	of	of	ADP
cblr-14253	237	19	value	value	NOUN
cblr-14253	237	20	for	for	ADP
cblr-14253	237	21	business	business	NOUN
cblr-14253	237	22	referrals.47	referrals.47	PROPN
cblr-14253	237	23	congress	congress	PROPN
cblr-14253	237	24	prohibited	prohibit	VERB
cblr-14253	237	25	these	these	DET
cblr-14253	237	26	“	"	PUNCT
cblr-14253	237	27	kickbacks	kickback	NOUN
cblr-14253	237	28	”	"	PUNCT
cblr-14253	237	29	to	to	PART
cblr-14253	237	30	facilitate	facilitate	VERB
cblr-14253	237	31	an	an	DET
cblr-14253	237	32	assessment	assessment	NOUN
cblr-14253	237	33	and	and	CCONJ
cblr-14253	237	34	review	review	NOUN
cblr-14253	237	35	,	,	PUNCT
cblr-14253	237	36	14	14	NUM
cblr-14253	237	37	acad	acad	NOUN
cblr-14253	237	38	.	.	PUNCT
cblr-14253	238	1	mgmt	mgmt	PROPN
cblr-14253	238	2	.	.	PUNCT
cblr-14253	238	3	rev	rev	PROPN
cblr-14253	238	4	.	.	PROPN
cblr-14253	238	5	57	57	NUM
cblr-14253	238	6	(	(	PUNCT
cblr-14253	238	7	1989	1989	NUM
cblr-14253	238	8	)	)	PUNCT
cblr-14253	238	9	;	;	PUNCT
cblr-14253	238	10	sanford	sanford	PROPN
cblr-14253	238	11	j.	j.	PROPN
cblr-14253	238	12	grossman	grossman	PROPN
cblr-14253	238	13	&	&	CCONJ
cblr-14253	238	14	oliver	oliver	PROPN
cblr-14253	238	15	d.	d.	PROPN
cblr-14253	238	16	hart	hart	PROPN
cblr-14253	238	17	,	,	PUNCT
cblr-14253	238	18	an	an	DET
cblr-14253	238	19	analysis	analysis	NOUN
cblr-14253	238	20	of	of	ADP
cblr-14253	238	21	the	the	DET
cblr-14253	238	22	principal	principal	ADJ
cblr-14253	238	23	-	-	PUNCT
cblr-14253	238	24	agent	agent	NOUN
cblr-14253	238	25	problem	problem	NOUN
cblr-14253	238	26	,	,	PUNCT
cblr-14253	238	27	51	51	NUM
cblr-14253	238	28	econometrica	econometrica	NOUN
cblr-14253	238	29	7	7	NUM
cblr-14253	238	30	(	(	PUNCT
cblr-14253	238	31	1983	1983	NUM
cblr-14253	238	32	)	)	PUNCT
cblr-14253	238	33	;	;	PUNCT
cblr-14253	238	34	michael	michael	PROPN
cblr-14253	238	35	c.	c.	PROPN
cblr-14253	238	36	jensen	jensen	PROPN
cblr-14253	238	37	&	&	CCONJ
cblr-14253	238	38	william	william	PROPN
cblr-14253	238	39	h.	h.	PROPN
cblr-14253	238	40	meckling	meckling	PROPN
cblr-14253	238	41	,	,	PUNCT
cblr-14253	238	42	theory	theory	NOUN
cblr-14253	238	43	of	of	ADP
cblr-14253	238	44	the	the	DET
cblr-14253	238	45	firm	firm	NOUN
cblr-14253	238	46	:	:	PUNCT
cblr-14253	238	47	managerial	managerial	ADJ
cblr-14253	238	48	behavior	behavior	NOUN
cblr-14253	238	49	,	,	PUNCT
cblr-14253	238	50	agency	agency	NOUN
cblr-14253	238	51	costs	cost	NOUN
cblr-14253	238	52	,	,	PUNCT
cblr-14253	238	53	and	and	CCONJ
cblr-14253	238	54	ownership	ownership	NOUN
cblr-14253	238	55	structure	structure	NOUN
cblr-14253	238	56	,	,	PUNCT
cblr-14253	238	57	3	3	NUM
cblr-14253	238	58	j.	j.	PROPN
cblr-14253	238	59	fin	fin	PROPN
cblr-14253	238	60	.	.	PUNCT
cblr-14253	238	61	econ	econ	PROPN
cblr-14253	238	62	.	.	PUNCT
cblr-14253	239	1	305	305	NUM
cblr-14253	239	2	,	,	PUNCT
cblr-14253	239	3	308	308	NUM
cblr-14253	239	4	(	(	PUNCT
cblr-14253	239	5	1976	1976	NUM
cblr-14253	239	6	)	)	PUNCT
cblr-14253	239	7	;	;	PUNCT
cblr-14253	239	8	jean	jean	PROPN
cblr-14253	239	9	-	-	PUNCT
cblr-14253	239	10	jaques	jaques	PROPN
cblr-14253	239	11	laffont	laffont	PROPN
cblr-14253	239	12	&	&	CCONJ
cblr-14253	239	13	david	david	PROPN
cblr-14253	239	14	martimort	martimort	PROPN
cblr-14253	239	15	,	,	PUNCT
cblr-14253	239	16	the	the	DET
cblr-14253	239	17	theory	theory	NOUN
cblr-14253	239	18	of	of	ADP
cblr-14253	239	19	incentives	incentive	NOUN
cblr-14253	239	20	:	:	PUNCT
cblr-14253	239	21	the	the	DET
cblr-14253	239	22	principal	principal	ADJ
cblr-14253	239	23	-	-	PUNCT
cblr-14253	239	24	agent	agent	NOUN
cblr-14253	239	25	model	model	NOUN
cblr-14253	239	26	(	(	PUNCT
cblr-14253	239	27	2002	2002	NUM
cblr-14253	239	28	)	)	PUNCT
cblr-14253	239	29	;	;	PUNCT
cblr-14253	239	30	eric	eric	PROPN
cblr-14253	239	31	posner	posner	PROPN
cblr-14253	239	32	,	,	PUNCT
cblr-14253	239	33	agency	agency	NOUN
cblr-14253	239	34	models	model	NOUN
cblr-14253	239	35	in	in	ADP
cblr-14253	239	36	law	law	NOUN
cblr-14253	239	37	and	and	CCONJ
cblr-14253	239	38	economics	economic	NOUN
cblr-14253	239	39	,	,	PUNCT
cblr-14253	239	40	in	in	ADP
cblr-14253	239	41	chicago	chicago	PROPN
cblr-14253	239	42	lectures	lecture	NOUN
cblr-14253	239	43	in	in	ADP
cblr-14253	239	44	law	law	NOUN
cblr-14253	239	45	and	and	CCONJ
cblr-14253	239	46	economics	economic	NOUN
cblr-14253	239	47	225	225	NUM
cblr-14253	239	48	(	(	PUNCT
cblr-14253	239	49	eric	eric	PROPN
cblr-14253	239	50	a.	a.	PROPN
cblr-14253	239	51	posner	posner	PROPN
cblr-14253	239	52	ed	ed	PROPN
cblr-14253	239	53	.	.	PROPN
cblr-14253	239	54	,	,	PUNCT
cblr-14253	239	55	2000	2000	NUM
cblr-14253	239	56	)	)	PUNCT
cblr-14253	239	57	;	;	PUNCT
cblr-14253	239	58	and	and	CCONJ
cblr-14253	239	59	stephen	stephen	PROPN
cblr-14253	239	60	a.	a.	PROPN
cblr-14253	239	61	ross	ross	PROPN
cblr-14253	239	62	,	,	PUNCT
cblr-14253	239	63	the	the	DET
cblr-14253	239	64	economic	economic	ADJ
cblr-14253	239	65	theory	theory	NOUN
cblr-14253	239	66	of	of	ADP
cblr-14253	239	67	agency	agency	NOUN
cblr-14253	239	68	:	:	PUNCT
cblr-14253	239	69	the	the	DET
cblr-14253	239	70	principals	principal	NOUN
cblr-14253	239	71	problem	problem	NOUN
cblr-14253	239	72	,	,	PUNCT
cblr-14253	239	73	63	63	NUM
cblr-14253	239	74	am	am	NOUN
cblr-14253	239	75	.	.	PUNCT
cblr-14253	240	1	econ	econ	PROPN
cblr-14253	240	2	.	.	PUNCT
cblr-14253	241	1	rev	rev	PROPN
cblr-14253	241	2	.	.	PROPN
cblr-14253	241	3	134	134	NUM
cblr-14253	241	4	(	(	PUNCT
cblr-14253	241	5	1973	1973	NUM
cblr-14253	241	6	)	)	PUNCT
cblr-14253	241	7	.	.	PUNCT
cblr-14253	242	1	45	45	NUM
cblr-14253	242	2	bar	bar	NOUN
cblr-14253	242	3	-	-	PUNCT
cblr-14253	242	4	gill	gill	NOUN
cblr-14253	242	5	,	,	PUNCT
cblr-14253	242	6	supra	supra	PROPN
cblr-14253	242	7	note	note	PROPN
cblr-14253	242	8	40	40	NUM
cblr-14253	242	9	,	,	PUNCT
cblr-14253	242	10	at	at	ADP
cblr-14253	242	11	1150–51	1150–51	NUM
cblr-14253	242	12	;	;	PUNCT
cblr-14253	242	13	mark	mark	PROPN
cblr-14253	242	14	s.	s.	PROPN
cblr-14253	242	15	nadel	nadel	PROPN
cblr-14253	242	16	,	,	PUNCT
cblr-14253	242	17	obstacles	obstacle	NOUN
cblr-14253	242	18	to	to	ADP
cblr-14253	242	19	price	price	NOUN
cblr-14253	242	20	competition	competition	NOUN
cblr-14253	242	21	in	in	ADP
cblr-14253	242	22	the	the	DET
cblr-14253	242	23	residential	residential	ADJ
cblr-14253	242	24	real	real	ADJ
cblr-14253	242	25	estate	estate	NOUN
cblr-14253	242	26	brokerage	brokerage	NOUN
cblr-14253	242	27	market	market	NOUN
cblr-14253	242	28	,	,	PUNCT
cblr-14253	242	29	18	18	NUM
cblr-14253	242	30	berkeley	berkeley	PROPN
cblr-14253	242	31	bus	bus	NOUN
cblr-14253	242	32	.	.	PUNCT
cblr-14253	243	1	l.j	l.j	PROPN
cblr-14253	243	2	.	.	PROPN
cblr-14253	243	3	90	90	NUM
cblr-14253	243	4	,	,	PUNCT
cblr-14253	243	5	114–19	114–19	NOUN
cblr-14253	243	6	(	(	PUNCT
cblr-14253	243	7	2021	2021	NUM
cblr-14253	243	8	)	)	PUNCT
cblr-14253	243	9	;	;	PUNCT
cblr-14253	243	10	lawrence	lawrence	PROPN
cblr-14253	243	11	j.	j.	PROPN
cblr-14253	243	12	white	white	PROPN
cblr-14253	243	13	,	,	PUNCT
cblr-14253	243	14	the	the	DET
cblr-14253	243	15	residential	residential	ADJ
cblr-14253	243	16	real	real	ADJ
cblr-14253	243	17	estate	estate	NOUN
cblr-14253	243	18	brokerage	brokerage	NOUN
cblr-14253	243	19	industry	industry	NOUN
cblr-14253	243	20	:	:	PUNCT
cblr-14253	243	21	what	what	PRON
cblr-14253	243	22	would	would	AUX
cblr-14253	243	23	more	more	ADV
cblr-14253	243	24	vigorous	vigorous	ADJ
cblr-14253	243	25	competition	competition	NOUN
cblr-14253	243	26	look	look	VERB
cblr-14253	243	27	like	like	ADP
cblr-14253	243	28	?	?	PUNCT
cblr-14253	243	29	,	,	PUNCT
cblr-14253	243	30	35	35	NUM
cblr-14253	243	31	real	real	ADJ
cblr-14253	243	32	est	est	NOUN
cblr-14253	243	33	.	.	PUNCT
cblr-14253	244	1	l.j	l.j	NOUN
cblr-14253	244	2	.	.	PROPN
cblr-14253	244	3	11	11	NUM
cblr-14253	244	4	,	,	PUNCT
cblr-14253	244	5	30	30	NUM
cblr-14253	244	6	(	(	PUNCT
cblr-14253	244	7	2006	2006	NUM
cblr-14253	244	8	)	)	PUNCT
cblr-14253	244	9	.	.	PUNCT
cblr-14253	245	1	46	46	NUM
cblr-14253	245	2	see	see	VERB
cblr-14253	245	3	12	12	NUM
cblr-14253	245	4	u.s.c	u.s.c	ADJ
cblr-14253	245	5	.	.	PUNCT
cblr-14253	246	1	§	§	PROPN
cblr-14253	246	2	2601(b)(1)–(2	2601(b)(1)–(2	PROPN
cblr-14253	246	3	)	)	PUNCT
cblr-14253	246	4	.	.	PUNCT
cblr-14253	247	1	47	47	NUM
cblr-14253	247	2	12	12	NUM
cblr-14253	247	3	u.s.c	u.s.c	NOUN
cblr-14253	247	4	.	.	PUNCT
cblr-14253	248	1	§	§	PROPN
cblr-14253	248	2	2607(a	2607(a	NUM
cblr-14253	248	3	)	)	PUNCT
cblr-14253	248	4	.	.	PUNCT
cblr-14253	249	1	406	406	NUM
cblr-14253	249	2	columbia	columbia	PROPN
cblr-14253	249	3	business	business	NOUN
cblr-14253	249	4	law	law	PROPN
cblr-14253	249	5	review	review	NOUN
cblr-14253	249	6	[	[	X
cblr-14253	249	7	vol	vol	NOUN
cblr-14253	249	8	.	.	PUNCT
cblr-14253	249	9	2025	2025	NUM
cblr-14253	249	10	a	a	DET
cblr-14253	249	11	competitive	competitive	ADJ
cblr-14253	249	12	,	,	PUNCT
cblr-14253	249	13	free	free	ADJ
cblr-14253	249	14	market	market	NOUN
cblr-14253	249	15	in	in	ADP
cblr-14253	249	16	real	real	ADJ
cblr-14253	249	17	-	-	PUNCT
cblr-14253	249	18	estate	estate	NOUN
cblr-14253	249	19	transactions.48	transactions.48	PROPN
cblr-14253	249	20	congress	congress	PROPN
cblr-14253	249	21	took	take	VERB
cblr-14253	249	22	the	the	DET
cblr-14253	249	23	view	view	NOUN
cblr-14253	249	24	that	that	SCONJ
cblr-14253	249	25	consumers	consumer	NOUN
cblr-14253	249	26	need	need	VERB
cblr-14253	249	27	protection	protection	NOUN
cblr-14253	249	28	from	from	ADP
cblr-14253	249	29	the	the	DET
cblr-14253	249	30	hidden	hidden	ADJ
cblr-14253	249	31	closing	closing	NOUN
cblr-14253	249	32	costs	cost	NOUN
cblr-14253	249	33	facilitated	facilitate	VERB
cblr-14253	249	34	by	by	ADP
cblr-14253	249	35	officious	officious	ADJ
cblr-14253	249	36	steering	steering	NOUN
cblr-14253	249	37	incentivized	incentivize	VERB
cblr-14253	249	38	by	by	ADP
cblr-14253	249	39	secret	secret	ADJ
cblr-14253	249	40	payments	payment	NOUN
cblr-14253	249	41	in	in	ADP
cblr-14253	249	42	what	what	PRON
cblr-14253	249	43	,	,	PUNCT
cblr-14253	249	44	for	for	ADP
cblr-14253	249	45	many	many	ADJ
cblr-14253	249	46	,	,	PUNCT
cblr-14253	249	47	may	may	AUX
cblr-14253	249	48	be	be	AUX
cblr-14253	249	49	the	the	DET
cblr-14253	249	50	most	most	ADV
cblr-14253	249	51	important	important	ADJ
cblr-14253	249	52	contract	contract	NOUN
cblr-14253	249	53	of	of	ADP
cblr-14253	249	54	their	their	PRON
cblr-14253	249	55	life	life	NOUN
cblr-14253	249	56	.	.	PUNCT
cblr-14253	250	1	in	in	ADP
cblr-14253	250	2	the	the	DET
cblr-14253	250	3	deregulatory	deregulatory	ADJ
cblr-14253	250	4	wave	wave	NOUN
cblr-14253	250	5	of	of	ADP
cblr-14253	250	6	the	the	DET
cblr-14253	250	7	early	early	ADJ
cblr-14253	250	8	1980s	1980s	NUM
cblr-14253	250	9	,	,	PUNCT
cblr-14253	250	10	and	and	CCONJ
cblr-14253	250	11	under	under	ADP
cblr-14253	250	12	intense	intense	ADJ
cblr-14253	250	13	industry	industry	NOUN
cblr-14253	250	14	pressure	pressure	NOUN
cblr-14253	250	15	,	,	PUNCT
cblr-14253	250	16	congress	congress	PROPN
cblr-14253	250	17	revisited	revisit	VERB
cblr-14253	250	18	respa	respa	NOUN
cblr-14253	250	19	.	.	PUNCT
cblr-14253	251	1	resisting	resist	VERB
cblr-14253	251	2	the	the	DET
cblr-14253	251	3	industry	industry	NOUN
cblr-14253	251	4	lobbying	lobby	VERB
cblr-14253	251	5	for	for	ADP
cblr-14253	251	6	outright	outright	ADJ
cblr-14253	251	7	repeal	repeal	NOUN
cblr-14253	251	8	,	,	PUNCT
cblr-14253	251	9	congress	congress	PROPN
cblr-14253	251	10	left	leave	VERB
cblr-14253	251	11	its	its	PRON
cblr-14253	251	12	kickback	kickback	NOUN
cblr-14253	251	13	prohibition	prohibition	NOUN
cblr-14253	251	14	in	in	ADP
cblr-14253	251	15	place	place	NOUN
cblr-14253	251	16	but	but	CCONJ
cblr-14253	251	17	enacted	enact	VERB
cblr-14253	251	18	an	an	DET
cblr-14253	251	19	exception	exception	NOUN
cblr-14253	251	20	for	for	ADP
cblr-14253	251	21	payments	payment	NOUN
cblr-14253	251	22	made	make	VERB
cblr-14253	251	23	in	in	ADP
cblr-14253	251	24	connection	connection	NOUN
cblr-14253	251	25	with	with	ADP
cblr-14253	251	26	jointly	jointly	ADV
cblr-14253	251	27	owned	own	VERB
cblr-14253	251	28	businesses	business	NOUN
cblr-14253	251	29	.	.	PUNCT
cblr-14253	252	1	this	this	DET
cblr-14253	252	2	exception	exception	NOUN
cblr-14253	252	3	allowed	allow	VERB
cblr-14253	252	4	payments	payment	NOUN
cblr-14253	252	5	from	from	ADP
cblr-14253	252	6	one	one	NUM
cblr-14253	252	7	settlement	settlement	NOUN
cblr-14253	252	8	-	-	PUNCT
cblr-14253	252	9	services	service	NOUN
cblr-14253	252	10	provider	provider	NOUN
cblr-14253	252	11	to	to	ADP
cblr-14253	252	12	another	another	PRON
cblr-14253	252	13	if	if	SCONJ
cblr-14253	252	14	,	,	PUNCT
cblr-14253	252	15	among	among	ADP
cblr-14253	252	16	other	other	ADJ
cblr-14253	252	17	requirements	requirement	NOUN
cblr-14253	252	18	not	not	PART
cblr-14253	252	19	at	at	ADP
cblr-14253	252	20	issue	issue	NOUN
cblr-14253	252	21	here	here	ADV
cblr-14253	252	22	,	,	PUNCT
cblr-14253	252	23	the	the	DET
cblr-14253	252	24	only	only	ADJ
cblr-14253	252	25	thing	thing	NOUN
cblr-14253	252	26	of	of	ADP
cblr-14253	252	27	value	value	NOUN
cblr-14253	252	28	paid	pay	VERB
cblr-14253	252	29	is	be	AUX
cblr-14253	252	30	a	a	DET
cblr-14253	252	31	return	return	NOUN
cblr-14253	252	32	on	on	ADP
cblr-14253	252	33	the	the	DET
cblr-14253	252	34	ownership	ownership	NOUN
cblr-14253	252	35	interest	interest	NOUN
cblr-14253	252	36	in	in	ADP
cblr-14253	252	37	a	a	DET
cblr-14253	252	38	jointly	jointly	ADV
cblr-14253	252	39	owned	own	VERB
cblr-14253	252	40	business.49	business.49	NOUN
cblr-14253	252	41	currently	currently	ADV
cblr-14253	252	42	,	,	PUNCT
cblr-14253	252	43	respa	respa	PROPN
cblr-14253	252	44	characterizes	characterize	VERB
cblr-14253	252	45	these	these	DET
cblr-14253	252	46	jointly	jointly	ADV
cblr-14253	252	47	owned	own	VERB
cblr-14253	252	48	ventures	venture	NOUN
cblr-14253	252	49	as	as	ADP
cblr-14253	252	50	“	"	PUNCT
cblr-14253	252	51	affiliated	affiliated	ADJ
cblr-14253	252	52	business	business	NOUN
cblr-14253	252	53	arrangements	arrangement	NOUN
cblr-14253	252	54	.	.	PUNCT
cblr-14253	253	1	”50	”50	NOUN
cblr-14253	253	2	in	in	ADP
cblr-14253	253	3	subsequent	subsequent	ADJ
cblr-14253	253	4	decades	decade	NOUN
cblr-14253	253	5	,	,	PUNCT
cblr-14253	253	6	some	some	DET
cblr-14253	253	7	settlement	settlement	NOUN
cblr-14253	253	8	-	-	PUNCT
cblr-14253	253	9	services	service	NOUN
cblr-14253	253	10	businesses	business	NOUN
cblr-14253	253	11	have	have	AUX
cblr-14253	253	12	thrived	thrive	VERB
cblr-14253	253	13	as	as	ADP
cblr-14253	253	14	independent	independent	ADJ
cblr-14253	253	15	companies	company	NOUN
cblr-14253	253	16	by	by	ADP
cblr-14253	253	17	offering	offer	VERB
cblr-14253	253	18	quality	quality	NOUN
cblr-14253	253	19	services	service	NOUN
cblr-14253	253	20	and	and	CCONJ
cblr-14253	253	21	competitive	competitive	ADJ
cblr-14253	253	22	prices	price	NOUN
cblr-14253	253	23	.	.	PUNCT
cblr-14253	254	1	but	but	CCONJ
cblr-14253	254	2	the	the	DET
cblr-14253	254	3	potential	potential	NOUN
cblr-14253	254	4	to	to	PART
cblr-14253	254	5	compete	compete	VERB
cblr-14253	254	6	with	with	ADP
cblr-14253	254	7	referral	referral	ADJ
cblr-14253	254	8	payments	payment	NOUN
cblr-14253	254	9	,	,	PUNCT
cblr-14253	254	10	albeit	albeit	SCONJ
cblr-14253	254	11	processed	process	VERB
cblr-14253	254	12	through	through	ADP
cblr-14253	254	13	jointly	jointly	ADV
cblr-14253	254	14	owned	own	VERB
cblr-14253	254	15	affiliated	affiliated	ADJ
cblr-14253	254	16	-	-	PUNCT
cblr-14253	254	17	business	business	NOUN
cblr-14253	254	18	arrangements	arrangement	NOUN
cblr-14253	254	19	,	,	PUNCT
cblr-14253	254	20	has	have	AUX
cblr-14253	254	21	remained	remain	VERB
cblr-14253	254	22	strong	strong	ADJ
cblr-14253	254	23	.	.	PUNCT
cblr-14253	255	1	affiliated	affiliate	VERB
cblr-14253	255	2	-	-	PUNCT
cblr-14253	255	3	business	business	NOUN
cblr-14253	255	4	arrangements	arrangement	NOUN
cblr-14253	255	5	have	have	AUX
cblr-14253	255	6	taken	take	VERB
cblr-14253	255	7	many	many	ADJ
cblr-14253	255	8	different	different	ADJ
cblr-14253	255	9	forms	form	NOUN
cblr-14253	255	10	.	.	PUNCT
cblr-14253	256	1	but	but	CCONJ
cblr-14253	256	2	in	in	ADP
cblr-14253	256	3	recent	recent	ADJ
cblr-14253	256	4	years	year	NOUN
cblr-14253	256	5	,	,	PUNCT
cblr-14253	256	6	the	the	DET
cblr-14253	256	7	real	real	ADJ
cblr-14253	256	8	-	-	PUNCT
cblr-14253	256	9	estate	estate	NOUN
cblr-14253	256	10	settlement	settlement	NOUN
cblr-14253	256	11	-	-	PUNCT
cblr-14253	256	12	services	service	NOUN
cblr-14253	256	13	market	market	NOUN
cblr-14253	256	14	has	have	AUX
cblr-14253	256	15	seen	see	VERB
cblr-14253	256	16	a	a	DET
cblr-14253	256	17	proliferation	proliferation	NOUN
cblr-14253	256	18	of	of	ADP
cblr-14253	256	19	joint	joint	ADJ
cblr-14253	256	20	ventures	venture	NOUN
cblr-14253	256	21	between	between	ADP
cblr-14253	256	22	established	establish	VERB
cblr-14253	256	23	settlement	settlement	NOUN
cblr-14253	256	24	-	-	PUNCT
cblr-14253	256	25	services	service	NOUN
cblr-14253	256	26	providers	provider	NOUN
cblr-14253	256	27	and	and	CCONJ
cblr-14253	256	28	real	real	ADJ
cblr-14253	256	29	-	-	PUNCT
cblr-14253	256	30	estate	estate	NOUN
cblr-14253	256	31	agents.51	agents.51	NOUN
cblr-14253	256	32	figure	figure	NOUN
cblr-14253	256	33	1	1	NUM
cblr-14253	256	34	provides	provide	VERB
cblr-14253	256	35	a	a	DET
cblr-14253	256	36	schematic	schematic	ADJ
cblr-14253	256	37	of	of	ADP
cblr-14253	256	38	a	a	DET
cblr-14253	256	39	modern	modern	ADJ
cblr-14253	256	40	joint	joint	ADJ
cblr-14253	256	41	venture	venture	NOUN
cblr-14253	256	42	that	that	SCONJ
cblr-14253	256	43	real	real	ADJ
cblr-14253	256	44	-	-	PUNCT
cblr-14253	256	45	estate	estate	NOUN
cblr-14253	256	46	-	-	PUNCT
cblr-14253	256	47	industry	industry	NOUN
cblr-14253	256	48	insiders	insider	NOUN
cblr-14253	256	49	report	report	NOUN
cblr-14253	256	50	has	have	AUX
cblr-14253	256	51	become	become	VERB
cblr-14253	256	52	increasingly	increasingly	ADV
cblr-14253	256	53	common	common	ADJ
cblr-14253	256	54	—	—	PUNCT
cblr-14253	256	55	and	and	CCONJ
cblr-14253	256	56	indeed	indeed	ADV
cblr-14253	256	57	has	have	AUX
cblr-14253	256	58	come	come	VERB
cblr-14253	256	59	to	to	ADP
cblr-14253	256	60	48	48	NUM
cblr-14253	256	61	pub	pub	NOUN
cblr-14253	256	62	.	.	PUNCT
cblr-14253	257	1	l.	l.	PROPN
cblr-14253	257	2	no	no	INTJ
cblr-14253	257	3	.	.	PROPN
cblr-14253	258	1	93	93	NUM
cblr-14253	258	2	-	-	SYM
cblr-14253	258	3	533	533	NUM
cblr-14253	258	4	,	,	PUNCT
cblr-14253	258	5	§	§	NOUN
cblr-14253	258	6	 	 	SPACE
cblr-14253	258	7	2	2	NUM
cblr-14253	258	8	,	,	PUNCT
cblr-14253	258	9	88	88	NUM
cblr-14253	258	10	stat	stat	NOUN
cblr-14253	258	11	.	.	PUNCT
cblr-14253	259	1	1724	1724	NUM
cblr-14253	259	2	(	(	PUNCT
cblr-14253	259	3	codified	codify	VERB
cblr-14253	259	4	at	at	ADP
cblr-14253	259	5	12	12	NUM
cblr-14253	259	6	.	.	PUNCT
cblr-14253	260	1	u.s.c	u.s.c	ADJ
cblr-14253	260	2	.	.	PUNCT
cblr-14253	261	1	§	§	PROPN
cblr-14253	261	2	2601	2601	NUM
cblr-14253	261	3	)	)	PUNCT
cblr-14253	261	4	;	;	PUNCT
cblr-14253	261	5	providing	provide	VERB
cblr-14253	261	6	for	for	ADP
cblr-14253	261	7	greater	great	ADJ
cblr-14253	261	8	disclosure	disclosure	NOUN
cblr-14253	261	9	of	of	ADP
cblr-14253	261	10	the	the	DET
cblr-14253	261	11	nature	nature	NOUN
cblr-14253	261	12	and	and	CCONJ
cblr-14253	261	13	costs	cost	NOUN
cblr-14253	261	14	of	of	ADP
cblr-14253	261	15	real	real	ADJ
cblr-14253	261	16	estate	estate	NOUN
cblr-14253	261	17	settlement	settlement	NOUN
cblr-14253	261	18	services	service	NOUN
cblr-14253	261	19	,	,	PUNCT
cblr-14253	261	20	s.	s.	PROPN
cblr-14253	261	21	rep	rep	PROPN
cblr-14253	261	22	.	.	PROPN
cblr-14253	261	23	no	no	INTJ
cblr-14253	261	24	.	.	PROPN
cblr-14253	262	1	93	93	NUM
cblr-14253	262	2	-	-	SYM
cblr-14253	262	3	866	866	NUM
cblr-14253	262	4	,	,	PUNCT
cblr-14253	262	5	at	at	ADP
cblr-14253	262	6	2	2	NUM
cblr-14253	262	7	(	(	PUNCT
cblr-14253	262	8	1974	1974	NUM
cblr-14253	262	9	)	)	PUNCT
cblr-14253	262	10	.	.	PUNCT
cblr-14253	263	1	49	49	NUM
cblr-14253	263	2	see	see	VERB
cblr-14253	263	3	12	12	NUM
cblr-14253	263	4	u.s.c	u.s.c	ADJ
cblr-14253	263	5	.	.	PUNCT
cblr-14253	264	1	§	§	PROPN
cblr-14253	264	2	2607(c)(4)(c	2607(c)(4)(c	NUM
cblr-14253	264	3	)	)	PUNCT
cblr-14253	264	4	.	.	PUNCT
cblr-14253	265	1	50	50	NUM
cblr-14253	265	2	see	see	VERB
cblr-14253	265	3	12	12	NUM
cblr-14253	265	4	u.s.c	u.s.c	ADJ
cblr-14253	265	5	.	.	PUNCT
cblr-14253	266	1	§	§	PROPN
cblr-14253	266	2	2602(7	2602(7	NUM
cblr-14253	266	3	)	)	PUNCT
cblr-14253	266	4	.	.	PUNCT
cblr-14253	267	1	51	51	NUM
cblr-14253	267	2	mathew	mathew	PROPN
cblr-14253	267	3	blake	blake	PROPN
cblr-14253	267	4	,	,	PUNCT
cblr-14253	267	5	respa	respa	PROPN
cblr-14253	267	6	for	for	ADP
cblr-14253	267	7	dummies	dummy	NOUN
cblr-14253	267	8	,	,	PUNCT
cblr-14253	267	9	housingwire	housingwire	NOUN
cblr-14253	267	10	(	(	PUNCT
cblr-14253	267	11	oct	oct	PROPN
cblr-14253	267	12	.	.	PROPN
cblr-14253	267	13	27	27	NUM
cblr-14253	267	14	,	,	PUNCT
cblr-14253	267	15	2021	2021	NUM
cblr-14253	267	16	)	)	PUNCT
cblr-14253	267	17	,	,	PUNCT
cblr-14253	267	18	https://www.housingwire.com/podcast/respa-for-dummies/	https://www.housingwire.com/podcast/respa-for-dummies/	PROPN
cblr-14253	268	1	[	[	X
cblr-14253	268	2	https://perma.cc/fv84-4vbb	https://perma.cc/fv84-4vbb	X
cblr-14253	268	3	]	]	X
cblr-14253	268	4	(	(	PUNCT
cblr-14253	268	5	“	"	PUNCT
cblr-14253	268	6	[	[	X
cblr-14253	268	7	j]oint	j]oint	NOUN
cblr-14253	268	8	ventures	venture	NOUN
cblr-14253	268	9	are	be	AUX
cblr-14253	268	10	the	the	DET
cblr-14253	268	11	business	business	NOUN
cblr-14253	268	12	plan	plan	NOUN
cblr-14253	268	13	of	of	ADP
cblr-14253	268	14	choice	choice	NOUN
cblr-14253	268	15	for	for	ADP
cblr-14253	268	16	an	an	DET
cblr-14253	268	17	increasing	increase	VERB
cblr-14253	268	18	number	number	NOUN
cblr-14253	268	19	of	of	ADP
cblr-14253	268	20	brokerages	brokerage	NOUN
cblr-14253	268	21	and	and	CCONJ
cblr-14253	268	22	lenders	lender	NOUN
cblr-14253	268	23	.	.	PUNCT
cblr-14253	268	24	”	"	PUNCT
cblr-14253	268	25	)	)	PUNCT
cblr-14253	268	26	.	.	PUNCT
cblr-14253	269	1	no	no	INTJ
cblr-14253	269	2	.	.	NOUN
cblr-14253	270	1	1	1	NUM
cblr-14253	270	2	]	]	PUNCT
cblr-14253	270	3	corrupt	corrupt	ADJ
cblr-14253	270	4	joint	joint	ADJ
cblr-14253	270	5	ventures	venture	NOUN
cblr-14253	270	6	407	407	NUM
cblr-14253	270	7	dominate	dominate	VERB
cblr-14253	270	8	many	many	ADJ
cblr-14253	270	9	local	local	ADJ
cblr-14253	270	10	real	real	ADJ
cblr-14253	270	11	-	-	PUNCT
cblr-14253	270	12	estate	estate	NOUN
cblr-14253	270	13	markets.52	markets.52	NOUN
cblr-14253	270	14	in	in	ADP
cblr-14253	270	15	a	a	DET
cblr-14253	270	16	typical	typical	ADJ
cblr-14253	270	17	arrangement	arrangement	NOUN
cblr-14253	270	18	,	,	PUNCT
cblr-14253	270	19	a	a	DET
cblr-14253	270	20	real	real	ADJ
cblr-14253	270	21	-	-	PUNCT
cblr-14253	270	22	estate	estate	NOUN
cblr-14253	270	23	settlement	settlement	NOUN
cblr-14253	270	24	-	-	PUNCT
cblr-14253	270	25	services	service	NOUN
cblr-14253	270	26	provider	provider	NOUN
cblr-14253	270	27	—	—	PUNCT
cblr-14253	270	28	in	in	ADP
cblr-14253	270	29	this	this	DET
cblr-14253	270	30	example	example	NOUN
cblr-14253	270	31	a	a	DET
cblr-14253	270	32	local	local	ADJ
cblr-14253	270	33	title	title	NOUN
cblr-14253	270	34	company	company	NOUN
cblr-14253	270	35	—	—	PUNCT
cblr-14253	270	36	begins	begin	VERB
cblr-14253	270	37	by	by	ADP
cblr-14253	270	38	approaching	approach	VERB
cblr-14253	270	39	a	a	DET
cblr-14253	270	40	leading	lead	VERB
cblr-14253	270	41	real	real	ADJ
cblr-14253	270	42	-	-	PUNCT
cblr-14253	270	43	estate	estate	NOUN
cblr-14253	270	44	agent	agent	NOUN
cblr-14253	270	45	with	with	ADP
cblr-14253	270	46	a	a	DET
cblr-14253	270	47	significant	significant	ADJ
cblr-14253	270	48	book	book	NOUN
cblr-14253	270	49	of	of	ADP
cblr-14253	270	50	business	business	NOUN
cblr-14253	270	51	.	.	PUNCT
cblr-14253	271	1	the	the	DET
cblr-14253	271	2	title	title	NOUN
cblr-14253	271	3	company	company	NOUN
cblr-14253	271	4	offers	offer	VERB
cblr-14253	271	5	to	to	PART
cblr-14253	271	6	establish	establish	VERB
cblr-14253	271	7	a	a	DET
cblr-14253	271	8	joint	joint	ADJ
cblr-14253	271	9	venture	venture	NOUN
cblr-14253	271	10	with	with	ADP
cblr-14253	271	11	the	the	DET
cblr-14253	271	12	real	real	ADJ
cblr-14253	271	13	-	-	PUNCT
cblr-14253	271	14	estate	estate	NOUN
cblr-14253	271	15	agent	agent	NOUN
cblr-14253	271	16	in	in	ADP
cblr-14253	271	17	the	the	DET
cblr-14253	271	18	form	form	NOUN
cblr-14253	271	19	of	of	ADP
cblr-14253	271	20	a	a	DET
cblr-14253	271	21	limited	limited	ADJ
cblr-14253	271	22	-	-	PUNCT
cblr-14253	271	23	liability	liability	NOUN
cblr-14253	271	24	company	company	NOUN
cblr-14253	271	25	(	(	PUNCT
cblr-14253	271	26	llc	llc	PROPN
cblr-14253	271	27	)	)	PUNCT
cblr-14253	271	28	.	.	PUNCT
cblr-14253	272	1	in	in	ADP
cblr-14253	272	2	the	the	DET
cblr-14253	272	3	proposed	propose	VERB
cblr-14253	272	4	joint	joint	ADJ
cblr-14253	272	5	venture	venture	NOUN
cblr-14253	272	6	,	,	PUNCT
cblr-14253	272	7	both	both	CCONJ
cblr-14253	272	8	the	the	DET
cblr-14253	272	9	title	title	NOUN
cblr-14253	272	10	company	company	NOUN
cblr-14253	272	11	and	and	CCONJ
cblr-14253	272	12	the	the	DET
cblr-14253	272	13	real	real	ADJ
cblr-14253	272	14	-	-	PUNCT
cblr-14253	272	15	estate	estate	NOUN
cblr-14253	272	16	agent	agent	NOUN
cblr-14253	272	17	would	would	AUX
cblr-14253	272	18	co	co	VERB
cblr-14253	272	19	-	-	VERB
cblr-14253	272	20	own	own	VERB
cblr-14253	272	21	the	the	DET
cblr-14253	272	22	llc	llc	NOUN
cblr-14253	272	23	,	,	PUNCT
cblr-14253	272	24	which	which	PRON
cblr-14253	272	25	provides	provide	VERB
cblr-14253	272	26	the	the	DET
cblr-14253	272	27	same	same	ADJ
cblr-14253	272	28	title	title	NOUN
cblr-14253	272	29	-	-	PUNCT
cblr-14253	272	30	insurance	insurance	NOUN
cblr-14253	272	31	and	and	CCONJ
cblr-14253	272	32	settlement	settlement	NOUN
cblr-14253	272	33	services	service	NOUN
cblr-14253	272	34	as	as	ADP
cblr-14253	272	35	the	the	DET
cblr-14253	272	36	established	established	ADJ
cblr-14253	272	37	title	title	NOUN
cblr-14253	272	38	company	company	NOUN
cblr-14253	272	39	.	.	PUNCT
cblr-14253	273	1	the	the	DET
cblr-14253	273	2	established	establish	VERB
cblr-14253	273	3	title	title	NOUN
cblr-14253	273	4	company	company	NOUN
cblr-14253	273	5	often	often	ADV
cblr-14253	273	6	shares	share	VERB
cblr-14253	273	7	employees	employee	NOUN
cblr-14253	273	8	,	,	PUNCT
cblr-14253	273	9	offices	office	NOUN
cblr-14253	273	10	,	,	PUNCT
cblr-14253	273	11	licenses	license	NOUN
cblr-14253	273	12	,	,	PUNCT
cblr-14253	273	13	software	software	NOUN
cblr-14253	273	14	,	,	PUNCT
cblr-14253	273	15	and	and	CCONJ
cblr-14253	273	16	management	management	NOUN
cblr-14253	273	17	with	with	ADP
cblr-14253	273	18	the	the	DET
cblr-14253	273	19	new	new	ADJ
cblr-14253	273	20	joint	joint	ADJ
cblr-14253	273	21	-	-	PUNCT
cblr-14253	273	22	venture	venture	NOUN
cblr-14253	273	23	title	title	NOUN
cblr-14253	273	24	company	company	NOUN
cblr-14253	273	25	.	.	PUNCT
cblr-14253	274	1	more	more	ADV
cblr-14253	274	2	importantly	importantly	ADV
cblr-14253	274	3	,	,	PUNCT
cblr-14253	274	4	the	the	DET
cblr-14253	274	5	joint	joint	ADJ
cblr-14253	274	6	venture	venture	NOUN
cblr-14253	274	7	is	be	AUX
cblr-14253	274	8	led	lead	VERB
cblr-14253	274	9	with	with	ADP
cblr-14253	274	10	industry	industry	NOUN
cblr-14253	274	11	know	know	NOUN
cblr-14253	274	12	-	-	PUNCT
cblr-14253	274	13	how	how	NOUN
cblr-14253	274	14	and	and	CCONJ
cblr-14253	274	15	management	management	NOUN
cblr-14253	274	16	experience	experience	NOUN
cblr-14253	274	17	of	of	ADP
cblr-14253	274	18	the	the	DET
cblr-14253	274	19	established	establish	VERB
cblr-14253	274	20	title	title	NOUN
cblr-14253	274	21	company	company	NOUN
cblr-14253	274	22	’s	’s	PART
cblr-14253	274	23	management	management	NOUN
cblr-14253	274	24	.	.	PUNCT
cblr-14253	275	1	often	often	ADV
cblr-14253	275	2	,	,	PUNCT
cblr-14253	275	3	the	the	DET
cblr-14253	275	4	joint	joint	ADJ
cblr-14253	275	5	venture	venture	NOUN
cblr-14253	275	6	has	have	VERB
cblr-14253	275	7	only	only	ADV
cblr-14253	275	8	a	a	DET
cblr-14253	275	9	single	single	ADJ
cblr-14253	275	10	employee	employee	NOUN
cblr-14253	275	11	who	who	PRON
cblr-14253	275	12	may	may	AUX
cblr-14253	275	13	have	have	VERB
cblr-14253	275	14	other	other	ADJ
cblr-14253	275	15	responsibilities	responsibility	NOUN
cblr-14253	275	16	at	at	ADP
cblr-14253	275	17	the	the	DET
cblr-14253	275	18	established	establish	VERB
cblr-14253	275	19	title	title	NOUN
cblr-14253	275	20	company	company	NOUN
cblr-14253	275	21	or	or	CCONJ
cblr-14253	275	22	its	its	PRON
cblr-14253	275	23	other	other	ADJ
cblr-14253	275	24	joint	joint	ADJ
cblr-14253	275	25	ventures	venture	NOUN
cblr-14253	275	26	.	.	PUNCT
cblr-14253	276	1	52	52	NUM
cblr-14253	276	2	see	see	VERB
cblr-14253	276	3	why	why	SCONJ
cblr-14253	276	4	title	title	NOUN
cblr-14253	276	5	companies	company	NOUN
cblr-14253	276	6	are	be	AUX
cblr-14253	276	7	n’t	not	PART
cblr-14253	276	8	really	really	ADV
cblr-14253	276	9	title	title	NOUN
cblr-14253	276	10	companies	company	NOUN
cblr-14253	276	11	.	.	PUNCT
cblr-14253	276	12	.	.	PUNCT
cblr-14253	276	13	.	.	PUNCT
cblr-14253	277	1	anymore	anymore	ADV
cblr-14253	277	2	,	,	PUNCT
cblr-14253	277	3	dc	dc	PROPN
cblr-14253	277	4	title	title	NOUN
cblr-14253	277	5	guy	guy	NOUN
cblr-14253	277	6	(	(	PUNCT
cblr-14253	277	7	may	may	PROPN
cblr-14253	277	8	22	22	NUM
cblr-14253	277	9	,	,	PUNCT
cblr-14253	277	10	2023	2023	NUM
cblr-14253	277	11	)	)	PUNCT
cblr-14253	277	12	,	,	PUNCT
cblr-14253	277	13	https://dctitleguy.com/why-title-companiesarent-really-title-companies-anymore/	https://dctitleguy.com/why-title-companiesarent-really-title-companies-anymore/	PROPN
cblr-14253	278	1	[	[	X
cblr-14253	278	2	https://perma.cc/dt3e-wf9r	https://perma.cc/dt3e-wf9r	X
cblr-14253	278	3	]	]	X
cblr-14253	278	4	(	(	PUNCT
cblr-14253	278	5	“	"	PUNCT
cblr-14253	278	6	title	title	NOUN
cblr-14253	278	7	companies	company	NOUN
cblr-14253	278	8	are	be	AUX
cblr-14253	278	9	becoming	become	VERB
cblr-14253	278	10	revenue	revenue	NOUN
cblr-14253	278	11	streams	stream	NOUN
cblr-14253	278	12	for	for	ADP
cblr-14253	278	13	[	[	PUNCT
cblr-14253	278	14	real	real	ADJ
cblr-14253	278	15	estate	estate	NOUN
cblr-14253	278	16	]	]	PUNCT
cblr-14253	278	17	agents	agent	NOUN
cblr-14253	278	18	.	.	PUNCT
cblr-14253	278	19	”	"	PUNCT
cblr-14253	278	20	)	)	PUNCT
cblr-14253	278	21	;	;	PUNCT
cblr-14253	278	22	joe	joe	PROPN
cblr-14253	278	23	gentile	gentile	NOUN
cblr-14253	278	24	,	,	PUNCT
cblr-14253	278	25	when	when	SCONJ
cblr-14253	278	26	a	a	DET
cblr-14253	278	27	listing	listing	NOUN
cblr-14253	278	28	forces	force	NOUN
cblr-14253	278	29	the	the	DET
cblr-14253	278	30	contract	contract	NOUN
cblr-14253	278	31	to	to	ADP
cblr-14253	278	32	their	their	PRON
cblr-14253	278	33	title	title	NOUN
cblr-14253	278	34	company	company	NOUN
cblr-14253	278	35	,	,	PUNCT
cblr-14253	278	36	fed	fed	PROPN
cblr-14253	278	37	.	.	PUNCT
cblr-14253	279	1	title	title	PROPN
cblr-14253	279	2	&	&	CCONJ
cblr-14253	279	3	escrow	escrow	PROPN
cblr-14253	279	4	co.	co.	PROPN
cblr-14253	279	5	(	(	PUNCT
cblr-14253	279	6	apr	apr	PROPN
cblr-14253	279	7	.	.	PROPN
cblr-14253	279	8	25	25	NUM
cblr-14253	279	9	,	,	PUNCT
cblr-14253	279	10	2023	2023	NUM
cblr-14253	279	11	)	)	PUNCT
cblr-14253	279	12	,	,	PUNCT
cblr-14253	279	13	https://www.federaltitle.com/when-a-listing-forces-the-contract-to-theirtitle-company/	https://www.federaltitle.com/when-a-listing-forces-the-contract-to-theirtitle-company/	ADP
cblr-14253	279	14	[	[	X
cblr-14253	279	15	https://perma.cc/h2dn-umjw	https://perma.cc/h2dn-umjw	X
cblr-14253	279	16	]	]	X
cblr-14253	279	17	(	(	PUNCT
cblr-14253	279	18	“	"	PUNCT
cblr-14253	279	19	unfortunately	unfortunately	ADV
cblr-14253	279	20	,	,	PUNCT
cblr-14253	279	21	this	this	DET
cblr-14253	279	22	scenario	scenario	NOUN
cblr-14253	279	23	is	be	AUX
cblr-14253	279	24	dominating	dominate	VERB
cblr-14253	279	25	the	the	DET
cblr-14253	279	26	local	local	ADJ
cblr-14253	279	27	market	market	NOUN
cblr-14253	279	28	.	.	PUNCT
cblr-14253	280	1	we	we	PRON
cblr-14253	280	2	get	get	VERB
cblr-14253	280	3	calls	call	NOUN
cblr-14253	280	4	from	from	ADP
cblr-14253	280	5	agents	agent	NOUN
cblr-14253	280	6	daily	daily	ADV
cblr-14253	280	7	complaining	complain	VERB
cblr-14253	280	8	that	that	SCONJ
cblr-14253	280	9	they	they	PRON
cblr-14253	280	10	are	be	AUX
cblr-14253	280	11	being	be	AUX
cblr-14253	280	12	forced	force	VERB
cblr-14253	280	13	into	into	ADP
cblr-14253	280	14	using	use	VERB
cblr-14253	280	15	the	the	DET
cblr-14253	280	16	listing	list	VERB
cblr-14253	280	17	agent	agent	NOUN
cblr-14253	280	18	’s	’s	PART
cblr-14253	280	19	joint	joint	ADJ
cblr-14253	280	20	venture	venture	NOUN
cblr-14253	280	21	title	title	NOUN
cblr-14253	280	22	company	company	NOUN
cblr-14253	280	23	.	.	PUNCT
cblr-14253	280	24	”	"	PUNCT
cblr-14253	280	25	)	)	PUNCT
cblr-14253	280	26	.	.	PUNCT
cblr-14253	281	1	408	408	NUM
cblr-14253	281	2	columbia	columbia	PROPN
cblr-14253	281	3	business	business	NOUN
cblr-14253	281	4	law	law	PROPN
cblr-14253	281	5	review	review	NOUN
cblr-14253	281	6	[	[	X
cblr-14253	281	7	vol	vol	NOUN
cblr-14253	281	8	.	.	PUNCT
cblr-14253	281	9	2025	2025	NUM
cblr-14253	281	10	figure	figure	NOUN
cblr-14253	281	11	1	1	NUM
cblr-14253	281	12	:	:	PUNCT
cblr-14253	281	13	discounted	discount	VERB
cblr-14253	281	14	joint	joint	ADJ
cblr-14253	281	15	venture	venture	NOUN
cblr-14253	281	16	real	real	ADJ
cblr-14253	281	17	estate	estate	NOUN
cblr-14253	281	18	closings	closing	NOUN
cblr-14253	281	19	these	these	DET
cblr-14253	281	20	joint	joint	ADJ
cblr-14253	281	21	ventures	venture	NOUN
cblr-14253	281	22	tend	tend	VERB
cblr-14253	281	23	to	to	PART
cblr-14253	281	24	be	be	AUX
cblr-14253	281	25	severely	severely	ADV
cblr-14253	281	26	undercapitalized	undercapitalized	ADJ
cblr-14253	281	27	relative	relative	ADJ
cblr-14253	281	28	to	to	ADP
cblr-14253	281	29	the	the	DET
cblr-14253	281	30	volume	volume	NOUN
cblr-14253	281	31	of	of	ADP
cblr-14253	281	32	business	business	NOUN
cblr-14253	281	33	flowing	flow	VERB
cblr-14253	281	34	through	through	ADP
cblr-14253	281	35	the	the	DET
cblr-14253	281	36	llc	llc	PROPN
cblr-14253	281	37	.	.	PUNCT
cblr-14253	282	1	real	real	ADJ
cblr-14253	282	2	-	-	PUNCT
cblr-14253	282	3	estate	estate	NOUN
cblr-14253	282	4	agents	agent	NOUN
cblr-14253	282	5	typically	typically	ADV
cblr-14253	282	6	invest	invest	VERB
cblr-14253	282	7	only	only	ADV
cblr-14253	282	8	a	a	DET
cblr-14253	282	9	nominal	nominal	ADJ
cblr-14253	282	10	amount	amount	NOUN
cblr-14253	282	11	up	up	ADV
cblr-14253	282	12	front	front	NOUN
cblr-14253	282	13	in	in	ADP
cblr-14253	282	14	exchange	exchange	NOUN
cblr-14253	282	15	for	for	ADP
cblr-14253	282	16	a	a	DET
cblr-14253	282	17	long	long	ADJ
cblr-14253	282	18	-	-	PUNCT
cblr-14253	282	19	term	term	NOUN
cblr-14253	282	20	flow	flow	NOUN
cblr-14253	282	21	of	of	ADP
cblr-14253	282	22	kickback	kickback	NOUN
cblr-14253	282	23	payments	payment	NOUN
cblr-14253	282	24	in	in	ADP
cblr-14253	282	25	the	the	DET
cblr-14253	282	26	form	form	NOUN
cblr-14253	282	27	of	of	ADP
cblr-14253	282	28	joint	joint	ADJ
cblr-14253	282	29	-	-	PUNCT
cblr-14253	282	30	venture	venture	NOUN
cblr-14253	282	31	profits.53	profits.53	NOUN
cblr-14253	282	32	the	the	DET
cblr-14253	282	33	joint	joint	ADJ
cblr-14253	282	34	venture	venture	NOUN
cblr-14253	282	35	characterized	characterize	VERB
cblr-14253	282	36	in	in	ADP
cblr-14253	282	37	figure	figure	NOUN
cblr-14253	282	38	1	1	NUM
cblr-14253	282	39	is	be	AUX
cblr-14253	282	40	likely	likely	ADJ
cblr-14253	282	41	to	to	PART
cblr-14253	282	42	operate	operate	VERB
cblr-14253	282	43	at	at	ADP
cblr-14253	282	44	a	a	DET
cblr-14253	282	45	profit	profit	NOUN
cblr-14253	282	46	because	because	SCONJ
cblr-14253	282	47	the	the	DET
cblr-14253	282	48	established	establish	VERB
cblr-14253	282	49	title	title	NOUN
cblr-14253	282	50	-	-	PUNCT
cblr-14253	282	51	insurance	insurance	NOUN
cblr-14253	282	52	company	company	NOUN
cblr-14253	282	53	absorbs	absorb	VERB
cblr-14253	282	54	most	most	ADJ
cblr-14253	282	55	of	of	ADP
cblr-14253	282	56	the	the	DET
cblr-14253	282	57	expenses	expense	NOUN
cblr-14253	282	58	of	of	ADP
cblr-14253	282	59	doing	do	VERB
cblr-14253	282	60	business	business	NOUN
cblr-14253	282	61	.	.	PUNCT
cblr-14253	283	1	in	in	ADP
cblr-14253	283	2	economic	economic	ADJ
cblr-14253	283	3	effect	effect	NOUN
cblr-14253	283	4	,	,	PUNCT
cblr-14253	283	5	the	the	DET
cblr-14253	283	6	established	establish	VERB
cblr-14253	283	7	title	title	NOUN
cblr-14253	283	8	company	company	NOUN
cblr-14253	283	9	uses	use	VERB
cblr-14253	283	10	the	the	DET
cblr-14253	283	11	joint	joint	ADJ
cblr-14253	283	12	venture	venture	NOUN
cblr-14253	283	13	to	to	PART
cblr-14253	283	14	mask	mask	VERB
cblr-14253	283	15	referral	referral	ADJ
cblr-14253	283	16	payments	payment	NOUN
cblr-14253	283	17	to	to	ADP
cblr-14253	283	18	the	the	DET
cblr-14253	283	19	real	real	ADJ
cblr-14253	283	20	-	-	PUNCT
cblr-14253	283	21	estate	estate	NOUN
cblr-14253	283	22	agent	agent	NOUN
cblr-14253	283	23	in	in	ADP
cblr-14253	283	24	the	the	DET
cblr-14253	283	25	form	form	NOUN
cblr-14253	283	26	of	of	ADP
cblr-14253	283	27	profits	profit	NOUN
cblr-14253	283	28	from	from	ADP
cblr-14253	283	29	the	the	DET
cblr-14253	283	30	llc	llc	PROPN
cblr-14253	283	31	.	.	PUNCT
cblr-14253	284	1	the	the	DET
cblr-14253	284	2	real	real	ADJ
cblr-14253	284	3	-	-	PUNCT
cblr-14253	284	4	estate	estate	NOUN
cblr-14253	284	5	agent	agent	NOUN
cblr-14253	284	6	has	have	VERB
cblr-14253	284	7	a	a	DET
cblr-14253	284	8	strong	strong	ADJ
cblr-14253	284	9	financial	financial	ADJ
cblr-14253	284	10	incentive	incentive	NOUN
cblr-14253	284	11	to	to	PART
cblr-14253	284	12	refer	refer	VERB
cblr-14253	284	13	closings	closing	NOUN
cblr-14253	284	14	to	to	ADP
cblr-14253	284	15	the	the	DET
cblr-14253	284	16	joint	joint	ADJ
cblr-14253	284	17	venture	venture	NOUN
cblr-14253	284	18	,	,	PUNCT
cblr-14253	284	19	even	even	ADV
cblr-14253	284	20	if	if	SCONJ
cblr-14253	284	21	there	there	PRON
cblr-14253	284	22	are	be	VERB
cblr-14253	284	23	lower	low	ADJ
cblr-14253	284	24	-	-	PUNCT
cblr-14253	284	25	cost	cost	NOUN
cblr-14253	284	26	alternatives	alternative	NOUN
cblr-14253	284	27	available	available	ADJ
cblr-14253	284	28	for	for	ADP
cblr-14253	284	29	their	their	PRON
cblr-14253	284	30	clients	client	NOUN
cblr-14253	284	31	,	,	PUNCT
cblr-14253	284	32	because	because	SCONJ
cblr-14253	284	33	an	an	DET
cblr-14253	284	34	equity	equity	NOUN
cblr-14253	284	35	share	share	NOUN
cblr-14253	284	36	of	of	ADP
cblr-14253	284	37	the	the	DET
cblr-14253	284	38	profits	profit	NOUN
cblr-14253	284	39	derived	derive	VERB
cblr-14253	284	40	from	from	ADP
cblr-14253	284	41	the	the	DET
cblr-14253	284	42	referral	referral	NOUN
cblr-14253	284	43	are	be	AUX
cblr-14253	284	44	eventually	eventually	ADV
cblr-14253	284	45	remitted	remit	VERB
cblr-14253	284	46	back	back	ADV
cblr-14253	284	47	to	to	ADP
cblr-14253	284	48	the	the	DET
cblr-14253	284	49	agent.54	agent.54	PROPN
cblr-14253	284	50	53	53	NUM
cblr-14253	284	51	see	see	VERB
cblr-14253	284	52	,	,	PUNCT
cblr-14253	284	53	e.g.	e.g.	ADV
cblr-14253	284	54	,	,	PUNCT
cblr-14253	284	55	what	what	PRON
cblr-14253	284	56	is	be	AUX
cblr-14253	284	57	a	a	DET
cblr-14253	284	58	title	title	NOUN
cblr-14253	284	59	company	company	NOUN
cblr-14253	284	60	joint	joint	ADJ
cblr-14253	284	61	venture	venture	NOUN
cblr-14253	284	62	?	?	PUNCT
cblr-14253	284	63	,	,	PUNCT
cblr-14253	284	64	closed	close	VERB
cblr-14253	284	65	(	(	PUNCT
cblr-14253	284	66	feb	feb	PROPN
cblr-14253	284	67	.	.	PROPN
cblr-14253	284	68	8	8	NUM
cblr-14253	284	69	,	,	PUNCT
cblr-14253	284	70	2022	2022	NUM
cblr-14253	284	71	)	)	PUNCT
cblr-14253	284	72	,	,	PUNCT
cblr-14253	284	73	https://www.closedtitle.com/post/what-is-a-title-company-jointventure	https://www.closedtitle.com/post/what-is-a-title-company-jointventure	VERB
cblr-14253	284	74	[	[	X
cblr-14253	284	75	https://perma.cc/669s-3lun	https://perma.cc/669s-3lun	X
cblr-14253	284	76	]	]	X
cblr-14253	284	77	(	(	PUNCT
cblr-14253	284	78	“	"	PUNCT
cblr-14253	284	79	for	for	ADP
cblr-14253	284	80	the	the	DET
cblr-14253	284	81	real	real	ADJ
cblr-14253	284	82	estate	estate	NOUN
cblr-14253	284	83	broker	broker	NOUN
cblr-14253	284	84	,	,	PUNCT
cblr-14253	284	85	the	the	DET
cblr-14253	284	86	‘	'	PUNCT
cblr-14253	284	87	goal	goal	NOUN
cblr-14253	284	88	’	'	PUNCT
cblr-14253	284	89	of	of	ADP
cblr-14253	284	90	the	the	DET
cblr-14253	284	91	joint	joint	ADJ
cblr-14253	284	92	venture	venture	NOUN
cblr-14253	284	93	is	be	AUX
cblr-14253	284	94	to	to	PART
cblr-14253	284	95	‘	'	PUNCT
cblr-14253	284	96	realiz[e	realiz[e	NOUN
cblr-14253	284	97	]	]	PUNCT
cblr-14253	284	98	profit	profit	NOUN
cblr-14253	284	99	from	from	ADP
cblr-14253	284	100	their	their	PRON
cblr-14253	284	101	existing	exist	VERB
cblr-14253	284	102	title	title	NOUN
cblr-14253	284	103	referrals	referral	NOUN
cblr-14253	284	104	.	.	PUNCT
cblr-14253	284	105	’	'	PUNCT
cblr-14253	285	1	for	for	ADP
cblr-14253	285	2	high	high	ADJ
cblr-14253	285	3	volume	volume	NOUN
cblr-14253	285	4	real	real	ADJ
cblr-14253	285	5	estate	estate	NOUN
cblr-14253	285	6	professionals	professional	NOUN
cblr-14253	285	7	,	,	PUNCT
cblr-14253	285	8	entering	enter	VERB
cblr-14253	285	9	into	into	ADP
cblr-14253	285	10	a	a	DET
cblr-14253	285	11	title	title	NOUN
cblr-14253	285	12	company	company	NOUN
cblr-14253	285	13	joint	joint	ADJ
cblr-14253	285	14	venture	venture	NOUN
cblr-14253	285	15	can	can	AUX
cblr-14253	285	16	assist	assist	VERB
cblr-14253	285	17	them	they	PRON
cblr-14253	285	18	in	in	ADP
cblr-14253	285	19	realizing	realize	VERB
cblr-14253	285	20	a	a	DET
cblr-14253	285	21	significant	significant	ADJ
cblr-14253	285	22	source	source	NOUN
cblr-14253	285	23	of	of	ADP
cblr-14253	285	24	additional	additional	ADJ
cblr-14253	285	25	revenue	revenue	NOUN
cblr-14253	285	26	.	.	PUNCT
cblr-14253	285	27	”	"	PUNCT
cblr-14253	285	28	)	)	PUNCT
cblr-14253	285	29	.	.	PUNCT
cblr-14253	286	1	54	54	NUM
cblr-14253	286	2	some	some	DET
cblr-14253	286	3	real	real	ADJ
cblr-14253	286	4	-	-	PUNCT
cblr-14253	286	5	estate	estate	NOUN
cblr-14253	286	6	agents	agent	NOUN
cblr-14253	286	7	may	may	AUX
cblr-14253	286	8	further	far	ADV
cblr-14253	286	9	complicate	complicate	VERB
cblr-14253	286	10	the	the	DET
cblr-14253	286	11	paper	paper	NOUN
cblr-14253	286	12	trail	trail	NOUN
cblr-14253	286	13	by	by	ADP
cblr-14253	286	14	creating	create	VERB
cblr-14253	286	15	an	an	DET
cblr-14253	286	16	additional	additional	ADJ
cblr-14253	286	17	limited	limited	ADJ
cblr-14253	286	18	liability	liability	NOUN
cblr-14253	286	19	company	company	NOUN
cblr-14253	286	20	that	that	PRON
cblr-14253	286	21	owns	own	VERB
cblr-14253	286	22	the	the	DET
cblr-14253	286	23	equity	equity	NOUN
cblr-14253	286	24	stake	stake	NOUN
cblr-14253	286	25	in	in	ADP
cblr-14253	286	26	the	the	DET
cblr-14253	286	27	joint	joint	ADJ
cblr-14253	286	28	venture	venture	NOUN
cblr-14253	286	29	.	.	PUNCT
cblr-14253	287	1	but	but	CCONJ
cblr-14253	287	2	this	this	DET
cblr-14253	287	3	one	one	NUM
cblr-14253	287	4	further	further	ADJ
cblr-14253	287	5	step	step	NOUN
cblr-14253	287	6	removed	remove	VERB
cblr-14253	287	7	does	do	AUX
cblr-14253	287	8	not	not	PART
cblr-14253	287	9	blunt	blunt	VERB
cblr-14253	287	10	the	the	DET
cblr-14253	287	11	no	no	NOUN
cblr-14253	287	12	.	.	NOUN
cblr-14253	287	13	1	1	NUM
cblr-14253	287	14	]	]	PUNCT
cblr-14253	287	15	corrupt	corrupt	ADJ
cblr-14253	287	16	joint	joint	ADJ
cblr-14253	287	17	ventures	venture	NOUN
cblr-14253	287	18	409	409	NUM
cblr-14253	287	19	title	title	NOUN
cblr-14253	287	20	companies	company	NOUN
cblr-14253	287	21	are	be	AUX
cblr-14253	287	22	willing	willing	ADJ
cblr-14253	287	23	to	to	PART
cblr-14253	287	24	create	create	VERB
cblr-14253	287	25	joint	joint	ADJ
cblr-14253	287	26	ventures	venture	NOUN
cblr-14253	287	27	,	,	PUNCT
cblr-14253	287	28	not	not	PART
cblr-14253	287	29	because	because	SCONJ
cblr-14253	287	30	they	they	PRON
cblr-14253	287	31	provide	provide	VERB
cblr-14253	287	32	greater	great	ADJ
cblr-14253	287	33	economic	economic	ADJ
cblr-14253	287	34	efficiency	efficiency	NOUN
cblr-14253	287	35	,	,	PUNCT
cblr-14253	287	36	but	but	CCONJ
cblr-14253	287	37	because	because	SCONJ
cblr-14253	287	38	,	,	PUNCT
cblr-14253	287	39	in	in	ADP
cblr-14253	287	40	the	the	DET
cblr-14253	287	41	words	word	NOUN
cblr-14253	287	42	of	of	ADP
cblr-14253	287	43	one	one	NUM
cblr-14253	287	44	title	title	NOUN
cblr-14253	287	45	-	-	PUNCT
cblr-14253	287	46	insurance	insurance	NOUN
cblr-14253	287	47	insider	insider	NOUN
cblr-14253	287	48	,	,	PUNCT
cblr-14253	287	49	the	the	DET
cblr-14253	287	50	real	real	ADJ
cblr-14253	287	51	-	-	PUNCT
cblr-14253	287	52	estate	estate	NOUN
cblr-14253	287	53	agent	agent	NOUN
cblr-14253	287	54	’s	’s	PART
cblr-14253	287	55	profit	profit	NOUN
cblr-14253	287	56	incentive	incentive	NOUN
cblr-14253	287	57	makes	make	VERB
cblr-14253	287	58	this	this	DET
cblr-14253	287	59	structure	structure	NOUN
cblr-14253	287	60	“	"	PUNCT
cblr-14253	287	61	the	the	DET
cblr-14253	287	62	easiest	easy	ADJ
cblr-14253	287	63	path	path	NOUN
cblr-14253	287	64	to	to	ADP
cblr-14253	287	65	business	business	NOUN
cblr-14253	287	66	”	"	PUNCT
cblr-14253	287	67	for	for	ADP
cblr-14253	287	68	title	title	NOUN
cblr-14253	287	69	companies.55	companies.55	NOUN
cblr-14253	287	70	listing	list	VERB
cblr-14253	287	71	agents	agent	NOUN
cblr-14253	287	72	who	who	PRON
cblr-14253	287	73	associate	associate	VERB
cblr-14253	287	74	with	with	ADP
cblr-14253	287	75	a	a	DET
cblr-14253	287	76	title	title	NOUN
cblr-14253	287	77	-	-	PUNCT
cblr-14253	287	78	insurance	insurance	NOUN
cblr-14253	287	79	joint	joint	ADJ
cblr-14253	287	80	venture	venture	NOUN
cblr-14253	287	81	have	have	VERB
cblr-14253	287	82	a	a	DET
cblr-14253	287	83	particularly	particularly	ADV
cblr-14253	287	84	strong	strong	ADJ
cblr-14253	287	85	incentive	incentive	NOUN
cblr-14253	287	86	to	to	PART
cblr-14253	287	87	turn	turn	VERB
cblr-14253	287	88	a	a	DET
cblr-14253	287	89	cold	cold	ADJ
cblr-14253	287	90	shoulder	shoulder	NOUN
cblr-14253	287	91	to	to	PART
cblr-14253	287	92	purchase	purchase	VERB
cblr-14253	287	93	offers	offer	NOUN
cblr-14253	287	94	that	that	PRON
cblr-14253	287	95	do	do	AUX
cblr-14253	287	96	not	not	PART
cblr-14253	287	97	propose	propose	VERB
cblr-14253	287	98	to	to	PART
cblr-14253	287	99	use	use	VERB
cblr-14253	287	100	their	their	PRON
cblr-14253	287	101	joint	joint	ADJ
cblr-14253	287	102	venture	venture	NOUN
cblr-14253	287	103	for	for	ADP
cblr-14253	287	104	title	title	NOUN
cblr-14253	287	105	and	and	CCONJ
cblr-14253	287	106	closing	closing	NOUN
cblr-14253	287	107	services.56	services.56	NOUN
cblr-14253	287	108	in	in	ADP
cblr-14253	287	109	this	this	DET
cblr-14253	287	110	example	example	NOUN
cblr-14253	287	111	,	,	PUNCT
cblr-14253	287	112	the	the	DET
cblr-14253	287	113	seller	seller	NOUN
cblr-14253	287	114	’s	’s	PART
cblr-14253	287	115	listing	list	VERB
cblr-14253	287	116	agent	agent	NOUN
cblr-14253	287	117	does	do	AUX
cblr-14253	287	118	not	not	PART
cblr-14253	287	119	even	even	ADV
cblr-14253	287	120	have	have	VERB
cblr-14253	287	121	to	to	PART
cblr-14253	287	122	self	self	NOUN
cblr-14253	287	123	-	-	PUNCT
cblr-14253	287	124	deal	deal	NOUN
cblr-14253	287	125	against	against	ADP
cblr-14253	287	126	their	their	PRON
cblr-14253	287	127	own	own	ADJ
cblr-14253	287	128	client	client	NOUN
cblr-14253	287	129	,	,	PUNCT
cblr-14253	287	130	because	because	SCONJ
cblr-14253	287	131	most	most	ADJ
cblr-14253	287	132	of	of	ADP
cblr-14253	287	133	the	the	DET
cblr-14253	287	134	closing	closing	NOUN
cblr-14253	287	135	costs	cost	NOUN
cblr-14253	287	136	are	be	AUX
cblr-14253	287	137	paid	pay	VERB
cblr-14253	287	138	by	by	ADP
cblr-14253	287	139	the	the	DET
cblr-14253	287	140	buyer	buyer	NOUN
cblr-14253	287	141	,	,	PUNCT
cblr-14253	287	142	either	either	CCONJ
cblr-14253	287	143	in	in	ADP
cblr-14253	287	144	cash	cash	NOUN
cblr-14253	287	145	at	at	ADP
cblr-14253	287	146	closing	closing	NOUN
cblr-14253	287	147	or	or	CCONJ
cblr-14253	287	148	capitalized	capitalize	VERB
cblr-14253	287	149	into	into	ADP
cblr-14253	287	150	a	a	DET
cblr-14253	287	151	mortgage	mortgage	NOUN
cblr-14253	287	152	loan	loan	NOUN
cblr-14253	287	153	’s	’s	PART
cblr-14253	287	154	principal	principal	NOUN
cblr-14253	287	155	.	.	PUNCT
cblr-14253	288	1	the	the	DET
cblr-14253	288	2	seller	seller	NOUN
cblr-14253	288	3	’s	’s	PART
cblr-14253	288	4	listing	list	VERB
cblr-14253	288	5	agent	agent	NOUN
cblr-14253	288	6	can	can	AUX
cblr-14253	288	7	simply	simply	ADV
cblr-14253	288	8	force	force	VERB
cblr-14253	288	9	the	the	DET
cblr-14253	288	10	buyer	buyer	NOUN
cblr-14253	288	11	’s	’s	PART
cblr-14253	288	12	agent	agent	NOUN
cblr-14253	288	13	to	to	PART
cblr-14253	288	14	pass	pass	VERB
cblr-14253	288	15	on	on	ADP
cblr-14253	288	16	higher	high	ADJ
cblr-14253	288	17	closing	closing	NOUN
cblr-14253	288	18	costs	cost	NOUN
cblr-14253	288	19	or	or	CCONJ
cblr-14253	288	20	risk	risk	NOUN
cblr-14253	288	21	blowing	blow	VERB
cblr-14253	288	22	up	up	ADP
cblr-14253	288	23	the	the	DET
cblr-14253	288	24	deal	deal	NOUN
cblr-14253	288	25	.	.	PUNCT
cblr-14253	289	1	while	while	SCONJ
cblr-14253	289	2	figure	figure	NOUN
cblr-14253	289	3	1	1	NUM
cblr-14253	289	4	presupposes	presuppose	VERB
cblr-14253	289	5	a	a	DET
cblr-14253	289	6	joint	joint	ADJ
cblr-14253	289	7	venture	venture	NOUN
cblr-14253	289	8	between	between	ADP
cblr-14253	289	9	a	a	DET
cblr-14253	289	10	listing	list	VERB
cblr-14253	289	11	agent	agent	NOUN
cblr-14253	289	12	and	and	CCONJ
cblr-14253	289	13	a	a	DET
cblr-14253	289	14	title	title	NOUN
cblr-14253	289	15	company	company	NOUN
cblr-14253	289	16	,	,	PUNCT
cblr-14253	289	17	buyers	buyer	NOUN
cblr-14253	289	18	’	'	PUNCT
cblr-14253	289	19	agents	agent	NOUN
cblr-14253	289	20	(	(	PUNCT
cblr-14253	289	21	who	who	PRON
cblr-14253	289	22	in	in	ADP
cblr-14253	289	23	many	many	ADJ
cblr-14253	289	24	states	state	NOUN
cblr-14253	289	25	are	be	AUX
cblr-14253	289	26	called	call	VERB
cblr-14253	289	27	“	"	PUNCT
cblr-14253	289	28	selling	sell	VERB
cblr-14253	289	29	agents	agent	NOUN
cblr-14253	289	30	”	"	PUNCT
cblr-14253	289	31	)	)	PUNCT
cblr-14253	289	32	also	also	ADV
cblr-14253	289	33	have	have	VERB
cblr-14253	289	34	a	a	DET
cblr-14253	289	35	strong	strong	ADJ
cblr-14253	289	36	incentive	incentive	NOUN
cblr-14253	289	37	to	to	PART
cblr-14253	289	38	submit	submit	VERB
cblr-14253	289	39	purchase	purchase	NOUN
cblr-14253	289	40	offers	offer	NOUN
cblr-14253	289	41	with	with	ADP
cblr-14253	289	42	their	their	PRON
cblr-14253	289	43	own	own	ADJ
cblr-14253	289	44	joint	joint	ADJ
cblr-14253	289	45	ventures	venture	NOUN
cblr-14253	289	46	as	as	ADP
cblr-14253	289	47	the	the	DET
cblr-14253	289	48	proposed	propose	VERB
cblr-14253	289	49	title	title	NOUN
cblr-14253	289	50	-	-	PUNCT
cblr-14253	289	51	insurance	insurance	NOUN
cblr-14253	289	52	provider	provider	NOUN
cblr-14253	289	53	.	.	PUNCT
cblr-14253	290	1	because	because	SCONJ
cblr-14253	290	2	most	most	ADJ
cblr-14253	290	3	real	real	ADJ
cblr-14253	290	4	-	-	PUNCT
cblr-14253	290	5	estate	estate	NOUN
cblr-14253	290	6	purchasers	purchaser	NOUN
cblr-14253	290	7	are	be	AUX
cblr-14253	290	8	not	not	PART
cblr-14253	290	9	able	able	ADJ
cblr-14253	290	10	to	to	PART
cblr-14253	290	11	efficiently	efficiently	ADV
cblr-14253	290	12	shop	shop	VERB
cblr-14253	290	13	for	for	ADP
cblr-14253	290	14	title	title	NOUN
cblr-14253	290	15	insurance,57	insurance,57	VERB
cblr-14253	290	16	the	the	DET
cblr-14253	290	17	joint	joint	ADJ
cblr-14253	290	18	venture	venture	NOUN
cblr-14253	290	19	can	can	AUX
cblr-14253	290	20	raise	raise	VERB
cblr-14253	290	21	closing	closing	NOUN
cblr-14253	290	22	costs	cost	NOUN
cblr-14253	290	23	in	in	ADP
cblr-14253	290	24	the	the	DET
cblr-14253	290	25	form	form	NOUN
cblr-14253	290	26	of	of	ADP
cblr-14253	290	27	higher	high	ADJ
cblr-14253	290	28	settlement	settlement	NOUN
cblr-14253	290	29	fees	fee	NOUN
cblr-14253	290	30	,	,	PUNCT
cblr-14253	290	31	upsell	upsell	PROPN
cblr-14253	290	32	homebuyers	homebuyer	NOUN
cblr-14253	290	33	with	with	ADP
cblr-14253	290	34	added	add	VERB
cblr-14253	290	35	“	"	PUNCT
cblr-14253	290	36	cadillac	cadillac	PROPN
cblr-14253	290	37	”	"	PUNCT
cblr-14253	290	38	title	title	NOUN
cblr-14253	290	39	-	-	PUNCT
cblr-14253	290	40	insurance	insurance	NOUN
cblr-14253	290	41	coverage	coverage	NOUN
cblr-14253	290	42	at	at	ADP
cblr-14253	290	43	a	a	DET
cblr-14253	290	44	higher	high	ADJ
cblr-14253	290	45	-	-	PUNCT
cblr-14253	290	46	cost	cost	NOUN
cblr-14253	290	47	premium	premium	NOUN
cblr-14253	290	48	,	,	PUNCT
cblr-14253	290	49	neglect	neglect	NOUN
cblr-14253	290	50	to	to	PART
cblr-14253	290	51	offer	offer	VERB
cblr-14253	290	52	less	less	ADV
cblr-14253	290	53	expensive	expensive	ADJ
cblr-14253	290	54	reissue	reissue	NOUN
cblr-14253	290	55	policies	policy	NOUN
cblr-14253	290	56	,	,	PUNCT
cblr-14253	290	57	and	and	CCONJ
cblr-14253	290	58	impose	impose	VERB
cblr-14253	290	59	other	other	ADJ
cblr-14253	290	60	ancillary	ancillary	ADJ
cblr-14253	290	61	junk	junk	NOUN
cblr-14253	290	62	fees	fee	NOUN
cblr-14253	290	63	.	.	PUNCT
cblr-14253	291	1	these	these	DET
cblr-14253	291	2	enhanced	enhance	VERB
cblr-14253	291	3	closing	closing	NOUN
cblr-14253	291	4	costs	cost	NOUN
cblr-14253	291	5	,	,	PUNCT
cblr-14253	291	6	in	in	ADP
cblr-14253	291	7	turn	turn	NOUN
cblr-14253	291	8	,	,	PUNCT
cblr-14253	291	9	agent	agent	NOUN
cblr-14253	291	10	’s	’s	PART
cblr-14253	291	11	incentive	incentive	NOUN
cblr-14253	291	12	to	to	ADP
cblr-14253	291	13	self	self	NOUN
cblr-14253	291	14	-	-	PUNCT
cblr-14253	291	15	deal	deal	NOUN
cblr-14253	291	16	against	against	ADP
cblr-14253	291	17	the	the	DET
cblr-14253	291	18	consumer	consumer	NOUN
cblr-14253	291	19	’s	’s	PART
cblr-14253	291	20	interest	interest	NOUN
cblr-14253	291	21	in	in	ADP
cblr-14253	291	22	attempting	attempt	VERB
cblr-14253	291	23	to	to	PART
cblr-14253	291	24	sell	sell	VERB
cblr-14253	291	25	or	or	CCONJ
cblr-14253	291	26	purchase	purchase	VERB
cblr-14253	291	27	the	the	DET
cblr-14253	291	28	real	real	ADJ
cblr-14253	291	29	estate	estate	NOUN
cblr-14253	291	30	.	.	PUNCT
cblr-14253	292	1	55	55	NUM
cblr-14253	292	2	wade	wade	PROPN
cblr-14253	292	3	vander	vander	PROPN
cblr-14253	292	4	molen	molen	PROPN
cblr-14253	292	5	,	,	PUNCT
cblr-14253	292	6	should	should	AUX
cblr-14253	292	7	my	my	PRON
cblr-14253	292	8	real	real	ADJ
cblr-14253	292	9	estate	estate	NOUN
cblr-14253	292	10	team	team	NOUN
cblr-14253	292	11	sign	sign	VERB
cblr-14253	292	12	a	a	DET
cblr-14253	292	13	title	title	NOUN
cblr-14253	292	14	company	company	NOUN
cblr-14253	292	15	joint	joint	ADJ
cblr-14253	292	16	venture	venture	NOUN
cblr-14253	292	17	?	?	PUNCT
cblr-14253	292	18	,	,	PUNCT
cblr-14253	292	19	youtube	youtube	NOUN
cblr-14253	292	20	(	(	PUNCT
cblr-14253	292	21	june	june	PROPN
cblr-14253	292	22	2	2	NUM
cblr-14253	292	23	,	,	PUNCT
cblr-14253	292	24	2022	2022	NUM
cblr-14253	292	25	)	)	PUNCT
cblr-14253	292	26	,	,	PUNCT
cblr-14253	292	27	https://youtu.be/6shecsq1qme	https://youtu.be/6shecsq1qme	NOUN
cblr-14253	292	28	[	[	X
cblr-14253	292	29	https://perma.cc/725v-5d8v	https://perma.cc/725v-5d8v	X
cblr-14253	292	30	]	]	X
cblr-14253	292	31	(	(	PUNCT
cblr-14253	292	32	“	"	PUNCT
cblr-14253	292	33	that	that	PRON
cblr-14253	292	34	’s	’	VERB
cblr-14253	292	35	why	why	SCONJ
cblr-14253	292	36	this	this	PRON
cblr-14253	292	37	is	be	AUX
cblr-14253	292	38	happening	happen	VERB
cblr-14253	292	39	.	.	PUNCT
cblr-14253	292	40	.	.	PUNCT
cblr-14253	292	41	.	.	PUNCT
cblr-14253	293	1	.	.	PUNCT
cblr-14253	294	1	it	it	PRON
cblr-14253	294	2	’s	’	VERB
cblr-14253	294	3	the	the	DET
cblr-14253	294	4	easiest	easy	ADJ
cblr-14253	294	5	path	path	NOUN
cblr-14253	294	6	to	to	ADP
cblr-14253	294	7	business	business	NOUN
cblr-14253	294	8	.	.	PUNCT
cblr-14253	294	9	”	"	PUNCT
cblr-14253	294	10	)	)	PUNCT
cblr-14253	294	11	.	.	PUNCT
cblr-14253	295	1	56	56	NUM
cblr-14253	295	2	joe	joe	PROPN
cblr-14253	295	3	gentile	gentile	NOUN
cblr-14253	295	4	,	,	PUNCT
cblr-14253	295	5	when	when	SCONJ
cblr-14253	295	6	a	a	DET
cblr-14253	295	7	listing	listing	NOUN
cblr-14253	295	8	forces	force	NOUN
cblr-14253	295	9	the	the	DET
cblr-14253	295	10	contract	contract	NOUN
cblr-14253	295	11	to	to	ADP
cblr-14253	295	12	their	their	PRON
cblr-14253	295	13	title	title	NOUN
cblr-14253	295	14	company	company	NOUN
cblr-14253	295	15	,	,	PUNCT
cblr-14253	295	16	fed	fed	PROPN
cblr-14253	295	17	.	.	PUNCT
cblr-14253	296	1	title	title	PROPN
cblr-14253	296	2	&	&	CCONJ
cblr-14253	296	3	escrow	escrow	PROPN
cblr-14253	296	4	co.	co.	PROPN
cblr-14253	296	5	(	(	PUNCT
cblr-14253	296	6	apr	apr	PROPN
cblr-14253	296	7	.	.	PROPN
cblr-14253	296	8	25	25	NUM
cblr-14253	296	9	,	,	PUNCT
cblr-14253	296	10	2023	2023	NUM
cblr-14253	296	11	)	)	PUNCT
cblr-14253	296	12	,	,	PUNCT
cblr-14253	296	13	https://www.federaltitle.com/when-a-listing-forces-the-contract-to-theirtitle-company/	https://www.federaltitle.com/when-a-listing-forces-the-contract-to-theirtitle-company/	ADP
cblr-14253	296	14	[	[	X
cblr-14253	296	15	https://perma.cc/h2dn-umjw	https://perma.cc/h2dn-umjw	X
cblr-14253	296	16	]	]	NOUN
cblr-14253	296	17	.	.	PUNCT
cblr-14253	297	1	57	57	NUM
cblr-14253	297	2	see	see	NOUN
cblr-14253	297	3	sterk	sterk	NOUN
cblr-14253	297	4	,	,	PUNCT
cblr-14253	297	5	supra	supra	PROPN
cblr-14253	297	6	note	note	PROPN
cblr-14253	297	7	42	42	NUM
cblr-14253	297	8	,	,	PUNCT
cblr-14253	297	9	at	at	ADP
cblr-14253	297	10	533–34	533–34	NUM
cblr-14253	297	11	,	,	PUNCT
cblr-14253	297	12	549	549	NUM
cblr-14253	297	13	;	;	PUNCT
cblr-14253	297	14	joseph	joseph	PROPN
cblr-14253	297	15	w.	w.	PROPN
cblr-14253	297	16	eaton	eaton	PROPN
cblr-14253	297	17	&	&	CCONJ
cblr-14253	297	18	david	david	PROPN
cblr-14253	297	19	j.	j.	PROPN
cblr-14253	297	20	eaton	eaton	PROPN
cblr-14253	297	21	,	,	PUNCT
cblr-14253	297	22	the	the	DET
cblr-14253	297	23	american	american	ADJ
cblr-14253	297	24	title	title	PROPN
cblr-14253	297	25	insurance	insurance	NOUN
cblr-14253	297	26	industry	industry	NOUN
cblr-14253	297	27	6–7	6–7	NUM
cblr-14253	297	28	(	(	PUNCT
cblr-14253	297	29	2007	2007	NUM
cblr-14253	297	30	)	)	PUNCT
cblr-14253	297	31	.	.	PUNCT
cblr-14253	298	1	410	410	NUM
cblr-14253	298	2	columbia	columbia	PROPN
cblr-14253	298	3	business	business	NOUN
cblr-14253	298	4	law	law	PROPN
cblr-14253	298	5	review	review	NOUN
cblr-14253	298	6	[	[	X
cblr-14253	298	7	vol	vol	NOUN
cblr-14253	298	8	.	.	PUNCT
cblr-14253	298	9	2025	2025	NUM
cblr-14253	298	10	fund	fund	VERB
cblr-14253	298	11	the	the	DET
cblr-14253	298	12	profits	profit	NOUN
cblr-14253	298	13	remitted	remit	VERB
cblr-14253	298	14	to	to	ADP
cblr-14253	298	15	the	the	DET
cblr-14253	298	16	real	real	ADJ
cblr-14253	298	17	-	-	PUNCT
cblr-14253	298	18	estate	estate	NOUN
cblr-14253	298	19	agent	agent	NOUN
cblr-14253	298	20	through	through	ADP
cblr-14253	298	21	the	the	DET
cblr-14253	298	22	joint	joint	ADJ
cblr-14253	298	23	venture	venture	NOUN
cblr-14253	298	24	’s	’s	PART
cblr-14253	298	25	profit	profit	NOUN
cblr-14253	298	26	distributions.58	distributions.58	NOUN
cblr-14253	298	27	the	the	DET
cblr-14253	298	28	critical	critical	ADJ
cblr-14253	298	29	,	,	PUNCT
cblr-14253	298	30	innovative	innovative	ADJ
cblr-14253	298	31	feature	feature	NOUN
cblr-14253	298	32	of	of	ADP
cblr-14253	298	33	this	this	DET
cblr-14253	298	34	and	and	CCONJ
cblr-14253	298	35	similar	similar	ADJ
cblr-14253	298	36	jointventure	jointventure	NOUN
cblr-14253	298	37	structures	structure	NOUN
cblr-14253	298	38	is	be	AUX
cblr-14253	298	39	the	the	DET
cblr-14253	298	40	established	establish	VERB
cblr-14253	298	41	settlement	settlement	NOUN
cblr-14253	298	42	-	-	PUNCT
cblr-14253	298	43	services	service	NOUN
cblr-14253	298	44	provider	provider	NOUN
cblr-14253	298	45	’s	’s	PART
cblr-14253	298	46	offer	offer	NOUN
cblr-14253	298	47	to	to	PART
cblr-14253	298	48	sell	sell	VERB
cblr-14253	298	49	an	an	DET
cblr-14253	298	50	equity	equity	NOUN
cblr-14253	298	51	stake	stake	NOUN
cblr-14253	298	52	in	in	ADP
cblr-14253	298	53	the	the	DET
cblr-14253	298	54	new	new	ADJ
cblr-14253	298	55	business	business	NOUN
cblr-14253	298	56	at	at	ADP
cblr-14253	298	57	a	a	DET
cblr-14253	298	58	steep	steep	ADJ
cblr-14253	298	59	discount	discount	NOUN
cblr-14253	298	60	.	.	PUNCT
cblr-14253	299	1	on	on	ADP
cblr-14253	299	2	the	the	DET
cblr-14253	299	3	one	one	NUM
cblr-14253	299	4	hand	hand	NOUN
cblr-14253	299	5	,	,	PUNCT
cblr-14253	299	6	if	if	SCONJ
cblr-14253	299	7	the	the	DET
cblr-14253	299	8	joint	joint	ADJ
cblr-14253	299	9	venture	venture	NOUN
cblr-14253	299	10	is	be	AUX
cblr-14253	299	11	merely	merely	ADV
cblr-14253	299	12	a	a	DET
cblr-14253	299	13	shell	shell	ADJ
cblr-14253	299	14	company	company	NOUN
cblr-14253	299	15	with	with	ADP
cblr-14253	299	16	no	no	DET
cblr-14253	299	17	employees	employee	NOUN
cblr-14253	299	18	or	or	CCONJ
cblr-14253	299	19	assets	asset	NOUN
cblr-14253	299	20	,	,	PUNCT
cblr-14253	299	21	realestate	realestate	NOUN
cblr-14253	299	22	agents	agent	NOUN
cblr-14253	299	23	could	could	AUX
cblr-14253	299	24	not	not	PART
cblr-14253	299	25	be	be	AUX
cblr-14253	299	26	expected	expect	VERB
cblr-14253	299	27	to	to	PART
cblr-14253	299	28	pay	pay	VERB
cblr-14253	299	29	substantial	substantial	ADJ
cblr-14253	299	30	sums	sum	NOUN
cblr-14253	299	31	for	for	ADP
cblr-14253	299	32	an	an	DET
cblr-14253	299	33	equity	equity	NOUN
cblr-14253	299	34	stake	stake	NOUN
cblr-14253	299	35	in	in	ADP
cblr-14253	299	36	what	what	PRON
cblr-14253	299	37	is	be	AUX
cblr-14253	299	38	essentially	essentially	ADV
cblr-14253	299	39	an	an	DET
cblr-14253	299	40	illusory	illusory	ADJ
cblr-14253	299	41	business	business	NOUN
cblr-14253	299	42	.	.	PUNCT
cblr-14253	300	1	as	as	SCONJ
cblr-14253	300	2	discussed	discuss	VERB
cblr-14253	300	3	in	in	ADP
cblr-14253	300	4	more	more	ADJ
cblr-14253	300	5	detail	detail	NOUN
cblr-14253	300	6	in	in	ADP
cblr-14253	300	7	part	part	PROPN
cblr-14253	300	8	iii	iii	NOUN
cblr-14253	300	9	,	,	PUNCT
cblr-14253	300	10	courts	court	NOUN
cblr-14253	300	11	have	have	AUX
cblr-14253	300	12	largely	largely	ADV
cblr-14253	300	13	struck	strike	VERB
cblr-14253	300	14	down	down	ADP
cblr-14253	300	15	“	"	PUNCT
cblr-14253	300	16	sham	sham	PROPN
cblr-14253	300	17	”	"	PUNCT
cblr-14253	300	18	joint	joint	ADJ
cblr-14253	300	19	ventures	venture	NOUN
cblr-14253	300	20	as	as	ADP
cblr-14253	300	21	concealed	conceal	VERB
cblr-14253	300	22	kickback	kickback	NOUN
cblr-14253	300	23	mechanisms	mechanism	NOUN
cblr-14253	300	24	that	that	PRON
cblr-14253	300	25	violate	violate	VERB
cblr-14253	300	26	repsa.59	repsa.59	NOUN
cblr-14253	300	27	on	on	ADP
cblr-14253	300	28	the	the	DET
cblr-14253	300	29	other	other	ADJ
cblr-14253	300	30	hand	hand	NOUN
cblr-14253	300	31	,	,	PUNCT
cblr-14253	300	32	if	if	SCONJ
cblr-14253	300	33	the	the	DET
cblr-14253	300	34	joint	joint	ADJ
cblr-14253	300	35	venture	venture	NOUN
cblr-14253	300	36	is	be	AUX
cblr-14253	300	37	a	a	DET
cblr-14253	300	38	real	real	ADJ
cblr-14253	300	39	business	business	NOUN
cblr-14253	300	40	with	with	ADP
cblr-14253	300	41	meaningful	meaningful	ADJ
cblr-14253	300	42	assets	asset	NOUN
cblr-14253	300	43	and	and	CCONJ
cblr-14253	300	44	capital	capital	NOUN
cblr-14253	300	45	requirements	requirement	NOUN
cblr-14253	300	46	—	—	PUNCT
cblr-14253	300	47	meaning	mean	VERB
cblr-14253	300	48	one	one	NUM
cblr-14253	300	49	with	with	ADP
cblr-14253	300	50	employees	employee	NOUN
cblr-14253	300	51	,	,	PUNCT
cblr-14253	300	52	software	software	NOUN
cblr-14253	300	53	licenses	license	NOUN
cblr-14253	300	54	,	,	PUNCT
cblr-14253	300	55	office	office	NOUN
cblr-14253	300	56	space	space	NOUN
cblr-14253	300	57	,	,	PUNCT
cblr-14253	300	58	workers	worker	NOUN
cblr-14253	300	59	-	-	PUNCT
cblr-14253	300	60	compensation	compensation	NOUN
cblr-14253	300	61	coverage	coverage	NOUN
cblr-14253	300	62	,	,	PUNCT
cblr-14253	300	63	marketing	marketing	NOUN
cblr-14253	300	64	plans	plan	NOUN
cblr-14253	300	65	,	,	PUNCT
cblr-14253	300	66	a	a	DET
cblr-14253	300	67	website	website	NOUN
cblr-14253	300	68	,	,	PUNCT
cblr-14253	300	69	policies	policy	NOUN
cblr-14253	300	70	and	and	CCONJ
cblr-14253	300	71	procedures	procedure	NOUN
cblr-14253	300	72	,	,	PUNCT
cblr-14253	300	73	and	and	CCONJ
cblr-14253	300	74	independent	independent	ADJ
cblr-14253	300	75	management	management	NOUN
cblr-14253	300	76	—	—	PUNCT
cblr-14253	300	77	then	then	ADV
cblr-14253	300	78	one	one	PRON
cblr-14253	300	79	would	would	AUX
cblr-14253	300	80	expect	expect	VERB
cblr-14253	300	81	every	every	DET
cblr-14253	300	82	investor	investor	NOUN
cblr-14253	300	83	to	to	PART
cblr-14253	300	84	pay	pay	VERB
cblr-14253	300	85	a	a	DET
cblr-14253	300	86	meaningful	meaningful	ADJ
cblr-14253	300	87	price	price	NOUN
cblr-14253	300	88	for	for	ADP
cblr-14253	300	89	an	an	DET
cblr-14253	300	90	equity	equity	NOUN
cblr-14253	300	91	share	share	NOUN
cblr-14253	300	92	of	of	ADP
cblr-14253	300	93	the	the	DET
cblr-14253	300	94	joint	joint	ADJ
cblr-14253	300	95	venture	venture	NOUN
cblr-14253	300	96	.	.	PUNCT
cblr-14253	301	1	what	what	PRON
cblr-14253	301	2	if	if	SCONJ
cblr-14253	301	3	the	the	DET
cblr-14253	301	4	joint	joint	ADJ
cblr-14253	301	5	venture	venture	NOUN
cblr-14253	301	6	is	be	AUX
cblr-14253	301	7	an	an	DET
cblr-14253	301	8	authentic	authentic	ADJ
cblr-14253	301	9	,	,	PUNCT
cblr-14253	301	10	sufficiently	sufficiently	ADV
cblr-14253	301	11	capitalized	capitalize	VERB
cblr-14253	301	12	,	,	PUNCT
cblr-14253	301	13	and	and	CCONJ
cblr-14253	301	14	valuable	valuable	ADJ
cblr-14253	301	15	settlement	settlement	NOUN
cblr-14253	301	16	-	-	PUNCT
cblr-14253	301	17	services	service	NOUN
cblr-14253	301	18	business	business	NOUN
cblr-14253	301	19	,	,	PUNCT
cblr-14253	301	20	but	but	CCONJ
cblr-14253	301	21	the	the	DET
cblr-14253	301	22	price	price	NOUN
cblr-14253	301	23	that	that	PRON
cblr-14253	301	24	real	real	ADJ
cblr-14253	301	25	-	-	PUNCT
cblr-14253	301	26	estate	estate	NOUN
cblr-14253	301	27	agents	agent	NOUN
cblr-14253	301	28	pay	pay	VERB
cblr-14253	301	29	to	to	PART
cblr-14253	301	30	own	own	VERB
cblr-14253	301	31	it	it	PRON
cblr-14253	301	32	is	be	AUX
cblr-14253	301	33	not	not	PART
cblr-14253	301	34	reflective	reflective	ADJ
cblr-14253	301	35	of	of	ADP
cblr-14253	301	36	that	that	PRON
cblr-14253	301	37	?	?	PUNCT
cblr-14253	302	1	in	in	ADP
cblr-14253	302	2	modern	modern	ADJ
cblr-14253	302	3	real	real	ADJ
cblr-14253	302	4	-	-	PUNCT
cblr-14253	302	5	estate	estate	NOUN
cblr-14253	302	6	transactions	transaction	NOUN
cblr-14253	302	7	,	,	PUNCT
cblr-14253	302	8	this	this	DET
cblr-14253	302	9	seemingly	seemingly	ADV
cblr-14253	302	10	esoteric	esoteric	ADJ
cblr-14253	302	11	development	development	NOUN
cblr-14253	302	12	has	have	VERB
cblr-14253	302	13	profound	profound	ADJ
cblr-14253	302	14	consequences	consequence	NOUN
cblr-14253	302	15	for	for	ADP
cblr-14253	302	16	millions	million	NOUN
cblr-14253	302	17	of	of	ADP
cblr-14253	302	18	americans	americans	PROPN
cblr-14253	302	19	.	.	PUNCT
cblr-14253	303	1	real	real	ADJ
cblr-14253	303	2	-	-	PUNCT
cblr-14253	303	3	estate	estate	NOUN
cblr-14253	303	4	professionals	professional	NOUN
cblr-14253	303	5	report	report	VERB
cblr-14253	303	6	that	that	SCONJ
cblr-14253	303	7	this	this	DET
cblr-14253	303	8	type	type	NOUN
cblr-14253	303	9	of	of	ADP
cblr-14253	303	10	closing	closing	NOUN
cblr-14253	303	11	structure	structure	NOUN
cblr-14253	303	12	,	,	PUNCT
cblr-14253	303	13	which	which	PRON
cblr-14253	303	14	we	we	PRON
cblr-14253	303	15	will	will	AUX
cblr-14253	303	16	call	call	VERB
cblr-14253	303	17	a	a	DET
cblr-14253	303	18	discounted	discount	VERB
cblr-14253	303	19	joint	joint	ADJ
cblr-14253	303	20	venture	venture	NOUN
cblr-14253	303	21	,	,	PUNCT
cblr-14253	303	22	58	58	NUM
cblr-14253	303	23	see	see	NOUN
cblr-14253	303	24	,	,	PUNCT
cblr-14253	303	25	e.g.	e.g.	ADV
cblr-14253	303	26	,	,	PUNCT
cblr-14253	303	27	wade	wade	PROPN
cblr-14253	303	28	vander	vander	PROPN
cblr-14253	303	29	molen	molen	PROPN
cblr-14253	303	30	,	,	PUNCT
cblr-14253	303	31	should	should	AUX
cblr-14253	303	32	my	my	PRON
cblr-14253	303	33	real	real	ADJ
cblr-14253	303	34	estate	estate	NOUN
cblr-14253	303	35	team	team	NOUN
cblr-14253	303	36	sign	sign	VERB
cblr-14253	303	37	a	a	DET
cblr-14253	303	38	title	title	NOUN
cblr-14253	303	39	company	company	NOUN
cblr-14253	303	40	joint	joint	ADJ
cblr-14253	303	41	venture	venture	NOUN
cblr-14253	303	42	?	?	PUNCT
cblr-14253	303	43	,	,	PUNCT
cblr-14253	303	44	youtube	youtube	NOUN
cblr-14253	303	45	(	(	PUNCT
cblr-14253	303	46	june	june	PROPN
cblr-14253	303	47	2	2	NUM
cblr-14253	303	48	,	,	PUNCT
cblr-14253	303	49	2022	2022	NUM
cblr-14253	303	50	)	)	PUNCT
cblr-14253	303	51	,	,	PUNCT
cblr-14253	303	52	https://youtu.be/6shecsq1qme	https://youtu.be/6shecsq1qme	NOUN
cblr-14253	303	53	[	[	X
cblr-14253	303	54	https://perma.cc/725v-5d8v	https://perma.cc/725v-5d8v	X
cblr-14253	303	55	]	]	X
cblr-14253	303	56	(	(	PUNCT
cblr-14253	303	57	“	"	PUNCT
cblr-14253	303	58	is	be	AUX
cblr-14253	303	59	it	it	PRON
cblr-14253	303	60	a	a	DET
cblr-14253	303	61	profitable	profitable	ADJ
cblr-14253	303	62	business	business	NOUN
cblr-14253	303	63	model	model	NOUN
cblr-14253	303	64	?	?	PUNCT
cblr-14253	304	1	for	for	ADP
cblr-14253	304	2	some	some	DET
cblr-14253	304	3	title	title	NOUN
cblr-14253	304	4	companies	company	NOUN
cblr-14253	304	5	it	it	PRON
cblr-14253	304	6	probably	probably	ADV
cblr-14253	304	7	is	be	AUX
cblr-14253	304	8	based	base	VERB
cblr-14253	304	9	on	on	ADP
cblr-14253	304	10	if	if	SCONJ
cblr-14253	304	11	they	they	PRON
cblr-14253	304	12	have	have	AUX
cblr-14253	304	13	low	low	ADJ
cblr-14253	304	14	overhead	overhead	NOUN
cblr-14253	304	15	or	or	CCONJ
cblr-14253	304	16	whatever	whatever	PRON
cblr-14253	304	17	else	else	ADV
cblr-14253	304	18	they	they	PRON
cblr-14253	304	19	have	have	AUX
cblr-14253	304	20	going	go	VERB
cblr-14253	304	21	on	on	ADP
cblr-14253	304	22	or	or	CCONJ
cblr-14253	304	23	who	who	PRON
cblr-14253	304	24	they	they	PRON
cblr-14253	304	25	assign	assign	VERB
cblr-14253	304	26	to	to	ADP
cblr-14253	304	27	the	the	DET
cblr-14253	304	28	jv	jv	NOUN
cblr-14253	304	29	.	.	PUNCT
cblr-14253	305	1	but	but	CCONJ
cblr-14253	305	2	in	in	ADP
cblr-14253	305	3	many	many	ADJ
cblr-14253	305	4	instances	instance	NOUN
cblr-14253	305	5	,	,	PUNCT
cblr-14253	305	6	it	it	PRON
cblr-14253	305	7	is	be	AUX
cblr-14253	305	8	marginally	marginally	ADV
cblr-14253	305	9	profitable	profitable	ADJ
cblr-14253	305	10	for	for	ADP
cblr-14253	305	11	the	the	DET
cblr-14253	305	12	title	title	NOUN
cblr-14253	305	13	company	company	NOUN
cblr-14253	305	14	,	,	PUNCT
cblr-14253	305	15	and	and	CCONJ
cblr-14253	305	16	it	it	PRON
cblr-14253	305	17	is	be	AUX
cblr-14253	305	18	profitable	profitable	ADJ
cblr-14253	305	19	for	for	ADP
cblr-14253	305	20	the	the	DET
cblr-14253	305	21	real	real	ADJ
cblr-14253	305	22	estate	estate	NOUN
cblr-14253	305	23	team	team	NOUN
cblr-14253	305	24	.	.	PUNCT
cblr-14253	306	1	ok	ok	INTJ
cblr-14253	306	2	.	.	PROPN
cblr-14253	307	1	and	and	CCONJ
cblr-14253	307	2	the	the	DET
cblr-14253	307	3	real	real	ADJ
cblr-14253	307	4	estate	estate	NOUN
cblr-14253	307	5	teams	team	NOUN
cblr-14253	307	6	that	that	PRON
cblr-14253	307	7	i	i	PRON
cblr-14253	307	8	’ve	’ve	AUX
cblr-14253	307	9	talked	talk	VERB
cblr-14253	307	10	to	to	PART
cblr-14253	307	11	are	be	AUX
cblr-14253	307	12	like	like	ADP
cblr-14253	307	13	,	,	PUNCT
cblr-14253	307	14	‘	'	PUNCT
cblr-14253	307	15	oh	oh	INTJ
cblr-14253	307	16	i	i	PRON
cblr-14253	307	17	love	love	VERB
cblr-14253	307	18	my	my	PRON
cblr-14253	307	19	jv	jv	NOUN
cblr-14253	307	20	,	,	PUNCT
cblr-14253	307	21	they	they	PRON
cblr-14253	307	22	pay	pay	VERB
cblr-14253	307	23	for	for	ADP
cblr-14253	307	24	some	some	DET
cblr-14253	307	25	much	much	ADJ
cblr-14253	307	26	!	!	PUNCT
cblr-14253	307	27	’	'	PUNCT
cblr-14253	308	1	yeah	yeah	INTJ
cblr-14253	308	2	,	,	PUNCT
cblr-14253	308	3	they	they	PRON
cblr-14253	308	4	pay	pay	VERB
cblr-14253	308	5	for	for	ADP
cblr-14253	308	6	so	so	ADV
cblr-14253	308	7	much	much	ADJ
cblr-14253	308	8	.	.	PUNCT
cblr-14253	309	1	keep	keep	VERB
cblr-14253	309	2	in	in	ADP
cblr-14253	309	3	mind	mind	NOUN
cblr-14253	309	4	the	the	DET
cblr-14253	309	5	money	money	NOUN
cblr-14253	309	6	comes	come	VERB
cblr-14253	309	7	from	from	ADP
cblr-14253	309	8	somewhere	somewhere	ADV
cblr-14253	309	9	and	and	CCONJ
cblr-14253	309	10	it	it	PRON
cblr-14253	309	11	is	be	AUX
cblr-14253	309	12	being	be	AUX
cblr-14253	309	13	taken	take	VERB
cblr-14253	309	14	from	from	ADP
cblr-14253	309	15	somewhere	somewhere	ADV
cblr-14253	309	16	.	.	PUNCT
cblr-14253	310	1	well	well	INTJ
cblr-14253	310	2	,	,	PUNCT
cblr-14253	310	3	the	the	DET
cblr-14253	310	4	money	money	NOUN
cblr-14253	310	5	is	be	AUX
cblr-14253	310	6	being	be	AUX
cblr-14253	310	7	taken	take	VERB
cblr-14253	310	8	from	from	ADP
cblr-14253	310	9	the	the	DET
cblr-14253	310	10	title	title	NOUN
cblr-14253	310	11	company	company	NOUN
cblr-14253	310	12	,	,	PUNCT
cblr-14253	310	13	but	but	CCONJ
cblr-14253	310	14	the	the	DET
cblr-14253	310	15	money	money	NOUN
cblr-14253	310	16	comes	come	VERB
cblr-14253	310	17	from	from	ADP
cblr-14253	310	18	your	your	PRON
cblr-14253	310	19	clients	client	NOUN
cblr-14253	310	20	.	.	PUNCT
cblr-14253	311	1	your	your	PRON
cblr-14253	311	2	buyers	buyer	NOUN
cblr-14253	311	3	.	.	PUNCT
cblr-14253	312	1	your	your	PRON
cblr-14253	312	2	sellers	seller	NOUN
cblr-14253	312	3	.	.	PUNCT
cblr-14253	313	1	whoever	whoever	PRON
cblr-14253	313	2	it	it	PRON
cblr-14253	313	3	is	be	AUX
cblr-14253	313	4	.	.	PUNCT
cblr-14253	314	1	they	they	PRON
cblr-14253	314	2	are	be	AUX
cblr-14253	314	3	funding	fund	VERB
cblr-14253	314	4	the	the	DET
cblr-14253	314	5	jv	jv	NOUN
cblr-14253	314	6	.	.	PUNCT
cblr-14253	315	1	do	do	AUX
cblr-14253	315	2	they	they	PRON
cblr-14253	315	3	know	know	VERB
cblr-14253	315	4	that	that	PRON
cblr-14253	315	5	?	?	PUNCT
cblr-14253	315	6	”	"	PUNCT
cblr-14253	315	7	)	)	PUNCT
cblr-14253	315	8	.	.	PUNCT
cblr-14253	316	1	59	59	NUM
cblr-14253	316	2	see	see	VERB
cblr-14253	316	3	infra	infra	NOUN
cblr-14253	316	4	part	part	NOUN
cblr-14253	316	5	iii	iii	NOUN
cblr-14253	316	6	.	.	PUNCT
cblr-14253	317	1	no	no	INTJ
cblr-14253	317	2	.	.	NOUN
cblr-14253	318	1	1	1	NUM
cblr-14253	318	2	]	]	PUNCT
cblr-14253	318	3	corrupt	corrupt	ADJ
cblr-14253	318	4	joint	joint	ADJ
cblr-14253	318	5	ventures	venture	NOUN
cblr-14253	318	6	411	411	NUM
cblr-14253	318	7	is	be	AUX
cblr-14253	318	8	now	now	ADV
cblr-14253	318	9	“	"	PUNCT
cblr-14253	318	10	the	the	DET
cblr-14253	318	11	business	business	NOUN
cblr-14253	318	12	plan	plan	NOUN
cblr-14253	318	13	of	of	ADP
cblr-14253	318	14	choice	choice	NOUN
cblr-14253	318	15	for	for	ADP
cblr-14253	318	16	an	an	DET
cblr-14253	318	17	increasing	increase	VERB
cblr-14253	318	18	number	number	NOUN
cblr-14253	318	19	of	of	ADP
cblr-14253	318	20	brokerages	brokerage	NOUN
cblr-14253	318	21	and	and	CCONJ
cblr-14253	318	22	lenders	lender	NOUN
cblr-14253	318	23	.	.	PUNCT
cblr-14253	318	24	”60	”60	PROPN
cblr-14253	318	25	in	in	ADP
cblr-14253	318	26	many	many	ADJ
cblr-14253	318	27	areas	area	NOUN
cblr-14253	318	28	of	of	ADP
cblr-14253	318	29	the	the	DET
cblr-14253	318	30	country	country	NOUN
cblr-14253	318	31	,	,	PUNCT
cblr-14253	318	32	the	the	DET
cblr-14253	318	33	market	market	NOUN
cblr-14253	318	34	for	for	ADP
cblr-14253	318	35	real	real	ADJ
cblr-14253	318	36	-	-	PUNCT
cblr-14253	318	37	estate	estate	NOUN
cblr-14253	318	38	-	-	PUNCT
cblr-14253	318	39	settlement	settlement	NOUN
cblr-14253	318	40	services	service	NOUN
cblr-14253	318	41	is	be	AUX
cblr-14253	318	42	quickly	quickly	ADV
cblr-14253	318	43	reorienting	reorient	VERB
cblr-14253	318	44	around	around	ADP
cblr-14253	318	45	joint	joint	ADJ
cblr-14253	318	46	ventures	venture	NOUN
cblr-14253	318	47	that	that	PRON
cblr-14253	318	48	induce	induce	VERB
cblr-14253	318	49	real	real	ADJ
cblr-14253	318	50	-	-	PUNCT
cblr-14253	318	51	estate	estate	NOUN
cblr-14253	318	52	agents	agent	NOUN
cblr-14253	318	53	to	to	PART
cblr-14253	318	54	join	join	VERB
cblr-14253	318	55	with	with	ADP
cblr-14253	318	56	little	little	ADJ
cblr-14253	318	57	or	or	CCONJ
cblr-14253	318	58	no	no	PRON
cblr-14253	318	59	meaningful	meaningful	ADJ
cblr-14253	318	60	up	up	ADJ
cblr-14253	318	61	-	-	PUNCT
cblr-14253	318	62	front	front	NOUN
cblr-14253	318	63	investment	investment	NOUN
cblr-14253	318	64	.	.	PUNCT
cblr-14253	319	1	moreover	moreover	ADV
cblr-14253	319	2	,	,	PUNCT
cblr-14253	319	3	if	if	SCONJ
cblr-14253	319	4	real	real	ADJ
cblr-14253	319	5	-	-	PUNCT
cblr-14253	319	6	estate	estate	NOUN
cblr-14253	319	7	agents	agent	NOUN
cblr-14253	319	8	are	be	AUX
cblr-14253	319	9	permitted	permit	VERB
cblr-14253	319	10	to	to	PART
cblr-14253	319	11	refer	refer	VERB
cblr-14253	319	12	their	their	PRON
cblr-14253	319	13	clients	client	NOUN
cblr-14253	319	14	to	to	PART
cblr-14253	319	15	discounted	discount	VERB
cblr-14253	319	16	joint	joint	ADJ
cblr-14253	319	17	ventures	venture	NOUN
cblr-14253	319	18	,	,	PUNCT
cblr-14253	319	19	mortgage	mortgage	NOUN
cblr-14253	319	20	-	-	PUNCT
cblr-14253	319	21	loan	loan	NOUN
cblr-14253	319	22	officers	officer	NOUN
cblr-14253	319	23	,	,	PUNCT
cblr-14253	319	24	real	real	ADJ
cblr-14253	319	25	-	-	PUNCT
cblr-14253	319	26	estate	estate	NOUN
cblr-14253	319	27	developers	developer	NOUN
cblr-14253	319	28	,	,	PUNCT
cblr-14253	319	29	and	and	CCONJ
cblr-14253	319	30	others	other	NOUN
cblr-14253	319	31	are	be	AUX
cblr-14253	319	32	likely	likely	ADJ
cblr-14253	319	33	to	to	PART
cblr-14253	319	34	follow	follow	VERB
cblr-14253	319	35	suit	suit	NOUN
cblr-14253	319	36	.	.	PUNCT
cblr-14253	320	1	the	the	DET
cblr-14253	320	2	structure	structure	NOUN
cblr-14253	320	3	of	of	ADP
