id	sid	tid	token	lemma	pos
cblr-9983	1	1	microsoft	microsoft	PROPN
cblr-9983	1	2	word	word	NOUN
cblr-9983	1	3	7	7	NUM
cblr-9983	1	4	.	.	PUNCT
cblr-9983	1	5	final_tarullo.docx	final_tarullo.docx	PUNCT
cblr-9983	1	6	bank	bank	NOUN
cblr-9983	1	7	supervision	supervision	NOUN
cblr-9983	1	8	and	and	CCONJ
cblr-9983	1	9	administrative	administrative	ADJ
cblr-9983	1	10	law	law	PROPN
cblr-9983	1	11	daniel	daniel	PROPN
cblr-9983	1	12	k.	k.	PROPN
cblr-9983	1	13	tarullo	tarullo	PROPN
cblr-9983	1	14	*	*	PUNCT
cblr-9983	2	1	this	this	DET
cblr-9983	2	2	article	article	NOUN
cblr-9983	2	3	presents	present	VERB
cblr-9983	2	4	a	a	DET
cblr-9983	2	5	systematic	systematic	ADJ
cblr-9983	2	6	consideration	consideration	NOUN
cblr-9983	2	7	of	of	ADP
cblr-9983	2	8	how	how	SCONJ
cblr-9983	2	9	administrative	administrative	ADJ
cblr-9983	2	10	law	law	NOUN
cblr-9983	2	11	doctrines	doctrine	NOUN
cblr-9983	2	12	apply	apply	VERB
cblr-9983	2	13	to	to	ADP
cblr-9983	2	14	banking	banking	NOUN
cblr-9983	2	15	supervision	supervision	NOUN
cblr-9983	2	16	,	,	PUNCT
cblr-9983	2	17	an	an	DET
cblr-9983	2	18	unusual	unusual	ADJ
cblr-9983	2	19	form	form	NOUN
cblr-9983	2	20	of	of	ADP
cblr-9983	2	21	administrative	administrative	ADJ
cblr-9983	2	22	practice	practice	NOUN
cblr-9983	2	23	that	that	PRON
cblr-9983	2	24	rests	rest	VERB
cblr-9983	2	25	on	on	ADP
cblr-9983	2	26	an	an	DET
cblr-9983	2	27	iterative	iterative	NOUN
cblr-9983	2	28	relationship	relationship	NOUN
cblr-9983	2	29	between	between	ADP
cblr-9983	2	30	banks	bank	NOUN
cblr-9983	2	31	and	and	CCONJ
cblr-9983	2	32	supervisors	supervisor	NOUN
cblr-9983	2	33	.	.	PUNCT
cblr-9983	3	1	first	first	ADV
cblr-9983	3	2	,	,	PUNCT
cblr-9983	3	3	it	it	PRON
cblr-9983	3	4	describes	describe	VERB
cblr-9983	3	5	the	the	DET
cblr-9983	3	6	rationales	rationale	NOUN
cblr-9983	3	7	for	for	ADP
cblr-9983	3	8	,	,	PUNCT
cblr-9983	3	9	and	and	CCONJ
cblr-9983	3	10	process	process	NOUN
cblr-9983	3	11	of	of	ADP
cblr-9983	3	12	,	,	PUNCT
cblr-9983	3	13	bank	bank	NOUN
cblr-9983	3	14	supervision	supervision	NOUN
cblr-9983	3	15	.	.	PUNCT
cblr-9983	4	1	second	second	ADV
cblr-9983	4	2	,	,	PUNCT
cblr-9983	4	3	this	this	DET
cblr-9983	4	4	article	article	NOUN
cblr-9983	4	5	uses	use	VERB
cblr-9983	4	6	recent	recent	ADJ
cblr-9983	4	7	administrative	administrative	ADJ
cblr-9983	4	8	law	law	NOUN
cblr-9983	4	9	arguments	argument	NOUN
cblr-9983	4	10	lodged	lodge	VERB
cblr-9983	4	11	by	by	ADP
cblr-9983	4	12	banking	banking	NOUN
cblr-9983	4	13	interests	interest	NOUN
cblr-9983	4	14	against	against	ADP
cblr-9983	4	15	key	key	ADJ
cblr-9983	4	16	supervisory	supervisory	ADJ
cblr-9983	4	17	practices	practice	NOUN
cblr-9983	4	18	as	as	ADP
cblr-9983	4	19	the	the	DET
cblr-9983	4	20	springboard	springboard	NOUN
cblr-9983	4	21	for	for	ADP
cblr-9983	4	22	an	an	DET
cblr-9983	4	23	analysis	analysis	NOUN
cblr-9983	4	24	of	of	ADP
cblr-9983	4	25	why	why	SCONJ
cblr-9983	4	26	our	our	PRON
cblr-9983	4	27	largely	largely	ADV
cblr-9983	4	28	“	"	PUNCT
cblr-9983	4	29	transsubstantive	transsubstantive	ADJ
cblr-9983	4	30	”	"	PUNCT
cblr-9983	4	31	administrative	administrative	ADJ
cblr-9983	4	32	law	law	NOUN
cblr-9983	4	33	can	can	AUX
cblr-9983	4	34	be	be	AUX
cblr-9983	4	35	problematic	problematic	ADJ
cblr-9983	4	36	in	in	ADP
cblr-9983	4	37	the	the	DET
cblr-9983	4	38	context	context	NOUN
cblr-9983	4	39	of	of	ADP
cblr-9983	4	40	specific	specific	ADJ
cblr-9983	4	41	mandates	mandate	NOUN
cblr-9983	4	42	given	give	VERB
cblr-9983	4	43	by	by	ADP
cblr-9983	4	44	congress	congress	PROPN
cblr-9983	4	45	to	to	ADP
cblr-9983	4	46	administrative	administrative	ADJ
cblr-9983	4	47	agencies	agency	NOUN
cblr-9983	4	48	.	.	PUNCT
cblr-9983	5	1	it	it	PRON
cblr-9983	5	2	argues	argue	VERB
cblr-9983	5	3	that	that	SCONJ
cblr-9983	5	4	courts	court	NOUN
cblr-9983	5	5	considering	consider	VERB
cblr-9983	5	6	how	how	SCONJ
cblr-9983	5	7	administrative	administrative	ADJ
cblr-9983	5	8	law	law	NOUN
cblr-9983	5	9	doctrine	doctrine	NOUN
cblr-9983	5	10	applies	apply	VERB
cblr-9983	5	11	to	to	ADP
cblr-9983	5	12	agency	agency	NOUN
cblr-9983	5	13	practices	practice	NOUN
cblr-9983	5	14	must	must	AUX
cblr-9983	5	15	contemplate	contemplate	VERB
cblr-9983	5	16	more	more	ADV
cblr-9983	5	17	fully	fully	ADV
cblr-9983	5	18	the	the	DET
cblr-9983	5	19	substantive	substantive	ADJ
cblr-9983	5	20	law	law	NOUN
cblr-9983	5	21	the	the	PRON
cblr-9983	5	22	underpins	underpin	VERB
cblr-9983	5	23	the	the	DET
cblr-9983	5	24	mission	mission	NOUN
cblr-9983	5	25	and	and	CCONJ
cblr-9983	5	26	organization	organization	NOUN
cblr-9983	5	27	of	of	ADP
cblr-9983	5	28	the	the	DET
cblr-9983	5	29	agency	agency	NOUN
cblr-9983	5	30	.	.	PUNCT
cblr-9983	6	1	when	when	SCONJ
cblr-9983	6	2	these	these	DET
cblr-9983	6	3	statutory	statutory	ADJ
cblr-9983	6	4	provisions	provision	NOUN
cblr-9983	6	5	are	be	AUX
cblr-9983	6	6	taken	take	VERB
cblr-9983	6	7	appropriately	appropriately	ADV
cblr-9983	6	8	into	into	ADP
cblr-9983	6	9	account	account	NOUN
cblr-9983	6	10	,	,	PUNCT
cblr-9983	6	11	arguments	argument	NOUN
cblr-9983	6	12	that	that	SCONJ
cblr-9983	6	13	supervisory	supervisory	ADJ
cblr-9983	6	14	practices	practice	NOUN
cblr-9983	6	15	are	be	AUX
cblr-9983	6	16	consistent	consistent	ADJ
cblr-9983	6	17	with	with	ADP
cblr-9983	6	18	administrative	administrative	ADJ
cblr-9983	6	19	law	law	NOUN
cblr-9983	6	20	requirements	requirement	NOUN
cblr-9983	6	21	are	be	AUX
cblr-9983	6	22	substantially	substantially	ADV
cblr-9983	6	23	strengthened	strengthen	VERB
cblr-9983	6	24	.	.	PUNCT
cblr-9983	7	1	third	third	ADV
cblr-9983	7	2	,	,	PUNCT
cblr-9983	7	3	this	this	DET
cblr-9983	7	4	article	article	NOUN
cblr-9983	7	5	demonstrates	demonstrate	VERB
cblr-9983	7	6	how	how	SCONJ
cblr-9983	7	7	even	even	ADV
cblr-9983	7	8	a	a	DET
cblr-9983	7	9	more	more	ADV
cblr-9983	7	10	tailored	tailored	ADJ
cblr-9983	7	11	application	application	NOUN
cblr-9983	7	12	of	of	ADP
cblr-9983	7	13	contemporary	contemporary	PROPN
cblr-9983	7	14	administrative	administrative	PROPN
cblr-9983	7	15	law	law	NOUN
cblr-9983	7	16	doctrines	doctrine	NOUN
cblr-9983	7	17	would	would	AUX
cblr-9983	7	18	miss	miss	VERB
cblr-9983	7	19	a	a	DET
cblr-9983	7	20	critical	critical	ADJ
cblr-9983	7	21	feature	feature	NOUN
cblr-9983	7	22	of	of	ADP
cblr-9983	7	23	banking	banking	NOUN
cblr-9983	7	24	supervision	supervision	NOUN
cblr-9983	7	25	—	—	PUNCT
cblr-9983	7	26	that	that	SCONJ
cblr-9983	7	27	it	it	PRON
cblr-9983	7	28	is	be	AUX
cblr-9983	7	29	premised	premise	VERB
cblr-9983	7	30	on	on	ADP
cblr-9983	7	31	an	an	DET
cblr-9983	7	32	ongoing	ongoing	ADJ
cblr-9983	7	33	relationship	relationship	NOUN
cblr-9983	7	34	between	between	ADP
cblr-9983	7	35	banks	bank	NOUN
cblr-9983	7	36	and	and	CCONJ
cblr-9983	7	37	supervisors	supervisor	NOUN
cblr-9983	7	38	.	.	PUNCT
cblr-9983	8	1	judicial	judicial	ADJ
cblr-9983	8	2	review	review	NOUN
cblr-9983	8	3	of	of	ADP
cblr-9983	8	4	agency	agency	NOUN
cblr-9983	8	5	action	action	NOUN
cblr-9983	8	6	usually	usually	ADV
cblr-9983	8	7	focuses	focus	VERB
cblr-9983	8	8	on	on	ADP
cblr-9983	8	9	discrete	discrete	ADJ
cblr-9983	8	10	*	*	PUNCT
cblr-9983	8	11	nomura	nomura	NOUN
cblr-9983	8	12	professor	professor	NOUN
cblr-9983	8	13	of	of	ADP
cblr-9983	8	14	international	international	ADJ
cblr-9983	8	15	financial	financial	ADJ
cblr-9983	8	16	regulatory	regulatory	ADJ
cblr-9983	8	17	practice	practice	NOUN
cblr-9983	8	18	,	,	PUNCT
cblr-9983	8	19	harvard	harvard	PROPN
cblr-9983	8	20	law	law	PROPN
cblr-9983	8	21	school	school	NOUN
cblr-9983	8	22	.	.	PUNCT
cblr-9983	9	1	from	from	ADP
cblr-9983	9	2	2009	2009	NUM
cblr-9983	9	3	to	to	ADP
cblr-9983	9	4	2017	2017	NUM
cblr-9983	9	5	,	,	PUNCT
cblr-9983	9	6	the	the	DET
cblr-9983	9	7	author	author	NOUN
cblr-9983	9	8	was	be	AUX
cblr-9983	9	9	a	a	DET
cblr-9983	9	10	member	member	NOUN
cblr-9983	9	11	of	of	ADP
cblr-9983	9	12	the	the	DET
cblr-9983	9	13	board	board	NOUN
cblr-9983	9	14	of	of	ADP
cblr-9983	9	15	governors	governor	NOUN
cblr-9983	9	16	of	of	ADP
cblr-9983	9	17	the	the	DET
cblr-9983	9	18	federal	federal	PROPN
cblr-9983	9	19	reserve	reserve	PROPN
cblr-9983	9	20	system	system	NOUN
cblr-9983	9	21	,	,	PUNCT
cblr-9983	9	22	and	and	CCONJ
cblr-9983	9	23	oversight	oversight	NOUN
cblr-9983	9	24	governor	governor	NOUN
cblr-9983	9	25	for	for	ADP
cblr-9983	9	26	supervision	supervision	NOUN
cblr-9983	9	27	&	&	CCONJ
cblr-9983	9	28	regulation	regulation	NOUN
cblr-9983	9	29	.	.	PUNCT
cblr-9983	10	1	thanks	thank	NOUN
cblr-9983	10	2	to	to	ADP
cblr-9983	10	3	scott	scott	PROPN
cblr-9983	10	4	alvarez	alvarez	PROPN
cblr-9983	10	5	,	,	PUNCT
cblr-9983	10	6	tim	tim	PROPN
cblr-9983	10	7	clark	clark	PROPN
cblr-9983	10	8	,	,	PUNCT
cblr-9983	10	9	cary	cary	PROPN
cblr-9983	10	10	coglianese	coglianese	PROPN
cblr-9983	10	11	,	,	PUNCT
cblr-9983	10	12	howell	howell	PROPN
cblr-9983	10	13	jackson	jackson	PROPN
cblr-9983	10	14	,	,	PUNCT
cblr-9983	10	15	jack	jack	PROPN
cblr-9983	10	16	jennings	jennings	PROPN
cblr-9983	10	17	,	,	PUNCT
cblr-9983	10	18	patricia	patricia	PROPN
cblr-9983	10	19	mccoy	mccoy	PROPN
cblr-9983	10	20	,	,	PUNCT
cblr-9983	10	21	lev	lev	PROPN
cblr-9983	10	22	menand	menand	PROPN
cblr-9983	10	23	,	,	PUNCT
cblr-9983	10	24	gillian	gillian	PROPN
cblr-9983	10	25	metzger	metzger	PROPN
cblr-9983	10	26	,	,	PUNCT
cblr-9983	10	27	todd	todd	PROPN
cblr-9983	10	28	rakoff	rakoff	PROPN
cblr-9983	10	29	,	,	PUNCT
cblr-9983	10	30	kevin	kevin	PROPN
cblr-9983	10	31	stiroh	stiroh	PROPN
cblr-9983	10	32	,	,	PUNCT
cblr-9983	10	33	and	and	CCONJ
cblr-9983	10	34	participants	participant	NOUN
cblr-9983	10	35	in	in	ADP
cblr-9983	10	36	the	the	DET
cblr-9983	10	37	yale	yale	PROPN
cblr-9983	10	38	journal	journal	PROPN
cblr-9983	10	39	on	on	ADP
cblr-9983	10	40	regulation	regulation	NOUN
cblr-9983	10	41	2019	2019	NUM
cblr-9983	10	42	administrative	administrative	ADJ
cblr-9983	10	43	law	law	NOUN
cblr-9983	10	44	conference	conference	NOUN
cblr-9983	10	45	and	and	CCONJ
cblr-9983	10	46	a	a	DET
cblr-9983	10	47	harvard	harvard	PROPN
cblr-9983	10	48	law	law	NOUN
cblr-9983	10	49	school	school	NOUN
cblr-9983	10	50	faculty	faculty	NOUN
cblr-9983	10	51	workshop	workshop	NOUN
cblr-9983	10	52	for	for	ADP
cblr-9983	10	53	helpful	helpful	ADJ
cblr-9983	10	54	comments	comment	NOUN
cblr-9983	10	55	on	on	ADP
cblr-9983	10	56	earlier	early	ADJ
cblr-9983	10	57	versions	version	NOUN
cblr-9983	10	58	of	of	ADP
cblr-9983	10	59	this	this	DET
cblr-9983	10	60	article	article	NOUN
cblr-9983	10	61	.	.	PUNCT
cblr-9983	11	1	of	of	ADP
cblr-9983	11	2	course	course	NOUN
cblr-9983	11	3	,	,	PUNCT
cblr-9983	11	4	no	no	DET
cblr-9983	11	5	views	view	NOUN
cblr-9983	11	6	expressed	express	VERB
cblr-9983	11	7	in	in	ADP
cblr-9983	11	8	the	the	DET
cblr-9983	11	9	paper	paper	NOUN
cblr-9983	11	10	should	should	AUX
cblr-9983	11	11	be	be	AUX
cblr-9983	11	12	attributed	attribute	VERB
cblr-9983	11	13	to	to	ADP
cblr-9983	11	14	any	any	PRON
cblr-9983	11	15	of	of	ADP
cblr-9983	11	16	them	they	PRON
cblr-9983	11	17	.	.	PUNCT
cblr-9983	12	1	280	280	NUM
cblr-9983	12	2	columbia	columbia	PROPN
cblr-9983	12	3	business	business	NOUN
cblr-9983	12	4	law	law	NOUN
cblr-9983	12	5	review	review	NOUN
cblr-9983	12	6	[	[	X
cblr-9983	12	7	vol	vol	NOUN
cblr-9983	12	8	.	.	PUNCT
cblr-9983	12	9	2022	2022	NUM
cblr-9983	12	10	agency	agency	NOUN
cblr-9983	12	11	actions	action	NOUN
cblr-9983	12	12	,	,	PUNCT
cblr-9983	12	13	thereby	thereby	ADV
cblr-9983	12	14	eliding	elide	VERB
cblr-9983	12	15	this	this	DET
cblr-9983	12	16	critical	critical	ADJ
cblr-9983	12	17	fact	fact	NOUN
cblr-9983	12	18	.	.	PUNCT
cblr-9983	13	1	as	as	ADP
cblr-9983	13	2	a	a	DET
cblr-9983	13	3	result	result	NOUN
cblr-9983	13	4	,	,	PUNCT
cblr-9983	13	5	administrative	administrative	ADJ
cblr-9983	13	6	law	law	NOUN
cblr-9983	13	7	doctrines	doctrine	NOUN
cblr-9983	13	8	such	such	ADJ
cblr-9983	13	9	as	as	ADP
cblr-9983	13	10	the	the	DET
cblr-9983	13	11	“	"	PUNCT
cblr-9983	13	12	practically	practically	ADV
cblr-9983	13	13	binding	binding	ADJ
cblr-9983	13	14	”	"	PUNCT
cblr-9983	13	15	test	test	NOUN
cblr-9983	13	16	for	for	ADP
cblr-9983	13	17	agency	agency	NOUN
cblr-9983	13	18	guidance	guidance	NOUN
cblr-9983	13	19	are	be	AUX
cblr-9983	13	20	peculiarly	peculiarly	ADV
cblr-9983	13	21	inapposite	inapposite	ADJ
cblr-9983	13	22	.	.	PUNCT
cblr-9983	14	1	lastly	lastly	ADV
cblr-9983	14	2	,	,	PUNCT
cblr-9983	14	3	this	this	DET
cblr-9983	14	4	article	article	NOUN
cblr-9983	14	5	offers	offer	VERB
cblr-9983	14	6	a	a	DET
cblr-9983	14	7	tentative	tentative	ADJ
cblr-9983	14	8	proposal	proposal	NOUN
cblr-9983	14	9	for	for	ADP
cblr-9983	14	10	shifting	shift	VERB
cblr-9983	14	11	the	the	DET
cblr-9983	14	12	administrative	administrative	ADJ
cblr-9983	14	13	law	law	NOUN
cblr-9983	14	14	review	review	NOUN
cblr-9983	14	15	of	of	ADP
cblr-9983	14	16	supervisory	supervisory	ADJ
cblr-9983	14	17	actions	action	NOUN
cblr-9983	14	18	to	to	PART
cblr-9983	14	19	focus	focus	VERB
cblr-9983	14	20	on	on	ADP
cblr-9983	14	21	how	how	SCONJ
cblr-9983	14	22	banking	banking	NOUN
cblr-9983	14	23	agency	agency	NOUN
cblr-9983	14	24	processes	process	NOUN
cblr-9983	14	25	manage	manage	VERB
cblr-9983	14	26	the	the	DET
cblr-9983	14	27	iterative	iterative	ADJ
cblr-9983	14	28	nature	nature	NOUN
cblr-9983	14	29	of	of	ADP
cblr-9983	14	30	the	the	DET
cblr-9983	14	31	supervisory	supervisory	ADJ
cblr-9983	14	32	relationship	relationship	NOUN
cblr-9983	14	33	.	.	PUNCT
cblr-9983	15	1	i.	i.	PROPN
cblr-9983	15	2	introduction	introduction	NOUN
cblr-9983	15	3	.....................................................................	.....................................................................	PUNCT
cblr-9983	15	4	281	281	NUM
cblr-9983	15	5	ii	ii	NOUN
cblr-9983	15	6	.	.	PUNCT
cblr-9983	16	1	the	the	DET
cblr-9983	16	2	nature	nature	NOUN
cblr-9983	16	3	of	of	ADP
cblr-9983	16	4	bank	bank	NOUN
cblr-9983	16	5	supervision	supervision	NOUN
cblr-9983	16	6	...................................	...................................	PUNCT
cblr-9983	16	7	286	286	NUM
cblr-9983	16	8	a.	a.	NOUN
cblr-9983	16	9	the	the	DET
cblr-9983	16	10	role	role	NOUN
cblr-9983	16	11	of	of	ADP
cblr-9983	16	12	bank	bank	NOUN
cblr-9983	16	13	supervision	supervision	NOUN
cblr-9983	16	14	..............................	..............................	PUNCT
cblr-9983	16	15	291	291	NUM
cblr-9983	16	16	b.	b.	NOUN
cblr-9983	16	17	the	the	DET
cblr-9983	16	18	organization	organization	NOUN
cblr-9983	16	19	of	of	ADP
cblr-9983	16	20	bank	bank	PROPN
cblr-9983	16	21	supervision	supervision	NOUN
cblr-9983	16	22	................	................	PUNCT
cblr-9983	16	23	300	300	NUM
cblr-9983	16	24	iii	iii	NOUN
cblr-9983	16	25	.	.	PUNCT
cblr-9983	16	26	administrative	administrative	ADJ
cblr-9983	16	27	law	law	PROPN
cblr-9983	16	28	doctrine	doctrine	NOUN
cblr-9983	16	29	and	and	CCONJ
cblr-9983	16	30	supervisory	supervisory	ADJ
cblr-9983	16	31	activities	activity	NOUN
cblr-9983	16	32	...................................................................................	...................................................................................	PUNCT
cblr-9983	16	33	315	315	NUM
cblr-9983	16	34	a.	a.	NOUN
cblr-9983	16	35	procedural	procedural	ADJ
cblr-9983	16	36	requirements	requirement	NOUN
cblr-9983	16	37	for	for	ADP
cblr-9983	16	38	a	a	DET
cblr-9983	16	39	binding	bind	VERB
cblr-9983	16	40	stress	stress	NOUN
cblr-9983	16	41	test	test	NOUN
cblr-9983	16	42	regime	regime	NOUN
cblr-9983	16	43	..................................................................	..................................................................	PUNCT
cblr-9983	17	1	316	316	NUM
cblr-9983	17	2	1	1	NUM
cblr-9983	17	3	.	.	PUNCT
cblr-9983	17	4	background	background	NOUN
cblr-9983	17	5	on	on	ADP
cblr-9983	17	6	capital	capital	NOUN
cblr-9983	17	7	regulation	regulation	NOUN
cblr-9983	17	8	and	and	CCONJ
cblr-9983	17	9	stress	stress	NOUN
cblr-9983	17	10	testing	testing	NOUN
cblr-9983	17	11	.................................................	.................................................	PUNCT
cblr-9983	18	1	318	318	NUM
cblr-9983	18	2	2	2	NUM
cblr-9983	18	3	.	.	PUNCT
cblr-9983	18	4	arguments	argument	NOUN
cblr-9983	18	5	for	for	ADP
cblr-9983	18	6	notice	notice	NOUN
cblr-9983	18	7	-	-	PUNCT
cblr-9983	18	8	and	and	CCONJ
cblr-9983	18	9	-	-	PUNCT
cblr-9983	18	10	comment	comment	NOUN
cblr-9983	18	11	on	on	ADP
cblr-9983	18	12	supervisory	supervisory	ADJ
cblr-9983	18	13	stress	stress	NOUN
cblr-9983	18	14	model	model	NOUN
cblr-9983	18	15	and	and	CCONJ
cblr-9983	18	16	scenarios	scenario	NOUN
cblr-9983	18	17	.	.	PUNCT
cblr-9983	19	1	......	......	PUNCT
cblr-9983	20	1	324	324	NUM
cblr-9983	20	2	3	3	NUM
cblr-9983	20	3	.	.	PUNCT
cblr-9983	20	4	relevant	relevant	ADJ
cblr-9983	20	5	statutory	statutory	ADJ
cblr-9983	20	6	provisions	provision	NOUN
cblr-9983	20	7	on	on	ADP
cblr-9983	20	8	capital	capital	NOUN
cblr-9983	20	9	regulation	regulation	NOUN
cblr-9983	20	10	.	.	PUNCT
cblr-9983	21	1	......................................................	......................................................	PUNCT
cblr-9983	22	1	332	332	NUM
cblr-9983	22	2	b.	b.	NOUN
cblr-9983	22	3	supervisory	supervisory	ADJ
cblr-9983	22	4	ratings	rating	NOUN
cblr-9983	22	5	.............................................	.............................................	PUNCT
cblr-9983	22	6	340	340	NUM
cblr-9983	22	7	c.	c.	NOUN
cblr-9983	22	8	supervisory	supervisory	ADJ
cblr-9983	22	9	guidance	guidance	NOUN
cblr-9983	22	10	and	and	CCONJ
cblr-9983	22	11	communication	communication	NOUN
cblr-9983	22	12	........	........	PUNCT
cblr-9983	23	1	347	347	NUM
cblr-9983	23	2	1	1	X
cblr-9983	23	3	.	.	PUNCT
cblr-9983	23	4	supervisory	supervisory	ADJ
cblr-9983	23	5	guidance	guidance	NOUN
cblr-9983	23	6	and	and	CCONJ
cblr-9983	23	7	mras	mras	ADJ
cblr-9983	23	8	.	.	PUNCT
cblr-9983	24	1	..................	..................	PUNCT
cblr-9983	25	1	349	349	NUM
cblr-9983	25	2	2	2	NUM
cblr-9983	25	3	.	.	PUNCT
cblr-9983	25	4	interaction	interaction	NOUN
cblr-9983	25	5	of	of	ADP
cblr-9983	25	6	guidance	guidance	NOUN
cblr-9983	25	7	,	,	PUNCT
cblr-9983	25	8	mras	mras	ADJ
cblr-9983	25	9	,	,	PUNCT
cblr-9983	25	10	and	and	CCONJ
cblr-9983	25	11	ratings	rating	NOUN
cblr-9983	25	12	.	.	PUNCT
cblr-9983	26	1	353	353	NUM
cblr-9983	26	2	3	3	NUM
cblr-9983	26	3	.	.	PUNCT
cblr-9983	27	1	the	the	DET
cblr-9983	27	2	poor	poor	ADJ
cblr-9983	27	3	fit	fit	NOUN
cblr-9983	27	4	between	between	ADP
cblr-9983	27	5	doctrine	doctrine	NOUN
cblr-9983	27	6	and	and	CCONJ
cblr-9983	27	7	the	the	DET
cblr-9983	27	8	supervisory	supervisory	ADJ
cblr-9983	27	9	function	function	NOUN
cblr-9983	27	10	......................................	......................................	PUNCT
cblr-9983	27	11	363	363	NUM
cblr-9983	27	12	iv	iv	NUM
cblr-9983	27	13	.	.	PUNCT
cblr-9983	27	14	is	be	AUX
cblr-9983	27	15	a	a	DET
cblr-9983	27	16	different	different	ADJ
cblr-9983	27	17	approach	approach	NOUN
cblr-9983	27	18	feasible	feasible	ADJ
cblr-9983	27	19	?	?	PUNCT
cblr-9983	27	20	................................	................................	PUNCT
cblr-9983	28	1	367	367	NUM
cblr-9983	28	2	a.	a.	NOUN
cblr-9983	28	3	the	the	DET
cblr-9983	28	4	conceptual	conceptual	ADJ
cblr-9983	28	5	mismatch	mismatch	NOUN
cblr-9983	28	6	revisited	revisit	VERB
cblr-9983	28	7	...................	...................	PUNCT
cblr-9983	28	8	368	368	NUM
cblr-9983	28	9	b.	b.	NOUN
cblr-9983	28	10	toward	toward	ADP
cblr-9983	28	11	greater	great	ADJ
cblr-9983	28	12	congruence	congruence	NOUN
cblr-9983	28	13	of	of	ADP
cblr-9983	28	14	supervision	supervision	NOUN
cblr-9983	28	15	and	and	CCONJ
cblr-9983	28	16	administrative	administrative	ADJ
cblr-9983	28	17	law	law	NOUN
cblr-9983	28	18	..............................................	..............................................	PUNCT
cblr-9983	28	19	376	376	NUM
cblr-9983	28	20	1	1	NUM
cblr-9983	28	21	.	.	PUNCT
cblr-9983	29	1	trans	trans	ADJ
cblr-9983	29	2	-	-	ADJ
cblr-9983	29	3	substantive	substantive	ADJ
cblr-9983	29	4	options	option	NOUN
cblr-9983	29	5	for	for	ADP
cblr-9983	29	6	reconciling	reconcile	VERB
cblr-9983	29	7	administrative	administrative	ADJ
cblr-9983	29	8	law	law	NOUN
cblr-9983	29	9	and	and	CCONJ
cblr-9983	29	10	supervision	supervision	NOUN
cblr-9983	29	11	.............	.............	PUNCT
cblr-9983	29	12	377	377	NUM
cblr-9983	29	13	2	2	NUM
cblr-9983	29	14	.	.	PUNCT
cblr-9983	30	1	an	an	DET
cblr-9983	30	2	alternative	alternative	ADJ
cblr-9983	30	3	approach	approach	NOUN
cblr-9983	30	4	................................	................................	PUNCT
cblr-9983	30	5	379	379	NUM
cblr-9983	30	6	3	3	NUM
cblr-9983	30	7	.	.	PUNCT
cblr-9983	30	8	internal	internal	ADJ
cblr-9983	30	9	administrative	administrative	ADJ
cblr-9983	30	10	law	law	NOUN
cblr-9983	30	11	and	and	CCONJ
cblr-9983	30	12	judicial	judicial	ADJ
cblr-9983	30	13	review	review	NOUN
cblr-9983	30	14	.	.	PUNCT
cblr-9983	31	1	............................................................	............................................................	PUNCT
cblr-9983	32	1	383	383	NUM
cblr-9983	32	2	4	4	NUM
cblr-9983	32	3	.	.	PUNCT
cblr-9983	33	1	some	some	DET
cblr-9983	33	2	qualifications	qualification	NOUN
cblr-9983	33	3	.	.	PUNCT
cblr-9983	34	1	.......................................	.......................................	PUNCT
cblr-9983	35	1	395	395	NUM
cblr-9983	35	2	v.	v.	ADP
cblr-9983	35	3	conclusion	conclusion	NOUN
cblr-9983	35	4	.................................................................	.................................................................	PUNCT
cblr-9983	36	1	398	398	NUM
cblr-9983	36	2	no	no	NOUN
cblr-9983	36	3	.	.	PUNCT
cblr-9983	37	1	1:279	1:279	NOUN
cblr-9983	37	2	]	]	X
cblr-9983	37	3	bank	bank	NOUN
cblr-9983	37	4	supervision	supervision	NOUN
cblr-9983	37	5	and	and	CCONJ
cblr-9983	37	6	administrative	administrative	ADJ
cblr-9983	37	7	law	law	NOUN
cblr-9983	37	8	281	281	NUM
cblr-9983	37	9	i.	i.	NOUN
cblr-9983	37	10	introduction	introduction	PROPN
cblr-9983	37	11	bank	bank	PROPN
cblr-9983	37	12	supervision	supervision	NOUN
cblr-9983	37	13	is	be	AUX
cblr-9983	37	14	an	an	DET
cblr-9983	37	15	unusual	unusual	ADJ
cblr-9983	37	16	form	form	NOUN
cblr-9983	37	17	of	of	ADP
cblr-9983	37	18	administrative	administrative	ADJ
cblr-9983	37	19	practice	practice	NOUN
cblr-9983	37	20	that	that	PRON
cblr-9983	37	21	sits	sit	VERB
cblr-9983	37	22	uneasily	uneasily	ADV
cblr-9983	37	23	within	within	ADP
cblr-9983	37	24	contemporary	contemporary	ADJ
cblr-9983	37	25	administrative	administrative	ADJ
cblr-9983	37	26	law	law	NOUN
cblr-9983	37	27	doctrines	doctrine	NOUN
cblr-9983	37	28	.	.	PUNCT
cblr-9983	38	1	the	the	DET
cblr-9983	38	2	supervisory	supervisory	ADJ
cblr-9983	38	3	function	function	NOUN
cblr-9983	38	4	involves	involve	VERB
cblr-9983	38	5	“	"	PUNCT
cblr-9983	38	6	monitoring	monitoring	NOUN
cblr-9983	38	7	,	,	PUNCT
cblr-9983	38	8	inspecting	inspect	VERB
cblr-9983	38	9	,	,	PUNCT
cblr-9983	38	10	and	and	CCONJ
cblr-9983	38	11	examining	examine	VERB
cblr-9983	38	12	financial	financial	ADJ
cblr-9983	38	13	institutions	institution	NOUN
cblr-9983	38	14	”	"	PUNCT
cblr-9983	38	15	so	so	SCONJ
cblr-9983	38	16	as	as	SCONJ
cblr-9983	38	17	“	"	PUNCT
cblr-9983	38	18	to	to	PART
cblr-9983	38	19	ensure	ensure	VERB
cblr-9983	38	20	that	that	SCONJ
cblr-9983	38	21	an	an	DET
cblr-9983	38	22	institution	institution	NOUN
cblr-9983	38	23	complies	comply	VERB
cblr-9983	38	24	with	with	ADP
cblr-9983	38	25	[	[	X
cblr-9983	38	26	applicable	applicable	ADJ
cblr-9983	38	27	]	]	PUNCT
cblr-9983	38	28	rules	rule	NOUN
cblr-9983	38	29	and	and	CCONJ
cblr-9983	38	30	regulations	regulation	NOUN
cblr-9983	38	31	,	,	PUNCT
cblr-9983	38	32	and	and	CCONJ
cblr-9983	38	33	that	that	SCONJ
cblr-9983	38	34	it	it	PRON
cblr-9983	38	35	operates	operate	VERB
cblr-9983	38	36	in	in	ADP
cblr-9983	38	37	a	a	DET
cblr-9983	38	38	safe	safe	ADJ
cblr-9983	38	39	and	and	CCONJ
cblr-9983	38	40	sound	sound	ADJ
cblr-9983	38	41	manner	manner	NOUN
cblr-9983	38	42	.	.	PUNCT
cblr-9983	38	43	”1	”1	PUNCT
cblr-9983	39	1	rule	rule	NOUN
cblr-9983	39	2	enforcement	enforcement	NOUN
cblr-9983	39	3	,	,	PUNCT
cblr-9983	39	4	including	include	VERB
cblr-9983	39	5	through	through	ADP
cblr-9983	39	6	various	various	ADJ
cblr-9983	39	7	forms	form	NOUN
cblr-9983	39	8	of	of	ADP
cblr-9983	39	9	on	on	ADP
cblr-9983	39	10	-	-	PUNCT
cblr-9983	39	11	site	site	NOUN
cblr-9983	39	12	examination	examination	NOUN
cblr-9983	39	13	or	or	CCONJ
cblr-9983	39	14	inspection	inspection	NOUN
cblr-9983	39	15	,	,	PUNCT
cblr-9983	39	16	is	be	AUX
cblr-9983	39	17	hardly	hardly	ADV
cblr-9983	39	18	unique	unique	ADJ
cblr-9983	39	19	to	to	ADP
cblr-9983	39	20	banking	banking	NOUN
cblr-9983	39	21	agencies.2	agencies.2	ADP
cblr-9983	39	22	my	my	PRON
cblr-9983	39	23	focus	focus	NOUN
cblr-9983	39	24	here	here	ADV
cblr-9983	39	25	is	be	AUX
cblr-9983	39	26	principally	principally	ADV
cblr-9983	39	27	on	on	ADP
cblr-9983	39	28	that	that	DET
cblr-9983	39	29	second	second	ADJ
cblr-9983	39	30	task	task	NOUN
cblr-9983	39	31	of	of	ADP
cblr-9983	39	32	supervisors	supervisor	NOUN
cblr-9983	39	33	,	,	PUNCT
cblr-9983	39	34	referencing	reference	VERB
cblr-9983	39	35	the	the	DET
cblr-9983	39	36	statutory	statutory	ADJ
cblr-9983	39	37	authority	authority	NOUN
cblr-9983	39	38	of	of	ADP
cblr-9983	39	39	banking	banking	NOUN
cblr-9983	39	40	agencies	agency	NOUN
cblr-9983	39	41	to	to	PART
cblr-9983	39	42	prohibit	prohibit	VERB
cblr-9983	39	43	“	"	PUNCT
cblr-9983	39	44	unsafe	unsafe	ADJ
cblr-9983	39	45	or	or	CCONJ
cblr-9983	39	46	unsound	unsound	ADJ
cblr-9983	39	47	”	"	PUNCT
cblr-9983	39	48	banking	banking	NOUN
cblr-9983	39	49	practices,3	practices,3	NOUN
cblr-9983	39	50	which	which	PRON
cblr-9983	39	51	can	can	AUX
cblr-9983	39	52	include	include	VERB
cblr-9983	39	53	just	just	ADV
cblr-9983	39	54	about	about	ADP
cblr-9983	39	55	anything	anything	PRON
cblr-9983	39	56	a	a	DET
cblr-9983	39	57	bank	bank	NOUN
cblr-9983	39	58	is	be	AUX
cblr-9983	39	59	doing	do	VERB
cblr-9983	39	60	that	that	PRON
cblr-9983	39	61	may	may	AUX
cblr-9983	39	62	materially	materially	ADV
cblr-9983	39	63	affect	affect	VERB
cblr-9983	39	64	its	its	PRON
cblr-9983	39	65	financial	financial	ADJ
cblr-9983	39	66	soundness	soundness	NOUN
cblr-9983	39	67	.	.	PUNCT
cblr-9983	40	1	supervision	supervision	NOUN
cblr-9983	40	2	is	be	AUX
cblr-9983	40	3	an	an	DET
cblr-9983	40	4	iterative	iterative	NOUN
cblr-9983	40	5	process	process	NOUN
cblr-9983	40	6	of	of	ADP
cblr-9983	40	7	communication	communication	NOUN
cblr-9983	40	8	between	between	ADP
cblr-9983	40	9	banks	bank	NOUN
cblr-9983	40	10	and	and	CCONJ
cblr-9983	40	11	supervisors.4	supervisors.4	ADP
cblr-9983	40	12	it	it	PRON
cblr-9983	40	13	routinely	routinely	ADV
cblr-9983	40	14	involves	involve	VERB
cblr-9983	40	15	the	the	DET
cblr-9983	40	16	identification	identification	NOUN
cblr-9983	40	17	of	of	ADP
cblr-9983	40	18	potentially	potentially	ADV
cblr-9983	40	19	unsafe	unsafe	ADJ
cblr-9983	40	20	and	and	CCONJ
cblr-9983	40	21	unsound	unsound	ADJ
cblr-9983	40	22	practices	practice	NOUN
cblr-9983	40	23	in	in	ADP
cblr-9983	40	24	the	the	DET
cblr-9983	40	25	manifold	manifold	ADJ
cblr-9983	40	26	aspects	aspect	NOUN
cblr-9983	40	27	of	of	ADP
cblr-9983	40	28	bank	bank	NOUN
cblr-9983	40	29	activity	activity	NOUN
cblr-9983	40	30	unaddressed	unaddresse	VERB
cblr-9983	40	31	by	by	ADP
cblr-9983	40	32	legislative	legislative	ADJ
cblr-9983	40	33	rules	rule	NOUN
cblr-9983	40	34	,	,	PUNCT
cblr-9983	40	35	both	both	PRON
cblr-9983	40	36	for	for	ADP
cblr-9983	40	37	banks	bank	NOUN
cblr-9983	40	38	generally	generally	ADV
cblr-9983	40	39	and	and	CCONJ
cblr-9983	40	40	for	for	ADP
cblr-9983	40	41	individual	individual	ADJ
cblr-9983	40	42	banks.5	banks.5	PROPN
cblr-9983	40	43	though	though	SCONJ
cblr-9983	40	44	supervisory	supervisory	ADJ
cblr-9983	40	45	communication	communication	NOUN
cblr-9983	40	46	is	be	AUX
cblr-9983	40	47	not	not	PART
cblr-9983	40	48	legally	legally	ADV
cblr-9983	40	49	binding	bind	VERB
cblr-9983	40	50	,	,	PUNCT
cblr-9983	40	51	it	it	PRON
cblr-9983	40	52	is	be	AUX
cblr-9983	40	53	intended	intend	VERB
cblr-9983	40	54	to	to	PART
cblr-9983	40	55	affect	affect	VERB
cblr-9983	40	56	bank	bank	NOUN
cblr-9983	40	57	practice	practice	NOUN
cblr-9983	40	58	.	.	PUNCT
cblr-9983	41	1	it	it	PRON
cblr-9983	41	2	usually	usually	ADV
cblr-9983	41	3	,	,	PUNCT
cblr-9983	41	4	though	though	SCONJ
cblr-9983	41	5	not	not	PART
cblr-9983	41	6	invariably	invariably	ADV
cblr-9983	41	7	,	,	PUNCT
cblr-9983	41	8	does.6	does.6	PROPN
cblr-9983	41	9	predictably	predictably	ADV
cblr-9983	41	10	,	,	PUNCT
cblr-9983	41	11	this	this	DET
cblr-9983	41	12	influence	influence	NOUN
cblr-9983	41	13	of	of	ADP
cblr-9983	41	14	specified	specify	VERB
cblr-9983	41	15	supervisory	supervisory	ADJ
cblr-9983	41	16	expectations	expectation	NOUN
cblr-9983	41	17	rests	rest	VERB
cblr-9983	41	18	in	in	ADP
cblr-9983	41	19	part	part	NOUN
cblr-9983	41	20	on	on	ADP
cblr-9983	41	21	the	the	DET
cblr-9983	41	22	prospect	prospect	NOUN
cblr-9983	41	23	of	of	ADP
cblr-9983	41	24	formal	formal	ADJ
cblr-9983	41	25	enforcement	enforcement	NOUN
cblr-9983	41	26	actions	action	NOUN
cblr-9983	41	27	under	under	ADP
cblr-9983	41	28	the	the	DET
cblr-9983	41	29	quite	quite	ADV
cblr-9983	41	30	capacious	capacious	ADJ
cblr-9983	41	31	statutory	statutory	ADJ
cblr-9983	41	32	1	1	NUM
cblr-9983	41	33	bd	bd	PROPN
cblr-9983	41	34	.	.	PROPN
cblr-9983	41	35	of	of	ADP
cblr-9983	41	36	governors	governor	NOUN
cblr-9983	41	37	of	of	ADP
cblr-9983	41	38	the	the	DET
cblr-9983	41	39	fed	fed	PROPN
cblr-9983	41	40	.	.	PUNCT
cblr-9983	42	1	rsrv	rsrv	PROPN
cblr-9983	42	2	.	.	PUNCT
cblr-9983	43	1	sys	sys	PROPN
cblr-9983	43	2	.	.	PROPN
cblr-9983	43	3	,	,	PUNCT
cblr-9983	43	4	the	the	DET
cblr-9983	43	5	federal	federal	PROPN
cblr-9983	43	6	reserve	reserve	PROPN
cblr-9983	43	7	system	system	NOUN
cblr-9983	43	8	:	:	PUNCT
cblr-9983	43	9	purposes	purpose	NOUN
cblr-9983	43	10	and	and	CCONJ
cblr-9983	43	11	functions	function	NOUN
cblr-9983	43	12	74	74	NUM
cblr-9983	43	13	(	(	PUNCT
cblr-9983	43	14	10th	10th	ADJ
cblr-9983	43	15	ed	ed	NOUN
cblr-9983	43	16	.	.	PROPN
cblr-9983	43	17	2016	2016	NUM
cblr-9983	43	18	)	)	PUNCT
cblr-9983	43	19	.	.	PUNCT
cblr-9983	44	1	2	2	NUM
cblr-9983	44	2	see	see	VERB
cblr-9983	44	3	,	,	PUNCT
cblr-9983	44	4	e.g.	e.g.	ADV
cblr-9983	44	5	,	,	PUNCT
cblr-9983	44	6	29	29	NUM
cblr-9983	44	7	u.s.c	u.s.c	ADJ
cblr-9983	44	8	.	.	PUNCT
cblr-9983	45	1	§	§	PROPN
cblr-9983	45	2	657	657	NUM
cblr-9983	45	3	(	(	PUNCT
cblr-9983	45	4	2018	2018	NUM
cblr-9983	45	5	)	)	PUNCT
cblr-9983	45	6	(	(	PUNCT
cblr-9983	45	7	granting	grant	VERB
cblr-9983	45	8	the	the	DET
cblr-9983	45	9	secretary	secretary	PROPN
cblr-9983	45	10	of	of	ADP
cblr-9983	45	11	health	health	PROPN
cblr-9983	45	12	and	and	CCONJ
cblr-9983	45	13	human	human	ADJ
cblr-9983	45	14	services	service	NOUN
cblr-9983	45	15	the	the	DET
cblr-9983	45	16	power	power	NOUN
cblr-9983	45	17	to	to	PART
cblr-9983	45	18	“	"	PUNCT
cblr-9983	45	19	enter	enter	VERB
cblr-9983	45	20	,	,	PUNCT
cblr-9983	45	21	inspect	inspect	VERB
cblr-9983	45	22	,	,	PUNCT
cblr-9983	45	23	and	and	CCONJ
cblr-9983	45	24	investigate	investigate	VERB
cblr-9983	45	25	places	place	NOUN
cblr-9983	45	26	of	of	ADP
cblr-9983	45	27	employment	employment	NOUN
cblr-9983	45	28	”	"	PUNCT
cblr-9983	45	29	)	)	PUNCT
cblr-9983	45	30	.	.	PUNCT
cblr-9983	46	1	3	3	NUM
cblr-9983	46	2	12	12	NUM
cblr-9983	46	3	u.s.c	u.s.c	NOUN
cblr-9983	46	4	.	.	PUNCT
cblr-9983	47	1	§	§	PROPN
cblr-9983	47	2	1818(b)(1	1818(b)(1	NUM
cblr-9983	47	3	)	)	PUNCT
cblr-9983	47	4	(	(	PUNCT
cblr-9983	47	5	2018	2018	NUM
cblr-9983	47	6	)	)	PUNCT
cblr-9983	47	7	.	.	PUNCT
cblr-9983	48	1	4	4	NUM
cblr-9983	48	2	see	see	VERB
cblr-9983	48	3	off	off	ADP
cblr-9983	48	4	.	.	PUNCT
cblr-9983	49	1	of	of	ADP
cblr-9983	49	2	the	the	DET
cblr-9983	49	3	comptroller	comptroller	NOUN
cblr-9983	49	4	of	of	ADP
cblr-9983	49	5	the	the	DET
cblr-9983	49	6	currency	currency	NOUN
cblr-9983	49	7	,	,	PUNCT
cblr-9983	49	8	comptroller	comptroller	NOUN
cblr-9983	49	9	’s	’s	PART
cblr-9983	49	10	handbook	handbook	NOUN
cblr-9983	49	11	:	:	PUNCT
cblr-9983	49	12	bank	bank	NOUN
cblr-9983	49	13	supervision	supervision	NOUN
cblr-9983	49	14	process	process	NOUN
cblr-9983	49	15	7	7	NUM
cblr-9983	49	16	(	(	PUNCT
cblr-9983	49	17	2019	2019	NUM
cblr-9983	49	18	)	)	PUNCT
cblr-9983	49	19	.	.	PUNCT
cblr-9983	50	1	5	5	NUM
cblr-9983	50	2	see	see	VERB
cblr-9983	50	3	i	i	PRON
cblr-9983	50	4	d.	d.	PROPN
cblr-9983	50	5	at	at	ADP
cblr-9983	50	6	46	46	NUM
cblr-9983	50	7	.	.	PROPN
cblr-9983	50	8	6	6	NUM
cblr-9983	50	9	see	see	VERB
cblr-9983	50	10	i	i	PRON
cblr-9983	50	11	d.	d.	PROPN
cblr-9983	50	12	at	at	ADP
cblr-9983	50	13	40–45	40–45	PROPN
cblr-9983	50	14	.	.	PUNCT
cblr-9983	51	1	information	information	NOUN
cblr-9983	51	2	about	about	ADP
cblr-9983	51	3	how	how	SCONJ
cblr-9983	51	4	these	these	DET
cblr-9983	51	5	procedures	procedure	NOUN
cblr-9983	51	6	affect	affect	VERB
cblr-9983	51	7	bank	bank	NOUN
cblr-9983	51	8	behavior	behavior	NOUN
cblr-9983	51	9	is	be	AUX
cblr-9983	51	10	based	base	VERB
cblr-9983	51	11	on	on	ADP
cblr-9983	51	12	the	the	DET
cblr-9983	51	13	author	author	NOUN
cblr-9983	51	14	’s	’s	PART
cblr-9983	51	15	experience	experience	NOUN
cblr-9983	51	16	at	at	ADP
cblr-9983	51	17	the	the	DET
cblr-9983	51	18	federal	federal	PROPN
cblr-9983	51	19	reserve	reserve	PROPN
cblr-9983	51	20	.	.	PUNCT
cblr-9983	52	1	282	282	NUM
cblr-9983	52	2	columbia	columbia	PROPN
cblr-9983	52	3	business	business	NOUN
cblr-9983	52	4	law	law	PROPN
cblr-9983	52	5	review	review	NOUN
cblr-9983	52	6	[	[	X
cblr-9983	52	7	vol	vol	NOUN
cblr-9983	52	8	.	.	PUNCT
cblr-9983	53	1	2022	2022	NUM
cblr-9983	53	2	enforcement	enforcement	NOUN
cblr-9983	53	3	authority	authority	NOUN
cblr-9983	53	4	granted	grant	VERB
cblr-9983	53	5	to	to	ADP
cblr-9983	53	6	the	the	DET
cblr-9983	53	7	three	three	NUM
cblr-9983	53	8	federal	federal	ADJ
cblr-9983	53	9	reserve	reserve	PROPN
cblr-9983	53	10	banking	banking	NOUN
cblr-9983	53	11	agencies	agency	NOUN
cblr-9983	53	12	—	—	PUNCT
cblr-9983	53	13	the	the	DET
cblr-9983	53	14	federal	federal	PROPN
cblr-9983	53	15	reserve	reserve	PROPN
cblr-9983	53	16	,	,	PUNCT
cblr-9983	53	17	the	the	DET
cblr-9983	53	18	office	office	NOUN
cblr-9983	53	19	of	of	ADP
cblr-9983	53	20	the	the	DET
cblr-9983	53	21	comptroller	comptroller	NOUN
cblr-9983	53	22	of	of	ADP
cblr-9983	53	23	the	the	DET
cblr-9983	53	24	currency	currency	NOUN
cblr-9983	53	25	(	(	PUNCT
cblr-9983	53	26	occ	occ	NOUN
cblr-9983	53	27	)	)	PUNCT
cblr-9983	53	28	,	,	PUNCT
cblr-9983	53	29	and	and	CCONJ
cblr-9983	53	30	the	the	DET
cblr-9983	53	31	federal	federal	ADJ
cblr-9983	53	32	deposit	deposit	NOUN
cblr-9983	53	33	insurance	insurance	NOUN
cblr-9983	53	34	corporation	corporation	NOUN
cblr-9983	53	35	(	(	PUNCT
cblr-9983	53	36	fdic	fdic	PROPN
cblr-9983	53	37	)	)	PUNCT
cblr-9983	53	38	.	.	PUNCT
cblr-9983	54	1	but	but	CCONJ
cblr-9983	54	2	it	it	PRON
cblr-9983	54	3	also	also	ADV
cblr-9983	54	4	grounded	ground	VERB
cblr-9983	54	5	in	in	ADP
cblr-9983	54	6	two	two	NUM
cblr-9983	54	7	other	other	ADJ
cblr-9983	54	8	elements	element	NOUN
cblr-9983	54	9	of	of	ADP
cblr-9983	54	10	banking	banking	NOUN
cblr-9983	54	11	law	law	NOUN
cblr-9983	54	12	.	.	PUNCT
cblr-9983	55	1	one	one	NUM
cblr-9983	55	2	is	be	AUX
cblr-9983	55	3	the	the	DET
cblr-9983	55	4	statutory	statutory	ADJ
cblr-9983	55	5	requirement	requirement	NOUN
cblr-9983	55	6	for	for	ADP
cblr-9983	55	7	supervisory	supervisory	ADJ
cblr-9983	55	8	ratings	rating	NOUN
cblr-9983	55	9	of	of	ADP
cblr-9983	55	10	banks	bank	NOUN
cblr-9983	55	11	,	,	PUNCT
cblr-9983	55	12	which	which	PRON
cblr-9983	55	13	can	can	AUX
cblr-9983	55	14	affect	affect	VERB
cblr-9983	55	15	their	their	PRON
cblr-9983	55	16	rights	right	NOUN
cblr-9983	55	17	and	and	CCONJ
cblr-9983	55	18	obligations	obligation	NOUN
cblr-9983	55	19	.	.	PUNCT
cblr-9983	56	1	the	the	DET
cblr-9983	56	2	other	other	ADJ
cblr-9983	56	3	is	be	AUX
cblr-9983	56	4	the	the	DET
cblr-9983	56	5	wide	wide	ADJ
cblr-9983	56	6	range	range	NOUN
cblr-9983	56	7	of	of	ADP
cblr-9983	56	8	approvals	approval	NOUN
cblr-9983	56	9	required	require	VERB
cblr-9983	56	10	for	for	ADP
cblr-9983	56	11	various	various	ADJ
cblr-9983	56	12	bank	bank	NOUN
cblr-9983	56	13	activities	activity	NOUN
cblr-9983	56	14	.	.	PUNCT
cblr-9983	57	1	many	many	ADJ
cblr-9983	57	2	of	of	ADP
cblr-9983	57	3	these	these	DET
cblr-9983	57	4	approvals	approval	NOUN
cblr-9983	57	5	are	be	AUX
cblr-9983	57	6	decided	decide	VERB
cblr-9983	57	7	with	with	ADP
cblr-9983	57	8	reference	reference	NOUN
cblr-9983	57	9	to	to	ADP
cblr-9983	57	10	statutory	statutory	ADJ
cblr-9983	57	11	factors	factor	NOUN
cblr-9983	57	12	such	such	ADJ
cblr-9983	57	13	as	as	ADP
cblr-9983	57	14	the	the	DET
cblr-9983	57	15	banking	banking	NOUN
cblr-9983	57	16	organization	organization	NOUN
cblr-9983	57	17	’s	’s	PART
cblr-9983	57	18	overall	overall	ADJ
cblr-9983	57	19	condition	condition	NOUN
cblr-9983	57	20	or	or	CCONJ
cblr-9983	57	21	managerial	managerial	ADJ
cblr-9983	57	22	capabilities	capability	NOUN
cblr-9983	57	23	.	.	PUNCT
cblr-9983	58	1	banking	banking	NOUN
cblr-9983	58	2	agency	agency	NOUN
cblr-9983	58	3	evaluation	evaluation	NOUN
cblr-9983	58	4	of	of	ADP
cblr-9983	58	5	such	such	ADJ
cblr-9983	58	6	factors	factor	NOUN
cblr-9983	58	7	derives	derive	VERB
cblr-9983	58	8	substantially	substantially	ADV
cblr-9983	58	9	from	from	ADP
cblr-9983	58	10	supervisory	supervisory	ADJ
cblr-9983	58	11	experience	experience	NOUN
cblr-9983	58	12	with	with	ADP
cblr-9983	58	13	the	the	DET
cblr-9983	58	14	applying	apply	VERB
cblr-9983	58	15	bank	bank	NOUN
cblr-9983	58	16	.	.	PUNCT
cblr-9983	59	1	these	these	DET
cblr-9983	59	2	characteristics	characteristic	NOUN
cblr-9983	59	3	of	of	ADP
cblr-9983	59	4	bank	bank	NOUN
cblr-9983	59	5	supervision	supervision	NOUN
cblr-9983	59	6	are	be	AUX
cblr-9983	59	7	by	by	ADP
cblr-9983	59	8	no	no	DET
cblr-9983	59	9	means	means	NOUN
cblr-9983	59	10	new	new	ADJ
cblr-9983	59	11	.	.	PUNCT
cblr-9983	60	1	but	but	CCONJ
cblr-9983	60	2	as	as	SCONJ
cblr-9983	60	3	supervision	supervision	NOUN
cblr-9983	60	4	became	become	VERB
cblr-9983	60	5	more	more	ADV
cblr-9983	60	6	rigorous	rigorous	ADJ
cblr-9983	60	7	in	in	ADP
cblr-9983	60	8	the	the	DET
cblr-9983	60	9	period	period	NOUN
cblr-9983	60	10	following	follow	VERB
cblr-9983	60	11	the	the	DET
cblr-9983	60	12	global	global	ADJ
cblr-9983	60	13	financial	financial	ADJ
cblr-9983	60	14	crisis	crisis	NOUN
cblr-9983	60	15	of	of	ADP
cblr-9983	60	16	2007	2007	NUM
cblr-9983	60	17	-	-	SYM
cblr-9983	60	18	2009	2009	NUM
cblr-9983	60	19	(	(	PUNCT
cblr-9983	60	20	“	"	PUNCT
cblr-9983	60	21	financial	financial	ADJ
cblr-9983	60	22	crisis	crisis	NOUN
cblr-9983	60	23	”	"	PUNCT
cblr-9983	60	24	or	or	CCONJ
cblr-9983	60	25	“	"	PUNCT
cblr-9983	60	26	crisis	crisis	NOUN
cblr-9983	60	27	”	"	PUNCT
cblr-9983	60	28	)	)	PUNCT
cblr-9983	60	29	,	,	PUNCT
cblr-9983	60	30	commentators	commentator	NOUN
cblr-9983	60	31	associated	associate	VERB
cblr-9983	60	32	with	with	ADP
cblr-9983	60	33	,	,	PUNCT
cblr-9983	60	34	or	or	CCONJ
cblr-9983	60	35	sympathetic	sympathetic	ADJ
cblr-9983	60	36	to	to	ADP
cblr-9983	60	37	,	,	PUNCT
cblr-9983	60	38	the	the	DET
cblr-9983	60	39	banking	banking	NOUN
cblr-9983	60	40	industry	industry	NOUN
cblr-9983	60	41	have	have	AUX
cblr-9983	60	42	argued	argue	VERB
cblr-9983	60	43	that	that	SCONJ
cblr-9983	60	44	there	there	PRON
cblr-9983	60	45	are	be	VERB
cblr-9983	60	46	important	important	ADJ
cblr-9983	60	47	administrative	administrative	ADJ
cblr-9983	60	48	law	law	NOUN
cblr-9983	60	49	deficiencies	deficiency	NOUN
cblr-9983	60	50	in	in	ADP
cblr-9983	60	51	supervision	supervision	NOUN
cblr-9983	60	52	.	.	PUNCT
cblr-9983	61	1	some	some	PRON
cblr-9983	61	2	have	have	AUX
cblr-9983	61	3	argued	argue	VERB
cblr-9983	61	4	that	that	SCONJ
cblr-9983	61	5	the	the	DET
cblr-9983	61	6	notice	notice	NOUN
cblr-9983	61	7	-	-	PUNCT
cblr-9983	61	8	and	and	CCONJ
cblr-9983	61	9	-	-	PUNCT
cblr-9983	61	10	comment	comment	NOUN
cblr-9983	61	11	requirements	requirement	NOUN
cblr-9983	61	12	of	of	ADP
cblr-9983	61	13	the	the	DET
cblr-9983	61	14	administrative	administrative	ADJ
cblr-9983	61	15	procedure	procedure	NOUN
cblr-9983	61	16	act	act	NOUN
cblr-9983	61	17	(	(	PUNCT
cblr-9983	61	18	apa)7	apa)7	PROPN
cblr-9983	61	19	should	should	AUX
cblr-9983	61	20	apply	apply	VERB
cblr-9983	61	21	to	to	ADP
cblr-9983	61	22	key	key	ADJ
cblr-9983	61	23	supervisory	supervisory	ADJ
cblr-9983	61	24	actions	action	NOUN
cblr-9983	61	25	such	such	ADJ
cblr-9983	61	26	as	as	ADP
cblr-9983	61	27	scenario	scenario	NOUN
cblr-9983	61	28	design	design	NOUN
cblr-9983	61	29	for	for	ADP
cblr-9983	61	30	supervisory	supervisory	ADJ
cblr-9983	61	31	stress	stress	NOUN
cblr-9983	61	32	tests	test	NOUN
cblr-9983	61	33	of	of	ADP
cblr-9983	61	34	banks	bank	NOUN
cblr-9983	61	35	’	'	PUNCT
cblr-9983	61	36	capital	capital	NOUN
cblr-9983	61	37	adequacy.8	adequacy.8	PROPN
cblr-9983	61	38	others	other	NOUN
cblr-9983	61	39	have	have	AUX
cblr-9983	61	40	complained	complain	VERB
cblr-9983	61	41	that	that	SCONJ
cblr-9983	61	42	the	the	DET
cblr-9983	61	43	proliferation	proliferation	NOUN
cblr-9983	61	44	of	of	ADP
cblr-9983	61	45	informal	informal	ADJ
cblr-9983	61	46	supervisory	supervisory	ADJ
cblr-9983	61	47	directions	direction	NOUN
cblr-9983	61	48	is	be	AUX
cblr-9983	61	49	untethered	untethere	VERB
cblr-9983	61	50	from	from	ADP
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cblr-9983	61	53	and	and	CCONJ
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cblr-9983	61	56	is	be	VERB
cblr-9983	61	57	excessive	excessive	ADJ
cblr-9983	61	58	secrecy	secrecy	NOUN
cblr-9983	61	59	around	around	ADP
cblr-9983	61	60	the	the	DET
cblr-9983	61	61	decisions	decision	NOUN
cblr-9983	61	62	taken	take	VERB
cblr-9983	61	63	by	by	ADP
cblr-9983	61	64	banking	banking	NOUN
cblr-9983	61	65	agencies	agency	NOUN
cblr-9983	61	66	on	on	ADP
cblr-9983	61	67	a	a	DET
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cblr-9983	61	69	of	of	ADP
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cblr-9983	61	71	longstanding	longstanding	ADJ
cblr-9983	61	72	advocacy	advocacy	NOUN
cblr-9983	61	73	by	by	ADP
cblr-9983	61	74	smaller	small	ADJ
cblr-9983	61	75	banks	bank	NOUN
cblr-9983	61	76	for	for	ADP
cblr-9983	61	77	judicial	judicial	ADJ
cblr-9983	61	78	or	or	CCONJ
cblr-9983	61	79	other	other	ADJ
cblr-9983	61	80	independent	independent	ADJ
cblr-9983	61	81	7	7	NUM
cblr-9983	61	82	5	5	NUM
cblr-9983	61	83	u.s.c	u.s.c	NOUN
cblr-9983	61	84	.	.	PUNCT
cblr-9983	62	1	§	§	PROPN
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cblr-9983	62	4	(	(	PUNCT
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cblr-9983	62	7	.	.	PUNCT
cblr-9983	63	1	8	8	NUM
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cblr-9983	63	4	.	.	PUNCT
cblr-9983	64	1	on	on	ADP
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cblr-9983	64	3	.	.	PUNCT
cblr-9983	65	1	mkts	mkts	NOUN
cblr-9983	65	2	.	.	PUNCT
cblr-9983	66	1	regul	regul	NOUN
cblr-9983	66	2	.	.	PUNCT
cblr-9983	67	1	,	,	PUNCT
cblr-9983	67	2	the	the	DET
cblr-9983	67	3	administrative	administrative	ADJ
cblr-9983	67	4	procedure	procedure	NOUN
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cblr-9983	67	9	stress	stress	NOUN
cblr-9983	67	10	tests	test	NOUN
cblr-9983	67	11	(	(	PUNCT
cblr-9983	67	12	2016	2016	NUM
cblr-9983	67	13	)	)	PUNCT
cblr-9983	67	14	,	,	PUNCT
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cblr-9983	68	1	[	[	X
cblr-9983	68	2	https://perma.cc/8xf8-t4wh	https://perma.cc/8xf8-t4wh	X
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cblr-9983	68	4	[	[	X
cblr-9983	68	5	hereinafter	hereinafter	NOUN
cblr-9983	68	6	“	"	PUNCT
cblr-9983	68	7	ccmr	ccmr	NOUN
cblr-9983	68	8	paper	paper	NOUN
cblr-9983	68	9	”	"	PUNCT
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cblr-9983	68	11	.	.	PUNCT
cblr-9983	69	1	9	9	NUM
cblr-9983	69	2	see	see	VERB
cblr-9983	69	3	guidance	guidance	NOUN
cblr-9983	69	4	,	,	PUNCT
cblr-9983	69	5	supervisory	supervisory	ADJ
cblr-9983	69	6	expectations	expectation	NOUN
cblr-9983	69	7	,	,	PUNCT
cblr-9983	69	8	and	and	CCONJ
cblr-9983	69	9	the	the	DET
cblr-9983	69	10	rule	rule	NOUN
cblr-9983	69	11	of	of	ADP
cblr-9983	69	12	law	law	NOUN
cblr-9983	69	13	:	:	PUNCT
cblr-9983	69	14	how	how	SCONJ
cblr-9983	69	15	do	do	AUX
cblr-9983	69	16	the	the	DET
cblr-9983	69	17	banking	banking	NOUN
cblr-9983	69	18	agencies	agency	NOUN
cblr-9983	69	19	regulate	regulate	VERB
cblr-9983	69	20	and	and	CCONJ
cblr-9983	69	21	supervise	supervise	VERB
cblr-9983	69	22	institutions	institution	NOUN
cblr-9983	69	23	?	?	PUNCT
cblr-9983	69	24	:	:	PUNCT
cblr-9983	70	1	hearing	hear	VERB
cblr-9983	70	2	before	before	ADP
cblr-9983	70	3	the	the	DET
cblr-9983	70	4	s.	s.	PROPN
cblr-9983	70	5	comm	comm	NOUN
cblr-9983	70	6	.	.	PUNCT
cblr-9983	71	1	on	on	ADP
cblr-9983	71	2	banking	banking	NOUN
cblr-9983	71	3	,	,	PUNCT
cblr-9983	71	4	hous	hous	ADJ
cblr-9983	71	5	.	.	PUNCT
cblr-9983	71	6	,	,	PUNCT
cblr-9983	71	7	&	&	CCONJ
cblr-9983	71	8	urban	urban	PROPN
cblr-9983	71	9	aff	aff	PROPN
cblr-9983	71	10	.	.	PROPN
cblr-9983	71	11	,	,	PUNCT
cblr-9983	71	12	116th	116th	PROPN
cblr-9983	71	13	cong	cong	NOUN
cblr-9983	71	14	.	.	PUNCT
cblr-9983	72	1	42	42	NUM
cblr-9983	72	2	(	(	PUNCT
cblr-9983	72	3	2019	2019	NUM
cblr-9983	72	4	)	)	PUNCT
cblr-9983	73	1	[	[	X
cblr-9983	73	2	hereinafter	hereinafter	NOUN
cblr-9983	73	3	tahyar	tahyar	NOUN
cblr-9983	73	4	testimony	testimony	NOUN
cblr-9983	73	5	]	]	PUNCT
cblr-9983	73	6	(	(	PUNCT
cblr-9983	73	7	statement	statement	NOUN
cblr-9983	73	8	of	of	ADP
cblr-9983	73	9	margaret	margaret	PROPN
cblr-9983	73	10	e.	e.	PROPN
cblr-9983	73	11	tahyar	tahyar	PROPN
cblr-9983	73	12	,	,	PUNCT
cblr-9983	73	13	partner	partner	NOUN
cblr-9983	73	14	,	,	PUNCT
cblr-9983	73	15	davis	davis	PROPN
cblr-9983	73	16	,	,	PUNCT
cblr-9983	73	17	polk	polk	PROPN
cblr-9983	73	18	&	&	CCONJ
cblr-9983	73	19	wardwel	wardwel	PROPN
cblr-9983	73	20	llp	llp	PROPN
cblr-9983	73	21	)	)	PUNCT
cblr-9983	73	22	.	.	PUNCT
cblr-9983	74	1	no	no	INTJ
cblr-9983	74	2	.	.	PUNCT
cblr-9983	75	1	1:279	1:279	NOUN
cblr-9983	75	2	]	]	X
cblr-9983	75	3	bank	bank	NOUN
cblr-9983	75	4	supervision	supervision	NOUN
cblr-9983	75	5	and	and	CCONJ
cblr-9983	75	6	administrative	administrative	ADJ
cblr-9983	75	7	law	law	NOUN
cblr-9983	75	8	283	283	NUM
cblr-9983	75	9	review	review	NOUN
cblr-9983	75	10	of	of	ADP
cblr-9983	75	11	the	the	DET
cblr-9983	75	12	safety	safety	NOUN
cblr-9983	75	13	and	and	CCONJ
cblr-9983	75	14	soundness	soundness	NOUN
cblr-9983	75	15	ratings	rating	NOUN
cblr-9983	75	16	assigned	assign	VERB
cblr-9983	75	17	by	by	ADP
cblr-9983	75	18	supervisors	supervisor	NOUN
cblr-9983	75	19	was	be	AUX
cblr-9983	75	20	renewed	renew	VERB
cblr-9983	75	21	as	as	SCONJ
cblr-9983	75	22	supervisory	supervisory	ADJ
cblr-9983	75	23	bank	bank	NOUN
cblr-9983	75	24	ratings	rating	NOUN
cblr-9983	75	25	were	be	AUX
cblr-9983	75	26	downgraded	downgrade	VERB
cblr-9983	75	27	during	during	ADP
cblr-9983	75	28	and	and	CCONJ
cblr-9983	75	29	after	after	ADP
cblr-9983	75	30	the	the	DET
cblr-9983	75	31	crisis.10	crisis.10	NOUN
cblr-9983	75	32	to	to	ADP
cblr-9983	75	33	date	date	NOUN
cblr-9983	75	34	there	there	PRON
cblr-9983	75	35	have	have	AUX
cblr-9983	75	36	not	not	PART
cblr-9983	75	37	been	be	AUX
cblr-9983	75	38	many	many	ADJ
cblr-9983	75	39	judicial	judicial	ADJ
cblr-9983	75	40	cases	case	NOUN
cblr-9983	75	41	involving	involve	VERB
cblr-9983	75	42	supervisory	supervisory	ADJ
cblr-9983	75	43	actions	action	NOUN
cblr-9983	75	44	.	.	PUNCT
cblr-9983	76	1	but	but	CCONJ
cblr-9983	76	2	a	a	DET
cblr-9983	76	3	legal	legal	ADJ
cblr-9983	76	4	challenge	challenge	NOUN
cblr-9983	76	5	to	to	ADP
cblr-9983	76	6	certain	certain	ADJ
cblr-9983	76	7	supervisory	supervisory	ADJ
cblr-9983	76	8	actions	action	NOUN
cblr-9983	76	9	,	,	PUNCT
cblr-9983	76	10	which	which	PRON
cblr-9983	76	11	was	be	AUX
cblr-9983	76	12	said	say	VERB
cblr-9983	76	13	to	to	PART
cblr-9983	76	14	be	be	AUX
cblr-9983	76	15	under	under	ADP
cblr-9983	76	16	consideration	consideration	NOUN
cblr-9983	76	17	by	by	ADP
cblr-9983	76	18	some	some	DET
cblr-9983	76	19	banks	bank	NOUN
cblr-9983	76	20	prior	prior	ADV
cblr-9983	76	21	to	to	ADP
cblr-9983	76	22	the	the	DET
cblr-9983	76	23	change	change	NOUN
cblr-9983	76	24	in	in	ADP
cblr-9983	76	25	leadership	leadership	NOUN
cblr-9983	76	26	at	at	ADP
cblr-9983	76	27	the	the	DET
cblr-9983	76	28	banking	banking	NOUN
cblr-9983	76	29	agencies	agency	NOUN
cblr-9983	76	30	following	follow	VERB
cblr-9983	76	31	president	president	PROPN
cblr-9983	76	32	donald	donald	PROPN
cblr-9983	76	33	j.	j.	PROPN
cblr-9983	76	34	trump	trump	PROPN
cblr-9983	76	35	’s	’s	PART
cblr-9983	76	36	election	election	NOUN
cblr-9983	76	37	,	,	PUNCT
cblr-9983	76	38	could	could	AUX
cblr-9983	76	39	follow	follow	VERB
cblr-9983	76	40	a	a	DET
cblr-9983	76	41	return	return	NOUN
cblr-9983	76	42	to	to	ADP
cblr-9983	76	43	more	more	ADV
cblr-9983	76	44	rigorous	rigorous	ADJ
cblr-9983	76	45	policies	policy	NOUN
cblr-9983	76	46	by	by	ADP
cblr-9983	76	47	president	president	PROPN
cblr-9983	76	48	joseph	joseph	PROPN
cblr-9983	76	49	r.	r.	PROPN
cblr-9983	76	50	biden	biden	PROPN
cblr-9983	76	51	’s	’s	PART
cblr-9983	76	52	appointees	appointee	NOUN
cblr-9983	76	53	.	.	PUNCT
cblr-9983	77	1	in	in	ADP
cblr-9983	77	2	this	this	DET
cblr-9983	77	3	article	article	NOUN
cblr-9983	77	4	,	,	PUNCT
cblr-9983	77	5	i	i	PRON
cblr-9983	77	6	use	use	VERB
cblr-9983	77	7	the	the	DET
cblr-9983	77	8	prospect	prospect	NOUN
cblr-9983	77	9	of	of	ADP
cblr-9983	77	10	these	these	DET
cblr-9983	77	11	challenges	challenge	NOUN
cblr-9983	77	12	as	as	ADP
cblr-9983	77	13	an	an	DET
cblr-9983	77	14	entry	entry	NOUN
cblr-9983	77	15	point	point	NOUN
cblr-9983	77	16	for	for	ADP
cblr-9983	77	17	considering	consider	VERB
cblr-9983	77	18	how	how	SCONJ
cblr-9983	77	19	administrative	administrative	ADJ
cblr-9983	77	20	law	law	NOUN
cblr-9983	77	21	does	do	VERB
cblr-9983	77	22	,	,	PUNCT
cblr-9983	77	23	and	and	CCONJ
cblr-9983	77	24	should	should	AUX
cblr-9983	77	25	,	,	PUNCT
cblr-9983	77	26	apply	apply	VERB
cblr-9983	77	27	to	to	ADP
cblr-9983	77	28	the	the	DET
cblr-9983	77	29	supervisory	supervisory	ADJ
cblr-9983	77	30	function	function	NOUN
cblr-9983	77	31	.	.	PUNCT
cblr-9983	78	1	i	i	PRON
cblr-9983	78	2	draw	draw	VERB
cblr-9983	78	3	three	three	NUM
cblr-9983	78	4	conclusions	conclusion	NOUN
cblr-9983	78	5	from	from	ADP
cblr-9983	78	6	this	this	DET
cblr-9983	78	7	analysis	analysis	NOUN
cblr-9983	78	8	.	.	PUNCT
cblr-9983	79	1	first	first	ADV
cblr-9983	79	2	,	,	PUNCT
cblr-9983	79	3	while	while	SCONJ
cblr-9983	79	4	there	there	PRON
cblr-9983	79	5	are	be	VERB
cblr-9983	79	6	good	good	ADJ
cblr-9983	79	7	arguments	argument	NOUN
cblr-9983	79	8	that	that	PRON
cblr-9983	79	9	core	core	VERB
cblr-9983	79	10	supervisory	supervisory	ADJ
cblr-9983	79	11	actions	action	NOUN
cblr-9983	79	12	pass	pass	VERB
cblr-9983	79	13	muster	muster	NOUN
cblr-9983	79	14	under	under	ADP
cblr-9983	79	15	conventional	conventional	ADJ
cblr-9983	79	16	readings	reading	NOUN
cblr-9983	79	17	of	of	ADP
cblr-9983	79	18	current	current	ADJ
cblr-9983	79	19	administrative	administrative	ADJ
cblr-9983	79	20	law	law	NOUN
cblr-9983	79	21	,	,	PUNCT
cblr-9983	79	22	it	it	PRON
cblr-9983	79	23	is	be	AUX
cblr-9983	79	24	not	not	PART
cblr-9983	79	25	entirely	entirely	ADV
cblr-9983	79	26	clear	clear	ADJ
cblr-9983	79	27	how	how	SCONJ
cblr-9983	79	28	some	some	DET
cblr-9983	79	29	practices	practice	NOUN
cblr-9983	79	30	would	would	AUX
cblr-9983	79	31	fare	fare	VERB
cblr-9983	79	32	in	in	ADP
cblr-9983	79	33	a	a	DET
cblr-9983	79	34	court	court	NOUN
cblr-9983	79	35	challenge	challenge	NOUN
cblr-9983	79	36	.	.	PUNCT
cblr-9983	80	1	in	in	ADP
cblr-9983	80	2	particular	particular	ADJ
cblr-9983	80	3	,	,	PUNCT
cblr-9983	80	4	aggressive	aggressive	ADJ
cblr-9983	80	5	judicial	judicial	ADJ
cblr-9983	80	6	expansion	expansion	NOUN
cblr-9983	80	7	of	of	ADP
cblr-9983	80	8	the	the	DET
cblr-9983	80	9	“	"	PUNCT
cblr-9983	80	10	practically	practically	ADV
cblr-9983	80	11	binding	binding	ADJ
cblr-9983	80	12	”	"	PUNCT
cblr-9983	80	13	test	test	NOUN
cblr-9983	80	14	for	for	ADP
cblr-9983	80	15	determining	determine	VERB
cblr-9983	80	16	whether	whether	SCONJ
cblr-9983	80	17	an	an	DET
cblr-9983	80	18	agency	agency	NOUN
cblr-9983	80	19	policy	policy	NOUN
cblr-9983	80	20	must	must	AUX
cblr-9983	80	21	be	be	AUX
cblr-9983	80	22	channeled	channel	VERB
cblr-9983	80	23	through	through	ADP
cblr-9983	80	24	notice	notice	NOUN
cblr-9983	80	25	-	-	PUNCT
cblr-9983	80	26	and	and	CCONJ
cblr-9983	80	27	-	-	PUNCT
cblr-9983	80	28	comment	comment	NOUN
cblr-9983	80	29	rulemaking	rulemaking	NOUN
cblr-9983	80	30	could	could	AUX
cblr-9983	80	31	strike	strike	VERB
cblr-9983	80	32	at	at	ADP
cblr-9983	80	33	the	the	DET
cblr-9983	80	34	core	core	NOUN
cblr-9983	80	35	of	of	ADP
cblr-9983	80	36	the	the	DET
cblr-9983	80	37	supervisory	supervisory	ADJ
cblr-9983	80	38	relationship	relationship	NOUN
cblr-9983	80	39	—	—	PUNCT
cblr-9983	80	40	the	the	DET
cblr-9983	80	41	use	use	NOUN
cblr-9983	80	42	of	of	ADP
cblr-9983	80	43	guidance	guidance	NOUN
cblr-9983	80	44	and	and	CCONJ
cblr-9983	80	45	other	other	ADJ
cblr-9983	80	46	forms	form	NOUN
cblr-9983	80	47	of	of	ADP
cblr-9983	80	48	supervisory	supervisory	ADJ
cblr-9983	80	49	communication	communication	NOUN
cblr-9983	80	50	to	to	PART
cblr-9983	80	51	affect	affect	VERB
cblr-9983	80	52	bank	bank	NOUN
cblr-9983	80	53	behavior	behavior	NOUN
cblr-9983	80	54	in	in	ADP
cblr-9983	80	55	ways	way	NOUN
cblr-9983	80	56	that	that	PRON
cblr-9983	80	57	pull	pull	VERB
cblr-9983	80	58	up	up	ADP
cblr-9983	80	59	short	short	ADV
cblr-9983	80	60	of	of	ADP
cblr-9983	80	61	legal	legal	ADJ
cblr-9983	80	62	compulsion	compulsion	NOUN
cblr-9983	80	63	.	.	PUNCT
cblr-9983	81	1	the	the	DET
cblr-9983	81	2	uncertainty	uncertainty	NOUN
cblr-9983	81	3	is	be	AUX
cblr-9983	81	4	due	due	ADJ
cblr-9983	81	5	in	in	ADP
cblr-9983	81	6	part	part	NOUN
cblr-9983	81	7	to	to	ADP
cblr-9983	81	8	the	the	DET
cblr-9983	81	9	relative	relative	ADJ
cblr-9983	81	10	paucity	paucity	NOUN
cblr-9983	81	11	of	of	ADP
cblr-9983	81	12	court	court	NOUN
cblr-9983	81	13	cases	case	NOUN
cblr-9983	81	14	dealing	deal	VERB
cblr-9983	81	15	with	with	ADP
cblr-9983	81	16	supervision	supervision	NOUN
cblr-9983	81	17	.	.	PUNCT
cblr-9983	82	1	but	but	CCONJ
cblr-9983	82	2	it	it	PRON
cblr-9983	82	3	also	also	ADV
cblr-9983	82	4	arises	arise	VERB
cblr-9983	82	5	in	in	ADP
cblr-9983	82	6	part	part	NOUN
cblr-9983	82	7	from	from	ADP
cblr-9983	82	8	the	the	DET
cblr-9983	82	9	heavily	heavily	ADV
cblr-9983	82	10	trans	trans	ADJ
cblr-9983	82	11	-	-	ADJ
cblr-9983	82	12	substantive	substantive	ADJ
cblr-9983	82	13	slant	slant	NOUN
cblr-9983	82	14	of	of	ADP
cblr-9983	82	15	much	much	ADJ
cblr-9983	82	16	contemporary	contemporary	ADJ
cblr-9983	82	17	administrative	administrative	ADJ
cblr-9983	82	18	law	law	NOUN
cblr-9983	82	19	.	.	PUNCT
cblr-9983	83	1	doctrines	doctrine	NOUN
cblr-9983	83	2	developed	develop	VERB
cblr-9983	83	3	in	in	ADP
cblr-9983	83	4	one	one	NUM
cblr-9983	83	5	regulatory	regulatory	ADJ
cblr-9983	83	6	10	10	NUM
cblr-9983	83	7	there	there	PRON
cblr-9983	83	8	is	be	VERB
cblr-9983	83	9	some	some	DET
cblr-9983	83	10	irony	irony	NOUN
cblr-9983	83	11	in	in	ADP
cblr-9983	83	12	this	this	DET
cblr-9983	83	13	upsurge	upsurge	NOUN
cblr-9983	83	14	of	of	ADP
cblr-9983	83	15	complaints	complaint	NOUN
cblr-9983	83	16	from	from	ADP
cblr-9983	83	17	banks	bank	NOUN
cblr-9983	83	18	and	and	CCONJ
cblr-9983	83	19	their	their	PRON
cblr-9983	83	20	supporters	supporter	NOUN
cblr-9983	83	21	about	about	ADP
cblr-9983	83	22	excessive	excessive	ADJ
cblr-9983	83	23	or	or	CCONJ
cblr-9983	83	24	arbitrary	arbitrary	ADJ
cblr-9983	83	25	supervision	supervision	NOUN
cblr-9983	83	26	,	,	PUNCT
cblr-9983	83	27	insofar	insofar	ADV
cblr-9983	83	28	as	as	ADP
cblr-9983	83	29	a	a	DET
cblr-9983	83	30	recurring	recur	VERB
cblr-9983	83	31	academic	academic	ADJ
cblr-9983	83	32	narrative	narrative	NOUN
cblr-9983	83	33	is	be	AUX
cblr-9983	83	34	that	that	SCONJ
cblr-9983	83	35	bank	bank	NOUN
cblr-9983	83	36	supervisors	supervisor	NOUN
cblr-9983	83	37	are	be	AUX
cblr-9983	83	38	regularly	regularly	ADV
cblr-9983	83	39	captured	capture	VERB
cblr-9983	83	40	by	by	ADP
cblr-9983	83	41	the	the	DET
cblr-9983	83	42	banks	bank	NOUN
cblr-9983	83	43	they	they	PRON
cblr-9983	83	44	supervise	supervise	VERB
cblr-9983	83	45	.	.	PUNCT
cblr-9983	84	1	see	see	VERB
cblr-9983	84	2	infra	infra	NOUN
cblr-9983	84	3	notes	note	VERB
cblr-9983	84	4	193–196	193–196	NUM
cblr-9983	84	5	and	and	CCONJ
cblr-9983	84	6	accompanying	accompany	VERB
cblr-9983	84	7	text	text	NOUN
cblr-9983	84	8	.	.	PUNCT
cblr-9983	85	1	a	a	DET
cblr-9983	85	2	good	good	ADJ
cblr-9983	85	3	example	example	NOUN
cblr-9983	85	4	may	may	AUX
cblr-9983	85	5	be	be	AUX
cblr-9983	85	6	found	find	VERB
cblr-9983	85	7	in	in	ADP
cblr-9983	85	8	many	many	ADJ
cblr-9983	85	9	of	of	ADP
cblr-9983	85	10	ed	ed	PROPN
cblr-9983	85	11	kane	kane	PROPN
cblr-9983	85	12	’s	’s	PART
cblr-9983	85	13	papers	paper	NOUN
cblr-9983	85	14	.	.	PUNCT
cblr-9983	86	1	see	see	VERB
cblr-9983	86	2	,	,	PUNCT
cblr-9983	86	3	e.g.	e.g.	ADV
cblr-9983	86	4	,	,	PUNCT
cblr-9983	86	5	edward	edward	PROPN
cblr-9983	86	6	j.	j.	PROPN
cblr-9983	86	7	kane	kane	PROPN
cblr-9983	86	8	,	,	PUNCT
cblr-9983	86	9	changing	change	VERB
cblr-9983	86	10	incentives	incentive	NOUN
cblr-9983	86	11	facing	face	VERB
cblr-9983	86	12	financial	financial	ADJ
cblr-9983	86	13	services	service	NOUN
cblr-9983	86	14	regulators	regulator	NOUN
cblr-9983	86	15	,	,	PUNCT
cblr-9983	86	16	2	2	NUM
cblr-9983	86	17	j.	j.	PROPN
cblr-9983	86	18	fin	fin	PROPN
cblr-9983	86	19	.	.	PUNCT
cblr-9983	87	1	servs	servs	PROPN
cblr-9983	87	2	.	.	PUNCT
cblr-9983	88	1	rsch	rsch	NOUN
cblr-9983	88	2	.	.	PUNCT
cblr-9983	89	1	265	265	NUM
cblr-9983	89	2	(	(	PUNCT
cblr-9983	89	3	1989	1989	NUM
cblr-9983	89	4	)	)	PUNCT
cblr-9983	89	5	.	.	PUNCT
cblr-9983	90	1	for	for	ADP
cblr-9983	90	2	a	a	DET
cblr-9983	90	3	review	review	NOUN
cblr-9983	90	4	of	of	ADP
cblr-9983	90	5	criticisms	criticism	NOUN
cblr-9983	90	6	and	and	CCONJ
cblr-9983	90	7	ideas	idea	NOUN
cblr-9983	90	8	for	for	ADP
cblr-9983	90	9	mitigating	mitigate	VERB
cblr-9983	90	10	capture	capture	NOUN
cblr-9983	90	11	,	,	PUNCT
cblr-9983	90	12	see	see	VERB
cblr-9983	90	13	lawrence	lawrence	PROPN
cblr-9983	90	14	g.	g.	PROPN
cblr-9983	90	15	baxter	baxter	PROPN
cblr-9983	90	16	,	,	PUNCT
cblr-9983	90	17	essay	essay	VERB
cblr-9983	90	18	,	,	PUNCT
cblr-9983	90	19	capture	capture	VERB
cblr-9983	90	20	in	in	ADP
cblr-9983	90	21	financial	financial	ADJ
cblr-9983	90	22	regulation	regulation	NOUN
cblr-9983	90	23	:	:	PUNCT
cblr-9983	90	24	can	can	AUX
cblr-9983	90	25	we	we	PRON
cblr-9983	90	26	channel	channel	VERB
cblr-9983	90	27	it	it	PRON
cblr-9983	90	28	towards	towards	ADP
cblr-9983	90	29	the	the	DET
cblr-9983	90	30	common	common	ADJ
cblr-9983	90	31	good	good	NOUN
cblr-9983	90	32	?	?	PUNCT
cblr-9983	90	33	,	,	PUNCT
cblr-9983	90	34	21	21	NUM
cblr-9983	90	35	cornell	cornell	PROPN
cblr-9983	90	36	j.	j.	PROPN
cblr-9983	90	37	l.	l.	PROPN
cblr-9983	90	38	&	&	CCONJ
cblr-9983	90	39	pub	pub	PROPN
cblr-9983	90	40	.	.	PUNCT
cblr-9983	91	1	pol’y	pol’y	NOUN
cblr-9983	91	2	175	175	NUM
cblr-9983	91	3	(	(	PUNCT
cblr-9983	91	4	2011	2011	NUM
cblr-9983	91	5	)	)	PUNCT
cblr-9983	91	6	.	.	PUNCT
cblr-9983	92	1	the	the	DET
cblr-9983	92	2	financial	financial	ADJ
cblr-9983	92	3	crisis	crisis	NOUN
cblr-9983	92	4	reinforced	reinforce	VERB
cblr-9983	92	5	this	this	DET
cblr-9983	92	6	narrative	narrative	NOUN
cblr-9983	92	7	,	,	PUNCT
cblr-9983	92	8	which	which	PRON
cblr-9983	92	9	was	be	AUX
cblr-9983	92	10	featured	feature	VERB
cblr-9983	92	11	prominently	prominently	ADV
cblr-9983	92	12	in	in	ADP
cblr-9983	92	13	congressional	congressional	ADJ
cblr-9983	92	14	hearings	hearing	NOUN
cblr-9983	92	15	and	and	CCONJ
cblr-9983	92	16	media	medium	NOUN
cblr-9983	92	17	reporting	reporting	NOUN
cblr-9983	92	18	.	.	PUNCT
cblr-9983	93	1	284	284	NUM
cblr-9983	93	2	columbia	columbia	PROPN
cblr-9983	93	3	business	business	NOUN
cblr-9983	93	4	law	law	PROPN
cblr-9983	93	5	review	review	NOUN
cblr-9983	93	6	[	[	X
cblr-9983	93	7	vol	vol	NOUN
cblr-9983	93	8	.	.	PUNCT
cblr-9983	94	1	2022	2022	NUM
cblr-9983	94	2	context	context	NOUN
cblr-9983	94	3	may	may	AUX
cblr-9983	94	4	be	be	AUX
cblr-9983	94	5	applied	apply	VERB
cblr-9983	94	6	in	in	ADP
cblr-9983	94	7	others	other	NOUN
cblr-9983	94	8	without	without	ADP
cblr-9983	94	9	considering	consider	VERB
cblr-9983	94	10	the	the	DET
cblr-9983	94	11	sometimes	sometimes	ADV
cblr-9983	94	12	substantial	substantial	ADJ
cblr-9983	94	13	variation	variation	NOUN
cblr-9983	94	14	in	in	ADP
cblr-9983	94	15	statutory	statutory	ADJ
cblr-9983	94	16	mandates	mandate	NOUN
cblr-9983	94	17	and	and	CCONJ
cblr-9983	94	18	organizational	organizational	ADJ
cblr-9983	94	19	realities	reality	NOUN
cblr-9983	94	20	.	.	PUNCT
cblr-9983	95	1	second	second	ADJ
cblr-9983	95	2	,	,	PUNCT
cblr-9983	95	3	when	when	SCONJ
cblr-9983	95	4	due	due	ADJ
cblr-9983	95	5	account	account	NOUN
cblr-9983	95	6	is	be	AUX
cblr-9983	95	7	taken	take	VERB
cblr-9983	95	8	of	of	ADP
cblr-9983	95	9	statutory	statutory	ADJ
cblr-9983	95	10	banking	banking	NOUN
cblr-9983	95	11	law	law	NOUN
cblr-9983	95	12	,	,	PUNCT
cblr-9983	95	13	administrative	administrative	ADJ
cblr-9983	95	14	law	law	NOUN
cblr-9983	95	15	analysis	analysis	NOUN
cblr-9983	95	16	of	of	ADP
cblr-9983	95	17	most	most	ADJ
cblr-9983	95	18	supervisory	supervisory	ADJ
cblr-9983	95	19	practices	practice	NOUN
cblr-9983	95	20	becomes	become	VERB
cblr-9983	95	21	very	very	ADV
cblr-9983	95	22	favorable	favorable	ADJ
cblr-9983	95	23	.	.	PUNCT
cblr-9983	96	1	the	the	DET
cblr-9983	96	2	broad	broad	ADJ
cblr-9983	96	3	targets	target	NOUN
cblr-9983	96	4	of	of	ADP
cblr-9983	96	5	banking	banking	NOUN
cblr-9983	96	6	law	law	NOUN
cblr-9983	96	7	,	,	PUNCT
cblr-9983	96	8	such	such	ADJ
cblr-9983	96	9	as	as	ADP
cblr-9983	96	10	“	"	PUNCT
cblr-9983	96	11	unsafe	unsafe	ADJ
cblr-9983	96	12	or	or	CCONJ
cblr-9983	96	13	unsound	unsound	ADJ
cblr-9983	96	14	”	"	PUNCT
cblr-9983	96	15	practices	practice	NOUN
cblr-9983	96	16	and	and	CCONJ
cblr-9983	96	17	systemic	systemic	ADJ
cblr-9983	96	18	risk	risk	NOUN
cblr-9983	96	19	,	,	PUNCT
cblr-9983	96	20	reflect	reflect	VERB
cblr-9983	96	21	the	the	DET
cblr-9983	96	22	heterogeneous	heterogeneous	ADJ
cblr-9983	96	23	nature	nature	NOUN
cblr-9983	96	24	of	of	ADP
cblr-9983	96	25	financial	financial	ADJ
cblr-9983	96	26	intermediation	intermediation	NOUN
cblr-9983	96	27	.	.	PUNCT
cblr-9983	97	1	statutory	statutory	ADJ
cblr-9983	97	2	provisions	provision	NOUN
cblr-9983	97	3	recognize	recognize	VERB
cblr-9983	97	4	,	,	PUNCT
cblr-9983	97	5	and	and	CCONJ
cblr-9983	97	6	require	require	VERB
cblr-9983	97	7	,	,	PUNCT
cblr-9983	97	8	the	the	DET
cblr-9983	97	9	distinctive	distinctive	ADJ
cblr-9983	97	10	administrative	administrative	ADJ
cblr-9983	97	11	function	function	NOUN
cblr-9983	97	12	of	of	ADP
cblr-9983	97	13	supervision	supervision	NOUN
cblr-9983	97	14	.	.	PUNCT
cblr-9983	98	1	in	in	ADP
cblr-9983	98	2	deciding	decide	VERB
cblr-9983	98	3	how	how	SCONJ
cblr-9983	98	4	the	the	DET
cblr-9983	98	5	general	general	ADJ
cblr-9983	98	6	terms	term	NOUN
cblr-9983	98	7	of	of	ADP
cblr-9983	98	8	the	the	DET
cblr-9983	98	9	apa	apa	PROPN
cblr-9983	98	10	,	,	PUNCT
cblr-9983	98	11	contained	contain	VERB
cblr-9983	98	12	in	in	ADP
cblr-9983	98	13	title	title	NOUN
cblr-9983	98	14	5	5	NUM
cblr-9983	98	15	of	of	ADP
cblr-9983	98	16	the	the	DET
cblr-9983	98	17	united	united	PROPN
cblr-9983	98	18	states	states	PROPN
cblr-9983	98	19	code	code	PROPN
cblr-9983	98	20	,	,	PUNCT
cblr-9983	98	21	apply	apply	VERB
cblr-9983	98	22	to	to	ADP
cblr-9983	98	23	supervisory	supervisory	ADJ
cblr-9983	98	24	practices	practice	NOUN
cblr-9983	98	25	,	,	PUNCT
cblr-9983	98	26	provisions	provision	NOUN
cblr-9983	98	27	of	of	ADP
cblr-9983	98	28	title	title	NOUN
cblr-9983	98	29	12	12	NUM
cblr-9983	98	30	can	can	AUX
cblr-9983	98	31	not	not	PART
cblr-9983	98	32	be	be	AUX
cblr-9983	98	33	ignored	ignore	VERB
cblr-9983	98	34	.	.	PUNCT
cblr-9983	99	1	that	that	PRON
cblr-9983	99	2	is	be	AUX
cblr-9983	99	3	,	,	PUNCT
cblr-9983	99	4	while	while	SCONJ
cblr-9983	99	5	the	the	DET
cblr-9983	99	6	apa	apa	PROPN
cblr-9983	99	7	of	of	ADP
cblr-9983	99	8	course	course	NOUN
cblr-9983	99	9	applies	apply	VERB
cblr-9983	99	10	to	to	ADP
cblr-9983	99	11	all	all	DET
cblr-9983	99	12	administrative	administrative	ADJ
cblr-9983	99	13	actions	action	NOUN
cblr-9983	99	14	not	not	PART
cblr-9983	99	15	explicitly	explicitly	ADV
cblr-9983	99	16	exempted	exempt	VERB
cblr-9983	99	17	,	,	PUNCT
cblr-9983	99	18	the	the	DET
cblr-9983	99	19	judicial	judicial	ADJ
cblr-9983	99	20	determinations	determination	NOUN
cblr-9983	99	21	of	of	ADP
cblr-9983	99	22	how	how	SCONJ
cblr-9983	99	23	its	its	PRON
cblr-9983	99	24	terms	term	NOUN
cblr-9983	99	25	and	and	CCONJ
cblr-9983	99	26	exceptions	exception	NOUN
cblr-9983	99	27	apply	apply	VERB
cblr-9983	99	28	should	should	AUX
cblr-9983	99	29	take	take	VERB
cblr-9983	99	30	account	account	NOUN
cblr-9983	99	31	of	of	ADP
cblr-9983	99	32	the	the	DET
cblr-9983	99	33	mandates	mandate	NOUN
cblr-9983	99	34	established	establish	VERB
cblr-9983	99	35	by	by	ADP
cblr-9983	99	36	congress	congress	PROPN
cblr-9983	99	37	in	in	ADP
cblr-9983	99	38	substantive	substantive	ADJ
cblr-9983	99	39	legislation	legislation	NOUN
cblr-9983	99	40	such	such	ADJ
cblr-9983	99	41	as	as	ADP
cblr-9983	99	42	the	the	DET
cblr-9983	99	43	banking	banking	NOUN
cblr-9983	99	44	laws	law	NOUN
cblr-9983	99	45	.	.	PUNCT
cblr-9983	100	1	third	third	ADJ
cblr-9983	100	2	,	,	PUNCT
cblr-9983	100	3	the	the	DET
cblr-9983	100	4	traditional	traditional	ADJ
cblr-9983	100	5	focus	focus	NOUN
cblr-9983	100	6	of	of	ADP
cblr-9983	100	7	administrative	administrative	ADJ
cblr-9983	100	8	law	law	NOUN
cblr-9983	100	9	review	review	NOUN
cblr-9983	100	10	on	on	ADP
cblr-9983	100	11	a	a	DET
cblr-9983	100	12	specific	specific	ADJ
cblr-9983	100	13	agency	agency	NOUN
cblr-9983	100	14	action	action	NOUN
cblr-9983	100	15	could	could	AUX
cblr-9983	100	16	present	present	VERB
cblr-9983	100	17	its	its	PRON
cblr-9983	100	18	own	own	ADJ
cblr-9983	100	19	problems	problem	NOUN
cblr-9983	100	20	if	if	SCONJ
cblr-9983	100	21	supervisory	supervisory	ADJ
cblr-9983	100	22	actions	action	NOUN
cblr-9983	100	23	were	be	AUX
cblr-9983	100	24	more	more	ADV
cblr-9983	100	25	frequently	frequently	ADV
cblr-9983	100	26	challenged	challenge	VERB
cblr-9983	100	27	.	.	PUNCT
cblr-9983	101	1	banking	banking	NOUN
cblr-9983	101	2	supervision	supervision	NOUN
cblr-9983	101	3	above	above	ADP
cblr-9983	101	4	all	all	PRON
cblr-9983	101	5	entails	entail	VERB
cblr-9983	101	6	an	an	DET
cblr-9983	101	7	ongoing	ongoing	ADJ
cblr-9983	101	8	relationship	relationship	NOUN
cblr-9983	101	9	between	between	ADP
cblr-9983	101	10	a	a	DET
cblr-9983	101	11	bank	bank	NOUN
cblr-9983	101	12	and	and	CCONJ
cblr-9983	101	13	agency	agency	NOUN
cblr-9983	101	14	officials	official	NOUN
cblr-9983	101	15	.	.	PUNCT
cblr-9983	102	1	the	the	DET
cblr-9983	102	2	origins	origin	NOUN
cblr-9983	102	3	and	and	CCONJ
cblr-9983	102	4	effects	effect	NOUN
cblr-9983	102	5	of	of	ADP
cblr-9983	102	6	most	most	ADJ
cblr-9983	102	7	supervisory	supervisory	ADJ
cblr-9983	102	8	actions	action	NOUN
cblr-9983	102	9	and	and	CCONJ
cblr-9983	102	10	communications	communication	NOUN
cblr-9983	102	11	connect	connect	VERB
cblr-9983	102	12	to	to	ADP
cblr-9983	102	13	other	other	ADJ
cblr-9983	102	14	actions	action	NOUN
cblr-9983	102	15	and	and	CCONJ
cblr-9983	102	16	communications	communication	NOUN
cblr-9983	102	17	.	.	PUNCT
cblr-9983	103	1	thus	thus	ADV
cblr-9983	103	2	,	,	PUNCT
cblr-9983	103	3	while	while	SCONJ
cblr-9983	103	4	applying	apply	VERB
cblr-9983	103	5	administrative	administrative	ADJ
cblr-9983	103	6	law	law	NOUN
cblr-9983	103	7	doctrine	doctrine	NOUN
cblr-9983	103	8	with	with	ADP
cblr-9983	103	9	a	a	DET
cblr-9983	103	10	recognition	recognition	NOUN
cblr-9983	103	11	of	of	ADP
cblr-9983	103	12	the	the	DET
cblr-9983	103	13	statutory	statutory	ADJ
cblr-9983	103	14	foundations	foundation	NOUN
cblr-9983	103	15	of	of	ADP
cblr-9983	103	16	bank	bank	NOUN
cblr-9983	103	17	supervision	supervision	NOUN
cblr-9983	103	18	would	would	AUX
cblr-9983	103	19	be	be	AUX
cblr-9983	103	20	preferable	preferable	ADJ
cblr-9983	103	21	to	to	ADP
cblr-9983	103	22	a	a	DET
cblr-9983	103	23	homogenized	homogenized	ADJ
cblr-9983	103	24	mode	mode	NOUN
cblr-9983	103	25	of	of	ADP
cblr-9983	103	26	review	review	NOUN
cblr-9983	103	27	,	,	PUNCT
cblr-9983	103	28	there	there	PRON
cblr-9983	103	29	could	could	AUX
cblr-9983	103	30	still	still	ADV
cblr-9983	103	31	be	be	AUX
cblr-9983	103	32	a	a	DET
cblr-9983	103	33	gap	gap	NOUN
cblr-9983	103	34	between	between	ADP
cblr-9983	103	35	doctrinal	doctrinal	ADJ
cblr-9983	103	36	emphasis	emphasis	NOUN
cblr-9983	103	37	and	and	CCONJ
cblr-9983	103	38	the	the	DET
cblr-9983	103	39	realities	reality	NOUN
cblr-9983	103	40	of	of	ADP
cblr-9983	103	41	the	the	DET
cblr-9983	103	42	supervisory	supervisory	ADJ
cblr-9983	103	43	relationship	relationship	NOUN
cblr-9983	103	44	for	for	ADP
cblr-9983	103	45	both	both	DET
cblr-9983	103	46	banks	bank	NOUN
cblr-9983	103	47	and	and	CCONJ
cblr-9983	103	48	the	the	DET
cblr-9983	103	49	banking	banking	NOUN
cblr-9983	103	50	agencies	agency	NOUN
cblr-9983	103	51	.	.	PUNCT
cblr-9983	104	1	this	this	DET
cblr-9983	104	2	conclusion	conclusion	NOUN
cblr-9983	104	3	suggests	suggest	VERB
cblr-9983	104	4	that	that	SCONJ
cblr-9983	104	5	an	an	DET
cblr-9983	104	6	even	even	ADV
cblr-9983	104	7	more	more	ADV
cblr-9983	104	8	differentiated	differentiated	ADJ
cblr-9983	104	9	administrative	administrative	ADJ
cblr-9983	104	10	law	law	NOUN
cblr-9983	104	11	treatment	treatment	NOUN
cblr-9983	104	12	of	of	ADP
cblr-9983	104	13	banking	banking	NOUN
cblr-9983	104	14	supervision	supervision	NOUN
cblr-9983	104	15	could	could	AUX
cblr-9983	104	16	be	be	AUX
cblr-9983	104	17	warranted	warrant	VERB
cblr-9983	104	18	—	—	PUNCT
cblr-9983	104	19	one	one	NUM
cblr-9983	104	20	that	that	PRON
cblr-9983	104	21	focuses	focus	VERB
cblr-9983	104	22	on	on	ADP
cblr-9983	104	23	the	the	DET
cblr-9983	104	24	agencies	agency	NOUN
cblr-9983	104	25	’	'	PUNCT
cblr-9983	104	26	process	process	NOUN
cblr-9983	104	27	for	for	ADP
cblr-9983	104	28	managing	manage	VERB
cblr-9983	104	29	the	the	DET
cblr-9983	104	30	supervisory	supervisory	ADJ
cblr-9983	104	31	relationship	relationship	NOUN
cblr-9983	104	32	,	,	PUNCT
cblr-9983	104	33	within	within	ADP
cblr-9983	104	34	which	which	PRON
cblr-9983	104	35	non	non	ADJ
cblr-9983	104	36	-	-	ADJ
cblr-9983	104	37	legally	legally	ADV
cblr-9983	104	38	-	-	PUNCT
cblr-9983	104	39	binding	bind	VERB
cblr-9983	104	40	communications	communication	NOUN
cblr-9983	104	41	are	be	AUX
cblr-9983	104	42	supposed	suppose	VERB
cblr-9983	104	43	to	to	PART
cblr-9983	104	44	influence	influence	VERB
cblr-9983	104	45	bank	bank	NOUN
cblr-9983	104	46	behavior	behavior	NOUN
cblr-9983	104	47	.	.	PUNCT
cblr-9983	105	1	part	part	NOUN
cblr-9983	105	2	ii	ii	PROPN
cblr-9983	105	3	begins	begin	VERB
cblr-9983	105	4	with	with	ADP
cblr-9983	105	5	a	a	DET
cblr-9983	105	6	description	description	NOUN
cblr-9983	105	7	of	of	ADP
cblr-9983	105	8	the	the	DET
cblr-9983	105	9	basics	basic	NOUN
cblr-9983	105	10	of	of	ADP
cblr-9983	105	11	contemporary	contemporary	ADJ
cblr-9983	105	12	banking	banking	NOUN
cblr-9983	105	13	supervision	supervision	NOUN
cblr-9983	105	14	,	,	PUNCT
cblr-9983	105	15	including	include	VERB
cblr-9983	105	16	its	its	PRON
cblr-9983	105	17	statutory	statutory	ADJ
cblr-9983	105	18	sources	source	NOUN
cblr-9983	105	19	,	,	PUNCT
cblr-9983	105	20	and	and	CCONJ
cblr-9983	105	21	a	a	DET
cblr-9983	105	22	more	more	ADV
cblr-9983	105	23	precise	precise	ADJ
cblr-9983	105	24	account	account	NOUN
cblr-9983	105	25	of	of	ADP
cblr-9983	105	26	how	how	SCONJ
cblr-9983	105	27	it	it	PRON
cblr-9983	105	28	complements	complement	VERB
cblr-9983	105	29	bank	bank	NOUN
cblr-9983	105	30	regulatory	regulatory	ADJ
cblr-9983	105	31	rules	rule	NOUN
cblr-9983	105	32	.	.	PUNCT
cblr-9983	106	1	this	this	DET
cblr-9983	106	2	account	account	NOUN
cblr-9983	106	3	requires	require	VERB
cblr-9983	106	4	some	some	DET
cblr-9983	106	5	no	no	NOUN
cblr-9983	106	6	.	.	PUNCT
cblr-9983	107	1	1:279	1:279	NOUN
cblr-9983	107	2	]	]	X
cblr-9983	107	3	bank	bank	NOUN
cblr-9983	107	4	supervision	supervision	NOUN
cblr-9983	107	5	and	and	CCONJ
cblr-9983	107	6	administrative	administrative	ADJ
cblr-9983	107	7	law	law	NOUN
cblr-9983	107	8	285	285	NUM
cblr-9983	107	9	explanation	explanation	NOUN
cblr-9983	107	10	of	of	ADP
cblr-9983	107	11	the	the	DET
cblr-9983	107	12	nature	nature	NOUN
cblr-9983	107	13	of	of	ADP
cblr-9983	107	14	financial	financial	ADJ
cblr-9983	107	15	risk	risk	NOUN
cblr-9983	107	16	,	,	PUNCT
cblr-9983	107	17	and	and	CCONJ
cblr-9983	107	18	thus	thus	ADV
cblr-9983	107	19	the	the	DET
cblr-9983	107	20	task	task	NOUN
cblr-9983	107	21	of	of	ADP
cblr-9983	107	22	prudential	prudential	PROPN
cblr-9983	107	23	regulation	regulation	NOUN
cblr-9983	107	24	.	.	PUNCT
cblr-9983	108	1	the	the	DET
cblr-9983	108	2	opacity	opacity	NOUN
cblr-9983	108	3	,	,	PUNCT
cblr-9983	108	4	heterogeneity	heterogeneity	NOUN
cblr-9983	108	5	,	,	PUNCT
cblr-9983	108	6	and	and	CCONJ
cblr-9983	108	7	fastchanging	fastchange	VERB
cblr-9983	108	8	nature	nature	NOUN
cblr-9983	108	9	of	of	ADP
cblr-9983	108	10	much	much	ADJ
cblr-9983	108	11	financial	financial	ADJ
cblr-9983	108	12	activity	activity	NOUN
cblr-9983	108	13	compound	compound	VERB
cblr-9983	108	14	the	the	DET
cblr-9983	108	15	difficulty	difficulty	NOUN
cblr-9983	108	16	of	of	ADP
cblr-9983	108	17	capturing	capture	VERB
cblr-9983	108	18	in	in	ADP
cblr-9983	108	19	rules	rule	NOUN
cblr-9983	108	20	all	all	DET
cblr-9983	108	21	the	the	DET
cblr-9983	108	22	combinations	combination	NOUN
cblr-9983	108	23	of	of	ADP
cblr-9983	108	24	circumstances	circumstance	NOUN
cblr-9983	108	25	that	that	PRON
cblr-9983	108	26	determine	determine	VERB
cblr-9983	108	27	whether	whether	SCONJ
cblr-9983	108	28	a	a	DET
cblr-9983	108	29	bank	bank	NOUN
cblr-9983	108	30	’s	’s	PART
cblr-9983	108	31	practices	practice	NOUN
cblr-9983	108	32	are	be	AUX
cblr-9983	108	33	“	"	PUNCT
cblr-9983	108	34	unsafe	unsafe	ADJ
cblr-9983	108	35	or	or	CCONJ
cblr-9983	108	36	unsound	unsound	ADJ
cblr-9983	108	37	.	.	PUNCT
cblr-9983	108	38	”	"	PUNCT
cblr-9983	109	1	good	good	ADJ
cblr-9983	109	2	supervision	supervision	NOUN
cblr-9983	109	3	can	can	AUX
cblr-9983	109	4	often	often	ADV
cblr-9983	109	5	counteract	counteract	VERB
cblr-9983	109	6	new	new	ADJ
cblr-9983	109	7	or	or	CCONJ
cblr-9983	109	8	increasing	increase	VERB
cblr-9983	109	9	risks	risk	NOUN
cblr-9983	109	10	more	more	ADV
cblr-9983	109	11	expeditiously	expeditiously	ADV
cblr-9983	109	12	and	and	CCONJ
cblr-9983	109	13	efficiently	efficiently	ADV
cblr-9983	109	14	than	than	ADP
cblr-9983	109	15	generally	generally	ADV
cblr-9983	109	16	applicable	applicable	ADJ
cblr-9983	109	17	regulatory	regulatory	ADJ
cblr-9983	109	18	rules	rule	NOUN
cblr-9983	109	19	.	.	PUNCT
cblr-9983	110	1	appropriately	appropriately	ADV
cblr-9983	110	2	conceived	conceive	VERB
cblr-9983	110	3	and	and	CCONJ
cblr-9983	110	4	implemented	implement	VERB
cblr-9983	110	5	supervisory	supervisory	ADJ
cblr-9983	110	6	activities	activity	NOUN
cblr-9983	110	7	thereby	thereby	ADV
cblr-9983	110	8	allow	allow	VERB
cblr-9983	110	9	safety	safety	NOUN
cblr-9983	110	10	and	and	CCONJ
cblr-9983	110	11	soundness	soundness	NOUN
cblr-9983	110	12	regulations	regulation	NOUN
cblr-9983	110	13	to	to	PART
cblr-9983	110	14	be	be	AUX
cblr-9983	110	15	calibrated	calibrate	VERB
cblr-9983	110	16	less	less	ADV
cblr-9983	110	17	stringently	stringently	ADV
cblr-9983	110	18	and	and	CCONJ
cblr-9983	110	19	more	more	ADV
cblr-9983	110	20	efficiently	efficiently	ADV
cblr-9983	110	21	.	.	PUNCT
cblr-9983	111	1	part	part	NOUN
cblr-9983	111	2	iii	iii	NOUN
cblr-9983	111	3	presents	present	VERB
cblr-9983	111	4	a	a	DET
cblr-9983	111	5	doctrinal	doctrinal	ADJ
cblr-9983	111	6	analysis	analysis	NOUN
cblr-9983	111	7	of	of	ADP
cblr-9983	111	8	potential	potential	ADJ
cblr-9983	111	9	challenges	challenge	NOUN
cblr-9983	111	10	to	to	ADP
cblr-9983	111	11	three	three	NUM
cblr-9983	111	12	important	important	ADJ
cblr-9983	111	13	forms	form	NOUN
cblr-9983	111	14	of	of	ADP
cblr-9983	111	15	supervisory	supervisory	ADJ
cblr-9983	111	16	activities	activity	NOUN
cblr-9983	111	17	:	:	PUNCT
cblr-9983	111	18	supervisory	supervisory	ADJ
cblr-9983	111	19	stress	stress	NOUN
cblr-9983	111	20	testing	testing	NOUN
cblr-9983	111	21	in	in	ADP
cblr-9983	111	22	setting	set	VERB
cblr-9983	111	23	minimum	minimum	ADJ
cblr-9983	111	24	capital	capital	NOUN
cblr-9983	111	25	requirements	requirement	NOUN
cblr-9983	111	26	;	;	PUNCT
cblr-9983	111	27	assignment	assignment	NOUN
cblr-9983	111	28	of	of	ADP
cblr-9983	111	29	supervisory	supervisory	ADJ
cblr-9983	111	30	ratings	rating	NOUN
cblr-9983	111	31	,	,	PUNCT
cblr-9983	111	32	which	which	PRON
cblr-9983	111	33	carry	carry	VERB
cblr-9983	111	34	tangible	tangible	ADJ
cblr-9983	111	35	consequences	consequence	NOUN
cblr-9983	111	36	for	for	ADP
cblr-9983	111	37	banks	bank	NOUN
cblr-9983	111	38	;	;	PUNCT
cblr-9983	111	39	and	and	CCONJ
cblr-9983	111	40	the	the	DET
cblr-9983	111	41	use	use	NOUN
cblr-9983	111	42	of	of	ADP
cblr-9983	111	43	supervisory	supervisory	ADJ
cblr-9983	111	44	guidance	guidance	NOUN
cblr-9983	111	45	and	and	CCONJ
cblr-9983	111	46	various	various	ADJ
cblr-9983	111	47	informal	informal	ADJ
cblr-9983	111	48	means	mean	NOUN
cblr-9983	111	49	of	of	ADP
cblr-9983	111	50	communication	communication	NOUN
cblr-9983	111	51	,	,	PUNCT
cblr-9983	111	52	which	which	PRON
cblr-9983	111	53	are	be	AUX
cblr-9983	111	54	central	central	ADJ
cblr-9983	111	55	to	to	ADP
cblr-9983	111	56	the	the	DET
cblr-9983	111	57	supervisory	supervisory	ADJ
cblr-9983	111	58	relationship	relationship	NOUN
cblr-9983	111	59	.	.	PUNCT
cblr-9983	112	1	in	in	ADP
cblr-9983	112	2	all	all	DET
cblr-9983	112	3	three	three	NUM
cblr-9983	112	4	cases	case	NOUN
cblr-9983	112	5	,	,	PUNCT
cblr-9983	112	6	the	the	DET
cblr-9983	112	7	supervisory	supervisory	ADJ
cblr-9983	112	8	practices	practice	NOUN
cblr-9983	112	9	can	can	AUX
cblr-9983	112	10	be	be	AUX
cblr-9983	112	11	well	well	ADV
cblr-9983	112	12	-	-	PUNCT
cblr-9983	112	13	defended	defend	VERB
cblr-9983	112	14	solely	solely	ADV
cblr-9983	112	15	by	by	ADP
cblr-9983	112	16	reference	reference	NOUN
cblr-9983	112	17	to	to	ADP
cblr-9983	112	18	the	the	DET
cblr-9983	112	19	trans	trans	ADJ
cblr-9983	112	20	-	-	ADJ
cblr-9983	112	21	substantive	substantive	ADJ
cblr-9983	112	22	application	application	NOUN
cblr-9983	112	23	of	of	ADP
cblr-9983	112	24	doctrine	doctrine	NOUN
cblr-9983	112	25	that	that	PRON
cblr-9983	112	26	characterizes	characterize	VERB
cblr-9983	112	27	much	much	ADJ
cblr-9983	112	28	contemporary	contemporary	ADJ
cblr-9983	112	29	administrative	administrative	ADJ
cblr-9983	112	30	law	law	NOUN
cblr-9983	112	31	.	.	PUNCT
cblr-9983	113	1	but	but	CCONJ
cblr-9983	113	2	in	in	ADP
cblr-9983	113	3	two	two	NUM
cblr-9983	113	4	of	of	ADP
cblr-9983	113	5	those	those	DET
cblr-9983	113	6	three	three	NUM
cblr-9983	113	7	cases	case	NOUN
cblr-9983	113	8	,	,	PUNCT
cblr-9983	113	9	there	there	PRON
cblr-9983	113	10	is	be	VERB
cblr-9983	113	11	at	at	ADP
cblr-9983	113	12	least	least	ADJ
cblr-9983	113	13	some	some	PRON
cblr-9983	113	14	doubt	doubt	NOUN
cblr-9983	113	15	as	as	ADP
cblr-9983	113	16	to	to	ADP
cblr-9983	113	17	how	how	SCONJ
cblr-9983	113	18	a	a	DET
cblr-9983	113	19	court	court	NOUN
cblr-9983	113	20	might	might	AUX
cblr-9983	113	21	rule.11	rule.11	VERB
cblr-9983	113	22	the	the	DET
cblr-9983	113	23	discussions	discussion	NOUN
cblr-9983	113	24	of	of	ADP
cblr-9983	113	25	stress	stress	NOUN
cblr-9983	113	26	testing	testing	NOUN
cblr-9983	113	27	and	and	CCONJ
cblr-9983	113	28	supervisory	supervisory	ADJ
cblr-9983	113	29	guidance	guidance	NOUN
cblr-9983	113	30	go	go	VERB
cblr-9983	113	31	on	on	ADP
cblr-9983	113	32	to	to	PART
cblr-9983	113	33	specify	specify	VERB
cblr-9983	113	34	how	how	SCONJ
cblr-9983	113	35	the	the	DET
cblr-9983	113	36	substantive	substantive	ADJ
cblr-9983	113	37	provisions	provision	NOUN
cblr-9983	113	38	of	of	ADP
cblr-9983	113	39	banking	banking	NOUN
cblr-9983	113	40	law	law	NOUN
cblr-9983	113	41	relevant	relevant	ADJ
cblr-9983	113	42	to	to	ADP
cblr-9983	113	43	supervision	supervision	NOUN
cblr-9983	113	44	should	should	AUX
cblr-9983	113	45	be	be	AUX
cblr-9983	113	46	factored	factor	VERB
cblr-9983	113	47	into	into	ADP
cblr-9983	113	48	the	the	DET
cblr-9983	113	49	procedural	procedural	ADJ
cblr-9983	113	50	analysis	analysis	NOUN
cblr-9983	113	51	of	of	ADP
cblr-9983	113	52	administrative	administrative	ADJ
cblr-9983	113	53	law	law	NOUN
cblr-9983	113	54	.	.	PUNCT
cblr-9983	114	1	part	part	NOUN
cblr-9983	114	2	iv	iv	NUM
cblr-9983	114	3	considers	consider	VERB
cblr-9983	114	4	the	the	DET
cblr-9983	114	5	implications	implication	NOUN
cblr-9983	114	6	of	of	ADP
cblr-9983	114	7	one	one	NUM
cblr-9983	114	8	conclusion	conclusion	NOUN
cblr-9983	114	9	from	from	ADP
cblr-9983	114	10	part	part	NOUN
cblr-9983	114	11	iii	iii	NOUN
cblr-9983	114	12	—	—	PUNCT
cblr-9983	114	13	that	that	SCONJ
cblr-9983	114	14	contemporary	contemporary	ADJ
cblr-9983	114	15	administrative	administrative	ADJ
cblr-9983	114	16	law	law	NOUN
cblr-9983	114	17	may	may	AUX
cblr-9983	114	18	require	require	VERB
cblr-9983	114	19	an	an	DET
cblr-9983	114	20	effort	effort	NOUN
cblr-9983	114	21	to	to	PART
cblr-9983	114	22	place	place	VERB
cblr-9983	114	23	the	the	DET
cblr-9983	114	24	square	square	ADJ
cblr-9983	114	25	peg	peg	NOUN
cblr-9983	114	26	of	of	ADP
cblr-9983	114	27	the	the	DET
cblr-9983	114	28	overall	overall	ADJ
cblr-9983	114	29	supervisory	supervisory	ADJ
cblr-9983	114	30	relationship	relationship	NOUN
cblr-9983	114	31	through	through	ADP
cblr-9983	114	32	the	the	DET
cblr-9983	114	33	round	round	ADJ
cblr-9983	114	34	hole	hole	NOUN
cblr-9983	114	35	of	of	ADP
cblr-9983	114	36	an	an	DET
cblr-9983	114	37	administrative	administrative	ADJ
cblr-9983	114	38	law	law	NOUN
cblr-9983	114	39	built	build	VERB
cblr-9983	114	40	on	on	ADP
cblr-9983	114	41	review	review	NOUN
cblr-9983	114	42	of	of	ADP
cblr-9983	114	43	specific	specific	ADJ
cblr-9983	114	44	actions	action	NOUN
cblr-9983	114	45	.	.	PUNCT
cblr-9983	115	1	sometimes	sometimes	ADV
cblr-9983	115	2	it	it	PRON
cblr-9983	115	3	will	will	AUX
cblr-9983	115	4	fit	fit	VERB
cblr-9983	115	5	through	through	ADP
cblr-9983	115	6	with	with	ADP
cblr-9983	115	7	no	no	DET
cblr-9983	115	8	problem	problem	NOUN
cblr-9983	115	9	;	;	PUNCT
cblr-9983	115	10	sometimes	sometimes	ADV
cblr-9983	115	11	it	it	PRON
cblr-9983	115	12	will	will	AUX
cblr-9983	115	13	not	not	PART
cblr-9983	115	14	.	.	PUNCT
cblr-9983	116	1	whatever	whatever	PRON
cblr-9983	116	2	the	the	DET
cblr-9983	116	3	outcome	outcome	NOUN
cblr-9983	116	4	in	in	ADP
cblr-9983	116	5	a	a	DET
cblr-9983	116	6	specific	specific	ADJ
cblr-9983	116	7	case	case	NOUN
cblr-9983	116	8	,	,	PUNCT
cblr-9983	116	9	there	there	PRON
cblr-9983	116	10	will	will	AUX
cblr-9983	116	11	often	often	ADV
cblr-9983	116	12	seem	seem	VERB
cblr-9983	116	13	a	a	DET
cblr-9983	116	14	lack	lack	NOUN
cblr-9983	116	15	of	of	ADP
cblr-9983	116	16	congruence	congruence	NOUN
cblr-9983	116	17	between	between	ADP
cblr-9983	116	18	the	the	DET
cblr-9983	116	19	doctrinal	doctrinal	ADJ
cblr-9983	116	20	status	status	NOUN
cblr-9983	116	21	of	of	ADP
cblr-9983	116	22	the	the	DET
cblr-9983	116	23	practice	practice	NOUN
cblr-9983	116	24	and	and	CCONJ
cblr-9983	116	25	how	how	SCONJ
cblr-9983	116	26	it	it	PRON
cblr-9983	116	27	measures	measure	VERB
cblr-9983	116	28	up	up	ADP
cblr-9983	116	29	to	to	ADP
cblr-9983	116	30	norms	norm	NOUN
cblr-9983	116	31	of	of	ADP
cblr-9983	116	32	accountability	accountability	NOUN
cblr-9983	116	33	,	,	PUNCT
cblr-9983	116	34	fairness	fairness	NOUN
cblr-9983	116	35	,	,	PUNCT
cblr-9983	116	36	and	and	CCONJ
cblr-9983	116	37	due	due	ADJ
cblr-9983	116	38	consideration	consideration	NOUN
cblr-9983	116	39	of	of	ADP
cblr-9983	116	40	policy	policy	NOUN
cblr-9983	116	41	options	option	NOUN
cblr-9983	116	42	.	.	PUNCT
cblr-9983	117	1	this	this	DET
cblr-9983	117	2	part	part	NOUN
cblr-9983	117	3	begins	begin	VERB
cblr-9983	117	4	with	with	ADP
cblr-9983	117	5	a	a	DET
cblr-9983	117	6	11	11	NUM
cblr-9983	117	7	ironically	ironically	ADV
cblr-9983	117	8	,	,	PUNCT
cblr-9983	117	9	the	the	DET
cblr-9983	117	10	exception	exception	NOUN
cblr-9983	117	11	is	be	AUX
cblr-9983	117	12	the	the	DET
cblr-9983	117	13	ratings	rating	NOUN
cblr-9983	117	14	process	process	NOUN
cblr-9983	117	15	,	,	PUNCT
cblr-9983	117	16	which	which	PRON
cblr-9983	117	17	actually	actually	ADV
cblr-9983	117	18	presents	present	VERB
cblr-9983	117	19	the	the	DET
cblr-9983	117	20	strongest	strong	ADJ
cblr-9983	117	21	normative	normative	ADJ
cblr-9983	117	22	case	case	NOUN
cblr-9983	117	23	for	for	ADP
cblr-9983	117	24	more	more	ADV
cblr-9983	117	25	fully	fully	ADV
cblr-9983	117	26	developed	develop	VERB
cblr-9983	117	27	agency	agency	NOUN
cblr-9983	117	28	procedures	procedure	NOUN
cblr-9983	117	29	.	.	PUNCT
cblr-9983	118	1	286	286	NUM
cblr-9983	118	2	columbia	columbia	PROPN
cblr-9983	118	3	business	business	NOUN
cblr-9983	118	4	law	law	NOUN
cblr-9983	118	5	review	review	NOUN
cblr-9983	118	6	[	[	X
cblr-9983	118	7	vol	vol	NOUN
cblr-9983	118	8	.	.	PUNCT
cblr-9983	118	9	2022	2022	NUM
cblr-9983	118	10	brief	brief	ADJ
cblr-9983	118	11	historical	historical	ADJ
cblr-9983	118	12	review	review	NOUN
cblr-9983	118	13	that	that	PRON
cblr-9983	118	14	helps	help	VERB
cblr-9983	118	15	explain	explain	VERB
cblr-9983	118	16	the	the	DET
cblr-9983	118	17	current	current	ADJ
cblr-9983	118	18	disconnect	disconnect	NOUN
cblr-9983	118	19	between	between	ADP
cblr-9983	118	20	administrative	administrative	ADJ
cblr-9983	118	21	law	law	NOUN
cblr-9983	118	22	and	and	CCONJ
cblr-9983	118	23	banking	banking	NOUN
cblr-9983	118	24	supervision	supervision	NOUN
cblr-9983	118	25	.	.	PUNCT
cblr-9983	119	1	it	it	PRON
cblr-9983	119	2	then	then	ADV
cblr-9983	119	3	presents	present	VERB
cblr-9983	119	4	a	a	DET
cblr-9983	119	5	possible	possible	ADJ
cblr-9983	119	6	alternative	alternative	NOUN
cblr-9983	119	7	—	—	PUNCT
cblr-9983	119	8	a	a	DET
cblr-9983	119	9	framework	framework	NOUN
cblr-9983	119	10	for	for	ADP
cblr-9983	119	11	internal	internal	ADJ
cblr-9983	119	12	administrative	administrative	ADJ
cblr-9983	119	13	law	law	NOUN
cblr-9983	119	14	and	and	CCONJ
cblr-9983	119	15	practice	practice	NOUN
cblr-9983	119	16	that	that	PRON
cblr-9983	119	17	would	would	AUX
cblr-9983	119	18	evaluate	evaluate	VERB
cblr-9983	119	19	challenges	challenge	NOUN
cblr-9983	119	20	to	to	ADP
cblr-9983	119	21	specific	specific	ADJ
cblr-9983	119	22	supervisory	supervisory	ADJ
cblr-9983	119	23	actions	action	NOUN
cblr-9983	119	24	within	within	ADP
cblr-9983	119	25	the	the	DET
cblr-9983	119	26	broader	broad	ADJ
cblr-9983	119	27	context	context	NOUN
cblr-9983	119	28	of	of	ADP
cblr-9983	119	29	the	the	DET
cblr-9983	119	30	supervisory	supervisory	ADJ
cblr-9983	119	31	relationship	relationship	NOUN
cblr-9983	119	32	.	.	PUNCT
cblr-9983	120	1	such	such	DET
cblr-9983	120	2	an	an	DET
cblr-9983	120	3	approach	approach	NOUN
cblr-9983	120	4	would	would	AUX
cblr-9983	120	5	,	,	PUNCT
cblr-9983	120	6	to	to	PART
cblr-9983	120	7	be	be	AUX
cblr-9983	120	8	sure	sure	ADJ
cblr-9983	120	9	,	,	PUNCT
cblr-9983	120	10	validate	validate	VERB
cblr-9983	120	11	certain	certain	ADJ
cblr-9983	120	12	actions	action	NOUN
cblr-9983	120	13	that	that	PRON
cblr-9983	120	14	some	some	DET
cblr-9983	120	15	banks	bank	NOUN
cblr-9983	120	16	may	may	AUX
cblr-9983	120	17	want	want	VERB
cblr-9983	120	18	to	to	PART
cblr-9983	120	19	challenge	challenge	VERB
cblr-9983	120	20	under	under	ADP
cblr-9983	120	21	current	current	ADJ
cblr-9983	120	22	doctrine	doctrine	NOUN
cblr-9983	120	23	.	.	PUNCT
cblr-9983	121	1	but	but	CCONJ
cblr-9983	121	2	by	by	ADP
cblr-9983	121	3	requiring	require	VERB
cblr-9983	121	4	more	more	ADJ
cblr-9983	121	5	regularity	regularity	NOUN
cblr-9983	121	6	and	and	CCONJ
cblr-9983	121	7	transparency	transparency	NOUN
cblr-9983	121	8	in	in	ADP
cblr-9983	121	9	the	the	DET
cblr-9983	121	10	overall	overall	ADJ
cblr-9983	121	11	supervisory	supervisory	ADJ
cblr-9983	121	12	structure	structure	NOUN
cblr-9983	121	13	,	,	PUNCT
cblr-9983	121	14	it	it	PRON
cblr-9983	121	15	could	could	AUX
cblr-9983	121	16	also	also	ADV
cblr-9983	121	17	have	have	VERB
cblr-9983	121	18	advantages	advantage	NOUN
cblr-9983	121	19	for	for	ADP
cblr-9983	121	20	banks	bank	NOUN
cblr-9983	121	21	,	,	PUNCT
cblr-9983	121	22	especially	especially	ADV
cblr-9983	121	23	the	the	DET
cblr-9983	121	24	smaller	small	ADJ
cblr-9983	121	25	banks	bank	NOUN
cblr-9983	121	26	for	for	ADP
cblr-9983	121	27	which	which	PRON
cblr-9983	121	28	expensive	expensive	ADJ
cblr-9983	121	29	court	court	NOUN
cblr-9983	121	30	challenges	challenge	NOUN
cblr-9983	121	31	to	to	ADP
cblr-9983	121	32	administrative	administrative	ADJ
cblr-9983	121	33	action	action	NOUN
cblr-9983	121	34	are	be	AUX
cblr-9983	121	35	rarely	rarely	ADV
cblr-9983	121	36	a	a	DET
cblr-9983	121	37	realistic	realistic	ADJ
cblr-9983	121	38	option	option	NOUN
cblr-9983	121	39	.	.	PUNCT
cblr-9983	122	1	while	while	SCONJ
cblr-9983	122	2	my	my	PRON
cblr-9983	122	3	focus	focus	NOUN
cblr-9983	122	4	is	be	AUX
cblr-9983	122	5	squarely	squarely	ADV
cblr-9983	122	6	on	on	ADP
cblr-9983	122	7	the	the	DET
cblr-9983	122	8	unusual	unusual	ADJ
cblr-9983	122	9	characteristics	characteristic	NOUN
cblr-9983	122	10	and	and	CCONJ
cblr-9983	122	11	statutory	statutory	ADJ
cblr-9983	122	12	foundations	foundation	NOUN
cblr-9983	122	13	of	of	ADP
cblr-9983	122	14	bank	bank	PROPN
cblr-9983	122	15	supervision	supervision	NOUN
cblr-9983	122	16	,	,	PUNCT
cblr-9983	122	17	i	i	PRON
cblr-9983	122	18	refer	refer	VERB
cblr-9983	122	19	at	at	ADP
cblr-9983	122	20	several	several	ADJ
cblr-9983	122	21	places	place	NOUN
cblr-9983	122	22	in	in	ADP
cblr-9983	122	23	the	the	DET
cblr-9983	122	24	discussion	discussion	NOUN
cblr-9983	122	25	to	to	ADP
cblr-9983	122	26	the	the	DET
cblr-9983	122	27	potential	potential	ADJ
cblr-9983	122	28	relevance	relevance	NOUN
cblr-9983	122	29	of	of	ADP
cblr-9983	122	30	my	my	PRON
cblr-9983	122	31	analysis	analysis	NOUN
cblr-9983	122	32	for	for	ADP
cblr-9983	122	33	administrative	administrative	ADJ
cblr-9983	122	34	law	law	NOUN
cblr-9983	122	35	in	in	ADP
cblr-9983	122	36	other	other	ADJ
cblr-9983	122	37	substantive	substantive	ADJ
cblr-9983	122	38	regulatory	regulatory	ADJ
cblr-9983	122	39	areas	area	NOUN
cblr-9983	122	40	.	.	PUNCT
cblr-9983	123	1	although	although	SCONJ
cblr-9983	123	2	the	the	DET
cblr-9983	123	3	very	very	ADJ
cblr-9983	123	4	particularity	particularity	NOUN
cblr-9983	123	5	of	of	ADP
cblr-9983	123	6	the	the	DET
cblr-9983	123	7	supervisory	supervisory	ADJ
cblr-9983	123	8	function	function	NOUN
cblr-9983	123	9	in	in	ADP
cblr-9983	123	10	banking	banking	NOUN
cblr-9983	123	11	law	law	NOUN
cblr-9983	123	12	that	that	PRON
cblr-9983	123	13	underlies	underlie	VERB
cblr-9983	123	14	much	much	ADJ
cblr-9983	123	15	of	of	ADP
cblr-9983	123	16	my	my	PRON
cblr-9983	123	17	argument	argument	NOUN
cblr-9983	123	18	counsels	counsel	NOUN
cblr-9983	123	19	caution	caution	VERB
cblr-9983	123	20	in	in	ADP
cblr-9983	123	21	extrapolating	extrapolate	VERB
cblr-9983	123	22	to	to	ADP
cblr-9983	123	23	other	other	ADJ
cblr-9983	123	24	substantive	substantive	ADJ
cblr-9983	123	25	areas	area	NOUN
cblr-9983	123	26	,	,	PUNCT
cblr-9983	123	27	part	part	NOUN
cblr-9983	123	28	v	v	ADP
cblr-9983	123	29	concludes	conclude	VERB
cblr-9983	123	30	by	by	ADP
cblr-9983	123	31	briefly	briefly	NOUN
cblr-9983	123	32	drawing	draw	VERB
cblr-9983	123	33	together	together	ADV
cblr-9983	123	34	and	and	CCONJ
cblr-9983	123	35	expanding	expand	VERB
cblr-9983	123	36	upon	upon	SCONJ
cblr-9983	123	37	some	some	PRON
cblr-9983	123	38	of	of	ADP
cblr-9983	123	39	these	these	DET
cblr-9983	123	40	references	reference	NOUN
cblr-9983	123	41	.	.	PUNCT
cblr-9983	124	1	ii	ii	PROPN
cblr-9983	124	2	.	.	PUNCT
cblr-9983	125	1	the	the	DET
cblr-9983	125	2	nature	nature	NOUN
cblr-9983	125	3	of	of	ADP
cblr-9983	125	4	bank	bank	NOUN
cblr-9983	125	5	supervision	supervision	NOUN
cblr-9983	125	6	as	as	ADP
cblr-9983	125	7	a	a	DET
cblr-9983	125	8	historical	historical	ADJ
cblr-9983	125	9	matter	matter	NOUN
cblr-9983	125	10	,	,	PUNCT
cblr-9983	125	11	bank	bank	NOUN
cblr-9983	125	12	examination	examination	NOUN
cblr-9983	125	13	and	and	CCONJ
cblr-9983	125	14	supervision	supervision	NOUN
cblr-9983	125	15	predated	predate	VERB
cblr-9983	125	16	bank	bank	NOUN
cblr-9983	125	17	regulation,12	regulation,12	VERB
cblr-9983	125	18	at	at	ADV
cblr-9983	125	19	least	least	ADJ
cblr-9983	125	20	as	as	SCONJ
cblr-9983	125	21	we	we	PRON
cblr-9983	125	22	today	today	NOUN
cblr-9983	125	23	understand	understand	VERB
cblr-9983	125	24	regulation	regulation	NOUN
cblr-9983	125	25	to	to	PART
cblr-9983	125	26	be	be	AUX
cblr-9983	125	27	grounded	ground	VERB
cblr-9983	125	28	in	in	ADP
cblr-9983	125	29	a	a	DET
cblr-9983	125	30	set	set	NOUN
cblr-9983	125	31	of	of	ADP
cblr-9983	125	32	rules	rule	NOUN
cblr-9983	125	33	found	find	VERB
cblr-9983	125	34	in	in	ADP
cblr-9983	125	35	the	the	DET
cblr-9983	125	36	united	united	PROPN
cblr-9983	125	37	states	states	PROPN
cblr-9983	125	38	code	code	PROPN
cblr-9983	125	39	and	and	CCONJ
cblr-9983	125	40	the	the	DET
cblr-9983	125	41	code	code	NOUN
cblr-9983	125	42	of	of	ADP
cblr-9983	125	43	federal	federal	ADJ
cblr-9983	125	44	regulations.13	regulations.13	NOUN
cblr-9983	125	45	the	the	DET
cblr-9983	125	46	12	12	NUM
cblr-9983	125	47	terminology	terminology	NOUN
cblr-9983	125	48	can	can	AUX
cblr-9983	125	49	be	be	AUX
cblr-9983	125	50	confusing	confuse	VERB
cblr-9983	125	51	here	here	ADV
cblr-9983	125	52	,	,	PUNCT
cblr-9983	125	53	since	since	SCONJ
cblr-9983	125	54	bank	bank	NOUN
cblr-9983	125	55	“	"	PUNCT
cblr-9983	125	56	regulation	regulation	NOUN
cblr-9983	125	57	”	"	PUNCT
cblr-9983	125	58	is	be	AUX
cblr-9983	125	59	often	often	ADV
cblr-9983	125	60	used	use	VERB
cblr-9983	125	61	to	to	PART
cblr-9983	125	62	refer	refer	VERB
cblr-9983	125	63	both	both	PRON
cblr-9983	125	64	to	to	ADP
cblr-9983	125	65	the	the	DET
cblr-9983	125	66	whole	whole	ADJ
cblr-9983	125	67	enterprise	enterprise	NOUN
cblr-9983	125	68	of	of	ADP
cblr-9983	125	69	prudential	prudential	ADJ
cblr-9983	125	70	regulation	regulation	NOUN
cblr-9983	125	71	—	—	PUNCT
cblr-9983	125	72	including	include	VERB
cblr-9983	125	73	legislation	legislation	NOUN
cblr-9983	125	74	,	,	PUNCT
cblr-9983	125	75	notice	notice	NOUN
cblr-9983	125	76	-	-	PUNCT
cblr-9983	125	77	and	and	CCONJ
cblr-9983	125	78	-	-	PUNCT
cblr-9983	125	79	comment	comment	NOUN
cblr-9983	125	80	rules	rule	NOUN
cblr-9983	125	81	,	,	PUNCT
cblr-9983	125	82	and	and	CCONJ
cblr-9983	125	83	supervision	supervision	NOUN
cblr-9983	125	84	—	—	PUNCT
cblr-9983	125	85	and	and	CCONJ
cblr-9983	125	86	more	more	ADV
cblr-9983	125	87	narrowly	narrowly	ADV
cblr-9983	125	88	to	to	ADP
cblr-9983	125	89	the	the	DET
cblr-9983	125	90	set	set	NOUN
cblr-9983	125	91	of	of	ADP
cblr-9983	125	92	regulations	regulation	NOUN
cblr-9983	125	93	promulgated	promulgate	VERB
cblr-9983	125	94	by	by	ADP
cblr-9983	125	95	banking	banking	NOUN
cblr-9983	125	96	agencies	agency	NOUN
cblr-9983	125	97	and	and	CCONJ
cblr-9983	125	98	collected	collect	VERB
cblr-9983	125	99	in	in	ADP
cblr-9983	125	100	the	the	DET
cblr-9983	125	101	code	code	NOUN
cblr-9983	125	102	of	of	ADP
cblr-9983	125	103	federal	federal	ADJ
cblr-9983	125	104	regulations	regulation	NOUN
cblr-9983	125	105	.	.	PUNCT
cblr-9983	126	1	in	in	ADP
cblr-9983	126	2	this	this	DET
cblr-9983	126	3	article	article	NOUN
cblr-9983	126	4	,	,	PUNCT
cblr-9983	126	5	i	i	PRON
cblr-9983	126	6	will	will	AUX
cblr-9983	126	7	try	try	VERB
cblr-9983	126	8	to	to	PART
cblr-9983	126	9	avoid	avoid	VERB
cblr-9983	126	10	confusion	confusion	NOUN
cblr-9983	126	11	by	by	ADP
cblr-9983	126	12	using	use	VERB
cblr-9983	126	13	“	"	PUNCT
cblr-9983	126	14	regulation	regulation	NOUN
cblr-9983	126	15	”	"	PUNCT
cblr-9983	126	16	to	to	PART
cblr-9983	126	17	refer	refer	VERB
cblr-9983	126	18	to	to	ADP
cblr-9983	126	19	the	the	DET
cblr-9983	126	20	former	former	ADJ
cblr-9983	126	21	and	and	CCONJ
cblr-9983	126	22	“	"	PUNCT
cblr-9983	126	23	regulatory	regulatory	ADJ
cblr-9983	126	24	rules	rule	NOUN
cblr-9983	126	25	”	"	PUNCT
cblr-9983	126	26	to	to	PART
cblr-9983	126	27	refer	refer	VERB
cblr-9983	126	28	to	to	ADP
cblr-9983	126	29	the	the	DET
cblr-9983	126	30	latter	latter	ADJ
cblr-9983	126	31	.	.	PUNCT
cblr-9983	127	1	13	13	NUM
cblr-9983	127	2	the	the	DET
cblr-9983	127	3	states	state	NOUN
cblr-9983	127	4	and	and	CCONJ
cblr-9983	127	5	,	,	PUNCT
cblr-9983	127	6	following	follow	VERB
cblr-9983	127	7	passage	passage	NOUN
cblr-9983	127	8	of	of	ADP
cblr-9983	127	9	the	the	DET
cblr-9983	127	10	national	national	PROPN
cblr-9983	127	11	bank	bank	PROPN
cblr-9983	127	12	act	act	PROPN
cblr-9983	127	13	,	,	PUNCT
cblr-9983	127	14	act	act	NOUN
cblr-9983	127	15	of	of	ADP
cblr-9983	127	16	june	june	PROPN
cblr-9983	127	17	3	3	NUM
cblr-9983	127	18	,	,	PUNCT
cblr-9983	127	19	1864	1864	NUM
cblr-9983	127	20	,	,	PUNCT
cblr-9983	127	21	ch	ch	NOUN
cblr-9983	127	22	.	.	PROPN
cblr-9983	127	23	106	106	NUM
cblr-9983	127	24	,	,	PUNCT
cblr-9983	127	25	13	13	NUM
cblr-9983	127	26	stat	stat	NOUN
cblr-9983	127	27	.	.	PUNCT
cblr-9983	128	1	99	99	NUM
cblr-9983	128	2	,	,	PUNCT
cblr-9983	128	3	during	during	ADP
cblr-9983	128	4	the	the	DET
cblr-9983	128	5	civil	civil	ADJ
cblr-9983	128	6	war	war	NOUN
cblr-9983	128	7	,	,	PUNCT
cblr-9983	128	8	the	the	DET
cblr-9983	128	9	federal	federal	ADJ
cblr-9983	128	10	government	government	NOUN
cblr-9983	128	11	dispatched	dispatch	VERB
cblr-9983	128	12	examiners	examiner	NOUN
cblr-9983	128	13	to	to	PART
cblr-9983	128	14	be	be	AUX
cblr-9983	128	15	sure	sure	ADJ
cblr-9983	128	16	banks	bank	NOUN
cblr-9983	128	17	were	be	AUX
cblr-9983	128	18	meeting	meet	VERB
cblr-9983	128	19	the	the	DET
cblr-9983	128	20	conditions	condition	NOUN
cblr-9983	128	21	and	and	CCONJ
cblr-9983	128	22	requirements	requirement	NOUN
cblr-9983	128	23	under	under	ADP
cblr-9983	128	24	which	which	PRON
cblr-9983	128	25	they	they	PRON
cblr-9983	128	26	had	have	AUX
cblr-9983	128	27	been	be	AUX
cblr-9983	128	28	chartered	charter	VERB
cblr-9983	128	29	.	.	PUNCT
cblr-9983	129	1	for	for	ADP
cblr-9983	129	2	no	no	NOUN
cblr-9983	129	3	.	.	PUNCT
cblr-9983	130	1	1:279	1:279	NOUN
cblr-9983	130	2	]	]	X
cblr-9983	130	3	bank	bank	NOUN
cblr-9983	130	4	supervision	supervision	NOUN
cblr-9983	130	5	and	and	CCONJ
cblr-9983	130	6	administrative	administrative	ADJ
cblr-9983	130	7	law	law	NOUN
cblr-9983	130	8	287	287	NUM
cblr-9983	130	9	vestiges	vestige	NOUN
cblr-9983	130	10	of	of	ADP
cblr-9983	130	11	this	this	DET
cblr-9983	130	12	history	history	NOUN
cblr-9983	130	13	can	can	AUX
cblr-9983	130	14	be	be	AUX
cblr-9983	130	15	seen	see	VERB
cblr-9983	130	16	in	in	ADP
cblr-9983	130	17	the	the	DET
cblr-9983	130	18	organization	organization	NOUN
cblr-9983	130	19	and	and	CCONJ
cblr-9983	130	20	prominence	prominence	NOUN
cblr-9983	130	21	of	of	ADP
cblr-9983	130	22	supervision	supervision	NOUN
cblr-9983	130	23	within	within	ADP
cblr-9983	130	24	the	the	DET
cblr-9983	130	25	federal	federal	ADJ
cblr-9983	130	26	banking	banking	NOUN
cblr-9983	130	27	agencies	agency	NOUN
cblr-9983	130	28	.	.	PUNCT
cblr-9983	131	1	it	it	PRON
cblr-9983	131	2	is	be	AUX
cblr-9983	131	3	also	also	ADV
cblr-9983	131	4	reflected	reflect	VERB
cblr-9983	131	5	in	in	ADP
cblr-9983	131	6	the	the	DET
cblr-9983	131	7	statutes	statute	NOUN
cblr-9983	131	8	applicable	applicable	ADJ
cblr-9983	131	9	to	to	ADP
cblr-9983	131	10	banking	banking	NOUN
cblr-9983	131	11	organizations	organization	NOUN
cblr-9983	131	12	.	.	PUNCT
cblr-9983	132	1	contrary	contrary	ADJ
cblr-9983	132	2	to	to	ADP
cblr-9983	132	3	the	the	DET
cblr-9983	132	4	assertions	assertion	NOUN
cblr-9983	132	5	of	of	ADP
cblr-9983	132	6	some	some	DET
cblr-9983	132	7	representatives	representative	NOUN
cblr-9983	132	8	of	of	ADP
cblr-9983	132	9	banking	bank	VERB
cblr-9983	132	10	interests,14	interests,14	ADV
cblr-9983	132	11	the	the	DET
cblr-9983	132	12	supervisory	supervisory	ADJ
cblr-9983	132	13	role	role	NOUN
cblr-9983	132	14	of	of	ADP
cblr-9983	132	15	the	the	DET
cblr-9983	132	16	banking	banking	NOUN
cblr-9983	132	17	agencies	agency	NOUN
cblr-9983	132	18	is	be	AUX
cblr-9983	132	19	well	well	ADV
cblr-9983	132	20	-	-	PUNCT
cblr-9983	132	21	grounded	ground	VERB
cblr-9983	132	22	in	in	ADP
cblr-9983	132	23	law.15	law.15	NOUN
cblr-9983	132	24	statutory	statutory	ADJ
cblr-9983	132	25	provisions	provision	NOUN
cblr-9983	132	26	explicitly	explicitly	ADV
cblr-9983	132	27	assume	assume	VERB
cblr-9983	132	28	,	,	PUNCT
cblr-9983	132	29	and	and	CCONJ
cblr-9983	132	30	expect	expect	VERB
cblr-9983	132	31	,	,	PUNCT
cblr-9983	132	32	a	a	DET
cblr-9983	132	33	supervisory	supervisory	ADJ
cblr-9983	132	34	function	function	NOUN
cblr-9983	132	35	that	that	PRON
cblr-9983	132	36	is	be	AUX
cblr-9983	132	37	distinct	distinct	ADJ
cblr-9983	132	38	from	from	ADP
cblr-9983	132	39	regulation	regulation	NOUN
cblr-9983	132	40	and	and	CCONJ
cblr-9983	132	41	that	that	PRON
cblr-9983	132	42	reaches	reach	VERB
cblr-9983	132	43	well	well	ADJ
cblr-9983	132	44	discussions	discussion	NOUN
cblr-9983	132	45	of	of	ADP
cblr-9983	132	46	the	the	DET
cblr-9983	132	47	historical	historical	ADJ
cblr-9983	132	48	origins	origin	NOUN
cblr-9983	132	49	of	of	ADP
cblr-9983	132	50	bank	bank	NOUN
cblr-9983	132	51	supervision	supervision	NOUN
cblr-9983	132	52	in	in	ADP
cblr-9983	132	53	the	the	DET
cblr-9983	132	54	united	united	PROPN
cblr-9983	132	55	states	states	PROPN
cblr-9983	132	56	,	,	PUNCT
cblr-9983	132	57	see	see	VERB
cblr-9983	132	58	bray	bray	PROPN
cblr-9983	132	59	hammond	hammond	PROPN
cblr-9983	132	60	,	,	PUNCT
cblr-9983	132	61	banks	bank	NOUN
cblr-9983	132	62	and	and	CCONJ
cblr-9983	132	63	politics	politic	NOUN
cblr-9983	132	64	in	in	ADP
cblr-9983	132	65	america	america	PROPN
cblr-9983	132	66	from	from	ADP
cblr-9983	132	67	the	the	DET
cblr-9983	132	68	revolution	revolution	NOUN
cblr-9983	132	69	to	to	ADP
cblr-9983	132	70	the	the	DET
cblr-9983	132	71	civil	civil	ADJ
cblr-9983	132	72	war	war	NOUN
cblr-9983	132	73	(	(	PUNCT
cblr-9983	132	74	1957	1957	NUM
cblr-9983	132	75	)	)	PUNCT
cblr-9983	132	76	.	.	PUNCT
cblr-9983	133	1	the	the	DET
cblr-9983	133	2	early	early	ADJ
cblr-9983	133	3	evolution	evolution	NOUN
cblr-9983	133	4	of	of	ADP
cblr-9983	133	5	federal	federal	ADJ
cblr-9983	133	6	supervision	supervision	NOUN
cblr-9983	133	7	by	by	ADP
cblr-9983	133	8	the	the	DET
cblr-9983	133	9	comptroller	comptroller	NOUN
cblr-9983	133	10	is	be	AUX
cblr-9983	133	11	recounted	recount	VERB
cblr-9983	133	12	in	in	ADP
cblr-9983	133	13	ross	ross	PROPN
cblr-9983	133	14	m.	m.	PROPN
cblr-9983	133	15	robertson	robertson	PROPN
cblr-9983	133	16	,	,	PUNCT
cblr-9983	133	17	the	the	DET
cblr-9983	133	18	comptroller	comptroller	NOUN
cblr-9983	133	19	and	and	CCONJ
cblr-9983	133	20	bank	bank	NOUN
cblr-9983	133	21	supervision	supervision	NOUN
cblr-9983	133	22	:	:	PUNCT
cblr-9983	133	23	a	a	DET
cblr-9983	133	24	historical	historical	ADJ
cblr-9983	133	25	appraisal	appraisal	NOUN
cblr-9983	133	26	(	(	PUNCT
cblr-9983	133	27	1995	1995	NUM
cblr-9983	133	28	)	)	PUNCT
cblr-9983	133	29	.	.	PUNCT
cblr-9983	134	1	for	for	ADP
cblr-9983	134	2	a	a	DET
cblr-9983	134	3	recent	recent	ADJ
cblr-9983	134	4	historical	historical	ADJ
cblr-9983	134	5	account	account	NOUN
cblr-9983	134	6	showing	show	VERB
cblr-9983	134	7	the	the	DET
cblr-9983	134	8	far	far	ADV
cblr-9983	134	9	-	-	PUNCT
cblr-9983	134	10	reaching	reach	VERB
cblr-9983	134	11	role	role	NOUN
cblr-9983	134	12	contemplated	contemplate	VERB
cblr-9983	134	13	for	for	ADP
cblr-9983	134	14	supervision	supervision	NOUN
cblr-9983	134	15	,	,	PUNCT
cblr-9983	134	16	see	see	VERB
cblr-9983	134	17	lev	lev	PROPN
cblr-9983	134	18	menand	menand	PROPN
cblr-9983	134	19	,	,	PUNCT
cblr-9983	134	20	why	why	SCONJ
cblr-9983	134	21	supervise	supervise	VERB
cblr-9983	134	22	banks	bank	NOUN
cblr-9983	134	23	?	?	PUNCT
cblr-9983	135	1	the	the	DET
cblr-9983	135	2	foundations	foundation	NOUN
cblr-9983	135	3	of	of	ADP
cblr-9983	135	4	the	the	DET
cblr-9983	135	5	american	american	PROPN
cblr-9983	135	6	monetary	monetary	PROPN
cblr-9983	135	7	settlement	settlement	NOUN
cblr-9983	135	8	,	,	PUNCT
cblr-9983	135	9	74	74	NUM
cblr-9983	135	10	vand	vand	NOUN
cblr-9983	135	11	.	.	PUNCT
cblr-9983	136	1	l.	l.	PROPN
cblr-9983	136	2	rev	rev	PROPN
cblr-9983	136	3	.	.	PROPN
cblr-9983	136	4	951	951	NUM
cblr-9983	136	5	(	(	PUNCT
cblr-9983	136	6	2021	2021	NUM
cblr-9983	136	7	)	)	PUNCT
cblr-9983	136	8	.	.	PUNCT
cblr-9983	137	1	14	14	NUM
cblr-9983	137	2	a	a	DET
cblr-9983	137	3	lawyer	lawyer	NOUN
cblr-9983	137	4	whose	whose	DET
cblr-9983	137	5	firm	firm	NOUN
cblr-9983	137	6	regularly	regularly	ADV
cblr-9983	137	7	represents	represent	VERB
cblr-9983	137	8	large	large	ADJ
cblr-9983	137	9	banks	bank	NOUN
cblr-9983	137	10	and	and	CCONJ
cblr-9983	137	11	the	the	DET
cblr-9983	137	12	president	president	NOUN
cblr-9983	137	13	of	of	ADP
cblr-9983	137	14	an	an	DET
cblr-9983	137	15	organization	organization	NOUN
cblr-9983	137	16	that	that	PRON
cblr-9983	137	17	describes	describe	VERB
cblr-9983	137	18	itself	itself	PRON
cblr-9983	137	19	as	as	ADP
cblr-9983	137	20	“	"	PUNCT
cblr-9983	137	21	conducting	conduct	VERB
cblr-9983	137	22	research	research	NOUN
cblr-9983	137	23	and	and	CCONJ
cblr-9983	137	24	advocacy	advocacy	NOUN
cblr-9983	137	25	on	on	ADP
cblr-9983	137	26	behalf	behalf	NOUN
cblr-9983	137	27	of	of	ADP
cblr-9983	137	28	america	america	PROPN
cblr-9983	137	29	’s	’s	PART
cblr-9983	137	30	leading	lead	VERB
cblr-9983	137	31	banks	bank	NOUN
cblr-9983	137	32	”	"	PUNCT
cblr-9983	137	33	testified	testify	VERB
cblr-9983	137	34	before	before	ADP
cblr-9983	137	35	the	the	DET
cblr-9983	137	36	senate	senate	PROPN
cblr-9983	137	37	banking	banking	PROPN
cblr-9983	137	38	committee	committee	PROPN
cblr-9983	137	39	.	.	PUNCT
cblr-9983	138	1	greg	greg	PROPN
cblr-9983	138	2	baer	baer	PROPN
cblr-9983	138	3	,	,	PUNCT
cblr-9983	138	4	welcome	welcome	ADJ
cblr-9983	138	5	to	to	ADP
cblr-9983	138	6	the	the	DET
cblr-9983	138	7	bank	bank	NOUN
cblr-9983	138	8	policy	policy	PROPN
cblr-9983	138	9	institute	institute	PROPN
cblr-9983	138	10	,	,	PUNCT
cblr-9983	138	11	bank	bank	NOUN
cblr-9983	138	12	pol’y	pol’y	NOUN
cblr-9983	138	13	inst	inst	NOUN
cblr-9983	138	14	.	.	PUNCT
cblr-9983	139	1	(	(	PUNCT
cblr-9983	139	2	july	july	PROPN
cblr-9983	139	3	16	16	NUM
cblr-9983	139	4	,	,	PUNCT
cblr-9983	139	5	2018	2018	NUM
cblr-9983	139	6	)	)	PUNCT
cblr-9983	139	7	,	,	PUNCT
cblr-9983	139	8	https://bpi.com/welcome/	https://bpi.com/welcome/	NOUN
cblr-9983	139	9	[	[	X
cblr-9983	139	10	https://perma.cc/yme9-3h2q	https://perma.cc/yme9-3h2q	X
cblr-9983	139	11	]	]	PUNCT
cblr-9983	139	12	.	.	PUNCT
cblr-9983	140	1	they	they	PRON
cblr-9983	140	2	claimed	claim	VERB
cblr-9983	140	3	,	,	PUNCT
cblr-9983	140	4	respectively	respectively	ADV
cblr-9983	140	5	,	,	PUNCT
cblr-9983	140	6	that	that	SCONJ
cblr-9983	140	7	“	"	PUNCT
cblr-9983	140	8	[	[	X
cblr-9983	140	9	t]he	t]he	ADV
cblr-9983	140	10	word	word	NOUN
cblr-9983	140	11	supervision	supervision	NOUN
cblr-9983	140	12	.	.	PUNCT
cblr-9983	140	13	.	.	PUNCT
cblr-9983	141	1	.	.	PUNCT
cblr-9983	141	2	appears	appear	VERB
cblr-9983	141	3	nowhere	nowhere	ADV
cblr-9983	141	4	in	in	ADP
cblr-9983	141	5	the	the	DET
cblr-9983	141	6	legal	legal	ADJ
cblr-9983	141	7	framework	framework	NOUN
cblr-9983	141	8	governing	govern	VERB
cblr-9983	141	9	the	the	DET
cblr-9983	141	10	banking	banking	NOUN
cblr-9983	141	11	sector	sector	NOUN
cblr-9983	142	1	[	[	X
cblr-9983	142	2	]	]	X
cblr-9983	142	3	”	"	PUNCT
cblr-9983	142	4	or	or	CCONJ
cblr-9983	142	5	“	"	PUNCT
cblr-9983	142	6	the	the	DET
cblr-9983	142	7	authorizing	authorize	VERB
cblr-9983	142	8	statutes	statute	NOUN
cblr-9983	142	9	for	for	ADP
cblr-9983	142	10	the	the	DET
cblr-9983	142	11	examination	examination	NOUN
cblr-9983	142	12	process	process	NOUN
cblr-9983	142	13	.	.	PUNCT
cblr-9983	142	14	”	"	PUNCT
cblr-9983	143	1	tahyar	tahyar	NOUN
cblr-9983	143	2	testimony	testimony	NOUN
cblr-9983	143	3	,	,	PUNCT
cblr-9983	143	4	supra	supra	PROPN
cblr-9983	143	5	note	note	NOUN
cblr-9983	143	6	9	9	NUM
cblr-9983	143	7	;	;	PUNCT
cblr-9983	143	8	guidance	guidance	NOUN
cblr-9983	143	9	,	,	PUNCT
cblr-9983	143	10	supervisory	supervisory	ADJ
cblr-9983	143	11	expectations	expectation	NOUN
cblr-9983	143	12	,	,	PUNCT
cblr-9983	143	13	and	and	CCONJ
cblr-9983	143	14	the	the	DET
cblr-9983	143	15	rule	rule	NOUN
cblr-9983	143	16	of	of	ADP
cblr-9983	143	17	law	law	NOUN
cblr-9983	143	18	:	:	PUNCT
cblr-9983	143	19	how	how	SCONJ
cblr-9983	143	20	do	do	AUX
cblr-9983	143	21	the	the	DET
cblr-9983	143	22	banking	banking	NOUN
cblr-9983	143	23	agencies	agency	NOUN
cblr-9983	143	24	regulate	regulate	VERB
cblr-9983	143	25	and	and	CCONJ
cblr-9983	143	26	supervise	supervise	VERB
cblr-9983	143	27	institutions	institution	NOUN
cblr-9983	143	28	?	?	PUNCT
cblr-9983	143	29	:	:	PUNCT
cblr-9983	144	1	hearing	hear	VERB
cblr-9983	144	2	before	before	ADP
cblr-9983	144	3	the	the	DET
cblr-9983	144	4	s.	s.	PROPN
cblr-9983	144	5	comm	comm	NOUN
cblr-9983	144	6	.	.	PUNCT
cblr-9983	145	1	on	on	ADP
cblr-9983	145	2	banking	banking	NOUN
cblr-9983	145	3	,	,	PUNCT
cblr-9983	145	4	hous	hous	ADJ
cblr-9983	145	5	.	.	PUNCT
cblr-9983	145	6	,	,	PUNCT
cblr-9983	145	7	&	&	CCONJ
cblr-9983	145	8	urban	urban	PROPN
cblr-9983	145	9	aff	aff	PROPN
cblr-9983	145	10	.	.	PROPN
cblr-9983	145	11	,	,	PUNCT
cblr-9983	145	12	116th	116th	PROPN
cblr-9983	145	13	cong	cong	NOUN
cblr-9983	145	14	.	.	PUNCT
cblr-9983	145	15	30	30	NUM
cblr-9983	145	16	(	(	PUNCT
cblr-9983	145	17	2019	2019	NUM
cblr-9983	145	18	)	)	PUNCT
cblr-9983	146	1	[	[	X
cblr-9983	146	2	hereinafter	hereinafter	NOUN
cblr-9983	146	3	baer	baer	PROPN
cblr-9983	146	4	testimony	testimony	NOUN
cblr-9983	146	5	]	]	PUNCT
cblr-9983	146	6	(	(	PUNCT
cblr-9983	146	7	statement	statement	NOUN
cblr-9983	146	8	of	of	ADP
cblr-9983	146	9	greg	greg	PROPN
cblr-9983	146	10	baer	baer	PROPN
cblr-9983	146	11	,	,	PUNCT
cblr-9983	146	12	president	president	NOUN
cblr-9983	146	13	,	,	PUNCT
cblr-9983	146	14	bank	bank	NOUN
cblr-9983	146	15	pol’y	pol’y	NOUN
cblr-9983	146	16	inst	inst	PROPN
cblr-9983	146	17	.	.	PUNCT
cblr-9983	146	18	)	)	PUNCT
cblr-9983	146	19	.	.	PUNCT
cblr-9983	147	1	both	both	DET
cblr-9983	147	2	mr	mr	PROPN
cblr-9983	147	3	.	.	PROPN
cblr-9983	147	4	baer	baer	PROPN
cblr-9983	147	5	and	and	CCONJ
cblr-9983	147	6	ms	ms	PROPN
cblr-9983	147	7	.	.	PROPN
cblr-9983	147	8	tahyar	tahyar	PROPN
cblr-9983	147	9	are	be	AUX
cblr-9983	147	10	wrong	wrong	ADJ
cblr-9983	147	11	.	.	PUNCT
cblr-9983	148	1	an	an	DET
cblr-9983	148	2	obvious	obvious	ADJ
cblr-9983	148	3	example	example	NOUN
cblr-9983	148	4	is	be	AUX
cblr-9983	148	5	in	in	ADP
cblr-9983	148	6	the	the	DET
cblr-9983	148	7	legislation	legislation	NOUN
cblr-9983	148	8	creating	create	VERB
cblr-9983	148	9	the	the	DET
cblr-9983	148	10	federal	federal	ADJ
cblr-9983	148	11	financial	financial	ADJ
cblr-9983	148	12	institutions	institution	NOUN
cblr-9983	148	13	examination	examination	PROPN
cblr-9983	148	14	council	council	PROPN
cblr-9983	148	15	,	,	PUNCT
cblr-9983	148	16	described	describe	VERB
cblr-9983	148	17	infra	infra	NOUN
cblr-9983	148	18	,	,	PUNCT
cblr-9983	148	19	notes	note	VERB
cblr-9983	148	20	78–83	78–83	NUM
cblr-9983	148	21	and	and	CCONJ
cblr-9983	148	22	accompanying	accompany	VERB
cblr-9983	148	23	text	text	NOUN
cblr-9983	148	24	,	,	PUNCT
cblr-9983	148	25	which	which	PRON
cblr-9983	148	26	included	include	VERB
cblr-9983	148	27	in	in	ADP
cblr-9983	148	28	its	its	PRON
cblr-9983	148	29	instructions	instruction	NOUN
cblr-9983	148	30	to	to	ADP
cblr-9983	148	31	the	the	DET
cblr-9983	148	32	new	new	ADJ
cblr-9983	148	33	council	council	NOUN
cblr-9983	148	34	“	"	PUNCT
cblr-9983	148	35	recommendations	recommendation	NOUN
cblr-9983	148	36	to	to	PART
cblr-9983	148	37	promote	promote	VERB
cblr-9983	148	38	uniformity	uniformity	NOUN
cblr-9983	148	39	in	in	ADP
cblr-9983	148	40	the	the	DET
cblr-9983	148	41	supervision	supervision	NOUN
cblr-9983	148	42	of	of	ADP
cblr-9983	148	43	”	"	PUNCT
cblr-9983	148	44	depository	depository	NOUN
cblr-9983	148	45	institutions	institution	NOUN
cblr-9983	148	46	.	.	PUNCT
cblr-9983	149	1	financial	financial	ADJ
cblr-9983	149	2	institutions	institution	NOUN
cblr-9983	149	3	regulatory	regulatory	ADJ
cblr-9983	149	4	and	and	CCONJ
cblr-9983	149	5	interstate	interstate	ADJ
cblr-9983	149	6	rate	rate	NOUN
cblr-9983	149	7	control	control	PROPN
cblr-9983	149	8	act	act	PROPN
cblr-9983	149	9	of	of	ADP
cblr-9983	149	10	1978	1978	NUM
cblr-9983	149	11	,	,	PUNCT
cblr-9983	149	12	pub	pub	NOUN
cblr-9983	149	13	.	.	PUNCT
cblr-9983	150	1	l.	l.	PROPN
cblr-9983	150	2	no	no	INTJ
cblr-9983	150	3	.	.	PROPN
cblr-9983	151	1	95	95	NUM
cblr-9983	151	2	-	-	SYM
cblr-9983	151	3	630	630	NUM
cblr-9983	151	4	,	,	PUNCT
cblr-9983	151	5	§	§	PROPN
cblr-9983	151	6	1002	1002	NUM
cblr-9983	151	7	,	,	PUNCT
cblr-9983	151	8	92	92	NUM
cblr-9983	151	9	stat	stat	NOUN
cblr-9983	151	10	.	.	PUNCT
cblr-9983	152	1	3641	3641	NUM
cblr-9983	152	2	,	,	PUNCT
cblr-9983	152	3	3694	3694	NUM
cblr-9983	152	4	(	(	PUNCT
cblr-9983	152	5	codified	codify	VERB
cblr-9983	152	6	at	at	ADP
cblr-9983	152	7	12	12	NUM
cblr-9983	152	8	u.s.c	u.s.c	NOUN
cblr-9983	152	9	.	.	PUNCT
cblr-9983	153	1	§	§	PROPN
cblr-9983	153	2	3301	3301	NUM
cblr-9983	153	3	)	)	PUNCT
cblr-9983	153	4	.	.	PUNCT
cblr-9983	154	1	more	more	ADV
cblr-9983	154	2	broadly	broadly	ADV
cblr-9983	154	3	,	,	PUNCT
cblr-9983	154	4	the	the	DET
cblr-9983	154	5	words	word	NOUN
cblr-9983	154	6	“	"	PUNCT
cblr-9983	154	7	supervisory	supervisory	ADJ
cblr-9983	154	8	”	"	PUNCT
cblr-9983	154	9	and	and	CCONJ
cblr-9983	154	10	“	"	PUNCT
cblr-9983	154	11	supervisors	supervisor	NOUN
cblr-9983	154	12	”	"	PUNCT
cblr-9983	154	13	appear	appear	VERB
cblr-9983	154	14	literally	literally	ADV
cblr-9983	154	15	dozens	dozen	NOUN
cblr-9983	154	16	of	of	ADP
cblr-9983	154	17	times	time	NOUN
cblr-9983	154	18	in	in	ADP
cblr-9983	154	19	the	the	DET
cblr-9983	154	20	u.s	u.s	PROPN
cblr-9983	154	21	.	.	PROPN
cblr-9983	154	22	code	code	PROPN
cblr-9983	154	23	.	.	PUNCT
cblr-9983	155	1	see	see	VERB
cblr-9983	155	2	,	,	PUNCT
cblr-9983	155	3	e.g.	e.g.	ADV
cblr-9983	155	4	,	,	PUNCT
cblr-9983	155	5	infra	infra	NOUN
cblr-9983	155	6	notes	note	VERB
cblr-9983	155	7	17–26	17–26	NUM
cblr-9983	155	8	and	and	CCONJ
cblr-9983	155	9	accompanying	accompany	VERB
cblr-9983	155	10	text	text	NOUN
cblr-9983	155	11	.	.	PUNCT
cblr-9983	156	1	15	15	NUM
cblr-9983	156	2	as	as	SCONJ
cblr-9983	156	3	explained	explain	VERB
cblr-9983	156	4	in	in	ADP
cblr-9983	156	5	infra	infra	NOUN
cblr-9983	156	6	part	part	PROPN
cblr-9983	156	7	iii	iii	PROPN
cblr-9983	156	8	,	,	PUNCT
cblr-9983	156	9	contrary	contrary	ADV
cblr-9983	156	10	to	to	ADP
cblr-9983	156	11	the	the	DET
cblr-9983	156	12	arguments	argument	NOUN
cblr-9983	156	13	cited	cite	VERB
cblr-9983	156	14	in	in	ADP
cblr-9983	156	15	the	the	DET
cblr-9983	156	16	preceding	precede	VERB
cblr-9983	156	17	footnote	footnote	NOUN
cblr-9983	156	18	,	,	PUNCT
cblr-9983	156	19	supra	supra	PROPN
cblr-9983	156	20	note	note	NOUN
cblr-9983	156	21	14	14	NUM
cblr-9983	156	22	,	,	PUNCT
cblr-9983	156	23	much	much	ADJ
cblr-9983	156	24	of	of	ADP
cblr-9983	156	25	current	current	ADJ
cblr-9983	156	26	bank	bank	NOUN
cblr-9983	156	27	supervisory	supervisory	ADJ
cblr-9983	156	28	practice	practice	NOUN
cblr-9983	156	29	is	be	AUX
cblr-9983	156	30	consistent	consistent	ADJ
cblr-9983	156	31	with	with	ADP
cblr-9983	156	32	current	current	ADJ
cblr-9983	156	33	,	,	PUNCT
cblr-9983	156	34	trans	trans	ADJ
cblr-9983	156	35	-	-	ADJ
cblr-9983	156	36	substantive	substantive	ADJ
cblr-9983	156	37	understandings	understanding	NOUN
cblr-9983	156	38	of	of	ADP
cblr-9983	156	39	administrative	administrative	ADJ
cblr-9983	156	40	law	law	NOUN
cblr-9983	156	41	.	.	PUNCT
cblr-9983	157	1	once	once	SCONJ
cblr-9983	157	2	the	the	DET
cblr-9983	157	3	statutory	statutory	PROPN
cblr-9983	157	4	foundation	foundation	PROPN
cblr-9983	157	5	of	of	ADP
cblr-9983	157	6	supervision	supervision	NOUN
cblr-9983	157	7	is	be	AUX
cblr-9983	157	8	considered	consider	VERB
cblr-9983	157	9	,	,	PUNCT
cblr-9983	157	10	the	the	DET
cblr-9983	157	11	argument	argument	NOUN
cblr-9983	157	12	for	for	ADP
cblr-9983	157	13	its	its	PRON
cblr-9983	157	14	validity	validity	NOUN
cblr-9983	157	15	becomes	become	VERB
cblr-9983	157	16	even	even	ADV
cblr-9983	157	17	stronger	strong	ADJ
cblr-9983	157	18	.	.	PUNCT
cblr-9983	158	1	288	288	NUM
cblr-9983	158	2	columbia	columbia	PROPN
cblr-9983	158	3	business	business	NOUN
cblr-9983	158	4	law	law	PROPN
cblr-9983	158	5	review	review	NOUN
cblr-9983	158	6	[	[	X
cblr-9983	158	7	vol	vol	NOUN
cblr-9983	158	8	.	.	PUNCT
cblr-9983	158	9	2022	2022	NUM
cblr-9983	158	10	beyond	beyond	ADP
cblr-9983	158	11	enforcement	enforcement	NOUN
cblr-9983	158	12	of	of	ADP
cblr-9983	158	13	regulatory	regulatory	ADJ
cblr-9983	158	14	rules.16	rules.16	PROPN
cblr-9983	158	15	the	the	DET
cblr-9983	158	16	federal	federal	PROPN
cblr-9983	158	17	reserve	reserve	PROPN
cblr-9983	158	18	act	act	PROPN
cblr-9983	158	19	prohibits	prohibit	VERB
cblr-9983	158	20	the	the	DET
cblr-9983	158	21	board	board	NOUN
cblr-9983	158	22	of	of	ADP
cblr-9983	158	23	governors	governor	NOUN
cblr-9983	158	24	from	from	ADP
cblr-9983	158	25	delegating	delegate	VERB
cblr-9983	158	26	to	to	ADP
cblr-9983	158	27	the	the	DET
cblr-9983	158	28	regional	regional	PROPN
cblr-9983	158	29	reserve	reserve	PROPN
cblr-9983	158	30	banks	bank	NOUN
cblr-9983	158	31	its	its	PRON
cblr-9983	158	32	functions	function	NOUN
cblr-9983	158	33	“	"	PUNCT
cblr-9983	158	34	for	for	ADP
cblr-9983	158	35	the	the	DET
cblr-9983	158	36	establishment	establishment	NOUN
cblr-9983	158	37	of	of	ADP
cblr-9983	158	38	policies	policy	NOUN
cblr-9983	158	39	for	for	ADP
cblr-9983	158	40	the	the	DET
cblr-9983	158	41	supervision	supervision	NOUN
cblr-9983	158	42	and	and	CCONJ
cblr-9983	158	43	regulation	regulation	NOUN
cblr-9983	158	44	of	of	ADP
cblr-9983	158	45	depository	depository	NOUN
cblr-9983	158	46	institution	institution	NOUN
cblr-9983	158	47	holding	hold	VERB
cblr-9983	158	48	companies	company	NOUN
cblr-9983	158	49	”	"	PUNCT
cblr-9983	158	50	and	and	CCONJ
cblr-9983	158	51	requires	require	VERB
cblr-9983	158	52	the	the	DET
cblr-9983	158	53	board	board	NOUN
cblr-9983	158	54	of	of	ADP
cblr-9983	158	55	governors	governor	NOUN
cblr-9983	158	56	to	to	PART
cblr-9983	158	57	assess	assess	VERB
cblr-9983	158	58	such	such	ADJ
cblr-9983	158	59	fees	fee	NOUN
cblr-9983	158	60	on	on	ADP
cblr-9983	158	61	large	large	ADJ
cblr-9983	158	62	bank	bank	NOUN
cblr-9983	158	63	holding	hold	VERB
cblr-9983	158	64	companies	company	NOUN
cblr-9983	158	65	as	as	ADP
cblr-9983	158	66	“	"	PUNCT
cblr-9983	158	67	are	be	AUX
cblr-9983	158	68	necessary	necessary	ADJ
cblr-9983	158	69	or	or	CCONJ
cblr-9983	158	70	appropriate	appropriate	ADJ
cblr-9983	158	71	to	to	PART
cblr-9983	158	72	carry	carry	VERB
cblr-9983	158	73	out	out	ADP
cblr-9983	158	74	the	the	DET
cblr-9983	158	75	supervisory	supervisory	ADJ
cblr-9983	158	76	and	and	CCONJ
cblr-9983	158	77	regulatory	regulatory	ADJ
cblr-9983	158	78	responsibilities	responsibility	NOUN
cblr-9983	158	79	of	of	ADP
cblr-9983	158	80	the	the	DET
cblr-9983	158	81	board	board	NOUN
cblr-9983	158	82	.	.	PUNCT
cblr-9983	159	1	”17	”17	PROPN
cblr-9983	159	2	whenever	whenever	SCONJ
cblr-9983	159	3	the	the	DET
cblr-9983	159	4	deposit	deposit	NOUN
cblr-9983	159	5	insurance	insurance	NOUN
cblr-9983	159	6	fund	fund	NOUN
cblr-9983	159	7	operated	operate	VERB
cblr-9983	159	8	by	by	ADP
cblr-9983	159	9	the	the	DET
cblr-9983	159	10	fdic	fdic	PROPN
cblr-9983	159	11	suffers	suffer	VERB
cblr-9983	159	12	a	a	DET
cblr-9983	159	13	“	"	PUNCT
cblr-9983	159	14	material	material	ADJ
cblr-9983	159	15	loss	loss	NOUN
cblr-9983	159	16	”	"	PUNCT
cblr-9983	159	17	because	because	SCONJ
cblr-9983	159	18	of	of	ADP
cblr-9983	159	19	the	the	DET
cblr-9983	159	20	failure	failure	NOUN
cblr-9983	159	21	of	of	ADP
cblr-9983	159	22	a	a	DET
cblr-9983	159	23	bank	bank	NOUN
cblr-9983	159	24	,	,	PUNCT
cblr-9983	159	25	the	the	DET
cblr-9983	159	26	inspector	inspector	NOUN
cblr-9983	159	27	general	general	NOUN
cblr-9983	159	28	of	of	ADP
cblr-9983	159	29	the	the	DET
cblr-9983	159	30	relevant	relevant	ADJ
cblr-9983	159	31	federal	federal	ADJ
cblr-9983	159	32	banking	banking	NOUN
cblr-9983	159	33	agency	agency	NOUN
cblr-9983	159	34	must	must	AUX
cblr-9983	159	35	make	make	VERB
cblr-9983	159	36	a	a	DET
cblr-9983	159	37	report	report	NOUN
cblr-9983	159	38	“	"	PUNCT
cblr-9983	159	39	reviewing	review	VERB
cblr-9983	159	40	the	the	DET
cblr-9983	159	41	agency	agency	NOUN
cblr-9983	159	42	’s	’s	PART
cblr-9983	159	43	supervision	supervision	NOUN
cblr-9983	159	44	of	of	ADP
cblr-9983	159	45	the	the	DET
cblr-9983	159	46	institution	institution	NOUN
cblr-9983	159	47	”	"	PUNCT
cblr-9983	159	48	to	to	PART
cblr-9983	159	49	determine	determine	VERB
cblr-9983	159	50	the	the	DET
cblr-9983	159	51	causes	cause	NOUN
cblr-9983	159	52	of	of	ADP
cblr-9983	159	53	the	the	DET
cblr-9983	159	54	loss	loss	NOUN
cblr-9983	159	55	and	and	CCONJ
cblr-9983	159	56	to	to	PART
cblr-9983	159	57	make	make	VERB
cblr-9983	159	58	recommendations	recommendation	NOUN
cblr-9983	159	59	to	to	ADP
cblr-9983	159	60	the	the	DET
cblr-9983	159	61	agency	agency	NOUN
cblr-9983	159	62	for	for	ADP
cblr-9983	159	63	preventing	prevent	VERB
cblr-9983	159	64	future	future	ADJ
cblr-9983	159	65	such	such	ADJ
cblr-9983	159	66	losses.18	losses.18	NOUN
cblr-9983	159	67	in	in	ADP
cblr-9983	159	68	1994	1994	NUM
cblr-9983	159	69	,	,	PUNCT
cblr-9983	159	70	congress	congress	PROPN
cblr-9983	159	71	required	require	VERB
cblr-9983	159	72	each	each	DET
cblr-9983	159	73	federal	federal	ADJ
cblr-9983	159	74	banking	banking	NOUN
cblr-9983	159	75	16	16	NUM
cblr-9983	159	76	as	as	ADP
cblr-9983	159	77	with	with	ADP
cblr-9983	159	78	banking	banking	NOUN
cblr-9983	159	79	“	"	PUNCT
cblr-9983	159	80	regulation	regulation	NOUN
cblr-9983	159	81	,	,	PUNCT
cblr-9983	159	82	”	"	PUNCT
cblr-9983	159	83	the	the	DET
cblr-9983	159	84	term	term	NOUN
cblr-9983	159	85	“	"	PUNCT
cblr-9983	159	86	supervise	supervise	NOUN
cblr-9983	159	87	”	"	PUNCT
cblr-9983	159	88	and	and	CCONJ
cblr-9983	159	89	its	its	PRON
cblr-9983	159	90	variants	variant	NOUN
cblr-9983	159	91	are	be	AUX
cblr-9983	159	92	sometimes	sometimes	ADV
cblr-9983	159	93	used	use	VERB
cblr-9983	159	94	more	more	ADV
cblr-9983	159	95	generically	generically	ADV
cblr-9983	159	96	to	to	PART
cblr-9983	159	97	refer	refer	VERB
cblr-9983	159	98	to	to	ADP
cblr-9983	159	99	a	a	DET
cblr-9983	159	100	banking	banking	NOUN
cblr-9983	159	101	agency	agency	NOUN
cblr-9983	159	102	or	or	CCONJ
cblr-9983	159	103	to	to	PART
cblr-9983	159	104	specify	specify	VERB
cblr-9983	159	105	firms	firm	NOUN
cblr-9983	159	106	covered	cover	VERB
cblr-9983	159	107	by	by	ADP
cblr-9983	159	108	a	a	DET
cblr-9983	159	109	statutory	statutory	ADJ
cblr-9983	159	110	provision	provision	NOUN
cblr-9983	159	111	,	,	PUNCT
cblr-9983	159	112	as	as	ADP
cblr-9983	159	113	in	in	ADP
cblr-9983	159	114	“	"	PUNCT
cblr-9983	159	115	large	large	ADJ
cblr-9983	159	116	interconnected	interconnected	ADJ
cblr-9983	159	117	bank	bank	NOUN
cblr-9983	159	118	holding	hold	VERB
cblr-9983	159	119	companies	company	NOUN
cblr-9983	159	120	supervised	supervise	VERB
cblr-9983	159	121	by	by	ADP
cblr-9983	159	122	the	the	DET
cblr-9983	159	123	board	board	NOUN
cblr-9983	159	124	of	of	ADP
cblr-9983	159	125	governors	governor	NOUN
cblr-9983	159	126	.	.	PUNCT
cblr-9983	159	127	”	"	PUNCT
cblr-9983	160	1	12	12	NUM
cblr-9983	160	2	u.s.c	u.s.c	NOUN
cblr-9983	160	3	.	.	PUNCT
cblr-9983	161	1	§	§	PROPN
cblr-9983	161	2	5322(a)(2)(i	5322(a)(2)(i	NUM
cblr-9983	161	3	)	)	PUNCT
cblr-9983	161	4	(	(	PUNCT
cblr-9983	161	5	2018	2018	NUM
cblr-9983	161	6	)	)	PUNCT
cblr-9983	161	7	.	.	PUNCT
cblr-9983	162	1	the	the	DET
cblr-9983	162	2	statutory	statutory	ADJ
cblr-9983	162	3	provisions	provision	NOUN
cblr-9983	162	4	cited	cite	VERB
cblr-9983	162	5	in	in	ADP
cblr-9983	162	6	the	the	DET
cblr-9983	162	7	text	text	NOUN
cblr-9983	162	8	and	and	CCONJ
cblr-9983	162	9	accompanying	accompany	VERB
cblr-9983	162	10	footnotes	footnote	NOUN
cblr-9983	162	11	that	that	PRON
cblr-9983	162	12	follow	follow	VERB
cblr-9983	162	13	all	all	PRON
cblr-9983	162	14	are	be	AUX
cblr-9983	162	15	used	use	VERB
cblr-9983	162	16	in	in	ADP
cblr-9983	162	17	the	the	DET
cblr-9983	162	18	more	more	ADV
cblr-9983	162	19	precise	precise	ADJ
cblr-9983	162	20	sense	sense	NOUN
cblr-9983	162	21	,	,	PUNCT
cblr-9983	162	22	drawing	draw	VERB
cblr-9983	162	23	distinctions	distinction	NOUN
cblr-9983	162	24	between	between	ADP
cblr-9983	162	25	supervision	supervision	NOUN
cblr-9983	162	26	,	,	PUNCT
cblr-9983	162	27	on	on	ADP
cblr-9983	162	28	the	the	DET
cblr-9983	162	29	one	one	NUM
cblr-9983	162	30	hand	hand	NOUN
cblr-9983	162	31	,	,	PUNCT
cblr-9983	162	32	and	and	CCONJ
cblr-9983	162	33	regulation	regulation	NOUN
cblr-9983	162	34	,	,	PUNCT
cblr-9983	162	35	enforcement	enforcement	NOUN
cblr-9983	162	36	,	,	PUNCT
cblr-9983	162	37	or	or	CCONJ
cblr-9983	162	38	examination	examination	NOUN
cblr-9983	162	39	on	on	ADP
cblr-9983	162	40	the	the	DET
cblr-9983	162	41	other	other	ADJ
cblr-9983	162	42	.	.	PUNCT
cblr-9983	163	1	17	17	NUM
cblr-9983	163	2	federal	federal	PROPN
cblr-9983	163	3	reserve	reserve	PROPN
cblr-9983	163	4	act	act	PROPN
cblr-9983	163	5	of	of	ADP
cblr-9983	163	6	1913	1913	NUM
cblr-9983	163	7	§	§	PROPN
cblr-9983	163	8	11	11	NUM
cblr-9983	163	9	,	,	PUNCT
cblr-9983	163	10	12	12	NUM
cblr-9983	163	11	u.s.c	u.s.c	ADJ
cblr-9983	163	12	.	.	PUNCT
cblr-9983	164	1	§	§	PROPN
cblr-9983	164	2	§	§	PROPN
cblr-9983	164	3	248(k	248(k	PROPN
cblr-9983	164	4	)	)	PUNCT
cblr-9983	164	5	,	,	PUNCT
cblr-9983	164	6	(	(	PUNCT
cblr-9983	165	1	s	s	X
cblr-9983	165	2	)	)	PUNCT
cblr-9983	165	3	(	(	PUNCT
cblr-9983	165	4	emphasis	emphasis	NOUN
cblr-9983	165	5	added	add	VERB
cblr-9983	165	6	)	)	PUNCT
cblr-9983	165	7	.	.	PUNCT
cblr-9983	166	1	the	the	DET
cblr-9983	166	2	act	act	NOUN
cblr-9983	166	3	also	also	ADV
cblr-9983	166	4	grants	grant	VERB
cblr-9983	166	5	the	the	DET
cblr-9983	166	6	board	board	NOUN
cblr-9983	166	7	authority	authority	NOUN
cblr-9983	166	8	to	to	PART
cblr-9983	166	9	“	"	PUNCT
cblr-9983	166	10	examine	examine	VERB
cblr-9983	166	11	”	"	PUNCT
cblr-9983	166	12	any	any	DET
cblr-9983	166	13	depository	depository	NOUN
cblr-9983	166	14	institution	institution	NOUN
cblr-9983	166	15	or	or	CCONJ
cblr-9983	166	16	affiliate	affiliate	NOUN
cblr-9983	166	17	for	for	ADP
cblr-9983	166	18	purposes	purpose	NOUN
cblr-9983	166	19	of	of	ADP
cblr-9983	166	20	deciding	decide	VERB
cblr-9983	166	21	its	its	PRON
cblr-9983	166	22	eligibility	eligibility	NOUN
cblr-9983	166	23	for	for	ADP
cblr-9983	166	24	access	access	NOUN
cblr-9983	166	25	to	to	ADP
cblr-9983	166	26	the	the	DET
cblr-9983	166	27	discount	discount	NOUN
cblr-9983	166	28	window	window	NOUN
cblr-9983	166	29	.	.	PUNCT
cblr-9983	167	1	i	i	PRON
cblr-9983	167	2	d.	d.	PROPN
cblr-9983	167	3	§	§	PROPN
cblr-9983	167	4	248(n	248(n	PROPN
cblr-9983	167	5	)	)	PUNCT
cblr-9983	167	6	.	.	PUNCT
cblr-9983	168	1	thus	thus	ADV
cblr-9983	168	2	,	,	PUNCT
cblr-9983	168	3	in	in	ADP
cblr-9983	168	4	a	a	DET
cblr-9983	168	5	single	single	ADJ
cblr-9983	168	6	provision	provision	NOUN
cblr-9983	168	7	of	of	ADP
cblr-9983	168	8	the	the	DET
cblr-9983	168	9	federal	federal	PROPN
cblr-9983	168	10	reserve	reserve	PROPN
cblr-9983	168	11	act	act	PROPN
cblr-9983	168	12	,	,	PUNCT
cblr-9983	168	13	congress	congress	PROPN
cblr-9983	168	14	has	have	AUX
cblr-9983	168	15	shown	show	VERB
cblr-9983	168	16	that	that	SCONJ
cblr-9983	168	17	it	it	PRON
cblr-9983	168	18	uses	use	VERB
cblr-9983	168	19	“	"	PUNCT
cblr-9983	168	20	examine	examine	VERB
cblr-9983	168	21	,	,	PUNCT
cblr-9983	168	22	”	"	PUNCT
cblr-9983	168	23	“	"	PUNCT
cblr-9983	168	24	supervise	supervise	VERB
cblr-9983	168	25	,	,	PUNCT
cblr-9983	168	26	”	"	PUNCT
cblr-9983	168	27	and	and	CCONJ
cblr-9983	168	28	“	"	PUNCT
cblr-9983	168	29	regulate	regulate	VERB
cblr-9983	168	30	”	"	PUNCT
cblr-9983	168	31	to	to	PART
cblr-9983	168	32	mean	mean	VERB
cblr-9983	168	33	different	different	ADJ
cblr-9983	168	34	things	thing	NOUN
cblr-9983	168	35	.	.	PUNCT
cblr-9983	169	1	see	see	VERB
cblr-9983	169	2	also	also	ADV
cblr-9983	169	3	i	i	PROPN
cblr-9983	169	4	d.	d.	PROPN
cblr-9983	169	5	§	§	PROPN
cblr-9983	169	6	242	242	NUM
cblr-9983	169	7	(	(	PUNCT
cblr-9983	169	8	“	"	PUNCT
cblr-9983	169	9	the	the	DET
cblr-9983	169	10	vice	vice	NOUN
cblr-9983	169	11	chairman	chairman	NOUN
cblr-9983	169	12	for	for	ADP
cblr-9983	169	13	supervision	supervision	NOUN
cblr-9983	169	14	shall	shall	AUX
cblr-9983	169	15	develop	develop	VERB
cblr-9983	169	16	policy	policy	NOUN
cblr-9983	169	17	recommendations	recommendation	NOUN
cblr-9983	169	18	for	for	ADP
cblr-9983	169	19	the	the	DET
cblr-9983	169	20	board	board	NOUN
cblr-9983	169	21	regarding	regard	VERB
cblr-9983	169	22	supervision	supervision	NOUN
cblr-9983	169	23	and	and	CCONJ
cblr-9983	169	24	regulation	regulation	NOUN
cblr-9983	169	25	of	of	ADP
cblr-9983	169	26	depository	depository	NOUN
cblr-9983	169	27	institution	institution	NOUN
cblr-9983	169	28	holding	hold	VERB
cblr-9983	169	29	companies	company	NOUN
cblr-9983	169	30	and	and	CCONJ
cblr-9983	169	31	other	other	ADJ
cblr-9983	169	32	financial	financial	ADJ
cblr-9983	169	33	firms	firm	NOUN
cblr-9983	169	34	supervised	supervise	VERB
cblr-9983	169	35	by	by	ADP
cblr-9983	169	36	the	the	DET
cblr-9983	169	37	board	board	NOUN
cblr-9983	169	38	,	,	PUNCT
cblr-9983	169	39	and	and	CCONJ
cblr-9983	169	40	shall	shall	AUX
cblr-9983	169	41	oversee	oversee	VERB
cblr-9983	169	42	the	the	DET
cblr-9983	169	43	supervision	supervision	NOUN
cblr-9983	169	44	and	and	CCONJ
cblr-9983	169	45	regulation	regulation	NOUN
cblr-9983	169	46	of	of	ADP
cblr-9983	169	47	such	such	ADJ
cblr-9983	169	48	firms	firm	NOUN
cblr-9983	169	49	.	.	PUNCT
cblr-9983	169	50	”	"	PUNCT
cblr-9983	170	1	(	(	PUNCT
cblr-9983	170	2	emphasis	emphasis	NOUN
cblr-9983	170	3	added	add	VERB
cblr-9983	170	4	)	)	PUNCT
cblr-9983	170	5	)	)	PUNCT
cblr-9983	170	6	.	.	PUNCT
cblr-9983	171	1	similarly	similarly	ADV
cblr-9983	171	2	,	,	PUNCT
cblr-9983	171	3	a	a	DET
cblr-9983	171	4	2014	2014	NUM
cblr-9983	171	5	provision	provision	NOUN
cblr-9983	171	6	clarifying	clarify	VERB
cblr-9983	171	7	the	the	DET
cblr-9983	171	8	application	application	NOUN
cblr-9983	171	9	of	of	ADP
cblr-9983	171	10	certain	certain	ADJ
cblr-9983	171	11	accounting	accounting	NOUN
cblr-9983	171	12	principles	principle	NOUN
cblr-9983	171	13	to	to	ADP
cblr-9983	171	14	bank	bank	NOUN
cblr-9983	171	15	holding	hold	VERB
cblr-9983	171	16	companies	company	NOUN
cblr-9983	171	17	with	with	ADP
cblr-9983	171	18	insurance	insurance	NOUN
cblr-9983	171	19	subsidiaries	subsidiary	NOUN
cblr-9983	171	20	specified	specify	VERB
cblr-9983	171	21	that	that	SCONJ
cblr-9983	171	22	it	it	PRON
cblr-9983	171	23	did	do	AUX
cblr-9983	171	24	not	not	PART
cblr-9983	171	25	“	"	PUNCT
cblr-9983	171	26	limit	limit	VERB
cblr-9983	171	27	the	the	DET
cblr-9983	171	28	authority	authority	NOUN
cblr-9983	171	29	of	of	ADP
cblr-9983	171	30	the	the	DET
cblr-9983	171	31	board	board	NOUN
cblr-9983	171	32	under	under	ADP
cblr-9983	171	33	any	any	DET
cblr-9983	171	34	other	other	ADJ
cblr-9983	171	35	applicable	applicable	ADJ
cblr-9983	171	36	provision	provision	NOUN
cblr-9983	171	37	of	of	ADP
cblr-9983	171	38	law	law	NOUN
cblr-9983	171	39	to	to	PART
cblr-9983	171	40	conduct	conduct	VERB
cblr-9983	171	41	any	any	DET
cblr-9983	171	42	regulatory	regulatory	ADJ
cblr-9983	171	43	or	or	CCONJ
cblr-9983	171	44	supervisory	supervisory	ADJ
cblr-9983	171	45	activity	activity	NOUN
cblr-9983	171	46	of	of	ADP
cblr-9983	171	47	a	a	DET
cblr-9983	171	48	depository	depository	NOUN
cblr-9983	171	49	institution	institution	NOUN
cblr-9983	171	50	holding	hold	VERB
cblr-9983	171	51	company	company	NOUN
cblr-9983	171	52	[	[	X
cblr-9983	171	53	.	.	PROPN
cblr-9983	171	54	]	]	X
cblr-9983	171	55	”	"	PUNCT
cblr-9983	171	56	insurance	insurance	NOUN
cblr-9983	171	57	capital	capital	NOUN
cblr-9983	171	58	standards	standard	NOUN
cblr-9983	171	59	clarification	clarification	NOUN
cblr-9983	171	60	act	act	NOUN
cblr-9983	171	61	of	of	ADP
cblr-9983	171	62	2014	2014	NUM
cblr-9983	171	63	,	,	PUNCT
cblr-9983	171	64	pub	pub	NOUN
cblr-9983	171	65	.	.	PUNCT
cblr-9983	172	1	l.	l.	PROPN
cblr-9983	172	2	no	no	INTJ
cblr-9983	172	3	.	.	PROPN
cblr-9983	173	1	113	113	NUM
cblr-9983	173	2	-	-	SYM
cblr-9983	173	3	279	279	NUM
cblr-9983	173	4	,	,	PUNCT
cblr-9983	173	5	sec	sec	PROPN
cblr-9983	173	6	.	.	PROPN
cblr-9983	173	7	2	2	NUM
cblr-9983	173	8	,	,	PUNCT
cblr-9983	173	9	§	§	PROPN
cblr-9983	173	10	171(7)(c)(b	171(7)(c)(b	NUM
cblr-9983	173	11	)	)	PUNCT
cblr-9983	173	12	,	,	PUNCT
cblr-9983	173	13	128	128	NUM
cblr-9983	173	14	stat	stat	NOUN
cblr-9983	173	15	.	.	PUNCT
cblr-9983	174	1	3017	3017	NUM
cblr-9983	174	2	,	,	PUNCT
cblr-9983	174	3	3018	3018	NUM
cblr-9983	174	4	(	(	PUNCT
cblr-9983	174	5	codified	codify	VERB
cblr-9983	174	6	at	at	ADP
cblr-9983	174	7	12	12	NUM
cblr-9983	174	8	u.s.c	u.s.c	NOUN
cblr-9983	174	9	.	.	PUNCT
cblr-9983	175	1	§	§	PROPN
cblr-9983	175	2	5371(c)(1)(b	5371(c)(1)(b	NUM
cblr-9983	175	3	)	)	PUNCT
cblr-9983	175	4	)	)	PUNCT
cblr-9983	175	5	(	(	PUNCT
cblr-9983	175	6	emphasis	emphasis	NOUN
cblr-9983	175	7	added	add	VERB
cblr-9983	175	8	)	)	PUNCT
cblr-9983	175	9	.	.	PUNCT
cblr-9983	176	1	18	18	NUM
cblr-9983	176	2	12	12	NUM
cblr-9983	176	3	u.s.c	u.s.c	NOUN
cblr-9983	176	4	.	.	PUNCT
cblr-9983	177	1	§	§	PROPN
cblr-9983	177	2	1831o(k)(1)(a	1831o(k)(1)(a	NUM
cblr-9983	177	3	)	)	PUNCT
cblr-9983	177	4	(	(	PUNCT
cblr-9983	177	5	emphasis	emphasis	NOUN
cblr-9983	177	6	added	add	VERB
cblr-9983	177	7	)	)	PUNCT
cblr-9983	177	8	.	.	PUNCT
cblr-9983	178	1	following	follow	VERB
cblr-9983	178	2	the	the	DET
cblr-9983	178	3	savings	saving	NOUN
cblr-9983	178	4	and	and	CCONJ
cblr-9983	178	5	loan	loan	NOUN
cblr-9983	178	6	crisis	crisis	NOUN
cblr-9983	178	7	of	of	ADP
cblr-9983	178	8	the	the	DET
cblr-9983	178	9	late	late	ADJ
cblr-9983	178	10	1980s	1980	NOUN
cblr-9983	178	11	,	,	PUNCT
cblr-9983	178	12	this	this	DET
cblr-9983	178	13	section	section	NOUN
cblr-9983	178	14	was	be	AUX
cblr-9983	178	15	added	add	VERB
cblr-9983	178	16	by	by	ADP
cblr-9983	178	17	the	the	DET
cblr-9983	178	18	federal	federal	ADJ
cblr-9983	178	19	no	no	NOUN
cblr-9983	178	20	.	.	PUNCT
cblr-9983	179	1	1:279	1:279	NOUN
cblr-9983	179	2	]	]	X
cblr-9983	179	3	bank	bank	NOUN
cblr-9983	179	4	supervision	supervision	NOUN
cblr-9983	179	5	and	and	CCONJ
cblr-9983	179	6	administrative	administrative	ADJ
cblr-9983	179	7	law	law	NOUN
cblr-9983	179	8	289	289	NUM
cblr-9983	179	9	agency	agency	NOUN
cblr-9983	179	10	to	to	PART
cblr-9983	179	11	establish	establish	VERB
cblr-9983	179	12	an	an	DET
cblr-9983	179	13	independent	independent	ADJ
cblr-9983	179	14	intra	intra	ADJ
cblr-9983	179	15	-	-	ADJ
cblr-9983	179	16	agency	agency	ADJ
cblr-9983	179	17	process	process	NOUN
cblr-9983	179	18	“	"	PUNCT
cblr-9983	179	19	to	to	PART
cblr-9983	179	20	review	review	VERB
cblr-9983	179	21	material	material	NOUN
cblr-9983	179	22	supervisory	supervisory	ADJ
cblr-9983	179	23	determinations	determination	NOUN
cblr-9983	179	24	made	make	VERB
cblr-9983	179	25	at	at	ADP
cblr-9983	179	26	insured	insured	ADJ
cblr-9983	179	27	depository	depository	NOUN
cblr-9983	179	28	institutions,”19	institutions,”19	X
cblr-9983	179	29	which	which	PRON
cblr-9983	179	30	are	be	AUX
cblr-9983	179	31	defined	define	VERB
cblr-9983	179	32	to	to	PART
cblr-9983	179	33	include	include	VERB
cblr-9983	179	34	not	not	PART
cblr-9983	179	35	only	only	ADV
cblr-9983	179	36	examination	examination	NOUN
cblr-9983	179	37	ratings	rating	NOUN
cblr-9983	179	38	,	,	PUNCT
cblr-9983	179	39	but	but	CCONJ
cblr-9983	179	40	also	also	ADV
cblr-9983	179	41	“	"	PUNCT
cblr-9983	179	42	the	the	DET
cblr-9983	179	43	adequacy	adequacy	NOUN
cblr-9983	179	44	of	of	ADP
cblr-9983	179	45	loan	loan	NOUN
cblr-9983	179	46	loss	loss	NOUN
cblr-9983	179	47	reserve	reserve	NOUN
cblr-9983	179	48	provisions	provision	NOUN
cblr-9983	179	49	”	"	PUNCT
cblr-9983	179	50	and	and	CCONJ
cblr-9983	179	51	“	"	PUNCT
cblr-9983	179	52	loan	loan	NOUN
cblr-9983	179	53	classifications	classification	NOUN
cblr-9983	179	54	on	on	ADP
cblr-9983	179	55	loans	loan	NOUN
cblr-9983	179	56	that	that	PRON
cblr-9983	179	57	are	be	AUX
cblr-9983	179	58	significant	significant	ADJ
cblr-9983	179	59	to	to	ADP
cblr-9983	179	60	an	an	DET
cblr-9983	179	61	institution	institution	NOUN
cblr-9983	179	62	.	.	PUNCT
cblr-9983	180	1	”20	”20	VERB
cblr-9983	180	2	other	other	ADJ
cblr-9983	180	3	statutory	statutory	ADJ
cblr-9983	180	4	provisions	provision	NOUN
cblr-9983	180	5	show	show	VERB
cblr-9983	180	6	that	that	SCONJ
cblr-9983	180	7	“	"	PUNCT
cblr-9983	180	8	supervision	supervision	NOUN
cblr-9983	180	9	”	"	PUNCT
cblr-9983	180	10	is	be	AUX
cblr-9983	180	11	not	not	PART
cblr-9983	180	12	subsumed	subsume	VERB
cblr-9983	180	13	under	under	ADP
cblr-9983	180	14	“	"	PUNCT
cblr-9983	180	15	examination	examination	NOUN
cblr-9983	180	16	”	"	PUNCT
cblr-9983	180	17	or	or	CCONJ
cblr-9983	180	18	“	"	PUNCT
cblr-9983	180	19	enforcement	enforcement	NOUN
cblr-9983	180	20	”	"	PUNCT
cblr-9983	180	21	authority.21	authority.21	PROPN
cblr-9983	180	22	in	in	ADP
cblr-9983	180	23	the	the	DET
cblr-9983	180	24	1978	1978	NUM
cblr-9983	180	25	legislation	legislation	NOUN
cblr-9983	180	26	creating	create	VERB
cblr-9983	180	27	the	the	DET
cblr-9983	180	28	federal	federal	ADJ
cblr-9983	180	29	financial	financial	ADJ
cblr-9983	180	30	institutions	institution	NOUN
cblr-9983	180	31	examination	examination	PROPN
cblr-9983	180	32	council	council	PROPN
cblr-9983	180	33	,	,	PUNCT
cblr-9983	180	34	congress	congress	PROPN
cblr-9983	180	35	supplemented	supplement	VERB
cblr-9983	180	36	the	the	DET
cblr-9983	180	37	council	council	NOUN
cblr-9983	180	38	’s	’s	PART
cblr-9983	180	39	mandate	mandate	NOUN
cblr-9983	180	40	to	to	PART
cblr-9983	180	41	establish	establish	VERB
cblr-9983	180	42	uniform	uniform	ADJ
cblr-9983	180	43	examination	examination	NOUN
cblr-9983	180	44	standards	standard	NOUN
cblr-9983	180	45	for	for	ADP
cblr-9983	180	46	all	all	DET
cblr-9983	180	47	insured	insure	VERB
cblr-9983	180	48	depository	depository	NOUN
cblr-9983	180	49	institutions	institution	NOUN
cblr-9983	180	50	with	with	ADP
cblr-9983	180	51	the	the	DET
cblr-9983	180	52	instruction	instruction	NOUN
cblr-9983	180	53	to	to	PART
cblr-9983	180	54	“	"	PUNCT
cblr-9983	180	55	make	make	VERB
cblr-9983	180	56	recommendations	recommendation	NOUN
cblr-9983	180	57	for	for	ADP
cblr-9983	180	58	uniformity	uniformity	NOUN
cblr-9983	180	59	in	in	ADP
cblr-9983	180	60	other	other	ADJ
cblr-9983	180	61	supervisory	supervisory	ADJ
cblr-9983	180	62	matters	matter	NOUN
cblr-9983	180	63	.	.	PUNCT
cblr-9983	181	1	”22	”22	PROPN
cblr-9983	181	2	the	the	DET
cblr-9983	181	3	statute	statute	NOUN
cblr-9983	181	4	give	give	VERB
cblr-9983	181	5	the	the	DET
cblr-9983	181	6	explicitly	explicitly	ADV
cblr-9983	181	7	nonexclusive	nonexclusive	ADJ
cblr-9983	181	8	examples	example	NOUN
cblr-9983	181	9	of	of	ADP
cblr-9983	181	10	“	"	PUNCT
cblr-9983	181	11	classifying	classify	VERB
cblr-9983	181	12	loans	loan	NOUN
cblr-9983	181	13	subject	subject	ADJ
cblr-9983	181	14	to	to	ADP
cblr-9983	181	15	country	country	NOUN
cblr-9983	181	16	risk	risk	NOUN
cblr-9983	181	17	,	,	PUNCT
cblr-9983	181	18	identifying	identify	VERB
cblr-9983	181	19	financial	financial	ADJ
cblr-9983	181	20	institutions	institution	NOUN
cblr-9983	181	21	in	in	ADP
cblr-9983	181	22	need	need	NOUN
cblr-9983	181	23	of	of	ADP
cblr-9983	181	24	special	special	ADJ
cblr-9983	181	25	deposit	deposit	NOUN
cblr-9983	181	26	insurance	insurance	NOUN
cblr-9983	181	27	corporation	corporation	PROPN
cblr-9983	181	28	improvement	improvement	PROPN
cblr-9983	181	29	act	act	NOUN
cblr-9983	181	30	of	of	ADP
cblr-9983	181	31	1991	1991	NUM
cblr-9983	181	32	,	,	PUNCT
cblr-9983	181	33	pub	pub	NOUN
cblr-9983	181	34	.	.	PUNCT
cblr-9983	182	1	l.	l.	NOUN
cblr-9983	182	2	102	102	NUM
cblr-9983	182	3	-	-	SYM
cblr-9983	182	4	242	242	NUM
cblr-9983	182	5	,	,	PUNCT
cblr-9983	182	6	sec	sec	PROPN
cblr-9983	182	7	.	.	PROPN
cblr-9983	182	8	131	131	NUM
cblr-9983	182	9	,	,	PUNCT
cblr-9983	182	10	§	§	PROPN
cblr-9983	182	11	38(k)(1)(a	38(k)(1)(a	NUM
cblr-9983	182	12	)	)	PUNCT
cblr-9983	182	13	,	,	PUNCT
cblr-9983	182	14	105	105	NUM
cblr-9983	182	15	stat	stat	NOUN
cblr-9983	182	16	.	.	PUNCT
cblr-9983	183	1	2236	2236	NUM
cblr-9983	183	2	,	,	PUNCT
cblr-9983	183	3	2263	2263	NUM
cblr-9983	183	4	(	(	PUNCT
cblr-9983	183	5	amending	amend	VERB
cblr-9983	183	6	the	the	DET
cblr-9983	183	7	federal	federal	ADJ
cblr-9983	183	8	deposit	deposit	NOUN
cblr-9983	183	9	insurance	insurance	PROPN
cblr-9983	183	10	act	act	PROPN
cblr-9983	183	11	)	)	PUNCT
cblr-9983	183	12	.	.	PUNCT
cblr-9983	184	1	while	while	SCONJ
cblr-9983	184	2	this	this	DET
cblr-9983	184	3	provision	provision	NOUN
cblr-9983	184	4	does	do	AUX
cblr-9983	184	5	not	not	PART
cblr-9983	184	6	define	define	VERB
cblr-9983	184	7	“	"	PUNCT
cblr-9983	184	8	supervision	supervision	NOUN
cblr-9983	184	9	,	,	PUNCT
cblr-9983	184	10	”	"	PUNCT
cblr-9983	184	11	the	the	DET
cblr-9983	184	12	reports	report	NOUN
cblr-9983	184	13	of	of	ADP
cblr-9983	184	14	material	material	ADJ
cblr-9983	184	15	loss	loss	NOUN
cblr-9983	184	16	reviews	review	NOUN
cblr-9983	184	17	by	by	ADP
cblr-9983	184	18	inspectors	inspector	NOUN
cblr-9983	184	19	general	general	ADJ
cblr-9983	184	20	of	of	ADP
cblr-9983	184	21	the	the	DET
cblr-9983	184	22	banking	banking	NOUN
cblr-9983	184	23	agencies	agency	NOUN
cblr-9983	184	24	make	make	VERB
cblr-9983	184	25	clear	clear	ADJ
cblr-9983	184	26	that	that	SCONJ
cblr-9983	184	27	they	they	PRON
cblr-9983	184	28	interpret	interpret	VERB
cblr-9983	184	29	supervision	supervision	NOUN
cblr-9983	184	30	as	as	ADP
cblr-9983	184	31	encompassing	encompass	VERB
cblr-9983	184	32	more	more	ADJ
cblr-9983	184	33	than	than	ADP
cblr-9983	184	34	regulation	regulation	NOUN
cblr-9983	184	35	and	and	CCONJ
cblr-9983	184	36	formal	formal	ADJ
cblr-9983	184	37	enforcement	enforcement	NOUN
cblr-9983	184	38	actions	action	NOUN
cblr-9983	184	39	.	.	PUNCT
cblr-9983	185	1	see	see	VERB
cblr-9983	185	2	,	,	PUNCT
cblr-9983	185	3	e.g.	e.g.	ADV
cblr-9983	185	4	,	,	PUNCT
cblr-9983	185	5	dep’t	dep’t	NOUN
cblr-9983	185	6	of	of	ADP
cblr-9983	185	7	the	the	DET
cblr-9983	185	8	treasury	treasury	NOUN
cblr-9983	185	9	off	off	ADP
cblr-9983	185	10	.	.	PUNCT
cblr-9983	186	1	of	of	ADP
cblr-9983	186	2	inspector	inspector	PROPN
cblr-9983	186	3	gen	gen	PROPN
cblr-9983	186	4	.	.	PROPN
cblr-9983	186	5	,	,	PUNCT
cblr-9983	186	6	oig-16	oig-16	PROPN
cblr-9983	186	7	-	-	PUNCT
cblr-9983	186	8	052	052	NUM
cblr-9983	186	9	,	,	PUNCT
cblr-9983	186	10	safety	safety	NOUN
cblr-9983	186	11	and	and	CCONJ
cblr-9983	186	12	soundness	soundness	NOUN
cblr-9983	186	13	:	:	PUNCT
cblr-9983	186	14	analysis	analysis	NOUN
cblr-9983	186	15	of	of	ADP
cblr-9983	186	16	bank	bank	NOUN
cblr-9983	186	17	failures	failure	NOUN
cblr-9983	186	18	reviewed	review	VERB
cblr-9983	186	19	by	by	ADP
cblr-9983	186	20	the	the	DET
cblr-9983	186	21	department	department	NOUN
cblr-9983	186	22	of	of	ADP
cblr-9983	186	23	the	the	DET
cblr-9983	186	24	treasury	treasury	PROPN
cblr-9983	186	25	office	office	NOUN
cblr-9983	186	26	of	of	ADP
cblr-9983	186	27	inspector	inspector	NOUN
cblr-9983	186	28	general	general	NOUN
cblr-9983	186	29	,	,	PUNCT
cblr-9983	187	1	report	report	VERB
cblr-9983	187	2	14–15	14–15	NUM
cblr-9983	187	3	(	(	PUNCT
cblr-9983	187	4	2016	2016	NUM
cblr-9983	187	5	)	)	PUNCT
cblr-9983	187	6	(	(	PUNCT
cblr-9983	187	7	summarizing	summarize	VERB
cblr-9983	187	8	supervisory	supervisory	ADJ
cblr-9983	187	9	shortcomings	shortcoming	NOUN
cblr-9983	187	10	and	and	CCONJ
cblr-9983	187	11	recommendations	recommendation	NOUN
cblr-9983	187	12	from	from	ADP
cblr-9983	187	13	fiftyfour	fiftyfour	ADJ
cblr-9983	187	14	material	material	NOUN
cblr-9983	187	15	loss	loss	NOUN
cblr-9983	187	16	reviews	review	NOUN
cblr-9983	187	17	,	,	PUNCT
cblr-9983	187	18	including	include	VERB
cblr-9983	187	19	absence	absence	NOUN
cblr-9983	187	20	of	of	ADP
cblr-9983	187	21	appropriate	appropriate	ADJ
cblr-9983	187	22	informal	informal	ADJ
cblr-9983	187	23	enforcement	enforcement	NOUN
cblr-9983	187	24	actions	action	NOUN
cblr-9983	187	25	and	and	CCONJ
cblr-9983	187	26	mras	mras	ADJ
cblr-9983	187	27	)	)	PUNCT
cblr-9983	187	28	.	.	PUNCT
cblr-9983	188	1	19	19	NUM
cblr-9983	188	2	riegle	riegle	ADJ
cblr-9983	188	3	community	community	NOUN
cblr-9983	188	4	development	development	NOUN
cblr-9983	188	5	and	and	CCONJ
cblr-9983	188	6	regulatory	regulatory	ADJ
cblr-9983	188	7	improvement	improvement	NOUN
cblr-9983	188	8	act	act	NOUN
cblr-9983	188	9	of	of	ADP
cblr-9983	188	10	1994	1994	NUM
cblr-9983	188	11	,	,	PUNCT
cblr-9983	188	12	pub	pub	NOUN
cblr-9983	188	13	.	.	PUNCT
cblr-9983	189	1	l.	l.	PROPN
cblr-9983	189	2	no	no	INTJ
cblr-9983	189	3	.	.	PROPN
cblr-9983	190	1	103	103	NUM
cblr-9983	190	2	-	-	SYM
cblr-9983	190	3	325	325	NUM
cblr-9983	190	4	,	,	PUNCT
cblr-9983	190	5	108	108	NUM
cblr-9983	190	6	stat	stat	NOUN
cblr-9983	190	7	.	.	PUNCT
cblr-9983	191	1	2160	2160	NUM
cblr-9983	191	2	,	,	PUNCT
cblr-9983	191	3	2218	2218	NUM
cblr-9983	191	4	(	(	PUNCT
cblr-9983	191	5	codified	codify	VERB
cblr-9983	191	6	at	at	ADP
cblr-9983	191	7	12	12	NUM
cblr-9983	191	8	u.s.c	u.s.c	NOUN
cblr-9983	191	9	.	.	PUNCT
cblr-9983	192	1	§	§	PROPN
cblr-9983	192	2	4806(a	4806(a	NUM
cblr-9983	192	3	)	)	PUNCT
cblr-9983	192	4	)	)	PUNCT
cblr-9983	193	1	(	(	PUNCT
cblr-9983	193	2	emphasis	emphasis	NOUN
cblr-9983	193	3	added	add	VERB
cblr-9983	193	4	)	)	PUNCT
cblr-9983	193	5	.	.	PUNCT
cblr-9983	194	1	20	20	NUM
cblr-9983	194	2	12	12	NUM
cblr-9983	194	3	u.s.c	u.s.c	NOUN
cblr-9983	194	4	.	.	PUNCT
cblr-9983	195	1	§	§	PROPN
cblr-9983	195	2	4806(f)(1)(a	4806(f)(1)(a	NUM
cblr-9983	195	3	)	)	PUNCT
cblr-9983	195	4	.	.	PUNCT
cblr-9983	196	1	21	21	NUM
cblr-9983	196	2	in	in	ADP
cblr-9983	196	3	his	his	PRON
cblr-9983	196	4	senate	senate	PROPN
cblr-9983	196	5	testimony	testimony	NOUN
cblr-9983	196	6	,	,	PUNCT
cblr-9983	196	7	mr	mr	PROPN
cblr-9983	196	8	.	.	PROPN
cblr-9983	196	9	baer	baer	PROPN
cblr-9983	196	10	of	of	ADP
cblr-9983	196	11	the	the	DET
cblr-9983	196	12	bank	bank	PROPN
cblr-9983	196	13	policy	policy	PROPN
cblr-9983	196	14	institute	institute	PROPN
cblr-9983	196	15	asserted	assert	VERB
cblr-9983	196	16	that	that	SCONJ
cblr-9983	196	17	“	"	PUNCT
cblr-9983	196	18	[	[	X
cblr-9983	196	19	t]here	t]here	PROPN
cblr-9983	196	20	is	be	AUX
cblr-9983	196	21	a	a	DET
cblr-9983	196	22	large	large	ADJ
cblr-9983	196	23	difference	difference	NOUN
cblr-9983	196	24	between	between	ADP
cblr-9983	196	25	examining	examine	VERB
cblr-9983	196	26	a	a	DET
cblr-9983	196	27	firm	firm	NOUN
cblr-9983	196	28	and	and	CCONJ
cblr-9983	196	29	supervising	supervise	VERB
cblr-9983	196	30	it	it	PRON
cblr-9983	196	31	,	,	PUNCT
cblr-9983	196	32	”	"	PUNCT
cblr-9983	196	33	with	with	ADP
cblr-9983	196	34	the	the	DET
cblr-9983	196	35	implication	implication	NOUN
cblr-9983	196	36	that	that	SCONJ
cblr-9983	196	37	the	the	DET
cblr-9983	196	38	latter	latter	NOUN
cblr-9983	196	39	is	be	AUX
cblr-9983	196	40	somehow	somehow	ADV
cblr-9983	196	41	unauthorized	unauthorized	ADJ
cblr-9983	196	42	.	.	PUNCT
cblr-9983	197	1	baer	baer	PROPN
cblr-9983	197	2	testimony	testimony	NOUN
cblr-9983	197	3	,	,	PUNCT
cblr-9983	197	4	supra	supra	PROPN
cblr-9983	197	5	note	note	NOUN
cblr-9983	197	6	14	14	NUM
cblr-9983	197	7	.	.	PUNCT
cblr-9983	198	1	it	it	PRON
cblr-9983	198	2	is	be	AUX
cblr-9983	198	3	true	true	ADJ
cblr-9983	198	4	that	that	SCONJ
cblr-9983	198	5	there	there	PRON
cblr-9983	198	6	is	be	VERB
cblr-9983	198	7	a	a	DET
cblr-9983	198	8	lot	lot	NOUN
cblr-9983	198	9	more	more	ADJ
cblr-9983	198	10	to	to	ADP
cblr-9983	198	11	supervision	supervision	NOUN
cblr-9983	198	12	than	than	ADP
cblr-9983	198	13	an	an	DET
cblr-9983	198	14	annual	annual	ADJ
cblr-9983	198	15	examination	examination	NOUN
cblr-9983	198	16	.	.	PUNCT
cblr-9983	199	1	see	see	VERB
cblr-9983	199	2	i	i	PRON
cblr-9983	199	3	d.	d.	PROPN
cblr-9983	199	4	as	as	SCONJ
cblr-9983	199	5	explained	explain	VERB
cblr-9983	199	6	in	in	ADP
cblr-9983	199	7	the	the	DET
cblr-9983	199	8	text	text	NOUN
cblr-9983	199	9	,	,	PUNCT
cblr-9983	199	10	it	it	PRON
cblr-9983	199	11	is	be	AUX
cblr-9983	199	12	decidedly	decidedly	ADV
cblr-9983	199	13	not	not	PART
cblr-9983	199	14	the	the	DET
cblr-9983	199	15	case	case	NOUN
cblr-9983	199	16	that	that	SCONJ
cblr-9983	199	17	the	the	DET
cblr-9983	199	18	distinct	distinct	ADJ
cblr-9983	199	19	role	role	NOUN
cblr-9983	199	20	of	of	ADP
cblr-9983	199	21	supervision	supervision	NOUN
cblr-9983	199	22	is	be	AUX
cblr-9983	199	23	unrecognized	unrecognize	VERB
cblr-9983	199	24	by	by	ADP
cblr-9983	199	25	congress	congress	PROPN
cblr-9983	199	26	.	.	PUNCT
cblr-9983	200	1	22	22	NUM
cblr-9983	200	2	financial	financial	ADJ
cblr-9983	200	3	institutions	institution	NOUN
cblr-9983	200	4	regulatory	regulatory	ADJ
cblr-9983	200	5	and	and	CCONJ
cblr-9983	200	6	interstate	interstate	ADJ
cblr-9983	200	7	rate	rate	NOUN
cblr-9983	200	8	control	control	PROPN
cblr-9983	200	9	act	act	PROPN
cblr-9983	200	10	of	of	ADP
cblr-9983	200	11	1978	1978	NUM
cblr-9983	200	12	,	,	PUNCT
cblr-9983	200	13	pub	pub	NOUN
cblr-9983	200	14	.	.	PUNCT
cblr-9983	201	1	l.	l.	PROPN
cblr-9983	201	2	no	no	INTJ
cblr-9983	201	3	.	.	PROPN
cblr-9983	202	1	95	95	NUM
cblr-9983	202	2	-	-	SYM
cblr-9983	202	3	630	630	NUM
cblr-9983	202	4	,	,	PUNCT
cblr-9983	202	5	§	§	PROPN
cblr-9983	202	6	1006(b	1006(b	NUM
cblr-9983	202	7	)	)	PUNCT
cblr-9983	202	8	,	,	PUNCT
cblr-9983	202	9	92	92	NUM
cblr-9983	202	10	stat	stat	NOUN
cblr-9983	202	11	.	.	PUNCT
cblr-9983	203	1	3641	3641	NUM
cblr-9983	203	2	,	,	PUNCT
cblr-9983	203	3	3695	3695	NUM
cblr-9983	203	4	(	(	PUNCT
cblr-9983	203	5	codified	codify	VERB
cblr-9983	203	6	at	at	ADP
cblr-9983	203	7	12	12	NUM
cblr-9983	203	8	u.s.c	u.s.c	NOUN
cblr-9983	203	9	.	.	PUNCT
cblr-9983	204	1	§	§	PROPN
cblr-9983	204	2	3305(b	3305(b	PROPN
cblr-9983	204	3	)	)	PUNCT
cblr-9983	204	4	)	)	PUNCT
cblr-9983	205	1	(	(	PUNCT
cblr-9983	205	2	emphasis	emphasis	NOUN
cblr-9983	205	3	added	add	VERB
cblr-9983	205	4	)	)	PUNCT
cblr-9983	205	5	.	.	PUNCT
cblr-9983	206	1	290	290	NUM
cblr-9983	206	2	columbia	columbia	PROPN
cblr-9983	206	3	business	business	NOUN
cblr-9983	206	4	law	law	PROPN
cblr-9983	206	5	review	review	NOUN
cblr-9983	206	6	[	[	X
cblr-9983	206	7	vol	vol	NOUN
cblr-9983	206	8	.	.	PUNCT
cblr-9983	206	9	2022	2022	NUM
cblr-9983	206	10	supervisory	supervisory	ADJ
cblr-9983	206	11	attention	attention	NOUN
cblr-9983	206	12	,	,	PUNCT
cblr-9983	206	13	and	and	CCONJ
cblr-9983	206	14	evaluating	evaluate	VERB
cblr-9983	206	15	the	the	DET
cblr-9983	206	16	soundness	soundness	NOUN
cblr-9983	206	17	of	of	ADP
cblr-9983	206	18	large	large	ADJ
cblr-9983	206	19	loans	loan	NOUN
cblr-9983	206	20	that	that	PRON
cblr-9983	206	21	are	be	AUX
cblr-9983	206	22	shared	share	VERB
cblr-9983	206	23	by	by	ADP
cblr-9983	206	24	two	two	NUM
cblr-9983	206	25	or	or	CCONJ
cblr-9983	206	26	more	more	ADJ
cblr-9983	206	27	financial	financial	ADJ
cblr-9983	206	28	institutions	institution	NOUN
cblr-9983	206	29	.	.	PUNCT
cblr-9983	207	1	”23	”23	ADV
cblr-9983	207	2	in	in	ADP
cblr-9983	207	3	its	its	PRON
cblr-9983	207	4	most	most	ADV
cblr-9983	207	5	recent	recent	ADJ
cblr-9983	207	6	significant	significant	ADJ
cblr-9983	207	7	amendments	amendment	NOUN
cblr-9983	207	8	to	to	ADP
cblr-9983	207	9	banking	banking	NOUN
cblr-9983	207	10	law	law	NOUN
cblr-9983	207	11	,	,	PUNCT
cblr-9983	207	12	in	in	ADP
cblr-9983	207	13	early	early	ADJ
cblr-9983	207	14	2018,24	2018,24	NUM
cblr-9983	207	15	congress	congress	PROPN
cblr-9983	207	16	again	again	ADV
cblr-9983	207	17	indicated	indicate	VERB
cblr-9983	207	18	its	its	PRON
cblr-9983	207	19	recognition	recognition	NOUN
cblr-9983	207	20	of	of	ADP
cblr-9983	207	21	supervisory	supervisory	ADJ
cblr-9983	207	22	authority	authority	NOUN
cblr-9983	207	23	distinct	distinct	ADJ
cblr-9983	207	24	from	from	ADP
cblr-9983	207	25	enforcement	enforcement	NOUN
cblr-9983	207	26	authority	authority	NOUN
cblr-9983	207	27	.	.	PUNCT
cblr-9983	208	1	while	while	SCONJ
cblr-9983	208	2	limiting	limit	VERB
cblr-9983	208	3	the	the	DET
cblr-9983	208	4	circumstances	circumstance	NOUN
cblr-9983	208	5	under	under	ADP
cblr-9983	208	6	which	which	PRON
cblr-9983	208	7	a	a	DET
cblr-9983	208	8	higher	high	ADJ
cblr-9983	208	9	capital	capital	NOUN
cblr-9983	208	10	requirement	requirement	NOUN
cblr-9983	208	11	could	could	AUX
cblr-9983	208	12	be	be	AUX
cblr-9983	208	13	applied	apply	VERB
cblr-9983	208	14	to	to	ADP
cblr-9983	208	15	certain	certain	ADJ
cblr-9983	208	16	commercial	commercial	ADJ
cblr-9983	208	17	real	real	ADJ
cblr-9983	208	18	estate	estate	NOUN
cblr-9983	208	19	lending	lending	NOUN
cblr-9983	208	20	,	,	PUNCT
cblr-9983	208	21	congress	congress	PROPN
cblr-9983	208	22	added	add	VERB
cblr-9983	208	23	that	that	SCONJ
cblr-9983	208	24	“	"	PUNCT
cblr-9983	208	25	[	[	X
cblr-9983	208	26	n]othing	n]othe	VERB
cblr-9983	208	27	in	in	ADP
cblr-9983	208	28	this	this	DET
cblr-9983	208	29	section	section	NOUN
cblr-9983	208	30	shall	shall	AUX
cblr-9983	208	31	limit	limit	VERB
cblr-9983	208	32	the	the	DET
cblr-9983	208	33	supervisory	supervisory	ADJ
cblr-9983	208	34	,	,	PUNCT
cblr-9983	208	35	regulatory	regulatory	ADJ
cblr-9983	208	36	,	,	PUNCT
cblr-9983	208	37	or	or	CCONJ
cblr-9983	208	38	enforcement	enforcement	NOUN
cblr-9983	208	39	authority	authority	NOUN
cblr-9983	208	40	of	of	ADP
cblr-9983	208	41	an	an	DET
cblr-9983	208	42	appropriate	appropriate	ADJ
cblr-9983	208	43	federal	federal	ADJ
cblr-9983	208	44	banking	banking	NOUN
cblr-9983	208	45	agency	agency	NOUN
cblr-9983	208	46	to	to	PART
cblr-9983	208	47	further	further	VERB
cblr-9983	208	48	the	the	DET
cblr-9983	208	49	safe	safe	ADJ
cblr-9983	208	50	and	and	CCONJ
cblr-9983	208	51	sound	sound	ADJ
cblr-9983	208	52	operation	operation	NOUN
cblr-9983	208	53	of	of	ADP
cblr-9983	208	54	an	an	DET
cblr-9983	208	55	institution	institution	NOUN
cblr-9983	208	56	.	.	PUNCT
cblr-9983	209	1	”25	”25	ADJ
cblr-9983	209	2	finally	finally	ADV
cblr-9983	209	3	,	,	PUNCT
cblr-9983	209	4	23	23	NUM
cblr-9983	209	5	i	i	PRON
cblr-9983	209	6	d.	d.	VERB
cblr-9983	209	7	an	an	DET
cblr-9983	209	8	especially	especially	ADV
cblr-9983	209	9	telling	tell	VERB
cblr-9983	209	10	example	example	NOUN
cblr-9983	209	11	of	of	ADP
cblr-9983	209	12	congressional	congressional	ADJ
cblr-9983	209	13	awareness	awareness	NOUN
cblr-9983	209	14	and	and	CCONJ
cblr-9983	209	15	embrace	embrace	NOUN
cblr-9983	209	16	of	of	ADP
cblr-9983	209	17	a	a	DET
cblr-9983	209	18	distinct	distinct	ADJ
cblr-9983	209	19	supervisory	supervisory	ADJ
cblr-9983	209	20	role	role	NOUN
cblr-9983	209	21	is	be	AUX
cblr-9983	209	22	provided	provide	VERB
cblr-9983	209	23	by	by	ADP
cblr-9983	209	24	a	a	DET
cblr-9983	209	25	1989	1989	NUM
cblr-9983	209	26	amendment	amendment	NOUN
cblr-9983	209	27	to	to	ADP
cblr-9983	209	28	the	the	DET
cblr-9983	209	29	statutory	statutory	ADJ
cblr-9983	209	30	provision	provision	NOUN
cblr-9983	209	31	authorizing	authorize	VERB
cblr-9983	209	32	the	the	DET
cblr-9983	209	33	role	role	NOUN
cblr-9983	209	34	of	of	ADP
cblr-9983	209	35	the	the	DET
cblr-9983	209	36	comptroller	comptroller	NOUN
cblr-9983	209	37	of	of	ADP
cblr-9983	209	38	the	the	DET
cblr-9983	209	39	currency	currency	NOUN
cblr-9983	209	40	in	in	ADP
cblr-9983	209	41	overseeing	oversee	VERB
cblr-9983	209	42	banks	bank	NOUN
cblr-9983	209	43	placed	place	VERB
cblr-9983	209	44	in	in	ADP
cblr-9983	209	45	conservatorship	conservatorship	NOUN
cblr-9983	209	46	.	.	PUNCT
cblr-9983	210	1	the	the	DET
cblr-9983	210	2	original	original	ADJ
cblr-9983	210	3	language	language	NOUN
cblr-9983	210	4	in	in	ADP
cblr-9983	210	5	the	the	DET
cblr-9983	210	6	1933	1933	NUM
cblr-9983	210	7	law	law	NOUN
cblr-9983	210	8	provided	provide	VERB
cblr-9983	210	9	that	that	SCONJ
cblr-9983	210	10	the	the	DET
cblr-9983	210	11	comptroller	comptroller	NOUN
cblr-9983	210	12	should	should	AUX
cblr-9983	210	13	“	"	PUNCT
cblr-9983	210	14	cause	cause	VERB
cblr-9983	210	15	to	to	PART
cblr-9983	210	16	be	be	AUX
cblr-9983	210	17	made	make	VERB
cblr-9983	210	18	such	such	ADJ
cblr-9983	210	19	examinations	examination	NOUN
cblr-9983	210	20	of	of	ADP
cblr-9983	210	21	the	the	DET
cblr-9983	210	22	affairs	affair	NOUN
cblr-9983	210	23	of	of	ADP
cblr-9983	210	24	such	such	ADJ
cblr-9983	210	25	bank	bank	NOUN
cblr-9983	210	26	as	as	SCONJ
cblr-9983	210	27	shall	shall	AUX
cblr-9983	210	28	be	be	AUX
cblr-9983	210	29	necessary	necessary	ADJ
cblr-9983	210	30	to	to	PART
cblr-9983	210	31	inform	inform	VERB
cblr-9983	210	32	him	he	PRON
cblr-9983	210	33	as	as	ADP
cblr-9983	210	34	to	to	ADP
cblr-9983	210	35	the	the	DET
cblr-9983	210	36	financial	financial	ADJ
cblr-9983	210	37	condition	condition	NOUN
cblr-9983	210	38	of	of	ADP
cblr-9983	210	39	such	such	ADJ
cblr-9983	210	40	bank	bank	NOUN
cblr-9983	210	41	.	.	PUNCT
cblr-9983	210	42	”	"	PUNCT
cblr-9983	211	1	bank	bank	PROPN
cblr-9983	211	2	conservation	conservation	PROPN
cblr-9983	211	3	act	act	PROPN
cblr-9983	211	4	,	,	PUNCT
cblr-9983	212	1	pub	pub	NOUN
cblr-9983	212	2	l.	l.	NOUN
cblr-9983	212	3	no	no	INTJ
cblr-9983	212	4	.	.	PROPN
cblr-9983	213	1	73	73	NUM
cblr-9983	213	2	-	-	SYM
cblr-9983	213	3	1	1	NUM
cblr-9983	213	4	,	,	PUNCT
cblr-9983	213	5	§	§	PROPN
cblr-9983	213	6	204	204	NUM
cblr-9983	213	7	,	,	PUNCT
cblr-9983	213	8	48	48	NUM
cblr-9983	213	9	stat	stat	NOUN
cblr-9983	213	10	.	.	PUNCT
cblr-9983	214	1	1	1	NUM
cblr-9983	214	2	,	,	PUNCT
cblr-9983	214	3	3	3	NUM
cblr-9983	214	4	(	(	PUNCT
cblr-9983	214	5	1933	1933	NUM
cblr-9983	214	6	)	)	PUNCT
cblr-9983	214	7	(	(	PUNCT
cblr-9983	214	8	providing	provide	VERB
cblr-9983	214	9	relief	relief	NOUN
cblr-9983	214	10	for	for	ADP
cblr-9983	214	11	the	the	DET
cblr-9983	214	12	national	national	ADJ
cblr-9983	214	13	emergency	emergency	NOUN
cblr-9983	214	14	in	in	ADP
cblr-9983	214	15	banking	banking	NOUN
cblr-9983	214	16	)	)	PUNCT
cblr-9983	214	17	.	.	PUNCT
cblr-9983	215	1	the	the	DET
cblr-9983	215	2	1989	1989	NUM
cblr-9983	215	3	amendment	amendment	NOUN
cblr-9983	215	4	changed	change	VERB
cblr-9983	215	5	the	the	DET
cblr-9983	215	6	language	language	NOUN
cblr-9983	215	7	to	to	PART
cblr-9983	215	8	read	read	VERB
cblr-9983	215	9	that	that	SCONJ
cblr-9983	215	10	the	the	DET
cblr-9983	215	11	comptroller	comptroller	NOUN
cblr-9983	215	12	is	be	AUX
cblr-9983	215	13	“	"	PUNCT
cblr-9983	215	14	authorized	authorize	VERB
cblr-9983	215	15	to	to	PART
cblr-9983	215	16	examine	examine	VERB
cblr-9983	215	17	and	and	CCONJ
cblr-9983	215	18	supervise	supervise	VERB
cblr-9983	215	19	the	the	DET
cblr-9983	215	20	bank	bank	NOUN
cblr-9983	215	21	in	in	ADP
cblr-9983	215	22	conservatorship	conservatorship	NOUN
cblr-9983	215	23	as	as	ADV
cblr-9983	215	24	long	long	ADV
cblr-9983	215	25	as	as	SCONJ
cblr-9983	215	26	the	the	DET
cblr-9983	215	27	bank	bank	NOUN
cblr-9983	215	28	continues	continue	VERB
cblr-9983	215	29	to	to	PART
cblr-9983	215	30	operate	operate	VERB
cblr-9983	215	31	as	as	ADP
cblr-9983	215	32	a	a	DET
cblr-9983	215	33	going	go	VERB
cblr-9983	215	34	concern	concern	NOUN
cblr-9983	215	35	.	.	PUNCT
cblr-9983	215	36	”	"	PUNCT
cblr-9983	216	1	financial	financial	ADJ
cblr-9983	216	2	institutions	institution	NOUN
cblr-9983	216	3	reform	reform	NOUN
cblr-9983	216	4	,	,	PUNCT
cblr-9983	216	5	recovery	recovery	NOUN
cblr-9983	216	6	and	and	CCONJ
cblr-9983	216	7	enforcement	enforcement	NOUN
cblr-9983	216	8	act	act	PROPN
cblr-9983	216	9	of	of	ADP
cblr-9983	216	10	1989	1989	NUM
cblr-9983	216	11	(	(	PUNCT
cblr-9983	216	12	firrea	firrea	PROPN
cblr-9983	216	13	)	)	PUNCT
cblr-9983	216	14	,	,	PUNCT
cblr-9983	216	15	pub	pub	NOUN
cblr-9983	216	16	.	.	PUNCT
cblr-9983	217	1	l.	l.	PROPN
cblr-9983	217	2	no	no	INTJ
cblr-9983	217	3	.	.	PROPN
cblr-9983	218	1	101	101	NUM
cblr-9983	218	2	-	-	SYM
cblr-9983	218	3	73	73	NUM
cblr-9983	218	4	,	,	PUNCT
cblr-9983	218	5	sec	sec	PROPN
cblr-9983	218	6	.	.	PROPN
cblr-9983	218	7	803	803	NUM
cblr-9983	218	8	,	,	PUNCT
cblr-9983	218	9	§	§	PROPN
cblr-9983	218	10	204	204	NUM
cblr-9983	218	11	,	,	PUNCT
cblr-9983	218	12	103	103	NUM
cblr-9983	218	13	stat	stat	NOUN
cblr-9983	218	14	.	.	PUNCT
cblr-9983	219	1	183	183	NUM
cblr-9983	219	2	,	,	PUNCT
cblr-9983	219	3	443	443	NUM
cblr-9983	219	4	,	,	PUNCT
cblr-9983	219	5	(	(	PUNCT
cblr-9983	219	6	codified	codify	VERB
cblr-9983	219	7	at	at	ADP
cblr-9983	219	8	12	12	NUM
cblr-9983	219	9	u.s.c	u.s.c	NOUN
cblr-9983	219	10	.	.	PUNCT
cblr-9983	220	1	§	§	PROPN
cblr-9983	220	2	204	204	NUM
cblr-9983	220	3	)	)	PUNCT
cblr-9983	220	4	(	(	PUNCT
cblr-9983	220	5	emphasis	emphasis	NOUN
cblr-9983	220	6	added	add	VERB
cblr-9983	220	7	)	)	PUNCT
cblr-9983	220	8	.	.	PUNCT
cblr-9983	221	1	24	24	NUM
cblr-9983	221	2	economic	economic	ADJ
cblr-9983	221	3	growth	growth	NOUN
cblr-9983	221	4	,	,	PUNCT
cblr-9983	221	5	regulatory	regulatory	ADJ
cblr-9983	221	6	relief	relief	NOUN
cblr-9983	221	7	,	,	PUNCT
cblr-9983	221	8	and	and	CCONJ
cblr-9983	221	9	consumer	consumer	NOUN
cblr-9983	221	10	protection	protection	PROPN
cblr-9983	221	11	act	act	PROPN
cblr-9983	221	12	,	,	PUNCT
cblr-9983	221	13	pub	pub	NOUN
cblr-9983	221	14	.	.	PUNCT
cblr-9983	222	1	l.	l.	PROPN
cblr-9983	222	2	no	no	INTJ
cblr-9983	222	3	.	.	PROPN
cblr-9983	223	1	115	115	NUM
cblr-9983	223	2	-	-	SYM
cblr-9983	223	3	174	174	NUM
cblr-9983	223	4	,	,	PUNCT
cblr-9983	223	5	132	132	NUM
cblr-9983	223	6	stat	stat	NOUN
cblr-9983	223	7	.	.	PUNCT
cblr-9983	224	1	1296	1296	NUM
cblr-9983	224	2	(	(	PUNCT
cblr-9983	224	3	2018	2018	NUM
cblr-9983	224	4	)	)	PUNCT
cblr-9983	224	5	(	(	PUNCT
cblr-9983	224	6	codified	codify	VERB
cblr-9983	224	7	as	as	SCONJ
cblr-9983	224	8	amended	amend	VERB
cblr-9983	224	9	in	in	ADP
cblr-9983	224	10	scattered	scatter	VERB
cblr-9983	224	11	sections	section	NOUN
cblr-9983	224	12	of	of	ADP
cblr-9983	224	13	12	12	NUM
cblr-9983	224	14	u.s.c	u.s.c	ADJ
cblr-9983	224	15	.	.	PUNCT
cblr-9983	225	1	and	and	CCONJ
cblr-9983	225	2	15	15	NUM
cblr-9983	225	3	u.s.c	u.s.c	ADJ
cblr-9983	225	4	.	.	PUNCT
cblr-9983	225	5	)	)	PUNCT
cblr-9983	225	6	.	.	PUNCT
cblr-9983	226	1	25	25	NUM
cblr-9983	226	2	economic	economic	ADJ
cblr-9983	226	3	growth	growth	NOUN
cblr-9983	226	4	,	,	PUNCT
cblr-9983	226	5	regulatory	regulatory	ADJ
cblr-9983	226	6	relief	relief	NOUN
cblr-9983	226	7	,	,	PUNCT
cblr-9983	226	8	and	and	CCONJ
cblr-9983	226	9	consumer	consumer	NOUN
cblr-9983	226	10	protection	protection	PROPN
cblr-9983	226	11	act	act	NOUN
cblr-9983	226	12	§	§	PROPN
cblr-9983	226	13	214	214	NUM
cblr-9983	226	14	,	,	PUNCT
cblr-9983	226	15	12	12	NUM
cblr-9983	226	16	u.s.c	u.s.c	ADJ
cblr-9983	226	17	.	.	PUNCT
cblr-9983	227	1	§	§	PROPN
cblr-9983	227	2	1831bb(e	1831bb(e	NUM
cblr-9983	227	3	)	)	PUNCT
cblr-9983	227	4	(	(	PUNCT
cblr-9983	227	5	emphasis	emphasis	NOUN
cblr-9983	227	6	added	add	VERB
cblr-9983	227	7	)	)	PUNCT
cblr-9983	227	8	.	.	PUNCT
cblr-9983	228	1	there	there	PRON
cblr-9983	228	2	are	be	VERB
cblr-9983	228	3	other	other	ADJ
cblr-9983	228	4	examples	example	NOUN
cblr-9983	228	5	of	of	ADP
cblr-9983	228	6	statutory	statutory	ADJ
cblr-9983	228	7	provisions	provision	NOUN
cblr-9983	228	8	distinguishing	distinguish	VERB
cblr-9983	228	9	supervision	supervision	NOUN
cblr-9983	228	10	from	from	ADP
cblr-9983	228	11	examination	examination	NOUN
cblr-9983	228	12	and	and	CCONJ
cblr-9983	228	13	enforcement	enforcement	NOUN
cblr-9983	228	14	.	.	PUNCT
cblr-9983	229	1	see	see	VERB
cblr-9983	229	2	,	,	PUNCT
cblr-9983	229	3	e.g.	e.g.	ADV
cblr-9983	229	4	,	,	PUNCT
cblr-9983	229	5	12	12	NUM
cblr-9983	229	6	u.s.c	u.s.c	NOUN
cblr-9983	229	7	.	.	PUNCT
cblr-9983	230	1	§	§	PROPN
cblr-9983	230	2	3109(a	3109(a	PROPN
cblr-9983	230	3	)	)	PUNCT
cblr-9983	230	4	(	(	PUNCT
cblr-9983	230	5	banking	banking	NOUN
cblr-9983	230	6	agencies	agency	NOUN
cblr-9983	230	7	“	"	PUNCT
cblr-9983	230	8	may	may	AUX
cblr-9983	230	9	disclose	disclose	VERB
cblr-9983	230	10	information	information	NOUN
cblr-9983	230	11	obtained	obtain	VERB
cblr-9983	230	12	in	in	ADP
cblr-9983	230	13	the	the	DET
cblr-9983	230	14	course	course	NOUN
cblr-9983	230	15	of	of	ADP
cblr-9983	230	16	exercising	exercise	VERB
cblr-9983	230	17	supervisory	supervisory	ADJ
cblr-9983	230	18	or	or	CCONJ
cblr-9983	230	19	examination	examination	NOUN
cblr-9983	230	20	authority	authority	NOUN
cblr-9983	230	21	to	to	ADP
cblr-9983	230	22	any	any	DET
cblr-9983	230	23	foreign	foreign	ADJ
cblr-9983	230	24	bank	bank	NOUN
cblr-9983	230	25	regulatory	regulatory	ADJ
cblr-9983	230	26	or	or	CCONJ
cblr-9983	230	27	supervisory	supervisory	ADJ
cblr-9983	230	28	authority	authority	NOUN
cblr-9983	230	29	.	.	PUNCT
cblr-9983	230	30	.	.	PUNCT
cblr-9983	230	31	.	.	PUNCT
cblr-9983	230	32	”	"	PUNCT
cblr-9983	231	1	(	(	PUNCT
cblr-9983	231	2	emphasis	emphasis	NOUN
cblr-9983	231	3	added	add	VERB
cblr-9983	231	4	)	)	PUNCT
cblr-9983	231	5	)	)	PUNCT
cblr-9983	231	6	;	;	PUNCT
cblr-9983	232	1	i	i	PROPN
cblr-9983	232	2	d	d	PROPN
cblr-9983	232	3	§	§	PROPN
cblr-9983	232	4	3903	3903	NUM
cblr-9983	232	5	(	(	PUNCT
cblr-9983	232	6	instructing	instruct	VERB
cblr-9983	232	7	banking	banking	NOUN
cblr-9983	232	8	agencies	agency	NOUN
cblr-9983	232	9	to	to	PART
cblr-9983	232	10	make	make	VERB
cblr-9983	232	11	an	an	DET
cblr-9983	232	12	evaluation	evaluation	NOUN
cblr-9983	232	13	of	of	ADP
cblr-9983	232	14	banks	bank	NOUN
cblr-9983	232	15	’	'	PUNCT
cblr-9983	232	16	exposure	exposure	NOUN
cblr-9983	232	17	to	to	ADP
cblr-9983	232	18	foreign	foreign	ADJ
cblr-9983	232	19	countries	country	NOUN
cblr-9983	232	20	“	"	PUNCT
cblr-9983	232	21	for	for	ADP
cblr-9983	232	22	use	use	NOUN
cblr-9983	232	23	in	in	ADP
cblr-9983	232	24	banking	banking	NOUN
cblr-9983	232	25	institution	institution	NOUN
cblr-9983	232	26	examination	examination	NOUN
cblr-9983	232	27	and	and	CCONJ
cblr-9983	232	28	supervision	supervision	NOUN
cblr-9983	232	29	.	.	PUNCT
cblr-9983	232	30	”	"	PUNCT
cblr-9983	233	1	(	(	PUNCT
cblr-9983	233	2	emphasis	emphasis	NOUN
cblr-9983	233	3	added	add	VERB
cblr-9983	233	4	)	)	PUNCT
cblr-9983	233	5	)	)	PUNCT
cblr-9983	233	6	;	;	PUNCT
cblr-9983	233	7	i	i	PROPN
cblr-9983	233	8	d.	d.	PROPN
cblr-9983	233	9	§	§	PROPN
cblr-9983	233	10	3910(a)(2	3910(a)(2	NOUN
cblr-9983	233	11	)	)	PUNCT
cblr-9983	233	12	(	(	PUNCT
cblr-9983	233	13	audit	audit	NOUN
cblr-9983	233	14	by	by	ADP
cblr-9983	233	15	government	government	NOUN
cblr-9983	233	16	accountability	accountability	NOUN
cblr-9983	233	17	office	office	NOUN
cblr-9983	233	18	“	"	PUNCT
cblr-9983	233	19	may	may	AUX
cblr-9983	233	20	include	include	VERB
cblr-9983	233	21	a	a	DET
cblr-9983	233	22	review	review	NOUN
cblr-9983	233	23	or	or	CCONJ
cblr-9983	233	24	evaluation	evaluation	NOUN
cblr-9983	233	25	of	of	ADP
cblr-9983	233	26	the	the	DET
cblr-9983	233	27	international	international	ADJ
cblr-9983	233	28	regulation	regulation	NOUN
cblr-9983	233	29	,	,	PUNCT
cblr-9983	233	30	supervision	supervision	NOUN
cblr-9983	233	31	,	,	PUNCT
cblr-9983	233	32	and	and	CCONJ
cblr-9983	233	33	examination	examination	NOUN
cblr-9983	233	34	activities	activity	NOUN
cblr-9983	233	35	”	"	PUNCT
cblr-9983	233	36	of	of	ADP
cblr-9983	233	37	a	a	DET
cblr-9983	233	38	federal	federal	ADJ
cblr-9983	233	39	banking	banking	NOUN
cblr-9983	233	40	agency	agency	NOUN
cblr-9983	233	41	(	(	PUNCT
cblr-9983	233	42	emphasis	emphasis	NOUN
cblr-9983	233	43	added	add	VERB
cblr-9983	233	44	)	)	PUNCT
cblr-9983	233	45	)	)	PUNCT
cblr-9983	233	46	;	;	PUNCT
cblr-9983	233	47	i	i	PROPN
cblr-9983	233	48	d.	d.	PROPN
cblr-9983	233	49	§	§	PROPN
cblr-9983	233	50	5362(b	5362(b	PROPN
cblr-9983	233	51	)	)	PUNCT
cblr-9983	233	52	(	(	PUNCT
cblr-9983	233	53	federal	federal	PROPN
cblr-9983	233	54	reserve	reserve	NOUN
cblr-9983	233	55	may	may	AUX
cblr-9983	233	56	recommend	recommend	VERB
cblr-9983	233	57	that	that	DET
cblr-9983	233	58	primary	primary	ADJ
cblr-9983	233	59	financial	financial	ADJ
cblr-9983	233	60	regulatory	regulatory	ADJ
cblr-9983	233	61	agency	agency	NOUN
cblr-9983	233	62	for	for	ADP
cblr-9983	233	63	a	a	DET
cblr-9983	233	64	subsidiary	subsidiary	NOUN
cblr-9983	233	65	of	of	ADP
cblr-9983	233	66	a	a	DET
cblr-9983	233	67	bank	bank	NOUN
cblr-9983	233	68	holding	hold	VERB
cblr-9983	233	69	company	company	NOUN
cblr-9983	233	70	“	"	PUNCT
cblr-9983	233	71	initiate	initiate	VERB
cblr-9983	233	72	a	a	DET
cblr-9983	233	73	supervisory	supervisory	ADJ
cblr-9983	233	74	no	no	NOUN
cblr-9983	233	75	.	.	PUNCT
cblr-9983	234	1	1:279	1:279	NOUN
cblr-9983	234	2	]	]	X
cblr-9983	234	3	bank	bank	NOUN
cblr-9983	234	4	supervision	supervision	NOUN
cblr-9983	234	5	and	and	CCONJ
cblr-9983	234	6	administrative	administrative	ADJ
cblr-9983	234	7	law	law	NOUN
cblr-9983	234	8	291	291	NUM
cblr-9983	234	9	some	some	DET
cblr-9983	234	10	statutory	statutory	ADJ
cblr-9983	234	11	provisions	provision	NOUN
cblr-9983	234	12	refer	refer	VERB
cblr-9983	234	13	to	to	ADP
cblr-9983	234	14	supervisory	supervisory	ADJ
cblr-9983	234	15	“	"	PUNCT
cblr-9983	234	16	actions	action	NOUN
cblr-9983	234	17	”	"	PUNCT
cblr-9983	234	18	or	or	CCONJ
cblr-9983	234	19	“	"	PUNCT
cblr-9983	234	20	determinations	determination	NOUN
cblr-9983	234	21	”	"	PUNCT
cblr-9983	234	22	in	in	ADP
cblr-9983	234	23	contexts	context	NOUN
cblr-9983	234	24	clearly	clearly	ADV
cblr-9983	234	25	outside	outside	ADP
cblr-9983	234	26	formal	formal	ADJ
cblr-9983	234	27	enforcement	enforcement	NOUN
cblr-9983	234	28	proceedings	proceeding	NOUN
cblr-9983	234	29	.	.	PUNCT
cblr-9983	235	1	as	as	ADP
cblr-9983	235	2	part	part	NOUN
cblr-9983	235	3	of	of	ADP
cblr-9983	235	4	its	its	PRON
cblr-9983	235	5	legislative	legislative	ADJ
cblr-9983	235	6	response	response	NOUN
cblr-9983	235	7	to	to	ADP
cblr-9983	235	8	the	the	DET
cblr-9983	235	9	savings	saving	NOUN
cblr-9983	235	10	and	and	CCONJ
cblr-9983	235	11	loan	loan	NOUN
cblr-9983	235	12	crisis	crisis	NOUN
cblr-9983	235	13	that	that	PRON
cblr-9983	235	14	began	begin	VERB
cblr-9983	235	15	in	in	ADP
cblr-9983	235	16	the	the	DET
cblr-9983	235	17	late	late	ADJ
cblr-9983	235	18	1980s	1980	NOUN
cblr-9983	235	19	,	,	PUNCT
cblr-9983	235	20	congress	congress	PROPN
cblr-9983	235	21	required	require	VERB
cblr-9983	235	22	federal	federal	ADJ
cblr-9983	235	23	banking	banking	NOUN
cblr-9983	235	24	agencies	agency	NOUN
cblr-9983	235	25	to	to	PART
cblr-9983	235	26	maintain	maintain	VERB
cblr-9983	235	27	records	record	NOUN
cblr-9983	235	28	of	of	ADP
cblr-9983	235	29	“	"	PUNCT
cblr-9983	235	30	all	all	DET
cblr-9983	235	31	informal	informal	ADJ
cblr-9983	235	32	enforcement	enforcement	NOUN
cblr-9983	235	33	agreements	agreement	NOUN
cblr-9983	235	34	and	and	CCONJ
cblr-9983	235	35	other	other	ADJ
cblr-9983	235	36	supervisory	supervisory	ADJ
cblr-9983	235	37	actions	action	NOUN
cblr-9983	235	38	”	"	PUNCT
cblr-9983	235	39	related	relate	VERB
cblr-9983	235	40	to	to	ADP
cblr-9983	235	41	any	any	DET
cblr-9983	235	42	subsequent	subsequent	ADJ
cblr-9983	235	43	administrative	administrative	ADJ
cblr-9983	235	44	enforcement	enforcement	NOUN
cblr-9983	235	45	proceedings.26	proceedings.26	PROPN
cblr-9983	235	46	a.	a.	NOUN
cblr-9983	235	47	the	the	DET
cblr-9983	235	48	role	role	NOUN
cblr-9983	235	49	of	of	ADP
cblr-9983	235	50	bank	bank	NOUN
cblr-9983	235	51	supervision	supervision	NOUN
cblr-9983	235	52	although	although	SCONJ
cblr-9983	235	53	a	a	DET
cblr-9983	235	54	full	full	ADJ
cblr-9983	235	55	exposition	exposition	NOUN
cblr-9983	235	56	of	of	ADP
cblr-9983	235	57	prudential	prudential	PROPN
cblr-9983	235	58	bank	bank	PROPN
cblr-9983	235	59	regulation	regulation	NOUN
cblr-9983	235	60	is	be	AUX
cblr-9983	235	61	beyond	beyond	ADP
cblr-9983	235	62	the	the	DET
cblr-9983	235	63	scope	scope	NOUN
cblr-9983	235	64	of	of	ADP
cblr-9983	235	65	this	this	DET
cblr-9983	235	66	article	article	NOUN
cblr-9983	235	67	,	,	PUNCT
cblr-9983	235	68	a	a	DET
cblr-9983	235	69	brief	brief	ADJ
cblr-9983	235	70	explanation	explanation	NOUN
cblr-9983	235	71	provides	provide	VERB
cblr-9983	235	72	some	some	DET
cblr-9983	235	73	context	context	NOUN
cblr-9983	235	74	for	for	ADP
cblr-9983	235	75	understanding	understand	VERB
cblr-9983	235	76	the	the	DET
cblr-9983	235	77	role	role	NOUN
cblr-9983	235	78	of	of	ADP
cblr-9983	235	79	supervision.27	supervision.27	PROPN
cblr-9983	235	80	prudential	prudential	PROPN
cblr-9983	235	81	bank	bank	PROPN
cblr-9983	235	82	regulation	regulation	NOUN
cblr-9983	235	83	is	be	AUX
cblr-9983	235	84	traditionally	traditionally	ADV
cblr-9983	235	85	motivated	motivate	VERB
cblr-9983	235	86	by	by	ADP
cblr-9983	235	87	moral	moral	ADJ
cblr-9983	235	88	hazard	hazard	NOUN
cblr-9983	235	89	and	and	CCONJ
cblr-9983	235	90	negative	negative	ADJ
cblr-9983	235	91	externality	externality	NOUN
cblr-9983	235	92	problems	problem	NOUN
cblr-9983	235	93	.	.	PUNCT
cblr-9983	236	1	moral	moral	ADJ
cblr-9983	236	2	hazard	hazard	NOUN
cblr-9983	236	3	inheres	inhere	NOUN
cblr-9983	236	4	in	in	ADP
cblr-9983	236	5	government	government	NOUN
cblr-9983	236	6	-	-	PUNCT
cblr-9983	236	7	provided	provide	VERB
cblr-9983	236	8	deposit	deposit	NOUN
cblr-9983	236	9	insurance	insurance	NOUN
cblr-9983	236	10	programs	program	NOUN
cblr-9983	236	11	,	,	PUNCT
cblr-9983	236	12	access	access	NOUN
cblr-9983	236	13	to	to	ADP
cblr-9983	236	14	discount	discount	NOUN
cblr-9983	236	15	window	window	NOUN
cblr-9983	236	16	and	and	CCONJ
cblr-9983	236	17	other	other	ADJ
cblr-9983	236	18	central	central	PROPN
cblr-9983	236	19	bank	bank	PROPN
cblr-9983	236	20	liquidity	liquidity	NOUN
cblr-9983	236	21	facilities,28	facilities,28	VERB
cblr-9983	236	22	and	and	CCONJ
cblr-9983	236	23	,	,	PUNCT
cblr-9983	236	24	less	less	ADV
cblr-9983	236	25	directly	directly	ADV
cblr-9983	236	26	,	,	PUNCT
cblr-9983	236	27	the	the	DET
cblr-9983	236	28	well	well	ADV
cblr-9983	236	29	-	-	PUNCT
cblr-9983	236	30	grounded	ground	VERB
cblr-9983	236	31	belief	belief	NOUN
cblr-9983	236	32	that	that	SCONJ
cblr-9983	236	33	government	government	NOUN
cblr-9983	236	34	will	will	AUX
cblr-9983	236	35	support	support	VERB
cblr-9983	236	36	banks	bank	NOUN
cblr-9983	236	37	when	when	SCONJ
cblr-9983	236	38	liquidity	liquidity	NOUN
cblr-9983	236	39	action	action	NOUN
cblr-9983	236	40	or	or	CCONJ
cblr-9983	236	41	enforcement	enforcement	NOUN
cblr-9983	236	42	proceeding	proceeding	NOUN
cblr-9983	236	43	”	"	PUNCT
cblr-9983	236	44	and	and	CCONJ
cblr-9983	236	45	may	may	AUX
cblr-9983	236	46	take	take	VERB
cblr-9983	236	47	that	that	DET
cblr-9983	236	48	action	action	NOUN
cblr-9983	236	49	if	if	SCONJ
cblr-9983	236	50	unsatisfied	unsatisfie	VERB
cblr-9983	236	51	with	with	ADP
cblr-9983	236	52	other	other	ADJ
cblr-9983	236	53	agency	agency	NOUN
cblr-9983	236	54	’s	’s	PART
cblr-9983	236	55	response	response	NOUN
cblr-9983	236	56	(	(	PUNCT
cblr-9983	236	57	emphasis	emphasis	NOUN
cblr-9983	236	58	added	add	VERB
cblr-9983	236	59	)	)	PUNCT
cblr-9983	236	60	)	)	PUNCT
cblr-9983	236	61	.	.	PUNCT
cblr-9983	237	1	26	26	NUM
cblr-9983	237	2	comprehensive	comprehensive	ADJ
cblr-9983	237	3	thrift	thrift	NOUN
cblr-9983	237	4	and	and	CCONJ
cblr-9983	237	5	bank	bank	NOUN
cblr-9983	237	6	fraud	fraud	NOUN
cblr-9983	237	7	prosecution	prosecution	NOUN
cblr-9983	237	8	and	and	CCONJ
cblr-9983	237	9	taxpayer	taxpayer	NOUN
cblr-9983	237	10	recovery	recovery	NOUN
cblr-9983	237	11	act	act	NOUN
cblr-9983	237	12	of	of	ADP
cblr-9983	237	13	1990	1990	NUM
cblr-9983	237	14	,	,	PUNCT
cblr-9983	237	15	pub	pub	NOUN
cblr-9983	237	16	.	.	PUNCT
cblr-9983	238	1	l.	l.	PROPN
cblr-9983	238	2	no	no	INTJ
cblr-9983	238	3	.	.	PROPN
cblr-9983	239	1	101	101	NUM
cblr-9983	239	2	-	-	SYM
cblr-9983	239	3	647	647	NUM
cblr-9983	239	4	,	,	PUNCT
cblr-9983	239	5	sec	sec	PROPN
cblr-9983	239	6	.	.	PROPN
cblr-9983	239	7	2547(a)(1	2547(a)(1	NUM
cblr-9983	239	8	)	)	PUNCT
cblr-9983	239	9	,	,	PUNCT
cblr-9983	239	10	§	§	PROPN
cblr-9983	239	11	8(u)(7	8(u)(7	NUM
cblr-9983	239	12	)	)	PUNCT
cblr-9983	239	13	,	,	PUNCT
cblr-9983	239	14	104	104	NUM
cblr-9983	239	15	stat	stat	NOUN
cblr-9983	239	16	.	.	PUNCT
cblr-9983	240	1	4859	4859	NUM
cblr-9983	240	2	,	,	PUNCT
cblr-9983	240	3	4887	4887	NUM
cblr-9983	240	4	(	(	PUNCT
cblr-9983	240	5	codified	codify	VERB
cblr-9983	240	6	at	at	ADP
cblr-9983	240	7	12	12	NUM
cblr-9983	240	8	u.s.c	u.s.c	NOUN
cblr-9983	240	9	.	.	PUNCT
cblr-9983	241	1	§	§	PROPN
cblr-9983	241	2	1818(u)(6	1818(u)(6	NUM
cblr-9983	241	3	)	)	PUNCT
cblr-9983	241	4	)	)	PUNCT
cblr-9983	241	5	.	.	PUNCT
cblr-9983	242	1	see	see	VERB
cblr-9983	242	2	also	also	ADV
cblr-9983	242	3	12	12	NUM
cblr-9983	242	4	u.s.c	u.s.c	ADJ
cblr-9983	242	5	.	.	PUNCT
cblr-9983	243	1	§	§	PROPN
cblr-9983	243	2	4806(a	4806(a	NUM
cblr-9983	243	3	)	)	PUNCT
cblr-9983	244	1	(	(	PUNCT
cblr-9983	244	2	requiring	require	VERB
cblr-9983	244	3	“	"	PUNCT
cblr-9983	244	4	an	an	DET
cblr-9983	244	5	independent	independent	ADJ
cblr-9983	244	6	intra	intra	ADJ
cblr-9983	244	7	-	-	ADJ
cblr-9983	244	8	agency	agency	ADJ
cblr-9983	244	9	appellate	appellate	ADJ
cblr-9983	244	10	process	process	NOUN
cblr-9983	244	11	.	.	PUNCT
cblr-9983	244	12	.	.	PUNCT
cblr-9983	244	13	.	.	PUNCT
cblr-9983	245	1	to	to	PART
cblr-9983	245	2	review	review	VERB
cblr-9983	245	3	material	material	NOUN
cblr-9983	245	4	supervisory	supervisory	ADJ
cblr-9983	245	5	determinations	determination	NOUN
cblr-9983	245	6	made	make	VERB
cblr-9983	245	7	at	at	ADP
cblr-9983	245	8	insure	insure	VERB
cblr-9983	245	9	depository	depository	NOUN
cblr-9983	245	10	institutions	institution	NOUN
cblr-9983	245	11	”	"	PUNCT
cblr-9983	245	12	(	(	PUNCT
cblr-9983	245	13	emphasis	emphasis	NOUN
cblr-9983	245	14	added	add	VERB
cblr-9983	245	15	)	)	PUNCT
cblr-9983	245	16	)	)	PUNCT
cblr-9983	245	17	.	.	PUNCT
cblr-9983	246	1	27	27	NUM
cblr-9983	246	2	the	the	DET
cblr-9983	246	3	adjective	adjective	ADJ
cblr-9983	246	4	“	"	PUNCT
cblr-9983	246	5	prudential	prudential	ADJ
cblr-9983	246	6	”	"	PUNCT
cblr-9983	246	7	confines	confine	NOUN
cblr-9983	246	8	the	the	DET
cblr-9983	246	9	scope	scope	NOUN
cblr-9983	246	10	of	of	ADP
cblr-9983	246	11	the	the	DET
cblr-9983	246	12	regulatory	regulatory	ADJ
cblr-9983	246	13	actions	action	NOUN
cblr-9983	246	14	referenced	reference	VERB
cblr-9983	246	15	to	to	ADP
cblr-9983	246	16	those	those	PRON
cblr-9983	246	17	intended	intend	VERB
cblr-9983	246	18	to	to	PART
cblr-9983	246	19	protect	protect	VERB
cblr-9983	246	20	the	the	DET
cblr-9983	246	21	safety	safety	NOUN
cblr-9983	246	22	and	and	CCONJ
cblr-9983	246	23	soundness	soundness	NOUN
cblr-9983	246	24	of	of	ADP
cblr-9983	246	25	banks	bank	NOUN
cblr-9983	246	26	or	or	CCONJ
cblr-9983	246	27	the	the	DET
cblr-9983	246	28	financial	financial	ADJ
cblr-9983	246	29	system	system	NOUN
cblr-9983	246	30	as	as	ADP
cblr-9983	246	31	a	a	DET
cblr-9983	246	32	whole	whole	NOUN
cblr-9983	246	33	.	.	PUNCT
cblr-9983	247	1	there	there	PRON
cblr-9983	247	2	is	be	VERB
cblr-9983	247	3	extensive	extensive	ADJ
cblr-9983	247	4	regulation	regulation	NOUN
cblr-9983	247	5	of	of	ADP
cblr-9983	247	6	banks	bank	NOUN
cblr-9983	247	7	—	—	PUNCT
cblr-9983	247	8	in	in	ADP
cblr-9983	247	9	areas	area	NOUN
cblr-9983	247	10	such	such	ADJ
cblr-9983	247	11	as	as	ADP
cblr-9983	247	12	consumer	consumer	NOUN
cblr-9983	247	13	protection	protection	NOUN
cblr-9983	247	14	and	and	CCONJ
cblr-9983	247	15	anti	anti	ADJ
cblr-9983	247	16	-	-	ADJ
cblr-9983	247	17	money	money	ADJ
cblr-9983	247	18	laundering	laundering	NOUN
cblr-9983	247	19	measures	measure	NOUN
cblr-9983	247	20	—	—	PUNCT
cblr-9983	247	21	that	that	PRON
cblr-9983	247	22	is	be	AUX
cblr-9983	247	23	not	not	PART
cblr-9983	247	24	included	include	VERB
cblr-9983	247	25	under	under	ADP
cblr-9983	247	26	this	this	DET
cblr-9983	247	27	rubric	rubric	NOUN
cblr-9983	247	28	.	.	PUNCT
cblr-9983	248	1	for	for	ADP
cblr-9983	248	2	an	an	DET
cblr-9983	248	3	accessible	accessible	ADJ
cblr-9983	248	4	introduction	introduction	NOUN
cblr-9983	248	5	to	to	ADP
cblr-9983	248	6	both	both	CCONJ
cblr-9983	248	7	the	the	DET
cblr-9983	248	8	prudential	prudential	ADJ
cblr-9983	248	9	and	and	CCONJ
cblr-9983	248	10	non	non	ADJ
cblr-9983	248	11	-	-	ADJ
cblr-9983	248	12	prudential	prudential	ADJ
cblr-9983	248	13	elements	element	NOUN
cblr-9983	248	14	of	of	ADP
cblr-9983	248	15	financial	financial	ADJ
cblr-9983	248	16	regulation	regulation	NOUN
cblr-9983	248	17	,	,	PUNCT
cblr-9983	248	18	see	see	VERB
cblr-9983	248	19	john	john	PROPN
cblr-9983	248	20	armour	armour	PROPN
cblr-9983	248	21	et	et	PROPN
cblr-9983	248	22	al	al	PROPN
cblr-9983	248	23	.	.	PROPN
cblr-9983	248	24	,	,	PUNCT
cblr-9983	248	25	principles	principle	NOUN
cblr-9983	248	26	of	of	ADP
cblr-9983	248	27	financial	financial	ADJ
cblr-9983	248	28	regulation	regulation	NOUN
cblr-9983	248	29	51–79	51–79	PROPN
cblr-9983	248	30	(	(	PUNCT
cblr-9983	248	31	2016	2016	NUM
cblr-9983	248	32	)	)	PUNCT
cblr-9983	248	33	.	.	PUNCT
cblr-9983	249	1	28	28	NUM
cblr-9983	249	2	for	for	ADP
cblr-9983	249	3	an	an	DET
cblr-9983	249	4	explanation	explanation	NOUN
cblr-9983	249	5	of	of	ADP
cblr-9983	249	6	the	the	DET
cblr-9983	249	7	traditional	traditional	ADJ
cblr-9983	249	8	moral	moral	ADJ
cblr-9983	249	9	hazard	hazard	NOUN
cblr-9983	249	10	concerns	concern	NOUN
cblr-9983	249	11	,	,	PUNCT
cblr-9983	249	12	see	see	VERB
cblr-9983	249	13	michael	michael	PROPN
cblr-9983	249	14	s.	s.	PROPN
cblr-9983	249	15	barr	barr	PROPN
cblr-9983	249	16	,	,	PUNCT
cblr-9983	249	17	howell	howell	PROPN
cblr-9983	249	18	e.	e.	PROPN
cblr-9983	249	19	jackson	jackson	PROPN
cblr-9983	249	20	&	&	CCONJ
cblr-9983	249	21	margaret	margaret	PROPN
cblr-9983	249	22	e.	e.	PROPN
cblr-9983	249	23	tahyar	tahyar	PROPN
cblr-9983	249	24	,	,	PUNCT
cblr-9983	249	25	financial	financial	ADJ
cblr-9983	249	26	regulation	regulation	NOUN
cblr-9983	249	27	:	:	PUNCT
cblr-9983	249	28	law	law	NOUN
cblr-9983	249	29	and	and	CCONJ
cblr-9983	249	30	policy	policy	NOUN
cblr-9983	249	31	266–68	266–68	NOUN
cblr-9983	249	32	(	(	PUNCT
cblr-9983	249	33	3rd	3rd	ADJ
cblr-9983	249	34	ed	ed	NOUN
cblr-9983	249	35	.	.	PROPN
cblr-9983	249	36	2021	2021	NUM
cblr-9983	249	37	)	)	PUNCT
cblr-9983	249	38	.	.	PUNCT
cblr-9983	250	1	292	292	NUM
cblr-9983	250	2	columbia	columbia	PROPN
cblr-9983	250	3	business	business	NOUN
cblr-9983	250	4	law	law	PROPN
cblr-9983	250	5	review	review	NOUN
cblr-9983	250	6	[	[	X
cblr-9983	250	7	vol	vol	NOUN
cblr-9983	250	8	.	.	PUNCT
cblr-9983	250	9	2022	2022	NUM
cblr-9983	250	10	strains	strain	NOUN
cblr-9983	250	11	or	or	CCONJ
cblr-9983	250	12	solvency	solvency	NOUN
cblr-9983	250	13	concerns	concern	NOUN
cblr-9983	250	14	across	across	ADP
cblr-9983	250	15	banks	bank	NOUN
cblr-9983	250	16	threaten	threaten	VERB
cblr-9983	250	17	the	the	DET
cblr-9983	250	18	operation	operation	NOUN
cblr-9983	250	19	of	of	ADP
cblr-9983	250	20	the	the	DET
cblr-9983	250	21	financial	financial	ADJ
cblr-9983	250	22	system	system	NOUN
cblr-9983	250	23	as	as	SCONJ
cblr-9983	250	24	a	a	DET
cblr-9983	250	25	whole.29	whole.29	NOUN
cblr-9983	250	26	moral	moral	ADJ
cblr-9983	250	27	hazard	hazard	NOUN
cblr-9983	250	28	concerns	concern	NOUN
cblr-9983	250	29	are	be	AUX
cblr-9983	250	30	especially	especially	ADV
cblr-9983	250	31	pronounced	pronounce	VERB
cblr-9983	250	32	with	with	ADP
cblr-9983	250	33	respect	respect	NOUN
cblr-9983	250	34	to	to	ADP
cblr-9983	250	35	the	the	DET
cblr-9983	250	36	largest	large	ADJ
cblr-9983	250	37	financial	financial	ADJ
cblr-9983	250	38	firms	firm	NOUN
cblr-9983	250	39	,	,	PUNCT
cblr-9983	250	40	the	the	DET
cblr-9983	250	41	failure	failure	NOUN
cblr-9983	250	42	of	of	ADP
cblr-9983	250	43	any	any	DET
cblr-9983	250	44	one	one	NUM
cblr-9983	250	45	of	of	ADP
cblr-9983	250	46	which	which	PRON
cblr-9983	250	47	could	could	AUX
cblr-9983	250	48	have	have	VERB
cblr-9983	250	49	far	far	ADV
cblr-9983	250	50	-	-	PUNCT
cblr-9983	250	51	reaching	reach	VERB
cblr-9983	250	52	consequences	consequence	NOUN
cblr-9983	250	53	for	for	ADP
cblr-9983	250	54	the	the	DET
cblr-9983	250	55	entire	entire	ADJ
cblr-9983	250	56	financial	financial	ADJ
cblr-9983	250	57	system	system	NOUN
cblr-9983	250	58	.	.	PUNCT
cblr-9983	251	1	as	as	SCONJ
cblr-9983	251	2	has	have	AUX
cblr-9983	251	3	been	be	AUX
cblr-9983	251	4	well	well	ADV
cblr-9983	251	5	-	-	PUNCT
cblr-9983	251	6	documented	document	VERB
cblr-9983	251	7	,	,	PUNCT
cblr-9983	251	8	large	large	ADJ
cblr-9983	251	9	banks	bank	NOUN
cblr-9983	251	10	enjoyed	enjoy	VERB
cblr-9983	251	11	an	an	DET
cblr-9983	251	12	effective	effective	ADJ
cblr-9983	251	13	funding	funding	NOUN
cblr-9983	251	14	subsidy	subsidy	NOUN
cblr-9983	251	15	in	in	ADP
cblr-9983	251	16	the	the	DET
cblr-9983	251	17	pre	pre	NOUN
cblr-9983	251	18	-	-	NOUN
cblr-9983	251	19	crisis	crisis	NOUN
cblr-9983	251	20	period.30	period.30	VERB
cblr-9983	251	21	investors	investor	NOUN
cblr-9983	251	22	and	and	CCONJ
cblr-9983	251	23	counterparties	counterpartie	NOUN
cblr-9983	251	24	incorporated	incorporate	VERB
cblr-9983	251	25	a	a	DET
cblr-9983	251	26	lower	low	ADJ
cblr-9983	251	27	risk	risk	NOUN
cblr-9983	251	28	premium	premium	NOUN
cblr-9983	251	29	in	in	ADP
cblr-9983	251	30	lending	lend	VERB
cblr-9983	251	31	to	to	ADP
cblr-9983	251	32	those	those	DET
cblr-9983	251	33	firms	firm	NOUN
cblr-9983	251	34	,	,	PUNCT
cblr-9983	251	35	apparently	apparently	ADV
cblr-9983	251	36	reflecting	reflect	VERB
cblr-9983	251	37	their	their	PRON
cblr-9983	251	38	judgment	judgment	NOUN
cblr-9983	251	39	that	that	SCONJ
cblr-9983	251	40	they	they	PRON
cblr-9983	251	41	would	would	AUX
cblr-9983	251	42	be	be	AUX
cblr-9983	251	43	made	make	VERB
cblr-9983	251	44	whole	whole	ADJ
cblr-9983	251	45	through	through	ADP
cblr-9983	251	46	government	government	NOUN
cblr-9983	251	47	assistance	assistance	NOUN
cblr-9983	251	48	to	to	ADP
cblr-9983	251	49	large	large	ADJ
cblr-9983	251	50	banks	bank	NOUN
cblr-9983	251	51	during	during	ADP
cblr-9983	251	52	periods	period	NOUN
cblr-9983	251	53	of	of	ADP
cblr-9983	251	54	stress.31	stress.31	NOUN
cblr-9983	251	55	although	although	SCONJ
cblr-9983	251	56	there	there	PRON
cblr-9983	251	57	is	be	VERB
cblr-9983	251	58	some	some	DET
cblr-9983	251	59	evidence	evidence	NOUN
cblr-9983	251	60	that	that	SCONJ
cblr-9983	251	61	post	post	ADJ
cblr-9983	251	62	-	-	ADJ
cblr-9983	251	63	crisis	crisis	ADJ
cblr-9983	251	64	regulatory	regulatory	ADJ
cblr-9983	251	65	reforms	reform	NOUN
cblr-9983	251	66	have	have	AUX
cblr-9983	251	67	reduced	reduce	VERB
cblr-9983	251	68	this	this	DET
cblr-9983	251	69	subsidy,32	subsidy,32	NOUN
cblr-9983	251	70	there	there	PRON
cblr-9983	251	71	is	be	VERB
cblr-9983	251	72	little	little	ADJ
cblr-9983	251	73	doubt	doubt	NOUN
cblr-9983	251	74	that	that	SCONJ
cblr-9983	251	75	the	the	DET
cblr-9983	251	76	government	government	NOUN
cblr-9983	251	77	continues	continue	VERB
cblr-9983	251	78	to	to	PART
cblr-9983	251	79	provide	provide	VERB
cblr-9983	251	80	what	what	PRON
cblr-9983	251	81	is	be	AUX
cblr-9983	251	82	effectively	effectively	ADV
cblr-9983	251	83	a	a	DET
cblr-9983	251	84	form	form	NOUN
cblr-9983	251	85	of	of	ADP
cblr-9983	251	86	systemic	systemic	ADJ
cblr-9983	251	87	risk	risk	NOUN
cblr-9983	251	88	insurance	insurance	NOUN
cblr-9983	251	89	to	to	ADP
cblr-9983	251	90	banks	bank	NOUN
cblr-9983	251	91	and	and	CCONJ
cblr-9983	251	92	,	,	PUNCT
cblr-9983	251	93	indeed	indeed	ADV
cblr-9983	251	94	,	,	PUNCT
cblr-9983	251	95	the	the	DET
cblr-9983	251	96	entire	entire	ADJ
cblr-9983	251	97	financial	financial	ADJ
cblr-9983	251	98	system	system	NOUN
cblr-9983	251	99	of	of	ADP
cblr-9983	251	100	which	which	PRON
cblr-9983	251	101	banks	bank	NOUN
cblr-9983	251	102	are	be	AUX
cblr-9983	251	103	one	one	NUM
cblr-9983	251	104	important	important	ADJ
cblr-9983	251	105	part.33	part.33	NOUN
cblr-9983	251	106	29	29	NUM
cblr-9983	251	107	for	for	ADP
cblr-9983	251	108	an	an	DET
cblr-9983	251	109	explanation	explanation	NOUN
cblr-9983	251	110	of	of	ADP
cblr-9983	251	111	the	the	DET
cblr-9983	251	112	dynamic	dynamic	NOUN
cblr-9983	251	113	behind	behind	ADP
cblr-9983	251	114	this	this	DET
cblr-9983	251	115	more	more	ADV
cblr-9983	251	116	indirect	indirect	ADJ
cblr-9983	251	117	form	form	NOUN
cblr-9983	251	118	of	of	ADP
cblr-9983	251	119	moral	moral	ADJ
cblr-9983	251	120	hazard	hazard	NOUN
cblr-9983	251	121	,	,	PUNCT
cblr-9983	251	122	see	see	VERB
cblr-9983	251	123	emmanuel	emmanuel	PROPN
cblr-9983	251	124	farhi	farhi	PROPN
cblr-9983	251	125	&	&	CCONJ
cblr-9983	251	126	jean	jean	PROPN
cblr-9983	251	127	tirole	tirole	PROPN
cblr-9983	251	128	,	,	PUNCT
cblr-9983	251	129	collective	collective	ADJ
cblr-9983	251	130	moral	moral	ADJ
cblr-9983	251	131	hazard	hazard	NOUN
cblr-9983	251	132	,	,	PUNCT
cblr-9983	251	133	maturity	maturity	NOUN
cblr-9983	251	134	mismatch	mismatch	NOUN
cblr-9983	251	135	,	,	PUNCT
cblr-9983	251	136	and	and	CCONJ
cblr-9983	251	137	systemic	systemic	ADJ
cblr-9983	251	138	bailouts	bailout	NOUN
cblr-9983	251	139	,	,	PUNCT
cblr-9983	251	140	102	102	NUM
cblr-9983	251	141	am	am	NOUN
cblr-9983	251	142	.	.	PUNCT
cblr-9983	252	1	econ	econ	PROPN
cblr-9983	252	2	.	.	PUNCT
cblr-9983	253	1	rev	rev	PROPN
cblr-9983	253	2	.	.	PROPN
cblr-9983	253	3	60	60	NUM
cblr-9983	253	4	,	,	PUNCT
cblr-9983	253	5	61–62	61–62	NUM
cblr-9983	253	6	(	(	PUNCT
cblr-9983	253	7	2012	2012	NUM
cblr-9983	253	8	)	)	PUNCT
cblr-9983	253	9	.	.	PUNCT
cblr-9983	254	1	30	30	NUM
cblr-9983	254	2	see	see	VERB
cblr-9983	254	3	elijah	elijah	PROPN
cblr-9983	254	4	brewer	brewer	PROPN
cblr-9983	254	5	iii	iii	PROPN
cblr-9983	254	6	&	&	CCONJ
cblr-9983	254	7	julapa	julapa	PROPN
cblr-9983	254	8	jagtiani	jagtiani	PROPN
cblr-9983	254	9	,	,	PUNCT
cblr-9983	254	10	how	how	SCONJ
cblr-9983	254	11	much	much	ADJ
cblr-9983	254	12	did	do	AUX
cblr-9983	254	13	banks	bank	NOUN
cblr-9983	254	14	pay	pay	VERB
cblr-9983	254	15	to	to	PART
cblr-9983	254	16	become	become	VERB
cblr-9983	254	17	too	too	ADV
cblr-9983	254	18	-	-	PUNCT
cblr-9983	254	19	big	big	ADJ
cblr-9983	254	20	-	-	PUNCT
cblr-9983	254	21	to	to	AUX
cblr-9983	254	22	-	-	PUNCT
cblr-9983	254	23	fail	fail	VERB
cblr-9983	254	24	and	and	CCONJ
cblr-9983	254	25	to	to	PART
cblr-9983	254	26	become	become	VERB
cblr-9983	254	27	systemically	systemically	ADV
cblr-9983	254	28	important	important	ADJ
cblr-9983	254	29	?	?	PUNCT
cblr-9983	254	30	,	,	PUNCT
cblr-9983	254	31	43	43	NUM
cblr-9983	254	32	j.	j.	PROPN
cblr-9983	254	33	fin	fin	PROPN
cblr-9983	254	34	.	.	PUNCT
cblr-9983	255	1	serv	serv	PROPN
cblr-9983	255	2	.	.	PUNCT
cblr-9983	256	1	rsch	rsch	PROPN
cblr-9983	256	2	.	.	PUNCT
cblr-9983	257	1	1	1	NUM
cblr-9983	257	2	,	,	PUNCT
cblr-9983	257	3	30–32	30–32	NUM
cblr-9983	257	4	(	(	PUNCT
cblr-9983	257	5	2013	2013	NUM
cblr-9983	257	6	)	)	PUNCT
cblr-9983	257	7	;	;	PUNCT
cblr-9983	257	8	kenichi	kenichi	PROPN
cblr-9983	257	9	ueda	ueda	PROPN
cblr-9983	257	10	&	&	CCONJ
cblr-9983	257	11	beatrice	beatrice	PROPN
cblr-9983	257	12	weder	weder	PROPN
cblr-9983	257	13	di	di	PROPN
cblr-9983	257	14	mauro	mauro	PROPN
cblr-9983	257	15	,	,	PUNCT
cblr-9983	257	16	quantifying	quantify	VERB
cblr-9983	257	17	structural	structural	ADJ
cblr-9983	257	18	subsidy	subsidy	NOUN
cblr-9983	257	19	values	value	NOUN
cblr-9983	257	20	for	for	ADP
cblr-9983	257	21	systemically	systemically	ADV
cblr-9983	257	22	important	important	ADJ
cblr-9983	257	23	financial	financial	ADJ
cblr-9983	257	24	institutions	institution	NOUN
cblr-9983	257	25	,	,	PUNCT
cblr-9983	257	26	37	37	NUM
cblr-9983	257	27	j.	j.	PROPN
cblr-9983	257	28	banking	banking	PROPN
cblr-9983	257	29	&	&	CCONJ
cblr-9983	257	30	fin	fin	PROPN
cblr-9983	257	31	.	.	PUNCT
cblr-9983	258	1	3830	3830	NUM
cblr-9983	258	2	,	,	PUNCT
cblr-9983	258	3	3840	3840	NUM
cblr-9983	258	4	(	(	PUNCT
cblr-9983	258	5	2013	2013	NUM
cblr-9983	258	6	)	)	PUNCT
cblr-9983	258	7	.	.	PUNCT
cblr-9983	259	1	31	31	NUM
cblr-9983	259	2	see	see	VERB
cblr-9983	259	3	brewer	brewer	NOUN
cblr-9983	259	4	&	&	CCONJ
cblr-9983	259	5	jagtiani	jagtiani	PROPN
cblr-9983	259	6	,	,	PUNCT
cblr-9983	259	7	supra	supra	PROPN
cblr-9983	259	8	note	note	PROPN
cblr-9983	259	9	30	30	NUM
cblr-9983	259	10	;	;	PUNCT
cblr-9983	259	11	ueda	ueda	PROPN
cblr-9983	259	12	&	&	CCONJ
cblr-9983	259	13	weder	weder	PROPN
cblr-9983	259	14	di	di	PROPN
cblr-9983	259	15	mauro	mauro	PROPN
cblr-9983	259	16	,	,	PUNCT
cblr-9983	259	17	supra	supra	PROPN
cblr-9983	259	18	note	note	NOUN
cblr-9983	259	19	30	30	NUM
cblr-9983	259	20	.	.	PUNCT
cblr-9983	259	21	32	32	NUM
cblr-9983	259	22	see	see	VERB
cblr-9983	259	23	nicola	nicola	PROPN
cblr-9983	259	24	cetorelli	cetorelli	PROPN
cblr-9983	259	25	&	&	CCONJ
cblr-9983	259	26	james	james	PROPN
cblr-9983	259	27	traina	traina	PROPN
cblr-9983	259	28	,	,	PUNCT
cblr-9983	259	29	fed	fed	PROPN
cblr-9983	259	30	.	.	PUNCT
cblr-9983	259	31	rsrv	rsrv	PROPN
cblr-9983	259	32	.	.	PUNCT
cblr-9983	260	1	bank	bank	PROPN
cblr-9983	260	2	of	of	ADP
cblr-9983	260	3	n.y	n.y	PROPN
cblr-9983	260	4	.	.	PROPN
cblr-9983	260	5	staff	staff	PROPN
cblr-9983	260	6	rep	rep	PROPN
cblr-9983	260	7	.	.	PROPN
cblr-9983	261	1	no	no	PROPN
cblr-9983	261	2	.	.	PROPN
cblr-9983	261	3	859	859	NUM
cblr-9983	261	4	,	,	PUNCT
cblr-9983	261	5	resolving	resolve	VERB
cblr-9983	261	6	‘	'	PUNCT
cblr-9983	261	7	too	too	ADV
cblr-9983	261	8	big	big	ADJ
cblr-9983	261	9	to	to	PART
cblr-9983	261	10	fail	fail	VERB
cblr-9983	261	11	’	'	PUNCT
cblr-9983	261	12	12	12	NUM
cblr-9983	261	13	(	(	PUNCT
cblr-9983	261	14	2018	2018	NUM
cblr-9983	261	15	)	)	PUNCT
cblr-9983	261	16	,	,	PUNCT
cblr-9983	262	1	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr8	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr8	PROPN
cblr-9983	262	2	59.pdf	59.pdf	PROPN
cblr-9983	262	3	[	[	X
cblr-9983	262	4	https://perma.cc/68sa-tvdy	https://perma.cc/68sa-tvdy	X
cblr-9983	262	5	]	]	X
cblr-9983	262	6	.	.	PUNCT
cblr-9983	263	1	33	33	NUM
cblr-9983	263	2	the	the	DET
cblr-9983	263	3	covid-19	covid-19	PROPN
cblr-9983	263	4	induced	induce	VERB
cblr-9983	263	5	crisis	crisis	NOUN
cblr-9983	263	6	in	in	ADP
cblr-9983	263	7	early	early	ADJ
cblr-9983	263	8	2020	2020	NUM
cblr-9983	263	9	brought	bring	VERB
cblr-9983	263	10	forth	forth	ADP
cblr-9983	263	11	once	once	ADV
cblr-9983	263	12	again	again	ADV
cblr-9983	263	13	a	a	DET
cblr-9983	263	14	multitude	multitude	NOUN
cblr-9983	263	15	of	of	ADP
cblr-9983	263	16	liquidity	liquidity	NOUN
cblr-9983	263	17	facilities	facility	NOUN
cblr-9983	263	18	from	from	ADP
cblr-9983	263	19	the	the	DET
cblr-9983	263	20	federal	federal	PROPN
cblr-9983	263	21	reserve	reserve	PROPN
cblr-9983	263	22	to	to	PART
cblr-9983	263	23	support	support	VERB
cblr-9983	263	24	an	an	DET
cblr-9983	263	25	even	even	ADV
cblr-9983	263	26	broader	broad	ADJ
cblr-9983	263	27	range	range	NOUN
cblr-9983	263	28	of	of	ADP
cblr-9983	263	29	financial	financial	ADJ
cblr-9983	263	30	assets	asset	NOUN
cblr-9983	263	31	.	.	PUNCT
cblr-9983	264	1	see	see	VERB
cblr-9983	264	2	funding	funding	NOUN
cblr-9983	264	3	,	,	PUNCT
cblr-9983	264	4	credit	credit	NOUN
cblr-9983	264	5	,	,	PUNCT
cblr-9983	264	6	liquidity	liquidity	NOUN
cblr-9983	264	7	,	,	PUNCT
cblr-9983	264	8	and	and	CCONJ
cblr-9983	264	9	loan	loan	NOUN
cblr-9983	264	10	facilities	facility	NOUN
cblr-9983	264	11	,	,	PUNCT
cblr-9983	264	12	fed	fed	PROPN
cblr-9983	264	13	.	.	PUNCT
cblr-9983	264	14	rsrv	rsrv	PROPN
cblr-9983	264	15	.	.	PUNCT
cblr-9983	265	1	(	(	PUNCT
cblr-9983	265	2	apr	apr	PROPN
cblr-9983	265	3	.	.	PROPN
cblr-9983	265	4	12	12	NUM
cblr-9983	265	5	,	,	PUNCT
cblr-9983	265	6	2021	2021	NUM
cblr-9983	265	7	)	)	PUNCT
cblr-9983	265	8	,	,	PUNCT
cblr-9983	265	9	https://www.federalreserve.gov/funding-credit-liquidity-and-loanfacilities.htm	https://www.federalreserve.gov/funding-credit-liquidity-and-loanfacilities.htm	PROPN
cblr-9983	266	1	[	[	X
cblr-9983	266	2	https://perma.cc/rry4-pp8j	https://perma.cc/rry4-pp8j	ADP
cblr-9983	266	3	]	]	X
cblr-9983	266	4	(	(	PUNCT
cblr-9983	266	5	describing	describe	VERB
cblr-9983	266	6	various	various	ADJ
cblr-9983	266	7	programs	program	NOUN
cblr-9983	266	8	the	the	DET
cblr-9983	266	9	federal	federal	PROPN
cblr-9983	266	10	reserve	reserve	PROPN
cblr-9983	266	11	established	establish	VERB
cblr-9983	266	12	,	,	PUNCT
cblr-9983	266	13	including	include	VERB
cblr-9983	266	14	the	the	DET
cblr-9983	266	15	municipal	municipal	ADJ
cblr-9983	266	16	liquidity	liquidity	NOUN
cblr-9983	266	17	facility	facility	NOUN
cblr-9983	266	18	,	,	PUNCT
cblr-9983	266	19	a	a	DET
cblr-9983	266	20	main	main	ADJ
cblr-9983	266	21	street	street	NOUN
cblr-9983	266	22	lending	lending	NOUN
cblr-9983	266	23	program	program	NOUN
cblr-9983	266	24	,	,	PUNCT
cblr-9983	266	25	and	and	CCONJ
cblr-9983	266	26	a	a	DET
cblr-9983	266	27	commercial	commercial	ADJ
cblr-9983	266	28	paper	paper	NOUN
cblr-9983	266	29	funding	funding	NOUN
cblr-9983	266	30	facility	facility	NOUN
cblr-9983	266	31	)	)	PUNCT
cblr-9983	266	32	.	.	PUNCT
cblr-9983	267	1	no	no	INTJ
cblr-9983	267	2	.	.	PUNCT
cblr-9983	268	1	1:279	1:279	NOUN
cblr-9983	268	2	]	]	X
cblr-9983	268	3	bank	bank	NOUN
cblr-9983	268	4	supervision	supervision	NOUN
cblr-9983	268	5	and	and	CCONJ
cblr-9983	268	6	administrative	administrative	ADJ
cblr-9983	268	7	law	law	NOUN
cblr-9983	268	8	293	293	NUM
cblr-9983	268	9	a	a	DET
cblr-9983	268	10	complementary	complementary	ADJ
cblr-9983	268	11	rationale	rationale	NOUN
cblr-9983	268	12	for	for	ADP
cblr-9983	268	13	prudential	prudential	ADJ
cblr-9983	268	14	regulation	regulation	NOUN
cblr-9983	268	15	is	be	AUX
cblr-9983	268	16	that	that	SCONJ
cblr-9983	268	17	serious	serious	ADJ
cblr-9983	268	18	financial	financial	ADJ
cblr-9983	268	19	strains	strain	NOUN
cblr-9983	268	20	on	on	ADP
cblr-9983	268	21	large	large	ADJ
cblr-9983	268	22	financial	financial	ADJ
cblr-9983	268	23	institutions	institution	NOUN
cblr-9983	268	24	can	can	AUX
cblr-9983	268	25	produce	produce	VERB
cblr-9983	268	26	severe	severe	ADJ
cblr-9983	268	27	negative	negative	ADJ
cblr-9983	268	28	externalities	externality	NOUN
cblr-9983	268	29	for	for	ADP
cblr-9983	268	30	the	the	DET
cblr-9983	268	31	financial	financial	ADJ
cblr-9983	268	32	system.34	system.34	NOUN
cblr-9983	268	33	that	that	PRON
cblr-9983	268	34	is	be	AUX
cblr-9983	268	35	,	,	PUNCT
cblr-9983	268	36	even	even	ADV
cblr-9983	268	37	if	if	SCONJ
cblr-9983	268	38	moral	moral	ADJ
cblr-9983	268	39	hazard	hazard	NOUN
cblr-9983	268	40	could	could	AUX
cblr-9983	268	41	be	be	AUX
cblr-9983	268	42	substantially	substantially	ADV
cblr-9983	268	43	reduced	reduce	VERB
cblr-9983	268	44	with	with	ADP
cblr-9983	268	45	a	a	DET
cblr-9983	268	46	credible	credible	ADJ
cblr-9983	268	47	prospect	prospect	NOUN
cblr-9983	268	48	of	of	ADP
cblr-9983	268	49	bank	bank	NOUN
cblr-9983	268	50	resolution	resolution	NOUN
cblr-9983	268	51	and	and	CCONJ
cblr-9983	268	52	imposition	imposition	NOUN
cblr-9983	268	53	of	of	ADP
cblr-9983	268	54	losses	loss	NOUN
cblr-9983	268	55	on	on	ADP
cblr-9983	268	56	shareholders	shareholder	NOUN
cblr-9983	268	57	and	and	CCONJ
cblr-9983	268	58	creditors	creditor	NOUN
cblr-9983	268	59	,	,	PUNCT
cblr-9983	268	60	there	there	PRON
cblr-9983	268	61	may	may	AUX
cblr-9983	268	62	still	still	ADV
cblr-9983	268	63	be	be	AUX
cblr-9983	268	64	large	large	ADJ
cblr-9983	268	65	negative	negative	ADJ
cblr-9983	268	66	externalities.35	externalities.35	NOUN
cblr-9983	268	67	the	the	DET
cblr-9983	268	68	actual	actual	ADJ
cblr-9983	268	69	failure	failure	NOUN
cblr-9983	268	70	of	of	ADP
cblr-9983	268	71	large	large	ADJ
cblr-9983	268	72	banks	bank	NOUN
cblr-9983	268	73	could	could	AUX
cblr-9983	268	74	result	result	VERB
cblr-9983	268	75	both	both	PRON
cblr-9983	268	76	in	in	ADP
cblr-9983	268	77	a	a	DET
cblr-9983	268	78	downward	downward	ADJ
cblr-9983	268	79	spiral	spiral	NOUN
cblr-9983	268	80	in	in	ADP
cblr-9983	268	81	asset	asset	NOUN
cblr-9983	268	82	prices	price	NOUN
cblr-9983	268	83	resulting	result	VERB
cblr-9983	268	84	from	from	ADP
cblr-9983	268	85	fire	fire	NOUN
cblr-9983	268	86	sales36	sales36	NOUN
cblr-9983	268	87	and	and	CCONJ
cblr-9983	268	88	in	in	ADP
cblr-9983	268	89	a	a	DET
cblr-9983	268	90	major	major	ADJ
cblr-9983	268	91	contraction	contraction	NOUN
cblr-9983	268	92	of	of	ADP
cblr-9983	268	93	credit	credit	NOUN
cblr-9983	268	94	availability.37	availability.37	NOUN
cblr-9983	268	95	more	more	ADV
cblr-9983	268	96	generally	generally	ADV
cblr-9983	268	97	,	,	PUNCT
cblr-9983	268	98	the	the	DET
cblr-9983	268	99	fact	fact	NOUN
cblr-9983	268	100	that	that	SCONJ
cblr-9983	268	101	banks	bank	NOUN
cblr-9983	268	102	affect	affect	VERB
cblr-9983	268	103	the	the	DET
cblr-9983	268	104	money	money	NOUN
cblr-9983	268	105	supply	supply	NOUN
cblr-9983	268	106	through	through	ADP
cblr-9983	268	107	their	their	PRON
cblr-9983	268	108	creation	creation	NOUN
cblr-9983	268	109	of	of	ADP
cblr-9983	268	110	demand	demand	NOUN
cblr-9983	268	111	deposits	deposit	NOUN
cblr-9983	268	112	gives	give	VERB
cblr-9983	268	113	the	the	DET
cblr-9983	268	114	government	government	NOUN
cblr-9983	268	115	a	a	DET
cblr-9983	268	116	major	major	ADJ
cblr-9983	268	117	stake	stake	NOUN
cblr-9983	268	118	in	in	ADP
cblr-9983	268	119	their	their	PRON
cblr-9983	268	120	stability	stability	NOUN
cblr-9983	268	121	.	.	PUNCT
cblr-9983	269	1	distinctive	distinctive	ADJ
cblr-9983	269	2	characteristics	characteristic	NOUN
cblr-9983	269	3	of	of	ADP
cblr-9983	269	4	traditional	traditional	ADJ
cblr-9983	269	5	banking	banking	NOUN
cblr-9983	269	6	and	and	CCONJ
cblr-9983	269	7	certain	certain	ADJ
cblr-9983	269	8	other	other	ADJ
cblr-9983	269	9	forms	form	NOUN
cblr-9983	269	10	of	of	ADP
cblr-9983	269	11	financial	financial	ADJ
cblr-9983	269	12	intermediation	intermediation	NOUN
cblr-9983	269	13	complicate	complicate	VERB
cblr-9983	269	14	the	the	DET
cblr-9983	269	15	development	development	NOUN
cblr-9983	269	16	of	of	ADP
cblr-9983	269	17	a	a	DET
cblr-9983	269	18	regulatory	regulatory	ADJ
cblr-9983	269	19	framework	framework	NOUN
cblr-9983	269	20	to	to	PART
cblr-9983	269	21	address	address	VERB
cblr-9983	269	22	the	the	DET
cblr-9983	269	23	motivating	motivating	NOUN
cblr-9983	269	24	concerns	concern	NOUN
cblr-9983	269	25	.	.	PUNCT
cblr-9983	270	1	bank	bank	NOUN
cblr-9983	270	2	balance	balance	NOUN
cblr-9983	270	3	sheets	sheet	NOUN
cblr-9983	270	4	can	can	AUX
cblr-9983	270	5	be	be	AUX
cblr-9983	270	6	quite	quite	ADV
cblr-9983	270	7	opaque	opaque	ADJ
cblr-9983	270	8	,	,	PUNCT
cblr-9983	270	9	in	in	SCONJ
cblr-9983	270	10	that	that	SCONJ
cblr-9983	270	11	the	the	DET
cblr-9983	270	12	characteristics	characteristic	NOUN
cblr-9983	270	13	and	and	CCONJ
cblr-9983	270	14	quality	quality	NOUN
cblr-9983	270	15	of	of	ADP
cblr-9983	270	16	assets	asset	NOUN
cblr-9983	270	17	may	may	AUX
cblr-9983	270	18	be	be	AUX
cblr-9983	270	19	difficult	difficult	ADJ
cblr-9983	270	20	to	to	PART
cblr-9983	270	21	discern	discern	VERB
cblr-9983	270	22	accurately	accurately	ADV
cblr-9983	270	23	,	,	PUNCT
cblr-9983	270	24	even	even	ADV
cblr-9983	270	25	when	when	SCONJ
cblr-9983	270	26	the	the	DET
cblr-9983	270	27	basic	basic	ADJ
cblr-9983	270	28	classification	classification	NOUN
cblr-9983	270	29	of	of	ADP
cblr-9983	270	30	an	an	DET
cblr-9983	270	31	asset	asset	NOUN
cblr-9983	270	32	is	be	AUX
cblr-9983	270	33	known.38	known.38	VERB
cblr-9983	270	34	the	the	DET
cblr-9983	270	35	relative	relative	ADJ
cblr-9983	270	36	speed	speed	NOUN
cblr-9983	270	37	with	with	ADP
cblr-9983	270	38	which	which	PRON
cblr-9983	270	39	a	a	DET
cblr-9983	270	40	bank	bank	NOUN
cblr-9983	270	41	’s	’s	PART
cblr-9983	270	42	principal	principal	ADJ
cblr-9983	270	43	productive	productive	ADJ
cblr-9983	270	44	input	input	NOUN
cblr-9983	270	45	—	—	PUNCT
cblr-9983	270	46	money	money	NOUN
cblr-9983	270	47	—	—	PUNCT
cblr-9983	270	48	can	can	AUX
cblr-9983	270	49	be	be	AUX
cblr-9983	270	50	redeployed	redeploy	VERB
cblr-9983	270	51	to	to	ADP
cblr-9983	270	52	other	other	ADJ
cblr-9983	270	53	“	"	PUNCT
cblr-9983	270	54	products	product	NOUN
cblr-9983	270	55	”	"	PUNCT
cblr-9983	270	56	(	(	PUNCT
cblr-9983	270	57	i.e.	i.e.	X
cblr-9983	270	58	,	,	PUNCT
cblr-9983	270	59	other	other	ADJ
cblr-9983	270	60	kinds	kind	NOUN
cblr-9983	270	61	of	of	ADP
cblr-9983	270	62	lending	lending	NOUN
cblr-9983	270	63	or	or	CCONJ
cblr-9983	270	64	investment	investment	NOUN
cblr-9983	270	65	)	)	PUNCT
cblr-9983	270	66	distinguishes	distinguish	VERB
cblr-9983	270	67	banks	bank	NOUN
cblr-9983	270	68	from	from	ADP
cblr-9983	270	69	most	most	ADJ
cblr-9983	270	70	other	other	ADJ
cblr-9983	270	71	commercial	commercial	ADJ
cblr-9983	270	72	activities	activity	NOUN
cblr-9983	270	73	,	,	PUNCT
cblr-9983	270	74	in	in	ADP
cblr-9983	270	75	which	which	PRON
cblr-9983	270	76	the	the	DET
cblr-9983	270	77	introduction	introduction	NOUN
cblr-9983	270	78	of	of	ADP
cblr-9983	270	79	new	new	ADJ
cblr-9983	270	80	products	product	NOUN
cblr-9983	270	81	carrying	carry	VERB
cblr-9983	270	82	a	a	DET
cblr-9983	270	83	different	different	ADJ
cblr-9983	270	84	risk	risk	NOUN
cblr-9983	270	85	/	/	SYM
cblr-9983	270	86	reward	reward	NOUN
cblr-9983	270	87	calculus	calculus	NOUN
cblr-9983	270	88	is	be	AUX
cblr-9983	270	89	usually	usually	ADV
cblr-9983	270	90	both	both	CCONJ
cblr-9983	270	91	slower	slow	ADV
cblr-9983	270	92	-	-	PUNCT
cblr-9983	270	93	moving	move	VERB
cblr-9983	270	94	and	and	CCONJ
cblr-9983	270	95	more	more	ADV
