id	sid	tid	token	lemma	pos
cblr-14258	1	1	12	12	NUM
cblr-14258	1	2	.	.	PUNCT
cblr-14258	2	1	zang	zang	PROPN
cblr-14258	2	2	retroactive	retroactive	ADJ
cblr-14258	2	3	application	application	NOUN
cblr-14258	2	4	of	of	ADP
cblr-14258	2	5	the	the	DET
cblr-14258	2	6	new	new	PROPN
cblr-14258	2	7	york	york	PROPN
cblr-14258	2	8	foreclosure	foreclosure	PROPN
cblr-14258	2	9	abuse	abuse	PROPN
cblr-14258	2	10	prevention	prevention	NOUN
cblr-14258	2	11	act	act	NOUN
cblr-14258	2	12	note	note	VERB
cblr-14258	2	13	retroactive	retroactive	ADJ
cblr-14258	2	14	application	application	NOUN
cblr-14258	2	15	of	of	ADP
cblr-14258	2	16	the	the	DET
cblr-14258	2	17	new	new	PROPN
cblr-14258	2	18	york	york	PROPN
cblr-14258	2	19	foreclosure	foreclosure	PROPN
cblr-14258	2	20	abuse	abuse	PROPN
cblr-14258	2	21	prevention	prevention	PROPN
cblr-14258	2	22	act	act	PROPN
cblr-14258	2	23	yudu	yudu	PROPN
cblr-14258	2	24	zang	zang	PROPN
cblr-14258	2	25	*	*	PROPN
cblr-14258	2	26	at	at	ADP
cblr-14258	2	27	the	the	DET
cblr-14258	2	28	end	end	NOUN
cblr-14258	2	29	of	of	ADP
cblr-14258	2	30	2022	2022	NUM
cblr-14258	2	31	,	,	PUNCT
cblr-14258	2	32	the	the	DET
cblr-14258	2	33	new	new	PROPN
cblr-14258	2	34	york	york	PROPN
cblr-14258	2	35	state	state	PROPN
cblr-14258	2	36	legislature	legislature	NOUN
cblr-14258	2	37	enacted	enact	VERB
cblr-14258	2	38	the	the	DET
cblr-14258	2	39	foreclosure	foreclosure	NOUN
cblr-14258	2	40	abuse	abuse	NOUN
cblr-14258	2	41	prevention	prevention	NOUN
cblr-14258	2	42	act	act	PROPN
cblr-14258	2	43	(	(	PUNCT
cblr-14258	2	44	“	"	PUNCT
cblr-14258	2	45	fapa	fapa	NOUN
cblr-14258	2	46	”	"	PUNCT
cblr-14258	2	47	)	)	PUNCT
cblr-14258	2	48	.	.	PUNCT
cblr-14258	3	1	fapa	fapa	NOUN
cblr-14258	3	2	brought	bring	VERB
cblr-14258	3	3	several	several	ADJ
cblr-14258	3	4	significant	significant	ADJ
cblr-14258	3	5	changes	change	NOUN
cblr-14258	3	6	to	to	ADP
cblr-14258	3	7	the	the	DET
cblr-14258	3	8	then	then	ADV
cblr-14258	3	9	-	-	PUNCT
cblr-14258	3	10	current	current	ADJ
cblr-14258	3	11	statutes	statute	NOUN
cblr-14258	3	12	and	and	CCONJ
cblr-14258	3	13	legal	legal	ADJ
cblr-14258	3	14	rules	rule	NOUN
cblr-14258	3	15	concerning	concern	VERB
cblr-14258	3	16	a	a	DET
cblr-14258	3	17	mortgagee	mortgagee	NOUN
cblr-14258	3	18	’s	’s	PART
cblr-14258	3	19	ability	ability	NOUN
cblr-14258	3	20	to	to	PART
cblr-14258	3	21	toll	toll	VERB
cblr-14258	3	22	or	or	CCONJ
cblr-14258	3	23	reset	reset	VERB
cblr-14258	3	24	the	the	DET
cblr-14258	3	25	statute	statute	NOUN
cblr-14258	3	26	of	of	ADP
cblr-14258	3	27	limitations	limitation	NOUN
cblr-14258	3	28	of	of	ADP
cblr-14258	3	29	a	a	DET
cblr-14258	3	30	foreclosure	foreclosure	NOUN
cblr-14258	3	31	action	action	NOUN
cblr-14258	3	32	through	through	ADP
cblr-14258	3	33	voluntary	voluntary	ADJ
cblr-14258	3	34	discontinuance	discontinuance	NOUN
cblr-14258	3	35	.	.	PUNCT
cblr-14258	4	1	fapa	fapa	PROPN
cblr-14258	4	2	’s	’s	PART
cblr-14258	4	3	enactment	enactment	NOUN
cblr-14258	4	4	spurred	spur	VERB
cblr-14258	4	5	a	a	DET
cblr-14258	4	6	wave	wave	NOUN
cblr-14258	4	7	of	of	ADP
cblr-14258	4	8	litigation	litigation	NOUN
cblr-14258	4	9	,	,	PUNCT
cblr-14258	4	10	and	and	CCONJ
cblr-14258	4	11	the	the	DET
cblr-14258	4	12	disputes	dispute	NOUN
cblr-14258	4	13	focus	focus	VERB
cblr-14258	4	14	heavily	heavily	ADV
cblr-14258	4	15	on	on	ADP
cblr-14258	4	16	the	the	DET
cblr-14258	4	17	extent	extent	NOUN
cblr-14258	4	18	and	and	CCONJ
cblr-14258	4	19	validity	validity	NOUN
cblr-14258	4	20	of	of	ADP
cblr-14258	4	21	fapa	fapa	NOUN
cblr-14258	4	22	’s	’s	PART
cblr-14258	4	23	retroactive	retroactive	ADJ
cblr-14258	4	24	application	application	NOUN
cblr-14258	4	25	.	.	PUNCT
cblr-14258	5	1	however	however	ADV
cblr-14258	5	2	,	,	PUNCT
cblr-14258	5	3	the	the	DET
cblr-14258	5	4	lower	low	ADJ
cblr-14258	5	5	courts	court	NOUN
cblr-14258	5	6	in	in	ADP
cblr-14258	5	7	new	new	PROPN
cblr-14258	5	8	york	york	PROPN
cblr-14258	5	9	have	have	AUX
cblr-14258	5	10	issued	issue	VERB
cblr-14258	5	11	inconsistent	inconsistent	ADJ
cblr-14258	5	12	opinions	opinion	NOUN
cblr-14258	5	13	.	.	PUNCT
cblr-14258	6	1	given	give	VERB
cblr-14258	6	2	the	the	DET
cblr-14258	6	3	lack	lack	NOUN
cblr-14258	6	4	of	of	ADP
cblr-14258	6	5	scholarship	scholarship	NOUN
cblr-14258	6	6	and	and	CCONJ
cblr-14258	6	7	any	any	DET
cblr-14258	6	8	court	court	NOUN
cblr-14258	6	9	of	of	ADP
cblr-14258	6	10	appeals	appeal	NOUN
cblr-14258	6	11	decision	decision	NOUN
cblr-14258	6	12	,	,	PUNCT
cblr-14258	6	13	this	this	PRON
cblr-14258	6	14	note	note	NOUN
cblr-14258	6	15	ventures	venture	NOUN
cblr-14258	6	16	to	to	PART
cblr-14258	6	17	recommend	recommend	VERB
cblr-14258	6	18	better	well	ADJ
cblr-14258	6	19	solutions	solution	NOUN
cblr-14258	6	20	to	to	ADP
cblr-14258	6	21	the	the	DET
cblr-14258	6	22	legal	legal	ADJ
cblr-14258	6	23	questions	question	NOUN
cblr-14258	6	24	currently	currently	ADV
cblr-14258	6	25	in	in	ADP
cblr-14258	6	26	contention	contention	NOUN
cblr-14258	6	27	and	and	CCONJ
cblr-14258	6	28	provide	provide	VERB
cblr-14258	6	29	more	more	ADJ
cblr-14258	6	30	coherent	coherent	ADJ
cblr-14258	6	31	rules	rule	NOUN
cblr-14258	6	32	and	and	CCONJ
cblr-14258	6	33	standards	standard	NOUN
cblr-14258	6	34	for	for	ADP
cblr-14258	6	35	future	future	ADJ
cblr-14258	6	36	cases	case	NOUN
cblr-14258	6	37	.	.	PUNCT
cblr-14258	7	1	it	it	PRON
cblr-14258	7	2	argues	argue	VERB
cblr-14258	7	3	that	that	SCONJ
cblr-14258	7	4	fapa	fapa	NOUN
cblr-14258	7	5	’s	’s	PART
cblr-14258	7	6	urgent	urgent	ADJ
cblr-14258	7	7	remedial	remedial	ADJ
cblr-14258	7	8	goal	goal	NOUN
cblr-14258	7	9	lowers	lower	VERB
cblr-14258	7	10	the	the	DET
cblr-14258	7	11	hurdle	hurdle	NOUN
cblr-14258	7	12	to	to	PART
cblr-14258	7	13	overcome	overcome	VERB
cblr-14258	7	14	presumption	presumption	NOUN
cblr-14258	7	15	against	against	ADP
cblr-14258	7	16	retroactivity	retroactivity	NOUN
cblr-14258	7	17	under	under	ADP
cblr-14258	7	18	state	state	NOUN
cblr-14258	7	19	common	common	ADJ
cblr-14258	7	20	law	law	NOUN
cblr-14258	7	21	.	.	PUNCT
cblr-14258	8	1	it	it	PRON
cblr-14258	8	2	then	then	ADV
cblr-14258	8	3	distinguishes	distinguish	VERB
cblr-14258	8	4	,	,	PUNCT
cblr-14258	8	5	more	more	ADV
cblr-14258	8	6	clearly	clearly	ADV
cblr-14258	8	7	than	than	ADP
cblr-14258	8	8	the	the	DET
cblr-14258	8	9	current	current	ADJ
cblr-14258	8	10	fapa	fapa	NOUN
cblr-14258	8	11	case	case	NOUN
cblr-14258	8	12	law	law	NOUN
cblr-14258	8	13	,	,	PUNCT
cblr-14258	8	14	what	what	DET
cblr-14258	8	15	events	event	NOUN
cblr-14258	8	16	or	or	CCONJ
cblr-14258	8	17	prior	prior	ADJ
cblr-14258	8	18	court	court	NOUN
cblr-14258	8	19	decisions	decision	NOUN
cblr-14258	8	20	in	in	ADP
cblr-14258	8	21	a	a	DET
cblr-14258	8	22	foreclosure	foreclosure	NOUN
cblr-14258	8	23	action	action	NOUN
cblr-14258	8	24	should	should	AUX
cblr-14258	8	25	vest	vest	VERB
cblr-14258	8	26	within	within	ADP
cblr-14258	8	27	the	the	DET
cblr-14258	8	28	mortgagee	mortgagee	NOUN
cblr-14258	8	29	a	a	DET
cblr-14258	8	30	property	property	NOUN
cblr-14258	8	31	or	or	CCONJ
cblr-14258	8	32	due	due	ADJ
cblr-14258	8	33	process	process	NOUN
cblr-14258	8	34	right	right	ADV
cblr-14258	8	35	that	that	PRON
cblr-14258	8	36	can	can	AUX
cblr-14258	8	37	not	not	PART
cblr-14258	8	38	be	be	AUX
cblr-14258	8	39	violated	violate	VERB
cblr-14258	8	40	by	by	ADP
cblr-14258	8	41	retroactive	retroactive	ADJ
cblr-14258	8	42	application	application	NOUN
cblr-14258	8	43	.	.	PUNCT
cblr-14258	9	1	finally	finally	ADV
cblr-14258	9	2	,	,	PUNCT
cblr-14258	9	3	it	it	PRON
cblr-14258	9	4	notes	note	VERB
cblr-14258	9	5	that	that	SCONJ
cblr-14258	9	6	if	if	SCONJ
cblr-14258	9	7	fapa	fapa	NOUN
cblr-14258	9	8	’s	’s	PART
cblr-14258	9	9	retroactive	retroactive	ADJ
cblr-14258	9	10	application	application	NOUN
cblr-14258	9	11	substantially	substantially	ADV
cblr-14258	9	12	impairs	impair	VERB
cblr-14258	9	13	express	express	ADJ
cblr-14258	9	14	*	*	PUNCT
cblr-14258	9	15	j.d	j.d	PROPN
cblr-14258	9	16	.	.	PROPN
cblr-14258	9	17	candidate	candidate	NOUN
cblr-14258	9	18	2025	2025	NUM
cblr-14258	9	19	,	,	PUNCT
cblr-14258	9	20	columbia	columbia	PROPN
cblr-14258	9	21	law	law	PROPN
cblr-14258	9	22	school	school	NOUN
cblr-14258	9	23	;	;	PUNCT
cblr-14258	9	24	b.a	b.a	PROPN
cblr-14258	9	25	.	.	PROPN
cblr-14258	9	26	2021	2021	NUM
cblr-14258	9	27	,	,	PUNCT
cblr-14258	9	28	brown	brown	ADJ
cblr-14258	9	29	university	university	NOUN
cblr-14258	9	30	.	.	PUNCT
cblr-14258	10	1	i	i	PRON
cblr-14258	10	2	would	would	AUX
cblr-14258	10	3	like	like	VERB
cblr-14258	10	4	to	to	PART
cblr-14258	10	5	thank	thank	VERB
cblr-14258	10	6	my	my	PRON
cblr-14258	10	7	advisor	advisor	NOUN
cblr-14258	10	8	,	,	PUNCT
cblr-14258	10	9	professor	professor	PROPN
cblr-14258	10	10	edward	edward	PROPN
cblr-14258	10	11	r.	r.	PROPN
cblr-14258	10	12	morrison	morrison	PROPN
cblr-14258	10	13	,	,	PUNCT
cblr-14258	10	14	for	for	ADP
cblr-14258	10	15	supervising	supervise	VERB
cblr-14258	10	16	my	my	PRON
cblr-14258	10	17	work	work	NOUN
cblr-14258	10	18	with	with	ADP
cblr-14258	10	19	great	great	ADJ
cblr-14258	10	20	insight	insight	NOUN
cblr-14258	10	21	,	,	PUNCT
cblr-14258	10	22	as	as	ADV
cblr-14258	10	23	well	well	ADV
cblr-14258	10	24	as	as	ADP
cblr-14258	10	25	the	the	DET
cblr-14258	10	26	editorial	editorial	ADJ
cblr-14258	10	27	board	board	NOUN
cblr-14258	10	28	and	and	CCONJ
cblr-14258	10	29	staff	staff	NOUN
cblr-14258	10	30	of	of	ADP
cblr-14258	10	31	the	the	DET
cblr-14258	10	32	columbia	columbia	PROPN
cblr-14258	10	33	business	business	PROPN
cblr-14258	10	34	law	law	PROPN
cblr-14258	10	35	review	review	NOUN
cblr-14258	10	36	for	for	ADP
cblr-14258	10	37	their	their	PRON
cblr-14258	10	38	thorough	thorough	ADJ
cblr-14258	10	39	edits	edit	NOUN
cblr-14258	10	40	and	and	CCONJ
cblr-14258	10	41	feedback	feedback	NOUN
cblr-14258	10	42	.	.	PUNCT
cblr-14258	11	1	i	i	PRON
cblr-14258	11	2	am	be	AUX
cblr-14258	11	3	also	also	ADV
cblr-14258	11	4	forever	forever	ADV
cblr-14258	11	5	grateful	grateful	ADJ
cblr-14258	11	6	to	to	ADP
cblr-14258	11	7	my	my	PRON
cblr-14258	11	8	family	family	NOUN
cblr-14258	11	9	and	and	CCONJ
cblr-14258	11	10	my	my	PRON
cblr-14258	11	11	partner	partner	NOUN
cblr-14258	11	12	,	,	PUNCT
cblr-14258	11	13	renee	renee	PROPN
cblr-14258	11	14	,	,	PUNCT
cblr-14258	11	15	for	for	ADP
cblr-14258	11	16	their	their	PRON
cblr-14258	11	17	unwavering	unwavering	ADJ
cblr-14258	11	18	support	support	NOUN
cblr-14258	11	19	throughout	throughout	ADP
cblr-14258	11	20	my	my	PRON
cblr-14258	11	21	journey	journey	NOUN
cblr-14258	11	22	in	in	ADP
cblr-14258	11	23	law	law	NOUN
cblr-14258	11	24	school	school	NOUN
cblr-14258	11	25	and	and	CCONJ
cblr-14258	11	26	beyond	beyond	ADP
cblr-14258	11	27	.	.	PROPN
cblr-14258	11	28	616	616	NUM
cblr-14258	11	29	columbia	columbia	PROPN
cblr-14258	11	30	business	business	NOUN
cblr-14258	11	31	law	law	PROPN
cblr-14258	11	32	review	review	NOUN
cblr-14258	11	33	[	[	X
cblr-14258	11	34	vol	vol	NOUN
cblr-14258	11	35	.	.	PUNCT
cblr-14258	11	36	2025	2025	NUM
cblr-14258	11	37	contract	contract	NOUN
cblr-14258	11	38	terms	term	NOUN
cblr-14258	11	39	,	,	PUNCT
cblr-14258	11	40	it	it	PRON
cblr-14258	11	41	would	would	AUX
cblr-14258	11	42	violate	violate	VERB
cblr-14258	11	43	the	the	DET
cblr-14258	11	44	contract	contract	NOUN
cblr-14258	11	45	clause	clause	NOUN
cblr-14258	11	46	of	of	ADP
cblr-14258	11	47	the	the	DET
cblr-14258	11	48	constitution	constitution	NOUN
cblr-14258	11	49	,	,	PUNCT
cblr-14258	11	50	despite	despite	SCONJ
cblr-14258	11	51	the	the	DET
cblr-14258	11	52	exception	exception	NOUN
cblr-14258	11	53	elaborated	elaborate	VERB
cblr-14258	11	54	by	by	ADP
cblr-14258	11	55	the	the	DET
cblr-14258	11	56	second	second	ADJ
cblr-14258	11	57	circuit	circuit	NOUN
cblr-14258	11	58	.	.	PUNCT
cblr-14258	12	1	i.	i.	PROPN
cblr-14258	12	2	introduction	introduction	NOUN
cblr-14258	12	3	.........................................................	.........................................................	PUNCT
cblr-14258	12	4	616	616	NUM
cblr-14258	12	5	ii	ii	NOUN
cblr-14258	12	6	.	.	PUNCT
cblr-14258	12	7	case	case	NOUN
cblr-14258	12	8	law	law	NOUN
cblr-14258	12	9	on	on	ADP
cblr-14258	12	10	statutory	statutory	ADJ
cblr-14258	12	11	retroactivity	retroactivity	NOUN
cblr-14258	12	12	in	in	ADP
cblr-14258	12	13	new	new	PROPN
cblr-14258	12	14	york	york	PROPN
cblr-14258	12	15	and	and	CCONJ
cblr-14258	12	16	fapa	fapa	PROPN
cblr-14258	12	17	’s	’s	PART
cblr-14258	12	18	retroactive	retroactive	ADJ
cblr-14258	12	19	application	application	NOUN
cblr-14258	12	20	..................	..................	PUNCT
cblr-14258	13	1	621	621	NUM
cblr-14258	13	2	a.	a.	NOUN
cblr-14258	13	3	presumption	presumption	NOUN
cblr-14258	13	4	against	against	ADP
cblr-14258	13	5	retroactivity	retroactivity	NOUN
cblr-14258	13	6	.................	.................	PUNCT
cblr-14258	13	7	621	621	NUM
cblr-14258	13	8	b.	b.	NOUN
cblr-14258	13	9	the	the	DET
cblr-14258	13	10	matter	matter	NOUN
cblr-14258	13	11	of	of	ADP
cblr-14258	13	12	gleason	gleason	PROPN
cblr-14258	13	13	test	test	NOUN
cblr-14258	13	14	.............................	.............................	PUNCT
cblr-14258	14	1	624	624	NUM
cblr-14258	14	2	c.	c.	NOUN
cblr-14258	14	3	vested	vest	VERB
cblr-14258	14	4	rights	right	NOUN
cblr-14258	14	5	and	and	CCONJ
cblr-14258	14	6	constitutionality	constitutionality	NOUN
cblr-14258	14	7	...............	...............	PUNCT
cblr-14258	14	8	626	626	NUM
cblr-14258	14	9	i.	i.	NOUN
cblr-14258	14	10	vested	vest	VERB
cblr-14258	14	11	rights	right	NOUN
cblr-14258	14	12	granted	grant	VERB
cblr-14258	14	13	by	by	ADP
cblr-14258	14	14	prior	prior	ADJ
cblr-14258	14	15	court	court	NOUN
cblr-14258	14	16	decisions	decision	NOUN
cblr-14258	14	17	........................................................	........................................................	PUNCT
cblr-14258	14	18	627	627	NUM
cblr-14258	14	19	ii	ii	NOUN
cblr-14258	14	20	.	.	PUNCT
cblr-14258	15	1	vested	vest	VERB
cblr-14258	15	2	rights	right	NOUN
cblr-14258	15	3	granted	grant	VERB
cblr-14258	15	4	by	by	ADP
cblr-14258	15	5	reliance	reliance	NOUN
cblr-14258	15	6	on	on	ADP
cblr-14258	15	7	past	past	ADJ
cblr-14258	15	8	rulings	ruling	NOUN
cblr-14258	15	9	...........................................................	...........................................................	PUNCT
cblr-14258	15	10	630	630	NUM
cblr-14258	15	11	iii	iii	NOUN
cblr-14258	15	12	.	.	PUNCT
cblr-14258	15	13	vested	vested	ADJ
cblr-14258	15	14	rights	right	NOUN
cblr-14258	15	15	granted	grant	VERB
cblr-14258	15	16	by	by	ADP
cblr-14258	15	17	the	the	DET
cblr-14258	15	18	constitution	constitution	NOUN
cblr-14258	15	19	632	632	NUM
cblr-14258	15	20	d.	d.	PROPN
cblr-14258	15	21	federal	federal	PROPN
cblr-14258	15	22	court	court	PROPN
cblr-14258	15	23	cases	case	NOUN
cblr-14258	15	24	.........................................	.........................................	PUNCT
cblr-14258	15	25	636	636	NUM
cblr-14258	15	26	iii	iii	NOUN
cblr-14258	15	27	.	.	PUNCT
cblr-14258	16	1	resolution	resolution	NOUN
cblr-14258	16	2	of	of	ADP
cblr-14258	16	3	unsettled	unsettled	ADJ
cblr-14258	16	4	conflicts	conflict	NOUN
cblr-14258	16	5	and	and	CCONJ
cblr-14258	16	6	issues	issue	NOUN
cblr-14258	16	7	....	....	PUNCT
cblr-14258	17	1	638	638	NUM
cblr-14258	17	2	a.	a.	NOUN
cblr-14258	17	3	legislative	legislative	ADJ
cblr-14258	17	4	intent	intent	NOUN
cblr-14258	17	5	and	and	CCONJ
cblr-14258	17	6	passing	pass	VERB
cblr-14258	17	7	the	the	DET
cblr-14258	17	8	matter	matter	NOUN
cblr-14258	17	9	of	of	ADP
cblr-14258	17	10	gleason	gleason	PROPN
cblr-14258	17	11	test	test	PROPN
cblr-14258	17	12	.....................................................	.....................................................	PUNCT
cblr-14258	18	1	639	639	NUM
cblr-14258	18	2	b.	b.	PROPN
cblr-14258	18	3	vested	vest	VERB
cblr-14258	18	4	rights	right	NOUN
cblr-14258	18	5	and	and	CCONJ
cblr-14258	18	6	interests	interest	NOUN
cblr-14258	18	7	in	in	ADP
cblr-14258	18	8	relation	relation	NOUN
cblr-14258	18	9	to	to	ADP
cblr-14258	18	10	judgments	judgment	NOUN
cblr-14258	18	11	of	of	ADP
cblr-14258	18	12	foreclosure	foreclosure	NOUN
cblr-14258	18	13	and	and	CCONJ
cblr-14258	18	14	sale	sale	NOUN
cblr-14258	18	15	................	................	PUNCT
cblr-14258	18	16	644	644	NUM
cblr-14258	18	17	c.	c.	NOUN
cblr-14258	18	18	considerations	consideration	NOUN
cblr-14258	18	19	on	on	ADP
cblr-14258	18	20	contract	contract	NOUN
cblr-14258	18	21	right	right	ADJ
cblr-14258	18	22	violations	violation	NOUN
cblr-14258	18	23	.	.	PUNCT
cblr-14258	19	1	649	649	NUM
cblr-14258	19	2	iv	iv	NOUN
cblr-14258	19	3	.	.	PUNCT
cblr-14258	19	4	conclusion	conclusion	NOUN
cblr-14258	19	5	............................................................	............................................................	PUNCT
cblr-14258	19	6	652	652	NUM
cblr-14258	19	7	i.	i.	NOUN
cblr-14258	19	8	introduction	introduction	NOUN
cblr-14258	19	9	in	in	ADP
cblr-14258	19	10	new	new	PROPN
cblr-14258	19	11	york	york	PROPN
cblr-14258	19	12	,	,	PUNCT
cblr-14258	19	13	once	once	ADV
cblr-14258	19	14	a	a	DET
cblr-14258	19	15	lender	lender	NOUN
cblr-14258	19	16	makes	make	VERB
cblr-14258	19	17	the	the	DET
cblr-14258	19	18	decision	decision	NOUN
cblr-14258	19	19	to	to	PART
cblr-14258	19	20	exercise	exercise	VERB
cblr-14258	19	21	its	its	PRON
cblr-14258	19	22	right	right	NOUN
cblr-14258	19	23	to	to	PART
cblr-14258	19	24	accelerate	accelerate	VERB
cblr-14258	19	25	a	a	DET
cblr-14258	19	26	loan	loan	NOUN
cblr-14258	19	27	after	after	ADP
cblr-14258	19	28	the	the	DET
cblr-14258	19	29	borrower	borrower	NOUN
cblr-14258	19	30	’s	’s	PART
cblr-14258	19	31	default	default	NOUN
cblr-14258	19	32	,	,	PUNCT
cblr-14258	19	33	it	it	PRON
cblr-14258	19	34	has	have	VERB
cblr-14258	19	35	six	six	NUM
cblr-14258	19	36	years	year	NOUN
cblr-14258	19	37	to	to	PART
cblr-14258	19	38	initiate	initiate	VERB
cblr-14258	19	39	a	a	DET
cblr-14258	19	40	foreclosure	foreclosure	NOUN
cblr-14258	19	41	action	action	NOUN
cblr-14258	19	42	before	before	ADP
cblr-14258	19	43	losing	lose	VERB
cblr-14258	19	44	the	the	DET
cblr-14258	19	45	right	right	NOUN
cblr-14258	19	46	to	to	PART
cblr-14258	19	47	recover	recover	VERB
cblr-14258	19	48	the	the	DET
cblr-14258	19	49	debt	debt	NOUN
cblr-14258	19	50	in	in	ADP
cblr-14258	19	51	court.1	court.1	PROPN
cblr-14258	19	52	in	in	ADP
cblr-14258	19	53	addition	addition	NOUN
cblr-14258	19	54	,	,	PUNCT
cblr-14258	19	55	for	for	ADP
cblr-14258	19	56	more	more	ADJ
cblr-14258	19	57	than	than	ADP
cblr-14258	19	58	a	a	PRON
cblr-14258	19	59	century	century	NOUN
cblr-14258	19	60	,	,	PUNCT
cblr-14258	19	61	lenders	lender	NOUN
cblr-14258	19	62	in	in	ADP
cblr-14258	19	63	new	new	PROPN
cblr-14258	19	64	york	york	PROPN
cblr-14258	19	65	who	who	PRON
cblr-14258	19	66	invoke	invoke	VERB
cblr-14258	19	67	acceleration	acceleration	NOUN
cblr-14258	19	68	have	have	AUX
cblr-14258	19	69	had	have	VERB
cblr-14258	19	70	a	a	DET
cblr-14258	19	71	contractual	contractual	ADJ
cblr-14258	19	72	right	right	NOUN
cblr-14258	19	73	to	to	PART
cblr-14258	19	74	discontinue	discontinue	VERB
cblr-14258	19	75	a	a	DET
cblr-14258	19	76	foreclosure	foreclosure	NOUN
cblr-14258	19	77	action	action	NOUN
cblr-14258	19	78	and	and	CCONJ
cblr-14258	19	79	revoke	revoke	VERB
cblr-14258	19	80	the	the	DET
cblr-14258	19	81	acceleration	acceleration	NOUN
cblr-14258	19	82	by	by	ADP
cblr-14258	19	83	an	an	DET
cblr-14258	19	84	affirmative	affirmative	ADJ
cblr-14258	19	85	act	act	NOUN
cblr-14258	19	86	during	during	ADP
cblr-14258	19	87	the	the	DET
cblr-14258	19	88	sixyear	sixyear	NOUN
cblr-14258	19	89	statute	statute	NOUN
cblr-14258	19	90	of	of	ADP
cblr-14258	19	91	limitations	limitation	NOUN
cblr-14258	19	92	period	period	NOUN
cblr-14258	19	93	;	;	PUNCT
cblr-14258	19	94	an	an	DET
cblr-14258	19	95	acceleration	acceleration	NOUN
cblr-14258	19	96	would	would	AUX
cblr-14258	19	97	“	"	PUNCT
cblr-14258	19	98	‘	'	PUNCT
cblr-14258	19	99	become	become	VERB
cblr-14258	19	100	final	final	ADJ
cblr-14258	19	101	and	and	CCONJ
cblr-14258	19	102	irrevocable	irrevocable	ADJ
cblr-14258	19	103	’	'	PUNCT
cblr-14258	19	104	only	only	ADV
cblr-14258	19	105	after	after	SCONJ
cblr-14258	19	106	the	the	DET
cblr-14258	19	107	borrower	borrower	NOUN
cblr-14258	19	108	changed	change	VERB
cblr-14258	19	109	its	its	PRON
cblr-14258	19	110	position	position	NOUN
cblr-14258	19	111	in	in	ADP
cblr-14258	19	112	reliance	reliance	NOUN
cblr-14258	19	113	of	of	ADP
cblr-14258	19	114	that	that	DET
cblr-14258	19	115	election	election	NOUN
cblr-14258	19	116	by	by	ADP
cblr-14258	19	117	executing	execute	VERB
cblr-14258	19	118	a	a	DET
cblr-14258	19	119	1	1	NUM
cblr-14258	19	120	n.y	n.y	PROPN
cblr-14258	19	121	.	.	PROPN
cblr-14258	20	1	c.p.l.r	c.p.l.r	PROPN
cblr-14258	20	2	.	.	PROPN
cblr-14258	20	3	213	213	NUM
cblr-14258	20	4	(	(	PUNCT
cblr-14258	20	5	mckinney	mckinney	NOUN
cblr-14258	20	6	2022	2022	NUM
cblr-14258	20	7	)	)	PUNCT
cblr-14258	20	8	.	.	PUNCT
cblr-14258	21	1	no	no	INTJ
cblr-14258	21	2	.	.	NOUN
cblr-14258	21	3	1	1	NUM
cblr-14258	21	4	]	]	PUNCT
cblr-14258	21	5	retroactive	retroactive	ADJ
cblr-14258	21	6	application	application	NOUN
cblr-14258	21	7	of	of	ADP
cblr-14258	21	8	the	the	DET
cblr-14258	21	9	ny	ny	PROPN
cblr-14258	21	10	fapa	fapa	PROPN
cblr-14258	21	11	617	617	NUM
cblr-14258	21	12	new	new	ADJ
cblr-14258	21	13	mortgage	mortgage	NOUN
cblr-14258	21	14	.	.	PUNCT
cblr-14258	21	15	”2	”2	PUNCT
cblr-14258	22	1	the	the	DET
cblr-14258	22	2	effect	effect	NOUN
cblr-14258	22	3	of	of	ADP
cblr-14258	22	4	such	such	ADJ
cblr-14258	22	5	“	"	PUNCT
cblr-14258	22	6	act	act	NOUN
cblr-14258	22	7	of	of	ADP
cblr-14258	22	8	revocation	revocation	NOUN
cblr-14258	22	9	,	,	PUNCT
cblr-14258	22	10	”	"	PUNCT
cblr-14258	22	11	also	also	ADV
cblr-14258	22	12	known	know	VERB
cblr-14258	22	13	as	as	ADP
cblr-14258	22	14	de	de	NOUN
cblr-14258	22	15	-	-	NOUN
cblr-14258	22	16	acceleration	acceleration	NOUN
cblr-14258	22	17	,	,	PUNCT
cblr-14258	22	18	is	be	AUX
cblr-14258	22	19	“	"	PUNCT
cblr-14258	22	20	retur[ning	retur[ne	VERB
cblr-14258	22	21	]	]	PUNCT
cblr-14258	22	22	the	the	DET
cblr-14258	22	23	parties	party	NOUN
cblr-14258	22	24	to	to	ADP
cblr-14258	22	25	their	their	PRON
cblr-14258	22	26	pre	pre	ADJ
cblr-14258	22	27	-	-	ADJ
cblr-14258	22	28	acceleration	acceleration	ADJ
cblr-14258	22	29	rights	right	NOUN
cblr-14258	22	30	and	and	CCONJ
cblr-14258	22	31	obligations	obligation	NOUN
cblr-14258	22	32	,	,	PUNCT
cblr-14258	22	33	”	"	PUNCT
cblr-14258	22	34	and	and	CCONJ
cblr-14258	22	35	“	"	PUNCT
cblr-14258	22	36	removing	remove	VERB
cblr-14258	22	37	the	the	DET
cblr-14258	22	38	obligation	obligation	NOUN
cblr-14258	22	39	to	to	PART
cblr-14258	22	40	immediately	immediately	ADV
cblr-14258	22	41	repay	repay	VERB
cblr-14258	22	42	the	the	DET
cblr-14258	22	43	total	total	ADJ
cblr-14258	22	44	outstanding	outstanding	ADJ
cblr-14258	22	45	balance	balance	NOUN
cblr-14258	22	46	due	due	ADJ
cblr-14258	22	47	on	on	ADP
cblr-14258	22	48	the	the	DET
cblr-14258	22	49	loan	loan	NOUN
cblr-14258	22	50	,	,	PUNCT
cblr-14258	22	51	”	"	PUNCT
cblr-14258	22	52	thus	thus	ADV
cblr-14258	22	53	giving	give	VERB
cblr-14258	22	54	borrowers	borrower	NOUN
cblr-14258	22	55	“	"	PUNCT
cblr-14258	22	56	a	a	DET
cblr-14258	22	57	renewed	renew	VERB
cblr-14258	22	58	opportunity	opportunity	NOUN
cblr-14258	22	59	to	to	PART
cblr-14258	22	60	remain	remain	VERB
cblr-14258	22	61	in	in	ADP
cblr-14258	22	62	their	their	PRON
cblr-14258	22	63	homes	home	NOUN
cblr-14258	22	64	,	,	PUNCT
cblr-14258	22	65	despite	despite	SCONJ
cblr-14258	22	66	a	a	DET
cblr-14258	22	67	prior	prior	ADJ
cblr-14258	22	68	default	default	NOUN
cblr-14258	22	69	.	.	PUNCT
cblr-14258	22	70	”3	”3	PUNCT
cblr-14258	23	1	there	there	PRON
cblr-14258	23	2	are	be	VERB
cblr-14258	23	3	many	many	ADJ
cblr-14258	23	4	reasons	reason	NOUN
cblr-14258	23	5	why	why	SCONJ
cblr-14258	23	6	a	a	DET
cblr-14258	23	7	lender	lender	NOUN
cblr-14258	23	8	might	might	AUX
cblr-14258	23	9	want	want	VERB
cblr-14258	23	10	to	to	PART
cblr-14258	23	11	revoke	revoke	VERB
cblr-14258	23	12	a	a	DET
cblr-14258	23	13	foreclosure	foreclosure	NOUN
cblr-14258	23	14	action	action	NOUN
cblr-14258	23	15	,	,	PUNCT
cblr-14258	23	16	and	and	CCONJ
cblr-14258	23	17	such	such	ADJ
cblr-14258	23	18	voluntary	voluntary	ADJ
cblr-14258	23	19	discontinuance	discontinuance	NOUN
cblr-14258	23	20	can	can	AUX
cblr-14258	23	21	sometimes	sometimes	ADV
cblr-14258	23	22	benefit	benefit	VERB
cblr-14258	23	23	both	both	CCONJ
cblr-14258	23	24	the	the	DET
cblr-14258	23	25	lender	lender	NOUN
cblr-14258	23	26	and	and	CCONJ
cblr-14258	23	27	the	the	DET
cblr-14258	23	28	borrower	borrower	NOUN
cblr-14258	23	29	.	.	PUNCT
cblr-14258	24	1	for	for	ADP
cblr-14258	24	2	instance	instance	NOUN
cblr-14258	24	3	,	,	PUNCT
cblr-14258	24	4	a	a	DET
cblr-14258	24	5	borrower	borrower	NOUN
cblr-14258	24	6	and	and	CCONJ
cblr-14258	24	7	lender	lender	NOUN
cblr-14258	24	8	might	might	AUX
cblr-14258	24	9	be	be	AUX
cblr-14258	24	10	able	able	ADJ
cblr-14258	24	11	to	to	PART
cblr-14258	24	12	agree	agree	VERB
cblr-14258	24	13	on	on	ADP
cblr-14258	24	14	a	a	DET
cblr-14258	24	15	loss	loss	NOUN
cblr-14258	24	16	mitigation	mitigation	NOUN
cblr-14258	24	17	option	option	NOUN
cblr-14258	24	18	during	during	ADP
cblr-14258	24	19	the	the	DET
cblr-14258	24	20	pendency	pendency	NOUN
cblr-14258	24	21	of	of	ADP
cblr-14258	24	22	the	the	DET
cblr-14258	24	23	foreclosure	foreclosure	NOUN
cblr-14258	24	24	case	case	NOUN
cblr-14258	24	25	,	,	PUNCT
cblr-14258	24	26	and	and	CCONJ
cblr-14258	24	27	the	the	DET
cblr-14258	24	28	lender	lender	NOUN
cblr-14258	24	29	can	can	AUX
cblr-14258	24	30	then	then	ADV
cblr-14258	24	31	“	"	PUNCT
cblr-14258	24	32	de	de	NOUN
cblr-14258	24	33	-	-	NOUN
cblr-14258	24	34	accelerate	accelerate	NOUN
cblr-14258	24	35	”	"	PUNCT
cblr-14258	24	36	the	the	DET
cblr-14258	24	37	loan	loan	NOUN
cblr-14258	24	38	,	,	PUNCT
cblr-14258	24	39	giving	give	VERB
cblr-14258	24	40	the	the	DET
cblr-14258	24	41	borrower	borrower	NOUN
cblr-14258	24	42	another	another	DET
cblr-14258	24	43	chance	chance	NOUN
cblr-14258	24	44	to	to	PART
cblr-14258	24	45	resolve	resolve	VERB
cblr-14258	24	46	the	the	DET
cblr-14258	24	47	delinquency	delinquency	NOUN
cblr-14258	24	48	and	and	CCONJ
cblr-14258	24	49	stay	stay	VERB
cblr-14258	24	50	in	in	ADP
cblr-14258	24	51	their	their	PRON
cblr-14258	24	52	home.4	home.4	ADV
cblr-14258	24	53	however	however	ADV
cblr-14258	24	54	,	,	PUNCT
cblr-14258	24	55	a	a	DET
cblr-14258	24	56	less	less	ADV
cblr-14258	24	57	friendly	friendly	ADJ
cblr-14258	24	58	motivation	motivation	NOUN
cblr-14258	24	59	for	for	ADP
cblr-14258	24	60	voluntary	voluntary	ADJ
cblr-14258	24	61	discontinuance	discontinuance	NOUN
cblr-14258	24	62	is	be	AUX
cblr-14258	24	63	that	that	SCONJ
cblr-14258	24	64	the	the	DET
cblr-14258	24	65	lender	lender	NOUN
cblr-14258	24	66	may	may	AUX
cblr-14258	24	67	be	be	AUX
cblr-14258	24	68	able	able	ADJ
cblr-14258	24	69	to	to	PART
cblr-14258	24	70	effectively	effectively	ADV
cblr-14258	24	71	toll	toll	VERB
cblr-14258	24	72	or	or	CCONJ
cblr-14258	24	73	reset	reset	VERB
cblr-14258	24	74	the	the	DET
cblr-14258	24	75	six	six	NUM
cblr-14258	24	76	-	-	PUNCT
cblr-14258	24	77	year	year	NOUN
cblr-14258	24	78	statute	statute	NOUN
cblr-14258	24	79	of	of	ADP
cblr-14258	24	80	limitations	limitation	NOUN
cblr-14258	24	81	of	of	ADP
cblr-14258	24	82	a	a	DET
cblr-14258	24	83	foreclosure	foreclosure	NOUN
cblr-14258	24	84	action	action	NOUN
cblr-14258	24	85	if	if	SCONJ
cblr-14258	24	86	the	the	DET
cblr-14258	24	87	discontinuance	discontinuance	NOUN
cblr-14258	24	88	occurred	occur	VERB
cblr-14258	24	89	within	within	ADP
cblr-14258	24	90	that	that	DET
cblr-14258	24	91	period.5	period.5	PROPN
cblr-14258	24	92	in	in	ADP
cblr-14258	24	93	such	such	ADJ
cblr-14258	24	94	scenarios	scenario	NOUN
cblr-14258	24	95	,	,	PUNCT
cblr-14258	24	96	after	after	ADP
cblr-14258	24	97	conducting	conduct	VERB
cblr-14258	24	98	a	a	DET
cblr-14258	24	99	voluntary	voluntary	ADJ
cblr-14258	24	100	discontinuance	discontinuance	NOUN
cblr-14258	24	101	,	,	PUNCT
cblr-14258	24	102	a	a	DET
cblr-14258	24	103	lender	lender	NOUN
cblr-14258	24	104	would	would	AUX
cblr-14258	24	105	be	be	AUX
cblr-14258	24	106	able	able	ADJ
cblr-14258	24	107	to	to	PART
cblr-14258	24	108	recommence	recommence	VERB
cblr-14258	24	109	the	the	DET
cblr-14258	24	110	foreclosure	foreclosure	NOUN
cblr-14258	24	111	action	action	NOUN
cblr-14258	24	112	against	against	ADP
cblr-14258	24	113	the	the	DET
cblr-14258	24	114	borrower	borrower	NOUN
cblr-14258	24	115	more	more	ADJ
cblr-14258	24	116	than	than	ADP
cblr-14258	24	117	six	six	NUM
cblr-14258	24	118	years	year	NOUN
cblr-14258	24	119	after	after	ADP
cblr-14258	24	120	the	the	DET
cblr-14258	24	121	prior	prior	ADJ
cblr-14258	24	122	acceleration	acceleration	NOUN
cblr-14258	24	123	.	.	PUNCT
cblr-14258	25	1	the	the	DET
cblr-14258	25	2	mortgagees	mortgagee	NOUN
cblr-14258	25	3	’	’	PART
cblr-14258	25	4	contractual	contractual	ADJ
cblr-14258	25	5	right	right	NOUN
cblr-14258	25	6	to	to	PART
cblr-14258	25	7	revoke	revoke	VERB
cblr-14258	25	8	acceleration	acceleration	NOUN
cblr-14258	25	9	through	through	ADP
cblr-14258	25	10	voluntary	voluntary	ADJ
cblr-14258	25	11	discontinuance	discontinuance	NOUN
cblr-14258	25	12	was	be	AUX
cblr-14258	25	13	most	most	ADV
cblr-14258	25	14	recently	recently	ADV
cblr-14258	25	15	reaffirmed	reaffirm	VERB
cblr-14258	25	16	in	in	ADP
cblr-14258	25	17	2021	2021	NUM
cblr-14258	25	18	by	by	ADP
cblr-14258	25	19	the	the	DET
cblr-14258	25	20	new	new	PROPN
cblr-14258	25	21	york	york	PROPN
cblr-14258	25	22	court	court	PROPN
cblr-14258	25	23	of	of	ADP
cblr-14258	25	24	appeals	appeal	NOUN
cblr-14258	25	25	in	in	ADP
cblr-14258	25	26	2	2	NUM
cblr-14258	25	27	freedom	freedom	NOUN
cblr-14258	25	28	mortg	mortg	NOUN
cblr-14258	25	29	.	.	PUNCT
cblr-14258	26	1	corp	corp	PROPN
cblr-14258	26	2	.	.	PROPN
cblr-14258	26	3	v.	v.	PROPN
cblr-14258	26	4	engel	engel	PROPN
cblr-14258	26	5	,	,	PUNCT
cblr-14258	26	6	37	37	NUM
cblr-14258	26	7	n.y.3d	n.y.3d	SYM
cblr-14258	26	8	1	1	NUM
cblr-14258	26	9	,	,	PUNCT
cblr-14258	26	10	28	28	NUM
cblr-14258	26	11	(	(	PUNCT
cblr-14258	26	12	n.y	n.y	PROPN
cblr-14258	26	13	.	.	PROPN
cblr-14258	26	14	2021	2021	NUM
cblr-14258	26	15	)	)	PUNCT
cblr-14258	26	16	;	;	PUNCT
cblr-14258	26	17	see	see	VERB
cblr-14258	26	18	kilpatrick	kilpatrick	PROPN
cblr-14258	26	19	v.	v.	PROPN
cblr-14258	26	20	germania	germania	PROPN
cblr-14258	26	21	life	life	PROPN
cblr-14258	26	22	ins	ins	PROPN
cblr-14258	26	23	.	.	PUNCT
cblr-14258	26	24	co.	co.	PROPN
cblr-14258	26	25	,	,	PUNCT
cblr-14258	26	26	75	75	NUM
cblr-14258	26	27	n.e	n.e	PROPN
cblr-14258	26	28	.	.	PROPN
cblr-14258	26	29	1124	1124	NUM
cblr-14258	26	30	,	,	PUNCT
cblr-14258	26	31	1125	1125	NUM
cblr-14258	26	32	(	(	PUNCT
cblr-14258	26	33	n.y	n.y	PROPN
cblr-14258	26	34	.	.	PROPN
cblr-14258	26	35	1905	1905	NUM
cblr-14258	26	36	)	)	PUNCT
cblr-14258	26	37	;	;	PUNCT
cblr-14258	26	38	see	see	AUX
cblr-14258	26	39	also	also	ADV
cblr-14258	26	40	fed	feed	VERB
cblr-14258	26	41	.	.	PUNCT
cblr-14258	27	1	nat’l	nat’l	PROPN
cblr-14258	27	2	mortg	mortg	PROPN
cblr-14258	27	3	.	.	PUNCT
cblr-14258	28	1	ass’n	ass’n	PROPN
cblr-14258	28	2	v.	v.	CCONJ
cblr-14258	28	3	mebane	mebane	PROPN
cblr-14258	28	4	,	,	PUNCT
cblr-14258	28	5	618	618	NUM
cblr-14258	28	6	n.y.s.2d	n.y.s.2d	NUM
cblr-14258	28	7	88	88	NUM
cblr-14258	28	8	,	,	PUNCT
cblr-14258	28	9	89	89	NUM
cblr-14258	28	10	(	(	PUNCT
cblr-14258	28	11	n.y	n.y	PROPN
cblr-14258	28	12	.	.	PROPN
cblr-14258	28	13	app	app	PROPN
cblr-14258	28	14	.	.	PUNCT
cblr-14258	29	1	div	div	PROPN
cblr-14258	29	2	.	.	PUNCT
cblr-14258	29	3	2d	2d	NUM
cblr-14258	29	4	dep’t	dep’t	NOUN
cblr-14258	29	5	1994	1994	NUM
cblr-14258	29	6	)	)	PUNCT
cblr-14258	29	7	(	(	PUNCT
cblr-14258	29	8	citing	cite	VERB
cblr-14258	29	9	golden	golden	ADJ
cblr-14258	29	10	v.	v.	PROPN
cblr-14258	29	11	ramapo	ramapo	PROPN
cblr-14258	29	12	improvement	improvement	PROPN
cblr-14258	29	13	corp	corp	PROPN
cblr-14258	29	14	.	.	PROPN
cblr-14258	29	15	,	,	PUNCT
cblr-14258	29	16	432	432	NUM
cblr-14258	29	17	n.y.s.2d	n.y.s.2d	NUM
cblr-14258	29	18	238	238	NUM
cblr-14258	29	19	,	,	PUNCT
cblr-14258	29	20	241	241	NUM
cblr-14258	29	21	(	(	PUNCT
cblr-14258	29	22	n.y	n.y	PROPN
cblr-14258	29	23	.	.	PROPN
cblr-14258	29	24	app	app	PROPN
cblr-14258	29	25	.	.	PUNCT
cblr-14258	30	1	div	div	PROPN
cblr-14258	30	2	.	.	PUNCT
cblr-14258	30	3	2d	2d	PROPN
cblr-14258	30	4	dep’t	dep’t	NOUN
cblr-14258	30	5	1980	1980	NUM
cblr-14258	30	6	)	)	PUNCT
cblr-14258	30	7	)	)	PUNCT
cblr-14258	30	8	.	.	PUNCT
cblr-14258	31	1	3	3	NUM
cblr-14258	31	2	engel	engel	PROPN
cblr-14258	31	3	,	,	PUNCT
cblr-14258	31	4	37	37	NUM
cblr-14258	31	5	n.y.3d	n.y.3d	NOUN
cblr-14258	31	6	at	at	ADP
cblr-14258	31	7	28	28	NUM
cblr-14258	31	8	.	.	PUNCT
cblr-14258	31	9	4	4	NUM
cblr-14258	31	10	see	see	VERB
cblr-14258	31	11	krista	krista	PROPN
cblr-14258	31	12	cooley	cooley	PROPN
cblr-14258	31	13	&	&	CCONJ
cblr-14258	31	14	francis	francis	PROPN
cblr-14258	31	15	l.	l.	PROPN
cblr-14258	31	16	doorley	doorley	PROPN
cblr-14258	31	17	,	,	PUNCT
cblr-14258	31	18	the	the	DET
cblr-14258	31	19	past	past	NOUN
cblr-14258	31	20	is	be	AUX
cblr-14258	31	21	the	the	DET
cblr-14258	31	22	present	present	NOUN
cblr-14258	31	23	?	?	PUNCT
cblr-14258	32	1	new	new	PROPN
cblr-14258	32	2	york	york	PROPN
cblr-14258	32	3	legislature	legislature	NOUN
cblr-14258	32	4	passes	pass	VERB
cblr-14258	32	5	retroactive	retroactive	ADJ
cblr-14258	32	6	foreclosure	foreclosure	NOUN
cblr-14258	32	7	bill	bill	NOUN
cblr-14258	32	8	,	,	PUNCT
cblr-14258	32	9	mayer	mayer	PROPN
cblr-14258	32	10	brown	brown	PROPN
cblr-14258	32	11	(	(	PUNCT
cblr-14258	32	12	may	may	PROPN
cblr-14258	32	13	17	17	NUM
cblr-14258	32	14	,	,	PUNCT
cblr-14258	32	15	2022	2022	NUM
cblr-14258	32	16	)	)	PUNCT
cblr-14258	32	17	,	,	PUNCT
cblr-14258	32	18	https://www.mayerbrown.com/en/perspectives-events/publications/2022/05/the-pastis-the-present-new-york-legislature-passes-retroactive-foreclosure-bill	https://www.mayerbrown.com/en/perspectives-events/publications/2022/05/the-pastis-the-present-new-york-legislature-passes-retroactive-foreclosure-bill	X
cblr-14258	33	1	[	[	X
cblr-14258	33	2	https://perma.cc/wr9z-8d5u	https://perma.cc/wr9z-8d5u	X
cblr-14258	33	3	]	]	PUNCT
cblr-14258	33	4	.	.	PUNCT
cblr-14258	34	1	5	5	NUM
cblr-14258	34	2	see	see	VERB
cblr-14258	34	3	steve	steve	PROPN
cblr-14258	34	4	goode	goode	PROPN
cblr-14258	34	5	,	,	PUNCT
cblr-14258	34	6	n.y	n.y	PROPN
cblr-14258	34	7	.	.	PROPN
cblr-14258	34	8	senate	senate	PROPN
cblr-14258	34	9	passes	pass	VERB
cblr-14258	34	10	foreclosure	foreclosure	NOUN
cblr-14258	34	11	abuse	abuse	NOUN
cblr-14258	34	12	prevention	prevention	NOUN
cblr-14258	34	13	bill	bill	NOUN
cblr-14258	34	14	,	,	PUNCT
cblr-14258	34	15	nat’l	nat’l	NOUN
cblr-14258	34	16	mortg	mortg	NOUN
cblr-14258	34	17	.	.	PUNCT
cblr-14258	35	1	pro	pro	X
cblr-14258	35	2	.	.	PUNCT
cblr-14258	36	1	(	(	PUNCT
cblr-14258	36	2	may	may	PROPN
cblr-14258	36	3	4	4	NUM
cblr-14258	36	4	,	,	PUNCT
cblr-14258	36	5	2022	2022	NUM
cblr-14258	36	6	)	)	PUNCT
cblr-14258	36	7	,	,	PUNCT
cblr-14258	37	1	https://nationalmortgageprofessional.com/news/nysenate-passes-foreclosure-abuse-prevention-bill	https://nationalmortgageprofessional.com/news/nysenate-passes-foreclosure-abuse-prevention-bill	ADV
cblr-14258	37	2	[	[	X
cblr-14258	37	3	https://perma.cc/n4s2-ut8j	https://perma.cc/n4s2-ut8j	X
cblr-14258	37	4	]	]	PUNCT
cblr-14258	37	5	.	.	PUNCT
cblr-14258	38	1	618	618	NUM
cblr-14258	38	2	columbia	columbia	PROPN
cblr-14258	38	3	business	business	NOUN
cblr-14258	38	4	law	law	PROPN
cblr-14258	38	5	review	review	NOUN
cblr-14258	38	6	[	[	X
cblr-14258	38	7	vol	vol	NOUN
cblr-14258	38	8	.	.	PUNCT
cblr-14258	38	9	2025	2025	NUM
cblr-14258	38	10	freedom	freedom	PROPN
cblr-14258	38	11	mortgage	mortgage	PROPN
cblr-14258	38	12	corp	corp	PROPN
cblr-14258	38	13	.	.	PROPN
cblr-14258	39	1	v.	v.	ADP
cblr-14258	39	2	engel.6	engel.6	PROPN
cblr-14258	39	3	in	in	ADP
cblr-14258	39	4	engel	engel	PROPN
cblr-14258	40	1	,	,	PUNCT
cblr-14258	40	2	the	the	DET
cblr-14258	40	3	court	court	NOUN
cblr-14258	40	4	of	of	ADP
cblr-14258	40	5	appeals	appeals	PROPN
cblr-14258	40	6	clarified	clarify	VERB
cblr-14258	40	7	that	that	SCONJ
cblr-14258	40	8	when	when	SCONJ
cblr-14258	40	9	a	a	DET
cblr-14258	40	10	mortgage	mortgage	NOUN
cblr-14258	40	11	loan	loan	NOUN
cblr-14258	40	12	is	be	AUX
cblr-14258	40	13	accelerated	accelerate	VERB
cblr-14258	40	14	by	by	ADP
cblr-14258	40	15	the	the	DET
cblr-14258	40	16	commencement	commencement	NOUN
cblr-14258	40	17	of	of	ADP
cblr-14258	40	18	a	a	DET
cblr-14258	40	19	foreclosure	foreclosure	NOUN
cblr-14258	40	20	action	action	NOUN
cblr-14258	40	21	,	,	PUNCT
cblr-14258	40	22	the	the	DET
cblr-14258	40	23	mortgagee	mortgagee	NOUN
cblr-14258	40	24	’s	’s	PART
cblr-14258	40	25	“	"	PUNCT
cblr-14258	40	26	voluntary	voluntary	ADJ
cblr-14258	40	27	discontinuance	discontinuance	NOUN
cblr-14258	40	28	of	of	ADP
cblr-14258	40	29	that	that	DET
cblr-14258	40	30	action	action	NOUN
cblr-14258	40	31	.	.	PUNCT
cblr-14258	40	32	.	.	PUNCT
cblr-14258	41	1	.	.	PUNCT
cblr-14258	42	1	constitutes	constitute	VERB
cblr-14258	42	2	a	a	DET
cblr-14258	42	3	revocation	revocation	NOUN
cblr-14258	42	4	of	of	ADP
cblr-14258	42	5	that	that	DET
cblr-14258	42	6	acceleration	acceleration	NOUN
cblr-14258	42	7	.	.	PUNCT
cblr-14258	42	8	”7	”7	X
cblr-14258	43	1	furthermore	furthermore	ADV
cblr-14258	43	2	,	,	PUNCT
cblr-14258	43	3	such	such	ADJ
cblr-14258	43	4	revocation	revocation	NOUN
cblr-14258	43	5	,	,	PUNCT
cblr-14258	43	6	if	if	SCONJ
cblr-14258	43	7	conducted	conduct	VERB
cblr-14258	43	8	within	within	ADP
cblr-14258	43	9	the	the	DET
cblr-14258	43	10	six	six	NUM
cblr-14258	43	11	-	-	PUNCT
cblr-14258	43	12	year	year	NOUN
cblr-14258	43	13	statute	statute	NOUN
cblr-14258	43	14	of	of	ADP
cblr-14258	43	15	limitations	limitation	NOUN
cblr-14258	43	16	period	period	NOUN
cblr-14258	43	17	,	,	PUNCT
cblr-14258	43	18	would	would	AUX
cblr-14258	43	19	in	in	ADP
cblr-14258	43	20	effect	effect	NOUN
cblr-14258	43	21	reset	reset	VERB
cblr-14258	43	22	the	the	DET
cblr-14258	43	23	statute	statute	NOUN
cblr-14258	43	24	of	of	ADP
cblr-14258	43	25	limitations	limitation	NOUN
cblr-14258	43	26	period	period	NOUN
cblr-14258	43	27	for	for	ADP
cblr-14258	43	28	a	a	DET
cblr-14258	43	29	foreclosure	foreclosure	NOUN
cblr-14258	43	30	claim	claim	NOUN
cblr-14258	43	31	until	until	ADP
cblr-14258	43	32	the	the	DET
cblr-14258	43	33	next	next	ADJ
cblr-14258	43	34	acceleration	acceleration	NOUN
cblr-14258	43	35	,	,	PUNCT
cblr-14258	43	36	rendering	render	VERB
cblr-14258	43	37	a	a	DET
cblr-14258	43	38	new	new	ADJ
cblr-14258	43	39	foreclosure	foreclosure	NOUN
cblr-14258	43	40	action	action	NOUN
cblr-14258	43	41	within	within	ADP
cblr-14258	43	42	six	six	NUM
cblr-14258	43	43	years	year	NOUN
cblr-14258	43	44	of	of	ADP
cblr-14258	43	45	a	a	DET
cblr-14258	43	46	subsequent	subsequent	ADJ
cblr-14258	43	47	acceleration	acceleration	NOUN
cblr-14258	43	48	valid	valid	ADJ
cblr-14258	43	49	and	and	CCONJ
cblr-14258	43	50	not	not	PART
cblr-14258	43	51	time	time	NOUN
cblr-14258	43	52	-	-	PUNCT
cblr-14258	43	53	barred.8	barred.8	PROPN
cblr-14258	43	54	on	on	ADP
cblr-14258	43	55	december	december	PROPN
cblr-14258	43	56	30	30	NUM
cblr-14258	43	57	,	,	PUNCT
cblr-14258	43	58	2022	2022	NUM
cblr-14258	43	59	,	,	PUNCT
cblr-14258	43	60	new	new	PROPN
cblr-14258	43	61	york	york	PROPN
cblr-14258	43	62	state	state	PROPN
cblr-14258	43	63	senate	senate	PROPN
cblr-14258	43	64	bill	bill	PROPN
cblr-14258	43	65	s5473d	s5473d	PROPN
cblr-14258	43	66	,	,	PUNCT
cblr-14258	43	67	also	also	ADV
cblr-14258	43	68	known	know	VERB
cblr-14258	43	69	as	as	ADP
cblr-14258	43	70	the	the	DET
cblr-14258	43	71	foreclosure	foreclosure	NOUN
cblr-14258	43	72	abuse	abuse	NOUN
cblr-14258	43	73	prevention	prevention	NOUN
cblr-14258	43	74	act	act	PROPN
cblr-14258	43	75	(	(	PUNCT
cblr-14258	43	76	“	"	PUNCT
cblr-14258	43	77	fapa	fapa	NOUN
cblr-14258	43	78	”	"	PUNCT
cblr-14258	43	79	)	)	PUNCT
cblr-14258	43	80	,	,	PUNCT
cblr-14258	43	81	went	go	VERB
cblr-14258	43	82	into	into	ADP
cblr-14258	43	83	effect	effect	NOUN
cblr-14258	43	84	.	.	PUNCT
cblr-14258	44	1	fapa	fapa	NOUN
cblr-14258	44	2	brought	bring	VERB
cblr-14258	44	3	several	several	ADJ
cblr-14258	44	4	significant	significant	ADJ
cblr-14258	44	5	changes	change	NOUN
cblr-14258	44	6	to	to	ADP
cblr-14258	44	7	the	the	DET
cblr-14258	44	8	then	then	ADV
cblr-14258	44	9	-	-	PUNCT
cblr-14258	44	10	current	current	ADJ
cblr-14258	44	11	statutes	statute	NOUN
cblr-14258	44	12	and	and	CCONJ
cblr-14258	44	13	aforementioned	aforementione	VERB
cblr-14258	44	14	legal	legal	ADJ
cblr-14258	44	15	rules	rule	NOUN
cblr-14258	44	16	concerning	concern	VERB
cblr-14258	44	17	foreclosure	foreclosure	NOUN
cblr-14258	44	18	actions	action	NOUN
cblr-14258	44	19	.	.	PUNCT
cblr-14258	45	1	subdivisions	subdivision	NOUN
cblr-14258	45	2	(	(	PUNCT
cblr-14258	45	3	4	4	NUM
cblr-14258	45	4	)	)	PUNCT
cblr-14258	45	5	and	and	CCONJ
cblr-14258	45	6	(	(	PUNCT
cblr-14258	45	7	5	5	NUM
cblr-14258	45	8	)	)	PUNCT
cblr-14258	45	9	of	of	ADP
cblr-14258	45	10	general	general	ADJ
cblr-14258	45	11	obligations	obligation	NOUN
cblr-14258	45	12	law	law	NOUN
cblr-14258	45	13	section	section	NOUN
cblr-14258	45	14	17	17	NUM
cblr-14258	45	15	-	-	SYM
cblr-14258	45	16	105	105	NUM
cblr-14258	45	17	were	be	AUX
cblr-14258	45	18	amended	amend	VERB
cblr-14258	45	19	as	as	SCONJ
cblr-14258	45	20	follows	follow	VERB
cblr-14258	45	21	:	:	PUNCT
cblr-14258	45	22	[	[	X
cblr-14258	45	23	t]o	t]o	NOUN
cblr-14258	45	24	clarify	clarify	VERB
cblr-14258	45	25	that	that	SCONJ
cblr-14258	45	26	these	these	DET
cblr-14258	45	27	subdivisions	subdivision	NOUN
cblr-14258	45	28	represent	represent	VERB
cblr-14258	45	29	the	the	DET
cblr-14258	45	30	exclusive	exclusive	ADJ
cblr-14258	45	31	means	mean	NOUN
cblr-14258	45	32	by	by	ADP
cblr-14258	45	33	which	which	PRON
cblr-14258	45	34	parties	party	NOUN
cblr-14258	45	35	are	be	AUX
cblr-14258	45	36	enabled	enable	VERB
cblr-14258	45	37	to	to	PART
cblr-14258	45	38	effectuate	effectuate	VERB
cblr-14258	45	39	a	a	DET
cblr-14258	45	40	waiver	waiver	NOUN
cblr-14258	45	41	,	,	PUNCT
cblr-14258	45	42	postponement	postponement	NOUN
cblr-14258	45	43	,	,	PUNCT
cblr-14258	45	44	cancellation	cancellation	NOUN
cblr-14258	45	45	,	,	PUNCT
cblr-14258	45	46	resetting	resetting	NOUN
cblr-14258	45	47	,	,	PUNCT
cblr-14258	45	48	tolling	tolling	NOUN
cblr-14258	45	49	,	,	PUNCT
cblr-14258	45	50	revival	revival	NOUN
cblr-14258	45	51	or	or	CCONJ
cblr-14258	45	52	extension	extension	NOUN
cblr-14258	45	53	of	of	ADP
cblr-14258	45	54	time	time	NOUN
cblr-14258	45	55	limited	limit	VERB
cblr-14258	45	56	by	by	ADP
cblr-14258	45	57	statute	statute	NOUN
cblr-14258	45	58	for	for	ADP
cblr-14258	45	59	commencement	commencement	NOUN
cblr-14258	45	60	of	of	ADP
cblr-14258	45	61	an	an	DET
cblr-14258	45	62	action	action	NOUN
cblr-14258	45	63	or	or	CCONJ
cblr-14258	45	64	proceeding	proceeding	NOUN
cblr-14258	45	65	and	and	CCONJ
cblr-14258	45	66	interposition	interposition	NOUN
cblr-14258	45	67	of	of	ADP
cblr-14258	45	68	a	a	DET
cblr-14258	45	69	claim	claim	NOUN
cblr-14258	45	70	to	to	PART
cblr-14258	45	71	foreclose	foreclose	VERB
cblr-14258	45	72	a	a	DET
cblr-14258	45	73	mortgage.9	mortgage.9	NOUN
cblr-14258	45	74	a	a	DET
cblr-14258	45	75	new	new	ADJ
cblr-14258	45	76	subdivision	subdivision	NOUN
cblr-14258	45	77	(	(	PUNCT
cblr-14258	45	78	h	h	NOUN
cblr-14258	45	79	)	)	PUNCT
cblr-14258	45	80	was	be	AUX
cblr-14258	45	81	added	add	VERB
cblr-14258	45	82	to	to	ADP
cblr-14258	45	83	the	the	DET
cblr-14258	45	84	new	new	PROPN
cblr-14258	45	85	york	york	PROPN
cblr-14258	45	86	civil	civil	ADJ
cblr-14258	45	87	practice	practice	NOUN
cblr-14258	45	88	law	law	NOUN
cblr-14258	45	89	and	and	CCONJ
cblr-14258	45	90	rules	rule	NOUN
cblr-14258	45	91	(	(	PUNCT
cblr-14258	45	92	“	"	PUNCT
cblr-14258	45	93	cplr	cplr	NOUN
cblr-14258	45	94	”	"	PUNCT
cblr-14258	45	95	)	)	PUNCT
cblr-14258	45	96	section	section	NOUN
cblr-14258	45	97	203	203	NUM
cblr-14258	45	98	,	,	PUNCT
cblr-14258	45	99	providing	provide	VERB
cblr-14258	45	100	that	that	SCONJ
cblr-14258	45	101	:	:	PUNCT
cblr-14258	46	1	[	[	X
cblr-14258	46	2	o]nce	o]nce	NOUN
cblr-14258	46	3	a	a	DET
cblr-14258	46	4	cause	cause	NOUN
cblr-14258	46	5	of	of	ADP
cblr-14258	46	6	action	action	NOUN
cblr-14258	46	7	.	.	PUNCT
cblr-14258	46	8	.	.	PUNCT
cblr-14258	46	9	.	.	PUNCT
cblr-14258	47	1	has	have	AUX
cblr-14258	47	2	accrued	accrue	VERB
cblr-14258	47	3	,	,	PUNCT
cblr-14258	47	4	no	no	DET
cblr-14258	47	5	party	party	NOUN
cblr-14258	47	6	may	may	AUX
cblr-14258	47	7	,	,	PUNCT
cblr-14258	47	8	in	in	ADP
cblr-14258	47	9	form	form	NOUN
cblr-14258	47	10	or	or	CCONJ
cblr-14258	47	11	effect	effect	NOUN
cblr-14258	47	12	,	,	PUNCT
cblr-14258	47	13	unilaterally	unilaterally	ADV
cblr-14258	47	14	‘	'	PUNCT
cblr-14258	47	15	de	de	X
cblr-14258	47	16	-	-	NOUN
cblr-14258	47	17	accrue	accrue	ADJ
cblr-14258	47	18	’	'	PUNCT
cblr-14258	47	19	the	the	DET
cblr-14258	47	20	cause	cause	NOUN
cblr-14258	47	21	of	of	ADP
cblr-14258	47	22	action	action	NOUN
cblr-14258	47	23	or	or	CCONJ
cblr-14258	47	24	otherwise	otherwise	ADV
cblr-14258	47	25	effectuate	effectuate	VERB
cblr-14258	47	26	a	a	DET
cblr-14258	47	27	unilateral	unilateral	ADJ
cblr-14258	47	28	extension	extension	NOUN
cblr-14258	47	29	of	of	ADP
cblr-14258	47	30	the	the	DET
cblr-14258	47	31	limitations	limitation	NOUN
cblr-14258	47	32	period	period	NOUN
cblr-14258	47	33	prescribed	prescribe	VERB
cblr-14258	47	34	by	by	ADP
cblr-14258	47	35	statute	statute	NOUN
cblr-14258	47	36	to	to	ADP
cblr-14258	47	37	6	6	NUM
cblr-14258	47	38	engel	engel	PROPN
cblr-14258	47	39	,	,	PUNCT
cblr-14258	47	40	37	37	NUM
cblr-14258	47	41	n.y.3d	n.y.3d	NOUN
cblr-14258	47	42	at	at	ADP
cblr-14258	47	43	1–2	1–2	NUM
cblr-14258	47	44	.	.	PUNCT
cblr-14258	47	45	7	7	NUM
cblr-14258	48	1	i	i	PRON
cblr-14258	48	2	d.	d.	PROPN
cblr-14258	48	3	at	at	ADP
cblr-14258	48	4	31–32	31–32	NUM
cblr-14258	48	5	.	.	NOUN
cblr-14258	48	6	8	8	NUM
cblr-14258	49	1	i	i	PRON
cblr-14258	49	2	d.	d.	NOUN
cblr-14258	49	3	at	at	ADP
cblr-14258	49	4	34	34	NUM
cblr-14258	49	5	(	(	PUNCT
cblr-14258	49	6	holding	hold	VERB
cblr-14258	49	7	that	that	PRON
cblr-14258	49	8	since	since	SCONJ
cblr-14258	49	9	a	a	DET
cblr-14258	49	10	prior	prior	ADJ
cblr-14258	49	11	election	election	NOUN
cblr-14258	49	12	to	to	PART
cblr-14258	49	13	accelerate	accelerate	VERB
cblr-14258	49	14	was	be	AUX
cblr-14258	49	15	revoked	revoke	VERB
cblr-14258	49	16	,	,	PUNCT
cblr-14258	49	17	and	and	CCONJ
cblr-14258	49	18	the	the	DET
cblr-14258	49	19	present	present	ADJ
cblr-14258	49	20	action	action	NOUN
cblr-14258	49	21	was	be	AUX
cblr-14258	49	22	commenced	commence	VERB
cblr-14258	49	23	within	within	ADP
cblr-14258	49	24	six	six	NUM
cblr-14258	49	25	years	year	NOUN
cblr-14258	49	26	of	of	ADP
cblr-14258	49	27	a	a	DET
cblr-14258	49	28	subsequent	subsequent	ADJ
cblr-14258	49	29	acceleration	acceleration	NOUN
cblr-14258	49	30	,	,	PUNCT
cblr-14258	49	31	the	the	DET
cblr-14258	49	32	appellate	appellate	ADJ
cblr-14258	49	33	division	division	NOUN
cblr-14258	49	34	erred	err	VERB
cblr-14258	49	35	in	in	ADP
cblr-14258	49	36	granting	grant	VERB
cblr-14258	49	37	the	the	DET
cblr-14258	49	38	borrower	borrower	NOUN
cblr-14258	49	39	’s	’s	PART
cblr-14258	49	40	motion	motion	NOUN
cblr-14258	49	41	to	to	PART
cblr-14258	49	42	dismiss	dismiss	VERB
cblr-14258	49	43	the	the	DET
cblr-14258	49	44	present	present	ADJ
cblr-14258	49	45	action	action	NOUN
cblr-14258	49	46	on	on	ADP
cblr-14258	49	47	statute	statute	NOUN
cblr-14258	49	48	of	of	ADP
cblr-14258	49	49	limitations	limitation	NOUN
cblr-14258	49	50	grounds	ground	NOUN
cblr-14258	49	51	)	)	PUNCT
cblr-14258	49	52	.	.	PUNCT
cblr-14258	50	1	9	9	NUM
cblr-14258	50	2	n.y	n.y	PROPN
cblr-14258	50	3	.	.	PUNCT
cblr-14258	50	4	gen	gen	PROPN
cblr-14258	50	5	.	.	PROPN
cblr-14258	50	6	oblig	oblig	PROPN
cblr-14258	50	7	.	.	PUNCT
cblr-14258	51	1	law	law	NOUN
cblr-14258	51	2	§	§	PROPN
cblr-14258	51	3	17	17	NUM
cblr-14258	51	4	-	-	SYM
cblr-14258	51	5	105	105	NUM
cblr-14258	51	6	(	(	PUNCT
cblr-14258	51	7	mckinney	mckinney	NOUN
cblr-14258	51	8	2022	2022	NUM
cblr-14258	51	9	)	)	PUNCT
cblr-14258	51	10	;	;	PUNCT
cblr-14258	51	11	s.b	s.b	PROPN
cblr-14258	51	12	.	.	PROPN
cblr-14258	51	13	s5473d	s5473d	PROPN
cblr-14258	51	14	§	§	PROPN
cblr-14258	51	15	3	3	NUM
cblr-14258	51	16	(	(	PUNCT
cblr-14258	51	17	n.y	n.y	PROPN
cblr-14258	51	18	.	.	PROPN
cblr-14258	51	19	2021	2021	NUM
cblr-14258	51	20	)	)	PUNCT
cblr-14258	51	21	.	.	PUNCT
cblr-14258	52	1	no	no	INTJ
cblr-14258	52	2	.	.	NOUN
cblr-14258	52	3	1	1	NUM
cblr-14258	52	4	]	]	PUNCT
cblr-14258	52	5	retroactive	retroactive	ADJ
cblr-14258	52	6	application	application	NOUN
cblr-14258	52	7	of	of	ADP
cblr-14258	52	8	the	the	DET
cblr-14258	52	9	ny	ny	PROPN
cblr-14258	52	10	fapa	fapa	PROPN
cblr-14258	52	11	619	619	NUM
cblr-14258	52	12	commence	commence	VERB
cblr-14258	52	13	an	an	DET
cblr-14258	52	14	action	action	NOUN
cblr-14258	52	15	and	and	CCONJ
cblr-14258	52	16	to	to	PART
cblr-14258	52	17	interpose	interpose	VERB
cblr-14258	52	18	the	the	DET
cblr-14258	52	19	claim	claim	NOUN
cblr-14258	52	20	,	,	PUNCT
cblr-14258	52	21	unless	unless	SCONJ
cblr-14258	52	22	expressly	expressly	ADV
cblr-14258	52	23	prescribed	prescribe	VERB
cblr-14258	52	24	by	by	ADP
cblr-14258	52	25	statute.10	statute.10	NOUN
cblr-14258	52	26	and	and	CCONJ
cblr-14258	52	27	most	most	ADV
cblr-14258	52	28	importantly	importantly	ADV
cblr-14258	52	29	,	,	PUNCT
cblr-14258	52	30	fapa	fapa	NOUN
cblr-14258	52	31	amended	amend	VERB
cblr-14258	52	32	cplr	cplr	NOUN
cblr-14258	52	33	section	section	NOUN
cblr-14258	52	34	3217	3217	NUM
cblr-14258	52	35	by	by	ADP
cblr-14258	52	36	adding	add	VERB
cblr-14258	52	37	a	a	DET
cblr-14258	52	38	new	new	ADJ
cblr-14258	52	39	subdivision	subdivision	NOUN
cblr-14258	52	40	(	(	PUNCT
cblr-14258	52	41	e	e	NOUN
cblr-14258	52	42	):	):	PUNCT
cblr-14258	52	43	[	[	X
cblr-14258	52	44	to	to	PART
cblr-14258	52	45	]	]	PART
cblr-14258	52	46	clarify	clarify	VERB
cblr-14258	52	47	that	that	SCONJ
cblr-14258	52	48	the	the	DET
cblr-14258	52	49	voluntary	voluntary	ADJ
cblr-14258	52	50	dismissal	dismissal	NOUN
cblr-14258	52	51	or	or	CCONJ
cblr-14258	52	52	discontinuance	discontinuance	NOUN
cblr-14258	52	53	of	of	ADP
cblr-14258	52	54	any	any	DET
cblr-14258	52	55	action	action	NOUN
cblr-14258	52	56	upon	upon	SCONJ
cblr-14258	52	57	an	an	DET
cblr-14258	52	58	instrument	instrument	NOUN
cblr-14258	52	59	described	describe	VERB
cblr-14258	52	60	in	in	ADP
cblr-14258	52	61	cplr	cplr	NOUN
cblr-14258	52	62	213	213	NUM
cblr-14258	52	63	(	(	PUNCT
cblr-14258	52	64	4	4	NUM
cblr-14258	52	65	)	)	PUNCT
cblr-14258	52	66	,	,	PUNCT
cblr-14258	52	67	including	include	VERB
cblr-14258	52	68	an	an	DET
cblr-14258	52	69	action	action	NOUN
cblr-14258	52	70	to	to	PART
cblr-14258	52	71	foreclose	foreclose	VERB
cblr-14258	52	72	a	a	DET
cblr-14258	52	73	mortgage	mortgage	NOUN
cblr-14258	52	74	,	,	PUNCT
cblr-14258	52	75	by	by	ADP
cblr-14258	52	76	any	any	DET
cblr-14258	52	77	means	mean	NOUN
cblr-14258	52	78	,	,	PUNCT
cblr-14258	52	79	shall	shall	AUX
cblr-14258	52	80	not	not	PART
cblr-14258	52	81	,	,	PUNCT
cblr-14258	52	82	in	in	ADP
cblr-14258	52	83	form	form	NOUN
cblr-14258	52	84	or	or	CCONJ
cblr-14258	52	85	effect	effect	NOUN
cblr-14258	52	86	,	,	PUNCT
cblr-14258	52	87	waive	waive	ADJ
cblr-14258	52	88	,	,	PUNCT
cblr-14258	52	89	postpone	postpone	NOUN
cblr-14258	52	90	,	,	PUNCT
cblr-14258	52	91	cancel	cancel	VERB
cblr-14258	52	92	,	,	PUNCT
cblr-14258	52	93	toll	toll	NOUN
cblr-14258	52	94	,	,	PUNCT
cblr-14258	52	95	extend	extend	VERB
cblr-14258	52	96	,	,	PUNCT
cblr-14258	52	97	revive	revive	VERB
cblr-14258	52	98	,	,	PUNCT
cblr-14258	52	99	or	or	CCONJ
cblr-14258	52	100	reset	reset	VERB
cblr-14258	52	101	the	the	DET
cblr-14258	52	102	applicable	applicable	ADJ
cblr-14258	52	103	limitations	limitation	NOUN
cblr-14258	52	104	period	period	NOUN
cblr-14258	52	105	,	,	PUNCT
cblr-14258	52	106	or	or	CCONJ
cblr-14258	52	107	the	the	DET
cblr-14258	52	108	expiration	expiration	NOUN
cblr-14258	52	109	thereof	thereof	ADV
cblr-14258	52	110	,	,	PUNCT
cblr-14258	52	111	unless	unless	SCONJ
cblr-14258	52	112	expressly	expressly	ADV
cblr-14258	52	113	prescribed	prescribe	VERB
cblr-14258	52	114	by	by	ADP
cblr-14258	52	115	statute	statute	PROPN
cblr-14258	52	116	.	.	PUNCT
cblr-14258	53	1	once	once	ADV
cblr-14258	53	2	a	a	DET
cblr-14258	53	3	cause	cause	NOUN
cblr-14258	53	4	of	of	ADP
cblr-14258	53	5	action	action	NOUN
cblr-14258	53	6	has	have	AUX
cblr-14258	53	7	accrued	accrue	VERB
cblr-14258	53	8	,	,	PUNCT
cblr-14258	53	9	cplr	cplr	NOUN
cblr-14258	53	10	3217	3217	NUM
cblr-14258	53	11	(	(	PUNCT
cblr-14258	53	12	e	e	NOUN
cblr-14258	53	13	)	)	PUNCT
cblr-14258	53	14	clarifies	clarify	VERB
cblr-14258	53	15	that	that	SCONJ
cblr-14258	53	16	the	the	DET
cblr-14258	53	17	voluntary	voluntary	ADJ
cblr-14258	53	18	dismissal	dismissal	NOUN
cblr-14258	53	19	or	or	CCONJ
cblr-14258	53	20	discontinuance	discontinuance	NOUN
cblr-14258	53	21	of	of	ADP
cblr-14258	53	22	an	an	DET
cblr-14258	53	23	action	action	NOUN
cblr-14258	53	24	upon	upon	SCONJ
cblr-14258	53	25	an	an	DET
cblr-14258	53	26	instrument	instrument	NOUN
cblr-14258	53	27	described	describe	VERB
cblr-14258	53	28	under	under	ADP
cblr-14258	53	29	cplr	cplr	NOUN
cblr-14258	53	30	213	213	NUM
cblr-14258	53	31	(	(	PUNCT
cblr-14258	53	32	4	4	NUM
cblr-14258	53	33	)	)	PUNCT
cblr-14258	53	34	shall	shall	AUX
cblr-14258	53	35	not	not	PART
cblr-14258	53	36	effectuate	effectuate	VERB
cblr-14258	53	37	a	a	DET
cblr-14258	53	38	“	"	PUNCT
cblr-14258	53	39	de	de	ADJ
cblr-14258	53	40	-	-	NOUN
cblr-14258	53	41	accrual	accrual	ADJ
cblr-14258	53	42	”	"	PUNCT
cblr-14258	53	43	of	of	ADP
cblr-14258	53	44	the	the	DET
cblr-14258	53	45	cause	cause	NOUN
cblr-14258	53	46	of	of	ADP
cblr-14258	53	47	action.11	action.11	PROPN
cblr-14258	53	48	in	in	ADP
cblr-14258	53	49	short	short	ADJ
cblr-14258	53	50	,	,	PUNCT
cblr-14258	53	51	fapa	fapa	NOUN
cblr-14258	53	52	stipulates	stipulate	VERB
cblr-14258	53	53	that	that	SCONJ
cblr-14258	53	54	lenders	lender	NOUN
cblr-14258	53	55	can	can	AUX
cblr-14258	53	56	no	no	ADV
cblr-14258	53	57	longer	long	ADV
cblr-14258	53	58	deaccelerate	deaccelerate	VERB
cblr-14258	53	59	and	and	CCONJ
cblr-14258	53	60	toll	toll	NOUN
cblr-14258	53	61	/	/	SYM
cblr-14258	53	62	reset	reset	VERB
cblr-14258	53	63	the	the	DET
cblr-14258	53	64	statute	statute	NOUN
cblr-14258	53	65	of	of	ADP
cblr-14258	53	66	limitations	limitation	NOUN
cblr-14258	53	67	by	by	ADP
cblr-14258	53	68	voluntary	voluntary	ADJ
cblr-14258	53	69	discontinuance	discontinuance	NOUN
cblr-14258	53	70	.	.	PUNCT
cblr-14258	54	1	it	it	PRON
cblr-14258	54	2	still	still	ADV
cblr-14258	54	3	allows	allow	VERB
cblr-14258	54	4	borrowers	borrower	NOUN
cblr-14258	54	5	to	to	PART
cblr-14258	54	6	agree	agree	VERB
cblr-14258	54	7	,	,	PUNCT
cblr-14258	54	8	in	in	ADP
cblr-14258	54	9	the	the	DET
cblr-14258	54	10	mortgage	mortgage	NOUN
cblr-14258	54	11	contract	contract	NOUN
cblr-14258	54	12	,	,	PUNCT
cblr-14258	54	13	to	to	PART
cblr-14258	54	14	postpone	postpone	VERB
cblr-14258	54	15	,	,	PUNCT
cblr-14258	54	16	cancel	cancel	VERB
cblr-14258	54	17	,	,	PUNCT
cblr-14258	54	18	reset	reset	NOUN
cblr-14258	54	19	,	,	PUNCT
cblr-14258	54	20	toll	toll	NOUN
cblr-14258	54	21	,	,	PUNCT
cblr-14258	54	22	revive	revive	VERB
cblr-14258	54	23	or	or	CCONJ
cblr-14258	54	24	otherwise	otherwise	ADV
cblr-14258	54	25	extend	extend	VERB
cblr-14258	54	26	the	the	DET
cblr-14258	54	27	six	six	NUM
cblr-14258	54	28	-	-	PUNCT
cblr-14258	54	29	year	year	NOUN
cblr-14258	54	30	statute	statute	NOUN
cblr-14258	54	31	of	of	ADP
cblr-14258	54	32	limitations	limitation	NOUN
cblr-14258	54	33	,	,	PUNCT
cblr-14258	54	34	but	but	CCONJ
cblr-14258	54	35	such	such	DET
cblr-14258	54	36	an	an	DET
cblr-14258	54	37	agreement	agreement	NOUN
cblr-14258	54	38	suspending	suspend	VERB
cblr-14258	54	39	the	the	DET
cblr-14258	54	40	six	six	NUM
cblr-14258	54	41	-	-	PUNCT
cblr-14258	54	42	year	year	NOUN
cblr-14258	54	43	statute	statute	NOUN
cblr-14258	54	44	of	of	ADP
cblr-14258	54	45	limitations	limitation	NOUN
cblr-14258	54	46	may	may	AUX
cblr-14258	54	47	only	only	ADV
cblr-14258	54	48	reset	reset	VERB
cblr-14258	54	49	the	the	DET
cblr-14258	54	50	statute	statute	NOUN
cblr-14258	54	51	of	of	ADP
cblr-14258	54	52	limitations	limitation	NOUN
cblr-14258	54	53	for	for	ADP
cblr-14258	54	54	six	six	NUM
cblr-14258	54	55	years	year	NOUN
cblr-14258	54	56	from	from	ADP
cblr-14258	54	57	the	the	DET
cblr-14258	54	58	date	date	NOUN
cblr-14258	54	59	of	of	ADP
cblr-14258	54	60	that	that	DET
cblr-14258	54	61	agreement.12	agreement.12	NOUN
cblr-14258	54	62	in	in	ADP
cblr-14258	54	63	effect	effect	NOUN
cblr-14258	54	64	,	,	PUNCT
cblr-14258	54	65	fapa	fapa	NOUN
cblr-14258	54	66	essentially	essentially	ADV
cblr-14258	54	67	abrogates	abrogate	VERB
cblr-14258	54	68	engel	engel	PROPN
cblr-14258	54	69	and	and	CCONJ
cblr-14258	54	70	its	its	PRON
cblr-14258	54	71	predecessors	predecessor	NOUN
cblr-14258	54	72	discussed	discuss	VERB
cblr-14258	54	73	earlier	early	ADV
cblr-14258	54	74	.	.	PUNCT
cblr-14258	55	1	senator	senator	PROPN
cblr-14258	55	2	james	james	PROPN
cblr-14258	55	3	sanders	sanders	PROPN
cblr-14258	55	4	jr	jr	PROPN
cblr-14258	55	5	.	.	PROPN
cblr-14258	55	6	,	,	PUNCT
cblr-14258	55	7	introducer	introducer	NOUN
cblr-14258	55	8	of	of	ADP
cblr-14258	55	9	the	the	DET
cblr-14258	55	10	bill	bill	NOUN
cblr-14258	55	11	,	,	PUNCT
cblr-14258	55	12	commented	comment	VERB
cblr-14258	55	13	that	that	SCONJ
cblr-14258	55	14	fapa	fapa	NOUN
cblr-14258	55	15	will	will	AUX
cblr-14258	55	16	“	"	PUNCT
cblr-14258	55	17	go	go	VERB
cblr-14258	55	18	a	a	DET
cblr-14258	55	19	long	long	ADJ
cblr-14258	55	20	way	way	NOUN
cblr-14258	55	21	in	in	ADP
cblr-14258	55	22	helping	help	VERB
cblr-14258	55	23	homeowners	homeowner	NOUN
cblr-14258	55	24	save	save	VERB
cblr-14258	55	25	their	their	PRON
cblr-14258	55	26	homes	home	NOUN
cblr-14258	55	27	from	from	ADP
cblr-14258	55	28	foreclosure	foreclosure	NOUN
cblr-14258	55	29	by	by	ADP
cblr-14258	55	30	leveling	level	VERB
cblr-14258	55	31	the	the	DET
cblr-14258	55	32	playing	play	VERB
cblr-14258	55	33	field	field	NOUN
cblr-14258	55	34	by	by	ADP
cblr-14258	55	35	eliminating	eliminate	VERB
cblr-14258	55	36	certain	certain	ADJ
cblr-14258	55	37	abuses	abuse	NOUN
cblr-14258	55	38	lenders	lender	NOUN
cblr-14258	55	39	have	have	AUX
cblr-14258	55	40	used	use	VERB
cblr-14258	55	41	in	in	ADP
cblr-14258	55	42	courts	court	NOUN
cblr-14258	55	43	to	to	ADP
cblr-14258	55	44	the	the	DET
cblr-14258	55	45	detriment	detriment	NOUN
cblr-14258	55	46	of	of	ADP
cblr-14258	55	47	the	the	DET
cblr-14258	55	48	homeowners,”13	homeowners,”13	PUNCT
cblr-14258	55	49	and	and	CCONJ
cblr-14258	55	50	that	that	SCONJ
cblr-14258	55	51	it	it	PRON
cblr-14258	55	52	provides	provide	VERB
cblr-14258	55	53	“	"	PUNCT
cblr-14258	55	54	needed	need	VERB
cblr-14258	55	55	clarification	clarification	NOUN
cblr-14258	55	56	to	to	PART
cblr-14258	55	57	correct	correct	VERB
cblr-14258	55	58	recent	recent	ADJ
cblr-14258	55	59	judicial	judicial	ADJ
cblr-14258	55	60	10	10	NUM
cblr-14258	55	61	n.y	n.y	PROPN
cblr-14258	55	62	.	.	PROPN
cblr-14258	56	1	c.p.l.r	c.p.l.r	PROPN
cblr-14258	56	2	.	.	PROPN
cblr-14258	56	3	203	203	NUM
cblr-14258	56	4	(	(	PUNCT
cblr-14258	56	5	mckinney	mckinney	NOUN
cblr-14258	56	6	2022	2022	NUM
cblr-14258	56	7	)	)	PUNCT
cblr-14258	57	1	;	;	PUNCT
cblr-14258	57	2	s.b	s.b	PROPN
cblr-14258	57	3	.	.	PROPN
cblr-14258	57	4	s5473d	s5473d	PROPN
cblr-14258	57	5	§	§	PROPN
cblr-14258	57	6	4	4	NUM
cblr-14258	57	7	(	(	PUNCT
cblr-14258	57	8	n.y	n.y	PROPN
cblr-14258	57	9	.	.	PROPN
cblr-14258	57	10	2021	2021	NUM
cblr-14258	57	11	)	)	PUNCT
cblr-14258	57	12	.	.	PUNCT
cblr-14258	58	1	11	11	NUM
cblr-14258	58	2	n.y	n.y	PROPN
cblr-14258	58	3	.	.	PROPN
cblr-14258	58	4	c.p.l.r	c.p.l.r	PROPN
cblr-14258	58	5	.	.	PROPN
cblr-14258	58	6	3217(e	3217(e	NUM
cblr-14258	58	7	)	)	PUNCT
cblr-14258	58	8	(	(	PUNCT
cblr-14258	58	9	mckinney	mckinney	NOUN
cblr-14258	58	10	2022	2022	NUM
cblr-14258	58	11	)	)	PUNCT
cblr-14258	58	12	;	;	PUNCT
cblr-14258	58	13	s.b	s.b	PROPN
cblr-14258	58	14	.	.	PROPN
cblr-14258	58	15	s5473d	s5473d	PROPN
cblr-14258	58	16	§	§	PROPN
cblr-14258	58	17	8	8	NUM
cblr-14258	58	18	(	(	PUNCT
cblr-14258	58	19	n.y	n.y	PROPN
cblr-14258	58	20	.	.	PROPN
cblr-14258	58	21	2021	2021	NUM
cblr-14258	58	22	)	)	PUNCT
cblr-14258	58	23	.	.	PUNCT
cblr-14258	59	1	12	12	NUM
cblr-14258	59	2	see	see	PROPN
cblr-14258	59	3	n.y	n.y	PROPN
cblr-14258	59	4	.	.	PROPN
cblr-14258	59	5	gen	gen	PROPN
cblr-14258	59	6	.	.	PROPN
cblr-14258	59	7	oblig	oblig	PROPN
cblr-14258	59	8	.	.	PUNCT
cblr-14258	60	1	law	law	NOUN
cblr-14258	60	2	§	§	PROPN
cblr-14258	60	3	17	17	NUM
cblr-14258	60	4	-	-	SYM
cblr-14258	60	5	105(1	105(1	NUM
cblr-14258	60	6	)	)	PUNCT
cblr-14258	60	7	(	(	PUNCT
cblr-14258	60	8	mckinney	mckinney	NOUN
cblr-14258	60	9	2022	2022	NUM
cblr-14258	60	10	)	)	PUNCT
cblr-14258	60	11	.	.	PUNCT
cblr-14258	61	1	13	13	NUM
cblr-14258	61	2	james	james	PROPN
cblr-14258	61	3	sanders	sanders	PROPN
cblr-14258	61	4	jr	jr	PROPN
cblr-14258	61	5	.	.	PROPN
cblr-14258	61	6	,	,	PUNCT
cblr-14258	61	7	senate	senate	PROPN
cblr-14258	61	8	passes	pass	VERB
cblr-14258	61	9	senator	senator	PROPN
cblr-14258	61	10	sanders	sander	NOUN
cblr-14258	61	11	’	'	PUNCT
cblr-14258	61	12	“	"	PUNCT
cblr-14258	61	13	foreclosure	foreclosure	NOUN
cblr-14258	61	14	abuse	abuse	NOUN
cblr-14258	61	15	prevention	prevention	NOUN
cblr-14258	61	16	act	act	PROPN
cblr-14258	61	17	”	"	PUNCT
cblr-14258	61	18	legislation	legislation	NOUN
cblr-14258	61	19	,	,	PUNCT
cblr-14258	61	20	n.y	n.y	PROPN
cblr-14258	61	21	.	.	PROPN
cblr-14258	61	22	state	state	PROPN
cblr-14258	61	23	senate	senate	PROPN
cblr-14258	61	24	(	(	PUNCT
cblr-14258	61	25	may	may	PROPN
cblr-14258	61	26	3	3	NUM
cblr-14258	61	27	,	,	PUNCT
cblr-14258	61	28	2022	2022	NUM
cblr-14258	61	29	)	)	PUNCT
cblr-14258	61	30	,	,	PUNCT
cblr-14258	61	31	https://www.nysenate.gov/newsroom/articles/2022/james-sanders/senate-passessenator-sanders-foreclosure-abuse-prevention-act	https://www.nysenate.gov/newsroom/articles/2022/james-sanders/senate-passessenator-sanders-foreclosure-abuse-prevention-act	PROPN
cblr-14258	62	1	[	[	X
cblr-14258	62	2	https://perma.cc/kv5c-q9y9	https://perma.cc/kv5c-q9y9	X
cblr-14258	62	3	]	]	X
cblr-14258	62	4	.	.	PUNCT
cblr-14258	63	1	620	620	NUM
cblr-14258	63	2	columbia	columbia	PROPN
cblr-14258	63	3	business	business	NOUN
cblr-14258	63	4	law	law	PROPN
cblr-14258	63	5	review	review	NOUN
cblr-14258	64	1	[	[	X
cblr-14258	64	2	vol	vol	NOUN
cblr-14258	64	3	.	.	PUNCT
cblr-14258	64	4	2025	2025	NUM
cblr-14258	64	5	decisions	decision	NOUN
cblr-14258	64	6	,	,	PUNCT
cblr-14258	64	7	”	"	PUNCT
cblr-14258	64	8	including	include	VERB
cblr-14258	64	9	engel	engel	PROPN
cblr-14258	64	10	,	,	PUNCT
cblr-14258	64	11	which	which	PRON
cblr-14258	64	12	have	have	VERB
cblr-14258	64	13	“	"	PUNCT
cblr-14258	64	14	excuse[d	excuse[d	PROPN
cblr-14258	64	15	]	]	PUNCT
cblr-14258	64	16	financial	financial	ADJ
cblr-14258	64	17	institutions	institution	NOUN
cblr-14258	64	18	from	from	ADP
cblr-14258	64	19	the	the	DET
cblr-14258	64	20	effects	effect	NOUN
cblr-14258	64	21	of	of	ADP
cblr-14258	64	22	longstanding	longstanding	ADJ
cblr-14258	64	23	statute	statute	NOUN
cblr-14258	64	24	of	of	ADP
cblr-14258	64	25	limitations	limitation	NOUN
cblr-14258	64	26	principles	principle	NOUN
cblr-14258	64	27	”	"	PUNCT
cblr-14258	64	28	to	to	PART
cblr-14258	64	29	“	"	PUNCT
cblr-14258	64	30	take	take	VERB
cblr-14258	64	31	advantage	advantage	NOUN
cblr-14258	64	32	of	of	ADP
cblr-14258	64	33	struggling	struggle	VERB
cblr-14258	64	34	homeowners	homeowner	NOUN
cblr-14258	64	35	.	.	PUNCT
cblr-14258	65	1	”14	”14	PROPN
cblr-14258	65	2	fapa	fapa	PROPN
cblr-14258	65	3	’s	’s	PART
cblr-14258	65	4	enactment	enactment	NOUN
cblr-14258	65	5	spurred	spur	VERB
cblr-14258	65	6	a	a	DET
cblr-14258	65	7	wave	wave	NOUN
cblr-14258	65	8	of	of	ADP
cblr-14258	65	9	litigation	litigation	NOUN
cblr-14258	65	10	in	in	ADP
cblr-14258	65	11	new	new	PROPN
cblr-14258	65	12	york	york	PROPN
cblr-14258	65	13	.	.	PUNCT
cblr-14258	66	1	these	these	DET
cblr-14258	66	2	cases	case	NOUN
cblr-14258	66	3	center	center	VERB
cblr-14258	66	4	on	on	ADP
cblr-14258	66	5	disputes	dispute	NOUN
cblr-14258	66	6	regarding	regard	VERB
cblr-14258	66	7	the	the	DET
cblr-14258	66	8	extent	extent	NOUN
cblr-14258	66	9	and	and	CCONJ
cblr-14258	66	10	validity	validity	NOUN
cblr-14258	66	11	of	of	ADP
cblr-14258	66	12	fapa	fapa	NOUN
cblr-14258	66	13	’s	’s	PART
cblr-14258	66	14	retroactive	retroactive	ADJ
cblr-14258	66	15	application	application	NOUN
cblr-14258	66	16	,	,	PUNCT
cblr-14258	66	17	since	since	SCONJ
cblr-14258	66	18	fapa	fapa	NOUN
cblr-14258	66	19	could	could	AUX
cblr-14258	66	20	render	render	VERB
cblr-14258	66	21	countless	countless	ADJ
cblr-14258	66	22	foreclosure	foreclosure	NOUN
cblr-14258	66	23	actions	action	NOUN
cblr-14258	66	24	—	—	PUNCT
cblr-14258	66	25	which	which	PRON
cblr-14258	66	26	have	have	AUX
cblr-14258	66	27	been	be	AUX
cblr-14258	66	28	restarted	restart	VERB
cblr-14258	66	29	after	after	ADP
cblr-14258	66	30	a	a	DET
cblr-14258	66	31	prior	prior	ADJ
cblr-14258	66	32	de	de	NOUN
cblr-14258	66	33	-	-	NOUN
cblr-14258	66	34	acceleration	acceleration	NOUN
cblr-14258	66	35	—	—	PUNCT
cblr-14258	66	36	now	now	ADV
cblr-14258	66	37	time	time	NOUN
cblr-14258	66	38	-	-	PUNCT
cblr-14258	66	39	barred	bar	VERB
cblr-14258	66	40	under	under	ADP
cblr-14258	66	41	the	the	DET
cblr-14258	66	42	six	six	NUM
cblr-14258	66	43	-	-	PUNCT
cblr-14258	66	44	year	year	NOUN
cblr-14258	66	45	statute	statute	NOUN
cblr-14258	66	46	of	of	ADP
cblr-14258	66	47	limitations	limitation	NOUN
cblr-14258	66	48	.	.	PUNCT
cblr-14258	67	1	pursuant	pursuant	ADJ