cblr-14253	320	4	discounted	discount	VERB
cblr-14253	320	5	joint	joint	ADJ
cblr-14253	320	6	ventures	venture	NOUN
cblr-14253	320	7	has	have	VERB
cblr-14253	320	8	the	the	DET
cblr-14253	320	9	potential	potential	NOUN
cblr-14253	320	10	to	to	PART
cblr-14253	320	11	blow	blow	VERB
cblr-14253	320	12	a	a	DET
cblr-14253	320	13	hole	hole	NOUN
cblr-14253	320	14	in	in	ADP
cblr-14253	320	15	respa	respa	PROPN
cblr-14253	320	16	’s	’s	PART
cblr-14253	320	17	kickback	kickback	NOUN
cblr-14253	320	18	prohibition	prohibition	NOUN
cblr-14253	320	19	and	and	CCONJ
cblr-14253	320	20	re	re	NOUN
cblr-14253	320	21	-	-	NOUN
cblr-14253	320	22	form	form	VERB
cblr-14253	320	23	the	the	DET
cblr-14253	320	24	corrupt	corrupt	ADJ
cblr-14253	320	25	web	web	NOUN
cblr-14253	320	26	of	of	ADP
cblr-14253	320	27	hidden	hide	VERB
cblr-14253	320	28	referral	referral	NOUN
cblr-14253	320	29	fees	fee	NOUN
cblr-14253	320	30	that	that	PRON
cblr-14253	320	31	led	lead	VERB
cblr-14253	320	32	congress	congress	PROPN
cblr-14253	320	33	to	to	PART
cblr-14253	320	34	adopt	adopt	VERB
cblr-14253	320	35	respa	respa	NOUN
cblr-14253	320	36	in	in	ADP
cblr-14253	320	37	the	the	DET
cblr-14253	320	38	first	first	ADJ
cblr-14253	320	39	place	place	NOUN
cblr-14253	320	40	.	.	PUNCT
cblr-14253	321	1	if	if	SCONJ
cblr-14253	321	2	courts	court	NOUN
cblr-14253	321	3	permit	permit	VERB
cblr-14253	321	4	the	the	DET
cblr-14253	321	5	new	new	ADJ
cblr-14253	321	6	structure	structure	NOUN
cblr-14253	321	7	and	and	CCONJ
cblr-14253	321	8	it	it	PRON
cblr-14253	321	9	predictably	predictably	ADV
cblr-14253	321	10	raises	raise	VERB
cblr-14253	321	11	settlement	settlement	NOUN
cblr-14253	321	12	costs	cost	NOUN
cblr-14253	321	13	overall	overall	ADV
cblr-14253	321	14	,	,	PUNCT
cblr-14253	321	15	millions	million	NOUN
cblr-14253	321	16	of	of	ADP
cblr-14253	321	17	families	family	NOUN
cblr-14253	321	18	could	could	AUX
cblr-14253	321	19	be	be	AUX
cblr-14253	321	20	excluded	exclude	VERB
cblr-14253	321	21	from	from	ADP
cblr-14253	321	22	owning	own	VERB
cblr-14253	321	23	a	a	DET
cblr-14253	321	24	home	home	NOUN
cblr-14253	321	25	in	in	ADP
cblr-14253	321	26	the	the	DET
cblr-14253	321	27	coming	come	VERB
cblr-14253	321	28	years	year	NOUN
cblr-14253	321	29	because	because	SCONJ
cblr-14253	321	30	at	at	ADP
cblr-14253	321	31	the	the	DET
cblr-14253	321	32	outset	outset	NOUN
cblr-14253	321	33	of	of	ADP
cblr-14253	321	34	long	long	ADJ
cblr-14253	321	35	-	-	PUNCT
cblr-14253	321	36	term	term	NOUN
cblr-14253	321	37	loans	loan	NOUN
cblr-14253	321	38	,	,	PUNCT
cblr-14253	321	39	even	even	ADV
cblr-14253	321	40	modest	modest	ADJ
cblr-14253	321	41	cost	cost	NOUN
cblr-14253	321	42	barriers	barrier	NOUN
cblr-14253	321	43	can	can	AUX
cblr-14253	321	44	have	have	VERB
cblr-14253	321	45	a	a	DET
cblr-14253	321	46	substantial	substantial	ADJ
cblr-14253	321	47	effect	effect	NOUN
cblr-14253	321	48	on	on	ADP
cblr-14253	321	49	affordability.61	affordability.61	NOUN
cblr-14253	321	50	many	many	ADJ
cblr-14253	321	51	consumers	consumer	NOUN
cblr-14253	321	52	may	may	AUX
cblr-14253	321	53	end	end	VERB
cblr-14253	321	54	up	up	ADP
cblr-14253	321	55	paying	pay	VERB
cblr-14253	321	56	interest	interest	NOUN
cblr-14253	321	57	on	on	ADP
cblr-14253	321	58	added	add	VERB
cblr-14253	321	59	fees	fee	NOUN
cblr-14253	321	60	for	for	ADP
cblr-14253	321	61	much	much	ADJ
cblr-14253	321	62	of	of	ADP
cblr-14253	321	63	their	their	PRON
cblr-14253	321	64	adult	adult	NOUN
cblr-14253	321	65	lives	life	NOUN
cblr-14253	321	66	.	.	PUNCT
cblr-14253	322	1	despite	despite	SCONJ
cblr-14253	322	2	the	the	DET
cblr-14253	322	3	implications	implication	NOUN
cblr-14253	322	4	of	of	ADP
cblr-14253	322	5	this	this	DET
cblr-14253	322	6	trend	trend	NOUN
cblr-14253	322	7	,	,	PUNCT
cblr-14253	322	8	there	there	PRON
cblr-14253	322	9	is	be	VERB
cblr-14253	322	10	surprisingly	surprisingly	ADV
cblr-14253	322	11	little	little	ADJ
cblr-14253	322	12	legal	legal	ADJ
cblr-14253	322	13	analysis	analysis	NOUN
cblr-14253	322	14	of	of	ADP
cblr-14253	322	15	whether	whether	SCONJ
cblr-14253	322	16	this	this	DET
cblr-14253	322	17	business	business	NOUN
cblr-14253	322	18	strategy	strategy	NOUN
cblr-14253	322	19	is	be	AUX
cblr-14253	322	20	actually	actually	ADV
cblr-14253	322	21	legal	legal	ADJ
cblr-14253	322	22	.	.	PUNCT
cblr-14253	323	1	the	the	DET
cblr-14253	323	2	remainder	remainder	NOUN
cblr-14253	323	3	of	of	ADP
cblr-14253	323	4	this	this	DET
cblr-14253	323	5	article	article	NOUN
cblr-14253	323	6	focuses	focus	VERB
cblr-14253	323	7	on	on	ADP
cblr-14253	323	8	that	that	DET
cblr-14253	323	9	question	question	NOUN
cblr-14253	323	10	.	.	PUNCT
cblr-14253	324	1	iii	iii	X
cblr-14253	324	2	.	.	PUNCT
cblr-14253	324	3	real	real	ADJ
cblr-14253	324	4	estate	estate	NOUN
cblr-14253	324	5	settlement	settlement	NOUN
cblr-14253	324	6	joint	joint	ADJ
cblr-14253	324	7	ventures	venture	NOUN
cblr-14253	324	8	under	under	ADP
cblr-14253	324	9	respa	respa	PROPN
cblr-14253	324	10	’s	’s	PART
cblr-14253	324	11	affiliated	affiliate	VERB
cblr-14253	324	12	business	business	NOUN
cblr-14253	324	13	arrangement	arrangement	NOUN
cblr-14253	324	14	exemption	exemption	NOUN
cblr-14253	324	15	respa	respa	NOUN
cblr-14253	324	16	is	be	AUX
cblr-14253	324	17	a	a	DET
cblr-14253	324	18	cornerstone	cornerstone	NOUN
cblr-14253	324	19	of	of	ADP
cblr-14253	324	20	the	the	DET
cblr-14253	324	21	federal	federal	ADJ
cblr-14253	324	22	government	government	NOUN
cblr-14253	324	23	’s	’s	PART
cblr-14253	324	24	efforts	effort	NOUN
cblr-14253	324	25	to	to	PART
cblr-14253	324	26	make	make	VERB
cblr-14253	324	27	homebuying	homebuying	NOUN
cblr-14253	324	28	affordable	affordable	ADJ
cblr-14253	324	29	for	for	ADP
cblr-14253	324	30	most	most	ADJ
cblr-14253	324	31	americans	americans	PROPN
cblr-14253	324	32	.	.	PUNCT
cblr-14253	325	1	unlike	unlike	ADP
cblr-14253	325	2	grant	grant	NOUN
cblr-14253	325	3	programs	program	NOUN
cblr-14253	325	4	,	,	PUNCT
cblr-14253	325	5	tax	tax	NOUN
cblr-14253	325	6	credits	credit	NOUN
cblr-14253	325	7	,	,	PUNCT
cblr-14253	325	8	or	or	CCONJ
cblr-14253	325	9	mortgage	mortgage	NOUN
cblr-14253	325	10	-	-	PUNCT
cblr-14253	325	11	loan	loan	NOUN
cblr-14253	325	12	subsidies	subsidy	NOUN
cblr-14253	325	13	,	,	PUNCT
cblr-14253	325	14	respa	respa	NOUN
cblr-14253	325	15	—	—	PUNCT
cblr-14253	325	16	without	without	ADP
cblr-14253	325	17	a	a	DET
cblr-14253	325	18	direct	direct	ADJ
cblr-14253	325	19	cost	cost	NOUN
cblr-14253	325	20	to	to	ADP
cblr-14253	325	21	taxpayers	taxpayer	NOUN
cblr-14253	325	22	—	—	PUNCT
cblr-14253	325	23	attempts	attempt	VERB
cblr-14253	325	24	to	to	PART
cblr-14253	325	25	lay	lay	VERB
cblr-14253	325	26	ground	ground	NOUN
cblr-14253	325	27	rules	rule	NOUN
cblr-14253	325	28	that	that	PRON
cblr-14253	325	29	facilitate	facilitate	VERB
cblr-14253	325	30	efficiency	efficiency	NOUN
cblr-14253	325	31	and	and	CCONJ
cblr-14253	325	32	transparency	transparency	NOUN
cblr-14253	325	33	in	in	ADP
cblr-14253	325	34	60	60	NUM
cblr-14253	325	35	blake	blake	NOUN
cblr-14253	325	36	,	,	PUNCT
cblr-14253	325	37	supra	supra	PROPN
cblr-14253	325	38	note	note	NOUN
cblr-14253	325	39	51	51	NUM
cblr-14253	325	40	.	.	NOUN
cblr-14253	325	41	61	61	NUM
cblr-14253	325	42	cf	cf	NOUN
cblr-14253	325	43	.	.	PUNCT
cblr-14253	326	1	andrei	andrei	PROPN
cblr-14253	326	2	paduraru	paduraru	PROPN
cblr-14253	326	3	,	,	PUNCT
cblr-14253	326	4	what	what	PRON
cblr-14253	326	5	’s	’	VERB
cblr-14253	326	6	ahead	ahead	ADV
cblr-14253	326	7	?	?	PUNCT
cblr-14253	327	1	u.s	u.s	PROPN
cblr-14253	327	2	.	.	PROPN
cblr-14253	327	3	housing	housing	NOUN
cblr-14253	327	4	market	market	NOUN
cblr-14253	327	5	predictions	prediction	NOUN
cblr-14253	327	6	for	for	ADP
cblr-14253	327	7	2024	2024	NUM
cblr-14253	327	8	,	,	PUNCT
cblr-14253	327	9	jvm	jvm	PROPN
cblr-14253	327	10	lending	lending	NOUN
cblr-14253	327	11	(	(	PUNCT
cblr-14253	327	12	oct	oct	PROPN
cblr-14253	327	13	.	.	PROPN
cblr-14253	327	14	16	16	NUM
cblr-14253	327	15	,	,	PUNCT
cblr-14253	327	16	2023	2023	NUM
cblr-14253	327	17	)	)	PUNCT
cblr-14253	327	18	,	,	PUNCT
cblr-14253	327	19	https://www.jvmlending.com/blog/whats-ahead-u-s-housing-marketpredictions-for-2024/	https://www.jvmlending.com/blog/whats-ahead-u-s-housing-marketpredictions-for-2024/	PROPN
cblr-14253	328	1	[	[	X
cblr-14253	328	2	https://perma.cc/lhr3-9uns	https://perma.cc/lhr3-9uns	X
cblr-14253	328	3	]	]	X
cblr-14253	328	4	(	(	PUNCT
cblr-14253	328	5	“	"	PUNCT
cblr-14253	328	6	[	[	X
cblr-14253	328	7	a]s	a]	VERB
cblr-14253	328	8	many	many	ADJ
cblr-14253	328	9	as	as	ADP
cblr-14253	328	10	5	5	NUM
cblr-14253	328	11	million	million	NUM
cblr-14253	328	12	potential	potential	ADJ
cblr-14253	328	13	buyers	buyer	NOUN
cblr-14253	328	14	leave	leave	VERB
cblr-14253	328	15	the	the	DET
cblr-14253	328	16	market	market	NOUN
cblr-14253	328	17	with	with	ADP
cblr-14253	328	18	every	every	DET
cblr-14253	328	19	1	1	NUM
cblr-14253	328	20	%	%	NOUN
cblr-14253	328	21	increase	increase	NOUN
cblr-14253	328	22	in	in	ADP
cblr-14253	328	23	interest	interest	NOUN
cblr-14253	328	24	rates	rate	NOUN
cblr-14253	328	25	.	.	PUNCT
cblr-14253	328	26	”	"	PUNCT
cblr-14253	328	27	)	)	PUNCT
cblr-14253	328	28	.	.	PUNCT
cblr-14253	329	1	412	412	NUM
cblr-14253	329	2	columbia	columbia	PROPN
cblr-14253	329	3	business	business	NOUN
cblr-14253	329	4	law	law	PROPN
cblr-14253	329	5	review	review	NOUN
cblr-14253	329	6	[	[	X
cblr-14253	329	7	vol	vol	NOUN
cblr-14253	329	8	.	.	PUNCT
cblr-14253	329	9	2025	2025	NUM
cblr-14253	329	10	purchasing	purchase	VERB
cblr-14253	329	11	a	a	DET
cblr-14253	329	12	home	home	NOUN
cblr-14253	329	13	.	.	PUNCT
cblr-14253	330	1	congress	congress	PROPN
cblr-14253	330	2	enacted	enact	VERB
cblr-14253	330	3	respa	respa	NOUN
cblr-14253	330	4	in	in	ADP
cblr-14253	330	5	1974	1974	NUM
cblr-14253	330	6	after	after	ADP
cblr-14253	330	7	finding	find	VERB
cblr-14253	330	8	that	that	PRON
cblr-14253	330	9	:	:	PUNCT
cblr-14253	330	10	reforms	reform	NOUN
cblr-14253	330	11	in	in	ADP
cblr-14253	330	12	the	the	DET
cblr-14253	330	13	real	real	ADJ
cblr-14253	330	14	estate	estate	NOUN
cblr-14253	330	15	settlement	settlement	NOUN
cblr-14253	330	16	process	process	NOUN
cblr-14253	330	17	are	be	AUX
cblr-14253	330	18	needed	need	VERB
cblr-14253	330	19	to	to	PART
cblr-14253	330	20	insure	insure	VERB
cblr-14253	330	21	that	that	SCONJ
cblr-14253	330	22	consumers	consumer	NOUN
cblr-14253	330	23	throughout	throughout	ADP
cblr-14253	330	24	the	the	DET
cblr-14253	330	25	nation	nation	NOUN
cblr-14253	330	26	are	be	AUX
cblr-14253	330	27	provided	provide	VERB
cblr-14253	330	28	with	with	ADP
cblr-14253	330	29	greater	great	ADJ
cblr-14253	330	30	and	and	CCONJ
cblr-14253	330	31	more	more	ADV
cblr-14253	330	32	timely	timely	ADJ
cblr-14253	330	33	information	information	NOUN
cblr-14253	330	34	on	on	ADP
cblr-14253	330	35	the	the	DET
cblr-14253	330	36	nature	nature	NOUN
cblr-14253	330	37	and	and	CCONJ
cblr-14253	330	38	costs	cost	NOUN
cblr-14253	330	39	of	of	ADP
cblr-14253	330	40	the	the	DET
cblr-14253	330	41	settlement	settlement	NOUN
cblr-14253	330	42	process	process	NOUN
cblr-14253	330	43	and	and	CCONJ
cblr-14253	330	44	are	be	AUX
cblr-14253	330	45	protected	protect	VERB
cblr-14253	330	46	from	from	ADP
cblr-14253	330	47	unnecessarily	unnecessarily	ADV
cblr-14253	330	48	high	high	ADJ
cblr-14253	330	49	settlement	settlement	NOUN
cblr-14253	330	50	charges	charge	NOUN
cblr-14253	330	51	caused	cause	VERB
cblr-14253	330	52	by	by	ADP
cblr-14253	330	53	certain	certain	ADJ
cblr-14253	330	54	abusive	abusive	ADJ
cblr-14253	330	55	practices	practice	NOUN
cblr-14253	330	56	that	that	PRON
cblr-14253	330	57	have	have	AUX
cblr-14253	330	58	developed	develop	VERB
cblr-14253	330	59	in	in	ADP
cblr-14253	330	60	some	some	DET
cblr-14253	330	61	areas	area	NOUN
cblr-14253	330	62	of	of	ADP
cblr-14253	330	63	the	the	DET
cblr-14253	330	64	country.62	country.62	NOUN
cblr-14253	330	65	directing	direct	VERB
cblr-14253	330	66	the	the	DET
cblr-14253	330	67	department	department	NOUN
cblr-14253	330	68	of	of	ADP
cblr-14253	330	69	housing	housing	PROPN
cblr-14253	330	70	and	and	CCONJ
cblr-14253	330	71	urban	urban	PROPN
cblr-14253	330	72	development	development	PROPN
cblr-14253	330	73	(	(	PUNCT
cblr-14253	330	74	hud	hud	PROPN
cblr-14253	330	75	)	)	PUNCT
cblr-14253	330	76	to	to	PART
cblr-14253	330	77	implement	implement	VERB
cblr-14253	330	78	and	and	CCONJ
cblr-14253	330	79	enforce	enforce	VERB
cblr-14253	330	80	the	the	DET
cblr-14253	330	81	law	law	NOUN
cblr-14253	330	82	,	,	PUNCT
cblr-14253	330	83	respa	respa	PROPN
cblr-14253	330	84	’s	’s	PART
cblr-14253	330	85	basic	basic	ADJ
cblr-14253	330	86	approach	approach	NOUN
cblr-14253	330	87	was	be	AUX
cblr-14253	330	88	twofold	twofold	ADV
cblr-14253	330	89	.	.	PUNCT
cblr-14253	331	1	first	first	ADV
cblr-14253	331	2	,	,	PUNCT
cblr-14253	331	3	it	it	PRON
cblr-14253	331	4	required	require	VERB
cblr-14253	331	5	price	price	NOUN
cblr-14253	331	6	disclosures	disclosure	NOUN
cblr-14253	331	7	to	to	PART
cblr-14253	331	8	empower	empower	VERB
cblr-14253	331	9	consumers	consumer	NOUN
cblr-14253	331	10	to	to	PART
cblr-14253	331	11	shop	shop	VERB
cblr-14253	331	12	for	for	ADP
cblr-14253	331	13	affordable	affordable	ADJ
cblr-14253	331	14	closing	closing	NOUN
cblr-14253	331	15	services	service	NOUN
cblr-14253	331	16	.	.	PUNCT
cblr-14253	332	1	second	second	ADJ
cblr-14253	332	2	,	,	PUNCT
cblr-14253	332	3	it	it	PRON
cblr-14253	332	4	prohibited	prohibit	VERB
cblr-14253	332	5	referral	referral	ADJ
cblr-14253	332	6	payments	payment	NOUN
cblr-14253	332	7	.	.	PUNCT
cblr-14253	333	1	we	we	PRON
cblr-14253	333	2	focus	focus	VERB
cblr-14253	333	3	on	on	ADP
cblr-14253	333	4	the	the	DET
cblr-14253	333	5	latter	latter	ADJ
cblr-14253	333	6	.	.	PUNCT
cblr-14253	334	1	a.	a.	NOUN
cblr-14253	334	2	section	section	PROPN
cblr-14253	334	3	8	8	NUM
cblr-14253	334	4	’s	’s	PART
cblr-14253	334	5	kickback	kickback	NOUN
cblr-14253	334	6	prohibition	prohibition	NOUN
cblr-14253	334	7	and	and	CCONJ
cblr-14253	334	8	the	the	DET
cblr-14253	334	9	affiliated	affiliated	ADJ
cblr-14253	334	10	business	business	NOUN
cblr-14253	334	11	arrangements	arrangement	NOUN
cblr-14253	334	12	exception	exception	NOUN
cblr-14253	334	13	at	at	ADP
cblr-14253	334	14	the	the	DET
cblr-14253	334	15	core	core	NOUN
cblr-14253	334	16	of	of	ADP
cblr-14253	334	17	respa	respa	PROPN
cblr-14253	334	18	’s	’s	PART
cblr-14253	334	19	efforts	effort	NOUN
cblr-14253	334	20	to	to	PART
cblr-14253	334	21	prevent	prevent	VERB
cblr-14253	334	22	costly	costly	ADJ
cblr-14253	334	23	barriers	barrier	NOUN
cblr-14253	334	24	to	to	ADP
cblr-14253	334	25	purchasing	purchase	VERB
cblr-14253	334	26	a	a	DET
cblr-14253	334	27	home	home	NOUN
cblr-14253	334	28	is	be	AUX
cblr-14253	334	29	§	§	PROPN
cblr-14253	334	30	8	8	NUM
cblr-14253	334	31	’s	’s	PART
cblr-14253	334	32	prohibition	prohibition	NOUN
cblr-14253	334	33	of	of	ADP
cblr-14253	334	34	referral	referral	ADJ
cblr-14253	334	35	payments	payment	NOUN
cblr-14253	334	36	—	—	PUNCT
cblr-14253	334	37	commonly	commonly	ADV
cblr-14253	334	38	known	know	VERB
cblr-14253	334	39	as	as	ADP
cblr-14253	334	40	kickbacks	kickback	NOUN
cblr-14253	334	41	—	—	PUNCT
cblr-14253	334	42	between	between	ADP
cblr-14253	334	43	settlement	settlement	NOUN
cblr-14253	334	44	-	-	PUNCT
cblr-14253	334	45	services	service	NOUN
cblr-14253	334	46	providers	provider	NOUN
cblr-14253	334	47	.	.	PUNCT
cblr-14253	335	1	respa	respa	PROPN
cblr-14253	335	2	’s	’s	PART
cblr-14253	335	3	kickback	kickback	NOUN
cblr-14253	335	4	prohibition	prohibition	NOUN
cblr-14253	335	5	is	be	AUX
cblr-14253	335	6	rooted	root	VERB
cblr-14253	335	7	in	in	ADP
cblr-14253	335	8	the	the	DET
cblr-14253	335	9	public	public	ADJ
cblr-14253	335	10	-	-	PUNCT
cblr-14253	335	11	policy	policy	NOUN
cblr-14253	335	12	objective	objective	NOUN
cblr-14253	335	13	of	of	ADP
cblr-14253	335	14	safeguarding	safeguard	VERB
cblr-14253	335	15	consumers	consumer	NOUN
cblr-14253	335	16	,	,	PUNCT
cblr-14253	335	17	promoting	promote	VERB
cblr-14253	335	18	fair	fair	ADJ
cblr-14253	335	19	competition	competition	NOUN
cblr-14253	335	20	,	,	PUNCT
cblr-14253	335	21	and	and	CCONJ
cblr-14253	335	22	maintaining	maintain	VERB
cblr-14253	335	23	the	the	DET
cblr-14253	335	24	integrity	integrity	NOUN
cblr-14253	335	25	of	of	ADP
cblr-14253	335	26	real	real	ADJ
cblr-14253	335	27	-	-	PUNCT
cblr-14253	335	28	estate	estate	NOUN
cblr-14253	335	29	transactions.63	transactions.63	NOUN
cblr-14253	335	30	congress	congress	PROPN
cblr-14253	335	31	was	be	AUX
cblr-14253	335	32	concerned	concern	VERB
cblr-14253	335	33	that	that	SCONJ
cblr-14253	335	34	paying	pay	VERB
cblr-14253	335	35	compensation	compensation	NOUN
cblr-14253	335	36	for	for	ADP
cblr-14253	335	37	steering	steering	NOUN
cblr-14253	335	38	business	business	NOUN
cblr-14253	335	39	introduced	introduce	VERB
cblr-14253	335	40	hidden	hide	VERB
cblr-14253	335	41	incentives	incentive	NOUN
cblr-14253	335	42	and	and	CCONJ
cblr-14253	335	43	conflicts	conflict	NOUN
cblr-14253	335	44	of	of	ADP
cblr-14253	335	45	interest	interest	NOUN
cblr-14253	335	46	into	into	ADP
cblr-14253	335	47	real	real	ADJ
cblr-14253	335	48	-	-	PUNCT
cblr-14253	335	49	estate	estate	NOUN
cblr-14253	335	50	transactions	transaction	NOUN
cblr-14253	335	51	that	that	PRON
cblr-14253	335	52	would	would	AUX
cblr-14253	335	53	raise	raise	VERB
cblr-14253	335	54	costs	cost	NOUN
cblr-14253	335	55	for	for	ADP
cblr-14253	335	56	homebuyers.64	homebuyers.64	PROPN
cblr-14253	335	57	for	for	ADP
cblr-14253	335	58	half	half	DET
cblr-14253	335	59	a	a	DET
cblr-14253	335	60	century	century	NOUN
cblr-14253	335	61	,	,	PUNCT
cblr-14253	335	62	respa	respa	PROPN
cblr-14253	335	63	’s	’s	PART
cblr-14253	335	64	kickback	kickback	NOUN
cblr-14253	335	65	prohibition	prohibition	NOUN
cblr-14253	335	66	has	have	AUX
cblr-14253	335	67	been	be	AUX
cblr-14253	335	68	america	america	PROPN
cblr-14253	335	69	’s	’s	PART
cblr-14253	335	70	62	62	NUM
cblr-14253	335	71	pub	pub	NOUN
cblr-14253	335	72	.	.	PUNCT
cblr-14253	336	1	l.	l.	PROPN
cblr-14253	336	2	no	no	INTJ
cblr-14253	336	3	.	.	PROPN
cblr-14253	337	1	93	93	NUM
cblr-14253	337	2	-	-	SYM
cblr-14253	337	3	533	533	NUM
cblr-14253	337	4	,	,	PUNCT
cblr-14253	337	5	§	§	NOUN
cblr-14253	337	6	 	 	SPACE
cblr-14253	337	7	2	2	NUM
cblr-14253	337	8	,	,	PUNCT
cblr-14253	337	9	88	88	NUM
cblr-14253	337	10	stat	stat	NOUN
cblr-14253	337	11	.	.	PUNCT
cblr-14253	338	1	1724	1724	NUM
cblr-14253	338	2	(	(	PUNCT
cblr-14253	338	3	codified	codify	VERB
cblr-14253	338	4	at	at	ADP
cblr-14253	338	5	12	12	NUM
cblr-14253	338	6	u.s.c	u.s.c	NOUN
cblr-14253	338	7	.	.	PUNCT
cblr-14253	339	1	§	§	PROPN
cblr-14253	339	2	2601(a	2601(a	NOUN
cblr-14253	339	3	)	)	PUNCT
cblr-14253	339	4	)	)	PUNCT
cblr-14253	339	5	.	.	PUNCT
cblr-14253	340	1	63	63	NUM
cblr-14253	340	2	providing	provide	VERB
cblr-14253	340	3	for	for	ADP
cblr-14253	340	4	greater	great	ADJ
cblr-14253	340	5	disclosure	disclosure	NOUN
cblr-14253	340	6	of	of	ADP
cblr-14253	340	7	the	the	DET
cblr-14253	340	8	nature	nature	NOUN
cblr-14253	340	9	and	and	CCONJ
cblr-14253	340	10	costs	cost	NOUN
cblr-14253	340	11	of	of	ADP
cblr-14253	340	12	real	real	ADJ
cblr-14253	340	13	estate	estate	NOUN
cblr-14253	340	14	settlement	settlement	NOUN
cblr-14253	340	15	services	service	NOUN
cblr-14253	340	16	,	,	PUNCT
cblr-14253	340	17	s.	s.	PROPN
cblr-14253	340	18	rep	rep	PROPN
cblr-14253	340	19	.	.	PROPN
cblr-14253	341	1	no	no	INTJ
cblr-14253	341	2	.	.	PROPN
cblr-14253	342	1	93	93	NUM
cblr-14253	342	2	-	-	SYM
cblr-14253	342	3	866	866	NUM
cblr-14253	342	4	,	,	PUNCT
cblr-14253	342	5	at	at	ADP
cblr-14253	342	6	3	3	NUM
cblr-14253	342	7	(	(	PUNCT
cblr-14253	342	8	1974	1974	NUM
cblr-14253	342	9	)	)	PUNCT
cblr-14253	342	10	(	(	PUNCT
cblr-14253	342	11	explaining	explain	VERB
cblr-14253	342	12	that	that	SCONJ
cblr-14253	342	13	congress	congress	PROPN
cblr-14253	342	14	adopted	adopt	VERB
cblr-14253	342	15	respa	respa	NOUN
cblr-14253	342	16	’s	’s	PART
cblr-14253	342	17	prohibition	prohibition	NOUN
cblr-14253	342	18	of	of	ADP
cblr-14253	342	19	referral	referral	ADJ
cblr-14253	342	20	fees	fee	NOUN
cblr-14253	342	21	to	to	PART
cblr-14253	342	22	“	"	PUNCT
cblr-14253	342	23	ensure	ensure	VERB
cblr-14253	342	24	that	that	SCONJ
cblr-14253	342	25	the	the	DET
cblr-14253	342	26	costs	cost	NOUN
cblr-14253	342	27	to	to	ADP
cblr-14253	342	28	the	the	DET
cblr-14253	342	29	american	american	ADJ
cblr-14253	342	30	home	home	NOUN
cblr-14253	342	31	buying	buy	VERB
cblr-14253	342	32	public	public	NOUN
cblr-14253	342	33	will	will	AUX
cblr-14253	342	34	not	not	PART
cblr-14253	342	35	be	be	AUX
cblr-14253	342	36	unreasonably	unreasonably	ADV
cblr-14253	342	37	or	or	CCONJ
cblr-14253	342	38	unnecessarily	unnecessarily	ADV
cblr-14253	342	39	inflated	inflate	VERB
cblr-14253	342	40	by	by	ADP
cblr-14253	342	41	abusive	abusive	ADJ
cblr-14253	342	42	practices	practice	NOUN
cblr-14253	342	43	.	.	PUNCT
cblr-14253	342	44	”	"	PUNCT
cblr-14253	342	45	)	)	PUNCT
cblr-14253	342	46	.	.	PUNCT
cblr-14253	343	1	64	64	NUM
cblr-14253	344	1	i	i	PRON
cblr-14253	344	2	d.	d.	NOUN
cblr-14253	344	3	at	at	ADP
cblr-14253	344	4	6	6	NUM
cblr-14253	344	5	.	.	PUNCT
cblr-14253	345	1	no	no	INTJ
cblr-14253	345	2	.	.	NOUN
cblr-14253	345	3	1	1	NUM
cblr-14253	345	4	]	]	PUNCT
cblr-14253	345	5	corrupt	corrupt	ADJ
cblr-14253	345	6	joint	joint	ADJ
cblr-14253	345	7	ventures	venture	NOUN
cblr-14253	345	8	413	413	NUM
cblr-14253	345	9	most	most	ADV
cblr-14253	345	10	important	important	ADJ
cblr-14253	345	11	anti	anti	ADJ
cblr-14253	345	12	-	-	ADJ
cblr-14253	345	13	corruption	corruption	ADJ
cblr-14253	345	14	rule	rule	NOUN
cblr-14253	345	15	in	in	ADP
cblr-14253	345	16	the	the	DET
cblr-14253	345	17	residentialhousing	residentialhouse	VERB
cblr-14253	345	18	market	market	NOUN
cblr-14253	345	19	.	.	PUNCT
cblr-14253	346	1	this	this	DET
cblr-14253	346	2	single	single	ADJ
cblr-14253	346	3	-	-	PUNCT
cblr-14253	346	4	sentence	sentence	NOUN
cblr-14253	346	5	rule	rule	NOUN
cblr-14253	346	6	states	state	NOUN
cblr-14253	346	7	:	:	PUNCT
cblr-14253	346	8	“	"	PUNCT
cblr-14253	346	9	no	no	DET
cblr-14253	346	10	person	person	NOUN
cblr-14253	346	11	shall	shall	AUX
cblr-14253	346	12	give	give	VERB
cblr-14253	346	13	and	and	CCONJ
cblr-14253	346	14	no	no	DET
cblr-14253	346	15	person	person	NOUN
cblr-14253	346	16	shall	shall	AUX
cblr-14253	346	17	accept	accept	VERB
cblr-14253	346	18	any	any	DET
cblr-14253	346	19	fee	fee	NOUN
cblr-14253	346	20	,	,	PUNCT
cblr-14253	346	21	kickback	kickback	NOUN
cblr-14253	346	22	,	,	PUNCT
cblr-14253	346	23	or	or	CCONJ
cblr-14253	346	24	thing	thing	NOUN
cblr-14253	346	25	of	of	ADP
cblr-14253	346	26	value	value	NOUN
cblr-14253	346	27	pursuant	pursuant	ADJ
cblr-14253	346	28	to	to	ADP
cblr-14253	346	29	any	any	DET
cblr-14253	346	30	agreement	agreement	NOUN
cblr-14253	346	31	or	or	CCONJ
cblr-14253	346	32	understanding	understanding	NOUN
cblr-14253	346	33	,	,	PUNCT
cblr-14253	346	34	oral	oral	ADJ
cblr-14253	346	35	or	or	CCONJ
cblr-14253	346	36	otherwise	otherwise	ADV
cblr-14253	346	37	,	,	PUNCT
cblr-14253	346	38	that	that	SCONJ
cblr-14253	346	39	business	business	NOUN
cblr-14253	346	40	incident	incident	NOUN
cblr-14253	346	41	to	to	ADP
cblr-14253	346	42	or	or	CCONJ
cblr-14253	346	43	a	a	DET
cblr-14253	346	44	part	part	NOUN
cblr-14253	346	45	of	of	ADP
cblr-14253	346	46	a	a	DET
cblr-14253	346	47	real	real	ADJ
cblr-14253	346	48	estate	estate	NOUN
cblr-14253	346	49	settlement	settlement	NOUN
cblr-14253	346	50	service	service	NOUN
cblr-14253	346	51	involving	involve	VERB
cblr-14253	346	52	a	a	DET
cblr-14253	346	53	federally	federally	ADV
cblr-14253	346	54	related	relate	VERB
cblr-14253	346	55	mortgage	mortgage	NOUN
cblr-14253	346	56	loan	loan	NOUN
cblr-14253	346	57	shall	shall	AUX
cblr-14253	346	58	be	be	AUX
cblr-14253	346	59	referred	refer	VERB
cblr-14253	346	60	to	to	ADP
cblr-14253	346	61	any	any	DET
cblr-14253	346	62	person	person	NOUN
cblr-14253	346	63	.	.	PUNCT
cblr-14253	347	1	”65	”65	VERB
cblr-14253	347	2	real	real	ADJ
cblr-14253	347	3	-	-	PUNCT
cblr-14253	347	4	estate	estate	NOUN
cblr-14253	347	5	-	-	PUNCT
cblr-14253	347	6	settlement	settlement	NOUN
cblr-14253	347	7	joint	joint	ADJ
cblr-14253	347	8	ventures	venture	NOUN
cblr-14253	347	9	between	between	ADP
cblr-14253	347	10	real	real	ADJ
cblr-14253	347	11	-	-	PUNCT
cblr-14253	347	12	estate	estate	NOUN
cblr-14253	347	13	agents	agent	NOUN
cblr-14253	347	14	and	and	CCONJ
cblr-14253	347	15	title	title	NOUN
cblr-14253	347	16	companies	company	NOUN
cblr-14253	347	17	or	or	CCONJ
cblr-14253	347	18	mortgage	mortgage	NOUN
cblr-14253	347	19	brokers	broker	NOUN
cblr-14253	347	20	easily	easily	ADV
cblr-14253	347	21	run	run	VERB
cblr-14253	347	22	afoul	afoul	ADV
cblr-14253	347	23	of	of	ADP
cblr-14253	347	24	this	this	DET
cblr-14253	347	25	simple	simple	ADJ
cblr-14253	347	26	standard	standard	NOUN
cblr-14253	347	27	.	.	PUNCT
cblr-14253	348	1	the	the	DET
cblr-14253	348	2	real	real	ADJ
cblr-14253	348	3	-	-	PUNCT
cblr-14253	348	4	estate	estate	NOUN
cblr-14253	348	5	agent	agent	NOUN
cblr-14253	348	6	receives	receive	VERB
cblr-14253	348	7	payments	payment	NOUN
cblr-14253	348	8	from	from	ADP
cblr-14253	348	9	the	the	DET
cblr-14253	348	10	joint	joint	ADJ
cblr-14253	348	11	venture	venture	NOUN
cblr-14253	348	12	.	.	PUNCT
cblr-14253	349	1	the	the	DET
cblr-14253	349	2	joint	joint	ADJ
cblr-14253	349	3	venture	venture	NOUN
cblr-14253	349	4	is	be	AUX
cblr-14253	349	5	formed	form	VERB
cblr-14253	349	6	specifically	specifically	ADV
cblr-14253	349	7	for	for	ADP
cblr-14253	349	8	the	the	DET
cblr-14253	349	9	purpose	purpose	NOUN
cblr-14253	349	10	of	of	ADP
cblr-14253	349	11	incentivizing	incentivize	VERB
cblr-14253	349	12	referrals	referral	NOUN
cblr-14253	349	13	from	from	ADP
cblr-14253	349	14	the	the	DET
cblr-14253	349	15	real	real	ADJ
cblr-14253	349	16	-	-	PUNCT
cblr-14253	349	17	estate	estate	NOUN
cblr-14253	349	18	agent	agent	NOUN
cblr-14253	349	19	.	.	PUNCT
cblr-14253	350	1	and	and	CCONJ
cblr-14253	350	2	the	the	DET
cblr-14253	350	3	payments	payment	NOUN
cblr-14253	350	4	to	to	ADP
cblr-14253	350	5	the	the	DET
cblr-14253	350	6	real	real	ADJ
cblr-14253	350	7	-	-	PUNCT
cblr-14253	350	8	estate	estate	NOUN
cblr-14253	350	9	agent	agent	NOUN
cblr-14253	350	10	are	be	AUX
cblr-14253	350	11	forthcoming	forthcoming	ADJ
cblr-14253	350	12	from	from	ADP
cblr-14253	350	13	the	the	DET
cblr-14253	350	14	joint	joint	ADJ
cblr-14253	350	15	venture	venture	NOUN
cblr-14253	350	16	only	only	ADV
cblr-14253	350	17	if	if	SCONJ
cblr-14253	350	18	referrals	referral	NOUN
cblr-14253	350	19	are	be	AUX
cblr-14253	350	20	actually	actually	ADV
cblr-14253	350	21	made	make	VERB
cblr-14253	350	22	;	;	PUNCT
cblr-14253	350	23	without	without	ADP
cblr-14253	350	24	referrals	referral	NOUN
cblr-14253	350	25	,	,	PUNCT
cblr-14253	350	26	there	there	PRON
cblr-14253	350	27	are	be	VERB
cblr-14253	350	28	no	no	DET
cblr-14253	350	29	profits	profit	NOUN
cblr-14253	350	30	to	to	PART
cblr-14253	350	31	distribute	distribute	VERB
cblr-14253	350	32	.	.	PUNCT
cblr-14253	351	1	thus	thus	ADV
cblr-14253	351	2	,	,	PUNCT
cblr-14253	351	3	in	in	ADP
cblr-14253	351	4	general	general	ADJ
cblr-14253	351	5	,	,	PUNCT
cblr-14253	351	6	title	title	NOUN
cblr-14253	351	7	companies	company	NOUN
cblr-14253	351	8	,	,	PUNCT
cblr-14253	351	9	mortgage	mortgage	NOUN
cblr-14253	351	10	brokers	broker	NOUN
cblr-14253	351	11	,	,	PUNCT
cblr-14253	351	12	and	and	CCONJ
cblr-14253	351	13	other	other	ADJ
cblr-14253	351	14	settlementservices	settlementservice	NOUN
cblr-14253	351	15	providers	provider	NOUN
cblr-14253	351	16	are	be	AUX
cblr-14253	351	17	prohibited	prohibit	VERB
cblr-14253	351	18	from	from	ADP
cblr-14253	351	19	giving	give	VERB
cblr-14253	351	20	,	,	PUNCT
cblr-14253	351	21	and	and	CCONJ
cblr-14253	351	22	real	real	ADJ
cblr-14253	351	23	-	-	PUNCT
cblr-14253	351	24	estate	estate	NOUN
cblr-14253	351	25	agents	agent	NOUN
cblr-14253	351	26	are	be	AUX
cblr-14253	351	27	prohibited	prohibit	VERB
cblr-14253	351	28	from	from	ADP
cblr-14253	351	29	receiving	receive	VERB
cblr-14253	351	30	,	,	PUNCT
cblr-14253	351	31	“	"	PUNCT
cblr-14253	351	32	any	any	PRON
cblr-14253	351	33	.	.	PUNCT
cblr-14253	351	34	.	.	PUNCT
cblr-14253	351	35	.	.	PUNCT
cblr-14253	352	1	thing	thing	NOUN
cblr-14253	352	2	of	of	ADP
cblr-14253	352	3	value	value	NOUN
cblr-14253	352	4	”	"	PUNCT
cblr-14253	352	5	in	in	ADP
cblr-14253	352	6	exchange	exchange	NOUN
cblr-14253	352	7	for	for	ADP
cblr-14253	352	8	a	a	DET
cblr-14253	352	9	referral.66	referral.66	NOUN
cblr-14253	352	10	nevertheless	nevertheless	ADV
cblr-14253	352	11	,	,	PUNCT
cblr-14253	352	12	during	during	ADP
cblr-14253	352	13	the	the	DET
cblr-14253	352	14	deregulatory	deregulatory	ADJ
cblr-14253	352	15	reforms	reform	NOUN
cblr-14253	352	16	of	of	ADP
cblr-14253	352	17	the	the	DET
cblr-14253	352	18	reagan	reagan	PROPN
cblr-14253	352	19	administration	administration	NOUN
cblr-14253	352	20	,	,	PUNCT
cblr-14253	352	21	congress	congress	PROPN
cblr-14253	352	22	adopted	adopt	VERB
cblr-14253	352	23	an	an	DET
cblr-14253	352	24	exception	exception	NOUN
cblr-14253	352	25	to	to	ADP
cblr-14253	352	26	respa	respa	PROPN
cblr-14253	352	27	’s	’s	PART
cblr-14253	352	28	prohibition	prohibition	NOUN
cblr-14253	352	29	of	of	ADP
cblr-14253	352	30	referral	referral	ADJ
cblr-14253	352	31	payments	payment	NOUN
cblr-14253	352	32	,	,	PUNCT
cblr-14253	352	33	allowing	allow	VERB
cblr-14253	352	34	settlement	settlement	NOUN
cblr-14253	352	35	-	-	PUNCT
cblr-14253	352	36	services	service	NOUN
cblr-14253	352	37	providers	provider	NOUN
cblr-14253	352	38	to	to	ADP
cblr-14253	352	39	co	co	VERB
cblr-14253	352	40	-	-	ADJ
cblr-14253	352	41	own	own	ADJ
cblr-14253	352	42	settlement	settlement	NOUN
cblr-14253	352	43	-	-	PUNCT
cblr-14253	352	44	services	service	NOUN
cblr-14253	352	45	businesses	business	NOUN
cblr-14253	352	46	under	under	ADP
cblr-14253	352	47	certain	certain	ADJ
cblr-14253	352	48	circumstances.67	circumstances.67	NOUN
cblr-14253	352	49	originally	originally	ADV
cblr-14253	352	50	,	,	PUNCT
cblr-14253	352	51	congress	congress	PROPN
cblr-14253	352	52	called	call	VERB
cblr-14253	352	53	these	these	DET
cblr-14253	352	54	permissible	permissible	ADJ
cblr-14253	352	55	co	co	ADJ
cblr-14253	352	56	-	-	ADJ
cblr-14253	352	57	owned	own	VERB
cblr-14253	352	58	businesses	business	NOUN
cblr-14253	352	59	“	"	PUNCT
cblr-14253	352	60	controlled	control	VERB
cblr-14253	352	61	business	business	NOUN
cblr-14253	352	62	arrangements	arrangement	NOUN
cblr-14253	352	63	.	.	PUNCT
cblr-14253	353	1	”68	”68	PROPN
cblr-14253	353	2	later	later	ADV
cblr-14253	353	3	,	,	PUNCT
cblr-14253	353	4	in	in	ADP
cblr-14253	353	5	its	its	PRON
cblr-14253	353	6	1996	1996	NUM
cblr-14253	353	7	respa	respa	PROPN
cblr-14253	353	8	amendments	amendment	NOUN
cblr-14253	353	9	,	,	PUNCT
cblr-14253	353	10	congress	congress	PROPN
cblr-14253	353	11	recharacterized	recharacterize	VERB
cblr-14253	353	12	them	they	PRON
cblr-14253	353	13	as	as	ADP
cblr-14253	353	14	“	"	PUNCT
cblr-14253	353	15	affiliated	affiliated	ADJ
cblr-14253	353	16	business	business	NOUN
cblr-14253	353	17	arrangements	arrangement	NOUN
cblr-14253	353	18	.	.	PUNCT
cblr-14253	354	1	”69	”69	VERB
cblr-14253	354	2	this	this	DET
cblr-14253	354	3	exception	exception	NOUN
cblr-14253	354	4	to	to	ADP
cblr-14253	354	5	65	65	NUM
cblr-14253	354	6	12	12	NUM
cblr-14253	354	7	u.s.c	u.s.c	NOUN
cblr-14253	354	8	.	.	PUNCT
cblr-14253	355	1	§	§	PROPN
cblr-14253	355	2	2607(a	2607(a	NUM
cblr-14253	355	3	)	)	PUNCT
cblr-14253	355	4	.	.	PUNCT
cblr-14253	356	1	see	see	VERB
cblr-14253	356	2	also	also	ADV
cblr-14253	356	3	12	12	NUM
cblr-14253	356	4	c.f.r	c.f.r	NOUN
cblr-14253	356	5	.	.	PUNCT
cblr-14253	357	1	§	§	PROPN
cblr-14253	357	2	1024.14(a	1024.14(a	NUM
cblr-14253	357	3	)	)	PUNCT
cblr-14253	357	4	(	(	PUNCT
cblr-14253	357	5	“	"	PUNCT
cblr-14253	357	6	a	a	DET
cblr-14253	357	7	company	company	NOUN
cblr-14253	357	8	may	may	AUX
cblr-14253	357	9	not	not	PART
cblr-14253	357	10	pay	pay	VERB
cblr-14253	357	11	any	any	DET
cblr-14253	357	12	other	other	ADJ
cblr-14253	357	13	company	company	NOUN
cblr-14253	357	14	or	or	CCONJ
cblr-14253	357	15	the	the	DET
cblr-14253	357	16	employees	employee	NOUN
cblr-14253	357	17	of	of	ADP
cblr-14253	357	18	any	any	DET
cblr-14253	357	19	other	other	ADJ
cblr-14253	357	20	company	company	NOUN
cblr-14253	357	21	for	for	ADP
cblr-14253	357	22	the	the	DET
cblr-14253	357	23	referral	referral	NOUN
cblr-14253	357	24	of	of	ADP
cblr-14253	357	25	settlement	settlement	NOUN
cblr-14253	357	26	service	service	NOUN
cblr-14253	357	27	business	business	NOUN
cblr-14253	357	28	.	.	PUNCT
cblr-14253	357	29	”	"	PUNCT
cblr-14253	357	30	)	)	PUNCT
cblr-14253	357	31	.	.	PUNCT
cblr-14253	358	1	66	66	NUM
cblr-14253	358	2	12	12	NUM
cblr-14253	358	3	u.s.c	u.s.c	NOUN
cblr-14253	358	4	.	.	PUNCT
cblr-14253	359	1	§	§	PROPN
cblr-14253	359	2	2607(a	2607(a	NUM
cblr-14253	359	3	)	)	PUNCT
cblr-14253	359	4	(	(	PUNCT
cblr-14253	359	5	emphasis	emphasis	NOUN
cblr-14253	359	6	added	add	VERB
cblr-14253	359	7	)	)	PUNCT
cblr-14253	359	8	.	.	PUNCT
cblr-14253	360	1	67	67	NUM
cblr-14253	360	2	housing	housing	NOUN
cblr-14253	360	3	and	and	CCONJ
cblr-14253	360	4	urban	urban	ADJ
cblr-14253	360	5	-	-	PUNCT
cblr-14253	360	6	rural	rural	ADJ
cblr-14253	360	7	recovery	recovery	NOUN
cblr-14253	360	8	act	act	NOUN
cblr-14253	360	9	of	of	ADP
cblr-14253	360	10	1983	1983	NUM
cblr-14253	360	11	.	.	PUNCT
cblr-14253	361	1	pub	pub	NOUN
cblr-14253	361	2	.	.	PUNCT
cblr-14253	362	1	l.	l.	PROPN
cblr-14253	362	2	no	no	INTJ
cblr-14253	362	3	.	.	PROPN
cblr-14253	363	1	98	98	NUM
cblr-14253	363	2	-	-	SYM
cblr-14253	363	3	181	181	NUM
cblr-14253	363	4	,	,	PUNCT
cblr-14253	363	5	(	(	PUNCT
cblr-14253	363	6	hr	hr	NOUN
cblr-14253	363	7	3959	3959	NUM
cblr-14253	363	8	)	)	PUNCT
cblr-14253	363	9	,	,	PUNCT
cblr-14253	363	10	§	§	PROPN
cblr-14253	363	11	461	461	NUM
cblr-14253	363	12	,	,	PUNCT
cblr-14253	363	13	97	97	NUM
cblr-14253	363	14	stat	stat	NOUN
cblr-14253	363	15	.	.	PUNCT
cblr-14253	364	1	1153	1153	NUM
cblr-14253	364	2	,	,	PUNCT
cblr-14253	364	3	1230	1230	NUM
cblr-14253	364	4	(	(	PUNCT
cblr-14253	364	5	nov	nov	PROPN
cblr-14253	364	6	.	.	PROPN
cblr-14253	364	7	30	30	NUM
cblr-14253	364	8	,	,	PUNCT
cblr-14253	364	9	1983	1983	NUM
cblr-14253	364	10	)	)	PUNCT
cblr-14253	364	11	.	.	PUNCT
cblr-14253	365	1	68	68	NUM
cblr-14253	366	1	i	i	PRON
cblr-14253	366	2	d.	d.	PROPN
cblr-14253	366	3	section	section	PROPN
cblr-14253	366	4	461	461	NUM
cblr-14253	366	5	of	of	ADP
cblr-14253	366	6	the	the	DET
cblr-14253	366	7	created	create	VERB
cblr-14253	366	8	a	a	DET
cblr-14253	366	9	new	new	ADJ
cblr-14253	366	10	exemption	exemption	NOUN
cblr-14253	366	11	for	for	ADP
cblr-14253	366	12	“	"	PUNCT
cblr-14253	366	13	controlled	control	VERB
cblr-14253	366	14	business	business	NOUN
cblr-14253	366	15	arrangements	arrangement	NOUN
cblr-14253	366	16	”	"	PUNCT
cblr-14253	366	17	from	from	ADP
cblr-14253	366	18	the	the	DET
cblr-14253	366	19	ban	ban	NOUN
cblr-14253	366	20	on	on	ADP
cblr-14253	366	21	referral	referral	ADJ
cblr-14253	366	22	fees	fee	NOUN
cblr-14253	366	23	.	.	PUNCT
cblr-14253	367	1	69	69	NUM
cblr-14253	367	2	pub	pub	NOUN
cblr-14253	367	3	.	.	PUNCT
cblr-14253	368	1	l.	l.	PROPN
cblr-14253	368	2	no	no	INTJ
cblr-14253	368	3	.	.	PROPN
cblr-14253	369	1	104	104	NUM
cblr-14253	369	2	-	-	SYM
cblr-14253	369	3	208	208	NUM
cblr-14253	369	4	,	,	PUNCT
cblr-14253	369	5	§	§	PROPN
cblr-14253	369	6	2103(c)–(d	2103(c)–(d	NUM
cblr-14253	369	7	)	)	PUNCT
cblr-14253	369	8	,	,	PUNCT
cblr-14253	369	9	110	110	NUM
cblr-14253	369	10	stat	stat	NOUN
cblr-14253	369	11	.	.	PUNCT
cblr-14253	370	1	3009	3009	NUM
cblr-14253	370	2	(	(	PUNCT
cblr-14253	370	3	sept	sept	PROPN
cblr-14253	370	4	.	.	PROPN
cblr-14253	370	5	30	30	NUM
cblr-14253	370	6	,	,	PUNCT
cblr-14253	370	7	1996	1996	NUM
cblr-14253	370	8	)	)	PUNCT
cblr-14253	370	9	(	(	PUNCT
cblr-14253	370	10	changing	change	VERB
cblr-14253	370	11	the	the	DET
cblr-14253	370	12	word	word	NOUN
cblr-14253	370	13	“	"	PUNCT
cblr-14253	370	14	controlled	control	VERB
cblr-14253	370	15	”	"	PUNCT
cblr-14253	370	16	to	to	ADP
cblr-14253	370	17	“	"	PUNCT
cblr-14253	370	18	affiliated	affiliate	VERB
cblr-14253	370	19	”	"	PUNCT
cblr-14253	370	20	)	)	PUNCT
cblr-14253	370	21	.	.	PUNCT
cblr-14253	371	1	414	414	NUM
cblr-14253	371	2	columbia	columbia	PROPN
cblr-14253	371	3	business	business	NOUN
cblr-14253	371	4	law	law	PROPN
cblr-14253	371	5	review	review	NOUN
cblr-14253	371	6	[	[	X
cblr-14253	371	7	vol	vol	NOUN
cblr-14253	371	8	.	.	PUNCT
cblr-14253	371	9	2025	2025	NUM
cblr-14253	371	10	respa	respa	PROPN
cblr-14253	371	11	’s	’s	PART
cblr-14253	371	12	kickback	kickback	NOUN
cblr-14253	371	13	prohibition	prohibition	NOUN
cblr-14253	371	14	has	have	AUX
cblr-14253	371	15	led	lead	VERB
cblr-14253	371	16	to	to	ADP
cblr-14253	371	17	considerable	considerable	ADJ
cblr-14253	371	18	controversy	controversy	NOUN
cblr-14253	371	19	and	and	CCONJ
cblr-14253	371	20	litigation.70	litigation.70	NOUN
cblr-14253	371	21	because	because	SCONJ
cblr-14253	371	22	affiliated	affiliate	VERB
cblr-14253	371	23	-	-	PUNCT
cblr-14253	371	24	business	business	NOUN
cblr-14253	371	25	arrangements	arrangement	NOUN
cblr-14253	371	26	provide	provide	VERB
cblr-14253	371	27	an	an	DET
cblr-14253	371	28	exclusion	exclusion	NOUN
cblr-14253	371	29	to	to	ADP
cblr-14253	371	30	respa	respa	PROPN
cblr-14253	371	31	’s	’s	PART
cblr-14253	371	32	kickback	kickback	NOUN
cblr-14253	371	33	prohibition	prohibition	NOUN
cblr-14253	371	34	,	,	PUNCT
cblr-14253	371	35	the	the	DET
cblr-14253	371	36	exception	exception	NOUN
cblr-14253	371	37	—	—	PUNCT
cblr-14253	371	38	what	what	PRON
cblr-14253	371	39	it	it	PRON
cblr-14253	371	40	allows	allow	VERB
cblr-14253	371	41	,	,	PUNCT
cblr-14253	371	42	how	how	SCONJ
cblr-14253	371	43	it	it	PRON
cblr-14253	371	44	is	be	AUX
cblr-14253	371	45	enforced	enforce	VERB
cblr-14253	371	46	,	,	PUNCT
cblr-14253	371	47	and	and	CCONJ
cblr-14253	371	48	who	who	PRON
cblr-14253	371	49	can	can	AUX
cblr-14253	371	50	use	use	VERB
cblr-14253	371	51	it	it	PRON
cblr-14253	371	52	—	—	PUNCT
cblr-14253	371	53	has	have	AUX
cblr-14253	371	54	become	become	VERB
cblr-14253	371	55	a	a	DET
cblr-14253	371	56	defining	define	VERB
cblr-14253	371	57	feature	feature	NOUN
cblr-14253	371	58	in	in	ADP
cblr-14253	371	59	the	the	DET
cblr-14253	371	60	way	way	NOUN
cblr-14253	371	61	real	real	ADJ
cblr-14253	371	62	-	-	PUNCT
cblr-14253	371	63	estate	estate	NOUN
cblr-14253	371	64	agents	agent	NOUN
cblr-14253	371	65	,	,	PUNCT
cblr-14253	371	66	title	title	NOUN
cblr-14253	371	67	companies	company	NOUN
cblr-14253	371	68	,	,	PUNCT
cblr-14253	371	69	and	and	CCONJ
cblr-14253	371	70	other	other	ADJ
cblr-14253	371	71	settlementservices	settlementservice	NOUN
cblr-14253	371	72	providers	provider	NOUN
cblr-14253	371	73	serve	serve	VERB
cblr-14253	371	74	consumers	consumer	NOUN
cblr-14253	371	75	seeking	seek	VERB
cblr-14253	371	76	to	to	PART
cblr-14253	371	77	sell	sell	VERB
cblr-14253	371	78	or	or	CCONJ
cblr-14253	371	79	purchase	purchase	VERB
cblr-14253	371	80	a	a	DET
cblr-14253	371	81	home.71	home.71	NOUN
cblr-14253	371	82	as	as	ADP
cblr-14253	371	83	one	one	NUM
cblr-14253	371	84	real	real	ADJ
cblr-14253	371	85	-	-	PUNCT
cblr-14253	371	86	estate	estate	NOUN
cblr-14253	371	87	attorney	attorney	NOUN
cblr-14253	371	88	explained	explain	VERB
cblr-14253	371	89	,	,	PUNCT
cblr-14253	371	90	§	§	PROPN
cblr-14253	371	91	8	8	NUM
cblr-14253	371	92	’s	’s	PART
cblr-14253	371	93	kickback	kickback	NOUN
cblr-14253	371	94	prohibition	prohibition	NOUN
cblr-14253	371	95	,	,	PUNCT
cblr-14253	371	96	and	and	CCONJ
cblr-14253	371	97	the	the	DET
cblr-14253	371	98	affiliated	affiliate	VERB
cblr-14253	371	99	-	-	PUNCT
cblr-14253	371	100	business	business	NOUN
cblr-14253	371	101	-	-	PUNCT
cblr-14253	371	102	arrangement	arrangement	NOUN
cblr-14253	371	103	exception	exception	NOUN
cblr-14253	371	104	,	,	PUNCT
cblr-14253	371	105	is	be	AUX
cblr-14253	371	106	the	the	DET
cblr-14253	371	107	“	"	PUNCT
cblr-14253	371	108	[	[	X
cblr-14253	371	109	m]ost	m]ost	ADV
cblr-14253	371	110	important	important	ADJ
cblr-14253	371	111	and	and	CCONJ
cblr-14253	371	112	most	most	ADV
cblr-14253	371	113	controversial	controversial	ADJ
cblr-14253	371	114	statute	statute	NOUN
cblr-14253	371	115	affecting	affect	VERB
cblr-14253	371	116	the	the	DET
cblr-14253	371	117	settlement	settlement	NOUN
cblr-14253	371	118	service	service	NOUN
cblr-14253	371	119	industry	industry	NOUN
cblr-14253	371	120	.	.	PUNCT
cblr-14253	372	1	”72	”72	VERB
cblr-14253	372	2	the	the	DET
cblr-14253	372	3	combination	combination	NOUN
cblr-14253	372	4	of	of	ADP
cblr-14253	372	5	a	a	DET
cblr-14253	372	6	kickback	kickback	NOUN
cblr-14253	372	7	prohibition	prohibition	NOUN
cblr-14253	372	8	and	and	CCONJ
cblr-14253	372	9	an	an	DET
cblr-14253	372	10	exception	exception	NOUN
cblr-14253	372	11	for	for	ADP
cblr-14253	372	12	affiliated	affiliate	VERB
cblr-14253	372	13	-	-	PUNCT
cblr-14253	372	14	business	business	NOUN
cblr-14253	372	15	arrangements	arrangement	NOUN
cblr-14253	372	16	has	have	AUX
cblr-14253	372	17	led	lead	VERB
cblr-14253	372	18	to	to	ADP
cblr-14253	372	19	years	year	NOUN
cblr-14253	372	20	of	of	ADP
cblr-14253	372	21	technical	technical	ADJ
cblr-14253	372	22	and	and	CCONJ
cblr-14253	372	23	nuanced	nuanced	ADJ
cblr-14253	372	24	regulatory	regulatory	ADJ
cblr-14253	372	25	guidance	guidance	NOUN
cblr-14253	372	26	and	and	CCONJ
cblr-14253	372	27	litigation	litigation	NOUN
cblr-14253	372	28	about	about	ADP
cblr-14253	372	29	what	what	PRON
cblr-14253	372	30	practices	practice	NOUN
cblr-14253	372	31	are	be	AUX
cblr-14253	372	32	permissible.73	permissible.73	ADJ
cblr-14253	372	33	two	two	NUM
cblr-14253	372	34	examples	example	NOUN
cblr-14253	372	35	of	of	ADP
cblr-14253	372	36	potentially	potentially	ADV
cblr-14253	372	37	illegal	illegal	ADJ
cblr-14253	372	38	settlement	settlement	NOUN
cblr-14253	372	39	practices	practice	NOUN
cblr-14253	372	40	provide	provide	VERB
cblr-14253	372	41	a	a	DET
cblr-14253	372	42	useful	useful	ADJ
cblr-14253	372	43	preface	preface	NOUN
cblr-14253	372	44	to	to	ADP
cblr-14253	372	45	our	our	PRON
cblr-14253	372	46	discussion	discussion	NOUN
cblr-14253	372	47	of	of	ADP
cblr-14253	372	48	discounted	discount	VERB
cblr-14253	372	49	joint	joint	ADJ
cblr-14253	372	50	ventures	venture	NOUN
cblr-14253	372	51	.	.	PUNCT
cblr-14253	373	1	first	first	ADV
cblr-14253	373	2	,	,	PUNCT
cblr-14253	373	3	settlement	settlement	NOUN
cblr-14253	373	4	-	-	PUNCT
cblr-14253	373	5	services	service	NOUN
cblr-14253	373	6	providers	provider	NOUN
cblr-14253	373	7	have	have	AUX
cblr-14253	373	8	tried	try	VERB
cblr-14253	373	9	to	to	PART
cblr-14253	373	10	circumvent	circumvent	VERB
cblr-14253	373	11	respa	respa	NOUN
cblr-14253	373	12	with	with	ADP
cblr-14253	373	13	“	"	PUNCT
cblr-14253	373	14	sham	sham	ADJ
cblr-14253	373	15	”	"	PUNCT
cblr-14253	373	16	businesses	business	NOUN
cblr-14253	373	17	.	.	PUNCT
cblr-14253	374	1	in	in	ADP
cblr-14253	374	2	these	these	DET
cblr-14253	374	3	cases	case	NOUN
cblr-14253	374	4	,	,	PUNCT
cblr-14253	374	5	70	70	NUM
cblr-14253	374	6	see	see	VERB
cblr-14253	374	7	,	,	PUNCT
cblr-14253	374	8	e.g.	e.g.	ADV
cblr-14253	374	9	,	,	PUNCT
cblr-14253	374	10	glenn	glenn	PROPN
cblr-14253	374	11	j.	j.	PROPN
cblr-14253	374	12	kalinoski	kalinoski	PROPN
cblr-14253	374	13	,	,	PUNCT
cblr-14253	374	14	affiliated	affiliated	ADJ
cblr-14253	374	15	business	business	NOUN
cblr-14253	374	16	arrangements	arrangement	NOUN
cblr-14253	374	17	cause	cause	VERB
cblr-14253	374	18	for	for	ADP
cblr-14253	374	19	concern	concern	NOUN
cblr-14253	374	20	,	,	PUNCT
cblr-14253	374	21	origination	origination	NOUN
cblr-14253	374	22	news	news	NOUN
cblr-14253	374	23	,	,	PUNCT
cblr-14253	374	24	june	june	PROPN
cblr-14253	374	25	1	1	NUM
cblr-14253	374	26	,	,	PUNCT
cblr-14253	374	27	1997	1997	NUM
cblr-14253	374	28	,	,	PUNCT
cblr-14253	374	29	at	at	ADP
cblr-14253	374	30	20	20	NUM
cblr-14253	374	31	(	(	PUNCT
cblr-14253	374	32	listing	list	VERB
cblr-14253	374	33	unsettled	unsettled	ADJ
cblr-14253	374	34	questions	question	NOUN
cblr-14253	374	35	considered	consider	VERB
cblr-14253	374	36	when	when	SCONJ
cblr-14253	374	37	applying	apply	VERB
cblr-14253	374	38	the	the	DET
cblr-14253	374	39	business	business	NOUN
cblr-14253	374	40	arrangement	arrangement	NOUN
cblr-14253	374	41	exception	exception	NOUN
cblr-14253	374	42	)	)	PUNCT
cblr-14253	374	43	.	.	PUNCT
cblr-14253	375	1	71	71	NUM
cblr-14253	375	2	nicholas	nicholas	PROPN
cblr-14253	375	3	mcguire	mcguire	PROPN
cblr-14253	375	4	,	,	PUNCT
cblr-14253	375	5	respa	respa	PROPN
cblr-14253	375	6	update	update	NOUN
cblr-14253	375	7	:	:	PUNCT
cblr-14253	375	8	how	how	SCONJ
cblr-14253	375	9	homebuilders	homebuilder	NOUN
cblr-14253	375	10	blocked	block	VERB
cblr-14253	375	11	hud	hud	PROPN
cblr-14253	375	12	's	's	PART
cblr-14253	375	13	recent	recent	ADJ
cblr-14253	375	14	effort	effort	NOUN
cblr-14253	375	15	to	to	PART
cblr-14253	375	16	reform	reform	VERB
cblr-14253	375	17	respa	respa	NOUN
cblr-14253	375	18	and	and	CCONJ
cblr-14253	375	19	regulate	regulate	VERB
cblr-14253	375	20	affiliated	affiliated	ADJ
cblr-14253	375	21	business	business	NOUN
cblr-14253	375	22	arrangements	arrangement	NOUN
cblr-14253	375	23	,	,	PUNCT
cblr-14253	375	24	61	61	NUM
cblr-14253	375	25	admin	admin	ADJ
cblr-14253	375	26	.	.	PUNCT
cblr-14253	376	1	l.	l.	PROPN
cblr-14253	376	2	rev	rev	PROPN
cblr-14253	376	3	.	.	PROPN
cblr-14253	376	4	893	893	NUM
cblr-14253	376	5	,	,	PUNCT
cblr-14253	376	6	896–97	896–97	NUM
cblr-14253	376	7	(	(	PUNCT
cblr-14253	376	8	2009	2009	NUM
cblr-14253	376	9	)	)	PUNCT
cblr-14253	376	10	(	(	PUNCT
cblr-14253	376	11	explaining	explain	VERB
cblr-14253	376	12	the	the	DET
cblr-14253	376	13	“	"	PUNCT
cblr-14253	376	14	longstanding	longstanding	ADJ
cblr-14253	376	15	and	and	CCONJ
cblr-14253	376	16	widespread	widespread	ADJ
cblr-14253	376	17	usage	usage	NOUN
cblr-14253	376	18	”	"	PUNCT
cblr-14253	376	19	of	of	ADP
cblr-14253	376	20	affiliated	affiliate	VERB
cblr-14253	376	21	business	business	NOUN
cblr-14253	376	22	arrangements	arrangement	NOUN
cblr-14253	376	23	since	since	SCONJ
cblr-14253	376	24	1980s	1980s	NUM
cblr-14253	376	25	)	)	PUNCT
cblr-14253	376	26	.	.	PUNCT
cblr-14253	377	1	72	72	NUM
cblr-14253	377	2	holly	holly	PROPN
cblr-14253	377	3	s.	s.	PROPN
cblr-14253	377	4	bunting	bunting	PROPN
cblr-14253	377	5	,	,	PUNCT
cblr-14253	377	6	how	how	SCONJ
cblr-14253	377	7	to	to	PART
cblr-14253	377	8	set	set	VERB
cblr-14253	377	9	up	up	ADP
cblr-14253	377	10	a	a	DET
cblr-14253	377	11	compliant	compliant	ADJ
cblr-14253	377	12	joint	joint	ADJ
cblr-14253	377	13	venture	venture	NOUN
cblr-14253	377	14	or	or	CCONJ
cblr-14253	377	15	msa	msa	PROPN
cblr-14253	377	16	,	,	PUNCT
cblr-14253	377	17	am	be	AUX
cblr-14253	377	18	.	.	PUNCT
cblr-14253	377	19	land	land	NOUN
cblr-14253	377	20	title	title	NOUN
cblr-14253	377	21	ass’n	ass’n	PROPN
cblr-14253	377	22	(	(	PUNCT
cblr-14253	377	23	may	may	PROPN
cblr-14253	377	24	12	12	NUM
cblr-14253	377	25	,	,	PUNCT
cblr-14253	377	26	2021	2021	NUM
cblr-14253	377	27	)	)	PUNCT
cblr-14253	377	28	,	,	PUNCT
cblr-14253	377	29	https://www.alta.org/file.cfm?name=how-to-set-up-a-compliant-jointventure-or-msa	https://www.alta.org/file.cfm?name=how-to-set-up-a-compliant-jointventure-or-msa	X
cblr-14253	377	30	[	[	X
cblr-14253	377	31	https://perma.cc/3kxm-5egx	https://perma.cc/3kxm-5egx	X
cblr-14253	377	32	]	]	X
cblr-14253	377	33	.	.	PUNCT
cblr-14253	378	1	73	73	NUM
cblr-14253	378	2	for	for	ADP
cblr-14253	378	3	example	example	NOUN
cblr-14253	378	4	,	,	PUNCT
cblr-14253	378	5	hud	hud	PROPN
cblr-14253	378	6	issued	issue	VERB
cblr-14253	378	7	several	several	ADJ
cblr-14253	378	8	policy	policy	NOUN
cblr-14253	378	9	statements	statement	NOUN
cblr-14253	378	10	to	to	PART
cblr-14253	378	11	assist	assist	VERB
cblr-14253	378	12	public	public	ADJ
cblr-14253	378	13	and	and	CCONJ
cblr-14253	378	14	the	the	DET
cblr-14253	378	15	courts	court	NOUN
cblr-14253	378	16	in	in	ADP
cblr-14253	378	17	resolving	resolve	VERB
cblr-14253	378	18	section	section	NOUN
cblr-14253	378	19	8	8	NUM
cblr-14253	378	20	compliance	compliance	NOUN
cblr-14253	378	21	issues	issue	NOUN
cblr-14253	378	22	.	.	PUNCT
cblr-14253	379	1	see	see	VERB
cblr-14253	379	2	,	,	PUNCT
cblr-14253	379	3	e.g.	e.g.	ADV
cblr-14253	379	4	,	,	PUNCT
cblr-14253	379	5	real	real	ADJ
cblr-14253	379	6	estate	estate	NOUN
cblr-14253	379	7	settlement	settlement	NOUN
cblr-14253	379	8	procedures	procedure	NOUN
cblr-14253	379	9	act	act	VERB
cblr-14253	379	10	statement	statement	NOUN
cblr-14253	379	11	of	of	ADP
cblr-14253	379	12	policy	policy	NOUN
cblr-14253	379	13	2001	2001	NUM
cblr-14253	379	14	-	-	SYM
cblr-14253	379	15	1	1	NUM
cblr-14253	379	16	:	:	PUNCT
cblr-14253	379	17	clarification	clarification	NOUN
cblr-14253	379	18	of	of	ADP
cblr-14253	379	19	statement	statement	NOUN
cblr-14253	379	20	of	of	ADP
cblr-14253	379	21	policy	policy	NOUN
cblr-14253	379	22	1999	1999	NUM
cblr-14253	379	23	-	-	SYM
cblr-14253	379	24	1	1	NUM
cblr-14253	379	25	regarding	regard	VERB
cblr-14253	379	26	lender	lender	NOUN
cblr-14253	379	27	payments	payment	NOUN
cblr-14253	379	28	to	to	ADP
cblr-14253	379	29	mortgage	mortgage	NOUN
cblr-14253	379	30	brokers	broker	NOUN
cblr-14253	379	31	,	,	PUNCT
cblr-14253	379	32	and	and	CCONJ
cblr-14253	379	33	guidance	guidance	NOUN
cblr-14253	379	34	concerning	concern	VERB
cblr-14253	379	35	unearned	unearned	ADJ
cblr-14253	379	36	fees	fee	NOUN
cblr-14253	379	37	under	under	ADP
cblr-14253	379	38	section	section	NOUN
cblr-14253	379	39	8(b	8(b	NUM
cblr-14253	379	40	)	)	PUNCT
cblr-14253	379	41	,	,	PUNCT
cblr-14253	379	42	66	66	NUM
cblr-14253	379	43	fed	fed	PROPN
cblr-14253	379	44	.	.	PUNCT
cblr-14253	380	1	reg	reg	PROPN
cblr-14253	380	2	.	.	PUNCT
cblr-14253	381	1	53052	53052	NUM
cblr-14253	381	2	(	(	PUNCT
cblr-14253	381	3	oct	oct	PROPN
cblr-14253	381	4	.	.	PROPN
cblr-14253	381	5	18	18	NUM
cblr-14253	381	6	,	,	PUNCT
cblr-14253	381	7	2001	2001	NUM
cblr-14253	381	8	)	)	PUNCT
cblr-14253	381	9	;	;	PUNCT
cblr-14253	382	1	statement	statement	NOUN
cblr-14253	382	2	of	of	ADP
cblr-14253	382	3	policy	policy	NOUN
cblr-14253	382	4	1996	1996	NUM
cblr-14253	382	5	-	-	SYM
cblr-14253	382	6	1	1	NUM
cblr-14253	382	7	,	,	PUNCT
cblr-14253	382	8	regarding	regard	VERB
cblr-14253	382	9	computer	computer	NOUN
cblr-14253	382	10	loan	loan	NOUN
cblr-14253	382	11	origination	origination	NOUN
cblr-14253	382	12	systems	system	NOUN
cblr-14253	382	13	(	(	PUNCT
cblr-14253	382	14	clos	clo	NOUN
cblr-14253	382	15	)	)	PUNCT
cblr-14253	382	16	,	,	PUNCT
cblr-14253	382	17	61	61	NUM
cblr-14253	382	18	fed	feed	VERB
cblr-14253	382	19	.	.	PUNCT
cblr-14253	383	1	reg	reg	PROPN
cblr-14253	383	2	.	.	PUNCT
cblr-14253	384	1	29255	29255	NUM
cblr-14253	384	2	(	(	PUNCT
cblr-14253	384	3	june	june	PROPN
cblr-14253	384	4	7	7	NUM
cblr-14253	384	5	,	,	PUNCT
cblr-14253	384	6	1996	1996	NUM
cblr-14253	384	7	)	)	PUNCT
cblr-14253	384	8	(	(	PUNCT
cblr-14253	384	9	guidance	guidance	NOUN
cblr-14253	384	10	on	on	ADP
cblr-14253	384	11	compliance	compliance	NOUN
cblr-14253	384	12	issues	issue	NOUN
cblr-14253	384	13	in	in	ADP
cblr-14253	384	14	transition	transition	NOUN
cblr-14253	384	15	to	to	ADP
cblr-14253	384	16	digital	digital	ADJ
cblr-14253	384	17	mortgage	mortgage	NOUN
cblr-14253	384	18	loan	loan	NOUN
cblr-14253	384	19	origination	origination	NOUN
cblr-14253	384	20	systems	system	NOUN
cblr-14253	384	21	)	)	PUNCT
cblr-14253	384	22	;	;	PUNCT
cblr-14253	384	23	statement	statement	NOUN
cblr-14253	384	24	of	of	ADP
cblr-14253	384	25	policy	policy	NOUN
cblr-14253	384	26	1996	1996	NUM
cblr-14253	384	27	-	-	SYM
cblr-14253	384	28	2	2	NUM
cblr-14253	384	29	,	,	PUNCT
cblr-14253	384	30	regarding	regard	VERB
cblr-14253	384	31	sham	sham	PROPN
cblr-14253	384	32	controlled	control	VERB
cblr-14253	384	33	business	business	NOUN
cblr-14253	384	34	arrangements	arrangement	NOUN
cblr-14253	384	35	,	,	PUNCT
cblr-14253	384	36	61	61	NUM
cblr-14253	384	37	fed	feed	VERB
cblr-14253	384	38	.	.	PUNCT
cblr-14253	385	1	reg	reg	PROPN
cblr-14253	385	2	.	.	PUNCT
cblr-14253	386	1	29258	29258	NUM
cblr-14253	386	2	(	(	PUNCT
cblr-14253	386	3	june	june	PROPN
cblr-14253	386	4	7	7	NUM
cblr-14253	386	5	,	,	PUNCT
cblr-14253	386	6	1996	1996	NUM
cblr-14253	386	7	)	)	PUNCT
cblr-14253	386	8	.	.	PUNCT
cblr-14253	387	1	no	no	INTJ
cblr-14253	387	2	.	.	NOUN
cblr-14253	388	1	1	1	NUM
cblr-14253	388	2	]	]	PUNCT
cblr-14253	388	3	corrupt	corrupt	ADJ
cblr-14253	388	4	joint	joint	ADJ
cblr-14253	388	5	ventures	venture	NOUN
cblr-14253	388	6	415	415	NUM
cblr-14253	388	7	consumer	consumer	NOUN
cblr-14253	388	8	advocates	advocate	NOUN
cblr-14253	388	9	have	have	AUX
cblr-14253	388	10	argued	argue	VERB
cblr-14253	388	11	that	that	SCONJ
cblr-14253	388	12	the	the	DET
cblr-14253	388	13	settlement	settlement	NOUN
cblr-14253	388	14	businesses	business	NOUN
cblr-14253	388	15	created	create	VERB
cblr-14253	388	16	an	an	DET
cblr-14253	388	17	empty	empty	ADJ
cblr-14253	388	18	shell	shell	ADJ
cblr-14253	388	19	company	company	NOUN
cblr-14253	388	20	that	that	PRON
cblr-14253	388	21	purports	purport	VERB
cblr-14253	388	22	to	to	PART
cblr-14253	388	23	be	be	AUX
cblr-14253	388	24	an	an	DET
cblr-14253	388	25	affiliated	affiliate	VERB
cblr-14253	388	26	-	-	PUNCT
cblr-14253	388	27	business	business	NOUN
cblr-14253	388	28	arrangement	arrangement	NOUN
cblr-14253	388	29	but	but	CCONJ
cblr-14253	388	30	,	,	PUNCT
cblr-14253	388	31	in	in	ADP
cblr-14253	388	32	fact	fact	NOUN
cblr-14253	388	33	,	,	PUNCT
cblr-14253	388	34	does	do	AUX
cblr-14253	388	35	not	not	PART
cblr-14253	388	36	provide	provide	VERB
cblr-14253	388	37	any	any	DET
cblr-14253	388	38	settlement	settlement	NOUN
cblr-14253	388	39	services.74	services.74	VERB
cblr-14253	388	40	in	in	ADP
cblr-14253	388	41	a	a	DET
cblr-14253	388	42	sham	sham	ADJ
cblr-14253	388	43	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	388	44	arrangement	arrangement	NOUN
cblr-14253	388	45	,	,	PUNCT
cblr-14253	388	46	the	the	DET
cblr-14253	388	47	pre	pre	ADJ
cblr-14253	388	48	-	-	ADJ
cblr-14253	388	49	existing	exist	VERB
cblr-14253	388	50	,	,	PUNCT
cblr-14253	388	51	established	establish	VERB
cblr-14253	388	52	settlement	settlement	NOUN
cblr-14253	388	53	business	business	NOUN
cblr-14253	388	54	continues	continue	VERB
cblr-14253	388	55	to	to	PART
cblr-14253	388	56	perform	perform	VERB
cblr-14253	388	57	its	its	PRON
cblr-14253	388	58	normal	normal	ADJ
cblr-14253	388	59	role	role	NOUN
cblr-14253	388	60	.	.	PUNCT
cblr-14253	389	1	referral	referral	ADJ
cblr-14253	389	2	payments	payment	NOUN
cblr-14253	389	3	are	be	AUX
cblr-14253	389	4	disguised	disguise	VERB
cblr-14253	389	5	as	as	ADP
cblr-14253	389	6	dividends	dividend	NOUN
cblr-14253	389	7	from	from	ADP
cblr-14253	389	8	an	an	DET
cblr-14253	389	9	affiliated	affiliate	VERB
cblr-14253	389	10	-	-	PUNCT
cblr-14253	389	11	business	business	NOUN
cblr-14253	389	12	arrangement	arrangement	NOUN
cblr-14253	389	13	that	that	PRON
cblr-14253	389	14	does	do	AUX
cblr-14253	389	15	n’t	not	PART
cblr-14253	389	16	actually	actually	ADV
cblr-14253	389	17	do	do	VERB
cblr-14253	389	18	anything	anything	PRON
cblr-14253	389	19	except	except	SCONJ
cblr-14253	389	20	store	store	NOUN
cblr-14253	389	21	profits	profit	NOUN
cblr-14253	389	22	and	and	CCONJ
cblr-14253	389	23	distribute	distribute	VERB
cblr-14253	389	24	them	they	PRON
cblr-14253	389	25	to	to	ADP
cblr-14253	389	26	its	its	PRON
cblr-14253	389	27	members	member	NOUN
cblr-14253	389	28	.	.	PUNCT
cblr-14253	390	1	in	in	ADP
cblr-14253	390	2	the	the	DET
cblr-14253	390	3	1990s	1990s	NUM
cblr-14253	390	4	,	,	PUNCT
cblr-14253	390	5	sham	sham	ADJ
cblr-14253	390	6	affiliated	affiliate	VERB
cblr-14253	390	7	-	-	PUNCT
cblr-14253	390	8	business	business	NOUN
cblr-14253	390	9	arrangements	arrangement	NOUN
cblr-14253	390	10	became	become	VERB
cblr-14253	390	11	so	so	ADV
cblr-14253	390	12	common	common	ADJ
cblr-14253	390	13	that	that	SCONJ
cblr-14253	390	14	hud	hud	PROPN
cblr-14253	390	15	issued	issue	VERB
cblr-14253	390	16	a	a	DET
cblr-14253	390	17	policy	policy	NOUN
cblr-14253	390	18	statement	statement	NOUN
cblr-14253	390	19	identifying	identify	VERB
cblr-14253	390	20	ten	ten	NUM
cblr-14253	390	21	factors	factor	NOUN
cblr-14253	390	22	to	to	PART
cblr-14253	390	23	help	help	AUX
cblr-14253	390	24	clarify	clarify	VERB
cblr-14253	390	25	whether	whether	SCONJ
cblr-14253	390	26	an	an	DET
cblr-14253	390	27	affiliated	affiliate	VERB
cblr-14253	390	28	-	-	PUNCT
cblr-14253	390	29	business	business	NOUN
cblr-14253	390	30	arrangement	arrangement	NOUN
cblr-14253	390	31	is	be	AUX
cblr-14253	390	32	the	the	DET
cblr-14253	390	33	actual	actual	ADJ
cblr-14253	390	34	provider	provider	NOUN
cblr-14253	390	35	of	of	ADP
cblr-14253	390	36	a	a	DET
cblr-14253	390	37	settlement	settlement	NOUN
cblr-14253	390	38	service.75	service.75	NOUN
cblr-14253	390	39	phrased	phrase	VERB
cblr-14253	390	40	as	as	ADP
cblr-14253	390	41	questions	question	NOUN
cblr-14253	390	42	,	,	PUNCT
cblr-14253	390	43	hud	hud	PROPN
cblr-14253	390	44	’s	’s	PART
cblr-14253	390	45	queries	query	NOUN
cblr-14253	390	46	included	include	VERB
cblr-14253	390	47	whether	whether	SCONJ
cblr-14253	390	48	the	the	DET
cblr-14253	390	49	purported	purport	VERB
cblr-14253	390	50	business	business	NOUN
cblr-14253	390	51	actually	actually	ADV
cblr-14253	390	52	has	have	VERB
cblr-14253	390	53	capital	capital	NOUN
cblr-14253	390	54	,	,	PUNCT
cblr-14253	390	55	whether	whether	SCONJ
cblr-14253	390	56	it	it	PRON
cblr-14253	390	57	uses	use	VERB
cblr-14253	390	58	its	its	PRON
cblr-14253	390	59	own	own	ADJ
cblr-14253	390	60	employees	employee	NOUN
cblr-14253	390	61	,	,	PUNCT
cblr-14253	390	62	whether	whether	SCONJ
cblr-14253	390	63	it	it	PRON
cblr-14253	390	64	has	have	VERB
cblr-14253	390	65	its	its	PRON
cblr-14253	390	66	own	own	ADJ
cblr-14253	390	67	management	management	NOUN
cblr-14253	390	68	,	,	PUNCT
cblr-14253	390	69	and	and	CCONJ
cblr-14253	390	70	whether	whether	SCONJ
cblr-14253	390	71	the	the	DET
cblr-14253	390	72	affiliated	affiliated	ADJ
cblr-14253	390	73	entity	entity	NOUN
cblr-14253	390	74	is	be	AUX
cblr-14253	390	75	located	locate	VERB
cblr-14253	390	76	at	at	ADP
cblr-14253	390	77	its	its	PRON
cblr-14253	390	78	own	own	ADJ
cblr-14253	390	79	place	place	NOUN
cblr-14253	390	80	of	of	ADP
cblr-14253	390	81	business.76	business.76	PROPN
cblr-14253	390	82	74	74	NUM
cblr-14253	390	83	see	see	VERB
cblr-14253	390	84	,	,	PUNCT
cblr-14253	390	85	e.g.	e.g.	ADV
cblr-14253	390	86	,	,	PUNCT
cblr-14253	390	87	benway	benway	NOUN
cblr-14253	390	88	v.	v.	ADP
cblr-14253	390	89	res	re	NOUN
cblr-14253	390	90	.	.	PUNCT
cblr-14253	391	1	real	real	ADJ
cblr-14253	391	2	est	est	X
cblr-14253	391	3	.	.	PUNCT
cblr-14253	392	1	servs	servs	PROPN
cblr-14253	392	2	.	.	PROPN
cblr-14253	392	3	,	,	PUNCT
cblr-14253	392	4	llc	llc	PROPN
cblr-14253	392	5	,	,	PUNCT
cblr-14253	392	6	239	239	NUM
cblr-14253	392	7	f.r.d	f.r.d	NOUN
cblr-14253	392	8	.	.	PROPN
cblr-14253	392	9	419	419	NUM
cblr-14253	392	10	,	,	PUNCT
cblr-14253	392	11	423	423	NUM
cblr-14253	392	12	(	(	PUNCT
cblr-14253	392	13	d.	d.	PROPN
cblr-14253	392	14	md	md	PROPN
cblr-14253	392	15	.	.	PROPN
cblr-14253	392	16	2006	2006	NUM
cblr-14253	392	17	)	)	PUNCT
cblr-14253	392	18	(	(	PUNCT
cblr-14253	392	19	granting	grant	VERB
cblr-14253	392	20	a	a	DET
cblr-14253	392	21	motion	motion	NOUN
cblr-14253	392	22	to	to	PART
cblr-14253	392	23	certify	certify	VERB
cblr-14253	392	24	respa	respa	NOUN
cblr-14253	392	25	section	section	NOUN
cblr-14253	392	26	8	8	NUM
cblr-14253	392	27	class	class	NOUN
cblr-14253	392	28	action	action	NOUN
cblr-14253	392	29	against	against	ADP
cblr-14253	392	30	an	an	DET
cblr-14253	392	31	alleged	allege	VERB
cblr-14253	392	32	sham	sham	ADJ
cblr-14253	392	33	affiliated	affiliate	VERB
cblr-14253	392	34	business	business	NOUN
cblr-14253	392	35	arrangement	arrangement	NOUN
cblr-14253	392	36	)	)	PUNCT
cblr-14253	392	37	.	.	PUNCT
cblr-14253	393	1	75	75	NUM
cblr-14253	393	2	statement	statement	NOUN
cblr-14253	393	3	of	of	ADP
cblr-14253	393	4	policy	policy	NOUN
cblr-14253	393	5	1996	1996	NUM
cblr-14253	393	6	-	-	SYM
cblr-14253	393	7	2	2	NUM
cblr-14253	393	8	,	,	PUNCT
cblr-14253	393	9	regarding	regard	VERB
cblr-14253	393	10	sham	sham	PROPN
cblr-14253	393	11	controlled	control	VERB
cblr-14253	393	12	business	business	NOUN
cblr-14253	393	13	arrangements	arrangement	NOUN
cblr-14253	393	14	,	,	PUNCT
cblr-14253	393	15	61	61	NUM
cblr-14253	393	16	fed	feed	VERB
cblr-14253	393	17	.	.	PUNCT
cblr-14253	394	1	reg	reg	PROPN
cblr-14253	394	2	.	.	PROPN
cblr-14253	394	3	29258	29258	NUM
cblr-14253	394	4	,	,	PUNCT
cblr-14253	394	5	29262	29262	NUM
cblr-14253	394	6	(	(	PUNCT
cblr-14253	394	7	june	june	PROPN
cblr-14253	394	8	7	7	NUM
cblr-14253	394	9	,	,	PUNCT
cblr-14253	394	10	1996	1996	NUM
cblr-14253	394	11	)	)	PUNCT
cblr-14253	394	12	.	.	PUNCT
cblr-14253	395	1	76	76	NUM
cblr-14253	396	1	i	i	PRON
cblr-14253	396	2	d.	d.	PROPN
cblr-14253	396	3	in	in	ADP
cblr-14253	396	4	the	the	DET
cblr-14253	396	5	policy	policy	NOUN
cblr-14253	396	6	statement	statement	NOUN
cblr-14253	396	7	,	,	PUNCT
cblr-14253	396	8	hud	hud	PROPN
cblr-14253	396	9	explained	explain	VERB
cblr-14253	396	10	that	that	SCONJ
cblr-14253	396	11	it	it	PRON
cblr-14253	396	12	would	would	AUX
cblr-14253	396	13	“	"	PUNCT
cblr-14253	396	14	consider	consider	VERB
cblr-14253	396	15	the	the	DET
cblr-14253	396	16	following	follow	VERB
cblr-14253	396	17	factors	factor	NOUN
cblr-14253	396	18	”	"	PUNCT
cblr-14253	396	19	and	and	CCONJ
cblr-14253	396	20	“	"	PUNCT
cblr-14253	396	21	weigh	weigh	VERB
cblr-14253	396	22	them	they	PRON
cblr-14253	396	23	in	in	ADP
cblr-14253	396	24	light	light	NOUN
cblr-14253	396	25	of	of	ADP
cblr-14253	396	26	the	the	DET
cblr-14253	396	27	specific	specific	ADJ
cblr-14253	396	28	facts	fact	NOUN
cblr-14253	396	29	in	in	ADP
cblr-14253	396	30	determining	determine	VERB
cblr-14253	396	31	whether	whether	SCONJ
cblr-14253	396	32	an	an	DET
cblr-14253	396	33	entity	entity	NOUN
cblr-14253	396	34	is	be	AUX
cblr-14253	396	35	a	a	DET
cblr-14253	396	36	bona	bona	ADJ
cblr-14253	396	37	fide	fide	ADJ
cblr-14253	396	38	provider	provider	NOUN
cblr-14253	396	39	”	"	PUNCT
cblr-14253	396	40	:	:	PUNCT
cblr-14253	396	41	(	(	PUNCT
cblr-14253	396	42	1	1	X
cblr-14253	396	43	)	)	PUNCT
cblr-14253	396	44	does	do	AUX
cblr-14253	396	45	the	the	DET
cblr-14253	396	46	new	new	ADJ
cblr-14253	396	47	entity	entity	NOUN
cblr-14253	396	48	have	have	VERB
cblr-14253	396	49	sufficient	sufficient	ADJ
cblr-14253	396	50	initial	initial	ADJ
cblr-14253	396	51	capital	capital	NOUN
cblr-14253	396	52	and	and	CCONJ
cblr-14253	396	53	net	net	ADJ
cblr-14253	396	54	worth	worth	NOUN
cblr-14253	396	55	,	,	PUNCT
cblr-14253	396	56	typical	typical	ADJ
cblr-14253	396	57	in	in	ADP
cblr-14253	396	58	the	the	DET
cblr-14253	396	59	industry	industry	NOUN
cblr-14253	396	60	,	,	PUNCT
cblr-14253	396	61	to	to	PART
cblr-14253	396	62	conduct	conduct	VERB
cblr-14253	396	63	the	the	DET
cblr-14253	396	64	settlement	settlement	NOUN
cblr-14253	396	65	service	service	NOUN
cblr-14253	396	66	business	business	NOUN
cblr-14253	396	67	for	for	ADP
cblr-14253	396	68	which	which	PRON
cblr-14253	396	69	it	it	PRON
cblr-14253	396	70	was	be	AUX
cblr-14253	396	71	created	create	VERB
cblr-14253	396	72	?	?	PUNCT
cblr-14253	397	1	or	or	CCONJ
cblr-14253	397	2	is	be	AUX
cblr-14253	397	3	it	it	PRON
cblr-14253	397	4	undercapitalized	undercapitalized	ADJ
cblr-14253	397	5	to	to	PART
cblr-14253	397	6	do	do	VERB
cblr-14253	397	7	the	the	DET
cblr-14253	397	8	work	work	NOUN
cblr-14253	397	9	it	it	PRON
cblr-14253	397	10	purports	purport	VERB
cblr-14253	397	11	to	to	PART
cblr-14253	397	12	provide	provide	VERB
cblr-14253	397	13	?	?	PUNCT
cblr-14253	398	1	(	(	PUNCT
cblr-14253	398	2	2	2	X
cblr-14253	398	3	)	)	PUNCT
cblr-14253	398	4	is	be	AUX
cblr-14253	398	5	the	the	DET
cblr-14253	398	6	new	new	ADJ
cblr-14253	398	7	entity	entity	NOUN
cblr-14253	398	8	staffed	staff	VERB
cblr-14253	398	9	with	with	ADP
cblr-14253	398	10	its	its	PRON
cblr-14253	398	11	own	own	ADJ
cblr-14253	398	12	employees	employee	NOUN
cblr-14253	398	13	to	to	PART
cblr-14253	398	14	perform	perform	VERB
cblr-14253	398	15	the	the	DET
cblr-14253	398	16	services	service	NOUN
cblr-14253	398	17	it	it	PRON
cblr-14253	398	18	provides	provide	VERB
cblr-14253	398	19	?	?	PUNCT
cblr-14253	398	20	or	or	CCONJ
cblr-14253	398	21	does	do	AUX
cblr-14253	398	22	the	the	DET
cblr-14253	398	23	new	new	ADJ
cblr-14253	398	24	entity	entity	NOUN
cblr-14253	398	25	have	have	AUX
cblr-14253	398	26	“	"	PUNCT
cblr-14253	398	27	loaned	loan	VERB
cblr-14253	398	28	”	"	PUNCT
cblr-14253	398	29	employees	employee	NOUN
cblr-14253	398	30	of	of	ADP
cblr-14253	398	31	one	one	NUM
cblr-14253	398	32	of	of	ADP
cblr-14253	398	33	the	the	DET
cblr-14253	398	34	parent	parent	NOUN
cblr-14253	398	35	providers	provider	NOUN
cblr-14253	398	36	?	?	PUNCT
cblr-14253	399	1	(	(	PUNCT
cblr-14253	399	2	3	3	X
cblr-14253	399	3	)	)	PUNCT
cblr-14253	399	4	does	do	AUX
cblr-14253	399	5	the	the	DET
cblr-14253	399	6	new	new	ADJ
cblr-14253	399	7	entity	entity	NOUN
cblr-14253	399	8	manage	manage	VERB
cblr-14253	399	9	its	its	PRON
cblr-14253	399	10	own	own	ADJ
cblr-14253	399	11	business	business	NOUN
cblr-14253	399	12	affairs	affair	NOUN
cblr-14253	399	13	?	?	PUNCT
cblr-14253	399	14	or	or	CCONJ
cblr-14253	399	15	is	be	AUX
cblr-14253	399	16	an	an	DET
cblr-14253	399	17	entity	entity	NOUN
cblr-14253	399	18	that	that	PRON
cblr-14253	399	19	helped	help	VERB
cblr-14253	399	20	create	create	VERB
cblr-14253	399	21	the	the	DET
cblr-14253	399	22	new	new	ADJ
cblr-14253	399	23	entity	entity	NOUN
cblr-14253	399	24	running	run	VERB
cblr-14253	399	25	the	the	DET
cblr-14253	399	26	new	new	ADJ
cblr-14253	399	27	entity	entity	NOUN
cblr-14253	399	28	for	for	ADP
cblr-14253	399	29	the	the	DET
cblr-14253	399	30	parent	parent	NOUN
cblr-14253	399	31	provider	provider	NOUN
cblr-14253	399	32	making	make	VERB
cblr-14253	399	33	the	the	DET
cblr-14253	399	34	referrals	referral	NOUN
cblr-14253	399	35	?	?	PUNCT
cblr-14253	400	1	(	(	PUNCT
cblr-14253	400	2	4	4	X
cblr-14253	400	3	)	)	PUNCT
cblr-14253	400	4	does	do	AUX
cblr-14253	400	5	the	the	DET
cblr-14253	400	6	new	new	ADJ
cblr-14253	400	7	entity	entity	NOUN
cblr-14253	400	8	have	have	VERB
cblr-14253	400	9	an	an	DET
cblr-14253	400	10	office	office	NOUN
cblr-14253	400	11	for	for	ADP
cblr-14253	400	12	business	business	NOUN
cblr-14253	400	13	which	which	PRON
cblr-14253	400	14	is	be	AUX
cblr-14253	400	15	separate	separate	ADJ
cblr-14253	400	16	from	from	ADP
cblr-14253	400	17	one	one	NUM
cblr-14253	400	18	of	of	ADP
cblr-14253	400	19	the	the	DET
cblr-14253	400	20	parent	parent	NOUN
cblr-14253	400	21	providers	provider	NOUN
cblr-14253	400	22	?	?	PUNCT
cblr-14253	401	1	if	if	SCONJ
cblr-14253	401	2	the	the	DET
cblr-14253	401	3	new	new	ADJ
cblr-14253	401	4	entity	entity	NOUN
cblr-14253	401	5	is	be	AUX
cblr-14253	401	6	located	locate	VERB
cblr-14253	401	7	at	at	ADP
cblr-14253	401	8	the	the	DET
cblr-14253	401	9	same	same	ADJ
cblr-14253	401	10	business	business	NOUN
cblr-14253	401	11	address	address	NOUN
cblr-14253	401	12	as	as	ADP
cblr-14253	401	13	one	one	NUM
cblr-14253	401	14	of	of	ADP
cblr-14253	401	15	the	the	DET
cblr-14253	401	16	parent	parent	NOUN
cblr-14253	401	17	providers	provider	NOUN
cblr-14253	401	18	,	,	PUNCT
cblr-14253	401	19	does	do	AUX
cblr-14253	401	20	the	the	DET
cblr-14253	401	21	new	new	ADJ
cblr-14253	401	22	entity	entity	NOUN
cblr-14253	401	23	pay	pay	VERB
cblr-14253	401	24	a	a	DET
cblr-14253	401	25	general	general	ADJ
cblr-14253	401	26	market	market	NOUN
cblr-14253	401	27	value	value	NOUN
cblr-14253	401	28	rent	rent	NOUN
cblr-14253	401	29	for	for	ADP
cblr-14253	401	30	the	the	DET
cblr-14253	401	31	facilities	facility	NOUN
cblr-14253	401	32	actually	actually	ADV
cblr-14253	401	33	furnished	furnish	VERB
cblr-14253	401	34	?	?	PUNCT
cblr-14253	402	1	416	416	NUM
cblr-14253	402	2	columbia	columbia	PROPN
cblr-14253	402	3	business	business	NOUN
cblr-14253	402	4	law	law	PROPN
cblr-14253	402	5	review	review	NOUN
cblr-14253	402	6	[	[	X
cblr-14253	402	7	vol	vol	NOUN
cblr-14253	402	8	.	.	PUNCT
cblr-14253	403	1	2025	2025	NUM
cblr-14253	403	2	second	second	NOUN
cblr-14253	403	3	,	,	PUNCT
cblr-14253	403	4	some	some	DET
cblr-14253	403	5	real	real	ADJ
cblr-14253	403	6	-	-	PUNCT
cblr-14253	403	7	estate	estate	NOUN
cblr-14253	403	8	-	-	PUNCT
cblr-14253	403	9	settlement	settlement	NOUN
cblr-14253	403	10	businesses	business	NOUN
cblr-14253	403	11	attempt	attempt	VERB
cblr-14253	403	12	to	to	PART
cblr-14253	403	13	circumvent	circumvent	VERB
cblr-14253	403	14	the	the	DET
cblr-14253	403	15	kickback	kickback	NOUN
cblr-14253	403	16	prohibition	prohibition	NOUN
cblr-14253	403	17	by	by	ADP
cblr-14253	403	18	making	make	VERB
cblr-14253	403	19	up	up	ADP
cblr-14253	403	20	illusory	illusory	ADJ
cblr-14253	403	21	or	or	CCONJ
cblr-14253	403	22	over	over	ADV
cblr-14253	403	23	-	-	PUNCT
cblr-14253	403	24	valued	value	VERB
cblr-14253	403	25	services	service	NOUN
cblr-14253	403	26	to	to	PART
cblr-14253	403	27	conceal	conceal	VERB
cblr-14253	403	28	referral	referral	ADJ
cblr-14253	403	29	payments	payment	NOUN
cblr-14253	403	30	.	.	PUNCT
cblr-14253	404	1	for	for	ADP
cblr-14253	404	2	example	example	NOUN
cblr-14253	404	3	,	,	PUNCT
cblr-14253	404	4	settlement	settlement	NOUN
cblr-14253	404	5	vendors	vendor	NOUN
cblr-14253	404	6	looking	look	VERB
cblr-14253	404	7	for	for	ADP
cblr-14253	404	8	referrals	referral	NOUN
cblr-14253	404	9	have	have	AUX
cblr-14253	404	10	claimed	claim	VERB
cblr-14253	404	11	to	to	PART
cblr-14253	404	12	also	also	ADV
cblr-14253	404	13	be	be	AUX
cblr-14253	404	14	renting	rent	VERB
cblr-14253	404	15	the	the	DET
cblr-14253	404	16	use	use	NOUN
cblr-14253	404	17	of	of	ADP
cblr-14253	404	18	office	office	NOUN
cblr-14253	404	19	space	space	NOUN
cblr-14253	404	20	or	or	CCONJ
cblr-14253	404	21	equipment	equipment	NOUN
cblr-14253	404	22	from	from	ADP
cblr-14253	404	23	the	the	DET
cblr-14253	404	24	company	company	NOUN
cblr-14253	404	25	that	that	PRON
cblr-14253	404	26	refers	refer	VERB
cblr-14253	404	27	business	business	NOUN
cblr-14253	404	28	to	to	PART
cblr-14253	404	29	them.77	them.77	VERB
cblr-14253	404	30	here	here	ADV
cblr-14253	404	31	,	,	PUNCT
cblr-14253	404	32	the	the	DET
cblr-14253	404	33	(	(	PUNCT
cblr-14253	404	34	5	5	NUM
cblr-14253	404	35	)	)	PUNCT
cblr-14253	404	36	is	be	AUX
cblr-14253	404	37	the	the	DET
cblr-14253	404	38	new	new	ADJ
cblr-14253	404	39	entity	entity	NOUN
cblr-14253	404	40	providing	provide	VERB
cblr-14253	404	41	substantial	substantial	ADJ
cblr-14253	404	42	services	service	NOUN
cblr-14253	404	43	,	,	PUNCT
cblr-14253	404	44	i.e.	i.e.	X
cblr-14253	404	45	,	,	PUNCT
cblr-14253	404	46	the	the	DET
cblr-14253	404	47	essential	essential	ADJ
cblr-14253	404	48	functions	function	NOUN
cblr-14253	404	49	of	of	ADP
cblr-14253	404	50	the	the	DET
cblr-14253	404	51	real	real	ADJ
cblr-14253	404	52	estate	estate	NOUN
cblr-14253	404	53	settlement	settlement	NOUN
cblr-14253	404	54	service	service	NOUN
cblr-14253	404	55	,	,	PUNCT
cblr-14253	404	56	for	for	ADP
cblr-14253	404	57	which	which	PRON
cblr-14253	404	58	the	the	DET
cblr-14253	404	59	entity	entity	NOUN
cblr-14253	404	60	receives	receive	VERB
cblr-14253	404	61	a	a	DET
cblr-14253	404	62	fee	fee	NOUN
cblr-14253	404	63	?	?	PUNCT
cblr-14253	405	1	does	do	AUX
cblr-14253	405	2	it	it	PRON
cblr-14253	405	3	incur	incur	VERB
cblr-14253	405	4	the	the	DET
cblr-14253	405	5	risks	risk	NOUN
cblr-14253	405	6	and	and	CCONJ
cblr-14253	405	7	receive	receive	VERB
cblr-14253	405	8	the	the	DET
cblr-14253	405	9	rewards	reward	NOUN
cblr-14253	405	10	of	of	ADP
cblr-14253	405	11	any	any	DET
cblr-14253	405	12	comparable	comparable	ADJ
cblr-14253	405	13	enterprise	enterprise	NOUN
cblr-14253	405	14	operating	operate	VERB
cblr-14253	405	15	in	in	ADP
cblr-14253	405	16	the	the	DET
cblr-14253	405	17	marketplace	marketplace	NOUN
cblr-14253	405	18	?	?	PUNCT
cblr-14253	406	1	(	(	PUNCT
cblr-14253	406	2	6	6	X
cblr-14253	406	3	)	)	PUNCT
cblr-14253	406	4	does	do	AUX
cblr-14253	406	5	the	the	DET
cblr-14253	406	6	new	new	ADJ
cblr-14253	406	7	entity	entity	NOUN
cblr-14253	406	8	perform	perform	VERB
cblr-14253	406	9	all	all	PRON
cblr-14253	406	10	of	of	ADP
cblr-14253	406	11	the	the	DET
cblr-14253	406	12	substantial	substantial	ADJ
cblr-14253	406	13	services	service	NOUN
cblr-14253	406	14	itself	itself	PRON
cblr-14253	406	15	?	?	PUNCT
cblr-14253	406	16	or	or	CCONJ
cblr-14253	406	17	does	do	AUX
cblr-14253	406	18	it	it	PRON
cblr-14253	406	19	contract	contract	VERB
cblr-14253	406	20	out	out	ADP
cblr-14253	406	21	part	part	NOUN
cblr-14253	406	22	of	of	ADP
cblr-14253	406	23	the	the	DET
cblr-14253	406	24	work	work	NOUN
cblr-14253	406	25	?	?	PUNCT
cblr-14253	407	1	if	if	SCONJ
cblr-14253	407	2	so	so	ADV
cblr-14253	407	3	,	,	PUNCT
cblr-14253	407	4	how	how	SCONJ
cblr-14253	407	5	much	much	ADJ
cblr-14253	407	6	of	of	ADP
cblr-14253	407	7	the	the	DET
cblr-14253	407	8	work	work	NOUN
cblr-14253	407	9	is	be	AUX
cblr-14253	407	10	contracted	contract	VERB
cblr-14253	407	11	out	out	ADP
cblr-14253	407	12	?	?	PUNCT
cblr-14253	408	1	(	(	PUNCT
cblr-14253	408	2	7	7	X
cblr-14253	408	3	)	)	PUNCT
cblr-14253	408	4	if	if	SCONJ
cblr-14253	408	5	the	the	DET
cblr-14253	408	6	new	new	ADJ
cblr-14253	408	7	entity	entity	NOUN
cblr-14253	408	8	contracts	contract	VERB
cblr-14253	408	9	out	out	ADP
cblr-14253	408	10	some	some	PRON
cblr-14253	408	11	of	of	ADP
cblr-14253	408	12	its	its	PRON
cblr-14253	408	13	essential	essential	ADJ
cblr-14253	408	14	functions	function	NOUN
cblr-14253	408	15	,	,	PUNCT
cblr-14253	408	16	does	do	AUX
cblr-14253	408	17	it	it	PRON
cblr-14253	408	18	contract	contract	VERB
cblr-14253	408	19	services	service	NOUN
cblr-14253	408	20	from	from	ADP
cblr-14253	408	21	an	an	DET
cblr-14253	408	22	independent	independent	ADJ
cblr-14253	408	23	third	third	ADJ
cblr-14253	408	24	party	party	NOUN
cblr-14253	408	25	?	?	PUNCT
cblr-14253	408	26	or	or	CCONJ
cblr-14253	408	27	are	be	AUX
cblr-14253	408	28	the	the	DET
cblr-14253	408	29	services	service	NOUN
cblr-14253	408	30	contracted	contract	VERB
cblr-14253	408	31	from	from	ADP
cblr-14253	408	32	a	a	DET
cblr-14253	408	33	parent	parent	NOUN
cblr-14253	408	34	,	,	PUNCT
cblr-14253	408	35	affiliated	affiliated	ADJ
cblr-14253	408	36	provider	provider	NOUN
cblr-14253	408	37	or	or	CCONJ
cblr-14253	408	38	an	an	DET
cblr-14253	408	39	entity	entity	NOUN
cblr-14253	408	40	that	that	PRON
cblr-14253	408	41	helped	help	VERB
cblr-14253	408	42	create	create	VERB
cblr-14253	408	43	the	the	DET
cblr-14253	408	44	controlled	control	VERB
cblr-14253	408	45	entity	entity	NOUN
cblr-14253	408	46	?	?	PUNCT
cblr-14253	409	1	if	if	SCONJ
cblr-14253	409	2	the	the	DET
cblr-14253	409	3	new	new	ADJ
cblr-14253	409	4	entity	entity	NOUN
cblr-14253	409	5	contracts	contract	VERB
cblr-14253	409	6	out	out	ADP
cblr-14253	409	7	work	work	NOUN
cblr-14253	409	8	to	to	ADP
cblr-14253	409	9	a	a	DET
cblr-14253	409	10	parent	parent	NOUN
cblr-14253	409	11	,	,	PUNCT
cblr-14253	409	12	affiliated	affiliated	ADJ
cblr-14253	409	13	provider	provider	NOUN
cblr-14253	409	14	or	or	CCONJ
cblr-14253	409	15	an	an	DET
cblr-14253	409	16	entity	entity	NOUN
cblr-14253	409	17	that	that	PRON
cblr-14253	409	18	helped	help	VERB
cblr-14253	409	19	create	create	VERB
cblr-14253	409	20	it	it	PRON
cblr-14253	409	21	,	,	PUNCT
cblr-14253	409	22	does	do	AUX
cblr-14253	409	23	the	the	DET
cblr-14253	409	24	new	new	ADJ
cblr-14253	409	25	entity	entity	NOUN
cblr-14253	409	26	provide	provide	VERB
cblr-14253	409	27	any	any	DET
cblr-14253	409	28	functions	function	NOUN
cblr-14253	409	29	that	that	PRON
cblr-14253	409	30	are	be	AUX
cblr-14253	409	31	of	of	ADP
cblr-14253	409	32	value	value	NOUN
cblr-14253	409	33	to	to	ADP
cblr-14253	409	34	the	the	DET
cblr-14253	409	35	settlement	settlement	NOUN
cblr-14253	409	36	process	process	NOUN
cblr-14253	409	37	?	?	PUNCT
cblr-14253	410	1	(	(	PUNCT
cblr-14253	410	2	8)	8)	NUM
cblr-14253	410	3	if	if	SCONJ
cblr-14253	410	4	the	the	DET
cblr-14253	410	5	new	new	ADJ
cblr-14253	410	6	entity	entity	NOUN
cblr-14253	410	7	contracts	contract	VERB
cblr-14253	410	8	out	out	ADP
cblr-14253	410	9	work	work	NOUN
cblr-14253	410	10	to	to	ADP
cblr-14253	410	11	another	another	DET
cblr-14253	410	12	party	party	NOUN
cblr-14253	410	13	,	,	PUNCT
cblr-14253	410	14	is	be	AUX
cblr-14253	410	15	the	the	DET
cblr-14253	410	16	party	party	NOUN
cblr-14253	410	17	performing	perform	VERB
cblr-14253	410	18	any	any	DET
cblr-14253	410	19	contracted	contract	VERB
cblr-14253	410	20	services	service	NOUN
cblr-14253	410	21	receiving	receive	VERB
cblr-14253	410	22	a	a	DET
cblr-14253	410	23	payment	payment	NOUN
cblr-14253	410	24	for	for	ADP
cblr-14253	410	25	services	service	NOUN
cblr-14253	410	26	or	or	CCONJ
cblr-14253	410	27	facilities	facility	NOUN
cblr-14253	410	28	provided	provide	VERB
cblr-14253	410	29	that	that	SCONJ
cblr-14253	410	30	bears	bear	VERB
cblr-14253	410	31	a	a	DET
cblr-14253	410	32	reasonable	reasonable	ADJ
cblr-14253	410	33	relationship	relationship	NOUN
cblr-14253	410	34	to	to	ADP
cblr-14253	410	35	the	the	DET
cblr-14253	410	36	value	value	NOUN
cblr-14253	410	37	of	of	ADP
cblr-14253	410	38	the	the	DET
cblr-14253	410	39	services	service	NOUN
cblr-14253	410	40	or	or	CCONJ
cblr-14253	410	41	goods	good	NOUN
cblr-14253	410	42	received	receive	VERB
cblr-14253	410	43	?	?	PUNCT
cblr-14253	410	44	or	or	CCONJ
cblr-14253	410	45	is	be	AUX
cblr-14253	410	46	the	the	DET
cblr-14253	410	47	contractor	contractor	NOUN