cblr-9983	270	96	transparent	transparent	ADJ
cblr-9983	270	97	.	.	PUNCT
cblr-9983	271	1	the	the	DET
cblr-9983	271	2	risks	risk	NOUN
cblr-9983	271	3	associated	associate	VERB
cblr-9983	271	4	with	with	ADP
cblr-9983	271	5	loans	loan	NOUN
cblr-9983	271	6	carrying	carry	VERB
cblr-9983	271	7	the	the	DET
cblr-9983	271	8	same	same	ADJ
cblr-9983	271	9	terms	term	NOUN
cblr-9983	271	10	and	and	CCONJ
cblr-9983	271	11	with	with	ADP
cblr-9983	271	12	very	very	ADV
cblr-9983	271	13	similar	similar	ADJ
cblr-9983	271	14	borrower	borrower	NOUN
cblr-9983	271	15	profiles	profile	NOUN
cblr-9983	271	16	may	may	AUX
cblr-9983	271	17	vary	vary	VERB
cblr-9983	271	18	materially	materially	ADV
cblr-9983	271	19	among	among	ADP
cblr-9983	271	20	banks	bank	NOUN
cblr-9983	271	21	,	,	PUNCT
cblr-9983	271	22	depending	depend	VERB
cblr-9983	271	23	on	on	ADP
cblr-9983	271	24	the	the	DET
cblr-9983	271	25	34	34	NUM
cblr-9983	271	26	see	see	NOUN
cblr-9983	271	27	armour	armour	NOUN
cblr-9983	271	28	et	et	PROPN
cblr-9983	271	29	al	al	PROPN
cblr-9983	271	30	.	.	PROPN
cblr-9983	271	31	,	,	PUNCT
cblr-9983	271	32	supra	supra	PROPN
cblr-9983	271	33	note	note	PROPN
cblr-9983	271	34	27	27	NUM
cblr-9983	271	35	,	,	PUNCT
cblr-9983	271	36	at	at	ADP
cblr-9983	271	37	57–59	57–59	NUM
cblr-9983	271	38	.	.	PUNCT
cblr-9983	272	1	35	35	NUM
cblr-9983	273	1	i	i	PRON
cblr-9983	273	2	d.	d.	NOUN
cblr-9983	273	3	36	36	NUM
cblr-9983	273	4	fin	fin	NOUN
cblr-9983	273	5	.	.	PUNCT
cblr-9983	274	1	stability	stability	PROPN
cblr-9983	274	2	bd	bd	PROPN
cblr-9983	274	3	.	.	PROPN
cblr-9983	274	4	,	,	PUNCT
cblr-9983	274	5	evaluation	evaluation	NOUN
cblr-9983	274	6	of	of	ADP
cblr-9983	274	7	the	the	DET
cblr-9983	274	8	effects	effect	NOUN
cblr-9983	274	9	of	of	ADP
cblr-9983	274	10	too	too	ADV
cblr-9983	274	11	-	-	PUNCT
cblr-9983	274	12	big	big	ADJ
cblr-9983	274	13	-	-	PUNCT
cblr-9983	274	14	to	to	ADP
cblr-9983	274	15	-	-	PUNCT
cblr-9983	274	16	fail	fail	VERB
cblr-9983	274	17	reforms	reform	NOUN
cblr-9983	274	18	12	12	NUM
cblr-9983	274	19	(	(	PUNCT
cblr-9983	274	20	2020	2020	NUM
cblr-9983	274	21	)	)	PUNCT
cblr-9983	274	22	,	,	PUNCT
cblr-9983	274	23	https://www.fsb.org/wp-content/uploads/p280620-1.pdf	https://www.fsb.org/wp-content/uploads/p280620-1.pdf	PROPN
cblr-9983	274	24	[	[	X
cblr-9983	274	25	https://perma.cc/vw73-42w4	https://perma.cc/vw73-42w4	PROPN
cblr-9983	274	26	]	]	PUNCT
cblr-9983	274	27	.	.	PUNCT
cblr-9983	275	1	37	37	NUM
cblr-9983	275	2	naoaki	naoaki	PROPN
cblr-9983	275	3	minamihashi	minamihashi	NOUN
cblr-9983	275	4	,	,	PUNCT
cblr-9983	275	5	credit	credit	NOUN
cblr-9983	275	6	crunch	crunch	NOUN
cblr-9983	275	7	caused	cause	VERB
cblr-9983	275	8	by	by	ADP
cblr-9983	275	9	bank	bank	NOUN
cblr-9983	275	10	failures	failure	NOUN
cblr-9983	275	11	and	and	CCONJ
cblr-9983	275	12	self	self	NOUN
cblr-9983	275	13	-	-	PUNCT
cblr-9983	275	14	selection	selection	NOUN
cblr-9983	275	15	behavior	behavior	NOUN
cblr-9983	275	16	in	in	ADP
cblr-9983	275	17	lending	lending	NOUN
cblr-9983	275	18	markets	market	NOUN
cblr-9983	275	19	,	,	PUNCT
cblr-9983	275	20	43	43	NUM
cblr-9983	275	21	j.	j.	PROPN
cblr-9983	275	22	money	money	PROPN
cblr-9983	275	23	,	,	PUNCT
cblr-9983	275	24	credit	credit	NOUN
cblr-9983	275	25	&	&	CCONJ
cblr-9983	275	26	banking	banking	NOUN
cblr-9983	275	27	133	133	NUM
cblr-9983	275	28	,	,	PUNCT
cblr-9983	275	29	134	134	NUM
cblr-9983	275	30	(	(	PUNCT
cblr-9983	275	31	2011	2011	NUM
cblr-9983	275	32	)	)	PUNCT
cblr-9983	275	33	.	.	PUNCT
cblr-9983	276	1	38	38	NUM
cblr-9983	276	2	for	for	ADP
cblr-9983	276	3	an	an	DET
cblr-9983	276	4	example	example	NOUN
cblr-9983	276	5	of	of	ADP
cblr-9983	276	6	one	one	NUM
cblr-9983	276	7	such	such	ADJ
cblr-9983	276	8	accounting	accounting	NOUN
cblr-9983	276	9	trick	trick	NOUN
cblr-9983	276	10	banks	bank	NOUN
cblr-9983	276	11	may	may	AUX
cblr-9983	276	12	use	use	VERB
cblr-9983	276	13	,	,	PUNCT
cblr-9983	276	14	see	see	VERB
cblr-9983	276	15	morgan	morgan	PROPN
cblr-9983	276	16	housel	housel	PROPN
cblr-9983	276	17	,	,	PUNCT
cblr-9983	276	18	the	the	DET
cblr-9983	276	19	blatant	blatant	ADJ
cblr-9983	276	20	opacity	opacity	NOUN
cblr-9983	276	21	of	of	ADP
cblr-9983	276	22	banks	bank	NOUN
cblr-9983	276	23	’	'	PUNCT
cblr-9983	276	24	balance	balance	NOUN
cblr-9983	276	25	sheets	sheet	NOUN
cblr-9983	276	26	,	,	PUNCT
cblr-9983	276	27	the	the	DET
cblr-9983	276	28	motley	motley	ADJ
cblr-9983	276	29	fool	fool	NOUN
cblr-9983	276	30	(	(	PUNCT
cblr-9983	276	31	apr	apr	NOUN
cblr-9983	276	32	.	.	PROPN
cblr-9983	276	33	6	6	NUM
cblr-9983	276	34	,	,	PUNCT
cblr-9983	276	35	2017	2017	NUM
cblr-9983	276	36	,	,	PUNCT
cblr-9983	276	37	1:14	1:14	NUM
cblr-9983	276	38	am	am	NOUN
cblr-9983	276	39	)	)	PUNCT
cblr-9983	276	40	,	,	PUNCT
cblr-9983	276	41	https://www.fool.com/investing/general/2009/08/19/the-blatant-opacity-ofbanks-balance-sheets.aspx	https://www.fool.com/investing/general/2009/08/19/the-blatant-opacity-ofbanks-balance-sheets.aspx	X
cblr-9983	276	42	[	[	X
cblr-9983	276	43	https://perma.cc/y343-hkyp	https://perma.cc/y343-hkyp	X
cblr-9983	276	44	]	]	PUNCT
cblr-9983	276	45	.	.	PUNCT
cblr-9983	277	1	294	294	NUM
cblr-9983	277	2	columbia	columbia	PROPN
cblr-9983	277	3	business	business	NOUN
cblr-9983	277	4	law	law	PROPN
cblr-9983	277	5	review	review	NOUN
cblr-9983	277	6	[	[	X
cblr-9983	277	7	vol	vol	NOUN
cblr-9983	277	8	.	.	PUNCT
cblr-9983	277	9	2022	2022	NUM
cblr-9983	277	10	composition	composition	NOUN
cblr-9983	277	11	of	of	ADP
cblr-9983	277	12	the	the	DET
cblr-9983	277	13	rest	rest	NOUN
cblr-9983	277	14	of	of	ADP
cblr-9983	277	15	their	their	PRON
cblr-9983	277	16	portfolios.39	portfolios.39	NOUN
cblr-9983	277	17	these	these	DET
cblr-9983	277	18	characteristics	characteristic	NOUN
cblr-9983	277	19	of	of	ADP
cblr-9983	277	20	banking	banking	NOUN
cblr-9983	277	21	together	together	ADV
cblr-9983	277	22	mean	mean	VERB
cblr-9983	277	23	that	that	SCONJ
cblr-9983	277	24	external	external	ADJ
cblr-9983	277	25	recognition	recognition	NOUN
cblr-9983	277	26	of	of	ADP
cblr-9983	277	27	a	a	DET
cblr-9983	277	28	bank	bank	NOUN
cblr-9983	277	29	’s	’s	PART
cblr-9983	277	30	deterioration	deterioration	NOUN
cblr-9983	277	31	by	by	ADP
cblr-9983	277	32	depositors	depositor	NOUN
cblr-9983	277	33	,	,	PUNCT
cblr-9983	277	34	investors	investor	NOUN
cblr-9983	277	35	,	,	PUNCT
cblr-9983	277	36	and	and	CCONJ
cblr-9983	277	37	others	other	NOUN
cblr-9983	277	38	may	may	AUX
cblr-9983	277	39	materially	materially	ADV
cblr-9983	277	40	lag	lag	VERB
cblr-9983	277	41	the	the	DET
cblr-9983	277	42	reality	reality	NOUN
cblr-9983	277	43	.	.	PUNCT
cblr-9983	278	1	finally	finally	ADV
cblr-9983	278	2	,	,	PUNCT
cblr-9983	278	3	because	because	SCONJ
cblr-9983	278	4	banks	bank	NOUN
cblr-9983	278	5	rely	rely	VERB
cblr-9983	278	6	significantly	significantly	ADV
cblr-9983	278	7	on	on	ADP
cblr-9983	278	8	uninsured	uninsured	ADJ
cblr-9983	278	9	deposits	deposit	NOUN
cblr-9983	278	10	and	and	CCONJ
cblr-9983	278	11	other	other	ADJ
cblr-9983	278	12	forms	form	NOUN
cblr-9983	278	13	of	of	ADP
cblr-9983	278	14	short	short	ADJ
cblr-9983	278	15	-	-	PUNCT
cblr-9983	278	16	term	term	NOUN
cblr-9983	278	17	funding	funding	NOUN
cblr-9983	278	18	,	,	PUNCT
cblr-9983	278	19	this	this	DET
cblr-9983	278	20	opacity	opacity	NOUN
cblr-9983	278	21	also	also	ADV
cblr-9983	278	22	makes	make	VERB
cblr-9983	278	23	them	they	PRON
cblr-9983	278	24	susceptible	susceptible	ADJ
cblr-9983	278	25	to	to	ADP
cblr-9983	278	26	funding	funding	NOUN
cblr-9983	278	27	runs	run	NOUN
cblr-9983	278	28	.	.	PUNCT
cblr-9983	279	1	depositors	depositor	NOUN
cblr-9983	279	2	and	and	CCONJ
cblr-9983	279	3	other	other	ADJ
cblr-9983	279	4	counterparties	counterpartie	NOUN
cblr-9983	279	5	are	be	AUX
cblr-9983	279	6	aware	aware	ADJ
cblr-9983	279	7	that	that	SCONJ
cblr-9983	279	8	they	they	PRON
cblr-9983	279	9	may	may	AUX
cblr-9983	279	10	have	have	VERB
cblr-9983	279	11	insufficient	insufficient	ADJ
cblr-9983	279	12	information	information	NOUN
cblr-9983	279	13	to	to	PART
cblr-9983	279	14	evaluate	evaluate	VERB
cblr-9983	279	15	a	a	DET
cblr-9983	279	16	bank	bank	NOUN
cblr-9983	279	17	’s	’s	PART
cblr-9983	279	18	solvency	solvency	NOUN
cblr-9983	279	19	and	and	CCONJ
cblr-9983	279	20	may	may	AUX
cblr-9983	279	21	rationally	rationally	ADV
cblr-9983	279	22	withdraw	withdraw	VERB
cblr-9983	279	23	funding	funding	NOUN
cblr-9983	279	24	at	at	ADP
cblr-9983	279	25	a	a	DET
cblr-9983	279	26	hint	hint	NOUN
cblr-9983	279	27	of	of	ADP
cblr-9983	279	28	trouble.40	trouble.40	ADP
cblr-9983	279	29	the	the	DET
cblr-9983	279	30	resulting	result	VERB
cblr-9983	279	31	contraction	contraction	NOUN
cblr-9983	279	32	of	of	ADP
cblr-9983	279	33	liquidity	liquidity	NOUN
cblr-9983	279	34	can	can	AUX
cblr-9983	279	35	cripple	cripple	VERB
cblr-9983	279	36	credit	credit	NOUN
cblr-9983	279	37	intermediaries	intermediary	NOUN
cblr-9983	279	38	and	and	CCONJ
cblr-9983	279	39	,	,	PUNCT
cblr-9983	279	40	consequently	consequently	ADV
cblr-9983	279	41	,	,	PUNCT
cblr-9983	279	42	the	the	DET
cblr-9983	279	43	entire	entire	ADJ
cblr-9983	279	44	economy	economy	NOUN
cblr-9983	279	45	.	.	PUNCT
cblr-9983	280	1	different	different	ADJ
cblr-9983	280	2	types	type	NOUN
cblr-9983	280	3	of	of	ADP
cblr-9983	280	4	regulatory	regulatory	ADJ
cblr-9983	280	5	measures	measure	NOUN
cblr-9983	280	6	are	be	AUX
cblr-9983	280	7	used	use	VERB
cblr-9983	280	8	to	to	PART
cblr-9983	280	9	contain	contain	VERB
cblr-9983	280	10	moral	moral	ADJ
cblr-9983	280	11	hazard	hazard	NOUN
cblr-9983	280	12	and	and	CCONJ
cblr-9983	280	13	reduce	reduce	VERB
cblr-9983	280	14	the	the	DET
cblr-9983	280	15	risk	risk	NOUN
cblr-9983	280	16	of	of	ADP
cblr-9983	280	17	significant	significant	ADJ
cblr-9983	280	18	negative	negative	ADJ
cblr-9983	280	19	externalities.41	externalities.41	NOUN
cblr-9983	280	20	activities	activity	NOUN
cblr-9983	280	21	restrictions	restriction	NOUN
cblr-9983	280	22	are	be	AUX
cblr-9983	280	23	intended	intend	VERB
cblr-9983	280	24	either	either	ADV
cblr-9983	280	25	to	to	PART
cblr-9983	280	26	keep	keep	VERB
cblr-9983	280	27	insured	insured	ADJ
cblr-9983	280	28	depository	depository	NOUN
cblr-9983	280	29	institutions	institution	NOUN
cblr-9983	280	30	and	and	CCONJ
cblr-9983	280	31	their	their	PRON
cblr-9983	280	32	affiliates	affiliate	NOUN
cblr-9983	280	33	out	out	ADP
cblr-9983	280	34	of	of	ADP
cblr-9983	280	35	especially	especially	ADV
cblr-9983	280	36	risky	risky	ADJ
cblr-9983	280	37	areas	area	NOUN
cblr-9983	280	38	,	,	PUNCT
cblr-9983	280	39	to	to	PART
cblr-9983	280	40	constrain	constrain	VERB
cblr-9983	280	41	banks	bank	NOUN
cblr-9983	280	42	’	'	PUNCT
cblr-9983	280	43	use	use	NOUN
cblr-9983	280	44	of	of	ADP
cblr-9983	280	45	insured	insure	VERB
cblr-9983	280	46	deposits	deposit	NOUN
cblr-9983	280	47	to	to	PART
cblr-9983	280	48	compete	compete	VERB
cblr-9983	280	49	with	with	ADP
cblr-9983	280	50	businesses	business	NOUN
cblr-9983	280	51	lacking	lack	VERB
cblr-9983	280	52	access	access	NOUN
cblr-9983	280	53	to	to	ADP
cblr-9983	280	54	similarly	similarly	ADV
cblr-9983	280	55	subsidized	subsidize	VERB
cblr-9983	280	56	resources	resource	NOUN
cblr-9983	280	57	,	,	PUNCT
cblr-9983	280	58	or	or	CCONJ
cblr-9983	280	59	both	both	PRON
cblr-9983	280	60	.	.	PUNCT
cblr-9983	281	1	for	for	ADP
cblr-9983	281	2	similar	similar	ADJ
cblr-9983	281	3	reasons	reason	NOUN
cblr-9983	281	4	,	,	PUNCT
cblr-9983	281	5	where	where	SCONJ
cblr-9983	281	6	insured	insured	ADJ
cblr-9983	281	7	depository	depository	NOUN
cblr-9983	281	8	institutions	institution	NOUN
cblr-9983	281	9	are	be	AUX
cblr-9983	281	10	allowed	allow	VERB
cblr-9983	281	11	to	to	PART
cblr-9983	281	12	affiliate	affiliate	VERB
cblr-9983	281	13	with	with	ADP
cblr-9983	281	14	other	other	ADJ
cblr-9983	281	15	financial	financial	ADJ
cblr-9983	281	16	firms	firm	NOUN
cblr-9983	281	17	,	,	PUNCT
cblr-9983	281	18	such	such	ADJ
cblr-9983	281	19	as	as	ADP
cblr-9983	281	20	broker	broker	NOUN
cblr-9983	281	21	-	-	PUNCT
cblr-9983	281	22	dealers	dealer	NOUN
cblr-9983	281	23	,	,	PUNCT
cblr-9983	281	24	structural	structural	ADJ
cblr-9983	281	25	regulation	regulation	NOUN
cblr-9983	281	26	limits	limit	VERB
cblr-9983	281	27	transactions	transaction	NOUN
cblr-9983	281	28	between	between	ADP
cblr-9983	281	29	them	they	PRON
cblr-9983	281	30	.	.	PUNCT
cblr-9983	282	1	as	as	SCONJ
cblr-9983	282	2	activities	activity	NOUN
cblr-9983	282	3	and	and	CCONJ
cblr-9983	282	4	structural	structural	ADJ
cblr-9983	282	5	measures	measure	NOUN
cblr-9983	282	6	were	be	AUX
cblr-9983	282	7	relaxed	relax	VERB
cblr-9983	282	8	in	in	ADP
cblr-9983	282	9	the	the	DET
cblr-9983	282	10	three	three	NUM
cblr-9983	282	11	decades	decade	NOUN
cblr-9983	282	12	preceding	precede	VERB
cblr-9983	282	13	the	the	DET
cblr-9983	282	14	global	global	ADJ
cblr-9983	282	15	financial	financial	ADJ
cblr-9983	282	16	crisis	crisis	NOUN
cblr-9983	282	17	of	of	ADP
cblr-9983	282	18	2007	2007	NUM
cblr-9983	282	19	-	-	SYM
cblr-9983	282	20	2009	2009	NUM
cblr-9983	282	21	,	,	PUNCT
cblr-9983	282	22	prudential	prudential	ADJ
cblr-9983	282	23	regulation	regulation	NOUN
cblr-9983	282	24	has	have	AUX
cblr-9983	282	25	come	come	VERB
cblr-9983	282	26	to	to	PART
cblr-9983	282	27	rely	rely	VERB
cblr-9983	282	28	more	more	ADV
cblr-9983	282	29	on	on	ADP
cblr-9983	282	30	capital	capital	NOUN
cblr-9983	282	31	and	and	CCONJ
cblr-9983	282	32	liquidity	liquidity	NOUN
cblr-9983	282	33	regulation.42	regulation.42	NOUN
cblr-9983	282	34	capital	capital	NOUN
cblr-9983	282	35	provides	provide	VERB
cblr-9983	282	36	a	a	DET
cblr-9983	282	37	buffer	buffer	NOUN
cblr-9983	282	38	against	against	ADP
cblr-9983	282	39	losses	loss	NOUN
cblr-9983	282	40	arising	arise	VERB
cblr-9983	282	41	from	from	ADP
cblr-9983	282	42	all	all	DET
cblr-9983	282	43	assets	asset	NOUN
cblr-9983	282	44	and	and	CCONJ
cblr-9983	282	45	activities	activity	NOUN
cblr-9983	282	46	,	,	PUNCT
cblr-9983	282	47	regardless	regardless	ADV
cblr-9983	282	48	of	of	ADP
cblr-9983	282	49	whether	whether	SCONJ
cblr-9983	282	50	bankers	banker	NOUN
cblr-9983	282	51	and	and	CCONJ
cblr-9983	282	52	39	39	NUM
cblr-9983	282	53	for	for	ADP
cblr-9983	282	54	example	example	NOUN
cblr-9983	282	55	,	,	PUNCT
cblr-9983	282	56	other	other	ADJ
cblr-9983	282	57	things	thing	NOUN
cblr-9983	282	58	being	be	AUX
cblr-9983	282	59	equal	equal	ADJ
cblr-9983	282	60	,	,	PUNCT
cblr-9983	282	61	an	an	DET
cblr-9983	282	62	identical	identical	ADJ
cblr-9983	282	63	group	group	NOUN
cblr-9983	282	64	of	of	ADP
cblr-9983	282	65	one	one	NUM
cblr-9983	282	66	thousand	thousand	NUM
cblr-9983	282	67	consumer	consumer	NOUN
cblr-9983	282	68	auto	auto	NOUN
cblr-9983	282	69	loans	loan	NOUN
cblr-9983	282	70	will	will	AUX
cblr-9983	282	71	be	be	AUX
cblr-9983	282	72	less	less	ADV
cblr-9983	282	73	risky	risky	ADJ
cblr-9983	282	74	for	for	ADP
cblr-9983	282	75	a	a	DET
cblr-9983	282	76	bank	bank	NOUN
cblr-9983	282	77	with	with	ADP
cblr-9983	282	78	little	little	ADJ
cblr-9983	282	79	other	other	ADJ
cblr-9983	282	80	exposure	exposure	NOUN
cblr-9983	282	81	to	to	ADP
cblr-9983	282	82	asset	asset	NOUN
cblr-9983	282	83	classes	class	NOUN
cblr-9983	282	84	sensitive	sensitive	ADJ
cblr-9983	282	85	to	to	ADP
cblr-9983	282	86	increases	increase	NOUN
cblr-9983	282	87	in	in	ADP
cblr-9983	282	88	the	the	DET
cblr-9983	282	89	unemployment	unemployment	NOUN
cblr-9983	282	90	rate	rate	NOUN
cblr-9983	282	91	than	than	ADP
cblr-9983	282	92	for	for	ADP
cblr-9983	282	93	one	one	NUM
cblr-9983	282	94	already	already	ADV
cblr-9983	282	95	heavily	heavily	ADV
cblr-9983	282	96	concentrated	concentrated	ADJ
cblr-9983	282	97	in	in	ADP
cblr-9983	282	98	such	such	ADJ
cblr-9983	282	99	assets	asset	NOUN
cblr-9983	282	100	.	.	PUNCT
cblr-9983	283	1	40	40	NUM
cblr-9983	283	2	marco	marco	PROPN
cblr-9983	283	3	cipriani	cipriani	PROPN
cblr-9983	283	4	&	&	CCONJ
cblr-9983	283	5	gabriele	gabriele	PROPN
cblr-9983	283	6	la	la	PROPN
cblr-9983	283	7	spada	spada	PROPN
cblr-9983	283	8	,	,	PUNCT
cblr-9983	283	9	fed	fed	PROPN
cblr-9983	283	10	.	.	PUNCT
cblr-9983	283	11	rsrv	rsrv	PROPN
cblr-9983	283	12	.	.	PUNCT
cblr-9983	284	1	bank	bank	PROPN
cblr-9983	284	2	of	of	ADP
cblr-9983	284	3	n.y	n.y	PROPN
cblr-9983	284	4	.	.	PROPN
cblr-9983	284	5	staff	staff	PROPN
cblr-9983	284	6	rep	rep	PROPN
cblr-9983	284	7	.	.	PROPN
cblr-9983	285	1	no	no	INTJ
cblr-9983	285	2	.	.	NOUN
cblr-9983	285	3	956	956	NUM
cblr-9983	285	4	,	,	PUNCT
cblr-9983	285	5	sophisticated	sophisticated	ADJ
cblr-9983	285	6	and	and	CCONJ
cblr-9983	285	7	unsophisticated	unsophisticated	ADJ
cblr-9983	285	8	runs	run	NOUN
cblr-9983	285	9	4	4	NUM
cblr-9983	285	10	(	(	PUNCT
cblr-9983	285	11	2020	2020	NUM
cblr-9983	285	12	)	)	PUNCT
cblr-9983	286	1	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr9	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr9	NOUN
cblr-9983	287	1	56.pdf	56.pdf	PROPN
cblr-9983	287	2	[	[	X
cblr-9983	287	3	https://perma.cc/w96f-3lw8	https://perma.cc/w96f-3lw8	X
cblr-9983	287	4	]	]	X
cblr-9983	287	5	(	(	PUNCT
cblr-9983	287	6	discussing	discuss	VERB
cblr-9983	287	7	how	how	SCONJ
cblr-9983	287	8	sophisticated	sophisticated	ADJ
cblr-9983	287	9	investors	investor	NOUN
cblr-9983	287	10	tend	tend	VERB
cblr-9983	287	11	to	to	PART
cblr-9983	287	12	be	be	AUX
cblr-9983	287	13	the	the	DET
cblr-9983	287	14	ones	one	NOUN
cblr-9983	287	15	who	who	PRON
cblr-9983	287	16	run	run	VERB
cblr-9983	287	17	pre	pre	ADJ
cblr-9983	287	18	-	-	ADJ
cblr-9983	287	19	emptively	emptively	ADV
cblr-9983	287	20	)	)	PUNCT
cblr-9983	287	21	.	.	PUNCT
cblr-9983	288	1	41	41	NUM
cblr-9983	288	2	see	see	VERB
cblr-9983	288	3	barr	barr	PROPN
cblr-9983	288	4	et	et	PROPN
cblr-9983	288	5	al	al	PROPN
cblr-9983	288	6	.	.	PROPN
cblr-9983	288	7	,	,	PUNCT
cblr-9983	288	8	supra	supra	PROPN
cblr-9983	288	9	note	note	PROPN
cblr-9983	288	10	28	28	NUM
cblr-9983	288	11	,	,	PUNCT
cblr-9983	288	12	at	at	ADP
cblr-9983	288	13	194–248	194–248	NUM
cblr-9983	288	14	.	.	PUNCT
cblr-9983	289	1	42	42	NUM
cblr-9983	289	2	see	see	VERB
cblr-9983	289	3	daniel	daniel	PROPN
cblr-9983	289	4	k.	k.	PROPN
cblr-9983	289	5	tarullo	tarullo	PROPN
cblr-9983	289	6	,	,	PUNCT
cblr-9983	289	7	banking	banking	NOUN
cblr-9983	289	8	on	on	ADP
cblr-9983	289	9	basel	basel	PROPN
cblr-9983	289	10	:	:	PUNCT
cblr-9983	289	11	the	the	DET
cblr-9983	289	12	future	future	NOUN
cblr-9983	289	13	of	of	ADP
cblr-9983	289	14	international	international	ADJ
cblr-9983	289	15	financial	financial	ADJ
cblr-9983	289	16	regulation	regulation	NOUN
cblr-9983	289	17	33–35	33–35	NUM
cblr-9983	289	18	(	(	PUNCT
cblr-9983	289	19	2008	2008	NUM
cblr-9983	289	20	)	)	PUNCT
cblr-9983	289	21	.	.	PUNCT
cblr-9983	290	1	no	no	INTJ
cblr-9983	290	2	.	.	PUNCT
cblr-9983	291	1	1:279	1:279	NOUN
cblr-9983	291	2	]	]	X
cblr-9983	291	3	bank	bank	NOUN
cblr-9983	291	4	supervision	supervision	NOUN
cblr-9983	291	5	and	and	CCONJ
cblr-9983	291	6	administrative	administrative	ADJ
cblr-9983	291	7	law	law	NOUN
cblr-9983	291	8	295	295	NUM
cblr-9983	291	9	regulators	regulator	NOUN
cblr-9983	291	10	correctly	correctly	ADV
cblr-9983	291	11	anticipated	anticipate	VERB
cblr-9983	291	12	the	the	DET
cblr-9983	291	13	greatest	great	ADJ
cblr-9983	291	14	sources	source	NOUN
cblr-9983	291	15	of	of	ADP
cblr-9983	291	16	risk	risk	NOUN
cblr-9983	291	17	.	.	PUNCT
cblr-9983	292	1	because	because	SCONJ
cblr-9983	292	2	of	of	ADP
cblr-9983	292	3	moral	moral	ADJ
cblr-9983	292	4	hazard	hazard	NOUN
cblr-9983	292	5	considerations	consideration	NOUN
cblr-9983	292	6	and	and	CCONJ
cblr-9983	292	7	the	the	DET
cblr-9983	292	8	negative	negative	ADJ
cblr-9983	292	9	externalities	externality	NOUN
cblr-9983	292	10	associated	associate	VERB
cblr-9983	292	11	with	with	ADP
cblr-9983	292	12	a	a	DET
cblr-9983	292	13	large	large	ADJ
cblr-9983	292	14	incapacitated	incapacitated	ADJ
cblr-9983	292	15	bank	bank	NOUN
cblr-9983	292	16	,	,	PUNCT
cblr-9983	292	17	socially	socially	ADV
cblr-9983	292	18	optimal	optimal	ADJ
cblr-9983	292	19	capital	capital	NOUN
cblr-9983	292	20	levels	level	NOUN
cblr-9983	292	21	will	will	AUX
cblr-9983	292	22	generally	generally	ADV
cblr-9983	292	23	be	be	AUX
cblr-9983	292	24	higher	high	ADJ
cblr-9983	292	25	than	than	ADP
cblr-9983	292	26	levels	level	NOUN
cblr-9983	292	27	optimal	optimal	ADJ
cblr-9983	292	28	for	for	ADP
cblr-9983	292	29	the	the	DET
cblr-9983	292	30	bank	bank	NOUN
cblr-9983	292	31	’s	’s	PART
cblr-9983	292	32	shareholders	shareholder	NOUN
cblr-9983	292	33	.	.	PUNCT
cblr-9983	293	1	among	among	ADP
cblr-9983	293	2	the	the	DET
cblr-9983	293	3	clearest	clear	ADJ
cblr-9983	293	4	lessons	lesson	NOUN
cblr-9983	293	5	from	from	ADP
cblr-9983	293	6	the	the	DET
cblr-9983	293	7	crisis	crisis	NOUN
cblr-9983	293	8	was	be	AUX
cblr-9983	293	9	that	that	PRON
cblr-9983	293	10	prevailing	prevail	VERB
cblr-9983	293	11	capital	capital	NOUN
cblr-9983	293	12	requirements	requirement	NOUN
cblr-9983	293	13	had	have	AUX
cblr-9983	293	14	been	be	AUX
cblr-9983	293	15	woefully	woefully	ADV
cblr-9983	293	16	inadequate	inadequate	ADJ
cblr-9983	293	17	,	,	PUNCT
cblr-9983	293	18	both	both	CCONJ
cblr-9983	293	19	in	in	ADP
cblr-9983	293	20	conception	conception	NOUN
cblr-9983	293	21	and	and	CCONJ
cblr-9983	293	22	in	in	ADP
cblr-9983	293	23	enforcement.43	enforcement.43	ADJ
cblr-9983	293	24	liquidity	liquidity	NOUN
cblr-9983	293	25	regulation	regulation	NOUN
cblr-9983	293	26	,	,	PUNCT
cblr-9983	293	27	which	which	PRON
cblr-9983	293	28	is	be	AUX
cblr-9983	293	29	best	well	ADV
cblr-9983	293	30	understood	understand	VERB
cblr-9983	293	31	as	as	ADP
cblr-9983	293	32	complementing	complement	VERB
cblr-9983	293	33	capital	capital	NOUN
cblr-9983	293	34	regulation	regulation	NOUN
cblr-9983	293	35	,	,	PUNCT
cblr-9983	293	36	attempts	attempt	VERB
cblr-9983	293	37	to	to	PART
cblr-9983	293	38	moderate	moderate	VERB
cblr-9983	293	39	the	the	DET
cblr-9983	293	40	temptation	temptation	NOUN
cblr-9983	293	41	of	of	ADP
cblr-9983	293	42	banks	bank	NOUN
cblr-9983	293	43	to	to	PART
cblr-9983	293	44	rely	rely	VERB
cblr-9983	293	45	more	more	ADV
cblr-9983	293	46	and	and	CCONJ
cblr-9983	293	47	more	more	ADV
cblr-9983	293	48	on	on	ADP
cblr-9983	293	49	short	short	ADJ
cblr-9983	293	50	-	-	PUNCT
cblr-9983	293	51	term	term	NOUN
cblr-9983	293	52	funding	funding	NOUN
cblr-9983	293	53	,	,	PUNCT
cblr-9983	293	54	which	which	PRON
cblr-9983	293	55	is	be	AUX
cblr-9983	293	56	less	less	ADV
cblr-9983	293	57	expensive	expensive	ADJ
cblr-9983	293	58	in	in	ADP
cblr-9983	293	59	good	good	ADJ
cblr-9983	293	60	times	time	NOUN
cblr-9983	293	61	but	but	CCONJ
cblr-9983	293	62	always	always	ADV
cblr-9983	293	63	more	more	ADV
cblr-9983	293	64	susceptible	susceptible	ADJ
cblr-9983	293	65	to	to	ADP
cblr-9983	293	66	runs.44	runs.44	NOUN
cblr-9983	293	67	the	the	DET
cblr-9983	293	68	same	same	ADJ
cblr-9983	293	69	opacity	opacity	NOUN
cblr-9983	293	70	of	of	ADP
cblr-9983	293	71	bank	bank	NOUN
cblr-9983	293	72	balance	balance	NOUN
cblr-9983	293	73	sheets	sheet	NOUN
cblr-9983	293	74	and	and	CCONJ
cblr-9983	293	75	the	the	DET
cblr-9983	293	76	same	same	ADJ
cblr-9983	293	77	potential	potential	NOUN
cblr-9983	293	78	for	for	ADP
cblr-9983	293	79	fast	fast	ADV
cblr-9983	293	80	-	-	PUNCT
cblr-9983	293	81	moving	move	VERB
cblr-9983	293	82	changes	change	NOUN
cblr-9983	293	83	in	in	ADP
cblr-9983	293	84	funding	funding	NOUN
cblr-9983	293	85	,	,	PUNCT
cblr-9983	293	86	lending	lending	NOUN
cblr-9983	293	87	,	,	PUNCT
cblr-9983	293	88	and	and	CCONJ
cblr-9983	293	89	investing	invest	VERB
cblr-9983	293	90	that	that	PRON
cblr-9983	293	91	motivate	motivate	VERB
cblr-9983	293	92	much	much	ADJ
cblr-9983	293	93	of	of	ADP
cblr-9983	293	94	bank	bank	NOUN
cblr-9983	293	95	regulation	regulation	NOUN
cblr-9983	293	96	suggest	suggest	VERB
cblr-9983	293	97	that	that	SCONJ
cblr-9983	293	98	exclusive	exclusive	ADJ
cblr-9983	293	99	reliance	reliance	NOUN
cblr-9983	293	100	on	on	ADP
cblr-9983	293	101	regulatory	regulatory	ADJ
cblr-9983	293	102	rules	rule	NOUN
cblr-9983	293	103	will	will	AUX
cblr-9983	293	104	not	not	PART
cblr-9983	293	105	be	be	AUX
cblr-9983	293	106	the	the	DET
cblr-9983	293	107	most	most	ADV
cblr-9983	293	108	effective	effective	ADJ
cblr-9983	293	109	or	or	CCONJ
cblr-9983	293	110	efficient	efficient	ADJ
cblr-9983	293	111	means	mean	NOUN
cblr-9983	293	112	to	to	PART
cblr-9983	293	113	achieve	achieve	VERB
cblr-9983	293	114	prudential	prudential	ADJ
cblr-9983	293	115	goals	goal	NOUN
cblr-9983	293	116	.	.	PUNCT
cblr-9983	294	1	contemporary	contemporary	ADJ
cblr-9983	294	2	banking	banking	NOUN
cblr-9983	294	3	supervision	supervision	NOUN
cblr-9983	294	4	serves	serve	VERB
cblr-9983	294	5	five	five	NUM
cblr-9983	294	6	functions	function	NOUN
cblr-9983	294	7	that	that	PRON
cblr-9983	294	8	augment	augment	VERB
cblr-9983	294	9	and	and	CCONJ
cblr-9983	294	10	complement	complement	VERB
cblr-9983	294	11	regulatory	regulatory	ADJ
cblr-9983	294	12	rules	rule	NOUN
cblr-9983	294	13	.	.	PUNCT
cblr-9983	295	1	first	first	ADV
cblr-9983	295	2	,	,	PUNCT
cblr-9983	295	3	regular	regular	ADJ
cblr-9983	295	4	examinations	examination	NOUN
cblr-9983	295	5	and	and	CCONJ
cblr-9983	295	6	ad	ad	X
cblr-9983	295	7	hoc	hoc	X
cblr-9983	295	8	inquiries	inquiry	NOUN
cblr-9983	295	9	facilitate	facilitate	VERB
cblr-9983	295	10	the	the	DET
cblr-9983	295	11	enforcement	enforcement	NOUN
cblr-9983	295	12	of	of	ADP
cblr-9983	295	13	regulatory	regulatory	ADJ
cblr-9983	295	14	rules	rule	NOUN
cblr-9983	295	15	.	.	PUNCT
cblr-9983	296	1	the	the	DET
cblr-9983	296	2	opaqueness	opaqueness	NOUN
cblr-9983	296	3	of	of	ADP
cblr-9983	296	4	bank	bank	NOUN
cblr-9983	296	5	balance	balance	NOUN
cblr-9983	296	6	sheets	sheet	NOUN
cblr-9983	296	7	means	mean	VERB
cblr-9983	296	8	that	that	SCONJ
cblr-9983	296	9	external	external	ADJ
cblr-9983	296	10	monitoring	monitoring	NOUN
cblr-9983	296	11	alone	alone	ADV
cblr-9983	296	12	may	may	AUX
cblr-9983	296	13	not	not	PART
cblr-9983	296	14	identify	identify	VERB
cblr-9983	296	15	certain	certain	ADJ
cblr-9983	296	16	compliance	compliance	NOUN
cblr-9983	296	17	problems	problem	NOUN
cblr-9983	296	18	,	,	PUNCT
cblr-9983	296	19	such	such	ADJ
cblr-9983	296	20	as	as	ADP
cblr-9983	296	21	a	a	DET
cblr-9983	296	22	decline	decline	NOUN
cblr-9983	296	23	in	in	ADP
cblr-9983	296	24	borrowers	borrower	NOUN
cblr-9983	296	25	’	'	PUNCT
cblr-9983	296	26	ability	ability	NOUN
cblr-9983	296	27	to	to	PART
cblr-9983	296	28	repay	repay	VERB
cblr-9983	296	29	.	.	PUNCT
cblr-9983	297	1	second	second	ADJ
cblr-9983	297	2	,	,	PUNCT
cblr-9983	297	3	supervisors	supervisor	NOUN
cblr-9983	297	4	can	can	AUX
cblr-9983	297	5	provide	provide	VERB
cblr-9983	297	6	bank	bank	NOUN
cblr-9983	297	7	boards	board	NOUN
cblr-9983	297	8	and	and	CCONJ
cblr-9983	297	9	senior	senior	ADJ
cblr-9983	297	10	management	management	NOUN
cblr-9983	297	11	an	an	DET
cblr-9983	297	12	informed	informed	ADJ
cblr-9983	297	13	,	,	PUNCT
cblr-9983	297	14	independent	independent	ADJ
cblr-9983	297	15	assessment	assessment	NOUN
cblr-9983	297	16	of	of	ADP
cblr-9983	297	17	their	their	PRON
cblr-9983	297	18	own	own	ADJ
cblr-9983	297	19	banks	bank	NOUN
cblr-9983	297	20	’	'	PUNCT
cblr-9983	297	21	practices	practice	NOUN
cblr-9983	297	22	.	.	PUNCT
cblr-9983	298	1	they	they	PRON
cblr-9983	298	2	can	can	AUX
cblr-9983	298	3	also	also	ADV
cblr-9983	298	4	help	help	VERB
cblr-9983	298	5	disseminate	disseminate	VERB
cblr-9983	298	6	best	good	ADJ
cblr-9983	298	7	practices	practice	NOUN
cblr-9983	298	8	in	in	ADP
cblr-9983	298	9	risk	risk	NOUN
cblr-9983	298	10	management	management	NOUN
cblr-9983	298	11	and	and	CCONJ
cblr-9983	298	12	related	related	ADJ
cblr-9983	298	13	areas	area	NOUN
cblr-9983	298	14	without	without	ADP
cblr-9983	298	15	compromising	compromise	VERB
cblr-9983	298	16	the	the	DET
cblr-9983	298	17	proprietary	proprietary	ADJ
cblr-9983	298	18	information	information	NOUN
cblr-9983	298	19	that	that	PRON
cblr-9983	298	20	may	may	AUX
cblr-9983	298	21	be	be	AUX
cblr-9983	298	22	associated	associate	VERB
cblr-9983	298	23	with	with	ADP
cblr-9983	298	24	the	the	DET
cblr-9983	298	25	bank(s	bank(s	NOUN
cblr-9983	298	26	)	)	PUNCT
cblr-9983	298	27	that	that	PRON
cblr-9983	298	28	pioneered	pioneer	VERB
cblr-9983	298	29	these	these	DET
cblr-9983	298	30	practices	practice	NOUN
cblr-9983	298	31	.	.	PUNCT
cblr-9983	299	1	43	43	NUM
cblr-9983	299	2	basel	basel	PROPN
cblr-9983	299	3	committee	committee	PROPN
cblr-9983	299	4	on	on	ADP
cblr-9983	299	5	banking	banking	NOUN
cblr-9983	299	6	supervision	supervision	NOUN
cblr-9983	299	7	,	,	PUNCT
cblr-9983	299	8	basel	basel	PROPN
cblr-9983	299	9	iii	iii	PROPN
cblr-9983	299	10	:	:	PUNCT
cblr-9983	299	11	a	a	DET
cblr-9983	299	12	global	global	ADJ
cblr-9983	299	13	regulatory	regulatory	ADJ
cblr-9983	299	14	framework	framework	NOUN
cblr-9983	299	15	for	for	ADP
cblr-9983	299	16	more	more	ADV
cblr-9983	299	17	resilient	resilient	ADJ
cblr-9983	299	18	banks	bank	NOUN
cblr-9983	299	19	and	and	CCONJ
cblr-9983	299	20	banking	banking	NOUN
cblr-9983	299	21	systems	system	NOUN
cblr-9983	299	22	2–4	2–4	PROPN
cblr-9983	299	23	(	(	PUNCT
cblr-9983	299	24	2011	2011	NUM
cblr-9983	299	25	)	)	PUNCT
cblr-9983	299	26	.	.	PUNCT
cblr-9983	300	1	44	44	NUM
cblr-9983	300	2	for	for	ADP
cblr-9983	300	3	more	more	ADJ
cblr-9983	300	4	on	on	ADP
cblr-9983	300	5	the	the	DET
cblr-9983	300	6	risks	risk	NOUN
cblr-9983	300	7	in	in	ADP
cblr-9983	300	8	short	short	ADJ
cblr-9983	300	9	-	-	PUNCT
cblr-9983	300	10	term	term	NOUN
cblr-9983	300	11	runs	run	NOUN
cblr-9983	300	12	,	,	PUNCT
cblr-9983	300	13	see	see	VERB
cblr-9983	300	14	antoine	antoine	PROPN
cblr-9983	300	15	martin	martin	PROPN
cblr-9983	300	16	,	,	PUNCT
cblr-9983	300	17	david	david	PROPN
cblr-9983	300	18	skeie	skeie	PROPN
cblr-9983	300	19	,	,	PUNCT
cblr-9983	300	20	&	&	CCONJ
cblr-9983	300	21	ernst	ernst	PROPN
cblr-9983	300	22	-	-	PUNCT
cblr-9983	300	23	ludwig	ludwig	PROPN
cblr-9983	300	24	von	von	PROPN
cblr-9983	300	25	thadden	thadden	PROPN
cblr-9983	300	26	,	,	PUNCT
cblr-9983	300	27	fed	fed	PROPN
cblr-9983	300	28	.	.	PUNCT
cblr-9983	300	29	rsrv	rsrv	PROPN
cblr-9983	300	30	.	.	PUNCT
cblr-9983	301	1	bank	bank	PROPN
cblr-9983	301	2	of	of	ADP
cblr-9983	301	3	n.y	n.y	PROPN
cblr-9983	301	4	.	.	PROPN
cblr-9983	301	5	staff	staff	PROPN
cblr-9983	301	6	report	report	VERB
cblr-9983	301	7	no	no	INTJ
cblr-9983	301	8	.	.	NOUN
cblr-9983	301	9	444	444	NUM
cblr-9983	301	10	,	,	PUNCT
cblr-9983	301	11	repo	repo	ADP
cblr-9983	301	12	runs	run	NOUN
cblr-9983	301	13	(	(	PUNCT
cblr-9983	301	14	2010	2010	NUM
cblr-9983	301	15	)	)	PUNCT
cblr-9983	301	16	,	,	PUNCT
cblr-9983	301	17	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr4	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr4	CCONJ
cblr-9983	301	18	44.pdf	44.pdf	PROPN
cblr-9983	302	1	[	[	X
cblr-9983	302	2	https://perma.cc/4jql-p9zk	https://perma.cc/4jql-p9zk	X
cblr-9983	302	3	]	]	X
cblr-9983	302	4	.	.	PUNCT
cblr-9983	303	1	296	296	NUM
cblr-9983	303	2	columbia	columbia	PROPN
cblr-9983	303	3	business	business	NOUN
cblr-9983	303	4	law	law	NOUN
cblr-9983	303	5	review	review	NOUN
cblr-9983	303	6	[	[	X
cblr-9983	303	7	vol	vol	NOUN
cblr-9983	303	8	.	.	PUNCT
cblr-9983	303	9	2022	2022	NUM
cblr-9983	303	10	third	third	ADJ
cblr-9983	303	11	,	,	PUNCT
cblr-9983	303	12	supervisors	supervisor	NOUN
cblr-9983	303	13	stop	stop	VERB
cblr-9983	303	14	banks	bank	NOUN
cblr-9983	303	15	from	from	ADP
cblr-9983	303	16	arbitraging	arbitrage	VERB
cblr-9983	303	17	regulatory	regulatory	ADJ
cblr-9983	303	18	rules	rule	NOUN
cblr-9983	303	19	.	.	PUNCT
cblr-9983	304	1	regulatory	regulatory	ADJ
cblr-9983	304	2	arbitrage	arbitrage	NOUN
cblr-9983	304	3	of	of	ADP
cblr-9983	304	4	categories	category	NOUN
cblr-9983	304	5	established	establish	VERB
cblr-9983	304	6	in	in	ADP
cblr-9983	304	7	quantitative	quantitative	ADJ
cblr-9983	304	8	capital	capital	NOUN
cblr-9983	304	9	,	,	PUNCT
cblr-9983	304	10	liquidity	liquidity	NOUN
cblr-9983	304	11	,	,	PUNCT
cblr-9983	304	12	and	and	CCONJ
cblr-9983	304	13	other	other	ADJ
cblr-9983	304	14	rules	rule	NOUN
cblr-9983	304	15	is	be	AUX
cblr-9983	304	16	a	a	DET
cblr-9983	304	17	continuing	continue	VERB
cblr-9983	304	18	enterprise	enterprise	NOUN
cblr-9983	304	19	by	by	ADP
cblr-9983	304	20	banks	bank	NOUN
cblr-9983	304	21	,	,	PUNCT
cblr-9983	304	22	their	their	PRON
cblr-9983	304	23	consultants	consultant	NOUN
cblr-9983	304	24	,	,	PUNCT
cblr-9983	304	25	and	and	CCONJ
cblr-9983	304	26	their	their	PRON
cblr-9983	304	27	lawyers	lawyer	NOUN
cblr-9983	304	28	.	.	PUNCT
cblr-9983	305	1	supervisory	supervisory	ADJ
cblr-9983	305	2	oversight	oversight	NOUN
cblr-9983	305	3	can	can	AUX
cblr-9983	305	4	detect	detect	VERB
cblr-9983	305	5	when	when	SCONJ
cblr-9983	305	6	banks	bank	NOUN
cblr-9983	305	7	have	have	AUX
cblr-9983	305	8	changed	change	VERB
cblr-9983	305	9	the	the	DET
cblr-9983	305	10	composition	composition	NOUN
cblr-9983	305	11	of	of	ADP
cblr-9983	305	12	their	their	PRON
cblr-9983	305	13	assets	asset	NOUN
cblr-9983	305	14	and	and	CCONJ
cblr-9983	305	15	liabilities	liability	NOUN
cblr-9983	305	16	so	so	SCONJ
cblr-9983	305	17	as	as	SCONJ
cblr-9983	305	18	to	to	PART
cblr-9983	305	19	obtain	obtain	VERB
cblr-9983	305	20	more	more	ADV
cblr-9983	305	21	favorable	favorable	ADJ
cblr-9983	305	22	regulatory	regulatory	ADJ
cblr-9983	305	23	treatment	treatment	NOUN
cblr-9983	305	24	without	without	ADP
cblr-9983	305	25	any	any	DET
cblr-9983	305	26	reduction	reduction	NOUN
cblr-9983	305	27	in	in	ADP
cblr-9983	305	28	actual	actual	ADJ
cblr-9983	305	29	risk	risk	NOUN
cblr-9983	305	30	to	to	ADP
cblr-9983	305	31	the	the	DET
cblr-9983	305	32	institution.45	institution.45	ADJ
cblr-9983	305	33	fourth	fourth	ADJ
cblr-9983	305	34	,	,	PUNCT
cblr-9983	305	35	supervision	supervision	NOUN
cblr-9983	305	36	can	can	AUX
cblr-9983	305	37	be	be	AUX
cblr-9983	305	38	an	an	DET
cblr-9983	305	39	efficient	efficient	ADJ
cblr-9983	305	40	way	way	NOUN
cblr-9983	305	41	to	to	PART
cblr-9983	305	42	fill	fill	VERB
cblr-9983	305	43	in	in	ADP
cblr-9983	305	44	the	the	DET
cblr-9983	305	45	lacunae	lacunae	NOUN
cblr-9983	305	46	in	in	ADP
cblr-9983	305	47	banking	banking	NOUN
cblr-9983	305	48	rules	rule	NOUN
cblr-9983	305	49	,	,	PUNCT
cblr-9983	305	50	which	which	PRON
cblr-9983	305	51	are	be	AUX
cblr-9983	305	52	inevitable	inevitable	ADJ
cblr-9983	305	53	when	when	SCONJ
cblr-9983	305	54	even	even	ADV
cblr-9983	305	55	quite	quite	ADV
cblr-9983	305	56	detailed	detailed	ADJ
cblr-9983	305	57	rules	rule	NOUN
cblr-9983	305	58	are	be	AUX
cblr-9983	305	59	applied	apply	VERB
cblr-9983	305	60	to	to	ADP
cblr-9983	305	61	the	the	DET
cblr-9983	305	62	varied	varied	ADJ
cblr-9983	305	63	and	and	CCONJ
cblr-9983	305	64	often	often	ADV
cblr-9983	305	65	complex	complex	ADJ
cblr-9983	305	66	activities	activity	NOUN
cblr-9983	305	67	of	of	ADP
cblr-9983	305	68	large	large	ADJ
cblr-9983	305	69	banks	bank	NOUN
cblr-9983	305	70	.	.	PUNCT
cblr-9983	306	1	risks	risk	NOUN
cblr-9983	306	2	in	in	ADP
cblr-9983	306	3	the	the	DET
cblr-9983	306	4	banking	banking	NOUN
cblr-9983	306	5	system	system	NOUN
cblr-9983	306	6	can	can	AUX
cblr-9983	306	7	be	be	AUX
cblr-9983	306	8	quite	quite	ADV
cblr-9983	306	9	heterogeneous	heterogeneous	ADJ
cblr-9983	306	10	.	.	PUNCT
cblr-9983	307	1	the	the	DET
cblr-9983	307	2	eight	eight	NUM
cblr-9983	307	3	u.s	u.s	PROPN
cblr-9983	307	4	.	.	PROPN
cblr-9983	307	5	banks	bank	NOUN
cblr-9983	307	6	of	of	ADP
cblr-9983	307	7	“	"	PUNCT
cblr-9983	307	8	global	global	ADJ
cblr-9983	307	9	systemic	systemic	NOUN
cblr-9983	307	10	[	[	X
cblr-9983	307	11	]	]	X
cblr-9983	307	12	importan[ce]”46	importan[ce]”46	NOUN
cblr-9983	307	13	have	have	VERB
cblr-9983	307	14	diverse	diverse	ADJ
cblr-9983	307	15	business	business	NOUN
cblr-9983	307	16	models	model	NOUN
cblr-9983	307	17	and	and	CCONJ
cblr-9983	307	18	thus	thus	ADV
cblr-9983	307	19	different	different	ADJ
cblr-9983	307	20	risks	risk	NOUN
cblr-9983	307	21	to	to	ADP
cblr-9983	307	22	revenue	revenue	NOUN
cblr-9983	307	23	and	and	CCONJ
cblr-9983	307	24	asset	asset	NOUN
cblr-9983	307	25	quality	quality	NOUN
cblr-9983	307	26	.	.	PUNCT
cblr-9983	308	1	good	good	ADJ
cblr-9983	308	2	supervision	supervision	NOUN
cblr-9983	308	3	can	can	AUX
cblr-9983	308	4	identify	identify	VERB
cblr-9983	308	5	and	and	CCONJ
cblr-9983	308	6	take	take	VERB
cblr-9983	308	7	relatively	relatively	ADV
cblr-9983	308	8	quick	quick	ADJ
cblr-9983	308	9	mitigating	mitigating	NOUN
cblr-9983	308	10	action	action	NOUN
cblr-9983	308	11	in	in	ADP
cblr-9983	308	12	ways	way	NOUN
cblr-9983	308	13	targeted	target	VERB
cblr-9983	308	14	to	to	ADP
cblr-9983	308	15	the	the	DET
cblr-9983	308	16	particular	particular	ADJ
cblr-9983	308	17	risks	risk	NOUN
cblr-9983	308	18	posed	pose	VERB
cblr-9983	308	19	.	.	PUNCT
cblr-9983	309	1	regulatory	regulatory	ADJ
cblr-9983	309	2	rules	rule	NOUN
cblr-9983	309	3	could	could	AUX
cblr-9983	309	4	attempt	attempt	VERB
cblr-9983	309	5	to	to	PART
cblr-9983	309	6	address	address	VERB
cblr-9983	309	7	the	the	DET
cblr-9983	309	8	wide	wide	ADJ
cblr-9983	309	9	range	range	NOUN
cblr-9983	309	10	of	of	ADP
cblr-9983	309	11	risks	risk	NOUN
cblr-9983	309	12	,	,	PUNCT
cblr-9983	309	13	including	include	VERB
cblr-9983	309	14	those	those	PRON
cblr-9983	309	15	not	not	PART
cblr-9983	309	16	specifically	specifically	ADV
cblr-9983	309	17	anticipated	anticipate	VERB
cblr-9983	309	18	.	.	PUNCT
cblr-9983	310	1	however	however	ADV
cblr-9983	310	2	,	,	PUNCT
cblr-9983	310	3	because	because	SCONJ
cblr-9983	310	4	many	many	ADJ
cblr-9983	310	5	risks	risk	NOUN
cblr-9983	310	6	are	be	AUX
cblr-9983	310	7	hard	hard	ADJ
cblr-9983	310	8	to	to	PART
cblr-9983	310	9	foresee	foresee	VERB
cblr-9983	310	10	and	and	CCONJ
cblr-9983	310	11	potential	potential	ADJ
cblr-9983	310	12	deviations	deviation	NOUN
cblr-9983	310	13	from	from	ADP
cblr-9983	310	14	prudent	prudent	ADJ
cblr-9983	310	15	practice	practice	NOUN
cblr-9983	310	16	are	be	AUX
cblr-9983	310	17	legion	legion	NOUN
cblr-9983	310	18	,	,	PUNCT
cblr-9983	310	19	the	the	DET
cblr-9983	310	20	rules	rule	NOUN
cblr-9983	310	21	might	might	AUX
cblr-9983	310	22	have	have	VERB
cblr-9983	310	23	to	to	PART
cblr-9983	310	24	be	be	AUX
cblr-9983	310	25	much	much	ADV
cblr-9983	310	26	more	more	ADV
cblr-9983	310	27	stringent	stringent	ADJ
cblr-9983	310	28	and	and	CCONJ
cblr-9983	310	29	much	much	ADV
cblr-9983	310	30	blunter	blunt	ADJ
cblr-9983	310	31	to	to	PART
cblr-9983	310	32	capture	capture	VERB
cblr-9983	310	33	all	all	DET
cblr-9983	310	34	these	these	DET
cblr-9983	310	35	contingencies	contingency	NOUN
cblr-9983	310	36	.	.	PUNCT
cblr-9983	311	1	the	the	DET
cblr-9983	311	2	result	result	NOUN
cblr-9983	311	3	would	would	AUX
cblr-9983	311	4	be	be	AUX
cblr-9983	311	5	greater	great	ADJ
cblr-9983	311	6	costs	cost	NOUN
cblr-9983	311	7	to	to	ADP
cblr-9983	311	8	lending	lending	NOUN
cblr-9983	311	9	and	and	CCONJ
cblr-9983	311	10	other	other	ADJ
cblr-9983	311	11	financial	financial	ADJ
cblr-9983	311	12	activities	activity	NOUN
cblr-9983	311	13	than	than	ADP
cblr-9983	311	14	with	with	ADP
cblr-9983	311	15	supervision	supervision	NOUN
cblr-9983	311	16	,	,	PUNCT
cblr-9983	311	17	and	and	CCONJ
cblr-9983	311	18	thus	thus	ADV
cblr-9983	311	19	a	a	DET
cblr-9983	311	20	less	less	ADV
cblr-9983	311	21	efficient	efficient	ADJ
cblr-9983	311	22	means	mean	NOUN
cblr-9983	311	23	for	for	ADP
cblr-9983	311	24	achieving	achieve	VERB
cblr-9983	311	25	a	a	DET
cblr-9983	311	26	comparable	comparable	ADJ
cblr-9983	311	27	level	level	NOUN
cblr-9983	311	28	of	of	ADP
cblr-9983	311	29	prudential	prudential	ADJ
cblr-9983	311	30	protection	protection	PROPN
cblr-9983	311	31	.	.	PUNCT
cblr-9983	312	1	alternatively	alternatively	ADV
cblr-9983	312	2	,	,	PUNCT
cblr-9983	312	3	supervisors	supervisor	NOUN
cblr-9983	312	4	could	could	AUX
cblr-9983	312	5	respond	respond	VERB
cblr-9983	312	6	to	to	ADP
cblr-9983	312	7	any	any	DET
cblr-9983	312	8	perceived	perceive	VERB
cblr-9983	312	9	shortcoming	shortcoming	NOUN
cblr-9983	312	10	in	in	ADP
cblr-9983	312	11	a	a	DET
cblr-9983	312	12	bank	bank	NOUN
cblr-9983	312	13	’s	’s	PART
cblr-9983	312	14	risk	risk	NOUN
cblr-9983	312	15	management	management	NOUN
cblr-9983	312	16	by	by	ADP
cblr-9983	312	17	requiring	require	VERB
cblr-9983	312	18	it	it	PRON
cblr-9983	312	19	to	to	PART
cblr-9983	312	20	hold	hold	VERB
cblr-9983	312	21	more	more	ADJ
cblr-9983	312	22	capital	capital	NOUN
cblr-9983	312	23	.	.	PUNCT
cblr-9983	313	1	again	again	ADV
cblr-9983	313	2	,	,	PUNCT
cblr-9983	313	3	though	though	ADV
cblr-9983	313	4	,	,	PUNCT
cblr-9983	313	5	this	this	DET
cblr-9983	313	6	response	response	NOUN
cblr-9983	313	7	might	might	AUX
cblr-9983	313	8	be	be	AUX
cblr-9983	313	9	costlier	costly	ADJ
cblr-9983	313	10	for	for	ADP
cblr-9983	313	11	prudent	prudent	ADJ
cblr-9983	313	12	financial	financial	ADJ
cblr-9983	313	13	intermediation	intermediation	NOUN
cblr-9983	313	14	than	than	ADP
cblr-9983	313	15	improvements	improvement	NOUN
cblr-9983	313	16	in	in	ADP
cblr-9983	313	17	risk	risk	NOUN
cblr-9983	313	18	management	management	NOUN
cblr-9983	313	19	.	.	PUNCT
cblr-9983	314	1	45	45	NUM
cblr-9983	314	2	can	can	AUX
cblr-9983	314	3	detect	detect	VERB
cblr-9983	314	4	certainly	certainly	ADV
cblr-9983	314	5	does	do	AUX
cblr-9983	314	6	not	not	PART
cblr-9983	314	7	necessarily	necessarily	ADV
cblr-9983	314	8	mean	mean	VERB
cblr-9983	314	9	will	will	AUX
cblr-9983	314	10	detect	detect	VERB
cblr-9983	314	11	.	.	PUNCT
cblr-9983	315	1	moreover	moreover	ADV
cblr-9983	315	2	,	,	PUNCT
cblr-9983	315	3	what	what	PRON
cblr-9983	315	4	is	be	AUX
cblr-9983	315	5	referred	refer	VERB
cblr-9983	315	6	to	to	ADP
cblr-9983	315	7	by	by	ADP
cblr-9983	315	8	banks	bank	NOUN
cblr-9983	315	9	as	as	ADP
cblr-9983	315	10	regulatory	regulatory	ADJ
cblr-9983	315	11	“	"	PUNCT
cblr-9983	315	12	optimization	optimization	NOUN
cblr-9983	315	13	”	"	PUNCT
cblr-9983	315	14	includes	include	VERB
cblr-9983	315	15	not	not	PART
cblr-9983	315	16	just	just	ADV
cblr-9983	315	17	arbitrage	arbitrage	NOUN
cblr-9983	315	18	of	of	ADP
cblr-9983	315	19	the	the	DET
cblr-9983	315	20	sort	sort	NOUN
cblr-9983	315	21	described	describe	VERB
cblr-9983	315	22	in	in	ADP
cblr-9983	315	23	the	the	DET
cblr-9983	315	24	text	text	NOUN
cblr-9983	315	25	,	,	PUNCT
cblr-9983	315	26	but	but	CCONJ
cblr-9983	315	27	also	also	ADV
cblr-9983	315	28	changes	change	VERB
cblr-9983	315	29	in	in	ADP
cblr-9983	315	30	the	the	DET
cblr-9983	315	31	composition	composition	NOUN
cblr-9983	315	32	of	of	ADP
cblr-9983	315	33	bank	bank	NOUN
cblr-9983	315	34	assets	asset	NOUN
cblr-9983	315	35	and	and	CCONJ
cblr-9983	315	36	liabilities	liability	NOUN
cblr-9983	315	37	that	that	PRON
cblr-9983	315	38	reduce	reduce	VERB
cblr-9983	315	39	regulatory	regulatory	ADJ
cblr-9983	315	40	charges	charge	NOUN
cblr-9983	315	41	by	by	ADP
cblr-9983	315	42	lowering	lower	VERB
cblr-9983	315	43	risk	risk	NOUN
cblr-9983	315	44	—	—	PUNCT
cblr-9983	315	45	precisely	precisely	ADV
cblr-9983	315	46	what	what	PRON
cblr-9983	315	47	the	the	DET
cblr-9983	315	48	regulators	regulator	NOUN
cblr-9983	315	49	intended	intend	VERB
cblr-9983	315	50	.	.	PUNCT
cblr-9983	316	1	46	46	NUM
cblr-9983	316	2	fin	fin	NOUN
cblr-9983	316	3	.	.	PUNCT
cblr-9983	316	4	stability	stability	PROPN
cblr-9983	316	5	bd	bd	PROPN
cblr-9983	316	6	.	.	PROPN
cblr-9983	316	7	,	,	PUNCT
cblr-9983	316	8	2021	2021	NUM
cblr-9983	316	9	list	list	NOUN
cblr-9983	316	10	of	of	ADP
cblr-9983	316	11	global	global	ADJ
cblr-9983	316	12	systemically	systemically	ADV
cblr-9983	316	13	important	important	ADJ
cblr-9983	316	14	banks	bank	NOUN
cblr-9983	316	15	(	(	PUNCT
cblr-9983	316	16	g	g	NOUN
cblr-9983	316	17	-	-	PUNCT
cblr-9983	316	18	sibs	sib	NOUN
cblr-9983	316	19	)	)	PUNCT
cblr-9983	316	20	(	(	PUNCT
cblr-9983	316	21	2021	2021	NUM
cblr-9983	316	22	)	)	PUNCT
cblr-9983	316	23	,	,	PUNCT
cblr-9983	316	24	https://www.fsb.org/wpcontent/uploads/p231121.pdf	https://www.fsb.org/wpcontent/uploads/p231121.pdf	PROPN
cblr-9983	317	1	[	[	X
cblr-9983	317	2	https://perma.cc/y87d-8zzc	https://perma.cc/y87d-8zzc	X
cblr-9983	317	3	]	]	PUNCT
cblr-9983	317	4	.	.	PUNCT
cblr-9983	318	1	no	no	INTJ
cblr-9983	318	2	.	.	PUNCT
cblr-9983	319	1	1:279	1:279	NOUN
cblr-9983	319	2	]	]	X
cblr-9983	319	3	bank	bank	NOUN
cblr-9983	319	4	supervision	supervision	NOUN
cblr-9983	319	5	and	and	CCONJ
cblr-9983	319	6	administrative	administrative	ADJ
cblr-9983	319	7	law	law	NOUN
cblr-9983	319	8	297	297	NUM
cblr-9983	319	9	similarly	similarly	ADV
cblr-9983	319	10	,	,	PUNCT
cblr-9983	319	11	the	the	DET
cblr-9983	319	12	fifth	fifth	ADJ
cblr-9983	319	13	supervisory	supervisory	ADJ
cblr-9983	319	14	function	function	NOUN
cblr-9983	319	15	is	be	AUX
cblr-9983	319	16	to	to	PART
cblr-9983	319	17	identify	identify	VERB
cblr-9983	319	18	bank	bank	NOUN
cblr-9983	319	19	innovations	innovation	NOUN
cblr-9983	319	20	or	or	CCONJ
cblr-9983	319	21	shifts	shift	NOUN
cblr-9983	319	22	in	in	ADP
cblr-9983	319	23	activities	activity	NOUN
cblr-9983	319	24	carrying	carry	VERB
cblr-9983	319	25	risks	risk	NOUN
cblr-9983	319	26	that	that	PRON
cblr-9983	319	27	were	be	AUX
cblr-9983	319	28	not	not	PART
cblr-9983	319	29	contemplated	contemplate	VERB
cblr-9983	319	30	in	in	ADP
cblr-9983	319	31	the	the	DET
cblr-9983	319	32	drafting	drafting	NOUN
cblr-9983	319	33	of	of	ADP
cblr-9983	319	34	existing	exist	VERB
cblr-9983	319	35	regulatory	regulatory	ADJ
cblr-9983	319	36	rules	rule	NOUN
cblr-9983	319	37	.	.	PUNCT
cblr-9983	320	1	depending	depend	VERB
cblr-9983	320	2	on	on	ADP
cblr-9983	320	3	the	the	DET
cblr-9983	320	4	circumstances	circumstance	NOUN
cblr-9983	320	5	,	,	PUNCT
cblr-9983	320	6	the	the	DET
cblr-9983	320	7	appropriate	appropriate	ADJ
cblr-9983	320	8	response	response	NOUN
cblr-9983	320	9	will	will	AUX
cblr-9983	320	10	be	be	AUX
cblr-9983	320	11	supervisory	supervisory	ADJ
cblr-9983	320	12	guidance	guidance	NOUN
cblr-9983	320	13	to	to	ADP
cblr-9983	320	14	one	one	NUM
cblr-9983	320	15	or	or	CCONJ
cblr-9983	320	16	a	a	DET
cblr-9983	320	17	small	small	ADJ
cblr-9983	320	18	number	number	NOUN
cblr-9983	320	19	of	of	ADP
cblr-9983	320	20	banks	bank	NOUN
cblr-9983	320	21	,	,	PUNCT
cblr-9983	320	22	industry	industry	NOUN
cblr-9983	320	23	-	-	PUNCT
cblr-9983	320	24	wide	wide	ADJ
cblr-9983	320	25	supervisory	supervisory	ADJ
cblr-9983	320	26	guidance	guidance	NOUN
cblr-9983	320	27	,	,	PUNCT
cblr-9983	320	28	an	an	DET
cblr-9983	320	29	enforcement	enforcement	NOUN
cblr-9983	320	30	action	action	NOUN
cblr-9983	320	31	,	,	PUNCT
cblr-9983	320	32	an	an	DET
cblr-9983	320	33	early	early	ADJ
cblr-9983	320	34	start	start	NOUN
cblr-9983	320	35	on	on	ADP
cblr-9983	320	36	a	a	DET
cblr-9983	320	37	new	new	ADJ
cblr-9983	320	38	regulatory	regulatory	ADJ
cblr-9983	320	39	rule	rule	NOUN
cblr-9983	320	40	,	,	PUNCT
cblr-9983	320	41	or	or	CCONJ
cblr-9983	320	42	some	some	DET
cblr-9983	320	43	combination	combination	NOUN
cblr-9983	320	44	of	of	ADP
cblr-9983	320	45	these	these	DET
cblr-9983	320	46	measures	measure	NOUN
cblr-9983	320	47	.	.	PUNCT
cblr-9983	321	1	the	the	DET
cblr-9983	321	2	fast	fast	ADV
cblr-9983	321	3	-	-	PUNCT
cblr-9983	321	4	moving	move	VERB
cblr-9983	321	5	potential	potential	NOUN
cblr-9983	321	6	of	of	ADP
cblr-9983	321	7	financial	financial	ADJ
cblr-9983	321	8	activity	activity	NOUN
cblr-9983	321	9	will	will	AUX
cblr-9983	321	10	often	often	ADV
cblr-9983	321	11	counsel	counsel	VERB
cblr-9983	321	12	one	one	NUM
cblr-9983	321	13	or	or	CCONJ
cblr-9983	321	14	more	more	ADJ
cblr-9983	321	15	supervisory	supervisory	ADJ
cblr-9983	321	16	measures	measure	NOUN
cblr-9983	321	17	during	during	ADP
cblr-9983	321	18	what	what	PRON
cblr-9983	321	19	may	may	AUX
cblr-9983	321	20	be	be	AUX
cblr-9983	321	21	an	an	DET
cblr-9983	321	22	extended	extended	ADJ
cblr-9983	321	23	period	period	NOUN
cblr-9983	321	24	of	of	ADP
cblr-9983	321	25	agency	agency	NOUN
cblr-9983	321	26	analysis	analysis	NOUN
cblr-9983	321	27	of	of	ADP
cblr-9983	321	28	the	the	DET
cblr-9983	321	29	emerging	emerge	VERB
cblr-9983	321	30	bank	bank	NOUN
cblr-9983	321	31	practice	practice	NOUN
cblr-9983	321	32	and	and	CCONJ
cblr-9983	321	33	consequent	consequent	ADJ
cblr-9983	321	34	rulemaking	rulemaking	NOUN
cblr-9983	321	35	process	process	NOUN
cblr-9983	321	36	.	.	PUNCT
cblr-9983	322	1	in	in	ADP
cblr-9983	322	2	theory	theory	NOUN
cblr-9983	322	3	,	,	PUNCT
cblr-9983	322	4	the	the	DET
cblr-9983	322	5	optimal	optimal	ADJ
cblr-9983	322	6	approach	approach	NOUN
cblr-9983	322	7	to	to	ADP
cblr-9983	322	8	prudential	prudential	ADJ
cblr-9983	322	9	regulation	regulation	NOUN
cblr-9983	322	10	should	should	AUX
cblr-9983	322	11	be	be	AUX
cblr-9983	322	12	a	a	DET
cblr-9983	322	13	mix	mix	NOUN
cblr-9983	322	14	of	of	ADP
cblr-9983	322	15	generally	generally	ADV
cblr-9983	322	16	applicable	applicable	ADJ
cblr-9983	322	17	rules	rule	NOUN
cblr-9983	322	18	and	and	CCONJ
cblr-9983	322	19	of	of	ADP
cblr-9983	322	20	supervisory	supervisory	ADJ
cblr-9983	322	21	oversight	oversight	NOUN
cblr-9983	322	22	that	that	PRON
cblr-9983	322	23	necessarily	necessarily	ADV
cblr-9983	322	24	entails	entail	VERB
cblr-9983	322	25	considerable	considerable	ADJ
cblr-9983	322	26	discretion.47	discretion.47	NOUN
cblr-9983	322	27	the	the	DET
cblr-9983	322	28	right	right	ADJ
cblr-9983	322	29	mix	mix	NOUN
cblr-9983	322	30	of	of	ADP
cblr-9983	322	31	regulatory	regulatory	ADJ
cblr-9983	322	32	rules	rule	NOUN
cblr-9983	322	33	and	and	CCONJ
cblr-9983	322	34	supervisory	supervisory	ADJ
cblr-9983	322	35	oversight	oversight	NOUN
cblr-9983	322	36	will	will	AUX
cblr-9983	322	37	vary	vary	VERB
cblr-9983	322	38	over	over	ADP
cblr-9983	322	39	time	time	NOUN
cblr-9983	322	40	and	and	CCONJ
cblr-9983	322	41	with	with	ADP
cblr-9983	322	42	the	the	DET
cblr-9983	322	43	nature	nature	NOUN
cblr-9983	322	44	of	of	ADP
cblr-9983	322	45	bank	bank	NOUN
cblr-9983	322	46	risks	risk	NOUN
cblr-9983	322	47	.	.	PUNCT
cblr-9983	323	1	similarly	similarly	ADV
cblr-9983	323	2	,	,	PUNCT
cblr-9983	323	3	the	the	DET
cblr-9983	323	4	intensity	intensity	NOUN
cblr-9983	323	5	of	of	ADP
cblr-9983	323	6	supervisory	supervisory	ADJ
cblr-9983	323	7	oversight	oversight	NOUN
cblr-9983	323	8	—	—	PUNCT
cblr-9983	323	9	especially	especially	ADV
cblr-9983	323	10	the	the	DET
cblr-9983	323	11	relative	relative	ADJ
cblr-9983	323	12	number	number	NOUN
cblr-9983	323	13	and	and	CCONJ
cblr-9983	323	14	scope	scope	NOUN
cblr-9983	323	15	of	of	ADP
cblr-9983	323	16	supervisory	supervisory	ADJ
cblr-9983	323	17	demands	demand	NOUN
cblr-9983	323	18	on	on	ADP
cblr-9983	323	19	banks	bank	NOUN
cblr-9983	323	20	—	—	PUNCT
cblr-9983	323	21	will	will	AUX
cblr-9983	323	22	vary	vary	VERB
cblr-9983	323	23	across	across	ADP
cblr-9983	323	24	banks	bank	NOUN
cblr-9983	323	25	.	.	PUNCT
cblr-9983	324	1	while	while	SCONJ
cblr-9983	324	2	the	the	DET
cblr-9983	324	3	first	first	ADJ
cblr-9983	324	4	two	two	NUM
cblr-9983	324	5	supervisory	supervisory	ADJ
cblr-9983	324	6	functions	function	NOUN
cblr-9983	324	7	—	—	PUNCT
cblr-9983	324	8	enforcement	enforcement	NOUN
cblr-9983	324	9	and	and	CCONJ
cblr-9983	324	10	independent	independent	ADJ
cblr-9983	324	11	assessment	assessment	NOUN
cblr-9983	324	12	—	—	PUNCT
cblr-9983	324	13	are	be	AUX
cblr-9983	324	14	important	important	ADJ
cblr-9983	324	15	,	,	PUNCT
cblr-9983	324	16	they	they	PRON
cblr-9983	324	17	will	will	AUX
cblr-9983	324	18	not	not	PART
cblr-9983	324	19	usually	usually	ADV
cblr-9983	324	20	raise	raise	VERB
cblr-9983	324	21	issues	issue	NOUN
cblr-9983	324	22	at	at	ADP
cblr-9983	324	23	the	the	DET
cblr-9983	324	24	intersection	intersection	NOUN
cblr-9983	324	25	of	of	ADP
cblr-9983	324	26	supervision	supervision	NOUN
cblr-9983	324	27	and	and	CCONJ
cblr-9983	324	28	administrative	administrative	ADJ
cblr-9983	324	29	law	law	NOUN
cblr-9983	324	30	.	.	PUNCT
cblr-9983	325	1	a	a	DET
cblr-9983	325	2	simple	simple	ADJ
cblr-9983	325	3	example	example	NOUN
cblr-9983	325	4	can	can	AUX
cblr-9983	325	5	illustrate	illustrate	VERB
cblr-9983	325	6	how	how	SCONJ
cblr-9983	325	7	the	the	DET
cblr-9983	325	8	last	last	ADJ
cblr-9983	325	9	three	three	NUM
cblr-9983	325	10	supervisory	supervisory	ADJ
cblr-9983	325	11	functions	function	NOUN
cblr-9983	325	12	—	—	PUNCT
cblr-9983	325	13	monitoring	monitor	VERB
cblr-9983	325	14	arbitrage	arbitrage	NOUN
cblr-9983	325	15	of	of	ADP
cblr-9983	325	16	regulatory	regulatory	ADJ
cblr-9983	325	17	rules	rule	NOUN
cblr-9983	325	18	and	and	CCONJ
cblr-9983	325	19	addressing	address	VERB
cblr-9983	325	20	gaps	gap	NOUN
cblr-9983	325	21	and	and	CCONJ
cblr-9983	325	22	new	new	ADJ
cblr-9983	325	23	situations	situation	NOUN
cblr-9983	325	24	not	not	PART
cblr-9983	325	25	previously	previously	ADV
cblr-9983	325	26	contemplated	contemplate	VERB
cblr-9983	325	27	—	—	PUNCT
cblr-9983	325	28	complement	complement	ADJ
cblr-9983	325	29	regulatory	regulatory	ADJ
cblr-9983	325	30	(	(	PUNCT
cblr-9983	325	31	or	or	CCONJ
cblr-9983	325	32	statutory	statutory	ADJ
cblr-9983	325	33	)	)	PUNCT
cblr-9983	325	34	rules	rule	NOUN
cblr-9983	325	35	and	and	CCONJ
cblr-9983	325	36	can	can	AUX
cblr-9983	325	37	implicate	implicate	VERB
cblr-9983	325	38	issues	issue	NOUN
cblr-9983	325	39	of	of	ADP
cblr-9983	325	40	discretion	discretion	NOUN
cblr-9983	325	41	and	and	CCONJ
cblr-9983	325	42	administrative	administrative	ADJ
cblr-9983	325	43	formality	formality	NOUN
cblr-9983	325	44	.	.	PUNCT
cblr-9983	326	1	one	one	NUM
cblr-9983	326	2	of	of	ADP
cblr-9983	326	3	the	the	DET
cblr-9983	326	4	best	well	ADV
cblr-9983	326	5	-	-	PUNCT
cblr-9983	326	6	established	establish	VERB
cblr-9983	326	7	47	47	NUM
cblr-9983	326	8	for	for	ADP
cblr-9983	326	9	a	a	DET
cblr-9983	326	10	somewhat	somewhat	ADV
cblr-9983	326	11	different	different	ADJ
cblr-9983	326	12	,	,	PUNCT
cblr-9983	326	13	but	but	CCONJ
cblr-9983	326	14	congruent	congruent	ADJ
cblr-9983	326	15	,	,	PUNCT
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cblr-9983	326	17	of	of	ADP
cblr-9983	326	18	the	the	DET
cblr-9983	326	19	efficiency	efficiency	NOUN
cblr-9983	326	20	potential	potential	NOUN
cblr-9983	326	21	of	of	ADP
cblr-9983	326	22	supervision	supervision	NOUN
cblr-9983	326	23	,	,	PUNCT
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cblr-9983	326	28	,	,	PUNCT
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cblr-9983	326	30	.	.	PUNCT
cblr-9983	327	1	vice	vice	PROPN
cblr-9983	327	2	president	president	NOUN
cblr-9983	327	3	,	,	PUNCT
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cblr-9983	327	5	.	.	PUNCT
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cblr-9983	327	7	.	.	PUNCT
cblr-9983	328	1	bank	bank	PROPN
cblr-9983	328	2	of	of	ADP
cblr-9983	328	3	n.y	n.y	PROPN
cblr-9983	328	4	.	.	PROPN
cblr-9983	328	5	,	,	PUNCT
cblr-9983	328	6	remarks	remark	NOUN
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cblr-9983	328	8	bank	bank	NOUN
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cblr-9983	328	10	,	,	PUNCT
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cblr-9983	328	12	and	and	CCONJ
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cblr-9983	328	21	university	university	PROPN
cblr-9983	328	22	’s	’s	PART
cblr-9983	328	23	school	school	NOUN
cblr-9983	328	24	of	of	ADP
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cblr-9983	328	32	city	city	PROPN
cblr-9983	328	33	:	:	PUNCT
cblr-9983	328	34	policy	policy	NOUN
cblr-9983	328	35	efficiency	efficiency	NOUN
cblr-9983	328	36	in	in	ADP
cblr-9983	328	37	supervision	supervision	NOUN
cblr-9983	328	38	(	(	PUNCT
cblr-9983	328	39	mar	mar	PROPN
cblr-9983	328	40	.	.	PROPN
cblr-9983	328	41	1	1	NUM
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cblr-9983	328	44	)	)	PUNCT
cblr-9983	328	45	,	,	PUNCT
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cblr-9983	329	1	[	[	X
cblr-9983	329	2	https://perma.cc/4ah9-kbd6	https://perma.cc/4ah9-kbd6	X
cblr-9983	329	3	]	]	X
cblr-9983	329	4	;	;	PUNCT
cblr-9983	329	5	see	see	VERB
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cblr-9983	329	7	beverly	beverly	PROPN
cblr-9983	329	8	hirtle	hirtle	PROPN
cblr-9983	329	9	&	&	CCONJ
cblr-9983	329	10	anna	anna	PROPN
cblr-9983	329	11	kovner	kovner	PROPN
cblr-9983	329	12	,	,	PUNCT
cblr-9983	329	13	fed	fed	PROPN
cblr-9983	329	14	.	.	PUNCT
cblr-9983	329	15	rsrv	rsrv	PROPN
cblr-9983	329	16	.	.	PUNCT
cblr-9983	330	1	bank	bank	PROPN
cblr-9983	330	2	of	of	ADP
cblr-9983	330	3	n.y	n.y	PROPN
cblr-9983	330	4	.	.	PROPN
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cblr-9983	330	10	,	,	PUNCT
cblr-9983	330	11	banking	banking	NOUN
cblr-9983	330	12	supervision	supervision	NOUN
cblr-9983	330	13	:	:	PUNCT
cblr-9983	330	14	the	the	DET
cblr-9983	330	15	perspective	perspective	NOUN
cblr-9983	330	16	from	from	ADP
cblr-9983	330	17	economics	economic	NOUN
cblr-9983	330	18	,	,	PUNCT
cblr-9983	330	19	(	(	PUNCT
cblr-9983	330	20	2020	2020	NUM
cblr-9983	330	21	)	)	PUNCT
cblr-9983	330	22	,	,	PUNCT
cblr-9983	330	23	https://www.newyorkfederal	https://www.newyorkfederal	NOUN
cblr-9983	330	24	reserve.org/research/staff_reports/sr952	reserve.org/research/staff_reports/sr952	NOUN
cblr-9983	330	25	[	[	X
cblr-9983	330	26	https://perma.cc/8fr6-v3qz	https://perma.cc/8fr6-v3qz	X
cblr-9983	330	27	]	]	X
cblr-9983	330	28	.	.	PUNCT
cblr-9983	331	1	298	298	NUM
cblr-9983	331	2	columbia	columbia	PROPN
cblr-9983	331	3	business	business	NOUN
cblr-9983	331	4	law	law	PROPN
cblr-9983	331	5	review	review	NOUN
cblr-9983	331	6	[	[	X
cblr-9983	331	7	vol	vol	NOUN
cblr-9983	331	8	.	.	PUNCT
cblr-9983	332	1	2022	2022	NUM
cblr-9983	332	2	supervisory	supervisory	ADJ
cblr-9983	332	3	practices	practice	NOUN
cblr-9983	332	4	is	be	AUX
cblr-9983	332	5	scrutiny	scrutiny	NOUN
cblr-9983	332	6	of	of	ADP
cblr-9983	332	7	the	the	DET
cblr-9983	332	8	risk	risk	NOUN
cblr-9983	332	9	management	management	NOUN
cblr-9983	332	10	process	process	NOUN
cblr-9983	332	11	accompanying	accompany	VERB
cblr-9983	332	12	an	an	DET
cblr-9983	332	13	extension	extension	NOUN
cblr-9983	332	14	of	of	ADP
cblr-9983	332	15	credit	credit	NOUN
cblr-9983	332	16	by	by	ADP
cblr-9983	332	17	a	a	DET
cblr-9983	332	18	bank	bank	NOUN
cblr-9983	332	19	.	.	PUNCT
cblr-9983	333	1	since	since	SCONJ
cblr-9983	333	2	the	the	DET
cblr-9983	333	3	late	late	ADJ
cblr-9983	333	4	1980s	1980s	NUM
cblr-9983	333	5	,	,	PUNCT
cblr-9983	333	6	u.s	u.s	PROPN
cblr-9983	333	7	.	.	PROPN
cblr-9983	333	8	banks	bank	NOUN
cblr-9983	333	9	have	have	AUX
cblr-9983	333	10	been	be	AUX
cblr-9983	333	11	subject	subject	ADJ
cblr-9983	333	12	to	to	ADP
cblr-9983	333	13	risk	risk	NOUN
cblr-9983	333	14	-	-	PUNCT
cblr-9983	333	15	weighted	weight	VERB
cblr-9983	333	16	minimum	minimum	ADJ
cblr-9983	333	17	capital	capital	NOUN
cblr-9983	333	18	requirements	requirement	NOUN
cblr-9983	333	19	,	,	PUNCT
cblr-9983	333	20	which	which	PRON
cblr-9983	333	21	are	be	AUX
cblr-9983	333	22	formalized	formalize	VERB
cblr-9983	333	23	as	as	ADP
cblr-9983	333	24	regulatory	regulatory	ADJ
cblr-9983	333	25	rules.48	rules.48	PROPN
cblr-9983	333	26	as	as	SCONJ
cblr-9983	333	27	the	the	DET
cblr-9983	333	28	term	term	NOUN
cblr-9983	333	29	implies	imply	VERB
cblr-9983	333	30	,	,	PUNCT
cblr-9983	333	31	these	these	DET
cblr-9983	333	32	requirements	requirement	NOUN
cblr-9983	333	33	assign	assign	VERB
cblr-9983	333	34	a	a	DET
cblr-9983	333	35	risk	risk	NOUN
cblr-9983	333	36	-	-	PUNCT
cblr-9983	333	37	weight	weight	NOUN
cblr-9983	333	38	to	to	ADP
cblr-9983	333	39	each	each	DET
cblr-9983	333	40	asset	asset	NOUN
cblr-9983	333	41	or	or	CCONJ
cblr-9983	333	42	class	class	NOUN
cblr-9983	333	43	of	of	ADP
cblr-9983	333	44	assets	asset	NOUN
cblr-9983	333	45	on	on	ADP
cblr-9983	333	46	a	a	DET
cblr-9983	333	47	bank	bank	NOUN
cblr-9983	333	48	’s	’s	PART
cblr-9983	333	49	balance	balance	NOUN
cblr-9983	333	50	sheet	sheet	NOUN
cblr-9983	333	51	.	.	PUNCT
cblr-9983	334	1	the	the	DET
cblr-9983	334	2	minimum	minimum	ADJ
cblr-9983	334	3	loss	loss	NOUN
cblr-9983	334	4	-	-	PUNCT
cblr-9983	334	5	absorbing	absorb	VERB
cblr-9983	334	6	capital	capital	NOUN
cblr-9983	334	7	that	that	PRON
cblr-9983	334	8	the	the	DET
cblr-9983	334	9	bank	bank	NOUN
cblr-9983	334	10	must	must	AUX
cblr-9983	334	11	maintain	maintain	VERB
cblr-9983	334	12	is	be	AUX
cblr-9983	334	13	set	set	VERB
cblr-9983	334	14	at	at	ADP
cblr-9983	334	15	a	a	DET
cblr-9983	334	16	percentage	percentage	NOUN
cblr-9983	334	17	of	of	ADP
cblr-9983	334	18	the	the	DET
cblr-9983	334	19	total	total	NOUN
cblr-9983	334	20	of	of	ADP
cblr-9983	334	21	the	the	DET
cblr-9983	334	22	bank	bank	NOUN
cblr-9983	334	23	’s	’s	PART
cblr-9983	334	24	risk	risk	NOUN
cblr-9983	334	25	-	-	PUNCT
cblr-9983	334	26	weighted	weight	VERB
cblr-9983	334	27	assets.49	assets.49	NOUN
cblr-9983	334	28	the	the	DET
cblr-9983	334	29	assignment	assignment	NOUN
cblr-9983	334	30	of	of	ADP
cblr-9983	334	31	risk	risk	NOUN
cblr-9983	334	32	weights	weight	NOUN
cblr-9983	334	33	and	and	CCONJ
cblr-9983	334	34	specification	specification	NOUN
cblr-9983	334	35	of	of	ADP
cblr-9983	334	36	a	a	DET
cblr-9983	334	37	minimum	minimum	ADJ
cblr-9983	334	38	percentage	percentage	NOUN
cblr-9983	334	39	capital	capital	NOUN
cblr-9983	334	40	level	level	NOUN
cblr-9983	334	41	in	in	ADP
cblr-9983	334	42	regulatory	regulatory	ADJ
cblr-9983	334	43	rules	rule	NOUN
cblr-9983	334	44	require	require	VERB
cblr-9983	334	45	the	the	DET
cblr-9983	334	46	exercise	exercise	NOUN
cblr-9983	334	47	of	of	ADP
cblr-9983	334	48	judgment	judgment	NOUN
cblr-9983	334	49	by	by	ADP
cblr-9983	334	50	the	the	DET
cblr-9983	334	51	banking	banking	NOUN
cblr-9983	334	52	agencies	agency	NOUN
cblr-9983	334	53	.	.	PUNCT
cblr-9983	335	1	loss	loss	NOUN
cblr-9983	335	2	functions	function	NOUN
cblr-9983	335	3	and	and	CCONJ
cblr-9983	335	4	minimum	minimum	ADJ
cblr-9983	335	5	capital	capital	NOUN
cblr-9983	335	6	levels	level	NOUN
cblr-9983	335	7	have	have	AUX
cblr-9983	335	8	been	be	AUX
cblr-9983	335	9	set	set	VERB
cblr-9983	335	10	based	base	VERB
cblr-9983	335	11	on	on	ADP
cblr-9983	335	12	historical	historical	ADJ
cblr-9983	335	13	loss	loss	NOUN
cblr-9983	335	14	experience	experience	NOUN
cblr-9983	335	15	adjusted	adjust	VERB
cblr-9983	335	16	for	for	ADP
cblr-9983	335	17	observed	observed	ADJ
cblr-9983	335	18	trends	trend	NOUN
cblr-9983	335	19	in	in	ADP
cblr-9983	335	20	the	the	DET
cblr-9983	335	21	volatility	volatility	NOUN
cblr-9983	335	22	of	of	ADP
cblr-9983	335	23	asset	asset	NOUN
cblr-9983	335	24	values	value	NOUN
cblr-9983	335	25	,	,	PUNCT
cblr-9983	335	26	creditworthiness	creditworthiness	NOUN
cblr-9983	335	27	of	of	ADP
cblr-9983	335	28	identifiable	identifiable	ADJ
cblr-9983	335	29	classes	class	NOUN
cblr-9983	335	30	of	of	ADP
cblr-9983	335	31	borrowers	borrower	NOUN
cblr-9983	335	32	,	,	PUNCT
cblr-9983	335	33	and	and	CCONJ
cblr-9983	335	34	other	other	ADJ
cblr-9983	335	35	factors.50	factors.50	NOUN
cblr-9983	335	36	the	the	DET
cblr-9983	335	37	requirements	requirement	NOUN
cblr-9983	336	1	48	48	NUM
cblr-9983	336	2	joseph	joseph	PROPN
cblr-9983	336	3	g.	g.	PROPN
cblr-9983	336	4	haubrich	haubrich	PROPN
cblr-9983	336	5	,	,	PUNCT
cblr-9983	336	6	a	a	DET
cblr-9983	336	7	brief	brief	ADJ
cblr-9983	336	8	history	history	NOUN
cblr-9983	336	9	of	of	ADP
cblr-9983	336	10	bank	bank	NOUN
cblr-9983	336	11	capital	capital	NOUN
cblr-9983	336	12	requirements	requirement	NOUN
cblr-9983	336	13	in	in	ADP
cblr-9983	336	14	the	the	DET
cblr-9983	336	15	united	united	PROPN
cblr-9983	336	16	states	states	PROPN
cblr-9983	336	17	,	,	PUNCT
cblr-9983	336	18	econ	econ	PROPN
cblr-9983	336	19	.	.	PUNCT
cblr-9983	336	20	comment	comment	PROPN
cblr-9983	336	21	.	.	PUNCT
cblr-9983	337	1	feb	feb	PROPN
cblr-9983	337	2	.	.	PROPN
cblr-9983	337	3	28	28	NUM
cblr-9983	337	4	,	,	PUNCT
cblr-9983	337	5	2020	2020	NUM
cblr-9983	337	6	,	,	PUNCT
cblr-9983	337	7	at	at	ADP
cblr-9983	337	8	1	1	NUM
cblr-9983	337	9	,	,	PUNCT
cblr-9983	337	10	2	2	NUM
cblr-9983	337	11	,	,	PUNCT
cblr-9983	337	12	https://www.clevelandfed.org/newsroom-and-events/publications/economiccommentary/2020-economic-commentaries/ec-202005-evolution-bankcapital-requirements.aspx	https://www.clevelandfed.org/newsroom-and-events/publications/economiccommentary/2020-economic-commentaries/ec-202005-evolution-bankcapital-requirements.aspx	X
cblr-9983	337	13	(	(	PUNCT
cblr-9983	337	14	on	on	ADP
cblr-9983	337	15	file	file	NOUN
cblr-9983	337	16	with	with	ADP
cblr-9983	337	17	the	the	DET
cblr-9983	337	18	columbia	columbia	PROPN
cblr-9983	337	19	business	business	PROPN
cblr-9983	337	20	law	law	PROPN
cblr-9983	337	21	review	review	PROPN
cblr-9983	337	22	)	)	PUNCT
cblr-9983	337	23	.	.	PUNCT
cblr-9983	338	1	49	49	NUM
cblr-9983	338	2	to	to	PART
cblr-9983	338	3	illustrate	illustrate	VERB
cblr-9983	338	4	using	use	VERB
cblr-9983	338	5	a	a	DET
cblr-9983	338	6	simplified	simplified	ADJ
cblr-9983	338	7	example	example	NOUN
cblr-9983	338	8	,	,	PUNCT
cblr-9983	338	9	single	single	ADJ
cblr-9983	338	10	-	-	PUNCT
cblr-9983	338	11	family	family	NOUN
cblr-9983	338	12	mortgages	mortgage	NOUN
cblr-9983	338	13	may	may	AUX
cblr-9983	338	14	be	be	AUX
cblr-9983	338	15	risk	risk	NOUN
cblr-9983	338	16	-	-	PUNCT
cblr-9983	338	17	weighted	weight	VERB
cblr-9983	338	18	at	at	ADP
cblr-9983	338	19	50	50	NUM
cblr-9983	338	20	%	%	NOUN
cblr-9983	338	21	,	,	PUNCT
cblr-9983	338	22	unsecured	unsecured	ADJ
cblr-9983	338	23	loans	loan	NOUN
cblr-9983	338	24	to	to	ADP
cblr-9983	338	25	corporations	corporation	NOUN
cblr-9983	338	26	at	at	ADP
cblr-9983	338	27	100	100	NUM
cblr-9983	338	28	%	%	NOUN
cblr-9983	338	29	,	,	PUNCT
cblr-9983	338	30	and	and	CCONJ
cblr-9983	338	31	treasury	treasury	PROPN
cblr-9983	338	32	bills	bill	NOUN
cblr-9983	338	33	at	at	ADP
cblr-9983	338	34	0	0	NUM
cblr-9983	338	35	%	%	NOUN
cblr-9983	338	36	.	.	PUNCT
cblr-9983	339	1	in	in	ADP
cblr-9983	339	2	such	such	DET
cblr-9983	339	3	a	a	DET
cblr-9983	339	4	case	case	NOUN
cblr-9983	339	5	,	,	PUNCT
cblr-9983	339	6	the	the	DET
cblr-9983	339	7	risk	risk	NOUN
cblr-9983	339	8	-	-	PUNCT
cblr-9983	339	9	weighted	weight	VERB
cblr-9983	339	10	value	value	NOUN
cblr-9983	339	11	of	of	ADP
cblr-9983	339	12	a	a	DET
cblr-9983	339	13	$	$	SYM
cblr-9983	339	14	300,000	300,000	NUM
cblr-9983	339	15	mortgage	mortgage	NOUN
cblr-9983	339	16	would	would	AUX
cblr-9983	339	17	be	be	AUX
cblr-9983	339	18	$	$	SYM
cblr-9983	339	19	150,000	150,000	NUM
cblr-9983	339	20	,	,	PUNCT
cblr-9983	339	21	a	a	DET
cblr-9983	339	22	$	$	SYM
cblr-9983	339	23	300,000	300,000	NUM
cblr-9983	339	24	corporate	corporate	ADJ
cblr-9983	339	25	loan	loan	NOUN
cblr-9983	339	26	would	would	AUX
cblr-9983	339	27	be	be	AUX
cblr-9983	339	28	$	$	SYM
cblr-9983	339	29	300,000	300,000	NUM
cblr-9983	339	30	,	,	PUNCT
cblr-9983	339	31	and	and	CCONJ
cblr-9983	339	32	$	$	SYM
cblr-9983	339	33	300,000	300,000	NUM
cblr-9983	339	34	of	of	ADP
cblr-9983	339	35	treasury	treasury	NOUN
cblr-9983	339	36	bills	bill	NOUN
cblr-9983	339	37	would	would	AUX
cblr-9983	339	38	be	be	AUX
cblr-9983	339	39	0	0	NUM
cblr-9983	339	40	.	.	PUNCT
cblr-9983	340	1	if	if	SCONJ
cblr-9983	340	2	that	that	DET
cblr-9983	340	3	percentage	percentage	NOUN
cblr-9983	340	4	were	be	AUX
cblr-9983	340	5	,	,	PUNCT
cblr-9983	340	6	say	say	INTJ
cblr-9983	340	7	,	,	PUNCT
cblr-9983	340	8	7	7	NUM
cblr-9983	340	9	%	%	NOUN
cblr-9983	340	10	,	,	PUNCT
cblr-9983	340	11	then	then	ADV
cblr-9983	340	12	the	the	DET
cblr-9983	340	13	minimum	minimum	ADJ
cblr-9983	340	14	level	level	NOUN
cblr-9983	340	15	of	of	ADP
cblr-9983	340	16	bank	bank	NOUN
cblr-9983	340	17	capital	capital	NOUN
cblr-9983	340	18	(	(	PUNCT
cblr-9983	340	19	basically	basically	ADV
cblr-9983	340	20	the	the	DET
cblr-9983	340	21	difference	difference	NOUN
cblr-9983	340	22	between	between	ADP
cblr-9983	340	23	the	the	DET
cblr-9983	340	24	value	value	NOUN
cblr-9983	340	25	of	of	ADP
cblr-9983	340	26	all	all	DET
cblr-9983	340	27	the	the	DET
cblr-9983	340	28	bank	bank	NOUN
cblr-9983	340	29	’s	’s	PART
cblr-9983	340	30	assets	asset	NOUN
cblr-9983	340	31	and	and	CCONJ
cblr-9983	340	32	all	all	PRON
cblr-9983	340	33	its	its	PRON
cblr-9983	340	34	liabilities	liability	NOUN
cblr-9983	340	35	)	)	PUNCT
cblr-9983	340	36	required	require	VERB
cblr-9983	340	37	for	for	ADP
cblr-9983	340	38	this	this	DET
cblr-9983	340	39	stylized	stylize	VERB
cblr-9983	340	40	balance	balance	NOUN
cblr-9983	340	41	sheet	sheet	NOUN
cblr-9983	340	42	would	would	AUX
cblr-9983	340	43	be	be	AUX
cblr-9983	340	44	$	$	SYM
cblr-9983	340	45	31,500	31,500	NUM
cblr-9983	340	46	(	(	PUNCT
cblr-9983	340	47	(	(	PUNCT
cblr-9983	340	48	$	$	SYM
cblr-9983	340	49	150,000	150,000	NUM
cblr-9983	340	50	+	+	CCONJ
cblr-9983	340	51	$	$	SYM
cblr-9983	340	52	300,000	300,000	NUM
cblr-9983	340	53	+	+	NUM
cblr-9983	340	54	0	0	NUM
cblr-9983	340	55	=	=	SYM
cblr-9983	340	56	$	$	SYM
cblr-9983	340	57	450,000	450,000	NUM
cblr-9983	340	58	)	)	PUNCT
cblr-9983	340	59	x	x	SYM
cblr-9983	340	60	.07	.07	NUM
cblr-9983	340	61	=	=	SYM
cblr-9983	340	62	$	$	SYM
cblr-9983	340	63	31,500	31,500	NUM
cblr-9983	340	64	)	)	PUNCT
cblr-9983	340	65	.	.	PUNCT
cblr-9983	341	1	50	50	NUM
cblr-9983	341	2	the	the	DET
cblr-9983	341	3	empirical	empirical	ADJ
cblr-9983	341	4	basis	basis	NOUN
cblr-9983	341	5	for	for	ADP
cblr-9983	341	6	the	the	DET
cblr-9983	341	7	first	first	ADJ
cblr-9983	341	8	minimum	minimum	ADJ
cblr-9983	341	9	risk	risk	NOUN
cblr-9983	341	10	-	-	PUNCT
cblr-9983	341	11	weighted	weight	VERB
cblr-9983	341	12	capital	capital	NOUN
cblr-9983	341	13	requirements	requirement	NOUN
cblr-9983	341	14	,	,	PUNCT
cblr-9983	341	15	as	as	SCONJ
cblr-9983	341	16	established	establish	VERB
cblr-9983	341	17	in	in	ADP
cblr-9983	341	18	1988	1988	NUM
cblr-9983	341	19	,	,	PUNCT
cblr-9983	341	20	is	be	AUX
cblr-9983	341	21	difficult	difficult	ADJ
cblr-9983	341	22	to	to	PART
cblr-9983	341	23	discern	discern	VERB
cblr-9983	341	24	.	.	PUNCT
cblr-9983	342	1	post	post	ADJ
cblr-9983	342	2	-	-	ADJ
cblr-9983	342	3	crisis	crisis	NOUN
cblr-9983	342	4	requirements	requirement	NOUN
cblr-9983	342	5	,	,	PUNCT
cblr-9983	342	6	on	on	ADP
cblr-9983	342	7	the	the	DET
cblr-9983	342	8	other	other	ADJ
cblr-9983	342	9	hand	hand	NOUN
cblr-9983	342	10	,	,	PUNCT
cblr-9983	342	11	were	be	AUX
cblr-9983	342	12	developed	develop	VERB
cblr-9983	342	13	after	after	SCONJ
cblr-9983	342	14	regulators	regulator	NOUN
cblr-9983	342	15	calculated	calculate	VERB
cblr-9983	342	16	losses	loss	NOUN
cblr-9983	342	17	actually	actually	ADV
cblr-9983	342	18	suffered	suffer	VERB
cblr-9983	342	19	by	by	ADP
cblr-9983	342	20	banks	bank	NOUN
cblr-9983	342	21	during	during	ADP
cblr-9983	342	22	the	the	DET
cblr-9983	342	23	crisis	crisis	NOUN
cblr-9983	342	24	period	period	NOUN
cblr-9983	342	25	.	.	PUNCT
cblr-9983	343	1	see	see	VERB
cblr-9983	343	2	beverly	beverly	ADV
cblr-9983	343	3	hirtle	hirtle	PROPN
cblr-9983	343	4	,	,	PUNCT
cblr-9983	343	5	how	how	SCONJ
cblr-9983	343	6	were	be	AUX
cblr-9983	343	7	the	the	DET
cblr-9983	343	8	basel	basel	PROPN
cblr-9983	343	9	3	3	NUM
cblr-9983	343	10	minimum	minimum	NOUN
cblr-9983	343	11	capital	capital	NOUN
cblr-9983	343	12	requirements	requirement	NOUN
cblr-9983	343	13	calibrated	calibrate	VERB
cblr-9983	343	14	?	?	PUNCT
cblr-9983	343	15	,	,	PUNCT
cblr-9983	343	16	fed	fed	PROPN
cblr-9983	343	17	.	.	PUNCT
cblr-9983	343	18	rsrv	rsrv	PROPN
cblr-9983	343	19	.	.	PUNCT
cblr-9983	344	1	bank	bank	PROPN
cblr-9983	344	2	of	of	ADP
cblr-9983	344	3	n.y	n.y	PROPN
cblr-9983	344	4	.	.	PROPN
cblr-9983	344	5	:	:	PUNCT
cblr-9983	345	1	liberty	liberty	PROPN
cblr-9983	345	2	st	st	PROPN
cblr-9983	345	3	.	.	PROPN
cblr-9983	345	4	econ	econ	PROPN
cblr-9983	345	5	.	.	PUNCT
cblr-9983	346	1	(	(	PUNCT
cblr-9983	346	2	mar	mar	PROPN
cblr-9983	346	3	.	.	PROPN
cblr-9983	346	4	28	28	NUM
cblr-9983	346	5	,	,	PUNCT
cblr-9983	346	6	2011	2011	NUM
cblr-9983	346	7	)	)	PUNCT
cblr-9983	346	8	,	,	PUNCT
cblr-9983	346	9	https://libertystreeteconomics.newyorkfederal	https://libertystreeteconomics.newyorkfederal	ADJ
cblr-9983	346	10	reserve.org/2011/03/calibrating-regulatory-minimum-capitalrequirements.html	reserve.org/2011/03/calibrating-regulatory-minimum-capitalrequirements.html	ADJ
cblr-9983	346	11	[	[	X
cblr-9983	346	12	https://perma.cc/9plq-7phy	https://perma.cc/9plq-7phy	NOUN
cblr-9983	346	13	]	]	X
cblr-9983	346	14	;	;	PUNCT
cblr-9983	346	15	basel	basel	PROPN
cblr-9983	346	16	comm	comm	NOUN
cblr-9983	346	17	.	.	PUNCT
cblr-9983	347	1	on	on	ADP
cblr-9983	347	2	banking	banking	NOUN
cblr-9983	347	3	supervision	supervision	NOUN
cblr-9983	347	4	,	,	PUNCT
cblr-9983	347	5	calibrating	calibrate	VERB
cblr-9983	347	6	regulatory	regulatory	ADJ
cblr-9983	347	7	minimum	minimum	ADJ
cblr-9983	347	8	capital	capital	NOUN
cblr-9983	347	9	no	no	INTJ
cblr-9983	347	10	.	.	PUNCT
cblr-9983	348	1	1:279	1:279	NOUN
cblr-9983	348	2	]	]	X
cblr-9983	348	3	bank	bank	NOUN
cblr-9983	348	4	supervision	supervision	NOUN
cblr-9983	348	5	and	and	CCONJ
cblr-9983	348	6	administrative	administrative	ADJ
cblr-9983	348	7	law	law	NOUN
cblr-9983	348	8	299	299	NUM
cblr-9983	348	9	are	be	AUX
cblr-9983	348	10	not	not	PART
cblr-9983	348	11	calibrated	calibrate	VERB
cblr-9983	348	12	to	to	PART
cblr-9983	348	13	cover	cover	VERB
cblr-9983	348	14	all	all	DET
cblr-9983	348	15	conceivable	conceivable	ADJ
cblr-9983	348	16	losses	loss	NOUN
cblr-9983	348	17	associated	associate	VERB
cblr-9983	348	18	with	with	ADP
cblr-9983	348	19	a	a	DET
cblr-9983	348	20	bank	bank	NOUN
cblr-9983	348	21	’s	’s	PART
cblr-9983	348	22	assets	asset	NOUN
cblr-9983	348	23	and	and	CCONJ
cblr-9983	348	24	activities	activity	NOUN
cblr-9983	348	25	,	,	PUNCT
cblr-9983	348	26	present	present	ADJ
cblr-9983	348	27	and	and	CCONJ
cblr-9983	348	28	future	future	ADJ
cblr-9983	348	29	.	.	PUNCT
cblr-9983	349	1	if	if	SCONJ
cblr-9983	349	2	a	a	DET
cblr-9983	349	3	bank	bank	NOUN
cblr-9983	349	4	is	be	AUX
cblr-9983	349	5	disproportionately	disproportionately	ADV
cblr-9983	349	6	making	make	VERB
cblr-9983	349	7	the	the	DET
cblr-9983	349	8	riskiest	risky	ADJ
cblr-9983	349	9	kinds	kind	NOUN
cblr-9983	349	10	of	of	ADP
cblr-9983	349	11	loans	loan	NOUN
cblr-9983	349	12	within	within	ADP
cblr-9983	349	13	various	various	ADJ
cblr-9983	349	14	asset	asset	NOUN
cblr-9983	349	15	categories	category	NOUN
cblr-9983	349	16	,	,	PUNCT
cblr-9983	349	17	which	which	PRON
cblr-9983	349	18	by	by	ADP
cblr-9983	349	19	assumption	assumption	NOUN
cblr-9983	349	20	will	will	AUX
cblr-9983	349	21	likely	likely	ADV
cblr-9983	349	22	result	result	VERB
cblr-9983	349	23	in	in	ADP
cblr-9983	349	24	losses	loss	NOUN
cblr-9983	349	25	well	well	ADV
cblr-9983	349	26	above	above	ADP
cblr-9983	349	27	historical	historical	ADJ
cblr-9983	349	28	norms	norm	NOUN
cblr-9983	349	29	for	for	ADP
cblr-9983	349	30	that	that	DET
cblr-9983	349	31	asset	asset	NOUN
cblr-9983	349	32	class	class	NOUN
cblr-9983	349	33	,	,	PUNCT
cblr-9983	349	34	then	then	ADV
cblr-9983	349	35	the	the	DET
cblr-9983	349	36	risk	risk	NOUN
cblr-9983	349	37	-	-	PUNCT
cblr-9983	349	38	weight	weight	NOUN
cblr-9983	349	39	assigned	assign	VERB
cblr-9983	349	40	to	to	ADP
cblr-9983	349	41	that	that	DET
cblr-9983	349	42	form	form	NOUN
cblr-9983	349	43	of	of	ADP
cblr-9983	349	44	loan	loan	NOUN
cblr-9983	349	45	in	in	ADP
cblr-9983	349	46	the	the	DET
cblr-9983	349	47	regulatory	regulatory	ADJ
cblr-9983	349	48	rule	rule	NOUN
cblr-9983	349	49	will	will	AUX
cblr-9983	349	50	not	not	PART
cblr-9983	349	51	be	be	AUX
cblr-9983	349	52	adequate	adequate	ADJ
cblr-9983	349	53	to	to	PART
cblr-9983	349	54	cover	cover	VERB
cblr-9983	349	55	the	the	DET
cblr-9983	349	56	losses	loss	NOUN
cblr-9983	349	57	that	that	PRON
cblr-9983	349	58	may	may	AUX
cblr-9983	349	59	result	result	VERB
cblr-9983	349	60	if	if	SCONJ
cblr-9983	349	61	the	the	DET
cblr-9983	349	62	asset	asset	NOUN
cblr-9983	349	63	class	class	NOUN
cblr-9983	349	64	is	be	AUX
cblr-9983	349	65	subject	subject	ADJ
cblr-9983	349	66	to	to	ADP
cblr-9983	349	67	an	an	DET
cblr-9983	349	68	unexpected	unexpected	ADJ
cblr-9983	349	69	shock.51	shock.51	NOUN
cblr-9983	349	70	here	here	ADV
cblr-9983	349	71	is	be	AUX
cblr-9983	349	72	where	where	SCONJ
cblr-9983	349	73	supervision	supervision	NOUN
cblr-9983	349	74	comes	come	VERB
cblr-9983	349	75	in	in	ADP
cblr-9983	349	76	,	,	PUNCT
cblr-9983	349	77	as	as	SCONJ
cblr-9983	349	78	explained	explain	VERB
cblr-9983	349	79	in	in	ADP
cblr-9983	349	80	the	the	DET
cblr-9983	349	81	next	next	ADJ
cblr-9983	349	82	section	section	NOUN
cblr-9983	349	83	.	.	PUNCT
cblr-9983	350	1	although	although	SCONJ
cblr-9983	350	2	the	the	DET
cblr-9983	350	3	expressed	express	VERB
cblr-9983	350	4	views	view	NOUN
cblr-9983	350	5	of	of	ADP
cblr-9983	350	6	supervisors	supervisor	NOUN
cblr-9983	350	7	as	as	ADP
cblr-9983	350	8	to	to	ADP
cblr-9983	350	9	how	how	SCONJ
cblr-9983	350	10	a	a	DET
cblr-9983	350	11	bank	bank	NOUN
cblr-9983	350	12	should	should	AUX
cblr-9983	350	13	alter	alter	VERB
cblr-9983	350	14	its	its	PRON
cblr-9983	350	15	practices	practice	NOUN
cblr-9983	350	16	are	be	AUX
cblr-9983	350	17	not	not	PART
cblr-9983	350	18	legally	legally	ADV
cblr-9983	350	19	binding	bind	VERB
cblr-9983	350	20	without	without	ADP
cblr-9983	350	21	some	some	DET
cblr-9983	350	22	type	type	NOUN
cblr-9983	350	23	of	of	ADP
cblr-9983	350	24	enforcement	enforcement	NOUN
cblr-9983	350	25	action	action	NOUN
cblr-9983	350	26	,	,	PUNCT
cblr-9983	350	27	they	they	PRON
cblr-9983	350	28	are	be	AUX
cblr-9983	350	29	usually	usually	ADV
cblr-9983	350	30	respected	respect	VERB
cblr-9983	350	31	to	to	ADP
cblr-9983	350	32	at	at	ADP
cblr-9983	350	33	least	least	ADJ
cblr-9983	350	34	some	some	DET
cblr-9983	350	35	degree.52	degree.52	ADJ
cblr-9983	350	36	while	while	SCONJ
cblr-9983	350	37	the	the	DET
cblr-9983	350	38	reasons	reason	NOUN
cblr-9983	350	39	for	for	ADP
cblr-9983	350	40	this	this	DET
cblr-9983	350	41	respect	respect	NOUN
cblr-9983	350	42	for	for	ADP
cblr-9983	350	43	non	non	ADJ
cblr-9983	350	44	-	-	ADJ
cblr-9983	350	45	binding	binding	ADJ
cblr-9983	350	46	direction	direction	NOUN
cblr-9983	350	47	are	be	AUX
cblr-9983	350	48	difficult	difficult	ADJ
cblr-9983	350	49	to	to	PART
cblr-9983	350	50	document	document	VERB
cblr-9983	350	51	,	,	PUNCT
cblr-9983	350	52	they	they	PRON
cblr-9983	350	53	seem	seem	VERB
cblr-9983	350	54	to	to	PART
cblr-9983	350	55	rest	rest	VERB
cblr-9983	350	56	on	on	ADP
cblr-9983	350	57	a	a	DET
cblr-9983	350	58	combination	combination	NOUN
cblr-9983	350	59	of	of	ADP
cblr-9983	350	60	three	three	NUM
cblr-9983	350	61	considerations	consideration	NOUN
cblr-9983	350	62	that	that	PRON
cblr-9983	350	63	may	may	AUX
cblr-9983	350	64	be	be	AUX
cblr-9983	350	65	more	more	ADV
cblr-9983	350	66	or	or	CCONJ
cblr-9983	350	67	less	less	ADV
cblr-9983	350	68	weighty	weighty	ADJ
cblr-9983	350	69	in	in	ADP
cblr-9983	350	70	particular	particular	ADJ
cblr-9983	350	71	instances	instance	NOUN
cblr-9983	350	72	.	.	PUNCT
cblr-9983	351	1	first	first	ADV
cblr-9983	351	2	is	be	AUX
cblr-9983	351	3	the	the	DET
cblr-9983	351	4	possibility	possibility	NOUN
cblr-9983	351	5	of	of	ADP
cblr-9983	351	6	significant	significant	ADJ
cblr-9983	351	7	adverse	adverse	ADJ
cblr-9983	351	8	legal	legal	ADJ
cblr-9983	351	9	consequences	consequence	NOUN
cblr-9983	351	10	if	if	SCONJ
cblr-9983	351	11	a	a	DET
cblr-9983	351	12	formal	formal	ADJ
cblr-9983	351	13	enforcement	enforcement	NOUN
cblr-9983	351	14	action	action	NOUN
cblr-9983	351	15	follows	follow	VERB
cblr-9983	351	16	the	the	DET
cblr-9983	351	17	failure	failure	NOUN
cblr-9983	351	18	of	of	ADP
cblr-9983	351	19	a	a	DET
cblr-9983	351	20	banking	banking	NOUN
cblr-9983	351	21	organization	organization	NOUN
cblr-9983	351	22	to	to	PART
cblr-9983	351	23	respond	respond	VERB
cblr-9983	351	24	to	to	ADP
cblr-9983	351	25	supervisory	supervisory	ADJ
cblr-9983	351	26	concerns	concern	NOUN
cblr-9983	351	27	.	.	PUNCT
cblr-9983	352	1	second	second	ADJ
cblr-9983	352	2	is	be	AUX
cblr-9983	352	3	the	the	DET
cblr-9983	352	4	potential	potential	NOUN
cblr-9983	352	5	for	for	ADP
cblr-9983	352	6	reputational	reputational	ADJ
cblr-9983	352	7	damage	damage	NOUN
cblr-9983	352	8	with	with	ADP
cblr-9983	352	9	customers	customer	NOUN
cblr-9983	352	10	,	,	PUNCT
cblr-9983	352	11	investors	investor	NOUN
cblr-9983	352	12	,	,	PUNCT
cblr-9983	352	13	and	and	CCONJ
cblr-9983	352	14	politicians	politician	NOUN
cblr-9983	352	15	that	that	PRON
cblr-9983	352	16	can	can	AUX
cblr-9983	352	17	accompany	accompany	VERB
cblr-9983	352	18	a	a	DET
cblr-9983	352	19	publicized	publicize	VERB
cblr-9983	352	20	dispute	dispute	NOUN
cblr-9983	352	21	with	with	ADP
cblr-9983	352	22	supervisors	supervisor	NOUN
cblr-9983	352	23	.	.	PUNCT
cblr-9983	353	1	third	third	ADJ
cblr-9983	353	2	,	,	PUNCT
cblr-9983	353	3	because	because	SCONJ
cblr-9983	353	4	the	the	DET
cblr-9983	353	5	bank	bank	NOUN
cblr-9983	353	6	-	-	PUNCT
cblr-9983	353	7	supervisor	supervisor	NOUN
cblr-9983	353	8	relationship	relationship	NOUN
cblr-9983	353	9	involves	involve	VERB
cblr-9983	353	10	repeated	repeat	VERB
cblr-9983	353	11	interaction	interaction	NOUN
cblr-9983	353	12	,	,	PUNCT
cblr-9983	353	13	bank	bank	NOUN
cblr-9983	353	14	management	management	NOUN
cblr-9983	353	15	will	will	AUX
cblr-9983	353	16	usually	usually	ADV
cblr-9983	353	17	want	want	VERB
cblr-9983	353	18	to	to	PART
cblr-9983	353	19	avoid	avoid	VERB
cblr-9983	353	20	getting	get	VERB
cblr-9983	353	21	on	on	ADP
cblr-9983	353	22	the	the	DET
cblr-9983	353	23	wrong	wrong	ADJ
cblr-9983	353	24	side	side	NOUN
cblr-9983	353	25	of	of	ADP
cblr-9983	353	26	its	its	PRON
cblr-9983	353	27	supervisors	supervisor	NOUN
cblr-9983	353	28	,	,	PUNCT
cblr-9983	353	29	even	even	ADV
cblr-9983	353	30	when	when	SCONJ
cblr-9983	353	31	the	the	DET
cblr-9983	353	32	supervisory	supervisory	ADJ
cblr-9983	353	33	direction	direction	NOUN
cblr-9983	353	34	pertains	pertain	VERB
cblr-9983	353	35	to	to	ADP
cblr-9983	353	36	minor	minor	ADJ
cblr-9983	353	37	matters	matter	NOUN
cblr-9983	353	38	.	.	PUNCT
cblr-9983	354	1	a	a	DET
cblr-9983	354	2	bad	bad	ADJ
cblr-9983	354	3	relationship	relationship	NOUN
cblr-9983	354	4	with	with	ADP
cblr-9983	354	5	supervisors	supervisor	NOUN
cblr-9983	354	6	can	can	AUX
cblr-9983	354	7	have	have	VERB
cblr-9983	354	8	a	a	DET
cblr-9983	354	9	number	number	NOUN
cblr-9983	354	10	of	of	ADP
cblr-9983	354	11	consequences	consequence	NOUN
cblr-9983	354	12	unfavorable	unfavorable	ADJ
cblr-9983	354	13	for	for	ADP
cblr-9983	354	14	the	the	DET
cblr-9983	354	15	bank	bank	NOUN
cblr-9983	354	16	,	,	PUNCT
cblr-9983	354	17	such	such	ADJ
cblr-9983	354	18	as	as	ADP
cblr-9983	354	19	more	more	ADV
cblr-9983	354	20	extended	extended	ADJ
cblr-9983	354	21	scrutiny	scrutiny	NOUN
cblr-9983	354	22	of	of	ADP
cblr-9983	354	23	bank	bank	NOUN
cblr-9983	354	24	operations	operation	NOUN
cblr-9983	354	25	,	,	PUNCT
cblr-9983	354	26	lower	low	ADJ
cblr-9983	354	27	supervisory	supervisory	ADJ
cblr-9983	354	28	ratings	rating	NOUN
cblr-9983	354	29	(	(	PUNCT
cblr-9983	354	30	which	which	DET
cblr-9983	354	31	themselves	themselves	PRON
cblr-9983	354	32	carry	carry	VERB
cblr-9983	354	33	consequences	consequence	NOUN
cblr-9983	354	34	)	)	PUNCT
cblr-9983	354	35	,	,	PUNCT
cblr-9983	354	36	or	or	CCONJ
cblr-9983	354	37	delays	delay	NOUN
cblr-9983	354	38	in	in	ADP
cblr-9983	354	39	approval	approval	NOUN
cblr-9983	354	40	of	of	ADP
cblr-9983	354	41	bank	bank	NOUN
cblr-9983	354	42	applications	application	NOUN
cblr-9983	354	43	for	for	ADP
cblr-9983	354	44	acquisitions	acquisition	NOUN
cblr-9983	354	45	or	or	CCONJ
cblr-9983	354	46	various	various	ADJ
cblr-9983	354	47	other	other	ADJ
cblr-9983	354	48	activities	activity	NOUN
cblr-9983	354	49	for	for	ADP
cblr-9983	354	50	which	which	PRON
cblr-9983	354	51	agency	agency	NOUN
cblr-9983	354	52	requirements	requirement	NOUN
cblr-9983	354	53	and	and	CCONJ
cblr-9983	354	54	capital	capital	NOUN
cblr-9983	354	55	buffers	buffer	NOUN
cblr-9983	354	56	:	:	PUNCT
cblr-9983	354	57	a	a	DET
cblr-9983	354	58	top	top	ADJ
cblr-9983	354	59	-	-	PUNCT
cblr-9983	354	60	down	down	ADP
cblr-9983	354	61	approach	approach	NOUN
cblr-9983	354	62	(	(	PUNCT
cblr-9983	354	63	2010	2010	NUM
cblr-9983	354	64	)	)	PUNCT
cblr-9983	354	65	,	,	PUNCT
cblr-9983	354	66	https://www.bis.org/publ/bcbs180.pdf	https://www.bis.org/publ/bcbs180.pdf	X
cblr-9983	355	1	[	[	X
cblr-9983	355	2	https://perma.cc/xc9a-fs7j	https://perma.cc/xc9a-fs7j	X
cblr-9983	355	3	]	]	PUNCT
cblr-9983	355	4	.	.	PUNCT
cblr-9983	356	1	51	51	NUM
cblr-9983	356	2	see	see	VERB
cblr-9983	356	3	tarullo	tarullo	NOUN
cblr-9983	356	4	,	,	PUNCT
cblr-9983	356	5	supra	supra	PROPN
cblr-9983	356	6	note	note	PROPN
cblr-9983	356	7	42	42	NUM
cblr-9983	356	8	,	,	PUNCT
cblr-9983	356	9	at	at	ADP
cblr-9983	356	10	80	80	NUM
cblr-9983	356	11	(	(	PUNCT
cblr-9983	356	12	describing	describe	VERB
cblr-9983	356	13	capital	capital	NOUN
cblr-9983	356	14	arbitrage	arbitrage	NOUN
cblr-9983	356	15	)	)	PUNCT
cblr-9983	356	16	.	.	PUNCT
cblr-9983	357	1	52	52	NUM
cblr-9983	357	2	knowledge	knowledge	NOUN
cblr-9983	357	3	of	of	ADP
cblr-9983	357	4	banks	bank	NOUN
cblr-9983	357	5	’	'	PUNCT
cblr-9983	357	6	reaction	reaction	NOUN
cblr-9983	357	7	to	to	ADP
cblr-9983	357	8	supervisory	supervisory	ADJ
cblr-9983	357	9	guidance	guidance	NOUN
cblr-9983	357	10	is	be	AUX
cblr-9983	357	11	based	base	VERB
cblr-9983	357	12	on	on	ADP
cblr-9983	357	13	the	the	DET
cblr-9983	357	14	author	author	NOUN
cblr-9983	357	15	’s	’s	PART
cblr-9983	357	16	personal	personal	ADJ
cblr-9983	357	17	experience	experience	NOUN
cblr-9983	357	18	working	work	VERB
cblr-9983	357	19	at	at	ADP
cblr-9983	357	20	the	the	DET
cblr-9983	357	21	federal	federal	PROPN
cblr-9983	357	22	reserve	reserve	PROPN
cblr-9983	357	23	.	.	PUNCT
cblr-9983	358	1	300	300	NUM
cblr-9983	358	2	columbia	columbia	PROPN
cblr-9983	358	3	business	business	NOUN
cblr-9983	358	4	law	law	PROPN
cblr-9983	358	5	review	review	NOUN
cblr-9983	358	6	[	[	X
cblr-9983	358	7	vol	vol	NOUN
cblr-9983	358	8	.	.	PUNCT
cblr-9983	359	1	2022	2022	NUM
cblr-9983	359	2	permission	permission	NOUN
cblr-9983	359	3	is	be	AUX
cblr-9983	359	4	required.53	required.53	VERB
cblr-9983	359	5	whether	whether	SCONJ
cblr-9983	359	6	or	or	CCONJ
cblr-9983	359	7	not	not	PART
cblr-9983	359	8	supervisory	supervisory	ADJ
cblr-9983	359	9	pronouncements	pronouncement	NOUN
cblr-9983	359	10	are	be	AUX
cblr-9983	359	11	“	"	PUNCT
cblr-9983	359	12	practically	practically	ADV
cblr-9983	359	13	binding	binding	ADJ
cblr-9983	359	14	”	"	PUNCT
cblr-9983	359	15	in	in	ADP
cblr-9983	359	16	the	the	DET
cblr-9983	359	17	sense	sense	NOUN
cblr-9983	359	18	that	that	SCONJ
cblr-9983	359	19	some	some	DET
cblr-9983	359	20	courts	court	NOUN
cblr-9983	359	21	and	and	CCONJ
cblr-9983	359	22	scholars	scholar	NOUN
cblr-9983	359	23	have	have	AUX
cblr-9983	359	24	used	use	VERB
cblr-9983	359	25	that	that	SCONJ
cblr-9983	359	26	term,54	term,54	NOUN
cblr-9983	359	27	they	they	PRON
cblr-9983	359	28	usually	usually	ADV
cblr-9983	359	29	influence	influence	VERB
cblr-9983	359	30	bank	bank	NOUN
cblr-9983	359	31	practices	practice	NOUN
cblr-9983	359	32	.	.	PUNCT
cblr-9983	360	1	still	still	ADV
cblr-9983	360	2	,	,	PUNCT
cblr-9983	360	3	banks	bank	NOUN
cblr-9983	360	4	will	will	AUX
cblr-9983	360	5	often	often	ADV
cblr-9983	360	6	question	question	VERB
cblr-9983	360	7	,	,	PUNCT
cblr-9983	360	8	sometimes	sometimes	ADV
cblr-9983	360	9	resist	resist	VERB
cblr-9983	360	10	,	,	PUNCT
cblr-9983	360	11	and	and	CCONJ
cblr-9983	360	12	occasionally	occasionally	ADV
cblr-9983	360	13	outright	outright	ADV
cblr-9983	360	14	ignore	ignore	VERB
cblr-9983	360	15	supervisory	supervisory	ADJ
cblr-9983	360	16	guidance	guidance	NOUN
cblr-9983	360	17	.	.	PUNCT
cblr-9983	361	1	it	it	PRON
cblr-9983	361	2	is	be	AUX
cblr-9983	361	3	worth	worth	ADJ
cblr-9983	361	4	noting	note	VERB
cblr-9983	361	5	that	that	SCONJ
cblr-9983	361	6	the	the	DET
cblr-9983	361	7	dynamics	dynamic	NOUN
cblr-9983	361	8	reflected	reflect	VERB
cblr-9983	361	9	in	in	ADP
cblr-9983	361	10	the	the	DET
cblr-9983	361	11	preceding	precede	VERB
cblr-9983	361	12	explanations	explanation	NOUN
cblr-9983	361	13	for	for	ADP
cblr-9983	361	14	bank	bank	NOUN
cblr-9983	361	15	compliance	compliance	NOUN
cblr-9983	361	16	with	with	ADP
cblr-9983	361	17	supervisory	supervisory	ADJ
cblr-9983	361	18	expectations	expectation	NOUN
cblr-9983	361	19	are	be	AUX
cblr-9983	361	20	in	in	ADP
cblr-9983	361	21	some	some	DET
cblr-9983	361	22	ways	way	NOUN
cblr-9983	361	23	preferable	preferable	ADJ
cblr-9983	361	24	for	for	ADP
cblr-9983	361	25	banks	bank	NOUN
cblr-9983	361	26	,	,	PUNCT
cblr-9983	361	27	relative	relative	ADJ
cblr-9983	361	28	to	to	ADP
cblr-9983	361	29	a	a	DET
cblr-9983	361	30	hypothetical	hypothetical	ADJ
cblr-9983	361	31	world	world	NOUN
cblr-9983	361	32	in	in	ADP
cblr-9983	361	33	which	which	PRON
cblr-9983	361	34	there	there	PRON
cblr-9983	361	35	was	be	VERB
cblr-9983	361	36	no	no	DET
cblr-9983	361	37	bank	bank	NOUN
cblr-9983	361	38	supervision	supervision	NOUN
cblr-9983	361	39	as	as	SCONJ
cblr-9983	361	40	we	we	PRON
cblr-9983	361	41	know	know	VERB
cblr-9983	361	42	it	it	PRON
cblr-9983	361	43	—	—	PUNCT
cblr-9983	361	44	only	only	ADV
cblr-9983	361	45	regulatory	regulatory	ADJ
cblr-9983	361	46	rules	rule	NOUN
cblr-9983	361	47	and	and	CCONJ
cblr-9983	361	48	enforcement.55	enforcement.55	NOUN
cblr-9983	361	49	the	the	DET
cblr-9983	361	50	supervisory	supervisory	ADJ
cblr-9983	361	51	process	process	NOUN
cblr-9983	361	52	can	can	AUX
cblr-9983	361	53	be	be	AUX
cblr-9983	361	54	an	an	DET
cblr-9983	361	55	efficient	efficient	ADJ
cblr-9983	361	56	way	way	NOUN
cblr-9983	361	57	to	to	PART
cblr-9983	361	58	clarify	clarify	VERB
cblr-9983	361	59	the	the	DET
cblr-9983	361	60	practices	practice	NOUN
cblr-9983	361	61	that	that	PRON
cblr-9983	361	62	supervisors	supervisor	NOUN
cblr-9983	361	63	will	will	AUX
cblr-9983	361	64	regard	regard	VERB
cblr-9983	361	65	as	as	ADP
cblr-9983	361	66	satisfactory	satisfactory	ADJ
cblr-9983	361	67	and	and	CCONJ
cblr-9983	361	68	thereby	thereby	ADV
cblr-9983	361	69	reduce	reduce	VERB
cblr-9983	361	70	regulatory	regulatory	ADJ
cblr-9983	361	71	uncertainty.56	uncertainty.56	NOUN
cblr-9983	361	72	it	it	PRON
cblr-9983	361	73	can	can	AUX
cblr-9983	361	74	also	also	ADV
cblr-9983	361	75	help	help	VERB
cblr-9983	361	76	banks	bank	NOUN
cblr-9983	361	77	head	head	VERB
cblr-9983	361	78	off	off	ADP
cblr-9983	361	79	problems	problem	NOUN
cblr-9983	361	80	that	that	PRON
cblr-9983	361	81	might	might	AUX
cblr-9983	361	82	develop	develop	VERB
cblr-9983	361	83	into	into	ADP
cblr-9983	361	84	the	the	DET
cblr-9983	361	85	objects	object	NOUN
cblr-9983	361	86	of	of	ADP
cblr-9983	361	87	enforcement	enforcement	NOUN
cblr-9983	361	88	actions	action	NOUN
cblr-9983	361	89	,	,	PUNCT
cblr-9983	361	90	with	with	ADP
cblr-9983	361	91	the	the	DET
cblr-9983	361	92	assurance	assurance	NOUN
cblr-9983	361	93	that	that	PRON
cblr-9983	361	94	no	no	DET
cblr-9983	361	95	formal	formal	ADJ
cblr-9983	361	96	enforcement	enforcement	NOUN
cblr-9983	361	97	action	action	NOUN
cblr-9983	361	98	will	will	AUX
cblr-9983	361	99	be	be	AUX
cblr-9983	361	100	forthcoming	forthcoming	ADJ
cblr-9983	361	101	as	as	ADV
cblr-9983	361	102	long	long	ADV
cblr-9983	361	103	as	as	SCONJ
cblr-9983	361	104	a	a	DET
cblr-9983	361	105	remediation	remediation	NOUN
cblr-9983	361	106	plan	plan	NOUN
cblr-9983	361	107	is	be	AUX
cblr-9983	361	108	well	well	ADV
cblr-9983	361	109	implemented.57	implemented.57	PROPN
cblr-9983	361	110	b.	b.	PROPN
cblr-9983	362	1	the	the	DET
cblr-9983	362	2	organization	organization	NOUN
cblr-9983	362	3	of	of	ADP
cblr-9983	362	4	bank	bank	PROPN
cblr-9983	362	5	supervision	supervision	NOUN
cblr-9983	362	6	the	the	DET
cblr-9983	362	7	specifics	specific	NOUN
cblr-9983	362	8	of	of	ADP
cblr-9983	362	9	supervisory	supervisory	ADJ
cblr-9983	362	10	organization	organization	NOUN
cblr-9983	362	11	and	and	CCONJ
cblr-9983	362	12	practice	practice	NOUN
cblr-9983	362	13	vary	vary	VERB
cblr-9983	362	14	somewhat	somewhat	ADV
cblr-9983	362	15	across	across	ADP
cblr-9983	362	16	the	the	DET
cblr-9983	362	17	three	three	NUM
cblr-9983	362	18	federal	federal	ADJ
cblr-9983	362	19	banking	banking	NOUN
cblr-9983	362	20	agencies	agency	NOUN
cblr-9983	362	21	,	,	PUNCT
cblr-9983	362	22	partly	partly	ADV
cblr-9983	362	23	because	because	SCONJ
cblr-9983	362	24	the	the	DET
cblr-9983	362	25	agencies	agency	NOUN
cblr-9983	362	26	have	have	VERB
cblr-9983	362	27	somewhat	somewhat	ADV
cblr-9983	362	28	different	different	ADJ
cblr-9983	362	29	responsibilities	responsibility	NOUN
cblr-9983	362	30	53	53	NUM
cblr-9983	362	31	as	as	SCONJ
cblr-9983	362	32	has	have	AUX
cblr-9983	362	33	been	be	AUX
cblr-9983	362	34	pointed	point	VERB
cblr-9983	362	35	out	out	ADP
cblr-9983	362	36	by	by	ADP
cblr-9983	362	37	those	those	PRON
cblr-9983	362	38	worried	worry	VERB
cblr-9983	362	39	about	about	ADP
cblr-9983	362	40	supervisors	supervisor	NOUN
cblr-9983	362	41	being	be	AUX
cblr-9983	362	42	too	too	ADV
cblr-9983	362	43	lax	lax	ADJ
cblr-9983	362	44	,	,	PUNCT
cblr-9983	362	45	the	the	DET
cblr-9983	362	46	fact	fact	NOUN
cblr-9983	362	47	of	of	ADP
cblr-9983	362	48	repeated	repeat	VERB
cblr-9983	362	49	interactions	interaction	NOUN
cblr-9983	362	50	can	can	AUX
cblr-9983	362	51	cut	cut	VERB
cblr-9983	362	52	in	in	ADP
cblr-9983	362	53	both	both	DET
cblr-9983	362	54	directions	direction	NOUN
cblr-9983	362	55	.	.	PUNCT
cblr-9983	363	1	a	a	DET
cblr-9983	363	2	dedicated	dedicated	ADJ
cblr-9983	363	3	supervisory	supervisory	ADJ
cblr-9983	363	4	team	team	NOUN
cblr-9983	363	5	at	at	ADP
cblr-9983	363	6	a	a	DET
cblr-9983	363	7	large	large	ADJ
cblr-9983	363	8	bank	bank	NOUN
cblr-9983	363	9	has	have	VERB
cblr-9983	363	10	at	at	ADP
cblr-9983	363	11	least	least	ADJ
cblr-9983	363	12	some	some	DET
cblr-9983	363	13	incentive	incentive	NOUN
cblr-9983	363	14	to	to	PART
cblr-9983	363	15	maintain	maintain	VERB
cblr-9983	363	16	a	a	DET
cblr-9983	363	17	smooth	smooth	ADJ
cblr-9983	363	18	relationship	relationship	NOUN
cblr-9983	363	19	with	with	ADP
cblr-9983	363	20	bank	bank	NOUN
cblr-9983	363	21	officials	official	NOUN
cblr-9983	363	22	so	so	SCONJ
cblr-9983	363	23	as	as	SCONJ
cblr-9983	363	24	to	to	PART
cblr-9983	363	25	facilitate	facilitate	VERB
cblr-9983	363	26	its	its	PRON
cblr-9983	363	27	access	access	NOUN
cblr-9983	363	28	to	to	ADP
cblr-9983	363	29	information	information	NOUN
cblr-9983	363	30	from	from	ADP
cblr-9983	363	31	the	the	DET
cblr-9983	363	32	bank	bank	NOUN
cblr-9983	363	33	.	.	PUNCT
cblr-9983	364	1	54	54	NUM
cblr-9983	364	2	see	see	VERB
cblr-9983	364	3	,	,	PUNCT
cblr-9983	364	4	e.g.	e.g.	ADV
cblr-9983	364	5	,	,	PUNCT
cblr-9983	364	6	gen	gen	PROPN
cblr-9983	364	7	.	.	PROPN
cblr-9983	364	8	elec	elec	PROPN
cblr-9983	364	9	.	.	PROPN
cblr-9983	364	10	co.	co.	PROPN
cblr-9983	364	11	v.	v.	ADP
cblr-9983	364	12	epa	epa	PROPN
cblr-9983	364	13	,	,	PUNCT
cblr-9983	364	14	290	290	NUM
cblr-9983	364	15	f.3d	f.3d	NUM
cblr-9983	364	16	377	377	NUM
cblr-9983	364	17	,	,	PUNCT
cblr-9983	364	18	383	383	NUM
cblr-9983	364	19	(	(	PUNCT
cblr-9983	364	20	d.c	d.c	PROPN
cblr-9983	364	21	.	.	PROPN
cblr-9983	364	22	cir	cir	PROPN
cblr-9983	364	23	.	.	PROPN
cblr-9983	364	24	2002	2002	NUM
cblr-9983	364	25	)	)	PUNCT
cblr-9983	364	26	;	;	PUNCT
cblr-9983	364	27	cass	cass	PROPN
cblr-9983	364	28	sunstein	sunstein	PROPN
cblr-9983	364	29	,	,	PUNCT
cblr-9983	364	30	“	"	PUNCT
cblr-9983	364	31	practically	practically	ADV
cblr-9983	364	32	binding	binding	ADJ
cblr-9983	364	33	”	"	PUNCT
cblr-9983	364	34	:	:	PUNCT
cblr-9983	364	35	general	general	ADJ
cblr-9983	364	36	policy	policy	NOUN
cblr-9983	364	37	statements	statement	NOUN
cblr-9983	364	38	and	and	CCONJ
cblr-9983	364	39	noticeand	noticeand	NOUN
cblr-9983	364	40	-	-	PUNCT
cblr-9983	364	41	comment	comment	NOUN
cblr-9983	364	42	rulemaking	rulemaking	NOUN
cblr-9983	364	43	,	,	PUNCT
cblr-9983	364	44	68	68	NUM
cblr-9983	364	45	admin	admin	PROPN
cblr-9983	364	46	l.	l.	PROPN
cblr-9983	364	47	rev.491	rev.491	PROPN
cblr-9983	364	48	(	(	PUNCT
cblr-9983	364	49	2016	2016	NUM
cblr-9983	364	50	)	)	PUNCT
cblr-9983	364	51	.	.	PUNCT
cblr-9983	365	1	55	55	NUM
cblr-9983	365	2	for	for	ADP
cblr-9983	365	3	a	a	DET
cblr-9983	365	4	discussion	discussion	NOUN
cblr-9983	365	5	of	of	ADP
cblr-9983	365	6	this	this	DET
cblr-9983	365	7	point	point	NOUN
cblr-9983	365	8	,	,	PUNCT
cblr-9983	365	9	see	see	VERB
cblr-9983	365	10	guidance	guidance	NOUN
cblr-9983	365	11	,	,	PUNCT
cblr-9983	365	12	supervisory	supervisory	ADJ
cblr-9983	365	13	expectations	expectation	NOUN
cblr-9983	365	14	,	,	PUNCT
cblr-9983	365	15	and	and	CCONJ
cblr-9983	365	16	the	the	DET
cblr-9983	365	17	rule	rule	NOUN
cblr-9983	365	18	of	of	ADP
cblr-9983	365	19	law	law	NOUN
cblr-9983	365	20	:	:	PUNCT
cblr-9983	365	21	how	how	SCONJ
cblr-9983	365	22	do	do	AUX
cblr-9983	365	23	the	the	DET
cblr-9983	365	24	banking	banking	NOUN
cblr-9983	365	25	agencies	agency	NOUN
cblr-9983	365	26	regulate	regulate	VERB
cblr-9983	365	27	and	and	CCONJ
cblr-9983	365	28	supervise	supervise	VERB
cblr-9983	365	29	institutions	institution	NOUN
cblr-9983	365	30	?	?	PUNCT
cblr-9983	365	31	:	:	PUNCT
cblr-9983	366	1	hearing	hear	VERB
cblr-9983	366	2	before	before	ADP
cblr-9983	366	3	the	the	DET
cblr-9983	366	4	s.	s.	PROPN
cblr-9983	366	5	comm	comm	NOUN
cblr-9983	366	6	.	.	PUNCT
cblr-9983	367	1	on	on	ADP
cblr-9983	367	2	banking	banking	NOUN
cblr-9983	367	3	,	,	PUNCT
cblr-9983	367	4	hous	hous	ADJ
cblr-9983	367	5	.	.	PUNCT
cblr-9983	367	6	,	,	PUNCT
cblr-9983	367	7	&	&	CCONJ
cblr-9983	367	8	urban	urban	PROPN
cblr-9983	367	9	aff	aff	PROPN
cblr-9983	367	10	.	.	PROPN
cblr-9983	367	11	,	,	PUNCT
cblr-9983	367	12	116th	116th	PROPN
cblr-9983	367	13	cong	cong	NOUN
cblr-9983	367	14	.	.	PUNCT
cblr-9983	368	1	48–50	48–50	NUM
cblr-9983	368	2	(	(	PUNCT
cblr-9983	368	3	2019	2019	NUM
cblr-9983	368	4	)	)	PUNCT
cblr-9983	368	5	(	(	PUNCT
cblr-9983	368	6	prepared	prepare	VERB
cblr-9983	368	7	statement	statement	NOUN
cblr-9983	368	8	of	of	ADP
cblr-9983	368	9	patricia	patricia	PROPN
cblr-9983	368	10	a.	a.	PROPN
cblr-9983	368	11	mccoy	mccoy	PROPN
cblr-9983	368	12	,	,	PUNCT
cblr-9983	368	13	professor	professor	NOUN
cblr-9983	368	14	of	of	ADP
cblr-9983	368	15	law	law	PROPN
cblr-9983	368	16	,	,	PUNCT
cblr-9983	368	17	b.c	b.c	PROPN
cblr-9983	368	18	.	.	PROPN
cblr-9983	368	19	l.	l.	PROPN
cblr-9983	368	20	sch	sch	PROPN
cblr-9983	368	21	.	.	PROPN
cblr-9983	368	22	)	)	PUNCT
cblr-9983	368	23	,	,	PUNCT
cblr-9983	368	24	https://www.banking.senate.gov/imo/media/doc/mccoy%20testimony%204	https://www.banking.senate.gov/imo/media/doc/mccoy%20testimony%204	PROPN
cblr-9983	368	25	-30	-30	PROPN
cblr-9983	368	26	-	-	PUNCT
cblr-9983	368	27	19.pdf	19.pdf	PROPN
cblr-9983	369	1	[	[	X
cblr-9983	369	2	https://perma.cc/s585-lfwz	https://perma.cc/s585-lfwz	X
cblr-9983	369	3	]	]	X
cblr-9983	369	4	.	.	PUNCT
cblr-9983	370	1	56	56	NUM
cblr-9983	370	2	see	see	VERB
cblr-9983	370	3	i	i	PRON
cblr-9983	370	4	d.	d.	PROPN
cblr-9983	370	5	at	at	ADP
cblr-9983	370	6	49	49	NUM
cblr-9983	370	7	.	.	PUNCT
cblr-9983	371	1	57	57	NUM
cblr-9983	371	2	see	see	VERB
cblr-9983	371	3	i	i	PRON
cblr-9983	371	4	d.	d.	PROPN
cblr-9983	371	5	no	no	INTJ
cblr-9983	371	6	.	.	PUNCT
cblr-9983	372	1	1:279	1:279	NOUN
cblr-9983	372	2	]	]	X
cblr-9983	372	3	bank	bank	NOUN
cblr-9983	372	4	supervision	supervision	NOUN
cblr-9983	372	5	and	and	CCONJ
cblr-9983	372	6	administrative	administrative	ADJ
cblr-9983	372	7	law	law	NOUN
cblr-9983	372	8	301	301	NUM
cblr-9983	372	9	and	and	CCONJ
cblr-9983	372	10	partly	partly	ADV
cblr-9983	372	11	because	because	SCONJ
cblr-9983	372	12	similar	similar	ADJ
cblr-9983	372	13	functions	function	NOUN
cblr-9983	372	14	rarely	rarely	ADV
cblr-9983	372	15	evolve	evolve	VERB
cblr-9983	372	16	identically	identically	ADV
cblr-9983	372	17	in	in	ADP
cblr-9983	372	18	separate	separate	ADJ
cblr-9983	372	19	agencies	agency	NOUN
cblr-9983	372	20	.	.	PUNCT
cblr-9983	373	1	for	for	ADP
cblr-9983	373	2	example	example	NOUN
cblr-9983	373	3	,	,	PUNCT
cblr-9983	373	4	while	while	SCONJ
cblr-9983	373	5	the	the	DET
cblr-9983	373	6	fdic	fdic	PROPN
cblr-9983	373	7	has	have	VERB
cblr-9983	373	8	backup	backup	ADJ
cblr-9983	373	9	supervisory	supervisory	ADJ
cblr-9983	373	10	authority	authority	NOUN
cblr-9983	373	11	for	for	ADP
cblr-9983	373	12	all	all	DET
cblr-9983	373	13	banks	bank	NOUN
cblr-9983	373	14	because	because	SCONJ
cblr-9983	373	15	of	of	ADP
cblr-9983	373	16	its	its	PRON
cblr-9983	373	17	status	status	NOUN
cblr-9983	373	18	as	as	ADP
cblr-9983	373	19	the	the	DET
cblr-9983	373	20	insurer	insurer	NOUN
cblr-9983	373	21	of	of	ADP
cblr-9983	373	22	bank	bank	NOUN
cblr-9983	373	23	deposits	deposit	NOUN
cblr-9983	373	24	and	and	CCONJ
cblr-9983	373	25	as	as	ADP
cblr-9983	373	26	the	the	DET
cblr-9983	373	27	potential	potential	ADJ
cblr-9983	373	28	resolution	resolution	NOUN
cblr-9983	373	29	authority	authority	NOUN
cblr-9983	373	30	for	for	ADP
cblr-9983	373	31	large	large	ADJ
cblr-9983	373	32	bank	bank	NOUN
cblr-9983	373	33	holding	hold	VERB
cblr-9983	373	34	companies	company	NOUN
cblr-9983	373	35	,	,	PUNCT
cblr-9983	373	36	it	it	PRON
cblr-9983	373	37	is	be	AUX
cblr-9983	373	38	the	the	DET
cblr-9983	373	39	primary	primary	ADJ
cblr-9983	373	40	federal	federal	ADJ
cblr-9983	373	41	regulator	regulator	NOUN
cblr-9983	373	42	only	only	ADV
cblr-9983	373	43	for	for	ADP
cblr-9983	373	44	banks	bank	NOUN
cblr-9983	373	45	that	that	PRON
cblr-9983	373	46	are	be	AUX
cblr-9983	373	47	state	state	NOUN
cblr-9983	373	48	-	-	PUNCT
cblr-9983	373	49	chartered	charter	VERB
cblr-9983	373	50	and	and	CCONJ
cblr-9983	373	51	not	not	PART
cblr-9983	373	52	members	member	NOUN
cblr-9983	373	53	of	of	ADP
cblr-9983	373	54	the	the	DET
cblr-9983	373	55	federal	federal	PROPN
cblr-9983	373	56	reserve	reserve	PROPN
cblr-9983	373	57	system.58	system.58	PROPN
cblr-9983	373	58	the	the	DET
cblr-9983	373	59	occ	occ	NOUN
cblr-9983	373	60	supervises	supervise	VERB
cblr-9983	373	61	all	all	DET
cblr-9983	373	62	nationally	nationally	ADV
cblr-9983	373	63	-	-	PUNCT
cblr-9983	373	64	chartered	charter	VERB
cblr-9983	373	65	depository	depository	NOUN
cblr-9983	373	66	institutions	institution	NOUN
cblr-9983	373	67	,	,	PUNCT
cblr-9983	373	68	which	which	PRON
cblr-9983	373	69	run	run	VERB
cblr-9983	373	70	the	the	DET
cblr-9983	373	71	gamut	gamut	NOUN
cblr-9983	373	72	from	from	ADP
cblr-9983	373	73	community	community	NOUN
cblr-9983	373	74	banks	bank	NOUN
cblr-9983	373	75	with	with	ADP
cblr-9983	373	76	less	less	ADJ
cblr-9983	373	77	than	than	ADP
cblr-9983	373	78	a	a	DET
cblr-9983	373	79	billion	billion	NUM
cblr-9983	373	80	dollars	dollar	NOUN
cblr-9983	373	81	in	in	ADP
cblr-9983	373	82	assets	asset	NOUN
cblr-9983	373	83	to	to	ADP
cblr-9983	373	84	the	the	DET
cblr-9983	373	85	commercial	commercial	ADJ
cblr-9983	373	86	bank	bank	NOUN
cblr-9983	373	87	subsidiaries	subsidiary	NOUN
cblr-9983	373	88	of	of	ADP
cblr-9983	373	89	the	the	DET
cblr-9983	373	90	four	four	NUM
cblr-9983	373	91	behemoths	behemoth	NOUN
cblr-9983	373	92	:	:	PUNCT
cblr-9983	373	93	j.p	j.p	PROPN
cblr-9983	373	94	.	.	PROPN
cblr-9983	373	95	morgan	morgan	PROPN
cblr-9983	373	96	chase	chase	PROPN
cblr-9983	373	97	bank	bank	PROPN
cblr-9983	373	98	,	,	PUNCT
cblr-9983	373	99	bank	bank	PROPN
cblr-9983	373	100	of	of	ADP
cblr-9983	373	101	america	america	PROPN
cblr-9983	373	102	,	,	PUNCT
cblr-9983	373	103	wells	wells	PROPN
cblr-9983	373	104	fargo	fargo	PROPN
cblr-9983	373	105	,	,	PUNCT
cblr-9983	373	106	and	and	CCONJ
cblr-9983	373	107	citibank	citibank	NOUN
cblr-9983	373	108	,	,	PUNCT
cblr-9983	373	109	each	each	PRON
cblr-9983	373	110	of	of	ADP
cblr-9983	373	111	which	which	PRON
cblr-9983	373	112	has	have	VERB
cblr-9983	373	113	assets	asset	NOUN
cblr-9983	373	114	of	of	ADP
cblr-9983	373	115	between	between	ADP
cblr-9983	373	116	$	$	SYM
cblr-9983	373	117	1.6	1.6	NUM
cblr-9983	373	118	and	and	CCONJ
cblr-9983	373	119	$	$	SYM
cblr-9983	373	120	3.3	3.3	NUM
cblr-9983	373	121	trillion.59	trillion.59	NOUN
cblr-9983	373	122	the	the	DET
cblr-9983	373	123	federal	federal	PROPN
cblr-9983	373	124	reserve	reserve	PROPN
cblr-9983	373	125	is	be	AUX
cblr-9983	373	126	the	the	DET
cblr-9983	373	127	primary	primary	ADJ
cblr-9983	373	128	federal	federal	ADJ
cblr-9983	373	129	regulator	regulator	NOUN
cblr-9983	373	130	of	of	ADP
cblr-9983	373	131	both	both	DET
cblr-9983	373	132	state	state	NOUN
cblr-9983	373	133	-	-	PUNCT
cblr-9983	373	134	chartered	charter	VERB
cblr-9983	373	135	banks	bank	NOUN
cblr-9983	373	136	that	that	PRON
cblr-9983	373	137	have	have	AUX
cblr-9983	373	138	joined	join	VERB
cblr-9983	373	139	the	the	DET
cblr-9983	373	140	federal	federal	PROPN
cblr-9983	373	141	reserve	reserve	NOUN
cblr-9983	373	142	system	system	NOUN
cblr-9983	373	143	and	and	CCONJ
cblr-9983	373	144	of	of	ADP
cblr-9983	373	145	the	the	DET
cblr-9983	373	146	holding	hold	VERB
cblr-9983	373	147	companies	company	NOUN
cblr-9983	373	148	of	of	ADP
cblr-9983	373	149	all	all	DET
cblr-9983	373	150	insured	insured	ADJ
cblr-9983	373	151	depository	depository	NOUN
cblr-9983	373	152	institutions	institution	NOUN
cblr-9983	373	153	.	.	PUNCT
cblr-9983	374	1	as	as	ADP
cblr-9983	374	2	consolidated	consolidated	ADJ
cblr-9983	374	3	regulator	regulator	NOUN
cblr-9983	374	4	,	,	PUNCT
cblr-9983	374	5	it	it	PRON
cblr-9983	374	6	has	have	VERB
cblr-9983	374	7	supervisory	supervisory	ADJ
cblr-9983	374	8	authority	authority	NOUN
cblr-9983	374	9	over	over	ADP
cblr-9983	374	10	the	the	DET
cblr-9983	374	11	holding	hold	VERB
cblr-9983	374	12	companies	company	NOUN
cblr-9983	374	13	that	that	PRON
cblr-9983	374	14	own	own	VERB
cblr-9983	374	15	ninety	ninety	NUM
cblr-9983	374	16	percent	percent	NOUN
cblr-9983	374	17	of	of	ADP
cblr-9983	374	18	all	all	DET
cblr-9983	374	19	insured	insured	ADJ
cblr-9983	374	20	depository	depository	NOUN
cblr-9983	374	21	institutions	institution	NOUN
cblr-9983	374	22	,	,	PUNCT
cblr-9983	374	23	including	include	VERB
cblr-9983	374	24	all	all	DET
cblr-9983	374	25	the	the	DET
cblr-9983	374	26	larger	large	ADJ
cblr-9983	374	27	ones	one	NOUN
cblr-9983	374	28	.	.	PUNCT
cblr-9983	375	1	most	most	ADJ
cblr-9983	375	2	smalland	smalland	VERB
cblr-9983	375	3	medium	medium	ADJ
cblr-9983	375	4	-	-	PUNCT
cblr-9983	375	5	sized	sized	ADJ
cblr-9983	375	6	banks	bank	NOUN
cblr-9983	375	7	with	with	ADP
cblr-9983	375	8	holding	hold	VERB
cblr-9983	375	9	companies	company	NOUN
cblr-9983	375	10	do	do	AUX
cblr-9983	375	11	not	not	PART
cblr-9983	375	12	have	have	VERB
cblr-9983	375	13	sizeable	sizeable	ADJ
cblr-9983	375	14	non	non	ADJ
cblr-9983	375	15	-	-	ADJ
cblr-9983	375	16	bank	bank	ADJ
cblr-9983	375	17	affiliates	affiliate	NOUN
cblr-9983	375	18	such	such	ADJ
cblr-9983	375	19	as	as	ADP
cblr-9983	375	20	broker	broker	NOUN
cblr-9983	375	21	-	-	PUNCT
cblr-9983	375	22	dealers.60	dealers.60	PROPN
cblr-9983	375	23	for	for	ADP
cblr-9983	375	24	these	these	DET
cblr-9983	375	25	institutions	institution	NOUN
cblr-9983	375	26	,	,	PUNCT
cblr-9983	375	27	the	the	DET
cblr-9983	375	28	federal	federal	PROPN
cblr-9983	375	29	reserve	reserve	PROPN
cblr-9983	375	30	usually	usually	ADV
cblr-9983	375	31	does	do	VERB
cblr-9983	375	32	little	little	ADJ
cblr-9983	375	33	additional	additional	ADJ
cblr-9983	375	34	supervision	supervision	NOUN
cblr-9983	375	35	at	at	ADP
cblr-9983	375	36	the	the	DET
cblr-9983	375	37	consolidated	consolidated	ADJ
cblr-9983	375	38	level	level	NOUN
cblr-9983	375	39	,	,	PUNCT
cblr-9983	375	40	relying	rely	VERB
cblr-9983	375	41	instead	instead	ADV
cblr-9983	375	42	upon	upon	SCONJ
cblr-9983	375	43	the	the	DET
cblr-9983	375	44	work	work	NOUN
cblr-9983	375	45	of	of	ADP
cblr-9983	375	46	the	the	DET
cblr-9983	375	47	occ	occ	PROPN
cblr-9983	375	48	or	or	CCONJ
cblr-9983	375	49	fdic	fdic	PROPN
cblr-9983	375	50	(	(	PUNCT
cblr-9983	375	51	or	or	CCONJ
cblr-9983	375	52	,	,	PUNCT
cblr-9983	375	53	for	for	ADP
cblr-9983	375	54	state	state	NOUN
cblr-9983	375	55	member	member	NOUN
cblr-9983	375	56	banks	bank	NOUN
cblr-9983	375	57	,	,	PUNCT
cblr-9983	375	58	its	its	PRON
cblr-9983	375	59	own	own	ADJ
cblr-9983	375	60	staff	staff	NOUN
cblr-9983	375	61	)	)	PUNCT
cblr-9983	375	62	in	in	ADP
cblr-9983	375	63	58	58	NUM
cblr-9983	375	64	as	as	ADP
cblr-9983	375	65	a	a	DET
cblr-9983	375	66	result	result	NOUN
cblr-9983	375	67	of	of	ADP
cblr-9983	375	68	the	the	DET
cblr-9983	375	69	2019	2019	NUM
cblr-9983	375	70	merger	merger	NOUN
cblr-9983	375	71	between	between	ADP
cblr-9983	375	72	bb&t	bb&t	PROPN
cblr-9983	375	73	and	and	CCONJ
cblr-9983	375	74	suntrust	suntrust	PROPN
cblr-9983	375	75	,	,	PUNCT
cblr-9983	375	76	the	the	DET
cblr-9983	375	77	resulting	result	VERB
cblr-9983	375	78	truist	truist	ADJ
cblr-9983	375	79	bank	bank	NOUN
cblr-9983	375	80	is	be	AUX
cblr-9983	375	81	by	by	ADP
cblr-9983	375	82	far	far	ADV
cblr-9983	375	83	the	the	DET
cblr-9983	375	84	largest	large	ADJ
cblr-9983	375	85	under	under	ADP
cblr-9983	375	86	fdic	fdic	PROPN
cblr-9983	375	87	supervision	supervision	NOUN
cblr-9983	375	88	,	,	PUNCT
cblr-9983	375	89	with	with	ADP
cblr-9983	375	90	assets	asset	NOUN
cblr-9983	375	91	in	in	ADP
cblr-9983	375	92	excess	excess	NOUN
cblr-9983	375	93	of	of	ADP
cblr-9983	375	94	$	$	SYM
cblr-9983	375	95	500	500	NUM
cblr-9983	375	96	billion	billion	NUM
cblr-9983	375	97	.	.	PUNCT
cblr-9983	376	1	see	see	VERB
cblr-9983	376	2	federal	federal	PROPN
cblr-9983	376	3	reserve	reserve	PROPN
cblr-9983	376	4	statistics	statistics	PROPN
cblr-9983	376	5	release	release	PROPN
cblr-9983	376	6	,	,	PUNCT
cblr-9983	376	7	large	large	ADJ
cblr-9983	376	8	commercial	commercial	ADJ
cblr-9983	376	9	banks	bank	NOUN
cblr-9983	376	10	,	,	PUNCT
cblr-9983	376	11	fed	fed	PROPN
cblr-9983	376	12	.	.	PUNCT
cblr-9983	376	13	rsrv	rsrv	PROPN
cblr-9983	376	14	.	.	PUNCT
cblr-9983	377	1	(	(	PUNCT
cblr-9983	377	2	dec	dec	PROPN
cblr-9983	377	3	.	.	PROPN
cblr-9983	377	4	31	31	NUM
cblr-9983	377	5	,	,	PUNCT
cblr-9983	377	6	2021	2021	NUM
cblr-9983	377	7	)	)	PUNCT
cblr-9983	377	8	,	,	PUNCT
cblr-9983	377	9	https://www.federalreserve.gov/releases/lbr/current/default.htm	https://www.federalreserve.gov/releases/lbr/current/default.htm	X
cblr-9983	378	1	[	[	X
cblr-9983	378	2	https://perma.cc/wfc6-tjju	https://perma.cc/wfc6-tjju	PROPN
cblr-9983	378	3	]	]	PUNCT
cblr-9983	378	4	.	.	PUNCT
cblr-9983	379	1	59	59	NUM
cblr-9983	379	2	see	see	VERB
cblr-9983	379	3	i	i	PRON
cblr-9983	379	4	d.	d.	PROPN
cblr-9983	379	5	60	60	NUM
cblr-9983	379	6	under	under	ADP
cblr-9983	379	7	the	the	DET
cblr-9983	379	8	bank	bank	NOUN
cblr-9983	379	9	holding	hold	VERB
cblr-9983	379	10	company	company	NOUN
cblr-9983	379	11	act	act	NOUN
cblr-9983	379	12	,	,	PUNCT
cblr-9983	379	13	an	an	DET
cblr-9983	379	14	insured	insure	VERB
cblr-9983	379	15	depository	depository	NOUN
cblr-9983	379	16	institution	institution	NOUN
cblr-9983	379	17	may	may	AUX
cblr-9983	379	18	generally	generally	ADV
cblr-9983	379	19	affiliate	affiliate	VERB
cblr-9983	379	20	with	with	ADP
cblr-9983	379	21	non	non	ADJ
cblr-9983	379	22	-	-	ADJ
cblr-9983	379	23	bank	bank	ADJ
cblr-9983	379	24	financial	financial	ADJ
cblr-9983	379	25	firms	firm	NOUN
cblr-9983	379	26	so	so	ADV
cblr-9983	379	27	long	long	ADV
cblr-9983	379	28	as	as	SCONJ
cblr-9983	379	29	they	they	PRON
cblr-9983	379	30	are	be	AUX
cblr-9983	379	31	separately	separately	ADV
cblr-9983	379	32	incorporated	incorporate	VERB
cblr-9983	379	33	within	within	ADP
cblr-9983	379	34	the	the	DET
cblr-9983	379	35	holding	hold	VERB
cblr-9983	379	36	company	company	NOUN
cblr-9983	379	37	and	and	CCONJ
cblr-9983	379	38	certain	certain	ADJ
cblr-9983	379	39	limitations	limitation	NOUN
cblr-9983	379	40	on	on	ADP
cblr-9983	379	41	transactions	transaction	NOUN
cblr-9983	379	42	between	between	ADP
cblr-9983	379	43	them	they	PRON
cblr-9983	379	44	are	be	AUX
cblr-9983	379	45	observed	observe	VERB
cblr-9983	379	46	.	.	PUNCT
cblr-9983	380	1	bank	bank	NOUN
cblr-9983	380	2	company	company	PROPN
cblr-9983	380	3	holding	hold	VERB
cblr-9983	380	4	act	act	NOUN
cblr-9983	380	5	of	of	ADP
cblr-9983	380	6	1956	1956	NUM
cblr-9983	380	7	,	,	PUNCT
cblr-9983	380	8	12	12	NUM
cblr-9983	380	9	u.s.c	u.s.c	ADJ
cblr-9983	380	10	.	.	PUNCT
cblr-9983	381	1	§	§	PROPN
cblr-9983	381	2	§	§	PROPN
cblr-9983	381	3	1842–1843	1842–1843	NUM
cblr-9983	381	4	(	(	PUNCT
cblr-9983	381	5	2018	2018	NUM
cblr-9983	381	6	)	)	PUNCT
cblr-9983	381	7	.	.	PUNCT
cblr-9983	382	1	302	302	NUM
cblr-9983	382	2	columbia	columbia	PROPN
cblr-9983	382	3	business	business	NOUN
cblr-9983	382	4	law	law	PROPN
cblr-9983	382	5	review	review	NOUN
cblr-9983	382	6	[	[	X
cblr-9983	382	7	vol	vol	NOUN
cblr-9983	382	8	.	.	PUNCT
cblr-9983	382	9	2022	2022	NUM
cblr-9983	382	10	supervising	supervise	VERB
cblr-9983	382	11	the	the	DET
cblr-9983	382	12	insured	insure	VERB
cblr-9983	382	13	depository	depository	NOUN
cblr-9983	382	14	institution	institution	NOUN
cblr-9983	382	15	that	that	PRON
cblr-9983	382	16	constitutes	constitute	VERB
cblr-9983	382	17	essentially	essentially	ADV
cblr-9983	382	18	all	all	DET
cblr-9983	382	19	the	the	DET
cblr-9983	382	20	activities	activity	NOUN
cblr-9983	382	21	of	of	ADP
cblr-9983	382	22	the	the	DET
cblr-9983	382	23	consolidated	consolidated	ADJ
cblr-9983	382	24	firm.61	firm.61	NOUN
cblr-9983	382	25	at	at	ADP
cblr-9983	382	26	the	the	DET
cblr-9983	382	27	other	other	ADJ
cblr-9983	382	28	end	end	NOUN
cblr-9983	382	29	of	of	ADP
cblr-9983	382	30	the	the	DET
cblr-9983	382	31	spectrum	spectrum	NOUN
cblr-9983	382	32	,	,	PUNCT
cblr-9983	382	33	most	most	ADJ
cblr-9983	382	34	of	of	ADP
cblr-9983	382	35	the	the	DET
cblr-9983	382	36	largest	large	ADJ
cblr-9983	382	37	banks	bank	NOUN
cblr-9983	382	38	have	have	VERB
cblr-9983	382	39	extensive	extensive	ADJ
cblr-9983	382	40	operations	operation	NOUN
cblr-9983	382	41	outside	outside	ADP
cblr-9983	382	42	their	their	PRON
cblr-9983	382	43	insured	insure	VERB
cblr-9983	382	44	depository	depository	NOUN
cblr-9983	382	45	institutions	institution	NOUN
cblr-9983	382	46	,	,	PUNCT
cblr-9983	382	47	including	include	VERB
cblr-9983	382	48	broker	broker	NOUN
cblr-9983	382	49	-	-	PUNCT
cblr-9983	382	50	dealers	dealer	NOUN
cblr-9983	382	51	,	,	PUNCT
cblr-9983	382	52	asset	asset	NOUN
cblr-9983	382	53	managers	manager	NOUN
cblr-9983	382	54	,	,	PUNCT
cblr-9983	382	55	commodities	commodity	NOUN
cblr-9983	382	56	brokers	broker	NOUN
cblr-9983	382	57	,	,	PUNCT
cblr-9983	382	58	wealth	wealth	NOUN
cblr-9983	382	59	management	management	NOUN
cblr-9983	382	60	units	unit	NOUN
cblr-9983	382	61	,	,	PUNCT
cblr-9983	382	62	and	and	CCONJ
cblr-9983	382	63	other	other	ADJ
cblr-9983	382	64	financial	financial	ADJ
cblr-9983	382	65	firms	firm	NOUN
cblr-9983	382	66	.	.	PUNCT
cblr-9983	383	1	as	as	SCONJ
cblr-9983	383	2	explained	explain	VERB
cblr-9983	383	3	below	below	ADV
cblr-9983	383	4	,	,	PUNCT
cblr-9983	383	5	the	the	DET
cblr-9983	383	6	federal	federal	PROPN
cblr-9983	383	7	reserve	reserve	PROPN
cblr-9983	383	8	has	have	VERB
cblr-9983	383	9	a	a	DET
cblr-9983	383	10	much	much	ADV
cblr-9983	383	11	different	different	ADJ
cblr-9983	383	12	and	and	CCONJ
cblr-9983	383	13	more	more	ADV
cblr-9983	383	14	elaborate	elaborate	ADJ
cblr-9983	383	15	supervisory	supervisory	ADJ
cblr-9983	383	16	structure	structure	NOUN
cblr-9983	383	17	for	for	ADP
cblr-9983	383	18	these	these	DET
cblr-9983	383	19	firms.62	firms.62	NOUN
cblr-9983	383	20	notwithstanding	notwithstanding	ADP
cblr-9983	383	21	the	the	DET
cblr-9983	383	22	variations	variation	NOUN
cblr-9983	383	23	alluded	allude	VERB
cblr-9983	383	24	to	to	ADP
cblr-9983	383	25	earlier	early	ADV
cblr-9983	383	26	,	,	PUNCT
cblr-9983	383	27	supervisory	supervisory	ADJ
cblr-9983	383	28	organization	organization	NOUN
cblr-9983	383	29	and	and	CCONJ
cblr-9983	383	30	practice	practice	NOUN
cblr-9983	383	31	across	across	ADP
cblr-9983	383	32	the	the	DET
cblr-9983	383	33	three	three	NUM
cblr-9983	383	34	banking	banking	NOUN
cblr-9983	383	35	agencies	agency	NOUN
cblr-9983	383	36	are	be	AUX
cblr-9983	383	37	similar	similar	ADJ
cblr-9983	383	38	in	in	ADP
cblr-9983	383	39	most	most	ADJ
cblr-9983	383	40	particulars	particular	NOUN
cblr-9983	383	41	that	that	PRON
cblr-9983	383	42	are	be	AUX
cblr-9983	383	43	relevant	relevant	ADJ
cblr-9983	383	44	for	for	ADP
cblr-9983	383	45	this	this	DET
cblr-9983	383	46	article	article	NOUN
cblr-9983	383	47	,	,	PUNCT
cblr-9983	383	48	except	except	SCONJ
cblr-9983	383	49	for	for	ADP
cblr-9983	383	50	the	the	DET
cblr-9983	383	51	federal	federal	PROPN
cblr-9983	383	52	reserve	reserve	PROPN
cblr-9983	383	53	’s	’s	PART
cblr-9983	383	54	oversight	oversight	NOUN
cblr-9983	383	55	of	of	ADP
cblr-9983	383	56	the	the	DET
cblr-9983	383	57	most	most	ADV
cblr-9983	383	58	significant	significant	ADJ
cblr-9983	383	59	holding	hold	VERB
cblr-9983	383	60	companies	company	NOUN
cblr-9983	383	61	.	.	PUNCT
cblr-9983	384	1	banks	bank	NOUN
cblr-9983	384	2	are	be	AUX
cblr-9983	384	3	grouped	group	VERB
cblr-9983	384	4	into	into	ADP
cblr-9983	384	5	supervisory	supervisory	ADJ
cblr-9983	384	6	portfolios	portfolio	NOUN
cblr-9983	384	7	based	base	VERB
cblr-9983	384	8	on	on	ADP
cblr-9983	384	9	size	size	NOUN
cblr-9983	384	10	and	and	CCONJ
cblr-9983	384	11	,	,	PUNCT
cblr-9983	384	12	to	to	ADP
cblr-9983	384	13	a	a	DET
cblr-9983	384	14	somewhat	somewhat	ADV
cblr-9983	384	15	lesser	less	ADJ
cblr-9983	384	16	degree	degree	NOUN
cblr-9983	384	17	,	,	PUNCT
cblr-9983	384	18	complexity.63	complexity.63	NOUN
cblr-9983	384	19	for	for	ADP
cblr-9983	384	20	the	the	DET
cblr-9983	384	21	largest	large	ADJ
cblr-9983	384	22	banks	bank	NOUN
cblr-9983	384	23	,	,	PUNCT
cblr-9983	384	24	the	the	DET
cblr-9983	384	25	agencies	agency	NOUN
cblr-9983	384	26	dedicate	dedicate	VERB
cblr-9983	384	27	a	a	DET
cblr-9983	384	28	team	team	NOUN
cblr-9983	384	29	of	of	ADP
cblr-9983	384	30	supervisors	supervisor	NOUN
cblr-9983	384	31	exclusively	exclusively	ADV
cblr-9983	384	32	to	to	ADP
cblr-9983	384	33	that	that	DET
cblr-9983	384	34	bank	bank	NOUN
cblr-9983	384	35	.	.	PUNCT
cblr-9983	385	1	they	they	PRON
cblr-9983	385	2	thus	thus	ADV
cblr-9983	385	3	have	have	VERB
cblr-9983	385	4	an	an	DET
cblr-9983	385	5	essentially	essentially	ADV
cblr-9983	385	6	ongoing	ongoing	ADJ
cblr-9983	385	7	presence	presence	NOUN
cblr-9983	385	8	at	at	ADP
cblr-9983	385	9	the	the	DET
cblr-9983	385	10	institution	institution	NOUN
cblr-9983	385	11	and	and	CCONJ
cblr-9983	385	12	engage	engage	VERB
cblr-9983	385	13	in	in	ADP
cblr-9983	385	14	“	"	PUNCT
cblr-9983	385	15	continuous	continuous	ADJ
cblr-9983	385	16	monitoring	monitoring	NOUN
cblr-9983	385	17	”	"	PUNCT
cblr-9983	385	18	of	of	ADP
cblr-9983	385	19	the	the	DET
cblr-9983	385	20	firm.64	firm.64	PROPN
cblr-9983	385	21	specialists	specialist	NOUN
cblr-9983	385	22	in	in	ADP
cblr-9983	385	23	various	various	ADJ
cblr-9983	385	24	risk	risk	NOUN
cblr-9983	385	25	topics	topic	NOUN
cblr-9983	385	26	,	,	PUNCT
cblr-9983	385	27	such	such	ADJ
cblr-9983	385	28	as	as	ADP
cblr-9983	385	29	credit	credit	NOUN
cblr-9983	385	30	,	,	PUNCT
cblr-9983	385	31	61	61	NUM
cblr-9983	385	32	bd	bd	NOUN
cblr-9983	385	33	.	.	PROPN
cblr-9983	385	34	of	of	ADP
cblr-9983	385	35	governors	governor	NOUN
cblr-9983	385	36	of	of	ADP
cblr-9983	385	37	the	the	DET
cblr-9983	385	38	fed	fed	PROPN
cblr-9983	385	39	.	.	PUNCT
cblr-9983	386	1	rsrv	rsrv	PROPN
cblr-9983	386	2	.	.	PUNCT
cblr-9983	387	1	sys	sys	PROPN
cblr-9983	387	2	.	.	PROPN
cblr-9983	387	3	,	,	PUNCT
cblr-9983	387	4	sr	sr	PROPN
cblr-9983	387	5	16	16	NUM
cblr-9983	387	6	-	-	SYM
cblr-9983	387	7	4	4	NUM
cblr-9983	387	8	,	,	PUNCT
cblr-9983	387	9	relying	rely	VERB
cblr-9983	387	10	on	on	ADP
cblr-9983	387	11	the	the	DET
cblr-9983	387	12	work	work	NOUN
cblr-9983	387	13	of	of	ADP
cblr-9983	387	14	the	the	DET
cblr-9983	387	15	regulators	regulator	NOUN
cblr-9983	387	16	of	of	ADP
cblr-9983	387	17	the	the	DET
cblr-9983	387	18	subsidiary	subsidiary	NOUN
cblr-9983	387	19	insured	insure	VERB
cblr-9983	387	20	depository	depository	NOUN
cblr-9983	387	21	institution(s	institution(s	PROPN
cblr-9983	387	22	)	)	PUNCT
cblr-9983	387	23	of	of	ADP
cblr-9983	387	24	bank	bank	NOUN
cblr-9983	387	25	holding	hold	VERB
cblr-9983	387	26	companies	company	NOUN
cblr-9983	387	27	and	and	CCONJ
cblr-9983	387	28	savings	saving	NOUN
cblr-9983	387	29	and	and	CCONJ
cblr-9983	387	30	loan	loan	NOUN
cblr-9983	387	31	holding	hold	VERB
cblr-9983	387	32	companies	company	NOUN
cblr-9983	387	33	with	with	ADP
cblr-9983	387	34	total	total	ADJ
cblr-9983	387	35	consolidated	consolidated	ADJ
cblr-9983	387	36	assets	asset	NOUN
cblr-9983	387	37	of	of	ADP
cblr-9983	387	38	less	less	ADJ
cblr-9983	387	39	than	than	ADP
cblr-9983	387	40	$	$	SYM
cblr-9983	387	41	50	50	NUM
cblr-9983	387	42	billion	billion	NUM
cblr-9983	387	43	(	(	PUNCT
cblr-9983	387	44	feb	feb	PROPN
cblr-9983	387	45	.	.	PROPN
cblr-9983	387	46	17	17	NUM
cblr-9983	387	47	,	,	PUNCT
cblr-9983	387	48	2021	2021	NUM
cblr-9983	387	49	)	)	PUNCT
cblr-9983	387	50	,	,	PUNCT
cblr-9983	387	51	https://www.federalreserve.gov/supervisionreg/srletters/sr1604.htm	https://www.federalreserve.gov/supervisionreg/srletters/sr1604.htm	PROPN
cblr-9983	388	1	[	[	X
cblr-9983	388	2	https://perma.cc/c999-qpvd	https://perma.cc/c999-qpvd	X
cblr-9983	388	3	]	]	X
cblr-9983	388	4	.	.	PUNCT
cblr-9983	389	1	62	62	NUM
cblr-9983	389	2	see	see	VERB
cblr-9983	389	3	supra	supra	PROPN
cblr-9983	389	4	notes	note	VERB
cblr-9983	389	5	99–104	99–104	PROPN
cblr-9983	389	6	and	and	CCONJ
cblr-9983	389	7	accompanying	accompany	VERB
cblr-9983	389	8	text	text	NOUN
cblr-9983	389	9	.	.	PUNCT
cblr-9983	390	1	63	63	NUM
cblr-9983	390	2	there	there	PRON
cblr-9983	390	3	are	be	VERB
cblr-9983	390	4	more	more	ADV
cblr-9983	390	5	formal	formal	ADJ
cblr-9983	390	6	divisions	division	NOUN
cblr-9983	390	7	of	of	ADP
cblr-9983	390	8	portfolios	portfolio	NOUN
cblr-9983	390	9	at	at	ADP
cblr-9983	390	10	the	the	DET
cblr-9983	390	11	occ	occ	PROPN
cblr-9983	390	12	and	and	CCONJ
cblr-9983	390	13	federal	federal	PROPN
cblr-9983	390	14	reserve	reserve	PROPN
cblr-9983	390	15	.	.	PUNCT
cblr-9983	391	1	the	the	DET
cblr-9983	391	2	occ	occ	NOUN
cblr-9983	391	3	has	have	VERB
cblr-9983	391	4	portfolios	portfolio	NOUN
cblr-9983	391	5	for	for	ADP
cblr-9983	391	6	large	large	ADJ
cblr-9983	391	7	banks	bank	NOUN
cblr-9983	391	8	,	,	PUNCT
cblr-9983	391	9	midsize	midsize	VERB
cblr-9983	391	10	banks	bank	NOUN
cblr-9983	391	11	,	,	PUNCT
cblr-9983	391	12	federal	federal	ADJ
cblr-9983	391	13	branches	branch	NOUN
cblr-9983	391	14	and	and	CCONJ
cblr-9983	391	15	agencies	agency	NOUN
cblr-9983	391	16	of	of	ADP
cblr-9983	391	17	foreign	foreign	ADJ
cblr-9983	391	18	banks	bank	NOUN
cblr-9983	391	19	,	,	PUNCT
cblr-9983	391	20	and	and	CCONJ
cblr-9983	391	21	community	community	NOUN
cblr-9983	391	22	banks	bank	NOUN
cblr-9983	391	23	.	.	PUNCT
cblr-9983	392	1	the	the	DET
cblr-9983	392	2	federal	federal	PROPN
cblr-9983	392	3	reserve	reserve	PROPN
cblr-9983	392	4	has	have	VERB
cblr-9983	392	5	portfolios	portfolio	NOUN
cblr-9983	392	6	for	for	ADP
cblr-9983	392	7	large	large	ADJ
cblr-9983	392	8	banks	bank	NOUN
cblr-9983	392	9	,	,	PUNCT
cblr-9983	392	10	foreign	foreign	ADJ
cblr-9983	392	11	banks	bank	NOUN
cblr-9983	392	12	,	,	PUNCT
cblr-9983	392	13	regional	regional	ADJ
cblr-9983	392	14	banks	bank	NOUN
cblr-9983	392	15	,	,	PUNCT
cblr-9983	392	16	and	and	CCONJ
cblr-9983	392	17	community	community	NOUN
cblr-9983	392	18	banks	bank	NOUN
cblr-9983	392	19	.	.	PUNCT
cblr-9983	393	1	the	the	DET
cblr-9983	393	2	federal	federal	PROPN
cblr-9983	393	3	reserve	reserve	PROPN
cblr-9983	393	4	also	also	ADV
cblr-9983	393	5	maintain	maintain	VERB
cblr-9983	393	6	a	a	DET
cblr-9983	393	7	special	special	ADJ
cblr-9983	393	8	portfolio	portfolio	NOUN
cblr-9983	393	9	for	for	ADP
cblr-9983	393	10	the	the	DET
cblr-9983	393	11	largest	large	ADJ
cblr-9983	393	12	,	,	PUNCT
cblr-9983	393	13	most	most	ADV
cblr-9983	393	14	systemically	systemically	ADV
cblr-9983	393	15	important	important	ADJ
cblr-9983	393	16	institutions	institution	NOUN
cblr-9983	393	17	.	.	PUNCT
cblr-9983	394	1	see	see	VERB
cblr-9983	394	2	supra	supra	PROPN
cblr-9983	394	3	note	note	PROPN
cblr-9983	394	4	96	96	NUM
cblr-9983	394	5	–	–	PUNCT
cblr-9983	394	6	104	104	NUM
cblr-9983	394	7	and	and	CCONJ
cblr-9983	394	8	accompanying	accompany	VERB
cblr-9983	394	9	text	text	NOUN
cblr-9983	394	10	.	.	PUNCT
cblr-9983	395	1	64	64	NUM
cblr-9983	395	2	“	"	PUNCT
cblr-9983	395	3	continuous	continuous	ADJ
cblr-9983	395	4	monitoring	monitoring	NOUN
cblr-9983	395	5	”	"	PUNCT
cblr-9983	395	6	is	be	AUX
cblr-9983	395	7	“	"	PUNCT
cblr-9983	395	8	intended	intend	VERB
cblr-9983	395	9	to	to	PART
cblr-9983	395	10	enable	enable	VERB
cblr-9983	395	11	each	each	DET
cblr-9983	395	12	firm	firm	ADJ
cblr-9983	395	13	-	-	PUNCT
cblr-9983	395	14	focused	focus	VERB
cblr-9983	395	15	supervisory	supervisory	ADJ
cblr-9983	395	16	team	team	NOUN
cblr-9983	395	17	to	to	PART
cblr-9983	395	18	‘	'	PUNCT
cblr-9983	395	19	develop	develop	VERB
cblr-9983	395	20	and	and	CCONJ
cblr-9983	395	21	maintain	maintain	VERB
cblr-9983	395	22	an	an	DET
cblr-9983	395	23	understanding	understanding	NOUN
cblr-9983	395	24	of	of	ADP
cblr-9983	395	25	the	the	DET
cblr-9983	395	26	organization	organization	NOUN
cblr-9983	395	27	,	,	PUNCT
cblr-9983	395	28	its	its	PRON
cblr-9983	395	29	risk	risk	NOUN
cblr-9983	395	30	profile	profile	NOUN
cblr-9983	395	31	,	,	PUNCT
cblr-9983	395	32	and	and	CCONJ
cblr-9983	395	33	associated	associated	ADJ
cblr-9983	395	34	policies	policy	NOUN
cblr-9983	395	35	and	and	CCONJ
cblr-9983	395	36	practices	practice	NOUN
cblr-9983	395	37	’	'	PUNCT
cblr-9983	395	38	.	.	PUNCT
cblr-9983	395	39	.	.	PUNCT
cblr-9983	396	1	.	.	PUNCT
cblr-9983	397	1	as	as	ADV
cblr-9983	397	2	well	well	ADV
cblr-9983	397	3	as	as	SCONJ
cblr-9983	397	4	to	to	PART
cblr-9983	397	5	identify	identify	VERB
cblr-9983	397	6	gaps	gap	NOUN
cblr-9983	397	7	or	or	CCONJ
cblr-9983	397	8	issues	issue	NOUN
cblr-9983	397	9	that	that	PRON
cblr-9983	397	10	might	might	AUX
cblr-9983	397	11	lead	lead	VERB
cblr-9983	397	12	the	the	DET
cblr-9983	397	13	team	team	NOUN
cblr-9983	397	14	to	to	PART
cblr-9983	397	15	do	do	VERB
cblr-9983	397	16	more	more	ADJ
cblr-9983	397	17	indepth	indepth	ADJ
cblr-9983	397	18	analysis	analysis	NOUN
cblr-9983	397	19	.	.	PUNCT
cblr-9983	397	20	”	"	PUNCT
cblr-9983	398	1	thomas	thomas	PROPN
cblr-9983	398	2	eisenbach	eisenbach	NOUN
cblr-9983	398	3	et	et	PROPN
cblr-9983	398	4	al	al	PROPN
cblr-9983	398	5	.	.	PROPN
cblr-9983	398	6	,	,	PUNCT
cblr-9983	398	7	fed	fed	PROPN
cblr-9983	398	8	.	.	PUNCT
cblr-9983	399	1	rsrv	rsrv	PROPN
cblr-9983	399	2	.	.	PUNCT
cblr-9983	400	1	bank	bank	PROPN
cblr-9983	400	2	of	of	ADP
cblr-9983	400	3	n.y	n.y	PROPN
cblr-9983	400	4	.	.	PROPN
cblr-9983	400	5	,	,	PUNCT
cblr-9983	400	6	supervising	supervise	VERB
cblr-9983	400	7	large	large	ADJ
cblr-9983	400	8	,	,	PUNCT
cblr-9983	400	9	complex	complex	ADJ
cblr-9983	400	10	financial	financial	ADJ
cblr-9983	400	11	institutions	institution	NOUN
cblr-9983	400	12	:	:	PUNCT
cblr-9983	400	13	what	what	PRON
cblr-9983	400	14	do	do	AUX
cblr-9983	400	15	supervisors	supervisor	NOUN
cblr-9983	400	16	do	do	VERB
cblr-9983	400	17	?	?	PUNCT
cblr-9983	401	1	(	(	PUNCT
cblr-9983	401	2	2015	2015	NUM
cblr-9983	401	3	)	)	PUNCT
cblr-9983	401	4	,	,	PUNCT
cblr-9983	401	5	no	no	INTJ
cblr-9983	401	6	.	.	PUNCT
cblr-9983	402	1	1:279	1:279	NOUN
cblr-9983	402	2	]	]	X
cblr-9983	402	3	bank	bank	NOUN
cblr-9983	402	4	supervision	supervision	NOUN
cblr-9983	402	5	and	and	CCONJ
cblr-9983	402	6	administrative	administrative	ADJ
cblr-9983	402	7	law	law	NOUN
cblr-9983	402	8	303	303	NUM
cblr-9983	402	9	market	market	NOUN
cblr-9983	402	10	,	,	PUNCT
cblr-9983	402	11	operational	operational	ADJ
cblr-9983	402	12	,	,	PUNCT
cblr-9983	402	13	compliance	compliance	NOUN
cblr-9983	402	14	,	,	PUNCT
cblr-9983	402	15	support	support	VERB
cblr-9983	402	16	the	the	DET
cblr-9983	402	17	dedicated	dedicated	ADJ
cblr-9983	402	18	teams	team	NOUN
cblr-9983	402	19	of	of	ADP
cblr-9983	402	20	supervisors	supervisor	NOUN
cblr-9983	402	21	.	.	PUNCT
cblr-9983	403	1	for	for	ADP
cblr-9983	403	2	mid	mid	ADJ
cblr-9983	403	3	-	-	ADJ
cblr-9983	403	4	sized	sized	ADJ
cblr-9983	403	5	and	and	CCONJ
cblr-9983	403	6	small	small	ADJ
cblr-9983	403	7	banks	bank	NOUN
cblr-9983	403	8	,	,	PUNCT
cblr-9983	403	9	there	there	PRON
cblr-9983	403	10	are	be	VERB
cblr-9983	403	11	no	no	DET
cblr-9983	403	12	dedicated	dedicated	ADJ
cblr-9983	403	13	teams	team	NOUN
cblr-9983	403	14	of	of	ADP
cblr-9983	403	15	supervisors	supervisor	NOUN
cblr-9983	403	16	.	.	PUNCT
cblr-9983	404	1	instead	instead	ADV
cblr-9983	404	2	,	,	PUNCT
cblr-9983	404	3	each	each	DET
cblr-9983	404	4	bank	bank	NOUN
cblr-9983	404	5	is	be	AUX
cblr-9983	404	6	subject	subject	ADJ
cblr-9983	404	7	to	to	ADP
cblr-9983	404	8	an	an	DET
cblr-9983	404	9	on	on	ADP
cblr-9983	404	10	-	-	PUNCT
cblr-9983	404	11	site	site	NOUN
cblr-9983	404	12	examination	examination	NOUN
cblr-9983	404	13	every	every	DET
cblr-9983	404	14	twelve	twelve	NUM
cblr-9983	404	15	or	or	CCONJ
cblr-9983	404	16	eighteen	eighteen	NUM
cblr-9983	404	17	months.65	months.65	PROPN
cblr-9983	404	18	banks	bank	NOUN
cblr-9983	404	19	of	of	ADP
cblr-9983	404	20	all	all	DET
cblr-9983	404	21	sizes	size	NOUN
cblr-9983	404	22	must	must	AUX
cblr-9983	404	23	file	file	VERB
cblr-9983	404	24	regular	regular	ADJ
cblr-9983	404	25	reports	report	NOUN
cblr-9983	404	26	with	with	ADP
cblr-9983	404	27	their	their	PRON
cblr-9983	404	28	supervisors	supervisor	NOUN
cblr-9983	404	29	,	,	PUNCT
cblr-9983	404	30	which	which	PRON
cblr-9983	404	31	form	form	VERB
cblr-9983	404	32	part	part	NOUN
cblr-9983	404	33	of	of	ADP
cblr-9983	404	34	the	the	DET
cblr-9983	404	35	basis	basis	NOUN
cblr-9983	404	36	for	for	ADP
cblr-9983	404	37	off	off	ADP
cblr-9983	404	38	-	-	PUNCT
cblr-9983	404	39	site	site	NOUN
cblr-9983	404	40	monitoring.66	monitoring.66	NOUN
cblr-9983	404	41	the	the	DET
cblr-9983	404	42	banking	banking	NOUN
cblr-9983	404	43	agencies	agency	NOUN
cblr-9983	404	44	also	also	ADV
cblr-9983	404	45	conduct	conduct	VERB
cblr-9983	404	46	targeted	targeted	ADJ
cblr-9983	404	47	exams	exam	NOUN
cblr-9983	404	48	,	,	PUNCT
cblr-9983	404	49	focusing	focus	VERB
cblr-9983	404	50	on	on	ADP
cblr-9983	404	51	a	a	DET
cblr-9983	404	52	particular	particular	ADJ
cblr-9983	404	53	form	form	NOUN
cblr-9983	404	54	of	of	ADP
cblr-9983	404	55	activity	activity	NOUN
cblr-9983	404	56	or	or	CCONJ
cblr-9983	404	57	risk	risk	NOUN
cblr-9983	404	58	,	,	PUNCT
cblr-9983	404	59	which	which	PRON
cblr-9983	404	60	may	may	AUX
cblr-9983	404	61	apply	apply	VERB
cblr-9983	404	62	to	to	ADP
cblr-9983	404	63	anything	anything	PRON
cblr-9983	404	64	from	from	ADP
cblr-9983	404	65	a	a	DET
cblr-9983	404	66	single	single	ADJ
cblr-9983	404	67	bank	bank	NOUN
cblr-9983	404	68	to	to	ADP
cblr-9983	404	69	a	a	DET
cblr-9983	404	70	whole	whole	ADJ
cblr-9983	404	71	portfolio	portfolio	NOUN
cblr-9983	404	72	of	of	ADP
cblr-9983	404	73	banks	bank	NOUN
cblr-9983	404	74	at	at	ADP
cblr-9983	404	75	one	one	NUM
cblr-9983	404	76	(	(	PUNCT
cblr-9983	404	77	or	or	CCONJ
cblr-9983	404	78	sometimes	sometimes	ADV
cblr-9983	404	79	all	all	DET
cblr-9983	404	80	three	three	NUM
cblr-9983	404	81	)	)	PUNCT
cblr-9983	404	82	of	of	ADP
cblr-9983	404	83	the	the	DET
cblr-9983	404	84	agencies.67	agencies.67	NOUN
cblr-9983	404	85	the	the	DET
cblr-9983	404	86	three	three	NUM
cblr-9983	404	87	federal	federal	ADJ
cblr-9983	404	88	banking	banking	NOUN
cblr-9983	404	89	agencies	agency	NOUN
cblr-9983	404	90	publish	publish	VERB
cblr-9983	404	91	detailed	detailed	ADJ
cblr-9983	404	92	manuals	manual	NOUN
cblr-9983	404	93	for	for	ADP
cblr-9983	404	94	use	use	NOUN
cblr-9983	404	95	by	by	ADP
cblr-9983	404	96	supervisors	supervisor	NOUN
cblr-9983	404	97	.	.	PUNCT
cblr-9983	405	1	these	these	DET
cblr-9983	405	2	manuals	manual	NOUN
cblr-9983	405	3	contain	contain	VERB
cblr-9983	405	4	an	an	DET
cblr-9983	405	5	explanation	explanation	NOUN
cblr-9983	405	6	of	of	ADP
cblr-9983	405	7	the	the	DET
cblr-9983	405	8	laws	law	NOUN
cblr-9983	405	9	and	and	CCONJ
cblr-9983	405	10	regulatory	regulatory	ADJ
cblr-9983	405	11	rules	rule	NOUN
cblr-9983	405	12	to	to	PART
cblr-9983	405	13	which	which	PRON
cblr-9983	405	14	the	the	DET
cblr-9983	405	15	banks	bank	NOUN
cblr-9983	405	16	are	be	AUX
cblr-9983	405	17	subject	subject	ADJ
cblr-9983	405	18	and	and	CCONJ
cblr-9983	405	19	often	often	ADV
cblr-9983	405	20	instruct	instruct	VERB
cblr-9983	405	21	supervisors	supervisor	NOUN
cblr-9983	405	22	on	on	ADP
cblr-9983	405	23	how	how	SCONJ
cblr-9983	405	24	to	to	PART
cblr-9983	405	25	check	check	VERB
cblr-9983	405	26	for	for	ADP
cblr-9983	405	27	compliance	compliance	NOUN
cblr-9983	405	28	with	with	ADP
cblr-9983	405	29	those	those	DET
cblr-9983	405	30	requirements.68	requirements.68	NOUN
cblr-9983	405	31	the	the	DET
cblr-9983	405	32	banking	banking	NOUN
cblr-9983	405	33	https://www.newyorkfed.org/medialibrary/media/research/epr/2017/epr_20	https://www.newyorkfed.org/medialibrary/media/research/epr/2017/epr_20	NOUN
cblr-9983	405	34	17_what-do-supervisors-do_eisenbach.pdf?la=en	17_what-do-supervisors-do_eisenbach.pdf?la=en	NUM
cblr-9983	405	35	.	.	PUNCT
cblr-9983	406	1	[	[	X
cblr-9983	406	2	https://perma.cc/u94y3kwb	https://perma.cc/u94y3kwb	X
cblr-9983	406	3	]	]	X
cblr-9983	406	4	.	.	PUNCT
cblr-9983	407	1	65	65	NUM
cblr-9983	407	2	banks	bank	NOUN
cblr-9983	407	3	with	with	ADP
cblr-9983	407	4	less	less	ADJ
cblr-9983	407	5	than	than	ADP
cblr-9983	407	6	$	$	SYM
cblr-9983	407	7	3	3	NUM
cblr-9983	407	8	billion	billion	NUM
cblr-9983	407	9	in	in	ADP
cblr-9983	407	10	assets	asset	NOUN
cblr-9983	407	11	that	that	PRON
cblr-9983	407	12	are	be	AUX
cblr-9983	407	13	well	well	ADV
cblr-9983	407	14	-	-	PUNCT
cblr-9983	407	15	capitalized	capitalize	VERB
cblr-9983	407	16	and	and	CCONJ
cblr-9983	407	17	well	well	ADV
cblr-9983	407	18	-	-	PUNCT
cblr-9983	407	19	managed	manage	VERB
cblr-9983	407	20	are	be	AUX
cblr-9983	407	21	eligible	eligible	ADJ
cblr-9983	407	22	for	for	ADP
cblr-9983	407	23	the	the	DET
cblr-9983	407	24	longer	long	ADJ
cblr-9983	407	25	eighteen	eighteen	NUM
cblr-9983	407	26	-	-	PUNCT
cblr-9983	407	27	month	month	NOUN
cblr-9983	407	28	examination	examination	NOUN
cblr-9983	407	29	cycle	cycle	NOUN
cblr-9983	407	30	.	.	PUNCT
cblr-9983	408	1	all	all	DET
cblr-9983	408	2	other	other	ADJ
cblr-9983	408	3	banks	bank	NOUN
cblr-9983	408	4	musts	must	NOUN
cblr-9983	408	5	be	be	AUX
cblr-9983	408	6	examined	examine	VERB
cblr-9983	408	7	every	every	DET
cblr-9983	408	8	twelve	twelve	NUM
cblr-9983	408	9	months	month	NOUN
cblr-9983	408	10	.	.	PUNCT
cblr-9983	409	1	12	12	NUM
cblr-9983	409	2	u.s.c	u.s.c	ADJ
cblr-9983	409	3	.	.	PUNCT
cblr-9983	410	1	§	§	PROPN
cblr-9983	410	2	1820(d	1820(d	NUM
cblr-9983	410	3	)	)	PUNCT
cblr-9983	410	4	.	.	PUNCT
cblr-9983	411	1	66	66	NUM
cblr-9983	411	2	see	see	VERB
cblr-9983	411	3	aaron	aaron	PROPN
cblr-9983	411	4	zabler	zabler	PROPN
cblr-9983	411	5	,	,	PUNCT
cblr-9983	411	6	safety	safety	NOUN
cblr-9983	411	7	and	and	CCONJ
cblr-9983	411	8	soundness	soundness	NOUN
cblr-9983	411	9	offsite	offsite	ADJ
cblr-9983	411	10	examination	examination	NOUN
cblr-9983	411	11	work	work	NOUN
cblr-9983	411	12	:	:	PUNCT
cblr-9983	411	13	safety	safety	NOUN
cblr-9983	411	14	and	and	CCONJ
cblr-9983	411	15	soundness	soundness	NOUN
cblr-9983	411	16	update	update	NOUN
cblr-9983	411	17	,	,	PUNCT
cblr-9983	411	18	fed	fed	PROPN
cblr-9983	411	19	.	.	PUNCT
cblr-9983	411	20	rsrv	rsrv	PROPN
cblr-9983	411	21	.	.	PUNCT
cblr-9983	412	1	bank	bank	PROPN
cblr-9983	412	2	of	of	ADP
cblr-9983	412	3	minneapolis	minneapolis	PROPN
cblr-9983	412	4	(	(	PUNCT
cblr-9983	412	5	sept	sept	PROPN
cblr-9983	412	6	.	.	PROPN
cblr-9983	412	7	15	15	NUM
cblr-9983	412	8	,	,	PUNCT
cblr-9983	412	9	2014	2014	NUM
cblr-9983	412	10	)	)	PUNCT
cblr-9983	413	1	,	,	PUNCT
cblr-9983	413	2	https://www.minneapolisfed.org/article/2014/safety-and-soundnessoffsite-examination-work	https://www.minneapolisfed.org/article/2014/safety-and-soundnessoffsite-examination-work	NOUN
cblr-9983	413	3	[	[	X
cblr-9983	413	4	https://perma.cc/ft4r-uh66	https://perma.cc/ft4r-uh66	X
cblr-9983	413	5	]	]	X
cblr-9983	413	6	.	.	PUNCT
cblr-9983	414	1	67	67	NUM
cblr-9983	414	2	one	one	NUM
cblr-9983	414	3	regular	regular	ADJ
cblr-9983	414	4	interagency	interagency	NOUN
cblr-9983	414	5	targeted	target	VERB
cblr-9983	414	6	exam	exam	NOUN
cblr-9983	414	7	is	be	AUX
cblr-9983	414	8	the	the	DET
cblr-9983	414	9	shared	share	VERB
cblr-9983	414	10	national	national	ADJ
cblr-9983	414	11	credits	credit	NOUN
cblr-9983	414	12	program	program	NOUN
cblr-9983	414	13	(	(	PUNCT
cblr-9983	414	14	snc	snc	PROPN
cblr-9983	414	15	)	)	PUNCT
cblr-9983	414	16	,	,	PUNCT
cblr-9983	414	17	whereby	whereby	SCONJ
cblr-9983	414	18	the	the	DET
cblr-9983	414	19	three	three	NUM
cblr-9983	414	20	banking	banking	NOUN
cblr-9983	414	21	agencies	agency	NOUN
cblr-9983	414	22	coordinate	coordinate	VERB
cblr-9983	414	23	in	in	ADP
cblr-9983	414	24	assessing	assess	VERB
cblr-9983	414	25	credit	credit	NOUN
cblr-9983	414	26	risk	risk	NOUN
cblr-9983	414	27	trends	trend	NOUN
cblr-9983	414	28	and	and	CCONJ
cblr-9983	414	29	risk	risk	NOUN
cblr-9983	414	30	management	management	NOUN
cblr-9983	414	31	practices	practice	NOUN
cblr-9983	414	32	associated	associate	VERB
cblr-9983	414	33	with	with	ADP
cblr-9983	414	34	the	the	DET
cblr-9983	414	35	largest	large	ADJ
cblr-9983	414	36	and	and	CCONJ
cblr-9983	414	37	most	most	ADV
cblr-9983	414	38	complex	complex	ADJ
cblr-9983	414	39	credits	credit	NOUN
cblr-9983	414	40	shared	share	VERB
cblr-9983	414	41	by	by	ADP
cblr-9983	414	42	multiple	multiple	ADJ
cblr-9983	414	43	regulated	regulated	ADJ
cblr-9983	414	44	financial	financial	ADJ
cblr-9983	414	45	institutions	institution	NOUN
cblr-9983	414	46	.	.	PUNCT
cblr-9983	415	1	for	for	ADP
cblr-9983	415	2	a	a	DET
cblr-9983	415	3	report	report	NOUN
cblr-9983	415	4	of	of	ADP
cblr-9983	415	5	the	the	DET
cblr-9983	415	6	outcome	outcome	NOUN
cblr-9983	415	7	of	of	ADP
cblr-9983	415	8	a	a	DET
cblr-9983	415	9	recent	recent	ADJ
cblr-9983	415	10	snc	snc	NOUN
cblr-9983	415	11	exercise	exercise	NOUN
cblr-9983	415	12	,	,	PUNCT
cblr-9983	415	13	see	see	VERB
cblr-9983	415	14	bd	bd	PROPN
cblr-9983	415	15	.	.	PROPN
cblr-9983	415	16	of	of	ADP
cblr-9983	415	17	governors	governor	NOUN
cblr-9983	415	18	of	of	ADP
cblr-9983	415	19	the	the	DET
cblr-9983	415	20	fed	fed	PROPN
cblr-9983	415	21	.	.	PUNCT
cblr-9983	415	22	rsrv	rsrv	PROPN
cblr-9983	415	23	.	.	PUNCT
cblr-9983	416	1	sys	sys	PROPN
cblr-9983	416	2	,	,	PUNCT
cblr-9983	416	3	fed	fed	PROPN
cblr-9983	416	4	.	.	PUNCT
cblr-9983	417	1	deposit	deposit	NOUN
cblr-9983	417	2	insr	insr	NOUN
cblr-9983	417	3	.	.	PUNCT
cblr-9983	418	1	corp	corp	PROPN
cblr-9983	418	2	.	.	PROPN
cblr-9983	418	3	&	&	CCONJ
cblr-9983	418	4	off	off	ADV
cblr-9983	418	5	.	.	PUNCT
cblr-9983	419	1	of	of	ADP
cblr-9983	419	2	the	the	DET
cblr-9983	419	3	comptroller	comptroller	NOUN
cblr-9983	419	4	of	of	ADP
cblr-9983	419	5	the	the	DET
cblr-9983	419	6	currency	currency	NOUN
cblr-9983	419	7	,	,	PUNCT
cblr-9983	419	8	shared	share	VERB
cblr-9983	419	9	national	national	ADJ
cblr-9983	419	10	credits	credit	NOUN
cblr-9983	419	11	program	program	NOUN
cblr-9983	419	12	:	:	PUNCT
cblr-9983	419	13	3rd	3rd	ADJ
cblr-9983	419	14	quarter	quarter	NOUN
cblr-9983	419	15	2016/1st	2016/1st	NUM
cblr-9983	419	16	quarter	quarter	NOUN
cblr-9983	419	17	2017	2017	NUM
cblr-9983	419	18	examinations	examination	NOUN
cblr-9983	419	19	(	(	PUNCT
cblr-9983	419	20	2017	2017	NUM
cblr-9983	419	21	)	)	PUNCT
cblr-9983	419	22	,	,	PUNCT
cblr-9983	419	23	https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20170	https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20170	PROPN
cblr-9983	419	24	802a1.pdf	802a1.pdf	NOUN
cblr-9983	419	25	.	.	PUNCT
cblr-9983	420	1	[	[	X
cblr-9983	420	2	https://perma.cc/4p69-jycv	https://perma.cc/4p69-jycv	X
cblr-9983	420	3	]	]	PUNCT
cblr-9983	420	4	.	.	PUNCT
cblr-9983	421	1	68	68	NUM
cblr-9983	421	2	see	see	VERB
cblr-9983	421	3	supervision	supervision	NOUN
cblr-9983	421	4	manuals	manual	NOUN
cblr-9983	421	5	,	,	PUNCT
cblr-9983	421	6	bd	bd	PROPN
cblr-9983	421	7	.	.	PROPN
cblr-9983	421	8	of	of	ADP
cblr-9983	421	9	governors	governor	NOUN
cblr-9983	421	10	of	of	ADP
cblr-9983	421	11	the	the	DET
cblr-9983	421	12	fed	fed	PROPN
cblr-9983	421	13	.	.	PUNCT
cblr-9983	421	14	rsrv	rsrv	PROPN
cblr-9983	421	15	.	.	PUNCT
cblr-9983	422	1	sys	sys	PROPN
cblr-9983	422	2	.	.	PUNCT
cblr-9983	423	1	(	(	PUNCT
cblr-9983	423	2	last	last	ADV
cblr-9983	423	3	updated	update	VERB
cblr-9983	423	4	nov	nov	PROPN
cblr-9983	423	5	.	.	PROPN
cblr-9983	423	6	30	30	NUM
cblr-9983	423	7	,	,	PUNCT
cblr-9983	423	8	2021	2021	NUM
cblr-9983	423	9	)	)	PUNCT
cblr-9983	423	10	,	,	PUNCT
cblr-9983	423	11	https://www.federalreserve.gov/publications/supmanual.htm	https://www.federalreserve.gov/publications/supmanual.htm	PROPN
cblr-9983	424	1	[	[	X
cblr-9983	424	2	https://perma.cc/c54q-7s9u	https://perma.cc/c54q-7s9u	NOUN
cblr-9983	424	3	]	]	PUNCT
cblr-9983	424	4	;	;	PUNCT
cblr-9983	424	5	comptroller	comptroller	NOUN
cblr-9983	424	6	’s	’s	PART
cblr-9983	424	7	handbook	handbook	NOUN
cblr-9983	424	8	,	,	PUNCT
cblr-9983	424	9	off	off	ADV
cblr-9983	424	10	.	.	PUNCT
cblr-9983	425	1	of	of	ADP
cblr-9983	425	2	the	the	DET
cblr-9983	425	3	comptroller	comptroller	NOUN
cblr-9983	425	4	of	of	ADP
cblr-9983	425	5	the	the	DET
cblr-9983	425	6	currency	currency	NOUN
cblr-9983	425	7	,	,	PUNCT
cblr-9983	425	8	occ.treas.gov/publications-andresources/publications/comptrollers-handbook/index-comptrollers	occ.treas.gov/publications-andresources/publications/comptrollers-handbook/index-comptroller	NOUN
cblr-9983	425	9	304	304	NUM
cblr-9983	425	10	columbia	columbia	PROPN
cblr-9983	425	11	business	business	NOUN
cblr-9983	425	12	law	law	PROPN
cblr-9983	425	13	review	review	NOUN
cblr-9983	425	14	[	[	X
cblr-9983	425	15	vol	vol	NOUN
cblr-9983	425	16	.	.	PUNCT
cblr-9983	426	1	2022	2022	NUM
cblr-9983	426	2	agencies	agency	NOUN
cblr-9983	426	3	also	also	ADV
cblr-9983	426	4	periodically	periodically	ADV
cblr-9983	426	5	publish	publish	VERB
cblr-9983	426	6	supervisory	supervisory	ADJ
cblr-9983	426	7	guidance,69	guidance,69	VERB
cblr-9983	426	8	which	which	PRON
cblr-9983	426	9	is	be	AUX
cblr-9983	426	10	frequently	frequently	ADV
cblr-9983	426	11	directed	direct	VERB
cblr-9983	426	12	to	to	ADP
cblr-9983	426	13	the	the	DET
cblr-9983	426	14	banks	bank	NOUN
cblr-9983	426	15	and	and	CCONJ
cblr-9983	426	16	the	the	DET
cblr-9983	426	17	field	field	NOUN
cblr-9983	426	18	personnel	personnel	NOUN
cblr-9983	426	19	supervising	supervise	VERB
cblr-9983	426	20	the	the	DET
cblr-9983	426	21	banks	bank	NOUN
cblr-9983	426	22	.	.	PUNCT
cblr-9983	427	1	guidance	guidance	NOUN
cblr-9983	427	2	can	can	AUX
cblr-9983	427	3	take	take	VERB
cblr-9983	427	4	different	different	ADJ
cblr-9983	427	5	forms	form	NOUN
cblr-9983	427	6	.	.	PUNCT
cblr-9983	428	1	it	it	PRON
cblr-9983	428	2	may	may	AUX
cblr-9983	428	3	specify	specify	VERB
cblr-9983	428	4	how	how	SCONJ
cblr-9983	428	5	supervisors	supervisor	NOUN
cblr-9983	428	6	are	be	AUX
cblr-9983	428	7	expected	expect	VERB
cblr-9983	428	8	to	to	PART
cblr-9983	428	9	monitor	monitor	VERB
cblr-9983	428	10	implementation	implementation	NOUN
cblr-9983	428	11	or	or	CCONJ
cblr-9983	428	12	compliance	compliance	NOUN
cblr-9983	428	13	by	by	ADP
cblr-9983	428	14	banks	bank	NOUN
cblr-9983	428	15	with	with	ADP
cblr-9983	428	16	applicable	applicable	ADJ
cblr-9983	428	17	regulations.70	regulations.70	NOUN
cblr-9983	428	18	it	it	PRON
cblr-9983	428	19	may	may	AUX
cblr-9983	428	20	also	also	ADV
cblr-9983	428	21	draw	draw	VERB
cblr-9983	428	22	attention	attention	NOUN
cblr-9983	428	23	to	to	ADP
cblr-9983	428	24	observed	observe	VERB
cblr-9983	428	25	trends	trend	NOUN
cblr-9983	428	26	in	in	ADP
cblr-9983	428	27	a	a	DET
cblr-9983	428	28	banking	banking	NOUN
cblr-9983	428	29	activity	activity	NOUN
cblr-9983	428	30	that	that	PRON
cblr-9983	428	31	raise	raise	VERB
cblr-9983	428	32	safety	safety	NOUN
cblr-9983	428	33	and	and	CCONJ
cblr-9983	428	34	soundness	soundness	NOUN
cblr-9983	428	35	concerns	concern	NOUN
cblr-9983	428	36	and	and	CCONJ
cblr-9983	428	37	indicate	indicate	VERB
cblr-9983	428	38	ways	way	NOUN
cblr-9983	428	39	in	in	ADP
cblr-9983	428	40	which	which	PRON
cblr-9983	428	41	potential	potential	ADJ
cblr-9983	428	42	risks	risk	NOUN
cblr-9983	428	43	might	might	AUX
cblr-9983	428	44	be	be	AUX
cblr-9983	428	45	avoided.71	avoided.71	NOUN
cblr-9983	428	46	handbook.html	handbook.html	X
cblr-9983	428	47	[	[	X
cblr-9983	428	48	https://perma.cc/u9vu-k785	https://perma.cc/u9vu-k785	X
cblr-9983	428	49	]	]	PUNCT
cblr-9983	428	50	(	(	PUNCT
cblr-9983	428	51	last	last	ADV
cblr-9983	428	52	visited	visit	VERB
cblr-9983	428	53	mar	mar	PROPN
cblr-9983	428	54	.	.	PROPN
cblr-9983	428	55	7	7	NUM
cblr-9983	428	56	,	,	PUNCT
cblr-9983	428	57	2022	2022	NUM
cblr-9983	428	58	)	)	PUNCT
cblr-9983	428	59	;	;	PUNCT
cblr-9983	428	60	consumer	consumer	NOUN
cblr-9983	428	61	compliance	compliance	NOUN
cblr-9983	428	62	examination	examination	NOUN
cblr-9983	428	63	manual	manual	NOUN
cblr-9983	428	64	,	,	PUNCT
cblr-9983	428	65	fed	fed	PROPN
cblr-9983	428	66	.	.	PUNCT
cblr-9983	429	1	deposit	deposit	PROPN
cblr-9983	429	2	ins	ins	PROPN
cblr-9983	429	3	.	.	PUNCT
cblr-9983	429	4	corp	corp	PROPN
cblr-9983	429	5	.	.	PROPN
cblr-9983	430	1	(	(	PUNCT
cblr-9983	430	2	last	last	ADJ
cblr-9983	430	3	updated	update	VERB
cblr-9983	430	4	aug	aug	PROPN
cblr-9983	430	5	.	.	PROPN
cblr-9983	430	6	16	16	NUM
cblr-9983	430	7	,	,	PUNCT
cblr-9983	430	8	2021	2021	NUM
cblr-9983	430	9	)	)	PUNCT
cblr-9983	430	10	,	,	PUNCT
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cblr-9983	431	1	[	[	X
cblr-9983	431	2	https://perma.cc/e92b-e766	https://perma.cc/e92b-e766	X
cblr-9983	431	3	]	]	X
cblr-9983	431	4	.	.	PUNCT
cblr-9983	432	1	69	69	NUM
cblr-9983	433	1	the	the	DET
cblr-9983	433	2	banking	banking	NOUN
cblr-9983	433	3	agencies	agency	NOUN
cblr-9983	433	4	publish	publish	VERB
cblr-9983	433	5	their	their	PRON
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cblr-9983	433	7	under	under	ADP
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cblr-9983	433	9	headings	heading	NOUN
cblr-9983	433	10	.	.	PUNCT
cblr-9983	434	1	the	the	DET
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cblr-9983	434	3	reserve	reserve	PROPN
cblr-9983	434	4	has	have	VERB
cblr-9983	434	5	a	a	DET
cblr-9983	434	6	special	special	ADJ
cblr-9983	434	7	publication	publication	NOUN
cblr-9983	434	8	series	series	NOUN
cblr-9983	434	9	,	,	PUNCT
cblr-9983	434	10	“	"	PUNCT
cblr-9983	434	11	supervision	supervision	NOUN
cblr-9983	434	12	and	and	CCONJ
cblr-9983	434	13	regulation	regulation	NOUN
cblr-9983	434	14	letters	letter	NOUN
cblr-9983	434	15	”	"	PUNCT
cblr-9983	434	16	(	(	PUNCT
cblr-9983	434	17	referred	refer	VERB
cblr-9983	434	18	to	to	ADP
cblr-9983	434	19	as	as	ADP
cblr-9983	434	20	“	"	PUNCT
cblr-9983	434	21	sr	sr	PROPN
cblr-9983	434	22	letters	letter	NOUN
cblr-9983	434	23	”	"	PUNCT
cblr-9983	434	24	)	)	PUNCT
cblr-9983	434	25	.	.	PUNCT
cblr-9983	435	1	see	see	VERB
cblr-9983	435	2	supervision	supervision	NOUN
cblr-9983	435	3	and	and	CCONJ
cblr-9983	435	4	regulation	regulation	NOUN
cblr-9983	435	5	letters	letter	NOUN
cblr-9983	435	6	,	,	PUNCT
cblr-9983	435	7	bd	bd	PROPN
cblr-9983	435	8	.	.	PROPN
cblr-9983	435	9	of	of	ADP
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cblr-9983	435	11	of	of	ADP
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cblr-9983	435	14	.	.	PUNCT
cblr-9983	436	1	rsrv	rsrv	PROPN
cblr-9983	436	2	.	.	PUNCT
cblr-9983	437	1	sys	sys	PROPN
cblr-9983	437	2	.	.	PUNCT
cblr-9983	438	1	(	(	PUNCT
cblr-9983	438	2	last	last	ADV
cblr-9983	438	3	updated	update	VERB
cblr-9983	438	4	nov	nov	PROPN
cblr-9983	438	5	.	.	PROPN
cblr-9983	438	6	2	2	NUM
cblr-9983	438	7	,	,	PUNCT
cblr-9983	438	8	2020	2020	NUM
cblr-9983	438	9	)	)	PUNCT
cblr-9983	438	10	,	,	PUNCT
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cblr-9983	438	12	[	[	X
cblr-9983	438	13	https://perma.cc/ax4z-qhbp	https://perma.cc/ax4z-qhbp	ADP
cblr-9983	438	14	]	]	PUNCT
cblr-9983	438	15	.	.	PUNCT
cblr-9983	439	1	the	the	DET
cblr-9983	439	2	occ	occ	NOUN
cblr-9983	439	3	and	and	CCONJ
cblr-9983	439	4	the	the	DET
cblr-9983	439	5	fdic	fdic	PROPN
cblr-9983	439	6	release	release	VERB
cblr-9983	439	7	their	their	PRON
cblr-9983	439	8	supervisory	supervisory	ADJ
cblr-9983	439	9	guidance	guidance	NOUN
cblr-9983	439	10	in	in	ADP
cblr-9983	439	11	publication	publication	NOUN
cblr-9983	439	12	series	series	NOUN
cblr-9983	439	13	that	that	PRON
cblr-9983	439	14	contain	contain	VERB
cblr-9983	439	15	other	other	ADJ
cblr-9983	439	16	information	information	NOUN
cblr-9983	439	17	of	of	ADP
cblr-9983	439	18	interest	interest	NOUN
cblr-9983	439	19	to	to	ADP
cblr-9983	439	20	banks	bank	NOUN
cblr-9983	439	21	(	(	PUNCT
cblr-9983	439	22	e.g.	e.g.	ADV
cblr-9983	439	23	,	,	PUNCT
cblr-9983	439	24	proposed	propose	VERB
cblr-9983	439	25	or	or	CCONJ
cblr-9983	439	26	final	final	ADJ
cblr-9983	439	27	regulations	regulation	NOUN
cblr-9983	439	28	,	,	PUNCT
cblr-9983	439	29	notices	notice	NOUN
cblr-9983	439	30	of	of	ADP
cblr-9983	439	31	changes	change	NOUN
cblr-9983	439	32	in	in	ADP
cblr-9983	439	33	organization	organization	NOUN
cblr-9983	439	34	)	)	PUNCT
cblr-9983	439	35	,	,	PUNCT
cblr-9983	439	36	labelled	label	VERB
cblr-9983	439	37	“	"	PUNCT
cblr-9983	439	38	occ	occ	NOUN
cblr-9983	439	39	bulletins	bulletin	NOUN
cblr-9983	439	40	”	"	PUNCT
cblr-9983	439	41	and	and	CCONJ
cblr-9983	439	42	“	"	PUNCT
cblr-9983	439	43	financial	financial	ADJ
cblr-9983	439	44	institution	institution	NOUN
cblr-9983	439	45	letters	letter	NOUN
cblr-9983	439	46	,	,	PUNCT
cblr-9983	439	47	”	"	PUNCT
cblr-9983	439	48	respectively	respectively	ADV
cblr-9983	439	49	.	.	PUNCT
cblr-9983	440	1	see	see	VERB
cblr-9983	440	2	weekly	weekly	ADJ
cblr-9983	440	3	bulletin	bulletin	NOUN
cblr-9983	440	4	,	,	PUNCT
cblr-9983	440	5	off	off	ADV
cblr-9983	440	6	.	.	PUNCT
cblr-9983	441	1	of	of	ADP
cblr-9983	441	2	the	the	DET
cblr-9983	441	3	comptroller	comptroller	NOUN
cblr-9983	441	4	of	of	ADP
cblr-9983	441	5	the	the	DET
cblr-9983	441	6	currency	currency	NOUN
cblr-9983	441	7	,	,	PUNCT
cblr-9983	442	1	https://www.occ.gov/topics/charters-and-licensing/weeklybulletin/index-weekly-bulletin.html	https://www.occ.gov/topics/charters-and-licensing/weeklybulletin/index-weekly-bulletin.html	X
cblr-9983	442	2	[	[	X
cblr-9983	442	3	https://perma.cc/3cts-aj4s	https://perma.cc/3cts-aj4s	NOUN
cblr-9983	442	4	]	]	X
cblr-9983	442	5	;	;	PUNCT
cblr-9983	442	6	financial	financial	ADJ
cblr-9983	442	7	institution	institution	NOUN
cblr-9983	442	8	letters	letter	NOUN
cblr-9983	442	9	,	,	PUNCT
cblr-9983	442	10	fed	fed	PROPN
cblr-9983	442	11	.	.	PUNCT
cblr-9983	443	1	deposit	deposit	PROPN
cblr-9983	443	2	ins	ins	PROPN
cblr-9983	443	3	.	.	PUNCT
cblr-9983	443	4	corp	corp	PROPN
cblr-9983	443	5	.	.	PROPN
cblr-9983	443	6	,	,	PUNCT
cblr-9983	443	7	https://www.fdic.gov/news/financial-institution-letters/index.html	https://www.fdic.gov/news/financial-institution-letters/index.html	PROPN
cblr-9983	444	1	[	[	X
cblr-9983	444	2	https://perma.cc/gvx5-p6ks	https://perma.cc/gvx5-p6ks	X
cblr-9983	444	3	]	]	X
cblr-9983	444	4	.	.	PUNCT
cblr-9983	445	1	70	70	NUM
cblr-9983	445	2	for	for	ADP
cblr-9983	445	3	an	an	DET
cblr-9983	445	4	example	example	NOUN
cblr-9983	445	5	of	of	ADP
cblr-9983	445	6	guidance	guidance	NOUN
cblr-9983	445	7	on	on	ADP
cblr-9983	445	8	how	how	SCONJ
cblr-9983	445	9	supervisors	supervisor	NOUN
cblr-9983	445	10	are	be	AUX
cblr-9983	445	11	expected	expect	VERB
cblr-9983	445	12	to	to	PART
cblr-9983	445	13	monitor	monitor	VERB
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cblr-9983	445	15	,	,	PUNCT
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cblr-9983	445	17	bd	bd	PROPN
cblr-9983	445	18	.	.	PROPN
cblr-9983	445	19	of	of	ADP
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cblr-9983	445	21	of	of	ADP
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cblr-9983	445	23	fed	fed	PROPN
cblr-9983	445	24	.	.	PUNCT
cblr-9983	446	1	rsrv	rsrv	PROPN
cblr-9983	446	2	.	.	PUNCT
cblr-9983	447	1	sys	sys	PROPN
cblr-9983	447	2	.	.	PROPN
cblr-9983	447	3	,	,	PUNCT
cblr-9983	447	4	sr	sr	PROPN
cblr-9983	447	5	144	144	NUM
cblr-9983	447	6	,	,	PUNCT
cblr-9983	447	7	examiner	examiner	NOUN
cblr-9983	447	8	loan	loan	NOUN
cblr-9983	447	9	sampling	sampling	NOUN
cblr-9983	447	10	requirements	requirement	NOUN
cblr-9983	447	11	for	for	ADP
cblr-9983	447	12	state	state	NOUN
cblr-9983	447	13	member	member	NOUN
cblr-9983	447	14	bank	bank	PROPN
cblr-9983	447	15	and	and	CCONJ
cblr-9983	447	16	credit	credit	NOUN
cblr-9983	447	17	extending	extend	VERB
cblr-9983	447	18	nonbank	nonbank	NOUN
cblr-9983	447	19	subsidiaries	subsidiary	NOUN
cblr-9983	447	20	of	of	ADP
cblr-9983	447	21	bank	bank	NOUN
cblr-9983	447	22	holding	hold	VERB
cblr-9983	447	23	companies	company	NOUN
cblr-9983	447	24	in	in	ADP
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cblr-9983	447	28	organization	organization	NOUN
cblr-9983	447	29	supervisory	supervisory	ADJ
cblr-9983	447	30	portfolio	portfolio	NOUN
cblr-9983	447	31	(	(	PUNCT
cblr-9983	447	32	revised	revise	VERB
cblr-9983	447	33	dec	dec	PROPN
cblr-9983	447	34	.	.	PROPN
cblr-9983	447	35	6	6	NUM
cblr-9983	447	36	,	,	PUNCT
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cblr-9983	447	39	,	,	PUNCT
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cblr-9983	448	1	[	[	X
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cblr-9983	448	3	]	]	X
cblr-9983	448	4	.	.	PUNCT
cblr-9983	449	1	71	71	NUM
cblr-9983	449	2	for	for	ADP
cblr-9983	449	3	an	an	DET
cblr-9983	449	4	example	example	NOUN
cblr-9983	449	5	of	of	ADP
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cblr-9983	449	7	guidance	guidance	NOUN
cblr-9983	449	8	draws	draw	VERB
cblr-9983	449	9	attention	attention	NOUN
cblr-9983	449	10	to	to	ADP
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cblr-9983	449	13	,	,	PUNCT
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cblr-9983	449	15	bd	bd	PROPN
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cblr-9983	449	19	of	of	ADP
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cblr-9983	449	22	.	.	PUNCT
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cblr-9983	450	2	.	.	PUNCT
cblr-9983	451	1	sys	sys	PROPN
cblr-9983	451	2	.	.	PROPN
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cblr-9983	451	4	sr	sr	PROPN
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cblr-9983	451	8	,	,	PUNCT
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cblr-9983	451	24	in	in	ADP
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cblr-9983	451	38	,	,	PUNCT
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cblr-9983	452	3	g	g	NOUN
cblr-9983	452	4	]	]	PUNCT
cblr-9983	452	5	.	.	PUNCT
cblr-9983	453	1	no	no	INTJ
cblr-9983	453	2	.	.	PUNCT
cblr-9983	454	1	1:279	1:279	NOUN
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cblr-9983	454	3	bank	bank	NOUN
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cblr-9983	454	8	305	305	NUM
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cblr-9983	454	15	-	-	PUNCT
cblr-9983	454	16	sensitive	sensitive	ADJ
cblr-9983	454	17	and	and	CCONJ
cblr-9983	454	18	is	be	AUX
cblr-9983	454	19	intended	intend	VERB
cblr-9983	454	20	to	to	PART
cblr-9983	454	21	remain	remain	VERB
cblr-9983	454	22	in	in	ADP
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cblr-9983	454	24	indefinitely	indefinitely	ADV
cblr-9983	454	25	as	as	ADP
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cblr-9983	454	29	supervisory	supervisory	ADJ
cblr-9983	454	30	framework	framework	NOUN
cblr-9983	454	31	is	be	AUX
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cblr-9983	454	33	,	,	PUNCT
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cblr-9983	454	35	not	not	PART
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cblr-9983	454	37	,	,	PUNCT
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cblr-9983	454	39	in	in	ADP
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cblr-9983	454	43	for	for	ADP
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cblr-9983	454	49	.	.	PUNCT
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cblr-9983	455	3	a	a	DET
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cblr-9983	455	5	of	of	ADP
cblr-9983	455	6	ways	way	NOUN
cblr-9983	455	7	to	to	PART
cblr-9983	455	8	penetrate	penetrate	VERB
cblr-9983	455	9	opaque	opaque	ADJ
cblr-9983	455	10	bank	bank	NOUN
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cblr-9983	455	15	identify	identify	VERB
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cblr-9983	455	20	a	a	DET
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cblr-9983	455	25	and	and	CCONJ
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cblr-9983	455	31	,	,	PUNCT
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cblr-9983	455	33	a	a	DET
cblr-9983	455	34	bank	bank	NOUN
cblr-9983	455	35	enters	enter	VERB
cblr-9983	455	36	a	a	DET
cblr-9983	455	37	new	new	ADJ
cblr-9983	455	38	activity	activity	NOUN
cblr-9983	455	39	or	or	CCONJ
cblr-9983	455	40	offers	offer	VERB
cblr-9983	455	41	a	a	DET
cblr-9983	455	42	new	new	ADJ
cblr-9983	455	43	product	product	NOUN
cblr-9983	455	44	,	,	PUNCT
cblr-9983	455	45	or	or	CCONJ
cblr-9983	455	46	when	when	SCONJ
cblr-9983	455	47	an	an	DET
cblr-9983	455	48	existing	exist	VERB
cblr-9983	455	49	activity	activity	NOUN
cblr-9983	455	50	or	or	CCONJ
cblr-9983	455	51	asset	asset	NOUN
cblr-9983	455	52	class	class	NOUN
cblr-9983	455	53	is	be	AUX
cblr-9983	455	54	growing	grow	VERB
cblr-9983	455	55	quickly	quickly	ADV
cblr-9983	455	56	,	,	PUNCT
cblr-9983	455	57	a	a	DET
cblr-9983	455	58	lack	lack	NOUN
cblr-9983	455	59	of	of	ADP
cblr-9983	455	60	experience	experience	NOUN
cblr-9983	455	61	or	or	CCONJ
cblr-9983	455	62	capacity	capacity	NOUN
cblr-9983	455	63	at	at	ADP
cblr-9983	455	64	the	the	DET
cblr-9983	455	65	bank	bank	NOUN
cblr-9983	455	66	can	can	AUX
cblr-9983	455	67	lead	lead	VERB
cblr-9983	455	68	to	to	ADP
cblr-9983	455	69	losses	loss	NOUN
cblr-9983	455	70	that	that	PRON
cblr-9983	455	71	would	would	AUX
cblr-9983	455	72	not	not	PART
cblr-9983	455	73	generally	generally	ADV
cblr-9983	455	74	be	be	AUX
cblr-9983	455	75	expected	expect	VERB
cblr-9983	455	76	from	from	ADP
cblr-9983	455	77	a	a	DET
cblr-9983	455	78	bank	bank	NOUN
cblr-9983	455	79	that	that	PRON
cblr-9983	455	80	is	be	AUX
cblr-9983	455	81	well	well	ADV
cblr-9983	455	82	-	-	PUNCT
cblr-9983	455	83	established	establish	VERB
cblr-9983	455	84	in	in	ADP
cblr-9983	455	85	the	the	DET
cblr-9983	455	86	product	product	NOUN
cblr-9983	455	87	or	or	CCONJ
cblr-9983	455	88	activity	activity	NOUN
cblr-9983	455	89	.	.	PUNCT
cblr-9983	456	1	here	here	ADV
cblr-9983	456	2	the	the	DET
cblr-9983	456	3	supervisory	supervisory	ADJ
cblr-9983	456	4	emphasis	emphasis	NOUN
cblr-9983	456	5	will	will	AUX
cblr-9983	456	6	be	be	AUX
cblr-9983	456	7	upon	upon	SCONJ
cblr-9983	456	8	assessing	assess	VERB
cblr-9983	456	9	the	the	DET
cblr-9983	456	10	bank	bank	NOUN
cblr-9983	456	11	’s	’s	PART
cblr-9983	456	12	ability	ability	NOUN
cblr-9983	456	13	to	to	PART
cblr-9983	456	14	proceed	proceed	VERB
cblr-9983	456	15	without	without	ADP
cblr-9983	456	16	undue	undue	ADJ
cblr-9983	456	17	risks	risk	NOUN
cblr-9983	456	18	to	to	ADP
cblr-9983	456	19	safety	safety	NOUN
cblr-9983	456	20	and	and	CCONJ
cblr-9983	456	21	soundness	soundness	NOUN
cblr-9983	456	22	.	.	PUNCT
cblr-9983	457	1	when	when	SCONJ
cblr-9983	457	2	shortcomings	shortcoming	NOUN
cblr-9983	457	3	in	in	ADP
cblr-9983	457	4	bank	bank	NOUN
cblr-9983	457	5	practices	practice	NOUN
cblr-9983	457	6	are	be	AUX
cblr-9983	457	7	identified	identify	VERB
cblr-9983	457	8	,	,	PUNCT
cblr-9983	457	9	there	there	PRON
cblr-9983	457	10	are	be	VERB
cblr-9983	457	11	various	various	ADJ
cblr-9983	457	12	supervisory	supervisory	ADJ
cblr-9983	457	13	responses	response	NOUN
cblr-9983	457	14	,	,	PUNCT
cblr-9983	457	15	depending	depend	VERB
cblr-9983	457	16	on	on	ADP
cblr-9983	457	17	the	the	DET
cblr-9983	457	18	specifics	specific	NOUN
cblr-9983	457	19	of	of	ADP
cblr-9983	457	20	the	the	DET
cblr-9983	457	21	problem	problem	NOUN
cblr-9983	457	22	and	and	CCONJ
cblr-9983	457	23	,	,	PUNCT
cblr-9983	457	24	in	in	ADP
cblr-9983	457	25	at	at	ADP
cblr-9983	457	26	least	least	ADJ
cblr-9983	457	27	some	some	PRON
cblr-9983	457	28	cases	case	NOUN
cblr-9983	457	29	,	,	PUNCT
cblr-9983	457	30	on	on	ADP
cblr-9983	457	31	a	a	DET
cblr-9983	457	32	bank	bank	NOUN
cblr-9983	457	33	’s	’s	PART
cblr-9983	457	34	own	own	ADJ
cblr-9983	457	35	preferences	preference	NOUN
cblr-9983	457	36	.	.	PUNCT
cblr-9983	458	1	often	often	ADV
cblr-9983	458	2	the	the	DET
cblr-9983	458	3	supervisors	supervisor	NOUN
cblr-9983	458	4	will	will	AUX
cblr-9983	458	5	send	send	VERB
cblr-9983	458	6	the	the	DET
cblr-9983	458	7	bank	bank	NOUN
cblr-9983	458	8	a	a	DET
cblr-9983	458	9	notice	notice	NOUN
cblr-9983	458	10	of	of	ADP
cblr-9983	458	11	a	a	DET
cblr-9983	458	12	matter	matter	NOUN
cblr-9983	458	13	requiring	require	VERB
cblr-9983	458	14	attention	attention	NOUN
cblr-9983	458	15	(	(	PUNCT
cblr-9983	458	16	mra	mra	NOUN
cblr-9983	458	17	)	)	PUNCT
cblr-9983	458	18	or	or	CCONJ
cblr-9983	458	19	,	,	PUNCT
cblr-9983	458	20	less	less	ADV
cblr-9983	458	21	frequently	frequently	ADV
cblr-9983	458	22	,	,	PUNCT
cblr-9983	458	23	a	a	DET
cblr-9983	458	24	matter	matter	NOUN
cblr-9983	458	25	requiring	require	VERB
cblr-9983	458	26	immediate	immediate	ADJ
cblr-9983	458	27	attention	attention	NOUN
cblr-9983	458	28	(	(	PUNCT
cblr-9983	458	29	mria).73	mria).73	X
cblr-9983	458	30	as	as	SCONJ
cblr-9983	458	31	we	we	PRON
cblr-9983	458	32	will	will	AUX
cblr-9983	458	33	see	see	VERB
cblr-9983	458	34	later	later	ADV
cblr-9983	458	35	,	,	PUNCT
cblr-9983	458	36	the	the	DET
cblr-9983	458	37	number	number	NOUN
cblr-9983	458	38	and	and	CCONJ
cblr-9983	458	39	scope	scope	NOUN
cblr-9983	458	40	of	of	ADP
cblr-9983	458	41	mras	mras	ADJ
cblr-9983	458	42	issued	issue	VERB
cblr-9983	458	43	in	in	ADP
cblr-9983	458	44	the	the	DET
cblr-9983	458	45	postcrisis	postcrisis	NOUN
cblr-9983	458	46	period	period	NOUN
cblr-9983	458	47	became	become	VERB
cblr-9983	458	48	controversial	controversial	ADJ
cblr-9983	458	49	with	with	ADP
cblr-9983	458	50	banks	bank	NOUN
cblr-9983	458	51	and	and	CCONJ
cblr-9983	458	52	,	,	PUNCT
cblr-9983	458	53	in	in	ADP
cblr-9983	458	54	fact	fact	NOUN
cblr-9983	458	55	,	,	PUNCT
cblr-9983	458	56	with	with	ADP
cblr-9983	458	57	some	some	DET
cblr-9983	458	58	senior	senior	ADJ
cblr-9983	458	59	supervisors.74	supervisors.74	ADJ
cblr-9983	458	60	72	72	NUM
cblr-9983	458	61	for	for	ADP
cblr-9983	458	62	example	example	NOUN
cblr-9983	458	63	,	,	PUNCT
cblr-9983	458	64	they	they	PRON
cblr-9983	458	65	can	can	AUX
cblr-9983	458	66	test	test	VERB
cblr-9983	458	67	a	a	DET
cblr-9983	458	68	selection	selection	NOUN
cblr-9983	458	69	of	of	ADP
cblr-9983	458	70	loan	loan	NOUN
cblr-9983	458	71	files	file	NOUN
cblr-9983	458	72	to	to	PART
cblr-9983	458	73	see	see	VERB
cblr-9983	458	74	if	if	SCONJ
cblr-9983	458	75	the	the	DET
cblr-9983	458	76	underwriting	underwriting	NOUN
cblr-9983	458	77	process	process	NOUN
cblr-9983	458	78	followed	follow	VERB
cblr-9983	458	79	by	by	ADP
cblr-9983	458	80	a	a	DET
cblr-9983	458	81	bank	bank	NOUN
cblr-9983	458	82	is	be	AUX
cblr-9983	458	83	sufficiently	sufficiently	ADV
cblr-9983	458	84	rigorous	rigorous	ADJ
cblr-9983	458	85	.	.	PUNCT
cblr-9983	459	1	they	they	PRON
cblr-9983	459	2	can	can	AUX
cblr-9983	459	3	examine	examine	VERB
cblr-9983	459	4	the	the	DET
cblr-9983	459	5	bank	bank	NOUN
cblr-9983	459	6	’s	’s	PART
cblr-9983	459	7	risk	risk	NOUN
cblr-9983	459	8	management	management	NOUN
cblr-9983	459	9	policies	policy	NOUN
cblr-9983	459	10	and	and	CCONJ
cblr-9983	459	11	processes	process	VERB
cblr-9983	459	12	more	more	ADV
cblr-9983	459	13	generally	generally	ADV
cblr-9983	459	14	.	.	PUNCT
cblr-9983	460	1	they	they	PRON
cblr-9983	460	2	can	can	AUX
cblr-9983	460	3	watch	watch	VERB
cblr-9983	460	4	for	for	ADP
cblr-9983	460	5	early	early	ADJ
cblr-9983	460	6	signs	sign	NOUN
cblr-9983	460	7	of	of	ADP
cblr-9983	460	8	abnormally	abnormally	ADV
cblr-9983	460	9	high	high	ADJ
cblr-9983	460	10	levels	level	NOUN
cblr-9983	460	11	of	of	ADP
cblr-9983	460	12	non	non	ADJ
cblr-9983	460	13	-	-	ADJ
cblr-9983	460	14	performing	perform	VERB
cblr-9983	460	15	loans	loan	NOUN
cblr-9983	460	16	.	.	PUNCT
cblr-9983	461	1	they	they	PRON
cblr-9983	461	2	can	can	AUX
cblr-9983	461	3	evaluate	evaluate	VERB
cblr-9983	461	4	the	the	DET
cblr-9983	461	5	loans	loan	NOUN
cblr-9983	461	6	or	or	CCONJ
cblr-9983	461	7	other	other	ADJ
cblr-9983	461	8	assets	asset	NOUN
cblr-9983	461	9	to	to	PART
cblr-9983	461	10	be	be	AUX
cblr-9983	461	11	sure	sure	ADJ
cblr-9983	461	12	those	those	DET
cblr-9983	461	13	assets	asset	NOUN
cblr-9983	461	14	are	be	AUX
cblr-9983	461	15	being	be	AUX
cblr-9983	461	16	correctly	correctly	ADV
cblr-9983	461	17	categorized	categorize	VERB
cblr-9983	461	18	for	for	ADP
cblr-9983	461	19	purposes	purpose	NOUN
cblr-9983	461	20	of	of	ADP
cblr-9983	461	21	risk	risk	NOUN
cblr-9983	461	22	-	-	PUNCT
cblr-9983	461	23	weighting	weighting	NOUN
cblr-9983	461	24	.	.	PUNCT
cblr-9983	462	1	these	these	DET
cblr-9983	462	2	matters	matter	NOUN
cblr-9983	462	3	are	be	AUX
cblr-9983	462	4	often	often	ADV
cblr-9983	462	5	quite	quite	ADV
cblr-9983	462	6	specific	specific	ADJ
cblr-9983	462	7	to	to	ADP
cblr-9983	462	8	a	a	DET
cblr-9983	462	9	bank	bank	NOUN
cblr-9983	462	10	(	(	PUNCT
cblr-9983	462	11	though	though	SCONJ
cblr-9983	462	12	banks	bank	NOUN
cblr-9983	462	13	are	be	AUX
cblr-9983	462	14	often	often	ADV
cblr-9983	462	15	found	find	VERB
cblr-9983	462	16	to	to	PART
cblr-9983	462	17	share	share	VERB
cblr-9983	462	18	certain	certain	ADJ
cblr-9983	462	19	shortcomings	shortcoming	NOUN
cblr-9983	462	20	in	in	ADP
cblr-9983	462	21	,	,	PUNCT
cblr-9983	462	22	for	for	ADP
cblr-9983	462	23	example	example	NOUN
cblr-9983	462	24	,	,	PUNCT
cblr-9983	462	25	the	the	DET
cblr-9983	462	26	underwriting	underwriting	NOUN
cblr-9983	462	27	process	process	NOUN
cblr-9983	462	28	)	)	PUNCT
cblr-9983	462	29	.	.	PUNCT
cblr-9983	463	1	73	73	NUM
cblr-9983	464	1	bd	bd	PROPN
cblr-9983	464	2	.	.	PROPN
cblr-9983	464	3	of	of	ADP
cblr-9983	464	4	governors	governor	NOUN
cblr-9983	464	5	of	of	ADP
cblr-9983	464	6	the	the	DET
cblr-9983	464	7	fed	fed	PROPN
cblr-9983	464	8	.	.	PUNCT
cblr-9983	464	9	rsrv	rsrv	PROPN
cblr-9983	464	10	.	.	PUNCT
cblr-9983	465	1	sys	sys	PROPN
cblr-9983	465	2	.	.	PROPN
cblr-9983	465	3	,	,	PUNCT
cblr-9983	465	4	supervision	supervision	NOUN
cblr-9983	465	5	and	and	CCONJ
cblr-9983	465	6	regulation	regulation	NOUN
cblr-9983	465	7	report	report	NOUN
cblr-9983	465	8	16	16	NUM
cblr-9983	465	9	(	(	PUNCT
cblr-9983	465	10	2018	2018	NUM
cblr-9983	465	11	)	)	PUNCT
cblr-9983	465	12	,	,	PUNCT
cblr-9983	465	13	https://www.federalreserve.gov/publications/files/201811-supervision-andregulation-report.pdf	https://www.federalreserve.gov/publications/files/201811-supervision-andregulation-report.pdf	NOUN
cblr-9983	466	1	[	[	X
cblr-9983	466	2	https://perma.cc/xb9y-bjfs	https://perma.cc/xb9y-bjfs	PROPN
cblr-9983	466	3	]	]	X
cblr-9983	466	4	.	.	PUNCT
cblr-9983	467	1	for	for	ADP
cblr-9983	467	2	my	my	PRON
cblr-9983	467	3	illustration	illustration	NOUN
cblr-9983	467	4	in	in	ADP
cblr-9983	467	5	supra	supra	PROPN
cblr-9983	467	6	note	note	PROPN
cblr-9983	467	7	72	72	NUM
cblr-9983	467	8	involving	involve	VERB
cblr-9983	467	9	underwriting	underwriting	NOUN
cblr-9983	467	10	practices	practice	NOUN
cblr-9983	467	11	,	,	PUNCT
cblr-9983	467	12	these	these	DET
cblr-9983	467	13	written	write	VERB
cblr-9983	467	14	notices	notice	NOUN
cblr-9983	467	15	would	would	AUX
cblr-9983	467	16	instruct	instruct	VERB
cblr-9983	467	17	the	the	DET
cblr-9983	467	18	bank	bank	NOUN
cblr-9983	467	19	to	to	PART
cblr-9983	467	20	correct	correct	VERB
cblr-9983	467	21	whatever	whatever	DET
cblr-9983	467	22	deficiencies	deficiency	NOUN
cblr-9983	467	23	have	have	AUX
cblr-9983	467	24	been	be	AUX
cblr-9983	467	25	identified	identify	VERB
cblr-9983	467	26	in	in	ADP
cblr-9983	467	27	the	the	DET
cblr-9983	467	28	underwriting	underwriting	NOUN
cblr-9983	467	29	or	or	CCONJ
cblr-9983	467	30	risk	risk	NOUN
cblr-9983	467	31	management	management	NOUN
cblr-9983	467	32	processes	process	NOUN
cblr-9983	467	33	.	.	PUNCT
cblr-9983	468	1	74	74	NUM
cblr-9983	468	2	see	see	VERB
cblr-9983	468	3	supra	supra	PROPN
cblr-9983	468	4	section	section	PROPN
cblr-9983	468	5	iii.c	iii.c	PROPN
cblr-9983	468	6	.	.	PUNCT
cblr-9983	468	7	306	306	NUM
cblr-9983	468	8	columbia	columbia	PROPN
cblr-9983	468	9	business	business	NOUN
cblr-9983	468	10	law	law	PROPN
cblr-9983	468	11	review	review	NOUN
cblr-9983	468	12	[	[	X
cblr-9983	468	13	vol	vol	NOUN
cblr-9983	468	14	.	.	PUNCT
cblr-9983	468	15	2022	2022	NUM
cblr-9983	468	16	another	another	DET
cblr-9983	468	17	form	form	NOUN
cblr-9983	468	18	of	of	ADP
cblr-9983	468	19	supervisory	supervisory	ADJ
cblr-9983	468	20	communication	communication	NOUN
cblr-9983	468	21	is	be	AUX
cblr-9983	468	22	a	a	DET
cblr-9983	468	23	memorandum	memorandum	NOUN
cblr-9983	468	24	of	of	ADP
cblr-9983	468	25	understanding	understanding	NOUN
cblr-9983	468	26	(	(	PUNCT
cblr-9983	468	27	mou	mou	PROPN
cblr-9983	468	28	)	)	PUNCT
cblr-9983	468	29	with	with	ADP
cblr-9983	468	30	the	the	DET
cblr-9983	468	31	bank.75	bank.75	PROPN
cblr-9983	468	32	an	an	DET
cblr-9983	468	33	mou	mou	PROPN
cblr-9983	468	34	usually	usually	ADV
cblr-9983	468	35	reflects	reflect	VERB
cblr-9983	468	36	a	a	DET
cblr-9983	468	37	supervisory	supervisory	ADJ
cblr-9983	468	38	concern	concern	NOUN
cblr-9983	468	39	that	that	PRON
cblr-9983	468	40	has	have	AUX
cblr-9983	468	41	persisted	persist	VERB
cblr-9983	468	42	for	for	ADP
cblr-9983	468	43	some	some	DET
cblr-9983	468	44	time	time	NOUN
cblr-9983	468	45	and	and	CCONJ
cblr-9983	468	46	a	a	DET
cblr-9983	468	47	judgment	judgment	NOUN
cblr-9983	468	48	that	that	SCONJ
cblr-9983	468	49	outstanding	outstanding	ADJ
cblr-9983	468	50	mras	mra	NOUN
cblr-9983	468	51	have	have	AUX
cblr-9983	468	52	not	not	PART
cblr-9983	468	53	been	be	AUX
cblr-9983	468	54	satisfactorily	satisfactorily	ADV
cblr-9983	468	55	addressed	address	VERB
cblr-9983	468	56	.	.	PUNCT
cblr-9983	469	1	while	while	SCONJ
cblr-9983	469	2	an	an	DET
cblr-9983	469	3	mra	mra	NOUN
cblr-9983	469	4	draws	draw	VERB
cblr-9983	469	5	attention	attention	NOUN
cblr-9983	469	6	to	to	ADP
cblr-9983	469	7	a	a	DET
cblr-9983	469	8	problem	problem	NOUN
cblr-9983	469	9	and	and	CCONJ
cblr-9983	469	10	gives	give	VERB
cblr-9983	469	11	a	a	DET
cblr-9983	469	12	general	general	ADJ
cblr-9983	469	13	indication	indication	NOUN
cblr-9983	469	14	of	of	ADP
cblr-9983	469	15	what	what	PRON
cblr-9983	469	16	the	the	DET
cblr-9983	469	17	bank	bank	NOUN
cblr-9983	469	18	needs	need	VERB
cblr-9983	469	19	to	to	PART
cblr-9983	469	20	do	do	VERB
cblr-9983	469	21	to	to	PART
cblr-9983	469	22	address	address	VERB
cblr-9983	469	23	that	that	DET
cblr-9983	469	24	problem	problem	NOUN
cblr-9983	469	25	,	,	PUNCT
cblr-9983	469	26	a	a	DET
cblr-9983	469	27	mou	mou	PROPN
cblr-9983	469	28	will	will	AUX
cblr-9983	469	29	often	often	ADV
cblr-9983	469	30	contain	contain	VERB
cblr-9983	469	31	commitments	commitment	NOUN
cblr-9983	469	32	for	for	ADP
cblr-9983	469	33	quite	quite	ADV
cblr-9983	469	34	specific	specific	ADJ
cblr-9983	469	35	remedial	remedial	ADJ
cblr-9983	469	36	actions	action	NOUN
cblr-9983	469	37	.	.	PUNCT
cblr-9983	470	1	failure	failure	NOUN
cblr-9983	470	2	to	to	PART
cblr-9983	470	3	implement	implement	VERB
cblr-9983	470	4	these	these	DET
cblr-9983	470	5	actions	action	NOUN
cblr-9983	470	6	in	in	ADP
cblr-9983	470	7	a	a	DET
cblr-9983	470	8	timely	timely	ADJ
cblr-9983	470	9	fashion	fashion	NOUN
cblr-9983	470	10	can	can	AUX
cblr-9983	470	11	lead	lead	VERB
cblr-9983	470	12	to	to	ADP
cblr-9983	470	13	agency	agency	NOUN
cblr-9983	470	14	initiation	initiation	NOUN
cblr-9983	470	15	of	of	ADP
cblr-9983	470	16	proceedings	proceeding	NOUN
cblr-9983	470	17	to	to	PART
cblr-9983	470	18	issue	issue	VERB
cblr-9983	470	19	a	a	DET
cblr-9983	470	20	cease	cease	NOUN
cblr-9983	470	21	-	-	PUNCT
cblr-9983	470	22	anddesist	anddesist	NOUN
cblr-9983	470	23	order	order	NOUN
cblr-9983	470	24	which	which	PRON
cblr-9983	470	25	,	,	PUNCT
cblr-9983	470	26	for	for	ADP
cblr-9983	470	27	sufficiently	sufficiently	ADV
cblr-9983	470	28	serious	serious	ADJ
cblr-9983	470	29	problems	problem	NOUN
cblr-9983	470	30	,	,	PUNCT
cblr-9983	470	31	may	may	AUX
cblr-9983	470	32	also	also	ADV
cblr-9983	470	33	be	be	AUX
cblr-9983	470	34	issued	issue	VERB
cblr-9983	470	35	without	without	ADP
cblr-9983	470	36	prior	prior	ADJ
cblr-9983	470	37	mras	mra	NOUN
cblr-9983	470	38	.	.	PUNCT
cblr-9983	471	1	unlike	unlike	ADP
cblr-9983	471	2	the	the	DET
cblr-9983	471	3	three	three	NUM
cblr-9983	471	4	kinds	kind	NOUN
cblr-9983	471	5	of	of	ADP
cblr-9983	471	6	supervisory	supervisory	ADJ
cblr-9983	471	7	communication	communication	NOUN
cblr-9983	471	8	already	already	ADV
cblr-9983	471	9	mentioned	mention	VERB
cblr-9983	471	10	,	,	PUNCT
cblr-9983	471	11	a	a	DET
cblr-9983	471	12	cease	cease	NOUN
cblr-9983	471	13	-	-	PUNCT
cblr-9983	471	14	anddesist	anddesist	NOUN
cblr-9983	471	15	order	order	NOUN
cblr-9983	471	16	is	be	AUX
cblr-9983	471	17	public	public	ADJ
cblr-9983	471	18	and	and	CCONJ
cblr-9983	471	19	legally	legally	ADV
cblr-9983	471	20	binding	binding	ADJ
cblr-9983	471	21	.	.	PUNCT
cblr-9983	472	1	it	it	PRON
cblr-9983	472	2	is	be	AUX
cblr-9983	472	3	issued	issue	VERB
cblr-9983	472	4	pursuant	pursuant	ADJ
cblr-9983	472	5	to	to	PART
cblr-9983	472	6	express	express	VERB
cblr-9983	472	7	statutory	statutory	ADJ
cblr-9983	472	8	authority76	authority76	NOUN
cblr-9983	472	9	and	and	CCONJ
cblr-9983	472	10	subject	subject	NOUN
cblr-9983	472	11	to	to	ADP
cblr-9983	472	12	the	the	DET
cblr-9983	472	13	familiar	familiar	ADJ
cblr-9983	472	14	procedures	procedure	NOUN
cblr-9983	472	15	for	for	ADP
cblr-9983	472	16	written	write	VERB
cblr-9983	472	17	notice	notice	NOUN
cblr-9983	472	18	,	,	PUNCT
cblr-9983	472	19	hearing	hearing	NOUN
cblr-9983	472	20	,	,	PUNCT
cblr-9983	472	21	and	and	CCONJ
cblr-9983	472	22	judicial	judicial	ADJ
cblr-9983	472	23	review	review	NOUN
cblr-9983	472	24	contained	contain	VERB
cblr-9983	472	25	in	in	ADP
cblr-9983	472	26	the	the	DET
cblr-9983	472	27	apa.77	apa.77	NOUN
cblr-9983	472	28	all	all	DET
cblr-9983	472	29	banking	banking	NOUN
cblr-9983	472	30	organizations	organization	NOUN
cblr-9983	472	31	receive	receive	VERB
cblr-9983	472	32	supervisory	supervisory	ADJ
cblr-9983	472	33	ratings	rating	NOUN
cblr-9983	472	34	each	each	DET
cblr-9983	472	35	year	year	NOUN
cblr-9983	472	36	(	(	PUNCT
cblr-9983	472	37	or	or	CCONJ
cblr-9983	472	38	,	,	PUNCT
cblr-9983	472	39	for	for	ADP
cblr-9983	472	40	smaller	small	ADJ
cblr-9983	472	41	banks	bank	NOUN
cblr-9983	472	42	qualifying	qualify	VERB
cblr-9983	472	43	for	for	ADP
cblr-9983	472	44	less	less	ADV
cblr-9983	472	45	frequent	frequent	ADJ
cblr-9983	472	46	exams	exam	NOUN
cblr-9983	472	47	,	,	PUNCT
cblr-9983	472	48	every	every	DET
cblr-9983	472	49	eighteen	eighteen	NUM
cblr-9983	472	50	months	month	NOUN
cblr-9983	472	51	)	)	PUNCT
cblr-9983	472	52	.	.	PUNCT
cblr-9983	473	1	for	for	ADP
cblr-9983	473	2	insured	insure	VERB
cblr-9983	473	3	depository	depository	NOUN
cblr-9983	473	4	institutions	institution	NOUN
cblr-9983	473	5	,	,	PUNCT
cblr-9983	473	6	banking	banking	NOUN
cblr-9983	473	7	agencies	agency	NOUN
cblr-9983	473	8	use	use	VERB
cblr-9983	473	9	the	the	DET
cblr-9983	473	10	camels	camel	NOUN
cblr-9983	473	11	system	system	NOUN
cblr-9983	473	12	,	,	PUNCT
cblr-9983	473	13	developed	develop	VERB
cblr-9983	473	14	by	by	ADP
cblr-9983	473	15	the	the	DET
cblr-9983	473	16	federal	federal	ADJ
cblr-9983	473	17	financial	financial	ADJ
cblr-9983	473	18	institutions	institution	NOUN
cblr-9983	473	19	examination	examination	PROPN
cblr-9983	473	20	council	council	PROPN
cblr-9983	473	21	(	(	PUNCT
cblr-9983	473	22	ffiec	ffiec	NOUN
cblr-9983	473	23	)	)	PUNCT
cblr-9983	473	24	.	.	PUNCT
cblr-9983	474	1	the	the	DET
cblr-9983	474	2	ffiec	ffiec	NOUN
cblr-9983	474	3	,	,	PUNCT
cblr-9983	474	4	an	an	DET
cblr-9983	474	5	interagency	interagency	NOUN
cblr-9983	474	6	entity	entity	NOUN
cblr-9983	474	7	composed	compose	VERB
cblr-9983	474	8	of	of	ADP
cblr-9983	474	9	principals	principal	NOUN
cblr-9983	474	10	from	from	ADP
cblr-9983	474	11	the	the	DET
cblr-9983	474	12	agencies	agency	NOUN
cblr-9983	474	13	that	that	PRON
cblr-9983	474	14	regulate	regulate	VERB
cblr-9983	474	15	depository	depository	NOUN
cblr-9983	474	16	institutions,78	institutions,78	PROPN
cblr-9983	474	17	was	be	AUX
cblr-9983	474	18	created	create	VERB
cblr-9983	474	19	as	as	ADP
cblr-9983	474	20	part	part	NOUN
cblr-9983	474	21	of	of	ADP
cblr-9983	474	22	the	the	DET
cblr-9983	474	23	financial	financial	ADJ
cblr-9983	474	24	institutions	institution	NOUN
cblr-9983	474	25	regulatory	regulatory	ADJ
cblr-9983	474	26	and	and	CCONJ
cblr-9983	474	27	interest	interest	NOUN
cblr-9983	474	28	rate	rate	NOUN
cblr-9983	474	29	control	control	PROPN
cblr-9983	474	30	act	act	PROPN
cblr-9983	474	31	of	of	ADP
cblr-9983	474	32	1978.79	1978.79	NUM
cblr-9983	474	33	the	the	DET
cblr-9983	474	34	legislation	legislation	NOUN
cblr-9983	474	35	was	be	AUX
cblr-9983	474	36	75	75	NUM
cblr-9983	474	37	fed	fed	ADJ
cblr-9983	474	38	.	.	PUNCT
cblr-9983	475	1	deposit	deposit	NOUN
cblr-9983	475	2	ins	ins	PROPN
cblr-9983	475	3	.	.	PUNCT
cblr-9983	475	4	corp	corp	PROPN
cblr-9983	475	5	.	.	PROPN
cblr-9983	475	6	,	,	PUNCT
cblr-9983	475	7	informal	informal	ADJ
cblr-9983	475	8	actions	action	NOUN
cblr-9983	475	9	,	,	PUNCT
cblr-9983	475	10	rms	rm	NOUN
cblr-9983	475	11	manual	manual	NOUN
cblr-9983	475	12	of	of	ADP
cblr-9983	475	13	examination	examination	NOUN
cblr-9983	475	14	policies	policy	NOUN
cblr-9983	475	15	§	§	PROPN
cblr-9983	475	16	13.1	13.1	NUM
cblr-9983	475	17	,	,	PUNCT
cblr-9983	475	18	https://www.fdic.gov/regulations/safety/manual/section13-1.pdf	https://www.fdic.gov/regulations/safety/manual/section13-1.pdf	PROPN
cblr-9983	475	19	[	[	X
cblr-9983	475	20	https://perma.cc/s8gk-3h6y	https://perma.cc/s8gk-3h6y	X
cblr-9983	475	21	]	]	PUNCT
cblr-9983	475	22	.	.	PUNCT
cblr-9983	476	1	76	76	NUM
cblr-9983	476	2	12	12	NUM
cblr-9983	476	3	u.s.c	u.s.c	NOUN
cblr-9983	476	4	.	.	PUNCT
cblr-9983	477	1	§	§	PROPN
cblr-9983	477	2	1818(b	1818(b	NUM
cblr-9983	477	3	)	)	PUNCT
cblr-9983	477	4	(	(	PUNCT
cblr-9983	477	5	2018	2018	NUM
cblr-9983	477	6	)	)	PUNCT
cblr-9983	477	7	.	.	PUNCT
cblr-9983	478	1	77	77	NUM
cblr-9983	478	2	pub	pub	NOUN
cblr-9983	478	3	.	.	PUNCT
cblr-9983	479	1	l.	l.	PROPN
cblr-9983	479	2	no	no	INTJ
cblr-9983	479	3	.	.	PROPN
cblr-9983	480	1	79	79	NUM
cblr-9983	480	2	-	-	SYM
cblr-9983	480	3	404	404	NUM
cblr-9983	480	4	,	,	PUNCT
cblr-9983	480	5	60	60	NUM
cblr-9983	480	6	stat	stat	NOUN
cblr-9983	480	7	.	.	PUNCT
cblr-9983	481	1	237	237	NUM
cblr-9983	481	2	(	(	PUNCT
cblr-9983	481	3	1946	1946	NUM
cblr-9983	481	4	)	)	PUNCT
cblr-9983	481	5	(	(	PUNCT
cblr-9983	481	6	codified	codify	VERB
cblr-9983	481	7	at	at	ADP
cblr-9983	481	8	5	5	NUM
cblr-9983	481	9	u.s.c	u.s.c	ADJ
cblr-9983	481	10	.	.	PUNCT
cblr-9983	482	1	§	§	PROPN
cblr-9983	482	2	551	551	NUM
cblr-9983	482	3	et	et	PROPN
cblr-9983	482	4	seq	seq	PROPN
cblr-9983	482	5	.	.	PUNCT
cblr-9983	482	6	)	)	PUNCT
cblr-9983	482	7	.	.	PUNCT
cblr-9983	483	1	78	78	NUM
cblr-9983	483	2	at	at	ADP
cblr-9983	483	3	present	present	ADJ
cblr-9983	483	4	,	,	PUNCT
cblr-9983	483	5	the	the	DET
cblr-9983	483	6	ffiec	ffiec	NOUN
cblr-9983	483	7	consists	consist	VERB
cblr-9983	483	8	of	of	ADP
cblr-9983	483	9	the	the	DET
cblr-9983	483	10	comptroller	comptroller	NOUN
cblr-9983	483	11	of	of	ADP
cblr-9983	483	12	the	the	DET
cblr-9983	483	13	currency	currency	NOUN
cblr-9983	483	14	,	,	PUNCT
cblr-9983	483	15	the	the	DET
cblr-9983	483	16	chair	chair	NOUN
cblr-9983	483	17	of	of	ADP
cblr-9983	483	18	the	the	DET
cblr-9983	483	19	fdic	fdic	PROPN
cblr-9983	483	20	,	,	PUNCT
cblr-9983	483	21	a	a	DET
cblr-9983	483	22	federal	federal	ADJ
cblr-9983	483	23	reserve	reserve	NOUN
cblr-9983	483	24	governor	governor	NOUN
cblr-9983	483	25	,	,	PUNCT
cblr-9983	483	26	the	the	DET
cblr-9983	483	27	director	director	NOUN
cblr-9983	483	28	of	of	ADP
cblr-9983	483	29	the	the	DET
cblr-9983	483	30	consumer	consumer	NOUN
cblr-9983	483	31	financial	financial	PROPN
cblr-9983	483	32	protection	protection	PROPN
cblr-9983	483	33	bureau	bureau	PROPN
cblr-9983	483	34	,	,	PUNCT
cblr-9983	483	35	the	the	DET
cblr-9983	483	36	chair	chair	NOUN
cblr-9983	483	37	of	of	ADP
cblr-9983	483	38	the	the	DET
cblr-9983	483	39	national	national	PROPN
cblr-9983	483	40	credit	credit	PROPN
cblr-9983	483	41	union	union	PROPN
cblr-9983	483	42	administration	administration	NOUN
cblr-9983	483	43	,	,	PUNCT
cblr-9983	483	44	and	and	CCONJ
cblr-9983	483	45	the	the	DET
cblr-9983	483	46	chair	chair	NOUN
cblr-9983	483	47	of	of	ADP
cblr-9983	483	48	a	a	DET
cblr-9983	483	49	state	state	NOUN
cblr-9983	483	50	liaison	liaison	NOUN
cblr-9983	483	51	committee	committee	NOUN
cblr-9983	483	52	created	create	VERB
cblr-9983	483	53	by	by	ADP
cblr-9983	483	54	the	the	DET
cblr-9983	483	55	legislation	legislation	NOUN
cblr-9983	483	56	.	.	PUNCT
cblr-9983	484	1	12	12	NUM
cblr-9983	484	2	u.s.c	u.s.c	NOUN
cblr-9983	484	3	.	.	PUNCT
cblr-9983	485	1	§	§	PROPN
cblr-9983	485	2	3303(a	3303(a	NUM
cblr-9983	485	3	)	)	PUNCT
cblr-9983	485	4	.	.	PUNCT
cblr-9983	486	1	79	79	NUM
cblr-9983	486	2	pub	pub	NOUN
cblr-9983	486	3	.	.	PUNCT
cblr-9983	487	1	l.	l.	PROPN
cblr-9983	487	2	no	no	INTJ
cblr-9983	487	3	.	.	PROPN
cblr-9983	488	1	95	95	NUM
cblr-9983	488	2	-	-	SYM
cblr-9983	488	3	630	630	NUM
cblr-9983	488	4	,	,	PUNCT
cblr-9983	488	5	§	§	PROPN
cblr-9983	488	6	1004	1004	NUM
cblr-9983	488	7	,	,	PUNCT
cblr-9983	488	8	92	92	NUM
cblr-9983	488	9	stat	stat	NOUN
cblr-9983	488	10	.	.	PUNCT
cblr-9983	489	1	3641	3641	NUM
cblr-9983	489	2	,	,	PUNCT
cblr-9983	489	3	3694	3694	NUM
cblr-9983	489	4	(	(	PUNCT
cblr-9983	489	5	codified	codify	VERB
cblr-9983	489	6	at	at	ADP
cblr-9983	489	7	12	12	NUM
cblr-9983	489	8	u.s.c	u.s.c	NOUN
cblr-9983	489	9	.	.	PUNCT
cblr-9983	490	1	§	§	PROPN
cblr-9983	490	2	3303	3303	NUM
cblr-9983	490	3	)	)	PUNCT
cblr-9983	490	4	.	.	PUNCT
cblr-9983	491	1	no	no	INTJ
cblr-9983	491	2	.	.	PUNCT
cblr-9983	492	1	1:279	1:279	NOUN
cblr-9983	492	2	]	]	X
cblr-9983	492	3	bank	bank	NOUN
cblr-9983	492	4	supervision	supervision	NOUN
cblr-9983	492	5	and	and	CCONJ
cblr-9983	492	6	administrative	administrative	ADJ
cblr-9983	492	7	law	law	NOUN
cblr-9983	492	8	307	307	NUM
cblr-9983	492	9	passed	pass	VERB
cblr-9983	492	10	against	against	ADP
cblr-9983	492	11	the	the	DET
cblr-9983	492	12	backdrop	backdrop	NOUN
cblr-9983	492	13	of	of	ADP
cblr-9983	492	14	an	an	DET
cblr-9983	492	15	increase	increase	NOUN
cblr-9983	492	16	in	in	ADP
cblr-9983	492	17	bank	bank	NOUN
cblr-9983	492	18	failures	failure	NOUN
cblr-9983	492	19	,	,	PUNCT
cblr-9983	492	20	which	which	DET
cblr-9983	492	21	proponents	proponent	NOUN
cblr-9983	492	22	attributed	attribute	VERB
cblr-9983	492	23	in	in	ADP
cblr-9983	492	24	part	part	NOUN
cblr-9983	492	25	to	to	ADP
cblr-9983	492	26	the	the	DET
cblr-9983	492	27	absence	absence	NOUN
cblr-9983	492	28	of	of	ADP
cblr-9983	492	29	uniform	uniform	ADJ
cblr-9983	492	30	standards	standard	NOUN
cblr-9983	492	31	and	and	CCONJ
cblr-9983	492	32	cooperation	cooperation	NOUN
cblr-9983	492	33	among	among	ADP
cblr-9983	492	34	the	the	DET
cblr-9983	492	35	regulatory	regulatory	ADJ
cblr-9983	492	36	agencies	agency	NOUN
cblr-9983	492	37	,	,	PUNCT
cblr-9983	492	38	including	include	VERB
cblr-9983	492	39	a	a	DET
cblr-9983	492	40	“	"	PUNCT
cblr-9983	492	41	[	[	X
cblr-9983	492	42	c]ompetition	c]ompetition	NOUN
cblr-9983	492	43	in	in	ADP
cblr-9983	492	44	laxity	laxity	NOUN
cblr-9983	492	45	.	.	PUNCT
cblr-9983	493	1	”80	”80	PROPN
cblr-9983	493	2	the	the	DET
cblr-9983	493	3	ffiec	ffiec	NOUN
cblr-9983	493	4	was	be	AUX
cblr-9983	493	5	instructed	instruct	VERB
cblr-9983	493	6	to	to	PART
cblr-9983	493	7	“	"	PUNCT
cblr-9983	493	8	prescribe	prescribe	VERB
cblr-9983	493	9	uniform	uniform	ADJ
cblr-9983	493	10	principles	principle	NOUN
cblr-9983	493	11	and	and	CCONJ
cblr-9983	493	12	standards	standard	NOUN
cblr-9983	493	13	for	for	ADP
cblr-9983	493	14	the	the	DET
cblr-9983	493	15	federal	federal	ADJ
cblr-9983	493	16	examination	examination	NOUN
cblr-9983	493	17	of	of	ADP
cblr-9983	493	18	financial	financial	ADJ
cblr-9983	493	19	institutions	institution	NOUN
cblr-9983	493	20	”	"	PUNCT
cblr-9983	493	21	by	by	ADP
cblr-9983	493	22	the	the	DET
cblr-9983	493	23	federal	federal	ADJ
cblr-9983	493	24	financial	financial	ADJ
cblr-9983	493	25	regulatory	regulatory	ADJ
cblr-9983	493	26	agencies	agency	NOUN
cblr-9983	493	27	and	and	CCONJ
cblr-9983	493	28	“	"	PUNCT
cblr-9983	493	29	make	make	VERB
cblr-9983	493	30	recommendations	recommendation	NOUN
cblr-9983	493	31	to	to	PART
cblr-9983	493	32	promote	promote	VERB
cblr-9983	493	33	uniformity	uniformity	NOUN
cblr-9983	493	34	in	in	ADP
cblr-9983	493	35	the	the	DET
cblr-9983	493	36	supervision	supervision	NOUN
cblr-9983	493	37	of	of	ADP
cblr-9983	493	38	these	these	DET
cblr-9983	493	39	financial	financial	ADJ
cblr-9983	493	40	institutions	institution	NOUN
cblr-9983	493	41	.	.	PUNCT
cblr-9983	494	1	”81	”81	PROPN
cblr-9983	494	2	shortly	shortly	ADV
cblr-9983	494	3	after	after	ADP
cblr-9983	494	4	its	its	PRON
cblr-9983	494	5	creation	creation	NOUN
cblr-9983	494	6	,	,	PUNCT
cblr-9983	494	7	the	the	DET
cblr-9983	494	8	ffiec	ffiec	NOUN
cblr-9983	494	9	adopted	adopt	VERB
cblr-9983	494	10	the	the	DET
cblr-9983	494	11	camel	camel	NOUN
cblr-9983	494	12	system	system	NOUN
cblr-9983	494	13	,	,	PUNCT
cblr-9983	494	14	technically	technically	ADV
cblr-9983	494	15	known	know	VERB
cblr-9983	494	16	as	as	ADP
cblr-9983	494	17	the	the	DET
cblr-9983	494	18	uniform	uniform	ADJ
cblr-9983	494	19	financial	financial	ADJ
cblr-9983	494	20	institutions	institution	NOUN
cblr-9983	494	21	rating	rating	NOUN
cblr-9983	494	22	system	system	NOUN
cblr-9983	494	23	.	.	PUNCT
cblr-9983	495	1	the	the	DET
cblr-9983	495	2	system	system	NOUN
cblr-9983	495	3	was	be	AUX
cblr-9983	495	4	significantly	significantly	ADV
cblr-9983	495	5	,	,	PUNCT
cblr-9983	495	6	though	though	SCONJ
cblr-9983	495	7	not	not	PART
cblr-9983	495	8	fundamentally	fundamentally	ADV
cblr-9983	495	9	,	,	PUNCT
cblr-9983	495	10	revised	revise	VERB
cblr-9983	495	11	in	in	ADP
cblr-9983	495	12	1996.82	1996.82	NUM
cblr-9983	495	13	the	the	DET
cblr-9983	495	14	federal	federal	PROPN
cblr-9983	495	15	reserve	reserve	PROPN
cblr-9983	495	16	and	and	CCONJ
cblr-9983	495	17	the	the	DET
cblr-9983	495	18	fdic	fdic	PROPN
cblr-9983	495	19	have	have	AUX
cblr-9983	495	20	solicited	solicit	VERB
cblr-9983	495	21	80	80	NUM
cblr-9983	495	22	s.rep	s.rep	NOUN
cblr-9983	495	23	.	.	NOUN
cblr-9983	496	1	95	95	NUM
cblr-9983	496	2	-	-	SYM
cblr-9983	496	3	1273	1273	NUM
cblr-9983	496	4	,	,	PUNCT
cblr-9983	496	5	at	at	ADP
cblr-9983	496	6	6	6	NUM
cblr-9983	496	7	(	(	PUNCT
cblr-9983	496	8	1978	1978	NUM
cblr-9983	496	9	)	)	PUNCT
cblr-9983	496	10	;	;	PUNCT
cblr-9983	496	11	see	see	VERB
cblr-9983	496	12	bd	bd	PROPN
cblr-9983	496	13	.	.	PROPN
cblr-9983	496	14	of	of	ADP
cblr-9983	496	15	governors	governor	NOUN
cblr-9983	496	16	of	of	ADP
cblr-9983	496	17	the	the	DET
cblr-9983	496	18	fed	fed	PROPN
cblr-9983	496	19	.	.	PUNCT
cblr-9983	497	1	rsrv	rsrv	PROPN
cblr-9983	497	2	.	.	PUNCT
cblr-9983	498	1	sys	sys	PROPN
cblr-9983	498	2	.	.	PROPN
cblr-9983	498	3	,	,	PUNCT
cblr-9983	498	4	sr	sr	PROPN
cblr-9983	498	5	19	19	NUM
cblr-9983	498	6	-	-	SYM
cblr-9983	498	7	3	3	NUM
cblr-9983	498	8	,	,	PUNCT
cblr-9983	498	9	large	large	ADJ
cblr-9983	498	10	financial	financial	ADJ
cblr-9983	498	11	institution	institution	NOUN
cblr-9983	498	12	(	(	PUNCT
cblr-9983	498	13	lfi	lfi	NOUN
cblr-9983	498	14	)	)	PUNCT
cblr-9983	498	15	rating	rating	NOUN
cblr-9983	498	16	system	system	NOUN
cblr-9983	498	17	(	(	PUNCT
cblr-9983	498	18	feb	feb	PROPN
cblr-9983	498	19	.	.	PROPN
cblr-9983	498	20	26	26	NUM
cblr-9983	498	21	,	,	PUNCT
cblr-9983	498	22	2019	2019	NUM
cblr-9983	498	23	)	)	PUNCT
cblr-9983	498	24	,	,	PUNCT
cblr-9983	498	25	https://www.federalreserve.gov/supervisionreg/srletters/sr1903.htm	https://www.federalreserve.gov/supervisionreg/srletters/sr1903.htm	X
cblr-9983	499	1	[	[	X
cblr-9983	499	2	https://perma.cc/2n3d-3v8a	https://perma.cc/2n3d-3v8a	X
cblr-9983	499	3	]	]	X
cblr-9983	499	4	;	;	PUNCT
cblr-9983	499	5	large	large	ADJ
cblr-9983	499	6	financial	financial	ADJ
cblr-9983	499	7	institution	institution	NOUN
cblr-9983	499	8	rating	rating	NOUN
cblr-9983	499	9	system	system	NOUN
cblr-9983	499	10	;	;	PUNCT
cblr-9983	499	11	regulations	regulation	NOUN
cblr-9983	499	12	k	k	PROPN
cblr-9983	499	13	and	and	CCONJ
cblr-9983	499	14	ll	ll	AUX
cblr-9983	499	15	,	,	PUNCT
cblr-9983	499	16	83	83	NUM
cblr-9983	499	17	fed	feed	VERB
cblr-9983	499	18	.	.	PUNCT
cblr-9983	500	1	reg	reg	PROPN
cblr-9983	500	2	.	.	PUNCT
cblr-9983	501	1	58,724	58,724	NUM
cblr-9983	501	2	(	(	PUNCT
cblr-9983	501	3	nov	nov	PROPN
cblr-9983	501	4	.	.	PROPN
cblr-9983	501	5	28	28	NUM
cblr-9983	501	6	,	,	PUNCT
cblr-9983	501	7	2018	2018	NUM
cblr-9983	501	8	)	)	PUNCT
cblr-9983	501	9	(	(	PUNCT
cblr-9983	501	10	to	to	PART
cblr-9983	501	11	be	be	AUX
cblr-9983	501	12	codified	codify	VERB
cblr-9983	501	13	at	at	ADP
cblr-9983	501	14	12	12	NUM
cblr-9983	501	15	c.f.r	c.f.r	NOUN
cblr-9983	501	16	.	.	PUNCT
cblr-9983	502	1	pts	pts	PROPN
cblr-9983	502	2	.	.	PROPN
cblr-9983	502	3	211	211	NUM
cblr-9983	502	4	,	,	PUNCT
cblr-9983	502	5	238	238	NUM
cblr-9983	502	6	)	)	PUNCT
cblr-9983	502	7	.	.	PUNCT
cblr-9983	503	1	other	other	ADJ
cblr-9983	503	2	parts	part	NOUN
cblr-9983	503	3	of	of	ADP
cblr-9983	503	4	the	the	DET
cblr-9983	503	5	legislation	legislation	NOUN
cblr-9983	503	6	expanded	expand	VERB
cblr-9983	503	7	the	the	DET
cblr-9983	503	8	cease	cease	NOUN
cblr-9983	503	9	and	and	CCONJ
cblr-9983	503	10	desist	desist	VERB
cblr-9983	503	11	authority	authority	NOUN
cblr-9983	503	12	of	of	ADP
cblr-9983	503	13	the	the	DET
cblr-9983	503	14	agencies	agency	NOUN
cblr-9983	503	15	to	to	PART
cblr-9983	503	16	reach	reach	VERB
cblr-9983	503	17	officers	officer	NOUN
cblr-9983	503	18	and	and	CCONJ
cblr-9983	503	19	directors	director	NOUN
cblr-9983	503	20	of	of	ADP
cblr-9983	503	21	banking	banking	NOUN
cblr-9983	503	22	organizations	organization	NOUN
cblr-9983	503	23	,	,	PUNCT
cblr-9983	503	24	as	as	ADV
cblr-9983	503	25	well	well	ADV
cblr-9983	503	26	as	as	ADP
cblr-9983	503	27	the	the	DET
cblr-9983	503	28	banks	bank	NOUN
cblr-9983	503	29	themselves	themselves	PRON
cblr-9983	503	30	.	.	PUNCT
cblr-9983	504	1	for	for	ADP
cblr-9983	504	2	a	a	DET
cblr-9983	504	3	discussion	discussion	NOUN
cblr-9983	504	4	,	,	PUNCT
cblr-9983	504	5	see	see	VERB
cblr-9983	504	6	alan	alan	PROPN
cblr-9983	504	7	f.	f.	PROPN
cblr-9983	504	8	garrison	garrison	PROPN
cblr-9983	504	9	,	,	PUNCT
cblr-9983	504	10	note	note	VERB
cblr-9983	504	11	,	,	PUNCT
cblr-9983	504	12	the	the	DET
cblr-9983	504	13	financial	financial	ADJ
cblr-9983	504	14	institutions	institution	NOUN
cblr-9983	504	15	regulatory	regulatory	ADJ
cblr-9983	504	16	and	and	CCONJ
cblr-9983	504	17	interest	interest	NOUN
cblr-9983	504	18	rate	rate	NOUN
cblr-9983	504	19	control	control	PROPN
cblr-9983	504	20	act	act	PROPN
cblr-9983	504	21	of	of	ADP
cblr-9983	504	22	1978	1978	NUM
cblr-9983	504	23	,	,	PUNCT
cblr-9983	504	24	federal	federal	ADJ
cblr-9983	504	25	banking	banking	NOUN
cblr-9983	504	26	agencies	agency	NOUN
cblr-9983	504	27	,	,	PUNCT
cblr-9983	504	28	and	and	CCONJ
cblr-9983	504	29	the	the	DET
cblr-9983	504	30	judiciary	judiciary	NOUN
cblr-9983	504	31	:	:	PUNCT
cblr-9983	504	32	the	the	DET
cblr-9983	504	33	struggle	struggle	NOUN
cblr-9983	504	34	to	to	PART
cblr-9983	504	35	define	define	VERB
cblr-9983	504	36	the	the	DET
cblr-9983	504	37	limitation	limitation	NOUN
cblr-9983	504	38	of	of	ADP
cblr-9983	504	39	cease	cease	NOUN
cblr-9983	504	40	and	and	CCONJ
cblr-9983	504	41	desist	desist	VERB
cblr-9983	504	42	order	order	NOUN
cblr-9983	504	43	authority	authority	NOUN
cblr-9983	504	44	,	,	PUNCT
cblr-9983	504	45	44	44	NUM
cblr-9983	504	46	wash	wash	NOUN
cblr-9983	504	47	.	.	PUNCT
cblr-9983	504	48	&	&	CCONJ
cblr-9983	504	49	lee	lee	PROPN
cblr-9983	504	50	l.	l.	PROPN
cblr-9983	504	51	rev	rev	PROPN
cblr-9983	504	52	.	.	PROPN
cblr-9983	504	53	1357	1357	NUM
cblr-9983	504	54	(	(	PUNCT
cblr-9983	504	55	1987	1987	NUM
cblr-9983	504	56	)	)	PUNCT
cblr-9983	504	57	.	.	PUNCT
cblr-9983	505	1	81	81	NUM
cblr-9983	505	2	pub	pub	NOUN
cblr-9983	505	3	.	.	PUNCT
cblr-9983	506	1	l.	l.	NOUN
cblr-9983	507	1	no	no	DET
cblr-9983	507	2	95	95	NUM
cblr-9983	507	3	-	-	SYM
cblr-9983	507	4	630	630	NUM
cblr-9983	507	5	,	,	PUNCT
cblr-9983	507	6	§	§	PROPN
cblr-9983	507	7	1002	1002	NUM
cblr-9983	507	8	,	,	PUNCT
cblr-9983	507	9	92	92	NUM
cblr-9983	507	10	stat	stat	NOUN
cblr-9983	507	11	.	.	PUNCT
cblr-9983	508	1	3641	3641	NUM
cblr-9983	508	2	,	,	PUNCT
cblr-9983	508	3	3694	3694	NUM
cblr-9983	508	4	(	(	PUNCT
cblr-9983	508	5	codified	codify	VERB
cblr-9983	508	6	at	at	ADP
cblr-9983	508	7	12	12	NUM
cblr-9983	508	8	u.s.c	u.s.c	NOUN
cblr-9983	508	9	.	.	PUNCT
cblr-9983	509	1	§	§	PROPN
cblr-9983	509	2	3301	3301	NUM
cblr-9983	509	3	)	)	PUNCT
cblr-9983	509	4	.	.	PUNCT
cblr-9983	510	1	82	82	NUM
cblr-9983	511	1	in	in	ADP
cblr-9983	511	2	addition	addition	NOUN
cblr-9983	511	3	to	to	ADP
cblr-9983	511	4	modifying	modify	VERB
cblr-9983	511	5	a	a	DET
cblr-9983	511	6	number	number	NOUN
cblr-9983	511	7	of	of	ADP
cblr-9983	511	8	descriptions	description	NOUN
cblr-9983	511	9	and	and	CCONJ
cblr-9983	511	10	definitions	definition	NOUN
cblr-9983	511	11	,	,	PUNCT
cblr-9983	511	12	the	the	DET
cblr-9983	511	13	1996	1996	NUM
cblr-9983	511	14	changes	change	NOUN
cblr-9983	511	15	added	add	VERB
cblr-9983	511	16	the	the	DET
cblr-9983	511	17	“	"	PUNCT
cblr-9983	511	18	s	s	NOUN
cblr-9983	511	19	”	"	PUNCT
cblr-9983	511	20	in	in	ADP
cblr-9983	511	21	the	the	DET
cblr-9983	511	22	form	form	NOUN
cblr-9983	511	23	of	of	ADP
cblr-9983	511	24	the	the	DET
cblr-9983	511	25	component	component	NOUN
cblr-9983	511	26	of	of	ADP
cblr-9983	511	27	sensitivity	sensitivity	NOUN
cblr-9983	511	28	to	to	PART
cblr-9983	511	29	market	market	NOUN
cblr-9983	511	30	risk	risk	NOUN
cblr-9983	511	31	and	and	CCONJ
cblr-9983	511	32	increased	increase	VERB
cblr-9983	511	33	the	the	DET
cblr-9983	511	34	emphasis	emphasis	NOUN
cblr-9983	511	35	on	on	ADP
cblr-9983	511	36	risk	risk	NOUN
cblr-9983	511	37	management	management	NOUN
cblr-9983	511	38	practices	practice	NOUN
cblr-9983	511	39	in	in	ADP
cblr-9983	511	40	each	each	DET
cblr-9983	511	41	component	component	NOUN
cblr-9983	511	42	,	,	PUNCT
cblr-9983	511	43	particularly	particularly	ADV
cblr-9983	511	44	management	management	NOUN
cblr-9983	511	45	.	.	PUNCT
cblr-9983	512	1	these	these	DET
cblr-9983	512	2	changes	change	NOUN
cblr-9983	512	3	were	be	AUX
cblr-9983	512	4	made	make	VERB
cblr-9983	512	5	through	through	ADP
cblr-9983	512	6	a	a	DET
cblr-9983	512	7	notice	notice	NOUN
cblr-9983	512	8	-	-	PUNCT
cblr-9983	512	9	and	and	CCONJ
cblr-9983	512	10	-	-	PUNCT
cblr-9983	512	11	comment	comment	NOUN
cblr-9983	512	12	procedure	procedure	NOUN
cblr-9983	512	13	.	.	PUNCT
cblr-9983	513	1	uniform	uniform	ADJ
cblr-9983	513	2	financial	financial	ADJ
cblr-9983	513	3	institutions	institution	NOUN
cblr-9983	513	4	rating	rating	NOUN
cblr-9983	513	5	system	system	NOUN
cblr-9983	513	6	,	,	PUNCT
cblr-9983	513	7	61	61	NUM
cblr-9983	513	8	fed	feed	VERB
cblr-9983	513	9	.	.	PUNCT
cblr-9983	514	1	reg	reg	PROPN
cblr-9983	514	2	.	.	PROPN
cblr-9983	515	1	37,472	37,472	NUM
cblr-9983	515	2	(	(	PUNCT
cblr-9983	515	3	notice	notice	NOUN
cblr-9983	515	4	july	july	PROPN
cblr-9983	515	5	18	18	NUM
cblr-9983	515	6	,	,	PUNCT
cblr-9983	515	7	1996	1996	NUM
cblr-9983	515	8	)	)	PUNCT
cblr-9983	515	9	;	;	PUNCT
cblr-9983	515	10	uniform	uniform	ADJ
cblr-9983	515	11	financial	financial	ADJ
cblr-9983	515	12	institutions	institution	NOUN
cblr-9983	515	13	rating	rating	NOUN
cblr-9983	515	14	system	system	NOUN
cblr-9983	515	15	,	,	PUNCT
cblr-9983	515	16	61	61	NUM
cblr-9983	515	17	fed	feed	VERB
cblr-9983	515	18	.	.	PUNCT
cblr-9983	516	1	reg	reg	PROPN
cblr-9983	516	2	.	.	PROPN
cblr-9983	517	1	67,021	67,021	NUM
cblr-9983	517	2	(	(	PUNCT
cblr-9983	517	3	notice	notice	VERB
cblr-9983	517	4	dec	dec	PROPN
cblr-9983	517	5	.	.	PROPN
cblr-9983	517	6	19	19	NUM
cblr-9983	517	7	,	,	PUNCT
cblr-9983	517	8	1996	1996	NUM
cblr-9983	517	9	)	)	PUNCT
cblr-9983	517	10	.	.	PUNCT
cblr-9983	518	1	while	while	SCONJ
cblr-9983	518	2	notice	notice	NOUN
cblr-9983	518	3	-	-	PUNCT
cblr-9983	518	4	and	and	CCONJ
cblr-9983	518	5	-	-	PUNCT
cblr-9983	518	6	comment	comment	NOUN
cblr-9983	518	7	procedures	procedure	NOUN
cblr-9983	518	8	were	be	AUX
cblr-9983	518	9	followed	follow	VERB
cblr-9983	518	10	,	,	PUNCT
cblr-9983	518	11	ffiec	ffiec	NOUN
cblr-9983	518	12	did	do	AUX
cblr-9983	518	13	not	not	PART
cblr-9983	518	14	characterize	characterize	VERB
cblr-9983	518	15	its	its	PRON
cblr-9983	518	16	action	action	NOUN
cblr-9983	518	17	as	as	ADP
cblr-9983	518	18	a	a	DET
cblr-9983	518	19	rulemaking	rulemaking	NOUN
cblr-9983	518	20	.	.	PUNCT
cblr-9983	519	1	its	its	PRON
cblr-9983	519	2	authorizing	authorize	VERB
cblr-9983	519	3	statute	statute	NOUN
cblr-9983	519	4	is	be	AUX
cblr-9983	519	5	ambiguous	ambiguous	ADJ
cblr-9983	519	6	as	as	ADP
cblr-9983	519	7	to	to	ADP
cblr-9983	519	8	the	the	DET
cblr-9983	519	9	extent	extent	NOUN
cblr-9983	519	10	of	of	ADP
cblr-9983	519	11	rule	rule	NOUN
cblr-9983	519	12	-	-	PUNCT
cblr-9983	519	13	making	make	VERB
cblr-9983	519	14	authority	authority	NOUN
cblr-9983	519	15	by	by	ADP
cblr-9983	519	16	ffiec	ffiec	NOUN
cblr-9983	519	17	itself	itself	PRON
cblr-9983	519	18	(	(	PUNCT
cblr-9983	519	19	as	as	SCONJ
cblr-9983	519	20	opposed	oppose	VERB
cblr-9983	519	21	to	to	ADP
cblr-9983	519	22	its	its	PRON
cblr-9983	519	23	constituent	constituent	NOUN
cblr-9983	519	24	agencies	agency	NOUN
cblr-9983	519	25	)	)	PUNCT
cblr-9983	519	26	.	.	PUNCT
cblr-9983	520	1	the	the	DET
cblr-9983	520	2	banking	banking	NOUN
cblr-9983	520	3	agencies	agency	NOUN
cblr-9983	520	4	quickly	quickly	ADV
cblr-9983	520	5	implemented	implement	VERB
cblr-9983	520	6	the	the	DET
cblr-9983	520	7	new	new	ADJ
cblr-9983	520	8	standards	standard	NOUN
cblr-9983	520	9	,	,	PUNCT
cblr-9983	520	10	which	which	PRON
cblr-9983	520	11	remain	remain	VERB
cblr-9983	520	12	in	in	ADP
cblr-9983	520	13	place	place	NOUN
cblr-9983	520	14	today	today	NOUN
cblr-9983	520	15	.	.	PUNCT
cblr-9983	521	1	the	the	DET
cblr-9983	521	2	three	three	NUM
cblr-9983	521	3	banking	banking	NOUN
cblr-9983	521	4	agencies	agency	NOUN
cblr-9983	521	5	quickly	quickly	ADV
cblr-9983	521	6	adopted	adopt	VERB
cblr-9983	521	7	the	the	DET
cblr-9983	521	8	new	new	ADJ
cblr-9983	521	9	standards	standard	NOUN
cblr-9983	521	10	to	to	PART
cblr-9983	521	11	be	be	AUX
cblr-9983	521	12	effective	effective	ADJ
cblr-9983	521	13	january	january	PROPN
cblr-9983	521	14	1	1	NUM
cblr-9983	521	15	,	,	PUNCT
cblr-9983	521	16	1997	1997	NUM
cblr-9983	521	17	,	,	PUNCT
cblr-9983	521	18	but	but	CCONJ
cblr-9983	521	19	did	do	VERB
cblr-9983	521	20	so	so	ADV
cblr-9983	521	21	in	in	ADP
cblr-9983	521	22	different	different	ADJ
cblr-9983	521	23	ways	way	NOUN
cblr-9983	521	24	.	.	PUNCT
cblr-9983	522	1	the	the	DET
cblr-9983	522	2	fdic	fdic	PROPN
cblr-9983	522	3	published	publish	VERB
cblr-9983	522	4	the	the	DET
cblr-9983	522	5	text	text	NOUN
cblr-9983	522	6	of	of	ADP
cblr-9983	522	7	the	the	DET
cblr-9983	522	8	revised	revise	VERB
cblr-9983	522	9	ffiec	ffiec	NOUN
cblr-9983	522	10	standards	standard	NOUN
cblr-9983	522	11	in	in	ADP
cblr-9983	522	12	the	the	DET
cblr-9983	522	13	federal	federal	ADJ
cblr-9983	522	14	register	register	NOUN
cblr-9983	522	15	,	,	PUNCT
cblr-9983	522	16	characterizing	characterize	VERB
cblr-9983	522	17	it	it	PRON
cblr-9983	522	18	as	as	ADP
cblr-9983	522	19	a	a	DET
cblr-9983	522	20	“	"	PUNCT
cblr-9983	522	21	policy	policy	NOUN
cblr-9983	522	22	statement	statement	NOUN
cblr-9983	522	23	.	.	PUNCT
cblr-9983	522	24	”	"	PUNCT
cblr-9983	523	1	308	308	NUM
cblr-9983	523	2	columbia	columbia	PROPN
cblr-9983	523	3	business	business	NOUN
cblr-9983	523	4	law	law	PROPN
cblr-9983	523	5	review	review	NOUN
cblr-9983	523	6	[	[	X
cblr-9983	523	7	vol	vol	NOUN
cblr-9983	523	8	.	.	PUNCT
cblr-9983	523	9	2022	2022	NUM
cblr-9983	523	10	public	public	ADJ
cblr-9983	523	11	comment	comment	NOUN
cblr-9983	523	12	on	on	ADP
cblr-9983	523	13	the	the	DET
cblr-9983	523	14	use	use	NOUN
cblr-9983	523	15	and	and	CCONJ
cblr-9983	523	16	impact	impact	NOUN
cblr-9983	523	17	of	of	ADP
cblr-9983	523	18	ratings	rating	NOUN
cblr-9983	523	19	,	,	PUNCT
cblr-9983	523	20	which	which	PRON
cblr-9983	523	21	could	could	AUX
cblr-9983	523	22	be	be	AUX
cblr-9983	523	23	a	a	DET
cblr-9983	523	24	prelude	prelude	NOUN
cblr-9983	523	25	to	to	ADP
cblr-9983	523	26	another	another	DET
cblr-9983	523	27	significant	significant	ADJ
cblr-9983	523	28	revision.83	revision.83	NOUN
cblr-9983	523	29	under	under	ADP
cblr-9983	523	30	the	the	DET
cblr-9983	523	31	revised	revise	VERB
cblr-9983	523	32	camels	camel	NOUN
cblr-9983	523	33	system	system	NOUN
cblr-9983	523	34	,	,	PUNCT
cblr-9983	523	35	which	which	PRON
cblr-9983	523	36	added	add	VERB
cblr-9983	523	37	an	an	DET
cblr-9983	523	38	“	"	PUNCT
cblr-9983	523	39	s	s	NOUN
cblr-9983	523	40	”	"	PUNCT
cblr-9983	523	41	to	to	ADP
cblr-9983	523	42	the	the	DET
cblr-9983	523	43	old	old	ADJ
cblr-9983	523	44	camel	camel	NOUN
cblr-9983	523	45	system	system	NOUN
cblr-9983	523	46	,	,	PUNCT
cblr-9983	523	47	examiners	examiner	NOUN
cblr-9983	523	48	rate	rate	VERB
cblr-9983	523	49	capital	capital	NOUN
cblr-9983	523	50	,	,	PUNCT
cblr-9983	523	51	asset	asset	NOUN
cblr-9983	523	52	quality	quality	NOUN
cblr-9983	523	53	,	,	PUNCT
cblr-9983	523	54	management	management	NOUN
cblr-9983	523	55	,	,	PUNCT
cblr-9983	523	56	earnings	earning	NOUN
cblr-9983	523	57	,	,	PUNCT
cblr-9983	523	58	liquidity	liquidity	NOUN
cblr-9983	523	59	,	,	PUNCT
cblr-9983	523	60	and	and	CCONJ
cblr-9983	523	61	sensitivity	sensitivity	NOUN
cblr-9983	523	62	to	to	PART
cblr-9983	523	63	market	market	NOUN
cblr-9983	523	64	risk	risk	NOUN
cblr-9983	523	65	on	on	ADP
cblr-9983	523	66	a	a	DET
cblr-9983	523	67	one	one	NUM
cblr-9983	523	68	-	-	PUNCT
cblr-9983	523	69	to	to	ADP
cblr-9983	523	70	-	-	PUNCT
cblr-9983	523	71	five	five	NUM
cblr-9983	523	72	scale	scale	NOUN
cblr-9983	523	73	.	.	PUNCT
cblr-9983	524	1	each	each	DET
cblr-9983	524	2	bank	bank	NOUN
cblr-9983	524	3	is	be	AUX
cblr-9983	524	4	given	give	VERB
cblr-9983	524	5	a	a	DET
cblr-9983	524	6	composite	composite	ADJ
cblr-9983	524	7	rating	rating	NOUN
cblr-9983	524	8	on	on	ADP
cblr-9983	524	9	the	the	DET
cblr-9983	524	10	same	same	ADJ
cblr-9983	524	11	scale	scale	NOUN
cblr-9983	524	12	.	.	PUNCT
cblr-9983	525	1	the	the	DET
cblr-9983	525	2	ratings	rating	NOUN
cblr-9983	525	3	process	process	NOUN
cblr-9983	525	4	differs	differ	VERB
cblr-9983	525	5	somewhat	somewhat	ADV
cblr-9983	525	6	among	among	ADP
cblr-9983	525	7	the	the	DET
cblr-9983	525	8	three	three	NUM
cblr-9983	525	9	banking	banking	NOUN
cblr-9983	525	10	agencies	agency	NOUN
cblr-9983	525	11	,	,	PUNCT
cblr-9983	525	12	and	and	CCONJ
cblr-9983	525	13	among	among	ADP
cblr-9983	525	14	portfolios	portfolio	NOUN
cblr-9983	525	15	within	within	ADP
cblr-9983	525	16	agencies	agency	NOUN
cblr-9983	525	17	.	.	PUNCT
cblr-9983	526	1	roughly	roughly	ADV
cblr-9983	526	2	speaking	speak	VERB
cblr-9983	526	3	,	,	PUNCT
cblr-9983	526	4	though	though	ADV
cblr-9983	526	5	,	,	PUNCT
cblr-9983	526	6	the	the	DET
cblr-9983	526	7	relevant	relevant	ADJ
cblr-9983	526	8	team	team	NOUN
cblr-9983	526	9	—	—	PUNCT
cblr-9983	526	10	whether	whether	SCONJ
cblr-9983	526	11	one	one	NUM
cblr-9983	526	12	with	with	ADP
cblr-9983	526	13	a	a	DET
cblr-9983	526	14	continuing	continue	VERB
cblr-9983	526	15	presence	presence	NOUN
cblr-9983	526	16	in	in	ADP
cblr-9983	526	17	a	a	DET
cblr-9983	526	18	large	large	ADJ
cblr-9983	526	19	bank	bank	NOUN
cblr-9983	526	20	or	or	CCONJ
cblr-9983	526	21	a	a	DET
cblr-9983	526	22	group	group	NOUN
cblr-9983	526	23	assembled	assemble	VERB
cblr-9983	526	24	for	for	ADP
cblr-9983	526	25	an	an	DET
cblr-9983	526	26	annual	annual	ADJ
cblr-9983	526	27	examination	examination	NOUN
cblr-9983	526	28	—	—	PUNCT
cblr-9983	526	29	recommends	recommend	VERB
cblr-9983	526	30	ratings	rating	NOUN
cblr-9983	526	31	,	,	PUNCT
cblr-9983	526	32	which	which	PRON
cblr-9983	526	33	are	be	AUX
cblr-9983	526	34	then	then	ADV
cblr-9983	526	35	subject	subject	ADJ
cblr-9983	526	36	to	to	ADP
cblr-9983	526	37	some	some	DET
cblr-9983	526	38	form	form	NOUN
cblr-9983	526	39	of	of	ADP
cblr-9983	526	40	review	review	NOUN
cblr-9983	526	41	by	by	ADP
cblr-9983	526	42	senior	senior	ADJ
cblr-9983	526	43	supervisory	supervisory	ADJ
cblr-9983	526	44	officials	official	NOUN
cblr-9983	526	45	in	in	ADP
cblr-9983	526	46	the	the	DET
cblr-9983	526	47	regional	regional	ADJ
cblr-9983	526	48	offices	office	NOUN
cblr-9983	526	49	of	of	ADP
cblr-9983	526	50	the	the	DET
cblr-9983	526	51	agencies	agency	NOUN
cblr-9983	526	52	(	(	PUNCT
cblr-9983	526	53	or	or	CCONJ
cblr-9983	526	54	,	,	PUNCT
cblr-9983	526	55	in	in	ADP
cblr-9983	526	56	the	the	DET
cblr-9983	526	57	case	case	NOUN
cblr-9983	526	58	of	of	ADP
cblr-9983	526	59	the	the	DET
cblr-9983	526	60	federal	federal	PROPN
cblr-9983	526	61	reserve	reserve	PROPN
cblr-9983	526	62	,	,	PUNCT
cblr-9983	526	63	the	the	DET
cblr-9983	526	64	regional	regional	PROPN
cblr-9983	526	65	reserve	reserve	NOUN
cblr-9983	526	66	banks	bank	NOUN
cblr-9983	526	67	)	)	PUNCT
cblr-9983	526	68	and	and	CCONJ
cblr-9983	526	69	washington	washington	PROPN
cblr-9983	526	70	.	.	PUNCT
cblr-9983	527	1	the	the	DET
cblr-9983	527	2	federal	federal	PROPN
cblr-9983	527	3	reserve	reserve	PROPN
cblr-9983	527	4	has	have	VERB
cblr-9983	527	5	two	two	NUM
cblr-9983	527	6	rating	rating	NOUN
cblr-9983	527	7	systems	system	NOUN