cblr-14258	67	2	to	to	ADP
cblr-14258	67	3	its	its	PRON
cblr-14258	67	4	text	text	NOUN
cblr-14258	67	5	,	,	PUNCT
cblr-14258	67	6	fapa	fapa	NOUN
cblr-14258	67	7	was	be	AUX
cblr-14258	67	8	to	to	PART
cblr-14258	67	9	take	take	VERB
cblr-14258	67	10	effect	effect	NOUN
cblr-14258	67	11	“	"	PUNCT
cblr-14258	67	12	immediately	immediately	ADV
cblr-14258	67	13	”	"	PUNCT
cblr-14258	67	14	upon	upon	SCONJ
cblr-14258	67	15	enactment	enactment	NOUN
cblr-14258	67	16	applicable	applicable	ADJ
cblr-14258	67	17	to	to	ADP
cblr-14258	67	18	“	"	PUNCT
cblr-14258	67	19	all	all	DET
cblr-14258	67	20	[	[	X
cblr-14258	67	21	foreclosure	foreclosure	NOUN
cblr-14258	67	22	]	]	PUNCT
cblr-14258	67	23	actions	action	NOUN
cblr-14258	67	24	.	.	PUNCT
cblr-14258	67	25	.	.	PUNCT
cblr-14258	68	1	.	.	PUNCT
cblr-14258	69	1	in	in	ADP
cblr-14258	69	2	which	which	PRON
cblr-14258	69	3	a	a	DET
cblr-14258	69	4	final	final	ADJ
cblr-14258	69	5	judgment	judgment	NOUN
cblr-14258	69	6	of	of	ADP
cblr-14258	69	7	foreclosure	foreclosure	NOUN
cblr-14258	69	8	and	and	CCONJ
cblr-14258	69	9	sale	sale	NOUN
cblr-14258	69	10	has	have	AUX
cblr-14258	69	11	not	not	PART
cblr-14258	69	12	been	be	AUX
cblr-14258	69	13	enforced	enforce	VERB
cblr-14258	69	14	.	.	PUNCT
cblr-14258	70	1	”15	”15	NOUN
cblr-14258	70	2	this	this	DET
cblr-14258	70	3	seemingly	seemingly	ADV
cblr-14258	70	4	unequivocal	unequivocal	ADJ
cblr-14258	70	5	requirement	requirement	NOUN
cblr-14258	70	6	,	,	PUNCT
cblr-14258	70	7	however	however	ADV
cblr-14258	70	8	,	,	PUNCT
cblr-14258	70	9	has	have	AUX
cblr-14258	70	10	been	be	AUX
cblr-14258	70	11	interpreted	interpret	VERB
cblr-14258	70	12	in	in	ADP
cblr-14258	70	13	differing	differ	VERB
cblr-14258	70	14	ways	way	NOUN
cblr-14258	70	15	by	by	ADP
cblr-14258	70	16	the	the	DET
cblr-14258	70	17	new	new	PROPN
cblr-14258	70	18	york	york	PROPN
cblr-14258	70	19	supreme	supreme	PROPN
cblr-14258	70	20	court	court	PROPN
cblr-14258	70	21	in	in	ADP
cblr-14258	70	22	various	various	ADJ
cblr-14258	70	23	counties	county	NOUN
cblr-14258	70	24	,	,	PUNCT
cblr-14258	70	25	leading	lead	VERB
cblr-14258	70	26	to	to	ADP
cblr-14258	70	27	conflicting	conflicting	ADJ
cblr-14258	70	28	rulings	ruling	NOUN
cblr-14258	70	29	in	in	ADP
cblr-14258	70	30	fapa	fapa	PROPN
cblr-14258	70	31	’s	’s	PART
cblr-14258	70	32	retroactive	retroactive	ADJ
cblr-14258	70	33	application.16	application.16	PROPN
cblr-14258	70	34	litigants	litigant	NOUN
cblr-14258	70	35	have	have	AUX
cblr-14258	70	36	also	also	ADV
cblr-14258	70	37	challenged	challenge	VERB
cblr-14258	70	38	whether	whether	SCONJ
cblr-14258	70	39	fapa	fapa	NOUN
cblr-14258	70	40	’s	’s	PART
cblr-14258	70	41	retroactive	retroactive	ADJ
cblr-14258	70	42	application	application	NOUN
cblr-14258	70	43	violates	violate	VERB
cblr-14258	70	44	the	the	DET
cblr-14258	70	45	state	state	NOUN
cblr-14258	70	46	and	and	CCONJ
cblr-14258	70	47	federal	federal	ADJ
cblr-14258	70	48	constitution	constitution	NOUN
cblr-14258	70	49	.	.	PUNCT
cblr-14258	71	1	numerous	numerous	ADJ
cblr-14258	71	2	mortgage	mortgage	NOUN
cblr-14258	71	3	holders	holder	NOUN
cblr-14258	71	4	in	in	ADP
cblr-14258	71	5	these	these	DET
cblr-14258	71	6	cases	case	NOUN
cblr-14258	71	7	have	have	AUX
cblr-14258	71	8	argued	argue	VERB
cblr-14258	71	9	that	that	SCONJ
cblr-14258	71	10	retroactive	retroactive	ADJ
cblr-14258	71	11	application	application	NOUN
cblr-14258	71	12	of	of	ADP
cblr-14258	71	13	fapa	fapa	NOUN
cblr-14258	71	14	would	would	AUX
cblr-14258	71	15	impair	impair	VERB
cblr-14258	71	16	their	their	PRON
cblr-14258	71	17	contract	contract	NOUN
cblr-14258	71	18	,	,	PUNCT
cblr-14258	71	19	property	property	NOUN
cblr-14258	71	20	,	,	PUNCT
cblr-14258	71	21	and	and	CCONJ
cblr-14258	71	22	due	due	ADJ
cblr-14258	71	23	process	process	NOUN
cblr-14258	71	24	rights.17	rights.17	NOUN
cblr-14258	71	25	at	at	ADP
cblr-14258	71	26	the	the	DET
cblr-14258	71	27	time	time	NOUN
cblr-14258	71	28	of	of	ADP
cblr-14258	71	29	the	the	DET
cblr-14258	71	30	writing	writing	NOUN
cblr-14258	71	31	of	of	ADP
cblr-14258	71	32	this	this	DET
cblr-14258	71	33	note	note	NOUN
cblr-14258	71	34	,	,	PUNCT
cblr-14258	71	35	fapa	fapa	NOUN
cblr-14258	71	36	has	have	AUX
cblr-14258	71	37	been	be	AUX
cblr-14258	71	38	in	in	ADP
cblr-14258	71	39	effect	effect	NOUN
cblr-14258	71	40	for	for	ADP
cblr-14258	71	41	two	two	NUM
cblr-14258	71	42	years	year	NOUN
cblr-14258	71	43	or	or	CCONJ
cblr-14258	71	44	so	so	ADV
cblr-14258	71	45	,	,	PUNCT
cblr-14258	71	46	and	and	CCONJ
cblr-14258	71	47	there	there	PRON
cblr-14258	71	48	has	have	AUX
cblr-14258	71	49	not	not	PART
cblr-14258	71	50	been	be	AUX
cblr-14258	71	51	any	any	DET
cblr-14258	71	52	opinion	opinion	NOUN
cblr-14258	71	53	from	from	ADP
cblr-14258	71	54	the	the	DET
cblr-14258	71	55	new	new	PROPN
cblr-14258	71	56	york	york	PROPN
cblr-14258	71	57	court	court	PROPN
cblr-14258	71	58	of	of	ADP
cblr-14258	71	59	appeals	appeal	NOUN
cblr-14258	71	60	on	on	ADP
cblr-14258	71	61	these	these	DET
cblr-14258	71	62	issues	issue	NOUN
cblr-14258	71	63	.	.	PUNCT
cblr-14258	72	1	some	some	DET
cblr-14258	72	2	cases	case	NOUN
cblr-14258	72	3	have	have	AUX
cblr-14258	72	4	reached	reach	VERB
cblr-14258	72	5	the	the	DET
cblr-14258	72	6	appellate	appellate	ADJ
cblr-14258	72	7	divisions	division	NOUN
cblr-14258	72	8	,	,	PUNCT
cblr-14258	72	9	but	but	CCONJ
cblr-14258	72	10	they	they	PRON
cblr-14258	72	11	have	have	AUX
cblr-14258	72	12	often	often	ADV
cblr-14258	72	13	remitted	remit	VERB
cblr-14258	72	14	difficult	difficult	ADJ
cblr-14258	72	15	questions	question	NOUN
cblr-14258	72	16	,	,	PUNCT
cblr-14258	72	17	such	such	ADJ
cblr-14258	72	18	as	as	ADP
cblr-14258	72	19	the	the	DET
cblr-14258	72	20	constitutionality	constitutionality	NOUN
cblr-14258	72	21	analysis	analysis	NOUN
cblr-14258	72	22	,	,	PUNCT
cblr-14258	72	23	to	to	ADP
cblr-14258	72	24	the	the	DET
cblr-14258	72	25	lower	low	ADJ
cblr-14258	72	26	courts.18	courts.18	NOUN
cblr-14258	72	27	as	as	ADP
cblr-14258	72	28	for	for	ADP
cblr-14258	72	29	federal	federal	ADJ
cblr-14258	72	30	court	court	NOUN
cblr-14258	72	31	actions	action	NOUN
cblr-14258	72	32	,	,	PUNCT
cblr-14258	72	33	there	there	PRON
cblr-14258	72	34	are	be	VERB
cblr-14258	72	35	a	a	DET
cblr-14258	72	36	few	few	ADJ
cblr-14258	72	37	district	district	NOUN
cblr-14258	72	38	court	court	NOUN
cblr-14258	72	39	cases	case	NOUN
cblr-14258	72	40	,	,	PUNCT
cblr-14258	72	41	and	and	CCONJ
cblr-14258	72	42	they	they	PRON
cblr-14258	72	43	have	have	AUX
cblr-14258	72	44	generally	generally	ADV
cblr-14258	72	45	based	base	VERB
cblr-14258	72	46	their	their	PRON
cblr-14258	72	47	decisions	decision	NOUN
cblr-14258	72	48	on	on	ADP
cblr-14258	72	49	the	the	DET
cblr-14258	72	50	state	state	NOUN
cblr-14258	72	51	lower	low	ADJ
cblr-14258	72	52	court	court	NOUN
cblr-14258	72	53	rulings	ruling	NOUN
cblr-14258	72	54	.	.	PUNCT
cblr-14258	73	1	thus	thus	ADV
cblr-14258	73	2	,	,	PUNCT
cblr-14258	73	3	the	the	DET
cblr-14258	73	4	above	above	ADJ
cblr-14258	73	5	issues	issue	NOUN
cblr-14258	73	6	have	have	AUX
cblr-14258	73	7	mostly	mostly	ADV
cblr-14258	73	8	been	be	AUX
cblr-14258	73	9	addressed	address	VERB
cblr-14258	73	10	at	at	ADP
cblr-14258	73	11	the	the	DET
cblr-14258	73	12	state	state	NOUN
cblr-14258	73	13	trial	trial	NOUN
cblr-14258	73	14	14	14	NUM
cblr-14258	74	1	i	i	PRON
cblr-14258	74	2	d.	d.	PROPN
cblr-14258	74	3	15	15	NUM
cblr-14258	74	4	s.b	s.b	PROPN
cblr-14258	74	5	.	.	PUNCT
cblr-14258	74	6	s5473d	s5473d	PROPN
cblr-14258	74	7	§	§	PROPN
cblr-14258	74	8	10	10	NUM
cblr-14258	74	9	(	(	PUNCT
cblr-14258	74	10	n.y	n.y	PROPN
cblr-14258	74	11	.	.	PROPN
cblr-14258	74	12	2021	2021	NUM
cblr-14258	74	13	)	)	PUNCT
cblr-14258	74	14	.	.	PUNCT
cblr-14258	75	1	16	16	NUM
cblr-14258	75	2	see	see	VERB
cblr-14258	75	3	infra	infra	NOUN
cblr-14258	75	4	section	section	PROPN
cblr-14258	75	5	ii	ii	PROPN
cblr-14258	75	6	.	.	PROPN
cblr-14258	75	7	17	17	NUM
cblr-14258	76	1	i	i	PRON
cblr-14258	76	2	d.	d.	PROPN
cblr-14258	76	3	18	18	NUM
cblr-14258	76	4	see	see	VERB
cblr-14258	76	5	,	,	PUNCT
cblr-14258	76	6	e.g.	e.g.	ADV
cblr-14258	76	7	,	,	PUNCT
cblr-14258	76	8	ronan	ronan	PROPN
cblr-14258	76	9	,	,	PUNCT
cblr-14258	76	10	llc	llc	PROPN
cblr-14258	76	11	v.	v.	PROPN
cblr-14258	76	12	hanipoly	hanipoly	PROPN
cblr-14258	76	13	,	,	PUNCT
cblr-14258	77	1	199	199	NUM
cblr-14258	77	2	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	77	3	652	652	NUM
cblr-14258	77	4	(	(	PUNCT
cblr-14258	77	5	n.y	n.y	PROPN
cblr-14258	77	6	.	.	PROPN
cblr-14258	77	7	app	app	PROPN
cblr-14258	77	8	.	.	PUNCT
cblr-14258	77	9	div	div	PROPN
cblr-14258	77	10	.	.	PUNCT
cblr-14258	77	11	2d	2d	NUM
cblr-14258	77	12	dep’t	dep’t	NOUN
cblr-14258	77	13	2023	2023	NUM
cblr-14258	77	14	)	)	PUNCT
cblr-14258	77	15	(	(	PUNCT
cblr-14258	77	16	remanding	remand	VERB
cblr-14258	77	17	the	the	DET
cblr-14258	77	18	case	case	NOUN
cblr-14258	77	19	to	to	ADP
cblr-14258	77	20	the	the	DET
cblr-14258	77	21	trial	trial	NOUN
cblr-14258	77	22	court	court	NOUN
cblr-14258	77	23	since	since	SCONJ
cblr-14258	77	24	it	it	PRON
cblr-14258	77	25	did	do	AUX
cblr-14258	77	26	not	not	PART
cblr-14258	77	27	consider	consider	VERB
cblr-14258	77	28	the	the	DET
cblr-14258	77	29	issues	issue	NOUN
cblr-14258	77	30	raised	raise	VERB
cblr-14258	77	31	by	by	ADP
cblr-14258	77	32	the	the	DET
cblr-14258	77	33	plaintiff	plaintiff	NOUN
cblr-14258	77	34	related	relate	VERB
cblr-14258	77	35	to	to	ADP
cblr-14258	77	36	the	the	DET
cblr-14258	77	37	constitutionality	constitutionality	NOUN
cblr-14258	77	38	of	of	ADP
cblr-14258	77	39	fapa	fapa	PROPN
cblr-14258	77	40	’s	’s	PART
cblr-14258	77	41	retroactive	retroactive	ADJ
cblr-14258	77	42	application	application	NOUN
cblr-14258	77	43	)	)	PUNCT
cblr-14258	77	44	.	.	PUNCT
cblr-14258	78	1	no	no	INTJ
cblr-14258	78	2	.	.	NOUN
cblr-14258	78	3	1	1	NUM
cblr-14258	78	4	]	]	PUNCT
cblr-14258	78	5	retroactive	retroactive	ADJ
cblr-14258	78	6	application	application	NOUN
cblr-14258	78	7	of	of	ADP
cblr-14258	78	8	the	the	DET
cblr-14258	78	9	ny	ny	PROPN
cblr-14258	78	10	fapa	fapa	PROPN
cblr-14258	78	11	621	621	NUM
cblr-14258	78	12	court	court	NOUN
cblr-14258	78	13	level	level	NOUN
cblr-14258	78	14	,	,	PUNCT
cblr-14258	78	15	and	and	CCONJ
cblr-14258	78	16	these	these	DET
cblr-14258	78	17	lower	low	ADJ
cblr-14258	78	18	courts	court	NOUN
cblr-14258	78	19	have	have	AUX
cblr-14258	78	20	produced	produce	VERB
cblr-14258	78	21	inconsistent	inconsistent	ADJ
cblr-14258	78	22	results	result	NOUN
cblr-14258	78	23	.	.	PUNCT
cblr-14258	79	1	this	this	DET
cblr-14258	79	2	note	note	NOUN
cblr-14258	79	3	ventures	venture	NOUN
cblr-14258	79	4	to	to	PART
cblr-14258	79	5	summarize	summarize	VERB
cblr-14258	79	6	,	,	PUNCT
cblr-14258	79	7	clarify	clarify	VERB
cblr-14258	79	8	,	,	PUNCT
cblr-14258	79	9	and	and	CCONJ
cblr-14258	79	10	provide	provide	VERB
cblr-14258	79	11	better	well	ADJ
cblr-14258	79	12	answers	answer	NOUN
cblr-14258	79	13	to	to	ADP
cblr-14258	79	14	legal	legal	ADJ
cblr-14258	79	15	questions	question	NOUN
cblr-14258	79	16	regarding	regard	VERB
cblr-14258	79	17	the	the	DET
cblr-14258	79	18	validity	validity	NOUN
cblr-14258	79	19	of	of	ADP
cblr-14258	79	20	fapa	fapa	NOUN
cblr-14258	79	21	’s	’s	PART
cblr-14258	79	22	retroactive	retroactive	ADJ
cblr-14258	79	23	application	application	NOUN
cblr-14258	79	24	in	in	ADP
cblr-14258	79	25	face	face	NOUN
cblr-14258	79	26	of	of	ADP
cblr-14258	79	27	the	the	DET
cblr-14258	79	28	ambiguities	ambiguity	NOUN
cblr-14258	79	29	in	in	ADP
cblr-14258	79	30	the	the	DET
cblr-14258	79	31	lower	low	ADJ
cblr-14258	79	32	courts	court	NOUN
cblr-14258	79	33	,	,	PUNCT
cblr-14258	79	34	the	the	DET
cblr-14258	79	35	limited	limited	ADJ
cblr-14258	79	36	opinions	opinion	NOUN
cblr-14258	79	37	from	from	ADP
cblr-14258	79	38	the	the	DET
cblr-14258	79	39	appellate	appellate	ADJ
cblr-14258	79	40	courts	court	NOUN
cblr-14258	79	41	,	,	PUNCT
cblr-14258	79	42	and	and	CCONJ
cblr-14258	79	43	the	the	DET
cblr-14258	79	44	lack	lack	NOUN
cblr-14258	79	45	of	of	ADP
cblr-14258	79	46	scholarly	scholarly	ADJ
cblr-14258	79	47	work	work	NOUN
cblr-14258	79	48	discussing	discuss	VERB
cblr-14258	79	49	such	such	ADJ
cblr-14258	79	50	issues	issue	NOUN
cblr-14258	79	51	.	.	PUNCT
cblr-14258	80	1	in	in	ADP
cblr-14258	80	2	part	part	PROPN
cblr-14258	80	3	ii	ii	PROPN
cblr-14258	80	4	,	,	PUNCT
cblr-14258	80	5	i	i	PRON
cblr-14258	80	6	summarize	summarize	VERB
cblr-14258	80	7	and	and	CCONJ
cblr-14258	80	8	examine	examine	VERB
cblr-14258	80	9	the	the	DET
cblr-14258	80	10	existing	exist	VERB
cblr-14258	80	11	case	case	NOUN
cblr-14258	80	12	law	law	NOUN
cblr-14258	80	13	on	on	ADP
cblr-14258	80	14	fapa	fapa	NOUN
cblr-14258	80	15	,	,	PUNCT
cblr-14258	80	16	surveying	survey	VERB
cblr-14258	80	17	any	any	DET
cblr-14258	80	18	commonalities	commonality	NOUN
cblr-14258	80	19	and	and	CCONJ
cblr-14258	80	20	conflicts	conflict	NOUN
cblr-14258	80	21	.	.	PUNCT
cblr-14258	81	1	in	in	ADP
cblr-14258	81	2	part	part	NOUN
cblr-14258	81	3	iii	iii	NOUN
cblr-14258	81	4	,	,	PUNCT
cblr-14258	81	5	i	i	PRON
cblr-14258	81	6	offer	offer	VERB
cblr-14258	81	7	critique	critique	NOUN
cblr-14258	81	8	on	on	ADP
cblr-14258	81	9	some	some	DET
cblr-14258	81	10	court	court	NOUN
cblr-14258	81	11	opinions	opinion	NOUN
cblr-14258	81	12	and	and	CCONJ
cblr-14258	81	13	recommend	recommend	VERB
cblr-14258	81	14	better	well	ADJ
cblr-14258	81	15	approaches	approach	NOUN
cblr-14258	81	16	by	by	ADP
cblr-14258	81	17	interpreting	interpret	VERB
cblr-14258	81	18	fapa	fapa	NOUN
cblr-14258	81	19	’s	’s	PART
cblr-14258	81	20	text	text	NOUN
cblr-14258	81	21	and	and	CCONJ
cblr-14258	81	22	examining	examine	VERB
cblr-14258	81	23	the	the	DET
cblr-14258	81	24	legislative	legislative	ADJ
cblr-14258	81	25	intent	intent	NOUN
cblr-14258	81	26	.	.	PUNCT
cblr-14258	82	1	the	the	DET
cblr-14258	82	2	analyses	analysis	NOUN
cblr-14258	82	3	in	in	ADP
cblr-14258	82	4	both	both	DET
cblr-14258	82	5	parts	part	NOUN
cblr-14258	82	6	will	will	AUX
cblr-14258	82	7	be	be	AUX
cblr-14258	82	8	conducted	conduct	VERB
cblr-14258	82	9	in	in	ADP
cblr-14258	82	10	light	light	NOUN
cblr-14258	82	11	of	of	ADP
cblr-14258	82	12	new	new	PROPN
cblr-14258	82	13	york	york	PROPN
cblr-14258	82	14	’s	’s	PART
cblr-14258	82	15	common	common	ADJ
cblr-14258	82	16	law	law	NOUN
cblr-14258	82	17	rules	rule	NOUN
cblr-14258	82	18	on	on	ADP
cblr-14258	82	19	statutory	statutory	ADJ
cblr-14258	82	20	retroactivity	retroactivity	NOUN
cblr-14258	82	21	.	.	PUNCT
cblr-14258	83	1	ii	ii	PROPN
cblr-14258	83	2	.	.	PUNCT
cblr-14258	83	3	case	case	NOUN
cblr-14258	83	4	law	law	NOUN
cblr-14258	83	5	on	on	ADP
cblr-14258	83	6	statutory	statutory	ADJ
cblr-14258	83	7	retroactivity	retroactivity	NOUN
cblr-14258	83	8	in	in	ADP
cblr-14258	83	9	new	new	PROPN
cblr-14258	83	10	york	york	PROPN
cblr-14258	83	11	and	and	CCONJ
cblr-14258	83	12	fapa	fapa	PROPN
cblr-14258	83	13	’s	’s	PART
cblr-14258	83	14	retroactive	retroactive	ADJ
cblr-14258	83	15	application	application	NOUN
cblr-14258	83	16	the	the	DET
cblr-14258	83	17	available	available	ADJ
cblr-14258	83	18	case	case	NOUN
cblr-14258	83	19	law	law	NOUN
cblr-14258	83	20	discussing	discuss	VERB
cblr-14258	83	21	fapa	fapa	NOUN
cblr-14258	83	22	’s	’s	PART
cblr-14258	83	23	retroactive	retroactive	ADJ
cblr-14258	83	24	application	application	NOUN
cblr-14258	83	25	is	be	AUX
cblr-14258	83	26	somewhat	somewhat	ADV
cblr-14258	83	27	limited	limited	ADJ
cblr-14258	83	28	due	due	ADP
cblr-14258	83	29	to	to	ADP
cblr-14258	83	30	the	the	DET
cblr-14258	83	31	recency	recency	NOUN
cblr-14258	83	32	of	of	ADP
cblr-14258	83	33	the	the	DET
cblr-14258	83	34	bill	bill	NOUN
cblr-14258	83	35	’s	’s	PART
cblr-14258	83	36	enactment	enactment	NOUN
cblr-14258	83	37	.	.	PUNCT
cblr-14258	84	1	most	most	ADJ
cblr-14258	84	2	published	publish	VERB
cblr-14258	84	3	opinions	opinion	NOUN
cblr-14258	84	4	were	be	AUX
cblr-14258	84	5	issued	issue	VERB
cblr-14258	84	6	by	by	ADP
cblr-14258	84	7	the	the	DET
cblr-14258	84	8	new	new	PROPN
cblr-14258	84	9	york	york	PROPN
cblr-14258	84	10	supreme	supreme	PROPN
cblr-14258	84	11	court	court	PROPN
cblr-14258	84	12	.	.	PUNCT
cblr-14258	85	1	these	these	DET
cblr-14258	85	2	lower	low	ADJ
cblr-14258	85	3	courts	court	NOUN
cblr-14258	85	4	,	,	PUNCT
cblr-14258	85	5	across	across	ADP
cblr-14258	85	6	a	a	DET
cblr-14258	85	7	number	number	NOUN
cblr-14258	85	8	of	of	ADP
cblr-14258	85	9	counties	county	NOUN
cblr-14258	85	10	,	,	PUNCT
cblr-14258	85	11	have	have	AUX
cblr-14258	85	12	not	not	PART
cblr-14258	85	13	been	be	AUX
cblr-14258	85	14	in	in	ADP
cblr-14258	85	15	agreement	agreement	NOUN
cblr-14258	85	16	.	.	PUNCT
cblr-14258	86	1	the	the	DET
cblr-14258	86	2	following	follow	VERB
cblr-14258	86	3	subsections	subsection	NOUN
cblr-14258	86	4	lay	lie	VERB
cblr-14258	86	5	out	out	ADP
cblr-14258	86	6	the	the	DET
cblr-14258	86	7	key	key	ADJ
cblr-14258	86	8	steps	step	NOUN
cblr-14258	86	9	and	and	CCONJ
cblr-14258	86	10	tests	test	NOUN
cblr-14258	86	11	that	that	SCONJ
cblr-14258	86	12	the	the	DET
cblr-14258	86	13	courts	court	NOUN
cblr-14258	86	14	have	have	AUX
cblr-14258	86	15	developed	develop	VERB
cblr-14258	86	16	for	for	ADP
cblr-14258	86	17	the	the	DET
cblr-14258	86	18	retroactivity	retroactivity	NOUN
cblr-14258	86	19	analysis	analysis	NOUN
cblr-14258	86	20	,	,	PUNCT
cblr-14258	86	21	as	as	ADV
cblr-14258	86	22	well	well	ADV
cblr-14258	86	23	as	as	ADP
cblr-14258	86	24	how	how	SCONJ
cblr-14258	86	25	they	they	PRON
cblr-14258	86	26	have	have	AUX
cblr-14258	86	27	been	be	AUX
cblr-14258	86	28	applied	apply	VERB
cblr-14258	86	29	in	in	ADP
cblr-14258	86	30	fapa	fapa	ADJ
cblr-14258	86	31	cases	case	NOUN
cblr-14258	86	32	.	.	PUNCT
cblr-14258	87	1	at	at	ADP
cblr-14258	87	2	the	the	DET
cblr-14258	87	3	time	time	NOUN
cblr-14258	87	4	of	of	ADP
cblr-14258	87	5	this	this	DET
cblr-14258	87	6	note	note	NOUN
cblr-14258	87	7	’s	’s	ADV
cblr-14258	87	8	drafting	drafting	NOUN
cblr-14258	87	9	,	,	PUNCT
cblr-14258	87	10	new	new	ADJ
cblr-14258	87	11	cases	case	NOUN
cblr-14258	87	12	concerning	concern	VERB
cblr-14258	87	13	fapa	fapa	NOUN
cblr-14258	87	14	’s	’s	PART
cblr-14258	87	15	retroactive	retroactive	ADJ
cblr-14258	87	16	application	application	NOUN
cblr-14258	87	17	are	be	AUX
cblr-14258	87	18	actively	actively	ADV
cblr-14258	87	19	being	be	AUX
cblr-14258	87	20	filed	file	VERB
cblr-14258	87	21	and	and	CCONJ
cblr-14258	87	22	litigated	litigate	VERB
cblr-14258	87	23	.	.	PUNCT
cblr-14258	88	1	a.	a.	NOUN
cblr-14258	88	2	presumption	presumption	NOUN
cblr-14258	88	3	against	against	ADP
cblr-14258	88	4	retroactivity	retroactivity	NOUN
cblr-14258	88	5	the	the	DET
cblr-14258	88	6	first	first	ADJ
cblr-14258	88	7	step	step	NOUN
cblr-14258	88	8	that	that	PRON
cblr-14258	88	9	a	a	DET
cblr-14258	88	10	court	court	NOUN
cblr-14258	88	11	usually	usually	ADV
cblr-14258	88	12	takes	take	VERB
cblr-14258	88	13	in	in	ADP
cblr-14258	88	14	the	the	DET
cblr-14258	88	15	retroactivity	retroactivity	NOUN
cblr-14258	88	16	inquiry	inquiry	NOUN
cblr-14258	88	17	is	be	AUX
cblr-14258	88	18	determining	determine	VERB
cblr-14258	88	19	whether	whether	SCONJ
cblr-14258	88	20	there	there	PRON
cblr-14258	88	21	is	be	VERB
cblr-14258	88	22	a	a	DET
cblr-14258	88	23	presumption	presumption	NOUN
cblr-14258	88	24	against	against	ADP
cblr-14258	88	25	retroactivity	retroactivity	NOUN
cblr-14258	88	26	regarding	regard	VERB
cblr-14258	88	27	the	the	DET
cblr-14258	88	28	statute	statute	NOUN
cblr-14258	88	29	in	in	ADP
cblr-14258	88	30	question	question	NOUN
cblr-14258	88	31	.	.	PUNCT
cblr-14258	89	1	state	state	NOUN
cblr-14258	89	2	courts	court	NOUN
cblr-14258	89	3	have	have	AUX
cblr-14258	89	4	pointed	point	VERB
cblr-14258	89	5	out	out	ADP
cblr-14258	89	6	that	that	SCONJ
cblr-14258	89	7	retroactivity	retroactivity	NOUN
cblr-14258	89	8	is	be	AUX
cblr-14258	89	9	generally	generally	ADV
cblr-14258	89	10	disfavored	disfavor	VERB
cblr-14258	89	11	because	because	SCONJ
cblr-14258	89	12	principles	principle	NOUN
cblr-14258	89	13	of	of	ADP
cblr-14258	89	14	fairness	fairness	NOUN
cblr-14258	89	15	dictate	dictate	VERB
cblr-14258	89	16	that	that	SCONJ
cblr-14258	89	17	individuals	individual	NOUN
cblr-14258	89	18	“	"	PUNCT
cblr-14258	89	19	should	should	AUX
cblr-14258	89	20	have	have	VERB
cblr-14258	89	21	an	an	DET
cblr-14258	89	22	opportunity	opportunity	NOUN
cblr-14258	89	23	to	to	PART
cblr-14258	89	24	know	know	VERB
cblr-14258	89	25	what	what	PRON
cblr-14258	89	26	the	the	DET
cblr-14258	89	27	law	law	NOUN
cblr-14258	89	28	622	622	NUM
cblr-14258	89	29	columbia	columbia	PROPN
cblr-14258	89	30	business	business	NOUN
cblr-14258	89	31	law	law	NOUN
cblr-14258	89	32	review	review	NOUN
cblr-14258	90	1	[	[	X
cblr-14258	90	2	vol	vol	NOUN
cblr-14258	90	3	.	.	PUNCT
cblr-14258	90	4	2025	2025	NUM
cblr-14258	90	5	is	be	AUX
cblr-14258	90	6	and	and	CCONJ
cblr-14258	90	7	to	to	PART
cblr-14258	90	8	conform	conform	VERB
cblr-14258	90	9	their	their	PRON
cblr-14258	90	10	conduct	conduct	NOUN
cblr-14258	90	11	accordingly	accordingly	ADV
cblr-14258	90	12	,	,	PUNCT
cblr-14258	90	13	”	"	PUNCT
cblr-14258	90	14	and	and	CCONJ
cblr-14258	90	15	that	that	SCONJ
cblr-14258	90	16	“	"	PUNCT
cblr-14258	90	17	settled	settle	VERB
cblr-14258	90	18	expectations	expectation	NOUN
cblr-14258	90	19	should	should	AUX
cblr-14258	90	20	not	not	PART
cblr-14258	90	21	be	be	AUX
cblr-14258	90	22	lightly	lightly	ADV
cblr-14258	90	23	disrupted	disrupt	VERB
cblr-14258	90	24	.	.	PUNCT
cblr-14258	91	1	”19	”19	VERB
cblr-14258	91	2	this	this	DET
cblr-14258	91	3	presumption	presumption	NOUN
cblr-14258	91	4	against	against	ADP
cblr-14258	91	5	retroactivity	retroactivity	NOUN
cblr-14258	91	6	is	be	AUX
cblr-14258	91	7	triggered	trigger	VERB
cblr-14258	91	8	when	when	SCONJ
cblr-14258	91	9	the	the	DET
cblr-14258	91	10	legislation	legislation	NOUN
cblr-14258	91	11	has	have	AUX
cblr-14258	91	12	retroactive	retroactive	ADJ
cblr-14258	91	13	effect	effect	NOUN
cblr-14258	91	14	,	,	PUNCT
cblr-14258	91	15	which	which	PRON
cblr-14258	91	16	means	mean	VERB
cblr-14258	91	17	if	if	SCONJ
cblr-14258	91	18	applied	apply	VERB
cblr-14258	91	19	to	to	ADP
cblr-14258	91	20	past	past	ADJ
cblr-14258	91	21	conduct	conduct	NOUN
cblr-14258	91	22	,	,	PUNCT
cblr-14258	91	23	it	it	PRON
cblr-14258	91	24	would	would	AUX
cblr-14258	91	25	“	"	PUNCT
cblr-14258	91	26	impair	impair	VERB
cblr-14258	91	27	[	[	PUNCT
cblr-14258	91	28	the	the	DET
cblr-14258	91	29	substantive	substantive	ADJ
cblr-14258	91	30	]	]	PUNCT
cblr-14258	91	31	rights	right	NOUN
cblr-14258	91	32	a	a	DET
cblr-14258	91	33	party	party	NOUN
cblr-14258	91	34	possessed	possess	VERB
cblr-14258	91	35	when	when	SCONJ
cblr-14258	91	36	[	[	X
cblr-14258	91	37	the	the	DET
cblr-14258	91	38	party	party	NOUN
cblr-14258	91	39	]	]	PUNCT
cblr-14258	91	40	acted	act	VERB
cblr-14258	91	41	,	,	PUNCT
cblr-14258	91	42	increase	increase	VERB
cblr-14258	91	43	a	a	DET
cblr-14258	91	44	party	party	NOUN
cblr-14258	91	45	’s	’s	PART
cblr-14258	91	46	liability	liability	NOUN
cblr-14258	91	47	for	for	ADP
cblr-14258	91	48	past	past	ADJ
cblr-14258	91	49	conduct	conduct	NOUN
cblr-14258	91	50	,	,	PUNCT
cblr-14258	91	51	or	or	CCONJ
cblr-14258	91	52	impose	impose	VERB
cblr-14258	91	53	new	new	ADJ
cblr-14258	91	54	duties	duty	NOUN
cblr-14258	91	55	with	with	ADP
cblr-14258	91	56	respect	respect	NOUN
cblr-14258	91	57	to	to	ADP
cblr-14258	91	58	transactions	transaction	NOUN
cblr-14258	91	59	already	already	ADV
cblr-14258	91	60	completed	complete	VERB
cblr-14258	91	61	.	.	PUNCT
cblr-14258	92	1	”20	”20	NOUN
cblr-14258	92	2	in	in	ADP
cblr-14258	92	3	deciding	decide	VERB
cblr-14258	92	4	whether	whether	SCONJ
cblr-14258	92	5	there	there	PRON
cblr-14258	92	6	is	be	VERB
cblr-14258	92	7	retroactive	retroactive	ADJ
cblr-14258	92	8	effect	effect	NOUN
cblr-14258	92	9	,	,	PUNCT
cblr-14258	92	10	courts	court	NOUN
cblr-14258	92	11	ask	ask	VERB
cblr-14258	92	12	whether	whether	SCONJ
cblr-14258	92	13	the	the	DET
cblr-14258	92	14	law	law	NOUN
cblr-14258	92	15	“	"	PUNCT
cblr-14258	92	16	attaches	attach	VERB
cblr-14258	92	17	new	new	ADJ
cblr-14258	92	18	legal	legal	ADJ
cblr-14258	92	19	consequences	consequence	NOUN
cblr-14258	92	20	”	"	PUNCT
cblr-14258	92	21	to	to	ADP
cblr-14258	92	22	events	event	NOUN
cblr-14258	92	23	completed	complete	VERB
cblr-14258	92	24	before	before	ADP
cblr-14258	92	25	enactment,21	enactment,21	NOUN
cblr-14258	92	26	and	and	CCONJ
cblr-14258	92	27	if	if	SCONJ
cblr-14258	92	28	the	the	DET
cblr-14258	92	29	presumption	presumption	NOUN
cblr-14258	92	30	is	be	AUX
cblr-14258	92	31	triggered	trigger	VERB
cblr-14258	92	32	,	,	PUNCT
cblr-14258	92	33	generally	generally	ADV
cblr-14258	92	34	,	,	PUNCT
cblr-14258	92	35	the	the	DET
cblr-14258	92	36	statute	statute	NOUN
cblr-14258	92	37	should	should	AUX
cblr-14258	92	38	be	be	AUX
cblr-14258	92	39	applied	apply	VERB
cblr-14258	92	40	prospectively.22	prospectively.22	NOUN
cblr-14258	92	41	by	by	ADP
cblr-14258	92	42	its	its	PRON
cblr-14258	92	43	plain	plain	ADJ
cblr-14258	92	44	language	language	NOUN
cblr-14258	92	45	,	,	PUNCT
cblr-14258	92	46	fapa	fapa	NOUN
cblr-14258	92	47	provides	provide	VERB
cblr-14258	92	48	that	that	SCONJ
cblr-14258	92	49	it	it	PRON
cblr-14258	92	50	was	be	AUX
cblr-14258	92	51	to	to	PART
cblr-14258	92	52	take	take	VERB
cblr-14258	92	53	effect	effect	NOUN
cblr-14258	92	54	“	"	PUNCT
cblr-14258	92	55	immediately	immediately	ADV
cblr-14258	92	56	”	"	PUNCT
cblr-14258	92	57	upon	upon	SCONJ
cblr-14258	92	58	enactment	enactment	NOUN
cblr-14258	92	59	in	in	ADP
cblr-14258	92	60	“	"	PUNCT
cblr-14258	92	61	all	all	DET
cblr-14258	92	62	[	[	X
cblr-14258	92	63	foreclosure	foreclosure	NOUN
cblr-14258	92	64	]	]	PUNCT
cblr-14258	92	65	actions	action	NOUN
cblr-14258	92	66	.	.	PUNCT
cblr-14258	92	67	.	.	PUNCT
cblr-14258	93	1	.	.	PUNCT
cblr-14258	94	1	in	in	ADP
cblr-14258	94	2	which	which	PRON
cblr-14258	94	3	a	a	DET
cblr-14258	94	4	final	final	ADJ
cblr-14258	94	5	judgment	judgment	NOUN
cblr-14258	94	6	of	of	ADP
cblr-14258	94	7	foreclosure	foreclosure	NOUN
cblr-14258	94	8	and	and	CCONJ
cblr-14258	94	9	sale	sale	NOUN
cblr-14258	94	10	has	have	AUX
cblr-14258	94	11	not	not	PART
cblr-14258	94	12	been	be	AUX
cblr-14258	94	13	enforced,”23	enforced,”23	NOUN
cblr-14258	94	14	which	which	PRON
cblr-14258	94	15	suggests	suggest	VERB
cblr-14258	94	16	that	that	SCONJ
cblr-14258	94	17	fapa	fapa	NOUN
cblr-14258	94	18	can	can	AUX
cblr-14258	94	19	be	be	AUX
cblr-14258	94	20	applied	apply	VERB
cblr-14258	94	21	to	to	ADP
cblr-14258	94	22	pending	pende	VERB
cblr-14258	94	23	foreclosure	foreclosure	NOUN
cblr-14258	94	24	actions	action	NOUN
cblr-14258	94	25	initiated	initiate	VERB
cblr-14258	94	26	before	before	ADP
cblr-14258	94	27	its	its	PRON
cblr-14258	94	28	enactment	enactment	NOUN
cblr-14258	94	29	.	.	PUNCT
cblr-14258	95	1	however	however	ADV
cblr-14258	95	2	,	,	PUNCT
cblr-14258	95	3	such	such	ADJ
cblr-14258	95	4	applications	application	NOUN
cblr-14258	95	5	have	have	AUX
cblr-14258	95	6	not	not	PART
cblr-14258	95	7	necessarily	necessarily	ADV
cblr-14258	95	8	yielded	yield	VERB
cblr-14258	95	9	retroactive	retroactive	ADJ
cblr-14258	95	10	effects	effect	NOUN
cblr-14258	95	11	.	.	PUNCT
cblr-14258	96	1	in	in	ADP
cblr-14258	96	2	ditech	ditech	PROPN
cblr-14258	96	3	financial	financial	PROPN
cblr-14258	96	4	llc	llc	PROPN
cblr-14258	96	5	v.	v.	CCONJ
cblr-14258	96	6	naidu	naidu	PROPN
cblr-14258	96	7	,	,	PUNCT
cblr-14258	96	8	for	for	ADP
cblr-14258	96	9	instance	instance	NOUN
cblr-14258	96	10	,	,	PUNCT
cblr-14258	96	11	a	a	DET
cblr-14258	96	12	foreclosure	foreclosure	NOUN
cblr-14258	96	13	action	action	NOUN
cblr-14258	96	14	was	be	AUX
cblr-14258	96	15	commenced	commence	VERB
cblr-14258	96	16	in	in	ADP
cblr-14258	96	17	2009	2009	NUM
cblr-14258	96	18	but	but	CCONJ
cblr-14258	96	19	then	then	ADV
cblr-14258	96	20	discontinued	discontinue	VERB
cblr-14258	96	21	in	in	ADP
cblr-14258	96	22	2014	2014	NUM
cblr-14258	96	23	;	;	PUNCT
cblr-14258	96	24	a	a	DET
cblr-14258	96	25	second	second	ADJ
cblr-14258	96	26	action	action	NOUN
cblr-14258	96	27	was	be	AUX
cblr-14258	96	28	brought	bring	VERB
cblr-14258	96	29	in	in	ADP
cblr-14258	96	30	2016.24	2016.24	NUM
cblr-14258	96	31	when	when	SCONJ
cblr-14258	96	32	the	the	DET
cblr-14258	96	33	mortgagor	mortgagor	NOUN
cblr-14258	96	34	challenged	challenge	VERB
cblr-14258	96	35	the	the	DET
cblr-14258	96	36	second	second	ADJ
cblr-14258	96	37	action	action	NOUN
cblr-14258	96	38	on	on	ADP
cblr-14258	96	39	the	the	DET
cblr-14258	96	40	six	six	NUM
cblr-14258	96	41	-	-	PUNCT
cblr-14258	96	42	year	year	NOUN
cblr-14258	96	43	statute	statute	NOUN
cblr-14258	96	44	of	of	ADP
cblr-14258	96	45	limitations	limitation	NOUN
cblr-14258	96	46	grounds	ground	NOUN
cblr-14258	96	47	,	,	PUNCT
cblr-14258	96	48	the	the	DET
cblr-14258	96	49	court	court	NOUN
cblr-14258	96	50	of	of	ADP
cblr-14258	96	51	appeals	appeal	NOUN
cblr-14258	96	52	,	,	PUNCT
cblr-14258	96	53	pursuant	pursuant	ADJ
cblr-14258	96	54	to	to	ADP
cblr-14258	96	55	its	its	PRON
cblr-14258	96	56	new	new	ADJ
cblr-14258	96	57	2021	2021	NUM
cblr-14258	96	58	engel	engel	PROPN
cblr-14258	96	59	ruling	ruling	NOUN
cblr-14258	96	60	,	,	PUNCT
cblr-14258	96	61	reversed	reverse	VERB
cblr-14258	96	62	a	a	DET
cblr-14258	96	63	2019	2019	NUM
cblr-14258	96	64	appellate	appellate	ADJ
cblr-14258	96	65	division	division	NOUN
cblr-14258	96	66	decision	decision	NOUN
cblr-14258	96	67	in	in	ADP
cblr-14258	96	68	the	the	DET
cblr-14258	96	69	same	same	ADJ
cblr-14258	96	70	matter	matter	NOUN
cblr-14258	96	71	by	by	ADP
cblr-14258	96	72	holding	hold	VERB
cblr-14258	96	73	that	that	SCONJ
cblr-14258	96	74	the	the	DET
cblr-14258	96	75	mortgagee	mortgagee	PROPN
cblr-14258	96	76	’s	’s	PART
cblr-14258	96	77	filing	filing	NOUN
cblr-14258	96	78	of	of	ADP
cblr-14258	96	79	a	a	DET
cblr-14258	96	80	stipulation	stipulation	NOUN
cblr-14258	96	81	of	of	ADP
cblr-14258	96	82	discontinuance	discontinuance	NOUN
cblr-14258	96	83	constituted	constitute	VERB
cblr-14258	96	84	de	de	NOUN
cblr-14258	96	85	-	-	NOUN
cblr-14258	96	86	acceleration	acceleration	NOUN
cblr-14258	96	87	,	,	PUNCT
cblr-14258	96	88	resetting	reset	VERB
cblr-14258	96	89	the	the	DET
cblr-14258	96	90	statute	statute	NOUN
cblr-14258	96	91	of	of	ADP
cblr-14258	96	92	limitations.25	limitations.25	PROPN
cblr-14258	96	93	after	after	ADP
cblr-14258	96	94	fapa	fapa	NOUN
cblr-14258	96	95	’s	’s	PART
cblr-14258	96	96	enactment	enactment	NOUN
cblr-14258	96	97	,	,	PUNCT
cblr-14258	96	98	mortgagor	mortgagor	VERB
cblr-14258	96	99	19	19	NUM
cblr-14258	96	100	u.s	u.s	PROPN
cblr-14258	96	101	.	.	PROPN
cblr-14258	96	102	bank	bank	PROPN
cblr-14258	96	103	nat’l	nat’l	VERB
cblr-14258	96	104	ass’n	ass’n	PROPN
cblr-14258	96	105	v.	v.	CCONJ
cblr-14258	96	106	speller	speller	NOUN
cblr-14258	96	107	,	,	PUNCT
cblr-14258	96	108	197	197	NUM
cblr-14258	96	109	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	96	110	925	925	NUM
cblr-14258	96	111	(	(	PUNCT
cblr-14258	96	112	table	table	NOUN
cblr-14258	96	113	)	)	PUNCT
cblr-14258	96	114	,	,	PUNCT
cblr-14258	96	115	at	at	ADP
cblr-14258	96	116	*	*	PROPN
cblr-14258	96	117	13	13	NUM
cblr-14258	96	118	(	(	PUNCT
cblr-14258	96	119	n.y	n.y	PROPN
cblr-14258	96	120	.	.	PROPN
cblr-14258	96	121	sup	sup	PROPN
cblr-14258	96	122	.	.	PUNCT
cblr-14258	97	1	ct	ct	PROPN
cblr-14258	97	2	.	.	PUNCT
cblr-14258	97	3	oct	oct	PROPN
cblr-14258	97	4	.	.	PROPN
cblr-14258	97	5	31	31	NUM
cblr-14258	97	6	,	,	PUNCT
cblr-14258	97	7	2023	2023	NUM
cblr-14258	97	8	)	)	PUNCT
cblr-14258	97	9	(	(	PUNCT
cblr-14258	97	10	quoting	quote	VERB
cblr-14258	97	11	landgraf	landgraf	NOUN
cblr-14258	97	12	v.	v.	ADP
cblr-14258	97	13	usi	usi	ADJ
cblr-14258	97	14	film	film	NOUN
cblr-14258	97	15	prods	prod	VERB
cblr-14258	97	16	.	.	PUNCT
cblr-14258	98	1	,	,	PUNCT
cblr-14258	98	2	511	511	NUM
cblr-14258	98	3	u.s	u.s	PROPN
cblr-14258	98	4	.	.	PROPN
cblr-14258	98	5	244	244	NUM
cblr-14258	98	6	,	,	PUNCT
cblr-14258	98	7	265	265	NUM
cblr-14258	98	8	(	(	PUNCT
cblr-14258	98	9	1994	1994	NUM
cblr-14258	98	10	)	)	PUNCT
cblr-14258	98	11	)	)	PUNCT
cblr-14258	98	12	.	.	PUNCT
cblr-14258	99	1	20	20	NUM
cblr-14258	100	1	i	i	PRON
cblr-14258	100	2	d.	d.	VERB
cblr-14258	100	3	at	at	ADP
cblr-14258	100	4	*	*	NUM
cblr-14258	100	5	26	26	NUM
cblr-14258	100	6	(	(	PUNCT
cblr-14258	100	7	quoting	quote	VERB
cblr-14258	100	8	regina	regina	PROPN
cblr-14258	100	9	metro	metro	PROPN
cblr-14258	100	10	.	.	PUNCT
cblr-14258	101	1	co.	co.	PROPN
cblr-14258	101	2	,	,	PUNCT
cblr-14258	101	3	llc	llc	PROPN
cblr-14258	101	4	v.	v.	PROPN
cblr-14258	101	5	n.y	n.y	PROPN
cblr-14258	101	6	.	.	PROPN
cblr-14258	101	7	state	state	PROPN
cblr-14258	101	8	div	div	PROPN
cblr-14258	101	9	.	.	PUNCT
cblr-14258	101	10	of	of	ADP
cblr-14258	101	11	hous	hous	ADJ
cblr-14258	101	12	.	.	PUNCT
cblr-14258	101	13	&	&	CCONJ
cblr-14258	101	14	community	community	PROPN
cblr-14258	101	15	renewal	renewal	PROPN
cblr-14258	101	16	,	,	PUNCT
cblr-14258	101	17	154	154	NUM
cblr-14258	101	18	n.e.3d	n.e.3d	NUM
cblr-14258	101	19	972	972	NUM
cblr-14258	101	20	,	,	PUNCT
cblr-14258	101	21	988	988	NUM
cblr-14258	101	22	(	(	PUNCT
cblr-14258	101	23	n.y	n.y	PROPN
cblr-14258	101	24	.	.	PROPN
cblr-14258	101	25	2020	2020	NUM
cblr-14258	101	26	)	)	PUNCT
cblr-14258	101	27	)	)	PUNCT
cblr-14258	101	28	.	.	PUNCT
cblr-14258	102	1	21	21	NUM
cblr-14258	102	2	am	am	PROPN
cblr-14258	102	3	.	.	PUNCT
cblr-14258	103	1	econ	econ	PROPN
cblr-14258	103	2	.	.	PUNCT
cblr-14258	104	1	ins	ins	PROPN
cblr-14258	104	2	.	.	PUNCT
cblr-14258	104	3	co.	co.	PROPN
cblr-14258	104	4	v.	v.	ADP
cblr-14258	104	5	state	state	PROPN
cblr-14258	104	6	,	,	PUNCT
cblr-14258	104	7	87	87	NUM
cblr-14258	104	8	n.e.3d	n.e.3d	NUM
cblr-14258	104	9	126	126	NUM
cblr-14258	104	10	,	,	PUNCT
cblr-14258	104	11	134	134	NUM
cblr-14258	104	12	(	(	PUNCT
cblr-14258	104	13	n.y	n.y	PROPN
cblr-14258	104	14	.	.	PROPN
cblr-14258	104	15	2017	2017	NUM
cblr-14258	104	16	)	)	PUNCT
cblr-14258	104	17	.	.	PUNCT
cblr-14258	105	1	22	22	NUM
cblr-14258	105	2	regina	regina	PROPN
cblr-14258	105	3	metro	metro	PROPN
cblr-14258	105	4	.	.	PUNCT
cblr-14258	105	5	co.	co.	PROPN
cblr-14258	105	6	,	,	PUNCT
cblr-14258	105	7	llc	llc	PROPN
cblr-14258	105	8	v.	v.	PROPN
cblr-14258	105	9	n.y	n.y	PROPN
cblr-14258	105	10	.	.	PROPN
cblr-14258	105	11	state	state	PROPN
cblr-14258	105	12	div	div	PROPN
cblr-14258	105	13	.	.	PUNCT
cblr-14258	105	14	of	of	ADP
cblr-14258	105	15	hous	hous	ADJ
cblr-14258	105	16	.	.	PUNCT
cblr-14258	105	17	&	&	CCONJ
cblr-14258	105	18	community	community	PROPN
cblr-14258	105	19	renewal	renewal	PROPN
cblr-14258	105	20	,	,	PUNCT
cblr-14258	105	21	154	154	NUM
cblr-14258	105	22	n.e.3d	n.e.3d	NUM
cblr-14258	105	23	972	972	NUM
cblr-14258	105	24	,	,	PUNCT
cblr-14258	105	25	991	991	NUM
cblr-14258	105	26	(	(	PUNCT
cblr-14258	105	27	n.y	n.y	PROPN
cblr-14258	105	28	.	.	PROPN
cblr-14258	105	29	2020	2020	NUM
cblr-14258	105	30	)	)	PUNCT
cblr-14258	105	31	.	.	PUNCT
cblr-14258	106	1	23	23	NUM
cblr-14258	106	2	s.b	s.b	PROPN
cblr-14258	106	3	.	.	PUNCT
cblr-14258	107	1	s5473d	s5473d	PROPN
cblr-14258	107	2	§	§	PROPN
cblr-14258	107	3	10	10	NUM
cblr-14258	107	4	(	(	PUNCT
cblr-14258	107	5	n.y	n.y	PROPN
cblr-14258	107	6	.	.	PROPN
cblr-14258	107	7	2021	2021	NUM
cblr-14258	107	8	)	)	PUNCT
cblr-14258	107	9	.	.	PUNCT
cblr-14258	108	1	24	24	NUM
cblr-14258	108	2	ditech	ditech	NOUN
cblr-14258	108	3	fin	fin	NOUN
cblr-14258	108	4	.	.	PUNCT
cblr-14258	109	1	llc	llc	PROPN
cblr-14258	109	2	v.	v.	PROPN
cblr-14258	109	3	naidu	naidu	PROPN
cblr-14258	109	4	,	,	PUNCT
cblr-14258	109	5	206	206	NUM
cblr-14258	109	6	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	109	7	441	441	NUM
cblr-14258	109	8	,	,	PUNCT
cblr-14258	109	9	447	447	NUM
cblr-14258	109	10	(	(	PUNCT
cblr-14258	109	11	n.y	n.y	PROPN
cblr-14258	109	12	.	.	PROPN
cblr-14258	109	13	sup	sup	PROPN
cblr-14258	109	14	.	.	PUNCT
cblr-14258	110	1	ct	ct	NUM
cblr-14258	110	2	.	.	PROPN
cblr-14258	110	3	2023	2023	NUM
cblr-14258	110	4	)	)	PUNCT
cblr-14258	110	5	.	.	PUNCT
cblr-14258	111	1	25	25	NUM
cblr-14258	112	1	i	i	PRON
cblr-14258	112	2	d.	d.	NOUN
cblr-14258	112	3	at	at	ADP
cblr-14258	112	4	447–48	447–48	PROPN
cblr-14258	112	5	.	.	PUNCT
cblr-14258	113	1	no	no	INTJ
cblr-14258	113	2	.	.	NOUN
cblr-14258	113	3	1	1	NUM
cblr-14258	113	4	]	]	PUNCT
cblr-14258	113	5	retroactive	retroactive	ADJ
cblr-14258	113	6	application	application	NOUN
cblr-14258	113	7	of	of	ADP
cblr-14258	113	8	the	the	DET
cblr-14258	113	9	ny	ny	PROPN
cblr-14258	113	10	fapa	fapa	PROPN
cblr-14258	113	11	623	623	NUM
cblr-14258	113	12	filed	file	VERB
cblr-14258	113	13	a	a	DET
cblr-14258	113	14	motion	motion	NOUN
cblr-14258	113	15	to	to	PART
cblr-14258	113	16	renew	renew	VERB
cblr-14258	113	17	and	and	CCONJ
cblr-14258	113	18	argued	argue	VERB
cblr-14258	113	19	that	that	SCONJ
cblr-14258	113	20	fapa	fapa	NOUN
cblr-14258	113	21	would	would	AUX
cblr-14258	113	22	now	now	ADV
cblr-14258	113	23	establish	establish	VERB
cblr-14258	113	24	the	the	DET
cblr-14258	113	25	statute	statute	NOUN
cblr-14258	113	26	of	of	ADP
cblr-14258	113	27	limitations	limitation	NOUN
cblr-14258	113	28	defense	defense	NOUN
cblr-14258	113	29	that	that	PRON
cblr-14258	113	30	was	be	AUX
cblr-14258	113	31	dismissed.26	dismissed.26	ADJ
cblr-14258	113	32	the	the	DET
cblr-14258	113	33	supreme	supreme	PROPN
cblr-14258	113	34	court	court	PROPN
cblr-14258	113	35	in	in	ADP
cblr-14258	113	36	queens	queen	NOUN
cblr-14258	113	37	county	county	PROPN
cblr-14258	113	38	granted	grant	VERB
cblr-14258	113	39	the	the	DET
cblr-14258	113	40	motion	motion	NOUN
cblr-14258	113	41	and	and	CCONJ
cblr-14258	113	42	applied	apply	VERB
cblr-14258	113	43	fapa	fapa	NOUN
cblr-14258	113	44	retroactively	retroactively	ADV
cblr-14258	113	45	;	;	PUNCT
cblr-14258	113	46	it	it	PRON
cblr-14258	113	47	stated	state	VERB
cblr-14258	113	48	that	that	SCONJ
cblr-14258	113	49	there	there	PRON
cblr-14258	113	50	is	be	VERB
cblr-14258	113	51	no	no	DET
cblr-14258	113	52	presumption	presumption	NOUN
cblr-14258	113	53	against	against	ADP
cblr-14258	113	54	applying	apply	VERB
cblr-14258	113	55	fapa	fapa	NOUN
cblr-14258	113	56	retroactively	retroactively	ADV
cblr-14258	113	57	in	in	ADP
cblr-14258	113	58	this	this	DET
cblr-14258	113	59	case	case	NOUN
cblr-14258	113	60	because	because	SCONJ
cblr-14258	113	61	here	here	ADV
cblr-14258	113	62	fapa	fapa	NOUN
cblr-14258	113	63	does	do	AUX
cblr-14258	113	64	not	not	PART
cblr-14258	113	65	“	"	PUNCT
cblr-14258	113	66	attach	attach	VERB
cblr-14258	113	67	new	new	ADJ
cblr-14258	113	68	legal	legal	ADJ
cblr-14258	113	69	consequences	consequence	NOUN
cblr-14258	113	70	to	to	ADP
cblr-14258	113	71	events	event	NOUN
cblr-14258	113	72	completed	complete	VERB
cblr-14258	113	73	”	"	PUNCT
cblr-14258	113	74	but	but	CCONJ
cblr-14258	113	75	rather	rather	ADV
cblr-14258	113	76	“	"	PUNCT
cblr-14258	113	77	restores	restore	VERB
cblr-14258	113	78	the	the	DET
cblr-14258	113	79	legal	legal	ADJ
cblr-14258	113	80	consequence	consequence	NOUN
cblr-14258	113	81	of	of	ADP
cblr-14258	113	82	plaintiff	plaintiff	NOUN
cblr-14258	113	83	’s	’s	PART
cblr-14258	113	84	2009	2009	NUM
cblr-14258	113	85	discontinuance	discontinuance	NOUN
cblr-14258	113	86	,	,	PUNCT
cblr-14258	113	87	”	"	PUNCT
cblr-14258	113	88	namely	namely	ADV
cblr-14258	113	89	the	the	DET
cblr-14258	113	90	appellate	appellate	ADJ
cblr-14258	113	91	division	division	NOUN
cblr-14258	113	92	’s	’s	PART
cblr-14258	113	93	decision	decision	NOUN
cblr-14258	113	94	in	in	ADP
cblr-14258	113	95	2019	2019	NUM
cblr-14258	113	96	that	that	SCONJ
cblr-14258	113	97	there	there	PRON
cblr-14258	113	98	was	be	VERB
cblr-14258	113	99	no	no	DET
cblr-14258	113	100	valid	valid	ADJ
cblr-14258	113	101	de	de	NOUN
cblr-14258	113	102	-	-	NOUN
cblr-14258	113	103	acceleration.27	acceleration.27	NOUN
cblr-14258	113	104	in	in	ADP
cblr-14258	113	105	other	other	ADJ
cblr-14258	113	106	words	word	NOUN
cblr-14258	113	107	,	,	PUNCT
cblr-14258	113	108	restoring	restore	VERB
cblr-14258	113	109	a	a	DET
cblr-14258	113	110	prior	prior	ADJ
cblr-14258	113	111	ruling	ruling	NOUN
cblr-14258	113	112	before	before	SCONJ
cblr-14258	113	113	engel	engel	PROPN
cblr-14258	113	114	is	be	AUX
cblr-14258	113	115	not	not	PART
cblr-14258	113	116	deemed	deem	VERB
cblr-14258	113	117	an	an	DET
cblr-14258	113	118	attachment	attachment	NOUN
cblr-14258	113	119	of	of	ADP
cblr-14258	113	120	new	new	ADJ
cblr-14258	113	121	legal	legal	ADJ
cblr-14258	113	122	consequences	consequence	NOUN
cblr-14258	113	123	.	.	PUNCT
cblr-14258	114	1	in	in	ADP
cblr-14258	114	2	the	the	DET
cblr-14258	114	3	majority	majority	NOUN
cblr-14258	114	4	of	of	ADP
cblr-14258	114	5	existing	exist	VERB
cblr-14258	114	6	fapa	fapa	NOUN
cblr-14258	114	7	cases	case	NOUN
cblr-14258	114	8	,	,	PUNCT
cblr-14258	114	9	however	however	ADV
cblr-14258	114	10	,	,	PUNCT
cblr-14258	114	11	there	there	PRON
cblr-14258	114	12	is	be	VERB
cblr-14258	114	13	not	not	PART
cblr-14258	114	14	a	a	DET
cblr-14258	114	15	prior	prior	ADJ
cblr-14258	114	16	pre	pre	ADJ
cblr-14258	114	17	-	-	ADJ
cblr-14258	114	18	engel	engel	ADJ
cblr-14258	114	19	ruling	ruling	NOUN
cblr-14258	114	20	as	as	ADP
cblr-14258	114	21	in	in	ADP
cblr-14258	114	22	naidu	naidu	PROPN
cblr-14258	114	23	.	.	PUNCT
cblr-14258	115	1	in	in	ADP
cblr-14258	115	2	these	these	DET
cblr-14258	115	3	cases	case	NOUN
cblr-14258	115	4	,	,	PUNCT
cblr-14258	115	5	the	the	DET
cblr-14258	115	6	discontinuance	discontinuance	NOUN
cblr-14258	115	7	,	,	PUNCT
cblr-14258	115	8	pursuant	pursuant	ADJ
cblr-14258	115	9	to	to	ADP
cblr-14258	115	10	engel	engel	PROPN
cblr-14258	115	11	,	,	PUNCT
cblr-14258	115	12	had	have	AUX
cblr-14258	115	13	always	always	ADV
cblr-14258	115	14	been	be	AUX
cblr-14258	115	15	deemed	deem	VERB
cblr-14258	115	16	a	a	DET
cblr-14258	115	17	valid	valid	ADJ
cblr-14258	115	18	de	de	ADJ
cblr-14258	115	19	-	-	NOUN
cblr-14258	115	20	acceleration	acceleration	ADJ
cblr-14258	115	21	tolling	tolling	NOUN
cblr-14258	115	22	or	or	CCONJ
cblr-14258	115	23	resetting	reset	VERB
cblr-14258	115	24	the	the	DET
cblr-14258	115	25	statute	statute	NOUN
cblr-14258	115	26	of	of	ADP
cblr-14258	115	27	limitations;28	limitations;28	NOUN
cblr-14258	115	28	applying	apply	VERB
cblr-14258	115	29	fapa	fapa	NOUN
cblr-14258	115	30	retroactively	retroactively	ADV
cblr-14258	115	31	would	would	AUX
cblr-14258	115	32	reverse	reverse	VERB
cblr-14258	115	33	that	that	DET
cblr-14258	115	34	ruling	ruling	NOUN
cblr-14258	115	35	and	and	CCONJ
cblr-14258	115	36	thus	thus	ADV
cblr-14258	115	37	attach	attach	VERB
cblr-14258	115	38	a	a	DET
cblr-14258	115	39	new	new	ADJ
cblr-14258	115	40	legal	legal	ADJ
cblr-14258	115	41	consequence	consequence	NOUN
cblr-14258	115	42	,	,	PUNCT
cblr-14258	115	43	not	not	PART
cblr-14258	115	44	restore	restore	VERB
cblr-14258	115	45	one	one	NUM
cblr-14258	115	46	.	.	PUNCT
cblr-14258	116	1	therefore	therefore	ADV
cblr-14258	116	2	,	,	PUNCT
cblr-14258	116	3	courts	court	NOUN
cblr-14258	116	4	facing	face	VERB
cblr-14258	116	5	a	a	DET
cblr-14258	116	6	challenge	challenge	NOUN
cblr-14258	116	7	of	of	ADP
cblr-14258	116	8	fapa	fapa	NOUN
cblr-14258	116	9	’s	’s	PART
cblr-14258	116	10	retroactive	retroactive	ADJ
cblr-14258	116	11	application	application	NOUN
cblr-14258	116	12	in	in	ADP
cblr-14258	116	13	such	such	ADJ
cblr-14258	116	14	cases	case	NOUN
cblr-14258	116	15	acknowledged	acknowledge	VERB
cblr-14258	116	16	that	that	SCONJ
cblr-14258	116	17	fapa	fapa	NOUN
cblr-14258	116	18	’s	’s	PART
cblr-14258	116	19	application	application	NOUN
cblr-14258	116	20	would	would	AUX
cblr-14258	116	21	have	have	VERB
cblr-14258	116	22	retroactive	retroactive	ADJ
cblr-14258	116	23	effect	effect	NOUN
cblr-14258	116	24	.	.	PUNCT
cblr-14258	117	1	in	in	ADP
cblr-14258	117	2	u.s	u.s	PROPN
cblr-14258	117	3	.	.	PROPN
cblr-14258	117	4	bank	bank	PROPN
cblr-14258	117	5	national	national	PROPN
cblr-14258	117	6	association	association	PROPN
cblr-14258	117	7	v.	v.	CCONJ
cblr-14258	117	8	speller	speller	PROPN
cblr-14258	117	9	,	,	PUNCT
cblr-14258	117	10	for	for	ADP
cblr-14258	117	11	example	example	NOUN
cblr-14258	117	12	,	,	PUNCT
cblr-14258	117	13	the	the	DET
cblr-14258	117	14	putnam	putnam	PROPN
cblr-14258	117	15	county	county	PROPN
cblr-14258	117	16	supreme	supreme	PROPN
cblr-14258	117	17	court	court	PROPN
cblr-14258	117	18	noted	note	VERB
cblr-14258	117	19	that	that	SCONJ
cblr-14258	117	20	applying	apply	VERB
cblr-14258	117	21	fapa	fapa	NOUN
cblr-14258	117	22	retroactively	retroactively	ADV
cblr-14258	117	23	to	to	ADP
cblr-14258	117	24	the	the	DET
cblr-14258	117	25	mortgagee	mortgagee	NOUN
cblr-14258	117	26	’s	’s	PART
cblr-14258	117	27	fourth	fourth	ADJ
cblr-14258	117	28	foreclosure	foreclosure	NOUN
cblr-14258	117	29	action	action	NOUN
cblr-14258	117	30	would	would	AUX
cblr-14258	117	31	render	render	VERB
cblr-14258	117	32	the	the	DET
cblr-14258	117	33	parties	party	NOUN
cblr-14258	117	34	’	’	PART
cblr-14258	117	35	repayment	repayment	NOUN
cblr-14258	117	36	plan	plan	NOUN
cblr-14258	117	37	agreement	agreement	NOUN
cblr-14258	117	38	ineffective	ineffective	ADJ
cblr-14258	117	39	as	as	ADP
cblr-14258	117	40	a	a	DET
cblr-14258	117	41	means	means	NOUN
cblr-14258	117	42	to	to	PART
cblr-14258	117	43	revoke	revoke	VERB
cblr-14258	117	44	its	its	PRON
cblr-14258	117	45	prior	prior	ADJ
cblr-14258	117	46	acceleration	acceleration	NOUN
cblr-14258	117	47	,	,	PUNCT
cblr-14258	117	48	reinstate	reinstate	VERB
cblr-14258	117	49	the	the	DET
cblr-14258	117	50	parties	party	NOUN
cblr-14258	117	51	’	’	PART
cblr-14258	117	52	rights	right	NOUN
cblr-14258	117	53	and	and	CCONJ
cblr-14258	117	54	obligations	obligation	NOUN
cblr-14258	117	55	,	,	PUNCT
cblr-14258	117	56	and	and	CCONJ
cblr-14258	117	57	“	"	PUNCT
cblr-14258	117	58	de	de	ADJ
cblr-14258	117	59	-	-	NOUN
cblr-14258	117	60	accrue	accrue	NOUN
cblr-14258	117	61	”	"	PUNCT
cblr-14258	117	62	the	the	DET
cblr-14258	117	63	prior	prior	ADJ
cblr-14258	117	64	claim	claim	NOUN
cblr-14258	117	65	to	to	PART
cblr-14258	117	66	recover	recover	VERB
cblr-14258	117	67	the	the	DET
cblr-14258	117	68	debt	debt	NOUN
cblr-14258	117	69	for	for	ADP
cblr-14258	117	70	purposes	purpose	NOUN
cblr-14258	117	71	of	of	ADP
cblr-14258	117	72	the	the	DET
cblr-14258	117	73	statute	statute	NOUN
cblr-14258	117	74	of	of	ADP
cblr-14258	117	75	limitations	limitation	NOUN
cblr-14258	117	76	;	;	PUNCT
cblr-14258	117	77	fapa	fapa	NOUN
cblr-14258	117	78	would	would	AUX
cblr-14258	117	79	then	then	ADV
cblr-14258	117	80	have	have	VERB
cblr-14258	117	81	a	a	DET
cblr-14258	117	82	plain	plain	ADJ
cblr-14258	117	83	retroactive	retroactive	ADJ
cblr-14258	117	84	effect	effect	NOUN
cblr-14258	117	85	impairing	impair	VERB
cblr-14258	117	86	contractual	contractual	ADJ
cblr-14258	117	87	rights	right	NOUN
cblr-14258	117	88	,	,	PUNCT
cblr-14258	117	89	“	"	PUNCT
cblr-14258	117	90	upsetting	upsetting	ADJ
cblr-14258	117	91	reliance	reliance	NOUN
cblr-14258	117	92	interests	interest	NOUN
cblr-14258	117	93	and	and	CCONJ
cblr-14258	117	94	triggering	trigger	VERB
cblr-14258	117	95	fundamental	fundamental	ADJ
cblr-14258	117	96	concerns	concern	NOUN
cblr-14258	117	97	about	about	ADP
cblr-14258	117	98	fairness	fairness	NOUN
cblr-14258	117	99	.	.	PUNCT
cblr-14258	118	1	”29	”29	PUNCT
cblr-14258	118	2	nonetheless	nonetheless	ADV
cblr-14258	118	3	,	,	PUNCT
cblr-14258	118	4	even	even	ADV
cblr-14258	118	5	if	if	SCONJ
cblr-14258	118	6	the	the	DET
cblr-14258	118	7	presumption	presumption	NOUN
cblr-14258	118	8	against	against	ADP
cblr-14258	118	9	retroactivity	retroactivity	NOUN
cblr-14258	118	10	is	be	AUX
cblr-14258	118	11	26	26	NUM
cblr-14258	118	12	i	i	PRON
cblr-14258	118	13	d.	d.	PROPN
cblr-14258	118	14	at	at	ADP
cblr-14258	118	15	449	449	NUM
cblr-14258	118	16	.	.	NOUN
cblr-14258	118	17	27	27	NUM
cblr-14258	119	1	i	i	PRON
cblr-14258	119	2	d.	d.	NOUN
cblr-14258	119	3	at	at	ADP
cblr-14258	119	4	449	449	NUM
cblr-14258	119	5	.	.	PUNCT
cblr-14258	119	6	28	28	NUM
cblr-14258	119	7	see	see	VERB
cblr-14258	119	8	,	,	PUNCT
cblr-14258	119	9	e.g.	e.g.	ADV
cblr-14258	119	10	,	,	PUNCT
cblr-14258	119	11	u.s	u.s	PROPN
cblr-14258	119	12	.	.	PROPN
cblr-14258	119	13	bank	bank	PROPN
cblr-14258	119	14	tr	tr	VERB
cblr-14258	119	15	.	.	PROPN
cblr-14258	119	16	,	,	PUNCT
cblr-14258	119	17	n.a	n.a	PROPN
cblr-14258	119	18	.	.	PROPN
cblr-14258	120	1	v.	v.	PROPN
cblr-14258	120	2	miele	miele	PROPN
cblr-14258	120	3	,	,	PUNCT
cblr-14258	120	4	197	197	NUM
cblr-14258	120	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	120	6	656	656	NUM
cblr-14258	120	7	,	,	PUNCT
cblr-14258	120	8	667	667	NUM
cblr-14258	120	9	(	(	PUNCT
cblr-14258	120	10	n.y	n.y	PROPN
cblr-14258	120	11	.	.	PROPN
cblr-14258	120	12	sup	sup	PROPN
cblr-14258	120	13	.	.	PUNCT
cblr-14258	121	1	ct	ct	NUM
cblr-14258	121	2	.	.	PROPN
cblr-14258	121	3	2023	2023	NUM
cblr-14258	121	4	)	)	PUNCT
cblr-14258	121	5	.	.	PUNCT
cblr-14258	122	1	29	29	NUM
cblr-14258	122	2	u.s	u.s	PROPN
cblr-14258	122	3	.	.	PROPN
cblr-14258	122	4	bank	bank	PROPN
cblr-14258	122	5	nat’l	nat’l	VERB
cblr-14258	122	6	ass’n	ass’n	PROPN
cblr-14258	122	7	v.	v.	CCONJ
cblr-14258	122	8	speller	speller	NOUN
cblr-14258	122	9	,	,	PUNCT
cblr-14258	122	10	197	197	NUM
cblr-14258	122	11	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	122	12	925	925	NUM
cblr-14258	122	13	,	,	PUNCT
cblr-14258	122	14	at	at	ADP
cblr-14258	122	15	*	*	PROPN
cblr-14258	122	16	16	16	NUM
cblr-14258	122	17	(	(	PUNCT
cblr-14258	122	18	n.y	n.y	PROPN
cblr-14258	122	19	.	.	PROPN
cblr-14258	122	20	sup	sup	PROPN
cblr-14258	122	21	.	.	PUNCT
cblr-14258	123	1	ct	ct	PROPN
cblr-14258	123	2	.	.	PUNCT
cblr-14258	123	3	oct	oct	PROPN
cblr-14258	123	4	.	.	PROPN
cblr-14258	123	5	31	31	NUM
cblr-14258	123	6	,	,	PUNCT
cblr-14258	123	7	2023	2023	NUM
cblr-14258	123	8	)	)	PUNCT
cblr-14258	123	9	.	.	PUNCT
cblr-14258	124	1	624	624	NUM
cblr-14258	124	2	columbia	columbia	PROPN
cblr-14258	124	3	business	business	NOUN
cblr-14258	124	4	law	law	PROPN
cblr-14258	124	5	review	review	NOUN
cblr-14258	124	6	[	[	X
cblr-14258	124	7	vol	vol	NOUN
cblr-14258	124	8	.	.	PUNCT
cblr-14258	124	9	2025	2025	NUM
cblr-14258	124	10	triggered	trigger	VERB
cblr-14258	124	11	in	in	ADP
cblr-14258	124	12	these	these	DET
cblr-14258	124	13	scenarios	scenario	NOUN
cblr-14258	124	14	,	,	PUNCT
cblr-14258	124	15	it	it	PRON
cblr-14258	124	16	would	would	AUX
cblr-14258	124	17	not	not	PART
cblr-14258	124	18	be	be	AUX
cblr-14258	124	19	the	the	DET
cblr-14258	124	20	end	end	NOUN
cblr-14258	124	21	of	of	ADP
cblr-14258	124	22	the	the	DET
cblr-14258	124	23	inquiry	inquiry	NOUN
cblr-14258	124	24	.	.	PUNCT
cblr-14258	125	1	instead	instead	ADV
cblr-14258	125	2	of	of	ADP
cblr-14258	125	3	directly	directly	ADV
cblr-14258	125	4	ruling	rule	VERB
cblr-14258	125	5	against	against	ADP
cblr-14258	125	6	retroactivity	retroactivity	NOUN
cblr-14258	125	7	,	,	PUNCT
cblr-14258	125	8	the	the	DET
cblr-14258	125	9	courts	court	NOUN
cblr-14258	125	10	would	would	AUX
cblr-14258	125	11	move	move	VERB
cblr-14258	125	12	on	on	ADP
cblr-14258	125	13	to	to	ADP
cblr-14258	125	14	the	the	DET
cblr-14258	125	15	second	second	ADJ
cblr-14258	125	16	step	step	NOUN
cblr-14258	125	17	:	:	PUNCT
cblr-14258	125	18	the	the	DET
cblr-14258	125	19	matter	matter	NOUN
cblr-14258	125	20	of	of	ADP
cblr-14258	125	21	gleason	gleason	PROPN
cblr-14258	125	22	test	test	PROPN
cblr-14258	125	23	.	.	PUNCT
cblr-14258	126	1	this	this	PRON
cblr-14258	126	2	turns	turn	VERB
cblr-14258	126	3	out	out	ADP
cblr-14258	126	4	to	to	PART
cblr-14258	126	5	be	be	AUX
cblr-14258	126	6	an	an	DET
cblr-14258	126	7	issue	issue	NOUN
cblr-14258	126	8	on	on	ADP
cblr-14258	126	9	which	which	PRON
cblr-14258	126	10	the	the	DET
cblr-14258	126	11	lower	low	ADJ
cblr-14258	126	12	courts	court	NOUN
cblr-14258	126	13	have	have	VERB
cblr-14258	126	14	differing	differ	VERB
cblr-14258	126	15	opinions	opinion	NOUN
cblr-14258	126	16	.	.	PUNCT
cblr-14258	127	1	b.	b.	VERB
cblr-14258	127	2	the	the	DET
cblr-14258	127	3	matter	matter	NOUN
cblr-14258	127	4	of	of	ADP
cblr-14258	127	5	gleason	gleason	PROPN
cblr-14258	127	6	test	test	NOUN
cblr-14258	127	7	in	in	ADP
cblr-14258	127	8	2001	2001	NUM
cblr-14258	127	9	,	,	PUNCT
cblr-14258	127	10	the	the	DET
cblr-14258	127	11	court	court	NOUN
cblr-14258	127	12	of	of	ADP
cblr-14258	127	13	appeals	appeal	NOUN
cblr-14258	127	14	elucidated	elucidate	VERB
cblr-14258	127	15	in	in	ADP
cblr-14258	127	16	matter	matter	NOUN
cblr-14258	127	17	of	of	ADP
cblr-14258	127	18	gleason	gleason	PROPN
cblr-14258	127	19	that	that	PRON
cblr-14258	127	20	statutes	statute	NOUN
cblr-14258	127	21	with	with	ADP
cblr-14258	127	22	retroactive	retroactive	ADJ
cblr-14258	127	23	effects	effect	NOUN
cblr-14258	127	24	and	and	CCONJ
cblr-14258	127	25	presumption	presumption	NOUN
cblr-14258	127	26	against	against	ADP
cblr-14258	127	27	retroactivity	retroactivity	NOUN
cblr-14258	127	28	may	may	AUX
cblr-14258	127	29	still	still	ADV
cblr-14258	127	30	be	be	AUX
cblr-14258	127	31	applied	apply	VERB
cblr-14258	127	32	retroactively	retroactively	ADV
cblr-14258	127	33	if	if	SCONJ
cblr-14258	127	34	“	"	PUNCT
cblr-14258	127	35	the	the	DET
cblr-14258	127	36	legislature	legislature	NOUN
cblr-14258	127	37	’s	’s	PART
cblr-14258	127	38	preference	preference	NOUN
cblr-14258	127	39	for	for	ADP
cblr-14258	127	40	retroactivity	retroactivity	NOUN
cblr-14258	127	41	is	be	AUX
cblr-14258	127	42	explicitly	explicitly	ADV
cblr-14258	127	43	stated	state	VERB
cblr-14258	127	44	or	or	CCONJ
cblr-14258	127	45	clearly	clearly	ADV
cblr-14258	127	46	indicated	indicate	VERB
cblr-14258	127	47	,	,	PUNCT
cblr-14258	127	48	”	"	PUNCT
cblr-14258	127	49	and	and	CCONJ
cblr-14258	127	50	“	"	PUNCT
cblr-14258	127	51	remedial	remedial	ADJ
cblr-14258	127	52	legislation	legislation	NOUN
cblr-14258	127	53	should	should	AUX
cblr-14258	127	54	be	be	AUX
cblr-14258	127	55	given	give	VERB
cblr-14258	127	56	retroactive	retroactive	ADJ
cblr-14258	127	57	effect	effect	NOUN
cblr-14258	127	58	in	in	ADP
cblr-14258	127	59	order	order	NOUN
cblr-14258	127	60	to	to	PART
cblr-14258	127	61	effectuate	effectuate	VERB
cblr-14258	127	62	its	its	PRON
cblr-14258	127	63	beneficial	beneficial	ADJ
cblr-14258	127	64	purpose	purpose	NOUN
cblr-14258	127	65	.	.	PUNCT
cblr-14258	128	1	”30	”30	VERB
cblr-14258	128	2	a	a	DET
cblr-14258	128	3	remedial	remedial	ADJ
cblr-14258	128	4	statute	statute	NOUN
cblr-14258	128	5	is	be	AUX
cblr-14258	128	6	designed	design	VERB
cblr-14258	128	7	to	to	PART
cblr-14258	128	8	“	"	PUNCT
cblr-14258	128	9	correct	correct	VERB
cblr-14258	128	10	imperfections	imperfection	NOUN
cblr-14258	128	11	in	in	ADP
cblr-14258	128	12	prior	prior	ADJ
cblr-14258	128	13	law	law	NOUN
cblr-14258	128	14	by	by	ADP
cblr-14258	128	15	generally	generally	ADV
cblr-14258	128	16	giving	give	VERB
cblr-14258	128	17	relief	relief	NOUN
cblr-14258	128	18	to	to	ADP
cblr-14258	128	19	the	the	DET
cblr-14258	128	20	aggrieved	aggrieved	ADJ
cblr-14258	128	21	party	party	NOUN
cblr-14258	128	22	.	.	PUNCT
cblr-14258	129	1	”31	”31	PROPN
cblr-14258	130	1	in	in	ADP
cblr-14258	130	2	addition	addition	NOUN
cblr-14258	130	3	,	,	PUNCT
cblr-14258	130	4	other	other	ADJ
cblr-14258	130	5	factors	factor	NOUN
cblr-14258	130	6	to	to	PART
cblr-14258	130	7	consider	consider	VERB
cblr-14258	130	8	in	in	ADP
cblr-14258	130	9	the	the	DET
cblr-14258	130	10	retroactivity	retroactivity	NOUN
cblr-14258	130	11	analysis	analysis	NOUN
cblr-14258	130	12	include	include	VERB
cblr-14258	130	13	,	,	PUNCT
cblr-14258	130	14	“	"	PUNCT
cblr-14258	130	15	whether	whether	SCONJ
cblr-14258	130	16	the	the	DET
cblr-14258	130	17	legislature	legislature	NOUN
cblr-14258	130	18	has	have	AUX
cblr-14258	130	19	made	make	VERB
cblr-14258	130	20	a	a	DET
cblr-14258	130	21	specific	specific	ADJ
cblr-14258	130	22	pronouncement	pronouncement	NOUN
cblr-14258	130	23	about	about	ADP
cblr-14258	130	24	retroactive	retroactive	ADJ
cblr-14258	130	25	effect	effect	NOUN
cblr-14258	130	26	or	or	CCONJ
cblr-14258	130	27	conveyed	convey	VERB
cblr-14258	130	28	a	a	DET
cblr-14258	130	29	sense	sense	NOUN
cblr-14258	130	30	of	of	ADP
cblr-14258	130	31	urgency	urgency	NOUN
cblr-14258	130	32	;	;	PUNCT
cblr-14258	130	33	whether	whether	SCONJ
cblr-14258	130	34	the	the	DET
cblr-14258	130	35	statute	statute	NOUN
cblr-14258	130	36	was	be	AUX
cblr-14258	130	37	designed	design	VERB
cblr-14258	130	38	to	to	PART
cblr-14258	130	39	rewrite	rewrite	VERB
cblr-14258	130	40	an	an	DET
cblr-14258	130	41	unintended	unintended	ADJ
cblr-14258	130	42	judicial	judicial	ADJ
cblr-14258	130	43	interpretation	interpretation	NOUN
cblr-14258	130	44	;	;	PUNCT
cblr-14258	130	45	and	and	CCONJ
cblr-14258	130	46	whether	whether	SCONJ
cblr-14258	130	47	the	the	DET
cblr-14258	130	48	enactment	enactment	NOUN
cblr-14258	130	49	itself	itself	PRON
cblr-14258	130	50	reaffirms	reaffirm	VERB
cblr-14258	130	51	a	a	DET
cblr-14258	130	52	legislative	legislative	ADJ
cblr-14258	130	53	judgment	judgment	NOUN
cblr-14258	130	54	about	about	ADP
cblr-14258	130	55	what	what	PRON
cblr-14258	130	56	the	the	DET
cblr-14258	130	57	law	law	NOUN
cblr-14258	130	58	in	in	ADP
cblr-14258	130	59	question	question	NOUN
cblr-14258	130	60	should	should	AUX
cblr-14258	130	61	be	be	AUX
cblr-14258	130	62	.	.	PUNCT
cblr-14258	131	1	”32	”32	VERB
cblr-14258	131	2	this	this	PRON
cblr-14258	131	3	is	be	AUX
cblr-14258	131	4	the	the	DET
cblr-14258	131	5	matter	matter	NOUN
cblr-14258	131	6	of	of	ADP
cblr-14258	131	7	gleason	gleason	PROPN
cblr-14258	131	8	test	test	NOUN
cblr-14258	131	9	.	.	PUNCT
cblr-14258	132	1	many	many	ADJ
cblr-14258	132	2	of	of	ADP
cblr-14258	132	3	the	the	DET
cblr-14258	132	4	existing	exist	VERB
cblr-14258	132	5	fapa	fapa	NOUN
cblr-14258	132	6	cases	case	NOUN
cblr-14258	132	7	have	have	AUX
cblr-14258	132	8	acknowledged	acknowledge	VERB
cblr-14258	132	9	that	that	SCONJ
cblr-14258	132	10	the	the	DET
cblr-14258	132	11	legislature	legislature	NOUN
cblr-14258	132	12	clearly	clearly	ADV
cblr-14258	132	13	intended	intend	VERB
cblr-14258	132	14	fapa	fapa	NOUN
cblr-14258	132	15	to	to	PART
cblr-14258	132	16	be	be	AUX
cblr-14258	132	17	applied	apply	VERB
cblr-14258	132	18	retroactively	retroactively	ADV
cblr-14258	132	19	and	and	CCONJ
cblr-14258	132	20	that	that	SCONJ
cblr-14258	132	21	fapa	fapa	NOUN
cblr-14258	132	22	is	be	AUX
cblr-14258	132	23	a	a	DET
cblr-14258	132	24	remedial	remedial	ADJ
cblr-14258	132	25	law	law	NOUN
cblr-14258	132	26	.	.	PUNCT
cblr-14258	133	1	in	in	ADP
cblr-14258	133	2	u.s	u.s	PROPN
cblr-14258	133	3	.	.	PROPN
cblr-14258	133	4	bank	bank	PROPN
cblr-14258	133	5	trust	trust	PROPN
cblr-14258	133	6	v.	v.	ADP
cblr-14258	133	7	miele	miele	PROPN
cblr-14258	133	8	,	,	PUNCT
cblr-14258	133	9	the	the	DET
cblr-14258	133	10	supreme	supreme	PROPN
cblr-14258	133	11	&	&	CCONJ
cblr-14258	133	12	county	county	PROPN
cblr-14258	133	13	court	court	PROPN
cblr-14258	133	14	of	of	ADP
cblr-14258	133	15	westchester	westchester	PROPN
cblr-14258	133	16	county	county	PROPN
cblr-14258	133	17	noted	note	VERB
cblr-14258	133	18	the	the	DET
cblr-14258	133	19	legislative	legislative	ADJ
cblr-14258	133	20	intent	intent	NOUN
cblr-14258	133	21	behind	behind	ADP
cblr-14258	133	22	fapa	fapa	NOUN
cblr-14258	133	23	and	and	CCONJ
cblr-14258	133	24	determined	determine	VERB
cblr-14258	133	25	that	that	SCONJ
cblr-14258	133	26	fapa	fapa	NOUN
cblr-14258	133	27	’s	’s	PART
cblr-14258	133	28	“	"	PUNCT
cblr-14258	133	29	remedial	remedial	ADJ
cblr-14258	133	30	aim	aim	NOUN
cblr-14258	133	31	”	"	PUNCT
cblr-14258	133	32	is	be	AUX
cblr-14258	133	33	“	"	PUNCT
cblr-14258	133	34	to	to	PART
cblr-14258	133	35	thwart	thwart	VERB
cblr-14258	133	36	and	and	CCONJ
cblr-14258	133	37	eliminate	eliminate	VERB
cblr-14258	133	38	abusive	abusive	ADJ
cblr-14258	133	39	and	and	CCONJ
cblr-14258	133	40	unlawful	unlawful	ADJ
cblr-14258	133	41	litigation	litigation	NOUN
cblr-14258	133	42	tactics	tactic	NOUN
cblr-14258	133	43	that	that	PRON
cblr-14258	133	44	have	have	AUX
cblr-14258	133	45	been	be	AUX
cblr-14258	133	46	employed	employ	VERB
cblr-14258	133	47	by	by	ADP
cblr-14258	133	48	foreclosure	foreclosure	NOUN
cblr-14258	133	49	plaintiffs	plaintiff	NOUN
cblr-14258	133	50	.	.	PUNCT
cblr-14258	134	1	”33	”33	VERB
cblr-14258	134	2	the	the	DET
cblr-14258	134	3	legislature	legislature	NOUN
cblr-14258	134	4	’s	’s	PART
cblr-14258	134	5	preference	preference	NOUN
cblr-14258	134	6	for	for	ADP
cblr-14258	134	7	retroactivity	retroactivity	NOUN
cblr-14258	134	8	and	and	CCONJ
cblr-14258	134	9	sense	sense	NOUN
cblr-14258	134	10	of	of	ADP
cblr-14258	134	11	urgency	urgency	NOUN
cblr-14258	134	12	is	be	AUX
cblr-14258	134	13	also	also	ADV
cblr-14258	134	14	30	30	NUM
cblr-14258	134	15	in	in	ADP
cblr-14258	134	16	re	re	PROPN
cblr-14258	134	17	gleason	gleason	PROPN
cblr-14258	134	18	(	(	PUNCT
cblr-14258	134	19	michael	michael	PROPN
cblr-14258	134	20	vee	vee	PROPN
cblr-14258	134	21	,	,	PUNCT
cblr-14258	134	22	ltd	ltd	PROPN
cblr-14258	134	23	.	.	PROPN
cblr-14258	134	24	)	)	PUNCT
cblr-14258	134	25	,	,	PUNCT
cblr-14258	134	26	749	749	NUM
cblr-14258	134	27	n.e.2d	n.e.2d	NOUN
cblr-14258	134	28	724	724	NUM
cblr-14258	134	29	,	,	PUNCT
cblr-14258	134	30	726	726	NUM
cblr-14258	134	31	(	(	PUNCT
cblr-14258	134	32	n.y	n.y	PROPN
cblr-14258	134	33	.	.	PROPN
cblr-14258	134	34	2001	2001	NUM
cblr-14258	134	35	)	)	PUNCT
cblr-14258	134	36	.	.	PUNCT
cblr-14258	135	1	31	31	NUM
cblr-14258	135	2	see	see	VERB
cblr-14258	135	3	nelson	nelson	PROPN
cblr-14258	135	4	v.	v.	PROPN
cblr-14258	135	5	hsbc	hsbc	PROPN
cblr-14258	135	6	bank	bank	PROPN
cblr-14258	135	7	usa	usa	PROPN
cblr-14258	135	8	,	,	PUNCT
cblr-14258	135	9	929	929	NUM
cblr-14258	135	10	n.y.s.2d	n.y.s.2d	NUM
cblr-14258	135	11	259	259	NUM
cblr-14258	135	12	,	,	PUNCT
cblr-14258	135	13	263	263	NUM
cblr-14258	135	14	(	(	PUNCT
cblr-14258	135	15	n.y	n.y	PROPN
cblr-14258	135	16	.	.	PROPN
cblr-14258	135	17	app	app	PROPN
cblr-14258	135	18	.	.	PUNCT
cblr-14258	136	1	div	div	PROPN
cblr-14258	136	2	.	.	PUNCT
cblr-14258	136	3	2d	2d	NUM
cblr-14258	136	4	dep’t	dep’t	NOUN
cblr-14258	136	5	2011	2011	NUM
cblr-14258	136	6	)	)	PUNCT
cblr-14258	136	7	.	.	PUNCT
cblr-14258	137	1	32	32	NUM
cblr-14258	137	2	gleason	gleason	PROPN
cblr-14258	137	3	,	,	PUNCT
cblr-14258	137	4	749	749	NUM
cblr-14258	137	5	n.e.2d	n.e.2d	NOUN
cblr-14258	137	6	at	at	ADP
cblr-14258	137	7	726	726	NUM
cblr-14258	137	8	.	.	PUNCT
cblr-14258	137	9	33	33	NUM
cblr-14258	137	10	miele	miele	NOUN
cblr-14258	137	11	,	,	PUNCT
cblr-14258	137	12	197	197	NUM
cblr-14258	137	13	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	137	14	at	at	ADP
cblr-14258	137	15	666	666	NUM
cblr-14258	137	16	.	.	PUNCT
cblr-14258	138	1	no	no	INTJ
cblr-14258	138	2	.	.	NOUN
cblr-14258	138	3	1	1	NUM
cblr-14258	138	4	]	]	PUNCT
cblr-14258	138	5	retroactive	retroactive	ADJ
cblr-14258	138	6	application	application	NOUN
cblr-14258	138	7	of	of	ADP
cblr-14258	138	8	the	the	DET
cblr-14258	138	9	ny	ny	PROPN
cblr-14258	138	10	fapa	fapa	PROPN
cblr-14258	138	11	625	625	NUM
cblr-14258	138	12	evident	evident	ADJ
cblr-14258	138	13	in	in	ADP
cblr-14258	138	14	the	the	DET
cblr-14258	138	15	language	language	NOUN
cblr-14258	138	16	of	of	ADP
cblr-14258	138	17	section	section	NOUN
cblr-14258	138	18	10	10	NUM
cblr-14258	138	19	,	,	PUNCT
cblr-14258	138	20	that	that	SCONJ
cblr-14258	138	21	the	the	DET
cblr-14258	138	22	act	act	NOUN
cblr-14258	138	23	“	"	PUNCT
cblr-14258	138	24	shall	shall	AUX
cblr-14258	138	25	take	take	VERB
cblr-14258	138	26	effect	effect	NOUN
cblr-14258	138	27	immediately	immediately	ADV
cblr-14258	138	28	and	and	CCONJ
cblr-14258	138	29	shall	shall	AUX
cblr-14258	138	30	apply	apply	VERB
cblr-14258	138	31	to	to	ADP
cblr-14258	138	32	all	all	PRON
cblr-14258	138	33	.	.	PUNCT
cblr-14258	138	34	.	.	PUNCT
cblr-14258	138	35	.	.	PUNCT
cblr-14258	139	1	[	[	X
cblr-14258	139	2	foreclosure	foreclosure	NOUN
cblr-14258	139	3	actions	action	NOUN
cblr-14258	139	4	]	]	PUNCT
cblr-14258	139	5	in	in	ADP
cblr-14258	139	6	which	which	PRON
cblr-14258	139	7	a	a	DET
cblr-14258	139	8	final	final	ADJ
cblr-14258	139	9	judgment	judgment	NOUN
cblr-14258	139	10	of	of	ADP
cblr-14258	139	11	foreclosure	foreclosure	NOUN
cblr-14258	139	12	and	and	CCONJ
cblr-14258	139	13	sale	sale	NOUN
cblr-14258	139	14	has	have	AUX
cblr-14258	139	15	not	not	PART
cblr-14258	139	16	been	be	AUX
cblr-14258	139	17	enforced	enforce	VERB
cblr-14258	139	18	.	.	PUNCT
cblr-14258	140	1	”34	”34	PROPN
cblr-14258	141	1	likewise	likewise	ADV
cblr-14258	141	2	,	,	PUNCT
cblr-14258	141	3	the	the	DET
cblr-14258	141	4	nassau	nassau	PROPN
cblr-14258	141	5	county	county	PROPN
cblr-14258	141	6	supreme	supreme	PROPN
cblr-14258	141	7	court	court	PROPN
cblr-14258	141	8	noted	note	VERB
cblr-14258	141	9	in	in	ADP
cblr-14258	141	10	u.s	u.s	PROPN
cblr-14258	141	11	.	.	PROPN
cblr-14258	141	12	bank	bank	PROPN
cblr-14258	141	13	trust	trust	PROPN
cblr-14258	141	14	v.	v.	ADP
cblr-14258	141	15	leonardo	leonardo	PROPN
cblr-14258	141	16	that	that	PRON
cblr-14258	141	17	fapa	fapa	NOUN
cblr-14258	141	18	’s	’s	PART
cblr-14258	141	19	sponsors	sponsor	NOUN
cblr-14258	141	20	described	describe	VERB
cblr-14258	141	21	the	the	DET
cblr-14258	141	22	statute	statute	NOUN
cblr-14258	141	23	as	as	ADP
cblr-14258	141	24	“	"	PUNCT
cblr-14258	141	25	remedial	remedial	ADJ
cblr-14258	141	26	legislation	legislation	NOUN
cblr-14258	141	27	”	"	PUNCT
cblr-14258	141	28	seeking	seek	VERB
cblr-14258	141	29	to	to	PART
cblr-14258	141	30	“	"	PUNCT
cblr-14258	141	31	level	level	VERB
cblr-14258	141	32	the	the	DET
cblr-14258	141	33	playing	play	VERB
cblr-14258	141	34	field	field	NOUN
cblr-14258	141	35	for	for	ADP
cblr-14258	141	36	all	all	DET
cblr-14258	141	37	parties	party	NOUN
cblr-14258	141	38	engaged	engage	VERB
cblr-14258	141	39	in	in	ADP
cblr-14258	141	40	litigation	litigation	NOUN
cblr-14258	141	41	.	.	PUNCT
cblr-14258	141	42	.	.	PUNCT
cblr-14258	141	43	.	.	PUNCT
cblr-14258	142	1	and	and	CCONJ
cblr-14258	142	2	ensure	ensure	VERB
cblr-14258	142	3	the	the	DET
cblr-14258	142	4	statute	statute	NOUN
cblr-14258	142	5	of	of	ADP
cblr-14258	142	6	limitations	limitation	NOUN