cblr-14253	410	48	providing	provide	VERB
cblr-14253	410	49	services	service	NOUN
cblr-14253	410	50	or	or	CCONJ
cblr-14253	410	51	goods	good	NOUN
cblr-14253	410	52	at	at	ADP
cblr-14253	410	53	a	a	DET
cblr-14253	410	54	charge	charge	NOUN
cblr-14253	410	55	such	such	ADJ
cblr-14253	410	56	that	that	SCONJ
cblr-14253	410	57	the	the	DET
cblr-14253	410	58	new	new	ADJ
cblr-14253	410	59	entity	entity	NOUN
cblr-14253	410	60	is	be	AUX
cblr-14253	410	61	receiving	receive	VERB
cblr-14253	410	62	a	a	DET
cblr-14253	410	63	“	"	PUNCT
cblr-14253	410	64	thing	thing	NOUN
cblr-14253	410	65	of	of	ADP
cblr-14253	410	66	value	value	NOUN
cblr-14253	410	67	”	"	PUNCT
cblr-14253	410	68	for	for	ADP
cblr-14253	410	69	referring	refer	VERB
cblr-14253	410	70	settlement	settlement	NOUN
cblr-14253	410	71	service	service	NOUN
cblr-14253	410	72	business	business	NOUN
cblr-14253	410	73	to	to	ADP
cblr-14253	410	74	the	the	DET
cblr-14253	410	75	party	party	NOUN
cblr-14253	410	76	performing	perform	VERB
cblr-14253	410	77	the	the	DET
cblr-14253	410	78	service	service	NOUN
cblr-14253	410	79	?	?	PUNCT
cblr-14253	411	1	(	(	PUNCT
cblr-14253	411	2	9	9	X
cblr-14253	411	3	)	)	PUNCT
cblr-14253	411	4	is	be	AUX
cblr-14253	411	5	the	the	DET
cblr-14253	411	6	new	new	ADJ
cblr-14253	411	7	entity	entity	NOUN
cblr-14253	411	8	actively	actively	ADV
cblr-14253	411	9	competing	compete	VERB
cblr-14253	411	10	in	in	ADP
cblr-14253	411	11	the	the	DET
cblr-14253	411	12	marketplace	marketplace	NOUN
cblr-14253	411	13	for	for	ADP
cblr-14253	411	14	business	business	NOUN
cblr-14253	411	15	?	?	PUNCT
cblr-14253	412	1	does	do	AUX
cblr-14253	412	2	the	the	DET
cblr-14253	412	3	new	new	ADJ
cblr-14253	412	4	entity	entity	NOUN
cblr-14253	412	5	receive	receive	VERB
cblr-14253	412	6	or	or	CCONJ
cblr-14253	412	7	attempt	attempt	VERB
cblr-14253	412	8	to	to	PART
cblr-14253	412	9	obtain	obtain	VERB
cblr-14253	412	10	business	business	NOUN
cblr-14253	412	11	from	from	ADP
cblr-14253	412	12	settlement	settlement	NOUN
cblr-14253	412	13	service	service	NOUN
cblr-14253	412	14	providers	provider	NOUN
cblr-14253	412	15	other	other	ADJ
cblr-14253	412	16	than	than	ADP
cblr-14253	412	17	one	one	NUM
cblr-14253	412	18	of	of	ADP
cblr-14253	412	19	the	the	DET
cblr-14253	412	20	settlement	settlement	NOUN
cblr-14253	412	21	service	service	NOUN
cblr-14253	412	22	providers	provider	NOUN
cblr-14253	412	23	that	that	PRON
cblr-14253	412	24	created	create	VERB
cblr-14253	412	25	the	the	DET
cblr-14253	412	26	new	new	ADJ
cblr-14253	412	27	entity	entity	NOUN
cblr-14253	412	28	?	?	PUNCT
cblr-14253	413	1	(	(	PUNCT
cblr-14253	413	2	10	10	NUM
cblr-14253	413	3	)	)	PUNCT
cblr-14253	413	4	is	be	AUX
cblr-14253	413	5	the	the	DET
cblr-14253	413	6	new	new	ADJ
cblr-14253	413	7	entity	entity	NOUN
cblr-14253	413	8	sending	send	VERB
cblr-14253	413	9	business	business	NOUN
cblr-14253	413	10	exclusively	exclusively	ADV
cblr-14253	413	11	to	to	ADP
cblr-14253	413	12	one	one	NUM
cblr-14253	413	13	of	of	ADP
cblr-14253	413	14	the	the	DET
cblr-14253	413	15	settlement	settlement	NOUN
cblr-14253	413	16	service	service	NOUN
cblr-14253	413	17	providers	provider	NOUN
cblr-14253	413	18	that	that	PRON
cblr-14253	413	19	created	create	VERB
cblr-14253	413	20	it	it	PRON
cblr-14253	413	21	(	(	PUNCT
cblr-14253	413	22	such	such	ADJ
cblr-14253	413	23	as	as	ADP
cblr-14253	413	24	the	the	DET
cblr-14253	413	25	title	title	NOUN
cblr-14253	413	26	application	application	NOUN
cblr-14253	413	27	for	for	ADP
cblr-14253	413	28	a	a	DET
cblr-14253	413	29	title	title	NOUN
cblr-14253	413	30	policy	policy	NOUN
cblr-14253	413	31	to	to	ADP
cblr-14253	413	32	a	a	DET
cblr-14253	413	33	title	title	NOUN
cblr-14253	413	34	insurance	insurance	NOUN
cblr-14253	413	35	underwriter	underwriter	NOUN
cblr-14253	413	36	or	or	CCONJ
cblr-14253	413	37	a	a	DET
cblr-14253	413	38	loan	loan	NOUN
cblr-14253	413	39	package	package	NOUN
cblr-14253	413	40	to	to	ADP
cblr-14253	413	41	a	a	DET
cblr-14253	413	42	lender	lender	NOUN
cblr-14253	413	43	)	)	PUNCT
cblr-14253	413	44	?	?	PUNCT
cblr-14253	414	1	or	or	CCONJ
cblr-14253	414	2	does	do	AUX
cblr-14253	414	3	the	the	DET
cblr-14253	414	4	new	new	ADJ
cblr-14253	414	5	entity	entity	NOUN
cblr-14253	414	6	send	send	VERB
cblr-14253	414	7	business	business	NOUN
cblr-14253	414	8	to	to	ADP
cblr-14253	414	9	a	a	DET
cblr-14253	414	10	number	number	NOUN
cblr-14253	414	11	of	of	ADP
cblr-14253	414	12	entities	entity	NOUN
cblr-14253	414	13	,	,	PUNCT
cblr-14253	414	14	which	which	PRON
cblr-14253	414	15	may	may	AUX
cblr-14253	414	16	include	include	VERB
cblr-14253	414	17	one	one	NUM
cblr-14253	414	18	of	of	ADP
cblr-14253	414	19	the	the	DET
cblr-14253	414	20	providers	provider	NOUN
cblr-14253	414	21	that	that	PRON
cblr-14253	414	22	created	create	VERB
cblr-14253	414	23	it	it	PRON
cblr-14253	414	24	?	?	PUNCT
cblr-14253	415	1	77	77	NUM
cblr-14253	415	2	statement	statement	NOUN
cblr-14253	415	3	of	of	ADP
cblr-14253	415	4	policy	policy	NOUN
cblr-14253	415	5	1996	1996	NUM
cblr-14253	415	6	-	-	SYM
cblr-14253	415	7	3	3	NUM
cblr-14253	415	8	,	,	PUNCT
cblr-14253	415	9	rental	rental	NOUN
cblr-14253	415	10	of	of	ADP
cblr-14253	415	11	office	office	NOUN
cblr-14253	415	12	space	space	NOUN
cblr-14253	415	13	,	,	PUNCT
cblr-14253	415	14	lock	lock	NOUN
cblr-14253	415	15	-	-	PUNCT
cblr-14253	415	16	outs	out	NOUN
cblr-14253	415	17	,	,	PUNCT
cblr-14253	415	18	and	and	CCONJ
cblr-14253	415	19	retaliation	retaliation	NOUN
cblr-14253	415	20	,	,	PUNCT
cblr-14253	415	21	61	61	NUM
cblr-14253	415	22	fed	feed	VERB
cblr-14253	415	23	.	.	PUNCT
cblr-14253	416	1	reg	reg	PROPN
cblr-14253	416	2	.	.	PUNCT
cblr-14253	417	1	29264	29264	NUM
cblr-14253	417	2	,	,	PUNCT
cblr-14253	417	3	29266	29266	NUM
cblr-14253	417	4	(	(	PUNCT
cblr-14253	417	5	june	june	PROPN
cblr-14253	417	6	7	7	NUM
cblr-14253	417	7	,	,	PUNCT
cblr-14253	417	8	1996	1996	NUM
cblr-14253	417	9	)	)	PUNCT
cblr-14253	417	10	.	.	PUNCT
cblr-14253	418	1	no	no	INTJ
cblr-14253	418	2	.	.	NOUN
cblr-14253	419	1	1	1	NUM
cblr-14253	419	2	]	]	PUNCT
cblr-14253	419	3	corrupt	corrupt	ADJ
cblr-14253	419	4	joint	joint	ADJ
cblr-14253	419	5	ventures	venture	NOUN
cblr-14253	419	6	417	417	NUM
cblr-14253	419	7	kickback	kickback	NOUN
cblr-14253	419	8	is	be	AUX
cblr-14253	419	9	disguised	disguise	VERB
cblr-14253	419	10	as	as	ADP
cblr-14253	419	11	a	a	DET
cblr-14253	419	12	rent	rent	NOUN
cblr-14253	419	13	payment	payment	NOUN
cblr-14253	419	14	to	to	ADP
cblr-14253	419	15	the	the	DET
cblr-14253	419	16	referring	refer	VERB
cblr-14253	419	17	party.78	party.78	NOUN
cblr-14253	419	18	alternatively	alternatively	ADV
cblr-14253	419	19	,	,	PUNCT
cblr-14253	419	20	some	some	DET
cblr-14253	419	21	businesses	business	NOUN
cblr-14253	419	22	form	form	VERB
cblr-14253	419	23	marketingservices	marketingservice	NOUN
cblr-14253	419	24	agreements	agreement	NOUN
cblr-14253	419	25	to	to	PART
cblr-14253	419	26	conceal	conceal	VERB
cblr-14253	419	27	referral	referral	ADJ
cblr-14253	419	28	payments	payment	NOUN
cblr-14253	419	29	.	.	PUNCT
cblr-14253	420	1	ostensibly	ostensibly	ADV
cblr-14253	420	2	,	,	PUNCT
cblr-14253	420	3	these	these	PRON
cblr-14253	420	4	are	be	AUX
cblr-14253	420	5	contracts	contract	NOUN
cblr-14253	420	6	for	for	ADP
cblr-14253	420	7	one	one	NUM
cblr-14253	420	8	settlement	settlement	NOUN
cblr-14253	420	9	-	-	PUNCT
cblr-14253	420	10	services	service	NOUN
cblr-14253	420	11	provider	provider	NOUN
cblr-14253	420	12	to	to	PART
cblr-14253	420	13	pay	pay	VERB
cblr-14253	420	14	another	another	PRON
cblr-14253	420	15	for	for	ADP
cblr-14253	420	16	advertising	advertising	NOUN
cblr-14253	420	17	or	or	CCONJ
cblr-14253	420	18	promotional	promotional	ADJ
cblr-14253	420	19	services.79	services.79	NOUN
cblr-14253	420	20	these	these	DET
cblr-14253	420	21	arrangements	arrangement	NOUN
cblr-14253	420	22	can	can	AUX
cblr-14253	420	23	be	be	AUX
cblr-14253	420	24	legal	legal	ADJ
cblr-14253	420	25	,	,	PUNCT
cblr-14253	420	26	but	but	CCONJ
cblr-14253	420	27	only	only	ADV
cblr-14253	420	28	if	if	SCONJ
cblr-14253	420	29	the	the	DET
cblr-14253	420	30	performance	performance	NOUN
cblr-14253	420	31	of	of	ADP
cblr-14253	420	32	marketing	marketing	NOUN
cblr-14253	420	33	services	service	NOUN
cblr-14253	420	34	under	under	ADP
cblr-14253	420	35	the	the	DET
cblr-14253	420	36	agreement	agreement	NOUN
cblr-14253	420	37	is	be	AUX
cblr-14253	420	38	“	"	PUNCT
cblr-14253	420	39	reasonably	reasonably	ADV
cblr-14253	420	40	related	related	ADJ
cblr-14253	420	41	to	to	ADP
cblr-14253	420	42	the	the	DET
cblr-14253	420	43	value	value	NOUN
cblr-14253	420	44	of	of	ADP
cblr-14253	420	45	the	the	DET
cblr-14253	420	46	services	service	NOUN
cblr-14253	420	47	actually	actually	ADV
cblr-14253	420	48	performed	perform	VERB
cblr-14253	420	49	.	.	PUNCT
cblr-14253	421	1	”80	”80	PROPN
cblr-14253	421	2	the	the	DET
cblr-14253	421	3	cfpb	cfpb	NOUN
cblr-14253	421	4	has	have	AUX
cblr-14253	421	5	found	find	VERB
cblr-14253	421	6	that	that	SCONJ
cblr-14253	421	7	these	these	DET
cblr-14253	421	8	agreements	agreement	NOUN
cblr-14253	421	9	often	often	ADV
cblr-14253	421	10	include	include	VERB
cblr-14253	421	11	“	"	PUNCT
cblr-14253	421	12	payments	payment	NOUN
cblr-14253	421	13	[	[	PUNCT
cblr-14253	421	14	that	that	PRON
cblr-14253	421	15	]	]	PUNCT
cblr-14253	421	16	are	be	AUX
cblr-14253	421	17	actually	actually	ADV
cblr-14253	421	18	disguised	disguise	VERB
cblr-14253	421	19	compensation	compensation	NOUN
cblr-14253	421	20	for	for	ADP
cblr-14253	421	21	referrals	referral	NOUN
cblr-14253	421	22	”	"	PUNCT
cblr-14253	421	23	and	and	CCONJ
cblr-14253	421	24	has	have	AUX
cblr-14253	421	25	set	set	VERB
cblr-14253	421	26	out	out	ADP
cblr-14253	421	27	several	several	ADJ
cblr-14253	421	28	examples	example	NOUN
cblr-14253	421	29	and	and	CCONJ
cblr-14253	421	30	factors	factor	NOUN
cblr-14253	421	31	courts	court	NOUN
cblr-14253	421	32	can	can	AUX
cblr-14253	421	33	use	use	VERB
cblr-14253	421	34	to	to	PART
cblr-14253	421	35	identify	identify	VERB
cblr-14253	421	36	illegal	illegal	ADJ
cblr-14253	421	37	kickbacks.81	kickbacks.81	NOUN
cblr-14253	421	38	for	for	ADP
cblr-14253	421	39	purposes	purpose	NOUN
cblr-14253	421	40	of	of	ADP
cblr-14253	421	41	this	this	DET
cblr-14253	421	42	article	article	NOUN
cblr-14253	421	43	,	,	PUNCT
cblr-14253	421	44	the	the	DET
cblr-14253	421	45	history	history	NOUN
cblr-14253	421	46	of	of	ADP
cblr-14253	421	47	past	past	ADJ
cblr-14253	421	48	strategies	strategy	NOUN
cblr-14253	421	49	used	use	VERB
cblr-14253	421	50	to	to	PART
cblr-14253	421	51	evade	evade	VERB
cblr-14253	421	52	repsa	repsa	PROPN
cblr-14253	421	53	’s	’s	PART
cblr-14253	421	54	kickback	kickback	NOUN
cblr-14253	421	55	prohibition	prohibition	NOUN
cblr-14253	421	56	is	be	AUX
cblr-14253	421	57	informative	informative	ADJ
cblr-14253	421	58	.	.	PUNCT
cblr-14253	422	1	courts	court	NOUN
cblr-14253	422	2	and	and	CCONJ
cblr-14253	422	3	regulators	regulator	NOUN
cblr-14253	422	4	have	have	AUX
cblr-14253	422	5	held	hold	VERB
cblr-14253	422	6	that	that	SCONJ
cblr-14253	422	7	an	an	DET
cblr-14253	422	8	illusory	illusory	ADJ
cblr-14253	422	9	business	business	NOUN
cblr-14253	422	10	can	can	AUX
cblr-14253	422	11	not	not	PART
cblr-14253	422	12	be	be	AUX
cblr-14253	422	13	a	a	DET
cblr-14253	422	14	compliant	compliant	ADJ
cblr-14253	422	15	affiliated	affiliate	VERB
cblr-14253	422	16	-	-	PUNCT
cblr-14253	422	17	business	business	NOUN
cblr-14253	422	18	arrangement	arrangement	NOUN
cblr-14253	422	19	.	.	PUNCT
cblr-14253	423	1	and	and	CCONJ
cblr-14253	423	2	courts	court	NOUN
cblr-14253	423	3	and	and	CCONJ
cblr-14253	423	4	regulators	regulator	NOUN
cblr-14253	423	5	have	have	AUX
cblr-14253	423	6	held	hold	VERB
cblr-14253	423	7	that	that	SCONJ
cblr-14253	423	8	an	an	DET
cblr-14253	423	9	illusory	illusory	ADJ
cblr-14253	423	10	service	service	NOUN
cblr-14253	423	11	can	can	AUX
cblr-14253	423	12	not	not	PART
cblr-14253	423	13	provide	provide	VERB
cblr-14253	423	14	a	a	DET
cblr-14253	423	15	basis	basis	NOUN
cblr-14253	423	16	for	for	ADP
cblr-14253	423	17	compliant	compliant	ADJ
cblr-14253	423	18	referral	referral	NOUN
cblr-14253	423	19	compensation	compensation	NOUN
cblr-14253	423	20	.	.	PUNCT
cblr-14253	424	1	what	what	PRON
cblr-14253	424	2	78	78	NUM
cblr-14253	424	3	i	i	PRON
cblr-14253	424	4	d.	d.	PROPN
cblr-14253	424	5	in	in	ADP
cblr-14253	424	6	1996	1996	NUM
cblr-14253	424	7	,	,	PUNCT
cblr-14253	424	8	hud	hud	PROPN
cblr-14253	424	9	described	describe	VERB
cblr-14253	424	10	an	an	DET
cblr-14253	424	11	example	example	NOUN
cblr-14253	424	12	of	of	ADP
cblr-14253	424	13	this	this	DET
cblr-14253	424	14	evasion	evasion	NOUN
cblr-14253	424	15	strategy	strategy	NOUN
cblr-14253	424	16	:	:	PUNCT
cblr-14253	424	17	one	one	NUM
cblr-14253	424	18	case	case	NOUN
cblr-14253	424	19	involved	involve	VERB
cblr-14253	424	20	a	a	DET
cblr-14253	424	21	title	title	NOUN
cblr-14253	424	22	insurance	insurance	NOUN
cblr-14253	424	23	company	company	NOUN
cblr-14253	424	24	that	that	PRON
cblr-14253	424	25	paid	pay	VERB
cblr-14253	424	26	a	a	DET
cblr-14253	424	27	“	"	PUNCT
cblr-14253	424	28	rental	rental	ADJ
cblr-14253	424	29	fee	fee	NOUN
cblr-14253	424	30	”	"	PUNCT
cblr-14253	424	31	to	to	ADP
cblr-14253	424	32	a	a	DET
cblr-14253	424	33	real	real	ADJ
cblr-14253	424	34	estate	estate	NOUN
cblr-14253	424	35	broker	broker	NOUN
cblr-14253	424	36	for	for	ADP
cblr-14253	424	37	the	the	DET
cblr-14253	424	38	“	"	PUNCT
cblr-14253	424	39	per	per	ADP
cblr-14253	424	40	use	use	NOUN
cblr-14253	424	41	rental	rental	NOUN
cblr-14253	424	42	”	"	PUNCT
cblr-14253	424	43	of	of	ADP
cblr-14253	424	44	a	a	DET
cblr-14253	424	45	conference	conference	NOUN
cblr-14253	424	46	room	room	NOUN
cblr-14253	424	47	for	for	ADP
cblr-14253	424	48	closings	closing	NOUN
cblr-14253	424	49	.	.	PUNCT
cblr-14253	425	1	the	the	DET
cblr-14253	425	2	title	title	NOUN
cblr-14253	425	3	insurance	insurance	NOUN
cblr-14253	425	4	company	company	NOUN
cblr-14253	425	5	paid	pay	VERB
cblr-14253	425	6	a	a	DET
cblr-14253	425	7	$	$	SYM
cblr-14253	425	8	100	100	NUM
cblr-14253	425	9	fee	fee	NOUN
cblr-14253	425	10	for	for	ADP
cblr-14253	425	11	each	each	DET
cblr-14253	425	12	transaction	transaction	NOUN
cblr-14253	425	13	.	.	PUNCT
cblr-14253	426	1	this	this	DET
cblr-14253	426	2	“	"	PUNCT
cblr-14253	426	3	rental	rental	ADJ
cblr-14253	426	4	fee	fee	NOUN
cblr-14253	426	5	”	"	PUNCT
cblr-14253	426	6	was	be	AUX
cblr-14253	426	7	greater	great	ADJ
cblr-14253	426	8	than	than	ADP
cblr-14253	426	9	the	the	DET
cblr-14253	426	10	general	general	ADJ
cblr-14253	426	11	market	market	NOUN
cblr-14253	426	12	value	value	NOUN
cblr-14253	426	13	for	for	ADP
cblr-14253	426	14	the	the	DET
cblr-14253	426	15	use	use	NOUN
cblr-14253	426	16	of	of	ADP
cblr-14253	426	17	the	the	DET
cblr-14253	426	18	space	space	NOUN
cblr-14253	426	19	.	.	PUNCT
cblr-14253	427	1	in	in	ADP
cblr-14253	427	2	addition	addition	NOUN
cblr-14253	427	3	,	,	PUNCT
cblr-14253	427	4	the	the	DET
cblr-14253	427	5	facts	fact	NOUN
cblr-14253	427	6	revealed	reveal	VERB
cblr-14253	427	7	that	that	SCONJ
cblr-14253	427	8	the	the	DET
cblr-14253	427	9	room	room	NOUN
cblr-14253	427	10	was	be	AUX
cblr-14253	427	11	rarely	rarely	ADV
cblr-14253	427	12	actually	actually	ADV
cblr-14253	427	13	used	use	VERB
cblr-14253	427	14	for	for	ADP
cblr-14253	427	15	closings	closing	NOUN
cblr-14253	427	16	.	.	PUNCT
cblr-14253	428	1	in	in	ADP
cblr-14253	428	2	this	this	DET
cblr-14253	428	3	case	case	NOUN
cblr-14253	428	4	,	,	PUNCT
cblr-14253	428	5	hud	hud	PROPN
cblr-14253	428	6	examined	examine	VERB
cblr-14253	428	7	whether	whether	SCONJ
cblr-14253	428	8	a	a	DET
cblr-14253	428	9	“	"	PUNCT
cblr-14253	428	10	facility	facility	NOUN
cblr-14253	428	11	”	"	PUNCT
cblr-14253	428	12	was	be	AUX
cblr-14253	428	13	actually	actually	ADV
cblr-14253	428	14	furnished	furnish	VERB
cblr-14253	428	15	at	at	ADP
cblr-14253	428	16	a	a	DET
cblr-14253	428	17	general	general	ADJ
cblr-14253	428	18	market	market	NOUN
cblr-14253	428	19	rate	rate	NOUN
cblr-14253	428	20	.	.	PUNCT
cblr-14253	429	1	hud	hud	PROPN
cblr-14253	429	2	concluded	conclude	VERB
cblr-14253	429	3	that	that	SCONJ
cblr-14253	429	4	this	this	PRON
cblr-14253	429	5	was	be	AUX
cblr-14253	429	6	a	a	DET
cblr-14253	429	7	sham	sham	ADJ
cblr-14253	429	8	rental	rental	ADJ
cblr-14253	429	9	arrangement	arrangement	NOUN
cblr-14253	429	10	;	;	PUNCT
cblr-14253	429	11	the	the	DET
cblr-14253	429	12	“	"	PUNCT
cblr-14253	429	13	rent	rent	NOUN
cblr-14253	429	14	”	"	PUNCT
cblr-14253	429	15	was	be	AUX
cblr-14253	429	16	really	really	ADV
cblr-14253	429	17	a	a	DET
cblr-14253	429	18	disguised	disguised	ADJ
cblr-14253	429	19	referral	referral	ADJ
cblr-14253	429	20	fee	fee	NOUN
cblr-14253	429	21	in	in	ADP
cblr-14253	429	22	violation	violation	NOUN
cblr-14253	429	23	of	of	ADP
cblr-14253	429	24	section	section	NOUN
cblr-14253	429	25	8(a	8(a	NUM
cblr-14253	429	26	)	)	PUNCT
cblr-14253	429	27	.	.	PUNCT
cblr-14253	430	1	79	79	NUM
cblr-14253	430	2	andrew	andrew	PROPN
cblr-14253	430	3	g.	g.	PROPN
cblr-14253	430	4	pfizor	pfizor	PROPN
cblr-14253	430	5	et	et	PROPN
cblr-14253	430	6	al	al	PROPN
cblr-14253	430	7	.	.	PROPN
cblr-14253	430	8	,	,	PUNCT
cblr-14253	430	9	mortgage	mortgage	NOUN
cblr-14253	430	10	lending	lending	NOUN
cblr-14253	430	11	§	§	PROPN
cblr-14253	430	12	7.4.2	7.4.2	NUM
cblr-14253	430	13	(	(	PUNCT
cblr-14253	430	14	4th	4th	ADJ
cblr-14253	430	15	ed	ed	NOUN
cblr-14253	430	16	.	.	PUNCT
cblr-14253	430	17	2024	2024	NUM
cblr-14253	430	18	)	)	PUNCT
cblr-14253	430	19	.	.	PUNCT
cblr-14253	431	1	80	80	NUM
cblr-14253	431	2	real	real	ADJ
cblr-14253	431	3	estate	estate	NOUN
cblr-14253	431	4	settlement	settlement	NOUN
cblr-14253	431	5	procedures	procedure	NOUN
cblr-14253	431	6	act	act	VERB
cblr-14253	431	7	faqs	faq	NOUN
cblr-14253	431	8	,	,	PUNCT
cblr-14253	431	9	consumer	consumer	NOUN
cblr-14253	431	10	fin	fin	NOUN
cblr-14253	431	11	.	.	PUNCT
cblr-14253	432	1	prot	prot	PROPN
cblr-14253	432	2	.	.	PUNCT
cblr-14253	433	1	bureau	bureau	PROPN
cblr-14253	433	2	(	(	PUNCT
cblr-14253	433	3	oct	oct	PROPN
cblr-14253	433	4	.	.	PROPN
cblr-14253	433	5	7	7	NUM
cblr-14253	433	6	,	,	PUNCT
cblr-14253	433	7	2020	2020	NUM
cblr-14253	433	8	)	)	PUNCT
cblr-14253	433	9	,	,	PUNCT
cblr-14253	433	10	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	ADP
cblr-14253	434	1	[	[	X
cblr-14253	434	2	https://perma.cc/l7zp-wx9r	https://perma.cc/l7zp-wx9r	ADJ
cblr-14253	434	3	]	]	PUNCT
cblr-14253	434	4	.	.	PUNCT
cblr-14253	434	5	81	81	NUM
cblr-14253	434	6	cfpb	cfpb	NOUN
cblr-14253	434	7	compliance	compliance	NOUN
cblr-14253	434	8	bulletin	bulletin	NOUN
cblr-14253	434	9	2015	2015	NUM
cblr-14253	434	10	-	-	SYM
cblr-14253	434	11	05	05	NUM
cblr-14253	434	12	,	,	PUNCT
cblr-14253	434	13	respa	respa	PROPN
cblr-14253	434	14	compliance	compliance	NOUN
cblr-14253	434	15	and	and	CCONJ
cblr-14253	434	16	marketing	marketing	NOUN
cblr-14253	434	17	services	service	NOUN
cblr-14253	434	18	agreements	agreement	NOUN
cblr-14253	434	19	2	2	NUM
cblr-14253	434	20	(	(	PUNCT
cblr-14253	434	21	oct	oct	PROPN
cblr-14253	434	22	.	.	PROPN
cblr-14253	434	23	8	8	NUM
cblr-14253	434	24	,	,	PUNCT
cblr-14253	434	25	2015	2015	NUM
cblr-14253	434	26	)	)	PUNCT
cblr-14253	434	27	.	.	PUNCT
cblr-14253	435	1	see	see	VERB
cblr-14253	435	2	also	also	ADV
cblr-14253	435	3	bryan	bryan	PROPN
cblr-14253	435	4	a.	a.	PROPN
cblr-14253	435	5	schneider	schneider	PROPN
cblr-14253	435	6	,	,	PUNCT
cblr-14253	435	7	cfpb	cfpb	NOUN
cblr-14253	435	8	provides	provide	VERB
cblr-14253	435	9	clearer	clear	ADJ
cblr-14253	435	10	rules	rule	NOUN
cblr-14253	435	11	of	of	ADP
cblr-14253	435	12	the	the	DET
cblr-14253	435	13	road	road	NOUN
cblr-14253	435	14	for	for	ADP
cblr-14253	435	15	respa	respa	NOUN
cblr-14253	435	16	marketing	marketing	NOUN
cblr-14253	435	17	service	service	NOUN
cblr-14253	435	18	agreements	agreement	NOUN
cblr-14253	435	19	,	,	PUNCT
cblr-14253	435	20	consumer	consumer	NOUN
cblr-14253	435	21	fin	fin	NOUN
cblr-14253	435	22	.	.	PUNCT
cblr-14253	436	1	prot	prot	PROPN
cblr-14253	436	2	.	.	PUNCT
cblr-14253	437	1	bureau	bureau	PROPN
cblr-14253	437	2	(	(	PUNCT
cblr-14253	437	3	oct	oct	PROPN
cblr-14253	437	4	.	.	PROPN
cblr-14253	437	5	7	7	NUM
cblr-14253	437	6	,	,	PUNCT
cblr-14253	437	7	2020	2020	NUM
cblr-14253	437	8	)	)	PUNCT
cblr-14253	437	9	,	,	PUNCT
cblr-14253	437	10	https://www.consumerfinance.gov/about-us/blog/cfpb-provides-clearerrules-road-respa-marketing-service-agreements/	https://www.consumerfinance.gov/about-us/blog/cfpb-provides-clearerrules-road-respa-marketing-service-agreements/	NOUN
cblr-14253	438	1	[	[	X
cblr-14253	438	2	https://perma.cc/7slwbkk3	https://perma.cc/7slwbkk3	X
cblr-14253	438	3	]	]	PUNCT
cblr-14253	438	4	.	.	PUNCT
cblr-14253	439	1	418	418	NUM
cblr-14253	439	2	columbia	columbia	PROPN
cblr-14253	439	3	business	business	NOUN
cblr-14253	439	4	law	law	PROPN
cblr-14253	439	5	review	review	NOUN
cblr-14253	439	6	[	[	X
cblr-14253	439	7	vol	vol	NOUN
cblr-14253	439	8	.	.	PUNCT
cblr-14253	439	9	2025	2025	NUM
cblr-14253	439	10	about	about	ADP
cblr-14253	439	11	an	an	DET
cblr-14253	439	12	illusory	illusory	ADJ
cblr-14253	439	13	capital	capital	NOUN
cblr-14253	439	14	investment	investment	NOUN
cblr-14253	439	15	in	in	ADP
cblr-14253	439	16	a	a	DET
cblr-14253	439	17	settlement	settlement	NOUN
cblr-14253	439	18	-	-	PUNCT
cblr-14253	439	19	services	service	NOUN
cblr-14253	439	20	business	business	NOUN
cblr-14253	439	21	?	?	PUNCT
cblr-14253	440	1	b.	b.	NOUN
cblr-14253	440	2	discounts	discount	NOUN
cblr-14253	440	3	as	as	ADP
cblr-14253	440	4	kickbacks	kickback	NOUN
cblr-14253	440	5	:	:	PUNCT
cblr-14253	440	6	illusory	illusory	ADJ
cblr-14253	440	7	capital	capital	NOUN
cblr-14253	440	8	investment	investment	NOUN
cblr-14253	440	9	in	in	ADP
cblr-14253	440	10	real	real	ADJ
cblr-14253	440	11	estate	estate	NOUN
cblr-14253	440	12	settlement	settlement	NOUN
cblr-14253	440	13	joint	joint	ADJ
cblr-14253	440	14	ventures	venture	NOUN
cblr-14253	440	15	with	with	ADP
cblr-14253	440	16	these	these	DET
cblr-14253	440	17	examples	example	NOUN
cblr-14253	440	18	in	in	ADP
cblr-14253	440	19	mind	mind	NOUN
cblr-14253	440	20	,	,	PUNCT
cblr-14253	440	21	we	we	PRON
cblr-14253	440	22	turn	turn	VERB
cblr-14253	440	23	to	to	ADP
cblr-14253	440	24	whether	whether	SCONJ
cblr-14253	440	25	discounted	discount	VERB
cblr-14253	440	26	joint	joint	ADJ
cblr-14253	440	27	ventures	venture	NOUN
cblr-14253	440	28	are	be	AUX
cblr-14253	440	29	permissible	permissible	ADJ
cblr-14253	440	30	under	under	ADP
cblr-14253	440	31	respa	respa	PROPN
cblr-14253	440	32	’s	’s	PART
cblr-14253	440	33	exception	exception	NOUN
cblr-14253	440	34	for	for	ADP
cblr-14253	440	35	affiliated	affiliate	VERB
cblr-14253	440	36	-	-	PUNCT
cblr-14253	440	37	business	business	NOUN
cblr-14253	440	38	arrangements	arrangement	NOUN
cblr-14253	440	39	.	.	PUNCT
cblr-14253	441	1	congress	congress	PROPN
cblr-14253	441	2	defined	define	VERB
cblr-14253	441	3	affiliated	affiliate	VERB
cblr-14253	441	4	-	-	PUNCT
cblr-14253	441	5	business	business	NOUN
cblr-14253	441	6	arrangements	arrangement	NOUN
cblr-14253	441	7	as	as	ADP
cblr-14253	441	8	an	an	DET
cblr-14253	441	9	arrangement	arrangement	NOUN
cblr-14253	441	10	in	in	ADP
cblr-14253	441	11	which	which	PRON
cblr-14253	441	12	“	"	PUNCT
cblr-14253	441	13	(	(	PUNCT
cblr-14253	441	14	a	a	X
cblr-14253	441	15	)	)	PUNCT
cblr-14253	441	16	a	a	DET
cblr-14253	441	17	person	person	NOUN
cblr-14253	441	18	who	who	PRON
cblr-14253	441	19	is	be	AUX
cblr-14253	441	20	in	in	ADP
cblr-14253	441	21	a	a	DET
cblr-14253	441	22	position	position	NOUN
cblr-14253	441	23	to	to	PART
cblr-14253	441	24	refer	refer	VERB
cblr-14253	441	25	business	business	NOUN
cblr-14253	441	26	incident	incident	NOUN
cblr-14253	441	27	to	to	ADP
cblr-14253	441	28	or	or	CCONJ
cblr-14253	441	29	a	a	DET
cblr-14253	441	30	part	part	NOUN
cblr-14253	441	31	of	of	ADP
cblr-14253	441	32	a	a	DET
cblr-14253	441	33	real	real	ADJ
cblr-14253	441	34	estate	estate	NOUN
cblr-14253	441	35	settlement	settlement	NOUN
cblr-14253	441	36	service	service	NOUN
cblr-14253	441	37	.	.	PUNCT
cblr-14253	441	38	.	.	PUNCT
cblr-14253	441	39	.	.	PUNCT
cblr-14253	442	1	[	[	X
cblr-14253	442	2	has	have	VERB
cblr-14253	442	3	]	]	X
cblr-14253	442	4	a	a	DET
cblr-14253	442	5	direct	direct	ADJ
cblr-14253	442	6	or	or	CCONJ
cblr-14253	442	7	beneficial	beneficial	ADJ
cblr-14253	442	8	ownership	ownership	NOUN
cblr-14253	442	9	interest	interest	NOUN
cblr-14253	442	10	.	.	PUNCT
cblr-14253	442	11	.	.	PUNCT
cblr-14253	442	12	.	.	PUNCT
cblr-14253	443	1	in	in	ADP
cblr-14253	443	2	a	a	DET
cblr-14253	443	3	provider	provider	NOUN
cblr-14253	443	4	of	of	ADP
cblr-14253	443	5	settlement	settlement	NOUN
cblr-14253	443	6	services	service	NOUN
cblr-14253	443	7	”	"	PUNCT
cblr-14253	443	8	and	and	CCONJ
cblr-14253	443	9	“	"	PUNCT
cblr-14253	443	10	(	(	PUNCT
cblr-14253	443	11	b	b	NOUN
cblr-14253	443	12	)	)	PUNCT
cblr-14253	443	13	either	either	CCONJ
cblr-14253	443	14	of	of	ADP
cblr-14253	443	15	such	such	ADJ
cblr-14253	443	16	persons	person	NOUN
cblr-14253	443	17	directly	directly	ADV
cblr-14253	443	18	or	or	CCONJ
cblr-14253	443	19	indirectly	indirectly	ADV
cblr-14253	443	20	refers	refer	VERB
cblr-14253	443	21	such	such	ADJ
cblr-14253	443	22	business	business	NOUN
cblr-14253	443	23	to	to	ADP
cblr-14253	443	24	that	that	DET
cblr-14253	443	25	provider	provider	NOUN
cblr-14253	443	26	.	.	PUNCT
cblr-14253	444	1	”82	”82	ADV
cblr-14253	444	2	under	under	ADP
cblr-14253	444	3	the	the	DET
cblr-14253	444	4	safe	safe	ADJ
cblr-14253	444	5	harbor	harbor	NOUN
cblr-14253	444	6	,	,	PUNCT
cblr-14253	444	7	the	the	DET
cblr-14253	444	8	referring	refer	VERB
cblr-14253	444	9	business	business	NOUN
cblr-14253	444	10	is	be	AUX
cblr-14253	444	11	exempt	exempt	ADJ
cblr-14253	444	12	from	from	ADP
cblr-14253	444	13	respa	respa	PROPN
cblr-14253	444	14	’s	’s	PART
cblr-14253	444	15	kickback	kickback	NOUN
cblr-14253	444	16	ban	ban	NOUN
cblr-14253	444	17	if	if	SCONJ
cblr-14253	444	18	three	three	NUM
cblr-14253	444	19	conditions	condition	NOUN
cblr-14253	444	20	are	be	AUX
cblr-14253	444	21	met.83	met.83	ADV
cblr-14253	444	22	first	first	ADJ
cblr-14253	444	23	,	,	PUNCT
cblr-14253	444	24	consumers	consumer	NOUN
cblr-14253	444	25	must	must	AUX
cblr-14253	444	26	receive	receive	VERB
cblr-14253	444	27	a	a	DET
cblr-14253	444	28	disclosure	disclosure	NOUN
cblr-14253	444	29	regarding	regard	VERB
cblr-14253	444	30	the	the	DET
cblr-14253	444	31	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	444	32	relationship	relationship	NOUN
cblr-14253	444	33	at	at	ADP
cblr-14253	444	34	or	or	CCONJ
cblr-14253	444	35	before	before	ADP
cblr-14253	444	36	the	the	DET
cblr-14253	444	37	time	time	NOUN
cblr-14253	444	38	of	of	ADP
cblr-14253	444	39	the	the	DET
cblr-14253	444	40	referral.84	referral.84	NOUN
cblr-14253	444	41	second	second	ADJ
cblr-14253	444	42	,	,	PUNCT
cblr-14253	444	43	consumers	consumer	NOUN
cblr-14253	444	44	must	must	AUX
cblr-14253	444	45	not	not	PART
cblr-14253	444	46	be	be	AUX
cblr-14253	444	47	required	require	VERB
cblr-14253	444	48	to	to	PART
cblr-14253	444	49	use	use	VERB
cblr-14253	444	50	any	any	DET
cblr-14253	444	51	particular	particular	ADJ
cblr-14253	444	52	settlement	settlement	NOUN
cblr-14253	444	53	-	-	PUNCT
cblr-14253	444	54	services	service	NOUN
cblr-14253	444	55	provider.85	provider.85	NOUN
cblr-14253	444	56	and	and	CCONJ
cblr-14253	444	57	third	third	ADJ
cblr-14253	444	58	,	,	PUNCT
cblr-14253	444	59	“	"	PUNCT
cblr-14253	444	60	[	[	X
cblr-14253	444	61	t]he	t]he	ADJ
cblr-14253	444	62	only	only	ADJ
cblr-14253	444	63	thing	thing	NOUN
cblr-14253	444	64	of	of	ADP
cblr-14253	444	65	value	value	NOUN
cblr-14253	444	66	that	that	PRON
cblr-14253	444	67	is	be	AUX
cblr-14253	444	68	received	receive	VERB
cblr-14253	444	69	from	from	ADP
cblr-14253	444	70	the	the	DET
cblr-14253	444	71	arrangement	arrangement	NOUN
cblr-14253	444	72	.	.	PUNCT
cblr-14253	444	73	.	.	PUNCT
cblr-14253	445	1	.	.	PUNCT
cblr-14253	446	1	is	be	AUX
cblr-14253	446	2	a	a	DET
cblr-14253	446	3	return	return	NOUN
cblr-14253	446	4	on	on	ADP
cblr-14253	446	5	an	an	DET
cblr-14253	446	6	ownership	ownership	NOUN
cblr-14253	446	7	interest	interest	NOUN
cblr-14253	446	8	or	or	CCONJ
cblr-14253	446	9	franchise	franchise	NOUN
cblr-14253	446	10	relationship	relationship	NOUN
cblr-14253	446	11	.	.	PUNCT
cblr-14253	447	1	”86	”86	NOUN
cblr-14253	447	2	it	it	PRON
cblr-14253	447	3	is	be	AUX
cblr-14253	447	4	this	this	DET
cblr-14253	447	5	third	third	ADJ
cblr-14253	447	6	condition	condition	NOUN
cblr-14253	447	7	that	that	PRON
cblr-14253	447	8	is	be	AUX
cblr-14253	447	9	most	most	ADV
cblr-14253	447	10	relevant	relevant	ADJ
cblr-14253	447	11	to	to	AUX
cblr-14253	447	12	discounted	discount	VERB
cblr-14253	447	13	joint	joint	ADJ
cblr-14253	447	14	ventures	venture	NOUN
cblr-14253	447	15	.	.	PUNCT
cblr-14253	448	1	respa	respa	PROPN
cblr-14253	448	2	defines	define	VERB
cblr-14253	448	3	“	"	PUNCT
cblr-14253	448	4	thing	thing	NOUN
cblr-14253	448	5	of	of	ADP
cblr-14253	448	6	value	value	NOUN
cblr-14253	448	7	”	"	PUNCT
cblr-14253	448	8	to	to	PART
cblr-14253	448	9	include	include	VERB
cblr-14253	448	10	any	any	DET
cblr-14253	448	11	“	"	PUNCT
cblr-14253	448	12	payment	payment	NOUN
cblr-14253	448	13	,	,	PUNCT
cblr-14253	448	14	”	"	PUNCT
cblr-14253	448	15	“	"	PUNCT
cblr-14253	448	16	funds	fund	NOUN
cblr-14253	448	17	,	,	PUNCT
cblr-14253	448	18	”	"	PUNCT
cblr-14253	448	19	and	and	CCONJ
cblr-14253	448	20	“	"	PUNCT
cblr-14253	448	21	other	other	ADJ
cblr-14253	448	22	consideration	consideration	NOUN
cblr-14253	448	23	.	.	PUNCT
cblr-14253	449	1	”87	”87	PROPN
cblr-14253	449	2	respa	respa	PROPN
cblr-14253	449	3	’s	’s	PART
cblr-14253	449	4	implementing	implement	VERB
cblr-14253	449	5	regulation	regulation	NOUN
cblr-14253	449	6	,	,	PUNCT
cblr-14253	449	7	regulation	regulation	NOUN
cblr-14253	449	8	x	x	X
cblr-14253	449	9	,	,	PUNCT
cblr-14253	449	10	clarifies	clarify	VERB
cblr-14253	449	11	that	that	SCONJ
cblr-14253	449	12	“	"	PUNCT
cblr-14253	449	13	thing	thing	NOUN
cblr-14253	449	14	of	of	ADP
cblr-14253	449	15	value	value	NOUN
cblr-14253	449	16	”	"	PUNCT
cblr-14253	449	17	is	be	AUX
cblr-14253	449	18	“	"	PUNCT
cblr-14253	449	19	broadly	broadly	ADV
cblr-14253	449	20	defined	define	VERB
cblr-14253	449	21	”	"	PUNCT
cblr-14253	449	22	and	and	CCONJ
cblr-14253	449	23	includes	include	VERB
cblr-14253	449	24	,	,	PUNCT
cblr-14253	449	25	“	"	PUNCT
cblr-14253	449	26	[	[	X
cblr-14253	449	27	w]ithout	w]ithout	ADP
cblr-14253	449	28	limitation	limitation	NOUN
cblr-14253	449	29	,	,	PUNCT
cblr-14253	449	30	”	"	PUNCT
cblr-14253	449	31	“	"	PUNCT
cblr-14253	449	32	discounts	discount	NOUN
cblr-14253	449	33	,	,	PUNCT
cblr-14253	449	34	”	"	PUNCT
cblr-14253	449	35	“	"	PUNCT
cblr-14253	449	36	the	the	DET
cblr-14253	449	37	opportunity	opportunity	NOUN
cblr-14253	449	38	to	to	PART
cblr-14253	449	39	participate	participate	VERB
cblr-14253	449	40	in	in	ADP
cblr-14253	449	41	a	a	DET
cblr-14253	449	42	82	82	NUM
cblr-14253	449	43	12	12	NUM
cblr-14253	449	44	u.s.c	u.s.c	NOUN
cblr-14253	449	45	.	.	PUNCT
cblr-14253	450	1	§	§	PROPN
cblr-14253	450	2	2602(7	2602(7	NUM
cblr-14253	450	3	)	)	PUNCT
cblr-14253	450	4	(	(	PUNCT
cblr-14253	450	5	emphasis	emphasis	NOUN
cblr-14253	450	6	added	add	VERB
cblr-14253	450	7	)	)	PUNCT
cblr-14253	450	8	.	.	PUNCT
cblr-14253	451	1	83	83	NUM
cblr-14253	451	2	12	12	NUM
cblr-14253	451	3	u.s.c	u.s.c	NOUN
cblr-14253	451	4	.	.	PUNCT
cblr-14253	452	1	§	§	PROPN
cblr-14253	452	2	2607(c)(4	2607(c)(4	NUM
cblr-14253	452	3	)	)	PUNCT
cblr-14253	452	4	;	;	PUNCT
cblr-14253	452	5	12	12	NUM
cblr-14253	452	6	c.f.r	c.f.r	NOUN
cblr-14253	452	7	.	.	PUNCT
cblr-14253	453	1	§	§	PROPN
cblr-14253	453	2	1024.15(b	1024.15(b	NUM
cblr-14253	453	3	)	)	PUNCT
cblr-14253	453	4	.	.	PUNCT
cblr-14253	454	1	84	84	NUM
cblr-14253	454	2	12	12	NUM
cblr-14253	454	3	c.f.r	c.f.r	NOUN
cblr-14253	454	4	.	.	PUNCT
cblr-14253	455	1	§	§	PROPN
cblr-14253	455	2	1024.15(b)(1	1024.15(b)(1	NUM
cblr-14253	455	3	)	)	PUNCT
cblr-14253	455	4	.	.	PUNCT
cblr-14253	456	1	there	there	PRON
cblr-14253	456	2	is	be	VERB
cblr-14253	456	3	considerable	considerable	ADJ
cblr-14253	456	4	debate	debate	NOUN
cblr-14253	456	5	over	over	ADP
cblr-14253	456	6	whether	whether	SCONJ
cblr-14253	456	7	consumers	consumer	NOUN
cblr-14253	456	8	read	read	VERB
cblr-14253	456	9	or	or	CCONJ
cblr-14253	456	10	understand	understand	VERB
cblr-14253	456	11	these	these	DET
cblr-14253	456	12	opaque	opaque	ADJ
cblr-14253	456	13	disclosures	disclosure	NOUN
cblr-14253	456	14	.	.	PUNCT
cblr-14253	457	1	the	the	DET
cblr-14253	457	2	efficacy	efficacy	NOUN
cblr-14253	457	3	of	of	ADP
cblr-14253	457	4	these	these	DET
cblr-14253	457	5	disclosures	disclosure	NOUN
cblr-14253	457	6	is	be	AUX
cblr-14253	457	7	discussed	discuss	VERB
cblr-14253	457	8	further	far	ADV
cblr-14253	457	9	in	in	ADP
cblr-14253	457	10	part	part	NOUN
cblr-14253	457	11	iv	iv	NUM
cblr-14253	457	12	infra	infra	NOUN
cblr-14253	457	13	.	.	PUNCT
cblr-14253	458	1	85	85	NUM
cblr-14253	458	2	12	12	NUM
cblr-14253	458	3	c.f.r	c.f.r	NOUN
cblr-14253	458	4	.	.	PUNCT
cblr-14253	459	1	§	§	PROPN
cblr-14253	459	2	1024.15(b)(2	1024.15(b)(2	NUM
cblr-14253	459	3	)	)	PUNCT
cblr-14253	459	4	.	.	PUNCT
cblr-14253	460	1	86	86	NUM
cblr-14253	461	1	i	i	PRON
cblr-14253	461	2	d.	d.	PROPN
cblr-14253	461	3	§	§	PROPN
cblr-14253	461	4	1024.15(b)(3	1024.15(b)(3	NUM
cblr-14253	461	5	)	)	PUNCT
cblr-14253	461	6	(	(	PUNCT
cblr-14253	461	7	emphasis	emphasis	NOUN
cblr-14253	461	8	added	add	VERB
cblr-14253	461	9	)	)	PUNCT
cblr-14253	461	10	.	.	PUNCT
cblr-14253	462	1	87	87	NUM
cblr-14253	462	2	12	12	NUM
cblr-14253	462	3	u.s.c	u.s.c	NOUN
cblr-14253	462	4	.	.	PUNCT
cblr-14253	463	1	§	§	PROPN
cblr-14253	463	2	2602(2	2602(2	NUM
cblr-14253	463	3	)	)	PUNCT
cblr-14253	463	4	.	.	PUNCT
cblr-14253	464	1	no	no	INTJ
cblr-14253	464	2	.	.	NOUN
cblr-14253	465	1	1	1	NUM
cblr-14253	465	2	]	]	PUNCT
cblr-14253	465	3	corrupt	corrupt	ADJ
cblr-14253	465	4	joint	joint	ADJ
cblr-14253	465	5	ventures	venture	NOUN
cblr-14253	465	6	419	419	NUM
cblr-14253	465	7	money	money	NOUN
cblr-14253	465	8	-	-	PUNCT
cblr-14253	465	9	making	make	VERB
cblr-14253	465	10	program	program	NOUN
cblr-14253	465	11	,	,	PUNCT
cblr-14253	465	12	”	"	PUNCT
cblr-14253	465	13	and	and	CCONJ
cblr-14253	465	14	“	"	PUNCT
cblr-14253	465	15	increased	increase	VERB
cblr-14253	465	16	equity	equity	NOUN
cblr-14253	465	17	in	in	ADP
cblr-14253	465	18	a	a	DET
cblr-14253	465	19	parent	parent	NOUN
cblr-14253	465	20	or	or	CCONJ
cblr-14253	465	21	subsidiary	subsidiary	NOUN
cblr-14253	465	22	entity	entity	NOUN
cblr-14253	465	23	.	.	PUNCT
cblr-14253	466	1	”88	”88	ADJ
cblr-14253	466	2	if	if	SCONJ
cblr-14253	466	3	the	the	DET
cblr-14253	466	4	sponsoring	sponsor	VERB
cblr-14253	466	5	business	business	NOUN
cblr-14253	466	6	offers	offer	VERB
cblr-14253	466	7	an	an	DET
cblr-14253	466	8	ownership	ownership	NOUN
cblr-14253	466	9	share	share	NOUN
cblr-14253	466	10	of	of	ADP
cblr-14253	466	11	a	a	DET
cblr-14253	466	12	joint	joint	ADJ
cblr-14253	466	13	venture	venture	NOUN
cblr-14253	466	14	at	at	ADP
cblr-14253	466	15	a	a	DET
cblr-14253	466	16	discounted	discount	VERB
cblr-14253	466	17	price	price	NOUN
cblr-14253	466	18	,	,	PUNCT
cblr-14253	466	19	then	then	ADV
cblr-14253	466	20	this	this	DET
cblr-14253	466	21	discount	discount	NOUN
cblr-14253	466	22	is	be	AUX
cblr-14253	466	23	itself	itself	PRON
cblr-14253	466	24	a	a	DET
cblr-14253	466	25	thing	thing	NOUN
cblr-14253	466	26	of	of	ADP
cblr-14253	466	27	value	value	NOUN
cblr-14253	466	28	provided	provide	VERB
cblr-14253	466	29	to	to	ADP
cblr-14253	466	30	the	the	DET
cblr-14253	466	31	referring	refer	VERB
cblr-14253	466	32	party	party	NOUN
cblr-14253	466	33	in	in	ADP
cblr-14253	466	34	violation	violation	NOUN
cblr-14253	466	35	of	of	ADP
cblr-14253	466	36	the	the	DET
cblr-14253	466	37	plain	plain	ADJ
cblr-14253	466	38	language	language	NOUN
cblr-14253	466	39	of	of	ADP
cblr-14253	466	40	rule	rule	NOUN
cblr-14253	466	41	,	,	PUNCT
cblr-14253	466	42	because	because	SCONJ
cblr-14253	466	43	this	this	DET
cblr-14253	466	44	“	"	PUNCT
cblr-14253	466	45	thing	thing	NOUN
cblr-14253	466	46	of	of	ADP
cblr-14253	466	47	value	value	NOUN
cblr-14253	466	48	”	"	PUNCT
cblr-14253	466	49	is	be	AUX
cblr-14253	466	50	different	different	ADJ
cblr-14253	466	51	from	from	ADP
cblr-14253	466	52	a	a	DET
cblr-14253	466	53	permitted	permit	VERB
cblr-14253	466	54	“	"	PUNCT
cblr-14253	466	55	return	return	VERB
cblr-14253	466	56	on	on	ADP
cblr-14253	466	57	an	an	DET
cblr-14253	466	58	ownership	ownership	NOUN
cblr-14253	466	59	interest	interest	NOUN
cblr-14253	466	60	.	.	PUNCT
cblr-14253	466	61	”	"	PUNCT
cblr-14253	467	1	the	the	DET
cblr-14253	467	2	only	only	ADJ
cblr-14253	467	3	thing	thing	NOUN
cblr-14253	467	4	of	of	ADP
cblr-14253	467	5	value	value	NOUN
cblr-14253	467	6	that	that	PRON
cblr-14253	467	7	compliant	compliant	ADJ
cblr-14253	467	8	affiliated	affiliate	VERB
cblr-14253	467	9	-	-	PUNCT
cblr-14253	467	10	business	business	NOUN
cblr-14253	467	11	arrangements	arrangement	NOUN
cblr-14253	467	12	may	may	AUX
cblr-14253	467	13	provide	provide	VERB
cblr-14253	467	14	to	to	ADP
cblr-14253	467	15	their	their	PRON
cblr-14253	467	16	participants	participant	NOUN
cblr-14253	467	17	is	be	AUX
cblr-14253	467	18	a	a	DET
cblr-14253	467	19	return	return	NOUN
cblr-14253	467	20	on	on	ADP
cblr-14253	467	21	an	an	DET
cblr-14253	467	22	ownership	ownership	NOUN
cblr-14253	467	23	interest	interest	NOUN
cblr-14253	467	24	.	.	PUNCT
cblr-14253	468	1	in	in	ADP
cblr-14253	468	2	discounted	discount	VERB
cblr-14253	468	3	joint	joint	ADJ
cblr-14253	468	4	ventures	venture	NOUN
cblr-14253	468	5	,	,	PUNCT
cblr-14253	468	6	the	the	DET
cblr-14253	468	7	referring	refer	VERB
cblr-14253	468	8	party	party	NOUN
cblr-14253	468	9	receives	receive	VERB
cblr-14253	468	10	an	an	DET
cblr-14253	468	11	equity	equity	NOUN
cblr-14253	468	12	return	return	NOUN
cblr-14253	468	13	plus	plus	CCONJ
cblr-14253	468	14	a	a	DET
cblr-14253	468	15	discount	discount	NOUN
cblr-14253	468	16	if	if	SCONJ
cblr-14253	468	17	the	the	DET
cblr-14253	468	18	equity	equity	NOUN
cblr-14253	468	19	share	share	NOUN
cblr-14253	468	20	is	be	AUX
cblr-14253	468	21	purchased	purchase	VERB
cblr-14253	468	22	at	at	ADP
cblr-14253	468	23	a	a	DET
cblr-14253	468	24	cost	cost	NOUN
cblr-14253	468	25	that	that	PRON
cblr-14253	468	26	is	be	AUX
cblr-14253	468	27	below	below	ADP
cblr-14253	468	28	fair	fair	ADJ
cblr-14253	468	29	-	-	PUNCT
cblr-14253	468	30	market	market	NOUN
cblr-14253	468	31	value.89	value.89	NOUN
cblr-14253	468	32	take	take	VERB
cblr-14253	468	33	the	the	DET
cblr-14253	468	34	example	example	NOUN
cblr-14253	468	35	of	of	ADP
cblr-14253	468	36	a	a	DET
cblr-14253	468	37	joint	joint	ADJ
cblr-14253	468	38	venture	venture	NOUN
cblr-14253	468	39	between	between	ADP
cblr-14253	468	40	an	an	DET
cblr-14253	468	41	established	establish	VERB
cblr-14253	468	42	title	title	NOUN
cblr-14253	468	43	company	company	NOUN
cblr-14253	468	44	and	and	CCONJ
cblr-14253	468	45	a	a	DET
cblr-14253	468	46	real	real	ADJ
cblr-14253	468	47	-	-	PUNCT
cblr-14253	468	48	estate	estate	NOUN
cblr-14253	468	49	agent	agent	NOUN
cblr-14253	468	50	,	,	PUNCT
cblr-14253	468	51	as	as	SCONJ
cblr-14253	468	52	illustrated	illustrate	VERB
cblr-14253	468	53	in	in	ADP
cblr-14253	468	54	figure	figure	NOUN
cblr-14253	468	55	1.90	1.90	NUM
cblr-14253	468	56	in	in	ADP
cblr-14253	468	57	forming	form	VERB
cblr-14253	468	58	this	this	DET
cblr-14253	468	59	joint	joint	ADJ
cblr-14253	468	60	venture	venture	NOUN
cblr-14253	468	61	,	,	PUNCT
cblr-14253	468	62	the	the	DET
cblr-14253	468	63	sponsoring	sponsor	VERB
cblr-14253	468	64	title	title	NOUN
cblr-14253	468	65	company	company	NOUN
cblr-14253	468	66	is	be	AUX
cblr-14253	468	67	offering	offer	VERB
cblr-14253	468	68	the	the	DET
cblr-14253	468	69	real	real	ADJ
cblr-14253	468	70	-	-	PUNCT
cblr-14253	468	71	estate	estate	NOUN
cblr-14253	468	72	agent	agent	NOUN
cblr-14253	468	73	an	an	DET
cblr-14253	468	74	opportunity	opportunity	NOUN
cblr-14253	468	75	to	to	PART
cblr-14253	468	76	purchase	purchase	VERB
cblr-14253	468	77	equity	equity	NOUN
cblr-14253	468	78	in	in	ADP
cblr-14253	468	79	the	the	DET
cblr-14253	468	80	proposed	propose	VERB
cblr-14253	468	81	joint	joint	ADJ
cblr-14253	468	82	venture	venture	NOUN
cblr-14253	468	83	.	.	PUNCT
cblr-14253	469	1	to	to	PART
cblr-14253	469	2	set	set	VERB
cblr-14253	469	3	up	up	ADP
cblr-14253	469	4	a	a	DET
cblr-14253	469	5	compliant	compliant	ADJ
cblr-14253	469	6	affiliated	affiliate	VERB
cblr-14253	469	7	-	-	PUNCT
cblr-14253	469	8	business	business	NOUN
cblr-14253	469	9	arrangement	arrangement	NOUN
cblr-14253	469	10	,	,	PUNCT
cblr-14253	469	11	the	the	DET
cblr-14253	469	12	real	real	ADJ
cblr-14253	469	13	-	-	PUNCT
cblr-14253	469	14	estate	estate	NOUN
cblr-14253	469	15	agent	agent	NOUN
cblr-14253	469	16	must	must	AUX
cblr-14253	469	17	pay	pay	VERB
cblr-14253	469	18	a	a	DET
cblr-14253	469	19	full	full	ADJ
cblr-14253	469	20	,	,	PUNCT
cblr-14253	469	21	fair	fair	ADJ
cblr-14253	469	22	-	-	PUNCT
cblr-14253	469	23	market	market	NOUN
cblr-14253	469	24	price	price	NOUN
cblr-14253	469	25	for	for	ADP
cblr-14253	469	26	their	their	PRON
cblr-14253	469	27	ownership	ownership	NOUN
cblr-14253	469	28	stake	stake	NOUN
cblr-14253	469	29	in	in	ADP
cblr-14253	469	30	the	the	DET
cblr-14253	469	31	affiliated	affiliated	ADJ
cblr-14253	469	32	business	business	NOUN
cblr-14253	469	33	.	.	PUNCT
cblr-14253	470	1	in	in	ADP
cblr-14253	470	2	figure	figure	NOUN
cblr-14253	470	3	1	1	NUM
cblr-14253	470	4	,	,	PUNCT
cblr-14253	470	5	if	if	SCONJ
cblr-14253	470	6	the	the	DET
cblr-14253	470	7	real	real	ADJ
cblr-14253	470	8	-	-	PUNCT
cblr-14253	470	9	estate	estate	NOUN
cblr-14253	470	10	agent	agent	NOUN
cblr-14253	470	11	receives	receive	VERB
cblr-14253	470	12	an	an	DET
cblr-14253	470	13	opportunity	opportunity	NOUN
cblr-14253	470	14	to	to	PART
cblr-14253	470	15	buy	buy	VERB
cblr-14253	470	16	an	an	DET
cblr-14253	470	17	equity	equity	NOUN
cblr-14253	470	18	share	share	NOUN
cblr-14253	470	19	of	of	ADP
cblr-14253	470	20	the	the	DET
cblr-14253	470	21	joint	joint	ADJ
cblr-14253	470	22	venture	venture	NOUN
cblr-14253	470	23	at	at	ADP
cblr-14253	470	24	a	a	DET
cblr-14253	470	25	below	below	ADJ
cblr-14253	470	26	-	-	PUNCT
cblr-14253	470	27	market	market	NOUN
cblr-14253	470	28	price	price	NOUN
cblr-14253	470	29	,	,	PUNCT
cblr-14253	470	30	then	then	ADV
cblr-14253	470	31	the	the	DET
cblr-14253	470	32	referring	refer	VERB
cblr-14253	470	33	party	party	NOUN
cblr-14253	470	34	receives	receive	VERB
cblr-14253	470	35	a	a	DET
cblr-14253	470	36	“	"	PUNCT
cblr-14253	470	37	discount	discount	NOUN
cblr-14253	470	38	[	[	X
cblr-14253	470	39	]	]	X
cblr-14253	470	40	,	,	PUNCT
cblr-14253	470	41	”	"	PUNCT
cblr-14253	470	42	which	which	PRON
cblr-14253	470	43	qualifies	qualify	VERB
cblr-14253	470	44	as	as	ADP
cblr-14253	470	45	a	a	DET
cblr-14253	470	46	“	"	PUNCT
cblr-14253	470	47	thing	thing	NOUN
cblr-14253	470	48	of	of	ADP
cblr-14253	470	49	value	value	NOUN
cblr-14253	470	50	”	"	PUNCT
cblr-14253	470	51	by	by	ADP
cblr-14253	470	52	law.91	law.91	ADJ
cblr-14253	470	53	a	a	DET
cblr-14253	470	54	compliant	compliant	ADJ
cblr-14253	470	55	affiliated	affiliate	VERB
cblr-14253	470	56	-	-	PUNCT
cblr-14253	470	57	business	business	NOUN
cblr-14253	470	58	arrangement	arrangement	NOUN
cblr-14253	470	59	can	can	AUX
cblr-14253	470	60	not	not	PART
cblr-14253	470	61	arise	arise	VERB
cblr-14253	470	62	unless	unless	SCONJ
cblr-14253	470	63	“	"	PUNCT
cblr-14253	470	64	the	the	DET
cblr-14253	470	65	only	only	ADJ
cblr-14253	470	66	thing	thing	NOUN
cblr-14253	470	67	of	of	ADP
cblr-14253	470	68	value	value	NOUN
cblr-14253	470	69	”	"	PUNCT
cblr-14253	470	70	received	receive	VERB
cblr-14253	470	71	by	by	ADP
cblr-14253	470	72	the	the	DET
cblr-14253	470	73	realestate	realestate	NOUN
cblr-14253	470	74	agent	agent	NOUN
cblr-14253	470	75	is	be	AUX
cblr-14253	470	76	a	a	DET
cblr-14253	470	77	return	return	NOUN
cblr-14253	470	78	on	on	ADP
cblr-14253	470	79	an	an	DET
cblr-14253	470	80	equity	equity	NOUN
cblr-14253	470	81	share	share	NOUN
cblr-14253	470	82	.	.	PUNCT
cblr-14253	471	1	in	in	ADP
cblr-14253	471	2	figure	figure	NOUN
cblr-14253	471	3	1	1	NUM
cblr-14253	471	4	,	,	PUNCT
cblr-14253	471	5	the	the	DET
cblr-14253	471	6	88	88	NUM
cblr-14253	471	7	12	12	NUM
cblr-14253	471	8	c.f.r	c.f.r	NOUN
cblr-14253	471	9	.	.	PUNCT
cblr-14253	472	1	§	§	PROPN
cblr-14253	472	2	1024.14(d	1024.14(d	NUM
cblr-14253	472	3	)	)	PUNCT
cblr-14253	472	4	.	.	PUNCT
cblr-14253	473	1	89	89	NUM
cblr-14253	473	2	the	the	DET
cblr-14253	473	3	mere	mere	ADJ
cblr-14253	473	4	fact	fact	NOUN
cblr-14253	473	5	that	that	SCONJ
cblr-14253	473	6	the	the	DET
cblr-14253	473	7	established	establish	VERB
cblr-14253	473	8	business	business	NOUN
cblr-14253	473	9	offering	offer	VERB
cblr-14253	473	10	a	a	DET
cblr-14253	473	11	discounted	discount	VERB
cblr-14253	473	12	opportunity	opportunity	NOUN
cblr-14253	473	13	to	to	PART
cblr-14253	473	14	invest	invest	VERB
cblr-14253	473	15	does	do	AUX
cblr-14253	473	16	not	not	PART
cblr-14253	473	17	pay	pay	VERB
cblr-14253	473	18	money	money	NOUN
cblr-14253	473	19	to	to	ADP
cblr-14253	473	20	the	the	DET
cblr-14253	473	21	real	real	ADJ
cblr-14253	473	22	-	-	PUNCT
cblr-14253	473	23	estate	estate	NOUN
cblr-14253	473	24	agent	agent	NOUN
cblr-14253	473	25	during	during	ADP
cblr-14253	473	26	formation	formation	NOUN
cblr-14253	473	27	of	of	ADP
cblr-14253	473	28	the	the	DET
cblr-14253	473	29	joint	joint	ADJ
cblr-14253	473	30	venture	venture	NOUN
cblr-14253	473	31	is	be	AUX
cblr-14253	473	32	immaterial	immaterial	ADJ
cblr-14253	473	33	because	because	SCONJ
cblr-14253	473	34	,	,	PUNCT
cblr-14253	473	35	in	in	ADP
cblr-14253	473	36	regulation	regulation	NOUN
cblr-14253	473	37	x	x	NOUN
cblr-14253	473	38	,	,	PUNCT
cblr-14253	473	39	“	"	PUNCT
cblr-14253	473	40	payment	payment	NOUN
cblr-14253	473	41	”	"	PUNCT
cblr-14253	473	42	is	be	AUX
cblr-14253	473	43	used	use	VERB
cblr-14253	473	44	synonymously	synonymously	ADV
cblr-14253	473	45	with	with	ADP
cblr-14253	473	46	the	the	DET
cblr-14253	473	47	giving	giving	NOUN
cblr-14253	473	48	or	or	CCONJ
cblr-14253	473	49	receiving	receiving	NOUN
cblr-14253	473	50	of	of	ADP
cblr-14253	473	51	a	a	DET
cblr-14253	473	52	“	"	PUNCT
cblr-14253	473	53	thing	thing	NOUN
cblr-14253	473	54	of	of	ADP
cblr-14253	473	55	value	value	NOUN
cblr-14253	473	56	.	.	PUNCT
cblr-14253	473	57	”	"	PUNCT
cblr-14253	474	1	see	see	VERB
cblr-14253	474	2	12	12	NUM
cblr-14253	474	3	c.f.r	c.f.r	NOUN
cblr-14253	474	4	.	.	PUNCT
cblr-14253	475	1	§	§	PROPN
cblr-14253	475	2	§	§	PROPN
cblr-14253	475	3	1024.14	1024.14	NUM
cblr-14253	475	4	,	,	PUNCT
cblr-14253	475	5	1024.15	1024.15	NUM
cblr-14253	475	6	.	.	PUNCT
cblr-14253	476	1	it	it	PRON
cblr-14253	476	2	does	do	AUX
cblr-14253	476	3	not	not	PART
cblr-14253	476	4	require	require	VERB
cblr-14253	476	5	the	the	DET
cblr-14253	476	6	transfer	transfer	NOUN
cblr-14253	476	7	of	of	ADP
cblr-14253	476	8	money	money	NOUN
cblr-14253	476	9	.	.	PUNCT
cblr-14253	477	1	see	see	VERB
cblr-14253	477	2	12	12	NUM
cblr-14253	477	3	c.f.r	c.f.r	NOUN
cblr-14253	477	4	.	.	PUNCT
cblr-14253	478	1	§	§	PROPN
cblr-14253	478	2	1024.14(d	1024.14(d	NUM
cblr-14253	478	3	)	)	PUNCT
cblr-14253	479	1	;	;	PUNCT
cblr-14253	479	2	see	see	VERB
cblr-14253	479	3	also	also	ADV
cblr-14253	479	4	real	real	ADJ
cblr-14253	479	5	estate	estate	NOUN
cblr-14253	479	6	settlement	settlement	NOUN
cblr-14253	479	7	procedures	procedure	NOUN
cblr-14253	479	8	act	act	VERB
cblr-14253	479	9	faqs	faq	NOUN
cblr-14253	479	10	,	,	PUNCT
cblr-14253	479	11	consumer	consumer	NOUN
cblr-14253	479	12	fin	fin	NOUN
cblr-14253	479	13	.	.	PUNCT
cblr-14253	480	1	prot	prot	PROPN
cblr-14253	480	2	.	.	PUNCT
cblr-14253	481	1	bureau	bureau	PROPN
cblr-14253	481	2	(	(	PUNCT
cblr-14253	481	3	oct	oct	PROPN
cblr-14253	481	4	.	.	PROPN
cblr-14253	481	5	7	7	NUM
cblr-14253	481	6	,	,	PUNCT
cblr-14253	481	7	2020	2020	NUM
cblr-14253	481	8	)	)	PUNCT
cblr-14253	481	9	,	,	PUNCT
cblr-14253	481	10	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	ADP
cblr-14253	482	1	[	[	X
cblr-14253	482	2	https://perma.cc/l7zp-wx9r	https://perma.cc/l7zp-wx9r	ADJ
cblr-14253	482	3	]	]	X
cblr-14253	482	4	.	.	PUNCT
cblr-14253	483	1	90	90	NUM
cblr-14253	483	2	see	see	VERB
cblr-14253	483	3	supra	supra	ADJ
cblr-14253	483	4	figure	figure	NOUN
cblr-14253	483	5	1	1	NUM
cblr-14253	483	6	.	.	NOUN
cblr-14253	483	7	91	91	NUM
cblr-14253	483	8	12	12	NUM
cblr-14253	483	9	c.f.r	c.f.r	NOUN
cblr-14253	483	10	.	.	PUNCT
cblr-14253	484	1	§	§	PROPN
cblr-14253	484	2	1024.14(d	1024.14(d	NUM
cblr-14253	484	3	)	)	PUNCT
cblr-14253	484	4	.	.	PUNCT
cblr-14253	485	1	see	see	VERB
cblr-14253	485	2	also	also	ADV
cblr-14253	485	3	12	12	NUM
cblr-14253	485	4	u.s.c	u.s.c	ADJ
cblr-14253	485	5	.	.	PUNCT
cblr-14253	486	1	§	§	PROPN
cblr-14253	486	2	2602(2	2602(2	NUM
cblr-14253	486	3	)	)	PUNCT
cblr-14253	486	4	.	.	PUNCT
cblr-14253	487	1	420	420	NUM
cblr-14253	487	2	columbia	columbia	PROPN
cblr-14253	487	3	business	business	NOUN
cblr-14253	487	4	law	law	PROPN
cblr-14253	487	5	review	review	NOUN
cblr-14253	487	6	[	[	X
cblr-14253	487	7	vol	vol	NOUN
cblr-14253	487	8	.	.	PUNCT
cblr-14253	487	9	2025	2025	NUM
cblr-14253	487	10	real	real	ADJ
cblr-14253	487	11	-	-	PUNCT
cblr-14253	487	12	estate	estate	NOUN
cblr-14253	487	13	agent	agent	NOUN
cblr-14253	487	14	receives	receive	VERB
cblr-14253	487	15	both	both	CCONJ
cblr-14253	487	16	a	a	DET
cblr-14253	487	17	return	return	NOUN
cblr-14253	487	18	on	on	ADP
cblr-14253	487	19	an	an	DET
cblr-14253	487	20	equity	equity	NOUN
cblr-14253	487	21	share	share	NOUN
cblr-14253	487	22	and	and	CCONJ
cblr-14253	487	23	a	a	DET
cblr-14253	487	24	discount	discount	NOUN
cblr-14253	487	25	on	on	ADP
cblr-14253	487	26	the	the	DET
cblr-14253	487	27	purchase	purchase	NOUN
cblr-14253	487	28	price	price	NOUN
cblr-14253	487	29	of	of	ADP
cblr-14253	487	30	that	that	DET
cblr-14253	487	31	share	share	NOUN
cblr-14253	487	32	.	.	PUNCT
cblr-14253	488	1	since	since	SCONJ
cblr-14253	488	2	the	the	DET
cblr-14253	488	3	safe	safe	ADJ
cblr-14253	488	4	harbor	harbor	NOUN
cblr-14253	488	5	is	be	AUX
cblr-14253	488	6	facially	facially	ADV
cblr-14253	488	7	unavailable	unavailable	ADJ
cblr-14253	488	8	,	,	PUNCT
cblr-14253	488	9	the	the	DET
cblr-14253	488	10	underlying	underlie	VERB
cblr-14253	488	11	elements	element	NOUN
cblr-14253	488	12	of	of	ADP
cblr-14253	488	13	a	a	DET
cblr-14253	488	14	respa	respa	PROPN
cblr-14253	488	15	kickback	kickback	NOUN
cblr-14253	488	16	violation	violation	NOUN
cblr-14253	488	17	are	be	AUX
cblr-14253	488	18	easily	easily	ADV
cblr-14253	488	19	met	meet	VERB
cblr-14253	488	20	.	.	PUNCT
cblr-14253	489	1	the	the	DET
cblr-14253	489	2	real	real	ADJ
cblr-14253	489	3	-	-	PUNCT
cblr-14253	489	4	estate	estate	NOUN
cblr-14253	489	5	agent	agent	NOUN
cblr-14253	489	6	receives	receive	VERB
cblr-14253	489	7	things	thing	NOUN
cblr-14253	489	8	of	of	ADP
cblr-14253	489	9	value	value	NOUN
cblr-14253	489	10	—	—	PUNCT
cblr-14253	489	11	the	the	DET
cblr-14253	489	12	discounted	discount	VERB
cblr-14253	489	13	investment	investment	NOUN
cblr-14253	489	14	opportunity	opportunity	NOUN
cblr-14253	489	15	and	and	CCONJ
cblr-14253	489	16	dividends	dividend	NOUN
cblr-14253	489	17	from	from	ADP
cblr-14253	489	18	the	the	DET
cblr-14253	489	19	joint	joint	ADJ
cblr-14253	489	20	venture	venture	NOUN
cblr-14253	489	21	.	.	PUNCT
cblr-14253	490	1	both	both	DET
cblr-14253	490	2	things	thing	NOUN
cblr-14253	490	3	of	of	ADP
cblr-14253	490	4	value	value	NOUN
cblr-14253	490	5	are	be	AUX
cblr-14253	490	6	provided	provide	VERB
cblr-14253	490	7	“	"	PUNCT
cblr-14253	490	8	pursuant	pursuant	ADJ
cblr-14253	490	9	to	to	ADP
cblr-14253	490	10	”	"	PUNCT
cblr-14253	490	11	an	an	DET
cblr-14253	490	12	agreement	agreement	NOUN
cblr-14253	490	13	to	to	PART
cblr-14253	490	14	refer	refer	VERB
cblr-14253	490	15	settlement	settlement	NOUN
cblr-14253	490	16	business	business	NOUN
cblr-14253	490	17	.	.	PUNCT
cblr-14253	491	1	and	and	CCONJ
cblr-14253	491	2	the	the	DET
cblr-14253	491	3	real	real	ADJ
cblr-14253	491	4	-	-	PUNCT
cblr-14253	491	5	estate	estate	NOUN
cblr-14253	491	6	agent	agent	NOUN
cblr-14253	491	7	refers	refer	VERB
cblr-14253	491	8	business	business	NOUN
cblr-14253	491	9	to	to	ADP
cblr-14253	491	10	the	the	DET
cblr-14253	491	11	joint	joint	ADJ
cblr-14253	491	12	venture	venture	NOUN
cblr-14253	491	13	.	.	PUNCT
cblr-14253	492	1	if	if	SCONJ
cblr-14253	492	2	,	,	PUNCT
cblr-14253	492	3	as	as	SCONJ
cblr-14253	492	4	regulation	regulation	NOUN
cblr-14253	492	5	x	x	SYM
cblr-14253	492	6	demands	demand	NOUN
cblr-14253	492	7	,	,	PUNCT
cblr-14253	492	8	a	a	DET
cblr-14253	492	9	“	"	PUNCT
cblr-14253	492	10	discount	discount	NOUN
cblr-14253	492	11	”	"	PUNCT
cblr-14253	492	12	is	be	AUX
cblr-14253	492	13	a	a	DET
cblr-14253	492	14	“	"	PUNCT
cblr-14253	492	15	thing	thing	NOUN
cblr-14253	492	16	of	of	ADP
cblr-14253	492	17	value	value	NOUN
cblr-14253	492	18	,	,	PUNCT
cblr-14253	492	19	”	"	PUNCT
cblr-14253	492	20	then	then	ADV
cblr-14253	492	21	the	the	DET
cblr-14253	492	22	real	real	ADJ
cblr-14253	492	23	-	-	PUNCT
cblr-14253	492	24	estate	estate	NOUN
cblr-14253	492	25	agent	agent	NOUN
cblr-14253	492	26	must	must	AUX
cblr-14253	492	27	pay	pay	VERB
cblr-14253	492	28	a	a	DET
cblr-14253	492	29	fair	fair	ADJ
cblr-14253	492	30	-	-	PUNCT
cblr-14253	492	31	market	market	NOUN
cblr-14253	492	32	price	price	NOUN
cblr-14253	492	33	for	for	ADP
cblr-14253	492	34	their	their	PRON
cblr-14253	492	35	equity	equity	NOUN
cblr-14253	492	36	share	share	NOUN
cblr-14253	492	37	in	in	ADP
cblr-14253	492	38	the	the	DET
cblr-14253	492	39	joint	joint	ADJ
cblr-14253	492	40	venture	venture	NOUN
cblr-14253	492	41	,	,	PUNCT
cblr-14253	492	42	or	or	CCONJ
cblr-14253	492	43	the	the	DET
cblr-14253	492	44	new	new	ADJ
cblr-14253	492	45	business	business	NOUN
cblr-14253	492	46	can	can	AUX
cblr-14253	492	47	not	not	PART
cblr-14253	492	48	qualify	qualify	VERB
cblr-14253	492	49	for	for	ADP
cblr-14253	492	50	the	the	DET
cblr-14253	492	51	affiliated	affiliate	VERB
cblr-14253	492	52	-	-	PUNCT
cblr-14253	492	53	businessarrangement	businessarrangement	NOUN
cblr-14253	492	54	exception	exception	NOUN
cblr-14253	492	55	.	.	PUNCT
cblr-14253	493	1	figure	figure	NOUN
cblr-14253	493	2	1	1	NUM
cblr-14253	493	3	is	be	AUX
cblr-14253	493	4	not	not	PART
cblr-14253	493	5	merely	merely	ADV
cblr-14253	493	6	hypothetical	hypothetical	ADJ
cblr-14253	493	7	;	;	PUNCT
cblr-14253	493	8	the	the	DET
cblr-14253	493	9	diagram	diagram	NOUN
cblr-14253	493	10	is	be	AUX
cblr-14253	493	11	based	base	VERB
cblr-14253	493	12	on	on	ADP
cblr-14253	493	13	an	an	DET
cblr-14253	493	14	actual	actual	ADJ
cblr-14253	493	15	business	business	NOUN
cblr-14253	493	16	document	document	NOUN
cblr-14253	493	17	reproduced	reproduce	VERB
cblr-14253	493	18	in	in	ADP
cblr-14253	493	19	appendix	appendix	NOUN
cblr-14253	493	20	a	a	DET
cblr-14253	493	21	following	follow	VERB
cblr-14253	493	22	this	this	DET
cblr-14253	493	23	article	article	NOUN
cblr-14253	493	24	.	.	PUNCT
cblr-14253	494	1	appendix	appendix	VERB
cblr-14253	494	2	a	a	PRON
cblr-14253	494	3	is	be	AUX
cblr-14253	494	4	a	a	DET
cblr-14253	494	5	screen	screen	NOUN
cblr-14253	494	6	shot	shot	NOUN
cblr-14253	494	7	of	of	ADP
cblr-14253	494	8	a	a	DET
cblr-14253	494	9	“	"	PUNCT
cblr-14253	494	10	pro	pro	ADJ
cblr-14253	494	11	forma	forma	NOUN
cblr-14253	494	12	”	"	PUNCT
cblr-14253	494	13	used	use	VERB
cblr-14253	494	14	by	by	ADP
cblr-14253	494	15	a	a	DET
cblr-14253	494	16	title	title	NOUN
cblr-14253	494	17	company	company	NOUN
cblr-14253	494	18	to	to	PART
cblr-14253	494	19	market	market	VERB
cblr-14253	494	20	a	a	DET
cblr-14253	494	21	joint	joint	ADJ
cblr-14253	494	22	-	-	PUNCT
cblr-14253	494	23	venture	venture	NOUN
cblr-14253	494	24	arrangement	arrangement	NOUN
cblr-14253	494	25	to	to	ADP
cblr-14253	494	26	real	real	ADJ
cblr-14253	494	27	-	-	PUNCT
cblr-14253	494	28	estate	estate	NOUN
cblr-14253	494	29	agents.92	agents.92	NOUN
cblr-14253	494	30	the	the	DET
cblr-14253	494	31	document	document	NOUN
cblr-14253	494	32	sets	set	VERB
cblr-14253	494	33	out	out	ADP
cblr-14253	494	34	terms	term	NOUN
cblr-14253	494	35	of	of	ADP
cblr-14253	494	36	a	a	DET
cblr-14253	494	37	proposed	propose	VERB
cblr-14253	494	38	joint	joint	ADJ
cblr-14253	494	39	venture	venture	NOUN
cblr-14253	494	40	between	between	ADP
cblr-14253	494	41	the	the	DET
cblr-14253	494	42	title	title	NOUN
cblr-14253	494	43	company	company	NOUN
cblr-14253	494	44	and	and	CCONJ
cblr-14253	494	45	up	up	ADP
cblr-14253	494	46	to	to	PART
cblr-14253	494	47	ten	ten	NUM
cblr-14253	494	48	real	real	ADJ
cblr-14253	494	49	-	-	PUNCT
cblr-14253	494	50	estate	estate	NOUN
cblr-14253	494	51	agents	agent	NOUN
cblr-14253	494	52	.	.	PUNCT
cblr-14253	495	1	the	the	DET
cblr-14253	495	2	columns	column	NOUN
cblr-14253	495	3	under	under	ADP
cblr-14253	495	4	the	the	DET
cblr-14253	495	5	heading	heading	NOUN
cblr-14253	495	6	“	"	PUNCT
cblr-14253	495	7	deals	deal	NOUN
cblr-14253	495	8	per	per	ADP
cblr-14253	495	9	month	month	NOUN
cblr-14253	495	10	”	"	PUNCT
cblr-14253	495	11	reflect	reflect	VERB
cblr-14253	495	12	prospective	prospective	ADJ
cblr-14253	495	13	costs	cost	NOUN
cblr-14253	495	14	and	and	CCONJ
cblr-14253	495	15	revenue	revenue	NOUN
cblr-14253	495	16	based	base	VERB
cblr-14253	495	17	on	on	ADP
cblr-14253	495	18	the	the	DET
cblr-14253	495	19	number	number	NOUN
cblr-14253	495	20	of	of	ADP
cblr-14253	495	21	homes	home	NOUN
cblr-14253	495	22	each	each	DET
cblr-14253	495	23	month	month	NOUN
cblr-14253	495	24	that	that	SCONJ
cblr-14253	495	25	participating	participate	VERB
cblr-14253	495	26	real	real	ADJ
cblr-14253	495	27	-	-	PUNCT
cblr-14253	495	28	estate	estate	NOUN
cblr-14253	495	29	agents	agent	NOUN
cblr-14253	495	30	sell	sell	VERB
cblr-14253	495	31	in	in	ADP
cblr-14253	495	32	combination	combination	NOUN
cblr-14253	495	33	with	with	ADP
cblr-14253	495	34	titleinsurance	titleinsurance	NOUN
cblr-14253	495	35	and	and	CCONJ
cblr-14253	495	36	escrow	escrow	NOUN
cblr-14253	495	37	services	service	NOUN
cblr-14253	495	38	provided	provide	VERB
cblr-14253	495	39	by	by	ADP
cblr-14253	495	40	the	the	DET
cblr-14253	495	41	joint	joint	ADJ
cblr-14253	495	42	venture	venture	NOUN
cblr-14253	495	43	.	.	PUNCT
cblr-14253	496	1	based	base	VERB
cblr-14253	496	2	on	on	ADP
cblr-14253	496	3	these	these	DET
cblr-14253	496	4	sales	sale	NOUN
cblr-14253	496	5	estimates	estimate	NOUN
cblr-14253	496	6	,	,	PUNCT
cblr-14253	496	7	the	the	DET
cblr-14253	496	8	pro	pro	ADJ
cblr-14253	496	9	forma	forma	PROPN
cblr-14253	496	10	’s	’s	PART
cblr-14253	496	11	bottom	bottom	ADJ
cblr-14253	496	12	rows	row	NOUN
cblr-14253	496	13	set	set	VERB
cblr-14253	496	14	out	out	ADP
cblr-14253	496	15	total	total	ADJ
cblr-14253	496	16	net	net	ADJ
cblr-14253	496	17	profits	profit	NOUN
cblr-14253	496	18	of	of	ADP
cblr-14253	496	19	the	the	DET
cblr-14253	496	20	joint	joint	ADJ
cblr-14253	496	21	venture	venture	NOUN
cblr-14253	496	22	.	.	PUNCT
cblr-14253	497	1	and	and	CCONJ
cblr-14253	497	2	,	,	PUNCT
cblr-14253	497	3	critically	critically	ADV
cblr-14253	497	4	,	,	PUNCT
cblr-14253	497	5	the	the	DET
cblr-14253	497	6	third	third	ADJ
cblr-14253	497	7	column	column	NOUN
cblr-14253	497	8	from	from	ADP
cblr-14253	497	9	the	the	DET
cblr-14253	497	10	right	right	NOUN
cblr-14253	497	11	,	,	PUNCT
cblr-14253	497	12	in	in	ADP
cblr-14253	497	13	the	the	DET
cblr-14253	497	14	bottom	bottom	ADJ
cblr-14253	497	15	rows	row	NOUN
cblr-14253	497	16	,	,	PUNCT
cblr-14253	497	17	sets	set	VERB
cblr-14253	497	18	out	out	ADP
cblr-14253	497	19	how	how	SCONJ
cblr-14253	497	20	much	much	ADJ
cblr-14253	497	21	each	each	DET
cblr-14253	497	22	real	real	ADJ
cblr-14253	497	23	-	-	PUNCT
cblr-14253	497	24	estate	estate	NOUN
cblr-14253	497	25	agent	agent	NOUN
cblr-14253	497	26	must	must	AUX
cblr-14253	497	27	pay	pay	VERB
cblr-14253	497	28	to	to	PART
cblr-14253	497	29	purchase	purchase	VERB
cblr-14253	497	30	equity	equity	NOUN
cblr-14253	497	31	shares	share	NOUN
cblr-14253	497	32	of	of	ADP
cblr-14253	497	33	the	the	DET
cblr-14253	497	34	proposed	propose	VERB
cblr-14253	497	35	joint	joint	ADJ
cblr-14253	497	36	venture	venture	NOUN
cblr-14253	497	37	.	.	PUNCT
cblr-14253	498	1	for	for	ADP
cblr-14253	498	2	example	example	NOUN
cblr-14253	498	3	,	,	PUNCT
cblr-14253	498	4	the	the	DET
cblr-14253	498	5	title	title	NOUN
cblr-14253	498	6	company	company	NOUN
cblr-14253	498	7	in	in	ADP
cblr-14253	498	8	appendix	appendix	NOUN
cblr-14253	498	9	a	a	PRON
cblr-14253	498	10	is	be	AUX
cblr-14253	498	11	offering	offer	VERB
cblr-14253	498	12	a	a	DET
cblr-14253	498	13	2	2	NUM
cblr-14253	498	14	%	%	NOUN
cblr-14253	498	15	equity	equity	NOUN
cblr-14253	498	16	share	share	NOUN
cblr-14253	498	17	in	in	ADP
cblr-14253	498	18	the	the	DET
cblr-14253	498	19	joint	joint	ADJ
cblr-14253	498	20	venture	venture	NOUN
cblr-14253	498	21	for	for	ADP
cblr-14253	498	22	only	only	ADV
cblr-14253	498	23	$	$	SYM
cblr-14253	498	24	1,200	1,200	NUM
cblr-14253	498	25	.	.	PUNCT
cblr-14253	499	1	in	in	ADP
cblr-14253	499	2	exchange	exchange	NOUN
cblr-14253	499	3	,	,	PUNCT
cblr-14253	499	4	assuming	assume	VERB
cblr-14253	499	5	the	the	DET
cblr-14253	499	6	joint	joint	ADJ
cblr-14253	499	7	venture	venture	NOUN
cblr-14253	499	8	processes	process	VERB
cblr-14253	499	9	35	35	NUM
cblr-14253	499	10	closings	closing	NOUN
cblr-14253	499	11	a	a	DET
cblr-14253	499	12	month	month	NOUN
cblr-14253	499	13	(	(	PUNCT
cblr-14253	499	14	the	the	DET
cblr-14253	499	15	title	title	NOUN
cblr-14253	499	16	company	company	NOUN
cblr-14253	499	17	’s	’s	PART
cblr-14253	499	18	own	own	ADJ
cblr-14253	499	19	mid	mid	ADJ
cblr-14253	499	20	-	-	ADJ
cblr-14253	499	21	level	level	ADJ
cblr-14253	499	22	projection	projection	NOUN
cblr-14253	499	23	)	)	PUNCT
cblr-14253	499	24	,	,	PUNCT
cblr-14253	499	25	the	the	DET
cblr-14253	499	26	realestate	realestate	ADJ
cblr-14253	499	27	agent	agent	NOUN
cblr-14253	499	28	would	would	AUX
cblr-14253	499	29	earn	earn	VERB
cblr-14253	499	30	an	an	DET
cblr-14253	499	31	estimated	estimate	VERB
cblr-14253	499	32	$	$	SYM
cblr-14253	499	33	29,424	29,424	NUM
cblr-14253	499	34	a	a	DET
cblr-14253	499	35	year	year	NOUN
cblr-14253	499	36	,	,	PUNCT
cblr-14253	499	37	making	make	VERB
cblr-14253	499	38	back	back	ADP
cblr-14253	499	39	their	their	PRON
cblr-14253	499	40	initial	initial	ADJ
cblr-14253	499	41	investment	investment	NOUN
cblr-14253	499	42	in	in	ADP
cblr-14253	499	43	about	about	ADV
cblr-14253	499	44	two	two	NUM
cblr-14253	499	45	months	month	NOUN
cblr-14253	499	46	.	.	PUNCT
cblr-14253	500	1	over	over	ADP
cblr-14253	500	2	a	a	DET
cblr-14253	500	3	single	single	ADJ
cblr-14253	500	4	year	year	NOUN
cblr-14253	500	5	,	,	PUNCT
cblr-14253	500	6	the	the	DET
cblr-14253	500	7	agent	agent	NOUN
cblr-14253	500	8	with	with	ADP
cblr-14253	500	9	a	a	DET
cblr-14253	500	10	2	2	NUM
cblr-14253	500	11	%	%	NOUN
cblr-14253	500	12	equity	equity	NOUN
cblr-14253	500	13	stake	stake	NOUN
cblr-14253	500	14	would	would	AUX
cblr-14253	500	15	make	make	VERB
cblr-14253	500	16	an	an	DET
cblr-14253	500	17	astonishing	astonishing	ADJ
cblr-14253	500	18	2,452	2,452	NUM
cblr-14253	500	19	%	%	NOUN
cblr-14253	500	20	return	return	NOUN
cblr-14253	500	21	on	on	ADP
cblr-14253	500	22	equity	equity	NOUN
cblr-14253	500	23	from	from	ADP
cblr-14253	500	24	their	their	PRON
cblr-14253	500	25	passive	passive	ADJ
cblr-14253	500	26	92	92	NUM
cblr-14253	500	27	we	we	PRON
cblr-14253	500	28	omitted	omit	VERB
cblr-14253	500	29	the	the	DET
cblr-14253	500	30	name	name	NOUN
cblr-14253	500	31	of	of	ADP
cblr-14253	500	32	the	the	DET
cblr-14253	500	33	sponsoring	sponsor	VERB
cblr-14253	500	34	title	title	NOUN
cblr-14253	500	35	-	-	PUNCT
cblr-14253	500	36	insurance	insurance	NOUN
cblr-14253	500	37	company	company	NOUN
cblr-14253	500	38	.	.	PUNCT
cblr-14253	501	1	no	no	INTJ
cblr-14253	501	2	.	.	NOUN
cblr-14253	502	1	1	1	NUM
cblr-14253	502	2	]	]	PUNCT
cblr-14253	502	3	corrupt	corrupt	ADJ
cblr-14253	502	4	joint	joint	ADJ
cblr-14253	502	5	ventures	venture	NOUN
cblr-14253	502	6	421	421	NUM
cblr-14253	502	7	investment	investment	NOUN
cblr-14253	502	8	in	in	ADP
cblr-14253	502	9	the	the	DET
cblr-14253	502	10	joint	joint	ADJ
cblr-14253	502	11	venture	venture	NOUN
cblr-14253	502	12	.	.	PUNCT
cblr-14253	503	1	of	of	ADP
cblr-14253	503	2	course	course	NOUN
cblr-14253	503	3	,	,	PUNCT
cblr-14253	503	4	the	the	DET
cblr-14253	503	5	reason	reason	NOUN
cblr-14253	503	6	the	the	DET
cblr-14253	503	7	title	title	NOUN
cblr-14253	503	8	company	company	NOUN
cblr-14253	503	9	can	can	AUX
cblr-14253	503	10	offer	offer	VERB
cblr-14253	503	11	these	these	DET
cblr-14253	503	12	returns	return	NOUN
cblr-14253	503	13	is	be	AUX
cblr-14253	503	14	because	because	SCONJ
cblr-14253	503	15	the	the	DET
cblr-14253	503	16	$	$	SYM
cblr-14253	503	17	1,200	1,200	NUM
cblr-14253	503	18	payment	payment	NOUN
cblr-14253	503	19	is	be	AUX
cblr-14253	503	20	a	a	DET
cblr-14253	503	21	smokescreen	smokescreen	NOUN
cblr-14253	503	22	for	for	ADP
cblr-14253	503	23	the	the	DET
cblr-14253	503	24	real	real	ADJ
cblr-14253	503	25	-	-	PUNCT
cblr-14253	503	26	estate	estate	NOUN
cblr-14253	503	27	agents	agent	NOUN
cblr-14253	503	28	’	'	PUNCT
cblr-14253	503	29	actual	actual	ADJ
cblr-14253	503	30	contribution	contribution	NOUN
cblr-14253	503	31	:	:	PUNCT
cblr-14253	503	32	their	their	PRON
cblr-14253	503	33	future	future	ADJ
cblr-14253	503	34	referrals	referral	NOUN
cblr-14253	503	35	.	.	PUNCT
cblr-14253	504	1	tellingly	tellingly	ADV
cblr-14253	504	2	,	,	PUNCT
cblr-14253	504	3	the	the	DET
cblr-14253	504	4	opportunity	opportunity	NOUN
cblr-14253	504	5	to	to	PART
cblr-14253	504	6	invest	invest	VERB
cblr-14253	504	7	in	in	ADP
cblr-14253	504	8	the	the	DET
cblr-14253	504	9	joint	joint	ADJ
cblr-14253	504	10	venture	venture	NOUN
cblr-14253	504	11	is	be	AUX
cblr-14253	504	12	not	not	PART
cblr-14253	504	13	offered	offer	VERB
cblr-14253	504	14	to	to	ADP
cblr-14253	504	15	investors	investor	NOUN
cblr-14253	504	16	other	other	ADJ
cblr-14253	504	17	than	than	ADP
cblr-14253	504	18	real	real	ADJ
cblr-14253	504	19	-	-	PUNCT
cblr-14253	504	20	estate	estate	NOUN
cblr-14253	504	21	agents	agent	NOUN
cblr-14253	504	22	—	—	PUNCT
cblr-14253	504	23	after	after	ADV
cblr-14253	504	24	all	all	ADV
cblr-14253	504	25	,	,	PUNCT
cblr-14253	504	26	the	the	DET
cblr-14253	504	27	point	point	NOUN
cblr-14253	504	28	of	of	ADP
cblr-14253	504	29	offering	offer	VERB
cblr-14253	504	30	these	these	DET
cblr-14253	504	31	equity	equity	NOUN
cblr-14253	504	32	shares	share	NOUN
cblr-14253	504	33	is	be	AUX
cblr-14253	504	34	not	not	PART
cblr-14253	504	35	to	to	PART
cblr-14253	504	36	raise	raise	VERB
cblr-14253	504	37	capital	capital	NOUN
cblr-14253	504	38	,	,	PUNCT
cblr-14253	504	39	but	but	CCONJ
cblr-14253	504	40	to	to	PART
cblr-14253	504	41	drum	drum	VERB
cblr-14253	504	42	up	up	ADP
cblr-14253	504	43	business	business	NOUN
cblr-14253	504	44	.	.	PUNCT
cblr-14253	505	1	thus	thus	ADV
cblr-14253	505	2	,	,	PUNCT
cblr-14253	505	3	only	only	ADV
cblr-14253	505	4	people	people	NOUN
cblr-14253	505	5	expected	expect	VERB
cblr-14253	505	6	to	to	PART
cblr-14253	505	7	refer	refer	VERB
cblr-14253	505	8	business	business	NOUN
cblr-14253	505	9	to	to	ADP
cblr-14253	505	10	the	the	DET
cblr-14253	505	11	new	new	ADJ
cblr-14253	505	12	company	company	NOUN
cblr-14253	505	13	are	be	AUX
cblr-14253	505	14	offered	offer	VERB
cblr-14253	505	15	the	the	DET
cblr-14253	505	16	opportunity	opportunity	NOUN
cblr-14253	505	17	to	to	PART
cblr-14253	505	18	invest	invest	VERB
cblr-14253	505	19	.	.	PUNCT
cblr-14253	506	1	at	at	ADP
cblr-14253	506	2	the	the	DET
cblr-14253	506	3	core	core	NOUN
cblr-14253	506	4	of	of	ADP
cblr-14253	506	5	this	this	DET
cblr-14253	506	6	joint	joint	ADJ
cblr-14253	506	7	venture	venture	NOUN
cblr-14253	506	8	is	be	AUX
cblr-14253	506	9	a	a	DET
cblr-14253	506	10	fiction	fiction	NOUN
cblr-14253	506	11	.	.	PUNCT
cblr-14253	507	1	where	where	SCONJ
cblr-14253	507	2	prior	prior	ADJ
cblr-14253	507	3	respa	respa	PROPN
cblr-14253	507	4	evasions	evasion	NOUN
cblr-14253	507	5	relied	rely	VERB
cblr-14253	507	6	on	on	ADP
cblr-14253	507	7	dividends	dividend	NOUN
cblr-14253	507	8	from	from	ADP
cblr-14253	507	9	fake	fake	ADJ
cblr-14253	507	10	companies	company	NOUN
cblr-14253	507	11	or	or	CCONJ
cblr-14253	507	12	compensation	compensation	NOUN
cblr-14253	507	13	for	for	ADP
cblr-14253	507	14	fake	fake	ADJ
cblr-14253	507	15	services	service	NOUN
cblr-14253	507	16	,	,	PUNCT
cblr-14253	507	17	discounted	discount	VERB
cblr-14253	507	18	joint	joint	ADJ
cblr-14253	507	19	ventures	venture	NOUN
cblr-14253	507	20	rely	rely	VERB
cblr-14253	507	21	on	on	ADP
cblr-14253	507	22	a	a	DET
cblr-14253	507	23	fake	fake	ADJ
cblr-14253	507	24	investment	investment	NOUN
cblr-14253	507	25	.	.	PUNCT
cblr-14253	508	1	the	the	DET
cblr-14253	508	2	title	title	NOUN
cblr-14253	508	3	company	company	NOUN
cblr-14253	508	4	captures	capture	VERB
cblr-14253	508	5	future	future	ADJ
cblr-14253	508	6	referrals	referral	NOUN
cblr-14253	508	7	,	,	PUNCT
cblr-14253	508	8	locking	lock	VERB
cblr-14253	508	9	out	out	ADP
cblr-14253	508	10	other	other	ADJ
cblr-14253	508	11	title	title	NOUN
cblr-14253	508	12	businesses	business	NOUN
cblr-14253	508	13	,	,	PUNCT
cblr-14253	508	14	by	by	ADP
cblr-14253	508	15	offering	offer	VERB
cblr-14253	508	16	real	real	ADJ
cblr-14253	508	17	-	-	PUNCT
cblr-14253	508	18	estate	estate	NOUN
cblr-14253	508	19	agents	agent	NOUN
cblr-14253	508	20	a	a	DET
cblr-14253	508	21	discounted	discount	VERB
cblr-14253	508	22	opportunity	opportunity	NOUN
cblr-14253	508	23	to	to	PART
cblr-14253	508	24	invest	invest	VERB
cblr-14253	508	25	in	in	ADP
cblr-14253	508	26	the	the	DET
cblr-14253	508	27	joint	joint	ADJ
cblr-14253	508	28	venture	venture	NOUN
cblr-14253	508	29	.	.	PUNCT
cblr-14253	509	1	a	a	DET
cblr-14253	509	2	company	company	NOUN
cblr-14253	509	3	set	set	VERB
cblr-14253	509	4	up	up	ADP
cblr-14253	509	5	this	this	DET
cblr-14253	509	6	way	way	NOUN
cblr-14253	509	7	is	be	AUX
cblr-14253	509	8	unlawful	unlawful	ADJ
cblr-14253	509	9	because	because	SCONJ
cblr-14253	509	10	the	the	DET
cblr-14253	509	11	discounted	discount	VERB
cblr-14253	509	12	opportunity	opportunity	NOUN
cblr-14253	509	13	to	to	PART
cblr-14253	509	14	invest	invest	VERB
cblr-14253	509	15	is	be	AUX
cblr-14253	509	16	itself	itself	PRON
cblr-14253	509	17	a	a	DET
cblr-14253	509	18	thing	thing	NOUN
cblr-14253	509	19	of	of	ADP
cblr-14253	509	20	value	value	NOUN
cblr-14253	509	21	other	other	ADJ
cblr-14253	509	22	than	than	ADP
cblr-14253	509	23	a	a	DET
cblr-14253	509	24	return	return	NOUN
cblr-14253	509	25	on	on	ADP
cblr-14253	509	26	ownership	ownership	NOUN
cblr-14253	509	27	and	and	CCONJ
cblr-14253	509	28	,	,	PUNCT
cblr-14253	509	29	accordingly	accordingly	ADV
cblr-14253	509	30	,	,	PUNCT
cblr-14253	509	31	does	do	AUX
cblr-14253	509	32	not	not	PART
cblr-14253	509	33	qualify	qualify	VERB
cblr-14253	509	34	for	for	ADP
cblr-14253	509	35	the	the	DET
cblr-14253	509	36	affiliated	affiliate	VERB
cblr-14253	509	37	-	-	PUNCT
cblr-14253	509	38	business	business	NOUN
cblr-14253	509	39	-	-	PUNCT
cblr-14253	509	40	arrangement	arrangement	NOUN
cblr-14253	509	41	exception	exception	NOUN
cblr-14253	509	42	,	,	PUNCT
cblr-14253	509	43	turning	turn	VERB
cblr-14253	509	44	dividends	dividend	NOUN
cblr-14253	509	45	paid	pay	VERB
cblr-14253	509	46	to	to	ADP
cblr-14253	509	47	the	the	DET
cblr-14253	509	48	referring	refer	VERB
cblr-14253	509	49	real	real	ADJ
cblr-14253	509	50	-	-	PUNCT
cblr-14253	509	51	estate	estate	NOUN
cblr-14253	509	52	agent	agent	NOUN
cblr-14253	509	53	into	into	ADP
cblr-14253	509	54	illegal	illegal	ADJ
cblr-14253	509	55	kickbacks	kickback	NOUN
cblr-14253	509	56	that	that	PRON
cblr-14253	509	57	run	run	VERB
cblr-14253	509	58	afoul	afoul	ADV
cblr-14253	509	59	of	of	ADP
cblr-14253	509	60	respa	respa	PROPN
cblr-14253	509	61	§	§	PROPN
cblr-14253	509	62	8	8	NUM
cblr-14253	509	63	.	.	PUNCT
cblr-14253	510	1	iv	iv	X
cblr-14253	510	2	.	.	PUNCT
cblr-14253	511	1	steering	steer	VERB
cblr-14253	511	2	consumers	consumer	NOUN
cblr-14253	511	3	to	to	PART
cblr-14253	511	4	discounted	discount	VERB
cblr-14253	511	5	real	real	ADJ
cblr-14253	511	6	estate	estate	NOUN
cblr-14253	511	7	settlement	settlement	NOUN
cblr-14253	511	8	joint	joint	ADJ
cblr-14253	511	9	ventures	venture	NOUN
cblr-14253	511	10	under	under	ADP
cblr-14253	511	11	the	the	DET
cblr-14253	511	12	dodd	dodd	PROPN
cblr-14253	511	13	-	-	PUNCT
cblr-14253	511	14	frank	frank	PROPN
cblr-14253	511	15	act	act	PROPN
cblr-14253	511	16	’s	’s	PART
cblr-14253	511	17	prohibition	prohibition	NOUN
cblr-14253	511	18	of	of	ADP
cblr-14253	511	19	abusive	abusive	ADJ
cblr-14253	511	20	practices	practice	NOUN
cblr-14253	511	21	even	even	ADV
cblr-14253	511	22	if	if	SCONJ
cblr-14253	511	23	courts	court	NOUN
cblr-14253	511	24	mistakenly	mistakenly	ADV
cblr-14253	511	25	hold	hold	VERB
cblr-14253	511	26	that	that	SCONJ
cblr-14253	511	27	discounted	discount	VERB
cblr-14253	511	28	-	-	PUNCT
cblr-14253	511	29	jointventure	jointventure	NOUN
cblr-14253	511	30	referral	referral	NOUN
cblr-14253	511	31	payments	payment	NOUN
cblr-14253	511	32	comply	comply	VERB
cblr-14253	511	33	with	with	ADP
cblr-14253	511	34	respa	respa	NOUN
cblr-14253	511	35	,	,	PUNCT
cblr-14253	511	36	it	it	PRON
cblr-14253	511	37	is	be	AUX
cblr-14253	511	38	also	also	ADV
cblr-14253	511	39	worth	worth	ADJ
cblr-14253	511	40	considering	consider	VERB
cblr-14253	511	41	whether	whether	SCONJ
cblr-14253	511	42	these	these	DET
cblr-14253	511	43	referral	referral	ADJ
cblr-14253	511	44	webs	webs	NOUN
cblr-14253	511	45	comply	comply	ADV
cblr-14253	511	46	with	with	ADP
cblr-14253	511	47	other	other	ADJ
cblr-14253	511	48	laws	law	NOUN
cblr-14253	511	49	.	.	PUNCT
cblr-14253	512	1	in	in	ADP
cblr-14253	512	2	this	this	DET
cblr-14253	512	3	part	part	NOUN
cblr-14253	512	4	we	we	PRON
cblr-14253	512	5	focus	focus	VERB
cblr-14253	512	6	on	on	ADP
cblr-14253	512	7	the	the	DET
cblr-14253	512	8	legality	legality	NOUN
cblr-14253	512	9	of	of	ADP
cblr-14253	512	10	these	these	DET
cblr-14253	512	11	joint	joint	ADJ
cblr-14253	512	12	ventures	venture	NOUN
cblr-14253	512	13	through	through	ADP
cblr-14253	512	14	the	the	DET
cblr-14253	512	15	lens	lens	NOUN
cblr-14253	512	16	of	of	ADP
cblr-14253	512	17	the	the	DET
cblr-14253	512	18	federal	federal	ADJ
cblr-14253	512	19	consumer	consumer	NOUN
cblr-14253	512	20	financial	financial	PROPN
cblr-14253	512	21	protection	protection	PROPN
cblr-14253	512	22	act	act	PROPN
cblr-14253	512	23	’s	’s	PART
cblr-14253	512	24	prohibition	prohibition	NOUN
cblr-14253	512	25	of	of	ADP
cblr-14253	512	26	abusive	abusive	ADJ
cblr-14253	512	27	conduct	conduct	NOUN
cblr-14253	512	28	.	.	PUNCT
cblr-14253	513	1	congress	congress	PROPN
cblr-14253	513	2	adopted	adopt	VERB
cblr-14253	513	3	the	the	DET
cblr-14253	513	4	cfpa	cfpa	NOUN
cblr-14253	513	5	as	as	ADP
cblr-14253	513	6	title	title	NOUN
cblr-14253	513	7	x	x	PUNCT
cblr-14253	513	8	of	of	ADP
cblr-14253	513	9	the	the	DET
cblr-14253	513	10	dodd	dodd	PROPN
cblr-14253	513	11	-	-	PUNCT
cblr-14253	513	12	frank	frank	PROPN
cblr-14253	513	13	act.93	act.93	NOUN
cblr-14253	513	14	the	the	DET
cblr-14253	513	15	93	93	NUM
cblr-14253	513	16	dodd	dodd	PROPN
cblr-14253	513	17	-	-	PUNCT
cblr-14253	513	18	frank	frank	PROPN
cblr-14253	513	19	wall	wall	PROPN
cblr-14253	513	20	street	street	PROPN
cblr-14253	513	21	reform	reform	PROPN
cblr-14253	513	22	and	and	CCONJ
cblr-14253	513	23	consumer	consumer	NOUN
cblr-14253	513	24	protection	protection	PROPN
cblr-14253	513	25	act	act	PROPN
cblr-14253	513	26	,	,	PUNCT
cblr-14253	513	27	pub	pub	NOUN
cblr-14253	513	28	.	.	PUNCT
cblr-14253	514	1	l.	l.	PROPN
cblr-14253	514	2	no	no	INTJ
cblr-14253	514	3	.	.	PROPN
cblr-14253	514	4	111	111	NUM
cblr-14253	514	5	-	-	SYM
cblr-14253	514	6	203	203	NUM
cblr-14253	514	7	,	,	PUNCT
cblr-14253	514	8	124	124	NUM
cblr-14253	514	9	stat	stat	NOUN
cblr-14253	514	10	.	.	PUNCT
cblr-14253	515	1	1376	1376	NUM
cblr-14253	515	2	,	,	PUNCT
cblr-14253	515	3	1955	1955	NUM
cblr-14253	515	4	(	(	PUNCT
cblr-14253	515	5	2010	2010	NUM
cblr-14253	515	6	)	)	PUNCT
cblr-14253	515	7	(	(	PUNCT
cblr-14253	515	8	codified	codify	VERB
cblr-14253	515	9	as	as	SCONJ
cblr-14253	515	10	amended	amend	VERB
cblr-14253	515	11	in	in	ADP
cblr-14253	515	12	scattered	scatter	VERB
cblr-14253	515	13	sections	section	NOUN
cblr-14253	515	14	of	of	ADP
cblr-14253	515	15	7	7	NUM
cblr-14253	515	16	,	,	PUNCT
cblr-14253	515	17	12	12	NUM
cblr-14253	515	18	,	,	PUNCT
cblr-14253	515	19	15	15	NUM
cblr-14253	515	20	,	,	PUNCT
cblr-14253	515	21	22	22	NUM
cblr-14253	515	22	,	,	PUNCT
cblr-14253	515	23	31	31	NUM
cblr-14253	515	24	,	,	PUNCT
cblr-14253	515	25	and	and	CCONJ
cblr-14253	515	26	42	42	NUM
cblr-14253	515	27	u.s.c	u.s.c	ADJ
cblr-14253	515	28	.	.	PUNCT
cblr-14253	516	1	(	(	PUNCT
cblr-14253	516	2	2012	2012	NUM
cblr-14253	516	3	)	)	PUNCT
cblr-14253	516	4	)	)	PUNCT
cblr-14253	516	5	.	.	PUNCT
cblr-14253	517	1	422	422	NUM
cblr-14253	517	2	columbia	columbia	PROPN
cblr-14253	517	3	business	business	NOUN
cblr-14253	517	4	law	law	PROPN
cblr-14253	517	5	review	review	NOUN
cblr-14253	517	6	[	[	X
cblr-14253	517	7	vol	vol	NOUN
cblr-14253	517	8	.	.	PUNCT
cblr-14253	517	9	2025	2025	NUM
cblr-14253	517	10	dodd	dodd	PROPN
cblr-14253	517	11	-	-	PUNCT
cblr-14253	517	12	frank	frank	PROPN
cblr-14253	517	13	act	act	PROPN
cblr-14253	517	14	attempted	attempt	VERB
cblr-14253	517	15	to	to	PART
cblr-14253	517	16	reform	reform	VERB
cblr-14253	517	17	practices	practice	NOUN
cblr-14253	517	18	in	in	ADP