cblr-9983	527	8	for	for	ADP
cblr-9983	527	9	bank	bank	NOUN
cblr-9983	527	10	holding	hold	VERB
cblr-9983	527	11	companies	company	NOUN
cblr-9983	527	12	:	:	PUNCT
cblr-9983	527	13	one	one	NUM
cblr-9983	527	14	for	for	ADP
cblr-9983	527	15	most	most	ADJ
cblr-9983	527	16	holding	hold	VERB
cblr-9983	527	17	companies	company	NOUN
cblr-9983	527	18	and	and	CCONJ
cblr-9983	527	19	one	one	NUM
cblr-9983	527	20	for	for	ADP
cblr-9983	527	21	“	"	PUNCT
cblr-9983	527	22	large	large	ADJ
cblr-9983	527	23	financial	financial	ADJ
cblr-9983	527	24	institutions	institution	NOUN
cblr-9983	527	25	”	"	PUNCT
cblr-9983	527	26	(	(	PUNCT
cblr-9983	527	27	lfi	lfi	PROPN
cblr-9983	527	28	)	)	PUNCT
cblr-9983	527	29	,	,	PUNCT
cblr-9983	527	30	which	which	PRON
cblr-9983	527	31	are	be	AUX
cblr-9983	527	32	generally	generally	ADV
cblr-9983	527	33	those	those	PRON
cblr-9983	527	34	with	with	ADP
cblr-9983	527	35	more	more	ADJ
cblr-9983	527	36	than	than	ADP
cblr-9983	527	37	$	$	SYM
cblr-9983	527	38	100	100	NUM
cblr-9983	527	39	billion	billion	NUM
cblr-9983	527	40	in	in	ADP
cblr-9983	527	41	assets	asset	NOUN
cblr-9983	527	42	.	.	PUNCT
cblr-9983	528	1	the	the	DET
cblr-9983	528	2	first	first	ADJ
cblr-9983	528	3	is	be	AUX
cblr-9983	528	4	the	the	DET
cblr-9983	528	5	rfi	rfi	PROPN
cblr-9983	528	6	/	/	SYM
cblr-9983	528	7	c(d	c(d	PROPN
cblr-9983	528	8	)	)	PUNCT
cblr-9983	528	9	rating	rating	NOUN
cblr-9983	528	10	system	system	NOUN
cblr-9983	528	11	,	,	PUNCT
cblr-9983	528	12	established	establish	VERB
cblr-9983	528	13	in	in	ADP
cblr-9983	528	14	2004	2004	NUM
cblr-9983	528	15	,	,	PUNCT
cblr-9983	528	16	which	which	PRON
cblr-9983	528	17	uses	use	VERB
cblr-9983	528	18	the	the	DET
cblr-9983	528	19	same	same	ADJ
cblr-9983	528	20	numerical	numerical	ADJ
cblr-9983	528	21	ranking	ranking	NOUN
cblr-9983	528	22	as	as	ADP
cblr-9983	528	23	camels	camel	NOUN
cblr-9983	528	24	:	:	PUNCT
cblr-9983	528	25	the	the	DET
cblr-9983	528	26	components	component	NOUN
cblr-9983	528	27	are	be	AUX
cblr-9983	528	28	risk	risk	NOUN
cblr-9983	528	29	management	management	NOUN
cblr-9983	528	30	,	,	PUNCT
cblr-9983	528	31	financial	financial	ADJ
cblr-9983	528	32	condition	condition	NOUN
cblr-9983	528	33	,	,	PUNCT
cblr-9983	528	34	and	and	CCONJ
cblr-9983	528	35	potential	potential	ADJ
cblr-9983	528	36	impact	impact	NOUN
cblr-9983	528	37	of	of	ADP
cblr-9983	528	38	the	the	DET
cblr-9983	528	39	non	non	ADJ
cblr-9983	528	40	-	-	ADJ
cblr-9983	528	41	bank	bank	ADJ
cblr-9983	528	42	affiliates	affiliate	NOUN
cblr-9983	528	43	on	on	ADP
cblr-9983	528	44	the	the	DET
cblr-9983	528	45	depository	depository	NOUN
cblr-9983	528	46	institution(s	institution(s	PROPN
cblr-9983	528	47	)	)	PUNCT
cblr-9983	528	48	uniform	uniform	ADJ
cblr-9983	528	49	financial	financial	ADJ
cblr-9983	528	50	institutions	institution	NOUN
cblr-9983	528	51	rating	rating	NOUN
cblr-9983	528	52	system	system	NOUN
cblr-9983	528	53	,	,	PUNCT
cblr-9983	528	54	62	62	NUM
cblr-9983	528	55	fed	feed	VERB
cblr-9983	528	56	.	.	PUNCT
cblr-9983	529	1	reg	reg	NOUN
cblr-9983	529	2	.	.	PUNCT
cblr-9983	530	1	752	752	NUM
cblr-9983	530	2	(	(	PUNCT
cblr-9983	530	3	notice	notice	PROPN
cblr-9983	530	4	jan	jan	PROPN
cblr-9983	530	5	.	.	PROPN
cblr-9983	530	6	6	6	NUM
cblr-9983	530	7	,	,	PUNCT
cblr-9983	530	8	1997	1997	NUM
cblr-9983	530	9	)	)	PUNCT
cblr-9983	530	10	.	.	PUNCT
cblr-9983	531	1	the	the	DET
cblr-9983	531	2	federal	federal	PROPN
cblr-9983	531	3	reserve	reserve	PROPN
cblr-9983	531	4	simply	simply	ADV
cblr-9983	531	5	issued	issue	VERB
cblr-9983	531	6	a	a	DET
cblr-9983	531	7	brief	brief	ADJ
cblr-9983	531	8	press	press	NOUN
cblr-9983	531	9	release	release	NOUN
cblr-9983	531	10	noting	note	VERB
cblr-9983	531	11	its	its	PRON
cblr-9983	531	12	adoption	adoption	NOUN
cblr-9983	531	13	of	of	ADP
cblr-9983	531	14	the	the	DET
cblr-9983	531	15	new	new	ADJ
cblr-9983	531	16	standards	standard	NOUN
cblr-9983	531	17	,	,	PUNCT
cblr-9983	531	18	which	which	PRON
cblr-9983	531	19	were	be	AUX
cblr-9983	531	20	attached	attach	VERB
cblr-9983	531	21	to	to	ADP
cblr-9983	531	22	the	the	DET
cblr-9983	531	23	release	release	NOUN
cblr-9983	531	24	.	.	PUNCT
cblr-9983	532	1	press	press	NOUN
cblr-9983	532	2	release	release	NOUN
cblr-9983	532	3	,	,	PUNCT
cblr-9983	532	4	bd	bd	PROPN
cblr-9983	532	5	.	.	PROPN
cblr-9983	532	6	of	of	ADP
cblr-9983	532	7	governors	governor	NOUN
cblr-9983	532	8	of	of	ADP
cblr-9983	532	9	the	the	DET
cblr-9983	532	10	fed	fed	PROPN
cblr-9983	532	11	.	.	PUNCT
cblr-9983	532	12	rsrv	rsrv	PROPN
cblr-9983	532	13	.	.	PUNCT
cblr-9983	533	1	(	(	PUNCT
cblr-9983	533	2	dec	dec	PROPN
cblr-9983	533	3	.	.	PROPN
cblr-9983	533	4	24	24	NUM
cblr-9983	533	5	,	,	PUNCT
cblr-9983	533	6	1996	1996	NUM
cblr-9983	533	7	)	)	PUNCT
cblr-9983	533	8	,	,	PUNCT
cblr-9983	533	9	https://www.occ.gov/news-issuances/news-releases/1997/nr-occ-199729.html	https://www.occ.gov/news-issuances/news-releases/1997/nr-occ-199729.html	PUNCT
cblr-9983	534	1	[	[	X
cblr-9983	534	2	https://perma.cc/6wq5-lqaq	https://perma.cc/6wq5-lqaq	X
cblr-9983	534	3	]	]	X
cblr-9983	534	4	.	.	PUNCT
cblr-9983	535	1	the	the	DET
cblr-9983	535	2	occ	occ	NOUN
cblr-9983	535	3	does	do	AUX
cblr-9983	535	4	not	not	PART
cblr-9983	535	5	appear	appear	VERB
cblr-9983	535	6	to	to	PART
cblr-9983	535	7	have	have	AUX
cblr-9983	535	8	issued	issue	VERB
cblr-9983	535	9	any	any	DET
cblr-9983	535	10	public	public	ADJ
cblr-9983	535	11	notice	notice	NOUN
cblr-9983	535	12	at	at	ADV
cblr-9983	535	13	all	all	ADV
cblr-9983	535	14	,	,	PUNCT
cblr-9983	535	15	though	though	SCONJ
cblr-9983	535	16	in	in	ADP
cblr-9983	535	17	march	march	PROPN
cblr-9983	535	18	1997	1997	NUM
cblr-9983	535	19	,	,	PUNCT
cblr-9983	535	20	it	it	PRON
cblr-9983	535	21	issued	issue	VERB
cblr-9983	535	22	a	a	DET
cblr-9983	535	23	q	q	NOUN
cblr-9983	535	24	&	&	CCONJ
cblr-9983	535	25	a	a	PRON
cblr-9983	535	26	clarifying	clarify	VERB
cblr-9983	535	27	some	some	DET
cblr-9983	535	28	issues	issue	NOUN
cblr-9983	535	29	that	that	PRON
cblr-9983	535	30	had	have	AUX
cblr-9983	535	31	been	be	AUX
cblr-9983	535	32	raised	raise	VERB
cblr-9983	535	33	by	by	ADP
cblr-9983	535	34	the	the	DET
cblr-9983	535	35	new	new	ADJ
cblr-9983	535	36	system	system	NOUN
cblr-9983	535	37	,	,	PUNCT
cblr-9983	535	38	which	which	PRON
cblr-9983	535	39	it	it	PRON
cblr-9983	535	40	noted	note	VERB
cblr-9983	535	41	had	have	AUX
cblr-9983	535	42	been	be	AUX
cblr-9983	535	43	in	in	ADP
cblr-9983	535	44	effect	effect	NOUN
cblr-9983	535	45	since	since	SCONJ
cblr-9983	535	46	january	january	PROPN
cblr-9983	535	47	1	1	NUM
cblr-9983	535	48	.	.	PUNCT
cblr-9983	535	49	news	news	NOUN
cblr-9983	535	50	release	release	NOUN
cblr-9983	535	51	1997	1997	NUM
cblr-9983	535	52	-	-	SYM
cblr-9983	535	53	29	29	NUM
cblr-9983	535	54	,	,	PUNCT
cblr-9983	535	55	off	off	ADV
cblr-9983	535	56	.	.	PUNCT
cblr-9983	536	1	of	of	ADP
cblr-9983	536	2	the	the	DET
cblr-9983	536	3	comptroller	comptroller	NOUN
cblr-9983	536	4	of	of	ADP
cblr-9983	536	5	the	the	DET
cblr-9983	536	6	currency	currency	NOUN
cblr-9983	536	7	,	,	PUNCT
cblr-9983	536	8	common	common	ADJ
cblr-9983	536	9	camels	camel	NOUN
cblr-9983	536	10	questions	question	NOUN
cblr-9983	536	11	answered	answer	VERB
cblr-9983	536	12	(	(	PUNCT
cblr-9983	536	13	mar	mar	PROPN
cblr-9983	536	14	.	.	PROPN
cblr-9983	536	15	17	17	NUM
cblr-9983	536	16	,	,	PUNCT
cblr-9983	536	17	1997	1997	NUM
cblr-9983	536	18	)	)	PUNCT
cblr-9983	536	19	,	,	PUNCT
cblr-9983	536	20	https://www.occ.gov/news-issuances/news-releases/1997/nr-occ1997-29.html	https://www.occ.gov/news-issuances/news-releases/1997/nr-occ1997-29.html	PROPN
cblr-9983	536	21	.	.	PUNCT
cblr-9983	537	1	[	[	X
cblr-9983	537	2	https://perma.cc/4dsl-dca3	https://perma.cc/4dsl-dca3	NOUN
cblr-9983	537	3	]	]	PUNCT
cblr-9983	537	4	.	.	PUNCT
cblr-9983	537	5	83	83	NUM
cblr-9983	537	6	press	press	NOUN
cblr-9983	537	7	release	release	NOUN
cblr-9983	537	8	,	,	PUNCT
cblr-9983	537	9	bd	bd	PROPN
cblr-9983	537	10	.	.	PROPN
cblr-9983	537	11	of	of	ADP
cblr-9983	537	12	governors	governor	NOUN
cblr-9983	537	13	of	of	ADP
cblr-9983	537	14	the	the	DET
cblr-9983	537	15	federal	federal	ADJ
cblr-9983	537	16	rsrv	rsrv	NOUN
cblr-9983	537	17	.	.	PUNCT
cblr-9983	538	1	sys	sys	PROPN
cblr-9983	538	2	.	.	PROPN
cblr-9983	538	3	&	&	CCONJ
cblr-9983	538	4	fed	fed	PROPN
cblr-9983	538	5	.	.	PUNCT
cblr-9983	539	1	deposit	deposit	PROPN
cblr-9983	539	2	ins	ins	PROPN
cblr-9983	539	3	.	.	PUNCT
cblr-9983	539	4	corp	corp	PROPN
cblr-9983	539	5	.	.	PROPN
cblr-9983	539	6	,	,	PUNCT
cblr-9983	539	7	fdic	fdic	PROPN
cblr-9983	539	8	and	and	CCONJ
cblr-9983	539	9	federal	federal	PROPN
cblr-9983	539	10	reserve	reserve	PROPN
cblr-9983	539	11	request	request	NOUN
cblr-9983	539	12	information	information	NOUN
cblr-9983	539	13	on	on	ADP
cblr-9983	539	14	use	use	NOUN
cblr-9983	539	15	and	and	CCONJ
cblr-9983	539	16	impact	impact	NOUN
cblr-9983	539	17	of	of	ADP
cblr-9983	539	18	camels	camel	NOUN
cblr-9983	539	19	ratings	rating	NOUN
cblr-9983	539	20	(	(	PUNCT
cblr-9983	539	21	oct	oct	PROPN
cblr-9983	539	22	.	.	PROPN
cblr-9983	539	23	18	18	NUM
cblr-9983	539	24	,	,	PUNCT
cblr-9983	539	25	2019	2019	NUM
cblr-9983	539	26	)	)	PUNCT
cblr-9983	539	27	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20191018a	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20191018a	PROPN
cblr-9983	539	28	.	.	PUNCT
cblr-9983	540	1	htm	htm	PROPN
cblr-9983	540	2	.	.	PUNCT
cblr-9983	541	1	[	[	X
cblr-9983	541	2	https://perma.cc/57s2-cmgt	https://perma.cc/57s2-cmgt	NOUN
cblr-9983	541	3	]	]	PUNCT
cblr-9983	541	4	.	.	PUNCT
cblr-9983	542	1	no	no	INTJ
cblr-9983	542	2	.	.	PUNCT
cblr-9983	543	1	1:279	1:279	NOUN
cblr-9983	543	2	]	]	X
cblr-9983	543	3	bank	bank	NOUN
cblr-9983	543	4	supervision	supervision	NOUN
cblr-9983	543	5	and	and	CCONJ
cblr-9983	543	6	administrative	administrative	ADJ
cblr-9983	543	7	law	law	NOUN
cblr-9983	543	8	309	309	NUM
cblr-9983	543	9	within	within	ADP
cblr-9983	543	10	the	the	DET
cblr-9983	543	11	holding	hold	VERB
cblr-9983	543	12	company.84	company.84	NOUN
cblr-9983	543	13	the	the	DET
cblr-9983	543	14	composite	composite	ADJ
cblr-9983	543	15	rating	rating	NOUN
cblr-9983	543	16	also	also	ADV
cblr-9983	543	17	incorporates	incorporate	VERB
cblr-9983	543	18	the	the	DET
cblr-9983	543	19	rating	rating	NOUN
cblr-9983	543	20	assigned	assign	VERB
cblr-9983	543	21	to	to	ADP
cblr-9983	543	22	the	the	DET
cblr-9983	543	23	relevant	relevant	ADJ
cblr-9983	543	24	depository	depository	NOUN
cblr-9983	543	25	institution(s	institution(s	PROPN
cblr-9983	543	26	)	)	PUNCT
cblr-9983	543	27	by	by	ADP
cblr-9983	543	28	primary	primary	ADJ
cblr-9983	543	29	federal	federal	PROPN
cblr-9983	543	30	reserve	reserve	PROPN
cblr-9983	543	31	regulator(s	regulator(s	PROPN
cblr-9983	543	32	)	)	PUNCT
cblr-9983	543	33	.	.	PUNCT
cblr-9983	544	1	the	the	DET
cblr-9983	544	2	lfi	lfi	NOUN
cblr-9983	544	3	system	system	NOUN
cblr-9983	544	4	,	,	PUNCT
cblr-9983	544	5	adopted	adopt	VERB
cblr-9983	544	6	in	in	ADP
cblr-9983	544	7	november	november	PROPN
cblr-9983	544	8	2018,85	2018,85	NUM
cblr-9983	544	9	is	be	AUX
cblr-9983	544	10	still	still	ADV
cblr-9983	544	11	being	be	AUX
cblr-9983	544	12	phased	phase	VERB
cblr-9983	544	13	in	in	ADP
cblr-9983	544	14	.	.	PUNCT
cblr-9983	545	1	the	the	DET
cblr-9983	545	2	three	three	NUM
cblr-9983	545	3	components	component	NOUN
cblr-9983	545	4	—	—	PUNCT
cblr-9983	545	5	capital	capital	NOUN
cblr-9983	545	6	planning	planning	NOUN
cblr-9983	545	7	and	and	CCONJ
cblr-9983	545	8	positions	position	NOUN
cblr-9983	545	9	,	,	PUNCT
cblr-9983	545	10	liquidity	liquidity	NOUN
cblr-9983	545	11	risk	risk	NOUN
cblr-9983	545	12	management	management	NOUN
cblr-9983	545	13	and	and	CCONJ
cblr-9983	545	14	positions	position	NOUN
cblr-9983	545	15	,	,	PUNCT
cblr-9983	545	16	and	and	CCONJ
cblr-9983	545	17	governance	governance	NOUN
cblr-9983	545	18	and	and	CCONJ
cblr-9983	545	19	controls	control	NOUN
cblr-9983	545	20	—	—	PUNCT
cblr-9983	545	21	are	be	AUX
cblr-9983	545	22	meant	mean	VERB
cblr-9983	545	23	to	to	PART
cblr-9983	545	24	better	well	ADV
cblr-9983	545	25	track	track	VERB
cblr-9983	545	26	the	the	DET
cblr-9983	545	27	changes	change	NOUN
cblr-9983	545	28	in	in	ADP
cblr-9983	545	29	supervision	supervision	NOUN
cblr-9983	545	30	of	of	ADP
cblr-9983	545	31	the	the	DET
cblr-9983	545	32	largest	large	ADJ
cblr-9983	545	33	banking	banking	NOUN
cblr-9983	545	34	organizations	organization	NOUN
cblr-9983	545	35	since	since	SCONJ
cblr-9983	545	36	the	the	DET
cblr-9983	545	37	financial	financial	ADJ
cblr-9983	545	38	crisis.86	crisis.86	NOUN
cblr-9983	545	39	notable	notable	ADJ
cblr-9983	545	40	is	be	AUX
cblr-9983	545	41	the	the	DET
cblr-9983	545	42	emphasis	emphasis	NOUN
cblr-9983	545	43	on	on	ADP
cblr-9983	545	44	capital	capital	NOUN
cblr-9983	545	45	and	and	CCONJ
cblr-9983	545	46	liquidity	liquidity	NOUN
cblr-9983	545	47	,	,	PUNCT
cblr-9983	545	48	which	which	PRON
cblr-9983	545	49	are	be	AUX
cblr-9983	545	50	each	each	PRON
cblr-9983	545	51	the	the	DET
cblr-9983	545	52	subject	subject	NOUN
cblr-9983	545	53	of	of	ADP
cblr-9983	545	54	regular	regular	ADJ
cblr-9983	545	55	supervisory	supervisory	ADJ
cblr-9983	545	56	testing	testing	NOUN
cblr-9983	545	57	across	across	ADP
cblr-9983	545	58	these	these	DET
cblr-9983	545	59	large	large	ADJ
cblr-9983	545	60	firms	firm	NOUN
cblr-9983	545	61	.	.	PUNCT
cblr-9983	546	1	the	the	DET
cblr-9983	546	2	federal	federal	PROPN
cblr-9983	546	3	reserve	reserve	PROPN
cblr-9983	546	4	has	have	AUX
cblr-9983	546	5	decided	decide	VERB
cblr-9983	546	6	to	to	PART
cblr-9983	546	7	use	use	VERB
cblr-9983	546	8	four	four	NUM
cblr-9983	546	9	non	non	ADJ
cblr-9983	546	10	-	-	ADJ
cblr-9983	546	11	numeric	numeric	ADJ
cblr-9983	546	12	ratings	rating	NOUN
cblr-9983	546	13	for	for	ADP
cblr-9983	546	14	the	the	DET
cblr-9983	546	15	lfi	lfi	NOUN
cblr-9983	546	16	system	system	NOUN
cblr-9983	546	17	—	—	PUNCT
cblr-9983	546	18	broadly	broadly	ADV
cblr-9983	546	19	meets	meet	VERB
cblr-9983	546	20	expectations	expectation	NOUN
cblr-9983	546	21	,	,	PUNCT
cblr-9983	546	22	conditionally	conditionally	ADV
cblr-9983	546	23	meets	meet	VERB
cblr-9983	546	24	expectations	expectation	NOUN
cblr-9983	546	25	,	,	PUNCT
cblr-9983	546	26	deficient-1	deficient-1	PROPN
cblr-9983	546	27	,	,	PUNCT
cblr-9983	546	28	and	and	CCONJ
cblr-9983	546	29	deficient-2.87	deficient-2.87	VERB
cblr-9983	546	30	at	at	ADP
cblr-9983	546	31	first	first	ADJ
cblr-9983	546	32	glance	glance	NOUN
cblr-9983	546	33	,	,	PUNCT
cblr-9983	546	34	this	this	DET
cblr-9983	546	35	shift	shift	NOUN
cblr-9983	546	36	from	from	ADP
cblr-9983	546	37	numeric	numeric	ADJ
cblr-9983	546	38	to	to	ADP
cblr-9983	546	39	verbal	verbal	ADJ
cblr-9983	546	40	ratings	rating	NOUN
cblr-9983	546	41	may	may	AUX
cblr-9983	546	42	look	look	VERB
cblr-9983	546	43	like	like	ADP
cblr-9983	546	44	the	the	DET
cblr-9983	546	45	euphemistic	euphemistic	ADJ
cblr-9983	546	46	substitution	substitution	NOUN
cblr-9983	546	47	of	of	ADP
cblr-9983	546	48	verbal	verbal	ADJ
cblr-9983	546	49	formulations	formulation	NOUN
cblr-9983	546	50	for	for	ADP
cblr-9983	546	51	letter	letter	NOUN
cblr-9983	546	52	grades	grade	NOUN
cblr-9983	546	53	at	at	ADP
cblr-9983	546	54	some	some	DET
cblr-9983	546	55	academic	academic	ADJ
cblr-9983	546	56	institutions	institution	NOUN
cblr-9983	546	57	.	.	PUNCT
cblr-9983	547	1	however	however	ADV
cblr-9983	547	2	,	,	PUNCT
cblr-9983	547	3	as	as	SCONJ
cblr-9983	547	4	is	be	AUX
cblr-9983	547	5	apparent	apparent	ADJ
cblr-9983	547	6	from	from	ADP
cblr-9983	547	7	the	the	DET
cblr-9983	547	8	federal	federal	PROPN
cblr-9983	547	9	reserve	reserve	PROPN
cblr-9983	547	10	’s	’s	PART
cblr-9983	547	11	explanation	explanation	NOUN
cblr-9983	547	12	of	of	ADP
cblr-9983	547	13	the	the	DET
cblr-9983	547	14	change	change	NOUN
cblr-9983	547	15	,	,	PUNCT
cblr-9983	547	16	the	the	DET
cblr-9983	547	17	new	new	ADJ
cblr-9983	547	18	formulations	formulation	NOUN
cblr-9983	547	19	—	—	PUNCT
cblr-9983	547	20	and	and	CCONJ
cblr-9983	547	21	the	the	DET
cblr-9983	547	22	nature	nature	NOUN
cblr-9983	547	23	of	of	ADP
cblr-9983	547	24	the	the	DET
cblr-9983	547	25	supervisory	supervisory	ADJ
cblr-9983	547	26	conclusions	conclusion	NOUN
cblr-9983	547	27	conveyed	convey	VERB
cblr-9983	547	28	with	with	ADP
cblr-9983	547	29	them	they	PRON
cblr-9983	547	30	—	—	PUNCT
cblr-9983	547	31	are	be	AUX
cblr-9983	547	32	intended	intend	VERB
cblr-9983	547	33	to	to	PART
cblr-9983	547	34	provide	provide	VERB
cblr-9983	547	35	more	more	ADJ
cblr-9983	547	36	clarity	clarity	NOUN
cblr-9983	547	37	to	to	ADP
cblr-9983	547	38	banking	banking	NOUN
cblr-9983	547	39	organizations	organization	NOUN
cblr-9983	547	40	as	as	ADP
cblr-9983	547	41	to	to	ADP
cblr-9983	547	42	what	what	PRON
cblr-9983	547	43	,	,	PUNCT
cblr-9983	547	44	if	if	SCONJ
cblr-9983	547	45	any	any	PRON
cblr-9983	547	46	,	,	PUNCT
cblr-9983	547	47	remedial	remedial	ADJ
cblr-9983	547	48	action	action	NOUN
cblr-9983	547	49	is	be	AUX
cblr-9983	547	50	expected	expect	VERB
cblr-9983	547	51	of	of	ADP
cblr-9983	547	52	them.88	them.88	NOUN
cblr-9983	547	53	this	this	DET
cblr-9983	547	54	distinction	distinction	NOUN
cblr-9983	547	55	is	be	AUX
cblr-9983	547	56	especially	especially	ADV
cblr-9983	547	57	relevant	relevant	ADJ
cblr-9983	547	58	for	for	ADP
cblr-9983	547	59	larger	large	ADJ
cblr-9983	547	60	firms	firm	NOUN
cblr-9983	547	61	,	,	PUNCT
cblr-9983	547	62	which	which	PRON
cblr-9983	547	63	are	be	AUX
cblr-9983	547	64	84	84	NUM
cblr-9983	547	65	the	the	DET
cblr-9983	547	66	risk	risk	NOUN
cblr-9983	547	67	management	management	NOUN
cblr-9983	547	68	and	and	CCONJ
cblr-9983	547	69	financial	financial	ADJ
cblr-9983	547	70	condition	condition	NOUN
cblr-9983	547	71	each	each	PRON
cblr-9983	547	72	have	have	VERB
cblr-9983	547	73	four	four	NUM
cblr-9983	547	74	subcomponent	subcomponent	ADJ
cblr-9983	547	75	ratings	rating	NOUN
cblr-9983	547	76	.	.	PUNCT
cblr-9983	548	1	the	the	DET
cblr-9983	548	2	risk	risk	NOUN
cblr-9983	548	3	management	management	NOUN
cblr-9983	548	4	they	they	PRON
cblr-9983	548	5	sub	sub	NOUN
cblr-9983	548	6	-	-	NOUN
cblr-9983	548	7	components	component	NOUN
cblr-9983	548	8	are	be	AUX
cblr-9983	548	9	board	board	NOUN
cblr-9983	548	10	and	and	CCONJ
cblr-9983	548	11	senior	senior	ADJ
cblr-9983	548	12	management	management	NOUN
cblr-9983	548	13	oversight	oversight	NOUN
cblr-9983	548	14	;	;	PUNCT
cblr-9983	548	15	policies	policy	NOUN
cblr-9983	548	16	,	,	PUNCT
cblr-9983	548	17	procedures	procedure	NOUN
cblr-9983	548	18	,	,	PUNCT
cblr-9983	548	19	and	and	CCONJ
cblr-9983	548	20	limits	limit	NOUN
cblr-9983	548	21	;	;	PUNCT
cblr-9983	548	22	risk	risk	NOUN
cblr-9983	548	23	monitoring	monitoring	NOUN
cblr-9983	548	24	and	and	CCONJ
cblr-9983	548	25	management	management	NOUN
cblr-9983	548	26	information	information	NOUN
cblr-9983	548	27	systems	system	NOUN
cblr-9983	548	28	;	;	PUNCT
cblr-9983	548	29	and	and	CCONJ
cblr-9983	548	30	internal	internal	ADJ
cblr-9983	548	31	controls	control	NOUN
cblr-9983	548	32	.	.	PUNCT
cblr-9983	549	1	the	the	DET
cblr-9983	549	2	financial	financial	ADJ
cblr-9983	549	3	condition	condition	NOUN
cblr-9983	549	4	sub	sub	NOUN
cblr-9983	549	5	-	-	NOUN
cblr-9983	549	6	components	component	NOUN
cblr-9983	549	7	are	be	AUX
cblr-9983	549	8	capital	capital	NOUN
cblr-9983	549	9	adequacy	adequacy	NOUN
cblr-9983	549	10	,	,	PUNCT
cblr-9983	549	11	asset	asset	NOUN
cblr-9983	549	12	quality	quality	NOUN
cblr-9983	549	13	,	,	PUNCT
cblr-9983	549	14	earnings	earning	NOUN
cblr-9983	549	15	,	,	PUNCT
cblr-9983	549	16	and	and	CCONJ
cblr-9983	549	17	liquidity	liquidity	NOUN
cblr-9983	549	18	.	.	PUNCT
cblr-9983	550	1	see	see	VERB
cblr-9983	550	2	bd	bd	PROPN
cblr-9983	550	3	.	.	PROPN
cblr-9983	550	4	of	of	ADP
cblr-9983	550	5	governors	governor	NOUN
cblr-9983	550	6	of	of	ADP
cblr-9983	550	7	the	the	DET
cblr-9983	550	8	fed	fed	PROPN
cblr-9983	550	9	.	.	PUNCT
cblr-9983	551	1	rsrv	rsrv	PROPN
cblr-9983	551	2	.	.	PUNCT
cblr-9983	552	1	sys	sys	PROPN
cblr-9983	552	2	.	.	PROPN
cblr-9983	552	3	,	,	PUNCT
cblr-9983	552	4	sr	sr	PROPN
cblr-9983	552	5	19	19	NUM
cblr-9983	552	6	-	-	SYM
cblr-9983	552	7	4	4	NUM
cblr-9983	552	8	(	(	PUNCT
cblr-9983	552	9	attachment	attachment	NOUN
cblr-9983	552	10	#	#	SYM
cblr-9983	552	11	2	2	NUM
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cblr-9983	552	13	,	,	PUNCT
cblr-9983	552	14	rfi	rfi	NOUN
cblr-9983	552	15	rating	rating	NOUN
cblr-9983	552	16	system	system	NOUN
cblr-9983	552	17	(	(	PUNCT
cblr-9983	552	18	feb	feb	PROPN
cblr-9983	552	19	.	.	PROPN
cblr-9983	552	20	26	26	NUM
cblr-9983	552	21	,	,	PUNCT
cblr-9983	552	22	2019	2019	NUM
cblr-9983	552	23	)	)	PUNCT
cblr-9983	552	24	,	,	PUNCT
cblr-9983	552	25	https://www.federalreserve.gov/supervisionreg/srletters/sr1904a2.pdf	https://www.federalreserve.gov/supervisionreg/srletters/sr1904a2.pdf	NOUN
cblr-9983	553	1	[	[	X
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cblr-9983	553	3	]	]	X
cblr-9983	553	4	.	.	PUNCT
cblr-9983	553	5	85	85	NUM
cblr-9983	553	6	large	large	ADJ
cblr-9983	553	7	financial	financial	ADJ
cblr-9983	553	8	institution	institution	NOUN
cblr-9983	553	9	rating	rating	NOUN
cblr-9983	553	10	system	system	NOUN
cblr-9983	553	11	;	;	PUNCT
cblr-9983	553	12	regulations	regulation	NOUN
cblr-9983	553	13	k	k	PROPN
cblr-9983	553	14	and	and	CCONJ
cblr-9983	553	15	ll	ll	AUX
cblr-9983	553	16	,	,	PUNCT
cblr-9983	553	17	83	83	NUM
cblr-9983	553	18	fed	feed	VERB
cblr-9983	553	19	.	.	PUNCT
cblr-9983	554	1	reg	reg	PROPN
cblr-9983	554	2	.	.	PUNCT
cblr-9983	555	1	58,724	58,724	NUM
cblr-9983	555	2	(	(	PUNCT
cblr-9983	555	3	nov	nov	PROPN
cblr-9983	555	4	.	.	PROPN
cblr-9983	555	5	21	21	NUM
cblr-9983	555	6	,	,	PUNCT
cblr-9983	555	7	2018	2018	NUM
cblr-9983	555	8	)	)	PUNCT
cblr-9983	555	9	(	(	PUNCT
cblr-9983	555	10	to	to	PART
cblr-9983	555	11	be	be	AUX
cblr-9983	555	12	codified	codify	VERB
cblr-9983	555	13	at	at	ADP
cblr-9983	555	14	12	12	NUM
cblr-9983	555	15	c.f.r	c.f.r	NOUN
cblr-9983	555	16	.	.	PUNCT
cblr-9983	556	1	pts	pts	PROPN
cblr-9983	556	2	.	.	PROPN
cblr-9983	556	3	211	211	NUM
cblr-9983	556	4	,	,	PUNCT
cblr-9983	556	5	238	238	NUM
cblr-9983	556	6	)	)	PUNCT
cblr-9983	556	7	.	.	PUNCT
cblr-9983	557	1	86	86	NUM
cblr-9983	557	2	see	see	VERB
cblr-9983	557	3	i	i	PRON
cblr-9983	557	4	d.	d.	PROPN
cblr-9983	557	5	at	at	ADP
cblr-9983	557	6	58,724	58,724	NUM
cblr-9983	557	7	.	.	PUNCT
cblr-9983	558	1	87	87	NUM
cblr-9983	559	1	i	i	PRON
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cblr-9983	559	3	58,729	58,729	NUM
cblr-9983	559	4	.	.	PUNCT
cblr-9983	560	1	88	88	NUM
cblr-9983	560	2	see	see	VERB
cblr-9983	560	3	bd	bd	PROPN
cblr-9983	560	4	.	.	PROPN
cblr-9983	560	5	of	of	ADP
cblr-9983	560	6	governors	governor	NOUN
cblr-9983	560	7	of	of	ADP
cblr-9983	560	8	the	the	DET
cblr-9983	560	9	fed	fed	PROPN
cblr-9983	560	10	.	.	PUNCT
cblr-9983	561	1	rsrv	rsrv	PROPN
cblr-9983	561	2	.	.	PUNCT
cblr-9983	562	1	sys	sys	PROPN
cblr-9983	562	2	.	.	PROPN
cblr-9983	562	3	,	,	PUNCT
cblr-9983	562	4	sr	sr	PROPN
cblr-9983	562	5	19	19	NUM
cblr-9983	562	6	-	-	SYM
cblr-9983	562	7	3	3	NUM
cblr-9983	562	8	,	,	PUNCT
cblr-9983	562	9	large	large	ADJ
cblr-9983	562	10	financial	financial	ADJ
cblr-9983	562	11	institution	institution	NOUN
cblr-9983	562	12	(	(	PUNCT
cblr-9983	562	13	lfi	lfi	NOUN
cblr-9983	562	14	)	)	PUNCT
cblr-9983	562	15	rating	rating	NOUN
cblr-9983	562	16	system	system	NOUN
cblr-9983	562	17	,	,	PUNCT
cblr-9983	562	18	supra	supra	PROPN
cblr-9983	562	19	note	note	NOUN
cblr-9983	562	20	80	80	NUM
cblr-9983	562	21	.	.	PUNCT
cblr-9983	563	1	310	310	NUM
cblr-9983	563	2	columbia	columbia	PROPN
cblr-9983	563	3	business	business	NOUN
cblr-9983	563	4	law	law	PROPN
cblr-9983	563	5	review	review	NOUN
cblr-9983	563	6	[	[	X
cblr-9983	563	7	vol	vol	NOUN
cblr-9983	563	8	.	.	PUNCT
cblr-9983	563	9	2022	2022	NUM
cblr-9983	563	10	evaluated	evaluate	VERB
cblr-9983	563	11	on	on	ADP
cblr-9983	563	12	a	a	DET
cblr-9983	563	13	far	far	ADV
cblr-9983	563	14	broader	broad	ADJ
cblr-9983	563	15	and	and	CCONJ
cblr-9983	563	16	deeper	deep	ADJ
cblr-9983	563	17	set	set	NOUN
cblr-9983	563	18	of	of	ADP
cblr-9983	563	19	expectations	expectation	NOUN
cblr-9983	563	20	than	than	ADP
cblr-9983	563	21	smaller	small	ADJ
cblr-9983	563	22	banks	bank	NOUN
cblr-9983	563	23	.	.	PUNCT
cblr-9983	564	1	in	in	ADP
cblr-9983	564	2	providing	provide	VERB
cblr-9983	564	3	a	a	DET
cblr-9983	564	4	formalized	formalized	ADJ
cblr-9983	564	5	and	and	CCONJ
cblr-9983	564	6	,	,	PUNCT
cblr-9983	564	7	either	either	CCONJ
cblr-9983	564	8	literally	literally	ADV
cblr-9983	564	9	or	or	CCONJ
cblr-9983	564	10	effectively	effectively	ADV
cblr-9983	564	11	,	,	PUNCT
cblr-9983	564	12	quantified	quantify	VERB
cblr-9983	564	13	supervisory	supervisory	ADJ
cblr-9983	564	14	view	view	NOUN
cblr-9983	564	15	of	of	ADP
cblr-9983	564	16	the	the	DET
cblr-9983	564	17	condition	condition	NOUN
cblr-9983	564	18	of	of	ADP
cblr-9983	564	19	banks	bank	NOUN
cblr-9983	564	20	,	,	PUNCT
cblr-9983	564	21	the	the	DET
cblr-9983	564	22	ratings	rating	NOUN
cblr-9983	564	23	act	act	VERB
cblr-9983	564	24	as	as	ADP
cblr-9983	564	25	a	a	DET
cblr-9983	564	26	kind	kind	NOUN
cblr-9983	564	27	of	of	ADP
cblr-9983	564	28	grading	grade	VERB
cblr-9983	564	29	system	system	NOUN
cblr-9983	564	30	.	.	PUNCT
cblr-9983	565	1	they	they	PRON
cblr-9983	565	2	are	be	AUX
cblr-9983	565	3	conveyed	convey	VERB
cblr-9983	565	4	to	to	ADP
cblr-9983	565	5	management	management	NOUN
cblr-9983	565	6	and	and	CCONJ
cblr-9983	565	7	boards	board	NOUN
cblr-9983	565	8	of	of	ADP
cblr-9983	565	9	directors	director	NOUN
cblr-9983	565	10	of	of	ADP
cblr-9983	565	11	the	the	DET
cblr-9983	565	12	banks	bank	NOUN
cblr-9983	565	13	,	,	PUNCT
cblr-9983	565	14	along	along	ADP
cblr-9983	565	15	with	with	ADP
cblr-9983	565	16	an	an	DET
cblr-9983	565	17	explanation	explanation	NOUN
cblr-9983	565	18	of	of	ADP
cblr-9983	565	19	the	the	DET
cblr-9983	565	20	reasons	reason	NOUN
cblr-9983	565	21	for	for	ADP
cblr-9983	565	22	the	the	DET
cblr-9983	565	23	ratings	rating	NOUN
cblr-9983	565	24	.	.	PUNCT
cblr-9983	566	1	they	they	PRON
cblr-9983	566	2	are	be	AUX
cblr-9983	566	3	used	use	VERB
cblr-9983	566	4	internally	internally	ADV
cblr-9983	566	5	to	to	PART
cblr-9983	566	6	track	track	VERB
cblr-9983	566	7	the	the	DET
cblr-9983	566	8	overall	overall	ADJ
cblr-9983	566	9	health	health	NOUN
cblr-9983	566	10	of	of	ADP
cblr-9983	566	11	and	and	CCONJ
cblr-9983	566	12	identify	identify	VERB
cblr-9983	566	13	trends	trend	NOUN
cblr-9983	566	14	in	in	ADP
cblr-9983	566	15	the	the	DET
cblr-9983	566	16	industry	industry	NOUN
cblr-9983	566	17	.	.	PUNCT
cblr-9983	567	1	they	they	PRON
cblr-9983	567	2	can	can	AUX
cblr-9983	567	3	also	also	ADV
cblr-9983	567	4	help	help	VERB
cblr-9983	567	5	benchmark	benchmark	NOUN
cblr-9983	567	6	efforts	effort	NOUN
cblr-9983	567	7	to	to	PART
cblr-9983	567	8	apply	apply	VERB
cblr-9983	567	9	generally	generally	ADV
cblr-9983	567	10	consistent	consistent	ADJ
cblr-9983	567	11	evaluations	evaluation	NOUN
cblr-9983	567	12	of	of	ADP
cblr-9983	567	13	banking	banking	NOUN
cblr-9983	567	14	organizations	organization	NOUN
cblr-9983	567	15	.	.	PUNCT
cblr-9983	568	1	consequences	consequence	NOUN
cblr-9983	568	2	of	of	ADP
cblr-9983	568	3	two	two	NUM
cblr-9983	568	4	sorts	sort	NOUN
cblr-9983	568	5	ensue	ensue	VERB
cblr-9983	568	6	from	from	ADP
cblr-9983	568	7	low	low	ADJ
cblr-9983	568	8	ratings	rating	NOUN
cblr-9983	568	9	.	.	PUNCT
cblr-9983	569	1	first	first	ADV
cblr-9983	569	2	,	,	PUNCT
cblr-9983	569	3	more	more	ADV
cblr-9983	569	4	supervisory	supervisory	ADJ
cblr-9983	569	5	attention	attention	NOUN
cblr-9983	569	6	is	be	AUX
cblr-9983	569	7	usually	usually	ADV
cblr-9983	569	8	directed	direct	VERB
cblr-9983	569	9	at	at	ADP
cblr-9983	569	10	lower	lower	ADV
cblr-9983	569	11	-	-	PUNCT
cblr-9983	569	12	rated	rate	VERB
cblr-9983	569	13	banks	bank	NOUN
cblr-9983	569	14	,	,	PUNCT
cblr-9983	569	15	often	often	ADV
cblr-9983	569	16	including	include	VERB
cblr-9983	569	17	mras	mras	ADJ
cblr-9983	569	18	or	or	CCONJ
cblr-9983	569	19	other	other	ADJ
cblr-9983	569	20	communication	communication	NOUN
cblr-9983	569	21	of	of	ADP
cblr-9983	569	22	processes	process	NOUN
cblr-9983	569	23	or	or	CCONJ
cblr-9983	569	24	conditions	condition	NOUN
cblr-9983	569	25	at	at	ADP
cblr-9983	569	26	the	the	DET
cblr-9983	569	27	bank	bank	NOUN
cblr-9983	569	28	that	that	PRON
cblr-9983	569	29	need	need	VERB
cblr-9983	569	30	to	to	PART
cblr-9983	569	31	be	be	AUX
cblr-9983	569	32	improved	improve	VERB
cblr-9983	569	33	.	.	PUNCT
cblr-9983	570	1	second	second	ADJ
cblr-9983	570	2	,	,	PUNCT
cblr-9983	570	3	specific	specific	ADJ
cblr-9983	570	4	regulations89	regulations89	NOUN
cblr-9983	570	5	and	and	CCONJ
cblr-9983	570	6	statutory	statutory	ADJ
cblr-9983	570	7	provisions90	provisions90	NOUN
cblr-9983	570	8	allow	allow	VERB
cblr-9983	570	9	,	,	PUNCT
cblr-9983	570	10	or	or	CCONJ
cblr-9983	570	11	in	in	ADP
cblr-9983	570	12	some	some	DET
cblr-9983	570	13	cases	case	NOUN
cblr-9983	570	14	require	require	VERB
cblr-9983	570	15	,	,	PUNCT
cblr-9983	570	16	stricter	strict	ADJ
cblr-9983	570	17	supervisory	supervisory	ADJ
cblr-9983	570	18	treatment	treatment	NOUN
cblr-9983	570	19	for	for	ADP
cblr-9983	570	20	banks	bank	NOUN
cblr-9983	570	21	with	with	ADP
cblr-9983	570	22	lower	low	ADJ
cblr-9983	570	23	composite	composite	ADJ
cblr-9983	570	24	ratings	rating	NOUN
cblr-9983	570	25	.	.	PUNCT
cblr-9983	571	1	the	the	DET
cblr-9983	571	2	federal	federal	PROPN
cblr-9983	571	3	reserve	reserve	PROPN
cblr-9983	571	4	’s	’s	PART
cblr-9983	571	5	explanation	explanation	NOUN
cblr-9983	571	6	of	of	ADP
cblr-9983	571	7	the	the	DET
cblr-9983	571	8	new	new	ADJ
cblr-9983	571	9	lfi	lfi	NOUN
cblr-9983	571	10	system	system	NOUN
cblr-9983	571	11	makes	make	VERB
cblr-9983	571	12	clear	clear	ADJ
cblr-9983	571	13	which	which	DET
cblr-9983	571	14	ratings	rating	NOUN
cblr-9983	571	15	89	89	NUM
cblr-9983	571	16	for	for	ADP
cblr-9983	571	17	example	example	NOUN
cblr-9983	571	18	,	,	PUNCT
cblr-9983	571	19	in	in	ADP
cblr-9983	571	20	order	order	NOUN
cblr-9983	571	21	for	for	SCONJ
cblr-9983	571	22	a	a	DET
cblr-9983	571	23	small	small	ADJ
cblr-9983	571	24	bank	bank	NOUN
cblr-9983	571	25	to	to	PART
cblr-9983	571	26	qualify	qualify	VERB
cblr-9983	571	27	for	for	ADP
cblr-9983	571	28	less	less	ADV
cblr-9983	571	29	frequent	frequent	ADJ
cblr-9983	571	30	onsite	onsite	ADJ
cblr-9983	571	31	examination	examination	NOUN
cblr-9983	571	32	,	,	PUNCT
cblr-9983	571	33	it	it	PRON
cblr-9983	571	34	must	must	AUX
cblr-9983	571	35	be	be	AUX
cblr-9983	571	36	rated	rate	VERB
cblr-9983	571	37	a	a	DET
cblr-9983	571	38	1	1	NUM
cblr-9983	571	39	or	or	CCONJ
cblr-9983	571	40	2	2	NUM
cblr-9983	571	41	.	.	NOUN
cblr-9983	571	42	12	12	NUM
cblr-9983	571	43	c.f.r	c.f.r	NOUN
cblr-9983	571	44	.	.	PUNCT
cblr-9983	572	1	§	§	PROPN
cblr-9983	572	2	§	§	NOUN
cblr-9983	572	3	208.64(b)(3	208.64(b)(3	NOUN
cblr-9983	572	4	)	)	PUNCT
cblr-9983	572	5	,	,	PUNCT
cblr-9983	572	6	337.12(b)(3	337.12(b)(3	NUM
cblr-9983	572	7	)	)	PUNCT
cblr-9983	572	8	(	(	PUNCT
cblr-9983	572	9	2021	2021	NUM
cblr-9983	572	10	)	)	PUNCT
cblr-9983	572	11	;	;	PUNCT
cblr-9983	572	12	see	see	VERB
cblr-9983	572	13	also	also	ADV
cblr-9983	572	14	i	i	PROPN
cblr-9983	572	15	d.	d.	PROPN
cblr-9983	572	16	§	§	PROPN
cblr-9983	572	17	5.51(b)(7)(i	5.51(b)(7)(i	NUM
cblr-9983	572	18	)	)	PUNCT
cblr-9983	572	19	(	(	PUNCT
cblr-9983	572	20	national	national	ADJ
cblr-9983	572	21	banks	bank	NOUN
cblr-9983	572	22	with	with	ADP
cblr-9983	572	23	composite	composite	ADJ
cblr-9983	572	24	rating	rating	NOUN
cblr-9983	572	25	of	of	ADP
cblr-9983	572	26	4	4	NUM
cblr-9983	572	27	or	or	CCONJ
cblr-9983	572	28	5	5	NUM
cblr-9983	572	29	must	must	AUX
cblr-9983	572	30	notify	notify	VERB
cblr-9983	572	31	occ	occ	NOUN
cblr-9983	572	32	of	of	ADP
cblr-9983	572	33	changes	change	NOUN
cblr-9983	572	34	in	in	ADP
cblr-9983	572	35	directors	director	NOUN
cblr-9983	572	36	or	or	CCONJ
cblr-9983	572	37	senior	senior	ADJ
cblr-9983	572	38	executive	executive	ADJ
cblr-9983	572	39	officers	officer	NOUN
cblr-9983	572	40	,	,	PUNCT
cblr-9983	572	41	actions	action	NOUN
cblr-9983	572	42	that	that	PRON
cblr-9983	572	43	may	may	AUX
cblr-9983	572	44	be	be	AUX
cblr-9983	572	45	disapproved	disapprove	VERB
cblr-9983	572	46	by	by	ADP
cblr-9983	572	47	occ	occ	PROPN
cblr-9983	572	48	)	)	PUNCT
cblr-9983	572	49	.	.	PUNCT
cblr-9983	573	1	90	90	NUM
cblr-9983	573	2	perhaps	perhaps	ADV
cblr-9983	573	3	the	the	DET
cblr-9983	573	4	most	most	ADV
cblr-9983	573	5	important	important	ADJ
cblr-9983	573	6	of	of	ADP
cblr-9983	573	7	these	these	PRON
cblr-9983	573	8	is	be	AUX
cblr-9983	573	9	12	12	NUM
cblr-9983	573	10	u.s.c	u.s.c	ADJ
cblr-9983	573	11	.	.	PUNCT
cblr-9983	574	1	§	§	PROPN
cblr-9983	574	2	1841(o)(9)(a)(i	1841(o)(9)(a)(i	NUM
cblr-9983	574	3	)	)	PUNCT
cblr-9983	574	4	(	(	PUNCT
cblr-9983	574	5	2018	2018	NUM
cblr-9983	574	6	)	)	PUNCT
cblr-9983	574	7	,	,	PUNCT
cblr-9983	574	8	which	which	PRON
cblr-9983	574	9	defines	define	VERB
cblr-9983	574	10	“	"	PUNCT
cblr-9983	574	11	well	well	ADV
cblr-9983	574	12	managed	manage	VERB
cblr-9983	574	13	”	"	PUNCT
cblr-9983	574	14	as	as	ADP
cblr-9983	574	15	“	"	PUNCT
cblr-9983	574	16	a	a	DET
cblr-9983	574	17	camel	camel	NOUN
cblr-9983	574	18	composite	composite	NOUN
cblr-9983	574	19	of	of	ADP
cblr-9983	574	20	1	1	NUM
cblr-9983	574	21	or	or	CCONJ
cblr-9983	574	22	2	2	NUM
cblr-9983	574	23	(	(	PUNCT
cblr-9983	574	24	or	or	CCONJ
cblr-9983	574	25	equivalent	equivalent	ADJ
cblr-9983	574	26	rating	rating	NOUN
cblr-9983	574	27	under	under	ADP
cblr-9983	574	28	an	an	DET
cblr-9983	574	29	equivalent	equivalent	ADJ
cblr-9983	574	30	rating	rating	NOUN
cblr-9983	574	31	system	system	NOUN
cblr-9983	574	32	.	.	PUNCT
cblr-9983	574	33	”	"	PUNCT
cblr-9983	574	34	)	)	PUNCT
cblr-9983	574	35	.	.	PUNCT
cblr-9983	575	1	all	all	DET
cblr-9983	575	2	insured	insure	VERB
cblr-9983	575	3	depository	depository	NOUN
cblr-9983	575	4	institutions	institution	NOUN
cblr-9983	575	5	of	of	ADP
cblr-9983	575	6	a	a	DET
cblr-9983	575	7	bank	bank	NOUN
cblr-9983	575	8	holding	hold	VERB
cblr-9983	575	9	company	company	NOUN
cblr-9983	575	10	must	must	AUX
cblr-9983	575	11	be	be	AUX
cblr-9983	575	12	“	"	PUNCT
cblr-9983	575	13	well	well	ADV
cblr-9983	575	14	managed	manage	VERB
cblr-9983	575	15	”	"	PUNCT
cblr-9983	575	16	in	in	ADP
cblr-9983	575	17	order	order	NOUN
cblr-9983	575	18	for	for	SCONJ
cblr-9983	575	19	that	that	DET
cblr-9983	575	20	bhc	bhc	NOUN
cblr-9983	575	21	to	to	PART
cblr-9983	575	22	be	be	AUX
cblr-9983	575	23	able	able	ADJ
cblr-9983	575	24	to	to	PART
cblr-9983	575	25	own	own	VERB
cblr-9983	575	26	certain	certain	ADJ
cblr-9983	575	27	kinds	kind	NOUN
cblr-9983	575	28	of	of	ADP
cblr-9983	575	29	non	non	ADJ
cblr-9983	575	30	-	-	ADJ
cblr-9983	575	31	bank	bank	ADJ
cblr-9983	575	32	financial	financial	ADJ
cblr-9983	575	33	firms	firm	NOUN
cblr-9983	575	34	,	,	PUNCT
cblr-9983	575	35	such	such	ADJ
cblr-9983	575	36	as	as	ADP
cblr-9983	575	37	those	those	PRON
cblr-9983	575	38	conducting	conduct	VERB
cblr-9983	575	39	investment	investment	NOUN
cblr-9983	575	40	banking	banking	NOUN
cblr-9983	575	41	or	or	CCONJ
cblr-9983	575	42	private	private	ADJ
cblr-9983	575	43	equity	equity	NOUN
cblr-9983	575	44	activities	activity	NOUN
cblr-9983	575	45	.	.	PUNCT
cblr-9983	576	1	i	i	PRON
cblr-9983	576	2	d.	d.	PROPN
cblr-9983	576	3	§	§	PROPN
cblr-9983	576	4	1843(l)(1	1843(l)(1	NUM
cblr-9983	576	5	)	)	PUNCT
cblr-9983	576	6	.	.	PUNCT
cblr-9983	577	1	a	a	DET
cblr-9983	577	2	banking	banking	NOUN
cblr-9983	577	3	organization	organization	NOUN
cblr-9983	577	4	that	that	PRON
cblr-9983	577	5	has	have	AUX
cblr-9983	577	6	previously	previously	ADV
cblr-9983	577	7	qualified	qualify	VERB
cblr-9983	577	8	as	as	ADP
cblr-9983	577	9	a	a	DET
cblr-9983	577	10	“	"	PUNCT
cblr-9983	577	11	financial	financial	ADJ
cblr-9983	577	12	holding	hold	VERB
cblr-9983	577	13	company	company	NOUN
cblr-9983	577	14	”	"	PUNCT
cblr-9983	577	15	and	and	CCONJ
cblr-9983	577	16	then	then	ADV
cblr-9983	577	17	ceases	cease	VERB
cblr-9983	577	18	to	to	PART
cblr-9983	577	19	be	be	AUX
cblr-9983	577	20	wellcapitalized	wellcapitalize	VERB
cblr-9983	577	21	or	or	CCONJ
cblr-9983	577	22	well	well	ADV
cblr-9983	577	23	-	-	PUNCT
cblr-9983	577	24	managed	manage	VERB
cblr-9983	577	25	is	be	AUX
cblr-9983	577	26	subject	subject	ADJ
cblr-9983	577	27	to	to	ADP
cblr-9983	577	28	a	a	DET
cblr-9983	577	29	so	so	ADV
cblr-9983	577	30	-	-	PUNCT
cblr-9983	577	31	called	call	VERB
cblr-9983	577	32	4(m	4(m	NUM
cblr-9983	577	33	)	)	PUNCT
cblr-9983	577	34	agreement	agreement	NOUN
cblr-9983	577	35	,	,	PUNCT
cblr-9983	577	36	which	which	PRON
cblr-9983	577	37	requires	require	VERB
cblr-9983	577	38	correction	correction	NOUN
cblr-9983	577	39	of	of	ADP
cblr-9983	577	40	the	the	DET
cblr-9983	577	41	deficiencies	deficiency	NOUN
cblr-9983	577	42	that	that	PRON
cblr-9983	577	43	led	lead	VERB
cblr-9983	577	44	to	to	ADP
cblr-9983	577	45	the	the	DET
cblr-9983	577	46	lower	low	ADJ
cblr-9983	577	47	rating	rating	NOUN
cblr-9983	577	48	(	(	PUNCT
cblr-9983	577	49	or	or	CCONJ
cblr-9983	577	50	breach	breach	NOUN
cblr-9983	577	51	of	of	ADP
cblr-9983	577	52	another	another	DET
cblr-9983	577	53	statutory	statutory	ADJ
cblr-9983	577	54	requirement	requirement	NOUN
cblr-9983	577	55	)	)	PUNCT
cblr-9983	577	56	.	.	PUNCT
cblr-9983	578	1	until	until	SCONJ
cblr-9983	578	2	the	the	DET
cblr-9983	578	3	corrections	correction	NOUN
cblr-9983	578	4	are	be	AUX
cblr-9983	578	5	made	make	VERB
cblr-9983	578	6	,	,	PUNCT
cblr-9983	578	7	the	the	DET
cblr-9983	578	8	federal	federal	PROPN
cblr-9983	578	9	reserve	reserve	PROPN
cblr-9983	578	10	“	"	PUNCT
cblr-9983	578	11	may	may	AUX
cblr-9983	578	12	impose	impose	VERB
cblr-9983	578	13	such	such	ADJ
cblr-9983	578	14	limitations	limitation	NOUN
cblr-9983	578	15	on	on	ADP
cblr-9983	578	16	the	the	DET
cblr-9983	578	17	conduct	conduct	NOUN
cblr-9983	578	18	or	or	CCONJ
cblr-9983	578	19	activities	activity	NOUN
cblr-9983	578	20	of	of	ADP
cblr-9983	578	21	that	that	DET
cblr-9983	578	22	financial	financial	ADJ
cblr-9983	578	23	holding	hold	VERB
cblr-9983	578	24	company	company	NOUN
cblr-9983	578	25	or	or	CCONJ
cblr-9983	578	26	any	any	DET
cblr-9983	578	27	affiliate	affiliate	NOUN
cblr-9983	578	28	of	of	ADP
cblr-9983	578	29	that	that	DET
cblr-9983	578	30	company	company	NOUN
cblr-9983	578	31	as	as	SCONJ
cblr-9983	578	32	the	the	DET
cblr-9983	578	33	board	board	NOUN
cblr-9983	578	34	determines	determine	VERB
cblr-9983	578	35	to	to	PART
cblr-9983	578	36	be	be	AUX
cblr-9983	578	37	appropriate	appropriate	ADJ
cblr-9983	578	38	under	under	ADP
cblr-9983	578	39	the	the	DET
cblr-9983	578	40	circumstances	circumstance	NOUN
cblr-9983	578	41	and	and	CCONJ
cblr-9983	578	42	consistent	consistent	ADJ
cblr-9983	578	43	with	with	ADP
cblr-9983	578	44	the	the	DET
cblr-9983	578	45	purposes	purpose	NOUN
cblr-9983	578	46	of	of	ADP
cblr-9983	578	47	this	this	PRON
cblr-9983	578	48	[	[	X
cblr-9983	578	49	act	act	NOUN
cblr-9983	578	50	]	]	X
cblr-9983	578	51	.	.	PUNCT
cblr-9983	578	52	”	"	PUNCT
cblr-9983	579	1	i	i	PRON
cblr-9983	579	2	d.	d.	PROPN
cblr-9983	579	3	§	§	PROPN
cblr-9983	579	4	1843(m	1843(m	NUM
cblr-9983	579	5	)	)	PUNCT
cblr-9983	579	6	.	.	PUNCT
cblr-9983	580	1	no	no	INTJ
cblr-9983	580	2	.	.	PUNCT
cblr-9983	581	1	1:279	1:279	NOUN
cblr-9983	581	2	]	]	X
cblr-9983	581	3	bank	bank	NOUN
cblr-9983	581	4	supervision	supervision	NOUN
cblr-9983	581	5	and	and	CCONJ
cblr-9983	581	6	administrative	administrative	ADJ
cblr-9983	581	7	law	law	NOUN
cblr-9983	581	8	311	311	NUM
cblr-9983	581	9	will	will	AUX
cblr-9983	581	10	lead	lead	VERB
cblr-9983	581	11	to	to	ADP
cblr-9983	581	12	these	these	DET
cblr-9983	581	13	statutory	statutory	ADJ
cblr-9983	581	14	consequences.91	consequences.91	NOUN
cblr-9983	581	15	the	the	DET
cblr-9983	581	16	fdic	fdic	PROPN
cblr-9983	581	17	also	also	ADV
cblr-9983	581	18	relies	rely	VERB
cblr-9983	581	19	significantly	significantly	ADV
cblr-9983	581	20	on	on	ADP
cblr-9983	581	21	ratings	rating	NOUN
cblr-9983	581	22	in	in	ADP
cblr-9983	581	23	implementing	implement	VERB
cblr-9983	581	24	the	the	DET
cblr-9983	581	25	statutory	statutory	ADJ
cblr-9983	581	26	requirement	requirement	NOUN
cblr-9983	581	27	that	that	SCONJ
cblr-9983	581	28	deposit	deposit	NOUN
cblr-9983	581	29	insurance	insurance	NOUN
cblr-9983	581	30	be	be	AUX
cblr-9983	581	31	risk	risk	NOUN
cblr-9983	581	32	-	-	PUNCT
cblr-9983	581	33	based.92	based.92	NOUN
cblr-9983	581	34	examination	examination	NOUN
cblr-9983	581	35	reports	report	NOUN
cblr-9983	581	36	and	and	CCONJ
cblr-9983	581	37	supervisory	supervisory	ADJ
cblr-9983	581	38	ratings	rating	NOUN
cblr-9983	581	39	are	be	AUX
cblr-9983	581	40	not	not	PART
cblr-9983	581	41	published	publish	VERB
cblr-9983	581	42	,	,	PUNCT
cblr-9983	581	43	either	either	CCONJ
cblr-9983	581	44	for	for	ADP
cblr-9983	581	45	individual	individual	ADJ
cblr-9983	581	46	banks	bank	NOUN
cblr-9983	581	47	or	or	CCONJ
cblr-9983	581	48	in	in	ADP
cblr-9983	581	49	the	the	DET
cblr-9983	581	50	aggregate.93	aggregate.93	NOUN
cblr-9983	581	51	indeed	indeed	ADV
cblr-9983	581	52	,	,	PUNCT
cblr-9983	581	53	banks	bank	NOUN
cblr-9983	581	54	may	may	AUX
cblr-9983	581	55	not	not	PART
cblr-9983	581	56	release	release	VERB
cblr-9983	581	57	their	their	PRON
cblr-9983	581	58	own	own	ADJ
cblr-9983	581	59	ratings	rating	NOUN
cblr-9983	581	60	without	without	ADP
cblr-9983	581	61	the	the	DET
cblr-9983	581	62	permission	permission	NOUN
cblr-9983	581	63	of	of	ADP
cblr-9983	581	64	their	their	PRON
cblr-9983	581	65	supervisor.94	supervisor.94	NOUN
cblr-9983	581	66	the	the	DET
cblr-9983	581	67	ratings	rating	NOUN
cblr-9983	581	68	process	process	NOUN
cblr-9983	581	69	has	have	AUX
cblr-9983	581	70	revealed	reveal	VERB
cblr-9983	581	71	a	a	DET
cblr-9983	581	72	kind	kind	NOUN
cblr-9983	581	73	of	of	ADP
cblr-9983	581	74	supervisory	supervisory	ADJ
cblr-9983	581	75	procyclicality	procyclicality	NOUN
cblr-9983	581	76	that	that	PRON
cblr-9983	581	77	paralleled	parallel	VERB
cblr-9983	581	78	bank	bank	NOUN
cblr-9983	581	79	lending	lending	NOUN
cblr-9983	581	80	behavior	behavior	NOUN
cblr-9983	581	81	.	.	PUNCT
cblr-9983	582	1	in	in	ADP
cblr-9983	582	2	the	the	DET
cblr-9983	582	3	years	year	NOUN
cblr-9983	582	4	leading	lead	VERB
cblr-9983	582	5	up	up	ADP
cblr-9983	582	6	to	to	ADP
cblr-9983	582	7	the	the	DET
cblr-9983	582	8	crisis	crisis	NOUN
cblr-9983	582	9	,	,	PUNCT
cblr-9983	582	10	ratings	rating	NOUN
cblr-9983	582	11	were	be	AUX
cblr-9983	582	12	generally	generally	ADV
cblr-9983	582	13	high.95	high.95	NOUN
cblr-9983	582	14	following	follow	VERB
cblr-9983	582	15	the	the	DET
cblr-9983	582	16	onset	onset	NOUN
cblr-9983	582	17	of	of	ADP
cblr-9983	582	18	the	the	DET
cblr-9983	582	19	crisis	crisis	NOUN
cblr-9983	582	20	and	and	CCONJ
cblr-9983	582	21	the	the	DET
cblr-9983	582	22	great	great	ADJ
cblr-9983	582	23	recession	recession	NOUN
cblr-9983	582	24	that	that	PRON
cblr-9983	582	25	followed	follow	VERB
cblr-9983	582	26	,	,	PUNCT
cblr-9983	582	27	bank	bank	NOUN
cblr-9983	582	28	ratings	rating	NOUN
cblr-9983	582	29	were	be	AUX
cblr-9983	582	30	set	set	VERB
cblr-9983	582	31	substantially	substantially	ADV
cblr-9983	582	32	lower	low	ADJ
cblr-9983	582	33	.	.	PUNCT
cblr-9983	583	1	while	while	SCONJ
cblr-9983	583	2	this	this	DET
cblr-9983	583	3	shift	shift	NOUN
cblr-9983	583	4	is	be	AUX
cblr-9983	583	5	in	in	ADP
cblr-9983	583	6	part	part	NOUN
cblr-9983	583	7	explicable	explicable	ADJ
cblr-9983	583	8	by	by	ADP
cblr-9983	583	9	the	the	DET
cblr-9983	583	10	obvious	obvious	ADJ
cblr-9983	583	11	fact	fact	NOUN
cblr-9983	583	12	that	that	SCONJ
cblr-9983	583	13	the	the	DET
cblr-9983	583	14	balance	balance	NOUN
cblr-9983	583	15	sheets	sheet	NOUN
cblr-9983	583	16	of	of	ADP
cblr-9983	583	17	all	all	DET
cblr-9983	583	18	banks	bank	NOUN
cblr-9983	583	19	had	have	AUX
cblr-9983	583	20	been	be	AUX
cblr-9983	583	21	adversely	adversely	ADV
cblr-9983	583	22	affected	affect	VERB
cblr-9983	583	23	by	by	ADP
cblr-9983	583	24	the	the	DET
cblr-9983	583	25	severe	severe	ADJ
cblr-9983	583	26	economic	economic	ADJ
cblr-9983	583	27	conditions	condition	NOUN
cblr-9983	583	28	,	,	PUNCT
cblr-9983	583	29	the	the	DET
cblr-9983	583	30	management	management	NOUN
cblr-9983	583	31	and	and	CCONJ
cblr-9983	583	32	risk	risk	NOUN
cblr-9983	583	33	management	management	NOUN
cblr-9983	583	34	capacities	capacity	NOUN
cblr-9983	583	35	of	of	ADP
cblr-9983	583	36	banks	bank	NOUN
cblr-9983	583	37	did	do	AUX
cblr-9983	583	38	not	not	PART
cblr-9983	583	39	change	change	VERB
cblr-9983	583	40	dramatically	dramatically	ADV
cblr-9983	583	41	between	between	ADP
cblr-9983	583	42	mid-2007	mid-2007	NOUN
cblr-9983	583	43	and	and	CCONJ
cblr-9983	583	44	91	91	NUM
cblr-9983	583	45	see	see	VERB
cblr-9983	583	46	large	large	ADJ
cblr-9983	583	47	financial	financial	ADJ
cblr-9983	583	48	institution	institution	NOUN
cblr-9983	583	49	rating	rating	NOUN
cblr-9983	583	50	system	system	NOUN
cblr-9983	583	51	,	,	PUNCT
cblr-9983	583	52	regulations	regulation	NOUN
cblr-9983	583	53	k	k	PROPN
cblr-9983	583	54	and	and	CCONJ
cblr-9983	583	55	ll	ll	AUX
cblr-9983	583	56	,	,	PUNCT
cblr-9983	583	57	83	83	NUM
cblr-9983	583	58	fed	feed	VERB
cblr-9983	583	59	.	.	PUNCT
cblr-9983	584	1	reg	reg	PROPN
cblr-9983	584	2	at	at	ADP
cblr-9983	584	3	58,730	58,730	NUM
cblr-9983	584	4	.	.	PUNCT
cblr-9983	585	1	92	92	NUM
cblr-9983	585	2	e.g.	e.g.	ADJ
cblr-9983	585	3	,	,	PUNCT
cblr-9983	585	4	12	12	NUM
cblr-9983	585	5	c.f.r	c.f.r	NOUN
cblr-9983	585	6	.	.	PUNCT
cblr-9983	586	1	§	§	PROPN
cblr-9983	586	2	327.9(a)(4	327.9(a)(4	NUM
cblr-9983	586	3	)	)	PUNCT
cblr-9983	586	4	.	.	PUNCT
cblr-9983	587	1	the	the	DET
cblr-9983	587	2	statutory	statutory	ADJ
cblr-9983	587	3	requirement	requirement	NOUN
cblr-9983	587	4	for	for	ADP
cblr-9983	587	5	a	a	DET
cblr-9983	587	6	riskbased	riskbase	VERB
cblr-9983	587	7	premium	premium	NOUN
cblr-9983	587	8	system	system	NOUN
cblr-9983	587	9	is	be	AUX
cblr-9983	587	10	in	in	ADP
cblr-9983	587	11	12	12	NUM
cblr-9983	587	12	u.s.c	u.s.c	NOUN
cblr-9983	587	13	.	.	PUNCT
cblr-9983	588	1	§	§	PROPN
cblr-9983	588	2	1817(b)(1	1817(b)(1	NUM
cblr-9983	588	3	)	)	PUNCT
cblr-9983	588	4	.	.	PUNCT
cblr-9983	589	1	93	93	NUM
cblr-9983	589	2	in	in	ADP
cblr-9983	589	3	its	its	PRON
cblr-9983	589	4	quarterly	quarterly	ADJ
cblr-9983	589	5	banking	banking	NOUN
cblr-9983	589	6	profile	profile	NOUN
cblr-9983	589	7	,	,	PUNCT
cblr-9983	589	8	the	the	DET
cblr-9983	589	9	fdic	fdic	PROPN
cblr-9983	589	10	identifies	identify	VERB
cblr-9983	589	11	the	the	DET
cblr-9983	589	12	number	number	NOUN
cblr-9983	589	13	of	of	ADP
cblr-9983	589	14	“	"	PUNCT
cblr-9983	589	15	problem	problem	NOUN
cblr-9983	589	16	banks	bank	NOUN
cblr-9983	589	17	”	"	PUNCT
cblr-9983	589	18	and	and	CCONJ
cblr-9983	589	19	their	their	PRON
cblr-9983	589	20	aggregate	aggregate	ADJ
cblr-9983	589	21	assets	asset	NOUN
cblr-9983	589	22	.	.	PUNCT
cblr-9983	590	1	fed	fed	PROPN
cblr-9983	590	2	.	.	PUNCT
cblr-9983	591	1	deposit	deposit	PROPN
cblr-9983	591	2	ins	ins	PROPN
cblr-9983	591	3	.	.	PUNCT
cblr-9983	591	4	corp	corp	PROPN
cblr-9983	591	5	.	.	PROPN
cblr-9983	591	6	,	,	PUNCT
cblr-9983	591	7	quarterly	quarterly	ADJ
cblr-9983	591	8	banking	banking	NOUN
cblr-9983	591	9	profile	profile	NOUN
cblr-9983	591	10	:	:	PUNCT
cblr-9983	591	11	fourth	fourth	ADJ
cblr-9983	591	12	quarter	quarter	NOUN
cblr-9983	591	13	2021	2021	NUM
cblr-9983	591	14	,	,	PUNCT
cblr-9983	591	15	at	at	ADP
cblr-9983	591	16	31	31	NUM
cblr-9983	591	17	(	(	PUNCT
cblr-9983	591	18	2021	2021	NUM
cblr-9983	591	19	)	)	PUNCT
cblr-9983	591	20	,	,	PUNCT
cblr-9983	591	21	https://www.fdic.gov/analysis/quarterly-bankingprofile/qbp/2021dec/qbp.pdf	https://www.fdic.gov/analysis/quarterly-bankingprofile/qbp/2021dec/qbp.pdf	VERB
cblr-9983	591	22	[	[	X
cblr-9983	591	23	https://perma.cc/39sv-3k6k	https://perma.cc/39sv-3k6k	X
cblr-9983	591	24	]	]	PUNCT
cblr-9983	591	25	.	.	PUNCT
cblr-9983	592	1	problem	problem	NOUN
cblr-9983	592	2	banks	bank	NOUN
cblr-9983	592	3	are	be	AUX
cblr-9983	592	4	those	those	PRON
cblr-9983	592	5	rated	rate	VERB
cblr-9983	592	6	4	4	NUM
cblr-9983	592	7	or	or	CCONJ
cblr-9983	592	8	5	5	NUM
cblr-9983	592	9	.	.	PUNCT
cblr-9983	593	1	i	i	PRON
cblr-9983	593	2	d.	d.	PROPN
cblr-9983	593	3	there	there	PRON
cblr-9983	593	4	have	have	AUX
cblr-9983	593	5	been	be	AUX
cblr-9983	593	6	a	a	DET
cblr-9983	593	7	few	few	ADJ
cblr-9983	593	8	studies	study	NOUN
cblr-9983	593	9	undertaken	undertake	VERB
cblr-9983	593	10	and	and	CCONJ
cblr-9983	593	11	then	then	ADV
cblr-9983	593	12	published	publish	VERB
cblr-9983	593	13	by	by	ADP
cblr-9983	593	14	the	the	DET
cblr-9983	593	15	regulatory	regulatory	ADJ
cblr-9983	593	16	agencies	agency	NOUN
cblr-9983	593	17	themselves	themselves	PRON
cblr-9983	593	18	on	on	ADP
cblr-9983	593	19	trends	trend	NOUN
cblr-9983	593	20	in	in	ADP
cblr-9983	593	21	past	past	ADJ
cblr-9983	593	22	ratings	rating	NOUN
cblr-9983	593	23	.	.	PUNCT
cblr-9983	594	1	see	see	VERB
cblr-9983	594	2	,	,	PUNCT
cblr-9983	594	3	e.g.	e.g.	ADV
cblr-9983	594	4	,	,	PUNCT
cblr-9983	594	5	william	william	PROPN
cblr-9983	594	6	bassett	bassett	PROPN
cblr-9983	594	7	,	,	PUNCT
cblr-9983	594	8	seung	seung	PROPN
cblr-9983	594	9	jung	jung	PROPN
cblr-9983	594	10	lee	lee	PROPN
cblr-9983	594	11	&	&	CCONJ
cblr-9983	594	12	thomas	thomas	PROPN
cblr-9983	594	13	popeck	popeck	PROPN
cblr-9983	594	14	spiller	spiller	NOUN
cblr-9983	594	15	,	,	PUNCT
cblr-9983	594	16	estimating	estimate	VERB
cblr-9983	594	17	changes	change	NOUN
cblr-9983	594	18	in	in	ADP
cblr-9983	594	19	supervisory	supervisory	ADJ
cblr-9983	594	20	standards	standard	NOUN
cblr-9983	594	21	and	and	CCONJ
cblr-9983	594	22	their	their	PRON
cblr-9983	594	23	economic	economic	ADJ
cblr-9983	594	24	effects	effect	NOUN
cblr-9983	594	25	,	,	PUNCT
cblr-9983	594	26	j.	j.	PROPN
cblr-9983	594	27	banking	banking	PROPN
cblr-9983	594	28	&	&	CCONJ
cblr-9983	594	29	fin	fin	PROPN
cblr-9983	594	30	.	.	PUNCT
cblr-9983	594	31	,	,	PUNCT
cblr-9983	594	32	nov	nov	PROPN
cblr-9983	594	33	.	.	PROPN
cblr-9983	594	34	2015	2015	NUM
cblr-9983	594	35	,	,	PUNCT
cblr-9983	594	36	at	at	ADP
cblr-9983	594	37	21	21	NUM
cblr-9983	594	38	.	.	PUNCT
cblr-9983	594	39	94	94	NUM
cblr-9983	594	40	off	off	ADP
cblr-9983	594	41	.	.	PUNCT
cblr-9983	595	1	of	of	ADP
cblr-9983	595	2	the	the	DET
cblr-9983	595	3	comptroller	comptroller	NOUN
cblr-9983	595	4	of	of	ADP
cblr-9983	595	5	the	the	DET
cblr-9983	595	6	currency	currency	NOUN
cblr-9983	595	7	,	,	PUNCT
cblr-9983	595	8	occ	occ	X
cblr-9983	595	9	2019	2019	NUM
cblr-9983	595	10	-	-	SYM
cblr-9983	595	11	15	15	NUM
cblr-9983	595	12	:	:	PUNCT
cblr-9983	595	13	supervisory	supervisory	ADJ
cblr-9983	595	14	ratings	rating	NOUN
cblr-9983	595	15	and	and	CCONJ
cblr-9983	595	16	other	other	ADJ
cblr-9983	595	17	nonpublic	nonpublic	ADJ
cblr-9983	595	18	occ	occ	NOUN
cblr-9983	595	19	information	information	NOUN
cblr-9983	595	20	:	:	PUNCT
cblr-9983	595	21	statement	statement	NOUN
cblr-9983	595	22	of	of	ADP
cblr-9983	595	23	confidentiality	confidentiality	NOUN
cblr-9983	595	24	(	(	PUNCT
cblr-9983	595	25	mar	mar	PROPN
cblr-9983	595	26	.	.	PROPN
cblr-9983	595	27	25	25	NUM
cblr-9983	595	28	,	,	PUNCT
cblr-9983	595	29	2019	2019	NUM
cblr-9983	595	30	)	)	PUNCT
cblr-9983	595	31	,	,	PUNCT
cblr-9983	595	32	https://www.occ.gov/newsissuances/bulletins/2019/bulletin-2019-15.html	https://www.occ.gov/newsissuances/bulletins/2019/bulletin-2019-15.html	NOUN
cblr-9983	596	1	[	[	X
cblr-9983	596	2	https://perma.cc/u6yyeler	https://perma.cc/u6yyeler	X
cblr-9983	596	3	]	]	X
cblr-9983	596	4	.	.	PUNCT
cblr-9983	597	1	95	95	NUM
cblr-9983	597	2	knowledge	knowledge	NOUN
cblr-9983	597	3	of	of	ADP
cblr-9983	597	4	banks	bank	NOUN
cblr-9983	597	5	’	'	PUNCT
cblr-9983	597	6	ratings	rating	NOUN
cblr-9983	597	7	is	be	AUX
cblr-9983	597	8	based	base	VERB
cblr-9983	597	9	on	on	ADP
cblr-9983	597	10	the	the	DET
cblr-9983	597	11	author	author	NOUN
cblr-9983	597	12	’s	’s	PART
cblr-9983	597	13	personal	personal	ADJ
cblr-9983	597	14	experience	experience	NOUN
cblr-9983	597	15	working	work	VERB
cblr-9983	597	16	at	at	ADP
cblr-9983	597	17	the	the	DET
cblr-9983	597	18	federal	federal	PROPN
cblr-9983	597	19	reserve	reserve	PROPN
cblr-9983	597	20	.	.	PUNCT
cblr-9983	598	1	cf	cf	NOUN
cblr-9983	598	2	.	.	PUNCT
cblr-9983	599	1	fed	fed	PROPN
cblr-9983	599	2	.	.	PUNCT
cblr-9983	600	1	deposit	deposit	PROPN
cblr-9983	600	2	ins	ins	PROPN
cblr-9983	600	3	.	.	PUNCT
cblr-9983	600	4	corp	corp	PROPN
cblr-9983	600	5	.	.	PROPN
cblr-9983	600	6	,	,	PUNCT
cblr-9983	600	7	quarterly	quarterly	ADJ
cblr-9983	600	8	banking	banking	NOUN
cblr-9983	600	9	profile	profile	NOUN
cblr-9983	600	10	:	:	PUNCT
cblr-9983	600	11	fourth	fourth	ADJ
cblr-9983	600	12	quarter	quarter	NOUN
cblr-9983	600	13	2009	2009	NUM
cblr-9983	600	14	,	,	PUNCT
cblr-9983	600	15	at	at	ADP
cblr-9983	600	16	17	17	NUM
cblr-9983	600	17	tbl.ii	tbl.ii	NUM
cblr-9983	600	18	-	-	PUNCT
cblr-9983	600	19	b	b	NOUN
cblr-9983	600	20	(	(	PUNCT
cblr-9983	600	21	2009	2009	NUM
cblr-9983	600	22	)	)	PUNCT
cblr-9983	600	23	,	,	PUNCT
cblr-9983	600	24	https://www.fdic.gov/analysis/quarterly-bankingprofile/qbp/2009dec/qbp.pdf	https://www.fdic.gov/analysis/quarterly-bankingprofile/qbp/2009dec/qbp.pdf	PROPN
cblr-9983	601	1	[	[	X
cblr-9983	601	2	https://perma.cc/7zva-jj7p	https://perma.cc/7zva-jj7p	X
cblr-9983	601	3	]	]	PUNCT
cblr-9983	601	4	(	(	PUNCT
cblr-9983	601	5	showing	show	VERB
cblr-9983	601	6	the	the	DET
cblr-9983	601	7	number	number	NOUN
cblr-9983	601	8	of	of	ADP
cblr-9983	601	9	“	"	PUNCT
cblr-9983	601	10	problem	problem	NOUN
cblr-9983	601	11	”	"	PUNCT
cblr-9983	601	12	deposit	deposit	NOUN
cblr-9983	601	13	insurance	insurance	NOUN
cblr-9983	601	14	funds	fund	NOUN
cblr-9983	601	15	rose	rise	VERB
cblr-9983	601	16	from	from	ADP
cblr-9983	601	17	76	76	NUM
cblr-9983	601	18	in	in	ADP
cblr-9983	601	19	2007	2007	NUM
cblr-9983	601	20	to	to	ADP
cblr-9983	601	21	702	702	NUM
cblr-9983	601	22	in	in	ADP
cblr-9983	601	23	2009	2009	NUM
cblr-9983	601	24	)	)	PUNCT
cblr-9983	601	25	.	.	PUNCT
cblr-9983	602	1	312	312	NUM
cblr-9983	602	2	columbia	columbia	PROPN
cblr-9983	602	3	business	business	NOUN
cblr-9983	602	4	law	law	PROPN
cblr-9983	602	5	review	review	NOUN
cblr-9983	602	6	[	[	X
cblr-9983	602	7	vol	vol	NOUN
cblr-9983	602	8	.	.	PUNCT
cblr-9983	602	9	2022	2022	NUM
cblr-9983	602	10	late	late	ADJ
cblr-9983	602	11	2008	2008	NUM
cblr-9983	602	12	.	.	PUNCT
cblr-9983	603	1	instead	instead	ADV
cblr-9983	603	2	,	,	PUNCT
cblr-9983	603	3	supervisors	supervisor	NOUN
cblr-9983	603	4	may	may	AUX
cblr-9983	603	5	have	have	AUX
cblr-9983	603	6	realized	realize	VERB
cblr-9983	603	7	that	that	SCONJ
cblr-9983	603	8	they	they	PRON
cblr-9983	603	9	had	have	AUX
cblr-9983	603	10	not	not	PART
cblr-9983	603	11	adequately	adequately	ADV
cblr-9983	603	12	assessed	assess	VERB
cblr-9983	603	13	the	the	DET
cblr-9983	603	14	shortcomings	shortcoming	NOUN
cblr-9983	603	15	in	in	ADP
cblr-9983	603	16	risk	risk	NOUN
cblr-9983	603	17	management	management	NOUN
cblr-9983	603	18	and	and	CCONJ
cblr-9983	603	19	other	other	ADJ
cblr-9983	603	20	characteristics	characteristic	NOUN
cblr-9983	603	21	of	of	ADP
cblr-9983	603	22	banks	bank	NOUN
cblr-9983	603	23	and	and	CCONJ
cblr-9983	603	24	so	so	ADV
cblr-9983	603	25	appropriately	appropriately	ADV
cblr-9983	603	26	rated	rate	VERB
cblr-9983	603	27	many	many	ADJ
cblr-9983	603	28	banks	bank	NOUN
cblr-9983	603	29	lower	low	ADJ
cblr-9983	603	30	.	.	PUNCT
cblr-9983	604	1	in	in	ADP
cblr-9983	604	2	at	at	ADV
cblr-9983	604	3	least	least	ADJ
cblr-9983	604	4	some	some	PRON
cblr-9983	604	5	cases	case	NOUN
cblr-9983	604	6	,	,	PUNCT
cblr-9983	604	7	supervisors	supervisor	NOUN
cblr-9983	604	8	may	may	AUX
cblr-9983	604	9	have	have	AUX
cblr-9983	604	10	erred	err	VERB
cblr-9983	604	11	on	on	ADP
cblr-9983	604	12	the	the	DET
cblr-9983	604	13	side	side	NOUN
cblr-9983	604	14	of	of	ADP
cblr-9983	604	15	lower	low	ADJ
cblr-9983	604	16	ratings	rating	NOUN
cblr-9983	604	17	in	in	ADP
cblr-9983	604	18	response	response	NOUN
cblr-9983	604	19	to	to	ADP
cblr-9983	604	20	widespread	widespread	ADJ
cblr-9983	604	21	criticism	criticism	NOUN
cblr-9983	604	22	of	of	ADP
cblr-9983	604	23	pre	pre	ADJ
cblr-9983	604	24	-	-	ADJ
cblr-9983	604	25	crisis	crisis	ADJ
cblr-9983	604	26	supervision	supervision	NOUN
cblr-9983	604	27	.	.	PUNCT
cblr-9983	605	1	in	in	ADP
cblr-9983	605	2	the	the	DET
cblr-9983	605	3	years	year	NOUN
cblr-9983	605	4	following	follow	VERB
cblr-9983	605	5	the	the	DET
cblr-9983	605	6	crisis	crisis	NOUN
cblr-9983	605	7	,	,	PUNCT
cblr-9983	605	8	the	the	DET
cblr-9983	605	9	most	most	ADV
cblr-9983	605	10	frequent	frequent	ADJ
cblr-9983	605	11	(	(	PUNCT
cblr-9983	605	12	though	though	SCONJ
cblr-9983	605	13	not	not	PART
cblr-9983	605	14	the	the	DET
cblr-9983	605	15	only	only	ADJ
cblr-9983	605	16	)	)	PUNCT
cblr-9983	605	17	complaint	complaint	NOUN
cblr-9983	605	18	from	from	ADP
cblr-9983	605	19	bankers	banker	NOUN
cblr-9983	605	20	had	have	VERB
cblr-9983	605	21	less	less	ADJ
cblr-9983	605	22	to	to	PART
cblr-9983	605	23	do	do	VERB
cblr-9983	605	24	with	with	ADP
cblr-9983	605	25	the	the	DET
cblr-9983	605	26	initial	initial	ADJ
cblr-9983	605	27	downgrades	downgrade	NOUN
cblr-9983	605	28	than	than	ADP
cblr-9983	605	29	with	with	ADP
cblr-9983	605	30	what	what	PRON
cblr-9983	605	31	they	they	PRON
cblr-9983	605	32	perceived	perceive	VERB
cblr-9983	605	33	to	to	PART
cblr-9983	605	34	be	be	AUX
cblr-9983	605	35	the	the	DET
cblr-9983	605	36	frustrating	frustrating	ADJ
cblr-9983	605	37	vagueness	vagueness	NOUN
cblr-9983	605	38	in	in	ADP
cblr-9983	605	39	supervisory	supervisory	ADJ
cblr-9983	605	40	standards	standard	NOUN
cblr-9983	605	41	for	for	SCONJ
cblr-9983	605	42	banks	bank	NOUN
cblr-9983	605	43	to	to	PART
cblr-9983	605	44	follow	follow	VERB
cblr-9983	605	45	to	to	PART
cblr-9983	605	46	restore	restore	VERB
cblr-9983	605	47	their	their	PRON
cblr-9983	605	48	higher	high	ADJ
cblr-9983	605	49	ratings	rating	NOUN
cblr-9983	605	50	.	.	PUNCT
cblr-9983	606	1	because	because	SCONJ
cblr-9983	606	2	the	the	DET
cblr-9983	606	3	ratings	rating	NOUN
cblr-9983	606	4	,	,	PUNCT
cblr-9983	606	5	examination	examination	NOUN
cblr-9983	606	6	reports	report	NOUN
cblr-9983	606	7	,	,	PUNCT
cblr-9983	606	8	and	and	CCONJ
cblr-9983	606	9	some	some	DET
cblr-9983	606	10	other	other	ADJ
cblr-9983	606	11	forms	form	NOUN
cblr-9983	606	12	of	of	ADP
cblr-9983	606	13	supervisory	supervisory	ADJ
cblr-9983	606	14	communications	communication	NOUN
cblr-9983	606	15	are	be	AUX
cblr-9983	606	16	not	not	PART
cblr-9983	606	17	publicly	publicly	ADV
cblr-9983	606	18	available	available	ADJ
cblr-9983	606	19	,	,	PUNCT
cblr-9983	606	20	there	there	PRON
cblr-9983	606	21	are	be	VERB
cblr-9983	606	22	relatively	relatively	ADV
cblr-9983	606	23	few	few	ADJ
cblr-9983	606	24	studies	study	NOUN
cblr-9983	606	25	of	of	ADP
cblr-9983	606	26	the	the	DET
cblr-9983	606	27	effectiveness	effectiveness	NOUN
cblr-9983	606	28	of	of	ADP
cblr-9983	606	29	supervision	supervision	NOUN
cblr-9983	606	30	.	.	PUNCT
cblr-9983	607	1	those	those	PRON
cblr-9983	607	2	that	that	PRON
cblr-9983	607	3	assess	assess	VERB
cblr-9983	607	4	supervisory	supervisory	ADJ
cblr-9983	607	5	effectiveness	effectiveness	NOUN
cblr-9983	607	6	directly	directly	ADV
cblr-9983	607	7	tend	tend	VERB
cblr-9983	607	8	to	to	PART
cblr-9983	607	9	come	come	VERB
cblr-9983	607	10	from	from	ADP
cblr-9983	607	11	researchers	researcher	NOUN
cblr-9983	607	12	at	at	ADP
cblr-9983	607	13	bank	bank	NOUN
cblr-9983	607	14	regulatory	regulatory	ADJ
cblr-9983	607	15	agencies	agency	NOUN
cblr-9983	607	16	with	with	ADP
cblr-9983	607	17	access	access	NOUN
cblr-9983	607	18	to	to	ADP
cblr-9983	607	19	supervisory	supervisory	ADJ
cblr-9983	607	20	information	information	NOUN
cblr-9983	607	21	not	not	PART
cblr-9983	607	22	available	available	ADJ
cblr-9983	607	23	to	to	ADP
cblr-9983	607	24	outsiders.96	outsiders.96	PROPN
cblr-9983	607	25	a	a	DET
cblr-9983	607	26	study	study	NOUN
cblr-9983	607	27	from	from	ADP
cblr-9983	607	28	researchers	researcher	NOUN
cblr-9983	607	29	at	at	ADP
cblr-9983	607	30	the	the	DET
cblr-9983	607	31	federal	federal	PROPN
cblr-9983	607	32	reserve	reserve	PROPN
cblr-9983	607	33	bank	bank	PROPN
cblr-9983	607	34	of	of	ADP
cblr-9983	607	35	new	new	PROPN
cblr-9983	607	36	york	york	PROPN
cblr-9983	607	37	concluded	conclude	VERB
cblr-9983	607	38	that	that	SCONJ
cblr-9983	607	39	firms	firm	NOUN
cblr-9983	607	40	supervised	supervise	VERB
cblr-9983	607	41	in	in	ADP
cblr-9983	607	42	a	a	DET
cblr-9983	607	43	relatively	relatively	ADV
cblr-9983	607	44	intense	intense	ADJ
cblr-9983	607	45	fashion	fashion	NOUN
cblr-9983	607	46	as	as	SCONJ
cblr-9983	607	47	compared	compare	VERB
cblr-9983	607	48	to	to	ADP
cblr-9983	607	49	roughly	roughly	ADV
cblr-9983	607	50	similar	similar	ADJ
cblr-9983	607	51	firms	firm	NOUN
cblr-9983	607	52	,	,	PUNCT
cblr-9983	607	53	have	have	VERB
cblr-9983	607	54	lower	low	ADJ
cblr-9983	607	55	volatility	volatility	NOUN
cblr-9983	607	56	of	of	ADP
cblr-9983	607	57	earnings	earning	NOUN
cblr-9983	607	58	and	and	CCONJ
cblr-9983	607	59	market	market	NOUN
cblr-9983	607	60	returns	return	NOUN
cblr-9983	607	61	,	,	PUNCT
cblr-9983	607	62	hold	hold	VERB
cblr-9983	607	63	less	less	ADV
cblr-9983	607	64	risky	risky	ADJ
cblr-9983	607	65	loan	loan	NOUN
cblr-9983	607	66	portfolios	portfolio	NOUN
cblr-9983	607	67	,	,	PUNCT
cblr-9983	607	68	and	and	CCONJ
cblr-9983	607	69	engage	engage	VERB
cblr-9983	607	70	in	in	ADP
cblr-9983	607	71	more	more	ADJ
cblr-9983	607	72	conservative	conservative	ADJ
cblr-9983	607	73	loan	loan	NOUN
cblr-9983	607	74	loss	loss	NOUN
cblr-9983	607	75	reserving	reserving	NOUN
cblr-9983	607	76	practices.97	practices.97	NOUN
cblr-9983	607	77	one	one	NUM
cblr-9983	607	78	of	of	ADP
cblr-9983	607	79	the	the	DET
cblr-9983	607	80	more	more	ADV
cblr-9983	607	81	96	96	NUM
cblr-9983	607	82	in	in	ADP
cblr-9983	607	83	order	order	NOUN
cblr-9983	607	84	to	to	PART
cblr-9983	607	85	protect	protect	VERB
cblr-9983	607	86	firm	firm	ADJ
cblr-9983	607	87	-	-	PUNCT
cblr-9983	607	88	specific	specific	ADJ
cblr-9983	607	89	supervisory	supervisory	ADJ
cblr-9983	607	90	information	information	NOUN
cblr-9983	607	91	,	,	PUNCT
cblr-9983	607	92	these	these	DET
cblr-9983	607	93	papers	paper	NOUN
cblr-9983	607	94	typically	typically	ADV
cblr-9983	607	95	aggregate	aggregate	VERB
cblr-9983	607	96	that	that	DET
cblr-9983	607	97	information	information	NOUN
cblr-9983	607	98	,	,	PUNCT
cblr-9983	607	99	so	so	ADV
cblr-9983	607	100	independent	independent	ADJ
cblr-9983	607	101	evaluation	evaluation	NOUN
cblr-9983	607	102	of	of	ADP
cblr-9983	607	103	these	these	DET
cblr-9983	607	104	studies	study	NOUN
cblr-9983	607	105	is	be	AUX
cblr-9983	607	106	not	not	PART
cblr-9983	607	107	easy	easy	ADJ
cblr-9983	607	108	.	.	PUNCT
cblr-9983	608	1	in	in	ADP
cblr-9983	608	2	recent	recent	ADJ
cblr-9983	608	3	years	year	NOUN
cblr-9983	608	4	academic	academic	ADJ
cblr-9983	608	5	researchers	researcher	NOUN
cblr-9983	608	6	have	have	AUX
cblr-9983	608	7	used	use	VERB
cblr-9983	608	8	some	some	DET
cblr-9983	608	9	surrogates	surrogate	NOUN
cblr-9983	608	10	for	for	ADP
cblr-9983	608	11	supervisory	supervisory	ADJ
cblr-9983	608	12	intensity	intensity	NOUN
cblr-9983	608	13	in	in	ADP
cblr-9983	608	14	studying	study	VERB
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cblr-9983	608	17	of	of	ADP
cblr-9983	608	18	supervision	supervision	NOUN
cblr-9983	608	19	.	.	PUNCT
cblr-9983	609	1	a	a	DET
cblr-9983	609	2	review	review	NOUN
cblr-9983	609	3	of	of	ADP
cblr-9983	609	4	the	the	DET
cblr-9983	609	5	literature	literature	NOUN
cblr-9983	609	6	on	on	ADP
cblr-9983	609	7	supervision	supervision	NOUN
cblr-9983	609	8	is	be	AUX
cblr-9983	609	9	included	include	VERB
cblr-9983	609	10	in	in	ADP
cblr-9983	609	11	hirtle	hirtle	PROPN
cblr-9983	609	12	&	&	CCONJ
cblr-9983	609	13	kovner	kovner	NOUN
cblr-9983	609	14	,	,	PUNCT
cblr-9983	609	15	supra	supra	PROPN
cblr-9983	609	16	note	note	NOUN
cblr-9983	609	17	47	47	NUM
cblr-9983	609	18	.	.	PUNCT
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cblr-9983	609	21	hirtle	hirtle	NOUN
cblr-9983	609	22	,	,	PUNCT
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cblr-9983	609	25	&	&	CCONJ
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cblr-9983	609	28	,	,	PUNCT
cblr-9983	609	29	fed	fed	PROPN
cblr-9983	609	30	.	.	PUNCT
cblr-9983	610	1	rsrv	rsrv	PROPN
cblr-9983	610	2	.	.	PUNCT
cblr-9983	611	1	bank	bank	PROPN
cblr-9983	611	2	of	of	ADP
cblr-9983	611	3	n.y	n.y	PROPN
cblr-9983	611	4	.	.	PROPN
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cblr-9983	611	6	rep	rep	PROPN
cblr-9983	611	7	.	.	PROPN
cblr-9983	612	1	no	no	INTJ
cblr-9983	613	1	.	.	NOUN
cblr-9983	613	2	768	768	NUM
cblr-9983	613	3	,	,	PUNCT
cblr-9983	613	4	the	the	DET
cblr-9983	613	5	impact	impact	NOUN
cblr-9983	613	6	of	of	ADP
cblr-9983	613	7	supervision	supervision	NOUN
cblr-9983	613	8	on	on	ADP
cblr-9983	613	9	bank	bank	NOUN
cblr-9983	613	10	performance	performance	NOUN
cblr-9983	613	11	2	2	NUM
cblr-9983	613	12	,	,	PUNCT
cblr-9983	613	13	47	47	NUM
cblr-9983	613	14	(	(	PUNCT
cblr-9983	613	15	2016	2016	NUM
cblr-9983	613	16	)	)	PUNCT
cblr-9983	613	17	,	,	PUNCT
cblr-9983	613	18	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr7	https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr7	PROPN
cblr-9983	613	19	68.html	68.html	PROPN
cblr-9983	614	1	[	[	X
cblr-9983	614	2	https://perma.cc/y4sx-sr6	https://perma.cc/y4sx-sr6	NOUN
cblr-9983	614	3	t	t	PROPN
cblr-9983	614	4	]	]	PUNCT
cblr-9983	614	5	.	.	PUNCT
cblr-9983	615	1	this	this	DET
cblr-9983	615	2	study	study	NOUN
cblr-9983	615	3	was	be	AUX
cblr-9983	615	4	updated	update	VERB
cblr-9983	615	5	to	to	PART
cblr-9983	615	6	consider	consider	VERB
cblr-9983	615	7	the	the	DET
cblr-9983	615	8	effects	effect	NOUN
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cblr-9983	615	13	,	,	PUNCT
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cblr-9983	615	19	.	.	PUNCT
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cblr-9983	617	4	et	et	PROPN
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cblr-9983	617	19	.	.	PUNCT
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cblr-9983	617	21	.	.	PUNCT
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cblr-9983	619	5	.	.	PUNCT
cblr-9983	620	1	(	(	PUNCT
cblr-9983	620	2	apr	apr	PROPN
cblr-9983	620	3	.	.	PROPN
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cblr-9983	620	5	,	,	PUNCT
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cblr-9983	621	1	[	[	X
cblr-9983	621	2	https://perma.cc/3bgk-uvh4	https://perma.cc/3bgk-uvh4	PROPN
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cblr-9983	621	4	.	.	PUNCT
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cblr-9983	622	2	.	.	PUNCT
cblr-9983	623	1	1:279	1:279	NOUN
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cblr-9983	623	37	in	in	ADP
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cblr-9983	623	52	,	,	PUNCT
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cblr-9983	623	57	a	a	DET
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cblr-9983	623	59	and	and	CCONJ
cblr-9983	623	60	more	more	ADV
cblr-9983	623	61	intense	intense	ADJ
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cblr-9983	623	63	in	in	ADP
cblr-9983	623	64	its	its	PRON
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cblr-9983	623	73	that	that	PRON
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cblr-9983	623	75	been	be	AUX
cblr-9983	623	76	designated	designate	VERB
cblr-9983	623	77	as	as	ADP
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cblr-9983	623	84	.	.	PUNCT
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cblr-9983	624	45	,	,	PUNCT
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cblr-9983	625	8	of	of	ADP
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cblr-9983	625	12	,	,	PUNCT
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cblr-9983	625	21	,	,	PUNCT
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cblr-9983	625	23	&	&	CCONJ
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cblr-9983	625	25	,	,	PUNCT
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cblr-9983	625	41	note	note	PROPN
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cblr-9983	638	27	banks	bank	NOUN
cblr-9983	638	28	so	so	ADV
cblr-9983	638	29	identified	identify	VERB
cblr-9983	638	30	.	.	PUNCT
cblr-9983	639	1	originally	originally	ADV
cblr-9983	639	2	the	the	DET
cblr-9983	639	3	u.s	u.s	PROPN
cblr-9983	639	4	.	.	PROPN
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cblr-9983	639	6	of	of	ADP
cblr-9983	639	7	four	four	NUM
cblr-9983	639	8	foreign	foreign	ADJ
cblr-9983	639	9	banks	bank	NOUN
cblr-9983	639	10	were	be	AUX
cblr-9983	639	11	also	also	ADV
cblr-9983	639	12	included	include	VERB
cblr-9983	639	13	in	in	ADP
cblr-9983	639	14	the	the	DET
cblr-9983	639	15	liscc	liscc	ADJ
cblr-9983	639	16	portfolio	portfolio	NOUN
cblr-9983	639	17	.	.	PUNCT
cblr-9983	640	1	those	those	DET
cblr-9983	640	2	banks	bank	NOUN
cblr-9983	640	3	were	be	AUX
cblr-9983	640	4	removed	remove	VERB
cblr-9983	640	5	in	in	ADP
cblr-9983	640	6	late	late	ADJ
cblr-9983	640	7	2020	2020	NUM
cblr-9983	640	8	and	and	CCONJ
cblr-9983	640	9	early	early	ADJ
cblr-9983	640	10	2021	2021	NUM
cblr-9983	640	11	.	.	PUNCT
cblr-9983	641	1	bd	bd	AUX
cblr-9983	641	2	.	.	PROPN
cblr-9983	641	3	of	of	ADP
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cblr-9983	641	5	of	of	ADP
cblr-9983	641	6	the	the	DET
cblr-9983	641	7	fed	fed	PROPN
cblr-9983	641	8	.	.	PUNCT
cblr-9983	641	9	rsrv	rsrv	PROPN
cblr-9983	641	10	.	.	PUNCT
cblr-9983	642	1	sys	sys	PROPN
cblr-9983	642	2	.	.	PROPN
cblr-9983	642	3	,	,	PUNCT
cblr-9983	642	4	sr	sr	PROPN
cblr-9983	642	5	20	20	NUM
cblr-9983	642	6	-	-	SYM
cblr-9983	642	7	30	30	NUM
cblr-9983	642	8	,	,	PUNCT
cblr-9983	642	9	financial	financial	ADJ
cblr-9983	642	10	institutions	institution	NOUN
cblr-9983	642	11	subject	subject	ADJ
cblr-9983	642	12	to	to	ADP
cblr-9983	642	13	the	the	DET
cblr-9983	642	14	liscc	liscc	ADJ
cblr-9983	642	15	supervisory	supervisory	ADJ
cblr-9983	642	16	program	program	NOUN
cblr-9983	642	17	(	(	PUNCT
cblr-9983	642	18	mar	mar	PROPN
cblr-9983	642	19	.	.	PROPN
cblr-9983	642	20	31	31	NUM
cblr-9983	642	21	,	,	PUNCT
cblr-9983	642	22	2021	2021	NUM
cblr-9983	642	23	)	)	PUNCT
cblr-9983	642	24	,	,	PUNCT
cblr-9983	642	25	https://www.federalreserve.gov/supervisionreg/srletters/sr2030.htm	https://www.federalreserve.gov/supervisionreg/srletters/sr2030.htm	PROPN
cblr-9983	643	1	[	[	X
cblr-9983	643	2	https://perma.cc/st2k-rcuc	https://perma.cc/st2k-rcuc	X
cblr-9983	643	3	]	]	X
cblr-9983	643	4	.	.	PUNCT
cblr-9983	644	1	100	100	NUM
cblr-9983	644	2	the	the	DET
cblr-9983	644	3	organization	organization	NOUN
cblr-9983	644	4	of	of	ADP
cblr-9983	644	5	the	the	DET
cblr-9983	644	6	liscc	liscc	NOUN
cblr-9983	644	7	is	be	AUX
cblr-9983	644	8	described	describe	VERB
cblr-9983	644	9	in	in	ADP
cblr-9983	644	10	large	large	ADJ
cblr-9983	644	11	institution	institution	NOUN
cblr-9983	644	12	supervision	supervision	NOUN
cblr-9983	644	13	coordinating	coordinating	NOUN
cblr-9983	644	14	committee	committee	NOUN
cblr-9983	644	15	,	,	PUNCT
cblr-9983	644	16	bd	bd	PROPN
cblr-9983	644	17	.	.	PROPN
cblr-9983	644	18	of	of	ADP
cblr-9983	644	19	governors	governor	NOUN
cblr-9983	644	20	of	of	ADP
cblr-9983	644	21	the	the	DET
cblr-9983	644	22	fed	fed	PROPN
cblr-9983	644	23	.	.	PUNCT
cblr-9983	645	1	rsrv	rsrv	PROPN
cblr-9983	645	2	.	.	PUNCT
cblr-9983	646	1	sys	sys	PROPN
cblr-9983	646	2	.	.	PROPN
cblr-9983	646	3	,	,	PUNCT
cblr-9983	646	4	supra	supra	PROPN
cblr-9983	646	5	note	note	PROPN
cblr-9983	646	6	99	99	NUM
cblr-9983	646	7	.	.	SYM
cblr-9983	646	8	314	314	NUM
cblr-9983	646	9	columbia	columbia	PROPN
cblr-9983	646	10	business	business	NOUN
cblr-9983	646	11	law	law	PROPN
cblr-9983	646	12	review	review	NOUN
cblr-9983	646	13	[	[	X
cblr-9983	646	14	vol	vol	NOUN
cblr-9983	646	15	.	.	PUNCT
cblr-9983	646	16	2022	2022	NUM
cblr-9983	646	17	chaired	chair	VERB
cblr-9983	646	18	by	by	ADP
cblr-9983	646	19	staff	staff	NOUN
cblr-9983	646	20	from	from	ADP
cblr-9983	646	21	the	the	DET
cblr-9983	646	22	board	board	NOUN
cblr-9983	646	23	or	or	CCONJ
cblr-9983	646	24	reserve	reserve	NOUN
cblr-9983	646	25	banks	bank	NOUN
cblr-9983	646	26	,	,	PUNCT
cblr-9983	646	27	but	but	CCONJ
cblr-9983	646	28	with	with	ADP
cblr-9983	646	29	substantial	substantial	ADJ
cblr-9983	646	30	participation	participation	NOUN
cblr-9983	646	31	by	by	ADP
cblr-9983	646	32	supervisors	supervisor	NOUN
cblr-9983	646	33	from	from	ADP
cblr-9983	646	34	all	all	DET
cblr-9983	646	35	reserve	reserve	NOUN
cblr-9983	646	36	banks	bank	NOUN
cblr-9983	646	37	having	have	VERB
cblr-9983	646	38	responsibility	responsibility	NOUN
cblr-9983	646	39	for	for	ADP
cblr-9983	646	40	the	the	DET
cblr-9983	646	41	liscc	liscc	ADJ
cblr-9983	646	42	firms	firm	NOUN
cblr-9983	646	43	.	.	PUNCT
cblr-9983	647	1	supervisors	supervisor	NOUN
cblr-9983	647	2	undertake	undertake	VERB
cblr-9983	647	3	both	both	PRON
cblr-9983	647	4	recurring	recur	VERB
cblr-9983	647	5	and	and	CCONJ
cblr-9983	647	6	ad	ad	X
cblr-9983	647	7	hoc	hoc	X
cblr-9983	647	8	“	"	PUNCT
cblr-9983	647	9	horizontal	horizontal	ADJ
cblr-9983	647	10	reviews	review	NOUN
cblr-9983	647	11	”	"	PUNCT
cblr-9983	647	12	of	of	ADP
cblr-9983	647	13	liscc	liscc	ADJ
cblr-9983	647	14	firms	firm	NOUN
cblr-9983	647	15	in	in	ADP
cblr-9983	647	16	areas	area	NOUN
cblr-9983	647	17	of	of	ADP
cblr-9983	647	18	concern	concern	NOUN
cblr-9983	647	19	,	,	PUNCT
cblr-9983	647	20	meaning	mean	VERB
cblr-9983	647	21	that	that	SCONJ
cblr-9983	647	22	the	the	DET
cblr-9983	647	23	eleven	eleven	NUM
cblr-9983	647	24	firms	firm	NOUN
cblr-9983	647	25	are	be	AUX
cblr-9983	647	26	examined	examine	VERB
cblr-9983	647	27	simultaneously	simultaneously	ADV
cblr-9983	647	28	using	use	VERB
cblr-9983	647	29	a	a	DET
cblr-9983	647	30	single	single	ADJ
cblr-9983	647	31	set	set	NOUN
cblr-9983	647	32	of	of	ADP
cblr-9983	647	33	metrics	metric	NOUN
cblr-9983	647	34	or	or	CCONJ
cblr-9983	647	35	standards	standard	NOUN
cblr-9983	647	36	.	.	PUNCT
cblr-9983	648	1	an	an	DET
cblr-9983	648	2	important	important	ADJ
cblr-9983	648	3	motivation	motivation	NOUN
cblr-9983	648	4	for	for	ADP
cblr-9983	648	5	creation	creation	NOUN
cblr-9983	648	6	of	of	ADP
cblr-9983	648	7	the	the	DET
cblr-9983	648	8	liscc	liscc	NOUN
cblr-9983	648	9	was	be	AUX
cblr-9983	648	10	the	the	DET
cblr-9983	648	11	board	board	NOUN
cblr-9983	648	12	’s	’s	PART
cblr-9983	648	13	conclusion	conclusion	NOUN
cblr-9983	648	14	that	that	SCONJ
cblr-9983	648	15	the	the	DET
cblr-9983	648	16	pre	pre	ADJ
cblr-9983	648	17	-	-	ADJ
cblr-9983	648	18	crisis	crisis	ADJ
cblr-9983	648	19	framework	framework	NOUN
cblr-9983	648	20	for	for	ADP
cblr-9983	648	21	supervision	supervision	NOUN
cblr-9983	648	22	of	of	ADP
cblr-9983	648	23	these	these	DET
cblr-9983	648	24	institutions	institution	NOUN
cblr-9983	648	25	had	have	AUX
cblr-9983	648	26	proved	prove	VERB
cblr-9983	648	27	wanting.101	wanting.101	VERB
cblr-9983	648	28	the	the	DET
cblr-9983	648	29	dedicated	dedicated	ADJ
cblr-9983	648	30	supervisory	supervisory	ADJ
cblr-9983	648	31	teams	team	NOUN
cblr-9983	648	32	had	have	VERB
cblr-9983	648	33	substantial	substantial	ADJ
cblr-9983	648	34	autonomy	autonomy	NOUN
cblr-9983	648	35	from	from	ADP
cblr-9983	648	36	the	the	DET
cblr-9983	648	37	board	board	NOUN
cblr-9983	648	38	staff	staff	NOUN
cblr-9983	648	39	,	,	PUNCT
cblr-9983	648	40	with	with	ADP
cblr-9983	648	41	little	little	ADJ
cblr-9983	648	42	effective	effective	ADJ
cblr-9983	648	43	oversight	oversight	NOUN
cblr-9983	648	44	.	.	PUNCT
cblr-9983	649	1	this	this	DET
cblr-9983	649	2	situation	situation	NOUN
cblr-9983	649	3	had	have	AUX
cblr-9983	649	4	predictably	predictably	ADV
cblr-9983	649	5	led	lead	VERB
cblr-9983	649	6	to	to	ADP
cblr-9983	649	7	substantial	substantial	ADJ
cblr-9983	649	8	variation	variation	NOUN
cblr-9983	649	9	in	in	ADP
cblr-9983	649	10	the	the	DET
cblr-9983	649	11	relative	relative	ADJ
cblr-9983	649	12	rigor	rigor	NOUN
cblr-9983	649	13	and	and	CCONJ
cblr-9983	649	14	consistency	consistency	NOUN
cblr-9983	649	15	of	of	ADP
cblr-9983	649	16	supervision	supervision	NOUN
cblr-9983	649	17	at	at	ADP
cblr-9983	649	18	the	the	DET
cblr-9983	649	19	largest	large	ADJ
cblr-9983	649	20	banks	bank	NOUN
cblr-9983	649	21	.	.	PUNCT
cblr-9983	650	1	the	the	DET
cblr-9983	650	2	absence	absence	NOUN
cblr-9983	650	3	of	of	ADP
cblr-9983	650	4	communication	communication	NOUN
cblr-9983	650	5	among	among	ADP
cblr-9983	650	6	dedicated	dedicated	ADJ
cblr-9983	650	7	teams	team	NOUN
cblr-9983	650	8	and	and	CCONJ
cblr-9983	650	9	the	the	DET
cblr-9983	650	10	failure	failure	NOUN
cblr-9983	650	11	to	to	PART
cblr-9983	650	12	aggregate	aggregate	VERB
cblr-9983	650	13	both	both	CCONJ
cblr-9983	650	14	quantitative	quantitative	ADJ
cblr-9983	650	15	and	and	CCONJ
cblr-9983	650	16	qualitative	qualitative	ADJ
cblr-9983	650	17	information	information	NOUN
cblr-9983	650	18	about	about	ADP
cblr-9983	650	19	risks	risk	NOUN
cblr-9983	650	20	at	at	ADP
cblr-9983	650	21	those	those	DET
cblr-9983	650	22	banks	bank	NOUN
cblr-9983	650	23	meant	mean	VERB
cblr-9983	650	24	that	that	SCONJ
cblr-9983	650	25	the	the	DET
cblr-9983	650	26	federal	federal	PROPN
cblr-9983	650	27	reserve	reserve	PROPN
cblr-9983	650	28	had	have	VERB
cblr-9983	650	29	a	a	DET
cblr-9983	650	30	very	very	ADV
cblr-9983	650	31	incomplete	incomplete	ADJ
cblr-9983	650	32	picture	picture	NOUN
cblr-9983	650	33	of	of	ADP
cblr-9983	650	34	the	the	DET
cblr-9983	650	35	range	range	NOUN
cblr-9983	650	36	of	of	ADP
cblr-9983	650	37	risks	risk	NOUN
cblr-9983	650	38	,	,	PUNCT
cblr-9983	650	39	both	both	PRON
cblr-9983	650	40	correlated	correlate	VERB
cblr-9983	650	41	and	and	CCONJ
cblr-9983	650	42	uncorrelated	uncorrelate	VERB
cblr-9983	650	43	,	,	PUNCT
cblr-9983	650	44	that	that	PRON
cblr-9983	650	45	existed	exist	VERB
cblr-9983	650	46	within	within	ADP
cblr-9983	650	47	these	these	DET
cblr-9983	650	48	most	most	ADV
cblr-9983	650	49	important	important	ADJ
cblr-9983	650	50	actors	actor	NOUN
cblr-9983	650	51	in	in	ADP
cblr-9983	650	52	the	the	DET
cblr-9983	650	53	u.s	u.s	PROPN
cblr-9983	650	54	.	.	PROPN
cblr-9983	650	55	financial	financial	ADJ
cblr-9983	650	56	system	system	NOUN
cblr-9983	650	57	.	.	PUNCT
cblr-9983	651	1	the	the	DET
cblr-9983	651	2	creation	creation	NOUN
cblr-9983	651	3	of	of	ADP
cblr-9983	651	4	the	the	DET
cblr-9983	651	5	liscc	liscc	NOUN
cblr-9983	651	6	removed	remove	VERB
cblr-9983	651	7	a	a	DET
cblr-9983	651	8	considerable	considerable	ADJ
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cblr-9983	651	10	of	of	ADP
cblr-9983	651	11	autonomy	autonomy	NOUN
cblr-9983	651	12	,	,	PUNCT
cblr-9983	651	13	especially	especially	ADV
cblr-9983	651	14	from	from	ADP
cblr-9983	651	15	some	some	PRON
cblr-9983	651	16	of	of	ADP
cblr-9983	651	17	the	the	DET
cblr-9983	651	18	previously	previously	ADV
cblr-9983	651	19	quite	quite	ADV
cblr-9983	651	20	independent	independent	ADJ
cblr-9983	651	21	teams	team	NOUN
cblr-9983	651	22	based	base	VERB
cblr-9983	651	23	in	in	ADP
cblr-9983	651	24	the	the	DET
cblr-9983	651	25	federal	federal	PROPN
cblr-9983	651	26	reserve	reserve	PROPN
cblr-9983	651	27	bank	bank	PROPN
cblr-9983	651	28	of	of	ADP
cblr-9983	651	29	new	new	PROPN
cblr-9983	651	30	york	york	PROPN
cblr-9983	651	31	.	.	PUNCT
cblr-9983	652	1	but	but	CCONJ
cblr-9983	652	2	,	,	PUNCT
cblr-9983	652	3	through	through	ADP
cblr-9983	652	4	the	the	DET
cblr-9983	652	5	liscc	liscc	ADJ
cblr-9983	652	6	process	process	NOUN
cblr-9983	652	7	,	,	PUNCT
cblr-9983	652	8	it	it	PRON
cblr-9983	652	9	also	also	ADV
cblr-9983	652	10	gave	give	VERB
cblr-9983	652	11	those	those	DET
cblr-9983	652	12	teams	team	NOUN
cblr-9983	652	13	and	and	CCONJ
cblr-9983	652	14	their	their	PRON
cblr-9983	652	15	superiors	superior	NOUN
cblr-9983	652	16	at	at	ADP
cblr-9983	652	17	the	the	DET
cblr-9983	652	18	reserve	reserve	NOUN
cblr-9983	652	19	banks	bank	NOUN
cblr-9983	652	20	a	a	DET
cblr-9983	652	21	voice	voice	NOUN
cblr-9983	652	22	in	in	ADP
cblr-9983	652	23	the	the	DET
cblr-9983	652	24	development	development	NOUN
cblr-9983	652	25	of	of	ADP
cblr-9983	652	26	supervisory	supervisory	ADJ
cblr-9983	652	27	policies	policy	NOUN
cblr-9983	652	28	applicable	applicable	ADJ
cblr-9983	652	29	to	to	ADP
cblr-9983	652	30	all	all	DET
cblr-9983	652	31	firms	firm	NOUN
cblr-9983	652	32	in	in	ADP
cblr-9983	652	33	the	the	DET
cblr-9983	652	34	portfolio	portfolio	NOUN
cblr-9983	652	35	.	.	PUNCT
cblr-9983	653	1	a	a	DET
cblr-9983	653	2	second	second	ADJ
cblr-9983	653	3	distinction	distinction	NOUN
cblr-9983	653	4	between	between	ADP
cblr-9983	653	5	the	the	DET
cblr-9983	653	6	liscc	liscc	ADJ
cblr-9983	653	7	and	and	CCONJ
cblr-9983	653	8	other	other	ADJ
cblr-9983	653	9	supervisory	supervisory	ADJ
cblr-9983	653	10	portfolios	portfolio	NOUN
cblr-9983	653	11	is	be	AUX
cblr-9983	653	12	its	its	PRON
cblr-9983	653	13	leadership	leadership	NOUN
cblr-9983	653	14	.	.	PUNCT
cblr-9983	654	1	the	the	DET
cblr-9983	654	2	liscc	liscc	NOUN
cblr-9983	654	3	is	be	AUX
cblr-9983	654	4	composed	compose	VERB
cblr-9983	654	5	of	of	ADP
cblr-9983	654	6	the	the	DET
cblr-9983	654	7	most	most	ADV
cblr-9983	654	8	senior	senior	ADJ
cblr-9983	654	9	supervisory	supervisory	ADJ
cblr-9983	654	10	staff	staff	NOUN
cblr-9983	654	11	at	at	ADP
cblr-9983	654	12	the	the	DET
cblr-9983	654	13	board	board	NOUN
cblr-9983	654	14	and	and	CCONJ
cblr-9983	654	15	the	the	DET
cblr-9983	654	16	relevant	relevant	ADJ
cblr-9983	654	17	reserve	reserve	NOUN
cblr-9983	654	18	banks	bank	NOUN
cblr-9983	654	19	,	,	PUNCT
cblr-9983	654	20	along	along	ADP
cblr-9983	654	21	with	with	ADP
cblr-9983	654	22	senior	senior	ADJ
cblr-9983	654	23	staff	staff	NOUN
cblr-9983	654	24	from	from	ADP
cblr-9983	654	25	other	other	ADJ
cblr-9983	654	26	divisions	division	NOUN
cblr-9983	654	27	of	of	ADP
cblr-9983	654	28	the	the	DET
cblr-9983	654	29	federal	federal	PROPN
cblr-9983	654	30	reserve	reserve	PROPN
cblr-9983	654	31	board.102	board.102	SCONJ
cblr-9983	654	32	this	this	DET
cblr-9983	654	33	101	101	NUM
cblr-9983	654	34	see	see	VERB
cblr-9983	654	35	jon	jon	PROPN
cblr-9983	654	36	hilsenrath	hilsenrath	PROPN
cblr-9983	654	37	,	,	PUNCT
cblr-9983	654	38	washington	washington	PROPN
cblr-9983	654	39	strips	strip	VERB
cblr-9983	654	40	new	new	PROPN
cblr-9983	654	41	york	york	PROPN
cblr-9983	654	42	fed	fed	PROPN
cblr-9983	654	43	’s	’s	PART
cblr-9983	654	44	power	power	NOUN
cblr-9983	654	45	,	,	PUNCT
cblr-9983	654	46	wall	wall	PROPN
cblr-9983	654	47	st	st	PROPN
cblr-9983	654	48	.	.	PROPN
cblr-9983	654	49	j.	j.	PROPN
cblr-9983	654	50	(	(	PUNCT
cblr-9983	654	51	mar	mar	PROPN
cblr-9983	654	52	.	.	PROPN
cblr-9983	654	53	4	4	NUM
cblr-9983	654	54	,	,	PUNCT
cblr-9983	654	55	2015	2015	NUM
cblr-9983	654	56	)	)	PUNCT
cblr-9983	654	57	,	,	PUNCT
cblr-9983	654	58	https://www.wsj.com/articles/washington-strips-newyork-feds-power-1425526210	https://www.wsj.com/articles/washington-strips-newyork-feds-power-1425526210	NOUN
cblr-9983	654	59	(	(	PUNCT
cblr-9983	654	60	on	on	ADP
cblr-9983	654	61	file	file	NOUN
cblr-9983	654	62	with	with	ADP
cblr-9983	654	63	the	the	DET
cblr-9983	654	64	columbia	columbia	PROPN
cblr-9983	654	65	business	business	PROPN
cblr-9983	654	66	law	law	PROPN
cblr-9983	654	67	review	review	PROPN
cblr-9983	654	68	)	)	PUNCT
cblr-9983	654	69	.	.	PUNCT
cblr-9983	655	1	102	102	NUM
cblr-9983	655	2	large	large	ADJ
cblr-9983	655	3	institution	institution	NOUN
cblr-9983	655	4	supervision	supervision	NOUN
cblr-9983	655	5	coordinating	coordinating	NOUN
cblr-9983	655	6	committee	committee	NOUN
cblr-9983	655	7	,	,	PUNCT
cblr-9983	655	8	bd	bd	PROPN
cblr-9983	655	9	.	.	PROPN
cblr-9983	655	10	of	of	ADP
cblr-9983	655	11	governors	governor	NOUN
cblr-9983	655	12	of	of	ADP
cblr-9983	655	13	the	the	DET
cblr-9983	655	14	fed	fed	PROPN
cblr-9983	655	15	.	.	PUNCT
cblr-9983	655	16	rsrv	rsrv	PROPN
cblr-9983	655	17	.	.	PUNCT
cblr-9983	656	1	sys	sys	PROPN
cblr-9983	656	2	.	.	PROPN
cblr-9983	656	3	,	,	PUNCT
cblr-9983	656	4	supra	supra	PROPN
cblr-9983	656	5	note	note	PROPN
cblr-9983	656	6	99	99	NUM
cblr-9983	656	7	.	.	PUNCT
cblr-9983	657	1	no	no	INTJ
cblr-9983	657	2	.	.	PUNCT
cblr-9983	658	1	1:279	1:279	NOUN
cblr-9983	658	2	]	]	X
cblr-9983	658	3	bank	bank	NOUN
cblr-9983	658	4	supervision	supervision	NOUN
cblr-9983	658	5	and	and	CCONJ
cblr-9983	658	6	administrative	administrative	ADJ
cblr-9983	658	7	law	law	NOUN
cblr-9983	658	8	315	315	NUM
cblr-9983	658	9	“	"	PUNCT
cblr-9983	658	10	interdisciplinary	interdisciplinary	ADJ
cblr-9983	658	11	”	"	PUNCT
cblr-9983	658	12	character	character	NOUN
cblr-9983	658	13	of	of	ADP
cblr-9983	658	14	the	the	DET
cblr-9983	658	15	liscc103	liscc103	PROPN
cblr-9983	658	16	is	be	AUX
cblr-9983	658	17	intended	intend	VERB
cblr-9983	658	18	to	to	PART
cblr-9983	658	19	introduce	introduce	VERB
cblr-9983	658	20	into	into	ADP
cblr-9983	658	21	the	the	DET
cblr-9983	658	22	supervisory	supervisory	ADJ
cblr-9983	658	23	process	process	NOUN
cblr-9983	658	24	the	the	DET
cblr-9983	658	25	economic	economic	ADJ
cblr-9983	658	26	,	,	PUNCT
cblr-9983	658	27	financial	financial	ADJ
cblr-9983	658	28	,	,	PUNCT
cblr-9983	658	29	and	and	CCONJ
cblr-9983	658	30	institutional	institutional	ADJ
cblr-9983	658	31	perspectives	perspective	NOUN
cblr-9983	658	32	of	of	ADP
cblr-9983	658	33	other	other	ADJ
cblr-9983	658	34	parts	part	NOUN
cblr-9983	658	35	of	of	ADP
cblr-9983	658	36	the	the	DET
cblr-9983	658	37	federal	federal	PROPN
cblr-9983	658	38	reserve	reserve	PROPN
cblr-9983	658	39	system	system	NOUN
cblr-9983	658	40	,	,	PUNCT
cblr-9983	658	41	so	so	SCONJ
cblr-9983	658	42	as	as	SCONJ
cblr-9983	658	43	to	to	PART
cblr-9983	658	44	inform	inform	VERB
cblr-9983	658	45	the	the	DET
cblr-9983	658	46	formulation	formulation	NOUN
cblr-9983	658	47	of	of	ADP
cblr-9983	658	48	supervisory	supervisory	ADJ
cblr-9983	658	49	policies	policy	NOUN
cblr-9983	658	50	for	for	ADP
cblr-9983	658	51	this	this	DET
cblr-9983	658	52	group	group	NOUN
cblr-9983	658	53	of	of	ADP
cblr-9983	658	54	a	a	DET
cblr-9983	658	55	dozen	dozen	NOUN
cblr-9983	658	56	highly	highly	ADV
cblr-9983	658	57	systemic	systemic	ADJ
cblr-9983	658	58	firms	firm	NOUN
cblr-9983	658	59	.	.	PUNCT
cblr-9983	659	1	third	third	ADJ
cblr-9983	659	2	,	,	PUNCT
cblr-9983	659	3	liscc	liscc	ADJ
cblr-9983	659	4	supervision	supervision	NOUN
cblr-9983	659	5	is	be	AUX
cblr-9983	659	6	informed	inform	VERB
cblr-9983	659	7	by	by	ADP
cblr-9983	659	8	the	the	DET
cblr-9983	659	9	work	work	NOUN
cblr-9983	659	10	of	of	ADP
cblr-9983	659	11	a	a	DET
cblr-9983	659	12	monitoring	monitoring	NOUN
cblr-9983	659	13	and	and	CCONJ
cblr-9983	659	14	analysis	analysis	NOUN
cblr-9983	659	15	program	program	NOUN
cblr-9983	659	16	that	that	PRON
cblr-9983	659	17	draws	draw	VERB
cblr-9983	659	18	on	on	ADP
cblr-9983	659	19	a	a	DET
cblr-9983	659	20	broad	broad	ADJ
cblr-9983	659	21	range	range	NOUN
cblr-9983	659	22	of	of	ADP
cblr-9983	659	23	information	information	NOUN
cblr-9983	659	24	sources	source	NOUN
cblr-9983	659	25	beyond	beyond	ADP
cblr-9983	659	26	the	the	DET
cblr-9983	659	27	supervisory	supervisory	ADJ
cblr-9983	659	28	process	process	NOUN
cblr-9983	659	29	“	"	PUNCT
cblr-9983	659	30	to	to	PART
cblr-9983	659	31	facilitate	facilitate	VERB
cblr-9983	659	32	the	the	DET
cblr-9983	659	33	identification	identification	NOUN
cblr-9983	659	34	and	and	CCONJ
cblr-9983	659	35	exploration	exploration	NOUN
cblr-9983	659	36	of	of	ADP
cblr-9983	659	37	topics	topic	NOUN
cblr-9983	659	38	and	and	CCONJ
cblr-9983	659	39	risks	risk	NOUN
cblr-9983	659	40	related	relate	VERB
cblr-9983	659	41	to	to	ADP
cblr-9983	659	42	liscc	liscc	VERB
cblr-9983	659	43	firms	firm	NOUN
cblr-9983	659	44	that	that	PRON
cblr-9983	659	45	are	be	AUX
cblr-9983	659	46	new	new	ADJ
cblr-9983	659	47	,	,	PUNCT
cblr-9983	659	48	changing	change	VERB
cblr-9983	659	49	,	,	PUNCT
cblr-9983	659	50	misunderstood	misunderstood	NOUN
cblr-9983	659	51	,	,	PUNCT
cblr-9983	659	52	or	or	CCONJ
cblr-9983	659	53	underappreciated	underappreciated	ADJ
cblr-9983	659	54	,	,	PUNCT
cblr-9983	659	55	to	to	PART
cblr-9983	659	56	ensure	ensure	VERB
cblr-9983	659	57	that	that	SCONJ
cblr-9983	659	58	supervision	supervision	NOUN
cblr-9983	659	59	of	of	ADP
cblr-9983	659	60	liscc	liscc	ADJ
cblr-9983	659	61	firms	firm	NOUN
cblr-9983	659	62	adapts	adapt	VERB
cblr-9983	659	63	to	to	ADP
cblr-9983	659	64	changes	change	NOUN
cblr-9983	659	65	in	in	ADP
cblr-9983	659	66	the	the	DET
cblr-9983	659	67	financial	financial	ADJ
cblr-9983	659	68	industry	industry	NOUN
cblr-9983	659	69	and	and	CCONJ
cblr-9983	659	70	broader	broad	ADJ
cblr-9983	659	71	economy	economy	NOUN
cblr-9983	659	72	.	.	PUNCT
cblr-9983	659	73	”104	”104	PUNCT
cblr-9983	660	1	the	the	DET
cblr-9983	660	2	information	information	NOUN
cblr-9983	660	3	produced	produce	VERB
cblr-9983	660	4	by	by	ADP
cblr-9983	660	5	this	this	DET
cblr-9983	660	6	process	process	NOUN
cblr-9983	660	7	is	be	AUX
cblr-9983	660	8	used	use	VERB
cblr-9983	660	9	to	to	PART
cblr-9983	660	10	complement	complement	VERB
cblr-9983	660	11	supervisory	supervisory	ADJ
cblr-9983	660	12	observation	observation	NOUN
cblr-9983	660	13	of	of	ADP
cblr-9983	660	14	bank	bank	NOUN
cblr-9983	660	15	practices	practice	NOUN
cblr-9983	660	16	.	.	PUNCT
cblr-9983	661	1	identifications	identification	NOUN
cblr-9983	661	2	of	of	ADP
cblr-9983	661	3	potential	potential	ADJ
cblr-9983	661	4	correlated	correlate	VERB
cblr-9983	661	5	vulnerabilities	vulnerability	NOUN
cblr-9983	661	6	may	may	AUX
cblr-9983	661	7	lead	lead	VERB
cblr-9983	661	8	to	to	ADP
cblr-9983	661	9	supervisory	supervisory	ADJ
cblr-9983	661	10	examination	examination	NOUN
cblr-9983	661	11	of	of	ADP
cblr-9983	661	12	the	the	DET
cblr-9983	661	13	assets	asset	NOUN
cblr-9983	661	14	or	or	CCONJ
cblr-9983	661	15	activities	activity	NOUN
cblr-9983	661	16	in	in	ADP
cblr-9983	661	17	question	question	NOUN
cblr-9983	661	18	.	.	PUNCT
cblr-9983	662	1	iii	iii	X
cblr-9983	662	2	.	.	PUNCT
cblr-9983	662	3	administrative	administrative	ADJ
cblr-9983	662	4	law	law	PROPN
cblr-9983	662	5	doctrine	doctrine	NOUN
cblr-9983	662	6	and	and	CCONJ
cblr-9983	662	7	supervisory	supervisory	ADJ
cblr-9983	662	8	activities	activity	NOUN
cblr-9983	662	9	this	this	DET
cblr-9983	662	10	part	part	NOUN
cblr-9983	662	11	considers	consider	VERB
cblr-9983	662	12	whether	whether	SCONJ
cblr-9983	662	13	three	three	NUM
cblr-9983	662	14	important	important	ADJ
cblr-9983	662	15	forms	form	NOUN
cblr-9983	662	16	of	of	ADP
cblr-9983	662	17	supervisory	supervisory	ADJ
cblr-9983	662	18	activity	activity	NOUN
cblr-9983	662	19	are	be	AUX
cblr-9983	662	20	inconsistent	inconsistent	ADJ
cblr-9983	662	21	with	with	ADP
cblr-9983	662	22	the	the	DET
cblr-9983	662	23	apa	apa	PROPN
cblr-9983	662	24	and	and	CCONJ
cblr-9983	662	25	other	other	ADJ
cblr-9983	662	26	applicable	applicable	ADJ
cblr-9983	662	27	statutory	statutory	ADJ
cblr-9983	662	28	procedural	procedural	ADJ
cblr-9983	662	29	requirements	requirement	NOUN
cblr-9983	662	30	:	:	PUNCT
cblr-9983	662	31	the	the	DET
cblr-9983	662	32	use	use	NOUN
cblr-9983	662	33	of	of	ADP
cblr-9983	662	34	stress	stress	NOUN
cblr-9983	662	35	testing	testing	NOUN
cblr-9983	662	36	in	in	ADP
cblr-9983	662	37	setting	set	VERB
cblr-9983	662	38	minimum	minimum	ADJ
cblr-9983	662	39	capital	capital	NOUN
cblr-9983	662	40	requirements	requirement	NOUN
cblr-9983	662	41	for	for	ADP
cblr-9983	662	42	large	large	ADJ
cblr-9983	662	43	banks	bank	NOUN
cblr-9983	662	44	;	;	PUNCT
cblr-9983	662	45	the	the	DET
cblr-9983	662	46	assignment	assignment	NOUN
cblr-9983	662	47	of	of	ADP
cblr-9983	662	48	supervisory	supervisory	ADJ
cblr-9983	662	49	ratings	rating	NOUN
cblr-9983	662	50	to	to	ADP
cblr-9983	662	51	banks	bank	NOUN
cblr-9983	662	52	and	and	CCONJ
cblr-9983	662	53	bank	bank	NOUN
cblr-9983	662	54	holding	hold	VERB
cblr-9983	662	55	companies	company	NOUN
cblr-9983	662	56	;	;	PUNCT
cblr-9983	662	57	and	and	CCONJ
cblr-9983	662	58	supervisory	supervisory	ADJ
cblr-9983	662	59	guidance	guidance	NOUN
cblr-9983	662	60	and	and	CCONJ
cblr-9983	662	61	other	other	ADJ
cblr-9983	662	62	forms	form	NOUN
cblr-9983	662	63	of	of	ADP
cblr-9983	662	64	supervisory	supervisory	ADJ
cblr-9983	662	65	communications	communication	NOUN
cblr-9983	662	66	.	.	PUNCT
cblr-9983	663	1	although	although	SCONJ
cblr-9983	663	2	the	the	DET
cblr-9983	663	3	possible	possible	ADJ
cblr-9983	663	4	vulnerability	vulnerability	NOUN
cblr-9983	663	5	of	of	ADP
cblr-9983	663	6	these	these	DET
cblr-9983	663	7	activities	activity	NOUN
cblr-9983	663	8	to	to	ADP
cblr-9983	663	9	administrative	administrative	ADJ
cblr-9983	663	10	law	law	NOUN
cblr-9983	663	11	challenges	challenge	NOUN
cblr-9983	663	12	differs	differ	NOUN
cblr-9983	663	13	,	,	PUNCT
cblr-9983	663	14	three	three	NUM
cblr-9983	663	15	points	point	NOUN
cblr-9983	663	16	emerge	emerge	VERB
cblr-9983	663	17	from	from	ADP
cblr-9983	663	18	the	the	DET
cblr-9983	663	19	analyses	analysis	NOUN
cblr-9983	663	20	taken	take	VERB
cblr-9983	663	21	as	as	ADP
cblr-9983	663	22	a	a	DET
cblr-9983	663	23	whole	whole	NOUN
cblr-9983	663	24	.	.	PUNCT
cblr-9983	664	1	103	103	NUM
cblr-9983	664	2	wall	wall	PROPN
cblr-9983	664	3	street	street	PROPN
cblr-9983	664	4	reform	reform	NOUN
cblr-9983	664	5	:	:	PUNCT
cblr-9983	664	6	oversight	oversight	NOUN
cblr-9983	664	7	of	of	ADP
cblr-9983	664	8	financial	financial	ADJ
cblr-9983	664	9	stability	stability	NOUN
cblr-9983	664	10	and	and	CCONJ
cblr-9983	664	11	consumer	consumer	NOUN
cblr-9983	664	12	and	and	CCONJ
cblr-9983	664	13	investor	investor	NOUN
cblr-9983	664	14	protections	protection	NOUN
cblr-9983	664	15	:	:	PUNCT
cblr-9983	664	16	hearing	hear	VERB
cblr-9983	664	17	before	before	ADP
cblr-9983	664	18	the	the	DET
cblr-9983	664	19	comm	comm	NOUN
cblr-9983	664	20	.	.	PUNCT
cblr-9983	665	1	on	on	ADP
cblr-9983	665	2	banking	banking	NOUN
cblr-9983	665	3	,	,	PUNCT
cblr-9983	665	4	hous	hous	ADJ
cblr-9983	665	5	.	.	PUNCT
cblr-9983	665	6	&	&	CCONJ
cblr-9983	665	7	urb	urb	PROPN
cblr-9983	665	8	.	.	PUNCT
cblr-9983	665	9	affs	affs	PROPN
cblr-9983	665	10	.	.	PUNCT
cblr-9983	666	1	on	on	ADP
cblr-9983	666	2	examining	examine	VERB
cblr-9983	666	3	the	the	DET
cblr-9983	666	4	agencies	agency	NOUN
cblr-9983	666	5	’	’	PART
cblr-9983	666	6	overall	overall	ADJ
cblr-9983	666	7	implementation	implementation	NOUN
cblr-9983	666	8	of	of	ADP
cblr-9983	666	9	the	the	DET
cblr-9983	666	10	doddfrank	doddfrank	PROPN
cblr-9983	666	11	wall	wall	PROPN
cblr-9983	666	12	street	street	PROPN
cblr-9983	666	13	reform	reform	PROPN
cblr-9983	666	14	and	and	CCONJ
cblr-9983	666	15	consumer	consumer	NOUN
cblr-9983	666	16	protection	protection	PROPN
cblr-9983	666	17	act	act	PROPN
cblr-9983	666	18	,	,	PUNCT
cblr-9983	666	19	113th	113th	PROPN
cblr-9983	666	20	cong	cong	NOUN
cblr-9983	666	21	.	.	PUNCT
cblr-9983	667	1	44	44	NUM
cblr-9983	667	2	(	(	PUNCT
cblr-9983	667	3	2013	2013	NUM
cblr-9983	667	4	)	)	PUNCT
cblr-9983	667	5	(	(	PUNCT
cblr-9983	667	6	statement	statement	NOUN
cblr-9983	667	7	of	of	ADP
cblr-9983	667	8	daniel	daniel	PROPN
cblr-9983	667	9	k.	k.	PROPN
cblr-9983	667	10	tarullo	tarullo	PROPN
cblr-9983	667	11	,	,	PUNCT
cblr-9983	667	12	governor	governor	NOUN
cblr-9983	667	13	,	,	PUNCT
cblr-9983	667	14	bd	bd	PROPN
cblr-9983	667	15	.	.	PROPN
cblr-9983	667	16	of	of	ADP
cblr-9983	667	17	governors	governor	NOUN
cblr-9983	667	18	of	of	ADP
cblr-9983	667	19	the	the	DET
cblr-9983	667	20	fed	fed	PROPN
cblr-9983	667	21	.	.	PUNCT
cblr-9983	667	22	rsrv	rsrv	PROPN
cblr-9983	667	23	.	.	PUNCT
cblr-9983	668	1	sysm	sysm	NOUN
cblr-9983	668	2	)	)	PUNCT
cblr-9983	668	3	(	(	PUNCT
cblr-9983	668	4	the	the	DET
cblr-9983	668	5	liscc	liscc	NOUN
cblr-9983	668	6	“	"	PUNCT
cblr-9983	668	7	fosters	foster	VERB
cblr-9983	668	8	interdisciplinary	interdisciplinary	ADJ
cblr-9983	668	9	coordination	coordination	NOUN
cblr-9983	668	10	”	"	PUNCT
cblr-9983	668	11	)	)	PUNCT
cblr-9983	668	12	.	.	PUNCT
cblr-9983	669	1	104	104	NUM
cblr-9983	670	1	i	i	PRON
cblr-9983	670	2	d.	d.	PROPN
cblr-9983	670	3	316	316	NUM
cblr-9983	670	4	columbia	columbia	PROPN
cblr-9983	670	5	business	business	NOUN
cblr-9983	670	6	law	law	PROPN
cblr-9983	670	7	review	review	NOUN
cblr-9983	670	8	[	[	X
cblr-9983	670	9	vol	vol	NOUN
cblr-9983	670	10	.	.	PUNCT
cblr-9983	670	11	2022	2022	NUM
cblr-9983	670	12	first	first	ADV
cblr-9983	670	13	,	,	PUNCT
cblr-9983	670	14	the	the	DET
cblr-9983	670	15	difficulty	difficulty	NOUN
cblr-9983	670	16	in	in	ADP
cblr-9983	670	17	conclusively	conclusively	ADV
cblr-9983	670	18	determining	determine	VERB
cblr-9983	670	19	the	the	DET
cblr-9983	670	20	status	status	NOUN
cblr-9983	670	21	of	of	ADP
cblr-9983	670	22	some	some	PRON
cblr-9983	670	23	of	of	ADP
cblr-9983	670	24	these	these	DET
cblr-9983	670	25	activities	activity	NOUN
cblr-9983	670	26	under	under	ADP
cblr-9983	670	27	current	current	ADJ
cblr-9983	670	28	administrative	administrative	ADJ
cblr-9983	670	29	law	law	NOUN
cblr-9983	670	30	doctrines	doctrine	NOUN
cblr-9983	670	31	arises	arise	VERB
cblr-9983	670	32	in	in	ADP
cblr-9983	670	33	part	part	NOUN
cblr-9983	670	34	because	because	SCONJ
cblr-9983	670	35	those	those	DET
cblr-9983	670	36	doctrines	doctrine	NOUN
cblr-9983	670	37	have	have	AUX
cblr-9983	670	38	been	be	AUX
cblr-9983	670	39	developed	develop	VERB
cblr-9983	670	40	or	or	CCONJ
cblr-9983	670	41	applied	apply	VERB
cblr-9983	670	42	without	without	ADP
cblr-9983	670	43	due	due	ADJ
cblr-9983	670	44	regard	regard	NOUN
cblr-9983	670	45	for	for	ADP
cblr-9983	670	46	the	the	DET
cblr-9983	670	47	distinctive	distinctive	ADJ
cblr-9983	670	48	nature	nature	NOUN
cblr-9983	670	49	of	of	ADP
cblr-9983	670	50	the	the	DET
cblr-9983	670	51	quite	quite	ADV
cblr-9983	670	52	dissimilar	dissimilar	ADJ
cblr-9983	670	53	mandates	mandate	NOUN
cblr-9983	670	54	congress	congress	PROPN
cblr-9983	670	55	has	have	AUX
cblr-9983	670	56	given	give	VERB
cblr-9983	670	57	administrative	administrative	ADJ
cblr-9983	670	58	agencies	agency	NOUN
cblr-9983	670	59	.	.	PUNCT
cblr-9983	671	1	some	some	DET
cblr-9983	671	2	assumptions	assumption	VERB
cblr-9983	671	3	underlying	underlie	VERB
cblr-9983	671	4	the	the	DET
cblr-9983	671	5	doctrines	doctrine	NOUN
cblr-9983	671	6	simply	simply	ADV
cblr-9983	671	7	do	do	AUX
cblr-9983	671	8	not	not	PART
cblr-9983	671	9	fit	fit	VERB
cblr-9983	671	10	the	the	DET
cblr-9983	671	11	realities	reality	NOUN
cblr-9983	671	12	of	of	ADP
cblr-9983	671	13	bank	bank	NOUN
cblr-9983	671	14	supervision	supervision	NOUN
cblr-9983	671	15	.	.	PUNCT
cblr-9983	672	1	second	second	ADJ
cblr-9983	672	2	,	,	PUNCT
cblr-9983	672	3	when	when	SCONJ
cblr-9983	672	4	the	the	DET
cblr-9983	672	5	substantive	substantive	ADJ
cblr-9983	672	6	framework	framework	NOUN
cblr-9983	672	7	established	establish	VERB
cblr-9983	672	8	by	by	ADP
cblr-9983	672	9	congress	congress	PROPN
cblr-9983	672	10	for	for	ADP
cblr-9983	672	11	banking	banking	NOUN
cblr-9983	672	12	regulation	regulation	NOUN
cblr-9983	672	13	is	be	AUX
cblr-9983	672	14	considered	consider	VERB
cblr-9983	672	15	alongside	alongside	ADP
cblr-9983	672	16	administrative	administrative	ADJ
cblr-9983	672	17	law	law	NOUN
cblr-9983	672	18	doctrines	doctrine	NOUN
cblr-9983	672	19	,	,	PUNCT
cblr-9983	672	20	the	the	DET
cblr-9983	672	21	argument	argument	NOUN
cblr-9983	672	22	that	that	SCONJ
cblr-9983	672	23	most	most	ADJ
cblr-9983	672	24	supervisory	supervisory	ADJ
cblr-9983	672	25	activities	activity	NOUN
cblr-9983	672	26	are	be	AUX
cblr-9983	672	27	procedurally	procedurally	ADV
cblr-9983	672	28	consistent	consistent	ADJ
cblr-9983	672	29	with	with	ADP
cblr-9983	672	30	applicable	applicable	ADJ
cblr-9983	672	31	law	law	NOUN
cblr-9983	672	32	becomes	become	VERB
cblr-9983	672	33	very	very	ADV
cblr-9983	672	34	strong	strong	ADJ
cblr-9983	672	35	.	.	PUNCT
cblr-9983	673	1	indeed	indeed	ADV
cblr-9983	673	2	,	,	PUNCT
cblr-9983	673	3	it	it	PRON
cblr-9983	673	4	is	be	AUX
cblr-9983	673	5	notable	notable	ADJ
cblr-9983	673	6	that	that	SCONJ
cblr-9983	673	7	banking	banking	NOUN
cblr-9983	673	8	interests	interest	NOUN
cblr-9983	673	9	arguing	argue	VERB
cblr-9983	673	10	on	on	ADP
cblr-9983	673	11	legal	legal	ADJ
cblr-9983	673	12	grounds	ground	NOUN
cblr-9983	673	13	against	against	ADP
cblr-9983	673	14	various	various	ADJ
cblr-9983	673	15	supervisory	supervisory	ADJ
cblr-9983	673	16	actions	action	NOUN
cblr-9983	673	17	have	have	AUX
cblr-9983	673	18	generally	generally	ADV
cblr-9983	673	19	ignored	ignore	VERB
cblr-9983	673	20	relevant	relevant	ADJ
cblr-9983	673	21	banking	banking	NOUN
cblr-9983	673	22	law	law	NOUN
cblr-9983	673	23	provisions	provision	NOUN
cblr-9983	673	24	.	.	PUNCT
cblr-9983	674	1	third	third	ADJ
cblr-9983	674	2	,	,	PUNCT
cblr-9983	674	3	even	even	ADV
cblr-9983	674	4	if	if	SCONJ
cblr-9983	674	5	the	the	DET
cblr-9983	674	6	analysis	analysis	NOUN
cblr-9983	674	7	is	be	AUX
cblr-9983	674	8	appropriately	appropriately	ADV
cblr-9983	674	9	tailored	tailor	VERB
cblr-9983	674	10	in	in	ADP
cblr-9983	674	11	this	this	DET
cblr-9983	674	12	way	way	NOUN
cblr-9983	674	13	,	,	PUNCT
cblr-9983	674	14	there	there	PRON
cblr-9983	674	15	may	may	AUX
cblr-9983	674	16	still	still	ADV
cblr-9983	674	17	be	be	AUX
cblr-9983	674	18	an	an	DET
cblr-9983	674	19	uneasy	uneasy	ADJ
cblr-9983	674	20	fit	fit	NOUN
cblr-9983	674	21	between	between	ADP
cblr-9983	674	22	some	some	DET
cblr-9983	674	23	generally	generally	ADV
cblr-9983	674	24	applicable	applicable	ADJ
cblr-9983	674	25	doctrine	doctrine	NOUN
cblr-9983	674	26	and	and	CCONJ
cblr-9983	674	27	the	the	DET
cblr-9983	674	28	iterative	iterative	ADJ
cblr-9983	674	29	nature	nature	NOUN
cblr-9983	674	30	of	of	ADP
cblr-9983	674	31	the	the	DET
cblr-9983	674	32	bank	bank	NOUN
cblr-9983	674	33	supervisory	supervisory	ADJ
cblr-9983	674	34	relationship	relationship	NOUN
cblr-9983	674	35	.	.	PUNCT
cblr-9983	675	1	in	in	ADP
cblr-9983	675	2	some	some	DET
cblr-9983	675	3	cases	case	NOUN
cblr-9983	675	4	,	,	PUNCT
cblr-9983	675	5	the	the	DET
cblr-9983	675	6	result	result	NOUN
cblr-9983	675	7	could	could	AUX
cblr-9983	675	8	be	be	AUX
cblr-9983	675	9	unnecessary	unnecessary	ADJ
cblr-9983	675	10	and	and	CCONJ
cblr-9983	675	11	inefficient	inefficient	ADJ
cblr-9983	675	12	constraints	constraint	NOUN
cblr-9983	675	13	on	on	ADP
cblr-9983	675	14	supervisory	supervisory	ADJ
cblr-9983	675	15	activity	activity	NOUN
cblr-9983	675	16	.	.	PUNCT
cblr-9983	676	1	in	in	ADP
cblr-9983	676	2	one	one	NUM
cblr-9983	676	3	case	case	NOUN
cblr-9983	676	4	,	,	PUNCT
cblr-9983	676	5	the	the	DET
cblr-9983	676	6	result	result	NOUN
cblr-9983	676	7	is	be	AUX
cblr-9983	676	8	arguably	arguably	ADV
cblr-9983	676	9	too	too	ADV
cblr-9983	676	10	much	much	ADJ
cblr-9983	676	11	procedural	procedural	ADJ
cblr-9983	676	12	leeway	leeway	NOUN
cblr-9983	676	13	for	for	ADP
cblr-9983	676	14	banking	banking	NOUN
cblr-9983	676	15	agencies	agency	NOUN
cblr-9983	676	16	.	.	PUNCT
cblr-9983	677	1	this	this	DET
cblr-9983	677	2	third	third	ADJ
cblr-9983	677	3	point	point	NOUN
cblr-9983	677	4	leads	lead	VERB
cblr-9983	677	5	to	to	ADP
cblr-9983	677	6	the	the	DET
cblr-9983	677	7	discussion	discussion	NOUN
cblr-9983	677	8	in	in	ADP
cblr-9983	677	9	part	part	NOUN
cblr-9983	677	10	iv	iv	ADP
cblr-9983	677	11	of	of	ADP
cblr-9983	677	12	how	how	SCONJ
cblr-9983	677	13	administrative	administrative	ADJ
cblr-9983	677	14	law	law	NOUN
cblr-9983	677	15	might	might	AUX
cblr-9983	677	16	take	take	VERB
cblr-9983	677	17	a	a	DET
cblr-9983	677	18	different	different	ADJ
cblr-9983	677	19	approach	approach	NOUN
cblr-9983	677	20	that	that	PRON
cblr-9983	677	21	both	both	PRON
cblr-9983	677	22	reflects	reflect	VERB
cblr-9983	677	23	the	the	DET
cblr-9983	677	24	characteristics	characteristic	NOUN
cblr-9983	677	25	of	of	ADP
cblr-9983	677	26	bank	bank	NOUN
cblr-9983	677	27	supervision	supervision	NOUN
cblr-9983	677	28	and	and	CCONJ
cblr-9983	677	29	respects	respect	VERB
cblr-9983	677	30	the	the	DET
cblr-9983	677	31	norms	norm	NOUN
cblr-9983	677	32	and	and	CCONJ
cblr-9983	677	33	requirements	requirement	NOUN
cblr-9983	677	34	in	in	ADP
cblr-9983	677	35	the	the	DET
cblr-9983	677	36	apa	apa	PROPN
cblr-9983	677	37	.	.	PUNCT
cblr-9983	678	1	a.	a.	PROPN
cblr-9983	678	2	procedural	procedural	ADJ
cblr-9983	678	3	requirements	requirement	NOUN
cblr-9983	678	4	for	for	ADP
cblr-9983	678	5	a	a	DET
cblr-9983	678	6	binding	bind	VERB
cblr-9983	678	7	stress	stress	NOUN
cblr-9983	678	8	test	test	NOUN
cblr-9983	678	9	regime	regime	NOUN
cblr-9983	678	10	complaints	complaint	NOUN
cblr-9983	678	11	from	from	ADP
cblr-9983	678	12	bank	bank	NOUN
cblr-9983	678	13	proxies	proxy	NOUN
cblr-9983	678	14	about	about	ADP
cblr-9983	678	15	the	the	DET
cblr-9983	678	16	federal	federal	PROPN
cblr-9983	678	17	reserve	reserve	PROPN
cblr-9983	678	18	’s	’s	PART
cblr-9983	678	19	stress	stress	NOUN
cblr-9983	678	20	testing	testing	NOUN
cblr-9983	678	21	regime	regime	NOUN
cblr-9983	678	22	are	be	AUX
cblr-9983	678	23	in	in	ADP
cblr-9983	678	24	several	several	ADJ
cblr-9983	678	25	respects	respect	NOUN
cblr-9983	678	26	distinct	distinct	ADJ
cblr-9983	678	27	from	from	ADP
cblr-9983	678	28	most	most	ADJ
cblr-9983	678	29	other	other	ADJ
cblr-9983	678	30	concerns	concern	NOUN
cblr-9983	678	31	about	about	ADP
cblr-9983	678	32	supervision	supervision	NOUN
cblr-9983	678	33	.	.	PUNCT
cblr-9983	679	1	first	first	ADV
cblr-9983	679	2	,	,	PUNCT
cblr-9983	679	3	they	they	PRON
cblr-9983	679	4	are	be	AUX
cblr-9983	679	5	the	the	DET
cblr-9983	679	6	most	most	ADV
cblr-9983	679	7	extensively	extensively	ADV
cblr-9983	679	8	developed	develop	VERB
cblr-9983	679	9	.	.	PUNCT
cblr-9983	680	1	a	a	DET
cblr-9983	680	2	kind	kind	NOUN
cblr-9983	680	3	of	of	ADP
cblr-9983	680	4	informal	informal	ADJ
cblr-9983	680	5	brief	brief	NOUN
cblr-9983	680	6	making	make	VERB
cblr-9983	680	7	the	the	DET
cblr-9983	680	8	administrative	administrative	ADJ
cblr-9983	680	9	law	law	NOUN
cblr-9983	680	10	arguments	argument	NOUN
cblr-9983	680	11	has	have	AUX
cblr-9983	680	12	been	be	AUX
cblr-9983	680	13	published	publish	VERB
cblr-9983	680	14	by	by	ADP
cblr-9983	680	15	a	a	DET
cblr-9983	680	16	group	group	NOUN
cblr-9983	680	17	that	that	PRON
cblr-9983	680	18	can	can	AUX
cblr-9983	680	19	fairly	fairly	ADV
cblr-9983	680	20	be	be	AUX
cblr-9983	680	21	characterized	characterize	VERB
cblr-9983	680	22	as	as	ADP
cblr-9983	680	23	sympathetic	sympathetic	ADJ
cblr-9983	680	24	to	to	ADP
cblr-9983	680	25	the	the	DET
cblr-9983	680	26	industry.105	industry.105	NOUN
cblr-9983	680	27	second	second	NOUN
cblr-9983	680	28	,	,	PUNCT
cblr-9983	680	29	because	because	SCONJ
cblr-9983	680	30	of	of	ADP
cblr-9983	680	31	the	the	DET
cblr-9983	680	32	centrality	centrality	NOUN
cblr-9983	680	33	of	of	ADP
cblr-9983	680	34	capital	capital	NOUN
cblr-9983	680	35	105	105	NUM
cblr-9983	680	36	in	in	ADP
cblr-9983	680	37	september	september	PROPN
cblr-9983	680	38	2016	2016	NUM
cblr-9983	680	39	,	,	PUNCT
cblr-9983	680	40	the	the	DET
cblr-9983	680	41	wall	wall	PROPN
cblr-9983	680	42	street	street	PROPN
cblr-9983	680	43	journal	journal	PROPN
cblr-9983	680	44	reported	report	VERB
cblr-9983	680	45	that	that	SCONJ
cblr-9983	680	46	a	a	DET
cblr-9983	680	47	number	number	NOUN
cblr-9983	680	48	of	of	ADP
cblr-9983	680	49	large	large	ADJ
cblr-9983	680	50	banks	bank	NOUN
cblr-9983	680	51	were	be	AUX
cblr-9983	680	52	considering	consider	VERB
cblr-9983	680	53	filing	file	VERB
cblr-9983	680	54	suit	suit	NOUN
cblr-9983	680	55	based	base	VERB
cblr-9983	680	56	on	on	ADP
cblr-9983	680	57	these	these	DET
cblr-9983	680	58	arguments	argument	NOUN
cblr-9983	680	59	.	.	PUNCT
cblr-9983	681	1	emily	emily	PROPN
cblr-9983	681	2	no	no	PROPN
cblr-9983	681	3	.	.	PUNCT
cblr-9983	682	1	1:279	1:279	NOUN
cblr-9983	682	2	]	]	X
cblr-9983	682	3	bank	bank	NOUN
cblr-9983	682	4	supervision	supervision	NOUN
cblr-9983	682	5	and	and	CCONJ
cblr-9983	682	6	administrative	administrative	ADJ
cblr-9983	682	7	law	law	NOUN
cblr-9983	682	8	317	317	NUM
cblr-9983	682	9	regulation	regulation	NOUN
cblr-9983	682	10	and	and	CCONJ
cblr-9983	682	11	stress	stress	NOUN
cblr-9983	682	12	testing	testing	NOUN
cblr-9983	682	13	to	to	ADP
cblr-9983	682	14	post	post	ADJ
cblr-9983	682	15	-	-	ADJ
cblr-9983	682	16	crisis	crisis	ADJ
cblr-9983	682	17	prudential	prudential	ADJ
cblr-9983	682	18	regulation	regulation	NOUN
cblr-9983	682	19	,	,	PUNCT
cblr-9983	682	20	these	these	DET
cblr-9983	682	21	complaints	complaint	NOUN
cblr-9983	682	22	are	be	AUX
cblr-9983	682	23	the	the	DET
cblr-9983	682	24	most	most	ADV
cblr-9983	682	25	direct	direct	ADJ
cblr-9983	682	26	challenge	challenge	NOUN
cblr-9983	682	27	to	to	ADP
cblr-9983	682	28	the	the	DET
cblr-9983	682	29	efficacy	efficacy	NOUN
cblr-9983	682	30	and	and	CCONJ
cblr-9983	682	31	efficiency	efficiency	NOUN
cblr-9983	682	32	of	of	ADP
cblr-9983	682	33	a	a	DET
cblr-9983	682	34	bank	bank	NOUN
cblr-9983	682	35	regulatory	regulatory	ADJ
cblr-9983	682	36	system	system	NOUN
cblr-9983	682	37	that	that	PRON
cblr-9983	682	38	combines	combine	VERB
cblr-9983	682	39	rules	rule	NOUN
cblr-9983	682	40	and	and	CCONJ
cblr-9983	682	41	supervision	supervision	NOUN
cblr-9983	682	42	.	.	PUNCT
cblr-9983	683	1	third	third	ADJ
cblr-9983	683	2	,	,	PUNCT
cblr-9983	683	3	the	the	DET
cblr-9983	683	4	objects	object	NOUN
cblr-9983	683	5	of	of	ADP
cblr-9983	683	6	the	the	DET
cblr-9983	683	7	industry	industry	NOUN
cblr-9983	683	8	’s	’s	PART
cblr-9983	683	9	procedural	procedural	ADJ
cblr-9983	683	10	complaints	complaint	NOUN
cblr-9983	683	11	—	—	PUNCT
cblr-9983	683	12	the	the	DET
cblr-9983	683	13	supervisory	supervisory	ADJ
cblr-9983	683	14	model	model	NOUN
cblr-9983	683	15	used	use	VERB
cblr-9983	683	16	in	in	ADP
cblr-9983	683	17	the	the	DET
cblr-9983	683	18	stress	stress	NOUN
cblr-9983	683	19	tests	test	NOUN
cblr-9983	683	20	to	to	PART
cblr-9983	683	21	calculate	calculate	VERB
cblr-9983	683	22	losses	loss	NOUN
cblr-9983	683	23	and	and	CCONJ
cblr-9983	683	24	the	the	DET
cblr-9983	683	25	hypothesized	hypothesized	ADJ
cblr-9983	683	26	adverse	adverse	ADJ
cblr-9983	683	27	scenarios	scenario	NOUN
cblr-9983	683	28	—	—	PUNCT
cblr-9983	683	29	are	be	AUX
cblr-9983	683	30	undoubtedly	undoubtedly	ADV
cblr-9983	683	31	part	part	NOUN
cblr-9983	683	32	of	of	ADP
cblr-9983	683	33	an	an	DET
cblr-9983	683	34	administrative	administrative	ADJ
cblr-9983	683	35	process	process	NOUN
cblr-9983	683	36	intended	intend	VERB
cblr-9983	683	37	to	to	PART
cblr-9983	683	38	be	be	AUX
cblr-9983	683	39	binding	bind	VERB
cblr-9983	683	40	on	on	ADP
cblr-9983	683	41	the	the	DET
cblr-9983	683	42	banks	bank	NOUN
cblr-9983	683	43	.	.	PUNCT
cblr-9983	684	1	in	in	ADP
cblr-9983	684	2	this	this	DET
cblr-9983	684	3	respect	respect	NOUN
cblr-9983	684	4	they	they	PRON
cblr-9983	684	5	differ	differ	VERB
cblr-9983	684	6	from	from	ADP
cblr-9983	684	7	complaints	complaint	NOUN
cblr-9983	684	8	about	about	ADP
cblr-9983	684	9	supervisory	supervisory	ADJ
cblr-9983	684	10	communications	communication	NOUN
cblr-9983	684	11	that	that	PRON
cblr-9983	684	12	the	the	DET
cblr-9983	684	13	agency	agency	NOUN
cblr-9983	684	14	characterizes	characterize	VERB
cblr-9983	684	15	as	as	SCONJ
cblr-9983	684	16	legally	legally	ADV
cblr-9983	684	17	nonbinding	nonbinde	VERB
cblr-9983	684	18	but	but	CCONJ
cblr-9983	684	19	that	that	SCONJ
cblr-9983	684	20	banks	bank	NOUN
cblr-9983	684	21	believe	believe	VERB
cblr-9983	684	22	are	be	AUX
cblr-9983	684	23	practically	practically	ADV
cblr-9983	684	24	binding	binding	ADJ
cblr-9983	684	25	.	.	PUNCT
cblr-9983	685	1	these	these	DET
cblr-9983	685	2	complaints	complaint	NOUN
cblr-9983	685	3	about	about	ADP
cblr-9983	685	4	stress	stress	NOUN
cblr-9983	685	5	testing	testing	NOUN
cblr-9983	685	6	are	be	AUX
cblr-9983	685	7	evaluated	evaluate	VERB
cblr-9983	685	8	in	in	ADP
cblr-9983	685	9	two	two	NUM
cblr-9983	685	10	steps	step	NOUN
cblr-9983	685	11	.	.	PUNCT
cblr-9983	686	1	first	first	ADV
cblr-9983	686	2	,	,	PUNCT
cblr-9983	686	3	the	the	DET
cblr-9983	686	4	charge	charge	NOUN
cblr-9983	686	5	of	of	ADP
cblr-9983	686	6	inconsistency	inconsistency	NOUN
cblr-9983	686	7	with	with	ADP
cblr-9983	686	8	notice	notice	NOUN
cblr-9983	686	9	-	-	PUNCT
cblr-9983	686	10	andcomment	andcomment	NOUN
cblr-9983	686	11	requirements	requirement	NOUN
cblr-9983	686	12	is	be	AUX
cblr-9983	686	13	considered	consider	VERB
cblr-9983	686	14	and	and	CCONJ
cblr-9983	686	15	rebutted	rebut	VERB
cblr-9983	686	16	solely	solely	ADV
cblr-9983	686	17	with	with	ADP
cblr-9983	686	18	reference	reference	NOUN
cblr-9983	686	19	to	to	ADP
cblr-9983	686	20	the	the	DET
cblr-9983	686	21	doctrines	doctrine	NOUN
cblr-9983	686	22	relied	rely	VERB
cblr-9983	686	23	on	on	ADP
cblr-9983	686	24	by	by	ADP
cblr-9983	686	25	banking	banking	NOUN
cblr-9983	686	26	interests	interest	NOUN
cblr-9983	686	27	.	.	PUNCT
cblr-9983	687	1	this	this	DET
cblr-9983	687	2	step	step	NOUN
cblr-9983	687	3	illustrates	illustrate	VERB
cblr-9983	687	4	how	how	SCONJ
cblr-9983	687	5	administrative	administrative	ADJ
cblr-9983	687	6	law	law	NOUN
cblr-9983	687	7	requirements	requirement	NOUN
cblr-9983	687	8	should	should	AUX
cblr-9983	687	9	be	be	AUX
cblr-9983	687	10	interpreted	interpret	VERB
cblr-9983	687	11	and	and	CCONJ
cblr-9983	687	12	applied	apply	VERB
cblr-9983	687	13	with	with	ADP
cblr-9983	687	14	considerable	considerable	ADJ
cblr-9983	687	15	attention	attention	NOUN
cblr-9983	687	16	to	to	ADP
cblr-9983	687	17	the	the	DET
cblr-9983	687	18	substance	substance	NOUN
cblr-9983	687	19	of	of	ADP
cblr-9983	687	20	the	the	DET
cblr-9983	687	21	regulatory	regulatory	ADJ
cblr-9983	687	22	mandate	mandate	NOUN
cblr-9983	687	23	being	be	AUX
cblr-9983	687	24	carried	carry	VERB
cblr-9983	687	25	out	out	ADP
cblr-9983	687	26	by	by	ADP
cblr-9983	687	27	the	the	DET
cblr-9983	687	28	agency	agency	NOUN
cblr-9983	687	29	.	.	PUNCT
cblr-9983	688	1	the	the	DET
cblr-9983	688	2	second	second	ADJ
cblr-9983	688	3	step	step	NOUN
cblr-9983	688	4	introduces	introduce	VERB
cblr-9983	688	5	two	two	NUM
cblr-9983	688	6	statutory	statutory	ADJ
cblr-9983	688	7	provisions	provision	NOUN
cblr-9983	688	8	on	on	ADP
cblr-9983	688	9	capital	capital	NOUN
cblr-9983	688	10	regulation	regulation	NOUN
cblr-9983	688	11	ignored	ignore	VERB
cblr-9983	688	12	in	in	ADP
cblr-9983	688	13	the	the	DET
cblr-9983	688	14	complaints	complaint	NOUN
cblr-9983	688	15	about	about	ADP
cblr-9983	688	16	stress	stress	PROPN
cblr-9983	688	17	glazer	glazer	PROPN
cblr-9983	688	18	&	&	CCONJ
cblr-9983	688	19	ryan	ryan	PROPN
cblr-9983	688	20	tracy	tracy	PROPN
cblr-9983	688	21	,	,	PUNCT
cblr-9983	688	22	bank	bank	NOUN
cblr-9983	688	23	groups	group	NOUN
cblr-9983	688	24	weigh	weigh	VERB
cblr-9983	688	25	legal	legal	ADJ
cblr-9983	688	26	challenge	challenge	NOUN
cblr-9983	688	27	to	to	PART
cblr-9983	688	28	fed	fed	VERB
cblr-9983	688	29	stress	stress	NOUN
cblr-9983	688	30	tests	test	NOUN
cblr-9983	688	31	,	,	PUNCT
cblr-9983	689	1	wall	wall	PROPN
cblr-9983	689	2	st	st	PROPN
cblr-9983	689	3	.	.	PROPN
cblr-9983	689	4	j.	j.	PROPN
cblr-9983	689	5	(	(	PUNCT
cblr-9983	689	6	sept	sept	PROPN
cblr-9983	689	7	.	.	PROPN
cblr-9983	689	8	1	1	NUM
cblr-9983	689	9	,	,	PUNCT
cblr-9983	689	10	2016	2016	NUM
cblr-9983	689	11	)	)	PUNCT
cblr-9983	689	12	,	,	PUNCT
cblr-9983	689	13	https://www.wsj.com/articles/bankgroups-weigh-legal-challenge-to-fed-stress-tests-1472751110	https://www.wsj.com/articles/bankgroups-weigh-legal-challenge-to-fed-stress-tests-1472751110	X
cblr-9983	689	14	(	(	PUNCT
cblr-9983	689	15	on	on	ADP
cblr-9983	689	16	file	file	NOUN
cblr-9983	689	17	with	with	ADP
cblr-9983	689	18	the	the	DET
cblr-9983	689	19	columbia	columbia	PROPN
cblr-9983	689	20	business	business	PROPN
cblr-9983	689	21	law	law	PROPN
cblr-9983	689	22	review	review	PROPN
cblr-9983	689	23	)	)	PUNCT
cblr-9983	689	24	.	.	PUNCT
cblr-9983	690	1	later	later	ADV
cblr-9983	690	2	that	that	DET
cblr-9983	690	3	month	month	NOUN
cblr-9983	690	4	,	,	PUNCT
cblr-9983	690	5	a	a	DET
cblr-9983	690	6	paper	paper	NOUN
cblr-9983	690	7	making	make	VERB
cblr-9983	690	8	the	the	DET
cblr-9983	690	9	administrative	administrative	ADJ
cblr-9983	690	10	law	law	NOUN
cblr-9983	690	11	case	case	NOUN
cblr-9983	690	12	against	against	ADP
cblr-9983	690	13	elements	element	NOUN
cblr-9983	690	14	of	of	ADP
cblr-9983	690	15	the	the	DET
cblr-9983	690	16	stress	stress	NOUN
cblr-9983	690	17	testing	testing	NOUN
cblr-9983	690	18	program	program	NOUN
cblr-9983	690	19	was	be	AUX
cblr-9983	690	20	released	release	VERB
cblr-9983	690	21	by	by	ADP
cblr-9983	690	22	the	the	DET
cblr-9983	690	23	committee	committee	NOUN
cblr-9983	690	24	on	on	ADP
cblr-9983	690	25	capital	capital	NOUN
cblr-9983	690	26	markets	market	NOUN
cblr-9983	690	27	regulation	regulation	NOUN
cblr-9983	690	28	,	,	PUNCT
cblr-9983	690	29	a	a	DET
cblr-9983	690	30	group	group	NOUN
cblr-9983	690	31	consisting	consist	VERB
cblr-9983	690	32	mostly	mostly	ADV
cblr-9983	690	33	(	(	PUNCT
cblr-9983	690	34	though	though	SCONJ
cblr-9983	690	35	not	not	PART
cblr-9983	690	36	entirely	entirely	ADV
cblr-9983	690	37	)	)	PUNCT
cblr-9983	690	38	of	of	ADP
cblr-9983	690	39	individuals	individual	NOUN
cblr-9983	690	40	with	with	ADP
cblr-9983	690	41	strong	strong	ADJ
cblr-9983	690	42	ties	tie	NOUN
cblr-9983	690	43	to	to	ADP
cblr-9983	690	44	the	the	DET
cblr-9983	690	45	banking	banking	NOUN
cblr-9983	690	46	industry	industry	NOUN
cblr-9983	690	47	,	,	PUNCT
cblr-9983	690	48	including	include	VERB
cblr-9983	690	49	current	current	ADJ
cblr-9983	690	50	bank	bank	NOUN
cblr-9983	690	51	employees	employee	NOUN
cblr-9983	690	52	,	,	PUNCT
cblr-9983	690	53	trade	trade	NOUN
cblr-9983	690	54	association	association	NOUN
cblr-9983	690	55	employees	employee	NOUN
cblr-9983	690	56	,	,	PUNCT
cblr-9983	690	57	industry	industry	NOUN
cblr-9983	690	58	consultants	consultant	NOUN
cblr-9983	690	59	,	,	PUNCT
cblr-9983	690	60	and	and	CCONJ
cblr-9983	690	61	former	former	ADJ
cblr-9983	690	62	bankers	banker	NOUN
cblr-9983	690	63	.	.	PUNCT
cblr-9983	691	1	ccmr	ccmr	NOUN
cblr-9983	691	2	paper	paper	PROPN
cblr-9983	691	3	,	,	PUNCT
cblr-9983	691	4	supra	supra	PROPN
cblr-9983	691	5	note	note	NOUN
cblr-9983	691	6	8	8	NUM
cblr-9983	691	7	.	.	PUNCT
cblr-9983	692	1	a	a	DET
cblr-9983	692	2	description	description	NOUN
cblr-9983	692	3	of	of	ADP
cblr-9983	692	4	the	the	DET
cblr-9983	692	5	committee	committee	NOUN
cblr-9983	692	6	and	and	CCONJ
cblr-9983	692	7	a	a	DET
cblr-9983	692	8	list	list	NOUN
cblr-9983	692	9	of	of	ADP
cblr-9983	692	10	its	its	PRON
cblr-9983	692	11	current	current	ADJ
cblr-9983	692	12	members	member	NOUN
cblr-9983	692	13	are	be	AUX
cblr-9983	692	14	posted	post	VERB
cblr-9983	692	15	on	on	ADP
cblr-9983	692	16	its	its	PRON
cblr-9983	692	17	website	website	NOUN
cblr-9983	692	18	,	,	PUNCT
cblr-9983	692	19	members	member	NOUN
cblr-9983	692	20	,	,	PUNCT
cblr-9983	692	21	cmt	cmt	PROPN
cblr-9983	692	22	.	.	PUNCT
cblr-9983	693	1	on	on	ADP
cblr-9983	693	2	cap	cap	NOUN
cblr-9983	693	3	.	.	PUNCT
cblr-9983	694	1	mkts	mkts	NOUN
cblr-9983	694	2	.	.	PUNCT
cblr-9983	695	1	regulation	regulation	NOUN
cblr-9983	695	2	,	,	PUNCT
cblr-9983	695	3	https://www.capmktsreg.org/members/	https://www.capmktsreg.org/members/	ADP
cblr-9983	695	4	[	[	X
cblr-9983	695	5	https://perma.cc/fvl9-fq2b	https://perma.cc/fvl9-fq2b	X
cblr-9983	695	6	]	]	X
cblr-9983	695	7	(	(	PUNCT
cblr-9983	695	8	last	last	ADV
cblr-9983	695	9	visited	visit	VERB
cblr-9983	695	10	mar	mar	PROPN
cblr-9983	695	11	.	.	PROPN
cblr-9983	695	12	7	7	NUM
cblr-9983	695	13	,	,	PUNCT
cblr-9983	695	14	2022	2022	NUM
cblr-9983	695	15	)	)	PUNCT
cblr-9983	695	16	.	.	PUNCT
cblr-9983	696	1	no	no	DET
cblr-9983	696	2	case	case	NOUN
cblr-9983	696	3	was	be	AUX
cblr-9983	696	4	ever	ever	ADV
cblr-9983	696	5	filed	file	VERB
cblr-9983	696	6	.	.	PUNCT
cblr-9983	697	1	the	the	DET
cblr-9983	697	2	industry	industry	NOUN
cblr-9983	697	3	may	may	AUX
cblr-9983	697	4	have	have	AUX
cblr-9983	697	5	concluded	conclude	VERB
cblr-9983	697	6	,	,	PUNCT
cblr-9983	697	7	rightly	rightly	ADV
cblr-9983	697	8	as	as	SCONJ
cblr-9983	697	9	it	it	PRON
cblr-9983	697	10	turns	turn	VERB
cblr-9983	697	11	out	out	ADP
cblr-9983	697	12	,	,	PUNCT
cblr-9983	697	13	that	that	PRON
cblr-9983	697	14	president	president	PROPN
cblr-9983	697	15	trump	trump	VERB
cblr-9983	697	16	’s	’s	PART
cblr-9983	697	17	appointees	appointee	NOUN
cblr-9983	697	18	to	to	ADP
cblr-9983	697	19	the	the	DET
cblr-9983	697	20	federal	federal	PROPN
cblr-9983	697	21	reserve	reserve	PROPN
cblr-9983	697	22	would	would	AUX
cblr-9983	697	23	take	take	VERB
cblr-9983	697	24	substantial	substantial	ADJ
cblr-9983	697	25	steps	step	NOUN
cblr-9983	697	26	to	to	PART
cblr-9983	697	27	accommodate	accommodate	VERB
cblr-9983	697	28	the	the	DET
cblr-9983	697	29	banks	bank	NOUN
cblr-9983	697	30	’	’	PART
cblr-9983	697	31	requests	request	NOUN
cblr-9983	697	32	.	.	PUNCT
cblr-9983	698	1	see	see	VERB
cblr-9983	698	2	press	press	NOUN
cblr-9983	698	3	release	release	NOUN
cblr-9983	698	4	,	,	PUNCT
cblr-9983	698	5	bd	bd	PROPN
cblr-9983	698	6	.	.	PROPN
cblr-9983	698	7	of	of	ADP
cblr-9983	698	8	governors	governor	NOUN
cblr-9983	698	9	of	of	ADP
cblr-9983	698	10	the	the	DET
cblr-9983	698	11	fed	fed	PROPN
cblr-9983	698	12	.	.	PUNCT
cblr-9983	699	1	rsrv	rsrv	PROPN
cblr-9983	699	2	.	.	PUNCT
cblr-9983	700	1	sys	sys	PROPN
cblr-9983	700	2	.	.	PROPN
cblr-9983	700	3	,	,	PUNCT
cblr-9983	700	4	federal	federal	PROPN
cblr-9983	700	5	reserve	reserve	PROPN
cblr-9983	700	6	board	board	PROPN
cblr-9983	700	7	finalizes	finalizes	PROPN
cblr-9983	700	8	set	set	PROPN
cblr-9983	700	9	of	of	ADP
cblr-9983	700	10	changes	change	NOUN
cblr-9983	700	11	that	that	PRON
cblr-9983	700	12	will	will	AUX
cblr-9983	700	13	increase	increase	VERB
cblr-9983	700	14	the	the	DET
cblr-9983	700	15	transparency	transparency	NOUN
cblr-9983	700	16	of	of	ADP
cblr-9983	700	17	its	its	PRON
cblr-9983	700	18	stress	stress	NOUN
cblr-9983	700	19	testing	testing	NOUN
cblr-9983	700	20	program	program	NOUN
cblr-9983	700	21	for	for	ADP
cblr-9983	700	22	nation	nation	NOUN
cblr-9983	700	23	’s	’s	PART
cblr-9983	700	24	largest	large	ADJ
cblr-9983	700	25	and	and	CCONJ
cblr-9983	700	26	most	most	ADV
cblr-9983	700	27	complex	complex	ADJ
cblr-9983	700	28	banks	bank	NOUN
cblr-9983	700	29	(	(	PUNCT
cblr-9983	700	30	feb	feb	PROPN
cblr-9983	700	31	.	.	PROPN
cblr-9983	700	32	5	5	NUM
cblr-9983	700	33	,	,	PUNCT
cblr-9983	700	34	2019	2019	NUM
cblr-9983	700	35	)	)	PUNCT
cblr-9983	700	36	,	,	PUNCT
cblr-9983	700	37	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20190205a	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20190205a	PROPN
cblr-9983	700	38	.	.	PUNCT
cblr-9983	701	1	htm	htm	PROPN
cblr-9983	702	1	[	[	X
cblr-9983	702	2	https://perma.cc/9wrc-vl29	https://perma.cc/9wrc-vl29	X
cblr-9983	702	3	]	]	PUNCT
cblr-9983	702	4	.	.	PUNCT
cblr-9983	703	1	318	318	NUM
cblr-9983	703	2	columbia	columbia	PROPN
cblr-9983	703	3	business	business	NOUN
cblr-9983	703	4	law	law	PROPN
cblr-9983	703	5	review	review	NOUN
cblr-9983	703	6	[	[	X
cblr-9983	703	7	vol	vol	NOUN
cblr-9983	703	8	.	.	PUNCT
cblr-9983	703	9	2022	2022	NUM
cblr-9983	703	10	testing	testing	NOUN
cblr-9983	703	11	.	.	PUNCT
cblr-9983	704	1	there	there	PRON
cblr-9983	704	2	is	be	VERB
cblr-9983	704	3	a	a	DET
cblr-9983	704	4	strong	strong	ADJ
cblr-9983	704	5	case	case	NOUN
cblr-9983	704	6	to	to	PART
cblr-9983	704	7	be	be	AUX
cblr-9983	704	8	made	make	VERB
cblr-9983	704	9	that	that	SCONJ
cblr-9983	704	10	these	these	DET
cblr-9983	704	11	statutes	statute	NOUN
cblr-9983	704	12	entirely	entirely	ADV
cblr-9983	704	13	preclude	preclude	VERB
cblr-9983	704	14	the	the	DET
cblr-9983	704	15	administrative	administrative	ADJ
cblr-9983	704	16	law	law	NOUN
cblr-9983	704	17	arguments	argument	NOUN
cblr-9983	704	18	against	against	ADP
cblr-9983	704	19	stress	stress	NOUN
cblr-9983	704	20	testing	testing	NOUN
cblr-9983	704	21	practices	practice	NOUN
cblr-9983	704	22	.	.	PUNCT
cblr-9983	705	1	at	at	ADP
cblr-9983	705	2	the	the	DET
cblr-9983	705	3	very	very	ADV
cblr-9983	705	4	least	least	ADJ
cblr-9983	705	5	,	,	PUNCT
cblr-9983	705	6	they	they	PRON
cblr-9983	705	7	reinforce	reinforce	VERB
cblr-9983	705	8	the	the	DET
cblr-9983	705	9	claims	claim	NOUN
cblr-9983	705	10	made	make	VERB
cblr-9983	705	11	in	in	ADP
cblr-9983	705	12	the	the	DET
cblr-9983	705	13	first	first	ADJ
cblr-9983	705	14	step	step	NOUN
cblr-9983	705	15	of	of	ADP
cblr-9983	705	16	the	the	DET
cblr-9983	705	17	analysis	analysis	NOUN
cblr-9983	705	18	for	for	ADP
cblr-9983	705	19	applying	apply	VERB
cblr-9983	705	20	administrative	administrative	ADJ
cblr-9983	705	21	law	law	NOUN
cblr-9983	705	22	doctrines	doctrine	NOUN
cblr-9983	705	23	consistently	consistently	ADV
cblr-9983	705	24	with	with	ADP
cblr-9983	705	25	the	the	DET
cblr-9983	705	26	substantive	substantive	ADJ
cblr-9983	705	27	statutory	statutory	ADJ
cblr-9983	705	28	scheme	scheme	NOUN
cblr-9983	705	29	created	create	VERB
cblr-9983	705	30	by	by	ADP
cblr-9983	705	31	congress	congress	PROPN
cblr-9983	705	32	.	.	PUNCT
cblr-9983	706	1	1	1	X
cblr-9983	706	2	.	.	X
cblr-9983	706	3	background	background	NOUN
cblr-9983	706	4	on	on	ADP
cblr-9983	706	5	capital	capital	NOUN
cblr-9983	706	6	regulation	regulation	NOUN
cblr-9983	706	7	and	and	CCONJ
cblr-9983	706	8	stress	stress	NOUN
cblr-9983	706	9	testing	testing	NOUN
cblr-9983	706	10	to	to	PART
cblr-9983	706	11	place	place	VERB
cblr-9983	706	12	the	the	DET
cblr-9983	706	13	legal	legal	ADJ
cblr-9983	706	14	issues	issue	NOUN
cblr-9983	706	15	in	in	ADP
cblr-9983	706	16	substantive	substantive	ADJ
cblr-9983	706	17	regulatory	regulatory	ADJ
cblr-9983	706	18	context	context	NOUN
cblr-9983	706	19	,	,	PUNCT
cblr-9983	706	20	a	a	DET
cblr-9983	706	21	bit	bit	NOUN
cblr-9983	706	22	of	of	ADP
cblr-9983	706	23	background	background	NOUN
cblr-9983	706	24	on	on	ADP
cblr-9983	706	25	capital	capital	NOUN
cblr-9983	706	26	regulation	regulation	NOUN
cblr-9983	706	27	and	and	CCONJ
cblr-9983	706	28	stress	stress	NOUN
cblr-9983	706	29	testing	testing	NOUN
cblr-9983	706	30	is	be	AUX
cblr-9983	706	31	needed	need	VERB
cblr-9983	706	32	.	.	PUNCT
cblr-9983	707	1	capital	capital	NOUN
cblr-9983	707	2	requirements	requirement	NOUN
cblr-9983	707	3	remain	remain	VERB
cblr-9983	707	4	central	central	ADJ
cblr-9983	707	5	in	in	ADP
cblr-9983	707	6	the	the	DET
cblr-9983	707	7	postcrisis	postcrisis	NOUN
cblr-9983	707	8	prudential	prudential	PROPN
cblr-9983	707	9	regulatory	regulatory	ADJ
cblr-9983	707	10	regime	regime	NOUN
cblr-9983	707	11	.	.	PUNCT
cblr-9983	708	1	banks	bank	NOUN
cblr-9983	708	2	with	with	ADP
cblr-9983	708	3	less	less	ADJ
cblr-9983	708	4	than	than	ADP
cblr-9983	708	5	$	$	SYM
cblr-9983	708	6	100	100	NUM
cblr-9983	708	7	billion	billion	NUM
cblr-9983	708	8	in	in	ADP
cblr-9983	708	9	assets	asset	NOUN
cblr-9983	708	10	are	be	AUX
cblr-9983	708	11	subject	subject	ADJ
cblr-9983	708	12	only	only	ADV
cblr-9983	708	13	to	to	ADP
cblr-9983	708	14	the	the	DET
cblr-9983	708	15	simpler	simple	ADJ
cblr-9983	708	16	point	point	NOUN
cblr-9983	708	17	-	-	PUNCT
cblr-9983	708	18	intime	intime	NOUN
cblr-9983	708	19	capital	capital	NOUN
cblr-9983	708	20	requirements.106	requirements.106	PROPN
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cblr-9983	708	22	capital	capital	NOUN
cblr-9983	708	23	requirements	requirement	NOUN
cblr-9983	708	24	for	for	ADP
cblr-9983	708	25	banks	bank	NOUN
cblr-9983	708	26	with	with	ADP
cblr-9983	708	27	assets	asset	NOUN
cblr-9983	708	28	of	of	ADP
cblr-9983	708	29	between	between	ADP
cblr-9983	708	30	$	$	SYM
cblr-9983	708	31	100	100	NUM
cblr-9983	708	32	billion	billion	NUM
cblr-9983	708	33	and	and	CCONJ
cblr-9983	708	34	$	$	SYM
cblr-9983	708	35	250	250	NUM
cblr-9983	708	36	billion	billion	NUM
cblr-9983	708	37	are	be	AUX
cblr-9983	708	38	set	set	VERB
cblr-9983	708	39	every	every	DET
cblr-9983	708	40	other	other	ADJ
cblr-9983	708	41	year	year	NOUN
cblr-9983	708	42	based	base	VERB
cblr-9983	708	43	on	on	ADP
cblr-9983	708	44	the	the	DET
cblr-9983	708	45	results	result	NOUN
cblr-9983	708	46	of	of	ADP
cblr-9983	708	47	a	a	DET
cblr-9983	708	48	stress	stress	NOUN
cblr-9983	708	49	test.107	test.107	PRON
cblr-9983	708	50	banks	bank	NOUN
cblr-9983	708	51	with	with	ADP
cblr-9983	708	52	assets	asset	NOUN
cblr-9983	708	53	of	of	ADP
cblr-9983	708	54	over	over	ADP
cblr-9983	708	55	$	$	SYM
cblr-9983	708	56	250	250	NUM
cblr-9983	708	57	billion	billion	NUM
cblr-9983	708	58	have	have	VERB
cblr-9983	708	59	their	their	PRON
cblr-9983	708	60	capital	capital	NOUN
cblr-9983	708	61	requirements	requirement	NOUN
cblr-9983	708	62	set	set	VERB
cblr-9983	708	63	based	base	VERB
cblr-9983	708	64	on	on	ADP
cblr-9983	708	65	the	the	DET
cblr-9983	708	66	results	result	NOUN
cblr-9983	708	67	of	of	ADP
cblr-9983	708	68	an	an	DET
cblr-9983	708	69	annual	annual	ADJ
cblr-9983	708	70	stress	stress	NOUN
cblr-9983	708	71	test.108	test.108	NOUN
cblr-9983	708	72	in	in	ADP
cblr-9983	708	73	2020	2020	NUM
cblr-9983	708	74	and	and	CCONJ
cblr-9983	708	75	2021	2021	NUM
cblr-9983	708	76	stress	stress	NOUN
cblr-9983	708	77	testing	testing	NOUN
cblr-9983	708	78	was	be	AUX
cblr-9983	708	79	used	use	VERB
cblr-9983	708	80	as	as	ADP
cblr-9983	708	81	the	the	DET
cblr-9983	708	82	basis	basis	NOUN
cblr-9983	708	83	106	106	NUM
cblr-9983	708	84	as	as	SCONJ
cblr-9983	708	85	originally	originally	ADV
cblr-9983	708	86	passed	pass	VERB
cblr-9983	708	87	,	,	PUNCT
cblr-9983	708	88	the	the	DET
cblr-9983	708	89	dodd	dodd	PROPN
cblr-9983	708	90	-	-	PUNCT
cblr-9983	708	91	frank	frank	PROPN
cblr-9983	708	92	wall	wall	PROPN
cblr-9983	708	93	street	street	PROPN
cblr-9983	708	94	reform	reform	PROPN
cblr-9983	708	95	and	and	CCONJ
cblr-9983	708	96	consumer	consumer	NOUN
cblr-9983	708	97	protection	protection	NOUN
cblr-9983	708	98	act	act	NOUN
cblr-9983	708	99	(	(	PUNCT
cblr-9983	708	100	dodd	dodd	PROPN
cblr-9983	708	101	-	-	PUNCT
cblr-9983	708	102	frank	frank	PROPN
cblr-9983	708	103	act	act	PROPN
cblr-9983	708	104	)	)	PUNCT
cblr-9983	708	105	required	require	VERB
cblr-9983	708	106	stress	stress	NOUN
cblr-9983	708	107	testing	testing	NOUN
cblr-9983	708	108	for	for	ADP
cblr-9983	708	109	all	all	DET
cblr-9983	708	110	banks	bank	NOUN
cblr-9983	708	111	with	with	ADP
cblr-9983	708	112	$	$	SYM
cblr-9983	708	113	50	50	NUM
cblr-9983	708	114	billion	billion	NUM
cblr-9983	708	115	or	or	CCONJ
cblr-9983	708	116	more	more	ADJ
cblr-9983	708	117	in	in	ADP
cblr-9983	708	118	assets	asset	NOUN
cblr-9983	708	119	.	.	PUNCT
cblr-9983	709	1	pub	pub	NOUN
cblr-9983	709	2	.	.	PUNCT
cblr-9983	710	1	l.	l.	PROPN
cblr-9983	710	2	111	111	NUM
cblr-9983	710	3	-	-	SYM
cblr-9983	710	4	203	203	NUM
cblr-9983	710	5	,	,	PUNCT
cblr-9983	710	6	§	§	PROPN
cblr-9983	710	7	165(a)(2)(b	165(a)(2)(b	PROPN
cblr-9983	710	8	)	)	PUNCT
cblr-9983	710	9	,	,	PUNCT
cblr-9983	710	10	124	124	NUM
cblr-9983	710	11	stat	stat	NOUN
cblr-9983	710	12	.	.	PUNCT
cblr-9983	710	13	1376	1376	NUM
cblr-9983	710	14	,	,	PUNCT
cblr-9983	710	15	1424	1424	NUM
cblr-9983	710	16	(	(	PUNCT
cblr-9983	710	17	2010	2010	NUM
cblr-9983	710	18	)	)	PUNCT
cblr-9983	710	19	.	.	PUNCT
cblr-9983	711	1	in	in	ADP
cblr-9983	711	2	2018	2018	NUM
cblr-9983	711	3	,	,	PUNCT
cblr-9983	711	4	the	the	DET
cblr-9983	711	5	economic	economic	ADJ
cblr-9983	711	6	growth	growth	NOUN
cblr-9983	711	7	,	,	PUNCT
cblr-9983	711	8	regulatory	regulatory	ADJ
cblr-9983	711	9	relief	relief	NOUN
cblr-9983	711	10	,	,	PUNCT
cblr-9983	711	11	and	and	CCONJ
cblr-9983	711	12	consumer	consumer	NOUN
cblr-9983	711	13	protection	protection	PROPN
cblr-9983	711	14	act	act	NOUN
cblr-9983	711	15	raised	raise	VERB
cblr-9983	711	16	the	the	DET
cblr-9983	711	17	asset	asset	NOUN
cblr-9983	711	18	threshold	threshold	NOUN
cblr-9983	711	19	for	for	ADP
cblr-9983	711	20	stress	stress	NOUN
cblr-9983	711	21	testing	testing	NOUN
cblr-9983	711	22	to	to	ADP
cblr-9983	711	23	$	$	SYM
cblr-9983	711	24	100	100	NUM
cblr-9983	711	25	billion	billion	NUM
cblr-9983	711	26	and	and	CCONJ
cblr-9983	711	27	required	require	VERB
cblr-9983	711	28	that	that	SCONJ
cblr-9983	711	29	banks	bank	NOUN
cblr-9983	711	30	with	with	ADP
cblr-9983	711	31	between	between	ADP
cblr-9983	711	32	$	$	SYM
cblr-9983	711	33	100	100	NUM
cblr-9983	711	34	and	and	CCONJ
cblr-9983	711	35	$	$	SYM
cblr-9983	711	36	250	250	NUM
cblr-9983	711	37	billion	billion	NUM
cblr-9983	711	38	in	in	ADP
cblr-9983	711	39	assets	asset	NOUN
cblr-9983	711	40	be	be	VERB
cblr-9983	711	41	stress	stress	NOUN
cblr-9983	711	42	tested	test	VERB
cblr-9983	711	43	only	only	ADV
cblr-9983	711	44	“	"	PUNCT
cblr-9983	711	45	on	on	ADP
cblr-9983	711	46	a	a	DET
cblr-9983	711	47	periodic	periodic	ADJ
cblr-9983	711	48	basis	basis	NOUN
cblr-9983	711	49	.	.	PUNCT
cblr-9983	711	50	”	"	PUNCT
cblr-9983	712	1	economic	economic	ADJ
cblr-9983	712	2	growth	growth	NOUN
cblr-9983	712	3	,	,	PUNCT
cblr-9983	712	4	regulatory	regulatory	ADJ
cblr-9983	712	5	relief	relief	NOUN
cblr-9983	712	6	,	,	PUNCT
cblr-9983	712	7	and	and	CCONJ
cblr-9983	712	8	consumer	consumer	NOUN
cblr-9983	712	9	protection	protection	PROPN
cblr-9983	712	10	act	act	PROPN
cblr-9983	712	11	,	,	PUNCT
cblr-9983	712	12	pub	pub	NOUN
cblr-9983	712	13	.	.	PUNCT
cblr-9983	713	1	l.	l.	PROPN
cblr-9983	713	2	no	no	INTJ
cblr-9983	713	3	.	.	PROPN
cblr-9983	714	1	115	115	NUM
cblr-9983	714	2	-	-	SYM
cblr-9983	714	3	174	174	NUM
cblr-9983	714	4	,	,	PUNCT
cblr-9983	714	5	§	§	PROPN
cblr-9983	714	6	401(e	401(e	PROPN
cblr-9983	714	7	)	)	PUNCT
cblr-9983	714	8	,	,	PUNCT
cblr-9983	714	9	132	132	NUM
cblr-9983	714	10	stat	stat	NOUN
cblr-9983	714	11	.	.	PUNCT
cblr-9983	715	1	1296	1296	NUM
cblr-9983	715	2	,	,	PUNCT
cblr-9983	715	3	1359	1359	NUM
cblr-9983	715	4	(	(	PUNCT
cblr-9983	715	5	2018	2018	NUM
cblr-9983	715	6	)	)	PUNCT
cblr-9983	715	7	(	(	PUNCT
cblr-9983	715	8	codified	codify	VERB
cblr-9983	715	9	at	at	ADP
cblr-9983	715	10	12	12	NUM
cblr-9983	715	11	u.s.c	u.s.c	NOUN
cblr-9983	715	12	.	.	PUNCT
cblr-9983	716	1	§	§	PROPN
cblr-9983	716	2	5365	5365	NUM
cblr-9983	716	3	note	note	NOUN
cblr-9983	716	4	)	)	PUNCT
cblr-9983	716	5	.	.	PUNCT
cblr-9983	717	1	the	the	DET
cblr-9983	717	2	federal	federal	PROPN
cblr-9983	717	3	reserve	reserve	PROPN
cblr-9983	717	4	currently	currently	ADV
cblr-9983	717	5	treats	treat	VERB
cblr-9983	717	6	“	"	PUNCT
cblr-9983	717	7	on	on	ADP
cblr-9983	717	8	a	a	DET
cblr-9983	717	9	periodic	periodic	ADJ
cblr-9983	717	10	basis	basis	NOUN
cblr-9983	717	11	”	"	PUNCT
cblr-9983	717	12	as	as	ADP
cblr-9983	717	13	every	every	DET
cblr-9983	717	14	other	other	ADJ
cblr-9983	717	15	year	year	NOUN
cblr-9983	717	16	.	.	PUNCT
cblr-9983	718	1	press	press	NOUN
cblr-9983	718	2	release	release	NOUN
cblr-9983	718	3	,	,	PUNCT
cblr-9983	718	4	bd	bd	AUX
cblr-9983	718	5	.	.	PROPN
cblr-9983	718	6	governors	governors	PROPN
cblr-9983	718	7	fed	fed	PROPN
cblr-9983	718	8	.	.	PUNCT
cblr-9983	719	1	rsrv	rsrv	PROPN
cblr-9983	719	2	.	.	PUNCT
cblr-9983	720	1	sys	sys	PROPN
cblr-9983	720	2	.	.	PROPN
cblr-9983	720	3	,	,	PUNCT
cblr-9983	720	4	federal	federal	PROPN
cblr-9983	720	5	reserve	reserve	PROPN
cblr-9983	720	6	board	board	PROPN
cblr-9983	720	7	releases	release	VERB
cblr-9983	720	8	scenarios	scenario	NOUN
cblr-9983	720	9	for	for	ADP
cblr-9983	720	10	2019	2019	NUM
cblr-9983	720	11	comprehensive	comprehensive	ADJ
cblr-9983	720	12	capital	capital	NOUN
cblr-9983	720	13	analysis	analysis	NOUN
cblr-9983	720	14	and	and	CCONJ
cblr-9983	720	15	review	review	NOUN
cblr-9983	720	16	(	(	PUNCT
cblr-9983	720	17	ccar	ccar	NOUN
cblr-9983	720	18	)	)	PUNCT
cblr-9983	720	19	and	and	CCONJ
cblr-9983	720	20	dodd	dodd	PROPN
cblr-9983	720	21	-	-	PUNCT
cblr-9983	720	22	frank	frank	PROPN
cblr-9983	720	23	act	act	PROPN
cblr-9983	720	24	stress	stress	PROPN
cblr-9983	720	25	test	test	NOUN
cblr-9983	720	26	exercises	exercise	NOUN
cblr-9983	720	27	(	(	PUNCT
cblr-9983	720	28	feb	feb	PROPN
cblr-9983	720	29	.	.	PROPN
cblr-9983	720	30	5	5	NUM
cblr-9983	720	31	,	,	PUNCT
cblr-9983	720	32	2019	2019	NUM
cblr-9983	720	33	)	)	PUNCT
cblr-9983	720	34	,	,	PUNCT
cblr-9983	720	35	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20190205b	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20190205b	NOUN
cblr-9983	720	36	.	.	PUNCT
cblr-9983	720	37	htm	htm	PROPN
cblr-9983	721	1	[	[	X
cblr-9983	721	2	https://perma.cc/m2sa-azrs	https://perma.cc/m2sa-azrs	X
cblr-9983	721	3	]	]	X
cblr-9983	721	4	.	.	PUNCT
cblr-9983	722	1	107	107	NUM
cblr-9983	722	2	12	12	NUM
cblr-9983	722	3	u.s.c	u.s.c	NOUN
cblr-9983	722	4	.	.	PUNCT
cblr-9983	723	1	s	s	PART
cblr-9983	723	2	5365	5365	NUM
cblr-9983	723	3	note	note	NOUN
cblr-9983	723	4	(	(	PUNCT
cblr-9983	723	5	2018	2018	NUM
cblr-9983	723	6	)	)	PUNCT
cblr-9983	723	7	.	.	PUNCT
cblr-9983	724	1	108	108	NUM
cblr-9983	725	1	i	i	PRON
cblr-9983	725	2	d.	d.	PROPN
cblr-9983	725	3	no	no	INTJ
cblr-9983	725	4	.	.	PUNCT
cblr-9983	726	1	1:279	1:279	NOUN
cblr-9983	726	2	]	]	X
cblr-9983	726	3	bank	bank	NOUN
cblr-9983	726	4	supervision	supervision	NOUN
cblr-9983	726	5	and	and	CCONJ
cblr-9983	726	6	administrative	administrative	ADJ
cblr-9983	726	7	law	law	NOUN
cblr-9983	726	8	319	319	NUM
cblr-9983	726	9	for	for	ADP
cblr-9983	726	10	calculating	calculate	VERB
cblr-9983	726	11	capital	capital	NOUN
cblr-9983	726	12	requirements	requirement	NOUN
cblr-9983	726	13	for	for	ADP
cblr-9983	726	14	,	,	PUNCT
cblr-9983	726	15	respectively	respectively	ADV
cblr-9983	726	16	,	,	PUNCT
cblr-9983	726	17	thirtythree	thirtythree	PROPN
cblr-9983	726	18	and	and	CCONJ
cblr-9983	726	19	twenty	twenty	NUM
cblr-9983	726	20	-	-	PUNCT
cblr-9983	726	21	three	three	NUM
cblr-9983	726	22	large	large	ADJ
cblr-9983	726	23	banks.109	banks.109	NOUN
cblr-9983	726	24	as	as	SCONJ
cblr-9983	726	25	noted	note	VERB
cblr-9983	726	26	in	in	ADP
cblr-9983	726	27	part	part	PROPN
cblr-9983	726	28	ii	ii	PROPN
cblr-9983	726	29	,	,	PUNCT
cblr-9983	726	30	capital	capital	NOUN
cblr-9983	726	31	requirements	requirement	NOUN
cblr-9983	726	32	have	have	AUX
cblr-9983	726	33	traditionally	traditionally	ADV
cblr-9983	726	34	been	be	AUX
cblr-9983	726	35	generated	generate	VERB
cblr-9983	726	36	from	from	ADP
cblr-9983	726	37	regulatory	regulatory	ADJ
cblr-9983	726	38	estimates	estimate	NOUN
cblr-9983	726	39	of	of	ADP
cblr-9983	726	40	average	average	ADJ
cblr-9983	726	41	past	past	ADJ
cblr-9983	726	42	losses	loss	NOUN
cblr-9983	726	43	associated	associate	VERB
cblr-9983	726	44	with	with	ADP
cblr-9983	726	45	various	various	ADJ
cblr-9983	726	46	asset	asset	NOUN
cblr-9983	726	47	classes	class	NOUN
cblr-9983	726	48	.	.	PUNCT
cblr-9983	727	1	these	these	DET
cblr-9983	727	2	average	average	ADJ
cblr-9983	727	3	loss	loss	NOUN
cblr-9983	727	4	parameters	parameter	NOUN
cblr-9983	727	5	do	do	AUX
cblr-9983	727	6	not	not	PART
cblr-9983	727	7	factor	factor	VERB
cblr-9983	727	8	in	in	ADP
cblr-9983	727	9	how	how	SCONJ
cblr-9983	727	10	losses	loss	NOUN
cblr-9983	727	11	across	across	ADP
cblr-9983	727	12	asset	asset	NOUN
cblr-9983	727	13	classes	class	NOUN
cblr-9983	727	14	may	may	AUX
cblr-9983	727	15	be	be	AUX
cblr-9983	727	16	correlated	correlate	VERB
cblr-9983	727	17	in	in	ADP
cblr-9983	727	18	some	some	DET
cblr-9983	727	19	states	state	NOUN
cblr-9983	727	20	of	of	ADP
cblr-9983	727	21	the	the	DET
cblr-9983	727	22	world	world	NOUN
cblr-9983	727	23	,	,	PUNCT
cblr-9983	727	24	nor	nor	CCONJ
cblr-9983	727	25	how	how	SCONJ
cblr-9983	727	26	losses	loss	NOUN
cblr-9983	727	27	across	across	ADP
cblr-9983	727	28	a	a	DET
cblr-9983	727	29	range	range	NOUN
cblr-9983	727	30	of	of	ADP
cblr-9983	727	31	institutions	institution	NOUN
cblr-9983	727	32	may	may	AUX
cblr-9983	727	33	weaken	weaken	VERB
cblr-9983	727	34	the	the	DET
cblr-9983	727	35	financial	financial	ADJ
cblr-9983	727	36	system	system	NOUN
cblr-9983	727	37	as	as	ADP
cblr-9983	727	38	a	a	DET
cblr-9983	727	39	whole	whole	NOUN
cblr-9983	727	40	.	.	PUNCT
cblr-9983	728	1	traditional	traditional	ADJ
cblr-9983	728	2	capital	capital	NOUN
cblr-9983	728	3	requirements	requirement	NOUN
cblr-9983	728	4	,	,	PUNCT
cblr-9983	728	5	which	which	PRON
cblr-9983	728	6	do	do	AUX
cblr-9983	728	7	not	not	PART
cblr-9983	728	8	vary	vary	VERB
cblr-9983	728	9	with	with	ADP
cblr-9983	728	10	changes	change	NOUN
cblr-9983	728	11	in	in	ADP
cblr-9983	728	12	economic	economic	ADJ
cblr-9983	728	13	conditions	condition	NOUN
cblr-9983	728	14	,	,	PUNCT
cblr-9983	728	15	all	all	PRON
cblr-9983	728	16	suffer	suffer	VERB
cblr-9983	728	17	to	to	ADP
cblr-9983	728	18	a	a	DET
cblr-9983	728	19	greater	great	ADJ
cblr-9983	728	20	or	or	CCONJ
cblr-9983	728	21	lesser	less	ADJ
cblr-9983	728	22	degree	degree	NOUN
cblr-9983	728	23	from	from	ADP
cblr-9983	728	24	a	a	DET
cblr-9983	728	25	form	form	NOUN
cblr-9983	728	26	of	of	ADP
cblr-9983	728	27	pro	pro	ADJ
cblr-9983	728	28	-	-	ADJ
cblr-9983	728	29	cyclicality.110	cyclicality.110	ADJ
cblr-9983	728	30	stress	stress	NOUN
cblr-9983	728	31	testing	testing	NOUN
cblr-9983	728	32	is	be	AUX
cblr-9983	728	33	a	a	DET
cblr-9983	728	34	dynamic	dynamic	ADJ
cblr-9983	728	35	,	,	PUNCT
cblr-9983	728	36	forward	forward	ADV
cblr-9983	728	37	-	-	PUNCT
cblr-9983	728	38	looking	look	VERB
cblr-9983	728	39	approach	approach	NOUN
cblr-9983	728	40	to	to	ADP
cblr-9983	728	41	setting	set	VERB
cblr-9983	728	42	minimum	minimum	ADJ
cblr-9983	728	43	capital	capital	NOUN
cblr-9983	728	44	levels	level	NOUN
cblr-9983	728	45	that	that	PRON
cblr-9983	728	46	can	can	AUX
cblr-9983	728	47	potentially	potentially	ADV
cblr-9983	728	48	overcome	overcome	VERB
cblr-9983	728	49	some	some	PRON
cblr-9983	728	50	of	of	ADP
cblr-9983	728	51	the	the	DET
cblr-9983	728	52	traditional	traditional	ADJ
cblr-9983	728	53	limitations	limitation	NOUN
cblr-9983	728	54	of	of	ADP
cblr-9983	728	55	static	static	ADJ
cblr-9983	728	56	capital	capital	NOUN
cblr-9983	728	57	requirements.111	requirements.111	NOUN
cblr-9983	728	58	using	use	VERB
cblr-9983	728	59	an	an	DET
cblr-9983	728	60	economic	economic	ADJ
cblr-9983	728	61	model	model	NOUN
cblr-9983	728	62	,	,	PUNCT
cblr-9983	728	63	stress	stress	NOUN
cblr-9983	728	64	tests	test	NOUN
cblr-9983	728	65	measure	measure	VERB
cblr-9983	728	66	the	the	DET
cblr-9983	728	67	impact	impact	NOUN
cblr-9983	728	68	on	on	ADP
cblr-9983	728	69	bank	bank	NOUN
cblr-9983	728	70	losses	loss	NOUN
cblr-9983	728	71	and	and	CCONJ
cblr-9983	728	72	revenues	revenue	NOUN
cblr-9983	728	73	of	of	ADP
cblr-9983	728	74	a	a	DET
cblr-9983	728	75	hypothesized	hypothesize	VERB
cblr-9983	728	76	severely	severely	ADV
cblr-9983	728	77	adverse	adverse	ADJ
cblr-9983	728	78	scenario.112	scenario.112	ADJ
cblr-9983	728	79	stress	stress	NOUN
cblr-9983	728	80	testing	testing	NOUN
cblr-9983	728	81	thus	thus	ADV
cblr-9983	728	82	projects	project	VERB
cblr-9983	728	83	the	the	DET
cblr-9983	728	84	amount	amount	NOUN
cblr-9983	728	85	of	of	ADP
cblr-9983	728	86	capital	capital	NOUN
cblr-9983	728	87	that	that	PRON
cblr-9983	728	88	would	would	AUX
cblr-9983	728	89	be	be	AUX
cblr-9983	728	90	needed	need	VERB
cblr-9983	728	91	to	to	PART
cblr-9983	728	92	absorb	absorb	VERB
cblr-9983	728	93	bank	bank	NOUN
cblr-9983	728	94	losses	loss	NOUN
cblr-9983	728	95	in	in	ADP
cblr-9983	728	96	an	an	DET
cblr-9983	728	97	unlikely	unlikely	ADJ
cblr-9983	728	98	,	,	PUNCT
cblr-9983	728	99	but	but	CCONJ
cblr-9983	728	100	plausible	plausible	ADJ
cblr-9983	728	101	,	,	PUNCT
cblr-9983	728	102	tail	tail	NOUN
cblr-9983	728	103	event.113	event.113	NOUN
cblr-9983	728	104	stress	stress	NOUN
cblr-9983	728	105	testing	testing	NOUN
cblr-9983	728	106	can	can	AUX
cblr-9983	728	107	reveal	reveal	VERB
cblr-9983	728	108	the	the	DET
cblr-9983	728	109	degree	degree	NOUN
cblr-9983	728	110	of	of	ADP
cblr-9983	728	111	loss	loss	NOUN
cblr-9983	728	112	correlations	correlation	NOUN
cblr-9983	728	113	among	among	ADP
cblr-9983	728	114	asset	asset	NOUN
cblr-9983	728	115	classes	class	NOUN
cblr-9983	728	116	.	.	PUNCT
cblr-9983	729	1	by	by	ADP
cblr-9983	729	2	testing	test	VERB
cblr-9983	729	3	all	all	DET
cblr-9983	729	4	large	large	ADJ
cblr-9983	729	5	bank	bank	NOUN
cblr-9983	729	6	balance	balance	NOUN
cblr-9983	729	7	sheets	sheet	NOUN
cblr-9983	729	8	simultaneously	simultaneously	ADV
cblr-9983	729	9	,	,	PUNCT
cblr-9983	729	10	stress	stress	NOUN
cblr-9983	729	11	testing	testing	NOUN
cblr-9983	729	12	gives	give	VERB
cblr-9983	729	13	a	a	DET
cblr-9983	729	14	more	more	ADV
cblr-9983	729	15	accurate	accurate	ADJ
cblr-9983	729	16	picture	picture	NOUN
cblr-9983	729	17	109	109	NUM
cblr-9983	729	18	bd	bd	NOUN
cblr-9983	729	19	.	.	PROPN
cblr-9983	729	20	of	of	ADP
cblr-9983	729	21	governors	governor	NOUN
cblr-9983	729	22	of	of	ADP
cblr-9983	729	23	the	the	DET
cblr-9983	729	24	fed	fed	PROPN
cblr-9983	729	25	.	.	PUNCT
cblr-9983	730	1	rsrv	rsrv	PROPN
cblr-9983	730	2	.	.	PUNCT
cblr-9983	731	1	sys	sys	PROPN
cblr-9983	731	2	,	,	PUNCT
cblr-9983	731	3	dodd	dodd	PROPN
cblr-9983	731	4	-	-	PUNCT
cblr-9983	731	5	frank	frank	PROPN
cblr-9983	731	6	act	act	PROPN
cblr-9983	731	7	stress	stress	NOUN
cblr-9983	731	8	test	test	NOUN
cblr-9983	731	9	2020	2020	NUM
cblr-9983	731	10	:	:	PUNCT
cblr-9983	731	11	supervisory	supervisory	ADJ
cblr-9983	731	12	stress	stress	NOUN
cblr-9983	731	13	test	test	NOUN
cblr-9983	731	14	results	result	NOUN
cblr-9983	731	15	1	1	NUM
cblr-9983	731	16	(	(	PUNCT
cblr-9983	731	17	2020	2020	NUM
cblr-9983	731	18	)	)	PUNCT
cblr-9983	731	19	,	,	PUNCT
cblr-9983	731	20	https://www.federalreserve.gov/publications/files/2020-dfast-results20200625.pdf	https://www.federalreserve.gov/publications/files/2020-dfast-results20200625.pdf	PROPN
cblr-9983	732	1	[	[	X
cblr-9983	732	2	https://perma.cc/xg67-6ya8	https://perma.cc/xg67-6ya8	X
cblr-9983	732	3	]	]	X
cblr-9983	732	4	;	;	PUNCT
cblr-9983	732	5	bd	bd	AUX
cblr-9983	732	6	.	.	PROPN
cblr-9983	732	7	of	of	ADP
cblr-9983	732	8	governors	governor	NOUN
cblr-9983	732	9	of	of	ADP
cblr-9983	732	10	the	the	DET
cblr-9983	732	11	fed	fed	PROPN
cblr-9983	732	12	.	.	PUNCT
cblr-9983	732	13	rsrv	rsrv	PROPN
cblr-9983	732	14	.	.	PUNCT
cblr-9983	733	1	sys	sys	PROPN
cblr-9983	733	2	,	,	PUNCT
cblr-9983	733	3	dodd	dodd	PROPN
cblr-9983	733	4	-	-	PUNCT
cblr-9983	733	5	frank	frank	PROPN
cblr-9983	733	6	act	act	PROPN
cblr-9983	733	7	stress	stress	NOUN
cblr-9983	733	8	test	test	NOUN
cblr-9983	733	9	2021	2021	NUM
cblr-9983	733	10	:	:	PUNCT
cblr-9983	733	11	supervisory	supervisory	ADJ
cblr-9983	733	12	stress	stress	NOUN
cblr-9983	733	13	test	test	NOUN
cblr-9983	733	14	results	result	VERB
cblr-9983	733	15	1	1	NUM
cblr-9983	733	16	(	(	PUNCT
cblr-9983	733	17	2021	2021	NUM
cblr-9983	733	18	)	)	PUNCT
cblr-9983	733	19	,	,	PUNCT
cblr-9983	733	20	https://www.federalreserve.gov/publications/files/2021dfast-results-20210624.pdf	https://www.federalreserve.gov/publications/files/2021dfast-results-20210624.pdf	PUNCT
cblr-9983	734	1	[	[	X
cblr-9983	734	2	https://perma.cc/7sjv-8cgv	https://perma.cc/7sjv-8cgv	X
cblr-9983	734	3	]	]	X
cblr-9983	734	4	.	.	PUNCT
cblr-9983	735	1	110	110	NUM
cblr-9983	735	2	to	to	PART
cblr-9983	735	3	take	take	VERB
cblr-9983	735	4	one	one	NUM
cblr-9983	735	5	example	example	NOUN
cblr-9983	735	6	,	,	PUNCT
cblr-9983	735	7	the	the	DET
cblr-9983	735	8	higher	high	ADJ
cblr-9983	735	9	earnings	earning	NOUN
cblr-9983	735	10	and	and	CCONJ
cblr-9983	735	11	lower	low	ADJ
cblr-9983	735	12	default	default	NOUN
cblr-9983	735	13	rates	rate	NOUN
cblr-9983	735	14	experienced	experience	VERB
cblr-9983	735	15	during	during	ADP
cblr-9983	735	16	the	the	DET
cblr-9983	735	17	peak	peak	NOUN
cblr-9983	735	18	of	of	ADP
cblr-9983	735	19	an	an	DET
cblr-9983	735	20	economic	economic	ADJ
cblr-9983	735	21	cycle	cycle	NOUN
cblr-9983	735	22	allow	allow	VERB
cblr-9983	735	23	more	more	ADJ
cblr-9983	735	24	lending	lending	NOUN
cblr-9983	735	25	(	(	PUNCT
cblr-9983	735	26	because	because	SCONJ
cblr-9983	735	27	earnings	earning	NOUN
cblr-9983	735	28	increase	increase	NOUN
cblr-9983	735	29	capital	capital	NOUN
cblr-9983	735	30	and	and	CCONJ
cblr-9983	735	31	rising	rise	VERB
cblr-9983	735	32	asset	asset	NOUN
cblr-9983	735	33	prices	price	NOUN
cblr-9983	735	34	increase	increase	VERB
cblr-9983	735	35	collateral	collateral	ADJ
cblr-9983	735	36	values	value	NOUN
cblr-9983	735	37	)	)	PUNCT
cblr-9983	735	38	and	and	CCONJ
cblr-9983	735	39	can	can	AUX
cblr-9983	735	40	give	give	VERB
cblr-9983	735	41	a	a	DET
cblr-9983	735	42	misleading	misleading	ADJ
cblr-9983	735	43	picture	picture	NOUN
cblr-9983	735	44	of	of	ADP
cblr-9983	735	45	how	how	SCONJ
cblr-9983	735	46	the	the	DET
cblr-9983	735	47	bank	bank	NOUN
cblr-9983	735	48	will	will	AUX
cblr-9983	735	49	fare	fare	VERB
cblr-9983	735	50	once	once	SCONJ
cblr-9983	735	51	the	the	DET
cblr-9983	735	52	economy	economy	NOUN
cblr-9983	735	53	turns	turn	VERB
cblr-9983	735	54	down	down	ADP
cblr-9983	735	55	and	and	CCONJ
cblr-9983	735	56	default	default	NOUN
cblr-9983	735	57	rates	rate	NOUN
cblr-9983	735	58	on	on	ADP
cblr-9983	735	59	all	all	DET
cblr-9983	735	60	those	those	DET
cblr-9983	735	61	additional	additional	ADJ
cblr-9983	735	62	loans	loan	NOUN
cblr-9983	735	63	increase	increase	NOUN
cblr-9983	735	64	.	.	PUNCT
cblr-9983	736	1	for	for	ADP
cblr-9983	736	2	a	a	DET
cblr-9983	736	3	more	more	ADV
cblr-9983	736	4	complete	complete	ADJ
cblr-9983	736	5	explanation	explanation	NOUN
cblr-9983	736	6	of	of	ADP
cblr-9983	736	7	the	the	DET
cblr-9983	736	8	procyclical	procyclical	ADJ
cblr-9983	736	9	effects	effect	NOUN
cblr-9983	736	10	of	of	ADP
cblr-9983	736	11	many	many	ADJ
cblr-9983	736	12	capital	capital	NOUN
cblr-9983	736	13	requirements	requirement	NOUN
cblr-9983	736	14	,	,	PUNCT
cblr-9983	736	15	see	see	VERB
cblr-9983	736	16	rafael	rafael	PROPN
cblr-9983	736	17	repullo	repullo	PROPN
cblr-9983	736	18	&	&	CCONJ
cblr-9983	736	19	javier	javier	PROPN
cblr-9983	736	20	suarez	suarez	PROPN
cblr-9983	736	21	,	,	PUNCT
cblr-9983	736	22	the	the	DET
cblr-9983	736	23	procyclical	procyclical	ADJ
cblr-9983	736	24	effects	effect	NOUN
cblr-9983	736	25	of	of	ADP
cblr-9983	736	26	bank	bank	NOUN
cblr-9983	736	27	capital	capital	NOUN
cblr-9983	736	28	regulation	regulation	PROPN
cblr-9983	736	29	,	,	PUNCT
cblr-9983	736	30	rev	rev	PROPN
cblr-9983	736	31	.	.	PROPN
cblr-9983	736	32	fin	fin	PROPN
cblr-9983	736	33	.	.	PUNCT
cblr-9983	736	34	stud	stud	PROPN
cblr-9983	736	35	.	.	PUNCT
cblr-9983	737	1	452	452	NUM
cblr-9983	737	2	(	(	PUNCT
cblr-9983	737	3	2013	2013	NUM
cblr-9983	737	4	)	)	PUNCT
cblr-9983	737	5	.	.	PUNCT
cblr-9983	738	1	111	111	NUM
cblr-9983	738	2	policy	policy	NOUN
cblr-9983	738	3	statement	statement	NOUN
cblr-9983	738	4	on	on	ADP
cblr-9983	738	5	the	the	DET
cblr-9983	738	6	scenario	scenario	NOUN
cblr-9983	738	7	design	design	NOUN
cblr-9983	738	8	framework	framework	NOUN
cblr-9983	738	9	for	for	ADP
cblr-9983	738	10	stress	stress	NOUN
cblr-9983	738	11	testing	testing	NOUN
cblr-9983	738	12	,	,	PUNCT
cblr-9983	738	13	12	12	NUM
cblr-9983	738	14	c.f.r	c.f.r	NOUN
cblr-9983	738	15	.	.	PUNCT
cblr-9983	739	1	pt	pt	PROPN
cblr-9983	739	2	.	.	PROPN
cblr-9983	739	3	252	252	NUM
cblr-9983	739	4	app	app	NOUN
cblr-9983	739	5	.	.	PUNCT
cblr-9983	740	1	a	a	PRON
cblr-9983	740	2	,	,	PUNCT
cblr-9983	740	3	§	§	PROPN
cblr-9983	740	4	1(e	1(e	NUM
cblr-9983	740	5	)	)	PUNCT
cblr-9983	740	6	(	(	PUNCT
cblr-9983	740	7	2021	2021	NUM
cblr-9983	740	8	)	)	PUNCT
cblr-9983	740	9	.	.	PUNCT
cblr-9983	741	1	112	112	NUM
cblr-9983	742	1	i	i	PRON
cblr-9983	742	2	d.	d.	PROPN
cblr-9983	742	3	§	§	PROPN
cblr-9983	742	4	2(b	2(b	NUM
cblr-9983	742	5	)	)	PUNCT
cblr-9983	742	6	.	.	PUNCT
cblr-9983	743	1	113	113	NUM
cblr-9983	744	1	i	i	PRON
cblr-9983	744	2	d.	d.	PROPN
cblr-9983	744	3	§	§	PROPN
cblr-9983	744	4	1(f	1(f	NUM
cblr-9983	744	5	)	)	PUNCT
cblr-9983	744	6	.	.	PUNCT
cblr-9983	745	1	320	320	NUM
cblr-9983	745	2	columbia	columbia	PROPN
cblr-9983	745	3	business	business	NOUN
cblr-9983	745	4	law	law	PROPN
cblr-9983	745	5	review	review	NOUN
cblr-9983	745	6	[	[	X
cblr-9983	745	7	vol	vol	NOUN
cblr-9983	745	8	.	.	PUNCT
cblr-9983	745	9	2022	2022	NUM
cblr-9983	745	10	of	of	ADP
cblr-9983	745	11	the	the	DET
cblr-9983	745	12	risks	risk	NOUN
cblr-9983	745	13	to	to	ADP
cblr-9983	745	14	the	the	DET
cblr-9983	745	15	financial	financial	ADJ
cblr-9983	745	16	system	system	NOUN
cblr-9983	745	17	.	.	PUNCT
cblr-9983	746	1	depending	depend	VERB
cblr-9983	746	2	on	on	ADP
cblr-9983	746	3	the	the	DET
cblr-9983	746	4	sophistication	sophistication	NOUN
cblr-9983	746	5	of	of	ADP
cblr-9983	746	6	the	the	DET
cblr-9983	746	7	economic	economic	ADJ
cblr-9983	746	8	model	model	NOUN
cblr-9983	746	9	,	,	PUNCT
cblr-9983	746	10	some	some	PRON
cblr-9983	746	11	of	of	ADP
cblr-9983	746	12	the	the	DET
cblr-9983	746	13	unhelpful	unhelpful	ADJ
cblr-9983	746	14	pro	pro	ADJ
cblr-9983	746	15	-	-	ADJ
cblr-9983	746	16	cyclical	cyclical	ADJ
cblr-9983	746	17	features	feature	NOUN
cblr-9983	746	18	of	of	ADP
cblr-9983	746	19	point	point	NOUN
cblr-9983	746	20	-	-	PUNCT
cblr-9983	746	21	in	in	ADP
cblr-9983	746	22	-	-	PUNCT
cblr-9983	746	23	time	time	NOUN
cblr-9983	746	24	capital	capital	NOUN
cblr-9983	746	25	requirements	requirement	NOUN
cblr-9983	746	26	can	can	AUX
cblr-9983	746	27	be	be	AUX
cblr-9983	746	28	mitigated.114	mitigated.114	NOUN
cblr-9983	746	29	following	follow	VERB
cblr-9983	746	30	the	the	DET
cblr-9983	746	31	financial	financial	ADJ
cblr-9983	746	32	crisis	crisis	NOUN
cblr-9983	746	33	,	,	PUNCT
cblr-9983	746	34	the	the	DET
cblr-9983	746	35	federal	federal	PROPN
cblr-9983	746	36	reserve	reserve	PROPN
cblr-9983	746	37	adopted	adopt	VERB
cblr-9983	746	38	a	a	DET
cblr-9983	746	39	notice	notice	NOUN
cblr-9983	746	40	-	-	PUNCT
cblr-9983	746	41	and	and	CCONJ
cblr-9983	746	42	-	-	PUNCT
cblr-9983	746	43	comment	comment	NOUN
cblr-9983	746	44	rule	rule	NOUN
cblr-9983	746	45	that	that	PRON
cblr-9983	746	46	requires	require	VERB
cblr-9983	746	47	large	large	ADJ
cblr-9983	746	48	banks	bank	NOUN
cblr-9983	746	49	annually	annually	ADV
cblr-9983	746	50	to	to	PART
cblr-9983	746	51	undergo	undergo	VERB
cblr-9983	746	52	a	a	DET
cblr-9983	746	53	stress	stress	NOUN
cblr-9983	746	54	test	test	NOUN
cblr-9983	746	55	,	,	PUNCT
cblr-9983	746	56	which	which	PRON
cblr-9983	746	57	is	be	AUX
cblr-9983	746	58	used	use	VERB
cblr-9983	746	59	to	to	PART
cblr-9983	746	60	help	help	VERB
cblr-9983	746	61	set	set	VERB
cblr-9983	746	62	minimum	minimum	ADJ
cblr-9983	746	63	capital	capital	NOUN
cblr-9983	746	64	requirements	requirement	NOUN
cblr-9983	746	65	for	for	ADP
cblr-9983	746	66	those	those	DET
cblr-9983	746	67	banks.115	banks.115	PROPN
cblr-9983	746	68	as	as	SCONJ
cblr-9983	746	69	explained	explain	VERB
cblr-9983	746	70	in	in	ADP
cblr-9983	746	71	the	the	DET
cblr-9983	746	72	preamble	preamble	NOUN
cblr-9983	746	73	to	to	ADP
cblr-9983	746	74	that	that	DET
cblr-9983	746	75	rule	rule	NOUN
cblr-9983	746	76	,	,	PUNCT
cblr-9983	746	77	the	the	DET
cblr-9983	746	78	regulation	regulation	NOUN
cblr-9983	746	79	was	be	AUX
cblr-9983	746	80	motivated	motivate	VERB
cblr-9983	746	81	in	in	ADP
cblr-9983	746	82	part	part	NOUN
cblr-9983	746	83	by	by	ADP
cblr-9983	746	84	the	the	DET
cblr-9983	746	85	substantial	substantial	ADJ
cblr-9983	746	86	depletion	depletion	NOUN
cblr-9983	746	87	of	of	ADP
cblr-9983	746	88	capital	capital	NOUN
cblr-9983	746	89	in	in	ADP
cblr-9983	746	90	some	some	DET
cblr-9983	746	91	large	large	ADJ
cblr-9983	746	92	banks	bank	NOUN
cblr-9983	746	93	on	on	ADP
cblr-9983	746	94	the	the	DET
cblr-9983	746	95	eve	eve	NOUN
cblr-9983	746	96	of	of	ADP
cblr-9983	746	97	the	the	DET
cblr-9983	746	98	financial	financial	ADJ
cblr-9983	746	99	crisis	crisis	NOUN
cblr-9983	746	100	because	because	SCONJ
cblr-9983	746	101	of	of	ADP
cblr-9983	746	102	large	large	ADJ
cblr-9983	746	103	dividend	dividend	NOUN
cblr-9983	746	104	distributions.116	distributions.116	CCONJ
cblr-9983	746	105	thus	thus	ADV
cblr-9983	746	106	,	,	PUNCT
cblr-9983	746	107	the	the	DET
cblr-9983	746	108	rule	rule	NOUN
cblr-9983	746	109	was	be	AUX
cblr-9983	746	110	intended	intend	VERB
cblr-9983	746	111	to	to	PART
cblr-9983	746	112	ensure	ensure	VERB
cblr-9983	746	113	that	that	SCONJ
cblr-9983	746	114	systemically	systemically	ADV
cblr-9983	746	115	important	important	ADJ
cblr-9983	746	116	banks	bank	NOUN
cblr-9983	746	117	maintain	maintain	VERB
cblr-9983	746	118	sufficient	sufficient	ADJ
cblr-9983	746	119	114	114	NUM
cblr-9983	746	120	there	there	PRON
cblr-9983	746	121	is	be	VERB
cblr-9983	746	122	an	an	DET
cblr-9983	746	123	ongoing	ongoing	ADJ
cblr-9983	746	124	debate	debate	NOUN
cblr-9983	746	125	around	around	ADP
cblr-9983	746	126	the	the	DET
cblr-9983	746	127	efficacy	efficacy	NOUN
cblr-9983	746	128	of	of	ADP
cblr-9983	746	129	,	,	PUNCT
cblr-9983	746	130	and	and	CCONJ
cblr-9983	746	131	optimal	optimal	ADJ
cblr-9983	746	132	approach	approach	NOUN
cblr-9983	746	133	to	to	ADP
cblr-9983	746	134	,	,	PUNCT
cblr-9983	746	135	stress	stress	NOUN
cblr-9983	746	136	testing	testing	NOUN
cblr-9983	746	137	.	.	PUNCT
cblr-9983	747	1	for	for	ADP
cblr-9983	747	2	an	an	DET
cblr-9983	747	3	introduction	introduction	NOUN
cblr-9983	747	4	to	to	ADP
cblr-9983	747	5	the	the	DET
cblr-9983	747	6	issues	issue	NOUN
cblr-9983	747	7	,	,	PUNCT
cblr-9983	747	8	see	see	VERB
cblr-9983	747	9	richard	richard	PROPN
cblr-9983	747	10	j.	j.	PROPN
cblr-9983	747	11	herring	herring	PROPN
cblr-9983	747	12	&	&	CCONJ
cblr-9983	747	13	til	til	PROPN
cblr-9983	747	14	shuermann	shuermann	PROPN
cblr-9983	747	15	,	,	PUNCT
cblr-9983	747	16	objectives	objective	NOUN
cblr-9983	747	17	and	and	CCONJ
cblr-9983	747	18	challenges	challenge	NOUN
cblr-9983	747	19	of	of	ADP
cblr-9983	747	20	stress	stress	NOUN
cblr-9983	747	21	testing	testing	NOUN
cblr-9983	747	22	,	,	PUNCT
cblr-9983	747	23	in	in	ADP
cblr-9983	747	24	handbook	handbook	NOUN
cblr-9983	747	25	of	of	ADP
cblr-9983	747	26	financial	financial	ADJ
cblr-9983	747	27	stress	stress	NOUN
cblr-9983	747	28	testing	testing	NOUN
cblr-9983	747	29	(	(	PUNCT
cblr-9983	747	30	j.	j.	PROPN
cblr-9983	747	31	doyne	doyne	PROPN
cblr-9983	747	32	famer	famer	NOUN
cblr-9983	747	33	et	et	PROPN
cblr-9983	747	34	al	al	PROPN
cblr-9983	747	35	.	.	PROPN
cblr-9983	747	36	,	,	PUNCT
cblr-9983	747	37	eds	eds	PROPN
cblr-9983	747	38	.	.	PROPN
cblr-9983	747	39	,	,	PUNCT
cblr-9983	747	40	2022	2022	NUM
cblr-9983	747	41	)	)	PUNCT
cblr-9983	747	42	.	.	PUNCT
cblr-9983	748	1	this	this	DET
cblr-9983	748	2	article	article	NOUN
cblr-9983	748	3	focuses	focus	VERB
cblr-9983	748	4	only	only	ADV
cblr-9983	748	5	on	on	ADP
cblr-9983	748	6	the	the	DET
cblr-9983	748	7	administrative	administrative	ADJ
cblr-9983	748	8	law	law	NOUN
cblr-9983	748	9	issues	issue	NOUN
cblr-9983	748	10	surrounding	surround	VERB
cblr-9983	748	11	the	the	DET
cblr-9983	748	12	federal	federal	PROPN
cblr-9983	748	13	reserve	reserve	PROPN
cblr-9983	748	14	’s	’s	PART
cblr-9983	748	15	use	use	NOUN
cblr-9983	748	16	of	of	ADP
cblr-9983	748	17	stress	stress	NOUN
cblr-9983	748	18	testing	testing	NOUN
cblr-9983	748	19	and	and	CCONJ
cblr-9983	748	20	does	do	AUX
cblr-9983	748	21	not	not	PART
cblr-9983	748	22	consider	consider	VERB
cblr-9983	748	23	these	these	DET
cblr-9983	748	24	important	important	ADJ
cblr-9983	748	25	policy	policy	NOUN
cblr-9983	748	26	issues	issue	NOUN
cblr-9983	748	27	.	.	PUNCT
cblr-9983	749	1	115	115	NUM
cblr-9983	749	2	capital	capital	NOUN
cblr-9983	749	3	plans	plan	NOUN
cblr-9983	749	4	,	,	PUNCT
cblr-9983	749	5	76	76	NUM
cblr-9983	749	6	fed	fed	PROPN
cblr-9983	749	7	.	.	PUNCT
cblr-9983	750	1	reg	reg	PROPN
cblr-9983	750	2	.	.	PUNCT
cblr-9983	751	1	74,631	74,631	NUM
cblr-9983	751	2	,	,	PUNCT
cblr-9983	751	3	74,632	74,632	NUM
cblr-9983	751	4	(	(	PUNCT
cblr-9983	751	5	dec	dec	PROPN
cblr-9983	751	6	.	.	PROPN
cblr-9983	751	7	1	1	NUM
cblr-9983	751	8	,	,	PUNCT
cblr-9983	751	9	2011	2011	NUM
cblr-9983	751	10	)	)	PUNCT
cblr-9983	751	11	(	(	PUNCT
cblr-9983	751	12	to	to	PART
cblr-9983	751	13	be	be	AUX
cblr-9983	751	14	codified	codify	VERB
cblr-9983	751	15	at	at	ADP
cblr-9983	751	16	12	12	NUM
cblr-9983	751	17	c.f.r	c.f.r	NOUN
cblr-9983	751	18	.	.	PUNCT
cblr-9983	752	1	pt	pt	PROPN
cblr-9983	752	2	.	.	PROPN
cblr-9983	752	3	225	225	NUM
cblr-9983	752	4	)	)	PUNCT
cblr-9983	752	5	.	.	PUNCT
cblr-9983	753	1	the	the	DET
cblr-9983	753	2	rule	rule	NOUN
cblr-9983	753	3	has	have	AUX
cblr-9983	753	4	subsequently	subsequently	ADV
cblr-9983	753	5	been	be	AUX
cblr-9983	753	6	amended	amend	VERB
cblr-9983	753	7	,	,	PUNCT
cblr-9983	753	8	as	as	SCONJ
cblr-9983	753	9	reflected	reflect	VERB
cblr-9983	753	10	in	in	ADP
cblr-9983	753	11	the	the	DET
cblr-9983	753	12	discussion	discussion	NOUN
cblr-9983	753	13	in	in	ADP
cblr-9983	753	14	the	the	DET
cblr-9983	753	15	text	text	NOUN
cblr-9983	753	16	.	.	PUNCT
cblr-9983	754	1	regulations	regulation	NOUN
cblr-9983	754	2	q	q	PROPN
cblr-9983	754	3	,	,	PUNCT
cblr-9983	754	4	y	y	PROPN
cblr-9983	754	5	,	,	PUNCT
cblr-9983	754	6	and	and	CCONJ
cblr-9983	754	7	yy	yy	INTJ
cblr-9983	754	8	:	:	PUNCT
cblr-9983	754	9	regulatory	regulatory	ADJ
cblr-9983	754	10	capital	capital	NOUN
cblr-9983	754	11	,	,	PUNCT
cblr-9983	754	12	capital	capital	NOUN
cblr-9983	754	13	plan	plan	NOUN
cblr-9983	754	14	,	,	PUNCT
cblr-9983	754	15	and	and	CCONJ
cblr-9983	754	16	stress	stress	NOUN
cblr-9983	754	17	test	test	NOUN
cblr-9983	754	18	rules	rule	NOUN
cblr-9983	754	19	,	,	PUNCT
cblr-9983	754	20	85	85	NUM
cblr-9983	754	21	fed	feed	VERB
cblr-9983	754	22	.	.	PUNCT
cblr-9983	755	1	reg	reg	PROPN
cblr-9983	755	2	.	.	PROPN
cblr-9983	756	1	15,576	15,576	NUM
cblr-9983	756	2	,	,	PUNCT
cblr-9983	756	3	15,576	15,576	NUM
cblr-9983	756	4	(	(	PUNCT
cblr-9983	756	5	mar	mar	PROPN
cblr-9983	756	6	.	.	PROPN
cblr-9983	756	7	18	18	NUM
cblr-9983	756	8	,	,	PUNCT
cblr-9983	756	9	2020	2020	NUM
cblr-9983	756	10	)	)	PUNCT
cblr-9983	756	11	(	(	PUNCT
cblr-9983	756	12	codified	codify	VERB
cblr-9983	756	13	at	at	ADP
cblr-9983	756	14	12	12	NUM
cblr-9983	756	15	c.f.r	c.f.r	NOUN
cblr-9983	756	16	.	.	PUNCT
cblr-9983	757	1	§	§	PROPN
cblr-9983	757	2	225.8	225.8	NUM
cblr-9983	757	3	(	(	PUNCT
cblr-9983	757	4	2021	2021	NUM
cblr-9983	757	5	)	)	PUNCT
cblr-9983	757	6	)	)	PUNCT
cblr-9983	757	7	.	.	PUNCT
cblr-9983	758	1	the	the	DET
cblr-9983	758	2	changes	change	NOUN
cblr-9983	758	3	,	,	PUNCT
cblr-9983	758	4	while	while	SCONJ
cblr-9983	758	5	consequential	consequential	ADJ
cblr-9983	758	6	as	as	ADP
cblr-9983	758	7	a	a	DET
cblr-9983	758	8	matter	matter	NOUN
cblr-9983	758	9	of	of	ADP
cblr-9983	758	10	capital	capital	NOUN
cblr-9983	758	11	regulation	regulation	NOUN
cblr-9983	758	12	policy	policy	NOUN
cblr-9983	758	13	,	,	PUNCT
cblr-9983	758	14	do	do	AUX
cblr-9983	758	15	not	not	PART
cblr-9983	758	16	significantly	significantly	ADV
cblr-9983	758	17	affect	affect	VERB
cblr-9983	758	18	the	the	DET
cblr-9983	758	19	administrative	administrative	ADJ
cblr-9983	758	20	law	law	NOUN
cblr-9983	758	21	issues	issue	NOUN
cblr-9983	758	22	considered	consider	VERB
cblr-9983	758	23	here	here	ADV
cblr-9983	758	24	.	.	PUNCT
cblr-9983	759	1	116	116	NUM
cblr-9983	760	1	the	the	DET
cblr-9983	760	2	preamble	preamble	NOUN
cblr-9983	760	3	reads	read	VERB
cblr-9983	760	4	:	:	PUNCT
cblr-9983	760	5	during	during	ADP
cblr-9983	760	6	the	the	DET
cblr-9983	760	7	years	year	NOUN
cblr-9983	760	8	leading	lead	VERB
cblr-9983	760	9	up	up	ADP
cblr-9983	760	10	to	to	ADP
cblr-9983	760	11	the	the	DET
cblr-9983	760	12	recent	recent	ADJ
cblr-9983	760	13	financial	financial	ADJ
cblr-9983	760	14	crisis	crisis	NOUN
cblr-9983	760	15	,	,	PUNCT
cblr-9983	760	16	many	many	ADJ
cblr-9983	760	17	bank	bank	NOUN
cblr-9983	760	18	holding	hold	VERB
cblr-9983	760	19	companies	company	NOUN
cblr-9983	760	20	made	make	VERB
cblr-9983	760	21	significant	significant	ADJ
cblr-9983	760	22	distributions	distribution	NOUN
cblr-9983	760	23	of	of	ADP
cblr-9983	760	24	capital	capital	NOUN
cblr-9983	760	25	,	,	PUNCT
cblr-9983	760	26	in	in	ADP
cblr-9983	760	27	the	the	DET
cblr-9983	760	28	form	form	NOUN
cblr-9983	760	29	of	of	ADP
cblr-9983	760	30	stock	stock	NOUN
cblr-9983	760	31	repurchases	repurchase	NOUN
cblr-9983	760	32	and	and	CCONJ
cblr-9983	760	33	dividends	dividend	NOUN
cblr-9983	760	34	,	,	PUNCT
cblr-9983	760	35	without	without	ADP
cblr-9983	760	36	due	due	ADJ
cblr-9983	760	37	consideration	consideration	NOUN
cblr-9983	760	38	of	of	ADP
cblr-9983	760	39	the	the	DET
cblr-9983	760	40	effects	effect	NOUN
cblr-9983	760	41	that	that	PRON
cblr-9983	760	42	a	a	DET
cblr-9983	760	43	prolonged	prolonged	ADJ
cblr-9983	760	44	economic	economic	ADJ
cblr-9983	760	45	downturn	downturn	NOUN
cblr-9983	760	46	could	could	AUX
cblr-9983	760	47	have	have	VERB
cblr-9983	760	48	on	on	ADP
cblr-9983	760	49	their	their	PRON
cblr-9983	760	50	capital	capital	NOUN
cblr-9983	760	51	adequacy	adequacy	NOUN
cblr-9983	760	52	and	and	CCONJ
cblr-9983	760	53	ability	ability	NOUN
cblr-9983	760	54	to	to	PART
cblr-9983	760	55	continue	continue	VERB
cblr-9983	760	56	to	to	PART
cblr-9983	760	57	operate	operate	VERB
cblr-9983	760	58	and	and	CCONJ
cblr-9983	760	59	remain	remain	VERB
cblr-9983	760	60	credit	credit	NOUN
cblr-9983	760	61	intermediaries	intermediary	NOUN
cblr-9983	760	62	during	during	ADP
cblr-9983	760	63	times	time	NOUN
cblr-9983	760	64	of	of	ADP
cblr-9983	760	65	economic	economic	ADJ
cblr-9983	760	66	and	and	CCONJ
cblr-9983	760	67	financial	financial	ADJ
cblr-9983	760	68	stress	stress	NOUN
cblr-9983	760	69	.	.	PUNCT
cblr-9983	761	1	the	the	DET
cblr-9983	761	2	final	final	ADJ
cblr-9983	761	3	rule	rule	NOUN
cblr-9983	761	4	is	be	AUX
cblr-9983	761	5	intended	intend	VERB
cblr-9983	761	6	to	to	PART
cblr-9983	761	7	address	address	VERB
cblr-9983	761	8	such	such	ADJ
cblr-9983	761	9	practices	practice	NOUN
cblr-9983	761	10	,	,	PUNCT
cblr-9983	761	11	building	build	VERB
cblr-9983	761	12	upon	upon	SCONJ
cblr-9983	761	13	the	the	DET
cblr-9983	761	14	federal	federal	PROPN
cblr-9983	761	15	reserve	reserve	PROPN
cblr-9983	761	16	’s	’s	PART
cblr-9983	761	17	existing	exist	VERB
cblr-9983	761	18	supervisory	supervisory	ADJ
cblr-9983	761	19	expectation	expectation	NOUN
cblr-9983	761	20	that	that	SCONJ
cblr-9983	761	21	large	large	ADJ
cblr-9983	761	22	bank	bank	NOUN
cblr-9983	761	23	holding	hold	VERB
cblr-9983	761	24	companies	company	NOUN
cblr-9983	761	25	have	have	AUX
cblr-9983	761	26	robust	robust	ADJ
cblr-9983	761	27	systems	system	NOUN
cblr-9983	761	28	and	and	CCONJ
cblr-9983	761	29	processes	process	NOUN
cblr-9983	761	30	that	that	PRON
cblr-9983	761	31	incorporate	incorporate	VERB
cblr-9983	761	32	forward	forward	ADV
cblr-9983	761	33	-	-	PUNCT
cblr-9983	761	34	looking	look	VERB
cblr-9983	761	35	projections	projection	NOUN
cblr-9983	761	36	of	of	ADP
cblr-9983	761	37	revenue	revenue	NOUN
cblr-9983	761	38	and	and	CCONJ
cblr-9983	761	39	losses	loss	NOUN
cblr-9983	761	40	to	to	PART
cblr-9983	761	41	monitor	monitor	VERB
cblr-9983	761	42	and	and	CCONJ
cblr-9983	761	43	maintain	maintain	VERB
cblr-9983	761	44	their	their	PRON
cblr-9983	761	45	internal	internal	ADJ
cblr-9983	761	46	capital	capital	NOUN
cblr-9983	761	47	adequacy	adequacy	NOUN
cblr-9983	761	48	.	.	PUNCT
cblr-9983	762	1	capital	capital	NOUN
cblr-9983	762	2	plans	plan	NOUN
cblr-9983	762	3	,	,	PUNCT
cblr-9983	762	4	76	76	NUM
cblr-9983	762	5	fed	fed	PROPN
cblr-9983	762	6	.	.	PUNCT
cblr-9983	763	1	reg	reg	PROPN
cblr-9983	763	2	.	.	PUNCT
cblr-9983	764	1	at	at	ADP
cblr-9983	764	2	74,632	74,632	NUM
cblr-9983	764	3	.	.	PUNCT
cblr-9983	765	1	no	no	INTJ
cblr-9983	765	2	.	.	PUNCT
cblr-9983	766	1	1:279	1:279	NOUN
cblr-9983	766	2	]	]	X
cblr-9983	766	3	bank	bank	NOUN
cblr-9983	766	4	supervision	supervision	NOUN
cblr-9983	766	5	and	and	CCONJ
cblr-9983	766	6	administrative	administrative	ADJ
cblr-9983	766	7	law	law	NOUN
cblr-9983	766	8	321	321	NUM
cblr-9983	766	9	capital	capital	NOUN
cblr-9983	766	10	on	on	ADP
cblr-9983	766	11	an	an	DET
cblr-9983	766	12	ongoing	ongoing	ADJ
cblr-9983	766	13	basis	basis	NOUN
cblr-9983	766	14	so	so	SCONJ
cblr-9983	766	15	that	that	SCONJ
cblr-9983	766	16	they	they	PRON
cblr-9983	766	17	would	would	AUX
cblr-9983	766	18	continue	continue	VERB
cblr-9983	766	19	to	to	PART
cblr-9983	766	20	meet	meet	VERB
cblr-9983	766	21	minimum	minimum	ADJ
cblr-9983	766	22	capital	capital	NOUN
cblr-9983	766	23	requirements	requirement	NOUN
cblr-9983	766	24	and	and	CCONJ
cblr-9983	766	25	remain	remain	VERB
cblr-9983	766	26	viable	viable	ADJ
cblr-9983	766	27	intermediaries	intermediary	NOUN
cblr-9983	766	28	even	even	ADV
cblr-9983	766	29	were	be	AUX
cblr-9983	766	30	the	the	DET
cblr-9983	766	31	hypothesized	hypothesized	ADJ
cblr-9983	766	32	stress	stress	NOUN
cblr-9983	766	33	and	and	CCONJ
cblr-9983	766	34	ensuing	ensue	VERB
cblr-9983	766	35	losses	loss	NOUN
cblr-9983	766	36	to	to	PART
cblr-9983	766	37	occur	occur	VERB
cblr-9983	766	38	.	.	PUNCT
cblr-9983	767	1	the	the	DET
cblr-9983	767	2	federal	federal	PROPN
cblr-9983	767	3	reserve	reserve	PROPN
cblr-9983	767	4	regulation	regulation	NOUN
cblr-9983	767	5	calls	call	VERB
cblr-9983	767	6	for	for	ADP
cblr-9983	767	7	the	the	DET
cblr-9983	767	8	calculation	calculation	NOUN
cblr-9983	767	9	of	of	ADP
cblr-9983	767	10	a	a	DET
cblr-9983	767	11	“	"	PUNCT
cblr-9983	767	12	stress	stress	ADJ
cblr-9983	767	13	capital	capital	NOUN
cblr-9983	767	14	buffer	buffer	NOUN
cblr-9983	767	15	”	"	PUNCT
cblr-9983	767	16	for	for	ADP
cblr-9983	767	17	each	each	DET
cblr-9983	767	18	bank	bank	NOUN
cblr-9983	767	19	,	,	PUNCT
cblr-9983	767	20	which	which	PRON
cblr-9983	767	21	reflects	reflect	VERB
cblr-9983	767	22	the	the	DET
cblr-9983	767	23	maximum	maximum	ADJ
cblr-9983	767	24	net	net	ADJ
cblr-9983	767	25	loss	loss	NOUN
cblr-9983	767	26	it	it	PRON
cblr-9983	767	27	could	could	AUX
cblr-9983	767	28	be	be	AUX
cblr-9983	767	29	expected	expect	VERB
cblr-9983	767	30	to	to	PART
cblr-9983	767	31	suffer	suffer	VERB
cblr-9983	767	32	during	during	ADP
cblr-9983	767	33	the	the	DET
cblr-9983	767	34	hypothesized	hypothesized	ADJ
cblr-9983	767	35	severely	severely	ADV
cblr-9983	767	36	adverse	adverse	ADJ
cblr-9983	767	37	scenario.117	scenario.117	NOUN
cblr-9983	767	38	in	in	ADP
cblr-9983	767	39	order	order	NOUN
cblr-9983	767	40	to	to	PART
cblr-9983	767	41	avoid	avoid	VERB
cblr-9983	767	42	restrictions	restriction	NOUN
cblr-9983	767	43	on	on	ADP
cblr-9983	767	44	its	its	PRON
cblr-9983	767	45	capital	capital	NOUN
cblr-9983	767	46	distributions	distribution	NOUN
cblr-9983	767	47	through	through	ADP
cblr-9983	767	48	the	the	DET
cblr-9983	767	49	period	period	NOUN
cblr-9983	767	50	covered	cover	VERB
cblr-9983	767	51	by	by	ADP
cblr-9983	767	52	that	that	DET
cblr-9983	767	53	stress	stress	NOUN
cblr-9983	767	54	test,118	test,118	PRON
cblr-9983	767	55	each	each	DET
cblr-9983	767	56	bank	bank	NOUN
cblr-9983	767	57	is	be	AUX
cblr-9983	767	58	required	require	VERB
cblr-9983	767	59	to	to	PART
cblr-9983	767	60	maintain	maintain	VERB
cblr-9983	767	61	its	its	PRON
cblr-9983	767	62	risk	risk	NOUN
cblr-9983	767	63	-	-	PUNCT
cblr-9983	767	64	weighted	weight	VERB
cblr-9983	767	65	capital	capital	NOUN
cblr-9983	767	66	levels	level	NOUN
cblr-9983	767	67	at	at	ADP
cblr-9983	767	68	or	or	CCONJ
cblr-9983	767	69	above	above	ADP
cblr-9983	767	70	the	the	DET
cblr-9983	767	71	sum	sum	NOUN
cblr-9983	767	72	of	of	ADP
cblr-9983	767	73	the	the	DET
cblr-9983	767	74	stress	stress	NOUN
cblr-9983	767	75	capital	capital	NOUN
cblr-9983	767	76	buffer	buffer	NOUN
cblr-9983	767	77	,	,	PUNCT
cblr-9983	767	78	minimum	minimum	ADJ
cblr-9983	767	79	regulatory	regulatory	ADJ
cblr-9983	767	80	requirements	requirement	NOUN
cblr-9983	767	81	,	,	PUNCT
cblr-9983	767	82	and	and	CCONJ
cblr-9983	767	83	any	any	DET
cblr-9983	767	84	other	other	ADJ
cblr-9983	767	85	applicable	applicable	ADJ
cblr-9983	767	86	buffers.119	buffers.119	NOUN
cblr-9983	767	87	in	in	ADP
cblr-9983	767	88	its	its	PRON
cblr-9983	767	89	annual	annual	ADJ
cblr-9983	767	90	process	process	NOUN
cblr-9983	767	91	,	,	PUNCT
cblr-9983	767	92	the	the	DET
cblr-9983	767	93	federal	federal	PROPN
cblr-9983	767	94	reserve	reserve	PROPN
cblr-9983	767	95	uses	use	VERB
cblr-9983	767	96	its	its	PRON
cblr-9983	767	97	own	own	ADJ
cblr-9983	767	98	supervisory	supervisory	ADJ
cblr-9983	767	99	stress	stress	NOUN
cblr-9983	767	100	testing	testing	NOUN
cblr-9983	767	101	model	model	NOUN
cblr-9983	767	102	to	to	PART
cblr-9983	767	103	project	project	VERB
cblr-9983	767	104	bank	bank	NOUN
cblr-9983	767	105	losses	loss	NOUN
cblr-9983	767	106	and	and	CCONJ
cblr-9983	767	107	revenues	revenue	NOUN
cblr-9983	767	108	under	under	ADP
cblr-9983	767	109	a	a	DET
cblr-9983	767	110	hypothetical	hypothetical	ADJ
cblr-9983	767	111	severely	severely	ADV
cblr-9983	767	112	adverse	adverse	ADJ
cblr-9983	767	113	scenario	scenario	NOUN
cblr-9983	767	114	.	.	PUNCT
cblr-9983	768	1	the	the	DET
cblr-9983	768	2	model	model	NOUN
cblr-9983	768	3	inputs	input	VERB
cblr-9983	768	4	the	the	DET
cblr-9983	768	5	details	detail	NOUN
cblr-9983	768	6	of	of	ADP
cblr-9983	768	7	each	each	DET
cblr-9983	768	8	bank	bank	NOUN
cblr-9983	768	9	’s	’s	PART
cblr-9983	768	10	balance	balance	NOUN
cblr-9983	768	11	sheet	sheet	NOUN
cblr-9983	768	12	and	and	CCONJ
cblr-9983	768	13	business	business	NOUN
cblr-9983	768	14	lines	line	NOUN
cblr-9983	768	15	to	to	PART
cblr-9983	768	16	determine	determine	VERB
cblr-9983	768	17	the	the	DET
cblr-9983	768	18	amount	amount	NOUN
cblr-9983	768	19	of	of	ADP
cblr-9983	768	20	equity	equity	NOUN
cblr-9983	768	21	capital	capital	NOUN
cblr-9983	768	22	that	that	PRON
cblr-9983	768	23	a	a	DET
cblr-9983	768	24	bank	bank	NOUN
cblr-9983	768	25	would	would	AUX
cblr-9983	768	26	need	need	VERB
cblr-9983	768	27	to	to	PART
cblr-9983	768	28	remain	remain	VERB
cblr-9983	768	29	adequately	adequately	ADV
cblr-9983	768	30	capitalized	capitalize	VERB
cblr-9983	768	31	even	even	ADV
cblr-9983	768	32	after	after	SCONJ
cblr-9983	768	33	the	the	DET
cblr-9983	768	34	hypothesized	hypothesized	ADJ
cblr-9983	768	35	scenario	scenario	NOUN
cblr-9983	768	36	has	have	AUX
cblr-9983	768	37	occurred	occur	VERB
cblr-9983	768	38	.	.	PUNCT
cblr-9983	769	1	shortly	shortly	ADV
cblr-9983	769	2	after	after	ADP
cblr-9983	769	3	completion	completion	NOUN
cblr-9983	769	4	of	of	ADP
cblr-9983	769	5	the	the	DET
cblr-9983	769	6	stress	stress	NOUN
cblr-9983	769	7	test	test	NOUN
cblr-9983	769	8	,	,	PUNCT
cblr-9983	769	9	the	the	DET
cblr-9983	769	10	federal	federal	PROPN
cblr-9983	769	11	reserve	reserve	PROPN
cblr-9983	769	12	provides	provide	VERB
cblr-9983	769	13	each	each	DET
cblr-9983	769	14	bank	bank	NOUN
cblr-9983	769	15	with	with	ADP
cblr-9983	769	16	a	a	DET
cblr-9983	769	17	notice	notice	NOUN
cblr-9983	769	18	and	and	CCONJ
cblr-9983	769	19	explanation	explanation	NOUN
cblr-9983	769	20	of	of	ADP
cblr-9983	769	21	its	its	PRON
cblr-9983	769	22	stress	stress	NOUN
cblr-9983	769	23	capital	capital	NOUN
cblr-9983	769	24	buffer.120	buffer.120	PROPN
cblr-9983	769	25	a	a	DET
cblr-9983	769	26	bank	bank	NOUN
cblr-9983	769	27	may	may	AUX
cblr-9983	769	28	request	request	VERB
cblr-9983	769	29	reconsideration	reconsideration	NOUN
cblr-9983	769	30	of	of	ADP
cblr-9983	769	31	the	the	DET
cblr-9983	769	32	buffer,121	buffer,121	NOUN
cblr-9983	769	33	in	in	ADP
cblr-9983	769	34	accordance	accordance	NOUN
cblr-9983	769	35	with	with	ADP
cblr-9983	769	36	117	117	NUM
cblr-9983	769	37	12	12	NUM
cblr-9983	769	38	c.f.r	c.f.r	NOUN
cblr-9983	769	39	.	.	PUNCT
cblr-9983	770	1	§	§	PROPN
cblr-9983	770	2	225.8	225.8	NUM
cblr-9983	770	3	(	(	PUNCT
cblr-9983	770	4	2021	2021	NUM
cblr-9983	770	5	)	)	PUNCT
cblr-9983	770	6	.	.	PUNCT
cblr-9983	771	1	118	118	NUM
cblr-9983	772	1	i	i	PROPN
cblr-9983	772	2	d.	d.	PROPN
cblr-9983	772	3	§	§	PROPN
cblr-9983	772	4	225.8(h)(2)(ii	225.8(h)(2)(ii	PROPN
cblr-9983	772	5	)	)	PUNCT
cblr-9983	773	1	(	(	PUNCT
cblr-9983	773	2	detailing	detail	VERB
cblr-9983	773	3	restrictions	restriction	NOUN
cblr-9983	773	4	)	)	PUNCT
cblr-9983	773	5	.	.	PUNCT
cblr-9983	774	1	119	119	NUM
cblr-9983	774	2	the	the	DET
cblr-9983	774	3	eight	eight	NUM
cblr-9983	774	4	systemically	systemically	ADV
cblr-9983	774	5	important	important	ADJ
cblr-9983	774	6	u.s	u.s	PROPN
cblr-9983	774	7	.	.	PROPN
cblr-9983	774	8	banks	bank	NOUN
cblr-9983	774	9	included	include	VERB
cblr-9983	774	10	in	in	ADP
cblr-9983	774	11	the	the	DET
cblr-9983	774	12	liscc	liscc	NOUN
cblr-9983	774	13	portfolio	portfolio	NOUN
cblr-9983	774	14	are	be	AUX
cblr-9983	774	15	each	each	DET
cblr-9983	774	16	assigned	assign	VERB
cblr-9983	774	17	capital	capital	NOUN
cblr-9983	774	18	surcharges	surcharge	NOUN
cblr-9983	774	19	,	,	PUNCT
cblr-9983	774	20	which	which	PRON
cblr-9983	774	21	are	be	AUX
cblr-9983	774	22	treated	treat	VERB
cblr-9983	774	23	as	as	ADP
cblr-9983	774	24	a	a	DET
cblr-9983	774	25	buffer	buffer	NOUN
cblr-9983	774	26	requirement	requirement	NOUN
cblr-9983	774	27	on	on	ADP
cblr-9983	774	28	top	top	NOUN
cblr-9983	774	29	of	of	ADP
cblr-9983	774	30	minimum	minimum	ADJ
cblr-9983	774	31	capital	capital	NOUN
cblr-9983	774	32	requirements	requirement	NOUN
cblr-9983	774	33	.	.	PUNCT
cblr-9983	775	1	12	12	NUM
cblr-9983	775	2	u.s.c	u.s.c	NOUN
cblr-9983	775	3	.	.	PUNCT
cblr-9983	776	1	§	§	PROPN
cblr-9983	776	2	225.8	225.8	NUM
cblr-9983	776	3	(	(	PUNCT
cblr-9983	776	4	2018	2018	NUM
cblr-9983	776	5	)	)	PUNCT
cblr-9983	776	6	.	.	PUNCT
cblr-9983	777	1	the	the	DET
cblr-9983	777	2	federal	federal	PROPN
cblr-9983	777	3	reserve	reserve	PROPN
cblr-9983	777	4	also	also	ADV
cblr-9983	777	5	has	have	VERB
cblr-9983	777	6	authority	authority	NOUN
cblr-9983	777	7	to	to	PART
cblr-9983	777	8	impose	impose	VERB
cblr-9983	777	9	a	a	DET
cblr-9983	777	10	“	"	PUNCT
cblr-9983	777	11	countercyclical	countercyclical	ADJ
cblr-9983	777	12	capital	capital	NOUN
cblr-9983	777	13	buffer	buffer	NOUN
cblr-9983	777	14	”	"	PUNCT
cblr-9983	777	15	on	on	ADP
cblr-9983	777	16	large	large	ADJ
cblr-9983	777	17	banks	bank	NOUN
cblr-9983	777	18	,	,	PUNCT
cblr-9983	777	19	though	though	SCONJ
cblr-9983	777	20	to	to	PART
cblr-9983	777	21	date	date	NOUN
cblr-9983	777	22	it	it	PRON
cblr-9983	777	23	has	have	AUX
cblr-9983	777	24	not	not	PART
cblr-9983	777	25	done	do	VERB
cblr-9983	777	26	so	so	ADV
cblr-9983	777	27	.	.	PUNCT
cblr-9983	778	1	all	all	DET
cblr-9983	778	2	buffer	buffer	NOUN
cblr-9983	778	3	requirements	requirement	NOUN
cblr-9983	778	4	are	be	AUX
cblr-9983	778	5	added	add	VERB
cblr-9983	778	6	together	together	ADV
cblr-9983	778	7	and	and	CCONJ
cblr-9983	778	8	then	then	ADV
cblr-9983	778	9	added	add	VERB
cblr-9983	778	10	to	to	ADP
cblr-9983	778	11	the	the	DET
cblr-9983	778	12	applicable	applicable	ADJ
cblr-9983	778	13	minimum	minimum	ADJ
cblr-9983	778	14	common	common	ADJ
cblr-9983	778	15	equity	equity	NOUN
cblr-9983	778	16	requirement	requirement	NOUN
cblr-9983	778	17	of	of	ADP
cblr-9983	778	18	4.5	4.5	NUM
cblr-9983	778	19	%	%	NOUN
cblr-9983	778	20	on	on	ADP
cblr-9983	778	21	a	a	DET
cblr-9983	778	22	risk	risk	NOUN
cblr-9983	778	23	-	-	PUNCT
cblr-9983	778	24	weighted	weight	VERB
cblr-9983	778	25	basis	basis	NOUN
cblr-9983	778	26	.	.	PUNCT
cblr-9983	779	1	12	12	NUM
cblr-9983	779	2	c.f.r	c.f.r	NOUN
cblr-9983	779	3	.	.	PUNCT
cblr-9983	780	1	§	§	PROPN
cblr-9983	780	2	225.8	225.8	NUM
cblr-9983	780	3	§	§	PROPN
cblr-9983	780	4	217.11(c	217.11(c	NUM
cblr-9983	780	5	)	)	PUNCT
cblr-9983	780	6	.	.	PUNCT
cblr-9983	781	1	so	so	ADV
cblr-9983	781	2	,	,	PUNCT
cblr-9983	781	3	for	for	ADP
cblr-9983	781	4	example	example	NOUN
cblr-9983	781	5	,	,	PUNCT
cblr-9983	781	6	a	a	DET
cblr-9983	781	7	systemically	systemically	ADV
cblr-9983	781	8	important	important	ADJ
cblr-9983	781	9	bank	bank	NOUN
cblr-9983	781	10	with	with	ADP
cblr-9983	781	11	a	a	DET
cblr-9983	781	12	surcharge	surcharge	NOUN
cblr-9983	781	13	of	of	ADP
cblr-9983	781	14	2	2	NUM
cblr-9983	781	15	%	%	NOUN
cblr-9983	781	16	and	and	CCONJ
cblr-9983	781	17	a	a	DET
cblr-9983	781	18	stress	stress	NOUN
cblr-9983	781	19	capital	capital	NOUN
cblr-9983	781	20	buffer	buffer	NOUN
cblr-9983	781	21	of	of	ADP
cblr-9983	781	22	3.5	3.5	NUM
cblr-9983	781	23	%	%	NOUN
cblr-9983	781	24	of	of	ADP
cblr-9983	781	25	risk	risk	NOUN
cblr-9983	781	26	-	-	PUNCT
cblr-9983	781	27	weighted	weight	VERB
cblr-9983	781	28	assets	asset	NOUN
cblr-9983	781	29	would	would	AUX
cblr-9983	781	30	have	have	VERB
cblr-9983	781	31	to	to	PART
cblr-9983	781	32	begin	begin	VERB
cblr-9983	781	33	restricting	restrict	VERB
cblr-9983	781	34	capital	capital	NOUN
cblr-9983	781	35	distributions	distribution	NOUN
cblr-9983	781	36	if	if	SCONJ
cblr-9983	781	37	its	its	PRON
cblr-9983	781	38	common	common	ADJ
cblr-9983	781	39	equity	equity	NOUN
cblr-9983	781	40	capital	capital	NOUN
cblr-9983	781	41	level	level	NOUN
cblr-9983	781	42	fell	fall	VERB
cblr-9983	781	43	below	below	ADP
cblr-9983	781	44	10	10	NUM
cblr-9983	781	45	%	%	NOUN
cblr-9983	781	46	(	(	PUNCT
cblr-9983	781	47	4.5	4.5	NUM
cblr-9983	781	48	+	+	NUM
cblr-9983	781	49	2	2	NUM
cblr-9983	781	50	+	+	NUM
cblr-9983	781	51	3.5	3.5	NUM
cblr-9983	781	52	)	)	PUNCT
cblr-9983	781	53	.	.	PUNCT
cblr-9983	782	1	120	120	NUM
cblr-9983	783	1	i	i	PROPN
cblr-9983	783	2	d.	d.	PROPN
cblr-9983	783	3	§	§	PROPN
cblr-9983	783	4	225.8(h)(1	225.8(h)(1	NUM
cblr-9983	783	5	)	)	PUNCT
cblr-9983	783	6	.	.	PUNCT
cblr-9983	784	1	121	121	NUM
cblr-9983	785	1	i	i	PRON
cblr-9983	785	2	d.	d.	PROPN
cblr-9983	785	3	§	§	PROPN
cblr-9983	785	4	225.8(h)(2	225.8(h)(2	NUM
cblr-9983	785	5	)	)	PUNCT
cblr-9983	785	6	.	.	PUNCT
cblr-9983	786	1	322	322	NUM
cblr-9983	786	2	columbia	columbia	PROPN
cblr-9983	786	3	business	business	NOUN
cblr-9983	786	4	law	law	PROPN
cblr-9983	786	5	review	review	NOUN
cblr-9983	786	6	[	[	X
cblr-9983	786	7	vol	vol	NOUN
cblr-9983	786	8	.	.	PUNCT
cblr-9983	787	1	2022	2022	NUM
cblr-9983	787	2	procedures	procedure	NOUN
cblr-9983	787	3	laid	lay	VERB
cblr-9983	787	4	out	out	ADP
cblr-9983	787	5	in	in	ADP
cblr-9983	787	6	board	board	NOUN
cblr-9983	787	7	regulations.122	regulations.122	NOUN
cblr-9983	787	8	where	where	SCONJ
cblr-9983	787	9	reconsideration	reconsideration	NOUN
cblr-9983	787	10	is	be	AUX
cblr-9983	787	11	requested	request	VERB
cblr-9983	787	12	,	,	PUNCT
cblr-9983	787	13	the	the	DET
cblr-9983	787	14	tentative	tentative	ADJ
cblr-9983	787	15	stress	stress	NOUN
cblr-9983	787	16	capital	capital	NOUN
cblr-9983	787	17	buffer	buffer	NOUN
cblr-9983	787	18	is	be	AUX
cblr-9983	787	19	reviewed	review	VERB
cblr-9983	787	20	by	by	ADP
cblr-9983	787	21	a	a	DET
cblr-9983	787	22	group	group	NOUN
cblr-9983	787	23	of	of	ADP
cblr-9983	787	24	federal	federal	PROPN
cblr-9983	787	25	reserve	reserve	PROPN
cblr-9983	787	26	experts	expert	NOUN
cblr-9983	787	27	independent	independent	ADJ
cblr-9983	787	28	of	of	ADP
cblr-9983	787	29	those	those	PRON
cblr-9983	787	30	who	who	PRON
cblr-9983	787	31	originally	originally	ADV
cblr-9983	787	32	conducted	conduct	VERB
cblr-9983	787	33	the	the	DET
cblr-9983	787	34	stress	stress	NOUN
cblr-9983	787	35	test.123	test.123	NOUN
cblr-9983	787	36	except	except	SCONJ
cblr-9983	787	37	in	in	ADP
cblr-9983	787	38	unusual	unusual	ADJ
cblr-9983	787	39	circumstances	circumstance	NOUN
cblr-9983	787	40	,	,	PUNCT
cblr-9983	787	41	each	each	DET
cblr-9983	787	42	bank	bank	NOUN
cblr-9983	787	43	is	be	AUX
cblr-9983	787	44	to	to	PART
cblr-9983	787	45	be	be	AUX
cblr-9983	787	46	notified	notify	VERB
cblr-9983	787	47	by	by	ADP
cblr-9983	787	48	august	august	PROPN
cblr-9983	787	49	31	31	NUM
cblr-9983	787	50	of	of	ADP
cblr-9983	787	51	its	its	PRON
cblr-9983	787	52	final	final	ADJ
cblr-9983	787	53	stress	stress	NOUN
cblr-9983	787	54	capital	capital	NOUN
cblr-9983	787	55	buffer,124	buffer,124	PROPN
cblr-9983	787	56	which	which	PRON
cblr-9983	787	57	then	then	ADV
cblr-9983	787	58	becomes	become	VERB
cblr-9983	787	59	effective	effective	ADJ
cblr-9983	787	60	on	on	ADP
cblr-9983	787	61	october	october	PROPN
cblr-9983	787	62	1.125	1.125	NUM
cblr-9983	787	63	while	while	SCONJ
cblr-9983	787	64	the	the	DET
cblr-9983	787	65	federal	federal	PROPN
cblr-9983	787	66	reserve	reserve	PROPN
cblr-9983	787	67	did	do	AUX
cblr-9983	787	68	provide	provide	VERB
cblr-9983	787	69	some	some	DET
cblr-9983	787	70	information	information	NOUN
cblr-9983	787	71	on	on	ADP
cblr-9983	787	72	its	its	PRON
cblr-9983	787	73	supervisory	supervisory	ADJ
cblr-9983	787	74	economic	economic	ADJ
cblr-9983	787	75	model	model	NOUN
cblr-9983	787	76	,	,	PUNCT
cblr-9983	787	77	its	its	PRON
cblr-9983	787	78	initial	initial	ADJ
cblr-9983	787	79	position	position	NOUN
cblr-9983	787	80	was	be	AUX
cblr-9983	787	81	that	that	SCONJ
cblr-9983	787	82	releasing	release	VERB
cblr-9983	787	83	detailed	detailed	ADJ
cblr-9983	787	84	information	information	NOUN
cblr-9983	787	85	on	on	ADP
cblr-9983	787	86	the	the	DET
cblr-9983	787	87	model	model	NOUN
cblr-9983	787	88	code	code	NOUN
cblr-9983	787	89	would	would	AUX
cblr-9983	787	90	enable	enable	VERB
cblr-9983	787	91	banks	bank	NOUN
cblr-9983	787	92	to	to	PART
cblr-9983	787	93	adjust	adjust	VERB
cblr-9983	787	94	the	the	DET
cblr-9983	787	95	risk	risk	NOUN
cblr-9983	787	96	profile	profile	NOUN
cblr-9983	787	97	of	of	ADP
cblr-9983	787	98	assets	asset	NOUN
cblr-9983	787	99	so	so	SCONJ
cblr-9983	787	100	that	that	SCONJ
cblr-9983	787	101	they	they	PRON
cblr-9983	787	102	are	be	AUX
cblr-9983	787	103	disproportionately	disproportionately	ADV
cblr-9983	787	104	concentrated	concentrate	VERB
cblr-9983	787	105	right	right	ADV
cblr-9983	787	106	below	below	ADP
cblr-9983	787	107	thresholds	threshold	NOUN
cblr-9983	787	108	in	in	ADP
cblr-9983	787	109	the	the	DET
cblr-9983	787	110	model	model	NOUN
cblr-9983	787	111	that	that	PRON
cblr-9983	787	112	would	would	AUX
cblr-9983	787	113	trigger	trigger	VERB
cblr-9983	787	114	a	a	DET
cblr-9983	787	115	higher	high	ADJ
cblr-9983	787	116	loss	loss	NOUN
cblr-9983	787	117	function.126	function.126	NOUN
cblr-9983	787	118	it	it	PRON
cblr-9983	787	119	has	have	AUX
cblr-9983	787	120	always	always	ADV
cblr-9983	787	121	disclosed	disclose	VERB
cblr-9983	787	122	the	the	DET
cblr-9983	787	123	results	result	NOUN
cblr-9983	787	124	of	of	ADP
cblr-9983	787	125	its	its	PRON
cblr-9983	787	126	stress	stress	NOUN
cblr-9983	787	127	tests	test	NOUN
cblr-9983	787	128	on	on	ADP
cblr-9983	787	129	a	a	DET
cblr-9983	787	130	bankspecific	bankspecific	ADJ
cblr-9983	787	131	basis	basis	NOUN
cblr-9983	787	132	,	,	PUNCT
cblr-9983	787	133	including	include	VERB
cblr-9983	787	134	loss	loss	NOUN
cblr-9983	787	135	rates	rate	NOUN
cblr-9983	787	136	for	for	ADP
cblr-9983	787	137	broad	broad	ADJ
cblr-9983	787	138	categories	category	NOUN
cblr-9983	787	139	of	of	ADP
cblr-9983	787	140	assets	asset	NOUN
cblr-9983	787	141	and	and	CCONJ
cblr-9983	787	142	anticipated	anticipate	VERB
cblr-9983	787	143	revenues	revenue	NOUN
cblr-9983	787	144	during	during	ADP
cblr-9983	787	145	the	the	DET
cblr-9983	787	146	stress	stress	NOUN
cblr-9983	787	147	period.127	period.127	PROPN
cblr-9983	787	148	banks	bank	NOUN
cblr-9983	787	149	and	and	CCONJ
cblr-9983	787	150	outside	outside	ADJ
cblr-9983	787	151	analysts	analyst	NOUN
cblr-9983	787	152	can	can	AUX
cblr-9983	787	153	thus	thus	ADV
cblr-9983	787	154	approximate	approximate	VERB
cblr-9983	787	155	the	the	DET
cblr-9983	787	156	supervisory	supervisory	ADJ
cblr-9983	787	157	model	model	NOUN
cblr-9983	787	158	’s	’s	PART
cblr-9983	787	159	loss	loss	NOUN
cblr-9983	787	160	functions	function	NOUN
cblr-9983	787	161	for	for	ADP
cblr-9983	787	162	particular	particular	ADJ
cblr-9983	787	163	asset	asset	NOUN
cblr-9983	787	164	classes	class	NOUN
cblr-9983	787	165	.	.	PUNCT
cblr-9983	788	1	but	but	CCONJ
cblr-9983	788	2	without	without	ADP
cblr-9983	788	3	the	the	DET
cblr-9983	788	4	model	model	NOUN
cblr-9983	788	5	code	code	NOUN
cblr-9983	788	6	(	(	PUNCT
cblr-9983	788	7	or	or	CCONJ
cblr-9983	788	8	something	something	PRON
cblr-9983	788	9	close	close	ADJ
cblr-9983	788	10	to	to	ADP
cblr-9983	788	11	it	it	PRON
cblr-9983	788	12	)	)	PUNCT
cblr-9983	788	13	,	,	PUNCT
cblr-9983	788	14	it	it	PRON
cblr-9983	788	15	is	be	AUX
cblr-9983	788	16	difficult	difficult	ADJ
cblr-9983	788	17	to	to	PART
cblr-9983	788	18	determine	determine	VERB
cblr-9983	788	19	precisely	precisely	ADV
cblr-9983	788	20	which	which	DET
cblr-9983	788	21	attributes	attribute	NOUN
cblr-9983	788	22	of	of	ADP
cblr-9983	788	23	a	a	DET
cblr-9983	788	24	specific	specific	ADJ
cblr-9983	788	25	asset	asset	NOUN
cblr-9983	788	26	led	lead	VERB
cblr-9983	788	27	to	to	ADP
cblr-9983	788	28	its	its	PRON
cblr-9983	788	29	inclusion	inclusion	NOUN
cblr-9983	788	30	in	in	ADP
cblr-9983	788	31	one	one	NUM
cblr-9983	788	32	loss	loss	NOUN
cblr-9983	788	33	function	function	NOUN
cblr-9983	788	34	rather	rather	ADV
cblr-9983	788	35	than	than	ADP
cblr-9983	788	36	122	122	NUM
cblr-9983	788	37	i	i	PROPN
cblr-9983	788	38	d.	d.	PROPN
cblr-9983	788	39	§	§	PROPN
cblr-9983	788	40	225.8(j	225.8(j	PROPN
cblr-9983	788	41	)	)	PUNCT
cblr-9983	788	42	.	.	PUNCT
cblr-9983	789	1	123	123	NUM
cblr-9983	789	2	see	see	VERB
cblr-9983	789	3	press	press	NOUN
cblr-9983	789	4	release	release	NOUN
cblr-9983	789	5	,	,	PUNCT
cblr-9983	789	6	bd	bd	PROPN
cblr-9983	789	7	.	.	PROPN
cblr-9983	789	8	governors	governors	PROPN
cblr-9983	789	9	fed	fed	PROPN
cblr-9983	789	10	.	.	PUNCT
cblr-9983	789	11	rsrv	rsrv	PROPN
cblr-9983	789	12	.	.	PUNCT
cblr-9983	790	1	sys	sys	PROPN
cblr-9983	790	2	.	.	PROPN
cblr-9983	790	3	,	,	PUNCT
cblr-9983	790	4	federal	federal	PROPN
cblr-9983	790	5	reserve	reserve	PROPN
cblr-9983	790	6	board	board	PROPN
cblr-9983	790	7	announces	announce	VERB
cblr-9983	790	8	large	large	ADJ
cblr-9983	790	9	bank	bank	NOUN
cblr-9983	790	10	capital	capital	NOUN
cblr-9983	790	11	requirements	requirement	NOUN
cblr-9983	790	12	,	,	PUNCT
cblr-9983	790	13	which	which	PRON
cblr-9983	790	14	will	will	AUX
cblr-9983	790	15	be	be	AUX
cblr-9983	790	16	effective	effective	ADJ
cblr-9983	790	17	october	october	PROPN
cblr-9983	790	18	1	1	NUM
cblr-9983	790	19	(	(	PUNCT
cblr-9983	790	20	aug	aug	PROPN
cblr-9983	790	21	.	.	PROPN
cblr-9983	790	22	10	10	NUM
cblr-9983	790	23	,	,	PUNCT
cblr-9983	790	24	2020	2020	NUM
cblr-9983	790	25	)	)	PUNCT
cblr-9983	790	26	,	,	PUNCT
cblr-9983	790	27	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20200810a	https://www.federalreserve.gov/newsevents/pressreleases/bcreg20200810a	PROPN
cblr-9983	791	1	.	.	PUNCT
cblr-9983	791	2	htm	htm	PROPN
cblr-9983	792	1	[	[	X
cblr-9983	792	2	https://perma.cc/q2dq-jxat	https://perma.cc/q2dq-jxat	X
cblr-9983	792	3	]	]	X
cblr-9983	792	4	.	.	PUNCT
cblr-9983	793	1	124	124	NUM
cblr-9983	793	2	12	12	NUM
cblr-9983	793	3	c.f.r	c.f.r	NOUN
cblr-9983	793	4	.	.	PUNCT
cblr-9983	794	1	§	§	PROPN
cblr-9983	794	2	225.8(h)(4)(i	225.8(h)(4)(i	NUM
cblr-9983	794	3	)	)	PUNCT
cblr-9983	794	4	(	(	PUNCT
cblr-9983	794	5	2021	2021	NUM
cblr-9983	794	6	)	)	PUNCT
cblr-9983	794	7	.	.	PUNCT
cblr-9983	795	1	125	125	NUM
cblr-9983	796	1	i	i	PROPN
cblr-9983	796	2	d.	d.	PROPN
cblr-9983	796	3	§	§	PROPN
cblr-9983	796	4	225.8(h)(4)(ii	225.8(h)(4)(ii	PROPN
cblr-9983	796	5	)	)	PUNCT
cblr-9983	796	6	.	.	PUNCT
cblr-9983	797	1	126	126	NUM
cblr-9983	797	2	daniel	daniel	PROPN
cblr-9983	797	3	k.	k.	PROPN
cblr-9983	797	4	tarullo	tarullo	PROPN
cblr-9983	797	5	,	,	PUNCT
cblr-9983	797	6	governor	governor	NOUN
cblr-9983	797	7	,	,	PUNCT
cblr-9983	797	8	fed	fed	PROPN
cblr-9983	797	9	.	.	PUNCT
cblr-9983	797	10	rsrv	rsrv	PROPN
cblr-9983	797	11	.	.	PUNCT
cblr-9983	798	1	,	,	PUNCT
cblr-9983	798	2	speech	speech	NOUN
cblr-9983	798	3	at	at	ADP
cblr-9983	798	4	the	the	DET
cblr-9983	798	5	yale	yale	PROPN
cblr-9983	798	6	university	university	PROPN
cblr-9983	798	7	school	school	NOUN
cblr-9983	798	8	of	of	ADP
cblr-9983	798	9	management	management	NOUN
cblr-9983	798	10	leaders	leader	NOUN
cblr-9983	798	11	forum	forum	VERB
cblr-9983	798	12	:	:	PUNCT
cblr-9983	798	13	next	next	ADJ
cblr-9983	798	14	steps	step	NOUN
cblr-9983	798	15	in	in	ADP
cblr-9983	798	16	the	the	DET
cblr-9983	798	17	evolution	evolution	NOUN
cblr-9983	798	18	of	of	ADP
cblr-9983	798	19	stress	stress	NOUN
cblr-9983	798	20	testing	testing	NOUN
cblr-9983	798	21	(	(	PUNCT
cblr-9983	798	22	sept	sept	PROPN
cblr-9983	798	23	.	.	PROPN
cblr-9983	798	24	26	26	NUM
cblr-9983	798	25	,	,	PUNCT
cblr-9983	798	26	2016	2016	NUM
cblr-9983	798	27	)	)	PUNCT
cblr-9983	798	28	,	,	PUNCT
cblr-9983	799	1	https://www.federalreserve.gov/newsevents/speech/tarullo20160926a.htm	https://www.federalreserve.gov/newsevents/speech/tarullo20160926a.htm	PROPN
cblr-9983	799	2	[	[	X
cblr-9983	799	3	https://perma.cc/na44-fnlc	https://perma.cc/na44-fnlc	X
cblr-9983	799	4	]	]	X
cblr-9983	799	5	(	(	PUNCT
cblr-9983	799	6	“	"	PUNCT
cblr-9983	799	7	full	full	ADJ
cblr-9983	799	8	disclosure	disclosure	NOUN
cblr-9983	799	9	would	would	AUX
cblr-9983	799	10	permit	permit	VERB
cblr-9983	799	11	firms	firm	NOUN
cblr-9983	799	12	to	to	PART
cblr-9983	799	13	game	game	VERB
cblr-9983	799	14	the	the	DET
cblr-9983	799	15	system	system	NOUN
cblr-9983	799	16	—	—	PUNCT
cblr-9983	799	17	that	that	ADV
cblr-9983	799	18	is	is	ADV
cblr-9983	799	19	,	,	PUNCT
cblr-9983	799	20	to	to	PART
cblr-9983	799	21	optimize	optimize	VERB
cblr-9983	799	22	portfolio	portfolio	NOUN
cblr-9983	799	23	characteristics	characteristic	NOUN
cblr-9983	799	24	based	base	VERB
cblr-9983	799	25	on	on	ADP
cblr-9983	799	26	the	the	DET
cblr-9983	799	27	parameters	parameter	NOUN
cblr-9983	799	28	of	of	ADP
cblr-9983	799	29	the	the	DET
cblr-9983	799	30	model	model	NOUN
cblr-9983	799	31	and	and	CCONJ
cblr-9983	799	32	take	take	VERB
cblr-9983	799	33	risks	risk	NOUN
cblr-9983	799	34	in	in	ADP
cblr-9983	799	35	areas	area	NOUN
cblr-9983	799	36	not	not	PART
cblr-9983	799	37	well	well	ADV
cblr-9983	799	38	-	-	PUNCT
cblr-9983	799	39	captured	capture	VERB
cblr-9983	799	40	by	by	ADP
cblr-9983	799	41	the	the	DET
cblr-9983	799	42	stress	stress	NOUN
cblr-9983	799	43	test	test	NOUN
cblr-9983	799	44	just	just	ADV
cblr-9983	799	45	to	to	PART
cblr-9983	799	46	minimize	minimize	VERB
cblr-9983	799	47	the	the	DET
cblr-9983	799	48	estimated	estimate	VERB
cblr-9983	799	49	stress	stress	NOUN
cblr-9983	799	50	losses	loss	NOUN
cblr-9983	799	51	.	.	PUNCT
cblr-9983	799	52	”	"	PUNCT
cblr-9983	799	53	)	)	PUNCT
cblr-9983	799	54	.	.	PUNCT
cblr-9983	800	1	127	127	NUM
cblr-9983	800	2	the	the	DET
cblr-9983	800	3	most	most	ADV
cblr-9983	800	4	recent	recent	ADJ
cblr-9983	800	5	results	result	NOUN
cblr-9983	800	6	are	be	AUX
cblr-9983	800	7	presented	present	VERB
cblr-9983	800	8	in	in	ADP
cblr-9983	800	9	bd	bd	PROPN
cblr-9983	800	10	.	.	PROPN
cblr-9983	800	11	of	of	ADP
cblr-9983	800	12	governors	governor	NOUN
cblr-9983	800	13	of	of	ADP
cblr-9983	800	14	the	the	DET
cblr-9983	800	15	fed	fed	PROPN
cblr-9983	800	16	.	.	PUNCT
cblr-9983	801	1	rsrv	rsrv	PROPN
cblr-9983	801	2	.	.	PUNCT
cblr-9983	802	1	sys	sys	PROPN
cblr-9983	802	2	.	.	PROPN
cblr-9983	802	3	,	,	PUNCT
cblr-9983	802	4	dodd	dodd	PROPN
cblr-9983	802	5	-	-	PUNCT
cblr-9983	802	6	frank	frank	PROPN
cblr-9983	802	7	act	act	PROPN
cblr-9983	802	8	stress	stress	NOUN
cblr-9983	802	9	test	test	NOUN
cblr-9983	802	10	2020	2020	NUM
cblr-9983	802	11	:	:	PUNCT
cblr-9983	802	12	supervisory	supervisory	ADJ
cblr-9983	802	13	stress	stress	NOUN
cblr-9983	802	14	test	test	NOUN
cblr-9983	802	15	results	result	NOUN
cblr-9983	802	16	,	,	PUNCT
cblr-9983	802	17	supra	supra	PROPN
cblr-9983	802	18	note	note	NOUN
cblr-9983	802	19	109	109	NUM
cblr-9983	802	20	,	,	PUNCT
cblr-9983	802	21	at	at	ADP
cblr-9983	802	22	27–42	27–42	NUM
cblr-9983	802	23	.	.	PUNCT
cblr-9983	803	1	no	no	INTJ
cblr-9983	803	2	.	.	PUNCT
cblr-9983	804	1	1:279	1:279	NOUN
cblr-9983	804	2	]	]	X
cblr-9983	804	3	bank	bank	NOUN
cblr-9983	804	4	supervision	supervision	NOUN
cblr-9983	804	5	and	and	CCONJ
cblr-9983	804	6	administrative	administrative	ADJ
cblr-9983	804	7	law	law	NOUN
cblr-9983	804	8	323	323	NUM
cblr-9983	804	9	another.128	another.128	NOUN
cblr-9983	804	10	following	follow	VERB
cblr-9983	804	11	the	the	DET
cblr-9983	804	12	appointment	appointment	NOUN
cblr-9983	804	13	by	by	ADP
cblr-9983	804	14	president	president	PROPN
cblr-9983	804	15	trump	trump	NOUN
cblr-9983	804	16	of	of	ADP
cblr-9983	804	17	a	a	DET
cblr-9983	804	18	new	new	ADJ
cblr-9983	804	19	chair	chair	NOUN
cblr-9983	804	20	and	and	CCONJ
cblr-9983	804	21	vice	vice	NOUN
cblr-9983	804	22	chair	chair	NOUN
cblr-9983	804	23	for	for	ADP
cblr-9983	804	24	supervision	supervision	NOUN
cblr-9983	804	25	,	,	PUNCT
cblr-9983	804	26	the	the	DET
cblr-9983	804	27	federal	federal	PROPN
cblr-9983	804	28	reserve	reserve	PROPN
cblr-9983	804	29	released	release	VERB
cblr-9983	804	30	substantially	substantially	ADV
cblr-9983	804	31	more	more	ADJ
cblr-9983	804	32	information	information	NOUN
cblr-9983	804	33	on	on	ADP
cblr-9983	804	34	the	the	DET
cblr-9983	804	35	models.129	models.129	PROPN
cblr-9983	804	36	the	the	DET
cblr-9983	804	37	federal	federal	PROPN
cblr-9983	804	38	reserve	reserve	PROPN
cblr-9983	804	39	also	also	ADV
cblr-9983	804	40	adopted	adopt	VERB
cblr-9983	804	41	a	a	DET
cblr-9983	804	42	rule	rule	NOUN
cblr-9983	804	43	explaining	explain	VERB
cblr-9983	804	44	how	how	SCONJ
cblr-9983	804	45	it	it	PRON
cblr-9983	804	46	approaches	approach	VERB
cblr-9983	804	47	scenario	scenario	NOUN
cblr-9983	804	48	development.130	development.130	PROPN
cblr-9983	804	49	it	it	PRON
cblr-9983	804	50	releases	release	VERB
cblr-9983	804	51	the	the	DET
cblr-9983	804	52	details	detail	NOUN
cblr-9983	804	53	of	of	ADP
cblr-9983	804	54	its	its	PRON
cblr-9983	804	55	stress	stress	NOUN
cblr-9983	804	56	scenarios	scenario	NOUN
cblr-9983	804	57	,	,	PUNCT
cblr-9983	804	58	though	though	SCONJ
cblr-9983	804	59	only	only	ADV
cblr-9983	804	60	shortly	shortly	ADV
cblr-9983	804	61	before	before	SCONJ
cblr-9983	804	62	the	the	DET
cblr-9983	804	63	test	test	NOUN
cblr-9983	804	64	is	be	AUX
cblr-9983	804	65	run	run	VERB
cblr-9983	804	66	on	on	ADP
cblr-9983	804	67	the	the	DET
cblr-9983	804	68	bank	bank	NOUN
cblr-9983	804	69	balance	balance	NOUN
cblr-9983	804	70	sheets	sheet	NOUN
cblr-9983	804	71	as	as	SCONJ
cblr-9983	804	72	they	they	PRON
cblr-9983	804	73	stood	stand	VERB
cblr-9983	804	74	at	at	ADP
cblr-9983	804	75	some	some	DET
cblr-9983	804	76	point	point	NOUN
cblr-9983	804	77	in	in	ADP
cblr-9983	804	78	the	the	DET
cblr-9983	804	79	preceding	precede	VERB
cblr-9983	804	80	quarter.131	quarter.131	NOUN
cblr-9983	804	81	this	this	DET
cblr-9983	804	82	timing	timing	NOUN
cblr-9983	804	83	does	do	AUX
cblr-9983	804	84	not	not	PART
cblr-9983	804	85	permit	permit	VERB
cblr-9983	804	86	banks	bank	NOUN
cblr-9983	804	87	to	to	PART
cblr-9983	804	88	adjust	adjust	VERB
cblr-9983	804	89	their	their	PRON
cblr-9983	804	90	balance	balance	NOUN
cblr-9983	804	91	sheets	sheet	NOUN
cblr-9983	804	92	to	to	PART
cblr-9983	804	93	respond	respond	VERB
cblr-9983	804	94	to	to	ADP
cblr-9983	804	95	the	the	DET
cblr-9983	804	96	scenario	scenario	NOUN
cblr-9983	804	97	.	.	PUNCT
cblr-9983	805	1	while	while	SCONJ
cblr-9983	805	2	there	there	PRON
cblr-9983	805	3	is	be	VERB
cblr-9983	805	4	considerable	considerable	ADJ
cblr-9983	805	5	continuity	continuity	NOUN
cblr-9983	805	6	in	in	ADP
cblr-9983	805	7	the	the	DET
cblr-9983	805	8	nature	nature	NOUN
cblr-9983	805	9	of	of	ADP
cblr-9983	805	10	a	a	DET
cblr-9983	805	11	severe	severe	ADJ
cblr-9983	805	12	recession	recession	NOUN
cblr-9983	805	13	,	,	PUNCT
cblr-9983	805	14	the	the	DET
cblr-9983	805	15	accompanying	accompanying	ADJ
cblr-9983	805	16	idiosyncratic	idiosyncratic	ADJ
cblr-9983	805	17	features	feature	NOUN
cblr-9983	805	18	of	of	ADP
cblr-9983	805	19	the	the	DET
cblr-9983	805	20	scenario	scenario	NOUN
cblr-9983	805	21	and	and	CCONJ
cblr-9983	805	22	a	a	DET
cblr-9983	805	23	hypothesized	hypothesized	ADJ
cblr-9983	805	24	shock	shock	NOUN
cblr-9983	805	25	to	to	ADP
cblr-9983	805	26	traded	trade	VERB
cblr-9983	805	27	asset	asset	NOUN
cblr-9983	805	28	prices	price	NOUN
cblr-9983	805	29	may	may	AUX
cblr-9983	805	30	be	be	AUX
cblr-9983	805	31	changed	change	VERB
cblr-9983	805	32	from	from	ADP
cblr-9983	805	33	year	year	NOUN
cblr-9983	805	34	to	to	ADP
cblr-9983	805	35	year	year	NOUN
cblr-9983	805	36	to	to	PART
cblr-9983	805	37	reflect	reflect	VERB
cblr-9983	805	38	both	both	CCONJ
cblr-9983	805	39	the	the	DET
cblr-9983	805	40	range	range	NOUN
cblr-9983	805	41	of	of	ADP
cblr-9983	805	42	potentially	potentially	ADV
cblr-9983	805	43	serious	serious	ADJ
cblr-9983	805	44	risks	risk	NOUN
cblr-9983	805	45	and	and	CCONJ
cblr-9983	805	46	the	the	DET
cblr-9983	805	47	relative	relative	ADJ
cblr-9983	805	48	likelihood	likelihood	NOUN
cblr-9983	805	49	of	of	ADP
cblr-9983	805	50	a	a	DET
cblr-9983	805	51	shock	shock	NOUN
cblr-9983	805	52	actually	actually	ADV
cblr-9983	805	53	occurring.132	occurring.132	VERB
cblr-9983	805	54	though	though	SCONJ
cblr-9983	805	55	the	the	DET
cblr-9983	805	56	regulation	regulation	NOUN
cblr-9983	805	57	does	do	AUX
cblr-9983	805	58	not	not	PART
cblr-9983	805	59	require	require	VERB
cblr-9983	805	60	128	128	NUM
cblr-9983	805	61	for	for	ADP
cblr-9983	805	62	banks	bank	NOUN
cblr-9983	805	63	themselves	themselves	PRON
cblr-9983	805	64	,	,	PUNCT
cblr-9983	805	65	each	each	DET
cblr-9983	805	66	year	year	NOUN
cblr-9983	805	67	of	of	ADP
cblr-9983	805	68	stress	stress	NOUN
cblr-9983	805	69	tests	test	NOUN
cblr-9983	805	70	likely	likely	ADV
cblr-9983	805	71	increases	increase	VERB
cblr-9983	805	72	their	their	PRON
cblr-9983	805	73	information	information	NOUN
cblr-9983	805	74	about	about	ADP
cblr-9983	805	75	the	the	DET
cblr-9983	805	76	model	model	NOUN
cblr-9983	805	77	,	,	PUNCT
cblr-9983	805	78	because	because	SCONJ
cblr-9983	805	79	they	they	PRON
cblr-9983	805	80	are	be	AUX
cblr-9983	805	81	aware	aware	ADJ
cblr-9983	805	82	of	of	ADP
cblr-9983	805	83	the	the	DET
cblr-9983	805	84	specifics	specific	NOUN
cblr-9983	805	85	of	of	ADP
cblr-9983	805	86	their	their	PRON
cblr-9983	805	87	assets	asset	NOUN
cblr-9983	805	88	and	and	CCONJ
cblr-9983	805	89	can	can	AUX
cblr-9983	805	90	observe	observe	VERB
cblr-9983	805	91	how	how	SCONJ
cblr-9983	805	92	loss	loss	NOUN
cblr-9983	805	93	rates	rate	NOUN
cblr-9983	805	94	change	change	VERB
cblr-9983	805	95	.	.	PUNCT
cblr-9983	806	1	because	because	SCONJ
cblr-9983	806	2	the	the	DET
cblr-9983	806	3	federal	federal	PROPN
cblr-9983	806	4	reserve	reserve	PROPN
cblr-9983	806	5	provides	provide	VERB
cblr-9983	806	6	notice	notice	NOUN
cblr-9983	806	7	of	of	ADP
cblr-9983	806	8	significant	significant	ADJ
cblr-9983	806	9	changes	change	NOUN
cblr-9983	806	10	in	in	ADP
cblr-9983	806	11	modelling	modelling	NOUN
cblr-9983	806	12	(	(	PUNCT
cblr-9983	806	13	without	without	ADP
cblr-9983	806	14	,	,	PUNCT
cblr-9983	806	15	at	at	ADP
cblr-9983	806	16	least	least	ADJ
cblr-9983	806	17	to	to	ADP
cblr-9983	806	18	this	this	DET
cblr-9983	806	19	point	point	NOUN
cblr-9983	806	20	,	,	PUNCT
cblr-9983	806	21	providing	provide	VERB
cblr-9983	806	22	the	the	DET
cblr-9983	806	23	changed	change	VERB
cblr-9983	806	24	code	code	NOUN
cblr-9983	806	25	itself	itself	PRON
cblr-9983	806	26	)	)	PUNCT
cblr-9983	806	27	,	,	PUNCT
cblr-9983	806	28	the	the	DET
cblr-9983	806	29	banks	bank	NOUN
cblr-9983	806	30	can	can	AUX
cblr-9983	806	31	control	control	VERB
cblr-9983	806	32	for	for	ADP
cblr-9983	806	33	the	the	DET
cblr-9983	806	34	scenario	scenario	NOUN
cblr-9983	806	35	and	and	CCONJ
cblr-9983	806	36	determine	determine	VERB
cblr-9983	806	37	whether	whether	SCONJ
cblr-9983	806	38	differing	differ	VERB
cblr-9983	806	39	loss	loss	NOUN
cblr-9983	806	40	rates	rate	NOUN
cblr-9983	806	41	for	for	ADP
cblr-9983	806	42	their	their	PRON
cblr-9983	806	43	assets	asset	NOUN
cblr-9983	806	44	are	be	AUX
cblr-9983	806	45	attributable	attributable	ADJ
cblr-9983	806	46	to	to	ADP
cblr-9983	806	47	model	model	NOUN
cblr-9983	806	48	change	change	NOUN
cblr-9983	806	49	or	or	CCONJ
cblr-9983	806	50	to	to	ADP
cblr-9983	806	51	differences	difference	NOUN
cblr-9983	806	52	in	in	ADP
cblr-9983	806	53	the	the	DET
cblr-9983	806	54	assets	asset	NOUN
cblr-9983	806	55	.	.	PUNCT
cblr-9983	807	1	outside	outside	ADJ
cblr-9983	807	2	analysts	analyst	NOUN
cblr-9983	807	3	do	do	AUX
cblr-9983	807	4	not	not	PART
cblr-9983	807	5	have	have	VERB
cblr-9983	807	6	the	the	DET
cblr-9983	807	7	benefit	benefit	NOUN
cblr-9983	807	8	of	of	ADP
cblr-9983	807	9	this	this	DET
cblr-9983	807	10	information	information	NOUN
cblr-9983	807	11	unless	unless	SCONJ
cblr-9983	807	12	,	,	PUNCT
cblr-9983	807	13	for	for	ADP
cblr-9983	807	14	their	their	PRON
cblr-9983	807	15	own	own	ADJ
cblr-9983	807	16	reasons	reason	NOUN
cblr-9983	807	17	,	,	PUNCT
cblr-9983	807	18	bank	bank	NOUN
cblr-9983	807	19	choose	choose	VERB
cblr-9983	807	20	to	to	PART
cblr-9983	807	21	disclose	disclose	VERB
cblr-9983	807	22	it	it	PRON
cblr-9983	807	23	.	.	PUNCT
cblr-9983	808	1	129	129	NUM
cblr-9983	808	2	see	see	VERB
cblr-9983	808	3	enhanced	enhanced	ADJ
cblr-9983	808	4	disclosure	disclosure	NOUN
cblr-9983	808	5	of	of	ADP
cblr-9983	808	6	the	the	DET
cblr-9983	808	7	models	model	NOUN
cblr-9983	808	8	used	use	VERB
cblr-9983	808	9	in	in	ADP
cblr-9983	808	10	the	the	DET
cblr-9983	808	11	federal	federal	PROPN
cblr-9983	808	12	reserve	reserve	PROPN
cblr-9983	808	13	’s	’s	PART
cblr-9983	808	14	supervisory	supervisory	ADJ
cblr-9983	808	15	stress	stress	NOUN
cblr-9983	808	16	test	test	NOUN
cblr-9983	808	17	,	,	PUNCT
cblr-9983	808	18	84	84	NUM
cblr-9983	808	19	fed	feed	VERB
cblr-9983	808	20	.	.	PUNCT
cblr-9983	809	1	reg	reg	PROPN
cblr-9983	809	2	.	.	PUNCT
cblr-9983	810	1	6,784	6,784	NUM
cblr-9983	810	2	(	(	PUNCT
cblr-9983	810	3	notice	notice	PROPN
cblr-9983	810	4	feb	feb	PROPN
cblr-9983	810	5	.	.	PROPN
cblr-9983	810	6	28	28	NUM
cblr-9983	810	7	,	,	PUNCT
cblr-9983	810	8	2019	2019	NUM
cblr-9983	810	9	)	)	PUNCT
cblr-9983	810	10	.	.	PUNCT
cblr-9983	811	1	130	130	NUM
cblr-9983	811	2	policy	policy	NOUN
cblr-9983	811	3	statement	statement	NOUN
cblr-9983	811	4	on	on	ADP
cblr-9983	811	5	the	the	DET
cblr-9983	811	6	scenario	scenario	NOUN
cblr-9983	811	7	design	design	NOUN
cblr-9983	811	8	framework	framework	NOUN
cblr-9983	811	9	for	for	ADP
cblr-9983	811	10	stress	stress	NOUN
cblr-9983	811	11	testing	testing	NOUN
cblr-9983	811	12	,	,	PUNCT
cblr-9983	811	13	78	78	NUM
cblr-9983	811	14	fed	feed	VERB
cblr-9983	811	15	.	.	PUNCT
cblr-9983	812	1	reg	reg	PROPN