cblr-14258	142	7	not	not	PART
cblr-14258	142	8	only	only	ADV
cblr-14258	142	9	applies	apply	VERB
cblr-14258	142	10	equally	equally	ADV
cblr-14258	142	11	to	to	ADP
cblr-14258	142	12	all	all	PRON
cblr-14258	142	13	but	but	CCONJ
cblr-14258	142	14	is	be	AUX
cblr-14258	142	15	impervious	impervious	ADJ
cblr-14258	142	16	to	to	ADP
cblr-14258	142	17	unilateral	unilateral	ADJ
cblr-14258	142	18	manipulation	manipulation	NOUN
cblr-14258	142	19	.	.	PUNCT
cblr-14258	143	1	”35	”35	NOUN
cblr-14258	143	2	in	in	ADP
cblr-14258	143	3	these	these	DET
cblr-14258	143	4	cases	case	NOUN
cblr-14258	143	5	,	,	PUNCT
cblr-14258	143	6	fapa	fapa	NOUN
cblr-14258	143	7	passes	pass	VERB
cblr-14258	143	8	the	the	DET
cblr-14258	143	9	matter	matter	NOUN
cblr-14258	143	10	of	of	ADP
cblr-14258	143	11	gleason	gleason	PROPN
cblr-14258	143	12	test	test	NOUN
cblr-14258	143	13	and	and	CCONJ
cblr-14258	143	14	qualifies	qualify	VERB
cblr-14258	143	15	as	as	ADP
cblr-14258	143	16	a	a	DET
cblr-14258	143	17	remedial	remedial	ADJ
cblr-14258	143	18	legislation	legislation	NOUN
cblr-14258	143	19	warranting	warrant	VERB
cblr-14258	143	20	retroactive	retroactive	ADJ
cblr-14258	143	21	application	application	NOUN
cblr-14258	143	22	to	to	PART
cblr-14258	143	23	effectuate	effectuate	VERB
cblr-14258	143	24	the	the	DET
cblr-14258	143	25	aim	aim	NOUN
cblr-14258	143	26	of	of	ADP
cblr-14258	143	27	eliminating	eliminate	VERB
cblr-14258	143	28	abusive	abusive	ADJ
cblr-14258	143	29	tactics	tactic	NOUN
cblr-14258	143	30	.	.	PUNCT
cblr-14258	144	1	the	the	DET
cblr-14258	144	2	line	line	NOUN
cblr-14258	144	3	of	of	ADP
cblr-14258	144	4	fapa	fapa	ADJ
cblr-14258	144	5	cases	case	NOUN
cblr-14258	144	6	in	in	ADP
cblr-14258	144	7	the	the	DET
cblr-14258	144	8	putnam	putnam	PROPN
cblr-14258	144	9	supreme	supreme	PROPN
cblr-14258	144	10	and	and	CCONJ
cblr-14258	144	11	county	county	NOUN
cblr-14258	144	12	court	court	NOUN
cblr-14258	144	13	,	,	PUNCT
cblr-14258	144	14	however	however	ADV
cblr-14258	144	15	,	,	PUNCT
cblr-14258	144	16	rules	rule	NOUN
cblr-14258	144	17	otherwise	otherwise	ADV
cblr-14258	144	18	.	.	PUNCT
cblr-14258	145	1	the	the	DET
cblr-14258	145	2	court	court	NOUN
cblr-14258	145	3	there	there	ADV
cblr-14258	145	4	stated	state	VERB
cblr-14258	145	5	that	that	SCONJ
cblr-14258	145	6	“	"	PUNCT
cblr-14258	145	7	classifying	classify	VERB
cblr-14258	145	8	a	a	DET
cblr-14258	145	9	statute	statute	NOUN
cblr-14258	145	10	as	as	ADP
cblr-14258	145	11	remedial	remedial	ADJ
cblr-14258	145	12	does	do	AUX
cblr-14258	145	13	not	not	PART
cblr-14258	145	14	automatically	automatically	ADV
cblr-14258	145	15	overcome	overcome	VERB
cblr-14258	145	16	the	the	DET
cblr-14258	145	17	strong	strong	ADJ
cblr-14258	145	18	presumption	presumption	NOUN
cblr-14258	145	19	of	of	ADP
cblr-14258	145	20	prospectivity	prospectivity	NOUN
cblr-14258	145	21	since	since	SCONJ
cblr-14258	145	22	the	the	DET
cblr-14258	145	23	term	term	NOUN
cblr-14258	145	24	may	may	AUX
cblr-14258	145	25	broadly	broadly	ADV
cblr-14258	145	26	encompass	encompass	VERB
cblr-14258	145	27	any	any	DET
cblr-14258	145	28	attempt	attempt	NOUN
cblr-14258	145	29	to	to	PART
cblr-14258	145	30	supply	supply	VERB
cblr-14258	145	31	some	some	DET
cblr-14258	145	32	defect	defect	NOUN
cblr-14258	145	33	or	or	CCONJ
cblr-14258	145	34	abridge	abridge	VERB
cblr-14258	145	35	some	some	DET
cblr-14258	145	36	superfluity	superfluity	NOUN
cblr-14258	145	37	in	in	ADP
cblr-14258	145	38	the	the	DET
cblr-14258	145	39	former	former	ADJ
cblr-14258	145	40	law	law	NOUN
cblr-14258	145	41	.	.	PUNCT
cblr-14258	146	1	”36	”36	VERB
cblr-14258	146	2	considering	consider	VERB
cblr-14258	146	3	the	the	DET
cblr-14258	146	4	other	other	ADJ
cblr-14258	146	5	factors	factor	NOUN
cblr-14258	146	6	in	in	ADP
cblr-14258	146	7	the	the	DET
cblr-14258	146	8	matter	matter	NOUN
cblr-14258	146	9	of	of	ADP
cblr-14258	146	10	gleason	gleason	PROPN
cblr-14258	146	11	balancing	balance	VERB
cblr-14258	146	12	test	test	NOUN
cblr-14258	146	13	,	,	PUNCT
cblr-14258	146	14	despite	despite	SCONJ
cblr-14258	146	15	the	the	DET
cblr-14258	146	16	urgency	urgency	NOUN
cblr-14258	146	17	that	that	PRON
cblr-14258	146	18	may	may	AUX
cblr-14258	146	19	be	be	AUX
cblr-14258	146	20	implied	imply	VERB
cblr-14258	146	21	by	by	ADP
cblr-14258	146	22	the	the	DET
cblr-14258	146	23	word	word	NOUN
cblr-14258	146	24	“	"	PUNCT
cblr-14258	146	25	immediate	immediate	ADJ
cblr-14258	146	26	,	,	PUNCT
cblr-14258	146	27	”	"	PUNCT
cblr-14258	146	28	the	the	DET
cblr-14258	146	29	court	court	NOUN
cblr-14258	146	30	noted	note	VERB
cblr-14258	146	31	that	that	SCONJ
cblr-14258	146	32	fapa	fapa	NOUN
cblr-14258	146	33	is	be	AUX
cblr-14258	146	34	“	"	PUNCT
cblr-14258	146	35	silent	silent	ADJ
cblr-14258	146	36	on	on	ADP
cblr-14258	146	37	the	the	DET
cblr-14258	146	38	issue	issue	NOUN
cblr-14258	146	39	of	of	ADP
cblr-14258	146	40	retroactivity	retroactivity	NOUN
cblr-14258	146	41	”	"	PUNCT
cblr-14258	146	42	and	and	CCONJ
cblr-14258	146	43	that	that	SCONJ
cblr-14258	146	44	“	"	PUNCT
cblr-14258	146	45	there	there	PRON
cblr-14258	146	46	is	be	VERB
cblr-14258	146	47	no	no	DET
cblr-14258	146	48	indication	indication	NOUN
cblr-14258	146	49	whatsoever	whatsoever	ADV
cblr-14258	146	50	that	that	SCONJ
cblr-14258	146	51	the	the	DET
cblr-14258	146	52	legislature	legislature	NOUN
cblr-14258	146	53	contemplated	contemplate	VERB
cblr-14258	146	54	the	the	DET
cblr-14258	146	55	statute	statute	NOUN
cblr-14258	146	56	’s	’s	PART
cblr-14258	146	57	retroactive	retroactive	ADJ
cblr-14258	146	58	impact	impact	NOUN
cblr-14258	146	59	on	on	ADP
cblr-14258	146	60	lenders	lender	NOUN
cblr-14258	146	61	’	’	PART
cblr-14258	146	62	substantive	substantive	ADJ
cblr-14258	146	63	rights	right	NOUN
cblr-14258	146	64	and	and	CCONJ
cblr-14258	146	65	intended	intend	VERB
cblr-14258	146	66	the	the	DET
cblr-14258	146	67	extraordinary	extraordinary	ADJ
cblr-14258	146	68	impairment	impairment	NOUN
cblr-14258	146	69	of	of	ADP
cblr-14258	146	70	those	those	DET
cblr-14258	146	71	rights	right	NOUN
cblr-14258	146	72	that	that	PRON
cblr-14258	146	73	retroactivity	retroactivity	NOUN
cblr-14258	146	74	would	would	AUX
cblr-14258	146	75	in	in	ADP
cblr-14258	146	76	fact	fact	NOUN
cblr-14258	146	77	impose	impose	VERB
cblr-14258	146	78	.	.	PUNCT
cblr-14258	147	1	”37	”37	PUNCT
cblr-14258	147	2	the	the	DET
cblr-14258	147	3	court	court	NOUN
cblr-14258	147	4	also	also	ADV
cblr-14258	147	5	determined	determine	VERB
cblr-14258	147	6	that	that	SCONJ
cblr-14258	147	7	fapa	fapa	NOUN
cblr-14258	147	8	does	do	AUX
cblr-14258	147	9	not	not	PART
cblr-14258	147	10	reaffirm	reaffirm	VERB
cblr-14258	147	11	or	or	CCONJ
cblr-14258	147	12	clarify	clarify	VERB
cblr-14258	147	13	what	what	PRON
cblr-14258	147	14	the	the	DET
cblr-14258	147	15	prior	prior	ADJ
cblr-14258	147	16	law	law	NOUN
cblr-14258	147	17	was	be	AUX
cblr-14258	147	18	“	"	PUNCT
cblr-14258	147	19	always	always	ADV
cblr-14258	147	20	meant	mean	VERB
cblr-14258	147	21	to	to	PART
cblr-14258	147	22	say	say	VERB
cblr-14258	147	23	and	and	CCONJ
cblr-14258	147	24	do	do	VERB
cblr-14258	147	25	,	,	PUNCT
cblr-14258	147	26	”	"	PUNCT
cblr-14258	147	27	but	but	CCONJ
cblr-14258	147	28	rather	rather	ADV
cblr-14258	147	29	changes	change	VERB
cblr-14258	147	30	it	it	PRON
cblr-14258	147	31	,	,	PUNCT
cblr-14258	147	32	thus	thus	ADV
cblr-14258	147	33	weighing	weigh	VERB
cblr-14258	147	34	in	in	ADP
cblr-14258	147	35	favor	favor	NOUN
cblr-14258	147	36	of	of	ADP
cblr-14258	147	37	preserving	preserve	VERB
cblr-14258	147	38	the	the	DET
cblr-14258	147	39	34	34	NUM
cblr-14258	147	40	i	i	PROPN
cblr-14258	147	41	d.	d.	PROPN
cblr-14258	147	42	at	at	ADP
cblr-14258	147	43	662	662	NUM
cblr-14258	147	44	(	(	PUNCT
cblr-14258	147	45	emphasis	emphasis	NOUN
cblr-14258	147	46	added	add	VERB
cblr-14258	147	47	)	)	PUNCT
cblr-14258	147	48	.	.	PUNCT
cblr-14258	148	1	35	35	NUM
cblr-14258	148	2	u.s	u.s	PROPN
cblr-14258	148	3	.	.	PROPN
cblr-14258	148	4	bank	bank	PROPN
cblr-14258	148	5	tr	tr	VERB
cblr-14258	148	6	.	.	PROPN
cblr-14258	148	7	,	,	PUNCT
cblr-14258	148	8	n.a	n.a	PROPN
cblr-14258	148	9	.	.	PROPN
cblr-14258	149	1	v.	v.	PROPN
cblr-14258	149	2	leonardo	leonardo	PROPN
cblr-14258	149	3	,	,	PUNCT
cblr-14258	149	4	192	192	NUM
cblr-14258	149	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	149	6	472	472	NUM
cblr-14258	149	7	,	,	PUNCT
cblr-14258	149	8	476	476	NUM
cblr-14258	149	9	(	(	PUNCT
cblr-14258	149	10	n.y	n.y	PROPN
cblr-14258	149	11	sup	sup	PROPN
cblr-14258	149	12	.	.	PUNCT
cblr-14258	150	1	ct	ct	NUM
cblr-14258	150	2	.	.	NOUN
cblr-14258	150	3	2023	2023	NUM
cblr-14258	150	4	)	)	PUNCT
cblr-14258	150	5	(	(	PUNCT
cblr-14258	150	6	quoting	quote	VERB
cblr-14258	150	7	s.b	s.b	PROPN
cblr-14258	150	8	.	.	PUNCT
cblr-14258	151	1	s4573d	s4573d	NOUN
cblr-14258	151	2	,	,	PUNCT
cblr-14258	151	3	sponsor	sponsor	NOUN
cblr-14258	151	4	memo	memo	NOUN
cblr-14258	151	5	(	(	PUNCT
cblr-14258	151	6	2022	2022	NUM
cblr-14258	151	7	)	)	PUNCT
cblr-14258	151	8	)	)	PUNCT
cblr-14258	151	9	.	.	PUNCT
cblr-14258	152	1	36	36	NUM
cblr-14258	152	2	u.s	u.s	PROPN
cblr-14258	152	3	.	.	PROPN
cblr-14258	152	4	bank	bank	PROPN
cblr-14258	152	5	nat’l	nat’l	VERB
cblr-14258	152	6	ass’n	ass’n	PROPN
cblr-14258	152	7	v.	v.	CCONJ
cblr-14258	152	8	speller	speller	NOUN
cblr-14258	152	9	,	,	PUNCT
cblr-14258	152	10	197	197	NUM
cblr-14258	152	11	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	152	12	925	925	NUM
cblr-14258	152	13	,	,	PUNCT
cblr-14258	152	14	at	at	ADP
cblr-14258	152	15	*	*	PROPN
cblr-14258	152	16	16	16	NUM
cblr-14258	152	17	(	(	PUNCT
cblr-14258	152	18	n.y	n.y	PROPN
cblr-14258	152	19	.	.	PROPN
cblr-14258	152	20	sup	sup	PROPN
cblr-14258	152	21	.	.	PUNCT
cblr-14258	153	1	ct	ct	PROPN
cblr-14258	153	2	.	.	PUNCT
cblr-14258	153	3	oct	oct	PROPN
cblr-14258	153	4	.	.	PROPN
cblr-14258	153	5	31	31	NUM
cblr-14258	153	6	,	,	PUNCT
cblr-14258	153	7	2023	2023	NUM
cblr-14258	153	8	)	)	PUNCT
cblr-14258	153	9	(	(	PUNCT
cblr-14258	153	10	quoting	quote	VERB
cblr-14258	153	11	majewski	majewski	NOUN
cblr-14258	153	12	v.	v.	ADP
cblr-14258	153	13	broadalbin	broadalbin	NOUN
cblr-14258	153	14	-	-	PUNCT
cblr-14258	153	15	perth	perth	PROPN
cblr-14258	153	16	cent	cent	NOUN
cblr-14258	153	17	.	.	PUNCT
cblr-14258	154	1	sch	sch	PROPN
cblr-14258	154	2	.	.	PROPN
cblr-14258	154	3	dist	dist	PROPN
cblr-14258	154	4	.	.	PUNCT
cblr-14258	155	1	,	,	PUNCT
cblr-14258	155	2	696	696	NUM
cblr-14258	155	3	n.e.2d	n.e.2d	NOUN
cblr-14258	155	4	978	978	NUM
cblr-14258	155	5	,	,	PUNCT
cblr-14258	155	6	981	981	NUM
cblr-14258	155	7	(	(	PUNCT
cblr-14258	155	8	n.y	n.y	PROPN
cblr-14258	155	9	.	.	PROPN
cblr-14258	155	10	1998	1998	NUM
cblr-14258	155	11	)	)	PUNCT
cblr-14258	155	12	)	)	PUNCT
cblr-14258	155	13	.	.	PUNCT
cblr-14258	156	1	37	37	NUM
cblr-14258	157	1	i	i	PRON
cblr-14258	157	2	d.	d.	VERB
cblr-14258	157	3	at	at	ADP
cblr-14258	157	4	*	*	PROPN
cblr-14258	157	5	17	17	NUM
cblr-14258	157	6	.	.	PUNCT
cblr-14258	157	7	626	626	NUM
cblr-14258	157	8	columbia	columbia	PROPN
cblr-14258	157	9	business	business	NOUN
cblr-14258	157	10	law	law	NOUN
cblr-14258	157	11	review	review	NOUN
cblr-14258	158	1	[	[	X
cblr-14258	158	2	vol	vol	NOUN
cblr-14258	158	3	.	.	PUNCT
cblr-14258	158	4	2025	2025	NUM
cblr-14258	158	5	presumption	presumption	NOUN
cblr-14258	158	6	against	against	ADP
cblr-14258	158	7	retroactivity.38	retroactivity.38	PROPN
cblr-14258	158	8	as	as	ADP
cblr-14258	158	9	a	a	DET
cblr-14258	158	10	result	result	NOUN
cblr-14258	158	11	,	,	PUNCT
cblr-14258	158	12	the	the	DET
cblr-14258	158	13	court	court	NOUN
cblr-14258	158	14	ruled	rule	VERB
cblr-14258	158	15	that	that	SCONJ
cblr-14258	158	16	the	the	DET
cblr-14258	158	17	factors	factor	NOUN
cblr-14258	158	18	in	in	ADP
cblr-14258	158	19	matter	matter	NOUN
cblr-14258	158	20	of	of	ADP
cblr-14258	158	21	gleason	gleason	PROPN
cblr-14258	158	22	counsels	counsel	NOUN
cblr-14258	158	23	against	against	ADP
cblr-14258	158	24	retroactive	retroactive	ADJ
cblr-14258	158	25	application	application	NOUN
cblr-14258	158	26	.	.	PUNCT
cblr-14258	159	1	surviving	survive	VERB
cblr-14258	159	2	the	the	DET
cblr-14258	159	3	matter	matter	NOUN
cblr-14258	159	4	of	of	ADP
cblr-14258	159	5	gleason	gleason	PROPN
cblr-14258	159	6	test	test	NOUN
cblr-14258	159	7	still	still	ADV
cblr-14258	159	8	would	would	AUX
cblr-14258	159	9	not	not	PART
cblr-14258	159	10	automatically	automatically	ADV
cblr-14258	159	11	justify	justify	VERB
cblr-14258	159	12	fapa	fapa	PROPN
cblr-14258	159	13	’s	’s	PART
cblr-14258	159	14	retroactive	retroactive	ADJ
cblr-14258	159	15	application	application	NOUN
cblr-14258	159	16	,	,	PUNCT
cblr-14258	159	17	since	since	SCONJ
cblr-14258	159	18	it	it	PRON
cblr-14258	159	19	is	be	AUX
cblr-14258	159	20	ultimately	ultimately	ADV
cblr-14258	159	21	a	a	DET
cblr-14258	159	22	test	test	NOUN
cblr-14258	159	23	on	on	ADP
cblr-14258	159	24	whether	whether	SCONJ
cblr-14258	159	25	the	the	DET
cblr-14258	159	26	legislature	legislature	NOUN
cblr-14258	159	27	intended	intend	VERB
cblr-14258	159	28	the	the	DET
cblr-14258	159	29	statute	statute	NOUN
cblr-14258	159	30	to	to	PART
cblr-14258	159	31	be	be	AUX
cblr-14258	159	32	applied	apply	VERB
cblr-14258	159	33	retroactively	retroactively	ADV
cblr-14258	159	34	despite	despite	SCONJ
cblr-14258	159	35	potential	potential	ADJ
cblr-14258	159	36	retroactive	retroactive	ADJ
cblr-14258	159	37	effects	effect	NOUN
cblr-14258	159	38	.	.	PUNCT
cblr-14258	160	1	even	even	ADV
cblr-14258	160	2	if	if	SCONJ
cblr-14258	160	3	the	the	DET
cblr-14258	160	4	courts	court	NOUN
cblr-14258	160	5	believe	believe	VERB
cblr-14258	160	6	that	that	SCONJ
cblr-14258	160	7	the	the	DET
cblr-14258	160	8	legislature	legislature	NOUN
cblr-14258	160	9	’s	’s	PART
cblr-14258	160	10	remedial	remedial	ADJ
cblr-14258	160	11	aim	aim	NOUN
cblr-14258	160	12	is	be	AUX
cblr-14258	160	13	established	establish	VERB
cblr-14258	160	14	and	and	CCONJ
cblr-14258	160	15	the	the	DET
cblr-14258	160	16	statute	statute	NOUN
cblr-14258	160	17	’s	’s	PART
cblr-14258	160	18	purpose	purpose	NOUN
cblr-14258	160	19	clear	clear	ADJ
cblr-14258	160	20	,	,	PUNCT
cblr-14258	160	21	as	as	ADP
cblr-14258	160	22	in	in	ADP
cblr-14258	160	23	the	the	DET
cblr-14258	160	24	case	case	NOUN
cblr-14258	160	25	in	in	ADP
cblr-14258	160	26	miele	miele	PROPN
cblr-14258	160	27	and	and	CCONJ
cblr-14258	160	28	leonardo	leonardo	PROPN
cblr-14258	160	29	,	,	PUNCT
cblr-14258	160	30	the	the	DET
cblr-14258	160	31	courts	court	NOUN
cblr-14258	160	32	still	still	ADV
cblr-14258	160	33	have	have	VERB
cblr-14258	160	34	to	to	PART
cblr-14258	160	35	conduct	conduct	VERB
cblr-14258	160	36	a	a	DET
cblr-14258	160	37	final	final	ADJ
cblr-14258	160	38	step	step	NOUN
cblr-14258	160	39	of	of	ADP
cblr-14258	160	40	analysis	analysis	NOUN
cblr-14258	160	41	:	:	PUNCT
cblr-14258	160	42	whether	whether	SCONJ
cblr-14258	160	43	the	the	DET
cblr-14258	160	44	retroactive	retroactive	ADJ
cblr-14258	160	45	effect	effect	NOUN
cblr-14258	160	46	of	of	ADP
cblr-14258	160	47	the	the	DET
cblr-14258	160	48	law	law	NOUN
cblr-14258	160	49	,	,	PUNCT
cblr-14258	160	50	under	under	ADP
cblr-14258	160	51	the	the	DET
cblr-14258	160	52	circumstances	circumstance	NOUN
cblr-14258	160	53	of	of	ADP
cblr-14258	160	54	a	a	DET
cblr-14258	160	55	particular	particular	ADJ
cblr-14258	160	56	case	case	NOUN
cblr-14258	160	57	,	,	PUNCT
cblr-14258	160	58	impairs	impair	VERB
cblr-14258	160	59	the	the	DET
cblr-14258	160	60	parties	party	NOUN
cblr-14258	160	61	’	’	PART
cblr-14258	160	62	vested	vested	ADJ
cblr-14258	160	63	rights	right	NOUN
cblr-14258	160	64	so	so	ADV
cblr-14258	160	65	severely	severely	ADV
cblr-14258	160	66	that	that	SCONJ
cblr-14258	160	67	it	it	PRON
cblr-14258	160	68	overshadows	overshadow	VERB
cblr-14258	160	69	the	the	DET
cblr-14258	160	70	statute	statute	NOUN
cblr-14258	160	71	’s	’s	PART
cblr-14258	160	72	remedial	remedial	ADJ
cblr-14258	160	73	aim	aim	NOUN
cblr-14258	160	74	and	and	CCONJ
cblr-14258	160	75	violates	violate	VERB
cblr-14258	160	76	fundamental	fundamental	ADJ
cblr-14258	160	77	principles	principle	NOUN
cblr-14258	160	78	of	of	ADP
cblr-14258	160	79	fairness	fairness	NOUN
cblr-14258	160	80	or	or	CCONJ
cblr-14258	160	81	even	even	ADV
cblr-14258	160	82	the	the	DET
cblr-14258	160	83	state	state	NOUN
cblr-14258	160	84	or	or	CCONJ
cblr-14258	160	85	federal	federal	ADJ
cblr-14258	160	86	constitution	constitution	NOUN
cblr-14258	160	87	.	.	PUNCT
cblr-14258	161	1	as	as	SCONJ
cblr-14258	161	2	explained	explain	VERB
cblr-14258	161	3	below	below	ADV
cblr-14258	161	4	,	,	PUNCT
cblr-14258	161	5	the	the	DET
cblr-14258	161	6	answers	answer	NOUN
cblr-14258	161	7	to	to	ADP
cblr-14258	161	8	this	this	DET
cblr-14258	161	9	inquiry	inquiry	NOUN
cblr-14258	161	10	have	have	AUX
cblr-14258	161	11	also	also	ADV
cblr-14258	161	12	been	be	AUX
cblr-14258	161	13	unclear	unclear	ADJ
cblr-14258	161	14	and	and	CCONJ
cblr-14258	161	15	inconsistent	inconsistent	ADJ
cblr-14258	161	16	,	,	PUNCT
cblr-14258	161	17	despite	despite	SCONJ
cblr-14258	161	18	the	the	DET
cblr-14258	161	19	statute	statute	NOUN
cblr-14258	161	20	’s	’s	PART
cblr-14258	161	21	seemingly	seemingly	ADV
cblr-14258	161	22	unequivocal	unequivocal	ADJ
cblr-14258	161	23	language	language	NOUN
cblr-14258	161	24	.	.	PUNCT
cblr-14258	162	1	c.	c.	PROPN
cblr-14258	162	2	vested	vest	VERB
cblr-14258	162	3	rights	right	NOUN
cblr-14258	162	4	and	and	CCONJ
cblr-14258	162	5	constitutionality	constitutionality	NOUN
cblr-14258	162	6	fapa	fapa	NOUN
cblr-14258	162	7	“	"	PUNCT
cblr-14258	162	8	shall	shall	AUX
cblr-14258	162	9	take	take	VERB
cblr-14258	162	10	effect	effect	NOUN
cblr-14258	162	11	immediately	immediately	ADV
cblr-14258	162	12	and	and	CCONJ
cblr-14258	162	13	shall	shall	AUX
cblr-14258	162	14	apply	apply	VERB
cblr-14258	162	15	to	to	ADP
cblr-14258	162	16	all	all	DET
cblr-14258	162	17	residential	residential	ADJ
cblr-14258	162	18	and	and	CCONJ
cblr-14258	162	19	commercial	commercial	ADJ
cblr-14258	162	20	foreclosure	foreclosure	NOUN
cblr-14258	162	21	actions	action	NOUN
cblr-14258	162	22	in	in	ADP
cblr-14258	162	23	which	which	PRON
cblr-14258	162	24	a	a	DET
cblr-14258	162	25	final	final	ADJ
cblr-14258	162	26	judgment	judgment	NOUN
cblr-14258	162	27	of	of	ADP
cblr-14258	162	28	foreclosure	foreclosure	NOUN
cblr-14258	162	29	and	and	CCONJ
cblr-14258	162	30	sale	sale	NOUN
cblr-14258	162	31	has	have	AUX
cblr-14258	162	32	not	not	PART
cblr-14258	162	33	been	be	AUX
cblr-14258	162	34	enforced	enforce	VERB
cblr-14258	162	35	.	.	PUNCT
cblr-14258	163	1	”39	”39	PROPN
cblr-14258	163	2	however	however	ADV
cblr-14258	163	3	,	,	PUNCT
cblr-14258	163	4	even	even	ADV
cblr-14258	163	5	in	in	ADP
cblr-14258	163	6	a	a	DET
cblr-14258	163	7	foreclosure	foreclosure	NOUN
cblr-14258	163	8	action	action	NOUN
cblr-14258	163	9	where	where	SCONJ
cblr-14258	163	10	a	a	DET
cblr-14258	163	11	final	final	ADJ
cblr-14258	163	12	judgment	judgment	NOUN
cblr-14258	163	13	of	of	ADP
cblr-14258	163	14	foreclosure	foreclosure	NOUN
cblr-14258	163	15	and	and	CCONJ
cblr-14258	163	16	sale	sale	NOUN
cblr-14258	163	17	(	(	PUNCT
cblr-14258	163	18	“	"	PUNCT
cblr-14258	163	19	jfs	jfs	PROPN
cblr-14258	163	20	”	"	PUNCT
cblr-14258	163	21	)	)	PUNCT
cblr-14258	163	22	has	have	AUX
cblr-14258	163	23	not	not	PART
cblr-14258	163	24	been	be	AUX
cblr-14258	163	25	enforced	enforce	VERB
cblr-14258	163	26	,	,	PUNCT
cblr-14258	163	27	many	many	ADJ
cblr-14258	163	28	new	new	PROPN
cblr-14258	163	29	york	york	PROPN
cblr-14258	163	30	supreme	supreme	PROPN
cblr-14258	163	31	court	court	PROPN
cblr-14258	163	32	decisions	decision	NOUN
cblr-14258	163	33	have	have	AUX
cblr-14258	163	34	denied	deny	VERB
cblr-14258	163	35	retroactive	retroactive	ADJ
cblr-14258	163	36	application	application	NOUN
cblr-14258	163	37	where	where	SCONJ
cblr-14258	163	38	it	it	PRON
cblr-14258	163	39	would	would	AUX
cblr-14258	163	40	severely	severely	ADV
cblr-14258	163	41	impair	impair	VERB
cblr-14258	163	42	the	the	DET
cblr-14258	163	43	mortgagees	mortgagee	NOUN
cblr-14258	163	44	’	’	PART
cblr-14258	163	45	vested	vested	ADJ
cblr-14258	163	46	rights	right	NOUN
cblr-14258	163	47	and	and	CCONJ
cblr-14258	163	48	interests	interest	NOUN
cblr-14258	163	49	.	.	PUNCT
cblr-14258	164	1	in	in	ADP
cblr-14258	164	2	their	their	PRON
cblr-14258	164	3	opinions	opinion	NOUN
cblr-14258	164	4	,	,	PUNCT
cblr-14258	164	5	the	the	DET
cblr-14258	164	6	courts	court	NOUN
cblr-14258	164	7	note	note	VERB
cblr-14258	164	8	that	that	SCONJ
cblr-14258	164	9	they	they	PRON
cblr-14258	164	10	would	would	AUX
cblr-14258	164	11	defer	defer	VERB
cblr-14258	164	12	to	to	ADP
cblr-14258	164	13	the	the	DET
cblr-14258	164	14	legislative	legislative	ADJ
cblr-14258	164	15	intent	intent	NOUN
cblr-14258	164	16	38	38	NUM
cblr-14258	164	17	i	i	PRON
cblr-14258	164	18	d.	d.	PROPN
cblr-14258	164	19	at	at	ADP
cblr-14258	164	20	*	*	NUM
cblr-14258	164	21	17	17	NUM
cblr-14258	164	22	(	(	PUNCT
cblr-14258	164	23	quoting	quote	VERB
cblr-14258	164	24	brothers	brother	NOUN
cblr-14258	164	25	v.	v.	ADP
cblr-14258	164	26	florence	florence	NOUN
cblr-14258	164	27	,	,	PUNCT
cblr-14258	164	28	739	739	NUM
cblr-14258	164	29	n.e.2d	n.e.2d	NOUN
cblr-14258	164	30	733	733	NUM
cblr-14258	164	31	,	,	PUNCT
cblr-14258	164	32	737	737	NUM
cblr-14258	164	33	(	(	PUNCT
cblr-14258	164	34	n.y	n.y	PROPN
cblr-14258	164	35	.	.	PROPN
cblr-14258	164	36	2000	2000	NUM
cblr-14258	164	37	)	)	PUNCT
cblr-14258	164	38	)	)	PUNCT
cblr-14258	164	39	.	.	PUNCT
cblr-14258	165	1	see	see	VERB
cblr-14258	165	2	also	also	ADV
cblr-14258	165	3	i	i	PROPN
cblr-14258	165	4	d.	d.	PROPN
cblr-14258	165	5	at	at	ADP
cblr-14258	165	6	*	*	NUM
cblr-14258	165	7	13–14	13–14	NUM
cblr-14258	165	8	(	(	PUNCT
cblr-14258	165	9	arguing	argue	VERB
cblr-14258	165	10	that	that	SCONJ
cblr-14258	165	11	pre	pre	PROPN
cblr-14258	165	12	-	-	ADJ
cblr-14258	165	13	engel	engel	ADJ
cblr-14258	165	14	,	,	PUNCT
cblr-14258	165	15	unilateral	unilateral	ADJ
cblr-14258	165	16	deacceleration	deacceleration	NOUN
cblr-14258	165	17	had	have	AUX
cblr-14258	165	18	always	always	ADV
cblr-14258	165	19	been	be	AUX
cblr-14258	165	20	deemed	deem	VERB
cblr-14258	165	21	a	a	DET
cblr-14258	165	22	valid	valid	ADJ
cblr-14258	165	23	method	method	NOUN
cblr-14258	165	24	of	of	ADP
cblr-14258	165	25	resetting	reset	VERB
cblr-14258	165	26	statute	statute	NOUN
cblr-14258	165	27	of	of	ADP
cblr-14258	165	28	limitations	limitation	NOUN
cblr-14258	165	29	by	by	ADP
cblr-14258	165	30	the	the	DET
cblr-14258	165	31	ny	ny	PROPN
cblr-14258	165	32	courts	court	NOUN
cblr-14258	165	33	;	;	PUNCT
cblr-14258	165	34	although	although	SCONJ
cblr-14258	165	35	the	the	DET
cblr-14258	165	36	sponsors	sponsor	NOUN
cblr-14258	165	37	implies	imply	VERB
cblr-14258	165	38	that	that	SCONJ
cblr-14258	165	39	the	the	DET
cblr-14258	165	40	1963	1963	NUM
cblr-14258	165	41	law	law	NOUN
cblr-14258	165	42	precludes	preclude	VERB
cblr-14258	165	43	resetting	reset	VERB
cblr-14258	165	44	the	the	DET
cblr-14258	165	45	statute	statute	NOUN
cblr-14258	165	46	of	of	ADP
cblr-14258	165	47	limitations	limitation	NOUN
cblr-14258	165	48	by	by	ADP
cblr-14258	165	49	unilateral	unilateral	ADJ
cblr-14258	165	50	revocation	revocation	NOUN
cblr-14258	165	51	and	and	CCONJ
cblr-14258	165	52	that	that	SCONJ
cblr-14258	165	53	fapa	fapa	NOUN
cblr-14258	165	54	merely	merely	ADV
cblr-14258	165	55	restores	restore	VERB
cblr-14258	165	56	and	and	CCONJ
cblr-14258	165	57	clarifies	clarify	VERB
cblr-14258	165	58	that	that	DET
cblr-14258	165	59	law	law	NOUN
cblr-14258	165	60	by	by	ADP
cblr-14258	165	61	overruling	overrule	VERB
cblr-14258	165	62	engel	engel	NOUN
cblr-14258	165	63	,	,	PUNCT
cblr-14258	165	64	fapa	fapa	NOUN
cblr-14258	165	65	is	be	AUX
cblr-14258	165	66	really	really	ADV
cblr-14258	165	67	changing	change	VERB
cblr-14258	165	68	the	the	DET
cblr-14258	165	69	longstanding	longstanding	ADJ
cblr-14258	165	70	law	law	NOUN
cblr-14258	165	71	by	by	ADP
cblr-14258	165	72	disallowing	disallow	VERB
cblr-14258	165	73	any	any	DET
cblr-14258	165	74	unilateral	unilateral	ADJ
cblr-14258	165	75	act	act	NOUN
cblr-14258	165	76	to	to	PART
cblr-14258	165	77	toll	toll	NOUN
cblr-14258	165	78	or	or	CCONJ
cblr-14258	165	79	reset	reset	VERB
cblr-14258	165	80	the	the	DET
cblr-14258	165	81	statute	statute	NOUN
cblr-14258	165	82	of	of	ADP
cblr-14258	165	83	limitations	limitation	NOUN
cblr-14258	165	84	unless	unless	SCONJ
cblr-14258	165	85	expressly	expressly	ADV
cblr-14258	165	86	prescribed	prescribe	VERB
cblr-14258	165	87	by	by	ADP
cblr-14258	165	88	statute	statute	NOUN
cblr-14258	165	89	)	)	PUNCT
cblr-14258	165	90	.	.	PUNCT
cblr-14258	166	1	39	39	NUM
cblr-14258	166	2	s.b	s.b	PROPN
cblr-14258	166	3	.	.	PUNCT
cblr-14258	167	1	s5473d	s5473d	PROPN
cblr-14258	167	2	§	§	PROPN
cblr-14258	167	3	10	10	NUM
cblr-14258	167	4	(	(	PUNCT
cblr-14258	167	5	n.y	n.y	PROPN
cblr-14258	167	6	.	.	PROPN
cblr-14258	167	7	2021	2021	NUM
cblr-14258	167	8	)	)	PUNCT
cblr-14258	167	9	.	.	PUNCT
cblr-14258	168	1	no	no	INTJ
cblr-14258	168	2	.	.	NOUN
cblr-14258	168	3	1	1	NUM
cblr-14258	168	4	]	]	PUNCT
cblr-14258	168	5	retroactive	retroactive	ADJ
cblr-14258	168	6	application	application	NOUN
cblr-14258	168	7	of	of	ADP
cblr-14258	168	8	the	the	DET
cblr-14258	168	9	ny	ny	PROPN
cblr-14258	168	10	fapa	fapa	NOUN
cblr-14258	168	11	627	627	NUM
cblr-14258	168	12	for	for	ADP
cblr-14258	168	13	retroactivity	retroactivity	NOUN
cblr-14258	168	14	unless	unless	SCONJ
cblr-14258	168	15	such	such	ADJ
cblr-14258	168	16	application	application	NOUN
cblr-14258	168	17	“	"	PUNCT
cblr-14258	168	18	reaches	reach	VERB
cblr-14258	168	19	so	so	ADV
cblr-14258	168	20	far	far	ADV
cblr-14258	168	21	into	into	ADP
cblr-14258	168	22	the	the	DET
cblr-14258	168	23	past	past	NOUN
cblr-14258	168	24	or	or	CCONJ
cblr-14258	168	25	so	so	ADV
cblr-14258	168	26	unfairly	unfairly	ADV
cblr-14258	168	27	as	as	SCONJ
cblr-14258	168	28	to	to	PART
cblr-14258	168	29	constitute	constitute	VERB
cblr-14258	168	30	a	a	DET
cblr-14258	168	31	deprivation	deprivation	NOUN
cblr-14258	168	32	of	of	ADP
cblr-14258	168	33	property	property	NOUN
cblr-14258	168	34	without	without	ADP
cblr-14258	168	35	due	due	ADJ
cblr-14258	168	36	process	process	NOUN
cblr-14258	168	37	,	,	PUNCT
cblr-14258	168	38	”	"	PUNCT
cblr-14258	168	39	and	and	CCONJ
cblr-14258	168	40	results	result	VERB
cblr-14258	168	41	in	in	ADP
cblr-14258	168	42	“	"	PUNCT
cblr-14258	168	43	an	an	DET
cblr-14258	168	44	interpretation	interpretation	NOUN
cblr-14258	168	45	which	which	PRON
cblr-14258	168	46	is	be	AUX
cblr-14258	168	47	contrary	contrary	ADJ
cblr-14258	168	48	to	to	ADP
cblr-14258	168	49	the	the	DET
cblr-14258	168	50	dictates	dictate	NOUN
cblr-14258	168	51	of	of	ADP
cblr-14258	168	52	reason	reason	NOUN
cblr-14258	168	53	or	or	CCONJ
cblr-14258	168	54	leads	lead	VERB
cblr-14258	168	55	to	to	ADP
cblr-14258	168	56	unreasonable	unreasonable	ADJ
cblr-14258	168	57	results	result	NOUN
cblr-14258	168	58	.	.	PUNCT
cblr-14258	169	1	”40	”40	NOUN
cblr-14258	169	2	i	i	PRON
cblr-14258	169	3	explain	explain	VERB
cblr-14258	169	4	a	a	DET
cblr-14258	169	5	few	few	ADJ
cblr-14258	169	6	cases	case	NOUN
cblr-14258	169	7	below	below	ADV
cblr-14258	169	8	to	to	PART
cblr-14258	169	9	demonstrate	demonstrate	VERB
cblr-14258	169	10	the	the	DET
cblr-14258	169	11	current	current	ADJ
cblr-14258	169	12	rule	rule	NOUN
cblr-14258	169	13	on	on	ADP
cblr-14258	169	14	this	this	DET
cblr-14258	169	15	issue	issue	NOUN
cblr-14258	169	16	and	and	CCONJ
cblr-14258	169	17	the	the	DET
cblr-14258	169	18	problems	problem	NOUN
cblr-14258	169	19	that	that	PRON
cblr-14258	169	20	it	it	PRON
cblr-14258	169	21	may	may	AUX
cblr-14258	169	22	present	present	VERB
cblr-14258	169	23	to	to	ADP
cblr-14258	169	24	those	those	PRON
cblr-14258	169	25	looking	look	VERB
cblr-14258	169	26	for	for	ADP
cblr-14258	169	27	guidance	guidance	NOUN
cblr-14258	169	28	.	.	PUNCT
cblr-14258	170	1	i.	i.	PROPN
cblr-14258	170	2	vested	vest	VERB
cblr-14258	170	3	rights	right	NOUN
cblr-14258	170	4	granted	grant	VERB
cblr-14258	170	5	by	by	ADP
cblr-14258	170	6	prior	prior	ADJ
cblr-14258	170	7	court	court	NOUN
cblr-14258	170	8	decisions	decision	NOUN
cblr-14258	170	9	the	the	DET
cblr-14258	170	10	courts	court	NOUN
cblr-14258	170	11	have	have	AUX
cblr-14258	170	12	ruled	rule	VERB
cblr-14258	170	13	that	that	SCONJ
cblr-14258	170	14	vested	vested	ADJ
cblr-14258	170	15	rights	right	NOUN
cblr-14258	170	16	may	may	AUX
cblr-14258	170	17	be	be	AUX
cblr-14258	170	18	obtained	obtain	VERB
cblr-14258	170	19	by	by	ADP
cblr-14258	170	20	the	the	DET
cblr-14258	170	21	mortgagee	mortgagee	NOUN
cblr-14258	170	22	from	from	ADP
cblr-14258	170	23	prior	prior	ADJ
cblr-14258	170	24	court	court	NOUN
cblr-14258	170	25	decisions	decision	NOUN
cblr-14258	170	26	in	in	ADP
cblr-14258	170	27	the	the	DET
cblr-14258	170	28	same	same	ADJ
cblr-14258	170	29	controversy	controversy	NOUN
cblr-14258	170	30	,	,	PUNCT
cblr-14258	170	31	such	such	ADJ
cblr-14258	170	32	as	as	ADP
cblr-14258	170	33	a	a	DET
cblr-14258	170	34	prior	prior	ADJ
cblr-14258	170	35	summary	summary	NOUN
cblr-14258	170	36	judgment	judgment	NOUN
cblr-14258	170	37	,	,	PUNCT
cblr-14258	170	38	and	and	CCONJ
cblr-14258	170	39	such	such	ADJ
cblr-14258	170	40	vested	vested	ADJ
cblr-14258	170	41	rights	right	NOUN
cblr-14258	170	42	can	can	AUX
cblr-14258	170	43	not	not	PART
cblr-14258	170	44	be	be	AUX
cblr-14258	170	45	impaired	impair	VERB
cblr-14258	170	46	by	by	ADP
cblr-14258	170	47	retroactive	retroactive	ADJ
cblr-14258	170	48	application	application	NOUN
cblr-14258	170	49	of	of	ADP
cblr-14258	170	50	fapa	fapa	NOUN
cblr-14258	170	51	despite	despite	SCONJ
cblr-14258	170	52	the	the	DET
cblr-14258	170	53	statute	statute	NOUN
cblr-14258	170	54	’s	’s	PART
cblr-14258	170	55	remedial	remedial	ADJ
cblr-14258	170	56	nature	nature	NOUN
cblr-14258	170	57	.	.	PUNCT
cblr-14258	171	1	in	in	ADP
cblr-14258	171	2	leonardo	leonardo	PROPN
cblr-14258	171	3	,	,	PUNCT
cblr-14258	171	4	for	for	ADP
cblr-14258	171	5	example	example	NOUN
cblr-14258	171	6	,	,	PUNCT
cblr-14258	171	7	the	the	DET
cblr-14258	171	8	plaintiff	plaintiff	NOUN
cblr-14258	171	9	-	-	PUNCT
cblr-14258	171	10	mortgagee	mortgagee	PROPN
cblr-14258	171	11	’s	’s	PART
cblr-14258	171	12	predecessor	predecessor	NOUN
cblr-14258	171	13	-	-	PUNCT
cblr-14258	171	14	in	in	ADP
cblr-14258	171	15	-	-	PUNCT
cblr-14258	171	16	interest	interest	NOUN
cblr-14258	171	17	commenced	commence	VERB
cblr-14258	171	18	a	a	DET
cblr-14258	171	19	foreclosure	foreclosure	NOUN
cblr-14258	171	20	action	action	NOUN
cblr-14258	171	21	in	in	ADP
cblr-14258	171	22	2013	2013	NUM
cblr-14258	171	23	against	against	ADP
cblr-14258	171	24	mortgagor.41	mortgagor.41	PROPN
cblr-14258	171	25	a	a	DET
cblr-14258	171	26	jfs	jfs	NOUN
cblr-14258	171	27	was	be	AUX
cblr-14258	171	28	issued	issue	VERB
cblr-14258	171	29	by	by	ADP
cblr-14258	171	30	the	the	DET
cblr-14258	171	31	court	court	NOUN
cblr-14258	171	32	in	in	ADP
cblr-14258	171	33	2015	2015	NUM
cblr-14258	171	34	.	.	PUNCT
cblr-14258	172	1	throughout	throughout	ADP
cblr-14258	172	2	the	the	DET
cblr-14258	172	3	ensuing	ensue	VERB
cblr-14258	172	4	eight	eight	NUM
cblr-14258	172	5	years	year	NOUN
cblr-14258	172	6	,	,	PUNCT
cblr-14258	172	7	however	however	ADV
cblr-14258	172	8	,	,	PUNCT
cblr-14258	172	9	the	the	DET
cblr-14258	172	10	mortgagor	mortgagor	NOUN
cblr-14258	172	11	filed	file	VERB
cblr-14258	172	12	numerous	numerous	ADJ
cblr-14258	172	13	motions	motion	NOUN
cblr-14258	172	14	to	to	PART
cblr-14258	172	15	vacate	vacate	VERB
cblr-14258	172	16	the	the	DET
cblr-14258	172	17	judgment	judgment	NOUN
cblr-14258	172	18	,	,	PUNCT
cblr-14258	172	19	reargue	reargue	VERB
cblr-14258	172	20	,	,	PUNCT
cblr-14258	172	21	and	and	CCONJ
cblr-14258	172	22	appeal	appeal	NOUN
cblr-14258	172	23	,	,	PUNCT
cblr-14258	172	24	so	so	CCONJ
cblr-14258	172	25	the	the	DET
cblr-14258	172	26	2015	2015	NUM
cblr-14258	172	27	jfs	jfs	NOUN
cblr-14258	172	28	was	be	AUX
cblr-14258	172	29	never	never	ADV
cblr-14258	172	30	truly	truly	ADV
cblr-14258	172	31	enforced	enforce	VERB
cblr-14258	172	32	,	,	PUNCT
cblr-14258	172	33	and	and	CCONJ
cblr-14258	172	34	the	the	DET
cblr-14258	172	35	property	property	NOUN
cblr-14258	172	36	never	never	ADV
cblr-14258	172	37	sold.42	sold.42	VERB
cblr-14258	172	38	fapa	fapa	NOUN
cblr-14258	172	39	went	go	VERB
cblr-14258	172	40	into	into	ADP
cblr-14258	172	41	effect	effect	NOUN
cblr-14258	172	42	while	while	SCONJ
cblr-14258	172	43	the	the	DET
cblr-14258	172	44	litigation	litigation	NOUN
cblr-14258	172	45	was	be	AUX
cblr-14258	172	46	still	still	ADV
cblr-14258	172	47	pending	pende	VERB
cblr-14258	172	48	,	,	PUNCT
cblr-14258	172	49	and	and	CCONJ
cblr-14258	172	50	subsequent	subsequent	ADJ
cblr-14258	172	51	to	to	ADP
cblr-14258	172	52	the	the	DET
cblr-14258	172	53	enactment	enactment	NOUN
cblr-14258	172	54	,	,	PUNCT
cblr-14258	172	55	the	the	DET
cblr-14258	172	56	mortgagor	mortgagor	NOUN
cblr-14258	172	57	filed	file	VERB
cblr-14258	172	58	another	another	DET
cblr-14258	172	59	motion	motion	NOUN
cblr-14258	172	60	to	to	PART
cblr-14258	172	61	vacate	vacate	VERB
cblr-14258	172	62	the	the	DET
cblr-14258	172	63	2015	2015	NUM
cblr-14258	172	64	jfs	jfs	NOUN
cblr-14258	172	65	and	and	CCONJ
cblr-14258	172	66	dismiss	dismiss	VERB
cblr-14258	172	67	the	the	DET
cblr-14258	172	68	action	action	NOUN
cblr-14258	172	69	on	on	ADP
cblr-14258	172	70	the	the	DET
cblr-14258	172	71	ground	ground	NOUN
cblr-14258	172	72	that	that	SCONJ
cblr-14258	172	73	the	the	DET
cblr-14258	172	74	action	action	NOUN
cblr-14258	172	75	was	be	AUX
cblr-14258	172	76	barred	bar	VERB
cblr-14258	172	77	by	by	ADP
cblr-14258	172	78	the	the	DET
cblr-14258	172	79	statute	statute	NOUN
cblr-14258	172	80	of	of	ADP
cblr-14258	172	81	limitations	limitation	NOUN
cblr-14258	172	82	,	,	PUNCT
cblr-14258	172	83	given	give	VERB
cblr-14258	172	84	fapa	fapa	PROPN
cblr-14258	172	85	’s	’s	PART
cblr-14258	172	86	retroactive	retroactive	ADJ
cblr-14258	172	87	application.43	application.43	NOUN
cblr-14258	172	88	the	the	DET
cblr-14258	172	89	supreme	supreme	PROPN
cblr-14258	172	90	court	court	PROPN
cblr-14258	172	91	,	,	PUNCT
cblr-14258	172	92	nassau	nassau	PROPN
cblr-14258	172	93	county	county	PROPN
cblr-14258	172	94	,	,	PUNCT
cblr-14258	172	95	first	first	ADV
cblr-14258	172	96	noted	note	VERB
cblr-14258	172	97	that	that	SCONJ
cblr-14258	172	98	fapa	fapa	NOUN
cblr-14258	172	99	applies	apply	VERB
cblr-14258	172	100	to	to	ADP
cblr-14258	172	101	all	all	DET
cblr-14258	172	102	actions	action	NOUN
cblr-14258	172	103	in	in	ADP
cblr-14258	172	104	which	which	PRON
cblr-14258	172	105	a	a	DET
cblr-14258	172	106	final	final	ADJ
cblr-14258	172	107	jfs	jfs	NOUN
cblr-14258	172	108	has	have	AUX
cblr-14258	172	109	not	not	PART
cblr-14258	172	110	been	be	AUX
cblr-14258	172	111	enforced	enforce	VERB
cblr-14258	172	112	and	and	CCONJ
cblr-14258	172	113	acknowledged	acknowledge	VERB
cblr-14258	172	114	that	that	SCONJ
cblr-14258	172	115	in	in	ADP
cblr-14258	172	116	general	general	ADJ
cblr-14258	172	117	,	,	PUNCT
cblr-14258	172	118	“	"	PUNCT
cblr-14258	172	119	enforcement	enforcement	NOUN
cblr-14258	172	120	of	of	ADP
cblr-14258	172	121	a	a	DET
cblr-14258	172	122	foreclosure	foreclosure	NOUN
cblr-14258	172	123	judgment	judgment	NOUN
cblr-14258	172	124	occurs	occur	VERB
cblr-14258	172	125	upon	upon	SCONJ
cblr-14258	172	126	the	the	DET
cblr-14258	172	127	conducting	conducting	NOUN
cblr-14258	172	128	of	of	ADP
cblr-14258	172	129	the	the	DET
cblr-14258	172	130	sale	sale	NOUN
cblr-14258	172	131	.	.	PUNCT
cblr-14258	173	1	”44	”44	PROPN
cblr-14258	173	2	however	however	ADV
cblr-14258	173	3	,	,	PUNCT
cblr-14258	173	4	the	the	DET
cblr-14258	173	5	court	court	NOUN
cblr-14258	173	6	also	also	ADV
cblr-14258	173	7	stated	state	VERB
cblr-14258	173	8	that	that	SCONJ
cblr-14258	173	9	it	it	PRON
cblr-14258	173	10	is	be	AUX
cblr-14258	173	11	well	well	ADV
cblr-14258	173	12	-	-	PUNCT
cblr-14258	173	13	settled	settle	VERB
cblr-14258	173	14	law	law	NOUN
cblr-14258	173	15	that	that	PRON
cblr-14258	173	16	property	property	NOUN
cblr-14258	173	17	rights	right	NOUN
cblr-14258	173	18	“	"	PUNCT
cblr-14258	173	19	vested	vest	VERB
cblr-14258	173	20	by	by	ADP
cblr-14258	173	21	courts	court	NOUN
cblr-14258	173	22	’	'	PUNCT
cblr-14258	173	23	prior	prior	ADJ
cblr-14258	173	24	actions	action	NOUN
cblr-14258	173	25	are	be	AUX
cblr-14258	173	26	40	40	NUM
cblr-14258	173	27	leonardo	leonardo	NOUN
cblr-14258	173	28	,	,	PUNCT
cblr-14258	173	29	192	192	NUM
cblr-14258	173	30	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	173	31	at	at	ADP
cblr-14258	173	32	475	475	NUM
cblr-14258	173	33	.	.	PUNCT
cblr-14258	174	1	41	41	NUM
cblr-14258	175	1	i	i	PRON
cblr-14258	175	2	d.	d.	PROPN
cblr-14258	175	3	at	at	ADP
cblr-14258	175	4	473	473	NUM
cblr-14258	175	5	.	.	PUNCT
cblr-14258	176	1	42	42	NUM
cblr-14258	177	1	i	i	PRON
cblr-14258	177	2	d.	d.	PROPN
cblr-14258	177	3	at	at	ADP
cblr-14258	177	4	473–74	473–74	PROPN
cblr-14258	177	5	.	.	PROPN
cblr-14258	177	6	43	43	NUM
cblr-14258	178	1	i	i	PRON
cblr-14258	178	2	d.	d.	PROPN
cblr-14258	178	3	at	at	ADP
cblr-14258	178	4	474	474	NUM
cblr-14258	178	5	.	.	PUNCT
cblr-14258	179	1	44	44	NUM
cblr-14258	180	1	i	i	PRON
cblr-14258	180	2	d.	d.	PROPN
cblr-14258	180	3	at	at	ADP
cblr-14258	180	4	474–75	474–75	PROPN
cblr-14258	180	5	(	(	PUNCT
cblr-14258	180	6	emphasis	emphasis	NOUN
cblr-14258	180	7	added	add	VERB
cblr-14258	180	8	)	)	PUNCT
cblr-14258	180	9	.	.	PUNCT
cblr-14258	181	1	628	628	NUM
cblr-14258	181	2	columbia	columbia	PROPN
cblr-14258	181	3	business	business	NOUN
cblr-14258	181	4	law	law	PROPN
cblr-14258	181	5	review	review	NOUN
cblr-14258	181	6	[	[	X
cblr-14258	181	7	vol	vol	NOUN
cblr-14258	181	8	.	.	PUNCT
cblr-14258	181	9	2025	2025	NUM
cblr-14258	181	10	placed	place	VERB
cblr-14258	181	11	beyond	beyond	ADP
cblr-14258	181	12	the	the	DET
cblr-14258	181	13	reach	reach	NOUN
cblr-14258	181	14	of	of	ADP
cblr-14258	181	15	legislative	legislative	ADJ
cblr-14258	181	16	power	power	NOUN
cblr-14258	181	17	.	.	PUNCT
cblr-14258	182	1	”45	”45	PROPN
cblr-14258	182	2	the	the	DET
cblr-14258	182	3	2015	2015	NUM
cblr-14258	182	4	jfs	jfs	NOUN
cblr-14258	182	5	,	,	PUNCT
cblr-14258	182	6	although	although	SCONJ
cblr-14258	182	7	not	not	PART
cblr-14258	182	8	having	having	AUX
cblr-14258	182	9	resulted	result	VERB
cblr-14258	182	10	in	in	ADP
cblr-14258	182	11	an	an	DET
cblr-14258	182	12	actual	actual	ADJ
cblr-14258	182	13	sale	sale	NOUN
cblr-14258	182	14	and	and	CCONJ
cblr-14258	182	15	thus	thus	ADV
cblr-14258	182	16	not	not	PART
cblr-14258	182	17	enforced	enforce	VERB
cblr-14258	182	18	,	,	PUNCT
cblr-14258	182	19	should	should	AUX
cblr-14258	182	20	still	still	ADV
cblr-14258	182	21	have	have	AUX
cblr-14258	182	22	granted	grant	VERB
cblr-14258	182	23	a	a	DET
cblr-14258	182	24	vested	vested	ADJ
cblr-14258	182	25	property	property	NOUN
cblr-14258	182	26	interest	interest	NOUN
cblr-14258	182	27	in	in	ADP
cblr-14258	182	28	plaintiff	plaintiff	NOUN
cblr-14258	182	29	-	-	PUNCT
cblr-14258	182	30	mortgagee	mortgagee	NOUN
cblr-14258	182	31	,	,	PUNCT
cblr-14258	182	32	who	who	PRON
cblr-14258	182	33	had	have	AUX
cblr-14258	182	34	attempted	attempt	VERB
cblr-14258	182	35	to	to	PART
cblr-14258	182	36	enforce	enforce	VERB
cblr-14258	182	37	the	the	DET
cblr-14258	182	38	judgment	judgment	NOUN
cblr-14258	182	39	by	by	ADP
cblr-14258	182	40	scheduling	schedule	VERB
cblr-14258	182	41	a	a	DET
cblr-14258	182	42	sale	sale	NOUN
cblr-14258	182	43	despite	despite	SCONJ
cblr-14258	182	44	excessive	excessive	ADJ
cblr-14258	182	45	delay	delay	NOUN
cblr-14258	182	46	from	from	ADP
cblr-14258	182	47	mortgagor	mortgagor	PROPN
cblr-14258	182	48	’s	’s	PART
cblr-14258	182	49	failed	fail	VERB
cblr-14258	182	50	motions.46	motions.46	NOUN
cblr-14258	182	51	if	if	SCONJ
cblr-14258	182	52	fapa	fapa	NOUN
cblr-14258	182	53	were	be	AUX
cblr-14258	182	54	retroactively	retroactively	ADV
cblr-14258	182	55	applied	apply	VERB
cblr-14258	182	56	in	in	ADP
cblr-14258	182	57	this	this	DET
cblr-14258	182	58	situation	situation	NOUN
cblr-14258	182	59	,	,	PUNCT
cblr-14258	182	60	the	the	DET
cblr-14258	182	61	court	court	NOUN
cblr-14258	182	62	reasoned	reason	VERB
cblr-14258	182	63	,	,	PUNCT
cblr-14258	182	64	it	it	PRON
cblr-14258	182	65	would	would	AUX
cblr-14258	182	66	deny	deny	VERB
cblr-14258	182	67	the	the	DET
cblr-14258	182	68	mortgagee	mortgagee	NOUN
cblr-14258	182	69	,	,	PUNCT
cblr-14258	182	70	who	who	PRON
cblr-14258	182	71	had	have	AUX
cblr-14258	182	72	taken	take	VERB
cblr-14258	182	73	significant	significant	ADJ
cblr-14258	182	74	efforts	effort	NOUN
cblr-14258	182	75	toward	toward	ADP
cblr-14258	182	76	the	the	DET
cblr-14258	182	77	enforcement	enforcement	NOUN
cblr-14258	182	78	of	of	ADP
cblr-14258	182	79	the	the	DET
cblr-14258	182	80	foreclosure	foreclosure	NOUN
cblr-14258	182	81	judgment	judgment	NOUN
cblr-14258	182	82	,	,	PUNCT
cblr-14258	182	83	“	"	PUNCT
cblr-14258	182	84	the	the	DET
cblr-14258	182	85	fruits	fruit	NOUN
cblr-14258	182	86	of	of	ADP
cblr-14258	182	87	their	their	PRON
cblr-14258	182	88	judgment	judgment	NOUN
cblr-14258	182	89	,	,	PUNCT
cblr-14258	182	90	which	which	PRON
cblr-14258	182	91	by	by	ADP
cblr-14258	182	92	virtue	virtue	NOUN
cblr-14258	182	93	of	of	ADP
cblr-14258	182	94	the	the	DET
cblr-14258	182	95	adjudication	adjudication	NOUN
cblr-14258	182	96	are	be	AUX
cblr-14258	182	97	vested	vested	ADJ
cblr-14258	182	98	property	property	NOUN
cblr-14258	182	99	rights	right	NOUN
cblr-14258	182	100	.	.	PUNCT
cblr-14258	183	1	”47	”47	PROPN
cblr-14258	183	2	despite	despite	SCONJ
cblr-14258	183	3	the	the	DET
cblr-14258	183	4	clear	clear	ADJ
cblr-14258	183	5	legislative	legislative	ADJ
cblr-14258	183	6	intent	intent	NOUN
cblr-14258	183	7	to	to	PART
cblr-14258	183	8	apply	apply	VERB
cblr-14258	183	9	fapa	fapa	NOUN
cblr-14258	183	10	retroactively	retroactively	ADV
cblr-14258	183	11	,	,	PUNCT
cblr-14258	183	12	the	the	DET
cblr-14258	183	13	court	court	NOUN
cblr-14258	183	14	nonetheless	nonetheless	ADV
cblr-14258	183	15	held	hold	VERB
cblr-14258	183	16	that	that	SCONJ
cblr-14258	183	17	fapa	fapa	NOUN
cblr-14258	183	18	“	"	PUNCT
cblr-14258	183	19	can	can	AUX
cblr-14258	183	20	not	not	PART
cblr-14258	183	21	be	be	AUX
cblr-14258	183	22	reasonably	reasonably	ADV
cblr-14258	183	23	construed	construe	VERB
cblr-14258	183	24	as	as	SCONJ
cblr-14258	183	25	to	to	PART
cblr-14258	183	26	have	have	AUX
cblr-14258	183	27	been	be	AUX
cblr-14258	183	28	intended	intend	VERB
cblr-14258	183	29	to	to	PART
cblr-14258	183	30	instead	instead	ADV
cblr-14258	183	31	provide	provide	VERB
cblr-14258	183	32	a	a	DET
cblr-14258	183	33	savvy	savvy	ADJ
cblr-14258	183	34	and/or	and/or	CCONJ
cblr-14258	183	35	litigious	litigious	ADJ
cblr-14258	183	36	defendant	defendant	NOUN
cblr-14258	183	37	the	the	DET
cblr-14258	183	38	infinite	infinite	ADJ
cblr-14258	183	39	opportunity	opportunity	NOUN
cblr-14258	183	40	to	to	PART
cblr-14258	183	41	prevent	prevent	VERB
cblr-14258	183	42	a	a	DET
cblr-14258	183	43	plaintiff	plaintiff	NOUN
cblr-14258	183	44	from	from	ADP
cblr-14258	183	45	enforcing	enforce	VERB
cblr-14258	183	46	their	their	PRON
cblr-14258	183	47	judgment	judgment	NOUN
cblr-14258	183	48	and	and	CCONJ
cblr-14258	183	49	reaching	reach	VERB
cblr-14258	183	50	the	the	DET
cblr-14258	183	51	case	case	NOUN
cblr-14258	183	52	’s	’s	PART
cblr-14258	183	53	conclusion	conclusion	NOUN
cblr-14258	183	54	,	,	PUNCT
cblr-14258	183	55	”	"	PUNCT
cblr-14258	183	56	which	which	PRON
cblr-14258	183	57	would	would	AUX
cblr-14258	183	58	lead	lead	VERB
cblr-14258	183	59	to	to	ADP
cblr-14258	183	60	“	"	PUNCT
cblr-14258	183	61	patently	patently	ADV
cblr-14258	183	62	unreasonable	unreasonable	ADJ
cblr-14258	183	63	results	result	NOUN
cblr-14258	183	64	.	.	PUNCT
cblr-14258	184	1	”48	”48	PROPN
cblr-14258	184	2	consequently	consequently	ADV
cblr-14258	184	3	,	,	PUNCT
cblr-14258	184	4	the	the	DET
cblr-14258	184	5	court	court	NOUN
cblr-14258	184	6	ruled	rule	VERB
cblr-14258	184	7	that	that	SCONJ
cblr-14258	184	8	once	once	SCONJ
cblr-14258	184	9	a	a	DET
cblr-14258	184	10	sale	sale	NOUN
cblr-14258	184	11	has	have	AUX
cblr-14258	184	12	been	be	AUX
cblr-14258	184	13	scheduled	schedule	VERB
cblr-14258	184	14	,	,	PUNCT
cblr-14258	184	15	even	even	ADV
cblr-14258	184	16	if	if	SCONJ
cblr-14258	184	17	not	not	PART
cblr-14258	184	18	completed	complete	VERB
cblr-14258	184	19	,	,	PUNCT
cblr-14258	184	20	the	the	DET
cblr-14258	184	21	jfs	jfs	NOUN
cblr-14258	184	22	would	would	AUX
cblr-14258	184	23	be	be	AUX
cblr-14258	184	24	deemed	deem	VERB
cblr-14258	184	25	“	"	PUNCT
cblr-14258	184	26	enforced	enforce	VERB
cblr-14258	184	27	,	,	PUNCT
cblr-14258	184	28	”	"	PUNCT
cblr-14258	184	29	and	and	CCONJ
cblr-14258	184	30	the	the	DET
cblr-14258	184	31	mortgagee	mortgagee	NOUN
cblr-14258	184	32	would	would	AUX
cblr-14258	184	33	gain	gain	VERB
cblr-14258	184	34	a	a	DET
cblr-14258	184	35	vested	vested	ADJ
cblr-14258	184	36	property	property	NOUN
cblr-14258	184	37	right	right	ADV
cblr-14258	184	38	beyond	beyond	ADP
cblr-14258	184	39	the	the	DET
cblr-14258	184	40	reach	reach	NOUN
cblr-14258	184	41	of	of	ADP
cblr-14258	184	42	fapa.49	fapa.49	ADP
cblr-14258	184	43	the	the	DET
cblr-14258	184	44	mortgagor	mortgagor	NOUN
cblr-14258	184	45	’s	’s	PART
cblr-14258	184	46	motion	motion	NOUN
cblr-14258	184	47	was	be	AUX
cblr-14258	184	48	thus	thus	ADV
cblr-14258	184	49	denied	deny	VERB
cblr-14258	184	50	.	.	PUNCT
cblr-14258	185	1	similarly	similarly	ADV
cblr-14258	185	2	,	,	PUNCT
cblr-14258	185	3	in	in	ADP
cblr-14258	185	4	mtglq	mtglq	NOUN
cblr-14258	185	5	investors	investor	NOUN
cblr-14258	185	6	,	,	PUNCT
cblr-14258	185	7	l.p	l.p	PROPN
cblr-14258	185	8	.	.	PROPN
cblr-14258	185	9	v.	v.	PROPN
cblr-14258	185	10	gross	gross	PROPN
cblr-14258	185	11	,	,	PUNCT
cblr-14258	185	12	a	a	DET
cblr-14258	185	13	mortgagee	mortgagee	NOUN
cblr-14258	185	14	brought	bring	VERB
cblr-14258	185	15	a	a	DET
cblr-14258	185	16	foreclosure	foreclosure	NOUN
cblr-14258	185	17	action	action	NOUN
cblr-14258	185	18	in	in	ADP
cblr-14258	185	19	2010	2010	NUM
cblr-14258	185	20	but	but	CCONJ
cblr-14258	185	21	then	then	ADV
cblr-14258	185	22	voluntarily	voluntarily	ADV
cblr-14258	185	23	discontinued	discontinue	VERB
cblr-14258	185	24	a	a	DET
cblr-14258	185	25	few	few	ADJ
cblr-14258	185	26	years	year	NOUN
cblr-14258	185	27	later	later	ADV
cblr-14258	185	28	,	,	PUNCT
cblr-14258	185	29	thereby	thereby	ADV
cblr-14258	185	30	revoking	revoke	VERB
cblr-14258	185	31	the	the	DET
cblr-14258	185	32	acceleration	acceleration	NOUN
cblr-14258	185	33	and	and	CCONJ
cblr-14258	185	34	resetting	reset	VERB
cblr-14258	185	35	the	the	DET
cblr-14258	185	36	statute	statute	NOUN
cblr-14258	185	37	of	of	ADP
cblr-14258	185	38	limitations	limitation	NOUN
cblr-14258	185	39	under	under	ADP
cblr-14258	185	40	existing	exist	VERB
cblr-14258	185	41	laws	law	NOUN
cblr-14258	185	42	at	at	ADP
cblr-14258	185	43	the	the	DET
cblr-14258	185	44	time.50	time.50	PROPN
cblr-14258	185	45	the	the	DET
cblr-14258	185	46	mortgagee	mortgagee	NOUN
cblr-14258	185	47	later	later	ADV
cblr-14258	185	48	brought	bring	VERB
cblr-14258	185	49	a	a	DET
cblr-14258	185	50	new	new	ADJ
cblr-14258	185	51	foreclosure	foreclosure	NOUN
cblr-14258	185	52	action	action	NOUN
cblr-14258	185	53	on	on	ADP
cblr-14258	185	54	the	the	DET
cblr-14258	185	55	same	same	ADJ
cblr-14258	185	56	mortgage	mortgage	NOUN
cblr-14258	185	57	in	in	ADP
cblr-14258	185	58	2019	2019	NUM
cblr-14258	185	59	,	,	PUNCT
cblr-14258	185	60	and	and	CCONJ
cblr-14258	185	61	the	the	DET
cblr-14258	185	62	court	court	NOUN
cblr-14258	185	63	granted	grant	VERB
cblr-14258	185	64	summary	summary	NOUN
cblr-14258	185	65	judgment	judgment	NOUN
cblr-14258	185	66	in	in	ADP
cblr-14258	185	67	favor	favor	NOUN
cblr-14258	185	68	of	of	ADP
cblr-14258	185	69	the	the	DET
cblr-14258	185	70	mortgagee	mortgagee	NOUN
cblr-14258	185	71	in	in	ADP
cblr-14258	185	72	may	may	PROPN
cblr-14258	185	73	2022.51	2022.51	NUM
cblr-14258	185	74	after	after	SCONJ
cblr-14258	185	75	fapa	fapa	NOUN
cblr-14258	185	76	went	go	VERB
cblr-14258	185	77	into	into	ADP
cblr-14258	185	78	effect	effect	NOUN
cblr-14258	185	79	later	later	ADV
cblr-14258	185	80	that	that	DET
cblr-14258	185	81	year	year	NOUN
cblr-14258	185	82	,	,	PUNCT
cblr-14258	185	83	mortgagors	mortgagor	NOUN
cblr-14258	185	84	filed	file	VERB
cblr-14258	185	85	a	a	DET
cblr-14258	185	86	motion	motion	NOUN
cblr-14258	185	87	to	to	PART
cblr-14258	185	88	renew	renew	VERB
cblr-14258	185	89	,	,	PUNCT
cblr-14258	185	90	arguing	argue	VERB
cblr-14258	185	91	that	that	SCONJ
cblr-14258	185	92	fapa	fapa	NOUN
cblr-14258	185	93	should	should	AUX
cblr-14258	185	94	45	45	NUM
cblr-14258	185	95	i	i	PRON
cblr-14258	185	96	d.	d.	PROPN
cblr-14258	185	97	at	at	ADP
cblr-14258	185	98	475	475	NUM
cblr-14258	185	99	(	(	PUNCT
cblr-14258	185	100	quoting	quote	VERB
cblr-14258	185	101	people	people	NOUN
cblr-14258	185	102	ex	ex	X
cblr-14258	185	103	rel	rel	PROPN
cblr-14258	185	104	.	.	PUNCT
cblr-14258	186	1	h.d.h	h.d.h	PROPN
cblr-14258	186	2	.	.	PUNCT
cblr-14258	186	3	realty	realty	PROPN
cblr-14258	186	4	corp	corp	PROPN
cblr-14258	186	5	.	.	PROPN
cblr-14258	187	1	v.	v.	PROPN
cblr-14258	187	2	murphy	murphy	PROPN
cblr-14258	187	3	,	,	PUNCT
cblr-14258	187	4	186	186	NUM
cblr-14258	187	5	n.y.s	n.y.s	NOUN
cblr-14258	187	6	.	.	PUNCT
cblr-14258	188	1	38	38	NUM
cblr-14258	188	2	,	,	PUNCT
cblr-14258	188	3	44	44	NUM
cblr-14258	188	4	(	(	PUNCT
cblr-14258	188	5	n.y	n.y	PROPN
cblr-14258	188	6	.	.	PROPN
cblr-14258	188	7	app	app	PROPN
cblr-14258	188	8	.	.	PUNCT
cblr-14258	189	1	div	div	PROPN
cblr-14258	189	2	.	.	PUNCT
cblr-14258	190	1	1st	1st	ADJ
cblr-14258	190	2	dep’t	dep’t	NOUN
cblr-14258	190	3	1920	1920	NUM
cblr-14258	190	4	)	)	PUNCT
cblr-14258	190	5	,	,	PUNCT
cblr-14258	190	6	aff’d	aff’d	VERB
cblr-14258	190	7	,	,	PUNCT
cblr-14258	190	8	130	130	NUM
cblr-14258	190	9	n.e	n.e	PROPN
cblr-14258	190	10	.	.	PROPN
cblr-14258	190	11	923	923	NUM
cblr-14258	190	12	(	(	PUNCT
cblr-14258	190	13	n.y	n.y	PROPN
cblr-14258	190	14	.	.	PROPN
cblr-14258	190	15	1921	1921	NUM
cblr-14258	190	16	)	)	PUNCT
cblr-14258	190	17	)	)	PUNCT
cblr-14258	190	18	.	.	PUNCT
cblr-14258	191	1	46	46	NUM
cblr-14258	192	1	i	i	PRON
cblr-14258	192	2	d.	d.	PROPN
cblr-14258	192	3	47	47	NUM
cblr-14258	193	1	i	i	PRON
cblr-14258	193	2	d.	d.	PROPN
cblr-14258	193	3	48	48	NUM
cblr-14258	194	1	i	i	PRON
cblr-14258	194	2	d.	d.	PROPN
cblr-14258	194	3	at	at	ADP
cblr-14258	194	4	476	476	NUM
cblr-14258	194	5	.	.	PUNCT
cblr-14258	195	1	49	49	NUM
cblr-14258	196	1	i	i	PRON
cblr-14258	196	2	d.	d.	PROPN
cblr-14258	196	3	at	at	ADP
cblr-14258	196	4	476–77	476–77	PROPN
cblr-14258	196	5	.	.	PUNCT
cblr-14258	197	1	50	50	NUM
cblr-14258	197	2	mtglq	mtglq	NOUN
cblr-14258	197	3	invs	invs	NOUN
cblr-14258	197	4	.	.	PUNCT
cblr-14258	197	5	,	,	PUNCT
cblr-14258	197	6	l.p	l.p	PROPN
cblr-14258	197	7	.	.	PROPN
cblr-14258	197	8	v.	v.	ADP
cblr-14258	197	9	gross	gross	ADJ
cblr-14258	197	10	,	,	PUNCT
cblr-14258	197	11	190	190	NUM
cblr-14258	197	12	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	197	13	244	244	NUM
cblr-14258	197	14	,	,	PUNCT
cblr-14258	197	15	250	250	NUM
cblr-14258	197	16	(	(	PUNCT
cblr-14258	197	17	n.y	n.y	PROPN
cblr-14258	197	18	.	.	PROPN
cblr-14258	197	19	sup	sup	PROPN
cblr-14258	197	20	.	.	PUNCT
cblr-14258	198	1	ct	ct	NUM
cblr-14258	198	2	.	.	PROPN
cblr-14258	198	3	2023	2023	NUM
cblr-14258	198	4	)	)	PUNCT
cblr-14258	198	5	.	.	PUNCT
cblr-14258	199	1	51	51	NUM
cblr-14258	200	1	i	i	PRON
cblr-14258	200	2	d.	d.	PROPN
cblr-14258	200	3	at	at	ADP
cblr-14258	200	4	249	249	NUM
cblr-14258	200	5	.	.	PUNCT
cblr-14258	201	1	no	no	INTJ
cblr-14258	201	2	.	.	NOUN
cblr-14258	201	3	1	1	NUM
cblr-14258	201	4	]	]	PUNCT
cblr-14258	201	5	retroactive	retroactive	ADJ
cblr-14258	201	6	application	application	NOUN
cblr-14258	201	7	of	of	ADP
cblr-14258	201	8	the	the	DET
cblr-14258	201	9	ny	ny	PROPN
cblr-14258	201	10	fapa	fapa	PROPN
cblr-14258	201	11	629	629	NUM
cblr-14258	201	12	be	be	AUX
cblr-14258	201	13	applied	apply	VERB
cblr-14258	201	14	retroactively	retroactively	ADV
cblr-14258	201	15	and	and	CCONJ
cblr-14258	201	16	that	that	SCONJ
cblr-14258	201	17	fapa	fapa	NOUN
cblr-14258	201	18	rendered	render	VERB
cblr-14258	201	19	mortgagee	mortgagee	PROPN
cblr-14258	201	20	’s	’s	PART
cblr-14258	201	21	2019	2019	NUM
cblr-14258	201	22	foreclosure	foreclosure	NOUN
cblr-14258	201	23	action	action	NOUN
cblr-14258	201	24	time	time	NOUN
cblr-14258	201	25	-	-	PUNCT
cblr-14258	201	26	barred.52	barred.52	VERB
cblr-14258	201	27	the	the	DET
cblr-14258	201	28	supreme	supreme	PROPN
cblr-14258	201	29	&	&	CCONJ
cblr-14258	201	30	county	county	PROPN
cblr-14258	201	31	court	court	PROPN
cblr-14258	201	32	of	of	ADP
cblr-14258	201	33	westchester	westchester	PROPN
cblr-14258	201	34	county	county	PROPN
cblr-14258	201	35	denied	deny	VERB
cblr-14258	201	36	the	the	DET
cblr-14258	201	37	motion	motion	NOUN
cblr-14258	201	38	.	.	PUNCT
cblr-14258	202	1	in	in	ADP
cblr-14258	202	2	the	the	DET
cblr-14258	202	3	vein	vein	NOUN
cblr-14258	202	4	of	of	ADP
cblr-14258	202	5	nassau	nassau	PROPN
cblr-14258	202	6	county	county	PROPN
cblr-14258	202	7	’s	’s	PART
cblr-14258	202	8	reasoning	reasoning	NOUN
cblr-14258	202	9	,	,	PUNCT
cblr-14258	202	10	the	the	DET
cblr-14258	202	11	court	court	NOUN
cblr-14258	202	12	noted	note	VERB
cblr-14258	202	13	that	that	SCONJ
cblr-14258	202	14	despite	despite	SCONJ
cblr-14258	202	15	fapa	fapa	NOUN
cblr-14258	202	16	’s	’s	PART
cblr-14258	202	17	legislative	legislative	ADJ
cblr-14258	202	18	intent	intent	NOUN
cblr-14258	202	19	to	to	PART
cblr-14258	202	20	eliminate	eliminate	VERB
cblr-14258	202	21	abusive	abusive	ADJ
cblr-14258	202	22	tactics	tactic	NOUN
cblr-14258	202	23	,	,	PUNCT
cblr-14258	202	24	if	if	SCONJ
cblr-14258	202	25	its	its	PRON
cblr-14258	202	26	retroactive	retroactive	ADJ
cblr-14258	202	27	application	application	NOUN
cblr-14258	202	28	destroys	destroy	VERB
cblr-14258	202	29	accrued	accrue	VERB
cblr-14258	202	30	rights	right	NOUN
cblr-14258	202	31	under	under	ADP
cblr-14258	202	32	existing	exist	VERB
cblr-14258	202	33	laws	law	NOUN
cblr-14258	202	34	or	or	CCONJ
cblr-14258	202	35	a	a	DET
cblr-14258	202	36	prior	prior	ADJ
cblr-14258	202	37	court	court	NOUN
cblr-14258	202	38	’s	’s	PART
cblr-14258	202	39	determination	determination	NOUN
cblr-14258	202	40	,	,	PUNCT
cblr-14258	202	41	then	then	ADV
cblr-14258	202	42	fapa	fapa	NOUN
cblr-14258	202	43	would	would	AUX
cblr-14258	202	44	be	be	AUX
cblr-14258	202	45	invalid.53	invalid.53	VERB
cblr-14258	202	46	the	the	DET
cblr-14258	202	47	court	court	NOUN
cblr-14258	202	48	reasoned	reason	VERB
cblr-14258	202	49	that	that	SCONJ
cblr-14258	202	50	“	"	PUNCT
cblr-14258	202	51	while	while	SCONJ
cblr-14258	202	52	summary	summary	NOUN
cblr-14258	202	53	judgment	judgment	NOUN
cblr-14258	202	54	is	be	AUX
cblr-14258	202	55	not	not	PART
cblr-14258	202	56	a	a	DET
cblr-14258	202	57	final	final	ADJ
cblr-14258	202	58	[	[	X
cblr-14258	202	59	jfs	jfs	NOUN
cblr-14258	202	60	]	]	PUNCT
cblr-14258	202	61	,	,	PUNCT
cblr-14258	202	62	application	application	NOUN
cblr-14258	202	63	of	of	ADP
cblr-14258	202	64	fapa	fapa	NOUN
cblr-14258	202	65	in	in	ADP
cblr-14258	202	66	the	the	DET
cblr-14258	202	67	instant	instant	ADJ
cblr-14258	202	68	matter	matter	NOUN
cblr-14258	202	69	would	would	AUX
cblr-14258	202	70	have	have	VERB
cblr-14258	202	71	a	a	DET
cblr-14258	202	72	retroactive	retroactive	ADJ
cblr-14258	202	73	effect	effect	NOUN
cblr-14258	202	74	on	on	ADP
cblr-14258	202	75	plaintiff	plaintiff	NOUN
cblr-14258	202	76	’s	’s	PART
cblr-14258	202	77	vested	vested	ADJ
cblr-14258	202	78	rights	right	NOUN
cblr-14258	202	79	obtained	obtain	VERB
cblr-14258	202	80	through	through	ADP
cblr-14258	202	81	the	the	DET
cblr-14258	202	82	prior	prior	ADJ
cblr-14258	202	83	determination	determination	NOUN
cblr-14258	202	84	of	of	ADP
cblr-14258	202	85	the	the	DET
cblr-14258	202	86	court	court	NOUN
cblr-14258	202	87	.	.	PUNCT
cblr-14258	203	1	”54	”54	AUX
cblr-14258	203	2	the	the	DET
cblr-14258	203	3	court	court	NOUN
cblr-14258	203	4	stated	state	VERB
cblr-14258	203	5	that	that	SCONJ
cblr-14258	203	6	fapa	fapa	NOUN
cblr-14258	203	7	“	"	PUNCT
cblr-14258	203	8	was	be	AUX
cblr-14258	203	9	not	not	PART
cblr-14258	203	10	intended	intend	VERB
cblr-14258	203	11	to	to	PART
cblr-14258	203	12	be	be	AUX
cblr-14258	203	13	used	use	VERB
cblr-14258	203	14	as	as	ADP
cblr-14258	203	15	a	a	DET
cblr-14258	203	16	means	means	NOUN
cblr-14258	203	17	to	to	PART
cblr-14258	203	18	reach	reach	VERB
cblr-14258	203	19	back	back	ADV
cblr-14258	203	20	in	in	ADP
cblr-14258	203	21	the	the	DET
cblr-14258	203	22	case	case	NOUN
cblr-14258	203	23	history	history	NOUN
cblr-14258	203	24	and	and	CCONJ
cblr-14258	203	25	bypass	bypass	NOUN
cblr-14258	203	26	determinations	determination	NOUN
cblr-14258	203	27	rendered	render	VERB
cblr-14258	203	28	by	by	ADP
cblr-14258	203	29	courts	court	NOUN
cblr-14258	203	30	,	,	PUNCT
cblr-14258	203	31	”	"	PUNCT
cblr-14258	203	32	and	and	CCONJ
cblr-14258	203	33	that	that	SCONJ
cblr-14258	203	34	retroactive	retroactive	ADJ
cblr-14258	203	35	application	application	NOUN
cblr-14258	203	36	of	of	ADP
cblr-14258	203	37	fapa	fapa	NOUN
cblr-14258	203	38	would	would	AUX
cblr-14258	203	39	completely	completely	ADV
cblr-14258	203	40	disable	disable	VERB
cblr-14258	203	41	the	the	DET
cblr-14258	203	42	plaintiff	plaintiff	NOUN
cblr-14258	203	43	mortgagee	mortgagee	PROPN
cblr-14258	203	44	’s	’s	PART
cblr-14258	203	45	2019	2019	NUM
cblr-14258	203	46	action	action	NOUN
cblr-14258	203	47	despite	despite	SCONJ
cblr-14258	203	48	the	the	DET
cblr-14258	203	49	accrued	accrue	VERB
cblr-14258	203	50	judgment	judgment	NOUN
cblr-14258	203	51	in	in	ADP
cblr-14258	203	52	its	its	PRON
cblr-14258	203	53	favor	favor	NOUN
cblr-14258	203	54	under	under	ADP
cblr-14258	203	55	the	the	DET
cblr-14258	203	56	existing	exist	VERB
cblr-14258	203	57	laws.55	laws.55	NOUN
cblr-14258	203	58	interestingly	interestingly	ADV
cblr-14258	203	59	,	,	PUNCT
cblr-14258	203	60	the	the	DET
cblr-14258	203	61	same	same	ADJ
cblr-14258	203	62	court	court	NOUN
cblr-14258	203	63	in	in	ADP
cblr-14258	203	64	gross	gross	ADJ
cblr-14258	203	65	has	have	AUX
cblr-14258	203	66	also	also	ADV
cblr-14258	203	67	allowed	allow	VERB
cblr-14258	203	68	retroactive	retroactive	ADJ
cblr-14258	203	69	application	application	NOUN
cblr-14258	203	70	in	in	ADP
cblr-14258	203	71	a	a	DET
cblr-14258	203	72	case	case	NOUN
cblr-14258	203	73	with	with	ADP
cblr-14258	203	74	a	a	DET
cblr-14258	203	75	prior	prior	ADJ
cblr-14258	203	76	jfs	jfs	NOUN
cblr-14258	203	77	.	.	PUNCT
cblr-14258	204	1	in	in	ADP
cblr-14258	204	2	miele	miele	PROPN
cblr-14258	204	3	,	,	PUNCT
cblr-14258	204	4	a	a	DET
cblr-14258	204	5	mortgagee	mortgagee	NOUN
cblr-14258	204	6	’s	’s	PART
cblr-14258	204	7	predecessor	predecessor	NOUN
cblr-14258	204	8	brought	bring	VERB
cblr-14258	204	9	an	an	DET
cblr-14258	204	10	action	action	NOUN
cblr-14258	204	11	against	against	ADP
cblr-14258	204	12	mortgagor	mortgagor	ADJ
cblr-14258	204	13	miele	miele	PROPN
cblr-14258	204	14	in	in	ADP
cblr-14258	204	15	2009	2009	NUM
cblr-14258	204	16	.	.	PUNCT
cblr-14258	205	1	in	in	ADP
cblr-14258	205	2	2015	2015	NUM
cblr-14258	205	3	,	,	PUNCT
cblr-14258	205	4	u.s	u.s	PROPN
cblr-14258	205	5	.	.	PROPN
cblr-14258	205	6	bank	bank	PROPN
cblr-14258	205	7	trust	trust	PROPN
cblr-14258	205	8	,	,	PUNCT
cblr-14258	205	9	the	the	DET
cblr-14258	205	10	then	then	ADV
cblr-14258	205	11	-	-	PUNCT
cblr-14258	205	12	present	present	NOUN
cblr-14258	205	13	mortgagee	mortgagee	NOUN
cblr-14258	205	14	,	,	PUNCT
cblr-14258	205	15	sent	send	VERB
cblr-14258	205	16	miele	miele	PROPN
cblr-14258	205	17	letters	letter	NOUN
cblr-14258	205	18	purportedly	purportedly	ADV
cblr-14258	205	19	de	de	VERB
cblr-14258	205	20	-	-	VERB
cblr-14258	205	21	accelerating	accelerate	VERB
cblr-14258	205	22	the	the	DET
cblr-14258	205	23	debt	debt	NOUN
cblr-14258	205	24	and	and	CCONJ
cblr-14258	205	25	reinstituting	reinstitute	VERB
cblr-14258	205	26	the	the	DET
cblr-14258	205	27	loan	loan	NOUN
cblr-14258	205	28	as	as	ADP
cblr-14258	205	29	an	an	DET
cblr-14258	205	30	installment.56	installment.56	NOUN
cblr-14258	205	31	in	in	ADP
cblr-14258	205	32	2016	2016	NUM
cblr-14258	205	33	,	,	PUNCT
cblr-14258	205	34	mortgagee	mortgagee	PROPN
cblr-14258	205	35	commenced	commence	VERB
cblr-14258	205	36	a	a	DET
cblr-14258	205	37	second	second	ADJ
cblr-14258	205	38	action	action	NOUN
cblr-14258	205	39	against	against	ADP
cblr-14258	205	40	miele	miele	PROPN
cblr-14258	205	41	,	,	PUNCT
cblr-14258	205	42	who	who	PRON
cblr-14258	205	43	filed	file	VERB
cblr-14258	205	44	a	a	DET
cblr-14258	205	45	motion	motion	NOUN
cblr-14258	205	46	to	to	PART
cblr-14258	205	47	dismiss	dismiss	VERB
cblr-14258	205	48	,	,	PUNCT
cblr-14258	205	49	claiming	claim	VERB
cblr-14258	205	50	that	that	SCONJ
cblr-14258	205	51	the	the	DET
cblr-14258	205	52	action	action	NOUN
cblr-14258	205	53	was	be	AUX
cblr-14258	205	54	timebarred	timebarre	VERB
cblr-14258	205	55	because	because	SCONJ
cblr-14258	205	56	it	it	PRON
cblr-14258	205	57	was	be	AUX
cblr-14258	205	58	commenced	commence	VERB
cblr-14258	205	59	beyond	beyond	ADP
cblr-14258	205	60	the	the	DET
cblr-14258	205	61	six	six	NUM
cblr-14258	205	62	-	-	PUNCT
cblr-14258	205	63	year	year	NOUN
cblr-14258	205	64	statute	statute	NOUN
cblr-14258	205	65	of	of	ADP
cblr-14258	205	66	limitations	limitation	NOUN
cblr-14258	205	67	that	that	PRON
cblr-14258	205	68	was	be	AUX
cblr-14258	205	69	triggered	trigger	VERB
cblr-14258	205	70	in	in	ADP
cblr-14258	205	71	2009.57	2009.57	NUM
cblr-14258	205	72	the	the	DET
cblr-14258	205	73	court	court	NOUN
cblr-14258	205	74	denied	deny	VERB
cblr-14258	205	75	the	the	DET
cblr-14258	205	76	motion	motion	NOUN
cblr-14258	205	77	and	and	CCONJ
cblr-14258	205	78	determined	determine	VERB
cblr-14258	205	79	that	that	SCONJ
cblr-14258	205	80	the	the	DET
cblr-14258	205	81	acceleration	acceleration	NOUN
cblr-14258	205	82	in	in	ADP
cblr-14258	205	83	2009	2009	NUM
cblr-14258	205	84	was	be	AUX
cblr-14258	205	85	revoked	revoke	VERB
cblr-14258	205	86	by	by	ADP
cblr-14258	205	87	plaintiff	plaintiff	NOUN
cblr-14258	205	88	-	-	PUNCT
cblr-14258	205	89	mortgagee	mortgagee	PROPN
cblr-14258	205	90	’s	’s	PART
cblr-14258	205	91	deacceleration	deacceleration	NOUN
cblr-14258	205	92	letters	letter	NOUN
cblr-14258	205	93	in	in	ADP
cblr-14258	205	94	2015	2015	NUM
cblr-14258	205	95	,	,	PUNCT
cblr-14258	205	96	so	so	ADV
cblr-14258	205	97	the	the	DET
cblr-14258	205	98	statute	statute	NOUN
cblr-14258	205	99	of	of	ADP
cblr-14258	205	100	limitations	limitation	NOUN
cblr-14258	205	101	was	be	AUX
cblr-14258	205	102	tolled	toll	VERB
cblr-14258	205	103	under	under	ADP
cblr-14258	205	104	existing	exist	VERB
cblr-14258	205	105	laws	law	NOUN
cblr-14258	205	106	,	,	PUNCT
cblr-14258	205	107	and	and	CCONJ
cblr-14258	205	108	the	the	DET
cblr-14258	205	109	second	second	ADJ
cblr-14258	205	110	action	action	NOUN
cblr-14258	205	111	was	be	AUX
cblr-14258	205	112	thus	thus	ADV
cblr-14258	205	113	timely.58	timely.58	ADJ
cblr-14258	205	114	a	a	DET
cblr-14258	205	115	jfs	jfs	NOUN
cblr-14258	205	116	was	be	AUX
cblr-14258	205	117	52	52	NUM
cblr-14258	205	118	i	i	PROPN
cblr-14258	205	119	d.	d.	PROPN
cblr-14258	205	120	53	53	NUM
cblr-14258	206	1	i	i	PRON
cblr-14258	206	2	d.	d.	PROPN
cblr-14258	206	3	54	54	NUM
cblr-14258	207	1	i	i	PRON
cblr-14258	207	2	d.	d.	VERB
cblr-14258	207	3	at	at	ADP
cblr-14258	207	4	250	250	NUM
cblr-14258	207	5	(	(	PUNCT
cblr-14258	207	6	emphasis	emphasis	NOUN
cblr-14258	207	7	added	add	VERB
cblr-14258	207	8	)	)	PUNCT
cblr-14258	207	9	.	.	PUNCT
cblr-14258	208	1	55	55	NUM
cblr-14258	209	1	i	i	PRON
cblr-14258	209	2	d.	d.	PROPN
cblr-14258	209	3	56	56	NUM
cblr-14258	209	4	u.s	u.s	PROPN
cblr-14258	209	5	.	.	PROPN
cblr-14258	209	6	bank	bank	PROPN
cblr-14258	209	7	tr	tr	VERB
cblr-14258	209	8	.	.	PROPN
cblr-14258	209	9	,	,	PUNCT
cblr-14258	209	10	n.a	n.a	PROPN
cblr-14258	209	11	.	.	PROPN
cblr-14258	210	1	v.	v.	PROPN
cblr-14258	210	2	miele	miele	PROPN
cblr-14258	210	3	,	,	PUNCT
cblr-14258	210	4	197	197	NUM
cblr-14258	210	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	210	6	656	656	NUM
cblr-14258	210	7	,	,	PUNCT
cblr-14258	210	8	661	661	NUM
cblr-14258	210	9	(	(	PUNCT
cblr-14258	210	10	n.y	n.y	PROPN
cblr-14258	210	11	.	.	PROPN
cblr-14258	210	12	sup	sup	PROPN
cblr-14258	210	13	.	.	PUNCT
cblr-14258	211	1	ct	ct	NUM
cblr-14258	211	2	.	.	PROPN
cblr-14258	211	3	2023	2023	NUM
cblr-14258	211	4	)	)	PUNCT
cblr-14258	211	5	.	.	PUNCT
cblr-14258	212	1	57	57	NUM
cblr-14258	213	1	i	i	PRON
cblr-14258	213	2	d.	d.	PROPN
cblr-14258	213	3	at	at	ADP
cblr-14258	213	4	661–62	661–62	NUM
cblr-14258	213	5	.	.	PUNCT
cblr-14258	214	1	58	58	NUM
cblr-14258	215	1	i	i	PRON
cblr-14258	215	2	d.	d.	NOUN
cblr-14258	215	3	at	at	ADP
cblr-14258	215	4	662	662	NUM
cblr-14258	215	5	.	.	PUNCT
cblr-14258	216	1	630	630	NUM
cblr-14258	216	2	columbia	columbia	PROPN
cblr-14258	216	3	business	business	NOUN
cblr-14258	216	4	law	law	PROPN
cblr-14258	216	5	review	review	NOUN
cblr-14258	216	6	[	[	X
cblr-14258	216	7	vol	vol	NOUN
cblr-14258	216	8	.	.	PUNCT
cblr-14258	216	9	2025	2025	NUM
cblr-14258	216	10	issued	issue	VERB
cblr-14258	216	11	in	in	ADP
cblr-14258	216	12	january	january	PROPN
cblr-14258	216	13	2023	2023	NUM
cblr-14258	216	14	,	,	PUNCT
cblr-14258	216	15	for	for	ADP
cblr-14258	216	16	the	the	DET
cblr-14258	216	17	mortgagee	mortgagee	NOUN
cblr-14258	216	18	,	,	PUNCT
cblr-14258	216	19	but	but	CCONJ
cblr-14258	216	20	in	in	ADP
cblr-14258	216	21	response	response	NOUN
cblr-14258	216	22	to	to	ADP
cblr-14258	216	23	the	the	DET
cblr-14258	216	24	introduction	introduction	NOUN
cblr-14258	216	25	of	of	ADP
cblr-14258	216	26	fapa	fapa	NOUN
cblr-14258	216	27	in	in	ADP
cblr-14258	216	28	2022	2022	NUM
cblr-14258	216	29	,	,	PUNCT
cblr-14258	216	30	miele	miele	PROPN
cblr-14258	216	31	then	then	ADV
cblr-14258	216	32	filed	file	VERB
cblr-14258	216	33	a	a	DET