cblr-14253	517	19	the	the	DET
cblr-14253	517	20	financial	financial	ADJ
cblr-14253	517	21	system	system	NOUN
cblr-14253	517	22	that	that	PRON
cblr-14253	517	23	led	lead	VERB
cblr-14253	517	24	to	to	ADP
cblr-14253	517	25	the	the	DET
cblr-14253	517	26	subprime	subprime	ADJ
cblr-14253	517	27	-	-	PUNCT
cblr-14253	517	28	mortgage	mortgage	NOUN
cblr-14253	517	29	-	-	PUNCT
cblr-14253	517	30	foreclosure	foreclosure	NOUN
cblr-14253	517	31	crisis	crisis	NOUN
cblr-14253	517	32	and	and	CCONJ
cblr-14253	517	33	the	the	DET
cblr-14253	517	34	ensuing	ensue	VERB
cblr-14253	517	35	great	great	ADJ
cblr-14253	517	36	recession.94	recession.94	NOUN
cblr-14253	517	37	the	the	DET
cblr-14253	517	38	act	act	NOUN
cblr-14253	517	39	included	include	VERB
cblr-14253	517	40	a	a	DET
cblr-14253	517	41	wide	wide	ADJ
cblr-14253	517	42	variety	variety	NOUN
cblr-14253	517	43	of	of	ADP
cblr-14253	517	44	reforms	reform	NOUN
cblr-14253	517	45	,	,	PUNCT
cblr-14253	517	46	including	include	VERB
cblr-14253	517	47	new	new	ADJ
cblr-14253	517	48	laws	law	NOUN
cblr-14253	517	49	designed	design	VERB
cblr-14253	517	50	to	to	PART
cblr-14253	517	51	promote	promote	VERB
cblr-14253	517	52	financial	financial	ADJ
cblr-14253	517	53	stability,95	stability,95	ADJ
cblr-14253	517	54	affordable	affordable	ADJ
cblr-14253	517	55	mortgage	mortgage	NOUN
cblr-14253	517	56	lending,96	lending,96	NOUN
cblr-14253	517	57	and	and	CCONJ
cblr-14253	517	58	consumer	consumer	NOUN
cblr-14253	517	59	protection.97	protection.97	NOUN
cblr-14253	517	60	among	among	ADP
cblr-14253	517	61	these	these	DET
cblr-14253	517	62	far	far	ADV
cblr-14253	517	63	-	-	PUNCT
cblr-14253	517	64	reaching	reach	VERB
cblr-14253	517	65	reforms	reform	NOUN
cblr-14253	517	66	,	,	PUNCT
cblr-14253	517	67	the	the	DET
cblr-14253	517	68	dodd	dodd	PROPN
cblr-14253	517	69	-	-	PUNCT
cblr-14253	517	70	frank	frank	PROPN
cblr-14253	517	71	act	act	PROPN
cblr-14253	517	72	also	also	ADV
cblr-14253	517	73	created	create	VERB
cblr-14253	517	74	the	the	DET
cblr-14253	517	75	consumer	consumer	NOUN
cblr-14253	517	76	financial	financial	ADJ
cblr-14253	517	77	protection	protection	PROPN
cblr-14253	517	78	bureau.98	bureau.98	PROPN
cblr-14253	517	79	congress	congress	PROPN
cblr-14253	517	80	tasked	task	VERB
cblr-14253	517	81	the	the	DET
cblr-14253	517	82	cfpb	cfpb	NOUN
cblr-14253	517	83	with	with	ADP
cblr-14253	517	84	implementing	implement	VERB
cblr-14253	517	85	and	and	CCONJ
cblr-14253	517	86	enforcing	enforce	VERB
cblr-14253	517	87	a	a	DET
cblr-14253	517	88	large	large	ADJ
cblr-14253	517	89	body	body	NOUN
cblr-14253	517	90	of	of	ADP
cblr-14253	517	91	financial	financial	ADJ
cblr-14253	517	92	consumer	consumer	NOUN
cblr-14253	517	93	-	-	PUNCT
cblr-14253	517	94	protection	protection	NOUN
cblr-14253	517	95	laws	law	NOUN
cblr-14253	517	96	to	to	PART
cblr-14253	517	97	“	"	PUNCT
cblr-14253	517	98	ensur[e	ensur[e	PROPN
cblr-14253	517	99	]	]	PUNCT
cblr-14253	517	100	that	that	SCONJ
cblr-14253	517	101	all	all	DET
cblr-14253	517	102	consumers	consumer	NOUN
cblr-14253	517	103	have	have	VERB
cblr-14253	517	104	access	access	NOUN
cblr-14253	517	105	to	to	ADP
cblr-14253	517	106	markets	market	NOUN
cblr-14253	517	107	for	for	ADP
cblr-14253	517	108	consumer	consumer	NOUN
cblr-14253	517	109	financial	financial	ADJ
cblr-14253	517	110	products	product	NOUN
cblr-14253	517	111	and	and	CCONJ
cblr-14253	517	112	services	service	NOUN
cblr-14253	517	113	and	and	CCONJ
cblr-14253	517	114	that	that	SCONJ
cblr-14253	517	115	markets	market	NOUN
cblr-14253	517	116	for	for	ADP
cblr-14253	517	117	consumer	consumer	NOUN
cblr-14253	517	118	financial	financial	ADJ
cblr-14253	517	119	products	product	NOUN
cblr-14253	517	120	and	and	CCONJ
cblr-14253	517	121	services	service	NOUN
cblr-14253	517	122	are	be	AUX
cblr-14253	517	123	fair	fair	ADJ
cblr-14253	517	124	,	,	PUNCT
cblr-14253	517	125	transparent	transparent	ADJ
cblr-14253	517	126	,	,	PUNCT
cblr-14253	517	127	and	and	CCONJ
cblr-14253	517	128	competitive	competitive	ADJ
cblr-14253	517	129	.	.	PUNCT
cblr-14253	518	1	”99	”99	PROPN
cblr-14253	518	2	along	along	ADP
cblr-14253	518	3	with	with	ADP
cblr-14253	518	4	other	other	ADJ
cblr-14253	518	5	preexisting	preexist	VERB
cblr-14253	518	6	federal	federal	ADJ
cblr-14253	518	7	consumer	consumer	NOUN
cblr-14253	518	8	-	-	PUNCT
cblr-14253	518	9	financial	financial	ADJ
cblr-14253	518	10	laws	law	NOUN
cblr-14253	518	11	,	,	PUNCT
cblr-14253	518	12	the	the	DET
cblr-14253	518	13	94	94	NUM
cblr-14253	518	14	s.	s.	PROPN
cblr-14253	518	15	rep	rep	PROPN
cblr-14253	518	16	.	.	PROPN
cblr-14253	519	1	no	no	PROPN
cblr-14253	519	2	.	.	NOUN
cblr-14253	519	3	111	111	NUM
cblr-14253	519	4	-	-	SYM
cblr-14253	519	5	176	176	NUM
cblr-14253	519	6	,	,	PUNCT
cblr-14253	519	7	at	at	ADP
cblr-14253	519	8	9	9	NUM
cblr-14253	519	9	n.19	n.19	X
cblr-14253	519	10	(	(	PUNCT
cblr-14253	519	11	apr	apr	PROPN
cblr-14253	519	12	.	.	PROPN
cblr-14253	519	13	30	30	NUM
cblr-14253	519	14	,	,	PUNCT
cblr-14253	519	15	2010	2010	NUM
cblr-14253	519	16	)	)	PUNCT
cblr-14253	519	17	(	(	PUNCT
cblr-14253	519	18	“	"	PUNCT
cblr-14253	519	19	the	the	DET
cblr-14253	519	20	need	need	NOUN
cblr-14253	519	21	could	could	AUX
cblr-14253	519	22	not	not	PART
cblr-14253	519	23	be	be	AUX
cblr-14253	519	24	clearer	clear	ADJ
cblr-14253	519	25	.	.	PUNCT
cblr-14253	520	1	today	today	NOUN
cblr-14253	520	2	’s	’s	PART
cblr-14253	520	3	consumer	consumer	NOUN
cblr-14253	520	4	protection	protection	NOUN
cblr-14253	520	5	regime	regime	NOUN
cblr-14253	520	6	just	just	ADV
cblr-14253	520	7	experienced	experience	VERB
cblr-14253	520	8	massive	massive	ADJ
cblr-14253	520	9	failure	failure	NOUN
cblr-14253	520	10	.	.	PUNCT
cblr-14253	521	1	it	it	PRON
cblr-14253	521	2	could	could	AUX
cblr-14253	521	3	not	not	PART
cblr-14253	521	4	stem	stem	VERB
cblr-14253	521	5	a	a	DET
cblr-14253	521	6	plague	plague	NOUN
cblr-14253	521	7	of	of	ADP
cblr-14253	521	8	abusive	abusive	ADJ
cblr-14253	521	9	and	and	CCONJ
cblr-14253	521	10	unaffordable	unaffordable	ADJ
cblr-14253	521	11	mortgages	mortgage	NOUN
cblr-14253	521	12	and	and	CCONJ
cblr-14253	521	13	exploitative	exploitative	ADJ
cblr-14253	521	14	credit	credit	NOUN
cblr-14253	521	15	cards	card	NOUN
cblr-14253	521	16	despite	despite	SCONJ
cblr-14253	521	17	clear	clear	ADJ
cblr-14253	521	18	warning	warning	NOUN
cblr-14253	521	19	signs	sign	NOUN
cblr-14253	521	20	.	.	PUNCT
cblr-14253	522	1	it	it	PRON
cblr-14253	522	2	cost	cost	VERB
cblr-14253	522	3	millions	million	NOUN
cblr-14253	522	4	of	of	ADP
cblr-14253	522	5	responsible	responsible	ADJ
cblr-14253	522	6	consumers	consumer	NOUN
cblr-14253	522	7	their	their	PRON
cblr-14253	522	8	homes	home	NOUN
cblr-14253	522	9	,	,	PUNCT
cblr-14253	522	10	their	their	PRON
cblr-14253	522	11	savings	saving	NOUN
cblr-14253	522	12	,	,	PUNCT
cblr-14253	522	13	and	and	CCONJ
cblr-14253	522	14	their	their	PRON
cblr-14253	522	15	dignity	dignity	NOUN
cblr-14253	522	16	.	.	PUNCT
cblr-14253	523	1	and	and	CCONJ
cblr-14253	523	2	it	it	PRON
cblr-14253	523	3	contributed	contribute	VERB
cblr-14253	523	4	to	to	ADP
cblr-14253	523	5	the	the	DET
cblr-14253	523	6	near	near	ADJ
cblr-14253	523	7	-	-	PUNCT
cblr-14253	523	8	collapse	collapse	NOUN
cblr-14253	523	9	of	of	ADP
cblr-14253	523	10	our	our	PRON
cblr-14253	523	11	financial	financial	ADJ
cblr-14253	523	12	system	system	NOUN
cblr-14253	523	13	.	.	PUNCT
cblr-14253	523	14	”	"	PUNCT
cblr-14253	523	15	)	)	PUNCT
cblr-14253	524	1	(	(	PUNCT
cblr-14253	524	2	quoting	quote	VERB
cblr-14253	524	3	michael	michael	PROPN
cblr-14253	524	4	barr	barr	PROPN
cblr-14253	524	5	,	,	PUNCT
cblr-14253	524	6	assistant	assistant	PROPN
cblr-14253	524	7	secretary	secretary	NOUN
cblr-14253	524	8	of	of	ADP
cblr-14253	524	9	the	the	DET
cblr-14253	524	10	treasury	treasury	PROPN
cblr-14253	524	11	for	for	ADP
cblr-14253	524	12	financial	financial	ADJ
cblr-14253	524	13	institutions	institution	NOUN
cblr-14253	524	14	)	)	PUNCT
cblr-14253	524	15	.	.	PUNCT
cblr-14253	525	1	95	95	NUM
cblr-14253	525	2	dodd	dodd	PROPN
cblr-14253	525	3	-	-	PUNCT
cblr-14253	525	4	frank	frank	PROPN
cblr-14253	525	5	wall	wall	PROPN
cblr-14253	525	6	street	street	PROPN
cblr-14253	525	7	reform	reform	PROPN
cblr-14253	525	8	and	and	CCONJ
cblr-14253	525	9	consumer	consumer	NOUN
cblr-14253	525	10	protection	protection	PROPN
cblr-14253	525	11	act	act	PROPN
cblr-14253	525	12	,	,	PUNCT
cblr-14253	525	13	pub	pub	NOUN
cblr-14253	525	14	.	.	PUNCT
cblr-14253	526	1	l.	l.	PROPN
cblr-14253	526	2	no	no	INTJ
cblr-14253	526	3	.	.	PROPN
cblr-14253	526	4	111	111	NUM
cblr-14253	526	5	-	-	SYM
cblr-14253	526	6	203	203	NUM
cblr-14253	526	7	,	,	PUNCT
cblr-14253	526	8	124	124	NUM
cblr-14253	526	9	stat	stat	NOUN
cblr-14253	526	10	.	.	PUNCT
cblr-14253	527	1	1376	1376	NUM
cblr-14253	527	2	,	,	PUNCT
cblr-14253	527	3	1392	1392	NUM
cblr-14253	527	4	(	(	PUNCT
cblr-14253	527	5	2010	2010	NUM
cblr-14253	527	6	)	)	PUNCT
cblr-14253	527	7	;	;	PUNCT
cblr-14253	527	8	act	act	NOUN
cblr-14253	527	9	of	of	ADP
cblr-14253	527	10	sept	sept	PROPN
cblr-14253	527	11	.	.	PROPN
cblr-14253	527	12	27	27	NUM
cblr-14253	527	13	,	,	PUNCT
cblr-14253	527	14	2017	2017	NUM
cblr-14253	527	15	,	,	PUNCT
cblr-14253	527	16	pub	pub	NOUN
cblr-14253	527	17	.	.	PUNCT
cblr-14253	528	1	l.	l.	PROPN
cblr-14253	528	2	no	no	INTJ
cblr-14253	528	3	.	.	PROPN
cblr-14253	529	1	115	115	NUM
cblr-14253	529	2	-	-	SYM
cblr-14253	529	3	61	61	NUM
cblr-14253	529	4	,	,	PUNCT
cblr-14253	529	5	12	12	NUM
cblr-14253	529	6	u.s.c	u.s.c	ADJ
cblr-14253	529	7	.	.	PUNCT
cblr-14253	530	1	§	§	PROPN
cblr-14253	530	2	5321	5321	NUM
cblr-14253	530	3	(	(	PUNCT
cblr-14253	530	4	2017	2017	NUM
cblr-14253	530	5	)	)	PUNCT
cblr-14253	530	6	.	.	PUNCT
cblr-14253	531	1	see	see	VERB
cblr-14253	531	2	patricia	patricia	PROPN
cblr-14253	531	3	a.	a.	PROPN
cblr-14253	531	4	mccoy	mccoy	PROPN
cblr-14253	531	5	,	,	PUNCT
cblr-14253	531	6	systemic	systemic	ADJ
cblr-14253	531	7	risk	risk	NOUN
cblr-14253	531	8	oversight	oversight	NOUN
cblr-14253	531	9	and	and	CCONJ
cblr-14253	531	10	the	the	DET
cblr-14253	531	11	shifting	shift	VERB
cblr-14253	531	12	balance	balance	NOUN
cblr-14253	531	13	of	of	ADP
cblr-14253	531	14	state	state	NOUN
cblr-14253	531	15	and	and	CCONJ
cblr-14253	531	16	federal	federal	ADJ
cblr-14253	531	17	authority	authority	NOUN
cblr-14253	531	18	over	over	ADP
cblr-14253	531	19	insurance	insurance	NOUN
cblr-14253	531	20	,	,	PUNCT
cblr-14253	531	21	5	5	NUM
cblr-14253	531	22	u.c	u.c	PROPN
cblr-14253	531	23	.	.	PROPN
cblr-14253	531	24	irvine	irvine	PROPN
cblr-14253	531	25	l.	l.	PROPN
cblr-14253	531	26	rev	rev	PROPN
cblr-14253	531	27	.	.	PROPN
cblr-14253	531	28	1389	1389	NUM
cblr-14253	531	29	,	,	PUNCT
cblr-14253	531	30	1411–12	1411–12	NUM
cblr-14253	531	31	(	(	PUNCT
cblr-14253	531	32	2015	2015	NUM
cblr-14253	531	33	)	)	PUNCT
cblr-14253	531	34	(	(	PUNCT
cblr-14253	531	35	describing	describe	VERB
cblr-14253	531	36	the	the	DET
cblr-14253	531	37	doddfrank	doddfrank	PROPN
cblr-14253	531	38	act	act	PROPN
cblr-14253	531	39	’s	’s	PART
cblr-14253	531	40	“	"	PUNCT
cblr-14253	531	41	new	new	ADJ
cblr-14253	531	42	framework	framework	NOUN
cblr-14253	531	43	for	for	ADP
cblr-14253	531	44	the	the	DET
cblr-14253	531	45	federal	federal	ADJ
cblr-14253	531	46	oversight	oversight	NOUN
cblr-14253	531	47	of	of	ADP
cblr-14253	531	48	systemic	systemic	ADJ
cblr-14253	531	49	risk	risk	NOUN
cblr-14253	531	50	”	"	PUNCT
cblr-14253	531	51	)	)	PUNCT
cblr-14253	531	52	.	.	PUNCT
cblr-14253	532	1	96	96	NUM
cblr-14253	532	2	title	title	NOUN
cblr-14253	532	3	xiv	xiv	PROPN
cblr-14253	532	4	of	of	ADP
cblr-14253	532	5	dodd	dodd	PROPN
cblr-14253	532	6	-	-	PUNCT
cblr-14253	532	7	frank	frank	PROPN
cblr-14253	532	8	was	be	AUX
cblr-14253	532	9	subtitled	subtitle	VERB
cblr-14253	532	10	the	the	DET
cblr-14253	532	11	“	"	PUNCT
cblr-14253	532	12	mortgage	mortgage	NOUN
cblr-14253	532	13	reform	reform	NOUN
cblr-14253	532	14	and	and	CCONJ
cblr-14253	532	15	anti	anti	ADJ
cblr-14253	532	16	-	-	ADJ
cblr-14253	532	17	predatory	predatory	ADJ
cblr-14253	532	18	lending	lending	NOUN
cblr-14253	532	19	act	act	NOUN
cblr-14253	532	20	,	,	PUNCT
cblr-14253	532	21	”	"	PUNCT
cblr-14253	532	22	dodd	dodd	PROPN
cblr-14253	532	23	-	-	PUNCT
cblr-14253	532	24	frank	frank	PROPN
cblr-14253	532	25	wall	wall	PROPN
cblr-14253	532	26	street	street	PROPN
cblr-14253	532	27	reform	reform	PROPN
cblr-14253	532	28	and	and	CCONJ
cblr-14253	532	29	consumer	consumer	NOUN
cblr-14253	532	30	protection	protection	PROPN
cblr-14253	532	31	act	act	PROPN
cblr-14253	532	32	,	,	PUNCT
cblr-14253	532	33	pub	pub	NOUN
cblr-14253	532	34	.	.	PUNCT
cblr-14253	533	1	l.	l.	PROPN
cblr-14253	533	2	no	no	INTJ
cblr-14253	533	3	.	.	PROPN
cblr-14253	533	4	111	111	NUM
cblr-14253	533	5	-	-	SYM
cblr-14253	533	6	203	203	NUM
cblr-14253	533	7	,	,	PUNCT
cblr-14253	533	8	124	124	NUM
cblr-14253	533	9	stat	stat	NOUN
cblr-14253	533	10	.	.	PUNCT
cblr-14253	534	1	1376	1376	NUM
cblr-14253	534	2	,	,	PUNCT
cblr-14253	534	3	2136	2136	NUM
cblr-14253	534	4	(	(	PUNCT
cblr-14253	534	5	2010	2010	NUM
cblr-14253	534	6	)	)	PUNCT
cblr-14253	534	7	.	.	PUNCT
cblr-14253	535	1	see	see	VERB
cblr-14253	535	2	john	john	PROPN
cblr-14253	535	3	pottow	pottow	PROPN
cblr-14253	535	4	,	,	PUNCT
cblr-14253	535	5	ability	ability	NOUN
cblr-14253	535	6	to	to	PART
cblr-14253	535	7	pay	pay	VERB
cblr-14253	535	8	,	,	PUNCT
cblr-14253	535	9	8	8	NUM
cblr-14253	535	10	berkeley	berkeley	PROPN
cblr-14253	535	11	bus	bus	NOUN
cblr-14253	535	12	.	.	PUNCT
cblr-14253	536	1	l.j	l.j	AUX
cblr-14253	536	2	.	.	PROPN
cblr-14253	536	3	175	175	NUM
cblr-14253	536	4	,	,	PUNCT
cblr-14253	536	5	176	176	NUM
cblr-14253	536	6	(	(	PUNCT
cblr-14253	536	7	2011	2011	NUM
cblr-14253	536	8	)	)	PUNCT
cblr-14253	536	9	(	(	PUNCT
cblr-14253	536	10	describing	describe	VERB
cblr-14253	536	11	the	the	DET
cblr-14253	536	12	dodd	dodd	PROPN
cblr-14253	536	13	frank	frank	PROPN
cblr-14253	536	14	act	act	PROPN
cblr-14253	536	15	’s	’s	PART
cblr-14253	536	16	“	"	PUNCT
cblr-14253	536	17	profoundly	profoundly	ADV
cblr-14253	536	18	transformative	transformative	ADJ
cblr-14253	536	19	”	"	PUNCT
cblr-14253	536	20	home	home	NOUN
cblr-14253	536	21	mortgage	mortgage	NOUN
cblr-14253	536	22	affordability	affordability	NOUN
cblr-14253	536	23	rules	rule	NOUN
cblr-14253	536	24	)	)	PUNCT
cblr-14253	536	25	.	.	PUNCT
cblr-14253	537	1	97	97	NUM
cblr-14253	537	2	see	see	VERB
cblr-14253	537	3	christopher	christopher	PROPN
cblr-14253	537	4	l.	l.	PROPN
cblr-14253	537	5	peterson	peterson	PROPN
cblr-14253	537	6	,	,	PUNCT
cblr-14253	537	7	consumer	consumer	NOUN
cblr-14253	537	8	financial	financial	PROPN
cblr-14253	537	9	protection	protection	PROPN
cblr-14253	537	10	bureau	bureau	PROPN
cblr-14253	537	11	law	law	NOUN
cblr-14253	537	12	enforcement	enforcement	NOUN
cblr-14253	537	13	:	:	PUNCT
cblr-14253	537	14	an	an	DET
cblr-14253	537	15	empirical	empirical	ADJ
cblr-14253	537	16	review	review	NOUN
cblr-14253	537	17	,	,	PUNCT
cblr-14253	537	18	90	90	NUM
cblr-14253	537	19	tul	tul	NOUN
cblr-14253	537	20	.	.	PUNCT
cblr-14253	537	21	l.	l.	PROPN
cblr-14253	537	22	rev	rev	PROPN
cblr-14253	537	23	.	.	PROPN
cblr-14253	537	24	1057	1057	NUM
cblr-14253	537	25	,	,	PUNCT
cblr-14253	537	26	1076–104	1076–104	X
cblr-14253	537	27	(	(	PUNCT
cblr-14253	537	28	2016	2016	NUM
cblr-14253	537	29	)	)	PUNCT
cblr-14253	537	30	(	(	PUNCT
cblr-14253	537	31	describing	describe	VERB
cblr-14253	537	32	the	the	DET
cblr-14253	537	33	cfpb	cfpb	NOUN
cblr-14253	537	34	’s	’s	PART
cblr-14253	537	35	early	early	ADJ
cblr-14253	537	36	consumer	consumer	NOUN
cblr-14253	537	37	-	-	PUNCT
cblr-14253	537	38	protection	protection	NOUN
cblr-14253	537	39	law	law	NOUN
cblr-14253	537	40	-	-	PUNCT
cblr-14253	537	41	enforcement	enforcement	NOUN
cblr-14253	537	42	work	work	NOUN
cblr-14253	537	43	)	)	PUNCT
cblr-14253	537	44	.	.	PUNCT
cblr-14253	538	1	98	98	NUM
cblr-14253	538	2	dodd	dodd	PROPN
cblr-14253	538	3	-	-	PUNCT
cblr-14253	538	4	frank	frank	PROPN
cblr-14253	538	5	wall	wall	PROPN
cblr-14253	538	6	street	street	PROPN
cblr-14253	538	7	reform	reform	PROPN
cblr-14253	538	8	and	and	CCONJ
cblr-14253	538	9	consumer	consumer	NOUN
cblr-14253	538	10	protection	protection	PROPN
cblr-14253	538	11	act	act	PROPN
cblr-14253	538	12	,	,	PUNCT
cblr-14253	538	13	pub	pub	NOUN
cblr-14253	538	14	.	.	PUNCT
cblr-14253	539	1	l.	l.	PROPN
cblr-14253	539	2	no	no	INTJ
cblr-14253	539	3	.	.	PROPN
cblr-14253	539	4	111	111	NUM
cblr-14253	539	5	-	-	SYM
cblr-14253	539	6	203	203	NUM
cblr-14253	539	7	,	,	PUNCT
cblr-14253	539	8	124	124	NUM
cblr-14253	539	9	stat	stat	NOUN
cblr-14253	539	10	.	.	PUNCT
cblr-14253	540	1	1376	1376	NUM
cblr-14253	540	2	,	,	PUNCT
cblr-14253	540	3	1955–2113	1955–2113	NUM
cblr-14253	540	4	(	(	PUNCT
cblr-14253	540	5	2010	2010	NUM
cblr-14253	540	6	)	)	PUNCT
cblr-14253	540	7	;	;	PUNCT
cblr-14253	540	8	12	12	NUM
cblr-14253	540	9	u.s.c	u.s.c	NOUN
cblr-14253	540	10	.	.	PUNCT
cblr-14253	541	1	§	§	PROPN
cblr-14253	541	2	5491(a	5491(a	NUM
cblr-14253	541	3	)	)	PUNCT
cblr-14253	541	4	.	.	PUNCT
cblr-14253	542	1	99	99	NUM
cblr-14253	542	2	seila	seila	NOUN
cblr-14253	542	3	l.	l.	PROPN
cblr-14253	542	4	llc	llc	PROPN
cblr-14253	542	5	v.	v.	ADP
cblr-14253	542	6	consumer	consumer	NOUN
cblr-14253	542	7	fin	fin	PROPN
cblr-14253	542	8	.	.	PUNCT
cblr-14253	543	1	prot	prot	PROPN
cblr-14253	543	2	.	.	PUNCT
cblr-14253	544	1	bureau	bureau	NOUN
cblr-14253	544	2	,	,	PUNCT
cblr-14253	544	3	591	591	NUM
cblr-14253	544	4	u.s	u.s	PROPN
cblr-14253	544	5	.	.	PROPN
cblr-14253	544	6	197	197	NUM
cblr-14253	544	7	,	,	PUNCT
cblr-14253	544	8	206	206	NUM
cblr-14253	544	9	(	(	PUNCT
cblr-14253	544	10	2020	2020	NUM
cblr-14253	544	11	)	)	PUNCT
cblr-14253	544	12	(	(	PUNCT
cblr-14253	544	13	citing	cite	VERB
cblr-14253	544	14	12	12	NUM
cblr-14253	544	15	u.s.c	u.s.c	ADJ
cblr-14253	544	16	.	.	PUNCT
cblr-14253	545	1	§	§	PROPN
cblr-14253	545	2	5511(a	5511(a	PROPN
cblr-14253	545	3	)	)	PUNCT
cblr-14253	545	4	)	)	PUNCT
cblr-14253	545	5	.	.	PUNCT
cblr-14253	546	1	no	no	INTJ
cblr-14253	546	2	.	.	NOUN
cblr-14253	547	1	1	1	NUM
cblr-14253	547	2	]	]	PUNCT
cblr-14253	547	3	corrupt	corrupt	ADJ
cblr-14253	547	4	joint	joint	ADJ
cblr-14253	547	5	ventures	venture	NOUN
cblr-14253	547	6	423	423	NUM
cblr-14253	547	7	dodd	dodd	PROPN
cblr-14253	547	8	-	-	PUNCT
cblr-14253	547	9	frank	frank	PROPN
cblr-14253	547	10	act	act	PROPN
cblr-14253	547	11	transferred	transfer	VERB
cblr-14253	547	12	the	the	DET
cblr-14253	547	13	authority	authority	NOUN
cblr-14253	547	14	to	to	PART
cblr-14253	547	15	implement	implement	VERB
cblr-14253	547	16	and	and	CCONJ
cblr-14253	547	17	enforce	enforce	VERB
cblr-14253	547	18	respa	respa	PROPN
cblr-14253	547	19	from	from	ADP
cblr-14253	547	20	hud	hud	PROPN
cblr-14253	547	21	to	to	ADP
cblr-14253	547	22	the	the	DET
cblr-14253	547	23	cfpb.100	cfpb.100	NOUN
cblr-14253	547	24	among	among	ADP
cblr-14253	547	25	these	these	DET
cblr-14253	547	26	and	and	CCONJ
cblr-14253	547	27	other	other	ADJ
cblr-14253	547	28	reforms	reform	NOUN
cblr-14253	547	29	,	,	PUNCT
cblr-14253	547	30	the	the	DET
cblr-14253	547	31	dodd	dodd	PROPN
cblr-14253	547	32	-	-	PUNCT
cblr-14253	547	33	frank	frank	PROPN
cblr-14253	547	34	act	act	PROPN
cblr-14253	547	35	also	also	ADV
cblr-14253	547	36	adopted	adopt	VERB
cblr-14253	547	37	a	a	DET
cblr-14253	547	38	new	new	ADJ
cblr-14253	547	39	prohibition	prohibition	NOUN
cblr-14253	547	40	on	on	ADP
cblr-14253	547	41	“	"	PUNCT
cblr-14253	547	42	abusive	abusive	ADJ
cblr-14253	547	43	acts	act	NOUN
cblr-14253	547	44	or	or	CCONJ
cblr-14253	547	45	practices	practice	NOUN
cblr-14253	547	46	.	.	PUNCT
cblr-14253	548	1	”101	”101	PROPN
cblr-14253	548	2	congress	congress	PROPN
cblr-14253	548	3	has	have	AUX
cblr-14253	548	4	used	use	VERB
cblr-14253	548	5	the	the	DET
cblr-14253	548	6	word	word	NOUN
cblr-14253	548	7	“	"	PUNCT
cblr-14253	548	8	abusive	abusive	ADJ
cblr-14253	548	9	”	"	PUNCT
cblr-14253	548	10	to	to	PART
cblr-14253	548	11	describe	describe	VERB
cblr-14253	548	12	certain	certain	ADJ
cblr-14253	548	13	financial	financial	ADJ
cblr-14253	548	14	practices	practice	NOUN
cblr-14253	548	15	in	in	ADP
cblr-14253	548	16	the	the	DET
cblr-14253	548	17	past	past	NOUN
cblr-14253	548	18	.	.	PUNCT
cblr-14253	549	1	for	for	ADP
cblr-14253	549	2	example	example	NOUN
cblr-14253	549	3	,	,	PUNCT
cblr-14253	549	4	the	the	DET
cblr-14253	549	5	fair	fair	ADJ
cblr-14253	549	6	debt	debt	NOUN
cblr-14253	549	7	collection	collection	NOUN
cblr-14253	549	8	practices	practice	NOUN
cblr-14253	549	9	act	act	VERB
cblr-14253	549	10	characterized	characterize	VERB
cblr-14253	549	11	some	some	DET
cblr-14253	549	12	harassing	harassing	ADJ
cblr-14253	549	13	debtcollection	debtcollection	NOUN
cblr-14253	549	14	practices	practice	NOUN
cblr-14253	549	15	as	as	ADP
cblr-14253	549	16	“	"	PUNCT
cblr-14253	549	17	abusive	abusive	ADJ
cblr-14253	549	18	.	.	PUNCT
cblr-14253	549	19	”102	”102	PUNCT
cblr-14253	550	1	and	and	CCONJ
cblr-14253	550	2	,	,	PUNCT
cblr-14253	550	3	interestingly	interestingly	ADV
cblr-14253	550	4	,	,	PUNCT
cblr-14253	550	5	congress	congress	PROPN
cblr-14253	550	6	’s	’s	PART
cblr-14253	550	7	legislative	legislative	ADJ
cblr-14253	550	8	findings	finding	NOUN
cblr-14253	550	9	in	in	ADP
cblr-14253	550	10	enacting	enact	VERB
cblr-14253	550	11	respa	respa	NOUN
cblr-14253	550	12	characterized	characterize	VERB
cblr-14253	550	13	as	as	ADP
cblr-14253	550	14	“	"	PUNCT
cblr-14253	550	15	abusive	abusive	ADJ
cblr-14253	550	16	”	"	PUNCT
cblr-14253	550	17	kickback	kickback	NOUN
cblr-14253	550	18	payments	payment	NOUN
cblr-14253	550	19	that	that	PRON
cblr-14253	550	20	unnecessarily	unnecessarily	ADV
cblr-14253	550	21	increase	increase	VERB
cblr-14253	550	22	settlement	settlement	NOUN
cblr-14253	550	23	costs.103	costs.103	NOUN
cblr-14253	550	24	but	but	CCONJ
cblr-14253	550	25	the	the	DET
cblr-14253	550	26	doddfrank	doddfrank	PROPN
cblr-14253	550	27	act	act	NOUN
cblr-14253	550	28	set	set	VERB
cblr-14253	550	29	out	out	ADP
cblr-14253	550	30	new	new	ADJ
cblr-14253	550	31	,	,	PUNCT
cblr-14253	550	32	independent	independent	ADJ
cblr-14253	550	33	,	,	PUNCT
cblr-14253	550	34	and	and	CCONJ
cblr-14253	550	35	potentially	potentially	ADV
cblr-14253	550	36	farreaching	farreache	VERB
cblr-14253	550	37	standards	standard	NOUN
cblr-14253	550	38	creating	create	VERB
cblr-14253	550	39	a	a	DET
cblr-14253	550	40	public	public	ADJ
cblr-14253	550	41	cause	cause	NOUN
cblr-14253	550	42	of	of	ADP
cblr-14253	550	43	action	action	NOUN
cblr-14253	550	44	for	for	ADP
cblr-14253	550	45	abusive	abusive	ADJ
cblr-14253	550	46	financial	financial	ADJ
cblr-14253	550	47	practices.104	practices.104	NOUN
cblr-14253	550	48	the	the	DET
cblr-14253	550	49	dodd	dodd	PROPN
cblr-14253	550	50	-	-	PUNCT
cblr-14253	550	51	frank	frank	PROPN
cblr-14253	550	52	act	act	PROPN
cblr-14253	550	53	’s	’s	PART
cblr-14253	550	54	general	general	ADJ
cblr-14253	550	55	prohibition	prohibition	NOUN
cblr-14253	550	56	on	on	ADP
cblr-14253	550	57	abusive	abusive	ADJ
cblr-14253	550	58	conduct	conduct	NOUN
cblr-14253	550	59	restricts	restrict	VERB
cblr-14253	550	60	actions	action	NOUN
cblr-14253	550	61	that	that	PRON
cblr-14253	550	62	interfere	interfere	VERB
cblr-14253	550	63	with	with	ADP
cblr-14253	550	64	the	the	DET
cblr-14253	550	65	ability	ability	NOUN
cblr-14253	550	66	of	of	ADP
cblr-14253	550	67	a	a	DET
cblr-14253	550	68	consumer	consumer	NOUN
cblr-14253	550	69	to	to	PART
cblr-14253	550	70	understand	understand	VERB
cblr-14253	550	71	a	a	DET
cblr-14253	550	72	consumerfinancial	consumerfinancial	ADJ
cblr-14253	550	73	product	product	NOUN
cblr-14253	550	74	or	or	CCONJ
cblr-14253	550	75	take	take	VERB
cblr-14253	550	76	unreasonable	unreasonable	ADJ
cblr-14253	550	77	advantage	advantage	NOUN
cblr-14253	550	78	of	of	ADP
cblr-14253	550	79	certain	certain	ADJ
cblr-14253	550	80	vulnerable	vulnerable	ADJ
cblr-14253	550	81	consumers.105	consumers.105	ADJ
cblr-14253	550	82	real	real	ADJ
cblr-14253	550	83	-	-	PUNCT
cblr-14253	550	84	estate	estate	NOUN
cblr-14253	550	85	agents	agent	NOUN
cblr-14253	550	86	who	who	PRON
cblr-14253	550	87	participate	participate	VERB
cblr-14253	550	88	in	in	ADP
cblr-14253	550	89	joint	joint	ADJ
cblr-14253	550	90	ventures	venture	NOUN
cblr-14253	550	91	with	with	ADP
cblr-14253	550	92	mortgage	mortgage	NOUN
cblr-14253	550	93	lenders	lender	NOUN
cblr-14253	550	94	or	or	CCONJ
cblr-14253	550	95	title	title	NOUN
cblr-14253	550	96	companies	company	NOUN
cblr-14253	550	97	potentially	potentially	ADV
cblr-14253	550	98	violate	violate	VERB
cblr-14253	550	99	the	the	DET
cblr-14253	550	100	dodd	dodd	PROPN
cblr-14253	550	101	-	-	PUNCT
cblr-14253	550	102	frank	frank	PROPN
cblr-14253	550	103	act	act	PROPN
cblr-14253	550	104	’s	’s	PART
cblr-14253	550	105	abusive	abusive	ADJ
cblr-14253	550	106	-	-	PUNCT
cblr-14253	550	107	conduct	conduct	NOUN
cblr-14253	550	108	prohibition	prohibition	NOUN
cblr-14253	550	109	.	.	PUNCT
cblr-14253	551	1	in	in	ADP
cblr-14253	551	2	this	this	DET
cblr-14253	551	3	part	part	NOUN
cblr-14253	551	4	we	we	PRON
cblr-14253	551	5	100	100	NUM
cblr-14253	551	6	12	12	NUM
cblr-14253	551	7	u.s.c	u.s.c	NOUN
cblr-14253	551	8	.	.	PUNCT
cblr-14253	552	1	§	§	PROPN
cblr-14253	552	2	§	§	PROPN
cblr-14253	552	3	5581(b)(7	5581(b)(7	PROPN
cblr-14253	552	4	)	)	PUNCT
cblr-14253	552	5	,	,	PUNCT
cblr-14253	552	6	5512(a	5512(a	NOUN
cblr-14253	552	7	)	)	PUNCT
cblr-14253	552	8	,	,	PUNCT
cblr-14253	552	9	5481(14	5481(14	NOUN
cblr-14253	552	10	)	)	PUNCT
cblr-14253	552	11	,	,	PUNCT
cblr-14253	552	12	5481(12)(m	5481(12)(m	NUM
cblr-14253	552	13	)	)	PUNCT
cblr-14253	552	14	.	.	PUNCT
cblr-14253	553	1	see	see	VERB
cblr-14253	553	2	also	also	ADV
cblr-14253	553	3	removal	removal	NOUN
cblr-14253	553	4	of	of	ADP
cblr-14253	553	5	regulations	regulation	NOUN
cblr-14253	553	6	transferred	transfer	VERB
cblr-14253	553	7	to	to	ADP
cblr-14253	553	8	the	the	DET
cblr-14253	553	9	consumer	consumer	NOUN
cblr-14253	553	10	financial	financial	PROPN
cblr-14253	553	11	protection	protection	PROPN
cblr-14253	553	12	bureau	bureau	PROPN
cblr-14253	553	13	,	,	PUNCT
cblr-14253	553	14	79	79	NUM
cblr-14253	553	15	fed	feed	VERB
cblr-14253	553	16	.	.	PUNCT
cblr-14253	554	1	reg	reg	PROPN
cblr-14253	554	2	.	.	PUNCT
cblr-14253	555	1	34224	34224	NUM
cblr-14253	555	2	-	-	SYM
cblr-14253	555	3	01	01	NUM
cblr-14253	555	4	,	,	PUNCT
cblr-14253	555	5	34225	34225	NUM
cblr-14253	555	6	(	(	PUNCT
cblr-14253	555	7	june	june	PROPN
cblr-14253	555	8	16	16	NUM
cblr-14253	555	9	,	,	PUNCT
cblr-14253	555	10	2014	2014	NUM
cblr-14253	555	11	)	)	PUNCT
cblr-14253	555	12	.	.	PUNCT
cblr-14253	556	1	101	101	NUM
cblr-14253	556	2	pub	pub	NOUN
cblr-14253	556	3	.	.	PUNCT
cblr-14253	557	1	l.	l.	PROPN
cblr-14253	557	2	no	no	INTJ
cblr-14253	557	3	.	.	PROPN
cblr-14253	558	1	95	95	NUM
cblr-14253	558	2	-	-	SYM
cblr-14253	558	3	109	109	NUM
cblr-14253	558	4	,	,	PUNCT
cblr-14253	558	5	91	91	NUM
cblr-14253	558	6	stat	stat	NOUN
cblr-14253	558	7	.	.	PUNCT
cblr-14253	559	1	874	874	NUM
cblr-14253	559	2	(	(	PUNCT
cblr-14253	559	3	1977	1977	NUM
cblr-14253	559	4	)	)	PUNCT
cblr-14253	559	5	;	;	PUNCT
cblr-14253	559	6	12	12	NUM
cblr-14253	559	7	u.s.c	u.s.c	NOUN
cblr-14253	559	8	.	.	PUNCT
cblr-14253	560	1	§	§	PROPN
cblr-14253	560	2	5531(d	5531(d	PROPN
cblr-14253	560	3	)	)	PUNCT
cblr-14253	560	4	(	(	PUNCT
cblr-14253	560	5	“	"	PUNCT
cblr-14253	560	6	abusive	abusive	ADJ
cblr-14253	560	7	debt	debt	NOUN
cblr-14253	560	8	collection	collection	NOUN
cblr-14253	560	9	practices	practice	NOUN
cblr-14253	560	10	contribute	contribute	VERB
cblr-14253	560	11	to	to	ADP
cblr-14253	560	12	the	the	DET
cblr-14253	560	13	number	number	NOUN
cblr-14253	560	14	of	of	ADP
cblr-14253	560	15	personal	personal	ADJ
cblr-14253	560	16	bankruptcies	bankruptcy	NOUN
cblr-14253	560	17	,	,	PUNCT
cblr-14253	560	18	to	to	ADP
cblr-14253	560	19	marital	marital	ADJ
cblr-14253	560	20	instability	instability	NOUN
cblr-14253	560	21	,	,	PUNCT
cblr-14253	560	22	to	to	ADP
cblr-14253	560	23	the	the	DET
cblr-14253	560	24	loss	loss	NOUN
cblr-14253	560	25	of	of	ADP
cblr-14253	560	26	jobs	job	NOUN
cblr-14253	560	27	,	,	PUNCT
cblr-14253	560	28	and	and	CCONJ
cblr-14253	560	29	to	to	ADP
cblr-14253	560	30	invasions	invasion	NOUN
cblr-14253	560	31	of	of	ADP
cblr-14253	560	32	individual	individual	ADJ
cblr-14253	560	33	privacy	privacy	NOUN
cblr-14253	560	34	.	.	PUNCT
cblr-14253	560	35	”	"	PUNCT
cblr-14253	560	36	)	)	PUNCT
cblr-14253	560	37	;	;	PUNCT
cblr-14253	560	38	15	15	NUM
cblr-14253	560	39	u.s.c	u.s.c	NOUN
cblr-14253	560	40	.	.	PUNCT
cblr-14253	561	1	§	§	PROPN
cblr-14253	561	2	1692d	1692d	NUM
cblr-14253	561	3	(	(	PUNCT
cblr-14253	561	4	prohibiting	prohibit	VERB
cblr-14253	561	5	“	"	PUNCT
cblr-14253	561	6	any	any	DET
cblr-14253	561	7	conduct	conduct	NOUN
cblr-14253	561	8	the	the	DET
cblr-14253	561	9	natural	natural	ADJ
cblr-14253	561	10	consequence	consequence	NOUN
cblr-14253	561	11	of	of	ADP
cblr-14253	561	12	which	which	PRON
cblr-14253	561	13	is	be	AUX
cblr-14253	561	14	to	to	PART
cblr-14253	561	15	harass	harass	VERB
cblr-14253	561	16	,	,	PUNCT
cblr-14253	561	17	oppress	oppress	NOUN
cblr-14253	561	18	,	,	PUNCT
cblr-14253	561	19	or	or	CCONJ
cblr-14253	561	20	abuse	abuse	VERB
cblr-14253	561	21	any	any	DET
cblr-14253	561	22	person	person	NOUN
cblr-14253	561	23	in	in	ADP
cblr-14253	561	24	connection	connection	NOUN
cblr-14253	561	25	with	with	ADP
cblr-14253	561	26	the	the	DET
cblr-14253	561	27	collection	collection	NOUN
cblr-14253	561	28	of	of	ADP
cblr-14253	561	29	a	a	DET
cblr-14253	561	30	debt	debt	NOUN
cblr-14253	561	31	”	"	PUNCT
cblr-14253	561	32	)	)	PUNCT
cblr-14253	561	33	(	(	PUNCT
cblr-14253	561	34	emphasis	emphasis	NOUN
cblr-14253	561	35	added	add	VERB
cblr-14253	561	36	)	)	PUNCT
cblr-14253	561	37	.	.	PUNCT
cblr-14253	562	1	102	102	NUM
cblr-14253	562	2	15	15	NUM
cblr-14253	562	3	u.s.c	u.s.c	NOUN
cblr-14253	562	4	.	.	PUNCT
cblr-14253	563	1	§	§	PROPN
cblr-14253	563	2	1692(a	1692(a	NUM
cblr-14253	563	3	)	)	PUNCT
cblr-14253	563	4	.	.	PUNCT
cblr-14253	564	1	103	103	NUM
cblr-14253	564	2	real	real	ADJ
cblr-14253	564	3	estate	estate	NOUN
cblr-14253	564	4	settlement	settlement	NOUN
cblr-14253	564	5	procedures	procedure	NOUN
cblr-14253	564	6	act	act	VERB
cblr-14253	564	7	,	,	PUNCT
cblr-14253	564	8	pub	pub	NOUN
cblr-14253	564	9	.	.	PUNCT
cblr-14253	565	1	l.	l.	PROPN
cblr-14253	565	2	no	no	INTJ
cblr-14253	565	3	.	.	PROPN
cblr-14253	566	1	93	93	NUM
cblr-14253	566	2	-	-	SYM
cblr-14253	566	3	533	533	NUM
cblr-14253	566	4	,	,	PUNCT
cblr-14253	566	5	88	88	NUM
cblr-14253	566	6	stat	stat	NOUN
cblr-14253	566	7	.	.	PUNCT
cblr-14253	567	1	1724	1724	NUM
cblr-14253	567	2	(	(	PUNCT
cblr-14253	567	3	1974	1974	NUM
cblr-14253	567	4	)	)	PUNCT
cblr-14253	567	5	(	(	PUNCT
cblr-14253	567	6	codified	codify	VERB
cblr-14253	567	7	at	at	ADP
cblr-14253	567	8	12	12	NUM
cblr-14253	567	9	u.s.c	u.s.c	NOUN
cblr-14253	567	10	.	.	PUNCT
cblr-14253	568	1	§	§	PROPN
cblr-14253	568	2	2601(a	2601(a	NOUN
cblr-14253	568	3	)	)	PUNCT
cblr-14253	568	4	)	)	PUNCT
cblr-14253	569	1	(	(	PUNCT
cblr-14253	569	2	congressional	congressional	ADJ
cblr-14253	569	3	finding	finding	NOUN
cblr-14253	569	4	reform	reform	NOUN
cblr-14253	569	5	to	to	ADP
cblr-14253	569	6	the	the	DET
cblr-14253	569	7	real	real	ADJ
cblr-14253	569	8	estate	estate	NOUN
cblr-14253	569	9	settlement	settlement	NOUN
cblr-14253	569	10	procedures	procedure	NOUN
cblr-14253	569	11	was	be	AUX
cblr-14253	569	12	needed	need	VERB
cblr-14253	569	13	to	to	PART
cblr-14253	569	14	protect	protect	VERB
cblr-14253	569	15	consumers	consumer	NOUN
cblr-14253	569	16	“	"	PUNCT
cblr-14253	569	17	from	from	ADP
cblr-14253	569	18	unnecessarily	unnecessarily	ADV
cblr-14253	569	19	high	high	ADJ
cblr-14253	569	20	settlement	settlement	NOUN
cblr-14253	569	21	charges	charge	NOUN
cblr-14253	569	22	caused	cause	VERB
cblr-14253	569	23	by	by	ADP
cblr-14253	569	24	certain	certain	ADJ
cblr-14253	569	25	abusive	abusive	ADJ
cblr-14253	569	26	practices	practice	NOUN
cblr-14253	569	27	”	"	PUNCT
cblr-14253	569	28	)	)	PUNCT
cblr-14253	569	29	(	(	PUNCT
cblr-14253	569	30	emphasis	emphasis	NOUN
cblr-14253	569	31	added	add	VERB
cblr-14253	569	32	)	)	PUNCT
cblr-14253	569	33	.	.	PUNCT
cblr-14253	570	1	104	104	NUM
cblr-14253	570	2	statement	statement	NOUN
cblr-14253	570	3	of	of	ADP
cblr-14253	570	4	policy	policy	NOUN
cblr-14253	570	5	regarding	regard	VERB
cblr-14253	570	6	prohibition	prohibition	NOUN
cblr-14253	570	7	on	on	ADP
cblr-14253	570	8	abusive	abusive	ADJ
cblr-14253	570	9	acts	act	NOUN
cblr-14253	570	10	or	or	CCONJ
cblr-14253	570	11	practices	practice	NOUN
cblr-14253	570	12	,	,	PUNCT
cblr-14253	570	13	88	88	NUM
cblr-14253	570	14	fed	feed	VERB
cblr-14253	570	15	.	.	PUNCT
cblr-14253	571	1	reg	reg	PROPN
cblr-14253	571	2	.	.	PUNCT
cblr-14253	572	1	21883	21883	NUM
cblr-14253	572	2	,	,	PUNCT
cblr-14253	572	3	21884	21884	NUM
cblr-14253	572	4	(	(	PUNCT
cblr-14253	572	5	apr	apr	PROPN
cblr-14253	572	6	.	.	PROPN
cblr-14253	572	7	12	12	NUM
cblr-14253	572	8	,	,	PUNCT
cblr-14253	572	9	2023	2023	NUM
cblr-14253	572	10	)	)	PUNCT
cblr-14253	572	11	,	,	PUNCT
cblr-14253	573	1	https://www.govinfo.gov/content/pkg/fr-2023-04-12/pdf/2023-07233.pdf	https://www.govinfo.gov/content/pkg/fr-2023-04-12/pdf/2023-07233.pdf	X
cblr-14253	574	1	[	[	X
cblr-14253	574	2	https://perma.cc/btk4-nutq	https://perma.cc/btk4-nutq	X
cblr-14253	574	3	]	]	X
cblr-14253	574	4	[	[	X
cblr-14253	574	5	hereinafter	hereinafter	NOUN
cblr-14253	574	6	cfpb	cfpb	ADJ
cblr-14253	574	7	policy	policy	NOUN
cblr-14253	574	8	statement	statement	NOUN
cblr-14253	574	9	]	]	X
cblr-14253	574	10	.	.	PUNCT
cblr-14253	575	1	105	105	NUM
cblr-14253	575	2	12	12	NUM
cblr-14253	575	3	u.s.c	u.s.c	NOUN
cblr-14253	575	4	.	.	PUNCT
cblr-14253	576	1	§	§	PROPN
cblr-14253	576	2	5531(d	5531(d	PROPN
cblr-14253	576	3	)	)	PUNCT
cblr-14253	576	4	.	.	PUNCT
cblr-14253	577	1	424	424	NUM
cblr-14253	577	2	columbia	columbia	PROPN
cblr-14253	577	3	business	business	NOUN
cblr-14253	577	4	law	law	PROPN
cblr-14253	577	5	review	review	NOUN
cblr-14253	577	6	[	[	X
cblr-14253	577	7	vol	vol	NOUN
cblr-14253	577	8	.	.	PUNCT
cblr-14253	577	9	2025	2025	NUM
cblr-14253	577	10	begin	begin	VERB
cblr-14253	577	11	with	with	ADP
cblr-14253	577	12	an	an	DET
cblr-14253	577	13	explanation	explanation	NOUN
cblr-14253	577	14	of	of	ADP
cblr-14253	577	15	why	why	SCONJ
cblr-14253	577	16	real	real	ADJ
cblr-14253	577	17	-	-	PUNCT
cblr-14253	577	18	estate	estate	NOUN
cblr-14253	577	19	agents	agent	NOUN
cblr-14253	577	20	who	who	PRON
cblr-14253	577	21	participate	participate	VERB
cblr-14253	577	22	in	in	ADP
cblr-14253	577	23	settlement	settlement	NOUN
cblr-14253	577	24	joint	joint	ADJ
cblr-14253	577	25	ventures	venture	NOUN
cblr-14253	577	26	are	be	AUX
cblr-14253	577	27	subject	subject	ADJ
cblr-14253	577	28	to	to	ADP
cblr-14253	577	29	the	the	DET
cblr-14253	577	30	consumer	consumer	NOUN
cblr-14253	577	31	financial	financial	PROPN
cblr-14253	577	32	protection	protection	PROPN
cblr-14253	577	33	act	act	PROPN
cblr-14253	577	34	(	(	PUNCT
cblr-14253	577	35	cfpa	cfpa	NOUN
cblr-14253	577	36	)	)	PUNCT
cblr-14253	577	37	.	.	PUNCT
cblr-14253	578	1	next	next	ADV
cblr-14253	578	2	,	,	PUNCT
cblr-14253	578	3	we	we	PRON
cblr-14253	578	4	argue	argue	VERB
cblr-14253	578	5	that	that	SCONJ
cblr-14253	578	6	real	real	ADJ
cblr-14253	578	7	-	-	PUNCT
cblr-14253	578	8	estate	estate	NOUN
cblr-14253	578	9	agents	agent	NOUN
cblr-14253	578	10	are	be	AUX
cblr-14253	578	11	subject	subject	ADJ
cblr-14253	578	12	to	to	ADP
cblr-14253	578	13	potential	potential	ADJ
cblr-14253	578	14	liability	liability	NOUN
cblr-14253	578	15	for	for	ADP
cblr-14253	578	16	violating	violate	VERB
cblr-14253	578	17	the	the	DET
cblr-14253	578	18	cfpa	cfpa	NOUN
cblr-14253	578	19	’s	’s	PART
cblr-14253	578	20	abusive	abusive	ADJ
cblr-14253	578	21	-	-	PUNCT
cblr-14253	578	22	practices	practice	NOUN
cblr-14253	578	23	prohibition	prohibition	NOUN
cblr-14253	578	24	in	in	ADP
cblr-14253	578	25	two	two	NUM
cblr-14253	578	26	ways	way	NOUN
cblr-14253	578	27	.	.	PUNCT
cblr-14253	579	1	first	first	ADV
cblr-14253	579	2	,	,	PUNCT
cblr-14253	579	3	an	an	DET
cblr-14253	579	4	agent	agent	NOUN
cblr-14253	579	5	may	may	AUX
cblr-14253	579	6	be	be	AUX
cblr-14253	579	7	engaging	engage	VERB
cblr-14253	579	8	in	in	ADP
cblr-14253	579	9	abusive	abusive	ADJ
cblr-14253	579	10	conduct	conduct	NOUN
cblr-14253	579	11	when	when	SCONJ
cblr-14253	579	12	they	they	PRON
cblr-14253	579	13	steer	steer	VERB
cblr-14253	579	14	their	their	PRON
cblr-14253	579	15	customers	customer	NOUN
cblr-14253	579	16	to	to	ADP
cblr-14253	579	17	a	a	DET
cblr-14253	579	18	joint	joint	ADJ
cblr-14253	579	19	venture	venture	NOUN
cblr-14253	579	20	that	that	PRON
cblr-14253	579	21	the	the	DET
cblr-14253	579	22	agent	agent	NOUN
cblr-14253	579	23	partly	partly	ADV
cblr-14253	579	24	owns	own	VERB
cblr-14253	579	25	,	,	PUNCT
cblr-14253	579	26	rather	rather	ADV
cblr-14253	579	27	than	than	ADP
cblr-14253	579	28	to	to	ADP
cblr-14253	579	29	a	a	DET
cblr-14253	579	30	mortgage	mortgage	NOUN
cblr-14253	579	31	or	or	CCONJ
cblr-14253	579	32	title	title	NOUN
cblr-14253	579	33	company	company	NOUN
cblr-14253	579	34	that	that	PRON
cblr-14253	579	35	might	might	AUX
cblr-14253	579	36	act	act	VERB
cblr-14253	579	37	in	in	ADP
cblr-14253	579	38	the	the	DET
cblr-14253	579	39	consumer	consumer	NOUN
cblr-14253	579	40	’s	’s	PART
cblr-14253	579	41	best	good	ADJ
cblr-14253	579	42	interest	interest	NOUN
cblr-14253	579	43	.	.	PUNCT
cblr-14253	580	1	second	second	ADJ
cblr-14253	580	2	,	,	PUNCT
cblr-14253	580	3	when	when	SCONJ
cblr-14253	580	4	an	an	DET
cblr-14253	580	5	agent	agent	NOUN
cblr-14253	580	6	participates	participate	VERB
cblr-14253	580	7	in	in	ADP
cblr-14253	580	8	a	a	DET
cblr-14253	580	9	title	title	NOUN
cblr-14253	580	10	-	-	PUNCT
cblr-14253	580	11	company	company	NOUN
cblr-14253	580	12	joint	joint	ADJ
cblr-14253	580	13	venture	venture	NOUN
cblr-14253	580	14	that	that	PRON
cblr-14253	580	15	serves	serve	VERB
cblr-14253	580	16	as	as	ADP
cblr-14253	580	17	the	the	DET
cblr-14253	580	18	escrow	escrow	ADJ
cblr-14253	580	19	agent	agent	NOUN
cblr-14253	580	20	at	at	ADP
cblr-14253	580	21	closing	closing	NOUN
cblr-14253	580	22	,	,	PUNCT
cblr-14253	580	23	the	the	DET
cblr-14253	580	24	agent	agent	NOUN
cblr-14253	580	25	may	may	AUX
cblr-14253	580	26	have	have	VERB
cblr-14253	580	27	an	an	DET
cblr-14253	580	28	irreconcilable	irreconcilable	ADJ
cblr-14253	580	29	conflict	conflict	NOUN
cblr-14253	580	30	of	of	ADP
cblr-14253	580	31	interest	interest	NOUN
cblr-14253	580	32	.	.	PUNCT
cblr-14253	581	1	in	in	ADP
cblr-14253	581	2	both	both	DET
cblr-14253	581	3	cases	case	NOUN
cblr-14253	581	4	,	,	PUNCT
cblr-14253	581	5	the	the	DET
cblr-14253	581	6	agent	agent	NOUN
cblr-14253	581	7	may	may	AUX
cblr-14253	581	8	be	be	AUX
cblr-14253	581	9	taking	take	VERB
cblr-14253	581	10	unreasonable	unreasonable	ADJ
cblr-14253	581	11	advantage	advantage	NOUN
cblr-14253	581	12	of	of	ADP
cblr-14253	581	13	a	a	DET
cblr-14253	581	14	consumer	consumer	NOUN
cblr-14253	581	15	’s	’s	PART
cblr-14253	581	16	reasonable	reasonable	ADJ
cblr-14253	581	17	reliance	reliance	NOUN
cblr-14253	581	18	on	on	ADP
cblr-14253	581	19	the	the	DET
cblr-14253	581	20	agent	agent	NOUN
cblr-14253	581	21	to	to	PART
cblr-14253	581	22	act	act	VERB
cblr-14253	581	23	in	in	ADP
cblr-14253	581	24	the	the	DET
cblr-14253	581	25	consumer	consumer	NOUN
cblr-14253	581	26	’s	’s	PART
cblr-14253	581	27	interests	interest	NOUN
cblr-14253	581	28	—	—	PUNCT
cblr-14253	581	29	a	a	DET
cblr-14253	581	30	violation	violation	NOUN
cblr-14253	581	31	of	of	ADP
cblr-14253	581	32	the	the	DET
cblr-14253	581	33	cfpa	cfpa	NOUN
cblr-14253	581	34	.	.	PUNCT
cblr-14253	582	1	a.	a.	NOUN
cblr-14253	583	1	the	the	DET
cblr-14253	583	2	cfpa	cfpa	NOUN
cblr-14253	583	3	applies	apply	VERB
cblr-14253	583	4	to	to	ADP
cblr-14253	583	5	real	real	ADJ
cblr-14253	583	6	-	-	PUNCT
cblr-14253	583	7	estate	estate	NOUN
cblr-14253	583	8	agents	agent	NOUN
cblr-14253	583	9	who	who	PRON
cblr-14253	583	10	partly	partly	ADV
cblr-14253	583	11	own	own	VERB
cblr-14253	583	12	settlement	settlement	NOUN
cblr-14253	583	13	joint	joint	ADJ
cblr-14253	583	14	ventures	venture	NOUN
cblr-14253	583	15	.	.	PUNCT
cblr-14253	584	1	ordinarily	ordinarily	ADV
cblr-14253	584	2	,	,	PUNCT
cblr-14253	584	3	the	the	DET
cblr-14253	584	4	cfpa	cfpa	NOUN
cblr-14253	584	5	might	might	AUX
cblr-14253	584	6	be	be	AUX
cblr-14253	584	7	of	of	ADP
cblr-14253	584	8	little	little	ADJ
cblr-14253	584	9	concern	concern	NOUN
cblr-14253	584	10	to	to	ADP
cblr-14253	584	11	realestate	realestate	VERB
cblr-14253	584	12	agents	agent	NOUN
cblr-14253	584	13	because	because	SCONJ
cblr-14253	584	14	the	the	DET
cblr-14253	584	15	cfpa	cfpa	NOUN
cblr-14253	584	16	applies	apply	VERB
cblr-14253	584	17	only	only	ADV
cblr-14253	584	18	to	to	ADP
cblr-14253	584	19	“	"	PUNCT
cblr-14253	584	20	covered	cover	VERB
cblr-14253	584	21	persons	person	NOUN
cblr-14253	584	22	”	"	PUNCT
cblr-14253	584	23	and	and	CCONJ
cblr-14253	584	24	“	"	PUNCT
cblr-14253	584	25	service	service	NOUN
cblr-14253	584	26	providers	provider	NOUN
cblr-14253	584	27	.	.	PUNCT
cblr-14253	585	1	”106	”106	PUNCT
cblr-14253	585	2	by	by	ADP
cblr-14253	585	3	definition	definition	NOUN
cblr-14253	585	4	,	,	PUNCT
cblr-14253	585	5	congress	congress	PROPN
cblr-14253	585	6	excluded	exclude	VERB
cblr-14253	585	7	real	real	ADJ
cblr-14253	585	8	-	-	PUNCT
cblr-14253	585	9	estate	estate	NOUN
cblr-14253	585	10	agents	agent	NOUN
cblr-14253	585	11	from	from	ADP
cblr-14253	585	12	these	these	DET
cblr-14253	585	13	terms	term	NOUN
cblr-14253	585	14	to	to	ADP
cblr-14253	585	15	the	the	DET
cblr-14253	585	16	extent	extent	NOUN
cblr-14253	585	17	that	that	SCONJ
cblr-14253	585	18	the	the	DET
cblr-14253	585	19	agents	agent	NOUN
cblr-14253	585	20	act	act	VERB
cblr-14253	585	21	for	for	ADP
cblr-14253	585	22	buyers	buyer	NOUN
cblr-14253	585	23	and	and	CCONJ
cblr-14253	585	24	sellers	seller	NOUN
cblr-14253	585	25	of	of	ADP
cblr-14253	585	26	real	real	ADJ
cblr-14253	585	27	property.107	property.107	NOUN
cblr-14253	585	28	moreover	moreover	ADV
cblr-14253	585	29	,	,	PUNCT
cblr-14253	585	30	§	§	PROPN
cblr-14253	585	31	1027(b	1027(b	NOUN
cblr-14253	585	32	)	)	PUNCT
cblr-14253	585	33	of	of	ADP
cblr-14253	585	34	the	the	DET
cblr-14253	585	35	cfpa	cfpa	NOUN
cblr-14253	585	36	prohibits	prohibit	VERB
cblr-14253	585	37	the	the	DET
cblr-14253	585	38	bureau	bureau	NOUN
cblr-14253	585	39	from	from	ADP
cblr-14253	585	40	exercising	exercise	VERB
cblr-14253	585	41	“	"	PUNCT
cblr-14253	585	42	any	any	DET
cblr-14253	585	43	rulemaking	rulemaking	NOUN
cblr-14253	585	44	,	,	PUNCT
cblr-14253	585	45	supervisory	supervisory	ADJ
cblr-14253	585	46	,	,	PUNCT
cblr-14253	585	47	enforcement	enforcement	NOUN
cblr-14253	585	48	,	,	PUNCT
cblr-14253	585	49	or	or	CCONJ
cblr-14253	585	50	other	other	ADJ
cblr-14253	585	51	authority	authority	NOUN
cblr-14253	585	52	.	.	PUNCT
cblr-14253	585	53	.	.	PUNCT
cblr-14253	585	54	.	.	PUNCT
cblr-14253	586	1	with	with	ADP
cblr-14253	586	2	respect	respect	NOUN
cblr-14253	586	3	to	to	ADP
cblr-14253	586	4	a	a	PRON
cblr-14253	586	5	.	.	PUNCT
cblr-14253	586	6	.	.	PUNCT
cblr-14253	586	7	.	.	PUNCT
cblr-14253	587	1	real	real	ADJ
cblr-14253	587	2	estate	estate	NOUN
cblr-14253	587	3	agent	agent	NOUN
cblr-14253	587	4	,	,	PUNCT
cblr-14253	587	5	”	"	PUNCT
cblr-14253	587	6	unless	unless	SCONJ
cblr-14253	587	7	the	the	DET
cblr-14253	587	8	agent	agent	NOUN
cblr-14253	587	9	is	be	AUX
cblr-14253	587	10	“	"	PUNCT
cblr-14253	587	11	engaged	engage	VERB
cblr-14253	587	12	in	in	ADP
cblr-14253	587	13	an	an	DET
cblr-14253	587	14	activity	activity	NOUN
cblr-14253	587	15	of	of	ADP
cblr-14253	587	16	offering	offer	VERB
cblr-14253	587	17	or	or	CCONJ
cblr-14253	587	18	providing	provide	VERB
cblr-14253	587	19	any	any	DET
cblr-14253	587	20	consumer	consumer	NOUN
cblr-14253	587	21	financial	financial	ADJ
cblr-14253	587	22	product	product	NOUN
cblr-14253	587	23	or	or	CCONJ
cblr-14253	587	24	service	service	NOUN
cblr-14253	587	25	.	.	PUNCT
cblr-14253	588	1	”108	”108	PUNCT
cblr-14253	589	1	but	but	CCONJ
cblr-14253	589	2	when	when	SCONJ
cblr-14253	589	3	real	real	ADJ
cblr-14253	589	4	-	-	PUNCT
cblr-14253	589	5	estate	estate	NOUN
cblr-14253	589	6	agents	agent	NOUN
cblr-14253	589	7	enter	enter	VERB
cblr-14253	589	8	into	into	ADP
cblr-14253	589	9	joint	joint	ADJ
cblr-14253	589	10	ventures	venture	NOUN
cblr-14253	589	11	with	with	ADP
cblr-14253	589	12	mortgage	mortgage	NOUN
cblr-14253	589	13	or	or	CCONJ
cblr-14253	589	14	title	title	NOUN
cblr-14253	589	15	companies	company	NOUN
cblr-14253	589	16	,	,	PUNCT
cblr-14253	589	17	they	they	PRON
cblr-14253	589	18	expose	expose	VERB
cblr-14253	589	19	themselves	themselves	PRON
cblr-14253	589	20	to	to	ADP
cblr-14253	589	21	the	the	DET
cblr-14253	589	22	cfpa	cfpa	NOUN
cblr-14253	589	23	.	.	PUNCT
cblr-14253	590	1	a	a	DET
cblr-14253	590	2	real	real	ADJ
cblr-14253	590	3	-	-	PUNCT
cblr-14253	590	4	estate	estate	NOUN
cblr-14253	590	5	-	-	PUNCT
cblr-14253	590	6	settlement	settlement	NOUN
cblr-14253	590	7	joint	joint	ADJ
cblr-14253	590	8	venture	venture	NOUN
cblr-14253	590	9	is	be	AUX
cblr-14253	590	10	,	,	PUNCT
cblr-14253	590	11	itself	itself	PRON
cblr-14253	590	12	,	,	PUNCT
cblr-14253	590	13	a	a	DET
cblr-14253	590	14	“	"	PUNCT
cblr-14253	590	15	covered	covered	ADJ
cblr-14253	590	16	person	person	NOUN
cblr-14253	590	17	”	"	PUNCT
cblr-14253	590	18	under	under	ADP
cblr-14253	590	19	the	the	DET
cblr-14253	590	20	cfpa	cfpa	NOUN
cblr-14253	590	21	,	,	PUNCT
cblr-14253	590	22	because	because	SCONJ
cblr-14253	590	23	it	it	PRON
cblr-14253	590	24	offers	offer	VERB
cblr-14253	590	25	mortgage	mortgage	NOUN
cblr-14253	590	26	or	or	CCONJ
cblr-14253	590	27	title	title	NOUN
cblr-14253	590	28	services.109	services.109	VERB
cblr-14253	590	29	and	and	CCONJ
cblr-14253	590	30	joint	joint	ADJ
cblr-14253	590	31	-	-	PUNCT
cblr-14253	590	32	venture	venture	NOUN
cblr-14253	590	33	partners	partner	NOUN
cblr-14253	590	34	who	who	PRON
cblr-14253	590	35	materially	materially	ADV
cblr-14253	590	36	106	106	NUM
cblr-14253	590	37	see	see	VERB
cblr-14253	590	38	12	12	NUM
cblr-14253	590	39	u.s.c	u.s.c	ADJ
cblr-14253	590	40	.	.	PUNCT
cblr-14253	591	1	§	§	PROPN
cblr-14253	591	2	5536(a)(1)(b	5536(a)(1)(b	NUM
cblr-14253	591	3	)	)	PUNCT
cblr-14253	591	4	.	.	PUNCT
cblr-14253	592	1	107	107	NUM
cblr-14253	592	2	12	12	NUM
cblr-14253	592	3	u.s.c	u.s.c	ADJ
cblr-14253	592	4	§	§	PROPN
cblr-14253	592	5	5481(6	5481(6	NUM
cblr-14253	592	6	)	)	PUNCT
cblr-14253	592	7	,	,	PUNCT
cblr-14253	592	8	(	(	PUNCT
cblr-14253	592	9	26	26	NUM
cblr-14253	592	10	)	)	PUNCT
cblr-14253	592	11	.	.	PUNCT
cblr-14253	593	1	108	108	NUM
cblr-14253	593	2	see	see	VERB
cblr-14253	593	3	12	12	NUM
cblr-14253	593	4	u.s.c	u.s.c	ADJ
cblr-14253	593	5	.	.	PUNCT
cblr-14253	594	1	§	§	PROPN
cblr-14253	594	2	5517(b	5517(b	NUM
cblr-14253	594	3	)	)	PUNCT
cblr-14253	594	4	.	.	PUNCT
cblr-14253	595	1	109	109	NUM
cblr-14253	595	2	see	see	VERB
cblr-14253	595	3	12	12	NUM
cblr-14253	595	4	u.s.c	u.s.c	ADJ
cblr-14253	595	5	.	.	PUNCT
cblr-14253	596	1	§	§	PROPN
cblr-14253	596	2	5481(6	5481(6	NUM
cblr-14253	596	3	)	)	PUNCT
cblr-14253	596	4	,	,	PUNCT
cblr-14253	596	5	(	(	PUNCT
cblr-14253	596	6	15)(a)(i	15)(a)(i	NUM
cblr-14253	596	7	)	)	PUNCT
cblr-14253	596	8	,	,	PUNCT
cblr-14253	596	9	(	(	PUNCT
cblr-14253	596	10	iii	iii	NOUN
cblr-14253	596	11	)	)	PUNCT
cblr-14253	596	12	.	.	PUNCT
cblr-14253	597	1	no	no	INTJ
cblr-14253	597	2	.	.	NOUN
cblr-14253	598	1	1	1	NUM
cblr-14253	598	2	]	]	PUNCT
cblr-14253	598	3	corrupt	corrupt	ADJ
cblr-14253	598	4	joint	joint	ADJ
cblr-14253	598	5	ventures	venture	NOUN
cblr-14253	598	6	425	425	NUM
cblr-14253	598	7	participate	participate	NOUN
cblr-14253	598	8	in	in	ADP
cblr-14253	598	9	the	the	DET
cblr-14253	598	10	affairs	affair	NOUN
cblr-14253	598	11	of	of	ADP
cblr-14253	598	12	their	their	PRON
cblr-14253	598	13	covered	cover	VERB
cblr-14253	598	14	-	-	PUNCT
cblr-14253	598	15	person	person	NOUN
cblr-14253	598	16	entity	entity	NOUN
cblr-14253	598	17	are	be	AUX
cblr-14253	598	18	“	"	PUNCT
cblr-14253	598	19	related	related	ADJ
cblr-14253	598	20	persons,”110	persons,”110	NOUN
cblr-14253	598	21	which	which	PRON
cblr-14253	598	22	the	the	DET
cblr-14253	598	23	cfpa	cfpa	NOUN
cblr-14253	598	24	treats	treat	VERB
cblr-14253	598	25	as	as	ADP
cblr-14253	598	26	“	"	PUNCT
cblr-14253	598	27	covered	cover	VERB
cblr-14253	598	28	persons	person	NOUN
cblr-14253	598	29	.	.	PUNCT
cblr-14253	599	1	”111	”111	NOUN
cblr-14253	599	2	one	one	NUM
cblr-14253	599	3	way	way	NOUN
cblr-14253	599	4	that	that	PRON
cblr-14253	599	5	real	real	ADJ
cblr-14253	599	6	-	-	PUNCT
cblr-14253	599	7	estate	estate	NOUN
cblr-14253	599	8	agents	agent	NOUN
cblr-14253	599	9	“	"	PUNCT
cblr-14253	599	10	materially	materially	ADV
cblr-14253	599	11	participate	participate	VERB
cblr-14253	599	12	”	"	PUNCT
cblr-14253	599	13	in	in	ADP
cblr-14253	599	14	the	the	DET
cblr-14253	599	15	affairs	affair	NOUN
cblr-14253	599	16	of	of	ADP
cblr-14253	599	17	their	their	PRON
cblr-14253	599	18	joint	joint	ADJ
cblr-14253	599	19	ventures	venture	NOUN
cblr-14253	599	20	is	be	AUX
cblr-14253	599	21	by	by	ADP
cblr-14253	599	22	referring	refer	VERB
cblr-14253	599	23	their	their	PRON
cblr-14253	599	24	real	real	ADJ
cblr-14253	599	25	-	-	PUNCT
cblr-14253	599	26	estate	estate	NOUN
cblr-14253	599	27	customers	customer	NOUN
cblr-14253	599	28	to	to	ADP
cblr-14253	599	29	the	the	DET
cblr-14253	599	30	joint	joint	ADJ
cblr-14253	599	31	ventures	venture	NOUN
cblr-14253	599	32	for	for	ADP
cblr-14253	599	33	mortgage	mortgage	NOUN
cblr-14253	599	34	or	or	CCONJ
cblr-14253	599	35	title	title	NOUN
cblr-14253	599	36	services.112	services.112	PROPN
cblr-14253	600	1	this	this	DET
cblr-14253	600	2	same	same	ADJ
cblr-14253	600	3	conduct	conduct	NOUN
cblr-14253	600	4	might	might	AUX
cblr-14253	600	5	also	also	ADV
cblr-14253	600	6	qualify	qualify	VERB
cblr-14253	600	7	a	a	DET
cblr-14253	600	8	real	real	ADJ
cblr-14253	600	9	-	-	PUNCT
cblr-14253	600	10	estate	estate	NOUN
cblr-14253	600	11	agent	agent	NOUN
cblr-14253	600	12	as	as	ADP
cblr-14253	600	13	a	a	DET
cblr-14253	600	14	“	"	PUNCT
cblr-14253	600	15	service	service	NOUN
cblr-14253	600	16	provider	provider	NOUN
cblr-14253	600	17	,	,	PUNCT
cblr-14253	600	18	”	"	PUNCT
cblr-14253	600	19	which	which	PRON
cblr-14253	600	20	the	the	DET
cblr-14253	600	21	cfpa	cfpa	NOUN
cblr-14253	600	22	defines	define	VERB
cblr-14253	600	23	to	to	PART
cblr-14253	600	24	mean	mean	VERB
cblr-14253	600	25	“	"	PUNCT
cblr-14253	600	26	any	any	DET
cblr-14253	600	27	person	person	NOUN
cblr-14253	600	28	that	that	PRON
cblr-14253	600	29	provides	provide	VERB
cblr-14253	600	30	a	a	DET
cblr-14253	600	31	material	material	NOUN
cblr-14253	600	32	service	service	NOUN
cblr-14253	600	33	to	to	ADP
cblr-14253	600	34	a	a	DET
cblr-14253	600	35	covered	covered	ADJ
cblr-14253	600	36	person	person	NOUN
cblr-14253	600	37	.	.	PUNCT
cblr-14253	601	1	”113	”113	PUNCT
cblr-14253	602	1	allowing	allow	VERB
cblr-14253	602	2	real	real	ADJ
cblr-14253	602	3	-	-	PUNCT
cblr-14253	602	4	estate	estate	NOUN
cblr-14253	602	5	agents	agent	NOUN
cblr-14253	602	6	to	to	PART
cblr-14253	602	7	provide	provide	VERB
cblr-14253	602	8	financial	financial	ADJ
cblr-14253	602	9	services	service	NOUN
cblr-14253	602	10	through	through	ADP
cblr-14253	602	11	a	a	DET
cblr-14253	602	12	jointly	jointly	ADV
cblr-14253	602	13	owned	own	VERB
cblr-14253	602	14	business	business	NOUN
cblr-14253	602	15	without	without	ADP
cblr-14253	602	16	incurring	incur	VERB
cblr-14253	602	17	the	the	DET
cblr-14253	602	18	legal	legal	ADJ
cblr-14253	602	19	responsibilities	responsibility	NOUN
cblr-14253	602	20	associated	associate	VERB
cblr-14253	602	21	with	with	ADP
cblr-14253	602	22	that	that	DET
cblr-14253	602	23	activity	activity	NOUN
cblr-14253	602	24	would	would	AUX
cblr-14253	602	25	be	be	AUX
cblr-14253	602	26	inconsistent	inconsistent	ADJ
cblr-14253	602	27	with	with	ADP
cblr-14253	602	28	the	the	DET
cblr-14253	602	29	cfpa	cfpa	NOUN
cblr-14253	602	30	’s	’s	PART
cblr-14253	602	31	goal	goal	NOUN
cblr-14253	602	32	of	of	ADP
cblr-14253	602	33	reducing	reduce	VERB
cblr-14253	602	34	regulatory	regulatory	ADJ
cblr-14253	602	35	arbitrage.114	arbitrage.114	NOUN
cblr-14253	602	36	because	because	SCONJ
cblr-14253	602	37	the	the	DET
cblr-14253	602	38	cfpa	cfpa	NOUN
cblr-14253	602	39	’s	’s	PART
cblr-14253	602	40	prohibition	prohibition	NOUN
cblr-14253	602	41	on	on	ADP
cblr-14253	602	42	abusive	abusive	ADJ
cblr-14253	602	43	conduct	conduct	NOUN
cblr-14253	602	44	applies	apply	VERB
cblr-14253	602	45	to	to	ADP
cblr-14253	602	46	“	"	PUNCT
cblr-14253	602	47	covered	covered	ADJ
cblr-14253	602	48	persons	person	NOUN
cblr-14253	602	49	”	"	PUNCT
cblr-14253	602	50	and	and	CCONJ
cblr-14253	602	51	“	"	PUNCT
cblr-14253	602	52	service	service	NOUN
cblr-14253	602	53	providers,”115	providers,”115	NOUN
cblr-14253	602	54	real	real	ADJ
cblr-14253	602	55	-	-	PUNCT
cblr-14253	602	56	estate	estate	NOUN
cblr-14253	602	57	agents	agent	NOUN
cblr-14253	602	58	who	who	PRON
cblr-14253	602	59	participate	participate	VERB
cblr-14253	602	60	in	in	ADP
cblr-14253	602	61	these	these	DET
cblr-14253	602	62	joint	joint	ADJ
cblr-14253	602	63	ventures	venture	NOUN
cblr-14253	602	64	must	must	AUX
cblr-14253	602	65	abide	abide	VERB
cblr-14253	602	66	by	by	ADP
cblr-14253	602	67	it	it	PRON
cblr-14253	602	68	.	.	PUNCT
cblr-14253	603	1	b.	b.	PROPN
cblr-14253	603	2	real	real	ADJ
cblr-14253	603	3	-	-	PUNCT
cblr-14253	603	4	estate	estate	NOUN
cblr-14253	603	5	agent	agent	NOUN
cblr-14253	603	6	liability	liability	NOUN
cblr-14253	603	7	for	for	ADP
cblr-14253	603	8	abusive	abusive	ADJ
cblr-14253	603	9	self	self	NOUN
cblr-14253	603	10	-	-	PUNCT
cblr-14253	603	11	dealing	dealing	NOUN
cblr-14253	603	12	under	under	ADP
cblr-14253	603	13	the	the	DET
cblr-14253	603	14	cfpa	cfpa	NOUN
cblr-14253	603	15	the	the	DET
cblr-14253	603	16	cfpa	cfpa	NOUN
cblr-14253	603	17	defines	define	VERB
cblr-14253	603	18	abusiveness	abusiveness	VERB
cblr-14253	603	19	to	to	PART
cblr-14253	603	20	include	include	VERB
cblr-14253	603	21	taking	take	VERB
cblr-14253	603	22	“	"	PUNCT
cblr-14253	603	23	unreasonable	unreasonable	ADJ
cblr-14253	603	24	advantage	advantage	NOUN
cblr-14253	603	25	”	"	PUNCT
cblr-14253	603	26	of	of	ADP
cblr-14253	603	27	“	"	PUNCT
cblr-14253	603	28	the	the	DET
cblr-14253	603	29	reasonable	reasonable	ADJ
cblr-14253	603	30	reliance	reliance	NOUN
cblr-14253	603	31	by	by	ADP
cblr-14253	603	32	the	the	DET
cblr-14253	603	33	consumer	consumer	NOUN
cblr-14253	603	34	on	on	ADP
cblr-14253	603	35	a	a	DET
cblr-14253	603	36	covered	covered	ADJ
cblr-14253	603	37	person	person	NOUN
cblr-14253	603	38	to	to	PART
cblr-14253	603	39	act	act	VERB
cblr-14253	603	40	in	in	ADP
cblr-14253	603	41	the	the	DET
cblr-14253	603	42	interests	interest	NOUN
cblr-14253	603	43	of	of	ADP
cblr-14253	603	44	the	the	DET
cblr-14253	603	45	110	110	NUM
cblr-14253	603	46	see	see	NOUN
cblr-14253	603	47	12	12	NUM
cblr-14253	603	48	u.s.c	u.s.c	ADJ
cblr-14253	603	49	.	.	PUNCT
cblr-14253	604	1	§	§	PROPN
cblr-14253	604	2	5481(25)(c)(ii	5481(25)(c)(ii	NUM
cblr-14253	604	3	)	)	PUNCT
cblr-14253	604	4	.	.	PUNCT
cblr-14253	605	1	111	111	NUM
cblr-14253	605	2	see	see	VERB
cblr-14253	605	3	12	12	NUM
cblr-14253	605	4	u.s.c	u.s.c	ADJ
cblr-14253	605	5	.	.	PUNCT
cblr-14253	606	1	§	§	PROPN
cblr-14253	606	2	5481(25)(b	5481(25)(b	NUM
cblr-14253	606	3	)	)	PUNCT
cblr-14253	606	4	.	.	PUNCT
cblr-14253	607	1	112	112	NUM
cblr-14253	607	2	consumer	consumer	NOUN
cblr-14253	607	3	fin	fin	NOUN
cblr-14253	607	4	.	.	PUNCT
cblr-14253	607	5	prot	prot	PROPN
cblr-14253	607	6	.	.	PUNCT
cblr-14253	608	1	bureau	bureau	PROPN
cblr-14253	608	2	v.	v.	PROPN
cblr-14253	608	3	d	d	PROPN
cblr-14253	608	4	&	&	CCONJ
cblr-14253	608	5	d	d	PROPN
cblr-14253	608	6	mktg	mktg	PROPN
cblr-14253	608	7	.	.	PUNCT
cblr-14253	608	8	,	,	PUNCT
cblr-14253	608	9	no	no	INTJ
cblr-14253	608	10	.	.	PUNCT
cblr-14253	609	1	cv	cv	PROPN
cblr-14253	609	2	15–9692	15–9692	NUM
cblr-14253	609	3	psg	psg	PROPN
cblr-14253	609	4	(	(	PUNCT
cblr-14253	609	5	ex	ex	NOUN
cblr-14253	609	6	)	)	PUNCT
cblr-14253	609	7	,	,	PUNCT
cblr-14253	609	8	2016	2016	NUM
cblr-14253	609	9	wl	wl	NOUN
cblr-14253	609	10	8849698	8849698	NUM
cblr-14253	609	11	(	(	PUNCT
cblr-14253	609	12	c.d	c.d	PROPN
cblr-14253	609	13	.	.	PROPN
cblr-14253	609	14	cal	cal	PROPN
cblr-14253	609	15	.	.	PUNCT
cblr-14253	610	1	nov	nov	PROPN
cblr-14253	610	2	.	.	PROPN
cblr-14253	610	3	17	17	NUM
cblr-14253	610	4	,	,	PUNCT
cblr-14253	610	5	2016	2016	NUM
cblr-14253	610	6	)	)	PUNCT
cblr-14253	610	7	(	(	PUNCT
cblr-14253	610	8	holding	hold	VERB
cblr-14253	610	9	that	that	SCONJ
cblr-14253	610	10	a	a	DET
cblr-14253	610	11	company	company	NOUN
cblr-14253	610	12	that	that	PRON
cblr-14253	610	13	provided	provide	VERB
cblr-14253	610	14	leads	lead	NOUN
cblr-14253	610	15	to	to	ADP
cblr-14253	610	16	lenders	lender	NOUN
cblr-14253	610	17	could	could	AUX
cblr-14253	610	18	be	be	AUX
cblr-14253	610	19	a	a	DET
cblr-14253	610	20	“	"	PUNCT
cblr-14253	610	21	service	service	NOUN
cblr-14253	610	22	provider	provider	NOUN
cblr-14253	610	23	”	"	PUNCT
cblr-14253	610	24	)	)	PUNCT
cblr-14253	610	25	.	.	PUNCT
cblr-14253	611	1	113	113	NUM
cblr-14253	611	2	see	see	VERB
cblr-14253	611	3	12	12	NUM
cblr-14253	611	4	u.s.c	u.s.c	ADJ
cblr-14253	611	5	.	.	PUNCT
cblr-14253	612	1	§	§	PROPN
cblr-14253	612	2	5481(26	5481(26	NUM
cblr-14253	612	3	)	)	PUNCT
cblr-14253	612	4	.	.	PUNCT
cblr-14253	613	1	114	114	NUM
cblr-14253	613	2	see	see	VERB
cblr-14253	613	3	12	12	NUM
cblr-14253	613	4	u.s.c	u.s.c	ADJ
cblr-14253	613	5	.	.	PUNCT
cblr-14253	614	1	§	§	PROPN
cblr-14253	614	2	5511(a	5511(a	PROPN
cblr-14253	614	3	)	)	PUNCT
cblr-14253	615	1	(	(	PUNCT
cblr-14253	615	2	directing	direct	VERB
cblr-14253	615	3	the	the	DET
cblr-14253	615	4	cfpb	cfpb	NOUN
cblr-14253	615	5	to	to	PART
cblr-14253	615	6	“	"	PUNCT
cblr-14253	615	7	implement	implement	VERB
cblr-14253	615	8	and	and	CCONJ
cblr-14253	615	9	.	.	PUNCT
cblr-14253	615	10	.	.	PUNCT
cblr-14253	615	11	.	.	PUNCT
cblr-14253	616	1	enforce	enforce	VERB
cblr-14253	616	2	federal	federal	ADJ
cblr-14253	616	3	consumer	consumer	NOUN
cblr-14253	616	4	financial	financial	ADJ
cblr-14253	616	5	law	law	NOUN
cblr-14253	616	6	consistently	consistently	ADV
cblr-14253	616	7	for	for	ADP
cblr-14253	616	8	the	the	DET
cblr-14253	616	9	purpose	purpose	NOUN
cblr-14253	616	10	of	of	ADP
cblr-14253	616	11	ensuring	ensure	VERB
cblr-14253	616	12	that	that	SCONJ
cblr-14253	616	13	all	all	DET
cblr-14253	616	14	consumers	consumer	NOUN
cblr-14253	616	15	have	have	VERB
cblr-14253	616	16	access	access	NOUN
cblr-14253	616	17	to	to	ADP
cblr-14253	616	18	markets	market	NOUN
cblr-14253	616	19	for	for	ADP
cblr-14253	616	20	consumer	consumer	NOUN
cblr-14253	616	21	financial	financial	ADJ
cblr-14253	616	22	products	product	NOUN
cblr-14253	616	23	and	and	CCONJ
cblr-14253	616	24	services	service	NOUN
cblr-14253	616	25	and	and	CCONJ
cblr-14253	616	26	that	that	SCONJ
cblr-14253	616	27	markets	market	NOUN
cblr-14253	616	28	for	for	ADP
cblr-14253	616	29	consumer	consumer	NOUN
cblr-14253	616	30	financial	financial	ADJ
cblr-14253	616	31	products	product	NOUN
cblr-14253	616	32	and	and	CCONJ
cblr-14253	616	33	services	service	NOUN
cblr-14253	616	34	are	be	AUX
cblr-14253	616	35	fair	fair	ADJ
cblr-14253	616	36	,	,	PUNCT
cblr-14253	616	37	transparent	transparent	ADJ
cblr-14253	616	38	,	,	PUNCT
cblr-14253	616	39	and	and	CCONJ
cblr-14253	616	40	competitive	competitive	ADJ
cblr-14253	616	41	”	"	PUNCT
cblr-14253	616	42	)	)	PUNCT
cblr-14253	616	43	;	;	PUNCT
cblr-14253	616	44	see	see	VERB
cblr-14253	616	45	also	also	ADV
cblr-14253	616	46	patricia	patricia	PROPN
cblr-14253	616	47	mccoy	mccoy	PROPN
cblr-14253	616	48	,	,	PUNCT
cblr-14253	616	49	inside	inside	ADP
cblr-14253	616	50	job	job	NOUN
cblr-14253	616	51	:	:	PUNCT
cblr-14253	616	52	the	the	DET
cblr-14253	616	53	assault	assault	NOUN
cblr-14253	616	54	on	on	ADP
cblr-14253	616	55	the	the	DET
cblr-14253	616	56	structure	structure	NOUN
cblr-14253	616	57	of	of	ADP
cblr-14253	616	58	the	the	DET
cblr-14253	616	59	consumer	consumer	NOUN
cblr-14253	616	60	financial	financial	PROPN
cblr-14253	616	61	protection	protection	PROPN
cblr-14253	616	62	bureau	bureau	PROPN
cblr-14253	616	63	,	,	PUNCT
cblr-14253	616	64	103	103	NUM
cblr-14253	616	65	minn	minn	NOUN
cblr-14253	616	66	.	.	PUNCT
cblr-14253	617	1	l.	l.	PROPN
cblr-14253	617	2	rev	rev	PROPN
cblr-14253	617	3	.	.	PROPN
cblr-14253	617	4	2543	2543	NUM
cblr-14253	617	5	,	,	PUNCT
cblr-14253	617	6	2551–58	2551–58	NUM
cblr-14253	617	7	(	(	PUNCT
cblr-14253	617	8	describing	describe	VERB
cblr-14253	617	9	the	the	DET
cblr-14253	617	10	doddfrank	doddfrank	PROPN
cblr-14253	617	11	act	act	PROPN
cblr-14253	617	12	’s	’s	PART
cblr-14253	617	13	regulatory	regulatory	ADJ
cblr-14253	617	14	architecture	architecture	NOUN
cblr-14253	617	15	as	as	ADP
cblr-14253	617	16	a	a	DET
cblr-14253	617	17	legislative	legislative	ADJ
cblr-14253	617	18	attempt	attempt	NOUN
cblr-14253	617	19	to	to	PART
cblr-14253	617	20	minimize	minimize	VERB
cblr-14253	617	21	future	future	ADJ
cblr-14253	617	22	harmful	harmful	ADJ
cblr-14253	617	23	regulatory	regulatory	ADJ
cblr-14253	617	24	arbitrage	arbitrage	NOUN
cblr-14253	617	25	)	)	PUNCT
cblr-14253	617	26	.	.	PUNCT
cblr-14253	618	1	115	115	NUM
cblr-14253	618	2	12	12	NUM
cblr-14253	618	3	u.s.c	u.s.c	NOUN
cblr-14253	618	4	.	.	PUNCT
cblr-14253	619	1	§	§	PROPN
cblr-14253	619	2	5536(a)(1)(b	5536(a)(1)(b	NUM
cblr-14253	619	3	)	)	PUNCT
cblr-14253	619	4	.	.	PUNCT
cblr-14253	620	1	426	426	NUM
cblr-14253	620	2	columbia	columbia	PROPN
cblr-14253	620	3	business	business	PROPN
cblr-14253	620	4	law	law	PROPN
cblr-14253	620	5	review	review	NOUN
cblr-14253	620	6	[	[	X
cblr-14253	620	7	vol	vol	NOUN
cblr-14253	620	8	.	.	PUNCT
cblr-14253	620	9	2025	2025	NUM
cblr-14253	620	10	consumer	consumer	NOUN
cblr-14253	620	11	.	.	PUNCT
cblr-14253	621	1	”116	”116	PART
cblr-14253	621	2	real	real	ADJ
cblr-14253	621	3	-	-	PUNCT
cblr-14253	621	4	estate	estate	NOUN
cblr-14253	621	5	agents	agent	NOUN
cblr-14253	621	6	with	with	ADP
cblr-14253	621	7	settlement	settlement	NOUN
cblr-14253	621	8	joint	joint	ADJ
cblr-14253	621	9	ventures	venture	NOUN
cblr-14253	621	10	expose	expose	VERB
cblr-14253	621	11	themselves	themselves	PRON
cblr-14253	621	12	to	to	ADP
cblr-14253	621	13	at	at	ADV
cblr-14253	621	14	least	least	ADV
cblr-14253	621	15	two	two	NUM
cblr-14253	621	16	potential	potential	ADJ
cblr-14253	621	17	forms	form	NOUN
cblr-14253	621	18	of	of	ADP
cblr-14253	621	19	liability	liability	NOUN
cblr-14253	621	20	for	for	ADP
cblr-14253	621	21	abusive	abusive	ADJ
cblr-14253	621	22	conduct	conduct	NOUN
cblr-14253	621	23	.	.	PUNCT
cblr-14253	622	1	first	first	ADV
cblr-14253	622	2	,	,	PUNCT
cblr-14253	622	3	they	they	PRON
cblr-14253	622	4	may	may	AUX
cblr-14253	622	5	be	be	AUX
cblr-14253	622	6	engaging	engage	VERB
cblr-14253	622	7	in	in	ADP
cblr-14253	622	8	abusive	abusive	ADJ
cblr-14253	622	9	conduct	conduct	NOUN
cblr-14253	622	10	when	when	SCONJ
cblr-14253	622	11	they	they	PRON
cblr-14253	622	12	steer	steer	VERB
cblr-14253	622	13	their	their	PRON
cblr-14253	622	14	customers	customer	NOUN
cblr-14253	622	15	to	to	ADP
cblr-14253	622	16	their	their	PRON
cblr-14253	622	17	own	own	ADJ
cblr-14253	622	18	settlement	settlement	NOUN
cblr-14253	622	19	joint	joint	ADJ
cblr-14253	622	20	ventures	venture	NOUN
cblr-14253	622	21	.	.	PUNCT
cblr-14253	623	1	second	second	ADJ
cblr-14253	623	2	,	,	PUNCT
cblr-14253	623	3	when	when	SCONJ
cblr-14253	623	4	real	real	ADJ
cblr-14253	623	5	-	-	PUNCT
cblr-14253	623	6	estate	estate	NOUN
cblr-14253	623	7	agents	agent	NOUN
cblr-14253	623	8	jointly	jointly	ADV
cblr-14253	623	9	own	own	VERB
cblr-14253	623	10	a	a	DET
cblr-14253	623	11	closing	closing	NOUN
cblr-14253	623	12	-	-	PUNCT
cblr-14253	623	13	agent	agent	NOUN
cblr-14253	623	14	joint	joint	ADJ
cblr-14253	623	15	venture	venture	NOUN
cblr-14253	623	16	,	,	PUNCT
cblr-14253	623	17	they	they	PRON
cblr-14253	623	18	risk	risk	VERB
cblr-14253	623	19	liability	liability	NOUN
cblr-14253	623	20	for	for	ADP
cblr-14253	623	21	breaching	breach	VERB
cblr-14253	623	22	a	a	DET
cblr-14253	623	23	duty	duty	NOUN
cblr-14253	623	24	of	of	ADP
cblr-14253	623	25	impartiality	impartiality	NOUN
cblr-14253	623	26	.	.	PUNCT
cblr-14253	624	1	1	1	X
cblr-14253	624	2	.	.	X
cblr-14253	624	3	abusive	abusive	ADJ
cblr-14253	624	4	steering	steering	NOUN
cblr-14253	624	5	in	in	ADP
cblr-14253	624	6	its	its	PRON
cblr-14253	624	7	recent	recent	ADJ
cblr-14253	624	8	policy	policy	NOUN
cblr-14253	624	9	statement	statement	NOUN
cblr-14253	624	10	on	on	ADP
cblr-14253	624	11	abusive	abusive	ADJ
cblr-14253	624	12	conduct	conduct	NOUN
cblr-14253	624	13	,	,	PUNCT
cblr-14253	624	14	the	the	DET
cblr-14253	624	15	bureau	bureau	NOUN
cblr-14253	624	16	explained	explain	VERB
cblr-14253	624	17	that	that	SCONJ
cblr-14253	624	18	:	:	PUNCT
cblr-14253	624	19	[	[	X
cblr-14253	624	20	s]ometimes	s]ometimes	ADP
cblr-14253	624	21	people	people	NOUN
cblr-14253	624	22	are	be	AUX
cblr-14253	624	23	in	in	ADP
cblr-14253	624	24	a	a	DET
cblr-14253	624	25	position	position	NOUN
cblr-14253	624	26	in	in	ADP
cblr-14253	624	27	which	which	PRON
cblr-14253	624	28	they	they	PRON
cblr-14253	624	29	have	have	VERB
cblr-14253	624	30	a	a	DET
cblr-14253	624	31	reasonable	reasonable	ADJ
cblr-14253	624	32	expectation	expectation	NOUN
cblr-14253	624	33	that	that	SCONJ
cblr-14253	624	34	an	an	DET
cblr-14253	624	35	entity	entity	NOUN
cblr-14253	624	36	will	will	AUX
cblr-14253	624	37	act	act	VERB
cblr-14253	624	38	in	in	ADP
cblr-14253	624	39	their	their	PRON
cblr-14253	624	40	interest	interest	NOUN
cblr-14253	624	41	to	to	PART
cblr-14253	624	42	make	make	VERB
cblr-14253	624	43	decisions	decision	NOUN
cblr-14253	624	44	for	for	ADP
cblr-14253	624	45	them	they	PRON
cblr-14253	624	46	,	,	PUNCT
cblr-14253	624	47	or	or	CCONJ
cblr-14253	624	48	to	to	PART
cblr-14253	624	49	advise	advise	VERB
cblr-14253	624	50	them	they	PRON
cblr-14253	624	51	on	on	ADP
cblr-14253	624	52	how	how	SCONJ
cblr-14253	624	53	to	to	PART
cblr-14253	624	54	make	make	VERB
cblr-14253	624	55	a	a	DET
cblr-14253	624	56	decision	decision	NOUN
cblr-14253	624	57	.	.	PUNCT
cblr-14253	625	1	where	where	SCONJ
cblr-14253	625	2	people	people	NOUN
cblr-14253	625	3	reasonably	reasonably	ADV
cblr-14253	625	4	expect	expect	VERB
cblr-14253	625	5	that	that	SCONJ
cblr-14253	625	6	a	a	DET
cblr-14253	625	7	covered	covered	ADJ
cblr-14253	625	8	entity	entity	NOUN
cblr-14253	625	9	will	will	AUX
cblr-14253	625	10	make	make	VERB
cblr-14253	625	11	decisions	decision	NOUN
cblr-14253	625	12	or	or	CCONJ
cblr-14253	625	13	provide	provide	VERB
cblr-14253	625	14	advice	advice	NOUN
cblr-14253	625	15	in	in	ADP
cblr-14253	625	16	the	the	DET
cblr-14253	625	17	person	person	NOUN
cblr-14253	625	18	’s	’s	PART
cblr-14253	625	19	interest	interest	NOUN
cblr-14253	625	20	,	,	PUNCT
cblr-14253	625	21	there	there	PRON
cblr-14253	625	22	is	be	VERB
cblr-14253	625	23	potential	potential	ADJ
cblr-14253	625	24	for	for	ADP
cblr-14253	625	25	betrayal	betrayal	NOUN
cblr-14253	625	26	or	or	CCONJ
cblr-14253	625	27	exploitation	exploitation	NOUN
cblr-14253	625	28	of	of	ADP
cblr-14253	625	29	the	the	DET
cblr-14253	625	30	person	person	NOUN
cblr-14253	625	31	’s	’s	PART
cblr-14253	625	32	trust	trust	NOUN
cblr-14253	625	33	.	.	PUNCT
cblr-14253	626	1	therefore	therefore	ADV
cblr-14253	626	2	,	,	PUNCT
cblr-14253	626	3	congress	congress	PROPN
cblr-14253	626	4	prohibited	prohibit	VERB
cblr-14253	626	5	taking	take	VERB
cblr-14253	626	6	unreasonable	unreasonable	ADJ
cblr-14253	626	7	advantage	advantage	NOUN
cblr-14253	626	8	of	of	ADP
cblr-14253	626	9	reasonable	reasonable	ADJ
cblr-14253	626	10	consumer	consumer	NOUN
cblr-14253	626	11	reliance.117	reliance.117	VERB
cblr-14253	626	12	the	the	DET
cblr-14253	626	13	policy	policy	NOUN
cblr-14253	626	14	statement	statement	NOUN
cblr-14253	626	15	went	go	VERB
cblr-14253	626	16	on	on	ADP
cblr-14253	626	17	to	to	PART
cblr-14253	626	18	identify	identify	VERB
cblr-14253	626	19	two	two	NUM
cblr-14253	626	20	ways	way	NOUN
cblr-14253	626	21	that	that	PRON
cblr-14253	626	22	a	a	DET
cblr-14253	626	23	government	government	NOUN
cblr-14253	626	24	enforcer	enforcer	NOUN
cblr-14253	626	25	might	might	AUX
cblr-14253	626	26	establish	establish	VERB
cblr-14253	626	27	reasonable	reasonable	ADJ
cblr-14253	626	28	reliance	reliance	NOUN
cblr-14253	626	29	.	.	PUNCT
cblr-14253	627	1	“	"	PUNCT
cblr-14253	627	2	first	first	ADJ
cblr-14253	627	3	,	,	PUNCT
cblr-14253	627	4	reasonable	reasonable	ADJ
cblr-14253	627	5	reliance	reliance	NOUN
cblr-14253	627	6	may	may	AUX
cblr-14253	627	7	exist	exist	VERB
cblr-14253	627	8	where	where	SCONJ
cblr-14253	627	9	an	an	DET
cblr-14253	627	10	entity	entity	NOUN
cblr-14253	627	11	communicates	communicate	VERB
cblr-14253	627	12	to	to	ADP
cblr-14253	627	13	a	a	DET
cblr-14253	627	14	person	person	NOUN
cblr-14253	627	15	or	or	CCONJ
cblr-14253	627	16	the	the	DET
cblr-14253	627	17	public	public	NOUN
cblr-14253	627	18	that	that	SCONJ
cblr-14253	627	19	it	it	PRON
cblr-14253	627	20	will	will	AUX
cblr-14253	627	21	act	act	VERB
cblr-14253	627	22	in	in	ADP
cblr-14253	627	23	its	its	PRON
cblr-14253	627	24	customers	customer	NOUN
cblr-14253	627	25	’	’	PART
cblr-14253	627	26	best	good	ADJ
cblr-14253	627	27	interest	interest	NOUN
cblr-14253	627	28	,	,	PUNCT
cblr-14253	627	29	or	or	CCONJ
cblr-14253	627	30	otherwise	otherwise	ADV
cblr-14253	627	31	holds	hold	VERB
cblr-14253	627	32	itself	itself	PRON
cblr-14253	627	33	out	out	ADP
cblr-14253	627	34	as	as	ADP
cblr-14253	627	35	acting	act	VERB
cblr-14253	627	36	in	in	ADP
cblr-14253	627	37	the	the	DET
cblr-14253	627	38	person	person	NOUN
cblr-14253	627	39	’s	’s	PART
cblr-14253	627	40	best	good	ADJ
cblr-14253	627	41	interest	interest	NOUN
cblr-14253	627	42	.	.	PUNCT
cblr-14253	628	1	”118	”118	PUNCT
cblr-14253	629	1	and	and	CCONJ
cblr-14253	629	2	,	,	PUNCT
cblr-14253	629	3	“	"	PUNCT
cblr-14253	629	4	[	[	X
cblr-14253	629	5	s]econd	s]econd	X
cblr-14253	629	6	,	,	PUNCT
cblr-14253	629	7	reasonable	reasonable	ADJ
cblr-14253	629	8	reliance	reliance	NOUN
cblr-14253	629	9	may	may	AUX
cblr-14253	629	10	.	.	PUNCT
cblr-14253	629	11	.	.	PUNCT
cblr-14253	629	12	.	.	PUNCT
cblr-14253	630	1	exist	exist	VERB
cblr-14253	630	2	where	where	SCONJ
cblr-14253	630	3	an	an	DET
cblr-14253	630	4	entity	entity	NOUN
cblr-14253	630	5	assumes	assume	VERB
cblr-14253	630	6	the	the	DET
cblr-14253	630	7	role	role	NOUN
cblr-14253	630	8	of	of	ADP
cblr-14253	630	9	acting	act	VERB
cblr-14253	630	10	on	on	ADP
cblr-14253	630	11	behalf	behalf	NOUN
cblr-14253	630	12	of	of	ADP
cblr-14253	630	13	consumers	consumer	NOUN
cblr-14253	630	14	or	or	CCONJ
cblr-14253	630	15	helping	help	VERB
cblr-14253	630	16	them	they	PRON
cblr-14253	630	17	to	to	PART
cblr-14253	630	18	select	select	VERB
cblr-14253	630	19	providers	provider	NOUN
cblr-14253	630	20	in	in	ADP
cblr-14253	630	21	the	the	DET
cblr-14253	630	22	market	market	NOUN
cblr-14253	630	23	.	.	PUNCT
cblr-14253	631	1	”119	”119	PROPN
cblr-14253	631	2	real	real	ADJ
cblr-14253	631	3	-	-	PUNCT
cblr-14253	631	4	estate	estate	NOUN
cblr-14253	631	5	buyers	buyer	NOUN
cblr-14253	631	6	often	often	ADV
cblr-14253	631	7	rely	rely	VERB
cblr-14253	631	8	on	on	ADP
cblr-14253	631	9	their	their	PRON
cblr-14253	631	10	agents	agent	NOUN
cblr-14253	631	11	for	for	ADP
cblr-14253	631	12	help	help	NOUN
cblr-14253	631	13	with	with	ADP
cblr-14253	631	14	selecting	select	VERB
cblr-14253	631	15	“	"	PUNCT
cblr-14253	631	16	providers	provider	NOUN
cblr-14253	631	17	in	in	ADP
cblr-14253	631	18	the	the	DET
cblr-14253	631	19	market	market	NOUN
cblr-14253	631	20	.	.	PUNCT
cblr-14253	631	21	”	"	PUNCT
cblr-14253	632	1	because	because	SCONJ
cblr-14253	632	2	buying	buy	VERB
cblr-14253	632	3	a	a	DET
cblr-14253	632	4	home	home	NOUN
cblr-14253	632	5	can	can	AUX
cblr-14253	632	6	involve	involve	VERB
cblr-14253	632	7	“	"	PUNCT
cblr-14253	632	8	five	five	NUM
cblr-14253	632	9	to	to	PART
cblr-14253	632	10	18	18	NUM
cblr-14253	632	11	different	different	ADJ
cblr-14253	632	12	vendors	vendor	NOUN
cblr-14253	632	13	,	,	PUNCT
cblr-14253	632	14	”	"	PUNCT
cblr-14253	632	15	consumers	consumer	NOUN
cblr-14253	632	16	116	116	NUM
cblr-14253	632	17	see	see	VERB
cblr-14253	632	18	12	12	NUM
cblr-14253	632	19	u.s.c	u.s.c	ADJ
cblr-14253	632	20	.	.	PUNCT
cblr-14253	633	1	§	§	PROPN
cblr-14253	633	2	5531(d)(2	5531(d)(2	NUM
cblr-14253	633	3	)	)	PUNCT
cblr-14253	633	4	.	.	PUNCT
cblr-14253	634	1	117	117	NUM
cblr-14253	634	2	cfpb	cfpb	NOUN
cblr-14253	634	3	policy	policy	NOUN
cblr-14253	634	4	statement	statement	NOUN
cblr-14253	634	5	,	,	PUNCT
cblr-14253	634	6	supra	supra	PROPN
cblr-14253	634	7	note	note	PROPN
cblr-14253	634	8	104	104	NUM
cblr-14253	634	9	,	,	PUNCT
cblr-14253	634	10	at	at	ADP
cblr-14253	634	11	21889	21889	NUM
cblr-14253	634	12	.	.	PUNCT
cblr-14253	635	1	118	118	NUM
cblr-14253	636	1	i	i	NOUN
cblr-14253	636	2	d.	d.	PROPN
cblr-14253	636	3	119	119	NUM
cblr-14253	637	1	i	i	PRON
cblr-14253	637	2	d.	d.	PROPN
cblr-14253	637	3	no	no	INTJ
cblr-14253	637	4	.	.	NOUN
cblr-14253	638	1	1	1	NUM
cblr-14253	638	2	]	]	PUNCT
cblr-14253	638	3	corrupt	corrupt	ADJ
cblr-14253	638	4	joint	joint	ADJ
cblr-14253	638	5	ventures	venture	NOUN
cblr-14253	638	6	427	427	NUM
cblr-14253	638	7	understandably	understandably	ADV
cblr-14253	638	8	may	may	AUX
cblr-14253	638	9	rely	rely	VERB
cblr-14253	638	10	on	on	ADP
cblr-14253	638	11	their	their	PRON
cblr-14253	638	12	real	real	ADJ
cblr-14253	638	13	-	-	PUNCT
cblr-14253	638	14	estate	estate	NOUN
cblr-14253	638	15	agent	agent	NOUN
cblr-14253	638	16	to	to	PART
cblr-14253	638	17	help	help	VERB
cblr-14253	638	18	identify	identify	VERB
cblr-14253	638	19	who	who	PRON
cblr-14253	638	20	to	to	PART
cblr-14253	638	21	work	work	VERB
cblr-14253	638	22	with.120	with.120	NOUN
cblr-14253	638	23	a	a	DET
cblr-14253	638	24	buyer	buyer	NOUN
cblr-14253	638	25	might	might	AUX
cblr-14253	638	26	ask	ask	VERB
cblr-14253	638	27	their	their	PRON
cblr-14253	638	28	agent	agent	NOUN
cblr-14253	638	29	to	to	PART
cblr-14253	638	30	recommend	recommend	VERB
cblr-14253	638	31	a	a	DET
cblr-14253	638	32	mortgage	mortgage	NOUN
cblr-14253	638	33	or	or	CCONJ
cblr-14253	638	34	title	title	NOUN
cblr-14253	638	35	company	company	NOUN
cblr-14253	638	36	,	,	PUNCT
cblr-14253	638	37	for	for	ADP
cblr-14253	638	38	example	example	NOUN
cblr-14253	638	39	.	.	PUNCT
cblr-14253	639	1	“	"	PUNCT
cblr-14253	639	2	in	in	ADP
cblr-14253	639	3	these	these	DET
cblr-14253	639	4	situations	situation	NOUN
cblr-14253	639	5	,	,	PUNCT
cblr-14253	639	6	”	"	PUNCT
cblr-14253	639	7	the	the	DET
cblr-14253	639	8	bureau	bureau	NOUN
cblr-14253	639	9	noted	note	VERB
cblr-14253	639	10	,	,	PUNCT
cblr-14253	639	11	“	"	PUNCT
cblr-14253	639	12	the	the	DET
cblr-14253	639	13	entity	entity	NOUN
cblr-14253	639	14	[	[	X
cblr-14253	639	15	here	here	ADV
cblr-14253	639	16	,	,	PUNCT
cblr-14253	639	17	the	the	DET
cblr-14253	639	18	realestate	realestate	NOUN
cblr-14253	639	19	agent	agent	NOUN
cblr-14253	639	20	]	]	PUNCT
cblr-14253	639	21	,	,	PUNCT
cblr-14253	639	22	acting	act	VERB
cblr-14253	639	23	as	as	ADP
cblr-14253	639	24	an	an	DET
cblr-14253	639	25	intermediary	intermediary	NOUN
cblr-14253	639	26	,	,	PUNCT
cblr-14253	639	27	can	can	AUX
cblr-14253	639	28	function	function	VERB
cblr-14253	639	29	as	as	ADP
cblr-14253	639	30	a	a	DET
cblr-14253	639	31	broker	broker	NOUN
cblr-14253	639	32	or	or	CCONJ
cblr-14253	639	33	other	other	ADJ
cblr-14253	639	34	trusted	trust	VERB
cblr-14253	639	35	source	source	NOUN
cblr-14253	639	36	that	that	SCONJ
cblr-14253	639	37	the	the	DET
cblr-14253	639	38	person	person	NOUN
cblr-14253	639	39	uses	use	VERB
cblr-14253	639	40	in	in	ADP
cblr-14253	639	41	selecting	selecting	NOUN
cblr-14253	639	42	,	,	PUNCT
cblr-14253	639	43	negotiating	negotiate	VERB
cblr-14253	639	44	for	for	ADP
cblr-14253	639	45	,	,	PUNCT
cblr-14253	639	46	or	or	CCONJ
cblr-14253	639	47	otherwise	otherwise	ADV
cblr-14253	639	48	facilitating	facilitate	VERB
cblr-14253	639	49	the	the	DET
cblr-14253	639	50	procurement	procurement	NOUN
cblr-14253	639	51	of	of	ADP
cblr-14253	639	52	consumer	consumer	NOUN
cblr-14253	639	53	financial	financial	ADJ
cblr-14253	639	54	products	product	NOUN
cblr-14253	639	55	or	or	CCONJ
cblr-14253	639	56	services	service	NOUN
cblr-14253	639	57	provided	provide	VERB
cblr-14253	639	58	by	by	ADP
cblr-14253	639	59	third	third	ADJ
cblr-14253	639	60	parties	party	NOUN
cblr-14253	639	61	.	.	PUNCT
cblr-14253	640	1	”121	”121	ADJ
cblr-14253	640	2	in	in	ADP
cblr-14253	640	3	the	the	DET
cblr-14253	640	4	bureau	bureau	NOUN
cblr-14253	640	5	’s	’s	PART
cblr-14253	640	6	view	view	NOUN
cblr-14253	640	7	,	,	PUNCT
cblr-14253	640	8	“	"	PUNCT
cblr-14253	640	9	people	people	NOUN
cblr-14253	640	10	should	should	AUX
cblr-14253	640	11	be	be	AUX
cblr-14253	640	12	able	able	ADJ
cblr-14253	640	13	to	to	PART
cblr-14253	640	14	rely	rely	VERB
cblr-14253	640	15	on	on	ADP
cblr-14253	640	16	the	the	DET
cblr-14253	640	17	entity	entity	NOUN
cblr-14253	640	18	to	to	PART
cblr-14253	640	19	do	do	VERB
cblr-14253	640	20	so	so	ADV
cblr-14253	640	21	in	in	ADP
cblr-14253	640	22	a	a	DET
cblr-14253	640	23	manner	manner	NOUN
cblr-14253	640	24	that	that	PRON
cblr-14253	640	25	is	be	AUX
cblr-14253	640	26	free	free	ADJ
cblr-14253	640	27	of	of	ADP
cblr-14253	640	28	manipulation	manipulation	NOUN
cblr-14253	640	29	,	,	PUNCT
cblr-14253	640	30	”	"	PUNCT
cblr-14253	640	31	and	and	CCONJ
cblr-14253	640	32	those	those	PRON
cblr-14253	640	33	“	"	PUNCT