cblr-9983	812	2	.	.	PROPN
cblr-9983	813	1	59,533	59,533	NUM
cblr-9983	813	2	,	,	PUNCT
cblr-9983	813	3	59,538	59,538	NUM
cblr-9983	813	4	(	(	PUNCT
cblr-9983	813	5	proposed	propose	VERB
cblr-9983	813	6	dec	dec	PROPN
cblr-9983	813	7	.	.	PROPN
cblr-9983	813	8	15	15	NUM
cblr-9983	813	9	,	,	PUNCT
cblr-9983	813	10	2017	2017	NUM
cblr-9983	813	11	)	)	PUNCT
cblr-9983	813	12	(	(	PUNCT
cblr-9983	813	13	codified	codify	VERB
cblr-9983	813	14	at	at	ADP
cblr-9983	813	15	12	12	NUM
cblr-9983	813	16	c.f.r	c.f.r	NOUN
cblr-9983	813	17	.	.	PUNCT
cblr-9983	814	1	pt	pt	PROPN
cblr-9983	814	2	.	.	PROPN
cblr-9983	814	3	252	252	NUM
cblr-9983	814	4	)	)	PUNCT
cblr-9983	814	5	.	.	PUNCT
cblr-9983	815	1	the	the	DET
cblr-9983	815	2	board	board	NOUN
cblr-9983	815	3	of	of	ADP
cblr-9983	815	4	governors	governor	NOUN
cblr-9983	815	5	subsequently	subsequently	ADV
cblr-9983	815	6	revised	revise	VERB
cblr-9983	815	7	the	the	DET
cblr-9983	815	8	scenario	scenario	NOUN
cblr-9983	815	9	in	in	ADP
cblr-9983	815	10	ways	way	NOUN
cblr-9983	815	11	not	not	PART
cblr-9983	815	12	relevant	relevant	ADJ
cblr-9983	815	13	to	to	ADP
cblr-9983	815	14	the	the	DET
cblr-9983	815	15	issues	issue	NOUN
cblr-9983	815	16	discussed	discuss	VERB
cblr-9983	815	17	in	in	ADP
cblr-9983	815	18	this	this	DET
cblr-9983	815	19	article	article	NOUN
cblr-9983	815	20	.	.	PUNCT
cblr-9983	816	1	see	see	VERB
cblr-9983	816	2	amendments	amendment	NOUN
cblr-9983	816	3	to	to	ADP
cblr-9983	816	4	policy	policy	NOUN
cblr-9983	816	5	statement	statement	NOUN
cblr-9983	816	6	on	on	ADP
cblr-9983	816	7	the	the	DET
cblr-9983	816	8	scenario	scenario	NOUN
cblr-9983	816	9	design	design	NOUN
cblr-9983	816	10	framework	framework	NOUN
cblr-9983	816	11	for	for	ADP
cblr-9983	816	12	stress	stress	NOUN
cblr-9983	816	13	testing	testing	NOUN
cblr-9983	816	14	,	,	PUNCT
cblr-9983	816	15	84	84	NUM
cblr-9983	816	16	fed	feed	VERB
cblr-9983	816	17	.	.	PUNCT
cblr-9983	817	1	reg	reg	PROPN
cblr-9983	817	2	.	.	PUNCT
cblr-9983	818	1	6651	6651	NUM
cblr-9983	818	2	(	(	PUNCT
cblr-9983	818	3	feb	feb	PROPN
cblr-9983	818	4	.	.	PROPN
cblr-9983	818	5	28	28	NUM
cblr-9983	818	6	,	,	PUNCT
cblr-9983	818	7	2019	2019	NUM
cblr-9983	818	8	)	)	PUNCT
cblr-9983	818	9	(	(	PUNCT
cblr-9983	818	10	codified	codify	VERB
cblr-9983	818	11	at	at	ADP
cblr-9983	818	12	12	12	NUM
cblr-9983	818	13	c.f.r	c.f.r	NOUN
cblr-9983	818	14	.	.	PUNCT
cblr-9983	819	1	pt	pt	PROPN
cblr-9983	819	2	.	.	PROPN
cblr-9983	819	3	252	252	NUM
cblr-9983	819	4	)	)	PUNCT
cblr-9983	819	5	.	.	PUNCT
cblr-9983	820	1	131	131	NUM
cblr-9983	820	2	for	for	ADP
cblr-9983	820	3	the	the	DET
cblr-9983	820	4	banking	banking	NOUN
cblr-9983	820	5	book	book	NOUN
cblr-9983	820	6	(	(	PUNCT
cblr-9983	820	7	traditional	traditional	ADJ
cblr-9983	820	8	lending	lending	NOUN
cblr-9983	820	9	)	)	PUNCT
cblr-9983	820	10	and	and	CCONJ
cblr-9983	820	11	for	for	ADP
cblr-9983	820	12	the	the	DET
cblr-9983	820	13	entire	entire	ADJ
cblr-9983	820	14	balance	balance	NOUN
cblr-9983	820	15	sheet	sheet	NOUN
cblr-9983	820	16	of	of	ADP
cblr-9983	820	17	most	most	ADJ
cblr-9983	820	18	of	of	ADP
cblr-9983	820	19	the	the	DET
cblr-9983	820	20	participating	participate	VERB
cblr-9983	820	21	banks	bank	NOUN
cblr-9983	820	22	,	,	PUNCT
cblr-9983	820	23	the	the	DET
cblr-9983	820	24	balance	balance	NOUN
cblr-9983	820	25	sheet	sheet	NOUN
cblr-9983	820	26	on	on	ADP
cblr-9983	820	27	the	the	DET
cblr-9983	820	28	last	last	ADJ
cblr-9983	820	29	day	day	NOUN
cblr-9983	820	30	of	of	ADP
cblr-9983	820	31	the	the	DET
cblr-9983	820	32	preceding	precede	VERB
cblr-9983	820	33	quarter	quarter	NOUN
cblr-9983	820	34	is	be	AUX
cblr-9983	820	35	used	use	VERB
cblr-9983	820	36	.	.	PUNCT
cblr-9983	821	1	for	for	ADP
cblr-9983	821	2	the	the	DET
cblr-9983	821	3	handful	handful	NOUN
cblr-9983	821	4	of	of	ADP
cblr-9983	821	5	firms	firm	NOUN
cblr-9983	821	6	with	with	ADP
cblr-9983	821	7	extensive	extensive	ADJ
cblr-9983	821	8	capital	capital	NOUN
cblr-9983	821	9	market	market	NOUN
cblr-9983	821	10	activities	activity	NOUN
cblr-9983	821	11	,	,	PUNCT
cblr-9983	821	12	the	the	DET
cblr-9983	821	13	federal	federal	PROPN
cblr-9983	821	14	reserve	reserve	PROPN
cblr-9983	821	15	varies	vary	VERB
cblr-9983	821	16	the	the	DET
cblr-9983	821	17	“	"	PUNCT
cblr-9983	821	18	as	as	ADP
cblr-9983	821	19	of	of	ADP
cblr-9983	821	20	”	"	PUNCT
cblr-9983	821	21	date	date	NOUN
cblr-9983	821	22	of	of	ADP
cblr-9983	821	23	the	the	DET
cblr-9983	821	24	trading	trading	NOUN
cblr-9983	821	25	book	book	NOUN
cblr-9983	821	26	balance	balance	NOUN
cblr-9983	821	27	sheet	sheet	NOUN
cblr-9983	821	28	varies	vary	VERB
cblr-9983	821	29	from	from	ADP
cblr-9983	821	30	year	year	NOUN
cblr-9983	821	31	to	to	ADP
cblr-9983	821	32	year	year	NOUN
cblr-9983	821	33	,	,	PUNCT
cblr-9983	821	34	in	in	ADP
cblr-9983	821	35	a	a	DET
cblr-9983	821	36	modest	modest	ADJ
cblr-9983	821	37	effort	effort	NOUN
cblr-9983	821	38	to	to	PART
cblr-9983	821	39	reduce	reduce	VERB
cblr-9983	821	40	gaming	gaming	NOUN
cblr-9983	821	41	by	by	ADP
cblr-9983	821	42	banks	bank	NOUN
cblr-9983	821	43	.	.	PUNCT
cblr-9983	822	1	policy	policy	NOUN
cblr-9983	822	2	statement	statement	NOUN
cblr-9983	822	3	on	on	ADP
cblr-9983	822	4	the	the	DET
cblr-9983	822	5	supervisory	supervisory	ADJ
cblr-9983	822	6	design	design	NOUN
cblr-9983	822	7	framework	framework	NOUN
cblr-9983	822	8	for	for	ADP
cblr-9983	822	9	stress	stress	NOUN
cblr-9983	822	10	testing	testing	NOUN
cblr-9983	822	11	,	,	PUNCT
cblr-9983	822	12	12	12	NUM
cblr-9983	822	13	c.f.r	c.f.r	NOUN
cblr-9983	822	14	.	.	PUNCT
cblr-9983	823	1	pt	pt	PROPN
cblr-9983	823	2	.	.	PROPN
cblr-9983	823	3	252	252	NUM
cblr-9983	823	4	app	app	NOUN
cblr-9983	823	5	.	.	PUNCT
cblr-9983	824	1	a	a	DET
cblr-9983	824	2	§	§	PROPN
cblr-9983	824	3	3(a	3(a	NUM
cblr-9983	824	4	)	)	PUNCT
cblr-9983	824	5	.	.	PUNCT
cblr-9983	825	1	132	132	NUM
cblr-9983	825	2	for	for	ADP
cblr-9983	825	3	an	an	DET
cblr-9983	825	4	example	example	NOUN
cblr-9983	825	5	of	of	ADP
cblr-9983	825	6	the	the	DET
cblr-9983	825	7	scenario	scenario	NOUN
cblr-9983	825	8	used	use	VERB
cblr-9983	825	9	for	for	ADP
cblr-9983	825	10	the	the	DET
cblr-9983	825	11	most	most	ADV
cblr-9983	825	12	recent	recent	ADJ
cblr-9983	825	13	round	round	NOUN
cblr-9983	825	14	of	of	ADP
cblr-9983	825	15	stress	stress	NOUN
cblr-9983	825	16	testing	testing	NOUN
cblr-9983	825	17	,	,	PUNCT
cblr-9983	825	18	see	see	VERB
cblr-9983	825	19	fed	fed	PROPN
cblr-9983	825	20	.	.	PUNCT
cblr-9983	826	1	rsrv	rsrv	PROPN
cblr-9983	826	2	.	.	PUNCT
cblr-9983	827	1	,	,	PUNCT
cblr-9983	827	2	2021	2021	NUM
cblr-9983	827	3	stress	stress	NOUN
cblr-9983	827	4	test	test	NOUN
cblr-9983	827	5	scenarios	scenario	NOUN
cblr-9983	827	6	(	(	PUNCT
cblr-9983	827	7	2021	2021	NUM
cblr-9983	827	8	)	)	PUNCT
cblr-9983	827	9	324	324	NUM
cblr-9983	827	10	columbia	columbia	PROPN
cblr-9983	827	11	business	business	NOUN
cblr-9983	827	12	law	law	PROPN
cblr-9983	827	13	review	review	NOUN
cblr-9983	827	14	[	[	X
cblr-9983	827	15	vol	vol	NOUN
cblr-9983	827	16	.	.	PUNCT
cblr-9983	827	17	2022	2022	NUM
cblr-9983	827	18	it	it	PRON
cblr-9983	827	19	,	,	PUNCT
cblr-9983	827	20	the	the	DET
cblr-9983	827	21	practice	practice	NOUN
cblr-9983	827	22	has	have	AUX
cblr-9983	827	23	been	be	AUX
cblr-9983	827	24	that	that	SCONJ
cblr-9983	827	25	three	three	NUM
cblr-9983	827	26	members	member	NOUN
cblr-9983	827	27	of	of	ADP
cblr-9983	827	28	the	the	DET
cblr-9983	827	29	board	board	NOUN
cblr-9983	827	30	of	of	ADP
cblr-9983	827	31	governors	governor	NOUN
cblr-9983	827	32	,	,	PUNCT
cblr-9983	827	33	including	include	VERB
cblr-9983	827	34	the	the	DET
cblr-9983	827	35	chair	chair	NOUN
cblr-9983	827	36	meet	meet	VERB
cblr-9983	827	37	annually	annually	ADV
cblr-9983	827	38	with	with	ADP
cblr-9983	827	39	staff	staff	NOUN
cblr-9983	827	40	to	to	PART
cblr-9983	827	41	decide	decide	VERB
cblr-9983	827	42	upon	upon	SCONJ
cblr-9983	827	43	the	the	DET
cblr-9983	827	44	idiosyncratic	idiosyncratic	ADJ
cblr-9983	827	45	features	feature	NOUN
cblr-9983	827	46	for	for	ADP
cblr-9983	827	47	that	that	DET
cblr-9983	827	48	year	year	NOUN
cblr-9983	827	49	’s	’s	PART
cblr-9983	827	50	test.133	test.133	NUM
cblr-9983	827	51	thus	thus	ADV
cblr-9983	827	52	,	,	PUNCT
cblr-9983	827	53	the	the	DET
cblr-9983	827	54	scenarios	scenario	NOUN
cblr-9983	827	55	reflect	reflect	VERB
cblr-9983	827	56	an	an	DET
cblr-9983	827	57	up	up	ADP
cblr-9983	827	58	-	-	PUNCT
cblr-9983	827	59	to	to	ADP
cblr-9983	827	60	-	-	PUNCT
cblr-9983	827	61	date	date	NOUN
cblr-9983	827	62	judgment	judgment	NOUN
cblr-9983	827	63	by	by	ADP
cblr-9983	827	64	the	the	DET
cblr-9983	827	65	board	board	NOUN
cblr-9983	827	66	of	of	ADP
cblr-9983	827	67	governors	governor	NOUN
cblr-9983	827	68	on	on	ADP
cblr-9983	827	69	the	the	DET
cblr-9983	827	70	most	most	ADV
cblr-9983	827	71	significant	significant	ADJ
cblr-9983	827	72	economic	economic	ADJ
cblr-9983	827	73	and	and	CCONJ
cblr-9983	827	74	financial	financial	ADJ
cblr-9983	827	75	risks	risk	NOUN
cblr-9983	827	76	to	to	PART
cblr-9983	827	77	be	be	AUX
cblr-9983	827	78	reflected	reflect	VERB
cblr-9983	827	79	in	in	ADP
cblr-9983	827	80	the	the	DET
cblr-9983	827	81	stress	stress	NOUN
cblr-9983	827	82	tests	test	NOUN
cblr-9983	827	83	.	.	PUNCT
cblr-9983	828	1	2	2	X
cblr-9983	828	2	.	.	X
cblr-9983	828	3	arguments	argument	NOUN
cblr-9983	828	4	for	for	ADP
cblr-9983	828	5	notice	notice	NOUN
cblr-9983	828	6	-	-	PUNCT
cblr-9983	828	7	and	and	CCONJ
cblr-9983	828	8	-	-	PUNCT
cblr-9983	828	9	comment	comment	NOUN
cblr-9983	828	10	on	on	ADP
cblr-9983	828	11	supervisory	supervisory	ADJ
cblr-9983	828	12	stress	stress	NOUN
cblr-9983	828	13	model	model	NOUN
cblr-9983	828	14	and	and	CCONJ
cblr-9983	828	15	scenarios	scenario	NOUN
cblr-9983	828	16	.	.	PUNCT
cblr-9983	829	1	the	the	DET
cblr-9983	829	2	principal	principal	ADJ
cblr-9983	829	3	administrative	administrative	ADJ
cblr-9983	829	4	law	law	NOUN
cblr-9983	829	5	challenge	challenge	NOUN
cblr-9983	829	6	to	to	ADP
cblr-9983	829	7	stress	stress	NOUN
cblr-9983	829	8	testing	testing	NOUN
cblr-9983	829	9	is	be	AUX
cblr-9983	829	10	that	that	SCONJ
cblr-9983	829	11	the	the	DET
cblr-9983	829	12	models	model	NOUN
cblr-9983	829	13	and	and	CCONJ
cblr-9983	829	14	scenarios	scenario	NOUN
cblr-9983	829	15	are	be	AUX
cblr-9983	829	16	apa	apa	PROPN
cblr-9983	829	17	“	"	PUNCT
cblr-9983	829	18	rules	rule	NOUN
cblr-9983	829	19	”	"	PUNCT
cblr-9983	829	20	because	because	SCONJ
cblr-9983	829	21	they	they	PRON
cblr-9983	829	22	are	be	AUX
cblr-9983	829	23	future	future	ADV
cblr-9983	829	24	-	-	PUNCT
cblr-9983	829	25	oriented	orient	VERB
cblr-9983	829	26	and	and	CCONJ
cblr-9983	829	27	de	de	ADV
cblr-9983	829	28	facto	facto	X
cblr-9983	829	29	set	set	VERB
cblr-9983	829	30	capital	capital	NOUN
cblr-9983	829	31	requirements	requirement	NOUN
cblr-9983	829	32	for	for	ADP
cblr-9983	829	33	the	the	DET
cblr-9983	829	34	largest	large	ADJ
cblr-9983	829	35	banks	bank	NOUN
cblr-9983	829	36	,	,	PUNCT
cblr-9983	829	37	and	and	CCONJ
cblr-9983	829	38	thus	thus	ADV
cblr-9983	829	39	are	be	AUX
cblr-9983	829	40	subject	subject	ADJ
cblr-9983	829	41	to	to	ADP
cblr-9983	829	42	the	the	DET
cblr-9983	829	43	notice	notice	NOUN
cblr-9983	829	44	and	and	CCONJ
cblr-9983	829	45	comment	comment	NOUN
cblr-9983	829	46	requirement.134	requirement.134	VERB
cblr-9983	829	47	in	in	ADP
cblr-9983	829	48	essence	essence	NOUN
cblr-9983	829	49	,	,	PUNCT
cblr-9983	829	50	the	the	DET
cblr-9983	829	51	argument	argument	NOUN
cblr-9983	829	52	is	be	AUX
cblr-9983	829	53	that	that	SCONJ
cblr-9983	829	54	each	each	DET
cblr-9983	829	55	year	year	NOUN
cblr-9983	829	56	’s	’s	PART
cblr-9983	829	57	stress	stress	NOUN
cblr-9983	829	58	test	test	NOUN
cblr-9983	829	59	requires	require	VERB
cblr-9983	829	60	a	a	DET
cblr-9983	829	61	new	new	ADJ
cblr-9983	829	62	noticeand	noticeand	NOUN
cblr-9983	829	63	-	-	PUNCT
cblr-9983	829	64	comment	comment	NOUN
cblr-9983	829	65	procedure	procedure	NOUN
cblr-9983	829	66	covering	cover	VERB
cblr-9983	829	67	the	the	DET
cblr-9983	829	68	proposed	propose	VERB
cblr-9983	829	69	scenario	scenario	NOUN
cblr-9983	829	70	and	and	CCONJ
cblr-9983	829	71	any	any	DET
cblr-9983	829	72	changes	change	NOUN
cblr-9983	829	73	made	make	VERB
cblr-9983	829	74	in	in	ADP
cblr-9983	829	75	the	the	DET
cblr-9983	829	76	supervisory	supervisory	ADJ
cblr-9983	829	77	model	model	NOUN
cblr-9983	829	78	.	.	PUNCT
cblr-9983	830	1	a	a	DET
cblr-9983	830	2	different	different	ADJ
cblr-9983	830	3	argument	argument	NOUN
cblr-9983	830	4	might	might	AUX
cblr-9983	830	5	be	be	AUX
cblr-9983	830	6	that	that	SCONJ
cblr-9983	830	7	the	the	DET
cblr-9983	830	8	supervisory	supervisory	ADJ
cblr-9983	830	9	model	model	NOUN
cblr-9983	830	10	code	code	NOUN
cblr-9983	830	11	must	must	AUX
cblr-9983	830	12	be	be	AUX
cblr-9983	830	13	disclosed	disclose	VERB
cblr-9983	830	14	as	as	ADP
cblr-9983	830	15	part	part	NOUN
cblr-9983	830	16	of	of	ADP
cblr-9983	830	17	providing	provide	VERB
cblr-9983	830	18	adequate	adequate	ADJ
cblr-9983	830	19	notice	notice	NOUN
cblr-9983	830	20	to	to	ADP
cblr-9983	830	21	affected	affect	VERB
cblr-9983	830	22	parties	party	NOUN
cblr-9983	830	23	of	of	ADP
cblr-9983	830	24	the	the	DET
cblr-9983	830	25	impact	impact	NOUN
cblr-9983	830	26	of	of	ADP
cblr-9983	830	27	the	the	DET
cblr-9983	830	28	stress	stress	NOUN
cblr-9983	830	29	test	test	NOUN
cblr-9983	830	30	and	and	CCONJ
cblr-9983	830	31	capital	capital	NOUN
cblr-9983	830	32	planning	planning	NOUN
cblr-9983	830	33	rules	rule	NOUN
cblr-9983	830	34	.	.	PUNCT
cblr-9983	831	1	there	there	PRON
cblr-9983	831	2	are	be	VERB
cblr-9983	831	3	two	two	NUM
cblr-9983	831	4	rejoinders	rejoinder	NOUN
cblr-9983	831	5	to	to	ADP
cblr-9983	831	6	the	the	DET
cblr-9983	831	7	core	core	NOUN
cblr-9983	831	8	argument	argument	NOUN
cblr-9983	831	9	.	.	PUNCT
cblr-9983	832	1	one	one	NUM
cblr-9983	832	2	is	be	AUX
cblr-9983	832	3	that	that	SCONJ
cblr-9983	832	4	each	each	DET
cblr-9983	832	5	bank	bank	NOUN
cblr-9983	832	6	’s	’s	PART
cblr-9983	832	7	stress	stress	NOUN
cblr-9983	832	8	capital	capital	NOUN
cblr-9983	832	9	buffer	buffer	NOUN
cblr-9983	832	10	is	be	AUX
cblr-9983	832	11	the	the	DET
cblr-9983	832	12	result	result	NOUN
cblr-9983	832	13	of	of	ADP
cblr-9983	832	14	an	an	DET
cblr-9983	832	15	informal	informal	ADJ
cblr-9983	832	16	adjudication	adjudication	NOUN
cblr-9983	832	17	.	.	PUNCT
cblr-9983	833	1	under	under	ADP
cblr-9983	833	2	the	the	DET
cblr-9983	833	3	rule	rule	NOUN
cblr-9983	833	4	set	set	VERB
cblr-9983	833	5	forth	forth	ADP
cblr-9983	833	6	by	by	ADP
cblr-9983	833	7	the	the	DET
cblr-9983	833	8	supreme	supreme	PROPN
cblr-9983	833	9	court	court	PROPN
cblr-9983	833	10	in	in	ADP
cblr-9983	833	11	bennett	bennett	PROPN
cblr-9983	833	12	v.	v.	PROPN
cblr-9983	833	13	spear	spear	PROPN
cblr-9983	833	14	,	,	PUNCT
cblr-9983	833	15	the	the	DET
cblr-9983	833	16	stress	stress	NOUN
cblr-9983	833	17	test	test	NOUN
cblr-9983	833	18	itself	itself	PRON
cblr-9983	833	19	meets	meet	VERB
cblr-9983	833	20	neither	neither	PRON
cblr-9983	833	21	of	of	ADP
cblr-9983	833	22	the	the	DET
cblr-9983	833	23	two	two	NUM
cblr-9983	833	24	conditions	condition	NOUN
cblr-9983	833	25	for	for	ADP
cblr-9983	833	26	final	final	ADJ
cblr-9983	833	27	agency	agency	NOUN
cblr-9983	833	28	action	action	NOUN
cblr-9983	833	29	—	—	PUNCT
cblr-9983	833	30	that	that	SCONJ
cblr-9983	833	31	it	it	PRON
cblr-9983	833	32	be	be	VERB
cblr-9983	833	33	the	the	DET
cblr-9983	833	34	“	"	PUNCT
cblr-9983	833	35	consummation	consummation	NOUN
cblr-9983	833	36	”	"	PUNCT
cblr-9983	833	37	of	of	ADP
cblr-9983	833	38	the	the	DET
cblr-9983	833	39	agency	agency	NOUN
cblr-9983	833	40	’s	’s	PART
cblr-9983	833	41	decision	decision	NOUN
cblr-9983	833	42	-	-	PUNCT
cblr-9983	833	43	making	make	VERB
cblr-9983	833	44	process	process	NOUN
cblr-9983	833	45	and	and	CCONJ
cblr-9983	833	46	that	that	SCONJ
cblr-9983	833	47	it	it	PRON
cblr-9983	833	48	result	result	VERB
cblr-9983	833	49	in	in	ADP
cblr-9983	833	50	legal	legal	ADJ
cblr-9983	833	51	obligations.135	obligations.135	NOUN
cblr-9983	833	52	if	if	SCONJ
cblr-9983	833	53	it	it	PRON
cblr-9983	833	54	is	be	AUX
cblr-9983	833	55	not	not	PART
cblr-9983	833	56	a	a	DET
cblr-9983	833	57	“	"	PUNCT
cblr-9983	833	58	final	final	ADJ
cblr-9983	833	59	agency	agency	NOUN
cblr-9983	833	60	action	action	NOUN
cblr-9983	833	61	,	,	PUNCT
cblr-9983	833	62	”	"	PUNCT
cblr-9983	833	63	then	then	ADV
cblr-9983	833	64	it	it	PRON
cblr-9983	833	65	can	can	AUX
cblr-9983	833	66	not	not	PART
cblr-9983	833	67	be	be	AUX
cblr-9983	833	68	subject	subject	ADJ
cblr-9983	833	69	to	to	ADP
cblr-9983	833	70	the	the	DET
cblr-9983	833	71	notice	notice	NOUN
cblr-9983	833	72	-	-	PUNCT
cblr-9983	833	73	and	and	CCONJ
cblr-9983	833	74	-	-	PUNCT
cblr-9983	833	75	comment	comment	NOUN
cblr-9983	833	76	requirements	requirement	NOUN
cblr-9983	833	77	of	of	ADP
cblr-9983	833	78	a	a	DET
cblr-9983	833	79	legislative	legislative	ADJ
cblr-9983	833	80	rule	rule	NOUN
cblr-9983	833	81	,	,	PUNCT
cblr-9983	833	82	which	which	PRON
cblr-9983	833	83	by	by	ADP
cblr-9983	833	84	definition	definition	NOUN
cblr-9983	833	85	creates	create	VERB
cblr-9983	833	86	a	a	DET
cblr-9983	833	87	binding	bind	VERB
cblr-9983	833	88	legal	legal	ADJ
cblr-9983	833	89	right	right	NOUN
cblr-9983	833	90	or	or	CCONJ
cblr-9983	833	91	obligation	obligation	NOUN
cblr-9983	833	92	.	.	PUNCT
cblr-9983	834	1	each	each	DET
cblr-9983	834	2	year	year	NOUN
cblr-9983	834	3	,	,	PUNCT
cblr-9983	834	4	the	the	DET
cblr-9983	834	5	board	board	NOUN
cblr-9983	834	6	https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20210	https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20210	PROPN
cblr-9983	834	7	212a1.pdf	212a1.pdf	NUM
cblr-9983	834	8	[	[	X
cblr-9983	834	9	https://perma.cc/pc74-d7fr	https://perma.cc/pc74-d7fr	X
cblr-9983	834	10	]	]	PUNCT
cblr-9983	834	11	.	.	PUNCT
cblr-9983	835	1	133	133	NUM
cblr-9983	835	2	information	information	NOUN
cblr-9983	835	3	about	about	ADP
cblr-9983	835	4	how	how	SCONJ
cblr-9983	835	5	the	the	DET
cblr-9983	835	6	board	board	NOUN
cblr-9983	835	7	of	of	ADP
cblr-9983	835	8	governors	governor	NOUN
cblr-9983	835	9	for	for	ADP
cblr-9983	835	10	the	the	DET
cblr-9983	835	11	federal	federal	PROPN
cblr-9983	835	12	reserve	reserve	PROPN
cblr-9983	835	13	decides	decide	VERB
cblr-9983	835	14	on	on	ADP
cblr-9983	835	15	stress	stress	NOUN
cblr-9983	835	16	test	test	NOUN
cblr-9983	835	17	factors	factor	NOUN
cblr-9983	835	18	is	be	AUX
cblr-9983	835	19	based	base	VERB
cblr-9983	835	20	on	on	ADP
cblr-9983	835	21	the	the	DET
cblr-9983	835	22	author	author	NOUN
cblr-9983	835	23	’s	’s	PART
cblr-9983	835	24	experience	experience	NOUN
cblr-9983	835	25	at	at	ADP
cblr-9983	835	26	the	the	DET
cblr-9983	835	27	federal	federal	PROPN
cblr-9983	835	28	reserve	reserve	PROPN
cblr-9983	835	29	.	.	PUNCT
cblr-9983	836	1	134	134	NUM
cblr-9983	836	2	ccmr	ccmr	NOUN
cblr-9983	836	3	paper	paper	NOUN
cblr-9983	836	4	,	,	PUNCT
cblr-9983	836	5	supra	supra	PROPN
cblr-9983	836	6	note	note	PROPN
cblr-9983	836	7	8	8	NUM
cblr-9983	836	8	,	,	PUNCT
cblr-9983	836	9	at	at	ADP
cblr-9983	836	10	11–12	11–12	NUM
cblr-9983	836	11	.	.	PUNCT
cblr-9983	836	12	135	135	NUM
cblr-9983	836	13	see	see	VERB
cblr-9983	836	14	bennett	bennett	PROPN
cblr-9983	836	15	v.	v.	PROPN
cblr-9983	836	16	spear	spear	PROPN
cblr-9983	836	17	,	,	PUNCT
cblr-9983	836	18	520	520	NUM
cblr-9983	836	19	u.s	u.s	PROPN
cblr-9983	836	20	.	.	PROPN
cblr-9983	836	21	154	154	NUM
cblr-9983	836	22	,	,	PUNCT
cblr-9983	836	23	177–78	177–78	NUM
cblr-9983	836	24	(	(	PUNCT
cblr-9983	836	25	1997	1997	NUM
cblr-9983	836	26	)	)	PUNCT
cblr-9983	836	27	.	.	PUNCT
cblr-9983	837	1	no	no	INTJ
cblr-9983	837	2	.	.	PUNCT
cblr-9983	838	1	1:279	1:279	NOUN
cblr-9983	838	2	]	]	X
cblr-9983	838	3	bank	bank	NOUN
cblr-9983	838	4	supervision	supervision	NOUN
cblr-9983	838	5	and	and	CCONJ
cblr-9983	838	6	administrative	administrative	ADJ
cblr-9983	838	7	law	law	NOUN
cblr-9983	838	8	325	325	NUM
cblr-9983	838	9	determines	determine	NOUN
cblr-9983	838	10	if	if	SCONJ
cblr-9983	838	11	each	each	DET
cblr-9983	838	12	bank	bank	NOUN
cblr-9983	838	13	has	have	AUX
cblr-9983	838	14	built	build	VERB
cblr-9983	838	15	up	up	ADP
cblr-9983	838	16	enough	enough	ADJ
cblr-9983	838	17	capital	capital	NOUN
cblr-9983	838	18	at	at	ADP
cblr-9983	838	19	the	the	DET
cblr-9983	838	20	time	time	NOUN
cblr-9983	838	21	of	of	ADP
cblr-9983	838	22	the	the	DET
cblr-9983	838	23	test	test	NOUN
cblr-9983	838	24	to	to	PART
cblr-9983	838	25	withstand	withstand	VERB
cblr-9983	838	26	possible	possible	ADJ
cblr-9983	838	27	future	future	ADJ
cblr-9983	838	28	losses	loss	NOUN
cblr-9983	838	29	.	.	PUNCT
cblr-9983	839	1	this	this	DET
cblr-9983	839	2	determination	determination	NOUN
cblr-9983	839	3	follows	follow	VERB
cblr-9983	839	4	the	the	DET
cblr-9983	839	5	detailed	detailed	ADJ
cblr-9983	839	6	analysis	analysis	NOUN
cblr-9983	839	7	conducted	conduct	VERB
cblr-9983	839	8	in	in	ADP
cblr-9983	839	9	the	the	DET
cblr-9983	839	10	stress	stress	NOUN
cblr-9983	839	11	test	test	NOUN
cblr-9983	839	12	,	,	PUNCT
cblr-9983	839	13	following	follow	VERB
cblr-9983	839	14	both	both	DET
cblr-9983	839	15	an	an	DET
cblr-9983	839	16	initial	initial	ADJ
cblr-9983	839	17	notice	notice	NOUN
cblr-9983	839	18	to	to	ADP
cblr-9983	839	19	banks	bank	NOUN
cblr-9983	839	20	and	and	CCONJ
cblr-9983	839	21	an	an	DET
cblr-9983	839	22	opportunity	opportunity	NOUN
cblr-9983	839	23	for	for	SCONJ
cblr-9983	839	24	each	each	DET
cblr-9983	839	25	bank	bank	NOUN
cblr-9983	839	26	to	to	PART
cblr-9983	839	27	contest	contest	VERB
cblr-9983	839	28	that	that	DET
cblr-9983	839	29	determination	determination	NOUN
cblr-9983	839	30	.	.	PUNCT
cblr-9983	840	1	only	only	ADV
cblr-9983	840	2	then	then	ADV
cblr-9983	840	3	does	do	AUX
cblr-9983	840	4	the	the	DET
cblr-9983	840	5	stress	stress	NOUN
cblr-9983	840	6	buffer	buffer	NOUN
cblr-9983	840	7	meet	meet	VERB
cblr-9983	840	8	the	the	DET
cblr-9983	840	9	bennett	bennett	PROPN
cblr-9983	840	10	test	test	NOUN
cblr-9983	840	11	of	of	ADP
cblr-9983	840	12	being	be	AUX
cblr-9983	840	13	the	the	DET
cblr-9983	840	14	“	"	PUNCT
cblr-9983	840	15	consummation	consummation	NOUN
cblr-9983	840	16	”	"	PUNCT
cblr-9983	840	17	of	of	ADP
cblr-9983	840	18	the	the	DET
cblr-9983	840	19	decision	decision	NOUN
cblr-9983	840	20	-	-	PUNCT
cblr-9983	840	21	making	making	NOUN
cblr-9983	840	22	that	that	PRON
cblr-9983	840	23	creates	create	VERB
cblr-9983	840	24	an	an	DET
cblr-9983	840	25	obligation	obligation	NOUN
cblr-9983	840	26	for	for	ADP
cblr-9983	840	27	the	the	DET
cblr-9983	840	28	bank.136	bank.136	NOUN
cblr-9983	840	29	indeed	indeed	ADV
cblr-9983	840	30	,	,	PUNCT
cblr-9983	840	31	the	the	DET
cblr-9983	840	32	current	current	ADJ
cblr-9983	840	33	regulation	regulation	NOUN
cblr-9983	840	34	governing	govern	VERB
cblr-9983	840	35	the	the	DET
cblr-9983	840	36	stress	stress	NOUN
cblr-9983	840	37	capital	capital	NOUN
cblr-9983	840	38	buffer	buffer	NOUN
cblr-9983	840	39	makes	make	VERB
cblr-9983	840	40	clear	clear	ADJ
cblr-9983	840	41	that	that	SCONJ
cblr-9983	840	42	there	there	PRON
cblr-9983	840	43	is	be	VERB
cblr-9983	840	44	no	no	DET
cblr-9983	840	45	final	final	ADJ
cblr-9983	840	46	agency	agency	NOUN
cblr-9983	840	47	action	action	NOUN
cblr-9983	840	48	until	until	SCONJ
cblr-9983	840	49	these	these	DET
cblr-9983	840	50	later	later	ADJ
cblr-9983	840	51	steps	step	NOUN
cblr-9983	840	52	have	have	AUX
cblr-9983	840	53	been	be	AUX
cblr-9983	840	54	completed.137	completed.137	NUM
cblr-9983	840	55	the	the	DET
cblr-9983	840	56	procedures	procedure	NOUN
cblr-9983	840	57	laid	lay	VERB
cblr-9983	840	58	out	out	ADP
cblr-9983	840	59	in	in	ADP
cblr-9983	840	60	the	the	DET
cblr-9983	840	61	regulation	regulation	NOUN
cblr-9983	840	62	for	for	ADP
cblr-9983	840	63	notice	notice	NOUN
cblr-9983	840	64	and	and	CCONJ
cblr-9983	840	65	explanation	explanation	NOUN
cblr-9983	840	66	of	of	ADP
cblr-9983	840	67	the	the	DET
cblr-9983	840	68	determination	determination	NOUN
cblr-9983	840	69	,	,	PUNCT
cblr-9983	840	70	as	as	ADV
cblr-9983	840	71	well	well	ADV
cblr-9983	840	72	as	as	ADP
cblr-9983	840	73	the	the	DET
cblr-9983	840	74	opportunity	opportunity	NOUN
cblr-9983	840	75	for	for	ADP
cblr-9983	840	76	reconsideration	reconsideration	NOUN
cblr-9983	840	77	,	,	PUNCT
cblr-9983	840	78	are	be	AUX
cblr-9983	840	79	more	more	ADJ
cblr-9983	840	80	than	than	ADP
cblr-9983	840	81	adequate	adequate	ADJ
cblr-9983	840	82	to	to	PART
cblr-9983	840	83	meet	meet	VERB
cblr-9983	840	84	the	the	DET
cblr-9983	840	85	minimal	minimal	ADJ
cblr-9983	840	86	requirements	requirement	NOUN
cblr-9983	840	87	for	for	ADP
cblr-9983	840	88	informal	informal	ADJ
cblr-9983	840	89	adjudications	adjudication	NOUN
cblr-9983	840	90	under	under	ADP
cblr-9983	840	91	the	the	DET
cblr-9983	840	92	apa.138	apa.138	NOUN
cblr-9983	840	93	the	the	DET
cblr-9983	840	94	proffered	proffered	ADJ
cblr-9983	840	95	rebuttal	rebuttal	NOUN
cblr-9983	840	96	to	to	ADP
cblr-9983	840	97	this	this	DET
cblr-9983	840	98	argument	argument	NOUN
cblr-9983	840	99	is	be	AUX
cblr-9983	840	100	that	that	SCONJ
cblr-9983	840	101	,	,	PUNCT
cblr-9983	840	102	because	because	SCONJ
cblr-9983	840	103	the	the	DET
cblr-9983	840	104	models	model	NOUN
cblr-9983	840	105	and	and	CCONJ
cblr-9983	840	106	scenarios	scenario	NOUN
cblr-9983	840	107	are	be	AUX
cblr-9983	840	108	developed	develop	VERB
cblr-9983	840	109	in	in	ADP
cblr-9983	840	110	advance	advance	NOUN
cblr-9983	840	111	of	of	ADP
cblr-9983	840	112	the	the	DET
cblr-9983	840	113	stress	stress	NOUN
cblr-9983	840	114	test	test	NOUN
cblr-9983	840	115	itself	itself	PRON
cblr-9983	840	116	,	,	PUNCT
cblr-9983	840	117	they	they	PRON
cblr-9983	840	118	are	be	AUX
cblr-9983	840	119	prospective	prospective	ADJ
cblr-9983	840	120	in	in	ADP
cblr-9983	840	121	effect	effect	NOUN
cblr-9983	840	122	and	and	CCONJ
cblr-9983	840	123	must	must	AUX
cblr-9983	840	124	be	be	AUX
cblr-9983	840	125	part	part	NOUN
cblr-9983	840	126	of	of	ADP
cblr-9983	840	127	the	the	DET
cblr-9983	840	128	rule	rule	NOUN
cblr-9983	840	129	-	-	PUNCT
cblr-9983	840	130	making	making	NOUN
cblr-9983	840	131	.	.	PUNCT
cblr-9983	841	1	“	"	PUNCT
cblr-9983	841	2	adjudications	adjudication	NOUN
cblr-9983	841	3	”	"	PUNCT
cblr-9983	841	4	must	must	AUX
cblr-9983	841	5	be	be	AUX
cblr-9983	841	6	backwardregarding	backwardregarde	VERB
cblr-9983	841	7	,	,	PUNCT
cblr-9983	841	8	carried	carry	VERB
cblr-9983	841	9	out	out	ADP
cblr-9983	841	10	against	against	ADP
cblr-9983	841	11	the	the	DET
cblr-9983	841	12	backdrop	backdrop	NOUN
cblr-9983	841	13	of	of	ADP
cblr-9983	841	14	pre	pre	ADJ
cblr-9983	841	15	-	-	ADJ
cblr-9983	841	16	existing	exist	VERB
cblr-9983	841	17	statutory	statutory	ADJ
cblr-9983	841	18	standards	standard	NOUN
cblr-9983	841	19	or	or	CCONJ
cblr-9983	841	20	regulatory	regulatory	ADJ
cblr-9983	841	21	rules.139	rules.139	NOUN
cblr-9983	841	22	but	but	CCONJ
cblr-9983	841	23	this	this	DET
cblr-9983	841	24	rebuttal	rebuttal	NOUN
cblr-9983	841	25	begs	beg	VERB
cblr-9983	841	26	the	the	DET
cblr-9983	841	27	question	question	NOUN
cblr-9983	841	28	of	of	ADP
cblr-9983	841	29	why	why	SCONJ
cblr-9983	841	30	the	the	DET
cblr-9983	841	31	federal	federal	PROPN
cblr-9983	841	32	reserve	reserve	PROPN
cblr-9983	841	33	’s	’s	PART
cblr-9983	841	34	original	original	ADJ
cblr-9983	841	35	stress	stress	NOUN
cblr-9983	841	36	testing	testing	NOUN
cblr-9983	841	37	capital	capital	NOUN
cblr-9983	841	38	rule	rule	NOUN
cblr-9983	841	39	did	do	AUX
cblr-9983	841	40	not	not	PART
cblr-9983	841	41	itself	itself	PRON
cblr-9983	841	42	provide	provide	VERB
cblr-9983	841	43	the	the	DET
cblr-9983	841	44	relevant	relevant	ADJ
cblr-9983	841	45	standard	standard	NOUN
cblr-9983	841	46	to	to	PART
cblr-9983	841	47	determine	determine	VERB
cblr-9983	841	48	whether	whether	SCONJ
cblr-9983	841	49	the	the	DET
cblr-9983	841	50	bank	bank	NOUN
cblr-9983	841	51	has	have	AUX
cblr-9983	841	52	“	"	PUNCT
cblr-9983	841	53	demonstrated	demonstrate	VERB
cblr-9983	841	54	an	an	DET
cblr-9983	841	55	ability	ability	NOUN
cblr-9983	841	56	to	to	PART
cblr-9983	841	57	maintain	maintain	VERB
cblr-9983	841	58	capital	capital	NOUN
cblr-9983	841	59	above	above	ADV
cblr-9983	841	60	.	.	PUNCT
cblr-9983	841	61	.	.	PUNCT
cblr-9983	841	62	.	.	PUNCT
cblr-9983	842	1	minimum	minimum	ADJ
cblr-9983	842	2	regulatory	regulatory	ADJ
cblr-9983	842	3	[	[	X
cblr-9983	842	4	standards	standard	NOUN
cblr-9983	842	5	]	]	PUNCT
cblr-9983	842	6	.	.	PUNCT
cblr-9983	842	7	.	.	PUNCT
cblr-9983	842	8	.	.	PUNCT
cblr-9983	843	1	under	under	ADP
cblr-9983	843	2	expected	expected	ADJ
cblr-9983	843	3	and	and	CCONJ
cblr-9983	843	4	stressful	stressful	ADJ
cblr-9983	843	5	conditions	condition	NOUN
cblr-9983	843	6	through	through	ADP
cblr-9983	843	7	the	the	DET
cblr-9983	843	8	planning	planning	NOUN
cblr-9983	843	9	horizon	horizon	NOUN
cblr-9983	843	10	.	.	PUNCT
cblr-9983	843	11	”140	”140	NOUN
cblr-9983	843	12	in	in	ADP
cblr-9983	843	13	each	each	DET
cblr-9983	843	14	stress	stress	NOUN
cblr-9983	843	15	testing	testing	NOUN
cblr-9983	843	16	cycle	cycle	NOUN
cblr-9983	843	17	,	,	PUNCT
cblr-9983	843	18	136	136	NUM
cblr-9983	843	19	see	see	VERB
cblr-9983	843	20	i	i	PRON
cblr-9983	843	21	d.	d.	PROPN
cblr-9983	843	22	137	137	NUM
cblr-9983	843	23	12	12	NUM
cblr-9983	843	24	c.f.r	c.f.r	NOUN
cblr-9983	843	25	.	.	PUNCT
cblr-9983	844	1	§	§	PROPN
cblr-9983	844	2	225.8(h)(4)(i	225.8(h)(4)(i	NUM
cblr-9983	844	3	)	)	PUNCT
cblr-9983	844	4	(	(	PUNCT
cblr-9983	844	5	2021	2021	NUM
cblr-9983	844	6	)	)	PUNCT
cblr-9983	844	7	.	.	PUNCT
cblr-9983	845	1	138	138	NUM
cblr-9983	845	2	for	for	ADP
cblr-9983	845	3	apa	apa	PROPN
cblr-9983	845	4	requirements	requirement	NOUN
cblr-9983	845	5	for	for	ADP
cblr-9983	845	6	informal	informal	ADJ
cblr-9983	845	7	adjudication	adjudication	NOUN
cblr-9983	845	8	,	,	PUNCT
cblr-9983	845	9	see	see	VERB
cblr-9983	845	10	ben	ben	PROPN
cblr-9983	845	11	harrington	harrington	PROPN
cblr-9983	845	12	&	&	CCONJ
cblr-9983	845	13	daniel	daniel	PROPN
cblr-9983	845	14	j.	j.	PROPN
cblr-9983	845	15	sheffner	sheffner	PROPN
cblr-9983	845	16	,	,	PUNCT
cblr-9983	845	17	cong	cong	PROPN
cblr-9983	845	18	.	.	PUNCT
cblr-9983	846	1	rsch	rsch	PROPN
cblr-9983	846	2	.	.	PUNCT
cblr-9983	847	1	serv	serv	PROPN
cblr-9983	847	2	.	.	PROPN
cblr-9983	847	3	,	,	PUNCT
cblr-9983	847	4	r46930	r46930	PROPN
cblr-9983	847	5	,	,	PUNCT
cblr-9983	847	6	informal	informal	ADJ
cblr-9983	847	7	administrative	administrative	ADJ
cblr-9983	847	8	adjudication	adjudication	NOUN
cblr-9983	847	9	:	:	PUNCT
cblr-9983	847	10	an	an	DET
cblr-9983	847	11	overview	overview	NOUN
cblr-9983	847	12	(	(	PUNCT
cblr-9983	847	13	2021	2021	NUM
cblr-9983	847	14	)	)	PUNCT
cblr-9983	847	15	.	.	PUNCT
cblr-9983	848	1	139	139	NUM
cblr-9983	848	2	see	see	VERB
cblr-9983	848	3	ccmr	ccmr	NOUN
cblr-9983	848	4	paper	paper	NOUN
cblr-9983	848	5	,	,	PUNCT
cblr-9983	848	6	supra	supra	PROPN
cblr-9983	848	7	note	note	PROPN
cblr-9983	848	8	8	8	NUM
cblr-9983	848	9	,	,	PUNCT
cblr-9983	848	10	at	at	ADP
cblr-9983	848	11	12–13	12–13	NUM
cblr-9983	848	12	.	.	PUNCT
cblr-9983	849	1	140	140	NUM
cblr-9983	849	2	capital	capital	NOUN
cblr-9983	849	3	plans	plan	NOUN
cblr-9983	849	4	,	,	PUNCT
cblr-9983	849	5	76	76	NUM
cblr-9983	849	6	fed	fed	PROPN
cblr-9983	849	7	.	.	PUNCT
cblr-9983	850	1	reg	reg	PROPN
cblr-9983	850	2	.	.	PUNCT
cblr-9983	851	1	74,631	74,631	NUM
cblr-9983	851	2	,	,	PUNCT
cblr-9983	851	3	74,632	74,632	NUM
cblr-9983	851	4	(	(	PUNCT
cblr-9983	851	5	dec	dec	PROPN
cblr-9983	851	6	.	.	PROPN
cblr-9983	851	7	1	1	NUM
cblr-9983	851	8	,	,	PUNCT
cblr-9983	851	9	2011	2011	NUM
cblr-9983	851	10	)	)	PUNCT
cblr-9983	851	11	(	(	PUNCT
cblr-9983	851	12	to	to	PART
cblr-9983	851	13	be	be	AUX
cblr-9983	851	14	codified	codify	VERB
cblr-9983	851	15	at	at	ADP
cblr-9983	851	16	12	12	NUM
cblr-9983	851	17	c.f.r	c.f.r	NOUN
cblr-9983	851	18	.	.	PUNCT
cblr-9983	852	1	pt	pt	PROPN
cblr-9983	852	2	.	.	PROPN
cblr-9983	852	3	225	225	NUM
cblr-9983	852	4	)	)	PUNCT
cblr-9983	852	5	.	.	PUNCT
cblr-9983	853	1	the	the	DET
cblr-9983	853	2	rule	rule	NOUN
cblr-9983	853	3	has	have	AUX
cblr-9983	853	4	subsequently	subsequently	ADV
cblr-9983	853	5	been	be	AUX
cblr-9983	853	6	amended	amend	VERB
cblr-9983	853	7	by	by	ADP
cblr-9983	853	8	regulations	regulation	NOUN
cblr-9983	853	9	q	q	PROPN
cblr-9983	853	10	,	,	PUNCT
cblr-9983	853	11	y	y	PROPN
cblr-9983	853	12	,	,	PUNCT
cblr-9983	853	13	and	and	CCONJ
cblr-9983	853	14	yy	yy	INTJ
cblr-9983	853	15	:	:	PUNCT
cblr-9983	853	16	regulatory	regulatory	ADJ
cblr-9983	853	17	capital	capital	NOUN
cblr-9983	853	18	,	,	PUNCT
cblr-9983	853	19	capital	capital	NOUN
cblr-9983	853	20	plan	plan	NOUN
cblr-9983	853	21	,	,	PUNCT
cblr-9983	853	22	and	and	CCONJ
cblr-9983	853	23	stress	stress	NOUN
cblr-9983	853	24	test	test	NOUN
cblr-9983	853	25	rules	rule	NOUN
cblr-9983	853	26	,	,	PUNCT
cblr-9983	853	27	85	85	NUM
cblr-9983	853	28	fed	feed	VERB
cblr-9983	853	29	.	.	PUNCT
cblr-9983	854	1	reg	reg	PROPN
cblr-9983	854	2	.	.	PROPN
cblr-9983	855	1	15,576	15,576	NUM
cblr-9983	855	2	,	,	PUNCT
cblr-9983	855	3	15,576	15,576	NUM
cblr-9983	855	4	(	(	PUNCT
cblr-9983	855	5	mar	mar	PROPN
cblr-9983	855	6	.	.	PROPN
cblr-9983	855	7	18	18	NUM
cblr-9983	855	8	,	,	PUNCT
cblr-9983	855	9	2020	2020	NUM
cblr-9983	855	10	)	)	PUNCT
cblr-9983	855	11	(	(	PUNCT
cblr-9983	855	12	codified	codify	VERB
cblr-9983	855	13	at	at	ADP
cblr-9983	855	14	12	12	NUM
cblr-9983	855	15	c.f.r	c.f.r	NOUN
cblr-9983	855	16	.	.	PUNCT
cblr-9983	856	1	§	§	PROPN
cblr-9983	856	2	225.8	225.8	NUM
cblr-9983	856	3	(	(	PUNCT
cblr-9983	856	4	2021	2021	NUM
cblr-9983	856	5	)	)	PUNCT
cblr-9983	856	6	)	)	PUNCT
cblr-9983	856	7	.	.	PUNCT
cblr-9983	857	1	see	see	VERB
cblr-9983	857	2	supra	supra	PROPN
cblr-9983	857	3	note	note	NOUN
cblr-9983	857	4	115	115	NUM
cblr-9983	857	5	.	.	PUNCT
cblr-9983	858	1	as	as	SCONJ
cblr-9983	858	2	discussed	discuss	VERB
cblr-9983	858	3	in	in	ADP
cblr-9983	858	4	the	the	DET
cblr-9983	858	5	text	text	NOUN
cblr-9983	858	6	,	,	PUNCT
cblr-9983	858	7	similar	similar	ADJ
cblr-9983	858	8	standards	standard	NOUN
cblr-9983	858	9	are	be	AUX
cblr-9983	858	10	found	find	VERB
cblr-9983	858	11	in	in	ADP
cblr-9983	858	12	other	other	ADJ
cblr-9983	858	13	federal	federal	PROPN
cblr-9983	858	14	reserve	reserve	PROPN
cblr-9983	858	15	regulations	regulation	NOUN
cblr-9983	858	16	and	and	CCONJ
cblr-9983	858	17	in	in	ADP
cblr-9983	858	18	doddfrank	doddfrank	NOUN
cblr-9983	858	19	itself	itself	PRON
cblr-9983	858	20	.	.	PUNCT
cblr-9983	859	1	326	326	NUM
cblr-9983	859	2	columbia	columbia	PROPN
cblr-9983	859	3	business	business	NOUN
cblr-9983	859	4	law	law	PROPN
cblr-9983	859	5	review	review	NOUN
cblr-9983	859	6	[	[	X
cblr-9983	859	7	vol	vol	NOUN
cblr-9983	859	8	.	.	PUNCT
cblr-9983	859	9	2022	2022	NUM
cblr-9983	859	10	the	the	DET
cblr-9983	859	11	federal	federal	PROPN
cblr-9983	859	12	reserve	reserve	PROPN
cblr-9983	859	13	applied	apply	VERB
cblr-9983	859	14	this	this	DET
cblr-9983	859	15	standard	standard	NOUN
cblr-9983	859	16	on	on	ADP
cblr-9983	859	17	a	a	DET
cblr-9983	859	18	bank	bank	NOUN
cblr-9983	859	19	-	-	PUNCT
cblr-9983	859	20	by	by	ADP
cblr-9983	859	21	-	-	PUNCT
cblr-9983	859	22	bank	bank	NOUN
cblr-9983	859	23	basis	basis	NOUN
cblr-9983	859	24	,	,	PUNCT
cblr-9983	859	25	using	use	VERB
cblr-9983	859	26	the	the	DET
cblr-9983	859	27	stress	stress	NOUN
cblr-9983	859	28	test	test	NOUN
cblr-9983	859	29	,	,	PUNCT
cblr-9983	859	30	including	include	VERB
cblr-9983	859	31	the	the	DET
cblr-9983	859	32	supervisory	supervisory	ADJ
cblr-9983	859	33	model	model	NOUN
cblr-9983	859	34	and	and	CCONJ
cblr-9983	859	35	scenarios	scenario	NOUN
cblr-9983	859	36	,	,	PUNCT
cblr-9983	859	37	as	as	ADP
cblr-9983	859	38	a	a	DET
cblr-9983	859	39	tool	tool	NOUN
cblr-9983	859	40	in	in	ADP
cblr-9983	859	41	that	that	DET
cblr-9983	859	42	evaluation	evaluation	NOUN
cblr-9983	859	43	.	.	PUNCT
cblr-9983	860	1	that	that	PRON
cblr-9983	860	2	is	be	AUX
cblr-9983	860	3	,	,	PUNCT
cblr-9983	860	4	its	its	PRON
cblr-9983	860	5	decision	decision	NOUN
cblr-9983	860	6	to	to	PART
cblr-9983	860	7	object	object	VERB
cblr-9983	860	8	could	could	AUX
cblr-9983	860	9	have	have	AUX
cblr-9983	860	10	been	be	AUX
cblr-9983	860	11	understood	understand	VERB
cblr-9983	860	12	as	as	ADP
cblr-9983	860	13	a	a	DET
cblr-9983	860	14	judgment	judgment	NOUN
cblr-9983	860	15	on	on	ADP
cblr-9983	860	16	whether	whether	SCONJ
cblr-9983	860	17	the	the	DET
cblr-9983	860	18	capital	capital	NOUN
cblr-9983	860	19	levels	level	NOUN
cblr-9983	860	20	and	and	CCONJ
cblr-9983	860	21	assets	asset	NOUN
cblr-9983	860	22	as	as	SCONJ
cblr-9983	860	23	previously	previously	ADV
cblr-9983	860	24	generated	generate	VERB
cblr-9983	860	25	by	by	ADP
cblr-9983	860	26	the	the	DET
cblr-9983	860	27	bank	bank	NOUN
cblr-9983	860	28	and	and	CCONJ
cblr-9983	860	29	its	its	PRON
cblr-9983	860	30	capital	capital	NOUN
cblr-9983	860	31	distribution	distribution	NOUN
cblr-9983	860	32	intentions	intention	NOUN
cblr-9983	860	33	as	as	SCONJ
cblr-9983	860	34	previously	previously	ADV
cblr-9983	860	35	stated	state	VERB
cblr-9983	860	36	were	be	AUX
cblr-9983	860	37	consistent	consistent	ADJ
cblr-9983	860	38	with	with	ADP
cblr-9983	860	39	this	this	DET
cblr-9983	860	40	standard	standard	NOUN
cblr-9983	860	41	.	.	PUNCT
cblr-9983	861	1	this	this	DET
cblr-9983	861	2	response	response	NOUN
cblr-9983	861	3	to	to	ADP
cblr-9983	861	4	a	a	DET
cblr-9983	861	5	potential	potential	ADJ
cblr-9983	861	6	argument	argument	NOUN
cblr-9983	861	7	by	by	ADP
cblr-9983	861	8	banks	bank	NOUN
cblr-9983	861	9	has	have	AUX
cblr-9983	861	10	not	not	PART
cblr-9983	861	11	fundamentally	fundamentally	ADV
cblr-9983	861	12	changed	change	VERB
cblr-9983	861	13	with	with	ADP
cblr-9983	861	14	the	the	DET
cblr-9983	861	15	federal	federal	PROPN
cblr-9983	861	16	reserve	reserve	PROPN
cblr-9983	861	17	’s	’s	PART
cblr-9983	861	18	adoption	adoption	NOUN
cblr-9983	861	19	of	of	ADP
cblr-9983	861	20	the	the	DET
cblr-9983	861	21	stress	stress	NOUN
cblr-9983	861	22	capital	capital	NOUN
cblr-9983	861	23	buffer	buffer	NOUN
cblr-9983	861	24	approach	approach	NOUN
cblr-9983	861	25	.	.	PUNCT
cblr-9983	862	1	since	since	SCONJ
cblr-9983	862	2	the	the	DET
cblr-9983	862	3	operative	operative	ADJ
cblr-9983	862	4	decision	decision	NOUN
cblr-9983	862	5	by	by	ADP
cblr-9983	862	6	the	the	DET
cblr-9983	862	7	board	board	NOUN
cblr-9983	862	8	is	be	AUX
cblr-9983	862	9	no	no	ADV
cblr-9983	862	10	longer	long	ADV
cblr-9983	862	11	an	an	DET
cblr-9983	862	12	objection	objection	NOUN
cblr-9983	862	13	to	to	ADP
cblr-9983	862	14	a	a	DET
cblr-9983	862	15	capital	capital	NOUN
cblr-9983	862	16	plan	plan	NOUN
cblr-9983	862	17	,	,	PUNCT
cblr-9983	862	18	but	but	CCONJ
cblr-9983	862	19	the	the	DET
cblr-9983	862	20	establishment	establishment	NOUN
cblr-9983	862	21	of	of	ADP
cblr-9983	862	22	the	the	DET
cblr-9983	862	23	stress	stress	NOUN
cblr-9983	862	24	capital	capital	NOUN
cblr-9983	862	25	buffer	buffer	NOUN
cblr-9983	862	26	determined	determine	VERB
cblr-9983	862	27	by	by	ADP
cblr-9983	862	28	the	the	DET
cblr-9983	862	29	annual	annual	ADJ
cblr-9983	862	30	stress	stress	NOUN
cblr-9983	862	31	test	test	NOUN
cblr-9983	862	32	implementing	implement	VERB
cblr-9983	862	33	the	the	DET
cblr-9983	862	34	statutory	statutory	ADJ
cblr-9983	862	35	requirement	requirement	NOUN
cblr-9983	862	36	,	,	PUNCT
cblr-9983	862	37	the	the	DET
cblr-9983	862	38	relevant	relevant	ADJ
cblr-9983	862	39	standard	standard	NOUN
cblr-9983	862	40	may	may	AUX
cblr-9983	862	41	now	now	ADV
cblr-9983	862	42	be	be	AUX
cblr-9983	862	43	found	find	VERB
cblr-9983	862	44	in	in	ADP
cblr-9983	862	45	the	the	DET
cblr-9983	862	46	legislative	legislative	ADJ
cblr-9983	862	47	and	and	CCONJ
cblr-9983	862	48	regulatory	regulatory	ADJ
cblr-9983	862	49	language	language	NOUN
cblr-9983	862	50	governing	govern	VERB
cblr-9983	862	51	stress	stress	NOUN
cblr-9983	862	52	testing	testing	NOUN
cblr-9983	862	53	.	.	PUNCT
cblr-9983	863	1	congress	congress	PROPN
cblr-9983	863	2	indicated	indicate	VERB
cblr-9983	863	3	that	that	SCONJ
cblr-9983	863	4	stress	stress	NOUN
cblr-9983	863	5	tests	test	NOUN
cblr-9983	863	6	were	be	AUX
cblr-9983	863	7	to	to	PART
cblr-9983	863	8	be	be	AUX
cblr-9983	863	9	used	use	VERB
cblr-9983	863	10	to	to	PART
cblr-9983	863	11	determine	determine	VERB
cblr-9983	863	12	“	"	PUNCT
cblr-9983	863	13	whether	whether	SCONJ
cblr-9983	863	14	such	such	ADJ
cblr-9983	863	15	companies	company	NOUN
cblr-9983	863	16	have	have	VERB
cblr-9983	863	17	the	the	DET
cblr-9983	863	18	capital	capital	NOUN
cblr-9983	863	19	,	,	PUNCT
cblr-9983	863	20	on	on	ADP
cblr-9983	863	21	a	a	DET
cblr-9983	863	22	total	total	ADJ
cblr-9983	863	23	consolidated	consolidated	ADJ
cblr-9983	863	24	basis	basis	NOUN
cblr-9983	863	25	,	,	PUNCT
cblr-9983	863	26	necessary	necessary	ADJ
cblr-9983	863	27	to	to	PART
cblr-9983	863	28	absorb	absorb	VERB
cblr-9983	863	29	losses	loss	NOUN
cblr-9983	863	30	as	as	ADP
cblr-9983	863	31	a	a	DET
cblr-9983	863	32	result	result	NOUN
cblr-9983	863	33	of	of	ADP
cblr-9983	863	34	adverse	adverse	ADJ
cblr-9983	863	35	economic	economic	ADJ
cblr-9983	863	36	conditions	condition	NOUN
cblr-9983	863	37	.	.	PUNCT
cblr-9983	864	1	”141	”141	NOUN
cblr-9983	864	2	this	this	DET
cblr-9983	864	3	language	language	NOUN
cblr-9983	864	4	is	be	AUX
cblr-9983	864	5	echoed	echo	VERB
cblr-9983	864	6	as	as	ADP
cblr-9983	864	7	the	the	DET
cblr-9983	864	8	stated	stated	ADJ
cblr-9983	864	9	purpose	purpose	NOUN
cblr-9983	864	10	of	of	ADP
cblr-9983	864	11	the	the	DET
cblr-9983	864	12	federal	federal	PROPN
cblr-9983	864	13	reserve	reserve	PROPN
cblr-9983	864	14	’s	’s	PART
cblr-9983	864	15	regulation	regulation	NOUN
cblr-9983	864	16	governing	govern	VERB
cblr-9983	864	17	stress	stress	NOUN
cblr-9983	864	18	testing.142	testing.142	PRON
cblr-9983	864	19	even	even	ADV
cblr-9983	864	20	if	if	SCONJ
cblr-9983	864	21	we	we	PRON
cblr-9983	864	22	assume	assume	VERB
cblr-9983	864	23	,	,	PUNCT
cblr-9983	864	24	for	for	ADP
cblr-9983	864	25	the	the	DET
cblr-9983	864	26	sake	sake	NOUN
cblr-9983	864	27	of	of	ADP
cblr-9983	864	28	argument	argument	NOUN
cblr-9983	864	29	,	,	PUNCT
cblr-9983	864	30	that	that	SCONJ
cblr-9983	864	31	the	the	DET
cblr-9983	864	32	supervisory	supervisory	ADJ
cblr-9983	864	33	stress	stress	NOUN
cblr-9983	864	34	model	model	NOUN
cblr-9983	864	35	and	and	CCONJ
cblr-9983	864	36	the	the	DET
cblr-9983	864	37	stress	stress	NOUN
cblr-9983	864	38	scenarios	scenario	NOUN
cblr-9983	864	39	annually	annually	ADV
cblr-9983	864	40	adopted	adopt	VERB
cblr-9983	864	41	by	by	ADP
cblr-9983	864	42	the	the	DET
cblr-9983	864	43	board	board	NOUN
cblr-9983	864	44	of	of	ADP
cblr-9983	864	45	governors	governor	NOUN
cblr-9983	864	46	are	be	AUX
cblr-9983	864	47	rules	rule	NOUN
cblr-9983	864	48	that	that	PRON
cblr-9983	864	49	would	would	AUX
cblr-9983	864	50	otherwise	otherwise	ADV
cblr-9983	864	51	be	be	AUX
cblr-9983	864	52	subject	subject	ADJ
cblr-9983	864	53	to	to	ADP
cblr-9983	864	54	notice	notice	NOUN
cblr-9983	864	55	-	-	PUNCT
cblr-9983	864	56	and	and	CCONJ
cblr-9983	864	57	-	-	PUNCT
cblr-9983	864	58	comment	comment	NOUN
cblr-9983	864	59	requirements	requirement	NOUN
cblr-9983	864	60	,	,	PUNCT
cblr-9983	864	61	there	there	PRON
cblr-9983	864	62	is	be	VERB
cblr-9983	864	63	a	a	DET
cblr-9983	864	64	strong	strong	ADJ
cblr-9983	864	65	case	case	NOUN
cblr-9983	864	66	for	for	ADP
cblr-9983	864	67	applying	apply	VERB
cblr-9983	864	68	the	the	DET
cblr-9983	864	69	statutory	statutory	ADJ
cblr-9983	864	70	good	good	ADJ
cblr-9983	864	71	cause	cause	NOUN
cblr-9983	864	72	exception.143	exception.143	ADP
cblr-9983	864	73	while	while	SCONJ
cblr-9983	864	74	that	that	DET
cblr-9983	864	75	exception	exception	NOUN
cblr-9983	864	76	has	have	VERB
cblr-9983	864	77	generally	generally	ADV
cblr-9983	864	78	,	,	PUNCT
cblr-9983	864	79	and	and	CCONJ
cblr-9983	864	80	rightly	rightly	ADV
cblr-9983	864	81	,	,	PUNCT
cblr-9983	864	82	been	be	AUX
cblr-9983	864	83	narrowly	narrowly	ADV
cblr-9983	864	84	applied	apply	VERB
cblr-9983	864	85	over	over	ADP
cblr-9983	864	86	the	the	DET
cblr-9983	864	87	years,144	years,144	PROPN
cblr-9983	864	88	the	the	DET
cblr-9983	864	89	nature	nature	NOUN
cblr-9983	864	90	of	of	ADP
cblr-9983	864	91	capital	capital	NOUN
cblr-9983	864	92	regulation	regulation	NOUN
cblr-9983	864	93	and	and	CCONJ
cblr-9983	864	94	stress	stress	NOUN
cblr-9983	864	95	testing	testing	NOUN
cblr-9983	864	96	support	support	VERB
cblr-9983	864	97	its	its	PRON
cblr-9983	864	98	application	application	NOUN
cblr-9983	864	99	here	here	ADV
cblr-9983	864	100	.	.	PUNCT
cblr-9983	865	1	141	141	NUM
cblr-9983	865	2	12	12	NUM
cblr-9983	865	3	u.s.c	u.s.c	NOUN
cblr-9983	865	4	.	.	PUNCT
cblr-9983	866	1	§	§	PROPN
cblr-9983	866	2	5365(i)(1)(a	5365(i)(1)(a	NUM
cblr-9983	866	3	)	)	PUNCT
cblr-9983	866	4	(	(	PUNCT
cblr-9983	866	5	2018	2018	NUM
cblr-9983	866	6	)	)	PUNCT
cblr-9983	866	7	.	.	PUNCT
cblr-9983	867	1	142	142	NUM
cblr-9983	867	2	12	12	NUM
cblr-9983	867	3	c.f.r	c.f.r	NOUN
cblr-9983	867	4	.	.	PUNCT
cblr-9983	868	1	§	§	PROPN
cblr-9983	868	2	252.41(b	252.41(b	NUM
cblr-9983	868	3	)	)	PUNCT
cblr-9983	868	4	.	.	PUNCT
cblr-9983	869	1	143	143	NUM
cblr-9983	869	2	the	the	DET
cblr-9983	869	3	apa	apa	PROPN
cblr-9983	869	4	specifies	specify	VERB
cblr-9983	869	5	that	that	PRON
cblr-9983	869	6	its	its	PRON
cblr-9983	869	7	procedural	procedural	ADJ
cblr-9983	869	8	requirements	requirement	NOUN
cblr-9983	869	9	do	do	AUX
cblr-9983	869	10	not	not	PART
cblr-9983	869	11	apply	apply	VERB
cblr-9983	869	12	“	"	PUNCT
cblr-9983	869	13	when	when	SCONJ
cblr-9983	869	14	the	the	DET
cblr-9983	869	15	agency	agency	NOUN
cblr-9983	869	16	for	for	ADP
cblr-9983	869	17	good	good	ADJ
cblr-9983	869	18	cause	cause	NOUN
cblr-9983	869	19	finds	find	VERB
cblr-9983	869	20	(	(	PUNCT
cblr-9983	869	21	and	and	CCONJ
cblr-9983	869	22	incorporates	incorporate	VERB
cblr-9983	869	23	the	the	DET
cblr-9983	869	24	finding	finding	NOUN
cblr-9983	869	25	and	and	CCONJ
cblr-9983	869	26	a	a	DET
cblr-9983	869	27	brief	brief	ADJ
cblr-9983	869	28	statement	statement	NOUN
cblr-9983	869	29	of	of	ADP
cblr-9983	869	30	reasons	reason	NOUN
cblr-9983	869	31	therefor	therefor	VERB
cblr-9983	869	32	in	in	ADP
cblr-9983	869	33	the	the	DET
cblr-9983	869	34	rules	rule	NOUN
cblr-9983	869	35	issued	issue	VERB
cblr-9983	869	36	)	)	PUNCT
cblr-9983	869	37	that	that	PRON
cblr-9983	869	38	notice	notice	VERB
cblr-9983	869	39	and	and	CCONJ
cblr-9983	869	40	public	public	ADJ
cblr-9983	869	41	procedure	procedure	NOUN
cblr-9983	869	42	thereon	thereon	NOUN
cblr-9983	869	43	are	be	AUX
cblr-9983	869	44	impracticable	impracticable	ADJ
cblr-9983	869	45	,	,	PUNCT
cblr-9983	869	46	unnecessary	unnecessary	ADJ
cblr-9983	869	47	,	,	PUNCT
cblr-9983	869	48	or	or	CCONJ
cblr-9983	869	49	contrary	contrary	ADJ
cblr-9983	869	50	to	to	ADP
cblr-9983	869	51	the	the	DET
cblr-9983	869	52	public	public	ADJ
cblr-9983	869	53	interest	interest	NOUN
cblr-9983	869	54	.	.	PUNCT
cblr-9983	869	55	”	"	PUNCT
cblr-9983	870	1	5	5	NUM
cblr-9983	870	2	u.s.c	u.s.c	ADJ
cblr-9983	870	3	.	.	PUNCT
cblr-9983	871	1	§	§	PROPN
cblr-9983	871	2	553(b)(b	553(b)(b	PROPN
cblr-9983	871	3	)	)	PUNCT
cblr-9983	871	4	(	(	PUNCT
cblr-9983	871	5	2018	2018	NUM
cblr-9983	871	6	)	)	PUNCT
cblr-9983	871	7	.	.	PUNCT
cblr-9983	872	1	this	this	PRON
cblr-9983	872	2	is	be	AUX
cblr-9983	872	3	referred	refer	VERB
cblr-9983	872	4	to	to	ADP
cblr-9983	872	5	as	as	ADP
cblr-9983	872	6	the	the	DET
cblr-9983	872	7	“	"	PUNCT
cblr-9983	872	8	good	good	ADJ
cblr-9983	872	9	cause	cause	NOUN
cblr-9983	872	10	exception	exception	NOUN
cblr-9983	872	11	.	.	PUNCT
cblr-9983	872	12	”	"	PUNCT
cblr-9983	873	1	see	see	VERB
cblr-9983	873	2	little	little	ADJ
cblr-9983	873	3	sisters	sister	NOUN
cblr-9983	873	4	of	of	ADP
cblr-9983	873	5	the	the	DET
cblr-9983	873	6	poor	poor	ADJ
cblr-9983	873	7	saints	saint	NOUN
cblr-9983	873	8	peter	peter	PROPN
cblr-9983	873	9	and	and	CCONJ
cblr-9983	873	10	paul	paul	PROPN
cblr-9983	873	11	home	home	PROPN
cblr-9983	873	12	v.	v.	ADP
cblr-9983	873	13	pennsylvania	pennsylvania	PROPN
cblr-9983	873	14	,	,	PUNCT
cblr-9983	873	15	140	140	NUM
cblr-9983	873	16	s.ct	s.ct	NOUN
cblr-9983	873	17	.	.	PROPN
cblr-9983	873	18	2367	2367	NUM
cblr-9983	873	19	,	,	PUNCT
cblr-9983	873	20	2374	2374	NUM
cblr-9983	873	21	(	(	PUNCT
cblr-9983	873	22	2020	2020	NUM
cblr-9983	873	23	)	)	PUNCT
cblr-9983	873	24	.	.	PUNCT
cblr-9983	874	1	144	144	NUM
cblr-9983	874	2	see	see	NOUN
cblr-9983	874	3	.	.	PUNCT
cblr-9983	874	4	,	,	PUNCT
cblr-9983	874	5	e.g.	e.g.	ADV
cblr-9983	874	6	,	,	PUNCT
cblr-9983	874	7	mid	mid	PROPN
cblr-9983	874	8	-	-	PROPN
cblr-9983	874	9	tex	tex	PROPN
cblr-9983	874	10	elec	elec	PROPN
cblr-9983	874	11	.	.	PUNCT
cblr-9983	875	1	co	co	NOUN
cblr-9983	875	2	-	-	NOUN
cblr-9983	875	3	op	op	NOUN
cblr-9983	875	4	,	,	PUNCT
cblr-9983	875	5	inc	inc	PROPN
cblr-9983	875	6	.	.	PROPN
cblr-9983	875	7	v.	v.	PROPN
cblr-9983	875	8	f.e.r.c	f.e.r.c	PROPN
cblr-9983	875	9	.	.	PROPN
cblr-9983	875	10	,	,	PUNCT
cblr-9983	875	11	822	822	NUM
cblr-9983	875	12	f.2d	f.2d	NOUN
cblr-9983	875	13	1123	1123	NUM
cblr-9983	875	14	,	,	PUNCT
cblr-9983	875	15	1132	1132	NUM
cblr-9983	875	16	(	(	PUNCT
cblr-9983	875	17	d.c	d.c	PROPN
cblr-9983	875	18	.	.	PROPN
cblr-9983	875	19	cir	cir	PROPN
cblr-9983	875	20	.	.	PROPN
cblr-9983	875	21	1987	1987	NUM
cblr-9983	875	22	)	)	PUNCT
cblr-9983	875	23	(	(	PUNCT
cblr-9983	875	24	noting	note	VERB
cblr-9983	875	25	that	that	SCONJ
cblr-9983	875	26	the	the	DET
cblr-9983	875	27	exception	exception	NOUN
cblr-9983	875	28	should	should	AUX
cblr-9983	875	29	be	be	AUX
cblr-9983	875	30	“	"	PUNCT
cblr-9983	875	31	narrowly	narrowly	ADV
cblr-9983	875	32	construed	construe	VERB
cblr-9983	875	33	no	no	INTJ
cblr-9983	875	34	.	.	PUNCT
cblr-9983	876	1	1:279	1:279	NOUN
cblr-9983	876	2	]	]	X
cblr-9983	876	3	bank	bank	NOUN
cblr-9983	876	4	supervision	supervision	NOUN
cblr-9983	876	5	and	and	CCONJ
cblr-9983	876	6	administrative	administrative	ADJ
cblr-9983	876	7	law	law	NOUN
cblr-9983	876	8	327	327	NUM
cblr-9983	876	9	there	there	PRON
cblr-9983	876	10	are	be	VERB
cblr-9983	876	11	not	not	PART
cblr-9983	876	12	many	many	ADJ
cblr-9983	876	13	precedents	precedent	NOUN
cblr-9983	876	14	close	close	ADJ
cblr-9983	876	15	to	to	PART
cblr-9983	876	16	point	point	VERB
cblr-9983	876	17	,	,	PUNCT
cblr-9983	876	18	and	and	CCONJ
cblr-9983	876	19	“	"	PUNCT
cblr-9983	876	20	the	the	DET
cblr-9983	876	21	‘	'	PUNCT
cblr-9983	876	22	good	good	ADJ
cblr-9983	876	23	cause	cause	NOUN
cblr-9983	876	24	’	'	PUNCT
cblr-9983	876	25	inquiry	inquiry	NOUN
cblr-9983	876	26	is	be	AUX
cblr-9983	876	27	inevitably	inevitably	ADV
cblr-9983	876	28	factor	factor	ADJ
cblr-9983	876	29	context	context	NOUN
cblr-9983	876	30	dependent	dependent	ADJ
cblr-9983	876	31	.	.	PUNCT
cblr-9983	877	1	”145	”145	PUNCT
cblr-9983	877	2	courts	court	NOUN
cblr-9983	877	3	considering	consider	VERB
cblr-9983	877	4	the	the	DET
cblr-9983	877	5	good	good	ADJ
cblr-9983	877	6	cause	cause	NOUN
cblr-9983	877	7	exception	exception	NOUN
cblr-9983	877	8	have	have	AUX
cblr-9983	877	9	generally	generally	ADV
cblr-9983	877	10	focused	focus	VERB
cblr-9983	877	11	on	on	ADP
cblr-9983	877	12	whether	whether	SCONJ
cblr-9983	877	13	notice	notice	VERB
cblr-9983	877	14	-	-	PUNCT
cblr-9983	877	15	and	and	CCONJ
cblr-9983	877	16	-	-	PUNCT
cblr-9983	877	17	comment	comment	NOUN
cblr-9983	877	18	would	would	AUX
cblr-9983	877	19	undermine	undermine	VERB
cblr-9983	877	20	the	the	DET
cblr-9983	877	21	substantive	substantive	ADJ
cblr-9983	877	22	aim	aim	NOUN
cblr-9983	877	23	of	of	ADP
cblr-9983	877	24	the	the	DET
cblr-9983	877	25	contemplated	contemplated	ADJ
cblr-9983	877	26	agency	agency	NOUN
cblr-9983	877	27	action	action	NOUN
cblr-9983	877	28	,	,	PUNCT
cblr-9983	877	29	as	as	SCONJ
cblr-9983	877	30	opposed	oppose	VERB
cblr-9983	877	31	to	to	ADP
cblr-9983	877	32	a	a	DET
cblr-9983	877	33	simple	simple	ADJ
cblr-9983	877	34	delay	delay	NOUN
cblr-9983	877	35	or	or	CCONJ
cblr-9983	877	36	additional	additional	ADJ
cblr-9983	877	37	inconvenience	inconvenience	NOUN
cblr-9983	877	38	for	for	ADP
cblr-9983	877	39	the	the	DET
cblr-9983	877	40	agency	agency	NOUN
cblr-9983	877	41	.	.	PUNCT
cblr-9983	878	1	the	the	DET
cblr-9983	878	2	d.c	d.c	PROPN
cblr-9983	878	3	.	.	PROPN
cblr-9983	878	4	circuit	circuit	PROPN
cblr-9983	878	5	characterized	characterize	VERB
cblr-9983	878	6	the	the	DET
cblr-9983	878	7	public	public	ADJ
cblr-9983	878	8	interest	interest	NOUN
cblr-9983	878	9	prong	prong	NOUN
cblr-9983	878	10	of	of	ADP
cblr-9983	878	11	the	the	DET
cblr-9983	878	12	rule	rule	NOUN
cblr-9983	878	13	as	as	SCONJ
cblr-9983	878	14	intended	intend	VERB
cblr-9983	878	15	to	to	PART
cblr-9983	878	16	prevent	prevent	VERB
cblr-9983	878	17	situations	situation	NOUN
cblr-9983	878	18	in	in	ADP
cblr-9983	878	19	which	which	PRON
cblr-9983	878	20	“	"	PUNCT
cblr-9983	878	21	announcement	announcement	NOUN
cblr-9983	878	22	of	of	ADP
cblr-9983	878	23	a	a	DET
cblr-9983	878	24	proposed	propose	VERB
cblr-9983	878	25	rule	rule	NOUN
cblr-9983	878	26	would	would	AUX
cblr-9983	878	27	enable	enable	VERB
cblr-9983	878	28	the	the	DET
cblr-9983	878	29	sort	sort	NOUN
cblr-9983	878	30	of	of	ADP
cblr-9983	878	31	financial	financial	ADJ
cblr-9983	878	32	manipulation	manipulation	NOUN
cblr-9983	878	33	the	the	DET
cblr-9983	878	34	rule	rule	NOUN
cblr-9983	878	35	sought	seek	VERB
cblr-9983	878	36	to	to	PART
cblr-9983	878	37	prevent	prevent	VERB
cblr-9983	878	38	.	.	PUNCT
cblr-9983	878	39	”146	”146	PUNCT
cblr-9983	879	1	the	the	DET
cblr-9983	879	2	ninth	ninth	ADJ
cblr-9983	879	3	circuit	circuit	NOUN
cblr-9983	879	4	observed	observe	VERB
cblr-9983	879	5	that	that	SCONJ
cblr-9983	879	6	the	the	DET
cblr-9983	879	7	apa	apa	PROPN
cblr-9983	879	8	“	"	PUNCT
cblr-9983	879	9	is	be	AUX
cblr-9983	879	10	not	not	PART
cblr-9983	879	11	a	a	DET
cblr-9983	879	12	device	device	NOUN
cblr-9983	879	13	by	by	ADP
cblr-9983	879	14	which	which	PRON
cblr-9983	879	15	an	an	DET
cblr-9983	879	16	agency	agency	NOUN
cblr-9983	879	17	may	may	AUX
cblr-9983	879	18	be	be	AUX
cblr-9983	879	19	forced	force	VERB
cblr-9983	879	20	to	to	PART
cblr-9983	879	21	adopt	adopt	VERB
cblr-9983	879	22	a	a	DET
cblr-9983	879	23	less	less	ADV
cblr-9983	879	24	effective	effective	ADJ
cblr-9983	879	25	regulatory	regulatory	ADJ
cblr-9983	879	26	program	program	NOUN
cblr-9983	879	27	in	in	ADP
cblr-9983	879	28	order	order	NOUN
cblr-9983	879	29	to	to	PART
cblr-9983	879	30	more	more	ADV
cblr-9983	879	31	effectively	effectively	ADV
cblr-9983	879	32	comply	comply	VERB
cblr-9983	879	33	with	with	ADP
cblr-9983	879	34	notice	notice	NOUN
cblr-9983	879	35	and	and	CCONJ
cblr-9983	879	36	comment	comment	NOUN
cblr-9983	879	37	procedures	procedure	NOUN
cblr-9983	879	38	”	"	PUNCT
cblr-9983	879	39	and	and	CCONJ
cblr-9983	879	40	that	that	SCONJ
cblr-9983	879	41	“	"	PUNCT
cblr-9983	879	42	[	[	X
cblr-9983	879	43	t]he	t]he	ADJ
cblr-9983	879	44	existence	existence	NOUN
cblr-9983	879	45	of	of	ADP
cblr-9983	879	46	the	the	DET
cblr-9983	879	47	good	good	ADJ
cblr-9983	879	48	cause	cause	NOUN
cblr-9983	879	49	exception	exception	NOUN
cblr-9983	879	50	is	be	AUX
cblr-9983	879	51	proof	proof	NOUN
cblr-9983	879	52	that	that	SCONJ
cblr-9983	879	53	congress	congress	PROPN
cblr-9983	879	54	intended	intend	VERB
cblr-9983	879	55	to	to	PART
cblr-9983	879	56	let	let	VERB
cblr-9983	879	57	agencies	agency	NOUN
cblr-9983	879	58	depart	depart	VERB
cblr-9983	879	59	from	from	ADP
cblr-9983	879	60	normal	normal	ADJ
cblr-9983	879	61	apa	apa	PROPN
cblr-9983	879	62	procedures	procedure	NOUN
cblr-9983	879	63	where	where	SCONJ
cblr-9983	879	64	compliance	compliance	NOUN
cblr-9983	879	65	would	would	AUX
cblr-9983	879	66	jeopardize	jeopardize	VERB
cblr-9983	879	67	their	their	PRON
cblr-9983	879	68	assigned	assign	VERB
cblr-9983	879	69	missions	mission	NOUN
cblr-9983	879	70	.	.	PUNCT
cblr-9983	880	1	”147	”147	PROPN
cblr-9983	880	2	while	while	SCONJ
cblr-9983	880	3	set	set	VERB
cblr-9983	880	4	in	in	ADP
cblr-9983	880	5	a	a	DET
cblr-9983	880	6	different	different	ADJ
cblr-9983	880	7	factual	factual	ADJ
cblr-9983	880	8	context	context	NOUN
cblr-9983	880	9	,	,	PUNCT
cblr-9983	880	10	a	a	DET
cblr-9983	880	11	group	group	NOUN
cblr-9983	880	12	of	of	ADP
cblr-9983	880	13	cases	case	NOUN
cblr-9983	880	14	involving	involve	VERB
cblr-9983	880	15	price	price	NOUN
cblr-9983	880	16	controls	control	NOUN
cblr-9983	880	17	imposed	impose	VERB
cblr-9983	880	18	under	under	ADP
cblr-9983	880	19	laws	law	NOUN
cblr-9983	880	20	enacted	enact	VERB
cblr-9983	880	21	in	in	ADP
cblr-9983	880	22	the	the	PRON
cblr-9983	880	23	and	and	CCONJ
cblr-9983	880	24	reluctantly	reluctantly	ADV
cblr-9983	880	25	countenanced	countenance	VERB
cblr-9983	880	26	”	"	PUNCT
cblr-9983	880	27	)	)	PUNCT
cblr-9983	880	28	.	.	PUNCT
cblr-9983	881	1	in	in	ADP
cblr-9983	881	2	fact	fact	NOUN
cblr-9983	881	3	,	,	PUNCT
cblr-9983	881	4	many	many	ADJ
cblr-9983	881	5	rules	rule	NOUN
cblr-9983	881	6	are	be	AUX
cblr-9983	881	7	issued	issue	VERB
cblr-9983	881	8	without	without	ADP
cblr-9983	881	9	notice	notice	NOUN
cblr-9983	881	10	-	-	PUNCT
cblr-9983	881	11	and	and	CCONJ
cblr-9983	881	12	-	-	PUNCT
cblr-9983	881	13	comment	comment	NOUN
cblr-9983	881	14	,	,	PUNCT
cblr-9983	881	15	in	in	ADP
cblr-9983	881	16	reliance	reliance	NOUN
cblr-9983	881	17	on	on	ADP
cblr-9983	881	18	either	either	CCONJ
cblr-9983	881	19	the	the	DET
cblr-9983	881	20	apa	apa	PROPN
cblr-9983	881	21	good	good	ADJ
cblr-9983	881	22	cause	cause	NOUN
cblr-9983	881	23	exception	exception	NOUN
cblr-9983	881	24	or	or	CCONJ
cblr-9983	881	25	the	the	DET
cblr-9983	881	26	enabling	enabling	ADJ
cblr-9983	881	27	statutory	statutory	ADJ
cblr-9983	881	28	authority	authority	NOUN
cblr-9983	881	29	.	.	PUNCT
cblr-9983	882	1	however	however	ADV
cblr-9983	882	2	,	,	PUNCT
cblr-9983	882	3	many	many	ADJ
cblr-9983	882	4	of	of	ADP
cblr-9983	882	5	these	these	PRON
cblr-9983	882	6	appear	appear	VERB
cblr-9983	882	7	to	to	PART
cblr-9983	882	8	involve	involve	VERB
cblr-9983	882	9	interim	interim	ADJ
cblr-9983	882	10	rules	rule	NOUN
cblr-9983	882	11	followed	follow	VERB
cblr-9983	882	12	by	by	ADP
cblr-9983	882	13	notice	notice	NOUN
cblr-9983	882	14	-	-	PUNCT
cblr-9983	882	15	and	and	CCONJ
cblr-9983	882	16	-	-	PUNCT
cblr-9983	882	17	comment	comment	NOUN
cblr-9983	882	18	,	,	PUNCT
cblr-9983	882	19	statutory	statutory	ADJ
cblr-9983	882	20	deadlines	deadline	NOUN
cblr-9983	882	21	for	for	ADP
cblr-9983	882	22	rulemaking	rulemaking	NOUN
cblr-9983	882	23	,	,	PUNCT
cblr-9983	882	24	or	or	CCONJ
cblr-9983	882	25	instances	instance	NOUN
cblr-9983	882	26	where	where	SCONJ
cblr-9983	882	27	the	the	DET
cblr-9983	882	28	statute	statute	NOUN
cblr-9983	882	29	essentially	essentially	ADV
cblr-9983	882	30	determined	determine	VERB
cblr-9983	882	31	the	the	DET
cblr-9983	882	32	content	content	NOUN
cblr-9983	882	33	of	of	ADP
cblr-9983	882	34	a	a	DET
cblr-9983	882	35	rule	rule	NOUN
cblr-9983	882	36	.	.	PUNCT
cblr-9983	883	1	see	see	VERB
cblr-9983	883	2	u.s	u.s	PROPN
cblr-9983	883	3	.	.	PROPN
cblr-9983	883	4	gov’t	gov’t	NOUN
cblr-9983	883	5	accountability	accountability	NOUN
cblr-9983	883	6	off	off	ADP
cblr-9983	883	7	.	.	PUNCT
cblr-9983	884	1	,	,	PUNCT
cblr-9983	884	2	gao-13	gao-13	NOUN
cblr-9983	884	3	-	-	PUNCT
cblr-9983	884	4	21	21	NUM
cblr-9983	884	5	,	,	PUNCT
cblr-9983	884	6	federal	federal	ADJ
cblr-9983	884	7	rulemaking	rulemaking	NOUN
cblr-9983	884	8	:	:	PUNCT
cblr-9983	884	9	agencies	agency	NOUN
cblr-9983	884	10	could	could	AUX
cblr-9983	884	11	take	take	VERB
cblr-9983	884	12	additional	additional	ADJ
cblr-9983	884	13	steps	step	NOUN
cblr-9983	884	14	to	to	PART
cblr-9983	884	15	respond	respond	VERB
cblr-9983	884	16	to	to	ADP
cblr-9983	884	17	public	public	ADJ
cblr-9983	884	18	comments	comment	NOUN
cblr-9983	884	19	17–18	17–18	NUM
cblr-9983	884	20	(	(	PUNCT
cblr-9983	884	21	2012	2012	NUM
cblr-9983	884	22	)	)	PUNCT
cblr-9983	884	23	.	.	PUNCT
cblr-9983	885	1	145	145	NUM
cblr-9983	885	2	mid	mid	ADJ
cblr-9983	885	3	-	-	PROPN
cblr-9983	885	4	tex	tex	PROPN
cblr-9983	885	5	elec	elec	PROPN
cblr-9983	885	6	.	.	PUNCT
cblr-9983	886	1	co	co	NOUN
cblr-9983	886	2	-	-	NOUN
cblr-9983	886	3	op	op	NOUN
cblr-9983	886	4	,	,	PUNCT
cblr-9983	886	5	822	822	NUM
cblr-9983	886	6	f.2d	f.2d	NOUN
cblr-9983	886	7	at	at	ADP
cblr-9983	886	8	1132	1132	NUM
cblr-9983	886	9	.	.	PUNCT
cblr-9983	887	1	146	146	NUM
cblr-9983	887	2	utility	utility	NOUN
cblr-9983	887	3	solid	solid	ADJ
cblr-9983	887	4	waste	waste	NOUN
cblr-9983	887	5	activities	activity	NOUN
cblr-9983	887	6	grp	grp	PROPN
cblr-9983	887	7	v.	v.	ADP
cblr-9983	887	8	e.p.a	e.p.a	PROPN
cblr-9983	887	9	.	.	PROPN
cblr-9983	887	10	,	,	PUNCT
cblr-9983	887	11	236	236	NUM
cblr-9983	887	12	f.3d	f.3d	NUM
cblr-9983	887	13	749	749	NUM
cblr-9983	887	14	,	,	PUNCT
cblr-9983	887	15	755	755	NUM
cblr-9983	887	16	(	(	PUNCT
cblr-9983	887	17	d.c	d.c	PROPN
cblr-9983	887	18	.	.	PROPN
cblr-9983	887	19	cir	cir	PROPN
cblr-9983	887	20	.	.	PROPN
cblr-9983	887	21	2001	2001	NUM
cblr-9983	887	22	)	)	PUNCT
cblr-9983	887	23	.	.	PUNCT
cblr-9983	888	1	the	the	DET
cblr-9983	888	2	court	court	NOUN
cblr-9983	888	3	,	,	PUNCT
cblr-9983	888	4	referring	refer	VERB
cblr-9983	888	5	back	back	ADV
cblr-9983	888	6	to	to	ADP
cblr-9983	888	7	the	the	DET
cblr-9983	888	8	canonical	canonical	ADJ
cblr-9983	888	9	attorney	attorney	NOUN
cblr-9983	888	10	general	general	NOUN
cblr-9983	888	11	’s	’s	PART
cblr-9983	888	12	manual	manual	NOUN
cblr-9983	888	13	on	on	ADP
cblr-9983	888	14	the	the	DET
cblr-9983	888	15	administrative	administrative	ADJ
cblr-9983	888	16	procedure	procedure	NOUN
cblr-9983	888	17	act	act	NOUN
cblr-9983	888	18	(	(	PUNCT
cblr-9983	888	19	1947	1947	NUM
cblr-9983	888	20	)	)	PUNCT
cblr-9983	888	21	,	,	PUNCT
cblr-9983	888	22	was	be	AUX
cblr-9983	888	23	simply	simply	ADV
cblr-9983	888	24	describing	describe	VERB
cblr-9983	888	25	its	its	PRON
cblr-9983	888	26	understanding	understanding	NOUN
cblr-9983	888	27	of	of	ADP
cblr-9983	888	28	the	the	DET
cblr-9983	888	29	public	public	ADJ
cblr-9983	888	30	interest	interest	NOUN
cblr-9983	888	31	prong	prong	NOUN
cblr-9983	888	32	of	of	ADP
cblr-9983	888	33	the	the	DET
cblr-9983	888	34	good	good	ADJ
cblr-9983	888	35	cause	cause	NOUN
cblr-9983	888	36	exception	exception	NOUN
cblr-9983	888	37	,	,	PUNCT
cblr-9983	888	38	which	which	PRON
cblr-9983	888	39	it	it	PRON
cblr-9983	888	40	did	do	AUX
cblr-9983	888	41	not	not	PART
cblr-9983	888	42	find	find	VERB
cblr-9983	888	43	implicated	implicate	VERB
cblr-9983	888	44	in	in	ADP
cblr-9983	888	45	the	the	DET
cblr-9983	888	46	case	case	NOUN
cblr-9983	888	47	before	before	ADP
cblr-9983	888	48	it	it	PRON
cblr-9983	888	49	.	.	PUNCT
cblr-9983	889	1	the	the	DET
cblr-9983	889	2	attorney	attorney	NOUN
cblr-9983	889	3	general	general	NOUN
cblr-9983	889	4	’s	’s	PART
cblr-9983	889	5	manual	manual	NOUN
cblr-9983	889	6	itself	itself	PRON
cblr-9983	889	7	did	do	AUX
cblr-9983	889	8	not	not	PART
cblr-9983	889	9	elaborate	elaborate	VERB
cblr-9983	889	10	beyond	beyond	ADP
cblr-9983	889	11	saying	say	VERB
cblr-9983	889	12	that	that	SCONJ
cblr-9983	889	13	the	the	DET
cblr-9983	889	14	public	public	ADJ
cblr-9983	889	15	interest	interest	NOUN
cblr-9983	889	16	prong	prong	NOUN
cblr-9983	889	17	of	of	ADP
cblr-9983	889	18	the	the	DET
cblr-9983	889	19	exception	exception	NOUN
cblr-9983	889	20	could	could	AUX
cblr-9983	889	21	be	be	AUX
cblr-9983	889	22	applicable	applicable	ADJ
cblr-9983	889	23	where	where	SCONJ
cblr-9983	889	24	“	"	PUNCT
cblr-9983	889	25	the	the	DET
cblr-9983	889	26	issuance	issuance	NOUN
cblr-9983	889	27	of	of	ADP
cblr-9983	889	28	financial	financial	ADJ
cblr-9983	889	29	controls	control	NOUN
cblr-9983	889	30	[	[	X
cblr-9983	889	31	would	would	AUX
cblr-9983	889	32	take	take	VERB
cblr-9983	889	33	place	place	NOUN
cblr-9983	889	34	]	]	PUNCT
cblr-9983	889	35	under	under	ADP
cblr-9983	889	36	such	such	ADJ
cblr-9983	889	37	circumstances	circumstance	NOUN
cblr-9983	889	38	that	that	PRON
cblr-9983	889	39	advance	advance	VERB
cblr-9983	889	40	notice	notice	NOUN
cblr-9983	889	41	of	of	ADP
cblr-9983	889	42	such	such	ADJ
cblr-9983	889	43	rules	rule	NOUN
cblr-9983	889	44	would	would	AUX
cblr-9983	889	45	tend	tend	VERB
cblr-9983	889	46	to	to	PART
cblr-9983	889	47	defeat	defeat	VERB
cblr-9983	889	48	their	their	PRON
cblr-9983	889	49	purpose	purpose	NOUN
cblr-9983	889	50	.	.	PUNCT
cblr-9983	889	51	”	"	PUNCT
cblr-9983	889	52	attorney	attorney	PROPN
cblr-9983	889	53	general	general	NOUN
cblr-9983	889	54	’s	’s	PART
cblr-9983	889	55	manual	manual	NOUN
cblr-9983	889	56	on	on	ADP
cblr-9983	889	57	the	the	DET
cblr-9983	889	58	administrative	administrative	ADJ
cblr-9983	889	59	procedure	procedure	NOUN
cblr-9983	889	60	act	act	NOUN
cblr-9983	889	61	31	31	NUM
cblr-9983	889	62	(	(	PUNCT
cblr-9983	889	63	1947	1947	NUM
cblr-9983	889	64	)	)	PUNCT
cblr-9983	889	65	.	.	PUNCT
cblr-9983	890	1	147	147	NUM
cblr-9983	890	2	riverbend	riverbend	PROPN
cblr-9983	890	3	farms	farms	PROPN
cblr-9983	890	4	,	,	PUNCT
cblr-9983	890	5	inc	inc	PROPN
cblr-9983	890	6	.	.	PROPN
cblr-9983	891	1	v.	v.	PROPN
cblr-9983	891	2	madigan	madigan	PROPN
cblr-9983	891	3	,	,	PUNCT
cblr-9983	891	4	958	958	NUM
cblr-9983	891	5	f.2d	f.2d	NOUN
cblr-9983	891	6	1479	1479	NUM
cblr-9983	891	7	,	,	PUNCT
cblr-9983	891	8	1484	1484	NUM
cblr-9983	891	9	(	(	PUNCT
cblr-9983	891	10	9th	9th	ADJ
cblr-9983	891	11	cir	cir	NOUN
cblr-9983	891	12	.	.	PROPN
cblr-9983	891	13	1992	1992	NUM
cblr-9983	891	14	)	)	PUNCT
cblr-9983	891	15	.	.	PUNCT
cblr-9983	892	1	328	328	NUM
cblr-9983	892	2	columbia	columbia	PROPN
cblr-9983	892	3	business	business	NOUN
cblr-9983	892	4	law	law	PROPN
cblr-9983	892	5	review	review	NOUN
cblr-9983	892	6	[	[	X
cblr-9983	892	7	vol	vol	NOUN
cblr-9983	892	8	.	.	PUNCT
cblr-9983	892	9	2022	2022	NUM
cblr-9983	892	10	1970s	1970	NOUN
cblr-9983	892	11	supports	support	VERB
cblr-9983	892	12	the	the	DET
cblr-9983	892	13	application	application	NOUN
cblr-9983	892	14	of	of	ADP
cblr-9983	892	15	the	the	DET
cblr-9983	892	16	exception	exception	NOUN
cblr-9983	892	17	for	for	ADP
cblr-9983	892	18	stress	stress	ADJ
cblr-9983	892	19	testing.148	testing.148	NOUN
cblr-9983	892	20	these	these	DET
cblr-9983	892	21	cases	case	NOUN
cblr-9983	892	22	found	find	VERB
cblr-9983	892	23	that	that	SCONJ
cblr-9983	892	24	the	the	DET
cblr-9983	892	25	public	public	ADJ
cblr-9983	892	26	interest	interest	NOUN
cblr-9983	892	27	prong	prong	NOUN
cblr-9983	892	28	of	of	ADP
cblr-9983	892	29	the	the	DET
cblr-9983	892	30	exception	exception	NOUN
cblr-9983	892	31	applied	apply	VERB
cblr-9983	892	32	,	,	PUNCT
cblr-9983	892	33	because	because	SCONJ
cblr-9983	892	34	advance	advance	NOUN
cblr-9983	892	35	notice	notice	NOUN
cblr-9983	892	36	of	of	ADP
cblr-9983	892	37	specific	specific	ADJ
cblr-9983	892	38	price	price	NOUN
cblr-9983	892	39	controls	control	NOUN
cblr-9983	892	40	would	would	AUX
cblr-9983	892	41	incentivize	incentivize	VERB
cblr-9983	892	42	affected	affect	VERB
cblr-9983	892	43	producers	producer	NOUN
cblr-9983	892	44	to	to	PART
cblr-9983	892	45	increase	increase	VERB
cblr-9983	892	46	prices	price	NOUN
cblr-9983	892	47	before	before	SCONJ
cblr-9983	892	48	the	the	DET
cblr-9983	892	49	controls	control	NOUN
cblr-9983	892	50	took	take	VERB
cblr-9983	892	51	effect	effect	NOUN
cblr-9983	892	52	,	,	PUNCT
cblr-9983	892	53	thereby	thereby	ADV
cblr-9983	892	54	undermining	undermine	VERB
cblr-9983	892	55	the	the	DET
cblr-9983	892	56	price	price	NOUN
cblr-9983	892	57	stability	stability	NOUN
cblr-9983	892	58	aims	aim	VERB
cblr-9983	892	59	of	of	ADP
cblr-9983	892	60	the	the	DET
cblr-9983	892	61	regulations	regulation	NOUN
cblr-9983	892	62	.	.	PUNCT
cblr-9983	893	1	here	here	ADV
cblr-9983	893	2	,	,	PUNCT
cblr-9983	893	3	making	make	VERB
cblr-9983	893	4	the	the	DET
cblr-9983	893	5	model	model	NOUN
cblr-9983	893	6	code	code	NOUN
cblr-9983	893	7	and	and	CCONJ
cblr-9983	893	8	scenarios	scenario	NOUN
cblr-9983	893	9	available	available	ADJ
cblr-9983	893	10	in	in	ADP
cblr-9983	893	11	advance	advance	NOUN
cblr-9983	893	12	to	to	ADP
cblr-9983	893	13	banks	bank	NOUN
cblr-9983	893	14	would	would	AUX
cblr-9983	893	15	“	"	PUNCT
cblr-9983	893	16	precipitate	precipitate	VERB
cblr-9983	893	17	activity	activity	NOUN
cblr-9983	893	18	by	by	ADP
cblr-9983	893	19	affected	affected	ADJ
cblr-9983	893	20	parties	party	NOUN
cblr-9983	893	21	that	that	PRON
cblr-9983	893	22	would	would	AUX
cblr-9983	893	23	harm	harm	VERB
cblr-9983	893	24	the	the	DET
cblr-9983	893	25	public	public	ADJ
cblr-9983	893	26	welfare”149	welfare”149	NOUN
cblr-9983	893	27	and	and	CCONJ
cblr-9983	893	28	,	,	PUNCT
cblr-9983	893	29	in	in	ADP
cblr-9983	893	30	the	the	DET
cblr-9983	893	31	process	process	NOUN
cblr-9983	893	32	,	,	PUNCT
cblr-9983	893	33	undermine	undermine	VERB
cblr-9983	893	34	the	the	DET
cblr-9983	893	35	regulatory	regulatory	ADJ
cblr-9983	893	36	purpose	purpose	NOUN
cblr-9983	893	37	of	of	ADP
cblr-9983	893	38	the	the	DET
cblr-9983	893	39	stress	stress	NOUN
cblr-9983	893	40	test	test	NOUN
cblr-9983	893	41	by	by	ADP
cblr-9983	893	42	allowing	allow	VERB
cblr-9983	893	43	banks	bank	NOUN
cblr-9983	893	44	to	to	PART
cblr-9983	893	45	game	game	VERB
cblr-9983	893	46	the	the	DET
cblr-9983	893	47	system	system	NOUN
cblr-9983	893	48	.	.	PUNCT
cblr-9983	894	1	they	they	PRON
cblr-9983	894	2	could	could	AUX
cblr-9983	894	3	take	take	VERB
cblr-9983	894	4	risks	risk	NOUN
cblr-9983	894	5	in	in	ADP
cblr-9983	894	6	areas	area	NOUN
cblr-9983	894	7	not	not	PART
cblr-9983	894	8	wellcaptured	wellcapture	VERB
cblr-9983	894	9	by	by	ADP
cblr-9983	894	10	the	the	DET
cblr-9983	894	11	parameters	parameter	NOUN
cblr-9983	894	12	of	of	ADP
cblr-9983	894	13	the	the	DET
cblr-9983	894	14	supervisory	supervisory	ADJ
cblr-9983	894	15	stress	stress	NOUN
cblr-9983	894	16	model	model	NOUN
cblr-9983	894	17	just	just	ADV
cblr-9983	894	18	to	to	PART
cblr-9983	894	19	minimize	minimize	VERB
cblr-9983	894	20	the	the	DET
cblr-9983	894	21	estimated	estimate	VERB
cblr-9983	894	22	stress	stress	NOUN
cblr-9983	894	23	losses	loss	NOUN
cblr-9983	894	24	.	.	PUNCT
cblr-9983	895	1	with	with	ADP
cblr-9983	895	2	effective	effective	ADJ
cblr-9983	895	3	advance	advance	NOUN
cblr-9983	895	4	notice	notice	NOUN
cblr-9983	895	5	of	of	ADP
cblr-9983	895	6	key	key	ADJ
cblr-9983	895	7	scenario	scenario	NOUN
cblr-9983	895	8	features	feature	NOUN
cblr-9983	895	9	,	,	PUNCT
cblr-9983	895	10	they	they	PRON
cblr-9983	895	11	could	could	AUX
cblr-9983	895	12	adjust	adjust	VERB
cblr-9983	895	13	their	their	PRON
cblr-9983	895	14	balance	balance	NOUN
cblr-9983	895	15	sheets	sheet	NOUN
cblr-9983	895	16	based	base	VERB
cblr-9983	895	17	on	on	ADP
cblr-9983	895	18	their	their	PRON
cblr-9983	895	19	knowledge	knowledge	NOUN
cblr-9983	895	20	of	of	ADP
cblr-9983	895	21	which	which	PRON
cblr-9983	895	22	assets	asset	NOUN
cblr-9983	895	23	would	would	AUX
cblr-9983	895	24	fare	fare	VERB
cblr-9983	895	25	relatively	relatively	ADV
cblr-9983	895	26	well	well	ADV
cblr-9983	895	27	under	under	ADP
cblr-9983	895	28	the	the	DET
cblr-9983	895	29	scenario	scenario	NOUN
cblr-9983	895	30	/	/	SYM
cblr-9983	895	31	model	model	NOUN
cblr-9983	895	32	combination	combination	NOUN
cblr-9983	895	33	.	.	PUNCT
cblr-9983	896	1	stress	stress	NOUN
cblr-9983	896	2	testing	testing	NOUN
cblr-9983	896	3	would	would	AUX
cblr-9983	896	4	then	then	ADV
cblr-9983	896	5	be	be	AUX
cblr-9983	896	6	less	less	ADV
cblr-9983	896	7	effective	effective	ADJ
cblr-9983	896	8	,	,	PUNCT
cblr-9983	896	9	quite	quite	ADV
cblr-9983	896	10	possibly	possibly	ADV
cblr-9983	896	11	substantially	substantially	ADV
cblr-9983	896	12	so.150	so.150	VERB
cblr-9983	896	13	an	an	DET
cblr-9983	896	14	additional	additional	ADJ
cblr-9983	896	15	concern	concern	NOUN
cblr-9983	896	16	is	be	AUX
cblr-9983	896	17	that	that	SCONJ
cblr-9983	896	18	the	the	DET
cblr-9983	896	19	148	148	NUM
cblr-9983	896	20	see	see	NOUN
cblr-9983	896	21	,	,	PUNCT
cblr-9983	896	22	e.g.	e.g.	ADV
cblr-9983	896	23	,	,	PUNCT
cblr-9983	896	24	see	see	VERB
cblr-9983	896	25	mobil	mobil	PROPN
cblr-9983	896	26	oil	oil	PROPN
cblr-9983	896	27	corp	corp	PROPN
cblr-9983	896	28	.	.	PROPN
cblr-9983	897	1	v.	v.	ADP
cblr-9983	897	2	dep’t	dep’t	NOUN
cblr-9983	897	3	of	of	ADP
cblr-9983	897	4	energy	energy	NOUN
cblr-9983	897	5	,	,	PUNCT
cblr-9983	897	6	728	728	NUM
cblr-9983	897	7	f.2d	f.2d	NOUN
cblr-9983	897	8	1477	1477	NUM
cblr-9983	897	9	,	,	PUNCT
cblr-9983	897	10	1491	1491	NUM
cblr-9983	897	11	–	–	PUNCT
cblr-9983	897	12	92	92	NUM
cblr-9983	897	13	(	(	PUNCT
cblr-9983	897	14	temp	temp	NOUN
cblr-9983	897	15	.	.	PUNCT
cblr-9983	898	1	emer	emer	PROPN
cblr-9983	898	2	.	.	PUNCT
cblr-9983	899	1	ct	ct	PROPN
cblr-9983	899	2	.	.	PUNCT
cblr-9983	900	1	app	app	PROPN
cblr-9983	900	2	.	.	PROPN
cblr-9983	900	3	1983	1983	NUM
cblr-9983	900	4	)	)	PUNCT
cblr-9983	900	5	;	;	PUNCT
cblr-9983	900	6	tasty	tasty	ADJ
cblr-9983	900	7	baking	baking	PROPN
cblr-9983	900	8	co.	co.	PROPN
cblr-9983	900	9	v.	v.	ADP
cblr-9983	900	10	cost	cost	NOUN
cblr-9983	900	11	of	of	ADP
cblr-9983	900	12	living	living	NOUN
cblr-9983	900	13	council	council	NOUN
cblr-9983	900	14	,	,	PUNCT
cblr-9983	900	15	529	529	NUM
cblr-9983	900	16	f.2d	f.2d	NOUN
cblr-9983	900	17	1005	1005	NUM
cblr-9983	900	18	,	,	PUNCT
cblr-9983	900	19	1015	1015	NUM
cblr-9983	900	20	(	(	PUNCT
cblr-9983	900	21	temp	temp	NOUN
cblr-9983	900	22	.	.	PUNCT
cblr-9983	901	1	emer	emer	PROPN
cblr-9983	901	2	.	.	PUNCT
cblr-9983	902	1	ct	ct	PROPN
cblr-9983	902	2	.	.	PUNCT
cblr-9983	903	1	app	app	PROPN
cblr-9983	903	2	.	.	PROPN
cblr-9983	903	3	1975	1975	NUM
cblr-9983	903	4	)	)	PUNCT
cblr-9983	904	1	;	;	PUNCT
cblr-9983	904	2	nader	nader	PROPN
cblr-9983	904	3	v.	v.	PROPN
cblr-9983	904	4	sawhill	sawhill	PROPN
cblr-9983	904	5	,	,	PUNCT
cblr-9983	904	6	514	514	NUM
cblr-9983	904	7	f.2d	f.2d	NOUN
cblr-9983	904	8	1064	1064	NUM
cblr-9983	904	9	,	,	PUNCT
cblr-9983	904	10	1068	1068	NUM
cblr-9983	904	11	(	(	PUNCT
cblr-9983	904	12	temp	temp	NOUN
cblr-9983	904	13	.	.	PUNCT
cblr-9983	905	1	emer	emer	PROPN
cblr-9983	905	2	.	.	PUNCT
cblr-9983	906	1	ct	ct	PROPN
cblr-9983	906	2	.	.	PUNCT
cblr-9983	907	1	app	app	PROPN
cblr-9983	907	2	.	.	PROPN
cblr-9983	907	3	1975	1975	NUM
cblr-9983	907	4	)	)	PUNCT
cblr-9983	908	1	;	;	PUNCT
cblr-9983	908	2	reeves	reeves	PROPN
cblr-9983	908	3	v.	v.	PROPN
cblr-9983	908	4	simon	simon	PROPN
cblr-9983	908	5	,	,	PUNCT
cblr-9983	908	6	507	507	NUM
cblr-9983	908	7	f.2d	f.2d	NUM
cblr-9983	908	8	455	455	NUM
cblr-9983	908	9	,	,	PUNCT
cblr-9983	908	10	458–59	458–59	PROPN
cblr-9983	908	11	(	(	PUNCT
cblr-9983	908	12	temp	temp	NOUN
cblr-9983	908	13	.	.	PUNCT
cblr-9983	909	1	emer	emer	PROPN
cblr-9983	909	2	.	.	PUNCT
cblr-9983	910	1	ct	ct	PROPN
cblr-9983	910	2	.	.	PUNCT
cblr-9983	911	1	app	app	PROPN
cblr-9983	911	2	.	.	PROPN
cblr-9983	911	3	1974	1974	NUM
cblr-9983	911	4	)	)	PUNCT
cblr-9983	911	5	;	;	PUNCT
cblr-9983	912	1	derieux	derieux	NOUN
cblr-9983	912	2	v.	v.	ADP
cblr-9983	912	3	five	five	NUM
cblr-9983	912	4	smiths	smith	NOUN
cblr-9983	912	5	,	,	PUNCT
cblr-9983	912	6	inc	inc	PROPN
cblr-9983	912	7	.	.	PROPN
cblr-9983	912	8	,	,	PUNCT
cblr-9983	912	9	499	499	NUM
cblr-9983	912	10	f.2d	f.2d	NOUN
cblr-9983	912	11	1321	1321	NUM
cblr-9983	912	12	,	,	PUNCT
cblr-9983	912	13	1332	1332	NUM
cblr-9983	912	14	(	(	PUNCT
cblr-9983	912	15	temp	temp	NOUN
cblr-9983	912	16	.	.	PUNCT
cblr-9983	913	1	emer	emer	PROPN
cblr-9983	913	2	.	.	PUNCT
cblr-9983	914	1	ct	ct	PROPN
cblr-9983	914	2	.	.	PUNCT
cblr-9983	915	1	app	app	PROPN
cblr-9983	915	2	.	.	PROPN
cblr-9983	915	3	1974	1974	NUM
cblr-9983	915	4	)	)	PUNCT
cblr-9983	915	5	.	.	PUNCT
cblr-9983	916	1	most	most	ADV
cblr-9983	916	2	far	far	ADV
cblr-9983	916	3	-	-	PUNCT
cblr-9983	916	4	reaching	reach	VERB
cblr-9983	916	5	of	of	ADP
cblr-9983	916	6	the	the	DET
cblr-9983	916	7	statutory	statutory	ADJ
cblr-9983	916	8	authorities	authority	NOUN
cblr-9983	916	9	was	be	AUX
cblr-9983	916	10	the	the	DET
cblr-9983	916	11	economic	economic	ADJ
cblr-9983	916	12	stabilization	stabilization	NOUN
cblr-9983	916	13	act	act	NOUN
cblr-9983	916	14	of	of	ADP
cblr-9983	916	15	1970	1970	NUM
cblr-9983	916	16	,	,	PUNCT
cblr-9983	916	17	pub	pub	NOUN
cblr-9983	916	18	.	.	PUNCT
cblr-9983	917	1	l.	l.	PROPN
cblr-9983	917	2	no	no	INTJ
cblr-9983	917	3	.	.	PROPN
cblr-9983	918	1	91	91	NUM
cblr-9983	918	2	-	-	SYM
cblr-9983	918	3	379	379	NUM
cblr-9983	918	4	,	,	PUNCT
cblr-9983	918	5	84	84	NUM
cblr-9983	918	6	stat	stat	NOUN
cblr-9983	918	7	.	.	PUNCT
cblr-9983	919	1	799	799	NUM
cblr-9983	919	2	,	,	PUNCT
cblr-9983	919	3	which	which	PRON
cblr-9983	919	4	president	president	PROPN
cblr-9983	919	5	nixon	nixon	PROPN
cblr-9983	919	6	used	use	VERB
cblr-9983	919	7	to	to	PART
cblr-9983	919	8	impose	impose	VERB
cblr-9983	919	9	controls	control	NOUN
cblr-9983	919	10	between	between	ADP
cblr-9983	919	11	late	late	ADJ
cblr-9983	919	12	1971	1971	NUM
cblr-9983	919	13	and	and	CCONJ
cblr-9983	919	14	early	early	ADJ
cblr-9983	919	15	1973	1973	NUM
cblr-9983	919	16	.	.	PUNCT
cblr-9983	920	1	edward	edward	PROPN
cblr-9983	920	2	cowan	cowan	PROPN
cblr-9983	920	3	,	,	PUNCT
cblr-9983	920	4	mandatory	mandatory	ADJ
cblr-9983	920	5	wage	wage	NOUN
cblr-9983	920	6	-	-	PUNCT
cblr-9983	920	7	price	price	NOUN
cblr-9983	920	8	controls	control	NOUN
cblr-9983	920	9	ended	end	VERB
cblr-9983	920	10	except	except	SCONJ
cblr-9983	920	11	in	in	ADP
cblr-9983	920	12	food	food	NOUN
cblr-9983	920	13	,	,	PUNCT
cblr-9983	920	14	health	health	NOUN
cblr-9983	920	15	,	,	PUNCT
cblr-9983	920	16	building	building	NOUN
cblr-9983	920	17	fields	field	NOUN
cblr-9983	920	18	;	;	PUNCT
cblr-9983	920	19	nixon	nixon	PROPN
cblr-9983	920	20	calls	call	VERB
cblr-9983	920	21	for	for	ADP
cblr-9983	920	22	voluntary	voluntary	ADJ
cblr-9983	920	23	compliance	compliance	NOUN
cblr-9983	920	24	,	,	PUNCT
cblr-9983	920	25	n.y	n.y	PROPN
cblr-9983	920	26	.	.	PROPN
cblr-9983	920	27	times	times	PROPN
cblr-9983	920	28	(	(	PUNCT
cblr-9983	920	29	jan	jan	PROPN
cblr-9983	920	30	.	.	PROPN
cblr-9983	920	31	12	12	NUM
cblr-9983	920	32	,	,	PUNCT
cblr-9983	920	33	1973	1973	NUM
cblr-9983	920	34	)	)	PUNCT
cblr-9983	920	35	.	.	PUNCT
cblr-9983	921	1	the	the	DET
cblr-9983	921	2	authority	authority	NOUN
cblr-9983	921	3	to	to	PART
cblr-9983	921	4	control	control	VERB
cblr-9983	921	5	prices	price	NOUN
cblr-9983	921	6	lapsed	lapse	VERB
cblr-9983	921	7	in	in	ADP
cblr-9983	921	8	1974	1974	NUM
cblr-9983	921	9	.	.	PUNCT
cblr-9983	922	1	edward	edward	PROPN
cblr-9983	922	2	cowan	cowan	PROPN
cblr-9983	922	3	,	,	PUNCT
cblr-9983	922	4	wage	wage	NOUN
cblr-9983	922	5	-	-	PUNCT
cblr-9983	922	6	price	price	NOUN
cblr-9983	922	7	controls	control	NOUN
cblr-9983	922	8	quietly	quietly	ADV
cblr-9983	922	9	expire	expire	VERB
cblr-9983	922	10	,	,	PUNCT
cblr-9983	922	11	n.y	n.y	PROPN
cblr-9983	922	12	.	.	PROPN
cblr-9983	922	13	times	times	PROPN
cblr-9983	922	14	(	(	PUNCT
cblr-9983	922	15	may	may	PROPN
cblr-9983	922	16	1	1	NUM
cblr-9983	922	17	,	,	PUNCT
cblr-9983	922	18	1974	1974	NUM
cblr-9983	922	19	)	)	PUNCT
cblr-9983	922	20	,	,	PUNCT
cblr-9983	922	21	https://www.nytimes.com/1974/05/01/archives/wageprice-controls-quietlyexpire-special-to-the-new-york-times.html	https://www.nytimes.com/1974/05/01/archives/wageprice-controls-quietlyexpire-special-to-the-new-york-times.html	X
cblr-9983	923	1	[	[	X
cblr-9983	923	2	https://perma.cc/8fr2-kyzk	https://perma.cc/8fr2-kyzk	X
cblr-9983	923	3	]	]	X
cblr-9983	923	4	;	;	PUNCT
cblr-9983	923	5	see	see	VERB
cblr-9983	923	6	economic	economic	ADJ
cblr-9983	923	7	stabilization	stabilization	NOUN
cblr-9983	923	8	act	act	NOUN
cblr-9983	923	9	amendments	amendment	NOUN
cblr-9983	923	10	of	of	ADP
cblr-9983	923	11	1973	1973	NUM
cblr-9983	923	12	,	,	PUNCT
cblr-9983	923	13	pub	pub	NOUN
cblr-9983	923	14	.	.	PUNCT
cblr-9983	924	1	l.	l.	PROPN
cblr-9983	924	2	93	93	NUM
cblr-9983	924	3	-	-	SYM
cblr-9983	924	4	28	28	NUM
cblr-9983	924	5	,	,	PUNCT
cblr-9983	924	6	§	§	PROPN
cblr-9983	924	7	8	8	NUM
cblr-9983	924	8	,	,	PUNCT
cblr-9983	924	9	87	87	NUM
cblr-9983	924	10	stat	stat	NOUN
cblr-9983	924	11	.	.	PUNCT
cblr-9983	925	1	27	27	NUM
cblr-9983	925	2	,	,	PUNCT
cblr-9983	925	3	29	29	NUM
cblr-9983	925	4	(	(	PUNCT
cblr-9983	925	5	extending	extend	VERB
cblr-9983	925	6	the	the	DET
cblr-9983	925	7	economic	economic	ADJ
cblr-9983	925	8	stabilization	stabilization	NOUN
cblr-9983	925	9	act	act	NOUN
cblr-9983	925	10	until	until	ADP
cblr-9983	925	11	may	may	PROPN
cblr-9983	925	12	1	1	NUM
cblr-9983	925	13	,	,	PUNCT
cblr-9983	925	14	1974	1974	NUM
cblr-9983	925	15	)	)	PUNCT
cblr-9983	925	16	.	.	PUNCT
cblr-9983	926	1	149	149	NUM
cblr-9983	926	2	mobil	mobil	PROPN
cblr-9983	926	3	oil	oil	PROPN
cblr-9983	926	4	corp	corp	PROPN
cblr-9983	926	5	.	.	PROPN
cblr-9983	926	6	,	,	PUNCT
cblr-9983	926	7	728	728	NUM
cblr-9983	926	8	f.2d	f.2d	NOUN
cblr-9983	926	9	at	at	ADP
cblr-9983	926	10	1492	1492	NUM
cblr-9983	926	11	.	.	PUNCT
cblr-9983	927	1	150	150	NUM
cblr-9983	927	2	the	the	DET
cblr-9983	927	3	ccmr	ccmr	NOUN
cblr-9983	927	4	report	report	NOUN
cblr-9983	927	5	supra	supra	PROPN
cblr-9983	927	6	note	note	PROPN
cblr-9983	927	7	8	8	NUM
cblr-9983	927	8	,	,	PUNCT
cblr-9983	927	9	addressed	address	VERB
cblr-9983	927	10	the	the	DET
cblr-9983	927	11	good	good	ADJ
cblr-9983	927	12	cause	cause	NOUN
cblr-9983	927	13	exception	exception	NOUN
cblr-9983	927	14	,	,	PUNCT
cblr-9983	927	15	arguing	argue	VERB
cblr-9983	927	16	that	that	SCONJ
cblr-9983	927	17	it	it	PRON
cblr-9983	927	18	is	be	AUX
cblr-9983	927	19	inapplicable	inapplicable	ADJ
cblr-9983	927	20	to	to	ADP
cblr-9983	927	21	either	either	PRON
cblr-9983	927	22	scenario	scenario	NOUN
cblr-9983	927	23	design	design	NOUN
cblr-9983	927	24	or	or	CCONJ
cblr-9983	927	25	model	model	NOUN
cblr-9983	927	26	code	code	PROPN
cblr-9983	927	27	.	.	PUNCT
cblr-9983	928	1	as	as	ADP
cblr-9983	928	2	to	to	ADP
cblr-9983	928	3	the	the	DET
cblr-9983	928	4	former	former	ADJ
cblr-9983	928	5	,	,	PUNCT
cblr-9983	928	6	ccmr	ccmr	NOUN
cblr-9983	928	7	identifies	identify	VERB
cblr-9983	928	8	the	the	DET
cblr-9983	928	9	“	"	PUNCT
cblr-9983	928	10	impracticality	impracticality	NOUN
cblr-9983	928	11	”	"	PUNCT
cblr-9983	928	12	prong	prong	NOUN
cblr-9983	928	13	as	as	ADP
cblr-9983	928	14	the	the	DET
cblr-9983	928	15	relevant	relevant	ADJ
cblr-9983	928	16	one	one	NUM
cblr-9983	928	17	.	.	PUNCT
cblr-9983	929	1	but	but	CCONJ
cblr-9983	929	2	,	,	PUNCT
cblr-9983	929	3	as	as	SCONJ
cblr-9983	929	4	explained	explain	VERB
cblr-9983	929	5	in	in	ADP
cblr-9983	929	6	the	the	DET
cblr-9983	929	7	text	text	NOUN
cblr-9983	929	8	,	,	PUNCT
cblr-9983	929	9	it	it	PRON
cblr-9983	929	10	is	be	AUX
cblr-9983	929	11	really	really	ADV
cblr-9983	929	12	the	the	DET
cblr-9983	929	13	public	public	ADJ
cblr-9983	929	14	interest	interest	NOUN
cblr-9983	929	15	prong	prong	NOUN
cblr-9983	929	16	that	that	PRON
cblr-9983	929	17	is	be	AUX
cblr-9983	929	18	at	at	ADP
cblr-9983	929	19	issue	issue	NOUN
cblr-9983	929	20	,	,	PUNCT
cblr-9983	929	21	since	since	SCONJ
cblr-9983	929	22	the	the	DET
cblr-9983	929	23	value	value	NOUN
cblr-9983	929	24	of	of	ADP
cblr-9983	929	25	stress	stress	NOUN
cblr-9983	929	26	testing	testing	NOUN
cblr-9983	929	27	is	be	AUX
cblr-9983	929	28	undermined	undermined	ADJ
cblr-9983	929	29	if	if	SCONJ
cblr-9983	929	30	the	the	DET
cblr-9983	929	31	banks	bank	NOUN
cblr-9983	929	32	have	have	VERB
cblr-9983	929	33	the	the	DET
cblr-9983	929	34	scenarios	scenario	NOUN
cblr-9983	929	35	in	in	ADP
cblr-9983	929	36	advance	advance	NOUN
cblr-9983	929	37	.	.	PUNCT
cblr-9983	930	1	as	as	ADP
cblr-9983	930	2	to	to	ADP
cblr-9983	930	3	the	the	DET
cblr-9983	930	4	latter	latter	ADJ
cblr-9983	930	5	,	,	PUNCT
cblr-9983	930	6	ccmr	ccmr	NOUN
cblr-9983	930	7	argues	argue	VERB
cblr-9983	930	8	that	that	SCONJ
cblr-9983	930	9	no	no	INTJ
cblr-9983	930	10	.	.	PUNCT
cblr-9983	931	1	1:279	1:279	NOUN
cblr-9983	931	2	]	]	X
cblr-9983	931	3	bank	bank	NOUN
cblr-9983	931	4	supervision	supervision	NOUN
cblr-9983	931	5	and	and	CCONJ
cblr-9983	931	6	administrative	administrative	ADJ
cblr-9983	931	7	law	law	NOUN
cblr-9983	931	8	329	329	NUM
cblr-9983	931	9	delay	delay	NOUN
cblr-9983	931	10	entailed	entail	VERB
cblr-9983	931	11	in	in	ADP
cblr-9983	931	12	a	a	DET
cblr-9983	931	13	notice	notice	NOUN
cblr-9983	931	14	-	-	PUNCT
cblr-9983	931	15	and	and	CCONJ
cblr-9983	931	16	-	-	PUNCT
cblr-9983	931	17	comment	comment	NOUN
cblr-9983	931	18	proceeding	proceeding	NOUN
cblr-9983	931	19	would	would	AUX
cblr-9983	931	20	risk	risk	VERB
cblr-9983	931	21	making	make	VERB
cblr-9983	931	22	the	the	DET
cblr-9983	931	23	stress	stress	NOUN
cblr-9983	931	24	scenario	scenario	NOUN
cblr-9983	931	25	stale.151	stale.151	PROPN
cblr-9983	931	26	gaming	gaming	NOUN
cblr-9983	931	27	of	of	ADP
cblr-9983	931	28	the	the	DET
cblr-9983	931	29	model	model	NOUN
cblr-9983	931	30	is	be	AUX
cblr-9983	931	31	not	not	PART
cblr-9983	931	32	an	an	DET
cblr-9983	931	33	adequate	adequate	ADJ
cblr-9983	931	34	reason	reason	NOUN
cblr-9983	931	35	for	for	ADP
cblr-9983	931	36	withholding	withhold	VERB
cblr-9983	931	37	the	the	DET
cblr-9983	931	38	code	code	NOUN
cblr-9983	931	39	because	because	SCONJ
cblr-9983	931	40	the	the	DET
cblr-9983	931	41	federal	federal	PROPN
cblr-9983	931	42	reserve	reserve	PROPN
cblr-9983	931	43	could	could	AUX
cblr-9983	931	44	“	"	PUNCT
cblr-9983	931	45	object	object	VERB
cblr-9983	931	46	to	to	ADP
cblr-9983	931	47	a	a	DET
cblr-9983	931	48	bank	bank	NOUN
cblr-9983	931	49	’s	’s	PART
cblr-9983	931	50	capital	capital	NOUN
cblr-9983	931	51	plan	plan	NOUN
cblr-9983	931	52	if	if	SCONJ
cblr-9983	931	53	[	[	X
cblr-9983	931	54	it	it	PRON
cblr-9983	931	55	]	]	PUNCT
cblr-9983	931	56	suspected	suspect	VERB
cblr-9983	931	57	a	a	DET
cblr-9983	931	58	bank	bank	NOUN
cblr-9983	931	59	of	of	ADP
cblr-9983	931	60	gaming	game	VERB
cblr-9983	931	61	the	the	DET
cblr-9983	931	62	tests	test	NOUN
cblr-9983	931	63	.	.	PUNCT
cblr-9983	931	64	”	"	PUNCT
cblr-9983	932	1	i	i	PRON
cblr-9983	932	2	d.	d.	PROPN
cblr-9983	932	3	at	at	ADP
cblr-9983	932	4	19	19	NUM
cblr-9983	932	5	.	.	PUNCT
cblr-9983	933	1	the	the	DET
cblr-9983	933	2	ccmr	ccmr	NOUN
cblr-9983	933	3	suggests	suggest	VERB
cblr-9983	933	4	that	that	SCONJ
cblr-9983	933	5	the	the	DET
cblr-9983	933	6	federal	federal	PROPN
cblr-9983	933	7	reserve	reserve	PROPN
cblr-9983	933	8	could	could	AUX
cblr-9983	933	9	develop	develop	VERB
cblr-9983	933	10	what	what	PRON
cblr-9983	933	11	would	would	AUX
cblr-9983	933	12	necessarily	necessarily	ADV
cblr-9983	933	13	be	be	AUX
cblr-9983	933	14	an	an	DET
cblr-9983	933	15	elaborate	elaborate	ADJ
cblr-9983	933	16	monitoring	monitoring	NOUN
cblr-9983	933	17	system	system	NOUN
cblr-9983	933	18	,	,	PUNCT
cblr-9983	933	19	including	include	VERB
cblr-9983	933	20	analysis	analysis	NOUN
cblr-9983	933	21	of	of	ADP
cblr-9983	933	22	the	the	DET
cblr-9983	933	23	data	datum	NOUN
cblr-9983	933	24	it	it	PRON
cblr-9983	933	25	receives	receive	VERB
cblr-9983	933	26	throughout	throughout	ADP
cblr-9983	933	27	the	the	DET
cblr-9983	933	28	year	year	NOUN
cblr-9983	933	29	,	,	PUNCT
cblr-9983	933	30	in	in	ADP
cblr-9983	933	31	order	order	NOUN
cblr-9983	933	32	to	to	PART
cblr-9983	933	33	determine	determine	VERB
cblr-9983	933	34	if	if	SCONJ
cblr-9983	933	35	gaming	gaming	NOUN
cblr-9983	933	36	is	be	AUX
cblr-9983	933	37	present	present	ADJ
cblr-9983	933	38	.	.	PUNCT
cblr-9983	934	1	this	this	DET
cblr-9983	934	2	effort	effort	NOUN
cblr-9983	934	3	to	to	PART
cblr-9983	934	4	require	require	VERB
cblr-9983	934	5	a	a	DET
cblr-9983	934	6	massive	massive	ADJ
cblr-9983	934	7	(	(	PUNCT
cblr-9983	934	8	and	and	CCONJ
cblr-9983	934	9	likely	likely	ADV
cblr-9983	934	10	less	less	ADJ
cblr-9983	934	11	than	than	ADP
cblr-9983	934	12	effective	effective	ADJ
cblr-9983	934	13	)	)	PUNCT
cblr-9983	934	14	monitoring	monitor	VERB
cblr-9983	934	15	exercise	exercise	NOUN
cblr-9983	934	16	by	by	ADP
cblr-9983	934	17	the	the	DET
cblr-9983	934	18	federal	federal	PROPN
cblr-9983	934	19	reserve	reserve	PROPN
cblr-9983	934	20	to	to	PART
cblr-9983	934	21	uncover	uncover	VERB
cblr-9983	934	22	what	what	PRON
cblr-9983	934	23	will	will	AUX
cblr-9983	934	24	almost	almost	ADV
cblr-9983	934	25	surely	surely	ADV
cblr-9983	934	26	occur	occur	VERB
cblr-9983	934	27	(	(	PUNCT
cblr-9983	934	28	and	and	CCONJ
cblr-9983	934	29	,	,	PUNCT
cblr-9983	934	30	presumably	presumably	ADV
cblr-9983	934	31	,	,	PUNCT
cblr-9983	934	32	be	be	AUX
cblr-9983	934	33	hidden	hide	VERB
cblr-9983	934	34	by	by	ADP
cblr-9983	934	35	banks	bank	NOUN
cblr-9983	934	36	to	to	ADP
cblr-9983	934	37	the	the	DET
cblr-9983	934	38	degree	degree	NOUN
cblr-9983	934	39	possible	possible	ADJ
cblr-9983	934	40	)	)	PUNCT
cblr-9983	934	41	almost	almost	ADV
cblr-9983	934	42	proves	prove	VERB
cblr-9983	934	43	the	the	DET
cblr-9983	934	44	public	public	ADJ
cblr-9983	934	45	interest	interest	NOUN
cblr-9983	934	46	need	need	VERB
cblr-9983	934	47	for	for	ADP
cblr-9983	934	48	maintaining	maintain	VERB
cblr-9983	934	49	the	the	DET
cblr-9983	934	50	secrecy	secrecy	NOUN
cblr-9983	934	51	of	of	ADP
cblr-9983	934	52	the	the	DET
cblr-9983	934	53	code	code	NOUN
cblr-9983	934	54	.	.	PUNCT
cblr-9983	935	1	the	the	DET
cblr-9983	935	2	ccmr	ccmr	NOUN
cblr-9983	935	3	suggests	suggest	VERB
cblr-9983	935	4	elsewhere	elsewhere	ADV
cblr-9983	935	5	in	in	ADP
cblr-9983	935	6	the	the	DET
cblr-9983	935	7	report	report	NOUN
cblr-9983	935	8	that	that	SCONJ
cblr-9983	935	9	it	it	PRON
cblr-9983	935	10	is	be	AUX
cblr-9983	935	11	unclear	unclear	ADJ
cblr-9983	935	12	if	if	SCONJ
cblr-9983	935	13	the	the	DET
cblr-9983	935	14	stress	stress	NOUN
cblr-9983	935	15	test	test	NOUN
cblr-9983	935	16	would	would	AUX
cblr-9983	935	17	be	be	AUX
cblr-9983	935	18	gamed	game	VERB
cblr-9983	935	19	and	and	CCONJ
cblr-9983	935	20	that	that	SCONJ
cblr-9983	935	21	the	the	DET
cblr-9983	935	22	burden	burden	NOUN
cblr-9983	935	23	should	should	AUX
cblr-9983	935	24	be	be	AUX
cblr-9983	935	25	on	on	ADP
cblr-9983	935	26	the	the	DET
cblr-9983	935	27	federal	federal	PROPN
cblr-9983	935	28	reserve	reserve	PROPN
cblr-9983	935	29	to	to	PART
cblr-9983	935	30	prove	prove	VERB
cblr-9983	935	31	that	that	SCONJ
cblr-9983	935	32	gaming	gaming	NOUN
cblr-9983	935	33	has	have	AUX
cblr-9983	935	34	taken	take	VERB
cblr-9983	935	35	place	place	NOUN
cblr-9983	935	36	.	.	PUNCT
cblr-9983	936	1	i	i	PRON
cblr-9983	936	2	d.	d.	PROPN
cblr-9983	936	3	at	at	ADP
cblr-9983	936	4	21–22	21–22	NUM
cblr-9983	936	5	.	.	PUNCT
cblr-9983	937	1	considering	consider	VERB
cblr-9983	937	2	that	that	SCONJ
cblr-9983	937	3	capital	capital	NOUN
cblr-9983	937	4	“	"	PUNCT
cblr-9983	937	5	optimization	optimization	NOUN
cblr-9983	937	6	”	"	PUNCT
cblr-9983	937	7	is	be	AUX
cblr-9983	937	8	a	a	DET
cblr-9983	937	9	constant	constant	ADJ
cblr-9983	937	10	effort	effort	NOUN
cblr-9983	937	11	by	by	ADP
cblr-9983	937	12	banks	bank	NOUN
cblr-9983	937	13	,	,	PUNCT
cblr-9983	937	14	and	and	CCONJ
cblr-9983	937	15	a	a	DET
cblr-9983	937	16	rich	rich	ADJ
cblr-9983	937	17	source	source	NOUN
cblr-9983	937	18	of	of	ADP
cblr-9983	937	19	fees	fee	NOUN
cblr-9983	937	20	to	to	ADP
cblr-9983	937	21	consultants	consultant	NOUN
cblr-9983	937	22	,	,	PUNCT
cblr-9983	937	23	there	there	PRON
cblr-9983	937	24	is	be	VERB
cblr-9983	937	25	more	more	ADJ
cblr-9983	937	26	than	than	ADP
cblr-9983	937	27	a	a	DET
cblr-9983	937	28	bit	bit	NOUN
cblr-9983	937	29	of	of	ADP
cblr-9983	937	30	disingenuousness	disingenuousness	NOUN
cblr-9983	937	31	in	in	ADP
cblr-9983	937	32	this	this	DET
cblr-9983	937	33	recommendation	recommendation	NOUN
cblr-9983	937	34	.	.	PUNCT
cblr-9983	938	1	finally	finally	ADV
cblr-9983	938	2	,	,	PUNCT
cblr-9983	938	3	ccmr	ccmr	NOUN
cblr-9983	938	4	notes	note	VERB
cblr-9983	938	5	that	that	SCONJ
cblr-9983	938	6	the	the	DET
cblr-9983	938	7	good	good	ADJ
cblr-9983	938	8	cause	cause	NOUN
cblr-9983	938	9	exception	exception	NOUN
cblr-9983	938	10	has	have	AUX
cblr-9983	938	11	,	,	PUNCT
cblr-9983	938	12	in	in	ADP
cblr-9983	938	13	the	the	DET
cblr-9983	938	14	limited	limited	ADJ
cblr-9983	938	15	circumstances	circumstance	NOUN
cblr-9983	938	16	in	in	ADP
cblr-9983	938	17	which	which	PRON
cblr-9983	938	18	it	it	PRON
cblr-9983	938	19	has	have	AUX
cblr-9983	938	20	applied	apply	VERB
cblr-9983	938	21	,	,	PUNCT
cblr-9983	938	22	involved	involve	VERB
cblr-9983	938	23	only	only	ADJ
cblr-9983	938	24	temporary	temporary	ADJ
cblr-9983	938	25	deviations	deviation	NOUN
cblr-9983	938	26	from	from	ADP
cblr-9983	938	27	notice	notice	NOUN
cblr-9983	938	28	-	-	PUNCT
cblr-9983	938	29	and	and	CCONJ
cblr-9983	938	30	-	-	PUNCT
cblr-9983	938	31	comment	comment	NOUN
cblr-9983	938	32	requirements	requirement	NOUN
cblr-9983	938	33	.	.	PUNCT
cblr-9983	939	1	i	i	PRON
cblr-9983	939	2	d.	d.	PROPN
cblr-9983	939	3	at	at	ADP
cblr-9983	939	4	18	18	NUM
cblr-9983	939	5	.	.	PUNCT
cblr-9983	940	1	the	the	DET
cblr-9983	940	2	relevance	relevance	NOUN
cblr-9983	940	3	of	of	ADP
cblr-9983	940	4	this	this	DET
cblr-9983	940	5	point	point	NOUN
cblr-9983	940	6	is	be	AUX
cblr-9983	940	7	unclear	unclear	ADJ
cblr-9983	940	8	,	,	PUNCT
cblr-9983	940	9	since	since	ADV
cblr-9983	940	10	,	,	PUNCT
cblr-9983	940	11	by	by	ADP
cblr-9983	940	12	their	their	PRON
cblr-9983	940	13	very	very	ADJ
cblr-9983	940	14	nature	nature	NOUN
cblr-9983	940	15	,	,	PUNCT
cblr-9983	940	16	knowledge	knowledge	NOUN
cblr-9983	940	17	of	of	ADP
cblr-9983	940	18	price	price	NOUN
cblr-9983	940	19	controls	control	NOUN
cblr-9983	940	20	is	be	AUX
cblr-9983	940	21	obviously	obviously	ADV
cblr-9983	940	22	not	not	PART
cblr-9983	940	23	a	a	DET
cblr-9983	940	24	threat	threat	NOUN
cblr-9983	940	25	to	to	ADP
cblr-9983	940	26	the	the	DET
cblr-9983	940	27	public	public	ADJ
cblr-9983	940	28	interest	interest	NOUN
cblr-9983	940	29	once	once	SCONJ
cblr-9983	940	30	those	those	DET
cblr-9983	940	31	controls	control	NOUN
cblr-9983	940	32	have	have	AUX
cblr-9983	940	33	been	be	AUX
cblr-9983	940	34	published	publish	VERB
cblr-9983	940	35	.	.	PUNCT
cblr-9983	941	1	the	the	DET
cblr-9983	941	2	potential	potential	NOUN
cblr-9983	941	3	for	for	ADP
cblr-9983	941	4	disclosure	disclosure	NOUN
cblr-9983	941	5	of	of	ADP
cblr-9983	941	6	the	the	DET
cblr-9983	941	7	model	model	NOUN
cblr-9983	941	8	code	code	NOUN
cblr-9983	941	9	to	to	PART
cblr-9983	941	10	undermine	undermine	VERB
cblr-9983	941	11	the	the	DET
cblr-9983	941	12	utility	utility	NOUN
cblr-9983	941	13	of	of	ADP
cblr-9983	941	14	stress	stress	NOUN
cblr-9983	941	15	testing	testing	NOUN
cblr-9983	941	16	is	be	AUX
cblr-9983	941	17	ongoing	ongoing	ADJ
cblr-9983	941	18	.	.	PUNCT
cblr-9983	942	1	151	151	NUM
cblr-9983	942	2	some	some	DET
cblr-9983	942	3	indication	indication	NOUN
cblr-9983	942	4	of	of	ADP
cblr-9983	942	5	what	what	PRON
cblr-9983	942	6	might	might	AUX
cblr-9983	942	7	be	be	AUX
cblr-9983	942	8	in	in	ADP
cblr-9983	942	9	store	store	NOUN
cblr-9983	942	10	for	for	ADP
cblr-9983	942	11	the	the	DET
cblr-9983	942	12	federal	federal	PROPN
cblr-9983	942	13	reserve	reserve	PROPN
cblr-9983	942	14	were	be	AUX
cblr-9983	942	15	it	it	PRON
cblr-9983	942	16	to	to	PART
cblr-9983	942	17	put	put	VERB
cblr-9983	942	18	the	the	DET
cblr-9983	942	19	scenarios	scenario	NOUN
cblr-9983	942	20	out	out	ADP
cblr-9983	942	21	for	for	ADP
cblr-9983	942	22	notice	notice	NOUN
cblr-9983	942	23	and	and	CCONJ
cblr-9983	942	24	comment	comment	NOUN
cblr-9983	942	25	was	be	AUX
cblr-9983	942	26	provided	provide	VERB
cblr-9983	942	27	in	in	ADP
cblr-9983	942	28	a	a	DET
cblr-9983	942	29	blog	blog	NOUN
cblr-9983	942	30	post	post	NOUN
cblr-9983	942	31	by	by	ADP
cblr-9983	942	32	an	an	DET
cblr-9983	942	33	employee	employee	NOUN
cblr-9983	942	34	of	of	ADP
cblr-9983	942	35	a	a	DET
cblr-9983	942	36	bank	bank	NOUN
cblr-9983	942	37	trade	trade	NOUN
cblr-9983	942	38	association	association	NOUN
cblr-9983	942	39	after	after	SCONJ
cblr-9983	942	40	the	the	DET
cblr-9983	942	41	scenarios	scenario	NOUN
cblr-9983	942	42	were	be	AUX
cblr-9983	942	43	published	publish	VERB
cblr-9983	942	44	in	in	ADP
cblr-9983	942	45	2018	2018	NUM
cblr-9983	942	46	.	.	PUNCT
cblr-9983	943	1	jeremy	jeremy	PROPN
cblr-9983	943	2	newell	newell	PROPN
cblr-9983	943	3	,	,	PUNCT
cblr-9983	943	4	the	the	DET
cblr-9983	943	5	federal	federal	PROPN
cblr-9983	943	6	reserve	reserve	PROPN
cblr-9983	943	7	’s	’s	PART
cblr-9983	943	8	2018	2018	NUM
cblr-9983	943	9	ccar	ccar	NOUN
cblr-9983	943	10	scenarios	scenario	NOUN
cblr-9983	943	11	:	:	PUNCT
cblr-9983	943	12	a	a	DET
cblr-9983	943	13	look	look	NOUN
cblr-9983	943	14	at	at	ADP
cblr-9983	943	15	process	process	NOUN
cblr-9983	943	16	,	,	PUNCT
cblr-9983	943	17	bank	bank	NOUN
cblr-9983	943	18	policy	policy	NOUN
cblr-9983	943	19	inst	inst	NOUN
cblr-9983	943	20	.	.	PUNCT
cblr-9983	943	21	:	:	PUNCT
cblr-9983	943	22	blog	blog	NOUN
cblr-9983	943	23	(	(	PUNCT
cblr-9983	943	24	mar	mar	PROPN
cblr-9983	943	25	.	.	PROPN
cblr-9983	943	26	2	2	NUM
cblr-9983	943	27	,	,	PUNCT
cblr-9983	943	28	2018	2018	NUM
cblr-9983	943	29	)	)	PUNCT
cblr-9983	943	30	https://bpi.com/the-federal	https://bpi.com/the-federal	ADJ
cblr-9983	943	31	reserves-2018	reserves-2018	NOUN
cblr-9983	943	32	-	-	PUNCT
cblr-9983	943	33	ccar	ccar	NOUN
cblr-9983	943	34	-	-	PUNCT
cblr-9983	943	35	scenarios	scenario	NOUN
cblr-9983	943	36	-	-	PUNCT
cblr-9983	943	37	a	a	DET
cblr-9983	943	38	-	-	PUNCT
cblr-9983	943	39	look	look	NOUN
cblr-9983	943	40	-	-	PUNCT
cblr-9983	943	41	at	at	ADP
cblr-9983	943	42	-	-	PUNCT
cblr-9983	943	43	process	process	NOUN
cblr-9983	943	44	[	[	X
cblr-9983	943	45	https://perma.cc/c9je-cl5a	https://perma.cc/c9je-cl5a	X
cblr-9983	943	46	]	]	X
cblr-9983	943	47	.	.	PUNCT
cblr-9983	944	1	the	the	DET
cblr-9983	944	2	post	post	NOUN
cblr-9983	944	3	suggested	suggest	VERB
cblr-9983	944	4	that	that	SCONJ
cblr-9983	944	5	the	the	DET
cblr-9983	944	6	agency	agency	NOUN
cblr-9983	944	7	would	would	AUX
cblr-9983	944	8	need	need	VERB
cblr-9983	944	9	to	to	PART
cblr-9983	944	10	provide	provide	VERB
cblr-9983	944	11	a	a	DET
cblr-9983	944	12	convincing	convincing	ADJ
cblr-9983	944	13	explanation	explanation	NOUN
cblr-9983	944	14	for	for	ADP
cblr-9983	944	15	why	why	SCONJ
cblr-9983	944	16	it	it	PRON
cblr-9983	944	17	chose	choose	VERB
cblr-9983	944	18	“	"	PUNCT
cblr-9983	944	19	a	a	DET
cblr-9983	944	20	65	65	NUM
cblr-9983	944	21	%	%	NOUN
cblr-9983	944	22	drop	drop	NOUN
cblr-9983	944	23	in	in	ADP
cblr-9983	944	24	the	the	DET
cblr-9983	944	25	stock	stock	NOUN
cblr-9983	944	26	market	market	NOUN
cblr-9983	944	27	,	,	PUNCT
cblr-9983	944	28	and	and	CCONJ
cblr-9983	944	29	not	not	PART
cblr-9983	944	30	50	50	NUM
cblr-9983	944	31	%	%	NOUN
cblr-9983	944	32	(	(	PUNCT
cblr-9983	944	33	or	or	CCONJ
cblr-9983	944	34	70	70	NUM
cblr-9983	944	35	%	%	NOUN
cblr-9983	944	36	)	)	PUNCT
cblr-9983	944	37	,	,	PUNCT
cblr-9983	944	38	”	"	PUNCT
cblr-9983	944	39	why	why	SCONJ
cblr-9983	944	40	it	it	PRON
cblr-9983	944	41	chose	choose	VERB
cblr-9983	944	42	a	a	DET
cblr-9983	944	43	30	30	NUM
cblr-9983	944	44	%	%	NOUN
cblr-9983	944	45	decline	decline	NOUN
cblr-9983	944	46	in	in	ADP
cblr-9983	944	47	housing	housing	NOUN
cblr-9983	944	48	prices	price	NOUN
cblr-9983	944	49	,	,	PUNCT
cblr-9983	944	50	why	why	SCONJ
cblr-9983	944	51	the	the	DET
cblr-9983	944	52	yield	yield	NOUN
cblr-9983	944	53	curve	curve	NOUN
cblr-9983	944	54	was	be	AUX
cblr-9983	944	55	assumed	assume	VERB
cblr-9983	944	56	to	to	PART
cblr-9983	944	57	steepen	steepen	VERB
cblr-9983	944	58	as	as	SCONJ
cblr-9983	944	59	it	it	PRON
cblr-9983	944	60	did	do	VERB
cblr-9983	944	61	in	in	ADP
cblr-9983	944	62	the	the	DET
cblr-9983	944	63	scenario	scenario	NOUN
cblr-9983	944	64	,	,	PUNCT
cblr-9983	944	65	why	why	SCONJ
cblr-9983	944	66	unemployment	unemployment	NOUN
cblr-9983	944	67	rose	rise	VERB
cblr-9983	944	68	so	so	ADV
cblr-9983	944	69	suddenly	suddenly	ADV
cblr-9983	944	70	,	,	PUNCT
cblr-9983	944	71	and	and	CCONJ
cblr-9983	944	72	“	"	PUNCT
cblr-9983	944	73	[	[	X
cblr-9983	944	74	w]hat	w]hat	X
cblr-9983	944	75	about	about	ADP
cblr-9983	944	76	the	the	DET
cblr-9983	944	77	rest	rest	NOUN
cblr-9983	944	78	of	of	ADP
cblr-9983	944	79	the	the	DET
cblr-9983	944	80	28	28	NUM
cblr-9983	944	81	variables	variable	NOUN
cblr-9983	944	82	.	.	PUNCT
cblr-9983	944	83	”	"	PUNCT
cblr-9983	945	1	i	i	PRON
cblr-9983	945	2	d.	d.	PROPN
cblr-9983	945	3	as	as	SCONJ
cblr-9983	945	4	explained	explain	VERB
cblr-9983	945	5	in	in	ADP
cblr-9983	945	6	the	the	DET
cblr-9983	945	7	text	text	NOUN
cblr-9983	945	8	,	,	PUNCT
cblr-9983	945	9	the	the	DET
cblr-9983	945	10	demand	demand	NOUN
cblr-9983	945	11	that	that	SCONJ
cblr-9983	945	12	each	each	DET
cblr-9983	945	13	variable	variable	NOUN
cblr-9983	945	14	in	in	ADP
cblr-9983	945	15	a	a	DET
cblr-9983	945	16	stress	stress	NOUN
cblr-9983	945	17	scenario	scenario	NOUN
cblr-9983	945	18	be	be	AUX
cblr-9983	945	19	“	"	PUNCT
cblr-9983	945	20	right	right	ADJ
cblr-9983	945	21	”	"	PUNCT
cblr-9983	945	22	reflects	reflect	VERB
cblr-9983	945	23	a	a	DET
cblr-9983	945	24	misunderstanding	misunderstanding	NOUN
cblr-9983	945	25	of	of	ADP
cblr-9983	945	26	stress	stress	NOUN
cblr-9983	945	27	testing	testing	NOUN
cblr-9983	945	28	.	.	PUNCT
cblr-9983	946	1	however	however	ADV
cblr-9983	946	2	,	,	PUNCT
cblr-9983	946	3	the	the	DET
cblr-9983	946	4	more	more	ADJ
cblr-9983	946	5	salient	salient	ADJ
cblr-9983	946	6	point	point	NOUN
cblr-9983	946	7	is	be	AUX
cblr-9983	946	8	that	that	SCONJ
cblr-9983	946	9	this	this	DET
cblr-9983	946	10	blog	blog	NOUN
cblr-9983	946	11	post	post	NOUN
cblr-9983	946	12	suggested	suggest	VERB
cblr-9983	946	13	the	the	DET
cblr-9983	946	14	intention	intention	NOUN
cblr-9983	946	15	of	of	ADP
cblr-9983	946	16	the	the	DET
cblr-9983	946	17	trade	trade	NOUN
cblr-9983	946	18	association	association	NOUN
cblr-9983	946	19	representing	represent	VERB
cblr-9983	946	20	most	most	ADJ
cblr-9983	946	21	of	of	ADP
cblr-9983	946	22	the	the	DET
cblr-9983	946	23	largest	large	ADJ
cblr-9983	946	24	banks	bank	NOUN
cblr-9983	946	25	in	in	ADP
cblr-9983	946	26	the	the	DET
cblr-9983	946	27	country	country	NOUN
cblr-9983	946	28	to	to	PART
cblr-9983	946	29	litigate	litigate	VERB
cblr-9983	946	30	each	each	DET
cblr-9983	946	31	element	element	NOUN
cblr-9983	946	32	of	of	ADP
cblr-9983	946	33	the	the	DET
cblr-9983	946	34	federal	federal	PROPN
cblr-9983	946	35	reserve	reserve	PROPN
cblr-9983	946	36	’s	’s	PART
cblr-9983	946	37	scenario	scenario	NOUN
cblr-9983	946	38	.	.	PUNCT
cblr-9983	947	1	even	even	ADV
cblr-9983	947	2	if	if	SCONJ
cblr-9983	947	3	,	,	PUNCT
cblr-9983	947	4	and	and	CCONJ
cblr-9983	947	5	perhaps	perhaps	ADV
cblr-9983	947	6	especially	especially	ADV
cblr-9983	947	7	if	if	SCONJ
cblr-9983	947	8	,	,	PUNCT
cblr-9983	947	9	the	the	DET
cblr-9983	947	10	federal	federal	PROPN
cblr-9983	947	11	reserve	reserve	PROPN
cblr-9983	947	12	retained	retain	VERB
cblr-9983	947	13	the	the	DET
cblr-9983	947	14	basic	basic	ADJ
cblr-9983	947	15	elements	element	NOUN
cblr-9983	947	16	of	of	ADP
cblr-9983	947	17	its	its	PRON
cblr-9983	947	18	scenario	scenario	NOUN
cblr-9983	947	19	after	after	ADP
cblr-9983	947	20	notice	notice	NOUN
cblr-9983	947	21	and	and	CCONJ
cblr-9983	947	22	comment	comment	NOUN
cblr-9983	947	23	,	,	PUNCT
cblr-9983	947	24	the	the	DET
cblr-9983	947	25	banks	bank	NOUN
cblr-9983	947	26	would	would	AUX
cblr-9983	947	27	have	have	AUX
cblr-9983	947	28	had	have	VERB
cblr-9983	947	29	a	a	DET
cblr-9983	947	30	period	period	NOUN
cblr-9983	947	31	of	of	ADP
cblr-9983	947	32	months	month	NOUN
cblr-9983	947	33	to	to	PART
cblr-9983	947	34	make	make	VERB
cblr-9983	947	35	strategic	strategic	ADJ
cblr-9983	947	36	adjustments	adjustment	NOUN
cblr-9983	947	37	to	to	ADP
cblr-9983	947	38	their	their	PRON
cblr-9983	947	39	balance	balance	NOUN
cblr-9983	947	40	sheets	sheet	NOUN
cblr-9983	947	41	.	.	PUNCT
cblr-9983	948	1	330	330	NUM
cblr-9983	948	2	columbia	columbia	PROPN
cblr-9983	948	3	business	business	NOUN
cblr-9983	948	4	law	law	NOUN
cblr-9983	948	5	review	review	NOUN
cblr-9983	948	6	[	[	X
cblr-9983	948	7	vol	vol	NOUN
cblr-9983	948	8	.	.	PUNCT
cblr-9983	948	9	2022	2022	NUM
cblr-9983	948	10	stress	stress	NOUN
cblr-9983	948	11	testing	testing	NOUN
cblr-9983	948	12	is	be	AUX
cblr-9983	948	13	not	not	PART
cblr-9983	948	14	like	like	ADP
cblr-9983	948	15	using	use	VERB
cblr-9983	948	16	a	a	DET
cblr-9983	948	17	model	model	NOUN
cblr-9983	948	18	to	to	PART
cblr-9983	948	19	develop	develop	VERB
cblr-9983	948	20	a	a	DET
cblr-9983	948	21	regulation	regulation	NOUN
cblr-9983	948	22	that	that	PRON
cblr-9983	948	23	,	,	PUNCT
cblr-9983	948	24	for	for	ADP
cblr-9983	948	25	example	example	NOUN
cblr-9983	948	26	,	,	PUNCT
cblr-9983	948	27	limits	limit	VERB
cblr-9983	948	28	emissions	emission	NOUN
cblr-9983	948	29	of	of	ADP
cblr-9983	948	30	polluting	pollute	VERB
cblr-9983	948	31	substances	substance	NOUN
cblr-9983	948	32	.	.	PUNCT
cblr-9983	949	1	in	in	ADP
cblr-9983	949	2	such	such	DET
cblr-9983	949	3	a	a	DET
cblr-9983	949	4	case	case	NOUN
cblr-9983	949	5	,	,	PUNCT
cblr-9983	949	6	industry	industry	NOUN
cblr-9983	949	7	adherence	adherence	NOUN
cblr-9983	949	8	to	to	ADP
cblr-9983	949	9	the	the	DET
cblr-9983	949	10	standard	standard	NOUN
cblr-9983	949	11	developed	develop	VERB
cblr-9983	949	12	with	with	ADP
cblr-9983	949	13	the	the	DET
cblr-9983	949	14	help	help	NOUN
cblr-9983	949	15	of	of	ADP
cblr-9983	949	16	a	a	DET
cblr-9983	949	17	model	model	NOUN
cblr-9983	949	18	would	would	AUX
cblr-9983	949	19	itself	itself	PRON
cblr-9983	949	20	achieve	achieve	VERB
cblr-9983	949	21	the	the	DET
cblr-9983	949	22	regulatory	regulatory	ADJ
cblr-9983	949	23	purpose	purpose	NOUN
cblr-9983	949	24	.	.	PUNCT
cblr-9983	950	1	but	but	CCONJ
cblr-9983	950	2	a	a	DET
cblr-9983	950	3	stress	stress	NOUN
cblr-9983	950	4	test	test	NOUN
cblr-9983	950	5	is	be	AUX
cblr-9983	950	6	exactly	exactly	ADV
cblr-9983	950	7	that	that	PRON
cblr-9983	950	8	—	—	PUNCT
cblr-9983	950	9	a	a	DET
cblr-9983	950	10	test	test	NOUN
cblr-9983	950	11	.	.	PUNCT
cblr-9983	951	1	neither	neither	PRON
cblr-9983	951	2	regulators	regulator	NOUN
cblr-9983	951	3	nor	nor	CCONJ
cblr-9983	951	4	bankers	banker	NOUN
cblr-9983	951	5	can	can	AUX
cblr-9983	951	6	count	count	VERB
cblr-9983	951	7	on	on	ADP
cblr-9983	951	8	correctly	correctly	ADV
cblr-9983	951	9	anticipating	anticipate	VERB
cblr-9983	951	10	what	what	PRON
cblr-9983	951	11	the	the	DET
cblr-9983	951	12	next	next	ADJ
cblr-9983	951	13	source	source	NOUN
cblr-9983	951	14	of	of	ADP
cblr-9983	951	15	severe	severe	ADJ
cblr-9983	951	16	stress	stress	NOUN
cblr-9983	951	17	will	will	AUX
cblr-9983	951	18	be	be	AUX
cblr-9983	951	19	.	.	PUNCT
cblr-9983	952	1	recall	recall	VERB
cblr-9983	952	2	the	the	DET
cblr-9983	952	3	origins	origin	NOUN
cblr-9983	952	4	of	of	ADP
cblr-9983	952	5	the	the	DET
cblr-9983	952	6	2007	2007	NUM
cblr-9983	952	7	-	-	SYM
cblr-9983	952	8	2009	2009	NUM
cblr-9983	952	9	financial	financial	ADJ
cblr-9983	952	10	crisis	crisis	NOUN
cblr-9983	952	11	.	.	PUNCT
cblr-9983	953	1	had	have	AUX
cblr-9983	953	2	regulators	regulator	NOUN
cblr-9983	953	3	used	use	VERB
cblr-9983	953	4	only	only	ADV
cblr-9983	953	5	one	one	NUM
cblr-9983	953	6	stress	stress	NOUN
cblr-9983	953	7	scenario	scenario	NOUN
cblr-9983	953	8	from	from	ADP
cblr-9983	953	9	year	year	NOUN
cblr-9983	953	10	to	to	ADP
cblr-9983	953	11	year	year	NOUN
cblr-9983	953	12	,	,	PUNCT
cblr-9983	953	13	and	and	CCONJ
cblr-9983	953	14	that	that	DET
cblr-9983	953	15	scenario	scenario	NOUN
cblr-9983	953	16	had	have	AUX
cblr-9983	953	17	not	not	PART
cblr-9983	953	18	correctly	correctly	ADV
cblr-9983	953	19	anticipated	anticipate	VERB
cblr-9983	953	20	the	the	DET
cblr-9983	953	21	decline	decline	NOUN
cblr-9983	953	22	in	in	ADP
cblr-9983	953	23	housing	housing	NOUN
cblr-9983	953	24	prices	price	NOUN
cblr-9983	953	25	and	and	CCONJ
cblr-9983	953	26	shock	shock	NOUN
cblr-9983	953	27	to	to	ADP
cblr-9983	953	28	mortgage	mortgage	NOUN
cblr-9983	953	29	-	-	PUNCT
cblr-9983	953	30	backed	back	VERB
cblr-9983	953	31	securities	security	NOUN
cblr-9983	953	32	,	,	PUNCT
cblr-9983	953	33	the	the	DET
cblr-9983	953	34	banks	bank	NOUN
cblr-9983	953	35	might	might	AUX
cblr-9983	953	36	still	still	ADV
cblr-9983	953	37	have	have	AUX
cblr-9983	953	38	been	be	AUX
cblr-9983	953	39	badly	badly	ADV
cblr-9983	953	40	undercapitalized	undercapitalized	ADJ
cblr-9983	953	41	when	when	SCONJ
cblr-9983	953	42	the	the	DET
cblr-9983	953	43	crisis	crisis	NOUN
cblr-9983	953	44	hit	hit	VERB
cblr-9983	953	45	.	.	PUNCT
cblr-9983	954	1	the	the	DET
cblr-9983	954	2	force	force	NOUN
cblr-9983	954	3	of	of	ADP
cblr-9983	954	4	this	this	DET
cblr-9983	954	5	point	point	NOUN
cblr-9983	954	6	is	be	AUX
cblr-9983	954	7	further	far	ADV
cblr-9983	954	8	strengthened	strengthen	VERB
cblr-9983	954	9	by	by	ADP
cblr-9983	954	10	the	the	DET
cblr-9983	954	11	onset	onset	NOUN
cblr-9983	954	12	of	of	ADP
cblr-9983	954	13	the	the	DET
cblr-9983	954	14	covid-19	covid-19	PROPN
cblr-9983	954	15	crisis	crisis	NOUN
cblr-9983	954	16	in	in	ADP
cblr-9983	954	17	early	early	ADJ
cblr-9983	954	18	2020	2020	NUM
cblr-9983	954	19	.	.	PUNCT
cblr-9983	955	1	no	no	DET
cblr-9983	955	2	prior	prior	ADJ
cblr-9983	955	3	scenario	scenario	NOUN
cblr-9983	955	4	developed	develop	VERB
cblr-9983	955	5	by	by	ADP
cblr-9983	955	6	the	the	DET
cblr-9983	955	7	federal	federal	PROPN
cblr-9983	955	8	reserve	reserve	PROPN
cblr-9983	955	9	had	have	AUX
cblr-9983	955	10	contemplated	contemplate	VERB
cblr-9983	955	11	the	the	DET
cblr-9983	955	12	dramatic	dramatic	ADJ
cblr-9983	955	13	halt	halt	NOUN
cblr-9983	955	14	to	to	ADP
cblr-9983	955	15	economic	economic	ADJ
cblr-9983	955	16	activity	activity	NOUN
cblr-9983	955	17	associated	associate	VERB
cblr-9983	955	18	with	with	ADP
cblr-9983	955	19	stay	stay	VERB
cblr-9983	955	20	-	-	PUNCT
cblr-9983	955	21	at	at	ADP
cblr-9983	955	22	-	-	PUNCT
cblr-9983	955	23	home	home	NOUN
cblr-9983	955	24	and	and	CCONJ
cblr-9983	955	25	other	other	ADJ
cblr-9983	955	26	social	social	ADJ
cblr-9983	955	27	distancing	distancing	NOUN
cblr-9983	955	28	measures	measure	NOUN
cblr-9983	955	29	initiated	initiate	VERB
cblr-9983	955	30	to	to	PART
cblr-9983	955	31	stop	stop	VERB
cblr-9983	955	32	the	the	DET
cblr-9983	955	33	spread	spread	NOUN
cblr-9983	955	34	of	of	ADP
cblr-9983	955	35	the	the	DET
cblr-9983	955	36	virus	virus	NOUN
cblr-9983	955	37	.	.	PUNCT
cblr-9983	956	1	that	that	PRON
cblr-9983	956	2	is	be	AUX
cblr-9983	956	3	why	why	SCONJ
cblr-9983	956	4	variation	variation	NOUN
cblr-9983	956	5	in	in	ADP
cblr-9983	956	6	scenario	scenario	NOUN
cblr-9983	956	7	elements	element	NOUN
cblr-9983	956	8	,	,	PUNCT
cblr-9983	956	9	such	such	ADJ
cblr-9983	956	10	as	as	ADP
cblr-9983	956	11	shocks	shock	NOUN
cblr-9983	956	12	to	to	ADP
cblr-9983	956	13	different	different	ADJ
cblr-9983	956	14	asset	asset	NOUN
cblr-9983	956	15	classes	class	NOUN
cblr-9983	956	16	and	and	CCONJ
cblr-9983	956	17	changes	change	NOUN
cblr-9983	956	18	in	in	ADP
cblr-9983	956	19	yield	yield	NOUN
cblr-9983	956	20	curve	curve	NOUN
cblr-9983	956	21	shapes	shape	NOUN
cblr-9983	956	22	and	and	CCONJ
cblr-9983	956	23	interest	interest	NOUN
cblr-9983	956	24	rates	rate	NOUN
cblr-9983	956	25	,	,	PUNCT
cblr-9983	956	26	is	be	AUX
cblr-9983	956	27	critical	critical	ADJ
cblr-9983	956	28	to	to	ADP
cblr-9983	956	29	the	the	DET
cblr-9983	956	30	value	value	NOUN
cblr-9983	956	31	of	of	ADP
cblr-9983	956	32	stress	stress	NOUN
cblr-9983	956	33	testing.152	testing.152	NOUN
cblr-9983	956	34	while	while	SCONJ
cblr-9983	956	35	analogies	analogy	NOUN
cblr-9983	956	36	to	to	ADP
cblr-9983	956	37	stress	stress	NOUN
cblr-9983	956	38	testing	testing	NOUN
cblr-9983	956	39	have	have	VERB
cblr-9983	956	40	limitations	limitation	NOUN
cblr-9983	956	41	,	,	PUNCT
cblr-9983	956	42	stress	stress	NOUN
cblr-9983	956	43	testing	testing	NOUN
cblr-9983	956	44	does	do	AUX
cblr-9983	956	45	in	in	ADP
cblr-9983	956	46	key	key	ADJ
cblr-9983	956	47	respects	respect	NOUN
cblr-9983	956	48	resemble	resemble	VERB
cblr-9983	956	49	a	a	DET
cblr-9983	956	50	test	test	NOUN
cblr-9983	956	51	administered	administer	VERB
cblr-9983	956	52	in	in	ADP
cblr-9983	956	53	a	a	DET
cblr-9983	956	54	college	college	NOUN
cblr-9983	956	55	course	course	NOUN
cblr-9983	956	56	.	.	PUNCT
cblr-9983	957	1	if	if	SCONJ
cblr-9983	957	2	students	student	NOUN
cblr-9983	957	3	are	be	AUX
cblr-9983	957	4	given	give	VERB
cblr-9983	957	5	the	the	DET
cblr-9983	957	6	test	test	NOUN
cblr-9983	957	7	in	in	ADP
cblr-9983	957	8	advance	advance	NOUN
cblr-9983	957	9	,	,	PUNCT
cblr-9983	957	10	most	most	ADJ
cblr-9983	957	11	,	,	PUNCT
cblr-9983	957	12	if	if	SCONJ
cblr-9983	957	13	not	not	PART
cblr-9983	957	14	all	all	PRON
cblr-9983	957	15	,	,	PUNCT
cblr-9983	957	16	of	of	ADP
cblr-9983	957	17	them	they	PRON
cblr-9983	957	18	will	will	AUX
cblr-9983	957	19	do	do	VERB
cblr-9983	957	20	very	very	ADV
cblr-9983	957	21	well	well	ADV
cblr-9983	957	22	.	.	PUNCT
cblr-9983	958	1	but	but	CCONJ
cblr-9983	958	2	since	since	SCONJ
cblr-9983	958	3	the	the	DET
cblr-9983	958	4	exam	exam	NOUN
cblr-9983	958	5	can	can	AUX
cblr-9983	958	6	have	have	AUX
cblr-9983	958	7	covered	cover	VERB
cblr-9983	958	8	only	only	ADV
cblr-9983	958	9	a	a	DET
cblr-9983	958	10	small	small	ADJ
cblr-9983	958	11	proportion	proportion	NOUN
cblr-9983	958	12	of	of	ADP
cblr-9983	958	13	the	the	DET
cblr-9983	958	14	material	material	NOUN
cblr-9983	958	15	covered	cover	VERB
cblr-9983	958	16	in	in	ADP
cblr-9983	958	17	the	the	DET
cblr-9983	958	18	course	course	NOUN
cblr-9983	958	19	,	,	PUNCT
cblr-9983	958	20	the	the	DET
cblr-9983	958	21	professor	professor	NOUN
cblr-9983	958	22	will	will	AUX
cblr-9983	958	23	have	have	VERB
cblr-9983	958	24	no	no	DET
cblr-9983	958	25	idea	idea	NOUN
cblr-9983	958	26	how	how	SCONJ
cblr-9983	958	27	much	much	ADV
cblr-9983	958	28	they	they	PRON
cblr-9983	958	29	know	know	VERB
cblr-9983	958	30	about	about	ADP
cblr-9983	958	31	the	the	DET
cblr-9983	958	32	subject	subject	ADJ
cblr-9983	958	33	matter	matter	NOUN
cblr-9983	958	34	of	of	ADP
cblr-9983	958	35	the	the	DET
cblr-9983	958	36	whole	whole	ADJ
cblr-9983	958	37	course	course	NOUN
cblr-9983	958	38	.	.	PUNCT
cblr-9983	959	1	similarly	similarly	ADV
cblr-9983	959	2	,	,	PUNCT
cblr-9983	959	3	if	if	SCONJ
cblr-9983	959	4	banks	bank	NOUN
cblr-9983	959	5	have	have	VERB
cblr-9983	959	6	the	the	DET
cblr-9983	959	7	model	model	NOUN
cblr-9983	959	8	and	and	CCONJ
cblr-9983	959	9	the	the	DET
cblr-9983	959	10	scenario	scenario	NOUN
cblr-9983	959	11	in	in	ADP
cblr-9983	959	12	advance	advance	NOUN
cblr-9983	959	13	,	,	PUNCT
cblr-9983	959	14	most	most	ADJ
cblr-9983	959	15	,	,	PUNCT
cblr-9983	959	16	if	if	SCONJ
cblr-9983	959	17	not	not	PART
cblr-9983	959	18	all	all	PRON
cblr-9983	959	19	,	,	PUNCT
cblr-9983	959	20	of	of	ADP
cblr-9983	959	21	them	they	PRON
cblr-9983	959	22	will	will	AUX
cblr-9983	959	23	produce	produce	VERB
cblr-9983	959	24	balance	balance	NOUN
cblr-9983	959	25	sheets	sheet	NOUN
cblr-9983	959	26	suggesting	suggest	VERB
cblr-9983	959	27	they	they	PRON
cblr-9983	959	28	will	will	AUX
cblr-9983	959	29	be	be	AUX
cblr-9983	959	30	comfortably	comfortably	ADV
cblr-9983	959	31	capitalized	capitalize	VERB
cblr-9983	959	32	should	should	AUX
cblr-9983	959	33	the	the	DET
cblr-9983	959	34	scenario	scenario	NOUN
cblr-9983	959	35	occur	occur	VERB
cblr-9983	959	36	.	.	PUNCT
cblr-9983	960	1	but	but	CCONJ
cblr-9983	960	2	these	these	DET
cblr-9983	960	3	results	result	NOUN
cblr-9983	960	4	could	could	AUX
cblr-9983	960	5	paint	paint	VERB
cblr-9983	960	6	a	a	DET
cblr-9983	960	7	very	very	ADV
cblr-9983	960	8	misleading	misleading	ADJ
cblr-9983	960	9	picture	picture	NOUN
cblr-9983	960	10	of	of	ADP
cblr-9983	960	11	their	their	PRON
cblr-9983	960	12	actual	actual	ADJ
cblr-9983	960	13	resiliency	resiliency	NOUN
cblr-9983	960	14	,	,	PUNCT
cblr-9983	960	15	because	because	SCONJ
cblr-9983	960	16	the	the	DET
cblr-9983	960	17	single	single	ADJ
cblr-9983	960	18	severely	severely	ADV
cblr-9983	960	19	adverse	adverse	ADJ
cblr-9983	960	20	scenario	scenario	NOUN
cblr-9983	960	21	152	152	NUM
cblr-9983	960	22	in	in	ADP
cblr-9983	960	23	theory	theory	NOUN
cblr-9983	960	24	,	,	PUNCT
cblr-9983	960	25	the	the	DET
cblr-9983	960	26	federal	federal	PROPN
cblr-9983	960	27	reserve	reserve	PROPN
cblr-9983	960	28	might	might	AUX
cblr-9983	960	29	run	run	VERB
cblr-9983	960	30	dozens	dozen	NOUN
cblr-9983	960	31	,	,	PUNCT
cblr-9983	960	32	perhaps	perhaps	ADV
cblr-9983	960	33	hundreds	hundred	NOUN
cblr-9983	960	34	,	,	PUNCT
cblr-9983	960	35	of	of	ADP
cblr-9983	960	36	scenarios	scenario	NOUN
cblr-9983	960	37	to	to	PART
cblr-9983	960	38	try	try	VERB
cblr-9983	960	39	to	to	PART
cblr-9983	960	40	capture	capture	VERB
cblr-9983	960	41	a	a	DET
cblr-9983	960	42	much	much	ADV
cblr-9983	960	43	greater	great	ADJ
cblr-9983	960	44	proportion	proportion	NOUN
cblr-9983	960	45	of	of	ADP
cblr-9983	960	46	unanticipated	unanticipated	ADJ
cblr-9983	960	47	risks	risk	NOUN
cblr-9983	960	48	.	.	PUNCT
cblr-9983	961	1	as	as	ADP
cblr-9983	961	2	an	an	DET
cblr-9983	961	3	administrative	administrative	ADJ
cblr-9983	961	4	and	and	CCONJ
cblr-9983	961	5	organizational	organizational	ADJ
cblr-9983	961	6	matter	matter	NOUN
cblr-9983	961	7	,	,	PUNCT
cblr-9983	961	8	the	the	DET
cblr-9983	961	9	idea	idea	NOUN
cblr-9983	961	10	seems	seem	VERB
cblr-9983	961	11	impractical	impractical	ADJ
cblr-9983	961	12	at	at	ADP
cblr-9983	961	13	present	present	ADJ
cblr-9983	961	14	,	,	PUNCT
cblr-9983	961	15	though	though	SCONJ
cblr-9983	961	16	improved	improved	ADJ
cblr-9983	961	17	information	information	NOUN
cblr-9983	961	18	technology	technology	NOUN
cblr-9983	961	19	systems	system	NOUN
cblr-9983	961	20	may	may	AUX
cblr-9983	961	21	someday	someday	ADV
cblr-9983	961	22	make	make	VERB
cblr-9983	961	23	it	it	PRON
cblr-9983	961	24	feasible	feasible	ADJ
cblr-9983	961	25	.	.	PUNCT
cblr-9983	962	1	no	no	INTJ
cblr-9983	962	2	.	.	PUNCT
cblr-9983	963	1	1:279	1:279	NOUN
cblr-9983	963	2	]	]	X
cblr-9983	963	3	bank	bank	NOUN
cblr-9983	963	4	supervision	supervision	NOUN
cblr-9983	963	5	and	and	CCONJ
cblr-9983	963	6	administrative	administrative	ADJ
cblr-9983	963	7	law	law	NOUN
cblr-9983	963	8	331	331	NUM
cblr-9983	963	9	is	be	AUX
cblr-9983	963	10	—	—	PUNCT
cblr-9983	963	11	like	like	ADP
cblr-9983	963	12	a	a	DET
cblr-9983	963	13	college	college	NOUN
cblr-9983	963	14	exam	exam	NOUN
cblr-9983	963	15	—	—	PUNCT
cblr-9983	963	16	selective	selective	ADJ
cblr-9983	963	17	:	:	PUNCT
cblr-9983	963	18	it	it	PRON
cblr-9983	963	19	has	have	AUX
cblr-9983	963	20	tested	test	VERB
cblr-9983	963	21	only	only	ADV
cblr-9983	963	22	for	for	ADP
cblr-9983	963	23	one	one	NUM
cblr-9983	963	24	possible	possible	ADJ
cblr-9983	963	25	set	set	NOUN
cblr-9983	963	26	of	of	ADP
cblr-9983	963	27	risks.153	risks.153	NOUN
cblr-9983	963	28	a	a	DET
cblr-9983	963	29	different	different	ADJ
cblr-9983	963	30	line	line	NOUN
cblr-9983	963	31	of	of	ADP
cblr-9983	963	32	argument	argument	NOUN
cblr-9983	963	33	could	could	AUX
cblr-9983	963	34	be	be	AUX
cblr-9983	963	35	that	that	SCONJ
cblr-9983	963	36	the	the	DET
cblr-9983	963	37	model	model	NOUN
cblr-9983	963	38	code	code	NOUN
cblr-9983	963	39	should	should	AUX
cblr-9983	963	40	have	have	AUX
cblr-9983	963	41	been	be	AUX
cblr-9983	963	42	disclosed	disclose	VERB
cblr-9983	963	43	as	as	ADP
cblr-9983	963	44	part	part	NOUN
cblr-9983	963	45	of	of	ADP
cblr-9983	963	46	the	the	DET
cblr-9983	963	47	notice	notice	NOUN
cblr-9983	963	48	-	-	PUNCT
cblr-9983	963	49	and	and	CCONJ
cblr-9983	963	50	-	-	PUNCT
cblr-9983	963	51	comment	comment	NOUN
cblr-9983	963	52	rulemaking	rulemaking	NOUN
cblr-9983	963	53	for	for	ADP
cblr-9983	963	54	the	the	DET
cblr-9983	963	55	stress	stress	NOUN
cblr-9983	963	56	testing	testing	NOUN
cblr-9983	963	57	rule	rule	NOUN
cblr-9983	963	58	.	.	PUNCT
cblr-9983	964	1	this	this	DET
cblr-9983	964	2	argument	argument	NOUN
cblr-9983	964	3	rests	rest	VERB
cblr-9983	964	4	on	on	ADP
cblr-9983	964	5	cases	case	NOUN
cblr-9983	964	6	holding	hold	VERB
cblr-9983	964	7	that	that	DET
cblr-9983	964	8	disclosure	disclosure	NOUN
cblr-9983	964	9	of	of	ADP
cblr-9983	964	10	various	various	ADJ
cblr-9983	964	11	forms	form	NOUN
cblr-9983	964	12	of	of	ADP
cblr-9983	964	13	technical	technical	ADJ
cblr-9983	964	14	data	datum	NOUN
cblr-9983	964	15	relied	rely	VERB
cblr-9983	964	16	on	on	ADP
cblr-9983	964	17	by	by	ADP
cblr-9983	964	18	an	an	DET
cblr-9983	964	19	agency	agency	NOUN
cblr-9983	964	20	in	in	ADP
cblr-9983	964	21	developing	develop	VERB
cblr-9983	964	22	a	a	DET
cblr-9983	964	23	rule	rule	NOUN
cblr-9983	964	24	is	be	AUX
cblr-9983	964	25	required	require	VERB
cblr-9983	964	26	as	as	ADP
cblr-9983	964	27	part	part	NOUN
cblr-9983	964	28	of	of	ADP
cblr-9983	964	29	the	the	DET
cblr-9983	964	30	notice	notice	NOUN
cblr-9983	964	31	mandated	mandate	VERB
cblr-9983	964	32	by	by	ADP
cblr-9983	964	33	apa	apa	PROPN
cblr-9983	964	34	§	§	PROPN
cblr-9983	964	35	553(b).154	553(b).154	NUM
cblr-9983	964	36	there	there	PRON
cblr-9983	964	37	is	be	VERB
cblr-9983	964	38	a	a	DET
cblr-9983	964	39	longrunning	longrunning	ADJ
cblr-9983	964	40	debate	debate	NOUN
cblr-9983	964	41	as	as	ADP
cblr-9983	964	42	to	to	ADP
cblr-9983	964	43	the	the	DET
cblr-9983	964	44	consistency	consistency	NOUN
cblr-9983	964	45	of	of	ADP
cblr-9983	964	46	this	this	DET
cblr-9983	964	47	line	line	NOUN
cblr-9983	964	48	of	of	ADP
cblr-9983	964	49	cases	case	NOUN
cblr-9983	964	50	,	,	PUNCT
cblr-9983	964	51	initiated	initiate	VERB
cblr-9983	964	52	by	by	ADP
cblr-9983	964	53	a	a	DET
cblr-9983	964	54	1973	1973	NUM
cblr-9983	964	55	d.c	d.c	PROPN
cblr-9983	964	56	.	.	PROPN
cblr-9983	964	57	circuit	circuit	PROPN
cblr-9983	964	58	opinion,155	opinion,155	PROPN
cblr-9983	964	59	with	with	ADP
cblr-9983	964	60	the	the	DET
cblr-9983	964	61	supreme	supreme	PROPN
cblr-9983	964	62	court	court	PROPN
cblr-9983	964	63	’s	’s	PART
cblr-9983	964	64	subsequent	subsequent	ADJ
cblr-9983	964	65	admonition	admonition	NOUN
cblr-9983	964	66	in	in	ADP
cblr-9983	964	67	vermont	vermont	PROPN
cblr-9983	964	68	yankee156	yankee156	PROPN
cblr-9983	964	69	against	against	ADP
cblr-9983	964	70	courts	court	NOUN
cblr-9983	964	71	creating	create	VERB
cblr-9983	964	72	procedural	procedural	ADJ
cblr-9983	964	73	requirements	requirement	NOUN
cblr-9983	964	74	beyond	beyond	ADP
cblr-9983	964	75	those	those	DET
cblr-9983	964	76	153	153	NUM
cblr-9983	964	77	a	a	DET
cblr-9983	964	78	counter	counter	NOUN
cblr-9983	964	79	-	-	NOUN
cblr-9983	964	80	analogy	analogy	NOUN
cblr-9983	964	81	that	that	PRON
cblr-9983	964	82	has	have	AUX
cblr-9983	964	83	been	be	AUX
cblr-9983	964	84	used	use	VERB
cblr-9983	964	85	from	from	ADP
cblr-9983	964	86	time	time	NOUN
cblr-9983	964	87	to	to	ADP
cblr-9983	964	88	time	time	NOUN
cblr-9983	964	89	is	be	AUX
cblr-9983	964	90	that	that	SCONJ
cblr-9983	964	91	the	the	DET
cblr-9983	964	92	stress	stress	NOUN
cblr-9983	964	93	test	test	NOUN
cblr-9983	964	94	should	should	AUX
cblr-9983	964	95	be	be	AUX
cblr-9983	964	96	like	like	ADP
cblr-9983	964	97	posting	post	VERB
cblr-9983	964	98	a	a	DET
cblr-9983	964	99	speed	speed	NOUN
cblr-9983	964	100	limit	limit	NOUN
cblr-9983	964	101	.	.	PUNCT
cblr-9983	965	1	if	if	SCONJ
cblr-9983	965	2	you	you	PRON
cblr-9983	965	3	want	want	VERB
cblr-9983	965	4	banks	bank	NOUN
cblr-9983	965	5	to	to	PART
cblr-9983	965	6	go	go	VERB
cblr-9983	965	7	no	no	ADV
cblr-9983	965	8	higher	high	ADJ
cblr-9983	965	9	than	than	ADP
cblr-9983	965	10	fifty	fifty	NUM
cblr-9983	965	11	-	-	PUNCT
cblr-9983	965	12	five	five	NUM
cblr-9983	965	13	mph	mph	NOUN
cblr-9983	965	14	,	,	PUNCT
cblr-9983	965	15	then	then	ADV
cblr-9983	965	16	you	you	PRON
cblr-9983	965	17	should	should	AUX
cblr-9983	965	18	put	put	VERB
cblr-9983	965	19	up	up	ADP
cblr-9983	965	20	a	a	DET
cblr-9983	965	21	sign	sign	NOUN
cblr-9983	965	22	saying	say	VERB
cblr-9983	965	23	that	that	SCONJ
cblr-9983	965	24	clearly	clearly	ADV
cblr-9983	965	25	by	by	ADP
cblr-9983	965	26	releasing	release	VERB
cblr-9983	965	27	the	the	DET
cblr-9983	965	28	model	model	NOUN
cblr-9983	965	29	and	and	CCONJ
cblr-9983	965	30	possibly	possibly	ADV
cblr-9983	965	31	the	the	DET
cblr-9983	965	32	scenarios	scenario	NOUN
cblr-9983	965	33	in	in	ADP
cblr-9983	965	34	advance	advance	NOUN
cblr-9983	965	35	.	.	PUNCT
cblr-9983	966	1	see	see	VERB
cblr-9983	966	2	ryan	ryan	PROPN
cblr-9983	966	3	tracey	tracey	PROPN
cblr-9983	966	4	,	,	PUNCT
cblr-9983	966	5	quarles	quarle	NOUN
cblr-9983	966	6	:	:	PUNCT
cblr-9983	966	7	fed	feed	VERB
cblr-9983	966	8	to	to	PART
cblr-9983	966	9	propose	propose	VERB
cblr-9983	966	10	more	more	ADV
cblr-9983	966	11	transparent	transparent	ADJ
cblr-9983	966	12	stress	stress	NOUN
cblr-9983	966	13	tests	test	NOUN
cblr-9983	966	14	,	,	PUNCT
cblr-9983	967	1	wall	wall	PROPN
cblr-9983	967	2	st	st	PROPN
cblr-9983	967	3	.	.	PROPN
cblr-9983	967	4	j.	j.	PROPN
cblr-9983	967	5	(	(	PUNCT
cblr-9983	967	6	dec	dec	PROPN
cblr-9983	967	7	.	.	PROPN
cblr-9983	967	8	1	1	NUM
cblr-9983	967	9	,	,	PUNCT
cblr-9983	967	10	2017	2017	NUM
cblr-9983	967	11	)	)	PUNCT
cblr-9983	967	12	,	,	PUNCT
cblr-9983	967	13	https://www.wsj.com/articles/quarles-fed-to-propose-moretransparent-bank-stress-tests-1512176369	https://www.wsj.com/articles/quarles-fed-to-propose-moretransparent-bank-stress-tests-1512176369	PROPN
cblr-9983	967	14	(	(	PUNCT
cblr-9983	967	15	on	on	ADP
cblr-9983	967	16	file	file	NOUN
cblr-9983	967	17	with	with	ADP
cblr-9983	967	18	the	the	DET
cblr-9983	967	19	columba	columba	PROPN
cblr-9983	967	20	business	business	PROPN
cblr-9983	967	21	law	law	PROPN
cblr-9983	967	22	review	review	PROPN
cblr-9983	967	23	)	)	PUNCT
cblr-9983	967	24	.	.	PUNCT
cblr-9983	968	1	i	i	PRON
cblr-9983	968	2	hope	hope	VERB
cblr-9983	968	3	the	the	DET
cblr-9983	968	4	text	text	NOUN
cblr-9983	968	5	has	have	AUX
cblr-9983	968	6	shown	show	VERB
cblr-9983	968	7	why	why	SCONJ
cblr-9983	968	8	this	this	DET
cblr-9983	968	9	analogy	analogy	NOUN
cblr-9983	968	10	is	be	AUX
cblr-9983	968	11	inapposite	inapposite	ADJ
cblr-9983	968	12	.	.	PUNCT
cblr-9983	969	1	while	while	SCONJ
cblr-9983	969	2	the	the	DET
cblr-9983	969	3	outcome	outcome	NOUN
cblr-9983	969	4	one	one	NOUN
cblr-9983	969	5	wants	want	VERB
cblr-9983	969	6	in	in	ADP
cblr-9983	969	7	the	the	DET
cblr-9983	969	8	case	case	NOUN
cblr-9983	969	9	of	of	ADP
cblr-9983	969	10	speed	speed	NOUN
cblr-9983	969	11	limits	limit	NOUN
cblr-9983	969	12	is	be	AUX
cblr-9983	969	13	for	for	SCONJ
cblr-9983	969	14	vehicles	vehicle	NOUN
cblr-9983	969	15	to	to	PART
cblr-9983	969	16	travel	travel	VERB
cblr-9983	969	17	below	below	ADP
cblr-9983	969	18	the	the	DET
cblr-9983	969	19	posted	post	VERB
cblr-9983	969	20	speed	speed	NOUN
cblr-9983	969	21	,	,	PUNCT
cblr-9983	969	22	the	the	DET
cblr-9983	969	23	outcome	outcome	NOUN
cblr-9983	969	24	that	that	PRON
cblr-9983	969	25	regulators	regulator	NOUN
cblr-9983	969	26	want	want	VERB
cblr-9983	969	27	is	be	AUX
cblr-9983	969	28	not	not	PART
cblr-9983	969	29	that	that	SCONJ
cblr-9983	969	30	banks	bank	NOUN
cblr-9983	969	31	hold	hold	VERB
cblr-9983	969	32	precisely	precisely	ADV
cblr-9983	969	33	enough	enough	ADJ
cblr-9983	969	34	capital	capital	NOUN
cblr-9983	969	35	to	to	PART
cblr-9983	969	36	be	be	AUX
cblr-9983	969	37	able	able	ADJ
cblr-9983	969	38	to	to	PART
cblr-9983	969	39	buffer	buffer	VERB
cblr-9983	969	40	losses	loss	NOUN
cblr-9983	969	41	should	should	AUX
cblr-9983	969	42	the	the	DET
cblr-9983	969	43	correlations	correlation	NOUN
cblr-9983	969	44	in	in	ADP
cblr-9983	969	45	the	the	DET
cblr-9983	969	46	model	model	NOUN
cblr-9983	969	47	and	and	CCONJ
cblr-9983	969	48	the	the	DET
cblr-9983	969	49	hypothesized	hypothesized	ADJ
cblr-9983	969	50	scenario	scenario	NOUN
cblr-9983	969	51	actually	actually	ADV
cblr-9983	969	52	turn	turn	VERB
cblr-9983	969	53	out	out	ADP
cblr-9983	969	54	to	to	PART
cblr-9983	969	55	be	be	AUX
cblr-9983	969	56	the	the	DET
cblr-9983	969	57	case	case	NOUN
cblr-9983	969	58	.	.	PUNCT
cblr-9983	970	1	instead	instead	ADV
cblr-9983	970	2	,	,	PUNCT
cblr-9983	970	3	overall	overall	ADJ
cblr-9983	970	4	resiliency	resiliency	NOUN
cblr-9983	970	5	is	be	AUX
cblr-9983	970	6	the	the	DET
cblr-9983	970	7	aim	aim	NOUN
cblr-9983	970	8	,	,	PUNCT
cblr-9983	970	9	with	with	ADP
cblr-9983	970	10	the	the	DET
cblr-9983	970	11	stress	stress	NOUN
cblr-9983	970	12	test	test	NOUN
cblr-9983	970	13	a	a	DET
cblr-9983	970	14	useful	useful	ADJ
cblr-9983	970	15	,	,	PUNCT
cblr-9983	970	16	but	but	CCONJ
cblr-9983	970	17	necessarily	necessarily	ADV
cblr-9983	970	18	incomplete	incomplete	ADJ
cblr-9983	970	19	way	way	NOUN
cblr-9983	970	20	of	of	ADP
cblr-9983	970	21	calibrating	calibrate	VERB
cblr-9983	970	22	capital	capital	NOUN
cblr-9983	970	23	requirements	requirement	NOUN
cblr-9983	970	24	.	.	PUNCT
cblr-9983	971	1	154	154	NUM
cblr-9983	971	2	see	see	NOUN
cblr-9983	971	3	,	,	PUNCT
cblr-9983	971	4	e.g.	e.g.	ADV
cblr-9983	971	5	,	,	PUNCT
cblr-9983	971	6	cal	cal	PROPN
cblr-9983	971	7	.	.	PUNCT
cblr-9983	972	1	wilderness	wilderness	NOUN
cblr-9983	972	2	coal	coal	PROPN
cblr-9983	972	3	v.	v.	ADP
cblr-9983	972	4	u.s	u.s	PROPN
cblr-9983	972	5	.	.	PROPN
cblr-9983	972	6	dep’t	dep’t	NOUN
cblr-9983	972	7	of	of	ADP
cblr-9983	972	8	energy	energy	NOUN
cblr-9983	972	9	,	,	PUNCT
cblr-9983	972	10	631	631	NUM
cblr-9983	972	11	f.3d	f.3d	NUM
cblr-9983	972	12	1072	1072	NUM
cblr-9983	972	13	,	,	PUNCT
cblr-9983	972	14	1089	1089	NUM
cblr-9983	972	15	(	(	PUNCT
cblr-9983	972	16	9th	9th	ADJ
cblr-9983	972	17	cir	cir	NOUN
cblr-9983	972	18	.	.	PUNCT
cblr-9983	972	19	2011	2011	NUM
cblr-9983	972	20	)	)	PUNCT
cblr-9983	972	21	(	(	PUNCT
cblr-9983	972	22	modeling	model	VERB
cblr-9983	972	23	data	datum	NOUN
cblr-9983	972	24	“	"	PUNCT
cblr-9983	972	25	critical	critical	ADJ
cblr-9983	972	26	”	"	PUNCT
cblr-9983	972	27	to	to	ADP
cblr-9983	972	28	the	the	DET
cblr-9983	972	29	ability	ability	NOUN
cblr-9983	972	30	of	of	ADP
cblr-9983	972	31	states	state	NOUN
cblr-9983	972	32	to	to	PART
cblr-9983	972	33	consult	consult	VERB
cblr-9983	972	34	meaningfully	meaningfully	ADV
cblr-9983	972	35	on	on	ADP
cblr-9983	972	36	a	a	DET
cblr-9983	972	37	congestion	congestion	NOUN
cblr-9983	972	38	study	study	NOUN
cblr-9983	972	39	that	that	PRON
cblr-9983	972	40	formed	form	VERB
cblr-9983	972	41	the	the	DET
cblr-9983	972	42	basis	basis	NOUN
cblr-9983	972	43	for	for	ADP
cblr-9983	972	44	designation	designation	NOUN
cblr-9983	972	45	of	of	ADP
cblr-9983	972	46	an	an	DET
cblr-9983	972	47	electric	electric	ADJ
cblr-9983	972	48	transmission	transmission	NOUN
cblr-9983	972	49	corridor	corridor	NOUN
cblr-9983	972	50	)	)	PUNCT
cblr-9983	972	51	;	;	PUNCT
cblr-9983	972	52	am	be	AUX
cblr-9983	972	53	.	.	PUNCT
cblr-9983	973	1	radio	radio	NOUN
cblr-9983	973	2	relay	relay	NOUN
cblr-9983	973	3	league	league	PROPN
cblr-9983	973	4	v.	v.	ADP
cblr-9983	973	5	fcc	fcc	PROPN
cblr-9983	973	6	,	,	PUNCT
cblr-9983	973	7	524	524	NUM
cblr-9983	973	8	f.3d	f.3d	NUM
cblr-9983	973	9	227	227	NUM
cblr-9983	973	10	,	,	PUNCT
cblr-9983	973	11	236–40	236–40	NUM
cblr-9983	973	12	(	(	PUNCT
cblr-9983	973	13	d.c	d.c	PROPN
cblr-9983	973	14	.	.	PROPN
cblr-9983	973	15	cir	cir	PROPN
cblr-9983	973	16	.	.	PROPN
cblr-9983	973	17	2008	2008	NUM
cblr-9983	973	18	)	)	PUNCT
cblr-9983	974	1	(	(	PUNCT
cblr-9983	974	2	holding	hold	VERB
cblr-9983	974	3	that	that	DET
cblr-9983	974	4	agency	agency	NOUN
cblr-9983	974	5	must	must	AUX
cblr-9983	974	6	release	release	VERB
cblr-9983	974	7	technical	technical	ADJ
cblr-9983	974	8	studies	study	NOUN
cblr-9983	974	9	and	and	CCONJ
cblr-9983	974	10	data	datum	NOUN
cblr-9983	974	11	on	on	ADP
cblr-9983	974	12	which	which	PRON
cblr-9983	974	13	it	it	PRON
cblr-9983	974	14	relied	rely	VERB
cblr-9983	974	15	in	in	ADP
cblr-9983	974	16	promulgating	promulgate	VERB
cblr-9983	974	17	rule	rule	NOUN
cblr-9983	974	18	to	to	PART
cblr-9983	974	19	regulate	regulate	VERB
cblr-9983	974	20	the	the	DET
cblr-9983	974	21	radio	radio	NOUN
cblr-9983	974	22	spectrum	spectrum	NOUN
cblr-9983	974	23	)	)	PUNCT
cblr-9983	974	24	;	;	PUNCT
cblr-9983	974	25	portland	portland	PROPN
cblr-9983	974	26	cement	cement	NOUN
cblr-9983	974	27	ass’n	ass’n	PROPN
cblr-9983	974	28	v.	v.	ADP
cblr-9983	974	29	ruckelshaus	ruckelshaus	NOUN
cblr-9983	974	30	,	,	PUNCT
cblr-9983	974	31	486	486	NUM
cblr-9983	974	32	f.	f.	PROPN
cblr-9983	974	33	2d	2d	PROPN
cblr-9983	974	34	375	375	NUM
cblr-9983	974	35	,	,	PUNCT
cblr-9983	974	36	393	393	NUM
cblr-9983	974	37	(	(	PUNCT
cblr-9983	974	38	d.c	d.c	PROPN
cblr-9983	974	39	.	.	PROPN
cblr-9983	974	40	cir	cir	PROPN
cblr-9983	974	41	.	.	PROPN
cblr-9983	974	42	1973	1973	NUM
cblr-9983	974	43	)	)	PUNCT
cblr-9983	974	44	(	(	PUNCT
cblr-9983	974	45	requiring	require	VERB
cblr-9983	974	46	agency	agency	NOUN
cblr-9983	974	47	to	to	PART
cblr-9983	974	48	release	release	VERB
cblr-9983	974	49	results	result	NOUN
cblr-9983	974	50	of	of	ADP
cblr-9983	974	51	testing	testing	NOUN
cblr-9983	974	52	of	of	ADP
cblr-9983	974	53	emissions	emission	NOUN
cblr-9983	974	54	at	at	ADP
cblr-9983	974	55	existing	exist	VERB
cblr-9983	974	56	plants	plant	NOUN
cblr-9983	974	57	underlying	underlie	VERB
cblr-9983	974	58	regulation	regulation	NOUN
cblr-9983	974	59	to	to	PART
cblr-9983	974	60	adopt	adopt	VERB
cblr-9983	974	61	emissions	emission	NOUN
cblr-9983	974	62	controls	control	NOUN
cblr-9983	974	63	under	under	ADP
cblr-9983	974	64	the	the	DET
cblr-9983	974	65	clean	clean	PROPN
cblr-9983	974	66	air	air	PROPN
cblr-9983	974	67	act	act	PROPN
cblr-9983	974	68	because	because	SCONJ
cblr-9983	974	69	“	"	PUNCT
cblr-9983	974	70	[	[	X
cblr-9983	974	71	i]t	i]t	NOUN
cblr-9983	974	72	is	be	AUX
cblr-9983	974	73	not	not	PART
cblr-9983	974	74	consonant	consonant	ADJ
cblr-9983	974	75	with	with	ADP
cblr-9983	974	76	the	the	DET
cblr-9983	974	77	purpose	purpose	NOUN
cblr-9983	974	78	of	of	ADP
cblr-9983	974	79	a	a	DET
cblr-9983	974	80	rule	rule	NOUN
cblr-9983	974	81	-	-	PUNCT
cblr-9983	974	82	making	make	VERB
cblr-9983	974	83	procedure	procedure	NOUN
cblr-9983	974	84	to	to	PART
cblr-9983	974	85	promulgate	promulgate	VERB
cblr-9983	974	86	rules	rule	NOUN
cblr-9983	974	87	on	on	ADP
cblr-9983	974	88	basis	basis	NOUN
cblr-9983	974	89	of	of	ADP
cblr-9983	974	90	.	.	PUNCT
cblr-9983	974	91	.	.	PUNCT
cblr-9983	974	92	.	.	PUNCT
cblr-9983	975	1	data	datum	NOUN
cblr-9983	975	2	that	that	PRON
cblr-9983	975	3	,	,	PUNCT
cblr-9983	975	4	[	[	X
cblr-9983	975	5	to	to	ADP
cblr-9983	975	6	a	a	DET
cblr-9983	975	7	]	]	X
cblr-9983	975	8	critical	critical	ADJ
cblr-9983	975	9	degree	degree	NOUN
cblr-9983	975	10	,	,	PUNCT
cblr-9983	975	11	is	be	AUX
cblr-9983	975	12	known	know	VERB
cblr-9983	975	13	only	only	ADV
cblr-9983	975	14	to	to	ADP
cblr-9983	975	15	the	the	DET
cblr-9983	975	16	agency	agency	NOUN
cblr-9983	975	17	.	.	PUNCT
cblr-9983	975	18	”	"	PUNCT
cblr-9983	975	19	)	)	PUNCT
cblr-9983	975	20	.	.	PUNCT
cblr-9983	976	1	155	155	NUM
cblr-9983	976	2	see	see	VERB
cblr-9983	976	3	portland	portland	PROPN
cblr-9983	976	4	cement	cement	NOUN
cblr-9983	976	5	ass’n	ass’n	NOUN
cblr-9983	976	6	,	,	PUNCT
cblr-9983	976	7	486	486	NUM
cblr-9983	976	8	f.2d	f.2d	NOUN
cblr-9983	976	9	at	at	ADP
cblr-9983	976	10	393	393	NUM
cblr-9983	976	11	.	.	PUNCT
cblr-9983	977	1	156	156	NUM
cblr-9983	977	2	vermont	vermont	PROPN
cblr-9983	977	3	yankee	yankee	PROPN
cblr-9983	977	4	nuclear	nuclear	PROPN
cblr-9983	977	5	power	power	PROPN
cblr-9983	977	6	corp	corp	PROPN
cblr-9983	977	7	.	.	PROPN
cblr-9983	978	1	v.	v.	PROPN
cblr-9983	978	2	nat	nat	PROPN
cblr-9983	978	3	.	.	PUNCT
cblr-9983	979	1	res	re	NOUN
cblr-9983	979	2	.	.	PUNCT
cblr-9983	980	1	def	def	PROPN
cblr-9983	980	2	.	.	PROPN
cblr-9983	980	3	council	council	PROPN
cblr-9983	980	4	,	,	PUNCT
cblr-9983	980	5	inc	inc	PROPN
cblr-9983	980	6	.	.	PROPN
cblr-9983	980	7	,	,	PUNCT
cblr-9983	980	8	435	435	NUM
cblr-9983	980	9	u.s	u.s	PROPN
cblr-9983	980	10	.	.	PROPN
cblr-9983	980	11	519	519	NUM
cblr-9983	980	12	(	(	PUNCT
cblr-9983	980	13	1978	1978	NUM
cblr-9983	980	14	)	)	PUNCT
cblr-9983	980	15	.	.	PUNCT
cblr-9983	981	1	332	332	NUM
cblr-9983	981	2	columbia	columbia	PROPN
cblr-9983	981	3	business	business	PROPN
cblr-9983	981	4	law	law	PROPN
cblr-9983	981	5	review	review	NOUN
cblr-9983	981	6	[	[	X
cblr-9983	981	7	vol	vol	NOUN
cblr-9983	981	8	.	.	PUNCT
cblr-9983	981	9	2022	2022	NUM
cblr-9983	981	10	explicitly	explicitly	ADV
cblr-9983	981	11	stated	state	VERB
cblr-9983	981	12	in	in	ADP
cblr-9983	981	13	the	the	DET
cblr-9983	981	14	apa.157	apa.157	NOUN
cblr-9983	981	15	one	one	NUM
cblr-9983	981	16	need	need	AUX
cblr-9983	981	17	not	not	PART
cblr-9983	981	18	take	take	VERB
cblr-9983	981	19	a	a	DET
cblr-9983	981	20	definitive	definitive	ADJ
cblr-9983	981	21	side	side	NOUN
cblr-9983	981	22	in	in	ADP
cblr-9983	981	23	that	that	DET
cblr-9983	981	24	debate	debate	NOUN
cblr-9983	981	25	,	,	PUNCT
cblr-9983	981	26	however	however	ADV
cblr-9983	981	27	,	,	PUNCT
cblr-9983	981	28	to	to	PART
cblr-9983	981	29	conclude	conclude	VERB
cblr-9983	981	30	that	that	SCONJ
cblr-9983	981	31	the	the	DET
cblr-9983	981	32	federal	federal	PROPN
cblr-9983	981	33	reserve	reserve	PROPN
cblr-9983	981	34	should	should	AUX
cblr-9983	981	35	have	have	VERB
cblr-9983	981	36	the	the	DET
cblr-9983	981	37	discretion	discretion	NOUN
cblr-9983	981	38	to	to	PART
cblr-9983	981	39	withhold	withhold	VERB
cblr-9983	981	40	the	the	DET
cblr-9983	981	41	model	model	NOUN
cblr-9983	981	42	code	code	NOUN
cblr-9983	981	43	from	from	ADP
cblr-9983	981	44	disclosure	disclosure	NOUN
cblr-9983	981	45	.	.	PUNCT
cblr-9983	982	1	the	the	DET
cblr-9983	982	2	reasonable	reasonable	ADJ
cblr-9983	982	3	position	position	NOUN
cblr-9983	982	4	that	that	PRON
cblr-9983	982	5	courts	court	NOUN
cblr-9983	982	6	should	should	AUX
cblr-9983	982	7	at	at	ADP
cblr-9983	982	8	times	times	PROPN
cblr-9983	982	9	elaborate	elaborate	PROPN
cblr-9983	982	10	apa	apa	PROPN
cblr-9983	982	11	requirements	requirement	NOUN
cblr-9983	982	12	in	in	ADP
cblr-9983	982	13	the	the	DET
cblr-9983	982	14	context	context	NOUN
cblr-9983	982	15	of	of	ADP
cblr-9983	982	16	specific	specific	ADJ
cblr-9983	982	17	administrative	administrative	ADJ
cblr-9983	982	18	practices	practice	NOUN
cblr-9983	982	19	is	be	AUX
cblr-9983	982	20	strongest	strong	ADJ
cblr-9983	982	21	if	if	SCONJ
cblr-9983	982	22	it	it	PRON
cblr-9983	982	23	tailors	tailor	VERB
cblr-9983	982	24	those	those	PRON
cblr-9983	982	25	elaborated	elaborate	VERB
cblr-9983	982	26	(	(	PUNCT
cblr-9983	982	27	or	or	CCONJ
cblr-9983	982	28	,	,	PUNCT
cblr-9983	982	29	de	de	X
cblr-9983	982	30	facto	facto	X
cblr-9983	982	31	,	,	PUNCT
cblr-9983	982	32	additional	additional	ADJ
cblr-9983	982	33	)	)	PUNCT
cblr-9983	982	34	requirements	requirement	NOUN
cblr-9983	982	35	to	to	ADP
cblr-9983	982	36	the	the	DET
cblr-9983	982	37	substantive	substantive	ADJ
cblr-9983	982	38	regulatory	regulatory	ADJ
cblr-9983	982	39	activity	activity	NOUN
cblr-9983	982	40	in	in	ADP
cblr-9983	982	41	which	which	PRON
cblr-9983	982	42	an	an	DET
cblr-9983	982	43	agency	agency	NOUN
cblr-9983	982	44	is	be	AUX
cblr-9983	982	45	engaged	engage	VERB
cblr-9983	982	46	.	.	PUNCT
cblr-9983	983	1	the	the	DET
cblr-9983	983	2	requirements	requirement	NOUN
cblr-9983	983	3	may	may	AUX
cblr-9983	983	4	thus	thus	ADV
cblr-9983	983	5	vary	vary	VERB
cblr-9983	983	6	from	from	ADP
cblr-9983	983	7	context	context	NOUN
cblr-9983	983	8	to	to	ADP
cblr-9983	983	9	context	context	NOUN
cblr-9983	983	10	.	.	PUNCT
cblr-9983	984	1	as	as	SCONJ
cblr-9983	984	2	mentioned	mention	VERB
cblr-9983	984	3	earlier	early	ADV
cblr-9983	984	4	,	,	PUNCT
cblr-9983	984	5	the	the	DET
cblr-9983	984	6	nature	nature	NOUN
cblr-9983	984	7	and	and	CCONJ
cblr-9983	984	8	use	use	NOUN
cblr-9983	984	9	of	of	ADP
cblr-9983	984	10	the	the	DET
cblr-9983	984	11	supervisory	supervisory	ADJ
cblr-9983	984	12	stress	stress	NOUN
cblr-9983	984	13	model	model	NOUN
cblr-9983	984	14	are	be	AUX
cblr-9983	984	15	quite	quite	ADV
cblr-9983	984	16	different	different	ADJ
cblr-9983	984	17	from	from	ADP
cblr-9983	984	18	the	the	DET
cblr-9983	984	19	models	model	NOUN
cblr-9983	984	20	used	use	VERB
cblr-9983	984	21	by	by	ADP
cblr-9983	984	22	agencies	agency	NOUN
cblr-9983	984	23	such	such	ADJ
cblr-9983	984	24	as	as	ADP
cblr-9983	984	25	the	the	DET
cblr-9983	984	26	epa	epa	PROPN
cblr-9983	984	27	and	and	CCONJ
cblr-9983	984	28	fcc	fcc	PROPN
cblr-9983	984	29	in	in	ADP
cblr-9983	984	30	the	the	DET
cblr-9983	984	31	line	line	NOUN
cblr-9983	984	32	of	of	ADP
cblr-9983	984	33	cases	case	NOUN
cblr-9983	984	34	requiring	require	VERB
cblr-9983	984	35	disclosure	disclosure	NOUN
cblr-9983	984	36	.	.	PUNCT
cblr-9983	985	1	in	in	ADP
cblr-9983	985	2	those	those	DET
cblr-9983	985	3	circumstances	circumstance	NOUN
cblr-9983	985	4	,	,	PUNCT
cblr-9983	985	5	the	the	DET
cblr-9983	985	6	model	model	NOUN
cblr-9983	985	7	was	be	AUX
cblr-9983	985	8	itself	itself	PRON
cblr-9983	985	9	generating	generate	VERB
cblr-9983	985	10	,	,	PUNCT
cblr-9983	985	11	or	or	CCONJ
cblr-9983	985	12	contributing	contribute	VERB
cblr-9983	985	13	to	to	ADP
cblr-9983	985	14	the	the	DET
cblr-9983	985	15	generation	generation	NOUN
cblr-9983	985	16	of	of	ADP
cblr-9983	985	17	,	,	PUNCT
cblr-9983	985	18	the	the	DET
cblr-9983	985	19	desired	desire	VERB
cblr-9983	985	20	regulatory	regulatory	ADJ
cblr-9983	985	21	outcome	outcome	NOUN
cblr-9983	985	22	,	,	PUNCT
cblr-9983	985	23	for	for	ADP
cblr-9983	985	24	example	example	NOUN
cblr-9983	985	25	,	,	PUNCT
cblr-9983	985	26	a	a	DET
cblr-9983	985	27	limit	limit	NOUN
cblr-9983	985	28	on	on	ADP
cblr-9983	985	29	the	the	DET
cblr-9983	985	30	emission	emission	NOUN
cblr-9983	985	31	of	of	ADP
cblr-9983	985	32	particulate	particulate	NOUN
cblr-9983	985	33	matter	matter	NOUN
cblr-9983	985	34	.	.	PUNCT
cblr-9983	986	1	knowledge	knowledge	NOUN
cblr-9983	986	2	of	of	ADP
cblr-9983	986	3	the	the	DET
cblr-9983	986	4	model	model	NOUN
cblr-9983	986	5	on	on	ADP
cblr-9983	986	6	the	the	DET
cblr-9983	986	7	part	part	NOUN
cblr-9983	986	8	of	of	ADP
cblr-9983	986	9	the	the	DET
cblr-9983	986	10	regulated	regulate	VERB
cblr-9983	986	11	firms	firm	NOUN
cblr-9983	986	12	would	would	AUX
cblr-9983	986	13	not	not	PART
cblr-9983	986	14	change	change	VERB
cblr-9983	986	15	that	that	DET
cblr-9983	986	16	outcome	outcome	NOUN
cblr-9983	986	17	.	.	PUNCT
cblr-9983	987	1	stress	stress	NOUN
cblr-9983	987	2	testing	testing	NOUN
cblr-9983	987	3	,	,	PUNCT
cblr-9983	987	4	to	to	PART
cblr-9983	987	5	reiterate	reiterate	VERB
cblr-9983	987	6	,	,	PUNCT
cblr-9983	987	7	uses	use	VERB
cblr-9983	987	8	modeling	modeling	NOUN
cblr-9983	987	9	to	to	PART
cblr-9983	987	10	test	test	VERB
cblr-9983	987	11	a	a	DET
cblr-9983	987	12	bank	bank	NOUN
cblr-9983	987	13	’s	’s	PART
cblr-9983	987	14	resiliency	resiliency	NOUN
cblr-9983	987	15	under	under	ADP
cblr-9983	987	16	different	different	ADJ
cblr-9983	987	17	hypothesized	hypothesized	ADJ
cblr-9983	987	18	conditions	condition	NOUN
cblr-9983	987	19	.	.	PUNCT
cblr-9983	988	1	banks	bank	NOUN
cblr-9983	988	2	’	’	PART
cblr-9983	988	3	knowledge	knowledge	NOUN
cblr-9983	988	4	of	of	ADP
cblr-9983	988	5	the	the	DET
cblr-9983	988	6	model	model	NOUN
cblr-9983	988	7	will	will	AUX
cblr-9983	988	8	change	change	VERB
cblr-9983	988	9	their	their	PRON
cblr-9983	988	10	behavior	behavior	NOUN
cblr-9983	988	11	and	and	CCONJ
cblr-9983	988	12	thereby	thereby	ADV
cblr-9983	988	13	compromise	compromise	VERB
cblr-9983	988	14	the	the	DET
cblr-9983	988	15	regulatory	regulatory	ADJ
cblr-9983	988	16	goal	goal	NOUN
cblr-9983	988	17	of	of	ADP
cblr-9983	988	18	adequate	adequate	ADJ
cblr-9983	988	19	capitalization	capitalization	NOUN
cblr-9983	988	20	of	of	ADP
cblr-9983	988	21	systemically	systemically	ADV
cblr-9983	988	22	important	important	ADJ
cblr-9983	988	23	banks	bank	NOUN
cblr-9983	988	24	.	.	PUNCT
cblr-9983	989	1	3	3	X
cblr-9983	989	2	.	.	X
cblr-9983	989	3	relevant	relevant	ADJ
cblr-9983	989	4	statutory	statutory	ADJ
cblr-9983	989	5	provisions	provision	NOUN
cblr-9983	989	6	on	on	ADP
cblr-9983	989	7	capital	capital	NOUN
cblr-9983	989	8	157	157	NUM
cblr-9983	989	9	in	in	ADP
cblr-9983	989	10	american	american	ADJ
cblr-9983	989	11	radio	radio	NOUN
cblr-9983	989	12	relay	relay	NOUN
cblr-9983	989	13	league	league	NOUN
cblr-9983	989	14	,	,	PUNCT
cblr-9983	989	15	then	then	ADV
cblr-9983	989	16	-	-	PUNCT
cblr-9983	989	17	judge	judge	PROPN
cblr-9983	989	18	kavanagh	kavanagh	PROPN
cblr-9983	989	19	’s	’s	PART
cblr-9983	989	20	observed	observe	VERB
cblr-9983	989	21	:	:	PUNCT
cblr-9983	989	22	portland	portland	PROPN
cblr-9983	989	23	cement	cement	NOUN
cblr-9983	989	24	stands	stand	VERB
cblr-9983	989	25	on	on	ADP
cblr-9983	989	26	a	a	DET
cblr-9983	989	27	shaky	shaky	ADJ
cblr-9983	989	28	legal	legal	ADJ
cblr-9983	989	29	foundation	foundation	NOUN
cblr-9983	989	30	(	(	PUNCT
cblr-9983	989	31	even	even	ADV
cblr-9983	989	32	though	though	SCONJ
cblr-9983	989	33	it	it	PRON
cblr-9983	989	34	may	may	AUX
cblr-9983	989	35	make	make	VERB
cblr-9983	989	36	sense	sense	NOUN
cblr-9983	989	37	as	as	ADP
cblr-9983	989	38	a	a	DET
cblr-9983	989	39	policy	policy	NOUN
cblr-9983	989	40	matter	matter	NOUN
cblr-9983	989	41	in	in	ADP
cblr-9983	989	42	some	some	DET
cblr-9983	989	43	cases	case	NOUN
cblr-9983	989	44	)	)	PUNCT
cblr-9983	989	45	.	.	PUNCT
cblr-9983	990	1	put	put	VERB
cblr-9983	990	2	bluntly	bluntly	ADV
cblr-9983	990	3	,	,	PUNCT
cblr-9983	990	4	the	the	DET
cblr-9983	990	5	portland	portland	PROPN
cblr-9983	990	6	cement	cement	NOUN
cblr-9983	990	7	doctrine	doctrine	NOUN
cblr-9983	990	8	can	can	AUX
cblr-9983	990	9	not	not	PART
cblr-9983	990	10	be	be	AUX
cblr-9983	990	11	squared	square	VERB
cblr-9983	990	12	with	with	ADP
cblr-9983	990	13	the	the	DET
cblr-9983	990	14	text	text	NOUN
cblr-9983	990	15	of	of	ADP
cblr-9983	990	16	§	§	PROPN
cblr-9983	990	17	553	553	NUM
cblr-9983	990	18	of	of	ADP
cblr-9983	990	19	the	the	DET
cblr-9983	990	20	apa	apa	PROPN
cblr-9983	990	21	.	.	PROPN
cblr-9983	991	1	and	and	CCONJ
cblr-9983	991	2	portland	portland	PROPN
cblr-9983	991	3	cement	cement	NOUN
cblr-9983	991	4	’s	’s	PART
cblr-9983	991	5	lack	lack	NOUN
cblr-9983	991	6	of	of	ADP
cblr-9983	991	7	roots	root	NOUN
cblr-9983	991	8	in	in	ADP
cblr-9983	991	9	the	the	DET
cblr-9983	991	10	statutory	statutory	ADJ
cblr-9983	991	11	text	text	NOUN
cblr-9983	991	12	creates	create	VERB
cblr-9983	991	13	a	a	DET
cblr-9983	991	14	serious	serious	ADJ
cblr-9983	991	15	jurisprudential	jurisprudential	ADJ
cblr-9983	991	16	problem	problem	NOUN
cblr-9983	991	17	because	because	SCONJ
cblr-9983	991	18	the	the	DET
cblr-9983	991	19	supreme	supreme	PROPN
cblr-9983	991	20	court	court	PROPN
cblr-9983	991	21	later	later	ADV
cblr-9983	991	22	rejected	reject	VERB
cblr-9983	991	23	this	this	DET
cblr-9983	991	24	kind	kind	NOUN
cblr-9983	991	25	of	of	ADP
cblr-9983	991	26	freeform	freeform	ADJ
cblr-9983	991	27	interpretation	interpretation	NOUN
cblr-9983	991	28	of	of	ADP
cblr-9983	991	29	the	the	DET
cblr-9983	991	30	apa	apa	PROPN
cblr-9983	992	1	[	[	X
cblr-9983	992	2	i]n	i]n	VERB
cblr-9983	992	3	its	its	PRON
cblr-9983	992	4	landmark	landmark	PROPN
cblr-9983	992	5	vermont	vermont	PROPN
cblr-9983	992	6	yankee	yankee	PROPN
cblr-9983	992	7	decision	decision	NOUN
cblr-9983	992	8	.	.	PUNCT
cblr-9983	993	1	am	be	AUX
cblr-9983	993	2	.	.	PUNCT
cblr-9983	994	1	radio	radio	NOUN
cblr-9983	994	2	relay	relay	NOUN
cblr-9983	994	3	league	league	NOUN
cblr-9983	994	4	,	,	PUNCT
cblr-9983	994	5	524	524	NUM
cblr-9983	994	6	f.3d	f.3d	NUM
cblr-9983	994	7	at	at	ADP
cblr-9983	994	8	246	246	NUM
cblr-9983	994	9	(	(	PUNCT
cblr-9983	994	10	kavanagh	kavanagh	PROPN
cblr-9983	994	11	,	,	PUNCT
cblr-9983	994	12	j.	j.	PROPN
cblr-9983	994	13	concurring	concur	VERB
cblr-9983	994	14	in	in	ADP
cblr-9983	994	15	part	part	NOUN
cblr-9983	994	16	and	and	CCONJ
cblr-9983	994	17	dissenting	dissent	VERB
cblr-9983	994	18	in	in	ADP
cblr-9983	994	19	part	part	NOUN
cblr-9983	994	20	)	)	PUNCT
cblr-9983	994	21	.	.	PUNCT
cblr-9983	995	1	in	in	ADP
cblr-9983	995	2	little	little	ADJ
cblr-9983	995	3	sisters	sister	NOUN
cblr-9983	995	4	of	of	ADP
cblr-9983	995	5	the	the	DET
cblr-9983	995	6	poor	poor	ADJ
cblr-9983	995	7	saints	saint	NOUN
cblr-9983	995	8	peter	peter	PROPN
cblr-9983	995	9	&	&	CCONJ
cblr-9983	995	10	paul	paul	PROPN
cblr-9983	995	11	home	home	PROPN
cblr-9983	995	12	v.	v.	ADP
cblr-9983	995	13	pennsylvania	pennsylvania	PROPN
cblr-9983	995	14	,	,	PUNCT
cblr-9983	995	15	140	140	NUM
cblr-9983	995	16	s.ct	s.ct	NOUN
cblr-9983	995	17	.	.	PROPN
cblr-9983	995	18	2367	2367	NUM
cblr-9983	995	19	,	,	PUNCT
cblr-9983	995	20	2385–86	2385–86	NUM
cblr-9983	995	21	(	(	PUNCT
cblr-9983	995	22	2020	2020	NUM
cblr-9983	995	23	)	)	PUNCT
cblr-9983	995	24	,	,	PUNCT
cblr-9983	995	25	the	the	DET
cblr-9983	995	26	court	court	NOUN
cblr-9983	995	27	reiterated	reiterate	VERB
cblr-9983	995	28	its	its	PRON
cblr-9983	995	29	vermont	vermont	PROPN
cblr-9983	995	30	yankee	yankee	PROPN
cblr-9983	995	31	doctrine	doctrine	PROPN
cblr-9983	995	32	.	.	PUNCT
cblr-9983	996	1	no	no	INTJ
cblr-9983	996	2	.	.	PUNCT
cblr-9983	997	1	1:279	1:279	NOUN
cblr-9983	997	2	]	]	X
cblr-9983	997	3	bank	bank	NOUN
cblr-9983	997	4	supervision	supervision	NOUN
cblr-9983	997	5	and	and	CCONJ
cblr-9983	997	6	administrative	administrative	ADJ
cblr-9983	997	7	law	law	NOUN
cblr-9983	997	8	333	333	NUM
cblr-9983	997	9	regulation	regulation	NOUN
cblr-9983	997	10	.	.	PUNCT
cblr-9983	998	1	up	up	ADP
cblr-9983	998	2	to	to	ADP
cblr-9983	998	3	this	this	DET
cblr-9983	998	4	point	point	NOUN
cblr-9983	998	5	,	,	PUNCT
cblr-9983	998	6	my	my	PRON
cblr-9983	998	7	rebuttal	rebuttal	NOUN
cblr-9983	998	8	to	to	ADP
cblr-9983	998	9	arguments	argument	NOUN
cblr-9983	998	10	that	that	SCONJ
cblr-9983	998	11	administrative	administrative	ADJ
cblr-9983	998	12	law	law	NOUN
cblr-9983	998	13	requires	require	VERB
cblr-9983	998	14	the	the	DET
cblr-9983	998	15	supervisory	supervisory	ADJ
cblr-9983	998	16	model	model	NOUN
cblr-9983	998	17	and	and	CCONJ
cblr-9983	998	18	stress	stress	NOUN
cblr-9983	998	19	scenarios	scenario	NOUN
cblr-9983	998	20	to	to	PART
cblr-9983	998	21	be	be	AUX
cblr-9983	998	22	notice	notice	NOUN
cblr-9983	998	23	-	-	PUNCT
cblr-9983	998	24	and	and	CCONJ
cblr-9983	998	25	-	-	PUNCT
cblr-9983	998	26	comment	comment	NOUN
cblr-9983	998	27	rules	rule	NOUN
cblr-9983	998	28	has	have	AUX
cblr-9983	998	29	rested	rest	VERB
cblr-9983	998	30	in	in	ADP
cblr-9983	998	31	part	part	NOUN
cblr-9983	998	32	on	on	ADP
cblr-9983	998	33	the	the	DET
cblr-9983	998	34	nature	nature	NOUN
cblr-9983	998	35	of	of	ADP
cblr-9983	998	36	capital	capital	NOUN
cblr-9983	998	37	regulation	regulation	NOUN
cblr-9983	998	38	and	and	CCONJ
cblr-9983	998	39	stress	stress	NOUN
cblr-9983	998	40	testing	testing	NOUN
cblr-9983	998	41	.	.	PUNCT
cblr-9983	999	1	that	that	PRON
cblr-9983	999	2	is	is	ADV
cblr-9983	999	3	,	,	PUNCT
cblr-9983	999	4	i	i	PRON
cblr-9983	999	5	have	have	AUX
cblr-9983	999	6	tried	try	VERB
cblr-9983	999	7	to	to	PART
cblr-9983	999	8	distinguish	distinguish	VERB
cblr-9983	999	9	precedents	precedent	NOUN
cblr-9983	999	10	developed	develop	VERB
cblr-9983	999	11	in	in	ADP
cblr-9983	999	12	other	other	ADJ
cblr-9983	999	13	substantive	substantive	ADJ
cblr-9983	999	14	areas	area	NOUN
cblr-9983	999	15	based	base	VERB
cblr-9983	999	16	on	on	ADP
cblr-9983	999	17	the	the	DET
cblr-9983	999	18	differences	difference	NOUN
cblr-9983	999	19	between	between	ADP
cblr-9983	999	20	capital	capital	NOUN
cblr-9983	999	21	regulation	regulation	NOUN
cblr-9983	999	22	and	and	CCONJ
cblr-9983	999	23	those	those	DET
cblr-9983	999	24	other	other	ADJ
cblr-9983	999	25	areas	area	NOUN
cblr-9983	999	26	.	.	PUNCT
cblr-9983	1000	1	my	my	PRON
cblr-9983	1000	2	argument	argument	NOUN
cblr-9983	1000	3	for	for	ADP
cblr-9983	1000	4	the	the	DET
cblr-9983	1000	5	application	application	NOUN
cblr-9983	1000	6	of	of	ADP
cblr-9983	1000	7	the	the	DET
cblr-9983	1000	8	good	good	ADJ
cblr-9983	1000	9	cause	cause	NOUN
cblr-9983	1000	10	exception	exception	NOUN
cblr-9983	1000	11	similarly	similarly	ADV
cblr-9983	1000	12	relies	rely	VERB
cblr-9983	1000	13	on	on	ADP
cblr-9983	1000	14	the	the	DET
cblr-9983	1000	15	peculiarities	peculiarity	NOUN
cblr-9983	1000	16	of	of	ADP
cblr-9983	1000	17	stress	stress	NOUN
cblr-9983	1000	18	testing	testing	NOUN
cblr-9983	1000	19	.	.	PUNCT
cblr-9983	1001	1	needless	needless	ADJ
cblr-9983	1001	2	to	to	PART
cblr-9983	1001	3	say	say	VERB
cblr-9983	1001	4	,	,	PUNCT
cblr-9983	1001	5	i	i	PRON
cblr-9983	1001	6	believe	believe	VERB
cblr-9983	1001	7	this	this	DET
cblr-9983	1001	8	attention	attention	NOUN
cblr-9983	1001	9	to	to	ADP
cblr-9983	1001	10	differences	difference	NOUN
cblr-9983	1001	11	among	among	ADP
cblr-9983	1001	12	substantive	substantive	ADJ
cblr-9983	1001	13	regulatory	regulatory	ADJ
cblr-9983	1001	14	areas	area	NOUN
cblr-9983	1001	15	and	and	CCONJ
cblr-9983	1001	16	regulatory	regulatory	ADJ
cblr-9983	1001	17	agencies	agency	NOUN
cblr-9983	1001	18	is	be	AUX
cblr-9983	1001	19	the	the	DET
cblr-9983	1001	20	right	right	ADJ
cblr-9983	1001	21	approach	approach	NOUN
cblr-9983	1001	22	to	to	ADP
cblr-9983	1001	23	judicial	judicial	ADJ
cblr-9983	1001	24	review	review	NOUN
cblr-9983	1001	25	of	of	ADP
cblr-9983	1001	26	administrative	administrative	ADJ
cblr-9983	1001	27	action	action	NOUN
cblr-9983	1001	28	.	.	PUNCT
cblr-9983	1002	1	still	still	ADV
cblr-9983	1002	2	,	,	PUNCT
cblr-9983	1002	3	there	there	PRON
cblr-9983	1002	4	will	will	AUX
cblr-9983	1002	5	always	always	ADV
cblr-9983	1002	6	be	be	AUX
cblr-9983	1002	7	some	some	DET
cblr-9983	1002	8	room	room	NOUN
cblr-9983	1002	9	for	for	ADP
cblr-9983	1002	10	disagreement	disagreement	NOUN
cblr-9983	1002	11	on	on	ADP
cblr-9983	1002	12	how	how	SCONJ
cblr-9983	1002	13	general	general	ADJ
cblr-9983	1002	14	administrative	administrative	ADJ
cblr-9983	1002	15	law	law	NOUN
cblr-9983	1002	16	requirements	requirement	NOUN
cblr-9983	1002	17	should	should	AUX
cblr-9983	1002	18	be	be	AUX
cblr-9983	1002	19	applied	apply	VERB
cblr-9983	1002	20	to	to	ADP
cblr-9983	1002	21	any	any	DET
cblr-9983	1002	22	substantive	substantive	ADJ
cblr-9983	1002	23	regulatory	regulatory	ADJ
cblr-9983	1002	24	program	program	NOUN
cblr-9983	1002	25	,	,	PUNCT
cblr-9983	1002	26	including	include	VERB
cblr-9983	1002	27	stress	stress	NOUN
cblr-9983	1002	28	testing	testing	NOUN
cblr-9983	1002	29	.	.	PUNCT
cblr-9983	1003	1	once	once	ADV
cblr-9983	1003	2	relevant	relevant	ADJ
cblr-9983	1003	3	provisions	provision	NOUN
cblr-9983	1003	4	of	of	ADP
cblr-9983	1003	5	statutory	statutory	ADJ
cblr-9983	1003	6	banking	banking	NOUN
cblr-9983	1003	7	law	law	NOUN
cblr-9983	1003	8	are	be	AUX
cblr-9983	1003	9	considered	consider	VERB
cblr-9983	1003	10	,	,	PUNCT
cblr-9983	1003	11	however	however	ADV
cblr-9983	1003	12	,	,	PUNCT
cblr-9983	1003	13	any	any	DET
cblr-9983	1003	14	question	question	NOUN
cblr-9983	1003	15	on	on	ADP
cblr-9983	1003	16	the	the	DET
cblr-9983	1003	17	breadth	breadth	NOUN
cblr-9983	1003	18	of	of	ADP
cblr-9983	1003	19	the	the	DET
cblr-9983	1003	20	federal	federal	PROPN
cblr-9983	1003	21	reserve	reserve	PROPN
cblr-9983	1003	22	’s	’s	PART
cblr-9983	1003	23	discretion	discretion	NOUN
cblr-9983	1003	24	in	in	ADP
cblr-9983	1003	25	this	this	DET
cblr-9983	1003	26	area	area	NOUN
cblr-9983	1003	27	should	should	AUX
cblr-9983	1003	28	fall	fall	VERB
cblr-9983	1003	29	away.158	away.158	NOUN
cblr-9983	1003	30	there	there	PRON
cblr-9983	1003	31	are	be	VERB
cblr-9983	1003	32	two	two	NUM
cblr-9983	1003	33	key	key	ADJ
cblr-9983	1003	34	statutory	statutory	ADJ
cblr-9983	1003	35	provisions	provision	NOUN
cblr-9983	1003	36	.	.	PUNCT
cblr-9983	1004	1	the	the	DET
cblr-9983	1004	2	first	first	ADJ
cblr-9983	1004	3	is	be	AUX
cblr-9983	1004	4	the	the	DET
cblr-9983	1004	5	requirement	requirement	NOUN
cblr-9983	1004	6	in	in	ADP
cblr-9983	1004	7	section	section	NOUN
cblr-9983	1004	8	165	165	NUM
cblr-9983	1004	9	of	of	ADP
cblr-9983	1004	10	the	the	DET
cblr-9983	1004	11	dodd	dodd	PROPN
cblr-9983	1004	12	-	-	PUNCT
cblr-9983	1004	13	frank	frank	PROPN
cblr-9983	1004	14	act	act	NOUN
cblr-9983	1004	15	of	of	ADP
cblr-9983	1004	16	enhanced	enhanced	ADJ
cblr-9983	1004	17	prudential	prudential	ADJ
cblr-9983	1004	18	standards	standard	NOUN
cblr-9983	1004	19	for	for	ADP
cblr-9983	1004	20	large	large	ADJ
cblr-9983	1004	21	bank	bank	NOUN
cblr-9983	1004	22	holding	hold	VERB
cblr-9983	1004	23	companies.159	companies.159	PROPN
cblr-9983	1004	24	158	158	NUM
cblr-9983	1004	25	it	it	PRON
cblr-9983	1004	26	is	be	AUX
cblr-9983	1004	27	telling	tell	VERB
cblr-9983	1004	28	that	that	SCONJ
cblr-9983	1004	29	the	the	DET
cblr-9983	1004	30	ccmr	ccmr	NOUN
cblr-9983	1004	31	report	report	NOUN
cblr-9983	1004	32	barely	barely	ADV
cblr-9983	1004	33	mentions	mention	VERB
cblr-9983	1004	34	banking	banking	NOUN
cblr-9983	1004	35	law	law	NOUN
cblr-9983	1004	36	.	.	PUNCT
cblr-9983	1005	1	see	see	VERB
cblr-9983	1005	2	ccmr	ccmr	NOUN
cblr-9983	1005	3	paper	paper	NOUN
cblr-9983	1005	4	,	,	PUNCT
cblr-9983	1005	5	supra	supra	PROPN
cblr-9983	1005	6	note	note	NOUN
cblr-9983	1005	7	8	8	NUM
cblr-9983	1005	8	.	.	NOUN
cblr-9983	1005	9	159	159	NUM
cblr-9983	1005	10	dodd	dodd	PROPN
cblr-9983	1005	11	-	-	PUNCT
cblr-9983	1005	12	frank	frank	PROPN
cblr-9983	1005	13	act	act	PROPN
cblr-9983	1005	14	,	,	PUNCT
cblr-9983	1005	15	12	12	NUM
cblr-9983	1005	16	u.s.c	u.s.c	ADJ
cblr-9983	1005	17	.	.	PUNCT
cblr-9983	1006	1	§	§	PROPN
cblr-9983	1006	2	5365	5365	NUM
cblr-9983	1006	3	(	(	PUNCT
cblr-9983	1006	4	2018	2018	NUM
cblr-9983	1006	5	)	)	PUNCT
cblr-9983	1006	6	.	.	PUNCT
cblr-9983	1007	1	with	with	ADP
cblr-9983	1007	2	the	the	DET
cblr-9983	1007	3	amendments	amendment	NOUN
cblr-9983	1007	4	enacted	enact	VERB
cblr-9983	1007	5	in	in	ADP
cblr-9983	1007	6	2018	2018	NUM
cblr-9983	1007	7	,	,	PUNCT
cblr-9983	1007	8	that	that	DET
cblr-9983	1007	9	provision	provision	NOUN
cblr-9983	1007	10	currently	currently	ADV
cblr-9983	1007	11	requires	require	VERB
cblr-9983	1007	12	a	a	DET
cblr-9983	1007	13	range	range	NOUN
cblr-9983	1007	14	of	of	ADP
cblr-9983	1007	15	enhanced	enhanced	ADJ
cblr-9983	1007	16	prudential	prudential	ADJ
cblr-9983	1007	17	standards	standard	NOUN
cblr-9983	1007	18	for	for	ADP
cblr-9983	1007	19	banks	bank	NOUN
cblr-9983	1007	20	with	with	ADP
cblr-9983	1007	21	assets	asset	NOUN
cblr-9983	1007	22	equal	equal	ADJ
cblr-9983	1007	23	to	to	ADP
cblr-9983	1007	24	or	or	CCONJ
cblr-9983	1007	25	greater	great	ADJ
cblr-9983	1007	26	than	than	ADP
cblr-9983	1007	27	$	$	SYM
cblr-9983	1007	28	250	250	NUM
cblr-9983	1007	29	billion	billion	NUM
cblr-9983	1007	30	,	,	PUNCT
cblr-9983	1007	31	allows	allow	VERB
cblr-9983	1007	32	the	the	DET
cblr-9983	1007	33	federal	federal	PROPN
cblr-9983	1007	34	reserve	reserve	PROPN
cblr-9983	1007	35	to	to	PART
cblr-9983	1007	36	impose	impose	VERB
cblr-9983	1007	37	such	such	ADJ
cblr-9983	1007	38	standards	standard	NOUN
cblr-9983	1007	39	for	for	ADP
cblr-9983	1007	40	banks	bank	NOUN
cblr-9983	1007	41	with	with	ADP
cblr-9983	1007	42	assets	asset	NOUN
cblr-9983	1007	43	equal	equal	ADJ
cblr-9983	1007	44	to	to	ADP
cblr-9983	1007	45	or	or	CCONJ
cblr-9983	1007	46	greater	great	ADJ
cblr-9983	1007	47	than	than	ADP
cblr-9983	1007	48	$	$	SYM
cblr-9983	1007	49	100	100	NUM
cblr-9983	1007	50	billion	billion	NUM
cblr-9983	1007	51	,	,	PUNCT
cblr-9983	1007	52	and	and	CCONJ
cblr-9983	1007	53	requires	require	VERB
cblr-9983	1007	54	supervisory	supervisory	ADJ
cblr-9983	1007	55	stress	stress	NOUN
cblr-9983	1007	56	tests	test	NOUN
cblr-9983	1007	57	for	for	ADP
cblr-9983	1007	58	all	all	DET
cblr-9983	1007	59	banks	bank	NOUN
cblr-9983	1007	60	with	with	ADP
cblr-9983	1007	61	assets	asset	NOUN
cblr-9983	1007	62	equal	equal	ADJ
cblr-9983	1007	63	to	to	ADP
cblr-9983	1007	64	or	or	CCONJ
cblr-9983	1007	65	greater	great	ADJ
cblr-9983	1007	66	than	than	ADP
cblr-9983	1007	67	$	$	SYM
cblr-9983	1007	68	100	100	NUM
cblr-9983	1007	69	billion	billion	NUM
cblr-9983	1007	70	,	,	PUNCT
cblr-9983	1007	71	though	though	SCONJ
cblr-9983	1007	72	only	only	ADV
cblr-9983	1007	73	on	on	ADP
cblr-9983	1007	74	a	a	DET
cblr-9983	1007	75	“	"	PUNCT
cblr-9983	1007	76	periodic	periodic	ADJ
cblr-9983	1007	77	basis	basis	NOUN
cblr-9983	1007	78	”	"	PUNCT
cblr-9983	1007	79	for	for	ADP
cblr-9983	1007	80	banks	bank	NOUN
cblr-9983	1007	81	with	with	ADP
cblr-9983	1007	82	assets	asset	NOUN
cblr-9983	1007	83	between	between	ADP
cblr-9983	1007	84	$	$	SYM
cblr-9983	1007	85	100	100	NUM
cblr-9983	1007	86	billion	billion	NUM
cblr-9983	1007	87	and	and	CCONJ
cblr-9983	1007	88	$	$	SYM
cblr-9983	1007	89	250	250	NUM
cblr-9983	1007	90	billion	billion	NUM
cblr-9983	1007	91	.	.	PUNCT
cblr-9983	1008	1	economic	economic	ADJ
cblr-9983	1008	2	growth	growth	NOUN
cblr-9983	1008	3	,	,	PUNCT
cblr-9983	1008	4	regulatory	regulatory	ADJ
cblr-9983	1008	5	relief	relief	NOUN
cblr-9983	1008	6	,	,	PUNCT
cblr-9983	1008	7	and	and	CCONJ
cblr-9983	1008	8	consumer	consumer	NOUN
cblr-9983	1008	9	protection	protection	PROPN
cblr-9983	1008	10	act	act	PROPN
cblr-9983	1008	11	,	,	PUNCT
cblr-9983	1008	12	pub	pub	NOUN
cblr-9983	1008	13	.	.	PUNCT
cblr-9983	1009	1	l.	l.	NOUN
cblr-9983	1009	2	115	115	NUM
cblr-9983	1009	3	-	-	SYM
cblr-9983	1009	4	174	174	NUM
cblr-9983	1009	5	,	,	PUNCT
cblr-9983	1009	6	§	§	PROPN
cblr-9983	1009	7	401(e	401(e	PROPN
cblr-9983	1009	8	)	)	PUNCT
cblr-9983	1009	9	,	,	PUNCT
cblr-9983	1009	10	132	132	NUM
cblr-9983	1009	11	stat	stat	NOUN
cblr-9983	1009	12	.	.	PUNCT
cblr-9983	1010	1	1296	1296	NUM
cblr-9983	1010	2	,	,	PUNCT
cblr-9983	1010	3	1359	1359	NUM
cblr-9983	1010	4	(	(	PUNCT
cblr-9983	1010	5	2018	2018	NUM
cblr-9983	1010	6	)	)	PUNCT
cblr-9983	1010	7	(	(	PUNCT
cblr-9983	1010	8	codified	codify	VERB
cblr-9983	1010	9	at	at	ADP
cblr-9983	1010	10	12	12	NUM
cblr-9983	1010	11	u.s.c	u.s.c	NOUN
cblr-9983	1010	12	.	.	PUNCT
cblr-9983	1011	1	§	§	PROPN
cblr-9983	1011	2	5365	5365	NUM
cblr-9983	1011	3	note	note	NOUN
cblr-9983	1011	4	)	)	PUNCT
cblr-9983	1011	5	.	.	PUNCT
cblr-9983	1012	1	in	in	ADP
cblr-9983	1012	2	addition	addition	NOUN
cblr-9983	1012	3	to	to	ADP
cblr-9983	1012	4	the	the	DET
cblr-9983	1012	5	enhanced	enhance	VERB
cblr-9983	1012	6	prudential	prudential	ADJ
cblr-9983	1012	7	standards	standard	NOUN
cblr-9983	1012	8	required	require	VERB
cblr-9983	1012	9	by	by	ADP
cblr-9983	1012	10	subsections	subsection	NOUN
cblr-9983	1012	11	(	(	PUNCT
cblr-9983	1012	12	a	a	NOUN
cblr-9983	1012	13	)	)	PUNCT
cblr-9983	1012	14	and	and	CCONJ
cblr-9983	1012	15	(	(	PUNCT
cblr-9983	1012	16	b	b	NOUN
cblr-9983	1012	17	)	)	PUNCT
cblr-9983	1012	18	,	,	PUNCT
cblr-9983	1012	19	section	section	NOUN
cblr-9983	1012	20	165	165	NUM
cblr-9983	1012	21	contains	contain	VERB
cblr-9983	1012	22	various	various	ADJ
cblr-9983	1012	23	other	other	ADJ
cblr-9983	1012	24	prudential	prudential	ADJ
cblr-9983	1012	25	requirements	requirement	NOUN
cblr-9983	1012	26	for	for	ADP
cblr-9983	1012	27	large	large	ADJ
cblr-9983	1012	28	banks	bank	NOUN
cblr-9983	1012	29	.	.	PUNCT
cblr-9983	1013	1	some	some	PRON
cblr-9983	1013	2	,	,	PUNCT
cblr-9983	1013	3	like	like	ADP
cblr-9983	1013	4	stress	stress	NOUN
cblr-9983	1013	5	testing	testing	NOUN
cblr-9983	1013	6	,	,	PUNCT
cblr-9983	1013	7	12	12	NUM
cblr-9983	1013	8	u.s.c	u.s.c	ADJ
cblr-9983	1013	9	.	.	PUNCT
cblr-9983	1014	1	§	§	PROPN
cblr-9983	1014	2	5365(i	5365(i	NUM
cblr-9983	1014	3	)	)	PUNCT
cblr-9983	1014	4	(	(	PUNCT
cblr-9983	1014	5	2018	2018	NUM
cblr-9983	1014	6	)	)	PUNCT
cblr-9983	1014	7	,	,	PUNCT
cblr-9983	1014	8	and	and	CCONJ
cblr-9983	1014	9	counterparty	counterparty	NOUN
cblr-9983	1014	10	credit	credit	NOUN
cblr-9983	1014	11	exposures	exposure	NOUN
cblr-9983	1014	12	,	,	PUNCT
cblr-9983	1014	13	i	i	PROPN
cblr-9983	1014	14	d.	d.	PROPN
cblr-9983	1014	15	§	§	PROPN
cblr-9983	1014	16	5365(e)(3	5365(e)(3	NOUN
cblr-9983	1014	17	)	)	PUNCT
cblr-9983	1014	18	,	,	PUNCT
cblr-9983	1014	19	are	be	AUX
cblr-9983	1014	20	mentioned	mention	VERB
cblr-9983	1014	21	in	in	ADP
cblr-9983	1014	22	the	the	DET
cblr-9983	1014	23	text	text	NOUN
cblr-9983	1014	24	.	.	PUNCT
cblr-9983	1015	1	others	other	NOUN
cblr-9983	1015	2	,	,	PUNCT
cblr-9983	1015	3	such	such	ADJ
cblr-9983	1015	4	as	as	ADP
cblr-9983	1015	5	the	the	DET
cblr-9983	1015	6	requirement	requirement	NOUN
cblr-9983	1015	7	for	for	ADP
cblr-9983	1015	8	resolution	resolution	NOUN
cblr-9983	1015	9	planning	planning	NOUN
cblr-9983	1015	10	,	,	PUNCT
cblr-9983	1015	11	are	be	AUX
cblr-9983	1015	12	not	not	PART
cblr-9983	1015	13	directly	directly	ADV
cblr-9983	1015	14	relevant	relevant	ADJ
cblr-9983	1015	15	to	to	ADP
cblr-9983	1015	16	the	the	DET
cblr-9983	1015	17	questions	question	NOUN
cblr-9983	1015	18	addressed	address	VERB
cblr-9983	1015	19	here	here	ADV
cblr-9983	1015	20	.	.	PUNCT
cblr-9983	1016	1	i	i	PRON
cblr-9983	1016	2	d.	d.	PROPN
cblr-9983	1016	3	§	§	PROPN
cblr-9983	1016	4	5365(d	5365(d	PROPN
cblr-9983	1016	5	)	)	PUNCT
cblr-9983	1016	6	.	.	PUNCT
cblr-9983	1017	1	334	334	NUM
cblr-9983	1017	2	columbia	columbia	PROPN
cblr-9983	1017	3	business	business	NOUN
cblr-9983	1017	4	law	law	PROPN
cblr-9983	1017	5	review	review	NOUN
cblr-9983	1017	6	[	[	X
cblr-9983	1017	7	vol	vol	NOUN
cblr-9983	1017	8	.	.	PUNCT
cblr-9983	1017	9	2022	2022	NUM
cblr-9983	1017	10	these	these	DET
cblr-9983	1017	11	standards	standard	NOUN
cblr-9983	1017	12	,	,	PUNCT
cblr-9983	1017	13	which	which	PRON
cblr-9983	1017	14	are	be	AUX
cblr-9983	1017	15	to	to	PART
cblr-9983	1017	16	be	be	AUX
cblr-9983	1017	17	“	"	PUNCT
cblr-9983	1017	18	more	more	ADJ
cblr-9983	1017	19	stringent”160	stringent”160	NOUN
cblr-9983	1017	20	than	than	ADP
cblr-9983	1017	21	those	those	PRON
cblr-9983	1017	22	applicable	applicable	ADJ
cblr-9983	1017	23	to	to	ADP
cblr-9983	1017	24	smaller	small	ADJ
cblr-9983	1017	25	banks	bank	NOUN
cblr-9983	1017	26	,	,	PUNCT
cblr-9983	1017	27	must	must	AUX
cblr-9983	1017	28	“	"	PUNCT
cblr-9983	1017	29	increase	increase	VERB
cblr-9983	1017	30	in	in	ADP
cblr-9983	1017	31	stringency	stringency	NOUN
cblr-9983	1017	32	”	"	PUNCT
cblr-9983	1017	33	based	base	VERB
cblr-9983	1017	34	on	on	ADP
cblr-9983	1017	35	the	the	DET
cblr-9983	1017	36	risk	risk	NOUN
cblr-9983	1017	37	posed	pose	VERB
cblr-9983	1017	38	by	by	ADP
cblr-9983	1017	39	banks	bank	NOUN
cblr-9983	1017	40	to	to	ADP
cblr-9983	1017	41	financial	financial	ADJ
cblr-9983	1017	42	stability	stability	NOUN
cblr-9983	1017	43	,	,	PUNCT
cblr-9983	1017	44	safety	safety	NOUN
cblr-9983	1017	45	and	and	CCONJ
cblr-9983	1017	46	soundness.161	soundness.161	VERB
cblr-9983	1017	47	the	the	DET
cblr-9983	1017	48	board	board	NOUN
cblr-9983	1017	49	of	of	ADP
cblr-9983	1017	50	governors	governor	NOUN
cblr-9983	1017	51	is	be	AUX
cblr-9983	1017	52	instructed	instruct	VERB
cblr-9983	1017	53	,	,	PUNCT
cblr-9983	1017	54	in	in	ADP
cblr-9983	1017	55	developing	develop	VERB
cblr-9983	1017	56	these	these	DET
cblr-9983	1017	57	standards	standard	NOUN
cblr-9983	1017	58	,	,	PUNCT
cblr-9983	1017	59	to	to	PART
cblr-9983	1017	60	“	"	PUNCT
cblr-9983	1017	61	differentiate	differentiate	VERB
cblr-9983	1017	62	among	among	ADP
cblr-9983	1017	63	companies	company	NOUN
cblr-9983	1017	64	on	on	ADP
cblr-9983	1017	65	an	an	DET
cblr-9983	1017	66	individual	individual	ADJ
cblr-9983	1017	67	basis	basis	NOUN
cblr-9983	1017	68	or	or	CCONJ
cblr-9983	1017	69	by	by	ADP
cblr-9983	1017	70	category	category	NOUN
cblr-9983	1017	71	,	,	PUNCT
cblr-9983	1017	72	taking	take	VERB
cblr-9983	1017	73	into	into	ADP
cblr-9983	1017	74	consideration	consideration	NOUN
cblr-9983	1017	75	their	their	PRON
cblr-9983	1017	76	capital	capital	NOUN
cblr-9983	1017	77	structure	structure	NOUN
cblr-9983	1017	78	,	,	PUNCT
cblr-9983	1017	79	riskiness	riskiness	NOUN
cblr-9983	1017	80	,	,	PUNCT
cblr-9983	1017	81	complexity	complexity	NOUN
cblr-9983	1017	82	,	,	PUNCT
cblr-9983	1017	83	financial	financial	ADJ
cblr-9983	1017	84	activities	activity	NOUN
cblr-9983	1017	85	.	.	PUNCT
cblr-9983	1017	86	.	.	PUNCT
cblr-9983	1018	1	.	.	PUNCT
cblr-9983	1019	1	,	,	PUNCT
cblr-9983	1019	2	size	size	NOUN
cblr-9983	1019	3	,	,	PUNCT
cblr-9983	1019	4	and	and	CCONJ
cblr-9983	1019	5	any	any	DET
cblr-9983	1019	6	other	other	ADJ
cblr-9983	1019	7	riskrelated	riskrelate	VERB
cblr-9983	1019	8	factors	factor	NOUN
cblr-9983	1019	9	that	that	SCONJ
cblr-9983	1019	10	the	the	DET
cblr-9983	1019	11	board	board	NOUN
cblr-9983	1019	12	.	.	PUNCT
cblr-9983	1019	13	.	.	PUNCT
cblr-9983	1020	1	.	.	PUNCT
cblr-9983	1021	1	deems	deem	VERB
cblr-9983	1021	2	appropriate	appropriate	ADJ
cblr-9983	1021	3	.	.	PUNCT
cblr-9983	1022	1	”162	”162	PUNCT
cblr-9983	1022	2	the	the	DET
cblr-9983	1022	3	board	board	NOUN
cblr-9983	1022	4	is	be	AUX
cblr-9983	1022	5	required	require	VERB
cblr-9983	1022	6	to	to	PART
cblr-9983	1022	7	establish	establish	VERB
cblr-9983	1022	8	these	these	DET
cblr-9983	1022	9	more	more	ADV
cblr-9983	1022	10	stringent	stringent	ADJ
cblr-9983	1022	11	requirements	requirement	NOUN
cblr-9983	1022	12	in	in	ADP
cblr-9983	1022	13	certain	certain	ADJ
cblr-9983	1022	14	areas	area	NOUN
cblr-9983	1022	15	,	,	PUNCT
cblr-9983	1022	16	including	include	VERB
cblr-9983	1022	17	risk	risk	NOUN
cblr-9983	1022	18	-	-	PUNCT
cblr-9983	1022	19	based	base	VERB
cblr-9983	1022	20	capital	capital	NOUN
cblr-9983	1022	21	requirements	requirement	NOUN
cblr-9983	1022	22	and	and	CCONJ
cblr-9983	1022	23	leverage	leverage	NOUN
cblr-9983	1022	24	limits,163	limits,163	PROPN
cblr-9983	1022	25	and	and	CCONJ
cblr-9983	1022	26	is	be	AUX
cblr-9983	1022	27	given	give	VERB
cblr-9983	1022	28	discretion	discretion	NOUN
cblr-9983	1022	29	to	to	PART
cblr-9983	1022	30	establish	establish	VERB
cblr-9983	1022	31	such	such	ADJ
cblr-9983	1022	32	requirements	requirement	NOUN
cblr-9983	1022	33	in	in	ADP
cblr-9983	1022	34	a	a	DET
cblr-9983	1022	35	number	number	NOUN
cblr-9983	1022	36	of	of	ADP
cblr-9983	1022	37	other	other	ADJ
cblr-9983	1022	38	areas.164	areas.164	ADP
cblr-9983	1022	39	a	a	DET
cblr-9983	1022	40	later	later	ADJ
cblr-9983	1022	41	subsection	subsection	NOUN
cblr-9983	1022	42	of	of	ADP
cblr-9983	1022	43	this	this	DET
cblr-9983	1022	44	same	same	ADJ
cblr-9983	1022	45	provision	provision	NOUN
cblr-9983	1022	46	creates	create	VERB
cblr-9983	1022	47	a	a	DET
cblr-9983	1022	48	requirement	requirement	NOUN
cblr-9983	1022	49	for	for	ADP
cblr-9983	1022	50	annual	annual	ADJ
cblr-9983	1022	51	stress	stress	NOUN
cblr-9983	1022	52	testing	testing	NOUN
cblr-9983	1022	53	of	of	ADP
cblr-9983	1022	54	large	large	ADJ
cblr-9983	1022	55	banks.165	banks.165	NOUN
cblr-9983	1022	56	though	though	SCONJ
cblr-9983	1022	57	that	that	DET
cblr-9983	1022	58	section	section	NOUN
cblr-9983	1022	59	does	do	AUX
cblr-9983	1022	60	not	not	PART
cblr-9983	1022	61	specify	specify	VERB
cblr-9983	1022	62	that	that	SCONJ
cblr-9983	1022	63	the	the	DET
cblr-9983	1022	64	results	result	NOUN
cblr-9983	1022	65	of	of	ADP
cblr-9983	1022	66	the	the	DET
cblr-9983	1022	67	stress	stress	NOUN
cblr-9983	1022	68	tests	test	NOUN
cblr-9983	1022	69	must	must	AUX
cblr-9983	1022	70	be	be	AUX
cblr-9983	1022	71	used	use	VERB
cblr-9983	1022	72	in	in	ADP
cblr-9983	1022	73	setting	set	VERB
cblr-9983	1022	74	the	the	DET
cblr-9983	1022	75	more	more	ADV
cblr-9983	1022	76	stringent	stringent	ADJ
cblr-9983	1022	77	minimum	minimum	ADJ
cblr-9983	1022	78	capital	capital	NOUN
cblr-9983	1022	79	levels	level	NOUN
cblr-9983	1022	80	,	,	PUNCT
cblr-9983	1022	81	the	the	DET
cblr-9983	1022	82	federal	federal	PROPN
cblr-9983	1022	83	reserve	reserve	PROPN
cblr-9983	1022	84	has	have	AUX
cblr-9983	1022	85	combined	combine	VERB
cblr-9983	1022	86	the	the	DET
cblr-9983	1022	87	two	two	NUM
cblr-9983	1022	88	mandates	mandate	NOUN
cblr-9983	1022	89	in	in	ADP
cblr-9983	1022	90	its	its	PRON
cblr-9983	1022	91	approach	approach	NOUN
cblr-9983	1022	92	to	to	ADP
cblr-9983	1022	93	capital	capital	NOUN
cblr-9983	1022	94	regulation	regulation	NOUN
cblr-9983	1022	95	.	.	PUNCT
cblr-9983	1023	1	aside	aside	ADV
cblr-9983	1023	2	from	from	ADP
cblr-9983	1023	3	a	a	DET
cblr-9983	1023	4	requirement	requirement	NOUN
cblr-9983	1023	5	to	to	PART
cblr-9983	1023	6	consult	consult	VERB
cblr-9983	1023	7	other	other	ADJ
cblr-9983	1023	8	financial	financial	ADJ
cblr-9983	1023	9	regulators,166	regulators,166	ADP
cblr-9983	1023	10	the	the	DET
cblr-9983	1023	11	statute	statute	NOUN
cblr-9983	1023	12	does	do	AUX
cblr-9983	1023	13	not	not	PART
cblr-9983	1023	14	specify	specify	VERB
cblr-9983	1023	15	any	any	DET
cblr-9983	1023	16	procedures	procedure	NOUN
cblr-9983	1023	17	for	for	SCONJ
cblr-9983	1023	18	the	the	DET
cblr-9983	1023	19	federal	federal	PROPN
cblr-9983	1023	20	reserve	reserve	PROPN
cblr-9983	1023	21	to	to	PART
cblr-9983	1023	22	follow	follow	VERB
cblr-9983	1023	23	in	in	ADP
cblr-9983	1023	24	implementing	implement	VERB
cblr-9983	1023	25	enhanced	enhance	VERB
cblr-9983	1023	26	prudential	prudential	ADJ
cblr-9983	1023	27	standards	standard	NOUN
cblr-9983	1023	28	.	.	PUNCT
cblr-9983	1024	1	but	but	CCONJ
cblr-9983	1024	2	at	at	ADV
cblr-9983	1024	3	least	least	ADV
cblr-9983	1024	4	two	two	NUM
cblr-9983	1024	5	features	feature	NOUN
cblr-9983	1024	6	of	of	ADP
cblr-9983	1024	7	the	the	DET
cblr-9983	1024	8	statute	statute	NOUN
cblr-9983	1024	9	should	should	AUX
cblr-9983	1024	10	be	be	AUX
cblr-9983	1024	11	relevant	relevant	ADJ
cblr-9983	1024	12	to	to	ADP
cblr-9983	1024	13	courts	court	NOUN
cblr-9983	1024	14	in	in	ADP
cblr-9983	1024	15	deciding	decide	VERB
cblr-9983	1024	16	what	what	PRON
cblr-9983	1024	17	the	the	DET
cblr-9983	1024	18	apa	apa	PROPN
cblr-9983	1024	19	requires	require	VERB
cblr-9983	1024	20	.	.	PUNCT
cblr-9983	1025	1	first	first	ADV
cblr-9983	1025	2	,	,	PUNCT
cblr-9983	1025	3	the	the	DET
cblr-9983	1025	4	capital	capital	NOUN
cblr-9983	1025	5	measures	measure	NOUN
cblr-9983	1025	6	required	require	VERB
cblr-9983	1025	7	by	by	ADP
cblr-9983	1025	8	the	the	DET
cblr-9983	1025	9	statute	statute	NOUN
cblr-9983	1025	10	are	be	AUX
cblr-9983	1025	11	called	call	VERB
cblr-9983	1025	12	“	"	PUNCT
cblr-9983	1025	13	standards	standard	NOUN
cblr-9983	1025	14	,	,	PUNCT
cblr-9983	1025	15	”	"	PUNCT
cblr-9983	1025	16	whereas	whereas	SCONJ
cblr-9983	1025	17	other	other	ADJ
cblr-9983	1025	18	subsections	subsection	NOUN
cblr-9983	1025	19	of	of	ADP
cblr-9983	1025	20	the	the	DET
cblr-9983	1025	21	same	same	ADJ
cblr-9983	1025	22	statute	statute	NOUN
cblr-9983	1025	23	either	either	CCONJ
cblr-9983	1025	24	require	require	VERB
cblr-9983	1025	25	or	or	CCONJ
cblr-9983	1025	26	give	give	VERB
cblr-9983	1025	27	discretion	discretion	NOUN
cblr-9983	1025	28	to	to	ADP
cblr-9983	1025	29	the	the	DET
cblr-9983	1025	30	federal	federal	PROPN
cblr-9983	1025	31	reserve	reserve	PROPN
cblr-9983	1025	32	to	to	PART
cblr-9983	1025	33	enact	enact	VERB
cblr-9983	1025	34	“	"	PUNCT
cblr-9983	1025	35	regulations	regulation	NOUN
cblr-9983	1025	36	.	.	PUNCT
cblr-9983	1026	1	”167	”167	PROPN
cblr-9983	1026	2	indeed	indeed	ADV
cblr-9983	1026	3	,	,	PUNCT
cblr-9983	1026	4	one	one	NUM
cblr-9983	1026	5	such	such	ADJ
cblr-9983	1026	6	subsection	subsection	NOUN
cblr-9983	1026	7	requires	require	VERB
cblr-9983	1026	8	that	that	SCONJ
cblr-9983	1026	9	the	the	DET
cblr-9983	1026	10	board	board	NOUN
cblr-9983	1026	11	“	"	PUNCT
cblr-9983	1026	12	by	by	ADP
cblr-9983	1026	13	regulation	regulation	NOUN
cblr-9983	1026	14	,	,	PUNCT
cblr-9983	1026	15	shall	shall	AUX
cblr-9983	1026	16	prescribe	prescribe	VERB
cblr-9983	1026	17	standards	standard	NOUN
cblr-9983	1026	18	”	"	PUNCT
cblr-9983	1026	19	to	to	ADP
cblr-9983	1026	20	160	160	NUM
cblr-9983	1026	21	12	12	NUM
cblr-9983	1026	22	u.s.c	u.s.c	NOUN
cblr-9983	1026	23	.	.	PUNCT
cblr-9983	1027	1	§	§	PROPN
cblr-9983	1027	2	5365(a)(1)(a	5365(a)(1)(a	NUM
cblr-9983	1027	3	)	)	PUNCT
cblr-9983	1027	4	.	.	PUNCT
cblr-9983	1028	1	161	161	NUM
cblr-9983	1029	1	i	i	PRON
cblr-9983	1029	2	d.	d.	PROPN
cblr-9983	1029	3	§	§	PROPN
cblr-9983	1029	4	5365(a)(1)(b	5365(a)(1)(b	NUM
cblr-9983	1029	5	)	)	PUNCT
cblr-9983	1029	6	.	.	PUNCT
cblr-9983	1030	1	162	162	NUM
cblr-9983	1031	1	i	i	PRON
cblr-9983	1031	2	d.	d.	PROPN
cblr-9983	1031	3	§	§	PROPN
cblr-9983	1031	4	5365(a)(2)(a	5365(a)(2)(a	NUM
cblr-9983	1031	5	)	)	PUNCT
cblr-9983	1031	6	(	(	PUNCT
cblr-9983	1031	7	emphasis	emphasis	NOUN
cblr-9983	1031	8	added	add	VERB
cblr-9983	1031	9	)	)	PUNCT
cblr-9983	1031	10	.	.	PUNCT
cblr-9983	1032	1	163	163	NUM
cblr-9983	1033	1	i	i	PRON
cblr-9983	1033	2	d.	d.	PROPN
cblr-9983	1033	3	§	§	PROPN
cblr-9983	1033	4	5365(b)(1)(a)(i	5365(b)(1)(a)(i	PROPN
cblr-9983	1033	5	)	)	PUNCT
cblr-9983	1033	6	.	.	PUNCT
cblr-9983	1034	1	164	164	NUM
cblr-9983	1035	1	i	i	PROPN
cblr-9983	1035	2	d.	d.	PROPN
cblr-9983	1035	3	§	§	PROPN
cblr-9983	1035	4	5365(b)(1)(b	5365(b)(1)(b	NUM
cblr-9983	1035	5	)	)	PUNCT
cblr-9983	1035	6	.	.	PUNCT
cblr-9983	1036	1	165	165	NUM
cblr-9983	1037	1	i	i	PRON
cblr-9983	1037	2	d.	d.	PROPN
cblr-9983	1037	3	§	§	PROPN
cblr-9983	1037	4	5365(i	5365(i	NUM
cblr-9983	1037	5	)	)	PUNCT
cblr-9983	1037	6	.	.	PUNCT
cblr-9983	1038	1	166	166	NUM
cblr-9983	1038	2	12	12	NUM
cblr-9983	1038	3	u.s.c	u.s.c	NOUN
cblr-9983	1038	4	.	.	PUNCT
cblr-9983	1039	1	§	§	PROPN
cblr-9983	1039	2	5365(b)(4	5365(b)(4	NUM
cblr-9983	1039	3	)	)	PUNCT
cblr-9983	1039	4	(	(	PUNCT
cblr-9983	1039	5	2018	2018	NUM
cblr-9983	1039	6	)	)	PUNCT
cblr-9983	1039	7	.	.	PUNCT
cblr-9983	1040	1	167	167	NUM
cblr-9983	1040	2	for	for	ADP
cblr-9983	1040	3	example	example	NOUN
cblr-9983	1040	4	,	,	PUNCT
cblr-9983	1040	5	the	the	DET
cblr-9983	1040	6	board	board	NOUN
cblr-9983	1040	7	“	"	PUNCT
cblr-9983	1040	8	may	may	AUX
cblr-9983	1040	9	issue	issue	VERB
cblr-9983	1040	10	regulations	regulation	NOUN
cblr-9983	1040	11	that	that	PRON
cblr-9983	1040	12	require	require	VERB
cblr-9983	1040	13	[	[	X
cblr-9983	1040	14	]	]	X
cblr-9983	1040	15	bank[s	bank[	NOUN
cblr-9983	1040	16	]	]	PUNCT
cblr-9983	1040	17	.	.	PUNCT
cblr-9983	1040	18	.	.	PUNCT
cblr-9983	1040	19	.	.	PUNCT
cblr-9983	1041	1	to	to	PART
cblr-9983	1041	2	maintain	maintain	VERB
cblr-9983	1041	3	a	a	DET
cblr-9983	1041	4	minimum	minimum	ADJ
cblr-9983	1041	5	amount	amount	NOUN
cblr-9983	1041	6	of	of	ADP
cblr-9983	1041	7	contingent	contingent	ADJ
cblr-9983	1041	8	capital	capital	NOUN
cblr-9983	1041	9	that	that	PRON
cblr-9983	1041	10	is	be	AUX
cblr-9983	1041	11	convertible	convertible	ADJ
cblr-9983	1041	12	to	to	ADP
cblr-9983	1041	13	equity	equity	NOUN
cblr-9983	1041	14	in	in	ADP
cblr-9983	1041	15	times	time	NOUN
cblr-9983	1041	16	of	of	ADP
cblr-9983	1041	17	financial	financial	ADJ
cblr-9983	1041	18	stress	stress	NOUN
cblr-9983	1041	19	.	.	PUNCT
cblr-9983	1041	20	”	"	PUNCT
cblr-9983	1042	1	i	i	PRON
cblr-9983	1042	2	d.	d.	PROPN
cblr-9983	1042	3	§	§	PROPN
cblr-9983	1042	4	5365(e	5365(e	PROPN
cblr-9983	1042	5	)	)	PUNCT
cblr-9983	1042	6	.	.	PUNCT
cblr-9983	1043	1	no	no	INTJ
cblr-9983	1043	2	.	.	PUNCT
cblr-9983	1044	1	1:279	1:279	NOUN
cblr-9983	1044	2	]	]	X
cblr-9983	1044	3	bank	bank	NOUN
cblr-9983	1044	4	supervision	supervision	NOUN
cblr-9983	1044	5	and	and	CCONJ
cblr-9983	1044	6	administrative	administrative	ADJ
cblr-9983	1044	7	law	law	NOUN
cblr-9983	1044	8	335	335	NUM
cblr-9983	1044	9	limit	limit	VERB
cblr-9983	1044	10	the	the	DET
cblr-9983	1044	11	exposure	exposure	NOUN
cblr-9983	1044	12	of	of	ADP
cblr-9983	1044	13	banks	bank	NOUN
cblr-9983	1044	14	to	to	ADP
cblr-9983	1044	15	any	any	DET
cblr-9983	1044	16	single	single	ADJ
cblr-9983	1044	17	counterparty.168	counterparty.168	NOUN
cblr-9983	1044	18	the	the	DET
cblr-9983	1044	19	fact	fact	NOUN
cblr-9983	1044	20	that	that	SCONJ
cblr-9983	1044	21	the	the	DET
cblr-9983	1044	22	requirement	requirement	NOUN
cblr-9983	1044	23	for	for	ADP
cblr-9983	1044	24	capital	capital	NOUN
cblr-9983	1044	25	“	"	PUNCT
cblr-9983	1044	26	standards	standard	NOUN
cblr-9983	1044	27	”	"	PUNCT
cblr-9983	1044	28	makes	make	VERB
cblr-9983	1044	29	no	no	DET
cblr-9983	1044	30	similar	similar	ADJ
cblr-9983	1044	31	reference	reference	NOUN
cblr-9983	1044	32	to	to	ADP
cblr-9983	1044	33	the	the	DET
cblr-9983	1044	34	board	board	NOUN
cblr-9983	1044	35	acting	act	VERB
cblr-9983	1044	36	“	"	PUNCT
cblr-9983	1044	37	by	by	ADP
cblr-9983	1044	38	regulation	regulation	NOUN
cblr-9983	1044	39	”	"	PUNCT
cblr-9983	1044	40	at	at	ADP
cblr-9983	1044	41	least	least	ADJ
cblr-9983	1044	42	opens	open	VERB
cblr-9983	1044	43	the	the	DET
cblr-9983	1044	44	possibility	possibility	NOUN
cblr-9983	1044	45	that	that	SCONJ
cblr-9983	1044	46	congress	congress	PROPN
cblr-9983	1044	47	contemplated	contemplate	VERB
cblr-9983	1044	48	more	more	ADV
cblr-9983	1044	49	procedural	procedural	ADJ
cblr-9983	1044	50	flexibility	flexibility	NOUN
cblr-9983	1044	51	in	in	ADP
cblr-9983	1044	52	implementing	implement	VERB
cblr-9983	1044	53	those	those	DET
cblr-9983	1044	54	standards	standard	NOUN
cblr-9983	1044	55	.	.	PUNCT
cblr-9983	1045	1	this	this	DET
cblr-9983	1045	2	inference	inference	NOUN
cblr-9983	1045	3	is	be	AUX
cblr-9983	1045	4	strengthened	strengthen	VERB
cblr-9983	1045	5	by	by	ADP
cblr-9983	1045	6	the	the	DET
cblr-9983	1045	7	second	second	ADJ
cblr-9983	1045	8	relevant	relevant	ADJ
cblr-9983	1045	9	provision	provision	NOUN
cblr-9983	1045	10	,	,	PUNCT
cblr-9983	1045	11	which	which	PRON
cblr-9983	1045	12	authorizes	authorize	VERB
cblr-9983	1045	13	the	the	DET
cblr-9983	1045	14	board	board	NOUN
cblr-9983	1045	15	to	to	PART
cblr-9983	1045	16	vary	vary	VERB
cblr-9983	1045	17	standards	standard	NOUN
cblr-9983	1045	18	on	on	ADP
cblr-9983	1045	19	an	an	DET
cblr-9983	1045	20	individual	individual	ADJ
cblr-9983	1045	21	bank	bank	NOUN
cblr-9983	1045	22	basis	basis	NOUN
cblr-9983	1045	23	if	if	SCONJ
cblr-9983	1045	24	it	it	PRON
cblr-9983	1045	25	so	so	ADV
cblr-9983	1045	26	desires	desire	VERB
cblr-9983	1045	27	.	.	PUNCT
cblr-9983	1046	1	that	that	DET
cblr-9983	1046	2	second	second	ADJ
cblr-9983	1046	3	relevant	relevant	ADJ
cblr-9983	1046	4	statute	statute	NOUN
cblr-9983	1046	5	is	be	AUX
cblr-9983	1046	6	section	section	NOUN
cblr-9983	1046	7	908	908	NUM
cblr-9983	1046	8	of	of	ADP
cblr-9983	1046	9	the	the	DET
cblr-9983	1046	10	international	international	ADJ
cblr-9983	1046	11	lending	lending	NOUN
cblr-9983	1046	12	supervision	supervision	NOUN
cblr-9983	1046	13	act	act	NOUN
cblr-9983	1046	14	of	of	ADP
cblr-9983	1046	15	1983	1983	NUM
cblr-9983	1046	16	(	(	PUNCT
cblr-9983	1046	17	ilsa).169	ilsa).169	PROPN
cblr-9983	1046	18	ilsa	ilsa	PROPN
cblr-9983	1046	19	was	be	AUX
cblr-9983	1046	20	enacted	enact	VERB
cblr-9983	1046	21	as	as	ADP
cblr-9983	1046	22	part	part	NOUN
cblr-9983	1046	23	of	of	ADP
cblr-9983	1046	24	a	a	DET
cblr-9983	1046	25	package	package	NOUN
cblr-9983	1046	26	of	of	ADP
cblr-9983	1046	27	congressional	congressional	ADJ
cblr-9983	1046	28	responses	response	NOUN
cblr-9983	1046	29	to	to	ADP
cblr-9983	1046	30	the	the	DET
cblr-9983	1046	31	latin	latin	ADJ
cblr-9983	1046	32	american	american	ADJ
cblr-9983	1046	33	debt	debt	NOUN
cblr-9983	1046	34	crisis	crisis	NOUN
cblr-9983	1046	35	of	of	ADP
cblr-9983	1046	36	the	the	DET
cblr-9983	1046	37	early	early	ADJ
cblr-9983	1046	38	1980s	1980	NOUN
cblr-9983	1046	39	,	,	PUNCT
cblr-9983	1046	40	which	which	PRON
cblr-9983	1046	41	had	have	AUX
cblr-9983	1046	42	revealed	reveal	VERB
cblr-9983	1046	43	inadequate	inadequate	ADJ
cblr-9983	1046	44	levels	level	NOUN
cblr-9983	1046	45	of	of	ADP
cblr-9983	1046	46	capital	capital	NOUN
cblr-9983	1046	47	at	at	ADP
cblr-9983	1046	48	some	some	DET
cblr-9983	1046	49	large	large	ADJ
cblr-9983	1046	50	,	,	PUNCT
cblr-9983	1046	51	internationally	internationally	ADV
cblr-9983	1046	52	active	active	ADJ
cblr-9983	1046	53	banks.170	banks.170	NOUN
cblr-9983	1046	54	section	section	NOUN
cblr-9983	1046	55	908	908	NUM
cblr-9983	1046	56	includes	include	VERB
cblr-9983	1046	57	both	both	CCONJ
cblr-9983	1046	58	a	a	DET
cblr-9983	1046	59	strong	strong	ADJ
cblr-9983	1046	60	charge	charge	NOUN
cblr-9983	1046	61	and	and	CCONJ
cblr-9983	1046	62	broad	broad	ADJ
cblr-9983	1046	63	authority	authority	NOUN
cblr-9983	1046	64	for	for	ADP
cblr-9983	1046	65	the	the	DET
cblr-9983	1046	66	banking	banking	NOUN
cblr-9983	1046	67	agencies	agency	NOUN
cblr-9983	1046	68	in	in	ADP
cblr-9983	1046	69	setting	set	VERB
cblr-9983	1046	70	capital	capital	NOUN
cblr-9983	1046	71	requirements	requirement	NOUN
cblr-9983	1046	72	:	:	PUNCT
cblr-9983	1046	73	each	each	DET
cblr-9983	1046	74	appropriate	appropriate	ADJ
cblr-9983	1046	75	federal	federal	ADJ
cblr-9983	1046	76	banking	banking	NOUN
cblr-9983	1046	77	agency	agency	NOUN
cblr-9983	1046	78	shall	shall	AUX
cblr-9983	1046	79	cause	cause	VERB
cblr-9983	1046	80	banking	banking	NOUN
cblr-9983	1046	81	institutions	institution	NOUN
cblr-9983	1046	82	to	to	PART
cblr-9983	1046	83	achieve	achieve	VERB
cblr-9983	1046	84	and	and	CCONJ
cblr-9983	1046	85	maintain	maintain	VERB
cblr-9983	1046	86	adequate	adequate	ADJ
cblr-9983	1046	87	capital	capital	NOUN
cblr-9983	1046	88	by	by	ADP
cblr-9983	1046	89	establishing	establish	VERB
cblr-9983	1046	90	minimum	minimum	ADJ
cblr-9983	1046	91	levels	level	NOUN
cblr-9983	1046	92	of	of	ADP
cblr-9983	1046	93	capital	capital	NOUN
cblr-9983	1046	94	for	for	ADP
cblr-9983	1046	95	such	such	ADJ
cblr-9983	1046	96	banking	banking	NOUN
cblr-9983	1046	97	institutions	institution	NOUN
cblr-9983	1046	98	and	and	CCONJ
cblr-9983	1046	99	by	by	ADP
cblr-9983	1046	100	using	use	VERB
cblr-9983	1046	101	such	such	ADJ
cblr-9983	1046	102	other	other	ADJ
cblr-9983	1046	103	methods	method	NOUN
cblr-9983	1046	104	as	as	ADP
cblr-9983	1046	105	the	the	DET
cblr-9983	1046	106	appropriate	appropriate	ADJ
cblr-9983	1046	107	federal	federal	ADJ
cblr-9983	1046	108	banking	banking	NOUN
cblr-9983	1046	109	agency	agency	NOUN
cblr-9983	1046	110	deems	deem	VERB
cblr-9983	1046	111	appropriate.171	appropriate.171	ADP
cblr-9983	1046	112	the	the	DET
cblr-9983	1046	113	statute	statute	NOUN
cblr-9983	1046	114	makes	make	VERB
cblr-9983	1046	115	clear	clear	ADJ
cblr-9983	1046	116	the	the	DET
cblr-9983	1046	117	discretion	discretion	NOUN
cblr-9983	1046	118	the	the	DET
cblr-9983	1046	119	banking	banking	NOUN
cblr-9983	1046	120	agencies	agency	NOUN
cblr-9983	1046	121	have	have	VERB
cblr-9983	1046	122	in	in	ADP
cblr-9983	1046	123	carrying	carry	VERB
cblr-9983	1046	124	out	out	ADP
cblr-9983	1046	125	this	this	DET
cblr-9983	1046	126	mandate	mandate	NOUN
cblr-9983	1046	127	:	:	PUNCT
cblr-9983	1046	128	each	each	DET
cblr-9983	1046	129	appropriate	appropriate	ADJ
cblr-9983	1046	130	federal	federal	ADJ
cblr-9983	1046	131	banking	banking	NOUN
cblr-9983	1046	132	agency	agency	NOUN
cblr-9983	1046	133	shall	shall	AUX
cblr-9983	1046	134	have	have	VERB
cblr-9983	1046	135	the	the	DET
cblr-9983	1046	136	authority	authority	NOUN
cblr-9983	1046	137	to	to	PART
cblr-9983	1046	138	establish	establish	VERB
cblr-9983	1046	139	such	such	ADJ
cblr-9983	1046	140	minimum	minimum	ADJ
cblr-9983	1046	141	level	level	NOUN
cblr-9983	1046	142	of	of	ADP
cblr-9983	1046	143	capital	capital	NOUN
cblr-9983	1046	144	for	for	ADP
cblr-9983	1046	145	a	a	DET
cblr-9983	1046	146	banking	banking	NOUN
cblr-9983	1046	147	institution	institution	NOUN
cblr-9983	1046	148	as	as	ADP
cblr-9983	1046	149	the	the	DET
cblr-9983	1046	150	appropriate	appropriate	ADJ
cblr-9983	1046	151	federal	federal	ADJ
cblr-9983	1046	152	banking	banking	NOUN
cblr-9983	1046	153	agency	agency	NOUN
cblr-9983	1046	154	,	,	PUNCT
cblr-9983	1046	155	in	in	ADP
cblr-9983	1046	156	its	its	PRON
cblr-9983	1046	157	discretion	discretion	NOUN
cblr-9983	1046	158	,	,	PUNCT
cblr-9983	1046	159	deems	deem	VERB
cblr-9983	1046	160	to	to	PART
cblr-9983	1046	161	be	be	AUX
cblr-9983	1046	162	168	168	NUM
cblr-9983	1046	163	i	i	PROPN
cblr-9983	1046	164	d.	d.	PROPN
cblr-9983	1046	165	§	§	PROPN
cblr-9983	1046	166	5365(e)(1	5365(e)(1	PROPN
cblr-9983	1046	167	)	)	PUNCT
cblr-9983	1046	168	.	.	PUNCT
cblr-9983	1047	1	169	169	NUM
cblr-9983	1047	2	international	international	ADJ
cblr-9983	1047	3	lending	lending	NOUN
cblr-9983	1047	4	supervision	supervision	NOUN
cblr-9983	1047	5	act	act	NOUN
cblr-9983	1047	6	§	§	PROPN
cblr-9983	1047	7	908	908	NUM
cblr-9983	1047	8	,	,	PUNCT
cblr-9983	1047	9	12	12	NUM
cblr-9983	1047	10	u.s.c	u.s.c	ADJ
cblr-9983	1047	11	.	.	PUNCT
cblr-9983	1048	1	§	§	PROPN
cblr-9983	1048	2	3907	3907	NUM
cblr-9983	1048	3	.	.	PUNCT
cblr-9983	1049	1	170	170	NUM
cblr-9983	1049	2	see	see	VERB
cblr-9983	1049	3	ellen	ellen	PROPN
cblr-9983	1049	4	w.	w.	PROPN
cblr-9983	1049	5	smith	smith	PROPN
cblr-9983	1049	6	,	,	PUNCT
cblr-9983	1049	7	new	new	ADJ
cblr-9983	1049	8	control	control	NOUN
cblr-9983	1049	9	on	on	ADP
cblr-9983	1049	10	global	global	ADJ
cblr-9983	1049	11	debt	debt	NOUN
cblr-9983	1049	12	:	:	PUNCT
cblr-9983	1049	13	the	the	DET
cblr-9983	1049	14	international	international	ADJ
cblr-9983	1049	15	lending	lending	NOUN
cblr-9983	1049	16	supervision	supervision	NOUN
cblr-9983	1049	17	act	act	NOUN
cblr-9983	1049	18	of	of	ADP
cblr-9983	1049	19	1983	1983	NUM
cblr-9983	1049	20	,	,	PUNCT
cblr-9983	1049	21	17	17	NUM
cblr-9983	1049	22	cornell	cornell	PROPN
cblr-9983	1049	23	int’l	int’l	NOUN
cblr-9983	1049	24	l.j	l.j	PROPN
cblr-9983	1049	25	.	.	PROPN
cblr-9983	1049	26	425	425	NUM
cblr-9983	1049	27	(	(	PUNCT
cblr-9983	1049	28	1984	1984	NUM
cblr-9983	1049	29	)	)	PUNCT
cblr-9983	1049	30	(	(	PUNCT
cblr-9983	1049	31	reviewing	review	VERB
cblr-9983	1049	32	the	the	DET
cblr-9983	1049	33	background	background	NOUN
cblr-9983	1049	34	and	and	CCONJ
cblr-9983	1049	35	context	context	NOUN
cblr-9983	1049	36	of	of	ADP
cblr-9983	1049	37	ilsa	ilsa	PROPN
cblr-9983	1049	38	)	)	PUNCT
cblr-9983	1049	39	.	.	PUNCT
cblr-9983	1050	1	171	171	NUM
cblr-9983	1050	2	12	12	NUM
cblr-9983	1050	3	u.s.c	u.s.c	NOUN
cblr-9983	1050	4	.	.	PUNCT
cblr-9983	1051	1	§	§	PROPN
cblr-9983	1051	2	3907(a)(1	3907(a)(1	NUM
cblr-9983	1051	3	)	)	PUNCT
cblr-9983	1051	4	(	(	PUNCT
cblr-9983	1051	5	emphasis	emphasis	NOUN
cblr-9983	1051	6	added	add	VERB
cblr-9983	1051	7	)	)	PUNCT
cblr-9983	1051	8	.	.	PUNCT
cblr-9983	1052	1	the	the	DET
cblr-9983	1052	2	house	house	PROPN
cblr-9983	1052	3	report	report	NOUN
cblr-9983	1052	4	on	on	ADP
cblr-9983	1052	5	the	the	DET
cblr-9983	1052	6	bill	bill	NOUN
cblr-9983	1052	7	stated	state	VERB
cblr-9983	1052	8	that	that	SCONJ
cblr-9983	1052	9	this	this	DET
cblr-9983	1052	10	provision	provision	NOUN
cblr-9983	1052	11	was	be	AUX
cblr-9983	1052	12	enacted	enact	VERB
cblr-9983	1052	13	to	to	PART
cblr-9983	1052	14	provide	provide	VERB
cblr-9983	1052	15	“	"	PUNCT
cblr-9983	1052	16	a	a	DET
cblr-9983	1052	17	stronger	strong	ADJ
cblr-9983	1052	18	,	,	PUNCT
cblr-9983	1052	19	unambiguous	unambiguous	ADJ
cblr-9983	1052	20	statutory	statutory	ADJ
cblr-9983	1052	21	directive	directive	NOUN
cblr-9983	1052	22	to	to	ADP
cblr-9983	1052	23	the	the	DET
cblr-9983	1052	24	regulators	regulator	NOUN
cblr-9983	1052	25	to	to	PART
cblr-9983	1052	26	strengthen	strengthen	VERB
cblr-9983	1052	27	banks	bank	NOUN
cblr-9983	1052	28	’	’	PART
cblr-9983	1052	29	capital	capital	NOUN
cblr-9983	1052	30	positions	position	NOUN
cblr-9983	1052	31	.	.	PUNCT
cblr-9983	1052	32	”	"	PUNCT
cblr-9983	1053	1	h.r	h.r	PROPN
cblr-9983	1053	2	.	.	PROPN
cblr-9983	1053	3	rep	rep	PROPN
cblr-9983	1053	4	.	.	PROPN
cblr-9983	1053	5	no	no	PROPN
cblr-9983	1053	6	.	.	NOUN
cblr-9983	1054	1	98	98	NUM
cblr-9983	1054	2	-	-	SYM
cblr-9983	1054	3	175	175	NUM
cblr-9983	1054	4	,	,	PUNCT
cblr-9983	1054	5	at	at	ADP
cblr-9983	1054	6	45	45	NUM
cblr-9983	1054	7	(	(	PUNCT
cblr-9983	1054	8	1983	1983	NUM
cblr-9983	1054	9	)	)	PUNCT
cblr-9983	1054	10	.	.	PUNCT
cblr-9983	1055	1	336	336	NUM
cblr-9983	1055	2	columbia	columbia	PROPN
cblr-9983	1055	3	business	business	NOUN
cblr-9983	1055	4	law	law	PROPN
cblr-9983	1055	5	review	review	NOUN
cblr-9983	1055	6	[	[	X
cblr-9983	1055	7	vol	vol	NOUN
cblr-9983	1055	8	.	.	PUNCT
cblr-9983	1055	9	2022	2022	NUM
cblr-9983	1055	10	necessary	necessary	ADJ
cblr-9983	1055	11	or	or	CCONJ
cblr-9983	1055	12	appropriate	appropriate	ADJ
cblr-9983	1055	13	in	in	ADP
cblr-9983	1055	14	light	light	NOUN
cblr-9983	1055	15	of	of	ADP
cblr-9983	1055	16	the	the	DET
cblr-9983	1055	17	particular	particular	ADJ
cblr-9983	1055	18	circumstances	circumstance	NOUN
cblr-9983	1055	19	of	of	ADP
cblr-9983	1055	20	the	the	DET
cblr-9983	1055	21	banking	banking	NOUN
cblr-9983	1055	22	institution.172	institution.172	NOUN
cblr-9983	1055	23	this	this	DET
cblr-9983	1055	24	language	language	NOUN
cblr-9983	1055	25	was	be	AUX
cblr-9983	1055	26	at	at	ADP
cblr-9983	1055	27	least	least	ADJ
cblr-9983	1055	28	in	in	ADP
cblr-9983	1055	29	part	part	NOUN
cblr-9983	1055	30	a	a	DET
cblr-9983	1055	31	response	response	NOUN
cblr-9983	1055	32	to	to	ADP
cblr-9983	1055	33	a	a	DET
cblr-9983	1055	34	fifth	fifth	ADJ
cblr-9983	1055	35	circuit	circuit	NOUN
cblr-9983	1055	36	decision	decision	NOUN
cblr-9983	1055	37	earlier	early	ADV
cblr-9983	1055	38	in	in	ADP
cblr-9983	1055	39	1983	1983	NUM
cblr-9983	1055	40	that	that	PRON
cblr-9983	1055	41	had	have	AUX
cblr-9983	1055	42	set	set	VERB
cblr-9983	1055	43	aside	aside	ADP
cblr-9983	1055	44	an	an	DET
cblr-9983	1055	45	occ	occ	NOUN
cblr-9983	1055	46	cease	cease	VERB
cblr-9983	1055	47	-	-	PUNCT
cblr-9983	1055	48	and	and	CCONJ
cblr-9983	1055	49	-	-	PUNCT
cblr-9983	1055	50	desist	desist	VERB
cblr-9983	1055	51	order	order	NOUN
cblr-9983	1055	52	for	for	SCONJ
cblr-9983	1055	53	a	a	DET
cblr-9983	1055	54	bank	bank	NOUN
cblr-9983	1055	55	to	to	PART
cblr-9983	1055	56	increase	increase	VERB
cblr-9983	1055	57	its	its	PRON
cblr-9983	1055	58	capital	capital	NOUN
cblr-9983	1055	59	as	as	SCONJ
cblr-9983	1055	60	not	not	PART
cblr-9983	1055	61	supported	support	VERB
cblr-9983	1055	62	by	by	ADP
cblr-9983	1055	63	substantial	substantial	ADJ
cblr-9983	1055	64	evidence.173	evidence.173	NOUN
cblr-9983	1055	65	in	in	ADP
cblr-9983	1055	66	a	a	DET
cblr-9983	1055	67	later	later	ADJ
cblr-9983	1055	68	decision	decision	NOUN
cblr-9983	1055	69	,	,	PUNCT
cblr-9983	1055	70	a	a	DET
cblr-9983	1055	71	chastened	chastened	ADJ
cblr-9983	1055	72	fifth	fifth	ADJ
cblr-9983	1055	73	circuit	circuit	NOUN
cblr-9983	1055	74	confirmed	confirm	VERB
cblr-9983	1055	75	that	that	SCONJ
cblr-9983	1055	76	the	the	DET
cblr-9983	1055	77	plain	plain	ADJ
cblr-9983	1055	78	language	language	NOUN
cblr-9983	1055	79	of	of	ADP
cblr-9983	1055	80	section	section	NOUN
cblr-9983	1055	81	908	908	NUM
cblr-9983	1055	82	,	,	PUNCT
cblr-9983	1055	83	read	read	VERB
cblr-9983	1055	84	in	in	ADP
cblr-9983	1055	85	conjunction	conjunction	NOUN
cblr-9983	1055	86	with	with	ADP
cblr-9983	1055	87	the	the	DET
cblr-9983	1055	88	apa	apa	PROPN
cblr-9983	1055	89	’s	’s	PART
cblr-9983	1055	90	exclusion	exclusion	NOUN
cblr-9983	1055	91	from	from	ADP
cblr-9983	1055	92	judicial	judicial	ADJ
cblr-9983	1055	93	review	review	NOUN
cblr-9983	1055	94	of	of	ADP
cblr-9983	1055	95	an	an	DET
cblr-9983	1055	96	agency	agency	NOUN
cblr-9983	1055	97	action	action	NOUN
cblr-9983	1055	98	“	"	PUNCT
cblr-9983	1055	99	committed	commit	VERB
cblr-9983	1055	100	to	to	ADP
cblr-9983	1055	101	agency	agency	NOUN
cblr-9983	1055	102	discretion	discretion	NOUN
cblr-9983	1055	103	by	by	ADP
cblr-9983	1055	104	law,”174	law,”174	SYM
cblr-9983	1055	105	precluded	preclude	VERB
cblr-9983	1055	106	judicial	judicial	ADJ
cblr-9983	1055	107	review	review	NOUN
cblr-9983	1055	108	of	of	ADP
cblr-9983	1055	109	an	an	DET
cblr-9983	1055	110	fdic	fdic	ADJ
cblr-9983	1055	111	directive	directive	NOUN
cblr-9983	1055	112	to	to	ADP
cblr-9983	1055	113	a	a	DET
cblr-9983	1055	114	specific	specific	ADJ
cblr-9983	1055	115	bank	bank	NOUN
cblr-9983	1055	116	to	to	PART
cblr-9983	1055	117	raise	raise	VERB
cblr-9983	1055	118	its	its	PRON
cblr-9983	1055	119	capital	capital	NOUN
cblr-9983	1055	120	ratios.175	ratios.175	NOUN
cblr-9983	1055	121	the	the	DET
cblr-9983	1055	122	banking	banking	NOUN
cblr-9983	1055	123	agencies	agency	NOUN
cblr-9983	1055	124	have	have	VERB
cblr-9983	1055	125	broad	broad	ADJ
cblr-9983	1055	126	discretion	discretion	NOUN
cblr-9983	1055	127	in	in	ADP
cblr-9983	1055	128	the	the	DET
cblr-9983	1055	129	means	mean	NOUN
cblr-9983	1055	130	they	they	PRON
cblr-9983	1055	131	choose	choose	VERB
cblr-9983	1055	132	to	to	PART
cblr-9983	1055	133	implement	implement	VERB
cblr-9983	1055	134	the	the	DET
cblr-9983	1055	135	decisions	decision	NOUN
cblr-9983	1055	136	they	they	PRON
cblr-9983	1055	137	make	make	VERB
cblr-9983	1055	138	on	on	ADP
cblr-9983	1055	139	bank	bank	NOUN
cblr-9983	1055	140	capital	capital	NOUN
cblr-9983	1055	141	requirements	requirement	NOUN
cblr-9983	1055	142	.	.	PUNCT
cblr-9983	1056	1	in	in	ADP
cblr-9983	1056	2	addition	addition	NOUN
cblr-9983	1056	3	to	to	ADP
cblr-9983	1056	4	the	the	DET
cblr-9983	1056	5	“	"	PUNCT
cblr-9983	1056	6	use	use	VERB
cblr-9983	1056	7	other	other	ADJ
cblr-9983	1056	8	methods	method	NOUN
cblr-9983	1056	9	”	"	PUNCT
cblr-9983	1056	10	language	language	NOUN
cblr-9983	1056	11	quoted	quote	VERB
cblr-9983	1056	12	above	above	ADV
cblr-9983	1056	13	,	,	PUNCT
cblr-9983	1056	14	section	section	NOUN
cblr-9983	1056	15	908	908	NUM
cblr-9983	1056	16	provides	provide	VERB
cblr-9983	1056	17	that	that	SCONJ
cblr-9983	1056	18	an	an	DET
cblr-9983	1056	19	agency	agency	NOUN
cblr-9983	1056	20	may	may	AUX
cblr-9983	1056	21	enforce	enforce	VERB
cblr-9983	1056	22	its	its	PRON
cblr-9983	1056	23	decision	decision	NOUN
cblr-9983	1056	24	through	through	ADP
cblr-9983	1056	25	a	a	DET
cblr-9983	1056	26	cease	cease	VERB
cblr-9983	1056	27	-	-	PUNCT
cblr-9983	1056	28	and	and	CCONJ
cblr-9983	1056	29	-	-	PUNCT
cblr-9983	1056	30	desist	desist	VERB
cblr-9983	1056	31	order176	order176	PROPN
cblr-9983	1056	32	172	172	NUM
cblr-9983	1056	33	12	12	NUM
cblr-9983	1056	34	u.s.c.§	u.s.c.§	NOUN
cblr-9983	1056	35	3907(a)(2	3907(a)(2	NOUN
cblr-9983	1056	36	)	)	PUNCT
cblr-9983	1056	37	(	(	PUNCT
cblr-9983	1056	38	emphasis	emphasis	NOUN
cblr-9983	1056	39	added	add	VERB
cblr-9983	1056	40	)	)	PUNCT
cblr-9983	1056	41	.	.	PUNCT
cblr-9983	1057	1	173	173	NUM
cblr-9983	1057	2	first	first	PROPN
cblr-9983	1057	3	nat’l	nat’l	PROPN
cblr-9983	1057	4	bank	bank	PROPN
cblr-9983	1057	5	of	of	ADP
cblr-9983	1057	6	bellaire	bellaire	PROPN
cblr-9983	1057	7	v.	v.	ADP
cblr-9983	1057	8	comptroller	comptroller	NOUN
cblr-9983	1057	9	of	of	ADP
cblr-9983	1057	10	the	the	DET
cblr-9983	1057	11	currency	currency	NOUN
cblr-9983	1057	12	,	,	PUNCT
cblr-9983	1057	13	697	697	NUM
cblr-9983	1057	14	f.2d	f.2d	NUM
cblr-9983	1057	15	674	674	NUM
cblr-9983	1057	16	(	(	PUNCT
cblr-9983	1057	17	5th	5th	ADJ
cblr-9983	1057	18	cir	cir	NOUN
cblr-9983	1057	19	.	.	PUNCT
cblr-9983	1057	20	1983	1983	NUM
cblr-9983	1057	21	)	)	PUNCT
cblr-9983	1057	22	.	.	PUNCT
cblr-9983	1058	1	again	again	ADV
cblr-9983	1058	2	,	,	PUNCT
cblr-9983	1058	3	the	the	DET
cblr-9983	1058	4	legislative	legislative	ADJ
cblr-9983	1058	5	history	history	NOUN
cblr-9983	1058	6	of	of	ADP
cblr-9983	1058	7	ilsa	ilsa	PROPN
cblr-9983	1058	8	elaborates	elaborate	VERB
cblr-9983	1058	9	clearly	clearly	ADV
cblr-9983	1058	10	the	the	DET
cblr-9983	1058	11	motivation	motivation	NOUN
cblr-9983	1058	12	for	for	ADP
cblr-9983	1058	13	the	the	DET
cblr-9983	1058	14	provision	provision	NOUN
cblr-9983	1058	15	,	,	PUNCT
cblr-9983	1058	16	stating	state	VERB
cblr-9983	1058	17	that	that	SCONJ
cblr-9983	1058	18	bellaire	bellaire	NOUN
cblr-9983	1058	19	“	"	PUNCT
cblr-9983	1058	20	clouded	cloud	VERB
cblr-9983	1058	21	the	the	DET
cblr-9983	1058	22	authority	authority	NOUN
cblr-9983	1058	23	of	of	ADP
cblr-9983	1058	24	the	the	DET
cblr-9983	1058	25	bank	bank	NOUN
cblr-9983	1058	26	regulatory	regulatory	ADJ
cblr-9983	1058	27	agencies	agency	NOUN
cblr-9983	1058	28	to	to	PART
cblr-9983	1058	29	exercise	exercise	VERB
cblr-9983	1058	30	their	their	PRON
cblr-9983	1058	31	independent	independent	ADJ
cblr-9983	1058	32	discretion	discretion	NOUN
cblr-9983	1058	33	in	in	ADP
cblr-9983	1058	34	establishing	establish	VERB
cblr-9983	1058	35	and	and	CCONJ
cblr-9983	1058	36	requiring	require	VERB
cblr-9983	1058	37	the	the	DET
cblr-9983	1058	38	maintenance	maintenance	NOUN
cblr-9983	1058	39	of	of	ADP
cblr-9983	1058	40	appropriate	appropriate	ADJ
cblr-9983	1058	41	levels	level	NOUN
cblr-9983	1058	42	of	of	ADP
cblr-9983	1058	43	capital	capital	NOUN
cblr-9983	1058	44	.	.	PUNCT
cblr-9983	1058	45	”	"	PUNCT
cblr-9983	1059	1	s.	s.	PROPN
cblr-9983	1059	2	rep	rep	PROPN
cblr-9983	1059	3	.	.	PROPN
cblr-9983	1059	4	no	no	INTJ
cblr-9983	1059	5	.	.	NOUN
cblr-9983	1060	1	98	98	NUM
cblr-9983	1060	2	-	-	SYM
cblr-9983	1060	3	122	122	NUM
cblr-9983	1060	4	,	,	PUNCT
cblr-9983	1060	5	at	at	ADP
cblr-9983	1060	6	16	16	NUM
cblr-9983	1060	7	(	(	PUNCT
cblr-9983	1060	8	1983	1983	NUM
cblr-9983	1060	9	)	)	PUNCT
cblr-9983	1060	10	.	.	PUNCT
cblr-9983	1061	1	the	the	DET
cblr-9983	1061	2	committee	committee	NOUN
cblr-9983	1061	3	further	far	ADV
cblr-9983	1061	4	explained	explain	VERB
cblr-9983	1061	5	:	:	PUNCT
cblr-9983	1061	6	the	the	DET
cblr-9983	1061	7	committee	committee	NOUN
cblr-9983	1061	8	believes	believe	VERB
cblr-9983	1061	9	that	that	SCONJ
cblr-9983	1061	10	establishing	establish	VERB
cblr-9983	1061	11	adequate	adequate	ADJ
cblr-9983	1061	12	levels	level	NOUN
cblr-9983	1061	13	of	of	ADP
cblr-9983	1061	14	capital	capital	NOUN
cblr-9983	1061	15	is	be	AUX
cblr-9983	1061	16	properly	properly	ADV
cblr-9983	1061	17	left	leave	VERB
cblr-9983	1061	18	to	to	ADP
cblr-9983	1061	19	the	the	DET
cblr-9983	1061	20	expertise	expertise	NOUN
cblr-9983	1061	21	and	and	CCONJ
cblr-9983	1061	22	discretion	discretion	NOUN
cblr-9983	1061	23	of	of	ADP
cblr-9983	1061	24	the	the	DET
cblr-9983	1061	25	agencies	agency	NOUN
cblr-9983	1061	26	.	.	PUNCT
cblr-9983	1062	1	therefore	therefore	ADV
cblr-9983	1062	2	,	,	PUNCT
cblr-9983	1062	3	in	in	ADP
cblr-9983	1062	4	order	order	NOUN
cblr-9983	1062	5	to	to	PART
cblr-9983	1062	6	clarify	clarify	VERB
cblr-9983	1062	7	the	the	DET
cblr-9983	1062	8	authority	authority	NOUN
cblr-9983	1062	9	of	of	ADP
cblr-9983	1062	10	the	the	DET
cblr-9983	1062	11	banking	banking	NOUN
cblr-9983	1062	12	agencies	agency	NOUN
cblr-9983	1062	13	to	to	PART
cblr-9983	1062	14	establish	establish	VERB
cblr-9983	1062	15	adequate	adequate	ADJ
cblr-9983	1062	16	levels	level	NOUN
cblr-9983	1062	17	of	of	ADP
cblr-9983	1062	18	capital	capital	NOUN
cblr-9983	1062	19	requirements	requirement	NOUN
cblr-9983	1062	20	,	,	PUNCT
cblr-9983	1062	21	to	to	PART
cblr-9983	1062	22	require	require	VERB
cblr-9983	1062	23	the	the	DET
cblr-9983	1062	24	maintenance	maintenance	NOUN
cblr-9983	1062	25	of	of	ADP
cblr-9983	1062	26	those	those	DET
cblr-9983	1062	27	levels	level	NOUN
cblr-9983	1062	28	,	,	PUNCT
cblr-9983	1062	29	and	and	CCONJ
cblr-9983	1062	30	to	to	PART
cblr-9983	1062	31	prevent	prevent	VERB
cblr-9983	1062	32	the	the	DET
cblr-9983	1062	33	courts	court	NOUN
cblr-9983	1062	34	from	from	ADP
cblr-9983	1062	35	disturbing	disturb	VERB
cblr-9983	1062	36	such	such	ADJ
cblr-9983	1062	37	capital	capital	NOUN
cblr-9983	1062	38	,	,	PUNCT
cblr-9983	1062	39	the	the	DET
cblr-9983	1062	40	committee	committee	NOUN
cblr-9983	1062	41	has	have	AUX
cblr-9983	1062	42	provided	provide	VERB
cblr-9983	1062	43	a	a	DET
cblr-9983	1062	44	specific	specific	ADJ
cblr-9983	1062	45	grant	grant	NOUN
cblr-9983	1062	46	of	of	ADP
cblr-9983	1062	47	authority	authority	NOUN
cblr-9983	1062	48	to	to	ADP
cblr-9983	1062	49	the	the	DET
cblr-9983	1062	50	banking	banking	NOUN
cblr-9983	1062	51	agencies	agency	NOUN
cblr-9983	1062	52	to	to	PART
cblr-9983	1062	53	establish	establish	VERB
cblr-9983	1062	54	levels	level	NOUN
cblr-9983	1062	55	of	of	ADP
cblr-9983	1062	56	capital	capital	NOUN
cblr-9983	1062	57	[	[	X
cblr-9983	1062	58	.	.	PUNCT
cblr-9983	1062	59	]	]	X
cblr-9983	1063	1	i	i	PRON
cblr-9983	1063	2	d.	d.	NOUN
cblr-9983	1063	3	174	174	NUM
cblr-9983	1063	4	5	5	NUM
cblr-9983	1063	5	u.s.c	u.s.c	ADJ
cblr-9983	1063	6	.	.	PUNCT
cblr-9983	1064	1	§	§	PROPN
cblr-9983	1064	2	701(a)(2	701(a)(2	PROPN
cblr-9983	1064	3	)	)	PUNCT
cblr-9983	1064	4	(	(	PUNCT
cblr-9983	1064	5	2018	2018	NUM
cblr-9983	1064	6	)	)	PUNCT
cblr-9983	1064	7	.	.	PUNCT
cblr-9983	1065	1	175	175	NUM
cblr-9983	1065	2	fed	fed	PROPN
cblr-9983	1065	3	.	.	PUNCT
cblr-9983	1066	1	deposit	deposit	NOUN
cblr-9983	1066	2	ins	ins	PROPN
cblr-9983	1066	3	.	.	PUNCT
cblr-9983	1066	4	corp	corp	PROPN
cblr-9983	1066	5	.	.	PROPN
cblr-9983	1067	1	v.	v.	ADP
cblr-9983	1067	2	bank	bank	PROPN
cblr-9983	1067	3	of	of	ADP
cblr-9983	1067	4	coushatta	coushatta	NOUN
cblr-9983	1067	5	,	,	PUNCT
cblr-9983	1067	6	930	930	NUM
cblr-9983	1067	7	f.2d	f.2d	NOUN
cblr-9983	1067	8	1122	1122	NUM
cblr-9983	1067	9	,	,	PUNCT
cblr-9983	1067	10	1129	1129	NUM
cblr-9983	1067	11	(	(	PUNCT
cblr-9983	1067	12	5th	5th	ADJ
cblr-9983	1067	13	cir	cir	NOUN
cblr-9983	1067	14	.	.	PROPN
cblr-9983	1067	15	1991	1991	NUM
cblr-9983	1067	16	)	)	PUNCT
cblr-9983	1067	17	.	.	PUNCT
cblr-9983	1068	1	176	176	NUM
cblr-9983	1068	2	12	12	NUM
cblr-9983	1068	3	u.s.c	u.s.c	NOUN
cblr-9983	1068	4	.	.	PUNCT
cblr-9983	1069	1	§	§	PROPN
cblr-9983	1069	2	3907(b)(1	3907(b)(1	NUM
cblr-9983	1069	3	)	)	PUNCT
cblr-9983	1069	4	(	(	PUNCT
cblr-9983	1069	5	2018	2018	NUM
cblr-9983	1069	6	)	)	PUNCT
cblr-9983	1069	7	.	.	PUNCT
cblr-9983	1070	1	this	this	DET
cblr-9983	1070	2	subsection	subsection	NOUN
cblr-9983	1070	3	actually	actually	ADV
cblr-9983	1070	4	states	state	VERB
cblr-9983	1070	5	that	that	SCONJ
cblr-9983	1070	6	failure	failure	NOUN
cblr-9983	1070	7	of	of	ADP
cblr-9983	1070	8	a	a	DET
cblr-9983	1070	9	bank	bank	NOUN
cblr-9983	1070	10	to	to	PART
cblr-9983	1070	11	maintain	maintain	VERB
cblr-9983	1070	12	the	the	DET
cblr-9983	1070	13	capital	capital	NOUN
cblr-9983	1070	14	level	level	NOUN
cblr-9983	1070	15	required	require	VERB
cblr-9983	1070	16	by	by	ADP
cblr-9983	1070	17	a	a	DET
cblr-9983	1070	18	banking	banking	NOUN
cblr-9983	1070	19	agency	agency	NOUN
cblr-9983	1070	20	may	may	AUX
cblr-9983	1070	21	be	be	AUX
cblr-9983	1070	22	deemed	deem	VERB
cblr-9983	1070	23	by	by	ADP
cblr-9983	1070	24	the	the	DET
cblr-9983	1070	25	agency	agency	NOUN
cblr-9983	1070	26	an	an	DET
cblr-9983	1070	27	“	"	PUNCT
cblr-9983	1070	28	unsafe	unsafe	ADJ
cblr-9983	1070	29	or	or	CCONJ
cblr-9983	1070	30	unsound	unsound	ADJ
cblr-9983	1070	31	practice	practice	NOUN
cblr-9983	1070	32	”	"	PUNCT
cblr-9983	1070	33	within	within	ADP
cblr-9983	1070	34	the	the	DET
cblr-9983	1070	35	meaning	meaning	NOUN
cblr-9983	1070	36	of	of	ADP
cblr-9983	1070	37	12	12	NUM
cblr-9983	1070	38	u.s.c	u.s.c	ADJ
cblr-9983	1070	39	.	.	PUNCT