cblr-14258	216	34	motion	motion	NOUN
cblr-14258	216	35	to	to	PART
cblr-14258	216	36	renew	renew	VERB
cblr-14258	216	37	the	the	DET
cblr-14258	216	38	prior	prior	ADJ
cblr-14258	216	39	motion	motion	NOUN
cblr-14258	216	40	to	to	PART
cblr-14258	216	41	dismiss	dismiss	VERB
cblr-14258	216	42	,	,	PUNCT
cblr-14258	216	43	arguing	argue	VERB
cblr-14258	216	44	that	that	SCONJ
cblr-14258	216	45	fapa	fapa	NOUN
cblr-14258	216	46	should	should	AUX
cblr-14258	216	47	be	be	AUX
cblr-14258	216	48	applied	apply	VERB
cblr-14258	216	49	retroactively.59	retroactively.59	ADJ
cblr-14258	216	50	here	here	ADV
cblr-14258	216	51	,	,	PUNCT
cblr-14258	216	52	the	the	DET
cblr-14258	216	53	westchester	westchester	PROPN
cblr-14258	216	54	county	county	PROPN
cblr-14258	216	55	court	court	NOUN
cblr-14258	216	56	again	again	ADV
cblr-14258	216	57	acknowledged	acknowledge	VERB
cblr-14258	216	58	that	that	SCONJ
cblr-14258	216	59	retroactive	retroactive	ADJ
cblr-14258	216	60	application	application	NOUN
cblr-14258	216	61	of	of	ADP
cblr-14258	216	62	fapa	fapa	NOUN
cblr-14258	216	63	should	should	AUX
cblr-14258	216	64	not	not	PART
cblr-14258	216	65	be	be	AUX
cblr-14258	216	66	warranted	warrant	VERB
cblr-14258	216	67	if	if	SCONJ
cblr-14258	216	68	it	it	PRON
cblr-14258	216	69	would	would	AUX
cblr-14258	216	70	deprive	deprive	VERB
cblr-14258	216	71	mortgagee	mortgagee	NOUN
cblr-14258	216	72	of	of	ADP
cblr-14258	216	73	vested	vested	ADJ
cblr-14258	216	74	property	property	NOUN
cblr-14258	216	75	rights,60	rights,60	NOUN
cblr-14258	216	76	but	but	CCONJ
cblr-14258	216	77	it	it	PRON
cblr-14258	216	78	then	then	ADV
cblr-14258	216	79	determined	determine	VERB
cblr-14258	216	80	that	that	SCONJ
cblr-14258	216	81	the	the	DET
cblr-14258	216	82	mortgagee	mortgagee	NOUN
cblr-14258	216	83	failed	fail	VERB
cblr-14258	216	84	to	to	PART
cblr-14258	216	85	establish	establish	VERB
cblr-14258	216	86	that	that	DET
cblr-14258	216	87	retroactive	retroactive	ADJ
cblr-14258	216	88	application	application	NOUN
cblr-14258	216	89	of	of	ADP
cblr-14258	216	90	fapa	fapa	NOUN
cblr-14258	216	91	would	would	AUX
cblr-14258	216	92	impair	impair	VERB
cblr-14258	216	93	its	its	PRON
cblr-14258	216	94	vested	vested	ADJ
cblr-14258	216	95	property	property	NOUN
cblr-14258	216	96	rights	right	NOUN
cblr-14258	216	97	:	:	PUNCT
cblr-14258	216	98	a	a	DET
cblr-14258	216	99	final	final	ADJ
cblr-14258	216	100	jfs	jfs	NOUN
cblr-14258	216	101	was	be	AUX
cblr-14258	216	102	not	not	PART
cblr-14258	216	103	entered	enter	VERB
cblr-14258	216	104	or	or	CCONJ
cblr-14258	216	105	enforced	enforce	VERB
cblr-14258	216	106	“	"	PUNCT
cblr-14258	216	107	on	on	ADP
cblr-14258	216	108	the	the	DET
cblr-14258	216	109	effective	effective	ADJ
cblr-14258	216	110	date	date	NOUN
cblr-14258	216	111	of	of	ADP
cblr-14258	216	112	fapa	fapa	NOUN
cblr-14258	216	113	”	"	PUNCT
cblr-14258	216	114	at	at	ADP
cblr-14258	216	115	the	the	DET
cblr-14258	216	116	end	end	NOUN
cblr-14258	216	117	of	of	ADP
cblr-14258	216	118	2022	2022	NUM
cblr-14258	216	119	,	,	PUNCT
cblr-14258	216	120	and	and	CCONJ
cblr-14258	216	121	“	"	PUNCT
cblr-14258	216	122	litigants	litigant	NOUN
cblr-14258	216	123	do	do	AUX
cblr-14258	216	124	not	not	PART
cblr-14258	216	125	obtain	obtain	VERB
cblr-14258	216	126	any	any	DET
cblr-14258	216	127	vested	vested	ADJ
cblr-14258	216	128	property	property	NOUN
cblr-14258	216	129	rights	right	NOUN
cblr-14258	216	130	in	in	ADP
cblr-14258	216	131	the	the	DET
cblr-14258	216	132	orders	order	NOUN
cblr-14258	216	133	or	or	CCONJ
cblr-14258	216	134	judgments	judgment	NOUN
cblr-14258	216	135	of	of	ADP
cblr-14258	216	136	the	the	DET
cblr-14258	216	137	court	court	NOUN
cblr-14258	216	138	during	during	ADP
cblr-14258	216	139	the	the	DET
cblr-14258	216	140	period	period	NOUN
cblr-14258	216	141	they	they	PRON
cblr-14258	216	142	are	be	AUX
cblr-14258	216	143	subject	subject	ADJ
cblr-14258	216	144	to	to	ADP
cblr-14258	216	145	review	review	NOUN
cblr-14258	216	146	by	by	ADP
cblr-14258	216	147	a	a	DET
cblr-14258	216	148	higher	high	ADJ
cblr-14258	216	149	court	court	NOUN
cblr-14258	216	150	.	.	PUNCT
cblr-14258	217	1	”61	”61	NOUN
cblr-14258	217	2	the	the	DET
cblr-14258	217	3	court	court	NOUN
cblr-14258	217	4	then	then	ADV
cblr-14258	217	5	applied	apply	VERB
cblr-14258	217	6	fapa	fapa	NOUN
cblr-14258	217	7	retroactively	retroactively	ADV
cblr-14258	217	8	and	and	CCONJ
cblr-14258	217	9	granted	grant	VERB
cblr-14258	217	10	defendantmortgagor	defendantmortgagor	PROPN
cblr-14258	217	11	’s	’s	PART
cblr-14258	217	12	renewed	renew	VERB
cblr-14258	217	13	motion	motion	NOUN
cblr-14258	217	14	to	to	PART
cblr-14258	217	15	dismiss	dismiss	VERB
cblr-14258	217	16	the	the	DET
cblr-14258	217	17	foreclosure	foreclosure	NOUN
cblr-14258	217	18	action	action	NOUN
cblr-14258	217	19	.	.	PUNCT
cblr-14258	218	1	at	at	ADP
cblr-14258	218	2	a	a	DET
cblr-14258	218	3	glance	glance	NOUN
cblr-14258	218	4	,	,	PUNCT
cblr-14258	218	5	the	the	DET
cblr-14258	218	6	miele	miele	NOUN
cblr-14258	218	7	ruling	ruling	NOUN
cblr-14258	218	8	seems	seem	VERB
cblr-14258	218	9	to	to	PART
cblr-14258	218	10	be	be	AUX
cblr-14258	218	11	in	in	ADP
cblr-14258	218	12	conflict	conflict	NOUN
cblr-14258	218	13	with	with	ADP
cblr-14258	218	14	gross	gross	ADJ
cblr-14258	218	15	and	and	CCONJ
cblr-14258	218	16	leonardo	leonardo	PROPN
cblr-14258	218	17	.	.	PUNCT
cblr-14258	219	1	in	in	ADP
cblr-14258	219	2	gross	gross	ADJ
cblr-14258	219	3	and	and	CCONJ
cblr-14258	219	4	leonardo	leonardo	PROPN
cblr-14258	219	5	,	,	PUNCT
cblr-14258	219	6	a	a	DET
cblr-14258	219	7	prior	prior	ADJ
cblr-14258	219	8	summary	summary	NOUN
cblr-14258	219	9	judgment	judgment	NOUN
cblr-14258	219	10	or	or	CCONJ
cblr-14258	219	11	final	final	ADJ
cblr-14258	219	12	jfs	jfs	NOUN
cblr-14258	219	13	issued	issue	VERB
cblr-14258	219	14	before	before	ADP
cblr-14258	219	15	fapa	fapa	NOUN
cblr-14258	219	16	’s	’s	PART
cblr-14258	219	17	enactment	enactment	NOUN
cblr-14258	219	18	date	date	NOUN
cblr-14258	219	19	,	,	PUNCT
cblr-14258	219	20	even	even	ADV
cblr-14258	219	21	though	though	SCONJ
cblr-14258	219	22	not	not	PART
cblr-14258	219	23	enforced	enforce	VERB
cblr-14258	219	24	through	through	ADP
cblr-14258	219	25	a	a	DET
cblr-14258	219	26	sale	sale	NOUN
cblr-14258	219	27	of	of	ADP
cblr-14258	219	28	the	the	DET
cblr-14258	219	29	property	property	NOUN
cblr-14258	219	30	,	,	PUNCT
cblr-14258	219	31	was	be	AUX
cblr-14258	219	32	deemed	deem	VERB
cblr-14258	219	33	to	to	PART
cblr-14258	219	34	have	have	AUX
cblr-14258	219	35	granted	grant	VERB
cblr-14258	219	36	vested	vested	ADJ
cblr-14258	219	37	property	property	NOUN
cblr-14258	219	38	right	right	ADV
cblr-14258	219	39	in	in	ADP
cblr-14258	219	40	the	the	DET
cblr-14258	219	41	mortgagee	mortgagee	NOUN
cblr-14258	219	42	that	that	PRON
cblr-14258	219	43	fapa	fapa	NOUN
cblr-14258	219	44	can	can	AUX
cblr-14258	219	45	not	not	PART
cblr-14258	219	46	impair	impair	VERB
cblr-14258	219	47	.	.	PUNCT
cblr-14258	220	1	on	on	ADP
cblr-14258	220	2	the	the	DET
cblr-14258	220	3	other	other	ADJ
cblr-14258	220	4	hand	hand	NOUN
cblr-14258	220	5	,	,	PUNCT
cblr-14258	220	6	in	in	ADP
cblr-14258	220	7	miele	miele	PROPN
cblr-14258	220	8	,	,	PUNCT
cblr-14258	220	9	even	even	ADV
cblr-14258	220	10	though	though	SCONJ
cblr-14258	220	11	a	a	DET
cblr-14258	220	12	final	final	ADJ
cblr-14258	220	13	judgment	judgment	NOUN
cblr-14258	220	14	was	be	AUX
cblr-14258	220	15	also	also	ADV
cblr-14258	220	16	entered	enter	VERB
cblr-14258	220	17	for	for	ADP
cblr-14258	220	18	the	the	DET
cblr-14258	220	19	mortgagee	mortgagee	NOUN
cblr-14258	220	20	,	,	PUNCT
cblr-14258	220	21	it	it	PRON
cblr-14258	220	22	was	be	AUX
cblr-14258	220	23	not	not	PART
cblr-14258	220	24	enough	enough	ADJ
cblr-14258	220	25	to	to	PART
cblr-14258	220	26	establish	establish	VERB
cblr-14258	220	27	such	such	ADJ
cblr-14258	220	28	vested	vested	ADJ
cblr-14258	220	29	rights	right	NOUN
cblr-14258	220	30	.	.	PUNCT
cblr-14258	221	1	i	i	PRON
cblr-14258	221	2	tackle	tackle	VERB
cblr-14258	221	3	this	this	DET
cblr-14258	221	4	issue	issue	NOUN
cblr-14258	221	5	and	and	CCONJ
cblr-14258	221	6	analyze	analyze	VERB
cblr-14258	221	7	the	the	DET
cblr-14258	221	8	merit	merit	NOUN
cblr-14258	221	9	of	of	ADP
cblr-14258	221	10	these	these	DET
cblr-14258	221	11	rulings	ruling	NOUN
cblr-14258	221	12	in	in	ADP
cblr-14258	221	13	more	more	ADJ
cblr-14258	221	14	detail	detail	NOUN
cblr-14258	221	15	in	in	ADP
cblr-14258	221	16	part	part	PROPN
cblr-14258	221	17	iii	iii	PROPN
cblr-14258	221	18	.	.	PUNCT
cblr-14258	221	19	ii	ii	PROPN
cblr-14258	221	20	.	.	PUNCT
cblr-14258	222	1	vested	vested	ADJ
cblr-14258	222	2	rights	right	NOUN
cblr-14258	222	3	granted	grant	VERB
cblr-14258	222	4	by	by	ADP
cblr-14258	222	5	reliance	reliance	NOUN
cblr-14258	222	6	on	on	ADP
cblr-14258	222	7	past	past	ADJ
cblr-14258	222	8	rulings	ruling	NOUN
cblr-14258	222	9	in	in	ADP
cblr-14258	222	10	using	use	VERB
cblr-14258	222	11	the	the	DET
cblr-14258	222	12	vested	vested	ADJ
cblr-14258	222	13	rights	right	NOUN
cblr-14258	222	14	doctrine	doctrine	NOUN
cblr-14258	222	15	to	to	PART
cblr-14258	222	16	defend	defend	VERB
cblr-14258	222	17	against	against	ADP
cblr-14258	222	18	fapa	fapa	NOUN
cblr-14258	222	19	’s	’s	PART
cblr-14258	222	20	retroactive	retroactive	ADJ
cblr-14258	222	21	application	application	NOUN
cblr-14258	222	22	,	,	PUNCT
cblr-14258	222	23	mortgagees	mortgagee	NOUN
cblr-14258	222	24	have	have	AUX
cblr-14258	222	25	also	also	ADV
cblr-14258	222	26	argued	argue	VERB
cblr-14258	222	27	that	that	SCONJ
cblr-14258	222	28	their	their	PRON
cblr-14258	222	29	reliance	reliance	NOUN
cblr-14258	222	30	on	on	ADP
cblr-14258	222	31	past	past	ADJ
cblr-14258	222	32	rulings	ruling	NOUN
cblr-14258	222	33	in	in	ADP
cblr-14258	222	34	new	new	PROPN
cblr-14258	222	35	york	york	PROPN
cblr-14258	222	36	,	,	PUNCT
cblr-14258	222	37	especially	especially	ADV
cblr-14258	222	38	engel	engel	PROPN
cblr-14258	222	39	,	,	PUNCT
cblr-14258	222	40	establishes	establish	VERB
cblr-14258	222	41	vested	vest	VERB
cblr-14258	222	42	(	(	PUNCT
cblr-14258	222	43	property	property	NOUN
cblr-14258	222	44	)	)	PUNCT
cblr-14258	222	45	rights	right	NOUN
cblr-14258	222	46	that	that	PRON
cblr-14258	222	47	can	can	AUX
cblr-14258	222	48	not	not	PART
cblr-14258	222	49	be	be	AUX
cblr-14258	222	50	violated	violate	VERB
cblr-14258	222	51	by	by	ADP
cblr-14258	222	52	fapa	fapa	NOUN
cblr-14258	222	53	.	.	PUNCT
cblr-14258	223	1	the	the	DET
cblr-14258	223	2	courts	court	NOUN
cblr-14258	223	3	have	have	AUX
cblr-14258	223	4	denied	deny	VERB
cblr-14258	223	5	such	such	ADJ
cblr-14258	223	6	defenses	defense	NOUN
cblr-14258	223	7	in	in	ADP
cblr-14258	223	8	59	59	NUM
cblr-14258	223	9	i	i	NOUN
cblr-14258	223	10	d.	d.	PROPN
cblr-14258	223	11	60	60	NUM
cblr-14258	224	1	i	i	PRON
cblr-14258	224	2	d.	d.	PROPN
cblr-14258	224	3	at	at	ADP
cblr-14258	224	4	668–69	668–69	PROPN
cblr-14258	224	5	.	.	PROPN
cblr-14258	225	1	61	61	NUM
cblr-14258	225	2	i	i	PRON
cblr-14258	225	3	d.	d.	NOUN
cblr-14258	225	4	at	at	ADP
cblr-14258	225	5	669	669	NUM
cblr-14258	225	6	(	(	PUNCT
cblr-14258	225	7	emphasis	emphasis	NOUN
cblr-14258	225	8	added	add	VERB
cblr-14258	225	9	)	)	PUNCT
cblr-14258	225	10	.	.	PUNCT
cblr-14258	226	1	no	no	INTJ
cblr-14258	226	2	.	.	NOUN
cblr-14258	226	3	1	1	NUM
cblr-14258	226	4	]	]	PUNCT
cblr-14258	226	5	retroactive	retroactive	ADJ
cblr-14258	226	6	application	application	NOUN
cblr-14258	226	7	of	of	ADP
cblr-14258	226	8	the	the	DET
cblr-14258	226	9	ny	ny	PROPN
cblr-14258	226	10	fapa	fapa	PROPN
cblr-14258	226	11	631	631	NUM
cblr-14258	226	12	cases	case	NOUN
cblr-14258	226	13	where	where	SCONJ
cblr-14258	226	14	a	a	DET
cblr-14258	226	15	mortgagee	mortgagee	NOUN
cblr-14258	226	16	’s	’s	PART
cblr-14258	226	17	prior	prior	ADJ
cblr-14258	226	18	discontinuance	discontinuance	NOUN
cblr-14258	226	19	occurred	occur	VERB
cblr-14258	226	20	before	before	ADP
cblr-14258	226	21	the	the	DET
cblr-14258	226	22	engel	engel	PROPN
cblr-14258	226	23	decision	decision	NOUN
cblr-14258	226	24	.	.	PUNCT
cblr-14258	227	1	in	in	ADP
cblr-14258	227	2	hsbc	hsbc	PROPN
cblr-14258	227	3	bank	bank	PROPN
cblr-14258	227	4	usa	usa	PROPN
cblr-14258	227	5	,	,	PUNCT
cblr-14258	227	6	n.a	n.a	PROPN
cblr-14258	227	7	.	.	PROPN
cblr-14258	227	8	v.	v.	PROPN
cblr-14258	227	9	ipa	ipa	PROPN
cblr-14258	227	10	asset	asset	PROPN
cblr-14258	227	11	management	management	PROPN
cblr-14258	227	12	,	,	PUNCT
cblr-14258	227	13	llc	llc	PROPN
cblr-14258	227	14	,	,	PUNCT
cblr-14258	227	15	the	the	DET
cblr-14258	227	16	mortgagee	mortgagee	NOUN
cblr-14258	227	17	initiated	initiate	VERB
cblr-14258	227	18	a	a	DET
cblr-14258	227	19	first	first	ADJ
cblr-14258	227	20	foreclosure	foreclosure	NOUN
cblr-14258	227	21	action	action	NOUN
cblr-14258	227	22	in	in	ADP
cblr-14258	227	23	2008	2008	NUM
cblr-14258	227	24	,	,	PUNCT
cblr-14258	227	25	which	which	PRON
cblr-14258	227	26	was	be	AUX
cblr-14258	227	27	then	then	ADV
cblr-14258	227	28	discontinued	discontinue	VERB
cblr-14258	227	29	in	in	ADP
cblr-14258	227	30	2011	2011	NUM
cblr-14258	227	31	;	;	PUNCT
cblr-14258	227	32	a	a	DET
cblr-14258	227	33	second	second	ADJ
cblr-14258	227	34	foreclosure	foreclosure	NOUN
cblr-14258	227	35	action	action	NOUN
cblr-14258	227	36	in	in	ADP
cblr-14258	227	37	2012	2012	NUM
cblr-14258	227	38	,	,	PUNCT
cblr-14258	227	39	which	which	PRON
cblr-14258	227	40	was	be	AUX
cblr-14258	227	41	again	again	ADV
cblr-14258	227	42	discontinued	discontinue	VERB
cblr-14258	227	43	in	in	ADP
cblr-14258	227	44	2017	2017	NUM
cblr-14258	227	45	;	;	PUNCT
cblr-14258	227	46	and	and	CCONJ
cblr-14258	227	47	a	a	DET
cblr-14258	227	48	final	final	ADJ
cblr-14258	227	49	foreclosure	foreclosure	NOUN
cblr-14258	227	50	action	action	NOUN
cblr-14258	227	51	two	two	NUM
cblr-14258	227	52	days	day	NOUN
cblr-14258	227	53	before	before	SCONJ
cblr-14258	227	54	fapa	fapa	NOUN
cblr-14258	227	55	’s	’s	PART
cblr-14258	227	56	enactment.62	enactment.62	NOUN
cblr-14258	227	57	the	the	DET
cblr-14258	227	58	mortgagor	mortgagor	NOUN
cblr-14258	227	59	then	then	ADV
cblr-14258	227	60	brought	bring	VERB
cblr-14258	227	61	a	a	DET
cblr-14258	227	62	motion	motion	NOUN
cblr-14258	227	63	to	to	PART
cblr-14258	227	64	dismiss	dismiss	VERB
cblr-14258	227	65	the	the	DET
cblr-14258	227	66	third	third	ADJ
cblr-14258	227	67	action	action	NOUN
cblr-14258	227	68	arguing	argue	VERB
cblr-14258	227	69	that	that	SCONJ
cblr-14258	227	70	fapa	fapa	NOUN
cblr-14258	227	71	should	should	AUX
cblr-14258	227	72	be	be	AUX
cblr-14258	227	73	applied	apply	VERB
cblr-14258	227	74	retroactively	retroactively	ADV
cblr-14258	227	75	and	and	CCONJ
cblr-14258	227	76	render	render	VERB
cblr-14258	227	77	the	the	DET
cblr-14258	227	78	action	action	NOUN
cblr-14258	227	79	time	time	NOUN
cblr-14258	227	80	-	-	PUNCT
cblr-14258	227	81	barred.63	barred.63	VERB
cblr-14258	227	82	the	the	DET
cblr-14258	227	83	mortgagee	mortgagee	NOUN
cblr-14258	227	84	,	,	PUNCT
cblr-14258	227	85	on	on	ADP
cblr-14258	227	86	the	the	DET
cblr-14258	227	87	other	other	ADJ
cblr-14258	227	88	hand	hand	NOUN
cblr-14258	227	89	,	,	PUNCT
cblr-14258	227	90	argued	argue	VERB
cblr-14258	227	91	that	that	SCONJ
cblr-14258	227	92	fapa	fapa	NOUN
cblr-14258	227	93	’s	’s	PART
cblr-14258	227	94	retroactive	retroactive	ADJ
cblr-14258	227	95	application	application	NOUN
cblr-14258	227	96	would	would	AUX
cblr-14258	227	97	violate	violate	VERB
cblr-14258	227	98	its	its	PRON
cblr-14258	227	99	vested	vested	ADJ
cblr-14258	227	100	property	property	NOUN
cblr-14258	227	101	right	right	NOUN
cblr-14258	227	102	—	—	PUNCT
cblr-14258	227	103	i.e.	i.e.	X
cblr-14258	227	104	,	,	PUNCT
cblr-14258	227	105	a	a	DET
cblr-14258	227	106	lienhold	lienhold	NOUN
cblr-14258	227	107	created	create	VERB
cblr-14258	227	108	by	by	ADP
cblr-14258	227	109	its	its	PRON
cblr-14258	227	110	reliance	reliance	NOUN
cblr-14258	227	111	on	on	ADP
cblr-14258	227	112	engel.64	engel.64	PROPN
cblr-14258	227	113	the	the	DET
cblr-14258	227	114	suffolk	suffolk	PROPN
cblr-14258	227	115	county	county	PROPN
cblr-14258	227	116	supreme	supreme	PROPN
cblr-14258	227	117	court	court	PROPN
cblr-14258	227	118	granted	grant	VERB
cblr-14258	227	119	the	the	DET
cblr-14258	227	120	motion	motion	NOUN
cblr-14258	227	121	and	and	CCONJ
cblr-14258	227	122	refuted	refute	VERB
cblr-14258	227	123	the	the	DET
cblr-14258	227	124	mortgagee	mortgagee	PROPN
cblr-14258	227	125	’s	’s	PART
cblr-14258	227	126	argument	argument	NOUN
cblr-14258	227	127	,	,	PUNCT
cblr-14258	227	128	stating	state	VERB
cblr-14258	227	129	that	that	SCONJ
cblr-14258	227	130	since	since	SCONJ
cblr-14258	227	131	both	both	DET
cblr-14258	227	132	discontinuances	discontinuance	NOUN
cblr-14258	227	133	were	be	AUX
cblr-14258	227	134	pre	pre	ADJ
cblr-14258	227	135	-	-	NOUN
cblr-14258	227	136	engel	engel	ADJ
cblr-14258	227	137	,	,	PUNCT
cblr-14258	227	138	there	there	PRON
cblr-14258	227	139	is	be	VERB
cblr-14258	227	140	no	no	DET
cblr-14258	227	141	abrogation	abrogation	NOUN
cblr-14258	227	142	of	of	ADP
cblr-14258	227	143	the	the	DET
cblr-14258	227	144	mortgagee	mortgagee	PROPN
cblr-14258	227	145	’s	’s	PART
cblr-14258	227	146	vested	vest	VERB
cblr-14258	227	147	property	property	NOUN
cblr-14258	227	148	rights	right	NOUN
cblr-14258	227	149	“	"	PUNCT
cblr-14258	227	150	as	as	SCONJ
cblr-14258	227	151	there	there	PRON
cblr-14258	227	152	was	be	VERB
cblr-14258	227	153	no	no	DET
cblr-14258	227	154	reasonable	reasonable	ADJ
cblr-14258	227	155	reliance	reliance	NOUN
cblr-14258	227	156	upon	upon	SCONJ
cblr-14258	227	157	engel	engel	NOUN
cblr-14258	227	158	when	when	SCONJ
cblr-14258	227	159	the	the	DET
cblr-14258	227	160	plaintiff	plaintiff	NOUN
cblr-14258	227	161	discontinued	discontinue	VERB
cblr-14258	227	162	this	this	DET
cblr-14258	227	163	action	action	NOUN
cblr-14258	227	164	”	"	PUNCT
cblr-14258	227	165	to	to	PART
cblr-14258	227	166	establish	establish	VERB
cblr-14258	227	167	those	those	DET
cblr-14258	227	168	rights.65	rights.65	PROPN
cblr-14258	227	169	the	the	DET
cblr-14258	227	170	putnam	putnam	PROPN
cblr-14258	227	171	supreme	supreme	PROPN
cblr-14258	227	172	and	and	CCONJ
cblr-14258	227	173	county	county	NOUN
cblr-14258	227	174	court	court	NOUN
cblr-14258	227	175	adopted	adopt	VERB
cblr-14258	227	176	a	a	DET
cblr-14258	227	177	similar	similar	ADJ
cblr-14258	227	178	rationale	rationale	NOUN
cblr-14258	227	179	.	.	PUNCT
cblr-14258	228	1	in	in	ADP
cblr-14258	228	2	u.s	u.s	PROPN
cblr-14258	228	3	.	.	PROPN
cblr-14258	228	4	bank	bank	PROPN
cblr-14258	228	5	national	national	PROPN
cblr-14258	228	6	association	association	PROPN
cblr-14258	228	7	v.	v.	PROPN
cblr-14258	228	8	williams	williams	PROPN
cblr-14258	228	9	,	,	PUNCT
cblr-14258	228	10	the	the	DET
cblr-14258	228	11	court	court	NOUN
cblr-14258	228	12	noted	note	VERB
cblr-14258	228	13	that	that	SCONJ
cblr-14258	228	14	the	the	DET
cblr-14258	228	15	mortgagee	mortgagee	NOUN
cblr-14258	228	16	can	can	AUX
cblr-14258	228	17	not	not	PART
cblr-14258	228	18	claim	claim	VERB
cblr-14258	228	19	to	to	PART
cblr-14258	228	20	have	have	VERB
cblr-14258	228	21	a	a	DET
cblr-14258	228	22	vested	vested	ADJ
cblr-14258	228	23	interest	interest	NOUN
cblr-14258	228	24	in	in	ADP
cblr-14258	228	25	the	the	DET
cblr-14258	228	26	law	law	NOUN
cblr-14258	228	27	as	as	SCONJ
cblr-14258	228	28	pronounced	pronounce	VERB
cblr-14258	228	29	in	in	ADP
cblr-14258	228	30	engel	engel	PROPN
cblr-14258	228	31	,	,	PUNCT
cblr-14258	228	32	since	since	SCONJ
cblr-14258	228	33	that	that	DET
cblr-14258	228	34	case	case	NOUN
cblr-14258	228	35	was	be	AUX
cblr-14258	228	36	determined	determine	VERB
cblr-14258	228	37	over	over	ADP
cblr-14258	228	38	nine	nine	NUM
cblr-14258	228	39	years	year	NOUN
cblr-14258	228	40	after	after	ADP
cblr-14258	228	41	the	the	DET
cblr-14258	228	42	mortgagee	mortgagee	PROPN
cblr-14258	228	43	’s	’s	PART
cblr-14258	228	44	voluntarily	voluntarily	ADJ
cblr-14258	228	45	discontinuance	discontinuance	NOUN
cblr-14258	228	46	of	of	ADP
cblr-14258	228	47	a	a	DET
cblr-14258	228	48	prior	prior	ADJ
cblr-14258	228	49	foreclosure	foreclosure	NOUN
cblr-14258	228	50	action.66	action.66	ADP
cblr-14258	228	51	the	the	DET
cblr-14258	228	52	court	court	NOUN
cblr-14258	228	53	thus	thus	ADV
cblr-14258	228	54	reasoned	reason	VERB
cblr-14258	228	55	that	that	SCONJ
cblr-14258	228	56	the	the	DET
cblr-14258	228	57	mortgagee	mortgagee	NOUN
cblr-14258	228	58	could	could	AUX
cblr-14258	228	59	not	not	PART
cblr-14258	228	60	have	have	AUX
cblr-14258	228	61	had	have	VERB
cblr-14258	228	62	any	any	DET
cblr-14258	228	63	“	"	PUNCT
cblr-14258	228	64	reasonable	reasonable	ADJ
cblr-14258	228	65	expectation	expectation	NOUN
cblr-14258	228	66	that	that	SCONJ
cblr-14258	228	67	the	the	DET
cblr-14258	228	68	statute	statute	NOUN
cblr-14258	228	69	of	of	ADP
cblr-14258	228	70	limitations	limitation	NOUN
cblr-14258	228	71	was	be	AUX
cblr-14258	228	72	reset	reset	VERB
cblr-14258	228	73	by	by	ADP
cblr-14258	228	74	its	its	PRON
cblr-14258	228	75	discontinuance	discontinuance	NOUN
cblr-14258	228	76	given	give	VERB
cblr-14258	228	77	the	the	DET
cblr-14258	228	78	legal	legal	ADJ
cblr-14258	228	79	landscape	landscape	NOUN
cblr-14258	228	80	”	"	PUNCT
cblr-14258	228	81	preengel	preengel	NOUN
cblr-14258	228	82	.	.	PUNCT
cblr-14258	229	1	the	the	DET
cblr-14258	229	2	pre	pre	ADJ
cblr-14258	229	3	-	-	ADJ
cblr-14258	229	4	engel	engel	ADJ
cblr-14258	229	5	landscape	landscape	NOUN
cblr-14258	229	6	was	be	AUX
cblr-14258	229	7	indeed	indeed	ADV
cblr-14258	229	8	such	such	ADJ
cblr-14258	229	9	that	that	SCONJ
cblr-14258	229	10	a	a	DET
cblr-14258	229	11	lender	lender	NOUN
cblr-14258	229	12	’s	’s	PART
cblr-14258	229	13	unilateral	unilateral	ADJ
cblr-14258	229	14	discontinuance	discontinuance	NOUN
cblr-14258	229	15	of	of	ADP
cblr-14258	229	16	a	a	DET
cblr-14258	229	17	foreclosure	foreclosure	NOUN
cblr-14258	229	18	action	action	NOUN
cblr-14258	229	19	could	could	AUX
cblr-14258	229	20	not	not	PART
cblr-14258	229	21	conclusively	conclusively	ADV
cblr-14258	229	22	reset	reset	VERB
cblr-14258	229	23	the	the	DET
cblr-14258	229	24	statute	statute	NOUN
cblr-14258	229	25	of	of	ADP
cblr-14258	229	26	limitations.67	limitations.67	PROPN
cblr-14258	229	27	62	62	NUM
cblr-14258	229	28	hsbc	hsbc	PROPN
cblr-14258	229	29	bank	bank	PROPN
cblr-14258	229	30	usa	usa	PROPN
cblr-14258	229	31	,	,	PUNCT
cblr-14258	229	32	n.a	n.a	PROPN
cblr-14258	229	33	.	.	PROPN
cblr-14258	230	1	v.	v.	PROPN
cblr-14258	230	2	ipa	ipa	PROPN
cblr-14258	230	3	asset	asset	PROPN
cblr-14258	230	4	mgt	mgt	PROPN
cblr-14258	230	5	.	.	PUNCT
cblr-14258	231	1	,	,	PUNCT
cblr-14258	231	2	llc	llc	PROPN
cblr-14258	231	3	,	,	PUNCT
cblr-14258	231	4	190	190	NUM
cblr-14258	231	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	231	6	622	622	NUM
cblr-14258	231	7	,	,	PUNCT
cblr-14258	231	8	623–24	623–24	PROPN
cblr-14258	231	9	(	(	PUNCT
cblr-14258	231	10	n.y	n.y	PROPN
cblr-14258	231	11	.	.	PROPN
cblr-14258	231	12	sup	sup	PROPN
cblr-14258	231	13	.	.	PUNCT
cblr-14258	232	1	ct	ct	NUM
cblr-14258	232	2	.	.	PROPN
cblr-14258	232	3	2023	2023	NUM
cblr-14258	232	4	)	)	PUNCT
cblr-14258	232	5	.	.	PUNCT
cblr-14258	233	1	63	63	NUM
cblr-14258	234	1	i	i	PRON
cblr-14258	234	2	d.	d.	PROPN
cblr-14258	234	3	at	at	ADP
cblr-14258	234	4	624	624	NUM
cblr-14258	234	5	.	.	PUNCT
cblr-14258	235	1	64	64	NUM
cblr-14258	235	2	i	i	PRON
cblr-14258	235	3	d.	d.	PROPN
cblr-14258	235	4	at	at	ADP
cblr-14258	235	5	625	625	NUM
cblr-14258	235	6	.	.	PUNCT
cblr-14258	236	1	65	65	NUM
cblr-14258	237	1	i	i	PRON
cblr-14258	237	2	d.	d.	PROPN
cblr-14258	237	3	66	66	NUM
cblr-14258	238	1	u.s	u.s	PROPN
cblr-14258	238	2	.	.	PROPN
cblr-14258	238	3	bank	bank	PROPN
cblr-14258	238	4	nat’l	nat’l	VERB
cblr-14258	238	5	ass’n	ass’n	PROPN
cblr-14258	238	6	v.	v.	ADP
cblr-14258	238	7	williams	williams	PROPN
cblr-14258	238	8	,	,	PUNCT
cblr-14258	238	9	195	195	NUM
cblr-14258	238	10	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	238	11	392	392	NUM
cblr-14258	238	12	,	,	PUNCT
cblr-14258	238	13	399	399	NUM
cblr-14258	238	14	(	(	PUNCT
cblr-14258	238	15	n.y	n.y	PROPN
cblr-14258	238	16	.	.	PROPN
cblr-14258	238	17	sup	sup	PROPN
cblr-14258	238	18	.	.	PUNCT
cblr-14258	239	1	ct	ct	NUM
cblr-14258	239	2	.	.	PROPN
cblr-14258	239	3	2023	2023	NUM
cblr-14258	239	4	)	)	PUNCT
cblr-14258	239	5	.	.	PUNCT
cblr-14258	240	1	67	67	NUM
cblr-14258	241	1	i	i	PRON
cblr-14258	241	2	d.	d.	PROPN
cblr-14258	241	3	632	632	NUM
cblr-14258	241	4	columbia	columbia	PROPN
cblr-14258	241	5	business	business	NOUN
cblr-14258	241	6	law	law	PROPN
cblr-14258	241	7	review	review	NOUN
cblr-14258	241	8	[	[	X
cblr-14258	241	9	vol	vol	NOUN
cblr-14258	241	10	.	.	PUNCT
cblr-14258	241	11	2025	2025	NUM
cblr-14258	241	12	without	without	ADP
cblr-14258	241	13	such	such	ADJ
cblr-14258	241	14	expectation	expectation	NOUN
cblr-14258	241	15	at	at	ADP
cblr-14258	241	16	the	the	DET
cblr-14258	241	17	time	time	NOUN
cblr-14258	241	18	of	of	ADP
cblr-14258	241	19	discontinuance	discontinuance	NOUN
cblr-14258	241	20	,	,	PUNCT
cblr-14258	241	21	no	no	DET
cblr-14258	241	22	vested	vested	ADJ
cblr-14258	241	23	right	right	NOUN
cblr-14258	241	24	could	could	AUX
cblr-14258	241	25	be	be	AUX
cblr-14258	241	26	obtained	obtain	VERB
cblr-14258	241	27	.	.	PUNCT
cblr-14258	242	1	these	these	DET
cblr-14258	242	2	two	two	NUM
cblr-14258	242	3	cases	case	NOUN
cblr-14258	242	4	establish	establish	VERB
cblr-14258	242	5	when	when	SCONJ
cblr-14258	242	6	a	a	DET
cblr-14258	242	7	mortgagee	mortgagee	NOUN
cblr-14258	242	8	discontinued	discontinue	VERB
cblr-14258	242	9	its	its	PRON
cblr-14258	242	10	prior	prior	ADJ
cblr-14258	242	11	foreclosure	foreclosure	NOUN
cblr-14258	242	12	action	action	NOUN
cblr-14258	242	13	pre	pre	NOUN
cblr-14258	242	14	-	-	NOUN
cblr-14258	242	15	engel	engel	ADJ
cblr-14258	242	16	,	,	PUNCT
cblr-14258	242	17	there	there	PRON
cblr-14258	242	18	can	can	AUX
cblr-14258	242	19	be	be	AUX
cblr-14258	242	20	no	no	DET
cblr-14258	242	21	reliance	reliance	NOUN
cblr-14258	242	22	on	on	ADP
cblr-14258	242	23	engel	engel	PROPN
cblr-14258	242	24	to	to	PART
cblr-14258	242	25	justify	justify	VERB
cblr-14258	242	26	a	a	DET
cblr-14258	242	27	protected	protect	VERB
cblr-14258	242	28	vested	vest	VERB
cblr-14258	242	29	right	right	NOUN
cblr-14258	242	30	.	.	PUNCT
cblr-14258	243	1	however	however	ADV
cblr-14258	243	2	,	,	PUNCT
cblr-14258	243	3	this	this	PRON
cblr-14258	243	4	leaves	leave	VERB
cblr-14258	243	5	open	open	VERB
cblr-14258	243	6	the	the	DET
cblr-14258	243	7	question	question	NOUN
cblr-14258	243	8	of	of	ADP
cblr-14258	243	9	whether	whether	SCONJ
cblr-14258	243	10	such	such	ADJ
cblr-14258	243	11	reliance	reliance	NOUN
cblr-14258	243	12	may	may	AUX
cblr-14258	243	13	be	be	AUX
cblr-14258	243	14	established	establish	VERB
cblr-14258	243	15	if	if	SCONJ
cblr-14258	243	16	the	the	DET
cblr-14258	243	17	discontinuance	discontinuance	NOUN
cblr-14258	243	18	occurred	occur	VERB
cblr-14258	243	19	after	after	ADP
cblr-14258	243	20	the	the	DET
cblr-14258	243	21	engel	engel	PROPN
cblr-14258	243	22	ruling	ruling	NOUN
cblr-14258	243	23	.	.	PUNCT
cblr-14258	244	1	it	it	PRON
cblr-14258	244	2	may	may	AUX
cblr-14258	244	3	be	be	AUX
cblr-14258	244	4	implied	imply	VERB
cblr-14258	244	5	from	from	ADP
cblr-14258	244	6	the	the	DET
cblr-14258	244	7	reasoning	reasoning	NOUN
cblr-14258	244	8	in	in	ADP
cblr-14258	244	9	ipa	ipa	PROPN
cblr-14258	244	10	and	and	CCONJ
cblr-14258	244	11	williams	william	VERB
cblr-14258	244	12	that	that	SCONJ
cblr-14258	244	13	in	in	ADP
cblr-14258	244	14	such	such	ADJ
cblr-14258	244	15	scenarios	scenario	NOUN
cblr-14258	244	16	,	,	PUNCT
cblr-14258	244	17	reliance	reliance	NOUN
cblr-14258	244	18	on	on	ADP
cblr-14258	244	19	engel	engel	PROPN
cblr-14258	244	20	can	can	AUX
cblr-14258	244	21	be	be	AUX
cblr-14258	244	22	established	establish	VERB
cblr-14258	244	23	and	and	CCONJ
cblr-14258	244	24	would	would	AUX
cblr-14258	244	25	vest	vest	VERB
cblr-14258	244	26	property	property	NOUN
cblr-14258	244	27	rights	right	NOUN
cblr-14258	244	28	in	in	ADP
cblr-14258	244	29	the	the	DET
cblr-14258	244	30	mortgagee	mortgagee	NOUN
cblr-14258	244	31	so	so	SCONJ
cblr-14258	244	32	that	that	SCONJ
cblr-14258	244	33	fapa	fapa	NOUN
cblr-14258	244	34	’s	’s	PART
cblr-14258	244	35	retroactive	retroactive	ADJ
cblr-14258	244	36	application	application	NOUN
cblr-14258	244	37	can	can	AUX
cblr-14258	244	38	not	not	PART
cblr-14258	244	39	be	be	AUX
cblr-14258	244	40	justified	justify	VERB
cblr-14258	244	41	.	.	PUNCT
cblr-14258	245	1	there	there	PRON
cblr-14258	245	2	is	be	VERB
cblr-14258	245	3	no	no	DET
cblr-14258	245	4	existing	exist	VERB
cblr-14258	245	5	fapa	fapa	NOUN
cblr-14258	245	6	case	case	NOUN
cblr-14258	245	7	law	law	NOUN
cblr-14258	245	8	on	on	ADP
cblr-14258	245	9	this	this	DET
cblr-14258	245	10	question	question	NOUN
cblr-14258	245	11	,	,	PUNCT
cblr-14258	245	12	and	and	CCONJ
cblr-14258	245	13	further	further	ADJ
cblr-14258	245	14	scrutiny	scrutiny	NOUN
cblr-14258	245	15	is	be	AUX
cblr-14258	245	16	warranted	warrant	VERB
cblr-14258	245	17	in	in	ADP
cblr-14258	245	18	light	light	NOUN
cblr-14258	245	19	of	of	ADP
cblr-14258	245	20	potential	potential	ADJ
cblr-14258	245	21	future	future	ADJ
cblr-14258	245	22	cases	case	NOUN
cblr-14258	245	23	.	.	PUNCT
cblr-14258	246	1	iii	iii	X
cblr-14258	246	2	.	.	PUNCT
cblr-14258	246	3	vested	vested	ADJ
cblr-14258	246	4	rights	right	NOUN
cblr-14258	246	5	granted	grant	VERB
cblr-14258	246	6	by	by	ADP
cblr-14258	246	7	the	the	DET
cblr-14258	246	8	constitution	constitution	NOUN
cblr-14258	246	9	it	it	PRON
cblr-14258	246	10	should	should	AUX
cblr-14258	246	11	be	be	AUX
cblr-14258	246	12	noted	note	VERB
cblr-14258	246	13	that	that	SCONJ
cblr-14258	246	14	the	the	DET
cblr-14258	246	15	constitutionality	constitutionality	NOUN
cblr-14258	246	16	analysis	analysis	NOUN
cblr-14258	246	17	is	be	AUX
cblr-14258	246	18	closely	closely	ADV
cblr-14258	246	19	intertwined	intertwine	VERB
cblr-14258	246	20	with	with	ADP
cblr-14258	246	21	the	the	DET
cblr-14258	246	22	issues	issue	NOUN
cblr-14258	246	23	discussed	discuss	VERB
cblr-14258	246	24	above	above	ADV
cblr-14258	246	25	.	.	PUNCT
cblr-14258	247	1	for	for	ADP
cblr-14258	247	2	instance	instance	NOUN
cblr-14258	247	3	,	,	PUNCT
cblr-14258	247	4	the	the	DET
cblr-14258	247	5	question	question	NOUN
cblr-14258	247	6	of	of	ADP
cblr-14258	247	7	the	the	DET
cblr-14258	247	8	existence	existence	NOUN
cblr-14258	247	9	of	of	ADP
cblr-14258	247	10	vested	vested	ADJ
cblr-14258	247	11	property	property	NOUN
cblr-14258	247	12	rights	right	NOUN
cblr-14258	247	13	granted	grant	VERB
cblr-14258	247	14	by	by	ADP
cblr-14258	247	15	prior	prior	ADJ
cblr-14258	247	16	decisions	decision	NOUN
cblr-14258	247	17	often	often	ADV
cblr-14258	247	18	originates	originate	VERB
cblr-14258	247	19	from	from	ADP
cblr-14258	247	20	a	a	DET
cblr-14258	247	21	mortgagee	mortgagee	NOUN
cblr-14258	247	22	’s	’s	PART
cblr-14258	247	23	contention	contention	NOUN
cblr-14258	247	24	that	that	PRON
cblr-14258	247	25	retroactive	retroactive	VERB
cblr-14258	247	26	application	application	NOUN
cblr-14258	247	27	of	of	ADP
cblr-14258	247	28	fapa	fapa	NOUN
cblr-14258	247	29	violates	violate	VERB
cblr-14258	247	30	the	the	DET
cblr-14258	247	31	takings	taking	NOUN
cblr-14258	247	32	clause	clause	NOUN
cblr-14258	247	33	of	of	ADP
cblr-14258	247	34	the	the	DET
cblr-14258	247	35	constitution.68	constitution.68	PROPN
cblr-14258	247	36	however	however	ADV
cblr-14258	247	37	,	,	PUNCT
cblr-14258	247	38	other	other	ADJ
cblr-14258	247	39	constitutionality	constitutionality	NOUN
cblr-14258	247	40	issues	issue	NOUN
cblr-14258	247	41	,	,	PUNCT
cblr-14258	247	42	including	include	VERB
cblr-14258	247	43	fapa	fapa	NOUN
cblr-14258	247	44	’s	’s	PART
cblr-14258	247	45	potential	potential	ADJ
cblr-14258	247	46	violations	violation	NOUN
cblr-14258	247	47	of	of	ADP
cblr-14258	247	48	the	the	DET
cblr-14258	247	49	contract	contract	NOUN
cblr-14258	247	50	clause	clause	NOUN
cblr-14258	247	51	and	and	CCONJ
cblr-14258	247	52	the	the	DET
cblr-14258	247	53	mortgagee	mortgagee	NOUN
cblr-14258	247	54	’s	’s	PART
cblr-14258	247	55	due	due	ADJ
cblr-14258	247	56	process	process	NOUN
cblr-14258	247	57	rights	right	NOUN
cblr-14258	247	58	,	,	PUNCT
cblr-14258	247	59	are	be	AUX
cblr-14258	247	60	also	also	ADV
cblr-14258	247	61	heavily	heavily	ADV
cblr-14258	247	62	debated	debate	VERB
cblr-14258	247	63	in	in	ADP
cblr-14258	247	64	courts	court	NOUN
cblr-14258	247	65	.	.	PUNCT
cblr-14258	248	1	in	in	ADP
cblr-14258	248	2	miele	miele	PROPN
cblr-14258	248	3	,	,	PUNCT
cblr-14258	248	4	for	for	ADP
cblr-14258	248	5	instance	instance	NOUN
cblr-14258	248	6	,	,	PUNCT
cblr-14258	248	7	the	the	DET
cblr-14258	248	8	westchester	westchester	PROPN
cblr-14258	248	9	county	county	PROPN
cblr-14258	248	10	court	court	NOUN
cblr-14258	248	11	addressed	address	VERB
cblr-14258	248	12	the	the	DET
cblr-14258	248	13	constitutionality	constitutionality	NOUN
cblr-14258	248	14	of	of	ADP
cblr-14258	248	15	fapa	fapa	PROPN
cblr-14258	248	16	’s	’s	PART
cblr-14258	248	17	retroactive	retroactive	ADJ
cblr-14258	248	18	application	application	NOUN
cblr-14258	248	19	.	.	PUNCT
cblr-14258	249	1	the	the	DET
cblr-14258	249	2	mortgagee	mortgagee	PROPN
cblr-14258	249	3	argued	argue	VERB
cblr-14258	249	4	that	that	SCONJ
cblr-14258	249	5	retroactive	retroactive	ADJ
cblr-14258	249	6	application	application	NOUN
cblr-14258	249	7	of	of	ADP
cblr-14258	249	8	fapa	fapa	NOUN
cblr-14258	249	9	would	would	AUX
cblr-14258	249	10	violate	violate	VERB
cblr-14258	249	11	the	the	DET
cblr-14258	249	12	contract	contract	NOUN
cblr-14258	249	13	clause	clause	NOUN
cblr-14258	249	14	,	,	PUNCT
cblr-14258	249	15	the	the	DET
cblr-14258	249	16	takings	taking	NOUN
cblr-14258	249	17	clause	clause	NOUN
cblr-14258	249	18	,	,	PUNCT
cblr-14258	249	19	and	and	CCONJ
cblr-14258	249	20	the	the	DET
cblr-14258	249	21	mortgagee	mortgagee	NOUN
cblr-14258	249	22	’s	’s	PART
cblr-14258	249	23	due	due	ADJ
cblr-14258	249	24	process	process	NOUN
cblr-14258	249	25	rights	right	NOUN
cblr-14258	249	26	under	under	ADP
cblr-14258	249	27	the	the	DET
cblr-14258	249	28	constitution.69	constitution.69	NOUN
cblr-14258	249	29	the	the	DET
cblr-14258	249	30	court	court	NOUN
cblr-14258	249	31	first	first	ADV
cblr-14258	249	32	noted	note	VERB
cblr-14258	249	33	that	that	SCONJ
cblr-14258	249	34	“	"	PUNCT
cblr-14258	249	35	constitutional	constitutional	ADJ
cblr-14258	249	36	impediments	impediment	NOUN
cblr-14258	249	37	to	to	PART
cblr-14258	249	38	retroactive	retroactive	VERB
cblr-14258	249	39	civil	civil	ADJ
cblr-14258	249	40	legislation	legislation	NOUN
cblr-14258	249	41	are	be	AUX
cblr-14258	249	42	now	now	ADV
cblr-14258	249	43	modest,”70	modest,”70	ADV
cblr-14258	249	44	and	and	CCONJ
cblr-14258	249	45	that	that	SCONJ
cblr-14258	249	46	“	"	PUNCT
cblr-14258	249	47	it	it	PRON
cblr-14258	249	48	is	be	AUX
cblr-14258	249	49	well	well	ADV
cblr-14258	249	50	settled	settle	VERB
cblr-14258	249	51	that	that	SCONJ
cblr-14258	249	52	[	[	X
cblr-14258	249	53	the	the	X
cblr-14258	249	54	]	]	X
cblr-14258	249	55	acts	act	NOUN
cblr-14258	249	56	of	of	ADP
cblr-14258	249	57	the	the	DET
cblr-14258	249	58	legislature	legislature	NOUN
cblr-14258	249	59	68	68	NUM
cblr-14258	249	60	see	see	VERB
cblr-14258	249	61	u.s	u.s	PROPN
cblr-14258	249	62	.	.	PROPN
cblr-14258	249	63	bank	bank	PROPN
cblr-14258	249	64	tr	tr	VERB
cblr-14258	249	65	.	.	PROPN
cblr-14258	249	66	,	,	PUNCT
cblr-14258	249	67	n.a	n.a	PROPN
cblr-14258	249	68	.	.	PROPN
cblr-14258	250	1	v.	v.	PROPN
cblr-14258	250	2	miele	miele	PROPN
cblr-14258	250	3	,	,	PUNCT
cblr-14258	250	4	197	197	NUM
cblr-14258	250	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	250	6	656	656	NUM
cblr-14258	250	7	,	,	PUNCT
cblr-14258	250	8	668	668	NUM
cblr-14258	250	9	(	(	PUNCT
cblr-14258	250	10	n.y	n.y	PROPN
cblr-14258	250	11	.	.	PROPN
cblr-14258	250	12	sup	sup	PROPN
cblr-14258	250	13	.	.	PUNCT
cblr-14258	251	1	ct	ct	NUM
cblr-14258	251	2	.	.	PROPN
cblr-14258	251	3	2023	2023	NUM
cblr-14258	251	4	)	)	PUNCT
cblr-14258	251	5	.	.	PUNCT
cblr-14258	252	1	69	69	NUM
cblr-14258	253	1	i	i	PRON
cblr-14258	253	2	d.	d.	PROPN
cblr-14258	253	3	at	at	ADP
cblr-14258	253	4	663	663	NUM
cblr-14258	253	5	.	.	PUNCT
cblr-14258	254	1	70	70	NUM
cblr-14258	255	1	i	i	PRON
cblr-14258	255	2	d.	d.	VERB
cblr-14258	255	3	at	at	ADP
cblr-14258	255	4	667	667	NUM
cblr-14258	255	5	(	(	PUNCT
cblr-14258	255	6	quoting	quote	VERB
cblr-14258	255	7	landgraf	landgraf	NOUN
cblr-14258	255	8	v.	v.	ADP
cblr-14258	255	9	usi	usi	ADJ
cblr-14258	255	10	film	film	NOUN
cblr-14258	255	11	prods	prod	VERB
cblr-14258	255	12	.	.	PUNCT
cblr-14258	256	1	,	,	PUNCT
cblr-14258	256	2	511	511	NUM
cblr-14258	256	3	u.s	u.s	PROPN
cblr-14258	256	4	.	.	PROPN
cblr-14258	256	5	244	244	NUM
cblr-14258	256	6	,	,	PUNCT
cblr-14258	256	7	272	272	NUM
cblr-14258	256	8	(	(	PUNCT
cblr-14258	256	9	1994	1994	NUM
cblr-14258	256	10	)	)	PUNCT
cblr-14258	256	11	)	)	PUNCT
cblr-14258	256	12	.	.	PUNCT
cblr-14258	257	1	no	no	INTJ
cblr-14258	257	2	.	.	NOUN
cblr-14258	257	3	1	1	NUM
cblr-14258	257	4	]	]	PUNCT
cblr-14258	257	5	retroactive	retroactive	ADJ
cblr-14258	257	6	application	application	NOUN
cblr-14258	257	7	of	of	ADP
cblr-14258	257	8	the	the	DET
cblr-14258	257	9	ny	ny	PROPN
cblr-14258	257	10	fapa	fapa	PROPN
cblr-14258	257	11	633	633	NUM
cblr-14258	257	12	are	be	AUX
cblr-14258	257	13	entitled	entitle	VERB
cblr-14258	257	14	to	to	ADP
cblr-14258	257	15	a	a	DET
cblr-14258	257	16	strong	strong	ADJ
cblr-14258	257	17	presumption	presumption	NOUN
cblr-14258	257	18	of	of	ADP
cblr-14258	257	19	constitutionality	constitutionality	NOUN
cblr-14258	257	20	.	.	PUNCT
cblr-14258	258	1	”71	”71	NOUN
cblr-14258	258	2	other	other	ADJ
cblr-14258	258	3	courts	court	NOUN
cblr-14258	258	4	have	have	AUX
cblr-14258	258	5	also	also	ADV
cblr-14258	258	6	relied	rely	VERB
cblr-14258	258	7	on	on	ADP
cblr-14258	258	8	this	this	DET
cblr-14258	258	9	principle	principle	NOUN
cblr-14258	258	10	in	in	ADP
cblr-14258	258	11	their	their	PRON
cblr-14258	258	12	analysis	analysis	NOUN
cblr-14258	258	13	of	of	ADP
cblr-14258	258	14	fapa	fapa	NOUN
cblr-14258	258	15	’s	’s	PART
cblr-14258	258	16	constitutionality	constitutionality	NOUN
cblr-14258	258	17	,	,	PUNCT
cblr-14258	258	18	noting	note	VERB
cblr-14258	258	19	that	that	SCONJ
cblr-14258	258	20	plaintiffs	plaintiff	NOUN
cblr-14258	258	21	bear	bear	VERB
cblr-14258	258	22	“	"	PUNCT
cblr-14258	258	23	the	the	DET
cblr-14258	258	24	burden	burden	NOUN
cblr-14258	258	25	of	of	ADP
cblr-14258	258	26	overcoming	overcome	VERB
cblr-14258	258	27	this	this	DET
cblr-14258	258	28	presumption	presumption	NOUN
cblr-14258	258	29	by	by	ADP
cblr-14258	258	30	demonstrating	demonstrate	VERB
cblr-14258	258	31	the	the	DET
cblr-14258	258	32	unconstitutionality	unconstitutionality	NOUN
cblr-14258	258	33	of	of	ADP
cblr-14258	258	34	the	the	DET
cblr-14258	258	35	legislation	legislation	NOUN
cblr-14258	258	36	beyond	beyond	ADP
cblr-14258	258	37	a	a	DET
cblr-14258	258	38	reasonable	reasonable	ADJ
cblr-14258	258	39	doubt	doubt	NOUN
cblr-14258	258	40	.	.	PUNCT
cblr-14258	259	1	”72	”72	VERB
cblr-14258	259	2	in	in	ADP
cblr-14258	259	3	most	most	ADJ
cblr-14258	259	4	cases	case	NOUN
cblr-14258	259	5	,	,	PUNCT
cblr-14258	259	6	the	the	DET
cblr-14258	259	7	plaintiff	plaintiff	NOUN
cblr-14258	259	8	-	-	PUNCT
cblr-14258	259	9	mortgagees	mortgagee	NOUN
cblr-14258	259	10	have	have	AUX
cblr-14258	259	11	not	not	PART
cblr-14258	259	12	been	be	AUX
cblr-14258	259	13	able	able	ADJ
cblr-14258	259	14	to	to	PART
cblr-14258	259	15	overcome	overcome	VERB
cblr-14258	259	16	that	that	DET
cblr-14258	259	17	burden	burden	NOUN
cblr-14258	259	18	.	.	PUNCT
cblr-14258	260	1	first	first	ADV
cblr-14258	260	2	of	of	ADP
cblr-14258	260	3	all	all	PRON
cblr-14258	260	4	,	,	PUNCT
cblr-14258	260	5	for	for	ADP
cblr-14258	260	6	claims	claim	NOUN
cblr-14258	260	7	that	that	PRON
cblr-14258	260	8	fapa	fapa	NOUN
cblr-14258	260	9	’s	’s	PART
cblr-14258	260	10	retroactive	retroactive	ADJ
cblr-14258	260	11	application	application	NOUN
cblr-14258	260	12	would	would	AUX
cblr-14258	260	13	violate	violate	VERB
cblr-14258	260	14	the	the	DET
cblr-14258	260	15	contract	contract	NOUN
cblr-14258	260	16	clause	clause	NOUN
cblr-14258	260	17	,	,	PUNCT
cblr-14258	260	18	the	the	DET
cblr-14258	260	19	courts	court	NOUN
cblr-14258	260	20	have	have	AUX
cblr-14258	260	21	never	never	ADV
cblr-14258	260	22	found	find	VERB
cblr-14258	260	23	such	such	ADJ
cblr-14258	260	24	violation	violation	NOUN
cblr-14258	260	25	when	when	SCONJ
cblr-14258	260	26	there	there	PRON
cblr-14258	260	27	are	be	VERB
cblr-14258	260	28	no	no	DET
cblr-14258	260	29	explicit	explicit	ADJ
cblr-14258	260	30	terms	term	NOUN
cblr-14258	260	31	regarding	regard	VERB
cblr-14258	260	32	voluntary	voluntary	ADJ
cblr-14258	260	33	discontinuance	discontinuance	NOUN
cblr-14258	260	34	or	or	CCONJ
cblr-14258	260	35	resetting	reset	VERB
cblr-14258	260	36	the	the	DET
cblr-14258	260	37	statute	statute	NOUN
cblr-14258	260	38	of	of	ADP
cblr-14258	260	39	limitations	limitation	NOUN
cblr-14258	260	40	in	in	ADP
cblr-14258	260	41	the	the	DET
cblr-14258	260	42	mortgage	mortgage	NOUN
cblr-14258	260	43	agreement	agreement	NOUN
cblr-14258	260	44	itself	itself	PRON
cblr-14258	260	45	.	.	PUNCT
cblr-14258	261	1	for	for	ADP
cblr-14258	261	2	example	example	NOUN
cblr-14258	261	3	,	,	PUNCT
cblr-14258	261	4	the	the	DET
cblr-14258	261	5	suffolk	suffolk	PROPN
cblr-14258	261	6	county	county	PROPN
cblr-14258	261	7	supreme	supreme	PROPN
cblr-14258	261	8	court	court	PROPN
cblr-14258	261	9	reasoned	reason	VERB
cblr-14258	261	10	in	in	ADP
cblr-14258	261	11	ipa	ipa	PROPN
cblr-14258	261	12	that	that	SCONJ
cblr-14258	261	13	“	"	PUNCT
cblr-14258	261	14	to	to	PART
cblr-14258	261	15	establish	establish	VERB
cblr-14258	261	16	a	a	DET
cblr-14258	261	17	violation	violation	NOUN
cblr-14258	261	18	of	of	ADP
cblr-14258	261	19	the	the	DET
cblr-14258	261	20	contract	contract	NOUN
cblr-14258	261	21	clause	clause	NOUN
cblr-14258	261	22	,	,	PUNCT
cblr-14258	261	23	there	there	PRON
cblr-14258	261	24	must	must	AUX
cblr-14258	261	25	be	be	AUX
cblr-14258	261	26	a	a	DET
cblr-14258	261	27	substantial	substantial	ADJ
cblr-14258	261	28	impairment	impairment	NOUN
cblr-14258	261	29	of	of	ADP
cblr-14258	261	30	a	a	DET
cblr-14258	261	31	contractual	contractual	ADJ
cblr-14258	261	32	right	right	NOUN
cblr-14258	261	33	.	.	PUNCT
cblr-14258	262	1	”73	”73	PUNCT
cblr-14258	263	1	in	in	ADP
cblr-14258	263	2	that	that	DET
cblr-14258	263	3	case	case	NOUN
cblr-14258	263	4	,	,	PUNCT
cblr-14258	263	5	the	the	DET
cblr-14258	263	6	mortgagee	mortgagee	NOUN
cblr-14258	263	7	did	do	AUX
cblr-14258	263	8	not	not	PART
cblr-14258	263	9	point	point	VERB
cblr-14258	263	10	to	to	ADP
cblr-14258	263	11	any	any	DET
cblr-14258	263	12	specific	specific	ADJ
cblr-14258	263	13	clause	clause	NOUN
cblr-14258	263	14	in	in	ADP
cblr-14258	263	15	the	the	DET
cblr-14258	263	16	mortgage	mortgage	NOUN
cblr-14258	263	17	agreement	agreement	NOUN
cblr-14258	263	18	that	that	PRON
cblr-14258	263	19	would	would	AUX
cblr-14258	263	20	have	have	AUX
cblr-14258	263	21	been	be	AUX
cblr-14258	263	22	impaired	impair	VERB
cblr-14258	263	23	by	by	ADP
cblr-14258	263	24	fapa	fapa	NOUN
cblr-14258	263	25	,	,	PUNCT
cblr-14258	263	26	and	and	CCONJ
cblr-14258	263	27	there	there	PRON
cblr-14258	263	28	existed	exist	VERB
cblr-14258	263	29	“	"	PUNCT
cblr-14258	263	30	no	no	ADV
cblr-14258	263	31	right	right	NOUN
cblr-14258	263	32	to	to	AUX
cblr-14258	263	33	de	de	VERB
cblr-14258	263	34	-	-	VERB
cblr-14258	263	35	accelerate	accelerate	VERB
cblr-14258	263	36	the	the	DET
cblr-14258	263	37	loan	loan	NOUN
cblr-14258	263	38	in	in	ADP
cblr-14258	263	39	either	either	CCONJ
cblr-14258	263	40	the	the	DET
cblr-14258	263	41	mortgage	mortgage	NOUN
cblr-14258	263	42	or	or	CCONJ
cblr-14258	263	43	the	the	DET
cblr-14258	263	44	note	note	NOUN
cblr-14258	263	45	.	.	PUNCT
cblr-14258	264	1	”74	”74	ADP
cblr-14258	264	2	other	other	ADJ
cblr-14258	264	3	courts	court	NOUN
cblr-14258	264	4	have	have	AUX
cblr-14258	264	5	adopted	adopt	VERB
cblr-14258	264	6	the	the	DET
cblr-14258	264	7	same	same	ADJ
cblr-14258	264	8	reasoning	reasoning	NOUN
cblr-14258	264	9	when	when	SCONJ
cblr-14258	264	10	there	there	PRON
cblr-14258	264	11	is	be	VERB
cblr-14258	264	12	no	no	DET
cblr-14258	264	13	right	right	NOUN
cblr-14258	264	14	or	or	CCONJ
cblr-14258	264	15	terms	term	NOUN
cblr-14258	264	16	mutually	mutually	ADV
cblr-14258	264	17	agreed	agree	VERB
cblr-14258	264	18	upon	upon	SCONJ
cblr-14258	264	19	in	in	ADP
cblr-14258	264	20	the	the	DET
cblr-14258	264	21	mortgage	mortgage	NOUN
cblr-14258	264	22	agreement	agreement	NOUN
cblr-14258	264	23	that	that	PRON
cblr-14258	264	24	would	would	AUX
cblr-14258	264	25	have	have	AUX
cblr-14258	264	26	been	be	AUX
cblr-14258	264	27	impaired	impair	VERB
cblr-14258	264	28	by	by	ADP
cblr-14258	264	29	fapa	fapa	PROPN
cblr-14258	264	30	’s	’s	PART
cblr-14258	264	31	retroactive	retroactive	ADJ
cblr-14258	264	32	application.75	application.75	PROPN
cblr-14258	264	33	the	the	DET
cblr-14258	264	34	story	story	NOUN
cblr-14258	264	35	is	be	AUX
cblr-14258	264	36	understandably	understandably	ADV
cblr-14258	264	37	different	different	ADJ
cblr-14258	264	38	,	,	PUNCT
cblr-14258	264	39	however	however	ADV
cblr-14258	264	40	,	,	PUNCT
cblr-14258	264	41	when	when	SCONJ
cblr-14258	264	42	there	there	PRON
cblr-14258	264	43	is	be	VERB
cblr-14258	264	44	an	an	DET
cblr-14258	264	45	express	express	ADJ
cblr-14258	264	46	provision	provision	NOUN
cblr-14258	264	47	in	in	ADP
cblr-14258	264	48	the	the	DET
cblr-14258	264	49	agreement	agreement	NOUN
cblr-14258	264	50	setting	set	VERB
cblr-14258	264	51	forth	forth	ADP
cblr-14258	264	52	what	what	PRON
cblr-14258	264	53	a	a	DET
cblr-14258	264	54	note	note	NOUN
cblr-14258	264	55	holder	holder	NOUN
cblr-14258	264	56	must	must	AUX
cblr-14258	264	57	do	do	VERB
cblr-14258	264	58	to	to	PART
cblr-14258	264	59	revoke	revoke	VERB
cblr-14258	264	60	an	an	DET
cblr-14258	264	61	election	election	NOUN
cblr-14258	264	62	to	to	PART
cblr-14258	264	63	accelerate	accelerate	VERB
cblr-14258	264	64	the	the	DET
cblr-14258	264	65	debt	debt	NOUN
cblr-14258	264	66	.	.	PUNCT
cblr-14258	265	1	in	in	ADP
cblr-14258	265	2	speller	speller	NOUN
cblr-14258	265	3	,	,	PUNCT
cblr-14258	265	4	both	both	CCONJ
cblr-14258	265	5	the	the	DET
cblr-14258	265	6	lender	lender	NOUN
cblr-14258	265	7	and	and	CCONJ
cblr-14258	265	8	the	the	DET
cblr-14258	265	9	borrower	borrower	NOUN
cblr-14258	265	10	mutually	mutually	ADV
cblr-14258	265	11	agreed	agree	VERB
cblr-14258	265	12	to	to	PART
cblr-14258	265	13	discontinue	discontinue	VERB
cblr-14258	265	14	the	the	DET
cblr-14258	265	15	2009	2009	NUM
cblr-14258	265	16	foreclosure	foreclosure	NOUN
cblr-14258	265	17	action	action	NOUN
cblr-14258	265	18	and	and	CCONJ
cblr-14258	265	19	reinstate	reinstate	VERB
cblr-14258	265	20	the	the	DET
cblr-14258	265	21	borrowers	borrower	NOUN
cblr-14258	265	22	’	'	PUNCT
cblr-14258	265	23	right	right	NOUN
cblr-14258	265	24	to	to	PART
cblr-14258	265	25	pay	pay	VERB
cblr-14258	265	26	the	the	DET
cblr-14258	265	27	mortgage	mortgage	NOUN
cblr-14258	265	28	in	in	ADP
cblr-14258	265	29	installments	installment	NOUN
cblr-14258	265	30	.	.	PUNCT
cblr-14258	266	1	under	under	ADP
cblr-14258	266	2	71	71	NUM
cblr-14258	266	3	i	i	PROPN
cblr-14258	266	4	d.	d.	PROPN
cblr-14258	266	5	(	(	PUNCT
cblr-14258	266	6	quoting	quote	VERB
cblr-14258	266	7	am	am	PROPN
cblr-14258	266	8	.	.	PUNCT
cblr-14258	267	1	econ	econ	PROPN
cblr-14258	267	2	.	.	PUNCT
cblr-14258	268	1	ins	ins	PROPN
cblr-14258	268	2	.	.	PUNCT
cblr-14258	268	3	co.	co.	PROPN
cblr-14258	268	4	v.	v.	ADP
cblr-14258	268	5	state	state	PROPN
cblr-14258	268	6	,	,	PUNCT
cblr-14258	268	7	87	87	NUM
cblr-14258	268	8	n.e.3d	n.e.3d	NUM
cblr-14258	268	9	126	126	NUM
cblr-14258	268	10	,	,	PUNCT
cblr-14258	268	11	135	135	NUM
cblr-14258	268	12	(	(	PUNCT
cblr-14258	268	13	n.y	n.y	PROPN
cblr-14258	268	14	.	.	PROPN
cblr-14258	268	15	2017	2017	NUM
cblr-14258	268	16	)	)	PUNCT
cblr-14258	268	17	)	)	PUNCT
cblr-14258	268	18	.	.	PUNCT
cblr-14258	269	1	72	72	NUM
cblr-14258	269	2	deutsche	deutsche	PROPN
cblr-14258	269	3	bank	bank	PROPN
cblr-14258	269	4	nat’l	nat’l	PROPN
cblr-14258	269	5	tr	tr	VERB
cblr-14258	269	6	.	.	PROPN
cblr-14258	269	7	co.	co.	PROPN
cblr-14258	270	1	v.	v.	ADP
cblr-14258	270	2	dagrin	dagrin	PROPN
cblr-14258	270	3	,	,	PUNCT
cblr-14258	270	4	190	190	NUM
cblr-14258	270	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	270	6	582	582	NUM
cblr-14258	270	7	,	,	PUNCT
cblr-14258	270	8	587	587	NUM
cblr-14258	270	9	(	(	PUNCT
cblr-14258	270	10	n.y	n.y	PROPN
cblr-14258	270	11	.	.	PROPN
cblr-14258	270	12	sup	sup	PROPN
cblr-14258	270	13	.	.	PUNCT
cblr-14258	271	1	ct	ct	NUM
cblr-14258	271	2	.	.	NOUN
cblr-14258	271	3	2023	2023	NUM
cblr-14258	271	4	)	)	PUNCT
cblr-14258	271	5	(	(	PUNCT
cblr-14258	271	6	quoting	quote	VERB
cblr-14258	271	7	am	am	PROPN
cblr-14258	271	8	.	.	PUNCT
cblr-14258	272	1	econ	econ	PROPN
cblr-14258	272	2	.	.	PUNCT
cblr-14258	273	1	ins	ins	PROPN
cblr-14258	273	2	.	.	PUNCT
cblr-14258	273	3	co.	co.	PROPN
cblr-14258	273	4	v.	v.	ADP
cblr-14258	273	5	state	state	PROPN
cblr-14258	273	6	,	,	PUNCT
cblr-14258	273	7	87	87	NUM
cblr-14258	273	8	n.e.3d	n.e.3d	NUM
cblr-14258	273	9	126	126	NUM
cblr-14258	273	10	,	,	PUNCT
cblr-14258	273	11	135	135	NUM
cblr-14258	273	12	(	(	PUNCT
cblr-14258	273	13	n.y	n.y	PROPN
cblr-14258	273	14	.	.	PROPN
cblr-14258	273	15	2017	2017	NUM
cblr-14258	273	16	)	)	PUNCT
cblr-14258	273	17	)	)	PUNCT
cblr-14258	273	18	,	,	PUNCT
cblr-14258	273	19	aff’d	aff’d	VERB
cblr-14258	273	20	,	,	PUNCT
cblr-14258	273	21	deutsche	deutsche	PROPN
cblr-14258	273	22	bank	bank	PROPN
cblr-14258	273	23	nat’l	nat’l	PROPN
cblr-14258	273	24	tr	tr	VERB
cblr-14258	273	25	.	.	PROPN
cblr-14258	273	26	co.	co.	PROPN
cblr-14258	274	1	v.	v.	ADP
cblr-14258	274	2	dagrin	dagrin	PROPN
cblr-14258	274	3	,	,	PUNCT
cblr-14258	274	4	226	226	NUM
cblr-14258	274	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	274	6	75	75	NUM
cblr-14258	274	7	(	(	PUNCT
cblr-14258	274	8	n.y	n.y	PROPN
cblr-14258	274	9	.	.	PROPN
cblr-14258	274	10	app	app	PROPN
cblr-14258	274	11	.	.	PUNCT
cblr-14258	275	1	div	div	PROPN
cblr-14258	275	2	.	.	PUNCT
cblr-14258	275	3	2d	2d	NUM
cblr-14258	275	4	dep’t	dep’t	NOUN
cblr-14258	275	5	2024	2024	NUM
cblr-14258	275	6	)	)	PUNCT
cblr-14258	275	7	.	.	PUNCT
cblr-14258	276	1	73	73	NUM
cblr-14258	276	2	hsbc	hsbc	PROPN
cblr-14258	276	3	bank	bank	PROPN
cblr-14258	276	4	usa	usa	PROPN
cblr-14258	276	5	,	,	PUNCT
cblr-14258	276	6	n.a	n.a	PROPN
cblr-14258	276	7	.	.	PROPN
cblr-14258	276	8	v.	v.	PROPN
cblr-14258	276	9	ipa	ipa	PROPN
cblr-14258	276	10	asset	asset	PROPN
cblr-14258	276	11	mgt	mgt	PROPN
cblr-14258	276	12	.	.	PUNCT
cblr-14258	276	13	,	,	PUNCT
cblr-14258	276	14	llc	llc	PROPN
cblr-14258	276	15	,	,	PUNCT
cblr-14258	276	16	190	190	NUM
cblr-14258	276	17	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	276	18	622	622	NUM
cblr-14258	276	19	,	,	PUNCT
cblr-14258	276	20	626	626	NUM
cblr-14258	276	21	(	(	PUNCT
cblr-14258	276	22	n.y	n.y	PROPN
cblr-14258	276	23	.	.	PROPN
cblr-14258	276	24	sup	sup	PROPN
cblr-14258	276	25	.	.	PUNCT
cblr-14258	277	1	ct	ct	NUM
cblr-14258	277	2	.	.	PROPN
cblr-14258	277	3	2023	2023	NUM
cblr-14258	277	4	)	)	PUNCT
cblr-14258	277	5	.	.	PUNCT
cblr-14258	278	1	74	74	NUM
cblr-14258	279	1	i	i	PRON
cblr-14258	279	2	d.	d.	PROPN
cblr-14258	279	3	75	75	NUM
cblr-14258	279	4	see	see	VERB
cblr-14258	279	5	,	,	PUNCT
cblr-14258	279	6	e.g.	e.g.	ADV
cblr-14258	279	7	,	,	PUNCT
cblr-14258	279	8	u.s	u.s	PROPN
cblr-14258	279	9	.	.	PROPN
cblr-14258	279	10	bank	bank	PROPN
cblr-14258	279	11	tr	tr	VERB
cblr-14258	279	12	.	.	PROPN
cblr-14258	279	13	,	,	PUNCT
cblr-14258	279	14	n.a	n.a	PROPN
cblr-14258	279	15	.	.	PROPN
cblr-14258	280	1	v.	v.	PROPN
cblr-14258	280	2	miele	miele	PROPN
cblr-14258	280	3	,	,	PUNCT
cblr-14258	280	4	197	197	NUM
cblr-14258	280	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	280	6	656	656	NUM
cblr-14258	280	7	,	,	PUNCT
cblr-14258	280	8	667–68	667–68	NUM
cblr-14258	280	9	(	(	PUNCT
cblr-14258	280	10	n.y	n.y	PROPN
cblr-14258	280	11	.	.	PROPN
cblr-14258	280	12	sup	sup	PROPN
cblr-14258	280	13	.	.	PUNCT
cblr-14258	281	1	ct	ct	NUM
cblr-14258	281	2	.	.	PROPN
cblr-14258	281	3	2023	2023	NUM
cblr-14258	281	4	)	)	PUNCT
cblr-14258	281	5	;	;	PUNCT
cblr-14258	281	6	see	see	AUX
cblr-14258	281	7	also	also	ADV
cblr-14258	281	8	ditech	ditech	VERB
cblr-14258	281	9	fin	fin	NOUN
cblr-14258	281	10	.	.	PUNCT
cblr-14258	282	1	llc	llc	PROPN
cblr-14258	282	2	v.	v.	PROPN
cblr-14258	282	3	naidu	naidu	PROPN
cblr-14258	282	4	,	,	PUNCT
cblr-14258	282	5	206	206	NUM
cblr-14258	282	6	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	282	7	441	441	NUM
cblr-14258	282	8	,	,	PUNCT
cblr-14258	282	9	456	456	NUM
cblr-14258	282	10	(	(	PUNCT
cblr-14258	282	11	n.y	n.y	PROPN
cblr-14258	282	12	.	.	PROPN
cblr-14258	282	13	sup	sup	PROPN
cblr-14258	282	14	.	.	PUNCT
cblr-14258	283	1	ct	ct	NUM
cblr-14258	283	2	.	.	PROPN
cblr-14258	283	3	2023	2023	NUM
cblr-14258	283	4	)	)	PUNCT
cblr-14258	283	5	.	.	PUNCT
cblr-14258	284	1	634	634	NUM
cblr-14258	284	2	columbia	columbia	PROPN
cblr-14258	284	3	business	business	NOUN
cblr-14258	284	4	law	law	PROPN
cblr-14258	284	5	review	review	NOUN
cblr-14258	284	6	[	[	X
cblr-14258	284	7	vol	vol	NOUN
cblr-14258	284	8	.	.	PUNCT
cblr-14258	284	9	2025	2025	NUM
cblr-14258	284	10	prevailing	prevail	VERB
cblr-14258	284	11	law	law	NOUN
cblr-14258	284	12	at	at	ADP
cblr-14258	284	13	the	the	DET
cblr-14258	284	14	time	time	NOUN
cblr-14258	284	15	,	,	PUNCT
cblr-14258	284	16	the	the	DET
cblr-14258	284	17	agreement	agreement	NOUN
cblr-14258	284	18	was	be	AUX
cblr-14258	284	19	effective	effective	ADJ
cblr-14258	284	20	to	to	PART
cblr-14258	284	21	revoke	revoke	VERB
cblr-14258	284	22	the	the	DET
cblr-14258	284	23	lender	lender	NOUN
cblr-14258	284	24	’s	’s	PART
cblr-14258	284	25	election	election	NOUN
cblr-14258	284	26	to	to	PART
cblr-14258	284	27	accelerate	accelerate	VERB
cblr-14258	284	28	and	and	CCONJ
cblr-14258	284	29	“	"	PUNCT
cblr-14258	284	30	de	de	ADJ
cblr-14258	284	31	-	-	NOUN
cblr-14258	284	32	accrue	accrue	ADJ
cblr-14258	284	33	”	"	PUNCT
cblr-14258	284	34	its	its	PRON
cblr-14258	284	35	claim	claim	NOUN
cblr-14258	284	36	to	to	PART
cblr-14258	284	37	recover	recover	VERB
cblr-14258	284	38	the	the	DET
cblr-14258	284	39	entire	entire	ADJ
cblr-14258	284	40	mortgage	mortgage	NOUN
cblr-14258	284	41	debt.76	debt.76	NOUN
cblr-14258	284	42	if	if	SCONJ
cblr-14258	284	43	fapa	fapa	NOUN
cblr-14258	284	44	is	be	AUX
cblr-14258	284	45	applied	apply	VERB
cblr-14258	284	46	retroactively	retroactively	ADV
cblr-14258	284	47	in	in	ADP
cblr-14258	284	48	that	that	DET
cblr-14258	284	49	case	case	NOUN
cblr-14258	284	50	,	,	PUNCT
cblr-14258	284	51	the	the	DET
cblr-14258	284	52	court	court	NOUN
cblr-14258	284	53	reasoned	reason	VERB
cblr-14258	284	54	,	,	PUNCT
cblr-14258	284	55	it	it	PRON
cblr-14258	284	56	“	"	PUNCT
cblr-14258	284	57	would	would	AUX
cblr-14258	284	58	invalidate	invalidate	VERB
cblr-14258	284	59	the	the	DET
cblr-14258	284	60	agreement	agreement	NOUN
cblr-14258	284	61	and	and	CCONJ
cblr-14258	284	62	,	,	PUNCT
cblr-14258	284	63	after	after	ADP
cblr-14258	284	64	the	the	DET
cblr-14258	284	65	fact	fact	NOUN
cblr-14258	284	66	,	,	PUNCT
cblr-14258	284	67	erect	erect	VERB
cblr-14258	284	68	a	a	DET
cblr-14258	284	69	statute	statute	NOUN
cblr-14258	284	70	of	of	ADP
cblr-14258	284	71	limitations	limitation	NOUN
cblr-14258	284	72	bar	bar	NOUN
cblr-14258	284	73	to	to	ADP
cblr-14258	284	74	the	the	DET
cblr-14258	284	75	[	[	X
cblr-14258	284	76	present	present	ADJ
cblr-14258	284	77	]	]	X
cblr-14258	284	78	foreclosure	foreclosure	NOUN
cblr-14258	284	79	action	action	NOUN
cblr-14258	284	80	,	,	PUNCT
cblr-14258	284	81	”	"	PUNCT
cblr-14258	284	82	thus	thus	ADV
cblr-14258	284	83	violating	violate	VERB
cblr-14258	284	84	the	the	DET
cblr-14258	284	85	contract	contract	NOUN
cblr-14258	284	86	clause.77	clause.77	NOUN
cblr-14258	284	87	secondly	secondly	ADV
cblr-14258	284	88	,	,	PUNCT
cblr-14258	284	89	mortgagees	mortgagee	NOUN
cblr-14258	284	90	have	have	AUX
cblr-14258	284	91	contended	contend	VERB
cblr-14258	284	92	that	that	SCONJ
cblr-14258	284	93	retroactive	retroactive	ADJ
cblr-14258	284	94	application	application	NOUN
cblr-14258	284	95	of	of	ADP
cblr-14258	284	96	fapa	fapa	NOUN
cblr-14258	284	97	would	would	AUX
cblr-14258	284	98	violate	violate	VERB
cblr-14258	284	99	substantive	substantive	ADJ
cblr-14258	284	100	due	due	ADJ
cblr-14258	284	101	process	process	NOUN
cblr-14258	284	102	rights	right	NOUN
cblr-14258	284	103	under	under	ADP
cblr-14258	284	104	the	the	DET
cblr-14258	284	105	constitution	constitution	NOUN
cblr-14258	284	106	by	by	ADP
cblr-14258	284	107	impairing	impair	VERB
cblr-14258	284	108	their	their	PRON
cblr-14258	284	109	“	"	PUNCT
cblr-14258	284	110	vested	vested	ADJ
cblr-14258	284	111	right	right	NOUN
cblr-14258	284	112	to	to	PART
cblr-14258	284	113	maintain	maintain	VERB
cblr-14258	284	114	this	this	DET
cblr-14258	284	115	action	action	NOUN
cblr-14258	284	116	because	because	SCONJ
cblr-14258	284	117	it	it	PRON
cblr-14258	284	118	was	be	AUX
cblr-14258	284	119	timely	timely	ADV
cblr-14258	284	120	commenced	commence	VERB
cblr-14258	284	121	”	"	PUNCT
cblr-14258	284	122	and	and	CCONJ
cblr-14258	284	123	application	application	NOUN
cblr-14258	284	124	of	of	ADP
cblr-14258	284	125	fapa	fapa	NOUN
cblr-14258	284	126	would	would	AUX
cblr-14258	284	127	“	"	PUNCT
cblr-14258	284	128	now	now	ADV
cblr-14258	284	129	render	render	VERB
cblr-14258	284	130	it	it	PRON
cblr-14258	284	131	time	time	NOUN
cblr-14258	284	132	barred	bar	VERB
cblr-14258	284	133	.	.	PUNCT
cblr-14258	285	1	”78	”78	ADV
cblr-14258	285	2	in	in	ADP
cblr-14258	285	3	face	face	NOUN
cblr-14258	285	4	of	of	ADP
cblr-14258	285	5	this	this	DET
cblr-14258	285	6	challenge	challenge	NOUN
cblr-14258	285	7	,	,	PUNCT
cblr-14258	285	8	the	the	DET
cblr-14258	285	9	courts	court	NOUN
cblr-14258	285	10	have	have	AUX
cblr-14258	285	11	relied	rely	VERB
cblr-14258	285	12	on	on	ADP
cblr-14258	285	13	a	a	DET
cblr-14258	285	14	rational	rational	ADJ
cblr-14258	285	15	basis	basis	NOUN
cblr-14258	285	16	test	test	NOUN
cblr-14258	285	17	:	:	PUNCT
cblr-14258	285	18	“	"	PUNCT
cblr-14258	285	19	[	[	X
cblr-14258	285	20	t]o	t]o	NOUN
cblr-14258	285	21	comport	comport	VERB
cblr-14258	285	22	with	with	ADP
cblr-14258	285	23	the	the	DET
cblr-14258	285	24	requirements	requirement	NOUN
cblr-14258	285	25	of	of	ADP
cblr-14258	285	26	due	due	ADJ
cblr-14258	285	27	process	process	NOUN
cblr-14258	285	28	,	,	PUNCT
cblr-14258	285	29	retroactive	retroactive	ADJ
cblr-14258	285	30	application	application	NOUN
cblr-14258	285	31	of	of	ADP
cblr-14258	285	32	a	a	DET
cblr-14258	285	33	newly	newly	ADV
cblr-14258	285	34	enacted	enact	VERB
cblr-14258	285	35	provision	provision	NOUN
cblr-14258	285	36	must	must	AUX
cblr-14258	285	37	be	be	AUX
cblr-14258	285	38	supported	support	VERB
cblr-14258	285	39	by	by	ADP
cblr-14258	285	40	‘	'	PUNCT
cblr-14258	285	41	a	a	DET
cblr-14258	285	42	legitimate	legitimate	ADJ
cblr-14258	285	43	legislative	legislative	ADJ
cblr-14258	285	44	purpose	purpose	NOUN
cblr-14258	285	45	furthered	further	VERB
cblr-14258	285	46	by	by	ADP
cblr-14258	285	47	rational	rational	ADJ
cblr-14258	285	48	means	mean	NOUN
cblr-14258	285	49	.	.	PUNCT
cblr-14258	285	50	’”79	’”79	PROPN
cblr-14258	285	51	in	in	ADP
cblr-14258	285	52	miele	miele	PROPN
cblr-14258	285	53	,	,	PUNCT
cblr-14258	285	54	the	the	DET
cblr-14258	285	55	court	court	NOUN
cblr-14258	285	56	found	find	VERB
cblr-14258	285	57	that	that	SCONJ
cblr-14258	285	58	statutory	statutory	ADJ
cblr-14258	285	59	retroactivity	retroactivity	NOUN
cblr-14258	285	60	is	be	AUX
cblr-14258	285	61	integral	integral	ADJ
cblr-14258	285	62	to	to	PART
cblr-14258	285	63	fapa	fapa	VERB
cblr-14258	285	64	’s	’s	PART
cblr-14258	285	65	fundamental	fundamental	ADJ
cblr-14258	285	66	objective	objective	NOUN
cblr-14258	285	67	,	,	PUNCT
cblr-14258	285	68	and	and	CCONJ
cblr-14258	285	69	that	that	SCONJ
cblr-14258	285	70	the	the	DET
cblr-14258	285	71	legislature	legislature	NOUN
cblr-14258	285	72	had	have	VERB
cblr-14258	285	73	a	a	DET
cblr-14258	285	74	rational	rational	ADJ
cblr-14258	285	75	legislative	legislative	ADJ
cblr-14258	285	76	purpose	purpose	NOUN
cblr-14258	285	77	and	and	CCONJ
cblr-14258	285	78	“	"	PUNCT
cblr-14258	285	79	persuasive	persuasive	ADJ
cblr-14258	285	80	reason	reason	NOUN
cblr-14258	285	81	”	"	PUNCT
cblr-14258	285	82	for	for	ADP
cblr-14258	285	83	the	the	DET
cblr-14258	285	84	“	"	PUNCT
cblr-14258	285	85	potentially	potentially	ADV
cblr-14258	285	86	harsh	harsh	ADJ
cblr-14258	285	87	”	"	PUNCT
cblr-14258	285	88	impact	impact	NOUN
cblr-14258	285	89	of	of	ADP
cblr-14258	285	90	fapa	fapa	NOUN
cblr-14258	285	91	’s	’s	PART
cblr-14258	285	92	retroactive	retroactive	ADJ
cblr-14258	285	93	application	application	NOUN
cblr-14258	285	94	:	:	PUNCT
cblr-14258	285	95	to	to	PART
cblr-14258	285	96	prevent	prevent	VERB
cblr-14258	285	97	lenders	lender	NOUN
cblr-14258	285	98	from	from	ADP
cblr-14258	285	99	abusing	abuse	VERB
cblr-14258	285	100	the	the	DET
cblr-14258	285	101	judicial	judicial	ADJ
cblr-14258	285	102	foreclosure	foreclosure	NOUN
cblr-14258	285	103	process.80	process.80	NOUN
cblr-14258	285	104	since	since	SCONJ
cblr-14258	285	105	the	the	DET
cblr-14258	285	106	mortgagee	mortgagee	PROPN
cblr-14258	285	107	failed	fail	VERB
cblr-14258	285	108	to	to	PART
cblr-14258	285	109	show	show	VERB
cblr-14258	285	110	otherwise	otherwise	ADV
cblr-14258	285	111	,	,	PUNCT
cblr-14258	285	112	fapa	fapa	PROPN
cblr-14258	285	113	’s	’s	PART
cblr-14258	285	114	retroactive	retroactive	ADJ
cblr-14258	285	115	application	application	NOUN
cblr-14258	285	116	satisfied	satisfied	ADJ
cblr-14258	285	117	due	due	ADJ
cblr-14258	285	118	process	process	NOUN
cblr-14258	285	119	and	and	CCONJ
cblr-14258	285	120	was	be	AUX
cblr-14258	285	121	constitutional.81	constitutional.81	NOUN
cblr-14258	285	122	most	most	ADJ
cblr-14258	285	123	other	other	ADJ
cblr-14258	285	124	courts	court	NOUN
cblr-14258	285	125	have	have	AUX
cblr-14258	285	126	also	also	ADV
cblr-14258	285	127	found	find	VERB
cblr-14258	285	128	such	such	ADJ
cblr-14258	285	129	rational	rational	ADJ
cblr-14258	285	130	basis	basis	NOUN
cblr-14258	285	131	behind	behind	ADP
cblr-14258	285	132	fapa.82	fapa.82	PROPN
cblr-14258	285	133	the	the	DET
cblr-14258	285	134	suffolk	suffolk	PROPN
cblr-14258	285	135	county	county	PROPN
cblr-14258	285	136	supreme	supreme	PROPN
cblr-14258	285	137	court	court	PROPN
cblr-14258	285	138	,	,	PUNCT
cblr-14258	285	139	however	however	ADV
cblr-14258	285	140	,	,	PUNCT
cblr-14258	285	141	stated	state	VERB
cblr-14258	285	142	in	in	ADP
cblr-14258	285	143	wilmington	wilmington	PROPN
cblr-14258	285	144	trust	trust	PROPN
cblr-14258	285	145	v.	v.	ADP
cblr-14258	285	146	gawlowski	gawlowski	PROPN
cblr-14258	285	147	that	that	SCONJ
cblr-14258	285	148	the	the	DET
cblr-14258	285	149	court	court	NOUN
cblr-14258	285	150	of	of	ADP
cblr-14258	285	151	appeals	appeals	PROPN
cblr-14258	285	152	has	have	VERB
cblr-14258	285	153	76	76	NUM
cblr-14258	285	154	u.s	u.s	PROPN
cblr-14258	285	155	.	.	PROPN
cblr-14258	285	156	bank	bank	PROPN
cblr-14258	285	157	nat’l	nat’l	VERB
cblr-14258	285	158	ass’n	ass’n	PROPN
cblr-14258	285	159	v.	v.	CCONJ
cblr-14258	285	160	speller	speller	NOUN
cblr-14258	285	161	,	,	PUNCT
cblr-14258	285	162	197	197	NUM
cblr-14258	285	163	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	285	164	925	925	NUM
cblr-14258	285	165	,	,	PUNCT
cblr-14258	285	166	at	at	ADP
cblr-14258	285	167	*	*	NUM
cblr-14258	285	168	22	22	NUM
cblr-14258	285	169	(	(	PUNCT
cblr-14258	285	170	n.y	n.y	PROPN
cblr-14258	285	171	.	.	PROPN
cblr-14258	285	172	sup	sup	PROPN
cblr-14258	285	173	.	.	PUNCT
cblr-14258	286	1	ct	ct	PROPN
cblr-14258	286	2	.	.	PUNCT
cblr-14258	286	3	oct	oct	PROPN
cblr-14258	286	4	.	.	PROPN
cblr-14258	286	5	31	31	NUM
cblr-14258	286	6	,	,	PUNCT
cblr-14258	286	7	2023	2023	NUM
cblr-14258	286	8	)	)	PUNCT
cblr-14258	286	9	.	.	PUNCT
cblr-14258	287	1	77	77	NUM
cblr-14258	288	1	i	i	PRON
cblr-14258	288	2	d.	d.	PROPN
cblr-14258	288	3	78	78	NUM
cblr-14258	288	4	miele	miele	PROPN
cblr-14258	288	5	,	,	PUNCT
cblr-14258	288	6	197	197	NUM
cblr-14258	288	7	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	288	8	at	at	ADP
cblr-14258	288	9	669	669	NUM
cblr-14258	288	10	.	.	PUNCT
cblr-14258	288	11	79	79	NUM
cblr-14258	289	1	i	i	PRON
cblr-14258	289	2	d.	d.	PROPN
cblr-14258	289	3	(	(	PUNCT
cblr-14258	289	4	quoting	quote	VERB
cblr-14258	289	5	am	am	PROPN
cblr-14258	289	6	.	.	PUNCT
cblr-14258	290	1	econ	econ	PROPN
cblr-14258	290	2	.	.	PUNCT
cblr-14258	291	1	ins	ins	PROPN
cblr-14258	291	2	.	.	PUNCT
cblr-14258	291	3	co.	co.	PROPN
cblr-14258	291	4	v.	v.	ADP
cblr-14258	291	5	state	state	PROPN
cblr-14258	291	6	,	,	PUNCT
cblr-14258	291	7	87	87	NUM
cblr-14258	291	8	n.e.3d	n.e.3d	NUM
cblr-14258	291	9	126	126	NUM
cblr-14258	291	10	,	,	PUNCT
cblr-14258	291	11	135	135	NUM
cblr-14258	291	12	(	(	PUNCT
cblr-14258	291	13	n.y	n.y	PROPN
cblr-14258	291	14	.	.	PROPN
cblr-14258	291	15	2017	2017	NUM
cblr-14258	291	16	)	)	PUNCT
cblr-14258	291	17	)	)	PUNCT
cblr-14258	291	18	.	.	PUNCT
cblr-14258	292	1	80	80	NUM
cblr-14258	292	2	miele	miele	NOUN
cblr-14258	292	3	,	,	PUNCT
cblr-14258	292	4	197	197	NUM
cblr-14258	292	5	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	292	6	.	.	PUNCT
cblr-14258	292	7	at	at	ADP
cblr-14258	292	8	670	670	NUM
cblr-14258	292	9	.	.	PUNCT
cblr-14258	292	10	81	81	NUM
cblr-14258	293	1	i	i	PRON
cblr-14258	293	2	d.	d.	PROPN
cblr-14258	293	3	at	at	ADP
cblr-14258	293	4	670	670	NUM
cblr-14258	293	5	.	.	PUNCT
cblr-14258	294	1	82	82	NUM
cblr-14258	294	2	see	see	VERB
cblr-14258	294	3	,	,	PUNCT
cblr-14258	294	4	e.g.	e.g.	ADV
cblr-14258	294	5	,	,	PUNCT
cblr-14258	294	6	hsbc	hsbc	PROPN
cblr-14258	294	7	bank	bank	PROPN