cblr-14253	640	34	that	that	PRON
cblr-14253	640	35	engage	engage	VERB
cblr-14253	640	36	in	in	ADP
cblr-14253	640	37	certain	certain	ADJ
cblr-14253	640	38	forms	form	NOUN
cblr-14253	640	39	of	of	ADP
cblr-14253	640	40	steering	steering	NOUN
cblr-14253	640	41	or	or	CCONJ
cblr-14253	640	42	self	self	NOUN
cblr-14253	640	43	-	-	PUNCT
cblr-14253	640	44	dealing	dealing	NOUN
cblr-14253	640	45	may	may	AUX
cblr-14253	640	46	be	be	AUX
cblr-14253	640	47	taking	take	VERB
cblr-14253	640	48	unreasonable	unreasonable	ADJ
cblr-14253	640	49	advantage	advantage	NOUN
cblr-14253	640	50	of	of	ADP
cblr-14253	640	51	the	the	DET
cblr-14253	640	52	consumers	consumer	NOUN
cblr-14253	640	53	’	’	PART
cblr-14253	640	54	reasonable	reasonable	ADJ
cblr-14253	640	55	reliance	reliance	NOUN
cblr-14253	640	56	.	.	PUNCT
cblr-14253	641	1	”122	”122	X
cblr-14253	641	2	real	real	ADJ
cblr-14253	641	3	-	-	PUNCT
cblr-14253	641	4	estate	estate	NOUN
cblr-14253	641	5	agents	agent	NOUN
cblr-14253	641	6	who	who	PRON
cblr-14253	641	7	refer	refer	VERB
cblr-14253	641	8	their	their	PRON
cblr-14253	641	9	customers	customer	NOUN
cblr-14253	641	10	to	to	ADP
cblr-14253	641	11	the	the	DET
cblr-14253	641	12	agents	agent	NOUN
cblr-14253	641	13	’	'	PUNCT
cblr-14253	641	14	own	own	ADJ
cblr-14253	641	15	joint	joint	ADJ
cblr-14253	641	16	ventures	venture	NOUN
cblr-14253	641	17	risk	risk	NOUN
cblr-14253	641	18	violating	violate	VERB
cblr-14253	641	19	the	the	DET
cblr-14253	641	20	cfpa	cfpa	NOUN
cblr-14253	641	21	’s	’s	PART
cblr-14253	641	22	prohibition	prohibition	NOUN
cblr-14253	641	23	on	on	ADP
cblr-14253	641	24	abusive	abusive	ADJ
cblr-14253	641	25	conduct	conduct	NOUN
cblr-14253	641	26	.	.	PUNCT
cblr-14253	642	1	for	for	ADP
cblr-14253	642	2	example	example	NOUN
cblr-14253	642	3	,	,	PUNCT
cblr-14253	642	4	when	when	SCONJ
cblr-14253	642	5	an	an	DET
cblr-14253	642	6	agent	agent	NOUN
cblr-14253	642	7	refers	refer	VERB
cblr-14253	642	8	their	their	PRON
cblr-14253	642	9	real	real	ADJ
cblr-14253	642	10	-	-	PUNCT
cblr-14253	642	11	estate	estate	NOUN
cblr-14253	642	12	customer	customer	NOUN
cblr-14253	642	13	to	to	ADP
cblr-14253	642	14	a	a	DET
cblr-14253	642	15	mortgage	mortgage	NOUN
cblr-14253	642	16	broker	broker	NOUN
cblr-14253	642	17	,	,	PUNCT
cblr-14253	642	18	the	the	DET
cblr-14253	642	19	consumer	consumer	NOUN
cblr-14253	642	20	might	might	AUX
cblr-14253	642	21	reasonably	reasonably	ADV
cblr-14253	642	22	believe	believe	VERB
cblr-14253	642	23	that	that	SCONJ
cblr-14253	642	24	the	the	DET
cblr-14253	642	25	agent	agent	NOUN
cblr-14253	642	26	is	be	AUX
cblr-14253	642	27	acting	act	VERB
cblr-14253	642	28	in	in	ADP
cblr-14253	642	29	the	the	DET
cblr-14253	642	30	consumer	consumer	NOUN
cblr-14253	642	31	’s	’s	PART
cblr-14253	642	32	interest	interest	NOUN
cblr-14253	642	33	—	—	PUNCT
cblr-14253	642	34	namely	namely	ADV
cblr-14253	642	35	,	,	PUNCT
cblr-14253	642	36	referring	refer	VERB
cblr-14253	642	37	the	the	DET
cblr-14253	642	38	consumer	consumer	NOUN
cblr-14253	642	39	to	to	ADP
cblr-14253	642	40	someone	someone	PRON
cblr-14253	642	41	who	who	PRON
cblr-14253	642	42	will	will	AUX
cblr-14253	642	43	help	help	VERB
cblr-14253	642	44	the	the	DET
cblr-14253	642	45	consumer	consumer	NOUN
cblr-14253	642	46	get	get	VERB
cblr-14253	642	47	the	the	DET
cblr-14253	642	48	best	good	ADJ
cblr-14253	642	49	mortgage	mortgage	NOUN
cblr-14253	642	50	for	for	ADP
cblr-14253	642	51	the	the	DET
cblr-14253	642	52	consumer	consumer	NOUN
cblr-14253	642	53	—	—	PUNCT
cblr-14253	642	54	while	while	SCONJ
cblr-14253	642	55	the	the	DET
cblr-14253	642	56	agent	agent	NOUN
cblr-14253	642	57	might	might	AUX
cblr-14253	642	58	be	be	AUX
cblr-14253	642	59	acting	act	VERB
cblr-14253	642	60	in	in	ADP
cblr-14253	642	61	their	their	PRON
cblr-14253	642	62	own	own	ADJ
cblr-14253	642	63	interest	interest	NOUN
cblr-14253	642	64	by	by	ADP
cblr-14253	642	65	steering	steer	VERB
cblr-14253	642	66	the	the	DET
cblr-14253	642	67	consumer	consumer	NOUN
cblr-14253	642	68	to	to	ADP
cblr-14253	642	69	a	a	DET
cblr-14253	642	70	mortgage	mortgage	NOUN
cblr-14253	642	71	company	company	NOUN
cblr-14253	642	72	that	that	PRON
cblr-14253	642	73	the	the	DET
cblr-14253	642	74	agent	agent	NOUN
cblr-14253	642	75	partly	partly	ADV
cblr-14253	642	76	owns	own	VERB
cblr-14253	642	77	and	and	CCONJ
cblr-14253	642	78	from	from	ADP
cblr-14253	642	79	which	which	PRON
cblr-14253	642	80	the	the	DET
cblr-14253	642	81	agent	agent	NOUN
cblr-14253	642	82	would	would	AUX
cblr-14253	642	83	share	share	VERB
cblr-14253	642	84	in	in	ADP
cblr-14253	642	85	profits	profit	NOUN
cblr-14253	642	86	derived	derive	VERB
cblr-14253	642	87	from	from	ADP
cblr-14253	642	88	referred	refer	VERB
cblr-14253	642	89	consumers	consumer	NOUN
cblr-14253	642	90	.	.	PUNCT
cblr-14253	643	1	because	because	SCONJ
cblr-14253	643	2	the	the	DET
cblr-14253	643	3	parties	party	NOUN
cblr-14253	643	4	to	to	ADP
cblr-14253	643	5	the	the	DET
cblr-14253	643	6	joint	joint	ADJ
cblr-14253	643	7	venture	venture	NOUN
cblr-14253	643	8	are	be	AUX
cblr-14253	643	9	steering	steer	VERB
cblr-14253	643	10	consumers	consumer	NOUN
cblr-14253	643	11	into	into	ADP
cblr-14253	643	12	the	the	DET
cblr-14253	643	13	joint	joint	ADJ
cblr-14253	643	14	venture	venture	NOUN
cblr-14253	643	15	,	,	PUNCT
cblr-14253	643	16	it	it	PRON
cblr-14253	643	17	is	be	AUX
cblr-14253	643	18	less	less	ADV
cblr-14253	643	19	likely	likely	ADJ
cblr-14253	643	20	that	that	SCONJ
cblr-14253	643	21	“	"	PUNCT
cblr-14253	643	22	[	[	X
cblr-14253	643	23	the	the	DET
cblr-14253	643	24	]	]	X
cblr-14253	643	25	consumer	consumer	NOUN
cblr-14253	643	26	can	can	AUX
cblr-14253	643	27	shop	shop	VERB
cblr-14253	643	28	and	and	CCONJ
cblr-14253	643	29	compare	compare	VERB
cblr-14253	643	30	products	product	NOUN
cblr-14253	643	31	based	base	VERB
cblr-14253	643	32	on	on	ADP
cblr-14253	643	33	quality	quality	NOUN
cblr-14253	643	34	,	,	PUNCT
cblr-14253	643	35	price	price	NOUN
cblr-14253	643	36	,	,	PUNCT
cblr-14253	643	37	and	and	CCONJ
cblr-14253	643	38	convenience	convenience	NOUN
cblr-14253	643	39	without	without	ADP
cblr-14253	643	40	having	have	VERB
cblr-14253	643	41	to	to	PART
cblr-14253	643	42	worry	worry	VERB
cblr-14253	643	43	about	about	ADP
cblr-14253	643	44	getting	getting	AUX
cblr-14253	643	45	trapped	trap	VERB
cblr-14253	643	46	by	by	ADP
cblr-14253	643	47	the	the	DET
cblr-14253	643	48	fine	fine	ADJ
cblr-14253	643	49	print	print	NOUN
cblr-14253	643	50	into	into	ADP
cblr-14253	643	51	an	an	DET
cblr-14253	643	52	abusive	abusive	ADJ
cblr-14253	643	53	deal	deal	NOUN
cblr-14253	643	54	.	.	PUNCT
cblr-14253	643	55	”123	”123	PUNCT
cblr-14253	643	56	and	and	CCONJ
cblr-14253	643	57	it	it	PRON
cblr-14253	643	58	is	be	AUX
cblr-14253	643	59	highly	highly	ADV
cblr-14253	643	60	likely	likely	ADJ
cblr-14253	643	61	120	120	NUM
cblr-14253	643	62	sichelman	sichelman	ADJ
cblr-14253	643	63	,	,	PUNCT
cblr-14253	643	64	supra	supra	PROPN
cblr-14253	643	65	note	note	NOUN
cblr-14253	643	66	7	7	NUM
cblr-14253	643	67	,	,	PUNCT
cblr-14253	643	68	at	at	ADP
cblr-14253	643	69	14	14	NUM
cblr-14253	643	70	.	.	PUNCT
cblr-14253	643	71	121	121	NUM
cblr-14253	643	72	cfpb	cfpb	NOUN
cblr-14253	643	73	policy	policy	NOUN
cblr-14253	643	74	statement	statement	NOUN
cblr-14253	643	75	,	,	PUNCT
cblr-14253	644	1	supra	supra	PROPN
cblr-14253	644	2	note	note	PROPN
cblr-14253	644	3	104	104	NUM
cblr-14253	644	4	,	,	PUNCT
cblr-14253	644	5	at	at	ADP
cblr-14253	644	6	21889	21889	NUM
cblr-14253	644	7	.	.	PUNCT
cblr-14253	645	1	122	122	NUM
cblr-14253	646	1	i	i	PRON
cblr-14253	646	2	d.	d.	PROPN
cblr-14253	646	3	at	at	ADP
cblr-14253	646	4	21889–90	21889–90	NUM
cblr-14253	646	5	.	.	PUNCT
cblr-14253	647	1	123	123	NUM
cblr-14253	647	2	s.	s.	PROPN
cblr-14253	647	3	rep	rep	PROPN
cblr-14253	647	4	.	.	PROPN
cblr-14253	647	5	no	no	PROPN
cblr-14253	647	6	.	.	NOUN
cblr-14253	647	7	111	111	NUM
cblr-14253	647	8	-	-	SYM
cblr-14253	647	9	176	176	NUM
cblr-14253	647	10	,	,	PUNCT
cblr-14253	647	11	at	at	ADP
cblr-14253	647	12	11	11	NUM
cblr-14253	647	13	(	(	PUNCT
cblr-14253	647	14	2010	2010	NUM
cblr-14253	647	15	)	)	PUNCT
cblr-14253	647	16	.	.	PUNCT
cblr-14253	648	1	see	see	VERB
cblr-14253	648	2	also	also	ADV
cblr-14253	648	3	consumer	consumer	NOUN
cblr-14253	648	4	financial	financial	ADJ
cblr-14253	648	5	protection	protection	NOUN
cblr-14253	648	6	circular	circular	ADJ
cblr-14253	648	7	2024	2024	NUM
cblr-14253	648	8	-	-	SYM
cblr-14253	648	9	01	01	NUM
cblr-14253	648	10	,	,	PUNCT
cblr-14253	648	11	consumer	consumer	NOUN
cblr-14253	648	12	fin	fin	NOUN
cblr-14253	648	13	.	.	PUNCT
cblr-14253	649	1	prot	prot	PROPN
cblr-14253	649	2	.	.	PUNCT
cblr-14253	650	1	bureau	bureau	PROPN
cblr-14253	650	2	(	(	PUNCT
cblr-14253	650	3	feb	feb	PROPN
cblr-14253	650	4	.	.	PROPN
cblr-14253	650	5	29	29	NUM
cblr-14253	650	6	,	,	PUNCT
cblr-14253	650	7	2024	2024	NUM
cblr-14253	650	8	)	)	PUNCT
cblr-14253	650	9	,	,	PUNCT
cblr-14253	650	10	https://www.consumerfinance.gov/compliance/circulars/consumerfinancial-protection-circular-2024-01-preferencing-and-steering-practicesby-digital-intermediaries-for-consumer-financial-products-or-services/	https://www.consumerfinance.gov/compliance/circulars/consumerfinancial-protection-circular-2024-01-preferencing-and-steering-practicesby-digital-intermediaries-for-consumer-financial-products-or-services/	NOUN
cblr-14253	651	1	[	[	X
cblr-14253	651	2	https://perma.cc/7hmk-gkjm	https://perma.cc/7hmk-gkjm	X
cblr-14253	651	3	]	]	X
cblr-14253	651	4	(	(	PUNCT
cblr-14253	651	5	“	"	PUNCT
cblr-14253	651	6	protecting	protect	VERB
cblr-14253	651	7	and	and	CCONJ
cblr-14253	651	8	facilitating	facilitate	VERB
cblr-14253	651	9	people	people	NOUN
cblr-14253	651	10	’s	’s	PART
cblr-14253	651	11	ability	ability	NOUN
cblr-14253	651	12	to	to	PART
cblr-14253	651	13	effectively	effectively	ADV
cblr-14253	651	14	compare	compare	VERB
cblr-14253	651	15	and	and	CCONJ
cblr-14253	651	16	choose	choose	VERB
cblr-14253	651	17	among	among	ADP
cblr-14253	651	18	options	option	NOUN
cblr-14253	651	19	for	for	ADP
cblr-14253	651	20	consumer	consumer	NOUN
cblr-14253	651	21	428	428	NUM
cblr-14253	651	22	columbia	columbia	PROPN
cblr-14253	651	23	business	business	NOUN
cblr-14253	651	24	law	law	PROPN
cblr-14253	651	25	review	review	NOUN
cblr-14253	651	26	[	[	X
cblr-14253	651	27	vol	vol	NOUN
cblr-14253	651	28	.	.	PUNCT
cblr-14253	651	29	2025	2025	NUM
cblr-14253	651	30	that	that	PRON
cblr-14253	651	31	the	the	DET
cblr-14253	651	32	arrangement	arrangement	NOUN
cblr-14253	651	33	leads	lead	VERB
cblr-14253	651	34	to	to	ADP
cblr-14253	651	35	unreasonable	unreasonable	ADJ
cblr-14253	651	36	advantagetaking	advantagetake	VERB
cblr-14253	651	37	,	,	PUNCT
cblr-14253	651	38	because	because	SCONJ
cblr-14253	651	39	closing	closing	NOUN
cblr-14253	651	40	costs	cost	NOUN
cblr-14253	651	41	imposed	impose	VERB
cblr-14253	651	42	by	by	ADP
cblr-14253	651	43	the	the	DET
cblr-14253	651	44	settlement	settlement	NOUN
cblr-14253	651	45	joint	joint	ADJ
cblr-14253	651	46	venture	venture	NOUN
cblr-14253	651	47	must	must	AUX
cblr-14253	651	48	be	be	AUX
cblr-14253	651	49	sufficiently	sufficiently	ADV
cblr-14253	651	50	high	high	ADJ
cblr-14253	651	51	to	to	PART
cblr-14253	651	52	recoup	recoup	VERB
cblr-14253	651	53	the	the	DET
cblr-14253	651	54	kickback	kickback	NOUN
cblr-14253	651	55	payment	payment	NOUN
cblr-14253	651	56	concealed	conceal	VERB
cblr-14253	651	57	within	within	ADP
cblr-14253	651	58	the	the	DET
cblr-14253	651	59	dividends	dividend	NOUN
cblr-14253	651	60	remitted	remit	VERB
cblr-14253	651	61	to	to	ADP
cblr-14253	651	62	the	the	DET
cblr-14253	651	63	realestate	realestate	NOUN
cblr-14253	651	64	agent	agent	NOUN
cblr-14253	651	65	.	.	PUNCT
cblr-14253	652	1	the	the	DET
cblr-14253	652	2	bureau	bureau	NOUN
cblr-14253	652	3	or	or	CCONJ
cblr-14253	652	4	a	a	DET
cblr-14253	652	5	state	state	NOUN
cblr-14253	652	6	attorney	attorney	NOUN
cblr-14253	652	7	general	general	NOUN
cblr-14253	652	8	could	could	AUX
cblr-14253	652	9	,	,	PUNCT
cblr-14253	652	10	under	under	ADP
cblr-14253	652	11	the	the	DET
cblr-14253	652	12	right	right	ADJ
cblr-14253	652	13	circumstances	circumstance	NOUN
cblr-14253	652	14	,	,	PUNCT
cblr-14253	652	15	show	show	VERB
cblr-14253	652	16	this	this	PRON
cblr-14253	652	17	to	to	PART
cblr-14253	652	18	be	be	AUX
cblr-14253	652	19	“	"	PUNCT
cblr-14253	652	20	steering	steering	NOUN
cblr-14253	652	21	or	or	CCONJ
cblr-14253	652	22	self	self	NOUN
cblr-14253	652	23	-	-	PUNCT
cblr-14253	652	24	dealing	dealing	NOUN
cblr-14253	652	25	”	"	PUNCT
cblr-14253	652	26	that	that	PRON
cblr-14253	652	27	is	be	AUX
cblr-14253	652	28	“	"	PUNCT
cblr-14253	652	29	abusive	abusive	ADJ
cblr-14253	652	30	”	"	PUNCT
cblr-14253	652	31	under	under	ADP
cblr-14253	652	32	the	the	DET
cblr-14253	652	33	cfpa.124	cfpa.124	NOUN
cblr-14253	652	34	2	2	NUM
cblr-14253	652	35	.	.	PUNCT
cblr-14253	652	36	abusive	abusive	ADJ
cblr-14253	652	37	breach	breach	NOUN
cblr-14253	652	38	of	of	ADP
cblr-14253	652	39	a	a	DET
cblr-14253	652	40	duty	duty	NOUN
cblr-14253	652	41	of	of	ADP
cblr-14253	652	42	impartiality	impartiality	NOUN
cblr-14253	652	43	and	and	CCONJ
cblr-14253	652	44	what	what	PRON
cblr-14253	652	45	about	about	ADP
cblr-14253	652	46	when	when	SCONJ
cblr-14253	652	47	an	an	DET
cblr-14253	652	48	agent	agent	NOUN
cblr-14253	652	49	refers	refer	VERB
cblr-14253	652	50	their	their	PRON
cblr-14253	652	51	customer	customer	NOUN
cblr-14253	652	52	,	,	PUNCT
cblr-14253	652	53	who	who	PRON
cblr-14253	652	54	is	be	AUX
cblr-14253	652	55	looking	look	VERB
cblr-14253	652	56	for	for	ADP
cblr-14253	652	57	title	title	NOUN
cblr-14253	652	58	services	service	NOUN
cblr-14253	652	59	,	,	PUNCT
cblr-14253	652	60	to	to	ADP
cblr-14253	652	61	the	the	DET
cblr-14253	652	62	agent	agent	NOUN
cblr-14253	652	63	’s	’s	PART
cblr-14253	652	64	own	own	ADJ
cblr-14253	652	65	joint	joint	ADJ
cblr-14253	652	66	venture	venture	NOUN
cblr-14253	652	67	?	?	PUNCT
cblr-14253	653	1	real	real	ADJ
cblr-14253	653	2	-	-	PUNCT
cblr-14253	653	3	estate	estate	NOUN
cblr-14253	653	4	agents	agent	NOUN
cblr-14253	653	5	may	may	AUX
cblr-14253	653	6	be	be	AUX
cblr-14253	653	7	engaging	engage	VERB
cblr-14253	653	8	in	in	ADP
cblr-14253	653	9	abusive	abusive	ADJ
cblr-14253	653	10	conduct	conduct	NOUN
cblr-14253	653	11	when	when	SCONJ
cblr-14253	653	12	their	their	PRON
cblr-14253	653	13	joint	joint	ADJ
cblr-14253	653	14	venture	venture	NOUN
cblr-14253	653	15	serves	serve	VERB
cblr-14253	653	16	as	as	ADP
cblr-14253	653	17	a	a	DET
cblr-14253	653	18	closing	closing	NOUN
cblr-14253	653	19	agent	agent	NOUN
cblr-14253	653	20	.	.	PUNCT
cblr-14253	654	1	in	in	ADP
cblr-14253	654	2	most	most	ADJ
cblr-14253	654	3	jurisdictions	jurisdiction	NOUN
cblr-14253	654	4	,	,	PUNCT
cblr-14253	654	5	a	a	DET
cblr-14253	654	6	title	title	NOUN
cblr-14253	654	7	agent	agent	NOUN
cblr-14253	654	8	is	be	AUX
cblr-14253	654	9	a	a	DET
cblr-14253	654	10	third	third	ADJ
cblr-14253	654	11	-	-	PUNCT
cblr-14253	654	12	party	party	NOUN
cblr-14253	654	13	neutral	neutral	NOUN
cblr-14253	654	14	,	,	PUNCT
cblr-14253	654	15	with	with	SCONJ
cblr-14253	654	16	fiduciary	fiduciary	ADJ
cblr-14253	654	17	obligations	obligation	NOUN
cblr-14253	654	18	to	to	ADP
cblr-14253	654	19	both	both	CCONJ
cblr-14253	654	20	the	the	DET
cblr-14253	654	21	seller	seller	NOUN
cblr-14253	654	22	and	and	CCONJ
cblr-14253	654	23	the	the	DET
cblr-14253	654	24	buyer.125	buyer.125	NOUN
cblr-14253	654	25	for	for	ADP
cblr-14253	654	26	financial	financial	ADJ
cblr-14253	654	27	products	product	NOUN
cblr-14253	654	28	or	or	CCONJ
cblr-14253	654	29	services	service	NOUN
cblr-14253	654	30	is	be	AUX
cblr-14253	654	31	among	among	ADP
cblr-14253	654	32	the	the	DET
cblr-14253	654	33	core	core	ADJ
cblr-14253	654	34	statutory	statutory	ADJ
cblr-14253	654	35	objectives	objective	NOUN
cblr-14253	654	36	of	of	ADP
cblr-14253	654	37	the	the	DET
cblr-14253	654	38	cfpb	cfpb	NOUN
cblr-14253	654	39	.	.	PUNCT
cblr-14253	654	40	”	"	PUNCT
cblr-14253	654	41	)	)	PUNCT
cblr-14253	654	42	.	.	PUNCT
cblr-14253	655	1	124	124	NUM
cblr-14253	656	1	it	it	PRON
cblr-14253	656	2	is	be	AUX
cblr-14253	656	3	also	also	ADV
cblr-14253	656	4	worth	worth	ADJ
cblr-14253	656	5	noting	note	VERB
cblr-14253	656	6	that	that	SCONJ
cblr-14253	656	7	the	the	DET
cblr-14253	656	8	california	california	PROPN
cblr-14253	656	9	state	state	NOUN
cblr-14253	656	10	legislature	legislature	NOUN
cblr-14253	656	11	has	have	AUX
cblr-14253	656	12	adopted	adopt	VERB
cblr-14253	656	13	a	a	DET
cblr-14253	656	14	state	state	NOUN
cblr-14253	656	15	abusive	abusive	ADJ
cblr-14253	656	16	practices	practice	NOUN
cblr-14253	656	17	standard	standard	NOUN
cblr-14253	656	18	mirroring	mirror	VERB
cblr-14253	656	19	the	the	DET
cblr-14253	656	20	cfpa	cfpa	NOUN
cblr-14253	656	21	.	.	PUNCT
cblr-14253	657	1	cal	cal	X
cblr-14253	657	2	.	.	PUNCT
cblr-14253	658	1	fin	fin	NOUN
cblr-14253	658	2	.	.	PUNCT
cblr-14253	658	3	code	code	PROPN
cblr-14253	658	4	§	§	PROPN
cblr-14253	658	5	90003(a)(1	90003(a)(1	NOUN
cblr-14253	658	6	)	)	PUNCT
cblr-14253	658	7	(	(	PUNCT
cblr-14253	658	8	2020	2020	NUM
cblr-14253	658	9	)	)	PUNCT
cblr-14253	658	10	.	.	PUNCT
cblr-14253	659	1	125	125	NUM
cblr-14253	659	2	see	see	VERB
cblr-14253	659	3	,	,	PUNCT
cblr-14253	659	4	e.g.	e.g.	ADV
cblr-14253	659	5	,	,	PUNCT
cblr-14253	659	6	straight	straight	ADV
cblr-14253	659	7	v.	v.	ADP
cblr-14253	659	8	approved	approve	VERB
cblr-14253	659	9	fed	fed	PROPN
cblr-14253	659	10	.	.	PUNCT
cblr-14253	660	1	sav	sav	PROPN
cblr-14253	660	2	.	.	PUNCT
cblr-14253	660	3	bank	bank	PROPN
cblr-14253	660	4	,	,	PUNCT
cblr-14253	660	5	no	no	INTJ
cblr-14253	660	6	.	.	NOUN
cblr-14253	660	7	05	05	NUM
cblr-14253	660	8	-	-	SYM
cblr-14253	660	9	5187	5187	NUM
cblr-14253	660	10	,	,	PUNCT
cblr-14253	660	11	2005	2005	NUM
cblr-14253	660	12	wl	wl	NOUN
cblr-14253	660	13	1288091	1288091	NUM
cblr-14253	660	14	,	,	PUNCT
cblr-14253	660	15	at	at	ADP
cblr-14253	660	16	*	*	NOUN
cblr-14253	660	17	2	2	NUM
cblr-14253	660	18	(	(	PUNCT
cblr-14253	660	19	w.d	w.d	PROPN
cblr-14253	660	20	.	.	PROPN
cblr-14253	660	21	wash	wash	NOUN
cblr-14253	660	22	.	.	PUNCT
cblr-14253	661	1	may	may	AUX
cblr-14253	661	2	27	27	NUM
cblr-14253	661	3	,	,	PUNCT
cblr-14253	661	4	2005	2005	NUM
cblr-14253	661	5	)	)	PUNCT
cblr-14253	661	6	(	(	PUNCT
cblr-14253	661	7	“	"	PUNCT
cblr-14253	661	8	an	an	DET
cblr-14253	661	9	escrow	escrow	ADJ
cblr-14253	661	10	agent	agent	NOUN
cblr-14253	661	11	serves	serve	VERB
cblr-14253	661	12	[	[	X
cblr-14253	661	13	as	as	ADP
cblr-14253	661	14	]	]	PUNCT
cblr-14253	661	15	a	a	DET
cblr-14253	661	16	neutral	neutral	ADJ
cblr-14253	661	17	depository	depository	NOUN
cblr-14253	661	18	for	for	ADP
cblr-14253	661	19	the	the	DET
cblr-14253	661	20	monies	monie	NOUN
cblr-14253	661	21	and	and	CCONJ
cblr-14253	661	22	documents	document	NOUN
cblr-14253	661	23	involved	involve	VERB
cblr-14253	661	24	in	in	ADP
cblr-14253	661	25	a	a	DET
cblr-14253	661	26	real	real	ADJ
cblr-14253	661	27	estate	estate	NOUN
cblr-14253	661	28	deal	deal	NOUN
cblr-14253	661	29	.	.	PUNCT
cblr-14253	661	30	”	"	PUNCT
cblr-14253	661	31	)	)	PUNCT
cblr-14253	661	32	;	;	PUNCT
cblr-14253	661	33	in	in	ADP
cblr-14253	661	34	re	re	ADP
cblr-14253	661	35	davis	davis	PROPN
cblr-14253	661	36	,	,	PUNCT
cblr-14253	661	37	172	172	NUM
cblr-14253	661	38	b.r	b.r	PROPN
cblr-14253	661	39	.	.	PROPN
cblr-14253	661	40	437	437	NUM
cblr-14253	661	41	,	,	PUNCT
cblr-14253	661	42	452	452	NUM
cblr-14253	661	43	(	(	PUNCT
cblr-14253	661	44	bankr	bankr	PROPN
cblr-14253	661	45	.	.	PUNCT
cblr-14253	662	1	d.c	d.c	PROPN
cblr-14253	662	2	.	.	PROPN
cblr-14253	662	3	1994	1994	NUM
cblr-14253	662	4	)	)	PUNCT
cblr-14253	663	1	(	(	PUNCT
cblr-14253	663	2	holding	hold	VERB
cblr-14253	663	3	that	that	SCONJ
cblr-14253	663	4	“	"	PUNCT
cblr-14253	663	5	the	the	DET
cblr-14253	663	6	settlement	settlement	NOUN
cblr-14253	663	7	agent	agent	NOUN
cblr-14253	663	8	.	.	PUNCT
cblr-14253	663	9	.	.	PUNCT
cblr-14253	664	1	.	.	PUNCT
cblr-14253	665	1	had	have	VERB
cblr-14253	665	2	a	a	DET
cblr-14253	665	3	fiduciary	fiduciary	ADJ
cblr-14253	665	4	responsibility	responsibility	NOUN
cblr-14253	665	5	to	to	ADP
cblr-14253	665	6	each	each	PRON
cblr-14253	665	7	of	of	ADP
cblr-14253	665	8	the	the	DET
cblr-14253	665	9	parties	party	NOUN
cblr-14253	665	10	to	to	ADP
cblr-14253	665	11	the	the	DET
cblr-14253	665	12	transaction	transaction	NOUN
cblr-14253	665	13	”	"	PUNCT
cblr-14253	665	14	)	)	PUNCT
cblr-14253	665	15	;	;	PUNCT
cblr-14253	665	16	red	red	ADJ
cblr-14253	665	17	lobster	lobster	NOUN
cblr-14253	665	18	inns	inns	PROPN
cblr-14253	665	19	v.	v.	ADP
cblr-14253	665	20	lawyers	lawyer	NOUN
cblr-14253	665	21	title	title	PROPN
cblr-14253	665	22	ins	ins	PROPN
cblr-14253	665	23	.	.	PUNCT
cblr-14253	665	24	corp	corp	PROPN
cblr-14253	665	25	.	.	PROPN
cblr-14253	665	26	,	,	PUNCT
cblr-14253	665	27	492	492	NUM
cblr-14253	665	28	f.	f.	PROPN
cblr-14253	665	29	supp	supp	PROPN
cblr-14253	665	30	.	.	PUNCT
cblr-14253	666	1	933	933	NUM
cblr-14253	666	2	,	,	PUNCT
cblr-14253	666	3	941	941	NUM
cblr-14253	666	4	(	(	PUNCT
cblr-14253	666	5	e.d	e.d	PROPN
cblr-14253	666	6	.	.	PROPN
cblr-14253	666	7	ark	ark	PROPN
cblr-14253	666	8	.	.	PROPN
cblr-14253	666	9	1980	1980	NUM
cblr-14253	666	10	)	)	PUNCT
cblr-14253	666	11	(	(	PUNCT
cblr-14253	666	12	“	"	PUNCT
cblr-14253	666	13	where	where	SCONJ
cblr-14253	666	14	a	a	DET
cblr-14253	666	15	person	person	NOUN
cblr-14253	666	16	acts	act	VERB
cblr-14253	666	17	as	as	ADP
cblr-14253	666	18	escrow	escrow	ADJ
cblr-14253	666	19	agent	agent	NOUN
cblr-14253	666	20	for	for	ADP
cblr-14253	666	21	parties	party	NOUN
cblr-14253	666	22	to	to	ADP
cblr-14253	666	23	a	a	DET
cblr-14253	666	24	land	land	NOUN
cblr-14253	666	25	sale	sale	NOUN
cblr-14253	666	26	,	,	PUNCT
cblr-14253	666	27	he	he	PRON
cblr-14253	666	28	becomes	become	VERB
cblr-14253	666	29	agent	agent	NOUN
cblr-14253	666	30	of	of	ADP
cblr-14253	666	31	both	both	DET
cblr-14253	666	32	buyer	buyer	NOUN
cblr-14253	666	33	and	and	CCONJ
cblr-14253	666	34	seller	seller	NOUN
cblr-14253	666	35	and	and	CCONJ
cblr-14253	666	36	this	this	DET
cblr-14253	666	37	agency	agency	NOUN
cblr-14253	666	38	creates	create	VERB
cblr-14253	666	39	a	a	DET
cblr-14253	666	40	fiduciary	fiduciary	ADJ
cblr-14253	666	41	relationship	relationship	NOUN
cblr-14253	666	42	.	.	PUNCT
cblr-14253	666	43	”	"	PUNCT
cblr-14253	666	44	)	)	PUNCT
cblr-14253	666	45	,	,	PUNCT
cblr-14253	666	46	rev’d	rev’d	NOUN
cblr-14253	666	47	in	in	ADP
cblr-14253	666	48	part	part	NOUN
cblr-14253	666	49	on	on	ADP
cblr-14253	666	50	other	other	ADJ
cblr-14253	666	51	grounds	ground	NOUN
cblr-14253	666	52	red	red	ADJ
cblr-14253	666	53	lobster	lobster	NOUN
cblr-14253	666	54	inns	inn	NOUN
cblr-14253	666	55	of	of	ADP
cblr-14253	666	56	am	am	PROPN
cblr-14253	666	57	.	.	PROPN
cblr-14253	666	58	,	,	PUNCT
cblr-14253	666	59	inc	inc	PROPN
cblr-14253	666	60	.	.	PROPN
cblr-14253	667	1	v.	v.	CCONJ
cblr-14253	667	2	lawyers	lawyer	NOUN
cblr-14253	667	3	title	title	VERB
cblr-14253	667	4	ins	ins	PROPN
cblr-14253	667	5	.	.	PUNCT
cblr-14253	667	6	corp	corp	PROPN
cblr-14253	667	7	.	.	PROPN
cblr-14253	667	8	,	,	PUNCT
cblr-14253	667	9	656	656	NUM
cblr-14253	667	10	f.2d	f.2d	NUM
cblr-14253	667	11	381	381	NUM
cblr-14253	667	12	(	(	PUNCT
cblr-14253	667	13	8th	8th	ADJ
cblr-14253	667	14	cir	cir	NOUN
cblr-14253	667	15	.	.	PUNCT
cblr-14253	667	16	1981	1981	NUM
cblr-14253	667	17	)	)	PUNCT
cblr-14253	667	18	;	;	PUNCT
cblr-14253	667	19	aranki	aranki	PROPN
cblr-14253	667	20	v.	v.	PROPN
cblr-14253	667	21	rkp	rkp	PROPN
cblr-14253	667	22	invs	invs	PROPN
cblr-14253	667	23	.	.	PROPN
cblr-14253	667	24	,	,	PUNCT
cblr-14253	667	25	inc	inc	PROPN
cblr-14253	667	26	.	.	PROPN
cblr-14253	667	27	,	,	PUNCT
cblr-14253	667	28	979	979	NUM
cblr-14253	667	29	p.2d	p.2d	SYM
cblr-14253	667	30	534	534	NUM
cblr-14253	667	31	,	,	PUNCT
cblr-14253	667	32	536	536	NUM
cblr-14253	667	33	(	(	PUNCT
cblr-14253	667	34	ariz	ariz	PROPN
cblr-14253	667	35	.	.	PUNCT
cblr-14253	668	1	ct	ct	PROPN
cblr-14253	668	2	.	.	PUNCT
cblr-14253	669	1	app	app	PROPN
cblr-14253	669	2	.	.	PROPN
cblr-14253	669	3	1999	1999	NUM
cblr-14253	669	4	)	)	PUNCT
cblr-14253	670	1	(	(	PUNCT
cblr-14253	670	2	recognizing	recognize	VERB
cblr-14253	670	3	that	that	SCONJ
cblr-14253	670	4	“	"	PUNCT
cblr-14253	670	5	escrow	escrow	ADJ
cblr-14253	670	6	agents	agent	NOUN
cblr-14253	670	7	.	.	PUNCT
cblr-14253	670	8	.	.	PUNCT
cblr-14253	671	1	.	.	PUNCT
cblr-14253	672	1	act	act	VERB
cblr-14253	672	2	as	as	ADP
cblr-14253	672	3	fiduciaries	fiduciary	NOUN
cblr-14253	672	4	for	for	ADP
cblr-14253	672	5	buyers	buyer	NOUN
cblr-14253	672	6	and	and	CCONJ
cblr-14253	672	7	sellers	seller	NOUN
cblr-14253	672	8	alike	alike	ADV
cblr-14253	672	9	”	"	PUNCT
cblr-14253	672	10	)	)	PUNCT
cblr-14253	672	11	;	;	PUNCT
cblr-14253	673	1	donovan	donovan	PROPN
cblr-14253	673	2	v.	v.	ADP
cblr-14253	673	3	kirchner	kirchner	PROPN
cblr-14253	673	4	,	,	PUNCT
cblr-14253	673	5	641	641	NUM
cblr-14253	673	6	a.2d	a.2d	SYM
cblr-14253	673	7	961	961	NUM
cblr-14253	673	8	,	,	PUNCT
cblr-14253	673	9	969	969	NUM
cblr-14253	673	10	(	(	PUNCT
cblr-14253	673	11	md	md	PROPN
cblr-14253	673	12	.	.	PROPN
cblr-14253	674	1	ct	ct	PROPN
cblr-14253	674	2	.	.	PUNCT
cblr-14253	674	3	spec	spec	PROPN
cblr-14253	674	4	.	.	PUNCT
cblr-14253	675	1	app	app	PROPN
cblr-14253	675	2	.	.	PROPN
cblr-14253	675	3	1994	1994	NUM
cblr-14253	675	4	)	)	PUNCT
cblr-14253	675	5	(	(	PUNCT
cblr-14253	675	6	“	"	PUNCT
cblr-14253	675	7	the	the	DET
cblr-14253	675	8	third	third	ADJ
cblr-14253	675	9	party	party	NOUN
cblr-14253	675	10	,	,	PUNCT
cblr-14253	675	11	or	or	CCONJ
cblr-14253	675	12	escrow	escrow	ADJ
cblr-14253	675	13	agent	agent	NOUN
cblr-14253	675	14	,	,	PUNCT
cblr-14253	675	15	is	be	AUX
cblr-14253	675	16	uninterested	uninterested	ADJ
cblr-14253	675	17	in	in	ADP
cblr-14253	675	18	the	the	DET
cblr-14253	675	19	transaction	transaction	NOUN
cblr-14253	675	20	and	and	CCONJ
cblr-14253	675	21	acts	act	VERB
cblr-14253	675	22	as	as	ADP
cblr-14253	675	23	a	a	DET
cblr-14253	675	24	fiduciary	fiduciary	NOUN
cblr-14253	675	25	to	to	ADP
cblr-14253	675	26	both	both	DET
cblr-14253	675	27	the	the	DET
cblr-14253	675	28	grantor	grantor	NOUN
cblr-14253	675	29	and	and	CCONJ
cblr-14253	675	30	the	the	DET
cblr-14253	675	31	grantee	grantee	NOUN
cblr-14253	675	32	.	.	PUNCT
cblr-14253	675	33	”	"	PUNCT
cblr-14253	675	34	)	)	PUNCT
cblr-14253	675	35	;	;	PUNCT
cblr-14253	676	1	zimmerman	zimmerman	PROPN
cblr-14253	676	2	v.	v.	CCONJ
cblr-14253	676	3	first	first	PROPN
cblr-14253	676	4	am	am	NOUN
cblr-14253	676	5	.	.	PUNCT
cblr-14253	677	1	title	title	NOUN
cblr-14253	677	2	ins	ins	PROPN
cblr-14253	677	3	.	.	PUNCT
cblr-14253	677	4	co.	co.	PROPN
cblr-14253	677	5	,	,	PUNCT
cblr-14253	677	6	790	790	NUM
cblr-14253	677	7	s.w.2d	s.w.2d	NUM
cblr-14253	677	8	690	690	NUM
cblr-14253	677	9	,	,	PUNCT
cblr-14253	677	10	695	695	NUM
cblr-14253	677	11	(	(	PUNCT
cblr-14253	677	12	tex	tex	PROPN
cblr-14253	677	13	.	.	PROPN
cblr-14253	677	14	app	app	PROPN
cblr-14253	677	15	.	.	PROPN
cblr-14253	677	16	1990	1990	NUM
cblr-14253	677	17	)	)	PUNCT
cblr-14253	677	18	(	(	PUNCT
cblr-14253	677	19	observing	observe	VERB
cblr-14253	677	20	that	that	SCONJ
cblr-14253	677	21	“	"	PUNCT
cblr-14253	677	22	[	[	X
cblr-14253	677	23	a]n	a]n	ADJ
cblr-14253	677	24	escrow	escrow	ADJ
cblr-14253	677	25	agent	agent	NOUN
cblr-14253	677	26	is	be	AUX
cblr-14253	677	27	in	in	ADP
cblr-14253	677	28	a	a	DET
cblr-14253	677	29	fiduciary	fiduciary	ADJ
cblr-14253	677	30	relationship	relationship	NOUN
cblr-14253	677	31	with	with	ADP
cblr-14253	677	32	the	the	DET
cblr-14253	677	33	contracting	contracting	NOUN
cblr-14253	677	34	parties	party	NOUN
cblr-14253	677	35	”	"	PUNCT
cblr-14253	677	36	to	to	ADP
cblr-14253	677	37	a	a	DET
cblr-14253	677	38	real	real	ADJ
cblr-14253	677	39	-	-	PUNCT
cblr-14253	677	40	estate	estate	NOUN
cblr-14253	677	41	transaction	transaction	NOUN
cblr-14253	677	42	)	)	PUNCT
cblr-14253	677	43	;	;	PUNCT
cblr-14253	677	44	wagman	wagman	PROPN
cblr-14253	677	45	v.	v.	PROPN
cblr-14253	677	46	lee	lee	PROPN
cblr-14253	677	47	,	,	PUNCT
cblr-14253	677	48	457	457	NUM
cblr-14253	677	49	a.2d	a.2d	SYM
cblr-14253	677	50	401	401	NUM
cblr-14253	677	51	,	,	PUNCT
cblr-14253	677	52	404	404	NUM
cblr-14253	677	53	(	(	PUNCT
cblr-14253	677	54	d.c	d.c	PROPN
cblr-14253	677	55	.	.	PROPN
cblr-14253	677	56	1983	1983	NUM
cblr-14253	677	57	)	)	PUNCT
cblr-14253	677	58	(	(	PUNCT
cblr-14253	677	59	acknowledging	acknowledge	VERB
cblr-14253	677	60	the	the	DET
cblr-14253	677	61	“	"	PUNCT
cblr-14253	677	62	unique	unique	ADJ
cblr-14253	677	63	position	position	NOUN
cblr-14253	677	64	”	"	PUNCT
cblr-14253	677	65	that	that	PRON
cblr-14253	677	66	an	an	DET
cblr-14253	677	67	escrow	escrow	ADJ
cblr-14253	677	68	agent	agent	NOUN
cblr-14253	677	69	occupies	occupy	VERB
cblr-14253	677	70	“	"	PUNCT
cblr-14253	677	71	in	in	ADP
cblr-14253	677	72	the	the	DET
cblr-14253	677	73	‘	'	PUNCT
cblr-14253	677	74	triangular	triangular	NOUN
cblr-14253	677	75	’	'	PUNCT
cblr-14253	677	76	relationship	relationship	NOUN
cblr-14253	677	77	between	between	ADP
cblr-14253	677	78	purchaser	purchaser	NOUN
cblr-14253	677	79	and	and	CCONJ
cblr-14253	677	80	seller	seller	NOUN
cblr-14253	677	81	”	"	PUNCT
cblr-14253	677	82	)	)	PUNCT
cblr-14253	677	83	(	(	PUNCT
cblr-14253	677	84	citation	citation	NOUN
cblr-14253	677	85	omitted	omit	VERB
cblr-14253	677	86	)	)	PUNCT
cblr-14253	677	87	.	.	PUNCT
cblr-14253	678	1	no	no	INTJ
cblr-14253	678	2	.	.	NOUN
cblr-14253	679	1	1	1	NUM
cblr-14253	679	2	]	]	PUNCT
cblr-14253	679	3	corrupt	corrupt	ADJ
cblr-14253	679	4	joint	joint	ADJ
cblr-14253	679	5	ventures	venture	NOUN
cblr-14253	679	6	429	429	NUM
cblr-14253	679	7	example	example	NOUN
cblr-14253	679	8	,	,	PUNCT
cblr-14253	679	9	the	the	DET
cblr-14253	679	10	arizona	arizona	PROPN
cblr-14253	679	11	association	association	PROPN
cblr-14253	679	12	of	of	ADP
cblr-14253	679	13	realtors	realtor	NOUN
cblr-14253	679	14	®	®	NOUN
cblr-14253	679	15	recently	recently	ADV
cblr-14253	679	16	observed	observe	VERB
cblr-14253	679	17	that	that	SCONJ
cblr-14253	679	18	“	"	PUNCT
cblr-14253	679	19	[	[	X
cblr-14253	679	20	a	a	X
cblr-14253	679	21	]	]	X
cblr-14253	679	22	title	title	NOUN
cblr-14253	679	23	company	company	NOUN
cblr-14253	679	24	is	be	AUX
cblr-14253	679	25	a	a	DET
cblr-14253	679	26	neutral	neutral	ADJ
cblr-14253	679	27	third	third	ADJ
cblr-14253	679	28	party	party	NOUN
cblr-14253	679	29	employed	employ	VERB
cblr-14253	679	30	to	to	PART
cblr-14253	679	31	insure	insure	VERB
cblr-14253	679	32	the	the	DET
cblr-14253	679	33	title	title	NOUN
cblr-14253	679	34	to	to	ADP
cblr-14253	679	35	the	the	DET
cblr-14253	679	36	home	home	NOUN
cblr-14253	679	37	and	and	CCONJ
cblr-14253	679	38	issue	issue	VERB
cblr-14253	679	39	titleinsurance	titleinsurance	NOUN
cblr-14253	679	40	policies	policy	NOUN
cblr-14253	679	41	to	to	ADP
cblr-14253	679	42	the	the	DET
cblr-14253	679	43	buyer	buyer	NOUN
cblr-14253	679	44	and	and	CCONJ
cblr-14253	679	45	mortgage	mortgage	NOUN
cblr-14253	679	46	lender	lender	NOUN
cblr-14253	679	47	.	.	PUNCT
cblr-14253	680	1	”126	”126	PROPN
cblr-14253	680	2	the	the	DET
cblr-14253	680	3	title	title	NOUN
cblr-14253	680	4	company	company	NOUN
cblr-14253	680	5	’s	’s	PART
cblr-14253	680	6	duties	duty	NOUN
cblr-14253	680	7	include	include	VERB
cblr-14253	680	8	researching	research	VERB
cblr-14253	680	9	“	"	PUNCT
cblr-14253	680	10	the	the	DET
cblr-14253	680	11	history	history	NOUN
cblr-14253	680	12	of	of	ADP
cblr-14253	680	13	the	the	DET
cblr-14253	680	14	property	property	NOUN
cblr-14253	680	15	to	to	PART
cblr-14253	680	16	identify	identify	VERB
cblr-14253	680	17	potential	potential	ADJ
cblr-14253	680	18	problems	problem	NOUN
cblr-14253	680	19	,	,	PUNCT
cblr-14253	680	20	claims	claim	NOUN
cblr-14253	680	21	,	,	PUNCT
cblr-14253	680	22	or	or	CCONJ
cblr-14253	680	23	discrepancies	discrepancy	NOUN
cblr-14253	680	24	that	that	PRON
cblr-14253	680	25	may	may	AUX
cblr-14253	680	26	interrupt	interrupt	VERB
cblr-14253	680	27	the	the	DET
cblr-14253	680	28	transaction	transaction	NOUN
cblr-14253	680	29	.	.	PUNCT
cblr-14253	680	30	”127	”127	PUNCT
cblr-14253	680	31	because	because	SCONJ
cblr-14253	680	32	“	"	PUNCT
cblr-14253	680	33	the	the	DET
cblr-14253	680	34	title	title	NOUN
cblr-14253	680	35	company	company	NOUN
cblr-14253	680	36	is	be	AUX
cblr-14253	680	37	charged	charge	VERB
cblr-14253	680	38	with	with	ADP
cblr-14253	680	39	formally	formally	ADV
cblr-14253	680	40	transferring	transfer	VERB
cblr-14253	680	41	ownership	ownership	NOUN
cblr-14253	680	42	from	from	ADP
cblr-14253	680	43	the	the	DET
cblr-14253	680	44	seller	seller	NOUN
cblr-14253	680	45	to	to	ADP
cblr-14253	680	46	the	the	DET
cblr-14253	680	47	buyer	buyer	NOUN
cblr-14253	680	48	,	,	PUNCT
cblr-14253	680	49	it	it	PRON
cblr-14253	680	50	is	be	AUX
cblr-14253	680	51	critical	critical	ADJ
cblr-14253	680	52	that	that	SCONJ
cblr-14253	680	53	they	they	PRON
cblr-14253	680	54	serve	serve	VERB
cblr-14253	680	55	in	in	ADP
cblr-14253	680	56	an	an	DET
cblr-14253	680	57	impartial	impartial	ADJ
cblr-14253	680	58	manner	manner	NOUN
cblr-14253	680	59	.	.	PUNCT
cblr-14253	680	60	”128	”128	PUNCT
cblr-14253	681	1	but	but	CCONJ
cblr-14253	681	2	when	when	SCONJ
cblr-14253	681	3	the	the	DET
cblr-14253	681	4	escrow	escrow	ADJ
cblr-14253	681	5	company	company	NOUN
cblr-14253	681	6	is	be	AUX
cblr-14253	681	7	a	a	DET
cblr-14253	681	8	joint	joint	ADJ
cblr-14253	681	9	venture	venture	NOUN
cblr-14253	681	10	owned	own	VERB
cblr-14253	681	11	in	in	ADP
cblr-14253	681	12	part	part	NOUN
cblr-14253	681	13	by	by	ADP
cblr-14253	681	14	the	the	DET
cblr-14253	681	15	buyer	buyer	NOUN
cblr-14253	681	16	’s	’s	PART
cblr-14253	681	17	real	real	ADJ
cblr-14253	681	18	-	-	PUNCT
cblr-14253	681	19	estate	estate	NOUN
cblr-14253	681	20	agent	agent	NOUN
cblr-14253	681	21	,	,	PUNCT
cblr-14253	681	22	it	it	PRON
cblr-14253	681	23	lacks	lack	VERB
cblr-14253	681	24	the	the	DET
cblr-14253	681	25	disinterestedness	disinterestedness	NOUN
cblr-14253	681	26	that	that	SCONJ
cblr-14253	681	27	the	the	DET
cblr-14253	681	28	law	law	NOUN
cblr-14253	681	29	requires	require	VERB
cblr-14253	681	30	,	,	PUNCT
cblr-14253	681	31	potentially	potentially	ADV
cblr-14253	681	32	to	to	ADP
cblr-14253	681	33	the	the	DET
cblr-14253	681	34	detriment	detriment	NOUN
cblr-14253	681	35	of	of	ADP
cblr-14253	681	36	the	the	DET
cblr-14253	681	37	seller	seller	NOUN
cblr-14253	681	38	,	,	PUNCT
cblr-14253	681	39	who	who	PRON
cblr-14253	681	40	,	,	PUNCT
cblr-14253	681	41	like	like	ADP
cblr-14253	681	42	the	the	DET
cblr-14253	681	43	buyer	buyer	NOUN
cblr-14253	681	44	,	,	PUNCT
cblr-14253	681	45	is	be	AUX
cblr-14253	681	46	a	a	DET
cblr-14253	681	47	“	"	PUNCT
cblr-14253	681	48	consumer	consumer	NOUN
cblr-14253	681	49	,	,	PUNCT
cblr-14253	681	50	”	"	PUNCT
cblr-14253	681	51	entitled	entitle	VERB
cblr-14253	681	52	to	to	ADP
cblr-14253	681	53	the	the	DET
cblr-14253	681	54	cfpa	cfpa	NOUN
cblr-14253	681	55	’s	’s	PART
cblr-14253	681	56	protections	protection	NOUN
cblr-14253	681	57	.	.	PUNCT
cblr-14253	682	1	a	a	DET
cblr-14253	682	2	real	real	ADJ
cblr-14253	682	3	-	-	PUNCT
cblr-14253	682	4	estate	estate	NOUN
cblr-14253	682	5	agent	agent	NOUN
cblr-14253	682	6	might	might	AUX
cblr-14253	682	7	argue	argue	VERB
cblr-14253	682	8	that	that	SCONJ
cblr-14253	682	9	because	because	SCONJ
cblr-14253	682	10	they	they	PRON
cblr-14253	682	11	have	have	AUX
cblr-14253	682	12	disclosed	disclose	VERB
cblr-14253	682	13	to	to	ADP
cblr-14253	682	14	the	the	DET
cblr-14253	682	15	consumers	consumer	NOUN
cblr-14253	682	16	their	their	PRON
cblr-14253	682	17	affiliated	affiliate	VERB
cblr-14253	682	18	-	-	PUNCT
cblr-14253	682	19	business	business	NOUN
cblr-14253	682	20	arrangement	arrangement	NOUN
cblr-14253	682	21	(	(	PUNCT
cblr-14253	682	22	as	as	SCONJ
cblr-14253	682	23	respa	respa	PROPN
cblr-14253	682	24	requires	require	VERB
cblr-14253	682	25	)	)	PUNCT
cblr-14253	682	26	,	,	PUNCT
cblr-14253	682	27	their	their	PRON
cblr-14253	682	28	conflict	conflict	NOUN
cblr-14253	682	29	of	of	ADP
cblr-14253	682	30	interest	interest	NOUN
cblr-14253	682	31	can	can	AUX
cblr-14253	682	32	not	not	PART
cblr-14253	682	33	be	be	AUX
cblr-14253	682	34	abusive	abusive	ADJ
cblr-14253	682	35	under	under	ADP
cblr-14253	682	36	the	the	DET
cblr-14253	682	37	cfpa	cfpa	NOUN
cblr-14253	682	38	.	.	PUNCT
cblr-14253	683	1	but	but	CCONJ
cblr-14253	683	2	it	it	PRON
cblr-14253	683	3	is	be	AUX
cblr-14253	683	4	unlikely	unlikely	ADJ
cblr-14253	683	5	that	that	SCONJ
cblr-14253	683	6	disclosure	disclosure	NOUN
cblr-14253	683	7	would	would	AUX
cblr-14253	683	8	negate	negate	VERB
cblr-14253	683	9	an	an	DET
cblr-14253	683	10	abusive	abusive	ADJ
cblr-14253	683	11	-	-	PUNCT
cblr-14253	683	12	conduct	conduct	NOUN
cblr-14253	683	13	claim	claim	NOUN
cblr-14253	683	14	.	.	PUNCT
cblr-14253	684	1	the	the	DET
cblr-14253	684	2	bureau	bureau	NOUN
cblr-14253	684	3	has	have	AUX
cblr-14253	684	4	brought	bring	VERB
cblr-14253	684	5	several	several	ADJ
cblr-14253	684	6	enforcement	enforcement	NOUN
cblr-14253	684	7	actions	action	NOUN
cblr-14253	684	8	alleging	allege	VERB
cblr-14253	684	9	abusive	abusive	ADJ
cblr-14253	684	10	acts	act	NOUN
cblr-14253	684	11	and	and	CCONJ
cblr-14253	684	12	practices	practice	NOUN
cblr-14253	684	13	in	in	ADP
cblr-14253	684	14	situations	situation	NOUN
cblr-14253	684	15	where	where	SCONJ
cblr-14253	684	16	the	the	DET
cblr-14253	684	17	covered	covered	ADJ
cblr-14253	684	18	person	person	NOUN
cblr-14253	684	19	had	have	AUX
cblr-14253	684	20	disclosed	disclose	VERB
cblr-14253	684	21	the	the	DET
cblr-14253	684	22	challenged	challenge	VERB
cblr-14253	684	23	conduct	conduct	NOUN
cblr-14253	684	24	.	.	PUNCT
cblr-14253	685	1	for	for	ADP
cblr-14253	685	2	example	example	NOUN
cblr-14253	685	3	,	,	PUNCT
cblr-14253	685	4	in	in	ADP
cblr-14253	685	5	its	its	PRON
cblr-14253	685	6	case	case	NOUN
cblr-14253	685	7	against	against	ADP
cblr-14253	685	8	freedom	freedom	NOUN
cblr-14253	685	9	stores	store	NOUN
cblr-14253	685	10	,	,	PUNCT
cblr-14253	685	11	inc	inc	PROPN
cblr-14253	685	12	.	.	PROPN
cblr-14253	685	13	,	,	PUNCT
cblr-14253	685	14	which	which	PRON
cblr-14253	685	15	the	the	DET
cblr-14253	685	16	bureau	bureau	NOUN
cblr-14253	685	17	brought	bring	VERB
cblr-14253	685	18	jointly	jointly	ADV
cblr-14253	685	19	with	with	ADP
cblr-14253	685	20	the	the	DET
cblr-14253	685	21	virginia	virginia	PROPN
cblr-14253	685	22	and	and	CCONJ
cblr-14253	685	23	north	north	PROPN
cblr-14253	685	24	carolina	carolina	PROPN
cblr-14253	685	25	attorneys	attorney	NOUN
cblr-14253	685	26	general	general	PROPN
cblr-14253	685	27	,	,	PUNCT
cblr-14253	685	28	the	the	DET
cblr-14253	685	29	bureau	bureau	NOUN
cblr-14253	685	30	charged	charge	VERB
cblr-14253	685	31	as	as	ADP
cblr-14253	685	32	abusive	abusive	ADJ
cblr-14253	685	33	the	the	DET
cblr-14253	685	34	practice	practice	NOUN
cblr-14253	685	35	of	of	ADP
cblr-14253	685	36	filing	file	VERB
cblr-14253	685	37	lawsuits	lawsuit	NOUN
cblr-14253	685	38	in	in	ADP
cblr-14253	685	39	norfolk	norfolk	PROPN
cblr-14253	685	40	,	,	PUNCT
cblr-14253	685	41	virginia	virginia	PROPN
cblr-14253	685	42	against	against	ADP
cblr-14253	685	43	consumers	consumer	NOUN
cblr-14253	685	44	who	who	PRON
cblr-14253	685	45	had	have	AUX
cblr-14253	685	46	not	not	PART
cblr-14253	685	47	signed	sign	VERB
cblr-14253	685	48	their	their	PRON
cblr-14253	685	49	financing	financing	NOUN
cblr-14253	685	50	contracts	contract	NOUN
cblr-14253	685	51	in	in	ADP
cblr-14253	685	52	virginia	virginia	PROPN
cblr-14253	685	53	and	and	CCONJ
cblr-14253	685	54	did	do	AUX
cblr-14253	685	55	not	not	PART
cblr-14253	685	56	live	live	VERB
cblr-14253	685	57	there	there	ADV
cblr-14253	685	58	when	when	SCONJ
cblr-14253	685	59	the	the	DET
cblr-14253	685	60	suits	suit	NOUN
cblr-14253	685	61	were	be	AUX
cblr-14253	685	62	filed.129	filed.129	VERB
cblr-14253	685	63	the	the	DET
cblr-14253	685	64	bureau	bureau	NOUN
cblr-14253	685	65	and	and	CCONJ
cblr-14253	685	66	126	126	NUM
cblr-14253	685	67	see	see	VERB
cblr-14253	685	68	scott	scott	PROPN
cblr-14253	685	69	drucker	drucker	PROPN
cblr-14253	685	70	,	,	PUNCT
cblr-14253	685	71	disclosure	disclosure	NOUN
cblr-14253	685	72	of	of	ADP
cblr-14253	685	73	common	common	ADJ
cblr-14253	685	74	ownership	ownership	NOUN
cblr-14253	685	75	interest	interest	NOUN
cblr-14253	685	76	between	between	ADP
cblr-14253	685	77	agent	agent	NOUN
cblr-14253	685	78	and	and	CCONJ
cblr-14253	685	79	title	title	NOUN
cblr-14253	685	80	company	company	NOUN
cblr-14253	685	81	,	,	PUNCT
cblr-14253	685	82	ariz	ariz	PROPN
cblr-14253	685	83	.	.	PUNCT
cblr-14253	686	1	realtors	realtor	NOUN
cblr-14253	686	2	(	(	PUNCT
cblr-14253	686	3	nov	nov	PROPN
cblr-14253	686	4	.	.	PROPN
cblr-14253	686	5	13	13	NUM
cblr-14253	686	6	,	,	PUNCT
cblr-14253	686	7	2020	2020	NUM
cblr-14253	686	8	)	)	PUNCT
cblr-14253	686	9	,	,	PUNCT
cblr-14253	686	10	https://www.aaronline.com/2020/11/13/disclosure-of-common-ownershipinterest-between-agent-and-title-company/	https://www.aaronline.com/2020/11/13/disclosure-of-common-ownershipinterest-between-agent-and-title-company/	NOUN
cblr-14253	686	11	[	[	X
cblr-14253	686	12	https://perma.cc/nv8b-uu7c	https://perma.cc/nv8b-uu7c	X
cblr-14253	686	13	]	]	X
cblr-14253	686	14	.	.	PUNCT
cblr-14253	687	1	127	127	NUM
cblr-14253	688	1	i	i	PRON
cblr-14253	688	2	d.	d.	PROPN
cblr-14253	688	3	128	128	NUM
cblr-14253	689	1	i	i	PROPN
cblr-14253	689	2	d.	d.	PROPN
cblr-14253	689	3	129	129	NUM
cblr-14253	689	4	complaint	complaint	NOUN
cblr-14253	689	5	for	for	ADP
cblr-14253	689	6	injunctive	injunctive	ADJ
cblr-14253	689	7	relief	relief	NOUN
cblr-14253	689	8	and	and	CCONJ
cblr-14253	689	9	damages	damage	NOUN
cblr-14253	689	10	at	at	ADP
cblr-14253	689	11	¶¶	¶¶	PROPN
cblr-14253	689	12	72–78	72–78	NUM
cblr-14253	689	13	,	,	PUNCT
cblr-14253	689	14	consumer	consumer	NOUN
cblr-14253	689	15	fin	fin	NOUN
cblr-14253	689	16	.	.	PUNCT
cblr-14253	690	1	prot	prot	PROPN
cblr-14253	690	2	.	.	PUNCT
cblr-14253	691	1	bureau	bureau	PROPN
cblr-14253	691	2	v.	v.	ADP
cblr-14253	691	3	freedom	freedom	PROPN
cblr-14253	691	4	stores	stores	PROPN
cblr-14253	691	5	,	,	PUNCT
cblr-14253	691	6	inc	inc	PROPN
cblr-14253	691	7	.	.	PROPN
cblr-14253	691	8	,	,	PUNCT
cblr-14253	691	9	no	no	INTJ
cblr-14253	691	10	.	.	PUNCT
cblr-14253	692	1	2:14	2:14	NUM
cblr-14253	692	2	-	-	PUNCT
cblr-14253	692	3	cv-643	cv-643	PRON
cblr-14253	692	4	(	(	PUNCT
cblr-14253	692	5	e.d	e.d	PROPN
cblr-14253	692	6	.	.	PROPN
cblr-14253	692	7	va	va	PROPN
cblr-14253	692	8	.	.	PROPN
cblr-14253	692	9	filed	file	VERB
cblr-14253	692	10	dec	dec	PROPN
cblr-14253	692	11	.	.	PROPN
cblr-14253	692	12	18	18	NUM
cblr-14253	692	13	,	,	PUNCT
cblr-14253	692	14	2014	2014	NUM
cblr-14253	692	15	)	)	PUNCT
cblr-14253	692	16	,	,	PUNCT
cblr-14253	692	17	https://files.consumerfinance.gov/f/201412_cfpb_complaint_freedomstores_va-nc.pdf	https://files.consumerfinance.gov/f/201412_cfpb_complaint_freedomstores_va-nc.pdf	NOUN
cblr-14253	693	1	[	[	X
cblr-14253	693	2	https://perma.cc/pt8y-bu5	https://perma.cc/pt8y-bu5	NOUN
cblr-14253	693	3	m	m	X
cblr-14253	693	4	]	]	X
cblr-14253	693	5	.	.	PUNCT
cblr-14253	694	1	430	430	NUM
cblr-14253	694	2	columbia	columbia	PROPN
cblr-14253	694	3	business	business	NOUN
cblr-14253	694	4	law	law	PROPN
cblr-14253	694	5	review	review	NOUN
cblr-14253	694	6	[	[	X
cblr-14253	694	7	vol	vol	NOUN
cblr-14253	694	8	.	.	PUNCT
cblr-14253	694	9	2025	2025	NUM
cblr-14253	694	10	the	the	DET
cblr-14253	694	11	states	state	NOUN
cblr-14253	694	12	asserted	assert	VERB
cblr-14253	694	13	this	this	DET
cblr-14253	694	14	claim	claim	NOUN
cblr-14253	694	15	even	even	ADV
cblr-14253	694	16	though	though	SCONJ
cblr-14253	694	17	consumers	consumer	NOUN
cblr-14253	694	18	had	have	AUX
cblr-14253	694	19	signed	sign	VERB
cblr-14253	694	20	contracts	contract	NOUN
cblr-14253	694	21	that	that	PRON
cblr-14253	694	22	included	include	VERB
cblr-14253	694	23	a	a	DET
cblr-14253	694	24	provision	provision	NOUN
cblr-14253	694	25	designating	designate	VERB
cblr-14253	694	26	virginia	virginia	PROPN
cblr-14253	694	27	as	as	ADP
cblr-14253	694	28	the	the	DET
cblr-14253	694	29	forum	forum	NOUN
cblr-14253	694	30	where	where	SCONJ
cblr-14253	694	31	any	any	DET
cblr-14253	694	32	suits	suit	NOUN
cblr-14253	694	33	would	would	AUX
cblr-14253	694	34	be	be	AUX
cblr-14253	694	35	filed.130	filed.130	NOUN
cblr-14253	694	36	as	as	SCONJ
cblr-14253	694	37	this	this	DET
cblr-14253	694	38	case	case	NOUN
cblr-14253	694	39	demonstrates	demonstrate	VERB
cblr-14253	694	40	,	,	PUNCT
cblr-14253	694	41	the	the	DET
cblr-14253	694	42	bureau	bureau	NOUN
cblr-14253	694	43	believes	believe	VERB
cblr-14253	694	44	that	that	SCONJ
cblr-14253	694	45	it	it	PRON
cblr-14253	694	46	is	be	AUX
cblr-14253	694	47	possible	possible	ADJ
cblr-14253	694	48	for	for	SCONJ
cblr-14253	694	49	conduct	conduct	NOUN
cblr-14253	694	50	to	to	PART
cblr-14253	694	51	be	be	AUX
cblr-14253	694	52	“	"	PUNCT
cblr-14253	694	53	abusive	abusive	ADJ
cblr-14253	694	54	”	"	PUNCT
cblr-14253	694	55	even	even	ADV
cblr-14253	694	56	when	when	SCONJ
cblr-14253	694	57	it	it	PRON
cblr-14253	694	58	is	be	AUX
cblr-14253	694	59	disclosed	disclose	VERB
cblr-14253	694	60	to	to	ADP
cblr-14253	694	61	consumers	consumer	NOUN
cblr-14253	694	62	.	.	PUNCT
cblr-14253	695	1	indeed	indeed	ADV
cblr-14253	695	2	,	,	PUNCT
cblr-14253	695	3	the	the	DET
cblr-14253	695	4	bureau	bureau	NOUN
cblr-14253	695	5	’s	’s	PART
cblr-14253	695	6	policy	policy	NOUN
cblr-14253	695	7	statement	statement	NOUN
cblr-14253	695	8	on	on	ADP
cblr-14253	695	9	abusive	abusive	ADJ
cblr-14253	695	10	conduct	conduct	NOUN
cblr-14253	695	11	referred	refer	VERB
cblr-14253	695	12	favorably	favorably	ADV
cblr-14253	695	13	to	to	ADP
cblr-14253	695	14	a	a	DET
cblr-14253	695	15	treasury	treasury	PROPN
cblr-14253	695	16	department	department	NOUN
cblr-14253	695	17	report	report	NOUN
cblr-14253	695	18	that	that	PRON
cblr-14253	695	19	observed	observe	VERB
cblr-14253	695	20	that	that	SCONJ
cblr-14253	695	21	consumers	consumer	NOUN
cblr-14253	695	22	“	"	PUNCT
cblr-14253	695	23	may	may	AUX
cblr-14253	695	24	retain	retain	VERB
cblr-14253	695	25	faith	faith	NOUN
cblr-14253	695	26	that	that	SCONJ
cblr-14253	695	27	[	[	X
cblr-14253	695	28	an	an	DET
cblr-14253	695	29	]	]	X
cblr-14253	695	30	intermediary	intermediary	NOUN
cblr-14253	695	31	is	be	AUX
cblr-14253	695	32	working	work	VERB
cblr-14253	695	33	for	for	ADP
cblr-14253	695	34	them	they	PRON
cblr-14253	695	35	and	and	CCONJ
cblr-14253	695	36	placing	place	VERB
cblr-14253	695	37	their	their	PRON
cblr-14253	695	38	interests	interest	NOUN
cblr-14253	695	39	above	above	ADP
cblr-14253	695	40	his	his	PRON
cblr-14253	695	41	or	or	CCONJ
cblr-14253	695	42	her	her	PRON
cblr-14253	695	43	own	own	ADJ
cblr-14253	695	44	,	,	PUNCT
cblr-14253	695	45	even	even	ADV
cblr-14253	695	46	if	if	SCONJ
cblr-14253	695	47	the	the	DET
cblr-14253	695	48	conflict	conflict	NOUN
cblr-14253	695	49	of	of	ADP
cblr-14253	695	50	interest	interest	NOUN
cblr-14253	695	51	is	be	AUX
cblr-14253	695	52	disclosed	disclose	VERB
cblr-14253	695	53	.	.	PUNCT
cblr-14253	696	1	”131	”131	PROPN
cblr-14253	697	1	in	in	ADP
cblr-14253	697	2	those	those	DET
cblr-14253	697	3	situations	situation	NOUN
cblr-14253	697	4	,	,	PUNCT
cblr-14253	697	5	“	"	PUNCT
cblr-14253	697	6	consumers	consumer	NOUN
cblr-14253	697	7	may	may	AUX
cblr-14253	697	8	reasonably	reasonably	ADV
cblr-14253	697	9	but	but	CCONJ
cblr-14253	697	10	mistakenly	mistakenly	ADV
cblr-14253	697	11	rely	rely	VERB
cblr-14253	697	12	on	on	ADP
cblr-14253	697	13	advice	advice	NOUN
cblr-14253	697	14	from	from	ADP
cblr-14253	697	15	conflicted	conflicted	ADJ
cblr-14253	697	16	intermediaries	intermediary	NOUN
cblr-14253	697	17	.	.	PUNCT
cblr-14253	698	1	”132	”132	VERB
cblr-14253	698	2	a	a	DET
cblr-14253	698	3	real	real	ADJ
cblr-14253	698	4	-	-	PUNCT
cblr-14253	698	5	estate	estate	NOUN
cblr-14253	698	6	agent	agent	NOUN
cblr-14253	698	7	might	might	AUX
cblr-14253	698	8	also	also	ADV
cblr-14253	698	9	argue	argue	VERB
cblr-14253	698	10	that	that	SCONJ
cblr-14253	698	11	because	because	SCONJ
cblr-14253	698	12	affiliated	affiliate	VERB
cblr-14253	698	13	-	-	PUNCT
cblr-14253	698	14	business	business	NOUN
cblr-14253	698	15	arrangements	arrangement	NOUN
cblr-14253	698	16	are	be	AUX
cblr-14253	698	17	specifically	specifically	ADV
cblr-14253	698	18	contemplated	contemplate	VERB
cblr-14253	698	19	under	under	ADP
cblr-14253	698	20	respa	respa	NOUN
cblr-14253	698	21	,	,	PUNCT
cblr-14253	698	22	they	they	PRON
cblr-14253	698	23	can	can	AUX
cblr-14253	698	24	not	not	PART
cblr-14253	698	25	be	be	AUX
cblr-14253	698	26	illegal	illegal	ADJ
cblr-14253	698	27	under	under	ADP
cblr-14253	698	28	the	the	DET
cblr-14253	698	29	cfpa	cfpa	NOUN
cblr-14253	698	30	.	.	PUNCT
cblr-14253	699	1	but	but	CCONJ
cblr-14253	699	2	this	this	DET
cblr-14253	699	3	argument	argument	NOUN
cblr-14253	699	4	is	be	AUX
cblr-14253	699	5	unlikely	unlikely	ADJ
cblr-14253	699	6	to	to	PART
cblr-14253	699	7	succeed	succeed	VERB
cblr-14253	699	8	.	.	PUNCT
cblr-14253	700	1	while	while	SCONJ
cblr-14253	700	2	it	it	PRON
cblr-14253	700	3	is	be	AUX
cblr-14253	700	4	true	true	ADJ
cblr-14253	700	5	that	that	SCONJ
cblr-14253	700	6	affiliated	affiliate	VERB
cblr-14253	700	7	-	-	PUNCT
cblr-14253	700	8	business	business	NOUN
cblr-14253	700	9	arrangements	arrangement	NOUN
cblr-14253	700	10	can	can	AUX
cblr-14253	700	11	be	be	AUX
cblr-14253	700	12	an	an	DET
cblr-14253	700	13	exception	exception	NOUN
cblr-14253	700	14	to	to	ADP
cblr-14253	700	15	respa	respa	PROPN
cblr-14253	700	16	’s	’s	PART
cblr-14253	700	17	prohibition	prohibition	NOUN
cblr-14253	700	18	on	on	ADP
cblr-14253	700	19	kickbacks	kickback	NOUN
cblr-14253	700	20	,	,	PUNCT
cblr-14253	700	21	that	that	PRON
cblr-14253	700	22	would	would	AUX
cblr-14253	700	23	be	be	AUX
cblr-14253	700	24	irrelevant	irrelevant	ADJ
cblr-14253	700	25	to	to	ADP
cblr-14253	700	26	whether	whether	SCONJ
cblr-14253	700	27	there	there	PRON
cblr-14253	700	28	has	have	AUX
cblr-14253	700	29	been	be	AUX
cblr-14253	700	30	a	a	DET
cblr-14253	700	31	violation	violation	NOUN
cblr-14253	700	32	of	of	ADP
cblr-14253	700	33	a	a	DET
cblr-14253	700	34	different	different	ADJ
cblr-14253	700	35	statute	statute	NOUN
cblr-14253	700	36	,	,	PUNCT
cblr-14253	700	37	the	the	DET
cblr-14253	700	38	cfpa	cfpa	NOUN
cblr-14253	700	39	.	.	PUNCT
cblr-14253	701	1	indeed	indeed	ADV
cblr-14253	701	2	,	,	PUNCT
cblr-14253	701	3	the	the	DET
cblr-14253	701	4	bureau	bureau	NOUN
cblr-14253	701	5	’s	’s	PART
cblr-14253	701	6	udaap	udaap	PROPN
cblr-14253	701	7	exam	exam	PROPN
cblr-14253	701	8	manual	manual	NOUN
cblr-14253	701	9	specifically	specifically	ADV
cblr-14253	701	10	notes	note	VERB
cblr-14253	701	11	that	that	SCONJ
cblr-14253	701	12	“	"	PUNCT
cblr-14253	701	13	a	a	DET
cblr-14253	701	14	transaction	transaction	NOUN
cblr-14253	701	15	that	that	PRON
cblr-14253	701	16	is	be	AUX
cblr-14253	701	17	in	in	ADP
cblr-14253	701	18	technical	technical	ADJ
cblr-14253	701	19	compliance	compliance	NOUN
cblr-14253	701	20	with	with	ADP
cblr-14253	701	21	other	other	ADJ
cblr-14253	701	22	federal	federal	ADJ
cblr-14253	701	23	or	or	CCONJ
cblr-14253	701	24	state	state	NOUN
cblr-14253	701	25	laws	law	NOUN
cblr-14253	701	26	may	may	AUX
cblr-14253	701	27	nevertheless	nevertheless	ADV
cblr-14253	701	28	violate	violate	VERB
cblr-14253	701	29	the	the	DET
cblr-14253	701	30	prohibition	prohibition	NOUN
cblr-14253	701	31	against	against	ADP
cblr-14253	701	32	udaaps	udaap	NOUN
cblr-14253	701	33	.	.	PUNCT
cblr-14253	702	1	”133	”133	VERB
cblr-14253	702	2	130	130	NUM
cblr-14253	703	1	i	i	PRON
cblr-14253	703	2	d.	d.	PROPN
cblr-14253	703	3	at	at	ADP
cblr-14253	703	4	⁋	⁋	PROPN
cblr-14253	703	5	51	51	NUM
cblr-14253	703	6	(	(	PUNCT
cblr-14253	703	7	“	"	PUNCT
cblr-14253	703	8	the	the	PRON
cblr-14253	703	9	.	.	PUNCT
cblr-14253	703	10	.	.	PUNCT
cblr-14253	703	11	.	.	PUNCT
cblr-14253	704	1	credit	credit	NOUN
cblr-14253	704	2	contracts	contract	NOUN
cblr-14253	704	3	contained	contain	VERB
cblr-14253	704	4	a	a	DET
cblr-14253	704	5	non	non	ADJ
cblr-14253	704	6	-	-	ADJ
cblr-14253	704	7	negotiable	negotiable	ADJ
cblr-14253	704	8	,	,	PUNCT
cblr-14253	704	9	venue	venue	NOUN
cblr-14253	704	10	-	-	PUNCT
cblr-14253	704	11	selection	selection	NOUN
cblr-14253	704	12	clause	clause	NOUN
cblr-14253	704	13	that	that	PRON
cblr-14253	704	14	designated	designate	VERB
cblr-14253	704	15	the	the	DET
cblr-14253	704	16	state	state	NOUN
cblr-14253	704	17	or	or	CCONJ
cblr-14253	704	18	federal	federal	ADJ
cblr-14253	704	19	courts	court	NOUN
cblr-14253	704	20	of	of	ADP
cblr-14253	704	21	virginia	virginia	PROPN
cblr-14253	704	22	.	.	PUNCT
cblr-14253	704	23	”	"	PUNCT
cblr-14253	704	24	)	)	PUNCT
cblr-14253	704	25	.	.	PUNCT
cblr-14253	705	1	131	131	NUM
cblr-14253	705	2	cfpb	cfpb	NOUN
cblr-14253	705	3	policy	policy	NOUN
cblr-14253	705	4	statement	statement	NOUN
cblr-14253	705	5	,	,	PUNCT
cblr-14253	705	6	supra	supra	PROPN
cblr-14253	705	7	note	note	PROPN
cblr-14253	705	8	104	104	NUM
cblr-14253	705	9	,	,	PUNCT
cblr-14253	705	10	at	at	ADP
cblr-14253	705	11	21890	21890	NUM
cblr-14253	705	12	n.76	n.76	X
cblr-14253	705	13	(	(	PUNCT
cblr-14253	705	14	citing	cite	VERB
cblr-14253	705	15	to	to	ADP
cblr-14253	705	16	u.s	u.s	PROPN
cblr-14253	705	17	.	.	PROPN
cblr-14253	705	18	dep’t	dep’t	PROPN
cblr-14253	705	19	of	of	ADP
cblr-14253	705	20	treasury	treasury	PROPN
cblr-14253	705	21	,	,	PUNCT
cblr-14253	705	22	financial	financial	ADJ
cblr-14253	705	23	regulatory	regulatory	ADJ
cblr-14253	705	24	reform	reform	NOUN
cblr-14253	705	25	68	68	NUM
cblr-14253	705	26	(	(	PUNCT
cblr-14253	705	27	2009	2009	NUM
cblr-14253	705	28	)	)	PUNCT
cblr-14253	705	29	,	,	PUNCT
cblr-14253	705	30	https://fraser.stlouisfed.org/title/financial-regulatory-reform-5123	https://fraser.stlouisfed.org/title/financial-regulatory-reform-5123	NOUN
cblr-14253	706	1	[	[	X
cblr-14253	706	2	https://perma.cc/9jrv-uynn	https://perma.cc/9jrv-uynn	PROPN
cblr-14253	706	3	]	]	X
cblr-14253	706	4	)	)	PUNCT
cblr-14253	706	5	(	(	PUNCT
cblr-14253	706	6	emphasis	emphasis	NOUN
cblr-14253	706	7	added	add	VERB
cblr-14253	706	8	)	)	PUNCT
cblr-14253	706	9	.	.	PUNCT
cblr-14253	707	1	132	132	NUM
cblr-14253	708	1	i	i	PRON
cblr-14253	708	2	d.	d.	PROPN
cblr-14253	708	3	133	133	NUM
cblr-14253	708	4	consumer	consumer	NOUN
cblr-14253	708	5	fin	fin	NOUN
cblr-14253	708	6	.	.	PUNCT
cblr-14253	708	7	prot	prot	PROPN
cblr-14253	708	8	.	.	PUNCT
cblr-14253	709	1	bureau	bureau	NOUN
cblr-14253	709	2	,	,	PUNCT
cblr-14253	709	3	unfair	unfair	ADJ
cblr-14253	709	4	,	,	PUNCT
cblr-14253	709	5	deceptive	deceptive	ADJ
cblr-14253	709	6	,	,	PUNCT
cblr-14253	709	7	or	or	CCONJ
cblr-14253	709	8	abusive	abusive	ADJ
cblr-14253	709	9	acts	act	NOUN
cblr-14253	709	10	or	or	CCONJ
cblr-14253	709	11	practices	practice	NOUN
cblr-14253	709	12	(	(	PUNCT
cblr-14253	709	13	udaaps	udaap	NOUN
cblr-14253	709	14	)	)	PUNCT
cblr-14253	709	15	examination	examination	NOUN
cblr-14253	709	16	procedures	procedure	NOUN
cblr-14253	709	17	10	10	NUM
cblr-14253	709	18	(	(	PUNCT
cblr-14253	709	19	oct	oct	PROPN
cblr-14253	709	20	.	.	PROPN
cblr-14253	709	21	2012	2012	NUM
cblr-14253	709	22	)	)	PUNCT
cblr-14253	709	23	,	,	PUNCT
cblr-14253	709	24	https://files.consumerfinance.gov/f/documents/cfpb_unfair-deceptiveabusive-acts-practices-udaaps_procedures.pdf	https://files.consumerfinance.gov/f/documents/cfpb_unfair-deceptiveabusive-acts-practices-udaaps_procedures.pdf	NOUN
cblr-14253	710	1	[	[	X
cblr-14253	710	2	https://perma.cc/qsl56hm3	https://perma.cc/qsl56hm3	NOUN
cblr-14253	710	3	]	]	X
cblr-14253	710	4	;	;	PUNCT
cblr-14253	710	5	see	see	AUX
cblr-14253	710	6	also	also	ADV
cblr-14253	710	7	fed	feed	VERB
cblr-14253	710	8	.	.	PUNCT
cblr-14253	711	1	deposit	deposit	PROPN
cblr-14253	711	2	ins	ins	PROPN
cblr-14253	711	3	.	.	PUNCT
cblr-14253	711	4	corp	corp	PROPN
cblr-14253	711	5	.	.	PROPN
cblr-14253	711	6	,	,	PUNCT
cblr-14253	711	7	consumer	consumer	NOUN
cblr-14253	711	8	compliance	compliance	NOUN
cblr-14253	711	9	examination	examination	NOUN
cblr-14253	711	10	manual	manual	NOUN
cblr-14253	711	11	vii-1.6	vii-1.6	PROPN
cblr-14253	711	12	(	(	PUNCT
cblr-14253	711	13	dec	dec	PROPN
cblr-14253	711	14	.	.	PROPN
cblr-14253	711	15	2024	2024	NUM
cblr-14253	711	16	)	)	PUNCT
cblr-14253	711	17	,	,	PUNCT
cblr-14253	711	18	https://www.fdic.gov/resources/supervision-and-examinations/consumercompliance-examination-manual/documents/7/vii-1-1.pdf	https://www.fdic.gov/resources/supervision-and-examinations/consumercompliance-examination-manual/documents/7/vii-1-1.pdf	PUNCT
cblr-14253	711	19	no	no	INTJ
cblr-14253	711	20	.	.	NOUN
cblr-14253	711	21	1	1	NUM
cblr-14253	711	22	]	]	PUNCT
cblr-14253	711	23	corrupt	corrupt	ADJ
cblr-14253	711	24	joint	joint	ADJ
cblr-14253	711	25	ventures	venture	NOUN
cblr-14253	711	26	431	431	NUM
cblr-14253	711	27	and	and	CCONJ
cblr-14253	711	28	in	in	ADP
cblr-14253	711	29	its	its	PRON
cblr-14253	711	30	2022	2022	NUM
cblr-14253	711	31	circular	circular	ADJ
cblr-14253	711	32	on	on	ADP
cblr-14253	711	33	overdraft	overdraft	NOUN
cblr-14253	711	34	fees	fee	NOUN
cblr-14253	711	35	,	,	PUNCT
cblr-14253	711	36	the	the	DET
cblr-14253	711	37	bureau	bureau	NOUN
cblr-14253	711	38	asked	ask	VERB
cblr-14253	711	39	,	,	PUNCT
cblr-14253	711	40	and	and	CCONJ
cblr-14253	711	41	answered	answer	VERB
cblr-14253	711	42	in	in	ADP
cblr-14253	711	43	the	the	DET
cblr-14253	711	44	affirmative	affirmative	ADJ
cblr-14253	711	45	,	,	PUNCT
cblr-14253	711	46	this	this	DET
cblr-14253	711	47	question	question	NOUN
cblr-14253	711	48	:	:	PUNCT
cblr-14253	711	49	“	"	PUNCT
cblr-14253	711	50	can	can	AUX
cblr-14253	711	51	the	the	DET
cblr-14253	711	52	assessment	assessment	NOUN
cblr-14253	711	53	of	of	ADP
cblr-14253	711	54	overdraft	overdraft	NOUN
cblr-14253	711	55	fees	fee	NOUN
cblr-14253	711	56	constitute	constitute	VERB
cblr-14253	711	57	an	an	DET
cblr-14253	711	58	unfair	unfair	ADJ
cblr-14253	711	59	act	act	NOUN
cblr-14253	711	60	or	or	CCONJ
cblr-14253	711	61	practice	practice	NOUN
cblr-14253	711	62	under	under	ADP
cblr-14253	711	63	the	the	DET
cblr-14253	711	64	consumer	consumer	NOUN
cblr-14253	711	65	financial	financial	PROPN
cblr-14253	711	66	protection	protection	PROPN
cblr-14253	711	67	act	act	PROPN
cblr-14253	711	68	(	(	PUNCT
cblr-14253	711	69	cfpa	cfpa	NOUN
cblr-14253	711	70	)	)	PUNCT
cblr-14253	711	71	,	,	PUNCT
cblr-14253	711	72	even	even	ADV
cblr-14253	711	73	if	if	SCONJ
cblr-14253	711	74	the	the	DET
cblr-14253	711	75	entity	entity	NOUN
cblr-14253	711	76	complies	comply	VERB
cblr-14253	711	77	with	with	ADP
cblr-14253	711	78	the	the	DET
cblr-14253	711	79	truth	truth	NOUN
cblr-14253	711	80	in	in	ADP
cblr-14253	711	81	lending	lending	NOUN
cblr-14253	711	82	act	act	PROPN
cblr-14253	711	83	(	(	PUNCT
cblr-14253	711	84	tila	tila	NOUN
cblr-14253	711	85	)	)	PUNCT
cblr-14253	711	86	and	and	CCONJ
cblr-14253	711	87	regulation	regulation	NOUN
cblr-14253	711	88	z	z	NOUN
cblr-14253	711	89	,	,	PUNCT
cblr-14253	711	90	and	and	CCONJ
cblr-14253	711	91	the	the	DET
cblr-14253	711	92	electronic	electronic	ADJ
cblr-14253	711	93	fund	fund	NOUN
cblr-14253	711	94	transfer	transfer	NOUN
cblr-14253	711	95	act	act	NOUN
cblr-14253	711	96	(	(	PUNCT
cblr-14253	711	97	efta	efta	NOUN
cblr-14253	711	98	)	)	PUNCT
cblr-14253	711	99	and	and	CCONJ
cblr-14253	711	100	regulation	regulation	NOUN
cblr-14253	711	101	e?”134	e?”134	ADJ
cblr-14253	711	102	similarly	similarly	ADV
cblr-14253	711	103	,	,	PUNCT
cblr-14253	711	104	realestate	realestate	NOUN
cblr-14253	711	105	agents	agent	NOUN
cblr-14253	711	106	might	might	AUX
cblr-14253	711	107	be	be	AUX
cblr-14253	711	108	able	able	ADJ
cblr-14253	711	109	to	to	PART
cblr-14253	711	110	form	form	VERB
cblr-14253	711	111	affiliated	affiliate	VERB
cblr-14253	711	112	-	-	PUNCT
cblr-14253	711	113	business	business	NOUN
cblr-14253	711	114	arrangements	arrangement	NOUN
cblr-14253	711	115	that	that	PRON
cblr-14253	711	116	insulate	insulate	VERB
cblr-14253	711	117	them	they	PRON
cblr-14253	711	118	from	from	ADP
cblr-14253	711	119	liability	liability	NOUN
cblr-14253	711	120	under	under	ADP
cblr-14253	711	121	respa	respa	NOUN
cblr-14253	711	122	but	but	CCONJ
cblr-14253	711	123	still	still	ADV
cblr-14253	711	124	violate	violate	VERB
cblr-14253	711	125	the	the	DET
cblr-14253	711	126	cfpa	cfpa	NOUN
cblr-14253	711	127	’s	’s	PART
cblr-14253	711	128	prohibition	prohibition	NOUN
cblr-14253	711	129	on	on	ADP
cblr-14253	711	130	abusive	abusive	ADJ
cblr-14253	711	131	conduct	conduct	NOUN
cblr-14253	711	132	.	.	PUNCT
cblr-14253	712	1	proponents	proponent	NOUN
cblr-14253	712	2	of	of	ADP
cblr-14253	712	3	joint	joint	ADJ
cblr-14253	712	4	ventures	venture	NOUN
cblr-14253	712	5	might	might	AUX
cblr-14253	712	6	argue	argue	VERB
cblr-14253	712	7	that	that	SCONJ
cblr-14253	712	8	joint	joint	ADJ
cblr-14253	712	9	ventures	venture	NOUN
cblr-14253	712	10	owned	own	VERB
cblr-14253	712	11	by	by	ADP
cblr-14253	712	12	a	a	DET
cblr-14253	712	13	real	real	ADJ
cblr-14253	712	14	-	-	PUNCT
cblr-14253	712	15	estate	estate	NOUN
cblr-14253	712	16	brokerage	brokerage	NOUN
cblr-14253	712	17	is	be	AUX
cblr-14253	712	18	distinguishable	distinguishable	ADJ
cblr-14253	712	19	from	from	ADP
cblr-14253	712	20	joint	joint	ADJ
cblr-14253	712	21	ventures	venture	NOUN
cblr-14253	712	22	owned	own	VERB
cblr-14253	712	23	by	by	ADP
cblr-14253	712	24	individual	individual	ADJ
cblr-14253	712	25	agents	agent	NOUN
cblr-14253	712	26	.	.	PUNCT
cblr-14253	713	1	this	this	DET
cblr-14253	713	2	argument	argument	NOUN
cblr-14253	713	3	is	be	AUX
cblr-14253	713	4	problematic	problematic	ADJ
cblr-14253	713	5	insofar	insofar	ADV
cblr-14253	713	6	as	as	SCONJ
cblr-14253	713	7	the	the	DET
cblr-14253	713	8	brokerage	brokerage	NOUN
cblr-14253	713	9	creates	create	VERB
cblr-14253	713	10	informal	informal	ADJ
cblr-14253	713	11	pressure	pressure	NOUN
cblr-14253	713	12	or	or	CCONJ
cblr-14253	713	13	financial	financial	ADJ
cblr-14253	713	14	incentives	incentive	NOUN
cblr-14253	713	15	for	for	SCONJ
cblr-14253	713	16	agents	agent	NOUN
cblr-14253	713	17	to	to	PART
cblr-14253	713	18	use	use	VERB
cblr-14253	713	19	a	a	DET
cblr-14253	713	20	preferred	preferred	ADJ
cblr-14253	713	21	settlement	settlement	NOUN
cblr-14253	713	22	-	-	PUNCT
cblr-14253	713	23	services	service	NOUN
cblr-14253	713	24	business	business	NOUN
cblr-14253	713	25	.	.	PUNCT
cblr-14253	714	1	for	for	ADP
cblr-14253	714	2	example	example	NOUN
cblr-14253	714	3	,	,	PUNCT
cblr-14253	714	4	suppose	suppose	VERB
cblr-14253	714	5	a	a	DET
cblr-14253	714	6	brokerage	brokerage	NOUN
cblr-14253	714	7	provides	provide	VERB
cblr-14253	714	8	its	its	PRON
cblr-14253	714	9	agents	agent	NOUN
cblr-14253	714	10	with	with	ADP
cblr-14253	714	11	an	an	DET
cblr-14253	714	12	end	end	NOUN
cblr-14253	714	13	-	-	PUNCT
cblr-14253	714	14	of	of	ADP
cblr-14253	714	15	-	-	PUNCT
cblr-14253	714	16	the	the	DET
cblr-14253	714	17	-	-	PUNCT
cblr-14253	714	18	year	year	NOUN
cblr-14253	714	19	bonus	bonus	NOUN
cblr-14253	714	20	based	base	VERB
cblr-14253	714	21	in	in	ADP
cblr-14253	714	22	whole	whole	ADJ
cblr-14253	714	23	or	or	CCONJ
cblr-14253	714	24	in	in	ADP
cblr-14253	714	25	part	part	NOUN
cblr-14253	714	26	on	on	ADP
cblr-14253	714	27	steering	steer	VERB
cblr-14253	714	28	clients	client	NOUN
cblr-14253	714	29	to	to	ADP
cblr-14253	714	30	the	the	DET
cblr-14253	714	31	brokerage	brokerage	NOUN
cblr-14253	714	32	’s	’s	PART
cblr-14253	714	33	co	co	VERB
cblr-14253	714	34	-	-	ADJ
cblr-14253	714	35	owned	own	VERB
cblr-14253	714	36	title	title	NOUN
cblr-14253	714	37	company	company	NOUN
cblr-14253	714	38	or	or	CCONJ
cblr-14253	714	39	mortgage	mortgage	NOUN
cblr-14253	714	40	lender	lender	NOUN
cblr-14253	714	41	.	.	PUNCT
cblr-14253	715	1	these	these	DET
cblr-14253	715	2	agents	agent	NOUN
cblr-14253	715	3	may	may	AUX
cblr-14253	715	4	still	still	ADV
cblr-14253	715	5	lack	lack	VERB
cblr-14253	715	6	the	the	DET
cblr-14253	715	7	disinterestedness	disinterestedness	NOUN
cblr-14253	715	8	of	of	ADP
cblr-14253	715	9	a	a	DET
cblr-14253	715	10	fiduciary	fiduciary	NOUN
cblr-14253	715	11	because	because	SCONJ
cblr-14253	715	12	the	the	DET
cblr-14253	715	13	agent	agent	NOUN
cblr-14253	715	14	is	be	AUX
cblr-14253	715	15	selecting	select	VERB
cblr-14253	715	16	the	the	DET
cblr-14253	715	17	settlement	settlement	NOUN
cblr-14253	715	18	-	-	PUNCT
cblr-14253	715	19	services	service	NOUN
cblr-14253	715	20	provider	provider	NOUN
cblr-14253	715	21	for	for	ADP
cblr-14253	715	22	their	their	PRON
cblr-14253	715	23	own	own	ADJ
cblr-14253	715	24	benefit	benefit	NOUN
cblr-14253	715	25	rather	rather	ADV
cblr-14253	715	26	than	than	ADP
cblr-14253	715	27	their	their	PRON
cblr-14253	715	28	customer	customer	NOUN
cblr-14253	715	29	’s	’s	NOUN
cblr-14253	715	30	.	.	PUNCT
cblr-14253	716	1	when	when	SCONJ
cblr-14253	716	2	a	a	DET
cblr-14253	716	3	real	real	ADJ
cblr-14253	716	4	-	-	PUNCT
cblr-14253	716	5	estate	estate	NOUN
cblr-14253	716	6	agent	agent	NOUN
cblr-14253	716	7	is	be	AUX
cblr-14253	716	8	an	an	DET
cblr-14253	716	9	employee	employee	NOUN
cblr-14253	716	10	or	or	CCONJ
cblr-14253	716	11	independent	independent	ADJ
cblr-14253	716	12	contractor	contractor	NOUN
cblr-14253	716	13	of	of	ADP
cblr-14253	716	14	an	an	DET
cblr-14253	716	15	owner	owner	NOUN
cblr-14253	716	16	of	of	ADP
cblr-14253	716	17	a	a	DET
cblr-14253	716	18	title	title	NOUN
cblr-14253	716	19	or	or	CCONJ
cblr-14253	716	20	escrow	escrow	NOUN
cblr-14253	716	21	company	company	NOUN
cblr-14253	716	22	,	,	PUNCT
cblr-14253	716	23	then	then	ADV
cblr-14253	716	24	the	the	DET
cblr-14253	716	25	agent	agent	NOUN
cblr-14253	716	26	may	may	AUX
cblr-14253	716	27	take	take	VERB
cblr-14253	716	28	unreasonable	unreasonable	ADJ
cblr-14253	716	29	advantage	advantage	NOUN
cblr-14253	716	30	of	of	ADP
cblr-14253	716	31	the	the	DET
cblr-14253	716	32	consumer	consumer	NOUN
cblr-14253	716	33	if	if	SCONJ
cblr-14253	716	34	they	they	PRON
cblr-14253	716	35	are	be	AUX
cblr-14253	716	36	not	not	PART
cblr-14253	716	37	a	a	DET
cblr-14253	716	38	truly	truly	ADV
cblr-14253	716	39	disinterested	disinterested	ADJ
cblr-14253	716	40	third	third	ADJ
cblr-14253	716	41	-	-	PUNCT
cblr-14253	716	42	party	party	NOUN
cblr-14253	716	43	neutral	neutral	NOUN
cblr-14253	716	44	.	.	PUNCT
cblr-14253	717	1	v.	v.	ADP
cblr-14253	717	2	compliance	compliance	NOUN
cblr-14253	717	3	principles	principle	NOUN
cblr-14253	717	4	in	in	ADP
cblr-14253	717	5	settlement	settlement	NOUN
cblr-14253	717	6	joint	joint	ADJ
cblr-14253	717	7	ventures	venture	NOUN
cblr-14253	718	1	[	[	X
cblr-14253	718	2	https://perma.cc/fd5q-3p67	https://perma.cc/fd5q-3p67	X
cblr-14253	718	3	]	]	PUNCT
cblr-14253	718	4	(	(	PUNCT
cblr-14253	718	5	declaring	declare	VERB
cblr-14253	718	6	that	that	SCONJ
cblr-14253	718	7	“	"	PUNCT
cblr-14253	718	8	certain	certain	ADJ
cblr-14253	718	9	practices	practice	NOUN
cblr-14253	718	10	may	may	AUX
cblr-14253	718	11	violate	violate	VERB
cblr-14253	718	12	the	the	DET
cblr-14253	718	13	[	[	X
cblr-14253	718	14	cfpa	cfpa	NOUN
cblr-14253	718	15	]	]	PUNCT
cblr-14253	718	16	while	while	SCONJ
cblr-14253	718	17	complying	comply	VERB
cblr-14253	718	18	with	with	ADP
cblr-14253	718	19	the	the	DET
cblr-14253	718	20	technical	technical	ADJ
cblr-14253	718	21	requirements	requirement	NOUN
cblr-14253	718	22	of	of	ADP
cblr-14253	718	23	other	other	ADJ
cblr-14253	718	24	consumer	consumer	NOUN
cblr-14253	718	25	protection	protection	NOUN
cblr-14253	718	26	laws	law	NOUN
cblr-14253	718	27	”	"	PUNCT
cblr-14253	718	28	)	)	PUNCT
cblr-14253	718	29	.	.	PUNCT
cblr-14253	719	1	134	134	NUM
cblr-14253	719	2	consumer	consumer	NOUN
cblr-14253	719	3	fin	fin	NOUN
cblr-14253	719	4	.	.	PUNCT
cblr-14253	720	1	prot	prot	PROPN
cblr-14253	720	2	.	.	PUNCT
cblr-14253	721	1	bureau	bureau	NOUN
cblr-14253	721	2	,	,	PUNCT
cblr-14253	721	3	consumer	consumer	NOUN
cblr-14253	721	4	financial	financial	ADJ
cblr-14253	721	5	protection	protection	NOUN
cblr-14253	721	6	circular	circular	ADJ
cblr-14253	721	7	2022	2022	NUM
cblr-14253	721	8	-	-	SYM
cblr-14253	721	9	06	06	NUM
cblr-14253	721	10	:	:	PUNCT
cblr-14253	721	11	unanticipated	unanticipated	ADJ
cblr-14253	721	12	overdraft	overdraft	NOUN
cblr-14253	721	13	fee	fee	NOUN
cblr-14253	721	14	assessment	assessment	NOUN
cblr-14253	721	15	practice	practice	NOUN
cblr-14253	721	16	1	1	NUM
cblr-14253	721	17	(	(	PUNCT
cblr-14253	721	18	oct	oct	PROPN
cblr-14253	721	19	.	.	PROPN
cblr-14253	721	20	26	26	NUM
cblr-14253	721	21	,	,	PUNCT
cblr-14253	721	22	2022	2022	NUM
cblr-14253	721	23	)	)	PUNCT
cblr-14253	721	24	,	,	PUNCT
cblr-14253	721	25	https://files.consumerfinance.gov/f/documents/cfpb_unanticipatedoverdraft-fee-assessment-practices_circular_2022-10.pdf	https://files.consumerfinance.gov/f/documents/cfpb_unanticipatedoverdraft-fee-assessment-practices_circular_2022-10.pdf	VERB
cblr-14253	722	1	[	[	X
cblr-14253	722	2	https://perma.cc/jkh6-f8uf	https://perma.cc/jkh6-f8uf	NOUN
cblr-14253	722	3	]	]	PUNCT
cblr-14253	722	4	.	.	PUNCT
cblr-14253	723	1	432	432	NUM
cblr-14253	723	2	columbia	columbia	PROPN
cblr-14253	723	3	business	business	NOUN
cblr-14253	723	4	law	law	PROPN
cblr-14253	723	5	review	review	NOUN
cblr-14253	723	6	[	[	X
cblr-14253	723	7	vol	vol	NOUN
cblr-14253	723	8	.	.	PUNCT
cblr-14253	723	9	2025	2025	NUM
cblr-14253	723	10	in	in	ADP
cblr-14253	723	11	this	this	DET
cblr-14253	723	12	part	part	NOUN
cblr-14253	723	13	,	,	PUNCT
cblr-14253	723	14	we	we	PRON
cblr-14253	723	15	offer	offer	VERB
cblr-14253	723	16	principles	principle	NOUN
cblr-14253	723	17	to	to	PART
cblr-14253	723	18	assist	assist	VERB
cblr-14253	723	19	courts	court	NOUN
cblr-14253	723	20	,	,	PUNCT
cblr-14253	723	21	regulators	regulator	NOUN
cblr-14253	723	22	,	,	PUNCT
cblr-14253	723	23	and	and	CCONJ
cblr-14253	723	24	industry	industry	NOUN
cblr-14253	723	25	counsel	counsel	NOUN
cblr-14253	723	26	to	to	PART
cblr-14253	723	27	decide	decide	VERB
cblr-14253	723	28	when	when	SCONJ
cblr-14253	723	29	real	real	ADJ
cblr-14253	723	30	-	-	PUNCT
cblr-14253	723	31	estate	estate	NOUN
cblr-14253	723	32	-	-	PUNCT
cblr-14253	723	33	settlement	settlement	NOUN
cblr-14253	723	34	joint	joint	ADJ
cblr-14253	723	35	ventures	venture	NOUN
cblr-14253	723	36	are	be	AUX
cblr-14253	723	37	lawful	lawful	ADJ
cblr-14253	723	38	with	with	ADP
cblr-14253	723	39	respect	respect	NOUN
cblr-14253	723	40	to	to	ADP
cblr-14253	723	41	concerns	concern	NOUN
cblr-14253	723	42	addressed	address	VERB
cblr-14253	723	43	in	in	ADP
cblr-14253	723	44	parts	part	NOUN
cblr-14253	723	45	iii	iii	PROPN
cblr-14253	723	46	and	and	CCONJ
cblr-14253	723	47	iv	iv	X
cblr-14253	723	48	.	.	PUNCT
cblr-14253	724	1	specifically	specifically	ADV
cblr-14253	724	2	,	,	PUNCT
cblr-14253	724	3	how	how	SCONJ
cblr-14253	724	4	can	can	AUX
cblr-14253	724	5	real	real	ADJ
cblr-14253	724	6	-	-	PUNCT
cblr-14253	724	7	estate	estate	NOUN
cblr-14253	724	8	professionals	professional	NOUN
cblr-14253	724	9	contemplating	contemplate	VERB
cblr-14253	724	10	the	the	DET
cblr-14253	724	11	creation	creation	NOUN
cblr-14253	724	12	of	of	ADP
cblr-14253	724	13	an	an	DET
cblr-14253	724	14	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	724	15	arrangement	arrangement	NOUN
cblr-14253	724	16	ensure	ensure	VERB
cblr-14253	724	17	that	that	SCONJ
cblr-14253	724	18	they	they	PRON
cblr-14253	724	19	form	form	VERB
cblr-14253	724	20	and	and	CCONJ
cblr-14253	724	21	operate	operate	VERB
cblr-14253	724	22	a	a	DET
cblr-14253	724	23	compliant	compliant	ADJ
cblr-14253	724	24	business	business	NOUN
cblr-14253	724	25	?	?	PUNCT
cblr-14253	725	1	subpart	subpart	NOUN
cblr-14253	725	2	a	a	DET
cblr-14253	725	3	discusses	discusse	NOUN
cblr-14253	725	4	respa	respa	PROPN
cblr-14253	725	5	compliance	compliance	NOUN
cblr-14253	725	6	and	and	CCONJ
cblr-14253	725	7	subpart	subpart	PROPN
cblr-14253	725	8	b	b	PROPN
cblr-14253	725	9	discusses	discuss	VERB
cblr-14253	725	10	compliance	compliance	NOUN
cblr-14253	725	11	under	under	ADP
cblr-14253	725	12	the	the	DET
cblr-14253	725	13	dodd	dodd	PROPN
cblr-14253	725	14	-	-	PUNCT
cblr-14253	725	15	frank	frank	PROPN
cblr-14253	725	16	act	act	PROPN
cblr-14253	725	17	’s	’s	PART
cblr-14253	725	18	abusive	abusive	ADJ
cblr-14253	725	19	-	-	PUNCT
cblr-14253	725	20	practices	practice	NOUN
cblr-14253	725	21	standard	standard	NOUN
cblr-14253	725	22	.	.	PUNCT
cblr-14253	726	1	a.	a.	PROPN
cblr-14253	726	2	un	un	PROPN
cblr-14253	726	3	-	-	ADJ
cblr-14253	726	4	discounted	discount	VERB
cblr-14253	726	5	ownership	ownership	NOUN
cblr-14253	726	6	:	:	PUNCT
cblr-14253	726	7	toward	toward	ADP
cblr-14253	726	8	a	a	DET
cblr-14253	726	9	fair	fair	ADJ
cblr-14253	726	10	-	-	PUNCT
cblr-14253	726	11	marketprice	marketprice	NOUN
cblr-14253	726	12	principle	principle	NOUN
cblr-14253	726	13	in	in	ADP
cblr-14253	726	14	affiliated	affiliate	VERB
cblr-14253	726	15	-	-	PUNCT
cblr-14253	726	16	business	business	NOUN
cblr-14253	726	17	-	-	PUNCT
cblr-14253	726	18	arrangement	arrangement	NOUN
cblr-14253	726	19	formation	formation	NOUN
cblr-14253	726	20	our	our	PRON
cblr-14253	726	21	central	central	ADJ
cblr-14253	726	22	insight	insight	NOUN
cblr-14253	726	23	in	in	ADP
cblr-14253	726	24	part	part	NOUN
cblr-14253	726	25	iii	iii	NUM
cblr-14253	726	26	is	be	AUX
cblr-14253	726	27	that	that	SCONJ
cblr-14253	726	28	a	a	DET
cblr-14253	726	29	respa	respa	NOUN
cblr-14253	726	30	-	-	PUNCT
cblr-14253	726	31	compliant	compliant	ADJ
cblr-14253	726	32	affiliated	affiliate	VERB
cblr-14253	726	33	-	-	PUNCT
cblr-14253	726	34	business	business	NOUN
cblr-14253	726	35	arrangement	arrangement	NOUN
cblr-14253	726	36	can	can	AUX
cblr-14253	726	37	not	not	PART
cblr-14253	726	38	be	be	AUX
cblr-14253	726	39	formed	form	VERB
cblr-14253	726	40	by	by	ADP
cblr-14253	726	41	providing	provide	VERB
cblr-14253	726	42	a	a	DET
cblr-14253	726	43	discounted	discount	VERB
cblr-14253	726	44	opportunity	opportunity	NOUN
cblr-14253	726	45	to	to	PART
cblr-14253	726	46	invest	invest	VERB
cblr-14253	726	47	to	to	ADP
cblr-14253	726	48	a	a	DET
cblr-14253	726	49	referring	refer	VERB
cblr-14253	726	50	coowner.135	coowner.135	NOUN
cblr-14253	726	51	for	for	ADP
cblr-14253	726	52	example	example	NOUN
cblr-14253	726	53	,	,	PUNCT
cblr-14253	726	54	an	an	DET
cblr-14253	726	55	established	establish	VERB
cblr-14253	726	56	title	title	NOUN
cblr-14253	726	57	company	company	NOUN
cblr-14253	726	58	can	can	AUX
cblr-14253	726	59	not	not	PART
cblr-14253	726	60	legally	legally	ADV
cblr-14253	726	61	attract	attract	VERB
cblr-14253	726	62	business	business	NOUN
cblr-14253	726	63	by	by	ADP
cblr-14253	726	64	offering	offer	VERB
cblr-14253	726	65	discounted	discount	VERB
cblr-14253	726	66	shares	share	NOUN
cblr-14253	726	67	in	in	ADP
cblr-14253	726	68	a	a	DET
cblr-14253	726	69	new	new	ADJ
cblr-14253	726	70	joint	joint	ADJ
cblr-14253	726	71	venture	venture	NOUN
cblr-14253	726	72	to	to	ADP
cblr-14253	726	73	a	a	DET
cblr-14253	726	74	real	real	ADJ
cblr-14253	726	75	-	-	PUNCT
cblr-14253	726	76	estate	estate	NOUN
cblr-14253	726	77	agent	agent	NOUN
cblr-14253	726	78	,	,	PUNCT
cblr-14253	726	79	because	because	SCONJ
cblr-14253	726	80	the	the	DET
cblr-14253	726	81	discount	discount	NOUN
cblr-14253	726	82	itself	itself	PRON
cblr-14253	726	83	is	be	AUX
cblr-14253	726	84	an	an	DET
cblr-14253	726	85	impermissible	impermissible	ADJ
cblr-14253	726	86	thing	thing	NOUN
cblr-14253	726	87	of	of	ADP
cblr-14253	726	88	value	value	NOUN
cblr-14253	726	89	given	give	VERB
cblr-14253	726	90	in	in	ADP
cblr-14253	726	91	exchange	exchange	NOUN
cblr-14253	726	92	for	for	ADP
cblr-14253	726	93	future	future	ADJ
cblr-14253	726	94	referrals	referral	NOUN
cblr-14253	726	95	.	.	PUNCT
cblr-14253	727	1	but	but	CCONJ
cblr-14253	727	2	if	if	SCONJ
cblr-14253	727	3	congress	congress	PROPN
cblr-14253	727	4	’s	’s	PART
cblr-14253	727	5	affiliated	affiliate	VERB
cblr-14253	727	6	-	-	PUNCT
cblr-14253	727	7	business	business	NOUN
cblr-14253	727	8	-	-	PUNCT
cblr-14253	727	9	arrangement	arrangement	NOUN
cblr-14253	727	10	exception	exception	NOUN
cblr-14253	727	11	has	have	VERB
cblr-14253	727	12	meaning	mean	VERB
cblr-14253	727	13	,	,	PUNCT
cblr-14253	727	14	there	there	PRON
cblr-14253	727	15	must	must	AUX
cblr-14253	727	16	be	be	AUX
cblr-14253	727	17	a	a	DET
cblr-14253	727	18	price	price	NOUN
cblr-14253	727	19	point	point	NOUN
cblr-14253	727	20	at	at	ADP
cblr-14253	727	21	which	which	PRON
cblr-14253	727	22	a	a	DET
cblr-14253	727	23	referring	refer	VERB
cblr-14253	727	24	investor	investor	NOUN
cblr-14253	727	25	can	can	AUX
cblr-14253	727	26	legally	legally	ADV
cblr-14253	727	27	acquire	acquire	VERB
cblr-14253	727	28	shares	share	NOUN
cblr-14253	727	29	in	in	ADP
cblr-14253	727	30	a	a	DET
cblr-14253	727	31	compliant	compliant	ADJ
cblr-14253	727	32	joint	joint	ADJ
cblr-14253	727	33	venture	venture	NOUN
cblr-14253	727	34	.	.	PUNCT
cblr-14253	728	1	how	how	SCONJ
cblr-14253	728	2	can	can	AUX
cblr-14253	728	3	courts	court	NOUN
cblr-14253	728	4	,	,	PUNCT
cblr-14253	728	5	regulators	regulator	NOUN
cblr-14253	728	6	,	,	PUNCT
cblr-14253	728	7	and	and	CCONJ
cblr-14253	728	8	businesses	business	NOUN
cblr-14253	728	9	know	know	VERB
cblr-14253	728	10	whether	whether	SCONJ
cblr-14253	728	11	the	the	DET
cblr-14253	728	12	price	price	NOUN
cblr-14253	728	13	of	of	ADP
cblr-14253	728	14	equity	equity	NOUN
cblr-14253	728	15	in	in	ADP
cblr-14253	728	16	a	a	DET
cblr-14253	728	17	joint	joint	ADJ
cblr-14253	728	18	venture	venture	NOUN
cblr-14253	728	19	is	be	AUX
cblr-14253	728	20	illegally	illegally	ADV
cblr-14253	728	21	discounted	discount	VERB
cblr-14253	728	22	?	?	PUNCT