cblr-9983	1071	1	§	§	PROPN
cblr-9983	1071	2	1818	1818	NUM
cblr-9983	1071	3	.	.	PUNCT
cblr-9983	1072	1	12	12	NUM
cblr-9983	1072	2	u.s.c	u.s.c	NOUN
cblr-9983	1072	3	.	.	PUNCT
cblr-9983	1073	1	§	§	PROPN
cblr-9983	1073	2	3907(b)(1	3907(b)(1	NUM
cblr-9983	1073	3	)	)	PUNCT
cblr-9983	1073	4	.	.	PUNCT
cblr-9983	1074	1	under	under	ADP
cblr-9983	1074	2	section	section	NOUN
cblr-9983	1074	3	1818	1818	NUM
cblr-9983	1074	4	,	,	PUNCT
cblr-9983	1074	5	banking	banking	NOUN
cblr-9983	1074	6	agencies	agency	NOUN
cblr-9983	1074	7	issue	issue	VERB
cblr-9983	1074	8	cease	cease	VERB
cblr-9983	1074	9	-	-	PUNCT
cblr-9983	1074	10	and	and	CCONJ
cblr-9983	1074	11	-	-	PUNCT
cblr-9983	1074	12	desist	desist	VERB
cblr-9983	1074	13	orders	order	NOUN
cblr-9983	1074	14	when	when	SCONJ
cblr-9983	1074	15	they	they	PRON
cblr-9983	1074	16	have	have	AUX
cblr-9983	1074	17	determined	determine	VERB
cblr-9983	1074	18	no	no	PRON
cblr-9983	1074	19	.	.	PUNCT
cblr-9983	1075	1	1:279	1:279	NOUN
cblr-9983	1075	2	]	]	X
cblr-9983	1075	3	bank	bank	NOUN
cblr-9983	1075	4	supervision	supervision	NOUN
cblr-9983	1075	5	and	and	CCONJ
cblr-9983	1075	6	administrative	administrative	ADJ
cblr-9983	1075	7	law	law	NOUN
cblr-9983	1075	8	337	337	NUM
cblr-9983	1075	9	or	or	CCONJ
cblr-9983	1075	10	a	a	DET
cblr-9983	1075	11	“	"	PUNCT
cblr-9983	1075	12	directive	directive	NOUN
cblr-9983	1075	13	”	"	PUNCT
cblr-9983	1075	14	to	to	ADP
cblr-9983	1075	15	a	a	DET
cblr-9983	1075	16	bank.177	bank.177	CCONJ
cblr-9983	1075	17	a	a	DET
cblr-9983	1075	18	banking	banking	NOUN
cblr-9983	1075	19	agency	agency	NOUN
cblr-9983	1075	20	may	may	AUX
cblr-9983	1075	21	require	require	VERB
cblr-9983	1075	22	a	a	DET
cblr-9983	1075	23	bank	bank	NOUN
cblr-9983	1075	24	“	"	PUNCT
cblr-9983	1075	25	to	to	PART
cblr-9983	1075	26	submit	submit	VERB
cblr-9983	1075	27	and	and	CCONJ
cblr-9983	1075	28	adhere	adhere	VERB
cblr-9983	1075	29	to	to	ADP
cblr-9983	1075	30	a	a	DET
cblr-9983	1075	31	plan	plan	NOUN
cblr-9983	1075	32	acceptable	acceptable	ADJ
cblr-9983	1075	33	to	to	ADP
cblr-9983	1075	34	the	the	PRON
cblr-9983	1075	35	.	.	PUNCT
cblr-9983	1075	36	.	.	PUNCT
cblr-9983	1075	37	.	.	PUNCT
cblr-9983	1076	1	agency	agency	NOUN
cblr-9983	1076	2	describing	describe	VERB
cblr-9983	1076	3	the	the	DET
cblr-9983	1076	4	means	mean	NOUN
cblr-9983	1076	5	and	and	CCONJ
cblr-9983	1076	6	timing	timing	NOUN
cblr-9983	1076	7	by	by	ADP
cblr-9983	1076	8	which	which	PRON
cblr-9983	1076	9	the	the	DET
cblr-9983	1076	10	banking	banking	NOUN
cblr-9983	1076	11	institution	institution	NOUN
cblr-9983	1076	12	shall	shall	AUX
cblr-9983	1076	13	achieve	achieve	VERB
cblr-9983	1076	14	its	its	PRON
cblr-9983	1076	15	required	require	VERB
cblr-9983	1076	16	capital	capital	NOUN
cblr-9983	1076	17	level	level	NOUN
cblr-9983	1076	18	.	.	PUNCT
cblr-9983	1077	1	”178	”178	ADV
cblr-9983	1077	2	finally	finally	ADV
cblr-9983	1077	3	,	,	PUNCT
cblr-9983	1077	4	the	the	DET
cblr-9983	1077	5	statute	statute	NOUN
cblr-9983	1077	6	authorizes	authorize	VERB
cblr-9983	1077	7	the	the	DET
cblr-9983	1077	8	agency	agency	NOUN
cblr-9983	1077	9	to	to	PART
cblr-9983	1077	10	“	"	PUNCT
cblr-9983	1077	11	consider	consider	VERB
cblr-9983	1077	12	such	such	ADJ
cblr-9983	1077	13	banking	banking	NOUN
cblr-9983	1077	14	institution	institution	NOUN
cblr-9983	1077	15	’s	’s	PART
cblr-9983	1077	16	progress	progress	NOUN
cblr-9983	1077	17	in	in	ADP
cblr-9983	1077	18	adhering	adhere	VERB
cblr-9983	1077	19	”	"	PUNCT
cblr-9983	1077	20	to	to	ADP
cblr-9983	1077	21	a	a	DET
cblr-9983	1077	22	required	require	VERB
cblr-9983	1077	23	capital	capital	NOUN
cblr-9983	1077	24	directive	directive	NOUN
cblr-9983	1077	25	whenever	whenever	SCONJ
cblr-9983	1077	26	the	the	DET
cblr-9983	1077	27	bank	bank	NOUN
cblr-9983	1077	28	seeks	seek	VERB
cblr-9983	1077	29	approval	approval	NOUN
cblr-9983	1077	30	“	"	PUNCT
cblr-9983	1077	31	for	for	ADP
cblr-9983	1077	32	any	any	DET
cblr-9983	1077	33	proposal	proposal	NOUN
cblr-9983	1077	34	which	which	PRON
cblr-9983	1077	35	would	would	AUX
cblr-9983	1077	36	divert	divert	VERB
cblr-9983	1077	37	earnings	earning	NOUN
cblr-9983	1077	38	,	,	PUNCT
cblr-9983	1077	39	diminish	diminish	VERB
cblr-9983	1077	40	capital	capital	NOUN
cblr-9983	1077	41	,	,	PUNCT
cblr-9983	1077	42	or	or	CCONJ
cblr-9983	1077	43	otherwise	otherwise	ADV
cblr-9983	1077	44	impede	impede	VERB
cblr-9983	1077	45	such	such	ADJ
cblr-9983	1077	46	banking	banking	NOUN
cblr-9983	1077	47	institution	institution	NOUN
cblr-9983	1077	48	’s	’s	PART
cblr-9983	1077	49	progress	progress	NOUN
cblr-9983	1077	50	in	in	ADP
cblr-9983	1077	51	achieving	achieve	VERB
cblr-9983	1077	52	its	its	PRON
cblr-9983	1077	53	minimum	minimum	ADJ
cblr-9983	1077	54	capital	capital	NOUN
cblr-9983	1077	55	level	level	NOUN
cblr-9983	1077	56	.	.	PUNCT
cblr-9983	1077	57	”179	”179	VERB
cblr-9983	1077	58	the	the	DET
cblr-9983	1077	59	agency	agency	NOUN
cblr-9983	1077	60	“	"	PUNCT
cblr-9983	1077	61	may	may	AUX
cblr-9983	1077	62	deny	deny	VERB
cblr-9983	1077	63	such	such	ADJ
cblr-9983	1077	64	approval	approval	NOUN
cblr-9983	1077	65	where	where	SCONJ
cblr-9983	1077	66	it	it	PRON
cblr-9983	1077	67	determines	determine	VERB
cblr-9983	1077	68	that	that	SCONJ
cblr-9983	1077	69	such	such	ADJ
cblr-9983	1077	70	proposal	proposal	NOUN
cblr-9983	1077	71	would	would	AUX
cblr-9983	1077	72	adversely	adversely	ADV
cblr-9983	1077	73	affect	affect	VERB
cblr-9983	1077	74	the	the	DET
cblr-9983	1077	75	ability	ability	NOUN
cblr-9983	1077	76	of	of	ADP
cblr-9983	1077	77	the	the	DET
cblr-9983	1077	78	banking	banking	NOUN
cblr-9983	1077	79	institution	institution	NOUN
cblr-9983	1077	80	to	to	PART
cblr-9983	1077	81	comply	comply	VERB
cblr-9983	1077	82	with	with	ADP
cblr-9983	1077	83	such	such	ADJ
cblr-9983	1077	84	plan	plan	NOUN
cblr-9983	1077	85	.	.	PUNCT
cblr-9983	1077	86	”180	”180	PUNCT
cblr-9983	1078	1	although	although	SCONJ
cblr-9983	1078	2	these	these	DET
cblr-9983	1078	3	two	two	NUM
cblr-9983	1078	4	statutes	statute	NOUN
cblr-9983	1078	5	were	be	AUX
cblr-9983	1078	6	enacted	enact	VERB
cblr-9983	1078	7	in	in	ADP
cblr-9983	1078	8	response	response	NOUN
cblr-9983	1078	9	to	to	ADP
cblr-9983	1078	10	two	two	NUM
cblr-9983	1078	11	different	different	ADJ
cblr-9983	1078	12	banking	banking	NOUN
cblr-9983	1078	13	crises	crisis	NOUN
cblr-9983	1078	14	separated	separate	VERB
cblr-9983	1078	15	by	by	ADP
cblr-9983	1078	16	a	a	DET
cblr-9983	1078	17	quarter	quarter	NOUN
cblr-9983	1078	18	century	century	NOUN
cblr-9983	1078	19	,	,	PUNCT
cblr-9983	1078	20	they	they	PRON
cblr-9983	1078	21	actually	actually	ADV
cblr-9983	1078	22	complement	complement	VERB
cblr-9983	1078	23	one	one	NUM
cblr-9983	1078	24	another	another	PRON
cblr-9983	1078	25	quite	quite	ADV
cblr-9983	1078	26	well	well	ADV
cblr-9983	1078	27	and	and	CCONJ
cblr-9983	1078	28	are	be	AUX
cblr-9983	1078	29	directly	directly	ADV
cblr-9983	1078	30	linked	link	VERB
cblr-9983	1078	31	.	.	PUNCT
cblr-9983	1079	1	in	in	ADP
cblr-9983	1079	2	addition	addition	NOUN
cblr-9983	1079	3	to	to	ADP
cblr-9983	1079	4	the	the	DET
cblr-9983	1079	5	requirement	requirement	NOUN
cblr-9983	1079	6	for	for	ADP
cblr-9983	1079	7	more	more	ADV
cblr-9983	1079	8	stringent	stringent	ADJ
cblr-9983	1079	9	prudential	prudential	ADJ
cblr-9983	1079	10	requirements	requirement	NOUN
cblr-9983	1079	11	included	include	VERB
cblr-9983	1079	12	in	in	ADP
cblr-9983	1079	13	section	section	NOUN
cblr-9983	1079	14	165	165	NUM
cblr-9983	1079	15	,	,	PUNCT
cblr-9983	1079	16	dodd	dodd	PROPN
cblr-9983	1079	17	-	-	PUNCT
cblr-9983	1079	18	frank	frank	PROPN
cblr-9983	1079	19	added	add	VERB
cblr-9983	1079	20	a	a	DET
cblr-9983	1079	21	sentence	sentence	NOUN
cblr-9983	1079	22	to	to	PART
cblr-9983	1079	23	section	section	VERB
cblr-9983	1079	24	908	908	NUM
cblr-9983	1079	25	calling	call	VERB
cblr-9983	1079	26	on	on	ADP
cblr-9983	1079	27	the	the	DET
cblr-9983	1079	28	banking	banking	NOUN
cblr-9983	1079	29	agencies	agency	NOUN
cblr-9983	1079	30	to	to	PART
cblr-9983	1079	31	make	make	VERB
cblr-9983	1079	32	the	the	DET
cblr-9983	1079	33	capital	capital	NOUN
cblr-9983	1079	34	standards	standard	NOUN
cblr-9983	1079	35	required	require	VERB
cblr-9983	1079	36	under	under	ADP
cblr-9983	1079	37	this	this	DET
cblr-9983	1079	38	section	section	NOUN
cblr-9983	1079	39	or	or	CCONJ
cblr-9983	1079	40	other	other	ADJ
cblr-9983	1079	41	provisions	provision	NOUN
cblr-9983	1079	42	of	of	ADP
cblr-9983	1079	43	federal	federal	ADJ
cblr-9983	1079	44	law	law	NOUN
cblr-9983	1079	45	for	for	ADP
cblr-9983	1079	46	insured	insure	VERB
cblr-9983	1079	47	depository	depository	NOUN
cblr-9983	1079	48	institutions	institution	NOUN
cblr-9983	1079	49	countercyclical	countercyclical	VERB
cblr-9983	1079	50	so	so	SCONJ
cblr-9983	1079	51	that	that	SCONJ
cblr-9983	1079	52	the	the	DET
cblr-9983	1079	53	amount	amount	NOUN
cblr-9983	1079	54	of	of	ADP
cblr-9983	1079	55	capital	capital	NOUN
cblr-9983	1079	56	required	require	VERB
cblr-9983	1079	57	to	to	PART
cblr-9983	1079	58	be	be	AUX
cblr-9983	1079	59	maintained	maintain	VERB
cblr-9983	1079	60	by	by	ADP
cblr-9983	1079	61	an	an	DET
cblr-9983	1079	62	insured	insure	VERB
cblr-9983	1079	63	depository	depository	NOUN
cblr-9983	1079	64	institution	institution	NOUN
cblr-9983	1079	65	increases	increase	NOUN
cblr-9983	1079	66	in	in	ADP
cblr-9983	1079	67	times	time	NOUN
cblr-9983	1079	68	of	of	ADP
cblr-9983	1079	69	economic	economic	ADJ
cblr-9983	1079	70	expansion	expansion	NOUN
cblr-9983	1079	71	and	and	CCONJ
cblr-9983	1079	72	decreases	decrease	NOUN
cblr-9983	1079	73	in	in	ADP
cblr-9983	1079	74	times	time	NOUN
cblr-9983	1079	75	of	of	ADP
cblr-9983	1079	76	economic	economic	ADJ
cblr-9983	1079	77	contraction	contraction	NOUN
cblr-9983	1079	78	,	,	PUNCT
cblr-9983	1079	79	consistent	consistent	ADJ
cblr-9983	1079	80	with	with	ADP
cblr-9983	1079	81	the	the	DET
cblr-9983	1079	82	safety	safety	NOUN
cblr-9983	1079	83	and	and	CCONJ
cblr-9983	1079	84	soundness	soundness	NOUN
cblr-9983	1079	85	of	of	ADP
cblr-9983	1079	86	the	the	DET
cblr-9983	1079	87	insured	insure	VERB
cblr-9983	1079	88	depository	depository	NOUN
cblr-9983	1079	89	institution.181	institution.181	NOUN
cblr-9983	1079	90	that	that	SCONJ
cblr-9983	1079	91	such	such	DET
cblr-9983	1079	92	a	a	DET
cblr-9983	1079	93	practice	practice	NOUN
cblr-9983	1079	94	exists	exist	VERB
cblr-9983	1079	95	.	.	PUNCT
cblr-9983	1080	1	i	i	PRON
cblr-9983	1080	2	d.	d.	PROPN
cblr-9983	1080	3	§	§	PROPN
cblr-9983	1080	4	1818(d	1818(d	NUM
cblr-9983	1080	5	)	)	PUNCT
cblr-9983	1080	6	.	.	PUNCT
cblr-9983	1081	1	these	these	DET
cblr-9983	1081	2	orders	order	NOUN
cblr-9983	1081	3	are	be	AUX
cblr-9983	1081	4	judicially	judicially	ADV
cblr-9983	1081	5	enforceable	enforceable	ADJ
cblr-9983	1081	6	.	.	PUNCT
cblr-9983	1082	1	i	i	PRON
cblr-9983	1082	2	d.	d.	PROPN
cblr-9983	1082	3	§	§	PROPN
cblr-9983	1082	4	1818(i	1818(i	PROPN
cblr-9983	1082	5	)	)	PUNCT
cblr-9983	1082	6	.	.	PUNCT
cblr-9983	1083	1	177	177	NUM
cblr-9983	1083	2	12	12	NUM
cblr-9983	1083	3	u.s.c	u.s.c	NOUN
cblr-9983	1083	4	.	.	PUNCT
cblr-9983	1084	1	§	§	PROPN
cblr-9983	1084	2	3907(b)(2)(a	3907(b)(2)(a	NUM
cblr-9983	1084	3	)	)	PUNCT
cblr-9983	1084	4	.	.	PUNCT
cblr-9983	1085	1	178	178	NUM
cblr-9983	1086	1	i	i	PROPN
cblr-9983	1086	2	d.	d.	PROPN
cblr-9983	1086	3	§	§	PROPN
cblr-9983	1086	4	3907(b)(2)(b)(i	3907(b)(2)(b)(i	PROPN
cblr-9983	1086	5	)	)	PUNCT
cblr-9983	1086	6	.	.	PUNCT
cblr-9983	1087	1	179	179	NUM
cblr-9983	1088	1	i	i	PRON
cblr-9983	1088	2	d.	d.	PROPN
cblr-9983	1088	3	§	§	PROPN
cblr-9983	1088	4	3907(b)(3)(a	3907(b)(3)(a	PROPN
cblr-9983	1088	5	)	)	PUNCT
cblr-9983	1088	6	.	.	PUNCT
cblr-9983	1089	1	180	180	NUM
cblr-9983	1090	1	i	i	PROPN
cblr-9983	1090	2	d.	d.	PROPN
cblr-9983	1090	3	§	§	PROPN
cblr-9983	1090	4	3907(b)(3)(b	3907(b)(3)(b	PROPN
cblr-9983	1090	5	)	)	PUNCT
cblr-9983	1090	6	.	.	PUNCT
cblr-9983	1091	1	181	181	NUM
cblr-9983	1091	2	dodd	dodd	PROPN
cblr-9983	1091	3	-	-	PUNCT
cblr-9983	1091	4	frank	frank	PROPN
cblr-9983	1091	5	act	act	PROPN
cblr-9983	1091	6	,	,	PUNCT
cblr-9983	1091	7	pub	pub	NOUN
cblr-9983	1091	8	.	.	PUNCT
cblr-9983	1092	1	l.	l.	PROPN
cblr-9983	1092	2	no	no	INTJ
cblr-9983	1092	3	.	.	PUNCT
cblr-9983	1093	1	111–203	111–203	NUM
cblr-9983	1093	2	,	,	PUNCT
cblr-9983	1093	3	§	§	PROPN
cblr-9983	1093	4	616(c	616(c	PROPN
cblr-9983	1093	5	)	)	PUNCT
cblr-9983	1093	6	,	,	PUNCT
cblr-9983	1093	7	124	124	NUM
cblr-9983	1093	8	stat	stat	NOUN
cblr-9983	1093	9	.	.	PUNCT
cblr-9983	1094	1	1376	1376	NUM
cblr-9983	1094	2	,	,	PUNCT
cblr-9983	1094	3	1615	1615	NUM
cblr-9983	1094	4	(	(	PUNCT
cblr-9983	1094	5	2010	2010	NUM
cblr-9983	1094	6	)	)	PUNCT
cblr-9983	1094	7	(	(	PUNCT
cblr-9983	1094	8	codified	codify	VERB
cblr-9983	1094	9	at	at	ADP
cblr-9983	1094	10	12	12	NUM
cblr-9983	1094	11	u.s.c	u.s.c	NOUN
cblr-9983	1094	12	.	.	PUNCT
cblr-9983	1095	1	§	§	PROPN
cblr-9983	1095	2	3907(a)(1	3907(a)(1	NUM
cblr-9983	1095	3	)	)	PUNCT
cblr-9983	1095	4	)	)	PUNCT
cblr-9983	1096	1	(	(	PUNCT
cblr-9983	1096	2	adding	add	VERB
cblr-9983	1096	3	this	this	DET
cblr-9983	1096	4	provision	provision	NOUN
cblr-9983	1096	5	in	in	ADP
cblr-9983	1096	6	an	an	DET
cblr-9983	1096	7	amendment	amendment	NOUN
cblr-9983	1096	8	to	to	ADP
cblr-9983	1096	9	the	the	DET
cblr-9983	1096	10	international	international	ADJ
cblr-9983	1096	11	lending	lending	NOUN
cblr-9983	1096	12	supervision	supervision	NOUN
cblr-9983	1096	13	act	act	NOUN
cblr-9983	1096	14	of	of	ADP
cblr-9983	1096	15	1983	1983	NUM
cblr-9983	1096	16	,	,	PUNCT
cblr-9983	1096	17	pub	pub	NOUN
cblr-9983	1096	18	.	.	PUNCT
cblr-9983	1097	1	l.	l.	PROPN
cblr-9983	1097	2	98	98	NUM
cblr-9983	1097	3	-	-	SYM
cblr-9983	1097	4	181	181	NUM
cblr-9983	1097	5	,	,	PUNCT
cblr-9983	1097	6	§	§	PROPN
cblr-9983	1097	7	908(a)(1	908(a)(1	PROPN
cblr-9983	1097	8	)	)	PUNCT
cblr-9983	1097	9	,	,	PUNCT
cblr-9983	1097	10	97	97	NUM
cblr-9983	1097	11	stat	stat	NOUN
cblr-9983	1097	12	.	.	PUNCT
cblr-9983	1097	13	1153	1153	NUM
cblr-9983	1097	14	,	,	PUNCT
cblr-9983	1097	15	1280	1280	NUM
cblr-9983	1097	16	(	(	PUNCT
cblr-9983	1097	17	codified	codify	VERB
cblr-9983	1097	18	as	as	SCONJ
cblr-9983	1097	19	amended	amend	VERB
cblr-9983	1097	20	at	at	ADP
cblr-9983	1097	21	12	12	NUM
cblr-9983	1097	22	u.s.c	u.s.c	ADJ
cblr-9983	1097	23	.	.	PUNCT
cblr-9983	1098	1	§	§	PROPN
cblr-9983	1098	2	3907(a)(1	3907(a)(1	NUM
cblr-9983	1098	3	)	)	PUNCT
cblr-9983	1098	4	)	)	PUNCT
cblr-9983	1098	5	.	.	PUNCT
cblr-9983	1099	1	338	338	NUM
cblr-9983	1099	2	columbia	columbia	PROPN
cblr-9983	1099	3	business	business	NOUN
cblr-9983	1099	4	law	law	PROPN
cblr-9983	1099	5	review	review	NOUN
cblr-9983	1099	6	[	[	X
cblr-9983	1099	7	vol	vol	NOUN
cblr-9983	1099	8	.	.	PUNCT
cblr-9983	1099	9	2022	2022	NUM
cblr-9983	1099	10	this	this	DET
cblr-9983	1099	11	amendment	amendment	NOUN
cblr-9983	1099	12	invites	invite	VERB
cblr-9983	1099	13	,	,	PUNCT
cblr-9983	1099	14	or	or	CCONJ
cblr-9983	1099	15	perhaps	perhaps	ADV
cblr-9983	1099	16	directs	direct	VERB
cblr-9983	1099	17	,	,	PUNCT
cblr-9983	1099	18	the	the	DET
cblr-9983	1099	19	banking	banking	NOUN
cblr-9983	1099	20	agencies	agency	NOUN
cblr-9983	1099	21	to	to	PART
cblr-9983	1099	22	use	use	VERB
cblr-9983	1099	23	their	their	PRON
cblr-9983	1099	24	existing	exist	VERB
cblr-9983	1099	25	section	section	NOUN
cblr-9983	1099	26	908	908	NUM
cblr-9983	1099	27	authority	authority	NOUN
cblr-9983	1099	28	to	to	PART
cblr-9983	1099	29	address	address	VERB
cblr-9983	1099	30	capital	capital	NOUN
cblr-9983	1099	31	regulatory	regulatory	ADJ
cblr-9983	1099	32	shortcomings	shortcoming	NOUN
cblr-9983	1099	33	newly	newly	ADV
cblr-9983	1099	34	revealed	reveal	VERB
cblr-9983	1099	35	by	by	ADP
cblr-9983	1099	36	the	the	DET
cblr-9983	1099	37	financial	financial	ADJ
cblr-9983	1099	38	crisis	crisis	NOUN
cblr-9983	1099	39	.	.	PUNCT
cblr-9983	1100	1	as	as	SCONJ
cblr-9983	1100	2	noted	note	VERB
cblr-9983	1100	3	earlier	early	ADV
cblr-9983	1100	4	,	,	PUNCT
cblr-9983	1100	5	one	one	NUM
cblr-9983	1100	6	of	of	ADP
cblr-9983	1100	7	the	the	DET
cblr-9983	1100	8	many	many	ADJ
cblr-9983	1100	9	potential	potential	ADJ
cblr-9983	1100	10	advantages	advantage	NOUN
cblr-9983	1100	11	of	of	ADP
cblr-9983	1100	12	using	use	VERB
cblr-9983	1100	13	stress	stress	NOUN
cblr-9983	1100	14	testing	testing	NOUN
cblr-9983	1100	15	to	to	PART
cblr-9983	1100	16	help	help	VERB
cblr-9983	1100	17	set	set	VERB
cblr-9983	1100	18	capital	capital	NOUN
cblr-9983	1100	19	requirements	requirement	NOUN
cblr-9983	1100	20	for	for	ADP
cblr-9983	1100	21	large	large	ADJ
cblr-9983	1100	22	banks	bank	NOUN
cblr-9983	1100	23	is	be	AUX
cblr-9983	1100	24	that	that	SCONJ
cblr-9983	1100	25	it	it	PRON
cblr-9983	1100	26	can	can	AUX
cblr-9983	1100	27	ameliorate	ameliorate	VERB
cblr-9983	1100	28	the	the	DET
cblr-9983	1100	29	procyclical	procyclical	ADJ
cblr-9983	1100	30	bias	bias	NOUN
cblr-9983	1100	31	of	of	ADP
cblr-9983	1100	32	standard	standard	ADJ
cblr-9983	1100	33	point	point	NOUN
cblr-9983	1100	34	-	-	PUNCT
cblr-9983	1100	35	in	in	ADP
cblr-9983	1100	36	-	-	PUNCT
cblr-9983	1100	37	time	time	NOUN
cblr-9983	1100	38	capital	capital	NOUN
cblr-9983	1100	39	requirements	requirement	NOUN
cblr-9983	1100	40	.	.	PUNCT
cblr-9983	1101	1	section	section	NOUN
cblr-9983	1101	2	908	908	NUM
cblr-9983	1101	3	maps	map	NOUN
cblr-9983	1101	4	comfortably	comfortably	ADV
cblr-9983	1101	5	onto	onto	ADP
cblr-9983	1101	6	the	the	DET
cblr-9983	1101	7	approaches	approach	NOUN
cblr-9983	1101	8	successively	successively	ADV
cblr-9983	1101	9	adopted	adopt	VERB
cblr-9983	1101	10	by	by	ADP
cblr-9983	1101	11	the	the	DET
cblr-9983	1101	12	federal	federal	PROPN
cblr-9983	1101	13	reserve	reserve	PROPN
cblr-9983	1101	14	to	to	PART
cblr-9983	1101	15	use	use	VERB
cblr-9983	1101	16	stress	stress	NOUN
cblr-9983	1101	17	tests	test	NOUN
cblr-9983	1101	18	in	in	ADP
cblr-9983	1101	19	setting	set	VERB
cblr-9983	1101	20	capital	capital	NOUN
cblr-9983	1101	21	requirements	requirement	NOUN
cblr-9983	1101	22	.	.	PUNCT
cblr-9983	1102	1	minimum	minimum	ADJ
cblr-9983	1102	2	capital	capital	NOUN
cblr-9983	1102	3	requirements	requirement	NOUN
cblr-9983	1102	4	for	for	ADP
cblr-9983	1102	5	the	the	DET
cblr-9983	1102	6	large	large	ADJ
cblr-9983	1102	7	banks	bank	NOUN
cblr-9983	1102	8	included	include	VERB
cblr-9983	1102	9	in	in	ADP
cblr-9983	1102	10	the	the	DET
cblr-9983	1102	11	program	program	NOUN
cblr-9983	1102	12	are	be	AUX
cblr-9983	1102	13	established	establish	VERB
cblr-9983	1102	14	by	by	ADP
cblr-9983	1102	15	the	the	DET
cblr-9983	1102	16	board	board	NOUN
cblr-9983	1102	17	of	of	ADP
cblr-9983	1102	18	governors	governor	NOUN
cblr-9983	1102	19	after	after	ADP
cblr-9983	1102	20	an	an	DET
cblr-9983	1102	21	evaluation	evaluation	NOUN
cblr-9983	1102	22	of	of	ADP
cblr-9983	1102	23	the	the	DET
cblr-9983	1102	24	impact	impact	NOUN
cblr-9983	1102	25	of	of	ADP
cblr-9983	1102	26	a	a	DET
cblr-9983	1102	27	severe	severe	ADJ
cblr-9983	1102	28	stress	stress	NOUN
cblr-9983	1102	29	scenario	scenario	NOUN
cblr-9983	1102	30	on	on	ADP
cblr-9983	1102	31	each	each	DET
cblr-9983	1102	32	bank	bank	NOUN
cblr-9983	1102	33	’s	’s	PART
cblr-9983	1102	34	losses	loss	NOUN
cblr-9983	1102	35	and	and	CCONJ
cblr-9983	1102	36	revenue	revenue	NOUN
cblr-9983	1102	37	,	,	PUNCT
cblr-9983	1102	38	based	base	VERB
cblr-9983	1102	39	on	on	ADP
cblr-9983	1102	40	its	its	PRON
cblr-9983	1102	41	specific	specific	ADJ
cblr-9983	1102	42	assets	asset	NOUN
cblr-9983	1102	43	and	and	CCONJ
cblr-9983	1102	44	business	business	NOUN
cblr-9983	1102	45	models	model	NOUN
cblr-9983	1102	46	.	.	PUNCT
cblr-9983	1103	1	following	follow	VERB
cblr-9983	1103	2	section	section	NOUN
cblr-9983	1103	3	908(a	908(a	PROPN
cblr-9983	1103	4	)	)	PUNCT
cblr-9983	1103	5	,	,	PUNCT
cblr-9983	1103	6	the	the	DET
cblr-9983	1103	7	board	board	NOUN
cblr-9983	1103	8	sets	set	VERB
cblr-9983	1103	9	the	the	DET
cblr-9983	1103	10	capital	capital	NOUN
cblr-9983	1103	11	requirement	requirement	NOUN
cblr-9983	1103	12	for	for	ADP
cblr-9983	1103	13	each	each	DET
cblr-9983	1103	14	bank	bank	NOUN
cblr-9983	1103	15	that	that	PRON
cblr-9983	1103	16	,	,	PUNCT
cblr-9983	1103	17	“	"	PUNCT
cblr-9983	1103	18	in	in	ADP
cblr-9983	1103	19	its	its	PRON
cblr-9983	1103	20	discretion	discretion	NOUN
cblr-9983	1103	21	,	,	PUNCT
cblr-9983	1103	22	[	[	X
cblr-9983	1103	23	it	it	PRON
cblr-9983	1103	24	]	]	PUNCT
cblr-9983	1103	25	deems	deem	VERB
cblr-9983	1103	26	to	to	PART
cblr-9983	1103	27	be	be	AUX
cblr-9983	1103	28	necessary	necessary	ADJ
cblr-9983	1103	29	or	or	CCONJ
cblr-9983	1103	30	appropriate	appropriate	ADJ
cblr-9983	1103	31	in	in	ADP
cblr-9983	1103	32	light	light	NOUN
cblr-9983	1103	33	of	of	ADP
cblr-9983	1103	34	the	the	DET
cblr-9983	1103	35	particular	particular	ADJ
cblr-9983	1103	36	circumstances	circumstance	NOUN
cblr-9983	1103	37	of	of	ADP
cblr-9983	1103	38	the	the	DET
cblr-9983	1103	39	banking	banking	NOUN
cblr-9983	1103	40	institution	institution	NOUN
cblr-9983	1103	41	.	.	PUNCT
cblr-9983	1104	1	”182	”182	PROPN
cblr-9983	1104	2	should	should	AUX
cblr-9983	1104	3	a	a	DET
cblr-9983	1104	4	bank	bank	NOUN
cblr-9983	1104	5	nonetheless	nonetheless	ADV
cblr-9983	1104	6	,	,	PUNCT
cblr-9983	1104	7	for	for	ADP
cblr-9983	1104	8	example	example	NOUN
cblr-9983	1104	9	,	,	PUNCT
cblr-9983	1104	10	declare	declare	VERB
cblr-9983	1104	11	and	and	CCONJ
cblr-9983	1104	12	distribute	distribute	VERB
cblr-9983	1104	13	dividends	dividend	NOUN
cblr-9983	1104	14	that	that	PRON
cblr-9983	1104	15	would	would	AUX
cblr-9983	1104	16	bring	bring	VERB
cblr-9983	1104	17	it	it	PRON
cblr-9983	1104	18	below	below	ADP
cblr-9983	1104	19	the	the	DET
cblr-9983	1104	20	minimum	minimum	ADJ
cblr-9983	1104	21	level	level	NOUN
cblr-9983	1104	22	determined	determine	VERB
cblr-9983	1104	23	by	by	ADP
cblr-9983	1104	24	the	the	DET
cblr-9983	1104	25	federal	federal	PROPN
cblr-9983	1104	26	reserve	reserve	PROPN
cblr-9983	1104	27	,	,	PUNCT
cblr-9983	1104	28	the	the	DET
cblr-9983	1104	29	board	board	NOUN
cblr-9983	1104	30	could	could	AUX
cblr-9983	1104	31	issue	issue	VERB
cblr-9983	1104	32	either	either	CCONJ
cblr-9983	1104	33	a	a	DET
cblr-9983	1104	34	capital	capital	NOUN
cblr-9983	1104	35	directive183	directive183	PROPN
cblr-9983	1104	36	or	or	CCONJ
cblr-9983	1104	37	a	a	DET
cblr-9983	1104	38	cease	cease	VERB
cblr-9983	1104	39	-	-	PUNCT
cblr-9983	1104	40	and	and	CCONJ
cblr-9983	1104	41	-	-	PUNCT
cblr-9983	1104	42	desist	desist	VERB
cblr-9983	1104	43	order	order	NOUN
cblr-9983	1104	44	.	.	PUNCT
cblr-9983	1105	1	182	182	NUM
cblr-9983	1105	2	12	12	NUM
cblr-9983	1105	3	u.s.c	u.s.c	NOUN
cblr-9983	1105	4	.	.	PUNCT
cblr-9983	1106	1	§	§	PROPN
cblr-9983	1106	2	3907(a)(1	3907(a)(1	NUM
cblr-9983	1106	3	)	)	PUNCT
cblr-9983	1106	4	(	(	PUNCT
cblr-9983	1106	5	2018	2018	NUM
cblr-9983	1106	6	)	)	PUNCT
cblr-9983	1106	7	.	.	PUNCT
cblr-9983	1107	1	183	183	NUM
cblr-9983	1107	2	there	there	PRON
cblr-9983	1107	3	could	could	AUX
cblr-9983	1107	4	be	be	AUX
cblr-9983	1107	5	a	a	DET
cblr-9983	1107	6	question	question	NOUN
cblr-9983	1107	7	as	as	ADP
cblr-9983	1107	8	to	to	ADP
cblr-9983	1107	9	whether	whether	SCONJ
cblr-9983	1107	10	banks	bank	NOUN
cblr-9983	1107	11	could	could	AUX
cblr-9983	1107	12	argue	argue	VERB
cblr-9983	1107	13	that	that	SCONJ
cblr-9983	1107	14	the	the	DET
cblr-9983	1107	15	federal	federal	PROPN
cblr-9983	1107	16	reserve	reserve	PROPN
cblr-9983	1107	17	is	be	AUX
cblr-9983	1107	18	precluded	preclude	VERB
cblr-9983	1107	19	from	from	ADP
cblr-9983	1107	20	using	use	VERB
cblr-9983	1107	21	capital	capital	NOUN
cblr-9983	1107	22	directives	directive	NOUN
cblr-9983	1107	23	to	to	PART
cblr-9983	1107	24	enforce	enforce	VERB
cblr-9983	1107	25	ccar	ccar	NOUN
cblr-9983	1107	26	results	result	NOUN
cblr-9983	1107	27	under	under	ADP
cblr-9983	1107	28	the	the	DET
cblr-9983	1107	29	principle	principle	NOUN
cblr-9983	1107	30	enunciated	enunciate	VERB
cblr-9983	1107	31	in	in	ADP
cblr-9983	1107	32	u.s	u.s	PROPN
cblr-9983	1107	33	.	.	PROPN
cblr-9983	1107	34	ex	ex	PROPN
cblr-9983	1107	35	rel	rel	NOUN
cblr-9983	1107	36	.	.	PUNCT
cblr-9983	1108	1	accardi	accardi	VERB
cblr-9983	1108	2	v.	v.	ADP
cblr-9983	1108	3	shaughnessy	shaughnessy	NOUN
cblr-9983	1108	4	that	that	PRON
cblr-9983	1108	5	agencies	agency	NOUN
cblr-9983	1108	6	must	must	AUX
cblr-9983	1108	7	comply	comply	VERB
cblr-9983	1108	8	with	with	ADP
cblr-9983	1108	9	their	their	PRON
cblr-9983	1108	10	own	own	ADJ
cblr-9983	1108	11	regulations	regulation	NOUN
cblr-9983	1108	12	.	.	PUNCT
cblr-9983	1109	1	347	347	NUM
cblr-9983	1109	2	u.s	u.s	PROPN
cblr-9983	1109	3	.	.	PROPN
cblr-9983	1109	4	260	260	NUM
cblr-9983	1109	5	,	,	PUNCT
cblr-9983	1109	6	267	267	NUM
cblr-9983	1109	7	(	(	PUNCT
cblr-9983	1109	8	1954	1954	NUM
cblr-9983	1109	9	)	)	PUNCT
cblr-9983	1109	10	.	.	PUNCT
cblr-9983	1110	1	the	the	DET
cblr-9983	1110	2	federal	federal	PROPN
cblr-9983	1110	3	reserve	reserve	PROPN
cblr-9983	1110	4	’s	’s	PART
cblr-9983	1110	5	current	current	ADJ
cblr-9983	1110	6	procedural	procedural	ADJ
cblr-9983	1110	7	regulation	regulation	NOUN
cblr-9983	1110	8	for	for	ADP
cblr-9983	1110	9	issuing	issue	VERB
cblr-9983	1110	10	capital	capital	NOUN
cblr-9983	1110	11	directives	directive	NOUN
cblr-9983	1110	12	,	,	PUNCT
cblr-9983	1110	13	12	12	NUM
cblr-9983	1110	14	c.f.r	c.f.r	NOUN
cblr-9983	1110	15	.	.	PUNCT
cblr-9983	1111	1	§	§	PROPN
cblr-9983	1111	2	§	§	PROPN
cblr-9983	1111	3	263.80–263.85	263.80–263.85	PROPN
cblr-9983	1111	4	(	(	PUNCT
cblr-9983	1111	5	2021	2021	NUM
cblr-9983	1111	6	)	)	PUNCT
cblr-9983	1111	7	,	,	PUNCT
cblr-9983	1111	8	includes	include	VERB
cblr-9983	1111	9	some	some	DET
cblr-9983	1111	10	steps	step	NOUN
cblr-9983	1111	11	not	not	PART
cblr-9983	1111	12	currently	currently	ADV
cblr-9983	1111	13	followed	follow	VERB
cblr-9983	1111	14	in	in	ADP
cblr-9983	1111	15	the	the	DET
cblr-9983	1111	16	original	original	ADJ
cblr-9983	1111	17	ccar	ccar	NOUN
cblr-9983	1111	18	program	program	NOUN
cblr-9983	1111	19	and	and	CCONJ
cblr-9983	1111	20	the	the	DET
cblr-9983	1111	21	current	current	ADJ
cblr-9983	1111	22	approach	approach	NOUN
cblr-9983	1111	23	of	of	ADP
cblr-9983	1111	24	stress	stress	ADJ
cblr-9983	1111	25	capital	capital	NOUN
cblr-9983	1111	26	buffers	buffer	NOUN
cblr-9983	1111	27	.	.	PUNCT
cblr-9983	1112	1	see	see	VERB
cblr-9983	1112	2	edward	edward	PROPN
cblr-9983	1112	3	stein	stein	PROPN
cblr-9983	1112	4	,	,	PUNCT
cblr-9983	1112	5	stress	stress	NOUN
cblr-9983	1112	6	testbased	testbase	VERB
cblr-9983	1112	7	capital	capital	NOUN
cblr-9983	1112	8	directives	directive	NOUN
cblr-9983	1112	9	(	(	PUNCT
cblr-9983	1112	10	apr	apr	PROPN
cblr-9983	1112	11	.	.	PROPN
cblr-9983	1112	12	26	26	NUM
cblr-9983	1112	13	,	,	PUNCT
cblr-9983	1112	14	2018	2018	NUM
cblr-9983	1112	15	)	)	PUNCT
cblr-9983	1112	16	(	(	PUNCT
cblr-9983	1112	17	unpublished	unpublished	ADJ
cblr-9983	1112	18	manuscript	manuscript	NOUN
cblr-9983	1112	19	)	)	PUNCT
cblr-9983	1112	20	(	(	PUNCT
cblr-9983	1112	21	on	on	ADP
cblr-9983	1112	22	file	file	NOUN
cblr-9983	1112	23	with	with	ADP
cblr-9983	1112	24	the	the	DET
cblr-9983	1112	25	columbia	columbia	PROPN
cblr-9983	1112	26	business	business	PROPN
cblr-9983	1112	27	law	law	PROPN
cblr-9983	1112	28	review	review	PROPN
cblr-9983	1112	29	)	)	PUNCT
cblr-9983	1112	30	.	.	PUNCT
cblr-9983	1113	1	indeed	indeed	ADV
cblr-9983	1113	2	,	,	PUNCT
cblr-9983	1113	3	it	it	PRON
cblr-9983	1113	4	may	may	AUX
cblr-9983	1113	5	be	be	AUX
cblr-9983	1113	6	prudent	prudent	ADJ
cblr-9983	1113	7	for	for	SCONJ
cblr-9983	1113	8	the	the	DET
cblr-9983	1113	9	federal	federal	PROPN
cblr-9983	1113	10	reserve	reserve	PROPN
cblr-9983	1113	11	to	to	PART
cblr-9983	1113	12	amend	amend	VERB
cblr-9983	1113	13	this	this	DET
cblr-9983	1113	14	regulation	regulation	NOUN
cblr-9983	1113	15	to	to	PART
cblr-9983	1113	16	more	more	ADV
cblr-9983	1113	17	explicitly	explicitly	ADV
cblr-9983	1113	18	integrate	integrate	VERB
cblr-9983	1113	19	it	it	PRON
cblr-9983	1113	20	with	with	ADP
cblr-9983	1113	21	the	the	DET
cblr-9983	1113	22	elaborate	elaborate	ADJ
cblr-9983	1113	23	capital	capital	NOUN
cblr-9983	1113	24	planning	planning	NOUN
cblr-9983	1113	25	requirements	requirement	NOUN
cblr-9983	1113	26	it	it	PRON
cblr-9983	1113	27	has	have	AUX
cblr-9983	1113	28	subsequently	subsequently	ADV
cblr-9983	1113	29	put	put	VERB
cblr-9983	1113	30	in	in	ADP
cblr-9983	1113	31	place	place	NOUN
cblr-9983	1113	32	.	.	PUNCT
cblr-9983	1114	1	however	however	ADV
cblr-9983	1114	2	,	,	PUNCT
cblr-9983	1114	3	even	even	ADV
cblr-9983	1114	4	without	without	ADP
cblr-9983	1114	5	such	such	DET
cblr-9983	1114	6	an	an	DET
cblr-9983	1114	7	amendment	amendment	NOUN
cblr-9983	1114	8	,	,	PUNCT
cblr-9983	1114	9	there	there	PRON
cblr-9983	1114	10	would	would	AUX
cblr-9983	1114	11	be	be	AUX
cblr-9983	1114	12	nothing	nothing	PRON
cblr-9983	1114	13	to	to	PART
cblr-9983	1114	14	stop	stop	VERB
cblr-9983	1114	15	the	the	DET
cblr-9983	1114	16	federal	federal	PROPN
cblr-9983	1114	17	reserve	reserve	NOUN
cblr-9983	1114	18	from	from	ADP
cblr-9983	1114	19	following	follow	VERB
cblr-9983	1114	20	its	its	PRON
cblr-9983	1114	21	current	current	ADJ
cblr-9983	1114	22	regulation	regulation	NOUN
cblr-9983	1114	23	should	should	AUX
cblr-9983	1114	24	a	a	DET
cblr-9983	1114	25	bank	bank	NOUN
cblr-9983	1114	26	deviate	deviate	NOUN
cblr-9983	1114	27	from	from	ADP
cblr-9983	1114	28	a	a	DET
cblr-9983	1114	29	capital	capital	NOUN
cblr-9983	1114	30	plan	plan	NOUN
cblr-9983	1114	31	to	to	PART
cblr-9983	1114	32	which	which	PRON
cblr-9983	1114	33	the	the	DET
cblr-9983	1114	34	agency	agency	NOUN
cblr-9983	1114	35	has	have	AUX
cblr-9983	1114	36	not	not	PART
cblr-9983	1114	37	objected	object	VERB
cblr-9983	1114	38	.	.	PUNCT
cblr-9983	1115	1	that	that	PRON
cblr-9983	1115	2	is	is	ADV
cblr-9983	1115	3	,	,	PUNCT
cblr-9983	1115	4	it	it	PRON
cblr-9983	1115	5	can	can	AUX
cblr-9983	1115	6	reasonably	reasonably	ADV
cblr-9983	1115	7	argue	argue	VERB
cblr-9983	1115	8	that	that	SCONJ
cblr-9983	1115	9	the	the	DET
cblr-9983	1115	10	bank	bank	NOUN
cblr-9983	1115	11	-	-	PUNCT
cblr-9983	1115	12	specific	specific	ADJ
cblr-9983	1115	13	capital	capital	NOUN
cblr-9983	1115	14	requirements	requirement	NOUN
cblr-9983	1115	15	are	be	AUX
cblr-9983	1115	16	determined	determine	VERB
cblr-9983	1115	17	using	use	VERB
cblr-9983	1115	18	the	the	DET
cblr-9983	1115	19	stress	stress	NOUN
cblr-9983	1115	20	test	test	NOUN
cblr-9983	1115	21	process	process	NOUN
cblr-9983	1115	22	under	under	ADP
cblr-9983	1115	23	the	the	DET
cblr-9983	1115	24	broad	broad	ADJ
cblr-9983	1115	25	mandate	mandate	NOUN
cblr-9983	1115	26	of	of	ADP
cblr-9983	1115	27	section	section	NOUN
cblr-9983	1115	28	908(a	908(a	NUM
cblr-9983	1115	29	)	)	PUNCT
cblr-9983	1115	30	and	and	CCONJ
cblr-9983	1115	31	that	that	DET
cblr-9983	1115	32	enforcement	enforcement	NOUN
cblr-9983	1115	33	in	in	ADP
cblr-9983	1115	34	the	the	DET
cblr-9983	1115	35	event	event	NOUN
cblr-9983	1115	36	a	a	DET
cblr-9983	1115	37	bank	bank	NOUN
cblr-9983	1115	38	ignores	ignore	VERB
cblr-9983	1115	39	those	those	DET
cblr-9983	1115	40	requirements	requirement	NOUN
cblr-9983	1116	1	no	no	INTJ
cblr-9983	1116	2	.	.	PUNCT
cblr-9983	1117	1	1:279	1:279	NOUN
cblr-9983	1117	2	]	]	X
cblr-9983	1117	3	bank	bank	NOUN
cblr-9983	1117	4	supervision	supervision	NOUN
cblr-9983	1117	5	and	and	CCONJ
cblr-9983	1117	6	administrative	administrative	ADJ
cblr-9983	1117	7	law	law	NOUN
cblr-9983	1117	8	339	339	NUM
cblr-9983	1117	9	the	the	DET
cblr-9983	1117	10	judicial	judicial	ADJ
cblr-9983	1117	11	review	review	NOUN
cblr-9983	1117	12	normally	normally	ADV
cblr-9983	1117	13	attending	attend	VERB
cblr-9983	1117	14	cease	cease	NOUN
cblr-9983	1117	15	-	-	PUNCT
cblr-9983	1117	16	and	and	CCONJ
cblr-9983	1117	17	-	-	PUNCT
cblr-9983	1117	18	desist	desist	NOUN
cblr-9983	1117	19	orders	order	NOUN
cblr-9983	1117	20	has	have	AUX
cblr-9983	1117	21	not	not	PART
cblr-9983	1117	22	been	be	AUX
cblr-9983	1117	23	available	available	ADJ
cblr-9983	1117	24	for	for	ADP
cblr-9983	1117	25	capital	capital	NOUN
cblr-9983	1117	26	requirements	requirement	NOUN
cblr-9983	1117	27	following	follow	VERB
cblr-9983	1117	28	enactment	enactment	NOUN
cblr-9983	1117	29	of	of	ADP
cblr-9983	1117	30	ilsa	ilsa	PROPN
cblr-9983	1117	31	.	.	PUNCT
cblr-9983	1118	1	the	the	DET
cblr-9983	1118	2	tenth	tenth	ADJ
cblr-9983	1118	3	circuit	circuit	NOUN
cblr-9983	1118	4	squarely	squarely	ADV
cblr-9983	1118	5	rejected	reject	VERB
cblr-9983	1118	6	a	a	DET
cblr-9983	1118	7	bank	bank	NOUN
cblr-9983	1118	8	challenge	challenge	NOUN
cblr-9983	1118	9	to	to	ADP
cblr-9983	1118	10	a	a	DET
cblr-9983	1118	11	cease	cease	VERB
cblr-9983	1118	12	-	-	PUNCT
cblr-9983	1118	13	and	and	CCONJ
cblr-9983	1118	14	-	-	PUNCT
cblr-9983	1118	15	desist	desist	VERB
cblr-9983	1118	16	order	order	NOUN
cblr-9983	1118	17	for	for	ADP
cblr-9983	1118	18	increased	increase	VERB
cblr-9983	1118	19	capital	capital	NOUN
cblr-9983	1118	20	on	on	ADP
cblr-9983	1118	21	the	the	DET
cblr-9983	1118	22	ground	ground	NOUN
cblr-9983	1118	23	that	that	SCONJ
cblr-9983	1118	24	the	the	DET
cblr-9983	1118	25	“	"	PUNCT
cblr-9983	1118	26	in	in	ADP
cblr-9983	1118	27	its	its	PRON
cblr-9983	1118	28	discretion	discretion	NOUN
cblr-9983	1118	29	”	"	PUNCT
cblr-9983	1118	30	language	language	NOUN
cblr-9983	1118	31	applied	apply	VERB
cblr-9983	1118	32	only	only	ADV
cblr-9983	1118	33	to	to	ADP
cblr-9983	1118	34	capital	capital	NOUN
cblr-9983	1118	35	directives.184	directives.184	ADP
cblr-9983	1118	36	the	the	DET
cblr-9983	1118	37	court	court	NOUN
cblr-9983	1118	38	reasoned	reason	VERB
cblr-9983	1118	39	that	that	SCONJ
cblr-9983	1118	40	section	section	NOUN
cblr-9983	1118	41	908	908	NUM
cblr-9983	1118	42	“	"	PUNCT
cblr-9983	1118	43	forecloses	foreclose	NOUN
cblr-9983	1118	44	”	"	PUNCT
cblr-9983	1118	45	review	review	NOUN
cblr-9983	1118	46	of	of	ADP
cblr-9983	1118	47	agency	agency	NOUN
cblr-9983	1118	48	“	"	PUNCT
cblr-9983	1118	49	imposition	imposition	NOUN
cblr-9983	1118	50	of	of	ADP
cblr-9983	1118	51	capital	capital	NOUN
cblr-9983	1118	52	requirements	requirement	NOUN
cblr-9983	1118	53	because	because	SCONJ
cblr-9983	1118	54	it	it	PRON
cblr-9983	1118	55	commits	commit	VERB
cblr-9983	1118	56	the	the	DET
cblr-9983	1118	57	setting	setting	NOUN
cblr-9983	1118	58	of	of	ADP
cblr-9983	1118	59	capital	capital	NOUN
cblr-9983	1118	60	levels	level	NOUN
cblr-9983	1118	61	to	to	ADP
cblr-9983	1118	62	[	[	X
cblr-9983	1118	63	agency	agency	NOUN
cblr-9983	1118	64	]	]	PUNCT
cblr-9983	1118	65	discretion	discretion	NOUN
cblr-9983	1118	66	without	without	ADP
cblr-9983	1118	67	giving	give	VERB
cblr-9983	1118	68	us	we	PRON
cblr-9983	1118	69	any	any	DET
cblr-9983	1118	70	standard	standard	NOUN
cblr-9983	1118	71	to	to	PART
cblr-9983	1118	72	determine	determine	VERB
cblr-9983	1118	73	the	the	DET
cblr-9983	1118	74	correctness	correctness	NOUN
cblr-9983	1118	75	of	of	ADP
cblr-9983	1118	76	the	the	DET
cblr-9983	1118	77	[	[	X
cblr-9983	1118	78	agency	agency	NOUN
cblr-9983	1118	79	]	]	PUNCT
cblr-9983	1118	80	decision	decision	NOUN
cblr-9983	1118	81	.	.	PUNCT
cblr-9983	1118	82	”185	”185	PUNCT
cblr-9983	1119	1	the	the	DET
cblr-9983	1119	2	stress	stress	NOUN
cblr-9983	1119	3	test	test	NOUN
cblr-9983	1119	4	and	and	CCONJ
cblr-9983	1119	5	associated	associate	VERB
cblr-9983	1119	6	capital	capital	NOUN
cblr-9983	1119	7	requirements	requirement	NOUN
cblr-9983	1119	8	can	can	AUX
cblr-9983	1119	9	thus	thus	ADV
cblr-9983	1119	10	be	be	AUX
cblr-9983	1119	11	understood	understand	VERB
cblr-9983	1119	12	as	as	ADP
cblr-9983	1119	13	an	an	DET
cblr-9983	1119	14	exercise	exercise	NOUN
cblr-9983	1119	15	of	of	ADP
cblr-9983	1119	16	the	the	DET
cblr-9983	1119	17	essentially	essentially	ADV
cblr-9983	1119	18	unreviewable	unreviewable	ADJ
cblr-9983	1119	19	discretion	discretion	NOUN
cblr-9983	1119	20	granted	grant	VERB
cblr-9983	1119	21	the	the	DET
cblr-9983	1119	22	federal	federal	PROPN
cblr-9983	1119	23	reserve	reserve	PROPN
cblr-9983	1119	24	to	to	PART
cblr-9983	1119	25	set	set	VERB
cblr-9983	1119	26	capital	capital	NOUN
cblr-9983	1119	27	requirements	requirement	NOUN
cblr-9983	1119	28	for	for	ADP
cblr-9983	1119	29	each	each	DET
cblr-9983	1119	30	banking	banking	NOUN
cblr-9983	1119	31	organization	organization	NOUN
cblr-9983	1119	32	it	it	PRON
cblr-9983	1119	33	supervises	supervise	VERB
cblr-9983	1119	34	,	,	PUNCT
cblr-9983	1119	35	based	base	VERB
cblr-9983	1119	36	on	on	ADP
cblr-9983	1119	37	its	its	PRON
cblr-9983	1119	38	assessment	assessment	NOUN
cblr-9983	1119	39	of	of	ADP
cblr-9983	1119	40	the	the	DET
cblr-9983	1119	41	risks	risk	NOUN
cblr-9983	1119	42	faced	face	VERB
cblr-9983	1119	43	by	by	ADP
cblr-9983	1119	44	that	that	DET
cblr-9983	1119	45	bank	bank	NOUN
cblr-9983	1119	46	.	.	PUNCT
cblr-9983	1120	1	based	base	VERB
cblr-9983	1120	2	on	on	ADP
cblr-9983	1120	3	section	section	NOUN
cblr-9983	1120	4	908	908	NUM
cblr-9983	1120	5	alone	alone	ADV
cblr-9983	1120	6	,	,	PUNCT
cblr-9983	1120	7	against	against	ADP
cblr-9983	1120	8	the	the	DET
cblr-9983	1120	9	backdrop	backdrop	NOUN
cblr-9983	1120	10	of	of	ADP
cblr-9983	1120	11	dodd	dodd	PROPN
cblr-9983	1120	12	-	-	PUNCT
cblr-9983	1120	13	frank	frank	PROPN
cblr-9983	1120	14	section	section	NOUN
cblr-9983	1120	15	165	165	NUM
cblr-9983	1120	16	,	,	PUNCT
cblr-9983	1120	17	the	the	DET
cblr-9983	1120	18	federal	federal	PROPN
cblr-9983	1120	19	reserve	reserve	PROPN
cblr-9983	1120	20	has	have	VERB
cblr-9983	1120	21	authority	authority	NOUN
cblr-9983	1120	22	simply	simply	ADV
cblr-9983	1120	23	to	to	PART
cblr-9983	1120	24	announce	announce	VERB
cblr-9983	1120	25	to	to	ADP
cblr-9983	1120	26	each	each	PRON
cblr-9983	1120	27	of	of	ADP
cblr-9983	1120	28	the	the	DET
cblr-9983	1120	29	covered	cover	VERB
cblr-9983	1120	30	banks	bank	NOUN
cblr-9983	1120	31	what	what	PRON
cblr-9983	1120	32	its	its	PRON
cblr-9983	1120	33	capital	capital	NOUN
cblr-9983	1120	34	requirement	requirement	NOUN
cblr-9983	1120	35	will	will	AUX
cblr-9983	1120	36	be	be	AUX
cblr-9983	1120	37	.	.	PUNCT
cblr-9983	1121	1	seen	see	VERB
cblr-9983	1121	2	through	through	ADP
cblr-9983	1121	3	this	this	DET
cblr-9983	1121	4	lens	len	NOUN
cblr-9983	1121	5	,	,	PUNCT
cblr-9983	1121	6	the	the	DET
cblr-9983	1121	7	elaborate	elaborate	ADJ
cblr-9983	1121	8	apparatus	apparatus	NOUN
cblr-9983	1121	9	for	for	ADP
cblr-9983	1121	10	developing	develop	VERB
cblr-9983	1121	11	,	,	PUNCT
cblr-9983	1121	12	validating	validate	VERB
cblr-9983	1121	13	,	,	PUNCT
cblr-9983	1121	14	and	and	CCONJ
cblr-9983	1121	15	applying	apply	VERB
cblr-9983	1121	16	the	the	DET
cblr-9983	1121	17	stress	stress	NOUN
cblr-9983	1121	18	test	test	NOUN
cblr-9983	1121	19	to	to	ADP
cblr-9983	1121	20	the	the	DET
cblr-9983	1121	21	large	large	ADJ
cblr-9983	1121	22	banks	bank	NOUN
cblr-9983	1121	23	that	that	PRON
cblr-9983	1121	24	meet	meet	VERB
cblr-9983	1121	25	the	the	DET
cblr-9983	1121	26	criterion	criterion	NOUN
cblr-9983	1121	27	for	for	ADP
cblr-9983	1121	28	systemic	systemic	ADJ
cblr-9983	1121	29	importance	importance	NOUN
cblr-9983	1121	30	established	establish	VERB
cblr-9983	1121	31	by	by	ADP
cblr-9983	1121	32	congress	congress	PROPN
cblr-9983	1121	33	is	be	AUX
cblr-9983	1121	34	a	a	DET
cblr-9983	1121	35	considerably	considerably	ADV
cblr-9983	1121	36	more	more	ADV
cblr-9983	1121	37	structured	structured	ADJ
cblr-9983	1121	38	and	and	CCONJ
cblr-9983	1121	39	self	self	NOUN
cblr-9983	1121	40	-	-	PUNCT
cblr-9983	1121	41	disciplining	discipline	VERB
cblr-9983	1121	42	mechanism	mechanism	NOUN
cblr-9983	1121	43	than	than	SCONJ
cblr-9983	1121	44	the	the	DET
cblr-9983	1121	45	law	law	NOUN
cblr-9983	1121	46	requires	require	VERB
cblr-9983	1121	47	.	.	PUNCT
cblr-9983	1122	1	these	these	DET
cblr-9983	1122	2	practices	practice	NOUN
cblr-9983	1122	3	make	make	VERB
cblr-9983	1122	4	for	for	ADP
cblr-9983	1122	5	better	well	ADJ
cblr-9983	1122	6	policy	policy	NOUN
cblr-9983	1122	7	.	.	PUNCT
cblr-9983	1123	1	however	however	ADV
cblr-9983	1123	2	,	,	PUNCT
cblr-9983	1123	3	they	they	PRON
cblr-9983	1123	4	,	,	PUNCT
cblr-9983	1123	5	much	much	ADV
cblr-9983	1123	6	less	less	ADV
cblr-9983	1123	7	the	the	DET
cblr-9983	1123	8	enervating	enervate	VERB
cblr-9983	1123	9	steps	step	NOUN
cblr-9983	1123	10	of	of	ADP
cblr-9983	1123	11	disclosing	disclose	VERB
cblr-9983	1123	12	the	the	DET
cblr-9983	1123	13	model	model	NOUN
cblr-9983	1123	14	code	code	NOUN
cblr-9983	1123	15	or	or	CCONJ
cblr-9983	1123	16	delaying	delay	VERB
cblr-9983	1123	17	scenario	scenario	NOUN
cblr-9983	1123	18	design	design	NOUN
cblr-9983	1123	19	for	for	ADP
cblr-9983	1123	20	notice	notice	NOUN
cblr-9983	1123	21	-	-	PUNCT
cblr-9983	1123	22	and	and	CCONJ
cblr-9983	1123	23	-	-	PUNCT
cblr-9983	1123	24	comment	comment	NOUN
cblr-9983	1123	25	,	,	PUNCT
cblr-9983	1123	26	are	be	AUX
cblr-9983	1123	27	not	not	PART
cblr-9983	1123	28	legally	legally	ADV
cblr-9983	1123	29	mandated	mandate	VERB
cblr-9983	1123	30	.	.	PUNCT
cblr-9983	1124	1	is	be	AUX
cblr-9983	1124	2	a	a	DET
cblr-9983	1124	3	separate	separate	ADJ
cblr-9983	1124	4	matter	matter	NOUN
cblr-9983	1124	5	under	under	ADP
cblr-9983	1124	6	section	section	NOUN
cblr-9983	1124	7	908(b	908(b	PROPN
cblr-9983	1124	8	)	)	PUNCT
cblr-9983	1124	9	.	.	PUNCT
cblr-9983	1125	1	see	see	VERB
cblr-9983	1125	2	international	international	ADJ
cblr-9983	1125	3	lending	lending	NOUN
cblr-9983	1125	4	supervision	supervision	NOUN
cblr-9983	1125	5	act	act	NOUN
cblr-9983	1125	6	of	of	ADP
cblr-9983	1125	7	1983	1983	NUM
cblr-9983	1125	8	§	§	PROPN
cblr-9983	1125	9	908	908	NUM
cblr-9983	1125	10	,	,	PUNCT
cblr-9983	1125	11	12	12	NUM
cblr-9983	1125	12	u.s.c	u.s.c	ADJ
cblr-9983	1125	13	.	.	PUNCT
cblr-9983	1126	1	§	§	PROPN
cblr-9983	1126	2	3907	3907	NUM
cblr-9983	1126	3	.	.	PUNCT
cblr-9983	1127	1	the	the	DET
cblr-9983	1127	2	procedures	procedure	NOUN
cblr-9983	1127	3	contemplated	contemplate	VERB
cblr-9983	1127	4	in	in	ADP
cblr-9983	1127	5	the	the	DET
cblr-9983	1127	6	regulation	regulation	NOUN
cblr-9983	1127	7	could	could	AUX
cblr-9983	1127	8	be	be	AUX
cblr-9983	1127	9	somewhat	somewhat	ADV
cblr-9983	1127	10	cumbersome	cumbersome	ADJ
cblr-9983	1127	11	for	for	ADP
cblr-9983	1127	12	the	the	DET
cblr-9983	1127	13	federal	federal	PROPN
cblr-9983	1127	14	reserve	reserve	PROPN
cblr-9983	1127	15	,	,	PUNCT
cblr-9983	1127	16	but	but	CCONJ
cblr-9983	1127	17	they	they	PRON
cblr-9983	1127	18	could	could	AUX
cblr-9983	1127	19	still	still	ADV
cblr-9983	1127	20	be	be	AUX
cblr-9983	1127	21	followed	follow	VERB
cblr-9983	1127	22	.	.	PUNCT
cblr-9983	1128	1	184	184	NUM
cblr-9983	1128	2	frontier	frontier	NOUN
cblr-9983	1128	3	state	state	PROPN
cblr-9983	1128	4	bank	bank	PROPN
cblr-9983	1128	5	oklahoma	oklahoma	PROPN
cblr-9983	1128	6	city	city	PROPN
cblr-9983	1128	7	v.	v.	PROPN
cblr-9983	1128	8	fed	fed	PROPN
cblr-9983	1128	9	.	.	PUNCT
cblr-9983	1129	1	deposit	deposit	PROPN
cblr-9983	1129	2	ins	ins	PROPN
cblr-9983	1129	3	.	.	PUNCT
cblr-9983	1129	4	corp	corp	PROPN
cblr-9983	1129	5	.	.	PROPN
cblr-9983	1129	6	,	,	PUNCT
cblr-9983	1129	7	702	702	NUM
cblr-9983	1129	8	f.3d	f.3d	NUM
cblr-9983	1129	9	588	588	NUM
cblr-9983	1129	10	,	,	PUNCT
cblr-9983	1129	11	594	594	NUM
cblr-9983	1129	12	(	(	PUNCT
cblr-9983	1129	13	10th	10th	ADJ
cblr-9983	1129	14	cir	cir	NOUN
cblr-9983	1129	15	.	.	PROPN
cblr-9983	1129	16	2012	2012	NUM
cblr-9983	1129	17	)	)	PUNCT
cblr-9983	1129	18	.	.	PUNCT
cblr-9983	1130	1	185	185	NUM
cblr-9983	1131	1	i	i	PRON
cblr-9983	1131	2	d.	d.	PROPN
cblr-9983	1131	3	at	at	ADP
cblr-9983	1131	4	597	597	NUM
cblr-9983	1131	5	.	.	PUNCT
cblr-9983	1132	1	the	the	DET
cblr-9983	1132	2	court	court	NOUN
cblr-9983	1132	3	further	far	ADV
cblr-9983	1132	4	noted	note	VERB
cblr-9983	1132	5	that	that	SCONJ
cblr-9983	1132	6	“	"	PUNCT
cblr-9983	1132	7	[	[	X
cblr-9983	1132	8	w]hile	w]hile	ADP
cblr-9983	1132	9	this	this	DET
cblr-9983	1132	10	choice	choice	NOUN
cblr-9983	1132	11	leaves	leave	VERB
cblr-9983	1132	12	banks	bank	NOUN
cblr-9983	1132	13	in	in	ADP
cblr-9983	1132	14	the	the	DET
cblr-9983	1132	15	position	position	NOUN
cblr-9983	1132	16	of	of	ADP
cblr-9983	1132	17	enduring	endure	VERB
cblr-9983	1132	18	any	any	DET
cblr-9983	1132	19	vicissitude	vicissitude	ADJ
cblr-9983	1132	20	attending	attend	VERB
cblr-9983	1132	21	the	the	DET
cblr-9983	1132	22	exercise	exercise	NOUN
cblr-9983	1132	23	of	of	ADP
cblr-9983	1132	24	the	the	DET
cblr-9983	1132	25	regulator	regulator	NOUN
cblr-9983	1132	26	’s	’s	PART
cblr-9983	1132	27	discretion	discretion	NOUN
cblr-9983	1132	28	,	,	PUNCT
cblr-9983	1132	29	congress	congress	PROPN
cblr-9983	1132	30	is	be	AUX
cblr-9983	1132	31	permitted	permit	VERB
cblr-9983	1132	32	to	to	PART
cblr-9983	1132	33	prioritize	prioritize	VERB
cblr-9983	1132	34	the	the	DET
cblr-9983	1132	35	safety	safety	NOUN
cblr-9983	1132	36	of	of	ADP
cblr-9983	1132	37	the	the	DET
cblr-9983	1132	38	banking	banking	NOUN
cblr-9983	1132	39	system	system	NOUN
cblr-9983	1132	40	over	over	ADP
cblr-9983	1132	41	banks	bank	NOUN
cblr-9983	1132	42	’	’	PART
cblr-9983	1132	43	interest	interest	NOUN
cblr-9983	1132	44	in	in	ADP
cblr-9983	1132	45	avoiding	avoid	VERB
cblr-9983	1132	46	subjective	subjective	ADJ
cblr-9983	1132	47	or	or	CCONJ
cblr-9983	1132	48	even	even	ADV
cblr-9983	1132	49	harsh	harsh	ADJ
cblr-9983	1132	50	agency	agency	NOUN
cblr-9983	1132	51	decisions	decision	NOUN
cblr-9983	1132	52	.	.	PUNCT
cblr-9983	1132	53	”	"	PUNCT
cblr-9983	1133	1	i	i	PRON
cblr-9983	1133	2	d.	d.	PROPN
cblr-9983	1133	3	340	340	NUM
cblr-9983	1133	4	columbia	columbia	PROPN
cblr-9983	1133	5	business	business	NOUN
cblr-9983	1133	6	law	law	PROPN
cblr-9983	1133	7	review	review	NOUN
cblr-9983	1133	8	[	[	X
cblr-9983	1133	9	vol	vol	NOUN
cblr-9983	1133	10	.	.	PUNCT
cblr-9983	1133	11	2022	2022	NUM
cblr-9983	1133	12	b.	b.	NOUN
cblr-9983	1133	13	supervisory	supervisory	ADJ
cblr-9983	1133	14	ratings	rating	NOUN
cblr-9983	1133	15	as	as	SCONJ
cblr-9983	1133	16	described	describe	VERB
cblr-9983	1133	17	in	in	ADP
cblr-9983	1133	18	part	part	PROPN
cblr-9983	1133	19	ii	ii	PROPN
cblr-9983	1133	20	,	,	PUNCT
cblr-9983	1133	21	the	the	DET
cblr-9983	1133	22	assignment	assignment	NOUN
cblr-9983	1133	23	of	of	ADP
cblr-9983	1133	24	ratings	rating	NOUN
cblr-9983	1133	25	to	to	ADP
cblr-9983	1133	26	banks	bank	NOUN
cblr-9983	1133	27	every	every	DET
cblr-9983	1133	28	twelve	twelve	NUM
cblr-9983	1133	29	or	or	CCONJ
cblr-9983	1133	30	eighteen	eighteen	NUM
cblr-9983	1133	31	months	month	NOUN
cblr-9983	1133	32	is	be	AUX
cblr-9983	1133	33	central	central	ADJ
cblr-9983	1133	34	to	to	ADP
cblr-9983	1133	35	the	the	DET
cblr-9983	1133	36	supervisory	supervisory	ADJ
cblr-9983	1133	37	function	function	NOUN
cblr-9983	1133	38	,	,	PUNCT
cblr-9983	1133	39	carrying	carry	VERB
cblr-9983	1133	40	both	both	CCONJ
cblr-9983	1133	41	supervisory	supervisory	ADJ
cblr-9983	1133	42	and	and	CCONJ
cblr-9983	1133	43	regulatory	regulatory	ADJ
cblr-9983	1133	44	consequences	consequence	NOUN
cblr-9983	1133	45	.	.	PUNCT
cblr-9983	1134	1	this	this	PRON
cblr-9983	1134	2	is	be	AUX
cblr-9983	1134	3	especially	especially	ADV
cblr-9983	1134	4	true	true	ADJ
cblr-9983	1134	5	for	for	ADP
cblr-9983	1134	6	all	all	PRON
cblr-9983	1134	7	but	but	SCONJ
cblr-9983	1134	8	the	the	DET
cblr-9983	1134	9	handful	handful	NOUN
cblr-9983	1134	10	of	of	ADP
cblr-9983	1134	11	institutions	institution	NOUN
cblr-9983	1134	12	to	to	PART
cblr-9983	1134	13	which	which	PRON
cblr-9983	1134	14	the	the	DET
cblr-9983	1134	15	agencies	agency	NOUN
cblr-9983	1134	16	have	have	AUX
cblr-9983	1134	17	assigned	assign	VERB
cblr-9983	1134	18	dedicated	dedicated	ADJ
cblr-9983	1134	19	supervisory	supervisory	ADJ
cblr-9983	1134	20	teams	team	NOUN
cblr-9983	1134	21	.	.	PUNCT
cblr-9983	1135	1	for	for	ADP
cblr-9983	1135	2	the	the	DET
cblr-9983	1135	3	supervisors	supervisor	NOUN
cblr-9983	1135	4	of	of	ADP
cblr-9983	1135	5	those	those	DET
cblr-9983	1135	6	thousands	thousand	NOUN
cblr-9983	1135	7	of	of	ADP
cblr-9983	1135	8	banks	bank	NOUN
cblr-9983	1135	9	,	,	PUNCT
cblr-9983	1135	10	the	the	DET
cblr-9983	1135	11	assignment	assignment	NOUN
cblr-9983	1135	12	of	of	ADP
cblr-9983	1135	13	camels	camel	NOUN
cblr-9983	1135	14	ratings	rating	NOUN
cblr-9983	1135	15	follows	follow	VERB
cblr-9983	1135	16	directly	directly	ADV
cblr-9983	1135	17	from	from	ADP
cblr-9983	1135	18	the	the	DET
cblr-9983	1135	19	examination	examination	NOUN
cblr-9983	1135	20	process	process	NOUN
cblr-9983	1135	21	.	.	PUNCT
cblr-9983	1136	1	for	for	ADP
cblr-9983	1136	2	the	the	DET
cblr-9983	1136	3	banking	banking	NOUN
cblr-9983	1136	4	organizations	organization	NOUN
cblr-9983	1136	5	with	with	ADP
cblr-9983	1136	6	dedicated	dedicated	ADJ
cblr-9983	1136	7	supervisory	supervisory	ADJ
cblr-9983	1136	8	teams	team	NOUN
cblr-9983	1136	9	,	,	PUNCT
cblr-9983	1136	10	the	the	DET
cblr-9983	1136	11	assignment	assignment	NOUN
cblr-9983	1136	12	of	of	ADP
cblr-9983	1136	13	ratings	rating	NOUN
cblr-9983	1136	14	is	be	AUX
cblr-9983	1136	15	the	the	DET
cblr-9983	1136	16	occasion	occasion	NOUN
cblr-9983	1136	17	for	for	ADP
cblr-9983	1136	18	reviewing	review	VERB
cblr-9983	1136	19	all	all	DET
cblr-9983	1136	20	the	the	DET
cblr-9983	1136	21	concerns	concern	NOUN
cblr-9983	1136	22	and	and	CCONJ
cblr-9983	1136	23	observations	observation	NOUN
cblr-9983	1136	24	of	of	ADP
cblr-9983	1136	25	the	the	DET
cblr-9983	1136	26	preceding	precede	VERB
cblr-9983	1136	27	year	year	NOUN
cblr-9983	1136	28	.	.	PUNCT
cblr-9983	1137	1	important	important	ADJ
cblr-9983	1137	2	as	as	SCONJ
cblr-9983	1137	3	the	the	DET
cblr-9983	1137	4	ratings	rating	NOUN
cblr-9983	1137	5	process	process	NOUN
cblr-9983	1137	6	may	may	AUX
cblr-9983	1137	7	be	be	AUX
cblr-9983	1137	8	,	,	PUNCT
cblr-9983	1137	9	there	there	PRON
cblr-9983	1137	10	are	be	VERB
cblr-9983	1137	11	few	few	ADJ
cblr-9983	1137	12	administrative	administrative	ADJ
cblr-9983	1137	13	law	law	NOUN
cblr-9983	1137	14	arguments	argument	NOUN
cblr-9983	1137	15	available	available	ADJ
cblr-9983	1137	16	to	to	ADP
cblr-9983	1137	17	banks	bank	NOUN
cblr-9983	1137	18	aggrieved	aggrieve	VERB
cblr-9983	1137	19	by	by	ADP
cblr-9983	1137	20	the	the	DET
cblr-9983	1137	21	ratings	rating	NOUN
cblr-9983	1137	22	they	they	PRON
cblr-9983	1137	23	receive	receive	VERB
cblr-9983	1137	24	.	.	PUNCT
cblr-9983	1138	1	statutory	statutory	ADJ
cblr-9983	1138	2	procedural	procedural	ADJ
cblr-9983	1138	3	requirements	requirement	NOUN
cblr-9983	1138	4	are	be	AUX
cblr-9983	1138	5	minimal	minimal	ADJ
cblr-9983	1138	6	,	,	PUNCT
cblr-9983	1138	7	and	and	CCONJ
cblr-9983	1138	8	judicial	judicial	ADJ
cblr-9983	1138	9	review	review	NOUN
cblr-9983	1138	10	of	of	ADP
cblr-9983	1138	11	the	the	DET
cblr-9983	1138	12	substance	substance	NOUN
cblr-9983	1138	13	of	of	ADP
cblr-9983	1138	14	supervisory	supervisory	ADJ
cblr-9983	1138	15	ratings	rating	NOUN
cblr-9983	1138	16	is	be	AUX
cblr-9983	1138	17	unlikely	unlikely	ADJ
cblr-9983	1138	18	to	to	PART
cblr-9983	1138	19	provide	provide	VERB
cblr-9983	1138	20	meaningful	meaningful	ADJ
cblr-9983	1138	21	relief	relief	NOUN
cblr-9983	1138	22	.	.	PUNCT
cblr-9983	1139	1	in	in	ADP
cblr-9983	1139	2	creating	create	VERB
cblr-9983	1139	3	the	the	DET
cblr-9983	1139	4	ffiec	ffiec	NOUN
cblr-9983	1139	5	,	,	PUNCT
cblr-9983	1139	6	congress	congress	PROPN
cblr-9983	1139	7	required	require	VERB
cblr-9983	1139	8	that	that	SCONJ
cblr-9983	1139	9	the	the	DET
cblr-9983	1139	10	“	"	PUNCT
cblr-9983	1139	11	uniform	uniform	ADJ
cblr-9983	1139	12	principles	principle	NOUN
cblr-9983	1139	13	and	and	CCONJ
cblr-9983	1139	14	standards	standard	NOUN
cblr-9983	1139	15	”	"	PUNCT
cblr-9983	1139	16	for	for	ADP
cblr-9983	1139	17	examination	examination	NOUN
cblr-9983	1139	18	of	of	ADP
cblr-9983	1139	19	depository	depository	NOUN
cblr-9983	1139	20	institutions	institution	NOUN
cblr-9983	1139	21	“	"	PUNCT
cblr-9983	1139	22	shall	shall	AUX
cblr-9983	1139	23	be	be	AUX
cblr-9983	1139	24	applied	apply	VERB
cblr-9983	1139	25	”	"	PUNCT
cblr-9983	1139	26	by	by	ADP
cblr-9983	1139	27	the	the	DET
cblr-9983	1139	28	banking	banking	NOUN
cblr-9983	1139	29	agencies.186	agencies.186	X
cblr-9983	1139	30	it	it	PRON
cblr-9983	1139	31	has	have	AUX
cblr-9983	1139	32	also	also	ADV
cblr-9983	1139	33	implicitly	implicitly	ADV
cblr-9983	1139	34	required	require	VERB
cblr-9983	1139	35	the	the	DET
cblr-9983	1139	36	federal	federal	PROPN
cblr-9983	1139	37	reserve	reserve	PROPN
cblr-9983	1139	38	to	to	PART
cblr-9983	1139	39	assign	assign	VERB
cblr-9983	1139	40	ratings	rating	NOUN
cblr-9983	1139	41	to	to	ADP
cblr-9983	1139	42	bank	bank	NOUN
cblr-9983	1139	43	holding	hold	VERB
cblr-9983	1139	44	companies	company	NOUN
cblr-9983	1139	45	by	by	ADP
cblr-9983	1139	46	conditioning	condition	VERB
cblr-9983	1139	47	“	"	PUNCT
cblr-9983	1139	48	financial	financial	ADJ
cblr-9983	1139	49	”	"	PUNCT
cblr-9983	1139	50	holding	hold	VERB
cblr-9983	1139	51	company	company	NOUN
cblr-9983	1139	52	status	status	NOUN
cblr-9983	1139	53	on	on	ADP
cblr-9983	1139	54	the	the	DET
cblr-9983	1139	55	holding	hold	VERB
cblr-9983	1139	56	companies	company	NOUN
cblr-9983	1139	57	,	,	PUNCT
cblr-9983	1139	58	as	as	ADV
cblr-9983	1139	59	well	well	ADV
cblr-9983	1139	60	as	as	ADP
cblr-9983	1139	61	their	their	PRON
cblr-9983	1139	62	insured	insured	ADJ
cblr-9983	1139	63	depository	depository	NOUN
cblr-9983	1139	64	subsidiaries	subsidiary	NOUN
cblr-9983	1139	65	,	,	PUNCT
cblr-9983	1139	66	being	be	AUX
cblr-9983	1139	67	well	well	ADV
cblr-9983	1139	68	-	-	PUNCT
cblr-9983	1139	69	capitalized	capitalize	VERB
cblr-9983	1139	70	and	and	CCONJ
cblr-9983	1139	71	well	well	ADV
cblr-9983	1139	72	-	-	PUNCT
cblr-9983	1139	73	managed.187	managed.187	NOUN
cblr-9983	1139	74	within	within	ADP
cblr-9983	1139	75	the	the	DET
cblr-9983	1139	76	categories	category	NOUN
cblr-9983	1139	77	of	of	ADP
cblr-9983	1139	78	administrative	administrative	ADJ
cblr-9983	1139	79	action	action	NOUN
cblr-9983	1139	80	contemplated	contemplate	VERB
cblr-9983	1139	81	in	in	ADP
cblr-9983	1139	82	the	the	DET
cblr-9983	1139	83	apa	apa	PROPN
cblr-9983	1139	84	,	,	PUNCT
cblr-9983	1139	85	the	the	DET
cblr-9983	1139	86	assignment	assignment	NOUN
cblr-9983	1139	87	of	of	ADP
cblr-9983	1139	88	ratings	rating	NOUN
cblr-9983	1139	89	must	must	AUX
cblr-9983	1139	90	be	be	AUX
cblr-9983	1139	91	a	a	DET
cblr-9983	1139	92	form	form	NOUN
cblr-9983	1139	93	of	of	ADP
cblr-9983	1139	94	informal	informal	ADJ
cblr-9983	1139	95	adjudication	adjudication	NOUN
cblr-9983	1139	96	,	,	PUNCT
cblr-9983	1139	97	since	since	SCONJ
cblr-9983	1139	98	it	it	PRON
cblr-9983	1139	99	is	be	AUX
cblr-9983	1139	100	clearly	clearly	ADV
cblr-9983	1139	101	not	not	PART
cblr-9983	1139	102	rule	rule	NOUN
cblr-9983	1139	103	-	-	PUNCT
cblr-9983	1139	104	making	making	NOUN
cblr-9983	1139	105	and	and	CCONJ
cblr-9983	1139	106	equally	equally	ADV
cblr-9983	1139	107	clearly	clearly	ADV
cblr-9983	1139	108	not	not	PART
cblr-9983	1139	109	required	require	VERB
cblr-9983	1139	110	to	to	PART
cblr-9983	1139	111	be	be	AUX
cblr-9983	1139	112	“	"	PUNCT
cblr-9983	1139	113	on	on	ADP
cblr-9983	1139	114	the	the	DET
cblr-9983	1139	115	record	record	NOUN
cblr-9983	1139	116	after	after	ADP
cblr-9983	1139	117	[	[	X
cblr-9983	1139	118	an	an	X
cblr-9983	1139	119	]	]	X
cblr-9983	1139	120	opportunity	opportunity	NOUN
cblr-9983	1139	121	for	for	ADP
cblr-9983	1139	122	agency	agency	NOUN
cblr-9983	1139	123	hearing,”188	hearing,”188	PROPN
cblr-9983	1139	124	and	and	CCONJ
cblr-9983	1139	125	thus	thus	ADV
cblr-9983	1139	126	not	not	PART
cblr-9983	1139	127	formal	formal	ADJ
cblr-9983	1139	128	186	186	NUM
cblr-9983	1139	129	12	12	NUM
cblr-9983	1139	130	u.s.c	u.s.c	NOUN
cblr-9983	1139	131	.	.	PUNCT
cblr-9983	1140	1	§	§	PROPN
cblr-9983	1140	2	3305(a	3305(a	NOUN
cblr-9983	1140	3	)	)	PUNCT
cblr-9983	1140	4	.	.	PUNCT
cblr-9983	1141	1	187	187	NUM
cblr-9983	1141	2	12	12	NUM
cblr-9983	1141	3	u.s.c	u.s.c	NOUN
cblr-9983	1141	4	.	.	PUNCT
cblr-9983	1142	1	§	§	PROPN
cblr-9983	1142	2	1843(l)(1)(c	1843(l)(1)(c	NUM
cblr-9983	1142	3	)	)	PUNCT
cblr-9983	1142	4	.	.	PUNCT
cblr-9983	1143	1	this	this	DET
cblr-9983	1143	2	requirement	requirement	NOUN
cblr-9983	1143	3	was	be	AUX
cblr-9983	1143	4	added	add	VERB
cblr-9983	1143	5	by	by	ADP
cblr-9983	1143	6	section	section	NOUN
cblr-9983	1143	7	606(a	606(a	PROPN
cblr-9983	1143	8	)	)	PUNCT
cblr-9983	1143	9	of	of	ADP
cblr-9983	1143	10	the	the	DET
cblr-9983	1143	11	dodd	dodd	PROPN
cblr-9983	1143	12	-	-	PUNCT
cblr-9983	1143	13	frank	frank	PROPN
cblr-9983	1143	14	act	act	PROPN
cblr-9983	1143	15	,	,	PUNCT
cblr-9983	1143	16	pub	pub	NOUN
cblr-9983	1143	17	.	.	PUNCT
cblr-9983	1144	1	l.	l.	PROPN
cblr-9983	1144	2	111	111	NUM
cblr-9983	1144	3	-	-	SYM
cblr-9983	1144	4	203	203	NUM
cblr-9983	1144	5	,	,	PUNCT
cblr-9983	1144	6	124	124	NUM
cblr-9983	1144	7	stat	stat	NOUN
cblr-9983	1144	8	.	.	PUNCT
cblr-9983	1145	1	1376	1376	NUM
cblr-9983	1145	2	,	,	PUNCT
cblr-9983	1145	3	1607	1607	NUM
cblr-9983	1145	4	,	,	PUNCT
cblr-9983	1145	5	which	which	PRON
cblr-9983	1145	6	amended	amend	VERB
cblr-9983	1145	7	the	the	DET
cblr-9983	1145	8	bank	bank	NOUN
cblr-9983	1145	9	holding	hold	VERB
cblr-9983	1145	10	company	company	NOUN
cblr-9983	1145	11	act	act	NOUN
cblr-9983	1145	12	of	of	ADP
cblr-9983	1145	13	1956	1956	NUM
cblr-9983	1145	14	,	,	PUNCT
cblr-9983	1145	15	pub	pub	NOUN
cblr-9983	1145	16	.	.	PUNCT
cblr-9983	1146	1	l.	l.	PROPN
cblr-9983	1146	2	84	84	NUM
cblr-9983	1146	3	-	-	SYM
cblr-9983	1146	4	511	511	NUM
cblr-9983	1146	5	,	,	PUNCT
cblr-9983	1146	6	84	84	NUM
cblr-9983	1146	7	stat	stat	NOUN
cblr-9983	1146	8	.	.	PUNCT
cblr-9983	1147	1	511	511	NUM
cblr-9983	1147	2	.	.	PUNCT
cblr-9983	1148	1	under	under	ADP
cblr-9983	1148	2	the	the	DET
cblr-9983	1148	3	1999	1999	NUM
cblr-9983	1148	4	gramm	gramm	NOUN
cblr-9983	1148	5	-	-	PUNCT
cblr-9983	1148	6	leach	leach	NOUN
cblr-9983	1148	7	-	-	PUNCT
cblr-9983	1148	8	bliley	bliley	NOUN
cblr-9983	1148	9	act	act	NOUN
cblr-9983	1148	10	,	,	PUNCT
cblr-9983	1148	11	the	the	DET
cblr-9983	1148	12	requirements	requirement	NOUN
cblr-9983	1148	13	for	for	ADP
cblr-9983	1148	14	wellmanaged	wellmanage	VERB
cblr-9983	1148	15	and	and	CCONJ
cblr-9983	1148	16	well	well	ADV
cblr-9983	1148	17	-	-	PUNCT
cblr-9983	1148	18	capitalized	capitalize	VERB
cblr-9983	1148	19	applied	apply	VERB
cblr-9983	1148	20	only	only	ADV
cblr-9983	1148	21	to	to	ADP
cblr-9983	1148	22	the	the	DET
cblr-9983	1148	23	insured	insure	VERB
cblr-9983	1148	24	depository	depository	NOUN
cblr-9983	1148	25	institutions	institution	NOUN
cblr-9983	1148	26	of	of	ADP
cblr-9983	1148	27	a	a	DET
cblr-9983	1148	28	holding	hold	VERB
cblr-9983	1148	29	company	company	NOUN
cblr-9983	1148	30	wishing	wish	VERB
cblr-9983	1148	31	to	to	PART
cblr-9983	1148	32	become	become	VERB
cblr-9983	1148	33	a	a	DET
cblr-9983	1148	34	financial	financial	ADJ
cblr-9983	1148	35	holding	hold	VERB
cblr-9983	1148	36	company	company	NOUN
cblr-9983	1148	37	.	.	PUNCT
cblr-9983	1149	1	pub	pub	NOUN
cblr-9983	1149	2	.	.	PUNCT
cblr-9983	1150	1	l.	l.	PROPN
cblr-9983	1150	2	no	no	INTJ
cblr-9983	1150	3	.	.	PROPN
cblr-9983	1151	1	106	106	NUM
cblr-9983	1151	2	-	-	SYM
cblr-9983	1151	3	102	102	NUM
cblr-9983	1151	4	,	,	PUNCT
cblr-9983	1151	5	§	§	PROPN
cblr-9983	1151	6	103(a	103(a	PROPN
cblr-9983	1151	7	)	)	PUNCT
cblr-9983	1151	8	,	,	PUNCT
cblr-9983	1151	9	113	113	NUM
cblr-9983	1151	10	stat	stat	NOUN
cblr-9983	1151	11	.	.	PUNCT
cblr-9983	1152	1	1338	1338	NUM
cblr-9983	1152	2	,	,	PUNCT
cblr-9983	1152	3	1346	1346	NUM
cblr-9983	1152	4	.	.	PUNCT
cblr-9983	1153	1	188	188	NUM
cblr-9983	1153	2	5	5	NUM
cblr-9983	1153	3	u.s.c	u.s.c	ADJ
cblr-9983	1153	4	.	.	PUNCT
cblr-9983	1154	1	§	§	PROPN
cblr-9983	1154	2	554(a	554(a	PROPN
cblr-9983	1154	3	)	)	PUNCT
cblr-9983	1154	4	(	(	PUNCT
cblr-9983	1154	5	2018	2018	NUM
cblr-9983	1154	6	)	)	PUNCT
cblr-9983	1154	7	.	.	PUNCT
cblr-9983	1155	1	no	no	INTJ
cblr-9983	1155	2	.	.	PUNCT
cblr-9983	1156	1	1:279	1:279	NOUN
cblr-9983	1156	2	]	]	X
cblr-9983	1156	3	bank	bank	NOUN
cblr-9983	1156	4	supervision	supervision	NOUN
cblr-9983	1156	5	and	and	CCONJ
cblr-9983	1156	6	administrative	administrative	ADJ
cblr-9983	1156	7	law	law	NOUN
cblr-9983	1156	8	341	341	NUM
cblr-9983	1156	9	adjudication	adjudication	NOUN
cblr-9983	1156	10	.	.	PUNCT
cblr-9983	1157	1	as	as	ADP
cblr-9983	1157	2	such	such	ADJ
cblr-9983	1157	3	,	,	PUNCT
cblr-9983	1157	4	it	it	PRON
cblr-9983	1157	5	is	be	AUX
cblr-9983	1157	6	procedurally	procedurally	ADV
cblr-9983	1157	7	confined	confine	VERB
cblr-9983	1157	8	only	only	ADV
cblr-9983	1157	9	by	by	ADP
cblr-9983	1157	10	the	the	DET
cblr-9983	1157	11	minimal	minimal	ADJ
cblr-9983	1157	12	standards	standard	NOUN
cblr-9983	1157	13	provided	provide	VERB
cblr-9983	1157	14	for	for	ADP
cblr-9983	1157	15	all	all	DET
cblr-9983	1157	16	agency	agency	NOUN
cblr-9983	1157	17	actions	action	NOUN
cblr-9983	1157	18	under	under	ADP
cblr-9983	1157	19	the	the	DET
cblr-9983	1157	20	apa	apa	PROPN
cblr-9983	1157	21	and	and	CCONJ
cblr-9983	1157	22	any	any	DET
cblr-9983	1157	23	additional	additional	ADJ
cblr-9983	1157	24	statutory	statutory	ADJ
cblr-9983	1157	25	requirements	requirement	NOUN
cblr-9983	1157	26	.	.	PUNCT
cblr-9983	1158	1	the	the	DET
cblr-9983	1158	2	only	only	ADJ
cblr-9983	1158	3	such	such	ADJ
cblr-9983	1158	4	requirement	requirement	NOUN
cblr-9983	1158	5	of	of	ADP
cblr-9983	1158	6	any	any	DET
cblr-9983	1158	7	significance	significance	NOUN
cblr-9983	1158	8	is	be	AUX
cblr-9983	1158	9	that	that	SCONJ
cblr-9983	1158	10	there	there	PRON
cblr-9983	1158	11	be	be	AUX
cblr-9983	1158	12	“	"	PUNCT
cblr-9983	1158	13	an	an	DET
cblr-9983	1158	14	independent	independent	ADJ
cblr-9983	1158	15	intra	intra	ADJ
cblr-9983	1158	16	-	-	ADJ
cblr-9983	1158	17	agency	agency	ADJ
cblr-9983	1158	18	appellate	appellate	ADJ
cblr-9983	1158	19	process	process	NOUN
cblr-9983	1158	20	.	.	PUNCT
cblr-9983	1158	21	.	.	PUNCT
cblr-9983	1158	22	.	.	PUNCT
cblr-9983	1159	1	to	to	PART
cblr-9983	1159	2	review	review	VERB
cblr-9983	1159	3	material	material	NOUN
cblr-9983	1159	4	supervisory	supervisory	ADJ
cblr-9983	1159	5	determinations	determination	NOUN
cblr-9983	1159	6	made	make	VERB
cblr-9983	1159	7	at	at	ADP
cblr-9983	1159	8	insured	insured	ADJ
cblr-9983	1159	9	depository	depository	NOUN
cblr-9983	1159	10	institutions,”189	institutions,”189	NOUN
cblr-9983	1159	11	including	include	VERB
cblr-9983	1159	12	examination	examination	NOUN
cblr-9983	1159	13	ratings.190	ratings.190	NOUN
cblr-9983	1159	14	the	the	DET
cblr-9983	1159	15	only	only	ADJ
cblr-9983	1159	16	meaningful	meaningful	ADJ
cblr-9983	1159	17	requirement	requirement	NOUN
cblr-9983	1159	18	for	for	ADP
cblr-9983	1159	19	this	this	DET
cblr-9983	1159	20	process	process	NOUN
cblr-9983	1159	21	other	other	ADJ
cblr-9983	1159	22	than	than	ADP
cblr-9983	1159	23	its	its	PRON
cblr-9983	1159	24	fairly	fairly	ADV
cblr-9983	1159	25	loose	loose	ADJ
cblr-9983	1159	26	prerequisite	prerequisite	NOUN
cblr-9983	1159	27	of	of	ADP
cblr-9983	1159	28	“	"	PUNCT
cblr-9983	1159	29	independence”191	independence”191	NOUN
cblr-9983	1159	30	is	be	AUX
cblr-9983	1159	31	each	each	DET
cblr-9983	1159	32	banking	banking	NOUN
cblr-9983	1159	33	agency	agency	NOUN
cblr-9983	1159	34	’s	’s	PART
cblr-9983	1159	35	obligation	obligation	NOUN
cblr-9983	1159	36	to	to	PART
cblr-9983	1159	37	ensure	ensure	VERB
cblr-9983	1159	38	that	that	SCONJ
cblr-9983	1159	39	an	an	DET
cblr-9983	1159	40	appeal	appeal	NOUN
cblr-9983	1159	41	can	can	AUX
cblr-9983	1159	42	be	be	AUX
cblr-9983	1159	43	“	"	PUNCT
cblr-9983	1159	44	heard	hear	VERB
cblr-9983	1159	45	and	and	CCONJ
cblr-9983	1159	46	decided	decide	VERB
cblr-9983	1159	47	expeditiously	expeditiously	ADV
cblr-9983	1159	48	”	"	PUNCT
cblr-9983	1159	49	and	and	CCONJ
cblr-9983	1159	50	that	that	SCONJ
cblr-9983	1159	51	safeguards	safeguard	NOUN
cblr-9983	1159	52	exist	exist	VERB
cblr-9983	1159	53	to	to	PART
cblr-9983	1159	54	protect	protect	VERB
cblr-9983	1159	55	appealing	appeal	VERB
cblr-9983	1159	56	banks	bank	NOUN
cblr-9983	1159	57	from	from	ADP
cblr-9983	1159	58	retaliation	retaliation	NOUN
cblr-9983	1159	59	by	by	ADP
cblr-9983	1159	60	examiners.192	examiners.192	NOUN
cblr-9983	1159	61	not	not	PART
cblr-9983	1159	62	surprisingly	surprisingly	ADV
cblr-9983	1159	63	considering	consider	VERB
cblr-9983	1159	64	the	the	DET
cblr-9983	1159	65	consequences	consequence	NOUN
cblr-9983	1159	66	associated	associate	VERB
cblr-9983	1159	67	with	with	ADP
cblr-9983	1159	68	ratings	rating	NOUN
cblr-9983	1159	69	,	,	PUNCT
cblr-9983	1159	70	complaints	complaint	NOUN
cblr-9983	1159	71	from	from	ADP
cblr-9983	1159	72	banks	bank	NOUN
cblr-9983	1159	73	about	about	ADP
cblr-9983	1159	74	the	the	DET
cblr-9983	1159	75	ratings	rating	NOUN
cblr-9983	1159	76	system	system	NOUN
cblr-9983	1159	77	have	have	AUX
cblr-9983	1159	78	been	be	AUX
cblr-9983	1159	79	commonplace	commonplace	ADJ
cblr-9983	1159	80	.	.	PUNCT
cblr-9983	1160	1	in	in	ADP
cblr-9983	1160	2	the	the	DET
cblr-9983	1160	3	years	year	NOUN
cblr-9983	1160	4	following	follow	VERB
cblr-9983	1160	5	the	the	DET
cblr-9983	1160	6	financial	financial	ADJ
cblr-9983	1160	7	crisis	crisis	NOUN
cblr-9983	1160	8	,	,	PUNCT
cblr-9983	1160	9	the	the	DET
cblr-9983	1160	10	most	most	ADV
cblr-9983	1160	11	frequent	frequent	ADJ
cblr-9983	1160	12	concerns	concern	NOUN
cblr-9983	1160	13	pertained	pertain	VERB
cblr-9983	1160	14	to	to	ADP
cblr-9983	1160	15	perceived	perceive	VERB
cblr-9983	1160	16	inconsistencies	inconsistency	NOUN
cblr-9983	1160	17	in	in	ADP
cblr-9983	1160	18	ratings	rating	NOUN
cblr-9983	1160	19	across	across	ADP
cblr-9983	1160	20	banks	bank	NOUN
cblr-9983	1160	21	in	in	ADP
cblr-9983	1160	22	similar	similar	ADJ
cblr-9983	1160	23	circumstances	circumstance	NOUN
cblr-9983	1160	24	,	,	PUNCT
cblr-9983	1160	25	overly	overly	ADV
cblr-9983	1160	26	long	long	ADV
cblr-9983	1160	27	and	and	CCONJ
cblr-9983	1160	28	demanding	demand	VERB
cblr-9983	1160	29	processes	process	NOUN
cblr-9983	1160	30	for	for	ADP
cblr-9983	1160	31	restoring	restore	VERB
cblr-9983	1160	32	a	a	DET
cblr-9983	1160	33	higher	high	ADJ
cblr-9983	1160	34	rating	rating	NOUN
cblr-9983	1160	35	after	after	SCONJ
cblr-9983	1160	36	it	it	PRON
cblr-9983	1160	37	has	have	AUX
cblr-9983	1160	38	been	be	AUX
cblr-9983	1160	39	downgraded	downgrade	VERB
cblr-9983	1160	40	,	,	PUNCT
cblr-9983	1160	41	and	and	CCONJ
cblr-9983	1160	42	the	the	DET
cblr-9983	1160	43	potential	potential	NOUN
cblr-9983	1160	44	for	for	ADP
cblr-9983	1160	45	downgrades	downgrade	NOUN
cblr-9983	1160	46	because	because	SCONJ
cblr-9983	1160	47	of	of	ADP
cblr-9983	1160	48	deficiencies	deficiency	NOUN
cblr-9983	1160	49	in	in	ADP
cblr-9983	1160	50	areas	area	NOUN
cblr-9983	1160	51	not	not	PART
cblr-9983	1160	52	previously	previously	ADV
cblr-9983	1160	53	identified	identify	VERB
cblr-9983	1160	54	by	by	ADP
cblr-9983	1160	55	supervisors	supervisor	NOUN
cblr-9983	1160	56	as	as	ADP
cblr-9983	1160	57	a	a	DET
cblr-9983	1160	58	specific	specific	ADJ
cblr-9983	1160	59	subject	subject	NOUN
cblr-9983	1160	60	of	of	ADP
cblr-9983	1160	61	focus	focus	NOUN
cblr-9983	1160	62	or	or	CCONJ
cblr-9983	1160	63	because	because	SCONJ
cblr-9983	1160	64	supervisory	supervisory	ADJ
cblr-9983	1160	65	expectations	expectation	NOUN
cblr-9983	1160	66	have	have	AUX
cblr-9983	1160	67	increased	increase	VERB
cblr-9983	1160	68	since	since	SCONJ
cblr-9983	1160	69	previous	previous	ADJ
cblr-9983	1160	70	examinations.193	examinations.193	NOUN
cblr-9983	1160	71	the	the	DET
cblr-9983	1160	72	first	first	ADJ
cblr-9983	1160	73	is	be	AUX
cblr-9983	1160	74	something	something	PRON
cblr-9983	1160	75	of	of	ADP
cblr-9983	1160	76	a	a	DET
cblr-9983	1160	77	perennial	perennial	NOUN
cblr-9983	1160	78	;	;	PUNCT
cblr-9983	1160	79	the	the	DET
cblr-9983	1160	80	last	last	ADJ
cblr-9983	1160	81	two	two	NUM
cblr-9983	1160	82	are	be	AUX
cblr-9983	1160	83	probably	probably	ADV
cblr-9983	1160	84	at	at	ADP
cblr-9983	1160	85	least	least	ADJ
cblr-9983	1160	86	in	in	ADP
cblr-9983	1160	87	part	part	NOUN
cblr-9983	1160	88	a	a	DET
cblr-9983	1160	89	product	product	NOUN
cblr-9983	1160	90	of	of	ADP
cblr-9983	1160	91	the	the	DET
cblr-9983	1160	92	post	post	ADJ
cblr-9983	1160	93	-	-	ADJ
cblr-9983	1160	94	crisis	crisis	ADJ
cblr-9983	1160	95	adjustment	adjustment	NOUN
cblr-9983	1160	96	of	of	ADP
cblr-9983	1160	97	supervisors	supervisor	NOUN
cblr-9983	1160	98	to	to	ADP
cblr-9983	1160	99	what	what	PRON
cblr-9983	1160	100	was	be	AUX
cblr-9983	1160	101	regarded	regard	VERB
cblr-9983	1160	102	as	as	ADP
cblr-9983	1160	103	insufficiently	insufficiently	ADV
cblr-9983	1160	104	rigorous	rigorous	ADJ
cblr-9983	1160	105	pre	pre	ADJ
cblr-9983	1160	106	-	-	ADJ
cblr-9983	1160	107	crisis	crisis	ADJ
cblr-9983	1160	108	supervision	supervision	NOUN
cblr-9983	1160	109	.	.	PUNCT
cblr-9983	1161	1	other	other	ADJ
cblr-9983	1161	2	reported	report	VERB
cblr-9983	1161	3	concerns	concern	NOUN
cblr-9983	1161	4	include	include	VERB
cblr-9983	1161	5	the	the	DET
cblr-9983	1161	6	subjectivity	subjectivity	NOUN
cblr-9983	1161	7	of	of	ADP
cblr-9983	1161	8	the	the	DET
cblr-9983	1161	9	management	management	NOUN
cblr-9983	1161	10	rating,194	rating,194	PROPN
cblr-9983	1161	11	that	that	SCONJ
cblr-9983	1161	12	enforcement	enforcement	NOUN
cblr-9983	1161	13	actions	action	NOUN
cblr-9983	1161	14	may	may	AUX
cblr-9983	1161	15	more	more	ADV
cblr-9983	1161	16	or	or	CCONJ
cblr-9983	1161	17	189	189	NUM
cblr-9983	1161	18	12	12	NUM
cblr-9983	1161	19	u.s.c	u.s.c	NOUN
cblr-9983	1161	20	.	.	PUNCT
cblr-9983	1162	1	§	§	PROPN
cblr-9983	1162	2	4806(a	4806(a	NUM
cblr-9983	1162	3	)	)	PUNCT
cblr-9983	1162	4	.	.	PUNCT
cblr-9983	1163	1	190	190	NUM
cblr-9983	1164	1	i	i	PROPN
cblr-9983	1164	2	d.	d.	PROPN
cblr-9983	1164	3	§	§	PROPN
cblr-9983	1164	4	4806(f)(1)(a)(i	4806(f)(1)(a)(i	PROPN
cblr-9983	1164	5	)	)	PUNCT
cblr-9983	1164	6	.	.	PUNCT
cblr-9983	1165	1	191	191	NUM
cblr-9983	1166	1	the	the	DET
cblr-9983	1166	2	statute	statute	NOUN
cblr-9983	1166	3	defines	define	VERB
cblr-9983	1166	4	“	"	PUNCT
cblr-9983	1166	5	independent	independent	ADJ
cblr-9983	1166	6	appellate	appellate	ADJ
cblr-9983	1166	7	process	process	NOUN
cblr-9983	1166	8	”	"	PUNCT
cblr-9983	1166	9	as	as	ADP
cblr-9983	1166	10	one	one	NUM
cblr-9983	1166	11	in	in	ADP
cblr-9983	1166	12	which	which	PRON
cblr-9983	1166	13	the	the	DET
cblr-9983	1166	14	review	review	NOUN
cblr-9983	1166	15	is	be	AUX
cblr-9983	1166	16	done	do	VERB
cblr-9983	1166	17	by	by	ADP
cblr-9983	1166	18	“	"	PUNCT
cblr-9983	1166	19	an	an	DET
cblr-9983	1166	20	agency	agency	NOUN
cblr-9983	1166	21	official	official	NOUN
cblr-9983	1166	22	who	who	PRON
cblr-9983	1166	23	does	do	AUX
cblr-9983	1166	24	not	not	PART
cblr-9983	1166	25	directly	directly	ADV
cblr-9983	1166	26	or	or	CCONJ
cblr-9983	1166	27	indirectly	indirectly	ADV
cblr-9983	1166	28	report	report	VERB
cblr-9983	1166	29	to	to	ADP
cblr-9983	1166	30	the	the	DET
cblr-9983	1166	31	agency	agency	NOUN
cblr-9983	1166	32	official	official	NOUN
cblr-9983	1166	33	who	who	PRON
cblr-9983	1166	34	made	make	VERB
cblr-9983	1166	35	the	the	DET
cblr-9983	1166	36	material	material	ADJ
cblr-9983	1166	37	supervisory	supervisory	ADJ
cblr-9983	1166	38	determination	determination	NOUN
cblr-9983	1166	39	under	under	ADP
cblr-9983	1166	40	review	review	NOUN
cblr-9983	1166	41	.	.	PUNCT
cblr-9983	1166	42	”	"	PUNCT
cblr-9983	1167	1	i	i	PRON
cblr-9983	1167	2	d.	d.	PROPN
cblr-9983	1167	3	§	§	PROPN
cblr-9983	1167	4	4806(f)(2	4806(f)(2	NUM
cblr-9983	1167	5	)	)	PUNCT
cblr-9983	1167	6	.	.	PUNCT
cblr-9983	1168	1	192	192	NUM
cblr-9983	1169	1	i	i	PRON
cblr-9983	1169	2	d.	d.	PROPN
cblr-9983	1169	3	§	§	PROPN
cblr-9983	1169	4	4806(b	4806(b	PROPN
cblr-9983	1169	5	)	)	PUNCT
cblr-9983	1169	6	.	.	PUNCT
cblr-9983	1170	1	193	193	NUM
cblr-9983	1170	2	information	information	NOUN
cblr-9983	1170	3	about	about	ADP
cblr-9983	1170	4	concerns	concern	NOUN
cblr-9983	1170	5	is	be	AUX
cblr-9983	1170	6	based	base	VERB
cblr-9983	1170	7	on	on	ADP
cblr-9983	1170	8	reports	report	NOUN
cblr-9983	1170	9	from	from	ADP
cblr-9983	1170	10	supervisors	supervisor	NOUN
cblr-9983	1170	11	to	to	ADP
cblr-9983	1170	12	the	the	DET
cblr-9983	1170	13	author	author	NOUN
cblr-9983	1170	14	and	and	CCONJ
cblr-9983	1170	15	direct	direct	ADJ
cblr-9983	1170	16	conversations	conversation	NOUN
cblr-9983	1170	17	with	with	ADP
cblr-9983	1170	18	bankers	banker	NOUN
cblr-9983	1170	19	during	during	ADP
cblr-9983	1170	20	that	that	DET
cblr-9983	1170	21	period	period	NOUN
cblr-9983	1170	22	.	.	PUNCT
cblr-9983	1171	1	194	194	NUM
cblr-9983	1171	2	see	see	VERB
cblr-9983	1171	3	,	,	PUNCT
cblr-9983	1171	4	e.g.	e.g.	ADV
cblr-9983	1171	5	,	,	PUNCT
cblr-9983	1171	6	baer	baer	PROPN
cblr-9983	1171	7	testimony	testimony	NOUN
cblr-9983	1171	8	,	,	PUNCT
cblr-9983	1171	9	supra	supra	PROPN
cblr-9983	1171	10	note	note	NOUN
cblr-9983	1171	11	14	14	NUM
cblr-9983	1171	12	,	,	PUNCT
cblr-9983	1171	13	at	at	ADP
cblr-9983	1171	14	11	11	NUM
cblr-9983	1171	15	;	;	PUNCT
cblr-9983	1171	16	jeff	jeff	PROPN
cblr-9983	1171	17	bater	bater	PROPN
cblr-9983	1171	18	,	,	PUNCT
cblr-9983	1171	19	banks	bank	NOUN
cblr-9983	1171	20	welcome	welcome	VERB
cblr-9983	1171	21	fdic	fdic	PROPN
cblr-9983	1171	22	chief	chief	PROPN
cblr-9983	1171	23	’s	’s	PART
cblr-9983	1171	24	call	call	NOUN
cblr-9983	1171	25	for	for	ADP
cblr-9983	1171	26	review	review	NOUN
cblr-9983	1171	27	of	of	ADP
cblr-9983	1171	28	ratings	rating	NOUN
cblr-9983	1171	29	system	system	NOUN
cblr-9983	1171	30	,	,	PUNCT
cblr-9983	1171	31	bloomberg	bloomberg	PROPN
cblr-9983	1171	32	l.	l.	PROPN
cblr-9983	1171	33	(	(	PUNCT
cblr-9983	1171	34	july	july	PROPN
cblr-9983	1171	35	11	11	NUM
cblr-9983	1171	36	,	,	PUNCT
cblr-9983	1171	37	2018	2018	NUM
cblr-9983	1171	38	,	,	PUNCT
cblr-9983	1171	39	2:33pm	2:33pm	NUM
cblr-9983	1171	40	)	)	PUNCT
cblr-9983	1171	41	,	,	PUNCT
cblr-9983	1171	42	https://news.bloomberglaw.com/banking	https://news.bloomberglaw.com/banking	PROPN
cblr-9983	1171	43	342	342	NUM
cblr-9983	1171	44	columbia	columbia	PROPN
cblr-9983	1171	45	business	business	NOUN
cblr-9983	1171	46	law	law	PROPN
cblr-9983	1171	47	review	review	NOUN
cblr-9983	1171	48	[	[	X
cblr-9983	1171	49	vol	vol	NOUN
cblr-9983	1171	50	.	.	PUNCT
cblr-9983	1171	51	2022	2022	NUM
cblr-9983	1171	52	less	less	ADV
cblr-9983	1171	53	automatically	automatically	ADV
cblr-9983	1171	54	result	result	VERB
cblr-9983	1171	55	in	in	ADP
cblr-9983	1171	56	a	a	DET
cblr-9983	1171	57	downgrading	downgrading	NOUN
cblr-9983	1171	58	of	of	ADP
cblr-9983	1171	59	management,195	management,195	NOUN
cblr-9983	1171	60	and	and	CCONJ
cblr-9983	1171	61	that	that	SCONJ
cblr-9983	1171	62	the	the	DET
cblr-9983	1171	63	statutory	statutory	ADJ
cblr-9983	1171	64	appeals	appeal	NOUN
cblr-9983	1171	65	process	process	NOUN
cblr-9983	1171	66	is	be	AUX
cblr-9983	1171	67	largely	largely	ADV
cblr-9983	1171	68	ineffective.196	ineffective.196	ADJ
cblr-9983	1171	69	there	there	PRON
cblr-9983	1171	70	is	be	VERB
cblr-9983	1171	71	merit	merit	NOUN
cblr-9983	1171	72	in	in	ADP
cblr-9983	1171	73	some	some	PRON
cblr-9983	1171	74	of	of	ADP
cblr-9983	1171	75	these	these	DET
cblr-9983	1171	76	complaints	complaint	NOUN
cblr-9983	1171	77	,	,	PUNCT
cblr-9983	1171	78	though	though	SCONJ
cblr-9983	1171	79	not	not	PART
cblr-9983	1171	80	as	as	ADV
cblr-9983	1171	81	much	much	ADV
cblr-9983	1171	82	as	as	SCONJ
cblr-9983	1171	83	some	some	DET
cblr-9983	1171	84	banks	bank	NOUN
cblr-9983	1171	85	and	and	CCONJ
cblr-9983	1171	86	their	their	PRON
cblr-9983	1171	87	representatives	representative	NOUN
cblr-9983	1171	88	would	would	AUX
cblr-9983	1171	89	assert	assert	VERB
cblr-9983	1171	90	.	.	PUNCT
cblr-9983	1172	1	however	however	ADV
cblr-9983	1172	2	,	,	PUNCT
cblr-9983	1172	3	current	current	ADJ
cblr-9983	1172	4	administrative	administrative	ADJ
cblr-9983	1172	5	law	law	NOUN
cblr-9983	1172	6	likely	likely	ADV
cblr-9983	1172	7	holds	hold	VERB
cblr-9983	1172	8	little	little	ADJ
cblr-9983	1172	9	potential	potential	NOUN
cblr-9983	1172	10	for	for	ADP
cblr-9983	1172	11	change	change	NOUN
cblr-9983	1172	12	that	that	PRON
cblr-9983	1172	13	would	would	AUX
cblr-9983	1172	14	be	be	AUX
cblr-9983	1172	15	of	of	ADP
cblr-9983	1172	16	much	much	ADJ
cblr-9983	1172	17	help	help	NOUN
cblr-9983	1172	18	to	to	ADP
cblr-9983	1172	19	banks	bank	NOUN
cblr-9983	1172	20	,	,	PUNCT
cblr-9983	1172	21	especially	especially	ADV
cblr-9983	1172	22	smaller	small	ADJ
cblr-9983	1172	23	banks	bank	NOUN
cblr-9983	1172	24	.	.	PUNCT
cblr-9983	1173	1	hurdles	hurdle	NOUN
cblr-9983	1173	2	lie	lie	VERB
cblr-9983	1173	3	both	both	PRON
cblr-9983	1173	4	in	in	ADP
cblr-9983	1173	5	the	the	DET
cblr-9983	1173	6	availability	availability	NOUN
cblr-9983	1173	7	of	of	ADP
cblr-9983	1173	8	judicial	judicial	ADJ
cblr-9983	1173	9	review	review	NOUN
cblr-9983	1173	10	and	and	CCONJ
cblr-9983	1173	11	its	its	PRON
cblr-9983	1173	12	practical	practical	ADJ
cblr-9983	1173	13	effect	effect	NOUN
cblr-9983	1173	14	even	even	ADV
cblr-9983	1173	15	if	if	SCONJ
cblr-9983	1173	16	available.197	available.197	PROPN
cblr-9983	1173	17	law	law	NOUN
cblr-9983	1173	18	/	/	SYM
cblr-9983	1173	19	banks	bank	NOUN
cblr-9983	1173	20	-	-	PUNCT
cblr-9983	1173	21	welcome	welcome	ADV
cblr-9983	1173	22	-	-	PUNCT
cblr-9983	1173	23	fdic	fdic	ADJ
cblr-9983	1173	24	-	-	PUNCT
cblr-9983	1173	25	chiefs	chief	NOUN
cblr-9983	1173	26	-	-	PUNCT
cblr-9983	1173	27	call	call	NOUN
cblr-9983	1173	28	-	-	PUNCT
cblr-9983	1173	29	for	for	ADP
cblr-9983	1173	30	-	-	PUNCT
cblr-9983	1173	31	review	review	NOUN
cblr-9983	1173	32	-	-	PUNCT
cblr-9983	1173	33	of	of	ADP
cblr-9983	1173	34	-	-	PUNCT
cblr-9983	1173	35	ratings	rating	NOUN
cblr-9983	1173	36	-	-	PUNCT
cblr-9983	1173	37	system	system	NOUN
cblr-9983	1173	38	[	[	X
cblr-9983	1173	39	https://perma.cc/v6se-e5le	https://perma.cc/v6se-e5le	NOUN
cblr-9983	1173	40	]	]	PUNCT
cblr-9983	1173	41	.	.	PUNCT
cblr-9983	1174	1	as	as	SCONJ
cblr-9983	1174	2	reporting	reporting	NOUN
cblr-9983	1174	3	reveals	reveal	NOUN
cblr-9983	1174	4	,	,	PUNCT
cblr-9983	1174	5	bank	bank	NOUN
cblr-9983	1174	6	complaints	complaint	NOUN
cblr-9983	1174	7	about	about	ADP
cblr-9983	1174	8	the	the	DET
cblr-9983	1174	9	“	"	PUNCT
cblr-9983	1174	10	subjectivity	subjectivity	NOUN
cblr-9983	1174	11	”	"	PUNCT
cblr-9983	1174	12	of	of	ADP
cblr-9983	1174	13	the	the	DET
cblr-9983	1174	14	management	management	NOUN
cblr-9983	1174	15	rating	rating	NOUN
cblr-9983	1174	16	actually	actually	ADV
cblr-9983	1174	17	vary	vary	VERB
cblr-9983	1174	18	a	a	DET
cblr-9983	1174	19	fair	fair	ADJ
cblr-9983	1174	20	amount	amount	NOUN
cblr-9983	1174	21	,	,	PUNCT
cblr-9983	1174	22	sometimes	sometimes	ADV
cblr-9983	1174	23	in	in	ADP
cblr-9983	1174	24	ways	way	NOUN
cblr-9983	1174	25	at	at	ADP
cblr-9983	1174	26	odds	odd	NOUN
cblr-9983	1174	27	with	with	ADP
cblr-9983	1174	28	each	each	DET
cblr-9983	1174	29	other	other	ADJ
cblr-9983	1174	30	.	.	PUNCT
cblr-9983	1175	1	see	see	VERB
cblr-9983	1175	2	baer	baer	PROPN
cblr-9983	1175	3	testimony	testimony	NOUN
cblr-9983	1175	4	,	,	PUNCT
cblr-9983	1175	5	supra	supra	PROPN
cblr-9983	1175	6	note	note	NOUN
cblr-9983	1175	7	14	14	NUM
cblr-9983	1175	8	for	for	ADP
cblr-9983	1175	9	example	example	NOUN
cblr-9983	1175	10	,	,	PUNCT
cblr-9983	1175	11	while	while	SCONJ
cblr-9983	1175	12	one	one	NUM
cblr-9983	1175	13	former	former	ADJ
cblr-9983	1175	14	executive	executive	NOUN
cblr-9983	1175	15	at	at	ADP
cblr-9983	1175	16	a	a	DET
cblr-9983	1175	17	large	large	ADJ
cblr-9983	1175	18	bank	bank	NOUN
cblr-9983	1175	19	quoted	quote	VERB
cblr-9983	1175	20	in	in	ADP
cblr-9983	1175	21	the	the	DET
cblr-9983	1175	22	article	article	NOUN
cblr-9983	1175	23	suggested	suggest	VERB
cblr-9983	1175	24	that	that	SCONJ
cblr-9983	1175	25	supervisors	supervisor	NOUN
cblr-9983	1175	26	should	should	AUX
cblr-9983	1175	27	rely	rely	VERB
cblr-9983	1175	28	on	on	ADP
cblr-9983	1175	29	“	"	PUNCT
cblr-9983	1175	30	objective	objective	ADJ
cblr-9983	1175	31	”	"	PUNCT
cblr-9983	1175	32	data	datum	NOUN
cblr-9983	1175	33	,	,	PUNCT
cblr-9983	1175	34	an	an	DET
cblr-9983	1175	35	executive	executive	NOUN
cblr-9983	1175	36	of	of	ADP
cblr-9983	1175	37	a	a	DET
cblr-9983	1175	38	trade	trade	NOUN
cblr-9983	1175	39	association	association	NOUN
cblr-9983	1175	40	representing	represent	VERB
cblr-9983	1175	41	community	community	NOUN
cblr-9983	1175	42	banks	bank	NOUN
cblr-9983	1175	43	was	be	AUX
cblr-9983	1175	44	quoted	quote	VERB
cblr-9983	1175	45	as	as	ADP
cblr-9983	1175	46	saying	say	VERB
cblr-9983	1175	47	that	that	SCONJ
cblr-9983	1175	48	“	"	PUNCT
cblr-9983	1175	49	[	[	X
cblr-9983	1175	50	e]xaminers	e]xaminer	NOUN
cblr-9983	1175	51	should	should	AUX
cblr-9983	1175	52	be	be	AUX
cblr-9983	1175	53	looking	look	VERB
cblr-9983	1175	54	at	at	ADP
cblr-9983	1175	55	how	how	SCONJ
cblr-9983	1175	56	the	the	DET
cblr-9983	1175	57	bank	bank	NOUN
cblr-9983	1175	58	’s	’s	AUX
cblr-9983	1175	59	going	go	VERB
cblr-9983	1175	60	to	to	PART
cblr-9983	1175	61	perform	perform	VERB
cblr-9983	1175	62	in	in	ADP
cblr-9983	1175	63	the	the	DET
cblr-9983	1175	64	future	future	NOUN
cblr-9983	1175	65	as	as	SCONJ
cblr-9983	1175	66	opposed	oppose	VERB
cblr-9983	1175	67	to	to	ADP
cblr-9983	1175	68	how	how	SCONJ
cblr-9983	1175	69	it	it	PRON
cblr-9983	1175	70	’s	’s	AUX
cblr-9983	1175	71	been	be	AUX
cblr-9983	1175	72	doing	do	VERB
cblr-9983	1175	73	.	.	PUNCT
cblr-9983	1175	74	”	"	PUNCT
cblr-9983	1176	1	i	i	PRON
cblr-9983	1176	2	d.	d.	VERB
cblr-9983	1176	3	the	the	DET
cblr-9983	1176	4	latter	latter	ADJ
cblr-9983	1176	5	approach	approach	NOUN
cblr-9983	1176	6	,	,	PUNCT
cblr-9983	1176	7	while	while	SCONJ
cblr-9983	1176	8	it	it	PRON
cblr-9983	1176	9	might	might	AUX
cblr-9983	1176	10	incorporate	incorporate	VERB
cblr-9983	1176	11	objective	objective	ADJ
cblr-9983	1176	12	information	information	NOUN
cblr-9983	1176	13	,	,	PUNCT
cblr-9983	1176	14	surely	surely	ADV
cblr-9983	1176	15	requires	require	VERB
cblr-9983	1176	16	considerable	considerable	ADJ
cblr-9983	1176	17	judgment	judgment	NOUN
cblr-9983	1176	18	by	by	ADP
cblr-9983	1176	19	examiners	examiner	NOUN
cblr-9983	1176	20	.	.	PUNCT
cblr-9983	1177	1	it	it	PRON
cblr-9983	1177	2	is	be	AUX
cblr-9983	1177	3	worth	worth	ADJ
cblr-9983	1177	4	noting	note	VERB
cblr-9983	1177	5	that	that	SCONJ
cblr-9983	1177	6	in	in	ADP
cblr-9983	1177	7	its	its	PRON
cblr-9983	1177	8	1996	1996	NUM
cblr-9983	1177	9	revision	revision	NOUN
cblr-9983	1177	10	of	of	ADP
cblr-9983	1177	11	the	the	DET
cblr-9983	1177	12	ratings	rating	NOUN
cblr-9983	1177	13	system	system	NOUN
cblr-9983	1177	14	,	,	PUNCT
cblr-9983	1177	15	the	the	DET
cblr-9983	1177	16	ffiec	ffiec	NOUN
cblr-9983	1177	17	responded	respond	VERB
cblr-9983	1177	18	to	to	ADP
cblr-9983	1177	19	comments	comment	NOUN
cblr-9983	1177	20	about	about	ADP
cblr-9983	1177	21	the	the	DET
cblr-9983	1177	22	importance	importance	NOUN
cblr-9983	1177	23	attached	attach	VERB
cblr-9983	1177	24	to	to	PART
cblr-9983	1177	25	risk	risk	NOUN
cblr-9983	1177	26	management	management	NOUN
cblr-9983	1177	27	:	:	PUNCT
cblr-9983	1177	28	the	the	DET
cblr-9983	1177	29	revised	revise	VERB
cblr-9983	1177	30	rating	rating	NOUN
cblr-9983	1177	31	system	system	NOUN
cblr-9983	1177	32	reflects	reflect	VERB
cblr-9983	1177	33	an	an	DET
cblr-9983	1177	34	increased	increase	VERB
cblr-9983	1177	35	emphasis	emphasis	NOUN
cblr-9983	1177	36	on	on	ADP
cblr-9983	1177	37	risk	risk	NOUN
cblr-9983	1177	38	management	management	NOUN
cblr-9983	1177	39	processes	process	NOUN
cblr-9983	1177	40	.	.	PUNCT
cblr-9983	1178	1	the	the	DET
cblr-9983	1178	2	federal	federal	ADJ
cblr-9983	1178	3	supervisory	supervisory	ADJ
cblr-9983	1178	4	agencies	agency	NOUN
cblr-9983	1178	5	currently	currently	ADV
cblr-9983	1178	6	consider	consider	VERB
cblr-9983	1178	7	the	the	DET
cblr-9983	1178	8	quality	quality	NOUN
cblr-9983	1178	9	of	of	ADP
cblr-9983	1178	10	risk	risk	NOUN
cblr-9983	1178	11	management	management	NOUN
cblr-9983	1178	12	practices	practice	NOUN
cblr-9983	1178	13	when	when	SCONJ
cblr-9983	1178	14	applying	apply	VERB
cblr-9983	1178	15	the	the	DET
cblr-9983	1178	16	ufirs	ufir	NOUN
cblr-9983	1178	17	,	,	PUNCT
cblr-9983	1178	18	particularly	particularly	ADV
cblr-9983	1178	19	in	in	ADP
cblr-9983	1178	20	the	the	DET
cblr-9983	1178	21	management	management	NOUN
cblr-9983	1178	22	component	component	NOUN
cblr-9983	1178	23	.	.	PUNCT
cblr-9983	1179	1	changes	change	NOUN
cblr-9983	1179	2	in	in	ADP
cblr-9983	1179	3	the	the	DET
cblr-9983	1179	4	financial	financial	ADJ
cblr-9983	1179	5	services	service	NOUN
cblr-9983	1179	6	industry	industry	NOUN
cblr-9983	1179	7	,	,	PUNCT
cblr-9983	1179	8	however	however	ADV
cblr-9983	1179	9	,	,	PUNCT
cblr-9983	1179	10	have	have	AUX
cblr-9983	1179	11	broadened	broaden	VERB
cblr-9983	1179	12	the	the	DET
cblr-9983	1179	13	range	range	NOUN
cblr-9983	1179	14	of	of	ADP
cblr-9983	1179	15	financial	financial	ADJ
cblr-9983	1179	16	products	product	NOUN
cblr-9983	1179	17	offered	offer	VERB
cblr-9983	1179	18	by	by	ADP
cblr-9983	1179	19	institutions	institution	NOUN
cblr-9983	1179	20	and	and	CCONJ
cblr-9983	1179	21	accelerated	accelerate	VERB
cblr-9983	1179	22	the	the	DET
cblr-9983	1179	23	pace	pace	NOUN
cblr-9983	1179	24	of	of	ADP
cblr-9983	1179	25	transactions	transaction	NOUN
cblr-9983	1179	26	.	.	PUNCT
cblr-9983	1180	1	these	these	DET
cblr-9983	1180	2	trends	trend	NOUN
cblr-9983	1180	3	reinforce	reinforce	VERB
cblr-9983	1180	4	the	the	DET
cblr-9983	1180	5	importance	importance	NOUN
cblr-9983	1180	6	of	of	ADP
cblr-9983	1180	7	institutions	institution	NOUN
cblr-9983	1180	8	having	have	VERB
cblr-9983	1180	9	sound	sound	ADJ
cblr-9983	1180	10	risk	risk	NOUN
cblr-9983	1180	11	management	management	NOUN
cblr-9983	1180	12	systems	system	NOUN
cblr-9983	1180	13	.	.	PUNCT
cblr-9983	1181	1	uniform	uniform	ADJ
cblr-9983	1181	2	financial	financial	ADJ
cblr-9983	1181	3	institutions	institution	NOUN
cblr-9983	1181	4	rating	rating	NOUN
cblr-9983	1181	5	system	system	NOUN
cblr-9983	1181	6	,	,	PUNCT
cblr-9983	1181	7	61	61	NUM
cblr-9983	1181	8	fed	feed	VERB
cblr-9983	1181	9	.	.	PUNCT
cblr-9983	1182	1	reg	reg	PROPN
cblr-9983	1182	2	.	.	PROPN
cblr-9983	1182	3	67,021	67,021	NUM
cblr-9983	1182	4	,	,	PUNCT
cblr-9983	1182	5	67,023	67,023	NUM
cblr-9983	1182	6	(	(	PUNCT
cblr-9983	1182	7	notice	notice	VERB
cblr-9983	1182	8	dec	dec	PROPN
cblr-9983	1182	9	.	.	PROPN
cblr-9983	1182	10	19	19	NUM
cblr-9983	1182	11	,	,	PUNCT
cblr-9983	1182	12	1996	1996	NUM
cblr-9983	1182	13	)	)	PUNCT
cblr-9983	1182	14	.	.	PUNCT
cblr-9983	1183	1	195	195	NUM
cblr-9983	1183	2	tahyar	tahyar	NOUN
cblr-9983	1183	3	testimony	testimony	NOUN
cblr-9983	1183	4	,	,	PUNCT
cblr-9983	1183	5	supra	supra	ADJ
cblr-9983	1183	6	note	note	NOUN
cblr-9983	1183	7	9	9	NUM
cblr-9983	1183	8	,	,	PUNCT
cblr-9983	1183	9	at	at	ADP
cblr-9983	1183	10	43	43	NUM
cblr-9983	1183	11	.	.	PUNCT
cblr-9983	1183	12	196	196	NUM
cblr-9983	1183	13	see	see	VERB
cblr-9983	1183	14	julie	julie	PROPN
cblr-9983	1183	15	anderson	anderson	PROPN
cblr-9983	1183	16	hill	hill	PROPN
cblr-9983	1183	17	,	,	PUNCT
cblr-9983	1183	18	when	when	SCONJ
cblr-9983	1183	19	bank	bank	NOUN
cblr-9983	1183	20	examiners	examiner	NOUN
cblr-9983	1183	21	get	get	VERB
cblr-9983	1183	22	it	it	PRON
cblr-9983	1183	23	wrong	wrong	ADJ
cblr-9983	1183	24	:	:	PUNCT
cblr-9983	1183	25	financial	financial	ADJ
cblr-9983	1183	26	institution	institution	NOUN
cblr-9983	1183	27	appeals	appeal	NOUN
cblr-9983	1183	28	of	of	ADP
cblr-9983	1183	29	material	material	ADJ
cblr-9983	1183	30	supervisory	supervisory	ADJ
cblr-9983	1183	31	determinations	determination	NOUN
cblr-9983	1183	32	,	,	PUNCT
cblr-9983	1183	33	92	92	NUM
cblr-9983	1183	34	wash	wash	NOUN
cblr-9983	1183	35	.	.	PUNCT
cblr-9983	1184	1	u.	u.	PROPN
cblr-9983	1184	2	l.	l.	PROPN
cblr-9983	1184	3	rev	rev	PROPN
cblr-9983	1184	4	.	.	PROPN
cblr-9983	1184	5	1101	1101	NUM
cblr-9983	1184	6	,	,	PUNCT
cblr-9983	1184	7	1160	1160	NUM
cblr-9983	1184	8	(	(	PUNCT
cblr-9983	1184	9	2015	2015	NUM
cblr-9983	1184	10	)	)	PUNCT
cblr-9983	1185	1	(	(	PUNCT
cblr-9983	1185	2	arguing	argue	VERB
cblr-9983	1185	3	the	the	DET
cblr-9983	1185	4	appeals	appeal	NOUN
cblr-9983	1185	5	process	process	NOUN
cblr-9983	1185	6	lacks	lack	VERB
cblr-9983	1185	7	consistency	consistency	NOUN
cblr-9983	1185	8	among	among	ADP
cblr-9983	1185	9	regulators	regulator	NOUN
cblr-9983	1185	10	,	,	PUNCT
cblr-9983	1185	11	results	result	NOUN
cblr-9983	1185	12	in	in	ADP
cblr-9983	1185	13	few	few	ADJ
cblr-9983	1185	14	appeals	appeal	NOUN
cblr-9983	1185	15	,	,	PUNCT
cblr-9983	1185	16	and	and	CCONJ
cblr-9983	1185	17	lacks	lack	VERB
cblr-9983	1185	18	transparency	transparency	NOUN
cblr-9983	1185	19	)	)	PUNCT
cblr-9983	1185	20	.	.	PUNCT
cblr-9983	1186	1	197	197	NUM
cblr-9983	1186	2	two	two	NUM
cblr-9983	1186	3	bank	bank	NOUN
cblr-9983	1186	4	trade	trade	NOUN
cblr-9983	1186	5	associations	association	NOUN
cblr-9983	1186	6	have	have	AUX
cblr-9983	1186	7	suggested	suggest	VERB
cblr-9983	1186	8	,	,	PUNCT
cblr-9983	1186	9	though	though	SCONJ
cblr-9983	1186	10	not	not	PART
cblr-9983	1186	11	quite	quite	ADV
cblr-9983	1186	12	said	say	VERB
cblr-9983	1186	13	,	,	PUNCT
cblr-9983	1186	14	that	that	SCONJ
cblr-9983	1186	15	it	it	PRON
cblr-9983	1186	16	is	be	AUX
cblr-9983	1186	17	illegal	illegal	ADJ
cblr-9983	1186	18	for	for	SCONJ
cblr-9983	1186	19	a	a	DET
cblr-9983	1186	20	banking	banking	NOUN
cblr-9983	1186	21	agency	agency	NOUN
cblr-9983	1186	22	to	to	PART
cblr-9983	1186	23	downgrade	downgrade	VERB
cblr-9983	1186	24	the	the	DET
cblr-9983	1186	25	rating	rating	NOUN
cblr-9983	1186	26	of	of	ADP
cblr-9983	1186	27	a	a	DET
cblr-9983	1186	28	bank	bank	NOUN
cblr-9983	1186	29	based	base	VERB
cblr-9983	1186	30	on	on	ADP
cblr-9983	1186	31	anything	anything	PRON
cblr-9983	1186	32	other	other	ADJ
cblr-9983	1186	33	than	than	ADP
cblr-9983	1186	34	a	a	DET
cblr-9983	1186	35	violation	violation	NOUN
cblr-9983	1186	36	of	of	ADP
cblr-9983	1186	37	law	law	NOUN
cblr-9983	1186	38	—	—	PUNCT
cblr-9983	1186	39	meaning	mean	VERB
cblr-9983	1186	40	either	either	CCONJ
cblr-9983	1186	41	contravention	contravention	NOUN
cblr-9983	1186	42	of	of	ADP
cblr-9983	1186	43	a	a	DET
cblr-9983	1186	44	statute	statute	NOUN
cblr-9983	1186	45	or	or	CCONJ
cblr-9983	1186	46	regulatory	regulatory	ADJ
cblr-9983	1186	47	rule	rule	NOUN
cblr-9983	1186	48	,	,	PUNCT
cblr-9983	1186	49	or	or	CCONJ
cblr-9983	1186	50	a	a	DET
cblr-9983	1186	51	practice	practice	NOUN
cblr-9983	1186	52	serious	serious	ADJ
cblr-9983	1186	53	enough	enough	ADV
cblr-9983	1186	54	to	to	ADP
cblr-9983	1186	55	no	no	NOUN
cblr-9983	1186	56	.	.	PUNCT
cblr-9983	1187	1	1:279	1:279	NOUN
cblr-9983	1187	2	]	]	X
cblr-9983	1187	3	bank	bank	NOUN
cblr-9983	1187	4	supervision	supervision	NOUN
cblr-9983	1187	5	and	and	CCONJ
cblr-9983	1187	6	administrative	administrative	ADJ
cblr-9983	1187	7	law	law	NOUN
cblr-9983	1187	8	343	343	NUM
cblr-9983	1187	9	a	a	DET
cblr-9983	1187	10	recent	recent	ADJ
cblr-9983	1187	11	seventh	seventh	ADJ
cblr-9983	1187	12	circuit	circuit	NOUN
cblr-9983	1187	13	case	case	NOUN
cblr-9983	1187	14	has	have	AUX
cblr-9983	1187	15	raised	raise	VERB
cblr-9983	1187	16	hopes	hope	NOUN
cblr-9983	1187	17	among	among	ADP
cblr-9983	1187	18	some	some	DET
cblr-9983	1187	19	banking	banking	NOUN
cblr-9983	1187	20	interests	interest	NOUN
cblr-9983	1187	21	that	that	PRON
cblr-9983	1187	22	courts	court	NOUN
cblr-9983	1187	23	may	may	AUX
cblr-9983	1187	24	be	be	AUX
cblr-9983	1187	25	willing	willing	ADJ
cblr-9983	1187	26	to	to	PART
cblr-9983	1187	27	review	review	VERB
cblr-9983	1187	28	at	at	ADP
cblr-9983	1187	29	least	least	ADJ
cblr-9983	1187	30	the	the	DET
cblr-9983	1187	31	non	non	ADJ
cblr-9983	1187	32	-	-	ADJ
cblr-9983	1187	33	capital	capital	ADJ
cblr-9983	1187	34	elements	element	NOUN
cblr-9983	1187	35	of	of	ADP
cblr-9983	1187	36	supervisory	supervisory	ADJ
cblr-9983	1187	37	ratings	rating	NOUN
cblr-9983	1187	38	.	.	PUNCT
cblr-9983	1188	1	in	in	ADP
cblr-9983	1188	2	builders	builder	NOUN
cblr-9983	1188	3	bank	bank	PROPN
cblr-9983	1188	4	v.	v.	INTJ
cblr-9983	1188	5	fdic,198	fdic,198	PROPN
cblr-9983	1188	6	the	the	DET
cblr-9983	1188	7	court	court	NOUN
cblr-9983	1188	8	reversed	reverse	VERB
cblr-9983	1188	9	the	the	DET
cblr-9983	1188	10	district	district	NOUN
cblr-9983	1188	11	court	court	NOUN
cblr-9983	1188	12	’s	’s	PART
cblr-9983	1188	13	dismissal	dismissal	NOUN
cblr-9983	1188	14	of	of	ADP
cblr-9983	1188	15	the	the	DET
cblr-9983	1188	16	case	case	NOUN
cblr-9983	1188	17	for	for	ADP
cblr-9983	1188	18	lack	lack	NOUN
cblr-9983	1188	19	of	of	ADP
cblr-9983	1188	20	jurisdiction	jurisdiction	NOUN
cblr-9983	1188	21	and	and	CCONJ
cblr-9983	1188	22	rejected	reject	VERB
cblr-9983	1188	23	the	the	DET
cblr-9983	1188	24	fdic	fdic	PROPN
cblr-9983	1188	25	’s	’s	PART
cblr-9983	1188	26	alternative	alternative	ADJ
cblr-9983	1188	27	argument	argument	NOUN
cblr-9983	1188	28	for	for	ADP
cblr-9983	1188	29	dismissal	dismissal	NOUN
cblr-9983	1188	30	that	that	SCONJ
cblr-9983	1188	31	,	,	PUNCT
cblr-9983	1188	32	under	under	ADP
cblr-9983	1188	33	the	the	DET
cblr-9983	1188	34	doctrine	doctrine	NOUN
cblr-9983	1188	35	enunciated	enunciate	VERB
cblr-9983	1188	36	in	in	ADP
cblr-9983	1188	37	heckler	heckler	NOUN
cblr-9983	1188	38	v.	v.	ADP
cblr-9983	1188	39	chaney	chaney	PROPN
cblr-9983	1188	40	,	,	PUNCT
cblr-9983	1188	41	there	there	PRON
cblr-9983	1188	42	was	be	VERB
cblr-9983	1188	43	“	"	PUNCT
cblr-9983	1188	44	no	no	DET
cblr-9983	1188	45	meaningful	meaningful	ADJ
cblr-9983	1188	46	standard	standard	NOUN
cblr-9983	1188	47	against	against	ADP
cblr-9983	1188	48	which	which	PRON
cblr-9983	1188	49	to	to	PART
cblr-9983	1188	50	judge	judge	VERB
cblr-9983	1188	51	the	the	DET
cblr-9983	1188	52	agency	agency	NOUN
cblr-9983	1188	53	’s	’s	PART
cblr-9983	1188	54	exercise	exercise	NOUN
cblr-9983	1188	55	of	of	ADP
cblr-9983	1188	56	discretion	discretion	NOUN
cblr-9983	1188	57	.	.	PUNCT
cblr-9983	1189	1	”199	”199	PROPN
cblr-9983	1189	2	writing	write	VERB
cblr-9983	1189	3	for	for	ADP
cblr-9983	1189	4	the	the	DET
cblr-9983	1189	5	court	court	NOUN
cblr-9983	1189	6	,	,	PUNCT
cblr-9983	1189	7	judge	judge	PROPN
cblr-9983	1189	8	easterbrook	easterbrook	PROPN
cblr-9983	1189	9	took	take	VERB
cblr-9983	1189	10	note	note	NOUN
cblr-9983	1189	11	of	of	ADP
cblr-9983	1189	12	frontier	frontier	NOUN
cblr-9983	1189	13	state	state	PROPN
cblr-9983	1189	14	bank	bank	PROPN
cblr-9983	1189	15	,	,	PUNCT
cblr-9983	1189	16	oklahoma	oklahoma	PROPN
cblr-9983	1189	17	city	city	PROPN
cblr-9983	1189	18	v.	v.	ADP
cblr-9983	1189	19	fdic,200	fdic,200	PROPN
cblr-9983	1189	20	the	the	DET
cblr-9983	1189	21	tenth	tenth	ADJ
cblr-9983	1189	22	circuit	circuit	NOUN
cblr-9983	1189	23	decision	decision	NOUN
cblr-9983	1189	24	holding	hold	VERB
cblr-9983	1189	25	that	that	DET
cblr-9983	1189	26	agency	agency	NOUN
cblr-9983	1189	27	decisions	decision	NOUN
cblr-9983	1189	28	on	on	ADP
cblr-9983	1189	29	bank	bank	NOUN
cblr-9983	1189	30	capital	capital	NOUN
cblr-9983	1189	31	requirements	requirement	NOUN
cblr-9983	1189	32	were	be	AUX
cblr-9983	1189	33	committed	commit	VERB
cblr-9983	1189	34	to	to	ADP
cblr-9983	1189	35	agency	agency	NOUN
cblr-9983	1189	36	discretion.201	discretion.201	VERB
cblr-9983	1189	37	after	after	ADP
cblr-9983	1189	38	reaching	reach	VERB
cblr-9983	1189	39	that	that	DET
cblr-9983	1189	40	conclusion	conclusion	NOUN
cblr-9983	1189	41	,	,	PUNCT
cblr-9983	1189	42	the	the	DET
cblr-9983	1189	43	court	court	NOUN
cblr-9983	1189	44	constitute	constitute	VERB
cblr-9983	1189	45	an	an	DET
cblr-9983	1189	46	“	"	PUNCT
cblr-9983	1189	47	unsafe	unsafe	ADJ
cblr-9983	1189	48	or	or	CCONJ
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cblr-9983	1189	52	within	within	ADP
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cblr-9983	1189	55	of	of	ADP
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cblr-9983	1189	57	u.s.c	u.s.c	ADJ
cblr-9983	1189	58	.	.	PUNCT
cblr-9983	1190	1	§	§	PROPN
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cblr-9983	1190	4	.	.	PUNCT
cblr-9983	1191	1	letter	letter	NOUN
cblr-9983	1191	2	from	from	ADP
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cblr-9983	1191	4	a.	a.	PROPN
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cblr-9983	1191	8	,	,	PUNCT
cblr-9983	1191	9	bank	bank	NOUN
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cblr-9983	1191	11	inst	inst	PROPN
cblr-9983	1191	12	.	.	PROPN
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cblr-9983	1191	14	rob	rob	PROPN
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cblr-9983	1191	16	,	,	PUNCT
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cblr-9983	1192	1	bankers	bankers	PROPN
cblr-9983	1192	2	assoc	assoc	PROPN
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cblr-9983	1193	9	bureau	bureau	PROPN
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cblr-9983	1195	1	(	(	PUNCT
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cblr-9983	1195	8	,	,	PUNCT
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cblr-9983	1196	5	letter	letter	NOUN
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cblr-9983	1196	22	,	,	PUNCT
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cblr-9983	1198	1	to	to	ADP
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cblr-9983	1199	1	sec’y	sec’y	PROPN
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cblr-9983	1200	1	deposit	deposit	PROPN
cblr-9983	1200	2	ins	ins	PROPN
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cblr-9983	1200	13	,	,	PUNCT
cblr-9983	1200	14	https://www.aba.com/-/media/documents/letters-to-congress-andregulators/bpi-aba-joint-pfr-on-supervisory-guidancefdic.pdf?rev=10ba04e070ee4a36914d0e282cf9a669	https://www.aba.com/-/media/documents/letters-to-congress-andregulators/bpi-aba-joint-pfr-on-supervisory-guidancefdic.pdf?rev=10ba04e070ee4a36914d0e282cf9a669	NOUN
cblr-9983	1201	1	[	[	X
cblr-9983	1201	2	https://perma.cc/y86h77l3	https://perma.cc/y86h77l3	X
cblr-9983	1201	3	]	]	X
cblr-9983	1201	4	.	.	PUNCT
cblr-9983	1202	1	this	this	DET
cblr-9983	1202	2	position	position	NOUN
cblr-9983	1202	3	may	may	AUX
cblr-9983	1202	4	actually	actually	ADV
cblr-9983	1202	5	be	be	AUX
cblr-9983	1202	6	a	a	DET
cblr-9983	1202	7	lobbying	lobbying	NOUN
cblr-9983	1202	8	request	request	NOUN
cblr-9983	1202	9	for	for	ADP
cblr-9983	1202	10	something	something	PRON
cblr-9983	1202	11	within	within	ADP
cblr-9983	1202	12	the	the	DET
cblr-9983	1202	13	discretion	discretion	NOUN
cblr-9983	1202	14	of	of	ADP
cblr-9983	1202	15	the	the	DET
cblr-9983	1202	16	banking	banking	NOUN
cblr-9983	1202	17	agencies	agency	NOUN
cblr-9983	1202	18	.	.	PUNCT
cblr-9983	1203	1	if	if	SCONJ
cblr-9983	1203	2	it	it	PRON
cblr-9983	1203	3	is	be	AUX
cblr-9983	1203	4	indeed	indeed	ADV
cblr-9983	1203	5	intended	intend	VERB
cblr-9983	1203	6	as	as	ADP
cblr-9983	1203	7	a	a	DET
cblr-9983	1203	8	statement	statement	NOUN
cblr-9983	1203	9	of	of	ADP
cblr-9983	1203	10	what	what	PRON
cblr-9983	1203	11	current	current	ADJ
cblr-9983	1203	12	law	law	NOUN
cblr-9983	1203	13	requires	require	VERB
cblr-9983	1203	14	,	,	PUNCT
cblr-9983	1203	15	however	however	ADV
cblr-9983	1203	16	,	,	PUNCT
cblr-9983	1203	17	it	it	PRON
cblr-9983	1203	18	is	be	AUX
cblr-9983	1203	19	extremely	extremely	ADV
cblr-9983	1203	20	difficult	difficult	ADJ
cblr-9983	1203	21	to	to	PART
cblr-9983	1203	22	square	square	VERB
cblr-9983	1203	23	with	with	ADP
cblr-9983	1203	24	the	the	DET
cblr-9983	1203	25	creation	creation	NOUN
cblr-9983	1203	26	and	and	CCONJ
cblr-9983	1203	27	regular	regular	ADJ
cblr-9983	1203	28	reaffirmation	reaffirmation	NOUN
cblr-9983	1203	29	by	by	ADP
cblr-9983	1203	30	congress	congress	PROPN
cblr-9983	1203	31	of	of	ADP
cblr-9983	1203	32	the	the	DET
cblr-9983	1203	33	uniform	uniform	ADJ
cblr-9983	1203	34	ratings	rating	NOUN
cblr-9983	1203	35	system	system	NOUN
cblr-9983	1203	36	.	.	PUNCT
cblr-9983	1204	1	nowhere	nowhere	ADV
cblr-9983	1204	2	do	do	VERB
cblr-9983	1204	3	12	12	NUM
cblr-9983	1204	4	u.s.c	u.s.c	ADJ
cblr-9983	1204	5	.	.	PUNCT
cblr-9983	1205	1	§	§	PROPN
cblr-9983	1205	2	3305	3305	NUM
cblr-9983	1205	3	and	and	CCONJ
cblr-9983	1205	4	other	other	ADJ
cblr-9983	1205	5	statutory	statutory	ADJ
cblr-9983	1205	6	provisions	provision	NOUN
cblr-9983	1205	7	referencing	reference	VERB
cblr-9983	1205	8	supervisory	supervisory	ADJ
cblr-9983	1205	9	ratings	rating	NOUN
cblr-9983	1205	10	state	state	NOUN
cblr-9983	1205	11	or	or	CCONJ
cblr-9983	1205	12	imply	imply	VERB
cblr-9983	1205	13	that	that	SCONJ
cblr-9983	1205	14	ratings	rating	NOUN
cblr-9983	1205	15	are	be	AUX
cblr-9983	1205	16	dependent	dependent	ADJ
cblr-9983	1205	17	on	on	ADP
cblr-9983	1205	18	the	the	DET
cblr-9983	1205	19	standards	standard	NOUN
cblr-9983	1205	20	for	for	ADP
cblr-9983	1205	21	cease	cease	NOUN
cblr-9983	1205	22	-	-	PUNCT
cblr-9983	1205	23	and	and	CCONJ
cblr-9983	1205	24	-	-	PUNCT
cblr-9983	1205	25	desist	desist	VERB
cblr-9983	1205	26	orders	order	NOUN
cblr-9983	1205	27	in	in	ADP
cblr-9983	1205	28	§	§	PROPN
cblr-9983	1205	29	1818(b	1818(b	NUM
cblr-9983	1205	30	)	)	PUNCT
cblr-9983	1205	31	.	.	PUNCT
cblr-9983	1206	1	on	on	ADP
cblr-9983	1206	2	the	the	DET
cblr-9983	1206	3	contrary	contrary	NOUN
cblr-9983	1206	4	,	,	PUNCT
cblr-9983	1206	5	if	if	SCONJ
cblr-9983	1206	6	that	that	PRON
cblr-9983	1206	7	were	be	AUX
cblr-9983	1206	8	the	the	DET
cblr-9983	1206	9	case	case	NOUN
cblr-9983	1206	10	,	,	PUNCT
cblr-9983	1206	11	ratings	rating	NOUN
cblr-9983	1206	12	would	would	AUX
cblr-9983	1206	13	be	be	AUX
cblr-9983	1206	14	largely	largely	ADV
cblr-9983	1206	15	superfluous	superfluous	ADJ
cblr-9983	1206	16	.	.	PUNCT
cblr-9983	1207	1	that	that	PRON
cblr-9983	1207	2	is	be	AUX
cblr-9983	1207	3	,	,	PUNCT
cblr-9983	1207	4	if	if	SCONJ
cblr-9983	1207	5	congress	congress	PROPN
cblr-9983	1207	6	intended	intend	VERB
cblr-9983	1207	7	the	the	DET
cblr-9983	1207	8	position	position	NOUN
cblr-9983	1207	9	favored	favor	VERB
cblr-9983	1207	10	by	by	ADP
cblr-9983	1207	11	the	the	DET
cblr-9983	1207	12	bank	bank	NOUN
cblr-9983	1207	13	trade	trade	NOUN
cblr-9983	1207	14	associations	association	NOUN
cblr-9983	1207	15	,	,	PUNCT
cblr-9983	1207	16	it	it	PRON
cblr-9983	1207	17	could	could	AUX
cblr-9983	1207	18	simply	simply	ADV
cblr-9983	1207	19	have	have	AUX
cblr-9983	1207	20	made	make	VERB
cblr-9983	1207	21	the	the	DET
cblr-9983	1207	22	limitations	limitation	NOUN
cblr-9983	1207	23	on	on	ADP
cblr-9983	1207	24	financial	financial	ADJ
cblr-9983	1207	25	holding	hold	VERB
cblr-9983	1207	26	companies	company	NOUN
cblr-9983	1207	27	provided	provide	VERB
cblr-9983	1207	28	for	for	ADP
cblr-9983	1207	29	in	in	ADP
cblr-9983	1207	30	§	§	PROPN
cblr-9983	1207	31	1843(m	1843(m	NOUN
cblr-9983	1207	32	)	)	PUNCT
cblr-9983	1207	33	flow	flow	NOUN
cblr-9983	1207	34	from	from	ADP
cblr-9983	1207	35	an	an	DET
cblr-9983	1207	36	adjudicated	adjudicate	VERB
cblr-9983	1207	37	violation	violation	NOUN
cblr-9983	1207	38	of	of	ADP
cblr-9983	1207	39	§	§	PROPN
cblr-9983	1207	40	1818	1818	NUM
cblr-9983	1207	41	,	,	PUNCT
cblr-9983	1207	42	rather	rather	ADV
cblr-9983	1207	43	than	than	ADP
cblr-9983	1207	44	as	as	ADP
cblr-9983	1207	45	a	a	DET
cblr-9983	1207	46	result	result	NOUN
cblr-9983	1207	47	of	of	ADP
cblr-9983	1207	48	a	a	DET
cblr-9983	1207	49	bank	bank	NOUN
cblr-9983	1207	50	receiving	receive	VERB
cblr-9983	1207	51	a	a	DET
cblr-9983	1207	52	rating	rating	NOUN
cblr-9983	1207	53	below	below	ADP
cblr-9983	1207	54	a	a	DET
cblr-9983	1207	55	2	2	NUM
cblr-9983	1207	56	.	.	SYM
cblr-9983	1207	57	198	198	NUM
cblr-9983	1207	58	846	846	NUM
cblr-9983	1207	59	f.3d	f.3d	NUM
cblr-9983	1207	60	272	272	NUM
cblr-9983	1207	61	,	,	PUNCT
cblr-9983	1207	62	274	274	NUM
cblr-9983	1207	63	(	(	PUNCT
cblr-9983	1207	64	7th	7th	ADJ
cblr-9983	1207	65	cir	cir	NOUN
cblr-9983	1207	66	.	.	PROPN
cblr-9983	1207	67	2017	2017	NUM
cblr-9983	1207	68	)	)	PUNCT
cblr-9983	1207	69	.	.	PUNCT
cblr-9983	1208	1	199	199	NUM
cblr-9983	1208	2	heckler	heckler	NOUN
cblr-9983	1208	3	v.	v.	ADP
cblr-9983	1208	4	chaney	chaney	PROPN
cblr-9983	1208	5	,	,	PUNCT
cblr-9983	1208	6	471	471	NUM
cblr-9983	1208	7	u.s	u.s	PROPN
cblr-9983	1208	8	.	.	PROPN
cblr-9983	1208	9	821	821	NUM
cblr-9983	1208	10	,	,	PUNCT
cblr-9983	1208	11	830	830	NUM
cblr-9983	1208	12	(	(	PUNCT
cblr-9983	1208	13	1985	1985	NUM
cblr-9983	1208	14	)	)	PUNCT
cblr-9983	1208	15	.	.	PUNCT
cblr-9983	1209	1	200	200	NUM
cblr-9983	1209	2	702	702	NUM
cblr-9983	1209	3	f.3d	f.3d	NUM
cblr-9983	1209	4	588	588	NUM
cblr-9983	1209	5	,	,	PUNCT
cblr-9983	1209	6	594	594	NUM
cblr-9983	1209	7	(	(	PUNCT
cblr-9983	1209	8	10th	10th	ADJ
cblr-9983	1209	9	cir	cir	NOUN
cblr-9983	1209	10	.	.	PROPN
cblr-9983	1209	11	2012	2012	NUM
cblr-9983	1209	12	)	)	PUNCT
cblr-9983	1209	13	.	.	PUNCT
cblr-9983	1210	1	201	201	NUM
cblr-9983	1210	2	builders	builder	NOUN
cblr-9983	1210	3	bank	bank	NOUN
cblr-9983	1210	4	,	,	PUNCT
cblr-9983	1210	5	846	846	NUM
cblr-9983	1210	6	f.3d	f.3d	NUM
cblr-9983	1210	7	at	at	ADP
cblr-9983	1210	8	276	276	NUM
cblr-9983	1210	9	(	(	PUNCT
cblr-9983	1210	10	citing	cite	VERB
cblr-9983	1210	11	frontier	frontier	NOUN
cblr-9983	1210	12	state	state	PROPN
cblr-9983	1210	13	bank	bank	NOUN
cblr-9983	1210	14	,	,	PUNCT
cblr-9983	1210	15	702	702	NUM
cblr-9983	1210	16	f.3d	f.3d	NUM
cblr-9983	1210	17	at	at	ADP
cblr-9983	1210	18	597–604	597–604	NUM
cblr-9983	1210	19	)	)	PUNCT
cblr-9983	1210	20	.	.	PUNCT
cblr-9983	1211	1	344	344	NUM
cblr-9983	1211	2	columbia	columbia	PROPN
cblr-9983	1211	3	business	business	NOUN
cblr-9983	1211	4	law	law	PROPN
cblr-9983	1211	5	review	review	NOUN
cblr-9983	1212	1	[	[	X
cblr-9983	1212	2	vol	vol	NOUN
cblr-9983	1212	3	.	.	PUNCT
cblr-9983	1212	4	2022	2022	NUM
cblr-9983	1212	5	had	have	AUX
cblr-9983	1212	6	considered	consider	VERB
cblr-9983	1212	7	on	on	ADP
cblr-9983	1212	8	the	the	DET
cblr-9983	1212	9	merits	merit	NOUN
cblr-9983	1212	10	whether	whether	SCONJ
cblr-9983	1212	11	certain	certain	ADJ
cblr-9983	1212	12	portions	portion	NOUN
cblr-9983	1212	13	of	of	ADP
cblr-9983	1212	14	a	a	DET
cblr-9983	1212	15	cease	cease	NOUN
cblr-9983	1212	16	-	-	PUNCT
cblr-9983	1212	17	and	and	CCONJ
cblr-9983	1212	18	-	-	PUNCT
cblr-9983	1212	19	desist	desist	VERB
cblr-9983	1212	20	order	order	NOUN
cblr-9983	1212	21	unrelated	unrelated	ADJ
cblr-9983	1212	22	to	to	ADP
cblr-9983	1212	23	capital	capital	NOUN
cblr-9983	1212	24	requirements	requirement	NOUN
cblr-9983	1212	25	should	should	AUX
cblr-9983	1212	26	be	be	AUX
cblr-9983	1212	27	set	set	VERB
cblr-9983	1212	28	aside	aside	ADV
cblr-9983	1212	29	as	as	ADV
cblr-9983	1212	30	arbitrary	arbitrary	ADJ
cblr-9983	1212	31	and	and	CCONJ
cblr-9983	1212	32	capricious.202	capricious.202	PROPN
cblr-9983	1212	33	judge	judge	PROPN
cblr-9983	1212	34	easterbrook	easterbrook	PROPN
cblr-9983	1212	35	reasoned	reason	VERB
cblr-9983	1212	36	that	that	SCONJ
cblr-9983	1212	37	the	the	DET
cblr-9983	1212	38	same	same	ADJ
cblr-9983	1212	39	distinction	distinction	NOUN
cblr-9983	1212	40	between	between	ADP
cblr-9983	1212	41	capital	capital	NOUN
cblr-9983	1212	42	and	and	CCONJ
cblr-9983	1212	43	non	non	ADJ
cblr-9983	1212	44	-	-	ADJ
cblr-9983	1212	45	capital	capital	ADJ
cblr-9983	1212	46	issues	issue	NOUN
cblr-9983	1212	47	could	could	AUX
cblr-9983	1212	48	open	open	VERB
cblr-9983	1212	49	the	the	DET
cblr-9983	1212	50	door	door	NOUN
cblr-9983	1212	51	for	for	ADP
cblr-9983	1212	52	review	review	NOUN
cblr-9983	1212	53	of	of	ADP
cblr-9983	1212	54	ratings	rating	NOUN
cblr-9983	1212	55	elements	element	NOUN
cblr-9983	1212	56	unrelated	unrelated	ADJ
cblr-9983	1212	57	to	to	ADP
cblr-9983	1212	58	capital	capital	NOUN
cblr-9983	1212	59	adequacy.203	adequacy.203	ADJ
cblr-9983	1212	60	builders	builder	NOUN
cblr-9983	1212	61	bank	bank	NOUN
cblr-9983	1212	62	was	be	AUX
cblr-9983	1212	63	hailed	hail	VERB
cblr-9983	1212	64	as	as	ADP
cblr-9983	1212	65	a	a	DET
cblr-9983	1212	66	potentially	potentially	ADV
cblr-9983	1212	67	“	"	PUNCT
cblr-9983	1212	68	significant	significant	ADJ
cblr-9983	1212	69	victory	victory	NOUN
cblr-9983	1212	70	for	for	ADP
cblr-9983	1212	71	the	the	DET
cblr-9983	1212	72	banking	banking	NOUN
cblr-9983	1212	73	industry	industry	NOUN
cblr-9983	1212	74	.	.	PUNCT
cblr-9983	1213	1	”204	”204	PROPN
cblr-9983	1214	1	the	the	DET
cblr-9983	1214	2	holding	holding	NOUN
cblr-9983	1214	3	,	,	PUNCT
cblr-9983	1214	4	as	as	ADV
cblr-9983	1214	5	carefully	carefully	ADV
cblr-9983	1214	6	phrased	phrase	VERB
cblr-9983	1214	7	by	by	ADP
cblr-9983	1214	8	judge	judge	PROPN
cblr-9983	1214	9	easterbrook	easterbrook	PROPN
cblr-9983	1214	10	,	,	PUNCT
cblr-9983	1214	11	is	be	AUX
cblr-9983	1214	12	certainly	certainly	ADV
cblr-9983	1214	13	defensible	defensible	ADJ
cblr-9983	1214	14	.	.	PUNCT
cblr-9983	1215	1	but	but	CCONJ
cblr-9983	1215	2	it	it	PRON
cblr-9983	1215	3	seems	seem	VERB
cblr-9983	1215	4	unlikely	unlikely	ADJ
cblr-9983	1215	5	that	that	SCONJ
cblr-9983	1215	6	it	it	PRON
cblr-9983	1215	7	will	will	AUX
cblr-9983	1215	8	meaningfully	meaningfully	ADV
cblr-9983	1215	9	increase	increase	VERB
cblr-9983	1215	10	banks	bank	NOUN
cblr-9983	1215	11	’	'	PUNCT
cblr-9983	1215	12	ability	ability	NOUN
cblr-9983	1215	13	to	to	PART
cblr-9983	1215	14	challenge	challenge	VERB
cblr-9983	1215	15	supervisory	supervisory	ADJ
cblr-9983	1215	16	ratings	rating	NOUN
cblr-9983	1215	17	successfully	successfully	ADV
cblr-9983	1215	18	,	,	PUNCT
cblr-9983	1215	19	for	for	ADP
cblr-9983	1215	20	four	four	NUM
cblr-9983	1215	21	reasons	reason	NOUN
cblr-9983	1215	22	.	.	PUNCT
cblr-9983	1216	1	first	first	ADV
cblr-9983	1216	2	,	,	PUNCT
cblr-9983	1216	3	the	the	DET
cblr-9983	1216	4	seventh	seventh	ADJ
cblr-9983	1216	5	circuit	circuit	NOUN
cblr-9983	1216	6	concluded	conclude	VERB
cblr-9983	1216	7	little	little	ADJ
cblr-9983	1216	8	beyond	beyond	ADP
cblr-9983	1216	9	the	the	DET
cblr-9983	1216	10	absence	absence	NOUN
cblr-9983	1216	11	of	of	ADP
cblr-9983	1216	12	a	a	DET
cblr-9983	1216	13	clear	clear	ADJ
cblr-9983	1216	14	bar	bar	NOUN
cblr-9983	1216	15	to	to	ADP
cblr-9983	1216	16	judicial	judicial	ADJ
cblr-9983	1216	17	review	review	NOUN
cblr-9983	1216	18	of	of	ADP
cblr-9983	1216	19	non	non	ADJ
cblr-9983	1216	20	-	-	ADJ
cblr-9983	1216	21	capital	capital	ADJ
cblr-9983	1216	22	camels	camel	NOUN
cblr-9983	1216	23	elements	element	NOUN
cblr-9983	1216	24	.	.	PUNCT
cblr-9983	1217	1	the	the	DET
cblr-9983	1217	2	court	court	NOUN
cblr-9983	1217	3	left	leave	VERB
cblr-9983	1217	4	open	open	VERB
cblr-9983	1217	5	the	the	DET
cblr-9983	1217	6	possibilities	possibility	NOUN
cblr-9983	1217	7	that	that	PRON
cblr-9983	1217	8	one	one	NUM
cblr-9983	1217	9	or	or	CCONJ
cblr-9983	1217	10	more	more	ADJ
cblr-9983	1217	11	other	other	ADJ
cblr-9983	1217	12	elements	element	NOUN
cblr-9983	1217	13	could	could	AUX
cblr-9983	1217	14	be	be	AUX
cblr-9983	1217	15	committed	commit	VERB
cblr-9983	1217	16	to	to	ADP
cblr-9983	1217	17	agency	agency	NOUN
cblr-9983	1217	18	discretion	discretion	NOUN
cblr-9983	1217	19	and	and	CCONJ
cblr-9983	1217	20	that	that	SCONJ
cblr-9983	1217	21	the	the	DET
cblr-9983	1217	22	bank	bank	NOUN
cblr-9983	1217	23	’s	’s	PART
cblr-9983	1217	24	nominal	nominal	ADJ
cblr-9983	1217	25	challenge	challenge	NOUN
cblr-9983	1217	26	to	to	ADP
cblr-9983	1217	27	other	other	ADJ
cblr-9983	1217	28	camels	camel	NOUN
cblr-9983	1217	29	ratings	rating	NOUN
cblr-9983	1217	30	was	be	AUX
cblr-9983	1217	31	in	in	ADP
cblr-9983	1217	32	fact	fact	NOUN
cblr-9983	1217	33	an	an	DET
cblr-9983	1217	34	indirect	indirect	ADJ
cblr-9983	1217	35	challenge	challenge	NOUN
cblr-9983	1217	36	to	to	ADP
cblr-9983	1217	37	the	the	DET
cblr-9983	1217	38	fdic	fdic	PROPN
cblr-9983	1217	39	’s	’s	PART
cblr-9983	1217	40	conclusion	conclusion	NOUN
cblr-9983	1217	41	on	on	ADP
cblr-9983	1217	42	capital	capital	NOUN
cblr-9983	1217	43	adequacy.205	adequacy.205	PRON
cblr-9983	1217	44	second	second	ADJ
cblr-9983	1217	45	,	,	PUNCT
cblr-9983	1217	46	judge	judge	PROPN
cblr-9983	1217	47	easterbrook	easterbrook	PROPN
cblr-9983	1217	48	questioned	question	VERB
cblr-9983	1217	49	whether	whether	SCONJ
cblr-9983	1217	50	the	the	DET
cblr-9983	1217	51	assignment	assignment	NOUN
cblr-9983	1217	52	of	of	ADP
cblr-9983	1217	53	a	a	DET
cblr-9983	1217	54	rating	rating	NOUN
cblr-9983	1217	55	was	be	AUX
cblr-9983	1217	56	a	a	DET
cblr-9983	1217	57	“	"	PUNCT
cblr-9983	1217	58	final	final	ADJ
cblr-9983	1217	59	administrative	administrative	ADJ
cblr-9983	1217	60	action	action	NOUN
cblr-9983	1217	61	”	"	PUNCT
cblr-9983	1217	62	within	within	ADP
cblr-9983	1217	63	the	the	DET
cblr-9983	1217	64	meaning	meaning	NOUN
cblr-9983	1217	65	of	of	ADP
cblr-9983	1217	66	5	5	NUM
cblr-9983	1217	67	u.s.c	u.s.c	ADJ
cblr-9983	1217	68	.	.	PUNCT
cblr-9983	1218	1	§	§	PROPN
cblr-9983	1218	2	704.206	704.206	NUM
cblr-9983	1218	3	he	he	PRON
cblr-9983	1218	4	suggested	suggest	VERB
cblr-9983	1218	5	,	,	PUNCT
cblr-9983	1218	6	without	without	ADP
cblr-9983	1218	7	holding	hold	VERB
cblr-9983	1218	8	,	,	PUNCT
cblr-9983	1218	9	that	that	SCONJ
cblr-9983	1218	10	only	only	ADV
cblr-9983	1218	11	a	a	DET
cblr-9983	1218	12	rating	rating	NOUN
cblr-9983	1218	13	serving	serve	VERB
cblr-9983	1218	14	as	as	ADP
cblr-9983	1218	15	the	the	DET
cblr-9983	1218	16	basis	basis	NOUN
cblr-9983	1218	17	for	for	ADP
cblr-9983	1218	18	a	a	DET
cblr-9983	1218	19	clear	clear	ADJ
cblr-9983	1218	20	legal	legal	ADJ
cblr-9983	1218	21	consequence	consequence	NOUN
cblr-9983	1218	22	would	would	AUX
cblr-9983	1218	23	be	be	AUX
cblr-9983	1218	24	reviewable.207	reviewable.207	NOUN
cblr-9983	1218	25	thus	thus	ADV
cblr-9983	1218	26	,	,	PUNCT
cblr-9983	1218	27	banks	bank	NOUN
cblr-9983	1218	28	202	202	NUM
cblr-9983	1218	29	frontier	frontier	NOUN
cblr-9983	1218	30	state	state	NOUN
cblr-9983	1218	31	bank	bank	NOUN
cblr-9983	1218	32	,	,	PUNCT
cblr-9983	1218	33	702	702	NUM
cblr-9983	1218	34	f.3d	f.3d	NUM
cblr-9983	1218	35	at	at	ADP
cblr-9983	1218	36	597–604	597–604	NUM
cblr-9983	1218	37	.	.	PUNCT
cblr-9983	1219	1	203	203	NUM
cblr-9983	1219	2	builders	builder	NOUN
cblr-9983	1219	3	bank	bank	NOUN
cblr-9983	1219	4	,	,	PUNCT
cblr-9983	1219	5	846	846	NUM
cblr-9983	1219	6	f.3d	f.3d	NUM
cblr-9983	1219	7	at	at	ADP
cblr-9983	1219	8	276	276	NUM
cblr-9983	1219	9	.	.	PUNCT
cblr-9983	1220	1	judge	judge	PROPN
cblr-9983	1220	2	easterbrook	easterbrook	PROPN
cblr-9983	1220	3	also	also	ADV
cblr-9983	1220	4	suggested	suggest	VERB
cblr-9983	1220	5	that	that	SCONJ
cblr-9983	1220	6	obvious	obvious	ADJ
cblr-9983	1220	7	mistakes	mistake	NOUN
cblr-9983	1220	8	in	in	ADP
cblr-9983	1220	9	a	a	DET
cblr-9983	1220	10	banking	banking	NOUN
cblr-9983	1220	11	agency	agency	NOUN
cblr-9983	1220	12	’s	’s	PART
cblr-9983	1220	13	decision	decision	NOUN
cblr-9983	1220	14	on	on	ADP
cblr-9983	1220	15	capital	capital	NOUN
cblr-9983	1220	16	adequacy	adequacy	NOUN
cblr-9983	1220	17	,	,	PUNCT
cblr-9983	1220	18	such	such	ADJ
cblr-9983	1220	19	as	as	ADP
cblr-9983	1220	20	an	an	DET
cblr-9983	1220	21	arithmetic	arithmetic	ADJ
cblr-9983	1220	22	error	error	NOUN
cblr-9983	1220	23	,	,	PUNCT
cblr-9983	1220	24	might	might	AUX
cblr-9983	1220	25	be	be	AUX
cblr-9983	1220	26	subject	subject	ADJ
cblr-9983	1220	27	to	to	ADP
cblr-9983	1220	28	judicial	judicial	ADJ
cblr-9983	1220	29	correction	correction	NOUN
cblr-9983	1220	30	.	.	PUNCT
cblr-9983	1221	1	i	i	PRON
cblr-9983	1221	2	d.	d.	PROPN
cblr-9983	1221	3	204	204	NUM
cblr-9983	1221	4	lalita	lalita	PROPN
cblr-9983	1221	5	clozel	clozel	PROPN
cblr-9983	1221	6	,	,	PUNCT
cblr-9983	1221	7	bank	bank	NOUN
cblr-9983	1221	8	wins	win	VERB
cblr-9983	1221	9	right	right	NOUN
cblr-9983	1221	10	to	to	PART
cblr-9983	1221	11	sue	sue	VERB
cblr-9983	1221	12	regulator	regulator	NOUN
cblr-9983	1221	13	over	over	ADP
cblr-9983	1221	14	camels	camel	NOUN
cblr-9983	1221	15	rating	rating	NOUN
cblr-9983	1221	16	,	,	PUNCT
cblr-9983	1221	17	am	be	AUX
cblr-9983	1221	18	.	.	PUNCT
cblr-9983	1222	1	banker	banker	NOUN
cblr-9983	1222	2	(	(	PUNCT
cblr-9983	1222	3	mar	mar	PROPN
cblr-9983	1222	4	.	.	PROPN
cblr-9983	1222	5	20	20	NUM
cblr-9983	1222	6	,	,	PUNCT
cblr-9983	1222	7	2017	2017	NUM
cblr-9983	1222	8	)	)	PUNCT
cblr-9983	1222	9	,	,	PUNCT
cblr-9983	1223	1	https://www.americanbanker.com/news/bank-wins-right-to-sue-regulatorover-camels-rating	https://www.americanbanker.com/news/bank-wins-right-to-sue-regulatorover-camels-rate	VERB
cblr-9983	1223	2	[	[	X
cblr-9983	1223	3	https://perma.cc/pmg9-bdpv	https://perma.cc/pmg9-bdpv	X
cblr-9983	1223	4	]	]	X
cblr-9983	1223	5	(	(	PUNCT
cblr-9983	1223	6	quoting	quote	VERB
cblr-9983	1223	7	banking	banking	NOUN
cblr-9983	1223	8	lawyer	lawyer	NOUN
cblr-9983	1223	9	)	)	PUNCT
cblr-9983	1223	10	.	.	PUNCT
cblr-9983	1224	1	205	205	NUM
cblr-9983	1224	2	see	see	VERB
cblr-9983	1224	3	builders	builder	NOUN
cblr-9983	1224	4	bank	bank	PROPN
cblr-9983	1224	5	,	,	PUNCT
cblr-9983	1224	6	846	846	NUM
cblr-9983	1224	7	f.3d	f.3d	NUM
cblr-9983	1224	8	at	at	ADP
cblr-9983	1224	9	276	276	NUM
cblr-9983	1224	10	.	.	PUNCT
cblr-9983	1225	1	none	none	NOUN
cblr-9983	1225	2	of	of	ADP
cblr-9983	1225	3	these	these	DET
cblr-9983	1225	4	open	open	ADJ
cblr-9983	1225	5	issues	issue	NOUN
cblr-9983	1225	6	was	be	AUX
cblr-9983	1225	7	resolved	resolve	VERB
cblr-9983	1225	8	upon	upon	SCONJ
cblr-9983	1225	9	remand	remand	NOUN
cblr-9983	1225	10	,	,	PUNCT
cblr-9983	1225	11	because	because	SCONJ
cblr-9983	1225	12	the	the	DET
cblr-9983	1225	13	case	case	NOUN
cblr-9983	1225	14	was	be	AUX
cblr-9983	1225	15	disposed	dispose	VERB
cblr-9983	1225	16	of	of	ADP
cblr-9983	1225	17	on	on	ADP
cblr-9983	1225	18	other	other	ADJ
cblr-9983	1225	19	grounds	ground	NOUN
cblr-9983	1225	20	by	by	ADP
cblr-9983	1225	21	the	the	DET
cblr-9983	1225	22	district	district	NOUN
cblr-9983	1225	23	court	court	NOUN
cblr-9983	1225	24	,	,	PUNCT
cblr-9983	1225	25	whose	whose	DET
cblr-9983	1225	26	decision	decision	NOUN
cblr-9983	1225	27	was	be	AUX
cblr-9983	1225	28	then	then	ADV
cblr-9983	1225	29	affirmed	affirm	VERB
cblr-9983	1225	30	by	by	ADP
cblr-9983	1225	31	the	the	DET
cblr-9983	1225	32	seventh	seventh	ADJ
cblr-9983	1225	33	circuit	circuit	NOUN
cblr-9983	1225	34	,	,	PUNCT
cblr-9983	1225	35	also	also	ADV
cblr-9983	1225	36	in	in	ADP
cblr-9983	1225	37	an	an	DET
cblr-9983	1225	38	opinion	opinion	NOUN
cblr-9983	1225	39	by	by	ADP
cblr-9983	1225	40	judge	judge	PROPN
cblr-9983	1225	41	easterbrook	easterbrook	PROPN
cblr-9983	1225	42	.	.	PUNCT
cblr-9983	1226	1	see	see	VERB
cblr-9983	1226	2	builders	builder	NOUN
cblr-9983	1226	3	nab	nab	VERB
cblr-9983	1226	4	llc	llc	PROPN
cblr-9983	1226	5	v.	v.	PROPN
cblr-9983	1226	6	fed	fed	PROPN
cblr-9983	1226	7	.	.	PUNCT
cblr-9983	1227	1	deposit	deposit	PROPN
cblr-9983	1227	2	ins	ins	PROPN
cblr-9983	1227	3	.	.	PUNCT
cblr-9983	1227	4	corp	corp	PROPN
cblr-9983	1227	5	.	.	PROPN
cblr-9983	1227	6	,	,	PUNCT
cblr-9983	1227	7	922	922	NUM
cblr-9983	1227	8	f.3d	f.3d	NUM
cblr-9983	1227	9	775	775	NUM
cblr-9983	1227	10	(	(	PUNCT
cblr-9983	1227	11	7th	7th	ADJ
cblr-9983	1227	12	cir	cir	NOUN
cblr-9983	1227	13	.	.	PROPN
cblr-9983	1227	14	2019	2019	NUM
cblr-9983	1227	15	)	)	PUNCT
cblr-9983	1227	16	.	.	PUNCT
cblr-9983	1228	1	206	206	NUM
cblr-9983	1228	2	builders	builder	NOUN
cblr-9983	1228	3	bank	bank	NOUN
cblr-9983	1228	4	,	,	PUNCT
cblr-9983	1228	5	846	846	NUM
cblr-9983	1228	6	f.2d	f.2d	X
cblr-9983	1228	7	at	at	ADP
cblr-9983	1228	8	275	275	NUM
cblr-9983	1228	9	.	.	PUNCT
cblr-9983	1228	10	207	207	NUM
cblr-9983	1229	1	i	i	PRON
cblr-9983	1229	2	d.	d.	PROPN
cblr-9983	1229	3	no	no	INTJ
cblr-9983	1229	4	.	.	PUNCT
cblr-9983	1230	1	1:279	1:279	NOUN
cblr-9983	1230	2	]	]	X
cblr-9983	1230	3	bank	bank	NOUN
cblr-9983	1230	4	supervision	supervision	NOUN
cblr-9983	1230	5	and	and	CCONJ
cblr-9983	1230	6	administrative	administrative	ADJ
cblr-9983	1230	7	law	law	NOUN
cblr-9983	1230	8	345	345	NUM
cblr-9983	1230	9	might	might	AUX
cblr-9983	1230	10	need	need	VERB
cblr-9983	1230	11	to	to	PART
cblr-9983	1230	12	await	await	VERB
cblr-9983	1230	13	an	an	DET
cblr-9983	1230	14	enforcement	enforcement	NOUN
cblr-9983	1230	15	action	action	NOUN
cblr-9983	1230	16	for	for	ADP
cblr-9983	1230	17	unsafe	unsafe	ADJ
cblr-9983	1230	18	or	or	CCONJ
cblr-9983	1230	19	unsound	unsound	ADJ
cblr-9983	1230	20	practices	practice	NOUN
cblr-9983	1230	21	,	,	PUNCT
cblr-9983	1230	22	the	the	DET
cblr-9983	1230	23	conclusion	conclusion	NOUN
cblr-9983	1230	24	of	of	ADP
cblr-9983	1230	25	a	a	DET
cblr-9983	1230	26	4(m	4(m	NUM
cblr-9983	1230	27	)	)	PUNCT
cblr-9983	1230	28	agreement	agreement	NOUN
cblr-9983	1230	29	,	,	PUNCT
cblr-9983	1230	30	or	or	CCONJ
cblr-9983	1230	31	the	the	DET
cblr-9983	1230	32	recalculation	recalculation	NOUN
cblr-9983	1230	33	of	of	ADP
cblr-9983	1230	34	its	its	PRON
cblr-9983	1230	35	deposit	deposit	NOUN
cblr-9983	1230	36	insurance	insurance	NOUN
cblr-9983	1230	37	premium	premium	NOUN
cblr-9983	1230	38	to	to	PART
cblr-9983	1230	39	have	have	VERB
cblr-9983	1230	40	a	a	DET
cblr-9983	1230	41	court	court	NOUN
cblr-9983	1230	42	examine	examine	VERB
cblr-9983	1230	43	the	the	DET
cblr-9983	1230	44	merits	merit	NOUN
cblr-9983	1230	45	of	of	ADP
cblr-9983	1230	46	the	the	DET
cblr-9983	1230	47	rating	rating	NOUN
cblr-9983	1230	48	.	.	PUNCT
cblr-9983	1231	1	third	third	ADJ
cblr-9983	1231	2	,	,	PUNCT
cblr-9983	1231	3	while	while	SCONJ
cblr-9983	1231	4	the	the	DET
cblr-9983	1231	5	frontier	frontier	NOUN
cblr-9983	1231	6	bank	bank	PROPN
cblr-9983	1231	7	court	court	NOUN
cblr-9983	1231	8	assessed	assess	VERB
cblr-9983	1231	9	the	the	DET
cblr-9983	1231	10	portions	portion	NOUN
cblr-9983	1231	11	of	of	ADP
cblr-9983	1231	12	the	the	DET
cblr-9983	1231	13	fdic	fdic	PROPN
cblr-9983	1231	14	’s	’s	PART
cblr-9983	1231	15	order	order	NOUN
cblr-9983	1231	16	dealing	deal	VERB
cblr-9983	1231	17	with	with	ADP
cblr-9983	1231	18	liquidity	liquidity	NOUN
cblr-9983	1231	19	,	,	PUNCT
cblr-9983	1231	20	management	management	NOUN
cblr-9983	1231	21	,	,	PUNCT
cblr-9983	1231	22	and	and	CCONJ
cblr-9983	1231	23	asset	asset	NOUN
cblr-9983	1231	24	growth	growth	NOUN
cblr-9983	1231	25	issues	issue	NOUN
cblr-9983	1231	26	,	,	PUNCT
cblr-9983	1231	27	it	it	PRON
cblr-9983	1231	28	upheld	uphold	VERB
cblr-9983	1231	29	the	the	DET
cblr-9983	1231	30	fdic	fdic	PROPN
cblr-9983	1231	31	on	on	ADP
cblr-9983	1231	32	each.208	each.208	NOUN
cblr-9983	1231	33	given	give	VERB
cblr-9983	1231	34	how	how	SCONJ
cblr-9983	1231	35	bank	bank	NOUN
cblr-9983	1231	36	-	-	PUNCT
cblr-9983	1231	37	specific	specific	ADJ
cblr-9983	1231	38	and	and	CCONJ
cblr-9983	1231	39	technical	technical	ADJ
cblr-9983	1231	40	such	such	ADJ
cblr-9983	1231	41	issues	issue	NOUN
cblr-9983	1231	42	can	can	AUX
cblr-9983	1231	43	be	be	AUX
cblr-9983	1231	44	,	,	PUNCT
cblr-9983	1231	45	the	the	DET
cblr-9983	1231	46	court	court	NOUN
cblr-9983	1231	47	appropriately	appropriately	ADV
cblr-9983	1231	48	deferred	defer	VERB
cblr-9983	1231	49	to	to	ADP
cblr-9983	1231	50	the	the	DET
cblr-9983	1231	51	agency	agency	NOUN
cblr-9983	1231	52	’s	’s	PART
cblr-9983	1231	53	conclusions	conclusion	NOUN
cblr-9983	1231	54	once	once	SCONJ
cblr-9983	1231	55	it	it	PRON
cblr-9983	1231	56	had	have	AUX
cblr-9983	1231	57	assured	assure	VERB
cblr-9983	1231	58	itself	itself	PRON
cblr-9983	1231	59	that	that	SCONJ
cblr-9983	1231	60	there	there	PRON
cblr-9983	1231	61	was	be	VERB
cblr-9983	1231	62	sufficient	sufficient	ADJ
cblr-9983	1231	63	evidence	evidence	NOUN
cblr-9983	1231	64	to	to	PART
cblr-9983	1231	65	establish	establish	VERB
cblr-9983	1231	66	the	the	DET
cblr-9983	1231	67	reasonableness	reasonableness	NOUN
cblr-9983	1231	68	of	of	ADP
cblr-9983	1231	69	the	the	DET
cblr-9983	1231	70	findings	finding	NOUN
cblr-9983	1231	71	.	.	PUNCT
cblr-9983	1232	1	in	in	ADP
cblr-9983	1232	2	the	the	DET
cblr-9983	1232	3	ratings	rating	NOUN
cblr-9983	1232	4	context	context	NOUN
cblr-9983	1232	5	,	,	PUNCT
cblr-9983	1232	6	where	where	SCONJ
cblr-9983	1232	7	the	the	DET
cblr-9983	1232	8	bank	bank	NOUN
cblr-9983	1232	9	’s	’s	PART
cblr-9983	1232	10	entire	entire	ADJ
cblr-9983	1232	11	operations	operation	NOUN
cblr-9983	1232	12	are	be	AUX
cblr-9983	1232	13	under	under	ADP
cblr-9983	1232	14	examination	examination	NOUN
cblr-9983	1232	15	,	,	PUNCT
cblr-9983	1232	16	the	the	DET
cblr-9983	1232	17	amount	amount	NOUN
cblr-9983	1232	18	of	of	ADP
cblr-9983	1232	19	evidence	evidence	NOUN
cblr-9983	1232	20	available	available	ADJ
cblr-9983	1232	21	to	to	PART
cblr-9983	1232	22	support	support	VERB
cblr-9983	1232	23	supervisory	supervisory	ADJ
cblr-9983	1232	24	conclusions	conclusion	NOUN
cblr-9983	1232	25	on	on	ADP
cblr-9983	1232	26	any	any	DET
cblr-9983	1232	27	one	one	NUM
cblr-9983	1232	28	of	of	ADP
cblr-9983	1232	29	the	the	DET
cblr-9983	1232	30	elements	element	NOUN
cblr-9983	1232	31	will	will	AUX
cblr-9983	1232	32	almost	almost	ADV
cblr-9983	1232	33	certainly	certainly	ADV
cblr-9983	1232	34	be	be	AUX
cblr-9983	1232	35	greater	great	ADJ
cblr-9983	1232	36	than	than	ADP
cblr-9983	1232	37	that	that	PRON
cblr-9983	1232	38	available	available	ADJ
cblr-9983	1232	39	to	to	PART
cblr-9983	1232	40	support	support	VERB
cblr-9983	1232	41	a	a	DET
cblr-9983	1232	42	finding	finding	NOUN
cblr-9983	1232	43	of	of	ADP
cblr-9983	1232	44	a	a	DET
cblr-9983	1232	45	specific	specific	ADJ
cblr-9983	1232	46	“	"	PUNCT
cblr-9983	1232	47	unsafe	unsafe	ADJ
cblr-9983	1232	48	or	or	CCONJ
cblr-9983	1232	49	unsound	unsound	ADJ
cblr-9983	1232	50	”	"	PUNCT
cblr-9983	1232	51	practice	practice	NOUN
cblr-9983	1232	52	forming	form	VERB
cblr-9983	1232	53	the	the	DET
cblr-9983	1232	54	basis	basis	NOUN
cblr-9983	1232	55	for	for	ADP
cblr-9983	1232	56	a	a	DET
cblr-9983	1232	57	ceaseand	ceaseand	NOUN
cblr-9983	1232	58	-	-	PUNCT
cblr-9983	1232	59	desist	desist	NOUN
cblr-9983	1232	60	order	order	NOUN
cblr-9983	1232	61	.	.	PUNCT
cblr-9983	1233	1	if	if	SCONJ
cblr-9983	1233	2	judicial	judicial	ADJ
cblr-9983	1233	3	reviews	review	NOUN
cblr-9983	1233	4	of	of	ADP
cblr-9983	1233	5	supervisory	supervisory	ADJ
cblr-9983	1233	6	ratings	rating	NOUN
cblr-9983	1233	7	loom	loom	NOUN
cblr-9983	1233	8	,	,	PUNCT
cblr-9983	1233	9	the	the	DET
cblr-9983	1233	10	general	general	ADJ
cblr-9983	1233	11	counsels	counsel	NOUN
cblr-9983	1233	12	of	of	ADP
cblr-9983	1233	13	the	the	DET
cblr-9983	1233	14	banking	banking	NOUN
cblr-9983	1233	15	agencies	agency	NOUN
cblr-9983	1233	16	will	will	AUX
cblr-9983	1233	17	be	be	AUX
cblr-9983	1233	18	sure	sure	ADJ
cblr-9983	1233	19	to	to	PART
cblr-9983	1233	20	advise	advise	VERB
cblr-9983	1233	21	their	their	PRON
cblr-9983	1233	22	supervisors	supervisor	NOUN
cblr-9983	1233	23	to	to	PART
cblr-9983	1233	24	include	include	VERB
cblr-9983	1233	25	in	in	ADP
cblr-9983	1233	26	examination	examination	NOUN
cblr-9983	1233	27	reports	report	VERB
cblr-9983	1233	28	anything	anything	PRON
cblr-9983	1233	29	that	that	PRON
cblr-9983	1233	30	might	might	AUX
cblr-9983	1233	31	be	be	AUX
cblr-9983	1233	32	helpful	helpful	ADJ
cblr-9983	1233	33	on	on	ADP
cblr-9983	1233	34	appeal	appeal	NOUN
cblr-9983	1233	35	.	.	PUNCT
cblr-9983	1234	1	fourth	fourth	ADJ
cblr-9983	1234	2	and	and	CCONJ
cblr-9983	1234	3	finally	finally	ADV
cblr-9983	1234	4	,	,	PUNCT
cblr-9983	1234	5	even	even	ADV
cblr-9983	1234	6	if	if	SCONJ
cblr-9983	1234	7	a	a	DET
cblr-9983	1234	8	bank	bank	NOUN
cblr-9983	1234	9	can	can	AUX
cblr-9983	1234	10	overcome	overcome	VERB
cblr-9983	1234	11	these	these	DET
cblr-9983	1234	12	hurdles	hurdle	NOUN
cblr-9983	1234	13	and	and	CCONJ
cblr-9983	1234	14	convince	convince	VERB
cblr-9983	1234	15	a	a	DET
cblr-9983	1234	16	court	court	NOUN
cblr-9983	1234	17	to	to	PART
cblr-9983	1234	18	find	find	VERB
cblr-9983	1234	19	part	part	NOUN
cblr-9983	1234	20	of	of	ADP
cblr-9983	1234	21	a	a	DET
cblr-9983	1234	22	camels	camel	NOUN
cblr-9983	1234	23	rating	rate	VERB
cblr-9983	1234	24	to	to	PART
cblr-9983	1234	25	have	have	AUX
cblr-9983	1234	26	been	be	AUX
cblr-9983	1234	27	arbitrary	arbitrary	ADJ
cblr-9983	1234	28	and	and	CCONJ
cblr-9983	1234	29	capricious	capricious	ADJ
cblr-9983	1234	30	,	,	PUNCT
cblr-9983	1234	31	the	the	DET
cblr-9983	1234	32	usefulness	usefulness	NOUN
cblr-9983	1234	33	of	of	ADP
cblr-9983	1234	34	that	that	DET
cblr-9983	1234	35	outcome	outcome	NOUN
cblr-9983	1234	36	to	to	ADP
cblr-9983	1234	37	the	the	DET
cblr-9983	1234	38	bank	bank	NOUN
cblr-9983	1234	39	will	will	AUX
cblr-9983	1234	40	probably	probably	ADV
cblr-9983	1234	41	be	be	AUX
cblr-9983	1234	42	limited.209	limited.209	NOUN
cblr-9983	1234	43	for	for	ADP
cblr-9983	1234	44	smaller	small	ADJ
cblr-9983	1234	45	banks	bank	NOUN
cblr-9983	1234	46	the	the	DET
cblr-9983	1234	47	expense	expense	NOUN
cblr-9983	1234	48	of	of	ADP
cblr-9983	1234	49	a	a	DET
cblr-9983	1234	50	federal	federal	ADJ
cblr-9983	1234	51	district	district	NOUN
cblr-9983	1234	52	court	court	NOUN
cblr-9983	1234	53	case	case	NOUN
cblr-9983	1234	54	will	will	AUX
cblr-9983	1234	55	itself	itself	PRON
cblr-9983	1234	56	be	be	AUX
cblr-9983	1234	57	a	a	DET
cblr-9983	1234	58	strong	strong	ADJ
cblr-9983	1234	59	disincentive	disincentive	ADJ
cblr-9983	1234	60	.	.	PUNCT
cblr-9983	1235	1	moreover	moreover	ADV
cblr-9983	1235	2	,	,	PUNCT
cblr-9983	1235	3	the	the	DET
cblr-9983	1235	4	rating	rating	NOUN
cblr-9983	1235	5	and	and	CCONJ
cblr-9983	1235	6	its	its	PRON
cblr-9983	1235	7	attendant	attendant	ADJ
cblr-9983	1235	8	supervisory	supervisory	ADJ
cblr-9983	1235	9	and	and	CCONJ
cblr-9983	1235	10	regulatory	regulatory	ADJ
cblr-9983	1235	11	consequences	consequence	NOUN
cblr-9983	1235	12	may	may	AUX
cblr-9983	1235	13	well	well	ADV
cblr-9983	1235	14	remain	remain	VERB
cblr-9983	1235	15	in	in	ADP
cblr-9983	1235	16	place	place	NOUN
cblr-9983	1235	17	during	during	ADP
cblr-9983	1235	18	the	the	DET
cblr-9983	1235	19	pendency	pendency	NOUN
cblr-9983	1235	20	of	of	ADP
cblr-9983	1235	21	the	the	DET
cblr-9983	1235	22	litigation	litigation	NOUN
cblr-9983	1235	23	.	.	PUNCT
cblr-9983	1236	1	also	also	ADV
cblr-9983	1236	2	,	,	PUNCT
cblr-9983	1236	3	on	on	ADP
cblr-9983	1236	4	remand	remand	NOUN
cblr-9983	1236	5	there	there	PRON
cblr-9983	1236	6	will	will	AUX
cblr-9983	1236	7	be	be	AUX
cblr-9983	1236	8	an	an	DET
cblr-9983	1236	9	opportunity	opportunity	NOUN
cblr-9983	1236	10	for	for	SCONJ
cblr-9983	1236	11	a	a	DET
cblr-9983	1236	12	banking	banking	NOUN
cblr-9983	1236	13	agency	agency	NOUN
cblr-9983	1236	14	to	to	PART
cblr-9983	1236	15	supplement	supplement	VERB
cblr-9983	1236	16	its	its	PRON
cblr-9983	1236	17	conclusions	conclusion	NOUN
cblr-9983	1236	18	with	with	ADP
cblr-9983	1236	19	new	new	ADJ
cblr-9983	1236	20	evidence	evidence	NOUN
cblr-9983	1236	21	,	,	PUNCT
cblr-9983	1236	22	perhaps	perhaps	ADV
cblr-9983	1236	23	drawn	draw	VERB
cblr-9983	1236	24	from	from	ADP
cblr-9983	1236	25	bank	bank	NOUN
cblr-9983	1236	26	activity	activity	NOUN
cblr-9983	1236	27	subsequent	subsequent	ADJ
cblr-9983	1236	28	to	to	ADP
cblr-9983	1236	29	the	the	DET
cblr-9983	1236	30	filing	filing	NOUN
cblr-9983	1236	31	of	of	ADP
cblr-9983	1236	32	the	the	DET
cblr-9983	1236	33	initial	initial	ADJ
cblr-9983	1236	34	case	case	NOUN
cblr-9983	1236	35	.	.	PUNCT
cblr-9983	1237	1	208	208	NUM
cblr-9983	1237	2	frontier	frontier	NOUN
cblr-9983	1237	3	state	state	NOUN
cblr-9983	1237	4	bank	bank	NOUN
cblr-9983	1237	5	,	,	PUNCT
cblr-9983	1237	6	702	702	NUM
cblr-9983	1237	7	f.3d	f.3d	NUM
cblr-9983	1237	8	at	at	ADP
cblr-9983	1237	9	597–604	597–604	NUM
cblr-9983	1237	10	.	.	PUNCT
cblr-9983	1237	11	209	209	NUM
cblr-9983	1237	12	since	since	SCONJ
cblr-9983	1237	13	the	the	DET
cblr-9983	1237	14	apa	apa	PROPN
cblr-9983	1237	15	does	do	AUX
cblr-9983	1237	16	not	not	PART
cblr-9983	1237	17	allow	allow	VERB
cblr-9983	1237	18	for	for	ADP
cblr-9983	1237	19	money	money	NOUN
cblr-9983	1237	20	damages	damage	NOUN
cblr-9983	1237	21	,	,	PUNCT
cblr-9983	1237	22	it	it	PRON
cblr-9983	1237	23	does	do	AUX
cblr-9983	1237	24	not	not	PART
cblr-9983	1237	25	appear	appear	VERB
cblr-9983	1237	26	that	that	SCONJ
cblr-9983	1237	27	any	any	DET
cblr-9983	1237	28	additional	additional	ADJ
cblr-9983	1237	29	deposit	deposit	NOUN
cblr-9983	1237	30	insurance	insurance	NOUN
cblr-9983	1237	31	premiums	premium	NOUN
cblr-9983	1237	32	paid	pay	VERB
cblr-9983	1237	33	during	during	ADP
cblr-9983	1237	34	the	the	DET
cblr-9983	1237	35	period	period	NOUN
cblr-9983	1237	36	in	in	ADP
cblr-9983	1237	37	which	which	PRON
cblr-9983	1237	38	a	a	DET
cblr-9983	1237	39	lower	low	ADJ
cblr-9983	1237	40	rating	rating	NOUN
cblr-9983	1237	41	was	be	AUX
cblr-9983	1237	42	in	in	ADP
cblr-9983	1237	43	place	place	NOUN
cblr-9983	1237	44	could	could	AUX
cblr-9983	1237	45	be	be	AUX
cblr-9983	1237	46	recouped	recoup	VERB
cblr-9983	1237	47	.	.	PUNCT
cblr-9983	1238	1	it	it	PRON
cblr-9983	1238	2	is	be	AUX
cblr-9983	1238	3	unclear	unclear	ADJ
cblr-9983	1238	4	whether	whether	SCONJ
cblr-9983	1238	5	there	there	PRON
cblr-9983	1238	6	is	be	VERB
cblr-9983	1238	7	any	any	DET
cblr-9983	1238	8	other	other	ADJ
cblr-9983	1238	9	basis	basis	NOUN
cblr-9983	1238	10	for	for	ADP
cblr-9983	1238	11	attempts	attempt	NOUN
cblr-9983	1238	12	to	to	PART
cblr-9983	1238	13	recover	recover	VERB
cblr-9983	1238	14	the	the	DET
cblr-9983	1238	15	difference	difference	NOUN
cblr-9983	1238	16	between	between	ADP
cblr-9983	1238	17	insurance	insurance	NOUN
cblr-9983	1238	18	premiums	premium	NOUN
cblr-9983	1238	19	resulting	result	VERB
cblr-9983	1238	20	from	from	ADP
cblr-9983	1238	21	a	a	DET
cblr-9983	1238	22	lower	low	ADJ
cblr-9983	1238	23	rating	rating	NOUN
cblr-9983	1238	24	.	.	PUNCT
cblr-9983	1239	1	see	see	VERB
cblr-9983	1239	2	builders	builder	NOUN
cblr-9983	1239	3	nab	nab	VERB
cblr-9983	1239	4	llc	llc	PROPN
cblr-9983	1239	5	,	,	PUNCT
cblr-9983	1239	6	922	922	NUM
cblr-9983	1239	7	f.3d	f.3d	NUM
cblr-9983	1239	8	at	at	ADP
cblr-9983	1239	9	777	777	NUM
cblr-9983	1239	10	.	.	PUNCT
cblr-9983	1240	1	346	346	NUM
cblr-9983	1240	2	columbia	columbia	PROPN
cblr-9983	1240	3	business	business	NOUN
cblr-9983	1240	4	law	law	NOUN
cblr-9983	1240	5	review	review	NOUN
cblr-9983	1240	6	[	[	X
cblr-9983	1240	7	vol	vol	NOUN
cblr-9983	1240	8	.	.	PUNCT
cblr-9983	1240	9	2022	2022	NUM
cblr-9983	1240	10	in	in	ADP
cblr-9983	1240	11	short	short	ADJ
cblr-9983	1240	12	,	,	PUNCT
cblr-9983	1240	13	even	even	ADV
cblr-9983	1240	14	a	a	DET
cblr-9983	1240	15	somewhat	somewhat	ADV
cblr-9983	1240	16	generous	generous	ADJ
cblr-9983	1240	17	application	application	NOUN
cblr-9983	1240	18	of	of	ADP
cblr-9983	1240	19	standard	standard	ADJ
cblr-9983	1240	20	administrative	administrative	ADJ
cblr-9983	1240	21	law	law	NOUN
cblr-9983	1240	22	doctrines	doctrine	NOUN
cblr-9983	1240	23	would	would	AUX
cblr-9983	1240	24	be	be	AUX
cblr-9983	1240	25	of	of	ADP
cblr-9983	1240	26	only	only	ADV
cblr-9983	1240	27	limited	limited	ADJ
cblr-9983	1240	28	help	help	NOUN
cblr-9983	1240	29	to	to	ADP
cblr-9983	1240	30	banks	bank	NOUN
cblr-9983	1240	31	in	in	ADP
cblr-9983	1240	32	dealing	deal	VERB
cblr-9983	1240	33	with	with	ADP
cblr-9983	1240	34	supervisory	supervisory	ADJ
cblr-9983	1240	35	ratings	rating	NOUN
cblr-9983	1240	36	they	they	PRON
cblr-9983	1240	37	considered	consider	VERB
cblr-9983	1240	38	unwarranted	unwarranted	ADJ
cblr-9983	1240	39	.	.	PUNCT
cblr-9983	1241	1	the	the	DET
cblr-9983	1241	2	thousands	thousand	NOUN
cblr-9983	1241	3	of	of	ADP
cblr-9983	1241	4	small	small	ADJ
cblr-9983	1241	5	banks	bank	NOUN
cblr-9983	1241	6	will	will	AUX
cblr-9983	1241	7	find	find	VERB
cblr-9983	1241	8	little	little	ADJ
cblr-9983	1241	9	beyond	beyond	ADP
cblr-9983	1241	10	a	a	DET
cblr-9983	1241	11	symbolic	symbolic	ADJ
cblr-9983	1241	12	victory	victory	NOUN
cblr-9983	1241	13	in	in	ADP
cblr-9983	1241	14	builders	builder	NOUN
cblr-9983	1241	15	bank	bank	PROPN
cblr-9983	1241	16	.	.	PUNCT
cblr-9983	1242	1	to	to	PART
cblr-9983	1242	2	be	be	AUX
cblr-9983	1242	3	sure	sure	ADJ
cblr-9983	1242	4	,	,	PUNCT
cblr-9983	1242	5	a	a	DET
cblr-9983	1242	6	large	large	ADJ
cblr-9983	1242	7	bank	bank	NOUN
cblr-9983	1242	8	that	that	PRON
cblr-9983	1242	9	did	do	AUX
cblr-9983	1242	10	not	not	PART
cblr-9983	1242	11	find	find	VERB
cblr-9983	1242	12	litigation	litigation	NOUN
cblr-9983	1242	13	costs	cost	NOUN
cblr-9983	1242	14	prohibitive	prohibitive	ADJ
cblr-9983	1242	15	might	might	AUX
cblr-9983	1242	16	occasionally	occasionally	ADV
cblr-9983	1242	17	find	find	VERB
cblr-9983	1242	18	it	it	PRON
cblr-9983	1242	19	cost	cost	VERB
cblr-9983	1242	20	effective	effective	ADJ
cblr-9983	1242	21	to	to	PART
cblr-9983	1242	22	sue	sue	VERB
cblr-9983	1242	23	.	.	PUNCT
cblr-9983	1243	1	yet	yet	ADV
cblr-9983	1243	2	,	,	PUNCT
cblr-9983	1243	3	even	even	ADV
cblr-9983	1243	4	the	the	DET
cblr-9983	1243	5	large	large	ADJ
cblr-9983	1243	6	banks	bank	NOUN
cblr-9983	1243	7	would	would	AUX
cblr-9983	1243	8	likely	likely	ADV
cblr-9983	1243	9	gain	gain	VERB
cblr-9983	1243	10	little	little	ADJ
cblr-9983	1243	11	from	from	ADP
cblr-9983	1243	12	a	a	DET
cblr-9983	1243	13	review	review	NOUN
cblr-9983	1243	14	of	of	ADP
cblr-9983	1243	15	the	the	DET
cblr-9983	1243	16	“	"	PUNCT
cblr-9983	1243	17	management	management	NOUN
cblr-9983	1243	18	”	"	PUNCT
cblr-9983	1243	19	component	component	NOUN
cblr-9983	1243	20	rating	rating	NOUN
cblr-9983	1243	21	about	about	ADP
cblr-9983	1243	22	which	which	PRON
cblr-9983	1243	23	their	their	PRON
cblr-9983	1243	24	surrogates	surrogate	NOUN
cblr-9983	1243	25	have	have	AUX
cblr-9983	1243	26	complained	complain	VERB
cblr-9983	1243	27	.	.	PUNCT
cblr-9983	1244	1	management	management	NOUN
cblr-9983	1244	2	care	care	NOUN
cblr-9983	1244	3	and	and	CCONJ
cblr-9983	1244	4	competence	competence	NOUN
cblr-9983	1244	5	are	be	AUX
cblr-9983	1244	6	not	not	PART
cblr-9983	1244	7	easily	easily	ADV
cblr-9983	1244	8	reduced	reduce	VERB
cblr-9983	1244	9	to	to	ADP
cblr-9983	1244	10	the	the	DET
cblr-9983	1244	11	kinds	kind	NOUN
cblr-9983	1244	12	of	of	ADP
cblr-9983	1244	13	objective	objective	ADJ
cblr-9983	1244	14	indicators	indicator	NOUN
cblr-9983	1244	15	that	that	PRON
cblr-9983	1244	16	can	can	AUX
cblr-9983	1244	17	form	form	VERB
cblr-9983	1244	18	an	an	DET
cblr-9983	1244	19	important	important	ADJ
cblr-9983	1244	20	starting	starting	NOUN
cblr-9983	1244	21	point	point	NOUN
cblr-9983	1244	22	for	for	ADP
cblr-9983	1244	23	assessing	assess	VERB
cblr-9983	1244	24	capital	capital	NOUN
cblr-9983	1244	25	,	,	PUNCT
cblr-9983	1244	26	liquidity	liquidity	NOUN
cblr-9983	1244	27	,	,	PUNCT
cblr-9983	1244	28	earnings	earning	NOUN
cblr-9983	1244	29	,	,	PUNCT
cblr-9983	1244	30	and	and	CCONJ
cblr-9983	1244	31	perhaps	perhaps	ADV
cblr-9983	1244	32	asset	asset	NOUN
cblr-9983	1244	33	quality	quality	NOUN
cblr-9983	1244	34	.	.	PUNCT
cblr-9983	1245	1	indeed	indeed	ADV
cblr-9983	1245	2	,	,	PUNCT
cblr-9983	1245	3	were	be	AUX
cblr-9983	1245	4	the	the	DET
cblr-9983	1245	5	agencies	agency	NOUN
cblr-9983	1245	6	to	to	PART
cblr-9983	1245	7	attempt	attempt	VERB
cblr-9983	1245	8	to	to	PART
cblr-9983	1245	9	objectify	objectify	VERB
cblr-9983	1245	10	the	the	DET
cblr-9983	1245	11	criteria	criterion	NOUN
cblr-9983	1245	12	for	for	ADP
cblr-9983	1245	13	the	the	DET
cblr-9983	1245	14	rating	rating	NOUN
cblr-9983	1245	15	,	,	PUNCT
cblr-9983	1245	16	the	the	DET
cblr-9983	1245	17	result	result	NOUN
cblr-9983	1245	18	would	would	AUX
cblr-9983	1245	19	almost	almost	ADV
cblr-9983	1245	20	surely	surely	ADV
cblr-9983	1245	21	be	be	AUX
cblr-9983	1245	22	a	a	DET
cblr-9983	1245	23	set	set	NOUN
cblr-9983	1245	24	of	of	ADP
cblr-9983	1245	25	over	over	ADV
cblr-9983	1245	26	-	-	PUNCT
cblr-9983	1245	27	specified	specify	VERB
cblr-9983	1245	28	requirements	requirement	NOUN
cblr-9983	1245	29	that	that	PRON
cblr-9983	1245	30	would	would	AUX
cblr-9983	1245	31	justifiably	justifiably	ADV
cblr-9983	1245	32	strike	strike	VERB
cblr-9983	1245	33	many	many	ADJ
cblr-9983	1245	34	bank	bank	NOUN
cblr-9983	1245	35	executives	executive	NOUN
cblr-9983	1245	36	as	as	ADV
cblr-9983	1245	37	inappropriate	inappropriate	ADJ
cblr-9983	1245	38	for	for	ADP
cblr-9983	1245	39	rating	rate	VERB
cblr-9983	1245	40	the	the	DET
cblr-9983	1245	41	management	management	NOUN
cblr-9983	1245	42	of	of	ADP
cblr-9983	1245	43	any	any	DET
cblr-9983	1245	44	individual	individual	ADJ
cblr-9983	1245	45	bank.210	bank.210	NOUN
cblr-9983	1245	46	the	the	DET
cblr-9983	1245	47	modest	modest	ADJ
cblr-9983	1245	48	legal	legal	ADJ
cblr-9983	1245	49	requirements	requirement	NOUN
cblr-9983	1245	50	for	for	ADP
cblr-9983	1245	51	the	the	DET
cblr-9983	1245	52	ratings	rating	NOUN
cblr-9983	1245	53	process	process	NOUN
cblr-9983	1245	54	stand	stand	VERB
cblr-9983	1245	55	in	in	ADP
cblr-9983	1245	56	contrast	contrast	NOUN
cblr-9983	1245	57	to	to	ADP
cblr-9983	1245	58	its	its	PRON
cblr-9983	1245	59	importance	importance	NOUN
cblr-9983	1245	60	in	in	ADP
cblr-9983	1245	61	the	the	DET
cblr-9983	1245	62	supervisory	supervisory	ADJ
cblr-9983	1245	63	relationship	relationship	NOUN
cblr-9983	1245	64	.	.	PUNCT
cblr-9983	1246	1	as	as	ADP
cblr-9983	1246	2	both	both	DET
cblr-9983	1246	3	the	the	DET
cblr-9983	1246	4	culmination	culmination	NOUN
cblr-9983	1246	5	of	of	ADP
cblr-9983	1246	6	a	a	DET
cblr-9983	1246	7	supervisory	supervisory	ADJ
cblr-9983	1246	8	evaluation	evaluation	NOUN
cblr-9983	1246	9	and	and	CCONJ
cblr-9983	1246	10	a	a	DET
cblr-9983	1246	11	starting	starting	NOUN
cblr-9983	1246	12	point	point	NOUN
cblr-9983	1246	13	for	for	ADP
cblr-9983	1246	14	future	future	ADJ
cblr-9983	1246	15	supervisory	supervisory	ADJ
cblr-9983	1246	16	oversight	oversight	NOUN
cblr-9983	1246	17	,	,	PUNCT
cblr-9983	1246	18	it	it	PRON
cblr-9983	1246	19	is	be	AUX
cblr-9983	1246	20	central	central	ADJ
cblr-9983	1246	21	to	to	ADP
cblr-9983	1246	22	this	this	DET
cblr-9983	1246	23	relationship	relationship	NOUN
cblr-9983	1246	24	,	,	PUNCT
cblr-9983	1246	25	especially	especially	ADV
cblr-9983	1246	26	for	for	ADP
cblr-9983	1246	27	the	the	DET
cblr-9983	1246	28	thousands	thousand	NOUN
cblr-9983	1246	29	of	of	ADP
cblr-9983	1246	30	smaller	small	ADJ
cblr-9983	1246	31	banks	bank	NOUN
cblr-9983	1246	32	for	for	ADP
cblr-9983	1246	33	which	which	PRON
cblr-9983	1246	34	there	there	PRON
cblr-9983	1246	35	is	be	VERB
cblr-9983	1246	36	no	no	DET
cblr-9983	1246	37	continuous	continuous	ADJ
cblr-9983	1246	38	monitoring	monitoring	NOUN
cblr-9983	1246	39	(	(	PUNCT
cblr-9983	1246	40	and	and	CCONJ
cblr-9983	1246	41	thus	thus	ADV
cblr-9983	1246	42	engagement	engagement	NOUN
cblr-9983	1246	43	)	)	PUNCT
cblr-9983	1246	44	by	by	ADP
cblr-9983	1246	45	a	a	DET
cblr-9983	1246	46	dedicated	dedicated	ADJ
cblr-9983	1246	47	on	on	ADP
cblr-9983	1246	48	-	-	PUNCT
cblr-9983	1246	49	site	site	NOUN
cblr-9983	1246	50	team	team	NOUN
cblr-9983	1246	51	.	.	PUNCT
cblr-9983	1247	1	even	even	ADV
cblr-9983	1247	2	with	with	ADP
cblr-9983	1247	3	the	the	DET
cblr-9983	1247	4	potential	potential	NOUN
cblr-9983	1247	5	for	for	ADP
cblr-9983	1247	6	some	some	DET
cblr-9983	1247	7	judicial	judicial	ADJ
cblr-9983	1247	8	review	review	NOUN
cblr-9983	1247	9	of	of	ADP
cblr-9983	1247	10	supervisory	supervisory	ADJ
cblr-9983	1247	11	ratings	rating	NOUN
cblr-9983	1247	12	,	,	PUNCT
cblr-9983	1247	13	it	it	PRON
cblr-9983	1247	14	seems	seem	VERB
cblr-9983	1247	15	unlikely	unlikely	ADJ
cblr-9983	1247	16	that	that	SCONJ
cblr-9983	1247	17	current	current	ADJ
cblr-9983	1247	18	administrative	administrative	ADJ
cblr-9983	1247	19	doctrine	doctrine	NOUN
cblr-9983	1247	20	law	law	NOUN
cblr-9983	1247	21	will	will	AUX
cblr-9983	1247	22	deliver	deliver	VERB
cblr-9983	1247	23	the	the	DET
cblr-9983	1247	24	relief	relief	NOUN
cblr-9983	1247	25	that	that	SCONJ
cblr-9983	1247	26	banks	bank	NOUN
cblr-9983	1247	27	—	—	PUNCT
cblr-9983	1247	28	especially	especially	ADV
cblr-9983	1247	29	smaller	small	ADJ
cblr-9983	1247	30	banks	bank	NOUN
cblr-9983	1247	31	—	—	PUNCT
cblr-9983	1247	32	will	will	AUX
cblr-9983	1247	33	find	find	VERB
cblr-9983	1247	34	useful	useful	ADJ
cblr-9983	1247	35	as	as	ADP
cblr-9983	1247	36	a	a	DET
cblr-9983	1247	37	practical	practical	ADJ
cblr-9983	1247	38	matter	matter	NOUN
cblr-9983	1247	39	.	.	PUNCT
cblr-9983	1248	1	my	my	PRON
cblr-9983	1248	2	overall	overall	ADJ
cblr-9983	1248	3	argument	argument	NOUN
cblr-9983	1248	4	in	in	ADP
cblr-9983	1248	5	this	this	DET
cblr-9983	1248	6	article	article	NOUN
cblr-9983	1248	7	is	be	AUX
cblr-9983	1248	8	that	that	SCONJ
cblr-9983	1248	9	the	the	DET
cblr-9983	1248	10	nature	nature	NOUN
cblr-9983	1248	11	of	of	ADP
cblr-9983	1248	12	bank	bank	PROPN
cblr-9983	1248	13	supervision	supervision	NOUN
cblr-9983	1248	14	,	,	PUNCT
cblr-9983	1248	15	including	include	VERB
cblr-9983	1248	16	but	but	CCONJ
cblr-9983	1248	17	not	not	PART
cblr-9983	1248	18	limited	limit	VERB
cblr-9983	1248	19	to	to	ADP
cblr-9983	1248	20	,	,	PUNCT
cblr-9983	1248	21	its	its	PRON
cblr-9983	1248	22	statutory	statutory	ADJ
cblr-9983	1248	23	foundations	foundation	NOUN
cblr-9983	1248	24	,	,	PUNCT
cblr-9983	1248	25	argues	argue	VERB
cblr-9983	1248	26	for	for	ADP
cblr-9983	1248	27	shaping	shape	VERB
cblr-9983	1248	28	administrative	administrative	ADJ
cblr-9983	1248	29	law	law	NOUN
cblr-9983	1248	30	doctrine	doctrine	NOUN
cblr-9983	1248	31	210	210	NUM
cblr-9983	1248	32	furthermore	furthermore	ADV
cblr-9983	1248	33	,	,	PUNCT
cblr-9983	1248	34	in	in	ADP
cblr-9983	1248	35	the	the	DET
cblr-9983	1248	36	be	be	NOUN
cblr-9983	1248	37	-	-	PUNCT
cblr-9983	1248	38	careful	careful	ADJ
cblr-9983	1248	39	-	-	PUNCT
cblr-9983	1248	40	what	what	PRON
cblr-9983	1248	41	-	-	PUNCT
cblr-9983	1248	42	you	you	PRON
cblr-9983	1248	43	-	-	PUNCT
cblr-9983	1248	44	wish	wish	NOUN
cblr-9983	1248	45	-	-	PUNCT
cblr-9983	1248	46	for	for	ADP
cblr-9983	1248	47	department	department	NOUN
cblr-9983	1248	48	,	,	PUNCT
cblr-9983	1248	49	if	if	SCONJ
cblr-9983	1248	50	courts	court	NOUN
cblr-9983	1248	51	were	be	AUX
cblr-9983	1248	52	unexpectedly	unexpectedly	ADV
cblr-9983	1248	53	to	to	PART
cblr-9983	1248	54	begin	begin	VERB
cblr-9983	1248	55	second	second	ADV
cblr-9983	1248	56	-	-	PUNCT
cblr-9983	1248	57	guessing	guess	VERB
cblr-9983	1248	58	supervisory	supervisory	ADJ
cblr-9983	1248	59	judgments	judgment	NOUN
cblr-9983	1248	60	as	as	ADP
cblr-9983	1248	61	to	to	ADP
cblr-9983	1248	62	banks	bank	NOUN
cblr-9983	1248	63	’	'	PUNCT
cblr-9983	1248	64	risk	risk	NOUN
cblr-9983	1248	65	management	management	NOUN
cblr-9983	1248	66	procedures	procedure	NOUN
cblr-9983	1248	67	and	and	CCONJ
cblr-9983	1248	68	performance	performance	NOUN
cblr-9983	1248	69	,	,	PUNCT
cblr-9983	1248	70	the	the	DET
cblr-9983	1248	71	agencies	agency	NOUN
cblr-9983	1248	72	would	would	AUX
cblr-9983	1248	73	be	be	AUX
cblr-9983	1248	74	incentivized	incentivize	VERB
cblr-9983	1248	75	to	to	PART
cblr-9983	1248	76	use	use	VERB
cblr-9983	1248	77	their	their	PRON
cblr-9983	1248	78	unreviewable	unreviewable	ADJ
cblr-9983	1248	79	discretion	discretion	NOUN
cblr-9983	1248	80	to	to	PART
cblr-9983	1248	81	issue	issue	VERB
cblr-9983	1248	82	directives	directive	NOUN
cblr-9983	1248	83	for	for	ADP
cblr-9983	1248	84	higher	high	ADJ
cblr-9983	1248	85	capital	capital	NOUN
cblr-9983	1248	86	when	when	SCONJ
cblr-9983	1248	87	a	a	DET
cblr-9983	1248	88	bank	bank	NOUN
cblr-9983	1248	89	’s	’s	PART
cblr-9983	1248	90	risk	risk	NOUN
cblr-9983	1248	91	management	management	NOUN
cblr-9983	1248	92	deficiencies	deficiency	NOUN
cblr-9983	1248	93	worried	worry	VERB
cblr-9983	1248	94	them	they	PRON
cblr-9983	1248	95	.	.	PUNCT
cblr-9983	1249	1	no	no	INTJ
cblr-9983	1249	2	.	.	PUNCT
cblr-9983	1250	1	1:279	1:279	NOUN
cblr-9983	1250	2	]	]	X
cblr-9983	1250	3	bank	bank	NOUN
cblr-9983	1250	4	supervision	supervision	NOUN
cblr-9983	1250	5	and	and	CCONJ
cblr-9983	1250	6	administrative	administrative	ADJ
cblr-9983	1250	7	law	law	NOUN
cblr-9983	1250	8	347	347	NUM
cblr-9983	1250	9	so	so	ADV
cblr-9983	1250	10	as	as	ADP
cblr-9983	1250	11	clearly	clearly	ADV
cblr-9983	1250	12	to	to	PART
cblr-9983	1250	13	allow	allow	VERB
cblr-9983	1250	14	certain	certain	ADJ
cblr-9983	1250	15	supervisory	supervisory	ADJ
cblr-9983	1250	16	communications	communication	NOUN
cblr-9983	1250	17	and	and	CCONJ
cblr-9983	1250	18	judgments	judgment	NOUN
cblr-9983	1250	19	that	that	PRON
cblr-9983	1250	20	undeniably	undeniably	ADV
cblr-9983	1250	21	can	can	AUX
cblr-9983	1250	22	affect	affect	VERB
cblr-9983	1250	23	bank	bank	NOUN
cblr-9983	1250	24	conduct	conduct	NOUN
cblr-9983	1250	25	.	.	PUNCT
cblr-9983	1251	1	but	but	CCONJ
cblr-9983	1251	2	the	the	DET
cblr-9983	1251	3	same	same	ADJ
cblr-9983	1251	4	consideration	consideration	NOUN
cblr-9983	1251	5	of	of	ADP
cblr-9983	1251	6	taking	take	VERB
cblr-9983	1251	7	due	due	ADJ
cblr-9983	1251	8	account	account	NOUN
cblr-9983	1251	9	of	of	ADP
cblr-9983	1251	10	the	the	DET
cblr-9983	1251	11	supervisory	supervisory	ADJ
cblr-9983	1251	12	relationship	relationship	NOUN
cblr-9983	1251	13	argues	argue	VERB
cblr-9983	1251	14	for	for	ADP
cblr-9983	1251	15	asking	ask	VERB
cblr-9983	1251	16	more	more	ADJ
cblr-9983	1251	17	of	of	ADP
cblr-9983	1251	18	the	the	DET
cblr-9983	1251	19	banking	banking	NOUN
cblr-9983	1251	20	agencies	agency	NOUN
cblr-9983	1251	21	in	in	ADP
cblr-9983	1251	22	assigning	assign	VERB
cblr-9983	1251	23	supervisory	supervisory	ADJ
cblr-9983	1251	24	ratings	rating	NOUN
cblr-9983	1251	25	than	than	ADP
cblr-9983	1251	26	current	current	ADJ
cblr-9983	1251	27	administrative	administrative	ADJ
cblr-9983	1251	28	law	law	NOUN
cblr-9983	1251	29	doctrine	doctrine	NOUN
cblr-9983	1251	30	requires	require	VERB
cblr-9983	1251	31	of	of	ADP
cblr-9983	1251	32	them.211	them.211	NOUN
cblr-9983	1251	33	that	that	PRON
cblr-9983	1251	34	is	be	AUX
cblr-9983	1251	35	,	,	PUNCT
cblr-9983	1251	36	a	a	DET
cblr-9983	1251	37	principled	principled	ADJ
cblr-9983	1251	38	departure	departure	NOUN
cblr-9983	1251	39	from	from	ADP
cblr-9983	1251	40	trans	trans	NOUN
cblr-9983	1251	41	-	-	NOUN
cblr-9983	1251	42	substantivity	substantivity	NOUN
cblr-9983	1251	43	in	in	ADP
cblr-9983	1251	44	administrative	administrative	ADJ
cblr-9983	1251	45	law	law	NOUN
cblr-9983	1251	46	should	should	AUX
cblr-9983	1251	47	not	not	PART
cblr-9983	1251	48	be	be	AUX
cblr-9983	1251	49	unidirectional	unidirectional	ADJ
cblr-9983	1251	50	,	,	PUNCT
cblr-9983	1251	51	but	but	CCONJ
cblr-9983	1251	52	should	should	AUX
cblr-9983	1251	53	instead	instead	ADV
cblr-9983	1251	54	take	take	VERB
cblr-9983	1251	55	us	we	PRON
cblr-9983	1251	56	where	where	SCONJ
cblr-9983	1251	57	the	the	DET
cblr-9983	1251	58	nature	nature	NOUN
cblr-9983	1251	59	and	and	CCONJ
cblr-9983	1251	60	congressional	congressional	ADJ
cblr-9983	1251	61	mandate	mandate	NOUN
cblr-9983	1251	62	of	of	ADP
cblr-9983	1251	63	bank	bank	NOUN
cblr-9983	1251	64	supervision	supervision	NOUN
cblr-9983	1251	65	lead	lead	NOUN
cblr-9983	1251	66	.	.	PUNCT
cblr-9983	1252	1	as	as	ADP
cblr-9983	1252	2	part	part	NOUN
cblr-9983	1252	3	iv	iv	PRON
cblr-9983	1252	4	will	will	AUX
cblr-9983	1252	5	argue	argue	VERB
cblr-9983	1252	6	,	,	PUNCT
cblr-9983	1252	7	adapting	adapt	VERB
cblr-9983	1252	8	apa	apa	PROPN
cblr-9983	1252	9	requirements	requirement	NOUN
cblr-9983	1252	10	to	to	ADP
cblr-9983	1252	11	the	the	DET
cblr-9983	1252	12	realities	reality	NOUN
cblr-9983	1252	13	of	of	ADP
cblr-9983	1252	14	the	the	DET
cblr-9983	1252	15	bank	bank	NOUN
cblr-9983	1252	16	supervisory	supervisory	ADJ
cblr-9983	1252	17	relationship	relationship	NOUN
cblr-9983	1252	18	would	would	AUX
cblr-9983	1252	19	entail	entail	VERB
cblr-9983	1252	20	more	more	ADV
cblr-9983	1252	21	effective	effective	ADJ
cblr-9983	1252	22	review	review	NOUN
cblr-9983	1252	23	of	of	ADP
cblr-9983	1252	24	ratings	rating	NOUN
cblr-9983	1252	25	decisions	decision	NOUN
cblr-9983	1252	26	than	than	SCONJ
cblr-9983	1252	27	arguably	arguably	ADV
cblr-9983	1252	28	exists	exist	VERB
cblr-9983	1252	29	at	at	ADP
cblr-9983	1252	30	present	present	ADJ
cblr-9983	1252	31	.	.	PUNCT
cblr-9983	1253	1	as	as	ADP
cblr-9983	1253	2	a	a	DET
cblr-9983	1253	3	group	group	NOUN
cblr-9983	1253	4	,	,	PUNCT
cblr-9983	1253	5	banks	bank	NOUN
cblr-9983	1253	6	would	would	AUX
cblr-9983	1253	7	surely	surely	ADV
cblr-9983	1253	8	do	do	VERB
cblr-9983	1253	9	better	well	ADV
cblr-9983	1253	10	with	with	ADP
cblr-9983	1253	11	a	a	DET
cblr-9983	1253	12	more	more	ADV
cblr-9983	1253	13	responsive	responsive	ADJ
cblr-9983	1253	14	internal	internal	ADJ
cblr-9983	1253	15	agency	agency	NOUN
cblr-9983	1253	16	review	review	NOUN
cblr-9983	1253	17	process	process	NOUN
cblr-9983	1253	18	that	that	PRON
cblr-9983	1253	19	placed	place	VERB
cblr-9983	1253	20	the	the	DET
cblr-9983	1253	21	weight	weight	NOUN
cblr-9983	1253	22	of	of	ADP
cblr-9983	1253	23	the	the	DET
cblr-9983	1253	24	agency	agency	NOUN
cblr-9983	1253	25	leadership	leadership	NOUN
cblr-9983	1253	26	behind	behind	ADP
cblr-9983	1253	27	ratings	rating	NOUN
cblr-9983	1253	28	reviews	review	NOUN
cblr-9983	1253	29	than	than	ADP
cblr-9983	1253	30	with	with	ADP
cblr-9983	1253	31	highly	highly	ADV
cblr-9983	1253	32	legalized	legalize	VERB
cblr-9983	1253	33	,	,	PUNCT
cblr-9983	1253	34	judicially	judicially	ADV
cblr-9983	1253	35	-	-	PUNCT
cblr-9983	1253	36	centered	center	VERB
cblr-9983	1253	37	review	review	NOUN
cblr-9983	1253	38	.	.	PUNCT
cblr-9983	1254	1	the	the	DET
cblr-9983	1254	2	existence	existence	NOUN
cblr-9983	1254	3	of	of	ADP
cblr-9983	1254	4	such	such	DET
cblr-9983	1254	5	a	a	DET
cblr-9983	1254	6	process	process	NOUN
cblr-9983	1254	7	could	could	AUX
cblr-9983	1254	8	in	in	ADP
cblr-9983	1254	9	turn	turn	NOUN
cblr-9983	1254	10	provide	provide	VERB
cblr-9983	1254	11	courts	court	NOUN
cblr-9983	1254	12	with	with	ADP
cblr-9983	1254	13	a	a	DET
cblr-9983	1254	14	more	more	ADV
cblr-9983	1254	15	effective	effective	ADJ
cblr-9983	1254	16	means	mean	NOUN
cblr-9983	1254	17	of	of	ADP
cblr-9983	1254	18	providing	provide	VERB
cblr-9983	1254	19	appropriate	appropriate	ADJ
cblr-9983	1254	20	checks	check	NOUN
cblr-9983	1254	21	on	on	ADP
cblr-9983	1254	22	agency	agency	NOUN
cblr-9983	1254	23	discretion	discretion	NOUN
cblr-9983	1254	24	in	in	ADP
cblr-9983	1254	25	the	the	DET
cblr-9983	1254	26	ratings	rating	NOUN
cblr-9983	1254	27	process	process	NOUN
cblr-9983	1254	28	.	.	PUNCT
cblr-9983	1255	1	c.	c.	NOUN
cblr-9983	1255	2	supervisory	supervisory	ADJ
cblr-9983	1255	3	guidance	guidance	NOUN
cblr-9983	1255	4	and	and	CCONJ
cblr-9983	1255	5	communication	communication	NOUN
cblr-9983	1255	6	this	this	DET
cblr-9983	1255	7	section	section	NOUN
cblr-9983	1255	8	examines	examine	VERB
cblr-9983	1255	9	the	the	DET
cblr-9983	1255	10	consistency	consistency	NOUN
cblr-9983	1255	11	of	of	ADP
cblr-9983	1255	12	supervisory	supervisory	ADJ
cblr-9983	1255	13	guidance	guidance	NOUN
cblr-9983	1255	14	with	with	ADP
cblr-9983	1255	15	generally	generally	ADV
cblr-9983	1255	16	applicable	applicable	ADJ
cblr-9983	1255	17	administrative	administrative	ADJ
cblr-9983	1255	18	law	law	NOUN
cblr-9983	1255	19	doctrines	doctrine	NOUN
cblr-9983	1255	20	.	.	PUNCT
cblr-9983	1256	1	in	in	ADP
cblr-9983	1256	2	many	many	ADJ
cblr-9983	1256	3	respects	respect	NOUN
cblr-9983	1256	4	,	,	PUNCT
cblr-9983	1256	5	the	the	DET
cblr-9983	1256	6	use	use	NOUN
cblr-9983	1256	7	of	of	ADP
cblr-9983	1256	8	guidance	guidance	NOUN
cblr-9983	1256	9	and	and	CCONJ
cblr-9983	1256	10	various	various	ADJ
cblr-9983	1256	11	forms	form	NOUN
cblr-9983	1256	12	of	of	ADP
cblr-9983	1256	13	communication	communication	NOUN
cblr-9983	1256	14	associated	associate	VERB
cblr-9983	1256	15	with	with	ADP
cblr-9983	1256	16	it	it	PRON
cblr-9983	1256	17	best	well	ADV
cblr-9983	1256	18	exemplifies	exemplify	VERB
cblr-9983	1256	19	the	the	DET
cblr-9983	1256	20	bank	bank	NOUN
cblr-9983	1256	21	supervisory	supervisory	ADJ
cblr-9983	1256	22	function	function	NOUN
cblr-9983	1256	23	.	.	PUNCT
cblr-9983	1257	1	while	while	SCONJ
cblr-9983	1257	2	the	the	DET
cblr-9983	1257	3	stronger	strong	ADJ
cblr-9983	1257	4	argument	argument	NOUN
cblr-9983	1257	5	is	be	AUX
cblr-9983	1257	6	that	that	SCONJ
cblr-9983	1257	7	current	current	ADJ
cblr-9983	1257	8	practices	practice	NOUN
cblr-9983	1257	9	are	be	AUX
cblr-9983	1257	10	consistent	consistent	ADJ
cblr-9983	1257	11	with	with	ADP
cblr-9983	1257	12	administrative	administrative	ADJ
cblr-9983	1257	13	law	law	NOUN
cblr-9983	1257	14	,	,	PUNCT
cblr-9983	1257	15	there	there	PRON
cblr-9983	1257	16	is	be	VERB
cblr-9983	1257	17	more	more	ADJ
cblr-9983	1257	18	uncertainty	uncertainty	NOUN
cblr-9983	1257	19	on	on	ADP
cblr-9983	1257	20	this	this	DET
cblr-9983	1257	21	topic	topic	NOUN
cblr-9983	1257	22	than	than	ADP
cblr-9983	1257	23	on	on	ADP
cblr-9983	1257	24	the	the	DET
cblr-9983	1257	25	two	two	NUM
cblr-9983	1257	26	supervisory	supervisory	ADJ
cblr-9983	1257	27	actions	action	NOUN
cblr-9983	1257	28	considered	consider	VERB
cblr-9983	1257	29	in	in	ADP
cblr-9983	1257	30	prior	prior	ADJ
cblr-9983	1257	31	sections	section	NOUN
cblr-9983	1257	32	.	.	PUNCT
cblr-9983	1258	1	the	the	DET
cblr-9983	1258	2	uncertainty	uncertainty	NOUN
cblr-9983	1258	3	is	be	AUX
cblr-9983	1258	4	in	in	ADP
cblr-9983	1258	5	part	part	NOUN
cblr-9983	1258	6	a	a	DET
cblr-9983	1258	7	consequence	consequence	NOUN
cblr-9983	1258	8	of	of	ADP
cblr-9983	1258	9	the	the	DET
cblr-9983	1258	10	famously	famously	ADV
cblr-9983	1258	11	muddled	muddled	ADJ
cblr-9983	1258	12	state	state	NOUN
cblr-9983	1258	13	of	of	ADP
cblr-9983	1258	14	doctrine	doctrine	NOUN
cblr-9983	1258	15	on	on	ADP
cblr-9983	1258	16	what	what	DET
cblr-9983	1258	17	types	type	NOUN
cblr-9983	1258	18	of	of	ADP
cblr-9983	1258	19	administrative	administrative	ADJ
cblr-9983	1258	20	guidance	guidance	NOUN
cblr-9983	1258	21	are	be	AUX
cblr-9983	1258	22	211	211	NUM
cblr-9983	1258	23	the	the	DET
cblr-9983	1258	24	banking	banking	NOUN
cblr-9983	1258	25	agencies	agency	NOUN
cblr-9983	1258	26	have	have	AUX
cblr-9983	1258	27	taken	take	VERB
cblr-9983	1258	28	steps	step	NOUN
cblr-9983	1258	29	to	to	PART
cblr-9983	1258	30	enhance	enhance	VERB
cblr-9983	1258	31	the	the	DET
cblr-9983	1258	32	attractiveness	attractiveness	NOUN
cblr-9983	1258	33	of	of	ADP
cblr-9983	1258	34	their	their	PRON
cblr-9983	1258	35	internal	internal	ADJ
cblr-9983	1258	36	appeals	appeal	NOUN
cblr-9983	1258	37	processes	process	NOUN
cblr-9983	1258	38	for	for	ADP
cblr-9983	1258	39	ratings	rating	NOUN
cblr-9983	1258	40	and	and	CCONJ
cblr-9983	1258	41	other	other	ADJ
cblr-9983	1258	42	significant	significant	ADJ
cblr-9983	1258	43	supervisory	supervisory	ADJ
cblr-9983	1258	44	actions	action	NOUN
cblr-9983	1258	45	.	.	PUNCT
cblr-9983	1259	1	most	most	ADV
cblr-9983	1259	2	recently	recently	ADV
cblr-9983	1259	3	,	,	PUNCT
cblr-9983	1259	4	the	the	DET
cblr-9983	1259	5	fdic	fdic	PROPN
cblr-9983	1259	6	has	have	AUX
cblr-9983	1259	7	proposed	propose	VERB
cblr-9983	1259	8	creation	creation	NOUN
cblr-9983	1259	9	of	of	ADP
cblr-9983	1259	10	an	an	DET
cblr-9983	1259	11	independent	independent	ADJ
cblr-9983	1259	12	office	office	NOUN
cblr-9983	1259	13	of	of	ADP
cblr-9983	1259	14	supervisory	supervisory	ADJ
cblr-9983	1259	15	appeals	appeal	NOUN
cblr-9983	1259	16	,	,	PUNCT
cblr-9983	1259	17	whose	whose	DET
cblr-9983	1259	18	members	member	NOUN
cblr-9983	1259	19	would	would	AUX
cblr-9983	1259	20	be	be	AUX
cblr-9983	1259	21	drawn	draw	VERB
cblr-9983	1259	22	from	from	ADP
cblr-9983	1259	23	outside	outside	ADP
cblr-9983	1259	24	the	the	DET
cblr-9983	1259	25	agency	agency	NOUN
cblr-9983	1259	26	.	.	PUNCT
cblr-9983	1260	1	guidelines	guideline	NOUN
cblr-9983	1260	2	for	for	ADP
cblr-9983	1260	3	appeals	appeal	NOUN
cblr-9983	1260	4	of	of	ADP
cblr-9983	1260	5	material	material	ADJ
cblr-9983	1260	6	supervisory	supervisory	ADJ
cblr-9983	1260	7	determinations	determination	NOUN
cblr-9983	1260	8	,	,	PUNCT
cblr-9983	1260	9	85	85	NUM
cblr-9983	1260	10	fed	feed	VERB
cblr-9983	1260	11	.	.	PUNCT
cblr-9983	1261	1	reg	reg	PROPN
cblr-9983	1261	2	.	.	PROPN
cblr-9983	1261	3	54,377	54,377	NUM
cblr-9983	1261	4	,	,	PUNCT
cblr-9983	1261	5	54,377	54,377	NUM
cblr-9983	1261	6	(	(	PUNCT
cblr-9983	1261	7	notice	notice	PROPN
cblr-9983	1261	8	sept	sept	PROPN
cblr-9983	1261	9	.	.	PROPN
cblr-9983	1261	10	1	1	NUM
cblr-9983	1261	11	,	,	PUNCT
cblr-9983	1261	12	2020	2020	NUM
cblr-9983	1261	13	)	)	PUNCT
cblr-9983	1261	14	.	.	PUNCT
cblr-9983	1262	1	this	this	DET
cblr-9983	1262	2	change	change	NOUN
cblr-9983	1262	3	may	may	AUX
cblr-9983	1262	4	be	be	AUX
cblr-9983	1262	5	of	of	ADP
cblr-9983	1262	6	some	some	DET
cblr-9983	1262	7	benefit	benefit	NOUN
cblr-9983	1262	8	to	to	ADP
cblr-9983	1262	9	banks	bank	NOUN
cblr-9983	1262	10	,	,	PUNCT
cblr-9983	1262	11	though	though	SCONJ
cblr-9983	1262	12	concerns	concern	NOUN
cblr-9983	1262	13	about	about	ADP
cblr-9983	1262	14	damaging	damage	VERB
cblr-9983	1262	15	supervisory	supervisory	ADJ
cblr-9983	1262	16	relationships	relationship	NOUN
cblr-9983	1262	17	may	may	AUX
cblr-9983	1262	18	well	well	ADV
cblr-9983	1262	19	remain	remain	VERB
cblr-9983	1262	20	.	.	PUNCT
cblr-9983	1263	1	348	348	NUM
cblr-9983	1263	2	columbia	columbia	PROPN
cblr-9983	1263	3	business	business	NOUN
cblr-9983	1263	4	law	law	PROPN
cblr-9983	1263	5	review	review	NOUN
cblr-9983	1263	6	[	[	X
cblr-9983	1263	7	vol	vol	NOUN
cblr-9983	1263	8	.	.	PUNCT
cblr-9983	1263	9	2022	2022	NUM
cblr-9983	1263	10	contained	contain	VERB
cblr-9983	1263	11	within	within	ADP
cblr-9983	1263	12	the	the	DET
cblr-9983	1263	13	apa	apa	PROPN
cblr-9983	1263	14	exception	exception	NOUN
cblr-9983	1263	15	to	to	ADP
cblr-9983	1263	16	notice	notice	VERB
cblr-9983	1263	17	-	-	PUNCT
cblr-9983	1263	18	and	and	CCONJ
cblr-9983	1263	19	-	-	PUNCT
cblr-9983	1263	20	comment	comment	NOUN
cblr-9983	1263	21	rulemaking	rulemaking	NOUN
cblr-9983	1263	22	for	for	ADP
cblr-9983	1263	23	“	"	PUNCT
cblr-9983	1263	24	general	general	ADJ
cblr-9983	1263	25	statements	statement	NOUN
cblr-9983	1263	26	of	of	ADP
cblr-9983	1263	27	policy	policy	NOUN
cblr-9983	1263	28	.	.	PUNCT
cblr-9983	1263	29	”212	”212	PUNCT
cblr-9983	1263	30	in	in	ADP
cblr-9983	1263	31	addition	addition	NOUN
cblr-9983	1263	32	,	,	PUNCT
cblr-9983	1263	33	because	because	SCONJ
cblr-9983	1263	34	some	some	DET
cblr-9983	1263	35	forms	form	NOUN
cblr-9983	1263	36	of	of	ADP
cblr-9983	1263	37	supervisory	supervisory	ADJ
cblr-9983	1263	38	communication	communication	NOUN
cblr-9983	1263	39	,	,	PUNCT
cblr-9983	1263	40	such	such	ADJ
cblr-9983	1263	41	as	as	ADP
cblr-9983	1263	42	mras	mras	ADJ
cblr-9983	1263	43	,	,	PUNCT
cblr-9983	1263	44	have	have	VERB
cblr-9983	1263	45	few	few	ADJ
cblr-9983	1263	46	close	close	ADJ
cblr-9983	1263	47	parallels	parallel	NOUN
cblr-9983	1263	48	outside	outside	ADP
cblr-9983	1263	49	banking	banking	NOUN
cblr-9983	1263	50	regulation	regulation	NOUN
cblr-9983	1263	51	,	,	PUNCT
cblr-9983	1263	52	there	there	PRON
cblr-9983	1263	53	is	be	VERB
cblr-9983	1263	54	limited	limit	VERB
cblr-9983	1263	55	direct	direct	ADJ
cblr-9983	1263	56	precedent	precedent	NOUN
cblr-9983	1263	57	on	on	ADP
cblr-9983	1263	58	which	which	PRON
cblr-9983	1263	59	to	to	PART
cblr-9983	1263	60	draw	draw	VERB
cblr-9983	1263	61	in	in	ADP
cblr-9983	1263	62	projecting	project	VERB
cblr-9983	1263	63	how	how	SCONJ
cblr-9983	1263	64	they	they	PRON
cblr-9983	1263	65	would	would	AUX
cblr-9983	1263	66	be	be	AUX
cblr-9983	1263	67	treated	treat	VERB
cblr-9983	1263	68	by	by	ADP
cblr-9983	1263	69	courts	court	NOUN
cblr-9983	1263	70	under	under	ADP
cblr-9983	1263	71	current	current	ADJ
cblr-9983	1263	72	law	law	NOUN
cblr-9983	1263	73	.	.	PUNCT
cblr-9983	1264	1	finally	finally	ADV
cblr-9983	1264	2	,	,	PUNCT
cblr-9983	1264	3	as	as	SCONJ
cblr-9983	1264	4	i	i	PRON
cblr-9983	1264	5	will	will	AUX
cblr-9983	1264	6	explain	explain	VERB
cblr-9983	1264	7	following	follow	VERB
cblr-9983	1264	8	the	the	DET
cblr-9983	1264	9	doctrinal	doctrinal	ADJ
cblr-9983	1264	10	analysis	analysis	NOUN
cblr-9983	1264	11	,	,	PUNCT
cblr-9983	1264	12	this	this	DET
cblr-9983	1264	13	characteristic	characteristic	ADJ
cblr-9983	1264	14	form	form	NOUN
cblr-9983	1264	15	of	of	ADP
cblr-9983	1264	16	supervision	supervision	NOUN
cblr-9983	1264	17	reveals	reveal	VERB
cblr-9983	1264	18	most	most	ADV
cblr-9983	1264	19	clearly	clearly	ADV
cblr-9983	1264	20	the	the	DET
cblr-9983	1264	21	sometimes	sometimes	ADV
cblr-9983	1264	22	-	-	PUNCT
cblr-9983	1264	23	awkward	awkward	ADJ
cblr-9983	1264	24	fit	fit	NOUN
cblr-9983	1264	25	between	between	ADP
cblr-9983	1264	26	elements	element	NOUN
cblr-9983	1264	27	of	of	ADP
cblr-9983	1264	28	administrative	administrative	ADJ
cblr-9983	1264	29	law	law	NOUN
cblr-9983	1264	30	and	and	CCONJ
cblr-9983	1264	31	the	the	DET
cblr-9983	1264	32	longstanding	longstanding	ADJ
cblr-9983	1264	33	statutory	statutory	ADJ
cblr-9983	1264	34	mandate	mandate	NOUN
cblr-9983	1264	35	for	for	ADP
cblr-9983	1264	36	a	a	DET
cblr-9983	1264	37	supervisory	supervisory	ADJ
cblr-9983	1264	38	function	function	NOUN
cblr-9983	1264	39	.	.	PUNCT
cblr-9983	1265	1	the	the	DET
cblr-9983	1265	2	issues	issue	NOUN
cblr-9983	1265	3	are	be	AUX
cblr-9983	1265	4	best	well	ADV
cblr-9983	1265	5	illustrated	illustrate	VERB
cblr-9983	1265	6	with	with	ADP
cblr-9983	1265	7	a	a	DET
cblr-9983	1265	8	concrete	concrete	ADJ
cblr-9983	1265	9	example	example	NOUN
cblr-9983	1265	10	.	.	PUNCT
cblr-9983	1266	1	i	i	PRON
cblr-9983	1266	2	have	have	AUX
cblr-9983	1266	3	hypothesized	hypothesize	VERB
cblr-9983	1266	4	a	a	DET
cblr-9983	1266	5	set	set	NOUN
cblr-9983	1266	6	of	of	ADP
cblr-9983	1266	7	supervisory	supervisory	ADJ
cblr-9983	1266	8	actions	action	NOUN
cblr-9983	1266	9	in	in	ADP
cblr-9983	1266	10	order	order	NOUN
cblr-9983	1266	11	to	to	PART
cblr-9983	1266	12	focus	focus	VERB
cblr-9983	1266	13	on	on	ADP
cblr-9983	1266	14	the	the	DET
cblr-9983	1266	15	interaction	interaction	NOUN
cblr-9983	1266	16	of	of	ADP
cblr-9983	1266	17	banking	banking	NOUN
cblr-9983	1266	18	agency	agency	NOUN
cblr-9983	1266	19	guidance	guidance	NOUN
cblr-9983	1266	20	with	with	ADP
cblr-9983	1266	21	notices	notice	NOUN
cblr-9983	1266	22	of	of	ADP
cblr-9983	1266	23	mras	mras	ADJ
cblr-9983	1266	24	and	and	CCONJ
cblr-9983	1266	25	bank	bank	NOUN
cblr-9983	1266	26	ratings	rating	NOUN
cblr-9983	1266	27	decisions	decision	NOUN
cblr-9983	1266	28	,	,	PUNCT
cblr-9983	1266	29	two	two	NUM
cblr-9983	1266	30	forms	form	NOUN
cblr-9983	1266	31	of	of	ADP
cblr-9983	1266	32	administrative	administrative	ADJ
cblr-9983	1266	33	actions	action	NOUN
cblr-9983	1266	34	peculiar	peculiar	ADJ
cblr-9983	1266	35	to	to	ADP
cblr-9983	1266	36	banking	banking	NOUN
cblr-9983	1266	37	supervision	supervision	NOUN
cblr-9983	1266	38	.	.	PUNCT
cblr-9983	1267	1	before	before	ADP
cblr-9983	1267	2	proceeding	proceed	VERB
cblr-9983	1267	3	,	,	PUNCT
cblr-9983	1267	4	i	i	PRON
cblr-9983	1267	5	should	should	AUX
cblr-9983	1267	6	note	note	VERB
cblr-9983	1267	7	that	that	SCONJ
cblr-9983	1267	8	in	in	ADP
cblr-9983	1267	9	the	the	DET
cblr-9983	1267	10	last	last	ADJ
cblr-9983	1267	11	several	several	ADJ
cblr-9983	1267	12	years	year	NOUN
cblr-9983	1267	13	,	,	PUNCT
cblr-9983	1267	14	the	the	DET
cblr-9983	1267	15	banking	banking	NOUN
cblr-9983	1267	16	agencies	agency	NOUN
cblr-9983	1267	17	have	have	AUX
cblr-9983	1267	18	moved	move	VERB
cblr-9983	1267	19	closer	close	ADV
cblr-9983	1267	20	in	in	ADP
cblr-9983	1267	21	practice	practice	NOUN
cblr-9983	1267	22	to	to	ADP
cblr-9983	1267	23	the	the	DET
cblr-9983	1267	24	more	more	ADV
cblr-9983	1267	25	legalized	legalize	VERB
cblr-9983	1267	26	approach	approach	NOUN
cblr-9983	1267	27	to	to	ADP
cblr-9983	1267	28	guidance	guidance	NOUN
cblr-9983	1267	29	advocated	advocate	VERB
cblr-9983	1267	30	by	by	ADP
cblr-9983	1267	31	various	various	ADJ
cblr-9983	1267	32	banking	banking	NOUN
cblr-9983	1267	33	interests	interest	NOUN
cblr-9983	1267	34	.	.	PUNCT
cblr-9983	1268	1	that	that	DET
cblr-9983	1268	2	direction	direction	NOUN
cblr-9983	1268	3	was	be	AUX
cblr-9983	1268	4	reflected	reflect	VERB
cblr-9983	1268	5	to	to	ADP
cblr-9983	1268	6	some	some	DET
cblr-9983	1268	7	degree	degree	NOUN
cblr-9983	1268	8	in	in	ADP
cblr-9983	1268	9	a	a	DET
cblr-9983	1268	10	2018	2018	NUM
cblr-9983	1268	11	interagency	interagency	NOUN
cblr-9983	1268	12	statement.213	statement.213	NOUN
cblr-9983	1268	13	it	it	PRON
cblr-9983	1268	14	was	be	AUX
cblr-9983	1268	15	reflected	reflect	VERB
cblr-9983	1268	16	much	much	ADV
cblr-9983	1268	17	more	more	ADV
cblr-9983	1268	18	explicitly	explicitly	ADV
cblr-9983	1268	19	in	in	ADP
cblr-9983	1268	20	various	various	ADJ
cblr-9983	1268	21	speeches	speech	NOUN
cblr-9983	1268	22	of	of	ADP
cblr-9983	1268	23	the	the	DET
cblr-9983	1268	24	federal	federal	PROPN
cblr-9983	1268	25	reserve	reserve	PROPN
cblr-9983	1268	26	governor	governor	NOUN
cblr-9983	1268	27	who	who	PRON
cblr-9983	1268	28	was	be	AUX
cblr-9983	1268	29	the	the	DET
cblr-9983	1268	30	vice	vice	NOUN
cblr-9983	1268	31	chair	chair	NOUN
cblr-9983	1268	32	for	for	ADP
cblr-9983	1268	33	supervision	supervision	NOUN
cblr-9983	1268	34	from	from	ADP
cblr-9983	1268	35	october	october	PROPN
cblr-9983	1268	36	2017	2017	NUM
cblr-9983	1268	37	through	through	ADP
cblr-9983	1268	38	october	october	PROPN
cblr-9983	1268	39	2021.214	2021.214	NUM
cblr-9983	1268	40	at	at	ADP
cblr-9983	1268	41	the	the	DET
cblr-9983	1268	42	request	request	NOUN
cblr-9983	1268	43	of	of	ADP
cblr-9983	1268	44	those	those	DET
cblr-9983	1268	45	212	212	NUM
cblr-9983	1268	46	5	5	NUM
cblr-9983	1268	47	u.s.c	u.s.c	NOUN
cblr-9983	1268	48	.	.	PUNCT
cblr-9983	1269	1	§	§	PROPN
cblr-9983	1269	2	553(b	553(b	PROPN
cblr-9983	1269	3	)	)	PUNCT
cblr-9983	1269	4	(	(	PUNCT
cblr-9983	1269	5	2018	2018	NUM
cblr-9983	1269	6	)	)	PUNCT
cblr-9983	1269	7	.	.	PUNCT
cblr-9983	1270	1	judicial	judicial	ADJ
cblr-9983	1270	2	comments	comment	NOUN
cblr-9983	1270	3	on	on	ADP
cblr-9983	1270	4	the	the	DET
cblr-9983	1270	5	confused	confused	ADJ
cblr-9983	1270	6	state	state	NOUN
cblr-9983	1270	7	of	of	ADP
cblr-9983	1270	8	the	the	DET
cblr-9983	1270	9	doctrine	doctrine	NOUN
cblr-9983	1270	10	go	go	VERB
cblr-9983	1270	11	back	back	ADV
cblr-9983	1270	12	decades	decade	NOUN
cblr-9983	1270	13	.	.	PUNCT
cblr-9983	1271	1	see	see	VERB
cblr-9983	1271	2	,	,	PUNCT
cblr-9983	1271	3	e.g.	e.g.	ADV
cblr-9983	1271	4	,	,	PUNCT
cblr-9983	1271	5	noel	noel	PROPN
cblr-9983	1271	6	v.	v.	PROPN
cblr-9983	1271	7	chapman	chapman	PROPN
cblr-9983	1271	8	,	,	PUNCT
cblr-9983	1271	9	508	508	NUM
cblr-9983	1271	10	f.2d	f.2d	NOUN
cblr-9983	1271	11	1023	1023	NUM
cblr-9983	1271	12	,	,	PUNCT
cblr-9983	1271	13	1029–30	1029–30	NUM
cblr-9983	1271	14	(	(	PUNCT
cblr-9983	1271	15	2d	2d	NUM
cblr-9983	1271	16	cir	cir	NOUN
cblr-9983	1271	17	.	.	PUNCT
cblr-9983	1271	18	1975	1975	NUM
cblr-9983	1271	19	)	)	PUNCT
cblr-9983	1272	1	(	(	PUNCT
cblr-9983	1272	2	commenting	comment	VERB
cblr-9983	1272	3	that	that	SCONJ
cblr-9983	1272	4	the	the	DET
cblr-9983	1272	5	distinction	distinction	NOUN
cblr-9983	1272	6	between	between	ADP
cblr-9983	1272	7	a	a	DET
cblr-9983	1272	8	rule	rule	NOUN
cblr-9983	1272	9	for	for	ADP
cblr-9983	1272	10	which	which	PRON
cblr-9983	1272	11	notice	notice	NOUN
cblr-9983	1272	12	-	-	PUNCT
cblr-9983	1272	13	and	and	CCONJ
cblr-9983	1272	14	-	-	PUNCT
cblr-9983	1272	15	comment	comment	NOUN
cblr-9983	1272	16	is	be	AUX
cblr-9983	1272	17	required	require	VERB
cblr-9983	1272	18	and	and	CCONJ
cblr-9983	1272	19	a	a	DET
cblr-9983	1272	20	general	general	ADJ
cblr-9983	1272	21	statement	statement	NOUN
cblr-9983	1272	22	of	of	ADP
cblr-9983	1272	23	policy	policy	NOUN
cblr-9983	1272	24	is	be	AUX
cblr-9983	1272	25	“	"	PUNCT
cblr-9983	1272	26	enshrouded	enshroud	VERB
cblr-9983	1272	27	in	in	ADP
cblr-9983	1272	28	considerable	considerable	ADJ
cblr-9983	1272	29	smog	smog	NOUN
cblr-9983	1272	30	”	"	PUNCT
cblr-9983	1272	31	)	)	PUNCT
cblr-9983	1272	32	.	.	PUNCT
cblr-9983	1273	1	quite	quite	ADV
cblr-9983	1273	2	recent	recent	ADJ
cblr-9983	1273	3	judicial	judicial	ADJ
cblr-9983	1273	4	comments	comment	NOUN
cblr-9983	1273	5	along	along	ADP
cblr-9983	1273	6	the	the	DET
cblr-9983	1273	7	same	same	ADJ
cblr-9983	1273	8	lines	line	NOUN
cblr-9983	1273	9	confirm	confirm	VERB
cblr-9983	1273	10	that	that	SCONJ
cblr-9983	1273	11	the	the	DET
cblr-9983	1273	12	confusion	confusion	NOUN
cblr-9983	1273	13	has	have	AUX
cblr-9983	1273	14	not	not	PART
cblr-9983	1273	15	been	be	AUX
cblr-9983	1273	16	dispelled	dispel	VERB
cblr-9983	1273	17	in	in	ADP
cblr-9983	1273	18	the	the	DET
cblr-9983	1273	19	intervening	intervene	VERB
cblr-9983	1273	20	period	period	NOUN
cblr-9983	1273	21	.	.	PUNCT
cblr-9983	1274	1	see	see	VERB
cblr-9983	1274	2	,	,	PUNCT
cblr-9983	1274	3	e.g.	e.g.	ADV
cblr-9983	1274	4	,	,	PUNCT
cblr-9983	1274	5	nat’l	nat’l	NOUN
cblr-9983	1274	6	mining	mining	NOUN
cblr-9983	1274	7	ass’n	ass’n	PROPN
cblr-9983	1274	8	v.	v.	ADP
cblr-9983	1274	9	mccarthy	mccarthy	PROPN
cblr-9983	1274	10	,	,	PUNCT
cblr-9983	1274	11	758	758	NUM
cblr-9983	1274	12	f.3d	f.3d	NUM
cblr-9983	1274	13	243	243	NUM
cblr-9983	1274	14	,	,	PUNCT
cblr-9983	1274	15	251	251	NUM
cblr-9983	1274	16	(	(	PUNCT
cblr-9983	1274	17	d.c	d.c	PROPN
cblr-9983	1274	18	.	.	PROPN
cblr-9983	1274	19	cir	cir	PROPN
cblr-9983	1274	20	.	.	PROPN
cblr-9983	1274	21	2014	2014	NUM
cblr-9983	1274	22	)	)	PUNCT
cblr-9983	1274	23	(	(	PUNCT
cblr-9983	1274	24	inquiry	inquiry	NOUN
cblr-9983	1274	25	into	into	ADP
cblr-9983	1274	26	how	how	SCONJ
cblr-9983	1274	27	to	to	PART
cblr-9983	1274	28	classify	classify	VERB
cblr-9983	1274	29	an	an	DET
cblr-9983	1274	30	agency	agency	NOUN
cblr-9983	1274	31	action	action	NOUN
cblr-9983	1274	32	“	"	PUNCT
cblr-9983	1274	33	turns	turn	VERB
cblr-9983	1274	34	out	out	ADP
cblr-9983	1274	35	to	to	PART
cblr-9983	1274	36	be	be	AUX
cblr-9983	1274	37	quite	quite	ADV
cblr-9983	1274	38	difficult	difficult	ADJ
cblr-9983	1274	39	and	and	CCONJ
cblr-9983	1274	40	confused	confused	ADJ
cblr-9983	1274	41	”	"	PUNCT
cblr-9983	1274	42	)	)	PUNCT
cblr-9983	1274	43	.	.	PUNCT
cblr-9983	1275	1	213	213	NUM
cblr-9983	1275	2	bd	bd	NOUN
cblr-9983	1275	3	.	.	PROPN
cblr-9983	1275	4	of	of	ADP
cblr-9983	1275	5	governors	governor	NOUN
cblr-9983	1275	6	of	of	ADP
cblr-9983	1275	7	the	the	DET
cblr-9983	1275	8	fed	fed	PROPN
cblr-9983	1275	9	.	.	PUNCT
cblr-9983	1275	10	rsrv	rsrv	PROPN
cblr-9983	1275	11	.	.	PUNCT
cblr-9983	1276	1	sys	sys	PROPN
cblr-9983	1276	2	.	.	PROPN
cblr-9983	1276	3	,	,	PUNCT
cblr-9983	1276	4	sr	sr	PROPN
cblr-9983	1276	5	18	18	NUM
cblr-9983	1276	6	-	-	SYM
cblr-9983	1276	7	5	5	NUM
cblr-9983	1276	8	:	:	PUNCT
cblr-9983	1276	9	interagency	interagency	NOUN
cblr-9983	1276	10	statement	statement	NOUN
cblr-9983	1276	11	clarifying	clarify	VERB
cblr-9983	1276	12	the	the	DET
cblr-9983	1276	13	role	role	NOUN
cblr-9983	1276	14	of	of	ADP
cblr-9983	1276	15	supervisory	supervisory	ADJ
cblr-9983	1276	16	guidance	guidance	NOUN
cblr-9983	1276	17	(	(	PUNCT
cblr-9983	1276	18	sept	sept	PROPN
cblr-9983	1276	19	.	.	PROPN
cblr-9983	1276	20	12	12	NUM
cblr-9983	1276	21	,	,	PUNCT
cblr-9983	1276	22	2018	2018	NUM
cblr-9983	1276	23	)	)	PUNCT
cblr-9983	1276	24	,	,	PUNCT
cblr-9983	1276	25	https://www.fdic.gov/news/press-releases/2018/pr18059a.pdf	https://www.fdic.gov/news/press-releases/2018/pr18059a.pdf	ADJ
cblr-9983	1277	1	[	[	X
cblr-9983	1277	2	https://perma.cc/j6hj-nhhf	https://perma.cc/j6hj-nhhf	NOUN
cblr-9983	1277	3	]	]	X
cblr-9983	1277	4	.	.	PUNCT
cblr-9983	1278	1	214	214	NUM
cblr-9983	1278	2	see	see	VERB
cblr-9983	1278	3	,	,	PUNCT
cblr-9983	1278	4	e.g.	e.g.	ADV
cblr-9983	1278	5	,	,	PUNCT
cblr-9983	1278	6	randal	randal	PROPN
cblr-9983	1278	7	k.	k.	PROPN
cblr-9983	1278	8	quarles	quarles	PROPN
cblr-9983	1278	9	,	,	PUNCT
cblr-9983	1278	10	vice	vice	NOUN
cblr-9983	1278	11	chair	chair	NOUN
cblr-9983	1278	12	for	for	ADP
cblr-9983	1278	13	supervision	supervision	NOUN
cblr-9983	1278	14	,	,	PUNCT
cblr-9983	1278	15	remarks	remark	NOUN
cblr-9983	1278	16	at	at	ADP
cblr-9983	1278	17	the	the	DET
cblr-9983	1278	18	american	american	PROPN
cblr-9983	1278	19	bar	bar	PROPN
cblr-9983	1278	20	association	association	PROPN
cblr-9983	1278	21	banking	banking	NOUN
cblr-9983	1278	22	law	law	NOUN
cblr-9983	1278	23	committee	committee	NOUN
cblr-9983	1278	24	:	:	PUNCT
cblr-9983	1278	25	spontaneity	spontaneity	NOUN
cblr-9983	1278	26	and	and	CCONJ
cblr-9983	1278	27	order	order	NOUN
cblr-9983	1278	28	:	:	PUNCT
cblr-9983	1278	29	transparency	transparency	NOUN
cblr-9983	1278	30	,	,	PUNCT
cblr-9983	1278	31	accountability	accountability	NOUN
cblr-9983	1278	32	,	,	PUNCT
cblr-9983	1278	33	and	and	CCONJ
cblr-9983	1278	34	fairness	fairness	NOUN
cblr-9983	1278	35	in	in	ADP
cblr-9983	1278	36	bank	bank	NOUN
cblr-9983	1278	37	supervision	supervision	NOUN
cblr-9983	1278	38	(	(	PUNCT
cblr-9983	1278	39	jan	jan	PROPN
cblr-9983	1278	40	.	.	PROPN
cblr-9983	1278	41	17	17	NUM
cblr-9983	1278	42	,	,	PUNCT
cblr-9983	1278	43	2020	2020	NUM
cblr-9983	1278	44	)	)	PUNCT
cblr-9983	1278	45	,	,	PUNCT
cblr-9983	1278	46	no	no	INTJ
cblr-9983	1278	47	.	.	PUNCT
cblr-9983	1279	1	1:279	1:279	NOUN
cblr-9983	1279	2	]	]	X
cblr-9983	1279	3	bank	bank	NOUN
cblr-9983	1279	4	supervision	supervision	NOUN
cblr-9983	1279	5	and	and	CCONJ
cblr-9983	1279	6	administrative	administrative	ADJ
cblr-9983	1279	7	law	law	NOUN
cblr-9983	1279	8	349	349	NUM
cblr-9983	1279	9	same	same	ADJ
cblr-9983	1279	10	banking	banking	NOUN
cblr-9983	1279	11	interests	interest	NOUN
cblr-9983	1279	12	,	,	PUNCT
cblr-9983	1279	13	the	the	DET
cblr-9983	1279	14	banking	banking	NOUN
cblr-9983	1279	15	agencies	agency	NOUN
cblr-9983	1279	16	together	together	ADV
cblr-9983	1279	17	proposed	propose	VERB
cblr-9983	1279	18	a	a	DET
cblr-9983	1279	19	rule	rule	NOUN
cblr-9983	1279	20	to	to	PART
cblr-9983	1279	21	make	make	VERB
cblr-9983	1279	22	a	a	DET
cblr-9983	1279	23	modified	modify	VERB
cblr-9983	1279	24	version	version	NOUN
cblr-9983	1279	25	of	of	ADP
cblr-9983	1279	26	2018	2018	NUM
cblr-9983	1279	27	statement	statement	NOUN
cblr-9983	1279	28	internally	internally	ADV
cblr-9983	1279	29	binding.215	binding.215	VERB
cblr-9983	1279	30	early	early	ADV
cblr-9983	1279	31	in	in	ADP
cblr-9983	1279	32	2021	2021	NUM
cblr-9983	1279	33	the	the	DET
cblr-9983	1279	34	three	three	NUM
cblr-9983	1279	35	agencies	agency	NOUN
cblr-9983	1279	36	separately	separately	ADV
cblr-9983	1279	37	adopted	adopt	VERB
cblr-9983	1279	38	final	final	ADJ
cblr-9983	1279	39	versions	version	NOUN
cblr-9983	1279	40	of	of	ADP
cblr-9983	1279	41	essentially	essentially	ADV
cblr-9983	1279	42	the	the	DET
cblr-9983	1279	43	same	same	ADJ
cblr-9983	1279	44	rule.216	rule.216	VERB
cblr-9983	1279	45	although	although	SCONJ
cblr-9983	1279	46	this	this	DET
cblr-9983	1279	47	section	section	NOUN
cblr-9983	1279	48	uses	use	VERB
cblr-9983	1279	49	this	this	DET
cblr-9983	1279	50	rule	rule	NOUN
cblr-9983	1279	51	as	as	ADP
cblr-9983	1279	52	a	a	DET
cblr-9983	1279	53	starting	starting	NOUN
cblr-9983	1279	54	point	point	NOUN
cblr-9983	1279	55	for	for	ADP
cblr-9983	1279	56	my	my	PRON
cblr-9983	1279	57	discussion	discussion	NOUN
cblr-9983	1279	58	,	,	PUNCT
cblr-9983	1279	59	it	it	PRON
cblr-9983	1279	60	is	be	AUX
cblr-9983	1279	61	concerned	concern	VERB
cblr-9983	1279	62	less	less	ADV
cblr-9983	1279	63	with	with	ADP
cblr-9983	1279	64	the	the	DET
cblr-9983	1279	65	policy	policy	NOUN
cblr-9983	1279	66	choices	choice	NOUN
cblr-9983	1279	67	of	of	ADP
cblr-9983	1279	68	a	a	DET
cblr-9983	1279	69	specific	specific	ADJ
cblr-9983	1279	70	set	set	NOUN
cblr-9983	1279	71	of	of	ADP
cblr-9983	1279	72	banking	banking	NOUN
cblr-9983	1279	73	agency	agency	NOUN
cblr-9983	1279	74	leaders	leader	NOUN
cblr-9983	1279	75	than	than	ADP
cblr-9983	1279	76	with	with	ADP
cblr-9983	1279	77	the	the	DET
cblr-9983	1279	78	status	status	NOUN
cblr-9983	1279	79	of	of	ADP
cblr-9983	1279	80	supervisory	supervisory	ADJ
cblr-9983	1279	81	guidance	guidance	NOUN
cblr-9983	1279	82	in	in	ADP
cblr-9983	1279	83	administrative	administrative	ADJ
cblr-9983	1279	84	law	law	NOUN
cblr-9983	1279	85	.	.	PUNCT
cblr-9983	1280	1	1	1	X
cblr-9983	1280	2	.	.	X
cblr-9983	1280	3	supervisory	supervisory	ADJ
cblr-9983	1280	4	guidance	guidance	NOUN
cblr-9983	1280	5	and	and	CCONJ
cblr-9983	1280	6	mras	mras	ADJ
cblr-9983	1280	7	.	.	PUNCT
cblr-9983	1281	1	the	the	DET
cblr-9983	1281	2	view	view	NOUN
cblr-9983	1281	3	of	of	ADP
cblr-9983	1281	4	supervisory	supervisory	ADJ
cblr-9983	1281	5	guidance	guidance	NOUN
cblr-9983	1281	6	held	hold	VERB
cblr-9983	1281	7	by	by	ADP
cblr-9983	1281	8	the	the	DET
cblr-9983	1281	9	banking	banking	NOUN
cblr-9983	1281	10	agencies	agency	NOUN
cblr-9983	1281	11	under	under	ADP
cblr-9983	1281	12	the	the	DET
cblr-9983	1281	13	leadership	leadership	NOUN
cblr-9983	1281	14	of	of	ADP
cblr-9983	1281	15	president	president	PROPN
cblr-9983	1281	16	trump	trump	VERB
cblr-9983	1281	17	’s	’s	PART
cblr-9983	1281	18	appointees	appointee	NOUN
cblr-9983	1281	19	is	be	AUX
cblr-9983	1281	20	summarized	summarize	VERB
cblr-9983	1281	21	in	in	ADP
cblr-9983	1281	22	the	the	DET
cblr-9983	1281	23	interagency	interagency	NOUN
cblr-9983	1281	24	“	"	PUNCT
cblr-9983	1281	25	guidance	guidance	NOUN
cblr-9983	1281	26	on	on	ADP
cblr-9983	1281	27	guidance	guidance	NOUN
cblr-9983	1281	28	”	"	PUNCT
cblr-9983	1281	29	:	:	PUNCT
cblr-9983	1281	30	the	the	DET
cblr-9983	1281	31	board	board	NOUN
cblr-9983	1281	32	issues	issue	VERB
cblr-9983	1281	33	various	various	ADJ
cblr-9983	1281	34	types	type	NOUN
cblr-9983	1281	35	of	of	ADP
cblr-9983	1281	36	supervisory	supervisory	ADJ
cblr-9983	1281	37	guidance	guidance	NOUN
cblr-9983	1281	38	,	,	PUNCT
cblr-9983	1281	39	including	include	VERB
cblr-9983	1281	40	interagency	interagency	NOUN
cblr-9983	1281	41	statements	statement	NOUN
cblr-9983	1281	42	,	,	PUNCT
cblr-9983	1281	43	advisories	advisory	NOUN
cblr-9983	1281	44	,	,	PUNCT
cblr-9983	1281	45	bulletins	bulletin	NOUN
cblr-9983	1281	46	,	,	PUNCT
cblr-9983	1281	47	policy	policy	NOUN
cblr-9983	1281	48	statements	statement	NOUN
cblr-9983	1281	49	,	,	PUNCT
cblr-9983	1281	50	questions	question	NOUN
cblr-9983	1281	51	and	and	CCONJ
cblr-9983	1281	52	answers	answer	NOUN
cblr-9983	1281	53	,	,	PUNCT
cblr-9983	1281	54	and	and	CCONJ
cblr-9983	1281	55	frequently	frequently	ADV
cblr-9983	1281	56	asked	ask	VERB
cblr-9983	1281	57	questions	question	NOUN
cblr-9983	1281	58	,	,	PUNCT
cblr-9983	1281	59	to	to	ADP
cblr-9983	1281	60	their	their	PRON
cblr-9983	1281	61	respective	respective	ADJ
cblr-9983	1281	62	supervised	supervised	ADJ
cblr-9983	1281	63	institutions	institution	NOUN
cblr-9983	1281	64	.	.	PUNCT
cblr-9983	1282	1	a	a	DET
cblr-9983	1282	2	law	law	NOUN
cblr-9983	1282	3	or	or	CCONJ
cblr-9983	1282	4	regulation	regulation	NOUN
cblr-9983	1282	5	has	have	VERB
cblr-9983	1282	6	the	the	DET
cblr-9983	1282	7	force	force	NOUN
cblr-9983	1282	8	and	and	CCONJ
cblr-9983	1282	9	effect	effect	NOUN
cblr-9983	1282	10	of	of	ADP
cblr-9983	1282	11	law	law	NOUN
cblr-9983	1282	12	.	.	PUNCT
cblr-9983	1283	1	unlike	unlike	ADP
cblr-9983	1283	2	a	a	DET
cblr-9983	1283	3	law	law	NOUN
cblr-9983	1283	4	or	or	CCONJ
cblr-9983	1283	5	regulation	regulation	NOUN
cblr-9983	1283	6	,	,	PUNCT
cblr-9983	1283	7	supervisory	supervisory	ADJ
cblr-9983	1283	8	guidance	guidance	NOUN
cblr-9983	1283	9	does	do	AUX
cblr-9983	1283	10	not	not	PART
cblr-9983	1283	11	have	have	VERB
cblr-9983	1283	12	the	the	DET
cblr-9983	1283	13	force	force	NOUN
cblr-9983	1283	14	and	and	CCONJ
cblr-9983	1283	15	effect	effect	NOUN
cblr-9983	1283	16	of	of	ADP
cblr-9983	1283	17	law	law	NOUN
cblr-9983	1283	18	,	,	PUNCT
cblr-9983	1283	19	and	and	CCONJ
cblr-9983	1283	20	the	the	DET
cblr-9983	1283	21	agencies	agency	NOUN
cblr-9983	1283	22	do	do	AUX
cblr-9983	1283	23	not	not	PART
cblr-9983	1283	24	take	take	VERB
cblr-9983	1283	25	enforcement	enforcement	NOUN
cblr-9983	1283	26	actions	action	NOUN
cblr-9983	1283	27	based	base	VERB
cblr-9983	1283	28	on	on	ADP
cblr-9983	1283	29	supervisory	supervisory	ADJ
cblr-9983	1283	30	guidance	guidance	NOUN
cblr-9983	1283	31	.	.	PUNCT
cblr-9983	1284	1	rather	rather	ADV
cblr-9983	1284	2	,	,	PUNCT
cblr-9983	1284	3	supervisory	supervisory	ADJ
cblr-9983	1284	4	guidance	guidance	NOUN
cblr-9983	1284	5	outlines	outline	VERB
cblr-9983	1284	6	the	the	DET
cblr-9983	1284	7	board	board	NOUN
cblr-9983	1284	8	’s	’s	PART
cblr-9983	1284	9	supervisory	supervisory	ADJ
cblr-9983	1284	10	expectations	expectation	NOUN
cblr-9983	1284	11	or	or	CCONJ
cblr-9983	1284	12	priorities	priority	NOUN
cblr-9983	1284	13	and	and	CCONJ
cblr-9983	1284	14	articulates	articulate	VERB
cblr-9983	1284	15	the	the	DET
cblr-9983	1284	16	board	board	NOUN
cblr-9983	1284	17	’s	’s	PART
cblr-9983	1284	18	general	general	ADJ
cblr-9983	1284	19	views	view	NOUN
cblr-9983	1284	20	regarding	regard	VERB
cblr-9983	1284	21	appropriate	appropriate	ADJ
cblr-9983	1284	22	practices	practice	NOUN
cblr-9983	1284	23	for	for	ADP
cblr-9983	1284	24	a	a	DET
cblr-9983	1284	25	given	give	VERB
cblr-9983	1284	26	subject	subject	ADJ
cblr-9983	1284	27	area	area	NOUN
cblr-9983	1284	28	.	.	PUNCT
cblr-9983	1285	1	supervisory	supervisory	ADJ
cblr-9983	1285	2	guidance	guidance	NOUN
cblr-9983	1285	3	often	often	ADV
cblr-9983	1285	4	provides	provide	VERB
cblr-9983	1285	5	examples	example	NOUN
cblr-9983	1285	6	of	of	ADP
cblr-9983	1285	7	practices	practice	NOUN
cblr-9983	1285	8	that	that	PRON
cblr-9983	1285	9	the	the	DET
cblr-9983	1285	10	agencies	agency	NOUN
cblr-9983	1285	11	generally	generally	ADV
cblr-9983	1285	12	consider	consider	VERB
cblr-9983	1285	13	consistent	consistent	ADJ
cblr-9983	1285	14	with	with	ADP
cblr-9983	1285	15	safetyand	safetyand	NOUN
cblr-9983	1285	16	-	-	PUNCT
cblr-9983	1285	17	soundness	soundness	NOUN
cblr-9983	1285	18	standards	standard	NOUN
cblr-9983	1285	19	or	or	CCONJ
cblr-9983	1285	20	other	other	ADJ
cblr-9983	1285	21	applicable	applicable	ADJ
cblr-9983	1285	22	laws	law	NOUN
cblr-9983	1285	23	and	and	CCONJ
cblr-9983	1285	24	https://www.federalreserve.gov/newsevents/speech/quarles20200117a.htm	https://www.federalreserve.gov/newsevents/speech/quarles20200117a.htm	PROPN
cblr-9983	1286	1	[	[	X
cblr-9983	1286	2	https://perma.cc/zr5p-mpx7	https://perma.cc/zr5p-mpx7	PROPN
cblr-9983	1286	3	]	]	X
cblr-9983	1286	4	.	.	PUNCT
cblr-9983	1287	1	215	215	NUM
cblr-9983	1287	2	role	role	NOUN
cblr-9983	1287	3	of	of	ADP
cblr-9983	1287	4	supervisory	supervisory	ADJ
cblr-9983	1287	5	guidance	guidance	NOUN
cblr-9983	1287	6	,	,	PUNCT
cblr-9983	1287	7	85	85	NUM
cblr-9983	1287	8	fed	feed	VERB
cblr-9983	1287	9	.	.	PUNCT
cblr-9983	1288	1	reg	reg	PROPN
cblr-9983	1288	2	.	.	PUNCT
cblr-9983	1288	3	70,512	70,512	NUM
cblr-9983	1288	4	,	,	PUNCT
cblr-9983	1288	5	70,515	70,515	NUM
cblr-9983	1288	6	(	(	PUNCT
cblr-9983	1288	7	proposed	propose	VERB
cblr-9983	1288	8	nov	nov	PROPN
cblr-9983	1288	9	.	.	PROPN
cblr-9983	1288	10	5	5	NUM
cblr-9983	1288	11	,	,	PUNCT
cblr-9983	1288	12	2020	2020	NUM
cblr-9983	1288	13	)	)	PUNCT
cblr-9983	1288	14	(	(	PUNCT
cblr-9983	1288	15	to	to	PART
cblr-9983	1288	16	be	be	AUX
cblr-9983	1288	17	codified	codify	VERB
cblr-9983	1288	18	at	at	ADP
cblr-9983	1288	19	12	12	NUM
cblr-9983	1288	20	c.f.r	c.f.r	NOUN
cblr-9983	1288	21	.	.	PUNCT
cblr-9983	1289	1	pts	pts	ADP
cblr-9983	1289	2	4	4	NUM
cblr-9983	1289	3	,	,	PUNCT
cblr-9983	1289	4	262	262	NUM
cblr-9983	1289	5	,	,	PUNCT
cblr-9983	1289	6	302	302	NUM
cblr-9983	1289	7	,	,	PUNCT
cblr-9983	1289	8	791	791	NUM
cblr-9983	1289	9	,	,	PUNCT
cblr-9983	1289	10	1074	1074	NUM
cblr-9983	1289	11	)	)	PUNCT
cblr-9983	1289	12	.	.	PUNCT
cblr-9983	1290	1	216	216	NUM
cblr-9983	1290	2	role	role	NOUN
cblr-9983	1290	3	of	of	ADP
cblr-9983	1290	4	supervisory	supervisory	ADJ
cblr-9983	1290	5	guidance	guidance	NOUN
cblr-9983	1290	6	,	,	PUNCT
cblr-9983	1290	7	86	86	NUM
cblr-9983	1290	8	fed	fed	PROPN
cblr-9983	1290	9	.	.	PUNCT
cblr-9983	1291	1	reg	reg	PROPN
cblr-9983	1291	2	.	.	PROPN
cblr-9983	1291	3	9260	9260	NUM
cblr-9983	1291	4	(	(	PUNCT
cblr-9983	1291	5	feb	feb	PROPN
cblr-9983	1291	6	.	.	PROPN
cblr-9983	1291	7	12	12	NUM
cblr-9983	1291	8	,	,	PUNCT
cblr-9983	1291	9	2021	2021	NUM
cblr-9983	1291	10	)	)	PUNCT
cblr-9983	1292	1	(	(	PUNCT
cblr-9983	1292	2	to	to	PART
cblr-9983	1292	3	be	be	AUX
cblr-9983	1292	4	codified	codify	VERB
cblr-9983	1292	5	at	at	ADP
cblr-9983	1292	6	12	12	NUM
cblr-9983	1292	7	c.f.r	c.f.r	NOUN
cblr-9983	1292	8	.	.	PUNCT
cblr-9983	1293	1	pt	pt	PROPN
cblr-9983	1293	2	.	.	PROPN
cblr-9983	1293	3	4	4	NUM
cblr-9983	1293	4	)	)	PUNCT
cblr-9983	1293	5	(	(	PUNCT
cblr-9983	1293	6	occ	occ	X
cblr-9983	1293	7	final	final	ADJ
cblr-9983	1293	8	rule	rule	NOUN
cblr-9983	1293	9	)	)	PUNCT
cblr-9983	1293	10	;	;	PUNCT
cblr-9983	1293	11	role	role	NOUN
cblr-9983	1293	12	of	of	ADP
cblr-9983	1293	13	supervisory	supervisory	ADJ
cblr-9983	1293	14	guidance	guidance	NOUN
cblr-9983	1293	15	,	,	PUNCT
cblr-9983	1293	16	86	86	NUM
cblr-9983	1293	17	fed	fed	PROPN
cblr-9983	1293	18	.	.	PUNCT
cblr-9983	1294	1	reg	reg	PROPN
cblr-9983	1294	2	.	.	PUNCT
cblr-9983	1295	1	120,79	120,79	NUM
cblr-9983	1295	2	(	(	PUNCT
cblr-9983	1295	3	mar	mar	PROPN
cblr-9983	1295	4	.	.	PROPN
cblr-9983	1295	5	2	2	NUM
cblr-9983	1295	6	,	,	PUNCT
cblr-9983	1295	7	2021	2021	NUM
cblr-9983	1295	8	(	(	PUNCT
cblr-9983	1295	9	to	to	PART
cblr-9983	1295	10	be	be	AUX
cblr-9983	1295	11	codified	codify	VERB
cblr-9983	1295	12	at	at	ADP
cblr-9983	1295	13	12	12	NUM
cblr-9983	1295	14	c.f.r	c.f.r	NOUN
cblr-9983	1295	15	.	.	PUNCT
cblr-9983	1296	1	pt	pt	PROPN
cblr-9983	1296	2	.	.	PROPN
cblr-9983	1296	3	302	302	NUM
cblr-9983	1296	4	)	)	PUNCT
cblr-9983	1296	5	(	(	PUNCT
cblr-9983	1296	6	fdic	fdic	ADJ
cblr-9983	1296	7	final	final	ADJ
cblr-9983	1296	8	rule	rule	NOUN
cblr-9983	1296	9	)	)	PUNCT
cblr-9983	1296	10	;	;	PUNCT
cblr-9983	1296	11	role	role	NOUN
cblr-9983	1296	12	of	of	ADP
cblr-9983	1296	13	supervisory	supervisory	ADJ
cblr-9983	1296	14	guidance	guidance	NOUN
cblr-9983	1296	15	,	,	PUNCT
cblr-9983	1296	16	86	86	NUM
cblr-9983	1296	17	fed	fed	PROPN
cblr-9983	1296	18	.	.	PUNCT
cblr-9983	1297	1	reg	reg	PROPN
cblr-9983	1297	2	.	.	PUNCT
cblr-9983	1298	1	18,173	18,173	NUM
cblr-9983	1298	2	(	(	PUNCT
cblr-9983	1298	3	apr	apr	NOUN
cblr-9983	1298	4	.	.	PROPN
cblr-9983	1298	5	8	8	NUM
cblr-9983	1298	6	2021	2021	NUM
cblr-9983	1298	7	)	)	PUNCT
cblr-9983	1298	8	(	(	PUNCT
cblr-9983	1298	9	to	to	PART
cblr-9983	1298	10	be	be	AUX
cblr-9983	1298	11	codified	codify	VERB
cblr-9983	1298	12	at	at	ADP
cblr-9983	1298	13	12	12	NUM
cblr-9983	1298	14	c.f.r	c.f.r	NOUN
cblr-9983	1298	15	.	.	PUNCT
cblr-9983	1299	1	pt	pt	PROPN
cblr-9983	1299	2	.	.	PROPN
cblr-9983	1299	3	262	262	NUM
cblr-9983	1299	4	)	)	PUNCT
cblr-9983	1299	5	(	(	PUNCT
cblr-9983	1299	6	board	board	NOUN
cblr-9983	1299	7	of	of	ADP
cblr-9983	1299	8	governors	governor	NOUN
cblr-9983	1299	9	final	final	ADJ
cblr-9983	1299	10	rule	rule	NOUN
cblr-9983	1299	11	)	)	PUNCT
cblr-9983	1299	12	.	.	PUNCT
cblr-9983	1300	1	350	350	NUM
cblr-9983	1300	2	columbia	columbia	PROPN
cblr-9983	1300	3	business	business	NOUN
cblr-9983	1300	4	law	law	PROPN
cblr-9983	1300	5	review	review	NOUN
cblr-9983	1300	6	[	[	X
cblr-9983	1300	7	vol	vol	NOUN
cblr-9983	1300	8	.	.	PUNCT
cblr-9983	1300	9	2022	2022	NUM
cblr-9983	1300	10	regulations	regulation	NOUN
cblr-9983	1300	11	,	,	PUNCT
cblr-9983	1300	12	including	include	VERB
cblr-9983	1300	13	those	those	PRON
cblr-9983	1300	14	designed	design	VERB
cblr-9983	1300	15	to	to	PART
cblr-9983	1300	16	protect	protect	VERB
cblr-9983	1300	17	consumers	consumer	NOUN
cblr-9983	1300	18	.	.	PUNCT
cblr-9983	1301	1	supervised	supervise	VERB
cblr-9983	1301	2	institutions	institution	NOUN
cblr-9983	1301	3	at	at	ADP
cblr-9983	1301	4	times	time	NOUN
cblr-9983	1301	5	request	request	VERB
cblr-9983	1301	6	supervisory	supervisory	ADJ
cblr-9983	1301	7	guidance	guidance	NOUN
cblr-9983	1301	8	,	,	PUNCT
cblr-9983	1301	9	and	and	CCONJ
cblr-9983	1301	10	such	such	ADJ
cblr-9983	1301	11	guidance	guidance	NOUN
cblr-9983	1301	12	is	be	AUX
cblr-9983	1301	13	important	important	ADJ
cblr-9983	1301	14	to	to	PART
cblr-9983	1301	15	provide	provide	VERB
cblr-9983	1301	16	insight	insight	NOUN
cblr-9983	1301	17	to	to	ADP
cblr-9983	1301	18	industry	industry	NOUN
cblr-9983	1301	19	,	,	PUNCT
cblr-9983	1301	20	as	as	ADV
cblr-9983	1301	21	well	well	ADV
cblr-9983	1301	22	as	as	ADP
cblr-9983	1301	23	supervisory	supervisory	ADJ
cblr-9983	1301	24	staff	staff	NOUN
cblr-9983	1301	25	,	,	PUNCT
cblr-9983	1301	26	in	in	ADP
cblr-9983	1301	27	a	a	DET
cblr-9983	1301	28	transparent	transparent	ADJ
cblr-9983	1301	29	way	way	NOUN
cblr-9983	1301	30	that	that	PRON
cblr-9983	1301	31	helps	help	VERB
cblr-9983	1301	32	to	to	PART
cblr-9983	1301	33	ensure	ensure	VERB
cblr-9983	1301	34	consistency	consistency	NOUN
cblr-9983	1301	35	in	in	ADP
cblr-9983	1301	36	the	the	DET
cblr-9983	1301	37	supervisory	supervisory	ADJ
cblr-9983	1301	38	approach.217	approach.217	NOUN
cblr-9983	1301	39	this	this	DET
cblr-9983	1301	40	statement	statement	NOUN
cblr-9983	1301	41	is	be	AUX
cblr-9983	1301	42	notable	notable	ADJ
cblr-9983	1301	43	for	for	ADP
cblr-9983	1301	44	several	several	ADJ
cblr-9983	1301	45	reasons	reason	NOUN
cblr-9983	1301	46	.	.	PUNCT
cblr-9983	1302	1	first	first	ADV
cblr-9983	1302	2	,	,	PUNCT
cblr-9983	1302	3	it	it	PRON
cblr-9983	1302	4	reiterates	reiterate	VERB
cblr-9983	1302	5	that	that	SCONJ
cblr-9983	1302	6	supervisory	supervisory	ADJ
cblr-9983	1302	7	guidance	guidance	NOUN
cblr-9983	1302	8	is	be	AUX
cblr-9983	1302	9	not	not	PART
cblr-9983	1302	10	legally	legally	ADV
cblr-9983	1302	11	binding	binding	ADJ
cblr-9983	1302	12	,	,	PUNCT
cblr-9983	1302	13	as	as	SCONJ
cblr-9983	1302	14	a	a	DET
cblr-9983	1302	15	regulatory	regulatory	ADJ
cblr-9983	1302	16	rule	rule	NOUN
cblr-9983	1302	17	or	or	CCONJ
cblr-9983	1302	18	agency	agency	NOUN
cblr-9983	1302	19	adjudication	adjudication	NOUN
cblr-9983	1302	20	would	would	AUX
cblr-9983	1302	21	be	be	AUX
cblr-9983	1302	22	.	.	PUNCT
cblr-9983	1303	1	just	just	ADV
cblr-9983	1303	2	about	about	ADP
cblr-9983	1303	3	everyone	everyone	PRON
cblr-9983	1303	4	agrees	agree	VERB
cblr-9983	1303	5	with	with	ADP
cblr-9983	1303	6	that	that	DET
cblr-9983	1303	7	proposition	proposition	NOUN
cblr-9983	1303	8	.	.	PUNCT
cblr-9983	1304	1	second	second	ADJ
cblr-9983	1304	2	,	,	PUNCT
cblr-9983	1304	3	in	in	ADP
cblr-9983	1304	4	saying	say	VERB
cblr-9983	1304	5	that	that	SCONJ
cblr-9983	1304	6	the	the	DET
cblr-9983	1304	7	agencies	agency	NOUN
cblr-9983	1304	8	“	"	PUNCT
cblr-9983	1304	9	do	do	AUX
cblr-9983	1304	10	not	not	PART
cblr-9983	1304	11	take	take	VERB
cblr-9983	1304	12	enforcement	enforcement	NOUN
cblr-9983	1304	13	actions	action	NOUN
cblr-9983	1304	14	based	base	VERB
cblr-9983	1304	15	on	on	ADP
cblr-9983	1304	16	supervisory	supervisory	ADJ
cblr-9983	1304	17	guidance	guidance	NOUN
cblr-9983	1304	18	,	,	PUNCT
cblr-9983	1304	19	”	"	PUNCT
cblr-9983	1304	20	the	the	DET
cblr-9983	1304	21	concept	concept	NOUN
cblr-9983	1304	22	of	of	ADP
cblr-9983	1304	23	guidance	guidance	NOUN
cblr-9983	1304	24	implicit	implicit	ADJ
cblr-9983	1304	25	in	in	ADP
cblr-9983	1304	26	the	the	DET
cblr-9983	1304	27	statement	statement	NOUN
cblr-9983	1304	28	departs	depart	VERB
cblr-9983	1304	29	somewhat	somewhat	ADV
cblr-9983	1304	30	from	from	ADP
cblr-9983	1304	31	the	the	DET
cblr-9983	1304	32	idea	idea	NOUN
cblr-9983	1304	33	of	of	ADP
cblr-9983	1304	34	guidance	guidance	NOUN
cblr-9983	1304	35	often	often	ADV
cblr-9983	1304	36	articulated	articulate	VERB
cblr-9983	1304	37	by	by	ADP
cblr-9983	1304	38	courts	court	NOUN
cblr-9983	1304	39	and	and	CCONJ
cblr-9983	1304	40	other	other	ADJ
cblr-9983	1304	41	agencies	agency	NOUN
cblr-9983	1304	42	.	.	PUNCT
cblr-9983	1305	1	as	as	ADP
cblr-9983	1305	2	“	"	PUNCT
cblr-9983	1305	3	general	general	ADJ
cblr-9983	1305	4	statements	statement	NOUN
cblr-9983	1305	5	of	of	ADP
cblr-9983	1305	6	policy	policy	NOUN
cblr-9983	1305	7	,	,	PUNCT
cblr-9983	1305	8	”	"	PUNCT
cblr-9983	1305	9	guidance	guidance	NOUN
cblr-9983	1305	10	is	be	AUX
cblr-9983	1305	11	frequently	frequently	ADV
cblr-9983	1305	12	characterized	characterize	VERB
cblr-9983	1305	13	in	in	ADP
cblr-9983	1305	14	those	those	DET
cblr-9983	1305	15	other	other	ADJ
cblr-9983	1305	16	contexts	context	NOUN
cblr-9983	1305	17	as	as	ADP
cblr-9983	1305	18	expressing	express	VERB
cblr-9983	1305	19	an	an	DET
cblr-9983	1305	20	agency	agency	NOUN
cblr-9983	1305	21	’s	’s	PART
cblr-9983	1305	22	enforcement	enforcement	NOUN
cblr-9983	1305	23	priorities	priority	NOUN
cblr-9983	1305	24	or	or	CCONJ
cblr-9983	1305	25	intentions	intention	NOUN
cblr-9983	1305	26	.	.	PUNCT
cblr-9983	1306	1	the	the	DET
cblr-9983	1306	2	legal	legal	ADJ
cblr-9983	1306	3	issue	issue	NOUN
cblr-9983	1306	4	often	often	ADV
cblr-9983	1306	5	,	,	PUNCT
cblr-9983	1306	6	and	and	CCONJ
cblr-9983	1306	7	often	often	ADV
cblr-9983	1306	8	confusingly	confusingly	ADV
cblr-9983	1306	9	,	,	PUNCT
cblr-9983	1306	10	then	then	ADV
cblr-9983	1306	11	turns	turn	VERB
cblr-9983	1306	12	on	on	ADP
cblr-9983	1306	13	whether	whether	SCONJ
cblr-9983	1306	14	the	the	DET
cblr-9983	1306	15	guidance	guidance	NOUN
cblr-9983	1306	16	has	have	AUX
cblr-9983	1306	17	left	leave	VERB
cblr-9983	1306	18	any	any	DET
cblr-9983	1306	19	room	room	NOUN
cblr-9983	1306	20	for	for	ADP
cblr-9983	1306	21	enforcement	enforcement	NOUN
cblr-9983	1306	22	discretion	discretion	NOUN
cblr-9983	1306	23	.	.	PUNCT
cblr-9983	1307	1	here	here	ADV
cblr-9983	1307	2	,	,	PUNCT
cblr-9983	1307	3	though	though	ADV
cblr-9983	1307	4	,	,	PUNCT
cblr-9983	1307	5	the	the	DET
cblr-9983	1307	6	banking	banking	NOUN
cblr-9983	1307	7	agencies	agency	NOUN
cblr-9983	1307	8	have	have	AUX
cblr-9983	1307	9	created	create	VERB
cblr-9983	1307	10	their	their	PRON
cblr-9983	1307	11	own	own	ADJ
cblr-9983	1307	12	ambiguity	ambiguity	NOUN
cblr-9983	1307	13	.	.	PUNCT
cblr-9983	1308	1	while	while	SCONJ
cblr-9983	1308	2	they	they	PRON
cblr-9983	1308	3	echo	echo	VERB
cblr-9983	1308	4	the	the	DET
cblr-9983	1308	5	position	position	NOUN
cblr-9983	1308	6	of	of	ADP
cblr-9983	1308	7	some	some	DET
cblr-9983	1308	8	banking	banking	NOUN
cblr-9983	1308	9	interests	interest	NOUN
cblr-9983	1308	10	that	that	PRON
cblr-9983	1308	11	attempt	attempt	VERB
cblr-9983	1308	12	to	to	PART
cblr-9983	1308	13	detach	detach	VERB
cblr-9983	1308	14	guidance	guidance	NOUN
cblr-9983	1308	15	from	from	ADP
cblr-9983	1308	16	enforcement	enforcement	NOUN
cblr-9983	1308	17	altogether,218	altogether,218	NOUN
cblr-9983	1309	1	it	it	PRON
cblr-9983	1309	2	is	be	AUX
cblr-9983	1309	3	not	not	PART
cblr-9983	1309	4	clear	clear	ADJ
cblr-9983	1309	5	how	how	SCONJ
cblr-9983	1309	6	fully	fully	ADV
cblr-9983	1309	7	they	they	PRON
cblr-9983	1309	8	are	be	AUX
cblr-9983	1309	9	embracing	embrace	VERB
cblr-9983	1309	10	that	that	DET
cblr-9983	1309	11	position	position	NOUN
cblr-9983	1309	12	.	.	PUNCT
cblr-9983	1310	1	the	the	DET
cblr-9983	1310	2	ambiguity	ambiguity	NOUN
cblr-9983	1310	3	is	be	AUX
cblr-9983	1310	4	underscored	underscore	VERB
cblr-9983	1310	5	by	by	ADP
cblr-9983	1310	6	a	a	DET
cblr-9983	1310	7	third	third	ADJ
cblr-9983	1310	8	point	point	NOUN
cblr-9983	1310	9	about	about	ADP
cblr-9983	1310	10	the	the	DET
cblr-9983	1310	11	rule	rule	NOUN
cblr-9983	1310	12	,	,	PUNCT
cblr-9983	1310	13	which	which	PRON
cblr-9983	1310	14	is	be	AUX
cblr-9983	1310	15	really	really	ADV
cblr-9983	1310	16	a	a	DET
cblr-9983	1310	17	question	question	NOUN
cblr-9983	1310	18	:	:	PUNCT
cblr-9983	1310	19	if	if	SCONJ
cblr-9983	1310	20	supervisory	supervisory	ADJ
cblr-9983	1310	21	guidance	guidance	NOUN
cblr-9983	1310	22	is	be	AUX
cblr-9983	1310	23	not	not	PART
cblr-9983	1310	24	a	a	DET
cblr-9983	1310	25	basis	basis	NOUN
cblr-9983	1310	26	for	for	ADP
cblr-9983	1310	27	enforcement	enforcement	NOUN
cblr-9983	1310	28	,	,	PUNCT
cblr-9983	1310	29	what	what	PRON
cblr-9983	1310	30	is	be	AUX
cblr-9983	1310	31	the	the	DET
cblr-9983	1310	32	supposed	suppose	VERB
cblr-9983	1310	33	significance	significance	NOUN
cblr-9983	1310	34	of	of	ADP
cblr-9983	1310	35	the	the	DET
cblr-9983	1310	36	supervisory	supervisory	ADJ
cblr-9983	1310	37	“	"	PUNCT
cblr-9983	1310	38	expectations	expectation	NOUN
cblr-9983	1310	39	”	"	PUNCT
cblr-9983	1310	40	and	and	CCONJ
cblr-9983	1310	41	“	"	PUNCT
cblr-9983	1310	42	approach	approach	NOUN
cblr-9983	1310	43	”	"	PUNCT
cblr-9983	1310	44	referred	refer	VERB
cblr-9983	1310	45	to	to	ADP
cblr-9983	1310	46	in	in	ADP
cblr-9983	1310	47	the	the	DET
cblr-9983	1310	48	statement	statement	NOUN
cblr-9983	1310	49	?	?	PUNCT
cblr-9983	1311	1	as	as	SCONJ
cblr-9983	1311	2	this	this	DET
cblr-9983	1311	3	section	section	NOUN
cblr-9983	1311	4	will	will	AUX
cblr-9983	1311	5	show	show	VERB
cblr-9983	1311	6	,	,	PUNCT
cblr-9983	1311	7	answering	answer	VERB
cblr-9983	1311	8	that	that	DET
cblr-9983	1311	9	question	question	NOUN
cblr-9983	1311	10	helps	help	VERB
cblr-9983	1311	11	explain	explain	VERB
cblr-9983	1311	12	why	why	SCONJ
cblr-9983	1311	13	current	current	ADJ
cblr-9983	1311	14	administrative	administrative	ADJ
cblr-9983	1311	15	law	law	NOUN
cblr-9983	1311	16	doctrine	doctrine	NOUN
cblr-9983	1311	17	on	on	ADP
cblr-9983	1311	18	guidance	guidance	NOUN
cblr-9983	1311	19	seems	seem	VERB
cblr-9983	1311	20	so	so	ADV
cblr-9983	1311	21	inapposite	inapposite	ADJ
cblr-9983	1311	22	to	to	ADP
cblr-9983	1311	23	the	the	DET
cblr-9983	1311	24	supervisory	supervisory	ADJ
cblr-9983	1311	25	function	function	NOUN
cblr-9983	1311	26	.	.	PUNCT
cblr-9983	1312	1	before	before	SCONJ
cblr-9983	1312	2	turning	turn	VERB
cblr-9983	1312	3	to	to	ADP
cblr-9983	1312	4	that	that	DET
cblr-9983	1312	5	question	question	NOUN
cblr-9983	1312	6	,	,	PUNCT
cblr-9983	1312	7	a	a	DET
cblr-9983	1312	8	bit	bit	NOUN
cblr-9983	1312	9	more	more	ADV
cblr-9983	1312	10	factual	factual	ADJ
cblr-9983	1312	11	background	background	NOUN
cblr-9983	1312	12	on	on	ADP
cblr-9983	1312	13	guidance	guidance	NOUN
cblr-9983	1312	14	and	and	CCONJ
cblr-9983	1312	15	mras	mras	ADJ
cblr-9983	1312	16	is	be	AUX
cblr-9983	1312	17	needed	need	VERB
cblr-9983	1312	18	.	.	PUNCT
cblr-9983	1313	1	217	217	NUM
cblr-9983	1313	2	12	12	NUM
cblr-9983	1313	3	c.f.r	c.f.r	NOUN
cblr-9983	1313	4	.	.	PUNCT
cblr-9983	1314	1	pt	pt	PROPN
cblr-9983	1314	2	.	.	PROPN
cblr-9983	1314	3	262	262	NUM
cblr-9983	1314	4	,	,	PUNCT
cblr-9983	1314	5	app	app	PROPN
cblr-9983	1314	6	.	.	PUNCT
cblr-9983	1315	1	a	a	DET
cblr-9983	1315	2	(	(	PUNCT
cblr-9983	1315	3	footnote	footnote	NOUN
cblr-9983	1315	4	omitted	omit	VERB
cblr-9983	1315	5	)	)	PUNCT
cblr-9983	1315	6	.	.	PUNCT
cblr-9983	1316	1	this	this	DET
cblr-9983	1316	2	language	language	NOUN
cblr-9983	1316	3	,	,	PUNCT
cblr-9983	1316	4	which	which	PRON
cblr-9983	1316	5	also	also	ADV
cblr-9983	1316	6	appears	appear	VERB
cblr-9983	1316	7	in	in	ADP
cblr-9983	1316	8	the	the	DET
cblr-9983	1316	9	occ	occ	PROPN
cblr-9983	1316	10	and	and	CCONJ
cblr-9983	1316	11	fdic	fdic	PROPN
cblr-9983	1316	12	rules	rule	NOUN
cblr-9983	1316	13	,	,	PUNCT
cblr-9983	1316	14	is	be	AUX
cblr-9983	1316	15	unchanged	unchanged	ADJ
cblr-9983	1316	16	from	from	ADP
cblr-9983	1316	17	the	the	DET
cblr-9983	1316	18	2018	2018	NUM
cblr-9983	1316	19	interagency	interagency	NOUN
cblr-9983	1316	20	statement	statement	NOUN
cblr-9983	1316	21	on	on	ADP
cblr-9983	1316	22	interagency	interagency	NOUN
cblr-9983	1316	23	guidance	guidance	NOUN
cblr-9983	1316	24	.	.	PUNCT
cblr-9983	1317	1	218	218	NUM
cblr-9983	1317	2	see	see	VERB
cblr-9983	1317	3	baer	baer	PROPN
cblr-9983	1317	4	testimony	testimony	NOUN
cblr-9983	1317	5	,	,	PUNCT
cblr-9983	1317	6	supra	supra	PROPN
cblr-9983	1317	7	note	note	NOUN
cblr-9983	1317	8	14	14	NUM
cblr-9983	1317	9	,	,	PUNCT
cblr-9983	1317	10	at	at	ADP
cblr-9983	1317	11	29	29	NUM
cblr-9983	1317	12	(	(	PUNCT
cblr-9983	1317	13	“	"	PUNCT
cblr-9983	1317	14	[	[	X
cblr-9983	1317	15	t]he	t]he	X
cblr-9983	1317	16	law	law	NOUN
cblr-9983	1317	17	[	[	X
cblr-9983	1317	18	is	be	AUX
cblr-9983	1317	19	]	]	PUNCT
cblr-9983	1317	20	becom[ing	becom[e	VERB
cblr-9983	1317	21	]	]	PUNCT
cblr-9983	1317	22	clearer	clear	ADJ
cblr-9983	1317	23	that	that	DET
cblr-9983	1317	24	guidance	guidance	NOUN
cblr-9983	1317	25	is	be	AUX
cblr-9983	1317	26	nonbinding	nonbinde	VERB
cblr-9983	1317	27	and	and	CCONJ
cblr-9983	1317	28	can	can	AUX
cblr-9983	1317	29	not	not	PART
cblr-9983	1317	30	serve	serve	VERB
cblr-9983	1317	31	as	as	ADP
cblr-9983	1317	32	the	the	DET
cblr-9983	1317	33	basis	basis	NOUN
cblr-9983	1317	34	for	for	ADP
cblr-9983	1317	35	an	an	DET
cblr-9983	1317	36	mra	mra	NOUN
cblr-9983	1317	37	.	.	PUNCT
cblr-9983	1317	38	”	"	PUNCT
cblr-9983	1317	39	)	)	PUNCT
cblr-9983	1317	40	.	.	PUNCT
cblr-9983	1318	1	no	no	INTJ
cblr-9983	1318	2	.	.	PUNCT
cblr-9983	1319	1	1:279	1:279	NOUN
cblr-9983	1319	2	]	]	X
cblr-9983	1319	3	bank	bank	NOUN
cblr-9983	1319	4	supervision	supervision	NOUN
cblr-9983	1319	5	and	and	CCONJ
cblr-9983	1319	6	administrative	administrative	ADJ
cblr-9983	1319	7	law	law	NOUN
cblr-9983	1319	8	351	351	NUM
cblr-9983	1319	9	guidance	guidance	NOUN
cblr-9983	1319	10	is	be	AUX
cblr-9983	1319	11	often	often	ADV
cblr-9983	1319	12	put	put	VERB
cblr-9983	1319	13	out	out	ADP
cblr-9983	1319	14	for	for	ADP
cblr-9983	1319	15	notice	notice	NOUN
cblr-9983	1319	16	and	and	CCONJ
cblr-9983	1319	17	comment	comment	NOUN
cblr-9983	1319	18	,	,	PUNCT
cblr-9983	1319	19	especially	especially	ADV
cblr-9983	1319	20	when	when	SCONJ
cblr-9983	1319	21	there	there	PRON
cblr-9983	1319	22	is	be	VERB
cblr-9983	1319	23	no	no	DET
cblr-9983	1319	24	special	special	ADJ
cblr-9983	1319	25	urgency	urgency	NOUN
cblr-9983	1319	26	associated	associate	VERB
cblr-9983	1319	27	with	with	ADP
cblr-9983	1319	28	the	the	DET
cblr-9983	1319	29	subject	subject	NOUN
cblr-9983	1319	30	.	.	PUNCT
cblr-9983	1320	1	it	it	PRON
cblr-9983	1320	2	is	be	AUX
cblr-9983	1320	3	sometimes	sometimes	ADV
cblr-9983	1320	4	issued	issue	VERB
cblr-9983	1320	5	jointly	jointly	ADV
cblr-9983	1320	6	by	by	ADP
cblr-9983	1320	7	two	two	NUM
cblr-9983	1320	8	or	or	CCONJ
cblr-9983	1320	9	more	more	ADJ
cblr-9983	1320	10	banking	banking	NOUN
cblr-9983	1320	11	agencies	agency	NOUN
cblr-9983	1320	12	.	.	PUNCT
cblr-9983	1321	1	even	even	ADV
cblr-9983	1321	2	where	where	SCONJ
cblr-9983	1321	3	the	the	DET
cblr-9983	1321	4	banking	banking	NOUN
cblr-9983	1321	5	agencies	agency	NOUN
cblr-9983	1321	6	agree	agree	VERB
cblr-9983	1321	7	on	on	ADP
cblr-9983	1321	8	identical	identical	ADJ
cblr-9983	1321	9	guidance	guidance	NOUN
cblr-9983	1321	10	,	,	PUNCT
cblr-9983	1321	11	they	they	PRON
cblr-9983	1321	12	issue	issue	VERB
cblr-9983	1321	13	it	it	PRON
cblr-9983	1321	14	in	in	ADP
cblr-9983	1321	15	somewhat	somewhat	ADV
cblr-9983	1321	16	different	different	ADJ
cblr-9983	1321	17	ways.219	ways.219	NOUN
cblr-9983	1321	18	periodically	periodically	ADV
cblr-9983	1321	19	,	,	PUNCT
cblr-9983	1321	20	previously	previously	ADV
cblr-9983	1321	21	issued	issue	VERB