cblr-14258	294	8	usa	usa	PROPN
cblr-14258	294	9	,	,	PUNCT
cblr-14258	294	10	n.a	n.a	PROPN
cblr-14258	294	11	.	.	PROPN
cblr-14258	295	1	v.	v.	PROPN
cblr-14258	295	2	ipa	ipa	PROPN
cblr-14258	295	3	asset	asset	PROPN
cblr-14258	295	4	mgt	mgt	PROPN
cblr-14258	295	5	.	.	PUNCT
cblr-14258	296	1	,	,	PUNCT
cblr-14258	296	2	llc	llc	PROPN
cblr-14258	296	3	,	,	PUNCT
cblr-14258	296	4	190	190	NUM
cblr-14258	296	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	296	6	622	622	NUM
cblr-14258	296	7	,	,	PUNCT
cblr-14258	296	8	625–26	625–26	PROPN
cblr-14258	296	9	(	(	PUNCT
cblr-14258	296	10	n.y	n.y	PROPN
cblr-14258	296	11	.	.	PROPN
cblr-14258	296	12	sup	sup	PROPN
cblr-14258	296	13	.	.	PUNCT
cblr-14258	297	1	ct	ct	NUM
cblr-14258	297	2	.	.	NOUN
cblr-14258	297	3	2023	2023	NUM
cblr-14258	297	4	)	)	PUNCT
cblr-14258	298	1	(	(	PUNCT
cblr-14258	298	2	finding	find	VERB
cblr-14258	298	3	that	that	SCONJ
cblr-14258	298	4	the	the	DET
cblr-14258	298	5	legislative	legislative	ADJ
cblr-14258	298	6	purposes	purpose	NOUN
cblr-14258	298	7	of	of	ADP
cblr-14258	298	8	fapa	fapa	NOUN
cblr-14258	298	9	was	be	AUX
cblr-14258	298	10	to	to	PART
cblr-14258	298	11	correct	correct	VERB
cblr-14258	298	12	an	an	DET
cblr-14258	298	13	erroneous	erroneous	ADJ
cblr-14258	298	14	interpretation	interpretation	NOUN
cblr-14258	298	15	of	of	ADP
cblr-14258	298	16	the	the	DET
cblr-14258	298	17	law	law	NOUN
cblr-14258	298	18	and	and	CCONJ
cblr-14258	298	19	that	that	SCONJ
cblr-14258	298	20	the	the	DET
cblr-14258	298	21	legislation	legislation	NOUN
cblr-14258	298	22	is	be	AUX
cblr-14258	298	23	rationally	rationally	ADV
cblr-14258	298	24	related	relate	VERB
cblr-14258	298	25	to	to	ADP
cblr-14258	298	26	legitimate	legitimate	ADJ
cblr-14258	298	27	governmental	governmental	ADJ
cblr-14258	298	28	interest	interest	NOUN
cblr-14258	298	29	to	to	PART
cblr-14258	298	30	satisfy	satisfy	VERB
cblr-14258	298	31	due	due	ADJ
cblr-14258	298	32	process	process	NOUN
cblr-14258	298	33	)	)	PUNCT
cblr-14258	298	34	.	.	PUNCT
cblr-14258	299	1	no	no	INTJ
cblr-14258	299	2	.	.	NOUN
cblr-14258	299	3	1	1	NUM
cblr-14258	299	4	]	]	PUNCT
cblr-14258	299	5	retroactive	retroactive	ADJ
cblr-14258	299	6	application	application	NOUN
cblr-14258	299	7	of	of	ADP
cblr-14258	299	8	the	the	DET
cblr-14258	299	9	ny	ny	PROPN
cblr-14258	299	10	fapa	fapa	PROPN
cblr-14258	299	11	635	635	NUM
cblr-14258	299	12	also	also	ADV
cblr-14258	299	13	elaborated	elaborate	VERB
cblr-14258	299	14	a	a	DET
cblr-14258	299	15	“	"	PUNCT
cblr-14258	299	16	final	final	ADJ
cblr-14258	299	17	judgment	judgment	NOUN
cblr-14258	299	18	”	"	PUNCT
cblr-14258	299	19	exception	exception	NOUN
cblr-14258	299	20	to	to	ADP
cblr-14258	299	21	this	this	DET
cblr-14258	299	22	test	test	NOUN
cblr-14258	299	23	“	"	PUNCT
cblr-14258	299	24	wherein	wherein	SCONJ
cblr-14258	299	25	res	re	NOUN
cblr-14258	299	26	judicata	judicata	NOUN
cblr-14258	299	27	was	be	AUX
cblr-14258	299	28	acknowledged	acknowledge	VERB
cblr-14258	299	29	to	to	PART
cblr-14258	299	30	be	be	AUX
cblr-14258	299	31	a	a	DET
cblr-14258	299	32	bar	bar	NOUN
cblr-14258	299	33	to	to	ADP
cblr-14258	299	34	the	the	DET
cblr-14258	299	35	[	[	X
cblr-14258	299	36	retroactive	retroactive	NOUN
cblr-14258	299	37	]	]	X
cblr-14258	299	38	application	application	NOUN
cblr-14258	299	39	.	.	PUNCT
cblr-14258	300	1	”83	”83	PROPN
cblr-14258	300	2	in	in	ADP
cblr-14258	300	3	short	short	ADJ
cblr-14258	300	4	,	,	PUNCT
cblr-14258	300	5	like	like	ADP
cblr-14258	300	6	the	the	DET
cblr-14258	300	7	vested	vested	ADJ
cblr-14258	300	8	rights	right	NOUN
cblr-14258	300	9	established	establish	VERB
cblr-14258	300	10	by	by	ADP
cblr-14258	300	11	prior	prior	ADJ
cblr-14258	300	12	court	court	NOUN
cblr-14258	300	13	decisions	decision	NOUN
cblr-14258	300	14	,	,	PUNCT
cblr-14258	300	15	if	if	SCONJ
cblr-14258	300	16	there	there	PRON
cblr-14258	300	17	has	have	AUX
cblr-14258	300	18	already	already	ADV
cblr-14258	300	19	been	be	AUX
cblr-14258	300	20	a	a	DET
cblr-14258	300	21	judgment	judgment	NOUN
cblr-14258	300	22	entered	enter	VERB
cblr-14258	300	23	that	that	PRON
cblr-14258	300	24	is	be	AUX
cblr-14258	300	25	“	"	PUNCT
cblr-14258	300	26	not	not	PART
cblr-14258	300	27	reviewable	reviewable	ADJ
cblr-14258	300	28	by	by	ADP
cblr-14258	300	29	a	a	DET
cblr-14258	300	30	higher	high	ADJ
cblr-14258	300	31	court	court	NOUN
cblr-14258	300	32	,	,	PUNCT
cblr-14258	300	33	”	"	PUNCT
cblr-14258	300	34	the	the	DET
cblr-14258	300	35	plaintiff	plaintiff	NOUN
cblr-14258	300	36	would	would	AUX
cblr-14258	300	37	have	have	AUX
cblr-14258	300	38	already	already	ADV
cblr-14258	300	39	accrued	accrue	VERB
cblr-14258	300	40	a	a	DET
cblr-14258	300	41	vested	vested	ADJ
cblr-14258	300	42	right	right	NOUN
cblr-14258	300	43	that	that	PRON
cblr-14258	300	44	can	can	AUX
cblr-14258	300	45	not	not	PART
cblr-14258	300	46	be	be	AUX
cblr-14258	300	47	impaired	impair	VERB
cblr-14258	300	48	by	by	ADP
cblr-14258	300	49	retroactive	retroactive	ADJ
cblr-14258	300	50	application.84	application.84	PROPN
cblr-14258	300	51	since	since	SCONJ
cblr-14258	300	52	gawloski	gawloski	NOUN
cblr-14258	300	53	involved	involve	VERB
cblr-14258	300	54	such	such	DET
cblr-14258	300	55	a	a	DET
cblr-14258	300	56	“	"	PUNCT
cblr-14258	300	57	final	final	ADJ
cblr-14258	300	58	order	order	NOUN
cblr-14258	300	59	exception	exception	NOUN
cblr-14258	300	60	,	,	PUNCT
cblr-14258	300	61	”	"	PUNCT
cblr-14258	300	62	the	the	DET
cblr-14258	300	63	court	court	NOUN
cblr-14258	300	64	did	do	AUX
cblr-14258	300	65	not	not	PART
cblr-14258	300	66	feel	feel	VERB
cblr-14258	300	67	the	the	DET
cblr-14258	300	68	need	need	NOUN
cblr-14258	300	69	to	to	PART
cblr-14258	300	70	address	address	VERB
cblr-14258	300	71	the	the	DET
cblr-14258	300	72	rational	rational	ADJ
cblr-14258	300	73	basis	basis	NOUN
cblr-14258	300	74	test	test	NOUN
cblr-14258	300	75	,	,	PUNCT
cblr-14258	300	76	and	and	CCONJ
cblr-14258	300	77	it	it	PRON
cblr-14258	300	78	deemed	deem	VERB
cblr-14258	300	79	retroactive	retroactive	ADJ
cblr-14258	300	80	application	application	NOUN
cblr-14258	300	81	of	of	ADP
cblr-14258	300	82	fapa	fapa	NOUN
cblr-14258	300	83	violative	violative	ADJ
cblr-14258	300	84	of	of	ADP
cblr-14258	300	85	the	the	DET
cblr-14258	300	86	due	due	ADJ
cblr-14258	300	87	process	process	NOUN
cblr-14258	300	88	rights	right	NOUN
cblr-14258	300	89	under	under	ADP
cblr-14258	300	90	the	the	DET
cblr-14258	300	91	constitution.85	constitution.85	NOUN
cblr-14258	300	92	it	it	PRON
cblr-14258	300	93	is	be	AUX
cblr-14258	300	94	also	also	ADV
cblr-14258	300	95	important	important	ADJ
cblr-14258	300	96	to	to	PART
cblr-14258	300	97	note	note	VERB
cblr-14258	300	98	that	that	SCONJ
cblr-14258	300	99	in	in	ADP
cblr-14258	300	100	gawlowski	gawlowski	PROPN
cblr-14258	300	101	,	,	PUNCT
cblr-14258	300	102	the	the	DET
cblr-14258	300	103	suffolk	suffolk	PROPN
cblr-14258	300	104	county	county	PROPN
cblr-14258	300	105	supreme	supreme	PROPN
cblr-14258	300	106	court	court	PROPN
cblr-14258	300	107	further	far	ADV
cblr-14258	300	108	justified	justify	VERB
cblr-14258	300	109	the	the	DET
cblr-14258	300	110	final	final	ADJ
cblr-14258	300	111	order	order	NOUN
cblr-14258	300	112	exception	exception	NOUN
cblr-14258	300	113	by	by	ADP
cblr-14258	300	114	discussing	discuss	VERB
cblr-14258	300	115	the	the	DET
cblr-14258	300	116	separation	separation	NOUN
cblr-14258	300	117	of	of	ADP
cblr-14258	300	118	powers	power	NOUN
cblr-14258	300	119	doctrine	doctrine	NOUN
cblr-14258	300	120	embedded	embed	VERB
cblr-14258	300	121	in	in	ADP
cblr-14258	300	122	the	the	DET
cblr-14258	300	123	state	state	NOUN
cblr-14258	300	124	and	and	CCONJ
cblr-14258	300	125	federal	federal	ADJ
cblr-14258	300	126	constitution	constitution	NOUN
cblr-14258	300	127	.	.	PUNCT
cblr-14258	301	1	the	the	DET
cblr-14258	301	2	doctrine	doctrine	NOUN
cblr-14258	301	3	prevents	prevent	VERB
cblr-14258	301	4	“	"	PUNCT
cblr-14258	301	5	[	[	X
cblr-14258	301	6	t]he	t]he	ADV
cblr-14258	301	7	accumulation	accumulation	NOUN
cblr-14258	301	8	of	of	ADP
cblr-14258	301	9	all	all	DET
cblr-14258	301	10	powers	power	NOUN
cblr-14258	301	11	,	,	PUNCT
cblr-14258	301	12	legislative	legislative	ADJ
cblr-14258	301	13	,	,	PUNCT
cblr-14258	301	14	executive	executive	NOUN
cblr-14258	301	15	,	,	PUNCT
cblr-14258	301	16	and	and	CCONJ
cblr-14258	301	17	judiciary	judiciary	NOUN
cblr-14258	301	18	,	,	PUNCT
cblr-14258	301	19	in	in	ADP
cblr-14258	301	20	the	the	DET
cblr-14258	301	21	same	same	ADJ
cblr-14258	301	22	hands	hand	NOUN
cblr-14258	301	23	”	"	PUNCT
cblr-14258	301	24	within	within	ADP
cblr-14258	301	25	the	the	DET
cblr-14258	301	26	government	government	NOUN
cblr-14258	301	27	by	by	ADP
cblr-14258	301	28	precluding	preclude	VERB
cblr-14258	301	29	the	the	DET
cblr-14258	301	30	legislature	legislature	NOUN
cblr-14258	301	31	from	from	ADP
cblr-14258	301	32	readjudicating	readjudicate	VERB
cblr-14258	301	33	controversies	controversy	NOUN
cblr-14258	301	34	that	that	PRON
cblr-14258	301	35	have	have	AUX
cblr-14258	301	36	been	be	AUX
cblr-14258	301	37	litigated	litigate	VERB
cblr-14258	301	38	in	in	ADP
cblr-14258	301	39	the	the	DET
cblr-14258	301	40	courts	court	NOUN
cblr-14258	301	41	and	and	CCONJ
cblr-14258	301	42	resolved	resolve	VERB
cblr-14258	301	43	by	by	ADP
cblr-14258	301	44	final	final	ADJ
cblr-14258	301	45	judicial	judicial	ADJ
cblr-14258	301	46	judgment.86	judgment.86	NOUN
cblr-14258	301	47	the	the	DET
cblr-14258	301	48	court	court	NOUN
cblr-14258	301	49	of	of	ADP
cblr-14258	301	50	appeals	appeals	PROPN
cblr-14258	301	51	has	have	AUX
cblr-14258	301	52	repeatedly	repeatedly	ADV
cblr-14258	301	53	held	hold	VERB
cblr-14258	301	54	that	that	SCONJ
cblr-14258	301	55	the	the	DET
cblr-14258	301	56	legislature	legislature	NOUN
cblr-14258	301	57	could	could	AUX
cblr-14258	301	58	not	not	PART
cblr-14258	301	59	annul	annul	VERB
cblr-14258	301	60	an	an	DET
cblr-14258	301	61	“	"	PUNCT
cblr-14258	301	62	existing	exist	VERB
cblr-14258	301	63	complete	complete	ADJ
cblr-14258	301	64	and	and	CCONJ
cblr-14258	301	65	final	final	ADJ
cblr-14258	301	66	judgment	judgment	NOUN
cblr-14258	301	67	.	.	PUNCT
cblr-14258	302	1	”87	”87	PROPN
cblr-14258	302	2	applying	apply	VERB
cblr-14258	302	3	this	this	DET
cblr-14258	302	4	doctrine	doctrine	NOUN
cblr-14258	302	5	to	to	ADP
cblr-14258	302	6	fapa	fapa	VERB
cblr-14258	302	7	,	,	PUNCT
cblr-14258	302	8	the	the	DET
cblr-14258	302	9	suffolk	suffolk	PROPN
cblr-14258	302	10	county	county	PROPN
cblr-14258	302	11	court	court	NOUN
cblr-14258	302	12	found	find	VERB
cblr-14258	302	13	it	it	PRON
cblr-14258	302	14	“	"	PUNCT
cblr-14258	302	15	impossible	impossible	ADJ
cblr-14258	302	16	to	to	PART
cblr-14258	302	17	construe	construe	VERB
cblr-14258	302	18	”	"	PUNCT
cblr-14258	302	19	the	the	DET
cblr-14258	302	20	language	language	NOUN
cblr-14258	302	21	in	in	ADP
cblr-14258	302	22	fapa	fapa	NOUN
cblr-14258	302	23	section	section	NOUN
cblr-14258	302	24	10	10	NUM
cblr-14258	302	25	“	"	PUNCT
cblr-14258	302	26	in	in	ADP
cblr-14258	302	27	any	any	DET
cblr-14258	302	28	manner	manner	NOUN
cblr-14258	302	29	which	which	PRON
cblr-14258	302	30	is	be	AUX
cblr-14258	302	31	compatible	compatible	ADJ
cblr-14258	302	32	with	with	ADP
cblr-14258	302	33	the	the	DET
cblr-14258	302	34	res	re	NOUN
cblr-14258	302	35	judicata	judicata	NOUN
cblr-14258	302	36	concept	concept	NOUN
cblr-14258	302	37	of	of	ADP
cblr-14258	302	38	‘	'	PUNCT
cblr-14258	302	39	final	final	ADJ
cblr-14258	302	40	order	order	NOUN
cblr-14258	302	41	or	or	CCONJ
cblr-14258	302	42	judgment	judgment	NOUN
cblr-14258	302	43	,	,	PUNCT
cblr-14258	302	44	’	'	PUNCT
cblr-14258	302	45	”	"	PUNCT
cblr-14258	302	46	and	and	CCONJ
cblr-14258	302	47	found	find	VERB
cblr-14258	302	48	that	that	SCONJ
cblr-14258	302	49	such	such	ADJ
cblr-14258	302	50	language	language	NOUN
cblr-14258	302	51	leads	lead	VERB
cblr-14258	302	52	to	to	ADP
cblr-14258	302	53	legislature	legislature	NOUN
cblr-14258	302	54	’s	’s	PART
cblr-14258	302	55	attempts	attempt	NOUN
cblr-14258	302	56	to	to	PART
cblr-14258	302	57	undermine	undermine	VERB
cblr-14258	302	58	judicial	judicial	ADJ
cblr-14258	302	59	decision	decision	NOUN
cblr-14258	302	60	making	make	VERB
cblr-14258	302	61	with	with	ADP
cblr-14258	302	62	ease.88	ease.88	NOUN
cblr-14258	302	63	in	in	ADP
cblr-14258	302	64	other	other	ADJ
cblr-14258	302	65	words	word	NOUN
cblr-14258	302	66	,	,	PUNCT
cblr-14258	302	67	the	the	DET
cblr-14258	302	68	enforcement	enforcement	NOUN
cblr-14258	302	69	of	of	ADP
cblr-14258	302	70	a	a	DET
cblr-14258	302	71	final	final	ADJ
cblr-14258	302	72	83	83	NUM
cblr-14258	302	73	wilmington	wilmington	NOUN
cblr-14258	302	74	tr	tr	VERB
cblr-14258	302	75	.	.	PROPN
cblr-14258	302	76	,	,	PUNCT
cblr-14258	302	77	n.a	n.a	PROPN
cblr-14258	302	78	.	.	PROPN
cblr-14258	303	1	v.	v.	PROPN
cblr-14258	303	2	gawlowski	gawlowski	PROPN
cblr-14258	303	3	,	,	PUNCT
cblr-14258	303	4	201	201	NUM
cblr-14258	303	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	303	6	605	605	NUM
cblr-14258	303	7	,	,	PUNCT
cblr-14258	303	8	610	610	NUM
cblr-14258	303	9	(	(	PUNCT
cblr-14258	303	10	n.y	n.y	PROPN
cblr-14258	303	11	.	.	PROPN
cblr-14258	303	12	sup	sup	PROPN
cblr-14258	303	13	.	.	PUNCT
cblr-14258	304	1	ct	ct	NUM
cblr-14258	304	2	.	.	PROPN
cblr-14258	304	3	2023	2023	NUM
cblr-14258	304	4	)	)	PUNCT
cblr-14258	304	5	.	.	PUNCT
cblr-14258	305	1	84	84	NUM
cblr-14258	306	1	i	i	PRON
cblr-14258	306	2	d.	d.	PROPN
cblr-14258	306	3	85	85	NUM
cblr-14258	307	1	i	i	PRON
cblr-14258	307	2	d.	d.	PROPN
cblr-14258	307	3	86	86	NUM
cblr-14258	308	1	i	i	PRON
cblr-14258	308	2	d.	d.	PROPN
cblr-14258	308	3	at	at	ADP
cblr-14258	308	4	611	611	NUM
cblr-14258	308	5	(	(	PUNCT
cblr-14258	308	6	quoting	quote	VERB
cblr-14258	308	7	the	the	DET
cblr-14258	308	8	federalist	federalist	NOUN
cblr-14258	308	9	no	no	NOUN
cblr-14258	308	10	.	.	PROPN
cblr-14258	308	11	47	47	NUM
cblr-14258	308	12	,	,	PUNCT
cblr-14258	308	13	at	at	ADP
cblr-14258	308	14	301	301	NUM
cblr-14258	308	15	(	(	PUNCT
cblr-14258	308	16	james	james	PROPN
cblr-14258	308	17	madison	madison	PROPN
cblr-14258	308	18	)	)	PUNCT
cblr-14258	308	19	(	(	PUNCT
cblr-14258	308	20	clinton	clinton	PROPN
cblr-14258	308	21	rossiter	rossiter	PROPN
cblr-14258	308	22	ed	ed	PROPN
cblr-14258	308	23	.	.	PROPN
cblr-14258	308	24	,	,	PUNCT
cblr-14258	308	25	1961	1961	NUM
cblr-14258	308	26	)	)	PUNCT
cblr-14258	308	27	and	and	CCONJ
cblr-14258	308	28	16	16	NUM
cblr-14258	308	29	am	am	NOUN
cblr-14258	308	30	.	.	PUNCT
cblr-14258	309	1	juris	juris	PROPN
cblr-14258	309	2	.	.	PUNCT
cblr-14258	310	1	2d	2d	PROPN
cblr-14258	310	2	const’l	const’l	VERB
cblr-14258	310	3	l.	l.	PROPN
cblr-14258	310	4	,	,	PUNCT
cblr-14258	310	5	legislative	legislative	ADJ
cblr-14258	310	6	interference	interference	NOUN
cblr-14258	310	7	in	in	ADP
cblr-14258	310	8	litigation	litigation	NOUN
cblr-14258	310	9	,	,	PUNCT
cblr-14258	310	10	§	§	PROPN
cblr-14258	310	11	300	300	NUM
cblr-14258	310	12	)	)	PUNCT
cblr-14258	310	13	.	.	PUNCT
cblr-14258	311	1	87	87	NUM
cblr-14258	312	1	i	i	PRON
cblr-14258	312	2	d.	d.	PROPN
cblr-14258	312	3	at	at	ADP
cblr-14258	312	4	612	612	NUM
cblr-14258	312	5	;	;	PUNCT
cblr-14258	312	6	see	see	VERB
cblr-14258	312	7	generally	generally	ADV
cblr-14258	312	8	,	,	PUNCT
cblr-14258	312	9	burch	burch	PROPN
cblr-14258	312	10	v.	v.	PROPN
cblr-14258	312	11	newbury	newbury	PROPN
cblr-14258	312	12	,	,	PUNCT
cblr-14258	312	13	10	10	NUM
cblr-14258	312	14	n.y	n.y	PROPN
cblr-14258	312	15	.	.	PROPN
cblr-14258	312	16	374	374	NUM
cblr-14258	312	17	(	(	PUNCT
cblr-14258	312	18	1852	1852	NUM
cblr-14258	312	19	)	)	PUNCT
cblr-14258	312	20	.	.	PUNCT
cblr-14258	313	1	88	88	NUM
cblr-14258	313	2	gawlowski	gawlowski	NOUN
cblr-14258	313	3	,	,	PUNCT
cblr-14258	313	4	201	201	NUM
cblr-14258	313	5	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	313	6	at	at	ADP
cblr-14258	313	7	612	612	NUM
cblr-14258	313	8	(	(	PUNCT
cblr-14258	313	9	the	the	DET
cblr-14258	313	10	court	court	NOUN
cblr-14258	313	11	specifically	specifically	ADV
cblr-14258	313	12	focused	focus	VERB
cblr-14258	313	13	on	on	ADP
cblr-14258	313	14	the	the	DET
cblr-14258	313	15	language	language	NOUN
cblr-14258	313	16	“	"	PUNCT
cblr-14258	313	17	final	final	ADJ
cblr-14258	313	18	judgment	judgment	NOUN
cblr-14258	313	19	of	of	ADP
cblr-14258	313	20	foreclosure	foreclosure	NOUN
cblr-14258	313	21	and	and	CCONJ
cblr-14258	313	22	sale	sale	NOUN
cblr-14258	313	23	is	be	AUX
cblr-14258	313	24	enforced	enforce	VERB
cblr-14258	313	25	”	"	PUNCT
cblr-14258	313	26	)	)	PUNCT
cblr-14258	313	27	.	.	PUNCT
cblr-14258	314	1	636	636	NUM
cblr-14258	314	2	columbia	columbia	PROPN
cblr-14258	314	3	business	business	NOUN
cblr-14258	314	4	law	law	PROPN
cblr-14258	314	5	review	review	NOUN
cblr-14258	314	6	[	[	X
cblr-14258	314	7	vol	vol	NOUN
cblr-14258	314	8	.	.	PUNCT
cblr-14258	314	9	2025	2025	NUM
cblr-14258	314	10	jfs	jfs	NOUN
cblr-14258	314	11	can	can	AUX
cblr-14258	314	12	occur	occur	VERB
cblr-14258	314	13	after	after	SCONJ
cblr-14258	314	14	a	a	DET
cblr-14258	314	15	res	re	NOUN
cblr-14258	314	16	judicata	judicata	NOUN
cblr-14258	314	17	concept	concept	NOUN
cblr-14258	314	18	of	of	ADP
cblr-14258	314	19	final	final	ADJ
cblr-14258	314	20	judgment	judgment	NOUN
cblr-14258	314	21	is	be	AUX
cblr-14258	314	22	issued	issue	VERB
cblr-14258	314	23	,	,	PUNCT
cblr-14258	314	24	and	and	CCONJ
cblr-14258	314	25	section	section	NOUN
cblr-14258	314	26	10	10	NUM
cblr-14258	314	27	’s	’s	PART
cblr-14258	314	28	language	language	NOUN
cblr-14258	314	29	technically	technically	ADV
cblr-14258	314	30	allows	allow	VERB
cblr-14258	314	31	retroactive	retroactive	ADJ
cblr-14258	314	32	application	application	NOUN
cblr-14258	314	33	to	to	PART
cblr-14258	314	34	potentially	potentially	ADV
cblr-14258	314	35	alter	alter	VERB
cblr-14258	314	36	the	the	DET
cblr-14258	314	37	final	final	ADJ
cblr-14258	314	38	judgments	judgment	NOUN
cblr-14258	314	39	in	in	ADP
cblr-14258	314	40	such	such	ADJ
cblr-14258	314	41	cases	case	NOUN
cblr-14258	314	42	.	.	PUNCT
cblr-14258	315	1	thus	thus	ADV
cblr-14258	315	2	,	,	PUNCT
cblr-14258	315	3	the	the	DET
cblr-14258	315	4	court	court	NOUN
cblr-14258	315	5	declared	declare	VERB
cblr-14258	315	6	that	that	SCONJ
cblr-14258	315	7	section	section	NOUN
cblr-14258	315	8	10	10	NUM
cblr-14258	315	9	is	be	AUX
cblr-14258	315	10	a	a	DET
cblr-14258	315	11	clear	clear	ADJ
cblr-14258	315	12	violation	violation	NOUN
cblr-14258	315	13	of	of	ADP
cblr-14258	315	14	the	the	DET
cblr-14258	315	15	state	state	NOUN
cblr-14258	315	16	and	and	CCONJ
cblr-14258	315	17	federal	federal	ADJ
cblr-14258	315	18	constitution	constitution	NOUN
cblr-14258	315	19	“	"	PUNCT
cblr-14258	315	20	in	in	ADP
cblr-14258	315	21	any	any	DET
cblr-14258	315	22	proceeding	proceeding	NOUN
cblr-14258	315	23	,	,	PUNCT
cblr-14258	315	24	”	"	PUNCT
cblr-14258	315	25	that	that	PRON
cblr-14258	315	26	involves	involve	VERB
cblr-14258	315	27	“	"	PUNCT
cblr-14258	315	28	relitigation	relitigation	NOUN
cblr-14258	315	29	of	of	ADP
cblr-14258	315	30	a	a	DET
cblr-14258	315	31	final	final	ADJ
cblr-14258	315	32	order	order	NOUN
cblr-14258	315	33	,	,	PUNCT
cblr-14258	315	34	”	"	PUNCT
cblr-14258	315	35	as	as	ADP
cblr-14258	315	36	in	in	ADP
cblr-14258	315	37	gawlowski.89	gawlowski.89	NOUN
cblr-14258	315	38	the	the	DET
cblr-14258	315	39	subsequent	subsequent	ADJ
cblr-14258	315	40	line	line	NOUN
cblr-14258	315	41	of	of	ADP
cblr-14258	315	42	cases	case	NOUN
cblr-14258	315	43	in	in	ADP
cblr-14258	315	44	suffolk	suffolk	PROPN
cblr-14258	315	45	county	county	PROPN
cblr-14258	315	46	has	have	AUX
cblr-14258	315	47	followed	follow	VERB
cblr-14258	315	48	suit.90	suit.90	NUM
cblr-14258	315	49	finally	finally	ADV
cblr-14258	315	50	,	,	PUNCT
cblr-14258	315	51	mortgagees	mortgagee	NOUN
cblr-14258	315	52	have	have	AUX
cblr-14258	315	53	often	often	ADV
cblr-14258	315	54	argued	argue	VERB
cblr-14258	315	55	that	that	SCONJ
cblr-14258	315	56	fapa	fapa	NOUN
cblr-14258	315	57	’s	’s	PART
cblr-14258	315	58	retroactive	retroactive	ADJ
cblr-14258	315	59	application	application	NOUN
cblr-14258	315	60	would	would	AUX
cblr-14258	315	61	violate	violate	VERB
cblr-14258	315	62	the	the	DET
cblr-14258	315	63	takings	taking	NOUN
cblr-14258	315	64	clause	clause	NOUN
cblr-14258	315	65	of	of	ADP
cblr-14258	315	66	the	the	DET
cblr-14258	315	67	constitution	constitution	NOUN
cblr-14258	315	68	.	.	PUNCT
cblr-14258	316	1	lengthy	lengthy	ADJ
cblr-14258	316	2	discussion	discussion	NOUN
cblr-14258	316	3	of	of	ADP
cblr-14258	316	4	the	the	DET
cblr-14258	316	5	cases	case	NOUN
cblr-14258	316	6	here	here	ADV
cblr-14258	316	7	would	would	AUX
cblr-14258	316	8	be	be	AUX
cblr-14258	316	9	redundant	redundant	ADJ
cblr-14258	316	10	since	since	SCONJ
cblr-14258	316	11	the	the	DET
cblr-14258	316	12	courts	court	NOUN
cblr-14258	316	13	have	have	AUX
cblr-14258	316	14	largely	largely	ADV
cblr-14258	316	15	incorporated	incorporate	VERB
cblr-14258	316	16	the	the	DET
cblr-14258	316	17	takings	taking	NOUN
cblr-14258	316	18	clause	clause	NOUN
cblr-14258	316	19	analysis	analysis	NOUN
cblr-14258	316	20	within	within	ADP
cblr-14258	316	21	the	the	DET
cblr-14258	316	22	vested	vested	ADJ
cblr-14258	316	23	rights	right	NOUN
cblr-14258	316	24	analysis	analysis	NOUN
cblr-14258	316	25	.	.	PUNCT
cblr-14258	317	1	for	for	ADP
cblr-14258	317	2	instance	instance	NOUN
cblr-14258	317	3	,	,	PUNCT
cblr-14258	317	4	the	the	DET
cblr-14258	317	5	court	court	NOUN
cblr-14258	317	6	in	in	ADP
cblr-14258	317	7	miele	miele	PROPN
cblr-14258	317	8	reasoned	reason	VERB
cblr-14258	317	9	that	that	SCONJ
cblr-14258	317	10	fapa	fapa	NOUN
cblr-14258	317	11	’s	’s	PART
cblr-14258	317	12	retroactive	retroactive	ADJ
cblr-14258	317	13	application	application	NOUN
cblr-14258	317	14	in	in	ADP
cblr-14258	317	15	that	that	DET
cblr-14258	317	16	case	case	NOUN
cblr-14258	317	17	would	would	AUX
cblr-14258	317	18	not	not	PART
cblr-14258	317	19	violate	violate	VERB
cblr-14258	317	20	the	the	DET
cblr-14258	317	21	takings	taking	NOUN
cblr-14258	317	22	clause	clause	NOUN
cblr-14258	317	23	because	because	SCONJ
cblr-14258	317	24	the	the	DET
cblr-14258	317	25	mortgagee	mortgagee	NOUN
cblr-14258	317	26	had	have	AUX
cblr-14258	317	27	not	not	PART
cblr-14258	317	28	identified	identify	VERB
cblr-14258	317	29	any	any	DET
cblr-14258	317	30	vested	vested	ADJ
cblr-14258	317	31	property	property	NOUN
cblr-14258	317	32	rights	right	NOUN
cblr-14258	317	33	from	from	ADP
cblr-14258	317	34	prior	prior	ADJ
cblr-14258	317	35	court	court	NOUN
cblr-14258	317	36	decisions	decision	NOUN
cblr-14258	317	37	,	,	PUNCT
cblr-14258	317	38	so	so	CCONJ
cblr-14258	317	39	no	no	DET
cblr-14258	317	40	private	private	ADJ
cblr-14258	317	41	property	property	NOUN
cblr-14258	317	42	was	be	AUX
cblr-14258	317	43	taken	take	VERB
cblr-14258	317	44	without	without	ADP
cblr-14258	317	45	just	just	ADV
cblr-14258	317	46	compensation.91	compensation.91	PROPN
cblr-14258	317	47	nonetheless	nonetheless	ADV
cblr-14258	317	48	,	,	PUNCT
cblr-14258	317	49	what	what	PRON
cblr-14258	317	50	creates	create	VERB
cblr-14258	317	51	or	or	CCONJ
cblr-14258	317	52	constitutes	constitute	VERB
cblr-14258	317	53	vested	vested	ADJ
cblr-14258	317	54	property	property	NOUN
cblr-14258	317	55	rights	right	NOUN
cblr-14258	317	56	,	,	PUNCT
cblr-14258	317	57	as	as	SCONJ
cblr-14258	317	58	discussed	discuss	VERB
cblr-14258	317	59	earlier	early	ADV
cblr-14258	317	60	,	,	PUNCT
cblr-14258	317	61	remains	remain	VERB
cblr-14258	317	62	somewhat	somewhat	ADV
cblr-14258	317	63	ambiguous	ambiguous	ADJ
cblr-14258	317	64	.	.	PUNCT
cblr-14258	318	1	d.	d.	PROPN
cblr-14258	318	2	federal	federal	PROPN
cblr-14258	318	3	court	court	PROPN
cblr-14258	318	4	cases	case	NOUN
cblr-14258	318	5	there	there	PRON
cblr-14258	318	6	have	have	AUX
cblr-14258	318	7	been	be	AUX
cblr-14258	318	8	few	few	ADJ
cblr-14258	318	9	federal	federal	ADJ
cblr-14258	318	10	cases	case	NOUN
cblr-14258	318	11	on	on	ADP
cblr-14258	318	12	the	the	DET
cblr-14258	318	13	retroactive	retroactive	ADJ
cblr-14258	318	14	application	application	NOUN
cblr-14258	318	15	of	of	ADP
cblr-14258	318	16	this	this	DET
cblr-14258	318	17	relatively	relatively	ADV
cblr-14258	318	18	new	new	ADJ
cblr-14258	318	19	state	state	NOUN
cblr-14258	318	20	law	law	NOUN
cblr-14258	318	21	.	.	PUNCT
cblr-14258	319	1	in	in	ADP
cblr-14258	319	2	the	the	DET
cblr-14258	319	3	small	small	ADJ
cblr-14258	319	4	number	number	NOUN
cblr-14258	319	5	of	of	ADP
cblr-14258	319	6	cases	case	NOUN
cblr-14258	319	7	brought	bring	VERB
cblr-14258	319	8	under	under	ADP
cblr-14258	319	9	diversity	diversity	NOUN
cblr-14258	319	10	jurisdiction	jurisdiction	NOUN
cblr-14258	319	11	,	,	PUNCT
cblr-14258	319	12	the	the	DET
cblr-14258	319	13	federal	federal	ADJ
cblr-14258	319	14	district	district	NOUN
cblr-14258	319	15	court	court	NOUN
cblr-14258	319	16	in	in	ADP
cblr-14258	319	17	the	the	DET
cblr-14258	319	18	eastern	eastern	ADJ
cblr-14258	319	19	district	district	NOUN
cblr-14258	319	20	of	of	ADP
cblr-14258	319	21	new	new	PROPN
cblr-14258	319	22	york	york	PROPN
cblr-14258	319	23	has	have	AUX
cblr-14258	319	24	largely	largely	ADV
cblr-14258	319	25	aligned	align	VERB
cblr-14258	319	26	its	its	PRON
cblr-14258	319	27	opinions	opinion	NOUN
cblr-14258	319	28	towards	towards	ADP
cblr-14258	319	29	the	the	DET
cblr-14258	319	30	limited	limited	ADJ
cblr-14258	319	31	precedents	precedent	NOUN
cblr-14258	319	32	of	of	ADP
cblr-14258	319	33	the	the	DET
cblr-14258	319	34	new	new	PROPN
cblr-14258	319	35	york	york	PROPN
cblr-14258	319	36	supreme	supreme	PROPN
cblr-14258	319	37	court	court	PROPN
cblr-14258	319	38	.	.	PUNCT
cblr-14258	320	1	for	for	ADP
cblr-14258	320	2	example	example	NOUN
cblr-14258	320	3	,	,	PUNCT
cblr-14258	320	4	in	in	ADP
cblr-14258	320	5	article	article	NOUN
cblr-14258	320	6	13	13	NUM
cblr-14258	320	7	,	,	PUNCT
cblr-14258	320	8	llc	llc	PROPN
cblr-14258	320	9	v.	v.	PROPN
cblr-14258	320	10	ponce	ponce	PROPN
cblr-14258	320	11	de	de	PROPN
cblr-14258	320	12	leon	leon	PROPN
cblr-14258	320	13	federal	federal	PROPN
cblr-14258	320	14	bank	bank	PROPN
cblr-14258	320	15	,	,	PUNCT
cblr-14258	320	16	the	the	DET
cblr-14258	320	17	defendant	defendant	NOUN
cblr-14258	320	18	-	-	PUNCT
cblr-14258	320	19	mortgagee	mortgagee	PROPN
cblr-14258	320	20	argued	argue	VERB
cblr-14258	320	21	that	that	SCONJ
cblr-14258	320	22	fapa	fapa	NOUN
cblr-14258	320	23	’s	’s	PART
cblr-14258	320	24	retroactive	retroactive	ADJ
cblr-14258	320	25	application	application	NOUN
cblr-14258	320	26	,	,	PUNCT
cblr-14258	320	27	which	which	PRON
cblr-14258	320	28	was	be	AUX
cblr-14258	320	29	warranted	warrant	VERB
cblr-14258	320	30	in	in	ADP
cblr-14258	320	31	this	this	DET
cblr-14258	320	32	pending	pende	VERB
cblr-14258	320	33	action	action	NOUN
cblr-14258	320	34	after	after	ADP
cblr-14258	320	35	prior	prior	ADJ
cblr-14258	320	36	denials	denial	NOUN
cblr-14258	320	37	of	of	ADP
cblr-14258	320	38	both	both	DET
cblr-14258	320	39	parties	party	NOUN
cblr-14258	320	40	’	'	PUNCT
cblr-14258	320	41	motion	motion	NOUN
cblr-14258	320	42	for	for	ADP
cblr-14258	320	43	summary	summary	NOUN
cblr-14258	320	44	judgment	judgment	NOUN
cblr-14258	320	45	,	,	PUNCT
cblr-14258	320	46	would	would	AUX
cblr-14258	320	47	violate	violate	VERB
cblr-14258	320	48	its	its	PRON
cblr-14258	320	49	due	due	ADJ
cblr-14258	320	50	89	89	NUM
cblr-14258	320	51	i	i	PROPN
cblr-14258	320	52	d.	d.	PROPN
cblr-14258	320	53	(	(	PUNCT
cblr-14258	320	54	emphasis	emphasis	NOUN
cblr-14258	320	55	added	add	VERB
cblr-14258	320	56	)	)	PUNCT
cblr-14258	320	57	.	.	PUNCT
cblr-14258	321	1	90	90	NUM
cblr-14258	321	2	see	see	VERB
cblr-14258	321	3	,	,	PUNCT
cblr-14258	321	4	e.g.	e.g.	ADV
cblr-14258	321	5	,	,	PUNCT
cblr-14258	321	6	boreshesky	boreshesky	ADV
cblr-14258	321	7	v.	v.	CCONJ
cblr-14258	321	8	u.s	u.s	PROPN
cblr-14258	321	9	.	.	PROPN
cblr-14258	321	10	bank	bank	PROPN
cblr-14258	321	11	tr	tr	VERB
cblr-14258	321	12	.	.	PROPN
cblr-14258	321	13	,	,	PUNCT
cblr-14258	321	14	n.a	n.a	PROPN
cblr-14258	321	15	.	.	PROPN
cblr-14258	321	16	,	,	PUNCT
cblr-14258	321	17	199	199	NUM
cblr-14258	321	18	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	321	19	860	860	NUM
cblr-14258	321	20	,	,	PUNCT
cblr-14258	321	21	863	863	NUM
cblr-14258	321	22	(	(	PUNCT
cblr-14258	321	23	n.y	n.y	PROPN
cblr-14258	321	24	.	.	PROPN
cblr-14258	321	25	sup	sup	PROPN
cblr-14258	321	26	.	.	PUNCT
cblr-14258	322	1	ct	ct	NUM
cblr-14258	322	2	.	.	PROPN
cblr-14258	322	3	2023	2023	NUM
cblr-14258	322	4	)	)	PUNCT
cblr-14258	322	5	.	.	PUNCT
cblr-14258	323	1	91	91	NUM
cblr-14258	323	2	u.s	u.s	PROPN
cblr-14258	323	3	.	.	PROPN
cblr-14258	323	4	bank	bank	PROPN
cblr-14258	323	5	tr	tr	VERB
cblr-14258	323	6	.	.	PROPN
cblr-14258	323	7	,	,	PUNCT
cblr-14258	323	8	n.a	n.a	PROPN
cblr-14258	323	9	.	.	PROPN
cblr-14258	324	1	v.	v.	PROPN
cblr-14258	324	2	miele	miele	PROPN
cblr-14258	324	3	,	,	PUNCT
cblr-14258	324	4	197	197	NUM
cblr-14258	324	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	324	6	656	656	NUM
cblr-14258	324	7	,	,	PUNCT
cblr-14258	324	8	669	669	NUM
cblr-14258	324	9	(	(	PUNCT
cblr-14258	324	10	n.y	n.y	PROPN
cblr-14258	324	11	.	.	PROPN
cblr-14258	324	12	sup	sup	PROPN
cblr-14258	324	13	.	.	PUNCT
cblr-14258	325	1	ct	ct	NUM
cblr-14258	325	2	.	.	PROPN
cblr-14258	325	3	2023	2023	NUM
cblr-14258	325	4	)	)	PUNCT
cblr-14258	325	5	.	.	PUNCT
cblr-14258	326	1	no	no	INTJ
cblr-14258	326	2	.	.	NOUN
cblr-14258	326	3	1	1	NUM
cblr-14258	326	4	]	]	PUNCT
cblr-14258	326	5	retroactive	retroactive	ADJ
cblr-14258	326	6	application	application	NOUN
cblr-14258	326	7	of	of	ADP
cblr-14258	326	8	the	the	DET
cblr-14258	326	9	ny	ny	PROPN
cblr-14258	326	10	fapa	fapa	PROPN
cblr-14258	326	11	637	637	NUM
cblr-14258	326	12	process	process	NOUN
cblr-14258	326	13	rights.92	rights.92	NOUN
cblr-14258	326	14	explicitly	explicitly	ADV
cblr-14258	326	15	referencing	reference	VERB
cblr-14258	326	16	miele	miele	PROPN
cblr-14258	326	17	,	,	PUNCT
cblr-14258	326	18	the	the	DET
cblr-14258	326	19	court	court	NOUN
cblr-14258	326	20	reasoned	reason	VERB
cblr-14258	326	21	that	that	SCONJ
cblr-14258	326	22	since	since	SCONJ
cblr-14258	326	23	no	no	DET
cblr-14258	326	24	property	property	NOUN
cblr-14258	326	25	right	right	NOUN
cblr-14258	326	26	has	have	AUX
cblr-14258	326	27	been	be	AUX
cblr-14258	326	28	vested	vest	VERB
cblr-14258	326	29	and	and	CCONJ
cblr-14258	326	30	that	that	SCONJ
cblr-14258	326	31	the	the	DET
cblr-14258	326	32	mortgagee	mortgagee	NOUN
cblr-14258	326	33	did	do	AUX
cblr-14258	326	34	not	not	PART
cblr-14258	326	35	meet	meet	VERB
cblr-14258	326	36	the	the	DET
cblr-14258	326	37	burden	burden	NOUN
cblr-14258	326	38	of	of	ADP
cblr-14258	326	39	showing	show	VERB
cblr-14258	326	40	a	a	DET
cblr-14258	326	41	lack	lack	NOUN
cblr-14258	326	42	of	of	ADP
cblr-14258	326	43	“	"	PUNCT
cblr-14258	326	44	legitimate	legitimate	ADJ
cblr-14258	326	45	legislative	legislative	ADJ
cblr-14258	326	46	purpose	purpose	NOUN
cblr-14258	326	47	furthered	further	VERB
cblr-14258	326	48	by	by	ADP
cblr-14258	326	49	rational	rational	ADJ
cblr-14258	326	50	means	mean	NOUN
cblr-14258	326	51	”	"	PUNCT
cblr-14258	326	52	behind	behind	ADP
cblr-14258	326	53	fapa	fapa	NOUN
cblr-14258	326	54	,	,	PUNCT
cblr-14258	326	55	there	there	PRON
cblr-14258	326	56	would	would	AUX
cblr-14258	326	57	be	be	AUX
cblr-14258	326	58	no	no	DET
cblr-14258	326	59	violation	violation	NOUN
cblr-14258	326	60	of	of	ADP
cblr-14258	326	61	due	due	ADJ
cblr-14258	326	62	process	process	NOUN
cblr-14258	326	63	rights.93	rights.93	NOUN
cblr-14258	326	64	in	in	ADP
cblr-14258	326	65	east	east	PROPN
cblr-14258	326	66	fork	fork	PROPN
cblr-14258	326	67	funding	funding	PROPN
cblr-14258	326	68	llc	llc	PROPN
cblr-14258	326	69	v.	v.	PROPN
cblr-14258	326	70	u.s	u.s	PROPN
cblr-14258	326	71	.	.	PROPN
cblr-14258	326	72	bank	bank	PROPN
cblr-14258	326	73	,	,	PUNCT
cblr-14258	326	74	n.a	n.a	PROPN
cblr-14258	326	75	.	.	PROPN
cblr-14258	326	76	,	,	PUNCT
cblr-14258	326	77	also	also	ADV
cblr-14258	326	78	echoing	echo	VERB
cblr-14258	326	79	miele	miele	PROPN
cblr-14258	326	80	,	,	PUNCT
cblr-14258	326	81	the	the	DET
cblr-14258	326	82	e.d.n.y	e.d.n.y	PROPN
cblr-14258	326	83	.	.	PROPN
cblr-14258	326	84	stated	state	VERB
cblr-14258	326	85	that	that	SCONJ
cblr-14258	326	86	fapa	fapa	PROPN
cblr-14258	326	87	’s	’s	PART
cblr-14258	326	88	retroactive	retroactive	ADJ
cblr-14258	326	89	application	application	NOUN
cblr-14258	326	90	would	would	AUX
cblr-14258	326	91	not	not	PART
cblr-14258	326	92	violate	violate	VERB
cblr-14258	326	93	a	a	DET
cblr-14258	326	94	mortgagee	mortgagee	NOUN
cblr-14258	326	95	’s	’s	PART
cblr-14258	326	96	contract	contract	NOUN
cblr-14258	326	97	rights	right	NOUN
cblr-14258	326	98	when	when	SCONJ
cblr-14258	326	99	there	there	PRON
cblr-14258	326	100	are	be	VERB
cblr-14258	326	101	no	no	DET
cblr-14258	326	102	explicit	explicit	ADJ
cblr-14258	326	103	contractual	contractual	ADJ
cblr-14258	326	104	terms	term	NOUN
cblr-14258	326	105	about	about	ADP
cblr-14258	326	106	the	the	DET
cblr-14258	326	107	deacceleration	deacceleration	NOUN
cblr-14258	326	108	or	or	CCONJ
cblr-14258	326	109	tolling	tolling	NOUN
cblr-14258	326	110	of	of	ADP
cblr-14258	326	111	the	the	DET
cblr-14258	326	112	statute	statute	NOUN
cblr-14258	326	113	of	of	ADP
cblr-14258	326	114	limitations	limitation	NOUN
cblr-14258	326	115	between	between	ADP
cblr-14258	326	116	the	the	DET
cblr-14258	326	117	lender	lender	NOUN
cblr-14258	326	118	and	and	CCONJ
cblr-14258	326	119	borrower	borrower	NOUN
cblr-14258	326	120	in	in	ADP
cblr-14258	326	121	the	the	DET
cblr-14258	326	122	mortgage	mortgage	NOUN
cblr-14258	326	123	agreement,94	agreement,94	NOUN
cblr-14258	326	124	and	and	CCONJ
cblr-14258	326	125	fapa	fapa	NOUN
cblr-14258	326	126	does	do	AUX
cblr-14258	326	127	not	not	PART
cblr-14258	326	128	prohibit	prohibit	VERB
cblr-14258	326	129	“	"	PUNCT
cblr-14258	326	130	the	the	DET
cblr-14258	326	131	parties	party	NOUN
cblr-14258	326	132	from	from	ADP
cblr-14258	326	133	agreeing	agree	VERB
cblr-14258	326	134	in	in	ADP
cblr-14258	326	135	their	their	PRON
cblr-14258	326	136	mortgage	mortgage	NOUN
cblr-14258	326	137	contract	contract	NOUN
cblr-14258	326	138	that	that	SCONJ
cblr-14258	326	139	a	a	DET
cblr-14258	326	140	stipulation	stipulation	NOUN
cblr-14258	326	141	or	or	CCONJ
cblr-14258	326	142	action	action	NOUN
cblr-14258	326	143	will	will	AUX
cblr-14258	326	144	de	de	VERB
cblr-14258	326	145	-	-	VERB
cblr-14258	326	146	accelerate	accelerate	VERB
cblr-14258	326	147	the	the	DET
cblr-14258	326	148	mortgage	mortgage	NOUN
cblr-14258	326	149	and	and	CCONJ
cblr-14258	326	150	reset	reset	VERB
cblr-14258	326	151	the	the	DET
cblr-14258	326	152	statute	statute	NOUN
cblr-14258	326	153	of	of	ADP
cblr-14258	326	154	limitations	limitation	NOUN
cblr-14258	326	155	;	;	PUNCT
cblr-14258	326	156	”	"	PUNCT
cblr-14258	326	157	fapa	fapa	NOUN
cblr-14258	326	158	only	only	ADV
cblr-14258	326	159	prohibits	prohibit	VERB
cblr-14258	326	160	the	the	DET
cblr-14258	326	161	mortgagee	mortgagee	NOUN
cblr-14258	326	162	from	from	ADP
cblr-14258	326	163	unilaterally	unilaterally	ADV
cblr-14258	326	164	resetting	reset	VERB
cblr-14258	326	165	or	or	CCONJ
cblr-14258	326	166	tolling	toll	VERB
cblr-14258	326	167	the	the	DET
cblr-14258	326	168	statute	statute	NOUN
cblr-14258	326	169	of	of	ADP
cblr-14258	326	170	limitations	limitation	NOUN
cblr-14258	326	171	,	,	PUNCT
cblr-14258	326	172	not	not	PART
cblr-14258	326	173	contractual	contractual	ADJ
cblr-14258	326	174	agreements	agreement	NOUN
cblr-14258	326	175	on	on	ADP
cblr-14258	326	176	such	such	ADJ
cblr-14258	326	177	issues	issue	NOUN
cblr-14258	326	178	in	in	ADP
cblr-14258	326	179	express	express	ADJ
cblr-14258	326	180	terms.95	terms.95	NOUN
cblr-14258	326	181	outside	outside	ADP
cblr-14258	326	182	these	these	DET
cblr-14258	326	183	questions	question	NOUN
cblr-14258	326	184	,	,	PUNCT
cblr-14258	326	185	however	however	ADV
cblr-14258	326	186	,	,	PUNCT
cblr-14258	326	187	e.d.n.y	e.d.n.y	PROPN
cblr-14258	326	188	.	.	PROPN
cblr-14258	326	189	gave	give	VERB
cblr-14258	326	190	no	no	DET
cblr-14258	326	191	more	more	ADJ
cblr-14258	326	192	guidance	guidance	NOUN
cblr-14258	326	193	on	on	ADP
cblr-14258	326	194	fapa	fapa	NOUN
cblr-14258	326	195	’s	’s	PART
cblr-14258	326	196	retroactive	retroactive	ADJ
cblr-14258	326	197	application	application	NOUN
cblr-14258	326	198	beyond	beyond	ADP
cblr-14258	326	199	quoting	quote	VERB
cblr-14258	326	200	section	section	NOUN
cblr-14258	326	201	10	10	NUM
cblr-14258	326	202	,	,	PUNCT
cblr-14258	326	203	without	without	ADP
cblr-14258	326	204	further	far	ADV
cblr-14258	326	205	explaining	explain	VERB
cblr-14258	326	206	what	what	PRON
cblr-14258	326	207	its	its	PRON
cblr-14258	326	208	language	language	NOUN
cblr-14258	326	209	might	might	AUX
cblr-14258	326	210	mean	mean	VERB
cblr-14258	326	211	under	under	ADP
cblr-14258	326	212	different	different	ADJ
cblr-14258	326	213	procedural	procedural	ADJ
cblr-14258	326	214	contexts	contexts	NOUN
cblr-14258	326	215	.	.	PUNCT
cblr-14258	327	1	such	such	ADJ
cblr-14258	327	2	avoidance	avoidance	NOUN
cblr-14258	327	3	is	be	AUX
cblr-14258	327	4	expected	expect	VERB
cblr-14258	327	5	.	.	PUNCT
cblr-14258	328	1	as	as	SCONJ
cblr-14258	328	2	the	the	DET
cblr-14258	328	3	court	court	NOUN
cblr-14258	328	4	points	point	VERB
cblr-14258	328	5	out	out	ADP
cblr-14258	328	6	,	,	PUNCT
cblr-14258	328	7	the	the	DET
cblr-14258	328	8	interpretation	interpretation	NOUN
cblr-14258	328	9	of	of	ADP
cblr-14258	328	10	fapa	fapa	NOUN
cblr-14258	328	11	and	and	CCONJ
cblr-14258	328	12	its	its	PRON
cblr-14258	328	13	effects	effect	NOUN
cblr-14258	328	14	on	on	ADP
cblr-14258	328	15	actions	action	NOUN
cblr-14258	328	16	is	be	AUX
cblr-14258	328	17	a	a	DET
cblr-14258	328	18	“	"	PUNCT
cblr-14258	328	19	quintessential	quintessential	ADJ
cblr-14258	328	20	issue	issue	NOUN
cblr-14258	328	21	of	of	ADP
cblr-14258	328	22	state	state	NOUN
cblr-14258	328	23	law	law	NOUN
cblr-14258	328	24	”	"	PUNCT
cblr-14258	328	25	that	that	PRON
cblr-14258	328	26	a	a	DET
cblr-14258	328	27	state	state	NOUN
cblr-14258	328	28	court	court	NOUN
cblr-14258	328	29	should	should	AUX
cblr-14258	328	30	decide.96	decide.96	VERB
cblr-14258	328	31	92	92	NUM
cblr-14258	328	32	article	article	NOUN
cblr-14258	328	33	13	13	NUM
cblr-14258	328	34	,	,	PUNCT
cblr-14258	328	35	llc	llc	PROPN
cblr-14258	328	36	v.	v.	PROPN
cblr-14258	328	37	ponce	ponce	PROPN
cblr-14258	328	38	de	de	PROPN
cblr-14258	328	39	leon	leon	PROPN
cblr-14258	328	40	fed	fed	PROPN
cblr-14258	328	41	.	.	PUNCT
cblr-14258	329	1	bank	bank	PROPN
cblr-14258	329	2	,	,	PUNCT
cblr-14258	329	3	686	686	NUM
cblr-14258	329	4	f.	f.	NOUN
cblr-14258	329	5	supp.3d	supp.3d	PROPN
cblr-14258	329	6	212	212	NUM
cblr-14258	329	7	,	,	PUNCT
cblr-14258	329	8	218	218	NUM
cblr-14258	329	9	,	,	PUNCT
cblr-14258	329	10	220	220	NUM
cblr-14258	329	11	(	(	PUNCT
cblr-14258	329	12	e.d.n.y	e.d.n.y	PROPN
cblr-14258	329	13	.	.	PROPN
cblr-14258	329	14	2023	2023	NUM
cblr-14258	329	15	)	)	PUNCT
cblr-14258	329	16	(	(	PUNCT
cblr-14258	329	17	noting	note	VERB
cblr-14258	329	18	not	not	PART
cblr-14258	329	19	only	only	ADV
cblr-14258	329	20	that	that	SCONJ
cblr-14258	329	21	there	there	PRON
cblr-14258	329	22	has	have	AUX
cblr-14258	329	23	been	be	AUX
cblr-14258	329	24	no	no	DET
cblr-14258	329	25	final	final	ADJ
cblr-14258	329	26	judgment	judgment	NOUN
cblr-14258	329	27	of	of	ADP
cblr-14258	329	28	foreclosure	foreclosure	NOUN
cblr-14258	329	29	and	and	CCONJ
cblr-14258	329	30	sale	sale	NOUN
cblr-14258	329	31	,	,	PUNCT
cblr-14258	329	32	but	but	CCONJ
cblr-14258	329	33	also	also	ADV
cblr-14258	329	34	that	that	SCONJ
cblr-14258	329	35	no	no	DET
cblr-14258	329	36	court	court	NOUN
cblr-14258	329	37	order	order	NOUN
cblr-14258	329	38	has	have	AUX
cblr-14258	329	39	vested	vest	VERB
cblr-14258	329	40	in	in	ADP
cblr-14258	329	41	either	either	PRON
cblr-14258	329	42	party	party	NOUN
cblr-14258	329	43	an	an	DET
cblr-14258	329	44	immediate	immediate	ADJ
cblr-14258	329	45	right	right	NOUN
cblr-14258	329	46	to	to	ADP
cblr-14258	329	47	any	any	DET
cblr-14258	329	48	property	property	NOUN
cblr-14258	329	49	,	,	PUNCT
cblr-14258	329	50	echoing	echo	VERB
cblr-14258	329	51	the	the	DET
cblr-14258	329	52	focus	focus	NOUN
cblr-14258	329	53	on	on	ADP
cblr-14258	329	54	vested	vested	ADJ
cblr-14258	329	55	property	property	NOUN
cblr-14258	329	56	rights	right	NOUN
cblr-14258	329	57	for	for	ADP
cblr-14258	329	58	fapa	fapa	NOUN
cblr-14258	329	59	’s	’s	PART
cblr-14258	329	60	retroactive	retroactive	ADJ
cblr-14258	329	61	application	application	NOUN
cblr-14258	329	62	in	in	ADP
cblr-14258	329	63	state	state	NOUN
cblr-14258	329	64	courts	court	NOUN
cblr-14258	329	65	)	)	PUNCT
cblr-14258	329	66	.	.	PUNCT
cblr-14258	330	1	93	93	NUM
cblr-14258	331	1	i	i	PRON
cblr-14258	331	2	d.	d.	PROPN
cblr-14258	331	3	94	94	PROPN
cblr-14258	331	4	e.	e.	PROPN
cblr-14258	331	5	fork	fork	PROPN
cblr-14258	331	6	funding	funding	PROPN
cblr-14258	331	7	llc	llc	PROPN
cblr-14258	331	8	v.	v.	PROPN
cblr-14258	331	9	u.s	u.s	PROPN
cblr-14258	331	10	.	.	PROPN
cblr-14258	331	11	bank	bank	PROPN
cblr-14258	331	12	,	,	PUNCT
cblr-14258	331	13	n.a	n.a	PROPN
cblr-14258	331	14	.	.	PROPN
cblr-14258	331	15	,	,	PUNCT
cblr-14258	331	16	no	no	INTJ
cblr-14258	331	17	.	.	NOUN
cblr-14258	331	18	20	20	NUM
cblr-14258	331	19	-	-	PUNCT
cblr-14258	331	20	cv-3404	cv-3404	NOUN
cblr-14258	331	21	(	(	PUNCT
cblr-14258	331	22	amd	amd	PROPN
cblr-14258	331	23	)	)	PUNCT
cblr-14258	331	24	(	(	PUNCT
cblr-14258	331	25	rml	rml	NOUN
cblr-14258	331	26	)	)	PUNCT
cblr-14258	331	27	,	,	PUNCT
cblr-14258	331	28	2023	2023	NUM
cblr-14258	331	29	wl	wl	SYM
cblr-14258	331	30	2660645	2660645	NUM
cblr-14258	331	31	,	,	PUNCT
cblr-14258	331	32	at	at	ADP
cblr-14258	331	33	*	*	NOUN
cblr-14258	331	34	5	5	NUM
cblr-14258	331	35	(	(	PUNCT
cblr-14258	331	36	e.d.n.y	e.d.n.y	PROPN
cblr-14258	331	37	.	.	PUNCT
cblr-14258	331	38	mar	mar	PROPN
cblr-14258	331	39	.	.	PROPN
cblr-14258	331	40	23	23	NUM
cblr-14258	331	41	,	,	PUNCT
cblr-14258	331	42	2023	2023	NUM
cblr-14258	331	43	)	)	PUNCT
cblr-14258	331	44	.	.	PUNCT
cblr-14258	332	1	95	95	NUM
cblr-14258	333	1	i	i	PRON
cblr-14258	333	2	d.	d.	PROPN
cblr-14258	333	3	96	96	NUM
cblr-14258	333	4	53rd	53rd	PROPN
cblr-14258	333	5	street	street	NOUN
cblr-14258	333	6	,	,	PUNCT
cblr-14258	333	7	llc	llc	PROPN
cblr-14258	333	8	v.	v.	PROPN
cblr-14258	333	9	u.s	u.s	PROPN
cblr-14258	333	10	.	.	PROPN
cblr-14258	333	11	bank	bank	PROPN
cblr-14258	333	12	nat’l	nat’l	PROPN
cblr-14258	333	13	ass’n	ass’n	NOUN
cblr-14258	333	14	,	,	PUNCT
cblr-14258	333	15	no	no	INTJ
cblr-14258	333	16	.	.	NOUN
cblr-14258	333	17	18	18	NUM
cblr-14258	333	18	-	-	PUNCT
cblr-14258	333	19	cv-4203	cv-4203	NOUN
cblr-14258	333	20	(	(	PUNCT
cblr-14258	333	21	amd	amd	PROPN
cblr-14258	333	22	)	)	PUNCT
cblr-14258	333	23	(	(	PUNCT
cblr-14258	333	24	vms	vms	PROPN
cblr-14258	333	25	)	)	PUNCT
cblr-14258	333	26	,	,	PUNCT
cblr-14258	333	27	2023	2023	NUM
cblr-14258	333	28	wl	wl	NOUN
cblr-14258	333	29	8283656	8283656	NUM
cblr-14258	333	30	,	,	PUNCT
cblr-14258	333	31	at	at	ADP
cblr-14258	333	32	*	*	NUM
cblr-14258	333	33	4	4	NUM
cblr-14258	333	34	(	(	PUNCT
cblr-14258	333	35	e.d.n.y	e.d.n.y	PROPN
cblr-14258	333	36	.	.	PUNCT
cblr-14258	333	37	nov	nov	PROPN
cblr-14258	333	38	.	.	PROPN
cblr-14258	333	39	30	30	NUM
cblr-14258	333	40	,	,	PUNCT
cblr-14258	333	41	2023	2023	NUM
cblr-14258	333	42	)	)	PUNCT
cblr-14258	333	43	.	.	PUNCT
cblr-14258	334	1	638	638	NUM
cblr-14258	334	2	columbia	columbia	PROPN
cblr-14258	334	3	business	business	NOUN
cblr-14258	334	4	law	law	PROPN
cblr-14258	334	5	review	review	NOUN
cblr-14258	334	6	[	[	X
cblr-14258	334	7	vol	vol	NOUN
cblr-14258	334	8	.	.	PUNCT
cblr-14258	335	1	2025	2025	NUM
cblr-14258	335	2	iii	iii	NOUN
cblr-14258	335	3	.	.	PUNCT
cblr-14258	336	1	resolution	resolution	NOUN
cblr-14258	336	2	of	of	ADP
cblr-14258	336	3	unsettled	unsettled	ADJ
cblr-14258	336	4	conflicts	conflict	NOUN
cblr-14258	336	5	and	and	CCONJ
cblr-14258	336	6	issues	issue	NOUN
cblr-14258	336	7	the	the	DET
cblr-14258	336	8	court	court	NOUN
cblr-14258	336	9	of	of	ADP
cblr-14258	336	10	appeals	appeals	PROPN
cblr-14258	336	11	in	in	ADP
cblr-14258	336	12	new	new	PROPN
cblr-14258	336	13	york	york	PROPN
cblr-14258	336	14	has	have	AUX
cblr-14258	336	15	never	never	ADV
cblr-14258	336	16	given	give	VERB
cblr-14258	336	17	an	an	DET
cblr-14258	336	18	opinion	opinion	NOUN
cblr-14258	336	19	on	on	ADP
cblr-14258	336	20	a	a	DET
cblr-14258	336	21	fapa	fapa	NOUN
cblr-14258	336	22	case	case	NOUN
cblr-14258	336	23	,	,	PUNCT
cblr-14258	336	24	and	and	CCONJ
cblr-14258	336	25	the	the	DET
cblr-14258	336	26	appellate	appellate	ADJ
cblr-14258	336	27	divisions	division	NOUN
cblr-14258	336	28	have	have	AUX
cblr-14258	336	29	generally	generally	ADV
cblr-14258	336	30	remanded	remand	VERB
cblr-14258	336	31	cases	case	NOUN
cblr-14258	336	32	for	for	ADP
cblr-14258	336	33	consideration	consideration	NOUN
cblr-14258	336	34	of	of	ADP
cblr-14258	336	35	any	any	DET
cblr-14258	336	36	issues	issue	NOUN
cblr-14258	336	37	regarding	regard	VERB
cblr-14258	336	38	fapa	fapa	NOUN
cblr-14258	336	39	’s	’s	PART
cblr-14258	336	40	constitutionality	constitutionality	NOUN
cblr-14258	336	41	to	to	ADP
cblr-14258	336	42	the	the	DET
cblr-14258	336	43	lower	low	ADJ
cblr-14258	336	44	courts.97	courts.97	NOUN
cblr-14258	336	45	thus	thus	ADV
cblr-14258	336	46	,	,	PUNCT
cblr-14258	336	47	it	it	PRON
cblr-14258	336	48	is	be	AUX
cblr-14258	336	49	important	important	ADJ
cblr-14258	336	50	to	to	PART
cblr-14258	336	51	provide	provide	VERB
cblr-14258	336	52	clearer	clear	ADJ
cblr-14258	336	53	answers	answer	NOUN
cblr-14258	336	54	and	and	CCONJ
cblr-14258	336	55	insights	insight	NOUN
cblr-14258	336	56	to	to	ADP
cblr-14258	336	57	the	the	DET
cblr-14258	336	58	unresolved	unresolved	ADJ
cblr-14258	336	59	questions	question	NOUN
cblr-14258	336	60	.	.	PUNCT
cblr-14258	337	1	this	this	DET
cblr-14258	337	2	section	section	NOUN
cblr-14258	337	3	will	will	AUX
cblr-14258	337	4	tackle	tackle	VERB
cblr-14258	337	5	the	the	DET
cblr-14258	337	6	following	follow	VERB
cblr-14258	337	7	conflicts	conflict	NOUN
cblr-14258	337	8	and	and	CCONJ
cblr-14258	337	9	questions	question	NOUN
cblr-14258	337	10	implicated	implicate	VERB
cblr-14258	337	11	by	by	ADP
cblr-14258	337	12	the	the	DET
cblr-14258	337	13	existing	exist	VERB
cblr-14258	337	14	lower	low	ADJ
cblr-14258	337	15	court	court	NOUN
cblr-14258	337	16	decisions	decision	NOUN
cblr-14258	337	17	.	.	PUNCT
cblr-14258	338	1	first	first	ADV
cblr-14258	338	2	,	,	PUNCT
cblr-14258	338	3	ambiguity	ambiguity	NOUN
cblr-14258	338	4	remains	remain	VERB
cblr-14258	338	5	with	with	ADP
cblr-14258	338	6	regard	regard	NOUN
cblr-14258	338	7	to	to	ADP
cblr-14258	338	8	the	the	DET
cblr-14258	338	9	nature	nature	NOUN
cblr-14258	338	10	of	of	ADP
cblr-14258	338	11	the	the	DET
cblr-14258	338	12	legislative	legislative	ADJ
cblr-14258	338	13	intent	intent	NOUN
cblr-14258	338	14	behind	behind	ADP
cblr-14258	338	15	fapa	fapa	NOUN
cblr-14258	338	16	.	.	PUNCT
cblr-14258	339	1	lower	low	ADJ
cblr-14258	339	2	courts	court	NOUN
cblr-14258	339	3	are	be	AUX
cblr-14258	339	4	split	split	VERB
cblr-14258	339	5	on	on	ADP
cblr-14258	339	6	whether	whether	SCONJ
cblr-14258	339	7	the	the	DET
cblr-14258	339	8	legislative	legislative	ADJ
cblr-14258	339	9	purpose	purpose	NOUN
cblr-14258	339	10	and	and	CCONJ
cblr-14258	339	11	the	the	DET
cblr-14258	339	12	statute	statute	NOUN
cblr-14258	339	13	’s	’s	PART
cblr-14258	339	14	proposed	propose	VERB
cblr-14258	339	15	“	"	PUNCT
cblr-14258	339	16	remedial	remedial	ADJ
cblr-14258	339	17	aim	aim	NOUN
cblr-14258	339	18	”	"	PUNCT
cblr-14258	339	19	would	would	AUX
cblr-14258	339	20	overcome	overcome	VERB
cblr-14258	339	21	the	the	DET
cblr-14258	339	22	presumption	presumption	NOUN
cblr-14258	339	23	against	against	ADP
cblr-14258	339	24	retroactivity	retroactivity	NOUN
cblr-14258	339	25	and	and	CCONJ
cblr-14258	339	26	pass	pass	VERB
cblr-14258	339	27	the	the	DET
cblr-14258	339	28	matter	matter	NOUN
cblr-14258	339	29	of	of	ADP
cblr-14258	339	30	gleason	gleason	PROPN
cblr-14258	339	31	test.98	test.98	NOUN
cblr-14258	339	32	this	this	DET
cblr-14258	339	33	inquiry	inquiry	NOUN
cblr-14258	339	34	is	be	AUX
cblr-14258	339	35	also	also	ADV
cblr-14258	339	36	relevant	relevant	ADJ
cblr-14258	339	37	to	to	ADP
cblr-14258	339	38	the	the	DET
cblr-14258	339	39	constitutionality	constitutionality	NOUN
cblr-14258	339	40	question	question	NOUN
cblr-14258	339	41	,	,	PUNCT
cblr-14258	339	42	since	since	SCONJ
cblr-14258	339	43	a	a	DET
cblr-14258	339	44	“	"	PUNCT
cblr-14258	339	45	legitimate	legitimate	ADJ
cblr-14258	339	46	legislative	legislative	ADJ
cblr-14258	339	47	purpose	purpose	NOUN
cblr-14258	339	48	furthered	further	VERB
cblr-14258	339	49	by	by	ADP
cblr-14258	339	50	rational	rational	ADJ
cblr-14258	339	51	means	mean	NOUN
cblr-14258	339	52	”	"	PUNCT
cblr-14258	339	53	helps	help	VERB
cblr-14258	339	54	fulfill	fulfill	VERB
cblr-14258	339	55	the	the	DET
cblr-14258	339	56	due	due	ADJ
cblr-14258	339	57	process	process	NOUN
cblr-14258	339	58	requirement.99	requirement.99	PROPN
cblr-14258	339	59	second	second	ADV
cblr-14258	339	60	,	,	PUNCT
cblr-14258	339	61	the	the	DET
cblr-14258	339	62	trial	trial	NOUN
cblr-14258	339	63	courts	court	NOUN
cblr-14258	339	64	have	have	AUX
cblr-14258	339	65	denied	deny	VERB
cblr-14258	339	66	retroactive	retroactive	ADJ
cblr-14258	339	67	application	application	NOUN
cblr-14258	339	68	if	if	SCONJ
cblr-14258	339	69	it	it	PRON
cblr-14258	339	70	would	would	AUX
cblr-14258	339	71	impair	impair	VERB
cblr-14258	339	72	the	the	DET
cblr-14258	339	73	mortgagee	mortgagee	NOUN
cblr-14258	339	74	’s	’s	PART
cblr-14258	339	75	vested	vested	ADJ
cblr-14258	339	76	rights	right	NOUN
cblr-14258	339	77	and	and	CCONJ
cblr-14258	339	78	interest	interest	NOUN
cblr-14258	339	79	,	,	PUNCT
cblr-14258	339	80	yet	yet	CCONJ
cblr-14258	339	81	it	it	PRON
cblr-14258	339	82	has	have	AUX
cblr-14258	339	83	been	be	AUX
cblr-14258	339	84	unclear	unclear	ADJ
cblr-14258	339	85	what	what	PRON
cblr-14258	339	86	kind	kind	NOUN
cblr-14258	339	87	of	of	ADP
cblr-14258	339	88	events	event	NOUN
cblr-14258	339	89	,	,	PUNCT
cblr-14258	339	90	reliance	reliance	NOUN
cblr-14258	339	91	,	,	PUNCT
cblr-14258	339	92	or	or	CCONJ
cblr-14258	339	93	prior	prior	ADJ
cblr-14258	339	94	court	court	NOUN
cblr-14258	339	95	decisions	decision	NOUN
cblr-14258	339	96	would	would	AUX
cblr-14258	339	97	create	create	VERB
cblr-14258	339	98	such	such	ADJ
cblr-14258	339	99	rights	right	NOUN
cblr-14258	339	100	and	and	CCONJ
cblr-14258	339	101	interests	interest	NOUN
cblr-14258	339	102	in	in	ADP
cblr-14258	339	103	foreclosure	foreclosure	NOUN
cblr-14258	339	104	proceedings	proceeding	NOUN
cblr-14258	339	105	.	.	PUNCT
cblr-14258	340	1	this	this	DET
cblr-14258	340	2	issue	issue	NOUN
cblr-14258	340	3	is	be	AUX
cblr-14258	340	4	also	also	ADV
cblr-14258	340	5	highly	highly	ADV
cblr-14258	340	6	relevant	relevant	ADJ
cblr-14258	340	7	to	to	ADP
cblr-14258	340	8	the	the	DET
cblr-14258	340	9	constitutionality	constitutionality	NOUN
cblr-14258	340	10	analysis	analysis	NOUN
cblr-14258	340	11	since	since	SCONJ
cblr-14258	340	12	the	the	DET
cblr-14258	340	13	impairment	impairment	NOUN
cblr-14258	340	14	of	of	ADP
cblr-14258	340	15	vested	vested	ADJ
cblr-14258	340	16	property	property	NOUN
cblr-14258	340	17	right	right	NOUN
cblr-14258	340	18	would	would	AUX
cblr-14258	340	19	most	most	ADV
cblr-14258	340	20	likely	likely	ADV
cblr-14258	340	21	be	be	AUX
cblr-14258	340	22	a	a	DET
cblr-14258	340	23	violation	violation	NOUN
cblr-14258	340	24	of	of	ADP
cblr-14258	340	25	the	the	DET
cblr-14258	340	26	takings	taking	NOUN
cblr-14258	340	27	clause.100	clause.100	PROPN
cblr-14258	340	28	finally	finally	ADV
cblr-14258	340	29	,	,	PUNCT
cblr-14258	340	30	fapa	fapa	PROPN
cblr-14258	340	31	’s	’s	PART
cblr-14258	340	32	potential	potential	ADJ
cblr-14258	340	33	violations	violation	NOUN
cblr-14258	340	34	of	of	ADP
cblr-14258	340	35	the	the	DET
cblr-14258	340	36	contract	contract	NOUN
cblr-14258	340	37	clause	clause	NOUN
cblr-14258	340	38	and	and	CCONJ
cblr-14258	340	39	the	the	DET
cblr-14258	340	40	separation	separation	NOUN
cblr-14258	340	41	of	of	ADP
cblr-14258	340	42	powers	power	NOUN
cblr-14258	340	43	doctrine	doctrine	VERB
cblr-14258	340	44	warrant	warrant	VERB
cblr-14258	340	45	further	further	ADJ
cblr-14258	340	46	scrutiny	scrutiny	NOUN
cblr-14258	340	47	in	in	ADP
cblr-14258	340	48	light	light	NOUN
cblr-14258	340	49	of	of	ADP
cblr-14258	340	50	secondary	secondary	ADJ
cblr-14258	340	51	sources	source	NOUN
cblr-14258	340	52	advancing	advance	VERB
cblr-14258	340	53	arguments	argument	NOUN
cblr-14258	340	54	against	against	ADP
cblr-14258	340	55	fapa	fapa	NOUN
cblr-14258	340	56	’s	’s	PART
cblr-14258	340	57	constitutionality	constitutionality	NOUN
cblr-14258	340	58	.	.	PUNCT
cblr-14258	341	1	97	97	NUM
cblr-14258	341	2	see	see	VERB
cblr-14258	341	3	generally	generally	ADV
cblr-14258	341	4	,	,	PUNCT
cblr-14258	341	5	johnson	johnson	PROPN
cblr-14258	341	6	v.	v.	ADP
cblr-14258	341	7	cascade	cascade	NOUN
cblr-14258	341	8	funding	funding	NOUN
cblr-14258	341	9	mortg	mortg	NOUN
cblr-14258	341	10	.	.	PUNCT
cblr-14258	342	1	tr	tr	VERB
cblr-14258	342	2	.	.	NOUN
cblr-14258	342	3	2017	2017	NUM
cblr-14258	342	4	-	-	SYM
cblr-14258	342	5	1	1	NUM
cblr-14258	342	6	,	,	PUNCT
cblr-14258	342	7	196	196	NUM
cblr-14258	342	8	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	342	9	796	796	NUM
cblr-14258	342	10	(	(	PUNCT
cblr-14258	342	11	mem	mem	PROPN
cblr-14258	342	12	)	)	PUNCT
cblr-14258	342	13	,	,	PUNCT
cblr-14258	342	14	799	799	NUM
cblr-14258	342	15	(	(	PUNCT
cblr-14258	342	16	n.y	n.y	PROPN
cblr-14258	342	17	.	.	PROPN
cblr-14258	342	18	app	app	PROPN
cblr-14258	342	19	.	.	PUNCT
cblr-14258	343	1	div	div	PROPN
cblr-14258	343	2	.	.	PUNCT
cblr-14258	343	3	2d	2d	NUM
cblr-14258	343	4	dep’t	dep’t	NOUN
cblr-14258	343	5	2023	2023	NUM
cblr-14258	343	6	)	)	PUNCT
cblr-14258	343	7	;	;	PUNCT
cblr-14258	343	8	u.s	u.s	PROPN
cblr-14258	343	9	.	.	PROPN
cblr-14258	343	10	bank	bank	PROPN
cblr-14258	343	11	nat’l	nat’l	VERB
cblr-14258	343	12	ass’n	ass’n	PROPN
cblr-14258	343	13	v.	v.	CCONJ
cblr-14258	343	14	santos	santos	PROPN
cblr-14258	343	15	,	,	PUNCT
cblr-14258	343	16	193	193	NUM
cblr-14258	343	17	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	343	18	271	271	NUM
cblr-14258	343	19	,	,	PUNCT
cblr-14258	343	20	273	273	NUM
cblr-14258	343	21	(	(	PUNCT
cblr-14258	343	22	n.y	n.y	PROPN
cblr-14258	343	23	.	.	PROPN
cblr-14258	343	24	app	app	PROPN
cblr-14258	343	25	.	.	PUNCT
cblr-14258	344	1	div	div	PROPN
cblr-14258	344	2	.	.	PUNCT
cblr-14258	344	3	2d	2d	NUM
cblr-14258	344	4	dep’t	dep’t	NOUN
cblr-14258	344	5	2023	2023	NUM
cblr-14258	344	6	)	)	PUNCT
cblr-14258	344	7	;	;	PUNCT
cblr-14258	344	8	u.s	u.s	PROPN
cblr-14258	344	9	.	.	PROPN
cblr-14258	344	10	bank	bank	PROPN
cblr-14258	344	11	nat’l	nat’l	VERB
cblr-14258	344	12	ass’n	ass’n	PROPN
cblr-14258	344	13	v.	v.	CCONJ
cblr-14258	344	14	simon	simon	PROPN
cblr-14258	344	15	,	,	PUNCT
cblr-14258	344	16	191	191	NUM
cblr-14258	344	17	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	344	18	61	61	NUM
cblr-14258	344	19	,	,	PUNCT
cblr-14258	344	20	63	63	NUM
cblr-14258	344	21	(	(	PUNCT
cblr-14258	344	22	n.y	n.y	PROPN
cblr-14258	344	23	.	.	PROPN
cblr-14258	344	24	app	app	PROPN
cblr-14258	344	25	.	.	PUNCT
cblr-14258	345	1	div	div	PROPN
cblr-14258	345	2	.	.	PUNCT
cblr-14258	345	3	2d	2d	NUM
cblr-14258	345	4	dep’t	dep’t	NOUN
cblr-14258	345	5	2023	2023	NUM
cblr-14258	345	6	)	)	PUNCT
cblr-14258	345	7	;	;	PUNCT
cblr-14258	345	8	deutsche	deutsche	PROPN
cblr-14258	345	9	bank	bank	PROPN
cblr-14258	345	10	nat’l	nat’l	PROPN
cblr-14258	345	11	tr	tr	VERB
cblr-14258	345	12	.	.	PROPN
cblr-14258	345	13	co.	co.	PROPN
cblr-14258	345	14	v.	v.	PROPN
cblr-14258	345	15	wong	wong	PROPN
cblr-14258	345	16	,	,	PUNCT
cblr-14258	345	17	193	193	NUM
cblr-14258	345	18	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	345	19	243	243	NUM
cblr-14258	345	20	,	,	PUNCT
cblr-14258	345	21	246	246	NUM
cblr-14258	345	22	(	(	PUNCT
cblr-14258	345	23	n.y	n.y	PROPN
cblr-14258	345	24	.	.	PROPN
cblr-14258	345	25	app	app	PROPN
cblr-14258	345	26	.	.	PUNCT
cblr-14258	346	1	div	div	PROPN
cblr-14258	346	2	.	.	PUNCT
cblr-14258	346	3	2d	2d	NUM
cblr-14258	346	4	dep’t	dep’t	NOUN
cblr-14258	346	5	2023	2023	NUM
cblr-14258	346	6	)	)	PUNCT
cblr-14258	346	7	.	.	PUNCT
cblr-14258	347	1	98	98	NUM
cblr-14258	347	2	see	see	VERB
cblr-14258	347	3	supra	supra	PROPN
cblr-14258	347	4	notes	note	NOUN
cblr-14258	347	5	33–38	33–38	NUM
cblr-14258	347	6	.	.	PROPN
cblr-14258	348	1	99	99	NUM
cblr-14258	348	2	see	see	VERB
cblr-14258	348	3	supra	supra	PROPN
cblr-14258	348	4	note	note	PROPN
cblr-14258	348	5	79	79	NUM
cblr-14258	348	6	.	.	NOUN
cblr-14258	348	7	100	100	NUM
cblr-14258	348	8	see	see	VERB
cblr-14258	348	9	supra	supra	PROPN
cblr-14258	348	10	note	note	NOUN
cblr-14258	348	11	91	91	NUM
cblr-14258	348	12	.	.	PUNCT
cblr-14258	349	1	no	no	INTJ
cblr-14258	349	2	.	.	NOUN
cblr-14258	349	3	1	1	NUM
cblr-14258	349	4	]	]	PUNCT
cblr-14258	349	5	retroactive	retroactive	ADJ
cblr-14258	349	6	application	application	NOUN
cblr-14258	349	7	of	of	ADP
cblr-14258	349	8	the	the	DET
cblr-14258	349	9	ny	ny	PROPN
cblr-14258	349	10	fapa	fapa	PROPN
cblr-14258	349	11	639	639	NUM
cblr-14258	349	12	a.	a.	NOUN
cblr-14258	349	13	legislative	legislative	ADJ
cblr-14258	349	14	intent	intent	NOUN
cblr-14258	349	15	and	and	CCONJ
cblr-14258	349	16	passing	pass	VERB
cblr-14258	349	17	the	the	DET
cblr-14258	349	18	matter	matter	NOUN
cblr-14258	349	19	of	of	ADP
cblr-14258	349	20	gleason	gleason	PROPN
cblr-14258	349	21	test	test	VERB
cblr-14258	349	22	the	the	DET
cblr-14258	349	23	state	state	NOUN
cblr-14258	349	24	legislature	legislature	NOUN
cblr-14258	349	25	indicated	indicate	VERB
cblr-14258	349	26	that	that	SCONJ
cblr-14258	349	27	the	the	DET
cblr-14258	349	28	main	main	ADJ
cblr-14258	349	29	purpose	purpose	NOUN
cblr-14258	349	30	for	for	ADP
cblr-14258	349	31	fapa	fapa	NOUN
cblr-14258	349	32	’s	’s	PART
cblr-14258	349	33	passage	passage	NOUN
cblr-14258	349	34	was	be	AUX
cblr-14258	349	35	to	to	PART
cblr-14258	349	36	overturn	overturn	VERB
cblr-14258	349	37	engel	engel	NOUN
cblr-14258	349	38	and	and	CCONJ
cblr-14258	349	39	to	to	PART
cblr-14258	349	40	eliminate	eliminate	VERB
cblr-14258	349	41	abusive	abusive	ADJ
cblr-14258	349	42	tactics	tactic	NOUN
cblr-14258	349	43	employed	employ	VERB
cblr-14258	349	44	by	by	ADP
cblr-14258	349	45	mortgagees	mortgagee	NOUN
cblr-14258	349	46	to	to	PART
cblr-14258	349	47	manipulate	manipulate	VERB
cblr-14258	349	48	the	the	DET
cblr-14258	349	49	statute	statute	NOUN
cblr-14258	349	50	of	of	ADP
cblr-14258	349	51	limitations	limitation	NOUN
cblr-14258	349	52	.	.	PUNCT
cblr-14258	350	1	the	the	DET
cblr-14258	350	2	courts	court	NOUN
cblr-14258	350	3	are	be	AUX
cblr-14258	350	4	split	split	VERB
cblr-14258	350	5	on	on	ADP
cblr-14258	350	6	whether	whether	SCONJ
cblr-14258	350	7	such	such	ADJ
cblr-14258	350	8	intent	intent	NOUN
cblr-14258	350	9	passes	pass	VERB
cblr-14258	350	10	the	the	DET
cblr-14258	350	11	matter	matter	NOUN
cblr-14258	350	12	of	of	ADP
cblr-14258	350	13	gleason	gleason	PROPN
cblr-14258	350	14	test	test	NOUN
cblr-14258	350	15	,	,	PUNCT
cblr-14258	350	16	and	and	CCONJ
cblr-14258	350	17	while	while	SCONJ
cblr-14258	350	18	the	the	DET
cblr-14258	350	19	courts	court	NOUN
cblr-14258	350	20	have	have	AUX
cblr-14258	350	21	mostly	mostly	ADV
cblr-14258	350	22	viewed	view	VERB
cblr-14258	350	23	such	such	ADJ
cblr-14258	350	24	remedial	remedial	ADJ
cblr-14258	350	25	aim	aim	NOUN
cblr-14258	350	26	as	as	ADP
cblr-14258	350	27	a	a	DET
cblr-14258	350	28	rational	rational	ADJ
cblr-14258	350	29	legislative	legislative	ADJ
cblr-14258	350	30	purpose	purpose	NOUN
cblr-14258	350	31	satisfying	satisfy	VERB
cblr-14258	350	32	the	the	DET
cblr-14258	350	33	due	due	ADJ
cblr-14258	350	34	process	process	NOUN
cblr-14258	350	35	clause	clause	NOUN
cblr-14258	350	36	under	under	ADP
cblr-14258	350	37	the	the	DET
cblr-14258	350	38	fourteenth	fourteenth	ADJ
cblr-14258	350	39	amendment	amendment	NOUN
cblr-14258	350	40	,	,	PUNCT
cblr-14258	350	41	scholars	scholar	NOUN
cblr-14258	350	42	have	have	AUX
cblr-14258	350	43	raised	raise	VERB
cblr-14258	350	44	the	the	DET
cblr-14258	350	45	argument	argument	NOUN
cblr-14258	350	46	that	that	SCONJ
cblr-14258	350	47	the	the	DET
cblr-14258	350	48	legislature	legislature	NOUN
cblr-14258	350	49	’s	’s	PART
cblr-14258	350	50	“	"	PUNCT
cblr-14258	350	51	knee	knee	NOUN
cblr-14258	350	52	-	-	PUNCT
cblr-14258	350	53	jerk	jerk	NOUN
cblr-14258	350	54	reaction	reaction	NOUN
cblr-14258	350	55	to	to	PART
cblr-14258	350	56	overturn	overturn	VERB
cblr-14258	350	57	engel	engel	PROPN
cblr-14258	350	58	is	be	AUX
cblr-14258	350	59	not	not	PART
cblr-14258	350	60	a	a	DET
cblr-14258	350	61	persuasive	persuasive	ADJ
cblr-14258	350	62	reason	reason	NOUN
cblr-14258	350	63	for	for	ADP
cblr-14258	350	64	the	the	DET
cblr-14258	350	65	harsh	harsh	ADJ
cblr-14258	350	66	impact	impact	NOUN
cblr-14258	350	67	of	of	ADP
cblr-14258	350	68	retroactivity	retroactivity	NOUN
cblr-14258	350	69	”	"	PUNCT
cblr-14258	350	70	and	and	CCONJ
cblr-14258	350	71	thus	thus	ADV
cblr-14258	350	72	violates	violate	VERB
cblr-14258	350	73	the	the	DET
cblr-14258	350	74	due	due	ADJ
cblr-14258	350	75	process	process	NOUN
cblr-14258	350	76	requirement.101	requirement.101	NOUN
cblr-14258	350	77	this	this	DET
cblr-14258	350	78	note	note	NOUN
cblr-14258	350	79	argues	argue	VERB
cblr-14258	350	80	that	that	SCONJ
cblr-14258	350	81	fapa	fapa	NOUN
cblr-14258	350	82	’s	’s	PART
cblr-14258	350	83	legislative	legislative	ADJ
cblr-14258	350	84	intent	intent	NOUN
cblr-14258	350	85	is	be	AUX
cblr-14258	350	86	sufficiently	sufficiently	ADV
cblr-14258	350	87	persuasive	persuasive	ADJ
cblr-14258	350	88	and	and	CCONJ
cblr-14258	350	89	rational	rational	ADJ
cblr-14258	350	90	to	to	PART
cblr-14258	350	91	justify	justify	VERB
cblr-14258	350	92	retroactive	retroactive	ADJ
cblr-14258	350	93	application	application	NOUN
cblr-14258	350	94	.	.	PUNCT
cblr-14258	351	1	the	the	DET
cblr-14258	351	2	first	first	ADJ
cblr-14258	351	3	step	step	NOUN
cblr-14258	351	4	is	be	AUX
cblr-14258	351	5	taking	take	VERB
cblr-14258	351	6	a	a	DET
cblr-14258	351	7	closer	close	ADJ
cblr-14258	351	8	look	look	NOUN
cblr-14258	351	9	at	at	ADP
cblr-14258	351	10	the	the	DET
cblr-14258	351	11	documents	document	NOUN
cblr-14258	351	12	explaining	explain	VERB
cblr-14258	351	13	the	the	DET
cblr-14258	351	14	legislative	legislative	ADJ
cblr-14258	351	15	intent	intent	NOUN
cblr-14258	351	16	.	.	PUNCT
cblr-14258	352	1	in	in	ADP
cblr-14258	352	2	the	the	DET
cblr-14258	352	3	sponsor	sponsor	NOUN
cblr-14258	352	4	memo	memo	NOUN
cblr-14258	352	5	,	,	PUNCT
cblr-14258	352	6	the	the	DET
cblr-14258	352	7	legislature	legislature	NOUN
cblr-14258	352	8	finds	find	VERB
cblr-14258	352	9	that	that	SCONJ
cblr-14258	352	10	there	there	PRON
cblr-14258	352	11	is	be	VERB
cblr-14258	352	12	an	an	DET
cblr-14258	352	13	ongoing	ongoing	ADJ
cblr-14258	352	14	problem	problem	NOUN
cblr-14258	352	15	with	with	ADP
cblr-14258	352	16	abuses	abuse	NOUN
cblr-14258	352	17	of	of	ADP
cblr-14258	352	18	the	the	DET
cblr-14258	352	19	judicial	judicial	ADJ
cblr-14258	352	20	foreclosure	foreclosure	NOUN
cblr-14258	352	21	process	process	NOUN
cblr-14258	352	22	that	that	PRON
cblr-14258	352	23	has	have	AUX
cblr-14258	352	24	been	be	AUX
cblr-14258	352	25	exacerbated	exacerbate	VERB
cblr-14258	352	26	by	by	ADP
cblr-14258	352	27	court	court	NOUN
cblr-14258	352	28	decisions	decision	NOUN
cblr-14258	352	29	,	,	PUNCT
cblr-14258	352	30	and	and	CCONJ
cblr-14258	352	31	that	that	SCONJ
cblr-14258	352	32	“	"	PUNCT
cblr-14258	352	33	the	the	DET
cblr-14258	352	34	purpose	purpose	NOUN
cblr-14258	352	35	of	of	ADP
cblr-14258	352	36	the	the	DET
cblr-14258	352	37	present	present	ADJ
cblr-14258	352	38	remedial	remedial	ADJ
cblr-14258	352	39	legislation	legislation	NOUN
cblr-14258	352	40	is	be	AUX
cblr-14258	352	41	to	to	PART
cblr-14258	352	42	clarify	clarify	VERB
cblr-14258	352	43	the	the	DET
cblr-14258	352	44	meaning	meaning	NOUN
cblr-14258	352	45	of	of	ADP
cblr-14258	352	46	existing	exist	VERB
cblr-14258	352	47	statutes	statute	NOUN
cblr-14258	352	48	,	,	PUNCT
cblr-14258	352	49	codify	codify	VERB
cblr-14258	352	50	correct	correct	ADJ
cblr-14258	352	51	judicial	judicial	ADJ
cblr-14258	352	52	applications	application	NOUN
cblr-14258	352	53	.	.	PUNCT
cblr-14258	352	54	.	.	PUNCT
cblr-14258	352	55	.	.	PUNCT
cblr-14258	353	1	and	and	CCONJ
cblr-14258	353	2	rectify	rectify	VERB
cblr-14258	353	3	erroneous	erroneous	ADJ
cblr-14258	353	4	judicial	judicial	ADJ
cblr-14258	353	5	interpretations	interpretation	NOUN
cblr-14258	353	6	thereof	thereof	ADV
cblr-14258	353	7	.	.	PUNCT
cblr-14258	354	1	”102	”102	PROPN
cblr-14258	355	1	it	it	PRON
cblr-14258	355	2	seeks	seek	VERB
cblr-14258	355	3	to	to	PART
cblr-14258	355	4	“	"	PUNCT
cblr-14258	355	5	clarify	clarify	VERB
cblr-14258	355	6	the	the	DET
cblr-14258	355	7	existing	exist	VERB
cblr-14258	355	8	law	law	NOUN
cblr-14258	355	9	and	and	CCONJ
cblr-14258	355	10	overturn	overturn	VERB
cblr-14258	355	11	those	those	DET
cblr-14258	355	12	decisions	decision	NOUN
cblr-14258	355	13	that	that	PRON
cblr-14258	355	14	have	have	AUX
cblr-14258	355	15	strayed	stray	VERB
cblr-14258	355	16	from	from	ADP
cblr-14258	355	17	legislative	legislative	ADJ
cblr-14258	355	18	prescription	prescription	NOUN
cblr-14258	355	19	and	and	CCONJ
cblr-14258	355	20	intent	intent	NOUN
cblr-14258	355	21	;	;	PUNCT
cblr-14258	355	22	”	"	PUNCT
cblr-14258	355	23	these	these	DET
cblr-14258	355	24	amendments	amendment	NOUN
cblr-14258	355	25	and	and	CCONJ
cblr-14258	355	26	clarifications	clarification	NOUN
cblr-14258	355	27	“	"	PUNCT
cblr-14258	355	28	will	will	AUX
cblr-14258	355	29	.	.	PUNCT
cblr-14258	355	30	.	.	PUNCT