cblr-14253	729	1	in	in	ADP
cblr-14253	729	2	similar	similar	ADJ
cblr-14253	729	3	examples	example	NOUN
cblr-14253	729	4	of	of	ADP
cblr-14253	729	5	the	the	DET
cblr-14253	729	6	use	use	NOUN
cblr-14253	729	7	of	of	ADP
cblr-14253	729	8	illusory	illusory	ADJ
cblr-14253	729	9	services	service	NOUN
cblr-14253	729	10	or	or	CCONJ
cblr-14253	729	11	payments	payment	NOUN
cblr-14253	729	12	to	to	PART
cblr-14253	729	13	circumvent	circumvent	VERB
cblr-14253	729	14	respa	respa	NOUN
cblr-14253	729	15	,	,	PUNCT
cblr-14253	729	16	first	first	PROPN
cblr-14253	729	17	hud	hud	PROPN
cblr-14253	729	18	and	and	CCONJ
cblr-14253	729	19	more	more	ADV
cblr-14253	729	20	recently	recently	ADV
cblr-14253	729	21	the	the	DET
cblr-14253	729	22	cfpb	cfpb	NOUN
cblr-14253	729	23	have	have	AUX
cblr-14253	729	24	pointed	point	VERB
cblr-14253	729	25	to	to	ADP
cblr-14253	729	26	a	a	DET
cblr-14253	729	27	transaction	transaction	NOUN
cblr-14253	729	28	’s	’s	PART
cblr-14253	729	29	underlying	underlie	VERB
cblr-14253	729	30	economic	economic	ADJ
cblr-14253	729	31	reality	reality	NOUN
cblr-14253	729	32	to	to	PART
cblr-14253	729	33	establish	establish	VERB
cblr-14253	729	34	compliance	compliance	NOUN
cblr-14253	729	35	.	.	PUNCT
cblr-14253	730	1	for	for	ADP
cblr-14253	730	2	example	example	NOUN
cblr-14253	730	3	,	,	PUNCT
cblr-14253	730	4	when	when	SCONJ
cblr-14253	730	5	real	real	ADJ
cblr-14253	730	6	-	-	PUNCT
cblr-14253	730	7	estate	estate	NOUN
cblr-14253	730	8	professionals	professional	NOUN
cblr-14253	730	9	used	use	VERB
cblr-14253	730	10	shell	shell	NOUN
cblr-14253	730	11	companies	company	NOUN
cblr-14253	730	12	to	to	PART
cblr-14253	730	13	create	create	VERB
cblr-14253	730	14	sham	sham	ADJ
cblr-14253	730	15	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	730	16	arrangements	arrangement	NOUN
cblr-14253	730	17	,	,	PUNCT
cblr-14253	730	18	hud	hud	PROPN
cblr-14253	730	19	set	set	VERB
cblr-14253	730	20	out	out	ADP
cblr-14253	730	21	a	a	DET
cblr-14253	730	22	list	list	NOUN
cblr-14253	730	23	of	of	ADP
cblr-14253	730	24	ten	ten	NUM
cblr-14253	730	25	factors	factor	NOUN
cblr-14253	730	26	to	to	PART
cblr-14253	730	27	help	help	VERB
cblr-14253	730	28	determine	determine	VERB
cblr-14253	730	29	whether	whether	SCONJ
cblr-14253	730	30	the	the	DET
cblr-14253	730	31	purported	purport	VERB
cblr-14253	730	32	settlement	settlement	NOUN
cblr-14253	730	33	company	company	NOUN
cblr-14253	730	34	was	be	AUX
cblr-14253	730	35	actually	actually	ADV
cblr-14253	730	36	a	a	DET
cblr-14253	730	37	provider	provider	NOUN
cblr-14253	730	38	of	of	ADP
cblr-14253	730	39	settlement	settlement	NOUN
cblr-14253	730	40	services.136	services.136	NOUN
cblr-14253	730	41	similarly	similarly	ADV
cblr-14253	730	42	,	,	PUNCT
cblr-14253	730	43	135	135	NUM
cblr-14253	730	44	see	see	VERB
cblr-14253	730	45	infra	infra	NOUN
cblr-14253	730	46	part	part	NOUN
cblr-14253	730	47	iii	iii	X
cblr-14253	730	48	.	.	NOUN
cblr-14253	730	49	136	136	NUM
cblr-14253	730	50	statement	statement	NOUN
cblr-14253	730	51	of	of	ADP
cblr-14253	730	52	policy	policy	NOUN
cblr-14253	730	53	1996	1996	NUM
cblr-14253	730	54	-	-	SYM
cblr-14253	730	55	2	2	NUM
cblr-14253	730	56	,	,	PUNCT
cblr-14253	730	57	regarding	regard	VERB
cblr-14253	730	58	sham	sham	PROPN
cblr-14253	730	59	controlled	control	VERB
cblr-14253	730	60	business	business	NOUN
cblr-14253	730	61	arrangements	arrangement	NOUN
cblr-14253	730	62	,	,	PUNCT
cblr-14253	730	63	61	61	NUM
cblr-14253	730	64	fed	feed	VERB
cblr-14253	730	65	.	.	PUNCT
cblr-14253	731	1	reg	reg	PROPN
cblr-14253	731	2	.	.	PUNCT
cblr-14253	732	1	29258	29258	NUM
cblr-14253	732	2	(	(	PUNCT
cblr-14253	732	3	june	june	PROPN
cblr-14253	732	4	7	7	NUM
cblr-14253	732	5	,	,	PUNCT
cblr-14253	732	6	1996	1996	NUM
cblr-14253	732	7	)	)	PUNCT
cblr-14253	732	8	.	.	PUNCT
cblr-14253	733	1	in	in	ADP
cblr-14253	733	2	2013	2013	NUM
cblr-14253	733	3	,	,	PUNCT
cblr-14253	733	4	the	the	DET
cblr-14253	733	5	sixth	sixth	ADJ
cblr-14253	733	6	circuit	circuit	NOUN
cblr-14253	733	7	no	no	INTJ
cblr-14253	733	8	.	.	NOUN
cblr-14253	733	9	1	1	NUM
cblr-14253	733	10	]	]	PUNCT
cblr-14253	733	11	corrupt	corrupt	ADJ
cblr-14253	733	12	joint	joint	ADJ
cblr-14253	733	13	ventures	venture	NOUN
cblr-14253	733	14	433	433	NUM
cblr-14253	733	15	the	the	DET
cblr-14253	733	16	cfpb	cfpb	NOUN
cblr-14253	733	17	looks	look	VERB
cblr-14253	733	18	to	to	ADP
cblr-14253	733	19	the	the	DET
cblr-14253	733	20	fair	fair	ADJ
cblr-14253	733	21	-	-	PUNCT
cblr-14253	733	22	market	market	NOUN
cblr-14253	733	23	value	value	NOUN
cblr-14253	733	24	of	of	ADP
cblr-14253	733	25	services	service	NOUN
cblr-14253	733	26	performed	perform	VERB
cblr-14253	733	27	to	to	PART
cblr-14253	733	28	determine	determine	VERB
cblr-14253	733	29	whether	whether	SCONJ
cblr-14253	733	30	a	a	DET
cblr-14253	733	31	marketing	marketing	NOUN
cblr-14253	733	32	-	-	PUNCT
cblr-14253	733	33	services	service	NOUN
cblr-14253	733	34	agreement	agreement	NOUN
cblr-14253	733	35	conceal	conceal	NOUN
cblr-14253	733	36	kickbacks	kickback	NOUN
cblr-14253	733	37	payments.137	payments.137	NOUN
cblr-14253	733	38	the	the	DET
cblr-14253	733	39	bureau	bureau	NOUN
cblr-14253	733	40	has	have	AUX
cblr-14253	733	41	explained	explain	VERB
cblr-14253	733	42	that	that	SCONJ
cblr-14253	733	43	a	a	DET
cblr-14253	733	44	marketing	marketing	NOUN
cblr-14253	733	45	-	-	PUNCT
cblr-14253	733	46	services	service	NOUN
cblr-14253	733	47	agreement	agreement	NOUN
cblr-14253	733	48	is	be	AUX
cblr-14253	733	49	unlawful	unlawful	ADJ
cblr-14253	733	50	“	"	PUNCT
cblr-14253	733	51	if	if	SCONJ
cblr-14253	733	52	the	the	DET
cblr-14253	733	53	facts	fact	NOUN
cblr-14253	733	54	and	and	CCONJ
cblr-14253	733	55	circumstances	circumstance	NOUN
cblr-14253	733	56	show	show	VERB
cblr-14253	733	57	that	that	PRON
cblr-14253	733	58	.	.	PUNCT
cblr-14253	733	59	.	.	PUNCT
cblr-14253	733	60	.	.	PUNCT
cblr-14253	734	1	[	[	X
cblr-14253	734	2	a]n	a]n	NOUN
cblr-14253	734	3	agreement	agreement	NOUN
cblr-14253	734	4	to	to	PART
cblr-14253	734	5	pay	pay	VERB
cblr-14253	734	6	for	for	ADP
cblr-14253	734	7	cast	cast	VERB
cblr-14253	734	8	doubt	doubt	NOUN
cblr-14253	734	9	on	on	ADP
cblr-14253	734	10	whether	whether	SCONJ
cblr-14253	734	11	hud	hud	PROPN
cblr-14253	734	12	’s	’s	PART
cblr-14253	734	13	policy	policy	NOUN
cblr-14253	734	14	statement	statement	NOUN
cblr-14253	734	15	was	be	AUX
cblr-14253	734	16	entitled	entitle	VERB
cblr-14253	734	17	to	to	PART
cblr-14253	734	18	deference	deference	VERB
cblr-14253	734	19	.	.	PUNCT
cblr-14253	735	1	a	a	DET
cblr-14253	735	2	sixth	sixth	ADJ
cblr-14253	735	3	circuit	circuit	NOUN
cblr-14253	735	4	panel	panel	NOUN
cblr-14253	735	5	declined	decline	VERB
cblr-14253	735	6	to	to	PART
cblr-14253	735	7	rely	rely	VERB
cblr-14253	735	8	on	on	ADP
cblr-14253	735	9	the	the	DET
cblr-14253	735	10	hud	hud	PROPN
cblr-14253	735	11	factors	factor	NOUN
cblr-14253	735	12	arguing	argue	VERB
cblr-14253	735	13	that	that	SCONJ
cblr-14253	735	14	the	the	DET
cblr-14253	735	15	policy	policy	NOUN
cblr-14253	735	16	statement	statement	NOUN
cblr-14253	735	17	imposed	impose	VERB
cblr-14253	735	18	a	a	DET
cblr-14253	735	19	new	new	ADJ
cblr-14253	735	20	“	"	PUNCT
cblr-14253	735	21	bona	bona	ADJ
cblr-14253	735	22	fide	fide	ADJ
cblr-14253	735	23	”	"	PUNCT
cblr-14253	735	24	provider	provider	NOUN
cblr-14253	735	25	requirement	requirement	NOUN
cblr-14253	735	26	not	not	PART
cblr-14253	735	27	included	include	VERB
cblr-14253	735	28	in	in	ADP
cblr-14253	735	29	respa	respa	PROPN
cblr-14253	735	30	itself	itself	PRON
cblr-14253	735	31	.	.	PUNCT
cblr-14253	736	1	carter	carter	PROPN
cblr-14253	736	2	v.	v.	CCONJ
cblr-14253	736	3	welles	welles	PROPN
cblr-14253	736	4	-	-	PUNCT
cblr-14253	736	5	bowen	bowen	PROPN
cblr-14253	736	6	realty	realty	PROPN
cblr-14253	736	7	,	,	PUNCT
cblr-14253	736	8	inc	inc	PROPN
cblr-14253	736	9	.	.	PROPN
cblr-14253	736	10	,	,	PUNCT
cblr-14253	736	11	736	736	NUM
cblr-14253	736	12	f.3d	f.3d	NUM
cblr-14253	736	13	722	722	NUM
cblr-14253	736	14	,	,	PUNCT
cblr-14253	736	15	726	726	NUM
cblr-14253	736	16	(	(	PUNCT
cblr-14253	736	17	6th	6th	ADJ
cblr-14253	736	18	cir	cir	NOUN
cblr-14253	736	19	.	.	PUNCT
cblr-14253	736	20	2013	2013	NUM
cblr-14253	736	21	)	)	PUNCT
cblr-14253	736	22	.	.	PUNCT
cblr-14253	737	1	critics	critic	NOUN
cblr-14253	737	2	of	of	ADP
cblr-14253	737	3	the	the	DET
cblr-14253	737	4	sixth	sixth	ADJ
cblr-14253	737	5	circuit	circuit	NOUN
cblr-14253	737	6	have	have	AUX
cblr-14253	737	7	responded	respond	VERB
cblr-14253	737	8	that	that	PRON
cblr-14253	737	9	rather	rather	ADV
cblr-14253	737	10	than	than	ADP
cblr-14253	737	11	imposing	impose	VERB
cblr-14253	737	12	a	a	DET
cblr-14253	737	13	new	new	ADJ
cblr-14253	737	14	requirement	requirement	NOUN
cblr-14253	737	15	,	,	PUNCT
cblr-14253	737	16	hud	hud	PROPN
cblr-14253	737	17	’s	’s	PART
cblr-14253	737	18	factors	factor	NOUN
cblr-14253	737	19	and	and	CCONJ
cblr-14253	737	20	the	the	DET
cblr-14253	737	21	“	"	PUNCT
cblr-14253	737	22	bona	bona	ADJ
cblr-14253	737	23	fide	fide	NOUN
cblr-14253	737	24	”	"	PUNCT
cblr-14253	737	25	label	label	NOUN
cblr-14253	737	26	associated	associate	VERB
cblr-14253	737	27	with	with	ADP
cblr-14253	737	28	them	they	PRON
cblr-14253	737	29	merely	merely	ADV
cblr-14253	737	30	explained	explain	VERB
cblr-14253	737	31	that	that	SCONJ
cblr-14253	737	32	the	the	DET
cblr-14253	737	33	term	term	NOUN
cblr-14253	737	34	“	"	PUNCT
cblr-14253	737	35	service	service	NOUN
cblr-14253	737	36	provider	provider	NOUN
cblr-14253	737	37	”	"	PUNCT
cblr-14253	737	38	within	within	ADP
cblr-14253	737	39	the	the	DET
cblr-14253	737	40	statute	statute	NOUN
cblr-14253	737	41	and	and	CCONJ
cblr-14253	737	42	required	require	VERB
cblr-14253	737	43	the	the	DET
cblr-14253	737	44	particular	particular	ADJ
cblr-14253	737	45	legal	legal	ADJ
cblr-14253	737	46	entity	entity	NOUN
cblr-14253	737	47	claiming	claim	VERB
cblr-14253	737	48	to	to	PART
cblr-14253	737	49	provide	provide	VERB
cblr-14253	737	50	services	service	NOUN
cblr-14253	737	51	to	to	ADP
cblr-14253	737	52	consumers	consumer	NOUN
cblr-14253	737	53	actually	actually	ADV
cblr-14253	737	54	be	be	AUX
cblr-14253	737	55	the	the	DET
cblr-14253	737	56	entity	entity	NOUN
cblr-14253	737	57	doing	do	VERB
cblr-14253	737	58	the	the	DET
cblr-14253	737	59	work	work	NOUN
cblr-14253	737	60	.	.	PUNCT
cblr-14253	738	1	minter	minter	PROPN
cblr-14253	738	2	v.	v.	PROPN
cblr-14253	738	3	wells	wells	PROPN
cblr-14253	738	4	fargo	fargo	PROPN
cblr-14253	738	5	bank	bank	PROPN
cblr-14253	738	6	,	,	PUNCT
cblr-14253	738	7	n.a	n.a	PROPN
cblr-14253	738	8	.	.	PROPN
cblr-14253	738	9	,	,	PUNCT
cblr-14253	738	10	924	924	NUM
cblr-14253	738	11	f.	f.	PROPN
cblr-14253	738	12	supp	supp	PROPN
cblr-14253	738	13	.	.	PUNCT
cblr-14253	739	1	2d	2d	PROPN
cblr-14253	739	2	627	627	NUM
cblr-14253	739	3	,	,	PUNCT
cblr-14253	739	4	639	639	NUM
cblr-14253	739	5	(	(	PUNCT
cblr-14253	739	6	d.	d.	PROPN
cblr-14253	739	7	md	md	PROPN
cblr-14253	739	8	.	.	PROPN
cblr-14253	739	9	2013	2013	NUM
cblr-14253	739	10	)	)	PUNCT
cblr-14253	739	11	(	(	PUNCT
cblr-14253	739	12	“	"	PUNCT
cblr-14253	739	13	the	the	DET
cblr-14253	739	14	policy	policy	NOUN
cblr-14253	739	15	statement	statement	NOUN
cblr-14253	739	16	did	do	AUX
cblr-14253	739	17	not	not	PART
cblr-14253	739	18	create	create	VERB
cblr-14253	739	19	a	a	DET
cblr-14253	739	20	new	new	ADJ
cblr-14253	739	21	rule	rule	NOUN
cblr-14253	739	22	or	or	CCONJ
cblr-14253	739	23	requirement	requirement	NOUN
cblr-14253	739	24	;	;	PUNCT
cblr-14253	739	25	it	it	PRON
cblr-14253	739	26	simply	simply	ADV
cblr-14253	739	27	clarified	clarify	VERB
cblr-14253	739	28	an	an	DET
cblr-14253	739	29	existing	exist	VERB
cblr-14253	739	30	law	law	NOUN
cblr-14253	739	31	.	.	PUNCT
cblr-14253	740	1	sham	sham	PROPN
cblr-14253	740	2	abas	abas	PROPN
cblr-14253	740	3	were	be	AUX
cblr-14253	740	4	already	already	ADV
cblr-14253	740	5	prohibited	prohibit	VERB
cblr-14253	740	6	;	;	PUNCT
cblr-14253	740	7	the	the	DET
cblr-14253	740	8	policy	policy	NOUN
cblr-14253	740	9	statement	statement	NOUN
cblr-14253	740	10	simply	simply	ADV
cblr-14253	740	11	provided	provide	VERB
cblr-14253	740	12	a	a	DET
cblr-14253	740	13	tool	tool	NOUN
cblr-14253	740	14	to	to	PART
cblr-14253	740	15	evaluate	evaluate	VERB
cblr-14253	740	16	whether	whether	SCONJ
cblr-14253	740	17	a	a	DET
cblr-14253	740	18	particular	particular	ADJ
cblr-14253	740	19	aba	aba	PROPN
cblr-14253	740	20	was	be	AUX
cblr-14253	740	21	a	a	DET
cblr-14253	740	22	sham	sham	NOUN
cblr-14253	740	23	.	.	PUNCT
cblr-14253	740	24	”	"	PUNCT
cblr-14253	740	25	)	)	PUNCT
cblr-14253	740	26	.	.	PUNCT
cblr-14253	741	1	for	for	ADP
cblr-14253	741	2	its	its	PRON
cblr-14253	741	3	part	part	NOUN
cblr-14253	741	4	,	,	PUNCT
cblr-14253	741	5	the	the	DET
cblr-14253	741	6	cfpb	cfpb	NOUN
cblr-14253	741	7	has	have	AUX
cblr-14253	741	8	not	not	PART
cblr-14253	741	9	explicitly	explicitly	ADV
cblr-14253	741	10	reissued	reissue	VERB
cblr-14253	741	11	hud	hud	PROPN
cblr-14253	741	12	’s	’s	PART
cblr-14253	741	13	policy	policy	NOUN
cblr-14253	741	14	statement	statement	NOUN
cblr-14253	741	15	.	.	PUNCT
cblr-14253	742	1	but	but	CCONJ
cblr-14253	742	2	the	the	DET
cblr-14253	742	3	cfpb	cfpb	NOUN
cblr-14253	742	4	has	have	AUX
cblr-14253	742	5	cited	cite	VERB
cblr-14253	742	6	the	the	DET
cblr-14253	742	7	hud	hud	PROPN
cblr-14253	742	8	policy	policy	NOUN
cblr-14253	742	9	statement	statement	NOUN
cblr-14253	742	10	in	in	ADP
cblr-14253	742	11	challenging	challenge	VERB
cblr-14253	742	12	“	"	PUNCT
cblr-14253	742	13	sham	sham	PROPN
cblr-14253	742	14	”	"	PUNCT
cblr-14253	742	15	affiliated	affiliate	VERB
cblr-14253	742	16	business	business	NOUN
cblr-14253	742	17	arrangements	arrangement	NOUN
cblr-14253	742	18	in	in	ADP
cblr-14253	742	19	its	its	PRON
cblr-14253	742	20	own	own	ADJ
cblr-14253	742	21	enforcement	enforcement	NOUN
cblr-14253	742	22	actions	action	NOUN
cblr-14253	742	23	.	.	PUNCT
cblr-14253	743	1	consent	consent	NOUN
cblr-14253	743	2	order	order	NOUN
cblr-14253	743	3	¶	¶	PROPN
cblr-14253	743	4	26	26	NUM
cblr-14253	743	5	,	,	PUNCT
cblr-14253	743	6	in	in	ADP
cblr-14253	743	7	re	re	PROPN
cblr-14253	743	8	taylor	taylor	PROPN
cblr-14253	743	9	,	,	PUNCT
cblr-14253	743	10	no	no	INTJ
cblr-14253	743	11	.	.	NOUN
cblr-14253	743	12	2013	2013	NUM
cblr-14253	743	13	-	-	PUNCT
cblr-14253	743	14	cfpb-0001	cfpb-0001	NOUN
cblr-14253	743	15	(	(	PUNCT
cblr-14253	743	16	filed	file	VERB
cblr-14253	743	17	may	may	PROPN
cblr-14253	743	18	17	17	NUM
cblr-14253	743	19	,	,	PUNCT
cblr-14253	743	20	2013	2013	NUM
cblr-14253	743	21	)	)	PUNCT
cblr-14253	743	22	,	,	PUNCT
cblr-14253	743	23	https://files.consumerfinance.gov/f/291305_cfpb_consent-order-0001.pdf	https://files.consumerfinance.gov/f/291305_cfpb_consent-order-0001.pdf	X
cblr-14253	744	1	[	[	X
cblr-14253	744	2	https://perma.cc/789b-mqfk	https://perma.cc/789b-mqfk	X
cblr-14253	744	3	]	]	X
cblr-14253	744	4	(	(	PUNCT
cblr-14253	744	5	citing	cite	VERB
cblr-14253	744	6	statement	statement	NOUN
cblr-14253	744	7	of	of	ADP
cblr-14253	744	8	policy	policy	NOUN
cblr-14253	744	9	1996	1996	NUM
cblr-14253	744	10	-	-	SYM
cblr-14253	744	11	2	2	NUM
cblr-14253	744	12	,	,	PUNCT
cblr-14253	744	13	regarding	regard	VERB
cblr-14253	744	14	sham	sham	PROPN
cblr-14253	744	15	controlled	control	VERB
cblr-14253	744	16	business	business	NOUN
cblr-14253	744	17	arrangements	arrangement	NOUN
cblr-14253	744	18	,	,	PUNCT
cblr-14253	744	19	61	61	NUM
cblr-14253	744	20	fed	feed	VERB
cblr-14253	744	21	.	.	PUNCT
cblr-14253	745	1	reg	reg	PROPN
cblr-14253	745	2	.	.	PUNCT
cblr-14253	746	1	29258	29258	NUM
cblr-14253	746	2	(	(	PUNCT
cblr-14253	746	3	june	june	PROPN
cblr-14253	746	4	7	7	NUM
cblr-14253	746	5	,	,	PUNCT
cblr-14253	746	6	1996	1996	NUM
cblr-14253	746	7	)	)	PUNCT
cblr-14253	746	8	)	)	PUNCT
cblr-14253	746	9	.	.	PUNCT
cblr-14253	747	1	similarly	similarly	ADV
cblr-14253	747	2	,	,	PUNCT
cblr-14253	747	3	the	the	DET
cblr-14253	747	4	office	office	NOUN
cblr-14253	747	5	of	of	ADP
cblr-14253	747	6	the	the	DET
cblr-14253	747	7	comptroller	comptroller	NOUN
cblr-14253	747	8	of	of	ADP
cblr-14253	747	9	the	the	DET
cblr-14253	747	10	currency	currency	NOUN
cblr-14253	747	11	has	have	AUX
cblr-14253	747	12	also	also	ADV
cblr-14253	747	13	advised	advise	VERB
cblr-14253	747	14	national	national	ADJ
cblr-14253	747	15	banks	bank	NOUN
cblr-14253	747	16	to	to	PART
cblr-14253	747	17	consider	consider	VERB
cblr-14253	747	18	hud	hud	PROPN
cblr-14253	747	19	’s	’s	PART
cblr-14253	747	20	ten	ten	NUM
cblr-14253	747	21	factors	factor	NOUN
cblr-14253	747	22	.	.	PUNCT
cblr-14253	748	1	off	off	ADP
cblr-14253	748	2	.	.	PUNCT
cblr-14253	749	1	of	of	ADP
cblr-14253	749	2	the	the	DET
cblr-14253	749	3	comptroller	comptroller	NOUN
cblr-14253	749	4	of	of	ADP
cblr-14253	749	5	the	the	DET
cblr-14253	749	6	currency	currency	NOUN
cblr-14253	749	7	,	,	PUNCT
cblr-14253	749	8	real	real	ADJ
cblr-14253	749	9	estate	estate	NOUN
cblr-14253	749	10	settlement	settlement	NOUN
cblr-14253	749	11	procedures	procedure	NOUN
cblr-14253	749	12	act	act	PROPN
cblr-14253	749	13	:	:	PUNCT
cblr-14253	749	14	sham	sham	PROPN
cblr-14253	749	15	controlled	control	VERB
cblr-14253	749	16	business	business	NOUN
cblr-14253	749	17	arrangements	arrangement	NOUN
cblr-14253	749	18	(	(	PUNCT
cblr-14253	749	19	aug	aug	PROPN
cblr-14253	749	20	.	.	PROPN
cblr-14253	749	21	4	4	NUM
cblr-14253	749	22	,	,	PUNCT
cblr-14253	749	23	2005	2005	NUM
cblr-14253	749	24	)	)	PUNCT
cblr-14253	749	25	,	,	PUNCT
cblr-14253	749	26	https://www.occ.gov/news-issuances/bulletins/2005/bulletin-2005-27.html	https://www.occ.gov/news-issuances/bulletins/2005/bulletin-2005-27.html	VERB
cblr-14253	750	1	[	[	X
cblr-14253	750	2	https://perma.cc/fly5-8tqp	https://perma.cc/fly5-8tqp	X
cblr-14253	750	3	]	]	X
cblr-14253	750	4	(	(	PUNCT
cblr-14253	750	5	“	"	PUNCT
cblr-14253	750	6	hud	hud	PROPN
cblr-14253	750	7	's	's	PART
cblr-14253	750	8	policy	policy	NOUN
cblr-14253	750	9	statement	statement	NOUN
cblr-14253	750	10	contains	contain	VERB
cblr-14253	750	11	10	10	NUM
cblr-14253	750	12	factors	factor	NOUN
cblr-14253	750	13	that	that	PRON
cblr-14253	750	14	will	will	AUX
cblr-14253	750	15	be	be	AUX
cblr-14253	750	16	considered	consider	VERB
cblr-14253	750	17	in	in	ADP
cblr-14253	750	18	determining	determine	VERB
cblr-14253	750	19	whether	whether	SCONJ
cblr-14253	750	20	an	an	DET
cblr-14253	750	21	affiliated	affiliate	VERB
cblr-14253	750	22	business	business	NOUN
cblr-14253	750	23	entity	entity	NOUN
cblr-14253	750	24	is	be	AUX
cblr-14253	750	25	a	a	DET
cblr-14253	750	26	bona	bona	ADJ
cblr-14253	750	27	fide	fide	ADJ
cblr-14253	750	28	provider	provider	NOUN
cblr-14253	750	29	of	of	ADP
cblr-14253	750	30	settlement	settlement	NOUN
cblr-14253	750	31	services	service	NOUN
cblr-14253	750	32	.	.	PUNCT
cblr-14253	750	33	”	"	PUNCT
cblr-14253	750	34	)	)	PUNCT
cblr-14253	750	35	.	.	PUNCT
cblr-14253	751	1	whether	whether	SCONJ
cblr-14253	751	2	a	a	DET
cblr-14253	751	3	court	court	NOUN
cblr-14253	751	4	emphasizes	emphasize	VERB
cblr-14253	751	5	the	the	DET
cblr-14253	751	6	phrase	phrase	NOUN
cblr-14253	751	7	“	"	PUNCT
cblr-14253	751	8	bona	bona	X
cblr-14253	751	9	fide	fide	NOUN
cblr-14253	751	10	”	"	PUNCT
cblr-14253	751	11	or	or	CCONJ
cblr-14253	751	12	not	not	PART
cblr-14253	751	13	,	,	PUNCT
cblr-14253	751	14	respa	respa	PROPN
cblr-14253	751	15	itself	itself	PRON
cblr-14253	751	16	requires	require	VERB
cblr-14253	751	17	that	that	SCONJ
cblr-14253	751	18	a	a	DET
cblr-14253	751	19	“	"	PUNCT
cblr-14253	751	20	provider	provider	NOUN
cblr-14253	751	21	of	of	ADP
cblr-14253	751	22	settlement	settlement	NOUN
cblr-14253	751	23	services	service	NOUN
cblr-14253	751	24	”	"	PUNCT
cblr-14253	751	25	must	must	AUX
cblr-14253	751	26	actually	actually	ADV
cblr-14253	751	27	provide	provide	VERB
cblr-14253	751	28	the	the	DET
cblr-14253	751	29	services	service	NOUN
cblr-14253	751	30	in	in	ADP
cblr-14253	751	31	order	order	NOUN
cblr-14253	751	32	to	to	PART
cblr-14253	751	33	be	be	AUX
cblr-14253	751	34	eligible	eligible	ADJ
cblr-14253	751	35	for	for	ADP
cblr-14253	751	36	the	the	DET
cblr-14253	751	37	affiliated	affiliate	VERB
cblr-14253	751	38	business	business	NOUN
cblr-14253	751	39	arrangement	arrangement	NOUN
cblr-14253	751	40	exception	exception	NOUN
cblr-14253	751	41	.	.	PUNCT
cblr-14253	752	1	see	see	VERB
cblr-14253	752	2	andrew	andrew	PROPN
cblr-14253	752	3	g.	g.	PROPN
cblr-14253	752	4	pfizor	pfizor	PROPN
cblr-14253	752	5	et	et	PROPN
cblr-14253	752	6	al	al	PROPN
cblr-14253	752	7	.	.	PROPN
cblr-14253	752	8	,	,	PUNCT
cblr-14253	752	9	mortgage	mortgage	NOUN
cblr-14253	752	10	lending	lending	NOUN
cblr-14253	752	11	§	§	PROPN
cblr-14253	752	12	8.4.6.2	8.4.6.2	PROPN
cblr-14253	752	13	(	(	PUNCT
cblr-14253	752	14	4th	4th	ADJ
cblr-14253	752	15	ed	ed	NOUN
cblr-14253	752	16	.	.	PUNCT
cblr-14253	752	17	2024	2024	NUM
cblr-14253	752	18	)	)	PUNCT
cblr-14253	752	19	.	.	PUNCT
cblr-14253	753	1	137	137	NUM
cblr-14253	753	2	12	12	NUM
cblr-14253	753	3	c.f.r	c.f.r	NOUN
cblr-14253	753	4	.	.	PUNCT
cblr-14253	754	1	§	§	PROPN
cblr-14253	754	2	1024.14(g)(2	1024.14(g)(2	PROPN
cblr-14253	754	3	)	)	PUNCT
cblr-14253	754	4	(	(	PUNCT
cblr-14253	754	5	2024	2024	NUM
cblr-14253	754	6	)	)	PUNCT
cblr-14253	754	7	(	(	PUNCT
cblr-14253	754	8	“	"	PUNCT
cblr-14253	754	9	if	if	SCONJ
cblr-14253	754	10	the	the	DET
cblr-14253	754	11	payment	payment	NOUN
cblr-14253	754	12	of	of	ADP
cblr-14253	754	13	a	a	DET
cblr-14253	754	14	thing	thing	NOUN
cblr-14253	754	15	of	of	ADP
cblr-14253	754	16	value	value	NOUN
cblr-14253	754	17	bears	bear	VERB
cblr-14253	754	18	no	no	DET
cblr-14253	754	19	reasonable	reasonable	ADJ
cblr-14253	754	20	relationship	relationship	NOUN
cblr-14253	754	21	to	to	ADP
cblr-14253	754	22	the	the	DET
cblr-14253	754	23	market	market	NOUN
cblr-14253	754	24	value	value	NOUN
cblr-14253	754	25	of	of	ADP
cblr-14253	754	26	the	the	DET
cblr-14253	754	27	goods	good	NOUN
cblr-14253	754	28	or	or	CCONJ
cblr-14253	754	29	services	service	NOUN
cblr-14253	754	30	provided	provide	VERB
cblr-14253	754	31	,	,	PUNCT
cblr-14253	754	32	then	then	ADV
cblr-14253	754	33	the	the	DET
cblr-14253	754	34	excess	excess	NOUN
cblr-14253	754	35	is	be	AUX
cblr-14253	754	36	not	not	PART
cblr-14253	754	37	for	for	ADP
cblr-14253	754	38	services	service	NOUN
cblr-14253	754	39	or	or	CCONJ
cblr-14253	754	40	goods	good	NOUN
cblr-14253	754	41	actually	actually	ADV
cblr-14253	754	42	performed	perform	VERB
cblr-14253	754	43	or	or	CCONJ
cblr-14253	754	44	provided	provide	VERB
cblr-14253	754	45	.	.	PUNCT
cblr-14253	755	1	these	these	DET
cblr-14253	755	2	facts	fact	NOUN
cblr-14253	755	3	may	may	AUX
cblr-14253	755	4	be	be	AUX
cblr-14253	755	5	used	use	VERB
cblr-14253	755	6	as	as	ADP
cblr-14253	755	7	evidence	evidence	NOUN
cblr-14253	755	8	of	of	ADP
cblr-14253	755	9	a	a	DET
cblr-14253	755	10	violation	violation	NOUN
cblr-14253	755	11	of	of	ADP
cblr-14253	755	12	section	section	NOUN
cblr-14253	755	13	8	8	NUM
cblr-14253	755	14	.	.	PUNCT
cblr-14253	755	15	.	.	PUNCT
cblr-14253	755	16	.	.	PUNCT
cblr-14253	755	17	.	.	PUNCT
cblr-14253	755	18	”	"	PUNCT
cblr-14253	755	19	)	)	PUNCT
cblr-14253	755	20	.	.	PUNCT
cblr-14253	756	1	see	see	VERB
cblr-14253	756	2	also	also	ADV
cblr-14253	756	3	cfpb	cfpb	ADJ
cblr-14253	756	4	compliance	compliance	NOUN
cblr-14253	756	5	bulletin	bulletin	NOUN
cblr-14253	756	6	2015	2015	NUM
cblr-14253	756	7	-	-	SYM
cblr-14253	756	8	05	05	NUM
cblr-14253	756	9	,	,	PUNCT
cblr-14253	756	10	respa	respa	PROPN
cblr-14253	756	11	compliance	compliance	NOUN
cblr-14253	756	12	and	and	CCONJ
cblr-14253	756	13	marketing	marketing	NOUN
cblr-14253	756	14	services	service	NOUN
cblr-14253	756	15	agreements	agreement	VERB
cblr-14253	756	16	2–3	2–3	NUM
cblr-14253	756	17	(	(	PUNCT
cblr-14253	756	18	oct	oct	PROPN
cblr-14253	756	19	.	.	PROPN
cblr-14253	756	20	8	8	NUM
cblr-14253	756	21	,	,	PUNCT
cblr-14253	756	22	2015	2015	NUM
cblr-14253	756	23	)	)	PUNCT
cblr-14253	756	24	.	.	PUNCT
cblr-14253	757	1	434	434	NUM
cblr-14253	757	2	columbia	columbia	PROPN
cblr-14253	757	3	business	business	NOUN
cblr-14253	757	4	law	law	PROPN
cblr-14253	757	5	review	review	NOUN
cblr-14253	757	6	[	[	X
cblr-14253	757	7	vol	vol	NOUN
cblr-14253	757	8	.	.	PUNCT
cblr-14253	758	1	2025	2025	NUM
cblr-14253	758	2	marketing	marketing	NOUN
cblr-14253	758	3	services	service	NOUN
cblr-14253	758	4	,	,	PUNCT
cblr-14253	758	5	but	but	CCONJ
cblr-14253	758	6	the	the	DET
cblr-14253	758	7	payment	payment	NOUN
cblr-14253	758	8	is	be	AUX
cblr-14253	758	9	in	in	ADP
cblr-14253	758	10	excess	excess	NOUN
cblr-14253	758	11	of	of	ADP
cblr-14253	758	12	the	the	DET
cblr-14253	758	13	reasonable	reasonable	ADJ
cblr-14253	758	14	market	market	NOUN
cblr-14253	758	15	value	value	NOUN
cblr-14253	758	16	for	for	ADP
cblr-14253	758	17	the	the	DET
cblr-14253	758	18	services	service	NOUN
cblr-14253	758	19	performed.138	performed.138	VERB
cblr-14253	758	20	the	the	DET
cblr-14253	758	21	cfpb	cfpb	NOUN
cblr-14253	758	22	has	have	AUX
cblr-14253	758	23	also	also	ADV
cblr-14253	758	24	used	use	VERB
cblr-14253	758	25	a	a	DET
cblr-14253	758	26	fair	fair	ADJ
cblr-14253	758	27	-	-	PUNCT
cblr-14253	758	28	market	market	NOUN
cblr-14253	758	29	-	-	PUNCT
cblr-14253	758	30	value	value	NOUN
cblr-14253	758	31	test	test	NOUN
cblr-14253	758	32	to	to	PART
cblr-14253	758	33	determine	determine	VERB
cblr-14253	758	34	whether	whether	SCONJ
cblr-14253	758	35	a	a	DET
cblr-14253	758	36	title	title	NOUN
cblr-14253	758	37	company	company	NOUN
cblr-14253	758	38	violates	violate	VERB
cblr-14253	758	39	respa	respa	NOUN
cblr-14253	758	40	when	when	SCONJ
cblr-14253	758	41	it	it	PRON
cblr-14253	758	42	hosts	host	VERB
cblr-14253	758	43	continuing	continue	VERB
cblr-14253	758	44	-	-	PUNCT
cblr-14253	758	45	education	education	NOUN
cblr-14253	758	46	courses	course	NOUN
cblr-14253	758	47	for	for	ADP
cblr-14253	758	48	real	real	ADJ
cblr-14253	758	49	-	-	PUNCT
cblr-14253	758	50	estate	estate	NOUN
cblr-14253	758	51	agents.139	agents.139	NOUN
cblr-14253	758	52	for	for	ADP
cblr-14253	758	53	example	example	NOUN
cblr-14253	758	54	,	,	PUNCT
cblr-14253	758	55	if	if	SCONJ
cblr-14253	758	56	a	a	DET
cblr-14253	758	57	title	title	NOUN
cblr-14253	758	58	company	company	NOUN
cblr-14253	758	59	offers	offer	VERB
cblr-14253	758	60	such	such	DET
cblr-14253	758	61	a	a	DET
cblr-14253	758	62	course	course	NOUN
cblr-14253	758	63	,	,	PUNCT
cblr-14253	758	64	but	but	CCONJ
cblr-14253	758	65	provides	provide	VERB
cblr-14253	758	66	the	the	DET
cblr-14253	758	67	course	course	NOUN
cblr-14253	758	68	free	free	ADJ
cblr-14253	758	69	of	of	ADP
cblr-14253	758	70	charge	charge	NOUN
cblr-14253	758	71	or	or	CCONJ
cblr-14253	758	72	at	at	ADP
cblr-14253	758	73	a	a	DET
cblr-14253	758	74	discounted	discount	VERB
cblr-14253	758	75	value	value	NOUN
cblr-14253	758	76	to	to	ADP
cblr-14253	758	77	real	real	ADJ
cblr-14253	758	78	-	-	PUNCT
cblr-14253	758	79	estate	estate	NOUN
cblr-14253	758	80	agents	agent	NOUN
cblr-14253	758	81	who	who	PRON
cblr-14253	758	82	refer	refer	VERB
cblr-14253	758	83	closing	closing	NOUN
cblr-14253	758	84	business	business	NOUN
cblr-14253	758	85	to	to	ADP
cblr-14253	758	86	the	the	DET
cblr-14253	758	87	title	title	NOUN
cblr-14253	758	88	company	company	NOUN
cblr-14253	758	89	,	,	PUNCT
cblr-14253	758	90	then	then	ADV
cblr-14253	758	91	the	the	DET
cblr-14253	758	92	value	value	NOUN
cblr-14253	758	93	of	of	ADP
cblr-14253	758	94	the	the	DET
cblr-14253	758	95	course	course	NOUN
cblr-14253	758	96	can	can	AUX
cblr-14253	758	97	be	be	AUX
cblr-14253	758	98	an	an	DET
cblr-14253	758	99	illegal	illegal	ADJ
cblr-14253	758	100	kickback	kickback	NOUN
cblr-14253	758	101	under	under	ADP
cblr-14253	758	102	§	§	PROPN
cblr-14253	758	103	8	8	NUM
cblr-14253	758	104	.	.	PUNCT
cblr-14253	759	1	the	the	DET
cblr-14253	759	2	cfpb	cfpb	NOUN
cblr-14253	759	3	has	have	AUX
cblr-14253	759	4	explained	explain	VERB
cblr-14253	759	5	that	that	SCONJ
cblr-14253	759	6	a	a	DET
cblr-14253	759	7	title	title	NOUN
cblr-14253	759	8	company	company	NOUN
cblr-14253	759	9	that	that	PRON
cblr-14253	759	10	provides	provide	VERB
cblr-14253	759	11	continuing	continue	VERB
cblr-14253	759	12	education	education	NOUN
cblr-14253	759	13	to	to	ADP
cblr-14253	759	14	real	real	ADJ
cblr-14253	759	15	-	-	PUNCT
cblr-14253	759	16	estate	estate	NOUN
cblr-14253	759	17	agents	agent	NOUN
cblr-14253	759	18	must	must	AUX
cblr-14253	759	19	charge	charge	VERB
cblr-14253	759	20	“	"	PUNCT
cblr-14253	759	21	a	a	DET
cblr-14253	759	22	course	course	NOUN
cblr-14253	759	23	admission	admission	NOUN
cblr-14253	759	24	fee	fee	NOUN
cblr-14253	759	25	equivalent	equivalent	ADJ
cblr-14253	759	26	to	to	ADP
cblr-14253	759	27	the	the	DET
cblr-14253	759	28	fair	fair	ADJ
cblr-14253	759	29	market	market	NOUN
cblr-14253	759	30	value	value	NOUN
cblr-14253	759	31	of	of	ADP
cblr-14253	759	32	the	the	DET
cblr-14253	759	33	course	course	NOUN
cblr-14253	759	34	”	"	PUNCT
cblr-14253	759	35	to	to	PART
cblr-14253	759	36	avoid	avoid	VERB
cblr-14253	759	37	providing	provide	VERB
cblr-14253	759	38	a	a	DET
cblr-14253	759	39	kickback	kickback	NOUN
cblr-14253	759	40	to	to	ADP
cblr-14253	759	41	real	real	ADJ
cblr-14253	759	42	-	-	PUNCT
cblr-14253	759	43	estate	estate	NOUN
cblr-14253	759	44	agents.140	agents.140	VERB
cblr-14253	759	45	akin	akin	ADJ
cblr-14253	759	46	to	to	ADP
cblr-14253	759	47	these	these	DET
cblr-14253	759	48	well	well	ADV
cblr-14253	759	49	-	-	PUNCT
cblr-14253	759	50	settled	settle	VERB
cblr-14253	759	51	principles	principle	NOUN
cblr-14253	759	52	,	,	PUNCT
cblr-14253	759	53	courts	court	NOUN
cblr-14253	759	54	should	should	AUX
cblr-14253	759	55	hold	hold	VERB
cblr-14253	759	56	that	that	DET
cblr-14253	759	57	real	real	ADJ
cblr-14253	759	58	-	-	PUNCT
cblr-14253	759	59	estate	estate	NOUN
cblr-14253	759	60	agents	agent	NOUN
cblr-14253	759	61	who	who	PRON
cblr-14253	759	62	acquire	acquire	VERB
cblr-14253	759	63	ownership	ownership	NOUN
cblr-14253	759	64	of	of	ADP
cblr-14253	759	65	a	a	DET
cblr-14253	759	66	settlement	settlement	NOUN
cblr-14253	759	67	joint	joint	ADJ
cblr-14253	759	68	venture	venture	NOUN
cblr-14253	759	69	must	must	AUX
cblr-14253	759	70	pay	pay	VERB
cblr-14253	759	71	the	the	DET
cblr-14253	759	72	fair	fair	ADJ
cblr-14253	759	73	-	-	PUNCT
cblr-14253	759	74	market	market	NOUN
cblr-14253	759	75	value	value	NOUN
cblr-14253	759	76	of	of	ADP
cblr-14253	759	77	their	their	PRON
cblr-14253	759	78	equity	equity	NOUN
cblr-14253	759	79	stake	stake	NOUN
cblr-14253	759	80	.	.	PUNCT
cblr-14253	760	1	specifically	specifically	ADV
cblr-14253	760	2	,	,	PUNCT
cblr-14253	760	3	to	to	PART
cblr-14253	760	4	determine	determine	VERB
cblr-14253	760	5	whether	whether	SCONJ
cblr-14253	760	6	a	a	DET
cblr-14253	760	7	settlement	settlement	NOUN
cblr-14253	760	8	joint	joint	ADJ
cblr-14253	760	9	venture	venture	NOUN
cblr-14253	760	10	is	be	AUX
cblr-14253	760	11	lawful	lawful	ADJ
cblr-14253	760	12	,	,	PUNCT
cblr-14253	760	13	courts	court	NOUN
cblr-14253	760	14	should	should	AUX
cblr-14253	760	15	ask	ask	VERB
cblr-14253	760	16	what	what	PRON
cblr-14253	760	17	a	a	DET
cblr-14253	760	18	reasonable	reasonable	ADJ
cblr-14253	760	19	,	,	PUNCT
cblr-14253	760	20	disinterested	disinterested	ADJ
cblr-14253	760	21	investor	investor	NOUN
cblr-14253	760	22	would	would	AUX
cblr-14253	760	23	pay	pay	VERB
cblr-14253	760	24	up	up	ADP
cblr-14253	760	25	front	front	NOUN
cblr-14253	760	26	for	for	ADP
cblr-14253	760	27	the	the	DET
cblr-14253	760	28	right	right	NOUN
cblr-14253	760	29	to	to	PART
cblr-14253	760	30	receive	receive	VERB
cblr-14253	760	31	the	the	DET
cblr-14253	760	32	referring	refer	VERB
cblr-14253	760	33	party	party	NOUN
cblr-14253	760	34	’s	’s	PART
cblr-14253	760	35	future	future	ADJ
cblr-14253	760	36	joint	joint	ADJ
cblr-14253	760	37	-	-	PUNCT
cblr-14253	760	38	venture	venture	NOUN
cblr-14253	760	39	dividends	dividend	NOUN
cblr-14253	760	40	.	.	PUNCT
cblr-14253	761	1	borrowing	borrow	VERB
cblr-14253	761	2	from	from	ADP
cblr-14253	761	3	the	the	DET
cblr-14253	761	4	tax	tax	NOUN
cblr-14253	761	5	regulations	regulation	NOUN
cblr-14253	761	6	,	,	PUNCT
cblr-14253	761	7	which	which	PRON
cblr-14253	761	8	are	be	AUX
cblr-14253	761	9	sensible	sensible	ADJ
cblr-14253	761	10	on	on	ADP
cblr-14253	761	11	this	this	DET
cblr-14253	761	12	point	point	NOUN
cblr-14253	761	13	,	,	PUNCT
cblr-14253	761	14	courts	court	NOUN
cblr-14253	761	15	should	should	AUX
cblr-14253	761	16	set	set	VERB
cblr-14253	761	17	the	the	DET
cblr-14253	761	18	fair	fair	ADJ
cblr-14253	761	19	-	-	PUNCT
cblr-14253	761	20	market	market	NOUN
cblr-14253	761	21	price	price	NOUN
cblr-14253	761	22	of	of	ADP
cblr-14253	761	23	the	the	DET
cblr-14253	761	24	joint	joint	ADJ
cblr-14253	761	25	venture	venture	NOUN
cblr-14253	761	26	’s	’s	PART
cblr-14253	761	27	share	share	NOUN
cblr-14253	761	28	as	as	ADP
cblr-14253	761	29	“	"	PUNCT
cblr-14253	761	30	the	the	DET
cblr-14253	761	31	price	price	NOUN
cblr-14253	761	32	at	at	ADP
cblr-14253	761	33	which	which	PRON
cblr-14253	761	34	it	it	PRON
cblr-14253	761	35	would	would	AUX
cblr-14253	761	36	change	change	VERB
cblr-14253	761	37	hands	hand	NOUN
cblr-14253	761	38	between	between	ADP
cblr-14253	761	39	a	a	DET
cblr-14253	761	40	willing	willing	ADJ
cblr-14253	761	41	buyer	buyer	NOUN
cblr-14253	761	42	and	and	CCONJ
cblr-14253	761	43	willing	willing	ADJ
cblr-14253	761	44	seller	seller	NOUN
cblr-14253	761	45	,	,	PUNCT
cblr-14253	761	46	neither	neither	CCONJ
cblr-14253	761	47	being	be	AUX
cblr-14253	761	48	under	under	ADP
cblr-14253	761	49	any	any	DET
cblr-14253	761	50	compulsion	compulsion	NOUN
cblr-14253	761	51	to	to	PART
cblr-14253	761	52	buy	buy	VERB
cblr-14253	761	53	or	or	CCONJ
cblr-14253	761	54	sell	sell	VERB
cblr-14253	761	55	and	and	CCONJ
cblr-14253	761	56	both	both	PRON
cblr-14253	761	57	having	have	VERB
cblr-14253	761	58	reasonable	reasonable	ADJ
cblr-14253	761	59	knowledge	knowledge	NOUN
cblr-14253	761	60	of	of	ADP
cblr-14253	761	61	relevant	relevant	ADJ
cblr-14253	761	62	facts	fact	NOUN
cblr-14253	761	63	.	.	PUNCT
cblr-14253	762	1	”141	”141	VERB
cblr-14253	762	2	the	the	DET
cblr-14253	762	3	valuation	valuation	NOUN
cblr-14253	762	4	of	of	ADP
cblr-14253	762	5	the	the	DET
cblr-14253	762	6	ownership	ownership	NOUN
cblr-14253	762	7	stake	stake	NOUN
cblr-14253	762	8	should	should	AUX
cblr-14253	762	9	be	be	AUX
cblr-14253	762	10	determined	determine	VERB
cblr-14253	762	11	on	on	ADP
cblr-14253	762	12	the	the	DET
cblr-14253	762	13	basis	basis	NOUN
cblr-14253	762	14	of	of	ADP
cblr-14253	762	15	all	all	DET
cblr-14253	762	16	relevant	relevant	ADJ
cblr-14253	762	17	factors	factor	NOUN
cblr-14253	762	18	,	,	PUNCT
cblr-14253	762	19	including	include	VERB
cblr-14253	762	20	a	a	DET
cblr-14253	762	21	fair	fair	ADJ
cblr-14253	762	22	appraisal	appraisal	NOUN
cblr-14253	762	23	that	that	PRON
cblr-14253	762	24	includes	include	VERB
cblr-14253	762	25	138	138	NUM
cblr-14253	762	26	real	real	ADJ
cblr-14253	762	27	estate	estate	NOUN
cblr-14253	762	28	settlement	settlement	NOUN
cblr-14253	762	29	procedures	procedure	NOUN
cblr-14253	762	30	act	act	VERB
cblr-14253	762	31	faqs	faq	NOUN
cblr-14253	762	32	,	,	PUNCT
cblr-14253	762	33	consumer	consumer	NOUN
cblr-14253	762	34	fin	fin	NOUN
cblr-14253	762	35	.	.	PUNCT
cblr-14253	763	1	prot	prot	PROPN
cblr-14253	763	2	.	.	PUNCT
cblr-14253	764	1	bureau	bureau	NOUN
cblr-14253	764	2	13	13	NUM
cblr-14253	764	3	(	(	PUNCT
cblr-14253	764	4	oct	oct	PROPN
cblr-14253	764	5	.	.	PROPN
cblr-14253	764	6	7	7	NUM
cblr-14253	764	7	,	,	PUNCT
cblr-14253	764	8	2020	2020	NUM
cblr-14253	764	9	)	)	PUNCT
cblr-14253	764	10	,	,	PUNCT
cblr-14253	764	11	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	ADP
cblr-14253	764	12	[	[	X
cblr-14253	764	13	https://perma.cc/l7zp-wx9r	https://perma.cc/l7zp-wx9r	X
cblr-14253	764	14	]	]	X
cblr-14253	764	15	(	(	PUNCT
cblr-14253	764	16	emphasis	emphasis	NOUN
cblr-14253	764	17	added	add	VERB
cblr-14253	764	18	)	)	PUNCT
cblr-14253	764	19	.	.	PUNCT
cblr-14253	765	1	139	139	NUM
cblr-14253	766	1	i	i	PRON
cblr-14253	766	2	d.	d.	NOUN
cblr-14253	766	3	at	at	ADP
cblr-14253	766	4	9	9	NUM
cblr-14253	766	5	.	.	NOUN
cblr-14253	766	6	140	140	NUM
cblr-14253	767	1	i	i	NOUN
cblr-14253	767	2	d.	d.	PROPN
cblr-14253	767	3	141	141	NUM
cblr-14253	767	4	26	26	NUM
cblr-14253	767	5	c.f.r	c.f.r	NOUN
cblr-14253	767	6	.	.	PUNCT
cblr-14253	768	1	§	§	PROPN
cblr-14253	768	2	25.2512	25.2512	NUM
cblr-14253	768	3	-	-	SYM
cblr-14253	768	4	1	1	NUM
cblr-14253	768	5	(	(	PUNCT
cblr-14253	768	6	irs	irs	PROPN
cblr-14253	768	7	regulation	regulation	NOUN
cblr-14253	768	8	setting	set	VERB
cblr-14253	768	9	out	out	ADP
cblr-14253	768	10	a	a	DET
cblr-14253	768	11	general	general	ADJ
cblr-14253	768	12	method	method	NOUN
cblr-14253	768	13	for	for	ADP
cblr-14253	768	14	valuation	valuation	NOUN
cblr-14253	768	15	of	of	ADP
cblr-14253	768	16	property	property	NOUN
cblr-14253	768	17	)	)	PUNCT
cblr-14253	768	18	.	.	PUNCT
cblr-14253	769	1	no	no	INTJ
cblr-14253	769	2	.	.	NOUN
cblr-14253	770	1	1	1	NUM
cblr-14253	770	2	]	]	PUNCT
cblr-14253	770	3	corrupt	corrupt	ADJ
cblr-14253	770	4	joint	joint	ADJ
cblr-14253	770	5	ventures	venture	NOUN
cblr-14253	770	6	435	435	NUM
cblr-14253	770	7	tangible	tangible	ADJ
cblr-14253	770	8	and	and	CCONJ
cblr-14253	770	9	intangible	intangible	ADJ
cblr-14253	770	10	assets	asset	NOUN
cblr-14253	770	11	,	,	PUNCT
cblr-14253	770	12	good	good	ADJ
cblr-14253	770	13	will	will	NOUN
cblr-14253	770	14	,	,	PUNCT
cblr-14253	770	15	and	and	CCONJ
cblr-14253	770	16	the	the	DET
cblr-14253	770	17	future	future	ADJ
cblr-14253	770	18	earning	earning	NOUN
cblr-14253	770	19	capacity	capacity	NOUN
cblr-14253	770	20	of	of	ADP
cblr-14253	770	21	the	the	DET
cblr-14253	770	22	business.142	business.142	NOUN
cblr-14253	770	23	if	if	SCONJ
cblr-14253	770	24	the	the	DET
cblr-14253	770	25	referring	refer	VERB
cblr-14253	770	26	party	party	NOUN
cblr-14253	770	27	purchased	purchase	VERB
cblr-14253	770	28	their	their	PRON
cblr-14253	770	29	equity	equity	NOUN
cblr-14253	770	30	share	share	NOUN
cblr-14253	770	31	at	at	ADP
cblr-14253	770	32	this	this	DET
cblr-14253	770	33	price	price	NOUN
cblr-14253	770	34	point	point	NOUN
cblr-14253	770	35	or	or	CCONJ
cblr-14253	770	36	higher	high	ADJ
cblr-14253	770	37	,	,	PUNCT
cblr-14253	770	38	then	then	ADV
cblr-14253	770	39	it	it	PRON
cblr-14253	770	40	did	do	AUX
cblr-14253	770	41	not	not	PART
cblr-14253	770	42	receive	receive	VERB
cblr-14253	770	43	an	an	DET
cblr-14253	770	44	illegal	illegal	ADJ
cblr-14253	770	45	discount	discount	NOUN
cblr-14253	770	46	.	.	PUNCT
cblr-14253	771	1	determining	determine	VERB
cblr-14253	771	2	the	the	DET
cblr-14253	771	3	fair	fair	ADJ
cblr-14253	771	4	-	-	PUNCT
cblr-14253	771	5	market	market	NOUN
cblr-14253	771	6	value	value	NOUN
cblr-14253	771	7	of	of	ADP
cblr-14253	771	8	shares	share	NOUN
cblr-14253	771	9	in	in	ADP
cblr-14253	771	10	a	a	DET
cblr-14253	771	11	settlement	settlement	NOUN
cblr-14253	771	12	joint	joint	ADJ
cblr-14253	771	13	venture	venture	NOUN
cblr-14253	771	14	is	be	AUX
cblr-14253	771	15	a	a	DET
cblr-14253	771	16	feasible	feasible	ADJ
cblr-14253	771	17	and	and	CCONJ
cblr-14253	771	18	practical	practical	ADJ
cblr-14253	771	19	task	task	NOUN
cblr-14253	771	20	required	require	VERB
cblr-14253	771	21	by	by	ADP
cblr-14253	771	22	the	the	DET
cblr-14253	771	23	plain	plain	ADJ
cblr-14253	771	24	meaning	meaning	NOUN
cblr-14253	771	25	of	of	ADP
cblr-14253	771	26	respa	respa	PROPN
cblr-14253	771	27	§	§	PROPN
cblr-14253	771	28	8	8	NUM
cblr-14253	771	29	and	and	CCONJ
cblr-14253	771	30	regulation	regulation	NOUN
cblr-14253	771	31	x.	x.	NOUN
cblr-14253	772	1	the	the	DET
cblr-14253	772	2	statute	statute	NOUN
cblr-14253	772	3	does	do	AUX
cblr-14253	772	4	not	not	PART
cblr-14253	772	5	allow	allow	VERB
cblr-14253	772	6	giving	giving	NOUN
cblr-14253	772	7	or	or	CCONJ
cblr-14253	772	8	accepting	accept	VERB
cblr-14253	772	9	any	any	DET
cblr-14253	772	10	“	"	PUNCT
cblr-14253	772	11	thing	thing	NOUN
cblr-14253	772	12	of	of	ADP
cblr-14253	772	13	value	value	NOUN
cblr-14253	772	14	pursuant	pursuant	ADJ
cblr-14253	772	15	to	to	ADP
cblr-14253	772	16	any	any	DET
cblr-14253	772	17	agreement	agreement	NOUN
cblr-14253	772	18	.	.	PUNCT
cblr-14253	772	19	.	.	PUNCT
cblr-14253	772	20	.	.	PUNCT
cblr-14253	773	1	that	that	DET
cblr-14253	773	2	business	business	NOUN
cblr-14253	773	3	incident	incident	NOUN
cblr-14253	773	4	to	to	ADP
cblr-14253	773	5	.	.	PUNCT
cblr-14253	773	6	.	.	PUNCT
cblr-14253	774	1	.	.	PUNCT
cblr-14253	775	1	real	real	ADJ
cblr-14253	775	2	estate	estate	NOUN
cblr-14253	775	3	settlement	settlement	NOUN
cblr-14253	775	4	service	service	NOUN
cblr-14253	775	5	.	.	PUNCT
cblr-14253	775	6	.	.	PUNCT
cblr-14253	776	1	.	.	PUNCT
cblr-14253	777	1	shall	shall	AUX
cblr-14253	777	2	be	be	AUX
cblr-14253	777	3	referred	refer	VERB
cblr-14253	777	4	to	to	ADP
cblr-14253	777	5	any	any	DET
cblr-14253	777	6	person	person	NOUN
cblr-14253	777	7	.	.	PUNCT
cblr-14253	777	8	”143	”143	NOUN
cblr-14253	777	9	to	to	PART
cblr-14253	777	10	know	know	VERB
cblr-14253	777	11	whether	whether	SCONJ
cblr-14253	777	12	a	a	DET
cblr-14253	777	13	thing	thing	NOUN
cblr-14253	777	14	of	of	ADP
cblr-14253	777	15	value	value	NOUN
cblr-14253	777	16	is	be	AUX
cblr-14253	777	17	given	give	VERB
cblr-14253	777	18	by	by	ADP
cblr-14253	777	19	the	the	DET
cblr-14253	777	20	joint	joint	ADJ
cblr-14253	777	21	venture	venture	NOUN
cblr-14253	777	22	’s	’s	PART
cblr-14253	777	23	sponsor	sponsor	NOUN
cblr-14253	777	24	at	at	ADP
cblr-14253	777	25	the	the	DET
cblr-14253	777	26	outset	outset	NOUN
cblr-14253	777	27	,	,	PUNCT
cblr-14253	777	28	one	one	PRON
cblr-14253	777	29	must	must	AUX
cblr-14253	777	30	know	know	VERB
cblr-14253	777	31	the	the	DET
cblr-14253	777	32	value	value	NOUN
cblr-14253	777	33	of	of	ADP
cblr-14253	777	34	the	the	DET
cblr-14253	777	35	business	business	NOUN
cblr-14253	777	36	to	to	PART
cblr-14253	777	37	determine	determine	VERB
cblr-14253	777	38	whether	whether	SCONJ
cblr-14253	777	39	investors	investor	NOUN
cblr-14253	777	40	were	be	AUX
cblr-14253	777	41	given	give	VERB
cblr-14253	777	42	impermissible	impermissible	ADJ
cblr-14253	777	43	“	"	PUNCT
cblr-14253	777	44	discounts	discount	NOUN
cblr-14253	777	45	.	.	PUNCT
cblr-14253	777	46	”144	”144	PUNCT
cblr-14253	778	1	fortunately	fortunately	ADV
cblr-14253	778	2	,	,	PUNCT
cblr-14253	778	3	investors	investor	NOUN
cblr-14253	778	4	,	,	PUNCT
cblr-14253	778	5	regulators	regulator	NOUN
cblr-14253	778	6	,	,	PUNCT
cblr-14253	778	7	and	and	CCONJ
cblr-14253	778	8	courts	court	NOUN
cblr-14253	778	9	routinely	routinely	ADV
cblr-14253	778	10	determine	determine	VERB
cblr-14253	778	11	the	the	DET
cblr-14253	778	12	fair	fair	ADJ
cblr-14253	778	13	-	-	PUNCT
cblr-14253	778	14	market	market	NOUN
cblr-14253	778	15	values	value	NOUN
cblr-14253	778	16	of	of	ADP
cblr-14253	778	17	businesses.145	businesses.145	NOUN
cblr-14253	778	18	fund	fund	NOUN
cblr-14253	778	19	managers	manager	NOUN
cblr-14253	778	20	trading	trade	VERB
cblr-14253	778	21	public	public	ADJ
cblr-14253	778	22	shares	share	NOUN
cblr-14253	778	23	are	be	AUX
cblr-14253	778	24	expected	expect	VERB
cblr-14253	778	25	to	to	PART
cblr-14253	778	26	know	know	VERB
cblr-14253	778	27	and	and	CCONJ
cblr-14253	778	28	predict	predict	VERB
cblr-14253	778	29	the	the	DET
cblr-14253	778	30	fair	fair	ADJ
cblr-14253	778	31	-	-	PUNCT
cblr-14253	778	32	market	market	NOUN
cblr-14253	778	33	value	value	NOUN
cblr-14253	778	34	of	of	ADP
cblr-14253	778	35	their	their	PRON
cblr-14253	778	36	positions	position	NOUN
cblr-14253	778	37	.	.	PUNCT
cblr-14253	779	1	small	small	ADJ
cblr-14253	779	2	-	-	PUNCT
cblr-14253	779	3	business	business	NOUN
cblr-14253	779	4	-	-	PUNCT
cblr-14253	779	5	loan	loan	NOUN
cblr-14253	779	6	officers	officer	NOUN
cblr-14253	779	7	estimate	estimate	VERB
cblr-14253	779	8	the	the	DET
cblr-14253	779	9	value	value	NOUN
cblr-14253	779	10	of	of	ADP
cblr-14253	779	11	businesses	business	NOUN
cblr-14253	779	12	to	to	PART
cblr-14253	779	13	determine	determine	VERB
cblr-14253	779	14	the	the	DET
cblr-14253	779	15	value	value	NOUN
cblr-14253	779	16	of	of	ADP
cblr-14253	779	17	collateral	collateral	NOUN
cblr-14253	779	18	and	and	CCONJ
cblr-14253	779	19	decide	decide	VERB
cblr-14253	779	20	how	how	SCONJ
cblr-14253	779	21	much	much	ADJ
cblr-14253	779	22	money	money	NOUN
cblr-14253	779	23	they	they	PRON
cblr-14253	779	24	are	be	AUX
cblr-14253	779	25	willing	willing	ADJ
cblr-14253	779	26	to	to	PART
cblr-14253	779	27	lend	lend	VERB
cblr-14253	779	28	.	.	PUNCT
cblr-14253	780	1	judges	judge	NOUN
cblr-14253	780	2	in	in	ADP
cblr-14253	780	3	divorce	divorce	NOUN
cblr-14253	780	4	proceedings	proceeding	NOUN
cblr-14253	780	5	must	must	AUX
cblr-14253	780	6	measure	measure	VERB
cblr-14253	780	7	the	the	DET
cblr-14253	780	8	value	value	NOUN
cblr-14253	780	9	of	of	ADP
cblr-14253	780	10	business	business	NOUN
cblr-14253	780	11	ownership	ownership	NOUN
cblr-14253	780	12	held	hold	VERB
cblr-14253	780	13	as	as	ADP
cblr-14253	780	14	marital	marital	ADJ
cblr-14253	780	15	property	property	NOUN
cblr-14253	780	16	to	to	PART
cblr-14253	780	17	fairly	fairly	ADV
cblr-14253	780	18	divide	divide	VERB
cblr-14253	780	19	the	the	DET
cblr-14253	780	20	divorcing	divorce	VERB
cblr-14253	780	21	couple	couple	NOUN
cblr-14253	780	22	’s	’s	PART
cblr-14253	780	23	assets.146	assets.146	NOUN
cblr-14253	780	24	bankruptcy	bankruptcy	NOUN
cblr-14253	780	25	courts	court	NOUN
cblr-14253	780	26	often	often	ADV
cblr-14253	780	27	must	must	AUX
cblr-14253	780	28	determine	determine	VERB
cblr-14253	780	29	the	the	DET
cblr-14253	780	30	value	value	NOUN
cblr-14253	780	31	of	of	ADP
cblr-14253	780	32	businesses	business	NOUN
cblr-14253	780	33	,	,	PUNCT
cblr-14253	780	34	including	include	VERB
cblr-14253	780	35	,	,	PUNCT
cblr-14253	780	36	for	for	ADP
cblr-14253	780	37	example	example	NOUN
cblr-14253	780	38	,	,	PUNCT
cblr-14253	780	39	when	when	SCONJ
cblr-14253	780	40	bifurcating	bifurcate	VERB
cblr-14253	780	41	a	a	DET
cblr-14253	780	42	creditor	creditor	NOUN
cblr-14253	780	43	’s	’s	PART
cblr-14253	780	44	secured	secured	ADJ
cblr-14253	780	45	claim	claim	NOUN
cblr-14253	780	46	against	against	ADP
cblr-14253	780	47	ownership	ownership	NOUN
cblr-14253	780	48	142	142	NUM
cblr-14253	780	49	see	see	VERB
cblr-14253	780	50	26	26	NUM
cblr-14253	780	51	c.f.r	c.f.r	NOUN
cblr-14253	780	52	.	.	PUNCT
cblr-14253	781	1	§	§	PROPN
cblr-14253	781	2	25.2512	25.2512	NUM
cblr-14253	781	3	-	-	SYM
cblr-14253	781	4	3	3	NUM
cblr-14253	781	5	(	(	PUNCT
cblr-14253	781	6	irs	irs	PROPN
cblr-14253	781	7	regulation	regulation	NOUN
cblr-14253	781	8	on	on	ADP
cblr-14253	781	9	valuation	valuation	NOUN
cblr-14253	781	10	of	of	ADP
cblr-14253	781	11	an	an	DET
cblr-14253	781	12	interest	interest	NOUN
cblr-14253	781	13	in	in	ADP
cblr-14253	781	14	business	business	NOUN
cblr-14253	781	15	)	)	PUNCT
cblr-14253	781	16	.	.	PUNCT
cblr-14253	782	1	143	143	NUM
cblr-14253	782	2	12	12	NUM
cblr-14253	782	3	.	.	PUNCT
cblr-14253	783	1	u.s.c	u.s.c	ADJ
cblr-14253	783	2	.	.	PUNCT
cblr-14253	784	1	§	§	PROPN
cblr-14253	784	2	2607(a	2607(a	NUM
cblr-14253	784	3	)	)	PUNCT
cblr-14253	784	4	.	.	PUNCT
cblr-14253	785	1	144	144	NUM
cblr-14253	785	2	12	12	NUM
cblr-14253	785	3	c.f.r	c.f.r	NOUN
cblr-14253	785	4	.	.	PUNCT
cblr-14253	786	1	§	§	PROPN
cblr-14253	786	2	1024.14(d	1024.14(d	NUM
cblr-14253	786	3	)	)	PUNCT
cblr-14253	786	4	.	.	PUNCT
cblr-14253	787	1	145	145	NUM
cblr-14253	787	2	marc	marc	PROPN
cblr-14253	787	3	goedhart	goedhart	PROPN
cblr-14253	787	4	&	&	CCONJ
cblr-14253	787	5	tim	tim	PROPN
cblr-14253	787	6	koller	koller	PROPN
cblr-14253	787	7	,	,	PUNCT
cblr-14253	787	8	valuation	valuation	NOUN
cblr-14253	787	9	workbook	workbook	NOUN
cblr-14253	787	10	:	:	PUNCT
cblr-14253	787	11	step	step	NOUN
cblr-14253	787	12	-	-	PUNCT
cblr-14253	787	13	bystep	bystep	NOUN
cblr-14253	787	14	exercises	exercise	NOUN
cblr-14253	787	15	and	and	CCONJ
cblr-14253	787	16	tests	test	NOUN
cblr-14253	787	17	to	to	PART
cblr-14253	787	18	help	help	VERB
cblr-14253	787	19	you	you	PRON
cblr-14253	787	20	master	master	NOUN
cblr-14253	787	21	valuation	valuation	NOUN
cblr-14253	787	22	,	,	PUNCT
cblr-14253	787	23	at	at	ADP
cblr-14253	787	24	xi	xi	PROPN
cblr-14253	787	25	(	(	PUNCT
cblr-14253	787	26	5th	5th	ADJ
cblr-14253	787	27	ed	ed	NOUN
cblr-14253	787	28	.	.	PROPN
cblr-14253	787	29	2011	2011	NUM
cblr-14253	787	30	)	)	PUNCT
cblr-14253	787	31	.	.	PUNCT
cblr-14253	788	1	146	146	NUM
cblr-14253	788	2	see	see	VERB
cblr-14253	788	3	robert	robert	PROPN
cblr-14253	788	4	d.	d.	PROPN
cblr-14253	788	5	feder	feder	PROPN
cblr-14253	788	6	,	,	PUNCT
cblr-14253	788	7	charles	charles	PROPN
cblr-14253	788	8	t.	t.	PROPN
cblr-14253	788	9	rosoff	rosoff	PROPN
cblr-14253	788	10	&	&	CCONJ
cblr-14253	788	11	aleza	aleza	PROPN
cblr-14253	788	12	tadri	tadri	PROPN
cblr-14253	788	13	,	,	PUNCT
cblr-14253	788	14	valuation	valuation	NOUN
cblr-14253	788	15	strategies	strategy	NOUN
cblr-14253	788	16	in	in	ADP
cblr-14253	788	17	divorce	divorce	NOUN
cblr-14253	788	18	(	(	PUNCT
cblr-14253	788	19	4th	4th	ADJ
cblr-14253	788	20	ed	ed	NOUN
cblr-14253	788	21	.	.	PROPN
cblr-14253	788	22	2012	2012	NUM
cblr-14253	788	23	)	)	PUNCT
cblr-14253	788	24	;	;	PUNCT
cblr-14253	788	25	business	business	NOUN
cblr-14253	788	26	valuation	valuation	NOUN
cblr-14253	788	27	in	in	ADP
cblr-14253	788	28	divorce	divorce	NOUN
cblr-14253	788	29	:	:	PUNCT
cblr-14253	788	30	a	a	DET
cblr-14253	788	31	case	case	NOUN
cblr-14253	788	32	aba	aba	PROPN
cblr-14253	788	33	compendium	compendium	NOUN
cblr-14253	788	34	(	(	PUNCT
cblr-14253	788	35	monique	monique	PROPN
cblr-14253	788	36	nijhout	nijhout	PROPN
cblr-14253	788	37	-	-	PUNCT
cblr-14253	788	38	rowe	rowe	PROPN
cblr-14253	788	39	&	&	CCONJ
cblr-14253	788	40	david	david	PROPN
cblr-14253	788	41	solomon	solomon	PROPN
cblr-14253	788	42	eds	eds	PROPN
cblr-14253	788	43	.	.	PROPN
cblr-14253	788	44	,	,	PUNCT
cblr-14253	788	45	bus	bus	NOUN
cblr-14253	788	46	.	.	PUNCT
cblr-14253	789	1	valuation	valuation	NOUN
cblr-14253	789	2	res	re	NOUN
cblr-14253	789	3	.	.	PUNCT
cblr-14253	789	4	,	,	PUNCT
cblr-14253	789	5	5th	5th	ADJ
cblr-14253	789	6	ed	ed	NOUN
cblr-14253	789	7	.	.	PUNCT
cblr-14253	789	8	2020	2020	NUM
cblr-14253	789	9	)	)	PUNCT
cblr-14253	789	10	;	;	PUNCT
cblr-14253	789	11	j.	j.	PROPN
cblr-14253	789	12	thomas	thomas	PROPN
cblr-14253	789	13	oldham	oldham	PROPN
cblr-14253	789	14	,	,	PUNCT
cblr-14253	789	15	divorce	divorce	NOUN
cblr-14253	789	16	,	,	PUNCT
cblr-14253	789	17	separation	separation	NOUN
cblr-14253	789	18	and	and	CCONJ
cblr-14253	789	19	the	the	DET
cblr-14253	789	20	distribution	distribution	NOUN
cblr-14253	789	21	of	of	ADP
cblr-14253	789	22	property	property	NOUN
cblr-14253	789	23	§	§	PROPN
cblr-14253	789	24	10.01[4	10.01[4	NUM
cblr-14253	789	25	]	]	PUNCT
cblr-14253	789	26	(	(	PUNCT
cblr-14253	789	27	2021	2021	NUM
cblr-14253	789	28	)	)	PUNCT
cblr-14253	789	29	;	;	PUNCT
cblr-14253	789	30	alan	alan	PROPN
cblr-14253	789	31	zipp	zipp	PROPN
cblr-14253	789	32	,	,	PUNCT
cblr-14253	789	33	business	business	NOUN
cblr-14253	789	34	valuation	valuation	NOUN
cblr-14253	789	35	standard	standard	NOUN
cblr-14253	789	36	for	for	ADP
cblr-14253	789	37	divorce	divorce	NOUN
cblr-14253	789	38	,	,	PUNCT
cblr-14253	789	39	11	11	NUM
cblr-14253	789	40	am	am	NOUN
cblr-14253	789	41	.	.	PUNCT
cblr-14253	790	1	j.	j.	PROPN
cblr-14253	790	2	fam	fam	PROPN
cblr-14253	790	3	.	.	PUNCT
cblr-14253	791	1	l.	l.	PROPN
cblr-14253	791	2	167	167	NUM
cblr-14253	791	3	(	(	PUNCT
cblr-14253	791	4	1997	1997	NUM
cblr-14253	791	5	)	)	PUNCT
cblr-14253	791	6	.	.	PUNCT
cblr-14253	792	1	436	436	NUM
cblr-14253	792	2	columbia	columbia	PROPN
cblr-14253	792	3	business	business	NOUN
cblr-14253	792	4	law	law	PROPN
cblr-14253	792	5	review	review	NOUN
cblr-14253	792	6	[	[	X
cblr-14253	792	7	vol	vol	NOUN
cblr-14253	792	8	.	.	PUNCT
cblr-14253	792	9	2025	2025	NUM
cblr-14253	792	10	shares	share	NOUN
cblr-14253	792	11	pledged	pledge	VERB
cblr-14253	792	12	by	by	ADP
cblr-14253	792	13	a	a	DET
cblr-14253	792	14	bankrupt	bankrupt	ADJ
cblr-14253	792	15	debtor	debtor	NOUN
cblr-14253	792	16	as	as	ADP
cblr-14253	792	17	collateral.147	collateral.147	NOUN
cblr-14253	792	18	and	and	CCONJ
cblr-14253	792	19	the	the	DET
cblr-14253	792	20	value	value	NOUN
cblr-14253	792	21	of	of	ADP
cblr-14253	792	22	ownership	ownership	NOUN
cblr-14253	792	23	shares	share	NOUN
cblr-14253	792	24	in	in	ADP
cblr-14253	792	25	a	a	DET
cblr-14253	792	26	business	business	NOUN
cblr-14253	792	27	regularly	regularly	ADV
cblr-14253	792	28	arises	arise	VERB
cblr-14253	792	29	in	in	ADP
cblr-14253	792	30	tax	tax	NOUN
cblr-14253	792	31	law	law	NOUN
cblr-14253	792	32	—	—	PUNCT
cblr-14253	792	33	indeed	indeed	ADV
cblr-14253	792	34	,	,	PUNCT
cblr-14253	792	35	there	there	PRON
cblr-14253	792	36	are	be	VERB
cblr-14253	792	37	several	several	ADJ
cblr-14253	792	38	hundred	hundred	NUM
cblr-14253	792	39	sections	section	NOUN
cblr-14253	792	40	of	of	ADP
cblr-14253	792	41	the	the	DET
cblr-14253	792	42	tax	tax	NOUN
cblr-14253	792	43	code	code	NOUN
cblr-14253	792	44	that	that	PRON
cblr-14253	792	45	require	require	VERB
cblr-14253	792	46	determination	determination	NOUN
cblr-14253	792	47	of	of	ADP
cblr-14253	792	48	fair	fair	ADJ
cblr-14253	792	49	-	-	PUNCT
cblr-14253	792	50	market	market	NOUN
cblr-14253	792	51	value.148	value.148	NOUN
cblr-14253	792	52	accounting	accounting	NOUN
cblr-14253	792	53	and	and	CCONJ
cblr-14253	792	54	finance	finance	NOUN
cblr-14253	792	55	professionals	professional	NOUN
cblr-14253	792	56	responding	respond	VERB
cblr-14253	792	57	to	to	ADP
cblr-14253	792	58	these	these	DET
cblr-14253	792	59	market	market	NOUN
cblr-14253	792	60	and	and	CCONJ
cblr-14253	792	61	legal	legal	ADJ
cblr-14253	792	62	needs	need	NOUN
cblr-14253	792	63	have	have	AUX
cblr-14253	792	64	devised	devise	VERB
cblr-14253	792	65	a	a	DET
cblr-14253	792	66	variety	variety	NOUN
cblr-14253	792	67	of	of	ADP
cblr-14253	792	68	strategies	strategy	NOUN
cblr-14253	792	69	for	for	ADP
cblr-14253	792	70	measuring	measure	VERB
cblr-14253	792	71	fair	fair	ADJ
cblr-14253	792	72	-	-	PUNCT
cblr-14253	792	73	market	market	NOUN
cblr-14253	792	74	value	value	NOUN
cblr-14253	792	75	of	of	ADP
cblr-14253	792	76	businesses	business	NOUN
cblr-14253	792	77	.	.	PUNCT
cblr-14253	793	1	many	many	ADJ
cblr-14253	793	2	books	book	NOUN
cblr-14253	793	3	have	have	AUX
cblr-14253	793	4	been	be	AUX
cblr-14253	793	5	written	write	VERB
cblr-14253	793	6	about	about	ADP
cblr-14253	793	7	business	business	NOUN
cblr-14253	793	8	valuation.149	valuation.149	NOUN
cblr-14253	793	9	and	and	CCONJ
cblr-14253	793	10	while	while	SCONJ
cblr-14253	793	11	it	it	PRON
cblr-14253	793	12	is	be	AUX
cblr-14253	793	13	beyond	beyond	ADP
cblr-14253	793	14	the	the	DET
cblr-14253	793	15	scope	scope	NOUN
cblr-14253	793	16	of	of	ADP
cblr-14253	793	17	this	this	DET
cblr-14253	793	18	article	article	NOUN
cblr-14253	793	19	to	to	PART
cblr-14253	793	20	decide	decide	VERB
cblr-14253	793	21	which	which	DET
cblr-14253	793	22	method	method	NOUN
cblr-14253	793	23	is	be	AUX
cblr-14253	793	24	best	good	ADJ
cblr-14253	793	25	,	,	PUNCT
cblr-14253	793	26	there	there	PRON
cblr-14253	793	27	can	can	AUX
cblr-14253	793	28	be	be	AUX
cblr-14253	793	29	no	no	DET
cblr-14253	793	30	doubt	doubt	NOUN
cblr-14253	793	31	that	that	SCONJ
cblr-14253	793	32	qualified	qualified	ADJ
cblr-14253	793	33	accounting	accounting	NOUN
cblr-14253	793	34	,	,	PUNCT
cblr-14253	793	35	finance	finance	NOUN
cblr-14253	793	36	,	,	PUNCT
cblr-14253	793	37	and	and	CCONJ
cblr-14253	793	38	economic	economic	ADJ
cblr-14253	793	39	experts	expert	NOUN
cblr-14253	793	40	are	be	AUX
cblr-14253	793	41	fully	fully	ADV
cblr-14253	793	42	capable	capable	ADJ
cblr-14253	793	43	of	of	ADP
cblr-14253	793	44	adapting	adapt	VERB
cblr-14253	793	45	existing	exist	VERB
cblr-14253	793	46	business	business	NOUN
cblr-14253	793	47	-	-	PUNCT
cblr-14253	793	48	valuation	valuation	NOUN
cblr-14253	793	49	techniques	technique	NOUN
cblr-14253	793	50	to	to	ADP
cblr-14253	793	51	real	real	ADJ
cblr-14253	793	52	-	-	PUNCT
cblr-14253	793	53	estate	estate	NOUN
cblr-14253	793	54	-	-	PUNCT
cblr-14253	793	55	settlement	settlement	NOUN
cblr-14253	793	56	jointventure	jointventure	NOUN
cblr-14253	793	57	formation	formation	NOUN
cblr-14253	793	58	.	.	PUNCT
cblr-14253	794	1	some	some	DET
cblr-14253	794	2	real	real	ADJ
cblr-14253	794	3	-	-	PUNCT
cblr-14253	794	4	estate	estate	NOUN
cblr-14253	794	5	-	-	PUNCT
cblr-14253	794	6	industry	industry	NOUN
cblr-14253	794	7	compliance	compliance	NOUN
cblr-14253	794	8	attorneys	attorney	NOUN
cblr-14253	794	9	publicly	publicly	ADV
cblr-14253	794	10	advise	advise	VERB
cblr-14253	794	11	their	their	PRON
cblr-14253	794	12	clients	client	NOUN
cblr-14253	794	13	that	that	SCONJ
cblr-14253	794	14	joint	joint	ADJ
cblr-14253	794	15	ventures	venture	NOUN
cblr-14253	794	16	are	be	AUX
cblr-14253	794	17	respacompliant	respacompliant	ADJ
cblr-14253	794	18	when	when	SCONJ
cblr-14253	794	19	owners	owner	NOUN
cblr-14253	794	20	collectively	collectively	ADV
cblr-14253	794	21	invest	invest	VERB
cblr-14253	794	22	six	six	NUM
cblr-14253	794	23	months	month	NOUN
cblr-14253	794	24	of	of	ADP
cblr-14253	794	25	operating	operate	VERB
cblr-14253	794	26	expenses.150	expenses.150	PROPN
cblr-14253	795	1	but	but	CCONJ
cblr-14253	795	2	this	this	PRON
cblr-14253	795	3	is	be	AUX
cblr-14253	795	4	likely	likely	ADV
cblr-14253	795	5	insufficient	insufficient	ADJ
cblr-14253	795	6	and	and	CCONJ
cblr-14253	795	7	misses	miss	VERB
cblr-14253	795	8	the	the	DET
cblr-14253	795	9	147	147	NUM
cblr-14253	795	10	11	11	NUM
cblr-14253	795	11	u.s.c	u.s.c	NOUN
cblr-14253	795	12	.	.	PUNCT
cblr-14253	796	1	§	§	PROPN
cblr-14253	796	2	506(a)(1	506(a)(1	NUM
cblr-14253	796	3	)	)	PUNCT
cblr-14253	796	4	.	.	PUNCT
cblr-14253	797	1	see	see	VERB
cblr-14253	797	2	also	also	ADV
cblr-14253	797	3	ian	ian	PROPN
cblr-14253	797	4	ratner	ratner	PROPN
cblr-14253	797	5	,	,	PUNCT
cblr-14253	797	6	grant	grant	PROPN
cblr-14253	797	7	stein	stein	PROPN
cblr-14253	797	8	&	&	CCONJ
cblr-14253	797	9	john	john	PROPN
cblr-14253	797	10	c.	c.	PROPN
cblr-14253	797	11	weitnauer	weitnauer	PROPN
cblr-14253	797	12	,	,	PUNCT
cblr-14253	797	13	business	business	NOUN
cblr-14253	797	14	valuation	valuation	NOUN
cblr-14253	797	15	and	and	CCONJ
cblr-14253	797	16	bankruptcy	bankruptcy	NOUN
cblr-14253	797	17	(	(	PUNCT
cblr-14253	797	18	2012	2012	NUM
cblr-14253	797	19	)	)	PUNCT
cblr-14253	797	20	(	(	PUNCT
cblr-14253	797	21	exploring	explore	VERB
cblr-14253	797	22	business	business	NOUN
cblr-14253	797	23	valuation	valuation	NOUN
cblr-14253	797	24	techniques	technique	NOUN
cblr-14253	797	25	for	for	ADP
cblr-14253	797	26	many	many	ADJ
cblr-14253	797	27	bankruptcy	bankruptcy	NOUN
cblr-14253	797	28	-	-	PUNCT
cblr-14253	797	29	related	relate	VERB
cblr-14253	797	30	issues	issue	NOUN
cblr-14253	797	31	)	)	PUNCT
cblr-14253	797	32	.	.	PUNCT
cblr-14253	798	1	148	148	NUM
cblr-14253	798	2	see	see	VERB
cblr-14253	798	3	david	david	PROPN
cblr-14253	798	4	laro	laro	PROPN
cblr-14253	798	5	&	&	CCONJ
cblr-14253	798	6	shannon	shannon	PROPN
cblr-14253	798	7	p.	p.	PROPN
cblr-14253	798	8	pratt	pratt	PROPN
cblr-14253	798	9	,	,	PUNCT
cblr-14253	798	10	business	business	NOUN
cblr-14253	798	11	valuation	valuation	NOUN
cblr-14253	798	12	and	and	CCONJ
cblr-14253	798	13	taxes	taxis	NOUN
cblr-14253	798	14	:	:	PUNCT
cblr-14253	798	15	procedure	procedure	NOUN
cblr-14253	798	16	,	,	PUNCT
cblr-14253	798	17	law	law	NOUN
cblr-14253	798	18	,	,	PUNCT
cblr-14253	798	19	and	and	CCONJ
cblr-14253	798	20	perspective	perspective	NOUN
cblr-14253	798	21	7	7	NUM
cblr-14253	798	22	(	(	PUNCT
cblr-14253	798	23	2005	2005	NUM
cblr-14253	798	24	)	)	PUNCT
cblr-14253	798	25	(	(	PUNCT
cblr-14253	798	26	“	"	PUNCT
cblr-14253	798	27	it	it	PRON
cblr-14253	798	28	is	be	AUX
cblr-14253	798	29	estimated	estimate	VERB
cblr-14253	798	30	that	that	SCONJ
cblr-14253	798	31	there	there	PRON
cblr-14253	798	32	are	be	VERB
cblr-14253	798	33	several	several	ADJ
cblr-14253	798	34	hundred	hundred	NUM
cblr-14253	798	35	sections	section	NOUN
cblr-14253	798	36	in	in	ADP
cblr-14253	798	37	the	the	DET
cblr-14253	798	38	[	[	X
cblr-14253	798	39	tax	tax	NOUN
cblr-14253	798	40	]	]	X
cblr-14253	798	41	code	code	NOUN
cblr-14253	798	42	that	that	PRON
cblr-14253	798	43	involve	involve	VERB
cblr-14253	798	44	fair	fair	ADJ
cblr-14253	798	45	market	market	NOUN
cblr-14253	798	46	value	value	NOUN
cblr-14253	798	47	in	in	ADP
cblr-14253	798	48	one	one	NUM
cblr-14253	798	49	manner	manner	NOUN
cblr-14253	798	50	or	or	CCONJ
cblr-14253	798	51	other	other	ADJ
cblr-14253	798	52	.	.	PUNCT
cblr-14253	798	53	”	"	PUNCT
cblr-14253	798	54	)	)	PUNCT
cblr-14253	798	55	.	.	PUNCT
cblr-14253	799	1	149	149	NUM
cblr-14253	799	2	see	see	VERB
cblr-14253	799	3	,	,	PUNCT
cblr-14253	799	4	e.g.	e.g.	ADV
cblr-14253	799	5	,	,	PUNCT
cblr-14253	799	6	jay	jay	PROPN
cblr-14253	799	7	b.	b.	PROPN
cblr-14253	799	8	abrams	abrams	PROPN
cblr-14253	799	9	,	,	PUNCT
cblr-14253	799	10	quantitative	quantitative	ADJ
cblr-14253	799	11	business	business	NOUN
cblr-14253	799	12	valuation	valuation	NOUN
cblr-14253	799	13	:	:	PUNCT
cblr-14253	799	14	a	a	DET
cblr-14253	799	15	mathematical	mathematical	ADJ
cblr-14253	799	16	approach	approach	NOUN
cblr-14253	799	17	for	for	ADP
cblr-14253	799	18	today	today	NOUN
cblr-14253	799	19	’s	’s	PART
cblr-14253	799	20	professionals	professional	NOUN
cblr-14253	799	21	(	(	PUNCT
cblr-14253	799	22	2d	2d	PROPN
cblr-14253	799	23	ed	ed	NOUN
cblr-14253	799	24	.	.	PUNCT
cblr-14253	799	25	2010	2010	NUM
cblr-14253	799	26	)	)	PUNCT
cblr-14253	799	27	;	;	PUNCT
cblr-14253	799	28	gregory	gregory	PROPN
cblr-14253	799	29	r.	r.	PROPN
cblr-14253	799	30	caruso	caruso	PROPN
cblr-14253	799	31	,	,	PUNCT
cblr-14253	799	32	the	the	DET
cblr-14253	799	33	art	art	NOUN
cblr-14253	799	34	of	of	ADP
cblr-14253	799	35	business	business	NOUN
cblr-14253	799	36	valuation	valuation	NOUN
cblr-14253	799	37	:	:	PUNCT
cblr-14253	799	38	accurately	accurately	ADV
cblr-14253	799	39	valuing	value	VERB
cblr-14253	799	40	a	a	DET
cblr-14253	799	41	small	small	ADJ
cblr-14253	799	42	business	business	NOUN
cblr-14253	799	43	(	(	PUNCT
cblr-14253	799	44	2020	2020	NUM
cblr-14253	799	45	)	)	PUNCT
cblr-14253	799	46	;	;	PUNCT
cblr-14253	799	47	paul	paul	PROPN
cblr-14253	799	48	l.	l.	PROPN
cblr-14253	799	49	hood	hood	PROPN
cblr-14253	799	50	,	,	PUNCT
cblr-14253	799	51	jr	jr	PROPN
cblr-14253	799	52	.	.	PROPN
cblr-14253	799	53	&	&	CCONJ
cblr-14253	799	54	timothy	timothy	PROPN
cblr-14253	799	55	r.	r.	PROPN
cblr-14253	799	56	lee	lee	PROPN
cblr-14253	799	57	,	,	PUNCT
cblr-14253	799	58	a	a	DET
cblr-14253	799	59	reviewer	reviewer	NOUN
cblr-14253	799	60	's	's	PART
cblr-14253	799	61	handbook	handbook	NOUN
cblr-14253	799	62	to	to	ADP
cblr-14253	799	63	business	business	NOUN
cblr-14253	799	64	valuation	valuation	NOUN
cblr-14253	799	65	:	:	PUNCT
cblr-14253	799	66	practical	practical	ADJ
cblr-14253	799	67	guidance	guidance	NOUN
cblr-14253	799	68	to	to	ADP
cblr-14253	799	69	the	the	DET
cblr-14253	799	70	use	use	NOUN
cblr-14253	799	71	and	and	CCONJ
cblr-14253	799	72	abuse	abuse	NOUN
cblr-14253	799	73	of	of	ADP
cblr-14253	799	74	a	a	DET
cblr-14253	799	75	business	business	NOUN
cblr-14253	799	76	appraisal	appraisal	NOUN
cblr-14253	799	77	(	(	PUNCT
cblr-14253	799	78	6th	6th	ADJ
cblr-14253	799	79	ed	ed	NOUN
cblr-14253	799	80	.	.	PROPN
cblr-14253	799	81	2011	2011	NUM
cblr-14253	799	82	)	)	PUNCT
cblr-14253	799	83	;	;	PUNCT
cblr-14253	799	84	christopher	christopher	PROPN
cblr-14253	799	85	z.	z.	PROPN
cblr-14253	799	86	mercer	mercer	PROPN
cblr-14253	799	87	&	&	CCONJ
cblr-14253	799	88	travis	travis	PROPN
cblr-14253	799	89	w.	w.	PROPN
cblr-14253	799	90	harms	harm	NOUN
cblr-14253	799	91	,	,	PUNCT
cblr-14253	799	92	business	business	NOUN
cblr-14253	799	93	valuation	valuation	NOUN
cblr-14253	799	94	:	:	PUNCT
cblr-14253	799	95	an	an	DET
cblr-14253	799	96	integrated	integrated	ADJ
cblr-14253	799	97	theory	theory	NOUN
cblr-14253	799	98	(	(	PUNCT
cblr-14253	799	99	3d	3d	PROPN
cblr-14253	799	100	ed	ed	NOUN
cblr-14253	799	101	.	.	PROPN
cblr-14253	799	102	2021	2021	NUM
cblr-14253	799	103	)	)	PUNCT
cblr-14253	799	104	;	;	PUNCT
cblr-14253	799	105	shannon	shannon	PROPN
cblr-14253	799	106	p.	p.	PROPN
cblr-14253	799	107	pratt	pratt	PROPN
cblr-14253	799	108	,	,	PUNCT
cblr-14253	799	109	business	business	NOUN
cblr-14253	799	110	valuation	valuation	NOUN
cblr-14253	799	111	discounts	discount	NOUN
cblr-14253	799	112	and	and	CCONJ
cblr-14253	799	113	premiums	premium	NOUN
cblr-14253	799	114	(	(	PUNCT
cblr-14253	799	115	2d	2d	NUM
cblr-14253	799	116	ed	ed	NOUN
cblr-14253	799	117	.	.	PUNCT
cblr-14253	799	118	2009	2009	NUM
cblr-14253	799	119	)	)	PUNCT
cblr-14253	799	120	;	;	PUNCT
cblr-14253	799	121	jeffrey	jeffrey	PROPN
cblr-14253	799	122	m.	m.	PROPN
cblr-14253	799	123	risius	risius	PROPN
cblr-14253	799	124	,	,	PUNCT
cblr-14253	799	125	business	business	NOUN
cblr-14253	799	126	valuation	valuation	NOUN
cblr-14253	799	127	,	,	PUNCT
cblr-14253	799	128	a	a	DET
cblr-14253	799	129	primer	primer	NOUN
cblr-14253	799	130	for	for	ADP
cblr-14253	799	131	the	the	DET
cblr-14253	799	132	legal	legal	ADJ
cblr-14253	799	133	professional	professional	NOUN
cblr-14253	799	134	(	(	PUNCT
cblr-14253	799	135	2007	2007	NUM
cblr-14253	799	136	)	)	PUNCT
cblr-14253	799	137	;	;	PUNCT
cblr-14253	799	138	roger	roger	PROPN
cblr-14253	799	139	tiest	tiest	PROPN
cblr-14253	799	140	,	,	PUNCT
cblr-14253	799	141	business	business	NOUN
cblr-14253	799	142	valuation	valuation	NOUN
cblr-14253	799	143	for	for	ADP
cblr-14253	799	144	small	small	ADJ
cblr-14253	799	145	and	and	CCONJ
cblr-14253	799	146	medium	medium	ADJ
cblr-14253	799	147	-	-	PUNCT
cblr-14253	799	148	sized	sized	ADJ
cblr-14253	799	149	companies	company	NOUN
cblr-14253	799	150	:	:	PUNCT
cblr-14253	799	151	due	due	ADJ
cblr-14253	799	152	diligence	diligence	NOUN
cblr-14253	799	153	and	and	CCONJ
cblr-14253	799	154	valuation	valuation	NOUN
cblr-14253	799	155	techniques	technique	NOUN
cblr-14253	799	156	(	(	PUNCT
cblr-14253	799	157	2013	2013	NUM
cblr-14253	799	158	)	)	PUNCT
cblr-14253	799	159	.	.	PUNCT
cblr-14253	800	1	150	150	NUM
cblr-14253	800	2	sue	sue	NOUN
cblr-14253	800	3	johnson	johnson	PROPN
cblr-14253	800	4	,	,	PUNCT
cblr-14253	800	5	thinking	think	VERB
cblr-14253	800	6	about	about	ADP
cblr-14253	800	7	a	a	DET
cblr-14253	800	8	joint	joint	ADJ
cblr-14253	800	9	venture	venture	NOUN
cblr-14253	800	10	?	?	PUNCT
cblr-14253	801	1	remember	remember	VERB
cblr-14253	801	2	the	the	DET
cblr-14253	801	3	respa	respa	PROPN
cblr-14253	801	4	rules	rule	NOUN
cblr-14253	801	5	,	,	PUNCT
cblr-14253	801	6	real	real	ADJ
cblr-14253	801	7	trends	trend	NOUN
cblr-14253	801	8	(	(	PUNCT
cblr-14253	801	9	oct	oct	PROPN
cblr-14253	801	10	.	.	PROPN
cblr-14253	801	11	22	22	NUM
cblr-14253	801	12	,	,	PUNCT
cblr-14253	801	13	2021	2021	NUM
cblr-14253	801	14	)	)	PUNCT
cblr-14253	801	15	,	,	PUNCT
cblr-14253	801	16	https://www.realtrends.com/articles/thinking-about-a-joint-ventureremember-the-respa-rules/	https://www.realtrends.com/articles/thinking-about-a-joint-ventureremember-the-respa-rules/	NOUN
cblr-14253	802	1	[	[	X
cblr-14253	802	2	https://perma.cc/gj7p-qewc	https://perma.cc/gj7p-qewc	X
cblr-14253	802	3	]	]	X
cblr-14253	802	4	(	(	PUNCT
cblr-14253	802	5	“	"	PUNCT
cblr-14253	802	6	[	[	X
cblr-14253	802	7	m]any	m]any	NOUN
cblr-14253	802	8	respa	respa	NOUN
cblr-14253	802	9	attorneys	attorney	NOUN
cblr-14253	802	10	recommend	recommend	VERB
cblr-14253	802	11	an	an	DET
cblr-14253	802	12	investment	investment	NOUN
cblr-14253	802	13	covering	cover	VERB
cblr-14253	802	14	start	start	NOUN
cblr-14253	802	15	-	-	PUNCT
cblr-14253	802	16	up	up	ADP
cblr-14253	802	17	costs	cost	NOUN
cblr-14253	802	18	and	and	CCONJ
cblr-14253	802	19	six	six	NUM
cblr-14253	802	20	months	month	NOUN
cblr-14253	802	21	of	of	ADP
cblr-14253	802	22	expenses	expense	NOUN
cblr-14253	802	23	.	.	PUNCT
cblr-14253	802	24	”	"	PUNCT
cblr-14253	802	25	)	)	PUNCT
cblr-14253	802	26	.	.	PUNCT
cblr-14253	803	1	no	no	INTJ
cblr-14253	803	2	.	.	NOUN
cblr-14253	804	1	1	1	NUM
cblr-14253	804	2	]	]	PUNCT
cblr-14253	804	3	corrupt	corrupt	ADJ
cblr-14253	804	4	joint	joint	ADJ
cblr-14253	804	5	ventures	venture	NOUN
cblr-14253	804	6	437	437	NUM
cblr-14253	804	7	essential	essential	ADJ
cblr-14253	804	8	underlying	underlying	ADJ
cblr-14253	804	9	policy	policy	NOUN
cblr-14253	804	10	that	that	PRON
cblr-14253	804	11	animates	animate	VERB
cblr-14253	804	12	respa	respa	NOUN
cblr-14253	804	13	and	and	CCONJ
cblr-14253	804	14	regulation	regulation	NOUN
cblr-14253	804	15	x.	x.	NOUN
cblr-14253	804	16	six	six	NUM
cblr-14253	804	17	months	month	NOUN
cblr-14253	804	18	’	'	PUNCT
cblr-14253	804	19	operating	operating	NOUN
cblr-14253	804	20	expenses	expense	NOUN
cblr-14253	804	21	bear	bear	VERB
cblr-14253	804	22	little	little	ADJ
cblr-14253	804	23	relationship	relationship	NOUN
cblr-14253	804	24	to	to	ADP
cblr-14253	804	25	the	the	DET
cblr-14253	804	26	value	value	NOUN
cblr-14253	804	27	of	of	ADP
cblr-14253	804	28	dividends	dividend	NOUN
cblr-14253	804	29	if	if	SCONJ
cblr-14253	804	30	most	most	ADJ
cblr-14253	804	31	of	of	ADP
cblr-14253	804	32	the	the	DET
cblr-14253	804	33	joint	joint	ADJ
cblr-14253	804	34	venture	venture	NOUN
cblr-14253	804	35	’s	’s	PART
cblr-14253	804	36	costs	cost	NOUN
cblr-14253	804	37	are	be	AUX
cblr-14253	804	38	borne	bear	VERB
cblr-14253	804	39	by	by	ADP
cblr-14253	804	40	the	the	DET
cblr-14253	804	41	established	establish	VERB
cblr-14253	804	42	title	title	NOUN
cblr-14253	804	43	company	company	NOUN
cblr-14253	804	44	or	or	CCONJ
cblr-14253	804	45	mortgage	mortgage	NOUN
cblr-14253	804	46	lender	lender	NOUN
cblr-14253	804	47	that	that	PRON
cblr-14253	804	48	sponsors	sponsor	VERB
cblr-14253	804	49	the	the	DET
cblr-14253	804	50	joint	joint	ADJ
cblr-14253	804	51	venture	venture	NOUN
cblr-14253	804	52	.	.	PUNCT
cblr-14253	805	1	a	a	DET
cblr-14253	805	2	six	six	NUM
cblr-14253	805	3	-	-	PUNCT
cblr-14253	805	4	month	month	NOUN
cblr-14253	805	5	rule	rule	NOUN
cblr-14253	805	6	of	of	ADP
cblr-14253	805	7	thumb	thumb	NOUN
cblr-14253	805	8	is	be	AUX
cblr-14253	805	9	also	also	ADV
cblr-14253	805	10	inconsistent	inconsistent	ADJ
cblr-14253	805	11	with	with	ADP
cblr-14253	805	12	interpretive	interpretive	ADJ
cblr-14253	805	13	guidance	guidance	NOUN
cblr-14253	805	14	that	that	SCONJ
cblr-14253	805	15	the	the	DET
cblr-14253	805	16	cfpb	cfpb	NOUN
cblr-14253	805	17	has	have	AUX
cblr-14253	805	18	adopted	adopt	VERB
cblr-14253	805	19	in	in	ADP
cblr-14253	805	20	related	related	ADJ
cblr-14253	805	21	contexts	contexts	NOUN
cblr-14253	805	22	.	.	PUNCT
cblr-14253	806	1	for	for	ADP
cblr-14253	806	2	example	example	NOUN
cblr-14253	806	3	,	,	PUNCT
cblr-14253	806	4	in	in	ADP
cblr-14253	806	5	its	its	PRON
cblr-14253	806	6	guidance	guidance	NOUN
cblr-14253	806	7	on	on	ADP
cblr-14253	806	8	continuing	continue	VERB
cblr-14253	806	9	-	-	PUNCT
cblr-14253	806	10	education	education	NOUN
cblr-14253	806	11	courses	course	NOUN
cblr-14253	806	12	sponsored	sponsor	VERB
cblr-14253	806	13	by	by	ADP
cblr-14253	806	14	title	title	NOUN
cblr-14253	806	15	companies	company	NOUN
cblr-14253	806	16	,	,	PUNCT
cblr-14253	806	17	the	the	DET
cblr-14253	806	18	cfpb	cfpb	NOUN
cblr-14253	806	19	did	do	AUX
cblr-14253	806	20	not	not	PART
cblr-14253	806	21	create	create	VERB
cblr-14253	806	22	a	a	DET
cblr-14253	806	23	safe	safe	ADJ
cblr-14253	806	24	harbor	harbor	NOUN
cblr-14253	806	25	based	base	VERB
cblr-14253	806	26	on	on	ADP
cblr-14253	806	27	an	an	DET
cblr-14253	806	28	arbitrary	arbitrary	ADJ
cblr-14253	806	29	duration	duration	NOUN
cblr-14253	806	30	—	—	PUNCT
cblr-14253	806	31	say	say	INTJ
cblr-14253	806	32	,	,	PUNCT
cblr-14253	806	33	six	six	NUM
cblr-14253	806	34	continuing	continue	VERB
cblr-14253	806	35	-	-	PUNCT
cblr-14253	806	36	education	education	NOUN
cblr-14253	806	37	credit	credit	NOUN
cblr-14253	806	38	hours	hour	NOUN
cblr-14253	806	39	—	—	PUNCT
cblr-14253	806	40	to	to	PART
cblr-14253	806	41	test	test	VERB
cblr-14253	806	42	whether	whether	SCONJ
cblr-14253	806	43	a	a	DET
cblr-14253	806	44	title	title	NOUN
cblr-14253	806	45	company	company	NOUN
cblr-14253	806	46	is	be	AUX
cblr-14253	806	47	providing	provide	VERB
cblr-14253	806	48	a	a	DET
cblr-14253	806	49	kickback	kickback	NOUN
cblr-14253	806	50	to	to	ADP
cblr-14253	806	51	real	real	ADJ
cblr-14253	806	52	-	-	PUNCT
cblr-14253	806	53	estate	estate	NOUN
cblr-14253	806	54	agents	agent	NOUN
cblr-14253	806	55	.	.	PUNCT
cblr-14253	807	1	instead	instead	ADV
cblr-14253	807	2	,	,	PUNCT
cblr-14253	807	3	real	real	ADJ
cblr-14253	807	4	-	-	PUNCT
cblr-14253	807	5	estate	estate	NOUN
cblr-14253	807	6	agents	agent	NOUN
cblr-14253	807	7	who	who	PRON
cblr-14253	807	8	refer	refer	VERB
cblr-14253	807	9	settlement	settlement	NOUN
cblr-14253	807	10	business	business	NOUN
cblr-14253	807	11	must	must	AUX
cblr-14253	807	12	pay	pay	VERB
cblr-14253	807	13	the	the	DET
cblr-14253	807	14	fair	fair	ADJ
cblr-14253	807	15	-	-	PUNCT
cblr-14253	807	16	market	market	NOUN
cblr-14253	807	17	value	value	NOUN
cblr-14253	807	18	for	for	ADP
cblr-14253	807	19	the	the	DET
cblr-14253	807	20	educational	educational	ADJ
cblr-14253	807	21	course.151	course.151	NOUN
cblr-14253	807	22	so	so	ADV
cblr-14253	807	23	,	,	PUNCT
cblr-14253	807	24	too	too	ADV
cblr-14253	807	25	,	,	PUNCT
cblr-14253	807	26	should	should	AUX
cblr-14253	807	27	referring	refer	VERB
cblr-14253	807	28	agents	agent	NOUN
cblr-14253	807	29	pay	pay	VERB
cblr-14253	807	30	the	the	DET
cblr-14253	807	31	fair	fair	ADJ
cblr-14253	807	32	-	-	PUNCT
cblr-14253	807	33	market	market	NOUN
cblr-14253	807	34	value	value	NOUN
cblr-14253	807	35	for	for	ADP
cblr-14253	807	36	their	their	PRON
cblr-14253	807	37	ownership	ownership	NOUN
cblr-14253	807	38	share	share	NOUN
cblr-14253	807	39	in	in	ADP
cblr-14253	807	40	a	a	DET
cblr-14253	807	41	settlement	settlement	NOUN
cblr-14253	807	42	joint	joint	ADJ
cblr-14253	807	43	venture	venture	NOUN
cblr-14253	807	44	.	.	PUNCT
cblr-14253	808	1	critics	critic	NOUN
cblr-14253	808	2	of	of	ADP
cblr-14253	808	3	a	a	DET
cblr-14253	808	4	fair	fair	ADJ
cblr-14253	808	5	-	-	PUNCT
cblr-14253	808	6	market	market	NOUN
cblr-14253	808	7	-	-	PUNCT
cblr-14253	808	8	value	value	NOUN
cblr-14253	808	9	test	test	NOUN
cblr-14253	808	10	might	might	AUX
cblr-14253	808	11	respond	respond	VERB
cblr-14253	808	12	that	that	SCONJ
cblr-14253	808	13	it	it	PRON
cblr-14253	808	14	is	be	AUX
cblr-14253	808	15	difficult	difficult	ADJ
cblr-14253	808	16	to	to	PART
cblr-14253	808	17	reliably	reliably	ADV
cblr-14253	808	18	establish	establish	VERB
cblr-14253	808	19	a	a	DET
cblr-14253	808	20	business	business	NOUN
cblr-14253	808	21	valuation	valuation	NOUN
cblr-14253	808	22	on	on	ADP
cblr-14253	808	23	new	new	ADJ
cblr-14253	808	24	start	start	NOUN
cblr-14253	808	25	-	-	PUNCT
cblr-14253	808	26	ups	up	NOUN
cblr-14253	808	27	.	.	PUNCT
cblr-14253	809	1	but	but	CCONJ
cblr-14253	809	2	most	most	ADJ
cblr-14253	809	3	real	real	ADJ
cblr-14253	809	4	-	-	PUNCT
cblr-14253	809	5	estate	estate	NOUN
cblr-14253	809	6	joint	joint	ADJ
cblr-14253	809	7	ventures	venture	NOUN
cblr-14253	809	8	are	be	AUX
cblr-14253	809	9	not	not	PART
cblr-14253	809	10	true	true	ADJ
cblr-14253	809	11	start	start	NOUN
cblr-14253	809	12	-	-	PUNCT
cblr-14253	809	13	ups	up	NOUN
cblr-14253	809	14	in	in	ADP
cblr-14253	809	15	the	the	DET
cblr-14253	809	16	common	common	ADJ
cblr-14253	809	17	sense	sense	NOUN
cblr-14253	809	18	of	of	ADP
cblr-14253	809	19	that	that	DET
cblr-14253	809	20	term	term	NOUN
cblr-14253	809	21	.	.	PUNCT
cblr-14253	810	1	most	most	ADJ
cblr-14253	810	2	people	people	NOUN
cblr-14253	810	3	take	take	VERB
cblr-14253	810	4	a	a	DET
cblr-14253	810	5	start	start	NOUN
cblr-14253	810	6	-	-	PUNCT
cblr-14253	810	7	up	up	NOUN
cblr-14253	810	8	to	to	PART
cblr-14253	810	9	refer	refer	VERB
cblr-14253	810	10	to	to	ADP
cblr-14253	810	11	“	"	PUNCT
cblr-14253	810	12	companies	company	NOUN
cblr-14253	810	13	that	that	PRON
cblr-14253	810	14	typically	typically	ADV
cblr-14253	810	15	do	do	AUX
cblr-14253	810	16	n’t	not	PART
cblr-14253	810	17	have	have	VERB
cblr-14253	810	18	a	a	DET
cblr-14253	810	19	fully	fully	ADV
cblr-14253	810	20	developed	develop	VERB
cblr-14253	810	21	business	business	NOUN
cblr-14253	810	22	model	model	NOUN
cblr-14253	810	23	and	and	CCONJ
cblr-14253	810	24	,	,	PUNCT
cblr-14253	810	25	more	more	ADV
cblr-14253	810	26	crucially	crucially	ADV
cblr-14253	810	27	,	,	PUNCT
cblr-14253	810	28	lack	lack	VERB
cblr-14253	810	29	adequate	adequate	ADJ
cblr-14253	810	30	capital	capital	NOUN
cblr-14253	810	31	to	to	PART
cblr-14253	810	32	move	move	VERB
cblr-14253	810	33	onto	onto	ADP
cblr-14253	810	34	the	the	DET
cblr-14253	810	35	next	next	ADJ
cblr-14253	810	36	phase	phase	NOUN
cblr-14253	810	37	of	of	ADP
cblr-14253	810	38	business	business	NOUN
cblr-14253	810	39	.	.	PUNCT
cblr-14253	811	1	”152	”152	ADJ
cblr-14253	811	2	in	in	ADP
cblr-14253	811	3	real	real	ADJ
cblr-14253	811	4	-	-	PUNCT
cblr-14253	811	5	estate	estate	NOUN
cblr-14253	811	6	-	-	PUNCT
cblr-14253	811	7	settlement	settlement	NOUN
cblr-14253	811	8	joint	joint	ADJ
cblr-14253	811	9	ventures	venture	NOUN
cblr-14253	811	10	,	,	PUNCT
cblr-14253	811	11	the	the	DET
cblr-14253	811	12	norm	norm	NOUN
cblr-14253	811	13	is	be	AUX
cblr-14253	811	14	for	for	ADP
cblr-14253	811	15	sponsoring	sponsor	VERB
cblr-14253	811	16	companies	company	NOUN
cblr-14253	811	17	with	with	ADP
cblr-14253	811	18	an	an	DET
cblr-14253	811	19	existing	exist	VERB
cblr-14253	811	20	business	business	NOUN
cblr-14253	811	21	model	model	NOUN
cblr-14253	811	22	to	to	PART