cblr-9983	1321	22	guidance	guidance	NOUN
cblr-9983	1321	23	documents	document	NOUN
cblr-9983	1321	24	will	will	AUX
cblr-9983	1321	25	be	be	AUX
cblr-9983	1321	26	withdrawn	withdraw	VERB
cblr-9983	1321	27	because	because	SCONJ
cblr-9983	1321	28	they	they	PRON
cblr-9983	1321	29	responded	respond	VERB
cblr-9983	1321	30	to	to	ADP
cblr-9983	1321	31	a	a	DET
cblr-9983	1321	32	transitory	transitory	ADJ
cblr-9983	1321	33	circumstance	circumstance	NOUN
cblr-9983	1321	34	,	,	PUNCT
cblr-9983	1321	35	have	have	AUX
cblr-9983	1321	36	become	become	VERB
cblr-9983	1321	37	outdated	outdated	ADJ
cblr-9983	1321	38	,	,	PUNCT
cblr-9983	1321	39	or	or	CCONJ
cblr-9983	1321	40	have	have	AUX
cblr-9983	1321	41	been	be	AUX
cblr-9983	1321	42	superseded	supersede	VERB
cblr-9983	1321	43	by	by	ADP
cblr-9983	1321	44	subsequent	subsequent	ADJ
cblr-9983	1321	45	guidance	guidance	NOUN
cblr-9983	1321	46	or	or	CCONJ
cblr-9983	1321	47	regulations.220	regulations.220	VERB
cblr-9983	1321	48	the	the	DET
cblr-9983	1321	49	amount	amount	NOUN
cblr-9983	1321	50	of	of	ADP
cblr-9983	1321	51	detail	detail	NOUN
cblr-9983	1321	52	varies	vary	VERB
cblr-9983	1321	53	considerably	considerably	ADV
cblr-9983	1321	54	among	among	ADP
cblr-9983	1321	55	guidance	guidance	NOUN
cblr-9983	1321	56	documents	document	NOUN
cblr-9983	1321	57	.	.	PUNCT
cblr-9983	1322	1	guidance	guidance	NOUN
cblr-9983	1322	2	generally	generally	ADV
cblr-9983	1322	3	does	do	AUX
cblr-9983	1322	4	not	not	PART
cblr-9983	1322	5	identify	identify	VERB
cblr-9983	1322	6	a	a	DET
cblr-9983	1322	7	specific	specific	ADJ
cblr-9983	1322	8	practice	practice	NOUN
cblr-9983	1322	9	or	or	CCONJ
cblr-9983	1322	10	safeguard	safeguard	NOUN
cblr-9983	1322	11	as	as	ADV
cblr-9983	1322	12	best	good	ADJ
cblr-9983	1322	13	,	,	PUNCT
cblr-9983	1322	14	much	much	ADV
cblr-9983	1322	15	less	less	ADV
cblr-9983	1322	16	required	require	VERB
cblr-9983	1322	17	.	.	PUNCT
cblr-9983	1323	1	however	however	ADV
cblr-9983	1323	2	,	,	PUNCT
cblr-9983	1323	3	some	some	DET
cblr-9983	1323	4	guidance	guidance	NOUN
cblr-9983	1323	5	contains	contain	VERB
cblr-9983	1323	6	extended	extended	ADJ
cblr-9983	1323	7	lists	list	NOUN
cblr-9983	1323	8	of	of	ADP
cblr-9983	1323	9	considerations	consideration	NOUN
cblr-9983	1323	10	or	or	CCONJ
cblr-9983	1323	11	qualitative	qualitative	ADJ
cblr-9983	1323	12	objectives	objective	NOUN
cblr-9983	1323	13	relevant	relevant	ADJ
cblr-9983	1323	14	to	to	ADP
cblr-9983	1323	15	some	some	DET
cblr-9983	1323	16	aspect	aspect	NOUN
cblr-9983	1323	17	of	of	ADP
cblr-9983	1323	18	bank	bank	NOUN
cblr-9983	1323	19	operations	operation	NOUN
cblr-9983	1323	20	.	.	PUNCT
cblr-9983	1324	1	some	some	DET
cblr-9983	1324	2	guidance	guidance	NOUN
cblr-9983	1324	3	identifies	identify	VERB
cblr-9983	1324	4	elements	element	NOUN
cblr-9983	1324	5	of	of	ADP
cblr-9983	1324	6	risk	risk	NOUN
cblr-9983	1324	7	management	management	NOUN
cblr-9983	1324	8	that	that	PRON
cblr-9983	1324	9	supervisors	supervisor	NOUN
cblr-9983	1324	10	regard	regard	VERB
cblr-9983	1324	11	as	as	ADP
cblr-9983	1324	12	important	important	ADJ
cblr-9983	1324	13	.	.	PUNCT
cblr-9983	1325	1	so	so	ADV
cblr-9983	1325	2	,	,	PUNCT
cblr-9983	1325	3	for	for	ADP
cblr-9983	1325	4	example	example	NOUN
cblr-9983	1325	5	,	,	PUNCT
cblr-9983	1325	6	while	while	SCONJ
cblr-9983	1325	7	the	the	DET
cblr-9983	1325	8	interagency	interagency	NOUN
cblr-9983	1325	9	guidance	guidance	NOUN
cblr-9983	1325	10	on	on	ADP
cblr-9983	1325	11	home	home	NOUN
cblr-9983	1325	12	equity	equity	NOUN
cblr-9983	1325	13	219	219	NUM
cblr-9983	1325	14	the	the	DET
cblr-9983	1325	15	occ	occ	NOUN
cblr-9983	1325	16	addresses	address	NOUN
cblr-9983	1325	17	“	"	PUNCT
cblr-9983	1325	18	occ	occ	X
cblr-9983	1325	19	bulletins	bulletin	NOUN
cblr-9983	1325	20	”	"	PUNCT
cblr-9983	1325	21	to	to	ADP
cblr-9983	1325	22	both	both	DET
cblr-9983	1325	23	banks	bank	NOUN
cblr-9983	1325	24	and	and	CCONJ
cblr-9983	1325	25	examination	examination	NOUN
cblr-9983	1325	26	personnel	personnel	NOUN
cblr-9983	1325	27	.	.	PUNCT
cblr-9983	1326	1	see	see	VERB
cblr-9983	1326	2	,	,	PUNCT
cblr-9983	1326	3	e.g.	e.g.	ADV
cblr-9983	1326	4	,	,	PUNCT
cblr-9983	1326	5	off	off	ADP
cblr-9983	1326	6	.	.	PUNCT
cblr-9983	1327	1	of	of	ADP
cblr-9983	1327	2	the	the	DET
cblr-9983	1327	3	comptroller	comptroller	NOUN
cblr-9983	1327	4	of	of	ADP
cblr-9983	1327	5	the	the	DET
cblr-9983	1327	6	currency	currency	NOUN
cblr-9983	1327	7	,	,	PUNCT
cblr-9983	1327	8	occ	occ	NOUN
cblr-9983	1327	9	2022	2022	NUM
cblr-9983	1327	10	-	-	SYM
cblr-9983	1327	11	1	1	NUM
cblr-9983	1327	12	:	:	PUNCT
cblr-9983	1327	13	civil	civil	ADJ
cblr-9983	1327	14	money	money	NOUN
cblr-9983	1327	15	penalties	penalty	NOUN
cblr-9983	1327	16	:	:	PUNCT
cblr-9983	1327	17	notice	notice	NOUN
cblr-9983	1327	18	adjusting	adjust	VERB
cblr-9983	1327	19	maximum	maximum	ADJ
cblr-9983	1327	20	civil	civil	ADJ
cblr-9983	1327	21	money	money	NOUN
cblr-9983	1327	22	penalties	penalty	NOUN
cblr-9983	1327	23	for	for	ADP
cblr-9983	1327	24	2022	2022	NUM
cblr-9983	1327	25	(	(	PUNCT
cblr-9983	1327	26	jan	jan	PROPN
cblr-9983	1327	27	.	.	PROPN
cblr-9983	1327	28	19	19	NUM
cblr-9983	1327	29	,	,	PUNCT
cblr-9983	1327	30	2022	2022	NUM
cblr-9983	1327	31	)	)	PUNCT
cblr-9983	1327	32	,	,	PUNCT
cblr-9983	1327	33	https://www.occ.gov/newsissuances/bulletins/2022/bulletin-2022-1.html	https://www.occ.gov/newsissuances/bulletins/2022/bulletin-2022-1.html	VERB
cblr-9983	1327	34	[	[	X
cblr-9983	1327	35	https://perma.cc/5cxkx677	https://perma.cc/5cxkx677	X
cblr-9983	1327	36	]	]	X
cblr-9983	1327	37	(	(	PUNCT
cblr-9983	1327	38	addressing	address	VERB
cblr-9983	1327	39	bulletin	bulletin	NOUN
cblr-9983	1327	40	to	to	ADP
cblr-9983	1327	41	“	"	PUNCT
cblr-9983	1327	42	chief	chief	ADJ
cblr-9983	1327	43	executive	executive	ADJ
cblr-9983	1327	44	officers	officer	NOUN
cblr-9983	1327	45	of	of	ADP
cblr-9983	1327	46	all	all	DET
cblr-9983	1327	47	national	national	ADJ
cblr-9983	1327	48	banks	bank	NOUN
cblr-9983	1327	49	,	,	PUNCT
cblr-9983	1327	50	federal	federal	ADJ
cblr-9983	1327	51	savings	saving	NOUN
cblr-9983	1327	52	associations	association	NOUN
cblr-9983	1327	53	,	,	PUNCT
cblr-9983	1327	54	and	and	CCONJ
cblr-9983	1327	55	federal	federal	ADJ
cblr-9983	1327	56	branches	branch	NOUN
cblr-9983	1327	57	and	and	CCONJ
cblr-9983	1327	58	agencies	agency	NOUN
cblr-9983	1327	59	;	;	PUNCT
cblr-9983	1327	60	department	department	NOUN
cblr-9983	1327	61	and	and	CCONJ
cblr-9983	1327	62	division	division	NOUN
cblr-9983	1327	63	heads	head	NOUN
cblr-9983	1327	64	;	;	PUNCT
cblr-9983	1327	65	all	all	PRON
cblr-9983	1327	66	examining	examine	VERB
cblr-9983	1327	67	personnel	personnel	NOUN
cblr-9983	1327	68	;	;	PUNCT
cblr-9983	1327	69	and	and	CCONJ
cblr-9983	1327	70	other	other	ADJ
cblr-9983	1327	71	interested	interested	ADJ
cblr-9983	1327	72	parties	party	NOUN
cblr-9983	1327	73	”	"	PUNCT
cblr-9983	1327	74	)	)	PUNCT
cblr-9983	1327	75	.	.	PUNCT
cblr-9983	1328	1	the	the	DET
cblr-9983	1328	2	fdic	fdic	PROPN
cblr-9983	1328	3	publishes	publish	VERB
cblr-9983	1328	4	its	its	PRON
cblr-9983	1328	5	“	"	PUNCT
cblr-9983	1328	6	financial	financial	ADJ
cblr-9983	1328	7	institution	institution	NOUN
cblr-9983	1328	8	letters	letter	NOUN
cblr-9983	1328	9	”	"	PUNCT
cblr-9983	1328	10	without	without	ADP
cblr-9983	1328	11	explicit	explicit	ADJ
cblr-9983	1328	12	addressees	addressee	NOUN
cblr-9983	1328	13	,	,	PUNCT
cblr-9983	1328	14	but	but	CCONJ
cblr-9983	1328	15	clearly	clearly	ADV
cblr-9983	1328	16	directed	direct	VERB
cblr-9983	1328	17	at	at	ADP
cblr-9983	1328	18	banks	bank	NOUN
cblr-9983	1328	19	.	.	PUNCT
cblr-9983	1329	1	in	in	ADP
cblr-9983	1329	2	addition	addition	NOUN
cblr-9983	1329	3	to	to	ADP
cblr-9983	1329	4	the	the	DET
cblr-9983	1329	5	heads	head	NOUN
cblr-9983	1329	6	of	of	ADP
cblr-9983	1329	7	supervision	supervision	NOUN
cblr-9983	1329	8	at	at	ADP
cblr-9983	1329	9	each	each	PRON
cblr-9983	1329	10	of	of	ADP
cblr-9983	1329	11	the	the	DET
cblr-9983	1329	12	regional	regional	PROPN
cblr-9983	1329	13	reserve	reserve	PROPN
cblr-9983	1329	14	banks	bank	NOUN
cblr-9983	1329	15	,	,	PUNCT
cblr-9983	1329	16	the	the	DET
cblr-9983	1329	17	federal	federal	PROPN
cblr-9983	1329	18	reserve	reserve	PROPN
cblr-9983	1329	19	often	often	ADV
cblr-9983	1329	20	also	also	ADV
cblr-9983	1329	21	addresses	address	VERB
cblr-9983	1329	22	its	its	PRON
cblr-9983	1329	23	written	write	VERB
cblr-9983	1329	24	guidance	guidance	NOUN
cblr-9983	1329	25	to	to	ADP
cblr-9983	1329	26	banks	bank	NOUN
cblr-9983	1329	27	.	.	PUNCT
cblr-9983	1330	1	see	see	VERB
cblr-9983	1330	2	,	,	PUNCT
cblr-9983	1330	3	e.g.	e.g.	ADV
cblr-9983	1330	4	,	,	PUNCT
cblr-9983	1330	5	bd	bd	PROPN
cblr-9983	1330	6	.	.	PROPN
cblr-9983	1330	7	of	of	ADP
cblr-9983	1330	8	governors	governor	NOUN
cblr-9983	1330	9	of	of	ADP
cblr-9983	1330	10	the	the	DET
cblr-9983	1330	11	fed	fed	PROPN
cblr-9983	1330	12	.	.	PUNCT
cblr-9983	1331	1	rsrv	rsrv	PROPN
cblr-9983	1331	2	.	.	PUNCT
cblr-9983	1332	1	sys	sys	PROPN
cblr-9983	1332	2	.	.	PROPN
cblr-9983	1332	3	,	,	PUNCT
cblr-9983	1332	4	sr	sr	PROPN
cblr-9983	1332	5	22	22	NUM
cblr-9983	1332	6	-	-	SYM
cblr-9983	1332	7	2	2	NUM
cblr-9983	1332	8	:	:	PUNCT
cblr-9983	1332	9	status	status	NOUN
cblr-9983	1332	10	of	of	ADP
cblr-9983	1332	11	covered	cover	VERB
cblr-9983	1332	12	savings	saving	NOUN
cblr-9983	1332	13	associations	association	NOUN
cblr-9983	1332	14	and	and	CCONJ
cblr-9983	1332	15	holding	hold	VERB
cblr-9983	1332	16	companies	company	NOUN
cblr-9983	1332	17	of	of	ADP
cblr-9983	1332	18	covered	cover	VERB
cblr-9983	1332	19	savings	saving	NOUN
cblr-9983	1332	20	associations	association	NOUN
cblr-9983	1332	21	under	under	ADP
cblr-9983	1332	22	statutes	statute	NOUN
cblr-9983	1332	23	and	and	CCONJ
cblr-9983	1332	24	regulations	regulation	NOUN
cblr-9983	1332	25	administered	administer	VERB
cblr-9983	1332	26	by	by	ADP
cblr-9983	1332	27	the	the	DET
cblr-9983	1332	28	federal	federal	PROPN
cblr-9983	1332	29	reserve	reserve	PROPN
cblr-9983	1332	30	(	(	PUNCT
cblr-9983	1332	31	jan	jan	PROPN
cblr-9983	1332	32	.	.	PROPN
cblr-9983	1332	33	13	13	NUM
cblr-9983	1332	34	,	,	PUNCT
cblr-9983	1332	35	2022	2022	NUM
cblr-9983	1332	36	)	)	PUNCT
cblr-9983	1332	37	,	,	PUNCT
cblr-9983	1332	38	https://www.federalreserve.gov/supervisionreg/srletters/sr2202.htm	https://www.federalreserve.gov/supervisionreg/srletters/sr2202.htm	X
cblr-9983	1333	1	[	[	X
cblr-9983	1333	2	https://perma.cc/4adk-fgwm	https://perma.cc/4adk-fgwm	X
cblr-9983	1333	3	]	]	X
cblr-9983	1333	4	(	(	PUNCT
cblr-9983	1333	5	“	"	PUNCT
cblr-9983	1333	6	to	to	ADP
cblr-9983	1333	7	the	the	DET
cblr-9983	1333	8	office	office	NOUN
cblr-9983	1333	9	in	in	ADP
cblr-9983	1333	10	charge	charge	NOUN
cblr-9983	1333	11	of	of	ADP
cblr-9983	1333	12	supervision	supervision	NOUN
cblr-9983	1333	13	and	and	CCONJ
cblr-9983	1333	14	appropriate	appropriate	ADJ
cblr-9983	1333	15	supervisory	supervisory	ADJ
cblr-9983	1333	16	and	and	CCONJ
cblr-9983	1333	17	examination	examination	NOUN
cblr-9983	1333	18	staff	staff	NOUN
cblr-9983	1333	19	at	at	ADP
cblr-9983	1333	20	each	each	DET
cblr-9983	1333	21	federal	federal	PROPN
cblr-9983	1333	22	reserve	reserve	PROPN
cblr-9983	1333	23	bank	bank	PROPN
cblr-9983	1333	24	and	and	CCONJ
cblr-9983	1333	25	banking	banking	NOUN
cblr-9983	1333	26	organizations	organization	NOUN
cblr-9983	1333	27	supervised	supervise	VERB
cblr-9983	1333	28	by	by	ADP
cblr-9983	1333	29	the	the	DET
cblr-9983	1333	30	federal	federal	PROPN
cblr-9983	1333	31	reserve	reserve	PROPN
cblr-9983	1333	32	.	.	PUNCT
cblr-9983	1333	33	”	"	PUNCT
cblr-9983	1333	34	)	)	PUNCT
cblr-9983	1333	35	.	.	PUNCT
cblr-9983	1334	1	220	220	NUM
cblr-9983	1334	2	in	in	ADP
cblr-9983	1334	3	2016	2016	NUM
cblr-9983	1334	4	,	,	PUNCT
cblr-9983	1334	5	for	for	ADP
cblr-9983	1334	6	example	example	NOUN
cblr-9983	1334	7	,	,	PUNCT
cblr-9983	1334	8	the	the	DET
cblr-9983	1334	9	federal	federal	PROPN
cblr-9983	1334	10	reserve	reserve	PROPN
cblr-9983	1334	11	withdrew	withdraw	VERB
cblr-9983	1334	12	seventy	seventy	NUM
cblr-9983	1334	13	-	-	PUNCT
cblr-9983	1334	14	eight	eight	NUM
cblr-9983	1334	15	guidance	guidance	NOUN
cblr-9983	1334	16	documents	document	NOUN
cblr-9983	1334	17	.	.	PUNCT
cblr-9983	1335	1	bd	bd	PROPN
cblr-9983	1335	2	.	.	PROPN
cblr-9983	1335	3	of	of	ADP
cblr-9983	1335	4	governors	governor	NOUN
cblr-9983	1335	5	of	of	ADP
cblr-9983	1335	6	the	the	DET
cblr-9983	1335	7	fed	fed	PROPN
cblr-9983	1335	8	.	.	PUNCT
cblr-9983	1335	9	rsrv	rsrv	PROPN
cblr-9983	1335	10	.	.	PUNCT
cblr-9983	1336	1	sys	sys	PROPN
cblr-9983	1336	2	.	.	PROPN
cblr-9983	1336	3	,	,	PUNCT
cblr-9983	1336	4	sr	sr	PROPN
cblr-9983	1336	5	16	16	NUM
cblr-9983	1336	6	-	-	SYM
cblr-9983	1336	7	9	9	NUM
cblr-9983	1336	8	:	:	PUNCT
cblr-9983	1336	9	inactive	inactive	ADJ
cblr-9983	1336	10	supervisory	supervisory	ADJ
cblr-9983	1336	11	guidance	guidance	NOUN
cblr-9983	1336	12	(	(	PUNCT
cblr-9983	1336	13	apr	apr	NOUN
cblr-9983	1336	14	.	.	PROPN
cblr-9983	1336	15	21	21	NUM
cblr-9983	1336	16	,	,	PUNCT
cblr-9983	1336	17	2016	2016	NUM
cblr-9983	1336	18	)	)	PUNCT
cblr-9983	1336	19	,	,	PUNCT
cblr-9983	1336	20	https://www.federalreserve.gov/supervisionreg/srletters/sr1609a1.pdf	https://www.federalreserve.gov/supervisionreg/srletters/sr1609a1.pdf	X
cblr-9983	1337	1	[	[	X
cblr-9983	1337	2	https://perma.cc/43tn-7yek	https://perma.cc/43tn-7yek	X
cblr-9983	1337	3	]	]	PUNCT
cblr-9983	1337	4	.	.	PUNCT
cblr-9983	1338	1	352	352	NUM
cblr-9983	1338	2	columbia	columbia	PROPN
cblr-9983	1338	3	business	business	NOUN
cblr-9983	1338	4	law	law	PROPN
cblr-9983	1338	5	review	review	NOUN
cblr-9983	1338	6	[	[	X
cblr-9983	1338	7	vol	vol	NOUN
cblr-9983	1338	8	.	.	PUNCT
cblr-9983	1339	1	2022	2022	NUM
cblr-9983	1339	2	loans	loan	NOUN
cblr-9983	1339	3	that	that	PRON
cblr-9983	1339	4	was	be	AUX
cblr-9983	1339	5	issued	issue	VERB
cblr-9983	1339	6	in	in	ADP
cblr-9983	1339	7	2014	2014	NUM
cblr-9983	1339	8	did	do	AUX
cblr-9983	1339	9	not	not	PART
cblr-9983	1339	10	prescribe	prescribe	VERB
cblr-9983	1339	11	a	a	DET
cblr-9983	1339	12	specific	specific	ADJ
cblr-9983	1339	13	process	process	NOUN
cblr-9983	1339	14	that	that	PRON
cblr-9983	1339	15	banks	bank	NOUN
cblr-9983	1339	16	must	must	AUX
cblr-9983	1339	17	follow	follow	VERB
cblr-9983	1339	18	as	as	SCONJ
cblr-9983	1339	19	the	the	DET
cblr-9983	1339	20	draw	draw	VERB
cblr-9983	1339	21	-	-	PUNCT
cblr-9983	1339	22	down	down	ADP
cblr-9983	1339	23	period	period	NOUN
cblr-9983	1339	24	for	for	ADP
cblr-9983	1339	25	the	the	DET
cblr-9983	1339	26	loan	loan	NOUN
cblr-9983	1339	27	nears	near	VERB
cblr-9983	1339	28	its	its	PRON
cblr-9983	1339	29	end	end	NOUN
cblr-9983	1339	30	,	,	PUNCT
cblr-9983	1339	31	it	it	PRON
cblr-9983	1339	32	did	do	AUX
cblr-9983	1339	33	include	include	VERB
cblr-9983	1339	34	the	the	DET
cblr-9983	1339	35	following	follow	VERB
cblr-9983	1339	36	:	:	PUNCT
cblr-9983	1339	37	management	management	NOUN
cblr-9983	1339	38	should	should	AUX
cblr-9983	1339	39	begin	begin	VERB
cblr-9983	1339	40	reaching	reach	VERB
cblr-9983	1339	41	out	out	ADP
cblr-9983	1339	42	to	to	ADP
cblr-9983	1339	43	borrowers	borrower	NOUN
cblr-9983	1339	44	well	well	ADV
cblr-9983	1339	45	before	before	SCONJ
cblr-9983	1339	46	their	their	PRON
cblr-9983	1339	47	scheduled	schedule	VERB
cblr-9983	1339	48	end	end	NOUN
cblr-9983	1339	49	-	-	PUNCT
cblr-9983	1339	50	of	of	ADP
cblr-9983	1339	51	-	-	PUNCT
cblr-9983	1339	52	draw	draw	NOUN
cblr-9983	1339	53	dates	date	NOUN
cblr-9983	1339	54	to	to	PART
cblr-9983	1339	55	establish	establish	VERB
cblr-9983	1339	56	contact	contact	NOUN
cblr-9983	1339	57	,	,	PUNCT
cblr-9983	1339	58	engage	engage	VERB
cblr-9983	1339	59	in	in	ADP
cblr-9983	1339	60	periodic	periodic	ADJ
cblr-9983	1339	61	follow	follow	NOUN
cblr-9983	1339	62	-	-	PUNCT
cblr-9983	1339	63	up	up	NOUN
cblr-9983	1339	64	with	with	ADP
cblr-9983	1339	65	borrowers	borrower	NOUN
cblr-9983	1339	66	,	,	PUNCT
cblr-9983	1339	67	and	and	CCONJ
cblr-9983	1339	68	respond	respond	VERB
cblr-9983	1339	69	effectively	effectively	ADV
cblr-9983	1339	70	to	to	ADP
cblr-9983	1339	71	issues	issue	NOUN
cblr-9983	1339	72	.	.	PUNCT
cblr-9983	1340	1	lenders	lender	NOUN
cblr-9983	1340	2	often	often	ADV
cblr-9983	1340	3	find	find	VERB
cblr-9983	1340	4	that	that	SCONJ
cblr-9983	1340	5	successful	successful	ADJ
cblr-9983	1340	6	outreach	outreach	NOUN
cblr-9983	1340	7	efforts	effort	NOUN
cblr-9983	1340	8	start	start	VERB
cblr-9983	1340	9	at	at	ADV
cblr-9983	1340	10	least	least	ADV
cblr-9983	1340	11	six	six	NUM
cblr-9983	1340	12	to	to	PART
cblr-9983	1340	13	nine	nine	NUM
cblr-9983	1340	14	months	month	NOUN
cblr-9983	1340	15	or	or	CCONJ
cblr-9983	1340	16	more	more	ADJ
cblr-9983	1340	17	before	before	ADP
cblr-9983	1340	18	end	end	NOUN
cblr-9983	1340	19	-	-	PUNCT
cblr-9983	1340	20	of	of	ADP
cblr-9983	1340	21	-	-	PUNCT
cblr-9983	1340	22	draw	draw	NOUN
cblr-9983	1340	23	dates	date	NOUN
cblr-9983	1340	24	,	,	PUNCT
cblr-9983	1340	25	with	with	ADP
cblr-9983	1340	26	simple	simple	ADJ
cblr-9983	1340	27	,	,	PUNCT
cblr-9983	1340	28	direct	direct	ADJ
cblr-9983	1340	29	messaging	messaging	NOUN
cblr-9983	1340	30	.	.	PUNCT
cblr-9983	1341	1	many	many	ADJ
cblr-9983	1341	2	successful	successful	ADJ
cblr-9983	1341	3	programs	program	NOUN
cblr-9983	1341	4	have	have	AUX
cblr-9983	1341	5	required	require	VERB
cblr-9983	1341	6	several	several	ADJ
cblr-9983	1341	7	attempts	attempt	NOUN
cblr-9983	1341	8	to	to	PART
cblr-9983	1341	9	contact	contact	VERB
cblr-9983	1341	10	borrowers	borrower	NOUN
cblr-9983	1341	11	to	to	PART
cblr-9983	1341	12	achieve	achieve	VERB
cblr-9983	1341	13	the	the	DET
cblr-9983	1341	14	most	most	ADV
cblr-9983	1341	15	effective	effective	ADJ
cblr-9983	1341	16	timing	timing	NOUN
cblr-9983	1341	17	and	and	CCONJ
cblr-9983	1341	18	messaging.221	messaging.221	NOUN
cblr-9983	1341	19	as	as	SCONJ
cblr-9983	1341	20	noted	note	VERB
cblr-9983	1341	21	briefly	briefly	ADV
cblr-9983	1341	22	in	in	ADP
cblr-9983	1341	23	part	part	PROPN
cblr-9983	1341	24	ii	ii	PROPN
cblr-9983	1341	25	,	,	PUNCT
cblr-9983	1341	26	mras	mras	X
cblr-9983	1341	27	are	be	AUX
cblr-9983	1341	28	a	a	DET
cblr-9983	1341	29	form	form	NOUN
cblr-9983	1341	30	of	of	ADP
cblr-9983	1341	31	administrative	administrative	ADJ
cblr-9983	1341	32	action	action	NOUN
cblr-9983	1341	33	peculiar	peculiar	ADJ
cblr-9983	1341	34	to	to	ADP
cblr-9983	1341	35	a	a	DET
cblr-9983	1341	36	specifically	specifically	ADV
cblr-9983	1341	37	supervisory	supervisory	ADJ
cblr-9983	1341	38	function	function	NOUN
cblr-9983	1341	39	.	.	PUNCT
cblr-9983	1342	1	they	they	PRON
cblr-9983	1342	2	are	be	AUX
cblr-9983	1342	3	not	not	PART
cblr-9983	1342	4	enforcement	enforcement	NOUN
cblr-9983	1342	5	actions	action	NOUN
cblr-9983	1342	6	.	.	PUNCT
cblr-9983	1343	1	they	they	PRON
cblr-9983	1343	2	are	be	AUX
cblr-9983	1343	3	typically	typically	ADV
cblr-9983	1343	4	communicated	communicate	VERB
cblr-9983	1343	5	as	as	ADP
cblr-9983	1343	6	part	part	NOUN
cblr-9983	1343	7	of	of	ADP
cblr-9983	1343	8	a	a	DET
cblr-9983	1343	9	report	report	NOUN
cblr-9983	1343	10	to	to	ADP
cblr-9983	1343	11	a	a	DET
cblr-9983	1343	12	bank	bank	NOUN
cblr-9983	1343	13	following	follow	VERB
cblr-9983	1343	14	a	a	DET
cblr-9983	1343	15	supervisory	supervisory	ADJ
cblr-9983	1343	16	examination	examination	NOUN
cblr-9983	1343	17	.	.	PUNCT
cblr-9983	1344	1	the	the	DET
cblr-9983	1344	2	federal	federal	PROPN
cblr-9983	1344	3	reserve	reserve	PROPN
cblr-9983	1344	4	describes	describe	VERB
cblr-9983	1344	5	them	they	PRON
cblr-9983	1344	6	as	as	SCONJ
cblr-9983	1344	7	follows	follow	VERB
cblr-9983	1344	8	:	:	PUNCT
cblr-9983	1344	9	mras	mras	ADJ
cblr-9983	1344	10	call	call	VERB
cblr-9983	1344	11	for	for	ADP
cblr-9983	1344	12	action	action	NOUN
cblr-9983	1344	13	to	to	PART
cblr-9983	1344	14	address	address	VERB
cblr-9983	1344	15	weaknesses	weakness	NOUN
cblr-9983	1344	16	in	in	ADP
cblr-9983	1344	17	processes	process	NOUN
cblr-9983	1344	18	or	or	CCONJ
cblr-9983	1344	19	controls	control	NOUN
cblr-9983	1344	20	that	that	PRON
cblr-9983	1344	21	could	could	AUX
cblr-9983	1344	22	lead	lead	VERB
cblr-9983	1344	23	to	to	ADP
cblr-9983	1344	24	deterioration	deterioration	NOUN
cblr-9983	1344	25	in	in	ADP
cblr-9983	1344	26	a	a	DET
cblr-9983	1344	27	banking	banking	NOUN
cblr-9983	1344	28	organization	organization	NOUN
cblr-9983	1344	29	’s	’s	PART
cblr-9983	1344	30	soundness	soundness	NOUN
cblr-9983	1344	31	;	;	PUNCT
cblr-9983	1344	32	may	may	AUX
cblr-9983	1344	33	result	result	VERB
cblr-9983	1344	34	in	in	ADP
cblr-9983	1344	35	harm	harm	NOUN
cblr-9983	1344	36	to	to	ADP
cblr-9983	1344	37	consumers	consumer	NOUN
cblr-9983	1344	38	;	;	PUNCT
cblr-9983	1344	39	or	or	CCONJ
cblr-9983	1344	40	that	that	PRON
cblr-9983	1344	41	have	have	AUX
cblr-9983	1344	42	caused	cause	VERB
cblr-9983	1344	43	,	,	PUNCT
cblr-9983	1344	44	or	or	CCONJ
cblr-9983	1344	45	could	could	AUX
cblr-9983	1344	46	lead	lead	VERB
cblr-9983	1344	47	to	to	ADP
cblr-9983	1344	48	,	,	PUNCT
cblr-9983	1344	49	noncompliance	noncompliance	NOUN
cblr-9983	1344	50	with	with	ADP
cblr-9983	1344	51	laws	law	NOUN
cblr-9983	1344	52	and	and	CCONJ
cblr-9983	1344	53	regulations	regulation	NOUN
cblr-9983	1344	54	.	.	PUNCT
cblr-9983	1345	1	when	when	SCONJ
cblr-9983	1345	2	weaknesses	weakness	NOUN
cblr-9983	1345	3	are	be	AUX
cblr-9983	1345	4	acute	acute	ADJ
cblr-9983	1345	5	or	or	CCONJ
cblr-9983	1345	6	protracted	protract	VERB
cblr-9983	1345	7	,	,	PUNCT
cblr-9983	1345	8	federal	federal	ADJ
cblr-9983	1345	9	reserve	reserve	NOUN
cblr-9983	1345	10	examiners	examiner	NOUN
cblr-9983	1345	11	may	may	AUX
cblr-9983	1345	12	recommend	recommend	VERB
cblr-9983	1345	13	that	that	SCONJ
cblr-9983	1345	14	management	management	NOUN
cblr-9983	1345	15	take	take	VERB
cblr-9983	1345	16	action	action	NOUN
cblr-9983	1345	17	more	more	ADV
cblr-9983	1345	18	quickly	quickly	ADV
cblr-9983	1345	19	by	by	ADP
cblr-9983	1345	20	issuing	issue	VERB
cblr-9983	1345	21	a	a	DET
cblr-9983	1345	22	“	"	PUNCT
cblr-9983	1345	23	matter	matter	NOUN
cblr-9983	1345	24	requiring	require	VERB
cblr-9983	1345	25	immediate	immediate	ADJ
cblr-9983	1345	26	attention	attention	NOUN
cblr-9983	1345	27	,	,	PUNCT
cblr-9983	1345	28	”	"	PUNCT
cblr-9983	1345	29	or	or	CCONJ
cblr-9983	1345	30	mria.222	mria.222	NOUN
cblr-9983	1345	31	while	while	SCONJ
cblr-9983	1345	32	an	an	DET
cblr-9983	1345	33	mra	mra	NOUN
cblr-9983	1345	34	is	be	AUX
cblr-9983	1345	35	not	not	PART
cblr-9983	1345	36	itself	itself	PRON
cblr-9983	1345	37	an	an	DET
cblr-9983	1345	38	indication	indication	NOUN
cblr-9983	1345	39	that	that	SCONJ
cblr-9983	1345	40	an	an	DET
cblr-9983	1345	41	institution	institution	NOUN
cblr-9983	1345	42	is	be	AUX
cblr-9983	1345	43	currently	currently	ADV
cblr-9983	1345	44	in	in	ADP
cblr-9983	1345	45	an	an	DET
cblr-9983	1345	46	unsafe	unsafe	ADJ
cblr-9983	1345	47	or	or	CCONJ
cblr-9983	1345	48	unsound	unsound	ADJ
cblr-9983	1345	49	condition	condition	NOUN
cblr-9983	1345	50	or	or	CCONJ
cblr-9983	1345	51	otherwise	otherwise	ADV
cblr-9983	1345	52	troubled	trouble	VERB
cblr-9983	1345	53	,	,	PUNCT
cblr-9983	1345	54	the	the	DET
cblr-9983	1345	55	federal	federal	PROPN
cblr-9983	1345	56	reserve	reserve	PROPN
cblr-9983	1345	57	notes	note	VERB
cblr-9983	1345	58	that	that	SCONJ
cblr-9983	1345	59	a	a	DET
cblr-9983	1345	60	large	large	ADJ
cblr-9983	1345	61	number	number	NOUN
cblr-9983	1345	62	of	of	ADP
cblr-9983	1345	63	221	221	NUM
cblr-9983	1345	64	press	press	NOUN
cblr-9983	1345	65	release	release	NOUN
cblr-9983	1345	66	,	,	PUNCT
cblr-9983	1345	67	off	off	ADV
cblr-9983	1345	68	.	.	PUNCT
cblr-9983	1345	69	of	of	ADP
cblr-9983	1345	70	the	the	DET
cblr-9983	1345	71	comptroller	comptroller	NOUN
cblr-9983	1345	72	of	of	ADP
cblr-9983	1345	73	the	the	DET
cblr-9983	1345	74	currency	currency	NOUN
cblr-9983	1345	75	,	,	PUNCT
cblr-9983	1345	76	bd	bd	PROPN
cblr-9983	1345	77	.	.	PROPN
cblr-9983	1345	78	of	of	ADP
cblr-9983	1345	79	governors	governor	NOUN
cblr-9983	1345	80	of	of	ADP
cblr-9983	1345	81	the	the	DET
cblr-9983	1345	82	fed	fed	PROPN
cblr-9983	1345	83	.	.	PUNCT
cblr-9983	1345	84	rsrv	rsrv	PROPN
cblr-9983	1345	85	.	.	PUNCT
cblr-9983	1346	1	sys	sys	PROPN
cblr-9983	1346	2	.	.	PROPN
cblr-9983	1346	3	,	,	PUNCT
cblr-9983	1346	4	fed	fed	PROPN
cblr-9983	1346	5	.	.	PUNCT
cblr-9983	1347	1	deposit	deposit	PROPN
cblr-9983	1347	2	ins	ins	PROPN
cblr-9983	1347	3	.	.	PUNCT
cblr-9983	1347	4	corp	corp	PROPN
cblr-9983	1347	5	.	.	PROPN
cblr-9983	1347	6	,	,	PUNCT
cblr-9983	1347	7	nat’l	nat’l	PROPN
cblr-9983	1347	8	credit	credit	NOUN
cblr-9983	1347	9	union	union	NOUN
cblr-9983	1347	10	admin	admin	PROPN
cblr-9983	1347	11	.	.	PROPN
cblr-9983	1347	12	&	&	CCONJ
cblr-9983	1347	13	conf	conf	PROPN
cblr-9983	1347	14	.	.	PUNCT
cblr-9983	1348	1	of	of	ADP
cblr-9983	1348	2	state	state	PROPN
cblr-9983	1348	3	bank	bank	PROPN
cblr-9983	1348	4	supervisors	supervisor	NOUN
cblr-9983	1348	5	,	,	PUNCT
cblr-9983	1348	6	interagency	interagency	NOUN
cblr-9983	1348	7	guidance	guidance	NOUN
cblr-9983	1348	8	on	on	ADP
cblr-9983	1348	9	home	home	NOUN
cblr-9983	1348	10	equity	equity	NOUN
cblr-9983	1348	11	lines	line	NOUN
cblr-9983	1348	12	of	of	ADP
cblr-9983	1348	13	credit	credit	NOUN
cblr-9983	1348	14	nearing	near	VERB
cblr-9983	1348	15	their	their	PRON
cblr-9983	1348	16	end	end	NOUN
cblr-9983	1348	17	-	-	PUNCT
cblr-9983	1348	18	of	of	ADP
cblr-9983	1348	19	-	-	PUNCT
cblr-9983	1348	20	draw	draw	NOUN
cblr-9983	1348	21	periods	period	NOUN
cblr-9983	1348	22	(	(	PUNCT
cblr-9983	1348	23	july	july	PROPN
cblr-9983	1348	24	1	1	NUM
cblr-9983	1348	25	,	,	PUNCT
cblr-9983	1348	26	2014	2014	NUM
cblr-9983	1348	27	)	)	PUNCT
cblr-9983	1348	28	,	,	PUNCT
cblr-9983	1348	29	https://www.fdic.gov/news/press-releases/2014/pr14052a.html	https://www.fdic.gov/news/press-releases/2014/pr14052a.html	PROPN
cblr-9983	1349	1	[	[	X
cblr-9983	1349	2	https://perma.cc/7a8p-uunb	https://perma.cc/7a8p-uunb	X
cblr-9983	1349	3	]	]	X
cblr-9983	1349	4	.	.	PUNCT
cblr-9983	1350	1	222	222	NUM
cblr-9983	1350	2	bd	bd	PROPN
cblr-9983	1350	3	.	.	PROPN
cblr-9983	1350	4	of	of	ADP
cblr-9983	1350	5	governors	governor	NOUN
cblr-9983	1350	6	of	of	ADP
cblr-9983	1350	7	the	the	DET
cblr-9983	1350	8	fed	fed	PROPN
cblr-9983	1350	9	.	.	PUNCT
cblr-9983	1350	10	rsrv	rsrv	PROPN
cblr-9983	1350	11	.	.	PUNCT
cblr-9983	1351	1	sys	sys	PROPN
cblr-9983	1351	2	.	.	PROPN
cblr-9983	1351	3	,	,	PUNCT
cblr-9983	1351	4	supervision	supervision	NOUN
cblr-9983	1351	5	and	and	CCONJ
cblr-9983	1351	6	regulation	regulation	NOUN
cblr-9983	1351	7	report	report	NOUN
cblr-9983	1351	8	,	,	PUNCT
cblr-9983	1351	9	supra	supra	PROPN
cblr-9983	1351	10	note	note	NOUN
cblr-9983	1351	11	73	73	NUM
cblr-9983	1351	12	,	,	PUNCT
cblr-9983	1351	13	at	at	ADP
cblr-9983	1351	14	16	16	NUM
cblr-9983	1351	15	.	.	PUNCT
cblr-9983	1352	1	no	no	INTJ
cblr-9983	1352	2	.	.	PUNCT
cblr-9983	1353	1	1:279	1:279	NOUN
cblr-9983	1353	2	]	]	X
cblr-9983	1353	3	bank	bank	NOUN
cblr-9983	1353	4	supervision	supervision	NOUN
cblr-9983	1353	5	and	and	CCONJ
cblr-9983	1353	6	administrative	administrative	ADJ
cblr-9983	1353	7	law	law	NOUN
cblr-9983	1353	8	353	353	NUM
cblr-9983	1353	9	outstanding	outstanding	ADJ
cblr-9983	1353	10	mras	mras	NOUN
cblr-9983	1353	11	may	may	AUX
cblr-9983	1353	12	result	result	VERB
cblr-9983	1353	13	in	in	ADP
cblr-9983	1353	14	a	a	DET
cblr-9983	1353	15	downgrade	downgrade	NOUN
cblr-9983	1353	16	to	to	ADP
cblr-9983	1353	17	a	a	DET
cblr-9983	1353	18	banking	banking	NOUN
cblr-9983	1353	19	organization	organization	NOUN
cblr-9983	1353	20	’s	’s	PART
cblr-9983	1353	21	supervisory	supervisory	ADJ
cblr-9983	1353	22	rating.223	rating.223	PROPN
cblr-9983	1353	23	mras	mra	NOUN
cblr-9983	1353	24	are	be	AUX
cblr-9983	1353	25	usually	usually	ADV
cblr-9983	1353	26	resolved	resolve	VERB
cblr-9983	1353	27	without	without	ADP
cblr-9983	1353	28	escalation	escalation	NOUN
cblr-9983	1353	29	to	to	ADP
cblr-9983	1353	30	a	a	DET
cblr-9983	1353	31	formal	formal	ADJ
cblr-9983	1353	32	enforcement	enforcement	NOUN
cblr-9983	1353	33	action	action	NOUN
cblr-9983	1353	34	,	,	PUNCT
cblr-9983	1353	35	but	but	CCONJ
cblr-9983	1353	36	the	the	DET
cblr-9983	1353	37	failure	failure	NOUN
cblr-9983	1353	38	to	to	PART
cblr-9983	1353	39	correct	correct	VERB
cblr-9983	1353	40	deficiencies	deficiency	NOUN
cblr-9983	1353	41	cited	cite	VERB
cblr-9983	1353	42	in	in	ADP
cblr-9983	1353	43	prior	prior	ADJ
cblr-9983	1353	44	mras	mras	NOUN
cblr-9983	1353	45	may	may	AUX
cblr-9983	1353	46	be	be	AUX
cblr-9983	1353	47	a	a	DET
cblr-9983	1353	48	factor	factor	NOUN
cblr-9983	1353	49	in	in	ADP
cblr-9983	1353	50	the	the	DET
cblr-9983	1353	51	agency	agency	NOUN
cblr-9983	1353	52	’s	’s	PART
cblr-9983	1353	53	decision	decision	NOUN
cblr-9983	1353	54	to	to	PART
cblr-9983	1353	55	bring	bring	VERB
cblr-9983	1353	56	a	a	DET
cblr-9983	1353	57	formal	formal	ADJ
cblr-9983	1353	58	enforcement	enforcement	NOUN
cblr-9983	1353	59	action	action	NOUN
cblr-9983	1353	60	,	,	PUNCT
cblr-9983	1353	61	as	as	ADV
cblr-9983	1353	62	well	well	ADV
cblr-9983	1353	63	as	as	ADP
cblr-9983	1353	64	in	in	ADP
cblr-9983	1353	65	its	its	PRON
cblr-9983	1353	66	evaluation	evaluation	NOUN
cblr-9983	1353	67	of	of	ADP
cblr-9983	1353	68	the	the	DET
cblr-9983	1353	69	overall	overall	ADJ
cblr-9983	1353	70	condition	condition	NOUN
cblr-9983	1353	71	of	of	ADP
cblr-9983	1353	72	the	the	DET
cblr-9983	1353	73	institution.224	institution.224	PROPN
cblr-9983	1353	74	2	2	NUM
cblr-9983	1353	75	.	.	PUNCT
cblr-9983	1353	76	interaction	interaction	NOUN
cblr-9983	1353	77	of	of	ADP
cblr-9983	1353	78	guidance	guidance	NOUN
cblr-9983	1353	79	,	,	PUNCT
cblr-9983	1353	80	mras	mras	ADJ
cblr-9983	1353	81	,	,	PUNCT
cblr-9983	1353	82	and	and	CCONJ
cblr-9983	1353	83	ratings	rating	NOUN
cblr-9983	1353	84	one	one	NUM
cblr-9983	1353	85	probable	probable	ADJ
cblr-9983	1353	86	reason	reason	NOUN
cblr-9983	1353	87	for	for	ADP
cblr-9983	1353	88	the	the	DET
cblr-9983	1353	89	confusion	confusion	NOUN
cblr-9983	1353	90	in	in	ADP
cblr-9983	1353	91	judicial	judicial	ADJ
cblr-9983	1353	92	doctrine	doctrine	NOUN
cblr-9983	1353	93	is	be	AUX
cblr-9983	1353	94	that	that	SCONJ
cblr-9983	1353	95	“	"	PUNCT
cblr-9983	1353	96	guidance	guidance	NOUN
cblr-9983	1353	97	”	"	PUNCT
cblr-9983	1353	98	takes	take	VERB
cblr-9983	1353	99	so	so	ADV
cblr-9983	1353	100	many	many	ADJ
cblr-9983	1353	101	forms	form	NOUN
cblr-9983	1353	102	,	,	PUNCT
cblr-9983	1353	103	and	and	CCONJ
cblr-9983	1353	104	has	have	VERB
cblr-9983	1353	105	such	such	ADJ
cblr-9983	1353	106	different	different	ADJ
cblr-9983	1353	107	effects	effect	NOUN
cblr-9983	1353	108	,	,	PUNCT
cblr-9983	1353	109	across	across	ADP
cblr-9983	1353	110	agencies.225	agencies.225	NOUN
cblr-9983	1353	111	in	in	ADP
cblr-9983	1353	112	evaluating	evaluate	VERB
cblr-9983	1353	113	claims	claim	NOUN
cblr-9983	1353	114	that	that	SCONJ
cblr-9983	1353	115	a	a	DET
cblr-9983	1353	116	particular	particular	ADJ
cblr-9983	1353	117	agency	agency	NOUN
cblr-9983	1353	118	pronouncement	pronouncement	NOUN
cblr-9983	1353	119	should	should	AUX
cblr-9983	1353	120	have	have	AUX
cblr-9983	1353	121	followed	follow	VERB
cblr-9983	1353	122	a	a	DET
cblr-9983	1353	123	notice	notice	NOUN
cblr-9983	1353	124	-	-	PUNCT
cblr-9983	1353	125	and	and	CCONJ
cblr-9983	1353	126	-	-	PUNCT
cblr-9983	1353	127	comment	comment	NOUN
cblr-9983	1353	128	rulemaking	rulemaking	NOUN
cblr-9983	1353	129	process	process	NOUN
cblr-9983	1353	130	,	,	PUNCT
cblr-9983	1353	131	courts	court	NOUN
cblr-9983	1353	132	need	need	VERB
cblr-9983	1353	133	to	to	PART
cblr-9983	1353	134	grapple	grapple	VERB
cblr-9983	1353	135	with	with	ADP
cblr-9983	1353	136	these	these	DET
cblr-9983	1353	137	variations	variation	NOUN
cblr-9983	1353	138	in	in	ADP
cblr-9983	1353	139	practice	practice	NOUN
cblr-9983	1353	140	.	.	PUNCT
cblr-9983	1354	1	to	to	PART
cblr-9983	1354	2	illustrate	illustrate	VERB
cblr-9983	1354	3	the	the	DET
cblr-9983	1354	4	unique	unique	ADJ
cblr-9983	1354	5	set	set	NOUN
cblr-9983	1354	6	of	of	ADP
cblr-9983	1354	7	issues	issue	NOUN
cblr-9983	1354	8	raised	raise	VERB
cblr-9983	1354	9	by	by	ADP
cblr-9983	1354	10	the	the	DET
cblr-9983	1354	11	interaction	interaction	NOUN
cblr-9983	1354	12	of	of	ADP
cblr-9983	1354	13	guidance	guidance	NOUN
cblr-9983	1354	14	,	,	PUNCT
cblr-9983	1354	15	mras	mras	ADJ
cblr-9983	1354	16	,	,	PUNCT
cblr-9983	1354	17	and	and	CCONJ
cblr-9983	1354	18	ratings	rating	NOUN
cblr-9983	1354	19	decisions	decision	NOUN
cblr-9983	1354	20	in	in	ADP
cblr-9983	1354	21	bank	bank	NOUN
cblr-9983	1354	22	supervision	supervision	NOUN
cblr-9983	1354	23	,	,	PUNCT
cblr-9983	1354	24	consider	consider	VERB
cblr-9983	1354	25	the	the	DET
cblr-9983	1354	26	following	follow	VERB
cblr-9983	1354	27	hypothetical	hypothetical	ADJ
cblr-9983	1354	28	situation	situation	NOUN
cblr-9983	1354	29	.	.	PUNCT
cblr-9983	1355	1	this	this	DET
cblr-9983	1355	2	hypothetical	hypothetical	ADJ
cblr-9983	1355	3	is	be	AUX
cblr-9983	1355	4	based	base	VERB
cblr-9983	1355	5	on	on	ADP
cblr-9983	1355	6	actual	actual	ADJ
cblr-9983	1355	7	published	publish	VERB
cblr-9983	1355	8	guidance	guidance	NOUN
cblr-9983	1355	9	covering	covering	NOUN
cblr-9983	1355	10	model	model	NOUN
cblr-9983	1355	11	risk	risk	NOUN
cblr-9983	1355	12	management.226	management.226	NOUN
cblr-9983	1355	13	it	it	PRON
cblr-9983	1355	14	incorporates	incorporate	VERB
cblr-9983	1355	15	the	the	DET
cblr-9983	1355	16	issuance	issuance	NOUN
cblr-9983	1355	17	of	of	ADP
cblr-9983	1355	18	an	an	DET
cblr-9983	1355	19	mra	mra	NOUN
cblr-9983	1355	20	that	that	PRON
cblr-9983	1355	21	refers	refer	VERB
cblr-9983	1355	22	to	to	ADP
cblr-9983	1355	23	the	the	DET
cblr-9983	1355	24	guidance	guidance	NOUN
cblr-9983	1355	25	and	and	CCONJ
cblr-9983	1355	26	an	an	DET
cblr-9983	1355	27	eventual	eventual	ADJ
cblr-9983	1355	28	ratings	rating	NOUN
cblr-9983	1355	29	downgrade	downgrade	VERB
cblr-9983	1355	30	that	that	SCONJ
cblr-9983	1355	31	,	,	PUNCT
cblr-9983	1355	32	in	in	ADP
cblr-9983	1355	33	turn	turn	NOUN
cblr-9983	1355	34	,	,	PUNCT
cblr-9983	1355	35	refers	refer	VERB
cblr-9983	1355	36	back	back	ADV
cblr-9983	1355	37	to	to	ADP
cblr-9983	1355	38	the	the	DET
cblr-9983	1355	39	mra	mra	NOUN
cblr-9983	1355	40	.	.	PUNCT
cblr-9983	1356	1	a	a	DET
cblr-9983	1356	2	twenty	twenty	NUM
cblr-9983	1356	3	-	-	PUNCT
cblr-9983	1356	4	one	one	NUM
cblr-9983	1356	5	-	-	PUNCT
cblr-9983	1356	6	page	page	NOUN
cblr-9983	1356	7	document	document	NOUN
cblr-9983	1356	8	explains	explain	VERB
cblr-9983	1356	9	the	the	DET
cblr-9983	1356	10	role	role	NOUN
cblr-9983	1356	11	of	of	ADP
cblr-9983	1356	12	quantitative	quantitative	ADJ
cblr-9983	1356	13	models	model	NOUN
cblr-9983	1356	14	in	in	ADP
cblr-9983	1356	15	banks	bank	NOUN
cblr-9983	1356	16	’	’	PART
cblr-9983	1356	17	risk	risk	NOUN
cblr-9983	1356	18	management	management	NOUN
cblr-9983	1356	19	,	,	PUNCT
cblr-9983	1356	20	as	as	ADV
cblr-9983	1356	21	well	well	ADV
cblr-9983	1356	22	of	of	ADP
cblr-9983	1356	23	some	some	PRON
cblr-9983	1356	24	of	of	ADP
cblr-9983	1356	25	their	their	PRON
cblr-9983	1356	26	limitations	limitation	NOUN
cblr-9983	1356	27	.	.	PUNCT
cblr-9983	1357	1	roughly	roughly	ADV
cblr-9983	1357	2	half	half	DET
cblr-9983	1357	3	the	the	DET
cblr-9983	1357	4	document	document	NOUN
cblr-9983	1357	5	addresses	address	VERB
cblr-9983	1357	6	the	the	DET
cblr-9983	1357	7	issue	issue	NOUN
cblr-9983	1357	8	of	of	ADP
cblr-9983	1357	9	model	model	NOUN
cblr-9983	1357	10	validation	validation	NOUN
cblr-9983	1357	11	and	and	CCONJ
cblr-9983	1357	12	controls	control	NOUN
cblr-9983	1357	13	around	around	ADP
cblr-9983	1357	14	model	model	NOUN
cblr-9983	1357	15	use	use	NOUN
cblr-9983	1357	16	.	.	PUNCT
cblr-9983	1358	1	although	although	SCONJ
cblr-9983	1358	2	it	it	PRON
cblr-9983	1358	3	does	do	AUX
cblr-9983	1358	4	not	not	PART
cblr-9983	1358	5	recommend	recommend	VERB
cblr-9983	1358	6	,	,	PUNCT
cblr-9983	1358	7	much	much	ADV
cblr-9983	1358	8	less	less	ADJ
cblr-9983	1358	9	223	223	NUM
cblr-9983	1359	1	i	i	PRON
cblr-9983	1359	2	d.	d.	PROPN
cblr-9983	1359	3	at	at	ADP
cblr-9983	1359	4	16	16	NUM
cblr-9983	1359	5	.	.	PUNCT
cblr-9983	1360	1	224	224	NUM
cblr-9983	1360	2	i	i	PRON
cblr-9983	1360	3	d.	d.	VERB
cblr-9983	1360	4	at	at	ADP
cblr-9983	1360	5	21	21	NUM
cblr-9983	1360	6	.	.	PUNCT
cblr-9983	1360	7	225	225	NUM
cblr-9983	1360	8	for	for	ADP
cblr-9983	1360	9	a	a	DET
cblr-9983	1360	10	survey	survey	NOUN
cblr-9983	1360	11	of	of	ADP
cblr-9983	1360	12	the	the	DET
cblr-9983	1360	13	panoply	panoply	NOUN
cblr-9983	1360	14	of	of	ADP
cblr-9983	1360	15	forms	form	NOUN
cblr-9983	1360	16	of	of	ADP
cblr-9983	1360	17	agency	agency	NOUN
cblr-9983	1360	18	guidance	guidance	NOUN
cblr-9983	1360	19	,	,	PUNCT
cblr-9983	1360	20	and	and	CCONJ
cblr-9983	1360	21	the	the	DET
cblr-9983	1360	22	ways	way	NOUN
cblr-9983	1360	23	agency	agency	NOUN
cblr-9983	1360	24	use	use	VERB
cblr-9983	1360	25	it	it	PRON
cblr-9983	1360	26	,	,	PUNCT
cblr-9983	1360	27	see	see	VERB
cblr-9983	1360	28	nicholas	nicholas	PROPN
cblr-9983	1360	29	r.	r.	PROPN
cblr-9983	1360	30	parrillo	parrillo	PROPN
cblr-9983	1360	31	,	,	PUNCT
cblr-9983	1360	32	federal	federal	ADJ
cblr-9983	1360	33	agency	agency	NOUN
cblr-9983	1360	34	guidance	guidance	NOUN
cblr-9983	1360	35	and	and	CCONJ
cblr-9983	1360	36	the	the	DET
cblr-9983	1360	37	power	power	NOUN
cblr-9983	1360	38	to	to	PART
cblr-9983	1360	39	bind	bind	VERB
cblr-9983	1360	40	:	:	PUNCT
cblr-9983	1360	41	an	an	DET
cblr-9983	1360	42	empirical	empirical	ADJ
cblr-9983	1360	43	study	study	NOUN
cblr-9983	1360	44	of	of	ADP
cblr-9983	1360	45	agencies	agency	NOUN
cblr-9983	1360	46	and	and	CCONJ
cblr-9983	1360	47	industries	industry	NOUN
cblr-9983	1360	48	,	,	PUNCT
cblr-9983	1360	49	36	36	NUM
cblr-9983	1360	50	yale	yale	PROPN
cblr-9983	1360	51	j.	j.	PROPN
cblr-9983	1360	52	on	on	ADP
cblr-9983	1360	53	regul	regul	NOUN
cblr-9983	1360	54	.	.	PUNCT
cblr-9983	1361	1	165	165	NUM
cblr-9983	1361	2	(	(	PUNCT
cblr-9983	1361	3	2019	2019	NUM
cblr-9983	1361	4	)	)	PUNCT
cblr-9983	1361	5	.	.	PUNCT
cblr-9983	1362	1	226	226	NUM
cblr-9983	1362	2	bd	bd	PROPN
cblr-9983	1362	3	.	.	PROPN
cblr-9983	1362	4	of	of	ADP
cblr-9983	1362	5	governors	governor	NOUN
cblr-9983	1362	6	of	of	ADP
cblr-9983	1362	7	the	the	DET
cblr-9983	1362	8	fed	fed	PROPN
cblr-9983	1362	9	.	.	PUNCT
cblr-9983	1362	10	rsrv	rsrv	PROPN
cblr-9983	1362	11	.	.	PUNCT
cblr-9983	1363	1	sys	sys	PROPN
cblr-9983	1363	2	.	.	PROPN
cblr-9983	1363	3	,	,	PUNCT
cblr-9983	1363	4	sr	sr	PROPN
cblr-9983	1363	5	11	11	NUM
cblr-9983	1363	6	-	-	SYM
cblr-9983	1363	7	7	7	NUM
cblr-9983	1363	8	attachment	attachment	NOUN
cblr-9983	1363	9	:	:	PUNCT
cblr-9983	1363	10	supervisory	supervisory	ADJ
cblr-9983	1363	11	guidance	guidance	NOUN
cblr-9983	1363	12	on	on	ADP
cblr-9983	1363	13	model	model	NOUN
cblr-9983	1363	14	risk	risk	NOUN
cblr-9983	1363	15	management	management	NOUN
cblr-9983	1363	16	(	(	PUNCT
cblr-9983	1363	17	apr	apr	NOUN
cblr-9983	1363	18	.	.	PROPN
cblr-9983	1363	19	4	4	NUM
cblr-9983	1363	20	,	,	PUNCT
cblr-9983	1363	21	2011	2011	NUM
cblr-9983	1363	22	)	)	PUNCT
cblr-9983	1363	23	,	,	PUNCT
cblr-9983	1363	24	https://www.federalreserve.gov/supervisionreg/srletters/sr1107.htm	https://www.federalreserve.gov/supervisionreg/srletters/sr1107.htm	PROPN
cblr-9983	1364	1	[	[	X
cblr-9983	1364	2	https://perma.cc/49zh-dlnq	https://perma.cc/49zh-dlnq	X
cblr-9983	1364	3	]	]	X
cblr-9983	1365	1	[	[	X
cblr-9983	1365	2	hereinafter	hereinafter	NOUN
cblr-9983	1365	3	“	"	PUNCT
cblr-9983	1365	4	model	model	NOUN
cblr-9983	1365	5	risk	risk	NOUN
cblr-9983	1365	6	guidance	guidance	NOUN
cblr-9983	1365	7	”	"	PUNCT
cblr-9983	1365	8	]	]	PUNCT
cblr-9983	1365	9	.	.	PUNCT
cblr-9983	1366	1	this	this	DET
cblr-9983	1366	2	guidance	guidance	NOUN
cblr-9983	1366	3	was	be	AUX
cblr-9983	1366	4	issued	issue	VERB
cblr-9983	1366	5	jointly	jointly	ADV
cblr-9983	1366	6	with	with	ADP
cblr-9983	1366	7	the	the	DET
cblr-9983	1366	8	office	office	NOUN
cblr-9983	1366	9	of	of	ADP
cblr-9983	1366	10	the	the	DET
cblr-9983	1366	11	comptroller	comptroller	NOUN
cblr-9983	1366	12	of	of	ADP
cblr-9983	1366	13	the	the	DET
cblr-9983	1366	14	currency	currency	NOUN
cblr-9983	1366	15	.	.	PUNCT
cblr-9983	1367	1	354	354	NUM
cblr-9983	1367	2	columbia	columbia	PROPN
cblr-9983	1367	3	business	business	NOUN
cblr-9983	1367	4	law	law	PROPN
cblr-9983	1367	5	review	review	NOUN
cblr-9983	1367	6	[	[	X
cblr-9983	1367	7	vol	vol	NOUN
cblr-9983	1367	8	.	.	PUNCT
cblr-9983	1367	9	2022	2022	NUM
cblr-9983	1367	10	mandate	mandate	NOUN
cblr-9983	1367	11	,	,	PUNCT
cblr-9983	1367	12	specific	specific	ADJ
cblr-9983	1367	13	practices	practice	NOUN
cblr-9983	1367	14	,	,	PUNCT
cblr-9983	1367	15	it	it	PRON
cblr-9983	1367	16	does	do	AUX
cblr-9983	1367	17	set	set	VERB
cblr-9983	1367	18	forth	forth	ADV
cblr-9983	1367	19	and	and	CCONJ
cblr-9983	1367	20	explain	explain	VERB
cblr-9983	1367	21	three	three	NUM
cblr-9983	1367	22	core	core	ADJ
cblr-9983	1367	23	elements	element	NOUN
cblr-9983	1367	24	of	of	ADP
cblr-9983	1367	25	an	an	DET
cblr-9983	1367	26	effective	effective	ADJ
cblr-9983	1367	27	validation	validation	NOUN
cblr-9983	1367	28	framework	framework	NOUN
cblr-9983	1367	29	.	.	PUNCT
cblr-9983	1368	1	that	that	DET
cblr-9983	1368	2	explanation	explanation	NOUN
cblr-9983	1368	3	refers	refer	VERB
cblr-9983	1368	4	to	to	ADP
cblr-9983	1368	5	a	a	DET
cblr-9983	1368	6	series	series	NOUN
cblr-9983	1368	7	of	of	ADP
cblr-9983	1368	8	processes	process	NOUN
cblr-9983	1368	9	and	and	CCONJ
cblr-9983	1368	10	safeguards	safeguard	NOUN
cblr-9983	1368	11	that	that	SCONJ
cblr-9983	1368	12	banks	bank	NOUN
cblr-9983	1368	13	should	should	AUX
cblr-9983	1368	14	have	have	VERB
cblr-9983	1368	15	in	in	ADP
cblr-9983	1368	16	place	place	NOUN
cblr-9983	1368	17	to	to	PART
cblr-9983	1368	18	manage	manage	VERB
cblr-9983	1368	19	pertinent	pertinent	ADJ
cblr-9983	1368	20	risks	risk	NOUN
cblr-9983	1368	21	properly	properly	ADV
cblr-9983	1368	22	.	.	PUNCT
cblr-9983	1369	1	the	the	DET
cblr-9983	1369	2	text	text	NOUN
cblr-9983	1369	3	includes	include	VERB
cblr-9983	1369	4	hortatory	hortatory	NOUN
cblr-9983	1369	5	,	,	PUNCT
cblr-9983	1369	6	fairly	fairly	ADV
cblr-9983	1369	7	general	general	ADJ
cblr-9983	1369	8	statements	statement	NOUN
cblr-9983	1369	9	,	,	PUNCT
cblr-9983	1369	10	such	such	ADJ
cblr-9983	1369	11	as	as	ADP
cblr-9983	1369	12	“	"	PUNCT
cblr-9983	1369	13	model	model	NOUN
cblr-9983	1369	14	aspects	aspect	NOUN
cblr-9983	1369	15	should	should	AUX
cblr-9983	1369	16	be	be	AUX
cblr-9983	1369	17	subjected	subject	VERB
cblr-9983	1369	18	to	to	ADP
cblr-9983	1369	19	critical	critical	ADJ
cblr-9983	1369	20	analysis	analysis	NOUN
cblr-9983	1369	21	by	by	ADP
cblr-9983	1369	22	both	both	DET
cblr-9983	1369	23	evaluating	evaluate	VERB
cblr-9983	1369	24	the	the	DET
cblr-9983	1369	25	quality	quality	NOUN
cblr-9983	1369	26	and	and	CCONJ
cblr-9983	1369	27	extent	extent	NOUN
cblr-9983	1369	28	of	of	ADP
cblr-9983	1369	29	developmental	developmental	ADJ
cblr-9983	1369	30	evidence	evidence	NOUN
cblr-9983	1369	31	and	and	CCONJ
cblr-9983	1369	32	conducting	conduct	VERB
cblr-9983	1369	33	additional	additional	ADJ
cblr-9983	1369	34	analysis	analysis	NOUN
cblr-9983	1369	35	and	and	CCONJ
cblr-9983	1369	36	testing	testing	NOUN
cblr-9983	1369	37	as	as	ADP
cblr-9983	1369	38	necessary	necessary	ADJ
cblr-9983	1369	39	.	.	PUNCT
cblr-9983	1370	1	”227	”227	PROPN
cblr-9983	1370	2	suppose	suppose	VERB
cblr-9983	1370	3	now	now	ADV
cblr-9983	1370	4	that	that	SCONJ
cblr-9983	1370	5	a	a	DET
cblr-9983	1370	6	state	state	NOUN
cblr-9983	1370	7	member	member	NOUN
cblr-9983	1370	8	bank	bank	PROPN
cblr-9983	1370	9	used	use	VERB
cblr-9983	1370	10	a	a	DET
cblr-9983	1370	11	consulting	consult	VERB
cblr-9983	1370	12	firm	firm	NOUN
cblr-9983	1370	13	to	to	PART
cblr-9983	1370	14	develop	develop	VERB
cblr-9983	1370	15	and	and	CCONJ
cblr-9983	1370	16	update	update	VERB
cblr-9983	1370	17	some	some	PRON
cblr-9983	1370	18	of	of	ADP
cblr-9983	1370	19	the	the	DET
cblr-9983	1370	20	models	model	NOUN
cblr-9983	1370	21	it	it	PRON
cblr-9983	1370	22	uses	use	VERB
cblr-9983	1370	23	for	for	ADP
cblr-9983	1370	24	assessing	assess	VERB
cblr-9983	1370	25	the	the	DET
cblr-9983	1370	26	credit	credit	NOUN
cblr-9983	1370	27	risk	risk	NOUN
cblr-9983	1370	28	associated	associate	VERB
cblr-9983	1370	29	with	with	ADP
cblr-9983	1370	30	its	its	PRON
cblr-9983	1370	31	retail	retail	ADJ
cblr-9983	1370	32	and	and	CCONJ
cblr-9983	1370	33	commercial	commercial	ADJ
cblr-9983	1370	34	lending	lending	NOUN
cblr-9983	1370	35	.	.	PUNCT
cblr-9983	1371	1	in	in	ADP
cblr-9983	1371	2	their	their	PRON
cblr-9983	1371	3	regular	regular	ADJ
cblr-9983	1371	4	monitoring	monitoring	NOUN
cblr-9983	1371	5	and	and	CCONJ
cblr-9983	1371	6	examination	examination	NOUN
cblr-9983	1371	7	of	of	ADP
cblr-9983	1371	8	the	the	DET
cblr-9983	1371	9	bank	bank	NOUN
cblr-9983	1371	10	’s	’s	PART
cblr-9983	1371	11	operations	operation	NOUN
cblr-9983	1371	12	,	,	PUNCT
cblr-9983	1371	13	federal	federal	PROPN
cblr-9983	1371	14	reserve	reserve	PROPN
cblr-9983	1371	15	supervisors	supervisor	NOUN
cblr-9983	1371	16	discovered	discover	VERB
cblr-9983	1371	17	that	that	SCONJ
cblr-9983	1371	18	the	the	DET
cblr-9983	1371	19	bank	bank	NOUN
cblr-9983	1371	20	’s	’s	PART
cblr-9983	1371	21	models	model	NOUN
cblr-9983	1371	22	had	have	AUX
cblr-9983	1371	23	not	not	PART
cblr-9983	1371	24	been	be	AUX
cblr-9983	1371	25	updated	update	VERB
cblr-9983	1371	26	to	to	PART
cblr-9983	1371	27	take	take	VERB
cblr-9983	1371	28	account	account	NOUN
cblr-9983	1371	29	of	of	ADP
cblr-9983	1371	30	relevant	relevant	ADJ
cblr-9983	1371	31	changes	change	NOUN
cblr-9983	1371	32	in	in	ADP
cblr-9983	1371	33	delinquency	delinquency	NOUN
cblr-9983	1371	34	and	and	CCONJ
cblr-9983	1371	35	default	default	NOUN
cblr-9983	1371	36	experience	experience	NOUN
cblr-9983	1371	37	.	.	PUNCT
cblr-9983	1372	1	this	this	DET
cblr-9983	1372	2	failure	failure	NOUN
cblr-9983	1372	3	has	have	AUX
cblr-9983	1372	4	likely	likely	ADV
cblr-9983	1372	5	caused	cause	VERB
cblr-9983	1372	6	the	the	DET
cblr-9983	1372	7	model	model	NOUN
cblr-9983	1372	8	outputs	output	NOUN
cblr-9983	1372	9	to	to	PART
cblr-9983	1372	10	understate	understate	VERB
cblr-9983	1372	11	significantly	significantly	ADV
cblr-9983	1372	12	the	the	DET
cblr-9983	1372	13	bank	bank	NOUN
cblr-9983	1372	14	’s	’s	PART
cblr-9983	1372	15	potential	potential	ADJ
cblr-9983	1372	16	exposure	exposure	NOUN
cblr-9983	1372	17	in	in	ADP
cblr-9983	1372	18	the	the	DET
cblr-9983	1372	19	event	event	NOUN
cblr-9983	1372	20	of	of	ADP
cblr-9983	1372	21	even	even	ADV
cblr-9983	1372	22	a	a	DET
cblr-9983	1372	23	mild	mild	ADJ
cblr-9983	1372	24	recession	recession	NOUN
cblr-9983	1372	25	.	.	PUNCT
cblr-9983	1373	1	upon	upon	SCONJ
cblr-9983	1373	2	further	further	ADJ
cblr-9983	1373	3	investigation	investigation	NOUN
cblr-9983	1373	4	,	,	PUNCT
cblr-9983	1373	5	the	the	DET
cblr-9983	1373	6	supervisors	supervisor	NOUN
cblr-9983	1373	7	found	find	VERB
cblr-9983	1373	8	that	that	SCONJ
cblr-9983	1373	9	bank	bank	NOUN
cblr-9983	1373	10	employees	employee	NOUN
cblr-9983	1373	11	conducted	conduct	VERB
cblr-9983	1373	12	little	little	ADJ
cblr-9983	1373	13	oversight	oversight	NOUN
cblr-9983	1373	14	of	of	ADP
cblr-9983	1373	15	the	the	DET
cblr-9983	1373	16	vendor	vendor	NOUN
cblr-9983	1373	17	’s	’s	PART
cblr-9983	1373	18	maintenance	maintenance	NOUN
cblr-9983	1373	19	of	of	ADP
cblr-9983	1373	20	the	the	DET
cblr-9983	1373	21	model	model	NOUN
cblr-9983	1373	22	.	.	PUNCT
cblr-9983	1374	1	while	while	SCONJ
cblr-9983	1374	2	the	the	DET
cblr-9983	1374	3	bank	bank	NOUN
cblr-9983	1374	4	routinely	routinely	ADV
cblr-9983	1374	5	provided	provide	VERB
cblr-9983	1374	6	the	the	DET
cblr-9983	1374	7	vendor	vendor	NOUN
cblr-9983	1374	8	with	with	ADP
cblr-9983	1374	9	information	information	NOUN
cblr-9983	1374	10	on	on	ADP
cblr-9983	1374	11	the	the	DET
cblr-9983	1374	12	bank	bank	NOUN
cblr-9983	1374	13	’s	’s	PART
cblr-9983	1374	14	credit	credit	NOUN
cblr-9983	1374	15	experience	experience	NOUN
cblr-9983	1374	16	with	with	ADP
cblr-9983	1374	17	the	the	DET
cblr-9983	1374	18	exposures	exposure	NOUN
cblr-9983	1374	19	being	be	AUX
cblr-9983	1374	20	modeled	model	VERB
cblr-9983	1374	21	,	,	PUNCT
cblr-9983	1374	22	employees	employee	NOUN
cblr-9983	1374	23	did	do	AUX
cblr-9983	1374	24	not	not	PART
cblr-9983	1374	25	regularly	regularly	ADV
cblr-9983	1374	26	check	check	VERB
cblr-9983	1374	27	to	to	PART
cblr-9983	1374	28	see	see	VERB
cblr-9983	1374	29	if	if	SCONJ
cblr-9983	1374	30	that	that	DET
cblr-9983	1374	31	information	information	NOUN
cblr-9983	1374	32	had	have	AUX
cblr-9983	1374	33	been	be	AUX
cblr-9983	1374	34	appropriately	appropriately	ADV
cblr-9983	1374	35	incorporated	incorporate	VERB
cblr-9983	1374	36	into	into	ADP
cblr-9983	1374	37	the	the	DET
cblr-9983	1374	38	revised	revise	VERB
cblr-9983	1374	39	model	model	NOUN
cblr-9983	1374	40	code	code	PROPN
cblr-9983	1374	41	.	.	PUNCT
cblr-9983	1375	1	the	the	DET
cblr-9983	1375	2	supervisors	supervisor	NOUN
cblr-9983	1375	3	issued	issue	VERB
cblr-9983	1375	4	an	an	DET
cblr-9983	1375	5	mra	mra	NOUN
cblr-9983	1375	6	criticizing	criticize	VERB
cblr-9983	1375	7	the	the	DET
cblr-9983	1375	8	failure	failure	NOUN
cblr-9983	1375	9	of	of	ADP
cblr-9983	1375	10	the	the	DET
cblr-9983	1375	11	bank	bank	NOUN
cblr-9983	1375	12	to	to	PART
cblr-9983	1375	13	validate	validate	VERB
cblr-9983	1375	14	the	the	DET
cblr-9983	1375	15	model	model	NOUN
cblr-9983	1375	16	in	in	ADP
cblr-9983	1375	17	accordance	accordance	NOUN
cblr-9983	1375	18	with	with	ADP
cblr-9983	1375	19	the	the	DET
cblr-9983	1375	20	expectations	expectation	NOUN
cblr-9983	1375	21	laid	lay	VERB
cblr-9983	1375	22	out	out	ADP
cblr-9983	1375	23	in	in	ADP
cblr-9983	1375	24	the	the	DET
cblr-9983	1375	25	guidance	guidance	NOUN
cblr-9983	1375	26	.	.	PUNCT
cblr-9983	1376	1	in	in	ADP
cblr-9983	1376	2	doing	do	VERB
cblr-9983	1376	3	so	so	ADV
cblr-9983	1376	4	,	,	PUNCT
cblr-9983	1376	5	they	they	PRON
cblr-9983	1376	6	cited	cite	VERB
cblr-9983	1376	7	227	227	NUM
cblr-9983	1377	1	i	i	PRON
cblr-9983	1377	2	d.	d.	PROPN
cblr-9983	1377	3	at	at	ADP
cblr-9983	1377	4	11	11	NUM
cblr-9983	1377	5	.	.	PUNCT
cblr-9983	1378	1	the	the	DET
cblr-9983	1378	2	guidance	guidance	NOUN
cblr-9983	1378	3	continues	continue	VERB
cblr-9983	1378	4	in	in	ADP
cblr-9983	1378	5	a	a	DET
cblr-9983	1378	6	similar	similar	ADJ
cblr-9983	1378	7	vein	vein	NOUN
cblr-9983	1378	8	:	:	PUNCT
cblr-9983	1378	9	comparison	comparison	NOUN
cblr-9983	1378	10	to	to	ADP
cblr-9983	1378	11	alternative	alternative	ADJ
cblr-9983	1378	12	theories	theory	NOUN
cblr-9983	1378	13	and	and	CCONJ
cblr-9983	1378	14	approaches	approach	NOUN
cblr-9983	1378	15	should	should	AUX
cblr-9983	1378	16	be	be	AUX
cblr-9983	1378	17	included	include	VERB
cblr-9983	1378	18	.	.	PUNCT
cblr-9983	1379	1	key	key	ADJ
cblr-9983	1379	2	assumptions	assumption	NOUN
cblr-9983	1379	3	and	and	CCONJ
cblr-9983	1379	4	the	the	DET
cblr-9983	1379	5	choice	choice	NOUN
cblr-9983	1379	6	of	of	ADP
cblr-9983	1379	7	variables	variable	NOUN
cblr-9983	1379	8	should	should	AUX
cblr-9983	1379	9	be	be	AUX
cblr-9983	1379	10	assessed	assess	VERB
cblr-9983	1379	11	,	,	PUNCT
cblr-9983	1379	12	with	with	ADP
cblr-9983	1379	13	analysis	analysis	NOUN
cblr-9983	1379	14	of	of	ADP
cblr-9983	1379	15	their	their	PRON
cblr-9983	1379	16	impact	impact	NOUN
cblr-9983	1379	17	on	on	ADP
cblr-9983	1379	18	model	model	NOUN
cblr-9983	1379	19	outputs	output	NOUN
cblr-9983	1379	20	and	and	CCONJ
cblr-9983	1379	21	particular	particular	ADJ
cblr-9983	1379	22	focus	focus	NOUN
cblr-9983	1379	23	on	on	ADP
cblr-9983	1379	24	any	any	DET
cblr-9983	1379	25	potential	potential	ADJ
cblr-9983	1379	26	limitations	limitation	NOUN
cblr-9983	1379	27	.	.	PUNCT
cblr-9983	1380	1	the	the	DET
cblr-9983	1380	2	relevance	relevance	NOUN
cblr-9983	1380	3	of	of	ADP
cblr-9983	1380	4	the	the	DET
cblr-9983	1380	5	data	datum	NOUN
cblr-9983	1380	6	used	use	VERB
cblr-9983	1380	7	to	to	PART
cblr-9983	1380	8	build	build	VERB
cblr-9983	1380	9	the	the	DET
cblr-9983	1380	10	model	model	NOUN
cblr-9983	1380	11	should	should	AUX
cblr-9983	1380	12	be	be	AUX
cblr-9983	1380	13	evaluated	evaluate	VERB
cblr-9983	1380	14	to	to	PART
cblr-9983	1380	15	ensure	ensure	VERB
cblr-9983	1380	16	that	that	SCONJ
cblr-9983	1380	17	it	it	PRON
cblr-9983	1380	18	is	be	AUX
cblr-9983	1380	19	reasonably	reasonably	ADV
cblr-9983	1380	20	representative	representative	NOUN
cblr-9983	1380	21	of	of	ADP
cblr-9983	1380	22	the	the	DET
cblr-9983	1380	23	bank	bank	NOUN
cblr-9983	1380	24	’s	’s	PART
cblr-9983	1380	25	portfolio	portfolio	NOUN
cblr-9983	1380	26	or	or	CCONJ
cblr-9983	1380	27	market	market	NOUN
cblr-9983	1380	28	conditions	condition	NOUN
cblr-9983	1380	29	,	,	PUNCT
cblr-9983	1380	30	depending	depend	VERB
cblr-9983	1380	31	on	on	ADP
cblr-9983	1380	32	the	the	DET
cblr-9983	1380	33	type	type	NOUN
cblr-9983	1380	34	of	of	ADP
cblr-9983	1380	35	model	model	NOUN
cblr-9983	1380	36	.	.	PUNCT
cblr-9983	1381	1	i	i	PRON
cblr-9983	1381	2	d.	d.	PROPN
cblr-9983	1381	3	no	no	INTJ
cblr-9983	1381	4	.	.	PUNCT
cblr-9983	1382	1	1:279	1:279	NOUN
cblr-9983	1382	2	]	]	X
cblr-9983	1382	3	bank	bank	NOUN
cblr-9983	1382	4	supervision	supervision	NOUN
cblr-9983	1382	5	and	and	CCONJ
cblr-9983	1382	6	administrative	administrative	ADJ
cblr-9983	1382	7	law	law	NOUN
cblr-9983	1382	8	355	355	NUM
cblr-9983	1382	9	to	to	ADP
cblr-9983	1382	10	numerous	numerous	ADJ
cblr-9983	1382	11	parts	part	NOUN
cblr-9983	1382	12	of	of	ADP
cblr-9983	1382	13	the	the	DET
cblr-9983	1382	14	guidance	guidance	NOUN
cblr-9983	1382	15	,	,	PUNCT
cblr-9983	1382	16	including	include	VERB
cblr-9983	1382	17	that	that	SCONJ
cblr-9983	1382	18	“	"	PUNCT
cblr-9983	1382	19	[	[	X
cblr-9983	1382	20	b]anks	b]ank	NOUN
cblr-9983	1382	21	are	be	AUX
cblr-9983	1382	22	expected	expect	VERB
cblr-9983	1382	23	to	to	PART
cblr-9983	1382	24	validate	validate	VERB
cblr-9983	1382	25	their	their	PRON
cblr-9983	1382	26	own	own	ADJ
cblr-9983	1382	27	use	use	NOUN
cblr-9983	1382	28	of	of	ADP
cblr-9983	1382	29	vendor	vendor	NOUN
cblr-9983	1382	30	products	product	NOUN
cblr-9983	1382	31	.	.	PUNCT
cblr-9983	1383	1	”228	”228	VERB
cblr-9983	1384	1	then	then	ADV
cblr-9983	1384	2	,	,	PUNCT
cblr-9983	1384	3	in	in	ADP
cblr-9983	1384	4	their	their	PRON
cblr-9983	1384	5	annual	annual	ADJ
cblr-9983	1384	6	ratings	rating	NOUN
cblr-9983	1384	7	assignment	assignment	NOUN
cblr-9983	1384	8	exercise	exercise	VERB
cblr-9983	1384	9	a	a	DET
cblr-9983	1384	10	few	few	ADJ
cblr-9983	1384	11	months	month	NOUN
cblr-9983	1384	12	later	later	ADV
cblr-9983	1384	13	,	,	PUNCT
cblr-9983	1384	14	supervisors	supervisor	NOUN
cblr-9983	1384	15	downgraded	downgrade	VERB
cblr-9983	1384	16	the	the	DET
cblr-9983	1384	17	management	management	NOUN
cblr-9983	1384	18	and	and	CCONJ
cblr-9983	1384	19	overall	overall	ADJ
cblr-9983	1384	20	ratings	rating	NOUN
cblr-9983	1384	21	of	of	ADP
cblr-9983	1384	22	the	the	DET
cblr-9983	1384	23	bank	bank	NOUN
cblr-9983	1384	24	.	.	PUNCT
cblr-9983	1385	1	as	as	SCONJ
cblr-9983	1385	2	is	be	AUX
cblr-9983	1385	3	customary	customary	ADJ
cblr-9983	1385	4	in	in	ADP
cblr-9983	1385	5	federal	federal	ADJ
cblr-9983	1385	6	reserve	reserve	NOUN
cblr-9983	1385	7	practice	practice	NOUN
cblr-9983	1385	8	,	,	PUNCT
cblr-9983	1385	9	the	the	DET
cblr-9983	1385	10	supervisors	supervisor	NOUN
cblr-9983	1385	11	sent	send	VERB
cblr-9983	1385	12	a	a	DET
cblr-9983	1385	13	letter	letter	NOUN
cblr-9983	1385	14	explaining	explain	VERB
cblr-9983	1385	15	each	each	PRON
cblr-9983	1385	16	of	of	ADP
cblr-9983	1385	17	the	the	DET
cblr-9983	1385	18	component	component	NOUN
cblr-9983	1385	19	ratings	rating	NOUN
cblr-9983	1385	20	.	.	PUNCT
cblr-9983	1386	1	in	in	ADP
cblr-9983	1386	2	explaining	explain	VERB
cblr-9983	1386	3	the	the	DET
cblr-9983	1386	4	management	management	NOUN
cblr-9983	1386	5	downgrade	downgrade	NOUN
cblr-9983	1386	6	,	,	PUNCT
cblr-9983	1386	7	the	the	DET
cblr-9983	1386	8	letter	letter	NOUN
cblr-9983	1386	9	characterized	characterize	VERB
cblr-9983	1386	10	the	the	DET
cblr-9983	1386	11	bank	bank	NOUN
cblr-9983	1386	12	’s	’s	PART
cblr-9983	1386	13	model	model	NOUN
cblr-9983	1386	14	validation	validation	NOUN
cblr-9983	1386	15	process	process	NOUN
cblr-9983	1386	16	as	as	ADP
cblr-9983	1386	17	wholly	wholly	ADV
cblr-9983	1386	18	inadequate	inadequate	ADJ
cblr-9983	1386	19	and	and	CCONJ
cblr-9983	1386	20	its	its	PRON
cblr-9983	1386	21	oversight	oversight	NOUN
cblr-9983	1386	22	of	of	ADP
cblr-9983	1386	23	its	its	PRON
cblr-9983	1386	24	vendor	vendor	NOUN
cblr-9983	1386	25	as	as	ADP
cblr-9983	1386	26	not	not	PART
cblr-9983	1386	27	in	in	ADP
cblr-9983	1386	28	keeping	keep	VERB
cblr-9983	1386	29	with	with	ADP
cblr-9983	1386	30	sound	sound	ADJ
cblr-9983	1386	31	risk	risk	NOUN
cblr-9983	1386	32	management	management	NOUN
cblr-9983	1386	33	principles	principle	NOUN
cblr-9983	1386	34	.	.	PUNCT
cblr-9983	1387	1	while	while	SCONJ
cblr-9983	1387	2	there	there	PRON
cblr-9983	1387	3	was	be	VERB
cblr-9983	1387	4	no	no	DET
cblr-9983	1387	5	mention	mention	NOUN
cblr-9983	1387	6	of	of	ADP
cblr-9983	1387	7	the	the	DET
cblr-9983	1387	8	guidance	guidance	NOUN
cblr-9983	1387	9	document	document	NOUN
cblr-9983	1387	10	,	,	PUNCT
cblr-9983	1387	11	several	several	ADJ
cblr-9983	1387	12	shortcomings	shortcoming	NOUN
cblr-9983	1387	13	identified	identify	VERB
cblr-9983	1387	14	in	in	ADP
cblr-9983	1387	15	the	the	DET
cblr-9983	1387	16	letter	letter	NOUN
cblr-9983	1387	17	paralleled	parallel	VERB
cblr-9983	1387	18	considerations	consideration	NOUN
cblr-9983	1387	19	included	include	VERB
cblr-9983	1387	20	in	in	ADP
cblr-9983	1387	21	that	that	DET
cblr-9983	1387	22	document	document	NOUN
cblr-9983	1387	23	.	.	PUNCT
cblr-9983	1388	1	the	the	DET
cblr-9983	1388	2	letter	letter	NOUN
cblr-9983	1388	3	went	go	VERB
cblr-9983	1388	4	on	on	ADP
cblr-9983	1388	5	to	to	PART
cblr-9983	1388	6	say	say	VERB
cblr-9983	1388	7	that	that	SCONJ
cblr-9983	1388	8	problems	problem	NOUN
cblr-9983	1388	9	with	with	ADP
cblr-9983	1388	10	the	the	DET
cblr-9983	1388	11	bank	bank	NOUN
cblr-9983	1388	12	’s	’s	PART
cblr-9983	1388	13	model	model	NOUN
cblr-9983	1388	14	raised	raise	VERB
cblr-9983	1388	15	significant	significant	ADJ
cblr-9983	1388	16	questions	question	NOUN
cblr-9983	1388	17	about	about	ADP
cblr-9983	1388	18	the	the	DET
cblr-9983	1388	19	bank	bank	NOUN
cblr-9983	1388	20	’s	’s	PART
cblr-9983	1388	21	capacity	capacity	NOUN
cblr-9983	1388	22	to	to	PART
cblr-9983	1388	23	manage	manage	VERB
cblr-9983	1388	24	its	its	PRON
cblr-9983	1388	25	lending	lending	NOUN
cblr-9983	1388	26	in	in	ADP
cblr-9983	1388	27	a	a	DET
cblr-9983	1388	28	safe	safe	ADJ
cblr-9983	1388	29	and	and	CCONJ
cblr-9983	1388	30	sound	sound	ADJ
cblr-9983	1388	31	fashion	fashion	NOUN
cblr-9983	1388	32	.	.	PUNCT
cblr-9983	1389	1	it	it	PRON
cblr-9983	1389	2	further	far	ADV
cblr-9983	1389	3	indicated	indicate	VERB
cblr-9983	1389	4	that	that	SCONJ
cblr-9983	1389	5	supervisors	supervisor	NOUN
cblr-9983	1389	6	had	have	AUX
cblr-9983	1389	7	observed	observe	VERB
cblr-9983	1389	8	little	little	ADJ
cblr-9983	1389	9	progress	progress	NOUN
cblr-9983	1389	10	in	in	ADP
cblr-9983	1389	11	remediation	remediation	NOUN
cblr-9983	1389	12	of	of	ADP
cblr-9983	1389	13	these	these	DET
cblr-9983	1389	14	shortcomings	shortcoming	NOUN
cblr-9983	1389	15	following	follow	VERB
cblr-9983	1389	16	the	the	DET
cblr-9983	1389	17	issuance	issuance	NOUN
cblr-9983	1389	18	of	of	ADP
cblr-9983	1389	19	the	the	DET
cblr-9983	1389	20	mra	mra	NOUN
cblr-9983	1389	21	.	.	PUNCT
cblr-9983	1390	1	how	how	SCONJ
cblr-9983	1390	2	would	would	AUX
cblr-9983	1390	3	this	this	DET
cblr-9983	1390	4	set	set	NOUN
cblr-9983	1390	5	of	of	ADP
cblr-9983	1390	6	actions	action	NOUN
cblr-9983	1390	7	fare	fare	VERB
cblr-9983	1390	8	under	under	ADP
cblr-9983	1390	9	current	current	ADJ
cblr-9983	1390	10	administrative	administrative	ADJ
cblr-9983	1390	11	law	law	NOUN
cblr-9983	1390	12	if	if	SCONJ
cblr-9983	1390	13	reviewed	review	VERB
cblr-9983	1390	14	by	by	ADP
cblr-9983	1390	15	a	a	DET
cblr-9983	1390	16	court	court	NOUN
cblr-9983	1390	17	following	follow	VERB
cblr-9983	1390	18	a	a	DET
cblr-9983	1390	19	challenge	challenge	NOUN
cblr-9983	1390	20	by	by	ADP
cblr-9983	1390	21	the	the	DET
cblr-9983	1390	22	bank	bank	NOUN
cblr-9983	1390	23	?	?	PUNCT
cblr-9983	1391	1	as	as	SCONJ
cblr-9983	1391	2	noted	note	VERB
cblr-9983	1391	3	earlier	early	ADV
cblr-9983	1391	4	,	,	PUNCT
cblr-9983	1391	5	it	it	PRON
cblr-9983	1391	6	is	be	AUX
cblr-9983	1391	7	difficult	difficult	ADJ
cblr-9983	1391	8	to	to	PART
cblr-9983	1391	9	say	say	VERB
cblr-9983	1391	10	with	with	ADP
cblr-9983	1391	11	complete	complete	ADJ
cblr-9983	1391	12	confidence	confidence	NOUN
cblr-9983	1391	13	.	.	PUNCT
cblr-9983	1392	1	to	to	PART
cblr-9983	1392	2	qualify	qualify	VERB
cblr-9983	1392	3	for	for	ADP
cblr-9983	1392	4	the	the	DET
cblr-9983	1392	5	§	§	PROPN
cblr-9983	1392	6	553(b	553(b	PROPN
cblr-9983	1392	7	)	)	PUNCT
cblr-9983	1392	8	exception	exception	NOUN
cblr-9983	1392	9	as	as	ADP
cblr-9983	1392	10	a	a	DET
cblr-9983	1392	11	“	"	PUNCT
cblr-9983	1392	12	general	general	ADJ
cblr-9983	1392	13	statement	statement	NOUN
cblr-9983	1392	14	of	of	ADP
cblr-9983	1392	15	policy	policy	NOUN
cblr-9983	1392	16	,	,	PUNCT
cblr-9983	1392	17	”	"	PUNCT
cblr-9983	1392	18	guidance	guidance	NOUN
cblr-9983	1392	19	may	may	AUX
cblr-9983	1392	20	not	not	PART
cblr-9983	1392	21	be	be	AUX
cblr-9983	1392	22	legally	legally	ADV
cblr-9983	1392	23	binding.229	binding.229	ADJ
cblr-9983	1392	24	as	as	ADP
cblr-9983	1392	25	with	with	ADP
cblr-9983	1392	26	all	all	DET
cblr-9983	1392	27	banking	banking	NOUN
cblr-9983	1392	28	agency	agency	NOUN
cblr-9983	1392	29	guidance	guidance	NOUN
cblr-9983	1392	30	,	,	PUNCT
cblr-9983	1392	31	the	the	DET
cblr-9983	1392	32	supervisory	supervisory	ADJ
cblr-9983	1392	33	guidance	guidance	NOUN
cblr-9983	1392	34	on	on	ADP
cblr-9983	1392	35	model	model	NOUN
cblr-9983	1392	36	risk	risk	NOUN
cblr-9983	1392	37	management	management	NOUN
cblr-9983	1392	38	does	do	AUX
cblr-9983	1392	39	not	not	PART
cblr-9983	1392	40	by	by	ADP
cblr-9983	1392	41	its	its	PRON
cblr-9983	1392	42	terms	term	NOUN
cblr-9983	1392	43	purport	purport	VERB
cblr-9983	1392	44	to	to	PART
cblr-9983	1392	45	be	be	AUX
cblr-9983	1392	46	a	a	DET
cblr-9983	1392	47	legislative	legislative	ADJ
cblr-9983	1392	48	rule	rule	NOUN
cblr-9983	1392	49	changing	change	VERB
cblr-9983	1392	50	legal	legal	ADJ
cblr-9983	1392	51	rights	right	NOUN
cblr-9983	1392	52	or	or	CCONJ
cblr-9983	1392	53	obligations	obligation	NOUN
cblr-9983	1392	54	of	of	ADP
cblr-9983	1392	55	the	the	DET
cblr-9983	1392	56	bank.230	bank.230	PROPN
cblr-9983	1392	57	for	for	ADP
cblr-9983	1392	58	many	many	ADJ
cblr-9983	1392	59	years	year	NOUN
cblr-9983	1392	60	,	,	PUNCT
cblr-9983	1392	61	that	that	DET
cblr-9983	1392	62	fact	fact	NOUN
cblr-9983	1392	63	would	would	AUX
cblr-9983	1392	64	228	228	NUM
cblr-9983	1393	1	i	i	PRON
cblr-9983	1393	2	d.	d.	PROPN
cblr-9983	1393	3	at	at	ADP
cblr-9983	1393	4	16	16	NUM
cblr-9983	1393	5	.	.	PUNCT
cblr-9983	1394	1	229	229	NUM
cblr-9983	1394	2	5	5	NUM
cblr-9983	1394	3	u.s.c	u.s.c	ADJ
cblr-9983	1394	4	.	.	PUNCT
cblr-9983	1395	1	§	§	PROPN
cblr-9983	1395	2	553(b	553(b	PROPN
cblr-9983	1395	3	)	)	PUNCT
cblr-9983	1395	4	(	(	PUNCT
cblr-9983	1395	5	2018	2018	NUM
cblr-9983	1395	6	)	)	PUNCT
cblr-9983	1395	7	.	.	PUNCT
cblr-9983	1396	1	230	230	NUM
cblr-9983	1396	2	see	see	NOUN
cblr-9983	1396	3	pac	pac	PROPN
cblr-9983	1396	4	.	.	PUNCT
cblr-9983	1396	5	gas	gas	PROPN
cblr-9983	1396	6	&	&	CCONJ
cblr-9983	1396	7	elec	elec	PROPN
cblr-9983	1396	8	.	.	PROPN
cblr-9983	1396	9	co.	co.	PROPN
cblr-9983	1397	1	v.	v.	ADP
cblr-9983	1397	2	fed	fed	PROPN
cblr-9983	1397	3	.	.	PUNCT
cblr-9983	1397	4	power	power	NOUN
cblr-9983	1397	5	comm	comm	NOUN
cblr-9983	1397	6	.	.	PUNCT
cblr-9983	1397	7	,	,	PUNCT
cblr-9983	1397	8	506	506	NUM
cblr-9983	1397	9	f.2d	f.2d	NUM
cblr-9983	1397	10	33	33	NUM
cblr-9983	1397	11	,	,	PUNCT
cblr-9983	1397	12	38–39	38–39	NUM
cblr-9983	1397	13	(	(	PUNCT
cblr-9983	1397	14	d.c	d.c	PROPN
cblr-9983	1397	15	.	.	PROPN
cblr-9983	1397	16	cir	cir	PROPN
cblr-9983	1397	17	.	.	PROPN
cblr-9983	1397	18	1974	1974	NUM
cblr-9983	1397	19	)	)	PUNCT
cblr-9983	1397	20	.	.	PUNCT
cblr-9983	1398	1	in	in	ADP
cblr-9983	1398	2	pacific	pacific	PROPN
cblr-9983	1398	3	gas	gas	PROPN
cblr-9983	1398	4	&	&	CCONJ
cblr-9983	1398	5	elec	elec	PROPN
cblr-9983	1398	6	.	.	PROPN
cblr-9983	1398	7	co.	co.	PROPN
cblr-9983	1398	8	,	,	PUNCT
cblr-9983	1398	9	the	the	DET
cblr-9983	1398	10	court	court	NOUN
cblr-9983	1398	11	noted	note	VERB
cblr-9983	1398	12	:	:	PUNCT
cblr-9983	1398	13	the	the	DET
cblr-9983	1398	14	critical	critical	ADJ
cblr-9983	1398	15	distinction	distinction	NOUN
cblr-9983	1398	16	between	between	ADP
cblr-9983	1398	17	a	a	DET
cblr-9983	1398	18	substantive	substantive	ADJ
cblr-9983	1398	19	rule	rule	NOUN
cblr-9983	1398	20	and	and	CCONJ
cblr-9983	1398	21	a	a	DET
cblr-9983	1398	22	general	general	ADJ
cblr-9983	1398	23	statement	statement	NOUN
cblr-9983	1398	24	of	of	ADP
cblr-9983	1398	25	policy	policy	NOUN
cblr-9983	1398	26	is	be	AUX
cblr-9983	1398	27	the	the	DET
cblr-9983	1398	28	different	different	ADJ
cblr-9983	1398	29	practical	practical	ADJ
cblr-9983	1398	30	effect	effect	NOUN
cblr-9983	1398	31	that	that	SCONJ
cblr-9983	1398	32	these	these	DET
cblr-9983	1398	33	two	two	NUM
cblr-9983	1398	34	types	type	NOUN
cblr-9983	1398	35	of	of	ADP
cblr-9983	1398	36	pronouncements	pronouncement	NOUN
cblr-9983	1398	37	have	have	VERB
cblr-9983	1398	38	in	in	ADP
cblr-9983	1398	39	subsequent	subsequent	ADJ
cblr-9983	1398	40	administrative	administrative	ADJ
cblr-9983	1398	41	proceedings	proceeding	NOUN
cblr-9983	1398	42	.	.	PUNCT
cblr-9983	1399	1	a	a	DET
cblr-9983	1399	2	properly	properly	ADV
cblr-9983	1399	3	adopted	adopt	VERB
cblr-9983	1399	4	substantive	substantive	ADJ
cblr-9983	1399	5	rule	rule	NOUN
cblr-9983	1399	6	establishes	establish	VERB
cblr-9983	1399	7	a	a	DET
cblr-9983	1399	8	standard	standard	NOUN
cblr-9983	1399	9	of	of	ADP
cblr-9983	1399	10	conduct	conduct	NOUN
cblr-9983	1399	11	which	which	PRON
cblr-9983	1399	12	has	have	VERB
cblr-9983	1399	13	the	the	DET
cblr-9983	1399	14	force	force	NOUN
cblr-9983	1399	15	of	of	ADP
cblr-9983	1399	16	law	law	NOUN
cblr-9983	1399	17	.	.	PUNCT
cblr-9983	1400	1	in	in	ADP
cblr-9983	1400	2	subsequent	subsequent	ADJ
cblr-9983	1400	3	administrative	administrative	ADJ
cblr-9983	1400	4	proceedings	proceeding	NOUN
cblr-9983	1400	5	involving	involve	VERB
cblr-9983	1400	6	a	a	DET
cblr-9983	1400	7	substantive	substantive	ADJ
cblr-9983	1400	8	rule	rule	NOUN
cblr-9983	1400	9	,	,	PUNCT
cblr-9983	1400	10	the	the	DET
cblr-9983	1400	11	issues	issue	NOUN
cblr-9983	1400	12	are	be	AUX
cblr-9983	1400	13	whether	whether	SCONJ
cblr-9983	1400	14	the	the	DET
cblr-9983	1400	15	adjudicated	adjudicate	VERB
cblr-9983	1400	16	356	356	NUM
cblr-9983	1400	17	columbia	columbia	PROPN
cblr-9983	1400	18	business	business	NOUN
cblr-9983	1400	19	law	law	PROPN
cblr-9983	1400	20	review	review	NOUN
cblr-9983	1400	21	[	[	X
cblr-9983	1400	22	vol	vol	NOUN
cblr-9983	1400	23	.	.	PUNCT
cblr-9983	1400	24	2022	2022	NUM
cblr-9983	1400	25	likely	likely	ADV
cblr-9983	1400	26	have	have	AUX
cblr-9983	1400	27	been	be	AUX
cblr-9983	1400	28	the	the	DET
cblr-9983	1400	29	end	end	NOUN
cblr-9983	1400	30	of	of	ADP
cblr-9983	1400	31	the	the	DET
cblr-9983	1400	32	matter	matter	NOUN
cblr-9983	1400	33	for	for	ADP
cblr-9983	1400	34	analytic	analytic	ADJ
cblr-9983	1400	35	purposes	purpose	NOUN
cblr-9983	1400	36	.	.	PUNCT
cblr-9983	1401	1	in	in	ADP
cblr-9983	1401	2	the	the	DET
cblr-9983	1401	3	last	last	ADJ
cblr-9983	1401	4	couple	couple	NOUN
cblr-9983	1401	5	of	of	ADP
cblr-9983	1401	6	decades	decade	NOUN
cblr-9983	1401	7	,	,	PUNCT
cblr-9983	1401	8	however	however	ADV
cblr-9983	1401	9	,	,	PUNCT
cblr-9983	1401	10	many	many	ADJ
cblr-9983	1401	11	courts	court	NOUN
cblr-9983	1401	12	have	have	AUX
cblr-9983	1401	13	applied	apply	VERB
cblr-9983	1401	14	some	some	DET
cblr-9983	1401	15	version	version	NOUN
cblr-9983	1401	16	of	of	ADP
cblr-9983	1401	17	a	a	DET
cblr-9983	1401	18	“	"	PUNCT
cblr-9983	1401	19	practically	practically	ADV
cblr-9983	1401	20	”	"	PUNCT
cblr-9983	1401	21	binding	bind	VERB
cblr-9983	1401	22	test	test	NOUN
cblr-9983	1401	23	for	for	ADP
cblr-9983	1401	24	determining	determine	VERB
cblr-9983	1401	25	whether	whether	SCONJ
cblr-9983	1401	26	the	the	DET
cblr-9983	1401	27	guidance	guidance	NOUN
cblr-9983	1401	28	needed	need	VERB
cblr-9983	1401	29	to	to	PART
cblr-9983	1401	30	go	go	VERB
cblr-9983	1401	31	through	through	ADP
cblr-9983	1401	32	apa	apa	PROPN
cblr-9983	1401	33	notice	notice	PROPN
cblr-9983	1401	34	-	-	PUNCT
cblr-9983	1401	35	and	and	CCONJ
cblr-9983	1401	36	-	-	PUNCT
cblr-9983	1401	37	comment	comment	NOUN
cblr-9983	1401	38	procedures	procedure	NOUN
cblr-9983	1401	39	for	for	ADP
cblr-9983	1401	40	rulemaking.231	rulemaking.231	NOUN
cblr-9983	1401	41	i	i	PRON
cblr-9983	1401	42	use	use	VERB
cblr-9983	1401	43	the	the	DET
cblr-9983	1401	44	term	term	NOUN
cblr-9983	1401	45	“	"	PUNCT
cblr-9983	1401	46	some	some	DET
cblr-9983	1401	47	version	version	NOUN
cblr-9983	1401	48	”	"	PUNCT
cblr-9983	1401	49	because	because	SCONJ
cblr-9983	1401	50	courts	court	NOUN
cblr-9983	1401	51	do	do	AUX
cblr-9983	1401	52	not	not	PART
cblr-9983	1401	53	consistently	consistently	ADV
cblr-9983	1401	54	articulate	articulate	VERB
cblr-9983	1401	55	a	a	DET
cblr-9983	1401	56	particular	particular	ADJ
cblr-9983	1401	57	statement	statement	NOUN
cblr-9983	1401	58	of	of	ADP
cblr-9983	1401	59	the	the	DET
cblr-9983	1401	60	test	test	NOUN
cblr-9983	1401	61	.	.	PUNCT
cblr-9983	1402	1	so	so	ADV
cblr-9983	1402	2	,	,	PUNCT
cblr-9983	1402	3	for	for	ADP
cblr-9983	1402	4	purposes	purpose	NOUN
cblr-9983	1402	5	of	of	ADP
cblr-9983	1402	6	this	this	DET
cblr-9983	1402	7	illustrative	illustrative	ADJ
cblr-9983	1402	8	hypothetical	hypothetical	NOUN
cblr-9983	1402	9	,	,	PUNCT
cblr-9983	1402	10	i	i	PRON
cblr-9983	1402	11	will	will	AUX
cblr-9983	1402	12	use	use	VERB
cblr-9983	1402	13	two	two	NUM
cblr-9983	1402	14	formulations	formulation	NOUN
cblr-9983	1402	15	that	that	PRON
cblr-9983	1402	16	,	,	PUNCT
cblr-9983	1402	17	while	while	SCONJ
cblr-9983	1402	18	consistent	consistent	ADJ
cblr-9983	1402	19	with	with	ADP
cblr-9983	1402	20	one	one	NUM
cblr-9983	1402	21	another	another	DET
cblr-9983	1402	22	,	,	PUNCT
cblr-9983	1402	23	have	have	VERB
cblr-9983	1402	24	somewhat	somewhat	ADV
cblr-9983	1402	25	different	different	ADJ
cblr-9983	1402	26	emphases	emphasis	NOUN
cblr-9983	1402	27	.	.	PUNCT
cblr-9983	1403	1	in	in	ADP
cblr-9983	1403	2	general	general	ADJ
cblr-9983	1403	3	electric	electric	PROPN
cblr-9983	1403	4	company	company	PROPN
cblr-9983	1403	5	v.	v.	ADP
cblr-9983	1403	6	epa	epa	PROPN
cblr-9983	1403	7	,	,	PUNCT
cblr-9983	1403	8	an	an	DET
cblr-9983	1403	9	oft	oft	ADV
cblr-9983	1403	10	-	-	PUNCT
cblr-9983	1403	11	cited	cite	VERB
cblr-9983	1403	12	2002	2002	NUM
cblr-9983	1403	13	case	case	NOUN
cblr-9983	1403	14	,	,	PUNCT
cblr-9983	1403	15	the	the	DET
cblr-9983	1403	16	d.c	d.c	PROPN
cblr-9983	1403	17	.	.	PROPN
cblr-9983	1403	18	circuit	circuit	PROPN
cblr-9983	1403	19	stated	state	VERB
cblr-9983	1403	20	that	that	SCONJ
cblr-9983	1403	21	“	"	PUNCT
cblr-9983	1403	22	an	an	DET
cblr-9983	1403	23	agency	agency	NOUN
cblr-9983	1403	24	pronouncement	pronouncement	NOUN
cblr-9983	1403	25	will	will	AUX
cblr-9983	1403	26	be	be	AUX
cblr-9983	1403	27	considered	consider	VERB
cblr-9983	1403	28	binding	bind	VERB
cblr-9983	1403	29	as	as	ADP
cblr-9983	1403	30	a	a	DET
cblr-9983	1403	31	practical	practical	ADJ
cblr-9983	1403	32	matter	matter	NOUN
cblr-9983	1403	33	if	if	SCONJ
cblr-9983	1403	34	it	it	PRON
cblr-9983	1403	35	either	either	CCONJ
cblr-9983	1403	36	appears	appear	VERB
cblr-9983	1403	37	on	on	ADP
cblr-9983	1403	38	its	its	PRON
cblr-9983	1403	39	face	face	NOUN
cblr-9983	1403	40	to	to	PART
cblr-9983	1403	41	be	be	AUX
cblr-9983	1403	42	binding	bind	VERB
cblr-9983	1403	43	or	or	CCONJ
cblr-9983	1403	44	is	be	AUX
cblr-9983	1403	45	applied	apply	VERB
cblr-9983	1403	46	by	by	ADP
cblr-9983	1403	47	the	the	DET
cblr-9983	1403	48	agency	agency	NOUN
cblr-9983	1403	49	in	in	ADP
cblr-9983	1403	50	a	a	DET
cblr-9983	1403	51	way	way	NOUN
cblr-9983	1403	52	that	that	PRON
cblr-9983	1403	53	indicates	indicate	VERB
cblr-9983	1403	54	it	it	PRON
cblr-9983	1403	55	is	be	AUX
cblr-9983	1403	56	binding	bind	VERB
cblr-9983	1403	57	.	.	PUNCT
cblr-9983	1404	1	”232	”232	PROPN
cblr-9983	1405	1	more	more	ADV
cblr-9983	1405	2	recently	recently	ADV
cblr-9983	1405	3	the	the	DET
cblr-9983	1405	4	fifth	fifth	ADJ
cblr-9983	1405	5	circuit	circuit	NOUN
cblr-9983	1405	6	stated	state	VERB
cblr-9983	1405	7	the	the	DET
cblr-9983	1405	8	test	test	NOUN
cblr-9983	1405	9	somewhat	somewhat	ADV
cblr-9983	1405	10	differently	differently	ADV
cblr-9983	1405	11	,	,	PUNCT
cblr-9983	1405	12	even	even	ADV
cblr-9983	1405	13	as	as	SCONJ
cblr-9983	1405	14	it	it	PRON
cblr-9983	1405	15	quoted	quote	VERB
cblr-9983	1405	16	general	general	PROPN
cblr-9983	1405	17	electric	electric	ADJ
cblr-9983	1405	18	in	in	ADP
cblr-9983	1405	19	elaborating	elaborate	VERB
cblr-9983	1405	20	its	its	PRON
cblr-9983	1405	21	approach	approach	NOUN
cblr-9983	1405	22	:	:	PUNCT
cblr-9983	1405	23	“	"	PUNCT
cblr-9983	1405	24	we	we	PRON
cblr-9983	1405	25	evaluate	evaluate	VERB
cblr-9983	1405	26	two	two	NUM
cblr-9983	1405	27	facts	fact	NOUN
cblr-9983	1405	28	conform	conform	VERB
cblr-9983	1405	29	to	to	ADP
cblr-9983	1405	30	the	the	DET
cblr-9983	1405	31	rule	rule	NOUN
cblr-9983	1405	32	and	and	CCONJ
cblr-9983	1405	33	whether	whether	SCONJ
cblr-9983	1405	34	the	the	DET
cblr-9983	1405	35	rule	rule	NOUN
cblr-9983	1405	36	should	should	AUX
cblr-9983	1405	37	be	be	AUX
cblr-9983	1405	38	waived	waive	VERB
cblr-9983	1405	39	or	or	CCONJ
cblr-9983	1405	40	applied	apply	VERB
cblr-9983	1405	41	in	in	ADP
cblr-9983	1405	42	that	that	DET
cblr-9983	1405	43	particular	particular	ADJ
cblr-9983	1405	44	instance	instance	NOUN
cblr-9983	1405	45	.	.	PUNCT
cblr-9983	1406	1	the	the	DET
cblr-9983	1406	2	underlying	underlie	VERB
cblr-9983	1406	3	policy	policy	NOUN
cblr-9983	1406	4	embodied	embody	VERB
cblr-9983	1406	5	in	in	ADP
cblr-9983	1406	6	the	the	DET
cblr-9983	1406	7	rule	rule	NOUN
cblr-9983	1406	8	is	be	AUX
cblr-9983	1406	9	not	not	PART
cblr-9983	1406	10	generally	generally	ADV
cblr-9983	1406	11	subject	subject	ADJ
cblr-9983	1406	12	to	to	ADP
cblr-9983	1406	13	challenge	challenge	NOUN
cblr-9983	1406	14	before	before	ADP
cblr-9983	1406	15	the	the	DET
cblr-9983	1406	16	agency	agency	NOUN
cblr-9983	1406	17	.	.	PUNCT
cblr-9983	1407	1	a	a	DET
cblr-9983	1407	2	general	general	ADJ
cblr-9983	1407	3	statement	statement	NOUN
cblr-9983	1407	4	of	of	ADP
cblr-9983	1407	5	policy	policy	NOUN
cblr-9983	1407	6	,	,	PUNCT
cblr-9983	1407	7	on	on	ADP
cblr-9983	1407	8	the	the	DET
cblr-9983	1407	9	other	other	ADJ
cblr-9983	1407	10	hand	hand	NOUN
cblr-9983	1407	11	,	,	PUNCT
cblr-9983	1407	12	does	do	AUX
cblr-9983	1407	13	not	not	PART
cblr-9983	1407	14	establish	establish	VERB
cblr-9983	1407	15	a	a	DET
cblr-9983	1407	16	‘	'	PUNCT
cblr-9983	1407	17	binding	binding	ADJ
cblr-9983	1407	18	norm	norm	NOUN
cblr-9983	1407	19	.	.	PUNCT
cblr-9983	1407	20	’	'	PUNCT
cblr-9983	1408	1	it	it	PRON
cblr-9983	1408	2	is	be	AUX
cblr-9983	1408	3	not	not	PART
cblr-9983	1408	4	finally	finally	ADV
cblr-9983	1408	5	determinative	determinative	ADJ
cblr-9983	1408	6	of	of	ADP
cblr-9983	1408	7	the	the	DET
cblr-9983	1408	8	issues	issue	NOUN
cblr-9983	1408	9	or	or	CCONJ
cblr-9983	1408	10	rights	right	NOUN
cblr-9983	1408	11	to	to	PART
cblr-9983	1408	12	which	which	PRON
cblr-9983	1408	13	it	it	PRON
cblr-9983	1408	14	is	be	AUX
cblr-9983	1408	15	addressed	address	VERB
cblr-9983	1408	16	.	.	PUNCT
cblr-9983	1409	1	the	the	DET
cblr-9983	1409	2	agency	agency	NOUN
cblr-9983	1409	3	can	can	AUX
cblr-9983	1409	4	not	not	PART
cblr-9983	1409	5	apply	apply	VERB
cblr-9983	1409	6	or	or	CCONJ
cblr-9983	1409	7	rely	rely	VERB
cblr-9983	1409	8	upon	upon	SCONJ
cblr-9983	1409	9	a	a	DET
cblr-9983	1409	10	general	general	ADJ
cblr-9983	1409	11	statement	statement	NOUN
cblr-9983	1409	12	of	of	ADP
cblr-9983	1409	13	policy	policy	NOUN
cblr-9983	1409	14	as	as	ADP
cblr-9983	1409	15	law	law	NOUN
cblr-9983	1409	16	because	because	SCONJ
cblr-9983	1409	17	a	a	DET
cblr-9983	1409	18	general	general	ADJ
cblr-9983	1409	19	statement	statement	NOUN
cblr-9983	1409	20	of	of	ADP
cblr-9983	1409	21	policy	policy	NOUN
cblr-9983	1409	22	only	only	ADV
cblr-9983	1409	23	announces	announce	VERB
cblr-9983	1409	24	what	what	PRON
cblr-9983	1409	25	the	the	DET
cblr-9983	1409	26	agency	agency	NOUN
cblr-9983	1409	27	seeks	seek	VERB
cblr-9983	1409	28	to	to	PART
cblr-9983	1409	29	establish	establish	VERB
cblr-9983	1409	30	as	as	ADP
cblr-9983	1409	31	policy	policy	NOUN
cblr-9983	1409	32	.	.	PUNCT
cblr-9983	1410	1	a	a	DET
cblr-9983	1410	2	policy	policy	NOUN
cblr-9983	1410	3	statement	statement	NOUN
cblr-9983	1410	4	announces	announce	VERB
cblr-9983	1410	5	the	the	DET
cblr-9983	1410	6	agency	agency	NOUN
cblr-9983	1410	7	’s	’s	PART
cblr-9983	1410	8	tentative	tentative	ADJ
cblr-9983	1410	9	intentions	intention	NOUN
cblr-9983	1410	10	for	for	ADP
cblr-9983	1410	11	the	the	DET
cblr-9983	1410	12	future	future	NOUN
cblr-9983	1410	13	.	.	PUNCT
cblr-9983	1411	1	when	when	SCONJ
cblr-9983	1411	2	the	the	DET
cblr-9983	1411	3	agency	agency	NOUN
cblr-9983	1411	4	applies	apply	VERB
cblr-9983	1411	5	the	the	DET
cblr-9983	1411	6	policy	policy	NOUN
cblr-9983	1411	7	in	in	ADP
cblr-9983	1411	8	a	a	DET
cblr-9983	1411	9	particular	particular	ADJ
cblr-9983	1411	10	situation	situation	NOUN
cblr-9983	1411	11	,	,	PUNCT
cblr-9983	1411	12	it	it	PRON
cblr-9983	1411	13	must	must	AUX
cblr-9983	1411	14	be	be	AUX
cblr-9983	1411	15	prepared	prepare	VERB
cblr-9983	1411	16	to	to	PART
cblr-9983	1411	17	support	support	VERB
cblr-9983	1411	18	the	the	DET
cblr-9983	1411	19	policy	policy	NOUN
cblr-9983	1411	20	just	just	ADV
cblr-9983	1411	21	as	as	SCONJ
cblr-9983	1411	22	if	if	SCONJ
cblr-9983	1411	23	the	the	DET
cblr-9983	1411	24	policy	policy	NOUN
cblr-9983	1411	25	statement	statement	NOUN
cblr-9983	1411	26	had	have	AUX
cblr-9983	1411	27	never	never	ADV
cblr-9983	1411	28	been	be	AUX
cblr-9983	1411	29	issued	issue	VERB
cblr-9983	1411	30	.	.	PUNCT
cblr-9983	1412	1	an	an	DET
cblr-9983	1412	2	agency	agency	NOUN
cblr-9983	1412	3	can	can	AUX
cblr-9983	1412	4	not	not	PART
cblr-9983	1412	5	escape	escape	VERB
cblr-9983	1412	6	its	its	PRON
cblr-9983	1412	7	responsibility	responsibility	NOUN
cblr-9983	1412	8	to	to	PART
cblr-9983	1412	9	present	present	VERB
cblr-9983	1412	10	evidence	evidence	NOUN
cblr-9983	1412	11	and	and	CCONJ
cblr-9983	1412	12	reasoning	reasoning	NOUN
cblr-9983	1412	13	supporting	support	VERB
cblr-9983	1412	14	its	its	PRON
cblr-9983	1412	15	substantive	substantive	ADJ
cblr-9983	1412	16	rules	rule	NOUN
cblr-9983	1412	17	by	by	ADP
cblr-9983	1412	18	announcing	announce	VERB
cblr-9983	1412	19	binding	bind	VERB
cblr-9983	1412	20	precedent	precedent	NOUN
cblr-9983	1412	21	in	in	ADP
cblr-9983	1412	22	the	the	DET
cblr-9983	1412	23	form	form	NOUN
cblr-9983	1412	24	of	of	ADP
cblr-9983	1412	25	a	a	DET
cblr-9983	1412	26	general	general	ADJ
cblr-9983	1412	27	statement	statement	NOUN
cblr-9983	1412	28	of	of	ADP
cblr-9983	1412	29	policy	policy	NOUN
cblr-9983	1412	30	.	.	PUNCT
cblr-9983	1413	1	i	i	PRON
cblr-9983	1413	2	d.	d.	PROPN
cblr-9983	1413	3	(	(	PUNCT
cblr-9983	1413	4	internal	internal	ADJ
cblr-9983	1413	5	footnotes	footnote	NOUN
cblr-9983	1413	6	and	and	CCONJ
cblr-9983	1413	7	quotations	quotation	NOUN
cblr-9983	1413	8	marks	mark	NOUN
cblr-9983	1413	9	omitted	omit	VERB
cblr-9983	1413	10	)	)	PUNCT
cblr-9983	1413	11	.	.	PUNCT
cblr-9983	1414	1	231	231	NUM
cblr-9983	1414	2	for	for	ADP
cblr-9983	1414	3	a	a	DET
cblr-9983	1414	4	summary	summary	NOUN
cblr-9983	1414	5	and	and	CCONJ
cblr-9983	1414	6	critique	critique	NOUN
cblr-9983	1414	7	of	of	ADP
cblr-9983	1414	8	this	this	DET
cblr-9983	1414	9	line	line	NOUN
cblr-9983	1414	10	of	of	ADP
cblr-9983	1414	11	cases	case	NOUN
cblr-9983	1414	12	,	,	PUNCT
cblr-9983	1414	13	see	see	VERB
cblr-9983	1414	14	cass	cass	PROPN
cblr-9983	1414	15	r.	r.	PROPN
cblr-9983	1414	16	sunstein	sunstein	PROPN
cblr-9983	1414	17	,	,	PUNCT
cblr-9983	1414	18	“	"	PUNCT
cblr-9983	1414	19	practically	practically	ADV
cblr-9983	1414	20	binding	binding	ADJ
cblr-9983	1414	21	”	"	PUNCT
cblr-9983	1414	22	:	:	PUNCT
cblr-9983	1414	23	general	general	ADJ
cblr-9983	1414	24	policy	policy	NOUN
cblr-9983	1414	25	statements	statement	NOUN
cblr-9983	1414	26	and	and	CCONJ
cblr-9983	1414	27	notice	notice	NOUN
cblr-9983	1414	28	-	-	PUNCT
cblr-9983	1414	29	andcomment	andcomment	NOUN
cblr-9983	1414	30	rulemaking	rulemaking	NOUN
cblr-9983	1414	31	,	,	PUNCT
cblr-9983	1414	32	68	68	NUM
cblr-9983	1414	33	admin	admin	ADJ
cblr-9983	1414	34	.	.	PUNCT
cblr-9983	1415	1	l.	l.	PROPN
cblr-9983	1415	2	rev	rev	PROPN
cblr-9983	1415	3	.	.	PROPN
cblr-9983	1415	4	491	491	NUM
cblr-9983	1415	5	(	(	PUNCT
cblr-9983	1415	6	2016	2016	NUM
cblr-9983	1415	7	)	)	PUNCT
cblr-9983	1415	8	.	.	PUNCT
cblr-9983	1416	1	232	232	NUM
cblr-9983	1416	2	gen	gen	PROPN
cblr-9983	1416	3	.	.	PROPN
cblr-9983	1416	4	elec	elec	PROPN
cblr-9983	1416	5	.	.	PROPN
cblr-9983	1416	6	co.	co.	PROPN
cblr-9983	1416	7	v.	v.	ADP
cblr-9983	1416	8	epa	epa	PROPN
cblr-9983	1416	9	,	,	PUNCT
cblr-9983	1416	10	290	290	NUM
cblr-9983	1416	11	f.3d	f.3d	NUM
cblr-9983	1416	12	377	377	NUM
cblr-9983	1416	13	,	,	PUNCT
cblr-9983	1416	14	382	382	NUM
cblr-9983	1416	15	(	(	PUNCT
cblr-9983	1416	16	d.c	d.c	PROPN
cblr-9983	1416	17	.	.	PROPN
cblr-9983	1416	18	cir	cir	PROPN
cblr-9983	1416	19	.	.	PROPN
cblr-9983	1416	20	2002	2002	NUM
cblr-9983	1416	21	)	)	PUNCT
cblr-9983	1417	1	(	(	PUNCT
cblr-9983	1417	2	citations	citation	NOUN
cblr-9983	1417	3	omitted	omit	VERB
cblr-9983	1417	4	)	)	PUNCT
cblr-9983	1417	5	.	.	PUNCT
cblr-9983	1418	1	no	no	INTJ
cblr-9983	1418	2	.	.	PUNCT
cblr-9983	1419	1	1:279	1:279	NOUN
cblr-9983	1419	2	]	]	X
cblr-9983	1419	3	bank	bank	NOUN
cblr-9983	1419	4	supervision	supervision	NOUN
cblr-9983	1419	5	and	and	CCONJ
cblr-9983	1419	6	administrative	administrative	ADJ
cblr-9983	1419	7	law	law	NOUN
cblr-9983	1419	8	357	357	NUM
cblr-9983	1419	9	criteria	criterion	NOUN
cblr-9983	1419	10	to	to	PART
cblr-9983	1419	11	distinguish	distinguish	VERB
cblr-9983	1419	12	policy	policy	NOUN
cblr-9983	1419	13	statements	statement	NOUN
cblr-9983	1419	14	from	from	ADP
cblr-9983	1419	15	substantive	substantive	ADJ
cblr-9983	1419	16	rules	rule	NOUN
cblr-9983	1419	17	:	:	PUNCT
cblr-9983	1419	18	whether	whether	SCONJ
cblr-9983	1419	19	the	the	DET
cblr-9983	1419	20	rule	rule	NOUN
cblr-9983	1419	21	(	(	PUNCT
cblr-9983	1419	22	1	1	NUM
cblr-9983	1419	23	)	)	PUNCT
cblr-9983	1419	24	impose[s	impose[s	PROPN
cblr-9983	1419	25	]	]	X
cblr-9983	1419	26	any	any	DET
cblr-9983	1419	27	rights	right	NOUN
cblr-9983	1419	28	and	and	CCONJ
cblr-9983	1419	29	obligations	obligation	NOUN
cblr-9983	1419	30	and	and	CCONJ
cblr-9983	1419	31	(	(	PUNCT
cblr-9983	1419	32	2	2	X
cblr-9983	1419	33	)	)	PUNCT
cblr-9983	1419	34	genuinely	genuinely	ADV
cblr-9983	1419	35	leaves	leave	VERB
cblr-9983	1419	36	the	the	DET
cblr-9983	1419	37	agency	agency	NOUN
cblr-9983	1419	38	and	and	CCONJ
cblr-9983	1419	39	its	its	PRON
cblr-9983	1419	40	decision	decision	NOUN
cblr-9983	1419	41	-	-	PUNCT
cblr-9983	1419	42	makers	maker	NOUN
cblr-9983	1419	43	free	free	ADJ
cblr-9983	1419	44	to	to	PART
cblr-9983	1419	45	exercise	exercise	VERB
cblr-9983	1419	46	discretion.233	discretion.233	NOUN
cblr-9983	1419	47	although	although	SCONJ
cblr-9983	1419	48	the	the	DET
cblr-9983	1419	49	fifth	fifth	ADJ
cblr-9983	1419	50	circuit	circuit	NOUN
cblr-9983	1419	51	quoted	quote	VERB
cblr-9983	1419	52	the	the	DET
cblr-9983	1419	53	general	general	ADJ
cblr-9983	1419	54	electric	electric	ADJ
cblr-9983	1419	55	formulation	formulation	NOUN
cblr-9983	1419	56	in	in	ADP
cblr-9983	1419	57	explaining	explain	VERB
cblr-9983	1419	58	its	its	PRON
cblr-9983	1419	59	second	second	ADJ
cblr-9983	1419	60	criterion	criterion	NOUN
cblr-9983	1419	61	,	,	PUNCT
cblr-9983	1419	62	it	it	PRON
cblr-9983	1419	63	followed	follow	VERB
cblr-9983	1419	64	its	its	PRON
cblr-9983	1419	65	own	own	ADJ
cblr-9983	1419	66	statement	statement	NOUN
cblr-9983	1419	67	of	of	ADP
cblr-9983	1419	68	the	the	DET
cblr-9983	1419	69	test	test	NOUN
cblr-9983	1419	70	in	in	ADP
cblr-9983	1419	71	focusing	focus	VERB
cblr-9983	1419	72	more	more	ADV
cblr-9983	1419	73	on	on	ADP
cblr-9983	1419	74	the	the	DET
cblr-9983	1419	75	degree	degree	NOUN
cblr-9983	1419	76	to	to	PART
cblr-9983	1419	77	which	which	PRON
cblr-9983	1419	78	the	the	DET
cblr-9983	1419	79	agency	agency	NOUN
cblr-9983	1419	80	statement	statement	NOUN
cblr-9983	1419	81	was	be	AUX
cblr-9983	1419	82	“	"	PUNCT
cblr-9983	1419	83	practically	practically	ADV
cblr-9983	1419	84	binding	binding	ADJ
cblr-9983	1419	85	”	"	PUNCT
cblr-9983	1419	86	on	on	ADP
cblr-9983	1419	87	agency	agency	NOUN
cblr-9983	1419	88	personnel	personnel	NOUN
cblr-9983	1419	89	,	,	PUNCT
cblr-9983	1419	90	as	as	SCONJ
cblr-9983	1419	91	opposed	oppose	VERB
cblr-9983	1419	92	to	to	ADP
cblr-9983	1419	93	the	the	DET
cblr-9983	1419	94	private	private	ADJ
cblr-9983	1419	95	actors	actor	NOUN
cblr-9983	1419	96	being	be	AUX
cblr-9983	1419	97	regulated	regulate	VERB
cblr-9983	1419	98	.	.	PUNCT
cblr-9983	1420	1	both	both	DET
cblr-9983	1420	2	kinds	kind	NOUN
cblr-9983	1420	3	of	of	ADP
cblr-9983	1420	4	“	"	PUNCT
cblr-9983	1420	5	practically	practically	ADV
cblr-9983	1420	6	binding	binding	ADJ
cblr-9983	1420	7	”	"	PUNCT
cblr-9983	1420	8	analysis	analysis	NOUN
cblr-9983	1420	9	may	may	AUX
cblr-9983	1420	10	be	be	AUX
cblr-9983	1420	11	found	find	VERB
cblr-9983	1420	12	in	in	ADP
cblr-9983	1420	13	the	the	DET
cblr-9983	1420	14	caselaw	caselaw	NOUN
cblr-9983	1420	15	.	.	PUNCT
cblr-9983	1421	1	it	it	PRON
cblr-9983	1421	2	is	be	AUX
cblr-9983	1421	3	not	not	PART
cblr-9983	1421	4	always	always	ADV
cblr-9983	1421	5	clear	clear	ADJ
cblr-9983	1421	6	whether	whether	SCONJ
cblr-9983	1421	7	the	the	DET
cblr-9983	1421	8	different	different	ADJ
cblr-9983	1421	9	emphases	emphasis	NOUN
cblr-9983	1421	10	reflect	reflect	VERB
cblr-9983	1421	11	different	different	ADJ
cblr-9983	1421	12	understandings	understanding	NOUN
cblr-9983	1421	13	of	of	ADP
cblr-9983	1421	14	the	the	DET
cblr-9983	1421	15	test	test	NOUN
cblr-9983	1421	16	or	or	CCONJ
cblr-9983	1421	17	simply	simply	ADV
cblr-9983	1421	18	the	the	DET
cblr-9983	1421	19	greater	great	ADJ
cblr-9983	1421	20	relevance	relevance	NOUN
cblr-9983	1421	21	of	of	ADP
cblr-9983	1421	22	one	one	NUM
cblr-9983	1421	23	or	or	CCONJ
cblr-9983	1421	24	the	the	DET
cblr-9983	1421	25	other	other	ADJ
cblr-9983	1421	26	to	to	ADP
cblr-9983	1421	27	the	the	DET
cblr-9983	1421	28	facts	fact	NOUN
cblr-9983	1421	29	in	in	ADP
cblr-9983	1421	30	each	each	DET
cblr-9983	1421	31	case	case	NOUN
cblr-9983	1421	32	.	.	PUNCT
cblr-9983	1422	1	here	here	ADV
cblr-9983	1422	2	,	,	PUNCT
cblr-9983	1422	3	the	the	DET
cblr-9983	1422	4	bank	bank	NOUN
cblr-9983	1422	5	would	would	AUX
cblr-9983	1422	6	argue	argue	VERB
cblr-9983	1422	7	that	that	SCONJ
cblr-9983	1422	8	the	the	DET
cblr-9983	1422	9	“	"	PUNCT
cblr-9983	1422	10	guidance	guidance	NOUN
cblr-9983	1422	11	”	"	PUNCT
cblr-9983	1422	12	establishes	establish	VERB
cblr-9983	1422	13	rule	rule	NOUN
cblr-9983	1422	14	-	-	PUNCT
cblr-9983	1422	15	like	like	ADJ
cblr-9983	1422	16	requirements	requirement	NOUN
cblr-9983	1422	17	for	for	ADP
cblr-9983	1422	18	model	model	NOUN
cblr-9983	1422	19	management	management	NOUN
cblr-9983	1422	20	and	and	CCONJ
cblr-9983	1422	21	validation	validation	NOUN
cblr-9983	1422	22	.	.	PUNCT
cblr-9983	1423	1	it	it	PRON
cblr-9983	1423	2	could	could	AUX
cblr-9983	1423	3	point	point	VERB
cblr-9983	1423	4	to	to	ADP
cblr-9983	1423	5	the	the	DET
cblr-9983	1423	6	comprehensiveness	comprehensiveness	NOUN
cblr-9983	1423	7	of	of	ADP
cblr-9983	1423	8	the	the	DET
cblr-9983	1423	9	guidance	guidance	NOUN
cblr-9983	1423	10	and	and	CCONJ
cblr-9983	1423	11	to	to	ADP
cblr-9983	1423	12	its	its	PRON
cblr-9983	1423	13	assertion	assertion	NOUN
cblr-9983	1423	14	that	that	SCONJ
cblr-9983	1423	15	“	"	PUNCT
cblr-9983	1423	16	all	all	DET
cblr-9983	1423	17	banks	bank	NOUN
cblr-9983	1423	18	should	should	AUX
cblr-9983	1423	19	confirm	confirm	VERB
cblr-9983	1423	20	that	that	SCONJ
cblr-9983	1423	21	their	their	PRON
cblr-9983	1423	22	practices	practice	NOUN
cblr-9983	1423	23	conform	conform	VERB
cblr-9983	1423	24	to	to	ADP
cblr-9983	1423	25	the	the	DET
cblr-9983	1423	26	principles	principle	NOUN
cblr-9983	1423	27	in	in	ADP
cblr-9983	1423	28	this	this	DET
cblr-9983	1423	29	guidance	guidance	NOUN
cblr-9983	1423	30	for	for	ADP
cblr-9983	1423	31	model	model	NOUN
cblr-9983	1423	32	development	development	NOUN
cblr-9983	1423	33	,	,	PUNCT
cblr-9983	1423	34	implementation	implementation	NOUN
cblr-9983	1423	35	,	,	PUNCT
cblr-9983	1423	36	and	and	CCONJ
cblr-9983	1423	37	use	use	NOUN
cblr-9983	1423	38	,	,	PUNCT
cblr-9983	1423	39	as	as	ADV
cblr-9983	1423	40	well	well	ADV
cblr-9983	1423	41	as	as	ADP
cblr-9983	1423	42	model	model	NOUN
cblr-9983	1423	43	validation	validation	NOUN
cblr-9983	1423	44	.	.	PUNCT
cblr-9983	1424	1	”234	”234	VERB
cblr-9983	1424	2	the	the	DET
cblr-9983	1424	3	detail	detail	NOUN
cblr-9983	1424	4	in	in	ADP
cblr-9983	1424	5	the	the	DET
cblr-9983	1424	6	rest	rest	NOUN
cblr-9983	1424	7	of	of	ADP
cblr-9983	1424	8	the	the	DET
cblr-9983	1424	9	guidance	guidance	NOUN
cblr-9983	1424	10	document	document	NOUN
cblr-9983	1424	11	is	be	AUX
cblr-9983	1424	12	not	not	PART
cblr-9983	1424	13	,	,	PUNCT
cblr-9983	1424	14	the	the	DET
cblr-9983	1424	15	bank	bank	NOUN
cblr-9983	1424	16	would	would	AUX
cblr-9983	1424	17	argue	argue	VERB
cblr-9983	1424	18	,	,	PUNCT
cblr-9983	1424	19	a	a	DET
cblr-9983	1424	20	mere	mere	ADJ
cblr-9983	1424	21	statement	statement	NOUN
cblr-9983	1424	22	of	of	ADP
cblr-9983	1424	23	enforcement	enforcement	NOUN
cblr-9983	1424	24	priorities	priority	NOUN
cblr-9983	1424	25	or	or	CCONJ
cblr-9983	1424	26	an	an	DET
cblr-9983	1424	27	indication	indication	NOUN
cblr-9983	1424	28	of	of	ADP
cblr-9983	1424	29	a	a	DET
cblr-9983	1424	30	regulatory	regulatory	ADJ
cblr-9983	1424	31	approach	approach	NOUN
cblr-9983	1424	32	the	the	DET
cblr-9983	1424	33	agencies	agency	NOUN
cblr-9983	1424	34	intend	intend	VERB
cblr-9983	1424	35	to	to	PART
cblr-9983	1424	36	develop	develop	VERB
cblr-9983	1424	37	in	in	ADP
cblr-9983	1424	38	the	the	DET
cblr-9983	1424	39	future	future	NOUN
cblr-9983	1424	40	.	.	PUNCT
cblr-9983	1425	1	in	in	ADP
cblr-9983	1425	2	the	the	DET
cblr-9983	1425	3	words	word	NOUN
cblr-9983	1425	4	of	of	ADP
cblr-9983	1425	5	the	the	DET
cblr-9983	1425	6	d.c	d.c	PROPN
cblr-9983	1425	7	.	.	PROPN
cblr-9983	1425	8	circuit	circuit	PROPN
cblr-9983	1425	9	decision	decision	NOUN
cblr-9983	1425	10	finding	find	VERB
cblr-9983	1425	11	an	an	DET
cblr-9983	1425	12	epa	epa	NOUN
cblr-9983	1425	13	“	"	PUNCT
cblr-9983	1425	14	guidance	guidance	NOUN
cblr-9983	1425	15	”	"	PUNCT
cblr-9983	1425	16	document	document	NOUN
cblr-9983	1425	17	to	to	PART
cblr-9983	1425	18	have	have	AUX
cblr-9983	1425	19	required	require	VERB
cblr-9983	1425	20	notice	notice	NOUN
cblr-9983	1425	21	-	-	PUNCT
cblr-9983	1425	22	and	and	CCONJ
cblr-9983	1425	23	-	-	PUNCT
cblr-9983	1425	24	comment	comment	NOUN
cblr-9983	1425	25	rulemaking	rulemaking	NOUN
cblr-9983	1425	26	,	,	PUNCT
cblr-9983	1425	27	“	"	PUNCT
cblr-9983	1425	28	[	[	X
cblr-9983	1425	29	i]t	i]t	NOUN
cblr-9983	1425	30	commands	command	VERB
cblr-9983	1425	31	,	,	PUNCT
cblr-9983	1425	32	it	it	PRON
cblr-9983	1425	33	requires	require	VERB
cblr-9983	1425	34	,	,	PUNCT
cblr-9983	1425	35	it	it	PRON
cblr-9983	1425	36	orders	order	VERB
cblr-9983	1425	37	,	,	PUNCT
cblr-9983	1425	38	it	it	PRON
cblr-9983	1425	39	dictates	dictate	VERB
cblr-9983	1425	40	.	.	PUNCT
cblr-9983	1426	1	”235	”235	PUNCT
cblr-9983	1426	2	banks	bank	NOUN
cblr-9983	1426	3	are	be	AUX
cblr-9983	1426	4	instructed	instruct	VERB
cblr-9983	1426	5	to	to	PART
cblr-9983	1426	6	establish	establish	VERB
cblr-9983	1426	7	and	and	CCONJ
cblr-9983	1426	8	maintain	maintain	VERB
cblr-9983	1426	9	practices	practice	NOUN
cblr-9983	1426	10	to	to	PART
cblr-9983	1426	11	meet	meet	VERB
cblr-9983	1426	12	the	the	DET
cblr-9983	1426	13	expectations	expectation	NOUN
cblr-9983	1426	14	of	of	ADP
cblr-9983	1426	15	the	the	DET
cblr-9983	1426	16	guidance	guidance	NOUN
cblr-9983	1426	17	,	,	PUNCT
cblr-9983	1426	18	and	and	CCONJ
cblr-9983	1426	19	supervisors	supervisor	NOUN
cblr-9983	1426	20	are	be	AUX
cblr-9983	1426	21	instructed	instruct	VERB
cblr-9983	1426	22	to	to	PART
cblr-9983	1426	23	be	be	AUX
cblr-9983	1426	24	sure	sure	ADJ
cblr-9983	1426	25	they	they	PRON
cblr-9983	1426	26	do	do	VERB
cblr-9983	1426	27	.	.	PUNCT
cblr-9983	1427	1	the	the	DET
cblr-9983	1427	2	federal	federal	PROPN
cblr-9983	1427	3	reserve	reserve	PROPN
cblr-9983	1427	4	could	could	AUX
cblr-9983	1427	5	respond	respond	VERB
cblr-9983	1427	6	that	that	SCONJ
cblr-9983	1427	7	its	its	PRON
cblr-9983	1427	8	guidance	guidance	NOUN
cblr-9983	1427	9	document	document	NOUN
cblr-9983	1427	10	was	be	AUX
cblr-9983	1427	11	meant	mean	VERB
cblr-9983	1427	12	primarily	primarily	ADV
cblr-9983	1427	13	to	to	PART
cblr-9983	1427	14	educate	educate	VERB
cblr-9983	1427	15	both	both	DET
cblr-9983	1427	16	supervisors	supervisor	NOUN
cblr-9983	1427	17	and	and	CCONJ
cblr-9983	1427	18	banks	bank	NOUN
cblr-9983	1427	19	as	as	ADP
cblr-9983	1427	20	to	to	ADP
cblr-9983	1427	21	the	the	DET
cblr-9983	1427	22	problems	problem	NOUN
cblr-9983	1427	23	associated	associate	VERB
cblr-9983	1427	24	with	with	ADP
cblr-9983	1427	25	risk	risk	NOUN
cblr-9983	1427	26	modeling	modeling	NOUN
cblr-9983	1427	27	.	.	PUNCT
cblr-9983	1428	1	233	233	NUM
cblr-9983	1428	2	texas	texas	PROPN
cblr-9983	1428	3	v.	v.	PROPN
cblr-9983	1428	4	united	united	PROPN
cblr-9983	1428	5	states	states	PROPN
cblr-9983	1428	6	,	,	PUNCT
cblr-9983	1428	7	809	809	NUM
cblr-9983	1428	8	f.3d	f.3d	NUM
cblr-9983	1428	9	134	134	NUM
cblr-9983	1428	10	,	,	PUNCT
cblr-9983	1428	11	171	171	NUM
cblr-9983	1428	12	(	(	PUNCT
cblr-9983	1428	13	5th	5th	ADJ
cblr-9983	1428	14	cir	cir	NOUN
cblr-9983	1428	15	.	.	PROPN
cblr-9983	1428	16	2015	2015	NUM
cblr-9983	1428	17	)	)	PUNCT
cblr-9983	1428	18	,	,	PUNCT
cblr-9983	1428	19	aff’d	aff’d	VERB
cblr-9983	1428	20	per	per	ADP
cblr-9983	1428	21	curiam	curiam	PROPN
cblr-9983	1428	22	mem	mem	PROPN
cblr-9983	1428	23	.	.	PUNCT
cblr-9983	1428	24	by	by	ADP
cblr-9983	1428	25	equally	equally	ADV
cblr-9983	1428	26	divided	divide	VERB
cblr-9983	1428	27	court	court	NOUN
cblr-9983	1428	28	,	,	PUNCT
cblr-9983	1428	29	579	579	NUM
cblr-9983	1428	30	u.s	u.s	PROPN
cblr-9983	1428	31	.	.	PROPN
cblr-9983	1428	32	547	547	NUM
cblr-9983	1428	33	(	(	PUNCT
cblr-9983	1428	34	2016	2016	NUM
cblr-9983	1428	35	)	)	PUNCT
cblr-9983	1428	36	(	(	PUNCT
cblr-9983	1428	37	internal	internal	ADJ
cblr-9983	1428	38	quotation	quotation	NOUN
cblr-9983	1428	39	marks	mark	NOUN
cblr-9983	1428	40	omitted	omit	VERB
cblr-9983	1428	41	)	)	PUNCT
cblr-9983	1428	42	(	(	PUNCT
cblr-9983	1428	43	quoting	quote	VERB
cblr-9983	1428	44	profl	profl	PROPN
cblr-9983	1428	45	’s	’s	NOUN
cblr-9983	1428	46	&	&	CCONJ
cblr-9983	1428	47	patients	patient	NOUN
cblr-9983	1428	48	for	for	ADP
cblr-9983	1428	49	customized	customized	ADJ
cblr-9983	1428	50	care	care	NOUN
cblr-9983	1428	51	v.	v.	ADP
cblr-9983	1428	52	shalala	shalala	PROPN
cblr-9983	1428	53	56	56	NUM
cblr-9983	1428	54	f.3d	f.3d	NUM
cblr-9983	1428	55	592	592	NUM
cblr-9983	1428	56	,	,	PUNCT
cblr-9983	1428	57	595	595	NUM
cblr-9983	1428	58	(	(	PUNCT
cblr-9983	1428	59	5th	5th	ADJ
cblr-9983	1428	60	cir	cir	NOUN
cblr-9983	1428	61	.	.	PROPN
cblr-9983	1428	62	1995	1995	NUM
cblr-9983	1428	63	)	)	PUNCT
cblr-9983	1428	64	)	)	PUNCT
cblr-9983	1428	65	.	.	PUNCT
cblr-9983	1429	1	234	234	NUM
cblr-9983	1429	2	model	model	NOUN
cblr-9983	1429	3	risk	risk	NOUN
cblr-9983	1429	4	guidance	guidance	NOUN
cblr-9983	1429	5	,	,	PUNCT
cblr-9983	1429	6	supra	supra	PROPN
cblr-9983	1429	7	note	note	PROPN
cblr-9983	1429	8	226	226	NUM
cblr-9983	1429	9	,	,	PUNCT
cblr-9983	1429	10	at	at	ADP
cblr-9983	1429	11	21	21	NUM
cblr-9983	1429	12	.	.	PUNCT
cblr-9983	1429	13	235	235	NUM
cblr-9983	1429	14	appalachian	appalachian	PROPN
cblr-9983	1429	15	power	power	PROPN
cblr-9983	1429	16	co.	co.	PROPN
cblr-9983	1429	17	v.	v.	ADP
cblr-9983	1429	18	epa	epa	PROPN
cblr-9983	1429	19	,	,	PUNCT
cblr-9983	1429	20	208	208	NUM
cblr-9983	1429	21	f.3d	f.3d	NUM
cblr-9983	1429	22	1015	1015	NUM
cblr-9983	1429	23	,	,	PUNCT
cblr-9983	1429	24	1023	1023	NUM
cblr-9983	1429	25	(	(	PUNCT
cblr-9983	1429	26	d.c	d.c	PROPN
cblr-9983	1429	27	.	.	PROPN
cblr-9983	1429	28	cir	cir	PROPN
cblr-9983	1429	29	.	.	PROPN
cblr-9983	1429	30	2000	2000	NUM
cblr-9983	1429	31	)	)	PUNCT
cblr-9983	1429	32	.	.	PUNCT
cblr-9983	1430	1	358	358	NUM
cblr-9983	1430	2	columbia	columbia	PROPN
cblr-9983	1430	3	business	business	NOUN
cblr-9983	1430	4	law	law	PROPN
cblr-9983	1430	5	review	review	NOUN
cblr-9983	1430	6	[	[	X
cblr-9983	1430	7	vol	vol	NOUN
cblr-9983	1430	8	.	.	PUNCT
cblr-9983	1430	9	2022	2022	NUM
cblr-9983	1430	10	while	while	SCONJ
cblr-9983	1430	11	the	the	DET
cblr-9983	1430	12	document	document	NOUN
cblr-9983	1430	13	speaks	speak	VERB
cblr-9983	1430	14	in	in	ADP
cblr-9983	1430	15	places	place	NOUN
cblr-9983	1430	16	about	about	ADP
cblr-9983	1430	17	what	what	PRON
cblr-9983	1430	18	banks	bank	NOUN
cblr-9983	1430	19	“	"	PUNCT
cblr-9983	1430	20	should	should	AUX
cblr-9983	1430	21	”	"	PUNCT
cblr-9983	1430	22	do,236	do,236	VERB
cblr-9983	1430	23	those	those	PRON
cblr-9983	1430	24	are	be	AUX
cblr-9983	1430	25	hortatory	hortatory	ADJ
cblr-9983	1430	26	statements	statement	NOUN
cblr-9983	1430	27	principally	principally	ADV
cblr-9983	1430	28	illustrating	illustrate	VERB
cblr-9983	1430	29	the	the	DET
cblr-9983	1430	30	need	need	NOUN
cblr-9983	1430	31	for	for	SCONJ
cblr-9983	1430	32	banks	bank	NOUN
cblr-9983	1430	33	to	to	PART
cblr-9983	1430	34	take	take	VERB
cblr-9983	1430	35	account	account	NOUN
cblr-9983	1430	36	of	of	ADP
cblr-9983	1430	37	risks	risk	NOUN
cblr-9983	1430	38	associated	associate	VERB
cblr-9983	1430	39	with	with	ADP
cblr-9983	1430	40	modeling	modeling	NOUN
cblr-9983	1430	41	.	.	PUNCT
cblr-9983	1431	1	that	that	DET
cblr-9983	1431	2	language	language	NOUN
cblr-9983	1431	3	contrasts	contrast	VERB
cblr-9983	1431	4	with	with	ADP
cblr-9983	1431	5	legally	legally	ADV
cblr-9983	1431	6	binding	bind	VERB
cblr-9983	1431	7	regulations	regulation	NOUN
cblr-9983	1431	8	,	,	PUNCT
cblr-9983	1431	9	which	which	PRON
cblr-9983	1431	10	generally	generally	ADV
cblr-9983	1431	11	use	use	VERB
cblr-9983	1431	12	the	the	DET
cblr-9983	1431	13	verbs	verbs	PROPN
cblr-9983	1431	14	“	"	PUNCT
cblr-9983	1431	15	shall	shall	AUX
cblr-9983	1431	16	”	"	PUNCT
cblr-9983	1431	17	or	or	CCONJ
cblr-9983	1431	18	“	"	PUNCT
cblr-9983	1431	19	must	must	AUX
cblr-9983	1431	20	,	,	PUNCT
cblr-9983	1431	21	”	"	PUNCT
cblr-9983	1431	22	rather	rather	ADV
cblr-9983	1431	23	than	than	ADP
cblr-9983	1431	24	“	"	PUNCT
cblr-9983	1431	25	should	should	AUX
cblr-9983	1431	26	.	.	PUNCT
cblr-9983	1431	27	”237	”237	PUNCT
cblr-9983	1432	1	furthermore	furthermore	ADV
cblr-9983	1432	2	,	,	PUNCT
cblr-9983	1432	3	the	the	DET
cblr-9983	1432	4	guidance	guidance	NOUN
cblr-9983	1432	5	does	do	AUX
cblr-9983	1432	6	not	not	PART
cblr-9983	1432	7	prescribe	prescribe	VERB
cblr-9983	1432	8	specific	specific	ADJ
cblr-9983	1432	9	protocols	protocol	NOUN
cblr-9983	1432	10	or	or	CCONJ
cblr-9983	1432	11	practices	practice	NOUN
cblr-9983	1432	12	for	for	ADP
cblr-9983	1432	13	banks	bank	NOUN
cblr-9983	1432	14	.	.	PUNCT
cblr-9983	1433	1	while	while	SCONJ
cblr-9983	1433	2	the	the	DET
cblr-9983	1433	3	document	document	NOUN
cblr-9983	1433	4	describes	describe	VERB
cblr-9983	1433	5	the	the	DET
cblr-9983	1433	6	considerations	consideration	NOUN
cblr-9983	1433	7	and	and	CCONJ
cblr-9983	1433	8	experience	experience	NOUN
cblr-9983	1433	9	that	that	PRON
cblr-9983	1433	10	will	will	AUX
cblr-9983	1433	11	inform	inform	VERB
cblr-9983	1433	12	supervisory	supervisory	ADJ
cblr-9983	1433	13	assessment	assessment	NOUN
cblr-9983	1433	14	of	of	ADP
cblr-9983	1433	15	any	any	DET
cblr-9983	1433	16	specific	specific	ADJ
cblr-9983	1433	17	bank	bank	NOUN
cblr-9983	1433	18	,	,	PUNCT
cblr-9983	1433	19	it	it	PRON
cblr-9983	1433	20	does	do	AUX
cblr-9983	1433	21	not	not	PART
cblr-9983	1433	22	provide	provide	VERB
cblr-9983	1433	23	a	a	DET
cblr-9983	1433	24	rule	rule	NOUN
cblr-9983	1433	25	-	-	PUNCT
cblr-9983	1433	26	like	like	ADJ
cblr-9983	1433	27	basis	basis	NOUN
cblr-9983	1433	28	for	for	ADP
cblr-9983	1433	29	determining	determine	VERB
cblr-9983	1433	30	whether	whether	SCONJ
cblr-9983	1433	31	the	the	DET
cblr-9983	1433	32	bank	bank	NOUN
cblr-9983	1433	33	’s	’s	PART
cblr-9983	1433	34	approach	approach	NOUN
cblr-9983	1433	35	is	be	AUX
cblr-9983	1433	36	consistent	consistent	ADJ
cblr-9983	1433	37	with	with	ADP
cblr-9983	1433	38	its	its	PRON
cblr-9983	1433	39	safe	safe	ADJ
cblr-9983	1433	40	and	and	CCONJ
cblr-9983	1433	41	sound	sound	ADJ
cblr-9983	1433	42	operation	operation	NOUN
cblr-9983	1433	43	.	.	PUNCT
cblr-9983	1434	1	indeed	indeed	ADV
cblr-9983	1434	2	,	,	PUNCT
cblr-9983	1434	3	the	the	DET
cblr-9983	1434	4	federal	federal	PROPN
cblr-9983	1434	5	reserve	reserve	PROPN
cblr-9983	1434	6	could	could	AUX
cblr-9983	1434	7	counter	counter	VERB
cblr-9983	1434	8	the	the	DET
cblr-9983	1434	9	above	above	ADV
cblr-9983	1434	10	-	-	PUNCT
cblr-9983	1434	11	quoted	quote	VERB
cblr-9983	1434	12	language	language	NOUN
cblr-9983	1434	13	that	that	PRON
cblr-9983	1434	14	the	the	DET
cblr-9983	1434	15	bank	bank	NOUN
cblr-9983	1434	16	might	might	AUX
cblr-9983	1434	17	argue	argue	VERB
cblr-9983	1434	18	is	be	AUX
cblr-9983	1434	19	rule	rule	NOUN
cblr-9983	1434	20	-	-	PUNCT
cblr-9983	1434	21	like	like	ADJ
cblr-9983	1434	22	by	by	ADP
cblr-9983	1434	23	noting	note	VERB
cblr-9983	1434	24	the	the	DET
cblr-9983	1434	25	language	language	NOUN
cblr-9983	1434	26	that	that	PRON
cblr-9983	1434	27	immediately	immediately	ADV
cblr-9983	1434	28	follows	follow	VERB
cblr-9983	1434	29	:	:	PUNCT
cblr-9983	1434	30	“	"	PUNCT
cblr-9983	1434	31	details	detail	NOUN
cblr-9983	1434	32	of	of	ADP
cblr-9983	1434	33	model	model	NOUN
cblr-9983	1434	34	risk	risk	NOUN
cblr-9983	1434	35	management	management	NOUN
cblr-9983	1434	36	practices	practice	NOUN
cblr-9983	1434	37	may	may	AUX
cblr-9983	1434	38	vary	vary	VERB
cblr-9983	1434	39	from	from	ADP
cblr-9983	1434	40	bank	bank	PROPN
cblr-9983	1434	41	to	to	ADP
cblr-9983	1434	42	bank	bank	NOUN
cblr-9983	1434	43	,	,	PUNCT
cblr-9983	1434	44	as	as	SCONJ
cblr-9983	1434	45	practical	practical	ADJ
cblr-9983	1434	46	application	application	NOUN
cblr-9983	1434	47	of	of	ADP
cblr-9983	1434	48	this	this	DET
cblr-9983	1434	49	guidance	guidance	NOUN
cblr-9983	1434	50	should	should	AUX
cblr-9983	1434	51	be	be	AUX
cblr-9983	1434	52	commensurate	commensurate	ADJ
cblr-9983	1434	53	with	with	ADP
cblr-9983	1434	54	a	a	DET
cblr-9983	1434	55	bank	bank	NOUN
cblr-9983	1434	56	’s	’s	PART
cblr-9983	1434	57	risk	risk	NOUN
cblr-9983	1434	58	exposures	exposure	NOUN
cblr-9983	1434	59	,	,	PUNCT
cblr-9983	1434	60	its	its	PRON
cblr-9983	1434	61	business	business	NOUN
cblr-9983	1434	62	activities	activity	NOUN
cblr-9983	1434	63	,	,	PUNCT
cblr-9983	1434	64	and	and	CCONJ
cblr-9983	1434	65	the	the	DET
cblr-9983	1434	66	extent	extent	NOUN
cblr-9983	1434	67	and	and	CCONJ
cblr-9983	1434	68	complexity	complexity	NOUN
cblr-9983	1434	69	of	of	ADP
cblr-9983	1434	70	its	its	PRON
cblr-9983	1434	71	model	model	NOUN
cblr-9983	1434	72	use	use	NOUN
cblr-9983	1434	73	.	.	PUNCT
cblr-9983	1435	1	”238	”238	PROPN
cblr-9983	1435	2	thus	thus	ADV
cblr-9983	1435	3	,	,	PUNCT
cblr-9983	1435	4	the	the	DET
cblr-9983	1435	5	federal	federal	PROPN
cblr-9983	1435	6	reserve	reserve	PROPN
cblr-9983	1435	7	could	could	AUX
cblr-9983	1435	8	argue	argue	VERB
cblr-9983	1435	9	,	,	PUNCT
cblr-9983	1435	10	the	the	DET
cblr-9983	1435	11	guidance	guidance	NOUN
cblr-9983	1435	12	is	be	AUX
cblr-9983	1435	13	only	only	ADV
cblr-9983	1435	14	the	the	DET
cblr-9983	1435	15	starting	starting	NOUN
cblr-9983	1435	16	point	point	NOUN
cblr-9983	1435	17	for	for	ADP
cblr-9983	1435	18	the	the	DET
cblr-9983	1435	19	supervisory	supervisory	ADJ
cblr-9983	1435	20	analysis	analysis	NOUN
cblr-9983	1435	21	that	that	PRON
cblr-9983	1435	22	follows	follow	VERB
cblr-9983	1435	23	.	.	PUNCT
cblr-9983	1436	1	whatever	whatever	DET
cblr-9983	1436	2	formulation	formulation	NOUN
cblr-9983	1436	3	of	of	ADP
cblr-9983	1436	4	the	the	DET
cblr-9983	1436	5	test	test	NOUN
cblr-9983	1436	6	they	they	PRON
cblr-9983	1436	7	choose	choose	VERB
cblr-9983	1436	8	,	,	PUNCT
cblr-9983	1436	9	most	most	ADJ
cblr-9983	1436	10	courts	court	NOUN
cblr-9983	1436	11	end	end	VERB
cblr-9983	1436	12	up	up	ADP
cblr-9983	1436	13	assessing	assess	VERB
cblr-9983	1436	14	agency	agency	NOUN
cblr-9983	1436	15	action	action	NOUN
cblr-9983	1436	16	other	other	ADJ
cblr-9983	1436	17	than	than	ADP
cblr-9983	1436	18	the	the	DET
cblr-9983	1436	19	“	"	PUNCT
cblr-9983	1436	20	guidance	guidance	NOUN
cblr-9983	1436	21	”	"	PUNCT
cblr-9983	1436	22	statement	statement	NOUN
cblr-9983	1436	23	that	that	PRON
cblr-9983	1436	24	is	be	AUX
cblr-9983	1436	25	directly	directly	ADV
cblr-9983	1436	26	at	at	ADP
cblr-9983	1436	27	issue	issue	NOUN
cblr-9983	1436	28	,	,	PUNCT
cblr-9983	1436	29	because	because	SCONJ
cblr-9983	1436	30	it	it	PRON
cblr-9983	1436	31	is	be	AUX
cblr-9983	1436	32	often	often	ADV
cblr-9983	1436	33	through	through	ADP
cblr-9983	1436	34	these	these	DET
cblr-9983	1436	35	other	other	ADJ
cblr-9983	1436	36	actions	action	NOUN
cblr-9983	1436	37	that	that	PRON
cblr-9983	1436	38	the	the	DET
cblr-9983	1436	39	practically	practically	ADV
cblr-9983	1436	40	binding	binding	ADJ
cblr-9983	1436	41	effect	effect	NOUN
cblr-9983	1436	42	of	of	ADP
cblr-9983	1436	43	a	a	DET
cblr-9983	1436	44	legally	legally	ADV
cblr-9983	1436	45	non	non	ADJ
cblr-9983	1436	46	-	-	ADJ
cblr-9983	1436	47	binding	binding	ADJ
cblr-9983	1436	48	statement	statement	NOUN
cblr-9983	1436	49	becomes	become	VERB
cblr-9983	1436	50	apparent	apparent	ADJ
cblr-9983	1436	51	.	.	PUNCT
cblr-9983	1437	1	here	here	ADV
cblr-9983	1437	2	the	the	DET
cblr-9983	1437	3	236	236	NUM
cblr-9983	1437	4	e.g.	e.g.	NOUN
cblr-9983	1437	5	,	,	PUNCT
cblr-9983	1437	6	model	model	NOUN
cblr-9983	1437	7	risk	risk	NOUN
cblr-9983	1437	8	guidance	guidance	NOUN
cblr-9983	1437	9	,	,	PUNCT
cblr-9983	1437	10	supra	supra	PROPN
cblr-9983	1437	11	note	note	PROPN
cblr-9983	1437	12	226	226	NUM
cblr-9983	1437	13	,	,	PUNCT
cblr-9983	1437	14	at	at	ADP
cblr-9983	1437	15	16	16	NUM
cblr-9983	1437	16	(	(	PUNCT
cblr-9983	1437	17	“	"	PUNCT
cblr-9983	1437	18	banks	bank	NOUN
cblr-9983	1437	19	should	should	AUX
cblr-9983	1437	20	require	require	VERB
cblr-9983	1437	21	the	the	DET
cblr-9983	1437	22	vendor	vendor	NOUN
cblr-9983	1437	23	to	to	PART
cblr-9983	1437	24	provide	provide	VERB
cblr-9983	1437	25	developmental	developmental	ADJ
cblr-9983	1437	26	evidence	evidence	NOUN
cblr-9983	1437	27	explaining	explain	VERB
cblr-9983	1437	28	the	the	DET
cblr-9983	1437	29	product	product	NOUN
cblr-9983	1437	30	components	component	NOUN
cblr-9983	1437	31	,	,	PUNCT
cblr-9983	1437	32	design	design	NOUN
cblr-9983	1437	33	,	,	PUNCT
cblr-9983	1437	34	and	and	CCONJ
cblr-9983	1437	35	intended	intend	VERB
cblr-9983	1437	36	use	use	NOUN
cblr-9983	1437	37	,	,	PUNCT
cblr-9983	1437	38	to	to	PART
cblr-9983	1437	39	determine	determine	VERB
cblr-9983	1437	40	whether	whether	SCONJ
cblr-9983	1437	41	the	the	DET
cblr-9983	1437	42	model	model	NOUN
cblr-9983	1437	43	is	be	AUX
cblr-9983	1437	44	appropriate	appropriate	ADJ
cblr-9983	1437	45	for	for	ADP
cblr-9983	1437	46	the	the	DET
cblr-9983	1437	47	bank	bank	NOUN
cblr-9983	1437	48	’s	’s	PART
cblr-9983	1437	49	products	product	NOUN
cblr-9983	1437	50	,	,	PUNCT
cblr-9983	1437	51	exposures	exposure	NOUN
cblr-9983	1437	52	,	,	PUNCT
cblr-9983	1437	53	and	and	CCONJ
cblr-9983	1437	54	risks	risk	NOUN
cblr-9983	1437	55	.	.	PUNCT
cblr-9983	1437	56	”	"	PUNCT
cblr-9983	1438	1	(	(	PUNCT
cblr-9983	1438	2	emphasis	emphasis	NOUN
cblr-9983	1438	3	added	add	VERB
cblr-9983	1438	4	)	)	PUNCT
cblr-9983	1438	5	)	)	PUNCT
cblr-9983	1438	6	.	.	PUNCT
cblr-9983	1439	1	237	237	NUM
cblr-9983	1439	2	courts	court	NOUN
cblr-9983	1439	3	may	may	AUX
cblr-9983	1439	4	place	place	VERB
cblr-9983	1439	5	considerable	considerable	ADJ
cblr-9983	1439	6	weight	weight	NOUN
cblr-9983	1439	7	on	on	ADP
cblr-9983	1439	8	an	an	DET
cblr-9983	1439	9	agency	agency	NOUN
cblr-9983	1439	10	’s	’s	PART
cblr-9983	1439	11	choice	choice	NOUN
cblr-9983	1439	12	between	between	ADP
cblr-9983	1439	13	clearly	clearly	ADV
cblr-9983	1439	14	imperative	imperative	ADJ
cblr-9983	1439	15	,	,	PUNCT
cblr-9983	1439	16	or	or	CCONJ
cblr-9983	1439	17	more	more	ADV
cblr-9983	1439	18	qualified	qualified	ADJ
cblr-9983	1439	19	,	,	PUNCT
cblr-9983	1439	20	language	language	NOUN
cblr-9983	1439	21	.	.	PUNCT
cblr-9983	1440	1	compare	compare	VERB
cblr-9983	1440	2	appalachian	appalachian	PROPN
cblr-9983	1440	3	power	power	PROPN
cblr-9983	1440	4	co.	co.	PROPN
cblr-9983	1440	5	,	,	PUNCT
cblr-9983	1440	6	208	208	NUM
cblr-9983	1440	7	f.3d	f.3d	NUM
cblr-9983	1440	8	at	at	ADP
cblr-9983	1440	9	1023	1023	NUM
cblr-9983	1440	10	(	(	PUNCT
cblr-9983	1440	11	“	"	PUNCT
cblr-9983	1440	12	[	[	X
cblr-9983	1440	13	t]he	t]he	ADV
cblr-9983	1440	14	entire	entire	ADJ
cblr-9983	1440	15	guidance	guidance	NOUN
cblr-9983	1440	16	,	,	PUNCT
cblr-9983	1440	17	from	from	ADP
cblr-9983	1440	18	beginning	begin	VERB
cblr-9983	1440	19	to	to	ADP
cblr-9983	1440	20	end	end	NOUN
cblr-9983	1440	21	—	—	PUNCT
cblr-9983	1440	22	except	except	SCONJ
cblr-9983	1440	23	the	the	DET
cblr-9983	1440	24	last	last	ADJ
cblr-9983	1440	25	paragraph	paragraph	NOUN
cblr-9983	1440	26	—	—	PUNCT
cblr-9983	1440	27	reads	read	NOUN
cblr-9983	1440	28	like	like	ADP
cblr-9983	1440	29	a	a	DET
cblr-9983	1440	30	ukase	ukase	NOUN
cblr-9983	1440	31	.	.	PUNCT
cblr-9983	1440	32	”	"	PUNCT
cblr-9983	1440	33	)	)	PUNCT
cblr-9983	1440	34	with	with	ADP
cblr-9983	1440	35	ctr	ctr	PROPN
cblr-9983	1440	36	.	.	PUNCT
cblr-9983	1441	1	for	for	ADP
cblr-9983	1441	2	auto	auto	NOUN
cblr-9983	1441	3	safety	safety	NOUN
cblr-9983	1441	4	v.	v.	ADP
cblr-9983	1441	5	nat’l	nat’l	PROPN
cblr-9983	1441	6	highway	highway	NOUN
cblr-9983	1441	7	traffic	traffic	NOUN
cblr-9983	1441	8	safety	safety	NOUN
cblr-9983	1441	9	admin	admin	PROPN
cblr-9983	1441	10	.	.	PUNCT
cblr-9983	1441	11	,	,	PUNCT
cblr-9983	1441	12	452	452	NUM
cblr-9983	1441	13	f.3d	f.3d	NUM
cblr-9983	1441	14	798	798	NUM
cblr-9983	1441	15	,	,	PUNCT
cblr-9983	1441	16	809	809	NUM
cblr-9983	1441	17	(	(	PUNCT
cblr-9983	1441	18	d.c	d.c	PROPN
cblr-9983	1441	19	.	.	PROPN
cblr-9983	1441	20	cir	cir	PROPN
cblr-9983	1441	21	.	.	PROPN
cblr-9983	1441	22	2006	2006	NUM
cblr-9983	1441	23	)	)	PUNCT
cblr-9983	1441	24	(	(	PUNCT
cblr-9983	1441	25	pointing	point	VERB
cblr-9983	1441	26	out	out	ADP
cblr-9983	1441	27	agency	agency	NOUN
cblr-9983	1441	28	’s	’s	PART
cblr-9983	1441	29	use	use	NOUN
cblr-9983	1441	30	of	of	ADP
cblr-9983	1441	31	terms	term	NOUN
cblr-9983	1441	32	such	such	ADJ
cblr-9983	1441	33	as	as	ADP
cblr-9983	1441	34	“	"	PUNCT
cblr-9983	1441	35	in	in	ADP
cblr-9983	1441	36	general	general	ADJ
cblr-9983	1441	37	”	"	PUNCT
cblr-9983	1441	38	and	and	CCONJ
cblr-9983	1441	39	“	"	PUNCT
cblr-9983	1441	40	would	would	AUX
cblr-9983	1441	41	not	not	PART
cblr-9983	1441	42	normally	normally	ADV
cblr-9983	1441	43	”	"	PUNCT
cblr-9983	1441	44	in	in	ADP
cblr-9983	1441	45	finding	find	VERB
cblr-9983	1441	46	agency	agency	NOUN
cblr-9983	1441	47	communication	communication	NOUN
cblr-9983	1441	48	not	not	PART
cblr-9983	1441	49	required	require	VERB
cblr-9983	1441	50	to	to	PART
cblr-9983	1441	51	be	be	AUX
cblr-9983	1441	52	issued	issue	VERB
cblr-9983	1441	53	through	through	ADP
cblr-9983	1441	54	notice	notice	NOUN
cblr-9983	1441	55	-	-	PUNCT
cblr-9983	1441	56	and	and	CCONJ
cblr-9983	1441	57	-	-	PUNCT
cblr-9983	1441	58	comment	comment	NOUN
cblr-9983	1441	59	procedures	procedure	NOUN
cblr-9983	1441	60	)	)	PUNCT
cblr-9983	1441	61	.	.	PUNCT
cblr-9983	1442	1	238	238	NUM
cblr-9983	1442	2	model	model	NOUN
cblr-9983	1442	3	risk	risk	NOUN
cblr-9983	1442	4	guidance	guidance	NOUN
cblr-9983	1442	5	,	,	PUNCT
cblr-9983	1442	6	supra	supra	PROPN
cblr-9983	1442	7	note	note	PROPN
cblr-9983	1442	8	226	226	NUM
cblr-9983	1442	9	,	,	PUNCT
cblr-9983	1442	10	at	at	ADP
cblr-9983	1442	11	21	21	NUM
cblr-9983	1442	12	.	.	PUNCT
cblr-9983	1443	1	no	no	INTJ
cblr-9983	1443	2	.	.	PUNCT
cblr-9983	1444	1	1:279	1:279	NOUN
cblr-9983	1444	2	]	]	X
cblr-9983	1444	3	bank	bank	NOUN
cblr-9983	1444	4	supervision	supervision	NOUN
cblr-9983	1444	5	and	and	CCONJ
cblr-9983	1444	6	administrative	administrative	ADJ
cblr-9983	1444	7	law	law	NOUN
cblr-9983	1444	8	359	359	NUM
cblr-9983	1444	9	focus	focus	NOUN
cblr-9983	1444	10	would	would	AUX
cblr-9983	1444	11	be	be	AUX
cblr-9983	1444	12	on	on	ADP
cblr-9983	1444	13	the	the	DET
cblr-9983	1444	14	subsequent	subsequent	ADJ
cblr-9983	1444	15	issuance	issuance	NOUN
cblr-9983	1444	16	of	of	ADP
cblr-9983	1444	17	an	an	DET
cblr-9983	1444	18	mra	mra	NOUN
cblr-9983	1444	19	and	and	CCONJ
cblr-9983	1444	20	eventual	eventual	ADJ
cblr-9983	1444	21	downgrade	downgrade	NOUN
cblr-9983	1444	22	of	of	ADP
cblr-9983	1444	23	the	the	DET
cblr-9983	1444	24	bank	bank	NOUN
cblr-9983	1444	25	’s	’s	PART
cblr-9983	1444	26	management	management	NOUN
cblr-9983	1444	27	rating	rating	NOUN
cblr-9983	1444	28	.	.	PUNCT
cblr-9983	1445	1	banking	banking	NOUN
cblr-9983	1445	2	interests	interest	NOUN
cblr-9983	1445	3	have	have	AUX
cblr-9983	1445	4	argued	argue	VERB
cblr-9983	1445	5	that	that	SCONJ
cblr-9983	1445	6	“	"	PUNCT
cblr-9983	1445	7	violation	violation	NOUN
cblr-9983	1445	8	”	"	PUNCT
cblr-9983	1445	9	of	of	ADP
cblr-9983	1445	10	guidance	guidance	NOUN
cblr-9983	1445	11	should	should	AUX
cblr-9983	1445	12	not	not	PART
cblr-9983	1445	13	be	be	AUX
cblr-9983	1445	14	the	the	DET
cblr-9983	1445	15	basis	basis	NOUN
cblr-9983	1445	16	for	for	ADP
cblr-9983	1445	17	mras	mras	ADJ
cblr-9983	1445	18	or	or	CCONJ
cblr-9983	1445	19	ratings	rating	NOUN
cblr-9983	1445	20	downgrades	downgrade	NOUN
cblr-9983	1445	21	,	,	PUNCT
cblr-9983	1445	22	precisely	precisely	ADV
cblr-9983	1445	23	because	because	SCONJ
cblr-9983	1445	24	the	the	DET
cblr-9983	1445	25	guidance	guidance	NOUN
cblr-9983	1445	26	is	be	AUX
cblr-9983	1445	27	supposed	suppose	VERB
cblr-9983	1445	28	to	to	PART
cblr-9983	1445	29	be	be	AUX
cblr-9983	1445	30	legally	legally	ADV
cblr-9983	1445	31	nonbinding.239	nonbinding.239	ADJ
cblr-9983	1445	32	because	because	SCONJ
cblr-9983	1445	33	a	a	DET
cblr-9983	1445	34	ratings	rating	NOUN
cblr-9983	1445	35	downgrade	downgrade	NOUN
cblr-9983	1445	36	can	can	AUX
cblr-9983	1445	37	result	result	VERB
cblr-9983	1445	38	in	in	ADP
cblr-9983	1445	39	binding	bind	VERB
cblr-9983	1445	40	restraints	restraint	NOUN
cblr-9983	1445	41	on	on	ADP
cblr-9983	1445	42	acquisitions	acquisition	NOUN
cblr-9983	1445	43	or	or	CCONJ
cblr-9983	1445	44	other	other	ADJ
cblr-9983	1445	45	activities	activity	NOUN
cblr-9983	1445	46	by	by	ADP
cblr-9983	1445	47	banking	banking	NOUN
cblr-9983	1445	48	organizations	organization	NOUN
cblr-9983	1445	49	,	,	PUNCT
cblr-9983	1445	50	a	a	DET
cblr-9983	1445	51	bank	bank	NOUN
cblr-9983	1445	52	might	might	AUX
cblr-9983	1445	53	argue	argue	VERB
cblr-9983	1445	54	that	that	SCONJ
cblr-9983	1445	55	the	the	DET
cblr-9983	1445	56	invocation	invocation	NOUN
cblr-9983	1445	57	of	of	ADP
cblr-9983	1445	58	the	the	DET
cblr-9983	1445	59	model	model	NOUN
cblr-9983	1445	60	risk	risk	NOUN
cblr-9983	1445	61	management	management	NOUN
cblr-9983	1445	62	guidance	guidance	NOUN
cblr-9983	1445	63	in	in	ADP
cblr-9983	1445	64	my	my	PRON
cblr-9983	1445	65	hypothetical	hypothetical	ADJ
cblr-9983	1445	66	amounts	amount	NOUN
cblr-9983	1445	67	to	to	ADP
cblr-9983	1445	68	its	its	AUX
cblr-9983	1445	69	having	having	AUX
cblr-9983	1445	70	been	be	AUX
cblr-9983	1445	71	“	"	PUNCT
cblr-9983	1445	72	applied	apply	VERB
cblr-9983	1445	73	by	by	ADP
cblr-9983	1445	74	the	the	DET
cblr-9983	1445	75	agency	agency	NOUN
cblr-9983	1445	76	in	in	ADP
cblr-9983	1445	77	a	a	DET
cblr-9983	1445	78	way	way	NOUN
cblr-9983	1445	79	that	that	PRON
cblr-9983	1445	80	indicates	indicate	VERB
cblr-9983	1445	81	it	it	PRON
cblr-9983	1445	82	is	be	AUX
cblr-9983	1445	83	binding	bind	VERB
cblr-9983	1445	84	,	,	PUNCT
cblr-9983	1445	85	”	"	PUNCT
cblr-9983	1445	86	in	in	ADP
cblr-9983	1445	87	the	the	DET
cblr-9983	1445	88	terms	term	NOUN
cblr-9983	1445	89	of	of	ADP
cblr-9983	1445	90	the	the	DET
cblr-9983	1445	91	general	general	ADJ
cblr-9983	1445	92	electric	electric	PROPN
cblr-9983	1445	93	test	test	NOUN
cblr-9983	1445	94	.	.	PUNCT
cblr-9983	1446	1	even	even	ADV
cblr-9983	1446	2	if	if	SCONJ
cblr-9983	1446	3	a	a	DET
cblr-9983	1446	4	ratings	rating	NOUN
cblr-9983	1446	5	downgrade	downgrade	NOUN
cblr-9983	1446	6	does	do	AUX
cblr-9983	1446	7	not	not	PART
cblr-9983	1446	8	result	result	VERB
cblr-9983	1446	9	,	,	PUNCT
cblr-9983	1446	10	the	the	DET
cblr-9983	1446	11	bank	bank	NOUN
cblr-9983	1446	12	might	might	AUX
cblr-9983	1446	13	contend	contend	VERB
cblr-9983	1446	14	that	that	SCONJ
cblr-9983	1446	15	the	the	DET
cblr-9983	1446	16	guidance	guidance	NOUN
cblr-9983	1446	17	is	be	AUX
cblr-9983	1446	18	binding	bind	VERB
cblr-9983	1446	19	because	because	SCONJ
cblr-9983	1446	20	it	it	PRON
cblr-9983	1446	21	felt	felt	AUX
cblr-9983	1446	22	compelled	compel	VERB
cblr-9983	1446	23	to	to	PART
cblr-9983	1446	24	act	act	VERB
cblr-9983	1446	25	in	in	ADP
cblr-9983	1446	26	response	response	NOUN
cblr-9983	1446	27	to	to	ADP
cblr-9983	1446	28	the	the	DET
cblr-9983	1446	29	mra	mra	NOUN
cblr-9983	1446	30	to	to	PART
cblr-9983	1446	31	avoid	avoid	VERB
cblr-9983	1446	32	other	other	ADJ
cblr-9983	1446	33	supervisory	supervisory	ADJ
cblr-9983	1446	34	consequences	consequence	NOUN
cblr-9983	1446	35	.	.	PUNCT
cblr-9983	1447	1	the	the	DET
cblr-9983	1447	2	federal	federal	PROPN
cblr-9983	1447	3	reserve	reserve	PROPN
cblr-9983	1447	4	,	,	PUNCT
cblr-9983	1447	5	in	in	ADP
cblr-9983	1447	6	turn	turn	NOUN
cblr-9983	1447	7	,	,	PUNCT
cblr-9983	1447	8	could	could	AUX
cblr-9983	1447	9	argue	argue	VERB
cblr-9983	1447	10	first	first	ADV
cblr-9983	1447	11	that	that	SCONJ
cblr-9983	1447	12	an	an	DET
cblr-9983	1447	13	mra	mra	NOUN
cblr-9983	1447	14	is	be	AUX
cblr-9983	1447	15	not	not	PART
cblr-9983	1447	16	even	even	ADV
cblr-9983	1447	17	a	a	DET
cblr-9983	1447	18	final	final	ADJ
cblr-9983	1447	19	administrative	administrative	ADJ
cblr-9983	1447	20	action	action	NOUN
cblr-9983	1447	21	within	within	ADP
cblr-9983	1447	22	the	the	DET
cblr-9983	1447	23	meaning	meaning	NOUN
cblr-9983	1447	24	of	of	ADP
cblr-9983	1447	25	the	the	DET
cblr-9983	1447	26	apa	apa	PROPN
cblr-9983	1447	27	and	and	CCONJ
cblr-9983	1447	28	thus	thus	ADV
cblr-9983	1447	29	not	not	PART
cblr-9983	1447	30	subject	subject	ADJ
cblr-9983	1447	31	to	to	ADP
cblr-9983	1447	32	judicial	judicial	ADJ
cblr-9983	1447	33	review.240	review.240	PROPN
cblr-9983	1447	34	an	an	DET
cblr-9983	1447	35	agency	agency	NOUN
cblr-9983	1447	36	action	action	NOUN
cblr-9983	1447	37	is	be	AUX
cblr-9983	1447	38	final	final	ADJ
cblr-9983	1447	39	only	only	ADV
cblr-9983	1447	40	if	if	SCONJ
cblr-9983	1447	41	it	it	PRON
cblr-9983	1447	42	is	be	AUX
cblr-9983	1447	43	“	"	PUNCT
cblr-9983	1447	44	both	both	DET
cblr-9983	1447	45	‘	'	PUNCT
cblr-9983	1447	46	the	the	DET
cblr-9983	1447	47	consummation	consummation	NOUN
cblr-9983	1447	48	of	of	ADP
cblr-9983	1447	49	the	the	DET
cblr-9983	1447	50	agency	agency	NOUN
cblr-9983	1447	51	’s	’s	PART
cblr-9983	1447	52	decision	decision	NOUN
cblr-9983	1447	53	making	make	VERB
cblr-9983	1447	54	process	process	NOUN
cblr-9983	1447	55	’	'	PUNCT
cblr-9983	1447	56	and	and	CCONJ
cblr-9983	1447	57	a	a	DET
cblr-9983	1447	58	decision	decision	NOUN
cblr-9983	1447	59	by	by	ADP
cblr-9983	1447	60	which	which	PRON
cblr-9983	1447	61	‘	'	PUNCT
cblr-9983	1447	62	rights	right	NOUN
cblr-9983	1447	63	or	or	CCONJ
cblr-9983	1447	64	obligations	obligation	NOUN
cblr-9983	1447	65	have	have	AUX
cblr-9983	1447	66	been	be	AUX
cblr-9983	1447	67	determined	determine	VERB
cblr-9983	1447	68	’	'	PUNCT
cblr-9983	1447	69	or	or	CCONJ
cblr-9983	1447	70	from	from	ADP
cblr-9983	1447	71	which	which	PRON
cblr-9983	1447	72	‘	'	PUNCT
cblr-9983	1447	73	legal	legal	ADJ
cblr-9983	1447	74	consequences	consequence	NOUN
cblr-9983	1447	75	will	will	AUX
cblr-9983	1447	76	flow	flow	VERB
cblr-9983	1447	77	.	.	PUNCT
cblr-9983	1448	1	’”241	’”241	PROPN
cblr-9983	1448	2	in	in	ADP
cblr-9983	1448	3	and	and	CCONJ
cblr-9983	1448	4	of	of	ADP
cblr-9983	1448	5	itself	itself	PRON
cblr-9983	1448	6	,	,	PUNCT
cblr-9983	1448	7	an	an	DET
cblr-9983	1448	8	mra	mra	NOUN
cblr-9983	1448	9	does	do	AUX
cblr-9983	1448	10	not	not	PART
cblr-9983	1448	11	appear	appear	VERB
cblr-9983	1448	12	to	to	PART
cblr-9983	1448	13	satisfy	satisfy	VERB
cblr-9983	1448	14	the	the	DET
cblr-9983	1448	15	second	second	ADJ
cblr-9983	1448	16	part	part	NOUN
cblr-9983	1448	17	of	of	ADP
cblr-9983	1448	18	the	the	DET
cblr-9983	1448	19	test	test	NOUN
cblr-9983	1448	20	.	.	PUNCT
cblr-9983	1449	1	ratings	rating	NOUN
cblr-9983	1449	2	decisions	decision	NOUN
cblr-9983	1449	3	,	,	PUNCT
cblr-9983	1449	4	even	even	ADV
cblr-9983	1449	5	those	those	PRON
cblr-9983	1449	6	involving	involve	VERB
cblr-9983	1449	7	only	only	ADV
cblr-9983	1449	8	the	the	DET
cblr-9983	1449	9	non	non	ADJ
cblr-9983	1449	10	-	-	ADJ
cblr-9983	1449	11	capital	capital	ADJ
cblr-9983	1449	12	elements	element	NOUN
cblr-9983	1449	13	of	of	ADP
cblr-9983	1449	14	bank	bank	NOUN
cblr-9983	1449	15	ratings	rating	NOUN
cblr-9983	1449	16	,	,	PUNCT
cblr-9983	1449	17	may	may	AUX
cblr-9983	1449	18	not	not	PART
cblr-9983	1449	19	be	be	AUX
cblr-9983	1449	20	immediately	immediately	ADV
cblr-9983	1449	21	reviewable	reviewable	ADJ
cblr-9983	1449	22	either	either	ADV
cblr-9983	1449	23	,	,	PUNCT
cblr-9983	1449	24	though	though	SCONJ
cblr-9983	1449	25	once	once	SCONJ
cblr-9983	1449	26	concrete	concrete	ADJ
cblr-9983	1449	27	consequences	consequence	NOUN
cblr-9983	1449	28	for	for	ADP
cblr-9983	1449	29	a	a	DET
cblr-9983	1449	30	bank	bank	NOUN
cblr-9983	1449	31	follow	follow	NOUN
cblr-9983	1449	32	from	from	ADP
cblr-9983	1449	33	a	a	DET
cblr-9983	1449	34	ratings	rating	NOUN
cblr-9983	1449	35	decision	decision	NOUN
cblr-9983	1449	36	,	,	PUNCT
cblr-9983	1449	37	the	the	DET
cblr-9983	1449	38	argument	argument	NOUN
cblr-9983	1449	39	for	for	ADP
cblr-9983	1449	40	administrative	administrative	ADJ
cblr-9983	1449	41	finality	finality	NOUN
cblr-9983	1449	42	becomes	become	VERB
cblr-9983	1449	43	stronger.242	stronger.242	PROPN
cblr-9983	1449	44	239	239	NUM
cblr-9983	1449	45	see	see	VERB
cblr-9983	1449	46	baer	baer	PROPN
cblr-9983	1449	47	testimony	testimony	NOUN
cblr-9983	1449	48	,	,	PUNCT
cblr-9983	1449	49	supra	supra	PROPN
cblr-9983	1449	50	note	note	NOUN
cblr-9983	1449	51	14	14	NUM
cblr-9983	1449	52	,	,	PUNCT
cblr-9983	1449	53	at	at	ADP
cblr-9983	1449	54	35	35	NUM
cblr-9983	1449	55	.	.	PUNCT
cblr-9983	1450	1	240	240	NUM
cblr-9983	1450	2	see	see	VERB
cblr-9983	1450	3	5	5	NUM
cblr-9983	1450	4	u.s.c	u.s.c	ADJ
cblr-9983	1450	5	.	.	PUNCT
cblr-9983	1451	1	§	§	PROPN
cblr-9983	1451	2	704	704	NUM
cblr-9983	1451	3	(	(	PUNCT
cblr-9983	1451	4	2018	2018	NUM
cblr-9983	1451	5	)	)	PUNCT
cblr-9983	1451	6	(	(	PUNCT
cblr-9983	1451	7	“	"	PUNCT
cblr-9983	1451	8	a	a	DET
cblr-9983	1451	9	preliminary	preliminary	ADJ
cblr-9983	1451	10	,	,	PUNCT
cblr-9983	1451	11	procedural	procedural	ADJ
cblr-9983	1451	12	,	,	PUNCT
cblr-9983	1451	13	or	or	CCONJ
cblr-9983	1451	14	intermediate	intermediate	ADJ
cblr-9983	1451	15	agency	agency	NOUN
cblr-9983	1451	16	action	action	NOUN
cblr-9983	1451	17	or	or	CCONJ
cblr-9983	1451	18	ruling	rule	VERB
cblr-9983	1451	19	not	not	PART
cblr-9983	1451	20	directly	directly	ADV
cblr-9983	1451	21	reviewable	reviewable	ADJ
cblr-9983	1451	22	is	be	AUX
cblr-9983	1451	23	subject	subject	ADJ
cblr-9983	1451	24	to	to	ADP
cblr-9983	1451	25	review	review	NOUN
cblr-9983	1451	26	on	on	ADP
cblr-9983	1451	27	the	the	DET
cblr-9983	1451	28	review	review	NOUN
cblr-9983	1451	29	of	of	ADP
cblr-9983	1451	30	the	the	DET
cblr-9983	1451	31	final	final	ADJ
cblr-9983	1451	32	agency	agency	NOUN
cblr-9983	1451	33	action	action	NOUN
cblr-9983	1451	34	.	.	PUNCT
cblr-9983	1451	35	”	"	PUNCT
cblr-9983	1451	36	)	)	PUNCT
cblr-9983	1451	37	.	.	PUNCT
cblr-9983	1452	1	241	241	NUM
cblr-9983	1452	2	national	national	ADJ
cblr-9983	1452	3	mining	mining	NOUN
cblr-9983	1452	4	ass’n	ass’n	PROPN
cblr-9983	1452	5	v.	v.	ADP
cblr-9983	1452	6	mccarthy	mccarthy	PROPN
cblr-9983	1452	7	,	,	PUNCT
cblr-9983	1452	8	758	758	NUM
cblr-9983	1452	9	f.3d	f.3d	NUM
cblr-9983	1452	10	243	243	NUM
cblr-9983	1452	11	,	,	PUNCT
cblr-9983	1452	12	250	250	NUM
cblr-9983	1452	13	(	(	PUNCT
cblr-9983	1452	14	d.c	d.c	PROPN
cblr-9983	1452	15	.	.	PROPN
cblr-9983	1452	16	cir	cir	PROPN
cblr-9983	1452	17	.	.	PROPN
cblr-9983	1452	18	2014	2014	NUM
cblr-9983	1452	19	)	)	PUNCT
cblr-9983	1452	20	(	(	PUNCT
cblr-9983	1452	21	quoting	quote	VERB
cblr-9983	1452	22	bennett	bennett	PROPN
cblr-9983	1452	23	v.	v.	PROPN
cblr-9983	1452	24	spear	spear	PROPN
cblr-9983	1452	25	,	,	PUNCT
cblr-9983	1452	26	520	520	NUM
cblr-9983	1452	27	u.s	u.s	PROPN
cblr-9983	1452	28	.	.	PROPN
cblr-9983	1452	29	154	154	NUM
cblr-9983	1452	30	,	,	PUNCT
cblr-9983	1452	31	177–78	177–78	NUM
cblr-9983	1452	32	(	(	PUNCT
cblr-9983	1452	33	1997	1997	NUM
cblr-9983	1452	34	)	)	PUNCT
cblr-9983	1452	35	)	)	PUNCT
cblr-9983	1453	1	(	(	PUNCT
cblr-9983	1453	2	emphasis	emphasis	NOUN
cblr-9983	1453	3	in	in	ADP
cblr-9983	1453	4	original	original	ADJ
cblr-9983	1453	5	)	)	PUNCT
cblr-9983	1453	6	.	.	PUNCT
cblr-9983	1454	1	additional	additional	ADJ
cblr-9983	1454	2	discussion	discussion	NOUN
cblr-9983	1454	3	of	of	ADP
cblr-9983	1454	4	the	the	DET
cblr-9983	1454	5	final	final	ADJ
cblr-9983	1454	6	agency	agency	NOUN
cblr-9983	1454	7	action	action	NOUN
cblr-9983	1454	8	rule	rule	NOUN
cblr-9983	1454	9	is	be	AUX
cblr-9983	1454	10	at	at	ADP
cblr-9983	1454	11	supra	supra	PROPN
cblr-9983	1454	12	notes	note	NOUN
cblr-9983	1454	13	134–138	134–138	NUM
cblr-9983	1454	14	.	.	PUNCT
cblr-9983	1455	1	242	242	NUM
cblr-9983	1455	2	judge	judge	NOUN
cblr-9983	1455	3	easterbrook	easterbrook	PROPN
cblr-9983	1455	4	suggested	suggest	VERB
cblr-9983	1455	5	as	as	ADV
cblr-9983	1455	6	much	much	ADJ
cblr-9983	1455	7	in	in	ADP
cblr-9983	1455	8	builders	builder	NOUN
cblr-9983	1455	9	bank	bank	NOUN
cblr-9983	1455	10	,	,	PUNCT
cblr-9983	1455	11	846	846	NUM
cblr-9983	1455	12	f.3d	f.3d	NUM
cblr-9983	1455	13	at	at	ADP
cblr-9983	1455	14	275	275	NUM
cblr-9983	1455	15	.	.	PUNCT
cblr-9983	1456	1	but	but	CCONJ
cblr-9983	1456	2	since	since	SCONJ
cblr-9983	1456	3	the	the	DET
cblr-9983	1456	4	fdic	fdic	PROPN
cblr-9983	1456	5	had	have	AUX
cblr-9983	1456	6	acquiesced	acquiesce	VERB
cblr-9983	1456	7	in	in	ADP
cblr-9983	1456	8	immediate	immediate	ADJ
cblr-9983	1456	9	review	review	NOUN
cblr-9983	1456	10	of	of	ADP
cblr-9983	1456	11	its	its	PRON
cblr-9983	1456	12	rating	rating	NOUN
cblr-9983	1456	13	,	,	PUNCT
cblr-9983	1456	14	the	the	DET
cblr-9983	1456	15	court	court	NOUN
cblr-9983	1456	16	was	be	AUX
cblr-9983	1456	17	not	not	PART
cblr-9983	1456	18	required	require	VERB
cblr-9983	1456	19	to	to	PART
cblr-9983	1456	20	decide	decide	VERB
cblr-9983	1456	21	the	the	DET
cblr-9983	1456	22	issue	issue	NOUN
cblr-9983	1456	23	head	head	NOUN
cblr-9983	1456	24	-	-	PUNCT
cblr-9983	1456	25	on	on	ADP
cblr-9983	1456	26	.	.	PUNCT
cblr-9983	1457	1	i	i	PRON
cblr-9983	1457	2	d.	d.	PROPN
cblr-9983	1457	3	360	360	NUM
cblr-9983	1457	4	columbia	columbia	PROPN
cblr-9983	1457	5	business	business	NOUN
cblr-9983	1457	6	law	law	PROPN
cblr-9983	1457	7	review	review	NOUN
cblr-9983	1457	8	[	[	X
cblr-9983	1457	9	vol	vol	NOUN
cblr-9983	1457	10	.	.	PUNCT
cblr-9983	1457	11	2022	2022	NUM
cblr-9983	1457	12	second	second	NOUN
cblr-9983	1457	13	,	,	PUNCT
cblr-9983	1457	14	the	the	DET
cblr-9983	1457	15	federal	federal	PROPN
cblr-9983	1457	16	reserve	reserve	PROPN
cblr-9983	1457	17	could	could	AUX
cblr-9983	1457	18	argue	argue	VERB
cblr-9983	1457	19	that	that	SCONJ
cblr-9983	1457	20	,	,	PUNCT
cblr-9983	1457	21	in	in	ADP
cblr-9983	1457	22	the	the	DET
cblr-9983	1457	23	context	context	NOUN
cblr-9983	1457	24	of	of	ADP
cblr-9983	1457	25	banking	banking	NOUN
cblr-9983	1457	26	law	law	NOUN
cblr-9983	1457	27	,	,	PUNCT
cblr-9983	1457	28	the	the	DET
cblr-9983	1457	29	issuance	issuance	NOUN
cblr-9983	1457	30	of	of	ADP
cblr-9983	1457	31	supervisory	supervisory	ADJ
cblr-9983	1457	32	determinations	determination	NOUN
cblr-9983	1457	33	such	such	ADJ
cblr-9983	1457	34	as	as	ADP
cblr-9983	1457	35	mras	mras	ADJ
cblr-9983	1457	36	is	be	AUX
cblr-9983	1457	37	specifically	specifically	ADV
cblr-9983	1457	38	contemplated	contemplate	VERB
cblr-9983	1457	39	by	by	ADP
cblr-9983	1457	40	congress	congress	PROPN
cblr-9983	1457	41	.	.	PUNCT
cblr-9983	1458	1	as	as	SCONJ
cblr-9983	1458	2	discussed	discuss	VERB
cblr-9983	1458	3	in	in	ADP
cblr-9983	1458	4	part	part	PROPN
cblr-9983	1458	5	ii	ii	PROPN
cblr-9983	1458	6	,	,	PUNCT
cblr-9983	1458	7	numerous	numerous	ADJ
cblr-9983	1458	8	statutes	statute	NOUN
cblr-9983	1458	9	contemplate	contemplate	VERB
cblr-9983	1458	10	supervisory	supervisory	ADJ
cblr-9983	1458	11	action	action	NOUN
cblr-9983	1458	12	as	as	ADP
cblr-9983	1458	13	distinct	distinct	ADJ
cblr-9983	1458	14	from	from	ADP
cblr-9983	1458	15	“	"	PUNCT
cblr-9983	1458	16	regulatory	regulatory	ADJ
cblr-9983	1458	17	”	"	PUNCT
cblr-9983	1458	18	action	action	NOUN
cblr-9983	1458	19	in	in	ADP
cblr-9983	1458	20	the	the	DET
cblr-9983	1458	21	sense	sense	NOUN
cblr-9983	1458	22	of	of	ADP
cblr-9983	1458	23	notice	notice	NOUN
cblr-9983	1458	24	-	-	PUNCT
cblr-9983	1458	25	and	and	CCONJ
cblr-9983	1458	26	-	-	PUNCT
cblr-9983	1458	27	comment	comment	NOUN
cblr-9983	1458	28	rules	rule	NOUN
cblr-9983	1458	29	,	,	PUNCT
cblr-9983	1458	30	or	or	CCONJ
cblr-9983	1458	31	“	"	PUNCT
cblr-9983	1458	32	enforcement	enforcement	NOUN
cblr-9983	1458	33	”	"	PUNCT
cblr-9983	1458	34	action	action	NOUN
cblr-9983	1458	35	in	in	ADP
cblr-9983	1458	36	the	the	DET
cblr-9983	1458	37	sense	sense	NOUN
cblr-9983	1458	38	of	of	ADP
cblr-9983	1458	39	a	a	DET
cblr-9983	1458	40	proceeding	proceeding	NOUN
cblr-9983	1458	41	resulting	result	VERB
cblr-9983	1458	42	in	in	ADP
cblr-9983	1458	43	a	a	DET
cblr-9983	1458	44	formal	formal	ADJ
cblr-9983	1458	45	,	,	PUNCT
cblr-9983	1458	46	legally	legally	ADV
cblr-9983	1458	47	binding	bind	VERB
cblr-9983	1458	48	order	order	NOUN
cblr-9983	1458	49	.	.	PUNCT
cblr-9983	1459	1	the	the	DET
cblr-9983	1459	2	agency	agency	NOUN
cblr-9983	1459	3	could	could	AUX
cblr-9983	1459	4	argue	argue	VERB
cblr-9983	1459	5	that	that	SCONJ
cblr-9983	1459	6	,	,	PUNCT
cblr-9983	1459	7	in	in	ADP
cblr-9983	1459	8	providing	provide	VERB
cblr-9983	1459	9	for	for	ADP
cblr-9983	1459	10	an	an	DET
cblr-9983	1459	11	independent	independent	ADJ
cblr-9983	1459	12	,	,	PUNCT
cblr-9983	1459	13	intra	intra	ADJ
cblr-9983	1459	14	-	-	ADJ
cblr-9983	1459	15	agency	agency	ADJ
cblr-9983	1459	16	channel	channel	NOUN
cblr-9983	1459	17	for	for	ADP
cblr-9983	1459	18	appealing	appeal	VERB
cblr-9983	1459	19	“	"	PUNCT
cblr-9983	1459	20	material	material	ADJ
cblr-9983	1459	21	supervisory	supervisory	ADJ
cblr-9983	1459	22	determinations	determination	NOUN
cblr-9983	1459	23	,	,	PUNCT
cblr-9983	1459	24	”	"	PUNCT
cblr-9983	1459	25	congress	congress	PROPN
cblr-9983	1459	26	has	have	AUX
cblr-9983	1459	27	recognized	recognize	VERB
cblr-9983	1459	28	that	that	SCONJ
cblr-9983	1459	29	supervisory	supervisory	ADJ
cblr-9983	1459	30	actions	action	NOUN
cblr-9983	1459	31	can	can	AUX
cblr-9983	1459	32	have	have	VERB
cblr-9983	1459	33	an	an	DET
cblr-9983	1459	34	impact	impact	NOUN
cblr-9983	1459	35	on	on	ADP
cblr-9983	1459	36	bank	bank	NOUN
cblr-9983	1459	37	practices	practice	NOUN
cblr-9983	1459	38	short	short	ADV
cblr-9983	1459	39	of	of	ADP
cblr-9983	1459	40	legally	legally	ADV
cblr-9983	1459	41	enforceable	enforceable	ADJ
cblr-9983	1459	42	orders	order	NOUN
cblr-9983	1459	43	or	or	CCONJ
cblr-9983	1459	44	even	even	ADV
cblr-9983	1459	45	ratings	rating	NOUN
cblr-9983	1459	46	decisions.243	decisions.243	VERB
cblr-9983	1459	47	more	more	ADV
cblr-9983	1459	48	broadly	broadly	ADV
cblr-9983	1459	49	,	,	PUNCT
cblr-9983	1459	50	the	the	DET
cblr-9983	1459	51	statutory	statutory	ADJ
cblr-9983	1459	52	foundations	foundation	NOUN
cblr-9983	1459	53	for	for	ADP
cblr-9983	1459	54	a	a	DET
cblr-9983	1459	55	supervisory	supervisory	ADJ
cblr-9983	1459	56	function	function	NOUN
cblr-9983	1459	57	should	should	AUX
cblr-9983	1459	58	be	be	AUX
cblr-9983	1459	59	relevant	relevant	ADJ
cblr-9983	1459	60	in	in	ADP
cblr-9983	1459	61	judicial	judicial	ADJ
cblr-9983	1459	62	evaluations	evaluation	NOUN
cblr-9983	1459	63	of	of	ADP
cblr-9983	1459	64	procedural	procedural	ADJ
cblr-9983	1459	65	requirements	requirement	NOUN
cblr-9983	1459	66	for	for	ADP
cblr-9983	1459	67	the	the	DET
cblr-9983	1459	68	exercise	exercise	NOUN
cblr-9983	1459	69	of	of	ADP
cblr-9983	1459	70	that	that	DET
cblr-9983	1459	71	function	function	NOUN
cblr-9983	1459	72	.	.	PUNCT
cblr-9983	1460	1	finally	finally	ADV
cblr-9983	1460	2	,	,	PUNCT
cblr-9983	1460	3	the	the	DET
cblr-9983	1460	4	federal	federal	PROPN
cblr-9983	1460	5	reserve	reserve	PROPN
cblr-9983	1460	6	can	can	AUX
cblr-9983	1460	7	argue	argue	VERB
cblr-9983	1460	8	that	that	SCONJ
cblr-9983	1460	9	the	the	DET
cblr-9983	1460	10	supervisory	supervisory	ADJ
cblr-9983	1460	11	examination	examination	NOUN
cblr-9983	1460	12	that	that	PRON
cblr-9983	1460	13	preceded	precede	VERB
cblr-9983	1460	14	issuance	issuance	NOUN
cblr-9983	1460	15	of	of	ADP
cblr-9983	1460	16	the	the	DET
cblr-9983	1460	17	mra	mra	NOUN
cblr-9983	1460	18	itself	itself	PRON
cblr-9983	1460	19	entailed	entail	VERB
cblr-9983	1460	20	an	an	DET
cblr-9983	1460	21	evaluation	evaluation	NOUN
cblr-9983	1460	22	of	of	ADP
cblr-9983	1460	23	the	the	DET
cblr-9983	1460	24	actual	actual	ADJ
cblr-9983	1460	25	practices	practice	NOUN
cblr-9983	1460	26	of	of	ADP
cblr-9983	1460	27	the	the	DET
cblr-9983	1460	28	bank	bank	NOUN
cblr-9983	1460	29	against	against	ADP
cblr-9983	1460	30	the	the	DET
cblr-9983	1460	31	standard	standard	NOUN
cblr-9983	1460	32	of	of	ADP
cblr-9983	1460	33	potentially	potentially	ADV
cblr-9983	1460	34	unsafe	unsafe	ADJ
cblr-9983	1460	35	or	or	CCONJ
cblr-9983	1460	36	unsound	unsound	ADJ
cblr-9983	1460	37	banking	banking	NOUN
cblr-9983	1460	38	practices	practice	NOUN
cblr-9983	1460	39	,	,	PUNCT
cblr-9983	1460	40	as	as	SCONJ
cblr-9983	1460	41	set	set	VERB
cblr-9983	1460	42	forth	forth	ADV
cblr-9983	1460	43	in	in	ADP
cblr-9983	1460	44	§	§	PROPN
cblr-9983	1460	45	1818	1818	NUM
cblr-9983	1460	46	.	.	PUNCT
cblr-9983	1461	1	a	a	DET
cblr-9983	1461	2	decision	decision	NOUN
cblr-9983	1461	3	on	on	ADP
cblr-9983	1461	4	a	a	DET
cblr-9983	1461	5	ratings	rating	NOUN
cblr-9983	1461	6	downgrade	downgrade	NOUN
cblr-9983	1461	7	would	would	AUX
cblr-9983	1461	8	similarly	similarly	ADV
cblr-9983	1461	9	involve	involve	VERB
cblr-9983	1461	10	an	an	DET
cblr-9983	1461	11	overall	overall	ADJ
cblr-9983	1461	12	assessment	assessment	NOUN
cblr-9983	1461	13	of	of	ADP
cblr-9983	1461	14	risk	risk	NOUN
cblr-9983	1461	15	management	management	NOUN
cblr-9983	1461	16	by	by	ADP
cblr-9983	1461	17	the	the	DET
cblr-9983	1461	18	bank	bank	NOUN
cblr-9983	1461	19	.	.	PUNCT
cblr-9983	1462	1	so	so	ADV
cblr-9983	1462	2	,	,	PUNCT
cblr-9983	1462	3	unlike	unlike	ADP
cblr-9983	1462	4	cases	case	NOUN
cblr-9983	1462	5	in	in	ADP
cblr-9983	1462	6	which	which	PRON
cblr-9983	1462	7	a	a	DET
cblr-9983	1462	8	permit	permit	NOUN
cblr-9983	1462	9	is	be	AUX
cblr-9983	1462	10	alleged	allege	VERB
cblr-9983	1462	11	to	to	PART
cblr-9983	1462	12	have	have	AUX
cblr-9983	1462	13	been	be	AUX
cblr-9983	1462	14	denied	deny	VERB
cblr-9983	1462	15	for	for	ADP
cblr-9983	1462	16	failure	failure	NOUN
cblr-9983	1462	17	to	to	PART
cblr-9983	1462	18	follow	follow	VERB
cblr-9983	1462	19	a	a	DET
cblr-9983	1462	20	specific	specific	ADJ
cblr-9983	1462	21	piece	piece	NOUN
cblr-9983	1462	22	of	of	ADP
cblr-9983	1462	23	agency	agency	NOUN
cblr-9983	1462	24	guidance,244	guidance,244	PROPN
cblr-9983	1462	25	or	or	CCONJ
cblr-9983	1462	26	where	where	SCONJ
cblr-9983	1462	27	an	an	DET
cblr-9983	1462	28	agency	agency	NOUN
cblr-9983	1462	29	inspection	inspection	NOUN
cblr-9983	1462	30	was	be	AUX
cblr-9983	1462	31	more	more	ADV
cblr-9983	1462	32	likely	likely	ADJ
cblr-9983	1462	33	to	to	PART
cblr-9983	1462	34	occur	occur	VERB
cblr-9983	1462	35	if	if	SCONJ
cblr-9983	1462	36	a	a	DET
cblr-9983	1462	37	firm	firm	NOUN
cblr-9983	1462	38	did	do	AUX
cblr-9983	1462	39	not	not	PART
cblr-9983	1462	40	take	take	VERB
cblr-9983	1462	41	on	on	ADP
cblr-9983	1462	42	obligations	obligation	NOUN
cblr-9983	1462	43	beyond	beyond	ADP
cblr-9983	1462	44	those	those	PRON
cblr-9983	1462	45	required	require	VERB
cblr-9983	1462	46	by	by	ADP
cblr-9983	1462	47	statute	statute	NOUN
cblr-9983	1462	48	and	and	CCONJ
cblr-9983	1462	49	regulation,245	regulation,245	PROPN
cblr-9983	1462	50	here	here	ADV
cblr-9983	1462	51	the	the	DET
cblr-9983	1462	52	banking	banking	NOUN
cblr-9983	1462	53	agency	agency	NOUN
cblr-9983	1462	54	might	might	AUX
cblr-9983	1462	55	insist	insist	VERB
cblr-9983	1462	56	that	that	SCONJ
cblr-9983	1462	57	its	its	PRON
cblr-9983	1462	58	mra	mra	NOUN
cblr-9983	1462	59	reflected	reflect	VERB
cblr-9983	1462	60	a	a	DET
cblr-9983	1462	61	kind	kind	NOUN
cblr-9983	1462	62	of	of	ADP
cblr-9983	1462	63	de	de	X
cblr-9983	1462	64	novo	novo	NOUN
cblr-9983	1462	65	conclusion	conclusion	NOUN
cblr-9983	1462	66	concerning	concern	VERB
cblr-9983	1462	67	the	the	DET
cblr-9983	1462	68	potential	potential	NOUN
cblr-9983	1462	69	for	for	SCONJ
cblr-9983	1462	70	the	the	DET
cblr-9983	1462	71	bank	bank	NOUN
cblr-9983	1462	72	’s	’s	PART
cblr-9983	1462	73	model	model	PROPN
cblr-9983	1462	74	risk	risk	NOUN
cblr-9983	1462	75	management	management	NOUN
cblr-9983	1462	76	to	to	PART
cblr-9983	1462	77	pose	pose	VERB
cblr-9983	1462	78	a	a	DET
cblr-9983	1462	79	potential	potential	ADJ
cblr-9983	1462	80	risk	risk	NOUN
cblr-9983	1462	81	to	to	ADP
cblr-9983	1462	82	its	its	PRON
cblr-9983	1462	83	safety	safety	NOUN
cblr-9983	1462	84	and	and	CCONJ
cblr-9983	1462	85	soundness	soundness	NOUN
cblr-9983	1462	86	.	.	PUNCT
cblr-9983	1463	1	thus	thus	ADV
cblr-9983	1463	2	,	,	PUNCT
cblr-9983	1463	3	while	while	SCONJ
cblr-9983	1463	4	the	the	DET
cblr-9983	1463	5	243	243	NUM
cblr-9983	1463	6	12	12	NUM
cblr-9983	1463	7	u.s.c	u.s.c	NOUN
cblr-9983	1463	8	.	.	PUNCT
cblr-9983	1464	1	§	§	PROPN
cblr-9983	1464	2	4806(a	4806(a	NUM
cblr-9983	1464	3	)	)	PUNCT
cblr-9983	1464	4	(	(	PUNCT
cblr-9983	1464	5	2018	2018	NUM
cblr-9983	1464	6	)	)	PUNCT
cblr-9983	1464	7	.	.	PUNCT
cblr-9983	1465	1	to	to	PART
cblr-9983	1465	2	be	be	AUX
cblr-9983	1465	3	clear	clear	ADJ
cblr-9983	1465	4	,	,	PUNCT
cblr-9983	1465	5	§	§	PROPN
cblr-9983	1465	6	4806	4806	NUM
cblr-9983	1465	7	does	do	AUX
cblr-9983	1465	8	not	not	PART
cblr-9983	1465	9	include	include	VERB
cblr-9983	1465	10	mras	mras	ADJ
cblr-9983	1465	11	in	in	ADP
cblr-9983	1465	12	its	its	PRON
cblr-9983	1465	13	definition	definition	NOUN
cblr-9983	1465	14	of	of	ADP
cblr-9983	1465	15	“	"	PUNCT
cblr-9983	1465	16	material	material	ADJ
cblr-9983	1465	17	supervisory	supervisory	ADJ
cblr-9983	1465	18	determinations	determination	NOUN
cblr-9983	1465	19	.	.	PUNCT
cblr-9983	1465	20	”	"	PUNCT
cblr-9983	1466	1	i	i	PRON
cblr-9983	1466	2	d.	d.	PROPN
cblr-9983	1466	3	§	§	PROPN
cblr-9983	1466	4	4806(f)(1	4806(f)(1	PROPN
cblr-9983	1466	5	)	)	PUNCT
cblr-9983	1466	6	.	.	PUNCT
cblr-9983	1467	1	the	the	DET
cblr-9983	1467	2	point	point	NOUN
cblr-9983	1467	3	of	of	ADP
cblr-9983	1467	4	this	this	DET
cblr-9983	1467	5	argument	argument	NOUN
cblr-9983	1467	6	by	by	ADP
cblr-9983	1467	7	the	the	DET
cblr-9983	1467	8	federal	federal	PROPN
cblr-9983	1467	9	reserve	reserve	PROPN
cblr-9983	1467	10	would	would	AUX
cblr-9983	1467	11	be	be	AUX
cblr-9983	1467	12	that	that	SCONJ
cblr-9983	1467	13	congress	congress	PROPN
cblr-9983	1467	14	contemplates	contemplate	VERB
cblr-9983	1467	15	supervisory	supervisory	ADJ
cblr-9983	1467	16	actions	action	NOUN
cblr-9983	1467	17	that	that	PRON
cblr-9983	1467	18	have	have	VERB
cblr-9983	1467	19	a	a	DET
cblr-9983	1467	20	practical	practical	ADJ
cblr-9983	1467	21	effect	effect	NOUN
cblr-9983	1467	22	on	on	ADP
cblr-9983	1467	23	banks	bank	NOUN
cblr-9983	1467	24	while	while	SCONJ
cblr-9983	1467	25	falling	fall	VERB
cblr-9983	1467	26	short	short	ADV
cblr-9983	1467	27	of	of	ADP
cblr-9983	1467	28	being	be	AUX
cblr-9983	1467	29	legally	legally	ADV
cblr-9983	1467	30	binding	binding	ADJ
cblr-9983	1467	31	.	.	PUNCT
cblr-9983	1468	1	244	244	NUM
cblr-9983	1468	2	see	see	PROPN
cblr-9983	1468	3	pac	pac	PROPN
cblr-9983	1468	4	.	.	PUNCT
cblr-9983	1468	5	gas	gas	PROPN
cblr-9983	1468	6	&	&	CCONJ
cblr-9983	1468	7	elec	elec	PROPN
cblr-9983	1468	8	.	.	PROPN
cblr-9983	1468	9	co.	co.	PROPN
cblr-9983	1468	10	,	,	PUNCT
cblr-9983	1468	11	506	506	NUM
cblr-9983	1468	12	f.2d	f.2d	NOUN
cblr-9983	1468	13	at	at	ADP
cblr-9983	1468	14	36	36	NUM
cblr-9983	1468	15	.	.	PUNCT
cblr-9983	1469	1	245	245	NUM
cblr-9983	1469	2	see	see	VERB
cblr-9983	1469	3	chamber	chamber	NOUN
cblr-9983	1469	4	of	of	ADP
cblr-9983	1469	5	com	com	PROPN
cblr-9983	1469	6	.	.	PUNCT
cblr-9983	1470	1	v.	v.	PROPN
cblr-9983	1470	2	u.s	u.s	PROPN
cblr-9983	1470	3	.	.	PROPN
cblr-9983	1470	4	dep’t	dep’t	NOUN
cblr-9983	1470	5	of	of	ADP
cblr-9983	1470	6	lab	lab	PROPN
cblr-9983	1470	7	.	.	PUNCT
cblr-9983	1470	8	,	,	PUNCT
cblr-9983	1470	9	174	174	NUM
cblr-9983	1470	10	f.3d	f.3d	NUM
cblr-9983	1470	11	206	206	NUM
cblr-9983	1470	12	,	,	PUNCT
cblr-9983	1470	13	208	208	NUM
cblr-9983	1470	14	(	(	PUNCT
cblr-9983	1470	15	d.c	d.c	PROPN
cblr-9983	1470	16	.	.	PROPN
cblr-9983	1470	17	cir	cir	PROPN
cblr-9983	1470	18	.	.	PROPN
cblr-9983	1470	19	1999	1999	NUM
cblr-9983	1470	20	)	)	PUNCT
cblr-9983	1470	21	.	.	PUNCT
cblr-9983	1471	1	no	no	INTJ
cblr-9983	1471	2	.	.	PUNCT
cblr-9983	1472	1	1:279	1:279	NOUN
cblr-9983	1472	2	]	]	X
cblr-9983	1472	3	bank	bank	NOUN
cblr-9983	1472	4	supervision	supervision	NOUN
cblr-9983	1472	5	and	and	CCONJ
cblr-9983	1472	6	administrative	administrative	ADJ
cblr-9983	1472	7	law	law	NOUN
cblr-9983	1472	8	361	361	NUM
cblr-9983	1472	9	guidance	guidance	NOUN
cblr-9983	1472	10	certainly	certainly	ADV
cblr-9983	1472	11	reflected	reflect	VERB
cblr-9983	1472	12	an	an	DET
cblr-9983	1472	13	agency	agency	NOUN
cblr-9983	1472	14	policy	policy	NOUN
cblr-9983	1472	15	,	,	PUNCT
cblr-9983	1472	16	the	the	DET
cblr-9983	1472	17	policy	policy	NOUN
cblr-9983	1472	18	was	be	AUX
cblr-9983	1472	19	applied	apply	VERB
cblr-9983	1472	20	to	to	ADP
cblr-9983	1472	21	the	the	DET
cblr-9983	1472	22	“	"	PUNCT
cblr-9983	1472	23	particular	particular	ADJ
cblr-9983	1472	24	situation,”246	situation,”246	NOUN
cblr-9983	1472	25	and	and	CCONJ
cblr-9983	1472	26	the	the	DET
cblr-9983	1472	27	conclusion	conclusion	NOUN
cblr-9983	1472	28	that	that	SCONJ
cblr-9983	1472	29	the	the	DET
cblr-9983	1472	30	bank	bank	NOUN
cblr-9983	1472	31	’s	’s	PART
cblr-9983	1472	32	practices	practice	NOUN
cblr-9983	1472	33	required	require	VERB
cblr-9983	1472	34	remediation	remediation	NOUN
cblr-9983	1472	35	was	be	AUX
cblr-9983	1472	36	in	in	ADP
cblr-9983	1472	37	fact	fact	NOUN
cblr-9983	1472	38	supportable	supportable	ADJ
cblr-9983	1472	39	without	without	ADP
cblr-9983	1472	40	reference	reference	NOUN
cblr-9983	1472	41	to	to	ADP
cblr-9983	1472	42	the	the	DET
cblr-9983	1472	43	guidance	guidance	NOUN
cblr-9983	1472	44	.	.	PUNCT
cblr-9983	1473	1	the	the	DET
cblr-9983	1473	2	bank	bank	NOUN
cblr-9983	1473	3	was	be	AUX
cblr-9983	1473	4	not	not	PART
cblr-9983	1473	5	“	"	PUNCT
cblr-9983	1473	6	practically	practically	ADV
cblr-9983	1473	7	bound	bind	VERB
cblr-9983	1473	8	”	"	PUNCT
cblr-9983	1473	9	to	to	PART
cblr-9983	1473	10	adopt	adopt	VERB
cblr-9983	1473	11	specific	specific	ADJ
cblr-9983	1473	12	practices	practice	NOUN
cblr-9983	1473	13	,	,	PUNCT
cblr-9983	1473	14	and	and	CCONJ
cblr-9983	1473	15	the	the	DET
cblr-9983	1473	16	supervisors	supervisor	NOUN
cblr-9983	1473	17	were	be	AUX
cblr-9983	1473	18	not	not	PART
cblr-9983	1473	19	practically	practically	ADV
cblr-9983	1473	20	bound	bound	ADJ
cblr-9983	1473	21	to	to	PART
cblr-9983	1473	22	find	find	VERB
cblr-9983	1473	23	the	the	DET
cblr-9983	1473	24	bank	bank	NOUN
cblr-9983	1473	25	’s	’s	PART
cblr-9983	1473	26	practices	practice	NOUN
cblr-9983	1473	27	problematic	problematic	ADJ
cblr-9983	1473	28	by	by	ADP
cblr-9983	1473	29	the	the	DET
cblr-9983	1473	30	fact	fact	NOUN
cblr-9983	1473	31	of	of	ADP
cblr-9983	1473	32	the	the	DET
cblr-9983	1473	33	guidance	guidance	NOUN
cblr-9983	1473	34	alone	alone	ADV
cblr-9983	1473	35	.	.	PUNCT
cblr-9983	1474	1	this	this	DET
cblr-9983	1474	2	last	last	ADJ
cblr-9983	1474	3	point	point	NOUN
cblr-9983	1474	4	suggests	suggest	VERB
cblr-9983	1474	5	that	that	SCONJ
cblr-9983	1474	6	,	,	PUNCT
cblr-9983	1474	7	as	as	ADP
cblr-9983	1474	8	with	with	ADP
cblr-9983	1474	9	the	the	DET
cblr-9983	1474	10	general	general	ADJ
cblr-9983	1474	11	electric	electric	ADJ
cblr-9983	1474	12	formulation	formulation	NOUN
cblr-9983	1474	13	,	,	PUNCT
cblr-9983	1474	14	the	the	DET
cblr-9983	1474	15	fifth	fifth	ADJ
cblr-9983	1474	16	circuit	circuit	NOUN
cblr-9983	1474	17	’s	’s	PART
cblr-9983	1474	18	test	test	NOUN
cblr-9983	1474	19	of	of	ADP
cblr-9983	1474	20	whether	whether	SCONJ
cblr-9983	1474	21	the	the	DET
cblr-9983	1474	22	supervisors	supervisor	NOUN
cblr-9983	1474	23	are	be	AUX
cblr-9983	1474	24	“	"	PUNCT
cblr-9983	1474	25	genuinely	genuinely	ADJ
cblr-9983	1474	26	”	"	PUNCT
cblr-9983	1474	27	free	free	ADJ
cblr-9983	1474	28	to	to	PART
cblr-9983	1474	29	exercise	exercise	VERB
cblr-9983	1474	30	their	their	PRON
cblr-9983	1474	31	discretion	discretion	NOUN
cblr-9983	1474	32	may	may	AUX
cblr-9983	1474	33	accommodate	accommodate	VERB
cblr-9983	1474	34	arguments	argument	NOUN
cblr-9983	1474	35	on	on	ADP
cblr-9983	1474	36	both	both	DET
cblr-9983	1474	37	sides	side	NOUN
cblr-9983	1474	38	.	.	PUNCT
cblr-9983	1475	1	the	the	DET
cblr-9983	1475	2	bank	bank	NOUN
cblr-9983	1475	3	can	can	AUX
cblr-9983	1475	4	argue	argue	VERB
cblr-9983	1475	5	that	that	SCONJ
cblr-9983	1475	6	the	the	DET
cblr-9983	1475	7	guidance	guidance	NOUN
cblr-9983	1475	8	essentially	essentially	ADV
cblr-9983	1475	9	required	require	VERB
cblr-9983	1475	10	the	the	DET
cblr-9983	1475	11	supervisors	supervisor	NOUN
cblr-9983	1475	12	to	to	PART
cblr-9983	1475	13	take	take	VERB
cblr-9983	1475	14	action	action	NOUN
cblr-9983	1475	15	if	if	SCONJ
cblr-9983	1475	16	the	the	DET
cblr-9983	1475	17	bank	bank	NOUN
cblr-9983	1475	18	itself	itself	PRON
cblr-9983	1475	19	had	have	AUX
cblr-9983	1475	20	not	not	PART
cblr-9983	1475	21	,	,	PUNCT
cblr-9983	1475	22	for	for	ADP
cblr-9983	1475	23	example	example	NOUN
cblr-9983	1475	24	,	,	PUNCT
cblr-9983	1475	25	put	put	VERB
cblr-9983	1475	26	in	in	ADP
cblr-9983	1475	27	place	place	NOUN
cblr-9983	1475	28	procedures	procedure	NOUN
cblr-9983	1475	29	to	to	PART
cblr-9983	1475	30	evaluate	evaluate	VERB
cblr-9983	1475	31	assumptions	assumption	NOUN
cblr-9983	1475	32	and	and	CCONJ
cblr-9983	1475	33	“	"	PUNCT
cblr-9983	1475	34	alternative	alternative	ADJ
cblr-9983	1475	35	theories	theory	NOUN
cblr-9983	1475	36	.	.	PUNCT
cblr-9983	1475	37	”247	”247	PUNCT
cblr-9983	1476	1	the	the	DET
cblr-9983	1476	2	agency	agency	NOUN
cblr-9983	1476	3	,	,	PUNCT
cblr-9983	1476	4	again	again	ADV
cblr-9983	1476	5	,	,	PUNCT
cblr-9983	1476	6	could	could	AUX
cblr-9983	1476	7	argue	argue	VERB
cblr-9983	1476	8	that	that	SCONJ
cblr-9983	1476	9	the	the	DET
cblr-9983	1476	10	supervisors	supervisor	NOUN
cblr-9983	1476	11	evaluate	evaluate	VERB
cblr-9983	1476	12	model	model	NOUN
cblr-9983	1476	13	risk	risk	NOUN
cblr-9983	1476	14	management	management	NOUN
cblr-9983	1476	15	against	against	ADP
cblr-9983	1476	16	the	the	DET
cblr-9983	1476	17	potential	potential	NOUN
cblr-9983	1476	18	for	for	ADP
cblr-9983	1476	19	safety	safety	NOUN
cblr-9983	1476	20	or	or	CCONJ
cblr-9983	1476	21	soundness	soundness	NOUN
cblr-9983	1476	22	problems	problem	NOUN
cblr-9983	1476	23	,	,	PUNCT
cblr-9983	1476	24	and	and	CCONJ
cblr-9983	1476	25	that	that	SCONJ
cblr-9983	1476	26	they	they	PRON
cblr-9983	1476	27	retain	retain	VERB
cblr-9983	1476	28	discretion	discretion	NOUN
cblr-9983	1476	29	to	to	PART
cblr-9983	1476	30	decide	decide	VERB
cblr-9983	1476	31	in	in	ADP
cblr-9983	1476	32	each	each	DET
cblr-9983	1476	33	case	case	NOUN
cblr-9983	1476	34	whether	whether	SCONJ
cblr-9983	1476	35	a	a	DET
cblr-9983	1476	36	bank	bank	NOUN
cblr-9983	1476	37	’s	’s	PART
cblr-9983	1476	38	practices	practice	NOUN
cblr-9983	1476	39	meet	meet	VERB
cblr-9983	1476	40	that	that	DET
cblr-9983	1476	41	threshold	threshold	NOUN
cblr-9983	1476	42	.	.	PUNCT
cblr-9983	1477	1	the	the	DET
cblr-9983	1477	2	guidance	guidance	NOUN
cblr-9983	1477	3	,	,	PUNCT
cblr-9983	1477	4	in	in	ADP
cblr-9983	1477	5	other	other	ADJ
cblr-9983	1477	6	words	word	NOUN
cblr-9983	1477	7	,	,	PUNCT
cblr-9983	1477	8	is	be	AUX
cblr-9983	1477	9	just	just	ADV
cblr-9983	1477	10	that	that	PRON
cblr-9983	1477	11	.	.	PUNCT
cblr-9983	1478	1	by	by	ADP
cblr-9983	1478	2	now	now	ADV
cblr-9983	1478	3	the	the	DET
cblr-9983	1478	4	temptation	temptation	NOUN
cblr-9983	1478	5	,	,	PUNCT
cblr-9983	1478	6	if	if	SCONJ
cblr-9983	1478	7	not	not	PART
cblr-9983	1478	8	necessity	necessity	NOUN
cblr-9983	1478	9	,	,	PUNCT
cblr-9983	1478	10	for	for	SCONJ
cblr-9983	1478	11	a	a	DET
cblr-9983	1478	12	court	court	NOUN
cblr-9983	1478	13	to	to	PART
cblr-9983	1478	14	delve	delve	VERB
cblr-9983	1478	15	much	much	ADV
cblr-9983	1478	16	more	more	ADV
cblr-9983	1478	17	deeply	deeply	ADV
cblr-9983	1478	18	into	into	ADP
cblr-9983	1478	19	the	the	DET
cblr-9983	1478	20	facts	fact	NOUN
cblr-9983	1478	21	must	must	AUX
cblr-9983	1478	22	be	be	AUX
cblr-9983	1478	23	obvious	obvious	ADJ
cblr-9983	1478	24	.	.	PUNCT
cblr-9983	1479	1	will	will	AUX
cblr-9983	1479	2	a	a	DET
cblr-9983	1479	3	practice	practice	NOUN
cblr-9983	1479	4	of	of	ADP
cblr-9983	1479	5	conducting	conduct	VERB
cblr-9983	1479	6	lengthy	lengthy	ADJ
cblr-9983	1479	7	discussions	discussion	NOUN
cblr-9983	1479	8	among	among	ADP
cblr-9983	1479	9	supervisors	supervisor	NOUN
cblr-9983	1479	10	concerning	concern	VERB
cblr-9983	1479	11	the	the	DET
cblr-9983	1479	12	adequacy	adequacy	NOUN
cblr-9983	1479	13	of	of	ADP
cblr-9983	1479	14	a	a	DET
cblr-9983	1479	15	specific	specific	ADJ
cblr-9983	1479	16	bank	bank	NOUN
cblr-9983	1479	17	’s	’s	PART
cblr-9983	1479	18	practices	practice	NOUN
cblr-9983	1479	19	before	before	ADP
cblr-9983	1479	20	mras	mras	ADJ
cblr-9983	1479	21	are	be	AUX
cblr-9983	1479	22	issued	issue	VERB
cblr-9983	1479	23	or	or	CCONJ
cblr-9983	1479	24	ratings	rating	NOUN
cblr-9983	1479	25	changed	change	VERB
cblr-9983	1479	26	indicate	indicate	VERB
cblr-9983	1479	27	that	that	SCONJ
cblr-9983	1479	28	the	the	DET
cblr-9983	1479	29	guidance	guidance	NOUN
cblr-9983	1479	30	itself	itself	PRON
cblr-9983	1479	31	is	be	AUX
cblr-9983	1479	32	not	not	PART
cblr-9983	1479	33	really	really	ADV
cblr-9983	1479	34	binding	bind	VERB
cblr-9983	1479	35	,	,	PUNCT
cblr-9983	1479	36	even	even	ADV
cblr-9983	1479	37	if	if	SCONJ
cblr-9983	1479	38	it	it	PRON
cblr-9983	1479	39	is	be	AUX
cblr-9983	1479	40	mentioned	mention	VERB
cblr-9983	1479	41	?	?	PUNCT
cblr-9983	1480	1	must	must	AUX
cblr-9983	1480	2	a	a	DET
cblr-9983	1480	3	court	court	NOUN
cblr-9983	1480	4	inquire	inquire	VERB
cblr-9983	1480	5	not	not	PART
cblr-9983	1480	6	only	only	ADV
cblr-9983	1480	7	into	into	ADP
cblr-9983	1480	8	the	the	DET
cblr-9983	1480	9	decision	decision	NOUN
cblr-9983	1480	10	-	-	PUNCT
cblr-9983	1480	11	making	make	VERB
cblr-9983	1480	12	process	process	NOUN
cblr-9983	1480	13	for	for	SCONJ
cblr-9983	1480	14	the	the	DET
cblr-9983	1480	15	bank	bank	NOUN
cblr-9983	1480	16	challenging	challenge	VERB
cblr-9983	1480	17	the	the	DET
cblr-9983	1480	18	guidance	guidance	NOUN
cblr-9983	1480	19	,	,	PUNCT
cblr-9983	1480	20	but	but	CCONJ
cblr-9983	1480	21	also	also	ADV
cblr-9983	1480	22	the	the	DET
cblr-9983	1480	23	same	same	ADJ
cblr-9983	1480	24	process	process	NOUN
cblr-9983	1480	25	for	for	ADP
cblr-9983	1480	26	every	every	DET
cblr-9983	1480	27	bank	bank	NOUN
cblr-9983	1480	28	to	to	PART
cblr-9983	1480	29	which	which	PRON
cblr-9983	1480	30	the	the	DET
cblr-9983	1480	31	guidance	guidance	NOUN
cblr-9983	1480	32	applies	apply	VERB
cblr-9983	1480	33	,	,	PUNCT
cblr-9983	1480	34	in	in	ADP
cblr-9983	1480	35	order	order	NOUN
cblr-9983	1480	36	to	to	PART
cblr-9983	1480	37	learn	learn	VERB
cblr-9983	1480	38	how	how	SCONJ
cblr-9983	1480	39	much	much	ADJ
cblr-9983	1480	40	real	real	ADJ
cblr-9983	1480	41	discretion	discretion	NOUN
cblr-9983	1480	42	exists	exist	VERB
cblr-9983	1480	43	?	?	PUNCT
cblr-9983	1481	1	after	after	ADV
cblr-9983	1481	2	all	all	ADV
cblr-9983	1481	3	,	,	PUNCT
cblr-9983	1481	4	if	if	SCONJ
cblr-9983	1481	5	some	some	DET
cblr-9983	1481	6	banks	bank	NOUN
cblr-9983	1481	7	have	have	AUX
cblr-9983	1481	8	avoided	avoid	VERB
cblr-9983	1481	9	mras	mra	NOUN
cblr-9983	1481	10	and	and	CCONJ
cblr-9983	1481	11	ratings	rating	NOUN
cblr-9983	1481	12	downgrades	downgrade	VERB
cblr-9983	1481	13	even	even	ADV
cblr-9983	1481	14	where	where	SCONJ
cblr-9983	1481	15	their	their	PRON
cblr-9983	1481	16	systems	system	NOUN
cblr-9983	1481	17	do	do	AUX
cblr-9983	1481	18	not	not	PART
cblr-9983	1481	19	track	track	VERB
cblr-9983	1481	20	the	the	DET
cblr-9983	1481	21	guidance	guidance	NOUN
cblr-9983	1481	22	closely	closely	ADV
cblr-9983	1481	23	,	,	PUNCT
cblr-9983	1481	24	the	the	DET
cblr-9983	1481	25	agency	agency	NOUN
cblr-9983	1481	26	’s	’s	PART
cblr-9983	1481	27	arguments	argument	NOUN
cblr-9983	1481	28	that	that	SCONJ
cblr-9983	1481	29	the	the	DET
cblr-9983	1481	30	guidance	guidance	NOUN
cblr-9983	1481	31	is	be	AUX
cblr-9983	1481	32	not	not	PART
cblr-9983	1481	33	practically	practically	ADV
cblr-9983	1481	34	binding	binding	ADJ
cblr-9983	1481	35	in	in	ADP
cblr-9983	1481	36	the	the	DET
cblr-9983	1481	37	context	context	NOUN
cblr-9983	1481	38	of	of	ADP
cblr-9983	1481	39	the	the	DET
cblr-9983	1481	40	challenging	challenge	VERB
cblr-9983	1481	41	bank	bank	NOUN
cblr-9983	1481	42	will	will	AUX
cblr-9983	1481	43	be	be	AUX
cblr-9983	1481	44	strengthened	strengthen	VERB
cblr-9983	1481	45	.	.	PUNCT
cblr-9983	1482	1	on	on	ADP
cblr-9983	1482	2	the	the	DET
cblr-9983	1482	3	other	other	ADJ
cblr-9983	1482	4	hand	hand	NOUN
cblr-9983	1482	5	,	,	PUNCT
cblr-9983	1482	6	if	if	SCONJ
cblr-9983	1482	7	the	the	DET
cblr-9983	1482	8	failure	failure	NOUN
cblr-9983	1482	9	of	of	ADP
cblr-9983	1482	10	banks	bank	NOUN
cblr-9983	1482	11	to	to	ADP
cblr-9983	1482	12	246	246	NUM
cblr-9983	1482	13	pac	pac	PROPN
cblr-9983	1482	14	.	.	PUNCT
cblr-9983	1482	15	gas	gas	PROPN
cblr-9983	1482	16	&	&	CCONJ
cblr-9983	1482	17	electric	electric	PROPN
cblr-9983	1482	18	co.	co.	PROPN
cblr-9983	1482	19	,	,	PUNCT
cblr-9983	1482	20	506	506	NUM
cblr-9983	1482	21	f.2d	f.2d	NOUN
cblr-9983	1482	22	at	at	ADP
cblr-9983	1482	23	39	39	NUM
cblr-9983	1482	24	.	.	PUNCT
cblr-9983	1482	25	247	247	NUM
cblr-9983	1482	26	see	see	NOUN
cblr-9983	1482	27	model	model	NOUN
cblr-9983	1482	28	risk	risk	NOUN
cblr-9983	1482	29	guidance	guidance	NOUN
cblr-9983	1482	30	,	,	PUNCT
cblr-9983	1482	31	supra	supra	PROPN
cblr-9983	1482	32	note	note	PROPN
cblr-9983	1482	33	226	226	NUM
cblr-9983	1482	34	,	,	PUNCT
cblr-9983	1482	35	at	at	ADP
cblr-9983	1482	36	11	11	NUM
cblr-9983	1482	37	(	(	PUNCT
cblr-9983	1482	38	“	"	PUNCT
cblr-9983	1482	39	comparison	comparison	NOUN
cblr-9983	1482	40	to	to	ADP
cblr-9983	1482	41	alternative	alternative	ADJ
cblr-9983	1482	42	theories	theory	NOUN
cblr-9983	1482	43	and	and	CCONJ
cblr-9983	1482	44	approaches	approach	NOUN
cblr-9983	1482	45	should	should	AUX
cblr-9983	1482	46	be	be	AUX
cblr-9983	1482	47	included	include	VERB
cblr-9983	1482	48	.	.	PUNCT
cblr-9983	1482	49	”	"	PUNCT
cblr-9983	1482	50	)	)	PUNCT
cblr-9983	1482	51	.	.	PUNCT
cblr-9983	1483	1	362	362	NUM
cblr-9983	1483	2	columbia	columbia	PROPN
cblr-9983	1483	3	business	business	NOUN
cblr-9983	1483	4	law	law	PROPN
cblr-9983	1483	5	review	review	NOUN
cblr-9983	1483	6	[	[	X
cblr-9983	1483	7	vol	vol	NOUN
cblr-9983	1483	8	.	.	PUNCT
cblr-9983	1483	9	2022	2022	NUM
cblr-9983	1483	10	implement	implement	VERB
cblr-9983	1483	11	a	a	DET
cblr-9983	1483	12	kind	kind	NOUN
cblr-9983	1483	13	of	of	ADP
cblr-9983	1483	14	validation	validation	NOUN
cblr-9983	1483	15	practice	practice	NOUN
cblr-9983	1483	16	mentioned	mention	VERB
cblr-9983	1483	17	in	in	ADP
cblr-9983	1483	18	the	the	DET
cblr-9983	1483	19	guidance	guidance	NOUN
cblr-9983	1483	20	consistently	consistently	ADV
cblr-9983	1483	21	results	result	VERB
cblr-9983	1483	22	in	in	ADP
cblr-9983	1483	23	mras	mras	ADJ
cblr-9983	1483	24	being	be	AUX
cblr-9983	1483	25	issued	issue	VERB
cblr-9983	1483	26	,	,	PUNCT
cblr-9983	1483	27	does	do	AUX
cblr-9983	1483	28	at	at	ADP
cblr-9983	1483	29	least	least	ADJ
cblr-9983	1483	30	that	that	DET
cblr-9983	1483	31	piece	piece	NOUN
cblr-9983	1483	32	of	of	ADP
cblr-9983	1483	33	guidance	guidance	NOUN
cblr-9983	1483	34	begin	begin	VERB
cblr-9983	1483	35	to	to	PART
cblr-9983	1483	36	look	look	VERB
cblr-9983	1483	37	more	more	ADJ
cblr-9983	1483	38	“	"	PUNCT
cblr-9983	1483	39	binding”?248	binding”?248	ADJ
cblr-9983	1484	1	and	and	CCONJ
cblr-9983	1484	2	if	if	SCONJ
cblr-9983	1484	3	one	one	NUM
cblr-9983	1484	4	part	part	NOUN
cblr-9983	1484	5	of	of	ADP
cblr-9983	1484	6	the	the	DET
cblr-9983	1484	7	guidance	guidance	NOUN
cblr-9983	1484	8	is	be	AUX
cblr-9983	1484	9	quite	quite	ADV
cblr-9983	1484	10	specific	specific	ADJ
cblr-9983	1484	11	,	,	PUNCT
cblr-9983	1484	12	even	even	ADV
cblr-9983	1484	13	if	if	SCONJ
cblr-9983	1484	14	most	most	ADJ
cblr-9983	1484	15	of	of	ADP
cblr-9983	1484	16	the	the	DET
cblr-9983	1484	17	same	same	ADJ
cblr-9983	1484	18	guidance	guidance	NOUN
cblr-9983	1484	19	document	document	NOUN
cblr-9983	1484	20	is	be	AUX
cblr-9983	1484	21	not	not	PART
cblr-9983	1484	22	,	,	PUNCT
cblr-9983	1484	23	does	do	AUX
cblr-9983	1484	24	that	that	PRON
cblr-9983	1484	25	make	make	VERB
cblr-9983	1484	26	the	the	DET
cblr-9983	1484	27	guidance	guidance	NOUN
cblr-9983	1484	28	look	look	VERB
cblr-9983	1484	29	more	more	ADJ
cblr-9983	1484	30	binding?249	binding?249	NOUN
cblr-9983	1484	31	while	while	SCONJ
cblr-9983	1484	32	i	i	PRON
cblr-9983	1484	33	think	think	VERB
cblr-9983	1484	34	the	the	DET
cblr-9983	1484	35	agency	agency	NOUN
cblr-9983	1484	36	would	would	AUX
cblr-9983	1484	37	have	have	VERB
cblr-9983	1484	38	the	the	DET
cblr-9983	1484	39	better	well	ADJ
cblr-9983	1484	40	of	of	ADP
cblr-9983	1484	41	the	the	DET
cblr-9983	1484	42	argument	argument	NOUN
cblr-9983	1484	43	in	in	ADP
cblr-9983	1484	44	the	the	DET
cblr-9983	1484	45	hypothetical	hypothetical	ADJ
cblr-9983	1484	46	case	case	NOUN
cblr-9983	1484	47	presented	present	VERB
cblr-9983	1484	48	here	here	ADV
cblr-9983	1484	49	,	,	PUNCT
cblr-9983	1484	50	it	it	PRON
cblr-9983	1484	51	would	would	AUX
cblr-9983	1484	52	be	be	AUX
cblr-9983	1484	53	248	248	NUM
cblr-9983	1484	54	quite	quite	ADV
cblr-9983	1484	55	apart	apart	ADV
cblr-9983	1484	56	from	from	ADP
cblr-9983	1484	57	the	the	DET
cblr-9983	1484	58	potential	potential	ADJ
cblr-9983	1484	59	breadth	breadth	NOUN
cblr-9983	1484	60	and	and	CCONJ
cblr-9983	1484	61	complexity	complexity	NOUN
cblr-9983	1484	62	of	of	ADP
cblr-9983	1484	63	the	the	DET
cblr-9983	1484	64	inquiry	inquiry	NOUN
cblr-9983	1484	65	imagined	imagine	VERB
cblr-9983	1484	66	by	by	ADP
cblr-9983	1484	67	the	the	DET
cblr-9983	1484	68	questions	question	NOUN
cblr-9983	1484	69	in	in	ADP
cblr-9983	1484	70	the	the	DET
cblr-9983	1484	71	text	text	NOUN
cblr-9983	1484	72	,	,	PUNCT
cblr-9983	1484	73	there	there	PRON
cblr-9983	1484	74	could	could	AUX
cblr-9983	1484	75	be	be	AUX
cblr-9983	1484	76	practical	practical	ADJ
cblr-9983	1484	77	concerns	concern	NOUN
cblr-9983	1484	78	about	about	ADP
cblr-9983	1484	79	maintaining	maintain	VERB
cblr-9983	1484	80	the	the	DET
cblr-9983	1484	81	confidentiality	confidentiality	NOUN
cblr-9983	1484	82	of	of	ADP
cblr-9983	1484	83	supervisory	supervisory	ADJ
cblr-9983	1484	84	information	information	NOUN
cblr-9983	1484	85	pertaining	pertain	VERB
cblr-9983	1484	86	to	to	ADP
cblr-9983	1484	87	all	all	DET
cblr-9983	1484	88	the	the	DET
cblr-9983	1484	89	banks	bank	NOUN
cblr-9983	1484	90	not	not	PART
cblr-9983	1484	91	involved	involve	VERB
cblr-9983	1484	92	in	in	ADP
cblr-9983	1484	93	the	the	DET
cblr-9983	1484	94	litigation	litigation	NOUN
cblr-9983	1484	95	challenge	challenge	NOUN
cblr-9983	1484	96	by	by	ADP
cblr-9983	1484	97	one	one	NUM
cblr-9983	1484	98	bank	bank	NOUN
cblr-9983	1484	99	to	to	ADP
cblr-9983	1484	100	agency	agency	NOUN
cblr-9983	1484	101	guidance	guidance	NOUN
cblr-9983	1484	102	.	.	PUNCT
cblr-9983	1485	1	249	249	NUM
cblr-9983	1485	2	for	for	ADP
cblr-9983	1485	3	example	example	NOUN
cblr-9983	1485	4	,	,	PUNCT
cblr-9983	1485	5	the	the	DET
cblr-9983	1485	6	interagency	interagency	NOUN
cblr-9983	1485	7	guidance	guidance	NOUN
cblr-9983	1485	8	on	on	ADP
cblr-9983	1485	9	leveraged	leveraged	ADJ
cblr-9983	1485	10	lending	lending	NOUN
cblr-9983	1485	11	,	,	PUNCT
cblr-9983	1485	12	78	78	NUM
cblr-9983	1485	13	fed	feed	VERB
cblr-9983	1485	14	.	.	PUNCT
cblr-9983	1486	1	reg	reg	PROPN
cblr-9983	1486	2	.	.	PUNCT
cblr-9983	1487	1	17,766	17,766	NUM
cblr-9983	1487	2	(	(	PUNCT
cblr-9983	1487	3	notice	notice	PROPN
cblr-9983	1487	4	mar	mar	PROPN
cblr-9983	1487	5	.	.	PROPN
cblr-9983	1487	6	22	22	NUM
cblr-9983	1487	7	,	,	PUNCT
cblr-9983	1487	8	2013	2013	NUM
cblr-9983	1487	9	)	)	PUNCT
cblr-9983	1487	10	largely	largely	ADV
cblr-9983	1487	11	took	take	VERB
cblr-9983	1487	12	the	the	DET
cblr-9983	1487	13	same	same	ADJ
cblr-9983	1487	14	approach	approach	NOUN
cblr-9983	1487	15	as	as	ADP
cblr-9983	1487	16	the	the	DET
cblr-9983	1487	17	model	model	NOUN
cblr-9983	1487	18	risk	risk	NOUN
cblr-9983	1487	19	guidance	guidance	NOUN
cblr-9983	1487	20	,	,	PUNCT
cblr-9983	1487	21	supra	supra	PROPN
cblr-9983	1487	22	note	note	NOUN
cblr-9983	1487	23	226	226	NUM
cblr-9983	1487	24	—	—	PUNCT
cblr-9983	1487	25	that	that	ADV
cblr-9983	1487	26	is	is	ADV
cblr-9983	1487	27	,	,	PUNCT
cblr-9983	1487	28	a	a	DET
cblr-9983	1487	29	lengthy	lengthy	ADJ
cblr-9983	1487	30	explanation	explanation	NOUN
cblr-9983	1487	31	of	of	ADP
cblr-9983	1487	32	risks	risk	NOUN
cblr-9983	1487	33	,	,	PUNCT
cblr-9983	1487	34	along	along	ADP
cblr-9983	1487	35	with	with	ADP
cblr-9983	1487	36	various	various	ADJ
cblr-9983	1487	37	fairly	fairly	ADV
cblr-9983	1487	38	generally	generally	ADV
cblr-9983	1487	39	stated	state	VERB
cblr-9983	1487	40	considerations	consideration	NOUN
cblr-9983	1487	41	and	and	CCONJ
cblr-9983	1487	42	concerns	concern	NOUN
cblr-9983	1487	43	for	for	ADP
cblr-9983	1487	44	managing	manage	VERB
cblr-9983	1487	45	risks	risk	NOUN
cblr-9983	1487	46	.	.	PUNCT
cblr-9983	1488	1	but	but	CCONJ
cblr-9983	1488	2	it	it	PRON
cblr-9983	1488	3	also	also	ADV
cblr-9983	1488	4	included	include	VERB
cblr-9983	1488	5	the	the	DET
cblr-9983	1488	6	following	following	NOUN
cblr-9983	1488	7	:	:	PUNCT
cblr-9983	1488	8	“	"	PUNCT
cblr-9983	1488	9	generally	generally	ADV
cblr-9983	1488	10	,	,	PUNCT
cblr-9983	1488	11	a	a	DET
cblr-9983	1488	12	leverage	leverage	NOUN
cblr-9983	1488	13	level	level	NOUN
cblr-9983	1488	14	after	after	ADP
cblr-9983	1488	15	planned	plan	VERB
cblr-9983	1488	16	asset	asset	NOUN
cblr-9983	1488	17	sales	sale	NOUN
cblr-9983	1488	18	(	(	PUNCT
cblr-9983	1488	19	that	that	ADV
cblr-9983	1488	20	is	is	ADV
cblr-9983	1488	21	,	,	PUNCT
cblr-9983	1488	22	the	the	DET
cblr-9983	1488	23	amount	amount	NOUN
cblr-9983	1488	24	of	of	ADP
cblr-9983	1488	25	debt	debt	NOUN
cblr-9983	1488	26	that	that	PRON
cblr-9983	1488	27	must	must	AUX
cblr-9983	1488	28	be	be	AUX
cblr-9983	1488	29	serviced	service	VERB
cblr-9983	1488	30	from	from	ADP
cblr-9983	1488	31	operating	operate	VERB
cblr-9983	1488	32	cash	cash	NOUN
cblr-9983	1488	33	flow	flow	NOUN
cblr-9983	1488	34	)	)	PUNCT
cblr-9983	1488	35	in	in	ADP
cblr-9983	1488	36	excess	excess	NOUN
cblr-9983	1488	37	of	of	ADP
cblr-9983	1488	38	6x	6x	NUM
cblr-9983	1488	39	total	total	ADJ
cblr-9983	1488	40	debt	debt	NOUN
cblr-9983	1488	41	/	/	SYM
cblr-9983	1488	42	ebitda	ebitda	NOUN
cblr-9983	1488	43	raises	raise	VERB
cblr-9983	1488	44	concerns	concern	NOUN
cblr-9983	1488	45	for	for	ADP
cblr-9983	1488	46	most	most	ADJ
cblr-9983	1488	47	industries	industry	NOUN
cblr-9983	1488	48	[	[	X
cblr-9983	1488	49	.	.	X
cblr-9983	1488	50	]	]	X
cblr-9983	1488	51	”	"	PUNCT
cblr-9983	1488	52	interagency	interagency	NOUN
cblr-9983	1488	53	guidance	guidance	NOUN
cblr-9983	1488	54	on	on	ADP
cblr-9983	1488	55	leveraged	leveraged	ADJ
cblr-9983	1488	56	lending	lending	NOUN
cblr-9983	1488	57	,	,	PUNCT
cblr-9983	1488	58	78	78	NUM
cblr-9983	1488	59	fed	feed	VERB
cblr-9983	1488	60	.	.	PUNCT
cblr-9983	1489	1	reg	reg	PROPN
cblr-9983	1489	2	.	.	PUNCT
cblr-9983	1490	1	at	at	ADP
cblr-9983	1490	2	17,773	17,773	NUM
cblr-9983	1490	3	.	.	PUNCT
cblr-9983	1491	1	while	while	SCONJ
cblr-9983	1491	2	the	the	DET
cblr-9983	1491	3	qualified	qualified	ADJ
cblr-9983	1491	4	“	"	PUNCT
cblr-9983	1491	5	generally	generally	ADV
cblr-9983	1491	6	”	"	PUNCT
cblr-9983	1491	7	suggested	suggest	VERB
cblr-9983	1491	8	that	that	SCONJ
cblr-9983	1491	9	not	not	PART
cblr-9983	1491	10	every	every	DET
cblr-9983	1491	11	loan	loan	NOUN
cblr-9983	1491	12	greater	great	ADJ
cblr-9983	1491	13	than	than	ADP
cblr-9983	1491	14	six	six	NUM
cblr-9983	1491	15	times	time	NOUN
cblr-9983	1491	16	ebitda	ebitda	NOUN
cblr-9983	1491	17	(	(	PUNCT
cblr-9983	1491	18	earnings	earning	NOUN
cblr-9983	1491	19	before	before	ADP
cblr-9983	1491	20	interest	interest	NOUN
cblr-9983	1491	21	,	,	PUNCT
cblr-9983	1491	22	taxes	taxis	NOUN
cblr-9983	1491	23	,	,	PUNCT
cblr-9983	1491	24	depreciation	depreciation	NOUN
cblr-9983	1491	25	,	,	PUNCT
cblr-9983	1491	26	and	and	CCONJ
cblr-9983	1491	27	amortization	amortization	NOUN
cblr-9983	1491	28	)	)	PUNCT
cblr-9983	1491	29	posed	pose	VERB
cblr-9983	1491	30	a	a	DET
cblr-9983	1491	31	safety	safety	NOUN
cblr-9983	1491	32	and	and	CCONJ
cblr-9983	1491	33	soundness	soundness	NOUN
cblr-9983	1491	34	risk	risk	NOUN
cblr-9983	1491	35	,	,	PUNCT
cblr-9983	1491	36	and	and	CCONJ
cblr-9983	1491	37	in	in	ADP
cblr-9983	1491	38	fact	fact	NOUN
cblr-9983	1491	39	numerous	numerous	ADJ
cblr-9983	1491	40	banks	bank	NOUN
cblr-9983	1491	41	continued	continue	VERB
cblr-9983	1491	42	to	to	PART
cblr-9983	1491	43	make	make	VERB
cblr-9983	1491	44	such	such	ADJ
cblr-9983	1491	45	loans	loan	NOUN
cblr-9983	1491	46	following	follow	VERB
cblr-9983	1491	47	the	the	DET
cblr-9983	1491	48	issuance	issuance	NOUN
cblr-9983	1491	49	of	of	ADP
cblr-9983	1491	50	the	the	DET
cblr-9983	1491	51	guidance	guidance	NOUN
cblr-9983	1491	52	,	,	PUNCT
cblr-9983	1491	53	banks	bank	NOUN
cblr-9983	1491	54	might	might	AUX
cblr-9983	1491	55	have	have	AUX
cblr-9983	1491	56	argued	argue	VERB
cblr-9983	1491	57	that	that	SCONJ
cblr-9983	1491	58	the	the	DET
cblr-9983	1491	59	specificity	specificity	NOUN
cblr-9983	1491	60	of	of	ADP
cblr-9983	1491	61	the	the	DET
cblr-9983	1491	62	formula	formula	NOUN
cblr-9983	1491	63	had	have	AUX
cblr-9983	1491	64	effectively	effectively	ADV
cblr-9983	1491	65	removed	remove	VERB
cblr-9983	1491	66	line	line	NOUN
cblr-9983	1491	67	supervisors	supervisor	NOUN
cblr-9983	1491	68	’	'	PUNCT
cblr-9983	1491	69	discretion	discretion	NOUN
cblr-9983	1491	70	,	,	PUNCT
cblr-9983	1491	71	at	at	ADP
cblr-9983	1491	72	least	least	ADJ
cblr-9983	1491	73	to	to	ADP
cblr-9983	1491	74	the	the	DET
cblr-9983	1491	75	degree	degree	NOUN
cblr-9983	1491	76	of	of	ADP
cblr-9983	1491	77	requiring	require	VERB
cblr-9983	1491	78	an	an	DET
cblr-9983	1491	79	examination	examination	NOUN
cblr-9983	1491	80	of	of	ADP
cblr-9983	1491	81	any	any	DET
cblr-9983	1491	82	such	such	ADJ
cblr-9983	1491	83	loans	loan	NOUN
cblr-9983	1491	84	.	.	PUNCT
cblr-9983	1492	1	that	that	ADV
cblr-9983	1492	2	is	is	ADV
cblr-9983	1492	3	,	,	PUNCT
cblr-9983	1492	4	the	the	DET
cblr-9983	1492	5	bright	bright	ADJ
cblr-9983	1492	6	line	line	NOUN
cblr-9983	1492	7	established	establish	VERB
cblr-9983	1492	8	by	by	ADP
cblr-9983	1492	9	the	the	DET
cblr-9983	1492	10	guidance	guidance	NOUN
cblr-9983	1492	11	itself	itself	PRON
cblr-9983	1492	12	made	make	VERB
cblr-9983	1492	13	it	it	PRON
cblr-9983	1492	14	more	more	ADV
cblr-9983	1492	15	“	"	PUNCT
cblr-9983	1492	16	binding	bind	VERB
cblr-9983	1492	17	.	.	PUNCT
cblr-9983	1492	18	”	"	PUNCT
cblr-9983	1493	1	in	in	ADP
cblr-9983	1493	2	fact	fact	NOUN
cblr-9983	1493	3	,	,	PUNCT
cblr-9983	1493	4	supervisory	supervisory	ADJ
cblr-9983	1493	5	discretion	discretion	NOUN
cblr-9983	1493	6	to	to	PART
cblr-9983	1493	7	decline	decline	VERB
cblr-9983	1493	8	to	to	PART
cblr-9983	1493	9	act	act	VERB
cblr-9983	1493	10	in	in	ADP
cblr-9983	1493	11	the	the	DET
cblr-9983	1493	12	fact	fact	NOUN
cblr-9983	1493	13	of	of	ADP
cblr-9983	1493	14	such	such	ADJ
cblr-9983	1493	15	loans	loan	NOUN
cblr-9983	1493	16	remained	remain	VERB
cblr-9983	1493	17	.	.	PUNCT
cblr-9983	1494	1	but	but	CCONJ
cblr-9983	1494	2	it	it	PRON
cblr-9983	1494	3	is	be	AUX
cblr-9983	1494	4	certainly	certainly	ADV
cblr-9983	1494	5	the	the	DET
cblr-9983	1494	6	case	case	NOUN
cblr-9983	1494	7	that	that	SCONJ
cblr-9983	1494	8	the	the	DET
cblr-9983	1494	9	objective	objective	ADJ
cblr-9983	1494	10	formulation	formulation	NOUN
cblr-9983	1494	11	provided	provide	VERB
cblr-9983	1494	12	a	a	DET
cblr-9983	1494	13	starting	starting	NOUN
cblr-9983	1494	14	point	point	NOUN
cblr-9983	1494	15	for	for	ADP
cblr-9983	1494	16	supervisors	supervisor	NOUN
cblr-9983	1494	17	in	in	ADP
cblr-9983	1494	18	the	the	DET
cblr-9983	1494	19	effort	effort	NOUN
cblr-9983	1494	20	to	to	PART
cblr-9983	1494	21	moderate	moderate	VERB
cblr-9983	1494	22	the	the	DET
cblr-9983	1494	23	growth	growth	NOUN
cblr-9983	1494	24	of	of	ADP
cblr-9983	1494	25	what	what	PRON
cblr-9983	1494	26	appeared	appear	VERB
cblr-9983	1494	27	to	to	PART
cblr-9983	1494	28	be	be	AUX
cblr-9983	1494	29	inadequately	inadequately	ADV
cblr-9983	1494	30	underwritten	underwrite	VERB
cblr-9983	1494	31	leveraged	leveraged	ADJ
cblr-9983	1494	32	loans	loan	NOUN
cblr-9983	1494	33	.	.	PUNCT
cblr-9983	1495	1	still	still	ADV
cblr-9983	1495	2	,	,	PUNCT
cblr-9983	1495	3	the	the	DET
cblr-9983	1495	4	starting	starting	NOUN
cblr-9983	1495	5	point	point	NOUN
cblr-9983	1495	6	was	be	AUX
cblr-9983	1495	7	just	just	ADV
cblr-9983	1495	8	that	that	PRON
cblr-9983	1495	9	.	.	PUNCT
cblr-9983	1496	1	the	the	DET
cblr-9983	1496	2	subsequent	subsequent	ADJ
cblr-9983	1496	3	supervisory	supervisory	ADJ
cblr-9983	1496	4	inquiry	inquiry	NOUN
cblr-9983	1496	5	engaged	engage	VERB
cblr-9983	1496	6	bank	bank	NOUN
cblr-9983	1496	7	officials	official	NOUN
cblr-9983	1496	8	,	,	PUNCT
cblr-9983	1496	9	who	who	PRON
cblr-9983	1496	10	could	could	AUX
cblr-9983	1496	11	(	(	PUNCT
cblr-9983	1496	12	and	and	CCONJ
cblr-9983	1496	13	did	do	AUX
cblr-9983	1496	14	)	)	PUNCT
cblr-9983	1496	15	try	try	VERB
cblr-9983	1496	16	to	to	PART
cblr-9983	1496	17	show	show	VERB
cblr-9983	1496	18	why	why	SCONJ
cblr-9983	1496	19	the	the	DET
cblr-9983	1496	20	loans	loan	NOUN
cblr-9983	1496	21	in	in	ADP
cblr-9983	1496	22	question	question	NOUN
cblr-9983	1496	23	were	be	AUX
cblr-9983	1496	24	not	not	PART
cblr-9983	1496	25	excessively	excessively	ADV
cblr-9983	1496	26	risky	risky	ADJ
cblr-9983	1496	27	because	because	SCONJ
cblr-9983	1496	28	of	of	ADP
cblr-9983	1496	29	factors	factor	NOUN
cblr-9983	1496	30	not	not	PART
cblr-9983	1496	31	captured	capture	VERB
cblr-9983	1496	32	in	in	ADP
cblr-9983	1496	33	the	the	DET
cblr-9983	1496	34	ebitda	ebitda	PROPN
cblr-9983	1496	35	metric	metric	NOUN
cblr-9983	1496	36	.	.	PUNCT
cblr-9983	1497	1	in	in	ADP
cblr-9983	1497	2	fact	fact	NOUN
cblr-9983	1497	3	,	,	PUNCT
cblr-9983	1497	4	the	the	DET
cblr-9983	1497	5	complaint	complaint	NOUN
cblr-9983	1497	6	of	of	ADP
cblr-9983	1497	7	banks	bank	NOUN
cblr-9983	1497	8	and	and	CCONJ
cblr-9983	1497	9	their	their	PRON
cblr-9983	1497	10	supporters	supporter	NOUN
cblr-9983	1497	11	about	about	ADP
cblr-9983	1497	12	more	more	ADV
cblr-9983	1497	13	precise	precise	ADJ
cblr-9983	1497	14	thresholds	threshold	NOUN
cblr-9983	1497	15	such	such	ADJ
cblr-9983	1497	16	as	as	ADP
cblr-9983	1497	17	the	the	DET
cblr-9983	1497	18	ebitda	ebitda	NOUN
cblr-9983	1497	19	formula	formula	NOUN
cblr-9983	1497	20	is	be	AUX
cblr-9983	1497	21	somewhat	somewhat	ADV
cblr-9983	1497	22	ironic	ironic	ADJ
cblr-9983	1497	23	since	since	SCONJ
cblr-9983	1497	24	banks	bank	NOUN
cblr-9983	1497	25	themselves	themselves	PRON
cblr-9983	1497	26	often	often	ADV
cblr-9983	1497	27	ask	ask	VERB
cblr-9983	1497	28	for	for	ADP
cblr-9983	1497	29	such	such	ADJ
cblr-9983	1497	30	specifics	specific	NOUN
cblr-9983	1497	31	to	to	PART
cblr-9983	1497	32	help	help	VERB
cblr-9983	1497	33	them	they	PRON
cblr-9983	1497	34	better	well	ADV
cblr-9983	1497	35	manage	manage	VERB
cblr-9983	1497	36	their	their	PRON
cblr-9983	1497	37	own	own	ADJ
cblr-9983	1497	38	supervisory	supervisory	ADJ
cblr-9983	1497	39	relationships	relationship	NOUN
cblr-9983	1497	40	.	.	PUNCT
cblr-9983	1498	1	a	a	PRON
cblr-9983	1498	2	cynical	cynical	ADJ
cblr-9983	1498	3	,	,	PUNCT
cblr-9983	1498	4	but	but	CCONJ
cblr-9983	1498	5	perhaps	perhaps	ADV
cblr-9983	1498	6	accurate	accurate	ADJ
cblr-9983	1498	7	,	,	PUNCT
cblr-9983	1498	8	view	view	NOUN
cblr-9983	1498	9	is	be	AUX
cblr-9983	1498	10	that	that	SCONJ
cblr-9983	1498	11	banks	bank	NOUN
cblr-9983	1498	12	are	be	AUX
cblr-9983	1498	13	in	in	ADP
cblr-9983	1498	14	favor	favor	NOUN
cblr-9983	1498	15	of	of	ADP
cblr-9983	1498	16	bright	bright	ADJ
cblr-9983	1498	17	line	line	NOUN
cblr-9983	1498	18	guidance	guidance	NOUN
cblr-9983	1498	19	thresholds	threshold	NOUN
cblr-9983	1498	20	providing	provide	VERB
cblr-9983	1498	21	safe	safe	ADJ
cblr-9983	1498	22	harbors	harbor	NOUN
cblr-9983	1498	23	but	but	CCONJ
cblr-9983	1498	24	not	not	PART
cblr-9983	1498	25	bright	bright	ADJ
cblr-9983	1498	26	line	line	NOUN
cblr-9983	1498	27	thresholds	threshold	NOUN
cblr-9983	1498	28	resulting	result	VERB
cblr-9983	1498	29	in	in	ADP
cblr-9983	1498	30	greater	great	ADJ
cblr-9983	1498	31	supervisory	supervisory	ADJ
cblr-9983	1498	32	scrutiny	scrutiny	NOUN
cblr-9983	1498	33	.	.	PUNCT
cblr-9983	1499	1	no	no	INTJ
cblr-9983	1499	2	.	.	PUNCT
cblr-9983	1500	1	1:279	1:279	NOUN
cblr-9983	1500	2	]	]	X
cblr-9983	1500	3	bank	bank	NOUN
cblr-9983	1500	4	supervision	supervision	NOUN
cblr-9983	1500	5	and	and	CCONJ
cblr-9983	1500	6	administrative	administrative	ADJ
cblr-9983	1500	7	law	law	NOUN
cblr-9983	1500	8	363	363	NUM
cblr-9983	1500	9	rash	rash	ADJ
cblr-9983	1500	10	to	to	PART
cblr-9983	1500	11	predict	predict	VERB
cblr-9983	1500	12	with	with	ADP
cblr-9983	1500	13	certainty	certainty	NOUN
cblr-9983	1500	14	how	how	SCONJ
cblr-9983	1500	15	a	a	DET
cblr-9983	1500	16	court	court	NOUN
cblr-9983	1500	17	would	would	AUX
cblr-9983	1500	18	decide	decide	VERB
cblr-9983	1500	19	.	.	PUNCT
cblr-9983	1501	1	the	the	DET
cblr-9983	1501	2	muddled	muddled	ADJ
cblr-9983	1501	3	state	state	NOUN
cblr-9983	1501	4	of	of	ADP
cblr-9983	1501	5	doctrine	doctrine	NOUN
cblr-9983	1501	6	on	on	ADP
cblr-9983	1501	7	the	the	DET
cblr-9983	1501	8	policy	policy	NOUN
cblr-9983	1501	9	statement	statement	NOUN
cblr-9983	1501	10	exception	exception	NOUN
cblr-9983	1501	11	to	to	ADP
cblr-9983	1501	12	notice	notice	VERB
cblr-9983	1501	13	-	-	PUNCT
cblr-9983	1501	14	and	and	CCONJ
cblr-9983	1501	15	-	-	PUNCT
cblr-9983	1501	16	comment	comment	NOUN
cblr-9983	1501	17	requirements	requirement	NOUN
cblr-9983	1501	18	may	may	AUX
cblr-9983	1501	19	be	be	AUX
cblr-9983	1501	20	due	due	ADJ
cblr-9983	1501	21	in	in	ADP
cblr-9983	1501	22	part	part	NOUN
cblr-9983	1501	23	to	to	ADP
cblr-9983	1501	24	its	its	PRON
cblr-9983	1501	25	being	be	AUX
cblr-9983	1501	26	often	often	ADV
cblr-9983	1501	27	bound	bind	VERB
cblr-9983	1501	28	up	up	ADP
cblr-9983	1501	29	with	with	ADP
cblr-9983	1501	30	the	the	DET
cblr-9983	1501	31	closely	closely	ADV
cblr-9983	1501	32	related	related	ADJ
cblr-9983	1501	33	doctrine	doctrine	NOUN
cblr-9983	1501	34	of	of	ADP
cblr-9983	1501	35	administrative	administrative	ADJ
cblr-9983	1501	36	finality	finality	NOUN
cblr-9983	1501	37	,	,	PUNCT
cblr-9983	1501	38	and	and	CCONJ
cblr-9983	1501	39	in	in	ADP
cblr-9983	1501	40	part	part	NOUN
cblr-9983	1501	41	to	to	ADP
cblr-9983	1501	42	differing	differ	VERB
cblr-9983	1501	43	predispositions	predisposition	NOUN
cblr-9983	1501	44	among	among	ADP
cblr-9983	1501	45	circuit	circuit	NOUN
cblr-9983	1501	46	court	court	NOUN
cblr-9983	1501	47	judges	judge	NOUN
cblr-9983	1501	48	.	.	PUNCT
cblr-9983	1502	1	but	but	CCONJ
cblr-9983	1502	2	it	it	PRON
cblr-9983	1502	3	is	be	AUX
cblr-9983	1502	4	probably	probably	ADV
cblr-9983	1502	5	also	also	ADV
cblr-9983	1502	6	a	a	DET
cblr-9983	1502	7	byproduct	byproduct	NOUN
cblr-9983	1502	8	of	of	ADP
cblr-9983	1502	9	the	the	DET
cblr-9983	1502	10	way	way	NOUN
cblr-9983	1502	11	in	in	ADP
cblr-9983	1502	12	which	which	PRON
cblr-9983	1502	13	cases	case	NOUN
cblr-9983	1502	14	posing	pose	VERB
cblr-9983	1502	15	this	this	DET
cblr-9983	1502	16	issue	issue	NOUN
cblr-9983	1502	17	are	be	AUX
cblr-9983	1502	18	presented	present	VERB
cblr-9983	1502	19	to	to	ADP
cblr-9983	1502	20	courts	court	NOUN
cblr-9983	1502	21	,	,	PUNCT
cblr-9983	1502	22	an	an	DET
cblr-9983	1502	23	explanation	explanation	NOUN
cblr-9983	1502	24	to	to	PART
cblr-9983	1502	25	which	which	PRON
cblr-9983	1502	26	i	i	PRON
cblr-9983	1502	27	now	now	ADV
cblr-9983	1502	28	turn	turn	VERB
cblr-9983	1502	29	as	as	ADP
cblr-9983	1502	30	a	a	DET
cblr-9983	1502	31	prelude	prelude	NOUN
cblr-9983	1502	32	to	to	ADP
cblr-9983	1502	33	offering	offer	VERB
cblr-9983	1502	34	an	an	DET
cblr-9983	1502	35	alternative	alternative	ADJ
cblr-9983	1502	36	approach	approach	NOUN
cblr-9983	1502	37	to	to	ADP
cblr-9983	1502	38	administrative	administrative	ADJ
cblr-9983	1502	39	law	law	NOUN
cblr-9983	1502	40	’s	’s	PART
cblr-9983	1502	41	application	application	NOUN
cblr-9983	1502	42	to	to	ADP
cblr-9983	1502	43	banking	banking	NOUN
cblr-9983	1502	44	supervision	supervision	NOUN
cblr-9983	1502	45	.	.	PUNCT
cblr-9983	1503	1	3	3	X
cblr-9983	1503	2	.	.	X
cblr-9983	1503	3	the	the	DET
cblr-9983	1503	4	poor	poor	ADJ
cblr-9983	1503	5	fit	fit	NOUN
cblr-9983	1503	6	between	between	ADP
cblr-9983	1503	7	doctrine	doctrine	NOUN
cblr-9983	1503	8	and	and	CCONJ
cblr-9983	1503	9	the	the	DET
cblr-9983	1503	10	supervisory	supervisory	ADJ
cblr-9983	1503	11	function	function	VERB
cblr-9983	1503	12	the	the	DET
cblr-9983	1503	13	hypothetical	hypothetical	ADJ
cblr-9983	1503	14	fashioned	fashioned	NOUN
cblr-9983	1503	15	for	for	ADP
cblr-9983	1503	16	the	the	DET
cblr-9983	1503	17	preceding	precede	VERB
cblr-9983	1503	18	discussion	discussion	NOUN
cblr-9983	1503	19	was	be	AUX
cblr-9983	1503	20	designed	design	VERB
cblr-9983	1503	21	to	to	PART
cblr-9983	1503	22	present	present	VERB
cblr-9983	1503	23	a	a	DET
cblr-9983	1503	24	somewhat	somewhat	ADV
cblr-9983	1503	25	difficult	difficult	ADJ
cblr-9983	1503	26	case	case	NOUN
cblr-9983	1503	27	under	under	ADP
cblr-9983	1503	28	current	current	ADJ
cblr-9983	1503	29	doctrine	doctrine	NOUN
cblr-9983	1503	30	.	.	PUNCT
cblr-9983	1504	1	to	to	PART
cblr-9983	1504	2	illustrate	illustrate	VERB
cblr-9983	1504	3	the	the	DET
cblr-9983	1504	4	mismatch	mismatch	NOUN
cblr-9983	1504	5	between	between	ADP
cblr-9983	1504	6	current	current	ADJ
cblr-9983	1504	7	administrative	administrative	ADJ
cblr-9983	1504	8	law	law	NOUN
cblr-9983	1504	9	doctrine	doctrine	NOUN
cblr-9983	1504	10	and	and	CCONJ
cblr-9983	1504	11	banking	banking	NOUN
cblr-9983	1504	12	supervision	supervision	NOUN
cblr-9983	1504	13	,	,	PUNCT
cblr-9983	1504	14	consider	consider	VERB
cblr-9983	1504	15	a	a	DET
cblr-9983	1504	16	variant	variant	NOUN
cblr-9983	1504	17	on	on	ADP
cblr-9983	1504	18	the	the	DET
cblr-9983	1504	19	hypothetical	hypothetical	ADJ
cblr-9983	1504	20	that	that	PRON
cblr-9983	1504	21	presents	present	VERB
cblr-9983	1504	22	a	a	DET
cblr-9983	1504	23	much	much	ADV
cblr-9983	1504	24	sharper	sharp	ADJ
cblr-9983	1504	25	case	case	NOUN
cblr-9983	1504	26	.	.	PUNCT
cblr-9983	1504	27	suppose	suppose	VERB
cblr-9983	1504	28	now	now	ADV
cblr-9983	1504	29	that	that	SCONJ
cblr-9983	1504	30	,	,	PUNCT
cblr-9983	1504	31	in	in	ADP
cblr-9983	1504	32	response	response	NOUN
cblr-9983	1504	33	to	to	ADP
cblr-9983	1504	34	the	the	DET
cblr-9983	1504	35	growing	grow	VERB
cblr-9983	1504	36	use	use	NOUN
cblr-9983	1504	37	of	of	ADP
cblr-9983	1504	38	artificial	artificial	ADJ
cblr-9983	1504	39	intelligence	intelligence	NOUN
cblr-9983	1504	40	(	(	PUNCT
cblr-9983	1504	41	ai	ai	NOUN
cblr-9983	1504	42	)	)	PUNCT
cblr-9983	1504	43	in	in	ADP
cblr-9983	1504	44	credit	credit	NOUN
cblr-9983	1504	45	models	model	NOUN
cblr-9983	1504	46	intended	intend	VERB
cblr-9983	1504	47	to	to	PART
cblr-9983	1504	48	largely	largely	ADV
cblr-9983	1504	49	displace	displace	VERB
cblr-9983	1504	50	humans	human	NOUN
cblr-9983	1504	51	from	from	ADP
cblr-9983	1504	52	involvement	involvement	NOUN
cblr-9983	1504	53	in	in	ADP
cblr-9983	1504	54	certain	certain	ADJ
cblr-9983	1504	55	classes	class	NOUN
cblr-9983	1504	56	of	of	ADP
cblr-9983	1504	57	credit	credit	NOUN
cblr-9983	1504	58	risk	risk	NOUN
cblr-9983	1504	59	decisions	decision	NOUN
cblr-9983	1504	60	,	,	PUNCT
cblr-9983	1504	61	the	the	DET
cblr-9983	1504	62	banking	banking	NOUN
cblr-9983	1504	63	agencies	agency	NOUN
cblr-9983	1504	64	issue	issue	VERB
cblr-9983	1504	65	guidance	guidance	NOUN
cblr-9983	1504	66	to	to	PART
cblr-9983	1504	67	supplement	supplement	VERB
cblr-9983	1504	68	the	the	DET
cblr-9983	1504	69	existing	exist	VERB
cblr-9983	1504	70	model	model	NOUN
cblr-9983	1504	71	risk	risk	NOUN
cblr-9983	1504	72	management	management	NOUN
cblr-9983	1504	73	guidance	guidance	NOUN
cblr-9983	1504	74	.	.	PUNCT
cblr-9983	1505	1	the	the	DET
cblr-9983	1505	2	new	new	ADJ
cblr-9983	1505	3	guidance	guidance	NOUN
cblr-9983	1505	4	indicates	indicate	VERB
cblr-9983	1505	5	that	that	SCONJ
cblr-9983	1505	6	the	the	DET
cblr-9983	1505	7	use	use	NOUN
cblr-9983	1505	8	of	of	ADP
cblr-9983	1505	9	ai	ai	NOUN
cblr-9983	1505	10	in	in	ADP
cblr-9983	1505	11	place	place	NOUN
cblr-9983	1505	12	of	of	ADP
cblr-9983	1505	13	loan	loan	NOUN
cblr-9983	1505	14	officers	officer	NOUN
cblr-9983	1505	15	is	be	AUX
cblr-9983	1505	16	acceptable	acceptable	ADJ
cblr-9983	1505	17	for	for	ADP
cblr-9983	1505	18	certain	certain	ADJ
cblr-9983	1505	19	classes	class	NOUN
cblr-9983	1505	20	of	of	ADP
cblr-9983	1505	21	smaller	small	ADJ
cblr-9983	1505	22	denomination	denomination	NOUN
cblr-9983	1505	23	loans	loan	NOUN
cblr-9983	1505	24	to	to	ADP
cblr-9983	1505	25	individuals	individual	NOUN
cblr-9983	1505	26	and	and	CCONJ
cblr-9983	1505	27	businesses	business	NOUN
cblr-9983	1505	28	,	,	PUNCT
cblr-9983	1505	29	but	but	CCONJ
cblr-9983	1505	30	that	that	SCONJ
cblr-9983	1505	31	the	the	DET
cblr-9983	1505	32	relative	relative	ADJ
cblr-9983	1505	33	novelty	novelty	NOUN
cblr-9983	1505	34	of	of	ADP
cblr-9983	1505	35	an	an	DET
cblr-9983	1505	36	underwriting	underwriting	NOUN
cblr-9983	1505	37	approach	approach	NOUN
cblr-9983	1505	38	with	with	ADP
cblr-9983	1505	39	minimal	minimal	ADJ
cblr-9983	1505	40	or	or	CCONJ
cblr-9983	1505	41	no	no	DET
cblr-9983	1505	42	human	human	ADJ
cblr-9983	1505	43	involvement	involvement	NOUN
cblr-9983	1505	44	requires	require	VERB
cblr-9983	1505	45	special	special	ADJ
cblr-9983	1505	46	attention	attention	NOUN
cblr-9983	1505	47	to	to	ADP
cblr-9983	1505	48	model	model	NOUN
cblr-9983	1505	49	validation	validation	NOUN
cblr-9983	1505	50	and	and	CCONJ
cblr-9983	1505	51	outcomes	outcome	VERB
cblr-9983	1505	52	analysis	analysis	NOUN
cblr-9983	1505	53	.	.	PUNCT
cblr-9983	1506	1	accordingly	accordingly	ADV
cblr-9983	1506	2	,	,	PUNCT
cblr-9983	1506	3	the	the	DET
cblr-9983	1506	4	guidance	guidance	NOUN
cblr-9983	1506	5	states	state	VERB
cblr-9983	1506	6	that	that	SCONJ
cblr-9983	1506	7	,	,	PUNCT
cblr-9983	1506	8	for	for	ADP
cblr-9983	1506	9	the	the	DET
cblr-9983	1506	10	time	time	NOUN
cblr-9983	1506	11	being	being	NOUN
cblr-9983	1506	12	,	,	PUNCT
cblr-9983	1506	13	a	a	DET
cblr-9983	1506	14	comparison	comparison	NOUN
cblr-9983	1506	15	of	of	ADP
cblr-9983	1506	16	actual	actual	ADJ
cblr-9983	1506	17	experience	experience	NOUN
cblr-9983	1506	18	with	with	ADP
cblr-9983	1506	19	loan	loan	NOUN
cblr-9983	1506	20	performance	performance	NOUN
cblr-9983	1506	21	and	and	CCONJ
cblr-9983	1506	22	model	model	NOUN
cblr-9983	1506	23	predictions	prediction	NOUN
cblr-9983	1506	24	should	should	AUX
cblr-9983	1506	25	be	be	AUX
cblr-9983	1506	26	conducted	conduct	VERB
cblr-9983	1506	27	at	at	ADP
cblr-9983	1506	28	least	least	ADJ
cblr-9983	1506	29	monthly	monthly	ADJ
cblr-9983	1506	30	to	to	PART
cblr-9983	1506	31	be	be	AUX
cblr-9983	1506	32	sure	sure	ADJ
cblr-9983	1506	33	that	that	SCONJ
cblr-9983	1506	34	unanticipated	unanticipated	ADJ
cblr-9983	1506	35	risks	risk	NOUN
cblr-9983	1506	36	will	will	AUX
cblr-9983	1506	37	not	not	PART
cblr-9983	1506	38	build	build	VERB
cblr-9983	1506	39	.	.	PUNCT
cblr-9983	1507	1	the	the	DET
cblr-9983	1507	2	guidance	guidance	NOUN
cblr-9983	1507	3	also	also	ADV
cblr-9983	1507	4	sets	set	VERB
cblr-9983	1507	5	forth	forth	ADP
cblr-9983	1507	6	in	in	ADP
cblr-9983	1507	7	some	some	DET
cblr-9983	1507	8	detail	detail	NOUN
cblr-9983	1507	9	the	the	DET
cblr-9983	1507	10	kinds	kind	NOUN
cblr-9983	1507	11	of	of	ADP
cblr-9983	1507	12	model	model	NOUN
cblr-9983	1507	13	development	development	NOUN
cblr-9983	1507	14	,	,	PUNCT
cblr-9983	1507	15	validation	validation	NOUN
cblr-9983	1507	16	,	,	PUNCT
cblr-9983	1507	17	and	and	CCONJ
cblr-9983	1507	18	governance	governance	NOUN
cblr-9983	1507	19	considerations	consideration	NOUN
cblr-9983	1507	20	addressed	address	VERB
cblr-9983	1507	21	in	in	ADP
cblr-9983	1507	22	the	the	DET
cblr-9983	1507	23	existing	exist	VERB
cblr-9983	1507	24	model	model	NOUN
cblr-9983	1507	25	risk	risk	NOUN
cblr-9983	1507	26	management	management	NOUN
cblr-9983	1507	27	guidance	guidance	NOUN
cblr-9983	1507	28	,	,	PUNCT
cblr-9983	1507	29	reformulated	reformulate	VERB
cblr-9983	1507	30	to	to	PART
cblr-9983	1507	31	address	address	VERB
cblr-9983	1507	32	the	the	DET
cblr-9983	1507	33	differences	difference	NOUN
cblr-9983	1507	34	in	in	ADP
cblr-9983	1507	35	an	an	DET
cblr-9983	1507	36	ai	ai	ADJ
cblr-9983	1507	37	underwriting	underwriting	NOUN
cblr-9983	1507	38	process	process	NOUN
cblr-9983	1507	39	from	from	ADP
cblr-9983	1507	40	conventional	conventional	ADJ
cblr-9983	1507	41	practices	practice	NOUN
cblr-9983	1507	42	.	.	PUNCT
cblr-9983	1508	1	like	like	ADP
cblr-9983	1508	2	existing	exist	VERB
cblr-9983	1508	3	guidance	guidance	NOUN
cblr-9983	1508	4	,	,	PUNCT
cblr-9983	1508	5	the	the	DET
cblr-9983	1508	6	364	364	NUM
cblr-9983	1508	7	columbia	columbia	PROPN
cblr-9983	1508	8	business	business	NOUN
cblr-9983	1508	9	law	law	PROPN
cblr-9983	1508	10	review	review	NOUN
cblr-9983	1509	1	[	[	X
cblr-9983	1509	2	vol	vol	NOUN
cblr-9983	1509	3	.	.	PUNCT
cblr-9983	1509	4	2022	2022	NUM
cblr-9983	1509	5	supplemental	supplemental	ADJ
cblr-9983	1509	6	document	document	NOUN
cblr-9983	1509	7	does	do	AUX
cblr-9983	1509	8	not	not	PART
cblr-9983	1509	9	include	include	VERB
cblr-9983	1509	10	specifics	specific	NOUN
cblr-9983	1509	11	such	such	ADJ
cblr-9983	1509	12	as	as	ADP
cblr-9983	1509	13	the	the	DET
cblr-9983	1509	14	acceptable	acceptable	ADJ
cblr-9983	1509	15	quantitative	quantitative	ADJ
cblr-9983	1509	16	deviation	deviation	NOUN
cblr-9983	1509	17	of	of	ADP
cblr-9983	1509	18	actual	actual	ADJ
cblr-9983	1509	19	loan	loan	NOUN
cblr-9983	1509	20	performance	performance	NOUN
cblr-9983	1509	21	from	from	ADP
cblr-9983	1509	22	model	model	NOUN
cblr-9983	1509	23	predictions	prediction	NOUN
cblr-9983	1509	24	.	.	PUNCT
cblr-9983	1510	1	suppose	suppose	VERB
cblr-9983	1510	2	now	now	ADV
cblr-9983	1510	3	that	that	SCONJ
cblr-9983	1510	4	supervisors	supervisor	NOUN
cblr-9983	1510	5	automatically	automatically	ADV
cblr-9983	1510	6	issue	issue	VERB
cblr-9983	1510	7	mras	mras	ADJ
cblr-9983	1510	8	to	to	ADP
cblr-9983	1510	9	any	any	DET
cblr-9983	1510	10	bank	bank	NOUN
cblr-9983	1510	11	that	that	PRON
cblr-9983	1510	12	does	do	AUX
cblr-9983	1510	13	not	not	PART
cblr-9983	1510	14	conduct	conduct	VERB
cblr-9983	1510	15	the	the	DET
cblr-9983	1510	16	predictions	prediction	NOUN
cblr-9983	1510	17	/	/	SYM
cblr-9983	1510	18	outcomes	outcome	NOUN
cblr-9983	1510	19	analysis	analysis	NOUN
cblr-9983	1510	20	at	at	ADP
cblr-9983	1510	21	least	least	ADJ
cblr-9983	1510	22	once	once	ADV
cblr-9983	1510	23	a	a	DET
cblr-9983	1510	24	month	month	NOUN
cblr-9983	1510	25	.	.	PUNCT
cblr-9983	1511	1	they	they	PRON
cblr-9983	1511	2	nearly	nearly	ADV
cblr-9983	1511	3	automatically	automatically	ADV
cblr-9983	1511	4	issue	issue	VERB
cblr-9983	1511	5	mras	mras	ADJ
cblr-9983	1511	6	to	to	ADP
cblr-9983	1511	7	any	any	DET
cblr-9983	1511	8	bank	bank	NOUN
cblr-9983	1511	9	that	that	PRON
cblr-9983	1511	10	has	have	AUX
cblr-9983	1511	11	not	not	PART
cblr-9983	1511	12	demonstrably	demonstrably	ADV
cblr-9983	1511	13	incorporated	incorporate	VERB
cblr-9983	1511	14	the	the	DET
cblr-9983	1511	15	processes	process	NOUN
cblr-9983	1511	16	for	for	ADP
cblr-9983	1511	17	development	development	NOUN
cblr-9983	1511	18	,	,	PUNCT
cblr-9983	1511	19	validation	validation	NOUN
cblr-9983	1511	20	,	,	PUNCT
cblr-9983	1511	21	and	and	CCONJ
cblr-9983	1511	22	governance	governance	NOUN
cblr-9983	1511	23	.	.	PUNCT
cblr-9983	1512	1	while	while	SCONJ
cblr-9983	1512	2	,	,	PUNCT
cblr-9983	1512	3	again	again	ADV
cblr-9983	1512	4	,	,	PUNCT
cblr-9983	1512	5	it	it	PRON
cblr-9983	1512	6	is	be	AUX
cblr-9983	1512	7	clear	clear	ADJ
cblr-9983	1512	8	that	that	SCONJ
cblr-9983	1512	9	the	the	DET
cblr-9983	1512	10	specifics	specific	NOUN
cblr-9983	1512	11	of	of	ADP
cblr-9983	1512	12	those	those	DET
cblr-9983	1512	13	processes	process	NOUN
cblr-9983	1512	14	may	may	AUX
cblr-9983	1512	15	vary	vary	VERB
cblr-9983	1512	16	,	,	PUNCT
cblr-9983	1512	17	it	it	PRON
cblr-9983	1512	18	is	be	AUX
cblr-9983	1512	19	equally	equally	ADV
cblr-9983	1512	20	clear	clear	ADJ
cblr-9983	1512	21	that	that	SCONJ
cblr-9983	1512	22	supervisors	supervisor	NOUN
cblr-9983	1512	23	will	will	AUX
cblr-9983	1512	24	not	not	PART
cblr-9983	1512	25	be	be	AUX
cblr-9983	1512	26	receptive	receptive	ADJ
cblr-9983	1512	27	to	to	ADP
cblr-9983	1512	28	arguments	argument	NOUN
cblr-9983	1512	29	that	that	SCONJ
cblr-9983	1512	30	a	a	DET
cblr-9983	1512	31	form	form	NOUN
cblr-9983	1512	32	of	of	ADP
cblr-9983	1512	33	validation	validation	NOUN
cblr-9983	1512	34	identified	identify	VERB
cblr-9983	1512	35	in	in	ADP
cblr-9983	1512	36	the	the	DET
cblr-9983	1512	37	guidance	guidance	NOUN
cblr-9983	1512	38	is	be	AUX
cblr-9983	1512	39	unnecessary	unnecessary	ADJ
cblr-9983	1512	40	for	for	ADP
cblr-9983	1512	41	a	a	DET
cblr-9983	1512	42	particular	particular	ADJ
cblr-9983	1512	43	bank	bank	NOUN
cblr-9983	1512	44	’s	’s	PART
cblr-9983	1512	45	model	model	NOUN
cblr-9983	1512	46	.	.	PUNCT
cblr-9983	1513	1	finally	finally	ADV
cblr-9983	1513	2	,	,	PUNCT
cblr-9983	1513	3	suppose	suppose	VERB
cblr-9983	1513	4	that	that	SCONJ
cblr-9983	1513	5	a	a	DET
cblr-9983	1513	6	failure	failure	NOUN
cblr-9983	1513	7	to	to	PART
cblr-9983	1513	8	remediate	remediate	VERB
cblr-9983	1513	9	ai	ai	INTJ
cblr-9983	1513	10	model	model	NOUN
cblr-9983	1513	11	shortcomings	shortcoming	NOUN
cblr-9983	1513	12	identified	identify	VERB
cblr-9983	1513	13	in	in	ADP
cblr-9983	1513	14	mras	mras	ADJ
cblr-9983	1513	15	has	have	AUX
cblr-9983	1513	16	been	be	AUX
cblr-9983	1513	17	highly	highly	ADV
cblr-9983	1513	18	correlated	correlate	VERB
cblr-9983	1513	19	with	with	ADP
cblr-9983	1513	20	downgrades	downgrade	NOUN
cblr-9983	1513	21	in	in	ADP
cblr-9983	1513	22	management	management	NOUN
cblr-9983	1513	23	ratings	rating	NOUN
cblr-9983	1513	24	or	or	CCONJ
cblr-9983	1513	25	with	with	ADP
cblr-9983	1513	26	a	a	DET
cblr-9983	1513	27	continuation	continuation	NOUN
cblr-9983	1513	28	of	of	ADP
cblr-9983	1513	29	already	already	ADV
cblr-9983	1513	30	downgraded	downgrade	VERB
cblr-9983	1513	31	ratings	rating	NOUN
cblr-9983	1513	32	.	.	PUNCT
cblr-9983	1514	1	the	the	DET
cblr-9983	1514	2	foregoing	forego	VERB
cblr-9983	1514	3	hypothetical	hypothetical	ADJ
cblr-9983	1514	4	is	be	AUX
cblr-9983	1514	5	quite	quite	ADV
cblr-9983	1514	6	unrealistic	unrealistic	ADJ
cblr-9983	1514	7	in	in	ADP
cblr-9983	1514	8	light	light	NOUN
cblr-9983	1514	9	of	of	ADP
cblr-9983	1514	10	past	past	ADJ
cblr-9983	1514	11	supervisory	supervisory	ADJ
cblr-9983	1514	12	practice	practice	NOUN
cblr-9983	1514	13	,	,	PUNCT
cblr-9983	1514	14	but	but	CCONJ
cblr-9983	1514	15	its	its	PRON
cblr-9983	1514	16	sharpness	sharpness	NOUN
cblr-9983	1514	17	will	will	AUX
cblr-9983	1514	18	be	be	AUX
cblr-9983	1514	19	useful	useful	ADJ
cblr-9983	1514	20	for	for	ADP
cblr-9983	1514	21	heuristic	heuristic	ADJ
cblr-9983	1514	22	purposes	purpose	NOUN
cblr-9983	1514	23	.	.	PUNCT
cblr-9983	1515	1	the	the	DET
cblr-9983	1515	2	factors	factor	NOUN
cblr-9983	1515	3	mentioned	mention	VERB
cblr-9983	1515	4	in	in	ADP
cblr-9983	1515	5	cases	case	NOUN
cblr-9983	1515	6	such	such	ADJ
cblr-9983	1515	7	as	as	ADP
cblr-9983	1515	8	general	general	ADJ
cblr-9983	1515	9	electric	electric	NOUN
cblr-9983	1515	10	make	make	VERB
cblr-9983	1515	11	it	it	PRON
cblr-9983	1515	12	more	more	ADV
cblr-9983	1515	13	likely	likely	ADJ
cblr-9983	1515	14	than	than	ADP
cblr-9983	1515	15	in	in	ADP
cblr-9983	1515	16	the	the	DET
cblr-9983	1515	17	previous	previous	ADJ
cblr-9983	1515	18	hypothetical	hypothetical	ADJ
cblr-9983	1515	19	that	that	SCONJ
cblr-9983	1515	20	a	a	DET
cblr-9983	1515	21	court	court	NOUN
cblr-9983	1515	22	would	would	AUX
cblr-9983	1515	23	conclude	conclude	VERB
cblr-9983	1515	24	the	the	DET
cblr-9983	1515	25	guidance	guidance	NOUN
cblr-9983	1515	26	should	should	AUX
cblr-9983	1515	27	have	have	AUX
cblr-9983	1515	28	been	be	AUX
cblr-9983	1515	29	issued	issue	VERB
cblr-9983	1515	30	as	as	ADP
cblr-9983	1515	31	a	a	DET
cblr-9983	1515	32	legislative	legislative	ADJ
cblr-9983	1515	33	rule	rule	NOUN
cblr-9983	1515	34	(	(	PUNCT
cblr-9983	1515	35	though	though	SCONJ
cblr-9983	1515	36	the	the	DET
cblr-9983	1515	37	doctrinal	doctrinal	ADJ
cblr-9983	1515	38	confusion	confusion	NOUN
cblr-9983	1515	39	is	be	AUX
cblr-9983	1515	40	such	such	ADJ
cblr-9983	1515	41	that	that	SCONJ
cblr-9983	1515	42	here	here	ADV
cblr-9983	1515	43	too	too	ADV
cblr-9983	1515	44	the	the	DET
cblr-9983	1515	45	outcome	outcome	NOUN
cblr-9983	1515	46	is	be	AUX
cblr-9983	1515	47	uncertain	uncertain	ADJ
cblr-9983	1515	48	)	)	PUNCT
cblr-9983	1515	49	.	.	PUNCT
cblr-9983	1516	1	it	it	PRON
cblr-9983	1516	2	obviously	obviously	ADV
cblr-9983	1516	3	removes	remove	VERB
cblr-9983	1516	4	many	many	ADJ
cblr-9983	1516	5	,	,	PUNCT
cblr-9983	1516	6	if	if	SCONJ
cblr-9983	1516	7	not	not	PART
cblr-9983	1516	8	most	most	ADJ
cblr-9983	1516	9	,	,	PUNCT
cblr-9983	1516	10	of	of	ADP
cblr-9983	1516	11	the	the	DET
cblr-9983	1516	12	complicating	complicate	VERB
cblr-9983	1516	13	questions	question	NOUN
cblr-9983	1516	14	around	around	ADP
cblr-9983	1516	15	“	"	PUNCT
cblr-9983	1516	16	practically	practically	ADV
cblr-9983	1516	17	binding	binding	ADJ
cblr-9983	1516	18	”	"	PUNCT
cblr-9983	1516	19	assessments	assessment	NOUN
cblr-9983	1516	20	.	.	PUNCT
cblr-9983	1517	1	almost	almost	ADV
cblr-9983	1517	2	on	on	ADP
cblr-9983	1517	3	its	its	PRON
cblr-9983	1517	4	face	face	NOUN
cblr-9983	1517	5	,	,	PUNCT
cblr-9983	1517	6	the	the	DET
cblr-9983	1517	7	fact	fact	NOUN
cblr-9983	1517	8	pattern	pattern	NOUN
cblr-9983	1517	9	implies	imply	VERB
cblr-9983	1517	10	that	that	SCONJ
cblr-9983	1517	11	the	the	DET
cblr-9983	1517	12	discretion	discretion	NOUN
cblr-9983	1517	13	of	of	ADP
cblr-9983	1517	14	line	line	NOUN
cblr-9983	1517	15	supervisors	supervisor	NOUN
cblr-9983	1517	16	to	to	PART
cblr-9983	1517	17	engage	engage	VERB
cblr-9983	1517	18	in	in	ADP
cblr-9983	1517	19	a	a	DET
cblr-9983	1517	20	kind	kind	NOUN
cblr-9983	1517	21	of	of	ADP
cblr-9983	1517	22	de	de	X
cblr-9983	1517	23	novo	novo	NOUN
cblr-9983	1517	24	assessment	assessment	NOUN
cblr-9983	1517	25	of	of	ADP
cblr-9983	1517	26	a	a	DET
cblr-9983	1517	27	firm	firm	NOUN
cblr-9983	1517	28	’s	’s	PART
cblr-9983	1517	29	ai	ai	PROPN
cblr-9983	1517	30	model	model	NOUN
cblr-9983	1517	31	risk	risk	NOUN
cblr-9983	1517	32	management	management	NOUN
cblr-9983	1517	33	has	have	AUX
cblr-9983	1517	34	been	be	AUX
cblr-9983	1517	35	substantially	substantially	ADV
cblr-9983	1517	36	constrained	constrain	VERB
cblr-9983	1517	37	.	.	PUNCT
cblr-9983	1518	1	and	and	CCONJ
cblr-9983	1518	2	there	there	PRON
cblr-9983	1518	3	are	be	VERB
cblr-9983	1518	4	near	near	ADP
cblr-9983	1518	5	automatic	automatic	ADJ
cblr-9983	1518	6	negative	negative	ADJ
cblr-9983	1518	7	consequences	consequence	NOUN
cblr-9983	1518	8	for	for	ADP
cblr-9983	1518	9	any	any	DET
cblr-9983	1518	10	banking	banking	NOUN
cblr-9983	1518	11	organization	organization	NOUN
cblr-9983	1518	12	that	that	PRON
cblr-9983	1518	13	“	"	PUNCT
cblr-9983	1518	14	violates	violate	VERB
cblr-9983	1518	15	”	"	PUNCT
cblr-9983	1518	16	the	the	DET
cblr-9983	1518	17	guidance	guidance	NOUN
cblr-9983	1518	18	,	,	PUNCT
cblr-9983	1518	19	in	in	ADP
cblr-9983	1518	20	the	the	DET
cblr-9983	1518	21	sense	sense	NOUN
cblr-9983	1518	22	that	that	SCONJ
cblr-9983	1518	23	the	the	DET
cblr-9983	1518	24	bank	bank	NOUN
cblr-9983	1518	25	has	have	AUX
cblr-9983	1518	26	not	not	PART
cblr-9983	1518	27	adopted	adopt	VERB
cblr-9983	1518	28	risk	risk	NOUN
cblr-9983	1518	29	management	management	NOUN
cblr-9983	1518	30	practices	practice	NOUN
cblr-9983	1518	31	that	that	PRON
cblr-9983	1518	32	take	take	VERB
cblr-9983	1518	33	account	account	NOUN
cblr-9983	1518	34	of	of	ADP
cblr-9983	1518	35	the	the	DET
cblr-9983	1518	36	concerns	concern	NOUN
cblr-9983	1518	37	and	and	CCONJ
cblr-9983	1518	38	considerations	consideration	NOUN
cblr-9983	1518	39	reflected	reflect	VERB
cblr-9983	1518	40	in	in	ADP
cblr-9983	1518	41	the	the	DET
cblr-9983	1518	42	supervisory	supervisory	ADJ
cblr-9983	1518	43	document	document	NOUN
cblr-9983	1518	44	.	.	PUNCT
cblr-9983	1519	1	a	a	DET
cblr-9983	1519	2	court	court	NOUN
cblr-9983	1519	3	ruling	ruling	NOUN
cblr-9983	1519	4	that	that	SCONJ
cblr-9983	1519	5	the	the	DET
cblr-9983	1519	6	ai	ai	PROPN
cblr-9983	1519	7	guidance	guidance	NOUN
cblr-9983	1519	8	did	do	AUX
cblr-9983	1519	9	not	not	PART
cblr-9983	1519	10	qualify	qualify	VERB
cblr-9983	1519	11	for	for	ADP
cblr-9983	1519	12	the	the	DET
cblr-9983	1519	13	“	"	PUNCT
cblr-9983	1519	14	general	general	ADJ
cblr-9983	1519	15	statement	statement	NOUN
cblr-9983	1519	16	of	of	ADP
cblr-9983	1519	17	policy	policy	NOUN
cblr-9983	1519	18	”	"	PUNCT
cblr-9983	1519	19	exception	exception	NOUN
cblr-9983	1519	20	would	would	AUX
cblr-9983	1519	21	carry	carry	VERB
cblr-9983	1519	22	with	with	ADP
cblr-9983	1519	23	it	it	PRON
cblr-9983	1519	24	the	the	DET
cblr-9983	1519	25	unstated	unstated	ADJ
cblr-9983	1519	26	premise	premise	NOUN
cblr-9983	1519	27	that	that	SCONJ
cblr-9983	1519	28	the	the	DET
cblr-9983	1519	29	agency	agency	NOUN
cblr-9983	1519	30	’s	’s	PART
cblr-9983	1519	31	regulatory	regulatory	ADJ
cblr-9983	1519	32	aim	aim	NOUN
cblr-9983	1519	33	could	could	AUX
cblr-9983	1519	34	be	be	AUX
cblr-9983	1519	35	achieved	achieve	VERB
cblr-9983	1519	36	through	through	ADP
cblr-9983	1519	37	notice	notice	NOUN
cblr-9983	1519	38	-	-	PUNCT
cblr-9983	1519	39	and	and	CCONJ
cblr-9983	1519	40	-	-	PUNCT
cblr-9983	1519	41	comment	comment	NOUN
cblr-9983	1519	42	rulemaking	rulemaking	NOUN
cblr-9983	1519	43	,	,	PUNCT
cblr-9983	1519	44	but	but	CCONJ
cblr-9983	1519	45	with	with	ADP
cblr-9983	1519	46	more	more	ADV
cblr-9983	1519	47	procedural	procedural	ADJ
cblr-9983	1519	48	formality	formality	NOUN
cblr-9983	1519	49	.	.	PUNCT
cblr-9983	1520	1	in	in	ADP
cblr-9983	1520	2	bank	bank	PROPN
cblr-9983	1520	3	supervision	supervision	NOUN
cblr-9983	1520	4	,	,	PUNCT
cblr-9983	1520	5	however	however	ADV
cblr-9983	1520	6	,	,	PUNCT
cblr-9983	1520	7	this	this	DET
cblr-9983	1520	8	premise	premise	NOUN
cblr-9983	1520	9	may	may	AUX
cblr-9983	1520	10	be	be	AUX
cblr-9983	1520	11	unfounded	unfounded	ADJ
cblr-9983	1520	12	.	.	PUNCT
cblr-9983	1521	1	this	this	DET
cblr-9983	1521	2	possibility	possibility	NOUN
cblr-9983	1521	3	can	can	AUX
cblr-9983	1521	4	be	be	AUX
cblr-9983	1521	5	explored	explore	VERB
cblr-9983	1521	6	no	no	NOUN
cblr-9983	1521	7	.	.	PUNCT
cblr-9983	1522	1	1:279	1:279	NOUN
cblr-9983	1522	2	]	]	X
cblr-9983	1522	3	bank	bank	NOUN
cblr-9983	1522	4	supervision	supervision	NOUN
cblr-9983	1522	5	and	and	CCONJ
cblr-9983	1522	6	administrative	administrative	ADJ
cblr-9983	1522	7	law	law	NOUN
cblr-9983	1522	8	365	365	NUM
cblr-9983	1522	9	by	by	ADP
cblr-9983	1522	10	asking	ask	VERB
cblr-9983	1522	11	why	why	SCONJ
cblr-9983	1522	12	the	the	DET
cblr-9983	1522	13	agencies	agency	NOUN
cblr-9983	1522	14	might	might	AUX
cblr-9983	1522	15	have	have	AUX
cblr-9983	1522	16	chosen	choose	VERB
cblr-9983	1522	17	guidance	guidance	NOUN
cblr-9983	1522	18	in	in	ADP
cblr-9983	1522	19	the	the	DET
cblr-9983	1522	20	first	first	ADJ
cblr-9983	1522	21	place	place	NOUN
cblr-9983	1522	22	.	.	PUNCT
cblr-9983	1523	1	the	the	DET
cblr-9983	1523	2	most	most	ADV
cblr-9983	1523	3	obvious	obvious	ADJ
cblr-9983	1523	4	answer	answer	NOUN
cblr-9983	1523	5	is	be	AUX
cblr-9983	1523	6	the	the	DET
cblr-9983	1523	7	one	one	NUM
cblr-9983	1523	8	most	most	ADV
cblr-9983	1523	9	criticized	criticize	VERB
cblr-9983	1523	10	by	by	ADP
cblr-9983	1523	11	those	those	PRON
cblr-9983	1523	12	who	who	PRON
cblr-9983	1523	13	would	would	AUX
cblr-9983	1523	14	significantly	significantly	ADV
cblr-9983	1523	15	restrict	restrict	VERB
cblr-9983	1523	16	the	the	DET
cblr-9983	1523	17	scope	scope	NOUN
cblr-9983	1523	18	of	of	ADP
cblr-9983	1523	19	the	the	DET
cblr-9983	1523	20	general	general	ADJ
cblr-9983	1523	21	statement	statement	NOUN
cblr-9983	1523	22	of	of	ADP
cblr-9983	1523	23	policy	policy	NOUN
cblr-9983	1523	24	exception	exception	NOUN
cblr-9983	1523	25	—	—	PUNCT
cblr-9983	1523	26	the	the	DET
cblr-9983	1523	27	delay	delay	NOUN
cblr-9983	1523	28	associated	associate	VERB
cblr-9983	1523	29	with	with	ADP
cblr-9983	1523	30	a	a	DET
cblr-9983	1523	31	notice	notice	NOUN
cblr-9983	1523	32	-	-	PUNCT
cblr-9983	1523	33	and	and	CCONJ
cblr-9983	1523	34	-	-	PUNCT
cblr-9983	1523	35	comment	comment	NOUN
cblr-9983	1523	36	process.250	process.250	PROPN
cblr-9983	1523	37	however	however	ADV
cblr-9983	1523	38	,	,	PUNCT
cblr-9983	1523	39	in	in	ADP
cblr-9983	1523	40	opting	opt	VERB
cblr-9983	1523	41	for	for	ADP
cblr-9983	1523	42	guidance	guidance	NOUN
cblr-9983	1523	43	over	over	ADP
cblr-9983	1523	44	rulemaking	rulemake	VERB
cblr-9983	1523	45	the	the	DET
cblr-9983	1523	46	banking	banking	NOUN
cblr-9983	1523	47	agencies	agency	NOUN
cblr-9983	1523	48	may	may	AUX
cblr-9983	1523	49	not	not	PART
cblr-9983	1523	50	have	have	AUX
cblr-9983	1523	51	been	be	AUX
cblr-9983	1523	52	motivated	motivate	VERB
cblr-9983	1523	53	solely	solely	ADV
cblr-9983	1523	54	,	,	PUNCT
cblr-9983	1523	55	or	or	CCONJ
cblr-9983	1523	56	even	even	ADV
cblr-9983	1523	57	principally	principally	ADV
cblr-9983	1523	58	,	,	PUNCT
cblr-9983	1523	59	by	by	ADP
cblr-9983	1523	60	time	time	NOUN
cblr-9983	1523	61	considerations	consideration	NOUN
cblr-9983	1523	62	.	.	PUNCT
cblr-9983	1524	1	indeed	indeed	ADV
cblr-9983	1524	2	,	,	PUNCT
cblr-9983	1524	3	the	the	DET
cblr-9983	1524	4	banking	banking	NOUN
cblr-9983	1524	5	agencies	agency	NOUN
cblr-9983	1524	6	frequently	frequently	ADV
cblr-9983	1524	7	do	do	AUX
cblr-9983	1524	8	put	put	VERB
cblr-9983	1524	9	proposed	propose	VERB
cblr-9983	1524	10	guidance	guidance	NOUN
cblr-9983	1524	11	out	out	ADP
cblr-9983	1524	12	for	for	ADP
cblr-9983	1524	13	comment	comment	NOUN
cblr-9983	1524	14	,	,	PUNCT
cblr-9983	1524	15	though	though	SCONJ
cblr-9983	1524	16	the	the	DET
cblr-9983	1524	17	process	process	NOUN
cblr-9983	1524	18	for	for	ADP
cblr-9983	1524	19	guidance	guidance	NOUN
cblr-9983	1524	20	is	be	AUX
cblr-9983	1524	21	typically	typically	ADV
cblr-9983	1524	22	shorter	short	ADJ
cblr-9983	1524	23	than	than	ADP
cblr-9983	1524	24	that	that	PRON
cblr-9983	1524	25	for	for	ADP
cblr-9983	1524	26	a	a	DET
cblr-9983	1524	27	legislative	legislative	ADJ
cblr-9983	1524	28	rule.251	rule.251	NOUN
cblr-9983	1524	29	but	but	CCONJ
cblr-9983	1524	30	,	,	PUNCT
cblr-9983	1524	31	like	like	ADP
cblr-9983	1524	32	the	the	DET
cblr-9983	1524	33	model	model	NOUN
cblr-9983	1524	34	risk	risk	NOUN
cblr-9983	1524	35	management	management	NOUN
cblr-9983	1524	36	guidance	guidance	NOUN
cblr-9983	1524	37	,	,	PUNCT
cblr-9983	1524	38	most	most	ADJ
cblr-9983	1524	39	supervisory	supervisory	ADJ
cblr-9983	1524	40	guidance	guidance	NOUN
cblr-9983	1524	41	documents	document	NOUN
cblr-9983	1524	42	are	be	AUX
cblr-9983	1524	43	not	not	PART
cblr-9983	1524	44	especially	especially	ADV
cblr-9983	1524	45	rule	rule	NOUN
cblr-9983	1524	46	-	-	PUNCT
cblr-9983	1524	47	like	like	ADJ
cblr-9983	1524	48	.	.	PUNCT
cblr-9983	1525	1	instead	instead	ADV
cblr-9983	1525	2	,	,	PUNCT
cblr-9983	1525	3	they	they	PRON
cblr-9983	1525	4	provide	provide	VERB
cblr-9983	1525	5	an	an	DET
cblr-9983	1525	6	explanation	explanation	NOUN