cblr-14258	355	31	.	.	PUNCT
cblr-14258	356	1	apply	apply	VERB
cblr-14258	356	2	equally	equally	ADV
cblr-14258	356	3	to	to	ADP
cblr-14258	356	4	all	all	DET
cblr-14258	356	5	litigants	litigant	NOUN
cblr-14258	356	6	,	,	PUNCT
cblr-14258	356	7	including	include	VERB
cblr-14258	356	8	those	those	PRON
cblr-14258	356	9	currently	currently	ADV
cblr-14258	356	10	involved	involve	VERB
cblr-14258	356	11	in	in	ADP
cblr-14258	356	12	mortgage	mortgage	NOUN
cblr-14258	356	13	foreclosures	foreclosure	NOUN
cblr-14258	356	14	and	and	CCONJ
cblr-14258	356	15	related	related	ADJ
cblr-14258	356	16	actions	action	NOUN
cblr-14258	356	17	.	.	PUNCT
cblr-14258	356	18	”103	”103	PUNCT
cblr-14258	357	1	the	the	DET
cblr-14258	357	2	sponsors	sponsor	NOUN
cblr-14258	357	3	found	find	VERB
cblr-14258	357	4	that	that	SCONJ
cblr-14258	357	5	101	101	NUM
cblr-14258	357	6	diana	diana	PROPN
cblr-14258	357	7	m.	m.	PROPN
cblr-14258	357	8	eng	eng	PROPN
cblr-14258	357	9	&	&	CCONJ
cblr-14258	357	10	andrea	andrea	PROPN
cblr-14258	357	11	m.	m.	PROPN
cblr-14258	357	12	roberts	roberts	PROPN
cblr-14258	357	13	,	,	PUNCT
cblr-14258	357	14	can	can	AUX
cblr-14258	357	15	the	the	DET
cblr-14258	357	16	foreclosure	foreclosure	NOUN
cblr-14258	357	17	abuse	abuse	NOUN
cblr-14258	357	18	prevention	prevention	NOUN
cblr-14258	357	19	act	act	NOUN
cblr-14258	357	20	survive	survive	VERB
cblr-14258	357	21	a	a	DET
cblr-14258	357	22	constitutional	constitutional	ADJ
cblr-14258	357	23	challenge	challenge	NOUN
cblr-14258	357	24	?	?	PUNCT
cblr-14258	358	1	n.y.l.j	n.y.l.j	INTJ
cblr-14258	358	2	.	.	PUNCT
cblr-14258	359	1	(	(	PUNCT
cblr-14258	359	2	jan	jan	PROPN
cblr-14258	359	3	.	.	PROPN
cblr-14258	359	4	6	6	NUM
cblr-14258	359	5	,	,	PUNCT
cblr-14258	359	6	2023	2023	NUM
cblr-14258	359	7	)	)	PUNCT
cblr-14258	359	8	,	,	PUNCT
cblr-14258	359	9	https://www.blankrome.com/publications/can-foreclosure-abuse-prevention-actsurvive-constitutional-challenge	https://www.blankrome.com/publications/can-foreclosure-abuse-prevention-actsurvive-constitutional-challenge	NOUN
cblr-14258	360	1	[	[	X
cblr-14258	360	2	https://perma.cc/uas9-7jdg	https://perma.cc/uas9-7jdg	X
cblr-14258	360	3	]	]	X
cblr-14258	360	4	(	(	PUNCT
cblr-14258	360	5	quoting	quote	VERB
cblr-14258	360	6	holly	holly	PROPN
cblr-14258	360	7	s.	s.	PROPN
cblr-14258	360	8	clarendon	clarendon	PROPN
cblr-14258	360	9	tr	tr	VERB
cblr-14258	360	10	.	.	PUNCT
cblr-14258	361	1	v.	v.	ADP
cblr-14258	361	2	state	state	NOUN
cblr-14258	361	3	tax	tax	NOUN
cblr-14258	361	4	comm’n	comm’n	NOUN
cblr-14258	361	5	,	,	PUNCT
cblr-14258	361	6	43	43	NUM
cblr-14258	361	7	n.y.2d	n.y.2d	NUM
cblr-14258	361	8	933	933	NUM
cblr-14258	361	9	,	,	PUNCT
cblr-14258	361	10	935	935	NUM
cblr-14258	361	11	(	(	PUNCT
cblr-14258	361	12	1978	1978	NUM
cblr-14258	361	13	)	)	PUNCT
cblr-14258	361	14	(	(	PUNCT
cblr-14258	361	15	“	"	PUNCT
cblr-14258	361	16	[	[	X
cblr-14258	361	17	t]he	t]he	ADV
cblr-14258	361	18	apparent	apparent	ADJ
cblr-14258	361	19	absence	absence	NOUN
cblr-14258	361	20	of	of	ADP
cblr-14258	361	21	a	a	DET
cblr-14258	361	22	persuasive	persuasive	ADJ
cblr-14258	361	23	reason	reason	NOUN
cblr-14258	361	24	for	for	ADP
cblr-14258	361	25	retroactivity	retroactivity	NOUN
cblr-14258	361	26	,	,	PUNCT
cblr-14258	361	27	with	with	ADP
cblr-14258	361	28	its	its	PRON
cblr-14258	361	29	potentially	potentially	ADV
cblr-14258	361	30	harsh	harsh	ADJ
cblr-14258	361	31	effects	effect	NOUN
cblr-14258	362	1	,	,	PUNCT
cblr-14258	362	2	offends	offend	VERB
cblr-14258	362	3	constitutional	constitutional	ADJ
cblr-14258	362	4	limits	limit	NOUN
cblr-14258	362	5	.	.	PUNCT
cblr-14258	362	6	.	.	PUNCT
cblr-14258	362	7	.	.	PUNCT
cblr-14258	363	1	.	.	PUNCT
cblr-14258	363	2	”	"	PUNCT
cblr-14258	364	1	)	)	PUNCT
cblr-14258	364	2	)	)	PUNCT
cblr-14258	365	1	.	.	PUNCT
cblr-14258	366	1	102	102	NUM
cblr-14258	366	2	s.b	s.b	PROPN
cblr-14258	366	3	.	.	PUNCT
cblr-14258	367	1	s4573d	s4573d	ADP
cblr-14258	367	2	,	,	PUNCT
cblr-14258	367	3	sponsor	sponsor	NOUN
cblr-14258	367	4	memo	memo	NOUN
cblr-14258	367	5	(	(	PUNCT
cblr-14258	367	6	2022	2022	NUM
cblr-14258	367	7	)	)	PUNCT
cblr-14258	367	8	(	(	PUNCT
cblr-14258	367	9	emphasis	emphasis	NOUN
cblr-14258	367	10	added	add	VERB
cblr-14258	367	11	)	)	PUNCT
cblr-14258	367	12	.	.	PUNCT
cblr-14258	368	1	103	103	NUM
cblr-14258	369	1	i	i	PRON
cblr-14258	369	2	d.	d.	PROPN
cblr-14258	369	3	(	(	PUNCT
cblr-14258	369	4	emphasis	emphasis	NOUN
cblr-14258	369	5	added	add	VERB
cblr-14258	369	6	)	)	PUNCT
cblr-14258	369	7	.	.	PUNCT
cblr-14258	370	1	640	640	NUM
cblr-14258	370	2	columbia	columbia	PROPN
cblr-14258	370	3	business	business	NOUN
cblr-14258	370	4	law	law	NOUN
cblr-14258	370	5	review	review	NOUN
cblr-14258	370	6	[	[	X
cblr-14258	370	7	vol	vol	NOUN
cblr-14258	370	8	.	.	PUNCT
cblr-14258	370	9	2025	2025	NUM
cblr-14258	371	1	the	the	DET
cblr-14258	371	2	abusive	abusive	ADJ
cblr-14258	371	3	tactics	tactic	NOUN
cblr-14258	371	4	employed	employ	VERB
cblr-14258	371	5	by	by	ADP
cblr-14258	371	6	foreclosure	foreclosure	NOUN
cblr-14258	371	7	plaintiffs	plaintiff	NOUN
cblr-14258	371	8	have	have	AUX
cblr-14258	371	9	been	be	AUX
cblr-14258	371	10	“	"	PUNCT
cblr-14258	371	11	sanctioned	sanction	VERB
cblr-14258	371	12	by	by	ADP
cblr-14258	371	13	the	the	DET
cblr-14258	371	14	judiciary	judiciary	NOUN
cblr-14258	371	15	”	"	PUNCT
cblr-14258	371	16	and	and	CCONJ
cblr-14258	371	17	“	"	PUNCT
cblr-14258	371	18	resulted	result	VERB
cblr-14258	371	19	in	in	ADP
cblr-14258	371	20	perversion	perversion	NOUN
cblr-14258	371	21	of	of	ADP
cblr-14258	371	22	longstanding	longstanding	ADJ
cblr-14258	371	23	law	law	NOUN
cblr-14258	371	24	and	and	CCONJ
cblr-14258	371	25	created	create	VERB
cblr-14258	371	26	an	an	DET
cblr-14258	371	27	unfair	unfair	ADJ
cblr-14258	371	28	playing	playing	NOUN
cblr-14258	371	29	field	field	NOUN
cblr-14258	371	30	that	that	PRON
cblr-14258	371	31	favors	favor	VERB
cblr-14258	371	32	the	the	DET
cblr-14258	371	33	mortgage	mortgage	NOUN
cblr-14258	371	34	banking	banking	NOUN
cblr-14258	371	35	and	and	CCONJ
cblr-14258	371	36	servicing	servicing	NOUN
cblr-14258	371	37	industry	industry	NOUN
cblr-14258	371	38	at	at	ADP
cblr-14258	371	39	the	the	DET
cblr-14258	371	40	expense	expense	NOUN
cblr-14258	371	41	of	of	ADP
cblr-14258	371	42	everyday	everyday	ADJ
cblr-14258	371	43	new	new	ADJ
cblr-14258	371	44	yorkers	yorkers	PROPN
cblr-14258	371	45	.	.	PUNCT
cblr-14258	371	46	”104	”104	PUNCT
cblr-14258	372	1	in	in	ADP
cblr-14258	372	2	matter	matter	NOUN
cblr-14258	372	3	of	of	ADP
cblr-14258	372	4	gleason	gleason	PROPN
cblr-14258	372	5	,	,	PUNCT
cblr-14258	372	6	the	the	DET
cblr-14258	372	7	court	court	NOUN
cblr-14258	372	8	of	of	ADP
cblr-14258	372	9	appeals	appeal	NOUN
cblr-14258	372	10	ruled	rule	VERB
cblr-14258	372	11	that	that	SCONJ
cblr-14258	372	12	the	the	DET
cblr-14258	372	13	following	follow	VERB
cblr-14258	372	14	axioms	axiom	NOUN
cblr-14258	372	15	should	should	AUX
cblr-14258	372	16	be	be	AUX
cblr-14258	372	17	used	use	VERB
cblr-14258	372	18	to	to	PART
cblr-14258	372	19	determine	determine	VERB
cblr-14258	372	20	whether	whether	SCONJ
cblr-14258	372	21	a	a	DET
cblr-14258	372	22	statute	statute	NOUN
cblr-14258	372	23	should	should	AUX
cblr-14258	372	24	be	be	AUX
cblr-14258	372	25	given	give	VERB
cblr-14258	372	26	retroactive	retroactive	ADJ
cblr-14258	372	27	effect	effect	NOUN
cblr-14258	372	28	:	:	PUNCT
cblr-14258	372	29	[	[	X
cblr-14258	372	30	statutory	statutory	ADJ
cblr-14258	372	31	]	]	X
cblr-14258	372	32	amendments	amendment	NOUN
cblr-14258	372	33	are	be	AUX
cblr-14258	372	34	presumed	presume	VERB
cblr-14258	372	35	to	to	PART
cblr-14258	372	36	have	have	VERB
cblr-14258	372	37	prospective	prospective	ADJ
cblr-14258	372	38	application	application	NOUN
cblr-14258	372	39	unless	unless	SCONJ
cblr-14258	372	40	the	the	DET
cblr-14258	372	41	legislature	legislature	NOUN
cblr-14258	372	42	’s	’s	PART
cblr-14258	372	43	preference	preference	NOUN
cblr-14258	372	44	for	for	ADP
cblr-14258	372	45	retroactivity	retroactivity	NOUN
cblr-14258	372	46	is	be	AUX
cblr-14258	372	47	explicitly	explicitly	ADV
cblr-14258	372	48	stated	state	VERB
cblr-14258	372	49	or	or	CCONJ
cblr-14258	372	50	clearly	clearly	ADV
cblr-14258	372	51	indicated	indicate	VERB
cblr-14258	372	52	.	.	PUNCT
cblr-14258	373	1	however	however	ADV
cblr-14258	373	2	,	,	PUNCT
cblr-14258	373	3	remedial	remedial	ADJ
cblr-14258	373	4	legislation	legislation	NOUN
cblr-14258	373	5	should	should	AUX
cblr-14258	373	6	be	be	AUX
cblr-14258	373	7	given	give	VERB
cblr-14258	373	8	retroactive	retroactive	ADJ
cblr-14258	373	9	effect	effect	NOUN
cblr-14258	373	10	in	in	ADP
cblr-14258	373	11	order	order	NOUN
cblr-14258	373	12	to	to	PART
cblr-14258	373	13	effectuate	effectuate	VERB
cblr-14258	373	14	its	its	PRON
cblr-14258	373	15	beneficial	beneficial	ADJ
cblr-14258	373	16	purpose	purpose	NOUN
cblr-14258	373	17	.	.	PUNCT
cblr-14258	374	1	other	other	ADJ
cblr-14258	374	2	factors	factor	NOUN
cblr-14258	374	3	in	in	ADP
cblr-14258	374	4	the	the	DET
cblr-14258	374	5	retroactivity	retroactivity	NOUN
cblr-14258	374	6	analysis	analysis	NOUN
cblr-14258	374	7	include	include	VERB
cblr-14258	374	8	whether	whether	SCONJ
cblr-14258	374	9	the	the	DET
cblr-14258	374	10	legislature	legislature	NOUN
cblr-14258	374	11	has	have	AUX
cblr-14258	374	12	made	make	VERB
cblr-14258	374	13	a	a	DET
cblr-14258	374	14	specific	specific	ADJ
cblr-14258	374	15	pronouncement	pronouncement	NOUN
cblr-14258	374	16	about	about	ADP
cblr-14258	374	17	retroactive	retroactive	ADJ
cblr-14258	374	18	effect	effect	NOUN
cblr-14258	374	19	or	or	CCONJ
cblr-14258	374	20	conveyed	convey	VERB
cblr-14258	374	21	a	a	DET
cblr-14258	374	22	sense	sense	NOUN
cblr-14258	374	23	of	of	ADP
cblr-14258	374	24	urgency	urgency	NOUN
cblr-14258	374	25	;	;	PUNCT
cblr-14258	374	26	whether	whether	SCONJ
cblr-14258	374	27	the	the	DET
cblr-14258	374	28	statute	statute	NOUN
cblr-14258	374	29	was	be	AUX
cblr-14258	374	30	designed	design	VERB
cblr-14258	374	31	to	to	PART
cblr-14258	374	32	rewrite	rewrite	VERB
cblr-14258	374	33	an	an	DET
cblr-14258	374	34	unintended	unintended	ADJ
cblr-14258	374	35	judicial	judicial	ADJ
cblr-14258	374	36	interpretation	interpretation	NOUN
cblr-14258	374	37	;	;	PUNCT
cblr-14258	374	38	and	and	CCONJ
cblr-14258	374	39	whether	whether	SCONJ
cblr-14258	374	40	the	the	DET
cblr-14258	374	41	enactment	enactment	NOUN
cblr-14258	374	42	itself	itself	PRON
cblr-14258	374	43	reaffirms	reaffirm	VERB
cblr-14258	374	44	a	a	DET
cblr-14258	374	45	legislative	legislative	ADJ
cblr-14258	374	46	judgment	judgment	NOUN
cblr-14258	374	47	about	about	ADP
cblr-14258	374	48	what	what	PRON
cblr-14258	374	49	the	the	DET
cblr-14258	374	50	law	law	NOUN
cblr-14258	374	51	in	in	ADP
cblr-14258	374	52	question	question	NOUN
cblr-14258	374	53	should	should	AUX
cblr-14258	374	54	be.105	be.105	VERB
cblr-14258	374	55	it	it	PRON
cblr-14258	374	56	appears	appear	VERB
cblr-14258	374	57	from	from	ADP
cblr-14258	374	58	the	the	DET
cblr-14258	374	59	ruling	ruling	NOUN
cblr-14258	374	60	here	here	ADV
cblr-14258	374	61	that	that	SCONJ
cblr-14258	374	62	the	the	DET
cblr-14258	374	63	matter	matter	NOUN
cblr-14258	374	64	of	of	ADP
cblr-14258	374	65	gleason	gleason	PROPN
cblr-14258	374	66	test	test	NOUN
cblr-14258	374	67	is	be	AUX
cblr-14258	374	68	a	a	DET
cblr-14258	374	69	balancing	balance	VERB
cblr-14258	374	70	test	test	NOUN
cblr-14258	374	71	,	,	PUNCT
cblr-14258	374	72	with	with	ADP
cblr-14258	374	73	no	no	DET
cblr-14258	374	74	factor	factor	NOUN
cblr-14258	374	75	being	be	AUX
cblr-14258	374	76	dispositive	dispositive	ADJ
cblr-14258	374	77	in	in	ADP
cblr-14258	374	78	its	its	PRON
cblr-14258	374	79	application	application	NOUN
cblr-14258	374	80	.	.	PUNCT
cblr-14258	375	1	thus	thus	ADV
cblr-14258	375	2	,	,	PUNCT
cblr-14258	375	3	even	even	ADV
cblr-14258	375	4	if	if	SCONJ
cblr-14258	375	5	the	the	DET
cblr-14258	375	6	legislature	legislature	NOUN
cblr-14258	375	7	has	have	AUX
cblr-14258	375	8	not	not	PART
cblr-14258	375	9	explicitly	explicitly	ADV
cblr-14258	375	10	stated	state	VERB
cblr-14258	375	11	or	or	CCONJ
cblr-14258	375	12	clearly	clearly	ADV
cblr-14258	375	13	indicated	indicate	VERB
cblr-14258	375	14	preference	preference	NOUN
cblr-14258	375	15	for	for	ADP
cblr-14258	375	16	retroactivity	retroactivity	NOUN
cblr-14258	375	17	in	in	ADP
cblr-14258	375	18	the	the	DET
cblr-14258	375	19	bill	bill	NOUN
cblr-14258	375	20	,	,	PUNCT
cblr-14258	375	21	it	it	PRON
cblr-14258	375	22	could	could	AUX
cblr-14258	375	23	still	still	ADV
cblr-14258	375	24	be	be	AUX
cblr-14258	375	25	retroactively	retroactively	ADV
cblr-14258	375	26	applied	apply	VERB
cblr-14258	375	27	.	.	PUNCT
cblr-14258	376	1	this	this	PRON
cblr-14258	376	2	is	be	AUX
cblr-14258	376	3	the	the	DET
cblr-14258	376	4	case	case	NOUN
cblr-14258	376	5	in	in	ADP
cblr-14258	376	6	matter	matter	NOUN
cblr-14258	376	7	of	of	ADP
cblr-14258	376	8	gleason	gleason	PROPN
cblr-14258	376	9	itself	itself	PRON
cblr-14258	376	10	,	,	PUNCT
cblr-14258	376	11	where	where	SCONJ
cblr-14258	376	12	the	the	DET
cblr-14258	376	13	court	court	NOUN
cblr-14258	376	14	reasoned	reason	VERB
cblr-14258	376	15	that	that	SCONJ
cblr-14258	376	16	although	although	SCONJ
cblr-14258	376	17	the	the	DET
cblr-14258	376	18	legislature	legislature	NOUN
cblr-14258	376	19	did	do	AUX
cblr-14258	376	20	not	not	PART
cblr-14258	376	21	state	state	VERB
cblr-14258	376	22	that	that	SCONJ
cblr-14258	376	23	the	the	DET
cblr-14258	376	24	amended	amend	VERB
cblr-14258	376	25	law	law	NOUN
cblr-14258	376	26	at	at	ADP
cblr-14258	376	27	hand	hand	NOUN
cblr-14258	376	28	was	be	AUX
cblr-14258	376	29	to	to	PART
cblr-14258	376	30	have	have	VERB
cblr-14258	376	31	retroactive	retroactive	ADJ
cblr-14258	376	32	effect	effect	NOUN
cblr-14258	376	33	,	,	PUNCT
cblr-14258	376	34	the	the	DET
cblr-14258	376	35	law	law	NOUN
cblr-14258	376	36	’s	’s	PART
cblr-14258	376	37	swift	swift	ADJ
cblr-14258	376	38	enactment	enactment	NOUN
cblr-14258	376	39	after	after	ADP
cblr-14258	376	40	a	a	DET
cblr-14258	376	41	prior	prior	ADJ
cblr-14258	376	42	case	case	NOUN
cblr-14258	376	43	and	and	CCONJ
cblr-14258	376	44	its	its	PRON
cblr-14258	376	45	direction	direction	NOUN
cblr-14258	376	46	that	that	SCONJ
cblr-14258	376	47	the	the	DET
cblr-14258	376	48	amendment	amendment	NOUN
cblr-14258	376	49	was	be	AUX
cblr-14258	376	50	to	to	PART
cblr-14258	376	51	“	"	PUNCT
cblr-14258	376	52	take	take	VERB
cblr-14258	376	53	effect	effect	NOUN
cblr-14258	376	54	immediately	immediately	ADV
cblr-14258	376	55	”	"	PUNCT
cblr-14258	376	56	conveyed	convey	VERB
cblr-14258	376	57	“	"	PUNCT
cblr-14258	376	58	a	a	DET
cblr-14258	376	59	sense	sense	NOUN
cblr-14258	376	60	of	of	ADP
cblr-14258	376	61	urgency	urgency	NOUN
cblr-14258	376	62	.	.	PUNCT
cblr-14258	376	63	”106	”106	PUNCT
cblr-14258	377	1	the	the	DET
cblr-14258	377	2	legislative	legislative	ADJ
cblr-14258	377	3	history	history	NOUN
cblr-14258	377	4	also	also	ADV
cblr-14258	377	5	establishes	establish	VERB
cblr-14258	377	6	that	that	SCONJ
cblr-14258	377	7	the	the	DET
cblr-14258	377	8	purpose	purpose	NOUN
cblr-14258	377	9	of	of	ADP
cblr-14258	377	10	the	the	DET
cblr-14258	377	11	amendment	amendment	NOUN
cblr-14258	377	12	was	be	AUX
cblr-14258	377	13	to	to	PART
cblr-14258	377	14	“	"	PUNCT
cblr-14258	377	15	clarify	clarify	VERB
cblr-14258	377	16	what	what	PRON
cblr-14258	377	17	the	the	DET
cblr-14258	377	18	law	law	NOUN
cblr-14258	377	19	was	be	AUX
cblr-14258	377	20	always	always	ADV
cblr-14258	377	21	meant	mean	VERB
cblr-14258	377	22	to	to	PART
cblr-14258	377	23	do	do	VERB
cblr-14258	377	24	and	and	CCONJ
cblr-14258	377	25	say	say	VERB
cblr-14258	377	26	.	.	PUNCT
cblr-14258	377	27	”107	”107	PUNCT
cblr-14258	378	1	these	these	DET
cblr-14258	378	2	factors	factor	NOUN
cblr-14258	378	3	104	104	NUM
cblr-14258	379	1	i	i	PRON
cblr-14258	379	2	d.	d.	PROPN
cblr-14258	379	3	105	105	NUM
cblr-14258	379	4	in	in	ADP
cblr-14258	379	5	re	re	PROPN
cblr-14258	379	6	gleason	gleason	PROPN
cblr-14258	379	7	(	(	PUNCT
cblr-14258	379	8	michael	michael	PROPN
cblr-14258	379	9	vee	vee	PROPN
cblr-14258	379	10	,	,	PUNCT
cblr-14258	379	11	ltd	ltd	PROPN
cblr-14258	379	12	.	.	PROPN
cblr-14258	379	13	)	)	PUNCT
cblr-14258	379	14	,	,	PUNCT
cblr-14258	379	15	749	749	NUM
cblr-14258	379	16	n.e.2d	n.e.2d	NOUN
cblr-14258	379	17	724	724	NUM
cblr-14258	379	18	,	,	PUNCT
cblr-14258	379	19	726	726	NUM
cblr-14258	379	20	(	(	PUNCT
cblr-14258	379	21	n.y	n.y	PROPN
cblr-14258	379	22	.	.	PROPN
cblr-14258	379	23	2001	2001	NUM
cblr-14258	379	24	)	)	PUNCT
cblr-14258	379	25	.	.	PUNCT
cblr-14258	380	1	106	106	NUM
cblr-14258	381	1	i	i	PRON
cblr-14258	381	2	d.	d.	PROPN
cblr-14258	381	3	107	107	NUM
cblr-14258	382	1	i	i	PRON
cblr-14258	382	2	d.	d.	PROPN
cblr-14258	382	3	at	at	ADP
cblr-14258	382	4	726–27	726–27	PROPN
cblr-14258	382	5	.	.	PUNCT
cblr-14258	383	1	no	no	INTJ
cblr-14258	383	2	.	.	NOUN
cblr-14258	383	3	1	1	NUM
cblr-14258	383	4	]	]	PUNCT
cblr-14258	383	5	retroactive	retroactive	ADJ
cblr-14258	383	6	application	application	NOUN
cblr-14258	383	7	of	of	ADP
cblr-14258	383	8	the	the	DET
cblr-14258	383	9	ny	ny	PROPN
cblr-14258	383	10	fapa	fapa	PROPN
cblr-14258	383	11	641	641	NUM
cblr-14258	383	12	together	together	ADV
cblr-14258	383	13	persuaded	persuade	VERB
cblr-14258	383	14	the	the	DET
cblr-14258	383	15	court	court	NOUN
cblr-14258	383	16	that	that	SCONJ
cblr-14258	383	17	the	the	DET
cblr-14258	383	18	remedial	remedial	ADJ
cblr-14258	383	19	purpose	purpose	NOUN
cblr-14258	383	20	of	of	ADP
cblr-14258	383	21	the	the	DET
cblr-14258	383	22	law	law	NOUN
cblr-14258	383	23	should	should	AUX
cblr-14258	383	24	be	be	AUX
cblr-14258	383	25	effectuated	effectuate	VERB
cblr-14258	383	26	through	through	ADP
cblr-14258	383	27	retroactive	retroactive	ADJ
cblr-14258	383	28	application	application	NOUN
cblr-14258	383	29	.	.	PUNCT
cblr-14258	384	1	in	in	ADP
cblr-14258	384	2	light	light	NOUN
cblr-14258	384	3	of	of	ADP
cblr-14258	384	4	the	the	DET
cblr-14258	384	5	above	above	NOUN
cblr-14258	384	6	,	,	PUNCT
cblr-14258	384	7	although	although	SCONJ
cblr-14258	384	8	it	it	PRON
cblr-14258	384	9	also	also	ADV
cblr-14258	384	10	relied	rely	VERB
cblr-14258	384	11	on	on	ADP
cblr-14258	384	12	the	the	DET
cblr-14258	384	13	matter	matter	NOUN
cblr-14258	384	14	of	of	ADP
cblr-14258	384	15	gleason	gleason	PROPN
cblr-14258	384	16	test	test	PROPN
cblr-14258	384	17	in	in	ADP
cblr-14258	384	18	speller	speller	NOUN
cblr-14258	384	19	,	,	PUNCT
cblr-14258	384	20	the	the	DET
cblr-14258	384	21	putnam	putnam	PROPN
cblr-14258	384	22	county	county	PROPN
cblr-14258	384	23	supreme	supreme	PROPN
cblr-14258	384	24	court	court	PROPN
cblr-14258	384	25	’s	’s	PART
cblr-14258	384	26	application	application	NOUN
cblr-14258	384	27	of	of	ADP
cblr-14258	384	28	the	the	DET
cblr-14258	384	29	test	test	NOUN
cblr-14258	384	30	seems	seem	VERB
cblr-14258	384	31	flawed	flawed	ADJ
cblr-14258	384	32	.	.	PUNCT
cblr-14258	385	1	in	in	ADP
cblr-14258	385	2	its	its	PRON
cblr-14258	385	3	ruling	ruling	NOUN
cblr-14258	385	4	against	against	ADP
cblr-14258	385	5	retroactive	retroactive	ADJ
cblr-14258	385	6	application	application	NOUN
cblr-14258	385	7	,	,	PUNCT
cblr-14258	385	8	the	the	DET
cblr-14258	385	9	court	court	NOUN
cblr-14258	385	10	’s	’s	PART
cblr-14258	385	11	conclusion	conclusion	NOUN
cblr-14258	385	12	that	that	SCONJ
cblr-14258	385	13	fapa	fapa	NOUN
cblr-14258	385	14	is	be	AUX
cblr-14258	385	15	“	"	PUNCT
cblr-14258	385	16	silent	silent	ADJ
cblr-14258	385	17	on	on	ADP
cblr-14258	385	18	the	the	DET
cblr-14258	385	19	issue	issue	NOUN
cblr-14258	385	20	of	of	ADP
cblr-14258	385	21	retroactivity	retroactivity	NOUN
cblr-14258	385	22	”	"	PUNCT
cblr-14258	385	23	and	and	CCONJ
cblr-14258	385	24	that	that	SCONJ
cblr-14258	385	25	there	there	PRON
cblr-14258	385	26	is	be	VERB
cblr-14258	385	27	“	"	PUNCT
cblr-14258	385	28	no	no	DET
cblr-14258	385	29	indication	indication	NOUN
cblr-14258	385	30	whatsoever	whatsoever	ADV
cblr-14258	385	31	”	"	PUNCT
cblr-14258	385	32	that	that	SCONJ
cblr-14258	385	33	the	the	DET
cblr-14258	385	34	legislature	legislature	NOUN
cblr-14258	385	35	contemplated	contemplate	VERB
cblr-14258	385	36	the	the	DET
cblr-14258	385	37	statute	statute	NOUN
cblr-14258	385	38	’s	’s	PART
cblr-14258	385	39	retroactive	retroactive	ADJ
cblr-14258	385	40	impact	impact	NOUN
cblr-14258	385	41	on	on	ADP
cblr-14258	385	42	lenders	lender	NOUN
cblr-14258	385	43	’	'	PUNCT
cblr-14258	385	44	substantive	substantive	ADJ
cblr-14258	385	45	right108	right108	PROPN
cblr-14258	385	46	seems	seem	VERB
cblr-14258	385	47	inconsiderate	inconsiderate	ADJ
cblr-14258	385	48	.	.	PUNCT
cblr-14258	386	1	it	it	PRON
cblr-14258	386	2	is	be	AUX
cblr-14258	386	3	true	true	ADJ
cblr-14258	386	4	that	that	SCONJ
cblr-14258	386	5	the	the	DET
cblr-14258	386	6	sponsor	sponsor	NOUN
cblr-14258	386	7	memo	memo	NOUN
cblr-14258	386	8	does	do	AUX
cblr-14258	386	9	not	not	PART
cblr-14258	386	10	contain	contain	VERB
cblr-14258	386	11	words	word	NOUN
cblr-14258	386	12	like	like	ADP
cblr-14258	386	13	“	"	PUNCT
cblr-14258	386	14	retroactivity	retroactivity	NOUN
cblr-14258	386	15	,	,	PUNCT
cblr-14258	386	16	”	"	PUNCT
cblr-14258	386	17	but	but	CCONJ
cblr-14258	386	18	the	the	DET
cblr-14258	386	19	court	court	NOUN
cblr-14258	386	20	of	of	ADP
cblr-14258	386	21	appeals	appeals	PROPN
cblr-14258	386	22	stressed	stress	VERB
cblr-14258	386	23	that	that	SCONJ
cblr-14258	386	24	“	"	PUNCT
cblr-14258	386	25	there	there	PRON
cblr-14258	386	26	is	be	VERB
cblr-14258	386	27	certainly	certainly	ADV
cblr-14258	386	28	no	no	DET
cblr-14258	386	29	requirement	requirement	NOUN
cblr-14258	386	30	that	that	SCONJ
cblr-14258	386	31	particular	particular	ADJ
cblr-14258	386	32	words	word	NOUN
cblr-14258	386	33	be	be	AUX
cblr-14258	386	34	used	use	VERB
cblr-14258	386	35	—	—	PUNCT
cblr-14258	386	36	and	and	CCONJ
cblr-14258	386	37	,	,	PUNCT
cblr-14258	386	38	in	in	ADP
cblr-14258	386	39	some	some	DET
cblr-14258	386	40	instances	instance	NOUN
cblr-14258	386	41	retroactive	retroactive	VERB
cblr-14258	386	42	intent	intent	NOUN
cblr-14258	386	43	can	can	AUX
cblr-14258	386	44	be	be	AUX
cblr-14258	386	45	discerned	discern	VERB
cblr-14258	386	46	from	from	ADP
cblr-14258	386	47	the	the	DET
cblr-14258	386	48	nature	nature	NOUN
cblr-14258	386	49	of	of	ADP
cblr-14258	386	50	the	the	DET
cblr-14258	386	51	legislation	legislation	NOUN
cblr-14258	386	52	.	.	PUNCT
cblr-14258	387	1	”109	”109	VERB
cblr-14258	387	2	intent	intent	ADJ
cblr-14258	387	3	for	for	ADP
cblr-14258	387	4	retroactive	retroactive	ADJ
cblr-14258	387	5	application	application	NOUN
cblr-14258	387	6	can	can	AUX
cblr-14258	387	7	in	in	ADP
cblr-14258	387	8	fact	fact	NOUN
cblr-14258	387	9	be	be	AUX
cblr-14258	387	10	discerned	discern	VERB
cblr-14258	387	11	from	from	ADP
cblr-14258	387	12	other	other	ADJ
cblr-14258	387	13	parts	part	NOUN
cblr-14258	387	14	of	of	ADP
cblr-14258	387	15	the	the	DET
cblr-14258	387	16	bill	bill	NOUN
cblr-14258	387	17	.	.	PUNCT
cblr-14258	388	1	for	for	ADP
cblr-14258	388	2	example	example	NOUN
cblr-14258	388	3	,	,	PUNCT
cblr-14258	388	4	the	the	DET
cblr-14258	388	5	language	language	NOUN
cblr-14258	388	6	in	in	ADP
cblr-14258	388	7	section	section	NOUN
cblr-14258	388	8	10	10	NUM
cblr-14258	388	9	states	state	NOUN
cblr-14258	388	10	that	that	SCONJ
cblr-14258	388	11	the	the	DET
cblr-14258	388	12	act	act	NOUN
cblr-14258	388	13	“	"	PUNCT
cblr-14258	388	14	shall	shall	AUX
cblr-14258	388	15	take	take	VERB
cblr-14258	388	16	effect	effect	NOUN
cblr-14258	388	17	immediately	immediately	ADV
cblr-14258	388	18	and	and	CCONJ
cblr-14258	388	19	shall	shall	AUX
cblr-14258	388	20	apply	apply	VERB
cblr-14258	388	21	to	to	ADP
cblr-14258	388	22	all	all	PRON
cblr-14258	388	23	.	.	PUNCT
cblr-14258	388	24	.	.	PUNCT
cblr-14258	388	25	.	.	PUNCT
cblr-14258	389	1	actions	action	NOUN
cblr-14258	389	2	in	in	ADP
cblr-14258	389	3	which	which	PRON
cblr-14258	389	4	a	a	DET
cblr-14258	389	5	final	final	ADJ
cblr-14258	389	6	judgment	judgment	NOUN
cblr-14258	389	7	of	of	ADP
cblr-14258	389	8	foreclosure	foreclosure	NOUN
cblr-14258	389	9	and	and	CCONJ
cblr-14258	389	10	sale	sale	NOUN
cblr-14258	389	11	has	have	AUX
cblr-14258	389	12	not	not	PART
cblr-14258	389	13	been	be	AUX
cblr-14258	389	14	enforced	enforce	VERB
cblr-14258	389	15	.	.	PUNCT
cblr-14258	390	1	”110	”110	PROPN
cblr-14258	390	2	this	this	PRON
cblr-14258	390	3	strongly	strongly	ADV
cblr-14258	390	4	indicates	indicate	VERB
cblr-14258	390	5	that	that	SCONJ
cblr-14258	390	6	the	the	DET
cblr-14258	390	7	legislature	legislature	NOUN
cblr-14258	390	8	at	at	ADP
cblr-14258	390	9	least	least	ADV
cblr-14258	390	10	intended	intend	VERB
cblr-14258	390	11	or	or	CCONJ
cblr-14258	390	12	knew	know	VERB
cblr-14258	390	13	that	that	SCONJ
cblr-14258	390	14	fapa	fapa	NOUN
cblr-14258	390	15	would	would	AUX
cblr-14258	390	16	be	be	AUX
cblr-14258	390	17	applied	apply	VERB
cblr-14258	390	18	retroactively	retroactively	ADV
cblr-14258	390	19	to	to	ADP
cblr-14258	390	20	some	some	DET
cblr-14258	390	21	if	if	SCONJ
cblr-14258	390	22	not	not	PART
cblr-14258	390	23	most	most	ADV
cblr-14258	390	24	pending	pende	VERB
cblr-14258	390	25	actions	action	NOUN
cblr-14258	390	26	.	.	PUNCT
cblr-14258	391	1	to	to	PART
cblr-14258	391	2	say	say	VERB
cblr-14258	391	3	that	that	SCONJ
cblr-14258	391	4	there	there	PRON
cblr-14258	391	5	is	be	VERB
cblr-14258	391	6	no	no	DET
cblr-14258	391	7	intention	intention	NOUN
cblr-14258	391	8	or	or	CCONJ
cblr-14258	391	9	consideration	consideration	NOUN
cblr-14258	391	10	for	for	ADP
cblr-14258	391	11	retroactivity	retroactivity	NOUN
cblr-14258	391	12	at	at	ADV
cblr-14258	391	13	all	all	ADV
cblr-14258	391	14	on	on	ADP
cblr-14258	391	15	the	the	DET
cblr-14258	391	16	legislature	legislature	NOUN
cblr-14258	391	17	’s	’s	PART
cblr-14258	391	18	part	part	NOUN
cblr-14258	391	19	is	be	AUX
cblr-14258	391	20	thus	thus	ADV
cblr-14258	391	21	misguided	misguided	ADJ
cblr-14258	391	22	.	.	PUNCT
cblr-14258	392	1	in	in	ADP
cblr-14258	392	2	addition	addition	NOUN
cblr-14258	392	3	,	,	PUNCT
cblr-14258	392	4	the	the	DET
cblr-14258	392	5	queens	queen	NOUN
cblr-14258	392	6	county	county	PROPN
cblr-14258	392	7	supreme	supreme	PROPN
cblr-14258	392	8	court	court	PROPN
cblr-14258	392	9	found	find	VERB
cblr-14258	392	10	that	that	SCONJ
cblr-14258	392	11	the	the	DET
cblr-14258	392	12	word	word	NOUN
cblr-14258	392	13	“	"	PUNCT
cblr-14258	392	14	retroactive	retroactive	ADJ
cblr-14258	392	15	”	"	PUNCT
cblr-14258	392	16	is	be	AUX
cblr-14258	392	17	in	in	ADP
cblr-14258	392	18	fact	fact	NOUN
cblr-14258	392	19	stated	state	VERB
cblr-14258	392	20	multiple	multiple	ADJ
cblr-14258	392	21	times	time	NOUN
cblr-14258	392	22	in	in	ADP
cblr-14258	392	23	the	the	DET
cblr-14258	392	24	bill	bill	NOUN
cblr-14258	392	25	jacket	jacket	NOUN
cblr-14258	392	26	,	,	PUNCT
cblr-14258	392	27	and	and	CCONJ
cblr-14258	392	28	the	the	DET
cblr-14258	392	29	bill	bill	NOUN
cblr-14258	392	30	’s	’s	PART
cblr-14258	392	31	title	title	NOUN
cblr-14258	392	32	—	—	PUNCT
cblr-14258	392	33	foreclosure	foreclosure	NOUN
cblr-14258	392	34	abuse	abuse	NOUN
cblr-14258	392	35	prevention	prevention	NOUN
cblr-14258	392	36	act	act	PROPN
cblr-14258	392	37	—	—	PUNCT
cblr-14258	392	38	also	also	ADV
cblr-14258	392	39	helps	help	VERB
cblr-14258	392	40	demonstrate	demonstrate	VERB
cblr-14258	392	41	the	the	DET
cblr-14258	392	42	legislature	legislature	NOUN
cblr-14258	392	43	’s	’s	PART
cblr-14258	392	44	intent	intent	NOUN
cblr-14258	392	45	to	to	PART
cblr-14258	392	46	prevent	prevent	VERB
cblr-14258	392	47	all	all	DET
cblr-14258	392	48	foreclosure	foreclosure	NOUN
cblr-14258	392	49	abuse	abuse	NOUN
cblr-14258	392	50	,	,	PUNCT
cblr-14258	392	51	not	not	PART
cblr-14258	392	52	just	just	ADV
cblr-14258	392	53	prospective	prospective	ADJ
cblr-14258	392	54	ones	one	NOUN
cblr-14258	392	55	“	"	PUNCT
cblr-14258	392	56	that	that	PRON
cblr-14258	392	57	occur	occur	VERB
cblr-14258	392	58	on	on	ADP
cblr-14258	392	59	newly	newly	ADV
cblr-14258	392	60	commenced	commence	VERB
cblr-14258	392	61	actions	action	NOUN
cblr-14258	392	62	.	.	PUNCT
cblr-14258	392	63	”111	”111	ADP
cblr-14258	392	64	these	these	DET
cblr-14258	392	65	evidence	evidence	NOUN
cblr-14258	392	66	show	show	VERB
cblr-14258	392	67	that	that	SCONJ
cblr-14258	392	68	the	the	DET
cblr-14258	392	69	108	108	NUM
cblr-14258	392	70	u.s	u.s	PROPN
cblr-14258	392	71	.	.	PROPN
cblr-14258	392	72	bank	bank	PROPN
cblr-14258	392	73	nat’l	nat’l	VERB
cblr-14258	392	74	ass’n	ass’n	PROPN
cblr-14258	392	75	v.	v.	CCONJ
cblr-14258	392	76	speller	speller	NOUN
cblr-14258	392	77	,	,	PUNCT
cblr-14258	392	78	197	197	NUM
cblr-14258	392	79	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	392	80	925	925	NUM
cblr-14258	392	81	(	(	PUNCT
cblr-14258	392	82	table	table	NOUN
cblr-14258	392	83	)	)	PUNCT
cblr-14258	392	84	,	,	PUNCT
cblr-14258	392	85	at	at	ADP
cblr-14258	392	86	*	*	NUM
cblr-14258	392	87	17	17	NUM
cblr-14258	392	88	(	(	PUNCT
cblr-14258	392	89	n.y	n.y	PROPN
cblr-14258	392	90	.	.	PROPN
cblr-14258	392	91	sup	sup	PROPN
cblr-14258	392	92	.	.	PUNCT
cblr-14258	393	1	ct	ct	PROPN
cblr-14258	393	2	.	.	PUNCT
cblr-14258	393	3	oct	oct	PROPN
cblr-14258	393	4	.	.	PROPN
cblr-14258	393	5	31	31	NUM
cblr-14258	393	6	,	,	PUNCT
cblr-14258	393	7	2023	2023	NUM
cblr-14258	393	8	)	)	PUNCT
cblr-14258	393	9	.	.	PUNCT
cblr-14258	394	1	109	109	NUM
cblr-14258	394	2	regina	regina	PROPN
cblr-14258	394	3	metro	metro	PROPN
cblr-14258	394	4	.	.	PUNCT
cblr-14258	394	5	co.	co.	PROPN
cblr-14258	394	6	,	,	PUNCT
cblr-14258	394	7	llc	llc	PROPN
cblr-14258	394	8	v.	v.	PROPN
cblr-14258	394	9	n.y	n.y	PROPN
cblr-14258	394	10	.	.	PROPN
cblr-14258	394	11	state	state	PROPN
cblr-14258	394	12	div	div	PROPN
cblr-14258	394	13	.	.	PUNCT
cblr-14258	394	14	of	of	ADP
cblr-14258	394	15	hous	hous	ADJ
cblr-14258	394	16	.	.	PUNCT
cblr-14258	394	17	&	&	CCONJ
cblr-14258	394	18	community	community	PROPN
cblr-14258	394	19	renewal	renewal	PROPN
cblr-14258	394	20	,	,	PUNCT
cblr-14258	394	21	154	154	NUM
cblr-14258	394	22	n.e.3d	n.e.3d	NUM
cblr-14258	394	23	972	972	NUM
cblr-14258	394	24	,	,	PUNCT
cblr-14258	394	25	991	991	NUM
cblr-14258	394	26	(	(	PUNCT
cblr-14258	394	27	n.y	n.y	PROPN
cblr-14258	394	28	.	.	PROPN
cblr-14258	394	29	2020	2020	NUM
cblr-14258	394	30	)	)	PUNCT
cblr-14258	394	31	.	.	PUNCT
cblr-14258	395	1	110	110	NUM
cblr-14258	395	2	s.b	s.b	PROPN
cblr-14258	395	3	.	.	PUNCT
cblr-14258	396	1	s5473d	s5473d	PROPN
cblr-14258	396	2	§	§	PROPN
cblr-14258	396	3	10	10	NUM
cblr-14258	396	4	(	(	PUNCT
cblr-14258	396	5	n.y	n.y	PROPN
cblr-14258	396	6	.	.	PROPN
cblr-14258	396	7	2021	2021	NUM
cblr-14258	396	8	)	)	PUNCT
cblr-14258	396	9	.	.	PUNCT
cblr-14258	397	1	111	111	NUM
cblr-14258	397	2	ditech	ditech	NOUN
cblr-14258	397	3	fin	fin	NOUN
cblr-14258	397	4	.	.	PUNCT
cblr-14258	398	1	llc	llc	PROPN
cblr-14258	398	2	v.	v.	PROPN
cblr-14258	398	3	naidu	naidu	PROPN
cblr-14258	398	4	,	,	PUNCT
cblr-14258	398	5	206	206	NUM
cblr-14258	398	6	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	398	7	441	441	NUM
cblr-14258	398	8	,	,	PUNCT
cblr-14258	398	9	457	457	NUM
cblr-14258	398	10	(	(	PUNCT
cblr-14258	398	11	n.y	n.y	PROPN
cblr-14258	398	12	.	.	PROPN
cblr-14258	398	13	sup	sup	PROPN
cblr-14258	398	14	.	.	PUNCT
cblr-14258	399	1	ct	ct	NUM
cblr-14258	399	2	.	.	NOUN
cblr-14258	399	3	2023	2023	NUM
cblr-14258	399	4	)	)	PUNCT
cblr-14258	400	1	(	(	PUNCT
cblr-14258	400	2	quoting	quote	VERB
cblr-14258	400	3	dubin	dubin	PROPN
cblr-14258	400	4	v.	v.	PROPN
cblr-14258	400	5	united	united	PROPN
cblr-14258	400	6	states	states	PROPN
cblr-14258	400	7	,	,	PUNCT
cblr-14258	400	8	599	599	NUM
cblr-14258	400	9	u.s	u.s	PROPN
cblr-14258	400	10	.	.	PROPN
cblr-14258	400	11	110	110	NUM
cblr-14258	400	12	,	,	PUNCT
cblr-14258	400	13	120–21	120–21	NUM
cblr-14258	400	14	(	(	PUNCT
cblr-14258	400	15	2023	2023	NUM
cblr-14258	400	16	)	)	PUNCT
cblr-14258	400	17	,	,	PUNCT
cblr-14258	400	18	that	that	SCONJ
cblr-14258	400	19	the	the	DET
cblr-14258	400	20	united	united	PROPN
cblr-14258	400	21	states	states	PROPN
cblr-14258	400	22	supreme	supreme	PROPN
cblr-14258	400	23	court	court	PROPN
cblr-14258	400	24	has	have	AUX
cblr-14258	400	25	“	"	PUNCT
cblr-14258	400	26	long	long	ADV
cblr-14258	400	27	considered	consider	VERB
cblr-14258	400	28	that	that	SCONJ
cblr-14258	400	29	the	the	DET
cblr-14258	400	30	title	title	NOUN
cblr-14258	400	31	of	of	ADP
cblr-14258	400	32	a	a	DET
cblr-14258	400	33	statute	statute	NOUN
cblr-14258	400	34	and	and	CCONJ
cblr-14258	400	35	the	the	DET
cblr-14258	400	36	heading	heading	NOUN
cblr-14258	400	37	of	of	ADP
cblr-14258	400	38	a	a	DET
cblr-14258	400	39	section	section	NOUN
cblr-14258	400	40	are	be	AUX
cblr-14258	400	41	tools	tool	NOUN
cblr-14258	400	42	available	available	ADJ
cblr-14258	400	43	for	for	ADP
cblr-14258	400	44	the	the	DET
cblr-14258	400	45	resolution	resolution	NOUN
cblr-14258	400	46	of	of	ADP
cblr-14258	400	47	a	a	DET
cblr-14258	400	48	doubt	doubt	NOUN
cblr-14258	400	49	about	about	ADP
cblr-14258	400	50	the	the	DET
cblr-14258	400	51	meaning	meaning	NOUN
cblr-14258	400	52	of	of	ADP
cblr-14258	400	53	a	a	DET
cblr-14258	400	54	statute	statute	NOUN
cblr-14258	400	55	.	.	PUNCT
cblr-14258	400	56	”	"	PUNCT
cblr-14258	400	57	)	)	PUNCT
cblr-14258	400	58	.	.	PUNCT
cblr-14258	401	1	however	however	ADV
cblr-14258	401	2	,	,	PUNCT
cblr-14258	401	3	642	642	NUM
cblr-14258	401	4	columbia	columbia	PROPN
cblr-14258	401	5	business	business	NOUN
cblr-14258	401	6	law	law	PROPN
cblr-14258	401	7	review	review	NOUN
cblr-14258	401	8	[	[	X
cblr-14258	401	9	vol	vol	NOUN
cblr-14258	401	10	.	.	PUNCT
cblr-14258	401	11	2025	2025	NUM
cblr-14258	401	12	legislature	legislature	NOUN
cblr-14258	401	13	intended	intend	VERB
cblr-14258	401	14	retroactive	retroactive	ADJ
cblr-14258	401	15	application	application	NOUN
cblr-14258	401	16	as	as	ADP
cblr-14258	401	17	an	an	DET
cblr-14258	401	18	integral	integral	ADJ
cblr-14258	401	19	component	component	NOUN
cblr-14258	401	20	for	for	ADP
cblr-14258	401	21	the	the	DET
cblr-14258	401	22	full	full	ADJ
cblr-14258	401	23	achievement	achievement	NOUN
cblr-14258	401	24	of	of	ADP
cblr-14258	401	25	fapa	fapa	NOUN
cblr-14258	401	26	’s	’s	PART
cblr-14258	401	27	fundamental	fundamental	ADJ
cblr-14258	401	28	purpose	purpose	NOUN
cblr-14258	401	29	,	,	PUNCT
cblr-14258	401	30	and	and	CCONJ
cblr-14258	401	31	such	such	ADJ
cblr-14258	401	32	intention	intention	NOUN
cblr-14258	401	33	is	be	AUX
cblr-14258	401	34	far	far	ADV
cblr-14258	401	35	from	from	ADP
cblr-14258	401	36	unclear	unclear	ADJ
cblr-14258	401	37	.	.	PUNCT
cblr-14258	402	1	the	the	DET
cblr-14258	402	2	putnam	putnam	PROPN
cblr-14258	402	3	county	county	PROPN
cblr-14258	402	4	supreme	supreme	PROPN
cblr-14258	402	5	court	court	PROPN
cblr-14258	402	6	,	,	PUNCT
cblr-14258	402	7	when	when	SCONJ
cblr-14258	402	8	applying	apply	VERB
cblr-14258	402	9	the	the	DET
cblr-14258	402	10	matter	matter	NOUN
cblr-14258	402	11	of	of	ADP
cblr-14258	402	12	gleason	gleason	PROPN
cblr-14258	402	13	analysis	analysis	NOUN
cblr-14258	402	14	,	,	PUNCT
cblr-14258	402	15	also	also	ADV
cblr-14258	402	16	argued	argue	VERB
cblr-14258	402	17	that	that	SCONJ
cblr-14258	402	18	fapa	fapa	NOUN
cblr-14258	402	19	fails	fail	VERB
cblr-14258	402	20	the	the	DET
cblr-14258	402	21	last	last	ADJ
cblr-14258	402	22	factor	factor	NOUN
cblr-14258	402	23	of	of	ADP
cblr-14258	402	24	the	the	DET
cblr-14258	402	25	test	test	NOUN
cblr-14258	402	26	because	because	SCONJ
cblr-14258	402	27	the	the	DET
cblr-14258	402	28	amendment	amendment	NOUN
cblr-14258	402	29	does	do	AUX
cblr-14258	402	30	not	not	PART
cblr-14258	402	31	clarify	clarify	VERB
cblr-14258	402	32	what	what	PRON
cblr-14258	402	33	the	the	DET
cblr-14258	402	34	law	law	NOUN
cblr-14258	402	35	was	be	AUX
cblr-14258	402	36	always	always	ADV
cblr-14258	402	37	meant	mean	VERB
cblr-14258	402	38	to	to	PART
cblr-14258	402	39	do	do	VERB
cblr-14258	402	40	and	and	CCONJ
cblr-14258	402	41	say	say	VERB
cblr-14258	402	42	but	but	CCONJ
cblr-14258	402	43	rather	rather	ADV
cblr-14258	402	44	changed	change	VERB
cblr-14258	402	45	the	the	DET
cblr-14258	402	46	longstanding	longstanding	ADJ
cblr-14258	402	47	law	law	NOUN
cblr-14258	402	48	and	and	CCONJ
cblr-14258	402	49	created	create	VERB
cblr-14258	402	50	new	new	ADJ
cblr-14258	402	51	limits	limit	NOUN
cblr-14258	402	52	on	on	ADP
cblr-14258	402	53	when	when	SCONJ
cblr-14258	402	54	a	a	DET
cblr-14258	402	55	cause	cause	NOUN
cblr-14258	402	56	of	of	ADP
cblr-14258	402	57	action	action	NOUN
cblr-14258	402	58	to	to	PART
cblr-14258	402	59	foreclose	foreclose	VERB
cblr-14258	402	60	a	a	DET
cblr-14258	402	61	mortgage	mortgage	NOUN
cblr-14258	402	62	accrues.112	accrues.112	NOUN
cblr-14258	402	63	the	the	DET
cblr-14258	402	64	court	court	NOUN
cblr-14258	402	65	’s	’s	PART
cblr-14258	402	66	analysis	analysis	NOUN
cblr-14258	402	67	here	here	ADV
cblr-14258	402	68	has	have	AUX
cblr-14258	402	69	merit	merit	NOUN
cblr-14258	402	70	and	and	CCONJ
cblr-14258	402	71	identifies	identify	VERB
cblr-14258	402	72	a	a	DET
cblr-14258	402	73	consideration	consideration	NOUN
cblr-14258	402	74	not	not	PART
cblr-14258	402	75	raised	raise	VERB
cblr-14258	402	76	by	by	ADP
cblr-14258	402	77	the	the	DET
cblr-14258	402	78	other	other	ADJ
cblr-14258	402	79	courts	court	NOUN
cblr-14258	402	80	.	.	PUNCT
cblr-14258	403	1	the	the	DET
cblr-14258	403	2	senate	senate	PROPN
cblr-14258	403	3	sponsor	sponsor	NOUN
cblr-14258	403	4	stated	state	VERB
cblr-14258	403	5	that	that	SCONJ
cblr-14258	403	6	the	the	DET
cblr-14258	403	7	general	general	ADJ
cblr-14258	403	8	obligation	obligation	NOUN
cblr-14258	403	9	law	law	NOUN
cblr-14258	403	10	(	(	PUNCT
cblr-14258	403	11	“	"	PUNCT
cblr-14258	403	12	gol	gol	X
cblr-14258	403	13	”	"	PUNCT
cblr-14258	403	14	)	)	PUNCT
cblr-14258	403	15	section	section	NOUN
cblr-14258	403	16	17	17	NUM
cblr-14258	403	17	-	-	SYM
cblr-14258	403	18	105	105	NUM
cblr-14258	403	19	,	,	PUNCT
cblr-14258	403	20	which	which	PRON
cblr-14258	403	21	was	be	AUX
cblr-14258	403	22	enacted	enact	VERB
cblr-14258	403	23	in	in	ADP
cblr-14258	403	24	1963	1963	NUM
cblr-14258	403	25	and	and	CCONJ
cblr-14258	403	26	was	be	AUX
cblr-14258	403	27	amended	amend	VERB
cblr-14258	403	28	by	by	ADP
cblr-14258	403	29	fapa	fapa	NOUN
cblr-14258	403	30	,	,	PUNCT
cblr-14258	403	31	provided	provide	VERB
cblr-14258	403	32	at	at	ADP
cblr-14258	403	33	its	its	PRON
cblr-14258	403	34	original	original	ADJ
cblr-14258	403	35	enactment	enactment	NOUN
cblr-14258	403	36	“	"	PUNCT
cblr-14258	403	37	the	the	DET
cblr-14258	403	38	exclusive	exclusive	ADJ
cblr-14258	403	39	means	mean	NOUN
cblr-14258	403	40	by	by	ADP
cblr-14258	403	41	which	which	PRON
cblr-14258	403	42	parties	party	NOUN
cblr-14258	403	43	to	to	ADP
cblr-14258	403	44	a	a	DET
cblr-14258	403	45	mortgage	mortgage	NOUN
cblr-14258	403	46	may	may	AUX
cblr-14258	403	47	agree	agree	VERB
cblr-14258	403	48	”	"	PUNCT
cblr-14258	403	49	to	to	PART
cblr-14258	403	50	change	change	VERB
cblr-14258	403	51	the	the	DET
cblr-14258	403	52	statute	statute	NOUN
cblr-14258	403	53	of	of	ADP
cblr-14258	403	54	limitations	limitation	NOUN
cblr-14258	403	55	and	and	CCONJ
cblr-14258	403	56	that	that	SCONJ
cblr-14258	403	57	engel	engel	PROPN
cblr-14258	403	58	distorts	distort	VERB
cblr-14258	403	59	such	such	ADJ
cblr-14258	403	60	intention	intention	NOUN
cblr-14258	403	61	by	by	ADP
cblr-14258	403	62	allowing	allow	VERB
cblr-14258	403	63	voluntary	voluntary	ADJ
cblr-14258	403	64	discontinuance	discontinuance	NOUN
cblr-14258	403	65	to	to	PART
cblr-14258	403	66	affect	affect	VERB
cblr-14258	403	67	the	the	DET
cblr-14258	403	68	statute	statute	NOUN
cblr-14258	403	69	of	of	ADP
cblr-14258	403	70	limitations	limitation	NOUN
cblr-14258	403	71	;	;	PUNCT
cblr-14258	403	72	fapa	fapa	NOUN
cblr-14258	403	73	thus	thus	ADV
cblr-14258	403	74	serves	serve	VERB
cblr-14258	403	75	to	to	PART
cblr-14258	403	76	clarify	clarify	VERB
cblr-14258	403	77	and	and	CCONJ
cblr-14258	403	78	restore	restore	VERB
cblr-14258	403	79	this	this	DET
cblr-14258	403	80	original	original	ADJ
cblr-14258	403	81	intention.113	intention.113	NOUN
cblr-14258	403	82	however	however	ADV
cblr-14258	403	83	,	,	PUNCT
cblr-14258	403	84	the	the	DET
cblr-14258	403	85	putnam	putnam	PROPN
cblr-14258	403	86	county	county	PROPN
cblr-14258	403	87	court	court	NOUN
cblr-14258	403	88	noted	note	VERB
cblr-14258	403	89	that	that	SCONJ
cblr-14258	403	90	in	in	ADP
cblr-14258	403	91	practice	practice	NOUN
cblr-14258	403	92	,	,	PUNCT
cblr-14258	403	93	the	the	DET
cblr-14258	403	94	state	state	NOUN
cblr-14258	403	95	judiciary	judiciary	NOUN
cblr-14258	403	96	had	have	AUX
cblr-14258	403	97	consistently	consistently	ADV
cblr-14258	403	98	allowed	allow	VERB
cblr-14258	403	99	tolling	tolling	NOUN
cblr-14258	403	100	or	or	CCONJ
cblr-14258	403	101	resetting	resetting	NOUN
cblr-14258	403	102	of	of	ADP
cblr-14258	403	103	the	the	DET
cblr-14258	403	104	statute	statute	NOUN
cblr-14258	403	105	of	of	ADP
cblr-14258	403	106	limitations	limitation	NOUN
cblr-14258	403	107	by	by	ADP
cblr-14258	403	108	a	a	DET
cblr-14258	403	109	lender	lender	NOUN
cblr-14258	403	110	’s	’s	PART
cblr-14258	403	111	unilateral	unilateral	ADJ
cblr-14258	403	112	act	act	NOUN
cblr-14258	403	113	of	of	ADP
cblr-14258	403	114	revocation	revocation	NOUN
cblr-14258	403	115	and	and	CCONJ
cblr-14258	403	116	“	"	PUNCT
cblr-14258	403	117	understood	understand	VERB
cblr-14258	403	118	that	that	SCONJ
cblr-14258	403	119	nothing	nothing	PRON
cblr-14258	403	120	in	in	ADP
cblr-14258	403	121	gol	gol	PROPN
cblr-14258	403	122	§	§	PROPN
cblr-14258	403	123	17	17	NUM
cblr-14258	403	124	-	-	SYM
cblr-14258	403	125	105	105	NUM
cblr-14258	403	126	as	as	SCONJ
cblr-14258	403	127	enacted	enact	VERB
cblr-14258	403	128	in	in	ADP
cblr-14258	403	129	1963	1963	NUM
cblr-14258	403	130	precluded	preclude	VERB
cblr-14258	403	131	the	the	DET
cblr-14258	403	132	cancelling	cancelling	NOUN
cblr-14258	403	133	or	or	CCONJ
cblr-14258	403	134	resetting	resetting	NOUN
cblr-14258	403	135	of	of	ADP
cblr-14258	403	136	the	the	DET
cblr-14258	403	137	statute	statute	NOUN
cblr-14258	403	138	of	of	ADP
cblr-14258	403	139	limitations	limitation	NOUN
cblr-14258	403	140	.	.	PUNCT
cblr-14258	403	141	.	.	PUNCT
cblr-14258	404	1	.	.	PUNCT
cblr-14258	405	1	upon	upon	SCONJ
cblr-14258	405	2	the	the	DET
cblr-14258	405	3	lender	lender	NOUN
cblr-14258	405	4	’s	’s	PART
cblr-14258	405	5	revocation	revocation	NOUN
cblr-14258	405	6	of	of	ADP
cblr-14258	405	7	its	its	PRON
cblr-14258	405	8	election	election	NOUN
cblr-14258	405	9	to	to	PART
cblr-14258	405	10	accelerate	accelerate	VERB
cblr-14258	405	11	the	the	DET
cblr-14258	405	12	debt	debt	NOUN
cblr-14258	405	13	.	.	PUNCT
cblr-14258	405	14	”114	”114	PUNCT
cblr-14258	406	1	as	as	ADP
cblr-14258	406	2	a	a	DET
cblr-14258	406	3	result	result	NOUN
cblr-14258	406	4	,	,	PUNCT
cblr-14258	406	5	the	the	DET
cblr-14258	406	6	court	court	NOUN
cblr-14258	406	7	reasoned	reason	VERB
cblr-14258	406	8	that	that	SCONJ
cblr-14258	406	9	fapa	fapa	NOUN
cblr-14258	406	10	does	do	AUX
cblr-14258	406	11	not	not	PART
cblr-14258	406	12	merely	merely	ADV
cblr-14258	406	13	“	"	PUNCT
cblr-14258	406	14	clarify	clarify	VERB
cblr-14258	406	15	”	"	PUNCT
cblr-14258	406	16	existing	exist	VERB
cblr-14258	406	17	law	law	NOUN
cblr-14258	406	18	but	but	CCONJ
cblr-14258	406	19	makes	make	VERB
cblr-14258	406	20	a	a	DET
cblr-14258	406	21	“	"	PUNCT
cblr-14258	406	22	wholesale	wholesale	ADJ
cblr-14258	406	23	change	change	NOUN
cblr-14258	406	24	”	"	PUNCT
cblr-14258	406	25	overriding	override	VERB
cblr-14258	406	26	decades	decade	NOUN
cblr-14258	406	27	of	of	ADP
cblr-14258	406	28	new	new	PROPN
cblr-14258	406	29	york	york	PROPN
cblr-14258	406	30	case	case	NOUN
cblr-14258	406	31	precedent	precedent	NOUN
cblr-14258	406	32	by	by	ADP
cblr-14258	406	33	,	,	PUNCT
cblr-14258	406	34	according	accord	VERB
cblr-14258	406	35	to	to	ADP
cblr-14258	406	36	other	other	ADJ
cblr-14258	406	37	parts	part	NOUN
cblr-14258	406	38	of	of	ADP
cblr-14258	406	39	the	the	DET
cblr-14258	406	40	language	language	NOUN
cblr-14258	406	41	of	of	ADP
cblr-14258	406	42	the	the	DET
cblr-14258	406	43	memo	memo	NOUN
cblr-14258	406	44	in	in	ADP
cblr-14258	406	45	support	support	NOUN
cblr-14258	406	46	of	of	ADP
cblr-14258	406	47	legislation	legislation	NOUN
cblr-14258	406	48	itself	itself	PRON
cblr-14258	406	49	,	,	PUNCT
cblr-14258	406	50	not	not	PART
cblr-14258	406	51	merely	merely	ADV
cblr-14258	406	52	clarifications	clarification	NOUN
cblr-14258	406	53	but	but	CCONJ
cblr-14258	406	54	also	also	ADV
cblr-14258	406	55	“	"	PUNCT
cblr-14258	406	56	changings	changing	NOUN
cblr-14258	406	57	[	[	X
cblr-14258	406	58	sic	sic	ADJ
cblr-14258	406	59	]	]	PUNCT
cblr-14258	406	60	to	to	ADP
cblr-14258	406	61	the	the	DET
cblr-14258	406	62	general	general	ADJ
cblr-14258	406	63	obligations	obligation	NOUN
cblr-14258	406	64	law	law	NOUN
cblr-14258	406	65	to	to	PART
cblr-14258	406	66	create	create	VERB
cblr-14258	406	67	clear	clear	ADJ
cblr-14258	406	68	limits	limit	NOUN
cblr-14258	406	69	on	on	ADP
cblr-14258	406	70	when	when	SCONJ
cblr-14258	406	71	a	a	DET
cblr-14258	406	72	cause	cause	NOUN
cblr-14258	406	73	of	of	ADP
cblr-14258	406	74	action	action	NOUN
cblr-14258	406	75	to	to	PART
cblr-14258	406	76	foreclose	foreclose	VERB
cblr-14258	406	77	a	a	DET
cblr-14258	406	78	mortgage	mortgage	NOUN
cblr-14258	406	79	accrues	accrue	NOUN
cblr-14258	406	80	.	.	PUNCT
cblr-14258	406	81	”115	”115	PROPN
cblr-14258	407	1	some	some	PRON
cblr-14258	407	2	may	may	AUX
cblr-14258	407	3	reasonably	reasonably	ADV
cblr-14258	407	4	argue	argue	VERB
cblr-14258	407	5	that	that	SCONJ
cblr-14258	407	6	the	the	DET
cblr-14258	407	7	term	term	NOUN
cblr-14258	407	8	“	"	PUNCT
cblr-14258	407	9	prevention	prevention	NOUN
cblr-14258	407	10	,	,	PUNCT
cblr-14258	407	11	”	"	PUNCT
cblr-14258	407	12	due	due	ADP
cblr-14258	407	13	to	to	ADP
cblr-14258	407	14	its	its	PRON
cblr-14258	407	15	forward	forward	ADV
cblr-14258	407	16	-	-	PUNCT
cblr-14258	407	17	looking	look	VERB
cblr-14258	407	18	meaning	meaning	NOUN
cblr-14258	407	19	,	,	PUNCT
cblr-14258	407	20	only	only	ADV
cblr-14258	407	21	applies	apply	VERB
cblr-14258	407	22	to	to	ADP
cblr-14258	407	23	abuses	abuse	NOUN
cblr-14258	407	24	in	in	ADP
cblr-14258	407	25	future	future	ADJ
cblr-14258	407	26	actions	action	NOUN
cblr-14258	407	27	.	.	PUNCT
cblr-14258	408	1	112	112	NUM
cblr-14258	408	2	speller	speller	NOUN
cblr-14258	408	3	,	,	PUNCT
cblr-14258	408	4	197	197	NUM
cblr-14258	408	5	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	408	6	at	at	ADP
cblr-14258	408	7	*	*	PROPN
cblr-14258	408	8	17	17	NUM
cblr-14258	408	9	.	.	PUNCT
cblr-14258	409	1	see	see	VERB
cblr-14258	409	2	also	also	ADV
cblr-14258	409	3	supra	supra	PROPN
cblr-14258	409	4	note	note	NOUN
cblr-14258	409	5	38	38	NUM
cblr-14258	409	6	.	.	NOUN
cblr-14258	410	1	113	113	NUM
cblr-14258	410	2	see	see	NOUN
cblr-14258	410	3	s.b	s.b	PROPN
cblr-14258	410	4	.	.	PUNCT
cblr-14258	411	1	s4573d	s4573d	NOUN
cblr-14258	411	2	,	,	PUNCT
cblr-14258	411	3	sponsor	sponsor	NOUN
cblr-14258	411	4	memo	memo	NOUN
cblr-14258	411	5	(	(	PUNCT
cblr-14258	411	6	2022	2022	NUM
cblr-14258	411	7	)	)	PUNCT
cblr-14258	411	8	.	.	PUNCT
cblr-14258	412	1	114	114	NUM
cblr-14258	412	2	speller	speller	NOUN
cblr-14258	412	3	,	,	PUNCT
cblr-14258	412	4	197	197	NUM
cblr-14258	412	5	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	412	6	at	at	ADP
cblr-14258	412	7	*	*	PROPN
cblr-14258	412	8	14	14	NUM
cblr-14258	412	9	.	.	PUNCT
cblr-14258	412	10	115	115	NUM
cblr-14258	413	1	i	i	PRON
cblr-14258	413	2	d.	d.	PROPN
cblr-14258	413	3	no	no	INTJ
cblr-14258	413	4	.	.	NOUN
cblr-14258	414	1	1	1	NUM
cblr-14258	414	2	]	]	PUNCT
cblr-14258	414	3	retroactive	retroactive	ADJ
cblr-14258	414	4	application	application	NOUN
cblr-14258	414	5	of	of	ADP
cblr-14258	414	6	the	the	DET
cblr-14258	414	7	ny	ny	PROPN
cblr-14258	414	8	fapa	fapa	PROPN
cblr-14258	414	9	643	643	NUM
cblr-14258	414	10	one	one	NUM
cblr-14258	414	11	may	may	AUX
cblr-14258	414	12	refute	refute	VERB
cblr-14258	414	13	the	the	DET
cblr-14258	414	14	putnam	putnam	PROPN
cblr-14258	414	15	county	county	PROPN
cblr-14258	414	16	court	court	NOUN
cblr-14258	414	17	’s	’s	PART
cblr-14258	414	18	reasoning	reasoning	NOUN
cblr-14258	414	19	and	and	CCONJ
cblr-14258	414	20	argue	argue	VERB
cblr-14258	414	21	that	that	SCONJ
cblr-14258	414	22	fapa	fapa	NOUN
cblr-14258	414	23	only	only	ADV
cblr-14258	414	24	clarifies	clarify	VERB
cblr-14258	414	25	existing	exist	VERB
cblr-14258	414	26	rules	rule	NOUN
cblr-14258	414	27	.	.	PUNCT
cblr-14258	415	1	for	for	ADP
cblr-14258	415	2	example	example	NOUN
cblr-14258	415	3	,	,	PUNCT
cblr-14258	415	4	one	one	PRON
cblr-14258	415	5	could	could	AUX
cblr-14258	415	6	simply	simply	ADV
cblr-14258	415	7	argue	argue	VERB
cblr-14258	415	8	that	that	SCONJ
cblr-14258	415	9	,	,	PUNCT
cblr-14258	415	10	as	as	SCONJ
cblr-14258	415	11	the	the	DET
cblr-14258	415	12	legislature	legislature	NOUN
cblr-14258	415	13	implies	imply	VERB
cblr-14258	415	14	,	,	PUNCT
cblr-14258	415	15	for	for	ADP
cblr-14258	415	16	sixty	sixty	NUM
cblr-14258	415	17	years	year	NOUN
cblr-14258	415	18	the	the	DET
cblr-14258	415	19	entire	entire	ADJ
cblr-14258	415	20	judiciary	judiciary	NOUN
cblr-14258	415	21	of	of	ADP
cblr-14258	415	22	new	new	PROPN
cblr-14258	415	23	york	york	PROPN
cblr-14258	415	24	actually	actually	ADV
cblr-14258	415	25	failed	fail	VERB
cblr-14258	415	26	to	to	PART
cblr-14258	415	27	understand	understand	VERB
cblr-14258	415	28	that	that	SCONJ
cblr-14258	415	29	gol	gol	PROPN
cblr-14258	415	30	section	section	NOUN
cblr-14258	415	31	17	17	NUM
cblr-14258	415	32	-	-	SYM
cblr-14258	415	33	105	105	NUM
cblr-14258	415	34	,	,	PUNCT
cblr-14258	415	35	as	as	SCONJ
cblr-14258	415	36	enacted	enact	VERB
cblr-14258	415	37	in	in	ADP
cblr-14258	415	38	1963	1963	NUM
cblr-14258	415	39	,	,	PUNCT
cblr-14258	415	40	always	always	ADV
cblr-14258	415	41	precluded	preclude	VERB
cblr-14258	415	42	the	the	DET
cblr-14258	415	43	changing	changing	NOUN
cblr-14258	415	44	of	of	ADP
cblr-14258	415	45	the	the	DET
cblr-14258	415	46	statute	statute	NOUN
cblr-14258	415	47	of	of	ADP
cblr-14258	415	48	limitations	limitation	NOUN
cblr-14258	415	49	in	in	ADP
cblr-14258	415	50	a	a	DET
cblr-14258	415	51	foreclosure	foreclosure	NOUN
cblr-14258	415	52	action	action	NOUN
cblr-14258	415	53	by	by	ADP
cblr-14258	415	54	a	a	DET
cblr-14258	415	55	lender	lender	NOUN
cblr-14258	415	56	’s	’s	PART
cblr-14258	415	57	unilateral	unilateral	ADJ
cblr-14258	415	58	act	act	NOUN
cblr-14258	415	59	of	of	ADP
cblr-14258	415	60	revocation	revocation	NOUN
cblr-14258	415	61	.	.	PUNCT
cblr-14258	416	1	although	although	SCONJ
cblr-14258	416	2	it	it	PRON
cblr-14258	416	3	is	be	AUX
cblr-14258	416	4	the	the	DET
cblr-14258	416	5	“	"	PUNCT
cblr-14258	416	6	province	province	NOUN
cblr-14258	416	7	and	and	CCONJ
cblr-14258	416	8	duty	duty	NOUN
cblr-14258	416	9	of	of	ADP
cblr-14258	416	10	the	the	DET
cblr-14258	416	11	judicial	judicial	ADJ
cblr-14258	416	12	department	department	NOUN
cblr-14258	416	13	to	to	PART
cblr-14258	416	14	say	say	VERB
cblr-14258	416	15	what	what	PRON
cblr-14258	416	16	the	the	DET
cblr-14258	416	17	law	law	NOUN
cblr-14258	416	18	is,”116	is,”116	ADV
cblr-14258	416	19	to	to	PART
cblr-14258	416	20	pass	pass	VERB
cblr-14258	416	21	the	the	DET
cblr-14258	416	22	last	last	ADJ
cblr-14258	416	23	factor	factor	NOUN
cblr-14258	416	24	of	of	ADP
cblr-14258	416	25	the	the	DET
cblr-14258	416	26	matter	matter	NOUN
cblr-14258	416	27	of	of	ADP
cblr-14258	416	28	gleason	gleason	PROPN
cblr-14258	416	29	test	test	PROPN
cblr-14258	416	30	,	,	PUNCT
cblr-14258	416	31	the	the	DET
cblr-14258	416	32	inquiry	inquiry	NOUN
cblr-14258	416	33	is	be	AUX
cblr-14258	416	34	whether	whether	SCONJ
cblr-14258	416	35	the	the	DET
cblr-14258	416	36	amended	amend	VERB
cblr-14258	416	37	statute	statute	NOUN
cblr-14258	416	38	reaffirms	reaffirm	VERB
cblr-14258	416	39	a	a	DET
cblr-14258	416	40	legislative	legislative	ADJ
cblr-14258	416	41	judgment	judgment	NOUN
cblr-14258	416	42	about	about	ADP
cblr-14258	416	43	what	what	PRON
cblr-14258	416	44	the	the	DET
cblr-14258	416	45	law	law	NOUN
cblr-14258	416	46	should	should	AUX
cblr-14258	416	47	be,117	be,117	VERB
cblr-14258	416	48	and	and	CCONJ
cblr-14258	416	49	it	it	PRON
cblr-14258	416	50	could	could	AUX
cblr-14258	416	51	be	be	AUX
cblr-14258	416	52	the	the	DET
cblr-14258	416	53	case	case	NOUN
cblr-14258	416	54	that	that	SCONJ
cblr-14258	416	55	courts	court	NOUN
cblr-14258	416	56	have	have	AUX
cblr-14258	416	57	failed	fail	VERB
cblr-14258	416	58	to	to	PART
cblr-14258	416	59	understand	understand	VERB
cblr-14258	416	60	such	such	ADJ
cblr-14258	416	61	judgment	judgment	NOUN
cblr-14258	416	62	for	for	ADP
cblr-14258	416	63	sixty	sixty	NUM
cblr-14258	416	64	years	year	NOUN
cblr-14258	416	65	.	.	PUNCT
cblr-14258	417	1	opponents	opponent	NOUN
cblr-14258	417	2	of	of	ADP
cblr-14258	417	3	this	this	DET
cblr-14258	417	4	view	view	NOUN
cblr-14258	417	5	,	,	PUNCT
cblr-14258	417	6	on	on	ADP
cblr-14258	417	7	the	the	DET
cblr-14258	417	8	other	other	ADJ
cblr-14258	417	9	hand	hand	NOUN
cblr-14258	417	10	,	,	PUNCT
cblr-14258	417	11	may	may	AUX
cblr-14258	417	12	argue	argue	VERB
cblr-14258	417	13	that	that	SCONJ
cblr-14258	417	14	the	the	DET
cblr-14258	417	15	court	court	NOUN
cblr-14258	417	16	of	of	ADP
cblr-14258	417	17	appeals	appeal	NOUN
cblr-14258	417	18	,	,	PUNCT
cblr-14258	417	19	by	by	ADP
cblr-14258	417	20	repeatedly	repeatedly	ADV
cblr-14258	417	21	interpreting	interpret	VERB
cblr-14258	417	22	the	the	DET
cblr-14258	417	23	statute	statute	NOUN
cblr-14258	417	24	in	in	ADP
cblr-14258	417	25	another	another	DET
cblr-14258	417	26	way	way	NOUN
cblr-14258	417	27	,	,	PUNCT
cblr-14258	417	28	fixed	fix	VERB
cblr-14258	417	29	its	its	PRON
cblr-14258	417	30	meaning	meaning	NOUN
cblr-14258	417	31	as	as	ADV
cblr-14258	417	32	definitely	definitely	ADV
cblr-14258	417	33	as	as	SCONJ
cblr-14258	417	34	if	if	SCONJ
cblr-14258	417	35	it	it	PRON
cblr-14258	417	36	had	have	AUX
cblr-14258	417	37	been	be	AUX
cblr-14258	417	38	so	so	ADV
cblr-14258	417	39	amended	amend	VERB
cblr-14258	417	40	by	by	ADP
cblr-14258	417	41	the	the	DET
cblr-14258	417	42	legislature,118	legislature,118	NOUN
cblr-14258	417	43	but	but	CCONJ
cblr-14258	417	44	such	such	DET
cblr-14258	417	45	an	an	DET
cblr-14258	417	46	argument	argument	NOUN
cblr-14258	417	47	is	be	AUX
cblr-14258	417	48	weak	weak	ADJ
cblr-14258	417	49	given	give	VERB
cblr-14258	417	50	there	there	PRON
cblr-14258	417	51	is	be	VERB
cblr-14258	417	52	only	only	ADV
cblr-14258	417	53	one	one	NUM
cblr-14258	417	54	court	court	NOUN
cblr-14258	417	55	of	of	ADP
cblr-14258	417	56	appeals	appeal	NOUN
cblr-14258	417	57	ruling	ruling	NOUN
cblr-14258	417	58	,	,	PUNCT
cblr-14258	417	59	namely	namely	ADV
cblr-14258	417	60	engel	engel	NOUN
cblr-14258	417	61	.	.	PUNCT
cblr-14258	418	1	furthermore	furthermore	ADV
cblr-14258	418	2	,	,	PUNCT
cblr-14258	418	3	any	any	DET
cblr-14258	418	4	statutory	statutory	ADJ
cblr-14258	418	5	amendment	amendment	NOUN
cblr-14258	418	6	necessarily	necessarily	ADV
cblr-14258	418	7	involves	involve	VERB
cblr-14258	418	8	the	the	DET
cblr-14258	418	9	“	"	PUNCT
cblr-14258	418	10	creation	creation	NOUN
cblr-14258	418	11	”	"	PUNCT
cblr-14258	418	12	of	of	ADP
cblr-14258	418	13	some	some	DET
cblr-14258	418	14	kind	kind	NOUN
cblr-14258	418	15	of	of	ADP
cblr-14258	418	16	“	"	PUNCT
cblr-14258	418	17	changes	change	NOUN
cblr-14258	418	18	”	"	PUNCT
cblr-14258	418	19	by	by	ADP
cblr-14258	418	20	the	the	DET
cblr-14258	418	21	legislature	legislature	NOUN
cblr-14258	418	22	on	on	ADP
cblr-14258	418	23	the	the	DET
cblr-14258	418	24	statute	statute	NOUN
cblr-14258	418	25	’s	’s	PART
cblr-14258	418	26	text	text	NOUN
cblr-14258	418	27	and	and	CCONJ
cblr-14258	418	28	language	language	NOUN
cblr-14258	418	29	,	,	PUNCT
cblr-14258	418	30	and	and	CCONJ
cblr-14258	418	31	the	the	DET
cblr-14258	418	32	mere	mere	ADJ
cblr-14258	418	33	use	use	NOUN
cblr-14258	418	34	of	of	ADP
cblr-14258	418	35	such	such	ADJ
cblr-14258	418	36	dictions	diction	NOUN
cblr-14258	418	37	in	in	ADP
cblr-14258	418	38	the	the	DET
cblr-14258	418	39	sponsor	sponsor	NOUN
cblr-14258	418	40	memo	memo	NOUN
cblr-14258	418	41	can	can	AUX
cblr-14258	418	42	not	not	PART
cblr-14258	418	43	lead	lead	VERB
cblr-14258	418	44	directly	directly	ADV
cblr-14258	418	45	to	to	ADP
cblr-14258	418	46	the	the	DET
cblr-14258	418	47	conclusion	conclusion	NOUN
cblr-14258	418	48	that	that	SCONJ
cblr-14258	418	49	the	the	DET
cblr-14258	418	50	content	content	NOUN
cblr-14258	418	51	and	and	CCONJ
cblr-14258	418	52	nature	nature	NOUN
cblr-14258	418	53	of	of	ADP
cblr-14258	418	54	the	the	DET
cblr-14258	418	55	law	law	NOUN
cblr-14258	418	56	in	in	ADP
cblr-14258	418	57	question	question	NOUN
cblr-14258	418	58	is	be	AUX
cblr-14258	418	59	being	be	AUX
cblr-14258	418	60	changed	change	VERB
cblr-14258	418	61	fundamentally	fundamentally	ADV
cblr-14258	418	62	.	.	PUNCT
cblr-14258	419	1	thus	thus	ADV
cblr-14258	419	2	,	,	PUNCT
cblr-14258	419	3	it	it	PRON
cblr-14258	419	4	is	be	AUX
cblr-14258	419	5	also	also	ADV
cblr-14258	419	6	sensible	sensible	ADJ
cblr-14258	419	7	to	to	PART
cblr-14258	419	8	say	say	VERB
cblr-14258	419	9	that	that	SCONJ
cblr-14258	419	10	fapa	fapa	NOUN
cblr-14258	419	11	merely	merely	ADV
cblr-14258	419	12	clarifies	clarify	VERB
cblr-14258	419	13	the	the	DET
cblr-14258	419	14	existing	exist	VERB
cblr-14258	419	15	law	law	NOUN
cblr-14258	419	16	.	.	PUNCT
cblr-14258	420	1	either	either	DET
cblr-14258	420	2	way	way	NOUN
cblr-14258	420	3	,	,	PUNCT
cblr-14258	420	4	fapa	fapa	NOUN
cblr-14258	420	5	should	should	AUX
cblr-14258	420	6	satisfy	satisfy	VERB
cblr-14258	420	7	the	the	DET
cblr-14258	420	8	matter	matter	NOUN
cblr-14258	420	9	of	of	ADP
cblr-14258	420	10	gleason	gleason	PROPN
cblr-14258	420	11	test	test	NOUN
cblr-14258	420	12	.	.	PUNCT
cblr-14258	421	1	it	it	PRON
cblr-14258	421	2	is	be	AUX
cblr-14258	421	3	a	a	DET
cblr-14258	421	4	remedial	remedial	ADJ
cblr-14258	421	5	legislation	legislation	NOUN
cblr-14258	421	6	,	,	PUNCT
cblr-14258	421	7	and	and	CCONJ
cblr-14258	421	8	there	there	PRON
cblr-14258	421	9	is	be	VERB
cblr-14258	421	10	clear	clear	ADJ
cblr-14258	421	11	legislative	legislative	ADJ
cblr-14258	421	12	intent	intent	NOUN
cblr-14258	421	13	that	that	SCONJ
cblr-14258	421	14	the	the	DET
cblr-14258	421	15	law	law	NOUN
cblr-14258	421	16	can	can	AUX
cblr-14258	421	17	be	be	AUX
cblr-14258	421	18	applied	apply	VERB
cblr-14258	421	19	retroactively	retroactively	ADV
cblr-14258	421	20	.	.	PUNCT
cblr-14258	422	1	the	the	DET
cblr-14258	422	2	statutory	statutory	ADJ
cblr-14258	422	3	language	language	NOUN
cblr-14258	422	4	demonstrates	demonstrate	VERB
cblr-14258	422	5	a	a	DET
cblr-14258	422	6	sense	sense	NOUN
cblr-14258	422	7	of	of	ADP
cblr-14258	422	8	urgency	urgency	NOUN
cblr-14258	422	9	favoring	favor	VERB
cblr-14258	422	10	retroactivity	retroactivity	NOUN
cblr-14258	422	11	.	.	PUNCT
cblr-14258	423	1	although	although	SCONJ
cblr-14258	423	2	it	it	PRON
cblr-14258	423	3	may	may	AUX
cblr-14258	423	4	not	not	PART
cblr-14258	423	5	be	be	AUX
cblr-14258	423	6	clear	clear	ADJ
cblr-14258	423	7	whether	whether	SCONJ
cblr-14258	423	8	fapa	fapa	NOUN
cblr-14258	423	9	clarifies	clarify	VERB
cblr-14258	423	10	or	or	CCONJ
cblr-14258	423	11	changes	change	NOUN
cblr-14258	423	12	what	what	PRON
cblr-14258	423	13	the	the	DET
cblr-14258	423	14	statute	statute	NOUN
cblr-14258	423	15	was	be	AUX
cblr-14258	423	16	always	always	ADV
cblr-14258	423	17	meant	mean	VERB
cblr-14258	423	18	to	to	PART
cblr-14258	423	19	say	say	VERB
cblr-14258	423	20	and	and	CCONJ
cblr-14258	423	21	do	do	VERB
cblr-14258	423	22	,	,	PUNCT
cblr-14258	423	23	this	this	DET
cblr-14258	423	24	factor	factor	NOUN
cblr-14258	423	25	is	be	AUX
cblr-14258	423	26	ultimately	ultimately	ADV
cblr-14258	423	27	“	"	PUNCT
cblr-14258	423	28	relevant	relevant	ADJ
cblr-14258	423	29	”	"	PUNCT
cblr-14258	423	30	but	but	CCONJ
cblr-14258	423	31	not	not	PART
cblr-14258	423	32	dispositive	dispositive	VERB
cblr-14258	423	33	to	to	ADP
cblr-14258	423	34	determining	determine	VERB
cblr-14258	423	35	the	the	DET
cblr-14258	423	36	outcome	outcome	NOUN
cblr-14258	423	37	of	of	ADP
cblr-14258	423	38	the	the	DET
cblr-14258	423	39	test.119	test.119	NOUN
cblr-14258	423	40	on	on	ADP
cblr-14258	423	41	balance	balance	NOUN
cblr-14258	423	42	,	,	PUNCT
cblr-14258	423	43	fapa	fapa	NOUN
cblr-14258	423	44	116	116	NUM
cblr-14258	423	45	see	see	VERB
cblr-14258	423	46	marbury	marbury	PROPN
cblr-14258	423	47	v.	v.	ADP
cblr-14258	423	48	madison	madison	PROPN
cblr-14258	423	49	,	,	PUNCT
cblr-14258	423	50	5	5	NUM
cblr-14258	423	51	u.s	u.s	PROPN
cblr-14258	423	52	.	.	PROPN
cblr-14258	423	53	137	137	NUM
cblr-14258	423	54	,	,	PUNCT
cblr-14258	423	55	177	177	NUM
cblr-14258	423	56	(	(	PUNCT
cblr-14258	423	57	1803	1803	NUM
cblr-14258	423	58	)	)	PUNCT
cblr-14258	423	59	.	.	PUNCT
cblr-14258	424	1	117	117	NUM
cblr-14258	424	2	see	see	VERB
cblr-14258	424	3	supra	supra	PROPN
cblr-14258	424	4	note	note	PROPN
cblr-14258	424	5	105	105	NUM
cblr-14258	424	6	.	.	PUNCT
cblr-14258	425	1	118	118	NUM
cblr-14258	425	2	see	see	VERB
cblr-14258	425	3	ruffolo	ruffolo	PROPN
cblr-14258	425	4	v.	v.	PROPN
cblr-14258	425	5	garbarini	garbarini	PROPN
cblr-14258	425	6	&	&	CCONJ
cblr-14258	425	7	scher	scher	PROPN
cblr-14258	425	8	,	,	PUNCT
cblr-14258	425	9	p.c	p.c	PROPN
cblr-14258	425	10	.	.	PROPN
cblr-14258	425	11	,	,	PUNCT
cblr-14258	425	12	668	668	NUM
cblr-14258	425	13	n.y.s.2d	n.y.s.2d	NUM
cblr-14258	425	14	169	169	NUM
cblr-14258	425	15	,	,	PUNCT
cblr-14258	425	16	172	172	NUM
cblr-14258	425	17	(	(	PUNCT
cblr-14258	425	18	n.y	n.y	PROPN
cblr-14258	425	19	.	.	PROPN
cblr-14258	425	20	app	app	PROPN
cblr-14258	425	21	.	.	PUNCT
cblr-14258	426	1	div	div	PROPN
cblr-14258	426	2	.	.	PUNCT
cblr-14258	427	1	1st	1st	ADJ
cblr-14258	427	2	dep’t	dep’t	NOUN
cblr-14258	427	3	1998	1998	NUM
cblr-14258	427	4	)	)	PUNCT
cblr-14258	427	5	.	.	PUNCT
cblr-14258	428	1	119	119	NUM
cblr-14258	428	2	brothers	brother	NOUN
cblr-14258	428	3	v.	v.	ADP
cblr-14258	428	4	florence	florence	NOUN
cblr-14258	428	5	,	,	PUNCT
cblr-14258	428	6	739	739	NUM
cblr-14258	428	7	n.e.2d	n.e.2d	NOUN
cblr-14258	428	8	733	733	NUM
cblr-14258	428	9	,	,	PUNCT
cblr-14258	428	10	736–37	736–37	NUM
cblr-14258	428	11	(	(	PUNCT
cblr-14258	428	12	n.y	n.y	PROPN
cblr-14258	428	13	.	.	PROPN
cblr-14258	428	14	2000	2000	NUM
cblr-14258	428	15	)	)	PUNCT
cblr-14258	428	16	.	.	PUNCT
cblr-14258	429	1	644	644	NUM
cblr-14258	429	2	columbia	columbia	PROPN
cblr-14258	429	3	business	business	NOUN
cblr-14258	429	4	law	law	PROPN
cblr-14258	429	5	review	review	NOUN
cblr-14258	429	6	[	[	X
cblr-14258	429	7	vol	vol	NOUN
cblr-14258	429	8	.	.	PUNCT
cblr-14258	429	9	2025	2025	NUM
cblr-14258	429	10	satisfies	satisfy	VERB
cblr-14258	429	11	the	the	DET
cblr-14258	429	12	majority	majority	NOUN
cblr-14258	429	13	of	of	ADP
cblr-14258	429	14	the	the	DET
cblr-14258	429	15	factors	factor	NOUN
cblr-14258	429	16	,	,	PUNCT
cblr-14258	429	17	and	and	CCONJ
cblr-14258	429	18	thus	thus	ADV
cblr-14258	429	19	it	it	PRON
cblr-14258	429	20	should	should	AUX
cblr-14258	429	21	overcome	overcome	VERB
cblr-14258	429	22	the	the	DET
cblr-14258	429	23	presumption	presumption	NOUN
cblr-14258	429	24	against	against	ADP
cblr-14258	429	25	retroactivity	retroactivity	NOUN
cblr-14258	429	26	.	.	PUNCT
cblr-14258	430	1	b.	b.	PROPN
cblr-14258	430	2	vested	vest	VERB
cblr-14258	430	3	rights	right	NOUN
cblr-14258	430	4	and	and	CCONJ
cblr-14258	430	5	interests	interest	NOUN
cblr-14258	430	6	in	in	ADP
cblr-14258	430	7	relation	relation	NOUN
cblr-14258	430	8	to	to	ADP
cblr-14258	430	9	judgments	judgment	NOUN
cblr-14258	430	10	of	of	ADP
cblr-14258	430	11	foreclosure	foreclosure	NOUN
cblr-14258	430	12	and	and	CCONJ
cblr-14258	430	13	sale	sale	NOUN
cblr-14258	430	14	although	although	SCONJ
cblr-14258	430	15	section	section	NOUN
cblr-14258	430	16	10	10	NUM
cblr-14258	430	17	allows	allow	VERB
cblr-14258	430	18	application	application	NOUN
cblr-14258	430	19	to	to	ADP
cblr-14258	430	20	any	any	DET
cblr-14258	430	21	action	action	NOUN
cblr-14258	430	22	where	where	SCONJ
cblr-14258	430	23	a	a	DET
cblr-14258	430	24	final	final	ADJ
cblr-14258	430	25	jfs	jfs	NOUN
cblr-14258	430	26	has	have	AUX
cblr-14258	430	27	not	not	PART
cblr-14258	430	28	been	be	AUX
cblr-14258	430	29	enforced	enforce	VERB
cblr-14258	430	30	,	,	PUNCT
cblr-14258	430	31	courts	court	NOUN
cblr-14258	430	32	have	have	AUX
cblr-14258	430	33	applied	apply	VERB
cblr-14258	430	34	fapa	fapa	NOUN
cblr-14258	430	35	in	in	ADP
cblr-14258	430	36	light	light	NOUN
cblr-14258	430	37	of	of	ADP
cblr-14258	430	38	the	the	DET
cblr-14258	430	39	facts	fact	NOUN
cblr-14258	430	40	and	and	CCONJ
cblr-14258	430	41	circumstances	circumstance	NOUN
cblr-14258	430	42	presented,120	presented,120	ADJ
cblr-14258	430	43	balancing	balance	VERB
cblr-14258	430	44	the	the	DET
cblr-14258	430	45	law	law	NOUN
cblr-14258	430	46	’s	’s	PART
cblr-14258	430	47	remedial	remedial	ADJ
cblr-14258	430	48	intent	intent	NOUN
cblr-14258	430	49	against	against	ADP
cblr-14258	430	50	substantive	substantive	ADJ
cblr-14258	430	51	rights	right	NOUN
cblr-14258	430	52	that	that	PRON
cblr-14258	430	53	may	may	AUX
cblr-14258	430	54	be	be	AUX
cblr-14258	430	55	impaired	impaired	ADJ
cblr-14258	430	56	.	.	PUNCT
cblr-14258	431	1	the	the	DET
cblr-14258	431	2	courts	court	NOUN
cblr-14258	431	3	have	have	AUX
cblr-14258	431	4	noted	note	VERB
cblr-14258	431	5	that	that	SCONJ
cblr-14258	431	6	a	a	DET
cblr-14258	431	7	retroactive	retroactive	ADJ
cblr-14258	431	8	law	law	NOUN
cblr-14258	431	9	is	be	AUX
cblr-14258	431	10	invalid	invalid	ADJ
cblr-14258	431	11	when	when	SCONJ
cblr-14258	431	12	its	its	PRON
cblr-14258	431	13	application	application	NOUN
cblr-14258	431	14	impairs	impair	VERB
cblr-14258	431	15	rights	right	NOUN
cblr-14258	431	16	vested	vest	VERB
cblr-14258	431	17	under	under	ADP