cblr-14253	811	23	seek	seek	VERB
cblr-14253	811	24	out	out	ADP
cblr-14253	811	25	agents	agent	NOUN
cblr-14253	811	26	with	with	ADP
cblr-14253	811	27	a	a	DET
cblr-14253	811	28	proven	prove	VERB
cblr-14253	811	29	track	track	NOUN
cblr-14253	811	30	record	record	NOUN
cblr-14253	811	31	.	.	PUNCT
cblr-14253	812	1	joint	joint	ADJ
cblr-14253	812	2	ventures	venture	NOUN
cblr-14253	812	3	are	be	AUX
cblr-14253	812	4	less	less	ADJ
cblr-14253	812	5	like	like	ADP
cblr-14253	812	6	a	a	DET
cblr-14253	812	7	start	start	VERB
cblr-14253	812	8	-	-	PUNCT
cblr-14253	812	9	up	up	NOUN
cblr-14253	812	10	seeking	seek	VERB
cblr-14253	812	11	to	to	PART
cblr-14253	812	12	deliver	deliver	VERB
cblr-14253	812	13	innovative	innovative	ADJ
cblr-14253	812	14	technology	technology	NOUN
cblr-14253	812	15	to	to	ADP
cblr-14253	812	16	market	market	NOUN
cblr-14253	812	17	or	or	CCONJ
cblr-14253	812	18	establish	establish	VERB
cblr-14253	812	19	a	a	DET
cblr-14253	812	20	new	new	ADJ
cblr-14253	812	21	brand	brand	NOUN
cblr-14253	812	22	than	than	SCONJ
cblr-14253	812	23	they	they	PRON
cblr-14253	812	24	are	be	AUX
cblr-14253	812	25	long	long	ADV
cblr-14253	812	26	-	-	PUNCT
cblr-14253	812	27	standing	stand	VERB
cblr-14253	812	28	businesses	business	NOUN
cblr-14253	812	29	forming	form	VERB
cblr-14253	812	30	an	an	DET
cblr-14253	812	31	alliance	alliance	NOUN
cblr-14253	812	32	to	to	PART
cblr-14253	812	33	exclude	exclude	VERB
cblr-14253	812	34	rivals	rival	NOUN
cblr-14253	812	35	and	and	CCONJ
cblr-14253	812	36	capture	capture	VERB
cblr-14253	812	37	revenue	revenue	NOUN
cblr-14253	812	38	from	from	ADP
cblr-14253	812	39	shared	share	VERB
cblr-14253	812	40	customers	customer	NOUN
cblr-14253	812	41	.	.	PUNCT
cblr-14253	813	1	title	title	NOUN
cblr-14253	813	2	companies	company	NOUN
cblr-14253	813	3	,	,	PUNCT
cblr-14253	813	4	mortgage	mortgage	NOUN
cblr-14253	813	5	151	151	NUM
cblr-14253	813	6	real	real	ADJ
cblr-14253	813	7	estate	estate	NOUN
cblr-14253	813	8	settlement	settlement	NOUN
cblr-14253	813	9	procedures	procedure	NOUN
cblr-14253	813	10	act	act	VERB
cblr-14253	813	11	faqs	faq	NOUN
cblr-14253	813	12	,	,	PUNCT
cblr-14253	813	13	consumer	consumer	NOUN
cblr-14253	813	14	fin	fin	NOUN
cblr-14253	813	15	.	.	PUNCT
cblr-14253	814	1	prot	prot	PROPN
cblr-14253	814	2	.	.	PUNCT
cblr-14253	815	1	bureau	bureau	NOUN
cblr-14253	815	2	9	9	NUM
cblr-14253	815	3	(	(	PUNCT
cblr-14253	815	4	oct	oct	PROPN
cblr-14253	815	5	.	.	PROPN
cblr-14253	815	6	7	7	NUM
cblr-14253	815	7	,	,	PUNCT
cblr-14253	815	8	2020	2020	NUM
cblr-14253	815	9	)	)	PUNCT
cblr-14253	815	10	,	,	PUNCT
cblr-14253	815	11	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	https://www.consumerfinance.gov/compliance/complianceresources/mortgage-resources/real-estate-settlement-procedures-act/realestate-settlement-procedures-act-faqs/	ADP
cblr-14253	816	1	[	[	X
cblr-14253	816	2	https://perma.cc/l7zp-wx9r	https://perma.cc/l7zp-wx9r	ADJ
cblr-14253	816	3	]	]	X
cblr-14253	816	4	.	.	PUNCT
cblr-14253	817	1	152	152	NUM
cblr-14253	817	2	mitchell	mitchell	PROPN
cblr-14253	817	3	grant	grant	PROPN
cblr-14253	817	4	,	,	PUNCT
cblr-14253	817	5	what	what	PRON
cblr-14253	817	6	a	a	DET
cblr-14253	817	7	start	start	NOUN
cblr-14253	817	8	-	-	PUNCT
cblr-14253	817	9	up	up	NOUN
cblr-14253	817	10	is	be	AUX
cblr-14253	817	11	and	and	CCONJ
cblr-14253	817	12	what	what	PRON
cblr-14253	817	13	’s	’s	AUX
cblr-14253	817	14	involved	involve	VERB
cblr-14253	817	15	in	in	ADP
cblr-14253	817	16	getting	get	VERB
cblr-14253	817	17	one	one	NUM
cblr-14253	817	18	off	off	ADP
cblr-14253	817	19	the	the	DET
cblr-14253	817	20	ground	ground	NOUN
cblr-14253	817	21	,	,	PUNCT
cblr-14253	817	22	investopedia	investopedia	PROPN
cblr-14253	817	23	(	(	PUNCT
cblr-14253	817	24	jan	jan	PROPN
cblr-14253	817	25	.	.	PROPN
cblr-14253	817	26	22	22	NUM
cblr-14253	817	27	,	,	PUNCT
cblr-14253	817	28	2024	2024	NUM
cblr-14253	817	29	)	)	PUNCT
cblr-14253	817	30	,	,	PUNCT
cblr-14253	817	31	https://www.investopedia.com/terms/s/startup.asp	https://www.investopedia.com/terms/s/startup.asp	VERB
cblr-14253	817	32	[	[	X
cblr-14253	817	33	https://perma.cc/t7kpbhlm	https://perma.cc/t7kpbhlm	PROPN
cblr-14253	817	34	]	]	X
cblr-14253	817	35	.	.	PUNCT
cblr-14253	818	1	438	438	NUM
cblr-14253	818	2	columbia	columbia	PROPN
cblr-14253	818	3	business	business	NOUN
cblr-14253	818	4	law	law	PROPN
cblr-14253	818	5	review	review	NOUN
cblr-14253	818	6	[	[	X
cblr-14253	818	7	vol	vol	NOUN
cblr-14253	818	8	.	.	PUNCT
cblr-14253	818	9	2025	2025	NUM
cblr-14253	818	10	brokers	broker	NOUN
cblr-14253	818	11	,	,	PUNCT
cblr-14253	818	12	or	or	CCONJ
cblr-14253	818	13	developers	developer	NOUN
cblr-14253	818	14	hoping	hope	VERB
cblr-14253	818	15	to	to	PART
cblr-14253	818	16	form	form	VERB
cblr-14253	818	17	joint	joint	ADJ
cblr-14253	818	18	ventures	venture	NOUN
cblr-14253	818	19	often	often	ADV
cblr-14253	818	20	seek	seek	VERB
cblr-14253	818	21	out	out	ADP
cblr-14253	818	22	the	the	DET
cblr-14253	818	23	real	real	ADJ
cblr-14253	818	24	-	-	PUNCT
cblr-14253	818	25	estate	estate	NOUN
cblr-14253	818	26	agents	agent	NOUN
cblr-14253	818	27	with	with	ADP
cblr-14253	818	28	the	the	DET
cblr-14253	818	29	largest	large	ADJ
cblr-14253	818	30	books	book	NOUN
cblr-14253	818	31	of	of	ADP
cblr-14253	818	32	business	business	NOUN
cblr-14253	818	33	.	.	PUNCT
cblr-14253	819	1	that	that	DET
cblr-14253	819	2	track	track	VERB
cblr-14253	819	3	record	record	NOUN
cblr-14253	819	4	of	of	ADP
cblr-14253	819	5	closings	closing	NOUN
cblr-14253	819	6	itself	itself	PRON
cblr-14253	819	7	provides	provide	VERB
cblr-14253	819	8	a	a	DET
cblr-14253	819	9	credible	credible	ADJ
cblr-14253	819	10	basis	basis	NOUN
cblr-14253	819	11	for	for	ADP
cblr-14253	819	12	a	a	DET
cblr-14253	819	13	valuation	valuation	NOUN
cblr-14253	819	14	of	of	ADP
cblr-14253	819	15	the	the	DET
cblr-14253	819	16	new	new	ADJ
cblr-14253	819	17	joint	joint	ADJ
cblr-14253	819	18	venture	venture	NOUN
cblr-14253	819	19	,	,	PUNCT
cblr-14253	819	20	since	since	SCONJ
cblr-14253	819	21	this	this	DET
cblr-14253	819	22	value	value	NOUN
cblr-14253	819	23	is	be	AUX
cblr-14253	819	24	why	why	SCONJ
cblr-14253	819	25	the	the	DET
cblr-14253	819	26	agents	agent	NOUN
cblr-14253	819	27	were	be	AUX
cblr-14253	819	28	desirable	desirable	ADJ
cblr-14253	819	29	partners	partner	NOUN
cblr-14253	819	30	in	in	ADP
cblr-14253	819	31	the	the	DET
cblr-14253	819	32	first	first	ADJ
cblr-14253	819	33	place	place	NOUN
cblr-14253	819	34	.	.	PUNCT
cblr-14253	820	1	the	the	DET
cblr-14253	820	2	market	market	NOUN
cblr-14253	820	3	-	-	PUNCT
cblr-14253	820	4	value	value	NOUN
cblr-14253	820	5	test	test	NOUN
cblr-14253	820	6	for	for	ADP
cblr-14253	820	7	ownership	ownership	NOUN
cblr-14253	820	8	shares	share	NOUN
cblr-14253	820	9	should	should	AUX
cblr-14253	820	10	,	,	PUNCT
cblr-14253	820	11	at	at	ADP
cblr-14253	820	12	least	least	ADJ
cblr-14253	820	13	in	in	ADP
cblr-14253	820	14	part	part	NOUN
cblr-14253	820	15	,	,	PUNCT
cblr-14253	820	16	be	be	AUX
cblr-14253	820	17	based	base	VERB
cblr-14253	820	18	upon	upon	SCONJ
cblr-14253	820	19	the	the	DET
cblr-14253	820	20	referring	refer	VERB
cblr-14253	820	21	real	real	ADJ
cblr-14253	820	22	-	-	PUNCT
cblr-14253	820	23	estate	estate	NOUN
cblr-14253	820	24	agents	agent	NOUN
cblr-14253	820	25	’	'	PUNCT
cblr-14253	820	26	closing	closing	NOUN
cblr-14253	820	27	track	track	NOUN
cblr-14253	820	28	record	record	NOUN
cblr-14253	820	29	.	.	PUNCT
cblr-14253	821	1	intuitively	intuitively	ADV
cblr-14253	821	2	,	,	PUNCT
cblr-14253	821	3	the	the	PRON
cblr-14253	821	4	more	more	ADJ
cblr-14253	821	5	deals	deal	NOUN
cblr-14253	821	6	agents	agent	NOUN
cblr-14253	821	7	customarily	customarily	ADV
cblr-14253	821	8	close	close	ADV
cblr-14253	821	9	,	,	PUNCT
cblr-14253	821	10	the	the	DET
cblr-14253	821	11	more	more	ADV
cblr-14253	821	12	valuable	valuable	ADJ
cblr-14253	821	13	are	be	AUX
cblr-14253	821	14	ownership	ownership	NOUN
cblr-14253	821	15	shares	share	NOUN
cblr-14253	821	16	in	in	ADP
cblr-14253	821	17	their	their	PRON
cblr-14253	821	18	joint	joint	ADJ
cblr-14253	821	19	ventures	venture	NOUN
cblr-14253	821	20	.	.	PUNCT
cblr-14253	822	1	finally	finally	ADV
cblr-14253	822	2	,	,	PUNCT
cblr-14253	822	3	proponents	proponent	NOUN
cblr-14253	822	4	of	of	ADP
cblr-14253	822	5	joint	joint	ADJ
cblr-14253	822	6	ventures	venture	NOUN
cblr-14253	822	7	between	between	ADP
cblr-14253	822	8	real	real	ADJ
cblr-14253	822	9	-	-	PUNCT
cblr-14253	822	10	estate	estate	NOUN
cblr-14253	822	11	agents	agent	NOUN
cblr-14253	822	12	and	and	CCONJ
cblr-14253	822	13	other	other	ADJ
cblr-14253	822	14	settlement	settlement	NOUN
cblr-14253	822	15	-	-	PUNCT
cblr-14253	822	16	services	service	NOUN
cblr-14253	822	17	providers	provider	NOUN
cblr-14253	822	18	might	might	AUX
cblr-14253	822	19	argue	argue	VERB
cblr-14253	822	20	that	that	SCONJ
cblr-14253	822	21	if	if	SCONJ
cblr-14253	822	22	real	real	ADJ
cblr-14253	822	23	-	-	PUNCT
cblr-14253	822	24	estate	estate	NOUN
cblr-14253	822	25	agents	agent	NOUN
cblr-14253	822	26	must	must	AUX
cblr-14253	822	27	pay	pay	VERB
cblr-14253	822	28	a	a	DET
cblr-14253	822	29	fair	fair	ADJ
cblr-14253	822	30	-	-	PUNCT
cblr-14253	822	31	market	market	NOUN
cblr-14253	822	32	price	price	NOUN
cblr-14253	822	33	for	for	ADP
cblr-14253	822	34	the	the	DET
cblr-14253	822	35	value	value	NOUN
cblr-14253	822	36	of	of	ADP
cblr-14253	822	37	their	their	PRON
cblr-14253	822	38	joint	joint	ADJ
cblr-14253	822	39	-	-	PUNCT
cblr-14253	822	40	venture	venture	NOUN
cblr-14253	822	41	ownership	ownership	NOUN
cblr-14253	822	42	,	,	PUNCT
cblr-14253	822	43	then	then	ADV
cblr-14253	822	44	,	,	PUNCT
cblr-14253	822	45	as	as	ADP
cblr-14253	822	46	a	a	DET
cblr-14253	822	47	practical	practical	ADJ
cblr-14253	822	48	matter	matter	NOUN
cblr-14253	822	49	,	,	PUNCT
cblr-14253	822	50	the	the	DET
cblr-14253	822	51	up	up	ADJ
cblr-14253	822	52	-	-	PUNCT
cblr-14253	822	53	front	front	NOUN
cblr-14253	822	54	cost	cost	NOUN
cblr-14253	822	55	would	would	AUX
cblr-14253	822	56	be	be	AUX
cblr-14253	822	57	prohibitive	prohibitive	ADJ
cblr-14253	822	58	.	.	PUNCT
cblr-14253	823	1	this	this	PRON
cblr-14253	823	2	is	be	AUX
cblr-14253	823	3	to	to	PART
cblr-14253	823	4	say	say	VERB
cblr-14253	823	5	that	that	SCONJ
cblr-14253	823	6	real	real	ADJ
cblr-14253	823	7	-	-	PUNCT
cblr-14253	823	8	estate	estate	NOUN
cblr-14253	823	9	agents	agent	NOUN
cblr-14253	823	10	simply	simply	ADV
cblr-14253	823	11	would	would	AUX
cblr-14253	823	12	not	not	PART
cblr-14253	823	13	pay	pay	VERB
cblr-14253	823	14	the	the	DET
cblr-14253	823	15	up	up	ADJ
cblr-14253	823	16	-	-	PUNCT
cblr-14253	823	17	front	front	NOUN
cblr-14253	823	18	costs	cost	NOUN
cblr-14253	823	19	of	of	ADP
cblr-14253	823	20	joint	joint	ADJ
cblr-14253	823	21	-	-	PUNCT
cblr-14253	823	22	venture	venture	NOUN
cblr-14253	823	23	ownership	ownership	NOUN
cblr-14253	823	24	priced	price	VERB
cblr-14253	823	25	according	accord	VERB
cblr-14253	823	26	to	to	ADP
cblr-14253	823	27	fairmarket	fairmarket	NOUN
cblr-14253	823	28	value	value	NOUN
cblr-14253	823	29	.	.	PUNCT
cblr-14253	824	1	while	while	SCONJ
cblr-14253	824	2	there	there	PRON
cblr-14253	824	3	may	may	AUX
cblr-14253	824	4	be	be	AUX
cblr-14253	824	5	some	some	DET
cblr-14253	824	6	truth	truth	NOUN
cblr-14253	824	7	to	to	ADP
cblr-14253	824	8	this	this	PRON
cblr-14253	824	9	,	,	PUNCT
cblr-14253	824	10	the	the	DET
cblr-14253	824	11	objection	objection	NOUN
cblr-14253	824	12	tends	tend	VERB
cblr-14253	824	13	to	to	PART
cblr-14253	824	14	confirm	confirm	VERB
cblr-14253	824	15	the	the	DET
cblr-14253	824	16	underlying	underlie	VERB
cblr-14253	824	17	argument	argument	NOUN
cblr-14253	824	18	against	against	ADP
cblr-14253	824	19	discounted	discount	VERB
cblr-14253	824	20	ownership	ownership	NOUN
cblr-14253	824	21	.	.	PUNCT
cblr-14253	825	1	if	if	SCONJ
cblr-14253	825	2	a	a	DET
cblr-14253	825	3	par	par	NOUN
cblr-14253	825	4	price	price	NOUN
cblr-14253	825	5	for	for	ADP
cblr-14253	825	6	investing	invest	VERB
cblr-14253	825	7	in	in	ADP
cblr-14253	825	8	the	the	DET
cblr-14253	825	9	joint	joint	ADJ
cblr-14253	825	10	business	business	NOUN
cblr-14253	825	11	exceeds	exceed	VERB
cblr-14253	825	12	the	the	DET
cblr-14253	825	13	expected	expect	VERB
cblr-14253	825	14	marginal	marginal	ADJ
cblr-14253	825	15	utility	utility	NOUN
cblr-14253	825	16	of	of	ADP
cblr-14253	825	17	the	the	DET
cblr-14253	825	18	business	business	NOUN
cblr-14253	825	19	structure	structure	NOUN
cblr-14253	825	20	,	,	PUNCT
cblr-14253	825	21	then	then	ADV
cblr-14253	825	22	the	the	DET
cblr-14253	825	23	business	business	NOUN
cblr-14253	825	24	structure	structure	NOUN
cblr-14253	825	25	is	be	AUX
cblr-14253	825	26	likely	likely	ADV
cblr-14253	825	27	inefficient	inefficient	ADJ
cblr-14253	825	28	.	.	PUNCT
cblr-14253	826	1	if	if	SCONJ
cblr-14253	826	2	that	that	DET
cblr-14253	826	3	inefficiency	inefficiency	NOUN
cblr-14253	826	4	is	be	AUX
cblr-14253	826	5	still	still	ADV
cblr-14253	826	6	desirable	desirable	ADJ
cblr-14253	826	7	,	,	PUNCT
cblr-14253	826	8	it	it	PRON
cblr-14253	826	9	is	be	AUX
cblr-14253	826	10	because	because	SCONJ
cblr-14253	826	11	the	the	DET
cblr-14253	826	12	business	business	NOUN
cblr-14253	826	13	structure	structure	NOUN
cblr-14253	826	14	seeks	seek	VERB
cblr-14253	826	15	to	to	PART
cblr-14253	826	16	capitalize	capitalize	VERB
cblr-14253	826	17	on	on	ADP
cblr-14253	826	18	corrupt	corrupt	ADJ
cblr-14253	826	19	referrals	referral	NOUN
cblr-14253	826	20	that	that	PRON
cblr-14253	826	21	are	be	AUX
cblr-14253	826	22	anticompetitive	anticompetitive	ADJ
cblr-14253	826	23	and	and	CCONJ
cblr-14253	826	24	contrary	contrary	ADJ
cblr-14253	826	25	to	to	ADP
cblr-14253	826	26	consumers	consumer	NOUN
cblr-14253	826	27	’	’	PART
cblr-14253	826	28	interests	interest	NOUN
cblr-14253	826	29	.	.	PUNCT
cblr-14253	827	1	it	it	PRON
cblr-14253	827	2	might	might	AUX
cblr-14253	827	3	be	be	AUX
cblr-14253	827	4	true	true	ADJ
cblr-14253	827	5	that	that	SCONJ
cblr-14253	827	6	in	in	ADP
cblr-14253	827	7	certain	certain	ADJ
cblr-14253	827	8	joint	joint	ADJ
cblr-14253	827	9	ventures	venture	NOUN
cblr-14253	827	10	,	,	PUNCT
cblr-14253	827	11	the	the	DET
cblr-14253	827	12	business	business	NOUN
cblr-14253	827	13	advantages	advantage	NOUN
cblr-14253	827	14	of	of	ADP
cblr-14253	827	15	good	good	ADJ
cblr-14253	827	16	customer	customer	NOUN
cblr-14253	827	17	service	service	NOUN
cblr-14253	827	18	,	,	PUNCT
cblr-14253	827	19	routinized	routinized	ADJ
cblr-14253	827	20	processes	process	NOUN
cblr-14253	827	21	,	,	PUNCT
cblr-14253	827	22	and	and	CCONJ
cblr-14253	827	23	shared	share	VERB
cblr-14253	827	24	branding	branding	NOUN
cblr-14253	827	25	make	make	VERB
cblr-14253	827	26	a	a	DET
cblr-14253	827	27	joint	joint	ADJ
cblr-14253	827	28	venture	venture	NOUN
cblr-14253	827	29	worthwhile	worthwhile	ADJ
cblr-14253	827	30	.	.	PUNCT
cblr-14253	828	1	if	if	SCONJ
cblr-14253	828	2	so	so	ADV
cblr-14253	828	3	,	,	PUNCT
cblr-14253	828	4	then	then	ADV
cblr-14253	828	5	it	it	PRON
cblr-14253	828	6	is	be	AUX
cblr-14253	828	7	not	not	PART
cblr-14253	828	8	an	an	DET
cblr-14253	828	9	unfair	unfair	ADJ
cblr-14253	828	10	burden	burden	NOUN
cblr-14253	828	11	to	to	PART
cblr-14253	828	12	expect	expect	VERB
cblr-14253	828	13	referring	refer	VERB
cblr-14253	828	14	settlement	settlement	NOUN
cblr-14253	828	15	professionals	professional	NOUN
cblr-14253	828	16	to	to	PART
cblr-14253	828	17	pay	pay	VERB
cblr-14253	828	18	a	a	DET
cblr-14253	828	19	fair	fair	ADJ
cblr-14253	828	20	-	-	PUNCT
cblr-14253	828	21	market	market	NOUN
cblr-14253	828	22	price	price	NOUN
cblr-14253	828	23	for	for	ADP
cblr-14253	828	24	those	those	DET
cblr-14253	828	25	benefits	benefit	NOUN
cblr-14253	828	26	.	.	PUNCT
cblr-14253	829	1	b.	b.	PROPN
cblr-14253	829	2	taking	take	VERB
cblr-14253	829	3	unreasonable	unreasonable	ADJ
cblr-14253	829	4	advantage	advantage	NOUN
cblr-14253	829	5	through	through	ADP
cblr-14253	829	6	affiliated	affiliate	VERB
cblr-14253	829	7	-	-	PUNCT
cblr-14253	829	8	business	business	NOUN
cblr-14253	829	9	arrangements	arrangement	NOUN
cblr-14253	829	10	even	even	ADV
cblr-14253	829	11	if	if	SCONJ
cblr-14253	829	12	a	a	DET
cblr-14253	829	13	joint	joint	ADJ
cblr-14253	829	14	venture	venture	NOUN
cblr-14253	829	15	is	be	AUX
cblr-14253	829	16	lawfully	lawfully	ADV
cblr-14253	829	17	formed	form	VERB
cblr-14253	829	18	through	through	ADP
cblr-14253	829	19	payment	payment	NOUN
cblr-14253	829	20	of	of	ADP
cblr-14253	829	21	fair	fair	ADJ
cblr-14253	829	22	-	-	PUNCT
cblr-14253	829	23	market	market	NOUN
cblr-14253	829	24	value	value	NOUN
cblr-14253	829	25	to	to	PART
cblr-14253	829	26	acquire	acquire	VERB
cblr-14253	829	27	an	an	DET
cblr-14253	829	28	ownership	ownership	NOUN
cblr-14253	829	29	stake	stake	NOUN
cblr-14253	829	30	,	,	PUNCT
cblr-14253	829	31	the	the	DET
cblr-14253	829	32	professionals	professional	NOUN
cblr-14253	829	33	involved	involve	VERB
cblr-14253	829	34	must	must	AUX
cblr-14253	829	35	still	still	ADV
cblr-14253	829	36	operate	operate	VERB
cblr-14253	829	37	the	the	DET
cblr-14253	829	38	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	829	39	arrangement	arrangement	NOUN
cblr-14253	829	40	in	in	ADP
cblr-14253	829	41	a	a	DET
cblr-14253	829	42	lawful	lawful	ADJ
cblr-14253	829	43	manner	manner	NOUN
cblr-14253	829	44	.	.	PUNCT
cblr-14253	830	1	as	as	SCONJ
cblr-14253	830	2	discussed	discuss	VERB
cblr-14253	830	3	in	in	ADP
cblr-14253	830	4	part	part	NOUN
cblr-14253	830	5	iv	iv	ADP
cblr-14253	830	6	,	,	PUNCT
cblr-14253	830	7	real	real	ADJ
cblr-14253	830	8	-	-	PUNCT
cblr-14253	830	9	estate	estate	NOUN
cblr-14253	830	10	agents	agent	NOUN
cblr-14253	830	11	can	can	AUX
cblr-14253	830	12	engage	engage	VERB
cblr-14253	830	13	in	in	ADP
cblr-14253	830	14	an	an	DET
cblr-14253	830	15	abusive	abusive	ADJ
cblr-14253	830	16	practice	practice	NOUN
cblr-14253	830	17	no	no	NOUN
cblr-14253	830	18	.	.	NOUN
cblr-14253	830	19	1	1	NUM
cblr-14253	830	20	]	]	PUNCT
cblr-14253	830	21	corrupt	corrupt	ADJ
cblr-14253	830	22	joint	joint	ADJ
cblr-14253	830	23	ventures	venture	NOUN
cblr-14253	830	24	439	439	NUM
cblr-14253	830	25	under	under	ADP
cblr-14253	830	26	the	the	DET
cblr-14253	830	27	dodd	dodd	PROPN
cblr-14253	830	28	-	-	PUNCT
cblr-14253	830	29	frank	frank	PROPN
cblr-14253	830	30	act	act	NOUN
cblr-14253	830	31	if	if	SCONJ
cblr-14253	830	32	they	they	PRON
cblr-14253	830	33	engage	engage	VERB
cblr-14253	830	34	in	in	ADP
cblr-14253	830	35	self	self	NOUN
cblr-14253	830	36	-	-	PUNCT
cblr-14253	830	37	dealing	dealing	NOUN
cblr-14253	830	38	by	by	ADP
cblr-14253	830	39	steering	steer	VERB
cblr-14253	830	40	their	their	PRON
cblr-14253	830	41	customers	customer	NOUN
cblr-14253	830	42	into	into	ADP
cblr-14253	830	43	the	the	DET
cblr-14253	830	44	agent	agent	NOUN
cblr-14253	830	45	’s	’s	PART
cblr-14253	830	46	own	own	ADJ
cblr-14253	830	47	settlementservices	settlementservice	NOUN
cblr-14253	830	48	business	business	NOUN
cblr-14253	830	49	.	.	PUNCT
cblr-14253	831	1	when	when	SCONJ
cblr-14253	831	2	an	an	DET
cblr-14253	831	3	agent	agent	NOUN
cblr-14253	831	4	refers	refer	VERB
cblr-14253	831	5	their	their	PRON
cblr-14253	831	6	customers	customer	NOUN
cblr-14253	831	7	to	to	ADP
cblr-14253	831	8	the	the	DET
cblr-14253	831	9	agent	agent	NOUN
cblr-14253	831	10	’s	’s	PART
cblr-14253	831	11	own	own	ADJ
cblr-14253	831	12	title	title	NOUN
cblr-14253	831	13	or	or	CCONJ
cblr-14253	831	14	mortgage	mortgage	NOUN
cblr-14253	831	15	company	company	NOUN
cblr-14253	831	16	,	,	PUNCT
cblr-14253	831	17	they	they	PRON
cblr-14253	831	18	may	may	AUX
cblr-14253	831	19	be	be	AUX
cblr-14253	831	20	taking	take	VERB
cblr-14253	831	21	“	"	PUNCT
cblr-14253	831	22	unreasonable	unreasonable	ADJ
cblr-14253	831	23	advantage	advantage	NOUN
cblr-14253	831	24	”	"	PUNCT
cblr-14253	831	25	of	of	ADP
cblr-14253	831	26	the	the	DET
cblr-14253	831	27	consumer.153	consumer.153	NOUN
cblr-14253	831	28	how	how	SCONJ
cblr-14253	831	29	should	should	AUX
cblr-14253	831	30	courts	court	NOUN
cblr-14253	831	31	,	,	PUNCT
cblr-14253	831	32	the	the	DET
cblr-14253	831	33	cfpb	cfpb	NOUN
cblr-14253	831	34	,	,	PUNCT
cblr-14253	831	35	state	state	NOUN
cblr-14253	831	36	attorneys	attorney	NOUN
cblr-14253	831	37	general	general	ADJ
cblr-14253	831	38	,	,	PUNCT
cblr-14253	831	39	and	and	CCONJ
cblr-14253	831	40	compliance	compliance	NOUN
cblr-14253	831	41	counsel	counsel	NOUN
cblr-14253	831	42	determine	determine	VERB
cblr-14253	831	43	whether	whether	SCONJ
cblr-14253	831	44	a	a	DET
cblr-14253	831	45	real	real	ADJ
cblr-14253	831	46	-	-	PUNCT
cblr-14253	831	47	estate	estate	NOUN
cblr-14253	831	48	agent	agent	NOUN
cblr-14253	831	49	’s	’s	PART
cblr-14253	831	50	self	self	NOUN
cblr-14253	831	51	-	-	PUNCT
cblr-14253	831	52	dealing	dealing	NOUN
cblr-14253	831	53	rises	rise	NOUN
cblr-14253	831	54	to	to	ADP
cblr-14253	831	55	the	the	DET
cblr-14253	831	56	level	level	NOUN
cblr-14253	831	57	of	of	ADP
cblr-14253	831	58	unreasonable	unreasonable	ADJ
cblr-14253	831	59	advantage	advantage	NOUN
cblr-14253	831	60	-	-	PUNCT
cblr-14253	831	61	taking	taking	NOUN
cblr-14253	831	62	?	?	PUNCT
cblr-14253	832	1	in	in	ADP
cblr-14253	832	2	its	its	PRON
cblr-14253	832	3	recent	recent	ADJ
cblr-14253	832	4	policy	policy	NOUN
cblr-14253	832	5	statement	statement	NOUN
cblr-14253	832	6	on	on	ADP
cblr-14253	832	7	abusive	abusive	ADJ
cblr-14253	832	8	acts	act	NOUN
cblr-14253	832	9	and	and	CCONJ
cblr-14253	832	10	practices	practice	NOUN
cblr-14253	832	11	,	,	PUNCT
cblr-14253	832	12	the	the	DET
cblr-14253	832	13	cfpb	cfpb	NOUN
cblr-14253	832	14	has	have	AUX
cblr-14253	832	15	explained	explain	VERB
cblr-14253	832	16	that	that	SCONJ
cblr-14253	832	17	in	in	ADP
cblr-14253	832	18	the	the	DET
cblr-14253	832	19	context	context	NOUN
cblr-14253	832	20	of	of	ADP
cblr-14253	832	21	abusive	abusive	ADJ
cblr-14253	832	22	practices	practice	NOUN
cblr-14253	832	23	,	,	PUNCT
cblr-14253	832	24	the	the	DET
cblr-14253	832	25	term	term	NOUN
cblr-14253	832	26	‘	'	PUNCT
cblr-14253	832	27	‘	'	PUNCT
cblr-14253	832	28	reasonable	reasonable	ADJ
cblr-14253	832	29	’’	’'	PUNCT
cblr-14253	832	30	means	mean	VERB
cblr-14253	832	31	“	"	PUNCT
cblr-14253	832	32	‘	'	PUNCT
cblr-14253	832	33	[	[	X
cblr-14253	832	34	f]air	f]air	NOUN
cblr-14253	832	35	,	,	PUNCT
cblr-14253	832	36	proper	proper	ADJ
cblr-14253	832	37	,	,	PUNCT
cblr-14253	832	38	or	or	CCONJ
cblr-14253	832	39	moderate	moderate	ADJ
cblr-14253	832	40	under	under	ADP
cblr-14253	832	41	the	the	DET
cblr-14253	832	42	circumstances	circumstance	NOUN
cblr-14253	832	43	,	,	PUNCT
cblr-14253	832	44	’	'	PUNCT
cblr-14253	832	45	and	and	CCONJ
cblr-14253	832	46	conversely	conversely	ADV
cblr-14253	832	47	,	,	PUNCT
cblr-14253	832	48	‘	'	PUNCT
cblr-14253	832	49	unreasonable	unreasonable	ADJ
cblr-14253	832	50	’	'	PUNCT
cblr-14253	832	51	means	mean	VERB
cblr-14253	832	52	‘	'	PUNCT
cblr-14253	832	53	‘	'	PUNCT
cblr-14253	832	54	exceeding	exceed	VERB
cblr-14253	832	55	the	the	DET
cblr-14253	832	56	bounds	bound	NOUN
cblr-14253	832	57	of	of	ADP
cblr-14253	832	58	reason	reason	NOUN
cblr-14253	832	59	or	or	CCONJ
cblr-14253	832	60	moderation	moderation	NOUN
cblr-14253	832	61	.	.	PUNCT
cblr-14253	833	1	’”154	’”154	VERB
cblr-14253	833	2	moreover	moreover	ADV
cblr-14253	833	3	,	,	PUNCT
cblr-14253	833	4	the	the	DET
cblr-14253	833	5	bureau	bureau	NOUN
cblr-14253	833	6	has	have	AUX
cblr-14253	833	7	elaborated	elaborate	VERB
cblr-14253	833	8	:	:	PUNCT
cblr-14253	833	9	evaluating	evaluate	VERB
cblr-14253	833	10	unreasonable	unreasonable	ADJ
cblr-14253	833	11	advantage	advantage	NOUN
cblr-14253	833	12	involves	involve	VERB
cblr-14253	833	13	an	an	DET
cblr-14253	833	14	evaluation	evaluation	NOUN
cblr-14253	833	15	of	of	ADP
cblr-14253	833	16	the	the	DET
cblr-14253	833	17	facts	fact	NOUN
cblr-14253	833	18	and	and	CCONJ
cblr-14253	833	19	circumstances	circumstance	NOUN
cblr-14253	833	20	that	that	PRON
cblr-14253	833	21	may	may	AUX
cblr-14253	833	22	affect	affect	VERB
cblr-14253	833	23	the	the	DET
cblr-14253	833	24	nature	nature	NOUN
cblr-14253	833	25	of	of	ADP
cblr-14253	833	26	the	the	DET
cblr-14253	833	27	advantage	advantage	NOUN
cblr-14253	833	28	and	and	CCONJ
cblr-14253	833	29	the	the	DET
cblr-14253	833	30	question	question	NOUN
cblr-14253	833	31	of	of	ADP
cblr-14253	833	32	whether	whether	SCONJ
cblr-14253	833	33	the	the	DET
cblr-14253	833	34	advantage	advantage	NOUN
cblr-14253	833	35	-	-	PUNCT
cblr-14253	833	36	taking	taking	NOUN
cblr-14253	833	37	was	be	AUX
cblr-14253	833	38	unreasonable	unreasonable	ADJ
cblr-14253	833	39	under	under	ADP
cblr-14253	833	40	the	the	DET
cblr-14253	833	41	circumstances	circumstance	NOUN
cblr-14253	833	42	.	.	PUNCT
cblr-14253	834	1	such	such	DET
cblr-14253	834	2	an	an	DET
cblr-14253	834	3	evaluation	evaluation	NOUN
cblr-14253	834	4	does	do	AUX
cblr-14253	834	5	not	not	PART
cblr-14253	834	6	require	require	VERB
cblr-14253	834	7	an	an	DET
cblr-14253	834	8	inquiry	inquiry	NOUN
cblr-14253	834	9	into	into	ADP
cblr-14253	834	10	whether	whether	SCONJ
cblr-14253	834	11	advantage	advantage	NOUN
cblr-14253	834	12	-	-	PUNCT
cblr-14253	834	13	taking	taking	NOUN
cblr-14253	834	14	is	be	AUX
cblr-14253	834	15	typical	typical	ADJ
cblr-14253	834	16	or	or	CCONJ
cblr-14253	834	17	not	not	PART
cblr-14253	834	18	.	.	PUNCT
cblr-14253	835	1	and	and	CCONJ
cblr-14253	835	2	even	even	ADV
cblr-14253	835	3	a	a	DET
cblr-14253	835	4	relatively	relatively	ADV
cblr-14253	835	5	small	small	ADJ
cblr-14253	835	6	advantage	advantage	NOUN
cblr-14253	835	7	may	may	AUX
cblr-14253	835	8	be	be	AUX
cblr-14253	835	9	abusive	abusive	ADJ
cblr-14253	835	10	if	if	SCONJ
cblr-14253	835	11	it	it	PRON
cblr-14253	835	12	is	be	AUX
cblr-14253	835	13	unreasonable.155	unreasonable.155	ADJ
cblr-14253	835	14	when	when	SCONJ
cblr-14253	835	15	the	the	DET
cblr-14253	835	16	circumstances	circumstance	NOUN
cblr-14253	835	17	of	of	ADP
cblr-14253	835	18	an	an	DET
cblr-14253	835	19	alleged	allege	VERB
cblr-14253	835	20	abusive	abusive	ADJ
cblr-14253	835	21	act	act	NOUN
cblr-14253	835	22	or	or	CCONJ
cblr-14253	835	23	practice	practice	NOUN
cblr-14253	835	24	involve	involve	VERB
cblr-14253	835	25	self	self	NOUN
cblr-14253	835	26	-	-	PUNCT
cblr-14253	835	27	dealt	deal	VERB
cblr-14253	835	28	referrals	referral	NOUN
cblr-14253	835	29	by	by	ADP
cblr-14253	835	30	a	a	DET
cblr-14253	835	31	trusted	trust	VERB
cblr-14253	835	32	professional	professional	NOUN
cblr-14253	835	33	,	,	PUNCT
cblr-14253	835	34	courts	court	NOUN
cblr-14253	835	35	should	should	AUX
cblr-14253	835	36	evaluate	evaluate	VERB
cblr-14253	835	37	unreasonable	unreasonable	ADJ
cblr-14253	835	38	advantage	advantage	NOUN
cblr-14253	835	39	-	-	PUNCT
cblr-14253	835	40	taking	taking	NOUN
cblr-14253	835	41	from	from	ADP
cblr-14253	835	42	the	the	DET
cblr-14253	835	43	perspective	perspective	NOUN
cblr-14253	835	44	of	of	ADP
cblr-14253	835	45	the	the	DET
cblr-14253	835	46	consumer	consumer	NOUN
cblr-14253	835	47	.	.	PUNCT
cblr-14253	836	1	this	this	PRON
cblr-14253	836	2	is	be	AUX
cblr-14253	836	3	because	because	SCONJ
cblr-14253	836	4	the	the	DET
cblr-14253	836	5	“	"	PUNCT
cblr-14253	836	6	bounds	bound	NOUN
cblr-14253	836	7	of	of	ADP
cblr-14253	836	8	reason	reason	NOUN
cblr-14253	836	9	or	or	CCONJ
cblr-14253	836	10	moderation	moderation	NOUN
cblr-14253	836	11	”	"	PUNCT
cblr-14253	836	12	are	be	AUX
cblr-14253	836	13	set	set	VERB
cblr-14253	836	14	by	by	ADP
cblr-14253	836	15	the	the	DET
cblr-14253	836	16	customers	customer	NOUN
cblr-14253	836	17	’	’	PART
cblr-14253	836	18	expectations	expectation	NOUN
cblr-14253	836	19	that	that	SCONJ
cblr-14253	836	20	the	the	DET
cblr-14253	836	21	trusted	trust	VERB
cblr-14253	836	22	advisor	advisor	NOUN
cblr-14253	836	23	is	be	AUX
cblr-14253	836	24	providing	provide	VERB
cblr-14253	836	25	competent	competent	ADJ
cblr-14253	836	26	and	and	CCONJ
cblr-14253	836	27	trustworthy	trustworthy	ADJ
cblr-14253	836	28	advice.156	advice.156	NOUN
cblr-14253	836	29	in	in	ADP
cblr-14253	836	30	this	this	DET
cblr-14253	836	31	context	context	NOUN
cblr-14253	836	32	,	,	PUNCT
cblr-14253	836	33	the	the	DET
cblr-14253	836	34	consumer	consumer	NOUN
cblr-14253	836	35	is	be	AUX
cblr-14253	836	36	reasonable	reasonable	ADJ
cblr-14253	836	37	to	to	PART
cblr-14253	836	38	presume	presume	VERB
cblr-14253	836	39	that	that	SCONJ
cblr-14253	836	40	their	their	PRON
cblr-14253	836	41	agent	agent	NOUN
cblr-14253	836	42	will	will	AUX
cblr-14253	836	43	direct	direct	VERB
cblr-14253	836	44	them	they	PRON
cblr-14253	836	45	to	to	ADP
cblr-14253	836	46	the	the	DET
cblr-14253	836	47	best	good	ADJ
cblr-14253	836	48	price	price	NOUN
cblr-14253	836	49	available	available	ADJ
cblr-14253	836	50	—	—	PUNCT
cblr-14253	836	51	that	that	ADV
cblr-14253	836	52	is	is	ADV
cblr-14253	836	53	,	,	PUNCT
cblr-14253	836	54	after	after	ADV
cblr-14253	836	55	all	all	ADV
cblr-14253	836	56	,	,	PUNCT
cblr-14253	836	57	what	what	PRON
cblr-14253	836	58	the	the	DET
cblr-14253	836	59	consumer	consumer	NOUN
cblr-14253	836	60	herself	herself	PRON
cblr-14253	836	61	would	would	AUX
cblr-14253	836	62	choose	choose	VERB
cblr-14253	836	63	if	if	SCONJ
cblr-14253	836	64	she	she	PRON
cblr-14253	836	65	had	have	VERB
cblr-14253	836	66	the	the	DET
cblr-14253	836	67	benefit	benefit	NOUN
cblr-14253	836	68	of	of	ADP
cblr-14253	836	69	her	her	PRON
cblr-14253	836	70	real	real	ADJ
cblr-14253	836	71	-	-	PUNCT
cblr-14253	836	72	estate	estate	NOUN
cblr-14253	836	73	agent	agent	NOUN
cblr-14253	836	74	’s	’s	PART
cblr-14253	836	75	expertise	expertise	NOUN
cblr-14253	836	76	.	.	PUNCT
cblr-14253	837	1	because	because	SCONJ
cblr-14253	837	2	consumers	consumer	NOUN
cblr-14253	837	3	are	be	AUX
cblr-14253	837	4	entitled	entitle	VERB
cblr-14253	837	5	to	to	PART
cblr-14253	837	6	“	"	PUNCT
cblr-14253	837	7	be	be	AUX
cblr-14253	837	8	able	able	ADJ
cblr-14253	837	9	to	to	PART
cblr-14253	837	10	rely	rely	VERB
cblr-14253	837	11	”	"	PUNCT
cblr-14253	837	12	on	on	ADP
cblr-14253	837	13	trusted	trust	VERB
cblr-14253	837	14	advisors	advisor	NOUN
cblr-14253	837	15	in	in	ADP
cblr-14253	837	16	consumer	consumer	NOUN
cblr-14253	837	17	-	-	PUNCT
cblr-14253	837	18	financial	financial	ADJ
cblr-14253	837	19	services	service	NOUN
cblr-14253	837	20	“	"	PUNCT
cblr-14253	837	21	in	in	ADP
cblr-14253	837	22	153	153	NUM
cblr-14253	837	23	see	see	NOUN
cblr-14253	837	24	12	12	NUM
cblr-14253	837	25	u.s.c	u.s.c	ADJ
cblr-14253	837	26	.	.	PUNCT
cblr-14253	838	1	§	§	PROPN
cblr-14253	838	2	5536(a)(1)(b	5536(a)(1)(b	NUM
cblr-14253	838	3	)	)	PUNCT
cblr-14253	838	4	.	.	PUNCT
cblr-14253	839	1	154	154	NUM
cblr-14253	839	2	cfpb	cfpb	NOUN
cblr-14253	839	3	policy	policy	NOUN
cblr-14253	839	4	statement	statement	NOUN
cblr-14253	839	5	,	,	PUNCT
cblr-14253	839	6	supra	supra	PROPN
cblr-14253	839	7	note	note	PROPN
cblr-14253	839	8	104	104	NUM
cblr-14253	839	9	,	,	PUNCT
cblr-14253	839	10	at	at	ADP
cblr-14253	839	11	21886	21886	NUM
cblr-14253	839	12	.	.	PUNCT
cblr-14253	840	1	155	155	NUM
cblr-14253	841	1	i	i	PROPN
cblr-14253	841	2	d.	d.	PROPN
cblr-14253	841	3	156	156	NUM
cblr-14253	842	1	i	i	PROPN
cblr-14253	842	2	d.	d.	PROPN
cblr-14253	842	3	440	440	PROPN
cblr-14253	842	4	columbia	columbia	PROPN
cblr-14253	842	5	business	business	PROPN
cblr-14253	842	6	law	law	PROPN
cblr-14253	842	7	review	review	NOUN
cblr-14253	842	8	[	[	X
cblr-14253	842	9	vol	vol	NOUN
cblr-14253	842	10	.	.	PUNCT
cblr-14253	842	11	2025	2025	NUM
cblr-14253	842	12	a	a	DET
cblr-14253	842	13	manner	manner	NOUN
cblr-14253	842	14	that	that	PRON
cblr-14253	842	15	is	be	AUX
cblr-14253	842	16	free	free	ADJ
cblr-14253	842	17	of	of	ADP
cblr-14253	842	18	manipulation	manipulation	NOUN
cblr-14253	842	19	,	,	PUNCT
cblr-14253	842	20	”	"	PUNCT
cblr-14253	842	21	anything	anything	PRON
cblr-14253	842	22	less	less	ADJ
cblr-14253	842	23	than	than	ADP
cblr-14253	842	24	the	the	DET
cblr-14253	842	25	best	good	ADJ
cblr-14253	842	26	available	available	ADJ
cblr-14253	842	27	price	price	NOUN
cblr-14253	842	28	from	from	ADP
cblr-14253	842	29	a	a	DET
cblr-14253	842	30	reliable	reliable	ADJ
cblr-14253	842	31	vendor	vendor	NOUN
cblr-14253	842	32	would	would	AUX
cblr-14253	842	33	be	be	AUX
cblr-14253	842	34	outside	outside	ADP
cblr-14253	842	35	the	the	DET
cblr-14253	842	36	bounds	bound	NOUN
cblr-14253	842	37	of	of	ADP
cblr-14253	842	38	reasonable	reasonable	ADJ
cblr-14253	842	39	pricing	pricing	NOUN
cblr-14253	842	40	under	under	ADP
cblr-14253	842	41	the	the	DET
cblr-14253	842	42	circumstances.157	circumstances.157	NOUN
cblr-14253	842	43	as	as	SCONJ
cblr-14253	842	44	the	the	DET
cblr-14253	842	45	cfpb	cfpb	NOUN
cblr-14253	842	46	explained	explain	VERB
cblr-14253	842	47	,	,	PUNCT
cblr-14253	842	48	“	"	PUNCT
cblr-14253	842	49	entities	entity	NOUN
cblr-14253	842	50	should	should	AUX
cblr-14253	842	51	not	not	PART
cblr-14253	842	52	get	get	VERB
cblr-14253	842	53	a	a	DET
cblr-14253	842	54	windfall	windfall	NOUN
cblr-14253	842	55	due	due	ADP
cblr-14253	842	56	to	to	ADP
cblr-14253	842	57	a	a	DET
cblr-14253	842	58	gap	gap	NOUN
cblr-14253	842	59	in	in	ADP
cblr-14253	842	60	understanding	understanding	NOUN
cblr-14253	842	61	,	,	PUNCT
cblr-14253	842	62	unequal	unequal	ADJ
cblr-14253	842	63	bargaining	bargaining	NOUN
cblr-14253	842	64	power	power	NOUN
cblr-14253	842	65	,	,	PUNCT
cblr-14253	842	66	or	or	CCONJ
cblr-14253	842	67	consumer	consumer	NOUN
cblr-14253	842	68	reliance	reliance	NOUN
cblr-14253	842	69	.	.	PUNCT
cblr-14253	842	70	”158	”158	PUNCT
cblr-14253	843	1	thus	thus	ADV
cblr-14253	843	2	,	,	PUNCT
cblr-14253	843	3	any	any	DET
cblr-14253	843	4	above	above	ADJ
cblr-14253	843	5	-	-	PUNCT
cblr-14253	843	6	market	market	NOUN
cblr-14253	843	7	price	price	NOUN
cblr-14253	843	8	,	,	PUNCT
cblr-14253	843	9	unnecessary	unnecessary	ADJ
cblr-14253	843	10	“	"	PUNCT
cblr-14253	843	11	cadillac	cadillac	PROPN
cblr-14253	843	12	”	"	PUNCT
cblr-14253	843	13	policy	policy	NOUN
cblr-14253	843	14	or	or	CCONJ
cblr-14253	843	15	service	service	NOUN
cblr-14253	843	16	,	,	PUNCT
cblr-14253	843	17	or	or	CCONJ
cblr-14253	843	18	other	other	ADJ
cblr-14253	843	19	extra	extra	ADJ
cblr-14253	843	20	“	"	PUNCT
cblr-14253	843	21	junk	junk	NOUN
cblr-14253	843	22	”	"	PUNCT
cblr-14253	843	23	fee	fee	NOUN
cblr-14253	843	24	that	that	PRON
cblr-14253	843	25	creates	create	VERB
cblr-14253	843	26	windfall	windfall	NOUN
cblr-14253	843	27	revenue	revenue	NOUN
cblr-14253	843	28	for	for	ADP
cblr-14253	843	29	an	an	DET
cblr-14253	843	30	affiliated	affiliate	VERB
cblr-14253	843	31	-	-	PUNCT
cblr-14253	843	32	business	business	NOUN
cblr-14253	843	33	arrangement	arrangement	NOUN
cblr-14253	843	34	would	would	AUX
cblr-14253	843	35	be	be	AUX
cblr-14253	843	36	“	"	PUNCT
cblr-14253	843	37	abusive	abusive	ADJ
cblr-14253	843	38	”	"	PUNCT
cblr-14253	843	39	if	if	SCONJ
cblr-14253	843	40	it	it	PRON
cblr-14253	843	41	resulted	result	VERB
cblr-14253	843	42	from	from	ADP
cblr-14253	843	43	a	a	DET
cblr-14253	843	44	self	self	NOUN
cblr-14253	843	45	-	-	PUNCT
cblr-14253	843	46	dealt	deal	VERB
cblr-14253	843	47	referral	referral	NOUN
cblr-14253	843	48	.	.	PUNCT
cblr-14253	844	1	the	the	DET
cblr-14253	844	2	law	law	NOUN
cblr-14253	844	3	of	of	ADP
cblr-14253	844	4	unreasonable	unreasonable	ADJ
cblr-14253	844	5	advantage	advantage	NOUN
cblr-14253	844	6	-	-	PUNCT
cblr-14253	844	7	taking	taking	NOUN
cblr-14253	844	8	requires	require	VERB
cblr-14253	844	9	that	that	SCONJ
cblr-14253	844	10	consumers	consumer	NOUN
cblr-14253	844	11	are	be	AUX
cblr-14253	844	12	entitled	entitle	VERB
cblr-14253	844	13	to	to	ADP
cblr-14253	844	14	a	a	DET
cblr-14253	844	15	manipulation	manipulation	NOUN
cblr-14253	844	16	-	-	PUNCT
cblr-14253	844	17	free	free	ADJ
cblr-14253	844	18	price	price	NOUN
cblr-14253	844	19	point	point	NOUN
cblr-14253	844	20	for	for	ADP
cblr-14253	844	21	settlement	settlement	NOUN
cblr-14253	844	22	services	service	NOUN
cblr-14253	844	23	when	when	SCONJ
cblr-14253	844	24	the	the	DET
cblr-14253	844	25	closing	closing	NOUN
cblr-14253	844	26	involves	involve	VERB
cblr-14253	844	27	a	a	DET
cblr-14253	844	28	referral	referral	NOUN
cblr-14253	844	29	to	to	ADP
cblr-14253	844	30	an	an	DET
cblr-14253	844	31	affiliated	affiliate	VERB
cblr-14253	844	32	-	-	PUNCT
cblr-14253	844	33	business	business	NOUN
cblr-14253	844	34	arrangement.159	arrangement.159	ADP
cblr-14253	844	35	the	the	DET
cblr-14253	844	36	respa	respa	PROPN
cblr-14253	844	37	fair	fair	ADJ
cblr-14253	844	38	-	-	PUNCT
cblr-14253	844	39	market	market	NOUN
cblr-14253	844	40	-	-	PUNCT
cblr-14253	844	41	value	value	NOUN
cblr-14253	844	42	test	test	NOUN
cblr-14253	844	43	discussed	discuss	VERB
cblr-14253	844	44	in	in	ADP
cblr-14253	844	45	section	section	NOUN
cblr-14253	844	46	a	a	PRON
cblr-14253	844	47	of	of	ADP
cblr-14253	844	48	this	this	DET
cblr-14253	844	49	part	part	NOUN
cblr-14253	844	50	works	work	VERB
cblr-14253	844	51	in	in	ADP
cblr-14253	844	52	tandem	tandem	NOUN
cblr-14253	844	53	with	with	ADP
cblr-14253	844	54	a	a	DET
cblr-14253	844	55	prohibition	prohibition	NOUN
cblr-14253	844	56	of	of	ADP
cblr-14253	844	57	abusive	abusive	ADJ
cblr-14253	844	58	unreasonable	unreasonable	ADJ
cblr-14253	844	59	advantage	advantage	NOUN
cblr-14253	844	60	-	-	PUNCT
cblr-14253	844	61	taking	taking	NOUN
cblr-14253	844	62	.	.	PUNCT
cblr-14253	845	1	the	the	DET
cblr-14253	845	2	market	market	NOUN
cblr-14253	845	3	value	value	NOUN
cblr-14253	845	4	of	of	ADP
cblr-14253	845	5	a	a	DET
cblr-14253	845	6	referring	refer	VERB
cblr-14253	845	7	real	real	ADJ
cblr-14253	845	8	-	-	PUNCT
cblr-14253	845	9	estate	estate	NOUN
cblr-14253	845	10	agent	agent	NOUN
cblr-14253	845	11	’s	’s	PART
cblr-14253	845	12	ownership	ownership	NOUN
cblr-14253	845	13	share	share	NOUN
cblr-14253	845	14	in	in	ADP
cblr-14253	845	15	a	a	DET
cblr-14253	845	16	settlement	settlement	NOUN
cblr-14253	845	17	joint	joint	ADJ
cblr-14253	845	18	venture	venture	NOUN
cblr-14253	845	19	is	be	AUX
cblr-14253	845	20	likely	likely	ADJ
cblr-14253	845	21	to	to	PART
cblr-14253	845	22	be	be	AUX
cblr-14253	845	23	much	much	ADV
cblr-14253	845	24	higher	high	ADJ
cblr-14253	845	25	if	if	SCONJ
cblr-14253	845	26	the	the	DET
cblr-14253	845	27	joint	joint	ADJ
cblr-14253	845	28	venture	venture	NOUN
cblr-14253	845	29	has	have	VERB
cblr-14253	845	30	tacit	tacit	ADJ
cblr-14253	845	31	plans	plan	NOUN
cblr-14253	845	32	to	to	PART
cblr-14253	845	33	charge	charge	VERB
cblr-14253	845	34	unreasonable	unreasonable	ADJ
cblr-14253	845	35	prices	price	NOUN
cblr-14253	845	36	to	to	PART
cblr-14253	845	37	referred	refer	VERB
cblr-14253	845	38	customers	customer	NOUN
cblr-14253	845	39	.	.	PUNCT
cblr-14253	846	1	but	but	CCONJ
cblr-14253	846	2	if	if	SCONJ
cblr-14253	846	3	referring	refer	VERB
cblr-14253	846	4	real	real	ADJ
cblr-14253	846	5	-	-	PUNCT
cblr-14253	846	6	estate	estate	NOUN
cblr-14253	846	7	agents	agent	NOUN
cblr-14253	846	8	do	do	AUX
cblr-14253	846	9	not	not	PART
cblr-14253	846	10	engage	engage	VERB
cblr-14253	846	11	in	in	ADP
cblr-14253	846	12	unreasonable	unreasonable	ADJ
cblr-14253	846	13	advantage	advantage	NOUN
cblr-14253	846	14	-	-	PUNCT
cblr-14253	846	15	taking	take	VERB
cblr-14253	846	16	through	through	ADP
cblr-14253	846	17	self	self	NOUN
cblr-14253	846	18	-	-	PUNCT
cblr-14253	846	19	dealing	deal	VERB
cblr-14253	846	20	referrals	referral	NOUN
cblr-14253	846	21	,	,	PUNCT
cblr-14253	846	22	there	there	PRON
cblr-14253	846	23	is	be	VERB
cblr-14253	846	24	less	less	ADJ
cblr-14253	846	25	value	value	NOUN
cblr-14253	846	26	to	to	PART
cblr-14253	846	27	be	be	AUX
cblr-14253	846	28	gained	gain	VERB
cblr-14253	846	29	from	from	ADP
cblr-14253	846	30	forming	form	VERB
cblr-14253	846	31	an	an	DET
cblr-14253	846	32	affiliated	affiliate	VERB
cblr-14253	846	33	-	-	PUNCT
cblr-14253	846	34	business	business	NOUN
cblr-14253	846	35	arrangement	arrangement	NOUN
cblr-14253	846	36	.	.	PUNCT
cblr-14253	847	1	excess	excess	ADJ
cblr-14253	847	2	discounts	discount	NOUN
cblr-14253	847	3	in	in	ADP
cblr-14253	847	4	affiliated	affiliated	ADJ
cblr-14253	847	5	-	-	PUNCT
cblr-14253	847	6	business	business	NOUN
cblr-14253	847	7	-	-	PUNCT
cblr-14253	847	8	arrangement	arrangement	NOUN
cblr-14253	847	9	formation	formation	NOUN
cblr-14253	847	10	violate	violate	VERB
cblr-14253	847	11	respa	respa	NOUN
cblr-14253	847	12	.	.	PUNCT
cblr-14253	848	1	excess	excess	ADJ
cblr-14253	848	2	closing	closing	NOUN
cblr-14253	848	3	costs	cost	NOUN
cblr-14253	848	4	in	in	ADP
cblr-14253	848	5	affiliated	affiliate	VERB
cblr-14253	848	6	-	-	PUNCT
cblr-14253	848	7	business	business	NOUN
cblr-14253	848	8	-	-	PUNCT
cblr-14253	848	9	arrangement	arrangement	NOUN
cblr-14253	848	10	operations	operation	NOUN
cblr-14253	848	11	violate	violate	VERB
cblr-14253	848	12	the	the	DET
cblr-14253	848	13	cfpa	cfpa	NOUN
cblr-14253	848	14	.	.	PUNCT
cblr-14253	849	1	either	either	DET
cblr-14253	849	2	way	way	NOUN
cblr-14253	849	3	,	,	PUNCT
cblr-14253	849	4	settlement	settlement	NOUN
cblr-14253	849	5	joint	joint	ADJ
cblr-14253	849	6	ventures	venture	NOUN
cblr-14253	849	7	require	require	VERB
cblr-14253	849	8	careful	careful	ADJ
cblr-14253	849	9	judicial	judicial	ADJ
cblr-14253	849	10	scrutiny	scrutiny	NOUN
cblr-14253	849	11	because	because	SCONJ
cblr-14253	849	12	of	of	ADP
cblr-14253	849	13	their	their	PRON
cblr-14253	849	14	potential	potential	NOUN
cblr-14253	849	15	for	for	ADP
cblr-14253	849	16	enabling	enable	VERB
cblr-14253	849	17	an	an	DET
cblr-14253	849	18	opaque	opaque	ADJ
cblr-14253	849	19	web	web	NOUN
cblr-14253	849	20	of	of	ADP
cblr-14253	849	21	corrupt	corrupt	ADJ
cblr-14253	849	22	real	real	ADJ
cblr-14253	849	23	-	-	PUNCT
cblr-14253	849	24	estatesettlement	estatesettlement	NOUN
cblr-14253	849	25	relationships	relationship	NOUN
cblr-14253	849	26	that	that	PRON
cblr-14253	849	27	congress	congress	PROPN
cblr-14253	849	28	has	have	AUX
cblr-14253	849	29	,	,	PUNCT
cblr-14253	849	30	for	for	ADP
cblr-14253	849	31	decades	decade	NOUN
cblr-14253	849	32	,	,	PUNCT
cblr-14253	849	33	attempted	attempt	VERB
cblr-14253	849	34	to	to	ADP
cblr-14253	849	35	prevent.160	prevent.160	VERB
cblr-14253	849	36	and	and	CCONJ
cblr-14253	849	37	real	real	ADJ
cblr-14253	849	38	-	-	PUNCT
cblr-14253	849	39	estate	estate	NOUN
cblr-14253	849	40	professionals	professional	NOUN
cblr-14253	849	41	who	who	PRON
cblr-14253	849	42	157	157	NUM
cblr-14253	849	43	i	i	NOUN
cblr-14253	849	44	d.	d.	PROPN
cblr-14253	849	45	at	at	ADP
cblr-14253	849	46	21890	21890	NUM
cblr-14253	849	47	.	.	PUNCT
cblr-14253	850	1	158	158	NUM
cblr-14253	851	1	i	i	PRON
cblr-14253	851	2	d.	d.	PROPN
cblr-14253	851	3	at	at	ADP
cblr-14253	851	4	21886	21886	NUM
cblr-14253	851	5	.	.	PUNCT
cblr-14253	852	1	159	159	NUM
cblr-14253	852	2	i	i	PRON
cblr-14253	852	3	d.	d.	PROPN
cblr-14253	852	4	at	at	ADP
cblr-14253	852	5	21890	21890	NUM
cblr-14253	852	6	.	.	PUNCT
cblr-14253	853	1	see	see	VERB
cblr-14253	853	2	also	also	ADV
cblr-14253	853	3	u.s	u.s	PROPN
cblr-14253	853	4	.	.	PROPN
cblr-14253	853	5	dep’t	dep’t	NOUN
cblr-14253	853	6	of	of	ADP
cblr-14253	853	7	treasury	treasury	PROPN
cblr-14253	853	8	,	,	PUNCT
cblr-14253	853	9	financial	financial	ADJ
cblr-14253	853	10	regulatory	regulatory	ADJ
cblr-14253	853	11	reform	reform	NOUN
cblr-14253	853	12	68	68	NUM
cblr-14253	853	13	(	(	PUNCT
cblr-14253	853	14	2009	2009	NUM
cblr-14253	853	15	)	)	PUNCT
cblr-14253	853	16	,	,	PUNCT
cblr-14253	853	17	https://fraser.stlouisfed.org/title/financialregulatory-reform-5123	https://fraser.stlouisfed.org/title/financialregulatory-reform-5123	VERB
cblr-14253	854	1	[	[	X
cblr-14253	854	2	https://perma.cc/9jrv-uynn	https://perma.cc/9jrv-uynn	X
cblr-14253	854	3	]	]	X
cblr-14253	854	4	(	(	PUNCT
cblr-14253	854	5	‘	'	PUNCT
cblr-14253	854	6	‘	'	PUNCT
cblr-14253	854	7	[	[	X
cblr-14253	854	8	c]onsumers	c]onsumer	NOUN
cblr-14253	854	9	may	may	AUX
cblr-14253	854	10	reasonably	reasonably	ADV
cblr-14253	854	11	but	but	CCONJ
cblr-14253	854	12	mistakenly	mistakenly	ADV
cblr-14253	854	13	rely	rely	VERB
cblr-14253	854	14	on	on	ADP
cblr-14253	854	15	advice	advice	NOUN
cblr-14253	854	16	from	from	ADP
cblr-14253	854	17	conflicted	conflicted	ADJ
cblr-14253	854	18	intermediaries	intermediary	NOUN
cblr-14253	854	19	.	.	PUNCT
cblr-14253	854	20	’’	’'	PUNCT
cblr-14253	854	21	)	)	PUNCT
cblr-14253	854	22	.	.	PUNCT
cblr-14253	855	1	160	160	NUM
cblr-14253	855	2	see	see	VERB
cblr-14253	855	3	real	real	ADJ
cblr-14253	855	4	estate	estate	NOUN
cblr-14253	855	5	settlement	settlement	NOUN
cblr-14253	855	6	procedures	procedure	NOUN
cblr-14253	855	7	act	act	VERB
cblr-14253	855	8	,	,	PUNCT
cblr-14253	855	9	pub	pub	NOUN
cblr-14253	855	10	.	.	PUNCT
cblr-14253	856	1	l.	l.	PROPN
cblr-14253	856	2	no	no	INTJ
cblr-14253	856	3	.	.	PROPN
cblr-14253	857	1	93	93	NUM
cblr-14253	857	2	-	-	SYM
cblr-14253	857	3	533	533	NUM
cblr-14253	857	4	,	,	PUNCT
cblr-14253	857	5	88	88	NUM
cblr-14253	857	6	stat	stat	NOUN
cblr-14253	857	7	.	.	PUNCT
cblr-14253	858	1	1724	1724	NUM
cblr-14253	858	2	(	(	PUNCT
cblr-14253	858	3	1974	1974	NUM
cblr-14253	858	4	)	)	PUNCT
cblr-14253	858	5	(	(	PUNCT
cblr-14253	858	6	codified	codify	VERB
cblr-14253	858	7	at	at	ADP
cblr-14253	858	8	12	12	NUM
cblr-14253	858	9	u.s.c	u.s.c	NOUN
cblr-14253	858	10	.	.	PUNCT
cblr-14253	859	1	§	§	PROPN
cblr-14253	859	2	2601(a	2601(a	NOUN
cblr-14253	859	3	)	)	PUNCT
cblr-14253	859	4	)	)	PUNCT
cblr-14253	860	1	(	(	PUNCT
cblr-14253	860	2	attempting	attempt	VERB
cblr-14253	860	3	to	to	PART
cblr-14253	860	4	ensure	ensure	VERB
cblr-14253	860	5	consumers	consumer	NOUN
cblr-14253	860	6	“	"	PUNCT
cblr-14253	860	7	are	be	AUX
cblr-14253	860	8	protected	protect	VERB
cblr-14253	860	9	from	from	ADP
cblr-14253	860	10	unnecessarily	unnecessarily	ADV
cblr-14253	860	11	high	high	ADJ
cblr-14253	860	12	settlement	settlement	NOUN
cblr-14253	860	13	charges	charge	NOUN
cblr-14253	860	14	no	no	INTJ
cblr-14253	860	15	.	.	NOUN
cblr-14253	860	16	1	1	NUM
cblr-14253	860	17	]	]	PUNCT
cblr-14253	860	18	corrupt	corrupt	ADJ
cblr-14253	860	19	joint	joint	ADJ
cblr-14253	860	20	ventures	venture	NOUN
cblr-14253	860	21	441	441	NUM
cblr-14253	860	22	want	want	VERB
cblr-14253	860	23	to	to	PART
cblr-14253	860	24	preserve	preserve	VERB
cblr-14253	860	25	their	their	PRON
cblr-14253	860	26	reputation	reputation	NOUN
cblr-14253	860	27	should	should	AUX
cblr-14253	860	28	treat	treat	VERB
cblr-14253	860	29	with	with	ADP
cblr-14253	860	30	caution	caution	NOUN
cblr-14253	860	31	this	this	DET
cblr-14253	860	32	method	method	NOUN
cblr-14253	860	33	of	of	ADP
cblr-14253	860	34	“	"	PUNCT
cblr-14253	860	35	cut[ing	cut[e	VERB
cblr-14253	860	36	]	]	X
cblr-14253	860	37	right	right	NOUN
cblr-14253	860	38	to	to	ADP
cblr-14253	860	39	the	the	DET
cblr-14253	860	40	front	front	NOUN
cblr-14253	860	41	of	of	ADP
cblr-14253	860	42	the	the	DET
cblr-14253	860	43	line	line	NOUN
cblr-14253	860	44	.	.	PUNCT
cblr-14253	861	1	”161	”161	VERB
cblr-14253	861	2	vi	vi	PROPN
cblr-14253	861	3	.	.	PUNCT
cblr-14253	861	4	policy	policy	NOUN
cblr-14253	861	5	recommendations	recommendation	NOUN
cblr-14253	861	6	this	this	DET
cblr-14253	861	7	part	part	NOUN
cblr-14253	861	8	sets	set	VERB
cblr-14253	861	9	out	out	ADP
cblr-14253	861	10	policy	policy	NOUN
cblr-14253	861	11	recommendations	recommendation	NOUN
cblr-14253	861	12	for	for	ADP
cblr-14253	861	13	policy	policy	NOUN
cblr-14253	861	14	makers	maker	NOUN
cblr-14253	861	15	and	and	CCONJ
cblr-14253	861	16	stakeholders	stakeholder	NOUN
cblr-14253	861	17	.	.	PUNCT
cblr-14253	862	1	beginning	begin	VERB
cblr-14253	862	2	with	with	ADP
cblr-14253	862	3	the	the	DET
cblr-14253	862	4	cfpb	cfpb	NOUN
cblr-14253	862	5	,	,	PUNCT
cblr-14253	862	6	the	the	DET
cblr-14253	862	7	bureau	bureau	NOUN
cblr-14253	862	8	should	should	AUX
cblr-14253	862	9	use	use	VERB
cblr-14253	862	10	a	a	DET
cblr-14253	862	11	variety	variety	NOUN
cblr-14253	862	12	of	of	ADP
cblr-14253	862	13	its	its	PRON
cblr-14253	862	14	tools	tool	NOUN
cblr-14253	862	15	to	to	PART
cblr-14253	862	16	address	address	VERB
cblr-14253	862	17	the	the	DET
cblr-14253	862	18	persistent	persistent	ADJ
cblr-14253	862	19	and	and	CCONJ
cblr-14253	862	20	growing	grow	VERB
cblr-14253	862	21	challenges	challenge	NOUN
cblr-14253	862	22	posed	pose	VERB
cblr-14253	862	23	by	by	ADP
cblr-14253	862	24	non	non	ADJ
cblr-14253	862	25	-	-	ADJ
cblr-14253	862	26	compliant	compliant	ADJ
cblr-14253	862	27	real	real	ADJ
cblr-14253	862	28	-	-	PUNCT
cblr-14253	862	29	estate	estate	NOUN
cblr-14253	862	30	-	-	PUNCT
cblr-14253	862	31	settlement	settlement	NOUN
cblr-14253	862	32	joint	joint	ADJ
cblr-14253	862	33	ventures	venture	NOUN
cblr-14253	862	34	.	.	PUNCT
cblr-14253	863	1	first	first	ADV
cblr-14253	863	2	,	,	PUNCT
cblr-14253	863	3	the	the	DET
cblr-14253	863	4	cfpb	cfpb	NOUN
cblr-14253	863	5	should	should	AUX
cblr-14253	863	6	issue	issue	VERB
cblr-14253	863	7	detailed	detailed	ADJ
cblr-14253	863	8	guidance	guidance	NOUN
cblr-14253	863	9	in	in	ADP
cblr-14253	863	10	a	a	DET
cblr-14253	863	11	consumer	consumer	NOUN
cblr-14253	863	12	-	-	PUNCT
cblr-14253	863	13	financial	financial	ADJ
cblr-14253	863	14	-	-	PUNCT
cblr-14253	863	15	protection	protection	NOUN
cblr-14253	863	16	circular	circular	NOUN
cblr-14253	863	17	or	or	CCONJ
cblr-14253	863	18	a	a	DET
cblr-14253	863	19	policy	policy	NOUN
cblr-14253	863	20	statement	statement	NOUN
cblr-14253	863	21	explaining	explain	VERB
cblr-14253	863	22	that	that	SCONJ
cblr-14253	863	23	joint	joint	ADJ
cblr-14253	863	24	ventures	venture	NOUN
cblr-14253	863	25	do	do	AUX
cblr-14253	863	26	not	not	PART
cblr-14253	863	27	qualify	qualify	VERB
cblr-14253	863	28	for	for	ADP
cblr-14253	863	29	the	the	DET
cblr-14253	863	30	exception	exception	NOUN
cblr-14253	863	31	for	for	ADP
cblr-14253	863	32	affiliated	affiliate	VERB
cblr-14253	863	33	-	-	PUNCT
cblr-14253	863	34	business	business	NOUN
cblr-14253	863	35	arrangements	arrangement	NOUN
cblr-14253	863	36	unless	unless	SCONJ
cblr-14253	863	37	all	all	DET
cblr-14253	863	38	owners	owner	NOUN
cblr-14253	863	39	of	of	ADP
cblr-14253	863	40	the	the	DET
cblr-14253	863	41	joint	joint	ADJ
cblr-14253	863	42	venture	venture	NOUN
cblr-14253	863	43	paid	pay	VERB
cblr-14253	863	44	fairmarket	fairmarket	NOUN
cblr-14253	863	45	value	value	NOUN
cblr-14253	863	46	for	for	ADP
cblr-14253	863	47	their	their	PRON
cblr-14253	863	48	equity	equity	NOUN
cblr-14253	863	49	stakes	stake	NOUN
cblr-14253	863	50	.	.	PUNCT
cblr-14253	864	1	moreover	moreover	ADV
cblr-14253	864	2	,	,	PUNCT
cblr-14253	864	3	the	the	DET
cblr-14253	864	4	guidance	guidance	NOUN
cblr-14253	864	5	should	should	AUX
cblr-14253	864	6	clarify	clarify	VERB
cblr-14253	864	7	that	that	SCONJ
cblr-14253	864	8	even	even	ADV
cblr-14253	864	9	when	when	SCONJ
cblr-14253	864	10	formed	form	VERB
cblr-14253	864	11	in	in	ADP
cblr-14253	864	12	compliance	compliance	NOUN
cblr-14253	864	13	with	with	ADP
cblr-14253	864	14	respa	respa	NOUN
cblr-14253	864	15	,	,	PUNCT
cblr-14253	864	16	owners	owner	NOUN
cblr-14253	864	17	can	can	AUX
cblr-14253	864	18	nonetheless	nonetheless	ADV
cblr-14253	864	19	engage	engage	VERB
cblr-14253	864	20	in	in	ADP
cblr-14253	864	21	abusive	abusive	ADJ
cblr-14253	864	22	conduct	conduct	NOUN
cblr-14253	864	23	by	by	ADP
cblr-14253	864	24	self	self	NOUN
cblr-14253	864	25	-	-	PUNCT
cblr-14253	864	26	dealing	deal	VERB
cblr-14253	864	27	referrals	referral	NOUN
cblr-14253	864	28	that	that	PRON
cblr-14253	864	29	take	take	VERB
cblr-14253	864	30	unreasonable	unreasonable	ADJ
cblr-14253	864	31	advantage	advantage	NOUN
cblr-14253	864	32	of	of	ADP
cblr-14253	864	33	the	the	DET
cblr-14253	864	34	affiliated	affiliate	VERB
cblr-14253	864	35	-	-	PUNCT
cblr-14253	864	36	business	business	NOUN
cblr-14253	864	37	arrangement	arrangement	NOUN
cblr-14253	864	38	’s	’s	PART
cblr-14253	864	39	customers	customer	NOUN
cblr-14253	864	40	.	.	PUNCT
cblr-14253	865	1	the	the	DET
cblr-14253	865	2	bureau	bureau	NOUN
cblr-14253	865	3	should	should	AUX
cblr-14253	865	4	then	then	ADV
cblr-14253	865	5	incorporate	incorporate	VERB
cblr-14253	865	6	these	these	DET
cblr-14253	865	7	principles	principle	NOUN
cblr-14253	865	8	into	into	ADP
cblr-14253	865	9	its	its	PRON
cblr-14253	865	10	supervision	supervision	NOUN
cblr-14253	865	11	exam	exam	NOUN
cblr-14253	865	12	manual	manual	NOUN
cblr-14253	865	13	,	,	PUNCT
cblr-14253	865	14	with	with	ADP
cblr-14253	865	15	specific	specific	ADJ
cblr-14253	865	16	protocols	protocol	NOUN
cblr-14253	865	17	and	and	CCONJ
cblr-14253	865	18	examiner	examiner	NOUN
cblr-14253	865	19	training	training	NOUN
cblr-14253	865	20	on	on	ADP
cblr-14253	865	21	identifying	identify	VERB
cblr-14253	865	22	and	and	CCONJ
cblr-14253	865	23	addressing	address	VERB
cblr-14253	865	24	non	non	ADJ
cblr-14253	865	25	-	-	ADJ
cblr-14253	865	26	compliant	compliant	ADJ
cblr-14253	865	27	real	real	ADJ
cblr-14253	865	28	-	-	PUNCT
cblr-14253	865	29	estatesettlement	estatesettlement	NOUN
cblr-14253	865	30	joint	joint	ADJ
cblr-14253	865	31	ventures	venture	NOUN
cblr-14253	865	32	.	.	PUNCT
cblr-14253	866	1	the	the	DET
cblr-14253	866	2	goal	goal	NOUN
cblr-14253	866	3	of	of	ADP
cblr-14253	866	4	this	this	DET
cblr-14253	866	5	guidance	guidance	NOUN
cblr-14253	866	6	should	should	AUX
cblr-14253	866	7	be	be	AUX
cblr-14253	866	8	to	to	PART
cblr-14253	866	9	add	add	VERB
cblr-14253	866	10	clarity	clarity	NOUN
cblr-14253	866	11	for	for	ADP
cblr-14253	866	12	courts	court	NOUN
cblr-14253	866	13	,	,	PUNCT
cblr-14253	866	14	deter	deter	VERB
cblr-14253	866	15	unlawful	unlawful	ADJ
cblr-14253	866	16	practices	practice	NOUN
cblr-14253	866	17	,	,	PUNCT
cblr-14253	866	18	and	and	CCONJ
cblr-14253	866	19	ensure	ensure	VERB
cblr-14253	866	20	compliance	compliance	NOUN
cblr-14253	866	21	with	with	ADP
cblr-14253	866	22	respa	respa	NOUN
cblr-14253	866	23	and	and	CCONJ
cblr-14253	866	24	the	the	DET
cblr-14253	866	25	cfpa	cfpa	NOUN
cblr-14253	866	26	.	.	PUNCT
cblr-14253	867	1	moreover	moreover	ADV
cblr-14253	867	2	,	,	PUNCT
cblr-14253	867	3	the	the	DET
cblr-14253	867	4	cfpb	cfpb	NOUN
cblr-14253	867	5	should	should	AUX
cblr-14253	867	6	intensify	intensify	VERB
cblr-14253	867	7	its	its	PRON
cblr-14253	867	8	enforcement	enforcement	NOUN
cblr-14253	867	9	efforts	effort	NOUN
cblr-14253	867	10	,	,	PUNCT
cblr-14253	867	11	investigating	investigate	VERB
cblr-14253	867	12	businesses	business	NOUN
cblr-14253	867	13	that	that	PRON
cblr-14253	867	14	circumvent	circumvent	VERB
cblr-14253	867	15	respa	respa	NOUN
cblr-14253	867	16	by	by	ADP
cblr-14253	867	17	caused	cause	VERB
cblr-14253	867	18	by	by	ADP
cblr-14253	867	19	certain	certain	ADJ
cblr-14253	867	20	abusive	abusive	ADJ
cblr-14253	867	21	practices	practice	NOUN
cblr-14253	867	22	that	that	PRON
cblr-14253	867	23	have	have	AUX
cblr-14253	867	24	developed	develop	VERB
cblr-14253	867	25	in	in	ADP
cblr-14253	867	26	some	some	DET
cblr-14253	867	27	areas	area	NOUN
cblr-14253	867	28	of	of	ADP
cblr-14253	867	29	the	the	DET
cblr-14253	867	30	country	country	NOUN
cblr-14253	867	31	.	.	PUNCT
cblr-14253	867	32	”	"	PUNCT
cblr-14253	867	33	)	)	PUNCT
cblr-14253	867	34	.	.	PUNCT
cblr-14253	868	1	161	161	NUM
cblr-14253	868	2	wade	wade	PROPN
cblr-14253	868	3	vander	vander	PROPN
cblr-14253	868	4	molen	molen	PROPN
cblr-14253	868	5	,	,	PUNCT
cblr-14253	868	6	should	should	AUX
cblr-14253	868	7	my	my	PRON
cblr-14253	868	8	real	real	ADJ
cblr-14253	868	9	estate	estate	NOUN
cblr-14253	868	10	team	team	NOUN
cblr-14253	868	11	sign	sign	VERB
cblr-14253	868	12	a	a	DET
cblr-14253	868	13	title	title	NOUN
cblr-14253	868	14	company	company	NOUN
cblr-14253	868	15	joint	joint	ADJ
cblr-14253	868	16	venture	venture	NOUN
cblr-14253	868	17	?	?	PUNCT
cblr-14253	868	18	,	,	PUNCT
cblr-14253	868	19	youtube	youtube	NOUN
cblr-14253	868	20	(	(	PUNCT
cblr-14253	868	21	june	june	PROPN
cblr-14253	868	22	2	2	NUM
cblr-14253	868	23	,	,	PUNCT
cblr-14253	868	24	2022	2022	NUM
cblr-14253	868	25	)	)	PUNCT
cblr-14253	868	26	,	,	PUNCT
cblr-14253	868	27	https://youtu.be/6shecsq1qme	https://youtu.be/6shecsq1qme	NOUN
cblr-14253	868	28	[	[	X
cblr-14253	868	29	https://perma.cc/725v-5d8v	https://perma.cc/725v-5d8v	X
cblr-14253	868	30	]	]	X
cblr-14253	868	31	(	(	PUNCT
cblr-14253	868	32	“	"	PUNCT
cblr-14253	868	33	that	that	PRON
cblr-14253	868	34	’s	’	VERB
cblr-14253	868	35	why	why	SCONJ
cblr-14253	868	36	this	this	PRON
cblr-14253	868	37	is	be	AUX
cblr-14253	868	38	happening	happen	VERB
cblr-14253	868	39	.	.	PUNCT
cblr-14253	868	40	.	.	PUNCT
cblr-14253	868	41	.	.	PUNCT
cblr-14253	869	1	.	.	PUNCT
cblr-14253	870	1	it	it	PRON
cblr-14253	870	2	’s	’	VERB
cblr-14253	870	3	the	the	DET
cblr-14253	870	4	easiest	easy	ADJ
cblr-14253	870	5	path	path	NOUN
cblr-14253	870	6	to	to	ADP
cblr-14253	870	7	business	business	NOUN
cblr-14253	870	8	.	.	PUNCT
cblr-14253	871	1	we	we	PRON
cblr-14253	871	2	’ll	’ll	AUX
cblr-14253	871	3	just	just	ADV
cblr-14253	871	4	cut	cut	VERB
cblr-14253	871	5	the	the	DET
cblr-14253	871	6	line	line	NOUN
cblr-14253	871	7	.	.	PUNCT
cblr-14253	872	1	we	we	PRON
cblr-14253	872	2	’ll	’ll	AUX
cblr-14253	872	3	just	just	ADV
cblr-14253	872	4	go	go	VERB
cblr-14253	872	5	right	right	ADV
cblr-14253	872	6	to	to	ADP
cblr-14253	872	7	the	the	DET
cblr-14253	872	8	front	front	NOUN
cblr-14253	872	9	.	.	PUNCT
cblr-14253	873	1	versus	versus	SCONJ
cblr-14253	873	2	hey	hey	INTJ
cblr-14253	873	3	i	i	PRON
cblr-14253	873	4	’m	’m	AUX
cblr-14253	873	5	actually	actually	ADV
cblr-14253	873	6	building	build	VERB
cblr-14253	873	7	the	the	DET
cblr-14253	873	8	relationships	relationship	NOUN
cblr-14253	873	9	.	.	PUNCT
cblr-14253	874	1	i	i	PRON
cblr-14253	874	2	’m	’m	VERB
cblr-14253	874	3	adding	add	VERB
cblr-14253	874	4	value	value	NOUN
cblr-14253	874	5	.	.	PUNCT
cblr-14253	875	1	i	i	PRON
cblr-14253	875	2	’m	’m	AUX
cblr-14253	875	3	helping	help	VERB
cblr-14253	875	4	them	they	PRON
cblr-14253	875	5	generate	generate	VERB
cblr-14253	875	6	listings	listing	NOUN
cblr-14253	875	7	.	.	PUNCT
cblr-14253	876	1	i	i	PRON
cblr-14253	876	2	’m	’m	AUX
cblr-14253	876	3	helping	help	VERB
cblr-14253	876	4	them	they	PRON
cblr-14253	876	5	target	target	VERB
cblr-14253	876	6	market	market	NOUN
cblr-14253	876	7	people	people	NOUN
cblr-14253	876	8	.	.	PUNCT
cblr-14253	877	1	i	i	PRON
cblr-14253	877	2	’m	’m	AUX
cblr-14253	877	3	helping	help	VERB
cblr-14253	877	4	them	they	PRON
cblr-14253	877	5	with	with	ADP
cblr-14253	877	6	an	an	DET
cblr-14253	877	7	online	online	ADJ
cblr-14253	877	8	presence	presence	NOUN
cblr-14253	877	9	.	.	PUNCT
cblr-14253	878	1	i	i	PRON
cblr-14253	878	2	’m	’m	AUX
cblr-14253	878	3	helping	help	VERB
cblr-14253	878	4	them	they	PRON
cblr-14253	878	5	fix	fix	VERB
cblr-14253	878	6	their	their	PRON
cblr-14253	878	7	website	website	NOUN
cblr-14253	878	8	because	because	SCONJ
cblr-14253	878	9	it	it	PRON
cblr-14253	878	10	’s	’	VERB
cblr-14253	878	11	not	not	PART
cblr-14253	878	12	very	very	ADV
cblr-14253	878	13	good	good	ADJ
cblr-14253	878	14	.	.	PUNCT
cblr-14253	879	1	i	i	PRON
cblr-14253	879	2	’m	’m	AUX
cblr-14253	879	3	teaching	teach	VERB
cblr-14253	879	4	them	they	PRON
cblr-14253	879	5	stuff	stuff	NOUN
cblr-14253	879	6	all	all	DET
cblr-14253	879	7	the	the	DET
cblr-14253	879	8	time	time	NOUN
cblr-14253	879	9	.	.	PUNCT
cblr-14253	880	1	ok	ok	INTJ
cblr-14253	880	2	—	—	PUNCT
cblr-14253	880	3	that	that	PRON
cblr-14253	880	4	’s	’	VERB
cblr-14253	880	5	all	all	ADV
cblr-14253	880	6	great	great	ADJ
cblr-14253	880	7	.	.	PUNCT
cblr-14253	881	1	but	but	CCONJ
cblr-14253	881	2	these	these	DET
cblr-14253	881	3	title	title	NOUN
cblr-14253	881	4	companies	company	NOUN
cblr-14253	881	5	are	be	AUX
cblr-14253	881	6	like	like	ADP
cblr-14253	881	7	,	,	PUNCT
cblr-14253	881	8	we	we	PRON
cblr-14253	881	9	’re	’re	AUX
cblr-14253	881	10	just	just	ADV
cblr-14253	881	11	going	go	VERB
cblr-14253	881	12	to	to	PART
cblr-14253	881	13	cut	cut	VERB
cblr-14253	881	14	right	right	ADV
cblr-14253	881	15	to	to	ADP
cblr-14253	881	16	the	the	DET
cblr-14253	881	17	front	front	NOUN
cblr-14253	881	18	of	of	ADP
cblr-14253	881	19	the	the	DET
cblr-14253	881	20	line	line	NOUN
cblr-14253	881	21	right	right	ADJ
cblr-14253	881	22	.	.	PUNCT
cblr-14253	881	23	”	"	PUNCT
cblr-14253	881	24	)	)	PUNCT
cblr-14253	881	25	.	.	PUNCT
cblr-14253	882	1	442	442	NUM
cblr-14253	882	2	columbia	columbia	PROPN
cblr-14253	882	3	business	business	NOUN
cblr-14253	882	4	law	law	PROPN
cblr-14253	882	5	review	review	NOUN
cblr-14253	882	6	[	[	X
cblr-14253	882	7	vol	vol	NOUN
cblr-14253	882	8	.	.	PUNCT
cblr-14253	882	9	2025	2025	NUM
cblr-14253	882	10	offering	offering	NOUN
cblr-14253	882	11	and	and	CCONJ
cblr-14253	882	12	accepting	accept	VERB
cblr-14253	882	13	discounted	discount	VERB
cblr-14253	882	14	opportunities	opportunity	NOUN
cblr-14253	882	15	to	to	PART
cblr-14253	882	16	purchase	purchase	VERB
cblr-14253	882	17	ownership	ownership	NOUN
cblr-14253	882	18	in	in	ADP
cblr-14253	882	19	settlement	settlement	NOUN
cblr-14253	882	20	joint	joint	ADJ
cblr-14253	882	21	ventures	venture	NOUN
cblr-14253	882	22	.	.	PUNCT
cblr-14253	883	1	while	while	SCONJ
cblr-14253	883	2	hud	hud	PROPN
cblr-14253	883	3	had	have	VERB
cblr-14253	883	4	the	the	DET
cblr-14253	883	5	luxury	luxury	NOUN
cblr-14253	883	6	of	of	ADP
cblr-14253	883	7	focusing	focus	VERB
cblr-14253	883	8	on	on	ADP
cblr-14253	883	9	respa	respa	PROPN
cblr-14253	883	10	enforcement	enforcement	NOUN
cblr-14253	883	11	,	,	PUNCT
cblr-14253	883	12	the	the	DET
cblr-14253	883	13	bureau	bureau	NOUN
cblr-14253	883	14	must	must	AUX
cblr-14253	883	15	enforce	enforce	VERB
cblr-14253	883	16	more	more	ADJ
cblr-14253	883	17	than	than	ADP
cblr-14253	883	18	a	a	DET
cblr-14253	883	19	dozen	dozen	NOUN
cblr-14253	883	20	laws	law	NOUN
cblr-14253	883	21	across	across	ADP
cblr-14253	883	22	a	a	DET
cblr-14253	883	23	multitude	multitude	NOUN
cblr-14253	883	24	of	of	ADP
cblr-14253	883	25	markets	market	NOUN
cblr-14253	883	26	.	.	PUNCT
cblr-14253	884	1	the	the	DET
cblr-14253	884	2	bureau	bureau	NOUN
cblr-14253	884	3	must	must	AUX
cblr-14253	884	4	inevitably	inevitably	ADV
cblr-14253	884	5	make	make	VERB
cblr-14253	884	6	difficult	difficult	ADJ
cblr-14253	884	7	resource	resource	NOUN
cblr-14253	884	8	-	-	PUNCT
cblr-14253	884	9	allocation	allocation	NOUN
cblr-14253	884	10	decisions	decision	NOUN
cblr-14253	884	11	.	.	PUNCT
cblr-14253	885	1	but	but	CCONJ
cblr-14253	885	2	discounted	discount	VERB
cblr-14253	885	3	joint	joint	ADJ
cblr-14253	885	4	ventures	venture	NOUN
cblr-14253	885	5	should	should	AUX
cblr-14253	885	6	be	be	AUX
cblr-14253	885	7	among	among	ADP
cblr-14253	885	8	the	the	DET
cblr-14253	885	9	bureau	bureau	NOUN
cblr-14253	885	10	’s	’s	PART
cblr-14253	885	11	priorities	priority	NOUN
cblr-14253	885	12	.	.	PUNCT
cblr-14253	886	1	even	even	ADV
cblr-14253	886	2	though	though	SCONJ
cblr-14253	886	3	individual	individual	ADJ
cblr-14253	886	4	respa	respa	PROPN
cblr-14253	886	5	enforcement	enforcement	NOUN
cblr-14253	886	6	cases	case	NOUN
cblr-14253	886	7	are	be	AUX
cblr-14253	886	8	unlikely	unlikely	ADJ
cblr-14253	886	9	to	to	PART
cblr-14253	886	10	produce	produce	VERB
cblr-14253	886	11	eye	eye	NOUN
cblr-14253	886	12	-	-	PUNCT
cblr-14253	886	13	popping	pop	VERB
cblr-14253	886	14	consumer	consumer	NOUN
cblr-14253	886	15	redress	redress	NOUN
cblr-14253	886	16	more	more	ADV
cblr-14253	886	17	typical	typical	ADJ
cblr-14253	886	18	in	in	ADP
cblr-14253	886	19	actions	action	NOUN
cblr-14253	886	20	against	against	ADP
cblr-14253	886	21	the	the	DET
cblr-14253	886	22	largest	large	ADJ
cblr-14253	886	23	national	national	ADJ
cblr-14253	886	24	banks	bank	NOUN
cblr-14253	886	25	,	,	PUNCT
cblr-14253	886	26	the	the	DET
cblr-14253	886	27	social	social	ADJ
cblr-14253	886	28	value	value	NOUN
cblr-14253	886	29	generated	generate	VERB
cblr-14253	886	30	from	from	ADP
cblr-14253	886	31	thoughtful	thoughtful	ADJ
cblr-14253	886	32	respa	respa	PROPN
cblr-14253	886	33	enforcement	enforcement	NOUN
cblr-14253	886	34	is	be	AUX
cblr-14253	886	35	nevertheless	nevertheless	ADV
cblr-14253	886	36	considerable	considerable	ADJ
cblr-14253	886	37	.	.	PUNCT
cblr-14253	887	1	many	many	ADJ
cblr-14253	887	2	small	small	ADJ
cblr-14253	887	3	and	and	CCONJ
cblr-14253	887	4	medium	medium	ADJ
cblr-14253	887	5	-	-	PUNCT
cblr-14253	887	6	sized	sized	ADJ
cblr-14253	887	7	real	real	ADJ
cblr-14253	887	8	-	-	PUNCT
cblr-14253	887	9	estate	estate	NOUN
cblr-14253	887	10	businesses	business	NOUN
cblr-14253	887	11	carefully	carefully	ADV
cblr-14253	887	12	watch	watch	VERB
cblr-14253	887	13	the	the	DET
cblr-14253	887	14	bureau	bureau	NOUN
cblr-14253	887	15	’s	’s	PART
cblr-14253	887	16	enforcement	enforcement	NOUN
cblr-14253	887	17	cases	case	NOUN
cblr-14253	887	18	for	for	ADP
cblr-14253	887	19	clues	clue	NOUN
cblr-14253	887	20	about	about	ADP
cblr-14253	887	21	the	the	DET
cblr-14253	887	22	direction	direction	NOUN
cblr-14253	887	23	of	of	ADP
cblr-14253	887	24	future	future	ADJ
cblr-14253	887	25	regulation	regulation	NOUN
cblr-14253	887	26	.	.	PUNCT
cblr-14253	888	1	the	the	DET
cblr-14253	888	2	cfpb	cfpb	NOUN
cblr-14253	888	3	should	should	AUX
cblr-14253	888	4	deter	deter	VERB
cblr-14253	888	5	the	the	DET
cblr-14253	888	6	use	use	NOUN
cblr-14253	888	7	of	of	ADP
cblr-14253	888	8	joint	joint	ADJ
cblr-14253	888	9	ventures	venture	NOUN
cblr-14253	888	10	to	to	PART
cblr-14253	888	11	facilitate	facilitate	VERB
cblr-14253	888	12	illegal	illegal	ADJ
cblr-14253	888	13	kickbacks	kickback	NOUN
cblr-14253	888	14	or	or	CCONJ
cblr-14253	888	15	unreasonable	unreasonable	ADJ
cblr-14253	888	16	advantage	advantage	NOUN
cblr-14253	888	17	-	-	PUNCT
cblr-14253	888	18	taking	taking	NOUN
cblr-14253	888	19	through	through	ADP
cblr-14253	888	20	a	a	DET
cblr-14253	888	21	series	series	NOUN
cblr-14253	888	22	of	of	ADP
cblr-14253	888	23	cases	case	NOUN
cblr-14253	888	24	across	across	ADP
cblr-14253	888	25	different	different	ADJ
cblr-14253	888	26	geographic	geographic	ADJ
cblr-14253	888	27	regions	region	NOUN
cblr-14253	888	28	against	against	ADP
cblr-14253	888	29	title	title	NOUN
cblr-14253	888	30	companies	company	NOUN
cblr-14253	888	31	,	,	PUNCT
cblr-14253	888	32	mortgage	mortgage	NOUN
cblr-14253	888	33	originators	originator	NOUN
cblr-14253	888	34	,	,	PUNCT
cblr-14253	888	35	and	and	CCONJ
cblr-14253	888	36	individual	individual	ADJ
cblr-14253	888	37	real	real	ADJ
cblr-14253	888	38	-	-	PUNCT
cblr-14253	888	39	estate	estate	NOUN
cblr-14253	888	40	agents	agent	NOUN
cblr-14253	888	41	.	.	PUNCT
cblr-14253	889	1	but	but	CCONJ
cblr-14253	889	2	the	the	DET
cblr-14253	889	3	cfpb	cfpb	NOUN
cblr-14253	889	4	need	need	AUX
cblr-14253	889	5	not	not	PART
cblr-14253	889	6	act	act	VERB
cblr-14253	889	7	alone	alone	ADV
cblr-14253	889	8	.	.	PUNCT
cblr-14253	890	1	state	state	NOUN
cblr-14253	890	2	regulators	regulator	NOUN
cblr-14253	890	3	,	,	PUNCT
cblr-14253	890	4	including	include	VERB
cblr-14253	890	5	attorneys	attorney	NOUN
cblr-14253	890	6	general	general	ADJ
cblr-14253	890	7	,	,	PUNCT
cblr-14253	890	8	insurance	insurance	NOUN
cblr-14253	890	9	commissioners	commissioner	NOUN
cblr-14253	890	10	,	,	PUNCT
cblr-14253	890	11	and	and	CCONJ
cblr-14253	890	12	financial	financial	ADJ
cblr-14253	890	13	-	-	PUNCT
cblr-14253	890	14	services	service	NOUN
cblr-14253	890	15	administrators	administrator	NOUN
cblr-14253	890	16	,	,	PUNCT
cblr-14253	890	17	should	should	AUX
cblr-14253	890	18	also	also	ADV
cblr-14253	890	19	act	act	VERB
cblr-14253	890	20	more	more	ADV
cblr-14253	890	21	assertively	assertively	ADV
cblr-14253	890	22	to	to	PART
cblr-14253	890	23	stop	stop	VERB
cblr-14253	890	24	illegal	illegal	ADJ
cblr-14253	890	25	real	real	ADJ
cblr-14253	890	26	-	-	PUNCT
cblr-14253	890	27	estate	estate	NOUN
cblr-14253	890	28	-	-	PUNCT
cblr-14253	890	29	settlement	settlement	NOUN
cblr-14253	890	30	joint	joint	ADJ
cblr-14253	890	31	ventures	venture	NOUN
cblr-14253	890	32	within	within	ADP
cblr-14253	890	33	their	their	PRON
cblr-14253	890	34	jurisdictions	jurisdiction	NOUN
cblr-14253	890	35	.	.	PUNCT
cblr-14253	891	1	in	in	ADP
cblr-14253	891	2	addition	addition	NOUN
cblr-14253	891	3	to	to	ADP
cblr-14253	891	4	their	their	PRON
cblr-14253	891	5	authority	authority	NOUN
cblr-14253	891	6	under	under	ADP
cblr-14253	891	7	state	state	NOUN
cblr-14253	891	8	law	law	NOUN
cblr-14253	891	9	,	,	PUNCT
cblr-14253	891	10	respa	respa	PROPN
cblr-14253	891	11	provides	provide	VERB
cblr-14253	891	12	enforcement	enforcement	NOUN
cblr-14253	891	13	authority	authority	NOUN
cblr-14253	891	14	for	for	ADP
cblr-14253	891	15	§	§	PROPN
cblr-14253	891	16	8	8	NUM
cblr-14253	891	17	kickback	kickback	NOUN
cblr-14253	891	18	violations	violation	NOUN
cblr-14253	891	19	to	to	ADP
cblr-14253	891	20	“	"	PUNCT
cblr-14253	891	21	the	the	DET
cblr-14253	891	22	attorney	attorney	NOUN
cblr-14253	891	23	general	general	NOUN
cblr-14253	891	24	or	or	CCONJ
cblr-14253	891	25	the	the	DET
cblr-14253	891	26	insurance	insurance	NOUN
cblr-14253	891	27	commissioner	commissioner	NOUN
cblr-14253	891	28	of	of	ADP
cblr-14253	891	29	any	any	DET
cblr-14253	891	30	state	state	NOUN
cblr-14253	891	31	.	.	PUNCT
cblr-14253	892	1	”162	”162	PUNCT
cblr-14253	893	1	and	and	CCONJ
cblr-14253	893	2	state	state	NOUN
cblr-14253	893	3	attorneys	attorney	NOUN
cblr-14253	893	4	general	general	ADJ
cblr-14253	893	5	and	and	CCONJ
cblr-14253	893	6	financial	financial	ADJ
cblr-14253	893	7	-	-	PUNCT
cblr-14253	893	8	institution	institution	NOUN
cblr-14253	893	9	regulators	regulator	NOUN
cblr-14253	893	10	have	have	VERB
cblr-14253	893	11	federal	federal	ADJ
cblr-14253	893	12	lawenforcement	lawenforcement	NOUN
cblr-14253	893	13	powers	power	NOUN
cblr-14253	893	14	delegated	delegate	VERB
cblr-14253	893	15	by	by	ADP
cblr-14253	893	16	congress	congress	PROPN
cblr-14253	893	17	after	after	ADP
cblr-14253	893	18	the	the	DET
cblr-14253	893	19	2008	2008	NUM
cblr-14253	893	20	financial	financial	ADJ
cblr-14253	893	21	crisis.163	crisis.163	PROPN
cblr-14253	893	22	section	section	NOUN
cblr-14253	893	23	1042(a)(1	1042(a)(1	NUM
cblr-14253	893	24	)	)	PUNCT
cblr-14253	893	25	of	of	ADP
cblr-14253	893	26	the	the	DET
cblr-14253	893	27	dodd	dodd	PROPN
cblr-14253	893	28	-	-	PUNCT
cblr-14253	893	29	frank	frank	PROPN
cblr-14253	893	30	act	act	NOUN
cblr-14253	893	31	provides	provide	VERB
cblr-14253	893	32	that	that	SCONJ
cblr-14253	893	33	states	state	NOUN
cblr-14253	893	34	“	"	PUNCT
cblr-14253	893	35	may	may	AUX
cblr-14253	893	36	bring	bring	VERB
cblr-14253	893	37	a	a	DET
cblr-14253	893	38	civil	civil	ADJ
cblr-14253	893	39	action	action	NOUN
cblr-14253	893	40	in	in	ADP
cblr-14253	893	41	the	the	DET
cblr-14253	893	42	name	name	NOUN
cblr-14253	893	43	of	of	ADP
cblr-14253	893	44	such	such	ADJ
cblr-14253	893	45	state	state	NOUN
cblr-14253	893	46	.	.	PUNCT
cblr-14253	893	47	.	.	PUNCT
cblr-14253	893	48	.	.	PUNCT
cblr-14253	894	1	to	to	PART
cblr-14253	894	2	enforce	enforce	VERB
cblr-14253	894	3	provisions	provision	NOUN
cblr-14253	894	4	of	of	ADP
cblr-14253	894	5	this	this	DET
cblr-14253	894	6	title	title	NOUN
cblr-14253	894	7	or	or	CCONJ
cblr-14253	894	8	regulations	regulation	NOUN
cblr-14253	894	9	issued	issue	VERB
cblr-14253	894	10	under	under	ADP
cblr-14253	894	11	this	this	DET
cblr-14253	894	12	title	title	NOUN
cblr-14253	894	13	,	,	PUNCT
cblr-14253	894	14	and	and	CCONJ
cblr-14253	894	15	to	to	PART
cblr-14253	894	16	secure	secure	VERB
cblr-14253	894	17	remedies	remedy	NOUN
cblr-14253	894	18	under	under	ADP
cblr-14253	894	19	provisions	provision	NOUN
cblr-14253	894	20	of	of	ADP
cblr-14253	894	21	this	this	DET
cblr-14253	894	22	title	title	NOUN
cblr-14253	894	23	or	or	CCONJ
cblr-14253	894	24	remedies	remedy	NOUN
cblr-14253	894	25	otherwise	otherwise	ADV
cblr-14253	894	26	provided	provide	VERB
cblr-14253	894	27	under	under	ADP
cblr-14253	894	28	other	other	ADJ
cblr-14253	894	29	law	law	NOUN
cblr-14253	894	30	.	.	PUNCT
cblr-14253	895	1	”164	”164	NOUN
cblr-14253	895	2	section	section	PROPN
cblr-14253	895	3	1036(a)(1)(a	1036(a)(1)(a	NUM
cblr-14253	895	4	)	)	PUNCT
cblr-14253	895	5	makes	make	VERB
cblr-14253	895	6	it	it	PRON
cblr-14253	895	7	“	"	PUNCT
cblr-14253	895	8	unlawful	unlawful	ADJ
cblr-14253	895	9	for	for	ADP
cblr-14253	895	10	any	any	DET
cblr-14253	895	11	162	162	NUM
cblr-14253	895	12	12	12	NUM
cblr-14253	895	13	u.s.c	u.s.c	NOUN
cblr-14253	895	14	.	.	PUNCT
cblr-14253	896	1	2607(d)(4	2607(d)(4	NUM
cblr-14253	896	2	)	)	PUNCT
cblr-14253	896	3	.	.	PUNCT
cblr-14253	897	1	163	163	NUM
cblr-14253	897	2	authority	authority	NOUN
cblr-14253	897	3	of	of	ADP
cblr-14253	897	4	states	state	NOUN
cblr-14253	897	5	to	to	PART
cblr-14253	897	6	enforce	enforce	VERB
cblr-14253	897	7	the	the	DET
cblr-14253	897	8	consumer	consumer	NOUN
cblr-14253	897	9	financial	financial	PROPN
cblr-14253	897	10	protection	protection	PROPN
cblr-14253	897	11	act	act	NOUN
cblr-14253	897	12	of	of	ADP
cblr-14253	897	13	2010	2010	NUM
cblr-14253	897	14	,	,	PUNCT
cblr-14253	897	15	87	87	NUM
cblr-14253	897	16	fed	fed	PROPN
cblr-14253	897	17	.	.	PUNCT
cblr-14253	898	1	reg	reg	PROPN
cblr-14253	898	2	.	.	PUNCT
cblr-14253	899	1	31940	31940	NUM
cblr-14253	899	2	,	,	PUNCT
cblr-14253	899	3	31941	31941	NUM
cblr-14253	899	4	(	(	PUNCT
cblr-14253	899	5	may	may	PROPN
cblr-14253	899	6	26	26	NUM
cblr-14253	899	7	,	,	PUNCT
cblr-14253	899	8	2022	2022	NUM
cblr-14253	899	9	)	)	PUNCT
cblr-14253	899	10	.	.	PUNCT
cblr-14253	900	1	164	164	NUM
cblr-14253	900	2	12	12	NUM
cblr-14253	900	3	u.s.c	u.s.c	NOUN
cblr-14253	900	4	.	.	PUNCT
cblr-14253	901	1	§	§	PROPN
cblr-14253	901	2	5552(a)(1	5552(a)(1	NUM
cblr-14253	901	3	)	)	PUNCT
cblr-14253	901	4	.	.	PUNCT
cblr-14253	902	1	likewise	likewise	ADV
cblr-14253	902	2	,	,	PUNCT
cblr-14253	902	3	other	other	ADJ
cblr-14253	902	4	state	state	NOUN
cblr-14253	902	5	regulators	regulator	NOUN
cblr-14253	902	6	“	"	PUNCT
cblr-14253	902	7	may	may	AUX
cblr-14253	902	8	bring	bring	VERB
cblr-14253	902	9	a	a	DET
cblr-14253	902	10	civil	civil	ADJ
cblr-14253	902	11	action	action	NOUN
cblr-14253	902	12	or	or	CCONJ
cblr-14253	902	13	other	other	ADJ
cblr-14253	902	14	appropriate	appropriate	ADJ
cblr-14253	902	15	proceeding	proceeding	NOUN
cblr-14253	902	16	to	to	PART
cblr-14253	902	17	enforce	enforce	VERB
cblr-14253	902	18	the	the	DET
cblr-14253	902	19	provisions	provision	NOUN
cblr-14253	902	20	of	of	ADP
cblr-14253	902	21	this	this	DET
cblr-14253	902	22	no	no	NOUN
cblr-14253	902	23	.	.	NOUN
cblr-14253	902	24	1	1	NUM
cblr-14253	902	25	]	]	PUNCT
cblr-14253	902	26	corrupt	corrupt	ADJ
cblr-14253	902	27	joint	joint	ADJ
cblr-14253	902	28	ventures	venture	NOUN
cblr-14253	902	29	443	443	NUM
cblr-14253	902	30	covered	cover	VERB
cblr-14253	902	31	person	person	NOUN
cblr-14253	902	32	or	or	CCONJ
cblr-14253	902	33	service	service	NOUN
cblr-14253	902	34	provider	provider	NOUN
cblr-14253	902	35	”	"	PUNCT
cblr-14253	902	36	to	to	PART
cblr-14253	902	37	violate	violate	VERB
cblr-14253	902	38	“	"	PUNCT
cblr-14253	902	39	federal	federal	ADJ
cblr-14253	902	40	consumer	consumer	NOUN
cblr-14253	902	41	financial	financial	ADJ
cblr-14253	902	42	law	law	NOUN
cblr-14253	902	43	,	,	PUNCT
cblr-14253	902	44	”	"	PUNCT
cblr-14253	902	45	which	which	PRON
cblr-14253	902	46	includes	include	VERB
cblr-14253	902	47	respa.165	respa.165	NOUN
cblr-14253	902	48	and	and	CCONJ
cblr-14253	902	49	§	§	PROPN
cblr-14253	902	50	1036(a)(1)(b	1036(a)(1)(b	NUM
cblr-14253	902	51	)	)	PUNCT
cblr-14253	902	52	makes	make	VERB
cblr-14253	902	53	it	it	PRON
cblr-14253	902	54	unlawful	unlawful	ADJ
cblr-14253	902	55	for	for	ADP
cblr-14253	902	56	any	any	DET
cblr-14253	902	57	‘	'	PUNCT
cblr-14253	902	58	‘	'	PUNCT
cblr-14253	902	59	covered	covered	ADJ
cblr-14253	902	60	person	person	NOUN
cblr-14253	902	61	’’	’'	PUNCT
cblr-14253	902	62	or	or	CCONJ
cblr-14253	902	63	‘	'	PUNCT
cblr-14253	902	64	‘	'	PUNCT
cblr-14253	902	65	service	service	NOUN
cblr-14253	902	66	provider	provider	NOUN
cblr-14253	902	67	’’	’'	PUNCT
cblr-14253	902	68	to	to	ADP
cblr-14253	902	69	‘	'	PUNCT
cblr-14253	902	70	‘	'	PUNCT
cblr-14253	902	71	engage	engage	VERB
cblr-14253	902	72	in	in	ADP
cblr-14253	902	73	any	any	DET
cblr-14253	902	74	unfair	unfair	ADJ
cblr-14253	902	75	,	,	PUNCT
cblr-14253	902	76	deceptive	deceptive	ADJ
cblr-14253	902	77	,	,	PUNCT
cblr-14253	902	78	or	or	CCONJ
cblr-14253	902	79	abusive	abusive	ADJ
cblr-14253	902	80	act	act	NOUN
cblr-14253	902	81	or	or	CCONJ
cblr-14253	902	82	practice	practice	NOUN
cblr-14253	902	83	.	.	PUNCT
cblr-14253	902	84	’’166	’’166	PROPN
cblr-14253	903	1	when	when	SCONJ
cblr-14253	903	2	covered	cover	VERB
cblr-14253	903	3	persons	person	NOUN
cblr-14253	903	4	or	or	CCONJ
cblr-14253	903	5	service	service	NOUN
cblr-14253	903	6	providers	provider	NOUN
cblr-14253	903	7	violate	violate	VERB
cblr-14253	903	8	these	these	DET
cblr-14253	903	9	provisions	provision	NOUN
cblr-14253	903	10	,	,	PUNCT
cblr-14253	903	11	the	the	DET
cblr-14253	903	12	states	state	NOUN
cblr-14253	903	13	should	should	AUX
cblr-14253	903	14	act	act	VERB
cblr-14253	903	15	.	.	PUNCT
cblr-14253	904	1	state	state	NOUN
cblr-14253	904	2	regulators	regulator	NOUN
cblr-14253	904	3	should	should	AUX
cblr-14253	904	4	use	use	VERB
cblr-14253	904	5	these	these	DET
cblr-14253	904	6	authorities	authority	NOUN
cblr-14253	904	7	to	to	PART
cblr-14253	904	8	play	play	VERB
cblr-14253	904	9	a	a	DET
cblr-14253	904	10	more	more	ADV
cblr-14253	904	11	strident	strident	ADJ
cblr-14253	904	12	role	role	NOUN
cblr-14253	904	13	in	in	ADP
cblr-14253	904	14	upholding	uphold	VERB
cblr-14253	904	15	anti	anti	ADJ
cblr-14253	904	16	-	-	ADJ
cblr-14253	904	17	corruption	corruption	ADJ
cblr-14253	904	18	principles	principle	NOUN
cblr-14253	904	19	in	in	ADP
cblr-14253	904	20	their	their	PRON
cblr-14253	904	21	local	local	ADJ
cblr-14253	904	22	housing	housing	NOUN
cblr-14253	904	23	markets.167	markets.167	ADJ