cblr-9983	1525	7	,	,	PUNCT
cblr-9983	1525	8	sometimes	sometimes	ADV
cblr-9983	1525	9	extensive	extensive	ADJ
cblr-9983	1525	10	,	,	PUNCT
cblr-9983	1525	11	of	of	ADP
cblr-9983	1525	12	relevant	relevant	ADJ
cblr-9983	1525	13	factors	factor	NOUN
cblr-9983	1525	14	and	and	CCONJ
cblr-9983	1525	15	risks	risk	NOUN
cblr-9983	1525	16	associated	associate	VERB
cblr-9983	1525	17	with	with	ADP
cblr-9983	1525	18	a	a	DET
cblr-9983	1525	19	bank	bank	NOUN
cblr-9983	1525	20	process	process	NOUN
cblr-9983	1525	21	or	or	CCONJ
cblr-9983	1525	22	product	product	NOUN
cblr-9983	1525	23	.	.	PUNCT
cblr-9983	1526	1	even	even	ADV
cblr-9983	1526	2	when	when	SCONJ
cblr-9983	1526	3	250	250	NUM
cblr-9983	1526	4	the	the	DET
cblr-9983	1526	5	agencies	agency	NOUN
cblr-9983	1526	6	might	might	AUX
cblr-9983	1526	7	well	well	ADV
cblr-9983	1526	8	fear	fear	VERB
cblr-9983	1526	9	that	that	SCONJ
cblr-9983	1526	10	banks	bank	NOUN
cblr-9983	1526	11	could	could	AUX
cblr-9983	1526	12	unknowingly	unknowingly	ADV
cblr-9983	1526	13	assume	assume	VERB
cblr-9983	1526	14	considerable	considerable	ADJ
cblr-9983	1526	15	risk	risk	NOUN
cblr-9983	1526	16	from	from	ADP
cblr-9983	1526	17	reliance	reliance	NOUN
cblr-9983	1526	18	on	on	ADP
cblr-9983	1526	19	ai	ai	PRON
cblr-9983	1526	20	credit	credit	NOUN
cblr-9983	1526	21	models	model	NOUN
cblr-9983	1526	22	in	in	ADP
cblr-9983	1526	23	the	the	DET
cblr-9983	1526	24	year	year	NOUN
cblr-9983	1526	25	or	or	CCONJ
cblr-9983	1526	26	more	more	ADJ
cblr-9983	1526	27	it	it	PRON
cblr-9983	1526	28	would	would	AUX
cblr-9983	1526	29	take	take	VERB
cblr-9983	1526	30	to	to	PART
cblr-9983	1526	31	issue	issue	VERB
cblr-9983	1526	32	a	a	DET
cblr-9983	1526	33	rule	rule	NOUN
cblr-9983	1526	34	.	.	PUNCT
cblr-9983	1527	1	to	to	ADP
cblr-9983	1527	2	the	the	DET
cblr-9983	1527	3	degree	degree	NOUN
cblr-9983	1527	4	that	that	SCONJ
cblr-9983	1527	5	these	these	DET
cblr-9983	1527	6	circumstances	circumstance	NOUN
cblr-9983	1527	7	are	be	AUX
cblr-9983	1527	8	truly	truly	ADV
cblr-9983	1527	9	exigent	exigent	ADJ
cblr-9983	1527	10	,	,	PUNCT
cblr-9983	1527	11	an	an	DET
cblr-9983	1527	12	agency	agency	NOUN
cblr-9983	1527	13	could	could	AUX
cblr-9983	1527	14	invoke	invoke	VERB
cblr-9983	1527	15	the	the	DET
cblr-9983	1527	16	§	§	PROPN
cblr-9983	1527	17	553(b	553(b	PROPN
cblr-9983	1527	18	)	)	PUNCT
cblr-9983	1527	19	exception	exception	NOUN
cblr-9983	1527	20	where	where	SCONJ
cblr-9983	1527	21	notice	notice	NOUN
cblr-9983	1527	22	-	-	PUNCT
cblr-9983	1527	23	andcomment	andcomment	NOUN
cblr-9983	1527	24	procedures	procedure	NOUN
cblr-9983	1527	25	would	would	AUX
cblr-9983	1527	26	be	be	AUX
cblr-9983	1527	27	“	"	PUNCT
cblr-9983	1527	28	impracticable	impracticable	ADJ
cblr-9983	1527	29	.	.	PUNCT
cblr-9983	1527	30	”	"	PUNCT
cblr-9983	1528	1	5	5	NUM
cblr-9983	1528	2	u.s.c	u.s.c	ADJ
cblr-9983	1528	3	.	.	PUNCT
cblr-9983	1529	1	§	§	PROPN
cblr-9983	1529	2	553(b	553(b	PROPN
cblr-9983	1529	3	)	)	PUNCT
cblr-9983	1529	4	(	(	PUNCT
cblr-9983	1529	5	2018	2018	NUM
cblr-9983	1529	6	)	)	PUNCT
cblr-9983	1529	7	(	(	PUNCT
cblr-9983	1529	8	“	"	PUNCT
cblr-9983	1529	9	[	[	X
cblr-9983	1529	10	t]his	t]his	ADP
cblr-9983	1529	11	subsection	subsection	NOUN
cblr-9983	1529	12	does	do	AUX
cblr-9983	1529	13	not	not	PART
cblr-9983	1529	14	apply	apply	VERB
cblr-9983	1529	15	.	.	PUNCT
cblr-9983	1529	16	.	.	PUNCT
cblr-9983	1529	17	.	.	PUNCT
cblr-9983	1530	1	when	when	SCONJ
cblr-9983	1530	2	the	the	DET
cblr-9983	1530	3	agency	agency	NOUN
cblr-9983	1530	4	for	for	ADP
cblr-9983	1530	5	good	good	ADJ
cblr-9983	1530	6	cause	cause	NOUN
cblr-9983	1530	7	finds	find	VERB
cblr-9983	1530	8	.	.	PUNCT
cblr-9983	1530	9	.	.	PUNCT
cblr-9983	1530	10	.	.	PUNCT
cblr-9983	1531	1	that	that	DET
cblr-9983	1531	2	notice	notice	NOUN
cblr-9983	1531	3	and	and	CCONJ
cblr-9983	1531	4	public	public	ADJ
cblr-9983	1531	5	procedure	procedure	NOUN
cblr-9983	1531	6	thereon	thereon	NOUN
cblr-9983	1531	7	are	be	AUX
cblr-9983	1531	8	impracticable	impracticable	ADJ
cblr-9983	1531	9	[	[	X
cblr-9983	1531	10	.	.	X
cblr-9983	1531	11	]	]	X
cblr-9983	1531	12	”	"	PUNCT
cblr-9983	1531	13	)	)	PUNCT
cblr-9983	1531	14	.	.	PUNCT
cblr-9983	1532	1	courts	court	NOUN
cblr-9983	1532	2	have	have	AUX
cblr-9983	1532	3	at	at	ADP
cblr-9983	1532	4	times	time	NOUN
cblr-9983	1532	5	been	be	AUX
cblr-9983	1532	6	somewhat	somewhat	ADV
cblr-9983	1532	7	grudging	grudging	ADJ
cblr-9983	1532	8	in	in	ADP
cblr-9983	1532	9	applying	apply	VERB
cblr-9983	1532	10	this	this	DET
cblr-9983	1532	11	exception	exception	NOUN
cblr-9983	1532	12	and	and	CCONJ
cblr-9983	1532	13	,	,	PUNCT
cblr-9983	1532	14	where	where	SCONJ
cblr-9983	1532	15	they	they	PRON
cblr-9983	1532	16	do	do	VERB
cblr-9983	1532	17	,	,	PUNCT
cblr-9983	1532	18	they	they	PRON
cblr-9983	1532	19	often	often	ADV
cblr-9983	1532	20	expect	expect	VERB
cblr-9983	1532	21	that	that	SCONJ
cblr-9983	1532	22	the	the	DET
cblr-9983	1532	23	agency	agency	NOUN
cblr-9983	1532	24	will	will	AUX
cblr-9983	1532	25	conduct	conduct	VERB
cblr-9983	1532	26	a	a	DET
cblr-9983	1532	27	notice	notice	NOUN
cblr-9983	1532	28	-	-	PUNCT
cblr-9983	1532	29	andcomment	andcomment	NOUN
cblr-9983	1532	30	rulemaking	rulemaking	NOUN
cblr-9983	1532	31	process	process	NOUN
cblr-9983	1532	32	after	after	SCONJ
cblr-9983	1532	33	it	it	PRON
cblr-9983	1532	34	has	have	AUX
cblr-9983	1532	35	put	put	VERB
cblr-9983	1532	36	an	an	DET
cblr-9983	1532	37	interim	interim	ADJ
cblr-9983	1532	38	rule	rule	NOUN
cblr-9983	1532	39	into	into	ADP
cblr-9983	1532	40	immediate	immediate	ADJ
cblr-9983	1532	41	effect	effect	NOUN
cblr-9983	1532	42	.	.	PUNCT
cblr-9983	1533	1	see	see	VERB
cblr-9983	1533	2	john	john	PROPN
cblr-9983	1533	3	f.	f.	PROPN
cblr-9983	1533	4	manning	manning	PROPN
cblr-9983	1533	5	&	&	CCONJ
cblr-9983	1533	6	matthew	matthew	PROPN
cblr-9983	1533	7	c.	c.	PROPN
cblr-9983	1533	8	stephenson	stephenson	PROPN
cblr-9983	1533	9	,	,	PUNCT
cblr-9983	1533	10	legislation	legislation	NOUN
cblr-9983	1533	11	and	and	CCONJ
cblr-9983	1533	12	regulation	regulation	NOUN
cblr-9983	1533	13	:	:	PUNCT
cblr-9983	1533	14	case	case	NOUN
cblr-9983	1533	15	and	and	CCONJ
cblr-9983	1533	16	materials	material	NOUN
cblr-9983	1533	17	931–32	931–32	NOUN
cblr-9983	1533	18	(	(	PUNCT
cblr-9983	1533	19	4th	4th	ADJ
cblr-9983	1533	20	ed	ed	NOUN
cblr-9983	1533	21	.	.	PROPN
cblr-9983	1533	22	2021	2021	NUM
cblr-9983	1533	23	)	)	PUNCT
cblr-9983	1533	24	.	.	PUNCT
cblr-9983	1534	1	following	follow	VERB
cblr-9983	1534	2	little	little	ADJ
cblr-9983	1534	3	sisters	sister	NOUN
cblr-9983	1534	4	of	of	ADP
cblr-9983	1534	5	the	the	DET
cblr-9983	1534	6	poor	poor	ADJ
cblr-9983	1534	7	saints	saint	NOUN
cblr-9983	1534	8	peter	peter	PROPN
cblr-9983	1534	9	&	&	CCONJ
cblr-9983	1534	10	paul	paul	PROPN
cblr-9983	1534	11	home	home	PROPN
cblr-9983	1534	12	v.	v.	ADP
cblr-9983	1534	13	pennsylvania	pennsylvania	PROPN
cblr-9983	1534	14	,	,	PUNCT
cblr-9983	1534	15	140	140	NUM
cblr-9983	1534	16	s.ct	s.ct	NOUN
cblr-9983	1534	17	.	.	PROPN
cblr-9983	1534	18	2367	2367	NUM
cblr-9983	1534	19	(	(	PUNCT
cblr-9983	1534	20	2020	2020	NUM
cblr-9983	1534	21	)	)	PUNCT
cblr-9983	1534	22	,	,	PUNCT
cblr-9983	1534	23	agencies	agency	NOUN
cblr-9983	1534	24	may	may	AUX
cblr-9983	1534	25	have	have	VERB
cblr-9983	1534	26	greater	great	ADJ
cblr-9983	1534	27	scope	scope	NOUN
cblr-9983	1534	28	for	for	ADP
cblr-9983	1534	29	using	use	VERB
cblr-9983	1534	30	interim	interim	ADJ
cblr-9983	1534	31	final	final	ADJ
cblr-9983	1534	32	rules	rule	NOUN
cblr-9983	1534	33	.	.	PUNCT
cblr-9983	1535	1	however	however	ADV
cblr-9983	1535	2	,	,	PUNCT
cblr-9983	1535	3	while	while	SCONJ
cblr-9983	1535	4	the	the	DET
cblr-9983	1535	5	majority	majority	NOUN
cblr-9983	1535	6	’s	’s	PART
cblr-9983	1535	7	permissive	permissive	ADJ
cblr-9983	1535	8	approach	approach	NOUN
cblr-9983	1535	9	was	be	AUX
cblr-9983	1535	10	stated	state	VERB
cblr-9983	1535	11	in	in	ADP
cblr-9983	1535	12	broad	broad	ADJ
cblr-9983	1535	13	terms	term	NOUN
cblr-9983	1535	14	with	with	ADP
cblr-9983	1535	15	no	no	DET
cblr-9983	1535	16	hint	hint	NOUN
cblr-9983	1535	17	of	of	ADP
cblr-9983	1535	18	special	special	ADJ
cblr-9983	1535	19	circumstances	circumstance	NOUN
cblr-9983	1535	20	in	in	ADP
cblr-9983	1535	21	that	that	DET
cblr-9983	1535	22	case	case	NOUN
cblr-9983	1535	23	,	,	PUNCT
cblr-9983	1535	24	i	i	PRON
cblr-9983	1535	25	d.	d.	VERB
cblr-9983	1535	26	at	at	ADP
cblr-9983	1535	27	2385–86	2385–86	NUM
cblr-9983	1535	28	,	,	PUNCT
cblr-9983	1535	29	it	it	PRON
cblr-9983	1535	30	remains	remain	VERB
cblr-9983	1535	31	to	to	PART
cblr-9983	1535	32	be	be	AUX
cblr-9983	1535	33	seen	see	VERB
cblr-9983	1535	34	whether	whether	SCONJ
cblr-9983	1535	35	the	the	DET
cblr-9983	1535	36	court	court	NOUN
cblr-9983	1535	37	will	will	AUX
cblr-9983	1535	38	take	take	VERB
cblr-9983	1535	39	a	a	DET
cblr-9983	1535	40	similarly	similarly	ADV
cblr-9983	1535	41	deferential	deferential	ADJ
cblr-9983	1535	42	approach	approach	NOUN
cblr-9983	1535	43	to	to	ADP
cblr-9983	1535	44	agencies	agency	NOUN
cblr-9983	1535	45	in	in	ADP
cblr-9983	1535	46	future	future	ADJ
cblr-9983	1535	47	cases	case	NOUN
cblr-9983	1535	48	in	in	ADP
cblr-9983	1535	49	which	which	PRON
cblr-9983	1535	50	it	it	PRON
cblr-9983	1535	51	has	have	VERB
cblr-9983	1535	52	less	less	ADJ
cblr-9983	1535	53	sympathy	sympathy	NOUN
cblr-9983	1535	54	for	for	ADP
cblr-9983	1535	55	the	the	DET
cblr-9983	1535	56	agency	agency	NOUN
cblr-9983	1535	57	’s	’s	PART
cblr-9983	1535	58	action	action	NOUN
cblr-9983	1535	59	.	.	PUNCT
cblr-9983	1536	1	251	251	NUM
cblr-9983	1536	2	this	this	DET
cblr-9983	1536	3	difference	difference	NOUN
cblr-9983	1536	4	is	be	AUX
cblr-9983	1536	5	at	at	ADV
cblr-9983	1536	6	least	least	ADJ
cblr-9983	1536	7	partly	partly	ADV
cblr-9983	1536	8	because	because	SCONJ
cblr-9983	1536	9	the	the	DET
cblr-9983	1536	10	agencies	agency	NOUN
cblr-9983	1536	11	will	will	AUX
cblr-9983	1536	12	not	not	PART
cblr-9983	1536	13	need	need	VERB
cblr-9983	1536	14	to	to	PART
cblr-9983	1536	15	adopt	adopt	VERB
cblr-9983	1536	16	the	the	DET
cblr-9983	1536	17	litigation	litigation	NOUN
cblr-9983	1536	18	defense	defense	NOUN
cblr-9983	1536	19	mode	mode	NOUN
cblr-9983	1536	20	associated	associate	VERB
cblr-9983	1536	21	with	with	ADP
cblr-9983	1536	22	notice	notice	NOUN
cblr-9983	1536	23	-	-	PUNCT
cblr-9983	1536	24	and	and	CCONJ
cblr-9983	1536	25	-	-	PUNCT
cblr-9983	1536	26	comment	comment	NOUN
cblr-9983	1536	27	rulemaking	rulemaking	NOUN
cblr-9983	1536	28	,	,	PUNCT
cblr-9983	1536	29	such	such	ADJ
cblr-9983	1536	30	as	as	ADP
cblr-9983	1536	31	responding	respond	VERB
cblr-9983	1536	32	to	to	ADP
cblr-9983	1536	33	virtually	virtually	ADV
cblr-9983	1536	34	every	every	DET
cblr-9983	1536	35	unique	unique	ADJ
cblr-9983	1536	36	comment	comment	NOUN
cblr-9983	1536	37	and	and	CCONJ
cblr-9983	1536	38	including	include	VERB
cblr-9983	1536	39	long	long	ADJ
cblr-9983	1536	40	,	,	PUNCT
cblr-9983	1536	41	often	often	ADV
cblr-9983	1536	42	detailed	detailed	ADJ
cblr-9983	1536	43	explanations	explanation	NOUN
cblr-9983	1536	44	and	and	CCONJ
cblr-9983	1536	45	justifications	justification	NOUN
cblr-9983	1536	46	of	of	ADP
cblr-9983	1536	47	the	the	DET
cblr-9983	1536	48	rule	rule	NOUN
cblr-9983	1536	49	in	in	ADP
cblr-9983	1536	50	the	the	DET
cblr-9983	1536	51	federal	federal	ADJ
cblr-9983	1536	52	register	register	NOUN
cblr-9983	1536	53	notice	notice	NOUN
cblr-9983	1536	54	.	.	PUNCT
cblr-9983	1537	1	both	both	DET
cblr-9983	1537	2	these	these	DET
cblr-9983	1537	3	practices	practice	NOUN
cblr-9983	1537	4	are	be	AUX
cblr-9983	1537	5	defensive	defensive	ADJ
cblr-9983	1537	6	measures	measure	NOUN
cblr-9983	1537	7	taken	take	VERB
cblr-9983	1537	8	in	in	ADP
cblr-9983	1537	9	response	response	NOUN
cblr-9983	1537	10	to	to	ADP
cblr-9983	1537	11	judicial	judicial	ADJ
cblr-9983	1537	12	decisions	decision	NOUN
cblr-9983	1537	13	invalidating	invalidate	VERB
cblr-9983	1537	14	agency	agency	NOUN
cblr-9983	1537	15	rules	rule	NOUN
cblr-9983	1537	16	as	as	ADP
cblr-9983	1537	17	either	either	CCONJ
cblr-9983	1537	18	procedurally	procedurally	ADV
cblr-9983	1537	19	deficient	deficient	ADJ
cblr-9983	1537	20	or	or	CCONJ
cblr-9983	1537	21	arbitrary	arbitrary	ADJ
cblr-9983	1537	22	and	and	CCONJ
cblr-9983	1537	23	capricious	capricious	ADJ
cblr-9983	1537	24	.	.	PUNCT
cblr-9983	1538	1	366	366	NUM
cblr-9983	1538	2	columbia	columbia	PROPN
cblr-9983	1538	3	business	business	NOUN
cblr-9983	1538	4	law	law	PROPN
cblr-9983	1538	5	review	review	NOUN
cblr-9983	1538	6	[	[	X
cblr-9983	1538	7	vol	vol	NOUN
cblr-9983	1538	8	.	.	PUNCT
cblr-9983	1538	9	2022	2022	NUM
cblr-9983	1538	10	guidance	guidance	NOUN
cblr-9983	1538	11	documents	document	NOUN
cblr-9983	1538	12	are	be	AUX
cblr-9983	1538	13	relatively	relatively	ADV
cblr-9983	1538	14	lengthy	lengthy	ADJ
cblr-9983	1538	15	,	,	PUNCT
cblr-9983	1538	16	they	they	PRON
cblr-9983	1538	17	generally	generally	ADV
cblr-9983	1538	18	do	do	AUX
cblr-9983	1538	19	not	not	PART
cblr-9983	1538	20	include	include	VERB
cblr-9983	1538	21	anything	anything	PRON
cblr-9983	1538	22	like	like	ADP
cblr-9983	1538	23	the	the	DET
cblr-9983	1538	24	specificity	specificity	NOUN
cblr-9983	1538	25	one	one	PRON
cblr-9983	1538	26	would	would	AUX
cblr-9983	1538	27	find	find	VERB
cblr-9983	1538	28	in	in	ADP
cblr-9983	1538	29	legislative	legislative	ADJ
cblr-9983	1538	30	rules	rule	NOUN
cblr-9983	1538	31	such	such	ADJ
cblr-9983	1538	32	as	as	ADP
cblr-9983	1538	33	capital	capital	NOUN
cblr-9983	1538	34	and	and	CCONJ
cblr-9983	1538	35	liquidity	liquidity	NOUN
cblr-9983	1538	36	requirements	requirement	NOUN
cblr-9983	1538	37	,	,	PUNCT
cblr-9983	1538	38	counterparty	counterparty	NOUN
cblr-9983	1538	39	credit	credit	NOUN
cblr-9983	1538	40	exposure	exposure	NOUN
cblr-9983	1538	41	limits	limit	NOUN
cblr-9983	1538	42	,	,	PUNCT
cblr-9983	1538	43	and	and	CCONJ
cblr-9983	1538	44	permissible	permissible	ADJ
cblr-9983	1538	45	activities	activity	NOUN
cblr-9983	1538	46	for	for	ADP
cblr-9983	1538	47	affiliates	affiliate	NOUN
cblr-9983	1538	48	of	of	ADP
cblr-9983	1538	49	bank	bank	NOUN
cblr-9983	1538	50	holding	hold	VERB
cblr-9983	1538	51	companies	company	NOUN
cblr-9983	1538	52	.	.	PUNCT
cblr-9983	1539	1	in	in	ADP
cblr-9983	1539	2	the	the	DET
cblr-9983	1539	3	present	present	ADJ
cblr-9983	1539	4	hypothetical	hypothetical	NOUN
cblr-9983	1539	5	,	,	PUNCT
cblr-9983	1539	6	the	the	DET
cblr-9983	1539	7	agencies	agency	NOUN
cblr-9983	1539	8	would	would	AUX
cblr-9983	1539	9	be	be	AUX
cblr-9983	1539	10	unable	unable	ADJ
cblr-9983	1539	11	to	to	PART
cblr-9983	1539	12	draft	draft	VERB
cblr-9983	1539	13	rules	rule	NOUN
cblr-9983	1539	14	for	for	ADP
cblr-9983	1539	15	the	the	DET
cblr-9983	1539	16	use	use	NOUN
cblr-9983	1539	17	of	of	ADP
cblr-9983	1539	18	ai	ai	ADJ
cblr-9983	1539	19	models	model	NOUN
cblr-9983	1539	20	in	in	ADP
cblr-9983	1539	21	credit	credit	NOUN
cblr-9983	1539	22	decisions	decision	NOUN
cblr-9983	1539	23	that	that	PRON
cblr-9983	1539	24	even	even	ADV
cblr-9983	1539	25	approached	approach	VERB
cblr-9983	1539	26	this	this	DET
cblr-9983	1539	27	level	level	NOUN
cblr-9983	1539	28	of	of	ADP
cblr-9983	1539	29	specificity	specificity	NOUN
cblr-9983	1539	30	.	.	PUNCT
cblr-9983	1540	1	experience	experience	NOUN
cblr-9983	1540	2	with	with	ADP
cblr-9983	1540	3	these	these	DET
cblr-9983	1540	4	models	model	NOUN
cblr-9983	1540	5	is	be	AUX
cblr-9983	1540	6	limited	limit	VERB
cblr-9983	1540	7	,	,	PUNCT
cblr-9983	1540	8	the	the	DET
cblr-9983	1540	9	nature	nature	NOUN
cblr-9983	1540	10	and	and	CCONJ
cblr-9983	1540	11	use	use	NOUN
cblr-9983	1540	12	of	of	ADP
cblr-9983	1540	13	the	the	DET
cblr-9983	1540	14	models	model	NOUN
cblr-9983	1540	15	is	be	AUX
cblr-9983	1540	16	evolving	evolve	VERB
cblr-9983	1540	17	rapidly	rapidly	ADV
cblr-9983	1540	18	,	,	PUNCT
cblr-9983	1540	19	and	and	CCONJ
cblr-9983	1540	20	the	the	DET
cblr-9983	1540	21	appropriate	appropriate	ADJ
cblr-9983	1540	22	risk	risk	NOUN
cblr-9983	1540	23	management	management	NOUN
cblr-9983	1540	24	practices	practice	NOUN
cblr-9983	1540	25	likely	likely	ADV
cblr-9983	1540	26	vary	vary	VERB
cblr-9983	1540	27	materially	materially	ADV
cblr-9983	1540	28	from	from	ADP
cblr-9983	1540	29	one	one	NUM
cblr-9983	1540	30	bank	bank	NOUN
cblr-9983	1540	31	to	to	ADP
cblr-9983	1540	32	another	another	PRON
cblr-9983	1540	33	.	.	PUNCT
cblr-9983	1541	1	if	if	SCONJ
cblr-9983	1541	2	one	one	NOUN
cblr-9983	1541	3	forced	force	VERB
cblr-9983	1541	4	the	the	DET
cblr-9983	1541	5	agency	agency	NOUN
cblr-9983	1541	6	to	to	PART
cblr-9983	1541	7	enact	enact	VERB
cblr-9983	1541	8	this	this	DET
cblr-9983	1541	9	kind	kind	NOUN
cblr-9983	1541	10	of	of	ADP
cblr-9983	1541	11	guidance	guidance	NOUN
cblr-9983	1541	12	as	as	ADP
cblr-9983	1541	13	a	a	DET
cblr-9983	1541	14	rule	rule	NOUN
cblr-9983	1541	15	,	,	PUNCT
cblr-9983	1541	16	it	it	PRON
cblr-9983	1541	17	would	would	AUX
cblr-9983	1541	18	necessarily	necessarily	ADV
cblr-9983	1541	19	be	be	AUX
cblr-9983	1541	20	quite	quite	ADV
cblr-9983	1541	21	general	general	ADJ
cblr-9983	1541	22	in	in	ADP
cblr-9983	1541	23	places	place	NOUN
cblr-9983	1541	24	and	and	CCONJ
cblr-9983	1541	25	would	would	AUX
cblr-9983	1541	26	still	still	ADV
cblr-9983	1541	27	require	require	VERB
cblr-9983	1541	28	the	the	DET
cblr-9983	1541	29	very	very	ADJ
cblr-9983	1541	30	kind	kind	NOUN
cblr-9983	1541	31	of	of	ADP
cblr-9983	1541	32	supervisory	supervisory	ADJ
cblr-9983	1541	33	assessment	assessment	NOUN
cblr-9983	1541	34	and	and	CCONJ
cblr-9983	1541	35	bank	bank	NOUN
cblr-9983	1541	36	-	-	PUNCT
cblr-9983	1541	37	specific	specific	ADJ
cblr-9983	1541	38	application	application	NOUN
cblr-9983	1541	39	contemplated	contemplate	VERB
cblr-9983	1541	40	in	in	ADP
cblr-9983	1541	41	the	the	DET
cblr-9983	1541	42	guidance	guidance	NOUN
cblr-9983	1541	43	before	before	SCONJ
cblr-9983	1541	44	there	there	PRON
cblr-9983	1541	45	could	could	AUX
cblr-9983	1541	46	be	be	AUX
cblr-9983	1541	47	a	a	DET
cblr-9983	1541	48	determination	determination	NOUN
cblr-9983	1541	49	that	that	SCONJ
cblr-9983	1541	50	it	it	PRON
cblr-9983	1541	51	had	have	AUX
cblr-9983	1541	52	been	be	AUX
cblr-9983	1541	53	“	"	PUNCT
cblr-9983	1541	54	violated	violate	VERB
cblr-9983	1541	55	.	.	PUNCT
cblr-9983	1541	56	”252	”252	PROPN
cblr-9983	1541	57	as	as	SCONJ
cblr-9983	1541	58	suggested	suggest	VERB
cblr-9983	1541	59	earlier	early	ADV
cblr-9983	1541	60	,	,	PUNCT
cblr-9983	1541	61	the	the	DET
cblr-9983	1541	62	alternative	alternative	NOUN
cblr-9983	1541	63	to	to	ADP
cblr-9983	1541	64	a	a	DET
cblr-9983	1541	65	vague	vague	ADJ
cblr-9983	1541	66	regulatory	regulatory	ADJ
cblr-9983	1541	67	rule	rule	NOUN
cblr-9983	1541	68	could	could	AUX
cblr-9983	1541	69	be	be	AUX
cblr-9983	1541	70	a	a	DET
cblr-9983	1541	71	more	more	ADV
cblr-9983	1541	72	precise	precise	ADJ
cblr-9983	1541	73	but	but	CCONJ
cblr-9983	1541	74	very	very	ADV
cblr-9983	1541	75	blunt	blunt	ADJ
cblr-9983	1541	76	and	and	CCONJ
cblr-9983	1541	77	restrictive	restrictive	ADJ
cblr-9983	1541	78	one	one	NUM
cblr-9983	1541	79	.	.	PUNCT
cblr-9983	1542	1	alternatively	alternatively	ADV
cblr-9983	1542	2	,	,	PUNCT
cblr-9983	1542	3	a	a	DET
cblr-9983	1542	4	materially	materially	ADV
cblr-9983	1542	5	higher	high	ADJ
cblr-9983	1542	6	capital	capital	NOUN
cblr-9983	1542	7	requirement	requirement	NOUN
cblr-9983	1542	8	would	would	AUX
cblr-9983	1542	9	try	try	VERB
cblr-9983	1542	10	to	to	PART
cblr-9983	1542	11	assure	assure	VERB
cblr-9983	1542	12	bank	bank	NOUN
cblr-9983	1542	13	resiliency	resiliency	NOUN
cblr-9983	1542	14	in	in	ADP
cblr-9983	1542	15	the	the	DET
cblr-9983	1542	16	face	face	NOUN
cblr-9983	1542	17	of	of	ADP
cblr-9983	1542	18	uncertain	uncertain	ADJ
cblr-9983	1542	19	risks	risk	NOUN
cblr-9983	1542	20	associated	associate	VERB
cblr-9983	1542	21	with	with	ADP
cblr-9983	1542	22	ai	ai	PROPN
cblr-9983	1542	23	models	model	NOUN
cblr-9983	1542	24	.	.	PUNCT
cblr-9983	1543	1	an	an	DET
cblr-9983	1543	2	outright	outright	ADJ
cblr-9983	1543	3	prohibition	prohibition	NOUN
cblr-9983	1543	4	on	on	ADP
cblr-9983	1543	5	certain	certain	ADJ
cblr-9983	1543	6	forms	form	NOUN
cblr-9983	1543	7	of	of	ADP
cblr-9983	1543	8	models	model	NOUN
cblr-9983	1543	9	or	or	CCONJ
cblr-9983	1543	10	certain	certain	ADJ
cblr-9983	1543	11	products	product	NOUN
cblr-9983	1543	12	associated	associate	VERB
cblr-9983	1543	13	with	with	ADP
cblr-9983	1543	14	them	they	PRON
cblr-9983	1543	15	would	would	AUX
cblr-9983	1543	16	try	try	VERB
cblr-9983	1543	17	to	to	PART
cblr-9983	1543	18	prevent	prevent	VERB
cblr-9983	1543	19	risk	risk	NOUN
cblr-9983	1543	20	management	management	NOUN
cblr-9983	1543	21	errors	error	NOUN
cblr-9983	1543	22	associated	associate	VERB
cblr-9983	1543	23	with	with	ADP
cblr-9983	1543	24	new	new	ADJ
cblr-9983	1543	25	methodologies	methodology	NOUN
cblr-9983	1543	26	.	.	PUNCT
cblr-9983	1544	1	each	each	PRON
cblr-9983	1544	2	of	of	ADP
cblr-9983	1544	3	these	these	DET
cblr-9983	1544	4	alternatives	alternative	NOUN
cblr-9983	1544	5	would	would	AUX
cblr-9983	1544	6	almost	almost	ADV
cblr-9983	1544	7	surely	surely	ADV
cblr-9983	1544	8	be	be	AUX
cblr-9983	1544	9	more	more	ADV
cblr-9983	1544	10	socially	socially	ADV
cblr-9983	1544	11	costly	costly	ADJ
cblr-9983	1544	12	than	than	ADP
cblr-9983	1544	13	an	an	DET
cblr-9983	1544	14	iterative	iterative	NOUN
cblr-9983	1544	15	process	process	NOUN
cblr-9983	1544	16	in	in	ADP
cblr-9983	1544	17	which	which	PRON
cblr-9983	1544	18	supervisors	supervisor	NOUN
cblr-9983	1544	19	and	and	CCONJ
cblr-9983	1544	20	bank	bank	NOUN
cblr-9983	1544	21	risk	risk	NOUN
cblr-9983	1544	22	managers	manager	NOUN
cblr-9983	1544	23	applied	apply	VERB
cblr-9983	1544	24	generally	generally	ADV
cblr-9983	1544	25	stated	state	VERB
cblr-9983	1544	26	guidance	guidance	NOUN
cblr-9983	1544	27	based	base	VERB
cblr-9983	1544	28	on	on	ADP
cblr-9983	1544	29	the	the	DET
cblr-9983	1544	30	expertise	expertise	NOUN
cblr-9983	1544	31	and	and	CCONJ
cblr-9983	1544	32	experience	experience	NOUN
cblr-9983	1544	33	of	of	ADP
cblr-9983	1544	34	each	each	DET
cblr-9983	1544	35	firm	firm	NOUN
cblr-9983	1544	36	.	.	PUNCT
cblr-9983	1545	1	in	in	ADP
cblr-9983	1545	2	short	short	ADJ
cblr-9983	1545	3	,	,	PUNCT
cblr-9983	1545	4	supervisory	supervisory	ADJ
cblr-9983	1545	5	guidance	guidance	NOUN
cblr-9983	1545	6	documents	document	NOUN
cblr-9983	1545	7	are	be	AUX
cblr-9983	1545	8	usually	usually	ADV
cblr-9983	1545	9	not	not	PART
cblr-9983	1545	10	intended	intend	VERB
cblr-9983	1545	11	to	to	PART
cblr-9983	1545	12	serve	serve	VERB
cblr-9983	1545	13	the	the	DET
cblr-9983	1545	14	same	same	ADJ
cblr-9983	1545	15	purpose	purpose	NOUN
cblr-9983	1545	16	as	as	ADP
cblr-9983	1545	17	legislative	legislative	ADJ
cblr-9983	1545	18	rules	rule	NOUN
cblr-9983	1545	19	.	.	PUNCT
cblr-9983	1546	1	they	they	PRON
cblr-9983	1546	2	are	be	AUX
cblr-9983	1546	3	not	not	PART
cblr-9983	1546	4	intended	intend	VERB
cblr-9983	1546	5	to	to	PART
cblr-9983	1546	6	be	be	AUX
cblr-9983	1546	7	treated	treat	VERB
cblr-9983	1546	8	as	as	ADP
cblr-9983	1546	9	equivalent	equivalent	ADJ
cblr-9983	1546	10	to	to	ADP
cblr-9983	1546	11	a	a	DET
cblr-9983	1546	12	violation	violation	NOUN
cblr-9983	1546	13	of	of	ADP
cblr-9983	1546	14	a	a	DET
cblr-9983	1546	15	regulatory	regulatory	ADJ
cblr-9983	1546	16	rule	rule	NOUN
cblr-9983	1546	17	or	or	CCONJ
cblr-9983	1546	18	a	a	DET
cblr-9983	1546	19	finding	finding	NOUN
cblr-9983	1546	20	of	of	ADP
cblr-9983	1546	21	an	an	DET
cblr-9983	1546	22	“	"	PUNCT
cblr-9983	1546	23	unsafe	unsafe	ADJ
cblr-9983	1546	24	or	or	CCONJ
cblr-9983	1546	25	unsound	unsound	ADJ
cblr-9983	1546	26	”	"	PUNCT
cblr-9983	1546	27	practice	practice	NOUN
cblr-9983	1546	28	.	.	PUNCT
cblr-9983	1547	1	252	252	NUM
cblr-9983	1547	2	contrast	contrast	NOUN
cblr-9983	1547	3	the	the	DET
cblr-9983	1547	4	supervisory	supervisory	ADJ
cblr-9983	1547	5	position	position	NOUN
cblr-9983	1547	6	postulated	postulate	VERB
cblr-9983	1547	7	in	in	ADP
cblr-9983	1547	8	the	the	DET
cblr-9983	1547	9	text	text	NOUN
cblr-9983	1547	10	with	with	ADP
cblr-9983	1547	11	the	the	DET
cblr-9983	1547	12	well	well	ADV
cblr-9983	1547	13	-	-	PUNCT
cblr-9983	1547	14	grounded	ground	VERB
cblr-9983	1547	15	belief	belief	NOUN
cblr-9983	1547	16	of	of	ADP
cblr-9983	1547	17	some	some	DET
cblr-9983	1547	18	commentators	commentator	NOUN
cblr-9983	1547	19	that	that	PRON
cblr-9983	1547	20	requiring	require	VERB
cblr-9983	1547	21	legislative	legislative	ADJ
cblr-9983	1547	22	rules	rule	NOUN
cblr-9983	1547	23	in	in	ADP
cblr-9983	1547	24	place	place	NOUN
cblr-9983	1547	25	of	of	ADP
cblr-9983	1547	26	guidance	guidance	NOUN
cblr-9983	1547	27	could	could	AUX
cblr-9983	1547	28	incentivize	incentivize	VERB
cblr-9983	1547	29	agencies	agency	NOUN
cblr-9983	1547	30	to	to	PART
cblr-9983	1547	31	issue	issue	VERB
cblr-9983	1547	32	vague	vague	ADJ
cblr-9983	1547	33	rules	rule	NOUN
cblr-9983	1547	34	that	that	SCONJ
cblr-9983	1547	35	they	they	PRON
cblr-9983	1547	36	would	would	AUX
cblr-9983	1547	37	then	then	ADV
cblr-9983	1547	38	apply	apply	VERB
cblr-9983	1547	39	broadly	broadly	ADV
cblr-9983	1547	40	in	in	ADP
cblr-9983	1547	41	subsequent	subsequent	ADJ
cblr-9983	1547	42	enforcement	enforcement	NOUN
cblr-9983	1547	43	actions	action	NOUN
cblr-9983	1547	44	.	.	PUNCT
cblr-9983	1548	1	see	see	VERB
cblr-9983	1548	2	,	,	PUNCT
cblr-9983	1548	3	e.g.	e.g.	ADV
cblr-9983	1548	4	,	,	PUNCT
cblr-9983	1548	5	john	john	PROPN
cblr-9983	1548	6	f.	f.	PROPN
cblr-9983	1548	7	manning	manning	PROPN
cblr-9983	1548	8	,	,	PUNCT
cblr-9983	1548	9	nonlegislative	nonlegislative	ADJ
cblr-9983	1548	10	rules	rule	NOUN
cblr-9983	1548	11	,	,	PUNCT
cblr-9983	1548	12	72	72	NUM
cblr-9983	1548	13	geo	geo	PROPN
cblr-9983	1548	14	.	.	PROPN
cblr-9983	1548	15	wash	wash	PROPN
cblr-9983	1548	16	.	.	PUNCT
cblr-9983	1549	1	l.	l.	PROPN
cblr-9983	1549	2	rev	rev	PROPN
cblr-9983	1549	3	.	.	PROPN
cblr-9983	1549	4	893	893	NUM
cblr-9983	1549	5	,	,	PUNCT
cblr-9983	1549	6	896	896	NUM
cblr-9983	1549	7	(	(	PUNCT
cblr-9983	1549	8	2004	2004	NUM
cblr-9983	1549	9	)	)	PUNCT
cblr-9983	1549	10	.	.	PUNCT
cblr-9983	1550	1	with	with	ADP
cblr-9983	1550	2	much	much	ADJ
cblr-9983	1550	3	supervisory	supervisory	ADJ
cblr-9983	1550	4	guidance	guidance	NOUN
cblr-9983	1550	5	,	,	PUNCT
cblr-9983	1550	6	i	i	PRON
cblr-9983	1550	7	suggest	suggest	VERB
cblr-9983	1550	8	,	,	PUNCT
cblr-9983	1550	9	the	the	DET
cblr-9983	1550	10	banking	banking	NOUN
cblr-9983	1550	11	agency	agency	NOUN
cblr-9983	1550	12	would	would	AUX
cblr-9983	1550	13	not	not	PART
cblr-9983	1550	14	choose	choose	VERB
cblr-9983	1550	15	a	a	DET
cblr-9983	1550	16	vague	vague	ADJ
cblr-9983	1550	17	rule	rule	NOUN
cblr-9983	1550	18	;	;	PUNCT
cblr-9983	1550	19	it	it	PRON
cblr-9983	1550	20	would	would	AUX
cblr-9983	1550	21	have	have	VERB
cblr-9983	1550	22	little	little	ADJ
cblr-9983	1550	23	choice	choice	NOUN
cblr-9983	1550	24	other	other	ADJ
cblr-9983	1550	25	than	than	SCONJ
cblr-9983	1550	26	to	to	PART
cblr-9983	1550	27	adopt	adopt	VERB
cblr-9983	1550	28	one	one	NUM
cblr-9983	1550	29	.	.	PUNCT
cblr-9983	1551	1	no	no	INTJ
cblr-9983	1551	2	.	.	PUNCT
cblr-9983	1552	1	1:279	1:279	NOUN
cblr-9983	1552	2	]	]	X
cblr-9983	1552	3	bank	bank	NOUN
cblr-9983	1552	4	supervision	supervision	NOUN
cblr-9983	1552	5	and	and	CCONJ
cblr-9983	1552	6	administrative	administrative	ADJ
cblr-9983	1552	7	law	law	NOUN
cblr-9983	1552	8	367	367	NUM
cblr-9983	1552	9	instead	instead	ADV
cblr-9983	1552	10	,	,	PUNCT
cblr-9983	1552	11	they	they	PRON
cblr-9983	1552	12	are	be	AUX
cblr-9983	1552	13	a	a	DET
cblr-9983	1552	14	critical	critical	ADJ
cblr-9983	1552	15	part	part	NOUN
cblr-9983	1552	16	of	of	ADP
cblr-9983	1552	17	the	the	DET
cblr-9983	1552	18	supervisory	supervisory	ADJ
cblr-9983	1552	19	function.253	function.253	NOUN
cblr-9983	1552	20	they	they	PRON
cblr-9983	1552	21	focus	focus	VERB
cblr-9983	1552	22	the	the	DET
cblr-9983	1552	23	attention	attention	NOUN
cblr-9983	1552	24	and	and	CCONJ
cblr-9983	1552	25	efforts	effort	NOUN
cblr-9983	1552	26	of	of	ADP
cblr-9983	1552	27	line	line	NOUN
cblr-9983	1552	28	supervisors	supervisor	NOUN
cblr-9983	1552	29	in	in	ADP
cblr-9983	1552	30	fulfilling	fulfil	VERB
cblr-9983	1552	31	their	their	PRON
cblr-9983	1552	32	statutory	statutory	ADJ
cblr-9983	1552	33	and	and	CCONJ
cblr-9983	1552	34	institutional	institutional	ADJ
cblr-9983	1552	35	responsibilities	responsibility	NOUN
cblr-9983	1552	36	for	for	ADP
cblr-9983	1552	37	evaluating	evaluate	VERB
cblr-9983	1552	38	the	the	DET
cblr-9983	1552	39	conditions	condition	NOUN
cblr-9983	1552	40	and	and	CCONJ
cblr-9983	1552	41	management	management	NOUN
cblr-9983	1552	42	of	of	ADP
cblr-9983	1552	43	banking	banking	NOUN
cblr-9983	1552	44	organizations	organization	NOUN
cblr-9983	1552	45	,	,	PUNCT
cblr-9983	1552	46	especially	especially	ADV
cblr-9983	1552	47	with	with	ADP
cblr-9983	1552	48	respect	respect	NOUN
cblr-9983	1552	49	to	to	ADP
cblr-9983	1552	50	activities	activity	NOUN
cblr-9983	1552	51	that	that	PRON
cblr-9983	1552	52	are	be	AUX
cblr-9983	1552	53	heterogeneous	heterogeneous	ADJ
cblr-9983	1552	54	across	across	ADP
cblr-9983	1552	55	firms	firm	NOUN
cblr-9983	1552	56	,	,	PUNCT
cblr-9983	1552	57	rapidly	rapidly	ADV
cblr-9983	1552	58	changing	change	VERB
cblr-9983	1552	59	,	,	PUNCT
cblr-9983	1552	60	or	or	CCONJ
cblr-9983	1552	61	both	both	PRON
cblr-9983	1552	62	.	.	PUNCT
cblr-9983	1553	1	they	they	PRON
cblr-9983	1553	2	are	be	AUX
cblr-9983	1553	3	intended	intend	VERB
cblr-9983	1553	4	to	to	PART
cblr-9983	1553	5	help	help	VERB
cblr-9983	1553	6	supervisors	supervisor	NOUN
cblr-9983	1553	7	identify	identify	VERB
cblr-9983	1553	8	vulnerabilities	vulnerability	NOUN
cblr-9983	1553	9	and	and	CCONJ
cblr-9983	1553	10	risks	risk	NOUN
cblr-9983	1553	11	before	before	SCONJ
cblr-9983	1553	12	those	those	DET
cblr-9983	1553	13	problems	problem	NOUN
cblr-9983	1553	14	ripen	ripen	VERB
cblr-9983	1553	15	into	into	ADP
cblr-9983	1553	16	serious	serious	ADJ
cblr-9983	1553	17	problems	problem	NOUN
cblr-9983	1553	18	for	for	ADP
cblr-9983	1553	19	a	a	DET
cblr-9983	1553	20	bank	bank	NOUN
cblr-9983	1553	21	.	.	PUNCT
cblr-9983	1554	1	once	once	ADV
cblr-9983	1554	2	identified	identify	VERB
cblr-9983	1554	3	,	,	PUNCT
cblr-9983	1554	4	those	those	DET
cblr-9983	1554	5	risks	risk	NOUN
cblr-9983	1554	6	are	be	AUX
cblr-9983	1554	7	addressed	address	VERB
cblr-9983	1554	8	through	through	ADP
cblr-9983	1554	9	appropriate	appropriate	ADJ
cblr-9983	1554	10	supervisory	supervisory	ADJ
cblr-9983	1554	11	channels	channel	NOUN
cblr-9983	1554	12	,	,	PUNCT
cblr-9983	1554	13	ranging	range	VERB
cblr-9983	1554	14	from	from	ADP
cblr-9983	1554	15	informal	informal	ADJ
cblr-9983	1554	16	communications	communication	NOUN
cblr-9983	1554	17	by	by	ADP
cblr-9983	1554	18	dedicated	dedicated	ADJ
cblr-9983	1554	19	supervisory	supervisory	ADJ
cblr-9983	1554	20	teams	team	NOUN
cblr-9983	1554	21	to	to	ADP
cblr-9983	1554	22	mras	mras	ADJ
cblr-9983	1554	23	to	to	ADP
cblr-9983	1554	24	ratings	rating	NOUN
cblr-9983	1554	25	changes	change	NOUN
cblr-9983	1554	26	and	and	CCONJ
cblr-9983	1554	27	associated	associate	VERB
cblr-9983	1554	28	remedial	remedial	ADJ
cblr-9983	1554	29	programs	program	NOUN
cblr-9983	1554	30	.	.	PUNCT
cblr-9983	1555	1	in	in	ADP
cblr-9983	1555	2	many	many	ADJ
cblr-9983	1555	3	instances	instance	NOUN
cblr-9983	1555	4	,	,	PUNCT
cblr-9983	1555	5	this	this	DET
cblr-9983	1555	6	approach	approach	NOUN
cblr-9983	1555	7	allows	allow	VERB
cblr-9983	1555	8	for	for	ADP
cblr-9983	1555	9	considerable	considerable	ADJ
cblr-9983	1555	10	involvement	involvement	NOUN
cblr-9983	1555	11	by	by	ADP
cblr-9983	1555	12	the	the	DET
cblr-9983	1555	13	bank	bank	NOUN
cblr-9983	1555	14	itself	itself	PRON
cblr-9983	1555	15	in	in	ADP
cblr-9983	1555	16	framing	frame	VERB
cblr-9983	1555	17	measures	measure	NOUN
cblr-9983	1555	18	to	to	PART
cblr-9983	1555	19	mitigate	mitigate	VERB
cblr-9983	1555	20	the	the	DET
cblr-9983	1555	21	risks	risk	NOUN
cblr-9983	1555	22	identified	identify	VERB
cblr-9983	1555	23	.	.	PUNCT
cblr-9983	1556	1	this	this	DET
cblr-9983	1556	2	interaction	interaction	NOUN
cblr-9983	1556	3	reflects	reflect	VERB
cblr-9983	1556	4	the	the	DET
cblr-9983	1556	5	fact	fact	NOUN
cblr-9983	1556	6	of	of	ADP
cblr-9983	1556	7	an	an	DET
cblr-9983	1556	8	ongoing	ongoing	ADJ
cblr-9983	1556	9	supervisory	supervisory	ADJ
cblr-9983	1556	10	relationship	relationship	NOUN
cblr-9983	1556	11	,	,	PUNCT
cblr-9983	1556	12	as	as	SCONJ
cblr-9983	1556	13	contemplated	contemplate	VERB
cblr-9983	1556	14	by	by	ADP
cblr-9983	1556	15	congress	congress	PROPN
cblr-9983	1556	16	and	and	CCONJ
cblr-9983	1556	17	built	build	VERB
cblr-9983	1556	18	out	out	ADP
cblr-9983	1556	19	by	by	ADP
cblr-9983	1556	20	the	the	DET
cblr-9983	1556	21	agencies	agency	NOUN
cblr-9983	1556	22	.	.	PUNCT
cblr-9983	1557	1	these	these	DET
cblr-9983	1557	2	processes	process	NOUN
cblr-9983	1557	3	have	have	VERB
cblr-9983	1557	4	consequences	consequence	NOUN
cblr-9983	1557	5	,	,	PUNCT
cblr-9983	1557	6	to	to	PART
cblr-9983	1557	7	be	be	AUX
cblr-9983	1557	8	sure	sure	ADJ
cblr-9983	1557	9	.	.	PUNCT
cblr-9983	1558	1	they	they	PRON
cblr-9983	1558	2	are	be	AUX
cblr-9983	1558	3	supposed	suppose	VERB
cblr-9983	1558	4	to	to	PART
cblr-9983	1558	5	.	.	PUNCT
cblr-9983	1559	1	but	but	CCONJ
cblr-9983	1559	2	those	those	DET
cblr-9983	1559	3	consequences	consequence	NOUN
cblr-9983	1559	4	are	be	AUX
cblr-9983	1559	5	defined	define	VERB
cblr-9983	1559	6	and	and	CCONJ
cblr-9983	1559	7	managed	manage	VERB
cblr-9983	1559	8	within	within	ADP
cblr-9983	1559	9	the	the	DET
cblr-9983	1559	10	supervisory	supervisory	ADJ
cblr-9983	1559	11	function	function	NOUN
cblr-9983	1559	12	itself	itself	PRON
cblr-9983	1559	13	.	.	PUNCT
cblr-9983	1560	1	iv	iv	X
cblr-9983	1560	2	.	.	PROPN
cblr-9983	1560	3	is	be	AUX
cblr-9983	1560	4	a	a	DET
cblr-9983	1560	5	different	different	ADJ
cblr-9983	1560	6	approach	approach	NOUN
cblr-9983	1560	7	feasible	feasible	ADJ
cblr-9983	1560	8	?	?	PUNCT
cblr-9983	1561	1	the	the	DET
cblr-9983	1561	2	doctrinal	doctrinal	ADJ
cblr-9983	1561	3	analyses	analysis	NOUN
cblr-9983	1561	4	in	in	ADP
cblr-9983	1561	5	part	part	NOUN
cblr-9983	1561	6	iii	iii	NUM
cblr-9983	1561	7	argued	argue	VERB
cblr-9983	1561	8	that	that	SCONJ
cblr-9983	1561	9	the	the	DET
cblr-9983	1561	10	statutory	statutory	ADJ
cblr-9983	1561	11	foundations	foundation	NOUN
cblr-9983	1561	12	of	of	ADP
cblr-9983	1561	13	supervision	supervision	NOUN
cblr-9983	1561	14	,	,	PUNCT
cblr-9983	1561	15	along	along	ADP
cblr-9983	1561	16	with	with	ADP
cblr-9983	1561	17	the	the	DET
cblr-9983	1561	18	substantive	substantive	ADJ
cblr-9983	1561	19	features	feature	NOUN
cblr-9983	1561	20	of	of	ADP
cblr-9983	1561	21	bank	bank	NOUN
cblr-9983	1561	22	regulatory	regulatory	ADJ
cblr-9983	1561	23	statutes	statute	NOUN
cblr-9983	1561	24	,	,	PUNCT
cblr-9983	1561	25	should	should	AUX
cblr-9983	1561	26	be	be	AUX
cblr-9983	1561	27	considered	consider	VERB
cblr-9983	1561	28	in	in	ADP
cblr-9983	1561	29	determining	determine	VERB
cblr-9983	1561	30	the	the	DET
cblr-9983	1561	31	consistency	consistency	NOUN
cblr-9983	1561	32	of	of	ADP
cblr-9983	1561	33	supervisory	supervisory	ADJ
cblr-9983	1561	34	activities	activity	NOUN
cblr-9983	1561	35	with	with	ADP
cblr-9983	1561	36	administrative	administrative	ADJ
cblr-9983	1561	37	law	law	NOUN
cblr-9983	1561	38	.	.	PUNCT
cblr-9983	1562	1	when	when	SCONJ
cblr-9983	1562	2	they	they	PRON
cblr-9983	1562	3	are	be	AUX
cblr-9983	1562	4	,	,	PUNCT
cblr-9983	1562	5	those	those	DET
cblr-9983	1562	6	activities	activity	NOUN
cblr-9983	1562	7	should	should	AUX
cblr-9983	1562	8	generally	generally	ADV
cblr-9983	1562	9	fare	fare	VERB
cblr-9983	1562	10	well	well	ADV
cblr-9983	1562	11	against	against	ADP
cblr-9983	1562	12	legal	legal	ADJ
cblr-9983	1562	13	challenges	challenge	NOUN
cblr-9983	1562	14	.	.	PUNCT
cblr-9983	1563	1	yet	yet	ADV
cblr-9983	1563	2	part	part	NOUN
cblr-9983	1563	3	iii	iii	X
cblr-9983	1563	4	also	also	ADV
cblr-9983	1563	5	revealed	reveal	VERB
cblr-9983	1563	6	a	a	DET
cblr-9983	1563	7	conceptual	conceptual	ADJ
cblr-9983	1563	8	mismatch	mismatch	NOUN
cblr-9983	1563	9	between	between	ADP
cblr-9983	1563	10	significant	significant	ADJ
cblr-9983	1563	11	strands	strand	NOUN
cblr-9983	1563	12	of	of	ADP
cblr-9983	1563	13	administrative	administrative	ADJ
cblr-9983	1563	14	law	law	NOUN
cblr-9983	1563	15	and	and	CCONJ
cblr-9983	1563	16	the	the	DET
cblr-9983	1563	17	supervisory	supervisory	ADJ
cblr-9983	1563	18	function	function	NOUN
cblr-9983	1563	19	.	.	PUNCT
cblr-9983	1564	1	the	the	DET
cblr-9983	1564	2	mismatch	mismatch	NOUN
cblr-9983	1564	3	arises	arise	VERB
cblr-9983	1564	4	because	because	SCONJ
cblr-9983	1564	5	supervision	supervision	NOUN
cblr-9983	1564	6	is	be	AUX
cblr-9983	1564	7	grounded	ground	VERB
cblr-9983	1564	8	in	in	ADP
cblr-9983	1564	9	an	an	DET
cblr-9983	1564	10	ongoing	ongoing	ADJ
cblr-9983	1564	11	relationship	relationship	NOUN
cblr-9983	1564	12	in	in	ADP
cblr-9983	1564	13	which	which	PRON
cblr-9983	1564	14	many	many	ADJ
cblr-9983	1564	15	elements	element	NOUN
cblr-9983	1564	16	253	253	NUM
cblr-9983	1564	17	this	this	PRON
cblr-9983	1564	18	is	be	AUX
cblr-9983	1564	19	not	not	PART
cblr-9983	1564	20	to	to	PART
cblr-9983	1564	21	say	say	VERB
cblr-9983	1564	22	that	that	SCONJ
cblr-9983	1564	23	a	a	DET
cblr-9983	1564	24	desire	desire	NOUN
cblr-9983	1564	25	to	to	PART
cblr-9983	1564	26	avoid	avoid	VERB
cblr-9983	1564	27	the	the	DET
cblr-9983	1564	28	procedural	procedural	ADJ
cblr-9983	1564	29	and	and	CCONJ
cblr-9983	1564	30	substantive	substantive	ADJ
cblr-9983	1564	31	requirements	requirement	NOUN
cblr-9983	1564	32	associated	associate	VERB
cblr-9983	1564	33	with	with	ADP
cblr-9983	1564	34	legislative	legislative	ADJ
cblr-9983	1564	35	rules	rule	NOUN
cblr-9983	1564	36	has	have	AUX
cblr-9983	1564	37	never	never	ADV
cblr-9983	1564	38	played	play	VERB
cblr-9983	1564	39	a	a	DET
cblr-9983	1564	40	role	role	NOUN
cblr-9983	1564	41	in	in	ADP
cblr-9983	1564	42	agency	agency	NOUN
cblr-9983	1564	43	decisions	decision	NOUN
cblr-9983	1564	44	.	.	PUNCT
cblr-9983	1565	1	i	i	PRON
cblr-9983	1565	2	suspect	suspect	VERB
cblr-9983	1565	3	that	that	SCONJ
cblr-9983	1565	4	it	it	PRON
cblr-9983	1565	5	has	have	VERB
cblr-9983	1565	6	from	from	ADP
cblr-9983	1565	7	time	time	NOUN
cblr-9983	1565	8	to	to	ADP
cblr-9983	1565	9	time	time	NOUN
cblr-9983	1565	10	.	.	PUNCT
cblr-9983	1566	1	the	the	DET
cblr-9983	1566	2	point	point	NOUN
cblr-9983	1566	3	,	,	PUNCT
cblr-9983	1566	4	rather	rather	ADV
cblr-9983	1566	5	,	,	PUNCT
cblr-9983	1566	6	is	be	AUX
cblr-9983	1566	7	that	that	SCONJ
cblr-9983	1566	8	there	there	PRON
cblr-9983	1566	9	is	be	VERB
cblr-9983	1566	10	a	a	DET
cblr-9983	1566	11	well	well	ADV
cblr-9983	1566	12	-	-	PUNCT
cblr-9983	1566	13	grounded	ground	VERB
cblr-9983	1566	14	role	role	NOUN
cblr-9983	1566	15	for	for	ADP
cblr-9983	1566	16	guidance	guidance	NOUN
cblr-9983	1566	17	documents	document	NOUN
cblr-9983	1566	18	in	in	ADP
cblr-9983	1566	19	supporting	support	VERB
cblr-9983	1566	20	the	the	DET
cblr-9983	1566	21	supervisory	supervisory	ADJ
cblr-9983	1566	22	function	function	NOUN
cblr-9983	1566	23	,	,	PUNCT
cblr-9983	1566	24	itself	itself	PRON
cblr-9983	1566	25	demonstrably	demonstrably	ADV
cblr-9983	1566	26	distinct	distinct	ADJ
cblr-9983	1566	27	from	from	ADP
cblr-9983	1566	28	regulatory	regulatory	ADJ
cblr-9983	1566	29	rule	rule	NOUN
cblr-9983	1566	30	enforcement	enforcement	NOUN
cblr-9983	1566	31	.	.	PUNCT
cblr-9983	1567	1	368	368	NUM
cblr-9983	1567	2	columbia	columbia	PROPN
cblr-9983	1567	3	business	business	NOUN
cblr-9983	1567	4	law	law	PROPN
cblr-9983	1567	5	review	review	NOUN
cblr-9983	1567	6	[	[	X
cblr-9983	1567	7	vol	vol	NOUN
cblr-9983	1567	8	.	.	PUNCT
cblr-9983	1567	9	2022	2022	NUM
cblr-9983	1567	10	of	of	ADP
cblr-9983	1567	11	both	both	DET
cblr-9983	1567	12	bank	bank	NOUN
cblr-9983	1567	13	operation	operation	NOUN
cblr-9983	1567	14	and	and	CCONJ
cblr-9983	1567	15	agency	agency	NOUN
cblr-9983	1567	16	practice	practice	NOUN
cblr-9983	1567	17	are	be	AUX
cblr-9983	1567	18	relevant	relevant	ADJ
cblr-9983	1567	19	,	,	PUNCT
cblr-9983	1567	20	whereas	whereas	SCONJ
cblr-9983	1567	21	much	much	ADJ
cblr-9983	1567	22	administrative	administrative	ADJ
cblr-9983	1567	23	law	law	NOUN
cblr-9983	1567	24	doctrine	doctrine	NOUN
cblr-9983	1567	25	focuses	focus	VERB
cblr-9983	1567	26	on	on	ADP
cblr-9983	1567	27	discrete	discrete	ADJ
cblr-9983	1567	28	agency	agency	NOUN
cblr-9983	1567	29	actions	action	NOUN
cblr-9983	1567	30	affecting	affect	VERB
cblr-9983	1567	31	a	a	DET
cblr-9983	1567	32	regulated	regulated	ADJ
cblr-9983	1567	33	entity	entity	NOUN
cblr-9983	1567	34	.	.	PUNCT
cblr-9983	1568	1	as	as	SCONJ
cblr-9983	1568	2	we	we	PRON
cblr-9983	1568	3	have	have	AUX
cblr-9983	1568	4	seen	see	VERB
cblr-9983	1568	5	,	,	PUNCT
cblr-9983	1568	6	the	the	DET
cblr-9983	1568	7	square	square	ADJ
cblr-9983	1568	8	peg	peg	NOUN
cblr-9983	1568	9	of	of	ADP
cblr-9983	1568	10	a	a	DET
cblr-9983	1568	11	supervisory	supervisory	ADJ
cblr-9983	1568	12	practice	practice	NOUN
cblr-9983	1568	13	may	may	AUX
cblr-9983	1568	14	often	often	ADV
cblr-9983	1568	15	be	be	AUX
cblr-9983	1568	16	slim	slim	ADJ
cblr-9983	1568	17	enough	enough	ADV
cblr-9983	1568	18	to	to	PART
cblr-9983	1568	19	fit	fit	VERB
cblr-9983	1568	20	through	through	ADP
cblr-9983	1568	21	a	a	DET
cblr-9983	1568	22	round	round	ADJ
cblr-9983	1568	23	doctrinal	doctrinal	ADJ
cblr-9983	1568	24	hole	hole	NOUN
cblr-9983	1568	25	.	.	PUNCT
cblr-9983	1569	1	but	but	CCONJ
cblr-9983	1569	2	perhaps	perhaps	ADV
cblr-9983	1569	3	not	not	PART
cblr-9983	1569	4	always	always	ADV
cblr-9983	1569	5	.	.	PUNCT
cblr-9983	1570	1	and	and	CCONJ
cblr-9983	1570	2	some	some	DET
cblr-9983	1570	3	supervisory	supervisory	ADJ
cblr-9983	1570	4	practices	practice	NOUN
cblr-9983	1570	5	such	such	ADJ
cblr-9983	1570	6	as	as	ADP
cblr-9983	1570	7	ratings	rating	NOUN
cblr-9983	1570	8	decisions	decision	NOUN
cblr-9983	1570	9	may	may	AUX
cblr-9983	1570	10	readily	readily	ADV
cblr-9983	1570	11	fit	fit	VERB
cblr-9983	1570	12	through	through	ADP
cblr-9983	1570	13	even	even	ADV
cblr-9983	1570	14	where	where	SCONJ
cblr-9983	1570	15	they	they	PRON
cblr-9983	1570	16	implicate	implicate	VERB
cblr-9983	1570	17	the	the	DET
cblr-9983	1570	18	norm	norm	NOUN
cblr-9983	1570	19	of	of	ADP
cblr-9983	1570	20	consistent	consistent	ADJ
cblr-9983	1570	21	,	,	PUNCT
cblr-9983	1570	22	non	non	ADJ
cblr-9983	1570	23	-	-	ADJ
cblr-9983	1570	24	arbitrary	arbitrary	ADJ
cblr-9983	1570	25	administration	administration	NOUN
cblr-9983	1570	26	that	that	PRON
cblr-9983	1570	27	informs	inform	VERB
cblr-9983	1570	28	much	much	ADJ
cblr-9983	1570	29	of	of	ADP
cblr-9983	1570	30	the	the	DET
cblr-9983	1570	31	apa	apa	PROPN
cblr-9983	1570	32	.	.	PUNCT
cblr-9983	1571	1	there	there	PRON
cblr-9983	1571	2	may	may	AUX
cblr-9983	1571	3	be	be	AUX
cblr-9983	1571	4	a	a	DET
cblr-9983	1571	5	similar	similar	ADJ
cblr-9983	1571	6	mismatch	mismatch	NOUN
cblr-9983	1571	7	between	between	ADP
cblr-9983	1571	8	at	at	ADP
cblr-9983	1571	9	least	least	ADJ
cblr-9983	1571	10	some	some	PRON
cblr-9983	1571	11	administrative	administrative	ADJ
cblr-9983	1571	12	law	law	NOUN
cblr-9983	1571	13	doctrines	doctrine	NOUN
cblr-9983	1571	14	and	and	CCONJ
cblr-9983	1571	15	a	a	DET
cblr-9983	1571	16	broader	broad	ADJ
cblr-9983	1571	17	range	range	NOUN
cblr-9983	1571	18	of	of	ADP
cblr-9983	1571	19	regulatory	regulatory	ADJ
cblr-9983	1571	20	areas	area	NOUN
cblr-9983	1571	21	.	.	PUNCT
cblr-9983	1572	1	as	as	SCONJ
cblr-9983	1572	2	nick	nick	PROPN
cblr-9983	1572	3	parrillo	parrillo	PROPN
cblr-9983	1572	4	concludes	conclude	VERB
cblr-9983	1572	5	from	from	ADP
cblr-9983	1572	6	his	his	PRON
cblr-9983	1572	7	invaluable	invaluable	ADJ
cblr-9983	1572	8	study	study	NOUN
cblr-9983	1572	9	of	of	ADP
cblr-9983	1572	10	the	the	DET
cblr-9983	1572	11	use	use	NOUN
cblr-9983	1572	12	of	of	ADP
cblr-9983	1572	13	guidance	guidance	NOUN
cblr-9983	1572	14	across	across	ADP
cblr-9983	1572	15	different	different	ADJ
cblr-9983	1572	16	administrative	administrative	ADJ
cblr-9983	1572	17	agencies	agency	NOUN
cblr-9983	1572	18	,	,	PUNCT
cblr-9983	1572	19	key	key	ADJ
cblr-9983	1572	20	structural	structural	ADJ
cblr-9983	1572	21	features	feature	NOUN
cblr-9983	1572	22	of	of	ADP
cblr-9983	1572	23	the	the	DET
cblr-9983	1572	24	administrative	administrative	ADJ
cblr-9983	1572	25	apparatus	apparatus	NOUN
cblr-9983	1572	26	established	establish	VERB
cblr-9983	1572	27	by	by	ADP
cblr-9983	1572	28	congress	congress	PROPN
cblr-9983	1572	29	motivate	motivate	ADJ
cblr-9983	1572	30	agencies	agency	NOUN
cblr-9983	1572	31	to	to	PART
cblr-9983	1572	32	use	use	VERB
cblr-9983	1572	33	,	,	PUNCT
cblr-9983	1572	34	and	and	CCONJ
cblr-9983	1572	35	regulated	regulated	ADJ
cblr-9983	1572	36	businesses	business	NOUN
cblr-9983	1572	37	to	to	PART
cblr-9983	1572	38	follow	follow	VERB
cblr-9983	1572	39	,	,	PUNCT
cblr-9983	1572	40	guidance.254	guidance.254	ADP
cblr-9983	1572	41	these	these	DET
cblr-9983	1572	42	incentives	incentive	NOUN
cblr-9983	1572	43	exist	exist	VERB
cblr-9983	1572	44	regardless	regardless	ADV
cblr-9983	1572	45	of	of	ADP
cblr-9983	1572	46	whether	whether	SCONJ
cblr-9983	1572	47	agency	agency	NOUN
cblr-9983	1572	48	officials	official	NOUN
cblr-9983	1572	49	subjectively	subjectively	ADV
cblr-9983	1572	50	intend	intend	VERB
cblr-9983	1572	51	to	to	PART
cblr-9983	1572	52	use	use	VERB
cblr-9983	1572	53	guidance	guidance	NOUN
cblr-9983	1572	54	to	to	PART
cblr-9983	1572	55	legally	legally	ADV
cblr-9983	1572	56	bind	bind	VERB
cblr-9983	1572	57	.	.	PUNCT
cblr-9983	1573	1	parrillo	parrillo	ADJ
cblr-9983	1573	2	documents	document	NOUN
cblr-9983	1573	3	and	and	CCONJ
cblr-9983	1573	4	explains	explain	VERB
cblr-9983	1573	5	“	"	PUNCT
cblr-9983	1573	6	the	the	DET
cblr-9983	1573	7	tendency	tendency	NOUN
cblr-9983	1573	8	of	of	ADP
cblr-9983	1573	9	heavily	heavily	ADV
cblr-9983	1573	10	regulated	regulated	ADJ
cblr-9983	1573	11	businesses	business	NOUN
cblr-9983	1573	12	to	to	PART
cblr-9983	1573	13	invest	invest	VERB
cblr-9983	1573	14	in	in	ADP
cblr-9983	1573	15	positive	positive	ADJ
cblr-9983	1573	16	relationships	relationship	NOUN
cblr-9983	1573	17	to	to	ADP
cblr-9983	1573	18	their	their	PRON
cblr-9983	1573	19	regulator[.]”255	regulator[.]”255	NOUN
cblr-9983	1573	20	because	because	SCONJ
cblr-9983	1573	21	of	of	ADP
cblr-9983	1573	22	its	its	PRON
cblr-9983	1573	23	historical	historical	ADJ
cblr-9983	1573	24	and	and	CCONJ
cblr-9983	1573	25	statutory	statutory	ADJ
cblr-9983	1573	26	roots	root	NOUN
cblr-9983	1573	27	,	,	PUNCT
cblr-9983	1573	28	banking	banking	NOUN
cblr-9983	1573	29	supervision	supervision	NOUN
cblr-9983	1573	30	presents	present	VERB
cblr-9983	1573	31	perhaps	perhaps	ADV
cblr-9983	1573	32	the	the	DET
cblr-9983	1573	33	exemplary	exemplary	ADJ
cblr-9983	1573	34	case	case	NOUN
cblr-9983	1573	35	of	of	ADP
cblr-9983	1573	36	the	the	DET
cblr-9983	1573	37	doctrinal	doctrinal	ADJ
cblr-9983	1573	38	incongruity	incongruity	NOUN
cblr-9983	1573	39	caused	cause	VERB
cblr-9983	1573	40	by	by	ADP
cblr-9983	1573	41	a	a	DET
cblr-9983	1573	42	misunderstanding	misunderstanding	NOUN
cblr-9983	1573	43	of	of	ADP
cblr-9983	1573	44	how	how	SCONJ
cblr-9983	1573	45	regulatory	regulatory	ADJ
cblr-9983	1573	46	frameworks	framework	NOUN
cblr-9983	1573	47	are	be	AUX
cblr-9983	1573	48	structured	structure	VERB
cblr-9983	1573	49	.	.	PUNCT
cblr-9983	1574	1	in	in	ADP
cblr-9983	1574	2	this	this	DET
cblr-9983	1574	3	part	part	NOUN
cblr-9983	1574	4	,	,	PUNCT
cblr-9983	1574	5	i	i	PRON
cblr-9983	1574	6	consider	consider	VERB
cblr-9983	1574	7	how	how	SCONJ
cblr-9983	1574	8	this	this	DET
cblr-9983	1574	9	incongruity	incongruity	NOUN
cblr-9983	1574	10	might	might	AUX
cblr-9983	1574	11	be	be	AUX
cblr-9983	1574	12	reduced	reduce	VERB
cblr-9983	1574	13	in	in	ADP
cblr-9983	1574	14	a	a	DET
cblr-9983	1574	15	way	way	NOUN
cblr-9983	1574	16	that	that	PRON
cblr-9983	1574	17	pays	pay	VERB
cblr-9983	1574	18	due	due	ADJ
cblr-9983	1574	19	regard	regard	NOUN
cblr-9983	1574	20	to	to	ADP
cblr-9983	1574	21	both	both	DET
cblr-9983	1574	22	the	the	DET
cblr-9983	1574	23	apa	apa	PROPN
cblr-9983	1574	24	and	and	CCONJ
cblr-9983	1574	25	the	the	DET
cblr-9983	1574	26	statutory	statutory	ADJ
cblr-9983	1574	27	framework	framework	NOUN
cblr-9983	1574	28	for	for	ADP
cblr-9983	1574	29	banking	banking	NOUN
cblr-9983	1574	30	regulation	regulation	NOUN
cblr-9983	1574	31	.	.	PUNCT
cblr-9983	1575	1	a.	a.	NOUN
cblr-9983	1576	1	the	the	DET
cblr-9983	1576	2	conceptual	conceptual	ADJ
cblr-9983	1576	3	mismatch	mismatch	NOUN
cblr-9983	1576	4	revisited	revisit	VERB
cblr-9983	1576	5	some	some	DET
cblr-9983	1576	6	portion	portion	NOUN
cblr-9983	1576	7	of	of	ADP
cblr-9983	1576	8	the	the	DET
cblr-9983	1576	9	conceptual	conceptual	ADJ
cblr-9983	1576	10	mismatch	mismatch	NOUN
cblr-9983	1576	11	between	between	ADP
cblr-9983	1576	12	administrative	administrative	ADJ
cblr-9983	1576	13	law	law	NOUN
cblr-9983	1576	14	and	and	CCONJ
cblr-9983	1576	15	banking	banking	NOUN
cblr-9983	1576	16	supervision	supervision	NOUN
cblr-9983	1576	17	is	be	AUX
cblr-9983	1576	18	doubtless	doubtless	ADJ
cblr-9983	1576	19	due	due	ADJ
cblr-9983	1576	20	to	to	ADP
cblr-9983	1576	21	the	the	DET
cblr-9983	1576	22	long	long	ADJ
cblr-9983	1576	23	history	history	NOUN
cblr-9983	1576	24	of	of	ADP
cblr-9983	1576	25	the	the	DET
cblr-9983	1576	26	latter	latter	ADJ
cblr-9983	1576	27	,	,	PUNCT
cblr-9983	1576	28	which	which	PRON
cblr-9983	1576	29	at	at	ADP
cblr-9983	1576	30	the	the	DET
cblr-9983	1576	31	federal	federal	ADJ
cblr-9983	1576	32	level	level	NOUN
cblr-9983	1576	33	dates	date	VERB
cblr-9983	1576	34	to	to	ADP
cblr-9983	1576	35	the	the	DET
cblr-9983	1576	36	1863	1863	NUM
cblr-9983	1576	37	passage	passage	NOUN
cblr-9983	1576	38	of	of	ADP
cblr-9983	1576	39	the	the	DET
cblr-9983	1576	40	national	national	PROPN
cblr-9983	1576	41	bank	bank	PROPN
cblr-9983	1576	42	act	act	PROPN
cblr-9983	1576	43	,	,	PUNCT
cblr-9983	1576	44	and	and	CCONJ
cblr-9983	1576	45	at	at	ADP
cblr-9983	1576	46	the	the	DET
cblr-9983	1576	47	state	state	NOUN
cblr-9983	1576	48	level	level	NOUN
cblr-9983	1576	49	decades	decade	NOUN
cblr-9983	1576	50	before	before	ADP
cblr-9983	1576	51	that	that	PRON
cblr-9983	1576	52	.	.	PUNCT
cblr-9983	1577	1	the	the	DET
cblr-9983	1577	2	cultures	culture	NOUN
cblr-9983	1577	3	and	and	CCONJ
cblr-9983	1577	4	accumulated	accumulated	ADJ
cblr-9983	1577	5	learning	learning	NOUN
cblr-9983	1577	6	of	of	ADP
cblr-9983	1577	7	banking	banking	NOUN
cblr-9983	1577	8	agencies	agency	NOUN
cblr-9983	1577	9	did	do	AUX
cblr-9983	1577	10	not	not	PART
cblr-9983	1577	11	necessarily	necessarily	ADV
cblr-9983	1577	12	fit	fit	VERB
cblr-9983	1577	13	neatly	neatly	ADV
cblr-9983	1577	14	with	with	ADP
cblr-9983	1577	15	the	the	DET
cblr-9983	1577	16	fairly	fairly	ADV
cblr-9983	1577	17	broad	broad	ADJ
cblr-9983	1577	18	provisions	provision	NOUN
cblr-9983	1577	19	of	of	ADP
cblr-9983	1577	20	the	the	DET
cblr-9983	1577	21	apa	apa	PROPN
cblr-9983	1577	22	,	,	PUNCT
cblr-9983	1577	23	which	which	PRON
cblr-9983	1577	24	in	in	ADP
cblr-9983	1577	25	a	a	DET
cblr-9983	1577	26	sense	sense	NOUN
cblr-9983	1577	27	254	254	NUM
cblr-9983	1577	28	parrillo	parrillo	NOUN
cblr-9983	1577	29	,	,	PUNCT
cblr-9983	1577	30	supra	supra	PROPN
cblr-9983	1577	31	note	note	NOUN
cblr-9983	1577	32	225	225	NUM
cblr-9983	1577	33	,	,	PUNCT
cblr-9983	1577	34	at	at	ADP
cblr-9983	1577	35	270	270	NUM
cblr-9983	1577	36	.	.	PUNCT
cblr-9983	1578	1	255	255	NUM
cblr-9983	1579	1	i	i	PRON
cblr-9983	1579	2	d.	d.	NOUN
cblr-9983	1579	3	at	at	ADP
cblr-9983	1579	4	177	177	NUM
cblr-9983	1579	5	.	.	PUNCT
cblr-9983	1580	1	no	no	INTJ
cblr-9983	1580	2	.	.	PUNCT
cblr-9983	1581	1	1:279	1:279	NOUN
cblr-9983	1581	2	]	]	X
cblr-9983	1581	3	bank	bank	NOUN
cblr-9983	1581	4	supervision	supervision	NOUN
cblr-9983	1581	5	and	and	CCONJ
cblr-9983	1581	6	administrative	administrative	ADJ
cblr-9983	1581	7	law	law	NOUN
cblr-9983	1581	8	369	369	NUM
cblr-9983	1581	9	memorialized	memorialize	VERB
cblr-9983	1581	10	the	the	DET
cblr-9983	1581	11	resolution	resolution	NOUN
cblr-9983	1581	12	of	of	ADP
cblr-9983	1581	13	a	a	DET
cblr-9983	1581	14	series	series	NOUN
cblr-9983	1581	15	of	of	ADP
cblr-9983	1581	16	legal	legal	ADJ
cblr-9983	1581	17	and	and	CCONJ
cblr-9983	1581	18	policy	policy	NOUN
cblr-9983	1581	19	disputes	dispute	NOUN
cblr-9983	1581	20	on	on	ADP
cblr-9983	1581	21	the	the	DET
cblr-9983	1581	22	permissible	permissible	ADJ
cblr-9983	1581	23	roles	role	NOUN
cblr-9983	1581	24	of	of	ADP
cblr-9983	1581	25	administrative	administrative	ADJ
cblr-9983	1581	26	agencies	agency	NOUN
cblr-9983	1581	27	.	.	PUNCT
cblr-9983	1582	1	yet	yet	ADV
cblr-9983	1582	2	one	one	PRON
cblr-9983	1582	3	can	can	AUX
cblr-9983	1582	4	make	make	VERB
cblr-9983	1582	5	the	the	DET
cblr-9983	1582	6	case	case	NOUN
cblr-9983	1582	7	that	that	SCONJ
cblr-9983	1582	8	in	in	ADP
cblr-9983	1582	9	1946	1946	NUM
cblr-9983	1582	10	there	there	PRON
cblr-9983	1582	11	was	be	VERB
cblr-9983	1582	12	a	a	DET
cblr-9983	1582	13	workable	workable	ADJ
cblr-9983	1582	14	alignment	alignment	NOUN
cblr-9983	1582	15	of	of	ADP
cblr-9983	1582	16	that	that	DET
cblr-9983	1582	17	codified	codify	VERB
cblr-9983	1582	18	set	set	NOUN
cblr-9983	1582	19	of	of	ADP
cblr-9983	1582	20	requirements	requirement	NOUN
cblr-9983	1582	21	for	for	ADP
cblr-9983	1582	22	agency	agency	NOUN
cblr-9983	1582	23	procedures	procedure	NOUN
cblr-9983	1582	24	and	and	CCONJ
cblr-9983	1582	25	judicial	judicial	ADJ
cblr-9983	1582	26	review	review	NOUN
cblr-9983	1582	27	,	,	PUNCT
cblr-9983	1582	28	on	on	ADP
cblr-9983	1582	29	the	the	DET
cblr-9983	1582	30	one	one	NUM
cblr-9983	1582	31	hand	hand	NOUN
cblr-9983	1582	32	,	,	PUNCT
cblr-9983	1582	33	and	and	CCONJ
cblr-9983	1582	34	the	the	DET
cblr-9983	1582	35	role	role	NOUN
cblr-9983	1582	36	of	of	ADP
cblr-9983	1582	37	bank	bank	NOUN
cblr-9983	1582	38	supervision	supervision	NOUN
cblr-9983	1582	39	on	on	ADP
cblr-9983	1582	40	the	the	DET
cblr-9983	1582	41	other	other	ADJ
cblr-9983	1582	42	.	.	PUNCT
cblr-9983	1583	1	early	early	ADJ
cblr-9983	1583	2	supervision	supervision	NOUN
cblr-9983	1583	3	originated	originate	VERB
cblr-9983	1583	4	in	in	ADP
cblr-9983	1583	5	the	the	DET
cblr-9983	1583	6	right	right	NOUN
cblr-9983	1583	7	to	to	PART
cblr-9983	1583	8	examine	examine	VERB
cblr-9983	1583	9	banks	bank	NOUN
cblr-9983	1583	10	to	to	PART
cblr-9983	1583	11	determine	determine	VERB
cblr-9983	1583	12	if	if	SCONJ
cblr-9983	1583	13	bank	bank	NOUN
cblr-9983	1583	14	behavior	behavior	NOUN
cblr-9983	1583	15	warranted	warrant	VERB
cblr-9983	1583	16	certain	certain	ADJ
cblr-9983	1583	17	legal	legal	ADJ
cblr-9983	1583	18	consequences	consequence	NOUN
cblr-9983	1583	19	—	—	PUNCT
cblr-9983	1583	20	whether	whether	SCONJ
cblr-9983	1583	21	a	a	DET
cblr-9983	1583	22	bank	bank	NOUN
cblr-9983	1583	23	’s	’s	PART
cblr-9983	1583	24	federal	federal	ADJ
cblr-9983	1583	25	charter	charter	NOUN
cblr-9983	1583	26	should	should	AUX
cblr-9983	1583	27	be	be	AUX
cblr-9983	1583	28	revoked,256	revoked,256	VERB
cblr-9983	1583	29	whether	whether	SCONJ
cblr-9983	1583	30	specific	specific	ADJ
cblr-9983	1583	31	bank	bank	NOUN
cblr-9983	1583	32	officials	official	NOUN
cblr-9983	1583	33	should	should	AUX
cblr-9983	1583	34	be	be	AUX
cblr-9983	1583	35	removed	remove	VERB
cblr-9983	1583	36	from	from	ADP
cblr-9983	1583	37	the	the	DET
cblr-9983	1583	38	bank,257	bank,257	NOUN
cblr-9983	1583	39	or	or	CCONJ
cblr-9983	1583	40	,	,	PUNCT
cblr-9983	1583	41	later	later	ADV
cblr-9983	1583	42	,	,	PUNCT
cblr-9983	1583	43	whether	whether	SCONJ
cblr-9983	1583	44	federal	federal	ADJ
cblr-9983	1583	45	deposit	deposit	NOUN
cblr-9983	1583	46	insurance	insurance	NOUN
cblr-9983	1583	47	should	should	AUX
cblr-9983	1583	48	be	be	AUX
cblr-9983	1583	49	terminated.258	terminated.258	ADP
cblr-9983	1583	50	these	these	DET
cblr-9983	1583	51	consequences	consequence	NOUN
cblr-9983	1583	52	would	would	AUX
cblr-9983	1583	53	ensue	ensue	VERB
cblr-9983	1583	54	after	after	ADP
cblr-9983	1583	55	an	an	DET
cblr-9983	1583	56	adjudicatory	adjudicatory	ADJ
cblr-9983	1583	57	proceeding	proceeding	NOUN
cblr-9983	1583	58	,	,	PUNCT
cblr-9983	1583	59	either	either	CCONJ
cblr-9983	1583	60	judicial	judicial	ADJ
cblr-9983	1583	61	or	or	CCONJ
cblr-9983	1583	62	administrative	administrative	ADJ
cblr-9983	1583	63	.	.	PUNCT
cblr-9983	1584	1	thus	thus	ADV
cblr-9983	1584	2	,	,	PUNCT
cblr-9983	1584	3	the	the	DET
cblr-9983	1584	4	broad	broad	ADJ
cblr-9983	1584	5	“	"	PUNCT
cblr-9983	1584	6	visitorial	visitorial	ADJ
cblr-9983	1584	7	”	"	PUNCT
cblr-9983	1584	8	powers	power	NOUN
cblr-9983	1584	9	of	of	ADP
cblr-9983	1584	10	banking	banking	NOUN
cblr-9983	1584	11	agencies	agency	NOUN
cblr-9983	1584	12	to	to	PART
cblr-9983	1584	13	gain	gain	VERB
cblr-9983	1584	14	access	access	NOUN
cblr-9983	1584	15	to	to	ADP
cblr-9983	1584	16	bank	bank	NOUN
cblr-9983	1584	17	premises	premise	NOUN
cblr-9983	1584	18	for	for	ADP
cblr-9983	1584	19	purposes	purpose	NOUN
cblr-9983	1584	20	of	of	ADP
cblr-9983	1584	21	examining	examine	VERB
cblr-9983	1584	22	its	its	PRON
cblr-9983	1584	23	books	book	NOUN
cblr-9983	1584	24	and	and	CCONJ
cblr-9983	1584	25	records	record	NOUN
cblr-9983	1584	26	helped	help	VERB
cblr-9983	1584	27	them	they	PRON
cblr-9983	1584	28	to	to	PART
cblr-9983	1584	29	make	make	VERB
cblr-9983	1584	30	informed	informed	ADJ
cblr-9983	1584	31	decisions	decision	NOUN
cblr-9983	1584	32	on	on	ADP
cblr-9983	1584	33	initiating	initiate	VERB
cblr-9983	1584	34	one	one	NUM
cblr-9983	1584	35	of	of	ADP
cblr-9983	1584	36	these	these	DET
cblr-9983	1584	37	actions	action	NOUN
cblr-9983	1584	38	.	.	PUNCT
cblr-9983	1585	1	as	as	SCONJ
cblr-9983	1585	2	the	the	DET
cblr-9983	1585	3	supreme	supreme	PROPN
cblr-9983	1585	4	court	court	PROPN
cblr-9983	1585	5	noted	note	VERB
cblr-9983	1585	6	in	in	ADP
cblr-9983	1585	7	1963	1963	NUM
cblr-9983	1585	8	,	,	PUNCT
cblr-9983	1585	9	the	the	DET
cblr-9983	1585	10	availability	availability	NOUN
cblr-9983	1585	11	of	of	ADP
cblr-9983	1585	12	these	these	DET
cblr-9983	1585	13	sanctions	sanction	NOUN
cblr-9983	1585	14	meant	mean	VERB
cblr-9983	1585	15	that	that	SCONJ
cblr-9983	1585	16	“	"	PUNCT
cblr-9983	1585	17	recommendations	recommendation	NOUN
cblr-9983	1585	18	by	by	ADP
cblr-9983	1585	19	the	the	DET
cblr-9983	1585	20	agencies	agency	NOUN
cblr-9983	1585	21	concerning	concern	VERB
cblr-9983	1585	22	banking	banking	NOUN
cblr-9983	1585	23	practices	practice	NOUN
cblr-9983	1585	24	tend	tend	VERB
cblr-9983	1585	25	to	to	PART
cblr-9983	1585	26	be	be	AUX
cblr-9983	1585	27	followed	follow	VERB
cblr-9983	1585	28	by	by	ADP
cblr-9983	1585	29	bankers	banker	NOUN
cblr-9983	1585	30	without	without	ADP
cblr-9983	1585	31	the	the	DET
cblr-9983	1585	32	necessity	necessity	NOUN
cblr-9983	1585	33	of	of	ADP
cblr-9983	1585	34	formal	formal	ADJ
cblr-9983	1585	35	compliance	compliance	NOUN
cblr-9983	1585	36	proceedings	proceeding	NOUN
cblr-9983	1585	37	.	.	PUNCT
cblr-9983	1586	1	”259	”259	NOUN
cblr-9983	1586	2	today	today	NOUN
cblr-9983	1586	3	we	we	PRON
cblr-9983	1586	4	would	would	AUX
cblr-9983	1586	5	probably	probably	ADV
cblr-9983	1586	6	characterize	characterize	VERB
cblr-9983	1586	7	these	these	DET
cblr-9983	1586	8	“	"	PUNCT
cblr-9983	1586	9	recommendations	recommendation	NOUN
cblr-9983	1586	10	”	"	PUNCT
cblr-9983	1586	11	as	as	ADP
cblr-9983	1586	12	supervisory	supervisory	ADJ
cblr-9983	1586	13	guidance	guidance	NOUN
cblr-9983	1586	14	,	,	PUNCT
cblr-9983	1586	15	though	though	SCONJ
cblr-9983	1586	16	they	they	PRON
cblr-9983	1586	17	were	be	AUX
cblr-9983	1586	18	generally	generally	ADV
cblr-9983	1586	19	more	more	ADJ
cblr-9983	1586	20	bank	bank	NOUN
cblr-9983	1586	21	-	-	PUNCT
cblr-9983	1586	22	specific	specific	ADJ
cblr-9983	1586	23	and	and	CCONJ
cblr-9983	1586	24	unlikely	unlikely	ADJ
cblr-9983	1586	25	to	to	PART
cblr-9983	1586	26	take	take	VERB
cblr-9983	1586	27	the	the	DET
cblr-9983	1586	28	form	form	NOUN
cblr-9983	1586	29	of	of	ADP
cblr-9983	1586	30	published	publish	VERB
cblr-9983	1586	31	,	,	PUNCT
cblr-9983	1586	32	detailed	detailed	ADJ
cblr-9983	1586	33	documents	document	NOUN
cblr-9983	1586	34	.	.	PUNCT
cblr-9983	1587	1	because	because	SCONJ
cblr-9983	1587	2	the	the	DET
cblr-9983	1587	3	case	case	NOUN
cblr-9983	1587	4	involved	involve	VERB
cblr-9983	1587	5	antitrust	antitrust	ADJ
cblr-9983	1587	6	issues	issue	NOUN
cblr-9983	1587	7	,	,	PUNCT
cblr-9983	1587	8	the	the	DET
cblr-9983	1587	9	visitorial	visitorial	ADJ
cblr-9983	1587	10	and	and	CCONJ
cblr-9983	1587	11	enforcement	enforcement	NOUN
cblr-9983	1587	12	powers	power	NOUN
cblr-9983	1587	13	of	of	ADP
cblr-9983	1587	14	banking	banking	NOUN
cblr-9983	1587	15	agencies	agency	NOUN
cblr-9983	1587	16	were	be	AUX
cblr-9983	1587	17	addressed	address	VERB
cblr-9983	1587	18	only	only	ADV
cblr-9983	1587	19	in	in	ADP
cblr-9983	1587	20	passing	pass	VERB
cblr-9983	1587	21	.	.	PUNCT
cblr-9983	1588	1	but	but	CCONJ
cblr-9983	1588	2	the	the	DET
cblr-9983	1588	3	court	court	NOUN
cblr-9983	1588	4	was	be	AUX
cblr-9983	1588	5	clearly	clearly	ADV
cblr-9983	1588	6	unconcerned	unconcerned	ADJ
cblr-9983	1588	7	with	with	ADP
cblr-9983	1588	8	the	the	DET
cblr-9983	1588	9	supervisory	supervisory	ADJ
cblr-9983	1588	10	dynamic	dynamic	NOUN
cblr-9983	1588	11	.	.	PUNCT
cblr-9983	1589	1	on	on	ADP
cblr-9983	1589	2	the	the	DET
cblr-9983	1589	3	contrary	contrary	NOUN
cblr-9983	1589	4	,	,	PUNCT
cblr-9983	1589	5	it	it	PRON
cblr-9983	1589	6	praised	praise	VERB
cblr-9983	1589	7	the	the	DET
cblr-9983	1589	8	“	"	PUNCT
cblr-9983	1589	9	efficacy	efficacy	NOUN
cblr-9983	1589	10	”	"	PUNCT
cblr-9983	1589	11	of	of	ADP
cblr-9983	1589	12	this	this	DET
cblr-9983	1589	13	system.260	system.260	NOUN
cblr-9983	1589	14	256	256	NUM
cblr-9983	1589	15	act	act	NOUN
cblr-9983	1589	16	of	of	ADP
cblr-9983	1589	17	june	june	PROPN
cblr-9983	1589	18	3	3	NUM
cblr-9983	1589	19	,	,	PUNCT
cblr-9983	1589	20	1864	1864	NUM
cblr-9983	1589	21	,	,	PUNCT
cblr-9983	1589	22	ch	ch	NOUN
cblr-9983	1589	23	.	.	PROPN
cblr-9983	1589	24	106	106	NUM
cblr-9983	1589	25	,	,	PUNCT
cblr-9983	1589	26	§	§	PROPN
cblr-9983	1589	27	53	53	NUM
cblr-9983	1589	28	,	,	PUNCT
cblr-9983	1589	29	13	13	NUM
cblr-9983	1589	30	stat	stat	NOUN
cblr-9983	1589	31	.	.	PUNCT
cblr-9983	1590	1	99	99	NUM
cblr-9983	1590	2	,	,	PUNCT
cblr-9983	1590	3	116	116	NUM
cblr-9983	1590	4	.	.	PUNCT
cblr-9983	1591	1	this	this	DET
cblr-9983	1591	2	act	act	NOUN
cblr-9983	1591	3	was	be	AUX
cblr-9983	1591	4	subsequently	subsequently	ADV
cblr-9983	1591	5	designated	designate	VERB
cblr-9983	1591	6	the	the	DET
cblr-9983	1591	7	national	national	PROPN
cblr-9983	1591	8	bank	bank	PROPN
cblr-9983	1591	9	act	act	PROPN
cblr-9983	1591	10	.	.	PUNCT
cblr-9983	1592	1	act	act	PROPN
cblr-9983	1592	2	of	of	ADP
cblr-9983	1592	3	june	june	PROPN
cblr-9983	1592	4	20	20	NUM
cblr-9983	1592	5	,	,	PUNCT
cblr-9983	1592	6	1874	1874	NUM
cblr-9983	1592	7	,	,	PUNCT
cblr-9983	1592	8	ch	ch	NOUN
cblr-9983	1592	9	.	.	PROPN
cblr-9983	1592	10	343	343	NUM
cblr-9983	1592	11	,	,	PUNCT
cblr-9983	1592	12	§	§	PROPN
cblr-9983	1592	13	1	1	NUM
cblr-9983	1592	14	,	,	PUNCT
cblr-9983	1592	15	18	18	NUM
cblr-9983	1592	16	stat	stat	NOUN
cblr-9983	1592	17	.	.	PUNCT
cblr-9983	1593	1	123	123	NUM
cblr-9983	1593	2	,	,	PUNCT
cblr-9983	1593	3	123	123	NUM
cblr-9983	1593	4	(	(	PUNCT
cblr-9983	1593	5	later	later	ADV
cblr-9983	1593	6	codified	codify	VERB
cblr-9983	1593	7	at	at	ADP
cblr-9983	1593	8	12	12	NUM
cblr-9983	1593	9	u.s.c	u.s.c	NOUN
cblr-9983	1593	10	.	.	PUNCT
cblr-9983	1594	1	§	§	PROPN
cblr-9983	1594	2	38	38	NUM
cblr-9983	1594	3	)	)	PUNCT
cblr-9983	1594	4	.	.	PUNCT
cblr-9983	1595	1	257	257	NUM
cblr-9983	1595	2	banking	banking	NOUN
cblr-9983	1595	3	act	act	NOUN
cblr-9983	1595	4	of	of	ADP
cblr-9983	1595	5	1933	1933	NUM
cblr-9983	1595	6	,	,	PUNCT
cblr-9983	1595	7	pub	pub	NOUN
cblr-9983	1595	8	.	.	PUNCT
cblr-9983	1596	1	l.	l.	PROPN
cblr-9983	1596	2	no	no	INTJ
cblr-9983	1596	3	.	.	PROPN
cblr-9983	1597	1	73	73	NUM
cblr-9983	1597	2	-	-	SYM
cblr-9983	1597	3	66	66	NUM
cblr-9983	1597	4	,	,	PUNCT
cblr-9983	1597	5	§	§	PROPN
cblr-9983	1597	6	30	30	NUM
cblr-9983	1597	7	,	,	PUNCT
cblr-9983	1597	8	48	48	NUM
cblr-9983	1597	9	stat	stat	NOUN
cblr-9983	1597	10	.	.	PUNCT
cblr-9983	1598	1	162	162	NUM
cblr-9983	1598	2	,	,	PUNCT
cblr-9983	1598	3	193	193	NUM
cblr-9983	1598	4	.	.	NOUN
cblr-9983	1598	5	258	258	NUM
cblr-9983	1598	6	banking	banking	NOUN
cblr-9983	1598	7	act	act	NOUN
cblr-9983	1598	8	of	of	ADP
cblr-9983	1598	9	1935	1935	NUM
cblr-9983	1598	10	,	,	PUNCT
cblr-9983	1598	11	pub	pub	NOUN
cblr-9983	1598	12	.	.	PUNCT
cblr-9983	1599	1	l.	l.	PROPN
cblr-9983	1599	2	no	no	INTJ
cblr-9983	1599	3	.	.	PROPN
cblr-9983	1600	1	74	74	NUM
cblr-9983	1600	2	-	-	SYM
cblr-9983	1600	3	305	305	NUM
cblr-9983	1600	4	,	,	PUNCT
cblr-9983	1600	5	§	§	PROPN
cblr-9983	1600	6	101	101	NUM
cblr-9983	1600	7	,	,	PUNCT
cblr-9983	1600	8	49	49	NUM
cblr-9983	1600	9	stat	stat	NOUN
cblr-9983	1600	10	.	.	PUNCT
cblr-9983	1601	1	684	684	NUM
cblr-9983	1601	2	,	,	PUNCT
cblr-9983	1601	3	690	690	NUM
cblr-9983	1601	4	–	–	PUNCT
cblr-9983	1601	5	91	91	NUM
cblr-9983	1601	6	(	(	PUNCT
cblr-9983	1601	7	amending	amend	VERB
cblr-9983	1601	8	§	§	PROPN
cblr-9983	1601	9	12b	12b	NOUN
cblr-9983	1601	10	of	of	ADP
cblr-9983	1601	11	the	the	DET
cblr-9983	1601	12	federal	federal	PROPN
cblr-9983	1601	13	reserve	reserve	PROPN
cblr-9983	1601	14	act	act	PROPN
cblr-9983	1601	15	of	of	ADP
cblr-9983	1601	16	1913	1913	NUM
cblr-9983	1601	17	,	,	PUNCT
cblr-9983	1601	18	ch	ch	NOUN
cblr-9983	1601	19	.	.	PROPN
cblr-9983	1601	20	6	6	NUM
cblr-9983	1601	21	,	,	PUNCT
cblr-9983	1601	22	28	28	NUM
cblr-9983	1601	23	stat	stat	NOUN
cblr-9983	1601	24	.	.	PUNCT
cblr-9983	1601	25	251	251	NUM
cblr-9983	1601	26	)	)	PUNCT
cblr-9983	1601	27	.	.	PUNCT
cblr-9983	1602	1	259	259	NUM
cblr-9983	1602	2	united	united	PROPN
cblr-9983	1602	3	states	states	PROPN
cblr-9983	1602	4	v.	v.	PROPN
cblr-9983	1602	5	philadelphia	philadelphia	PROPN
cblr-9983	1602	6	nat	nat	PROPN
cblr-9983	1602	7	.	.	PUNCT
cblr-9983	1603	1	bank	bank	PROPN
cblr-9983	1603	2	,	,	PUNCT
cblr-9983	1603	3	374	374	NUM
cblr-9983	1603	4	u.s	u.s	PROPN
cblr-9983	1603	5	.	.	PROPN
cblr-9983	1603	6	321	321	NUM
cblr-9983	1603	7	,	,	PUNCT
cblr-9983	1603	8	330	330	NUM
cblr-9983	1603	9	(	(	PUNCT
cblr-9983	1603	10	1963	1963	NUM
cblr-9983	1603	11	)	)	PUNCT
cblr-9983	1603	12	.	.	PUNCT
cblr-9983	1604	1	260	260	NUM
cblr-9983	1605	1	i	i	PRON
cblr-9983	1605	2	d.	d.	PROPN
cblr-9983	1605	3	370	370	NUM
cblr-9983	1605	4	columbia	columbia	PROPN
cblr-9983	1605	5	business	business	PROPN
cblr-9983	1605	6	law	law	PROPN
cblr-9983	1605	7	review	review	NOUN
cblr-9983	1605	8	[	[	X
cblr-9983	1605	9	vol	vol	NOUN
cblr-9983	1605	10	.	.	PUNCT
cblr-9983	1605	11	2022	2022	NUM
cblr-9983	1605	12	given	give	VERB
cblr-9983	1605	13	the	the	DET
cblr-9983	1605	14	binary	binary	NOUN
cblr-9983	1605	15	and	and	CCONJ
cblr-9983	1605	16	potentially	potentially	ADV
cblr-9983	1605	17	draconian	draconian	ADJ
cblr-9983	1605	18	nature	nature	NOUN
cblr-9983	1605	19	of	of	ADP
cblr-9983	1605	20	at	at	ADV
cblr-9983	1605	21	least	least	ADV
cblr-9983	1605	22	two	two	NUM
cblr-9983	1605	23	of	of	ADP
cblr-9983	1605	24	the	the	DET
cblr-9983	1605	25	three	three	NUM
cblr-9983	1605	26	legal	legal	ADJ
cblr-9983	1605	27	consequences	consequence	NOUN
cblr-9983	1605	28	just	just	ADV
cblr-9983	1605	29	noted	note	VERB
cblr-9983	1605	30	,	,	PUNCT
cblr-9983	1605	31	both	both	CCONJ
cblr-9983	1605	32	banks	bank	NOUN
cblr-9983	1605	33	and	and	CCONJ
cblr-9983	1605	34	banking	banking	NOUN
cblr-9983	1605	35	agencies	agency	NOUN
cblr-9983	1605	36	had	have	VERB
cblr-9983	1605	37	some	some	DET
cblr-9983	1605	38	incentive	incentive	NOUN
cblr-9983	1605	39	to	to	PART
cblr-9983	1605	40	informally	informally	ADV
cblr-9983	1605	41	resolve	resolve	VERB
cblr-9983	1605	42	supervisory	supervisory	ADJ
cblr-9983	1605	43	concerns	concern	NOUN
cblr-9983	1605	44	and	and	CCONJ
cblr-9983	1605	45	thereby	thereby	ADV
cblr-9983	1605	46	avoid	avoid	VERB
cblr-9983	1605	47	forcing	force	VERB
cblr-9983	1605	48	the	the	DET
cblr-9983	1605	49	agency	agency	NOUN
cblr-9983	1605	50	to	to	ADP
cblr-9983	1605	51	either	either	CCONJ
cblr-9983	1605	52	seek	seek	VERB
cblr-9983	1605	53	the	the	DET
cblr-9983	1605	54	heavy	heavy	ADJ
cblr-9983	1605	55	sanction	sanction	NOUN
cblr-9983	1605	56	or	or	CCONJ
cblr-9983	1605	57	allow	allow	VERB
cblr-9983	1605	58	banks	bank	NOUN
cblr-9983	1605	59	to	to	PART
cblr-9983	1605	60	continue	continue	VERB
cblr-9983	1605	61	operating	operate	VERB
cblr-9983	1605	62	in	in	ADP
cblr-9983	1605	63	ways	way	NOUN
cblr-9983	1605	64	that	that	PRON
cblr-9983	1605	65	caused	cause	VERB
cblr-9983	1605	66	concern	concern	NOUN
cblr-9983	1605	67	.	.	PUNCT
cblr-9983	1606	1	one	one	NUM
cblr-9983	1606	2	imagines	imagine	VERB
cblr-9983	1606	3	,	,	PUNCT
cblr-9983	1606	4	though	though	ADV
cblr-9983	1606	5	,	,	PUNCT
cblr-9983	1606	6	that	that	SCONJ
cblr-9983	1606	7	most	most	ADJ
cblr-9983	1606	8	banks	bank	NOUN
cblr-9983	1606	9	were	be	AUX
cblr-9983	1606	10	usually	usually	ADV
cblr-9983	1606	11	confident	confident	ADJ
cblr-9983	1606	12	that	that	SCONJ
cblr-9983	1606	13	the	the	DET
cblr-9983	1606	14	banking	banking	NOUN
cblr-9983	1606	15	agency	agency	NOUN
cblr-9983	1606	16	would	would	AUX
cblr-9983	1606	17	not	not	PART
cblr-9983	1606	18	terminate	terminate	VERB
cblr-9983	1606	19	its	its	PRON
cblr-9983	1606	20	deposit	deposit	NOUN
cblr-9983	1606	21	insurance	insurance	NOUN
cblr-9983	1606	22	in	in	ADP
cblr-9983	1606	23	response	response	NOUN
cblr-9983	1606	24	to	to	ADP
cblr-9983	1606	25	anything	anything	PRON
cblr-9983	1606	26	less	less	ADJ
cblr-9983	1606	27	than	than	ADP
cblr-9983	1606	28	grave	grave	ADJ
cblr-9983	1606	29	concerns	concern	NOUN
cblr-9983	1606	30	about	about	ADP
cblr-9983	1606	31	the	the	DET
cblr-9983	1606	32	bank	bank	NOUN
cblr-9983	1606	33	’s	’s	PART
cblr-9983	1606	34	condition	condition	NOUN
cblr-9983	1606	35	.	.	PUNCT
cblr-9983	1607	1	that	that	DET
cblr-9983	1607	2	supposition	supposition	NOUN
cblr-9983	1607	3	likely	likely	ADV
cblr-9983	1607	4	explains	explain	VERB
cblr-9983	1607	5	why	why	SCONJ
cblr-9983	1607	6	the	the	DET
cblr-9983	1607	7	banking	banking	NOUN
cblr-9983	1607	8	agencies	agency	NOUN
cblr-9983	1607	9	continued	continue	VERB
cblr-9983	1607	10	to	to	PART
cblr-9983	1607	11	press	press	VERB
cblr-9983	1607	12	for	for	ADP
cblr-9983	1607	13	intermediate	intermediate	ADJ
cblr-9983	1607	14	sanctions	sanction	NOUN
cblr-9983	1607	15	.	.	PUNCT
cblr-9983	1608	1	they	they	PRON
cblr-9983	1608	2	got	get	VERB
cblr-9983	1608	3	their	their	PRON
cblr-9983	1608	4	wish	wish	NOUN
cblr-9983	1608	5	in	in	ADP
cblr-9983	1608	6	1966	1966	NUM
cblr-9983	1608	7	,	,	PUNCT
cblr-9983	1608	8	when	when	SCONJ
cblr-9983	1608	9	congress	congress	PROPN
cblr-9983	1608	10	added	add	VERB
cblr-9983	1608	11	to	to	ADP
cblr-9983	1608	12	the	the	DET
cblr-9983	1608	13	statutory	statutory	ADJ
cblr-9983	1608	14	provision	provision	NOUN
cblr-9983	1608	15	for	for	ADP
cblr-9983	1608	16	terminating	terminate	VERB
cblr-9983	1608	17	fdic	fdic	ADJ
cblr-9983	1608	18	insurance	insurance	NOUN
cblr-9983	1608	19	—	—	PUNCT
cblr-9983	1608	20	the	the	DET
cblr-9983	1608	21	now	now	ADV
cblr-9983	1608	22	familiar	familiar	ADJ
cblr-9983	1608	23	§	§	PROPN
cblr-9983	1608	24	1818(b	1818(b	NUM
cblr-9983	1608	25	)	)	PUNCT
cblr-9983	1608	26	authority	authority	NOUN
cblr-9983	1608	27	to	to	PART
cblr-9983	1608	28	act	act	VERB
cblr-9983	1608	29	against	against	ADP
cblr-9983	1608	30	a	a	DET
cblr-9983	1608	31	bank261	bank261	PROPN
cblr-9983	1608	32	—	—	PUNCT
cblr-9983	1608	33	and	and	CCONJ
cblr-9983	1608	34	,	,	PUNCT
cblr-9983	1608	35	after	after	ADP
cblr-9983	1608	36	a	a	DET
cblr-9983	1608	37	later	later	ADJ
cblr-9983	1608	38	1978	1978	NUM
cblr-9983	1608	39	amendment	amendment	NOUN
cblr-9983	1608	40	,	,	PUNCT
cblr-9983	1608	41	a	a	DET
cblr-9983	1608	42	director	director	NOUN
cblr-9983	1608	43	,	,	PUNCT
cblr-9983	1608	44	officer	officer	NOUN
cblr-9983	1608	45	,	,	PUNCT
cblr-9983	1608	46	or	or	CCONJ
cblr-9983	1608	47	employee	employee	NOUN
cblr-9983	1608	48	engaging	engage	VERB
cblr-9983	1608	49	in	in	ADP
cblr-9983	1608	50	any	any	DET
cblr-9983	1608	51	“	"	PUNCT
cblr-9983	1608	52	unsafe	unsafe	ADJ
cblr-9983	1608	53	or	or	CCONJ
cblr-9983	1608	54	unsound	unsound	ADJ
cblr-9983	1608	55	practice	practice	NOUN
cblr-9983	1608	56	.	.	PUNCT
cblr-9983	1609	1	”262	”262	NOUN
cblr-9983	1609	2	here	here	ADV
cblr-9983	1609	3	,	,	PUNCT
cblr-9983	1609	4	too	too	ADV
cblr-9983	1609	5	,	,	PUNCT
cblr-9983	1609	6	the	the	DET
cblr-9983	1609	7	recourse	recourse	NOUN
cblr-9983	1609	8	formally	formally	ADV
cblr-9983	1609	9	provided	provide	VERB
cblr-9983	1609	10	to	to	ADP
cblr-9983	1609	11	supervisors	supervisor	NOUN
cblr-9983	1609	12	was	be	AUX
cblr-9983	1609	13	adjudicatory.263	adjudicatory.263	PROPN
cblr-9983	1609	14	section	section	NOUN
cblr-9983	1609	15	1818	1818	NUM
cblr-9983	1609	16	has	have	AUX
cblr-9983	1609	17	since	since	ADV
cblr-9983	1609	18	been	be	AUX
cblr-9983	1609	19	amended	amend	VERB
cblr-9983	1609	20	to	to	PART
cblr-9983	1609	21	provide	provide	VERB
cblr-9983	1609	22	the	the	DET
cblr-9983	1609	23	agencies	agency	NOUN
cblr-9983	1609	24	with	with	ADP
cblr-9983	1609	25	additional	additional	ADJ
cblr-9983	1609	26	enforcement	enforcement	NOUN
cblr-9983	1609	27	powers	power	NOUN
cblr-9983	1609	28	.	.	PUNCT
cblr-9983	1610	1	the	the	DET
cblr-9983	1610	2	hearings	hearing	NOUN
cblr-9983	1610	3	conducted	conduct	VERB
cblr-9983	1610	4	under	under	ADP
cblr-9983	1610	5	almost	almost	ADV
cblr-9983	1610	6	all	all	PRON
cblr-9983	1610	7	of	of	ADP
cblr-9983	1610	8	those	those	DET
cblr-9983	1610	9	provisions	provision	NOUN
cblr-9983	1610	10	are	be	AUX
cblr-9983	1610	11	to	to	PART
cblr-9983	1610	12	be	be	AUX
cblr-9983	1610	13	formal	formal	ADJ
cblr-9983	1610	14	adjudications.264	adjudications.264	NOUN
cblr-9983	1610	15	pre	pre	ADJ
cblr-9983	1610	16	-	-	ADJ
cblr-9983	1610	17	existing	existing	ADJ
cblr-9983	1610	18	authorities	authority	NOUN
cblr-9983	1610	19	such	such	ADJ
cblr-9983	1610	20	as	as	ADP
cblr-9983	1610	21	the	the	DET
cblr-9983	1610	22	occ	occ	NOUN
cblr-9983	1610	23	’s	’s	PART
cblr-9983	1610	24	non	non	ADJ
cblr-9983	1610	25	-	-	ADJ
cblr-9983	1610	26	judicial	judicial	ADJ
cblr-9983	1610	27	remedies	remedy	NOUN
cblr-9983	1610	28	for	for	ADP
cblr-9983	1610	29	a	a	DET
cblr-9983	1610	30	national	national	PROPN
cblr-9983	1610	31	bank	bank	PROPN
cblr-9983	1610	32	’s	’s	PART
cblr-9983	1610	33	violation	violation	NOUN
cblr-9983	1610	34	of	of	ADP
cblr-9983	1610	35	its	its	PRON
cblr-9983	1610	36	261	261	NUM
cblr-9983	1610	37	federal	federal	ADJ
cblr-9983	1610	38	institutions	institution	NOUN
cblr-9983	1610	39	supervisory	supervisory	ADJ
cblr-9983	1610	40	act	act	NOUN
cblr-9983	1610	41	of	of	ADP
cblr-9983	1610	42	1966	1966	NUM
cblr-9983	1610	43	,	,	PUNCT
cblr-9983	1610	44	pub	pub	NOUN
cblr-9983	1610	45	.	.	PUNCT
cblr-9983	1611	1	l.	l.	PROPN
cblr-9983	1611	2	no	no	INTJ
cblr-9983	1611	3	.	.	PROPN
cblr-9983	1611	4	89	89	NUM
cblr-9983	1611	5	-	-	SYM
cblr-9983	1611	6	695	695	NUM
cblr-9983	1611	7	,	,	PUNCT
cblr-9983	1611	8	§	§	PROPN
cblr-9983	1611	9	101	101	NUM
cblr-9983	1611	10	,	,	PUNCT
cblr-9983	1611	11	80	80	NUM
cblr-9983	1611	12	stat	stat	NOUN
cblr-9983	1611	13	.	.	PUNCT
cblr-9983	1612	1	1028	1028	NUM
cblr-9983	1612	2	,	,	PUNCT
cblr-9983	1612	3	1046–47	1046–47	NUM
cblr-9983	1612	4	(	(	PUNCT
cblr-9983	1612	5	codified	codify	VERB
cblr-9983	1612	6	as	as	SCONJ
cblr-9983	1612	7	amended	amend	VERB
cblr-9983	1612	8	at	at	ADP
cblr-9983	1612	9	12	12	NUM
cblr-9983	1612	10	u.s.c	u.s.c	ADJ
cblr-9983	1612	11	§	§	PROPN
cblr-9983	1612	12	1818(b)(1	1818(b)(1	NUM
cblr-9983	1612	13	)	)	PUNCT
cblr-9983	1612	14	)	)	PUNCT
cblr-9983	1613	1	(	(	PUNCT
cblr-9983	1613	2	amending	amend	VERB
cblr-9983	1613	3	§	§	PROPN
cblr-9983	1613	4	8	8	NUM
cblr-9983	1613	5	of	of	ADP
cblr-9983	1613	6	the	the	DET
cblr-9983	1613	7	federal	federal	ADJ
cblr-9983	1613	8	deposit	deposit	NOUN
cblr-9983	1613	9	insurance	insurance	PROPN
cblr-9983	1613	10	act	act	NOUN
cblr-9983	1613	11	of	of	ADP
cblr-9983	1613	12	1950	1950	NUM
cblr-9983	1613	13	,	,	PUNCT
cblr-9983	1613	14	pub	pub	NOUN
cblr-9983	1613	15	.	.	PUNCT
cblr-9983	1614	1	l.	l.	PROPN
cblr-9983	1614	2	81	81	NUM
cblr-9983	1614	3	-	-	SYM
cblr-9983	1614	4	797	797	NUM
cblr-9983	1614	5	,	,	PUNCT
cblr-9983	1614	6	64	64	NUM
cblr-9983	1614	7	stat	stat	NOUN
cblr-9983	1614	8	.	.	PUNCT
cblr-9983	1615	1	873	873	NUM
cblr-9983	1615	2	,	,	PUNCT
cblr-9983	1615	3	879	879	NUM
cblr-9983	1615	4	)	)	PUNCT
cblr-9983	1615	5	.	.	PUNCT
cblr-9983	1616	1	262	262	NUM
cblr-9983	1616	2	financial	financial	ADJ
cblr-9983	1616	3	institutions	institution	NOUN
cblr-9983	1616	4	regulatory	regulatory	ADJ
cblr-9983	1616	5	and	and	CCONJ
cblr-9983	1616	6	interest	interest	NOUN
cblr-9983	1616	7	rate	rate	NOUN
cblr-9983	1616	8	control	control	PROPN
cblr-9983	1616	9	act	act	PROPN
cblr-9983	1616	10	of	of	ADP
cblr-9983	1616	11	1978	1978	NUM
cblr-9983	1616	12	,	,	PUNCT
cblr-9983	1616	13	pub	pub	NOUN
cblr-9983	1616	14	.	.	PUNCT
cblr-9983	1617	1	l.	l.	PROPN
cblr-9983	1618	1	no	no	INTJ
cblr-9983	1618	2	.	.	PROPN
cblr-9983	1619	1	95	95	NUM
cblr-9983	1619	2	-	-	SYM
cblr-9983	1619	3	630	630	NUM
cblr-9983	1619	4	,	,	PUNCT
cblr-9983	1619	5	§	§	PROPN
cblr-9983	1619	6	107(a)(1	107(a)(1	NUM
cblr-9983	1619	7	)	)	PUNCT
cblr-9983	1619	8	,	,	PUNCT
cblr-9983	1619	9	92	92	NUM
cblr-9983	1619	10	stat	stat	NOUN
cblr-9983	1619	11	.	.	PUNCT
cblr-9983	1620	1	3641	3641	NUM
cblr-9983	1620	2	,	,	PUNCT
cblr-9983	1620	3	3649	3649	NUM
cblr-9983	1620	4	(	(	PUNCT
cblr-9983	1620	5	codified	codify	VERB
cblr-9983	1620	6	as	as	SCONJ
cblr-9983	1620	7	amended	amend	VERB
cblr-9983	1620	8	at	at	ADP
cblr-9983	1620	9	12	12	NUM
cblr-9983	1620	10	u.s.c	u.s.c	ADJ
cblr-9983	1620	11	§	§	PROPN
cblr-9983	1620	12	1818(b)(1	1818(b)(1	NUM
cblr-9983	1620	13	)	)	PUNCT
cblr-9983	1620	14	)	)	PUNCT
cblr-9983	1621	1	(	(	PUNCT
cblr-9983	1621	2	amending	amend	VERB
cblr-9983	1621	3	§	§	PROPN
cblr-9983	1621	4	8	8	NUM
cblr-9983	1621	5	of	of	ADP
cblr-9983	1621	6	the	the	DET
cblr-9983	1621	7	federal	federal	ADJ
cblr-9983	1621	8	deposit	deposit	NOUN
cblr-9983	1621	9	insurance	insurance	PROPN
cblr-9983	1621	10	act	act	NOUN
cblr-9983	1621	11	of	of	ADP
cblr-9983	1621	12	1950	1950	NUM
cblr-9983	1621	13	,	,	PUNCT
cblr-9983	1621	14	pub	pub	NOUN
cblr-9983	1621	15	.	.	PUNCT
cblr-9983	1622	1	l.	l.	PROPN
cblr-9983	1622	2	81	81	NUM
cblr-9983	1622	3	-	-	SYM
cblr-9983	1622	4	797	797	NUM
cblr-9983	1622	5	,	,	PUNCT
cblr-9983	1622	6	64	64	NUM
cblr-9983	1622	7	stat	stat	NOUN
cblr-9983	1622	8	.	.	PUNCT
cblr-9983	1623	1	873	873	NUM
cblr-9983	1623	2	,	,	PUNCT
cblr-9983	1623	3	879	879	NUM
cblr-9983	1623	4	)	)	PUNCT
cblr-9983	1623	5	.	.	PUNCT
cblr-9983	1624	1	263	263	NUM
cblr-9983	1624	2	in	in	ADP
cblr-9983	1624	3	a	a	DET
cblr-9983	1624	4	series	series	NOUN
cblr-9983	1624	5	of	of	ADP
cblr-9983	1624	6	amendments	amendment	NOUN
cblr-9983	1624	7	over	over	ADP
cblr-9983	1624	8	the	the	DET
cblr-9983	1624	9	years	year	NOUN
cblr-9983	1624	10	,	,	PUNCT
cblr-9983	1624	11	congress	congress	PROPN
cblr-9983	1624	12	has	have	AUX
cblr-9983	1624	13	added	add	VERB
cblr-9983	1624	14	additional	additional	ADJ
cblr-9983	1624	15	enforcement	enforcement	NOUN
cblr-9983	1624	16	options	option	NOUN
cblr-9983	1624	17	for	for	ADP
cblr-9983	1624	18	the	the	DET
cblr-9983	1624	19	bank	bank	NOUN
cblr-9983	1624	20	regulatory	regulatory	ADJ
cblr-9983	1624	21	agencies	agency	NOUN
cblr-9983	1624	22	.	.	PUNCT
cblr-9983	1625	1	most	most	ADV
cblr-9983	1625	2	important	important	ADJ
cblr-9983	1625	3	are	be	AUX
cblr-9983	1625	4	the	the	DET
cblr-9983	1625	5	authority	authority	NOUN
cblr-9983	1625	6	to	to	PART
cblr-9983	1625	7	remove	remove	VERB
cblr-9983	1625	8	or	or	CCONJ
cblr-9983	1625	9	prohibit	prohibit	VERB
cblr-9983	1625	10	unsafe	unsafe	ADJ
cblr-9983	1625	11	or	or	CCONJ
cblr-9983	1625	12	illegal	illegal	ADJ
cblr-9983	1625	13	practices	practice	NOUN
cblr-9983	1625	14	by	by	ADP
cblr-9983	1625	15	a	a	DET
cblr-9983	1625	16	range	range	NOUN
cblr-9983	1625	17	of	of	ADP
cblr-9983	1625	18	“	"	PUNCT
cblr-9983	1625	19	institution	institution	NOUN
cblr-9983	1625	20	-	-	PUNCT
cblr-9983	1625	21	affiliated	affiliate	VERB
cblr-9983	1625	22	parties	party	NOUN
cblr-9983	1625	23	,	,	PUNCT
cblr-9983	1625	24	”	"	PUNCT
cblr-9983	1625	25	12	12	NUM
cblr-9983	1625	26	u.s.c	u.s.c	NOUN
cblr-9983	1625	27	.	.	PUNCT
cblr-9983	1626	1	§	§	PROPN
cblr-9983	1626	2	1818(e	1818(e	NUM
cblr-9983	1626	3	)	)	PUNCT
cblr-9983	1626	4	(	(	PUNCT
cblr-9983	1626	5	2018	2018	NUM
cblr-9983	1626	6	)	)	PUNCT
cblr-9983	1626	7	,	,	PUNCT
cblr-9983	1626	8	and	and	CCONJ
cblr-9983	1626	9	the	the	DET
cblr-9983	1626	10	imposition	imposition	NOUN
cblr-9983	1626	11	of	of	ADP
cblr-9983	1626	12	civil	civil	ADJ
cblr-9983	1626	13	money	money	NOUN
cblr-9983	1626	14	penalties	penalty	NOUN
cblr-9983	1626	15	against	against	ADP
cblr-9983	1626	16	banks	bank	NOUN
cblr-9983	1626	17	and	and	CCONJ
cblr-9983	1626	18	institutionaffiliated	institutionaffiliate	VERB
cblr-9983	1626	19	parties	party	NOUN
cblr-9983	1626	20	,	,	PUNCT
cblr-9983	1626	21	12	12	NUM
cblr-9983	1626	22	u.s.c	u.s.c	ADJ
cblr-9983	1626	23	.	.	PUNCT
cblr-9983	1627	1	§	§	PROPN
cblr-9983	1627	2	1818(i	1818(i	NOUN
cblr-9983	1627	3	)	)	PUNCT
cblr-9983	1627	4	.	.	PUNCT
cblr-9983	1628	1	the	the	DET
cblr-9983	1628	2	procedural	procedural	ADJ
cblr-9983	1628	3	and	and	CCONJ
cblr-9983	1628	4	substantive	substantive	ADJ
cblr-9983	1628	5	requirements	requirement	NOUN
cblr-9983	1628	6	for	for	ADP
cblr-9983	1628	7	these	these	DET
cblr-9983	1628	8	various	various	ADJ
cblr-9983	1628	9	enforcement	enforcement	NOUN
cblr-9983	1628	10	provisions	provision	NOUN
cblr-9983	1628	11	vary	vary	VERB
cblr-9983	1628	12	both	both	CCONJ
cblr-9983	1628	13	with	with	ADP
cblr-9983	1628	14	the	the	DET
cblr-9983	1628	15	type	type	NOUN
cblr-9983	1628	16	of	of	ADP
cblr-9983	1628	17	proceeding	proceeding	NOUN
cblr-9983	1628	18	and	and	CCONJ
cblr-9983	1628	19	with	with	ADP
cblr-9983	1628	20	the	the	DET
cblr-9983	1628	21	severity	severity	NOUN
cblr-9983	1628	22	of	of	ADP
cblr-9983	1628	23	the	the	DET
cblr-9983	1628	24	penalty	penalty	NOUN
cblr-9983	1628	25	sought	seek	VERB
cblr-9983	1628	26	by	by	ADP
cblr-9983	1628	27	the	the	DET
cblr-9983	1628	28	agency	agency	NOUN
cblr-9983	1628	29	.	.	PUNCT
cblr-9983	1629	1	264	264	NUM
cblr-9983	1630	1	i	i	PRON
cblr-9983	1630	2	d.	d.	PROPN
cblr-9983	1630	3	§	§	PROPN
cblr-9983	1630	4	1818(h)(1	1818(h)(1	NUM
cblr-9983	1630	5	)	)	PUNCT
cblr-9983	1630	6	.	.	PUNCT
cblr-9983	1631	1	the	the	DET
cblr-9983	1631	2	standard	standard	NOUN
cblr-9983	1631	3	for	for	ADP
cblr-9983	1631	4	judicial	judicial	ADJ
cblr-9983	1631	5	review	review	NOUN
cblr-9983	1631	6	of	of	ADP
cblr-9983	1631	7	any	any	DET
cblr-9983	1631	8	enforcement	enforcement	NOUN
cblr-9983	1631	9	actions	action	NOUN
cblr-9983	1631	10	is	be	AUX
cblr-9983	1631	11	likewise	likewise	ADV
cblr-9983	1631	12	that	that	SCONJ
cblr-9983	1631	13	provided	provide	VERB
cblr-9983	1631	14	in	in	ADP
cblr-9983	1631	15	the	the	DET
cblr-9983	1631	16	apa	apa	PROPN
cblr-9983	1631	17	.	.	PUNCT
cblr-9983	1632	1	i	i	PRON
cblr-9983	1632	2	d.	d.	PROPN
cblr-9983	1632	3	§	§	PROPN
cblr-9983	1632	4	1818(h)(2	1818(h)(2	NUM
cblr-9983	1632	5	)	)	PUNCT
cblr-9983	1632	6	.	.	PUNCT
cblr-9983	1633	1	no	no	INTJ
cblr-9983	1633	2	.	.	PUNCT
cblr-9983	1634	1	1:279	1:279	NOUN
cblr-9983	1634	2	]	]	X
cblr-9983	1634	3	bank	bank	NOUN
cblr-9983	1634	4	supervision	supervision	NOUN
cblr-9983	1634	5	and	and	CCONJ
cblr-9983	1634	6	administrative	administrative	ADJ
cblr-9983	1634	7	law	law	NOUN
cblr-9983	1634	8	371	371	NUM
cblr-9983	1634	9	charter	charter	NOUN
cblr-9983	1634	10	obligations	obligation	NOUN
cblr-9983	1634	11	similarly	similarly	ADV
cblr-9983	1634	12	incorporated	incorporate	VERB
cblr-9983	1634	13	apa	apa	PROPN
cblr-9983	1634	14	hearing	hearing	NOUN
cblr-9983	1634	15	and	and	CCONJ
cblr-9983	1634	16	judicial	judicial	ADJ
cblr-9983	1634	17	review	review	NOUN
cblr-9983	1634	18	standards.265	standards.265	VERB
cblr-9983	1634	19	with	with	ADP
cblr-9983	1634	20	respect	respect	NOUN
cblr-9983	1634	21	to	to	ADP
cblr-9983	1634	22	these	these	DET
cblr-9983	1634	23	formal	formal	ADJ
cblr-9983	1634	24	statutory	statutory	ADJ
cblr-9983	1634	25	penalties	penalty	NOUN
cblr-9983	1634	26	,	,	PUNCT
cblr-9983	1634	27	then	then	ADV
cblr-9983	1634	28	,	,	PUNCT
cblr-9983	1634	29	the	the	DET
cblr-9983	1634	30	relationship	relationship	NOUN
cblr-9983	1634	31	between	between	ADP
cblr-9983	1634	32	banking	banking	NOUN
cblr-9983	1634	33	law	law	NOUN
cblr-9983	1634	34	and	and	CCONJ
cblr-9983	1634	35	generally	generally	ADV
cblr-9983	1634	36	applicable	applicable	ADJ
cblr-9983	1634	37	administrative	administrative	ADJ
cblr-9983	1634	38	law	law	NOUN
cblr-9983	1634	39	continues	continue	VERB
cblr-9983	1634	40	to	to	PART
cblr-9983	1634	41	be	be	AUX
cblr-9983	1634	42	both	both	ADV
cblr-9983	1634	43	clear	clear	ADJ
cblr-9983	1634	44	and	and	CCONJ
cblr-9983	1634	45	sensible	sensible	ADJ
cblr-9983	1634	46	:	:	PUNCT
cblr-9983	1634	47	the	the	DET
cblr-9983	1634	48	apa	apa	PROPN
cblr-9983	1634	49	procedures	procedure	NOUN
cblr-9983	1634	50	govern	govern	VERB
cblr-9983	1634	51	,	,	PUNCT
cblr-9983	1634	52	with	with	ADP
cblr-9983	1634	53	whatever	whatever	DET
cblr-9983	1634	54	glosses	gloss	NOUN
cblr-9983	1634	55	the	the	DET
cblr-9983	1634	56	courts	court	NOUN
cblr-9983	1634	57	may	may	AUX
cblr-9983	1634	58	place	place	VERB
cblr-9983	1634	59	on	on	ADP
cblr-9983	1634	60	the	the	DET
cblr-9983	1634	61	statutory	statutory	ADJ
cblr-9983	1634	62	language	language	NOUN
cblr-9983	1634	63	.	.	PUNCT
cblr-9983	1635	1	through	through	ADP
cblr-9983	1635	2	examinations	examination	NOUN
cblr-9983	1635	3	,	,	PUNCT
cblr-9983	1635	4	and	and	CCONJ
cblr-9983	1635	5	visitorial	visitorial	ADJ
cblr-9983	1635	6	authority	authority	NOUN
cblr-9983	1635	7	more	more	ADV
cblr-9983	1635	8	generally	generally	ADV
cblr-9983	1635	9	,	,	PUNCT
cblr-9983	1635	10	supervisors	supervisor	NOUN
cblr-9983	1635	11	can	can	AUX
cblr-9983	1635	12	make	make	VERB
cblr-9983	1635	13	timely	timely	ADJ
cblr-9983	1635	14	decisions	decision	NOUN
cblr-9983	1635	15	on	on	ADP
cblr-9983	1635	16	enforcement	enforcement	NOUN
cblr-9983	1635	17	.	.	PUNCT
cblr-9983	1636	1	because	because	SCONJ
cblr-9983	1636	2	statutory	statutory	ADJ
cblr-9983	1636	3	standards	standard	NOUN
cblr-9983	1636	4	such	such	ADJ
cblr-9983	1636	5	as	as	ADP
cblr-9983	1636	6	those	those	PRON
cblr-9983	1636	7	for	for	ADP
cblr-9983	1636	8	termination	termination	NOUN
cblr-9983	1636	9	of	of	ADP
cblr-9983	1636	10	deposit	deposit	NOUN
cblr-9983	1636	11	insurance	insurance	NOUN
cblr-9983	1636	12	and	and	CCONJ
cblr-9983	1636	13	“	"	PUNCT
cblr-9983	1636	14	unsafe	unsafe	ADJ
cblr-9983	1636	15	or	or	CCONJ
cblr-9983	1636	16	unsound	unsound	ADJ
cblr-9983	1636	17	”	"	PUNCT
cblr-9983	1636	18	practices	practice	NOUN
cblr-9983	1636	19	leave	leave	VERB
cblr-9983	1636	20	considerable	considerable	ADJ
cblr-9983	1636	21	room	room	NOUN
cblr-9983	1636	22	for	for	ADP
cblr-9983	1636	23	agency	agency	NOUN
cblr-9983	1636	24	interpretation	interpretation	NOUN
cblr-9983	1636	25	and	and	CCONJ
cblr-9983	1636	26	discretion	discretion	NOUN
cblr-9983	1636	27	,	,	PUNCT
cblr-9983	1636	28	banks	bank	NOUN
cblr-9983	1636	29	may	may	AUX
cblr-9983	1636	30	be	be	AUX
cblr-9983	1636	31	incentivized	incentivize	VERB
cblr-9983	1636	32	to	to	PART
cblr-9983	1636	33	follow	follow	VERB
cblr-9983	1636	34	supervisory	supervisory	ADJ
cblr-9983	1636	35	“	"	PUNCT
cblr-9983	1636	36	recommendations	recommendation	NOUN
cblr-9983	1636	37	”	"	PUNCT
cblr-9983	1636	38	to	to	PART
cblr-9983	1636	39	forestall	forestall	VERB
cblr-9983	1636	40	agency	agency	NOUN
cblr-9983	1636	41	recourse	recourse	NOUN
cblr-9983	1636	42	to	to	ADP
cblr-9983	1636	43	formal	formal	ADJ
cblr-9983	1636	44	proceedings	proceeding	NOUN
cblr-9983	1636	45	directed	direct	VERB
cblr-9983	1636	46	at	at	ADP
cblr-9983	1636	47	the	the	DET
cblr-9983	1636	48	bank	bank	NOUN
cblr-9983	1636	49	practices	practice	NOUN
cblr-9983	1636	50	at	at	ADP
cblr-9983	1636	51	issue	issue	NOUN
cblr-9983	1636	52	.	.	PUNCT
cblr-9983	1637	1	of	of	ADP
cblr-9983	1637	2	course	course	ADV
cblr-9983	1637	3	,	,	PUNCT
cblr-9983	1637	4	this	this	PRON
cblr-9983	1637	5	is	be	AUX
cblr-9983	1637	6	far	far	ADV
cblr-9983	1637	7	from	from	ADP
cblr-9983	1637	8	the	the	DET
cblr-9983	1637	9	whole	whole	ADJ
cblr-9983	1637	10	story	story	NOUN
cblr-9983	1637	11	.	.	PUNCT
cblr-9983	1638	1	however	however	ADV
cblr-9983	1638	2	closely	closely	ADV
cblr-9983	1638	3	the	the	DET
cblr-9983	1638	4	preceding	precede	VERB
cblr-9983	1638	5	,	,	PUNCT
cblr-9983	1638	6	stylized	stylize	VERB
cblr-9983	1638	7	account	account	NOUN
cblr-9983	1638	8	may	may	AUX
cblr-9983	1638	9	approach	approach	VERB
cblr-9983	1638	10	the	the	DET
cblr-9983	1638	11	reality	reality	NOUN
cblr-9983	1638	12	of	of	ADP
cblr-9983	1638	13	the	the	DET
cblr-9983	1638	14	supervisory	supervisory	ADJ
cblr-9983	1638	15	function	function	NOUN
cblr-9983	1638	16	sixty	sixty	NUM
cblr-9983	1638	17	years	year	NOUN
cblr-9983	1638	18	ago	ago	ADV
cblr-9983	1638	19	,	,	PUNCT
cblr-9983	1638	20	two	two	NUM
cblr-9983	1638	21	legal	legal	ADJ
cblr-9983	1638	22	trends	trend	NOUN
cblr-9983	1638	23	since	since	SCONJ
cblr-9983	1638	24	then	then	ADV
cblr-9983	1638	25	have	have	VERB
cblr-9983	1638	26	complicated	complicate	VERB
cblr-9983	1638	27	matters	matter	NOUN
cblr-9983	1638	28	considerably	considerably	ADV
cblr-9983	1638	29	.	.	PUNCT
cblr-9983	1639	1	first	first	ADV
cblr-9983	1639	2	has	have	AUX
cblr-9983	1639	3	been	be	AUX
cblr-9983	1639	4	the	the	DET
cblr-9983	1639	5	steadily	steadily	ADV
cblr-9983	1639	6	increasing	increase	VERB
cblr-9983	1639	7	role	role	NOUN
cblr-9983	1639	8	of	of	ADP
cblr-9983	1639	9	regulatory	regulatory	ADJ
cblr-9983	1639	10	rules	rule	NOUN
cblr-9983	1639	11	in	in	ADP
cblr-9983	1639	12	prudential	prudential	ADJ
cblr-9983	1639	13	regulation	regulation	NOUN
cblr-9983	1639	14	.	.	PUNCT
cblr-9983	1640	1	as	as	SCONJ
cblr-9983	1640	2	is	be	AUX
cblr-9983	1640	3	regularly	regularly	ADV
cblr-9983	1640	4	noted	note	VERB
cblr-9983	1640	5	in	in	ADP
cblr-9983	1640	6	administrative	administrative	ADJ
cblr-9983	1640	7	law	law	NOUN
cblr-9983	1640	8	discussions	discussion	NOUN
cblr-9983	1640	9	,	,	PUNCT
cblr-9983	1640	10	the	the	DET
cblr-9983	1640	11	ascendancy	ascendancy	NOUN
cblr-9983	1640	12	of	of	ADP
cblr-9983	1640	13	notice	notice	NOUN
cblr-9983	1640	14	-	-	PUNCT
cblr-9983	1640	15	and	and	CCONJ
cblr-9983	1640	16	-	-	PUNCT
cblr-9983	1640	17	comment	comment	NOUN
cblr-9983	1640	18	rules	rule	NOUN
cblr-9983	1640	19	in	in	ADP
cblr-9983	1640	20	agency	agency	NOUN
cblr-9983	1640	21	regulation	regulation	NOUN
cblr-9983	1640	22	was	be	AUX
cblr-9983	1640	23	not	not	PART
cblr-9983	1640	24	contemplated	contemplate	VERB
cblr-9983	1640	25	at	at	ADP
cblr-9983	1640	26	the	the	DET
cblr-9983	1640	27	time	time	NOUN
cblr-9983	1640	28	the	the	DET
cblr-9983	1640	29	apa	apa	PROPN
cblr-9983	1640	30	was	be	AUX
cblr-9983	1640	31	debated	debate	VERB
cblr-9983	1640	32	and	and	CCONJ
cblr-9983	1640	33	enacted	enact	VERB
cblr-9983	1640	34	.	.	PUNCT
cblr-9983	1641	1	this	this	DET
cblr-9983	1641	2	circumstance	circumstance	NOUN
cblr-9983	1641	3	is	be	AUX
cblr-9983	1641	4	doubtless	doubtless	ADV
cblr-9983	1641	5	responsible	responsible	ADJ
cblr-9983	1641	6	in	in	ADP
cblr-9983	1641	7	part	part	NOUN
cblr-9983	1641	8	for	for	ADP
cblr-9983	1641	9	the	the	DET
cblr-9983	1641	10	confusion	confusion	NOUN
cblr-9983	1641	11	attending	attend	VERB
cblr-9983	1641	12	so	so	ADV
cblr-9983	1641	13	many	many	ADJ
cblr-9983	1641	14	issues	issue	NOUN
cblr-9983	1641	15	in	in	ADP
cblr-9983	1641	16	the	the	DET
cblr-9983	1641	17	interpretation	interpretation	NOUN
cblr-9983	1641	18	of	of	ADP
cblr-9983	1641	19	§	§	PROPN
cblr-9983	1641	20	553	553	NUM
cblr-9983	1641	21	,	,	PUNCT
cblr-9983	1641	22	including	include	VERB
cblr-9983	1641	23	the	the	DET
cblr-9983	1641	24	practically	practically	ADV
cblr-9983	1641	25	binding	binding	ADJ
cblr-9983	1641	26	doctrine	doctrine	NOUN
cblr-9983	1641	27	.	.	PUNCT
cblr-9983	1642	1	the	the	DET
cblr-9983	1642	2	proliferation	proliferation	NOUN
cblr-9983	1642	3	of	of	ADP
cblr-9983	1642	4	prudentially	prudentially	ADV
cblr-9983	1642	5	-	-	PUNCT
cblr-9983	1642	6	motivated	motivated	ADJ
cblr-9983	1642	7	rules	rule	NOUN
cblr-9983	1642	8	has	have	AUX
cblr-9983	1642	9	also	also	ADV
cblr-9983	1642	10	affected	affect	VERB
cblr-9983	1642	11	the	the	DET
cblr-9983	1642	12	supervisory	supervisory	ADJ
cblr-9983	1642	13	function	function	NOUN
cblr-9983	1642	14	by	by	ADP
cblr-9983	1642	15	substantially	substantially	ADV
cblr-9983	1642	16	expanding	expand	VERB
cblr-9983	1642	17	its	its	PRON
cblr-9983	1642	18	role	role	NOUN
cblr-9983	1642	19	of	of	ADP
cblr-9983	1642	20	filling	fill	VERB
cblr-9983	1642	21	in	in	ADP
cblr-9983	1642	22	lacunae	lacunae	NOUN
cblr-9983	1642	23	in	in	ADP
cblr-9983	1642	24	regulatory	regulatory	ADJ
cblr-9983	1642	25	rules	rule	NOUN
cblr-9983	1642	26	.	.	PUNCT
cblr-9983	1643	1	the	the	DET
cblr-9983	1643	2	opaqueness	opaqueness	NOUN
cblr-9983	1643	3	,	,	PUNCT
cblr-9983	1643	4	heterogeneity	heterogeneity	NOUN
cblr-9983	1643	5	,	,	PUNCT
cblr-9983	1643	6	and	and	CCONJ
cblr-9983	1643	7	rapidly	rapidly	ADV
cblr-9983	1643	8	changing	change	VERB
cblr-9983	1643	9	character	character	NOUN
cblr-9983	1643	10	of	of	ADP
cblr-9983	1643	11	modern	modern	ADJ
cblr-9983	1643	12	bank	bank	NOUN
cblr-9983	1643	13	activities	activity	NOUN
cblr-9983	1643	14	pose	pose	VERB
cblr-9983	1643	15	a	a	DET
cblr-9983	1643	16	considerable	considerable	ADJ
cblr-9983	1643	17	challenge	challenge	NOUN
cblr-9983	1643	18	in	in	ADP
cblr-9983	1643	19	trying	try	VERB
cblr-9983	1643	20	to	to	PART
cblr-9983	1643	21	draft	draft	VERB
cblr-9983	1643	22	regulations	regulation	NOUN
cblr-9983	1643	23	.	.	PUNCT
cblr-9983	1644	1	questions	question	NOUN
cblr-9983	1644	2	about	about	ADP
cblr-9983	1644	3	the	the	DET
cblr-9983	1644	4	consistency	consistency	NOUN
cblr-9983	1644	5	of	of	ADP
cblr-9983	1644	6	current	current	ADJ
cblr-9983	1644	7	bank	bank	NOUN
cblr-9983	1644	8	practices	practice	NOUN
cblr-9983	1644	9	with	with	ADP
cblr-9983	1644	10	even	even	ADV
cblr-9983	1644	11	detailed	detailed	ADJ
cblr-9983	1644	12	notice	notice	NOUN
cblr-9983	1644	13	-	-	PUNCT
cblr-9983	1644	14	and	and	CCONJ
cblr-9983	1644	15	-	-	PUNCT
cblr-9983	1644	16	comment	comment	NOUN
cblr-9983	1644	17	rules	rule	NOUN
cblr-9983	1644	18	are	be	AUX
cblr-9983	1644	19	routine	routine	ADJ
cblr-9983	1644	20	.	.	PUNCT
cblr-9983	1645	1	the	the	DET
cblr-9983	1645	2	rapid	rapid	ADJ
cblr-9983	1645	3	adjustment	adjustment	NOUN
cblr-9983	1645	4	of	of	ADP
cblr-9983	1645	5	banking	banking	NOUN
cblr-9983	1645	6	products	product	NOUN
cblr-9983	1645	7	or	or	CCONJ
cblr-9983	1645	8	practices	practice	NOUN
cblr-9983	1645	9	,	,	PUNCT
cblr-9983	1645	10	sometimes	sometimes	ADV
cblr-9983	1645	11	as	as	ADP
cblr-9983	1645	12	a	a	DET
cblr-9983	1645	13	direct	direct	ADJ
cblr-9983	1645	14	result	result	NOUN
cblr-9983	1645	15	of	of	ADP
cblr-9983	1645	16	a	a	DET
cblr-9983	1645	17	regulation	regulation	NOUN
cblr-9983	1645	18	,	,	PUNCT
cblr-9983	1645	19	often	often	ADV
cblr-9983	1645	20	quickly	quickly	ADV
cblr-9983	1645	21	raises	raise	VERB
cblr-9983	1645	22	a	a	DET
cblr-9983	1645	23	whole	whole	ADJ
cblr-9983	1645	24	new	new	ADJ
cblr-9983	1645	25	set	set	NOUN
cblr-9983	1645	26	of	of	ADP
cblr-9983	1645	27	unanticipated	unanticipated	ADJ
cblr-9983	1645	28	issues	issue	NOUN
cblr-9983	1645	29	.	.	PUNCT
cblr-9983	1646	1	bank	bank	NOUN
cblr-9983	1646	2	agency	agency	NOUN
cblr-9983	1646	3	officials	official	NOUN
cblr-9983	1646	4	—	—	PUNCT
cblr-9983	1646	5	usually	usually	ADV
cblr-9983	1646	6	through	through	ADP
cblr-9983	1646	7	line	line	NOUN
cblr-9983	1646	8	supervisors	supervisor	NOUN
cblr-9983	1646	9	—	—	PUNCT
cblr-9983	1646	10	regularly	regularly	ADV
cblr-9983	1646	11	provide	provide	VERB
cblr-9983	1646	12	formal	formal	ADJ
cblr-9983	1646	13	or	or	CCONJ
cblr-9983	1646	14	informal	informal	ADJ
cblr-9983	1646	15	265	265	NUM
cblr-9983	1646	16	see	see	VERB
cblr-9983	1646	17	i	i	PROPN
cblr-9983	1646	18	d.	d.	PROPN
cblr-9983	1646	19	§	§	PROPN
cblr-9983	1646	20	§	§	PROPN
cblr-9983	1646	21	93(b)(6	93(b)(6	NUM
cblr-9983	1646	22	)	)	PUNCT
cblr-9983	1646	23	,	,	PUNCT
cblr-9983	1646	24	(	(	PUNCT
cblr-9983	1646	25	d)(1)(c	d)(1)(c	X
cblr-9983	1646	26	)	)	PUNCT
cblr-9983	1646	27	.	.	PUNCT
cblr-9983	1647	1	372	372	NUM
cblr-9983	1647	2	columbia	columbia	PROPN
cblr-9983	1647	3	business	business	NOUN
cblr-9983	1647	4	law	law	PROPN
cblr-9983	1647	5	review	review	NOUN
cblr-9983	1647	6	[	[	X
cblr-9983	1647	7	vol	vol	NOUN
cblr-9983	1647	8	.	.	PUNCT
cblr-9983	1647	9	2022	2022	NUM
cblr-9983	1647	10	guidance	guidance	NOUN
cblr-9983	1647	11	to	to	ADP
cblr-9983	1647	12	banks	bank	NOUN
cblr-9983	1647	13	.	.	PUNCT
cblr-9983	1648	1	this	this	DET
cblr-9983	1648	2	practice	practice	NOUN
cblr-9983	1648	3	both	both	PRON
cblr-9983	1648	4	gives	give	VERB
cblr-9983	1648	5	banks	bank	NOUN
cblr-9983	1648	6	more	more	ADJ
cblr-9983	1648	7	certainty	certainty	NOUN
cblr-9983	1648	8	on	on	ADP
cblr-9983	1648	9	agency	agency	NOUN
cblr-9983	1648	10	views	view	NOUN
cblr-9983	1648	11	and	and	CCONJ
cblr-9983	1648	12	frequently	frequently	ADV
cblr-9983	1648	13	channels	channel	VERB
cblr-9983	1648	14	bank	bank	NOUN
cblr-9983	1648	15	behavior	behavior	NOUN
cblr-9983	1648	16	.	.	PUNCT
cblr-9983	1649	1	in	in	ADP
cblr-9983	1649	2	banking	banking	NOUN
cblr-9983	1649	3	,	,	PUNCT
cblr-9983	1649	4	though	though	ADV
cblr-9983	1649	5	,	,	PUNCT
cblr-9983	1649	6	even	even	ADV
cblr-9983	1649	7	as	as	SCONJ
cblr-9983	1649	8	the	the	DET
cblr-9983	1649	9	expanding	expand	VERB
cblr-9983	1649	10	scope	scope	NOUN
cblr-9983	1649	11	of	of	ADP
cblr-9983	1649	12	regulatory	regulatory	ADJ
cblr-9983	1649	13	rules	rule	NOUN
cblr-9983	1649	14	reconfigured	reconfigure	VERB
cblr-9983	1649	15	the	the	DET
cblr-9983	1649	16	longstanding	longstanding	ADJ
cblr-9983	1649	17	supervisory	supervisory	ADJ
cblr-9983	1649	18	function	function	NOUN
cblr-9983	1649	19	,	,	PUNCT
cblr-9983	1649	20	the	the	DET
cblr-9983	1649	21	existence	existence	NOUN
cblr-9983	1649	22	of	of	ADP
cblr-9983	1649	23	that	that	DET
cblr-9983	1649	24	function	function	NOUN
cblr-9983	1649	25	has	have	AUX
cblr-9983	1649	26	in	in	ADP
cblr-9983	1649	27	turn	turn	NOUN
cblr-9983	1649	28	been	be	AUX
cblr-9983	1649	29	relevant	relevant	ADJ
cblr-9983	1649	30	for	for	ADP
cblr-9983	1649	31	the	the	DET
cblr-9983	1649	32	formulation	formulation	NOUN
cblr-9983	1649	33	of	of	ADP
cblr-9983	1649	34	many	many	ADJ
cblr-9983	1649	35	regulatory	regulatory	ADJ
cblr-9983	1649	36	rules	rule	NOUN
cblr-9983	1649	37	.	.	PUNCT
cblr-9983	1650	1	as	as	SCONJ
cblr-9983	1650	2	the	the	DET
cblr-9983	1650	3	example	example	NOUN
cblr-9983	1650	4	of	of	ADP
cblr-9983	1650	5	minimum	minimum	ADJ
cblr-9983	1650	6	capital	capital	NOUN
cblr-9983	1650	7	requirements	requirement	NOUN
cblr-9983	1650	8	in	in	ADP
cblr-9983	1650	9	part	part	NOUN
cblr-9983	1650	10	ii	ii	PROPN
cblr-9983	1650	11	explained	explain	VERB
cblr-9983	1650	12	,	,	PUNCT
cblr-9983	1650	13	regulatory	regulatory	ADJ
cblr-9983	1650	14	rules	rule	NOUN
cblr-9983	1650	15	are	be	AUX
cblr-9983	1650	16	premised	premise	VERB
cblr-9983	1650	17	on	on	ADP
cblr-9983	1650	18	supervisory	supervisory	ADJ
cblr-9983	1650	19	exams	exam	NOUN
cblr-9983	1650	20	and	and	CCONJ
cblr-9983	1650	21	—	—	PUNCT
cblr-9983	1650	22	for	for	ADP
cblr-9983	1650	23	the	the	DET
cblr-9983	1650	24	largest	large	ADJ
cblr-9983	1650	25	banks	bank	NOUN
cblr-9983	1650	26	—	—	PUNCT
cblr-9983	1650	27	continuous	continuous	ADJ
cblr-9983	1650	28	monitoring	monitoring	NOUN
cblr-9983	1650	29	.	.	PUNCT
cblr-9983	1651	1	supervision	supervision	NOUN
cblr-9983	1651	2	helps	help	VERB
cblr-9983	1651	3	ensure	ensure	VERB
cblr-9983	1651	4	that	that	SCONJ
cblr-9983	1651	5	underlying	underlie	VERB
cblr-9983	1651	6	bank	bank	NOUN
cblr-9983	1651	7	risk	risk	NOUN
cblr-9983	1651	8	management	management	NOUN
cblr-9983	1651	9	practices	practice	NOUN
cblr-9983	1651	10	are	be	AUX
cblr-9983	1651	11	sound	sound	ADJ
cblr-9983	1651	12	and	and	CCONJ
cblr-9983	1651	13	that	that	SCONJ
cblr-9983	1651	14	there	there	PRON
cblr-9983	1651	15	is	be	VERB
cblr-9983	1651	16	an	an	DET
cblr-9983	1651	17	effective	effective	ADJ
cblr-9983	1651	18	way	way	NOUN
cblr-9983	1651	19	to	to	PART
cblr-9983	1651	20	address	address	VERB
cblr-9983	1651	21	the	the	DET
cblr-9983	1651	22	inevitable	inevitable	ADJ
cblr-9983	1651	23	unanticipated	unanticipated	ADJ
cblr-9983	1651	24	risks	risk	NOUN
cblr-9983	1651	25	and	and	CCONJ
cblr-9983	1651	26	opportunities	opportunity	NOUN
cblr-9983	1651	27	for	for	ADP
cblr-9983	1651	28	regulatory	regulatory	ADJ
cblr-9983	1651	29	arbitrage	arbitrage	NOUN
cblr-9983	1651	30	that	that	PRON
cblr-9983	1651	31	arise	arise	VERB
cblr-9983	1651	32	from	from	ADP
cblr-9983	1651	33	the	the	DET
cblr-9983	1651	34	characteristics	characteristic	NOUN
cblr-9983	1651	35	of	of	ADP
cblr-9983	1651	36	modern	modern	ADJ
cblr-9983	1651	37	financial	financial	ADJ
cblr-9983	1651	38	activity	activity	NOUN
cblr-9983	1651	39	.	.	PUNCT
cblr-9983	1652	1	this	this	DET
cblr-9983	1652	2	premise	premise	NOUN
cblr-9983	1652	3	is	be	AUX
cblr-9983	1652	4	generally	generally	ADV
cblr-9983	1652	5	implicit	implicit	ADJ
cblr-9983	1652	6	,	,	PUNCT
cblr-9983	1652	7	rather	rather	ADV
cblr-9983	1652	8	than	than	SCONJ
cblr-9983	1652	9	explicitly	explicitly	ADV
cblr-9983	1652	10	stated	state	VERB
cblr-9983	1652	11	.	.	PUNCT
cblr-9983	1653	1	but	but	CCONJ
cblr-9983	1653	2	that	that	PRON
cblr-9983	1653	3	is	be	AUX
cblr-9983	1653	4	not	not	PART
cblr-9983	1653	5	surprising	surprising	ADJ
cblr-9983	1653	6	,	,	PUNCT
cblr-9983	1653	7	insofar	insofar	ADV
cblr-9983	1653	8	as	as	SCONJ
cblr-9983	1653	9	supervision	supervision	NOUN
cblr-9983	1653	10	was	be	AUX
cblr-9983	1653	11	well	well	ADV
cblr-9983	1653	12	-	-	PUNCT
cblr-9983	1653	13	established	establish	VERB
cblr-9983	1653	14	before	before	SCONJ
cblr-9983	1653	15	the	the	DET
cblr-9983	1653	16	proliferation	proliferation	NOUN
cblr-9983	1653	17	of	of	ADP
cblr-9983	1653	18	regulatory	regulatory	ADJ
cblr-9983	1653	19	rules	rule	NOUN
cblr-9983	1653	20	began	begin	VERB
cblr-9983	1653	21	.	.	PUNCT
cblr-9983	1654	1	if	if	SCONJ
cblr-9983	1654	2	one	one	NUM
cblr-9983	1654	3	were	be	AUX
cblr-9983	1654	4	to	to	PART
cblr-9983	1654	5	tell	tell	VERB
cblr-9983	1654	6	the	the	DET
cblr-9983	1654	7	banking	banking	NOUN
cblr-9983	1654	8	agency	agency	NOUN
cblr-9983	1654	9	officials	official	NOUN
cblr-9983	1654	10	who	who	PRON
cblr-9983	1654	11	write	write	VERB
cblr-9983	1654	12	and	and	CCONJ
cblr-9983	1654	13	revise	revise	VERB
cblr-9983	1654	14	regulatory	regulatory	ADJ
cblr-9983	1654	15	rules	rule	NOUN
cblr-9983	1654	16	that	that	SCONJ
cblr-9983	1654	17	there	there	PRON
cblr-9983	1654	18	would	would	AUX
cblr-9983	1654	19	no	no	ADV
cblr-9983	1654	20	longer	long	ADV
cblr-9983	1654	21	be	be	AUX
cblr-9983	1654	22	any	any	DET
cblr-9983	1654	23	supervisory	supervisory	ADJ
cblr-9983	1654	24	exams	exam	NOUN
cblr-9983	1654	25	or	or	CCONJ
cblr-9983	1654	26	continuous	continuous	ADJ
cblr-9983	1654	27	monitoring	monitoring	NOUN
cblr-9983	1654	28	,	,	PUNCT
cblr-9983	1654	29	they	they	PRON
cblr-9983	1654	30	would	would	AUX
cblr-9983	1654	31	surely	surely	ADV
cblr-9983	1654	32	rethink	rethink	VERB
cblr-9983	1654	33	the	the	DET
cblr-9983	1654	34	content	content	NOUN
cblr-9983	1654	35	of	of	ADP
cblr-9983	1654	36	those	those	DET
cblr-9983	1654	37	rules	rule	NOUN
cblr-9983	1654	38	.	.	PUNCT
cblr-9983	1655	1	the	the	DET
cblr-9983	1655	2	result	result	NOUN
cblr-9983	1655	3	would	would	AUX
cblr-9983	1655	4	likely	likely	ADV
cblr-9983	1655	5	be	be	AUX
cblr-9983	1655	6	a	a	DET
cblr-9983	1655	7	set	set	NOUN
cblr-9983	1655	8	of	of	ADP
cblr-9983	1655	9	rules	rule	NOUN
cblr-9983	1655	10	intended	intend	VERB
cblr-9983	1655	11	to	to	PART
cblr-9983	1655	12	capture	capture	VERB
cblr-9983	1655	13	more	more	ADJ
cblr-9983	1655	14	bank	bank	NOUN
cblr-9983	1655	15	practices	practice	NOUN
cblr-9983	1655	16	,	,	PUNCT
cblr-9983	1655	17	including	include	VERB
cblr-9983	1655	18	practices	practice	NOUN
cblr-9983	1655	19	not	not	PART
cblr-9983	1655	20	specifically	specifically	ADV
cblr-9983	1655	21	anticipated	anticipate	VERB
cblr-9983	1655	22	by	by	ADP
cblr-9983	1655	23	the	the	DET
cblr-9983	1655	24	regulators	regulator	NOUN
cblr-9983	1655	25	.	.	PUNCT
cblr-9983	1656	1	it	it	PRON
cblr-9983	1656	2	is	be	AUX
cblr-9983	1656	3	quite	quite	ADV
cblr-9983	1656	4	plausible	plausible	ADJ
cblr-9983	1656	5	that	that	SCONJ
cblr-9983	1656	6	such	such	ADJ
cblr-9983	1656	7	regulatory	regulatory	ADJ
cblr-9983	1656	8	rules	rule	NOUN
cblr-9983	1656	9	would	would	AUX
cblr-9983	1656	10	in	in	ADP
cblr-9983	1656	11	the	the	DET
cblr-9983	1656	12	aggregate	aggregate	NOUN
cblr-9983	1656	13	impose	impose	VERB
cblr-9983	1656	14	greater	great	ADJ
cblr-9983	1656	15	costs	cost	NOUN
cblr-9983	1656	16	on	on	ADP
cblr-9983	1656	17	current	current	ADJ
cblr-9983	1656	18	financial	financial	ADJ
cblr-9983	1656	19	intermediation	intermediation	NOUN
cblr-9983	1656	20	,	,	PUNCT
cblr-9983	1656	21	while	while	SCONJ
cblr-9983	1656	22	yielding	yield	VERB
cblr-9983	1656	23	lower	low	ADJ
cblr-9983	1656	24	benefits	benefit	NOUN
cblr-9983	1656	25	of	of	ADP
cblr-9983	1656	26	reduced	reduced	ADJ
cblr-9983	1656	27	risks	risk	NOUN
cblr-9983	1656	28	of	of	ADP
cblr-9983	1656	29	bank	bank	NOUN
cblr-9983	1656	30	insolvency	insolvency	NOUN
cblr-9983	1656	31	and	and	CCONJ
cblr-9983	1656	32	financial	financial	ADJ
cblr-9983	1656	33	instability	instability	NOUN
cblr-9983	1656	34	,	,	PUNCT
cblr-9983	1656	35	than	than	SCONJ
cblr-9983	1656	36	could	could	AUX
cblr-9983	1656	37	have	have	AUX
cblr-9983	1656	38	been	be	AUX
cblr-9983	1656	39	achieved	achieve	VERB
cblr-9983	1656	40	with	with	ADP
cblr-9983	1656	41	supervision	supervision	NOUN
cblr-9983	1656	42	as	as	ADP
cblr-9983	1656	43	a	a	DET
cblr-9983	1656	44	complementary	complementary	ADJ
cblr-9983	1656	45	regulatory	regulatory	ADJ
cblr-9983	1656	46	tool	tool	NOUN
cblr-9983	1656	47	.	.	PUNCT
cblr-9983	1657	1	the	the	DET
cblr-9983	1657	2	second	second	ADJ
cblr-9983	1657	3	trend	trend	NOUN
cblr-9983	1657	4	has	have	AUX
cblr-9983	1657	5	been	be	AUX
cblr-9983	1657	6	a	a	DET
cblr-9983	1657	7	series	series	NOUN
cblr-9983	1657	8	of	of	ADP
cblr-9983	1657	9	amendments	amendment	NOUN
cblr-9983	1657	10	to	to	ADP
cblr-9983	1657	11	banking	banking	NOUN
cblr-9983	1657	12	law	law	NOUN
cblr-9983	1657	13	that	that	PRON
cblr-9983	1657	14	have	have	AUX
cblr-9983	1657	15	both	both	PRON
cblr-9983	1657	16	established	establish	VERB
cblr-9983	1657	17	a	a	DET
cblr-9983	1657	18	more	more	ADV
cblr-9983	1657	19	explicitly	explicitly	ADV
cblr-9983	1657	20	supervisory	supervisory	ADJ
cblr-9983	1657	21	function	function	NOUN
cblr-9983	1657	22	for	for	ADP
cblr-9983	1657	23	the	the	DET
cblr-9983	1657	24	banking	banking	NOUN
cblr-9983	1657	25	agencies	agency	NOUN
cblr-9983	1657	26	and	and	CCONJ
cblr-9983	1657	27	multiplied	multiply	VERB
cblr-9983	1657	28	the	the	DET
cblr-9983	1657	29	occasions	occasion	NOUN
cblr-9983	1657	30	on	on	ADP
cblr-9983	1657	31	which	which	PRON
cblr-9983	1657	32	supervisory	supervisory	ADJ
cblr-9983	1657	33	judgment	judgment	NOUN
cblr-9983	1657	34	will	will	AUX
cblr-9983	1657	35	invariably	invariably	ADV
cblr-9983	1657	36	affect	affect	VERB
cblr-9983	1657	37	legally	legally	ADV
cblr-9983	1657	38	required	require	VERB
cblr-9983	1657	39	approvals	approval	NOUN
cblr-9983	1657	40	for	for	ADP
cblr-9983	1657	41	various	various	ADJ
cblr-9983	1657	42	bank	bank	NOUN
cblr-9983	1657	43	activities	activity	NOUN
cblr-9983	1657	44	.	.	PUNCT
cblr-9983	1658	1	the	the	DET
cblr-9983	1658	2	set	set	NOUN
cblr-9983	1658	3	of	of	ADP
cblr-9983	1658	4	provisions	provision	NOUN
cblr-9983	1658	5	establishing	establish	VERB
cblr-9983	1658	6	the	the	DET
cblr-9983	1658	7	supervisory	supervisory	ADJ
cblr-9983	1658	8	function	function	NOUN
cblr-9983	1658	9	was	be	AUX
cblr-9983	1658	10	explained	explain	VERB
cblr-9983	1658	11	in	in	ADP
cblr-9983	1658	12	part	part	PROPN
cblr-9983	1658	13	ii	ii	PROPN
cblr-9983	1658	14	.	.	PUNCT
cblr-9983	1659	1	statutory	statutory	ADJ
cblr-9983	1659	2	requirements	requirement	NOUN
cblr-9983	1659	3	for	for	ADP
cblr-9983	1659	4	regulatory	regulatory	ADJ
cblr-9983	1659	5	approvals	approval	NOUN
cblr-9983	1659	6	of	of	ADP
cblr-9983	1659	7	proposed	propose	VERB
cblr-9983	1659	8	bank	bank	NOUN
cblr-9983	1659	9	actions	action	NOUN
cblr-9983	1659	10	or	or	CCONJ
cblr-9983	1659	11	activities	activity	NOUN
cblr-9983	1659	12	have	have	AUX
cblr-9983	1659	13	been	be	AUX
cblr-9983	1659	14	added	add	VERB
cblr-9983	1659	15	by	by	ADP
cblr-9983	1659	16	congress	congress	PROPN
cblr-9983	1659	17	both	both	PRON
cblr-9983	1659	18	when	when	SCONJ
cblr-9983	1659	19	it	it	PRON
cblr-9983	1659	20	seeks	seek	VERB
cblr-9983	1659	21	to	to	PART
cblr-9983	1659	22	tighten	tighten	VERB
cblr-9983	1659	23	no	no	NOUN
cblr-9983	1659	24	.	.	PUNCT
cblr-9983	1660	1	1:279	1:279	NOUN
cblr-9983	1660	2	]	]	X
cblr-9983	1660	3	bank	bank	NOUN
cblr-9983	1660	4	supervision	supervision	NOUN
cblr-9983	1660	5	and	and	CCONJ
cblr-9983	1660	6	administrative	administrative	ADJ
cblr-9983	1660	7	law	law	NOUN
cblr-9983	1660	8	373	373	NUM
cblr-9983	1660	9	regulation266	regulation266	PROPN
cblr-9983	1660	10	and	and	CCONJ
cblr-9983	1660	11	when	when	SCONJ
cblr-9983	1660	12	it	it	PRON
cblr-9983	1660	13	enacts	enact	VERB
cblr-9983	1660	14	deregulatory	deregulatory	ADJ
cblr-9983	1660	15	measures	measure	NOUN
cblr-9983	1660	16	that	that	PRON
cblr-9983	1660	17	reduced	reduce	VERB
cblr-9983	1660	18	structural	structural	ADJ
cblr-9983	1660	19	or	or	CCONJ
cblr-9983	1660	20	activities	activity	NOUN
cblr-9983	1660	21	constraints	constraint	NOUN
cblr-9983	1660	22	on	on	ADP
cblr-9983	1660	23	banking	bank	VERB
cblr-9983	1660	24	organizations.267	organizations.267	ADJ
cblr-9983	1660	25	requirements	requirement	NOUN
cblr-9983	1660	26	for	for	ADP
cblr-9983	1660	27	regulatory	regulatory	ADJ
cblr-9983	1660	28	approval	approval	NOUN
cblr-9983	1660	29	are	be	AUX
cblr-9983	1660	30	easy	easy	ADJ
cblr-9983	1660	31	to	to	PART
cblr-9983	1660	32	explain	explain	VERB
cblr-9983	1660	33	in	in	ADP
cblr-9983	1660	34	the	the	DET
cblr-9983	1660	35	former	former	ADJ
cblr-9983	1660	36	case	case	NOUN
cblr-9983	1660	37	.	.	PUNCT
cblr-9983	1661	1	they	they	PRON
cblr-9983	1661	2	may	may	AUX
cblr-9983	1661	3	be	be	AUX
cblr-9983	1661	4	less	less	ADV
cblr-9983	1661	5	intuitive	intuitive	ADJ
cblr-9983	1661	6	where	where	SCONJ
cblr-9983	1661	7	congress	congress	PROPN
cblr-9983	1661	8	is	be	AUX
cblr-9983	1661	9	deregulating	deregulate	VERB
cblr-9983	1661	10	,	,	PUNCT
cblr-9983	1661	11	but	but	CCONJ
cblr-9983	1661	12	regulatory	regulatory	ADJ
cblr-9983	1661	13	approval	approval	NOUN
cblr-9983	1661	14	of	of	ADP
cblr-9983	1661	15	specific	specific	ADJ
cblr-9983	1661	16	actions	action	NOUN
cblr-9983	1661	17	has	have	AUX
cblr-9983	1661	18	sometimes	sometimes	ADV
cblr-9983	1661	19	been	be	AUX
cblr-9983	1661	20	the	the	DET
cblr-9983	1661	21	price	price	NOUN
cblr-9983	1661	22	for	for	ADP
cblr-9983	1661	23	expanded	expand	VERB
cblr-9983	1661	24	powers	power	NOUN
cblr-9983	1661	25	under	under	ADP
cblr-9983	1661	26	the	the	DET
cblr-9983	1661	27	banking	banking	NOUN
cblr-9983	1661	28	laws	law	NOUN
cblr-9983	1661	29	.	.	PUNCT
cblr-9983	1662	1	these	these	DET
cblr-9983	1662	2	statutes	statute	NOUN
cblr-9983	1662	3	give	give	VERB
cblr-9983	1662	4	the	the	DET
cblr-9983	1662	5	banking	banking	NOUN
cblr-9983	1662	6	agencies	agency	NOUN
cblr-9983	1662	7	broad	broad	ADJ
cblr-9983	1662	8	discretion	discretion	NOUN
cblr-9983	1662	9	,	,	PUNCT
cblr-9983	1662	10	in	in	ADP
cblr-9983	1662	11	part	part	NOUN
cblr-9983	1662	12	because	because	SCONJ
cblr-9983	1662	13	they	they	PRON
cblr-9983	1662	14	mandate	mandate	VERB
cblr-9983	1662	15	consideration	consideration	NOUN
cblr-9983	1662	16	of	of	ADP
cblr-9983	1662	17	many	many	ADJ
cblr-9983	1662	18	266	266	NUM
cblr-9983	1662	19	see	see	VERB
cblr-9983	1662	20	,	,	PUNCT
cblr-9983	1662	21	e.g.	e.g.	ADV
cblr-9983	1662	22	,	,	PUNCT
cblr-9983	1662	23	the	the	DET
cblr-9983	1662	24	bank	bank	NOUN
cblr-9983	1662	25	holding	hold	VERB
cblr-9983	1662	26	company	company	NOUN
cblr-9983	1662	27	act	act	NOUN
cblr-9983	1662	28	of	of	ADP
cblr-9983	1662	29	1956	1956	NUM
cblr-9983	1662	30	,	,	PUNCT
cblr-9983	1662	31	pub	pub	NOUN
cblr-9983	1662	32	.	.	PUNCT
cblr-9983	1663	1	l.	l.	PROPN
cblr-9983	1663	2	no	no	INTJ
cblr-9983	1663	3	.	.	PROPN
cblr-9983	1664	1	84511	84511	NUM
cblr-9983	1664	2	,	,	PUNCT
cblr-9983	1664	3	70	70	NUM
cblr-9983	1664	4	stat	stat	NOUN
cblr-9983	1664	5	.	.	PUNCT
cblr-9983	1665	1	133	133	NUM
cblr-9983	1665	2	,	,	PUNCT
cblr-9983	1665	3	which	which	PRON
cblr-9983	1665	4	was	be	AUX
cblr-9983	1665	5	directed	direct	VERB
cblr-9983	1665	6	at	at	ADP
cblr-9983	1665	7	bank	bank	NOUN
cblr-9983	1665	8	circumvention	circumvention	NOUN
cblr-9983	1665	9	of	of	ADP
cblr-9983	1665	10	pervious	pervious	ADJ
cblr-9983	1665	11	banking	banking	NOUN
cblr-9983	1665	12	laws	law	NOUN
cblr-9983	1665	13	,	,	PUNCT
cblr-9983	1665	14	such	such	ADJ
cblr-9983	1665	15	as	as	ADP
cblr-9983	1665	16	branching	branch	VERB
cblr-9983	1665	17	restrictions	restriction	NOUN
cblr-9983	1665	18	and	and	CCONJ
cblr-9983	1665	19	of	of	ADP
cblr-9983	1665	20	the	the	DET
cblr-9983	1665	21	separation	separation	NOUN
cblr-9983	1665	22	of	of	ADP
cblr-9983	1665	23	banking	banking	NOUN
cblr-9983	1665	24	from	from	ADP
cblr-9983	1665	25	commercial	commercial	ADJ
cblr-9983	1665	26	activities	activity	NOUN
cblr-9983	1665	27	.	.	PUNCT
cblr-9983	1666	1	267	267	NUM
cblr-9983	1666	2	for	for	ADP
cblr-9983	1666	3	example	example	NOUN
cblr-9983	1666	4	,	,	PUNCT
cblr-9983	1666	5	the	the	DET
cblr-9983	1666	6	riegle	riegle	ADJ
cblr-9983	1666	7	-	-	PUNCT
cblr-9983	1666	8	neal	neal	PROPN
cblr-9983	1666	9	interstate	interstate	PROPN
cblr-9983	1666	10	banking	banking	PROPN
cblr-9983	1666	11	act	act	NOUN
cblr-9983	1666	12	of	of	ADP
cblr-9983	1666	13	1994	1994	NUM
cblr-9983	1666	14	removed	remove	VERB
cblr-9983	1666	15	most	most	ADJ
cblr-9983	1666	16	statutory	statutory	ADJ
cblr-9983	1666	17	prohibitions	prohibition	NOUN
cblr-9983	1666	18	on	on	ADP
cblr-9983	1666	19	interstate	interstate	ADJ
cblr-9983	1666	20	bank	bank	NOUN
cblr-9983	1666	21	acquisitions	acquisition	NOUN
cblr-9983	1666	22	,	,	PUNCT
cblr-9983	1666	23	but	but	CCONJ
cblr-9983	1666	24	required	require	VERB
cblr-9983	1666	25	prior	prior	ADJ
cblr-9983	1666	26	approval	approval	NOUN
cblr-9983	1666	27	of	of	ADP
cblr-9983	1666	28	any	any	DET
cblr-9983	1666	29	such	such	ADJ
cblr-9983	1666	30	acquisitions	acquisition	NOUN
cblr-9983	1666	31	by	by	ADP
cblr-9983	1666	32	the	the	DET
cblr-9983	1666	33	federal	federal	PROPN
cblr-9983	1666	34	reserve	reserve	PROPN
cblr-9983	1666	35	board	board	PROPN
cblr-9983	1666	36	.	.	PUNCT
cblr-9983	1667	1	riegle	riegle	PROPN
cblr-9983	1667	2	-	-	PUNCT
cblr-9983	1667	3	neal	neal	PROPN
cblr-9983	1667	4	interstate	interstate	PROPN
cblr-9983	1667	5	banking	banking	PROPN
cblr-9983	1667	6	act	act	NOUN
cblr-9983	1667	7	of	of	ADP
cblr-9983	1667	8	1994	1994	NUM
cblr-9983	1667	9	,	,	PUNCT
cblr-9983	1667	10	pub	pub	NOUN
cblr-9983	1667	11	.	.	PUNCT
cblr-9983	1668	1	l.	l.	PROPN
cblr-9983	1668	2	no	no	INTJ
cblr-9983	1668	3	.	.	PROPN
cblr-9983	1669	1	103	103	NUM
cblr-9983	1669	2	-	-	SYM
cblr-9983	1669	3	328	328	NUM
cblr-9983	1669	4	,	,	PUNCT
cblr-9983	1669	5	§	§	NOUN
cblr-9983	1669	6	101(a	101(a	NUM
cblr-9983	1669	7	)	)	PUNCT
cblr-9983	1669	8	,	,	PUNCT
cblr-9983	1669	9	108	108	NUM
cblr-9983	1669	10	stat	stat	NOUN
cblr-9983	1669	11	.	.	PUNCT
cblr-9983	1670	1	2238	2238	NUM
cblr-9983	1670	2	,	,	PUNCT
cblr-9983	1670	3	2339	2339	NUM
cblr-9983	1670	4	(	(	PUNCT
cblr-9983	1670	5	codified	codify	VERB
cblr-9983	1670	6	at	at	ADP
cblr-9983	1670	7	12	12	NUM
cblr-9983	1670	8	u.s.c	u.s.c	NOUN
cblr-9983	1670	9	.	.	PUNCT
cblr-9983	1671	1	§	§	PROPN
cblr-9983	1671	2	1842(d)(1	1842(d)(1	NUM
cblr-9983	1671	3	)	)	PUNCT
cblr-9983	1671	4	)	)	PUNCT
cblr-9983	1672	1	(	(	PUNCT
cblr-9983	1672	2	amending	amend	VERB
cblr-9983	1672	3	the	the	DET
cblr-9983	1672	4	bank	bank	NOUN
cblr-9983	1672	5	holding	hold	VERB
cblr-9983	1672	6	company	company	NOUN
cblr-9983	1672	7	act	act	NOUN
cblr-9983	1672	8	of	of	ADP
cblr-9983	1672	9	1956	1956	NUM
cblr-9983	1672	10	,	,	PUNCT
cblr-9983	1672	11	pub	pub	NOUN
cblr-9983	1672	12	.	.	PUNCT
cblr-9983	1673	1	l.	l.	PROPN
cblr-9983	1673	2	84	84	NUM
cblr-9983	1673	3	-	-	SYM
cblr-9983	1673	4	511	511	NUM
cblr-9983	1673	5	,	,	PUNCT
cblr-9983	1673	6	§	§	X
cblr-9983	1673	7	(	(	PUNCT
cblr-9983	1673	8	3)(d	3)(d	NUM
cblr-9983	1673	9	)	)	PUNCT
cblr-9983	1673	10	,	,	PUNCT
cblr-9983	1673	11	70	70	NUM
cblr-9983	1673	12	stat	stat	NOUN
cblr-9983	1673	13	.	.	PUNCT
cblr-9983	1674	1	133	133	NUM
cblr-9983	1674	2	,	,	PUNCT
cblr-9983	1674	3	135	135	NUM
cblr-9983	1674	4	)	)	PUNCT
cblr-9983	1674	5	.	.	PUNCT
cblr-9983	1675	1	similarly	similarly	ADV
cblr-9983	1675	2	,	,	PUNCT
cblr-9983	1675	3	the	the	DET
cblr-9983	1675	4	gramm	gramm	NOUN
cblr-9983	1675	5	-	-	PUNCT
cblr-9983	1675	6	leach	leach	NOUN
cblr-9983	1675	7	-	-	PUNCT
cblr-9983	1675	8	bliley	bliley	NOUN
cblr-9983	1675	9	act	act	NOUN
cblr-9983	1675	10	,	,	PUNCT
cblr-9983	1675	11	pub	pub	NOUN
cblr-9983	1675	12	.	.	PUNCT
cblr-9983	1676	1	l.	l.	PROPN
cblr-9983	1676	2	no	no	INTJ
cblr-9983	1676	3	.	.	PROPN
cblr-9983	1677	1	106	106	NUM
cblr-9983	1677	2	-	-	SYM
cblr-9983	1677	3	102	102	NUM
cblr-9983	1677	4	,	,	PUNCT
cblr-9983	1677	5	113	113	NUM
cblr-9983	1677	6	stat	stat	NOUN
cblr-9983	1677	7	.	.	PUNCT
cblr-9983	1678	1	1338	1338	NUM
cblr-9983	1678	2	(	(	PUNCT
cblr-9983	1678	3	1999	1999	NUM
cblr-9983	1678	4	)	)	PUNCT
cblr-9983	1678	5	,	,	PUNCT
cblr-9983	1678	6	was	be	AUX
cblr-9983	1678	7	an	an	DET
cblr-9983	1678	8	essentially	essentially	ADV
cblr-9983	1678	9	deregulatory	deregulatory	ADJ
cblr-9983	1678	10	piece	piece	NOUN
cblr-9983	1678	11	of	of	ADP
cblr-9983	1678	12	legislation	legislation	NOUN
cblr-9983	1678	13	,	,	PUNCT
cblr-9983	1678	14	best	well	ADV
cblr-9983	1678	15	known	know	VERB
cblr-9983	1678	16	for	for	ADP
cblr-9983	1678	17	having	having	AUX
cblr-9983	1678	18	repealed	repeal	VERB
cblr-9983	1678	19	the	the	DET
cblr-9983	1678	20	glass	glass	NOUN
cblr-9983	1678	21	-	-	PUNCT
cblr-9983	1678	22	steagall	steagall	NOUN
cblr-9983	1678	23	prohibition	prohibition	NOUN
cblr-9983	1678	24	on	on	ADP
cblr-9983	1678	25	affiliations	affiliation	NOUN
cblr-9983	1678	26	between	between	ADP
cblr-9983	1678	27	insured	insure	VERB
cblr-9983	1678	28	depository	depository	NOUN
cblr-9983	1678	29	institutions	institution	NOUN
cblr-9983	1678	30	and	and	CCONJ
cblr-9983	1678	31	investment	investment	NOUN
cblr-9983	1678	32	banks	bank	NOUN
cblr-9983	1678	33	.	.	PUNCT
cblr-9983	1679	1	but	but	CCONJ
cblr-9983	1679	2	,	,	PUNCT
cblr-9983	1679	3	even	even	ADV
cblr-9983	1679	4	in	in	ADP
cblr-9983	1679	5	constraining	constrain	VERB
cblr-9983	1679	6	the	the	DET
cblr-9983	1679	7	authority	authority	NOUN
cblr-9983	1679	8	of	of	ADP
cblr-9983	1679	9	the	the	DET
cblr-9983	1679	10	federal	federal	PROPN
cblr-9983	1679	11	reserve	reserve	PROPN
cblr-9983	1679	12	to	to	PART
cblr-9983	1679	13	oversee	oversee	VERB
cblr-9983	1679	14	the	the	DET
cblr-9983	1679	15	non	non	ADJ
cblr-9983	1679	16	-	-	ADJ
cblr-9983	1679	17	bank	bank	ADJ
cblr-9983	1679	18	affiliates	affiliate	NOUN
cblr-9983	1679	19	within	within	ADP
cblr-9983	1679	20	bank	bank	NOUN
cblr-9983	1679	21	holding	hold	VERB
cblr-9983	1679	22	companies	company	NOUN
cblr-9983	1679	23	,	,	PUNCT
cblr-9983	1679	24	the	the	DET
cblr-9983	1679	25	act	act	NOUN
cblr-9983	1679	26	reflected	reflect	VERB
cblr-9983	1679	27	the	the	DET
cblr-9983	1679	28	assumption	assumption	NOUN
cblr-9983	1679	29	of	of	ADP
cblr-9983	1679	30	a	a	DET
cblr-9983	1679	31	well	well	ADV
cblr-9983	1679	32	-	-	PUNCT
cblr-9983	1679	33	established	establish	VERB
cblr-9983	1679	34	supervisory	supervisory	ADJ
cblr-9983	1679	35	function	function	NOUN
cblr-9983	1679	36	.	.	PUNCT
cblr-9983	1680	1	indeed	indeed	ADV
cblr-9983	1680	2	,	,	PUNCT
cblr-9983	1680	3	subtitle	subtitle	PROPN
cblr-9983	1680	4	b	b	PROPN
cblr-9983	1680	5	of	of	ADP
cblr-9983	1680	6	title	title	NOUN
cblr-9983	1680	7	i	i	PRON
cblr-9983	1680	8	of	of	ADP
cblr-9983	1680	9	the	the	DET
cblr-9983	1680	10	act	act	NOUN
cblr-9983	1680	11	is	be	AUX
cblr-9983	1680	12	entitled	entitle	VERB
cblr-9983	1680	13	“	"	PUNCT
cblr-9983	1680	14	streamlining	streamline	VERB
cblr-9983	1680	15	supervision	supervision	NOUN
cblr-9983	1680	16	of	of	ADP
cblr-9983	1680	17	bank	bank	NOUN
cblr-9983	1680	18	holding	hold	VERB
cblr-9983	1680	19	companies	company	NOUN
cblr-9983	1680	20	.	.	PUNCT
cblr-9983	1680	21	”	"	PUNCT
cblr-9983	1681	1	113	113	NUM
cblr-9983	1681	2	stat	stat	NOUN
cblr-9983	1681	3	.	.	PUNCT
cblr-9983	1682	1	at	at	ADP
cblr-9983	1682	2	1362	1362	NUM
cblr-9983	1682	3	.	.	PUNCT
cblr-9983	1683	1	one	one	NUM
cblr-9983	1683	2	provision	provision	NOUN
cblr-9983	1683	3	in	in	ADP
cblr-9983	1683	4	this	this	DET
cblr-9983	1683	5	subtitle	subtitle	NOUN
cblr-9983	1683	6	,	,	PUNCT
cblr-9983	1683	7	§	§	PROPN
cblr-9983	1683	8	113	113	NUM
cblr-9983	1683	9	,	,	PUNCT
cblr-9983	1683	10	added	add	VERB
cblr-9983	1683	11	a	a	DET
cblr-9983	1683	12	new	new	ADJ
cblr-9983	1683	13	§	§	PROPN
cblr-9983	1683	14	10a	10a	PROPN
cblr-9983	1683	15	to	to	ADP
cblr-9983	1683	16	the	the	DET
cblr-9983	1683	17	bank	bank	NOUN
cblr-9983	1683	18	holding	hold	VERB
cblr-9983	1683	19	company	company	NOUN
cblr-9983	1683	20	act	act	NOUN
cblr-9983	1683	21	.	.	PUNCT
cblr-9983	1684	1	§	§	PROPN
cblr-9983	1684	2	113	113	NUM
cblr-9983	1684	3	,	,	PUNCT
cblr-9983	1684	4	113	113	NUM
cblr-9983	1684	5	stat	stat	NOUN
cblr-9983	1684	6	.	.	PUNCT
cblr-9983	1685	1	at	at	ADP
cblr-9983	1685	2	1369	1369	NUM
cblr-9983	1685	3	.	.	PUNCT
cblr-9983	1686	1	that	that	DET
cblr-9983	1686	2	section	section	NOUN
cblr-9983	1686	3	,	,	PUNCT
cblr-9983	1686	4	entitled	entitle	VERB
cblr-9983	1686	5	“	"	PUNCT
cblr-9983	1686	6	limitation	limitation	NOUN
cblr-9983	1686	7	on	on	ADP
cblr-9983	1686	8	rulemaking	rulemaking	NOUN
cblr-9983	1686	9	,	,	PUNCT
cblr-9983	1686	10	prudential	prudential	ADJ
cblr-9983	1686	11	,	,	PUNCT
cblr-9983	1686	12	supervisory	supervisory	ADJ
cblr-9983	1686	13	,	,	PUNCT
cblr-9983	1686	14	and	and	CCONJ
cblr-9983	1686	15	enforcement	enforcement	NOUN
cblr-9983	1686	16	authority	authority	NOUN
cblr-9983	1686	17	of	of	ADP
cblr-9983	1686	18	the	the	DET
cblr-9983	1686	19	board	board	NOUN
cblr-9983	1686	20	”	"	PUNCT
cblr-9983	1686	21	provided	provide	VERB
cblr-9983	1686	22	that	that	SCONJ
cblr-9983	1686	23	the	the	DET
cblr-9983	1686	24	board	board	NOUN
cblr-9983	1686	25	may	may	AUX
cblr-9983	1686	26	not	not	PART
cblr-9983	1686	27	prescribe	prescribe	VERB
cblr-9983	1686	28	regulations	regulation	NOUN
cblr-9983	1686	29	,	,	PUNCT
cblr-9983	1686	30	issue	issue	NOUN
cblr-9983	1686	31	or	or	CCONJ
cblr-9983	1686	32	seek	seek	VERB
cblr-9983	1686	33	entry	entry	NOUN
cblr-9983	1686	34	of	of	ADP
cblr-9983	1686	35	orders	order	NOUN
cblr-9983	1686	36	,	,	PUNCT
cblr-9983	1686	37	impose	impose	VERB
cblr-9983	1686	38	restraints	restraint	NOUN
cblr-9983	1686	39	,	,	PUNCT
cblr-9983	1686	40	restrictions	restriction	NOUN
cblr-9983	1686	41	,	,	PUNCT
cblr-9983	1686	42	guidelines	guideline	NOUN
cblr-9983	1686	43	,	,	PUNCT
cblr-9983	1686	44	requirements	requirement	NOUN
cblr-9983	1686	45	,	,	PUNCT
cblr-9983	1686	46	safeguards	safeguard	NOUN
cblr-9983	1686	47	,	,	PUNCT
cblr-9983	1686	48	or	or	CCONJ
cblr-9983	1686	49	standards	standard	NOUN
cblr-9983	1686	50	,	,	PUNCT
cblr-9983	1686	51	or	or	CCONJ
cblr-9983	1686	52	otherwise	otherwise	ADV
cblr-9983	1686	53	take	take	VERB
cblr-9983	1686	54	any	any	DET
cblr-9983	1686	55	action	action	NOUN
cblr-9983	1686	56	under	under	ADP
cblr-9983	1686	57	or	or	CCONJ
cblr-9983	1686	58	pursuant	pursuant	VERB
cblr-9983	1686	59	to	to	ADP
cblr-9983	1686	60	any	any	DET
cblr-9983	1686	61	provision	provision	NOUN
cblr-9983	1686	62	of	of	ADP
cblr-9983	1686	63	this	this	DET
cblr-9983	1686	64	act	act	NOUN
cblr-9983	1686	65	or	or	CCONJ
cblr-9983	1686	66	section	section	NOUN
cblr-9983	1686	67	8	8	NUM
cblr-9983	1686	68	of	of	ADP
cblr-9983	1686	69	the	the	DET
cblr-9983	1686	70	federal	federal	ADJ
cblr-9983	1686	71	deposit	deposit	NOUN
cblr-9983	1686	72	insurance	insurance	NOUN
cblr-9983	1686	73	act	act	NOUN
cblr-9983	1686	74	against	against	ADP
cblr-9983	1686	75	or	or	CCONJ
cblr-9983	1686	76	with	with	ADP
cblr-9983	1686	77	respect	respect	NOUN
cblr-9983	1686	78	to	to	ADP
cblr-9983	1686	79	a	a	DET
cblr-9983	1686	80	functionally	functionally	ADV
cblr-9983	1686	81	regulated	regulated	ADJ
cblr-9983	1686	82	subsidiary	subsidiary	NOUN
cblr-9983	1686	83	of	of	ADP
cblr-9983	1686	84	a	a	DET
cblr-9983	1686	85	bank	bank	NOUN
cblr-9983	1686	86	holding	hold	VERB
cblr-9983	1686	87	company	company	NOUN
cblr-9983	1686	88	unless	unless	SCONJ
cblr-9983	1686	89	that	that	DET
cblr-9983	1686	90	action	action	NOUN
cblr-9983	1686	91	was	be	AUX
cblr-9983	1686	92	necessary	necessary	ADJ
cblr-9983	1686	93	to	to	PART
cblr-9983	1686	94	protect	protect	VERB
cblr-9983	1686	95	the	the	DET
cblr-9983	1686	96	depository	depository	NOUN
cblr-9983	1686	97	institution	institution	NOUN
cblr-9983	1686	98	.	.	PUNCT
cblr-9983	1687	1	i	i	PRON
cblr-9983	1687	2	d.	d.	VERB
cblr-9983	1687	3	this	this	DET
cblr-9983	1687	4	ill	ill	ADV
cblr-9983	1687	5	-	-	PUNCT
cblr-9983	1687	6	advised	advise	VERB
cblr-9983	1687	7	provision	provision	NOUN
cblr-9983	1687	8	was	be	AUX
cblr-9983	1687	9	repealed	repeal	VERB
cblr-9983	1687	10	by	by	ADP
cblr-9983	1687	11	the	the	DET
cblr-9983	1687	12	dodd	dodd	PROPN
cblr-9983	1687	13	-	-	PUNCT
cblr-9983	1687	14	frank	frank	PROPN
cblr-9983	1687	15	act	act	PROPN
cblr-9983	1687	16	,	,	PUNCT
cblr-9983	1687	17	pub	pub	NOUN
cblr-9983	1687	18	.	.	PUNCT
cblr-9983	1688	1	l.	l.	PROPN
cblr-9983	1688	2	no	no	INTJ
cblr-9983	1688	3	.	.	PROPN
cblr-9983	1688	4	111	111	NUM
cblr-9983	1688	5	-	-	SYM
cblr-9983	1688	6	203	203	NUM
cblr-9983	1688	7	,	,	PUNCT
cblr-9983	1688	8	§	§	NOUN
cblr-9983	1688	9	 	 	SPACE
cblr-9983	1688	10	604(c)(2	604(c)(2	NOUN
cblr-9983	1688	11	)	)	PUNCT
cblr-9983	1688	12	,	,	PUNCT
cblr-9983	1688	13	124	124	NUM
cblr-9983	1688	14	stat	stat	NOUN
cblr-9983	1688	15	.	.	PUNCT
cblr-9983	1689	1	1376	1376	NUM
cblr-9983	1689	2	,	,	PUNCT
cblr-9983	1689	3	1601	1601	NUM
cblr-9983	1689	4	(	(	PUNCT
cblr-9983	1689	5	2010	2010	NUM
cblr-9983	1689	6	)	)	PUNCT
cblr-9983	1689	7	,	,	PUNCT
cblr-9983	1689	8	which	which	PRON
cblr-9983	1689	9	provided	provide	VERB
cblr-9983	1689	10	for	for	ADP
cblr-9983	1689	11	much	much	ADV
cblr-9983	1689	12	broader	broad	ADJ
cblr-9983	1689	13	federal	federal	ADJ
cblr-9983	1689	14	reserve	reserve	NOUN
cblr-9983	1689	15	oversight	oversight	NOUN
cblr-9983	1689	16	of	of	ADP
cblr-9983	1689	17	the	the	DET
cblr-9983	1689	18	non	non	ADJ
cblr-9983	1689	19	-	-	ADJ
cblr-9983	1689	20	banking	banking	ADJ
cblr-9983	1689	21	affiliates	affiliate	NOUN
cblr-9983	1689	22	in	in	ADP
cblr-9983	1689	23	bank	bank	NOUN
cblr-9983	1689	24	holding	hold	VERB
cblr-9983	1689	25	companies	company	NOUN
cblr-9983	1689	26	.	.	PUNCT
cblr-9983	1690	1	374	374	NUM
cblr-9983	1690	2	columbia	columbia	PROPN
cblr-9983	1690	3	business	business	NOUN
cblr-9983	1690	4	law	law	PROPN
cblr-9983	1690	5	review	review	NOUN
cblr-9983	1690	6	[	[	X
cblr-9983	1690	7	vol	vol	NOUN
cblr-9983	1690	8	.	.	PUNCT
cblr-9983	1690	9	2022	2022	NUM
cblr-9983	1690	10	factors.268	factors.268	VERB
cblr-9983	1690	11	the	the	DET
cblr-9983	1690	12	evaluation	evaluation	NOUN
cblr-9983	1690	13	of	of	ADP
cblr-9983	1690	14	some	some	PRON
cblr-9983	1690	15	of	of	ADP
cblr-9983	1690	16	these	these	DET
cblr-9983	1690	17	factors	factor	NOUN
cblr-9983	1690	18	will	will	AUX
cblr-9983	1690	19	be	be	AUX
cblr-9983	1690	20	informed	inform	VERB
cblr-9983	1690	21	by	by	ADP
cblr-9983	1690	22	supervisory	supervisory	ADJ
cblr-9983	1690	23	familiarity	familiarity	NOUN
cblr-9983	1690	24	,	,	PUNCT
cblr-9983	1690	25	such	such	ADJ
cblr-9983	1690	26	as	as	ADP
cblr-9983	1690	27	the	the	DET
cblr-9983	1690	28	“	"	PUNCT
cblr-9983	1690	29	risk	risk	NOUN
cblr-9983	1690	30	presented	present	VERB
cblr-9983	1690	31	by	by	ADP
cblr-9983	1690	32	such	such	ADJ
cblr-9983	1690	33	depository	depository	ADJ
cblr-9983	1690	34	institution	institution	NOUN
cblr-9983	1690	35	to	to	ADP
cblr-9983	1690	36	the	the	DET
cblr-9983	1690	37	deposit	deposit	NOUN
cblr-9983	1690	38	insurance	insurance	NOUN
cblr-9983	1690	39	fund“269	fund“269	PROPN
cblr-9983	1690	40	and	and	CCONJ
cblr-9983	1690	41	the	the	DET
cblr-9983	1690	42	potential	potential	NOUN
cblr-9983	1690	43	for	for	ADP
cblr-9983	1690	44	“	"	PUNCT
cblr-9983	1690	45	unsound	unsound	ADJ
cblr-9983	1690	46	banking	banking	NOUN
cblr-9983	1690	47	practices	practice	NOUN
cblr-9983	1690	48	”	"	PUNCT
cblr-9983	1690	49	if	if	SCONJ
cblr-9983	1690	50	approval	approval	NOUN
cblr-9983	1690	51	were	be	AUX
cblr-9983	1690	52	granted.270	granted.270	INTJ
cblr-9983	1690	53	some	some	DET
cblr-9983	1690	54	statutes	statute	NOUN
cblr-9983	1690	55	call	call	VERB
cblr-9983	1690	56	explicitly	explicitly	ADV
cblr-9983	1690	57	for	for	ADP
cblr-9983	1690	58	recognizably	recognizably	ADV
cblr-9983	1690	59	supervisory	supervisory	ADJ
cblr-9983	1690	60	judgments	judgment	NOUN
cblr-9983	1690	61	of	of	ADP
cblr-9983	1690	62	managerial	managerial	ADJ
cblr-9983	1690	63	competence	competence	NOUN
cblr-9983	1690	64	.	.	PUNCT
cblr-9983	1691	1	for	for	ADP
cblr-9983	1691	2	example	example	NOUN
cblr-9983	1691	3	,	,	PUNCT
cblr-9983	1691	4	in	in	ADP
cblr-9983	1691	5	deciding	decide	VERB
cblr-9983	1691	6	whether	whether	SCONJ
cblr-9983	1691	7	to	to	PART
cblr-9983	1691	8	approve	approve	VERB
cblr-9983	1691	9	a	a	DET
cblr-9983	1691	10	bank	bank	NOUN
cblr-9983	1691	11	holding	hold	VERB
cblr-9983	1691	12	company	company	NOUN
cblr-9983	1691	13	’s	’s	PART
cblr-9983	1691	14	acquisition	acquisition	NOUN
cblr-9983	1691	15	of	of	ADP
cblr-9983	1691	16	a	a	DET
cblr-9983	1691	17	bank	bank	NOUN
cblr-9983	1691	18	,	,	PUNCT
cblr-9983	1691	19	the	the	DET
cblr-9983	1691	20	board	board	NOUN
cblr-9983	1691	21	of	of	ADP
cblr-9983	1691	22	governors	governor	NOUN
cblr-9983	1691	23	is	be	AUX
cblr-9983	1691	24	instructed	instruct	VERB
cblr-9983	1691	25	to	to	PART
cblr-9983	1691	26	consider	consider	VERB
cblr-9983	1691	27	seven	seven	NUM
cblr-9983	1691	28	categories	category	NOUN
cblr-9983	1691	29	of	of	ADP
cblr-9983	1691	30	factors,271	factors,271	NOUN
cblr-9983	1691	31	including	include	VERB
cblr-9983	1691	32	“	"	PUNCT
cblr-9983	1691	33	[	[	X
cblr-9983	1691	34	i]n	i]n	NOUN
cblr-9983	1691	35	every	every	DET
cblr-9983	1691	36	case	case	NOUN
cblr-9983	1691	37	.	.	PUNCT
cblr-9983	1691	38	.	.	PUNCT
cblr-9983	1691	39	.	.	PUNCT
cblr-9983	1692	1	the	the	DET
cblr-9983	1692	2	financial	financial	ADJ
cblr-9983	1692	3	and	and	CCONJ
cblr-9983	1692	4	managerial	managerial	ADJ
cblr-9983	1692	5	resources	resource	NOUN
cblr-9983	1692	6	and	and	CCONJ
cblr-9983	1692	7	future	future	ADJ
cblr-9983	1692	8	prospects	prospect	NOUN
cblr-9983	1692	9	of	of	ADP
cblr-9983	1692	10	the	the	DET
cblr-9983	1692	11	company	company	NOUN
cblr-9983	1692	12	or	or	CCONJ
cblr-9983	1692	13	companies	company	NOUN
cblr-9983	1692	14	and	and	CCONJ
cblr-9983	1692	15	the	the	DET
cblr-9983	1692	16	banks	bank	NOUN
cblr-9983	1692	17	concerned,”272	concerned,”272	VERB
cblr-9983	1692	18	which	which	PRON
cblr-9983	1692	19	is	be	AUX
cblr-9983	1692	20	further	far	ADV
cblr-9983	1692	21	explained	explain	VERB
cblr-9983	1692	22	as	as	ADP
cblr-9983	1692	23	including	include	VERB
cblr-9983	1692	24	“	"	PUNCT
cblr-9983	1692	25	consideration	consideration	NOUN
cblr-9983	1692	26	of	of	ADP
cblr-9983	1692	27	the	the	DET
cblr-9983	1692	28	competence	competence	NOUN
cblr-9983	1692	29	,	,	PUNCT
cblr-9983	1692	30	experience	experience	NOUN
cblr-9983	1692	31	,	,	PUNCT
cblr-9983	1692	32	and	and	CCONJ
cblr-9983	1692	33	integrity	integrity	NOUN
cblr-9983	1692	34	of	of	ADP
cblr-9983	1692	35	the	the	DET
cblr-9983	1692	36	officers	officer	NOUN
cblr-9983	1692	37	,	,	PUNCT
cblr-9983	1692	38	directors	director	NOUN
cblr-9983	1692	39	,	,	PUNCT
cblr-9983	1692	40	and	and	CCONJ
cblr-9983	1692	41	principal	principal	ADJ
cblr-9983	1692	42	shareholders	shareholder	NOUN
cblr-9983	1692	43	of	of	ADP
cblr-9983	1692	44	the	the	DET
cblr-9983	1692	45	company	company	NOUN
cblr-9983	1692	46	or	or	CCONJ
cblr-9983	1692	47	bank	bank	NOUN
cblr-9983	1692	48	.	.	PUNCT
cblr-9983	1693	1	“273	“273	VERB
cblr-9983	1693	2	in	in	ADP
cblr-9983	1693	3	deciding	decide	VERB
cblr-9983	1693	4	whether	whether	SCONJ
cblr-9983	1693	5	to	to	PART
cblr-9983	1693	6	approve	approve	VERB
cblr-9983	1693	7	a	a	DET
cblr-9983	1693	8	new	new	ADJ
cblr-9983	1693	9	branch	branch	NOUN
cblr-9983	1693	10	of	of	ADP
cblr-9983	1693	11	a	a	DET
cblr-9983	1693	12	bank	bank	NOUN
cblr-9983	1693	13	,	,	PUNCT
cblr-9983	1693	14	the	the	DET
cblr-9983	1693	15	fdic	fdic	PROPN
cblr-9983	1693	16	is	be	AUX
cblr-9983	1693	17	instructed	instruct	VERB
cblr-9983	1693	18	to	to	PART
cblr-9983	1693	19	consider	consider	VERB
cblr-9983	1693	20	seven	seven	NUM
cblr-9983	1693	21	factors	factor	NOUN
cblr-9983	1693	22	,	,	PUNCT
cblr-9983	1693	23	including	include	VERB
cblr-9983	1693	24	“	"	PUNCT
cblr-9983	1693	25	[	[	X
cblr-9983	1693	26	t]he	t]he	ADV
cblr-9983	1693	27	general	general	ADJ
cblr-9983	1693	28	character	character	NOUN
cblr-9983	1693	29	and	and	CCONJ
cblr-9983	1693	30	fitness	fitness	NOUN
cblr-9983	1693	31	of	of	ADP
cblr-9983	1693	32	the	the	DET
cblr-9983	1693	33	management	management	NOUN
cblr-9983	1693	34	of	of	ADP
cblr-9983	1693	35	the	the	DET
cblr-9983	1693	36	depository	depository	NOUN
cblr-9983	1693	37	institution	institution	NOUN
cblr-9983	1693	38	.	.	PUNCT
cblr-9983	1694	1	”274	”274	ADV
cblr-9983	1694	2	the	the	DET
cblr-9983	1694	3	import	import	NOUN
cblr-9983	1694	4	of	of	ADP
cblr-9983	1694	5	these	these	DET
cblr-9983	1694	6	approval	approval	NOUN
cblr-9983	1694	7	processes	process	NOUN
cblr-9983	1694	8	is	be	AUX
cblr-9983	1694	9	twofold	twofold	ADJ
cblr-9983	1694	10	.	.	PUNCT
cblr-9983	1695	1	first	first	ADV
cblr-9983	1695	2	,	,	PUNCT
cblr-9983	1695	3	as	as	SCONJ
cblr-9983	1695	4	already	already	ADV
cblr-9983	1695	5	suggested	suggest	VERB
cblr-9983	1695	6	,	,	PUNCT
cblr-9983	1695	7	approval	approval	NOUN
cblr-9983	1695	8	of	of	ADP
cblr-9983	1695	9	applications	application	NOUN
cblr-9983	1695	10	will	will	AUX
cblr-9983	1695	11	depend	depend	VERB
cblr-9983	1695	12	in	in	ADP
cblr-9983	1695	13	no	no	DET
cblr-9983	1695	14	small	small	ADJ
cblr-9983	1695	15	part	part	NOUN
cblr-9983	1695	16	on	on	ADP
cblr-9983	1695	17	judgments	judgment	NOUN
cblr-9983	1695	18	as	as	ADP
cblr-9983	1695	19	to	to	ADP
cblr-9983	1695	20	the	the	DET
cblr-9983	1695	21	condition	condition	NOUN
cblr-9983	1695	22	and	and	CCONJ
cblr-9983	1695	23	capabilities	capability	NOUN
cblr-9983	1695	24	of	of	ADP
cblr-9983	1695	25	banking	banking	NOUN
cblr-9983	1695	26	organizations	organization	NOUN
cblr-9983	1695	27	already	already	ADV
cblr-9983	1695	28	subject	subject	VERB
cblr-9983	1695	29	to	to	ADP
cblr-9983	1695	30	supervision	supervision	NOUN
cblr-9983	1695	31	.	.	PUNCT
cblr-9983	1696	1	it	it	PRON
cblr-9983	1696	2	is	be	AUX
cblr-9983	1696	3	hard	hard	ADJ
cblr-9983	1696	4	to	to	PART
cblr-9983	1696	5	see	see	VERB
cblr-9983	1696	6	how	how	SCONJ
cblr-9983	1696	7	they	they	PRON
cblr-9983	1696	8	could	could	AUX
cblr-9983	1696	9	not	not	PART
cblr-9983	1696	10	be	be	AUX
cblr-9983	1696	11	.	.	PUNCT
cblr-9983	1697	1	the	the	DET
cblr-9983	1697	2	staff	staff	NOUN
cblr-9983	1697	3	analysis	analysis	NOUN
cblr-9983	1697	4	presented	present	VERB
cblr-9983	1697	5	to	to	ADP
cblr-9983	1697	6	agency	agency	NOUN
cblr-9983	1697	7	principals	principal	NOUN
cblr-9983	1697	8	of	of	ADP
cblr-9983	1697	9	,	,	PUNCT
cblr-9983	1697	10	say	say	INTJ
cblr-9983	1697	11	,	,	PUNCT
cblr-9983	1697	12	a	a	DET
cblr-9983	1697	13	proposed	propose	VERB
cblr-9983	1697	14	acquisition	acquisition	NOUN
cblr-9983	1697	15	will	will	AUX
cblr-9983	1697	16	268	268	NUM
cblr-9983	1697	17	see	see	VERB
cblr-9983	1697	18	,	,	PUNCT
cblr-9983	1697	19	e.g.	e.g.	ADV
cblr-9983	1697	20	,	,	PUNCT
cblr-9983	1697	21	12	12	NUM
cblr-9983	1697	22	u.s.c	u.s.c	NOUN
cblr-9983	1697	23	.	.	PUNCT
cblr-9983	1698	1	§	§	PROPN
cblr-9983	1698	2	1828(d)(1	1828(d)(1	NUM
cblr-9983	1698	3	)	)	PUNCT
cblr-9983	1698	4	(	(	PUNCT
cblr-9983	1698	5	2018	2018	NUM
cblr-9983	1698	6	)	)	PUNCT
cblr-9983	1698	7	(	(	PUNCT
cblr-9983	1698	8	approval	approval	NOUN
cblr-9983	1698	9	required	require	VERB
cblr-9983	1698	10	for	for	ADP
cblr-9983	1698	11	opening	open	VERB
cblr-9983	1698	12	a	a	DET
cblr-9983	1698	13	domestic	domestic	ADJ
cblr-9983	1698	14	branch	branch	NOUN
cblr-9983	1698	15	with	with	ADP
cblr-9983	1698	16	reference	reference	NOUN
cblr-9983	1698	17	to	to	ADP
cblr-9983	1698	18	a	a	DET
cblr-9983	1698	19	list	list	NOUN
cblr-9983	1698	20	of	of	ADP
cblr-9983	1698	21	factors	factor	NOUN
cblr-9983	1698	22	to	to	PART
cblr-9983	1698	23	consider	consider	VERB
cblr-9983	1698	24	in	in	ADP
cblr-9983	1698	25	12	12	NUM
cblr-9983	1698	26	u.s.c	u.s.c	NOUN
cblr-9983	1698	27	.	.	PUNCT
cblr-9983	1699	1	§	§	PROPN
cblr-9983	1699	2	1816	1816	NUM
cblr-9983	1699	3	)	)	PUNCT
cblr-9983	1700	1	;	;	PUNCT
cblr-9983	1700	2	i	i	PROPN
cblr-9983	1700	3	d.	d.	PROPN
cblr-9983	1700	4	§	§	PROPN
cblr-9983	1700	5	1842	1842	NUM
cblr-9983	1700	6	(	(	PUNCT
cblr-9983	1700	7	prior	prior	ADJ
cblr-9983	1700	8	approval	approval	NOUN
cblr-9983	1700	9	of	of	ADP
cblr-9983	1700	10	board	board	NOUN
cblr-9983	1700	11	of	of	ADP
cblr-9983	1700	12	governors	governor	NOUN
cblr-9983	1700	13	necessary	necessary	ADJ
cblr-9983	1700	14	for	for	ADP
cblr-9983	1700	15	banking	banking	NOUN
cblr-9983	1700	16	holding	hold	VERB
cblr-9983	1700	17	company	company	NOUN
cblr-9983	1700	18	acquisition	acquisition	NOUN
cblr-9983	1700	19	of	of	ADP
cblr-9983	1700	20	a	a	DET
cblr-9983	1700	21	bank	bank	NOUN
cblr-9983	1700	22	or	or	CCONJ
cblr-9983	1700	23	other	other	ADJ
cblr-9983	1700	24	holding	hold	VERB
cblr-9983	1700	25	company	company	NOUN
cblr-9983	1700	26	)	)	PUNCT
cblr-9983	1700	27	;	;	PUNCT
cblr-9983	1700	28	i	i	PROPN
cblr-9983	1700	29	d.	d.	PROPN
cblr-9983	1700	30	§	§	PROPN
cblr-9983	1700	31	1843(j	1843(j	PROPN
cblr-9983	1700	32	)	)	PUNCT
cblr-9983	1700	33	(	(	PUNCT
cblr-9983	1700	34	authority	authority	NOUN
cblr-9983	1700	35	of	of	ADP
cblr-9983	1700	36	board	board	NOUN
cblr-9983	1700	37	of	of	ADP
cblr-9983	1700	38	governors	governor	NOUN
cblr-9983	1700	39	to	to	PART
cblr-9983	1700	40	disapprove	disapprove	VERB
cblr-9983	1700	41	bank	bank	NOUN
cblr-9983	1700	42	holding	hold	VERB
cblr-9983	1700	43	company	company	NOUN
cblr-9983	1700	44	engaging	engage	VERB
cblr-9983	1700	45	in	in	ADP
cblr-9983	1700	46	non	non	ADJ
cblr-9983	1700	47	-	-	ADJ
cblr-9983	1700	48	banking	banking	ADJ
cblr-9983	1700	49	activities	activity	NOUN
cblr-9983	1700	50	)	)	PUNCT
cblr-9983	1700	51	.	.	PUNCT
cblr-9983	1701	1	269	269	NUM
cblr-9983	1702	1	i	i	PRON
cblr-9983	1702	2	d.	d.	PROPN
cblr-9983	1702	3	§	§	PROPN
cblr-9983	1702	4	1816(5	1816(5	PROPN
cblr-9983	1702	5	)	)	PUNCT
cblr-9983	1702	6	.	.	PUNCT
cblr-9983	1703	1	270	270	NUM
cblr-9983	1704	1	i	i	PRON
cblr-9983	1704	2	d.	d.	PROPN
cblr-9983	1704	3	§	§	PROPN
cblr-9983	1704	4	1843(j)(2)(a	1843(j)(2)(a	NUM
cblr-9983	1704	5	)	)	PUNCT
cblr-9983	1704	6	.	.	PUNCT
cblr-9983	1705	1	271	271	NUM
cblr-9983	1706	1	i	i	PRON
cblr-9983	1706	2	d.	d.	PROPN
cblr-9983	1706	3	§	§	PROPN
cblr-9983	1706	4	1842(c	1842(c	NUM
cblr-9983	1706	5	)	)	PUNCT
cblr-9983	1706	6	.	.	PUNCT
cblr-9983	1707	1	272	272	NUM
cblr-9983	1708	1	i	i	PRON
cblr-9983	1708	2	d.	d.	PROPN
cblr-9983	1708	3	§	§	PROPN
cblr-9983	1708	4	1842(c)(2	1842(c)(2	NOUN
cblr-9983	1708	5	)	)	PUNCT
cblr-9983	1708	6	.	.	PUNCT
cblr-9983	1709	1	273	273	NUM
cblr-9983	1709	2	12	12	NUM
cblr-9983	1709	3	u.s.c	u.s.c	NOUN
cblr-9983	1709	4	.	.	PUNCT
cblr-9983	1710	1	§	§	PROPN
cblr-9983	1710	2	1842(c)(5	1842(c)(5	NUM
cblr-9983	1710	3	)	)	PUNCT
cblr-9983	1710	4	.	.	PUNCT
cblr-9983	1711	1	274	274	NUM
cblr-9983	1711	2	i	i	PRON
cblr-9983	1711	3	d.	d.	PROPN
cblr-9983	1711	4	§	§	PROPN
cblr-9983	1711	5	1816(4	1816(4	NUM
cblr-9983	1711	6	)	)	PUNCT
cblr-9983	1711	7	.	.	PUNCT
cblr-9983	1712	1	see	see	VERB
cblr-9983	1712	2	i	i	PRON
cblr-9983	1712	3	d.	d.	PROPN
cblr-9983	1712	4	§	§	PROPN
cblr-9983	1712	5	1828(d)(1	1828(d)(1	NUM
cblr-9983	1712	6	)	)	PUNCT
cblr-9983	1712	7	(	(	PUNCT
cblr-9983	1712	8	referring	refer	VERB
cblr-9983	1712	9	to	to	ADP
cblr-9983	1712	10	the	the	DET
cblr-9983	1712	11	list	list	NOUN
cblr-9983	1712	12	of	of	ADP
cblr-9983	1712	13	factors	factor	NOUN
cblr-9983	1712	14	in	in	ADP
cblr-9983	1712	15	12	12	NUM
cblr-9983	1712	16	u.s.c	u.s.c	NOUN
cblr-9983	1712	17	.	.	PUNCT
cblr-9983	1713	1	§	§	PROPN
cblr-9983	1713	2	1816	1816	NUM
cblr-9983	1713	3	when	when	SCONJ
cblr-9983	1713	4	considering	consider	VERB
cblr-9983	1713	5	required	require	VERB
cblr-9983	1713	6	approval	approval	NOUN
cblr-9983	1713	7	for	for	ADP
cblr-9983	1713	8	opening	open	VERB
cblr-9983	1713	9	a	a	DET
cblr-9983	1713	10	domestic	domestic	ADJ
cblr-9983	1713	11	branch	branch	NOUN
cblr-9983	1713	12	)	)	PUNCT
cblr-9983	1713	13	.	.	PUNCT
cblr-9983	1714	1	no	no	INTJ
cblr-9983	1714	2	.	.	PUNCT
cblr-9983	1715	1	1:279	1:279	NOUN
cblr-9983	1715	2	]	]	X
cblr-9983	1715	3	bank	bank	NOUN
cblr-9983	1715	4	supervision	supervision	NOUN
cblr-9983	1715	5	and	and	CCONJ
cblr-9983	1715	6	administrative	administrative	ADJ
cblr-9983	1715	7	law	law	NOUN
cblr-9983	1715	8	375	375	NUM
cblr-9983	1715	9	necessarily	necessarily	ADV
cblr-9983	1715	10	reflect	reflect	VERB
cblr-9983	1715	11	the	the	DET
cblr-9983	1715	12	supervisors	supervisor	NOUN
cblr-9983	1715	13	’	'	PUNCT
cblr-9983	1715	14	assessment	assessment	NOUN
cblr-9983	1715	15	of	of	ADP
cblr-9983	1715	16	these	these	DET
cblr-9983	1715	17	factors	factor	NOUN
cblr-9983	1715	18	based	base	VERB
cblr-9983	1715	19	on	on	ADP
cblr-9983	1715	20	their	their	PRON
cblr-9983	1715	21	prior	prior	ADJ
cblr-9983	1715	22	experience	experience	NOUN
cblr-9983	1715	23	with	with	ADP
cblr-9983	1715	24	the	the	DET
cblr-9983	1715	25	bank	bank	NOUN
cblr-9983	1715	26	.	.	PUNCT
cblr-9983	1716	1	second	second	ADJ
cblr-9983	1716	2	,	,	PUNCT
cblr-9983	1716	3	with	with	ADP
cblr-9983	1716	4	banking	banking	NOUN
cblr-9983	1716	5	organizations	organization	NOUN
cblr-9983	1716	6	aware	aware	ADJ
cblr-9983	1716	7	that	that	SCONJ
cblr-9983	1716	8	these	these	DET
cblr-9983	1716	9	factors	factor	NOUN
cblr-9983	1716	10	will	will	AUX
cblr-9983	1716	11	be	be	AUX
cblr-9983	1716	12	assessed	assess	VERB
cblr-9983	1716	13	when	when	SCONJ
cblr-9983	1716	14	they	they	PRON
cblr-9983	1716	15	seek	seek	VERB
cblr-9983	1716	16	to	to	PART
cblr-9983	1716	17	expand	expand	VERB
cblr-9983	1716	18	or	or	CCONJ
cblr-9983	1716	19	otherwise	otherwise	ADV
cblr-9983	1716	20	alter	alter	VERB
cblr-9983	1716	21	their	their	PRON
cblr-9983	1716	22	operations	operation	NOUN
cblr-9983	1716	23	,	,	PUNCT
cblr-9983	1716	24	they	they	PRON
cblr-9983	1716	25	will	will	AUX
cblr-9983	1716	26	have	have	VERB
cblr-9983	1716	27	an	an	DET
cblr-9983	1716	28	incentive	incentive	NOUN
cblr-9983	1716	29	to	to	PART
cblr-9983	1716	30	satisfy	satisfy	VERB
cblr-9983	1716	31	significant	significant	ADJ
cblr-9983	1716	32	supervisory	supervisory	ADJ
cblr-9983	1716	33	concerns	concern	NOUN
cblr-9983	1716	34	prior	prior	ADV
cblr-9983	1716	35	to	to	ADP
cblr-9983	1716	36	filing	filing	NOUN
cblr-9983	1716	37	applications	application	NOUN
cblr-9983	1716	38	for	for	ADP
cblr-9983	1716	39	regulatory	regulatory	ADJ
cblr-9983	1716	40	approval.275	approval.275	NOUN
cblr-9983	1716	41	of	of	ADP
cblr-9983	1716	42	course	course	NOUN
cblr-9983	1716	43	,	,	PUNCT
cblr-9983	1716	44	disapproval	disapproval	NOUN
cblr-9983	1716	45	of	of	ADP
cblr-9983	1716	46	any	any	PRON
cblr-9983	1716	47	of	of	ADP
cblr-9983	1716	48	these	these	DET
cblr-9983	1716	49	applications	application	NOUN
cblr-9983	1716	50	is	be	AUX
cblr-9983	1716	51	surely	surely	ADV
cblr-9983	1716	52	a	a	DET
cblr-9983	1716	53	final	final	ADJ
cblr-9983	1716	54	agency	agency	NOUN
cblr-9983	1716	55	action	action	NOUN
cblr-9983	1716	56	for	for	ADP
cblr-9983	1716	57	which	which	PRON
cblr-9983	1716	58	judicial	judicial	ADJ
cblr-9983	1716	59	review	review	NOUN
cblr-9983	1716	60	would	would	AUX
cblr-9983	1716	61	be	be	AUX
cblr-9983	1716	62	available	available	ADJ
cblr-9983	1716	63	.	.	PUNCT
cblr-9983	1717	1	but	but	CCONJ
cblr-9983	1717	2	the	the	DET
cblr-9983	1717	3	prior	prior	ADJ
cblr-9983	1717	4	supervisory	supervisory	ADJ
cblr-9983	1717	5	assessments	assessment	NOUN
cblr-9983	1717	6	called	call	VERB
cblr-9983	1717	7	forth	forth	ADV
cblr-9983	1717	8	by	by	ADP
cblr-9983	1717	9	the	the	DET
cblr-9983	1717	10	applicable	applicable	ADJ
cblr-9983	1717	11	factors	factor	NOUN
cblr-9983	1717	12	will	will	AUX
cblr-9983	1717	13	have	have	AUX
cblr-9983	1717	14	substantially	substantially	ADV
cblr-9983	1717	15	affected	affect	VERB
cblr-9983	1717	16	an	an	DET
cblr-9983	1717	17	agency	agency	NOUN
cblr-9983	1717	18	’s	’s	PART
cblr-9983	1717	19	evaluation	evaluation	NOUN
cblr-9983	1717	20	of	of	ADP
cblr-9983	1717	21	the	the	DET
cblr-9983	1717	22	application	application	NOUN
cblr-9983	1717	23	.	.	PUNCT
cblr-9983	1718	1	the	the	DET
cblr-9983	1718	2	preceding	precede	VERB
cblr-9983	1718	3	recap	recap	NOUN
cblr-9983	1718	4	helps	help	VERB
cblr-9983	1718	5	explain	explain	VERB
cblr-9983	1718	6	the	the	DET
cblr-9983	1718	7	incongruity	incongruity	NOUN
cblr-9983	1718	8	between	between	ADP
cblr-9983	1718	9	contemporary	contemporary	ADJ
cblr-9983	1718	10	administrative	administrative	ADJ
cblr-9983	1718	11	law	law	PROPN
cblr-9983	1718	12	doctrine	doctrine	NOUN
cblr-9983	1718	13	and	and	CCONJ
cblr-9983	1718	14	the	the	DET
cblr-9983	1718	15	supervisory	supervisory	ADJ
cblr-9983	1718	16	function	function	NOUN
cblr-9983	1718	17	as	as	SCONJ
cblr-9983	1718	18	it	it	PRON
cblr-9983	1718	19	exists	exist	VERB
cblr-9983	1718	20	in	in	ADP
cblr-9983	1718	21	the	the	DET
cblr-9983	1718	22	statutory	statutory	ADJ
cblr-9983	1718	23	framework	framework	NOUN
cblr-9983	1718	24	for	for	ADP
cblr-9983	1718	25	banking	banking	NOUN
cblr-9983	1718	26	regulation	regulation	NOUN
cblr-9983	1718	27	.	.	PUNCT
cblr-9983	1719	1	the	the	DET
cblr-9983	1719	2	apa	apa	PROPN
cblr-9983	1719	3	was	be	AUX
cblr-9983	1719	4	drafted	draft	VERB
cblr-9983	1719	5	upon	upon	SCONJ
cblr-9983	1719	6	the	the	DET
cblr-9983	1719	7	apparent	apparent	ADJ
cblr-9983	1719	8	but	but	CCONJ
cblr-9983	1719	9	erroneous	erroneous	ADJ
cblr-9983	1719	10	presumption	presumption	NOUN
cblr-9983	1719	11	that	that	SCONJ
cblr-9983	1719	12	adjudication	adjudication	NOUN
cblr-9983	1719	13	would	would	AUX
cblr-9983	1719	14	remain	remain	VERB
cblr-9983	1719	15	the	the	DET
cblr-9983	1719	16	principal	principal	ADJ
cblr-9983	1719	17	interface	interface	NOUN
cblr-9983	1719	18	between	between	ADP
cblr-9983	1719	19	agencies	agency	NOUN
cblr-9983	1719	20	and	and	CCONJ
cblr-9983	1719	21	regulated	regulated	ADJ
cblr-9983	1719	22	entities	entity	NOUN
cblr-9983	1719	23	.	.	PUNCT
cblr-9983	1720	1	as	as	SCONJ
cblr-9983	1720	2	rulemaking	rulemake	VERB
cblr-9983	1720	3	expanded	expand	VERB
cblr-9983	1720	4	,	,	PUNCT
cblr-9983	1720	5	judicially	judicially	ADV
cblr-9983	1720	6	developed	develop	VERB
cblr-9983	1720	7	doctrines	doctrine	NOUN
cblr-9983	1720	8	around	around	ADP
cblr-9983	1720	9	rulemaking	rulemaking	NOUN
cblr-9983	1720	10	rested	rest	VERB
cblr-9983	1720	11	on	on	ADP
cblr-9983	1720	12	the	the	DET
cblr-9983	1720	13	apparent	apparent	ADJ
cblr-9983	1720	14	but	but	CCONJ
cblr-9983	1720	15	unrealistic	unrealistic	ADJ
cblr-9983	1720	16	presumption	presumption	NOUN
cblr-9983	1720	17	that	that	SCONJ
cblr-9983	1720	18	a	a	DET
cblr-9983	1720	19	more	more	ADV
cblr-9983	1720	20	or	or	CCONJ
cblr-9983	1720	21	less	less	ADV
cblr-9983	1720	22	fastidious	fastidious	ADJ
cblr-9983	1720	23	promulgation	promulgation	NOUN
cblr-9983	1720	24	of	of	ADP
cblr-9983	1720	25	,	,	PUNCT
cblr-9983	1720	26	and	and	CCONJ
cblr-9983	1720	27	compliance	compliance	NOUN
cblr-9983	1720	28	with	with	ADP
cblr-9983	1720	29	,	,	PUNCT
cblr-9983	1720	30	regulatory	regulatory	ADJ
cblr-9983	1720	31	rules	rule	NOUN
cblr-9983	1720	32	was	be	AUX
cblr-9983	1720	33	the	the	DET
cblr-9983	1720	34	best	good	ADJ
cblr-9983	1720	35	way	way	NOUN
cblr-9983	1720	36	to	to	PART
cblr-9983	1720	37	achieve	achieve	VERB
cblr-9983	1720	38	the	the	DET
cblr-9983	1720	39	public	public	ADJ
cblr-9983	1720	40	interest	interest	NOUN
cblr-9983	1720	41	in	in	ADP
cblr-9983	1720	42	regulation	regulation	NOUN
cblr-9983	1720	43	,	,	PUNCT
cblr-9983	1720	44	while	while	SCONJ
cblr-9983	1720	45	guarding	guard	VERB
cblr-9983	1720	46	against	against	ADP
cblr-9983	1720	47	arbitrary	arbitrary	ADJ
cblr-9983	1720	48	or	or	CCONJ
cblr-9983	1720	49	overreaching	overreach	VERB
cblr-9983	1720	50	administrative	administrative	ADJ
cblr-9983	1720	51	action	action	NOUN
cblr-9983	1720	52	.	.	PUNCT
cblr-9983	1721	1	as	as	ADP
cblr-9983	1721	2	with	with	ADP
cblr-9983	1721	3	the	the	DET
cblr-9983	1721	4	topic	topic	NOUN
cblr-9983	1721	5	of	of	ADP
cblr-9983	1721	6	guidance	guidance	NOUN
cblr-9983	1721	7	,	,	PUNCT
cblr-9983	1721	8	the	the	DET
cblr-9983	1721	9	disconnect	disconnect	NOUN
cblr-9983	1721	10	between	between	ADP
cblr-9983	1721	11	these	these	DET
cblr-9983	1721	12	and	and	CCONJ
cblr-9983	1721	13	other	other	ADJ
cblr-9983	1721	14	doctrines	doctrine	NOUN
cblr-9983	1721	15	on	on	ADP
cblr-9983	1721	16	the	the	DET
cblr-9983	1721	17	one	one	NUM
cblr-9983	1721	18	hand	hand	NOUN
cblr-9983	1721	19	,	,	PUNCT
cblr-9983	1721	20	and	and	CCONJ
cblr-9983	1721	21	the	the	DET
cblr-9983	1721	22	realities	reality	NOUN
cblr-9983	1721	23	of	of	ADP
cblr-9983	1721	24	administrative	administrative	ADJ
cblr-9983	1721	25	practice	practice	NOUN
cblr-9983	1721	26	on	on	ADP
cblr-9983	1721	27	the	the	DET
cblr-9983	1721	28	other	other	ADJ
cblr-9983	1721	29	,	,	PUNCT
cblr-9983	1721	30	is	be	AUX
cblr-9983	1721	31	by	by	ADP
cblr-9983	1721	32	no	no	DET
cblr-9983	1721	33	means	mean	NOUN
cblr-9983	1721	34	limited	limit	VERB
cblr-9983	1721	35	to	to	ADP
cblr-9983	1721	36	bank	bank	NOUN
cblr-9983	1721	37	supervision	supervision	NOUN
cblr-9983	1721	38	.	.	PUNCT
cblr-9983	1722	1	others	other	NOUN
cblr-9983	1722	2	have	have	AUX
cblr-9983	1722	3	examined	examine	VERB
cblr-9983	1722	4	this	this	DET
cblr-9983	1722	5	problem	problem	NOUN
cblr-9983	1722	6	from	from	ADP
cblr-9983	1722	7	a	a	DET
cblr-9983	1722	8	broader	broad	ADJ
cblr-9983	1722	9	administrative	administrative	ADJ
cblr-9983	1722	10	law	law	NOUN
cblr-9983	1722	11	perspective.276	perspective.276	PROPN
cblr-9983	1722	12	again	again	ADV
cblr-9983	1722	13	,	,	PUNCT
cblr-9983	1722	14	though	though	ADV
cblr-9983	1722	15	,	,	PUNCT
cblr-9983	1722	16	the	the	DET
cblr-9983	1722	17	problem	problem	NOUN
cblr-9983	1722	18	seems	seem	VERB
cblr-9983	1722	19	particularly	particularly	ADV
cblr-9983	1722	20	275	275	NUM
cblr-9983	1722	21	for	for	ADP
cblr-9983	1722	22	an	an	DET
cblr-9983	1722	23	explanation	explanation	NOUN
cblr-9983	1722	24	of	of	ADP
cblr-9983	1722	25	this	this	DET
cblr-9983	1722	26	incentive	incentive	NOUN
cblr-9983	1722	27	across	across	ADP
cblr-9983	1722	28	a	a	DET
cblr-9983	1722	29	broader	broad	ADJ
cblr-9983	1722	30	range	range	NOUN
cblr-9983	1722	31	of	of	ADP
cblr-9983	1722	32	administrative	administrative	ADJ
cblr-9983	1722	33	areas	area	NOUN
cblr-9983	1722	34	,	,	PUNCT
cblr-9983	1722	35	see	see	VERB
cblr-9983	1722	36	parrillo	parrillo	PROPN
cblr-9983	1722	37	,	,	PUNCT
cblr-9983	1722	38	supra	supra	PROPN
cblr-9983	1722	39	note	note	NOUN
cblr-9983	1722	40	225	225	NUM
cblr-9983	1722	41	,	,	PUNCT
cblr-9983	1722	42	at	at	ADP
cblr-9983	1722	43	192–94	192–94	NUM
cblr-9983	1722	44	.	.	PUNCT
cblr-9983	1722	45	276	276	NUM
cblr-9983	1722	46	for	for	ADP
cblr-9983	1722	47	two	two	NUM
cblr-9983	1722	48	recent	recent	ADJ
cblr-9983	1722	49	assessments	assessment	NOUN
cblr-9983	1722	50	that	that	PRON
cblr-9983	1722	51	adopt	adopt	VERB
cblr-9983	1722	52	very	very	ADV
cblr-9983	1722	53	different	different	ADJ
cblr-9983	1722	54	perspectives	perspective	NOUN
cblr-9983	1722	55	but	but	CCONJ
cblr-9983	1722	56	share	share	VERB
cblr-9983	1722	57	the	the	DET
cblr-9983	1722	58	premise	premise	NOUN
cblr-9983	1722	59	that	that	SCONJ
cblr-9983	1722	60	judicial	judicial	ADJ
cblr-9983	1722	61	review	review	NOUN
cblr-9983	1722	62	and	and	CCONJ
cblr-9983	1722	63	associated	associated	ADJ
cblr-9983	1722	64	administrative	administrative	ADJ
cblr-9983	1722	65	law	law	NOUN
cblr-9983	1722	66	doctrines	doctrine	NOUN
cblr-9983	1722	67	misperceive	misperceive	VERB
cblr-9983	1722	68	how	how	SCONJ
cblr-9983	1722	69	agencies	agency	NOUN
cblr-9983	1722	70	are	be	AUX
cblr-9983	1722	71	structured	structure	VERB
cblr-9983	1722	72	and	and	CCONJ
cblr-9983	1722	73	function	function	NOUN
cblr-9983	1722	74	,	,	PUNCT
cblr-9983	1722	75	see	see	VERB
cblr-9983	1722	76	jennifer	jennifer	PROPN
cblr-9983	1722	77	nou	nou	PROPN
cblr-9983	1722	78	,	,	PUNCT
cblr-9983	1722	79	subdelegating	subdelegate	VERB
cblr-9983	1722	80	powers	power	NOUN
cblr-9983	1722	81	,	,	PUNCT
cblr-9983	1722	82	117	117	NUM
cblr-9983	1722	83	colum	colum	NOUN
cblr-9983	1722	84	.	.	PUNCT
cblr-9983	1723	1	l.	l.	PROPN
cblr-9983	1723	2	rev	rev	PROPN
cblr-9983	1723	3	.	.	PROPN
cblr-9983	1723	4	473	473	NUM
cblr-9983	1723	5	(	(	PUNCT
cblr-9983	1723	6	2017	2017	NUM
cblr-9983	1723	7	)	)	PUNCT
cblr-9983	1723	8	;	;	PUNCT
cblr-9983	1723	9	william	william	PROPN
cblr-9983	1723	10	h.	h.	PROPN
cblr-9983	1723	11	simon	simon	PROPN
cblr-9983	1723	12	,	,	PUNCT
cblr-9983	1723	13	the	the	DET
cblr-9983	1723	14	organizational	organizational	ADJ
cblr-9983	1723	15	premises	premise	NOUN
cblr-9983	1723	16	of	of	ADP
cblr-9983	1723	17	administrative	administrative	ADJ
cblr-9983	1723	18	law	law	NOUN
cblr-9983	1723	19	,	,	PUNCT
cblr-9983	1723	20	78	78	NUM
cblr-9983	1723	21	law	law	NOUN
cblr-9983	1723	22	&	&	CCONJ
cblr-9983	1723	23	contemp	contemp	NOUN
cblr-9983	1723	24	.	.	PUNCT
cblr-9983	1724	1	probs	prob	NOUN
cblr-9983	1724	2	.	.	PUNCT
cblr-9983	1725	1	61	61	NUM
cblr-9983	1725	2	(	(	PUNCT
cblr-9983	1725	3	2015	2015	NUM
cblr-9983	1725	4	)	)	PUNCT
cblr-9983	1725	5	.	.	PUNCT
cblr-9983	1726	1	a	a	DET
cblr-9983	1726	2	less	less	ADV
cblr-9983	1726	3	recent	recent	ADJ
cblr-9983	1726	4	treatment	treatment	NOUN
cblr-9983	1726	5	that	that	PRON
cblr-9983	1726	6	identifies	identify	VERB
cblr-9983	1726	7	the	the	DET
cblr-9983	1726	8	growth	growth	NOUN
cblr-9983	1726	9	of	of	ADP
cblr-9983	1726	10	guidance	guidance	NOUN
cblr-9983	1726	11	and	and	CCONJ
cblr-9983	1726	12	other	other	ADJ
cblr-9983	1726	13	informal	informal	ADJ
cblr-9983	1726	14	means	mean	NOUN
cblr-9983	1726	15	of	of	ADP
cblr-9983	1726	16	administrative	administrative	ADJ
cblr-9983	1726	17	regulation	regulation	NOUN
cblr-9983	1726	18	as	as	ADP
cblr-9983	1726	19	related	relate	VERB
cblr-9983	1726	20	to	to	ADP
cblr-9983	1726	21	areas	area	NOUN
cblr-9983	1726	22	of	of	ADP
cblr-9983	1726	23	regulation	regulation	NOUN
cblr-9983	1726	24	that	that	PRON
cblr-9983	1726	25	entail	entail	VERB
cblr-9983	1726	26	repeated	repeat	VERB
cblr-9983	1726	27	interactions	interaction	NOUN
cblr-9983	1727	1	376	376	NUM
cblr-9983	1727	2	columbia	columbia	PROPN
cblr-9983	1727	3	business	business	NOUN
cblr-9983	1727	4	law	law	PROPN
cblr-9983	1727	5	review	review	NOUN
cblr-9983	1727	6	[	[	X
cblr-9983	1727	7	vol	vol	NOUN
cblr-9983	1727	8	.	.	PUNCT
cblr-9983	1727	9	2022	2022	NUM
cblr-9983	1727	10	acute	acute	NOUN
cblr-9983	1727	11	in	in	ADP
cblr-9983	1727	12	the	the	DET
cblr-9983	1727	13	area	area	NOUN
cblr-9983	1727	14	of	of	ADP
cblr-9983	1727	15	bank	bank	PROPN
cblr-9983	1727	16	supervision	supervision	NOUN
cblr-9983	1727	17	,	,	PUNCT
cblr-9983	1727	18	with	with	ADP
cblr-9983	1727	19	its	its	PRON
cblr-9983	1727	20	long	long	ADJ
cblr-9983	1727	21	history	history	NOUN
cblr-9983	1727	22	and	and	CCONJ
cblr-9983	1727	23	statutory	statutory	ADJ
cblr-9983	1727	24	foundations	foundation	NOUN
cblr-9983	1727	25	.	.	PUNCT
cblr-9983	1728	1	b.	b.	PROPN
cblr-9983	1728	2	toward	toward	ADP
cblr-9983	1728	3	greater	great	ADJ
cblr-9983	1728	4	congruence	congruence	NOUN
cblr-9983	1728	5	of	of	ADP
cblr-9983	1728	6	supervision	supervision	NOUN
cblr-9983	1728	7	and	and	CCONJ
cblr-9983	1728	8	administrative	administrative	ADJ
cblr-9983	1728	9	law	law	NOUN
cblr-9983	1728	10	so	so	ADV
cblr-9983	1728	11	long	long	ADV
cblr-9983	1728	12	as	as	SCONJ
cblr-9983	1728	13	there	there	PRON
cblr-9983	1728	14	are	be	VERB
cblr-9983	1728	15	few	few	ADJ
cblr-9983	1728	16	legal	legal	ADJ
cblr-9983	1728	17	challenges	challenge	NOUN
cblr-9983	1728	18	to	to	ADP
cblr-9983	1728	19	agency	agency	NOUN
cblr-9983	1728	20	actions	action	NOUN
cblr-9983	1728	21	,	,	PUNCT
cblr-9983	1728	22	there	there	PRON
cblr-9983	1728	23	will	will	AUX
cblr-9983	1728	24	be	be	AUX
cblr-9983	1728	25	little	little	ADJ
cblr-9983	1728	26	impetus	impetus	NOUN
cblr-9983	1728	27	for	for	ADP
cblr-9983	1728	28	achieving	achieve	VERB
cblr-9983	1728	29	greater	great	ADJ
cblr-9983	1728	30	congruence	congruence	NOUN
cblr-9983	1728	31	between	between	ADP
cblr-9983	1728	32	generally	generally	ADV
cblr-9983	1728	33	applicable	applicable	ADJ
cblr-9983	1728	34	administrative	administrative	ADJ
cblr-9983	1728	35	law	law	NOUN
cblr-9983	1728	36	doctrine	doctrine	NOUN
cblr-9983	1728	37	and	and	CCONJ
cblr-9983	1728	38	the	the	DET
cblr-9983	1728	39	supervisory	supervisory	ADJ
cblr-9983	1728	40	function	function	NOUN
cblr-9983	1728	41	.	.	PUNCT
cblr-9983	1729	1	however	however	ADV
cblr-9983	1729	2	,	,	PUNCT
cblr-9983	1729	3	as	as	SCONJ
cblr-9983	1729	4	president	president	PROPN
cblr-9983	1729	5	biden	biden	PROPN
cblr-9983	1729	6	replaces	replace	VERB
cblr-9983	1729	7	the	the	DET
cblr-9983	1729	8	leadership	leadership	NOUN
cblr-9983	1729	9	of	of	ADP
cblr-9983	1729	10	the	the	DET
cblr-9983	1729	11	banking	banking	NOUN
cblr-9983	1729	12	agencies	agency	NOUN
cblr-9983	1729	13	appointed	appoint	VERB
cblr-9983	1729	14	by	by	ADP
cblr-9983	1729	15	president	president	PROPN
cblr-9983	1729	16	trump	trump	PROPN
cblr-9983	1729	17	,	,	PUNCT
cblr-9983	1729	18	both	both	CCONJ
cblr-9983	1729	19	the	the	DET
cblr-9983	1729	20	regulatory	regulatory	ADJ
cblr-9983	1729	21	and	and	CCONJ
cblr-9983	1729	22	supervisory	supervisory	ADJ
cblr-9983	1729	23	agendas	agenda	NOUN
cblr-9983	1729	24	are	be	AUX
cblr-9983	1729	25	likely	likely	ADJ
cblr-9983	1729	26	to	to	PART
cblr-9983	1729	27	shift	shift	VERB
cblr-9983	1729	28	from	from	ADP
cblr-9983	1729	29	a	a	DET
cblr-9983	1729	30	direction	direction	NOUN
cblr-9983	1729	31	of	of	ADP
cblr-9983	1729	32	moderate	moderate	ADJ
cblr-9983	1729	33	deregulation	deregulation	NOUN
cblr-9983	1729	34	to	to	ADP
cblr-9983	1729	35	one	one	NUM
cblr-9983	1729	36	of	of	ADP
cblr-9983	1729	37	more	more	ADV
cblr-9983	1729	38	rigorous	rigorous	ADJ
cblr-9983	1729	39	oversight	oversight	NOUN
cblr-9983	1729	40	.	.	PUNCT
cblr-9983	1730	1	this	this	DET
cblr-9983	1730	2	change	change	NOUN
cblr-9983	1730	3	may	may	AUX
cblr-9983	1730	4	produce	produce	VERB
cblr-9983	1730	5	the	the	DET
cblr-9983	1730	6	bank	bank	NOUN
cblr-9983	1730	7	-	-	PUNCT
cblr-9983	1730	8	initiated	initiate	VERB
cblr-9983	1730	9	litigation	litigation	NOUN
cblr-9983	1730	10	that	that	PRON
cblr-9983	1730	11	was	be	AUX
cblr-9983	1730	12	rumored	rumor	VERB
cblr-9983	1730	13	to	to	PART
cblr-9983	1730	14	be	be	AUX
cblr-9983	1730	15	under	under	ADP
cblr-9983	1730	16	consideration	consideration	NOUN
cblr-9983	1730	17	prior	prior	ADV
cblr-9983	1730	18	to	to	ADP
cblr-9983	1730	19	the	the	DET
cblr-9983	1730	20	2016	2016	NUM
cblr-9983	1730	21	presidential	presidential	ADJ
cblr-9983	1730	22	election	election	NOUN
cblr-9983	1730	23	.	.	PUNCT
cblr-9983	1731	1	in	in	ADP
cblr-9983	1731	2	that	that	DET
cblr-9983	1731	3	event	event	NOUN
cblr-9983	1731	4	,	,	PUNCT
cblr-9983	1731	5	courts	court	NOUN
cblr-9983	1731	6	may	may	AUX
cblr-9983	1731	7	need	need	VERB
cblr-9983	1731	8	to	to	PART
cblr-9983	1731	9	confront	confront	VERB
cblr-9983	1731	10	head	head	NOUN
cblr-9983	1731	11	-	-	PUNCT
cblr-9983	1731	12	on	on	ADP
cblr-9983	1731	13	the	the	DET
cblr-9983	1731	14	administrative	administrative	ADJ
cblr-9983	1731	15	law	law	NOUN
cblr-9983	1731	16	issues	issue	NOUN
cblr-9983	1731	17	discussed	discuss	VERB
cblr-9983	1731	18	in	in	ADP
cblr-9983	1731	19	part	part	NOUN
cblr-9983	1731	20	iii	iii	NOUN
cblr-9983	1731	21	.	.	PUNCT
cblr-9983	1732	1	the	the	DET
cblr-9983	1732	2	failure	failure	NOUN
cblr-9983	1732	3	of	of	ADP
cblr-9983	1732	4	doctrine	doctrine	NOUN
cblr-9983	1732	5	to	to	PART
cblr-9983	1732	6	take	take	VERB
cblr-9983	1732	7	account	account	NOUN
cblr-9983	1732	8	of	of	ADP
cblr-9983	1732	9	the	the	DET
cblr-9983	1732	10	iterative	iterative	NOUN
cblr-9983	1732	11	relationship	relationship	NOUN
cblr-9983	1732	12	between	between	ADP
cblr-9983	1732	13	banking	banking	NOUN
cblr-9983	1732	14	agency	agency	NOUN
cblr-9983	1732	15	officials	official	NOUN
cblr-9983	1732	16	and	and	CCONJ
cblr-9983	1732	17	banks	bank	NOUN
cblr-9983	1732	18	that	that	PRON
cblr-9983	1732	19	characterizes	characterize	VERB
cblr-9983	1732	20	the	the	DET
cblr-9983	1732	21	supervisory	supervisory	ADJ
cblr-9983	1732	22	function	function	NOUN
cblr-9983	1732	23	may	may	AUX
cblr-9983	1732	24	then	then	ADV
cblr-9983	1732	25	lead	lead	VERB
cblr-9983	1732	26	to	to	ADP
cblr-9983	1732	27	problematic	problematic	ADJ
cblr-9983	1732	28	decisions	decision	NOUN
cblr-9983	1732	29	that	that	PRON
cblr-9983	1732	30	confuse	confuse	VERB
cblr-9983	1732	31	,	,	PUNCT
cblr-9983	1732	32	rather	rather	ADV
cblr-9983	1732	33	than	than	ADP
cblr-9983	1732	34	clarify	clarify	VERB
cblr-9983	1732	35	,	,	PUNCT
cblr-9983	1732	36	the	the	DET
cblr-9983	1732	37	permissible	permissible	ADJ
cblr-9983	1732	38	roles	role	NOUN
cblr-9983	1732	39	of	of	ADP
cblr-9983	1732	40	supervision	supervision	NOUN
cblr-9983	1732	41	.	.	PUNCT
cblr-9983	1733	1	while	while	SCONJ
cblr-9983	1733	2	there	there	PRON
cblr-9983	1733	3	are	be	VERB
cblr-9983	1733	4	two	two	NUM
cblr-9983	1733	5	readily	readily	ADV
cblr-9983	1733	6	available	available	ADJ
cblr-9983	1733	7	doctrinal	doctrinal	ADJ
cblr-9983	1733	8	paths	path	NOUN
cblr-9983	1733	9	that	that	PRON
cblr-9983	1733	10	would	would	AUX
cblr-9983	1733	11	produce	produce	VERB
cblr-9983	1733	12	more	more	ADJ
cblr-9983	1733	13	clarity,277	clarity,277	PRON
cblr-9983	1733	14	neither	neither	PRON
cblr-9983	1733	15	would	would	AUX
cblr-9983	1733	16	reconcile	reconcile	VERB
cblr-9983	1733	17	the	the	DET
cblr-9983	1733	18	supervisory	supervisory	ADJ
cblr-9983	1733	19	function	function	NOUN
cblr-9983	1733	20	with	with	ADP
cblr-9983	1733	21	the	the	DET
cblr-9983	1733	22	norms	norm	NOUN
cblr-9983	1733	23	of	of	ADP
cblr-9983	1733	24	consistency	consistency	NOUN
cblr-9983	1733	25	,	,	PUNCT
cblr-9983	1733	26	fairness	fairness	NOUN
cblr-9983	1733	27	,	,	PUNCT
cblr-9983	1733	28	and	and	CCONJ
cblr-9983	1733	29	accountability	accountability	NOUN
cblr-9983	1733	30	that	that	PRON
cblr-9983	1733	31	motivate	motivate	VERB
cblr-9983	1733	32	the	the	DET
cblr-9983	1733	33	provisions	provision	NOUN
cblr-9983	1733	34	of	of	ADP
cblr-9983	1733	35	the	the	DET
cblr-9983	1733	36	apa	apa	PROPN
cblr-9983	1733	37	.	.	PUNCT
cblr-9983	1734	1	the	the	DET
cblr-9983	1734	2	route	route	NOUN
cblr-9983	1734	3	to	to	ADP
cblr-9983	1734	4	doing	do	VERB
cblr-9983	1734	5	so	so	ADV
cblr-9983	1734	6	may	may	AUX
cblr-9983	1734	7	instead	instead	ADV
cblr-9983	1734	8	require	require	VERB
cblr-9983	1734	9	a	a	DET
cblr-9983	1734	10	departure	departure	NOUN
cblr-9983	1734	11	from	from	ADP
cblr-9983	1734	12	the	the	DET
cblr-9983	1734	13	trans	trans	ADJ
cblr-9983	1734	14	-	-	ADJ
cblr-9983	1734	15	substantive	substantive	ADJ
cblr-9983	1734	16	tendencies	tendency	NOUN
cblr-9983	1734	17	of	of	ADP
cblr-9983	1734	18	contemporary	contemporary	ADJ
cblr-9983	1734	19	administrative	administrative	ADJ
cblr-9983	1734	20	law	law	NOUN
cblr-9983	1734	21	,	,	PUNCT
cblr-9983	1734	22	in	in	SCONJ
cblr-9983	1734	23	favor	favor	NOUN
cblr-9983	1734	24	of	of	ADP
cblr-9983	1734	25	one	one	NUM
cblr-9983	1734	26	that	that	PRON
cblr-9983	1734	27	integrates	integrate	VERB
cblr-9983	1734	28	the	the	DET
cblr-9983	1734	29	specifics	specific	NOUN
cblr-9983	1734	30	of	of	ADP
cblr-9983	1734	31	substantive	substantive	ADJ
cblr-9983	1734	32	agency	agency	NOUN
cblr-9983	1734	33	mandates	mandate	NOUN
cblr-9983	1734	34	with	with	ADP
cblr-9983	1734	35	procedural	procedural	ADJ
cblr-9983	1734	36	between	between	ADP
cblr-9983	1734	37	agencies	agency	NOUN
cblr-9983	1734	38	and	and	CCONJ
cblr-9983	1734	39	economic	economic	ADJ
cblr-9983	1734	40	actors	actor	NOUN
cblr-9983	1734	41	can	can	AUX
cblr-9983	1734	42	be	be	AUX
cblr-9983	1734	43	found	find	VERB
cblr-9983	1734	44	in	in	ADP
cblr-9983	1734	45	todd	todd	PROPN
cblr-9983	1734	46	d.	d.	PROPN
cblr-9983	1734	47	rakoff	rakoff	PROPN
cblr-9983	1734	48	,	,	PUNCT
cblr-9983	1734	49	the	the	DET
cblr-9983	1734	50	choice	choice	NOUN
cblr-9983	1734	51	between	between	ADP
cblr-9983	1734	52	formal	formal	ADJ
cblr-9983	1734	53	and	and	CCONJ
cblr-9983	1734	54	informal	informal	ADJ
cblr-9983	1734	55	modes	mode	NOUN
cblr-9983	1734	56	of	of	ADP
cblr-9983	1734	57	administrative	administrative	ADJ
cblr-9983	1734	58	regulation	regulation	NOUN
cblr-9983	1734	59	,	,	PUNCT
cblr-9983	1734	60	52	52	NUM
cblr-9983	1734	61	admin	admin	ADJ
cblr-9983	1734	62	.	.	PUNCT
cblr-9983	1735	1	l.	l.	PROPN
cblr-9983	1735	2	rev	rev	PROPN
cblr-9983	1735	3	.	.	PROPN
cblr-9983	1735	4	159	159	NUM
cblr-9983	1735	5	(	(	PUNCT
cblr-9983	1735	6	2000	2000	NUM
cblr-9983	1735	7	)	)	PUNCT
cblr-9983	1735	8	.	.	PUNCT
cblr-9983	1736	1	277	277	NUM
cblr-9983	1736	2	the	the	DET
cblr-9983	1736	3	first	first	ADJ
cblr-9983	1736	4	doctrinal	doctrinal	ADJ
cblr-9983	1736	5	path	path	NOUN
cblr-9983	1736	6	is	be	AUX
cblr-9983	1736	7	laid	lay	VERB
cblr-9983	1736	8	out	out	ADP
cblr-9983	1736	9	in	in	ADP
cblr-9983	1736	10	baer	baer	PROPN
cblr-9983	1736	11	testimony	testimony	NOUN
cblr-9983	1736	12	,	,	PUNCT
cblr-9983	1736	13	supra	supra	PROPN
cblr-9983	1736	14	note	note	NOUN
cblr-9983	1736	15	14	14	NUM
cblr-9983	1736	16	,	,	PUNCT
cblr-9983	1736	17	at	at	ADP
cblr-9983	1736	18	35	35	NUM
cblr-9983	1736	19	.	.	PUNCT
cblr-9983	1737	1	the	the	DET
cblr-9983	1737	2	second	second	NOUN
cblr-9983	1737	3	has	have	AUX
cblr-9983	1737	4	been	be	AUX
cblr-9983	1737	5	explained	explain	VERB
cblr-9983	1737	6	and	and	CCONJ
cblr-9983	1737	7	advocated	advocate	VERB
cblr-9983	1737	8	for	for	ADP
cblr-9983	1737	9	by	by	ADP
cblr-9983	1737	10	professors	professor	NOUN
cblr-9983	1737	11	gersen	gersen	PROPN
cblr-9983	1737	12	,	,	PUNCT
cblr-9983	1737	13	manning	manning	NOUN
cblr-9983	1737	14	,	,	PUNCT
cblr-9983	1737	15	and	and	CCONJ
cblr-9983	1737	16	elliott	elliott	PROPN
cblr-9983	1737	17	.	.	PROPN
cblr-9983	1738	1	see	see	VERB
cblr-9983	1738	2	jacob	jacob	PROPN
cblr-9983	1738	3	e.	e.	PROPN
cblr-9983	1738	4	gersen	gersen	PROPN
cblr-9983	1738	5	,	,	PUNCT
cblr-9983	1738	6	legislative	legislative	ADJ
cblr-9983	1738	7	rules	rule	NOUN
cblr-9983	1738	8	revisited	revisit	VERB
cblr-9983	1738	9	,	,	PUNCT
cblr-9983	1738	10	74	74	NUM
cblr-9983	1738	11	u.	u.	NOUN
cblr-9983	1738	12	chi	chi	PROPN
cblr-9983	1738	13	.	.	PUNCT
cblr-9983	1739	1	l.	l.	PROPN
cblr-9983	1739	2	rev	rev	PROPN
cblr-9983	1739	3	.	.	PROPN
cblr-9983	1739	4	1705	1705	NUM
cblr-9983	1739	5	,	,	PUNCT
cblr-9983	1739	6	1712–13	1712–13	NUM
cblr-9983	1739	7	(	(	PUNCT
cblr-9983	1739	8	2007	2007	NUM
cblr-9983	1739	9	)	)	PUNCT
cblr-9983	1739	10	;	;	PUNCT
cblr-9983	1739	11	john	john	PROPN
cblr-9983	1739	12	f.	f.	PROPN
cblr-9983	1739	13	manning	manning	PROPN
cblr-9983	1739	14	,	,	PUNCT
cblr-9983	1739	15	nonlegislative	nonlegislative	ADJ
cblr-9983	1739	16	rules	rule	NOUN
cblr-9983	1739	17	,	,	PUNCT
cblr-9983	1739	18	72	72	NUM
cblr-9983	1739	19	geo	geo	PROPN
cblr-9983	1739	20	.	.	PROPN
cblr-9983	1739	21	wash	wash	PROPN
cblr-9983	1739	22	.	.	PUNCT
cblr-9983	1740	1	l.	l.	PROPN
cblr-9983	1740	2	rev	rev	PROPN
cblr-9983	1740	3	.	.	PROPN
cblr-9983	1740	4	893	893	NUM
cblr-9983	1740	5	,	,	PUNCT
cblr-9983	1740	6	896	896	NUM
cblr-9983	1740	7	(	(	PUNCT
cblr-9983	1740	8	2004	2004	NUM
cblr-9983	1740	9	)	)	PUNCT
cblr-9983	1740	10	;	;	PUNCT
cblr-9983	1740	11	e.	e.	PROPN
cblr-9983	1740	12	donald	donald	PROPN
cblr-9983	1740	13	elliott	elliott	PROPN
cblr-9983	1740	14	,	,	PUNCT
cblr-9983	1740	15	re	re	VERB
cblr-9983	1740	16	-	-	VERB
cblr-9983	1740	17	inventing	invent	VERB
cblr-9983	1740	18	rulemaking	rulemaking	NOUN
cblr-9983	1740	19	,	,	PUNCT
cblr-9983	1740	20	41	41	NUM
cblr-9983	1740	21	duke	duke	PROPN
cblr-9983	1740	22	l.	l.	PROPN
cblr-9983	1740	23	j.	j.	PROPN
cblr-9983	1740	24	1490	1490	NUM
cblr-9983	1740	25	,	,	PUNCT
cblr-9983	1740	26	1490	1490	NUM
cblr-9983	1740	27	(	(	PUNCT
cblr-9983	1740	28	1992	1992	NUM
cblr-9983	1740	29	)	)	PUNCT
cblr-9983	1740	30	.	.	PUNCT
cblr-9983	1741	1	no	no	INTJ
cblr-9983	1741	2	.	.	PUNCT
cblr-9983	1742	1	1:279	1:279	NOUN
cblr-9983	1742	2	]	]	X
cblr-9983	1742	3	bank	bank	NOUN
cblr-9983	1742	4	supervision	supervision	NOUN
cblr-9983	1742	5	and	and	CCONJ
cblr-9983	1742	6	administrative	administrative	ADJ
cblr-9983	1742	7	law	law	NOUN
cblr-9983	1742	8	377	377	NUM
cblr-9983	1742	9	forms	form	NOUN
cblr-9983	1742	10	and	and	CCONJ
cblr-9983	1742	11	requirements	requirement	NOUN
cblr-9983	1742	12	.	.	PUNCT
cblr-9983	1743	1	after	after	ADP
cblr-9983	1743	2	explaining	explain	VERB
cblr-9983	1743	3	why	why	SCONJ
cblr-9983	1743	4	the	the	DET
cblr-9983	1743	5	more	more	ADV
cblr-9983	1743	6	conventional	conventional	ADJ
cblr-9983	1743	7	approaches	approach	NOUN
cblr-9983	1743	8	share	share	VERB
cblr-9983	1743	9	a	a	DET
cblr-9983	1743	10	problematic	problematic	ADJ
cblr-9983	1743	11	conceptual	conceptual	ADJ
cblr-9983	1743	12	premise	premise	NOUN
cblr-9983	1743	13	with	with	ADP
cblr-9983	1743	14	current	current	ADJ
cblr-9983	1743	15	doctrine	doctrine	NOUN
cblr-9983	1743	16	,	,	PUNCT
cblr-9983	1743	17	i	i	PRON
cblr-9983	1743	18	will	will	AUX
cblr-9983	1743	19	outline	outline	VERB
cblr-9983	1743	20	such	such	DET
cblr-9983	1743	21	an	an	DET
cblr-9983	1743	22	alternative	alternative	NOUN
cblr-9983	1743	23	.	.	PUNCT
cblr-9983	1744	1	1	1	X
cblr-9983	1744	2	.	.	X
cblr-9983	1744	3	trans	trans	ADJ
cblr-9983	1744	4	-	-	ADJ
cblr-9983	1744	5	substantive	substantive	ADJ
cblr-9983	1744	6	options	option	NOUN
cblr-9983	1744	7	for	for	ADP
cblr-9983	1744	8	reconciling	reconcile	VERB
cblr-9983	1744	9	administrative	administrative	ADJ
cblr-9983	1744	10	law	law	NOUN
cblr-9983	1744	11	and	and	CCONJ
cblr-9983	1744	12	supervision	supervision	NOUN
cblr-9983	1744	13	one	one	NUM
cblr-9983	1744	14	alternative	alternative	ADJ
cblr-9983	1744	15	doctrinal	doctrinal	ADJ
cblr-9983	1744	16	path	path	NOUN
cblr-9983	1744	17	would	would	AUX
cblr-9983	1744	18	be	be	AUX
cblr-9983	1744	19	to	to	PART
cblr-9983	1744	20	extend	extend	VERB
cblr-9983	1744	21	the	the	DET
cblr-9983	1744	22	reasoning	reasoning	NOUN
cblr-9983	1744	23	of	of	ADP
cblr-9983	1744	24	court	court	NOUN
cblr-9983	1744	25	of	of	ADP
cblr-9983	1744	26	appeals	appeal	NOUN
cblr-9983	1744	27	cases	case	NOUN
cblr-9983	1744	28	invalidating	invalidate	VERB
cblr-9983	1744	29	agency	agency	NOUN
cblr-9983	1744	30	guidance	guidance	NOUN
cblr-9983	1744	31	that	that	PRON
cblr-9983	1744	32	is	be	AUX
cblr-9983	1744	33	“	"	PUNCT
cblr-9983	1744	34	practically	practically	ADV
cblr-9983	1744	35	binding	binding	ADJ
cblr-9983	1744	36	”	"	PUNCT
cblr-9983	1744	37	on	on	ADP
cblr-9983	1744	38	regulators	regulator	NOUN
cblr-9983	1744	39	and	and	CCONJ
cblr-9983	1744	40	regulated	regulated	ADJ
cblr-9983	1744	41	entities	entity	NOUN
cblr-9983	1744	42	to	to	PART
cblr-9983	1744	43	prohibit	prohibit	VERB
cblr-9983	1744	44	nearly	nearly	ADV
cblr-9983	1744	45	any	any	DET
cblr-9983	1744	46	supervisory	supervisory	ADJ
cblr-9983	1744	47	action	action	NOUN
cblr-9983	1744	48	other	other	ADJ
cblr-9983	1744	49	than	than	ADP
cblr-9983	1744	50	those	those	PRON
cblr-9983	1744	51	directly	directly	ADV
cblr-9983	1744	52	tied	tie	VERB
cblr-9983	1744	53	to	to	ADP
cblr-9983	1744	54	notice	notice	NOUN
cblr-9983	1744	55	-	-	PUNCT
cblr-9983	1744	56	and	and	CCONJ
cblr-9983	1744	57	-	-	PUNCT
cblr-9983	1744	58	comment	comment	NOUN
cblr-9983	1744	59	rulemaking	rulemaking	NOUN
cblr-9983	1744	60	or	or	CCONJ
cblr-9983	1744	61	formal	formal	ADJ
cblr-9983	1744	62	enforcement	enforcement	NOUN
cblr-9983	1744	63	actions	action	NOUN
cblr-9983	1744	64	.	.	PUNCT
cblr-9983	1745	1	in	in	ADP
cblr-9983	1745	2	the	the	DET
cblr-9983	1745	3	rendition	rendition	NOUN
cblr-9983	1745	4	favored	favor	VERB
cblr-9983	1745	5	by	by	ADP
cblr-9983	1745	6	some	some	DET
cblr-9983	1745	7	banking	banking	NOUN
cblr-9983	1745	8	interests	interest	NOUN
cblr-9983	1745	9	,	,	PUNCT
cblr-9983	1745	10	this	this	DET
cblr-9983	1745	11	route	route	NOUN
cblr-9983	1745	12	would	would	AUX
cblr-9983	1745	13	come	come	VERB
cblr-9983	1745	14	close	close	ADV
cblr-9983	1745	15	to	to	ADP
cblr-9983	1745	16	eliminating	eliminate	VERB
cblr-9983	1745	17	the	the	DET
cblr-9983	1745	18	supervisory	supervisory	ADJ
cblr-9983	1745	19	function	function	NOUN
cblr-9983	1745	20	by	by	ADP
cblr-9983	1745	21	prohibiting	prohibit	VERB
cblr-9983	1745	22	any	any	DET
cblr-9983	1745	23	other	other	ADJ
cblr-9983	1745	24	communication	communication	NOUN
cblr-9983	1745	25	that	that	PRON
cblr-9983	1745	26	a	a	DET
cblr-9983	1745	27	bank	bank	NOUN
cblr-9983	1745	28	might	might	AUX
cblr-9983	1745	29	interpret	interpret	VERB
cblr-9983	1745	30	as	as	ADP
cblr-9983	1745	31	forcing	force	VERB
cblr-9983	1745	32	a	a	DET
cblr-9983	1745	33	change	change	NOUN
cblr-9983	1745	34	in	in	ADP
cblr-9983	1745	35	its	its	PRON
cblr-9983	1745	36	practices	practice	NOUN
cblr-9983	1745	37	.	.	PUNCT
cblr-9983	1746	1	guidance	guidance	NOUN
cblr-9983	1746	2	would	would	AUX
cblr-9983	1746	3	effectively	effectively	ADV
cblr-9983	1746	4	be	be	AUX
cblr-9983	1746	5	relegated	relegate	VERB
cblr-9983	1746	6	to	to	ADP
cblr-9983	1746	7	the	the	DET
cblr-9983	1746	8	status	status	NOUN
cblr-9983	1746	9	of	of	ADP
cblr-9983	1746	10	advice	advice	NOUN
cblr-9983	1746	11	to	to	ADP
cblr-9983	1746	12	banks	bank	NOUN
cblr-9983	1746	13	on	on	ADP
cblr-9983	1746	14	good	good	ADJ
cblr-9983	1746	15	practices	practice	NOUN
cblr-9983	1746	16	.	.	PUNCT
cblr-9983	1747	1	written	write	VERB
cblr-9983	1747	2	guidance	guidance	NOUN
cblr-9983	1747	3	and	and	CCONJ
cblr-9983	1747	4	,	,	PUNCT
cblr-9983	1747	5	presumably	presumably	ADV
cblr-9983	1747	6	,	,	PUNCT
cblr-9983	1747	7	less	less	ADV
cblr-9983	1747	8	formal	formal	ADJ
cblr-9983	1747	9	supervisory	supervisory	ADJ
cblr-9983	1747	10	communications	communication	NOUN
cblr-9983	1747	11	could	could	AUX
cblr-9983	1747	12	not	not	PART
cblr-9983	1747	13	be	be	AUX
cblr-9983	1747	14	considered	consider	VERB
cblr-9983	1747	15	as	as	SCONJ
cblr-9983	1747	16	supervisors	supervisor	NOUN
cblr-9983	1747	17	made	make	VERB
cblr-9983	1747	18	decisions	decision	NOUN
cblr-9983	1747	19	on	on	ADP
cblr-9983	1747	20	mras	mras	ADJ
cblr-9983	1747	21	,	,	PUNCT
cblr-9983	1747	22	ratings	rating	NOUN
cblr-9983	1747	23	,	,	PUNCT
cblr-9983	1747	24	and	and	CCONJ
cblr-9983	1747	25	other	other	ADJ
cblr-9983	1747	26	actions	action	NOUN
cblr-9983	1747	27	.	.	PUNCT
cblr-9983	1748	1	mras	mras	PROPN
cblr-9983	1748	2	would	would	AUX
cblr-9983	1748	3	need	need	VERB
cblr-9983	1748	4	to	to	PART
cblr-9983	1748	5	be	be	AUX
cblr-9983	1748	6	based	base	VERB
cblr-9983	1748	7	on	on	ADP
cblr-9983	1748	8	a	a	DET
cblr-9983	1748	9	“	"	PUNCT
cblr-9983	1748	10	violation	violation	NOUN
cblr-9983	1748	11	[	[	X
cblr-9983	1748	12	]	]	X
cblr-9983	1748	13	of	of	ADP
cblr-9983	1748	14	law	law	NOUN
cblr-9983	1748	15	.	.	PUNCT
cblr-9983	1749	1	”278	”278	NOUN
cblr-9983	1749	2	this	this	DET
cblr-9983	1749	3	alternative	alternative	NOUN
cblr-9983	1749	4	would	would	AUX
cblr-9983	1749	5	certainly	certainly	ADV
cblr-9983	1749	6	go	go	VERB
cblr-9983	1749	7	a	a	DET
cblr-9983	1749	8	long	long	ADJ
cblr-9983	1749	9	way	way	NOUN
cblr-9983	1749	10	to	to	PART
cblr-9983	1749	11	resolve	resolve	VERB
cblr-9983	1749	12	any	any	DET
cblr-9983	1749	13	doctrinal	doctrinal	ADJ
cblr-9983	1749	14	ambiguity	ambiguity	NOUN
cblr-9983	1749	15	around	around	ADP
cblr-9983	1749	16	supervisory	supervisory	ADJ
cblr-9983	1749	17	actions	action	NOUN
cblr-9983	1749	18	such	such	ADJ
cblr-9983	1749	19	as	as	ADP
cblr-9983	1749	20	stress	stress	NOUN
cblr-9983	1749	21	testing	testing	NOUN
cblr-9983	1749	22	,	,	PUNCT
cblr-9983	1749	23	the	the	DET
cblr-9983	1749	24	use	use	NOUN
cblr-9983	1749	25	of	of	ADP
cblr-9983	1749	26	guidance	guidance	NOUN
cblr-9983	1749	27	,	,	PUNCT
cblr-9983	1749	28	and	and	CCONJ
cblr-9983	1749	29	the	the	DET
cblr-9983	1749	30	relationship	relationship	NOUN
cblr-9983	1749	31	between	between	ADP
cblr-9983	1749	32	guidance	guidance	NOUN
cblr-9983	1749	33	and	and	CCONJ
cblr-9983	1749	34	mras	mras	ADJ
cblr-9983	1749	35	.	.	PUNCT
cblr-9983	1750	1	but	but	CCONJ
cblr-9983	1750	2	it	it	PRON
cblr-9983	1750	3	would	would	AUX
cblr-9983	1750	4	do	do	VERB
cblr-9983	1750	5	so	so	ADV
cblr-9983	1750	6	by	by	ADP
cblr-9983	1750	7	effectively	effectively	ADV
cblr-9983	1750	8	reading	read	VERB
cblr-9983	1750	9	supervision	supervision	NOUN
cblr-9983	1750	10	out	out	ADP
cblr-9983	1750	11	of	of	ADP
cblr-9983	1750	12	the	the	DET
cblr-9983	1750	13	law	law	NOUN
cblr-9983	1750	14	,	,	PUNCT
cblr-9983	1750	15	without	without	ADP
cblr-9983	1750	16	reconciling	reconcile	VERB
cblr-9983	1750	17	administrative	administrative	ADJ
cblr-9983	1750	18	law	law	NOUN
cblr-9983	1750	19	doctrines	doctrine	NOUN
cblr-9983	1750	20	with	with	ADP
cblr-9983	1750	21	the	the	DET
cblr-9983	1750	22	statutory	statutory	ADJ
cblr-9983	1750	23	basis	basis	NOUN
cblr-9983	1750	24	for	for	ADP
cblr-9983	1750	25	supervision.279	supervision.279	ADJ
cblr-9983	1750	26	278	278	NUM
cblr-9983	1750	27	baer	baer	PROPN
cblr-9983	1750	28	testimony	testimony	NOUN
cblr-9983	1750	29	,	,	PUNCT
cblr-9983	1750	30	supra	supra	PROPN
cblr-9983	1750	31	note	note	NOUN
cblr-9983	1750	32	14	14	NUM
cblr-9983	1750	33	,	,	PUNCT
cblr-9983	1750	34	at	at	ADP
cblr-9983	1750	35	35	35	NUM
cblr-9983	1750	36	.	.	PUNCT
cblr-9983	1751	1	while	while	SCONJ
cblr-9983	1751	2	their	their	PRON
cblr-9983	1751	3	proposed	propose	VERB
cblr-9983	1751	4	rulemaking	rulemaking	NOUN
cblr-9983	1751	5	on	on	ADP
cblr-9983	1751	6	the	the	DET
cblr-9983	1751	7	role	role	NOUN
cblr-9983	1751	8	of	of	ADP
cblr-9983	1751	9	guidance	guidance	NOUN
cblr-9983	1751	10	moves	move	VERB
cblr-9983	1751	11	several	several	ADJ
cblr-9983	1751	12	steps	step	NOUN
cblr-9983	1751	13	down	down	ADP
cblr-9983	1751	14	this	this	DET
cblr-9983	1751	15	alternative	alternative	ADJ
cblr-9983	1751	16	road	road	NOUN
cblr-9983	1751	17	,	,	PUNCT
cblr-9983	1751	18	the	the	DET
cblr-9983	1751	19	agencies	agency	NOUN
cblr-9983	1751	20	have	have	AUX
cblr-9983	1751	21	for	for	ADP
cblr-9983	1751	22	now	now	ADV
cblr-9983	1751	23	stopped	stop	VERB
cblr-9983	1751	24	short	short	ADV
cblr-9983	1751	25	of	of	ADP
cblr-9983	1751	26	this	this	DET
cblr-9983	1751	27	last	last	ADJ
cblr-9983	1751	28	demand	demand	NOUN
cblr-9983	1751	29	by	by	ADP
cblr-9983	1751	30	the	the	DET
cblr-9983	1751	31	petitioning	petitioning	ADJ
cblr-9983	1751	32	banking	banking	NOUN
cblr-9983	1751	33	interests	interest	NOUN
cblr-9983	1751	34	that	that	PRON
cblr-9983	1751	35	mras	mras	ADV
cblr-9983	1751	36	be	be	AUX
cblr-9983	1751	37	reduced	reduce	VERB
cblr-9983	1751	38	to	to	PART
cblr-9983	1751	39	courtesy	courtesy	VERB
cblr-9983	1751	40	notices	notice	NOUN
cblr-9983	1751	41	to	to	ADP
cblr-9983	1751	42	banks	bank	NOUN
cblr-9983	1751	43	that	that	SCONJ
cblr-9983	1751	44	they	they	PRON
cblr-9983	1751	45	may	may	AUX
cblr-9983	1751	46	be	be	AUX
cblr-9983	1751	47	violating	violate	VERB
cblr-9983	1751	48	the	the	DET
cblr-9983	1751	49	law	law	NOUN
cblr-9983	1751	50	.	.	PUNCT
cblr-9983	1752	1	see	see	VERB
cblr-9983	1752	2	role	role	NOUN
cblr-9983	1752	3	of	of	ADP
cblr-9983	1752	4	supervisory	supervisory	ADJ
cblr-9983	1752	5	guidance	guidance	NOUN
cblr-9983	1752	6	,	,	PUNCT
cblr-9983	1752	7	85	85	NUM
cblr-9983	1752	8	fed	feed	VERB
cblr-9983	1752	9	.	.	PUNCT
cblr-9983	1753	1	reg	reg	PROPN
cblr-9983	1753	2	.	.	PUNCT
cblr-9983	1753	3	70,512	70,512	NUM
cblr-9983	1753	4	,	,	PUNCT
cblr-9983	1753	5	70,515–16	70,515–16	PROPN
cblr-9983	1753	6	(	(	PUNCT
cblr-9983	1753	7	proposed	propose	VERB
cblr-9983	1753	8	nov	nov	PROPN
cblr-9983	1753	9	.	.	PROPN
cblr-9983	1753	10	5	5	NUM
cblr-9983	1753	11	,	,	PUNCT
cblr-9983	1753	12	2020	2020	NUM
cblr-9983	1753	13	)	)	PUNCT
cblr-9983	1753	14	(	(	PUNCT
cblr-9983	1753	15	to	to	PART
cblr-9983	1753	16	be	be	AUX
cblr-9983	1753	17	codified	codify	VERB
cblr-9983	1753	18	at	at	ADP
cblr-9983	1753	19	12	12	NUM
cblr-9983	1753	20	c.f.r	c.f.r	NOUN
cblr-9983	1753	21	.	.	PUNCT
cblr-9983	1754	1	pts	pts	PROPN
cblr-9983	1754	2	.	.	PROPN
cblr-9983	1754	3	302	302	NUM
cblr-9983	1754	4	,	,	PUNCT
cblr-9983	1754	5	791	791	NUM
cblr-9983	1754	6	,	,	PUNCT
cblr-9983	1754	7	1074	1074	NUM
cblr-9983	1754	8	)	)	PUNCT
cblr-9983	1754	9	.	.	PUNCT
cblr-9983	1755	1	279	279	NUM
cblr-9983	1755	2	that	that	PRON
cblr-9983	1755	3	is	be	AUX
cblr-9983	1755	4	precisely	precisely	ADV
cblr-9983	1755	5	what	what	PRON
cblr-9983	1755	6	some	some	DET
cblr-9983	1755	7	banking	banking	NOUN
cblr-9983	1755	8	interests	interest	NOUN
cblr-9983	1755	9	have	have	AUX
cblr-9983	1755	10	tried	try	VERB
cblr-9983	1755	11	to	to	PART
cblr-9983	1755	12	do	do	VERB
cblr-9983	1755	13	,	,	PUNCT
cblr-9983	1755	14	despite	despite	SCONJ
cblr-9983	1755	15	the	the	DET
cblr-9983	1755	16	statutory	statutory	ADJ
cblr-9983	1755	17	foundations	foundation	NOUN
cblr-9983	1755	18	of	of	ADP
cblr-9983	1755	19	supervision	supervision	NOUN
cblr-9983	1755	20	.	.	PUNCT
cblr-9983	1756	1	see	see	VERB
cblr-9983	1756	2	baer	baer	PROPN
cblr-9983	1756	3	testimony	testimony	NOUN
cblr-9983	1756	4	,	,	PUNCT
cblr-9983	1756	5	supra	supra	PROPN
cblr-9983	1756	6	note	note	NOUN
cblr-9983	1756	7	14	14	NUM
cblr-9983	1756	8	.	.	SYM
cblr-9983	1757	1	378	378	NUM
cblr-9983	1757	2	columbia	columbia	PROPN
cblr-9983	1757	3	business	business	NOUN
cblr-9983	1757	4	law	law	PROPN
cblr-9983	1757	5	review	review	NOUN
cblr-9983	1757	6	[	[	X
cblr-9983	1757	7	vol	vol	NOUN
cblr-9983	1757	8	.	.	PUNCT
cblr-9983	1757	9	2022	2022	NUM
cblr-9983	1757	10	a	a	DET
cblr-9983	1757	11	second	second	ADJ
cblr-9983	1757	12	,	,	PUNCT
cblr-9983	1757	13	equally	equally	ADV
cblr-9983	1757	14	clean	clean	ADJ
cblr-9983	1757	15	doctrinal	doctrinal	ADJ
cblr-9983	1757	16	path	path	NOUN
cblr-9983	1757	17	would	would	AUX
cblr-9983	1757	18	focus	focus	VERB
cblr-9983	1757	19	solely	solely	ADV
cblr-9983	1757	20	on	on	ADP
cblr-9983	1757	21	whether	whether	SCONJ
cblr-9983	1757	22	a	a	DET
cblr-9983	1757	23	supervisory	supervisory	ADJ
cblr-9983	1757	24	communication	communication	NOUN
cblr-9983	1757	25	is	be	AUX
cblr-9983	1757	26	directly	directly	ADV
cblr-9983	1757	27	legally	legally	ADV
cblr-9983	1757	28	binding	binding	ADJ
cblr-9983	1757	29	.	.	PUNCT
cblr-9983	1758	1	this	this	DET
cblr-9983	1758	2	route	route	NOUN
cblr-9983	1758	3	would	would	AUX
cblr-9983	1758	4	rest	rest	VERB
cblr-9983	1758	5	heavily	heavily	ADV
cblr-9983	1758	6	on	on	ADP
cblr-9983	1758	7	requirements	requirement	NOUN
cblr-9983	1758	8	of	of	ADP
cblr-9983	1758	9	administrative	administrative	ADJ
cblr-9983	1758	10	finality	finality	NOUN
cblr-9983	1758	11	before	before	SCONJ
cblr-9983	1758	12	judicial	judicial	ADJ
cblr-9983	1758	13	review	review	NOUN
cblr-9983	1758	14	is	be	AUX
cblr-9983	1758	15	available	available	ADJ
cblr-9983	1758	16	.	.	PUNCT
cblr-9983	1759	1	it	it	PRON
cblr-9983	1759	2	would	would	AUX
cblr-9983	1759	3	also	also	ADV
cblr-9983	1759	4	follow	follow	VERB
cblr-9983	1759	5	the	the	DET
cblr-9983	1759	6	argument	argument	NOUN
cblr-9983	1759	7	favored	favor	VERB
cblr-9983	1759	8	by	by	ADP
cblr-9983	1759	9	many	many	ADJ
cblr-9983	1759	10	academics280	academics280	PROPN
cblr-9983	1759	11	for	for	ADP
cblr-9983	1759	12	rejecting	reject	VERB
cblr-9983	1759	13	“	"	PUNCT
cblr-9983	1759	14	practically	practically	ADV
cblr-9983	1759	15	binding	binding	ADJ
cblr-9983	1759	16	”	"	PUNCT
cblr-9983	1759	17	standards	standard	NOUN
cblr-9983	1759	18	in	in	ADP
cblr-9983	1759	19	light	light	NOUN
cblr-9983	1759	20	of	of	ADP
cblr-9983	1759	21	the	the	DET
cblr-9983	1759	22	supreme	supreme	PROPN
cblr-9983	1759	23	court	court	PROPN
cblr-9983	1759	24	’s	’s	PART
cblr-9983	1759	25	prohibition	prohibition	NOUN
cblr-9983	1759	26	in	in	ADP
cblr-9983	1759	27	vermont	vermont	PROPN
cblr-9983	1759	28	yankee281	yankee281	PROPN
cblr-9983	1759	29	and	and	CCONJ
cblr-9983	1759	30	mortgage	mortgage	NOUN
cblr-9983	1759	31	bankers282	bankers282	PROPN
cblr-9983	1759	32	of	of	ADP
cblr-9983	1759	33	requirements	requirement	NOUN
cblr-9983	1759	34	for	for	ADP
cblr-9983	1759	35	notice	notice	NOUN
cblr-9983	1759	36	-	-	PUNCT
cblr-9983	1759	37	and	and	CCONJ
cblr-9983	1759	38	-	-	PUNCT
cblr-9983	1759	39	comment	comment	NOUN
cblr-9983	1759	40	rulemaking	rulemaking	NOUN
cblr-9983	1759	41	that	that	PRON
cblr-9983	1759	42	go	go	VERB
cblr-9983	1759	43	beyond	beyond	ADP
cblr-9983	1759	44	the	the	DET
cblr-9983	1759	45	terse	terse	ADJ
cblr-9983	1759	46	requirements	requirement	NOUN
cblr-9983	1759	47	of	of	ADP
cblr-9983	1759	48	§	§	PROPN
cblr-9983	1759	49	553	553	NUM
cblr-9983	1759	50	of	of	ADP
cblr-9983	1759	51	the	the	DET
cblr-9983	1759	52	apa.283	apa.283	NOUN
cblr-9983	1759	53	this	this	PRON
cblr-9983	1759	54	,	,	PUNCT
cblr-9983	1759	55	of	of	ADP
cblr-9983	1759	56	course	course	NOUN
cblr-9983	1759	57	,	,	PUNCT
cblr-9983	1759	58	is	be	AUX
cblr-9983	1759	59	not	not	PART
cblr-9983	1759	60	the	the	DET
cblr-9983	1759	61	direction	direction	NOUN
cblr-9983	1759	62	in	in	ADP
cblr-9983	1759	63	which	which	PRON
cblr-9983	1759	64	courts	court	NOUN
cblr-9983	1759	65	have	have	AUX
cblr-9983	1759	66	been	be	AUX
cblr-9983	1759	67	heading	head	VERB
cblr-9983	1759	68	.	.	PUNCT
cblr-9983	1760	1	if	if	SCONJ
cblr-9983	1760	2	judicial	judicial	ADJ
cblr-9983	1760	3	receptivity	receptivity	NOUN
cblr-9983	1760	4	were	be	AUX
cblr-9983	1760	5	to	to	PART
cblr-9983	1760	6	materialize	materialize	VERB
cblr-9983	1760	7	,	,	PUNCT
cblr-9983	1760	8	it	it	PRON
cblr-9983	1760	9	would	would	AUX
cblr-9983	1760	10	be	be	AUX
cblr-9983	1760	11	sensible	sensible	ADJ
cblr-9983	1760	12	policy	policy	NOUN
cblr-9983	1760	13	in	in	ADP
cblr-9983	1760	14	some	some	DET
cblr-9983	1760	15	other	other	ADJ
cblr-9983	1760	16	areas	area	NOUN
cblr-9983	1760	17	of	of	ADP
cblr-9983	1760	18	regulation	regulation	NOUN
cblr-9983	1760	19	,	,	PUNCT
cblr-9983	1760	20	especially	especially	ADV
cblr-9983	1760	21	those	those	PRON
cblr-9983	1760	22	in	in	ADP
cblr-9983	1760	23	which	which	PRON
cblr-9983	1760	24	subsequent	subsequent	ADJ
cblr-9983	1760	25	,	,	PUNCT
cblr-9983	1760	26	more	more	ADV
cblr-9983	1760	27	formal	formal	ADJ
cblr-9983	1760	28	agency	agency	NOUN
cblr-9983	1760	29	actions	action	NOUN
cblr-9983	1760	30	are	be	AUX
cblr-9983	1760	31	necessary	necessary	ADJ
cblr-9983	1760	32	for	for	SCONJ
cblr-9983	1760	33	tangible	tangible	ADJ
cblr-9983	1760	34	consequences	consequence	NOUN
cblr-9983	1760	35	to	to	PART
cblr-9983	1760	36	ensue	ensue	VERB
cblr-9983	1760	37	.	.	PUNCT
cblr-9983	1761	1	in	in	ADP
cblr-9983	1761	2	the	the	DET
cblr-9983	1761	3	banking	banking	NOUN
cblr-9983	1761	4	context	context	NOUN
cblr-9983	1761	5	,	,	PUNCT
cblr-9983	1761	6	it	it	PRON
cblr-9983	1761	7	would	would	AUX
cblr-9983	1761	8	be	be	AUX
cblr-9983	1761	9	immeasurably	immeasurably	ADV
cblr-9983	1761	10	better	well	ADJ
cblr-9983	1761	11	than	than	ADP
cblr-9983	1761	12	the	the	DET
cblr-9983	1761	13	approach	approach	NOUN
cblr-9983	1761	14	favored	favor	VERB
cblr-9983	1761	15	by	by	ADP
cblr-9983	1761	16	banking	banking	NOUN
cblr-9983	1761	17	interests	interest	NOUN
cblr-9983	1761	18	,	,	PUNCT
cblr-9983	1761	19	because	because	SCONJ
cblr-9983	1761	20	it	it	PRON
cblr-9983	1761	21	recognizes	recognize	VERB
cblr-9983	1761	22	—	—	PUNCT
cblr-9983	1761	23	rather	rather	ADV
cblr-9983	1761	24	than	than	ADP
cblr-9983	1761	25	represses	represse	NOUN
cblr-9983	1761	26	—	—	PUNCT
cblr-9983	1761	27	the	the	DET
cblr-9983	1761	28	degree	degree	NOUN
cblr-9983	1761	29	to	to	PART
cblr-9983	1761	30	which	which	PRON
cblr-9983	1761	31	nonlegally	nonlegally	ADV
cblr-9983	1761	32	binding	bind	VERB
cblr-9983	1761	33	agency	agency	NOUN
cblr-9983	1761	34	communication	communication	NOUN
cblr-9983	1761	35	is	be	AUX
cblr-9983	1761	36	critical	critical	ADJ
cblr-9983	1761	37	to	to	ADP
cblr-9983	1761	38	a	a	DET
cblr-9983	1761	39	sensibly	sensibly	ADV
cblr-9983	1761	40	functioning	function	VERB
cblr-9983	1761	41	regulatory	regulatory	ADJ
cblr-9983	1761	42	system.284	system.284	NOUN
cblr-9983	1761	43	still	still	ADV
cblr-9983	1761	44	,	,	PUNCT
cblr-9983	1761	45	like	like	ADP
cblr-9983	1761	46	current	current	ADJ
cblr-9983	1761	47	doctrine	doctrine	NOUN
cblr-9983	1761	48	and	and	CCONJ
cblr-9983	1761	49	the	the	DET
cblr-9983	1761	50	alternative	alternative	NOUN
cblr-9983	1761	51	preferred	prefer	VERB
cblr-9983	1761	52	by	by	ADP
cblr-9983	1761	53	banking	banking	NOUN
cblr-9983	1761	54	interests	interest	NOUN
cblr-9983	1761	55	,	,	PUNCT
cblr-9983	1761	56	it	it	PRON
cblr-9983	1761	57	does	do	AUX
cblr-9983	1761	58	not	not	PART
cblr-9983	1761	59	reflect	reflect	VERB
cblr-9983	1761	60	the	the	DET
cblr-9983	1761	61	intended	intended	ADJ
cblr-9983	1761	62	and	and	CCONJ
cblr-9983	1761	63	actual	actual	ADJ
cblr-9983	1761	64	nature	nature	NOUN
cblr-9983	1761	65	of	of	ADP
cblr-9983	1761	66	the	the	DET
cblr-9983	1761	67	bank	bank	NOUN
cblr-9983	1761	68	supervisory	supervisory	ADJ
cblr-9983	1761	69	relationship	relationship	NOUN
cblr-9983	1761	70	.	.	PUNCT
cblr-9983	1762	1	it	it	PRON
cblr-9983	1762	2	would	would	AUX
cblr-9983	1762	3	focus	focus	VERB
cblr-9983	1762	4	predominantly	predominantly	ADV
cblr-9983	1762	5	,	,	PUNCT
cblr-9983	1762	6	if	if	SCONJ
cblr-9983	1762	7	not	not	PART
cblr-9983	1762	8	exclusively	exclusively	ADV
cblr-9983	1762	9	,	,	PUNCT
cblr-9983	1762	10	on	on	ADP
cblr-9983	1762	11	the	the	DET
cblr-9983	1762	12	single	single	ADJ
cblr-9983	1762	13	,	,	PUNCT
cblr-9983	1762	14	legally	legally	ADV
cblr-9983	1762	15	binding	bind	VERB
cblr-9983	1762	16	agency	agency	NOUN
cblr-9983	1762	17	action	action	NOUN
cblr-9983	1762	18	at	at	ADP
cblr-9983	1762	19	the	the	DET
cblr-9983	1762	20	center	center	NOUN
cblr-9983	1762	21	of	of	ADP
cblr-9983	1762	22	the	the	DET
cblr-9983	1762	23	litigation	litigation	NOUN
cblr-9983	1762	24	.	.	PUNCT
cblr-9983	1763	1	without	without	ADP
cblr-9983	1763	2	reference	reference	NOUN
cblr-9983	1763	3	to	to	ADP
cblr-9983	1763	4	that	that	DET
cblr-9983	1763	5	relationship	relationship	NOUN
cblr-9983	1763	6	,	,	PUNCT
cblr-9983	1763	7	it	it	PRON
cblr-9983	1763	8	might	might	AUX
cblr-9983	1763	9	still	still	ADV
cblr-9983	1763	10	find	find	VERB
cblr-9983	1763	11	fault	fault	NOUN
cblr-9983	1763	12	with	with	ADP
cblr-9983	1763	13	a	a	DET
cblr-9983	1763	14	later	later	ADJ
cblr-9983	1763	15	,	,	PUNCT
cblr-9983	1763	16	consequential	consequential	ADJ
cblr-9983	1763	17	agency	agency	NOUN
cblr-9983	1763	18	action	action	NOUN
cblr-9983	1763	19	that	that	PRON
cblr-9983	1763	20	had	have	AUX
cblr-9983	1763	21	been	be	AUX
cblr-9983	1763	22	informed	inform	VERB
cblr-9983	1763	23	by	by	ADP
cblr-9983	1763	24	prior	prior	ADJ
cblr-9983	1763	25	supervisory	supervisory	ADJ
cblr-9983	1763	26	assessments	assessment	NOUN
cblr-9983	1763	27	of	of	ADP
cblr-9983	1763	28	a	a	DET
cblr-9983	1763	29	bank	bank	NOUN
cblr-9983	1763	30	’s	’s	PART
cblr-9983	1763	31	risk	risk	NOUN
cblr-9983	1763	32	management	management	NOUN
cblr-9983	1763	33	practices	practice	NOUN
cblr-9983	1763	34	.	.	PUNCT
cblr-9983	1764	1	on	on	ADP
cblr-9983	1764	2	the	the	DET
cblr-9983	1764	3	other	other	ADJ
cblr-9983	1764	4	hand	hand	NOUN
cblr-9983	1764	5	,	,	PUNCT
cblr-9983	1764	6	it	it	PRON
cblr-9983	1764	7	could	could	AUX
cblr-9983	1764	8	permit	permit	VERB
cblr-9983	1764	9	arbitrary	arbitrary	ADJ
cblr-9983	1764	10	,	,	PUNCT
cblr-9983	1764	11	and	and	CCONJ
cblr-9983	1764	12	even	even	ADV
cblr-9983	1764	13	unauthorized	unauthorized	ADJ
cblr-9983	1764	14	,	,	PUNCT
cblr-9983	1764	15	actions	action	NOUN
cblr-9983	1764	16	by	by	ADP
cblr-9983	1764	17	supervisors	supervisor	NOUN
cblr-9983	1764	18	that	that	SCONJ
cblr-9983	1764	19	280	280	NUM
cblr-9983	1764	20	see	see	VERB
cblr-9983	1764	21	supra	supra	PROPN
cblr-9983	1764	22	note	note	PROPN
cblr-9983	1764	23	277	277	NUM
cblr-9983	1764	24	.	.	PUNCT
cblr-9983	1765	1	281	281	NUM
cblr-9983	1765	2	vermont	vermont	PROPN
cblr-9983	1765	3	yankee	yankee	PROPN
cblr-9983	1765	4	nuclear	nuclear	PROPN
cblr-9983	1765	5	power	power	PROPN
cblr-9983	1765	6	corp	corp	PROPN
cblr-9983	1765	7	.	.	PROPN
cblr-9983	1766	1	v.	v.	PROPN
cblr-9983	1766	2	nat	nat	PROPN
cblr-9983	1766	3	.	.	PUNCT
cblr-9983	1767	1	res	re	NOUN
cblr-9983	1767	2	.	.	PUNCT
cblr-9983	1768	1	def	def	PROPN
cblr-9983	1768	2	.	.	PROPN
cblr-9983	1768	3	council	council	PROPN
cblr-9983	1768	4	,	,	PUNCT
cblr-9983	1768	5	435	435	NUM
cblr-9983	1768	6	u.s	u.s	PROPN
cblr-9983	1768	7	.	.	PROPN
cblr-9983	1768	8	519	519	NUM
cblr-9983	1768	9	,	,	PUNCT
cblr-9983	1768	10	523	523	NUM
cblr-9983	1768	11	(	(	PUNCT
cblr-9983	1768	12	1978	1978	NUM
cblr-9983	1768	13	)	)	PUNCT
cblr-9983	1768	14	.	.	PUNCT
cblr-9983	1769	1	282	282	NUM
cblr-9983	1769	2	perez	perez	PROPN
cblr-9983	1769	3	v.	v.	ADP
cblr-9983	1769	4	mortgage	mortgage	NOUN
cblr-9983	1769	5	bankers	banker	NOUN
cblr-9983	1769	6	ass’n	ass’n	PART
cblr-9983	1769	7	,	,	PUNCT
cblr-9983	1769	8	575	575	NUM
cblr-9983	1769	9	u.s	u.s	PROPN
cblr-9983	1769	10	.	.	PROPN
cblr-9983	1769	11	92	92	NUM
cblr-9983	1769	12	,	,	PUNCT
cblr-9983	1769	13	100	100	NUM
cblr-9983	1769	14	(	(	PUNCT
cblr-9983	1769	15	2015	2015	NUM
cblr-9983	1769	16	)	)	PUNCT
cblr-9983	1769	17	.	.	PUNCT
cblr-9983	1770	1	283	283	NUM
cblr-9983	1770	2	this	this	DET
cblr-9983	1770	3	argument	argument	NOUN
cblr-9983	1770	4	has	have	AUX
cblr-9983	1770	5	not	not	PART
cblr-9983	1770	6	been	be	AUX
cblr-9983	1770	7	offered	offer	VERB
cblr-9983	1770	8	by	by	ADP
cblr-9983	1770	9	its	its	PRON
cblr-9983	1770	10	academic	academic	ADJ
cblr-9983	1770	11	proponents	proponent	NOUN
cblr-9983	1770	12	specifically	specifically	ADV
cblr-9983	1770	13	in	in	ADP
cblr-9983	1770	14	the	the	DET
cblr-9983	1770	15	banking	banking	NOUN
cblr-9983	1770	16	law	law	NOUN
cblr-9983	1770	17	context	context	NOUN
cblr-9983	1770	18	,	,	PUNCT
cblr-9983	1770	19	but	but	CCONJ
cblr-9983	1770	20	as	as	ADP
cblr-9983	1770	21	an	an	DET
cblr-9983	1770	22	argument	argument	NOUN
cblr-9983	1770	23	to	to	PART
cblr-9983	1770	24	clarify	clarify	VERB
cblr-9983	1770	25	the	the	DET
cblr-9983	1770	26	confusing	confusing	ADJ
cblr-9983	1770	27	line	line	NOUN
cblr-9983	1770	28	of	of	ADP
cblr-9983	1770	29	cases	case	NOUN
cblr-9983	1770	30	addressing	address	VERB
cblr-9983	1770	31	general	general	ADJ
cblr-9983	1770	32	statements	statement	NOUN
cblr-9983	1770	33	of	of	ADP
cblr-9983	1770	34	policy	policy	NOUN
cblr-9983	1770	35	across	across	ADP
cblr-9983	1770	36	the	the	DET
cblr-9983	1770	37	range	range	NOUN
cblr-9983	1770	38	of	of	ADP
cblr-9983	1770	39	administrative	administrative	ADJ
cblr-9983	1770	40	activities	activity	NOUN
cblr-9983	1770	41	.	.	PUNCT
cblr-9983	1771	1	see	see	VERB
cblr-9983	1771	2	gersen	gersen	PROPN
cblr-9983	1771	3	,	,	PUNCT
cblr-9983	1771	4	supra	supra	PROPN
cblr-9983	1771	5	note	note	PROPN
cblr-9983	1771	6	277	277	NUM
cblr-9983	1771	7	,	,	PUNCT
cblr-9983	1771	8	at	at	ADP
cblr-9983	1771	9	1712–13	1712–13	PROPN
cblr-9983	1771	10	.	.	PUNCT
cblr-9983	1772	1	284	284	NUM
cblr-9983	1772	2	for	for	ADP
cblr-9983	1772	3	a	a	DET
cblr-9983	1772	4	comprehensive	comprehensive	ADJ
cblr-9983	1772	5	and	and	CCONJ
cblr-9983	1772	6	convincing	convincing	ADJ
cblr-9983	1772	7	demonstration	demonstration	NOUN
cblr-9983	1772	8	of	of	ADP
cblr-9983	1772	9	this	this	DET
cblr-9983	1772	10	broader	broad	ADJ
cblr-9983	1772	11	point	point	NOUN
cblr-9983	1772	12	,	,	PUNCT
cblr-9983	1772	13	see	see	VERB
cblr-9983	1772	14	parrillo	parrillo	PROPN
cblr-9983	1772	15	,	,	PUNCT
cblr-9983	1772	16	note	note	VERB
cblr-9983	1772	17	225	225	NUM
cblr-9983	1772	18	.	.	PUNCT
cblr-9983	1773	1	no	no	INTJ
cblr-9983	1773	2	.	.	PUNCT
cblr-9983	1774	1	1:279	1:279	NOUN
cblr-9983	1774	2	]	]	X
cblr-9983	1774	3	bank	bank	NOUN
cblr-9983	1774	4	supervision	supervision	NOUN
cblr-9983	1774	5	and	and	CCONJ
cblr-9983	1774	6	administrative	administrative	ADJ
cblr-9983	1774	7	law	law	NOUN
cblr-9983	1774	8	379	379	NUM
cblr-9983	1774	9	do	do	AUX
cblr-9983	1774	10	affect	affect	VERB
cblr-9983	1774	11	bank	bank	NOUN
cblr-9983	1774	12	practices	practice	NOUN
cblr-9983	1774	13	,	,	PUNCT
cblr-9983	1774	14	so	so	ADV
cblr-9983	1774	15	long	long	ADV
cblr-9983	1774	16	as	as	SCONJ
cblr-9983	1774	17	these	these	DET
cblr-9983	1774	18	actions	action	NOUN
cblr-9983	1774	19	can	can	AUX
cblr-9983	1774	20	not	not	PART
cblr-9983	1774	21	be	be	AUX
cblr-9983	1774	22	linked	link	VERB
cblr-9983	1774	23	to	to	ADP
cblr-9983	1774	24	definite	definite	ADJ
cblr-9983	1774	25	legal	legal	ADJ
cblr-9983	1774	26	effects	effect	NOUN
cblr-9983	1774	27	in	in	ADP
cblr-9983	1774	28	a	a	DET
cblr-9983	1774	29	final	final	ADJ
cblr-9983	1774	30	agency	agency	NOUN
cblr-9983	1774	31	action	action	NOUN
cblr-9983	1774	32	.	.	PUNCT
cblr-9983	1775	1	2	2	X
cblr-9983	1775	2	.	.	X
cblr-9983	1775	3	an	an	DET
cblr-9983	1775	4	alternative	alternative	ADJ
cblr-9983	1775	5	approach	approach	NOUN
cblr-9983	1775	6	though	though	SCONJ
cblr-9983	1775	7	they	they	PRON
cblr-9983	1775	8	would	would	AUX
cblr-9983	1775	9	likely	likely	ADV
cblr-9983	1775	10	reach	reach	VERB
cblr-9983	1775	11	opposite	opposite	ADJ
cblr-9983	1775	12	conclusions	conclusion	NOUN
cblr-9983	1775	13	in	in	ADP
cblr-9983	1775	14	many	many	ADJ
cblr-9983	1775	15	cases	case	NOUN
cblr-9983	1775	16	,	,	PUNCT
cblr-9983	1775	17	neither	neither	CCONJ
cblr-9983	1775	18	trans	trans	ADJ
cblr-9983	1775	19	-	-	ADJ
cblr-9983	1775	20	substantive	substantive	ADJ
cblr-9983	1775	21	option	option	NOUN
cblr-9983	1775	22	would	would	AUX
cblr-9983	1775	23	reconcile	reconcile	VERB
cblr-9983	1775	24	the	the	DET
cblr-9983	1775	25	standards	standard	NOUN
cblr-9983	1775	26	of	of	ADP
cblr-9983	1775	27	the	the	DET
cblr-9983	1775	28	apa	apa	PROPN
cblr-9983	1775	29	with	with	ADP
cblr-9983	1775	30	those	those	PRON
cblr-9983	1775	31	of	of	ADP
cblr-9983	1775	32	banking	banking	NOUN
cblr-9983	1775	33	law	law	NOUN
cblr-9983	1775	34	.	.	PUNCT
cblr-9983	1776	1	an	an	DET
cblr-9983	1776	2	effective	effective	ADJ
cblr-9983	1776	3	reconciliation	reconciliation	NOUN
cblr-9983	1776	4	would	would	AUX
cblr-9983	1776	5	need	need	VERB
cblr-9983	1776	6	to	to	PART
cblr-9983	1776	7	shape	shape	VERB
cblr-9983	1776	8	administrative	administrative	ADJ
cblr-9983	1776	9	law	law	NOUN
cblr-9983	1776	10	requirements	requirement	NOUN
cblr-9983	1776	11	around	around	ADP
cblr-9983	1776	12	the	the	DET
cblr-9983	1776	13	specifics	specific	NOUN
cblr-9983	1776	14	of	of	ADP
cblr-9983	1776	15	substantive	substantive	ADJ
cblr-9983	1776	16	banking	banking	NOUN
cblr-9983	1776	17	law	law	NOUN
cblr-9983	1776	18	and	and	CCONJ
cblr-9983	1776	19	the	the	DET
cblr-9983	1776	20	organization	organization	NOUN
cblr-9983	1776	21	of	of	ADP
cblr-9983	1776	22	the	the	DET
cblr-9983	1776	23	agencies	agency	NOUN
cblr-9983	1776	24	that	that	PRON
cblr-9983	1776	25	congress	congress	PROPN
cblr-9983	1776	26	has	have	AUX
cblr-9983	1776	27	created	create	VERB
cblr-9983	1776	28	to	to	PART
cblr-9983	1776	29	administer	administer	VERB
cblr-9983	1776	30	it.285	it.285	PROPN
cblr-9983	1776	31	while	while	SCONJ
cblr-9983	1776	32	the	the	DET
cblr-9983	1776	33	norms	norm	NOUN
cblr-9983	1776	34	underlying	underlie	VERB
cblr-9983	1776	35	administrative	administrative	ADJ
cblr-9983	1776	36	law	law	NOUN
cblr-9983	1776	37	should	should	AUX
cblr-9983	1776	38	be	be	AUX
cblr-9983	1776	39	applied	apply	VERB
cblr-9983	1776	40	in	in	ADP
cblr-9983	1776	41	all	all	DET
cblr-9983	1776	42	regulatory	regulatory	ADJ
cblr-9983	1776	43	areas	area	NOUN
cblr-9983	1776	44	,	,	PUNCT
cblr-9983	1776	45	including	include	VERB
cblr-9983	1776	46	banking	banking	NOUN
cblr-9983	1776	47	,	,	PUNCT
cblr-9983	1776	48	courts	court	NOUN
cblr-9983	1776	49	could	could	AUX
cblr-9983	1776	50	elaborate	elaborate	VERB
cblr-9983	1776	51	on	on	ADP
cblr-9983	1776	52	the	the	DET
cblr-9983	1776	53	relatively	relatively	ADV
cblr-9983	1776	54	flexible	flexible	ADJ
cblr-9983	1776	55	statutory	statutory	ADJ
cblr-9983	1776	56	provisions	provision	NOUN
cblr-9983	1776	57	of	of	ADP
cblr-9983	1776	58	the	the	DET
cblr-9983	1776	59	apa	apa	PROPN
cblr-9983	1776	60	in	in	ADP
cblr-9983	1776	61	a	a	DET
cblr-9983	1776	62	manner	manner	NOUN
cblr-9983	1776	63	that	that	PRON
cblr-9983	1776	64	allows	allow	VERB
cblr-9983	1776	65	for	for	ADP
cblr-9983	1776	66	effective	effective	ADJ
cblr-9983	1776	67	and	and	CCONJ
cblr-9983	1776	68	efficient	efficient	ADJ
cblr-9983	1776	69	realization	realization	NOUN
cblr-9983	1776	70	of	of	ADP
cblr-9983	1776	71	the	the	DET
cblr-9983	1776	72	substantive	substantive	ADJ
cblr-9983	1776	73	statutory	statutory	ADJ
cblr-9983	1776	74	mandate	mandate	NOUN
cblr-9983	1776	75	given	give	VERB
cblr-9983	1776	76	to	to	ADP
cblr-9983	1776	77	banking	banking	NOUN
cblr-9983	1776	78	agencies	agency	NOUN
cblr-9983	1776	79	.	.	PUNCT
cblr-9983	1777	1	285	285	NUM
cblr-9983	1777	2	professors	professor	NOUN
cblr-9983	1777	3	levy	levy	VERB
cblr-9983	1777	4	and	and	CCONJ
cblr-9983	1777	5	glicksman	glicksman	NOUN
cblr-9983	1777	6	have	have	AUX
cblr-9983	1777	7	identified	identify	VERB
cblr-9983	1777	8	numerous	numerous	ADJ
cblr-9983	1777	9	instances	instance	NOUN
cblr-9983	1777	10	of	of	ADP
cblr-9983	1777	11	“	"	PUNCT
cblr-9983	1777	12	agency	agency	NOUN
cblr-9983	1777	13	specific	specific	ADJ
cblr-9983	1777	14	precedents	precedent	NOUN
cblr-9983	1777	15	,	,	PUNCT
cblr-9983	1777	16	”	"	PUNCT
cblr-9983	1777	17	in	in	ADP
cblr-9983	1777	18	which	which	PRON
cblr-9983	1777	19	courts	court	NOUN
cblr-9983	1777	20	appear	appear	VERB
cblr-9983	1777	21	not	not	PART
cblr-9983	1777	22	to	to	PART
cblr-9983	1777	23	have	have	AUX
cblr-9983	1777	24	followed	follow	VERB
cblr-9983	1777	25	a	a	DET
cblr-9983	1777	26	trans	trans	ADJ
cblr-9983	1777	27	-	-	ADJ
cblr-9983	1777	28	substantive	substantive	ADJ
cblr-9983	1777	29	approach	approach	NOUN
cblr-9983	1777	30	to	to	ADP
cblr-9983	1777	31	administrative	administrative	ADJ
cblr-9983	1777	32	law	law	NOUN
cblr-9983	1777	33	,	,	PUNCT
cblr-9983	1777	34	but	but	CCONJ
cblr-9983	1777	35	have	have	AUX
cblr-9983	1777	36	instead	instead	ADV
cblr-9983	1777	37	developed	develop	VERB
cblr-9983	1777	38	doctrine	doctrine	NOUN
cblr-9983	1777	39	to	to	PART
cblr-9983	1777	40	ratify	ratify	VERB
cblr-9983	1777	41	an	an	DET
cblr-9983	1777	42	agency	agency	NOUN
cblr-9983	1777	43	specific	specific	ADJ
cblr-9983	1777	44	procedure	procedure	NOUN
cblr-9983	1777	45	.	.	PUNCT
cblr-9983	1778	1	richard	richard	PROPN
cblr-9983	1778	2	e.	e.	PROPN
cblr-9983	1778	3	levy	levy	PROPN
cblr-9983	1778	4	&	&	CCONJ
cblr-9983	1778	5	robert	robert	PROPN
cblr-9983	1778	6	l.	l.	PROPN
cblr-9983	1778	7	glicksman	glicksman	PROPN
cblr-9983	1778	8	,	,	PUNCT
cblr-9983	1778	9	agency	agency	NOUN
cblr-9983	1778	10	specific	specific	ADJ
cblr-9983	1778	11	precedents	precedent	NOUN
cblr-9983	1778	12	,	,	PUNCT
cblr-9983	1778	13	89	89	NUM
cblr-9983	1778	14	tex	tex	PROPN
cblr-9983	1778	15	.	.	PROPN
cblr-9983	1778	16	l.	l.	PROPN
cblr-9983	1778	17	rev	rev	PROPN
cblr-9983	1778	18	.	.	PROPN
cblr-9983	1778	19	499	499	NUM
cblr-9983	1778	20	,	,	PUNCT
cblr-9983	1778	21	500	500	NUM
cblr-9983	1778	22	(	(	PUNCT
cblr-9983	1778	23	2011	2011	NUM
cblr-9983	1778	24	)	)	PUNCT
cblr-9983	1778	25	.	.	PUNCT
cblr-9983	1779	1	while	while	SCONJ
cblr-9983	1779	2	the	the	DET
cblr-9983	1779	3	authors	author	NOUN
cblr-9983	1779	4	are	be	AUX
cblr-9983	1779	5	troubled	trouble	VERB
cblr-9983	1779	6	by	by	ADP
cblr-9983	1779	7	some	some	DET
cblr-9983	1779	8	such	such	ADJ
cblr-9983	1779	9	departures	departure	NOUN
cblr-9983	1779	10	from	from	ADP
cblr-9983	1779	11	a	a	DET
cblr-9983	1779	12	more	more	ADV
cblr-9983	1779	13	universal	universal	ADJ
cblr-9983	1779	14	application	application	NOUN
cblr-9983	1779	15	of	of	ADP
cblr-9983	1779	16	administrative	administrative	ADJ
cblr-9983	1779	17	law	law	NOUN
cblr-9983	1779	18	,	,	PUNCT
cblr-9983	1779	19	they	they	PRON
cblr-9983	1779	20	are	be	AUX
cblr-9983	1779	21	careful	careful	ADJ
cblr-9983	1779	22	to	to	PART
cblr-9983	1779	23	distinguish	distinguish	VERB
cblr-9983	1779	24	instances	instance	NOUN
cblr-9983	1779	25	where	where	SCONJ
cblr-9983	1779	26	substantive	substantive	ADJ
cblr-9983	1779	27	enabling	enable	VERB
cblr-9983	1779	28	statutes	statute	NOUN
cblr-9983	1779	29	have	have	VERB
cblr-9983	1779	30	direct	direct	ADJ
cblr-9983	1779	31	bearing	bearing	NOUN
cblr-9983	1779	32	on	on	ADP
cblr-9983	1779	33	agency	agency	NOUN
cblr-9983	1779	34	procedures	procedure	NOUN
cblr-9983	1779	35	:	:	PUNCT
cblr-9983	1779	36	more	more	ADV
cblr-9983	1779	37	fundamentally	fundamentally	ADV
cblr-9983	1779	38	,	,	PUNCT
cblr-9983	1779	39	the	the	DET
cblr-9983	1779	40	organic	organic	ADJ