cblr-14258	431	18	existing	exist	VERB
cblr-14258	431	19	laws	law	NOUN
cblr-14258	431	20	or	or	CCONJ
cblr-14258	431	21	valid	valid	ADJ
cblr-14258	431	22	contracts	contract	NOUN
cblr-14258	431	23	or	or	CCONJ
cblr-14258	431	24	when	when	SCONJ
cblr-14258	431	25	it	it	PRON
cblr-14258	431	26	creates	create	VERB
cblr-14258	431	27	a	a	DET
cblr-14258	431	28	new	new	ADJ
cblr-14258	431	29	obligation	obligation	NOUN
cblr-14258	431	30	or	or	CCONJ
cblr-14258	431	31	attaches	attach	VERB
cblr-14258	431	32	a	a	DET
cblr-14258	431	33	new	new	ADJ
cblr-14258	431	34	disability	disability	NOUN
cblr-14258	431	35	to	to	ADP
cblr-14258	431	36	transactions	transaction	NOUN
cblr-14258	431	37	already	already	ADV
cblr-14258	431	38	past.121	past.121	VERB
cblr-14258	431	39	yet	yet	ADV
cblr-14258	431	40	,	,	PUNCT
cblr-14258	431	41	it	it	PRON
cblr-14258	431	42	seems	seem	VERB
cblr-14258	431	43	unclear	unclear	ADJ
cblr-14258	431	44	what	what	DET
cblr-14258	431	45	events	event	NOUN
cblr-14258	431	46	or	or	CCONJ
cblr-14258	431	47	court	court	NOUN
cblr-14258	431	48	actions	action	NOUN
cblr-14258	431	49	vest	vest	VERB
cblr-14258	431	50	such	such	ADJ
cblr-14258	431	51	rights	right	NOUN
cblr-14258	431	52	and	and	CCONJ
cblr-14258	431	53	interests	interest	NOUN
cblr-14258	431	54	.	.	PUNCT
cblr-14258	432	1	in	in	ADP
cblr-14258	432	2	hsbc	hsbc	PROPN
cblr-14258	432	3	v.	v.	ADP
cblr-14258	432	4	besharat	besharat	PROPN
cblr-14258	432	5	,	,	PUNCT
cblr-14258	432	6	the	the	DET
cblr-14258	432	7	putnam	putnam	PROPN
cblr-14258	432	8	county	county	PROPN
cblr-14258	432	9	court	court	NOUN
cblr-14258	432	10	denied	deny	VERB
cblr-14258	432	11	retroactive	retroactive	ADJ
cblr-14258	432	12	application	application	NOUN
cblr-14258	432	13	based	base	VERB
cblr-14258	432	14	on	on	ADP
cblr-14258	432	15	the	the	DET
cblr-14258	432	16	ruling	ruling	NOUN
cblr-14258	432	17	by	by	ADP
cblr-14258	432	18	the	the	DET
cblr-14258	432	19	court	court	NOUN
cblr-14258	432	20	of	of	ADP
cblr-14258	432	21	appeals	appeals	PROPN
cblr-14258	432	22	in	in	ADP
cblr-14258	432	23	gilbert	gilbert	PROPN
cblr-14258	432	24	v.	v.	PROPN
cblr-14258	432	25	ackerman	ackerman	PROPN
cblr-14258	432	26	,	,	PUNCT
cblr-14258	432	27	that	that	SCONJ
cblr-14258	432	28	“	"	PUNCT
cblr-14258	432	29	[	[	X
cblr-14258	432	30	t]he	t]he	ADV
cblr-14258	432	31	right	right	ADV
cblr-14258	432	32	possessed	possess	VERB
cblr-14258	432	33	by	by	ADP
cblr-14258	432	34	a	a	DET
cblr-14258	432	35	person	person	NOUN
cblr-14258	432	36	of	of	ADP
cblr-14258	432	37	enforcing	enforce	VERB
cblr-14258	432	38	his	his	PRON
cblr-14258	432	39	claim	claim	NOUN
cblr-14258	432	40	against	against	ADP
cblr-14258	432	41	another	another	PRON
cblr-14258	432	42	is	be	AUX
cblr-14258	432	43	property;”122	property;”122	NOUN
cblr-14258	432	44	it	it	PRON
cblr-14258	432	45	also	also	ADV
cblr-14258	432	46	relied	rely	VERB
cblr-14258	432	47	on	on	ADP
cblr-14258	432	48	merz	merz	PROPN
cblr-14258	432	49	v.	v.	ADP
cblr-14258	432	50	seaman	seaman	PROPN
cblr-14258	432	51	,	,	PUNCT
cblr-14258	432	52	a	a	DET
cblr-14258	432	53	case	case	NOUN
cblr-14258	432	54	where	where	SCONJ
cblr-14258	432	55	the	the	DET
cblr-14258	432	56	appellate	appellate	ADJ
cblr-14258	432	57	division	division	NOUN
cblr-14258	432	58	ruled	rule	VERB
cblr-14258	432	59	that	that	SCONJ
cblr-14258	432	60	“	"	PUNCT
cblr-14258	432	61	applying	apply	VERB
cblr-14258	432	62	retroactively	retroactively	ADV
cblr-14258	432	63	a	a	DET
cblr-14258	432	64	statute	statute	NOUN
cblr-14258	432	65	effective	effective	ADJ
cblr-14258	432	66	‘	'	PUNCT
cblr-14258	432	67	immediately	immediately	ADV
cblr-14258	432	68	’	'	PUNCT
cblr-14258	432	69	to	to	PART
cblr-14258	432	70	dismiss	dismiss	VERB
cblr-14258	432	71	an	an	DET
cblr-14258	432	72	action	action	NOUN
cblr-14258	432	73	viable	viable	ADJ
cblr-14258	432	74	at	at	ADP
cblr-14258	432	75	the	the	DET
cblr-14258	432	76	time	time	NOUN
cblr-14258	432	77	it	it	PRON
cblr-14258	432	78	was	be	AUX
cblr-14258	432	79	filed	file	VERB
cblr-14258	432	80	impairs	impair	VERB
cblr-14258	432	81	vested	vested	ADJ
cblr-14258	432	82	rights	right	NOUN
cblr-14258	432	83	and	and	CCONJ
cblr-14258	432	84	violates	violate	VERB
cblr-14258	432	85	due	due	ADJ
cblr-14258	432	86	process	process	NOUN
cblr-14258	432	87	.	.	PUNCT
cblr-14258	433	1	”123	”123	PUNCT
cblr-14258	433	2	for	for	ADP
cblr-14258	433	3	foreclosure	foreclosure	NOUN
cblr-14258	433	4	actions	action	NOUN
cblr-14258	433	5	,	,	PUNCT
cblr-14258	433	6	enforcement	enforcement	NOUN
cblr-14258	433	7	of	of	ADP
cblr-14258	433	8	claims	claim	NOUN
cblr-14258	433	9	typically	typically	ADV
cblr-14258	433	10	refers	refer	VERB
cblr-14258	433	11	to	to	ADP
cblr-14258	433	12	“	"	PUNCT
cblr-14258	433	13	the	the	DET
cblr-14258	433	14	procedure	procedure	NOUN
cblr-14258	433	15	by	by	ADP
cblr-14258	433	16	which	which	PRON
cblr-14258	433	17	a	a	DET
cblr-14258	433	18	creditor	creditor	NOUN
cblr-14258	433	19	can	can	AUX
cblr-14258	433	20	forcibly	forcibly	ADV
cblr-14258	433	21	enforce	enforce	VERB
cblr-14258	433	22	his	his	PRON
cblr-14258	433	23	civil	civil	ADJ
cblr-14258	433	24	law	law	NOUN
cblr-14258	433	25	claim	claim	NOUN
cblr-14258	433	26	against	against	ADP
cblr-14258	433	27	a	a	DET
cblr-14258	433	28	debtor	debtor	NOUN
cblr-14258	433	29	”	"	PUNCT
cblr-14258	433	30	after	after	ADP
cblr-14258	433	31	a	a	DET
cblr-14258	433	32	judgment	judgment	NOUN
cblr-14258	433	33	or	or	CCONJ
cblr-14258	433	34	order	order	NOUN
cblr-14258	433	35	issued	issue	VERB
cblr-14258	433	36	120	120	NUM
cblr-14258	433	37	see	see	NOUN
cblr-14258	433	38	mtglq	mtglq	PROPN
cblr-14258	433	39	invs	invs	PROPN
cblr-14258	433	40	.	.	PROPN
cblr-14258	433	41	,	,	PUNCT
cblr-14258	434	1	l.p	l.p	PROPN
cblr-14258	434	2	.	.	PROPN
cblr-14258	434	3	v.	v.	ADP
cblr-14258	434	4	gross	gross	ADJ
cblr-14258	434	5	,	,	PUNCT
cblr-14258	434	6	190	190	NUM
cblr-14258	434	7	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	434	8	244	244	NUM
cblr-14258	434	9	,	,	PUNCT
cblr-14258	434	10	249–50	249–50	NUM
cblr-14258	434	11	(	(	PUNCT
cblr-14258	434	12	n.y	n.y	PROPN
cblr-14258	434	13	.	.	PROPN
cblr-14258	434	14	sup	sup	PROPN
cblr-14258	434	15	.	.	PUNCT
cblr-14258	435	1	ct	ct	NUM
cblr-14258	435	2	.	.	PROPN
cblr-14258	435	3	2023	2023	NUM
cblr-14258	435	4	)	)	PUNCT
cblr-14258	435	5	.	.	PUNCT
cblr-14258	436	1	121	121	NUM
cblr-14258	437	1	i	i	PRON
cblr-14258	437	2	d.	d.	PROPN
cblr-14258	437	3	at	at	ADP
cblr-14258	437	4	249	249	NUM
cblr-14258	437	5	.	.	PUNCT
cblr-14258	438	1	122	122	NUM
cblr-14258	438	2	hsbc	hsbc	PROPN
cblr-14258	438	3	bank	bank	PROPN
cblr-14258	438	4	usa	usa	PROPN
cblr-14258	438	5	,	,	PUNCT
cblr-14258	438	6	n.a	n.a	PROPN
cblr-14258	438	7	.	.	PROPN
cblr-14258	438	8	v.	v.	PROPN
cblr-14258	438	9	besharat	besharat	PROPN
cblr-14258	438	10	,	,	PUNCT
cblr-14258	438	11	195	195	NUM
cblr-14258	438	12	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	438	13	380	380	NUM
cblr-14258	438	14	,	,	PUNCT
cblr-14258	438	15	386	386	NUM
cblr-14258	438	16	(	(	PUNCT
cblr-14258	438	17	n.y	n.y	PROPN
cblr-14258	438	18	.	.	PROPN
cblr-14258	438	19	sup	sup	PROPN
cblr-14258	438	20	.	.	PUNCT
cblr-14258	439	1	ct	ct	NUM
cblr-14258	439	2	.	.	NOUN
cblr-14258	439	3	2023	2023	NUM
cblr-14258	439	4	)	)	PUNCT
cblr-14258	440	1	(	(	PUNCT
cblr-14258	440	2	citing	cite	VERB
cblr-14258	440	3	to	to	ADP
cblr-14258	440	4	gilbert	gilbert	PROPN
cblr-14258	440	5	v.	v.	PROPN
cblr-14258	440	6	ackerman	ackerman	PROPN
cblr-14258	440	7	,	,	PUNCT
cblr-14258	440	8	159	159	NUM
cblr-14258	440	9	n.y	n.y	PROPN
cblr-14258	440	10	.	.	PROPN
cblr-14258	440	11	118	118	NUM
cblr-14258	440	12	,	,	PUNCT
cblr-14258	440	13	124	124	NUM
cblr-14258	440	14	(	(	PUNCT
cblr-14258	440	15	n.y	n.y	PROPN
cblr-14258	440	16	.	.	PROPN
cblr-14258	440	17	1899	1899	NUM
cblr-14258	440	18	)	)	PUNCT
cblr-14258	440	19	)	)	PUNCT
cblr-14258	441	1	(	(	PUNCT
cblr-14258	441	2	emphasis	emphasis	NOUN
cblr-14258	441	3	added	add	VERB
cblr-14258	441	4	)	)	PUNCT
cblr-14258	441	5	.	.	PUNCT
cblr-14258	442	1	123	123	NUM
cblr-14258	442	2	i	i	PRON
cblr-14258	442	3	d.	d.	PROPN
cblr-14258	442	4	(	(	PUNCT
cblr-14258	442	5	citing	cite	VERB
cblr-14258	442	6	to	to	ADP
cblr-14258	442	7	merz	merz	PROPN
cblr-14258	442	8	v.	v.	PROPN
cblr-14258	442	9	seaman	seaman	PROPN
cblr-14258	442	10	,	,	PUNCT
cblr-14258	442	11	697	697	NUM
cblr-14258	442	12	n.y.s.2d	n.y.s.2d	NUM
cblr-14258	442	13	290	290	NUM
cblr-14258	442	14	,	,	PUNCT
cblr-14258	442	15	293	293	NUM
cblr-14258	442	16	(	(	PUNCT
cblr-14258	442	17	n.y	n.y	PROPN
cblr-14258	442	18	.	.	PROPN
cblr-14258	442	19	sup	sup	PROPN
cblr-14258	442	20	.	.	PUNCT
cblr-14258	443	1	ct	ct	PROPN
cblr-14258	443	2	.	.	PUNCT
cblr-14258	444	1	app	app	PROPN
cblr-14258	444	2	.	.	PUNCT
cblr-14258	445	1	div	div	PROPN
cblr-14258	445	2	.	.	PUNCT
cblr-14258	445	3	2d	2d	PROPN
cblr-14258	445	4	dep’t	dep’t	NOUN
cblr-14258	445	5	1999	1999	NUM
cblr-14258	445	6	)	)	PUNCT
cblr-14258	445	7	)	)	PUNCT
cblr-14258	445	8	.	.	PUNCT
cblr-14258	446	1	no	no	INTJ
cblr-14258	446	2	.	.	NOUN
cblr-14258	446	3	1	1	NUM
cblr-14258	446	4	]	]	PUNCT
cblr-14258	446	5	retroactive	retroactive	ADJ
cblr-14258	446	6	application	application	NOUN
cblr-14258	446	7	of	of	ADP
cblr-14258	446	8	the	the	DET
cblr-14258	446	9	ny	ny	PROPN
cblr-14258	446	10	fapa	fapa	PROPN
cblr-14258	446	11	645	645	NUM
cblr-14258	446	12	by	by	ADP
cblr-14258	446	13	the	the	DET
cblr-14258	446	14	court.124	court.124	NOUN
cblr-14258	446	15	the	the	DET
cblr-14258	446	16	gilbert	gilbert	PROPN
cblr-14258	446	17	ruling	ruling	NOUN
cblr-14258	446	18	seems	seem	VERB
cblr-14258	446	19	to	to	PART
cblr-14258	446	20	be	be	AUX
cblr-14258	446	21	in	in	ADP
cblr-14258	446	22	line	line	NOUN
cblr-14258	446	23	with	with	ADP
cblr-14258	446	24	some	some	DET
cblr-14258	446	25	present	present	ADJ
cblr-14258	446	26	court	court	NOUN
cblr-14258	446	27	rulings	ruling	NOUN
cblr-14258	446	28	on	on	ADP
cblr-14258	446	29	fapa	fapa	NOUN
cblr-14258	446	30	which	which	PRON
cblr-14258	446	31	state	state	NOUN
cblr-14258	446	32	that	that	SCONJ
cblr-14258	446	33	once	once	SCONJ
cblr-14258	446	34	a	a	DET
cblr-14258	446	35	jfs	jfs	NOUN
cblr-14258	446	36	is	be	AUX
cblr-14258	446	37	issued	issue	VERB
cblr-14258	446	38	,	,	PUNCT
cblr-14258	446	39	property	property	NOUN
cblr-14258	446	40	rights	right	NOUN
cblr-14258	446	41	are	be	AUX
cblr-14258	446	42	vested	vest	VERB
cblr-14258	446	43	in	in	ADP
cblr-14258	446	44	the	the	DET
cblr-14258	446	45	mortgagee	mortgagee	NOUN
cblr-14258	446	46	and	and	CCONJ
cblr-14258	446	47	can	can	AUX
cblr-14258	446	48	not	not	PART
cblr-14258	446	49	be	be	AUX
cblr-14258	446	50	impaired	impair	VERB
cblr-14258	446	51	by	by	ADP
cblr-14258	446	52	retroactive	retroactive	ADJ
cblr-14258	446	53	application	application	NOUN
cblr-14258	446	54	.	.	PUNCT
cblr-14258	447	1	however	however	ADV
cblr-14258	447	2	,	,	PUNCT
cblr-14258	447	3	most	most	ADJ
cblr-14258	447	4	existing	exist	VERB
cblr-14258	447	5	rulings	ruling	NOUN
cblr-14258	447	6	on	on	ADP
cblr-14258	447	7	fapa	fapa	NOUN
cblr-14258	447	8	go	go	VERB
cblr-14258	447	9	against	against	ADP
cblr-14258	447	10	the	the	DET
cblr-14258	447	11	merz	merz	PROPN
cblr-14258	447	12	holding	holding	NOUN
cblr-14258	447	13	,	,	PUNCT
cblr-14258	447	14	since	since	SCONJ
cblr-14258	447	15	they	they	PRON
cblr-14258	447	16	have	have	AUX
cblr-14258	447	17	allowed	allow	VERB
cblr-14258	447	18	fapa	fapa	NOUN
cblr-14258	447	19	’s	’s	PART
cblr-14258	447	20	retroactive	retroactive	ADJ
cblr-14258	447	21	application	application	NOUN
cblr-14258	447	22	and	and	CCONJ
cblr-14258	447	23	rendered	render	VERB
cblr-14258	447	24	past	past	ADJ
cblr-14258	447	25	actions	action	NOUN
cblr-14258	447	26	,	,	PUNCT
cblr-14258	447	27	although	although	SCONJ
cblr-14258	447	28	valid	valid	ADJ
cblr-14258	447	29	under	under	ADP
cblr-14258	447	30	engel	engel	PROPN
cblr-14258	447	31	and	and	CCONJ
cblr-14258	447	32	before	before	ADP
cblr-14258	447	33	fapa	fapa	NOUN
cblr-14258	447	34	,	,	PUNCT
cblr-14258	447	35	time	time	NOUN
cblr-14258	447	36	-	-	PUNCT
cblr-14258	447	37	barred	bar	VERB
cblr-14258	447	38	.	.	PUNCT
cblr-14258	448	1	this	this	DET
cblr-14258	448	2	inconsistency	inconsistency	NOUN
cblr-14258	448	3	can	can	AUX
cblr-14258	448	4	be	be	AUX
cblr-14258	448	5	resolved	resolve	VERB
cblr-14258	448	6	as	as	ADP
cblr-14258	448	7	the	the	DET
cblr-14258	448	8	putnam	putnam	PROPN
cblr-14258	448	9	county	county	PROPN
cblr-14258	448	10	court	court	NOUN
cblr-14258	448	11	’s	’s	PART
cblr-14258	448	12	reliance	reliance	NOUN
cblr-14258	448	13	on	on	ADP
cblr-14258	448	14	merz	merz	PROPN
cblr-14258	448	15	in	in	ADP
cblr-14258	448	16	the	the	DET
cblr-14258	448	17	application	application	NOUN
cblr-14258	448	18	of	of	ADP
cblr-14258	448	19	fapa	fapa	NOUN
cblr-14258	448	20	appears	appear	VERB
cblr-14258	448	21	misguided	misguided	ADJ
cblr-14258	448	22	.	.	PUNCT
cblr-14258	449	1	it	it	PRON
cblr-14258	449	2	should	should	AUX
cblr-14258	449	3	be	be	AUX
cblr-14258	449	4	noted	note	VERB
cblr-14258	449	5	that	that	SCONJ
cblr-14258	449	6	merz	merz	PROPN
cblr-14258	449	7	preceded	precede	VERB
cblr-14258	449	8	matter	matter	NOUN
cblr-14258	449	9	of	of	ADP
cblr-14258	449	10	gleason	gleason	PROPN
cblr-14258	449	11	.	.	PUNCT
cblr-14258	450	1	before	before	ADP
cblr-14258	450	2	matter	matter	NOUN
cblr-14258	450	3	of	of	ADP
cblr-14258	450	4	gleason	gleason	PROPN
cblr-14258	450	5	,	,	PUNCT
cblr-14258	450	6	when	when	SCONJ
cblr-14258	450	7	deciding	decide	VERB
cblr-14258	450	8	whether	whether	SCONJ
cblr-14258	450	9	to	to	PART
cblr-14258	450	10	grant	grant	VERB
cblr-14258	450	11	retroactive	retroactive	ADJ
cblr-14258	450	12	application	application	NOUN
cblr-14258	450	13	of	of	ADP
cblr-14258	450	14	a	a	DET
cblr-14258	450	15	new	new	ADJ
cblr-14258	450	16	law	law	NOUN
cblr-14258	450	17	,	,	PUNCT
cblr-14258	450	18	for	for	ADP
cblr-14258	450	19	instance	instance	NOUN
cblr-14258	450	20	,	,	PUNCT
cblr-14258	450	21	amending	amend	VERB
cblr-14258	450	22	the	the	DET
cblr-14258	450	23	statute	statute	NOUN
cblr-14258	450	24	of	of	ADP
cblr-14258	450	25	limitations	limitation	NOUN
cblr-14258	450	26	on	on	ADP
cblr-14258	450	27	nonmedical	nonmedical	ADJ
cblr-14258	450	28	malpractice	malpractice	NOUN
cblr-14258	450	29	actions	action	NOUN
cblr-14258	450	30	,	,	PUNCT
cblr-14258	450	31	the	the	DET
cblr-14258	450	32	appellate	appellate	ADJ
cblr-14258	450	33	division	division	NOUN
cblr-14258	450	34	did	do	AUX
cblr-14258	450	35	not	not	PART
cblr-14258	450	36	consider	consider	VERB
cblr-14258	450	37	the	the	DET
cblr-14258	450	38	factors	factor	NOUN
cblr-14258	450	39	in	in	ADP
cblr-14258	450	40	the	the	DET
cblr-14258	450	41	matter	matter	NOUN
cblr-14258	450	42	of	of	ADP
cblr-14258	450	43	gleason	gleason	PROPN
cblr-14258	450	44	test	test	PROPN
cblr-14258	450	45	and	and	CCONJ
cblr-14258	450	46	determined	determine	VERB
cblr-14258	450	47	that	that	SCONJ
cblr-14258	450	48	as	as	ADV
cblr-14258	450	49	long	long	ADV
cblr-14258	450	50	as	as	SCONJ
cblr-14258	450	51	the	the	DET
cblr-14258	450	52	action	action	NOUN
cblr-14258	450	53	was	be	AUX
cblr-14258	450	54	timely	timely	ADV
cblr-14258	450	55	commenced	commence	VERB
cblr-14258	450	56	under	under	ADP
cblr-14258	450	57	the	the	DET
cblr-14258	450	58	prior	prior	ADJ
cblr-14258	450	59	law	law	NOUN
cblr-14258	450	60	,	,	PUNCT
cblr-14258	450	61	the	the	DET
cblr-14258	450	62	new	new	ADJ
cblr-14258	450	63	law	law	NOUN
cblr-14258	450	64	can	can	AUX
cblr-14258	450	65	never	never	ADV
cblr-14258	450	66	be	be	AUX
cblr-14258	450	67	retroactively	retroactively	ADV
cblr-14258	450	68	applied	apply	VERB
cblr-14258	450	69	and	and	CCONJ
cblr-14258	450	70	render	render	VERB
cblr-14258	450	71	it	it	PRON
cblr-14258	450	72	timebarred	timebarre	VERB
cblr-14258	450	73	since	since	SCONJ
cblr-14258	450	74	it	it	PRON
cblr-14258	450	75	would	would	AUX
cblr-14258	450	76	impair	impair	VERB
cblr-14258	450	77	“	"	PUNCT
cblr-14258	450	78	vested	vested	ADJ
cblr-14258	450	79	rights	right	NOUN
cblr-14258	450	80	.	.	PUNCT
cblr-14258	451	1	”125	”125	PROPN
cblr-14258	452	1	after	after	ADP
cblr-14258	452	2	matter	matter	NOUN
cblr-14258	452	3	of	of	ADP
cblr-14258	452	4	gleason	gleason	PROPN
cblr-14258	452	5	and	and	CCONJ
cblr-14258	452	6	as	as	SCONJ
cblr-14258	452	7	applied	apply	VERB
cblr-14258	452	8	to	to	ADP
cblr-14258	452	9	fapa	fapa	NOUN
cblr-14258	452	10	,	,	PUNCT
cblr-14258	452	11	however	however	ADV
cblr-14258	452	12	,	,	PUNCT
cblr-14258	452	13	such	such	DET
cblr-14258	452	14	a	a	DET
cblr-14258	452	15	ruling	ruling	NOUN
cblr-14258	452	16	would	would	AUX
cblr-14258	452	17	unreasonably	unreasonably	ADV
cblr-14258	452	18	and	and	CCONJ
cblr-14258	452	19	significantly	significantly	ADV
cblr-14258	452	20	harm	harm	VERB
cblr-14258	452	21	fapa	fapa	NOUN
cblr-14258	452	22	’s	’s	PART
cblr-14258	452	23	purpose	purpose	NOUN
cblr-14258	452	24	.	.	PUNCT
cblr-14258	453	1	under	under	ADP
cblr-14258	453	2	matter	matter	NOUN
cblr-14258	453	3	of	of	ADP
cblr-14258	453	4	gleason	gleason	PROPN
cblr-14258	453	5	,	,	PUNCT
cblr-14258	453	6	courts	court	NOUN
cblr-14258	453	7	determine	determine	VERB
cblr-14258	453	8	retroactive	retroactive	ADJ
cblr-14258	453	9	application	application	NOUN
cblr-14258	453	10	by	by	ADP
cblr-14258	453	11	balancing	balance	VERB
cblr-14258	453	12	the	the	DET
cblr-14258	453	13	legislative	legislative	ADJ
cblr-14258	453	14	intent	intent	NOUN
cblr-14258	453	15	and	and	CCONJ
cblr-14258	453	16	potential	potential	ADJ
cblr-14258	453	17	harms	harm	NOUN
cblr-14258	453	18	,	,	PUNCT
cblr-14258	453	19	instead	instead	ADV
cblr-14258	453	20	of	of	ADP
cblr-14258	453	21	using	use	VERB
cblr-14258	453	22	the	the	DET
cblr-14258	453	23	bright	bright	ADJ
cblr-14258	453	24	-	-	PUNCT
cblr-14258	453	25	line	line	NOUN
cblr-14258	453	26	rule	rule	NOUN
cblr-14258	453	27	in	in	ADP
cblr-14258	453	28	merz	merz	PROPN
cblr-14258	453	29	.	.	PUNCT
cblr-14258	454	1	if	if	SCONJ
cblr-14258	454	2	merz	merz	PROPN
cblr-14258	454	3	is	be	AUX
cblr-14258	454	4	applied	apply	VERB
cblr-14258	454	5	to	to	ADP
cblr-14258	454	6	fapa	fapa	NOUN
cblr-14258	454	7	,	,	PUNCT
cblr-14258	454	8	the	the	DET
cblr-14258	454	9	scenarios	scenario	NOUN
cblr-14258	454	10	where	where	SCONJ
cblr-14258	454	11	the	the	DET
cblr-14258	454	12	law	law	NOUN
cblr-14258	454	13	could	could	AUX
cblr-14258	454	14	effectuate	effectuate	VERB
cblr-14258	454	15	its	its	PRON
cblr-14258	454	16	purpose	purpose	NOUN
cblr-14258	454	17	would	would	AUX
cblr-14258	454	18	become	become	VERB
cblr-14258	454	19	extremely	extremely	ADV
cblr-14258	454	20	limited	limited	ADJ
cblr-14258	454	21	:	:	PUNCT
cblr-14258	454	22	as	as	SCONJ
cblr-14258	454	23	seen	see	VERB
cblr-14258	454	24	in	in	ADP
cblr-14258	454	25	the	the	DET
cblr-14258	454	26	existing	exist	VERB
cblr-14258	454	27	case	case	NOUN
cblr-14258	454	28	law	law	NOUN
cblr-14258	454	29	,	,	PUNCT
cblr-14258	454	30	all	all	PRON
cblr-14258	454	31	of	of	ADP
cblr-14258	454	32	these	these	DET
cblr-14258	454	33	cases	case	NOUN
cblr-14258	454	34	are	be	AUX
cblr-14258	454	35	dealing	deal	VERB
cblr-14258	454	36	with	with	ADP
cblr-14258	454	37	an	an	DET
cblr-14258	454	38	action	action	NOUN
cblr-14258	454	39	commenced	commence	VERB
cblr-14258	454	40	before	before	ADP
cblr-14258	454	41	fapa	fapa	NOUN
cblr-14258	454	42	.	.	PUNCT
cblr-14258	455	1	given	give	VERB
cblr-14258	455	2	that	that	SCONJ
cblr-14258	455	3	fapa	fapa	NOUN
cblr-14258	455	4	passes	pass	VERB
cblr-14258	455	5	the	the	DET
cblr-14258	455	6	matter	matter	NOUN
cblr-14258	455	7	of	of	ADP
cblr-14258	455	8	gleason	gleason	PROPN
cblr-14258	455	9	test	test	PROPN
cblr-14258	455	10	,	,	PUNCT
cblr-14258	455	11	i	i	PRON
cblr-14258	455	12	have	have	AUX
cblr-14258	455	13	already	already	ADV
cblr-14258	455	14	concluded	conclude	VERB
cblr-14258	455	15	that	that	SCONJ
cblr-14258	455	16	it	it	PRON
cblr-14258	455	17	may	may	AUX
cblr-14258	455	18	be	be	AUX
cblr-14258	455	19	retroactively	retroactively	ADV
cblr-14258	455	20	applied	apply	VERB
cblr-14258	455	21	,	,	PUNCT
cblr-14258	455	22	so	so	ADV
cblr-14258	455	23	any	any	DET
cblr-14258	455	24	right	right	NOUN
cblr-14258	455	25	that	that	PRON
cblr-14258	455	26	may	may	AUX
cblr-14258	455	27	have	have	AUX
cblr-14258	455	28	been	be	AUX
cblr-14258	455	29	vested	vest	VERB
cblr-14258	455	30	by	by	ADP
cblr-14258	455	31	mortgagee	mortgagee	PROPN
cblr-14258	455	32	’s	’s	PART
cblr-14258	455	33	commencement	commencement	NOUN
cblr-14258	455	34	of	of	ADP
cblr-14258	455	35	action	action	NOUN
cblr-14258	455	36	under	under	ADP
cblr-14258	455	37	prior	prior	ADJ
cblr-14258	455	38	law	law	NOUN
cblr-14258	455	39	124	124	NUM
cblr-14258	455	40	editorial	editorial	ADJ
cblr-14258	455	41	team	team	NOUN
cblr-14258	455	42	germany	germany	PROPN
cblr-14258	455	43	,	,	PUNCT
cblr-14258	455	44	what	what	PRON
cblr-14258	455	45	is	be	AUX
cblr-14258	455	46	an	an	DET
cblr-14258	455	47	enforcement	enforcement	NOUN
cblr-14258	455	48	?	?	PUNCT
cblr-14258	455	49	,	,	PUNCT
cblr-14258	455	50	riverty	riverty	NOUN
cblr-14258	455	51	(	(	PUNCT
cblr-14258	455	52	may	may	PROPN
cblr-14258	455	53	1	1	NUM
cblr-14258	455	54	,	,	PUNCT
cblr-14258	455	55	2023	2023	NUM
cblr-14258	455	56	)	)	PUNCT
cblr-14258	455	57	https://www.riverty.com/en/financial-academy/financial-guide/what-is-anenforcement/	https://www.riverty.com/en/financial-academy/financial-guide/what-is-anenforcement/	PROPN
cblr-14258	456	1	[	[	X
cblr-14258	456	2	https://perma.cc/8m36-5juh	https://perma.cc/8m36-5juh	PROPN
cblr-14258	456	3	]	]	PUNCT
cblr-14258	456	4	.	.	PUNCT
cblr-14258	457	1	125	125	NUM
cblr-14258	457	2	see	see	VERB
cblr-14258	457	3	ruffolo	ruffolo	PROPN
cblr-14258	457	4	v.	v.	ADP
cblr-14258	457	5	garbarini	garbarini	PROPN
cblr-14258	457	6	&	&	CCONJ
cblr-14258	457	7	scher	scher	PROPN
cblr-14258	457	8	,	,	PUNCT
cblr-14258	457	9	p.c	p.c	PROPN
cblr-14258	457	10	.	.	PROPN
cblr-14258	457	11	,	,	PUNCT
cblr-14258	457	12	668	668	NUM
cblr-14258	457	13	n.y.s.2d	n.y.s.2d	NUM
cblr-14258	457	14	169	169	NUM
cblr-14258	457	15	,	,	PUNCT
cblr-14258	457	16	172	172	NUM
cblr-14258	457	17	(	(	PUNCT
cblr-14258	457	18	n.y	n.y	PROPN
cblr-14258	457	19	.	.	PROPN
cblr-14258	457	20	app	app	PROPN
cblr-14258	457	21	.	.	PUNCT
cblr-14258	458	1	div	div	PROPN
cblr-14258	458	2	.	.	PUNCT
cblr-14258	459	1	1st	1st	ADJ
cblr-14258	459	2	dep’t	dep’t	NOUN
cblr-14258	459	3	1998	1998	NUM
cblr-14258	459	4	)	)	PUNCT
cblr-14258	459	5	.	.	PUNCT
cblr-14258	460	1	this	this	PRON
cblr-14258	460	2	is	be	AUX
cblr-14258	460	3	also	also	ADV
cblr-14258	460	4	the	the	DET
cblr-14258	460	5	case	case	NOUN
cblr-14258	460	6	that	that	SCONJ
cblr-14258	460	7	the	the	DET
cblr-14258	460	8	court	court	NOUN
cblr-14258	460	9	in	in	ADP
cblr-14258	460	10	merz	merz	PROPN
cblr-14258	460	11	primarily	primarily	ADV
cblr-14258	460	12	relied	rely	VERB
cblr-14258	460	13	on	on	ADP
cblr-14258	460	14	in	in	ADP
cblr-14258	460	15	its	its	PRON
cblr-14258	460	16	reasoning	reasoning	NOUN
cblr-14258	460	17	.	.	PUNCT
cblr-14258	461	1	646	646	NUM
cblr-14258	461	2	columbia	columbia	PROPN
cblr-14258	461	3	business	business	NOUN
cblr-14258	461	4	law	law	PROPN
cblr-14258	461	5	review	review	NOUN
cblr-14258	461	6	[	[	X
cblr-14258	461	7	vol	vol	NOUN
cblr-14258	461	8	.	.	PUNCT
cblr-14258	461	9	2025	2025	NUM
cblr-14258	461	10	should	should	AUX
cblr-14258	461	11	not	not	PART
cblr-14258	461	12	impede	impede	VERB
cblr-14258	461	13	retroactive	retroactive	ADJ
cblr-14258	461	14	application	application	NOUN
cblr-14258	461	15	.	.	PUNCT
cblr-14258	462	1	thus	thus	ADV
cblr-14258	462	2	,	,	PUNCT
cblr-14258	462	3	the	the	DET
cblr-14258	462	4	outdated	outdated	ADJ
cblr-14258	462	5	merz	merz	PROPN
cblr-14258	462	6	ruling	ruling	NOUN
cblr-14258	462	7	should	should	AUX
cblr-14258	462	8	no	no	ADV
cblr-14258	462	9	longer	long	ADV
cblr-14258	462	10	be	be	AUX
cblr-14258	462	11	applied	apply	VERB
cblr-14258	462	12	to	to	ADP
cblr-14258	462	13	fapa	fapa	NOUN
cblr-14258	462	14	.	.	PUNCT
cblr-14258	463	1	per	per	ADP
cblr-14258	463	2	gilbert	gilbert	PROPN
cblr-14258	463	3	and	and	CCONJ
cblr-14258	463	4	existing	exist	VERB
cblr-14258	463	5	cases	case	NOUN
cblr-14258	463	6	on	on	ADP
cblr-14258	463	7	fapa	fapa	NOUN
cblr-14258	463	8	,	,	PUNCT
cblr-14258	463	9	the	the	DET
cblr-14258	463	10	majority	majority	NOUN
cblr-14258	463	11	rule	rule	NOUN
cblr-14258	463	12	is	be	AUX
cblr-14258	463	13	that	that	SCONJ
cblr-14258	463	14	a	a	DET
cblr-14258	463	15	jfs	jfs	NOUN
cblr-14258	463	16	could	could	AUX
cblr-14258	463	17	vest	vest	VERB
cblr-14258	463	18	property	property	NOUN
cblr-14258	463	19	rights	right	NOUN
cblr-14258	463	20	.	.	PUNCT
cblr-14258	464	1	the	the	DET
cblr-14258	464	2	next	next	ADJ
cblr-14258	464	3	question	question	NOUN
cblr-14258	464	4	becomes	become	VERB
cblr-14258	464	5	:	:	PUNCT
cblr-14258	464	6	what	what	PRON
cblr-14258	464	7	kind	kind	NOUN
cblr-14258	464	8	of	of	ADP
cblr-14258	464	9	jfs	jfs	NOUN
cblr-14258	464	10	?	?	PUNCT
cblr-14258	465	1	the	the	DET
cblr-14258	465	2	courts	court	NOUN
cblr-14258	465	3	have	have	AUX
cblr-14258	465	4	taken	take	VERB
cblr-14258	465	5	different	different	ADJ
cblr-14258	465	6	approaches	approach	NOUN
cblr-14258	465	7	.	.	PUNCT
cblr-14258	466	1	in	in	ADP
cblr-14258	466	2	leonardo	leonardo	PROPN
cblr-14258	466	3	,	,	PUNCT
cblr-14258	466	4	the	the	DET
cblr-14258	466	5	court	court	NOUN
cblr-14258	466	6	ruled	rule	VERB
cblr-14258	466	7	that	that	SCONJ
cblr-14258	466	8	once	once	SCONJ
cblr-14258	466	9	a	a	DET
cblr-14258	466	10	sale	sale	NOUN
cblr-14258	466	11	is	be	AUX
cblr-14258	466	12	scheduled	schedule	VERB
cblr-14258	466	13	after	after	ADP
cblr-14258	466	14	a	a	DET
cblr-14258	466	15	final	final	ADJ
cblr-14258	466	16	jfs	jfs	NOUN
cblr-14258	466	17	,	,	PUNCT
cblr-14258	466	18	it	it	PRON
cblr-14258	466	19	is	be	AUX
cblr-14258	466	20	deemed	deem	VERB
cblr-14258	466	21	“	"	PUNCT
cblr-14258	466	22	enforced	enforce	VERB
cblr-14258	466	23	”	"	PUNCT
cblr-14258	466	24	and	and	CCONJ
cblr-14258	466	25	thus	thus	ADV
cblr-14258	466	26	fapa	fapa	NOUN
cblr-14258	466	27	would	would	AUX
cblr-14258	466	28	not	not	PART
cblr-14258	466	29	apply	apply	VERB
cblr-14258	466	30	,	,	PUNCT
cblr-14258	466	31	since	since	SCONJ
cblr-14258	466	32	the	the	DET
cblr-14258	466	33	judgment	judgment	NOUN
cblr-14258	466	34	has	have	AUX
cblr-14258	466	35	given	give	VERB
cblr-14258	466	36	the	the	DET
cblr-14258	466	37	mortgagee	mortgagee	NOUN
cblr-14258	466	38	property	property	NOUN
cblr-14258	466	39	rights	right	NOUN
cblr-14258	466	40	that	that	PRON
cblr-14258	466	41	can	can	AUX
cblr-14258	466	42	not	not	PART
cblr-14258	466	43	be	be	AUX
cblr-14258	466	44	impaired.126	impaired.126	NOUN
cblr-14258	466	45	this	this	DET
cblr-14258	466	46	rationale	rationale	NOUN
cblr-14258	466	47	attempts	attempt	NOUN
cblr-14258	466	48	to	to	PART
cblr-14258	466	49	work	work	VERB
cblr-14258	466	50	within	within	ADP
cblr-14258	466	51	fapa	fapa	NOUN
cblr-14258	466	52	’s	’s	PART
cblr-14258	466	53	framework	framework	NOUN
cblr-14258	466	54	instead	instead	ADV
cblr-14258	466	55	of	of	ADP
cblr-14258	466	56	bypassing	bypass	VERB
cblr-14258	466	57	the	the	DET
cblr-14258	466	58	language	language	NOUN
cblr-14258	466	59	of	of	ADP
cblr-14258	466	60	section	section	NOUN
cblr-14258	466	61	10	10	NUM
cblr-14258	466	62	altogether	altogether	ADV
cblr-14258	466	63	.	.	PUNCT
cblr-14258	467	1	in	in	ADP
cblr-14258	467	2	gross	gross	ADJ
cblr-14258	467	3	,	,	PUNCT
cblr-14258	467	4	on	on	ADP
cblr-14258	467	5	the	the	DET
cblr-14258	467	6	other	other	ADJ
cblr-14258	467	7	hand	hand	NOUN
cblr-14258	467	8	,	,	PUNCT
cblr-14258	467	9	a	a	DET
cblr-14258	467	10	summary	summary	NOUN
cblr-14258	467	11	jfs	jfs	NOUN
cblr-14258	467	12	issued	issue	VERB
cblr-14258	467	13	before	before	ADP
cblr-14258	467	14	fapa	fapa	NOUN
cblr-14258	467	15	was	be	AUX
cblr-14258	467	16	sufficient	sufficient	ADJ
cblr-14258	467	17	to	to	PART
cblr-14258	467	18	establish	establish	VERB
cblr-14258	467	19	such	such	ADJ
cblr-14258	467	20	rights	right	NOUN
cblr-14258	467	21	,	,	PUNCT
cblr-14258	467	22	and	and	CCONJ
cblr-14258	467	23	retroactive	retroactive	ADJ
cblr-14258	467	24	application	application	NOUN
cblr-14258	467	25	was	be	AUX
cblr-14258	467	26	not	not	PART
cblr-14258	467	27	allowed	allow	VERB
cblr-14258	467	28	no	no	ADV
cblr-14258	467	29	matter	matter	ADV
cblr-14258	467	30	if	if	SCONJ
cblr-14258	467	31	the	the	DET
cblr-14258	467	32	judgment	judgment	NOUN
cblr-14258	467	33	was	be	AUX
cblr-14258	467	34	deemed	deem	VERB
cblr-14258	467	35	“	"	PUNCT
cblr-14258	467	36	enforced	enforce	VERB
cblr-14258	467	37	”	"	PUNCT
cblr-14258	467	38	or	or	CCONJ
cblr-14258	467	39	not.127	not.127	NOUN
cblr-14258	467	40	in	in	ADP
cblr-14258	467	41	comparison	comparison	NOUN
cblr-14258	467	42	,	,	PUNCT
cblr-14258	467	43	leonardo	leonardo	PROPN
cblr-14258	467	44	’s	’s	PART
cblr-14258	467	45	ruling	ruling	NOUN
cblr-14258	467	46	here	here	ADV
cblr-14258	467	47	appears	appear	VERB
cblr-14258	467	48	unnecessarily	unnecessarily	ADV
cblr-14258	467	49	narrow	narrow	ADJ
cblr-14258	467	50	;	;	PUNCT
cblr-14258	467	51	what	what	PRON
cblr-14258	467	52	if	if	SCONJ
cblr-14258	467	53	the	the	DET
cblr-14258	467	54	judgment	judgment	NOUN
cblr-14258	467	55	is	be	AUX
cblr-14258	467	56	issued	issue	VERB
cblr-14258	467	57	but	but	CCONJ
cblr-14258	467	58	the	the	DET
cblr-14258	467	59	sale	sale	NOUN
cblr-14258	467	60	not	not	PART
cblr-14258	467	61	“	"	PUNCT
cblr-14258	467	62	scheduled	schedule	VERB
cblr-14258	467	63	,	,	PUNCT
cblr-14258	467	64	”	"	PUNCT
cblr-14258	467	65	even	even	ADV
cblr-14258	467	66	if	if	SCONJ
cblr-14258	467	67	,	,	PUNCT
cblr-14258	467	68	according	accord	VERB
cblr-14258	467	69	to	to	ADP
cblr-14258	467	70	the	the	DET
cblr-14258	467	71	court	court	NOUN
cblr-14258	467	72	,	,	PUNCT
cblr-14258	467	73	such	such	ADJ
cblr-14258	467	74	judgment	judgment	NOUN
cblr-14258	467	75	vests	vest	NOUN
cblr-14258	467	76	property	property	NOUN
cblr-14258	467	77	rights	right	NOUN
cblr-14258	467	78	that	that	PRON
cblr-14258	467	79	can	can	AUX
cblr-14258	467	80	not	not	PART
cblr-14258	467	81	be	be	AUX
cblr-14258	467	82	impaired	impair	VERB
cblr-14258	467	83	?	?	PUNCT
cblr-14258	468	1	the	the	DET
cblr-14258	468	2	court	court	NOUN
cblr-14258	468	3	would	would	AUX
cblr-14258	468	4	then	then	ADV
cblr-14258	468	5	,	,	PUNCT
cblr-14258	468	6	according	accord	VERB
cblr-14258	468	7	to	to	ADP
cblr-14258	468	8	its	its	PRON
cblr-14258	468	9	own	own	ADJ
cblr-14258	468	10	rationale	rationale	NOUN
cblr-14258	468	11	,	,	PUNCT
cblr-14258	468	12	still	still	ADV
cblr-14258	468	13	impede	impede	VERB
cblr-14258	468	14	retroactive	retroactive	ADJ
cblr-14258	468	15	application	application	NOUN
cblr-14258	468	16	.	.	PUNCT
cblr-14258	469	1	whether	whether	SCONJ
cblr-14258	469	2	the	the	DET
cblr-14258	469	3	sale	sale	NOUN
cblr-14258	469	4	is	be	AUX
cblr-14258	469	5	“	"	PUNCT
cblr-14258	469	6	scheduled	schedule	VERB
cblr-14258	469	7	”	"	PUNCT
cblr-14258	469	8	or	or	CCONJ
cblr-14258	469	9	not	not	PART
cblr-14258	469	10	should	should	AUX
cblr-14258	469	11	thus	thus	ADV
cblr-14258	469	12	be	be	AUX
cblr-14258	469	13	irrelevant	irrelevant	ADJ
cblr-14258	469	14	in	in	ADP
cblr-14258	469	15	the	the	DET
cblr-14258	469	16	court	court	NOUN
cblr-14258	469	17	’s	’s	PART
cblr-14258	469	18	analysis	analysis	NOUN
cblr-14258	469	19	.	.	PUNCT
cblr-14258	470	1	both	both	CCONJ
cblr-14258	470	2	leonardo	leonardo	PROPN
cblr-14258	470	3	and	and	CCONJ
cblr-14258	470	4	gross	gross	ADJ
cblr-14258	470	5	agree	agree	VERB
cblr-14258	470	6	that	that	SCONJ
cblr-14258	470	7	a	a	DET
cblr-14258	470	8	jfs	jfs	NOUN
cblr-14258	470	9	,	,	PUNCT
cblr-14258	470	10	issued	issue	VERB
cblr-14258	470	11	before	before	ADP
cblr-14258	470	12	fapa	fapa	NOUN
cblr-14258	470	13	,	,	PUNCT
cblr-14258	470	14	would	would	AUX
cblr-14258	470	15	vest	vest	VERB
cblr-14258	470	16	property	property	NOUN
cblr-14258	470	17	rights	right	NOUN
cblr-14258	470	18	,	,	PUNCT
cblr-14258	470	19	but	but	CCONJ
cblr-14258	470	20	without	without	ADP
cblr-14258	470	21	providing	provide	VERB
cblr-14258	470	22	further	further	ADJ
cblr-14258	470	23	qualifications	qualification	NOUN
cblr-14258	470	24	.	.	PUNCT
cblr-14258	471	1	in	in	ADP
cblr-14258	471	2	miele	miele	PROPN
cblr-14258	471	3	,	,	PUNCT
cblr-14258	471	4	however	however	ADV
cblr-14258	471	5	,	,	PUNCT
cblr-14258	471	6	the	the	DET
cblr-14258	471	7	court	court	NOUN
cblr-14258	471	8	noted	note	VERB
cblr-14258	471	9	that	that	SCONJ
cblr-14258	471	10	“	"	PUNCT
cblr-14258	471	11	litigants	litigant	NOUN
cblr-14258	471	12	do	do	AUX
cblr-14258	471	13	not	not	PART
cblr-14258	471	14	obtain	obtain	VERB
cblr-14258	471	15	any	any	DET
cblr-14258	471	16	vested	vested	ADJ
cblr-14258	471	17	property	property	NOUN
cblr-14258	471	18	rights	right	NOUN
cblr-14258	471	19	in	in	ADP
cblr-14258	471	20	the	the	DET
cblr-14258	471	21	orders	order	NOUN
cblr-14258	471	22	or	or	CCONJ
cblr-14258	471	23	judgments	judgment	NOUN
cblr-14258	471	24	of	of	ADP
cblr-14258	471	25	the	the	DET
cblr-14258	471	26	court	court	NOUN
cblr-14258	471	27	during	during	ADP
cblr-14258	471	28	the	the	DET
cblr-14258	471	29	period	period	NOUN
cblr-14258	471	30	they	they	PRON
cblr-14258	471	31	are	be	AUX
cblr-14258	471	32	subject	subject	ADJ
cblr-14258	471	33	to	to	ADP
cblr-14258	471	34	review	review	NOUN
cblr-14258	471	35	by	by	ADP
cblr-14258	471	36	a	a	DET
cblr-14258	471	37	higher	high	ADJ
cblr-14258	471	38	court,”128	court,”128	NOUN
cblr-14258	471	39	and	and	CCONJ
cblr-14258	471	40	a	a	DET
cblr-14258	471	41	summary	summary	NOUN
cblr-14258	471	42	jfs	jfs	NOUN
cblr-14258	471	43	issued	issue	VERB
cblr-14258	471	44	after	after	ADP
cblr-14258	471	45	the	the	DET
cblr-14258	471	46	effective	effective	ADJ
cblr-14258	471	47	date	date	NOUN
cblr-14258	471	48	of	of	ADP
cblr-14258	471	49	fapa	fapa	NOUN
cblr-14258	471	50	was	be	AUX
cblr-14258	471	51	not	not	PART
cblr-14258	471	52	enough	enough	ADJ
cblr-14258	471	53	to	to	PART
cblr-14258	471	54	establish	establish	VERB
cblr-14258	471	55	such	such	ADJ
cblr-14258	471	56	rights	right	NOUN
cblr-14258	471	57	.	.	PUNCT
cblr-14258	472	1	these	these	DET
cblr-14258	472	2	further	further	ADJ
cblr-14258	472	3	specifications	specification	NOUN
cblr-14258	472	4	seem	seem	VERB
cblr-14258	472	5	to	to	PART
cblr-14258	472	6	be	be	AUX
cblr-14258	472	7	in	in	ADP
cblr-14258	472	8	line	line	NOUN
cblr-14258	472	9	with	with	ADP
cblr-14258	472	10	the	the	DET
cblr-14258	472	11	state	state	NOUN
cblr-14258	472	12	common	common	ADJ
cblr-14258	472	13	law	law	NOUN
cblr-14258	472	14	.	.	PUNCT
cblr-14258	473	1	in	in	ADP
cblr-14258	473	2	hodes	hodes	PROPN
cblr-14258	473	3	v.	v.	PROPN
cblr-14258	473	4	axelrod	axelrod	PROPN
cblr-14258	473	5	,	,	PUNCT
cblr-14258	473	6	for	for	ADP
cblr-14258	473	7	example	example	NOUN
cblr-14258	473	8	,	,	PUNCT
cblr-14258	473	9	the	the	DET
cblr-14258	473	10	court	court	NOUN
cblr-14258	473	11	of	of	ADP
cblr-14258	473	12	appeals	appeals	PROPN
cblr-14258	473	13	has	have	AUX
cblr-14258	473	14	explained	explain	VERB
cblr-14258	473	15	the	the	DET
cblr-14258	473	16	traditional	traditional	ADJ
cblr-14258	473	17	vested	vested	ADJ
cblr-14258	473	18	rights	right	NOUN
cblr-14258	473	19	doctrine	doctrine	NOUN
cblr-14258	473	20	,	,	PUNCT
cblr-14258	473	21	that	that	SCONJ
cblr-14258	473	22	a	a	DET
cblr-14258	473	23	“	"	PUNCT
cblr-14258	473	24	judgment	judgment	NOUN
cblr-14258	473	25	,	,	PUNCT
cblr-14258	473	26	after	after	SCONJ
cblr-14258	473	27	it	it	PRON
cblr-14258	473	28	becomes	become	VERB
cblr-14258	473	29	final	final	ADJ
cblr-14258	473	30	,	,	PUNCT
cblr-14258	473	31	may	may	AUX
cblr-14258	473	32	not	not	PART
cblr-14258	473	33	be	be	AUX
cblr-14258	473	34	affected	affect	VERB
cblr-14258	473	35	by	by	ADP
cblr-14258	473	36	subsequent	subsequent	ADJ
cblr-14258	473	37	legislation	legislation	NOUN
cblr-14258	473	38	,	,	PUNCT
cblr-14258	473	39	”	"	PUNCT
cblr-14258	473	40	and	and	CCONJ
cblr-14258	473	41	126	126	NUM
cblr-14258	473	42	u.s	u.s	PROPN
cblr-14258	473	43	.	.	PROPN
cblr-14258	473	44	bank	bank	PROPN
cblr-14258	473	45	tr	tr	VERB
cblr-14258	473	46	.	.	PROPN
cblr-14258	473	47	,	,	PUNCT
cblr-14258	473	48	n.a	n.a	PROPN
cblr-14258	473	49	.	.	PROPN
cblr-14258	474	1	v.	v.	PROPN
cblr-14258	474	2	leonardo	leonardo	PROPN
cblr-14258	474	3	,	,	PUNCT
cblr-14258	474	4	192	192	NUM
cblr-14258	474	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	474	6	472	472	NUM
cblr-14258	474	7	,	,	PUNCT
cblr-14258	474	8	476	476	NUM
cblr-14258	474	9	.	.	PUNCT
cblr-14258	475	1	127	127	NUM
cblr-14258	475	2	mtglq	mtglq	PROPN
cblr-14258	475	3	invs	invs	PROPN
cblr-14258	475	4	.	.	PROPN
cblr-14258	475	5	,	,	PUNCT
cblr-14258	475	6	l.p	l.p	PROPN
cblr-14258	475	7	.	.	PROPN
cblr-14258	476	1	v.	v.	ADP
cblr-14258	476	2	gross	gross	ADJ
cblr-14258	476	3	,	,	PUNCT
cblr-14258	476	4	190	190	NUM
cblr-14258	476	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	476	6	244	244	NUM
cblr-14258	476	7	,	,	PUNCT
cblr-14258	476	8	250	250	NUM
cblr-14258	476	9	(	(	PUNCT
cblr-14258	476	10	n.y	n.y	PROPN
cblr-14258	476	11	.	.	PROPN
cblr-14258	476	12	sup	sup	PROPN
cblr-14258	476	13	.	.	PUNCT
cblr-14258	477	1	ct	ct	NUM
cblr-14258	477	2	.	.	PROPN
cblr-14258	477	3	2023	2023	NUM
cblr-14258	477	4	)	)	PUNCT
cblr-14258	477	5	.	.	PUNCT
cblr-14258	478	1	128	128	NUM
cblr-14258	478	2	u.s	u.s	PROPN
cblr-14258	478	3	.	.	PROPN
cblr-14258	478	4	bank	bank	PROPN
cblr-14258	478	5	tr	tr	VERB
cblr-14258	478	6	.	.	PROPN
cblr-14258	478	7	,	,	PUNCT
cblr-14258	478	8	n.a	n.a	PROPN
cblr-14258	478	9	.	.	PROPN
cblr-14258	479	1	v.	v.	PROPN
cblr-14258	479	2	miele	miele	PROPN
cblr-14258	479	3	,	,	PUNCT
cblr-14258	479	4	197	197	NUM
cblr-14258	479	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	479	6	656	656	NUM
cblr-14258	479	7	,	,	PUNCT
cblr-14258	479	8	669	669	NUM
cblr-14258	479	9	(	(	PUNCT
cblr-14258	479	10	n.y	n.y	PROPN
cblr-14258	479	11	.	.	PROPN
cblr-14258	479	12	sup	sup	PROPN
cblr-14258	479	13	.	.	PUNCT
cblr-14258	480	1	ct	ct	NUM
cblr-14258	480	2	.	.	NOUN
cblr-14258	480	3	2023	2023	NUM
cblr-14258	480	4	)	)	PUNCT
cblr-14258	480	5	(	(	PUNCT
cblr-14258	480	6	emphasis	emphasis	NOUN
cblr-14258	480	7	added	add	VERB
cblr-14258	480	8	)	)	PUNCT
cblr-14258	480	9	.	.	PUNCT
cblr-14258	481	1	no	no	INTJ
cblr-14258	481	2	.	.	NOUN
cblr-14258	481	3	1	1	NUM
cblr-14258	481	4	]	]	PUNCT
cblr-14258	481	5	retroactive	retroactive	ADJ
cblr-14258	481	6	application	application	NOUN
cblr-14258	481	7	of	of	ADP
cblr-14258	481	8	the	the	DET
cblr-14258	481	9	ny	ny	PROPN
cblr-14258	481	10	fapa	fapa	PROPN
cblr-14258	481	11	647	647	NUM
cblr-14258	481	12	“	"	PUNCT
cblr-14258	481	13	[	[	X
cblr-14258	481	14	o]nce	o]nce	NOUN
cblr-14258	481	15	all	all	DET
cblr-14258	481	16	avenues	avenue	NOUN
cblr-14258	481	17	of	of	ADP
cblr-14258	481	18	appeal	appeal	NOUN
cblr-14258	481	19	have	have	AUX
cblr-14258	481	20	been	be	AUX
cblr-14258	481	21	exhausted	exhaust	VERB
cblr-14258	481	22	.	.	PUNCT
cblr-14258	481	23	.	.	PUNCT
cblr-14258	481	24	.	.	PUNCT
cblr-14258	482	1	a	a	DET
cblr-14258	482	2	judgment	judgment	NOUN
cblr-14258	482	3	becomes	become	VERB
cblr-14258	482	4	an	an	DET
cblr-14258	482	5	inviolable	inviolable	ADJ
cblr-14258	482	6	property	property	NOUN
cblr-14258	482	7	right	right	NOUN
cblr-14258	482	8	”	"	PUNCT
cblr-14258	482	9	that	that	PRON
cblr-14258	482	10	may	may	AUX
cblr-14258	482	11	not	not	PART
cblr-14258	482	12	be	be	AUX
cblr-14258	482	13	abridged	abridge	VERB
cblr-14258	482	14	by	by	ADP
cblr-14258	482	15	subsequent	subsequent	ADJ
cblr-14258	482	16	legislation.129	legislation.129	PROPN
cblr-14258	482	17	thus	thus	ADV
cblr-14258	482	18	,	,	PUNCT
cblr-14258	482	19	a	a	DET
cblr-14258	482	20	baseline	baseline	NOUN
cblr-14258	482	21	rule	rule	NOUN
cblr-14258	482	22	we	we	PRON
cblr-14258	482	23	may	may	AUX
cblr-14258	482	24	have	have	VERB
cblr-14258	482	25	here	here	ADV
cblr-14258	482	26	is	be	AUX
cblr-14258	482	27	that	that	PRON
cblr-14258	482	28	jfs	jfs	NOUN
cblr-14258	482	29	creates	create	VERB
cblr-14258	482	30	vested	vested	ADJ
cblr-14258	482	31	rights	right	NOUN
cblr-14258	482	32	if	if	SCONJ
cblr-14258	482	33	issued	issue	VERB
cblr-14258	482	34	before	before	ADP
cblr-14258	482	35	the	the	DET
cblr-14258	482	36	enactment	enactment	NOUN
cblr-14258	482	37	of	of	ADP
cblr-14258	482	38	fapa	fapa	NOUN
cblr-14258	482	39	and	and	CCONJ
cblr-14258	482	40	with	with	ADP
cblr-14258	482	41	the	the	DET
cblr-14258	482	42	right	right	NOUN
cblr-14258	482	43	to	to	PART
cblr-14258	482	44	appeal	appeal	VERB
cblr-14258	482	45	no	no	ADV
cblr-14258	482	46	longer	long	ADV
cblr-14258	482	47	existent	existent	ADJ
cblr-14258	482	48	.	.	PUNCT
cblr-14258	483	1	this	this	DET
cblr-14258	483	2	rule	rule	NOUN
cblr-14258	483	3	can	can	AUX
cblr-14258	483	4	be	be	AUX
cblr-14258	483	5	further	far	ADV
cblr-14258	483	6	supported	support	VERB
cblr-14258	483	7	by	by	ADP
cblr-14258	483	8	the	the	DET
cblr-14258	483	9	state	state	NOUN
cblr-14258	483	10	civil	civil	ADJ
cblr-14258	483	11	procedure	procedure	NOUN
cblr-14258	483	12	rule	rule	NOUN
cblr-14258	483	13	that	that	SCONJ
cblr-14258	483	14	“	"	PUNCT
cblr-14258	483	15	[	[	X
cblr-14258	483	16	a]fter	a]fter	NOUN
cblr-14258	483	17	entry	entry	NOUN
cblr-14258	483	18	of	of	ADP
cblr-14258	483	19	a	a	DET
cblr-14258	483	20	final	final	ADJ
cblr-14258	483	21	judgment	judgment	NOUN
cblr-14258	483	22	,	,	PUNCT
cblr-14258	483	23	a	a	DET
cblr-14258	483	24	motion	motion	NOUN
cblr-14258	483	25	for	for	SCONJ
cblr-14258	483	26	leave	leave	NOUN
cblr-14258	483	27	to	to	PART
cblr-14258	483	28	renew	renew	VERB
cblr-14258	483	29	.	.	PUNCT
cblr-14258	483	30	.	.	PUNCT
cblr-14258	484	1	.	.	PUNCT
cblr-14258	485	1	based	base	VERB
cblr-14258	485	2	upon	upon	SCONJ
cblr-14258	485	3	a	a	DET
cblr-14258	485	4	‘	'	PUNCT
cblr-14258	485	5	change	change	NOUN
cblr-14258	485	6	in	in	ADP
cblr-14258	485	7	the	the	DET
cblr-14258	485	8	law	law	NOUN
cblr-14258	485	9	that	that	PRON
cblr-14258	485	10	would	would	AUX
cblr-14258	485	11	change	change	VERB
cblr-14258	485	12	the	the	DET
cblr-14258	485	13	prior	prior	ADJ
cblr-14258	485	14	determination	determination	NOUN
cblr-14258	485	15	’	'	PUNCT
cblr-14258	485	16	must	must	AUX
cblr-14258	485	17	be	be	AUX
cblr-14258	485	18	made	make	VERB
cblr-14258	485	19	.	.	PUNCT
cblr-14258	485	20	.	.	PUNCT
cblr-14258	485	21	.	.	PUNCT
cblr-14258	486	1	before	before	ADP
cblr-14258	486	2	the	the	DET
cblr-14258	486	3	time	time	NOUN
cblr-14258	486	4	to	to	PART
cblr-14258	486	5	appeal	appeal	VERB
cblr-14258	486	6	the	the	DET
cblr-14258	486	7	final	final	ADJ
cblr-14258	486	8	judgment	judgment	NOUN
cblr-14258	486	9	has	have	AUX
cblr-14258	486	10	expired	expire	VERB
cblr-14258	486	11	.	.	PUNCT
cblr-14258	486	12	”130	”130	PROPN
cblr-14258	487	1	in	in	ADP
cblr-14258	487	2	addition	addition	NOUN
cblr-14258	487	3	,	,	PUNCT
cblr-14258	487	4	the	the	DET
cblr-14258	487	5	separation	separation	NOUN
cblr-14258	487	6	of	of	ADP
cblr-14258	487	7	powers	power	NOUN
cblr-14258	487	8	doctrine	doctrine	NOUN
cblr-14258	487	9	,	,	PUNCT
cblr-14258	487	10	which	which	PRON
cblr-14258	487	11	“	"	PUNCT
cblr-14258	487	12	precludes	preclude	VERB
cblr-14258	487	13	the	the	DET
cblr-14258	487	14	legislature	legislature	NOUN
cblr-14258	487	15	from	from	ADP
cblr-14258	487	16	undertaking	undertake	VERB
cblr-14258	487	17	to	to	PART
cblr-14258	487	18	readjudicate	readjudicate	VERB
cblr-14258	487	19	controversies	controversy	NOUN
cblr-14258	487	20	that	that	PRON
cblr-14258	487	21	have	have	AUX
cblr-14258	487	22	been	be	AUX
cblr-14258	487	23	limited	limit	VERB
cblr-14258	487	24	in	in	ADP
cblr-14258	487	25	courts	court	NOUN
cblr-14258	487	26	and	and	CCONJ
cblr-14258	487	27	resolved	resolve	VERB
cblr-14258	487	28	by	by	ADP
cblr-14258	487	29	final	final	ADJ
cblr-14258	487	30	judicial	judicial	ADJ
cblr-14258	487	31	judgment	judgment	NOUN
cblr-14258	487	32	,	,	PUNCT
cblr-14258	487	33	”	"	PUNCT
cblr-14258	487	34	also	also	ADV
cblr-14258	487	35	echoes	echo	VERB
cblr-14258	487	36	this	this	DET
cblr-14258	487	37	principle.131	principle.131	PUNCT
cblr-14258	488	1	but	but	CCONJ
cblr-14258	488	2	what	what	PRON
cblr-14258	488	3	if	if	SCONJ
cblr-14258	488	4	there	there	PRON
cblr-14258	488	5	is	be	VERB
cblr-14258	488	6	still	still	ADV
cblr-14258	488	7	right	right	ADJ
cblr-14258	488	8	to	to	PART
cblr-14258	488	9	appeal	appeal	VERB
cblr-14258	488	10	?	?	PUNCT
cblr-14258	489	1	would	would	AUX
cblr-14258	489	2	such	such	ADJ
cblr-14258	489	3	judgment	judgment	NOUN
cblr-14258	489	4	create	create	VERB
cblr-14258	489	5	vested	vested	ADJ
cblr-14258	489	6	property	property	NOUN
cblr-14258	489	7	interests	interest	NOUN
cblr-14258	489	8	?	?	PUNCT
cblr-14258	490	1	further	further	ADJ
cblr-14258	490	2	scrutiny	scrutiny	NOUN
cblr-14258	490	3	on	on	ADP
cblr-14258	490	4	the	the	DET
cblr-14258	490	5	evolution	evolution	NOUN
cblr-14258	490	6	of	of	ADP
cblr-14258	490	7	the	the	DET
cblr-14258	490	8	vested	vested	ADJ
cblr-14258	490	9	rights	right	NOUN
cblr-14258	490	10	doctrine	doctrine	NOUN
cblr-14258	490	11	shows	show	VERB
cblr-14258	490	12	that	that	SCONJ
cblr-14258	490	13	its	its	PRON
cblr-14258	490	14	rigidness	rigidness	NOUN
cblr-14258	490	15	has	have	AUX
cblr-14258	490	16	eroded	erode	VERB
cblr-14258	490	17	.	.	PUNCT
cblr-14258	491	1	the	the	DET
cblr-14258	491	2	court	court	PROPN
cblr-14258	491	3	of	of	ADP
cblr-14258	491	4	appeals	appeal	NOUN
cblr-14258	491	5	noted	note	VERB
cblr-14258	491	6	in	in	ADP
cblr-14258	491	7	hodes	hodes	PROPN
cblr-14258	491	8	that	that	SCONJ
cblr-14258	491	9	the	the	DET
cblr-14258	491	10	courts	court	NOUN
cblr-14258	491	11	have	have	AUX
cblr-14258	491	12	over	over	ADP
cblr-14258	491	13	time	time	NOUN
cblr-14258	491	14	recognized	recognize	VERB
cblr-14258	491	15	that	that	SCONJ
cblr-14258	491	16	the	the	DET
cblr-14258	491	17	doctrine	doctrine	NOUN
cblr-14258	491	18	is	be	AUX
cblr-14258	491	19	“	"	PUNCT
cblr-14258	491	20	conclusory	conclusory	ADJ
cblr-14258	491	21	,	,	PUNCT
cblr-14258	491	22	and	and	CCONJ
cblr-14258	491	23	indeed	indeed	ADV
cblr-14258	491	24	a	a	DET
cblr-14258	491	25	fiction	fiction	NOUN
cblr-14258	491	26	that	that	SCONJ
cblr-14258	491	27	‘	'	PUNCT
cblr-14258	491	28	hides	hide	VERB
cblr-14258	491	29	many	many	ADJ
cblr-14258	491	30	unmentioned	unmentioned	ADJ
cblr-14258	491	31	considerations	consideration	NOUN
cblr-14258	491	32	of	of	ADP
cblr-14258	491	33	fairness	fairness	NOUN
cblr-14258	491	34	to	to	ADP
cblr-14258	491	35	the	the	DET
cblr-14258	491	36	parties	party	NOUN
cblr-14258	491	37	,	,	PUNCT
cblr-14258	491	38	reliance	reliance	NOUN
cblr-14258	491	39	on	on	ADP
cblr-14258	491	40	pre	pre	ADJ
cblr-14258	491	41	-	-	ADJ
cblr-14258	491	42	existing	existing	ADJ
cblr-14258	491	43	law	law	NOUN
cblr-14258	491	44	,	,	PUNCT
cblr-14258	491	45	the	the	DET
cblr-14258	491	46	extent	extent	NOUN
cblr-14258	491	47	of	of	ADP
cblr-14258	491	48	retroactivity	retroactivity	NOUN
cblr-14258	491	49	and	and	CCONJ
cblr-14258	491	50	the	the	DET
cblr-14258	491	51	nature	nature	NOUN
cblr-14258	491	52	of	of	ADP
cblr-14258	491	53	the	the	DET
cblr-14258	491	54	public	public	ADJ
cblr-14258	491	55	interest	interest	NOUN
cblr-14258	491	56	to	to	PART
cblr-14258	491	57	be	be	AUX
cblr-14258	491	58	served	serve	VERB
cblr-14258	491	59	by	by	ADP
cblr-14258	491	60	the	the	DET
cblr-14258	491	61	law	law	NOUN
cblr-14258	491	62	.	.	PUNCT
cblr-14258	492	1	’”132	’”132	X
cblr-14258	492	2	modern	modern	ADJ
cblr-14258	492	3	cases	case	NOUN
cblr-14258	492	4	“	"	PUNCT
cblr-14258	492	5	reflect	reflect	VERB
cblr-14258	492	6	a	a	DET
cblr-14258	492	7	less	less	ADV
cblr-14258	492	8	rigid	rigid	ADJ
cblr-14258	492	9	view	view	NOUN
cblr-14258	492	10	”	"	PUNCT
cblr-14258	492	11	and	and	CCONJ
cblr-14258	492	12	“	"	PUNCT
cblr-14258	492	13	more	more	ADV
cblr-14258	492	14	candid	candid	ADJ
cblr-14258	492	15	consideration	consideration	NOUN
cblr-14258	492	16	—	—	PUNCT
cblr-14258	492	17	on	on	ADP
cblr-14258	492	18	a	a	DET
cblr-14258	492	19	case	case	NOUN
cblr-14258	492	20	-	-	PUNCT
cblr-14258	492	21	by	by	ADP
cblr-14258	492	22	-	-	PUNCT
cblr-14258	492	23	case	case	NOUN
cblr-14258	492	24	basis	basis	NOUN
cblr-14258	492	25	—	—	PUNCT
cblr-14258	492	26	of	of	ADP
cblr-14258	492	27	the	the	DET
cblr-14258	492	28	various	various	ADJ
cblr-14258	492	29	policy	policy	NOUN
cblr-14258	492	30	considerations	consideration	NOUN
cblr-14258	492	31	upon	upon	SCONJ
cblr-14258	492	32	which	which	PRON
cblr-14258	492	33	the	the	DET
cblr-14258	492	34	constitutionality	constitutionality	NOUN
cblr-14258	492	35	of	of	ADP
cblr-14258	492	36	retroactive	retroactive	ADJ
cblr-14258	492	37	legislation	legislation	NOUN
cblr-14258	492	38	depends	depend	VERB
cblr-14258	492	39	.	.	PUNCT
cblr-14258	493	1	”133	”133	VERB
cblr-14258	493	2	this	this	DET
cblr-14258	493	3	more	more	ADV
cblr-14258	493	4	balanced	balanced	ADJ
cblr-14258	493	5	view	view	NOUN
cblr-14258	493	6	is	be	AUX
cblr-14258	493	7	applied	apply	VERB
cblr-14258	493	8	as	as	ADP
cblr-14258	493	9	a	a	DET
cblr-14258	493	10	“	"	PUNCT
cblr-14258	493	11	rational	rational	ADJ
cblr-14258	493	12	basis	basis	NOUN
cblr-14258	493	13	”	"	PUNCT
cblr-14258	493	14	test	test	NOUN
cblr-14258	493	15	that	that	PRON
cblr-14258	493	16	is	be	AUX
cblr-14258	493	17	very	very	ADV
cblr-14258	493	18	similar	similar	ADJ
cblr-14258	493	19	to	to	ADP
cblr-14258	493	20	the	the	DET
cblr-14258	493	21	rational	rational	ADJ
cblr-14258	493	22	basis	basis	NOUN
cblr-14258	493	23	test	test	NOUN
cblr-14258	493	24	used	use	VERB
cblr-14258	493	25	by	by	ADP
cblr-14258	493	26	the	the	DET
cblr-14258	493	27	courts	court	NOUN
cblr-14258	493	28	to	to	ADP
cblr-14258	493	29	129	129	NUM
cblr-14258	493	30	hodes	hode	NOUN
cblr-14258	493	31	v.	v.	PROPN
cblr-14258	493	32	axelrod	axelrod	PROPN
cblr-14258	493	33	,	,	PUNCT
cblr-14258	493	34	515	515	NUM
cblr-14258	493	35	n.e.2d	n.e.2d	NOUN
cblr-14258	493	36	612	612	NUM
cblr-14258	493	37	,	,	PUNCT
cblr-14258	493	38	615	615	NUM
cblr-14258	493	39	(	(	PUNCT
cblr-14258	493	40	1987	1987	NUM
cblr-14258	493	41	)	)	PUNCT
cblr-14258	493	42	(	(	PUNCT
cblr-14258	493	43	internal	internal	ADJ
cblr-14258	493	44	quotation	quotation	NOUN
cblr-14258	493	45	marks	mark	NOUN
cblr-14258	493	46	omitted	omit	VERB
cblr-14258	493	47	)	)	PUNCT
cblr-14258	493	48	(	(	PUNCT
cblr-14258	493	49	quoting	quote	VERB
cblr-14258	493	50	n.y	n.y	PROPN
cblr-14258	493	51	.	.	PROPN
cblr-14258	493	52	stat	stat	PROPN
cblr-14258	493	53	.	.	PUNCT
cblr-14258	494	1	law	law	PROPN
cblr-14258	494	2	§	§	PROPN
cblr-14258	494	3	58	58	NUM
cblr-14258	494	4	(	(	PUNCT
cblr-14258	494	5	mckinney	mckinney	NOUN
cblr-14258	494	6	2024	2024	NUM
cblr-14258	494	7	)	)	PUNCT
cblr-14258	494	8	)	)	PUNCT
cblr-14258	495	1	(	(	PUNCT
cblr-14258	495	2	emphasis	emphasis	NOUN
cblr-14258	495	3	added	add	VERB
cblr-14258	495	4	)	)	PUNCT
cblr-14258	495	5	.	.	PUNCT
cblr-14258	496	1	130	130	NUM
cblr-14258	496	2	matter	matter	NOUN
cblr-14258	496	3	of	of	ADP
cblr-14258	496	4	eagle	eagle	PROPN
cblr-14258	496	5	ins	ins	PROPN
cblr-14258	496	6	.	.	PUNCT
cblr-14258	496	7	co.	co.	PROPN
cblr-14258	497	1	v.	v.	ADP
cblr-14258	497	2	persaud	persaud	PROPN
cblr-14258	497	3	,	,	PUNCT
cblr-14258	497	4	1	1	NUM
cblr-14258	497	5	a.d.3d	a.d.3d	ADP
cblr-14258	497	6	356	356	NUM
cblr-14258	497	7	,	,	PUNCT
cblr-14258	497	8	357	357	NUM
cblr-14258	497	9	(	(	PUNCT
cblr-14258	497	10	quoting	quote	VERB
cblr-14258	497	11	n.y	n.y	PROPN
cblr-14258	497	12	.	.	PROPN
cblr-14258	497	13	c.p.l.r	c.p.l.r	PROPN
cblr-14258	497	14	.	.	PROPN
cblr-14258	497	15	2221(e)(2	2221(e)(2	NUM
cblr-14258	497	16	)	)	PUNCT
cblr-14258	497	17	(	(	PUNCT
cblr-14258	497	18	mckinney	mckinney	NOUN
cblr-14258	497	19	1999	1999	NUM
cblr-14258	497	20	)	)	PUNCT
cblr-14258	497	21	)	)	PUNCT
cblr-14258	497	22	.	.	PUNCT
cblr-14258	498	1	131	131	NUM
cblr-14258	498	2	see	see	VERB
cblr-14258	498	3	wilmington	wilmington	PROPN
cblr-14258	498	4	tr	tr	VERB
cblr-14258	498	5	.	.	PROPN
cblr-14258	498	6	,	,	PUNCT
cblr-14258	498	7	n.a	n.a	PROPN
cblr-14258	498	8	.	.	PROPN
cblr-14258	499	1	v.	v.	PROPN
cblr-14258	499	2	gawlowski	gawlowski	PROPN
cblr-14258	499	3	,	,	PUNCT
cblr-14258	499	4	201	201	NUM
cblr-14258	499	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	499	6	605	605	NUM
cblr-14258	499	7	,	,	PUNCT
cblr-14258	499	8	611–12	611–12	PROPN
cblr-14258	499	9	(	(	PUNCT
cblr-14258	499	10	n.y	n.y	PROPN
cblr-14258	499	11	.	.	PROPN
cblr-14258	499	12	sup	sup	PROPN
cblr-14258	499	13	.	.	PUNCT
cblr-14258	500	1	ct	ct	NUM
cblr-14258	500	2	.	.	PROPN
cblr-14258	500	3	2023	2023	NUM
cblr-14258	500	4	)	)	PUNCT
cblr-14258	500	5	.	.	PUNCT
cblr-14258	501	1	132	132	NUM
cblr-14258	501	2	hodes	hode	NOUN
cblr-14258	501	3	,	,	PUNCT
cblr-14258	501	4	515	515	NUM
cblr-14258	501	5	n.e.2d	n.e.2d	NOUN
cblr-14258	501	6	at	at	ADP
cblr-14258	501	7	615	615	NUM
cblr-14258	501	8	(	(	PUNCT
cblr-14258	501	9	citing	cite	VERB
cblr-14258	501	10	chrysler	chrysler	NOUN
cblr-14258	501	11	props	prop	NOUN
cblr-14258	501	12	.	.	PUNCT
cblr-14258	501	13	,	,	PUNCT
cblr-14258	501	14	inc	inc	PROPN
cblr-14258	501	15	.	.	PROPN
cblr-14258	502	1	v.	v.	PROPN
cblr-14258	502	2	morris	morris	PROPN
cblr-14258	502	3	,	,	PUNCT
cblr-14258	502	4	245	245	NUM
cblr-14258	502	5	n.e.2d	n.e.2d	NOUN
cblr-14258	502	6	395	395	NUM
cblr-14258	502	7	,	,	PUNCT
cblr-14258	502	8	397	397	NUM
cblr-14258	502	9	(	(	PUNCT
cblr-14258	502	10	n.y	n.y	PROPN
cblr-14258	502	11	.	.	PROPN
cblr-14258	502	12	1969	1969	NUM
cblr-14258	502	13	)	)	PUNCT
cblr-14258	502	14	)	)	PUNCT
cblr-14258	502	15	.	.	PUNCT
cblr-14258	503	1	133	133	NUM
cblr-14258	503	2	i	i	PRON
cblr-14258	503	3	d.	d.	PROPN
cblr-14258	503	4	648	648	NUM
cblr-14258	503	5	columbia	columbia	PROPN
cblr-14258	503	6	business	business	NOUN
cblr-14258	503	7	law	law	PROPN
cblr-14258	503	8	review	review	NOUN
cblr-14258	503	9	[	[	X
cblr-14258	503	10	vol	vol	NOUN
cblr-14258	503	11	.	.	PUNCT
cblr-14258	503	12	2025	2025	NUM
cblr-14258	503	13	analyze	analyze	VERB
cblr-14258	503	14	constitutional	constitutional	ADJ
cblr-14258	503	15	due	due	ADJ
cblr-14258	503	16	process	process	NOUN
cblr-14258	503	17	violation	violation	NOUN
cblr-14258	503	18	by	by	ADP
cblr-14258	503	19	retroactive	retroactive	ADJ
cblr-14258	503	20	laws.134	laws.134	PROPN
cblr-14258	503	21	interestingly	interestingly	ADV
cblr-14258	503	22	,	,	PUNCT
cblr-14258	503	23	recent	recent	ADJ
cblr-14258	503	24	cases	case	NOUN
cblr-14258	503	25	still	still	ADV
cblr-14258	503	26	employ	employ	VERB
cblr-14258	503	27	the	the	DET
cblr-14258	503	28	traditional	traditional	ADJ
cblr-14258	503	29	rigid	rigid	ADJ
cblr-14258	503	30	doctrine	doctrine	NOUN
cblr-14258	503	31	if	if	SCONJ
cblr-14258	503	32	the	the	DET
cblr-14258	503	33	subject	subject	ADJ
cblr-14258	503	34	judgment	judgment	NOUN
cblr-14258	503	35	is	be	AUX
cblr-14258	503	36	not	not	PART
cblr-14258	503	37	reviewable	reviewable	ADJ
cblr-14258	503	38	by	by	ADP
cblr-14258	503	39	a	a	DET
cblr-14258	503	40	higher	high	ADJ
cblr-14258	503	41	court.135	court.135	NOUN
cblr-14258	503	42	but	but	CCONJ
cblr-14258	503	43	for	for	ADP
cblr-14258	503	44	judgments	judgment	NOUN
cblr-14258	503	45	issued	issue	VERB
cblr-14258	503	46	before	before	ADP
cblr-14258	503	47	fapa	fapa	NOUN
cblr-14258	503	48	that	that	PRON
cblr-14258	503	49	can	can	AUX
cblr-14258	503	50	still	still	ADV
cblr-14258	503	51	be	be	AUX
cblr-14258	503	52	reviewed	review	VERB
cblr-14258	503	53	by	by	ADP
cblr-14258	503	54	a	a	DET
cblr-14258	503	55	higher	high	ADJ
cblr-14258	503	56	court	court	NOUN
cblr-14258	503	57	,	,	PUNCT
cblr-14258	503	58	this	this	DET
cblr-14258	503	59	note	note	NOUN
cblr-14258	503	60	recommends	recommend	VERB
cblr-14258	503	61	the	the	DET
cblr-14258	503	62	courts	court	NOUN
cblr-14258	503	63	to	to	PART
cblr-14258	503	64	employ	employ	VERB
cblr-14258	503	65	the	the	DET
cblr-14258	503	66	“	"	PUNCT
cblr-14258	503	67	rational	rational	ADJ
cblr-14258	503	68	basis	basis	NOUN
cblr-14258	503	69	”	"	PUNCT
cblr-14258	503	70	test	test	NOUN
cblr-14258	503	71	to	to	PART
cblr-14258	503	72	reflect	reflect	VERB
cblr-14258	503	73	the	the	DET
cblr-14258	503	74	more	more	ADV
cblr-14258	503	75	sensible	sensible	ADJ
cblr-14258	503	76	modern	modern	ADJ
cblr-14258	503	77	views	view	NOUN
cblr-14258	503	78	instead	instead	ADV
cblr-14258	503	79	of	of	ADP
cblr-14258	503	80	giving	give	VERB
cblr-14258	503	81	a	a	DET
cblr-14258	503	82	blanket	blanket	NOUN
cblr-14258	503	83	conclusion	conclusion	NOUN
cblr-14258	503	84	,	,	PUNCT
cblr-14258	503	85	as	as	SCONJ
cblr-14258	503	86	the	the	DET
cblr-14258	503	87	courts	court	NOUN
cblr-14258	503	88	did	do	VERB
cblr-14258	503	89	in	in	ADP
cblr-14258	503	90	leonardo	leonardo	PROPN
cblr-14258	503	91	,	,	PUNCT
cblr-14258	503	92	gross	gross	ADJ
cblr-14258	503	93	,	,	PUNCT
cblr-14258	503	94	and	and	CCONJ
cblr-14258	503	95	miele	miele	PROPN
cblr-14258	503	96	,	,	PUNCT
cblr-14258	503	97	that	that	SCONJ
cblr-14258	503	98	mortgagees	mortgagee	NOUN
cblr-14258	503	99	certainly	certainly	ADV
cblr-14258	503	100	do	do	VERB
cblr-14258	503	101	or	or	CCONJ
cblr-14258	503	102	do	do	AUX
cblr-14258	503	103	not	not	PART
cblr-14258	503	104	obtain	obtain	VERB
cblr-14258	503	105	vested	vested	ADJ
cblr-14258	503	106	property	property	NOUN
cblr-14258	503	107	right	right	ADV
cblr-14258	503	108	through	through	ADP
cblr-14258	503	109	a	a	DET
cblr-14258	503	110	jfs.136	jfs.136	NOUN
cblr-14258	503	111	finally	finally	ADV
cblr-14258	503	112	,	,	PUNCT
cblr-14258	503	113	it	it	PRON
cblr-14258	503	114	should	should	AUX
cblr-14258	503	115	be	be	AUX
cblr-14258	503	116	noted	note	VERB
cblr-14258	503	117	that	that	SCONJ
cblr-14258	503	118	mortgagees	mortgagee	NOUN
cblr-14258	503	119	may	may	AUX
cblr-14258	503	120	argue	argue	VERB
cblr-14258	503	121	for	for	ADP
cblr-14258	503	122	vested	vested	ADJ
cblr-14258	503	123	rights	right	NOUN
cblr-14258	503	124	obtained	obtain	VERB
cblr-14258	503	125	not	not	PART
cblr-14258	503	126	through	through	ADP
cblr-14258	503	127	judgments	judgment	NOUN
cblr-14258	503	128	,	,	PUNCT
cblr-14258	503	129	but	but	CCONJ
cblr-14258	503	130	through	through	ADP
cblr-14258	503	131	other	other	ADJ
cblr-14258	503	132	court	court	NOUN
cblr-14258	503	133	decisions	decision	NOUN
cblr-14258	503	134	such	such	ADJ
cblr-14258	503	135	as	as	ADP
cblr-14258	503	136	a	a	DET
cblr-14258	503	137	prior	prior	ADJ
cblr-14258	503	138	denial	denial	NOUN
cblr-14258	503	139	of	of	ADP
cblr-14258	503	140	a	a	DET
cblr-14258	503	141	motion	motion	NOUN
cblr-14258	503	142	,	,	PUNCT
cblr-14258	503	143	brought	bring	VERB
cblr-14258	503	144	by	by	ADP
cblr-14258	503	145	the	the	DET
cblr-14258	503	146	mortgagor	mortgagor	NOUN
cblr-14258	503	147	,	,	PUNCT
cblr-14258	503	148	to	to	PART
cblr-14258	503	149	dismiss	dismiss	VERB
cblr-14258	503	150	the	the	DET
cblr-14258	503	151	foreclosure	foreclosure	NOUN
cblr-14258	503	152	action	action	NOUN
cblr-14258	503	153	.	.	PUNCT
cblr-14258	504	1	such	such	ADJ
cblr-14258	504	2	arguments	argument	NOUN
cblr-14258	504	3	would	would	AUX
cblr-14258	504	4	most	most	ADV
cblr-14258	504	5	likely	likely	ADV
cblr-14258	504	6	fail	fail	VERB
cblr-14258	504	7	.	.	PUNCT
cblr-14258	505	1	in	in	ADP
cblr-14258	505	2	these	these	DET
cblr-14258	505	3	scenarios	scenario	NOUN
cblr-14258	505	4	,	,	PUNCT
cblr-14258	505	5	no	no	DET
cblr-14258	505	6	jfs	jfs	NOUN
cblr-14258	505	7	has	have	AUX
cblr-14258	505	8	been	be	AUX
cblr-14258	505	9	enforced	enforce	VERB
cblr-14258	505	10	,	,	PUNCT
cblr-14258	505	11	thus	thus	ADV
cblr-14258	505	12	retroactive	retroactive	ADJ
cblr-14258	505	13	application	application	NOUN
cblr-14258	505	14	would	would	AUX
cblr-14258	505	15	not	not	PART
cblr-14258	505	16	violate	violate	VERB
cblr-14258	505	17	the	the	DET
cblr-14258	505	18	language	language	NOUN
cblr-14258	505	19	of	of	ADP
cblr-14258	505	20	fapa	fapa	NOUN
cblr-14258	505	21	section	section	NOUN
cblr-14258	505	22	10	10	NUM
cblr-14258	505	23	.	.	PUNCT
cblr-14258	506	1	in	in	ADP
cblr-14258	506	2	addition	addition	NOUN
cblr-14258	506	3	,	,	PUNCT
cblr-14258	506	4	obtaining	obtain	VERB
cblr-14258	506	5	a	a	DET
cblr-14258	506	6	judgment	judgment	NOUN
cblr-14258	506	7	and	and	CCONJ
cblr-14258	506	8	successfully	successfully	ADV
cblr-14258	506	9	defending	defend	VERB
cblr-14258	506	10	against	against	ADP
cblr-14258	506	11	a	a	DET
cblr-14258	506	12	motion	motion	NOUN
cblr-14258	506	13	to	to	PART
cblr-14258	506	14	dismiss	dismiss	VERB
cblr-14258	506	15	are	be	AUX
cblr-14258	506	16	procedurally	procedurally	ADV
cblr-14258	506	17	different	different	ADJ
cblr-14258	506	18	.	.	PUNCT
cblr-14258	507	1	the	the	DET
cblr-14258	507	2	former	former	ADJ
cblr-14258	507	3	is	be	AUX
cblr-14258	507	4	an	an	DET
cblr-14258	507	5	adjudication	adjudication	NOUN
cblr-14258	507	6	on	on	ADP
cblr-14258	507	7	the	the	DET
cblr-14258	507	8	merits	merit	NOUN
cblr-14258	507	9	,	,	PUNCT
cblr-14258	507	10	whereas	whereas	SCONJ
cblr-14258	507	11	the	the	DET
cblr-14258	507	12	latter	latter	NOUN
cblr-14258	507	13	is	be	AUX
cblr-14258	507	14	not	not	PART
cblr-14258	507	15	a	a	DET
cblr-14258	507	16	final	final	ADJ
cblr-14258	507	17	order	order	NOUN
cblr-14258	507	18	but	but	CCONJ
cblr-14258	507	19	merely	merely	ADV
cblr-14258	507	20	allows	allow	VERB
cblr-14258	507	21	the	the	DET
cblr-14258	507	22	mortgagee	mortgagee	NOUN
cblr-14258	507	23	to	to	PART
cblr-14258	507	24	keep	keep	VERB
cblr-14258	507	25	pursuing	pursue	VERB
cblr-14258	507	26	its	its	PRON
cblr-14258	507	27	claim.137	claim.137	NOUN
cblr-14258	507	28	thus	thus	ADV
cblr-14258	507	29	,	,	PUNCT
cblr-14258	507	30	unlike	unlike	ADP
cblr-14258	507	31	a	a	DET
cblr-14258	507	32	jfs	jfs	NOUN
cblr-14258	507	33	,	,	PUNCT
cblr-14258	507	34	a	a	DET
cblr-14258	507	35	denial	denial	NOUN
cblr-14258	507	36	of	of	ADP
cblr-14258	507	37	a	a	DET
cblr-14258	507	38	motion	motion	NOUN
cblr-14258	507	39	to	to	PART
cblr-14258	507	40	dismiss	dismiss	VERB
cblr-14258	507	41	does	do	AUX
cblr-14258	507	42	not	not	PART
cblr-14258	507	43	grant	grant	VERB
cblr-14258	507	44	a	a	DET
cblr-14258	507	45	vested	vested	ADJ
cblr-14258	507	46	property	property	NOUN
cblr-14258	507	47	right	right	NOUN
cblr-14258	507	48	.	.	PUNCT
cblr-14258	508	1	in	in	ADP
cblr-14258	508	2	miele	miele	PROPN
cblr-14258	508	3	,	,	PUNCT
cblr-14258	508	4	the	the	DET
cblr-14258	508	5	mortgagor	mortgagor	NOUN
cblr-14258	508	6	also	also	ADV
cblr-14258	508	7	filed	file	VERB
cblr-14258	508	8	a	a	DET
cblr-14258	508	9	motion	motion	NOUN
cblr-14258	508	10	to	to	PART
cblr-14258	508	11	dismiss	dismiss	VERB
cblr-14258	508	12	,	,	PUNCT
cblr-14258	508	13	claiming	claim	VERB
cblr-14258	508	14	that	that	SCONJ
cblr-14258	508	15	the	the	DET
cblr-14258	508	16	foreclosure	foreclosure	NOUN
cblr-14258	508	17	action	action	NOUN
cblr-14258	508	18	was	be	AUX
cblr-14258	508	19	time	time	NOUN
cblr-14258	508	20	-	-	PUNCT
cblr-14258	508	21	barred	bar	VERB
cblr-14258	508	22	because	because	SCONJ
cblr-14258	508	23	the	the	DET
cblr-14258	508	24	mortgagee	mortgagee	PROPN
cblr-14258	508	25	’s	’s	PART
cblr-14258	508	26	prior	prior	ADJ
cblr-14258	508	27	voluntary	voluntary	ADJ
cblr-14258	508	28	discontinuance	discontinuance	NOUN
cblr-14258	508	29	did	do	AUX
cblr-14258	508	30	not	not	PART
cblr-14258	508	31	toll	toll	VERB
cblr-14258	508	32	the	the	DET
cblr-14258	508	33	statute	statute	NOUN
cblr-14258	508	34	of	of	ADP
cblr-14258	508	35	134	134	NUM
cblr-14258	508	36	see	see	VERB
cblr-14258	508	37	chrysler	chrysler	NOUN
cblr-14258	508	38	props	prop	NOUN
cblr-14258	508	39	.	.	PUNCT
cblr-14258	508	40	,	,	PUNCT
cblr-14258	508	41	inc	inc	PROPN
cblr-14258	508	42	.	.	PROPN
cblr-14258	508	43	v.	v.	PROPN
cblr-14258	508	44	morris	morris	PROPN
cblr-14258	508	45	,	,	PUNCT
cblr-14258	508	46	245	245	NUM
cblr-14258	508	47	n.e.2d	n.e.2d	NOUN
cblr-14258	508	48	395	395	NUM
cblr-14258	508	49	,	,	PUNCT
cblr-14258	508	50	397	397	NUM
cblr-14258	508	51	(	(	PUNCT
cblr-14258	508	52	n.y	n.y	PROPN
cblr-14258	508	53	.	.	PROPN
cblr-14258	508	54	1969	1969	NUM
cblr-14258	508	55	)	)	PUNCT
cblr-14258	508	56	.	.	PUNCT
cblr-14258	509	1	135	135	NUM
cblr-14258	509	2	see	see	VERB
cblr-14258	509	3	gawlowski	gawlowski	NOUN
cblr-14258	509	4	,	,	PUNCT
cblr-14258	509	5	201	201	NUM
cblr-14258	509	6	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	509	7	at	at	ADP
cblr-14258	509	8	610	610	NUM
cblr-14258	509	9	;	;	PUNCT
cblr-14258	509	10	see	see	VERB
cblr-14258	509	11	also	also	ADV
cblr-14258	509	12	hodes	hode	NOUN
cblr-14258	509	13	,	,	PUNCT
cblr-14258	509	14	515	515	NUM
cblr-14258	509	15	n.e.2d	n.e.2d	NOUN
cblr-14258	509	16	at	at	ADP
cblr-14258	509	17	615–16	615–16	NOUN
cblr-14258	509	18	(	(	PUNCT
cblr-14258	509	19	noting	note	VERB
cblr-14258	509	20	that	that	SCONJ
cblr-14258	509	21	although	although	SCONJ
cblr-14258	509	22	the	the	DET
cblr-14258	509	23	court	court	NOUN
cblr-14258	509	24	of	of	ADP
cblr-14258	509	25	appeals	appeal	NOUN
cblr-14258	509	26	affirmed	affirm	VERB
cblr-14258	509	27	the	the	DET
cblr-14258	509	28	“	"	PUNCT
cblr-14258	509	29	due	due	ADJ
cblr-14258	509	30	process	process	NOUN
cblr-14258	509	31	”	"	PUNCT
cblr-14258	509	32	rational	rational	ADJ
cblr-14258	509	33	basis	basis	NOUN
cblr-14258	509	34	balancing	balancing	NOUN
cblr-14258	509	35	test	test	NOUN
cblr-14258	509	36	again	again	ADV
cblr-14258	509	37	in	in	ADP
cblr-14258	509	38	1987	1987	NUM
cblr-14258	509	39	,	,	PUNCT
cblr-14258	509	40	it	it	PRON
cblr-14258	509	41	also	also	ADV
cblr-14258	509	42	affirmatively	affirmatively	ADV
cblr-14258	509	43	found	find	VERB
cblr-14258	509	44	that	that	SCONJ
cblr-14258	509	45	there	there	PRON
cblr-14258	509	46	exists	exist	VERB
cblr-14258	509	47	a	a	DET
cblr-14258	509	48	“	"	PUNCT
cblr-14258	509	49	final	final	ADJ
cblr-14258	509	50	judgment	judgment	NOUN
cblr-14258	509	51	”	"	PUNCT
cblr-14258	509	52	exception	exception	NOUN
cblr-14258	509	53	to	to	ADP
cblr-14258	509	54	the	the	DET
cblr-14258	509	55	doctrine	doctrine	NOUN
cblr-14258	509	56	wherein	wherein	SCONJ
cblr-14258	509	57	res	re	NOUN
cblr-14258	509	58	judicata	judicata	NOUN
cblr-14258	509	59	was	be	AUX
cblr-14258	509	60	acknowledged	acknowledge	VERB
cblr-14258	509	61	to	to	PART
cblr-14258	509	62	be	be	AUX
cblr-14258	509	63	a	a	DET
cblr-14258	509	64	bar	bar	NOUN