cblr-14253	904	24	with	with	ADP
cblr-14253	904	25	their	their	PRON
cblr-14253	904	26	proximity	proximity	NOUN
cblr-14253	904	27	to	to	ADP
cblr-14253	904	28	local	local	ADJ
cblr-14253	904	29	market	market	NOUN
cblr-14253	904	30	dynamics	dynamic	NOUN
cblr-14253	904	31	and	and	CCONJ
cblr-14253	904	32	their	their	PRON
cblr-14253	904	33	ability	ability	NOUN
cblr-14253	904	34	to	to	PART
cblr-14253	904	35	swiftly	swiftly	ADV
cblr-14253	904	36	address	address	VERB
cblr-14253	904	37	violations	violation	NOUN
cblr-14253	904	38	,	,	PUNCT
cblr-14253	904	39	state	state	NOUN
cblr-14253	904	40	regulators	regulator	NOUN
cblr-14253	904	41	possess	possess	VERB
cblr-14253	904	42	insight	insight	NOUN
cblr-14253	904	43	into	into	ADP
cblr-14253	904	44	regional	regional	ADJ
cblr-14253	904	45	practices	practice	NOUN
cblr-14253	904	46	and	and	CCONJ
cblr-14253	904	47	can	can	AUX
cblr-14253	904	48	efficiently	efficiently	ADV
cblr-14253	904	49	investigate	investigate	VERB
cblr-14253	904	50	and	and	CCONJ
cblr-14253	904	51	prosecute	prosecute	VERB
cblr-14253	904	52	violations.168	violations.168	NOUN
cblr-14253	904	53	by	by	ADP
cblr-14253	904	54	actively	actively	ADV
cblr-14253	904	55	engaging	engage	VERB
cblr-14253	904	56	in	in	ADP
cblr-14253	904	57	enforcement	enforcement	NOUN
cblr-14253	904	58	actions	action	NOUN
cblr-14253	904	59	,	,	PUNCT
cblr-14253	904	60	state	state	NOUN
cblr-14253	904	61	regulators	regulator	NOUN
cblr-14253	904	62	not	not	PART
cblr-14253	904	63	only	only	ADV
cblr-14253	904	64	complement	complement	VERB
cblr-14253	904	65	the	the	DET
cblr-14253	904	66	efforts	effort	NOUN
cblr-14253	904	67	of	of	ADP
cblr-14253	904	68	federal	federal	ADJ
cblr-14253	904	69	agencies	agency	NOUN
cblr-14253	904	70	but	but	CCONJ
cblr-14253	904	71	also	also	ADV
cblr-14253	904	72	ensure	ensure	VERB
cblr-14253	904	73	a	a	DET
cblr-14253	904	74	more	more	ADV
cblr-14253	904	75	comprehensive	comprehensive	ADJ
cblr-14253	904	76	and	and	CCONJ
cblr-14253	904	77	effective	effective	ADJ
cblr-14253	904	78	enforcement	enforcement	NOUN
cblr-14253	904	79	framework.169	framework.169	NOUN
cblr-14253	904	80	title	title	NOUN
cblr-14253	904	81	or	or	CCONJ
cblr-14253	904	82	regulations	regulation	NOUN
cblr-14253	904	83	issued	issue	VERB
cblr-14253	904	84	under	under	ADP
cblr-14253	904	85	this	this	DET
cblr-14253	904	86	title	title	NOUN
cblr-14253	904	87	with	with	ADP
cblr-14253	904	88	respect	respect	NOUN
cblr-14253	904	89	to	to	ADP
cblr-14253	904	90	any	any	DET
cblr-14253	904	91	entity	entity	NOUN
cblr-14253	904	92	that	that	PRON
cblr-14253	904	93	is	be	AUX
cblr-14253	904	94	state	state	NOUN
cblr-14253	904	95	-	-	PUNCT
cblr-14253	904	96	chartered	charter	VERB
cblr-14253	904	97	,	,	PUNCT
cblr-14253	904	98	incorporated	incorporate	VERB
cblr-14253	904	99	,	,	PUNCT
cblr-14253	904	100	licensed	licensed	ADJ
cblr-14253	904	101	,	,	PUNCT
cblr-14253	904	102	or	or	CCONJ
cblr-14253	904	103	otherwise	otherwise	ADV
cblr-14253	904	104	authorized	authorize	VERB
cblr-14253	904	105	to	to	PART
cblr-14253	904	106	do	do	VERB
cblr-14253	904	107	business	business	NOUN
cblr-14253	904	108	under	under	ADP
cblr-14253	904	109	state	state	NOUN
cblr-14253	904	110	law	law	NOUN
cblr-14253	904	111	.	.	PUNCT
cblr-14253	904	112	.	.	PUNCT
cblr-14253	905	1	.	.	PUNCT
cblr-14253	906	1	and	and	CCONJ
cblr-14253	906	2	to	to	PART
cblr-14253	906	3	secure	secure	VERB
cblr-14253	906	4	remedies	remedy	NOUN
cblr-14253	906	5	under	under	ADP
cblr-14253	906	6	provisions	provision	NOUN
cblr-14253	906	7	of	of	ADP
cblr-14253	906	8	this	this	DET
cblr-14253	906	9	title	title	NOUN
cblr-14253	906	10	or	or	CCONJ
cblr-14253	906	11	remedies	remedy	NOUN
cblr-14253	906	12	otherwise	otherwise	ADV
cblr-14253	906	13	provided	provide	VERB
cblr-14253	906	14	under	under	ADP
cblr-14253	906	15	other	other	ADJ
cblr-14253	906	16	provisions	provision	NOUN
cblr-14253	906	17	of	of	ADP
cblr-14253	906	18	law	law	NOUN
cblr-14253	906	19	with	with	ADP
cblr-14253	906	20	respect	respect	NOUN
cblr-14253	906	21	to	to	ADP
cblr-14253	906	22	such	such	DET
cblr-14253	906	23	an	an	DET
cblr-14253	906	24	entity	entity	NOUN
cblr-14253	906	25	.	.	PUNCT
cblr-14253	906	26	’’	’'	PUNCT
cblr-14253	907	1	i	i	PRON
cblr-14253	907	2	d.	d.	PROPN
cblr-14253	907	3	165	165	NUM
cblr-14253	908	1	i	i	PRON
cblr-14253	908	2	d.	d.	PROPN
cblr-14253	908	3	at	at	ADP
cblr-14253	908	4	§	§	PROPN
cblr-14253	908	5	5536(a)(1)(a	5536(a)(1)(a	NUM
cblr-14253	908	6	)	)	PUNCT
cblr-14253	908	7	.	.	PUNCT
cblr-14253	909	1	166	166	NUM
cblr-14253	910	1	i	i	PRON
cblr-14253	910	2	d.	d.	PROPN
cblr-14253	910	3	at	at	ADP
cblr-14253	910	4	§	§	PROPN
cblr-14253	910	5	5536(a)(1)(b	5536(a)(1)(b	NUM
cblr-14253	910	6	)	)	PUNCT
cblr-14253	910	7	.	.	PUNCT
cblr-14253	911	1	167	167	NUM
cblr-14253	911	2	see	see	VERB
cblr-14253	911	3	authority	authority	NOUN
cblr-14253	911	4	of	of	ADP
cblr-14253	911	5	states	state	NOUN
cblr-14253	911	6	to	to	PART
cblr-14253	911	7	enforce	enforce	VERB
cblr-14253	911	8	the	the	DET
cblr-14253	911	9	consumer	consumer	NOUN
cblr-14253	911	10	financial	financial	PROPN
cblr-14253	911	11	protection	protection	PROPN
cblr-14253	911	12	act	act	NOUN
cblr-14253	911	13	of	of	ADP
cblr-14253	911	14	2010	2010	NUM
cblr-14253	911	15	,	,	PUNCT
cblr-14253	911	16	87	87	NUM
cblr-14253	911	17	fed	fed	PROPN
cblr-14253	911	18	.	.	PUNCT
cblr-14253	912	1	reg	reg	PROPN
cblr-14253	912	2	.	.	PUNCT
cblr-14253	913	1	31940	31940	NUM
cblr-14253	913	2	,	,	PUNCT
cblr-14253	913	3	31941	31941	NUM
cblr-14253	913	4	(	(	PUNCT
cblr-14253	913	5	may	may	PROPN
cblr-14253	913	6	26	26	NUM
cblr-14253	913	7	,	,	PUNCT
cblr-14253	913	8	2022	2022	NUM
cblr-14253	913	9	)	)	PUNCT
cblr-14253	913	10	(	(	PUNCT
cblr-14253	913	11	final	final	ADJ
cblr-14253	913	12	interpretive	interpretive	ADJ
cblr-14253	913	13	rule	rule	NOUN
cblr-14253	913	14	explaining	explain	VERB
cblr-14253	913	15	12	12	NUM
cblr-14253	913	16	c.f.r	c.f.r	NOUN
cblr-14253	913	17	.	.	PUNCT
cblr-14253	914	1	chapter	chapter	NOUN
cblr-14253	914	2	x	x	PROPN
cblr-14253	914	3	that	that	PRON
cblr-14253	914	4	emphasizes	emphasize	VERB
cblr-14253	914	5	the	the	DET
cblr-14253	914	6	importance	importance	NOUN
cblr-14253	914	7	of	of	ADP
cblr-14253	914	8	state	state	NOUN
cblr-14253	914	9	enforcement	enforcement	NOUN
cblr-14253	914	10	efforts	effort	NOUN
cblr-14253	914	11	within	within	ADP
cblr-14253	914	12	the	the	DET
cblr-14253	914	13	federal	federal	ADJ
cblr-14253	914	14	consumer	consumer	NOUN
cblr-14253	914	15	financial	financial	ADJ
cblr-14253	914	16	regulatory	regulatory	ADJ
cblr-14253	914	17	framework	framework	NOUN
cblr-14253	914	18	)	)	PUNCT
cblr-14253	914	19	.	.	PUNCT
cblr-14253	915	1	see	see	VERB
cblr-14253	915	2	also	also	ADV
cblr-14253	915	3	arthur	arthur	PROPN
cblr-14253	915	4	e.	e.	PROPN
cblr-14253	915	5	wilmarth	wilmarth	PROPN
cblr-14253	915	6	,	,	PUNCT
cblr-14253	915	7	jr	jr	PROPN
cblr-14253	915	8	.	.	PROPN
cblr-14253	915	9	,	,	PUNCT
cblr-14253	915	10	the	the	DET
cblr-14253	915	11	dodd	dodd	PROPN
cblr-14253	915	12	-	-	PUNCT
cblr-14253	915	13	frank	frank	PROPN
cblr-14253	915	14	act	act	PROPN
cblr-14253	915	15	’s	’s	PART
cblr-14253	915	16	expansion	expansion	NOUN
cblr-14253	915	17	of	of	ADP
cblr-14253	915	18	state	state	NOUN
cblr-14253	915	19	authority	authority	NOUN
cblr-14253	915	20	to	to	PART
cblr-14253	915	21	protect	protect	VERB
cblr-14253	915	22	consumers	consumer	NOUN
cblr-14253	915	23	of	of	ADP
cblr-14253	915	24	financial	financial	ADJ
cblr-14253	915	25	services	service	NOUN
cblr-14253	915	26	,	,	PUNCT
cblr-14253	915	27	36	36	NUM
cblr-14253	915	28	j.	j.	PROPN
cblr-14253	915	29	corp	corp	PROPN
cblr-14253	915	30	.	.	PROPN
cblr-14253	915	31	l.	l.	PROPN
cblr-14253	915	32	893	893	NUM
cblr-14253	915	33	,	,	PUNCT
cblr-14253	915	34	949–52	949–52	NUM
cblr-14253	915	35	(	(	PUNCT
cblr-14253	915	36	2011	2011	NUM
cblr-14253	915	37	)	)	PUNCT
cblr-14253	915	38	(	(	PUNCT
cblr-14253	915	39	arguing	argue	VERB
cblr-14253	915	40	active	active	ADJ
cblr-14253	915	41	state	state	NOUN
cblr-14253	915	42	enforcement	enforcement	NOUN
cblr-14253	915	43	promotes	promote	VERB
cblr-14253	915	44	beneficial	beneficial	ADJ
cblr-14253	915	45	cooperation	cooperation	NOUN
cblr-14253	915	46	and	and	CCONJ
cblr-14253	915	47	competition	competition	NOUN
cblr-14253	915	48	while	while	SCONJ
cblr-14253	915	49	reducing	reduce	VERB
cblr-14253	915	50	the	the	DET
cblr-14253	915	51	risk	risk	NOUN
cblr-14253	915	52	of	of	ADP
cblr-14253	915	53	cfpb	cfpb	ADJ
cblr-14253	915	54	agency	agency	NOUN
cblr-14253	915	55	capture	capture	NOUN
cblr-14253	915	56	)	)	PUNCT
cblr-14253	915	57	;	;	PUNCT
cblr-14253	915	58	mark	mark	PROPN
cblr-14253	915	59	totten	totten	PROPN
cblr-14253	915	60	,	,	PUNCT
cblr-14253	915	61	credit	credit	NOUN
cblr-14253	915	62	reform	reform	NOUN
cblr-14253	915	63	and	and	CCONJ
cblr-14253	915	64	the	the	DET
cblr-14253	915	65	states	state	NOUN
cblr-14253	915	66	:	:	PUNCT
cblr-14253	915	67	the	the	DET
cblr-14253	915	68	vital	vital	ADJ
cblr-14253	915	69	role	role	NOUN
cblr-14253	915	70	of	of	ADP
cblr-14253	915	71	attorneys	attorney	NOUN
cblr-14253	915	72	general	general	ADJ
cblr-14253	915	73	after	after	ADP
cblr-14253	915	74	dodd	dodd	PROPN
cblr-14253	915	75	-	-	PUNCT
cblr-14253	915	76	frank	frank	PROPN
cblr-14253	915	77	,	,	PUNCT
cblr-14253	915	78	99	99	NUM
cblr-14253	915	79	iowa	iowa	PROPN
cblr-14253	915	80	l.	l.	PROPN
cblr-14253	915	81	rev	rev	PROPN
cblr-14253	915	82	.	.	PROPN
cblr-14253	915	83	115	115	NUM
cblr-14253	915	84	,	,	PUNCT
cblr-14253	915	85	174	174	NUM
cblr-14253	915	86	(	(	PUNCT
cblr-14253	915	87	2013	2013	NUM
cblr-14253	915	88	)	)	PUNCT
cblr-14253	915	89	(	(	PUNCT
cblr-14253	915	90	arguing	argue	VERB
cblr-14253	915	91	it	it	PRON
cblr-14253	915	92	is	be	AUX
cblr-14253	915	93	“	"	PUNCT
cblr-14253	915	94	vital	vital	ADJ
cblr-14253	915	95	”	"	PUNCT
cblr-14253	915	96	for	for	SCONJ
cblr-14253	915	97	states	state	NOUN
cblr-14253	915	98	to	to	PART
cblr-14253	915	99	be	be	AUX
cblr-14253	915	100	“	"	PUNCT
cblr-14253	915	101	cooperative	cooperative	ADJ
cblr-14253	915	102	but	but	CCONJ
cblr-14253	915	103	also	also	ADV
cblr-14253	915	104	competitive	competitive	ADJ
cblr-14253	915	105	coenforcers	coenforcer	NOUN
cblr-14253	915	106	”	"	PUNCT
cblr-14253	915	107	of	of	ADP
cblr-14253	915	108	federal	federal	ADJ
cblr-14253	915	109	consumer	consumer	NOUN
cblr-14253	915	110	financial	financial	ADJ
cblr-14253	915	111	protection	protection	NOUN
cblr-14253	915	112	law	law	NOUN
cblr-14253	915	113	)	)	PUNCT
cblr-14253	915	114	.	.	PUNCT
cblr-14253	916	1	168	168	NUM
cblr-14253	916	2	s.	s.	PROPN
cblr-14253	916	3	rep	rep	PROPN
cblr-14253	916	4	.	.	PROPN
cblr-14253	916	5	no	no	PROPN
cblr-14253	916	6	.	.	NOUN
cblr-14253	916	7	111	111	NUM
cblr-14253	916	8	-	-	SYM
cblr-14253	916	9	176	176	NUM
cblr-14253	916	10	,	,	PUNCT
cblr-14253	916	11	at	at	ADP
cblr-14253	916	12	16	16	NUM
cblr-14253	916	13	(	(	PUNCT
cblr-14253	916	14	2010	2010	NUM
cblr-14253	916	15	)	)	PUNCT
cblr-14253	916	16	(	(	PUNCT
cblr-14253	916	17	pointing	point	VERB
cblr-14253	916	18	to	to	ADP
cblr-14253	916	19	state	state	NOUN
cblr-14253	916	20	efforts	effort	NOUN
cblr-14253	916	21	to	to	PART
cblr-14253	916	22	stop	stop	VERB
cblr-14253	916	23	the	the	DET
cblr-14253	916	24	2008	2008	NUM
cblr-14253	916	25	financial	financial	ADJ
cblr-14253	916	26	crisis	crisis	NOUN
cblr-14253	916	27	when	when	SCONJ
cblr-14253	916	28	federal	federal	ADJ
cblr-14253	916	29	regulators	regulator	NOUN
cblr-14253	916	30	failed	fail	VERB
cblr-14253	916	31	to	to	PART
cblr-14253	916	32	act	act	VERB
cblr-14253	916	33	)	)	PUNCT
cblr-14253	916	34	.	.	PUNCT
cblr-14253	917	1	169	169	NUM
cblr-14253	917	2	authority	authority	NOUN
cblr-14253	917	3	of	of	ADP
cblr-14253	917	4	states	state	NOUN
cblr-14253	917	5	to	to	PART
cblr-14253	917	6	enforce	enforce	VERB
cblr-14253	917	7	the	the	DET
cblr-14253	917	8	consumer	consumer	NOUN
cblr-14253	917	9	financial	financial	PROPN
cblr-14253	917	10	protection	protection	PROPN
cblr-14253	917	11	act	act	NOUN
cblr-14253	917	12	of	of	ADP
cblr-14253	917	13	2010	2010	NUM
cblr-14253	917	14	,	,	PUNCT
cblr-14253	917	15	87	87	NUM
cblr-14253	917	16	fed	fed	PROPN
cblr-14253	917	17	.	.	PUNCT
cblr-14253	918	1	reg	reg	PROPN
cblr-14253	918	2	.	.	PUNCT
cblr-14253	919	1	31940	31940	NUM
cblr-14253	919	2	,	,	PUNCT
cblr-14253	919	3	31941	31941	NUM
cblr-14253	919	4	(	(	PUNCT
cblr-14253	919	5	may	may	PROPN
cblr-14253	919	6	26	26	NUM
cblr-14253	919	7	,	,	PUNCT
cblr-14253	919	8	2022	2022	NUM
cblr-14253	919	9	)	)	PUNCT
cblr-14253	920	1	(	(	PUNCT
cblr-14253	920	2	“	"	PUNCT
cblr-14253	920	3	the	the	DET
cblr-14253	920	4	cfpa	cfpa	NOUN
cblr-14253	920	5	recognizes	recognize	VERB
cblr-14253	920	6	the	the	DET
cblr-14253	920	7	important	important	ADJ
cblr-14253	920	8	role	role	NOUN
cblr-14253	920	9	that	that	PRON
cblr-14253	920	10	states	state	NOUN
cblr-14253	920	11	play	play	VERB
cblr-14253	920	12	in	in	ADP
cblr-14253	920	13	overseeing	oversee	VERB
cblr-14253	920	14	the	the	DET
cblr-14253	920	15	consumer	consumer	NOUN
cblr-14253	920	16	financial	financial	ADJ
cblr-14253	920	17	marketplace	marketplace	NOUN
cblr-14253	920	18	.	.	PUNCT
cblr-14253	920	19	”	"	PUNCT
cblr-14253	921	1	)	)	PUNCT
cblr-14253	921	2	444	444	NUM
cblr-14253	921	3	columbia	columbia	PROPN
cblr-14253	921	4	business	business	NOUN
cblr-14253	921	5	law	law	PROPN
cblr-14253	921	6	review	review	NOUN
cblr-14253	922	1	[	[	X
cblr-14253	922	2	vol	vol	NOUN
cblr-14253	922	3	.	.	PUNCT
cblr-14253	922	4	2025	2025	NUM
cblr-14253	922	5	private	private	ADJ
cblr-14253	922	6	counsel	counsel	NOUN
cblr-14253	922	7	also	also	ADV
cblr-14253	922	8	have	have	VERB
cblr-14253	922	9	an	an	DET
cblr-14253	922	10	important	important	ADJ
cblr-14253	922	11	role	role	NOUN
cblr-14253	922	12	in	in	ADP
cblr-14253	922	13	using	use	VERB
cblr-14253	922	14	existing	exist	VERB
cblr-14253	922	15	law	law	NOUN
cblr-14253	922	16	to	to	PART
cblr-14253	922	17	promote	promote	VERB
cblr-14253	922	18	homebuying	homebuying	NOUN
cblr-14253	922	19	affordability	affordability	NOUN
cblr-14253	922	20	.	.	PUNCT
cblr-14253	923	1	while	while	SCONJ
cblr-14253	923	2	the	the	DET
cblr-14253	923	3	cfpb	cfpb	NOUN
cblr-14253	923	4	and	and	CCONJ
cblr-14253	923	5	state	state	NOUN
cblr-14253	923	6	regulators	regulator	NOUN
cblr-14253	923	7	play	play	VERB
cblr-14253	923	8	significant	significant	ADJ
cblr-14253	923	9	roles	role	NOUN
cblr-14253	923	10	in	in	ADP
cblr-14253	923	11	enforcing	enforce	VERB
cblr-14253	923	12	respa	respa	NOUN
cblr-14253	923	13	,	,	PUNCT
cblr-14253	923	14	congress	congress	PROPN
cblr-14253	923	15	recognized	recognize	VERB
cblr-14253	923	16	that	that	SCONJ
cblr-14253	923	17	private	private	ADJ
cblr-14253	923	18	plaintiffs	plaintiff	NOUN
cblr-14253	923	19	’	'	PUNCT
cblr-14253	923	20	counsel	counsel	NOUN
cblr-14253	923	21	offer	offer	VERB
cblr-14253	923	22	unique	unique	ADJ
cblr-14253	923	23	advantages	advantage	NOUN
cblr-14253	923	24	in	in	ADP
cblr-14253	923	25	representing	represent	VERB
cblr-14253	923	26	individual	individual	ADJ
cblr-14253	923	27	consumers	consumer	NOUN
cblr-14253	923	28	and	and	CCONJ
cblr-14253	923	29	advocacy	advocacy	NOUN
cblr-14253	923	30	groups	group	NOUN
cblr-14253	923	31	directly	directly	ADV
cblr-14253	923	32	affected	affect	VERB
cblr-14253	923	33	by	by	ADP
cblr-14253	923	34	housing	housing	NOUN
cblr-14253	923	35	-	-	PUNCT
cblr-14253	923	36	affordability	affordability	NOUN
cblr-14253	923	37	challenges.170	challenges.170	NOUN
cblr-14253	923	38	by	by	ADP
cblr-14253	923	39	litigating	litigate	VERB
cblr-14253	923	40	respa	respa	NOUN
cblr-14253	923	41	violations	violation	NOUN
cblr-14253	923	42	,	,	PUNCT
cblr-14253	923	43	these	these	DET
cblr-14253	923	44	attorneys	attorney	NOUN
cblr-14253	923	45	not	not	PART
cblr-14253	923	46	only	only	ADV
cblr-14253	923	47	seek	seek	VERB
cblr-14253	923	48	remedies	remedy	NOUN
cblr-14253	923	49	for	for	ADP
cblr-14253	923	50	affected	affected	ADJ
cblr-14253	923	51	parties	party	NOUN
cblr-14253	923	52	but	but	CCONJ
cblr-14253	923	53	also	also	ADV
cblr-14253	923	54	contribute	contribute	VERB
cblr-14253	923	55	to	to	ADP
cblr-14253	923	56	setting	set	VERB
cblr-14253	923	57	legal	legal	ADJ
cblr-14253	923	58	precedents	precedent	NOUN
cblr-14253	923	59	and	and	CCONJ
cblr-14253	923	60	establishing	establish	VERB
cblr-14253	923	61	deterrents	deterrent	NOUN
cblr-14253	923	62	against	against	ADP
cblr-14253	923	63	exploitative	exploitative	ADJ
cblr-14253	923	64	practices	practice	NOUN
cblr-14253	923	65	in	in	ADP
cblr-14253	923	66	the	the	DET
cblr-14253	923	67	real	real	ADJ
cblr-14253	923	68	-	-	PUNCT
cblr-14253	923	69	estate	estate	NOUN
cblr-14253	923	70	industry	industry	NOUN
cblr-14253	923	71	.	.	PUNCT
cblr-14253	924	1	many	many	ADJ
cblr-14253	924	2	states	state	NOUN
cblr-14253	924	3	also	also	ADV
cblr-14253	924	4	have	have	VERB
cblr-14253	924	5	unfair	unfair	ADJ
cblr-14253	924	6	-	-	PUNCT
cblr-14253	924	7	and	and	CCONJ
cblr-14253	924	8	-	-	PUNCT
cblr-14253	924	9	deceptive	deceptive	ADJ
cblr-14253	924	10	-	-	PUNCT
cblr-14253	924	11	practices	practice	NOUN
cblr-14253	924	12	laws	law	NOUN
cblr-14253	924	13	with	with	ADP
cblr-14253	924	14	private	private	ADJ
cblr-14253	924	15	causes	cause	NOUN
cblr-14253	924	16	of	of	ADP
cblr-14253	924	17	action	action	NOUN
cblr-14253	924	18	that	that	PRON
cblr-14253	924	19	could	could	AUX
cblr-14253	924	20	be	be	AUX
cblr-14253	924	21	adapted	adapt	VERB
cblr-14253	924	22	to	to	PART
cblr-14253	924	23	challenge	challenge	VERB
cblr-14253	924	24	self	self	NOUN
cblr-14253	924	25	-	-	PUNCT
cblr-14253	924	26	dealing	deal	VERB
cblr-14253	924	27	referrals	referral	NOUN
cblr-14253	924	28	.	.	PUNCT
cblr-14253	925	1	california	california	PROPN
cblr-14253	925	2	,	,	PUNCT
cblr-14253	925	3	for	for	ADP
cblr-14253	925	4	example	example	NOUN
cblr-14253	925	5	,	,	PUNCT
cblr-14253	925	6	has	have	AUX
cblr-14253	925	7	adopted	adopt	VERB
cblr-14253	925	8	a	a	DET
cblr-14253	925	9	state	state	NOUN
cblr-14253	925	10	prohibition	prohibition	NOUN
cblr-14253	925	11	of	of	ADP
cblr-14253	925	12	abusive	abusive	ADJ
cblr-14253	925	13	practices	practice	NOUN
cblr-14253	925	14	modeled	model	VERB
cblr-14253	925	15	on	on	ADP
cblr-14253	925	16	the	the	DET
cblr-14253	925	17	consumer	consumer	NOUN
cblr-14253	925	18	financial	financial	PROPN
cblr-14253	925	19	protection	protection	PROPN
cblr-14253	925	20	act	act	NOUN
cblr-14253	925	21	that	that	PRON
cblr-14253	925	22	is	be	AUX
cblr-14253	925	23	actionable	actionable	ADJ
cblr-14253	925	24	under	under	ADP
cblr-14253	925	25	its	its	PRON
cblr-14253	925	26	state	state	NOUN
cblr-14253	925	27	unfair	unfair	ADJ
cblr-14253	925	28	-	-	PUNCT
cblr-14253	925	29	competition	competition	NOUN
cblr-14253	925	30	law.171	law.171	NOUN
cblr-14253	925	31	and	and	CCONJ
cblr-14253	925	32	industry	industry	NOUN
cblr-14253	925	33	compliance	compliance	NOUN
cblr-14253	925	34	counsel	counsel	NOUN
cblr-14253	925	35	should	should	AUX
cblr-14253	925	36	carefully	carefully	ADV
cblr-14253	925	37	advise	advise	VERB
cblr-14253	925	38	clients	client	NOUN
cblr-14253	925	39	on	on	ADP
cblr-14253	925	40	the	the	DET
cblr-14253	925	41	serious	serious	ADJ
cblr-14253	925	42	legal	legal	ADJ
cblr-14253	925	43	risks	risk	NOUN
cblr-14253	925	44	that	that	PRON
cblr-14253	925	45	settlement	settlement	NOUN
cblr-14253	925	46	joint	joint	ADJ
cblr-14253	925	47	ventures	venture	NOUN
cblr-14253	925	48	pose	pose	VERB
cblr-14253	925	49	both	both	PRON
cblr-14253	925	50	in	in	ADP
cblr-14253	925	51	formation	formation	NOUN
cblr-14253	925	52	and	and	CCONJ
cblr-14253	925	53	operation	operation	NOUN
cblr-14253	925	54	.	.	PUNCT
cblr-14253	926	1	they	they	PRON
cblr-14253	926	2	should	should	AUX
cblr-14253	926	3	also	also	ADV
cblr-14253	926	4	consider	consider	VERB
cblr-14253	926	5	advising	advise	VERB
cblr-14253	926	6	clients	client	NOUN
cblr-14253	926	7	on	on	ADP
cblr-14253	926	8	how	how	SCONJ
cblr-14253	926	9	to	to	PART
cblr-14253	926	10	unwind	unwind	VERB
cblr-14253	926	11	noncompliant	noncompliant	ADJ
cblr-14253	926	12	joint	joint	ADJ
cblr-14253	926	13	ventures	venture	NOUN
cblr-14253	926	14	.	.	PUNCT
cblr-14253	927	1	federal	federal	ADJ
cblr-14253	927	2	and	and	CCONJ
cblr-14253	927	3	state	state	NOUN
cblr-14253	927	4	courts	court	NOUN
cblr-14253	927	5	should	should	AUX
cblr-14253	927	6	carefully	carefully	ADV
cblr-14253	927	7	consider	consider	VERB
cblr-14253	927	8	cases	case	NOUN
cblr-14253	927	9	alleging	allege	VERB
cblr-14253	927	10	illegal	illegal	ADJ
cblr-14253	927	11	practices	practice	NOUN
cblr-14253	927	12	in	in	ADP
cblr-14253	927	13	real	real	ADJ
cblr-14253	927	14	-	-	PUNCT
cblr-14253	927	15	estate	estate	NOUN
cblr-14253	927	16	-	-	PUNCT
cblr-14253	927	17	settlement	settlement	NOUN
cblr-14253	927	18	joint	joint	ADJ
cblr-14253	927	19	170	170	NUM
cblr-14253	927	20	congress	congress	PROPN
cblr-14253	927	21	provided	provide	VERB
cblr-14253	927	22	that	that	SCONJ
cblr-14253	927	23	any	any	DET
cblr-14253	927	24	person	person	NOUN
cblr-14253	927	25	or	or	CCONJ
cblr-14253	927	26	persons	person	NOUN
cblr-14253	927	27	who	who	PRON
cblr-14253	927	28	violate	violate	VERB
cblr-14253	927	29	respa	respa	PROPN
cblr-14253	927	30	section	section	PROPN
cblr-14253	927	31	8	8	NUM
cblr-14253	927	32	’s	’s	PART
cblr-14253	927	33	kickback	kickback	NOUN
cblr-14253	927	34	prohibition	prohibition	NOUN
cblr-14253	927	35	are	be	AUX
cblr-14253	927	36	to	to	PART
cblr-14253	927	37	be	be	AUX
cblr-14253	927	38	held	hold	VERB
cblr-14253	927	39	jointly	jointly	ADV
cblr-14253	927	40	and	and	CCONJ
cblr-14253	927	41	severally	severally	ADV
cblr-14253	927	42	liable	liable	ADJ
cblr-14253	927	43	to	to	ADP
cblr-14253	927	44	their	their	PRON
cblr-14253	927	45	customers	customer	NOUN
cblr-14253	927	46	“	"	PUNCT
cblr-14253	927	47	for	for	ADP
cblr-14253	927	48	the	the	DET
cblr-14253	927	49	settlement	settlement	NOUN
cblr-14253	927	50	service	service	NOUN
cblr-14253	927	51	involved	involve	VERB
cblr-14253	927	52	in	in	ADP
cblr-14253	927	53	the	the	DET
cblr-14253	927	54	violation	violation	NOUN
cblr-14253	927	55	in	in	ADP
cblr-14253	927	56	an	an	DET
cblr-14253	927	57	amount	amount	NOUN
cblr-14253	927	58	equal	equal	ADJ
cblr-14253	927	59	to	to	ADP
cblr-14253	927	60	three	three	NUM
cblr-14253	927	61	times	time	NOUN
cblr-14253	927	62	the	the	DET
cblr-14253	927	63	amount	amount	NOUN
cblr-14253	927	64	of	of	ADP
cblr-14253	927	65	any	any	DET
cblr-14253	927	66	charge	charge	NOUN
cblr-14253	927	67	paid	pay	VERB
cblr-14253	927	68	for	for	ADP
cblr-14253	927	69	such	such	ADJ
cblr-14253	927	70	settlement	settlement	NOUN
cblr-14253	927	71	service	service	NOUN
cblr-14253	927	72	.	.	PUNCT
cblr-14253	927	73	”	"	PUNCT
cblr-14253	928	1	12	12	NUM
cblr-14253	928	2	u.s.c	u.s.c	ADJ
cblr-14253	928	3	.	.	PUNCT
cblr-14253	929	1	§	§	PROPN
cblr-14253	929	2	2607(d)(2	2607(d)(2	NOUN
cblr-14253	929	3	)	)	PUNCT
cblr-14253	929	4	.	.	PUNCT
cblr-14253	930	1	respa	respa	PROPN
cblr-14253	930	2	also	also	ADV
cblr-14253	930	3	provides	provide	VERB
cblr-14253	930	4	for	for	ADP
cblr-14253	930	5	reasonable	reasonable	ADJ
cblr-14253	930	6	attorneys	attorney	NOUN
cblr-14253	930	7	fees	fee	NOUN
cblr-14253	930	8	and	and	CCONJ
cblr-14253	930	9	costs	cost	NOUN
cblr-14253	930	10	in	in	ADP
cblr-14253	930	11	successful	successful	ADJ
cblr-14253	930	12	private	private	ADJ
cblr-14253	930	13	claims	claim	NOUN
cblr-14253	930	14	.	.	PUNCT
cblr-14253	931	1	i	i	PRON
cblr-14253	931	2	d.	d.	PROPN
cblr-14253	931	3	at	at	ADP
cblr-14253	931	4	§	§	PROPN
cblr-14253	931	5	2607	2607	NUM
cblr-14253	931	6	(	(	PUNCT
cblr-14253	931	7	d)(5	d)(5	PROPN
cblr-14253	931	8	)	)	PUNCT
cblr-14253	931	9	.	.	PUNCT
cblr-14253	932	1	171	171	NUM
cblr-14253	932	2	cal	cal	ADJ
cblr-14253	932	3	.	.	PUNCT
cblr-14253	933	1	fin	fin	NOUN
cblr-14253	933	2	.	.	PUNCT
cblr-14253	933	3	code	code	PROPN
cblr-14253	933	4	§	§	PROPN
cblr-14253	933	5	90012(a	90012(a	NOUN
cblr-14253	933	6	)	)	PUNCT
cblr-14253	934	1	(	(	PUNCT
cblr-14253	934	2	authorizing	authorize	VERB
cblr-14253	934	3	state	state	NOUN
cblr-14253	934	4	law	law	NOUN
cblr-14253	934	5	enforcement	enforcement	NOUN
cblr-14253	934	6	actions	action	NOUN
cblr-14253	934	7	“	"	PUNCT
cblr-14253	934	8	against	against	ADP
cblr-14253	934	9	a	a	DET
cblr-14253	934	10	covered	cover	VERB
cblr-14253	934	11	person	person	NOUN
cblr-14253	934	12	or	or	CCONJ
cblr-14253	934	13	service	service	NOUN
cblr-14253	934	14	provider	provider	NOUN
cblr-14253	934	15	who	who	PRON
cblr-14253	934	16	engages	engage	VERB
cblr-14253	934	17	,	,	PUNCT
cblr-14253	934	18	has	have	AUX
cblr-14253	934	19	engaged	engage	VERB
cblr-14253	934	20	,	,	PUNCT
cblr-14253	934	21	or	or	CCONJ
cblr-14253	934	22	proposes	propose	VERB
cblr-14253	934	23	to	to	PART
cblr-14253	934	24	engage	engage	VERB
cblr-14253	934	25	in	in	ADP
cblr-14253	934	26	unfair	unfair	ADJ
cblr-14253	934	27	,	,	PUNCT
cblr-14253	934	28	deceptive	deceptive	ADJ
cblr-14253	934	29	,	,	PUNCT
cblr-14253	934	30	or	or	CCONJ
cblr-14253	934	31	abusive	abusive	ADJ
cblr-14253	934	32	practices	practice	NOUN
cblr-14253	934	33	with	with	ADP
cblr-14253	934	34	respect	respect	NOUN
cblr-14253	934	35	to	to	ADP
cblr-14253	934	36	consumer	consumer	NOUN
cblr-14253	934	37	financial	financial	ADJ
cblr-14253	934	38	products	product	NOUN
cblr-14253	934	39	or	or	CCONJ
cblr-14253	934	40	services	service	NOUN
cblr-14253	934	41	”	"	PUNCT
cblr-14253	934	42	)	)	PUNCT
cblr-14253	934	43	.	.	PUNCT
cblr-14253	935	1	see	see	VERB
cblr-14253	935	2	also	also	ADV
cblr-14253	935	3	cal	cal	ADJ
cblr-14253	935	4	.	.	PUNCT
cblr-14253	936	1	bus	bus	PROPN
cblr-14253	936	2	.	.	PUNCT
cblr-14253	936	3	&	&	CCONJ
cblr-14253	936	4	prof	prof	PROPN
cblr-14253	936	5	.	.	PUNCT
cblr-14253	937	1	code	code	PROPN
cblr-14253	937	2	§	§	PROPN
cblr-14253	937	3	17200	17200	NUM
cblr-14253	937	4	(	(	PUNCT
cblr-14253	937	5	prohibiting	prohibit	VERB
cblr-14253	937	6	“	"	PUNCT
cblr-14253	937	7	any	any	DET
cblr-14253	937	8	unlawful	unlawful	ADJ
cblr-14253	937	9	.	.	PUNCT
cblr-14253	937	10	.	.	PUNCT
cblr-14253	937	11	.	.	PUNCT
cblr-14253	938	1	business	business	NOUN
cblr-14253	938	2	act	act	PROPN
cblr-14253	938	3	or	or	CCONJ
cblr-14253	938	4	practice	practice	NOUN
cblr-14253	938	5	”	"	PUNCT
cblr-14253	938	6	and	and	CCONJ
cblr-14253	938	7	providing	provide	VERB
cblr-14253	938	8	a	a	DET
cblr-14253	938	9	private	private	ADJ
cblr-14253	938	10	cause	cause	NOUN
cblr-14253	938	11	of	of	ADP
cblr-14253	938	12	action	action	NOUN
cblr-14253	938	13	to	to	ADP
cblr-14253	938	14	consumers	consumer	NOUN
cblr-14253	938	15	who	who	PRON
cblr-14253	938	16	suffer	suffer	VERB
cblr-14253	938	17	damages	damage	NOUN
cblr-14253	938	18	from	from	ADP
cblr-14253	938	19	a	a	DET
cblr-14253	938	20	violation	violation	NOUN
cblr-14253	938	21	of	of	ADP
cblr-14253	938	22	either	either	DET
cblr-14253	938	23	california	california	PROPN
cblr-14253	938	24	’s	’s	PART
cblr-14253	938	25	or	or	CCONJ
cblr-14253	938	26	the	the	DET
cblr-14253	938	27	federal	federal	ADJ
cblr-14253	938	28	prohibition	prohibition	NOUN
cblr-14253	938	29	abusive	abusive	ADJ
cblr-14253	938	30	practices	practice	NOUN
cblr-14253	938	31	)	)	PUNCT
cblr-14253	938	32	.	.	PUNCT
cblr-14253	939	1	see	see	VERB
cblr-14253	939	2	cel	cel	PROPN
cblr-14253	939	3	-	-	PUNCT
cblr-14253	939	4	tech	tech	ADJ
cblr-14253	939	5	commc'ns	commc'ns	NOUN
cblr-14253	939	6	,	,	PUNCT
cblr-14253	939	7	inc	inc	PROPN
cblr-14253	939	8	.	.	PROPN
cblr-14253	939	9	v.	v.	PROPN
cblr-14253	939	10	l.a	l.a	PROPN
cblr-14253	939	11	.	.	PROPN
cblr-14253	939	12	cellular	cellular	ADJ
cblr-14253	939	13	tel	tel	PROPN
cblr-14253	939	14	.	.	PROPN
cblr-14253	939	15	co.	co.	PROPN
cblr-14253	939	16	,	,	PUNCT
cblr-14253	939	17	20	20	NUM
cblr-14253	939	18	cal	cal	NOUN
cblr-14253	939	19	.	.	PUNCT
cblr-14253	940	1	4th	4th	ADJ
cblr-14253	940	2	163	163	NUM
cblr-14253	940	3	,	,	PUNCT
cblr-14253	940	4	180	180	NUM
cblr-14253	940	5	(	(	PUNCT
cblr-14253	940	6	1999	1999	NUM
cblr-14253	940	7	)	)	PUNCT
cblr-14253	940	8	(	(	PUNCT
cblr-14253	940	9	“	"	PUNCT
cblr-14253	940	10	by	by	ADP
cblr-14253	940	11	proscribing	proscribe	VERB
cblr-14253	940	12	any	any	DET
cblr-14253	940	13	unlawful	unlawful	ADJ
cblr-14253	940	14	business	business	NOUN
cblr-14253	940	15	practice	practice	NOUN
cblr-14253	940	16	,	,	PUNCT
cblr-14253	940	17	section	section	NOUN
cblr-14253	940	18	17200	17200	NUM
cblr-14253	940	19	‘	'	PUNCT
cblr-14253	940	20	borrows	borrow	NOUN
cblr-14253	940	21	’	'	PUNCT
cblr-14253	940	22	violations	violation	NOUN
cblr-14253	940	23	of	of	ADP
cblr-14253	940	24	other	other	ADJ
cblr-14253	940	25	laws	law	NOUN
cblr-14253	940	26	and	and	CCONJ
cblr-14253	940	27	treats	treat	VERB
cblr-14253	940	28	them	they	PRON
cblr-14253	940	29	as	as	ADP
cblr-14253	940	30	unlawful	unlawful	ADJ
cblr-14253	940	31	practices	practice	NOUN
cblr-14253	940	32	that	that	PRON
cblr-14253	940	33	the	the	DET
cblr-14253	940	34	unfair	unfair	ADJ
cblr-14253	940	35	competition	competition	NOUN
cblr-14253	940	36	law	law	NOUN
cblr-14253	940	37	makes	make	VERB
cblr-14253	940	38	independently	independently	ADV
cblr-14253	940	39	actionable	actionable	ADJ
cblr-14253	940	40	.	.	PUNCT
cblr-14253	940	41	”	"	PUNCT
cblr-14253	940	42	)	)	PUNCT
cblr-14253	941	1	(	(	PUNCT
cblr-14253	941	2	emphasis	emphasis	NOUN
cblr-14253	941	3	added	add	VERB
cblr-14253	941	4	)	)	PUNCT
cblr-14253	941	5	(	(	PUNCT
cblr-14253	941	6	internal	internal	ADJ
cblr-14253	941	7	quotations	quotation	NOUN
cblr-14253	941	8	omitted	omit	VERB
cblr-14253	941	9	)	)	PUNCT
cblr-14253	941	10	(	(	PUNCT
cblr-14253	941	11	citations	citation	NOUN
cblr-14253	941	12	omitted	omit	VERB
cblr-14253	941	13	)	)	PUNCT
cblr-14253	941	14	.	.	PUNCT
cblr-14253	942	1	no	no	INTJ
cblr-14253	942	2	.	.	NOUN
cblr-14253	943	1	1	1	NUM
cblr-14253	943	2	]	]	PUNCT
cblr-14253	943	3	corrupt	corrupt	ADJ
cblr-14253	943	4	joint	joint	ADJ
cblr-14253	943	5	ventures	venture	NOUN
cblr-14253	943	6	445	445	NUM
cblr-14253	943	7	ventures	venture	NOUN
cblr-14253	943	8	.	.	PUNCT
cblr-14253	944	1	the	the	DET
cblr-14253	944	2	country	country	NOUN
cblr-14253	944	3	needs	need	VERB
cblr-14253	944	4	judges	judge	NOUN
cblr-14253	944	5	to	to	PART
cblr-14253	944	6	police	police	VERB
cblr-14253	944	7	the	the	DET
cblr-14253	944	8	real	real	ADJ
cblr-14253	944	9	-	-	PUNCT
cblr-14253	944	10	estate	estate	NOUN
cblr-14253	944	11	closing	closing	NOUN
cblr-14253	944	12	market	market	NOUN
cblr-14253	944	13	to	to	PART
cblr-14253	944	14	ensure	ensure	VERB
cblr-14253	944	15	the	the	DET
cblr-14253	944	16	integrity	integrity	NOUN
cblr-14253	944	17	of	of	ADP
cblr-14253	944	18	transactions	transaction	NOUN
cblr-14253	944	19	,	,	PUNCT
cblr-14253	944	20	safeguard	safeguard	VERB
cblr-14253	944	21	consumers	consumer	NOUN
cblr-14253	944	22	from	from	ADP
cblr-14253	944	23	exploitative	exploitative	ADJ
cblr-14253	944	24	schemes	scheme	NOUN
cblr-14253	944	25	,	,	PUNCT
cblr-14253	944	26	and	and	CCONJ
cblr-14253	944	27	protect	protect	VERB
cblr-14253	944	28	law	law	NOUN
cblr-14253	944	29	-	-	PUNCT
cblr-14253	944	30	abiding	abide	VERB
cblr-14253	944	31	businesses	business	NOUN
cblr-14253	944	32	from	from	ADP
cblr-14253	944	33	unfair	unfair	ADJ
cblr-14253	944	34	competition	competition	NOUN
cblr-14253	944	35	.	.	PUNCT
cblr-14253	945	1	additionally	additionally	ADV
cblr-14253	945	2	,	,	PUNCT
cblr-14253	945	3	courts	court	NOUN
cblr-14253	945	4	should	should	AUX
cblr-14253	945	5	facilitate	facilitate	VERB
cblr-14253	945	6	the	the	DET
cblr-14253	945	7	robust	robust	ADJ
cblr-14253	945	8	discovery	discovery	NOUN
cblr-14253	945	9	needed	need	VERB
cblr-14253	945	10	to	to	PART
cblr-14253	945	11	uncover	uncover	VERB
cblr-14253	945	12	evidence	evidence	NOUN
cblr-14253	945	13	of	of	ADP
cblr-14253	945	14	wrongdoing	wrongdoing	NOUN
cblr-14253	945	15	and	and	CCONJ
cblr-14253	945	16	ensure	ensure	VERB
cblr-14253	945	17	a	a	DET
cblr-14253	945	18	thorough	thorough	ADJ
cblr-14253	945	19	examination	examination	NOUN
cblr-14253	945	20	of	of	ADP
cblr-14253	945	21	the	the	DET
cblr-14253	945	22	facts	fact	NOUN
cblr-14253	945	23	.	.	PUNCT
cblr-14253	946	1	in	in	ADP
cblr-14253	946	2	cases	case	NOUN
cblr-14253	946	3	where	where	SCONJ
cblr-14253	946	4	violations	violation	NOUN
cblr-14253	946	5	are	be	AUX
cblr-14253	946	6	substantiated	substantiate	VERB
cblr-14253	946	7	,	,	PUNCT
cblr-14253	946	8	courts	court	NOUN
cblr-14253	946	9	should	should	AUX
cblr-14253	946	10	be	be	AUX
cblr-14253	946	11	empowered	empower	VERB
cblr-14253	946	12	to	to	PART
cblr-14253	946	13	award	award	VERB
cblr-14253	946	14	attorneys	attorney	NOUN
cblr-14253	946	15	’	’	PART
cblr-14253	946	16	fees	fee	NOUN
cblr-14253	946	17	that	that	PRON
cblr-14253	946	18	reflect	reflect	VERB
cblr-14253	946	19	the	the	DET
cblr-14253	946	20	complexity	complexity	NOUN
cblr-14253	946	21	and	and	CCONJ
cblr-14253	946	22	significance	significance	NOUN
cblr-14253	946	23	of	of	ADP
cblr-14253	946	24	these	these	DET
cblr-14253	946	25	matters	matter	NOUN
cblr-14253	946	26	,	,	PUNCT
cblr-14253	946	27	incentivizing	incentivize	VERB
cblr-14253	946	28	competent	competent	ADJ
cblr-14253	946	29	representation	representation	NOUN
cblr-14253	946	30	and	and	CCONJ
cblr-14253	946	31	promoting	promote	VERB
cblr-14253	946	32	access	access	NOUN
cblr-14253	946	33	to	to	ADP
cblr-14253	946	34	justice	justice	NOUN
cblr-14253	946	35	.	.	PUNCT
cblr-14253	947	1	while	while	SCONJ
cblr-14253	947	2	more	more	ADJ
cblr-14253	947	3	strident	strident	ADJ
cblr-14253	947	4	kickback	kickback	NOUN
cblr-14253	947	5	enforcement	enforcement	NOUN
cblr-14253	947	6	alone	alone	ADV
cblr-14253	947	7	may	may	AUX
cblr-14253	947	8	not	not	PART
cblr-14253	947	9	resolve	resolve	VERB
cblr-14253	947	10	america	america	PROPN
cblr-14253	947	11	’s	’s	PART
cblr-14253	947	12	affordable	affordable	ADJ
cblr-14253	947	13	-	-	PUNCT
cblr-14253	947	14	homebuying	homebuying	NOUN
cblr-14253	947	15	challenges	challenge	NOUN
cblr-14253	947	16	,	,	PUNCT
cblr-14253	947	17	enhanced	enhance	VERB
cblr-14253	947	18	public	public	ADJ
cblr-14253	947	19	and	and	CCONJ
cblr-14253	947	20	private	private	ADJ
cblr-14253	947	21	enforcement	enforcement	NOUN
cblr-14253	947	22	efforts	effort	NOUN
cblr-14253	947	23	represent	represent	VERB
cblr-14253	947	24	a	a	DET
cblr-14253	947	25	critical	critical	ADJ
cblr-14253	947	26	step	step	NOUN
cblr-14253	947	27	toward	toward	ADP
cblr-14253	947	28	addressing	address	VERB
cblr-14253	947	29	systemic	systemic	ADJ
cblr-14253	947	30	issues	issue	NOUN
cblr-14253	947	31	and	and	CCONJ
cblr-14253	947	32	promoting	promote	VERB
cblr-14253	947	33	fairness	fairness	NOUN
cblr-14253	947	34	and	and	CCONJ
cblr-14253	947	35	transparency	transparency	NOUN
cblr-14253	947	36	in	in	ADP
cblr-14253	947	37	real	real	ADJ
cblr-14253	947	38	-	-	PUNCT
cblr-14253	947	39	estate	estate	NOUN
cblr-14253	947	40	practices	practice	NOUN
cblr-14253	947	41	.	.	PUNCT
cblr-14253	948	1	finally	finally	ADV
cblr-14253	948	2	,	,	PUNCT
cblr-14253	948	3	the	the	DET
cblr-14253	948	4	complexity	complexity	NOUN
cblr-14253	948	5	and	and	CCONJ
cblr-14253	948	6	potential	potential	NOUN
cblr-14253	948	7	for	for	ADP
cblr-14253	948	8	abuse	abuse	NOUN
cblr-14253	948	9	inherent	inherent	ADJ
cblr-14253	948	10	in	in	ADP
cblr-14253	948	11	affiliated	affiliate	VERB
cblr-14253	948	12	-	-	PUNCT
cblr-14253	948	13	business	business	NOUN
cblr-14253	948	14	arrangements	arrangement	NOUN
cblr-14253	948	15	suggest	suggest	VERB
cblr-14253	948	16	that	that	SCONJ
cblr-14253	948	17	the	the	DET
cblr-14253	948	18	exception	exception	NOUN
cblr-14253	948	19	may	may	AUX
cblr-14253	948	20	have	have	AUX
cblr-14253	948	21	been	be	AUX
cblr-14253	948	22	ill	ill	ADV
cblr-14253	948	23	-	-	PUNCT
cblr-14253	948	24	advised	advise	VERB
cblr-14253	948	25	.	.	PUNCT
cblr-14253	949	1	as	as	SCONJ
cblr-14253	949	2	congress	congress	PROPN
cblr-14253	949	3	contemplates	contemplate	VERB
cblr-14253	949	4	measures	measure	NOUN
cblr-14253	949	5	to	to	PART
cblr-14253	949	6	address	address	VERB
cblr-14253	949	7	affordable	affordable	ADJ
cblr-14253	949	8	homebuying	homebuying	NOUN
cblr-14253	949	9	,	,	PUNCT
cblr-14253	949	10	the	the	DET
cblr-14253	949	11	repeal	repeal	NOUN
cblr-14253	949	12	of	of	ADP
cblr-14253	949	13	the	the	DET
cblr-14253	949	14	safe	safe	ADJ
cblr-14253	949	15	harbor	harbor	NOUN
cblr-14253	949	16	for	for	ADP
cblr-14253	949	17	affiliated	affiliate	VERB
cblr-14253	949	18	-	-	PUNCT
cblr-14253	949	19	business	business	NOUN
cblr-14253	949	20	arrangements	arrangement	NOUN
cblr-14253	949	21	should	should	AUX
cblr-14253	949	22	be	be	AUX
cblr-14253	949	23	one	one	NUM
cblr-14253	949	24	component	component	NOUN
cblr-14253	949	25	of	of	ADP
cblr-14253	949	26	broader	broad	ADJ
cblr-14253	949	27	legislative	legislative	ADJ
cblr-14253	949	28	-	-	PUNCT
cblr-14253	949	29	reform	reform	NOUN
cblr-14253	949	30	efforts	effort	NOUN
cblr-14253	949	31	.	.	PUNCT
cblr-14253	950	1	the	the	DET
cblr-14253	950	2	propensity	propensity	NOUN
cblr-14253	950	3	for	for	ADP
cblr-14253	950	4	circumvention	circumvention	NOUN
cblr-14253	950	5	,	,	PUNCT
cblr-14253	950	6	ambiguity	ambiguity	NOUN
cblr-14253	950	7	,	,	PUNCT
cblr-14253	950	8	and	and	CCONJ
cblr-14253	950	9	lack	lack	NOUN
cblr-14253	950	10	of	of	ADP
cblr-14253	950	11	consumer	consumer	NOUN
cblr-14253	950	12	benefit	benefit	NOUN
cblr-14253	950	13	associated	associate	VERB
cblr-14253	950	14	with	with	ADP
cblr-14253	950	15	affiliated	affiliate	VERB
cblr-14253	950	16	-	-	PUNCT
cblr-14253	950	17	business	business	NOUN
cblr-14253	950	18	arrangements	arrangement	NOUN
cblr-14253	950	19	underscore	underscore	VERB
cblr-14253	950	20	the	the	DET
cblr-14253	950	21	need	need	NOUN
cblr-14253	950	22	for	for	ADP
cblr-14253	950	23	reform	reform	NOUN
cblr-14253	950	24	.	.	PUNCT
cblr-14253	951	1	repealing	repeal	VERB
cblr-14253	951	2	this	this	DET
cblr-14253	951	3	exception	exception	NOUN
cblr-14253	951	4	would	would	AUX
cblr-14253	951	5	not	not	PART
cblr-14253	951	6	only	only	ADV
cblr-14253	951	7	enhance	enhance	VERB
cblr-14253	951	8	transparency	transparency	NOUN
cblr-14253	951	9	and	and	CCONJ
cblr-14253	951	10	accountability	accountability	NOUN
cblr-14253	951	11	in	in	ADP
cblr-14253	951	12	the	the	DET
cblr-14253	951	13	real	real	ADJ
cblr-14253	951	14	-	-	PUNCT
cblr-14253	951	15	estate	estate	NOUN
cblr-14253	951	16	sector	sector	NOUN
cblr-14253	951	17	,	,	PUNCT
cblr-14253	951	18	but	but	CCONJ
cblr-14253	951	19	it	it	PRON
cblr-14253	951	20	would	would	AUX
cblr-14253	951	21	also	also	ADV
cblr-14253	951	22	strengthen	strengthen	VERB
cblr-14253	951	23	consumer	consumer	NOUN
cblr-14253	951	24	protections	protection	NOUN
cblr-14253	951	25	by	by	ADP
cblr-14253	951	26	eliminating	eliminate	VERB
cblr-14253	951	27	loopholes	loophole	NOUN
cblr-14253	951	28	that	that	PRON
cblr-14253	951	29	can	can	AUX
cblr-14253	951	30	be	be	AUX
cblr-14253	951	31	exploited	exploit	VERB
cblr-14253	951	32	to	to	ADP
cblr-14253	951	33	the	the	DET
cblr-14253	951	34	detriment	detriment	NOUN
cblr-14253	951	35	of	of	ADP
cblr-14253	951	36	homebuyers	homebuyer	NOUN
cblr-14253	951	37	,	,	PUNCT
cblr-14253	951	38	sellers	seller	NOUN
cblr-14253	951	39	,	,	PUNCT
cblr-14253	951	40	and	and	CCONJ
cblr-14253	951	41	honest	honest	ADJ
cblr-14253	951	42	competitors	competitor	NOUN
cblr-14253	951	43	.	.	PUNCT
cblr-14253	952	1	meanwhile	meanwhile	ADV
cblr-14253	952	2	,	,	PUNCT
cblr-14253	952	3	state	state	NOUN
cblr-14253	952	4	legislatures	legislature	NOUN
cblr-14253	952	5	need	need	AUX
cblr-14253	952	6	not	not	PART
cblr-14253	952	7	wait	wait	VERB
cblr-14253	952	8	for	for	SCONJ
cblr-14253	952	9	congress	congress	PROPN
cblr-14253	952	10	to	to	PART
cblr-14253	952	11	act	act	VERB
cblr-14253	952	12	.	.	PUNCT
cblr-14253	953	1	while	while	SCONJ
cblr-14253	953	2	respa	respa	PROPN
cblr-14253	953	3	preempts	preempt	VERB
cblr-14253	953	4	inconsistent	inconsistent	ADJ
cblr-14253	953	5	state	state	NOUN
cblr-14253	953	6	laws	law	NOUN
cblr-14253	953	7	,	,	PUNCT
cblr-14253	953	8	it	it	PRON
cblr-14253	953	9	also	also	ADV
cblr-14253	953	10	provides	provide	VERB
cblr-14253	953	11	that	that	SCONJ
cblr-14253	953	12	a	a	DET
cblr-14253	953	13	state	state	NOUN
cblr-14253	953	14	law	law	NOUN
cblr-14253	953	15	is	be	AUX
cblr-14253	953	16	not	not	PART
cblr-14253	953	17	preempted	preempt	VERB
cblr-14253	953	18	if	if	SCONJ
cblr-14253	953	19	it	it	PRON
cblr-14253	953	20	“	"	PUNCT
cblr-14253	953	21	gives	give	VERB
cblr-14253	953	22	greater	great	ADJ
cblr-14253	953	23	protection	protection	NOUN
cblr-14253	953	24	to	to	ADP
cblr-14253	953	25	the	the	DET
cblr-14253	953	26	consumer	consumer	NOUN
cblr-14253	953	27	.	.	PUNCT
cblr-14253	953	28	”172	”172	PUNCT
cblr-14253	954	1	respa	respa	PROPN
cblr-14253	954	2	’s	’s	PART
cblr-14253	954	3	implementing	implement	VERB
cblr-14253	954	4	regulation	regulation	NOUN
cblr-14253	954	5	,	,	PUNCT
cblr-14253	954	6	regulation	regulation	NOUN
cblr-14253	954	7	x	x	X
cblr-14253	954	8	,	,	PUNCT
cblr-14253	954	9	explains	explain	VERB
cblr-14253	954	10	further	far	ADV
cblr-14253	954	11	that	that	SCONJ
cblr-14253	954	12	state	state	NOUN
cblr-14253	954	13	laws	law	NOUN
cblr-14253	954	14	“	"	PUNCT
cblr-14253	954	15	that	that	PRON
cblr-14253	954	16	impose	impose	VERB
cblr-14253	954	17	more	more	ADV
cblr-14253	954	18	stringent	stringent	ADJ
cblr-14253	954	19	limitations	limitation	NOUN
cblr-14253	954	20	on	on	ADP
cblr-14253	954	21	affiliated	affiliated	ADJ
cblr-14253	954	22	business	business	NOUN
cblr-14253	954	23	172	172	NUM
cblr-14253	954	24	12	12	NUM
cblr-14253	954	25	u.s.c	u.s.c	NOUN
cblr-14253	954	26	.	.	PUNCT
cblr-14253	955	1	§	§	PROPN
cblr-14253	955	2	2616	2616	NUM
cblr-14253	955	3	.	.	PUNCT
cblr-14253	956	1	446	446	NUM
cblr-14253	956	2	columbia	columbia	PROPN
cblr-14253	956	3	business	business	NOUN
cblr-14253	956	4	law	law	PROPN
cblr-14253	956	5	review	review	NOUN
cblr-14253	956	6	[	[	X
cblr-14253	956	7	vol	vol	NOUN
cblr-14253	956	8	.	.	NOUN
cblr-14253	956	9	2025	2025	NUM
cblr-14253	956	10	arrangements	arrangement	NOUN
cblr-14253	956	11	”	"	PUNCT
cblr-14253	956	12	are	be	AUX
cblr-14253	956	13	not	not	PART
cblr-14253	956	14	preempted	preempt	VERB
cblr-14253	956	15	“	"	PUNCT
cblr-14253	956	16	so	so	ADV
cblr-14253	956	17	long	long	ADV
cblr-14253	956	18	as	as	SCONJ
cblr-14253	956	19	they	they	PRON
cblr-14253	956	20	give	give	VERB
cblr-14253	956	21	more	more	ADJ
cblr-14253	956	22	protection	protection	NOUN
cblr-14253	956	23	to	to	ADP
cblr-14253	956	24	consumers	consumer	NOUN
cblr-14253	956	25	and/or	and/or	CCONJ
cblr-14253	956	26	competition	competition	NOUN
cblr-14253	956	27	.	.	PUNCT
cblr-14253	957	1	”173	”173	ADP
cblr-14253	957	2	several	several	ADJ
cblr-14253	957	3	states	state	NOUN
cblr-14253	957	4	have	have	AUX
cblr-14253	957	5	used	use	VERB
cblr-14253	957	6	this	this	DET
cblr-14253	957	7	authority	authority	NOUN
cblr-14253	957	8	to	to	PART
cblr-14253	957	9	place	place	VERB
cblr-14253	957	10	more	more	ADV
cblr-14253	957	11	stringent	stringent	ADJ
cblr-14253	957	12	limitations	limitation	NOUN
cblr-14253	957	13	on	on	ADP
cblr-14253	957	14	affiliated	affiliate	VERB
cblr-14253	957	15	-	-	PUNCT
cblr-14253	957	16	business	business	NOUN
cblr-14253	957	17	arrangements	arrangement	NOUN
cblr-14253	957	18	.	.	PUNCT
cblr-14253	958	1	the	the	DET
cblr-14253	958	2	district	district	PROPN
cblr-14253	958	3	of	of	ADP
cblr-14253	958	4	columbia	columbia	PROPN
cblr-14253	958	5	(	(	PUNCT
cblr-14253	958	6	which	which	PRON
cblr-14253	958	7	respa	respa	PROPN
cblr-14253	958	8	defines	define	VERB
cblr-14253	958	9	as	as	ADP
cblr-14253	958	10	a	a	DET
cblr-14253	958	11	“	"	PUNCT
cblr-14253	958	12	state”174	state”174	ADJ
cblr-14253	958	13	)	)	PUNCT
cblr-14253	958	14	,	,	PUNCT
cblr-14253	958	15	for	for	ADP
cblr-14253	958	16	example	example	NOUN
cblr-14253	958	17	,	,	PUNCT
cblr-14253	958	18	has	have	AUX
cblr-14253	958	19	made	make	VERB
cblr-14253	958	20	no	no	DET
cblr-14253	958	21	exception	exception	NOUN
cblr-14253	958	22	for	for	ADP
cblr-14253	958	23	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	958	24	arrangements	arrangement	NOUN
cblr-14253	958	25	and	and	CCONJ
cblr-14253	958	26	plainly	plainly	ADV
cblr-14253	958	27	bans	ban	VERB
cblr-14253	958	28	all	all	DET
cblr-14253	958	29	kickbacks	kickback	NOUN
cblr-14253	958	30	for	for	ADP
cblr-14253	958	31	the	the	DET
cblr-14253	958	32	referral	referral	NOUN
cblr-14253	958	33	of	of	ADP
cblr-14253	958	34	title	title	NOUN
cblr-14253	958	35	business	business	NOUN
cblr-14253	958	36	:	:	PUNCT
cblr-14253	958	37	“	"	PUNCT
cblr-14253	958	38	a	a	DET
cblr-14253	958	39	title	title	NOUN
cblr-14253	958	40	insurer	insurer	NOUN
cblr-14253	958	41	or	or	CCONJ
cblr-14253	958	42	other	other	ADJ
cblr-14253	958	43	person	person	NOUN
cblr-14253	958	44	shall	shall	AUX
cblr-14253	958	45	not	not	PART
cblr-14253	958	46	give	give	VERB
cblr-14253	958	47	or	or	CCONJ
cblr-14253	958	48	receive	receive	VERB
cblr-14253	958	49	,	,	PUNCT
cblr-14253	958	50	directly	directly	ADV
cblr-14253	958	51	or	or	CCONJ
cblr-14253	958	52	indirectly	indirectly	ADV
cblr-14253	958	53	,	,	PUNCT
cblr-14253	958	54	any	any	DET
cblr-14253	958	55	consideration	consideration	NOUN
cblr-14253	958	56	for	for	ADP
cblr-14253	958	57	the	the	DET
cblr-14253	958	58	referral	referral	NOUN
cblr-14253	958	59	of	of	ADP
cblr-14253	958	60	title	title	NOUN
cblr-14253	958	61	insurance	insurance	NOUN
cblr-14253	958	62	business	business	NOUN
cblr-14253	958	63	or	or	CCONJ
cblr-14253	958	64	escrow	escrow	NOUN
cblr-14253	958	65	or	or	CCONJ
cblr-14253	958	66	other	other	ADJ
cblr-14253	958	67	service	service	NOUN
cblr-14253	958	68	provided	provide	VERB
cblr-14253	958	69	by	by	ADP
cblr-14253	958	70	a	a	DET
cblr-14253	958	71	title	title	NOUN
cblr-14253	958	72	insurer	insurer	NOUN
cblr-14253	958	73	.	.	PUNCT
cblr-14253	959	1	”175	”175	PUNCT
cblr-14253	960	1	the	the	DET
cblr-14253	960	2	laws	law	NOUN
cblr-14253	960	3	of	of	ADP
cblr-14253	960	4	arizona	arizona	PROPN
cblr-14253	960	5	and	and	CCONJ
cblr-14253	960	6	new	new	PROPN
cblr-14253	960	7	york	york	PROPN
cblr-14253	960	8	similarly	similarly	ADV
cblr-14253	960	9	restrict	restrict	VERB
cblr-14253	960	10	referral	referral	ADJ
cblr-14253	960	11	payments	payment	NOUN
cblr-14253	960	12	and	and	CCONJ
cblr-14253	960	13	do	do	AUX
cblr-14253	960	14	not	not	PART
cblr-14253	960	15	have	have	VERB
cblr-14253	960	16	an	an	DET
cblr-14253	960	17	exception	exception	NOUN
cblr-14253	960	18	for	for	ADP
cblr-14253	960	19	affiliated	affiliate	VERB
cblr-14253	960	20	-	-	PUNCT
cblr-14253	960	21	business	business	NOUN
cblr-14253	960	22	-	-	PUNCT
cblr-14253	960	23	arrangements176	arrangements176	NOUN
cblr-14253	960	24	—	—	PUNCT
cblr-14253	960	25	effectively	effectively	ADV
cblr-14253	960	26	reproducing	reproduce	VERB
cblr-14253	960	27	federal	federal	ADJ
cblr-14253	960	28	law	law	NOUN
cblr-14253	960	29	before	before	ADP
cblr-14253	960	30	1983	1983	NUM
cblr-14253	960	31	.	.	PUNCT
cblr-14253	961	1	the	the	DET
cblr-14253	961	2	attorneys	attorney	NOUN
cblr-14253	961	3	general	general	ADJ
cblr-14253	961	4	of	of	ADP
cblr-14253	961	5	these	these	DET
cblr-14253	961	6	states	state	NOUN
cblr-14253	961	7	should	should	AUX
cblr-14253	961	8	enforce	enforce	VERB
cblr-14253	961	9	their	their	PRON
cblr-14253	961	10	respective	respective	ADJ
cblr-14253	961	11	laws	law	NOUN
cblr-14253	961	12	.	.	PUNCT
cblr-14253	962	1	other	other	ADJ
cblr-14253	962	2	states	state	NOUN
cblr-14253	962	3	could	could	AUX
cblr-14253	962	4	follow	follow	VERB
cblr-14253	962	5	suit	suit	NOUN
cblr-14253	962	6	and	and	CCONJ
cblr-14253	962	7	could	could	AUX
cblr-14253	962	8	ensure	ensure	VERB
cblr-14253	962	9	enforcement	enforcement	NOUN
cblr-14253	962	10	with	with	ADP
cblr-14253	962	11	a	a	DET
cblr-14253	962	12	private	private	ADJ
cblr-14253	962	13	cause	cause	NOUN
cblr-14253	962	14	of	of	ADP
cblr-14253	962	15	action	action	NOUN
cblr-14253	962	16	backed	back	VERB
cblr-14253	962	17	up	up	ADP
cblr-14253	962	18	by	by	ADP
cblr-14253	962	19	mandatory	mandatory	ADJ
cblr-14253	962	20	fee	fee	NOUN
cblr-14253	962	21	shifting	shift	VERB
cblr-14253	962	22	to	to	ADP
cblr-14253	962	23	prevailing	prevail	VERB
cblr-14253	962	24	plaintiffs	plaintiff	NOUN
cblr-14253	962	25	.	.	PUNCT
cblr-14253	963	1	unlike	unlike	ADP
cblr-14253	963	2	affordable	affordable	ADJ
cblr-14253	963	3	-	-	PUNCT
cblr-14253	963	4	housing	housing	NOUN
cblr-14253	963	5	programs	program	NOUN
cblr-14253	963	6	that	that	PRON
cblr-14253	963	7	raise	raise	VERB
cblr-14253	963	8	taxes	taxis	NOUN
cblr-14253	963	9	to	to	PART
cblr-14253	963	10	fund	fund	VERB
cblr-14253	963	11	costly	costly	ADJ
cblr-14253	963	12	development	development	NOUN
cblr-14253	963	13	projects	project	NOUN
cblr-14253	963	14	,	,	PUNCT
cblr-14253	963	15	reforming	reform	VERB
cblr-14253	963	16	the	the	DET
cblr-14253	963	17	settlement	settlement	NOUN
cblr-14253	963	18	-	-	PUNCT
cblr-14253	963	19	services	service	NOUN
cblr-14253	963	20	market	market	NOUN
cblr-14253	963	21	to	to	PART
cblr-14253	963	22	be	be	AUX
cblr-14253	963	23	more	more	ADV
cblr-14253	963	24	efficient	efficient	ADJ
cblr-14253	963	25	,	,	PUNCT
cblr-14253	963	26	173	173	NUM
cblr-14253	963	27	12	12	NUM
cblr-14253	963	28	c.f.r	c.f.r	NOUN
cblr-14253	963	29	.	.	PUNCT
cblr-14253	964	1	§	§	PROPN
cblr-14253	964	2	1024.5(c)(2)(ii	1024.5(c)(2)(ii	NUM
cblr-14253	964	3	)	)	PUNCT
cblr-14253	964	4	.	.	PUNCT
cblr-14253	965	1	174	174	NUM
cblr-14253	965	2	15	15	NUM
cblr-14253	965	3	u.s.c	u.s.c	NOUN
cblr-14253	965	4	.	.	PUNCT
cblr-14253	966	1	§	§	PROPN
cblr-14253	966	2	1602(s	1602(s	NOUN
cblr-14253	966	3	)	)	PUNCT
cblr-14253	966	4	.	.	PUNCT
cblr-14253	967	1	175	175	NUM
cblr-14253	967	2	d.c	d.c	PROPN
cblr-14253	967	3	.	.	PROPN
cblr-14253	967	4	code	code	PROPN
cblr-14253	967	5	§	§	PROPN
cblr-14253	967	6	31	31	NUM
cblr-14253	967	7	-	-	SYM
cblr-14253	967	8	5031.15	5031.15	NUM
cblr-14253	967	9	.	.	PUNCT
cblr-14253	968	1	176	176	NUM
cblr-14253	968	2	see	see	VERB
cblr-14253	968	3	ariz	ariz	PROPN
cblr-14253	968	4	.	.	PUNCT
cblr-14253	969	1	rev	rev	PROPN
cblr-14253	969	2	.	.	PROPN
cblr-14253	969	3	stat	stat	PROPN
cblr-14253	969	4	.	.	PUNCT
cblr-14253	970	1	§	§	PROPN
cblr-14253	970	2	20	20	NUM
cblr-14253	970	3	-	-	SYM
cblr-14253	970	4	1585	1585	NUM
cblr-14253	970	5	(	(	PUNCT
cblr-14253	970	6	“	"	PUNCT
cblr-14253	970	7	[	[	X
cblr-14253	970	8	n]o	n]o	NOUN
cblr-14253	970	9	title	title	NOUN
cblr-14253	970	10	insurance	insurance	NOUN
cblr-14253	970	11	agent	agent	NOUN
cblr-14253	970	12	shall	shall	AUX
cblr-14253	970	13	pay	pay	VERB
cblr-14253	970	14	or	or	CCONJ
cblr-14253	970	15	give	give	VERB
cblr-14253	970	16	to	to	ADP
cblr-14253	970	17	any	any	PRON
cblr-14253	970	18	.	.	PUNCT
cblr-14253	970	19	.	.	PUNCT
cblr-14253	970	20	.	.	PUNCT
cblr-14253	971	1	agent	agent	NOUN
cblr-14253	971	2	.	.	PUNCT
cblr-14253	971	3	.	.	PUNCT
cblr-14253	972	1	.	.	PUNCT
cblr-14253	973	1	of	of	ADP
cblr-14253	973	2	the	the	DET
cblr-14253	973	3	prospective	prospective	ADJ
cblr-14253	973	4	owner	owner	NOUN
cblr-14253	973	5	.	.	PUNCT
cblr-14253	973	6	.	.	PUNCT
cblr-14253	974	1	.	.	PUNCT
cblr-14253	975	1	of	of	ADP
cblr-14253	975	2	the	the	DET
cblr-14253	975	3	real	real	ADJ
cblr-14253	975	4	property	property	NOUN
cblr-14253	975	5	[	[	X
cblr-14253	975	6	,	,	PUNCT
cblr-14253	975	7	]	]	PUNCT
cblr-14253	975	8	either	either	CCONJ
cblr-14253	975	9	directly	directly	ADV
cblr-14253	975	10	or	or	CCONJ
cblr-14253	975	11	indirectly	indirectly	ADV
cblr-14253	975	12	,	,	PUNCT
cblr-14253	975	13	any	any	DET
cblr-14253	975	14	commission	commission	NOUN
cblr-14253	975	15	or	or	CCONJ
cblr-14253	975	16	any	any	DET
cblr-14253	975	17	part	part	NOUN
cblr-14253	975	18	of	of	ADP
cblr-14253	975	19	its	its	PRON
cblr-14253	975	20	fees	fee	NOUN
cblr-14253	975	21	or	or	CCONJ
cblr-14253	975	22	charges	charge	NOUN
cblr-14253	975	23	including	include	VERB
cblr-14253	975	24	,	,	PUNCT
cblr-14253	975	25	but	but	CCONJ
cblr-14253	975	26	not	not	PART
cblr-14253	975	27	limited	limit	VERB
cblr-14253	975	28	to	to	ADP
cblr-14253	975	29	,	,	PUNCT
cblr-14253	975	30	fees	fee	NOUN
cblr-14253	975	31	for	for	ADP
cblr-14253	975	32	escrow	escrow	NOUN
cblr-14253	975	33	services	service	NOUN
cblr-14253	975	34	performed	perform	VERB
cblr-14253	975	35	by	by	ADP
cblr-14253	975	36	a	a	DET
cblr-14253	975	37	title	title	NOUN
cblr-14253	975	38	insurer	insurer	NOUN
cblr-14253	975	39	or	or	CCONJ
cblr-14253	975	40	title	title	NOUN
cblr-14253	975	41	insurance	insurance	NOUN
cblr-14253	975	42	agent	agent	NOUN
cblr-14253	975	43	,	,	PUNCT
cblr-14253	975	44	or	or	CCONJ
cblr-14253	975	45	any	any	DET
cblr-14253	975	46	other	other	ADJ
cblr-14253	975	47	consideration	consideration	NOUN
cblr-14253	975	48	or	or	CCONJ
cblr-14253	975	49	valuable	valuable	ADJ
cblr-14253	975	50	thing	thing	NOUN
cblr-14253	975	51	,	,	PUNCT
cblr-14253	975	52	as	as	ADP
cblr-14253	975	53	an	an	DET
cblr-14253	975	54	inducement	inducement	NOUN
cblr-14253	975	55	for	for	ADP
cblr-14253	975	56	,	,	PUNCT
cblr-14253	975	57	or	or	CCONJ
cblr-14253	975	58	as	as	ADP
cblr-14253	975	59	compensation	compensation	NOUN
cblr-14253	975	60	for	for	ADP
cblr-14253	975	61	,	,	PUNCT
cblr-14253	975	62	any	any	DET
cblr-14253	975	63	title	title	NOUN
cblr-14253	975	64	insurance	insurance	NOUN
cblr-14253	975	65	business	business	NOUN
cblr-14253	975	66	.	.	PUNCT
cblr-14253	975	67	”	"	PUNCT
cblr-14253	975	68	)	)	PUNCT
cblr-14253	975	69	;	;	PUNCT
cblr-14253	975	70	n.y	n.y	PROPN
cblr-14253	975	71	.	.	PROPN
cblr-14253	975	72	ins	ins	PROPN
cblr-14253	975	73	.	.	PUNCT
cblr-14253	976	1	law	law	NOUN
cblr-14253	976	2	§	§	PROPN
cblr-14253	976	3	6409(d	6409(d	NOUN
cblr-14253	976	4	)	)	PUNCT
cblr-14253	977	1	(	(	PUNCT
cblr-14253	977	2	making	make	VERB
cblr-14253	977	3	it	it	PRON
cblr-14253	977	4	unlawful	unlawful	ADJ
cblr-14253	977	5	for	for	ADP
cblr-14253	977	6	a	a	DET
cblr-14253	977	7	“	"	PUNCT
cblr-14253	977	8	title	title	NOUN
cblr-14253	977	9	insurance	insurance	NOUN
cblr-14253	977	10	agent	agent	NOUN
cblr-14253	977	11	.	.	PUNCT
cblr-14253	977	12	.	.	PUNCT
cblr-14253	978	1	.	.	PUNCT
cblr-14253	979	1	[	[	X
cblr-14253	979	2	to	to	PART
cblr-14253	979	3	]	]	PUNCT
cblr-14253	979	4	pay	pay	VERB
cblr-14253	979	5	or	or	CCONJ
cblr-14253	979	6	give	give	VERB
cblr-14253	979	7	to	to	ADP
cblr-14253	979	8	.	.	PUNCT
cblr-14253	979	9	.	.	PUNCT
cblr-14253	979	10	.	.	PUNCT
cblr-14253	980	1	any	any	DET
cblr-14253	980	2	person	person	NOUN
cblr-14253	980	3	.	.	PUNCT
cblr-14253	980	4	.	.	PUNCT
cblr-14253	980	5	.	.	PUNCT
cblr-14253	981	1	acting	act	VERB
cblr-14253	981	2	as	as	ADP
cblr-14253	981	3	agent	agent	NOUN
cblr-14253	981	4	.	.	PUNCT
cblr-14253	981	5	.	.	PUNCT
cblr-14253	982	1	.	.	PUNCT
cblr-14253	983	1	of	of	ADP
cblr-14253	983	2	the	the	DET
cblr-14253	983	3	owner	owner	NOUN
cblr-14253	983	4	.	.	PUNCT
cblr-14253	983	5	.	.	PUNCT
cblr-14253	984	1	.	.	PUNCT
cblr-14253	985	1	or	or	CCONJ
cblr-14253	985	2	the	the	DET
cblr-14253	985	3	prospective	prospective	ADJ
cblr-14253	985	4	owner	owner	NOUN
cblr-14253	985	5	.	.	PUNCT
cblr-14253	985	6	.	.	PUNCT
cblr-14253	986	1	.	.	PUNCT
cblr-14253	987	1	of	of	ADP
cblr-14253	987	2	the	the	DET
cblr-14253	987	3	real	real	ADJ
cblr-14253	987	4	property	property	NOUN
cblr-14253	987	5	[	[	X
cblr-14253	987	6	,	,	PUNCT
cblr-14253	987	7	]	]	PUNCT
cblr-14253	987	8	either	either	CCONJ
cblr-14253	987	9	directly	directly	ADV
cblr-14253	987	10	or	or	CCONJ
cblr-14253	987	11	indirectly	indirectly	ADV
cblr-14253	987	12	,	,	PUNCT
cblr-14253	987	13	any	any	PRON
cblr-14253	987	14	.	.	PUNCT
cblr-14253	987	15	.	.	PUNCT
cblr-14253	987	16	.	.	PUNCT
cblr-14253	988	1	consideration	consideration	NOUN
cblr-14253	988	2	or	or	CCONJ
cblr-14253	988	3	valuable	valuable	ADJ
cblr-14253	988	4	thing	thing	NOUN
cblr-14253	988	5	,	,	PUNCT
cblr-14253	988	6	as	as	ADP
cblr-14253	988	7	an	an	DET
cblr-14253	988	8	inducement	inducement	NOUN
cblr-14253	988	9	for	for	ADP
cblr-14253	988	10	,	,	PUNCT
cblr-14253	988	11	or	or	CCONJ
cblr-14253	988	12	as	as	ADP
cblr-14253	988	13	compensation	compensation	NOUN
cblr-14253	988	14	for	for	ADP
cblr-14253	988	15	,	,	PUNCT
cblr-14253	988	16	any	any	DET
cblr-14253	988	17	title	title	NOUN
cblr-14253	988	18	insurance	insurance	NOUN
cblr-14253	988	19	business	business	NOUN
cblr-14253	988	20	.	.	PUNCT
cblr-14253	988	21	”	"	PUNCT
cblr-14253	988	22	)	)	PUNCT
cblr-14253	988	23	;	;	PUNCT
cblr-14253	988	24	i	i	PRON
cblr-14253	988	25	d.	d.	PROPN
cblr-14253	988	26	(	(	PUNCT
cblr-14253	988	27	making	make	VERB
cblr-14253	988	28	it	it	PRON
cblr-14253	988	29	unlawful	unlawful	ADJ
cblr-14253	988	30	for	for	ADP
cblr-14253	988	31	“	"	PUNCT
cblr-14253	988	32	any	any	DET
cblr-14253	988	33	person	person	NOUN
cblr-14253	988	34	.	.	PUNCT
cblr-14253	988	35	.	.	PUNCT
cblr-14253	988	36	.	.	PUNCT
cblr-14253	989	1	acting	act	VERB
cblr-14253	989	2	as	as	ADP
cblr-14253	989	3	agent	agent	NOUN
cblr-14253	989	4	.	.	PUNCT
cblr-14253	989	5	.	.	PUNCT
cblr-14253	990	1	.	.	PUNCT
cblr-14253	991	1	of	of	ADP
cblr-14253	991	2	the	the	DET
cblr-14253	991	3	owner	owner	NOUN
cblr-14253	991	4	.	.	PUNCT
cblr-14253	991	5	.	.	PUNCT
cblr-14253	992	1	.	.	PUNCT
cblr-14253	993	1	or	or	CCONJ
cblr-14253	993	2	of	of	ADP
cblr-14253	993	3	the	the	DET
cblr-14253	993	4	prospective	prospective	ADJ
cblr-14253	993	5	owner	owner	NOUN
cblr-14253	993	6	.	.	PUNCT
cblr-14253	993	7	.	.	PUNCT
cblr-14253	994	1	.	.	PUNCT
cblr-14253	995	1	of	of	ADP
cblr-14253	995	2	the	the	DET
cblr-14253	995	3	real	real	ADJ
cblr-14253	995	4	property	property	NOUN
cblr-14253	995	5	[	[	X
cblr-14253	995	6	to	to	PART
cblr-14253	995	7	]	]	PUNCT
cblr-14253	995	8	knowingly	knowingly	ADV
cblr-14253	995	9	receive	receive	VERB
cblr-14253	995	10	,	,	PUNCT
cblr-14253	995	11	directly	directly	ADV
cblr-14253	995	12	or	or	CCONJ
cblr-14253	995	13	indirectly	indirectly	ADV
cblr-14253	995	14	,	,	PUNCT
cblr-14253	995	15	any	any	DET
cblr-14253	995	16	such	such	ADJ
cblr-14253	995	17	.	.	PUNCT
cblr-14253	995	18	.	.	PUNCT
cblr-14253	995	19	.	.	PUNCT
cblr-14253	996	1	consideration	consideration	NOUN
cblr-14253	996	2	or	or	CCONJ
cblr-14253	996	3	valuable	valuable	ADJ
cblr-14253	996	4	thing	thing	NOUN
cblr-14253	996	5	.	.	PUNCT
cblr-14253	996	6	”	"	PUNCT
cblr-14253	996	7	)	)	PUNCT
cblr-14253	996	8	;	;	PUNCT
cblr-14253	996	9	d.c	d.c	PROPN
cblr-14253	996	10	.	.	PROPN
cblr-14253	996	11	code	code	PROPN
cblr-14253	996	12	§	§	PROPN
cblr-14253	996	13	31	31	NUM
cblr-14253	996	14	-	-	SYM
cblr-14253	996	15	5031.15	5031.15	NUM
cblr-14253	996	16	(	(	PUNCT
cblr-14253	996	17	“	"	PUNCT
cblr-14253	996	18	a	a	DET
cblr-14253	996	19	title	title	NOUN
cblr-14253	996	20	insurer	insurer	NOUN
cblr-14253	996	21	or	or	CCONJ
cblr-14253	996	22	other	other	ADJ
cblr-14253	996	23	person	person	NOUN
cblr-14253	996	24	shall	shall	AUX
cblr-14253	996	25	not	not	PART
cblr-14253	996	26	give	give	VERB
cblr-14253	996	27	or	or	CCONJ
cblr-14253	996	28	receive	receive	VERB
cblr-14253	996	29	,	,	PUNCT
cblr-14253	996	30	directly	directly	ADV
cblr-14253	996	31	or	or	CCONJ
cblr-14253	996	32	indirectly	indirectly	ADV
cblr-14253	996	33	,	,	PUNCT
cblr-14253	996	34	any	any	DET
cblr-14253	996	35	consideration	consideration	NOUN
cblr-14253	996	36	for	for	ADP
cblr-14253	996	37	the	the	DET
cblr-14253	996	38	referral	referral	NOUN
cblr-14253	996	39	of	of	ADP
cblr-14253	996	40	title	title	NOUN
cblr-14253	996	41	insurance	insurance	NOUN
cblr-14253	996	42	business	business	NOUN
cblr-14253	996	43	or	or	CCONJ
cblr-14253	996	44	escrow	escrow	NOUN
cblr-14253	996	45	or	or	CCONJ
cblr-14253	996	46	other	other	ADJ
cblr-14253	996	47	service	service	NOUN
cblr-14253	996	48	provided	provide	VERB
cblr-14253	996	49	by	by	ADP
cblr-14253	996	50	a	a	DET
cblr-14253	996	51	title	title	NOUN
cblr-14253	996	52	insurer	insurer	NOUN
cblr-14253	996	53	.	.	PUNCT
cblr-14253	996	54	”	"	PUNCT
cblr-14253	996	55	)	)	PUNCT
cblr-14253	996	56	.	.	PUNCT
cblr-14253	997	1	no	no	INTJ
cblr-14253	997	2	.	.	NOUN
cblr-14253	998	1	1	1	NUM
cblr-14253	998	2	]	]	PUNCT
cblr-14253	998	3	corrupt	corrupt	ADJ
cblr-14253	998	4	joint	joint	ADJ
cblr-14253	998	5	ventures	venture	NOUN
cblr-14253	998	6	447	447	NUM
cblr-14253	998	7	transparent	transparent	ADJ
cblr-14253	998	8	,	,	PUNCT
cblr-14253	998	9	and	and	CCONJ
cblr-14253	998	10	fair	fair	ADJ
cblr-14253	998	11	to	to	ADP
cblr-14253	998	12	consumers	consumer	NOUN
cblr-14253	998	13	imposes	impose	VERB
cblr-14253	998	14	no	no	DET
cblr-14253	998	15	burden	burden	NOUN
cblr-14253	998	16	on	on	ADP
cblr-14253	998	17	the	the	DET
cblr-14253	998	18	public	public	ADJ
cblr-14253	998	19	fisc	fisc	NOUN
cblr-14253	998	20	.	.	PUNCT
cblr-14253	999	1	vii	vii	PROPN
cblr-14253	999	2	.	.	PROPN
cblr-14253	999	3	conclusion	conclusion	NOUN
cblr-14253	999	4	this	this	DET
cblr-14253	999	5	article	article	NOUN
cblr-14253	999	6	has	have	AUX
cblr-14253	999	7	highlighted	highlight	VERB
cblr-14253	999	8	harm	harm	NOUN
cblr-14253	999	9	to	to	ADP
cblr-14253	999	10	consumers	consumer	NOUN
cblr-14253	999	11	arising	arise	VERB
cblr-14253	999	12	from	from	ADP
cblr-14253	999	13	real	real	ADJ
cblr-14253	999	14	-	-	PUNCT
cblr-14253	999	15	estate	estate	NOUN
cblr-14253	999	16	-	-	PUNCT
cblr-14253	999	17	settlement	settlement	NOUN
cblr-14253	999	18	vendors	vendor	NOUN
cblr-14253	999	19	who	who	PRON
cblr-14253	999	20	form	form	VERB
cblr-14253	999	21	jointly	jointly	ADV
cblr-14253	999	22	owned	own	VERB
cblr-14253	999	23	businesses	business	NOUN
cblr-14253	999	24	to	to	PART
cblr-14253	999	25	extract	extract	VERB
cblr-14253	999	26	higher	high	ADJ
cblr-14253	999	27	closing	closing	NOUN
cblr-14253	999	28	costs	cost	NOUN
cblr-14253	999	29	from	from	ADP
cblr-14253	999	30	consumers	consumer	NOUN
cblr-14253	999	31	.	.	PUNCT
cblr-14253	1000	1	these	these	DET
cblr-14253	1000	2	joint	joint	ADJ
cblr-14253	1000	3	ventures	venture	NOUN
cblr-14253	1000	4	most	most	ADV
cblr-14253	1000	5	commonly	commonly	ADV
cblr-14253	1000	6	involve	involve	VERB
cblr-14253	1000	7	real	real	ADJ
cblr-14253	1000	8	-	-	PUNCT
cblr-14253	1000	9	estate	estate	NOUN
cblr-14253	1000	10	agents	agent	NOUN
cblr-14253	1000	11	on	on	ADP
cblr-14253	1000	12	the	the	DET
cblr-14253	1000	13	one	one	NUM
cblr-14253	1000	14	hand	hand	NOUN
cblr-14253	1000	15	and	and	CCONJ
cblr-14253	1000	16	mortgage	mortgage	NOUN
cblr-14253	1000	17	brokers	broker	NOUN
cblr-14253	1000	18	or	or	CCONJ
cblr-14253	1000	19	titleinsurance	titleinsurance	NOUN
cblr-14253	1000	20	companies	company	NOUN
cblr-14253	1000	21	on	on	ADP
cblr-14253	1000	22	the	the	DET
cblr-14253	1000	23	other	other	ADJ
cblr-14253	1000	24	.	.	PUNCT
cblr-14253	1001	1	we	we	PRON
cblr-14253	1001	2	argue	argue	VERB
cblr-14253	1001	3	that	that	SCONJ
cblr-14253	1001	4	real	real	ADJ
cblr-14253	1001	5	-	-	PUNCT
cblr-14253	1001	6	estatesettlement	estatesettlement	NOUN
cblr-14253	1001	7	joint	joint	ADJ
cblr-14253	1001	8	ventures	venture	NOUN
cblr-14253	1001	9	can	can	AUX
cblr-14253	1001	10	significantly	significantly	ADV
cblr-14253	1001	11	dampen	dampen	VERB
cblr-14253	1001	12	vendors	vendor	NOUN
cblr-14253	1001	13	’	'	PUNCT
cblr-14253	1001	14	motivation	motivation	NOUN
cblr-14253	1001	15	to	to	PART
cblr-14253	1001	16	compete	compete	VERB
cblr-14253	1001	17	by	by	ADP
cblr-14253	1001	18	providing	provide	VERB
cblr-14253	1001	19	consumers	consumer	NOUN
cblr-14253	1001	20	with	with	ADP
cblr-14253	1001	21	lower	low	ADJ
cblr-14253	1001	22	prices	price	NOUN
cblr-14253	1001	23	,	,	PUNCT
cblr-14253	1001	24	because	because	SCONJ
cblr-14253	1001	25	referring	refer	VERB
cblr-14253	1001	26	parties	party	NOUN
cblr-14253	1001	27	stand	stand	VERB
cblr-14253	1001	28	to	to	PART
cblr-14253	1001	29	earn	earn	VERB
cblr-14253	1001	30	more	more	ADJ
cblr-14253	1001	31	by	by	ADP
cblr-14253	1001	32	directing	direct	VERB
cblr-14253	1001	33	homebuyers	homebuyer	NOUN
cblr-14253	1001	34	toward	toward	ADP
cblr-14253	1001	35	a	a	DET
cblr-14253	1001	36	jointly	jointly	ADV
cblr-14253	1001	37	owned	own	VERB
cblr-14253	1001	38	venture	venture	NOUN
cblr-14253	1001	39	.	.	PUNCT
cblr-14253	1002	1	selfdealing	selfdeale	VERB
cblr-14253	1002	2	in	in	ADP
cblr-14253	1002	3	settlement	settlement	NOUN
cblr-14253	1002	4	joint	joint	ADJ
cblr-14253	1002	5	ventures	venture	NOUN
cblr-14253	1002	6	can	can	AUX
cblr-14253	1002	7	violate	violate	VERB
cblr-14253	1002	8	the	the	DET
cblr-14253	1002	9	law	law	NOUN
cblr-14253	1002	10	in	in	ADP
cblr-14253	1002	11	at	at	ADV
cblr-14253	1002	12	least	least	ADV
cblr-14253	1002	13	two	two	NUM
cblr-14253	1002	14	ways	way	NOUN
cblr-14253	1002	15	.	.	PUNCT
cblr-14253	1003	1	first	first	ADV
cblr-14253	1003	2	,	,	PUNCT
cblr-14253	1003	3	a	a	DET
cblr-14253	1003	4	large	large	ADJ
cblr-14253	1003	5	and	and	CCONJ
cblr-14253	1003	6	growing	grow	VERB
cblr-14253	1003	7	number	number	NOUN
cblr-14253	1003	8	of	of	ADP
cblr-14253	1003	9	established	establish	VERB
cblr-14253	1003	10	settlement	settlement	NOUN
cblr-14253	1003	11	businesses	business	NOUN
cblr-14253	1003	12	,	,	PUNCT
cblr-14253	1003	13	such	such	ADJ
cblr-14253	1003	14	as	as	ADP
cblr-14253	1003	15	title	title	NOUN
cblr-14253	1003	16	companies	company	NOUN
cblr-14253	1003	17	,	,	PUNCT
cblr-14253	1003	18	offer	offer	VERB
cblr-14253	1003	19	real	real	ADJ
cblr-14253	1003	20	-	-	PUNCT
cblr-14253	1003	21	estate	estate	NOUN
cblr-14253	1003	22	agents	agent	NOUN
cblr-14253	1003	23	equity	equity	NOUN
cblr-14253	1003	24	shares	share	NOUN
cblr-14253	1003	25	in	in	ADP
cblr-14253	1003	26	a	a	DET
cblr-14253	1003	27	new	new	ADJ
cblr-14253	1003	28	joint	joint	ADJ
cblr-14253	1003	29	venture	venture	NOUN
cblr-14253	1003	30	at	at	ADP
cblr-14253	1003	31	a	a	DET
cblr-14253	1003	32	discounted	discount	VERB
cblr-14253	1003	33	price	price	NOUN
cblr-14253	1003	34	.	.	PUNCT
cblr-14253	1004	1	this	this	DET
cblr-14253	1004	2	discount	discount	NOUN
cblr-14253	1004	3	is	be	AUX
cblr-14253	1004	4	a	a	DET
cblr-14253	1004	5	thing	thing	NOUN
cblr-14253	1004	6	of	of	ADP
cblr-14253	1004	7	value	value	NOUN
cblr-14253	1004	8	paid	pay	VERB
cblr-14253	1004	9	in	in	ADP
cblr-14253	1004	10	anticipation	anticipation	NOUN
cblr-14253	1004	11	of	of	ADP
cblr-14253	1004	12	future	future	ADJ
cblr-14253	1004	13	referrals	referral	NOUN
cblr-14253	1004	14	that	that	PRON
cblr-14253	1004	15	itself	itself	PRON
cblr-14253	1004	16	violates	violate	VERB
cblr-14253	1004	17	respa	respa	NOUN
cblr-14253	1004	18	.	.	PUNCT
cblr-14253	1005	1	and	and	CCONJ
cblr-14253	1005	2	the	the	DET
cblr-14253	1005	3	dividends	dividend	NOUN
cblr-14253	1005	4	paid	pay	VERB
cblr-14253	1005	5	by	by	ADP
cblr-14253	1005	6	such	such	DET
cblr-14253	1005	7	an	an	DET
cblr-14253	1005	8	arrangement	arrangement	NOUN
cblr-14253	1005	9	,	,	PUNCT
cblr-14253	1005	10	which	which	PRON
cblr-14253	1005	11	we	we	PRON
cblr-14253	1005	12	stylize	stylize	VERB
cblr-14253	1005	13	as	as	ADP
cblr-14253	1005	14	a	a	DET
cblr-14253	1005	15	discounted	discount	VERB
cblr-14253	1005	16	joint	joint	ADJ
cblr-14253	1005	17	venture	venture	NOUN
cblr-14253	1005	18	,	,	PUNCT
cblr-14253	1005	19	are	be	AUX
cblr-14253	1005	20	unlawful	unlawful	ADJ
cblr-14253	1005	21	kickback	kickback	NOUN
cblr-14253	1005	22	payments	payment	NOUN
cblr-14253	1005	23	because	because	SCONJ
cblr-14253	1005	24	they	they	PRON
cblr-14253	1005	25	are	be	AUX
cblr-14253	1005	26	not	not	PART
cblr-14253	1005	27	paid	pay	VERB
cblr-14253	1005	28	out	out	ADP
cblr-14253	1005	29	of	of	ADP
cblr-14253	1005	30	a	a	DET
cblr-14253	1005	31	respa	respa	NOUN
cblr-14253	1005	32	-	-	PUNCT
cblr-14253	1005	33	compliant	compliant	ADJ
cblr-14253	1005	34	affiliated	affiliate	VERB
cblr-14253	1005	35	-	-	PUNCT
cblr-14253	1005	36	business	business	NOUN
cblr-14253	1005	37	-	-	PUNCT
cblr-14253	1005	38	arrangement	arrangement	NOUN
cblr-14253	1005	39	.	.	PUNCT
cblr-14253	1006	1	second	second	ADJ
cblr-14253	1006	2	,	,	PUNCT
cblr-14253	1006	3	it	it	PRON
cblr-14253	1006	4	is	be	AUX
cblr-14253	1006	5	an	an	DET
cblr-14253	1006	6	abusive	abusive	ADJ
cblr-14253	1006	7	practice	practice	NOUN
cblr-14253	1006	8	under	under	ADP
cblr-14253	1006	9	federal	federal	ADJ
cblr-14253	1006	10	law	law	NOUN
cblr-14253	1006	11	for	for	ADP
cblr-14253	1006	12	a	a	DET
cblr-14253	1006	13	real	real	ADJ
cblr-14253	1006	14	-	-	PUNCT
cblr-14253	1006	15	estate	estate	NOUN
cblr-14253	1006	16	agent	agent	NOUN
cblr-14253	1006	17	or	or	CCONJ
cblr-14253	1006	18	other	other	ADJ
cblr-14253	1006	19	settlement	settlement	NOUN
cblr-14253	1006	20	vendor	vendor	NOUN
cblr-14253	1006	21	to	to	PART
cblr-14253	1006	22	refer	refer	VERB
cblr-14253	1006	23	business	business	NOUN
cblr-14253	1006	24	to	to	ADP
cblr-14253	1006	25	their	their	PRON
cblr-14253	1006	26	own	own	ADJ
cblr-14253	1006	27	affiliatedbusiness	affiliatedbusiness	NOUN
cblr-14253	1006	28	venture	venture	NOUN
cblr-14253	1006	29	when	when	SCONJ
cblr-14253	1006	30	a	a	DET
cblr-14253	1006	31	better	well	ADJ
cblr-14253	1006	32	deal	deal	NOUN
cblr-14253	1006	33	is	be	AUX
cblr-14253	1006	34	available	available	ADJ
cblr-14253	1006	35	elsewhere	elsewhere	ADV
cblr-14253	1006	36	.	.	PUNCT
cblr-14253	1007	1	the	the	DET
cblr-14253	1007	2	technical	technical	ADJ
cblr-14253	1007	3	details	detail	NOUN
cblr-14253	1007	4	of	of	ADP
cblr-14253	1007	5	compliant	compliant	ADJ
cblr-14253	1007	6	real	real	ADJ
cblr-14253	1007	7	-	-	PUNCT
cblr-14253	1007	8	estate	estate	NOUN
cblr-14253	1007	9	settlement	settlement	NOUN
cblr-14253	1007	10	are	be	AUX
cblr-14253	1007	11	important	important	ADJ
cblr-14253	1007	12	because	because	SCONJ
cblr-14253	1007	13	closing	closing	NOUN
cblr-14253	1007	14	costs	cost	NOUN
cblr-14253	1007	15	are	be	AUX
cblr-14253	1007	16	one	one	NUM
cblr-14253	1007	17	of	of	ADP
cblr-14253	1007	18	the	the	DET
cblr-14253	1007	19	most	most	ADV
cblr-14253	1007	20	substantial	substantial	ADJ
cblr-14253	1007	21	barriers	barrier	NOUN
cblr-14253	1007	22	consumers	consumer	NOUN
cblr-14253	1007	23	face	face	VERB
cblr-14253	1007	24	when	when	SCONJ
cblr-14253	1007	25	struggling	struggle	VERB
cblr-14253	1007	26	to	to	PART
cblr-14253	1007	27	purchase	purchase	VERB
cblr-14253	1007	28	a	a	DET
cblr-14253	1007	29	home	home	NOUN
cblr-14253	1007	30	.	.	PUNCT
cblr-14253	1008	1	we	we	PRON
cblr-14253	1008	2	call	call	VERB
cblr-14253	1008	3	for	for	ADP
cblr-14253	1008	4	several	several	ADJ
cblr-14253	1008	5	policy	policy	NOUN
cblr-14253	1008	6	reforms	reform	NOUN
cblr-14253	1008	7	.	.	PUNCT
cblr-14253	1009	1	the	the	DET
cblr-14253	1009	2	cfpb	cfpb	NOUN
cblr-14253	1009	3	should	should	AUX
cblr-14253	1009	4	issue	issue	VERB
cblr-14253	1009	5	detailed	detailed	ADJ
cblr-14253	1009	6	guidance	guidance	NOUN
cblr-14253	1009	7	on	on	ADP
cblr-14253	1009	8	discounted	discount	VERB
cblr-14253	1009	9	joint	joint	ADJ
cblr-14253	1009	10	ventures	venture	NOUN
cblr-14253	1009	11	and	and	CCONJ
cblr-14253	1009	12	abusive	abusive	ADJ
cblr-14253	1009	13	self	self	NOUN
cblr-14253	1009	14	-	-	PUNCT
cblr-14253	1009	15	interested	interested	ADJ
cblr-14253	1009	16	referrals	referral	NOUN
cblr-14253	1009	17	.	.	PUNCT
cblr-14253	1010	1	moreover	moreover	ADV
cblr-14253	1010	2	,	,	PUNCT
cblr-14253	1010	3	the	the	DET
cblr-14253	1010	4	cfpb	cfpb	NOUN
cblr-14253	1010	5	should	should	AUX
cblr-14253	1010	6	also	also	ADV
cblr-14253	1010	7	intensify	intensify	VERB
cblr-14253	1010	8	its	its	PRON
cblr-14253	1010	9	enforcement	enforcement	NOUN
cblr-14253	1010	10	efforts	effort	NOUN
cblr-14253	1010	11	against	against	ADP
cblr-14253	1010	12	businesses	business	NOUN
cblr-14253	1010	13	that	that	PRON
cblr-14253	1010	14	circumvent	circumvent	VERB
cblr-14253	1010	15	respa	respa	NOUN
cblr-14253	1010	16	with	with	ADP
cblr-14253	1010	17	noncompliant	noncompliant	ADJ
cblr-14253	1010	18	joint	joint	ADJ
cblr-14253	1010	19	ventures	venture	NOUN
cblr-14253	1010	20	to	to	PART
cblr-14253	1010	21	illegally	illegally	ADV
cblr-14253	1010	22	profit	profit	VERB
cblr-14253	1010	23	from	from	ADP
cblr-14253	1010	24	junk	junk	NOUN
cblr-14253	1010	25	fees	fee	NOUN
cblr-14253	1010	26	,	,	PUNCT
cblr-14253	1010	27	overpriced	overpriced	ADJ
cblr-14253	1010	28	services	service	NOUN
cblr-14253	1010	29	,	,	PUNCT
cblr-14253	1010	30	and	and	CCONJ
cblr-14253	1010	31	selfdealing	selfdealing	NOUN
cblr-14253	1010	32	.	.	PUNCT
cblr-14253	1011	1	similarly	similarly	ADV
cblr-14253	1011	2	,	,	PUNCT
cblr-14253	1011	3	state	state	NOUN
cblr-14253	1011	4	attorneys	attorney	NOUN
cblr-14253	1011	5	general	general	ADJ
cblr-14253	1011	6	,	,	PUNCT
cblr-14253	1011	7	insurance	insurance	NOUN
cblr-14253	1011	8	448	448	NUM
cblr-14253	1011	9	columbia	columbia	PROPN
cblr-14253	1011	10	business	business	NOUN
cblr-14253	1011	11	law	law	PROPN
cblr-14253	1011	12	review	review	NOUN
cblr-14253	1011	13	[	[	X
cblr-14253	1011	14	vol	vol	NOUN
cblr-14253	1011	15	.	.	PUNCT
cblr-14253	1011	16	2025	2025	NUM
cblr-14253	1011	17	commissioners	commissioner	NOUN
cblr-14253	1011	18	,	,	PUNCT
cblr-14253	1011	19	and	and	CCONJ
cblr-14253	1011	20	financial	financial	ADJ
cblr-14253	1011	21	-	-	PUNCT
cblr-14253	1011	22	services	service	NOUN
cblr-14253	1011	23	administrators	administrator	NOUN
cblr-14253	1011	24	should	should	AUX
cblr-14253	1011	25	also	also	ADV
cblr-14253	1011	26	act	act	VERB
cblr-14253	1011	27	more	more	ADV
cblr-14253	1011	28	assertively	assertively	ADV
cblr-14253	1011	29	to	to	PART
cblr-14253	1011	30	stop	stop	VERB
cblr-14253	1011	31	illegal	illegal	ADJ
cblr-14253	1011	32	real	real	ADJ
cblr-14253	1011	33	estate	estate	NOUN
cblr-14253	1011	34	-	-	PUNCT
cblr-14253	1011	35	settlement	settlement	NOUN
cblr-14253	1011	36	joint	joint	ADJ
cblr-14253	1011	37	ventures	venture	NOUN
cblr-14253	1011	38	within	within	ADP
cblr-14253	1011	39	their	their	PRON
cblr-14253	1011	40	jurisdictions	jurisdiction	NOUN
cblr-14253	1011	41	.	.	PUNCT
cblr-14253	1012	1	compliance	compliance	NOUN
cblr-14253	1012	2	counsel	counsel	NOUN
cblr-14253	1012	3	,	,	PUNCT
cblr-14253	1012	4	consumer	consumer	NOUN
cblr-14253	1012	5	plaintiffs	plaintiff	NOUN
cblr-14253	1012	6	’	'	PUNCT
cblr-14253	1012	7	attorneys	attorney	NOUN
cblr-14253	1012	8	,	,	PUNCT
cblr-14253	1012	9	and	and	CCONJ
cblr-14253	1012	10	courts	court	NOUN
cblr-14253	1012	11	all	all	PRON
cblr-14253	1012	12	have	have	VERB
cblr-14253	1012	13	a	a	DET
cblr-14253	1012	14	role	role	NOUN
cblr-14253	1012	15	to	to	PART
cblr-14253	1012	16	play	play	VERB
cblr-14253	1012	17	in	in	ADP
cblr-14253	1012	18	policing	police	VERB
cblr-14253	1012	19	corrupt	corrupt	ADJ
cblr-14253	1012	20	real	real	ADJ
cblr-14253	1012	21	-	-	PUNCT
cblr-14253	1012	22	estate	estate	NOUN
cblr-14253	1012	23	practices	practice	NOUN
cblr-14253	1012	24	.	.	PUNCT
cblr-14253	1013	1	congress	congress	PROPN
cblr-14253	1013	2	should	should	AUX
cblr-14253	1013	3	consider	consider	VERB
cblr-14253	1013	4	eliminating	eliminate	VERB
cblr-14253	1013	5	the	the	DET
cblr-14253	1013	6	affiliated	affiliate	VERB
cblr-14253	1013	7	-	-	PUNCT
cblr-14253	1013	8	business	business	NOUN
cblr-14253	1013	9	-	-	PUNCT
cblr-14253	1013	10	arrangement	arrangement	NOUN
cblr-14253	1013	11	exception	exception	NOUN
cblr-14253	1013	12	as	as	ADP
cblr-14253	1013	13	one	one	NUM
cblr-14253	1013	14	part	part	NOUN
cblr-14253	1013	15	of	of	ADP
cblr-14253	1013	16	a	a	DET
cblr-14253	1013	17	larger	large	ADJ
cblr-14253	1013	18	agenda	agenda	NOUN
cblr-14253	1013	19	to	to	PART
cblr-14253	1013	20	address	address	VERB
cblr-14253	1013	21	housing	housing	NOUN
cblr-14253	1013	22	affordability	affordability	NOUN
cblr-14253	1013	23	.	.	PUNCT
cblr-14253	1014	1	but	but	CCONJ
cblr-14253	1014	2	state	state	NOUN
cblr-14253	1014	3	legislatures	legislature	NOUN
cblr-14253	1014	4	need	need	AUX
cblr-14253	1014	5	not	not	PART
cblr-14253	1014	6	wait	wait	VERB
cblr-14253	1014	7	for	for	ADP
cblr-14253	1014	8	federal	federal	ADJ
cblr-14253	1014	9	action	action	NOUN
cblr-14253	1014	10	.	.	PUNCT
cblr-14253	1015	1	because	because	SCONJ
cblr-14253	1015	2	respa	respa	PROPN
cblr-14253	1015	3	explicitly	explicitly	ADV
cblr-14253	1015	4	authorizes	authorize	VERB
cblr-14253	1015	5	states	state	NOUN
cblr-14253	1015	6	to	to	PART
cblr-14253	1015	7	adopt	adopt	VERB
cblr-14253	1015	8	rules	rule	NOUN
cblr-14253	1015	9	that	that	PRON
cblr-14253	1015	10	are	be	AUX
cblr-14253	1015	11	more	more	ADV
cblr-14253	1015	12	protective	protective	ADJ
cblr-14253	1015	13	of	of	ADP
cblr-14253	1015	14	consumers	consumer	NOUN
cblr-14253	1015	15	and	and	CCONJ
cblr-14253	1015	16	competition	competition	NOUN
cblr-14253	1015	17	,	,	PUNCT
cblr-14253	1015	18	legislatures	legislature	NOUN
cblr-14253	1015	19	should	should	AUX
cblr-14253	1015	20	follow	follow	VERB
cblr-14253	1015	21	those	those	DET
cblr-14253	1015	22	jurisdictions	jurisdiction	NOUN
cblr-14253	1015	23	that	that	PRON
cblr-14253	1015	24	explicitly	explicitly	ADV
cblr-14253	1015	25	prohibit	prohibit	VERB
cblr-14253	1015	26	all	all	DET
cblr-14253	1015	27	kickback	kickback	NOUN
cblr-14253	1015	28	payments	payment	NOUN
cblr-14253	1015	29	in	in	ADP
cblr-14253	1015	30	residential	residential	ADJ
cblr-14253	1015	31	-	-	PUNCT
cblr-14253	1015	32	real	real	ADJ
cblr-14253	1015	33	-	-	PUNCT
cblr-14253	1015	34	estate	estate	NOUN
cblr-14253	1015	35	transactions	transaction	NOUN
cblr-14253	1015	36	.	.	PUNCT
cblr-14253	1016	1	no	no	INTJ
cblr-14253	1016	2	.	.	NOUN
cblr-14253	1017	1	1	1	NUM
cblr-14253	1017	2	]	]	PUNCT
cblr-14253	1017	3	corrupt	corrupt	ADJ
cblr-14253	1017	4	joint	joint	ADJ
cblr-14253	1017	5	ventures	venture	NOUN
cblr-14253	1017	6	449	449	NUM
cblr-14253	1017	7	viii	viii	ADJ
cblr-14253	1017	8	.	.	PUNCT
cblr-14253	1018	1	appendix	appendix	VERB
cblr-14253	1018	2	a.	a.	NOUN
cblr-14253	1018	3	title	title	PROPN
cblr-14253	1018	4	insurance	insurance	NOUN
cblr-14253	1018	5	joint	joint	ADJ
cblr-14253	1018	6	venture	venture	NOUN
cblr-14253	1018	7	pro	pro	X
cblr-14253	1018	8	forma	forma	NOUN