cblr-14258	509	65	to	to	ADP
cblr-14258	509	66	the	the	DET
cblr-14258	509	67	application	application	NOUN
cblr-14258	509	68	of	of	ADP
cblr-14258	509	69	a	a	DET
cblr-14258	509	70	legislative	legislative	ADJ
cblr-14258	509	71	retroactivity	retroactivity	NOUN
cblr-14258	509	72	clause	clause	NOUN
cblr-14258	509	73	)	)	PUNCT
cblr-14258	509	74	.	.	PUNCT
cblr-14258	510	1	136	136	NUM
cblr-14258	510	2	see	see	VERB
cblr-14258	510	3	u.s	u.s	PROPN
cblr-14258	510	4	.	.	PROPN
cblr-14258	510	5	bank	bank	PROPN
cblr-14258	510	6	tr	tr	VERB
cblr-14258	510	7	.	.	PROPN
cblr-14258	510	8	,	,	PUNCT
cblr-14258	510	9	n.a	n.a	PROPN
cblr-14258	510	10	.	.	PROPN
cblr-14258	510	11	v.	v.	PROPN
cblr-14258	510	12	leonardo	leonardo	PROPN
cblr-14258	510	13	,	,	PUNCT
cblr-14258	510	14	192	192	NUM
cblr-14258	510	15	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	510	16	472	472	NUM
cblr-14258	510	17	,	,	PUNCT
cblr-14258	510	18	476–77	476–77	NOUN
cblr-14258	510	19	;	;	PUNCT
cblr-14258	510	20	mtglq	mtglq	PROPN
cblr-14258	510	21	invs	invs	NOUN
cblr-14258	510	22	.	.	PROPN
cblr-14258	510	23	,	,	PUNCT
cblr-14258	511	1	l.p	l.p	PROPN
cblr-14258	511	2	.	.	PROPN
cblr-14258	511	3	v.	v.	ADP
cblr-14258	511	4	gross	gross	ADJ
cblr-14258	511	5	,	,	PUNCT
cblr-14258	511	6	190	190	NUM
cblr-14258	511	7	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	511	8	244	244	NUM
cblr-14258	511	9	,	,	PUNCT
cblr-14258	511	10	250–51	250–51	NUM
cblr-14258	511	11	(	(	PUNCT
cblr-14258	511	12	n.y	n.y	PROPN
cblr-14258	511	13	.	.	PROPN
cblr-14258	511	14	sup	sup	PROPN
cblr-14258	511	15	.	.	PUNCT
cblr-14258	512	1	ct	ct	NUM
cblr-14258	512	2	.	.	PROPN
cblr-14258	512	3	2023	2023	NUM
cblr-14258	512	4	)	)	PUNCT
cblr-14258	513	1	;	;	PUNCT
cblr-14258	513	2	u.s	u.s	PROPN
cblr-14258	513	3	.	.	PROPN
cblr-14258	513	4	bank	bank	PROPN
cblr-14258	513	5	tr	tr	VERB
cblr-14258	513	6	.	.	PROPN
cblr-14258	513	7	,	,	PUNCT
cblr-14258	513	8	n.a	n.a	PROPN
cblr-14258	513	9	.	.	PROPN
cblr-14258	514	1	v.	v.	PROPN
cblr-14258	514	2	miele	miele	PROPN
cblr-14258	514	3	,	,	PUNCT
cblr-14258	514	4	197	197	NUM
cblr-14258	514	5	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	514	6	656	656	NUM
cblr-14258	514	7	,	,	PUNCT
cblr-14258	514	8	671	671	NUM
cblr-14258	514	9	(	(	PUNCT
cblr-14258	514	10	n.y	n.y	PROPN
cblr-14258	514	11	.	.	PROPN
cblr-14258	514	12	sup	sup	PROPN
cblr-14258	514	13	.	.	PUNCT
cblr-14258	515	1	ct	ct	NUM
cblr-14258	515	2	.	.	PROPN
cblr-14258	515	3	2023	2023	NUM
cblr-14258	515	4	)	)	PUNCT
cblr-14258	515	5	.	.	PUNCT
cblr-14258	516	1	137	137	NUM
cblr-14258	516	2	see	see	VERB
cblr-14258	516	3	smith	smith	PROPN
cblr-14258	516	4	v.	v.	ADP
cblr-14258	516	5	city	city	PROPN
cblr-14258	516	6	of	of	ADP
cblr-14258	516	7	new	new	PROPN
cblr-14258	516	8	york	york	PROPN
cblr-14258	516	9	,	,	PUNCT
cblr-14258	516	10	130	130	NUM
cblr-14258	516	11	f.	f.	PROPN
cblr-14258	516	12	supp	supp	PROPN
cblr-14258	516	13	.	.	PUNCT
cblr-14258	517	1	3d	3d	PROPN
cblr-14258	517	2	819	819	NUM
cblr-14258	517	3	,	,	PUNCT
cblr-14258	517	4	828	828	NUM
cblr-14258	517	5	(	(	PUNCT
cblr-14258	517	6	s.d.n.y	s.d.n.y	PROPN
cblr-14258	517	7	.	.	PROPN
cblr-14258	517	8	2015	2015	NUM
cblr-14258	517	9	)	)	PUNCT
cblr-14258	517	10	,	,	PUNCT
cblr-14258	517	11	aff’d	aff’d	VERB
cblr-14258	517	12	,	,	PUNCT
cblr-14258	517	13	664	664	NUM
cblr-14258	517	14	f.	f.	PROPN
cblr-14258	517	15	app’x	app’x	PROPN
cblr-14258	517	16	45	45	NUM
cblr-14258	517	17	(	(	PUNCT
cblr-14258	517	18	2d	2d	NUM
cblr-14258	517	19	cir	cir	NOUN
cblr-14258	517	20	.	.	PROPN
cblr-14258	517	21	2016	2016	NUM
cblr-14258	517	22	)	)	PUNCT
cblr-14258	517	23	.	.	PUNCT
cblr-14258	518	1	see	see	VERB
cblr-14258	518	2	also	also	ADV
cblr-14258	518	3	bernard	bernard	VERB
cblr-14258	518	4	v.	v.	PROPN
cblr-14258	518	5	cnty	cnty	PROPN
cblr-14258	518	6	.	.	PUNCT
cblr-14258	519	1	of	of	ADP
cblr-14258	519	2	suffolk	suffolk	PROPN
cblr-14258	519	3	,	,	PUNCT
cblr-14258	519	4	356	356	NUM
cblr-14258	519	5	f.3d	f.3d	NUM
cblr-14258	519	6	495	495	NUM
cblr-14258	519	7	,	,	PUNCT
cblr-14258	519	8	501	501	NUM
cblr-14258	519	9	(	(	PUNCT
cblr-14258	519	10	2d	2d	NUM
cblr-14258	519	11	cir	cir	NOUN
cblr-14258	519	12	.	.	PUNCT
cblr-14258	519	13	2004	2004	NUM
cblr-14258	519	14	)	)	PUNCT
cblr-14258	519	15	.	.	PUNCT
cblr-14258	520	1	no	no	INTJ
cblr-14258	520	2	.	.	NOUN
cblr-14258	520	3	1	1	NUM
cblr-14258	520	4	]	]	PUNCT
cblr-14258	520	5	retroactive	retroactive	ADJ
cblr-14258	520	6	application	application	NOUN
cblr-14258	520	7	of	of	ADP
cblr-14258	520	8	the	the	DET
cblr-14258	520	9	ny	ny	PROPN
cblr-14258	520	10	fapa	fapa	PROPN
cblr-14258	520	11	649	649	NUM
cblr-14258	520	12	limitations.138	limitations.138	VERB
cblr-14258	520	13	notwithstanding	notwithstanding	ADP
cblr-14258	520	14	the	the	DET
cblr-14258	520	15	court	court	NOUN
cblr-14258	520	16	’s	’s	PART
cblr-14258	520	17	prior	prior	ADJ
cblr-14258	520	18	denial	denial	NOUN
cblr-14258	520	19	,	,	PUNCT
cblr-14258	520	20	before	before	ADP
cblr-14258	520	21	fapa	fapa	NOUN
cblr-14258	520	22	,	,	PUNCT
cblr-14258	520	23	of	of	ADP
cblr-14258	520	24	the	the	DET
cblr-14258	520	25	mortgagor	mortgagor	NOUN
cblr-14258	520	26	’s	’s	PART
cblr-14258	520	27	motion	motion	NOUN
cblr-14258	520	28	to	to	PART
cblr-14258	520	29	dismiss	dismiss	VERB
cblr-14258	520	30	based	base	VERB
cblr-14258	520	31	on	on	ADP
cblr-14258	520	32	engel	engel	PROPN
cblr-14258	520	33	,	,	PUNCT
cblr-14258	520	34	the	the	DET
cblr-14258	520	35	court	court	NOUN
cblr-14258	520	36	still	still	ADV
cblr-14258	520	37	retroactively	retroactively	ADV
cblr-14258	520	38	applied	apply	VERB
cblr-14258	520	39	fapa	fapa	NOUN
cblr-14258	520	40	,	,	PUNCT
cblr-14258	520	41	inherently	inherently	ADV
cblr-14258	520	42	suggesting	suggest	VERB
cblr-14258	520	43	that	that	SCONJ
cblr-14258	520	44	in	in	ADP
cblr-14258	520	45	a	a	DET
cblr-14258	520	46	foreclosure	foreclosure	NOUN
cblr-14258	520	47	action	action	NOUN
cblr-14258	520	48	,	,	PUNCT
cblr-14258	520	49	the	the	DET
cblr-14258	520	50	successful	successful	ADJ
cblr-14258	520	51	defense	defense	NOUN
cblr-14258	520	52	against	against	ADP
cblr-14258	520	53	a	a	DET
cblr-14258	520	54	motion	motion	NOUN
cblr-14258	520	55	to	to	PART
cblr-14258	520	56	dismiss	dismiss	VERB
cblr-14258	520	57	does	do	AUX
cblr-14258	520	58	not	not	PART
cblr-14258	520	59	vest	vest	VERB
cblr-14258	520	60	any	any	DET
cblr-14258	520	61	property	property	NOUN
cblr-14258	520	62	right.139	right.139	VERB
cblr-14258	520	63	other	other	ADJ
cblr-14258	520	64	decisions	decision	NOUN
cblr-14258	520	65	in	in	ADP
cblr-14258	520	66	the	the	DET
cblr-14258	520	67	litigation	litigation	NOUN
cblr-14258	520	68	process	process	NOUN
cblr-14258	520	69	,	,	PUNCT
cblr-14258	520	70	other	other	ADJ
cblr-14258	520	71	than	than	ADP
cblr-14258	520	72	a	a	DET
cblr-14258	520	73	jfs	jfs	NOUN
cblr-14258	520	74	,	,	PUNCT
cblr-14258	520	75	may	may	AUX
cblr-14258	520	76	also	also	ADV
cblr-14258	520	77	warrant	warrant	VERB
cblr-14258	520	78	discussion	discussion	NOUN
cblr-14258	520	79	on	on	ADP
cblr-14258	520	80	whether	whether	SCONJ
cblr-14258	520	81	they	they	PRON
cblr-14258	520	82	would	would	AUX
cblr-14258	520	83	create	create	VERB
cblr-14258	520	84	vested	vested	ADJ
cblr-14258	520	85	rights	right	NOUN
cblr-14258	520	86	in	in	ADP
cblr-14258	520	87	the	the	DET
cblr-14258	520	88	mortgagees	mortgagee	NOUN
cblr-14258	520	89	,	,	PUNCT
cblr-14258	520	90	and	and	CCONJ
cblr-14258	520	91	this	this	DET
cblr-14258	520	92	note	note	NOUN
cblr-14258	520	93	leaves	leave	VERB
cblr-14258	520	94	such	such	ADJ
cblr-14258	520	95	inquiry	inquiry	NOUN
cblr-14258	520	96	to	to	ADP
cblr-14258	520	97	future	future	ADJ
cblr-14258	520	98	research	research	NOUN
cblr-14258	520	99	.	.	PUNCT
cblr-14258	521	1	in	in	ADP
cblr-14258	521	2	summary	summary	NOUN
cblr-14258	521	3	,	,	PUNCT
cblr-14258	521	4	this	this	PRON
cblr-14258	521	5	sub	sub	NOUN
cblr-14258	521	6	-	-	NOUN
cblr-14258	521	7	section	section	NOUN
cblr-14258	521	8	has	have	AUX
cblr-14258	521	9	attempted	attempt	VERB
cblr-14258	521	10	to	to	PART
cblr-14258	521	11	resolve	resolve	VERB
cblr-14258	521	12	the	the	DET
cblr-14258	521	13	conflicts	conflict	NOUN
cblr-14258	521	14	and	and	CCONJ
cblr-14258	521	15	vagueness	vagueness	NOUN
cblr-14258	521	16	of	of	ADP
cblr-14258	521	17	existing	exist	VERB
cblr-14258	521	18	case	case	NOUN
cblr-14258	521	19	law	law	NOUN
cblr-14258	521	20	on	on	ADP
cblr-14258	521	21	fapa	fapa	NOUN
cblr-14258	521	22	by	by	ADP
cblr-14258	521	23	determining	determine	VERB
cblr-14258	521	24	that	that	PRON
cblr-14258	521	25	:	:	PUNCT
cblr-14258	521	26	a	a	DET
cblr-14258	521	27	final	final	ADJ
cblr-14258	521	28	jfs	jfs	NOUN
cblr-14258	521	29	not	not	PART
cblr-14258	521	30	reviewable	reviewable	ADJ
cblr-14258	521	31	by	by	ADP
cblr-14258	521	32	a	a	DET
cblr-14258	521	33	higher	high	ADJ
cblr-14258	521	34	court	court	NOUN
cblr-14258	521	35	vests	vest	NOUN
cblr-14258	521	36	within	within	ADP
cblr-14258	521	37	the	the	DET
cblr-14258	521	38	mortgagee	mortgagee	NOUN
cblr-14258	521	39	property	property	NOUN
cblr-14258	521	40	rights	right	NOUN
cblr-14258	521	41	that	that	PRON
cblr-14258	521	42	can	can	AUX
cblr-14258	521	43	not	not	PART
cblr-14258	521	44	be	be	AUX
cblr-14258	521	45	violated	violate	VERB
cblr-14258	521	46	by	by	ADP
cblr-14258	521	47	retroactive	retroactive	ADJ
cblr-14258	521	48	application	application	NOUN
cblr-14258	521	49	;	;	PUNCT
cblr-14258	521	50	final	final	ADJ
cblr-14258	521	51	judgments	judgment	NOUN
cblr-14258	521	52	that	that	PRON
cblr-14258	521	53	may	may	AUX
cblr-14258	521	54	still	still	ADV
cblr-14258	521	55	be	be	AUX
cblr-14258	521	56	reviewed	review	VERB
cblr-14258	521	57	and	and	CCONJ
cblr-14258	521	58	appealed	appeal	VERB
cblr-14258	521	59	may	may	AUX
cblr-14258	521	60	vest	vest	VERB
cblr-14258	521	61	property	property	NOUN
cblr-14258	521	62	rights	right	NOUN
cblr-14258	521	63	,	,	PUNCT
cblr-14258	521	64	but	but	CCONJ
cblr-14258	521	65	a	a	DET
cblr-14258	521	66	case	case	NOUN
cblr-14258	521	67	-	-	PUNCT
cblr-14258	521	68	by	by	ADP
cblr-14258	521	69	-	-	PUNCT
cblr-14258	521	70	case	case	NOUN
cblr-14258	521	71	rational	rational	ADJ
cblr-14258	521	72	basis	basis	NOUN
cblr-14258	521	73	test	test	NOUN
cblr-14258	521	74	should	should	AUX
cblr-14258	521	75	be	be	AUX
cblr-14258	521	76	employed	employ	VERB
cblr-14258	521	77	to	to	PART
cblr-14258	521	78	determine	determine	VERB
cblr-14258	521	79	whether	whether	SCONJ
cblr-14258	521	80	retroactive	retroactive	ADJ
cblr-14258	521	81	application	application	NOUN
cblr-14258	521	82	is	be	AUX
cblr-14258	521	83	proper	proper	ADJ
cblr-14258	521	84	;	;	PUNCT
cblr-14258	521	85	a	a	DET
cblr-14258	521	86	right	right	NOUN
cblr-14258	521	87	of	of	ADP
cblr-14258	521	88	action	action	NOUN
cblr-14258	521	89	that	that	PRON
cblr-14258	521	90	was	be	AUX
cblr-14258	521	91	viable	viable	ADJ
cblr-14258	521	92	at	at	ADP
cblr-14258	521	93	the	the	DET
cblr-14258	521	94	time	time	NOUN
cblr-14258	521	95	it	it	PRON
cblr-14258	521	96	was	be	AUX
cblr-14258	521	97	filed	file	VERB
cblr-14258	521	98	,	,	PUNCT
cblr-14258	521	99	without	without	ADP
cblr-14258	521	100	judgment	judgment	NOUN
cblr-14258	521	101	,	,	PUNCT
cblr-14258	521	102	does	do	AUX
cblr-14258	521	103	not	not	PART
cblr-14258	521	104	impede	impede	VERB
cblr-14258	521	105	retroactive	retroactive	ADJ
cblr-14258	521	106	action	action	NOUN
cblr-14258	521	107	;	;	PUNCT
cblr-14258	521	108	finally	finally	ADV
cblr-14258	521	109	,	,	PUNCT
cblr-14258	521	110	court	court	NOUN
cblr-14258	521	111	decisions	decision	NOUN
cblr-14258	521	112	other	other	ADJ
cblr-14258	521	113	than	than	ADP
cblr-14258	521	114	judgments	judgment	NOUN
cblr-14258	521	115	,	,	PUNCT
cblr-14258	521	116	such	such	ADJ
cblr-14258	521	117	as	as	ADP
cblr-14258	521	118	a	a	DET
cblr-14258	521	119	prior	prior	ADJ
cblr-14258	521	120	denial	denial	NOUN
cblr-14258	521	121	of	of	ADP
cblr-14258	521	122	a	a	DET
cblr-14258	521	123	motion	motion	NOUN
cblr-14258	521	124	to	to	PART
cblr-14258	521	125	dismiss	dismiss	VERB
cblr-14258	521	126	,	,	PUNCT
cblr-14258	521	127	would	would	AUX
cblr-14258	521	128	most	most	ADV
cblr-14258	521	129	likely	likely	ADV
cblr-14258	521	130	not	not	PART
cblr-14258	521	131	vest	vest	VERB
cblr-14258	521	132	rights	right	NOUN
cblr-14258	521	133	and	and	CCONJ
cblr-14258	521	134	hinder	hinder	NOUN
cblr-14258	521	135	fapa	fapa	PROPN
cblr-14258	521	136	’s	’s	PART
cblr-14258	521	137	retroactive	retroactive	ADJ
cblr-14258	521	138	application	application	NOUN
cblr-14258	521	139	.	.	PUNCT
cblr-14258	522	1	c.	c.	NOUN
cblr-14258	522	2	considerations	consideration	NOUN
cblr-14258	522	3	on	on	ADP
cblr-14258	522	4	contract	contract	NOUN
cblr-14258	522	5	right	right	ADJ
cblr-14258	522	6	violations	violation	NOUN
cblr-14258	522	7	finally	finally	ADV
cblr-14258	522	8	,	,	PUNCT
cblr-14258	522	9	as	as	SCONJ
cblr-14258	522	10	noted	note	VERB
cblr-14258	522	11	earlier	early	ADV
cblr-14258	522	12	,	,	PUNCT
cblr-14258	522	13	the	the	DET
cblr-14258	522	14	vested	vested	ADJ
cblr-14258	522	15	right	right	ADJ
cblr-14258	522	16	doctrine	doctrine	NOUN
cblr-14258	522	17	is	be	AUX
cblr-14258	522	18	closely	closely	ADV
cblr-14258	522	19	associated	associate	VERB
cblr-14258	522	20	with	with	ADP
cblr-14258	522	21	the	the	DET
cblr-14258	522	22	question	question	NOUN
cblr-14258	522	23	of	of	ADP
cblr-14258	522	24	fapa	fapa	NOUN
cblr-14258	522	25	’s	’s	PART
cblr-14258	522	26	constitutionality	constitutionality	NOUN
cblr-14258	522	27	,	,	PUNCT
cblr-14258	522	28	since	since	SCONJ
cblr-14258	522	29	the	the	DET
cblr-14258	522	30	“	"	PUNCT
cblr-14258	522	31	vested	vested	ADJ
cblr-14258	522	32	right	right	NOUN
cblr-14258	522	33	”	"	PUNCT
cblr-14258	522	34	here	here	ADV
cblr-14258	522	35	often	often	ADV
cblr-14258	522	36	refers	refer	VERB
cblr-14258	522	37	to	to	ADP
cblr-14258	522	38	property	property	NOUN
cblr-14258	522	39	and	and	CCONJ
cblr-14258	522	40	due	due	ADJ
cblr-14258	522	41	process	process	NOUN
cblr-14258	522	42	rights	right	NOUN
cblr-14258	522	43	of	of	ADP
cblr-14258	522	44	the	the	DET
cblr-14258	522	45	mortgagee	mortgagee	NOUN
cblr-14258	522	46	.	.	PUNCT
cblr-14258	523	1	as	as	ADP
cblr-14258	523	2	for	for	ADP
cblr-14258	523	3	contract	contract	NOUN
cblr-14258	523	4	right	right	ADJ
cblr-14258	523	5	violations	violation	NOUN
cblr-14258	523	6	under	under	ADP
cblr-14258	523	7	the	the	DET
cblr-14258	523	8	constitution	constitution	NOUN
cblr-14258	523	9	,	,	PUNCT
cblr-14258	523	10	the	the	DET
cblr-14258	523	11	lower	low	ADJ
cblr-14258	523	12	courts	court	NOUN
cblr-14258	523	13	have	have	AUX
cblr-14258	523	14	been	be	AUX
cblr-14258	523	15	fairly	fairly	ADV
cblr-14258	523	16	clear	clear	ADJ
cblr-14258	523	17	that	that	SCONJ
cblr-14258	523	18	such	such	ADJ
cblr-14258	523	19	rights	right	NOUN
cblr-14258	523	20	may	may	AUX
cblr-14258	523	21	be	be	AUX
cblr-14258	523	22	violated	violate	VERB
cblr-14258	523	23	by	by	ADP
cblr-14258	523	24	fapa	fapa	NOUN
cblr-14258	523	25	’s	’s	PART
cblr-14258	523	26	retroactive	retroactive	ADJ
cblr-14258	523	27	application	application	NOUN
cblr-14258	523	28	only	only	ADV
cblr-14258	523	29	if	if	SCONJ
cblr-14258	523	30	it	it	PRON
cblr-14258	523	31	would	would	AUX
cblr-14258	523	32	substantially	substantially	ADV
cblr-14258	523	33	impair	impair	VERB
cblr-14258	523	34	express	express	ADJ
cblr-14258	523	35	contract	contract	NOUN
cblr-14258	523	36	terms	term	NOUN
cblr-14258	523	37	within	within	ADP
cblr-14258	523	38	the	the	DET
cblr-14258	523	39	mortgage	mortgage	NOUN
cblr-14258	523	40	agreement.140	agreement.140	NOUN
cblr-14258	524	1	it	it	PRON
cblr-14258	524	2	is	be	AUX
cblr-14258	524	3	indeed	indeed	ADV
cblr-14258	524	4	well	well	ADV
cblr-14258	524	5	settled	settle	VERB
cblr-14258	524	6	that	that	SCONJ
cblr-14258	524	7	“	"	PUNCT
cblr-14258	524	8	where	where	SCONJ
cblr-14258	524	9	no	no	DET
cblr-14258	524	10	contractual	contractual	ADJ
cblr-14258	524	11	agreement	agreement	NOUN
cblr-14258	524	12	concerning	concern	VERB
cblr-14258	524	13	the	the	DET
cblr-14258	524	14	terms	term	NOUN
cblr-14258	524	15	is	be	AUX
cblr-14258	524	16	138	138	NUM
cblr-14258	524	17	miele	miele	NOUN
cblr-14258	524	18	,	,	PUNCT
cblr-14258	524	19	197	197	NUM
cblr-14258	524	20	n.y.s.3d	n.y.s.3d	NOUN
cblr-14258	524	21	at	at	ADP
cblr-14258	524	22	661	661	NUM
cblr-14258	524	23	.	.	PUNCT
cblr-14258	525	1	139	139	NUM
cblr-14258	526	1	i	i	PRON
cblr-14258	526	2	d.	d.	NOUN
cblr-14258	526	3	at	at	ADP
cblr-14258	526	4	671	671	NUM
cblr-14258	526	5	.	.	PUNCT
cblr-14258	527	1	140	140	NUM
cblr-14258	527	2	see	see	VERB
cblr-14258	527	3	supra	supra	PROPN
cblr-14258	527	4	section	section	NOUN
cblr-14258	527	5	ii.c.iii	ii.c.iii	NOUN
cblr-14258	527	6	.	.	PUNCT
cblr-14258	528	1	650	650	NUM
cblr-14258	528	2	columbia	columbia	PROPN
cblr-14258	528	3	business	business	NOUN
cblr-14258	528	4	law	law	PROPN
cblr-14258	528	5	review	review	NOUN
cblr-14258	528	6	[	[	X
cblr-14258	528	7	vol	vol	NOUN
cblr-14258	528	8	.	.	PUNCT
cblr-14258	528	9	2025	2025	NUM
cblr-14258	528	10	changed	change	VERB
cblr-14258	528	11	by	by	ADP
cblr-14258	528	12	the	the	DET
cblr-14258	528	13	legislation	legislation	NOUN
cblr-14258	528	14	,	,	PUNCT
cblr-14258	528	15	the	the	DET
cblr-14258	528	16	legislation	legislation	NOUN
cblr-14258	528	17	can	can	AUX
cblr-14258	528	18	not	not	PART
cblr-14258	528	19	violate	violate	VERB
cblr-14258	528	20	the	the	DET
cblr-14258	528	21	contracts	contract	NOUN
cblr-14258	528	22	clause	clause	NOUN
cblr-14258	528	23	.	.	PUNCT
cblr-14258	529	1	”141	”141	VERB
cblr-14258	529	2	the	the	DET
cblr-14258	529	3	majority	majority	NOUN
cblr-14258	529	4	of	of	ADP
cblr-14258	529	5	existing	exist	VERB
cblr-14258	529	6	fapa	fapa	NOUN
cblr-14258	529	7	cases	case	NOUN
cblr-14258	529	8	involve	involve	VERB
cblr-14258	529	9	mortgage	mortgage	NOUN
cblr-14258	529	10	agreements	agreement	NOUN
cblr-14258	529	11	or	or	CCONJ
cblr-14258	529	12	notes	note	NOUN
cblr-14258	529	13	in	in	ADP
cblr-14258	529	14	which	which	PRON
cblr-14258	529	15	there	there	PRON
cblr-14258	529	16	was	be	VERB
cblr-14258	529	17	no	no	DET
cblr-14258	529	18	express	express	ADJ
cblr-14258	529	19	language	language	NOUN
cblr-14258	529	20	allowing	allow	VERB
cblr-14258	529	21	the	the	DET
cblr-14258	529	22	mortgagee	mortgagee	NOUN
cblr-14258	529	23	to	to	PART
cblr-14258	529	24	“	"	PUNCT
cblr-14258	529	25	revoke	revoke	VERB
cblr-14258	529	26	acceleration	acceleration	NOUN
cblr-14258	529	27	,	,	PUNCT
cblr-14258	529	28	”	"	PUNCT
cblr-14258	529	29	so	so	SCONJ
cblr-14258	529	30	fapa	fapa	PROPN
cblr-14258	529	31	’s	’s	PART
cblr-14258	529	32	retroactive	retroactive	ADJ
cblr-14258	529	33	application	application	NOUN
cblr-14258	529	34	would	would	AUX
cblr-14258	529	35	not	not	PART
cblr-14258	529	36	violate	violate	VERB
cblr-14258	529	37	the	the	DET
cblr-14258	529	38	contracts	contract	NOUN
cblr-14258	529	39	clause.142	clause.142	ADJ
cblr-14258	529	40	even	even	ADV
cblr-14258	529	41	when	when	SCONJ
cblr-14258	529	42	there	there	PRON
cblr-14258	529	43	is	be	VERB
cblr-14258	529	44	an	an	DET
cblr-14258	529	45	impairment	impairment	NOUN
cblr-14258	529	46	of	of	ADP
cblr-14258	529	47	express	express	ADJ
cblr-14258	529	48	contract	contract	NOUN
cblr-14258	529	49	terms	term	NOUN
cblr-14258	529	50	,	,	PUNCT
cblr-14258	529	51	retroactive	retroactive	ADJ
cblr-14258	529	52	application	application	NOUN
cblr-14258	529	53	may	may	AUX
cblr-14258	529	54	still	still	ADV
cblr-14258	529	55	be	be	AUX
cblr-14258	529	56	constitutional	constitutional	ADJ
cblr-14258	529	57	if	if	SCONJ
cblr-14258	529	58	a	a	DET
cblr-14258	529	59	state	state	NOUN
cblr-14258	529	60	law	law	NOUN
cblr-14258	529	61	is	be	AUX
cblr-14258	529	62	drawn	draw	VERB
cblr-14258	529	63	in	in	ADP
cblr-14258	529	64	an	an	DET
cblr-14258	529	65	“	"	PUNCT
cblr-14258	529	66	appropriate	appropriate	ADJ
cblr-14258	529	67	”	"	PUNCT
cblr-14258	529	68	and	and	CCONJ
cblr-14258	529	69	“	"	PUNCT
cblr-14258	529	70	reasonable	reasonable	ADJ
cblr-14258	529	71	”	"	PUNCT
cblr-14258	529	72	way	way	NOUN
cblr-14258	529	73	to	to	PART
cblr-14258	529	74	advance	advance	VERB
cblr-14258	529	75	“	"	PUNCT
cblr-14258	529	76	a	a	DET
cblr-14258	529	77	significant	significant	ADJ
cblr-14258	529	78	and	and	CCONJ
cblr-14258	529	79	legitimate	legitimate	ADJ
cblr-14258	529	80	public	public	ADJ
cblr-14258	529	81	purpose	purpose	NOUN
cblr-14258	529	82	.	.	PUNCT
cblr-14258	529	83	”143	”143	NOUN
cblr-14258	529	84	to	to	PART
cblr-14258	529	85	determine	determine	VERB
cblr-14258	529	86	whether	whether	SCONJ
cblr-14258	529	87	there	there	PRON
cblr-14258	529	88	is	be	VERB
cblr-14258	529	89	such	such	DET
cblr-14258	529	90	a	a	DET
cblr-14258	529	91	rational	rational	ADJ
cblr-14258	529	92	compromise	compromise	NOUN
cblr-14258	529	93	between	between	ADP
cblr-14258	529	94	impairment	impairment	NOUN
cblr-14258	529	95	of	of	ADP
cblr-14258	529	96	individual	individual	ADJ
cblr-14258	529	97	rights	right	NOUN
cblr-14258	529	98	and	and	CCONJ
cblr-14258	529	99	advancing	advance	VERB
cblr-14258	529	100	public	public	ADJ
cblr-14258	529	101	welfare	welfare	NOUN
cblr-14258	529	102	,	,	PUNCT
cblr-14258	529	103	the	the	DET
cblr-14258	529	104	second	second	ADJ
cblr-14258	529	105	circuit	circuit	NOUN
cblr-14258	529	106	summarized	summarize	VERB
cblr-14258	529	107	,	,	PUNCT
cblr-14258	529	108	in	in	ADP
cblr-14258	529	109	melendez	melendez	PROPN
cblr-14258	529	110	v.	v.	ADP
cblr-14258	529	111	city	city	PROPN
cblr-14258	529	112	of	of	ADP
cblr-14258	529	113	new	new	PROPN
cblr-14258	529	114	york	york	PROPN
cblr-14258	529	115	,	,	PUNCT
cblr-14258	529	116	five	five	NUM
cblr-14258	529	117	relevant	relevant	ADJ
cblr-14258	529	118	factors	factor	NOUN
cblr-14258	529	119	:	:	PUNCT
cblr-14258	529	120	first	first	X
cblr-14258	529	121	,	,	PUNCT
cblr-14258	529	122	the	the	DET
cblr-14258	529	123	state	state	NOUN
cblr-14258	529	124	’s	’s	PART
cblr-14258	529	125	police	police	NOUN
cblr-14258	529	126	power	power	NOUN
cblr-14258	529	127	to	to	PART
cblr-14258	529	128	protect	protect	VERB
cblr-14258	529	129	the	the	DET
cblr-14258	529	130	vital	vital	ADJ
cblr-14258	529	131	interests	interest	NOUN
cblr-14258	529	132	of	of	ADP
cblr-14258	529	133	the	the	DET
cblr-14258	529	134	community	community	NOUN
cblr-14258	529	135	is	be	AUX
cblr-14258	529	136	properly	properly	ADV
cblr-14258	529	137	invoked	invoke	VERB
cblr-14258	529	138	;	;	PUNCT
cblr-14258	529	139	second	second	X
cblr-14258	529	140	,	,	PUNCT
cblr-14258	529	141	the	the	DET
cblr-14258	529	142	challenged	challenge	VERB
cblr-14258	529	143	legislation	legislation	NOUN
cblr-14258	529	144	protected	protect	VERB
cblr-14258	529	145	“	"	PUNCT
cblr-14258	529	146	a	a	DET
cblr-14258	529	147	basic	basic	ADJ
cblr-14258	529	148	interest	interest	NOUN
cblr-14258	529	149	of	of	ADP
cblr-14258	529	150	society	society	NOUN
cblr-14258	529	151	”	"	PUNCT
cblr-14258	529	152	and	and	CCONJ
cblr-14258	529	153	“	"	PUNCT
cblr-14258	529	154	was	be	AUX
cblr-14258	529	155	not	not	PART
cblr-14258	529	156	for	for	ADP
cblr-14258	529	157	the	the	DET
cblr-14258	529	158	mere	mere	ADJ
cblr-14258	529	159	advantage	advantage	NOUN
cblr-14258	529	160	of	of	ADP
cblr-14258	529	161	particular	particular	ADJ
cblr-14258	529	162	individuals	individual	NOUN
cblr-14258	529	163	;	;	PUNCT
cblr-14258	529	164	”	"	PUNCT
cblr-14258	529	165	third	third	NOUN
cblr-14258	529	166	,	,	PUNCT
cblr-14258	529	167	the	the	DET
cblr-14258	529	168	relief	relief	NOUN
cblr-14258	529	169	afforded	afford	VERB
cblr-14258	529	170	was	be	AUX
cblr-14258	529	171	“	"	PUNCT
cblr-14258	529	172	appropriate	appropriate	ADJ
cblr-14258	529	173	”	"	PUNCT
cblr-14258	529	174	to	to	ADP
cblr-14258	529	175	the	the	DET
cblr-14258	529	176	emergency	emergency	NOUN
cblr-14258	529	177	;	;	PUNCT
cblr-14258	529	178	fourth	fourth	X
cblr-14258	529	179	,	,	PUNCT
cblr-14258	529	180	the	the	DET
cblr-14258	529	181	relief	relief	NOUN
cblr-14258	529	182	was	be	AUX
cblr-14258	529	183	granted	grant	VERB
cblr-14258	529	184	“	"	PUNCT
cblr-14258	529	185	upon	upon	SCONJ
cblr-14258	529	186	reasonable	reasonable	ADJ
cblr-14258	529	187	conditions	condition	NOUN
cblr-14258	529	188	;	;	PUNCT
cblr-14258	529	189	”	"	PUNCT
cblr-14258	529	190	and	and	CCONJ
cblr-14258	529	191	fifth	fifth	ADJ
cblr-14258	529	192	,	,	PUNCT
cblr-14258	529	193	the	the	DET
cblr-14258	529	194	law	law	NOUN
cblr-14258	529	195	was	be	AUX
cblr-14258	529	196	“	"	PUNCT
cblr-14258	529	197	temporary	temporary	ADJ
cblr-14258	529	198	in	in	ADP
cblr-14258	529	199	operation	operation	NOUN
cblr-14258	529	200	.	.	PUNCT
cblr-14258	529	201	”144	”144	PUNCT
cblr-14258	530	1	fapa	fapa	PROPN
cblr-14258	530	2	’s	’s	PART
cblr-14258	530	3	retroactive	retroactive	ADJ
cblr-14258	530	4	application	application	NOUN
cblr-14258	530	5	,	,	PUNCT
cblr-14258	530	6	however	however	ADV
cblr-14258	530	7	,	,	PUNCT
cblr-14258	530	8	fails	fail	VERB
cblr-14258	530	9	this	this	DET
cblr-14258	530	10	test	test	NOUN
cblr-14258	530	11	.	.	PUNCT
cblr-14258	531	1	secondary	secondary	ADJ
cblr-14258	531	2	sources	source	NOUN
cblr-14258	531	3	have	have	AUX
cblr-14258	531	4	argued	argue	VERB
cblr-14258	531	5	that	that	SCONJ
cblr-14258	531	6	fapa	fapa	NOUN
cblr-14258	531	7	fails	fail	VERB
cblr-14258	531	8	the	the	DET
cblr-14258	531	9	first	first	ADJ
cblr-14258	531	10	and	and	CCONJ
cblr-14258	531	11	second	second	ADJ
cblr-14258	531	12	factor	factor	NOUN
cblr-14258	531	13	,	,	PUNCT
cblr-14258	531	14	that	that	SCONJ
cblr-14258	531	15	fapa	fapa	NOUN
cblr-14258	531	16	“	"	PUNCT
cblr-14258	531	17	was	be	AUX
cblr-14258	531	18	not	not	PART
cblr-14258	531	19	passed	pass	VERB
cblr-14258	531	20	to	to	PART
cblr-14258	531	21	address	address	VERB
cblr-14258	531	22	a	a	DET
cblr-14258	531	23	broad	broad	ADJ
cblr-14258	531	24	,	,	PUNCT
cblr-14258	531	25	generalized	generalized	ADJ
cblr-14258	531	26	economic	economic	ADJ
cblr-14258	531	27	or	or	CCONJ
cblr-14258	531	28	social	social	ADJ
cblr-14258	531	29	problem	problem	NOUN
cblr-14258	531	30	,	,	PUNCT
cblr-14258	531	31	”	"	PUNCT
cblr-14258	531	32	but	but	CCONJ
cblr-14258	531	33	rather	rather	ADV
cblr-14258	531	34	“	"	PUNCT
cblr-14258	531	35	passed	pass	VERB
cblr-14258	531	36	in	in	ADP
cblr-14258	531	37	direct	direct	ADJ
cblr-14258	531	38	response	response	NOUN
cblr-14258	531	39	to	to	PART
cblr-14258	531	40	overrule	overrule	VERB
cblr-14258	531	41	a	a	DET
cblr-14258	531	42	decision	decision	NOUN
cblr-14258	531	43	by	by	ADP
cblr-14258	531	44	a	a	DET
cblr-14258	531	45	separate	separate	ADJ
cblr-14258	531	46	branch	branch	NOUN
cblr-14258	531	47	of	of	ADP
cblr-14258	531	48	government	government	NOUN
cblr-14258	531	49	;	;	PUNCT
cblr-14258	531	50	”	"	PUNCT
cblr-14258	531	51	it	it	PRON
cblr-14258	531	52	does	do	AUX
cblr-14258	531	53	not	not	PART
cblr-14258	531	54	protect	protect	VERB
cblr-14258	531	55	a	a	DET
cblr-14258	531	56	basic	basic	ADJ
cblr-14258	531	57	societal	societal	ADJ
cblr-14258	531	58	interest	interest	NOUN
cblr-14258	531	59	and	and	CCONJ
cblr-14258	531	60	benefits	benefit	NOUN
cblr-14258	531	61	only	only	ADV
cblr-14258	531	62	a	a	DET
cblr-14258	531	63	“	"	PUNCT
cblr-14258	531	64	favored	favored	ADJ
cblr-14258	531	65	group	group	NOUN
cblr-14258	531	66	—	—	PUNCT
cblr-14258	531	67	seriously	seriously	ADV
cblr-14258	531	68	delinquent	delinquent	ADJ
cblr-14258	531	69	borrowers	borrower	NOUN
cblr-14258	531	70	.	.	PUNCT
cblr-14258	531	71	.	.	PUNCT
cblr-14258	531	72	.	.	PUNCT
cblr-14258	532	1	—	—	PUNCT
cblr-14258	532	2	to	to	ADP
cblr-14258	532	3	the	the	DET
cblr-14258	532	4	detriment	detriment	NOUN
cblr-14258	532	5	of	of	ADP
cblr-14258	532	6	lenders	lender	NOUN
cblr-14258	532	7	,	,	PUNCT
cblr-14258	532	8	who	who	PRON
cblr-14258	532	9	have	have	AUX
cblr-14258	532	10	advanced	advance	VERB
cblr-14258	532	11	substantial	substantial	ADJ
cblr-14258	532	12	sums	sum	NOUN
cblr-14258	532	13	of	of	ADP
cblr-14258	532	14	money	money	NOUN
cblr-14258	532	15	,	,	PUNCT
cblr-14258	532	16	not	not	PART
cblr-14258	532	17	just	just	ADV
cblr-14258	532	18	the	the	DET
cblr-14258	532	19	loan	loan	NOUN
cblr-14258	532	20	,	,	PUNCT
cblr-14258	532	21	141	141	NUM
cblr-14258	532	22	see	see	VERB
cblr-14258	532	23	consumers	consumer	NOUN
cblr-14258	532	24	union	union	PROPN
cblr-14258	532	25	of	of	ADP
cblr-14258	532	26	u.s	u.s	PROPN
cblr-14258	532	27	.	.	PROPN
cblr-14258	532	28	,	,	PUNCT
cblr-14258	532	29	inc	inc	PROPN
cblr-14258	532	30	.	.	PROPN
cblr-14258	533	1	v.	v.	ADP
cblr-14258	533	2	state	state	PROPN
cblr-14258	533	3	,	,	PUNCT
cblr-14258	533	4	840	840	NUM
cblr-14258	533	5	n.e.2d	n.e.2d	NOUN
cblr-14258	533	6	68	68	NUM
cblr-14258	533	7	,	,	PUNCT
cblr-14258	533	8	86	86	NUM
cblr-14258	533	9	(	(	PUNCT
cblr-14258	533	10	n.y	n.y	PROPN
cblr-14258	533	11	.	.	PROPN
cblr-14258	533	12	2005	2005	NUM
cblr-14258	533	13	)	)	PUNCT
cblr-14258	533	14	.	.	PUNCT
cblr-14258	534	1	142	142	NUM
cblr-14258	534	2	see	see	VERB
cblr-14258	534	3	,	,	PUNCT
cblr-14258	534	4	e.g.	e.g.	ADV
cblr-14258	534	5	,	,	PUNCT
cblr-14258	534	6	ditech	ditech	VERB
cblr-14258	534	7	fin	fin	NOUN
cblr-14258	534	8	.	.	PUNCT
cblr-14258	535	1	llc	llc	PROPN
cblr-14258	535	2	v.	v.	PROPN
cblr-14258	535	3	naidu	naidu	PROPN
cblr-14258	535	4	,	,	PUNCT
cblr-14258	535	5	206	206	NUM
cblr-14258	535	6	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	535	7	441	441	NUM
cblr-14258	535	8	,	,	PUNCT
cblr-14258	535	9	451	451	NUM
cblr-14258	535	10	(	(	PUNCT
cblr-14258	535	11	n.y	n.y	PROPN
cblr-14258	535	12	.	.	PROPN
cblr-14258	535	13	sup	sup	PROPN
cblr-14258	535	14	.	.	PUNCT
cblr-14258	536	1	ct	ct	NUM
cblr-14258	536	2	.	.	PROPN
cblr-14258	536	3	2023	2023	NUM
cblr-14258	536	4	)	)	PUNCT
cblr-14258	536	5	.	.	PUNCT
cblr-14258	537	1	143	143	NUM
cblr-14258	537	2	sveen	sveen	PROPN
cblr-14258	537	3	v.	v.	ADP
cblr-14258	537	4	melin	melin	PROPN
cblr-14258	537	5	,	,	PUNCT
cblr-14258	537	6	584	584	NUM
cblr-14258	537	7	u.s	u.s	PROPN
cblr-14258	537	8	.	.	PROPN
cblr-14258	537	9	811	811	NUM
cblr-14258	537	10	,	,	PUNCT
cblr-14258	537	11	819	819	NUM
cblr-14258	537	12	(	(	PUNCT
cblr-14258	537	13	2018	2018	NUM
cblr-14258	537	14	)	)	PUNCT
cblr-14258	537	15	.	.	PUNCT
cblr-14258	538	1	144	144	NUM
cblr-14258	538	2	melendez	melendez	PROPN
cblr-14258	538	3	v.	v.	ADP
cblr-14258	538	4	city	city	PROPN
cblr-14258	538	5	of	of	ADP
cblr-14258	538	6	new	new	PROPN
cblr-14258	538	7	york	york	PROPN
cblr-14258	538	8	,	,	PUNCT
cblr-14258	538	9	16	16	NUM
cblr-14258	538	10	f.4th	f.4th	PROPN
cblr-14258	538	11	992	992	NUM
cblr-14258	538	12	,	,	PUNCT
cblr-14258	538	13	1023	1023	NUM
cblr-14258	538	14	(	(	PUNCT
cblr-14258	538	15	2d	2d	NUM
cblr-14258	538	16	cir	cir	NOUN
cblr-14258	538	17	.	.	PROPN
cblr-14258	538	18	2021	2021	NUM
cblr-14258	538	19	)	)	PUNCT
cblr-14258	538	20	.	.	PUNCT
cblr-14258	539	1	no	no	INTJ
cblr-14258	539	2	.	.	NOUN
cblr-14258	539	3	1	1	NUM
cblr-14258	539	4	]	]	PUNCT
cblr-14258	539	5	retroactive	retroactive	ADJ
cblr-14258	539	6	application	application	NOUN
cblr-14258	539	7	of	of	ADP
cblr-14258	539	8	the	the	DET
cblr-14258	539	9	ny	ny	PROPN
cblr-14258	539	10	fapa	fapa	PROPN
cblr-14258	539	11	651	651	NUM
cblr-14258	539	12	but	but	CCONJ
cblr-14258	539	13	taxes	taxis	NOUN
cblr-14258	539	14	,	,	PUNCT
cblr-14258	539	15	insurance	insurance	NOUN
cblr-14258	539	16	and	and	CCONJ
cblr-14258	539	17	other	other	ADJ
cblr-14258	539	18	costs	cost	NOUN
cblr-14258	539	19	to	to	PART
cblr-14258	539	20	maintain	maintain	VERB
cblr-14258	539	21	the	the	DET
cblr-14258	539	22	property	property	NOUN
cblr-14258	539	23	,	,	PUNCT
cblr-14258	539	24	which	which	PRON
cblr-14258	539	25	benefit	benefit	VERB
cblr-14258	539	26	borrowers	borrower	NOUN
cblr-14258	539	27	.	.	PUNCT
cblr-14258	540	1	”145	”145	PUNCT
cblr-14258	540	2	these	these	DET
cblr-14258	540	3	arguments	argument	NOUN
cblr-14258	540	4	appear	appear	VERB
cblr-14258	540	5	weak	weak	ADJ
cblr-14258	540	6	in	in	ADP
cblr-14258	540	7	light	light	NOUN
cblr-14258	540	8	of	of	ADP
cblr-14258	540	9	the	the	DET
cblr-14258	540	10	sponsor	sponsor	NOUN
cblr-14258	540	11	memo	memo	NOUN
cblr-14258	540	12	.	.	PUNCT
cblr-14258	541	1	first	first	ADV
cblr-14258	541	2	of	of	ADP
cblr-14258	541	3	all	all	PRON
cblr-14258	541	4	,	,	PUNCT
cblr-14258	541	5	addressing	address	VERB
cblr-14258	541	6	a	a	DET
cblr-14258	541	7	broad	broad	ADJ
cblr-14258	541	8	economic	economic	ADJ
cblr-14258	541	9	or	or	CCONJ
cblr-14258	541	10	social	social	ADJ
cblr-14258	541	11	problem	problem	NOUN
cblr-14258	541	12	is	be	AUX
cblr-14258	541	13	not	not	PART
cblr-14258	541	14	mutually	mutually	ADV
cblr-14258	541	15	exclusive	exclusive	ADJ
cblr-14258	541	16	with	with	ADP
cblr-14258	541	17	overriding	override	VERB
cblr-14258	541	18	a	a	DET
cblr-14258	541	19	court	court	NOUN
cblr-14258	541	20	decision	decision	NOUN
cblr-14258	541	21	;	;	PUNCT
cblr-14258	541	22	although	although	SCONJ
cblr-14258	541	23	fapa	fapa	NOUN
cblr-14258	541	24	aimed	aim	VERB
cblr-14258	541	25	to	to	PART
cblr-14258	541	26	“	"	PUNCT
cblr-14258	541	27	rectify	rectify	VERB
cblr-14258	541	28	erroneous	erroneous	ADJ
cblr-14258	541	29	judicial	judicial	ADJ
cblr-14258	541	30	interpretations	interpretation	NOUN
cblr-14258	541	31	thereof	thereof	ADV
cblr-14258	541	32	,	,	PUNCT
cblr-14258	541	33	”	"	PUNCT
cblr-14258	541	34	doing	do	VERB
cblr-14258	541	35	so	so	ADV
cblr-14258	541	36	was	be	AUX
cblr-14258	541	37	an	an	DET
cblr-14258	541	38	effective	effective	ADJ
cblr-14258	541	39	way	way	NOUN
cblr-14258	541	40	for	for	SCONJ
cblr-14258	541	41	the	the	DET
cblr-14258	541	42	legislature	legislature	NOUN
cblr-14258	541	43	to	to	PART
cblr-14258	541	44	achieve	achieve	VERB
cblr-14258	541	45	the	the	DET
cblr-14258	541	46	overarching	overarching	ADJ
cblr-14258	541	47	goal	goal	NOUN
cblr-14258	541	48	of	of	ADP
cblr-14258	541	49	the	the	DET
cblr-14258	541	50	statute	statute	NOUN
cblr-14258	541	51	:	:	PUNCT
cblr-14258	541	52	to	to	PART
cblr-14258	541	53	resolve	resolve	VERB
cblr-14258	541	54	the	the	DET
cblr-14258	541	55	“	"	PUNCT
cblr-14258	541	56	ongoing	ongoing	ADJ
cblr-14258	541	57	problem	problem	NOUN
cblr-14258	541	58	with	with	ADP
cblr-14258	541	59	abuses	abuse	NOUN
cblr-14258	541	60	of	of	ADP
cblr-14258	541	61	the	the	DET
cblr-14258	541	62	judicial	judicial	ADJ
cblr-14258	541	63	foreclosure	foreclosure	NOUN
cblr-14258	541	64	process	process	NOUN
cblr-14258	541	65	”	"	PUNCT
cblr-14258	541	66	and	and	CCONJ
cblr-14258	541	67	eliminate	eliminate	VERB
cblr-14258	541	68	the	the	DET
cblr-14258	541	69	“	"	PUNCT
cblr-14258	541	70	unfair	unfair	ADJ
cblr-14258	541	71	playing	playing	NOUN
cblr-14258	541	72	field	field	NOUN
cblr-14258	541	73	that	that	PRON
cblr-14258	541	74	favors	favor	VERB
cblr-14258	541	75	the	the	DET
cblr-14258	541	76	mortgage	mortgage	NOUN
cblr-14258	541	77	banking	banking	NOUN
cblr-14258	541	78	and	and	CCONJ
cblr-14258	541	79	servicing	servicing	NOUN
cblr-14258	541	80	industry	industry	NOUN
cblr-14258	541	81	at	at	ADP
cblr-14258	541	82	the	the	DET
cblr-14258	541	83	expense	expense	NOUN
cblr-14258	541	84	of	of	ADP
cblr-14258	541	85	everyday	everyday	ADJ
cblr-14258	541	86	new	new	ADJ
cblr-14258	541	87	yorkers	yorkers	PROPN
cblr-14258	541	88	,	,	PUNCT
cblr-14258	541	89	”	"	PUNCT
cblr-14258	541	90	a	a	DET
cblr-14258	541	91	broad	broad	ADJ
cblr-14258	541	92	economic	economic	ADJ
cblr-14258	541	93	and	and	CCONJ
cblr-14258	541	94	social	social	ADJ
cblr-14258	541	95	problem	problem	NOUN
cblr-14258	541	96	caused	cause	VERB
cblr-14258	541	97	by	by	ADP
cblr-14258	541	98	“	"	PUNCT
cblr-14258	541	99	abusive	abusive	ADJ
cblr-14258	541	100	and	and	CCONJ
cblr-14258	541	101	unlawful	unlawful	ADJ
cblr-14258	541	102	litigation	litigation	NOUN
cblr-14258	541	103	tactics	tactic	NOUN
cblr-14258	541	104	that	that	PRON
cblr-14258	541	105	have	have	AUX
cblr-14258	541	106	been	be	AUX
cblr-14258	541	107	employed	employ	VERB
cblr-14258	541	108	by	by	ADP
cblr-14258	541	109	foreclosure	foreclosure	NOUN
cblr-14258	541	110	plaintiffs	plaintiff	NOUN
cblr-14258	541	111	.	.	PUNCT
cblr-14258	541	112	”146	”146	PUNCT
cblr-14258	542	1	in	in	ADP
cblr-14258	542	2	addition	addition	NOUN
cblr-14258	542	3	,	,	PUNCT
cblr-14258	542	4	the	the	DET
cblr-14258	542	5	“	"	PUNCT
cblr-14258	542	6	everyday	everyday	ADJ
cblr-14258	542	7	new	new	ADJ
cblr-14258	542	8	yorkers	yorkers	PROPN
cblr-14258	542	9	,	,	PUNCT
cblr-14258	542	10	”	"	PUNCT
cblr-14258	542	11	which	which	PRON
cblr-14258	542	12	may	may	AUX
cblr-14258	542	13	refer	refer	VERB
cblr-14258	542	14	to	to	ADP
cblr-14258	542	15	the	the	DET
cblr-14258	542	16	vast	vast	ADJ
cblr-14258	542	17	number	number	NOUN
cblr-14258	542	18	of	of	ADP
cblr-14258	542	19	citizens	citizen	NOUN
cblr-14258	542	20	who	who	PRON
cblr-14258	542	21	obtained	obtain	VERB
cblr-14258	542	22	mortgage	mortgage	NOUN
cblr-14258	542	23	loans	loan	NOUN
cblr-14258	542	24	,	,	PUNCT
cblr-14258	542	25	can	can	AUX
cblr-14258	542	26	hardly	hardly	ADV
cblr-14258	542	27	qualify	qualify	VERB
cblr-14258	542	28	as	as	ADP
cblr-14258	542	29	“	"	PUNCT
cblr-14258	542	30	particular	particular	ADJ
cblr-14258	542	31	individuals	individual	NOUN
cblr-14258	542	32	”	"	PUNCT
cblr-14258	542	33	in	in	ADP
cblr-14258	542	34	the	the	DET
cblr-14258	542	35	second	second	ADJ
cblr-14258	542	36	factor	factor	NOUN
cblr-14258	542	37	;	;	PUNCT
cblr-14258	542	38	in	in	ADP
cblr-14258	542	39	2021	2021	NUM
cblr-14258	542	40	alone	alone	ADV
cblr-14258	542	41	,	,	PUNCT
cblr-14258	542	42	the	the	DET
cblr-14258	542	43	total	total	ADJ
cblr-14258	542	44	number	number	NOUN
cblr-14258	542	45	of	of	ADP
cblr-14258	542	46	residential	residential	ADJ
cblr-14258	542	47	real	real	ADJ
cblr-14258	542	48	property	property	NOUN
cblr-14258	542	49	mortgages	mortgage	NOUN
cblr-14258	542	50	originated	originate	VERB
cblr-14258	542	51	in	in	ADP
cblr-14258	542	52	new	new	PROPN
cblr-14258	542	53	york	york	PROPN
cblr-14258	542	54	was	be	AUX
cblr-14258	542	55	448,702.147	448,702.147	NUM
cblr-14258	542	56	it	it	PRON
cblr-14258	542	57	can	can	AUX
cblr-14258	542	58	not	not	PART
cblr-14258	542	59	thus	thus	ADV
cblr-14258	542	60	be	be	AUX
cblr-14258	542	61	said	say	VERB
cblr-14258	542	62	that	that	SCONJ
cblr-14258	542	63	the	the	DET
cblr-14258	542	64	enactment	enactment	NOUN
cblr-14258	542	65	of	of	ADP
cblr-14258	542	66	fapa	fapa	NOUN
cblr-14258	542	67	was	be	AUX
cblr-14258	542	68	for	for	ADP
cblr-14258	542	69	the	the	DET
cblr-14258	542	70	mere	mere	ADJ
cblr-14258	542	71	advantage	advantage	NOUN
cblr-14258	542	72	of	of	ADP
cblr-14258	542	73	“	"	PUNCT
cblr-14258	542	74	particular	particular	ADJ
cblr-14258	542	75	”	"	PUNCT
cblr-14258	542	76	individuals	individual	NOUN
cblr-14258	542	77	.	.	PUNCT
cblr-14258	543	1	nonetheless	nonetheless	ADV
cblr-14258	543	2	,	,	PUNCT
cblr-14258	543	3	even	even	ADV
cblr-14258	543	4	though	though	SCONJ
cblr-14258	543	5	the	the	DET
cblr-14258	543	6	first	first	ADJ
cblr-14258	543	7	two	two	NUM
cblr-14258	543	8	factors	factor	NOUN
cblr-14258	543	9	may	may	AUX
cblr-14258	543	10	be	be	AUX
cblr-14258	543	11	satisfied	satisfied	ADJ
cblr-14258	543	12	,	,	PUNCT
cblr-14258	543	13	the	the	DET
cblr-14258	543	14	other	other	ADJ
cblr-14258	543	15	three	three	NUM
cblr-14258	543	16	are	be	AUX
cblr-14258	543	17	clearly	clearly	ADV
cblr-14258	543	18	not	not	PART
cblr-14258	543	19	.	.	PUNCT
cblr-14258	544	1	as	as	SCONJ
cblr-14258	544	2	noted	note	VERB
cblr-14258	544	3	in	in	ADP
cblr-14258	544	4	speller	speller	NOUN
cblr-14258	544	5	,	,	PUNCT
cblr-14258	544	6	when	when	SCONJ
cblr-14258	544	7	there	there	PRON
cblr-14258	544	8	are	be	VERB
cblr-14258	544	9	express	express	ADJ
cblr-14258	544	10	terms	term	NOUN
cblr-14258	544	11	on	on	ADP
cblr-14258	544	12	lender	lender	NOUN
cblr-14258	544	13	’s	’s	PART
cblr-14258	544	14	right	right	NOUN
cblr-14258	544	15	of	of	ADP
cblr-14258	544	16	revocation	revocation	NOUN
cblr-14258	544	17	in	in	ADP
cblr-14258	544	18	the	the	DET
cblr-14258	544	19	mortgage	mortgage	NOUN
cblr-14258	544	20	agreement	agreement	NOUN
cblr-14258	544	21	,	,	PUNCT
cblr-14258	544	22	“	"	PUNCT
cblr-14258	544	23	fapa	fapa	NOUN
cblr-14258	544	24	would	would	AUX
cblr-14258	544	25	erect	erect	VERB
cblr-14258	544	26	a	a	DET
cblr-14258	544	27	limitations	limitation	NOUN
cblr-14258	544	28	barrier	barrier	NOUN
cblr-14258	544	29	depriving	deprive	VERB
cblr-14258	544	30	lenders	lender	NOUN
cblr-14258	544	31	of	of	ADP
cblr-14258	544	32	a	a	DET
cblr-14258	544	33	means	means	NOUN
cblr-14258	544	34	to	to	PART
cblr-14258	544	35	enforce	enforce	VERB
cblr-14258	544	36	contractual	contractual	ADJ
cblr-14258	544	37	claims	claim	NOUN
cblr-14258	544	38	that	that	PRON
cblr-14258	544	39	were	be	AUX
cblr-14258	544	40	valid	valid	ADJ
cblr-14258	544	41	and	and	CCONJ
cblr-14258	544	42	timely	timely	ADV
cblr-14258	544	43	under	under	ADP
cblr-14258	544	44	the	the	DET
cblr-14258	544	45	law	law	NOUN
cblr-14258	544	46	in	in	ADP
cblr-14258	544	47	force	force	NOUN
cblr-14258	544	48	when	when	SCONJ
cblr-14258	544	49	they	they	PRON
cblr-14258	544	50	were	be	AUX
cblr-14258	544	51	interposed	interpose	VERB
cblr-14258	544	52	,	,	PUNCT
cblr-14258	544	53	thereby	thereby	ADV
cblr-14258	544	54	working	work	VERB
cblr-14258	544	55	a	a	DET
cblr-14258	544	56	severe	severe	ADJ
cblr-14258	544	57	,	,	PUNCT
cblr-14258	544	58	permanent	permanent	ADJ
cblr-14258	544	59	145	145	NUM
cblr-14258	544	60	diana	diana	PROPN
cblr-14258	544	61	m.	m.	PROPN
cblr-14258	544	62	eng	eng	PROPN
cblr-14258	544	63	&	&	CCONJ
cblr-14258	544	64	andrea	andrea	PROPN
cblr-14258	544	65	m.	m.	PROPN
cblr-14258	544	66	roberts	roberts	PROPN
cblr-14258	544	67	,	,	PUNCT
cblr-14258	544	68	can	can	AUX
cblr-14258	544	69	the	the	DET
cblr-14258	544	70	foreclosure	foreclosure	NOUN
cblr-14258	544	71	abuse	abuse	NOUN
cblr-14258	544	72	prevention	prevention	NOUN
cblr-14258	544	73	act	act	NOUN
cblr-14258	544	74	survive	survive	VERB
cblr-14258	544	75	a	a	DET
cblr-14258	544	76	constitutional	constitutional	ADJ
cblr-14258	544	77	challenge	challenge	NOUN
cblr-14258	544	78	?	?	PUNCT
cblr-14258	545	1	n.y.l.j	n.y.l.j	INTJ
cblr-14258	545	2	.	.	PUNCT
cblr-14258	546	1	(	(	PUNCT
cblr-14258	546	2	jan	jan	PROPN
cblr-14258	546	3	.	.	PROPN
cblr-14258	546	4	6	6	NUM
cblr-14258	546	5	,	,	PUNCT
cblr-14258	546	6	2023	2023	NUM
cblr-14258	546	7	)	)	PUNCT
cblr-14258	546	8	,	,	PUNCT
cblr-14258	546	9	https://www.blankrome.com/publications/can-foreclosure-abuse-prevention-actsurvive-constitutional-challenge	https://www.blankrome.com/publications/can-foreclosure-abuse-prevention-actsurvive-constitutional-challenge	NOUN
cblr-14258	547	1	[	[	X
cblr-14258	547	2	https://perma.cc/uas9-7jdg	https://perma.cc/uas9-7jdg	X
cblr-14258	547	3	]	]	X
cblr-14258	547	4	.	.	PUNCT
cblr-14258	548	1	146	146	NUM
cblr-14258	548	2	s.b	s.b	PROPN
cblr-14258	548	3	.	.	PUNCT
cblr-14258	549	1	s4573d	s4573d	ADP
cblr-14258	549	2	,	,	PUNCT
cblr-14258	549	3	sponsor	sponsor	NOUN
cblr-14258	549	4	memo	memo	NOUN
cblr-14258	549	5	(	(	PUNCT
cblr-14258	549	6	2022	2022	NUM
cblr-14258	549	7	)	)	PUNCT
cblr-14258	549	8	.	.	PUNCT
cblr-14258	550	1	147	147	NUM
cblr-14258	550	2	total	total	ADJ
cblr-14258	550	3	number	number	NOUN
cblr-14258	550	4	of	of	ADP
cblr-14258	550	5	residential	residential	ADJ
cblr-14258	550	6	real	real	ADJ
cblr-14258	550	7	property	property	NOUN
cblr-14258	550	8	mortgages	mortgage	NOUN
cblr-14258	550	9	originated	originate	VERB
cblr-14258	550	10	in	in	ADP
cblr-14258	550	11	new	new	PROPN
cblr-14258	550	12	york	york	PROPN
cblr-14258	550	13	state	state	NOUN
cblr-14258	550	14	in	in	ADP
cblr-14258	550	15	2022	2022	NUM
cblr-14258	550	16	,	,	PUNCT
cblr-14258	550	17	n.y	n.y	PROPN
cblr-14258	550	18	.	.	PROPN
cblr-14258	550	19	dep’t	dep’t	PROPN
cblr-14258	550	20	of	of	ADP
cblr-14258	550	21	fin	fin	NOUN
cblr-14258	550	22	.	.	PUNCT
cblr-14258	551	1	servs	servs	PROPN
cblr-14258	551	2	.	.	PUNCT
cblr-14258	551	3	,	,	PUNCT
cblr-14258	551	4	https://www.dfs.ny.gov/apps_and_licensing/mortgage_companies/rrpm_originated_n	https://www.dfs.ny.gov/apps_and_licensing/mortgage_companies/rrpm_originated_n	PROPN
cblr-14258	551	5	ys	ys	PROPN
cblr-14258	552	1	[	[	X
cblr-14258	552	2	https://perma.cc/2tpl-dasr	https://perma.cc/2tpl-dasr	X
cblr-14258	552	3	]	]	X
cblr-14258	552	4	(	(	PUNCT
cblr-14258	552	5	last	last	ADV
cblr-14258	552	6	visited	visit	VERB
cblr-14258	552	7	mar	mar	PROPN
cblr-14258	552	8	.	.	PROPN
cblr-14258	552	9	4	4	NUM
cblr-14258	552	10	,	,	PUNCT
cblr-14258	552	11	2025	2025	NUM
cblr-14258	552	12	)	)	PUNCT
cblr-14258	552	13	.	.	PUNCT
cblr-14258	553	1	652	652	NUM
cblr-14258	553	2	columbia	columbia	PROPN
cblr-14258	553	3	business	business	NOUN
cblr-14258	553	4	law	law	PROPN
cblr-14258	553	5	review	review	NOUN
cblr-14258	553	6	[	[	X
cblr-14258	553	7	vol	vol	NOUN
cblr-14258	553	8	.	.	PUNCT
cblr-14258	553	9	2025	2025	NUM
cblr-14258	553	10	and	and	CCONJ
cblr-14258	553	11	irrevocable	irrevocable	ADJ
cblr-14258	553	12	destruction	destruction	NOUN
cblr-14258	553	13	of	of	ADP
cblr-14258	553	14	contractual	contractual	ADJ
cblr-14258	553	15	rights	right	NOUN
cblr-14258	553	16	.	.	PUNCT
cblr-14258	554	1	”148	”148	PUNCT
cblr-14258	555	1	“	"	PUNCT
cblr-14258	555	2	such	such	ADJ
cblr-14258	555	3	drastic	drastic	ADJ
cblr-14258	555	4	relief	relief	NOUN
cblr-14258	555	5	can	can	AUX
cblr-14258	555	6	not	not	PART
cblr-14258	555	7	be	be	AUX
cblr-14258	555	8	deemed	deem	VERB
cblr-14258	555	9	‘	'	PUNCT
cblr-14258	555	10	appropriate	appropriate	ADJ
cblr-14258	555	11	’	'	PUNCT
cblr-14258	555	12	to	to	ADP
cblr-14258	555	13	the	the	DET
cblr-14258	555	14	circumstances	circumstance	NOUN
cblr-14258	555	15	that	that	PRON
cblr-14258	555	16	occasioned	occasion	VERB
cblr-14258	555	17	fapa	fapa	PROPN
cblr-14258	555	18	’s	’s	PART
cblr-14258	555	19	enactment	enactment	NOUN
cblr-14258	555	20	(	(	PUNCT
cblr-14258	555	21	factor	factor	NOUN
cblr-14258	555	22	3	3	NUM
cblr-14258	555	23	)	)	PUNCT
cblr-14258	555	24	,	,	PUNCT
cblr-14258	555	25	it	it	PRON
cblr-14258	555	26	was	be	AUX
cblr-14258	555	27	certainly	certainly	ADV
cblr-14258	555	28	not	not	PART
cblr-14258	555	29	granted	grant	VERB
cblr-14258	555	30	‘	'	PUNCT
cblr-14258	555	31	upon	upon	SCONJ
cblr-14258	555	32	reasonable	reasonable	ADJ
cblr-14258	555	33	conditions	condition	NOUN
cblr-14258	555	34	’	'	PUNCT
cblr-14258	555	35	(	(	PUNCT
cblr-14258	555	36	factor	factor	NOUN
cblr-14258	555	37	4	4	NUM
cblr-14258	555	38	)	)	PUNCT
cblr-14258	555	39	,	,	PUNCT
cblr-14258	555	40	neither	neither	CCONJ
cblr-14258	555	41	is	be	AUX
cblr-14258	555	42	it	it	PRON
cblr-14258	555	43	‘	'	PUNCT
cblr-14258	555	44	temporary	temporary	ADJ
cblr-14258	555	45	in	in	ADP
cblr-14258	555	46	operation	operation	NOUN
cblr-14258	555	47	’	'	PUNCT
cblr-14258	555	48	(	(	PUNCT
cblr-14258	555	49	factor	factor	NOUN
cblr-14258	555	50	5).”149	5).”149	NUM
cblr-14258	555	51	fapa	fapa	NOUN
cblr-14258	555	52	’s	’s	PART
cblr-14258	555	53	retroactive	retroactive	ADJ
cblr-14258	555	54	application	application	NOUN
cblr-14258	555	55	would	would	AUX
cblr-14258	555	56	thus	thus	ADV
cblr-14258	555	57	fail	fail	VERB
cblr-14258	555	58	this	this	DET
cblr-14258	555	59	five	five	NUM
cblr-14258	555	60	-	-	PUNCT
cblr-14258	555	61	factor	factor	NOUN
cblr-14258	555	62	balancing	balancing	NOUN
cblr-14258	555	63	test	test	NOUN
cblr-14258	555	64	and	and	CCONJ
cblr-14258	555	65	should	should	AUX
cblr-14258	555	66	always	always	ADV
cblr-14258	555	67	be	be	AUX
cblr-14258	555	68	deemed	deem	VERB
cblr-14258	555	69	unconstitutional	unconstitutional	ADJ
cblr-14258	555	70	if	if	SCONJ
cblr-14258	555	71	it	it	PRON
cblr-14258	555	72	substantially	substantially	ADV
cblr-14258	555	73	impairs	impair	VERB
cblr-14258	555	74	express	express	ADJ
cblr-14258	555	75	contract	contract	NOUN
cblr-14258	555	76	terms	term	NOUN
cblr-14258	555	77	;	;	PUNCT
cblr-14258	555	78	the	the	DET
cblr-14258	555	79	melendez	melendez	PROPN
cblr-14258	555	80	exception	exception	NOUN
cblr-14258	555	81	should	should	AUX
cblr-14258	555	82	not	not	PART
cblr-14258	555	83	apply	apply	VERB
cblr-14258	555	84	to	to	ADP
cblr-14258	555	85	fapa	fapa	NOUN
cblr-14258	555	86	.	.	PUNCT
cblr-14258	556	1	iv	iv	X
cblr-14258	556	2	.	.	PUNCT
cblr-14258	556	3	conclusion	conclusion	NOUN
cblr-14258	556	4	in	in	ADP
cblr-14258	556	5	this	this	DET
cblr-14258	556	6	note	note	NOUN
cblr-14258	556	7	,	,	PUNCT
cblr-14258	556	8	i	i	PRON
cblr-14258	556	9	have	have	AUX
cblr-14258	556	10	summarized	summarize	VERB
cblr-14258	556	11	the	the	DET
cblr-14258	556	12	existing	exist	VERB
cblr-14258	556	13	case	case	NOUN
cblr-14258	556	14	law	law	NOUN
cblr-14258	556	15	on	on	ADP
cblr-14258	556	16	fapa	fapa	NOUN
cblr-14258	556	17	’s	’s	PART
cblr-14258	556	18	retroactive	retroactive	ADJ
cblr-14258	556	19	application	application	NOUN
cblr-14258	556	20	and	and	CCONJ
cblr-14258	556	21	identified	identify	VERB
cblr-14258	556	22	the	the	DET
cblr-14258	556	23	major	major	ADJ
cblr-14258	556	24	conflicts	conflict	NOUN
cblr-14258	556	25	and	and	CCONJ
cblr-14258	556	26	vagueness	vagueness	NOUN
cblr-14258	556	27	among	among	ADP
cblr-14258	556	28	the	the	DET
cblr-14258	556	29	state	state	NOUN
cblr-14258	556	30	lower	low	ADJ
cblr-14258	556	31	courts	court	NOUN
cblr-14258	556	32	’	'	PUNCT
cblr-14258	556	33	opinions	opinion	NOUN
cblr-14258	556	34	.	.	PUNCT
cblr-14258	557	1	i	i	PRON
cblr-14258	557	2	have	have	AUX
cblr-14258	557	3	resolved	resolve	VERB
cblr-14258	557	4	these	these	DET
cblr-14258	557	5	issues	issue	NOUN
cblr-14258	557	6	by	by	ADP
cblr-14258	557	7	pointing	point	VERB
cblr-14258	557	8	out	out	ADP
cblr-14258	557	9	flaws	flaw	NOUN
cblr-14258	557	10	in	in	ADP
cblr-14258	557	11	a	a	DET
cblr-14258	557	12	few	few	ADJ
cblr-14258	557	13	court	court	NOUN
cblr-14258	557	14	reasonings	reasoning	NOUN
cblr-14258	557	15	in	in	ADP
cblr-14258	557	16	light	light	NOUN
cblr-14258	557	17	of	of	ADP
cblr-14258	557	18	the	the	DET
cblr-14258	557	19	state	state	NOUN
cblr-14258	557	20	common	common	ADJ
cblr-14258	557	21	law	law	NOUN
cblr-14258	557	22	on	on	ADP
cblr-14258	557	23	statutory	statutory	ADJ
cblr-14258	557	24	retroactivity	retroactivity	NOUN
cblr-14258	557	25	,	,	PUNCT
cblr-14258	557	26	as	as	ADV
cblr-14258	557	27	well	well	ADV
cblr-14258	557	28	as	as	ADP
cblr-14258	557	29	by	by	ADP
cblr-14258	557	30	filling	fill	VERB
cblr-14258	557	31	in	in	ADP
cblr-14258	557	32	the	the	DET
cblr-14258	557	33	gaps	gap	NOUN
cblr-14258	557	34	in	in	ADP
cblr-14258	557	35	the	the	DET
cblr-14258	557	36	holdings	holding	NOUN
cblr-14258	557	37	of	of	ADP
cblr-14258	557	38	current	current	ADJ
cblr-14258	557	39	cases	case	NOUN
cblr-14258	557	40	and	and	CCONJ
cblr-14258	557	41	integrating	integrate	VERB
cblr-14258	557	42	them	they	PRON
cblr-14258	557	43	into	into	ADP
cblr-14258	557	44	more	more	ADV
cblr-14258	557	45	coherent	coherent	ADJ
cblr-14258	557	46	rules	rule	NOUN
cblr-14258	557	47	.	.	PUNCT
cblr-14258	558	1	having	have	VERB
cblr-14258	558	2	clearer	clear	ADJ
cblr-14258	558	3	standards	standard	NOUN
cblr-14258	558	4	on	on	ADP
cblr-14258	558	5	fapa	fapa	NOUN
cblr-14258	558	6	’s	’s	PART
cblr-14258	558	7	retroactivity	retroactivity	NOUN
cblr-14258	558	8	is	be	AUX
cblr-14258	558	9	significant	significant	ADJ
cblr-14258	558	10	for	for	ADP
cblr-14258	558	11	a	a	DET
cblr-14258	558	12	few	few	ADJ
cblr-14258	558	13	reasons	reason	NOUN
cblr-14258	558	14	.	.	PUNCT
cblr-14258	559	1	first	first	ADV
cblr-14258	559	2	,	,	PUNCT
cblr-14258	559	3	without	without	ADP
cblr-14258	559	4	any	any	DET
cblr-14258	559	5	opinion	opinion	NOUN
cblr-14258	559	6	from	from	ADP
cblr-14258	559	7	the	the	DET
cblr-14258	559	8	court	court	NOUN
cblr-14258	559	9	of	of	ADP
cblr-14258	559	10	appeals	appeal	NOUN
cblr-14258	559	11	at	at	ADP
cblr-14258	559	12	the	the	DET
cblr-14258	559	13	moment	moment	NOUN
cblr-14258	559	14	,	,	PUNCT
cblr-14258	559	15	it	it	PRON
cblr-14258	559	16	would	would	AUX
cblr-14258	559	17	help	help	VERB
cblr-14258	559	18	courts	court	NOUN
cblr-14258	559	19	and	and	CCONJ
cblr-14258	559	20	parties	party	NOUN
cblr-14258	559	21	resolve	resolve	VERB
cblr-14258	559	22	their	their	PRON
cblr-14258	559	23	disputes	dispute	NOUN
cblr-14258	559	24	more	more	ADV
cblr-14258	559	25	efficiently	efficiently	ADV
cblr-14258	559	26	in	in	ADP
cblr-14258	559	27	the	the	DET
cblr-14258	559	28	future	future	NOUN
cblr-14258	559	29	.	.	PUNCT
cblr-14258	560	1	second	second	ADJ
cblr-14258	560	2	,	,	PUNCT
cblr-14258	560	3	it	it	PRON
cblr-14258	560	4	would	would	AUX
cblr-14258	560	5	help	help	AUX
cblr-14258	560	6	clarify	clarify	VERB
cblr-14258	560	7	the	the	DET
cblr-14258	560	8	new	new	PROPN
cblr-14258	560	9	york	york	PROPN
cblr-14258	560	10	state	state	NOUN
cblr-14258	560	11	rules	rule	NOUN
cblr-14258	560	12	on	on	ADP
cblr-14258	560	13	many	many	ADJ
cblr-14258	560	14	issues	issue	NOUN
cblr-14258	560	15	regarding	regard	VERB
cblr-14258	560	16	statutory	statutory	ADJ
cblr-14258	560	17	retroactivity	retroactivity	NOUN
cblr-14258	560	18	in	in	ADP
cblr-14258	560	19	general	general	ADJ
cblr-14258	560	20	.	.	PUNCT
cblr-14258	561	1	and	and	CCONJ
cblr-14258	561	2	finally	finally	ADV
cblr-14258	561	3	,	,	PUNCT
cblr-14258	561	4	a	a	DET
cblr-14258	561	5	thorough	thorough	ADJ
cblr-14258	561	6	analysis	analysis	NOUN
cblr-14258	561	7	of	of	ADP
cblr-14258	561	8	the	the	DET
cblr-14258	561	9	issues	issue	NOUN
cblr-14258	561	10	could	could	AUX
cblr-14258	561	11	help	help	VERB
cblr-14258	561	12	elucidate	elucidate	VERB
cblr-14258	561	13	the	the	DET
cblr-14258	561	14	real	real	ADJ
cblr-14258	561	15	impact	impact	NOUN
cblr-14258	561	16	of	of	ADP
cblr-14258	561	17	this	this	DET
cblr-14258	561	18	new	new	ADJ
cblr-14258	561	19	and	and	CCONJ
cblr-14258	561	20	controversial	controversial	ADJ
cblr-14258	561	21	legislation	legislation	NOUN
cblr-14258	561	22	on	on	ADP
cblr-14258	561	23	borrowers	borrower	NOUN
cblr-14258	561	24	and	and	CCONJ
cblr-14258	561	25	lenders	lender	NOUN
cblr-14258	561	26	in	in	ADP
cblr-14258	561	27	new	new	PROPN
cblr-14258	561	28	york	york	PROPN
cblr-14258	561	29	.	.	PUNCT
cblr-14258	562	1	outside	outside	ADP
cblr-14258	562	2	of	of	ADP
cblr-14258	562	3	the	the	DET
cblr-14258	562	4	courts	court	NOUN
cblr-14258	562	5	,	,	PUNCT
cblr-14258	562	6	the	the	DET
cblr-14258	562	7	reaction	reaction	NOUN
cblr-14258	562	8	of	of	ADP
cblr-14258	562	9	the	the	DET
cblr-14258	562	10	mortgage	mortgage	NOUN
cblr-14258	562	11	industry	industry	NOUN
cblr-14258	562	12	to	to	PART
cblr-14258	562	13	fapa	fapa	VERB
cblr-14258	562	14	’s	’s	PART
cblr-14258	562	15	enactment	enactment	NOUN
cblr-14258	562	16	has	have	AUX
cblr-14258	562	17	been	be	AUX
cblr-14258	562	18	mixed	mix	VERB
cblr-14258	562	19	.	.	PUNCT
cblr-14258	563	1	proponents	proponent	NOUN
cblr-14258	563	2	have	have	AUX
cblr-14258	563	3	expressed	express	VERB
cblr-14258	563	4	that	that	SCONJ
cblr-14258	563	5	lenders	lender	NOUN
cblr-14258	563	6	in	in	ADP
cblr-14258	563	7	new	new	PROPN
cblr-14258	563	8	york	york	PROPN
cblr-14258	563	9	“	"	PUNCT
cblr-14258	563	10	have	have	VERB
cblr-14258	563	11	a	a	DET
cblr-14258	563	12	longstanding	longstanding	ADJ
cblr-14258	563	13	reputation	reputation	NOUN
cblr-14258	563	14	for	for	ADP
cblr-14258	563	15	marginalizing	marginalize	VERB
cblr-14258	563	16	the	the	DET
cblr-14258	563	17	statute	statute	NOUN
cblr-14258	563	18	of	of	ADP
cblr-14258	563	19	limitations	limitation	NOUN
cblr-14258	563	20	through	through	ADP
cblr-14258	563	21	stopping	stop	VERB
cblr-14258	563	22	and	and	CCONJ
cblr-14258	563	23	restarting	restart	VERB
cblr-14258	563	24	actions	action	NOUN
cblr-14258	563	25	that	that	PRON
cblr-14258	563	26	can	can	AUX
cblr-14258	563	27	leave	leave	VERB
cblr-14258	563	28	homeowners	homeowner	NOUN
cblr-14258	563	29	in	in	ADP
cblr-14258	563	30	foreclosure	foreclosure	NOUN
cblr-14258	563	31	for	for	ADP
cblr-14258	563	32	a	a	DET
cblr-14258	563	33	decade	decade	NOUN
cblr-14258	563	34	or	or	CCONJ
cblr-14258	563	35	more	more	ADJ
cblr-14258	563	36	,	,	PUNCT
cblr-14258	563	37	”	"	PUNCT
cblr-14258	563	38	and	and	CCONJ
cblr-14258	563	39	that	that	SCONJ
cblr-14258	563	40	148	148	NUM
cblr-14258	563	41	u.s	u.s	PROPN
cblr-14258	563	42	.	.	PROPN
cblr-14258	563	43	bank	bank	PROPN
cblr-14258	563	44	nat’l	nat’l	VERB
cblr-14258	563	45	ass’n	ass’n	PROPN
cblr-14258	563	46	v.	v.	CCONJ
cblr-14258	563	47	speller	speller	NOUN
cblr-14258	563	48	,	,	PUNCT
cblr-14258	563	49	197	197	NUM
cblr-14258	563	50	n.y.s.3d	n.y.s.3d	NUM
cblr-14258	563	51	925	925	NUM
cblr-14258	563	52	(	(	PUNCT
cblr-14258	563	53	table	table	NOUN
cblr-14258	563	54	)	)	PUNCT
cblr-14258	563	55	,	,	PUNCT
cblr-14258	563	56	at	at	ADP
cblr-14258	563	57	*	*	NUM
cblr-14258	563	58	21	21	NUM
cblr-14258	563	59	(	(	PUNCT
cblr-14258	563	60	n.y	n.y	PROPN
cblr-14258	563	61	.	.	PROPN
cblr-14258	563	62	sup	sup	PROPN
cblr-14258	563	63	.	.	PUNCT
cblr-14258	564	1	ct	ct	PROPN
cblr-14258	564	2	.	.	PUNCT
cblr-14258	564	3	oct	oct	PROPN
cblr-14258	564	4	.	.	PROPN
cblr-14258	564	5	31	31	NUM
cblr-14258	564	6	,	,	PUNCT
cblr-14258	564	7	2023	2023	NUM
cblr-14258	564	8	)	)	PUNCT
cblr-14258	564	9	.	.	PUNCT
cblr-14258	565	1	149	149	NUM
cblr-14258	566	1	i	i	PRON
cblr-14258	566	2	d.	d.	PROPN
cblr-14258	566	3	no	no	INTJ
cblr-14258	566	4	.	.	NOUN
cblr-14258	566	5	1	1	NUM
cblr-14258	566	6	]	]	PUNCT
cblr-14258	566	7	retroactive	retroactive	ADJ
cblr-14258	566	8	application	application	NOUN
cblr-14258	566	9	of	of	ADP
cblr-14258	566	10	the	the	DET
cblr-14258	566	11	ny	ny	PROPN
cblr-14258	566	12	fapa	fapa	PROPN
cblr-14258	566	13	653	653	NUM
cblr-14258	566	14	such	such	ADJ
cblr-14258	566	15	practices	practice	NOUN
cblr-14258	566	16	“	"	PUNCT
cblr-14258	566	17	disproportionately	disproportionately	ADV
cblr-14258	566	18	harm	harm	VERB
cblr-14258	566	19	communities	community	NOUN
cblr-14258	566	20	of	of	ADP
cblr-14258	566	21	color	color	NOUN
cblr-14258	566	22	.	.	PUNCT
cblr-14258	567	1	”150	”150	PROPN
cblr-14258	568	1	some	some	DET
cblr-14258	568	2	described	describe	VERB
cblr-14258	568	3	engel	engel	NOUN
cblr-14258	568	4	as	as	ADP
cblr-14258	568	5	“	"	PUNCT
cblr-14258	568	6	aberrational”151	aberrational”151	PROPN
cblr-14258	568	7	and	and	CCONJ
cblr-14258	568	8	felt	feel	VERB
cblr-14258	568	9	relieved	relieve	VERB
cblr-14258	568	10	that	that	SCONJ
cblr-14258	568	11	fapa	fapa	NOUN
cblr-14258	568	12	would	would	AUX
cblr-14258	568	13	end	end	VERB
cblr-14258	568	14	the	the	DET
cblr-14258	568	15	“	"	PUNCT
cblr-14258	568	16	chaos	chaos	NOUN
cblr-14258	568	17	”	"	PUNCT
cblr-14258	568	18	brought	bring	VERB
cblr-14258	568	19	by	by	ADP
cblr-14258	568	20	engel	engel	PROPN
cblr-14258	568	21	,	,	PUNCT
cblr-14258	568	22	preventing	prevent	VERB
cblr-14258	568	23	“	"	PUNCT
cblr-14258	568	24	long	long	ADJ
cblr-14258	568	25	-	-	PUNCT
cblr-14258	568	26	dead	dead	ADJ
cblr-14258	568	27	foreclosure	foreclosure	NOUN
cblr-14258	568	28	cases	case	NOUN
cblr-14258	568	29	”	"	PUNCT
cblr-14258	568	30	to	to	PART
cblr-14258	568	31	be	be	AUX
cblr-14258	568	32	exhumed.152	exhumed.152	PROPN
cblr-14258	568	33	opponents	opponent	NOUN
cblr-14258	568	34	of	of	ADP
cblr-14258	568	35	the	the	DET
cblr-14258	568	36	bill	bill	NOUN
cblr-14258	568	37	,	,	PUNCT
cblr-14258	568	38	on	on	ADP
cblr-14258	568	39	the	the	DET
cblr-14258	568	40	other	other	ADJ
cblr-14258	568	41	hand	hand	NOUN
cblr-14258	568	42	,	,	PUNCT
cblr-14258	568	43	argued	argue	VERB
cblr-14258	568	44	that	that	SCONJ
cblr-14258	568	45	fapa	fapa	NOUN
cblr-14258	568	46	would	would	AUX
cblr-14258	568	47	“	"	PUNCT
cblr-14258	568	48	severely	severely	ADV
cblr-14258	568	49	limit	limit	VERB
cblr-14258	568	50	the	the	DET
cblr-14258	568	51	mortgage	mortgage	NOUN
cblr-14258	568	52	holders	holder	NOUN
cblr-14258	568	53	’	'	PUNCT
cblr-14258	568	54	right	right	NOUN
cblr-14258	568	55	to	to	PART
cblr-14258	568	56	reach	reach	VERB
cblr-14258	568	57	the	the	DET
cblr-14258	568	58	merits	merit	NOUN
cblr-14258	568	59	of	of	ADP
cblr-14258	568	60	a	a	DET
cblr-14258	568	61	foreclosure	foreclosure	NOUN
cblr-14258	568	62	claim	claim	NOUN
cblr-14258	568	63	and	and	CCONJ
cblr-14258	568	64	encourages	encourage	VERB
cblr-14258	568	65	borrowers	borrower	NOUN
cblr-14258	568	66	to	to	PART
cblr-14258	568	67	delay	delay	VERB
cblr-14258	568	68	foreclosure	foreclosure	NOUN
cblr-14258	568	69	proceedings	proceeding	NOUN
cblr-14258	568	70	and	and	CCONJ
cblr-14258	568	71	ignore	ignore	VERB
cblr-14258	568	72	loss	loss	NOUN
cblr-14258	568	73	mitigation	mitigation	NOUN
cblr-14258	568	74	and	and	CCONJ
cblr-14258	568	75	debt	debt	NOUN
cblr-14258	568	76	restructuring	restructuring	NOUN
cblr-14258	568	77	efforts	effort	NOUN
cblr-14258	568	78	made	make	VERB
cblr-14258	568	79	by	by	ADP
cblr-14258	568	80	lenders	lender	NOUN
cblr-14258	568	81	.	.	PUNCT
cblr-14258	568	82	”153	”153	NOUN
cblr-14258	569	1	they	they	PRON
cblr-14258	569	2	predict	predict	VERB
cblr-14258	569	3	that	that	SCONJ
cblr-14258	569	4	with	with	ADP
cblr-14258	569	5	fapa	fapa	NOUN
cblr-14258	569	6	,	,	PUNCT
cblr-14258	569	7	many	many	ADJ
cblr-14258	569	8	lenders	lender	NOUN
cblr-14258	569	9	will	will	AUX
cblr-14258	569	10	“	"	PUNCT
cblr-14258	569	11	stop	stop	VERB
cblr-14258	569	12	originating	originate	VERB
cblr-14258	569	13	loans	loan	NOUN
cblr-14258	569	14	in	in	ADP
cblr-14258	569	15	new	new	PROPN
cblr-14258	569	16	york	york	PROPN
cblr-14258	569	17	,	,	PUNCT
cblr-14258	569	18	”	"	PUNCT
cblr-14258	569	19	and	and	CCONJ
cblr-14258	569	20	even	even	ADV
cblr-14258	569	21	if	if	SCONJ
cblr-14258	569	22	they	they	PRON
cblr-14258	569	23	do	do	VERB
cblr-14258	569	24	,	,	PUNCT
cblr-14258	569	25	they	they	PRON
cblr-14258	569	26	would	would	AUX
cblr-14258	569	27	revise	revise	VERB
cblr-14258	569	28	income	income	NOUN
cblr-14258	569	29	thresholds	threshold	NOUN
cblr-14258	569	30	upward	upward	ADV
cblr-14258	569	31	,	,	PUNCT
cblr-14258	569	32	which	which	PRON
cblr-14258	569	33	would	would	AUX
cblr-14258	569	34	harm	harm	VERB
cblr-14258	569	35	low	low	ADJ
cblr-14258	569	36	-	-	PUNCT
cblr-14258	569	37	income	income	NOUN
cblr-14258	569	38	borrowers	borrower	NOUN
cblr-14258	569	39	and	and	CCONJ
cblr-14258	569	40	first	first	ADJ
cblr-14258	569	41	-	-	PUNCT
cblr-14258	569	42	time	time	NOUN
cblr-14258	569	43	homeowners.154	homeowners.154	NOUN
cblr-14258	569	44	many	many	ADJ
cblr-14258	569	45	also	also	ADV
cblr-14258	569	46	worry	worry	VERB
cblr-14258	569	47	that	that	SCONJ
cblr-14258	569	48	although	although	SCONJ
cblr-14258	569	49	“	"	PUNCT
cblr-14258	569	50	fapa	fapa	NOUN
cblr-14258	569	51	presently	presently	ADV
cblr-14258	569	52	pertains	pertain	VERB
cblr-14258	569	53	only	only	ADV
cblr-14258	569	54	to	to	ADP
cblr-14258	569	55	new	new	PROPN
cblr-14258	569	56	york	york	PROPN
cblr-14258	569	57	state	state	PROPN
cblr-14258	569	58	,	,	PUNCT
cblr-14258	569	59	its	its	PRON
cblr-14258	569	60	enactment	enactment	NOUN
cblr-14258	569	61	may	may	AUX
cblr-14258	569	62	pave	pave	VERB
cblr-14258	569	63	the	the	DET
cblr-14258	569	64	way	way	NOUN
cblr-14258	569	65	for	for	ADP
cblr-14258	569	66	similar	similar	ADJ
cblr-14258	569	67	legislation	legislation	NOUN
cblr-14258	569	68	elsewhere	elsewhere	ADV
cblr-14258	569	69	.	.	PUNCT
cblr-14258	569	70	”155	”155	PUNCT
cblr-14258	570	1	with	with	ADP
cblr-14258	570	2	fapa	fapa	NOUN
cblr-14258	570	3	having	having	AUX
cblr-14258	570	4	been	be	AUX
cblr-14258	570	5	in	in	ADP
cblr-14258	570	6	effect	effect	NOUN
cblr-14258	570	7	for	for	ADP
cblr-14258	570	8	only	only	ADV
cblr-14258	570	9	about	about	ADP
cblr-14258	570	10	two	two	NUM
cblr-14258	570	11	years	year	NOUN
cblr-14258	570	12	,	,	PUNCT
cblr-14258	570	13	much	much	ADV
cblr-14258	570	14	is	be	AUX
cblr-14258	570	15	yet	yet	ADV
cblr-14258	570	16	to	to	PART
cblr-14258	570	17	be	be	AUX
cblr-14258	570	18	seen	see	VERB
cblr-14258	570	19	regarding	regard	VERB
cblr-14258	570	20	fapa	fapa	NOUN
cblr-14258	570	21	’s	’s	PART
cblr-14258	570	22	jurisprudence	jurisprudence	NOUN
cblr-14258	570	23	and	and	CCONJ
cblr-14258	570	24	whether	whether	SCONJ
cblr-14258	570	25	the	the	DET
cblr-14258	570	26	impacts	impact	NOUN
cblr-14258	570	27	that	that	PRON
cblr-14258	570	28	the	the	DET
cblr-14258	570	29	proponents	proponent	NOUN
cblr-14258	570	30	and	and	CCONJ
cblr-14258	570	31	opponents	opponent	NOUN
cblr-14258	570	32	have	have	AUX
cblr-14258	570	33	discussed	discuss	VERB
cblr-14258	570	34	above	above	ADV
cblr-14258	570	35	will	will	AUX
cblr-14258	570	36	realize	realize	VERB
cblr-14258	570	37	.	.	PUNCT
cblr-14258	571	1	as	as	ADP
cblr-14258	571	2	such	such	ADJ
cblr-14258	571	3	,	,	PUNCT
cblr-14258	571	4	fapa	fapa	NOUN
cblr-14258	571	5	is	be	AUX
cblr-14258	571	6	on	on	ADP
cblr-14258	571	7	its	its	PRON
cblr-14258	571	8	way	way	NOUN
cblr-14258	571	9	to	to	PART
cblr-14258	571	10	become	become	VERB
cblr-14258	571	11	a	a	DET
cblr-14258	571	12	ripe	ripe	ADJ
cblr-14258	571	13	field	field	NOUN
cblr-14258	571	14	for	for	ADP
cblr-14258	571	15	legal	legal	ADJ
cblr-14258	571	16	scholars	scholar	NOUN
cblr-14258	571	17	and	and	CCONJ
cblr-14258	571	18	social	social	ADJ
cblr-14258	571	19	scientists	scientist	NOUN
cblr-14258	571	20	to	to	PART
cblr-14258	571	21	explore	explore	VERB
cblr-14258	571	22	,	,	PUNCT
cblr-14258	571	23	and	and	CCONJ
cblr-14258	571	24	this	this	DET
cblr-14258	571	25	note	note	NOUN
cblr-14258	571	26	hopes	hope	VERB
cblr-14258	571	27	to	to	PART
cblr-14258	571	28	leave	leave	VERB
cblr-14258	571	29	some	some	DET
cblr-14258	571	30	groundwork	groundwork	NOUN
cblr-14258	571	31	for	for	ADP
cblr-14258	571	32	such	such	ADJ
cblr-14258	571	33	future	future	ADJ
cblr-14258	571	34	endeavors	endeavor	NOUN
cblr-14258	571	35	.	.	PUNCT
cblr-14258	572	1	150	150	NUM
cblr-14258	572	2	see	see	VERB
cblr-14258	572	3	steve	steve	PROPN
cblr-14258	572	4	goode	goode	PROPN
cblr-14258	572	5	,	,	PUNCT
cblr-14258	572	6	n.y	n.y	PROPN
cblr-14258	572	7	.	.	PROPN
cblr-14258	572	8	senate	senate	PROPN
cblr-14258	572	9	passes	pass	VERB
cblr-14258	572	10	foreclosure	foreclosure	NOUN
cblr-14258	572	11	abuse	abuse	NOUN
cblr-14258	572	12	prevention	prevention	NOUN
cblr-14258	572	13	bill	bill	NOUN
cblr-14258	572	14	,	,	PUNCT
cblr-14258	572	15	nat’l	nat’l	NOUN
cblr-14258	572	16	mortg	mortg	NOUN
cblr-14258	572	17	.	.	PUNCT
cblr-14258	573	1	pro	pro	X
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