cblr-9983	1779	41	statute	statute	NOUN
cblr-9983	1779	42	establishes	establish	VERB
cblr-9983	1779	43	the	the	DET
cblr-9983	1779	44	agency	agency	NOUN
cblr-9983	1779	45	’s	’s	PART
cblr-9983	1779	46	substantive	substantive	ADJ
cblr-9983	1779	47	mandate	mandate	NOUN
cblr-9983	1779	48	,	,	PUNCT
cblr-9983	1779	49	authorizes	authorize	VERB
cblr-9983	1779	50	the	the	DET
cblr-9983	1779	51	agency	agency	NOUN
cblr-9983	1779	52	to	to	PART
cblr-9983	1779	53	take	take	VERB
cblr-9983	1779	54	particular	particular	ADJ
cblr-9983	1779	55	kinds	kind	NOUN
cblr-9983	1779	56	of	of	ADP
cblr-9983	1779	57	action	action	NOUN
cblr-9983	1779	58	to	to	PART
cblr-9983	1779	59	fulfill	fulfill	VERB
cblr-9983	1779	60	that	that	DET
cblr-9983	1779	61	mandate	mandate	NOUN
cblr-9983	1779	62	,	,	PUNCT
cblr-9983	1779	63	and	and	CCONJ
cblr-9983	1779	64	specifies	specify	VERB
cblr-9983	1779	65	the	the	DET
cblr-9983	1779	66	legal	legal	ADJ
cblr-9983	1779	67	standards	standard	NOUN
cblr-9983	1779	68	for	for	ADP
cblr-9983	1779	69	taking	take	VERB
cblr-9983	1779	70	such	such	ADJ
cblr-9983	1779	71	action	action	NOUN
cblr-9983	1779	72	.	.	PUNCT
cblr-9983	1780	1	in	in	ADP
cblr-9983	1780	2	any	any	DET
cblr-9983	1780	3	given	give	VERB
cblr-9983	1780	4	administrative	administrative	ADJ
cblr-9983	1780	5	law	law	NOUN
cblr-9983	1780	6	case	case	NOUN
cblr-9983	1780	7	,	,	PUNCT
cblr-9983	1780	8	the	the	DET
cblr-9983	1780	9	organic	organic	ADJ
cblr-9983	1780	10	statute	statute	NOUN
cblr-9983	1780	11	colors	color	VERB
cblr-9983	1780	12	the	the	DET
cblr-9983	1780	13	administrative	administrative	ADJ
cblr-9983	1780	14	law	law	NOUN
cblr-9983	1780	15	issue	issue	NOUN
cblr-9983	1780	16	—	—	PUNCT
cblr-9983	1780	17	it	it	PRON
cblr-9983	1780	18	determines	determine	VERB
cblr-9983	1780	19	what	what	PRON
cblr-9983	1780	20	is	be	AUX
cblr-9983	1780	21	at	at	ADP
cblr-9983	1780	22	stake	stake	NOUN
cblr-9983	1780	23	,	,	PUNCT
cblr-9983	1780	24	dictates	dictate	VERB
cblr-9983	1780	25	the	the	DET
cblr-9983	1780	26	type	type	NOUN
cblr-9983	1780	27	of	of	ADP
cblr-9983	1780	28	action	action	NOUN
cblr-9983	1780	29	the	the	DET
cblr-9983	1780	30	agency	agency	NOUN
cblr-9983	1780	31	may	may	AUX
cblr-9983	1780	32	take	take	VERB
cblr-9983	1780	33	to	to	PART
cblr-9983	1780	34	further	further	VERB
cblr-9983	1780	35	its	its	PRON
cblr-9983	1780	36	statutory	statutory	ADJ
cblr-9983	1780	37	mandate	mandate	NOUN
cblr-9983	1780	38	,	,	PUNCT
cblr-9983	1780	39	provides	provide	VERB
cblr-9983	1780	40	the	the	DET
cblr-9983	1780	41	substantive	substantive	ADJ
cblr-9983	1780	42	test	test	NOUN
cblr-9983	1780	43	for	for	ADP
cblr-9983	1780	44	determining	determine	VERB
cblr-9983	1780	45	the	the	DET
cblr-9983	1780	46	propriety	propriety	NOUN
cblr-9983	1780	47	of	of	ADP
cblr-9983	1780	48	the	the	DET
cblr-9983	1780	49	agency	agency	NOUN
cblr-9983	1780	50	’s	’s	PART
cblr-9983	1780	51	action	action	NOUN
cblr-9983	1780	52	,	,	PUNCT
cblr-9983	1780	53	and	and	CCONJ
cblr-9983	1780	54	governs	govern	VERB
cblr-9983	1780	55	the	the	DET
cblr-9983	1780	56	kinds	kind	NOUN
cblr-9983	1780	57	of	of	ADP
cblr-9983	1780	58	evidence	evidence	NOUN
cblr-9983	1780	59	or	or	CCONJ
cblr-9983	1780	60	information	information	NOUN
cblr-9983	1780	61	the	the	DET
cblr-9983	1780	62	agency	agency	NOUN
cblr-9983	1780	63	(	(	PUNCT
cblr-9983	1780	64	or	or	CCONJ
cblr-9983	1780	65	party	party	NOUN
cblr-9983	1780	66	)	)	PUNCT
cblr-9983	1780	67	will	will	AUX
cblr-9983	1780	68	use	use	VERB
cblr-9983	1780	69	to	to	PART
cblr-9983	1780	70	justify	justify	VERB
cblr-9983	1780	71	(	(	PUNCT
cblr-9983	1780	72	or	or	CCONJ
cblr-9983	1780	73	attack	attack	NOUN
cblr-9983	1780	74	)	)	PUNCT
cblr-9983	1780	75	the	the	DET
cblr-9983	1780	76	agency	agency	NOUN
cblr-9983	1780	77	’s	’s	PART
cblr-9983	1780	78	decision	decision	NOUN
cblr-9983	1780	79	.	.	PUNCT
cblr-9983	1781	1	these	these	DET
cblr-9983	1781	2	distinctive	distinctive	ADJ
cblr-9983	1781	3	components	component	NOUN
cblr-9983	1781	4	of	of	ADP
cblr-9983	1781	5	agencies	agency	NOUN
cblr-9983	1781	6	’	'	PUNCT
cblr-9983	1781	7	organic	organic	ADJ
cblr-9983	1781	8	statutes	statute	NOUN
cblr-9983	1781	9	limit	limit	VERB
cblr-9983	1781	10	the	the	DET
cblr-9983	1781	11	universality	universality	NOUN
cblr-9983	1781	12	of	of	ADP
cblr-9983	1781	13	administrative	administrative	ADJ
cblr-9983	1781	14	law	law	NOUN
cblr-9983	1781	15	.	.	PUNCT
cblr-9983	1782	1	i	i	PRON
cblr-9983	1782	2	d.	d.	PROPN
cblr-9983	1782	3	at	at	ADP
cblr-9983	1782	4	509	509	NUM
cblr-9983	1782	5	.	.	PUNCT
cblr-9983	1782	6	380	380	NUM
cblr-9983	1782	7	columbia	columbia	PROPN
cblr-9983	1782	8	business	business	NOUN
cblr-9983	1782	9	law	law	PROPN
cblr-9983	1782	10	review	review	NOUN
cblr-9983	1783	1	[	[	X
cblr-9983	1783	2	vol	vol	NOUN
cblr-9983	1783	3	.	.	PUNCT
cblr-9983	1783	4	2022	2022	NUM
cblr-9983	1783	5	to	to	PART
cblr-9983	1783	6	give	give	VERB
cblr-9983	1783	7	some	some	DET
cblr-9983	1783	8	concreteness	concreteness	NOUN
cblr-9983	1783	9	to	to	ADP
cblr-9983	1783	10	this	this	DET
cblr-9983	1783	11	idea	idea	NOUN
cblr-9983	1783	12	,	,	PUNCT
cblr-9983	1783	13	i	i	PRON
cblr-9983	1783	14	present	present	VERB
cblr-9983	1783	15	here	here	ADV
cblr-9983	1783	16	the	the	DET
cblr-9983	1783	17	outline	outline	NOUN
cblr-9983	1783	18	of	of	ADP
cblr-9983	1783	19	an	an	DET
cblr-9983	1783	20	approach	approach	NOUN
cblr-9983	1783	21	by	by	ADP
cblr-9983	1783	22	which	which	PRON
cblr-9983	1783	23	courts	court	NOUN
cblr-9983	1783	24	would	would	AUX
cblr-9983	1783	25	evaluate	evaluate	VERB
cblr-9983	1783	26	the	the	DET
cblr-9983	1783	27	legality	legality	NOUN
cblr-9983	1783	28	of	of	ADP
cblr-9983	1783	29	supervisory	supervisory	ADJ
cblr-9983	1783	30	actions	action	NOUN
cblr-9983	1783	31	in	in	ADP
cblr-9983	1783	32	the	the	DET
cblr-9983	1783	33	context	context	NOUN
cblr-9983	1783	34	of	of	ADP
cblr-9983	1783	35	the	the	DET
cblr-9983	1783	36	internal	internal	ADJ
cblr-9983	1783	37	processes	process	NOUN
cblr-9983	1783	38	maintained	maintain	VERB
cblr-9983	1783	39	by	by	ADP
cblr-9983	1783	40	a	a	DET
cblr-9983	1783	41	banking	banking	NOUN
cblr-9983	1783	42	agency	agency	NOUN
cblr-9983	1783	43	to	to	PART
cblr-9983	1783	44	implement	implement	VERB
cblr-9983	1783	45	and	and	CCONJ
cblr-9983	1783	46	oversee	oversee	VERB
cblr-9983	1783	47	its	its	PRON
cblr-9983	1783	48	supervisory	supervisory	ADJ
cblr-9983	1783	49	activities	activity	NOUN
cblr-9983	1783	50	.	.	PUNCT
cblr-9983	1784	1	that	that	ADV
cblr-9983	1784	2	is	is	ADV
cblr-9983	1784	3	,	,	PUNCT
cblr-9983	1784	4	the	the	DET
cblr-9983	1784	5	legality	legality	NOUN
cblr-9983	1784	6	of	of	ADP
cblr-9983	1784	7	a	a	DET
cblr-9983	1784	8	specific	specific	ADJ
cblr-9983	1784	9	supervisory	supervisory	ADJ
cblr-9983	1784	10	measure	measure	NOUN
cblr-9983	1784	11	would	would	AUX
cblr-9983	1784	12	depend	depend	VERB
cblr-9983	1784	13	in	in	ADP
cblr-9983	1784	14	large	large	ADJ
cblr-9983	1784	15	part	part	NOUN
cblr-9983	1784	16	on	on	ADP
cblr-9983	1784	17	whether	whether	SCONJ
cblr-9983	1784	18	it	it	PRON
cblr-9983	1784	19	had	have	AUX
cblr-9983	1784	20	been	be	AUX
cblr-9983	1784	21	taken	take	VERB
cblr-9983	1784	22	within	within	ADP
cblr-9983	1784	23	an	an	DET
cblr-9983	1784	24	administrative	administrative	ADJ
cblr-9983	1784	25	system	system	NOUN
cblr-9983	1784	26	that	that	PRON
cblr-9983	1784	27	effectively	effectively	ADV
cblr-9983	1784	28	managed	manage	VERB
cblr-9983	1784	29	supervisory	supervisory	ADJ
cblr-9983	1784	30	relationships	relationship	NOUN
cblr-9983	1784	31	against	against	ADP
cblr-9983	1784	32	the	the	DET
cblr-9983	1784	33	backdrop	backdrop	NOUN
cblr-9983	1784	34	of	of	ADP
cblr-9983	1784	35	statutory	statutory	ADJ
cblr-9983	1784	36	authorities	authority	NOUN
cblr-9983	1784	37	and	and	CCONJ
cblr-9983	1784	38	limits	limit	NOUN
cblr-9983	1784	39	,	,	PUNCT
cblr-9983	1784	40	with	with	ADP
cblr-9983	1784	41	appropriate	appropriate	ADJ
cblr-9983	1784	42	procedures	procedure	NOUN
cblr-9983	1784	43	and	and	CCONJ
cblr-9983	1784	44	safeguards	safeguard	NOUN
cblr-9983	1784	45	against	against	ADP
cblr-9983	1784	46	arbitrary	arbitrary	ADJ
cblr-9983	1784	47	supervisory	supervisory	ADJ
cblr-9983	1784	48	action	action	NOUN
cblr-9983	1784	49	.	.	PUNCT
cblr-9983	1785	1	the	the	DET
cblr-9983	1785	2	approach	approach	NOUN
cblr-9983	1785	3	i	i	PRON
cblr-9983	1785	4	suggest	suggest	VERB
cblr-9983	1785	5	would	would	AUX
cblr-9983	1785	6	,	,	PUNCT
cblr-9983	1785	7	in	in	ADP
cblr-9983	1785	8	essence	essence	NOUN
cblr-9983	1785	9	,	,	PUNCT
cblr-9983	1785	10	make	make	VERB
cblr-9983	1785	11	the	the	DET
cblr-9983	1785	12	quality	quality	NOUN
cblr-9983	1785	13	of	of	ADP
cblr-9983	1785	14	“	"	PUNCT
cblr-9983	1785	15	internal	internal	ADJ
cblr-9983	1785	16	”	"	PUNCT
cblr-9983	1785	17	administrative	administrative	ADJ
cblr-9983	1785	18	law	law	NOUN
cblr-9983	1785	19	a	a	DET
cblr-9983	1785	20	central	central	ADJ
cblr-9983	1785	21	consideration	consideration	NOUN
cblr-9983	1785	22	in	in	ADP
cblr-9983	1785	23	a	a	DET
cblr-9983	1785	24	court	court	NOUN
cblr-9983	1785	25	’s	’s	PART
cblr-9983	1785	26	external	external	ADJ
cblr-9983	1785	27	review	review	NOUN
cblr-9983	1785	28	of	of	ADP
cblr-9983	1785	29	supervisory	supervisory	ADJ
cblr-9983	1785	30	actions	action	NOUN
cblr-9983	1785	31	.	.	PUNCT
cblr-9983	1786	1	this	this	DET
cblr-9983	1786	2	linkage	linkage	NOUN
cblr-9983	1786	3	between	between	ADP
cblr-9983	1786	4	the	the	DET
cblr-9983	1786	5	two	two	NUM
cblr-9983	1786	6	spheres	sphere	NOUN
cblr-9983	1786	7	might	might	AUX
cblr-9983	1786	8	seem	seem	VERB
cblr-9983	1786	9	a	a	DET
cblr-9983	1786	10	bit	bit	NOUN
cblr-9983	1786	11	at	at	ADP
cblr-9983	1786	12	odds	odd	NOUN
cblr-9983	1786	13	with	with	ADP
cblr-9983	1786	14	arguments	argument	NOUN
cblr-9983	1786	15	that	that	SCONJ
cblr-9983	1786	16	courts	court	NOUN
cblr-9983	1786	17	should	should	AUX
cblr-9983	1786	18	refrain	refrain	VERB
cblr-9983	1786	19	from	from	ADP
cblr-9983	1786	20	too	too	ADV
cblr-9983	1786	21	much	much	ADJ
cblr-9983	1786	22	scrutiny	scrutiny	NOUN
cblr-9983	1786	23	of	of	ADP
cblr-9983	1786	24	internal	internal	ADJ
cblr-9983	1786	25	administrative	administrative	ADJ
cblr-9983	1786	26	law	law	NOUN
cblr-9983	1786	27	,	,	PUNCT
cblr-9983	1786	28	lest	lest	SCONJ
cblr-9983	1786	29	they	they	PRON
cblr-9983	1786	30	disincentivize	disincentivize	VERB
cblr-9983	1786	31	agencies	agency	NOUN
cblr-9983	1786	32	from	from	ADP
cblr-9983	1786	33	regularizing	regularize	VERB
cblr-9983	1786	34	their	their	PRON
cblr-9983	1786	35	functioning	functioning	NOUN
cblr-9983	1786	36	so	so	SCONJ
cblr-9983	1786	37	as	as	SCONJ
cblr-9983	1786	38	to	to	PART
cblr-9983	1786	39	promote	promote	VERB
cblr-9983	1786	40	internal	internal	ADJ
cblr-9983	1786	41	effectiveness	effectiveness	NOUN
cblr-9983	1786	42	and	and	CCONJ
cblr-9983	1786	43	accountability.286	accountability.286	ADJ
cblr-9983	1786	44	,	,	PUNCT
cblr-9983	1786	45	gillian	gillian	PROPN
cblr-9983	1786	46	metzger	metzger	PROPN
cblr-9983	1786	47	and	and	CCONJ
cblr-9983	1786	48	kevin	kevin	PROPN
cblr-9983	1786	49	stack	stack	PROPN
cblr-9983	1786	50	—	—	PUNCT
cblr-9983	1786	51	prominent	prominent	ADJ
cblr-9983	1786	52	proponents	proponent	NOUN
cblr-9983	1786	53	of	of	ADP
cblr-9983	1786	54	giving	give	VERB
cblr-9983	1786	55	agencies	agency	NOUN
cblr-9983	1786	56	space	space	NOUN
cblr-9983	1786	57	for	for	ADP
cblr-9983	1786	58	internal	internal	ADJ
cblr-9983	1786	59	administrative	administrative	ADJ
cblr-9983	1786	60	law	law	NOUN
cblr-9983	1786	61	—	—	PUNCT
cblr-9983	1786	62	also	also	ADV
cblr-9983	1786	63	recognize	recognize	VERB
cblr-9983	1786	64	that	that	SCONJ
cblr-9983	1786	65	there	there	PRON
cblr-9983	1786	66	is	be	VERB
cblr-9983	1786	67	“	"	PUNCT
cblr-9983	1786	68	no	no	DET
cblr-9983	1786	69	clear	clear	ADJ
cblr-9983	1786	70	line	line	NOUN
cblr-9983	1786	71	demarcating	demarcate	VERB
cblr-9983	1786	72	the	the	DET
cblr-9983	1786	73	two	two	NUM
cblr-9983	1786	74	.	.	PUNCT
cblr-9983	1786	75	”	"	PUNCT
cblr-9983	1787	1	287	287	NUM
cblr-9983	1787	2	indeed	indeed	ADV
cblr-9983	1787	3	,	,	PUNCT
cblr-9983	1787	4	they	they	PRON
cblr-9983	1787	5	favor	favor	VERB
cblr-9983	1787	6	encouraging	encourage	VERB
cblr-9983	1787	7	internal	internal	ADJ
cblr-9983	1787	8	administrative	administrative	ADJ
cblr-9983	1787	9	law	law	NOUN
cblr-9983	1787	10	through	through	ADP
cblr-9983	1787	11	exercise	exercise	NOUN
cblr-9983	1787	12	of	of	ADP
cblr-9983	1787	13	judicial	judicial	ADJ
cblr-9983	1787	14	deference	deference	NOUN
cblr-9983	1787	15	,	,	PUNCT
cblr-9983	1787	16	though	though	SCONJ
cblr-9983	1787	17	they	they	PRON
cblr-9983	1787	18	are	be	AUX
cblr-9983	1787	19	skeptical	skeptical	ADJ
cblr-9983	1787	20	that	that	SCONJ
cblr-9983	1787	21	courts	court	NOUN
cblr-9983	1787	22	will	will	AUX
cblr-9983	1787	23	often	often	ADV
cblr-9983	1787	24	be	be	AUX
cblr-9983	1787	25	so	so	ADV
cblr-9983	1787	26	inclined.288	inclined.288	ADJ
cblr-9983	1787	27	as	as	SCONJ
cblr-9983	1787	28	explained	explain	VERB
cblr-9983	1787	29	below	below	ADV
cblr-9983	1787	30	,	,	PUNCT
cblr-9983	1787	31	i	i	PRON
cblr-9983	1787	32	share	share	VERB
cblr-9983	1787	33	some	some	PRON
cblr-9983	1787	34	of	of	ADP
cblr-9983	1787	35	that	that	DET
cblr-9983	1787	36	skepticism	skepticism	NOUN
cblr-9983	1787	37	but	but	CCONJ
cblr-9983	1787	38	hold	hold	VERB
cblr-9983	1787	39	out	out	ADP
cblr-9983	1787	40	some	some	DET
cblr-9983	1787	41	hope	hope	NOUN
cblr-9983	1787	42	that	that	SCONJ
cblr-9983	1787	43	courts	court	NOUN
cblr-9983	1787	44	may	may	AUX
cblr-9983	1787	45	be	be	AUX
cblr-9983	1787	46	willing	willing	ADJ
cblr-9983	1787	47	to	to	PART
cblr-9983	1787	48	grant	grant	VERB
cblr-9983	1787	49	some	some	DET
cblr-9983	1787	50	deference	deference	NOUN
cblr-9983	1787	51	to	to	ADP
cblr-9983	1787	52	individual	individual	ADJ
cblr-9983	1787	53	,	,	PUNCT
cblr-9983	1787	54	external	external	ADJ
cblr-9983	1787	55	supervisory	supervisory	ADJ
cblr-9983	1787	56	actions	action	NOUN
cblr-9983	1787	57	that	that	PRON
cblr-9983	1787	58	come	come	VERB
cblr-9983	1787	59	out	out	ADP
cblr-9983	1787	60	of	of	ADP
cblr-9983	1787	61	a	a	DET
cblr-9983	1787	62	satisfactory	satisfactory	ADJ
cblr-9983	1787	63	internal	internal	ADJ
cblr-9983	1787	64	process	process	NOUN
cblr-9983	1787	65	.	.	PUNCT
cblr-9983	1788	1	it	it	PRON
cblr-9983	1788	2	is	be	AUX
cblr-9983	1788	3	important	important	ADJ
cblr-9983	1788	4	to	to	PART
cblr-9983	1788	5	note	note	VERB
cblr-9983	1788	6	that	that	SCONJ
cblr-9983	1788	7	the	the	DET
cblr-9983	1788	8	incongruity	incongruity	NOUN
cblr-9983	1788	9	that	that	PRON
cblr-9983	1788	10	i	i	PRON
cblr-9983	1788	11	have	have	AUX
cblr-9983	1788	12	identified	identify	VERB
cblr-9983	1788	13	exists	exist	NOUN
cblr-9983	1788	14	between	between	ADP
cblr-9983	1788	15	the	the	DET
cblr-9983	1788	16	supervisory	supervisory	ADJ
cblr-9983	1788	17	function	function	NOUN
cblr-9983	1788	18	and	and	CCONJ
cblr-9983	1788	19	some	some	DET
cblr-9983	1788	20	286	286	NUM
cblr-9983	1788	21	see	see	VERB
cblr-9983	1788	22	generally	generally	ADV
cblr-9983	1788	23	gillian	gillian	PROPN
cblr-9983	1788	24	e.	e.	PROPN
cblr-9983	1788	25	metzger	metzger	PROPN
cblr-9983	1789	1	and	and	CCONJ
cblr-9983	1790	1	kevin	kevin	PROPN
cblr-9983	1790	2	m.	m.	PROPN
cblr-9983	1790	3	stack	stack	PROPN
cblr-9983	1790	4	,	,	PUNCT
cblr-9983	1790	5	internal	internal	ADJ
cblr-9983	1790	6	administrative	administrative	ADJ
cblr-9983	1790	7	law	law	NOUN
cblr-9983	1790	8	,	,	PUNCT
cblr-9983	1790	9	115	115	NUM
cblr-9983	1790	10	mich	mich	PROPN
cblr-9983	1790	11	.	.	PUNCT
cblr-9983	1791	1	l.	l.	PROPN
cblr-9983	1791	2	rev	rev	PROPN
cblr-9983	1791	3	.	.	PROPN
cblr-9983	1791	4	1239	1239	NUM
cblr-9983	1791	5	(	(	PUNCT
cblr-9983	1791	6	2017	2017	NUM
cblr-9983	1791	7	)	)	PUNCT
cblr-9983	1791	8	.	.	PUNCT
cblr-9983	1792	1	metzger	metzger	NOUN
cblr-9983	1792	2	and	and	CCONJ
cblr-9983	1792	3	stack	stack	VERB
cblr-9983	1792	4	catalogue	catalogue	NOUN
cblr-9983	1792	5	a	a	DET
cblr-9983	1792	6	number	number	NOUN
cblr-9983	1792	7	of	of	ADP
cblr-9983	1792	8	ways	way	NOUN
cblr-9983	1792	9	in	in	ADP
cblr-9983	1792	10	which	which	PRON
cblr-9983	1792	11	this	this	PRON
cblr-9983	1792	12	can	can	AUX
cblr-9983	1792	13	happen	happen	VERB
cblr-9983	1792	14	,	,	PUNCT
cblr-9983	1792	15	such	such	ADJ
cblr-9983	1792	16	as	as	ADP
cblr-9983	1792	17	by	by	ADP
cblr-9983	1792	18	“	"	PUNCT
cblr-9983	1792	19	treating	treat	VERB
cblr-9983	1792	20	agency	agency	NOUN
cblr-9983	1792	21	attempts	attempt	NOUN
cblr-9983	1792	22	to	to	PART
cblr-9983	1792	23	bind	bind	VERB
cblr-9983	1792	24	internal	internal	ADJ
cblr-9983	1792	25	agency	agency	NOUN
cblr-9983	1792	26	officials	official	NOUN
cblr-9983	1792	27	as	as	ADP
cblr-9983	1792	28	grounds	ground	NOUN
cblr-9983	1792	29	for	for	ADP
cblr-9983	1792	30	characterizing	characterize	VERB
cblr-9983	1792	31	an	an	DET
cblr-9983	1792	32	agency	agency	NOUN
cblr-9983	1792	33	rule	rule	NOUN
cblr-9983	1792	34	as	as	ADP
cblr-9983	1792	35	a	a	DET
cblr-9983	1792	36	legislative	legislative	ADJ
cblr-9983	1792	37	rule	rule	NOUN
cblr-9983	1792	38	requiring	require	VERB
cblr-9983	1792	39	notice	notice	NOUN
cblr-9983	1792	40	and	and	CCONJ
cblr-9983	1792	41	comment	comment	NOUN
cblr-9983	1792	42	.	.	PUNCT
cblr-9983	1792	43	”	"	PUNCT
cblr-9983	1793	1	i	i	PRON
cblr-9983	1793	2	d.	d.	PROPN
cblr-9983	1793	3	at	at	ADP
cblr-9983	1793	4	1295	1295	NUM
cblr-9983	1793	5	.	.	PUNCT
cblr-9983	1794	1	287	287	NUM
cblr-9983	1795	1	i	i	PRON
cblr-9983	1795	2	d.	d.	VERB
cblr-9983	1795	3	at	at	ADP
cblr-9983	1795	4	1251	1251	NUM
cblr-9983	1795	5	.	.	PUNCT
cblr-9983	1796	1	288	288	NUM
cblr-9983	1796	2	i	i	PRON
cblr-9983	1796	3	d.	d.	PROPN
cblr-9983	1796	4	at	at	ADP
cblr-9983	1796	5	1295–96	1295–96	NUM
cblr-9983	1796	6	.	.	PUNCT
cblr-9983	1797	1	no	no	INTJ
cblr-9983	1797	2	.	.	PUNCT
cblr-9983	1798	1	1:279	1:279	NOUN
cblr-9983	1798	2	]	]	X
cblr-9983	1798	3	bank	bank	NOUN
cblr-9983	1798	4	supervision	supervision	NOUN
cblr-9983	1798	5	and	and	CCONJ
cblr-9983	1798	6	administrative	administrative	ADJ
cblr-9983	1798	7	law	law	NOUN
cblr-9983	1798	8	381	381	NUM
cblr-9983	1798	9	contemporary	contemporary	ADJ
cblr-9983	1798	10	doctrines	doctrine	NOUN
cblr-9983	1798	11	developed	develop	VERB
cblr-9983	1798	12	by	by	ADP
cblr-9983	1798	13	the	the	DET
cblr-9983	1798	14	judiciary	judiciary	NOUN
cblr-9983	1798	15	.	.	PUNCT
cblr-9983	1799	1	most	most	ADJ
cblr-9983	1799	2	provisions	provision	NOUN
cblr-9983	1799	3	in	in	ADP
cblr-9983	1799	4	the	the	DET
cblr-9983	1799	5	apa	apa	PROPN
cblr-9983	1799	6	itself	itself	PRON
cblr-9983	1799	7	are	be	AUX
cblr-9983	1799	8	sufficiently	sufficiently	ADV
cblr-9983	1799	9	open	open	ADJ
cblr-9983	1799	10	-	-	PUNCT
cblr-9983	1799	11	textured	textured	ADJ
cblr-9983	1799	12	that	that	SCONJ
cblr-9983	1799	13	its	its	PRON
cblr-9983	1799	14	procedural	procedural	ADJ
cblr-9983	1799	15	requirements	requirement	NOUN
cblr-9983	1799	16	and	and	CCONJ
cblr-9983	1799	17	protections	protection	NOUN
cblr-9983	1799	18	against	against	ADP
cblr-9983	1799	19	arbitrary	arbitrary	ADJ
cblr-9983	1799	20	and	and	CCONJ
cblr-9983	1799	21	capricious	capricious	ADJ
cblr-9983	1799	22	action	action	NOUN
cblr-9983	1799	23	could	could	AUX
cblr-9983	1799	24	be	be	AUX
cblr-9983	1799	25	applied	apply	VERB
cblr-9983	1799	26	in	in	ADP
cblr-9983	1799	27	a	a	DET
cblr-9983	1799	28	way	way	NOUN
cblr-9983	1799	29	that	that	PRON
cblr-9983	1799	30	takes	take	VERB
cblr-9983	1799	31	appropriate	appropriate	ADJ
cblr-9983	1799	32	account	account	NOUN
cblr-9983	1799	33	of	of	ADP
cblr-9983	1799	34	the	the	DET
cblr-9983	1799	35	supervisory	supervisory	ADJ
cblr-9983	1799	36	relationship	relationship	NOUN
cblr-9983	1799	37	.	.	PUNCT
cblr-9983	1800	1	still	still	ADV
cblr-9983	1800	2	,	,	PUNCT
cblr-9983	1800	3	administrative	administrative	ADJ
cblr-9983	1800	4	caselaw	caselaw	NOUN
cblr-9983	1800	5	does	do	AUX
cblr-9983	1800	6	provide	provide	VERB
cblr-9983	1800	7	at	at	ADP
cblr-9983	1800	8	least	least	ADJ
cblr-9983	1800	9	some	some	PRON
cblr-9983	1800	10	support	support	NOUN
cblr-9983	1800	11	for	for	ADP
cblr-9983	1800	12	this	this	DET
cblr-9983	1800	13	approach	approach	NOUN
cblr-9983	1800	14	to	to	ADP
cblr-9983	1800	15	judicial	judicial	ADJ
cblr-9983	1800	16	oversight	oversight	NOUN
cblr-9983	1800	17	of	of	ADP
cblr-9983	1800	18	bank	bank	NOUN
cblr-9983	1800	19	supervision	supervision	NOUN
cblr-9983	1800	20	,	,	PUNCT
cblr-9983	1800	21	though	though	SCONJ
cblr-9983	1800	22	not	not	PART
cblr-9983	1800	23	in	in	ADP
cblr-9983	1800	24	contexts	context	NOUN
cblr-9983	1800	25	that	that	PRON
cblr-9983	1800	26	could	could	AUX
cblr-9983	1800	27	fairly	fairly	ADV
cblr-9983	1800	28	be	be	AUX
cblr-9983	1800	29	cited	cite	VERB
cblr-9983	1800	30	as	as	ADP
cblr-9983	1800	31	direct	direct	ADJ
cblr-9983	1800	32	precedent	precedent	NOUN
cblr-9983	1800	33	.	.	PUNCT
cblr-9983	1801	1	i	i	PRON
cblr-9983	1801	2	will	will	AUX
cblr-9983	1801	3	mention	mention	VERB
cblr-9983	1801	4	two	two	NUM
cblr-9983	1801	5	cases	case	NOUN
cblr-9983	1801	6	,	,	PUNCT
cblr-9983	1801	7	one	one	NUM
cblr-9983	1801	8	addressing	address	VERB
cblr-9983	1801	9	bank	bank	NOUN
cblr-9983	1801	10	supervision	supervision	NOUN
cblr-9983	1801	11	specifically	specifically	ADV
cblr-9983	1801	12	and	and	CCONJ
cblr-9983	1801	13	the	the	DET
cblr-9983	1801	14	other	other	ADJ
cblr-9983	1801	15	a	a	DET
cblr-9983	1801	16	much	much	ADV
cblr-9983	1801	17	broader	broad	ADJ
cblr-9983	1801	18	comment	comment	NOUN
cblr-9983	1801	19	on	on	ADP
cblr-9983	1801	20	an	an	DET
cblr-9983	1801	21	agency	agency	NOUN
cblr-9983	1801	22	’s	’s	PART
cblr-9983	1801	23	prerogative	prerogative	NOUN
cblr-9983	1801	24	in	in	ADP
cblr-9983	1801	25	fashioning	fashion	VERB
cblr-9983	1801	26	its	its	PRON
cblr-9983	1801	27	procedures	procedure	NOUN
cblr-9983	1801	28	.	.	PUNCT
cblr-9983	1802	1	together	together	ADV
cblr-9983	1802	2	,	,	PUNCT
cblr-9983	1802	3	these	these	DET
cblr-9983	1802	4	cases	case	NOUN
cblr-9983	1802	5	adumbrate	adumbrate	VERB
cblr-9983	1802	6	the	the	DET
cblr-9983	1802	7	possibilities	possibility	NOUN
cblr-9983	1802	8	for	for	ADP
cblr-9983	1802	9	a	a	DET
cblr-9983	1802	10	more	more	ADV
cblr-9983	1802	11	tailored	tailor	VERB
cblr-9983	1802	12	approach	approach	NOUN
cblr-9983	1802	13	to	to	ADP
cblr-9983	1802	14	judicial	judicial	ADJ
cblr-9983	1802	15	review	review	NOUN
cblr-9983	1802	16	of	of	ADP
cblr-9983	1802	17	supervisory	supervisory	ADJ
cblr-9983	1802	18	actions	action	NOUN
cblr-9983	1802	19	.	.	PUNCT
cblr-9983	1803	1	first	first	ADV
cblr-9983	1803	2	is	be	AUX
cblr-9983	1803	3	the	the	DET
cblr-9983	1803	4	characterization	characterization	NOUN
cblr-9983	1803	5	of	of	ADP
cblr-9983	1803	6	the	the	DET
cblr-9983	1803	7	supervisory	supervisory	ADJ
cblr-9983	1803	8	relationship	relationship	NOUN
cblr-9983	1803	9	offered	offer	VERB
cblr-9983	1803	10	by	by	ADP
cblr-9983	1803	11	judge	judge	PROPN
cblr-9983	1803	12	douglas	douglas	PROPN
cblr-9983	1803	13	ginsburg	ginsburg	PROPN
cblr-9983	1803	14	,	,	PUNCT
cblr-9983	1803	15	writing	write	VERB
cblr-9983	1803	16	for	for	ADP
cblr-9983	1803	17	the	the	DET
cblr-9983	1803	18	d.c	d.c	PROPN
cblr-9983	1803	19	.	.	PROPN
cblr-9983	1803	20	circuit	circuit	PROPN
cblr-9983	1803	21	in	in	ADP
cblr-9983	1803	22	a	a	DET
cblr-9983	1803	23	case	case	NOUN
cblr-9983	1803	24	rejecting	reject	VERB
cblr-9983	1803	25	an	an	DET
cblr-9983	1803	26	effort	effort	NOUN
cblr-9983	1803	27	by	by	ADP
cblr-9983	1803	28	bank	bank	NOUN
cblr-9983	1803	29	shareholders	shareholder	NOUN
cblr-9983	1803	30	to	to	PART
cblr-9983	1803	31	compel	compel	VERB
cblr-9983	1803	32	the	the	DET
cblr-9983	1803	33	occ	occ	NOUN
cblr-9983	1803	34	to	to	PART
cblr-9983	1803	35	produce	produce	VERB
cblr-9983	1803	36	privileged	privileged	ADJ
cblr-9983	1803	37	bank	bank	NOUN
cblr-9983	1803	38	exam	exam	NOUN
cblr-9983	1803	39	information	information	NOUN
cblr-9983	1803	40	in	in	ADP
cblr-9983	1803	41	connection	connection	NOUN
cblr-9983	1803	42	with	with	ADP
cblr-9983	1803	43	a	a	DET
cblr-9983	1803	44	derivative	derivative	ADJ
cblr-9983	1803	45	suit	suit	NOUN
cblr-9983	1803	46	:	:	PUNCT
cblr-9983	1803	47	bank	bank	NOUN
cblr-9983	1803	48	safety	safety	NOUN
cblr-9983	1803	49	and	and	CCONJ
cblr-9983	1803	50	soundness	soundness	NOUN
cblr-9983	1803	51	supervision	supervision	NOUN
cblr-9983	1803	52	is	be	AUX
cblr-9983	1803	53	an	an	DET
cblr-9983	1803	54	iterative	iterative	NOUN
cblr-9983	1803	55	process	process	NOUN
cblr-9983	1803	56	of	of	ADP
cblr-9983	1803	57	comment	comment	NOUN
cblr-9983	1803	58	by	by	ADP
cblr-9983	1803	59	the	the	DET
cblr-9983	1803	60	regulators	regulator	NOUN
cblr-9983	1803	61	and	and	CCONJ
cblr-9983	1803	62	response	response	NOUN
cblr-9983	1803	63	by	by	ADP
cblr-9983	1803	64	the	the	DET
cblr-9983	1803	65	bank	bank	NOUN
cblr-9983	1803	66	.	.	PUNCT
cblr-9983	1804	1	the	the	DET
cblr-9983	1804	2	success	success	NOUN
cblr-9983	1804	3	of	of	ADP
cblr-9983	1804	4	the	the	DET
cblr-9983	1804	5	supervision	supervision	NOUN
cblr-9983	1804	6	therefore	therefore	ADV
cblr-9983	1804	7	depends	depend	VERB
cblr-9983	1804	8	vitally	vitally	ADV
cblr-9983	1804	9	upon	upon	SCONJ
cblr-9983	1804	10	the	the	DET
cblr-9983	1804	11	quality	quality	NOUN
cblr-9983	1804	12	of	of	ADP
cblr-9983	1804	13	communication	communication	NOUN
cblr-9983	1804	14	between	between	ADP
cblr-9983	1804	15	the	the	DET
cblr-9983	1804	16	regulated	regulated	ADJ
cblr-9983	1804	17	banking	banking	NOUN
cblr-9983	1804	18	firm	firm	NOUN
cblr-9983	1804	19	and	and	CCONJ
cblr-9983	1804	20	the	the	DET
cblr-9983	1804	21	bank	bank	NOUN
cblr-9983	1804	22	regulatory	regulatory	ADJ
cblr-9983	1804	23	agency	agency	NOUN
cblr-9983	1804	24	.	.	PUNCT
cblr-9983	1805	1	this	this	DET
cblr-9983	1805	2	relationship	relationship	NOUN
cblr-9983	1805	3	is	be	AUX
cblr-9983	1805	4	both	both	CCONJ
cblr-9983	1805	5	extensive	extensive	ADJ
cblr-9983	1805	6	and	and	CCONJ
cblr-9983	1805	7	informal	informal	ADJ
cblr-9983	1805	8	.	.	PUNCT
cblr-9983	1806	1	it	it	PRON
cblr-9983	1806	2	is	be	AUX
cblr-9983	1806	3	extensive	extensive	ADJ
cblr-9983	1806	4	in	in	ADP
cblr-9983	1806	5	that	that	PRON
cblr-9983	1806	6	bank	bank	NOUN
cblr-9983	1806	7	examiners	examiner	NOUN
cblr-9983	1806	8	concern	concern	VERB
cblr-9983	1806	9	themselves	themselves	PRON
cblr-9983	1806	10	with	with	ADP
cblr-9983	1806	11	all	all	DET
cblr-9983	1806	12	manner	manner	NOUN
cblr-9983	1806	13	of	of	ADP
cblr-9983	1806	14	a	a	DET
cblr-9983	1806	15	bank	bank	NOUN
cblr-9983	1806	16	’s	’s	PART
cblr-9983	1806	17	affairs	affair	NOUN
cblr-9983	1806	18	:	:	PUNCT
cblr-9983	1806	19	not	not	PART
cblr-9983	1806	20	only	only	ADV
cblr-9983	1806	21	the	the	DET
cblr-9983	1806	22	classification	classification	NOUN
cblr-9983	1806	23	of	of	ADP
cblr-9983	1806	24	assets	asset	NOUN
cblr-9983	1806	25	and	and	CCONJ
cblr-9983	1806	26	the	the	DET
cblr-9983	1806	27	review	review	NOUN
cblr-9983	1806	28	of	of	ADP
cblr-9983	1806	29	financial	financial	ADJ
cblr-9983	1806	30	transactions	transaction	NOUN
cblr-9983	1806	31	,	,	PUNCT
cblr-9983	1806	32	but	but	CCONJ
cblr-9983	1806	33	also	also	ADV
cblr-9983	1806	34	the	the	DET
cblr-9983	1806	35	adequacy	adequacy	NOUN
cblr-9983	1806	36	of	of	ADP
cblr-9983	1806	37	security	security	NOUN
cblr-9983	1806	38	systems	system	NOUN
cblr-9983	1806	39	and	and	CCONJ
cblr-9983	1806	40	of	of	ADP
cblr-9983	1806	41	internal	internal	ADJ
cblr-9983	1806	42	reporting	reporting	NOUN
cblr-9983	1806	43	requirements	requirement	NOUN
cblr-9983	1806	44	,	,	PUNCT
cblr-9983	1806	45	and	and	CCONJ
cblr-9983	1806	46	even	even	ADV
cblr-9983	1806	47	the	the	DET
cblr-9983	1806	48	quality	quality	NOUN
cblr-9983	1806	49	of	of	ADP
cblr-9983	1806	50	managerial	managerial	ADJ
cblr-9983	1806	51	personnel	personnel	NOUN
cblr-9983	1806	52	are	be	AUX
cblr-9983	1806	53	of	of	ADP
cblr-9983	1806	54	concern	concern	NOUN
cblr-9983	1806	55	to	to	ADP
cblr-9983	1806	56	the	the	DET
cblr-9983	1806	57	examiners	examiner	NOUN
cblr-9983	1806	58	.	.	PUNCT
cblr-9983	1807	1	the	the	DET
cblr-9983	1807	2	supervisory	supervisory	ADJ
cblr-9983	1807	3	relationship	relationship	NOUN
cblr-9983	1807	4	is	be	AUX
cblr-9983	1807	5	informal	informal	ADJ
cblr-9983	1807	6	in	in	ADP
cblr-9983	1807	7	the	the	DET
cblr-9983	1807	8	sense	sense	NOUN
cblr-9983	1807	9	that	that	SCONJ
cblr-9983	1807	10	it	it	PRON
cblr-9983	1807	11	calls	call	VERB
cblr-9983	1807	12	for	for	ADP
cblr-9983	1807	13	adjustment	adjustment	NOUN
cblr-9983	1807	14	,	,	PUNCT
cblr-9983	1807	15	not	not	PART
cblr-9983	1807	16	adjudication	adjudication	NOUN
cblr-9983	1807	17	.	.	PUNCT
cblr-9983	1808	1	in	in	ADP
cblr-9983	1808	2	the	the	DET
cblr-9983	1808	3	process	process	NOUN
cblr-9983	1808	4	of	of	ADP
cblr-9983	1808	5	comment	comment	NOUN
cblr-9983	1808	6	and	and	CCONJ
cblr-9983	1808	7	response	response	NOUN
cblr-9983	1808	8	,	,	PUNCT
cblr-9983	1808	9	the	the	DET
cblr-9983	1808	10	bank	bank	NOUN
cblr-9983	1808	11	may	may	AUX
cblr-9983	1808	12	agree	agree	VERB
cblr-9983	1808	13	to	to	PART
cblr-9983	1808	14	change	change	VERB
cblr-9983	1808	15	some	some	DET
cblr-9983	1808	16	aspect	aspect	NOUN
cblr-9983	1808	17	of	of	ADP
cblr-9983	1808	18	its	its	PRON
cblr-9983	1808	19	operation	operation	NOUN
cblr-9983	1808	20	or	or	CCONJ
cblr-9983	1808	21	accounting	accounting	NOUN
cblr-9983	1808	22	;	;	PUNCT
cblr-9983	1808	23	alternatively	alternatively	ADV
cblr-9983	1808	24	,	,	PUNCT
cblr-9983	1808	25	if	if	SCONJ
cblr-9983	1808	26	the	the	DET
cblr-9983	1808	27	bank	bank	NOUN
cblr-9983	1808	28	and	and	CCONJ
cblr-9983	1808	29	the	the	DET
cblr-9983	1808	30	examiners	examiner	NOUN
cblr-9983	1808	31	reach	reach	VERB
cblr-9983	1808	32	impasse	impasse	NOUN
cblr-9983	1808	33	,	,	PUNCT
cblr-9983	1808	34	then	then	ADV
cblr-9983	1808	35	their	their	PRON
cblr-9983	1808	36	dispute	dispute	NOUN
cblr-9983	1808	37	may	may	AUX
cblr-9983	1808	38	be	be	AUX
cblr-9983	1808	39	elevated	elevate	VERB
cblr-9983	1808	40	for	for	ADP
cblr-9983	1808	41	resolution	resolution	NOUN
cblr-9983	1808	42	at	at	ADP
cblr-9983	1808	43	higher	high	ADJ
cblr-9983	1808	44	levels	level	NOUN
cblr-9983	1808	45	within	within	ADP
cblr-9983	1808	46	the	the	DET
cblr-9983	1808	47	regulatory	regulatory	ADJ
cblr-9983	1808	48	agency	agency	NOUN
cblr-9983	1808	49	.	.	PUNCT
cblr-9983	1809	1	it	it	PRON
cblr-9983	1809	2	is	be	AUX
cblr-9983	1809	3	the	the	DET
cblr-9983	1809	4	very	very	ADV
cblr-9983	1809	5	rare	rare	ADJ
cblr-9983	1809	6	dispute	dispute	NOUN
cblr-9983	1809	7	,	,	PUNCT
cblr-9983	1809	8	however	however	ADV
cblr-9983	1809	9	382	382	NUM
cblr-9983	1809	10	columbia	columbia	PROPN
cblr-9983	1809	11	business	business	NOUN
cblr-9983	1809	12	law	law	PROPN
cblr-9983	1809	13	review	review	NOUN
cblr-9983	1809	14	[	[	X
cblr-9983	1809	15	vol	vol	NOUN
cblr-9983	1809	16	.	.	PUNCT
cblr-9983	1809	17	2022	2022	NUM
cblr-9983	1809	18	than	than	SCONJ
cblr-9983	1809	19	culminates	culminate	VERB
cblr-9983	1809	20	in	in	ADP
cblr-9983	1809	21	any	any	DET
cblr-9983	1809	22	formal	formal	ADJ
cblr-9983	1809	23	action	action	NOUN
cblr-9983	1809	24	,	,	PUNCT
cblr-9983	1809	25	such	such	ADJ
cblr-9983	1809	26	as	as	ADP
cblr-9983	1809	27	a	a	DET
cblr-9983	1809	28	cease	cease	NOUN
cblr-9983	1809	29	and	and	CCONJ
cblr-9983	1809	30	desist	desist	VERB
cblr-9983	1809	31	order.289	order.289	NUM
cblr-9983	1809	32	the	the	DET
cblr-9983	1809	33	broader	broad	ADJ
cblr-9983	1809	34	discussion	discussion	NOUN
cblr-9983	1809	35	of	of	ADP
cblr-9983	1809	36	agency	agency	NOUN
cblr-9983	1809	37	procedures	procedure	NOUN
cblr-9983	1809	38	is	be	AUX
cblr-9983	1809	39	in	in	ADP
cblr-9983	1809	40	the	the	DET
cblr-9983	1809	41	supreme	supreme	PROPN
cblr-9983	1809	42	court	court	PROPN
cblr-9983	1809	43	’s	’s	PART
cblr-9983	1809	44	decision	decision	NOUN
cblr-9983	1809	45	in	in	ADP
cblr-9983	1809	46	fcc	fcc	PROPN
cblr-9983	1809	47	v.	v.	ADP
cblr-9983	1809	48	schreiber,290	schreiber,290	PROPN
cblr-9983	1809	49	cited	cite	VERB
cblr-9983	1809	50	prominently	prominently	ADV
cblr-9983	1809	51	in	in	ADP
cblr-9983	1809	52	the	the	DET
cblr-9983	1809	53	court	court	NOUN
cblr-9983	1809	54	’s	’s	PART
cblr-9983	1809	55	decision	decision	NOUN
cblr-9983	1809	56	in	in	ADP
cblr-9983	1809	57	vermont	vermont	PROPN
cblr-9983	1809	58	yankee.291	yankee.291	PROPN
cblr-9983	1809	59	neither	neither	CCONJ
cblr-9983	1809	60	the	the	DET
cblr-9983	1809	61	agency	agency	NOUN
cblr-9983	1809	62	involved	involve	VERB
cblr-9983	1809	63	nor	nor	CCONJ
cblr-9983	1809	64	the	the	DET
cblr-9983	1809	65	specifics	specific	NOUN
cblr-9983	1809	66	of	of	ADP
cblr-9983	1809	67	the	the	DET
cblr-9983	1809	68	dispute	dispute	NOUN
cblr-9983	1809	69	are	be	AUX
cblr-9983	1809	70	especially	especially	ADV
cblr-9983	1809	71	apposite	apposite	ADV
cblr-9983	1809	72	for	for	ADP
cblr-9983	1809	73	determining	determine	VERB
cblr-9983	1809	74	how	how	SCONJ
cblr-9983	1809	75	administrative	administrative	ADJ
cblr-9983	1809	76	law	law	NOUN
cblr-9983	1809	77	requirements	requirement	NOUN
cblr-9983	1809	78	should	should	AUX
cblr-9983	1809	79	apply	apply	VERB
cblr-9983	1809	80	to	to	ADP
cblr-9983	1809	81	banking	banking	NOUN
cblr-9983	1809	82	supervision.292	supervision.292	NOUN
cblr-9983	1809	83	nor	nor	CCONJ
cblr-9983	1809	84	,	,	PUNCT
cblr-9983	1809	85	in	in	ADP
cblr-9983	1809	86	light	light	NOUN
cblr-9983	1809	87	of	of	ADP
cblr-9983	1809	88	vermont	vermont	PROPN
cblr-9983	1809	89	yankee	yankee	PROPN
cblr-9983	1809	90	and	and	CCONJ
cblr-9983	1809	91	subsequent	subsequent	ADJ
cblr-9983	1809	92	cases	case	NOUN
cblr-9983	1809	93	,	,	PUNCT
cblr-9983	1809	94	does	do	AUX
cblr-9983	1809	95	the	the	DET
cblr-9983	1809	96	holding	holding	NOUN
cblr-9983	1809	97	restricting	restrict	VERB
cblr-9983	1809	98	lower	low	ADJ
cblr-9983	1809	99	courts	court	NOUN
cblr-9983	1809	100	’	'	PUNCT
cblr-9983	1809	101	scope	scope	NOUN
cblr-9983	1809	102	for	for	ADP
cblr-9983	1809	103	augmenting	augment	VERB
cblr-9983	1809	104	agency	agency	NOUN
cblr-9983	1809	105	procedures	procedure	NOUN
cblr-9983	1809	106	seem	seem	VERB
cblr-9983	1809	107	surprising	surprising	ADJ
cblr-9983	1809	108	.	.	PUNCT
cblr-9983	1810	1	for	for	ADP
cblr-9983	1810	2	present	present	ADJ
cblr-9983	1810	3	purposes	purpose	NOUN
cblr-9983	1810	4	,	,	PUNCT
cblr-9983	1810	5	the	the	DET
cblr-9983	1810	6	noteworthy	noteworthy	ADJ
cblr-9983	1810	7	feature	feature	NOUN
cblr-9983	1810	8	of	of	ADP
cblr-9983	1810	9	chief	chief	ADJ
cblr-9983	1810	10	justice	justice	PROPN
cblr-9983	1810	11	warren	warren	PROPN
cblr-9983	1810	12	’s	’s	PART
cblr-9983	1810	13	opinion	opinion	NOUN
cblr-9983	1810	14	is	be	AUX
cblr-9983	1810	15	his	his	PRON
cblr-9983	1810	16	decidedly	decidedly	ADV
cblr-9983	1810	17	non	non	ADJ
cblr-9983	1810	18	-	-	ADJ
cblr-9983	1810	19	trans	trans	ADJ
cblr-9983	1810	20	-	-	ADJ
cblr-9983	1810	21	substantive	substantive	ADJ
cblr-9983	1810	22	starting	starting	NOUN
cblr-9983	1810	23	point	point	NOUN
cblr-9983	1810	24	for	for	ADP
cblr-9983	1810	25	analysis	analysis	NOUN
cblr-9983	1810	26	:	:	PUNCT
cblr-9983	1811	1	[	[	X
cblr-9983	1811	2	a]dministrative	a]dministrative	ADJ
cblr-9983	1811	3	agencies	agency	NOUN
cblr-9983	1811	4	‘	'	PUNCT
cblr-9983	1811	5	should	should	AUX
cblr-9983	1811	6	be	be	AUX
cblr-9983	1811	7	free	free	ADJ
cblr-9983	1811	8	to	to	PART
cblr-9983	1811	9	fashion	fashion	VERB
cblr-9983	1811	10	their	their	PRON
cblr-9983	1811	11	own	own	ADJ
cblr-9983	1811	12	rules	rule	NOUN
cblr-9983	1811	13	of	of	ADP
cblr-9983	1811	14	procedure	procedure	NOUN
cblr-9983	1811	15	and	and	CCONJ
cblr-9983	1811	16	to	to	PART
cblr-9983	1811	17	pursue	pursue	VERB
cblr-9983	1811	18	methods	method	NOUN
cblr-9983	1811	19	of	of	ADP
cblr-9983	1811	20	inquiry	inquiry	NOUN
cblr-9983	1811	21	capable	capable	ADJ
cblr-9983	1811	22	of	of	ADP
cblr-9983	1811	23	permitting	permit	VERB
cblr-9983	1811	24	them	they	PRON
cblr-9983	1811	25	to	to	PART
cblr-9983	1811	26	discharge	discharge	VERB
cblr-9983	1811	27	their	their	PRON
cblr-9983	1811	28	multitudinous	multitudinous	ADJ
cblr-9983	1811	29	duties	duty	NOUN
cblr-9983	1811	30	.	.	PUNCT
cblr-9983	1811	31	’	'	PUNCT
cblr-9983	1812	1	this	this	DET
cblr-9983	1812	2	principle	principle	NOUN
cblr-9983	1812	3	,	,	PUNCT
cblr-9983	1812	4	which	which	PRON
cblr-9983	1812	5	has	have	AUX
cblr-9983	1812	6	been	be	AUX
cblr-9983	1812	7	upheld	uphold	VERB
cblr-9983	1812	8	in	in	ADP
cblr-9983	1812	9	a	a	DET
cblr-9983	1812	10	variety	variety	NOUN
cblr-9983	1812	11	of	of	ADP
cblr-9983	1812	12	applications	application	NOUN
cblr-9983	1812	13	,	,	PUNCT
cblr-9983	1812	14	is	be	AUX
cblr-9983	1812	15	an	an	DET
cblr-9983	1812	16	outgrowth	outgrowth	NOUN
cblr-9983	1812	17	of	of	ADP
cblr-9983	1812	18	the	the	DET
cblr-9983	1812	19	congressional	congressional	ADJ
cblr-9983	1812	20	determination	determination	NOUN
cblr-9983	1812	21	that	that	SCONJ
cblr-9983	1812	22	administrative	administrative	ADJ
cblr-9983	1812	23	agencies	agency	NOUN
cblr-9983	1812	24	and	and	CCONJ
cblr-9983	1812	25	administrators	administrator	NOUN
cblr-9983	1812	26	will	will	AUX
cblr-9983	1812	27	be	be	AUX
cblr-9983	1812	28	familiar	familiar	ADJ
cblr-9983	1812	29	with	with	ADP
cblr-9983	1812	30	the	the	DET
cblr-9983	1812	31	industries	industry	NOUN
cblr-9983	1812	32	which	which	PRON
cblr-9983	1812	33	they	they	PRON
cblr-9983	1812	34	regulate	regulate	VERB
cblr-9983	1812	35	and	and	CCONJ
cblr-9983	1812	36	will	will	AUX
cblr-9983	1812	37	be	be	AUX
cblr-9983	1812	38	in	in	ADP
cblr-9983	1812	39	a	a	DET
cblr-9983	1812	40	better	well	ADJ
cblr-9983	1812	41	position	position	NOUN
cblr-9983	1812	42	than	than	ADP
cblr-9983	1812	43	federal	federal	ADJ
cblr-9983	1812	44	courts	court	NOUN
cblr-9983	1812	45	or	or	CCONJ
cblr-9983	1812	46	congress	congress	PROPN
cblr-9983	1812	47	itself	itself	PRON
cblr-9983	1812	48	to	to	PART
cblr-9983	1812	49	design	design	VERB
cblr-9983	1812	50	procedural	procedural	ADJ
cblr-9983	1812	51	rules	rule	NOUN
cblr-9983	1812	52	adapted	adapt	VERB
cblr-9983	1812	53	to	to	ADP
cblr-9983	1812	54	the	the	DET
cblr-9983	1812	55	peculiarities	peculiarity	NOUN
cblr-9983	1812	56	of	of	ADP
cblr-9983	1812	57	the	the	DET
cblr-9983	1812	58	industry	industry	NOUN
cblr-9983	1812	59	and	and	CCONJ
cblr-9983	1812	60	the	the	DET
cblr-9983	1812	61	tasks	task	NOUN
cblr-9983	1812	62	of	of	ADP
cblr-9983	1812	63	the	the	DET
cblr-9983	1812	64	agency	agency	NOUN
cblr-9983	1812	65	involved	involve	VERB
cblr-9983	1812	66	.	.	PUNCT
cblr-9983	1813	1	thus	thus	ADV
cblr-9983	1813	2	,	,	PUNCT
cblr-9983	1813	3	underlying	underlie	VERB
cblr-9983	1813	4	the	the	DET
cblr-9983	1813	5	broad	broad	ADJ
cblr-9983	1813	6	delegation	delegation	NOUN
cblr-9983	1813	7	.	.	PUNCT
cblr-9983	1813	8	.	.	PUNCT
cblr-9983	1814	1	.	.	PUNCT
cblr-9983	1815	1	of	of	ADP
cblr-9983	1815	2	procedural	procedural	ADJ
cblr-9983	1815	3	rule	rule	NOUN
cblr-9983	1815	4	-	-	PUNCT
cblr-9983	1815	5	making	make	VERB
cblr-9983	1815	6	power	power	NOUN
cblr-9983	1815	7	to	to	ADP
cblr-9983	1815	8	the	the	DET
cblr-9983	1815	9	federal	federal	ADJ
cblr-9983	1815	10	289	289	NUM
cblr-9983	1815	11	in	in	ADP
cblr-9983	1815	12	re	re	ADP
cblr-9983	1815	13	subpoena	subpoena	NOUN
cblr-9983	1815	14	served	serve	VERB
cblr-9983	1815	15	upon	upon	SCONJ
cblr-9983	1815	16	the	the	DET
cblr-9983	1815	17	comptroller	comptroller	NOUN
cblr-9983	1815	18	of	of	ADP
cblr-9983	1815	19	the	the	DET
cblr-9983	1815	20	currency	currency	NOUN
cblr-9983	1815	21	,	,	PUNCT
cblr-9983	1815	22	967	967	NUM
cblr-9983	1815	23	f.2d	f.2d	NOUN
cblr-9983	1815	24	630	630	NUM
cblr-9983	1815	25	,	,	PUNCT
cblr-9983	1815	26	633–34	633–34	NUM
cblr-9983	1815	27	(	(	PUNCT
cblr-9983	1815	28	d.c	d.c	PROPN
cblr-9983	1815	29	.	.	PROPN
cblr-9983	1815	30	cir	cir	PROPN
cblr-9983	1815	31	.	.	PROPN
cblr-9983	1815	32	1992	1992	NUM
cblr-9983	1815	33	)	)	PUNCT
cblr-9983	1815	34	(	(	PUNCT
cblr-9983	1815	35	internal	internal	ADJ
cblr-9983	1815	36	citations	citation	NOUN
cblr-9983	1815	37	omitted	omit	VERB
cblr-9983	1815	38	)	)	PUNCT
cblr-9983	1815	39	.	.	PUNCT
cblr-9983	1816	1	i	i	PRON
cblr-9983	1816	2	can	can	AUX
cblr-9983	1816	3	not	not	PART
cblr-9983	1816	4	resist	resist	VERB
cblr-9983	1816	5	pointing	point	VERB
cblr-9983	1816	6	out	out	ADP
cblr-9983	1816	7	that	that	SCONJ
cblr-9983	1816	8	,	,	PUNCT
cblr-9983	1816	9	prior	prior	ADV
cblr-9983	1816	10	to	to	ADP
cblr-9983	1816	11	his	his	PRON
cblr-9983	1816	12	appointment	appointment	NOUN
cblr-9983	1816	13	to	to	ADP
cblr-9983	1816	14	the	the	DET
cblr-9983	1816	15	bench	bench	NOUN
cblr-9983	1816	16	,	,	PUNCT
cblr-9983	1816	17	judge	judge	PROPN
cblr-9983	1816	18	ginsburg	ginsburg	PROPN
cblr-9983	1816	19	taught	teach	VERB
cblr-9983	1816	20	banking	banking	NOUN
cblr-9983	1816	21	regulation	regulation	NOUN
cblr-9983	1816	22	at	at	ADP
cblr-9983	1816	23	harvard	harvard	PROPN
cblr-9983	1816	24	law	law	PROPN
cblr-9983	1816	25	school	school	NOUN
cblr-9983	1816	26	.	.	PUNCT
cblr-9983	1817	1	his	his	PRON
cblr-9983	1817	2	consequent	consequent	ADJ
cblr-9983	1817	3	familiarity	familiarity	NOUN
cblr-9983	1817	4	with	with	ADP
cblr-9983	1817	5	the	the	DET
cblr-9983	1817	6	supervisory	supervisory	ADJ
cblr-9983	1817	7	process	process	NOUN
cblr-9983	1817	8	,	,	PUNCT
cblr-9983	1817	9	rare	rare	ADJ
cblr-9983	1817	10	among	among	ADP
cblr-9983	1817	11	judges	judge	NOUN
cblr-9983	1817	12	,	,	PUNCT
cblr-9983	1817	13	is	be	AUX
cblr-9983	1817	14	reflected	reflect	VERB
cblr-9983	1817	15	in	in	ADP
cblr-9983	1817	16	the	the	DET
cblr-9983	1817	17	opinion	opinion	NOUN
cblr-9983	1817	18	.	.	PUNCT
cblr-9983	1818	1	290	290	NUM
cblr-9983	1818	2	381	381	NUM
cblr-9983	1818	3	u.s	u.s	PROPN
cblr-9983	1818	4	.	.	PROPN
cblr-9983	1818	5	279	279	NUM
cblr-9983	1818	6	,	,	PUNCT
cblr-9983	1818	7	288–98	288–98	NUM
cblr-9983	1818	8	(	(	PUNCT
cblr-9983	1818	9	1965	1965	NUM
cblr-9983	1818	10	)	)	PUNCT
cblr-9983	1818	11	.	.	PUNCT
cblr-9983	1819	1	291	291	NUM
cblr-9983	1819	2	vermont	vermont	PROPN
cblr-9983	1819	3	yankee	yankee	PROPN
cblr-9983	1819	4	nuclear	nuclear	PROPN
cblr-9983	1819	5	power	power	PROPN
cblr-9983	1819	6	corp	corp	PROPN
cblr-9983	1819	7	.	.	PROPN
cblr-9983	1820	1	v.	v.	PROPN
cblr-9983	1820	2	nat	nat	PROPN
cblr-9983	1820	3	.	.	PUNCT
cblr-9983	1821	1	res	re	NOUN
cblr-9983	1821	2	.	.	PUNCT
cblr-9983	1822	1	def	def	PROPN
cblr-9983	1822	2	.	.	PROPN
cblr-9983	1822	3	council	council	PROPN
cblr-9983	1822	4	,	,	PUNCT
cblr-9983	1822	5	435	435	NUM
cblr-9983	1822	6	u.s	u.s	PROPN
cblr-9983	1822	7	.	.	PROPN
cblr-9983	1822	8	519	519	NUM
cblr-9983	1822	9	,	,	PUNCT
cblr-9983	1822	10	524–25	524–25	NUM
cblr-9983	1822	11	,	,	PUNCT
cblr-9983	1822	12	543	543	NUM
cblr-9983	1822	13	(	(	PUNCT
cblr-9983	1822	14	1978	1978	NUM
cblr-9983	1822	15	)	)	PUNCT
cblr-9983	1822	16	.	.	PUNCT
cblr-9983	1823	1	292	292	NUM
cblr-9983	1823	2	schreiber	schreiber	PROPN
cblr-9983	1823	3	affirmed	affirm	VERB
cblr-9983	1823	4	the	the	DET
cblr-9983	1823	5	fcc	fcc	PROPN
cblr-9983	1823	6	’s	’s	PART
cblr-9983	1823	7	decision	decision	NOUN
cblr-9983	1823	8	to	to	PART
cblr-9983	1823	9	reject	reject	VERB
cblr-9983	1823	10	the	the	DET
cblr-9983	1823	11	request	request	NOUN
cblr-9983	1823	12	of	of	ADP
cblr-9983	1823	13	a	a	DET
cblr-9983	1823	14	party	party	NOUN
cblr-9983	1823	15	to	to	PART
cblr-9983	1823	16	whom	whom	PRON
cblr-9983	1823	17	a	a	DET
cblr-9983	1823	18	subpoena	subpoena	NOUN
cblr-9983	1823	19	had	have	AUX
cblr-9983	1823	20	been	be	AUX
cblr-9983	1823	21	issued	issue	VERB
cblr-9983	1823	22	that	that	SCONJ
cblr-9983	1823	23	the	the	DET
cblr-9983	1823	24	presiding	preside	VERB
cblr-9983	1823	25	officer	officer	NOUN
cblr-9983	1823	26	depart	depart	NOUN
cblr-9983	1823	27	from	from	ADP
cblr-9983	1823	28	the	the	DET
cblr-9983	1823	29	commission	commission	NOUN
cblr-9983	1823	30	’s	’s	PART
cblr-9983	1823	31	regular	regular	ADJ
cblr-9983	1823	32	practice	practice	NOUN
cblr-9983	1823	33	of	of	ADP
cblr-9983	1823	34	public	public	ADJ
cblr-9983	1823	35	hearings	hearing	NOUN
cblr-9983	1823	36	in	in	ADP
cblr-9983	1823	37	order	order	NOUN
cblr-9983	1823	38	to	to	PART
cblr-9983	1823	39	protect	protect	VERB
cblr-9983	1823	40	the	the	DET
cblr-9983	1823	41	confidentiality	confidentiality	NOUN
cblr-9983	1823	42	of	of	ADP
cblr-9983	1823	43	the	the	DET
cblr-9983	1823	44	materials	material	NOUN
cblr-9983	1823	45	requested	request	VERB
cblr-9983	1823	46	in	in	ADP
cblr-9983	1823	47	the	the	DET
cblr-9983	1823	48	subpoena	subpoena	NOUN
cblr-9983	1823	49	.	.	PUNCT
cblr-9983	1824	1	schreiber	schreiber	PROPN
cblr-9983	1824	2	,	,	PUNCT
cblr-9983	1824	3	381	381	NUM
cblr-9983	1824	4	u.s	u.s	PROPN
cblr-9983	1824	5	.	.	PROPN
cblr-9983	1824	6	at	at	ADP
cblr-9983	1824	7	279	279	NUM
cblr-9983	1824	8	,	,	PUNCT
cblr-9983	1824	9	298–99	298–99	NUM
cblr-9983	1824	10	.	.	PUNCT
cblr-9983	1825	1	no	no	INTJ
cblr-9983	1825	2	.	.	PUNCT
cblr-9983	1826	1	1:279	1:279	NOUN
cblr-9983	1826	2	]	]	X
cblr-9983	1826	3	bank	bank	NOUN
cblr-9983	1826	4	supervision	supervision	NOUN
cblr-9983	1826	5	and	and	CCONJ
cblr-9983	1826	6	administrative	administrative	ADJ
cblr-9983	1826	7	law	law	NOUN
cblr-9983	1826	8	383	383	NUM
cblr-9983	1826	9	communications	communication	NOUN
cblr-9983	1826	10	commission	commission	NOUN
cblr-9983	1826	11	is	be	AUX
cblr-9983	1826	12	a	a	DET
cblr-9983	1826	13	‘	'	PUNCT
cblr-9983	1826	14	recognition	recognition	NOUN
cblr-9983	1826	15	of	of	ADP
cblr-9983	1826	16	the	the	DET
cblr-9983	1826	17	rapidly	rapidly	ADV
cblr-9983	1826	18	fluctuating	fluctuate	VERB
cblr-9983	1826	19	factors	factor	NOUN
cblr-9983	1826	20	characteristic	characteristic	ADJ
cblr-9983	1826	21	of	of	ADP
cblr-9983	1826	22	the	the	DET
cblr-9983	1826	23	evolution	evolution	NOUN
cblr-9983	1826	24	of	of	ADP
cblr-9983	1826	25	broadcasting	broadcasting	NOUN
cblr-9983	1826	26	and	and	CCONJ
cblr-9983	1826	27	of	of	ADP
cblr-9983	1826	28	the	the	DET
cblr-9983	1826	29	corresponding	corresponding	ADJ
cblr-9983	1826	30	requirement	requirement	NOUN
cblr-9983	1826	31	that	that	SCONJ
cblr-9983	1826	32	the	the	DET
cblr-9983	1826	33	administrative	administrative	ADJ
cblr-9983	1826	34	process	process	NOUN
cblr-9983	1826	35	possess	possess	VERB
cblr-9983	1826	36	sufficient	sufficient	ADJ
cblr-9983	1826	37	flexibility	flexibility	NOUN
cblr-9983	1826	38	to	to	PART
cblr-9983	1826	39	adjust	adjust	VERB
cblr-9983	1826	40	itself	itself	PRON
cblr-9983	1826	41	to	to	ADP
cblr-9983	1826	42	these	these	DET
cblr-9983	1826	43	factors	factor	NOUN
cblr-9983	1826	44	.	.	PUNCT
cblr-9983	1826	45	’293	’293	X
cblr-9983	1827	1	a	a	DET
cblr-9983	1827	2	good	good	ADJ
cblr-9983	1827	3	foundation	foundation	NOUN
cblr-9983	1827	4	for	for	ADP
cblr-9983	1827	5	building	build	VERB
cblr-9983	1827	6	an	an	DET
cblr-9983	1827	7	administrative	administrative	ADJ
cblr-9983	1827	8	law	law	NOUN
cblr-9983	1827	9	regime	regime	NOUN
cblr-9983	1827	10	for	for	ADP
cblr-9983	1827	11	bank	bank	NOUN
cblr-9983	1827	12	supervision	supervision	NOUN
cblr-9983	1827	13	could	could	AUX
cblr-9983	1827	14	be	be	AUX
cblr-9983	1827	15	laid	lay	VERB
cblr-9983	1827	16	by	by	ADP
cblr-9983	1827	17	combining	combine	VERB
cblr-9983	1827	18	warren	warren	PROPN
cblr-9983	1827	19	’s	’s	PART
cblr-9983	1827	20	emphasis	emphasis	NOUN
cblr-9983	1827	21	on	on	ADP
cblr-9983	1827	22	“	"	PUNCT
cblr-9983	1827	23	the	the	DET
cblr-9983	1827	24	peculiarities	peculiarity	NOUN
cblr-9983	1827	25	of	of	ADP
cblr-9983	1827	26	the	the	DET
cblr-9983	1827	27	industry	industry	NOUN
cblr-9983	1827	28	and	and	CCONJ
cblr-9983	1827	29	the	the	DET
cblr-9983	1827	30	tasks	task	NOUN
cblr-9983	1827	31	of	of	ADP
cblr-9983	1827	32	the	the	DET
cblr-9983	1827	33	agency	agency	NOUN
cblr-9983	1827	34	involved	involve	VERB
cblr-9983	1827	35	”	"	PUNCT
cblr-9983	1827	36	with	with	ADP
cblr-9983	1827	37	ginsburg	ginsburg	PROPN
cblr-9983	1827	38	’s	’s	PART
cblr-9983	1827	39	insight	insight	NOUN
cblr-9983	1827	40	into	into	ADP
cblr-9983	1827	41	the	the	DET
cblr-9983	1827	42	supervisory	supervisory	ADJ
cblr-9983	1827	43	relationship	relationship	NOUN
cblr-9983	1827	44	.	.	PUNCT
cblr-9983	1828	1	vermont	vermont	PROPN
cblr-9983	1828	2	yankee	yankee	PROPN
cblr-9983	1828	3	extended	extend	VERB
cblr-9983	1828	4	the	the	DET
cblr-9983	1828	5	schreiber	schreiber	NOUN
cblr-9983	1828	6	holding	hold	VERB
cblr-9983	1828	7	by	by	ADP
cblr-9983	1828	8	disallowing	disallow	VERB
cblr-9983	1828	9	judicial	judicial	ADJ
cblr-9983	1828	10	additions	addition	NOUN
cblr-9983	1828	11	to	to	ADP
cblr-9983	1828	12	apa	apa	PROPN
cblr-9983	1828	13	procedures	procedure	NOUN
cblr-9983	1828	14	for	for	ADP
cblr-9983	1828	15	notice	notice	NOUN
cblr-9983	1828	16	-	-	PUNCT
cblr-9983	1828	17	and	and	CCONJ
cblr-9983	1828	18	-	-	PUNCT
cblr-9983	1828	19	comment	comment	NOUN
cblr-9983	1828	20	rulemaking	rulemaking	NOUN
cblr-9983	1828	21	.	.	PUNCT
cblr-9983	1829	1	here	here	ADV
cblr-9983	1829	2	,	,	PUNCT
cblr-9983	1829	3	courts	court	NOUN
cblr-9983	1829	4	could	could	AUX
cblr-9983	1829	5	apply	apply	VERB
cblr-9983	1829	6	chief	chief	ADJ
cblr-9983	1829	7	justice	justice	NOUN
cblr-9983	1829	8	warren	warren	PROPN
cblr-9983	1829	9	’s	’s	PART
cblr-9983	1829	10	broad	broad	ADJ
cblr-9983	1829	11	point	point	NOUN
cblr-9983	1829	12	about	about	ADP
cblr-9983	1829	13	the	the	DET
cblr-9983	1829	14	distinctive	distinctive	ADJ
cblr-9983	1829	15	characteristics	characteristic	NOUN
cblr-9983	1829	16	of	of	ADP
cblr-9983	1829	17	each	each	DET
cblr-9983	1829	18	regulatory	regulatory	ADJ
cblr-9983	1829	19	area	area	NOUN
cblr-9983	1829	20	by	by	ADP
cblr-9983	1829	21	allowing	allow	VERB
cblr-9983	1829	22	and	and	CCONJ
cblr-9983	1829	23	expecting	expect	VERB
cblr-9983	1829	24	the	the	DET
cblr-9983	1829	25	banking	banking	NOUN
cblr-9983	1829	26	agencies	agency	NOUN
cblr-9983	1829	27	to	to	PART
cblr-9983	1829	28	develop	develop	VERB
cblr-9983	1829	29	internal	internal	ADJ
cblr-9983	1829	30	processes	process	NOUN
cblr-9983	1829	31	for	for	ADP
cblr-9983	1829	32	governing	govern	VERB
cblr-9983	1829	33	supervisory	supervisory	ADJ
cblr-9983	1829	34	activities	activity	NOUN
cblr-9983	1829	35	that	that	PRON
cblr-9983	1829	36	appropriately	appropriately	ADV
cblr-9983	1829	37	reflect	reflect	VERB
cblr-9983	1829	38	the	the	DET
cblr-9983	1829	39	necessarily	necessarily	ADV
cblr-9983	1829	40	iterative	iterative	ADJ
cblr-9983	1829	41	nature	nature	NOUN
cblr-9983	1829	42	of	of	ADP
cblr-9983	1829	43	bank	bank	PROPN
cblr-9983	1829	44	supervision	supervision	NOUN
cblr-9983	1829	45	.	.	PUNCT
cblr-9983	1830	1	both	both	DET
cblr-9983	1830	2	participles	participle	NOUN
cblr-9983	1830	3	in	in	ADP
cblr-9983	1830	4	the	the	DET
cblr-9983	1830	5	preceding	precede	VERB
cblr-9983	1830	6	sentence	sentence	NOUN
cblr-9983	1830	7	are	be	AUX
cblr-9983	1830	8	important	important	ADJ
cblr-9983	1830	9	.	.	PUNCT
cblr-9983	1831	1	the	the	DET
cblr-9983	1831	2	judiciary	judiciary	NOUN
cblr-9983	1831	3	should	should	AUX
cblr-9983	1831	4	allow	allow	VERB
cblr-9983	1831	5	the	the	DET
cblr-9983	1831	6	agencies	agency	NOUN
cblr-9983	1831	7	discretion	discretion	NOUN
cblr-9983	1831	8	to	to	PART
cblr-9983	1831	9	shape	shape	VERB
cblr-9983	1831	10	an	an	DET
cblr-9983	1831	11	internal	internal	ADJ
cblr-9983	1831	12	administrative	administrative	ADJ
cblr-9983	1831	13	law	law	NOUN
cblr-9983	1831	14	of	of	ADP
cblr-9983	1831	15	supervisory	supervisory	ADJ
cblr-9983	1831	16	governance	governance	NOUN
cblr-9983	1831	17	based	base	VERB
cblr-9983	1831	18	on	on	ADP
cblr-9983	1831	19	their	their	PRON
cblr-9983	1831	20	knowledge	knowledge	NOUN
cblr-9983	1831	21	of	of	ADP
cblr-9983	1831	22	banking	banking	NOUN
cblr-9983	1831	23	and	and	CCONJ
cblr-9983	1831	24	of	of	ADP
cblr-9983	1831	25	their	their	PRON
cblr-9983	1831	26	own	own	ADJ
cblr-9983	1831	27	organizational	organizational	ADJ
cblr-9983	1831	28	capacities	capacity	NOUN
cblr-9983	1831	29	and	and	CCONJ
cblr-9983	1831	30	limitations	limitation	NOUN
cblr-9983	1831	31	.	.	PUNCT
cblr-9983	1832	1	but	but	CCONJ
cblr-9983	1832	2	the	the	DET
cblr-9983	1832	3	judiciary	judiciary	NOUN
cblr-9983	1832	4	should	should	AUX
cblr-9983	1832	5	also	also	ADV
cblr-9983	1832	6	make	make	VERB
cblr-9983	1832	7	clear	clear	ADJ
cblr-9983	1832	8	its	its	PRON
cblr-9983	1832	9	expectation	expectation	NOUN
cblr-9983	1832	10	that	that	SCONJ
cblr-9983	1832	11	those	those	DET
cblr-9983	1832	12	internal	internal	ADJ
cblr-9983	1832	13	processes	process	NOUN
cblr-9983	1832	14	and	and	CCONJ
cblr-9983	1832	15	standards	standard	NOUN
cblr-9983	1832	16	will	will	AUX
cblr-9983	1832	17	in	in	ADP
cblr-9983	1832	18	fact	fact	NOUN
cblr-9983	1832	19	be	be	AUX
cblr-9983	1832	20	implemented	implement	VERB
cblr-9983	1832	21	.	.	PUNCT
cblr-9983	1833	1	3	3	X
cblr-9983	1833	2	.	.	X
cblr-9983	1833	3	internal	internal	ADJ
cblr-9983	1833	4	administrative	administrative	ADJ
cblr-9983	1833	5	law	law	NOUN
cblr-9983	1833	6	and	and	CCONJ
cblr-9983	1833	7	judicial	judicial	ADJ
cblr-9983	1833	8	review	review	NOUN
cblr-9983	1833	9	.	.	PUNCT
cblr-9983	1834	1	two	two	NUM
cblr-9983	1834	2	questions	question	NOUN
cblr-9983	1834	3	immediately	immediately	ADV
cblr-9983	1834	4	arise	arise	VERB
cblr-9983	1834	5	from	from	ADP
cblr-9983	1834	6	the	the	DET
cblr-9983	1834	7	prospect	prospect	NOUN
cblr-9983	1834	8	of	of	ADP
cblr-9983	1834	9	modifying	modify	VERB
cblr-9983	1834	10	administrative	administrative	ADJ
cblr-9983	1834	11	law	law	NOUN
cblr-9983	1834	12	along	along	ADP
cblr-9983	1834	13	these	these	DET
cblr-9983	1834	14	lines	line	NOUN
cblr-9983	1834	15	.	.	PUNCT
cblr-9983	1835	1	first	first	ADV
cblr-9983	1835	2	,	,	PUNCT
cblr-9983	1835	3	how	how	SCONJ
cblr-9983	1835	4	would	would	AUX
cblr-9983	1835	5	judicial	judicial	ADJ
cblr-9983	1835	6	review	review	NOUN
cblr-9983	1835	7	under	under	ADP
cblr-9983	1835	8	such	such	DET
cblr-9983	1835	9	an	an	DET
cblr-9983	1835	10	approach	approach	NOUN
cblr-9983	1835	11	differ	differ	VERB
cblr-9983	1835	12	from	from	ADP
cblr-9983	1835	13	what	what	PRON
cblr-9983	1835	14	we	we	PRON
cblr-9983	1835	15	would	would	AUX
cblr-9983	1835	16	expect	expect	VERB
cblr-9983	1835	17	under	under	ADP
cblr-9983	1835	18	current	current	ADJ
cblr-9983	1835	19	doctrine	doctrine	NOUN
cblr-9983	1835	20	?	?	PUNCT
cblr-9983	1836	1	second	second	ADJ
cblr-9983	1836	2	,	,	PUNCT
cblr-9983	1836	3	how	how	SCONJ
cblr-9983	1836	4	would	would	AUX
cblr-9983	1836	5	courts	court	NOUN
cblr-9983	1836	6	evaluate	evaluate	VERB
cblr-9983	1836	7	whether	whether	SCONJ
cblr-9983	1836	8	the	the	DET
cblr-9983	1836	9	agency	agency	NOUN
cblr-9983	1836	10	’s	’s	PART
cblr-9983	1836	11	internal	internal	ADJ
cblr-9983	1836	12	administrative	administrative	ADJ
cblr-9983	1836	13	law	law	NOUN
cblr-9983	1836	14	was	be	AUX
cblr-9983	1836	15	satisfactory	satisfactory	ADJ
cblr-9983	1836	16	?	?	PUNCT
cblr-9983	1837	1	in	in	ADP
cblr-9983	1837	2	considering	consider	VERB
cblr-9983	1837	3	whether	whether	SCONJ
cblr-9983	1837	4	an	an	DET
cblr-9983	1837	5	action	action	NOUN
cblr-9983	1837	6	by	by	ADP
cblr-9983	1837	7	a	a	DET
cblr-9983	1837	8	banking	banking	NOUN
cblr-9983	1837	9	agency	agency	NOUN
cblr-9983	1837	10	that	that	PRON
cblr-9983	1837	11	rested	rest	VERB
cblr-9983	1837	12	directly	directly	ADV
cblr-9983	1837	13	or	or	CCONJ
cblr-9983	1837	14	indirectly	indirectly	ADV
cblr-9983	1837	15	on	on	ADP
cblr-9983	1837	16	supervisory	supervisory	ADJ
cblr-9983	1837	17	activity	activity	NOUN
cblr-9983	1837	18	was	be	AUX
cblr-9983	1837	19	arbitrary	arbitrary	ADJ
cblr-9983	1837	20	or	or	CCONJ
cblr-9983	1837	21	capricious	capricious	ADJ
cblr-9983	1837	22	,	,	PUNCT
cblr-9983	1837	23	a	a	DET
cblr-9983	1837	24	court	court	NOUN
cblr-9983	1837	25	would	would	AUX
cblr-9983	1837	26	focus	focus	VERB
cblr-9983	1837	27	less	less	ADV
cblr-9983	1837	28	on	on	ADP
cblr-9983	1837	29	the	the	DET
cblr-9983	1837	30	specific	specific	ADJ
cblr-9983	1837	31	293	293	NUM
cblr-9983	1837	32	see	see	NOUN
cblr-9983	1837	33	schreiber	schreiber	PROPN
cblr-9983	1837	34	,	,	PUNCT
cblr-9983	1837	35	381	381	NUM
cblr-9983	1837	36	u.s	u.s	PROPN
cblr-9983	1837	37	.	.	PROPN
cblr-9983	1837	38	at	at	ADP
cblr-9983	1837	39	290	290	NUM
cblr-9983	1837	40	(	(	PUNCT
cblr-9983	1837	41	footnote	footnote	NOUN
cblr-9983	1837	42	omitted	omit	VERB
cblr-9983	1837	43	)	)	PUNCT
cblr-9983	1837	44	(	(	PUNCT
cblr-9983	1837	45	quoting	quote	VERB
cblr-9983	1837	46	fcc	fcc	PROPN
cblr-9983	1837	47	v.	v.	PROPN
cblr-9983	1837	48	pottsville	pottsville	PROPN
cblr-9983	1837	49	broad	broad	PROPN
cblr-9983	1837	50	.	.	PUNCT
cblr-9983	1838	1	co.	co.	PROPN
cblr-9983	1838	2	,	,	PUNCT
cblr-9983	1838	3	309	309	NUM
cblr-9983	1838	4	u.s	u.s	PROPN
cblr-9983	1838	5	.	.	PROPN
cblr-9983	1838	6	134	134	NUM
cblr-9983	1838	7	,	,	PUNCT
cblr-9983	1838	8	138	138	NUM
cblr-9983	1838	9	(	(	PUNCT
cblr-9983	1838	10	1940	1940	NUM
cblr-9983	1838	11	)	)	PUNCT
cblr-9983	1838	12	)	)	PUNCT
cblr-9983	1838	13	.	.	PUNCT
cblr-9983	1839	1	384	384	NUM
cblr-9983	1839	2	columbia	columbia	PROPN
cblr-9983	1839	3	business	business	NOUN
cblr-9983	1839	4	law	law	PROPN
cblr-9983	1839	5	review	review	NOUN
cblr-9983	1839	6	[	[	X
cblr-9983	1839	7	vol	vol	NOUN
cblr-9983	1839	8	.	.	PUNCT
cblr-9983	1840	1	2022	2022	NUM
cblr-9983	1840	2	action	action	NOUN
cblr-9983	1840	3	being	be	AUX
cblr-9983	1840	4	challenged	challenge	VERB
cblr-9983	1840	5	and	and	CCONJ
cblr-9983	1840	6	more	more	ADJ
cblr-9983	1840	7	on	on	ADP
cblr-9983	1840	8	the	the	DET
cblr-9983	1840	9	process	process	NOUN
cblr-9983	1840	10	that	that	PRON
cblr-9983	1840	11	produced	produce	VERB
cblr-9983	1840	12	it	it	PRON
cblr-9983	1840	13	.	.	PUNCT
cblr-9983	1841	1	so	so	ADV
cblr-9983	1841	2	,	,	PUNCT
cblr-9983	1841	3	in	in	ADP
cblr-9983	1841	4	the	the	DET
cblr-9983	1841	5	example	example	NOUN
cblr-9983	1841	6	discussed	discuss	VERB
cblr-9983	1841	7	in	in	ADP
cblr-9983	1841	8	part	part	NOUN
cblr-9983	1841	9	iii	iii	NOUN
cblr-9983	1841	10	,	,	PUNCT
cblr-9983	1841	11	courts	court	NOUN
cblr-9983	1841	12	would	would	AUX
cblr-9983	1841	13	not	not	PART
cblr-9983	1841	14	try	try	VERB
cblr-9983	1841	15	to	to	PART
cblr-9983	1841	16	determine	determine	VERB
cblr-9983	1841	17	whether	whether	SCONJ
cblr-9983	1841	18	a	a	DET
cblr-9983	1841	19	banking	banking	NOUN
cblr-9983	1841	20	agency	agency	NOUN
cblr-9983	1841	21	’s	’s	PART
cblr-9983	1841	22	supervisory	supervisory	ADJ
cblr-9983	1841	23	guidance	guidance	NOUN
cblr-9983	1841	24	on	on	ADP
cblr-9983	1841	25	the	the	DET
cblr-9983	1841	26	use	use	NOUN
cblr-9983	1841	27	of	of	ADP
cblr-9983	1841	28	ai	ai	ADJ
cblr-9983	1841	29	models	model	NOUN
cblr-9983	1841	30	crossed	cross	VERB
cblr-9983	1841	31	some	some	DET
cblr-9983	1841	32	elusive	elusive	ADJ
cblr-9983	1841	33	line	line	NOUN
cblr-9983	1841	34	into	into	ADP
cblr-9983	1841	35	the	the	DET
cblr-9983	1841	36	realm	realm	NOUN
cblr-9983	1841	37	of	of	ADP
cblr-9983	1841	38	“	"	PUNCT
cblr-9983	1841	39	practically	practically	ADV
cblr-9983	1841	40	binding	binding	ADJ
cblr-9983	1841	41	.	.	PUNCT
cblr-9983	1841	42	”	"	PUNCT
cblr-9983	1842	1	supervisory	supervisory	ADJ
cblr-9983	1842	2	communications	communication	NOUN
cblr-9983	1842	3	are	be	AUX
cblr-9983	1842	4	supposed	suppose	VERB
cblr-9983	1842	5	to	to	PART
cblr-9983	1842	6	have	have	VERB
cblr-9983	1842	7	influence	influence	NOUN
cblr-9983	1842	8	over	over	ADP
cblr-9983	1842	9	bank	bank	NOUN
cblr-9983	1842	10	practices	practice	NOUN
cblr-9983	1842	11	,	,	PUNCT
cblr-9983	1842	12	though	though	SCONJ
cblr-9983	1842	13	they	they	PRON
cblr-9983	1842	14	would	would	AUX
cblr-9983	1842	15	need	need	VERB
cblr-9983	1842	16	to	to	PART
cblr-9983	1842	17	be	be	AUX
cblr-9983	1842	18	supplemented	supplement	VERB
cblr-9983	1842	19	with	with	ADP
cblr-9983	1842	20	additional	additional	ADJ
cblr-9983	1842	21	formal	formal	ADJ
cblr-9983	1842	22	steps	step	NOUN
cblr-9983	1842	23	before	before	SCONJ
cblr-9983	1842	24	they	they	PRON
cblr-9983	1842	25	become	become	VERB
cblr-9983	1842	26	legally	legally	ADV
cblr-9983	1842	27	binding	binding	ADJ
cblr-9983	1842	28	and	and	CCONJ
cblr-9983	1842	29	enforceable	enforceable	ADJ
cblr-9983	1842	30	.	.	PUNCT
cblr-9983	1843	1	in	in	ADP
cblr-9983	1843	2	considering	consider	VERB
cblr-9983	1843	3	the	the	DET
cblr-9983	1843	4	consequences	consequence	NOUN
cblr-9983	1843	5	of	of	ADP
cblr-9983	1843	6	ignoring	ignore	VERB
cblr-9983	1843	7	specific	specific	ADJ
cblr-9983	1843	8	supervisory	supervisory	ADJ
cblr-9983	1843	9	guidance	guidance	NOUN
cblr-9983	1843	10	or	or	CCONJ
cblr-9983	1843	11	an	an	DET
cblr-9983	1843	12	mra	mra	NOUN
cblr-9983	1843	13	on	on	ADP
cblr-9983	1843	14	the	the	DET
cblr-9983	1843	15	overall	overall	ADJ
cblr-9983	1843	16	supervisory	supervisory	ADJ
cblr-9983	1843	17	relationship	relationship	NOUN
cblr-9983	1843	18	,	,	PUNCT
cblr-9983	1843	19	a	a	DET
cblr-9983	1843	20	bank	bank	NOUN
cblr-9983	1843	21	’s	’s	PART
cblr-9983	1843	22	executives	executive	NOUN
cblr-9983	1843	23	will	will	AUX
cblr-9983	1843	24	usually	usually	ADV
cblr-9983	1843	25	conclude	conclude	VERB
cblr-9983	1843	26	they	they	PRON
cblr-9983	1843	27	need	need	VERB
cblr-9983	1843	28	to	to	PART
cblr-9983	1843	29	be	be	AUX
cblr-9983	1843	30	at	at	ADP
cblr-9983	1843	31	least	least	ADJ
cblr-9983	1843	32	somewhat	somewhat	ADV
cblr-9983	1843	33	responsive	responsive	ADJ
cblr-9983	1843	34	.	.	PUNCT
cblr-9983	1844	1	a	a	DET
cblr-9983	1844	2	court	court	NOUN
cblr-9983	1844	3	would	would	AUX
cblr-9983	1844	4	instead	instead	ADV
cblr-9983	1844	5	examine	examine	VERB
cblr-9983	1844	6	whether	whether	SCONJ
cblr-9983	1844	7	governance	governance	NOUN
cblr-9983	1844	8	mechanisms	mechanism	NOUN
cblr-9983	1844	9	for	for	ADP
cblr-9983	1844	10	supervision	supervision	NOUN
cblr-9983	1844	11	established	establish	VERB
cblr-9983	1844	12	and	and	CCONJ
cblr-9983	1844	13	maintained	maintain	VERB
cblr-9983	1844	14	within	within	ADP
cblr-9983	1844	15	the	the	DET
cblr-9983	1844	16	agency	agency	NOUN
cblr-9983	1844	17	have	have	AUX
cblr-9983	1844	18	appropriately	appropriately	ADV
cblr-9983	1844	19	channeled	channel	VERB
cblr-9983	1844	20	the	the	DET
cblr-9983	1844	21	supervisory	supervisory	ADJ
cblr-9983	1844	22	action	action	NOUN
cblr-9983	1844	23	within	within	ADP
cblr-9983	1844	24	the	the	DET
cblr-9983	1844	25	iterative	iterative	ADJ
cblr-9983	1844	26	supervisory	supervisory	ADJ
cblr-9983	1844	27	relationship	relationship	NOUN
cblr-9983	1844	28	.	.	PUNCT
cblr-9983	1845	1	courts	court	NOUN
cblr-9983	1845	2	would	would	AUX
cblr-9983	1845	3	generally	generally	ADV
cblr-9983	1845	4	defer	defer	VERB
cblr-9983	1845	5	to	to	ADP
cblr-9983	1845	6	supervisory	supervisory	ADJ
cblr-9983	1845	7	actions	action	NOUN
cblr-9983	1845	8	where	where	SCONJ
cblr-9983	1845	9	appropriate	appropriate	ADJ
cblr-9983	1845	10	internal	internal	ADJ
cblr-9983	1845	11	procedures	procedure	NOUN
cblr-9983	1845	12	governing	govern	VERB
cblr-9983	1845	13	that	that	DET
cblr-9983	1845	14	relationship	relationship	NOUN
cblr-9983	1845	15	were	be	AUX
cblr-9983	1845	16	in	in	ADP
cblr-9983	1845	17	place	place	NOUN
cblr-9983	1845	18	.	.	PUNCT
cblr-9983	1846	1	specific	specific	ADJ
cblr-9983	1846	2	actions	action	NOUN
cblr-9983	1846	3	that	that	PRON
cblr-9983	1846	4	,	,	PUNCT
cblr-9983	1846	5	when	when	SCONJ
cblr-9983	1846	6	considered	consider	VERB
cblr-9983	1846	7	in	in	ADP
cblr-9983	1846	8	isolation	isolation	NOUN
cblr-9983	1846	9	,	,	PUNCT
cblr-9983	1846	10	could	could	AUX
cblr-9983	1846	11	be	be	AUX
cblr-9983	1846	12	argued	argue	VERB
cblr-9983	1846	13	to	to	PART
cblr-9983	1846	14	run	run	VERB
cblr-9983	1846	15	afoul	afoul	ADV
cblr-9983	1846	16	of	of	ADP
cblr-9983	1846	17	at	at	ADV
cblr-9983	1846	18	least	least	ADJ
cblr-9983	1846	19	some	some	PRON
cblr-9983	1846	20	interpretations	interpretation	NOUN
cblr-9983	1846	21	of	of	ADP
cblr-9983	1846	22	administrative	administrative	ADJ
cblr-9983	1846	23	law	law	NOUN
cblr-9983	1846	24	procedural	procedural	ADJ
cblr-9983	1846	25	requirements	requirement	NOUN
cblr-9983	1846	26	might	might	AUX
cblr-9983	1846	27	thus	thus	ADV
cblr-9983	1846	28	be	be	AUX
cblr-9983	1846	29	upheld.294	upheld.294	ADV
cblr-9983	1846	30	conversely	conversely	ADV
cblr-9983	1846	31	,	,	PUNCT
cblr-9983	1846	32	a	a	DET
cblr-9983	1846	33	court	court	NOUN
cblr-9983	1846	34	would	would	AUX
cblr-9983	1846	35	intrude	intrude	VERB
cblr-9983	1846	36	more	more	ADV
cblr-9983	1846	37	into	into	ADP
cblr-9983	1846	38	the	the	DET
cblr-9983	1846	39	process	process	NOUN
cblr-9983	1846	40	and	and	CCONJ
cblr-9983	1846	41	substance	substance	NOUN
cblr-9983	1846	42	of	of	ADP
cblr-9983	1846	43	significant	significant	ADJ
cblr-9983	1846	44	supervisory	supervisory	ADJ
cblr-9983	1846	45	action	action	NOUN
cblr-9983	1846	46	where	where	SCONJ
cblr-9983	1846	47	the	the	DET
cblr-9983	1846	48	internal	internal	ADJ
cblr-9983	1846	49	administrative	administrative	ADJ
cblr-9983	1846	50	processes	process	NOUN
cblr-9983	1846	51	were	be	AUX
cblr-9983	1846	52	found	find	VERB
cblr-9983	1846	53	wanting	want	VERB
cblr-9983	1846	54	.	.	PUNCT
cblr-9983	1847	1	it	it	PRON
cblr-9983	1847	2	is	be	AUX
cblr-9983	1847	3	thus	thus	ADV
cblr-9983	1847	4	possible	possible	ADJ
cblr-9983	1847	5	that	that	SCONJ
cblr-9983	1847	6	judicial	judicial	ADJ
cblr-9983	1847	7	deference	deference	NOUN
cblr-9983	1847	8	to	to	ADP
cblr-9983	1847	9	specific	specific	ADJ
cblr-9983	1847	10	actions	action	NOUN
cblr-9983	1847	11	taken	take	VERB
cblr-9983	1847	12	by	by	ADP
cblr-9983	1847	13	banking	banking	NOUN
cblr-9983	1847	14	agencies	agency	NOUN
cblr-9983	1847	15	—	—	PUNCT
cblr-9983	1847	16	i	i	PRON
cblr-9983	1847	17	have	have	VERB
cblr-9983	1847	18	ratings	rating	NOUN
cblr-9983	1847	19	decisions	decision	NOUN
cblr-9983	1847	20	particularly	particularly	ADV
cblr-9983	1847	21	in	in	ADP
cblr-9983	1847	22	mind	mind	NOUN
cblr-9983	1847	23	—	—	PUNCT
cblr-9983	1847	24	would	would	AUX
cblr-9983	1847	25	depend	depend	VERB
cblr-9983	1847	26	on	on	ADP
cblr-9983	1847	27	their	their	PRON
cblr-9983	1847	28	emanating	emanating	NOUN
cblr-9983	1847	29	from	from	ADP
cblr-9983	1847	30	a	a	DET
cblr-9983	1847	31	more	more	ADV
cblr-9983	1847	32	developed	developed	ADJ
cblr-9983	1847	33	internal	internal	ADJ
cblr-9983	1847	34	process	process	NOUN
cblr-9983	1847	35	than	than	SCONJ
cblr-9983	1847	36	is	be	AUX
cblr-9983	1847	37	required	require	VERB
cblr-9983	1847	38	by	by	ADP
cblr-9983	1847	39	current	current	ADJ
cblr-9983	1847	40	administrative	administrative	ADJ
cblr-9983	1847	41	law	law	NOUN
cblr-9983	1847	42	doctrines	doctrine	NOUN
cblr-9983	1847	43	.	.	PUNCT
cblr-9983	1848	1	how	how	SCONJ
cblr-9983	1848	2	courts	court	NOUN
cblr-9983	1848	3	would	would	AUX
cblr-9983	1848	4	evaluate	evaluate	VERB
cblr-9983	1848	5	the	the	DET
cblr-9983	1848	6	sufficiency	sufficiency	NOUN
cblr-9983	1848	7	of	of	ADP
cblr-9983	1848	8	an	an	DET
cblr-9983	1848	9	agency	agency	NOUN
cblr-9983	1848	10	’s	’s	PART
cblr-9983	1848	11	internal	internal	ADJ
cblr-9983	1848	12	administrative	administrative	ADJ
cblr-9983	1848	13	law	law	NOUN
cblr-9983	1848	14	is	be	AUX
cblr-9983	1848	15	obviously	obviously	ADV
cblr-9983	1848	16	a	a	DET
cblr-9983	1848	17	delicate	delicate	ADJ
cblr-9983	1848	18	issue	issue	NOUN
cblr-9983	1848	19	.	.	PUNCT
cblr-9983	1849	1	one	one	NUM
cblr-9983	1849	2	294	294	NUM
cblr-9983	1849	3	the	the	DET
cblr-9983	1849	4	proposal	proposal	NOUN
cblr-9983	1849	5	advanced	advance	VERB
cblr-9983	1849	6	here	here	ADV
cblr-9983	1849	7	is	be	AUX
cblr-9983	1849	8	addressed	address	VERB
cblr-9983	1849	9	to	to	ADP
cblr-9983	1849	10	supervisory	supervisory	ADJ
cblr-9983	1849	11	actions	action	NOUN
cblr-9983	1849	12	as	as	ADP
cblr-9983	1849	13	such	such	ADJ
cblr-9983	1849	14	—	—	PUNCT
cblr-9983	1849	15	ratings	rating	NOUN
cblr-9983	1849	16	,	,	PUNCT
cblr-9983	1849	17	mras	mras	ADJ
cblr-9983	1849	18	,	,	PUNCT
cblr-9983	1849	19	guidance	guidance	NOUN
cblr-9983	1849	20	,	,	PUNCT
cblr-9983	1849	21	and	and	CCONJ
cblr-9983	1849	22	the	the	DET
cblr-9983	1849	23	like	like	ADJ
cblr-9983	1849	24	.	.	PUNCT
cblr-9983	1850	1	it	it	PRON
cblr-9983	1850	2	does	do	AUX
cblr-9983	1850	3	not	not	PART
cblr-9983	1850	4	cover	cover	VERB
cblr-9983	1850	5	judicial	judicial	ADJ
cblr-9983	1850	6	review	review	NOUN
cblr-9983	1850	7	of	of	ADP
cblr-9983	1850	8	other	other	ADJ
cblr-9983	1850	9	banking	banking	NOUN
cblr-9983	1850	10	agency	agency	NOUN
cblr-9983	1850	11	actions	action	NOUN
cblr-9983	1850	12	,	,	PUNCT
cblr-9983	1850	13	such	such	ADJ
cblr-9983	1850	14	as	as	ADP
cblr-9983	1850	15	decisions	decision	NOUN
cblr-9983	1850	16	on	on	ADP
cblr-9983	1850	17	applications	application	NOUN
cblr-9983	1850	18	for	for	ADP
cblr-9983	1850	19	mergers	merger	NOUN
cblr-9983	1850	20	.	.	PUNCT
cblr-9983	1851	1	as	as	SCONJ
cblr-9983	1851	2	noted	note	VERB
cblr-9983	1851	3	earlier	early	ADV
cblr-9983	1851	4	,	,	PUNCT
cblr-9983	1851	5	supervisory	supervisory	ADJ
cblr-9983	1851	6	information	information	NOUN
cblr-9983	1851	7	may	may	AUX
cblr-9983	1851	8	be	be	AUX
cblr-9983	1851	9	an	an	DET
cblr-9983	1851	10	input	input	NOUN
cblr-9983	1851	11	into	into	ADP
cblr-9983	1851	12	agency	agency	NOUN
cblr-9983	1851	13	consideration	consideration	NOUN
cblr-9983	1851	14	of	of	ADP
cblr-9983	1851	15	one	one	NUM
cblr-9983	1851	16	or	or	CCONJ
cblr-9983	1851	17	more	more	ADJ
cblr-9983	1851	18	statutory	statutory	ADJ
cblr-9983	1851	19	factors	factor	NOUN
cblr-9983	1851	20	relevant	relevant	ADJ
cblr-9983	1851	21	to	to	ADP
cblr-9983	1851	22	these	these	DET
cblr-9983	1851	23	decisions	decision	NOUN
cblr-9983	1851	24	.	.	PUNCT
cblr-9983	1852	1	but	but	CCONJ
cblr-9983	1852	2	there	there	PRON
cblr-9983	1852	3	seems	seem	VERB
cblr-9983	1852	4	no	no	DET
cblr-9983	1852	5	reason	reason	NOUN
cblr-9983	1852	6	to	to	PART
cblr-9983	1852	7	modify	modify	VERB
cblr-9983	1852	8	the	the	DET
cblr-9983	1852	9	current	current	ADJ
cblr-9983	1852	10	approach	approach	NOUN
cblr-9983	1852	11	to	to	ADP
cblr-9983	1852	12	judicial	judicial	ADJ
cblr-9983	1852	13	review	review	NOUN
cblr-9983	1852	14	of	of	ADP
cblr-9983	1852	15	these	these	DET
cblr-9983	1852	16	actions	action	NOUN
cblr-9983	1852	17	.	.	PUNCT
cblr-9983	1853	1	no	no	INTJ
cblr-9983	1853	2	.	.	PUNCT
cblr-9983	1854	1	1:279	1:279	NOUN
cblr-9983	1854	2	]	]	X
cblr-9983	1854	3	bank	bank	NOUN
cblr-9983	1854	4	supervision	supervision	NOUN
cblr-9983	1854	5	and	and	CCONJ
cblr-9983	1854	6	administrative	administrative	ADJ
cblr-9983	1854	7	law	law	NOUN
cblr-9983	1854	8	385	385	NUM
cblr-9983	1854	9	can	can	AUX
cblr-9983	1854	10	readily	readily	ADV
cblr-9983	1854	11	imagine	imagine	VERB
cblr-9983	1854	12	judicial	judicial	ADJ
cblr-9983	1854	13	scrutiny	scrutiny	NOUN
cblr-9983	1854	14	moving	move	VERB
cblr-9983	1854	15	closer	close	ADV
cblr-9983	1854	16	to	to	ADP
cblr-9983	1854	17	de	de	X
cblr-9983	1854	18	facto	facto	X
cblr-9983	1854	19	judicial	judicial	ADJ
cblr-9983	1854	20	imposition	imposition	NOUN
cblr-9983	1854	21	of	of	ADP
cblr-9983	1854	22	a	a	DET
cblr-9983	1854	23	court	court	NOUN
cblr-9983	1854	24	’s	’s	PART
cblr-9983	1854	25	own	own	ADJ
cblr-9983	1854	26	preferred	preferred	ADJ
cblr-9983	1854	27	set	set	NOUN
cblr-9983	1854	28	of	of	ADP
cblr-9983	1854	29	procedures	procedure	NOUN
cblr-9983	1854	30	—	—	PUNCT
cblr-9983	1854	31	an	an	DET
cblr-9983	1854	32	outcome	outcome	NOUN
cblr-9983	1854	33	that	that	PRON
cblr-9983	1854	34	would	would	AUX
cblr-9983	1854	35	violate	violate	VERB
cblr-9983	1854	36	the	the	DET
cblr-9983	1854	37	premise	premise	NOUN
cblr-9983	1854	38	on	on	ADP
cblr-9983	1854	39	which	which	PRON
cblr-9983	1854	40	my	my	PRON
cblr-9983	1854	41	proposal	proposal	NOUN
cblr-9983	1854	42	rests	rest	VERB
cblr-9983	1854	43	and	and	CCONJ
cblr-9983	1854	44	,	,	PUNCT
cblr-9983	1854	45	possibly	possibly	ADV
cblr-9983	1854	46	,	,	PUNCT
cblr-9983	1854	47	vermont	vermont	PROPN
cblr-9983	1854	48	yankee	yankee	PROPN
cblr-9983	1854	49	.	.	PUNCT
cblr-9983	1855	1	however	however	ADV
cblr-9983	1855	2	,	,	PUNCT
cblr-9983	1855	3	similar	similar	ADJ
cblr-9983	1855	4	possibilities	possibility	NOUN
cblr-9983	1855	5	exist	exist	VERB
cblr-9983	1855	6	in	in	ADP
cblr-9983	1855	7	any	any	DET
cblr-9983	1855	8	doctrinal	doctrinal	ADJ
cblr-9983	1855	9	context	context	NOUN
cblr-9983	1855	10	in	in	ADP
cblr-9983	1855	11	which	which	PRON
cblr-9983	1855	12	the	the	DET
cblr-9983	1855	13	judiciary	judiciary	NOUN
cblr-9983	1855	14	says	say	VERB
cblr-9983	1855	15	it	it	PRON
cblr-9983	1855	16	has	have	AUX
cblr-9983	1855	17	established	establish	VERB
cblr-9983	1855	18	a	a	DET
cblr-9983	1855	19	deferential	deferential	ADJ
cblr-9983	1855	20	standard	standard	NOUN
cblr-9983	1855	21	of	of	ADP
cblr-9983	1855	22	review	review	NOUN
cblr-9983	1855	23	of	of	ADP
cblr-9983	1855	24	agency	agency	NOUN
cblr-9983	1855	25	action	action	NOUN
cblr-9983	1855	26	—	—	PUNCT
cblr-9983	1855	27	whether	whether	SCONJ
cblr-9983	1855	28	procedural	procedural	ADJ
cblr-9983	1855	29	,	,	PUNCT
cblr-9983	1855	30	substantive	substantive	ADJ
cblr-9983	1855	31	,	,	PUNCT
cblr-9983	1855	32	or	or	CCONJ
cblr-9983	1855	33	interpretive	interpretive	ADJ
cblr-9983	1855	34	.	.	PUNCT
cblr-9983	1856	1	as	as	ADP
cblr-9983	1856	2	in	in	ADP
cblr-9983	1856	3	those	those	DET
cblr-9983	1856	4	other	other	ADJ
cblr-9983	1856	5	contexts	contexts	NOUN
cblr-9983	1856	6	,	,	PUNCT
cblr-9983	1856	7	fidelity	fidelity	PROPN
cblr-9983	1856	8	to	to	ADP
cblr-9983	1856	9	the	the	DET
cblr-9983	1856	10	stated	state	VERB
cblr-9983	1856	11	standard	standard	NOUN
cblr-9983	1856	12	will	will	AUX
cblr-9983	1856	13	be	be	AUX
cblr-9983	1856	14	determined	determine	VERB
cblr-9983	1856	15	by	by	ADP
cblr-9983	1856	16	some	some	DET
cblr-9983	1856	17	combination	combination	NOUN
cblr-9983	1856	18	of	of	ADP
cblr-9983	1856	19	judicial	judicial	ADJ
cblr-9983	1856	20	self	self	NOUN
cblr-9983	1856	21	-	-	PUNCT
cblr-9983	1856	22	discipline	discipline	NOUN
cblr-9983	1856	23	and	and	CCONJ
cblr-9983	1856	24	the	the	DET
cblr-9983	1856	25	attention	attention	NOUN
cblr-9983	1856	26	paid	pay	VERB
cblr-9983	1856	27	by	by	ADP
cblr-9983	1856	28	higher	high	ADJ
cblr-9983	1856	29	courts	court	NOUN
cblr-9983	1856	30	when	when	SCONJ
cblr-9983	1856	31	lower	low	ADJ
cblr-9983	1856	32	courts	court	NOUN
cblr-9983	1856	33	drift	drift	VERB
cblr-9983	1856	34	away	away	ADV
cblr-9983	1856	35	from	from	ADP
cblr-9983	1856	36	it	it	PRON
cblr-9983	1856	37	.	.	PUNCT
cblr-9983	1857	1	the	the	DET
cblr-9983	1857	2	specification	specification	NOUN
cblr-9983	1857	3	and	and	CCONJ
cblr-9983	1857	4	elaboration	elaboration	NOUN
cblr-9983	1857	5	of	of	ADP
cblr-9983	1857	6	relevant	relevant	ADJ
cblr-9983	1857	7	norms	norm	NOUN
cblr-9983	1857	8	for	for	ADP
cblr-9983	1857	9	assessing	assess	VERB
cblr-9983	1857	10	internal	internal	ADJ
cblr-9983	1857	11	processes	process	NOUN
cblr-9983	1857	12	would	would	AUX
cblr-9983	1857	13	need	need	VERB
cblr-9983	1857	14	to	to	PART
cblr-9983	1857	15	evolve	evolve	VERB
cblr-9983	1857	16	over	over	ADP
cblr-9983	1857	17	time	time	NOUN
cblr-9983	1857	18	.	.	PUNCT
cblr-9983	1858	1	as	as	ADP
cblr-9983	1858	2	a	a	DET
cblr-9983	1858	3	starting	starting	NOUN
cblr-9983	1858	4	point	point	NOUN
cblr-9983	1858	5	,	,	PUNCT
cblr-9983	1858	6	let	let	VERB
cblr-9983	1858	7	me	i	PRON
cblr-9983	1858	8	suggest	suggest	VERB
cblr-9983	1858	9	five	five	NUM
cblr-9983	1858	10	.	.	PUNCT
cblr-9983	1859	1	first	first	ADV
cblr-9983	1859	2	,	,	PUNCT
cblr-9983	1859	3	internal	internal	ADJ
cblr-9983	1859	4	administrative	administrative	ADJ
cblr-9983	1859	5	law	law	NOUN
cblr-9983	1859	6	systems	system	NOUN
cblr-9983	1859	7	would	would	AUX
cblr-9983	1859	8	ensure	ensure	VERB
cblr-9983	1859	9	that	that	SCONJ
cblr-9983	1859	10	agency	agency	NOUN
cblr-9983	1859	11	principals	principal	NOUN
cblr-9983	1859	12	—	—	PUNCT
cblr-9983	1859	13	that	that	ADV
cblr-9983	1859	14	is	is	ADV
cblr-9983	1859	15	,	,	PUNCT
cblr-9983	1859	16	the	the	DET
cblr-9983	1859	17	presidentially	presidentially	NOUN
cblr-9983	1859	18	appointed	appoint	VERB
cblr-9983	1859	19	and	and	CCONJ
cblr-9983	1859	20	senate	senate	PROPN
cblr-9983	1859	21	confirmed	confirm	VERB
cblr-9983	1859	22	members	member	NOUN
cblr-9983	1859	23	of	of	ADP
cblr-9983	1859	24	the	the	DET
cblr-9983	1859	25	boards	board	NOUN
cblr-9983	1859	26	of	of	ADP
cblr-9983	1859	27	the	the	DET
cblr-9983	1859	28	federal	federal	PROPN
cblr-9983	1859	29	reserve	reserve	PROPN
cblr-9983	1859	30	and	and	CCONJ
cblr-9983	1859	31	the	the	DET
cblr-9983	1859	32	fdic	fdic	PROPN
cblr-9983	1859	33	,	,	PUNCT
cblr-9983	1859	34	as	as	ADV
cblr-9983	1859	35	well	well	ADV
cblr-9983	1859	36	as	as	ADP
cblr-9983	1859	37	the	the	DET
cblr-9983	1859	38	comptroller	comptroller	NOUN
cblr-9983	1859	39	of	of	ADP
cblr-9983	1859	40	the	the	DET
cblr-9983	1859	41	currency	currency	NOUN
cblr-9983	1859	42	—	—	PUNCT
cblr-9983	1859	43	set	set	VERB
cblr-9983	1859	44	the	the	DET
cblr-9983	1859	45	overall	overall	ADJ
cblr-9983	1859	46	structure	structure	NOUN
cblr-9983	1859	47	and	and	CCONJ
cblr-9983	1859	48	direction	direction	NOUN
cblr-9983	1859	49	of	of	ADP
cblr-9983	1859	50	the	the	DET
cblr-9983	1859	51	supervisory	supervisory	ADJ
cblr-9983	1859	52	function	function	NOUN
cblr-9983	1859	53	.	.	PUNCT
cblr-9983	1860	1	as	as	SCONJ
cblr-9983	1860	2	explained	explain	VERB
cblr-9983	1860	3	by	by	ADP
cblr-9983	1860	4	then	then	ADV
cblr-9983	1860	5	-	-	PUNCT
cblr-9983	1860	6	professors	professor	NOUN
cblr-9983	1860	7	barron	barron	PROPN
cblr-9983	1860	8	and	and	CCONJ
cblr-9983	1860	9	kagan	kagan	PROPN
cblr-9983	1860	10	in	in	ADP
cblr-9983	1860	11	the	the	DET
cblr-9983	1860	12	somewhat	somewhat	ADV
cblr-9983	1860	13	different	different	ADJ
cblr-9983	1860	14	context	context	NOUN
cblr-9983	1860	15	of	of	ADP
cblr-9983	1860	16	chevron	chevron	ADJ
cblr-9983	1860	17	deference	deference	NOUN
cblr-9983	1860	18	,	,	PUNCT
cblr-9983	1860	19	requiring	require	VERB
cblr-9983	1860	20	involvement	involvement	NOUN
cblr-9983	1860	21	of	of	ADP
cblr-9983	1860	22	the	the	DET
cblr-9983	1860	23	statutory	statutory	ADJ
cblr-9983	1860	24	recipients	recipient	NOUN
cblr-9983	1860	25	of	of	ADP
cblr-9983	1860	26	the	the	DET
cblr-9983	1860	27	authority	authority	NOUN
cblr-9983	1860	28	delegated	delegate	VERB
cblr-9983	1860	29	by	by	ADP
cblr-9983	1860	30	congress	congress	PROPN
cblr-9983	1860	31	promotes	promote	VERB
cblr-9983	1860	32	the	the	DET
cblr-9983	1860	33	aims	aim	NOUN
cblr-9983	1860	34	of	of	ADP
cblr-9983	1860	35	agency	agency	NOUN
cblr-9983	1860	36	accountability	accountability	NOUN
cblr-9983	1860	37	and	and	CCONJ
cblr-9983	1860	38	discipline	discipline	NOUN
cblr-9983	1860	39	that	that	PRON
cblr-9983	1860	40	lie	lie	VERB
cblr-9983	1860	41	at	at	ADP
cblr-9983	1860	42	the	the	DET
cblr-9983	1860	43	center	center	NOUN
cblr-9983	1860	44	of	of	ADP
cblr-9983	1860	45	much	much	ADJ
cblr-9983	1860	46	administrative	administrative	ADJ
cblr-9983	1860	47	law.295	law.295	NOUN
cblr-9983	1860	48	the	the	DET
cblr-9983	1860	49	policy	policy	NOUN
cblr-9983	1860	50	discretion	discretion	NOUN
cblr-9983	1860	51	granted	grant	VERB
cblr-9983	1860	52	by	by	ADP
cblr-9983	1860	53	congress	congress	PROPN
cblr-9983	1860	54	should	should	AUX
cblr-9983	1860	55	be	be	AUX
cblr-9983	1860	56	actively	actively	ADV
cblr-9983	1860	57	exercised	exercise	VERB
cblr-9983	1860	58	by	by	ADP
cblr-9983	1860	59	those	those	PRON
cblr-9983	1860	60	to	to	PART
cblr-9983	1860	61	whom	whom	PRON
cblr-9983	1860	62	it	it	PRON
cblr-9983	1860	63	has	have	VERB
cblr-9983	1860	64	295	295	NUM
cblr-9983	1860	65	david	david	PROPN
cblr-9983	1860	66	j.	j.	PROPN
cblr-9983	1860	67	barron	barron	PROPN
cblr-9983	1860	68	&	&	CCONJ
cblr-9983	1860	69	elena	elena	PROPN
cblr-9983	1860	70	kagan	kagan	PROPN
cblr-9983	1860	71	,	,	PUNCT
cblr-9983	1860	72	chevron	chevron	PROPN
cblr-9983	1860	73	’s	’s	PART
cblr-9983	1860	74	nondelegation	nondelegation	NOUN
cblr-9983	1860	75	doctrine	doctrine	NOUN
cblr-9983	1860	76	,	,	PUNCT
cblr-9983	1860	77	2001	2001	NUM
cblr-9983	1860	78	sup	sup	NOUN
cblr-9983	1860	79	.	.	PUNCT
cblr-9983	1861	1	ct	ct	AUX
cblr-9983	1861	2	.	.	PUNCT
cblr-9983	1861	3	rev	rev	PROPN
cblr-9983	1861	4	.	.	PROPN
cblr-9983	1861	5	201	201	NUM
cblr-9983	1861	6	,	,	PUNCT
cblr-9983	1861	7	204	204	NUM
cblr-9983	1861	8	(	(	PUNCT
cblr-9983	1861	9	2001	2001	NUM
cblr-9983	1861	10	)	)	PUNCT
cblr-9983	1861	11	.	.	PUNCT
cblr-9983	1862	1	this	this	DET
cblr-9983	1862	2	article	article	NOUN
cblr-9983	1862	3	,	,	PUNCT
cblr-9983	1862	4	written	write	VERB
cblr-9983	1862	5	just	just	ADV
cblr-9983	1862	6	after	after	ADP
cblr-9983	1862	7	united	united	PROPN
cblr-9983	1862	8	states	states	PROPN
cblr-9983	1862	9	v.	v.	PROPN
cblr-9983	1862	10	mead	mead	PROPN
cblr-9983	1862	11	corp	corp	PROPN
cblr-9983	1862	12	.	.	PROPN
cblr-9983	1862	13	,	,	PUNCT
cblr-9983	1862	14	533	533	NUM
cblr-9983	1862	15	u.s	u.s	PROPN
cblr-9983	1862	16	.	.	PROPN
cblr-9983	1862	17	218	218	NUM
cblr-9983	1862	18	(	(	PUNCT
cblr-9983	1862	19	2001	2001	NUM
cblr-9983	1862	20	)	)	PUNCT
cblr-9983	1862	21	,	,	PUNCT
cblr-9983	1862	22	presciently	presciently	ADV
cblr-9983	1862	23	argued	argue	VERB
cblr-9983	1862	24	that	that	SCONJ
cblr-9983	1862	25	the	the	DET
cblr-9983	1862	26	test	test	NOUN
cblr-9983	1862	27	for	for	ADP
cblr-9983	1862	28	application	application	NOUN
cblr-9983	1862	29	of	of	ADP
cblr-9983	1862	30	chevron	chevron	ADJ
cblr-9983	1862	31	deference	deference	NOUN
cblr-9983	1862	32	laid	lay	VERB
cblr-9983	1862	33	out	out	ADP
cblr-9983	1862	34	there	there	PRON
cblr-9983	1862	35	would	would	AUX
cblr-9983	1862	36	prove	prove	VERB
cblr-9983	1862	37	unworkable	unworkable	ADJ
cblr-9983	1862	38	.	.	PUNCT
cblr-9983	1863	1	i	i	PRON
cblr-9983	1863	2	d.	d.	PROPN
cblr-9983	1863	3	at	at	ADP
cblr-9983	1863	4	212–25	212–25	NOUN
cblr-9983	1863	5	.	.	PUNCT
cblr-9983	1864	1	in	in	ADP
cblr-9983	1864	2	an	an	DET
cblr-9983	1864	3	introductory	introductory	ADJ
cblr-9983	1864	4	comment	comment	NOUN
cblr-9983	1864	5	of	of	ADP
cblr-9983	1864	6	particular	particular	ADJ
cblr-9983	1864	7	relevance	relevance	NOUN
cblr-9983	1864	8	to	to	ADP
cblr-9983	1864	9	banking	banking	NOUN
cblr-9983	1864	10	supervision	supervision	NOUN
cblr-9983	1864	11	,	,	PUNCT
cblr-9983	1864	12	barron	barron	PROPN
cblr-9983	1864	13	and	and	CCONJ
cblr-9983	1864	14	kagan	kagan	PROPN
cblr-9983	1864	15	observed	observe	VERB
cblr-9983	1864	16	that	that	SCONJ
cblr-9983	1864	17	the	the	DET
cblr-9983	1864	18	mead	mead	NOUN
cblr-9983	1864	19	court	court	NOUN
cblr-9983	1864	20	’s	’s	PART
cblr-9983	1864	21	“	"	PUNCT
cblr-9983	1864	22	preference	preference	NOUN
cblr-9983	1864	23	for	for	ADP
cblr-9983	1864	24	formality	formality	NOUN
cblr-9983	1864	25	in	in	ADP
cblr-9983	1864	26	administration	administration	NOUN
cblr-9983	1864	27	,	,	PUNCT
cblr-9983	1864	28	even	even	ADV
cblr-9983	1864	29	in	in	ADP
cblr-9983	1864	30	cases	case	NOUN
cblr-9983	1864	31	when	when	SCONJ
cblr-9983	1864	32	not	not	PART
cblr-9983	1864	33	statutorily	statutorily	ADV
cblr-9983	1864	34	required	require	VERB
cblr-9983	1864	35	,	,	PUNCT
cblr-9983	1864	36	fails	fail	VERB
cblr-9983	1864	37	to	to	PART
cblr-9983	1864	38	acknowledge	acknowledge	VERB
cblr-9983	1864	39	the	the	DET
cblr-9983	1864	40	costs	cost	NOUN
cblr-9983	1864	41	associated	associate	VERB
cblr-9983	1864	42	with	with	ADP
cblr-9983	1864	43	the	the	DET
cblr-9983	1864	44	procedures	procedure	NOUN
cblr-9983	1864	45	specified	specify	VERB
cblr-9983	1864	46	in	in	ADP
cblr-9983	1864	47	the	the	DET
cblr-9983	1864	48	apa	apa	PROPN
cblr-9983	1864	49	,	,	PUNCT
cblr-9983	1864	50	which	which	PRON
cblr-9983	1864	51	only	only	ADV
cblr-9983	1864	52	have	have	AUX
cblr-9983	1864	53	increased	increase	VERB
cblr-9983	1864	54	in	in	ADP
cblr-9983	1864	55	significance	significance	NOUN
cblr-9983	1864	56	since	since	SCONJ
cblr-9983	1864	57	that	that	DET
cblr-9983	1864	58	statute	statute	PROPN
cblr-9983	1864	59	’s	’s	PART
cblr-9983	1864	60	enactment	enactment	NOUN
cblr-9983	1864	61	.	.	PUNCT
cblr-9983	1864	62	”	"	PUNCT
cblr-9983	1865	1	i	i	PRON
cblr-9983	1865	2	d.	d.	VERB
cblr-9983	1865	3	at	at	ADP
cblr-9983	1865	4	203–04	203–04	NUM
cblr-9983	1865	5	;	;	PUNCT
cblr-9983	1865	6	see	see	VERB
cblr-9983	1865	7	also	also	ADV
cblr-9983	1865	8	gillian	gillian	PROPN
cblr-9983	1865	9	b.	b.	PROPN
cblr-9983	1865	10	metzger	metzger	PROPN
cblr-9983	1865	11	,	,	PUNCT
cblr-9983	1865	12	the	the	DET
cblr-9983	1865	13	constitutional	constitutional	ADJ
cblr-9983	1865	14	duty	duty	NOUN
cblr-9983	1865	15	to	to	PART
cblr-9983	1865	16	supervise	supervise	VERB
cblr-9983	1865	17	,	,	PUNCT
cblr-9983	1865	18	124	124	NUM
cblr-9983	1865	19	yale	yale	PROPN
cblr-9983	1865	20	l.	l.	PROPN
cblr-9983	1865	21	j.	j.	PROPN
cblr-9983	1865	22	1836	1836	NUM
cblr-9983	1865	23	,	,	PUNCT
cblr-9983	1865	24	1846	1846	NUM
cblr-9983	1865	25	(	(	PUNCT
cblr-9983	1865	26	2015	2015	NUM
cblr-9983	1865	27	)	)	PUNCT
cblr-9983	1865	28	(	(	PUNCT
cblr-9983	1865	29	“	"	PUNCT
cblr-9983	1865	30	systemic	systemic	ADJ
cblr-9983	1865	31	administration	administration	NOUN
cblr-9983	1865	32	and	and	CCONJ
cblr-9983	1865	33	internal	internal	ADJ
cblr-9983	1865	34	oversight	oversight	NOUN
cblr-9983	1865	35	are	be	AUX
cblr-9983	1865	36	becoming	become	VERB
cblr-9983	1865	37	increasingly	increasingly	ADV
cblr-9983	1865	38	central	central	ADJ
cblr-9983	1865	39	mechanisms	mechanism	NOUN
cblr-9983	1865	40	for	for	ADP
cblr-9983	1865	41	ensuring	ensure	VERB
cblr-9983	1865	42	accountability	accountability	NOUN
cblr-9983	1865	43	in	in	ADP
cblr-9983	1865	44	government	government	NOUN
cblr-9983	1865	45	operations	operation	NOUN
cblr-9983	1865	46	and	and	CCONJ
cblr-9983	1865	47	programs	program	NOUN
cblr-9983	1865	48	.	.	PUNCT
cblr-9983	1865	49	”	"	PUNCT
cblr-9983	1865	50	)	)	PUNCT
cblr-9983	1865	51	.	.	PUNCT
cblr-9983	1866	1	386	386	NUM
cblr-9983	1866	2	columbia	columbia	PROPN
cblr-9983	1866	3	business	business	NOUN
cblr-9983	1866	4	law	law	PROPN
cblr-9983	1866	5	review	review	NOUN
cblr-9983	1866	6	[	[	X
cblr-9983	1866	7	vol	vol	NOUN
cblr-9983	1866	8	.	.	PUNCT
cblr-9983	1866	9	2022	2022	NUM
cblr-9983	1866	10	been	be	AUX
cblr-9983	1866	11	granted	grant	VERB
cblr-9983	1866	12	.	.	PUNCT
cblr-9983	1867	1	agency	agency	NOUN
cblr-9983	1867	2	principals	principal	NOUN
cblr-9983	1867	3	not	not	PART
cblr-9983	1867	4	only	only	ADV
cblr-9983	1867	5	have	have	VERB
cblr-9983	1867	6	that	that	DET
cblr-9983	1867	7	statutory	statutory	ADJ
cblr-9983	1867	8	responsibility	responsibility	NOUN
cblr-9983	1867	9	.	.	PUNCT
cblr-9983	1868	1	sitting	sit	VERB
cblr-9983	1868	2	atop	atop	ADP
cblr-9983	1868	3	their	their	PRON
cblr-9983	1868	4	agencies	agency	NOUN
cblr-9983	1868	5	,	,	PUNCT
cblr-9983	1868	6	they	they	PRON
cblr-9983	1868	7	are	be	AUX
cblr-9983	1868	8	also	also	ADV
cblr-9983	1868	9	best	well	ADV
cblr-9983	1868	10	positioned	position	VERB
cblr-9983	1868	11	to	to	PART
cblr-9983	1868	12	prioritize	prioritize	VERB
cblr-9983	1868	13	policy	policy	NOUN
cblr-9983	1868	14	and	and	CCONJ
cblr-9983	1868	15	resource	resource	NOUN
cblr-9983	1868	16	demands	demand	NOUN
cblr-9983	1868	17	.	.	PUNCT
cblr-9983	1869	1	in	in	ADP
cblr-9983	1869	2	the	the	DET
cblr-9983	1869	3	context	context	NOUN
cblr-9983	1869	4	of	of	ADP
cblr-9983	1869	5	bank	bank	PROPN
cblr-9983	1869	6	supervision	supervision	NOUN
cblr-9983	1869	7	,	,	PUNCT
cblr-9983	1869	8	a	a	DET
cblr-9983	1869	9	reasonable	reasonable	ADJ
cblr-9983	1869	10	application	application	NOUN
cblr-9983	1869	11	of	of	ADP
cblr-9983	1869	12	this	this	DET
cblr-9983	1869	13	norm	norm	NOUN
cblr-9983	1869	14	might	might	AUX
cblr-9983	1869	15	entail	entail	VERB
cblr-9983	1869	16	two	two	NUM
cblr-9983	1869	17	elements	element	NOUN
cblr-9983	1869	18	.	.	PUNCT
cblr-9983	1870	1	one	one	NUM
cblr-9983	1870	2	is	be	AUX
cblr-9983	1870	3	that	that	SCONJ
cblr-9983	1870	4	agency	agency	NOUN
cblr-9983	1870	5	principals	principal	NOUN
cblr-9983	1870	6	would	would	AUX
cblr-9983	1870	7	themselves	themselves	PRON
cblr-9983	1870	8	consider	consider	VERB
cblr-9983	1870	9	and	and	CCONJ
cblr-9983	1870	10	approve	approve	VERB
cblr-9983	1870	11	the	the	DET
cblr-9983	1870	12	framework	framework	NOUN
cblr-9983	1870	13	for	for	ADP
cblr-9983	1870	14	formulating	formulate	VERB
cblr-9983	1870	15	and	and	CCONJ
cblr-9983	1870	16	applying	apply	VERB
cblr-9983	1870	17	supervisory	supervisory	ADJ
cblr-9983	1870	18	policies	policy	NOUN
cblr-9983	1870	19	—	—	PUNCT
cblr-9983	1870	20	that	that	ADV
cblr-9983	1870	21	is	is	ADV
cblr-9983	1870	22	,	,	PUNCT
cblr-9983	1870	23	the	the	DET
cblr-9983	1870	24	internal	internal	ADJ
cblr-9983	1870	25	administrative	administrative	ADJ
cblr-9983	1870	26	law	law	NOUN
cblr-9983	1870	27	that	that	PRON
cblr-9983	1870	28	would	would	AUX
cblr-9983	1870	29	at	at	ADV
cblr-9983	1870	30	least	least	ADJ
cblr-9983	1870	31	presumptively	presumptively	ADV
cblr-9983	1870	32	validate	validate	VERB
cblr-9983	1870	33	the	the	DET
cblr-9983	1870	34	resulting	result	VERB
cblr-9983	1870	35	specific	specific	ADJ
cblr-9983	1870	36	supervisory	supervisory	ADJ
cblr-9983	1870	37	actions	action	NOUN
cblr-9983	1870	38	.	.	PUNCT
cblr-9983	1871	1	the	the	DET
cblr-9983	1871	2	other	other	ADJ
cblr-9983	1871	3	is	be	AUX
cblr-9983	1871	4	that	that	SCONJ
cblr-9983	1871	5	principals	principal	NOUN
cblr-9983	1871	6	should	should	AUX
cblr-9983	1871	7	pass	pass	VERB
cblr-9983	1871	8	on	on	ADP
cblr-9983	1871	9	the	the	DET
cblr-9983	1871	10	main	main	ADJ
cblr-9983	1871	11	elements	element	NOUN
cblr-9983	1871	12	of	of	ADP
cblr-9983	1871	13	their	their	PRON
cblr-9983	1871	14	agencies	agency	NOUN
cblr-9983	1871	15	’	'	PUNCT
cblr-9983	1871	16	supervisory	supervisory	ADJ
cblr-9983	1871	17	programs	program	NOUN
cblr-9983	1871	18	such	such	ADJ
cblr-9983	1871	19	as	as	ADP
cblr-9983	1871	20	priority	priority	NOUN
cblr-9983	1871	21	areas	area	NOUN
cblr-9983	1871	22	for	for	ADP
cblr-9983	1871	23	supervisory	supervisory	ADJ
cblr-9983	1871	24	emphasis	emphasis	NOUN
cblr-9983	1871	25	,	,	PUNCT
cblr-9983	1871	26	significant	significant	ADJ
cblr-9983	1871	27	horizontal	horizontal	ADJ
cblr-9983	1871	28	reviews,296	reviews,296	NOUN
cblr-9983	1871	29	and	and	CCONJ
cblr-9983	1871	30	major	major	ADJ
cblr-9983	1871	31	pieces	piece	NOUN
cblr-9983	1871	32	of	of	ADP
cblr-9983	1871	33	written	write	VERB
cblr-9983	1871	34	guidance	guidance	NOUN
cblr-9983	1871	35	.	.	PUNCT
cblr-9983	1872	1	the	the	DET
cblr-9983	1872	2	organizational	organizational	ADJ
cblr-9983	1872	3	means	mean	NOUN
cblr-9983	1872	4	by	by	ADP
cblr-9983	1872	5	which	which	PRON
cblr-9983	1872	6	principals	principal	NOUN
cblr-9983	1872	7	fulfil	fulfil	VERB
cblr-9983	1872	8	these	these	DET
cblr-9983	1872	9	responsibilities	responsibility	NOUN
cblr-9983	1872	10	would	would	AUX
cblr-9983	1872	11	be	be	AUX
cblr-9983	1872	12	left	leave	VERB
cblr-9983	1872	13	to	to	ADP
cblr-9983	1872	14	each	each	DET
cblr-9983	1872	15	banking	banking	NOUN
cblr-9983	1872	16	agency	agency	NOUN
cblr-9983	1872	17	.	.	PUNCT
cblr-9983	1873	1	there	there	PRON
cblr-9983	1873	2	may	may	AUX
cblr-9983	1873	3	be	be	AUX
cblr-9983	1873	4	variation	variation	NOUN
cblr-9983	1873	5	on	on	ADP
cblr-9983	1873	6	the	the	DET
cblr-9983	1873	7	engagement	engagement	NOUN
cblr-9983	1873	8	of	of	ADP
cblr-9983	1873	9	agency	agency	NOUN
cblr-9983	1873	10	principals	principal	NOUN
cblr-9983	1873	11	.	.	PUNCT
cblr-9983	1874	1	for	for	ADP
cblr-9983	1874	2	example	example	NOUN
cblr-9983	1874	3	,	,	PUNCT
cblr-9983	1874	4	the	the	DET
cblr-9983	1874	5	vice	vice	NOUN
cblr-9983	1874	6	chair	chair	NOUN
cblr-9983	1874	7	for	for	ADP
cblr-9983	1874	8	supervision	supervision	NOUN
cblr-9983	1874	9	at	at	ADP
cblr-9983	1874	10	the	the	DET
cblr-9983	1874	11	federal	federal	PROPN
cblr-9983	1874	12	reserve	reserve	PROPN
cblr-9983	1874	13	would	would	AUX
cblr-9983	1874	14	presumably	presumably	ADV
cblr-9983	1874	15	assume	assume	VERB
cblr-9983	1874	16	a	a	DET
cblr-9983	1874	17	disproportionate	disproportionate	ADJ
cblr-9983	1874	18	share	share	NOUN
cblr-9983	1874	19	of	of	ADP
cblr-9983	1874	20	board	board	NOUN
cblr-9983	1874	21	oversight	oversight	NOUN
cblr-9983	1874	22	,	,	PUNCT
cblr-9983	1874	23	as	as	ADP
cblr-9983	1874	24	at	at	ADP
cblr-9983	1874	25	present	present	NOUN
cblr-9983	1874	26	,	,	PUNCT
cblr-9983	1874	27	though	though	SCONJ
cblr-9983	1874	28	there	there	PRON
cblr-9983	1874	29	should	should	AUX
cblr-9983	1874	30	be	be	AUX
cblr-9983	1874	31	regular	regular	ADJ
cblr-9983	1874	32	involvement	involvement	NOUN
cblr-9983	1874	33	of	of	ADP
cblr-9983	1874	34	the	the	DET
cblr-9983	1874	35	full	full	ADJ
cblr-9983	1874	36	board	board	NOUN
cblr-9983	1874	37	,	,	PUNCT
cblr-9983	1874	38	which	which	PRON
cblr-9983	1874	39	is	be	AUX
cblr-9983	1874	40	the	the	DET
cblr-9983	1874	41	specified	specify	VERB
cblr-9983	1874	42	delegee	delegee	NOUN
cblr-9983	1874	43	of	of	ADP
cblr-9983	1874	44	statutory	statutory	ADJ
cblr-9983	1874	45	authority	authority	NOUN
cblr-9983	1874	46	for	for	ADP
cblr-9983	1874	47	prudential	prudential	PROPN
cblr-9983	1874	48	regulation.297	regulation.297	PROPN
cblr-9983	1874	49	296	296	NUM
cblr-9983	1874	50	in	in	ADP
cblr-9983	1874	51	supervisory	supervisory	ADJ
cblr-9983	1874	52	parlance	parlance	NOUN
cblr-9983	1874	53	,	,	PUNCT
cblr-9983	1874	54	a	a	DET
cblr-9983	1874	55	“	"	PUNCT
cblr-9983	1874	56	horizontal	horizontal	ADJ
cblr-9983	1874	57	review	review	NOUN
cblr-9983	1874	58	”	"	PUNCT
cblr-9983	1874	59	is	be	AUX
cblr-9983	1874	60	an	an	DET
cblr-9983	1874	61	examination	examination	NOUN
cblr-9983	1874	62	of	of	ADP
cblr-9983	1874	63	a	a	DET
cblr-9983	1874	64	specific	specific	ADJ
cblr-9983	1874	65	issue	issue	NOUN
cblr-9983	1874	66	across	across	ADP
cblr-9983	1874	67	one	one	NUM
cblr-9983	1874	68	or	or	CCONJ
cblr-9983	1874	69	more	more	ADJ
cblr-9983	1874	70	categories	category	NOUN
cblr-9983	1874	71	of	of	ADP
cblr-9983	1874	72	banks	bank	NOUN
cblr-9983	1874	73	,	,	PUNCT
cblr-9983	1874	74	such	such	ADJ
cblr-9983	1874	75	as	as	ADP
cblr-9983	1874	76	commercial	commercial	ADJ
cblr-9983	1874	77	real	real	ADJ
cblr-9983	1874	78	estate	estate	NOUN
cblr-9983	1874	79	underwriting	underwriting	NOUN
cblr-9983	1874	80	and	and	CCONJ
cblr-9983	1874	81	exposures	exposure	NOUN
cblr-9983	1874	82	.	.	PUNCT
cblr-9983	1875	1	depending	depend	VERB
cblr-9983	1875	2	on	on	ADP
cblr-9983	1875	3	their	their	PRON
cblr-9983	1875	4	scope	scope	NOUN
cblr-9983	1875	5	and	and	CCONJ
cblr-9983	1875	6	whether	whether	SCONJ
cblr-9983	1875	7	they	they	PRON
cblr-9983	1875	8	involve	involve	VERB
cblr-9983	1875	9	more	more	ADJ
cblr-9983	1875	10	than	than	ADP
cblr-9983	1875	11	one	one	NUM
cblr-9983	1875	12	supervisory	supervisory	ADJ
cblr-9983	1875	13	portfolio	portfolio	NOUN
cblr-9983	1875	14	,	,	PUNCT
cblr-9983	1875	15	a	a	DET
cblr-9983	1875	16	horizontal	horizontal	ADJ
cblr-9983	1875	17	review	review	NOUN
cblr-9983	1875	18	can	can	AUX
cblr-9983	1875	19	occupy	occupy	VERB
cblr-9983	1875	20	substantial	substantial	ADJ
cblr-9983	1875	21	supervisory	supervisory	ADJ
cblr-9983	1875	22	resources	resource	NOUN
cblr-9983	1875	23	.	.	PUNCT
cblr-9983	1876	1	the	the	DET
cblr-9983	1876	2	shared	share	VERB
cblr-9983	1876	3	national	national	ADJ
cblr-9983	1876	4	credit	credit	NOUN
cblr-9983	1876	5	review	review	NOUN
cblr-9983	1876	6	program	program	NOUN
cblr-9983	1876	7	is	be	AUX
cblr-9983	1876	8	a	a	DET
cblr-9983	1876	9	longstanding	longstanding	ADJ
cblr-9983	1876	10	interagency	interagency	NOUN
cblr-9983	1876	11	review	review	NOUN
cblr-9983	1876	12	of	of	ADP
cblr-9983	1876	13	large	large	ADJ
cblr-9983	1876	14	and	and	CCONJ
cblr-9983	1876	15	complex	complex	ADJ
cblr-9983	1876	16	credits	credit	NOUN
cblr-9983	1876	17	across	across	ADP
cblr-9983	1876	18	a	a	DET
cblr-9983	1876	19	range	range	NOUN
cblr-9983	1876	20	of	of	ADP
cblr-9983	1876	21	institutions	institution	NOUN
cblr-9983	1876	22	.	.	PUNCT
cblr-9983	1877	1	the	the	DET
cblr-9983	1877	2	banking	banking	NOUN
cblr-9983	1877	3	agencies	agency	NOUN
cblr-9983	1877	4	annually	annually	ADV
cblr-9983	1877	5	publish	publish	VERB
cblr-9983	1877	6	a	a	DET
cblr-9983	1877	7	joint	joint	ADJ
cblr-9983	1877	8	report	report	NOUN
cblr-9983	1877	9	of	of	ADP
cblr-9983	1877	10	their	their	PRON
cblr-9983	1877	11	overall	overall	ADJ
cblr-9983	1877	12	findings	finding	NOUN
cblr-9983	1877	13	.	.	PUNCT
cblr-9983	1878	1	see	see	VERB
cblr-9983	1878	2	shared	share	VERB
cblr-9983	1878	3	national	national	ADJ
cblr-9983	1878	4	credit	credit	NOUN
cblr-9983	1878	5	program	program	NOUN
cblr-9983	1878	6	,	,	PUNCT
cblr-9983	1878	7	bd	bd	PROPN
cblr-9983	1878	8	.	.	PROPN
cblr-9983	1878	9	of	of	ADP
cblr-9983	1878	10	governors	governor	NOUN
cblr-9983	1878	11	of	of	ADP
cblr-9983	1878	12	the	the	DET
cblr-9983	1878	13	fed	fed	PROPN
cblr-9983	1878	14	.	.	PUNCT
cblr-9983	1879	1	rsrv	rsrv	PROPN
cblr-9983	1879	2	.	.	PUNCT
cblr-9983	1880	1	sys	sys	PROPN
cblr-9983	1880	2	.	.	PUNCT
cblr-9983	1881	1	(	(	PUNCT
cblr-9983	1881	2	mar	mar	PROPN
cblr-9983	1881	3	.	.	PROPN
cblr-9983	1881	4	9	9	NUM
cblr-9983	1881	5	,	,	PUNCT
cblr-9983	1881	6	2017	2017	NUM
cblr-9983	1881	7	)	)	PUNCT
cblr-9983	1881	8	,	,	PUNCT
cblr-9983	1881	9	https://www.federalreserve.gov/supervisionreg/snc.htm	https://www.federalreserve.gov/supervisionreg/snc.htm	X
cblr-9983	1882	1	[	[	X
cblr-9983	1882	2	https://perma.cc/rqu4-vlpd	https://perma.cc/rqu4-vlpd	X
cblr-9983	1882	3	]	]	PUNCT
cblr-9983	1882	4	(	(	PUNCT
cblr-9983	1882	5	providing	provide	VERB
cblr-9983	1882	6	annual	annual	ADJ
cblr-9983	1882	7	reports	report	NOUN
cblr-9983	1882	8	)	)	PUNCT
cblr-9983	1882	9	.	.	PUNCT
cblr-9983	1883	1	oral	oral	ADJ
cblr-9983	1883	2	and/or	and/or	CCONJ
cblr-9983	1883	3	written	write	VERB
cblr-9983	1883	4	communication	communication	NOUN
cblr-9983	1883	5	of	of	ADP
cblr-9983	1883	6	specific	specific	ADJ
cblr-9983	1883	7	supervisory	supervisory	ADJ
cblr-9983	1883	8	findings	finding	NOUN
cblr-9983	1883	9	are	be	AUX
cblr-9983	1883	10	regularly	regularly	ADV
cblr-9983	1883	11	communicated	communicate	VERB
cblr-9983	1883	12	to	to	ADP
cblr-9983	1883	13	the	the	DET
cblr-9983	1883	14	banks	bank	NOUN
cblr-9983	1883	15	.	.	PUNCT
cblr-9983	1884	1	297	297	NUM
cblr-9983	1884	2	unlike	unlike	ADP
cblr-9983	1884	3	the	the	DET
cblr-9983	1884	4	board	board	NOUN
cblr-9983	1884	5	of	of	ADP
cblr-9983	1884	6	governors	governor	NOUN
cblr-9983	1884	7	,	,	PUNCT
cblr-9983	1884	8	at	at	ADP
cblr-9983	1884	9	which	which	PRON
cblr-9983	1884	10	executive	executive	ADJ
cblr-9983	1884	11	and	and	CCONJ
cblr-9983	1884	12	managerial	managerial	ADJ
cblr-9983	1884	13	responsibilities	responsibility	NOUN
cblr-9983	1884	14	have	have	AUX
cblr-9983	1884	15	traditionally	traditionally	ADV
cblr-9983	1884	16	been	be	AUX
cblr-9983	1884	17	allocated	allocate	VERB
cblr-9983	1884	18	among	among	ADP
cblr-9983	1884	19	board	board	NOUN
cblr-9983	1884	20	members	member	NOUN
cblr-9983	1885	1	,	,	PUNCT
cblr-9983	1885	2	the	the	DET
cblr-9983	1885	3	chair	chair	NOUN
cblr-9983	1885	4	of	of	ADP
cblr-9983	1885	5	the	the	DET
cblr-9983	1885	6	fdic	fdic	PROPN
cblr-9983	1885	7	has	have	AUX
cblr-9983	1885	8	generally	generally	ADV
cblr-9983	1885	9	reserved	reserve	VERB
cblr-9983	1885	10	to	to	ADP
cblr-9983	1885	11	himself	himself	PRON
cblr-9983	1885	12	or	or	CCONJ
cblr-9983	1885	13	herself	herself	PRON
cblr-9983	1885	14	nearly	nearly	ADV
cblr-9983	1885	15	all	all	PRON
cblr-9983	1885	16	such	such	ADJ
cblr-9983	1885	17	responsibilities	responsibility	NOUN
cblr-9983	1885	18	.	.	PUNCT
cblr-9983	1886	1	so	so	ADV
cblr-9983	1886	2	there	there	ADV
cblr-9983	1886	3	the	the	DET
cblr-9983	1886	4	chair	chair	NOUN
cblr-9983	1886	5	would	would	AUX
cblr-9983	1886	6	likely	likely	ADV
cblr-9983	1886	7	individually	individually	ADV
cblr-9983	1886	8	conduct	conduct	VERB
cblr-9983	1886	9	much	much	ADJ
cblr-9983	1886	10	of	of	ADP
cblr-9983	1886	11	the	the	DET
cblr-9983	1886	12	oversight	oversight	NOUN
cblr-9983	1886	13	but	but	CCONJ
cblr-9983	1886	14	,	,	PUNCT
cblr-9983	1886	15	again	again	ADV
cblr-9983	1886	16	,	,	PUNCT
cblr-9983	1886	17	there	there	PRON
cblr-9983	1886	18	should	should	AUX
cblr-9983	1886	19	be	be	AUX
cblr-9983	1886	20	regular	regular	ADJ
cblr-9983	1886	21	opportunities	opportunity	NOUN
cblr-9983	1886	22	for	for	ADP
cblr-9983	1886	23	no	no	NOUN
cblr-9983	1886	24	.	.	PUNCT
cblr-9983	1887	1	1:279	1:279	NOUN
cblr-9983	1887	2	]	]	X
cblr-9983	1887	3	bank	bank	NOUN
cblr-9983	1887	4	supervision	supervision	NOUN
cblr-9983	1887	5	and	and	CCONJ
cblr-9983	1887	6	administrative	administrative	ADJ
cblr-9983	1887	7	law	law	NOUN
cblr-9983	1887	8	387	387	NUM
cblr-9983	1887	9	it	it	PRON
cblr-9983	1887	10	is	be	AUX
cblr-9983	1887	11	important	important	ADJ
cblr-9983	1887	12	,	,	PUNCT
cblr-9983	1887	13	though	though	ADV
cblr-9983	1887	14	,	,	PUNCT
cblr-9983	1887	15	that	that	SCONJ
cblr-9983	1887	16	a	a	DET
cblr-9983	1887	17	court	court	NOUN
cblr-9983	1887	18	not	not	PART
cblr-9983	1887	19	slip	slip	VERB
cblr-9983	1887	20	into	into	ADP
cblr-9983	1887	21	the	the	DET
cblr-9983	1887	22	implicit	implicit	ADJ
cblr-9983	1887	23	expectation	expectation	NOUN
cblr-9983	1887	24	that	that	SCONJ
cblr-9983	1887	25	principals	principal	NOUN
cblr-9983	1887	26	will	will	AUX
cblr-9983	1887	27	have	have	VERB
cblr-9983	1887	28	in	in	ADP
cblr-9983	1887	29	some	some	DET
cblr-9983	1887	30	fashion	fashion	NOUN
cblr-9983	1887	31	directly	directly	ADV
cblr-9983	1887	32	approved	approve	VERB
cblr-9983	1887	33	all	all	DET
cblr-9983	1887	34	consequential	consequential	ADJ
cblr-9983	1887	35	supervisory	supervisory	ADJ
cblr-9983	1887	36	actions.298	actions.298	NOUN
cblr-9983	1887	37	the	the	DET
cblr-9983	1887	38	same	same	ADJ
cblr-9983	1887	39	banking	banking	NOUN
cblr-9983	1887	40	characteristics	characteristic	NOUN
cblr-9983	1887	41	of	of	ADP
cblr-9983	1887	42	opaque	opaque	ADJ
cblr-9983	1887	43	balance	balance	NOUN
cblr-9983	1887	44	sheets	sheet	NOUN
cblr-9983	1887	45	,	,	PUNCT
cblr-9983	1887	46	heterogenous	heterogenous	ADJ
cblr-9983	1887	47	activities	activity	NOUN
cblr-9983	1887	48	and	and	CCONJ
cblr-9983	1887	49	often	often	ADV
cblr-9983	1887	50	fast	fast	ADV
cblr-9983	1887	51	-	-	PUNCT
cblr-9983	1887	52	changing	change	VERB
cblr-9983	1887	53	risk	risk	NOUN
cblr-9983	1887	54	profiles	profile	NOUN
cblr-9983	1887	55	that	that	PRON
cblr-9983	1887	56	explain	explain	VERB
cblr-9983	1887	57	the	the	DET
cblr-9983	1887	58	utility	utility	NOUN
cblr-9983	1887	59	of	of	ADP
cblr-9983	1887	60	the	the	DET
cblr-9983	1887	61	supervisory	supervisory	ADJ
cblr-9983	1887	62	function	function	NOUN
cblr-9983	1887	63	also	also	ADV
cblr-9983	1887	64	explain	explain	VERB
cblr-9983	1887	65	why	why	SCONJ
cblr-9983	1887	66	line	line	NOUN
cblr-9983	1887	67	supervisors	supervisor	NOUN
cblr-9983	1887	68	must	must	AUX
cblr-9983	1887	69	regularly	regularly	ADV
cblr-9983	1887	70	exercise	exercise	VERB
cblr-9983	1887	71	their	their	PRON
cblr-9983	1887	72	own	own	ADJ
cblr-9983	1887	73	judgment	judgment	NOUN
cblr-9983	1887	74	in	in	ADP
cblr-9983	1887	75	assessing	assess	VERB
cblr-9983	1887	76	bank	bank	NOUN
cblr-9983	1887	77	practices	practice	NOUN
cblr-9983	1887	78	.	.	PUNCT
cblr-9983	1888	1	the	the	DET
cblr-9983	1888	2	point	point	NOUN
cblr-9983	1888	3	of	of	ADP
cblr-9983	1888	4	mandating	mandate	VERB
cblr-9983	1888	5	a	a	DET
cblr-9983	1888	6	meaningful	meaningful	ADJ
cblr-9983	1888	7	role	role	NOUN
cblr-9983	1888	8	for	for	ADP
cblr-9983	1888	9	principals	principal	NOUN
cblr-9983	1888	10	is	be	AUX
cblr-9983	1888	11	to	to	PART
cblr-9983	1888	12	ensure	ensure	VERB
cblr-9983	1888	13	that	that	SCONJ
cblr-9983	1888	14	they	they	PRON
cblr-9983	1888	15	have	have	AUX
cblr-9983	1888	16	set	set	VERB
cblr-9983	1888	17	the	the	DET
cblr-9983	1888	18	overall	overall	ADJ
cblr-9983	1888	19	policies	policy	NOUN
cblr-9983	1888	20	for	for	ADP
cblr-9983	1888	21	supervisory	supervisory	ADJ
cblr-9983	1888	22	action	action	NOUN
cblr-9983	1888	23	and	and	CCONJ
cblr-9983	1888	24	a	a	DET
cblr-9983	1888	25	framework	framework	NOUN
cblr-9983	1888	26	for	for	ADP
cblr-9983	1888	27	its	its	PRON
cblr-9983	1888	28	consistency	consistency	NOUN
cblr-9983	1888	29	with	with	ADP
cblr-9983	1888	30	those	those	DET
cblr-9983	1888	31	policies	policy	NOUN
cblr-9983	1888	32	,	,	PUNCT
cblr-9983	1888	33	not	not	PART
cblr-9983	1888	34	to	to	PART
cblr-9983	1888	35	retract	retract	VERB
cblr-9983	1888	36	necessary	necessary	ADJ
cblr-9983	1888	37	discretion	discretion	NOUN
cblr-9983	1888	38	from	from	ADP
cblr-9983	1888	39	line	line	NOUN
cblr-9983	1888	40	supervisors.299	supervisors.299	NOUN
cblr-9983	1888	41	moreover	moreover	ADV
cblr-9983	1888	42	,	,	PUNCT
cblr-9983	1888	43	many	many	ADJ
cblr-9983	1888	44	second	second	ADJ
cblr-9983	1888	45	order	order	NOUN
cblr-9983	1888	46	issues	issue	NOUN
cblr-9983	1888	47	common	common	ADJ
cblr-9983	1888	48	to	to	ADP
cblr-9983	1888	49	one	one	NUM
cblr-9983	1888	50	or	or	CCONJ
cblr-9983	1888	51	more	more	ADJ
cblr-9983	1888	52	the	the	DET
cblr-9983	1888	53	entire	entire	ADJ
cblr-9983	1888	54	fdic	fdic	PROPN
cblr-9983	1888	55	board	board	NOUN
cblr-9983	1888	56	to	to	PART
cblr-9983	1888	57	review	review	VERB
cblr-9983	1888	58	the	the	DET
cblr-9983	1888	59	supervisory	supervisory	ADJ
cblr-9983	1888	60	program	program	NOUN
cblr-9983	1888	61	.	.	PUNCT
cblr-9983	1889	1	at	at	ADP
cblr-9983	1889	2	the	the	DET
cblr-9983	1889	3	singleprincipal	singleprincipal	NOUN
cblr-9983	1889	4	occ	occ	NOUN
cblr-9983	1889	5	there	there	PRON
cblr-9983	1889	6	is	be	VERB
cblr-9983	1889	7	obviously	obviously	ADV
cblr-9983	1889	8	no	no	DET
cblr-9983	1889	9	sharing	sharing	NOUN
cblr-9983	1889	10	of	of	ADP
cblr-9983	1889	11	responsibility	responsibility	NOUN
cblr-9983	1889	12	.	.	PUNCT
cblr-9983	1890	1	298	298	NUM
cblr-9983	1890	2	cf	cf	NOUN
cblr-9983	1890	3	.	.	PUNCT
cblr-9983	1891	1	kisor	kisor	PROPN
cblr-9983	1891	2	v.	v.	ADP
cblr-9983	1891	3	wilkie	wilkie	PROPN
cblr-9983	1891	4	,	,	PUNCT
cblr-9983	1891	5	139	139	NUM
cblr-9983	1891	6	s.ct	s.ct	NOUN
cblr-9983	1891	7	.	.	PROPN
cblr-9983	1891	8	2400	2400	NUM
cblr-9983	1891	9	,	,	PUNCT
cblr-9983	1891	10	2416	2416	NUM
cblr-9983	1891	11	(	(	PUNCT
cblr-9983	1891	12	2019	2019	NUM
cblr-9983	1891	13	)	)	PUNCT
cblr-9983	1891	14	justice	justice	PROPN
cblr-9983	1891	15	kagan	kagan	PROPN
cblr-9983	1891	16	wrote	write	VERB
cblr-9983	1891	17	for	for	ADP
cblr-9983	1891	18	the	the	DET
cblr-9983	1891	19	court	court	NOUN
cblr-9983	1891	20	,	,	PUNCT
cblr-9983	1891	21	in	in	ADP
cblr-9983	1891	22	the	the	DET
cblr-9983	1891	23	context	context	NOUN
cblr-9983	1891	24	of	of	ADP
cblr-9983	1891	25	authoritative	authoritative	ADJ
cblr-9983	1891	26	agency	agency	NOUN
cblr-9983	1891	27	interpretations	interpretation	NOUN
cblr-9983	1891	28	when	when	SCONJ
cblr-9983	1891	29	an	an	DET
cblr-9983	1891	30	agency	agency	NOUN
cblr-9983	1891	31	interprets	interpret	VERB
cblr-9983	1891	32	its	its	PRON
cblr-9983	1891	33	own	own	ADJ
cblr-9983	1891	34	regulations	regulation	NOUN
cblr-9983	1891	35	:	:	PUNCT
cblr-9983	1891	36	of	of	ADP
cblr-9983	1891	37	course	course	NOUN
cblr-9983	1891	38	,	,	PUNCT
cblr-9983	1891	39	the	the	DET
cblr-9983	1891	40	requirement	requirement	NOUN
cblr-9983	1891	41	of	of	ADP
cblr-9983	1891	42	“	"	PUNCT
cblr-9983	1891	43	authoritative	authoritative	ADJ
cblr-9983	1891	44	”	"	PUNCT
cblr-9983	1891	45	action	action	NOUN
cblr-9983	1891	46	must	must	AUX
cblr-9983	1891	47	recognize	recognize	VERB
cblr-9983	1891	48	a	a	DET
cblr-9983	1891	49	reality	reality	NOUN
cblr-9983	1891	50	of	of	ADP
cblr-9983	1891	51	bureaucratic	bureaucratic	ADJ
cblr-9983	1891	52	life	life	NOUN
cblr-9983	1891	53	:	:	PUNCT
cblr-9983	1891	54	not	not	PART
cblr-9983	1891	55	everything	everything	PRON
cblr-9983	1891	56	the	the	DET
cblr-9983	1891	57	agency	agency	NOUN
cblr-9983	1891	58	does	do	AUX
cblr-9983	1891	59	comes	come	VERB
cblr-9983	1891	60	from	from	ADP
cblr-9983	1891	61	,	,	PUNCT
cblr-9983	1891	62	or	or	CCONJ
cblr-9983	1891	63	is	be	AUX
cblr-9983	1891	64	even	even	ADV
cblr-9983	1891	65	in	in	ADP
cblr-9983	1891	66	the	the	DET
cblr-9983	1891	67	name	name	NOUN
cblr-9983	1891	68	of	of	ADP
cblr-9983	1891	69	,	,	PUNCT
cblr-9983	1891	70	the	the	DET
cblr-9983	1891	71	secretary	secretary	NOUN
cblr-9983	1891	72	or	or	CCONJ
cblr-9983	1891	73	his	his	PRON
cblr-9983	1891	74	chief	chief	ADJ
cblr-9983	1891	75	advisers	adviser	NOUN
cblr-9983	1891	76	.	.	PUNCT
cblr-9983	1892	1	so	so	ADV
cblr-9983	1892	2	,	,	PUNCT
cblr-9983	1892	3	for	for	ADP
cblr-9983	1892	4	example	example	NOUN
cblr-9983	1892	5	,	,	PUNCT
cblr-9983	1892	6	we	we	PRON
cblr-9983	1892	7	have	have	AUX
cblr-9983	1892	8	deferred	defer	VERB
cblr-9983	1892	9	to	to	ADP
cblr-9983	1892	10	“	"	PUNCT
cblr-9983	1892	11	official	official	ADJ
cblr-9983	1892	12	staff	staff	NOUN
cblr-9983	1892	13	memoranda	memoranda	NOUN
cblr-9983	1892	14	”	"	PUNCT
cblr-9983	1892	15	that	that	PRON
cblr-9983	1892	16	were	be	AUX
cblr-9983	1892	17	“	"	PUNCT
cblr-9983	1892	18	published	publish	VERB
cblr-9983	1892	19	in	in	ADP
cblr-9983	1892	20	the	the	DET
cblr-9983	1892	21	federal	federal	ADJ
cblr-9983	1892	22	register	register	NOUN
cblr-9983	1892	23	,	,	PUNCT
cblr-9983	1892	24	”	"	PUNCT
cblr-9983	1892	25	even	even	ADV
cblr-9983	1892	26	though	though	SCONJ
cblr-9983	1892	27	never	never	ADV
cblr-9983	1892	28	approved	approve	VERB
cblr-9983	1892	29	by	by	ADP
cblr-9983	1892	30	the	the	DET
cblr-9983	1892	31	agency	agency	NOUN
cblr-9983	1892	32	head	head	NOUN
cblr-9983	1892	33	.	.	PUNCT
cblr-9983	1892	34	.	.	PUNCT
cblr-9983	1892	35	.	.	PUNCT
cblr-9983	1893	1	.	.	PUNCT
cblr-9983	1894	1	but	but	CCONJ
cblr-9983	1894	2	there	there	PRON
cblr-9983	1894	3	are	be	VERB
cblr-9983	1894	4	limits	limit	NOUN
cblr-9983	1894	5	.	.	PUNCT
cblr-9983	1895	1	the	the	DET
cblr-9983	1895	2	interpretation	interpretation	NOUN
cblr-9983	1895	3	must	must	AUX
cblr-9983	1895	4	at	at	ADP
cblr-9983	1895	5	the	the	DET
cblr-9983	1895	6	least	least	ADJ
cblr-9983	1895	7	emanate	emanate	ADJ
cblr-9983	1895	8	from	from	ADP
cblr-9983	1895	9	those	those	DET
cblr-9983	1895	10	actors	actor	NOUN
cblr-9983	1895	11	,	,	PUNCT
cblr-9983	1895	12	using	use	VERB
cblr-9983	1895	13	those	those	DET
cblr-9983	1895	14	vehicles	vehicle	NOUN
cblr-9983	1895	15	,	,	PUNCT
cblr-9983	1895	16	understood	understand	VERB
cblr-9983	1895	17	to	to	PART
cblr-9983	1895	18	make	make	VERB
cblr-9983	1895	19	authoritative	authoritative	ADJ
cblr-9983	1895	20	policy	policy	NOUN
cblr-9983	1895	21	in	in	ADP
cblr-9983	1895	22	the	the	DET
cblr-9983	1895	23	relevant	relevant	ADJ
cblr-9983	1895	24	context	context	NOUN
cblr-9983	1895	25	.	.	PUNCT
cblr-9983	1896	1	i	i	PRON
cblr-9983	1896	2	d.	d.	PROPN
cblr-9983	1896	3	(	(	PUNCT
cblr-9983	1896	4	quoting	quote	VERB
cblr-9983	1896	5	ford	ford	PROPN
cblr-9983	1896	6	motor	motor	PROPN
cblr-9983	1896	7	credit	credit	NOUN
cblr-9983	1896	8	v.	v.	ADP
cblr-9983	1896	9	milhollin	milhollin	PROPN
cblr-9983	1896	10	,	,	PUNCT
cblr-9983	1896	11	444	444	NUM
cblr-9983	1896	12	u.s	u.s	PROPN
cblr-9983	1896	13	.	.	PROPN
cblr-9983	1896	14	555	555	NUM
cblr-9983	1896	15	,	,	PUNCT
cblr-9983	1896	16	566	566	NUM
cblr-9983	1896	17	,	,	PUNCT
cblr-9983	1896	18	n.9	n.9	ADV
cblr-9983	1896	19	,	,	PUNCT
cblr-9983	1896	20	567	567	NUM
cblr-9983	1896	21	,	,	PUNCT
cblr-9983	1896	22	n.	n.	NOUN
cblr-9983	1896	23	10	10	NUM
cblr-9983	1896	24	(	(	PUNCT
cblr-9983	1896	25	1980	1980	NUM
cblr-9983	1896	26	)	)	PUNCT
cblr-9983	1896	27	)	)	PUNCT
cblr-9983	1896	28	.	.	PUNCT
cblr-9983	1897	1	299	299	NUM
cblr-9983	1897	2	issues	issue	NOUN
cblr-9983	1897	3	of	of	ADP
cblr-9983	1897	4	delegation	delegation	NOUN
cblr-9983	1897	5	to	to	ADP
cblr-9983	1897	6	line	line	NOUN
cblr-9983	1897	7	supervisors	supervisor	NOUN
cblr-9983	1897	8	are	be	AUX
cblr-9983	1897	9	not	not	PART
cblr-9983	1897	10	always	always	ADV
cblr-9983	1897	11	best	well	ADV
cblr-9983	1897	12	understood	understand	VERB
cblr-9983	1897	13	as	as	ADP
cblr-9983	1897	14	implicating	implicate	VERB
cblr-9983	1897	15	straightforward	straightforward	ADJ
cblr-9983	1897	16	agency	agency	NOUN
cblr-9983	1897	17	cost	cost	NOUN
cblr-9983	1897	18	problems	problem	NOUN
cblr-9983	1897	19	,	,	PUNCT
cblr-9983	1897	20	though	though	SCONJ
cblr-9983	1897	21	some	some	PRON
cblr-9983	1897	22	certainly	certainly	ADV
cblr-9983	1897	23	are	be	AUX
cblr-9983	1897	24	.	.	PUNCT
cblr-9983	1898	1	in	in	ADP
cblr-9983	1898	2	thinking	think	VERB
cblr-9983	1898	3	about	about	ADP
cblr-9983	1898	4	appropriate	appropriate	ADJ
cblr-9983	1898	5	delegations	delegation	NOUN
cblr-9983	1898	6	to	to	ADP
cblr-9983	1898	7	supervisors	supervisor	NOUN
cblr-9983	1898	8	,	,	PUNCT
cblr-9983	1898	9	one	one	PRON
cblr-9983	1898	10	can	can	AUX
cblr-9983	1898	11	not	not	PART
cblr-9983	1898	12	rely	rely	VERB
cblr-9983	1898	13	exclusively	exclusively	ADV
cblr-9983	1898	14	,	,	PUNCT
cblr-9983	1898	15	or	or	CCONJ
cblr-9983	1898	16	perhaps	perhaps	ADV
cblr-9983	1898	17	even	even	ADV
cblr-9983	1898	18	principally	principally	ADV
cblr-9983	1898	19	,	,	PUNCT
cblr-9983	1898	20	on	on	ADP
cblr-9983	1898	21	whether	whether	SCONJ
cblr-9983	1898	22	the	the	DET
cblr-9983	1898	23	principal	principal	NOUN
cblr-9983	1898	24	can	can	AUX
cblr-9983	1898	25	ex	ex	VERB
cblr-9983	1898	26	ante	ante	NOUN
cblr-9983	1898	27	anticipate	anticipate	VERB
cblr-9983	1898	28	that	that	SCONJ
cblr-9983	1898	29	line	line	NOUN
cblr-9983	1898	30	officials	official	NOUN
cblr-9983	1898	31	will	will	AUX
cblr-9983	1898	32	have	have	VERB
cblr-9983	1898	33	similar	similar	ADJ
cblr-9983	1898	34	policy	policy	NOUN
cblr-9983	1898	35	predispositions	predisposition	NOUN
cblr-9983	1898	36	to	to	ADP
cblr-9983	1898	37	his	his	PRON
cblr-9983	1898	38	or	or	CCONJ
cblr-9983	1898	39	her	her	PRON
cblr-9983	1898	40	own	own	ADJ
cblr-9983	1898	41	.	.	PUNCT
cblr-9983	1899	1	the	the	DET
cblr-9983	1899	2	views	view	NOUN
cblr-9983	1899	3	of	of	ADP
cblr-9983	1899	4	principals	principal	NOUN
cblr-9983	1899	5	will	will	AUX
cblr-9983	1899	6	frequently	frequently	ADV
cblr-9983	1899	7	take	take	VERB
cblr-9983	1899	8	shape	shape	NOUN
cblr-9983	1899	9	only	only	ADV
cblr-9983	1899	10	through	through	ADP
cblr-9983	1899	11	briefings	briefing	NOUN
cblr-9983	1899	12	and	and	CCONJ
cblr-9983	1899	13	other	other	ADJ
cblr-9983	1899	14	discussions	discussion	NOUN
cblr-9983	1899	15	with	with	ADP
cblr-9983	1899	16	staff	staff	NOUN
cblr-9983	1899	17	,	,	PUNCT
cblr-9983	1899	18	since	since	SCONJ
cblr-9983	1899	19	the	the	DET
cblr-9983	1899	20	issues	issue	NOUN
cblr-9983	1899	21	are	be	AUX
cblr-9983	1899	22	often	often	ADV
cblr-9983	1899	23	complex	complex	ADJ
cblr-9983	1899	24	and	and	CCONJ
cblr-9983	1899	25	may	may	AUX
cblr-9983	1899	26	vary	vary	VERB
cblr-9983	1899	27	from	from	ADP
cblr-9983	1899	28	bank	bank	PROPN
cblr-9983	1899	29	to	to	ADP
cblr-9983	1899	30	bank	bank	NOUN
cblr-9983	1899	31	.	.	PUNCT
cblr-9983	1900	1	hence	hence	ADV
cblr-9983	1900	2	the	the	DET
cblr-9983	1900	3	very	very	ADV
cblr-9983	1900	4	interesting	interesting	ADJ
cblr-9983	1900	5	approach	approach	NOUN
cblr-9983	1900	6	to	to	ADP
cblr-9983	1900	7	internal	internal	ADJ
cblr-9983	1900	8	agency	agency	NOUN
cblr-9983	1900	9	delegations	delegation	NOUN
cblr-9983	1900	10	taken	take	VERB
cblr-9983	1900	11	by	by	ADP
cblr-9983	1900	12	professor	professor	NOUN
cblr-9983	1900	13	nou	nou	NOUN
cblr-9983	1900	14	may	may	AUX
cblr-9983	1900	15	not	not	PART
cblr-9983	1900	16	be	be	AUX
cblr-9983	1900	17	fully	fully	ADV
cblr-9983	1900	18	applicable	applicable	ADJ
cblr-9983	1900	19	in	in	ADP
cblr-9983	1900	20	the	the	DET
cblr-9983	1900	21	supervisory	supervisory	ADJ
cblr-9983	1900	22	context	context	NOUN
cblr-9983	1900	23	,	,	PUNCT
cblr-9983	1900	24	though	though	SCONJ
cblr-9983	1900	25	her	her	PRON
cblr-9983	1900	26	point	point	NOUN
cblr-9983	1900	27	that	that	SCONJ
cblr-9983	1900	28	courts	court	NOUN
cblr-9983	1900	29	need	need	VERB
cblr-9983	1900	30	to	to	PART
cblr-9983	1900	31	better	well	ADV
cblr-9983	1900	32	understand	understand	VERB
cblr-9983	1900	33	internal	internal	ADJ
cblr-9983	1900	34	agency	agency	NOUN
cblr-9983	1900	35	dynamics	dynamic	NOUN
cblr-9983	1900	36	surely	surely	ADV
cblr-9983	1900	37	is	be	AUX
cblr-9983	1900	38	.	.	PUNCT
cblr-9983	1901	1	see	see	VERB
cblr-9983	1901	2	nou	nou	PROPN
cblr-9983	1901	3	,	,	PUNCT
cblr-9983	1901	4	supra	supra	PROPN
cblr-9983	1901	5	note	note	PROPN
cblr-9983	1901	6	276	276	NUM
cblr-9983	1901	7	,	,	PUNCT
cblr-9983	1901	8	at	at	ADP
cblr-9983	1901	9	511–25	511–25	NUM
cblr-9983	1901	10	.	.	PUNCT
cblr-9983	1902	1	388	388	NUM
cblr-9983	1902	2	columbia	columbia	PROPN
cblr-9983	1902	3	business	business	NOUN
cblr-9983	1902	4	law	law	PROPN
cblr-9983	1902	5	review	review	NOUN
cblr-9983	1902	6	[	[	X
cblr-9983	1902	7	vol	vol	NOUN
cblr-9983	1902	8	.	.	PUNCT
cblr-9983	1902	9	2022	2022	NUM
cblr-9983	1902	10	supervisory	supervisory	ADJ
cblr-9983	1902	11	portfolios	portfolio	NOUN
cblr-9983	1902	12	could	could	AUX
cblr-9983	1902	13	be	be	AUX
cblr-9983	1902	14	decided	decide	VERB
cblr-9983	1902	15	by	by	ADP
cblr-9983	1902	16	senior	senior	ADJ
cblr-9983	1902	17	career	career	NOUN
cblr-9983	1902	18	officials	official	NOUN
cblr-9983	1902	19	within	within	ADP
cblr-9983	1902	20	the	the	DET
cblr-9983	1902	21	general	general	ADJ
cblr-9983	1902	22	directions	direction	NOUN
cblr-9983	1902	23	set	set	VERB
cblr-9983	1902	24	by	by	ADP
cblr-9983	1902	25	principals	principal	NOUN
cblr-9983	1902	26	.	.	PUNCT
cblr-9983	1903	1	the	the	DET
cblr-9983	1903	2	next	next	ADJ
cblr-9983	1903	3	three	three	NUM
cblr-9983	1903	4	norms	norm	NOUN
cblr-9983	1903	5	pertain	pertain	VERB
cblr-9983	1903	6	to	to	PART
cblr-9983	1903	7	features	feature	NOUN
cblr-9983	1903	8	that	that	PRON
cblr-9983	1903	9	would	would	AUX
cblr-9983	1903	10	be	be	AUX
cblr-9983	1903	11	required	require	VERB
cblr-9983	1903	12	of	of	ADP
cblr-9983	1903	13	each	each	DET
cblr-9983	1903	14	agency	agency	NOUN
cblr-9983	1903	15	’s	’s	PART
cblr-9983	1903	16	organizational	organizational	ADJ
cblr-9983	1903	17	framework	framework	NOUN
cblr-9983	1903	18	for	for	ADP
cblr-9983	1903	19	supervision	supervision	NOUN
cblr-9983	1903	20	,	,	PUNCT
cblr-9983	1903	21	though	though	SCONJ
cblr-9983	1903	22	again	again	ADV
cblr-9983	1903	23	the	the	DET
cblr-9983	1903	24	particulars	particular	NOUN
cblr-9983	1903	25	would	would	AUX
cblr-9983	1903	26	be	be	AUX
cblr-9983	1903	27	up	up	ADP
cblr-9983	1903	28	to	to	ADP
cblr-9983	1903	29	agency	agency	NOUN
cblr-9983	1903	30	principals	principal	NOUN
cblr-9983	1903	31	.	.	PUNCT
cblr-9983	1904	1	the	the	DET
cblr-9983	1904	2	second	second	ADJ
cblr-9983	1904	3	norm	norm	NOUN
cblr-9983	1904	4	is	be	AUX
cblr-9983	1904	5	that	that	SCONJ
cblr-9983	1904	6	the	the	DET
cblr-9983	1904	7	framework	framework	NOUN
cblr-9983	1904	8	for	for	ADP
cblr-9983	1904	9	disseminating	disseminate	VERB
cblr-9983	1904	10	supervisory	supervisory	ADJ
cblr-9983	1904	11	policies	policy	NOUN
cblr-9983	1904	12	should	should	AUX
cblr-9983	1904	13	contain	contain	VERB
cblr-9983	1904	14	proactive	proactive	ADJ
cblr-9983	1904	15	measures	measure	NOUN
cblr-9983	1904	16	for	for	ADP
cblr-9983	1904	17	monitoring	monitor	VERB
cblr-9983	1904	18	effectiveness	effectiveness	NOUN
cblr-9983	1904	19	and	and	CCONJ
cblr-9983	1904	20	consistency	consistency	NOUN
cblr-9983	1904	21	.	.	PUNCT
cblr-9983	1905	1	each	each	DET
cblr-9983	1905	2	agency	agency	NOUN
cblr-9983	1905	3	should	should	AUX
cblr-9983	1905	4	have	have	VERB
cblr-9983	1905	5	its	its	PRON
cblr-9983	1905	6	own	own	ADJ
cblr-9983	1905	7	governance	governance	NOUN
cblr-9983	1905	8	mechanisms	mechanism	NOUN
cblr-9983	1905	9	for	for	ADP
cblr-9983	1905	10	ensuring	ensure	VERB
cblr-9983	1905	11	that	that	SCONJ
cblr-9983	1905	12	the	the	DET
cblr-9983	1905	13	exercise	exercise	NOUN
cblr-9983	1905	14	of	of	ADP
cblr-9983	1905	15	supervisory	supervisory	ADJ
cblr-9983	1905	16	discretion	discretion	NOUN
cblr-9983	1905	17	is	be	AUX
cblr-9983	1905	18	neither	neither	CCONJ
cblr-9983	1905	19	arbitrary	arbitrary	ADJ
cblr-9983	1905	20	nor	nor	CCONJ
cblr-9983	1905	21	demonstrably	demonstrably	ADV
cblr-9983	1905	22	at	at	ADP
cblr-9983	1905	23	odds	odd	NOUN
cblr-9983	1905	24	with	with	ADP
cblr-9983	1905	25	overall	overall	ADJ
cblr-9983	1905	26	supervisory	supervisory	ADJ
cblr-9983	1905	27	policies	policy	NOUN
cblr-9983	1905	28	.	.	PUNCT
cblr-9983	1906	1	it	it	PRON
cblr-9983	1906	2	would	would	AUX
cblr-9983	1906	3	be	be	AUX
cblr-9983	1906	4	especially	especially	ADV
cblr-9983	1906	5	important	important	ADJ
cblr-9983	1906	6	for	for	SCONJ
cblr-9983	1906	7	courts	court	NOUN
cblr-9983	1906	8	not	not	PART
cblr-9983	1906	9	to	to	PART
cblr-9983	1906	10	impose	impose	VERB
cblr-9983	1906	11	their	their	PRON
cblr-9983	1906	12	own	own	ADJ
cblr-9983	1906	13	views	view	NOUN
cblr-9983	1906	14	on	on	ADP
cblr-9983	1906	15	this	this	DET
cblr-9983	1906	16	element	element	NOUN
cblr-9983	1906	17	of	of	ADP
cblr-9983	1906	18	the	the	DET
cblr-9983	1906	19	supervisory	supervisory	ADJ
cblr-9983	1906	20	framework	framework	NOUN
cblr-9983	1906	21	,	,	PUNCT
cblr-9983	1906	22	since	since	SCONJ
cblr-9983	1906	23	it	it	PRON
cblr-9983	1906	24	will	will	AUX
cblr-9983	1906	25	be	be	AUX
cblr-9983	1906	26	most	most	ADV
cblr-9983	1906	27	effective	effective	ADJ
cblr-9983	1906	28	if	if	SCONJ
cblr-9983	1906	29	it	it	PRON
cblr-9983	1906	30	is	be	AUX
cblr-9983	1906	31	integrated	integrate	VERB
cblr-9983	1906	32	into	into	ADP
cblr-9983	1906	33	the	the	DET
cblr-9983	1906	34	varying	vary	VERB
cblr-9983	1906	35	organizational	organizational	ADJ
cblr-9983	1906	36	structures	structure	NOUN
cblr-9983	1906	37	in	in	ADP
cblr-9983	1906	38	the	the	DET
cblr-9983	1906	39	three	three	NUM
cblr-9983	1906	40	agencies	agency	NOUN
cblr-9983	1906	41	.	.	PUNCT
cblr-9983	1907	1	the	the	DET
cblr-9983	1907	2	third	third	ADJ
cblr-9983	1907	3	norm	norm	NOUN
cblr-9983	1907	4	is	be	AUX
cblr-9983	1907	5	that	that	SCONJ
cblr-9983	1907	6	the	the	DET
cblr-9983	1907	7	agencies	agency	NOUN
cblr-9983	1907	8	be	be	VERB
cblr-9983	1907	9	reasonably	reasonably	ADV
cblr-9983	1907	10	transparent	transparent	ADJ
cblr-9983	1907	11	in	in	ADP
cblr-9983	1907	12	their	their	PRON
cblr-9983	1907	13	supervisory	supervisory	ADJ
cblr-9983	1907	14	activities	activity	NOUN
cblr-9983	1907	15	.	.	PUNCT
cblr-9983	1908	1	while	while	SCONJ
cblr-9983	1908	2	the	the	DET
cblr-9983	1908	3	agencies	agency	NOUN
cblr-9983	1908	4	should	should	AUX
cblr-9983	1908	5	have	have	VERB
cblr-9983	1908	6	considerable	considerable	ADJ
cblr-9983	1908	7	discretion	discretion	NOUN
cblr-9983	1908	8	in	in	ADP
cblr-9983	1908	9	determining	determine	VERB
cblr-9983	1908	10	what	what	PRON
cblr-9983	1908	11	“	"	PUNCT
cblr-9983	1908	12	reasonable	reasonable	ADJ
cblr-9983	1908	13	”	"	PUNCT
cblr-9983	1908	14	transparency	transparency	NOUN
cblr-9983	1908	15	is	be	AUX
cblr-9983	1908	16	,	,	PUNCT
cblr-9983	1908	17	there	there	PRON
cblr-9983	1908	18	are	be	VERB
cblr-9983	1908	19	at	at	ADV
cblr-9983	1908	20	least	least	ADJ
cblr-9983	1908	21	two	two	NUM
cblr-9983	1908	22	features	feature	NOUN
cblr-9983	1908	23	that	that	PRON
cblr-9983	1908	24	should	should	AUX
cblr-9983	1908	25	be	be	AUX
cblr-9983	1908	26	reflected	reflect	VERB
cblr-9983	1908	27	in	in	ADP
cblr-9983	1908	28	an	an	DET
cblr-9983	1908	29	agency	agency	NOUN
cblr-9983	1908	30	’s	’s	PART
cblr-9983	1908	31	framework	framework	NOUN
cblr-9983	1908	32	.	.	PUNCT
cblr-9983	1909	1	one	one	NUM
cblr-9983	1909	2	is	be	AUX
cblr-9983	1909	3	that	that	SCONJ
cblr-9983	1909	4	supervisory	supervisory	ADJ
cblr-9983	1909	5	communications	communication	NOUN
cblr-9983	1909	6	—	—	PUNCT
cblr-9983	1909	7	whether	whether	SCONJ
cblr-9983	1909	8	broadly	broadly	ADV
cblr-9983	1909	9	applicable	applicable	ADJ
cblr-9983	1909	10	guidance	guidance	NOUN
cblr-9983	1909	11	or	or	CCONJ
cblr-9983	1909	12	more	more	ADJ
cblr-9983	1909	13	bank	bank	NOUN
cblr-9983	1909	14	-	-	PUNCT
cblr-9983	1909	15	specific	specific	ADJ
cblr-9983	1909	16	messages	message	NOUN
cblr-9983	1909	17	—	—	PUNCT
cblr-9983	1909	18	should	should	AUX
cblr-9983	1909	19	generally	generally	ADV
cblr-9983	1909	20	be	be	AUX
cblr-9983	1909	21	in	in	ADP
cblr-9983	1909	22	written	write	VERB
cblr-9983	1909	23	form	form	NOUN
cblr-9983	1909	24	.	.	PUNCT
cblr-9983	1910	1	as	as	SCONJ
cblr-9983	1910	2	has	have	AUX
cblr-9983	1910	3	usually	usually	ADV
cblr-9983	1910	4	been	be	AUX
cblr-9983	1910	5	the	the	DET
cblr-9983	1910	6	case	case	NOUN
cblr-9983	1910	7	,	,	PUNCT
cblr-9983	1910	8	broadly	broadly	ADV
cblr-9983	1910	9	applicable	applicable	ADJ
cblr-9983	1910	10	agency	agency	NOUN
cblr-9983	1910	11	guidance	guidance	NOUN
cblr-9983	1910	12	should	should	AUX
cblr-9983	1910	13	be	be	AUX
cblr-9983	1910	14	published	publish	VERB
cblr-9983	1910	15	.	.	PUNCT
cblr-9983	1911	1	the	the	DET
cblr-9983	1911	2	other	other	ADJ
cblr-9983	1911	3	transparency	transparency	NOUN
cblr-9983	1911	4	feature	feature	NOUN
cblr-9983	1911	5	is	be	AUX
cblr-9983	1911	6	that	that	SCONJ
cblr-9983	1911	7	,	,	PUNCT
cblr-9983	1911	8	to	to	ADP
cblr-9983	1911	9	the	the	DET
cblr-9983	1911	10	degree	degree	NOUN
cblr-9983	1911	11	an	an	DET
cblr-9983	1911	12	agency	agency	NOUN
cblr-9983	1911	13	has	have	AUX
cblr-9983	1911	14	generated	generate	VERB
cblr-9983	1911	15	internal	internal	ADJ
cblr-9983	1911	16	guidelines	guideline	NOUN
cblr-9983	1911	17	for	for	ADP
cblr-9983	1911	18	interpreting	interpret	VERB
cblr-9983	1911	19	regulations	regulation	NOUN
cblr-9983	1911	20	or	or	CCONJ
cblr-9983	1911	21	evaluating	evaluate	VERB
cblr-9983	1911	22	applications	application	NOUN
cblr-9983	1911	23	for	for	ADP
cblr-9983	1911	24	mergers	merger	NOUN
cblr-9983	1911	25	and	and	CCONJ
cblr-9983	1911	26	other	other	ADJ
cblr-9983	1911	27	actions	action	NOUN
cblr-9983	1911	28	,	,	PUNCT
cblr-9983	1911	29	they	they	PRON
cblr-9983	1911	30	should	should	AUX
cblr-9983	1911	31	presumptively	presumptively	ADV
cblr-9983	1911	32	be	be	AUX
cblr-9983	1911	33	available	available	ADJ
cblr-9983	1911	34	to	to	ADP
cblr-9983	1911	35	the	the	DET
cblr-9983	1911	36	public.300	public.300	NOUN
cblr-9983	1911	37	although	although	SCONJ
cblr-9983	1911	38	consideration	consideration	NOUN
cblr-9983	1911	39	of	of	ADP
cblr-9983	1911	40	these	these	DET
cblr-9983	1911	41	applications	application	NOUN
cblr-9983	1911	42	takes	take	VERB
cblr-9983	1911	43	place	place	NOUN
cblr-9983	1911	44	under	under	ADP
cblr-9983	1911	45	required	require	VERB
cblr-9983	1911	46	statutory	statutory	ADJ
cblr-9983	1911	47	procedures	procedure	NOUN
cblr-9983	1911	48	,	,	PUNCT
cblr-9983	1911	49	and	and	CCONJ
cblr-9983	1911	50	outcomes	outcome	NOUN
cblr-9983	1911	51	are	be	AUX
cblr-9983	1911	52	legally	legally	ADV
cblr-9983	1911	53	binding	bind	VERB
cblr-9983	1911	54	in	in	ADP
cblr-9983	1911	55	the	the	DET
cblr-9983	1911	56	300	300	NUM
cblr-9983	1911	57	the	the	DET
cblr-9983	1911	58	federal	federal	ADJ
cblr-9983	1911	59	reserve	reserve	PROPN
cblr-9983	1911	60	is	be	AUX
cblr-9983	1911	61	already	already	ADV
cblr-9983	1911	62	taking	take	VERB
cblr-9983	1911	63	steps	step	NOUN
cblr-9983	1911	64	along	along	ADP
cblr-9983	1911	65	these	these	DET
cblr-9983	1911	66	lines	line	NOUN
cblr-9983	1911	67	.	.	PUNCT
cblr-9983	1912	1	in	in	ADP
cblr-9983	1912	2	its	its	PRON
cblr-9983	1912	3	2020	2020	NUM
cblr-9983	1912	4	changes	change	NOUN
cblr-9983	1912	5	in	in	ADP
cblr-9983	1912	6	its	its	PRON
cblr-9983	1912	7	regulation	regulation	NOUN
cblr-9983	1912	8	for	for	ADP
cblr-9983	1912	9	determining	determine	VERB
cblr-9983	1912	10	when	when	SCONJ
cblr-9983	1912	11	a	a	DET
cblr-9983	1912	12	company	company	NOUN
cblr-9983	1912	13	has	have	VERB
cblr-9983	1912	14	“	"	PUNCT
cblr-9983	1912	15	control	control	NOUN
cblr-9983	1912	16	”	"	PUNCT
cblr-9983	1912	17	over	over	ADP
cblr-9983	1912	18	a	a	DET
cblr-9983	1912	19	bank	bank	NOUN
cblr-9983	1912	20	for	for	ADP
cblr-9983	1912	21	purposes	purpose	NOUN
cblr-9983	1912	22	of	of	ADP
cblr-9983	1912	23	the	the	DET
cblr-9983	1912	24	bank	bank	NOUN
cblr-9983	1912	25	holding	hold	VERB
cblr-9983	1912	26	company	company	NOUN
cblr-9983	1912	27	act	act	NOUN
cblr-9983	1912	28	,	,	PUNCT
cblr-9983	1912	29	the	the	DET
cblr-9983	1912	30	board	board	NOUN
cblr-9983	1912	31	of	of	ADP
cblr-9983	1912	32	governors	governor	NOUN
cblr-9983	1912	33	has	have	AUX
cblr-9983	1912	34	provided	provide	VERB
cblr-9983	1912	35	substantially	substantially	ADV
cblr-9983	1912	36	more	more	ADJ
cblr-9983	1912	37	information	information	NOUN
cblr-9983	1912	38	on	on	ADP
cblr-9983	1912	39	the	the	DET
cblr-9983	1912	40	types	type	NOUN
cblr-9983	1912	41	of	of	ADP
cblr-9983	1912	42	relationships	relationship	NOUN
cblr-9983	1912	43	that	that	PRON
cblr-9983	1912	44	the	the	DET
cblr-9983	1912	45	board	board	NOUN
cblr-9983	1912	46	will	will	AUX
cblr-9983	1912	47	consider	consider	VERB
cblr-9983	1912	48	to	to	PART
cblr-9983	1912	49	reflect	reflect	VERB
cblr-9983	1912	50	control	control	NOUN
cblr-9983	1912	51	.	.	PUNCT
cblr-9983	1913	1	control	control	NOUN
cblr-9983	1913	2	and	and	CCONJ
cblr-9983	1913	3	divestiture	divestiture	PROPN
cblr-9983	1913	4	proceedings	proceeding	NOUN
cblr-9983	1913	5	,	,	PUNCT
cblr-9983	1913	6	85	85	NUM
cblr-9983	1913	7	fed	feed	VERB
cblr-9983	1913	8	.	.	PUNCT
cblr-9983	1914	1	reg	reg	PROPN
cblr-9983	1914	2	.	.	PROPN
cblr-9983	1915	1	12,398	12,398	NUM
cblr-9983	1915	2	,	,	PUNCT
cblr-9983	1915	3	12,401–02	12,401–02	NUM
cblr-9983	1915	4	(	(	PUNCT
cblr-9983	1915	5	mar	mar	PROPN
cblr-9983	1915	6	.	.	PROPN
cblr-9983	1915	7	2	2	NUM
cblr-9983	1915	8	,	,	PUNCT
cblr-9983	1915	9	2020	2020	NUM
cblr-9983	1915	10	)	)	PUNCT
cblr-9983	1915	11	(	(	PUNCT
cblr-9983	1915	12	to	to	PART
cblr-9983	1915	13	be	be	AUX
cblr-9983	1915	14	codified	codify	VERB
cblr-9983	1915	15	at	at	ADP
cblr-9983	1915	16	12	12	NUM
cblr-9983	1915	17	c.f.r	c.f.r	NOUN
cblr-9983	1915	18	.	.	PUNCT
cblr-9983	1916	1	pts	pts	PROPN
cblr-9983	1916	2	.	.	PROPN
cblr-9983	1916	3	225	225	NUM
cblr-9983	1916	4	,	,	PUNCT
cblr-9983	1916	5	238	238	NUM
cblr-9983	1916	6	)	)	PUNCT
cblr-9983	1916	7	.	.	PUNCT
cblr-9983	1917	1	vice	vice	PROPN
cblr-9983	1917	2	chair	chair	NOUN
cblr-9983	1917	3	quarles	quarle	NOUN
cblr-9983	1917	4	has	have	AUX
cblr-9983	1917	5	further	far	ADV
cblr-9983	1917	6	indicated	indicate	VERB
cblr-9983	1917	7	that	that	SCONJ
cblr-9983	1917	8	the	the	DET
cblr-9983	1917	9	federal	federal	PROPN
cblr-9983	1917	10	reserve	reserve	PROPN
cblr-9983	1917	11	may	may	AUX
cblr-9983	1917	12	create	create	VERB
cblr-9983	1917	13	a	a	DET
cblr-9983	1917	14	word	word	NOUN
cblr-9983	1917	15	-	-	PUNCT
cblr-9983	1917	16	searchable	searchable	ADJ
cblr-9983	1917	17	database	database	NOUN
cblr-9983	1917	18	of	of	ADP
cblr-9983	1917	19	regulatory	regulatory	ADJ
cblr-9983	1917	20	interpretations	interpretation	NOUN
cblr-9983	1917	21	by	by	ADP
cblr-9983	1917	22	board	board	NOUN
cblr-9983	1917	23	staff	staff	NOUN
cblr-9983	1917	24	.	.	PUNCT
cblr-9983	1918	1	see	see	VERB
cblr-9983	1918	2	quarles	quarle	NOUN
cblr-9983	1918	3	,	,	PUNCT
cblr-9983	1918	4	supra	supra	PROPN
cblr-9983	1918	5	note	note	NOUN
cblr-9983	1918	6	214	214	NUM
cblr-9983	1918	7	.	.	PUNCT
cblr-9983	1919	1	no	no	INTJ
cblr-9983	1919	2	.	.	PUNCT
cblr-9983	1920	1	1:279	1:279	NOUN
cblr-9983	1920	2	]	]	X
cblr-9983	1920	3	bank	bank	NOUN
cblr-9983	1920	4	supervision	supervision	NOUN
cblr-9983	1920	5	and	and	CCONJ
cblr-9983	1920	6	administrative	administrative	ADJ
cblr-9983	1920	7	law	law	NOUN
cblr-9983	1920	8	389	389	NUM
cblr-9983	1920	9	traditional	traditional	ADJ
cblr-9983	1920	10	sense	sense	NOUN
cblr-9983	1920	11	,	,	PUNCT
cblr-9983	1920	12	prior	prior	ADJ
cblr-9983	1920	13	and	and	CCONJ
cblr-9983	1920	14	contemporaneous	contemporaneous	ADJ
cblr-9983	1920	15	supervisory	supervisory	ADJ
cblr-9983	1920	16	evaluations	evaluation	NOUN
cblr-9983	1920	17	of	of	ADP
cblr-9983	1920	18	the	the	DET
cblr-9983	1920	19	banks	bank	NOUN
cblr-9983	1920	20	involved	involve	VERB
cblr-9983	1920	21	are	be	AUX
cblr-9983	1920	22	often	often	ADV
cblr-9983	1920	23	important	important	ADJ
cblr-9983	1920	24	factors	factor	NOUN
cblr-9983	1920	25	in	in	ADP
cblr-9983	1920	26	these	these	DET
cblr-9983	1920	27	determinations	determination	NOUN
cblr-9983	1920	28	.	.	PUNCT
cblr-9983	1921	1	in	in	ADP
cblr-9983	1921	2	the	the	DET
cblr-9983	1921	3	context	context	NOUN
cblr-9983	1921	4	of	of	ADP
cblr-9983	1921	5	their	their	PRON
cblr-9983	1921	6	larger	large	ADJ
cblr-9983	1921	7	argument	argument	NOUN
cblr-9983	1921	8	that	that	PRON
cblr-9983	1921	9	would	would	AUX
cblr-9983	1921	10	bring	bring	VERB
cblr-9983	1921	11	supervision	supervision	NOUN
cblr-9983	1921	12	much	much	ADV
cblr-9983	1921	13	closer	close	ADV
cblr-9983	1921	14	to	to	ADP
cblr-9983	1921	15	more	more	ADV
cblr-9983	1921	16	formal	formal	ADJ
cblr-9983	1921	17	administrative	administrative	ADJ
cblr-9983	1921	18	adjudication	adjudication	NOUN
cblr-9983	1921	19	,	,	PUNCT
cblr-9983	1921	20	some	some	DET
cblr-9983	1921	21	representatives	representative	NOUN
cblr-9983	1921	22	of	of	ADP
cblr-9983	1921	23	banking	banking	NOUN
cblr-9983	1921	24	interests	interest	NOUN
cblr-9983	1921	25	have	have	AUX
cblr-9983	1921	26	complained	complain	VERB
cblr-9983	1921	27	about	about	ADP
cblr-9983	1921	28	the	the	DET
cblr-9983	1921	29	confidentiality	confidentiality	NOUN
cblr-9983	1921	30	of	of	ADP
cblr-9983	1921	31	a	a	DET
cblr-9983	1921	32	substantial	substantial	ADJ
cblr-9983	1921	33	amount	amount	NOUN
cblr-9983	1921	34	of	of	ADP
cblr-9983	1921	35	supervisory	supervisory	ADJ
cblr-9983	1921	36	information	information	NOUN
cblr-9983	1921	37	and	and	CCONJ
cblr-9983	1921	38	some	some	DET
cblr-9983	1921	39	supervisory	supervisory	ADJ
cblr-9983	1921	40	policies.301	policies.301	NOUN
cblr-9983	1921	41	while	while	SCONJ
cblr-9983	1921	42	my	my	PRON
cblr-9983	1921	43	suggestion	suggestion	NOUN
cblr-9983	1921	44	for	for	ADP
cblr-9983	1921	45	a	a	DET
cblr-9983	1921	46	norm	norm	NOUN
cblr-9983	1921	47	of	of	ADP
cblr-9983	1921	48	transparency	transparency	NOUN
cblr-9983	1921	49	would	would	AUX
cblr-9983	1921	50	likely	likely	ADV
cblr-9983	1921	51	produce	produce	VERB
cblr-9983	1921	52	some	some	PRON
cblr-9983	1921	53	of	of	ADP
cblr-9983	1921	54	the	the	DET
cblr-9983	1921	55	same	same	ADJ
cblr-9983	1921	56	results	result	NOUN
cblr-9983	1921	57	as	as	SCONJ
cblr-9983	1921	58	they	they	PRON
cblr-9983	1921	59	advocate,302	advocate,302	VERB
cblr-9983	1921	60	the	the	DET
cblr-9983	1921	61	justification	justification	NOUN
cblr-9983	1921	62	for	for	ADP
cblr-9983	1921	63	this	this	DET
cblr-9983	1921	64	norm	norm	NOUN
cblr-9983	1921	65	is	be	AUX
cblr-9983	1921	66	nearly	nearly	ADV
cblr-9983	1921	67	the	the	DET
cblr-9983	1921	68	opposite	opposite	NOUN
cblr-9983	1921	69	.	.	PUNCT
cblr-9983	1922	1	it	it	PRON
cblr-9983	1922	2	is	be	AUX
cblr-9983	1922	3	precisely	precisely	ADV
cblr-9983	1922	4	because	because	SCONJ
cblr-9983	1922	5	formal	formal	ADJ
cblr-9983	1922	6	administrative	administrative	ADJ
cblr-9983	1922	7	processes	process	NOUN
cblr-9983	1922	8	are	be	AUX
cblr-9983	1922	9	but	but	CCONJ
cblr-9983	1922	10	a	a	DET
cblr-9983	1922	11	small	small	ADJ
cblr-9983	1922	12	part	part	NOUN
cblr-9983	1922	13	of	of	ADP
cblr-9983	1922	14	the	the	DET
cblr-9983	1922	15	supervisory	supervisory	ADJ
cblr-9983	1922	16	relationship	relationship	NOUN
cblr-9983	1922	17	that	that	PRON
cblr-9983	1922	18	more	more	ADJ
cblr-9983	1922	19	transparency	transparency	NOUN
cblr-9983	1922	20	about	about	ADP
cblr-9983	1922	21	supervisory	supervisory	ADJ
cblr-9983	1922	22	policies	policy	NOUN
cblr-9983	1922	23	is	be	AUX
cblr-9983	1922	24	needed	need	VERB
cblr-9983	1922	25	.	.	PUNCT
cblr-9983	1923	1	the	the	DET
cblr-9983	1923	2	fourth	fourth	ADJ
cblr-9983	1923	3	norm	norm	NOUN
cblr-9983	1923	4	is	be	AUX
cblr-9983	1923	5	that	that	SCONJ
cblr-9983	1923	6	the	the	DET
cblr-9983	1923	7	supervisory	supervisory	ADJ
cblr-9983	1923	8	framework	framework	NOUN
cblr-9983	1923	9	provides	provide	VERB
cblr-9983	1923	10	for	for	ADP
cblr-9983	1923	11	meaningful	meaningful	ADJ
cblr-9983	1923	12	internal	internal	ADJ
cblr-9983	1923	13	review	review	NOUN
cblr-9983	1923	14	of	of	ADP
cblr-9983	1923	15	supervisory	supervisory	ADJ
cblr-9983	1923	16	actions	action	NOUN
cblr-9983	1923	17	.	.	PUNCT
cblr-9983	1924	1	as	as	SCONJ
cblr-9983	1924	2	suggested	suggest	VERB
cblr-9983	1924	3	in	in	ADP
cblr-9983	1924	4	the	the	DET
cblr-9983	1924	5	discussion	discussion	NOUN
cblr-9983	1924	6	of	of	ADP
cblr-9983	1924	7	ratings	rating	NOUN
cblr-9983	1924	8	in	in	ADP
cblr-9983	1924	9	part	part	NOUN
cblr-9983	1924	10	iii	iii	NOUN
cblr-9983	1924	11	,	,	PUNCT
cblr-9983	1924	12	this	this	PRON
cblr-9983	1924	13	is	be	AUX
cblr-9983	1924	14	an	an	DET
cblr-9983	1924	15	area	area	NOUN
cblr-9983	1924	16	where	where	SCONJ
cblr-9983	1924	17	a	a	DET
cblr-9983	1924	18	court	court	NOUN
cblr-9983	1924	19	might	might	AUX
cblr-9983	1924	20	reasonably	reasonably	ADV
cblr-9983	1924	21	expect	expect	VERB
cblr-9983	1924	22	more	more	ADJ
cblr-9983	1924	23	than	than	ADP
cblr-9983	1924	24	current	current	ADJ
cblr-9983	1924	25	administrative	administrative	ADJ
cblr-9983	1924	26	law	law	NOUN
cblr-9983	1924	27	doctrine	doctrine	NOUN
cblr-9983	1924	28	would	would	AUX
cblr-9983	1924	29	find	find	VERB
cblr-9983	1924	30	procedurally	procedurally	ADV
cblr-9983	1924	31	necessary	necessary	ADJ
cblr-9983	1924	32	.	.	PUNCT
cblr-9983	1925	1	while	while	SCONJ
cblr-9983	1925	2	the	the	DET
cblr-9983	1925	3	fact	fact	NOUN
cblr-9983	1925	4	of	of	ADP
cblr-9983	1925	5	an	an	DET
cblr-9983	1925	6	iterative	iterative	ADJ
cblr-9983	1925	7	supervisory	supervisory	ADJ
cblr-9983	1925	8	relationship	relationship	NOUN
cblr-9983	1925	9	argues	argue	VERB
cblr-9983	1925	10	for	for	ADP
cblr-9983	1925	11	moving	move	VERB
cblr-9983	1925	12	away	away	ADV
cblr-9983	1925	13	from	from	ADP
cblr-9983	1925	14	doctrines	doctrine	NOUN
cblr-9983	1925	15	such	such	ADJ
cblr-9983	1925	16	as	as	ADP
cblr-9983	1925	17	the	the	DET
cblr-9983	1925	18	“	"	PUNCT
cblr-9983	1925	19	practically	practically	ADV
cblr-9983	1925	20	binding	binding	ADJ
cblr-9983	1925	21	”	"	PUNCT
cblr-9983	1925	22	test	test	NOUN
cblr-9983	1925	23	for	for	ADP
cblr-9983	1925	24	requiring	require	VERB
cblr-9983	1925	25	notice	notice	NOUN
cblr-9983	1925	26	-	-	PUNCT
cblr-9983	1925	27	and	and	CCONJ
cblr-9983	1925	28	-	-	PUNCT
cblr-9983	1925	29	comment	comment	NOUN
cblr-9983	1925	30	rulemaking	rulemaking	NOUN
cblr-9983	1925	31	,	,	PUNCT
cblr-9983	1925	32	it	it	PRON
cblr-9983	1925	33	also	also	ADV
cblr-9983	1925	34	argues	argue	VERB
cblr-9983	1925	35	for	for	ADP
cblr-9983	1925	36	augmenting	augment	VERB
cblr-9983	1925	37	procedures	procedure	NOUN
cblr-9983	1925	38	where	where	SCONJ
cblr-9983	1925	39	needed	need	VERB
cblr-9983	1925	40	to	to	PART
cblr-9983	1925	41	make	make	VERB
cblr-9983	1925	42	an	an	DET
cblr-9983	1925	43	option	option	NOUN
cblr-9983	1925	44	for	for	SCONJ
cblr-9983	1925	45	internal	internal	ADJ
cblr-9983	1925	46	review	review	NOUN
cblr-9983	1925	47	realistically	realistically	ADV
cblr-9983	1925	48	available	available	ADJ
cblr-9983	1925	49	,	,	PUNCT
cblr-9983	1925	50	given	give	VERB
cblr-9983	1925	51	the	the	DET
cblr-9983	1925	52	nature	nature	NOUN
cblr-9983	1925	53	of	of	ADP
cblr-9983	1925	54	that	that	DET
cblr-9983	1925	55	relationship	relationship	NOUN
cblr-9983	1925	56	.	.	PUNCT
cblr-9983	1926	1	the	the	DET
cblr-9983	1926	2	nature	nature	NOUN
cblr-9983	1926	3	and	and	CCONJ
cblr-9983	1926	4	formality	formality	NOUN
cblr-9983	1926	5	of	of	ADP
cblr-9983	1926	6	the	the	DET
cblr-9983	1926	7	review	review	NOUN
cblr-9983	1926	8	for	for	ADP
cblr-9983	1926	9	supervisory	supervisory	ADJ
cblr-9983	1926	10	actions	action	NOUN
cblr-9983	1926	11	would	would	AUX
cblr-9983	1926	12	obviously	obviously	ADV
cblr-9983	1926	13	vary	vary	VERB
cblr-9983	1926	14	with	with	ADP
cblr-9983	1926	15	the	the	DET
cblr-9983	1926	16	practicalities	practicality	NOUN
cblr-9983	1926	17	and	and	CCONJ
cblr-9983	1926	18	301	301	NUM
cblr-9983	1926	19	see	see	NOUN
cblr-9983	1926	20	,	,	PUNCT
cblr-9983	1926	21	e.g.	e.g.	ADV
cblr-9983	1926	22	,	,	PUNCT
cblr-9983	1926	23	tahyar	tahyar	NOUN
cblr-9983	1926	24	testimony	testimony	NOUN
cblr-9983	1926	25	,	,	PUNCT
cblr-9983	1926	26	supra	supra	ADJ
cblr-9983	1926	27	note	note	NOUN
cblr-9983	1926	28	9	9	NUM
cblr-9983	1926	29	,	,	PUNCT
cblr-9983	1926	30	at	at	ADP
cblr-9983	1926	31	41	41	NUM
cblr-9983	1926	32	,	,	PUNCT
cblr-9983	1926	33	44	44	NUM
cblr-9983	1926	34	.	.	NOUN
cblr-9983	1926	35	302	302	NUM
cblr-9983	1927	1	some	some	PRON
cblr-9983	1927	2	,	,	PUNCT
cblr-9983	1927	3	though	though	SCONJ
cblr-9983	1927	4	by	by	ADP
cblr-9983	1927	5	no	no	DET
cblr-9983	1927	6	means	means	NOUN
cblr-9983	1927	7	all	all	PRON
cblr-9983	1927	8	.	.	PUNCT
cblr-9983	1928	1	for	for	ADP
cblr-9983	1928	2	example	example	NOUN
cblr-9983	1928	3	,	,	PUNCT
cblr-9983	1928	4	ms	ms	PROPN
cblr-9983	1928	5	.	.	PROPN
cblr-9983	1928	6	tahyar	tahyar	PROPN
cblr-9983	1928	7	suggests	suggest	VERB
cblr-9983	1928	8	that	that	SCONJ
cblr-9983	1928	9	banks	bank	NOUN
cblr-9983	1928	10	themselves	themselves	PRON
cblr-9983	1928	11	should	should	AUX
cblr-9983	1928	12	have	have	VERB
cblr-9983	1928	13	the	the	DET
cblr-9983	1928	14	option	option	NOUN
cblr-9983	1928	15	of	of	ADP
cblr-9983	1928	16	deciding	decide	VERB
cblr-9983	1928	17	whether	whether	SCONJ
cblr-9983	1928	18	to	to	PART
cblr-9983	1928	19	make	make	VERB
cblr-9983	1928	20	their	their	PRON
cblr-9983	1928	21	supervisory	supervisory	ADJ
cblr-9983	1928	22	ratings	rating	NOUN
cblr-9983	1928	23	public	public	ADJ
cblr-9983	1928	24	.	.	PUNCT
cblr-9983	1929	1	i	i	PRON
cblr-9983	1929	2	d.	d.	PROPN
cblr-9983	1929	3	at	at	ADP
cblr-9983	1929	4	45	45	NUM
cblr-9983	1929	5	.	.	PUNCT
cblr-9983	1930	1	that	that	DET
cblr-9983	1930	2	kind	kind	NOUN
cblr-9983	1930	3	of	of	ADP
cblr-9983	1930	4	transparency	transparency	NOUN
cblr-9983	1930	5	would	would	AUX
cblr-9983	1930	6	have	have	VERB
cblr-9983	1930	7	no	no	DET
cblr-9983	1930	8	direct	direct	ADJ
cblr-9983	1930	9	effect	effect	NOUN
cblr-9983	1930	10	on	on	ADP
cblr-9983	1930	11	the	the	DET
cblr-9983	1930	12	supervisory	supervisory	ADJ
cblr-9983	1930	13	relationship	relationship	NOUN
cblr-9983	1930	14	itself	itself	PRON
cblr-9983	1930	15	,	,	PUNCT
cblr-9983	1930	16	but	but	CCONJ
cblr-9983	1930	17	would	would	AUX
cblr-9983	1930	18	allow	allow	VERB
cblr-9983	1930	19	banks	bank	NOUN
cblr-9983	1930	20	to	to	PART
cblr-9983	1930	21	leverage	leverage	VERB
cblr-9983	1930	22	good	good	ADJ
cblr-9983	1930	23	ratings	rating	NOUN
cblr-9983	1930	24	with	with	ADP
cblr-9983	1930	25	investors	investor	NOUN
cblr-9983	1930	26	or	or	CCONJ
cblr-9983	1930	27	the	the	DET
cblr-9983	1930	28	public	public	NOUN
cblr-9983	1930	29	.	.	PUNCT
cblr-9983	1931	1	there	there	PRON
cblr-9983	1931	2	are	be	VERB
cblr-9983	1931	3	certainly	certainly	ADV
cblr-9983	1931	4	strong	strong	ADJ
cblr-9983	1931	5	arguments	argument	NOUN
cblr-9983	1931	6	that	that	SCONJ
cblr-9983	1931	7	banking	banking	NOUN
cblr-9983	1931	8	agencies	agency	NOUN
cblr-9983	1931	9	should	should	AUX
cblr-9983	1931	10	release	release	VERB
cblr-9983	1931	11	more	more	ADJ
cblr-9983	1931	12	information	information	NOUN
cblr-9983	1931	13	about	about	ADP
cblr-9983	1931	14	their	their	PRON
cblr-9983	1931	15	ratings	rating	NOUN
cblr-9983	1931	16	on	on	ADP
cblr-9983	1931	17	an	an	DET
cblr-9983	1931	18	aggregate	aggregate	ADJ
cblr-9983	1931	19	basis	basis	NOUN
cblr-9983	1931	20	,	,	PUNCT
cblr-9983	1931	21	and	and	CCONJ
cblr-9983	1931	22	some	some	DET
cblr-9983	1931	23	plausible	plausible	ADJ
cblr-9983	1931	24	(	(	PUNCT
cblr-9983	1931	25	though	though	ADV
cblr-9983	1931	26	weaker	weak	ADJ
cblr-9983	1931	27	)	)	PUNCT
cblr-9983	1931	28	arguments	argument	NOUN
cblr-9983	1931	29	that	that	SCONJ
cblr-9983	1931	30	individual	individual	ADJ
cblr-9983	1931	31	bank	bank	NOUN
cblr-9983	1931	32	ratings	rating	NOUN
cblr-9983	1931	33	should	should	AUX
cblr-9983	1931	34	be	be	AUX
cblr-9983	1931	35	released	release	VERB
cblr-9983	1931	36	publicly	publicly	ADV
cblr-9983	1931	37	.	.	PUNCT
cblr-9983	1932	1	but	but	CCONJ
cblr-9983	1932	2	these	these	DET
cblr-9983	1932	3	issues	issue	NOUN
cblr-9983	1932	4	are	be	AUX
cblr-9983	1932	5	more	more	ADJ
cblr-9983	1932	6	about	about	ADP
cblr-9983	1932	7	the	the	DET
cblr-9983	1932	8	desirability	desirability	NOUN
cblr-9983	1932	9	of	of	ADP
cblr-9983	1932	10	public	public	ADJ
cblr-9983	1932	11	monitoring	monitoring	NOUN
cblr-9983	1932	12	of	of	ADP
cblr-9983	1932	13	banking	banking	NOUN
cblr-9983	1932	14	agency	agency	NOUN
cblr-9983	1932	15	practice	practice	NOUN
cblr-9983	1932	16	.	.	PUNCT
cblr-9983	1933	1	390	390	NUM
cblr-9983	1933	2	columbia	columbia	PROPN
cblr-9983	1933	3	business	business	NOUN
cblr-9983	1933	4	law	law	PROPN
cblr-9983	1933	5	review	review	NOUN
cblr-9983	1933	6	[	[	X
cblr-9983	1933	7	vol	vol	NOUN
cblr-9983	1933	8	.	.	PUNCT
cblr-9983	1933	9	2022	2022	NUM
cblr-9983	1933	10	significance	significance	NOUN
cblr-9983	1933	11	of	of	ADP
cblr-9983	1933	12	those	those	DET
cblr-9983	1933	13	actions.303	actions.303	NOUN
cblr-9983	1933	14	it	it	PRON
cblr-9983	1933	15	seems	seem	VERB
cblr-9983	1933	16	especially	especially	ADV
cblr-9983	1933	17	desirable	desirable	ADJ
cblr-9983	1933	18	that	that	SCONJ
cblr-9983	1933	19	agencies	agency	NOUN
cblr-9983	1933	20	provide	provide	VERB
cblr-9983	1933	21	a	a	DET
cblr-9983	1933	22	mechanism	mechanism	NOUN
cblr-9983	1933	23	for	for	ADP
cblr-9983	1933	24	review	review	NOUN
cblr-9983	1933	25	of	of	ADP
cblr-9983	1933	26	supervisory	supervisory	ADJ
cblr-9983	1933	27	ratings	rating	NOUN
cblr-9983	1933	28	decisions	decision	NOUN
cblr-9983	1933	29	beyond	beyond	ADP
cblr-9983	1933	30	the	the	DET
cblr-9983	1933	31	skeletal	skeletal	ADJ
cblr-9983	1933	32	statutory	statutory	ADJ
cblr-9983	1933	33	requirements	requirement	NOUN
cblr-9983	1933	34	.	.	PUNCT
cblr-9983	1934	1	the	the	DET
cblr-9983	1934	2	annual	annual	ADJ
cblr-9983	1934	3	ratings	rating	NOUN
cblr-9983	1934	4	process	process	NOUN
cblr-9983	1934	5	both	both	DET
cblr-9983	1934	6	summarizes	summarize	NOUN
cblr-9983	1934	7	prior	prior	ADV
cblr-9983	1934	8	supervisory	supervisory	ADJ
cblr-9983	1934	9	communications	communication	NOUN
cblr-9983	1934	10	and	and	CCONJ
cblr-9983	1934	11	sets	set	VERB
cblr-9983	1934	12	a	a	DET
cblr-9983	1934	13	path	path	NOUN
cblr-9983	1934	14	for	for	ADP
cblr-9983	1934	15	future	future	ADJ
cblr-9983	1934	16	supervisory	supervisory	ADJ
cblr-9983	1934	17	activity	activity	NOUN
cblr-9983	1934	18	.	.	PUNCT
cblr-9983	1935	1	it	it	PRON
cblr-9983	1935	2	is	be	AUX
cblr-9983	1935	3	already	already	ADV
cblr-9983	1935	4	more	more	ADV
cblr-9983	1935	5	formally	formally	ADV
cblr-9983	1935	6	structured	structure	VERB
cblr-9983	1935	7	within	within	ADP
cblr-9983	1935	8	the	the	DET
cblr-9983	1935	9	banking	banking	NOUN
cblr-9983	1935	10	agencies	agency	NOUN
cblr-9983	1935	11	than	than	ADP
cblr-9983	1935	12	much	much	ADJ
cblr-9983	1935	13	supervisory	supervisory	ADJ
cblr-9983	1935	14	work	work	NOUN
cblr-9983	1935	15	and	and	CCONJ
cblr-9983	1935	16	,	,	PUNCT
cblr-9983	1935	17	as	as	ADP
cblr-9983	1935	18	such	such	ADJ
cblr-9983	1935	19	,	,	PUNCT
cblr-9983	1935	20	the	the	DET
cblr-9983	1935	21	object	object	NOUN
cblr-9983	1935	22	of	of	ADP
cblr-9983	1935	23	considerable	considerable	ADJ
cblr-9983	1935	24	internal	internal	ADJ
cblr-9983	1935	25	administrative	administrative	ADJ
cblr-9983	1935	26	law.304	law.304	NOUN
cblr-9983	1935	27	especially	especially	ADV
cblr-9983	1935	28	for	for	ADP
cblr-9983	1935	29	smaller	small	ADJ
cblr-9983	1935	30	banks	bank	NOUN
cblr-9983	1935	31	,	,	PUNCT
cblr-9983	1935	32	but	but	CCONJ
cblr-9983	1935	33	also	also	ADV
cblr-9983	1935	34	to	to	ADP
cblr-9983	1935	35	some	some	DET
cblr-9983	1935	36	degree	degree	NOUN
cblr-9983	1935	37	for	for	ADP
cblr-9983	1935	38	large	large	ADJ
cblr-9983	1935	39	ones	one	NOUN
cblr-9983	1935	40	,	,	PUNCT
cblr-9983	1935	41	it	it	PRON
cblr-9983	1935	42	is	be	AUX
cblr-9983	1935	43	the	the	DET
cblr-9983	1935	44	pressure	pressure	NOUN
cblr-9983	1935	45	point	point	NOUN
cblr-9983	1935	46	of	of	ADP
cblr-9983	1935	47	the	the	DET
cblr-9983	1935	48	supervisory	supervisory	ADJ
cblr-9983	1935	49	relationship	relationship	NOUN
cblr-9983	1935	50	.	.	PUNCT
cblr-9983	1936	1	for	for	ADP
cblr-9983	1936	2	all	all	DET
cblr-9983	1936	3	these	these	DET
cblr-9983	1936	4	reasons	reason	NOUN
cblr-9983	1936	5	,	,	PUNCT
cblr-9983	1936	6	the	the	DET
cblr-9983	1936	7	ratings	rating	NOUN
cblr-9983	1936	8	process	process	NOUN
cblr-9983	1936	9	is	be	AUX
cblr-9983	1936	10	an	an	DET
cblr-9983	1936	11	appropriate	appropriate	ADJ
cblr-9983	1936	12	focus	focus	NOUN
cblr-9983	1936	13	for	for	ADP
cblr-9983	1936	14	both	both	DET
cblr-9983	1936	15	agency	agency	NOUN
cblr-9983	1936	16	principals	principal	NOUN
cblr-9983	1936	17	and	and	CCONJ
cblr-9983	1936	18	,	,	PUNCT
cblr-9983	1936	19	potentially	potentially	ADV
cblr-9983	1936	20	,	,	PUNCT
cblr-9983	1936	21	courts	court	NOUN
cblr-9983	1936	22	in	in	ADP
cblr-9983	1936	23	monitoring	monitor	VERB
cblr-9983	1936	24	the	the	DET
cblr-9983	1936	25	supervisory	supervisory	ADJ
cblr-9983	1936	26	process	process	NOUN
cblr-9983	1936	27	.	.	PUNCT
cblr-9983	1937	1	for	for	ADP
cblr-9983	1937	2	senior	senior	ADJ
cblr-9983	1937	3	agency	agency	NOUN
cblr-9983	1937	4	officials	official	NOUN
cblr-9983	1937	5	,	,	PUNCT
cblr-9983	1937	6	a	a	DET
cblr-9983	1937	7	well	well	ADV
cblr-9983	1937	8	-	-	PUNCT
cblr-9983	1937	9	structured	structure	VERB
cblr-9983	1937	10	review	review	NOUN
cblr-9983	1937	11	system	system	NOUN
cblr-9983	1937	12	could	could	AUX
cblr-9983	1937	13	provide	provide	VERB
cblr-9983	1937	14	insight	insight	NOUN
cblr-9983	1937	15	into	into	ADP
cblr-9983	1937	16	supervisory	supervisory	ADJ
cblr-9983	1937	17	laxity	laxity	NOUN
cblr-9983	1937	18	,	,	PUNCT
cblr-9983	1937	19	as	as	ADV
cblr-9983	1937	20	well	well	ADV
cblr-9983	1937	21	as	as	ADP
cblr-9983	1937	22	overreach	overreach	VERB
cblr-9983	1937	23	.	.	PUNCT
cblr-9983	1937	24	303	303	NUM
cblr-9983	1937	25	in	in	ADP
cblr-9983	1937	26	addition	addition	NOUN
cblr-9983	1937	27	to	to	ADP
cblr-9983	1937	28	the	the	DET
cblr-9983	1937	29	various	various	ADJ
cblr-9983	1937	30	well	well	ADV
cblr-9983	1937	31	-	-	PUNCT
cblr-9983	1937	32	established	establish	VERB
cblr-9983	1937	33	modes	mode	NOUN
cblr-9983	1937	34	of	of	ADP
cblr-9983	1937	35	supervisory	supervisory	ADJ
cblr-9983	1937	36	communication	communication	NOUN
cblr-9983	1937	37	such	such	ADJ
cblr-9983	1937	38	as	as	ADP
cblr-9983	1937	39	guidance	guidance	NOUN
cblr-9983	1937	40	or	or	CCONJ
cblr-9983	1937	41	mras	mras	ADJ
cblr-9983	1937	42	,	,	PUNCT
cblr-9983	1937	43	supervisors	supervisor	NOUN
cblr-9983	1937	44	may	may	AUX
cblr-9983	1937	45	less	less	ADV
cblr-9983	1937	46	formally	formally	ADV
cblr-9983	1937	47	—	—	PUNCT
cblr-9983	1937	48	sometimes	sometimes	ADV
cblr-9983	1937	49	in	in	ADP
cblr-9983	1937	50	writing	writing	NOUN
cblr-9983	1937	51	,	,	PUNCT
cblr-9983	1937	52	but	but	CCONJ
cblr-9983	1937	53	often	often	ADV
cblr-9983	1937	54	orally	orally	ADV
cblr-9983	1937	55	—	—	PUNCT
cblr-9983	1937	56	communicate	communicate	VERB
cblr-9983	1937	57	expectations	expectation	NOUN
cblr-9983	1937	58	for	for	ADP
cblr-9983	1937	59	an	an	DET
cblr-9983	1937	60	individual	individual	NOUN
cblr-9983	1937	61	’s	’s	PART
cblr-9983	1937	62	bank	bank	NOUN
cblr-9983	1937	63	practices	practice	NOUN
cblr-9983	1937	64	.	.	PUNCT
cblr-9983	1938	1	these	these	DET
cblr-9983	1938	2	communications	communication	NOUN
cblr-9983	1938	3	may	may	AUX
cblr-9983	1938	4	reflect	reflect	VERB
cblr-9983	1938	5	the	the	DET
cblr-9983	1938	6	supervisors	supervisor	NOUN
cblr-9983	1938	7	’	’	PART
cblr-9983	1938	8	understanding	understanding	NOUN
cblr-9983	1938	9	of	of	ADP
cblr-9983	1938	10	how	how	SCONJ
cblr-9983	1938	11	published	publish	VERB
cblr-9983	1938	12	guidance	guidance	NOUN
cblr-9983	1938	13	or	or	CCONJ
cblr-9983	1938	14	regulations	regulation	NOUN
cblr-9983	1938	15	apply	apply	VERB
cblr-9983	1938	16	to	to	ADP
cblr-9983	1938	17	the	the	DET
cblr-9983	1938	18	circumstances	circumstance	NOUN
cblr-9983	1938	19	of	of	ADP
cblr-9983	1938	20	a	a	DET
cblr-9983	1938	21	specific	specific	ADJ
cblr-9983	1938	22	bank	bank	NOUN
cblr-9983	1938	23	or	or	CCONJ
cblr-9983	1938	24	it	it	PRON
cblr-9983	1938	25	may	may	AUX
cblr-9983	1938	26	relate	relate	VERB
cblr-9983	1938	27	solely	solely	ADV
cblr-9983	1938	28	to	to	ADP
cblr-9983	1938	29	supervisors	supervisor	NOUN
cblr-9983	1938	30	’	'	PUNCT
cblr-9983	1938	31	concerns	concern	NOUN
cblr-9983	1938	32	about	about	ADP
cblr-9983	1938	33	a	a	DET
cblr-9983	1938	34	bank	bank	NOUN
cblr-9983	1938	35	’s	’s	PART
cblr-9983	1938	36	condition	condition	NOUN
cblr-9983	1938	37	or	or	CCONJ
cblr-9983	1938	38	practices	practice	NOUN
cblr-9983	1938	39	that	that	PRON
cblr-9983	1938	40	are	be	AUX
cblr-9983	1938	41	not	not	PART
cblr-9983	1938	42	specifically	specifically	ADV
cblr-9983	1938	43	addressed	address	VERB
cblr-9983	1938	44	in	in	ADP
cblr-9983	1938	45	regulations	regulation	NOUN
cblr-9983	1938	46	or	or	CCONJ
cblr-9983	1938	47	published	publish	VERB
cblr-9983	1938	48	guidance	guidance	NOUN
cblr-9983	1938	49	.	.	PUNCT
cblr-9983	1939	1	for	for	ADP
cblr-9983	1939	2	larger	large	ADJ
cblr-9983	1939	3	banks	bank	NOUN
cblr-9983	1939	4	with	with	ADP
cblr-9983	1939	5	dedicated	dedicated	ADJ
cblr-9983	1939	6	supervisory	supervisory	ADJ
cblr-9983	1939	7	teams	team	NOUN
cblr-9983	1939	8	,	,	PUNCT
cblr-9983	1939	9	the	the	DET
cblr-9983	1939	10	frequent	frequent	ADJ
cblr-9983	1939	11	interactions	interaction	NOUN
cblr-9983	1939	12	between	between	ADP
cblr-9983	1939	13	bank	bank	NOUN
cblr-9983	1939	14	personnel	personnel	NOUN
cblr-9983	1939	15	and	and	CCONJ
cblr-9983	1939	16	line	line	NOUN
cblr-9983	1939	17	supervisors	supervisor	NOUN
cblr-9983	1939	18	mean	mean	VERB
cblr-9983	1939	19	that	that	SCONJ
cblr-9983	1939	20	many	many	ADJ
cblr-9983	1939	21	such	such	ADJ
cblr-9983	1939	22	communications	communication	NOUN
cblr-9983	1939	23	occur	occur	VERB
cblr-9983	1939	24	.	.	PUNCT
cblr-9983	1940	1	indeed	indeed	ADV
cblr-9983	1940	2	,	,	PUNCT
cblr-9983	1940	3	they	they	PRON
cblr-9983	1940	4	lie	lie	VERB
cblr-9983	1940	5	at	at	ADP
cblr-9983	1940	6	the	the	DET
cblr-9983	1940	7	heart	heart	NOUN
cblr-9983	1940	8	of	of	ADP
cblr-9983	1940	9	the	the	DET
cblr-9983	1940	10	iterative	iterative	ADJ
cblr-9983	1940	11	supervisory	supervisory	ADJ
cblr-9983	1940	12	relationship	relationship	NOUN
cblr-9983	1940	13	.	.	PUNCT
cblr-9983	1941	1	however	however	ADV
cblr-9983	1941	2	,	,	PUNCT
cblr-9983	1941	3	they	they	PRON
cblr-9983	1941	4	also	also	ADV
cblr-9983	1941	5	can	can	AUX
cblr-9983	1941	6	be	be	AUX
cblr-9983	1941	7	the	the	DET
cblr-9983	1941	8	means	mean	NOUN
cblr-9983	1941	9	by	by	ADP
cblr-9983	1941	10	which	which	PRON
cblr-9983	1941	11	line	line	NOUN
cblr-9983	1941	12	supervisors	supervisor	NOUN
cblr-9983	1941	13	deviated	deviate	VERB
cblr-9983	1941	14	from	from	ADP
cblr-9983	1941	15	a	a	DET
cblr-9983	1941	16	reasonably	reasonably	ADV
cblr-9983	1941	17	well	well	ADV
cblr-9983	1941	18	-	-	PUNCT
cblr-9983	1941	19	articulated	articulate	VERB
cblr-9983	1941	20	agency	agency	NOUN
cblr-9983	1941	21	supervisory	supervisory	ADJ
cblr-9983	1941	22	policy	policy	NOUN
cblr-9983	1941	23	.	.	PUNCT
cblr-9983	1942	1	the	the	DET
cblr-9983	1942	2	second	second	ADJ
cblr-9983	1942	3	norm	norm	NOUN
cblr-9983	1942	4	of	of	ADP
cblr-9983	1942	5	proactive	proactive	ADJ
cblr-9983	1942	6	oversight	oversight	NOUN
cblr-9983	1942	7	of	of	ADP
cblr-9983	1942	8	the	the	DET
cblr-9983	1942	9	supervisory	supervisory	ADJ
cblr-9983	1942	10	process	process	NOUN
cblr-9983	1942	11	should	should	AUX
cblr-9983	1942	12	limit	limit	VERB
cblr-9983	1942	13	the	the	DET
cblr-9983	1942	14	number	number	NOUN
cblr-9983	1942	15	of	of	ADP
cblr-9983	1942	16	what	what	PRON
cblr-9983	1942	17	is	be	AUX
cblr-9983	1942	18	in	in	ADP
cblr-9983	1942	19	any	any	DET
cblr-9983	1942	20	case	case	NOUN
cblr-9983	1942	21	a	a	DET
cblr-9983	1942	22	relatively	relatively	ADV
cblr-9983	1942	23	small	small	ADJ
cblr-9983	1942	24	universe	universe	NOUN
cblr-9983	1942	25	of	of	ADP
cblr-9983	1942	26	cases	case	NOUN
cblr-9983	1942	27	relative	relative	ADJ
cblr-9983	1942	28	to	to	ADP
cblr-9983	1942	29	the	the	DET
cblr-9983	1942	30	volume	volume	NOUN
cblr-9983	1942	31	of	of	ADP
cblr-9983	1942	32	supervisory	supervisory	ADJ
cblr-9983	1942	33	communication	communication	NOUN
cblr-9983	1942	34	.	.	PUNCT
cblr-9983	1943	1	however	however	ADV
cblr-9983	1943	2	,	,	PUNCT
cblr-9983	1943	3	a	a	DET
cblr-9983	1943	4	norm	norm	NOUN
cblr-9983	1943	5	of	of	ADP
cblr-9983	1943	6	effective	effective	ADJ
cblr-9983	1943	7	review	review	NOUN
cblr-9983	1943	8	of	of	ADP
cblr-9983	1943	9	supervisory	supervisory	ADJ
cblr-9983	1943	10	decisions	decision	NOUN
cblr-9983	1943	11	would	would	AUX
cblr-9983	1943	12	argue	argue	VERB
cblr-9983	1943	13	for	for	ADP
cblr-9983	1943	14	some	some	DET
cblr-9983	1943	15	mechanism	mechanism	NOUN
cblr-9983	1943	16	for	for	ADP
cblr-9983	1943	17	recourse	recourse	NOUN
cblr-9983	1943	18	in	in	ADP
cblr-9983	1943	19	the	the	DET
cblr-9983	1943	20	unusual	unusual	ADJ
cblr-9983	1943	21	,	,	PUNCT
cblr-9983	1943	22	but	but	CCONJ
cblr-9983	1943	23	potentially	potentially	ADV
cblr-9983	1943	24	significant	significant	ADJ
cblr-9983	1943	25	,	,	PUNCT
cblr-9983	1943	26	case	case	NOUN
cblr-9983	1943	27	in	in	ADP
cblr-9983	1943	28	which	which	PRON
cblr-9983	1943	29	a	a	DET
cblr-9983	1943	30	bank	bank	NOUN
cblr-9983	1943	31	believes	believe	VERB
cblr-9983	1943	32	it	it	PRON
cblr-9983	1943	33	is	be	AUX
cblr-9983	1943	34	receiving	receive	VERB
cblr-9983	1943	35	supervisory	supervisory	ADJ
cblr-9983	1943	36	direction	direction	NOUN
cblr-9983	1943	37	that	that	PRON
cblr-9983	1943	38	may	may	AUX
cblr-9983	1943	39	not	not	PART
cblr-9983	1943	40	reflect	reflect	VERB
cblr-9983	1943	41	agency	agency	NOUN
cblr-9983	1943	42	policy	policy	NOUN
cblr-9983	1943	43	.	.	PUNCT
cblr-9983	1944	1	304	304	NUM
cblr-9983	1944	2	there	there	PRON
cblr-9983	1944	3	have	have	AUX
cblr-9983	1944	4	been	be	AUX
cblr-9983	1944	5	modest	modest	ADJ
cblr-9983	1944	6	efforts	effort	NOUN
cblr-9983	1944	7	in	in	ADP
cblr-9983	1944	8	this	this	DET
cblr-9983	1944	9	direction	direction	NOUN
cblr-9983	1944	10	already	already	ADV
cblr-9983	1944	11	.	.	PUNCT
cblr-9983	1945	1	for	for	ADP
cblr-9983	1945	2	example	example	NOUN
cblr-9983	1945	3	,	,	PUNCT
cblr-9983	1945	4	the	the	DET
cblr-9983	1945	5	fdic	fdic	PROPN
cblr-9983	1945	6	has	have	AUX
cblr-9983	1945	7	recently	recently	ADV
cblr-9983	1945	8	proposed	propose	VERB
cblr-9983	1945	9	replacing	replace	VERB
cblr-9983	1945	10	the	the	DET
cblr-9983	1945	11	fdic	fdic	ADJ
cblr-9983	1945	12	staff	staff	NOUN
cblr-9983	1945	13	from	from	ADP
cblr-9983	1945	14	the	the	DET
cblr-9983	1945	15	office	office	NOUN
cblr-9983	1945	16	of	of	ADP
cblr-9983	1945	17	supervisory	supervisory	ADJ
cblr-9983	1945	18	appeals	appeal	NOUN
cblr-9983	1945	19	with	with	ADP
cblr-9983	1945	20	outside	outside	ADJ
cblr-9983	1945	21	experts	expert	NOUN
cblr-9983	1945	22	.	.	PUNCT
cblr-9983	1946	1	press	press	NOUN
cblr-9983	1946	2	release	release	NOUN
cblr-9983	1946	3	,	,	PUNCT
cblr-9983	1946	4	fed	fed	PROPN
cblr-9983	1946	5	.	.	PUNCT
cblr-9983	1947	1	deposit	deposit	PROPN
cblr-9983	1947	2	ins	ins	PROPN
cblr-9983	1947	3	.	.	PUNCT
cblr-9983	1947	4	corp	corp	PROPN
cblr-9983	1947	5	.	.	PROPN
cblr-9983	1947	6	,	,	PUNCT
cblr-9983	1947	7	fdic	fdic	PROPN
cblr-9983	1947	8	proposes	propose	VERB
cblr-9983	1947	9	changes	change	NOUN
cblr-9983	1947	10	to	to	ADP
cblr-9983	1947	11	its	its	PRON
cblr-9983	1947	12	supervisory	supervisory	ADJ
cblr-9983	1947	13	appeals	appeal	NOUN
cblr-9983	1947	14	process	process	NOUN
cblr-9983	1947	15	(	(	PUNCT
cblr-9983	1947	16	aug	aug	PROPN
cblr-9983	1947	17	.	.	PROPN
cblr-9983	1947	18	21	21	NUM
cblr-9983	1947	19	,	,	PUNCT
cblr-9983	1947	20	2020	2020	NUM
cblr-9983	1947	21	)	)	PUNCT
cblr-9983	1947	22	,	,	PUNCT
cblr-9983	1947	23	https://www.fdic.gov/news/pressreleases/2020/pr20093.html	https://www.fdic.gov/news/pressreleases/2020/pr20093.html	PROPN
cblr-9983	1948	1	[	[	X
cblr-9983	1948	2	https://perma.cc/ce35-dv7j	https://perma.cc/ce35-dv7j	NUM
cblr-9983	1948	3	]	]	PUNCT
cblr-9983	1948	4	.	.	PUNCT
cblr-9983	1949	1	no	no	INTJ
cblr-9983	1949	2	.	.	PUNCT
cblr-9983	1950	1	1:279	1:279	NOUN
cblr-9983	1950	2	]	]	X
cblr-9983	1950	3	bank	bank	NOUN
cblr-9983	1950	4	supervision	supervision	NOUN
cblr-9983	1950	5	and	and	CCONJ
cblr-9983	1950	6	administrative	administrative	ADJ
cblr-9983	1950	7	law	law	NOUN
cblr-9983	1950	8	391	391	NUM
cblr-9983	1950	9	there	there	PRON
cblr-9983	1950	10	are	be	VERB
cblr-9983	1950	11	many	many	ADJ
cblr-9983	1950	12	ways	way	NOUN
cblr-9983	1950	13	in	in	ADP
cblr-9983	1950	14	which	which	PRON
cblr-9983	1950	15	agencies	agency	NOUN
cblr-9983	1950	16	might	might	AUX
cblr-9983	1950	17	afford	afford	VERB
cblr-9983	1950	18	effective	effective	ADJ
cblr-9983	1950	19	review	review	NOUN
cblr-9983	1950	20	of	of	ADP
cblr-9983	1950	21	ratings	rating	NOUN
cblr-9983	1950	22	decisions	decision	NOUN
cblr-9983	1950	23	.	.	PUNCT
cblr-9983	1951	1	one	one	NUM
cblr-9983	1951	2	obvious	obvious	ADJ
cblr-9983	1951	3	route	route	NOUN
cblr-9983	1951	4	would	would	AUX
cblr-9983	1951	5	be	be	AUX
cblr-9983	1951	6	to	to	PART
cblr-9983	1951	7	fill	fill	VERB
cblr-9983	1951	8	out	out	ADP
cblr-9983	1951	9	the	the	DET
cblr-9983	1951	10	current	current	ADJ
cblr-9983	1951	11	internal	internal	ADJ
cblr-9983	1951	12	review	review	NOUN
cblr-9983	1951	13	processes	process	NOUN
cblr-9983	1951	14	to	to	PART
cblr-9983	1951	15	ensure	ensure	VERB
cblr-9983	1951	16	that	that	SCONJ
cblr-9983	1951	17	they	they	PRON
cblr-9983	1951	18	were	be	AUX
cblr-9983	1951	19	not	not	PART
cblr-9983	1951	20	pro	pro	ADJ
cblr-9983	1951	21	forma	forma	NOUN
cblr-9983	1951	22	,	,	PUNCT
cblr-9983	1951	23	or	or	CCONJ
cblr-9983	1951	24	otherwise	otherwise	ADV
cblr-9983	1951	25	structured	structure	VERB
cblr-9983	1951	26	to	to	PART
cblr-9983	1951	27	predictably	predictably	ADV
cblr-9983	1951	28	affirm	affirm	VERB
cblr-9983	1951	29	the	the	DET
cblr-9983	1951	30	initial	initial	ADJ
cblr-9983	1951	31	determination.305	determination.305	NOUN
cblr-9983	1951	32	but	but	CCONJ
cblr-9983	1951	33	an	an	DET
cblr-9983	1951	34	agency	agency	NOUN
cblr-9983	1951	35	might	might	AUX
cblr-9983	1951	36	also	also	ADV
cblr-9983	1951	37	opt	opt	VERB
cblr-9983	1951	38	for	for	ADP
cblr-9983	1951	39	something	something	PRON
cblr-9983	1951	40	more	more	ADV
cblr-9983	1951	41	interactive	interactive	ADJ
cblr-9983	1951	42	.	.	PUNCT
cblr-9983	1952	1	for	for	ADP
cblr-9983	1952	2	example	example	NOUN
cblr-9983	1952	3	,	,	PUNCT
cblr-9983	1952	4	an	an	DET
cblr-9983	1952	5	agency	agency	NOUN
cblr-9983	1952	6	might	might	AUX
cblr-9983	1952	7	introduce	introduce	VERB
cblr-9983	1952	8	into	into	ADP
cblr-9983	1952	9	its	its	PRON
cblr-9983	1952	10	initial	initial	ADJ
cblr-9983	1952	11	process	process	NOUN
cblr-9983	1952	12	for	for	ADP
cblr-9983	1952	13	assigning	assign	VERB
cblr-9983	1952	14	ratings	rating	NOUN
cblr-9983	1952	15	an	an	DET
cblr-9983	1952	16	opportunity	opportunity	NOUN
cblr-9983	1952	17	for	for	ADP
cblr-9983	1952	18	comment	comment	NOUN
cblr-9983	1952	19	by	by	ADP
cblr-9983	1952	20	the	the	DET
cblr-9983	1952	21	bank	bank	NOUN
cblr-9983	1952	22	.	.	PUNCT
cblr-9983	1953	1	that	that	PRON
cblr-9983	1953	2	is	be	AUX
cblr-9983	1953	3	,	,	PUNCT
cblr-9983	1953	4	before	before	SCONJ
cblr-9983	1953	5	a	a	DET
cblr-9983	1953	6	recommended	recommend	VERB
cblr-9983	1953	7	set	set	NOUN
cblr-9983	1953	8	of	of	ADP
cblr-9983	1953	9	ratings	rating	NOUN
cblr-9983	1953	10	from	from	ADP
cblr-9983	1953	11	the	the	DET
cblr-9983	1953	12	relevant	relevant	ADJ
cblr-9983	1953	13	supervisory	supervisory	ADJ
cblr-9983	1953	14	team	team	NOUN
cblr-9983	1953	15	was	be	AUX
cblr-9983	1953	16	ratified	ratify	VERB
cblr-9983	1953	17	or	or	CCONJ
cblr-9983	1953	18	modified	modify	VERB
cblr-9983	1953	19	through	through	ADP
cblr-9983	1953	20	the	the	DET
cblr-9983	1953	21	internal	internal	ADJ
cblr-9983	1953	22	review	review	NOUN
cblr-9983	1953	23	process	process	NOUN
cblr-9983	1953	24	,	,	PUNCT
cblr-9983	1953	25	the	the	DET
cblr-9983	1953	26	bank	bank	NOUN
cblr-9983	1953	27	could	could	AUX
cblr-9983	1953	28	add	add	VERB
cblr-9983	1953	29	information	information	NOUN
cblr-9983	1953	30	or	or	CCONJ
cblr-9983	1953	31	perspective	perspective	NOUN
cblr-9983	1953	32	.	.	PUNCT
cblr-9983	1954	1	ex	ex	PRON
cblr-9983	1954	2	ante	ante	PROPN
cblr-9983	1954	3	review	review	NOUN
cblr-9983	1954	4	might	might	AUX
cblr-9983	1954	5	be	be	AUX
cblr-9983	1954	6	more	more	ADV
cblr-9983	1954	7	effective	effective	ADJ
cblr-9983	1954	8	than	than	ADP
cblr-9983	1954	9	ex	ex	ADJ
cblr-9983	1954	10	post	post	PROPN
cblr-9983	1954	11	review	review	NOUN
cblr-9983	1954	12	,	,	PUNCT
cblr-9983	1954	13	since	since	SCONJ
cblr-9983	1954	14	the	the	DET
cblr-9983	1954	15	bank	bank	NOUN
cblr-9983	1954	16	’s	’s	PART
cblr-9983	1954	17	arguments	argument	NOUN
cblr-9983	1954	18	would	would	AUX
cblr-9983	1954	19	be	be	AUX
cblr-9983	1954	20	combined	combine	VERB
cblr-9983	1954	21	with	with	ADP
cblr-9983	1954	22	other	other	ADJ
cblr-9983	1954	23	questions	question	NOUN
cblr-9983	1954	24	and	and	CCONJ
cblr-9983	1954	25	discussion	discussion	NOUN
cblr-9983	1954	26	engendered	engender	VERB
cblr-9983	1954	27	by	by	ADP
cblr-9983	1954	28	the	the	DET
cblr-9983	1954	29	internal	internal	ADJ
cblr-9983	1954	30	process	process	NOUN
cblr-9983	1954	31	,	,	PUNCT
cblr-9983	1954	32	and	and	CCONJ
cblr-9983	1954	33	thereby	thereby	ADV
cblr-9983	1954	34	not	not	PART
cblr-9983	1954	35	require	require	VERB
cblr-9983	1954	36	a	a	DET
cblr-9983	1954	37	“	"	PUNCT
cblr-9983	1954	38	reversal	reversal	NOUN
cblr-9983	1954	39	”	"	PUNCT
cblr-9983	1954	40	of	of	ADP
cblr-9983	1954	41	a	a	DET
cblr-9983	1954	42	ratings	rating	NOUN
cblr-9983	1954	43	decision.306	decision.306	NOUN
cblr-9983	1954	44	unlike	unlike	ADP
cblr-9983	1954	45	the	the	DET
cblr-9983	1954	46	first	first	ADJ
cblr-9983	1954	47	four	four	NUM
cblr-9983	1954	48	norms	norm	NOUN
cblr-9983	1954	49	,	,	PUNCT
cblr-9983	1954	50	the	the	DET
cblr-9983	1954	51	fifth	fifth	ADJ
cblr-9983	1954	52	centers	center	NOUN
cblr-9983	1954	53	on	on	ADP
cblr-9983	1954	54	the	the	DET
cblr-9983	1954	55	substance	substance	NOUN
cblr-9983	1954	56	of	of	ADP
cblr-9983	1954	57	supervisory	supervisory	ADJ
cblr-9983	1954	58	activity	activity	NOUN
cblr-9983	1954	59	,	,	PUNCT
cblr-9983	1954	60	rather	rather	ADV
cblr-9983	1954	61	than	than	ADP
cblr-9983	1954	62	the	the	DET
cblr-9983	1954	63	processes	process	NOUN
cblr-9983	1954	64	through	through	ADP
cblr-9983	1954	65	which	which	PRON
cblr-9983	1954	66	it	it	PRON
cblr-9983	1954	67	is	be	AUX
cblr-9983	1954	68	executed	execute	VERB
cblr-9983	1954	69	:	:	PUNCT
cblr-9983	1954	70	the	the	DET
cblr-9983	1954	71	supple	supple	ADJ
cblr-9983	1954	72	dynamic	dynamic	NOUN
cblr-9983	1954	73	of	of	ADP
cblr-9983	1954	74	the	the	DET
cblr-9983	1954	75	supervisory	supervisory	ADJ
cblr-9983	1954	76	relationship	relationship	NOUN
cblr-9983	1954	77	should	should	AUX
cblr-9983	1954	78	be	be	AUX
cblr-9983	1954	79	used	use	VERB
cblr-9983	1954	80	only	only	ADV
cblr-9983	1954	81	in	in	ADP
cblr-9983	1954	82	fulfillment	fulfillment	NOUN
cblr-9983	1954	83	of	of	ADP
cblr-9983	1954	84	the	the	DET
cblr-9983	1954	85	function	function	NOUN
cblr-9983	1954	86	i	i	PRON
cblr-9983	1954	87	have	have	AUX
cblr-9983	1954	88	suggested	suggest	VERB
cblr-9983	1954	89	it	it	PRON
cblr-9983	1954	90	serves	serve	VERB
cblr-9983	1954	91	within	within	ADP
cblr-9983	1954	92	the	the	DET
cblr-9983	1954	93	regulatory	regulatory	ADJ
cblr-9983	1954	94	system	system	NOUN
cblr-9983	1954	95	established	establish	VERB
cblr-9983	1954	96	by	by	ADP
cblr-9983	1954	97	congress	congress	PROPN
cblr-9983	1954	98	.	.	PUNCT
cblr-9983	1955	1	as	as	SCONJ
cblr-9983	1955	2	described	describe	VERB
cblr-9983	1955	3	in	in	ADP
cblr-9983	1955	4	part	part	PROPN
cblr-9983	1955	5	ii	ii	PROPN
cblr-9983	1955	6	,	,	PUNCT
cblr-9983	1955	7	this	this	DET
cblr-9983	1955	8	function	function	NOUN
cblr-9983	1955	9	is	be	AUX
cblr-9983	1955	10	essential	essential	ADJ
cblr-9983	1955	11	to	to	PART
cblr-9983	1955	12	complement	complement	VERB
cblr-9983	1955	13	the	the	DET
cblr-9983	1955	14	framework	framework	NOUN
cblr-9983	1955	15	of	of	ADP
cblr-9983	1955	16	statutes	statute	NOUN
cblr-9983	1955	17	,	,	PUNCT
cblr-9983	1955	18	regulatory	regulatory	ADJ
cblr-9983	1955	19	rules	rule	NOUN
cblr-9983	1955	20	,	,	PUNCT
cblr-9983	1955	21	and	and	CCONJ
cblr-9983	1955	22	adjudicatory	adjudicatory	NOUN
cblr-9983	1955	23	processes	process	NOUN
cblr-9983	1955	24	that	that	PRON
cblr-9983	1955	25	defines	define	VERB
cblr-9983	1955	26	that	that	SCONJ
cblr-9983	1955	27	305	305	NUM
cblr-9983	1955	28	since	since	SCONJ
cblr-9983	1955	29	1994	1994	NUM
cblr-9983	1955	30	each	each	DET
cblr-9983	1955	31	banking	banking	NOUN
cblr-9983	1955	32	agency	agency	NOUN
cblr-9983	1955	33	is	be	AUX
cblr-9983	1955	34	required	require	VERB
cblr-9983	1955	35	by	by	ADP
cblr-9983	1955	36	statute	statute	NOUN
cblr-9983	1955	37	to	to	PART
cblr-9983	1955	38	create	create	VERB
cblr-9983	1955	39	the	the	DET
cblr-9983	1955	40	position	position	NOUN
cblr-9983	1955	41	of	of	ADP
cblr-9983	1955	42	an	an	DET
cblr-9983	1955	43	ombudsman	ombudsman	NOUN
cblr-9983	1955	44	,	,	PUNCT
cblr-9983	1955	45	whose	whose	DET
cblr-9983	1955	46	role	role	NOUN
cblr-9983	1955	47	is	be	AUX
cblr-9983	1955	48	to	to	PART
cblr-9983	1955	49	intermediate	intermediate	VERB
cblr-9983	1955	50	between	between	ADP
cblr-9983	1955	51	any	any	DET
cblr-9983	1955	52	party	party	NOUN
cblr-9983	1955	53	—	—	PUNCT
cblr-9983	1955	54	obviously	obviously	ADV
cblr-9983	1955	55	importantly	importantly	ADV
cblr-9983	1955	56	including	include	VERB
cblr-9983	1955	57	regulated	regulated	ADJ
cblr-9983	1955	58	banks	bank	NOUN
cblr-9983	1955	59	—	—	PUNCT
cblr-9983	1955	60	and	and	CCONJ
cblr-9983	1955	61	the	the	DET
cblr-9983	1955	62	agency	agency	NOUN
cblr-9983	1955	63	“	"	PUNCT
cblr-9983	1955	64	with	with	ADP
cblr-9983	1955	65	respect	respect	NOUN
cblr-9983	1955	66	to	to	ADP
cblr-9983	1955	67	any	any	DET
cblr-9983	1955	68	problem	problem	NOUN
cblr-9983	1955	69	such	such	ADJ
cblr-9983	1955	70	party	party	NOUN
cblr-9983	1955	71	may	may	AUX
cblr-9983	1955	72	have	have	VERB
cblr-9983	1955	73	in	in	ADP
cblr-9983	1955	74	dealing	deal	VERB
cblr-9983	1955	75	with	with	ADP
cblr-9983	1955	76	the	the	DET
cblr-9983	1955	77	agency	agency	NOUN
cblr-9983	1955	78	resulting	result	VERB
cblr-9983	1955	79	from	from	ADP
cblr-9983	1955	80	the	the	DET
cblr-9983	1955	81	regulatory	regulatory	ADJ
cblr-9983	1955	82	activities	activity	NOUN
cblr-9983	1955	83	of	of	ADP
cblr-9983	1955	84	the	the	DET
cblr-9983	1955	85	agency	agency	NOUN
cblr-9983	1955	86	.	.	PUNCT
cblr-9983	1955	87	”	"	PUNCT
cblr-9983	1956	1	riegle	riegle	ADJ
cblr-9983	1956	2	community	community	NOUN
cblr-9983	1956	3	development	development	NOUN
cblr-9983	1956	4	and	and	CCONJ
cblr-9983	1956	5	regulatory	regulatory	ADJ
cblr-9983	1956	6	improvement	improvement	NOUN
cblr-9983	1956	7	act	act	NOUN
cblr-9983	1956	8	of	of	ADP
cblr-9983	1956	9	1994	1994	NUM
cblr-9983	1956	10	,	,	PUNCT
cblr-9983	1956	11	pub	pub	NOUN
cblr-9983	1956	12	.	.	PUNCT
cblr-9983	1957	1	l.	l.	PROPN
cblr-9983	1957	2	103	103	NUM
cblr-9983	1957	3	-	-	SYM
cblr-9983	1957	4	325	325	NUM
cblr-9983	1957	5	,	,	PUNCT
cblr-9983	1957	6	§	§	PROPN
cblr-9983	1957	7	309	309	NUM
cblr-9983	1957	8	,	,	PUNCT
cblr-9983	1957	9	108	108	NUM
cblr-9983	1957	10	stat	stat	NOUN
cblr-9983	1957	11	.	.	PUNCT
cblr-9983	1958	1	2160	2160	NUM
cblr-9983	1958	2	,	,	PUNCT
cblr-9983	1958	3	2219	2219	NUM
cblr-9983	1958	4	(	(	PUNCT
cblr-9983	1958	5	codified	codify	VERB
cblr-9983	1958	6	at	at	ADP
cblr-9983	1958	7	12	12	NUM
cblr-9983	1958	8	u.s.c	u.s.c	NOUN
cblr-9983	1958	9	.	.	PUNCT
cblr-9983	1959	1	§	§	PROPN
cblr-9983	1959	2	4806	4806	NUM
cblr-9983	1959	3	)	)	PUNCT
cblr-9983	1959	4	.	.	PUNCT
cblr-9983	1960	1	while	while	SCONJ
cblr-9983	1960	2	an	an	DET
cblr-9983	1960	3	ombudsman	ombudsman	NOUN
cblr-9983	1960	4	may	may	AUX
cblr-9983	1960	5	serve	serve	VERB
cblr-9983	1960	6	a	a	DET
cblr-9983	1960	7	useful	useful	ADJ
cblr-9983	1960	8	purpose	purpose	NOUN
cblr-9983	1960	9	with	with	ADP
cblr-9983	1960	10	respect	respect	NOUN
cblr-9983	1960	11	to	to	ADP
cblr-9983	1960	12	some	some	DET
cblr-9983	1960	13	issues	issue	NOUN
cblr-9983	1960	14	,	,	PUNCT
cblr-9983	1960	15	the	the	DET
cblr-9983	1960	16	position	position	NOUN
cblr-9983	1960	17	has	have	AUX
cblr-9983	1960	18	not	not	PART
cblr-9983	1960	19	proven	prove	VERB
cblr-9983	1960	20	helpful	helpful	ADJ
cblr-9983	1960	21	in	in	ADP
cblr-9983	1960	22	what	what	PRON
cblr-9983	1960	23	might	might	AUX
cblr-9983	1960	24	be	be	AUX
cblr-9983	1960	25	termed	term	VERB
cblr-9983	1960	26	routine	routine	ADJ
cblr-9983	1960	27	matters	matter	NOUN
cblr-9983	1960	28	of	of	ADP
cblr-9983	1960	29	ratings	rating	NOUN
cblr-9983	1960	30	decisions	decision	NOUN
cblr-9983	1960	31	or	or	CCONJ
cblr-9983	1960	32	consequent	consequent	ADJ
cblr-9983	1960	33	supervisory	supervisory	ADJ
cblr-9983	1960	34	determinations	determination	NOUN
cblr-9983	1960	35	of	of	ADP
cblr-9983	1960	36	other	other	ADJ
cblr-9983	1960	37	sorts	sort	NOUN
cblr-9983	1960	38	.	.	PUNCT
cblr-9983	1961	1	as	as	SCONJ
cblr-9983	1961	2	suggested	suggest	VERB
cblr-9983	1961	3	in	in	ADP
cblr-9983	1961	4	the	the	DET
cblr-9983	1961	5	text	text	NOUN
cblr-9983	1961	6	,	,	PUNCT
cblr-9983	1961	7	an	an	DET
cblr-9983	1961	8	effective	effective	ADJ
cblr-9983	1961	9	internal	internal	ADJ
cblr-9983	1961	10	mechanism	mechanism	NOUN
cblr-9983	1961	11	will	will	AUX
cblr-9983	1961	12	almost	almost	ADV
cblr-9983	1961	13	surely	surely	ADV
cblr-9983	1961	14	require	require	VERB
cblr-9983	1961	15	the	the	DET
cblr-9983	1961	16	expertise	expertise	NOUN
cblr-9983	1961	17	and	and	CCONJ
cblr-9983	1961	18	involvement	involvement	NOUN
cblr-9983	1961	19	of	of	ADP
cblr-9983	1961	20	those	those	PRON
cblr-9983	1961	21	involved	involve	VERB
cblr-9983	1961	22	in	in	ADP
cblr-9983	1961	23	the	the	DET
cblr-9983	1961	24	supervisory	supervisory	ADJ
cblr-9983	1961	25	function	function	NOUN
cblr-9983	1961	26	itself	itself	PRON
cblr-9983	1961	27	,	,	PUNCT
cblr-9983	1961	28	but	but	CCONJ
cblr-9983	1961	29	with	with	ADP
cblr-9983	1961	30	sufficient	sufficient	ADJ
cblr-9983	1961	31	organizational	organizational	ADJ
cblr-9983	1961	32	distance	distance	NOUN
cblr-9983	1961	33	from	from	ADP
cblr-9983	1961	34	the	the	DET
cblr-9983	1961	35	original	original	ADJ
cblr-9983	1961	36	decision	decision	NOUN
cblr-9983	1961	37	-	-	PUNCT
cblr-9983	1961	38	makers	maker	NOUN
cblr-9983	1961	39	to	to	PART
cblr-9983	1961	40	ensure	ensure	VERB
cblr-9983	1961	41	an	an	DET
cblr-9983	1961	42	independent	independent	ADJ
cblr-9983	1961	43	perspective	perspective	NOUN
cblr-9983	1961	44	.	.	PUNCT
cblr-9983	1962	1	306	306	NUM
cblr-9983	1962	2	of	of	ADP
cblr-9983	1962	3	course	course	NOUN
cblr-9983	1962	4	,	,	PUNCT
cblr-9983	1962	5	even	even	ADV
cblr-9983	1962	6	if	if	SCONJ
cblr-9983	1962	7	such	such	DET
cblr-9983	1962	8	an	an	DET
cblr-9983	1962	9	alternative	alternative	ADJ
cblr-9983	1962	10	approach	approach	NOUN
cblr-9983	1962	11	were	be	AUX
cblr-9983	1962	12	adopted	adopt	VERB
cblr-9983	1962	13	,	,	PUNCT
cblr-9983	1962	14	each	each	DET
cblr-9983	1962	15	agency	agency	NOUN
cblr-9983	1962	16	would	would	AUX
cblr-9983	1962	17	need	need	VERB
cblr-9983	1962	18	to	to	PART
cblr-9983	1962	19	maintain	maintain	VERB
cblr-9983	1962	20	a	a	DET
cblr-9983	1962	21	formal	formal	ADJ
cblr-9983	1962	22	,	,	PUNCT
cblr-9983	1962	23	independent	independent	ADJ
cblr-9983	1962	24	ex	ex	X
cblr-9983	1962	25	post	post	NOUN
cblr-9983	1962	26	review	review	NOUN
cblr-9983	1962	27	process	process	NOUN
cblr-9983	1962	28	to	to	PART
cblr-9983	1962	29	satisfy	satisfy	VERB
cblr-9983	1962	30	statutory	statutory	ADJ
cblr-9983	1962	31	requirements	requirement	NOUN
cblr-9983	1962	32	.	.	PUNCT
cblr-9983	1963	1	392	392	NUM
cblr-9983	1963	2	columbia	columbia	PROPN
cblr-9983	1963	3	business	business	NOUN
cblr-9983	1963	4	law	law	PROPN
cblr-9983	1963	5	review	review	NOUN
cblr-9983	1963	6	[	[	X
cblr-9983	1963	7	vol	vol	NOUN
cblr-9983	1963	8	.	.	PUNCT
cblr-9983	1963	9	2022	2022	NUM
cblr-9983	1963	10	system	system	NOUN
cblr-9983	1963	11	.	.	PUNCT
cblr-9983	1964	1	because	because	SCONJ
cblr-9983	1964	2	of	of	ADP
cblr-9983	1964	3	the	the	DET
cblr-9983	1964	4	heterogeneity	heterogeneity	NOUN
cblr-9983	1964	5	,	,	PUNCT
cblr-9983	1964	6	opaqueness	opaqueness	NOUN
cblr-9983	1964	7	,	,	PUNCT
cblr-9983	1964	8	and	and	CCONJ
cblr-9983	1964	9	sometimes	sometimes	ADV
cblr-9983	1964	10	fast	fast	ADV
cblr-9983	1964	11	-	-	PUNCT
cblr-9983	1964	12	changing	change	VERB
cblr-9983	1964	13	activities	activity	NOUN
cblr-9983	1964	14	of	of	ADP
cblr-9983	1964	15	banks	bank	NOUN
cblr-9983	1964	16	,	,	PUNCT
cblr-9983	1964	17	supervision	supervision	NOUN
cblr-9983	1964	18	is	be	AUX
cblr-9983	1964	19	more	more	ADV
cblr-9983	1964	20	effective	effective	ADJ
cblr-9983	1964	21	and	and	CCONJ
cblr-9983	1964	22	efficient	efficient	ADJ
cblr-9983	1964	23	in	in	ADP
cblr-9983	1964	24	achieving	achieve	VERB
cblr-9983	1964	25	an	an	DET
cblr-9983	1964	26	optimal	optimal	ADJ
cblr-9983	1964	27	level	level	NOUN
cblr-9983	1964	28	of	of	ADP
cblr-9983	1964	29	prudential	prudential	ADJ
cblr-9983	1964	30	constraint	constraint	NOUN
cblr-9983	1964	31	than	than	SCONJ
cblr-9983	1964	32	a	a	DET
cblr-9983	1964	33	mix	mix	NOUN
cblr-9983	1964	34	of	of	ADP
cblr-9983	1964	35	very	very	ADV
cblr-9983	1964	36	blunt	blunt	ADJ
cblr-9983	1964	37	and	and	CCONJ
cblr-9983	1964	38	very	very	ADV
cblr-9983	1964	39	detailed	detailed	ADJ
cblr-9983	1964	40	rules	rule	NOUN
cblr-9983	1964	41	would	would	AUX
cblr-9983	1964	42	be	be	AUX
cblr-9983	1964	43	.	.	PUNCT
cblr-9983	1965	1	the	the	DET
cblr-9983	1965	2	multitude	multitude	NOUN
cblr-9983	1965	3	of	of	ADP
cblr-9983	1965	4	potentially	potentially	ADV
cblr-9983	1965	5	unsafe	unsafe	ADJ
cblr-9983	1965	6	and	and	CCONJ
cblr-9983	1965	7	unsound	unsound	ADJ
cblr-9983	1965	8	banking	banking	NOUN
cblr-9983	1965	9	practices	practice	NOUN
cblr-9983	1965	10	means	mean	VERB
cblr-9983	1965	11	that	that	SCONJ
cblr-9983	1965	12	the	the	DET
cblr-9983	1965	13	supervisory	supervisory	ADJ
cblr-9983	1965	14	function	function	NOUN
cblr-9983	1965	15	may	may	AUX
cblr-9983	1965	16	sometimes	sometimes	ADV
cblr-9983	1965	17	be	be	AUX
cblr-9983	1965	18	fairly	fairly	ADV
cblr-9983	1965	19	broad	broad	ADJ
cblr-9983	1965	20	-	-	PUNCT
cblr-9983	1965	21	ranging	ranging	NOUN
cblr-9983	1965	22	.	.	PUNCT
cblr-9983	1966	1	but	but	CCONJ
cblr-9983	1966	2	it	it	PRON
cblr-9983	1966	3	is	be	AUX
cblr-9983	1966	4	not	not	PART
cblr-9983	1966	5	without	without	ADP
cblr-9983	1966	6	limit	limit	NOUN
cblr-9983	1966	7	.	.	PUNCT
cblr-9983	1967	1	so	so	ADV
cblr-9983	1967	2	,	,	PUNCT
cblr-9983	1967	3	for	for	ADP
cblr-9983	1967	4	example	example	NOUN
cblr-9983	1967	5	,	,	PUNCT
cblr-9983	1967	6	it	it	PRON
cblr-9983	1967	7	would	would	AUX
cblr-9983	1967	8	be	be	AUX
cblr-9983	1967	9	inconsistent	inconsistent	ADJ
cblr-9983	1967	10	with	with	ADP
cblr-9983	1967	11	the	the	DET
cblr-9983	1967	12	supervisory	supervisory	ADJ
cblr-9983	1967	13	function	function	NOUN
cblr-9983	1967	14	to	to	PART
cblr-9983	1967	15	use	use	VERB
cblr-9983	1967	16	guidance	guidance	NOUN
cblr-9983	1967	17	in	in	ADP
cblr-9983	1967	18	place	place	NOUN
cblr-9983	1967	19	of	of	ADP
cblr-9983	1967	20	notice	notice	NOUN
cblr-9983	1967	21	-	-	PUNCT
cblr-9983	1967	22	andcomment	andcomment	NOUN
cblr-9983	1967	23	rulemaking	rulemaking	NOUN
cblr-9983	1967	24	as	as	ADP
cblr-9983	1967	25	a	a	DET
cblr-9983	1967	26	way	way	NOUN
cblr-9983	1967	27	to	to	PART
cblr-9983	1967	28	introduce	introduce	VERB
cblr-9983	1967	29	a	a	DET
cblr-9983	1967	30	new	new	ADJ
cblr-9983	1967	31	form	form	NOUN
cblr-9983	1967	32	of	of	ADP
cblr-9983	1967	33	prudential	prudential	ADJ
cblr-9983	1967	34	regulation	regulation	NOUN
cblr-9983	1967	35	,	,	PUNCT
cblr-9983	1967	36	such	such	ADJ
cblr-9983	1967	37	as	as	ADP
cblr-9983	1967	38	quantitative	quantitative	ADJ
cblr-9983	1967	39	liquidity	liquidity	NOUN
cblr-9983	1967	40	ratio	ratio	NOUN
cblr-9983	1967	41	requirements	requirement	NOUN
cblr-9983	1967	42	.	.	PUNCT
cblr-9983	1968	1	however	however	ADV
cblr-9983	1968	2	,	,	PUNCT
cblr-9983	1968	3	as	as	SCONJ
cblr-9983	1968	4	the	the	DET
cblr-9983	1968	5	hypothetical	hypothetical	ADJ
cblr-9983	1968	6	on	on	ADP
cblr-9983	1968	7	risk	risk	NOUN
cblr-9983	1968	8	management	management	NOUN
cblr-9983	1968	9	of	of	ADP
cblr-9983	1968	10	ai	ai	PROPN
cblr-9983	1968	11	models	model	NOUN
cblr-9983	1968	12	in	in	ADP
cblr-9983	1968	13	section	section	NOUN
cblr-9983	1968	14	iii.b	iii.b	PROPN
cblr-9983	1968	15	.	.	PUNCT
cblr-9983	1968	16	showed	show	VERB
cblr-9983	1968	17	,	,	PUNCT
cblr-9983	1968	18	guidance	guidance	NOUN
cblr-9983	1968	19	on	on	ADP
cblr-9983	1968	20	bank	bank	NOUN
cblr-9983	1968	21	practices	practice	NOUN
cblr-9983	1968	22	posing	pose	VERB
cblr-9983	1968	23	safety	safety	NOUN
cblr-9983	1968	24	and	and	CCONJ
cblr-9983	1968	25	soundness	soundness	NOUN
cblr-9983	1968	26	concerns	concern	NOUN
cblr-9983	1968	27	will	will	AUX
cblr-9983	1968	28	often	often	ADV
cblr-9983	1968	29	be	be	AUX
cblr-9983	1968	30	entirely	entirely	ADV
cblr-9983	1968	31	appropriate	appropriate	ADJ
cblr-9983	1968	32	even	even	ADV
cblr-9983	1968	33	where	where	SCONJ
cblr-9983	1968	34	there	there	PRON
cblr-9983	1968	35	is	be	VERB
cblr-9983	1968	36	no	no	DET
cblr-9983	1968	37	regulatory	regulatory	ADJ
cblr-9983	1968	38	rule	rule	NOUN
cblr-9983	1968	39	governing	govern	VERB
cblr-9983	1968	40	the	the	DET
cblr-9983	1968	41	practices	practice	NOUN
cblr-9983	1968	42	in	in	ADP
cblr-9983	1968	43	question	question	NOUN
cblr-9983	1968	44	.	.	PUNCT
cblr-9983	1969	1	the	the	DET
cblr-9983	1969	2	issue	issue	NOUN
cblr-9983	1969	3	,	,	PUNCT
cblr-9983	1969	4	then	then	ADV
cblr-9983	1969	5	,	,	PUNCT
cblr-9983	1969	6	will	will	AUX
cblr-9983	1969	7	be	be	AUX
cblr-9983	1969	8	whether	whether	SCONJ
cblr-9983	1969	9	the	the	DET
cblr-9983	1969	10	agency	agency	NOUN
cblr-9983	1969	11	has	have	AUX
cblr-9983	1969	12	continued	continue	VERB
cblr-9983	1969	13	to	to	PART
cblr-9983	1969	14	use	use	VERB
cblr-9983	1969	15	guidance	guidance	NOUN
cblr-9983	1969	16	,	,	PUNCT
cblr-9983	1969	17	even	even	ADV
cblr-9983	1969	18	after	after	SCONJ
cblr-9983	1969	19	it	it	PRON
cblr-9983	1969	20	has	have	AUX
cblr-9983	1969	21	formulated	formulate	VERB
cblr-9983	1969	22	more	more	ADV
cblr-9983	1969	23	specific	specific	ADJ
cblr-9983	1969	24	requirements	requirement	NOUN
cblr-9983	1969	25	such	such	ADJ
cblr-9983	1969	26	as	as	ADP
cblr-9983	1969	27	quantitative	quantitative	ADJ
cblr-9983	1969	28	liquidity	liquidity	NOUN
cblr-9983	1969	29	ratio	ratio	NOUN
cblr-9983	1969	30	requirements	requirement	NOUN
cblr-9983	1969	31	.	.	PUNCT
cblr-9983	1970	1	another	another	DET
cblr-9983	1970	2	example	example	NOUN
cblr-9983	1970	3	would	would	AUX
cblr-9983	1970	4	be	be	AUX
cblr-9983	1970	5	the	the	DET
cblr-9983	1970	6	use	use	NOUN
cblr-9983	1970	7	of	of	ADP
cblr-9983	1970	8	supervisory	supervisory	ADJ
cblr-9983	1970	9	guidance	guidance	NOUN
cblr-9983	1970	10	either	either	CCONJ
cblr-9983	1970	11	to	to	PART
cblr-9983	1970	12	restrain	restrain	VERB
cblr-9983	1970	13	banks	bank	NOUN
cblr-9983	1970	14	from	from	ADP
cblr-9983	1970	15	,	,	PUNCT
cblr-9983	1970	16	or	or	CCONJ
cblr-9983	1970	17	require	require	VERB
cblr-9983	1970	18	them	they	PRON
cblr-9983	1970	19	to	to	PART
cblr-9983	1970	20	continue	continue	VERB
cblr-9983	1970	21	,	,	PUNCT
cblr-9983	1970	22	lending	lend	VERB
cblr-9983	1970	23	to	to	ADP
cblr-9983	1970	24	certain	certain	ADJ
cblr-9983	1970	25	industries	industry	NOUN
cblr-9983	1970	26	.	.	PUNCT
cblr-9983	1971	1	readers	reader	NOUN
cblr-9983	1971	2	may	may	AUX
cblr-9983	1971	3	recall	recall	VERB
cblr-9983	1971	4	that	that	SCONJ
cblr-9983	1971	5	following	follow	VERB
cblr-9983	1971	6	the	the	DET
cblr-9983	1971	7	mass	mass	NOUN
cblr-9983	1971	8	shooting	shooting	NOUN
cblr-9983	1971	9	at	at	ADP
cblr-9983	1971	10	a	a	DET
cblr-9983	1971	11	parkland	parkland	NOUN
cblr-9983	1971	12	,	,	PUNCT
cblr-9983	1971	13	florida	florida	PROPN
cblr-9983	1971	14	school	school	NOUN
cblr-9983	1971	15	in	in	ADP
cblr-9983	1971	16	early	early	ADJ
cblr-9983	1971	17	2018	2018	NUM
cblr-9983	1971	18	,	,	PUNCT
cblr-9983	1971	19	citigroup	citigroup	PROPN
cblr-9983	1971	20	announced	announce	VERB
cblr-9983	1971	21	that	that	SCONJ
cblr-9983	1971	22	it	it	PRON
cblr-9983	1971	23	would	would	AUX
cblr-9983	1971	24	cease	cease	VERB
cblr-9983	1971	25	doing	do	VERB
cblr-9983	1971	26	business	business	NOUN
cblr-9983	1971	27	with	with	ADP
cblr-9983	1971	28	retail	retail	ADJ
cblr-9983	1971	29	sector	sector	NOUN
cblr-9983	1971	30	customers	customer	NOUN
cblr-9983	1971	31	or	or	CCONJ
cblr-9983	1971	32	partners	partner	NOUN
cblr-9983	1971	33	who	who	PRON
cblr-9983	1971	34	did	do	AUX
cblr-9983	1971	35	not	not	PART
cblr-9983	1971	36	observe	observe	VERB
cblr-9983	1971	37	restrictions	restriction	NOUN
cblr-9983	1971	38	on	on	ADP
cblr-9983	1971	39	sales	sale	NOUN
cblr-9983	1971	40	of	of	ADP
cblr-9983	1971	41	guns	gun	NOUN
cblr-9983	1971	42	to	to	ADP
cblr-9983	1971	43	minors	minor	NOUN
cblr-9983	1971	44	or	or	CCONJ
cblr-9983	1971	45	those	those	PRON
cblr-9983	1971	46	who	who	PRON
cblr-9983	1971	47	had	have	AUX
cblr-9983	1971	48	not	not	PART
cblr-9983	1971	49	passed	pass	VERB
cblr-9983	1971	50	background	background	NOUN
cblr-9983	1971	51	checks.307	checks.307	PROPN
cblr-9983	1971	52	citi	citi	PROPN
cblr-9983	1971	53	’s	’s	PART
cblr-9983	1971	54	decision	decision	NOUN
cblr-9983	1971	55	on	on	ADP
cblr-9983	1971	56	social	social	ADJ
cblr-9983	1971	57	responsibility	responsibility	NOUN
cblr-9983	1971	58	grounds	ground	NOUN
cblr-9983	1971	59	not	not	PART
cblr-9983	1971	60	to	to	PART
cblr-9983	1971	61	lend	lend	VERB
cblr-9983	1971	62	to	to	PART
cblr-9983	1971	63	gun	gun	NOUN
cblr-9983	1971	64	manufacturers	manufacturer	NOUN
cblr-9983	1971	65	was	be	AUX
cblr-9983	1971	66	criticized	criticize	VERB
cblr-9983	1971	67	by	by	ADP
cblr-9983	1971	68	gun	gun	NOUN
cblr-9983	1971	69	rights	right	NOUN
cblr-9983	1971	70	groups308	groups308	PROPN
cblr-9983	1971	71	and	and	CCONJ
cblr-9983	1971	72	at	at	ADV
cblr-9983	1971	73	least	least	ADJ
cblr-9983	1971	74	two	two	NUM
cblr-9983	1971	75	united	united	ADJ
cblr-9983	1971	76	307	307	NUM
cblr-9983	1971	77	ed	ed	PROPN
cblr-9983	1971	78	skyler	skyler	PROPN
cblr-9983	1971	79	,	,	PUNCT
cblr-9983	1971	80	announcing	announce	VERB
cblr-9983	1971	81	our	our	PRON
cblr-9983	1971	82	u.s	u.s	PROPN
cblr-9983	1971	83	.	.	PROPN
cblr-9983	1971	84	commercial	commercial	ADJ
cblr-9983	1971	85	firearms	firearm	NOUN
cblr-9983	1971	86	policy	policy	NOUN
cblr-9983	1971	87	,	,	PUNCT
cblr-9983	1971	88	citigroup	citigroup	PROPN
cblr-9983	1971	89	(	(	PUNCT
cblr-9983	1971	90	mar	mar	PROPN
cblr-9983	1971	91	.	.	PROPN
cblr-9983	1971	92	22	22	NUM
cblr-9983	1971	93	,	,	PUNCT
cblr-9983	1971	94	2018	2018	NUM
cblr-9983	1971	95	11:30	11:30	NUM
cblr-9983	1971	96	am	am	NOUN
cblr-9983	1971	97	)	)	PUNCT
cblr-9983	1971	98	,	,	PUNCT
cblr-9983	1971	99	https://blog.citigroup.com/2018/03/announcing-our-us-commercialfirearms-policy	https://blog.citigroup.com/2018/03/announcing-our-us-commercialfirearms-policy	X
cblr-9983	1971	100	(	(	PUNCT
cblr-9983	1971	101	on	on	ADP
cblr-9983	1971	102	file	file	NOUN
cblr-9983	1971	103	with	with	ADP
cblr-9983	1971	104	the	the	DET
cblr-9983	1971	105	columbia	columbia	PROPN
cblr-9983	1971	106	business	business	PROPN
cblr-9983	1971	107	law	law	PROPN
cblr-9983	1971	108	review	review	PROPN
cblr-9983	1971	109	)	)	PUNCT
cblr-9983	1971	110	.	.	PUNCT
cblr-9983	1972	1	308	308	NUM
cblr-9983	1972	2	katanga	katanga	PROPN
cblr-9983	1972	3	johnson	johnson	PROPN
cblr-9983	1972	4	,	,	PUNCT
cblr-9983	1972	5	u.s	u.s	PROPN
cblr-9983	1972	6	.	.	PROPN
cblr-9983	1972	7	gun	gun	NOUN
cblr-9983	1972	8	lobby	lobby	NOUN
cblr-9983	1972	9	takes	take	VERB
cblr-9983	1972	10	aim	aim	NOUN
cblr-9983	1972	11	at	at	ADP
cblr-9983	1972	12	‘	'	PUNCT
cblr-9983	1972	13	gun	gun	NOUN
cblr-9983	1972	14	-	-	PUNCT
cblr-9983	1972	15	hating	hating	NOUN
cblr-9983	1972	16	’	'	PUNCT
cblr-9983	1972	17	banks	bank	NOUN
cblr-9983	1972	18	citi	citi	PROPN
cblr-9983	1972	19	,	,	PUNCT
cblr-9983	1972	20	bofa	bofa	PROPN
cblr-9983	1972	21	,	,	PUNCT
cblr-9983	1972	22	reuters	reuters	PROPN
cblr-9983	1972	23	(	(	PUNCT
cblr-9983	1972	24	may	may	PROPN
cblr-9983	1972	25	18	18	NUM
cblr-9983	1972	26	,	,	PUNCT
cblr-9983	1972	27	2018	2018	NUM
cblr-9983	1972	28	,	,	PUNCT
cblr-9983	1972	29	12:09	12:09	NUM
cblr-9983	1972	30	pm	pm	NOUN
cblr-9983	1972	31	)	)	PUNCT
cblr-9983	1972	32	,	,	PUNCT
cblr-9983	1972	33	www.reuters.com/article/us-usa-guns-banks/u-s-gun-lobby-takes-aim-at	www.reuters.com/article/us-usa-guns-banks/u-s-gun-lobby-takes-aim-at	VERB
cblr-9983	1972	34	no	no	INTJ
cblr-9983	1972	35	.	.	PUNCT
cblr-9983	1973	1	1:279	1:279	NOUN
cblr-9983	1973	2	]	]	X
cblr-9983	1973	3	bank	bank	NOUN
cblr-9983	1973	4	supervision	supervision	NOUN
cblr-9983	1973	5	and	and	CCONJ
cblr-9983	1973	6	administrative	administrative	ADJ
cblr-9983	1973	7	law	law	NOUN
cblr-9983	1973	8	393	393	NUM
cblr-9983	1973	9	states	state	NOUN
cblr-9983	1973	10	senators.309	senators.309	NOUN
cblr-9983	1973	11	suppose	suppose	VERB
cblr-9983	1973	12	banking	banking	NOUN
cblr-9983	1973	13	agencies	agency	NOUN
cblr-9983	1973	14	wished	wish	VERB
cblr-9983	1973	15	to	to	PART
cblr-9983	1973	16	be	be	AUX
cblr-9983	1973	17	responsive	responsive	ADJ
cblr-9983	1973	18	to	to	ADP
cblr-9983	1973	19	these	these	DET
cblr-9983	1973	20	political	political	ADJ
cblr-9983	1973	21	pressures	pressure	NOUN
cblr-9983	1973	22	by	by	ADP
cblr-9983	1973	23	issuing	issue	VERB
cblr-9983	1973	24	guidance	guidance	NOUN
cblr-9983	1973	25	instructing	instruct	VERB
cblr-9983	1973	26	banks	bank	NOUN
cblr-9983	1973	27	not	not	PART
cblr-9983	1973	28	to	to	PART
cblr-9983	1973	29	discriminate	discriminate	VERB
cblr-9983	1973	30	against	against	ADP
cblr-9983	1973	31	otherwise	otherwise	ADV
cblr-9983	1973	32	lawful	lawful	ADJ
cblr-9983	1973	33	industries	industry	NOUN
cblr-9983	1973	34	in	in	ADP
cblr-9983	1973	35	their	their	PRON
cblr-9983	1973	36	lending	lending	NOUN
cblr-9983	1973	37	decisions	decision	NOUN
cblr-9983	1973	38	.	.	PUNCT
cblr-9983	1974	1	the	the	DET
cblr-9983	1974	2	justifications	justification	NOUN
cblr-9983	1974	3	for	for	ADP
cblr-9983	1974	4	this	this	DET
cblr-9983	1974	5	guidance	guidance	NOUN
cblr-9983	1974	6	would	would	AUX
cblr-9983	1974	7	probably	probably	ADV
cblr-9983	1974	8	be	be	AUX
cblr-9983	1974	9	that	that	SCONJ
cblr-9983	1974	10	the	the	DET
cblr-9983	1974	11	bank	bank	NOUN
cblr-9983	1974	12	practice	practice	NOUN
cblr-9983	1974	13	was	be	AUX
cblr-9983	1974	14	unsafe	unsafe	ADJ
cblr-9983	1974	15	or	or	CCONJ
cblr-9983	1974	16	unsound	unsound	ADJ
cblr-9983	1974	17	because	because	SCONJ
cblr-9983	1974	18	it	it	PRON
cblr-9983	1974	19	exposed	expose	VERB
cblr-9983	1974	20	the	the	DET
cblr-9983	1974	21	bank	bank	NOUN
cblr-9983	1974	22	to	to	ADP
cblr-9983	1974	23	“	"	PUNCT
cblr-9983	1974	24	reputational	reputational	ADJ
cblr-9983	1974	25	risk	risk	NOUN
cblr-9983	1974	26	”	"	PUNCT
cblr-9983	1974	27	and	and	CCONJ
cblr-9983	1974	28	that	that	SCONJ
cblr-9983	1974	29	it	it	PRON
cblr-9983	1974	30	ran	run	VERB
cblr-9983	1974	31	afoul	afoul	ADV
cblr-9983	1974	32	of	of	ADP
cblr-9983	1974	33	the	the	DET
cblr-9983	1974	34	occ	occ	NOUN
cblr-9983	1974	35	’s	’s	PART
cblr-9983	1974	36	mandate	mandate	NOUN
cblr-9983	1974	37	to	to	PART
cblr-9983	1974	38	ensure	ensure	VERB
cblr-9983	1974	39	“	"	PUNCT
cblr-9983	1974	40	fair	fair	ADJ
cblr-9983	1974	41	access	access	NOUN
cblr-9983	1974	42	to	to	ADP
cblr-9983	1974	43	financial	financial	ADJ
cblr-9983	1974	44	services	service	NOUN
cblr-9983	1974	45	.	.	PUNCT
cblr-9983	1974	46	”310	”310	PART
cblr-9983	1974	47	while	while	SCONJ
cblr-9983	1974	48	reputational	reputational	ADJ
cblr-9983	1974	49	risk	risk	NOUN
cblr-9983	1974	50	can	can	AUX
cblr-9983	1974	51	sometimes	sometimes	ADV
cblr-9983	1974	52	be	be	AUX
cblr-9983	1974	53	quite	quite	ADV
cblr-9983	1974	54	significant	significant	ADJ
cblr-9983	1974	55	if	if	SCONJ
cblr-9983	1974	56	the	the	DET
cblr-9983	1974	57	result	result	NOUN
cblr-9983	1974	58	of	of	ADP
cblr-9983	1974	59	the	the	DET
cblr-9983	1974	60	controversial	controversial	ADJ
cblr-9983	1974	61	bank	bank	NOUN
cblr-9983	1974	62	practice	practice	NOUN
cblr-9983	1974	63	is	be	AUX
cblr-9983	1974	64	a	a	DET
cblr-9983	1974	65	substantial	substantial	ADJ
cblr-9983	1974	66	loss	loss	NOUN
cblr-9983	1974	67	of	of	ADP
cblr-9983	1974	68	customer	customer	NOUN
cblr-9983	1974	69	or	or	CCONJ
cblr-9983	1974	70	counterparty	counterparty	NOUN
cblr-9983	1974	71	business	business	NOUN
cblr-9983	1974	72	,	,	PUNCT
cblr-9983	1974	73	it	it	PRON
cblr-9983	1974	74	can	can	AUX
cblr-9983	1974	75	also	also	ADV
cblr-9983	1974	76	be	be	AUX
cblr-9983	1974	77	used	use	VERB
cblr-9983	1974	78	as	as	ADP
cblr-9983	1974	79	a	a	DET
cblr-9983	1974	80	pretext	pretext	NOUN
cblr-9983	1974	81	for	for	ADP
cblr-9983	1974	82	extending	extend	VERB
cblr-9983	1974	83	banking	banking	NOUN
cblr-9983	1974	84	agency	agency	NOUN
cblr-9983	1974	85	policies	policy	NOUN
cblr-9983	1974	86	into	into	ADP
cblr-9983	1974	87	areas	area	NOUN
cblr-9983	1974	88	only	only	ADV
cblr-9983	1974	89	tenuously	tenuously	ADV
cblr-9983	1974	90	related	relate	VERB
cblr-9983	1974	91	to	to	ADP
cblr-9983	1974	92	safety	safety	NOUN
cblr-9983	1974	93	and	and	CCONJ
cblr-9983	1974	94	soundness	soundness	NOUN
cblr-9983	1974	95	.	.	PUNCT
cblr-9983	1975	1	indeed	indeed	ADV
cblr-9983	1975	2	,	,	PUNCT
cblr-9983	1975	3	since	since	SCONJ
cblr-9983	1975	4	many	many	ADJ
cblr-9983	1975	5	bank	bank	NOUN
cblr-9983	1975	6	practices	practice	NOUN
cblr-9983	1975	7	unrelated	unrelated	ADJ
cblr-9983	1975	8	to	to	ADP
cblr-9983	1975	9	lending	lending	NOUN
cblr-9983	1975	10	or	or	CCONJ
cblr-9983	1975	11	other	other	ADJ
cblr-9983	1975	12	financial	financial	ADJ
cblr-9983	1975	13	gun	gun	NOUN
cblr-9983	1975	14	-	-	PUNCT
cblr-9983	1975	15	hating	hate	VERB
cblr-9983	1975	16	-	-	PUNCT
cblr-9983	1975	17	banks	bank	NOUN
cblr-9983	1975	18	-	-	PUNCT
cblr-9983	1975	19	citi	citi	NOUN
cblr-9983	1975	20	-	-	PUNCT
cblr-9983	1975	21	bofa	bofa	PROPN
cblr-9983	1975	22	-	-	PUNCT
cblr-9983	1975	23	iduskcn1ij260	iduskcn1ij260	NOUN
cblr-9983	1975	24	[	[	X
cblr-9983	1975	25	https://perma.cc/w8ct9jsm	https://perma.cc/w8ct9jsm	PROPN
cblr-9983	1975	26	]	]	PUNCT
cblr-9983	1975	27	.	.	PUNCT
cblr-9983	1976	1	309	309	NUM
cblr-9983	1976	2	alan	alan	PROPN
cblr-9983	1976	3	rappeport	rappeport	NOUN
cblr-9983	1976	4	,	,	PUNCT
cblr-9983	1976	5	banks	bank	NOUN
cblr-9983	1976	6	tried	try	VERB
cblr-9983	1976	7	to	to	PART
cblr-9983	1976	8	curb	curb	VERB
cblr-9983	1976	9	gun	gun	NOUN
cblr-9983	1976	10	sales	sale	NOUN
cblr-9983	1976	11	.	.	PUNCT
cblr-9983	1977	1	now	now	ADV
cblr-9983	1977	2	republicans	republicans	PROPN
cblr-9983	1977	3	are	be	AUX
cblr-9983	1977	4	trying	try	VERB
cblr-9983	1977	5	to	to	PART
cblr-9983	1977	6	stop	stop	VERB
cblr-9983	1977	7	them	they	PRON
cblr-9983	1977	8	,	,	PUNCT
cblr-9983	1977	9	n.y	n.y	PROPN
cblr-9983	1977	10	.	.	PROPN
cblr-9983	1977	11	times	times	PROPN
cblr-9983	1977	12	(	(	PUNCT
cblr-9983	1977	13	may	may	PROPN
cblr-9983	1977	14	25	25	NUM
cblr-9983	1977	15	,	,	PUNCT
cblr-9983	1977	16	2018	2018	NUM
cblr-9983	1977	17	)	)	PUNCT
cblr-9983	1977	18	,	,	PUNCT
cblr-9983	1977	19	https://www.nytimes.com/2018/05/25/us/politics/banks-gun-salesrepublicans.html	https://www.nytimes.com/2018/05/25/us/politics/banks-gun-salesrepublicans.html	NUM
cblr-9983	1978	1	[	[	X
cblr-9983	1978	2	https://perma.cc/c3l8-9cm2	https://perma.cc/c3l8-9cm2	NOUN
cblr-9983	1978	3	]	]	X
cblr-9983	1978	4	.	.	PUNCT
cblr-9983	1979	1	310	310	NUM
cblr-9983	1979	2	12	12	NUM
cblr-9983	1979	3	u.s.c	u.s.c	NOUN
cblr-9983	1979	4	.	.	PUNCT
cblr-9983	1980	1	§	§	PROPN
cblr-9983	1980	2	1(a	1(a	NUM
cblr-9983	1980	3	)	)	PUNCT
cblr-9983	1980	4	(	(	PUNCT
cblr-9983	1980	5	2018	2018	NUM
cblr-9983	1980	6	)	)	PUNCT
cblr-9983	1980	7	.	.	PUNCT
cblr-9983	1981	1	in	in	ADP
cblr-9983	1981	2	a	a	DET
cblr-9983	1981	3	similar	similar	ADJ
cblr-9983	1981	4	situation	situation	NOUN
cblr-9983	1981	5	involving	involve	VERB
cblr-9983	1981	6	the	the	DET
cblr-9983	1981	7	reluctance	reluctance	NOUN
cblr-9983	1981	8	of	of	ADP
cblr-9983	1981	9	banks	bank	NOUN
cblr-9983	1981	10	to	to	PART
cblr-9983	1981	11	lend	lend	VERB
cblr-9983	1981	12	to	to	ADP
cblr-9983	1981	13	companies	company	NOUN
cblr-9983	1981	14	engaged	engage	VERB
cblr-9983	1981	15	in	in	ADP
cblr-9983	1981	16	oil	oil	NOUN
cblr-9983	1981	17	drilling	drilling	NOUN
cblr-9983	1981	18	in	in	ADP
cblr-9983	1981	19	the	the	DET
cblr-9983	1981	20	arctic	arctic	NOUN
cblr-9983	1981	21	—	—	PUNCT
cblr-9983	1981	22	presumably	presumably	ADV
cblr-9983	1981	23	at	at	ADV
cblr-9983	1981	24	least	least	ADJ
cblr-9983	1981	25	partially	partially	ADV
cblr-9983	1981	26	because	because	SCONJ
cblr-9983	1981	27	of	of	ADP
cblr-9983	1981	28	pressures	pressure	NOUN
cblr-9983	1981	29	from	from	ADP
cblr-9983	1981	30	environmental	environmental	ADJ
cblr-9983	1981	31	groups	group	NOUN
cblr-9983	1981	32	—	—	PUNCT
cblr-9983	1981	33	the	the	DET
cblr-9983	1981	34	acting	act	VERB
cblr-9983	1981	35	comptroller	comptroller	NOUN
cblr-9983	1981	36	of	of	ADP
cblr-9983	1981	37	the	the	DET
cblr-9983	1981	38	occ	occ	NOUN
cblr-9983	1981	39	responded	respond	VERB
cblr-9983	1981	40	favorably	favorably	ADV
cblr-9983	1981	41	to	to	ADP
cblr-9983	1981	42	the	the	DET
cblr-9983	1981	43	suggestion	suggestion	NOUN
cblr-9983	1981	44	by	by	ADP
cblr-9983	1981	45	a	a	DET
cblr-9983	1981	46	senator	senator	NOUN
cblr-9983	1981	47	from	from	ADP
cblr-9983	1981	48	alaska	alaska	PROPN
cblr-9983	1981	49	that	that	SCONJ
cblr-9983	1981	50	the	the	DET
cblr-9983	1981	51	refusal	refusal	NOUN
cblr-9983	1981	52	of	of	ADP
cblr-9983	1981	53	the	the	DET
cblr-9983	1981	54	banks	bank	NOUN
cblr-9983	1981	55	might	might	AUX
cblr-9983	1981	56	constitute	constitute	VERB
cblr-9983	1981	57	a	a	DET
cblr-9983	1981	58	violation	violation	NOUN
cblr-9983	1981	59	of	of	ADP
cblr-9983	1981	60	this	this	DET
cblr-9983	1981	61	section	section	NOUN
cblr-9983	1981	62	.	.	PUNCT
cblr-9983	1982	1	letter	letter	NOUN
cblr-9983	1982	2	from	from	ADP
cblr-9983	1982	3	brian	brian	PROPN
cblr-9983	1982	4	brooks	brooks	PROPN
cblr-9983	1982	5	,	,	PUNCT
cblr-9983	1982	6	acting	act	VERB
cblr-9983	1982	7	comptroller	comptroller	NOUN
cblr-9983	1982	8	of	of	ADP
cblr-9983	1982	9	the	the	DET
cblr-9983	1982	10	currency	currency	NOUN
cblr-9983	1982	11	,	,	PUNCT
cblr-9983	1982	12	to	to	ADP
cblr-9983	1982	13	dan	dan	PROPN
cblr-9983	1982	14	sullivan	sullivan	PROPN
cblr-9983	1982	15	,	,	PUNCT
cblr-9983	1982	16	sen	sen	PROPN
cblr-9983	1982	17	.	.	PROPN
cblr-9983	1982	18	,	,	PUNCT
cblr-9983	1982	19	(	(	PUNCT
cblr-9983	1982	20	july	july	PROPN
cblr-9983	1982	21	24	24	NUM
cblr-9983	1982	22	,	,	PUNCT
cblr-9983	1982	23	2020	2020	NUM
cblr-9983	1982	24	)	)	PUNCT
cblr-9983	1982	25	,	,	PUNCT
cblr-9983	1982	26	https://bankingjournal.aba.com/wp-content/uploads/2020/07/brian-brooksocc-letter-sen-dan-sullivan.pdf	https://bankingjournal.aba.com/wp-content/uploads/2020/07/brian-brooksocc-letter-sen-dan-sullivan.pdf	NOUN
cblr-9983	1983	1	[	[	X
cblr-9983	1983	2	https://perma.cc/r2bl-j9vk	https://perma.cc/r2bl-j9vk	X
cblr-9983	1983	3	]	]	X
cblr-9983	1983	4	.	.	PUNCT
cblr-9983	1984	1	a	a	DET
cblr-9983	1984	2	look	look	NOUN
cblr-9983	1984	3	at	at	ADP
cblr-9983	1984	4	that	that	DET
cblr-9983	1984	5	first	first	ADJ
cblr-9983	1984	6	section	section	NOUN
cblr-9983	1984	7	of	of	ADP
cblr-9983	1984	8	the	the	DET
cblr-9983	1984	9	national	national	PROPN
cblr-9983	1984	10	bank	bank	PROPN
cblr-9983	1984	11	act	act	PROPN
cblr-9983	1984	12	suggests	suggest	VERB
cblr-9983	1984	13	this	this	PRON
cblr-9983	1984	14	is	be	AUX
cblr-9983	1984	15	a	a	DET
cblr-9983	1984	16	tenuous	tenuous	ADJ
cblr-9983	1984	17	argument	argument	NOUN
cblr-9983	1984	18	at	at	ADP
cblr-9983	1984	19	best	well	ADV
cblr-9983	1984	20	:	:	PUNCT
cblr-9983	1984	21	there	there	PRON
cblr-9983	1984	22	is	be	AUX
cblr-9983	1984	23	established	establish	VERB
cblr-9983	1984	24	in	in	ADP
cblr-9983	1984	25	the	the	DET
cblr-9983	1984	26	department	department	NOUN
cblr-9983	1984	27	of	of	ADP
cblr-9983	1984	28	the	the	DET
cblr-9983	1984	29	treasury	treasury	PROPN
cblr-9983	1984	30	a	a	DET
cblr-9983	1984	31	bureau	bureau	NOUN
cblr-9983	1984	32	to	to	PART
cblr-9983	1984	33	be	be	AUX
cblr-9983	1984	34	known	know	VERB
cblr-9983	1984	35	as	as	ADP
cblr-9983	1984	36	the	the	DET
cblr-9983	1984	37	“	"	PUNCT
cblr-9983	1984	38	office	office	NOUN
cblr-9983	1984	39	of	of	ADP
cblr-9983	1984	40	the	the	DET
cblr-9983	1984	41	comptroller	comptroller	NOUN
cblr-9983	1984	42	of	of	ADP
cblr-9983	1984	43	the	the	DET
cblr-9983	1984	44	currency	currency	NOUN
cblr-9983	1984	45	”	"	PUNCT
cblr-9983	1984	46	which	which	PRON
cblr-9983	1984	47	is	be	AUX
cblr-9983	1984	48	charged	charge	VERB
cblr-9983	1984	49	with	with	ADP
cblr-9983	1984	50	assuring	assure	VERB
cblr-9983	1984	51	the	the	DET
cblr-9983	1984	52	safety	safety	NOUN
cblr-9983	1984	53	and	and	CCONJ
cblr-9983	1984	54	soundness	soundness	NOUN
cblr-9983	1984	55	of	of	ADP
cblr-9983	1984	56	,	,	PUNCT
cblr-9983	1984	57	and	and	CCONJ
cblr-9983	1984	58	compliance	compliance	NOUN
cblr-9983	1984	59	with	with	ADP
cblr-9983	1984	60	laws	law	NOUN
cblr-9983	1984	61	and	and	CCONJ
cblr-9983	1984	62	regulations	regulation	NOUN
cblr-9983	1984	63	,	,	PUNCT
cblr-9983	1984	64	fair	fair	ADJ
cblr-9983	1984	65	access	access	NOUN
cblr-9983	1984	66	to	to	ADP
cblr-9983	1984	67	financial	financial	ADJ
cblr-9983	1984	68	services	service	NOUN
cblr-9983	1984	69	,	,	PUNCT
cblr-9983	1984	70	and	and	CCONJ
cblr-9983	1984	71	fair	fair	ADJ
cblr-9983	1984	72	treatment	treatment	NOUN
cblr-9983	1984	73	of	of	ADP
cblr-9983	1984	74	customers	customer	NOUN
cblr-9983	1984	75	by	by	ADP
cblr-9983	1984	76	,	,	PUNCT
cblr-9983	1984	77	the	the	DET
cblr-9983	1984	78	institutions	institution	NOUN
cblr-9983	1984	79	and	and	CCONJ
cblr-9983	1984	80	other	other	ADJ
cblr-9983	1984	81	persons	person	NOUN
cblr-9983	1984	82	subject	subject	ADJ
cblr-9983	1984	83	to	to	ADP
cblr-9983	1984	84	its	its	PRON
cblr-9983	1984	85	jurisdiction	jurisdiction	NOUN
cblr-9983	1984	86	.	.	PUNCT
cblr-9983	1985	1	12	12	NUM
cblr-9983	1985	2	u.s.c	u.s.c	ADJ
cblr-9983	1985	3	.	.	PUNCT
cblr-9983	1986	1	§	§	PROPN
cblr-9983	1986	2	1	1	NUM
cblr-9983	1986	3	(	(	PUNCT
cblr-9983	1986	4	2018	2018	NUM
cblr-9983	1986	5	)	)	PUNCT
cblr-9983	1986	6	(	(	PUNCT
cblr-9983	1986	7	emphasis	emphasis	NOUN
cblr-9983	1986	8	added	add	VERB
cblr-9983	1986	9	)	)	PUNCT
cblr-9983	1986	10	.	.	PUNCT
cblr-9983	1987	1	bootstrapping	bootstrappe	VERB
cblr-9983	1987	2	a	a	DET
cblr-9983	1987	3	general	general	ADJ
cblr-9983	1987	4	charge	charge	NOUN
cblr-9983	1987	5	of	of	ADP
cblr-9983	1987	6	the	the	DET
cblr-9983	1987	7	occ	occ	NOUN
cblr-9983	1987	8	into	into	ADP
cblr-9983	1987	9	an	an	DET
cblr-9983	1987	10	obligation	obligation	NOUN
cblr-9983	1987	11	by	by	ADP
cblr-9983	1987	12	individual	individual	ADJ
cblr-9983	1987	13	banks	bank	NOUN
cblr-9983	1987	14	to	to	PART
cblr-9983	1987	15	lend	lend	VERB
cblr-9983	1987	16	to	to	ADP
cblr-9983	1987	17	all	all	DET
cblr-9983	1987	18	comers	comer	NOUN
cblr-9983	1987	19	seems	seem	VERB
cblr-9983	1987	20	more	more	ADJ
cblr-9983	1987	21	than	than	ADP
cblr-9983	1987	22	a	a	DET
cblr-9983	1987	23	bit	bit	NOUN
cblr-9983	1987	24	of	of	ADP
cblr-9983	1987	25	a	a	DET
cblr-9983	1987	26	stretch	stretch	NOUN
cblr-9983	1987	27	.	.	PUNCT
cblr-9983	1988	1	394	394	NUM
cblr-9983	1988	2	columbia	columbia	PROPN
cblr-9983	1988	3	business	business	NOUN
cblr-9983	1988	4	law	law	PROPN
cblr-9983	1988	5	review	review	NOUN
cblr-9983	1988	6	[	[	X
cblr-9983	1988	7	vol	vol	NOUN
cblr-9983	1988	8	.	.	PUNCT
cblr-9983	1989	1	2022	2022	NUM
cblr-9983	1989	2	activities	activity	NOUN
cblr-9983	1989	3	—	—	PUNCT
cblr-9983	1989	4	from	from	ADP
cblr-9983	1989	5	its	its	PRON
cblr-9983	1989	6	philanthropic	philanthropic	NOUN
cblr-9983	1989	7	decisions	decision	NOUN
cblr-9983	1989	8	to	to	ADP
cblr-9983	1989	9	its	its	PRON
cblr-9983	1989	10	human	human	ADJ
cblr-9983	1989	11	resources	resource	NOUN
cblr-9983	1989	12	policies	policy	NOUN
cblr-9983	1989	13	—	—	PUNCT
cblr-9983	1989	14	can	can	AUX
cblr-9983	1989	15	elicit	elicit	VERB
cblr-9983	1989	16	public	public	ADJ
cblr-9983	1989	17	criticism	criticism	NOUN
cblr-9983	1989	18	from	from	ADP
cblr-9983	1989	19	some	some	DET
cblr-9983	1989	20	interest	interest	NOUN
cblr-9983	1989	21	groups	group	NOUN
cblr-9983	1989	22	and	and	CCONJ
cblr-9983	1989	23	elected	elect	VERB
cblr-9983	1989	24	officials	official	NOUN
cblr-9983	1989	25	,	,	PUNCT
cblr-9983	1989	26	virtually	virtually	ADV
cblr-9983	1989	27	anything	anything	PRON
cblr-9983	1989	28	can	can	AUX
cblr-9983	1989	29	be	be	AUX
cblr-9983	1989	30	denominated	denominate	VERB
cblr-9983	1989	31	a	a	DET
cblr-9983	1989	32	reputational	reputational	ADJ
cblr-9983	1989	33	risk	risk	NOUN
cblr-9983	1989	34	.	.	PUNCT
cblr-9983	1990	1	and	and	CCONJ
cblr-9983	1990	2	it	it	PRON
cblr-9983	1990	3	would	would	AUX
cblr-9983	1990	4	be	be	AUX
cblr-9983	1990	5	a	a	DET
cblr-9983	1990	6	considerable	considerable	ADJ
cblr-9983	1990	7	stretch	stretch	NOUN
cblr-9983	1990	8	to	to	PART
cblr-9983	1990	9	bootstrap	bootstrap	VERB
cblr-9983	1990	10	a	a	DET
cblr-9983	1990	11	general	general	ADJ
cblr-9983	1990	12	statutory	statutory	ADJ
cblr-9983	1990	13	charge	charge	NOUN
cblr-9983	1990	14	that	that	SCONJ
cblr-9983	1990	15	the	the	DET
cblr-9983	1990	16	comptroller	comptroller	NOUN
cblr-9983	1990	17	ensure	ensure	VERB
cblr-9983	1990	18	fair	fair	ADJ
cblr-9983	1990	19	access	access	NOUN
cblr-9983	1990	20	to	to	ADP
cblr-9983	1990	21	financial	financial	ADJ
cblr-9983	1990	22	services	service	NOUN
cblr-9983	1990	23	into	into	ADP
cblr-9983	1990	24	supervisory	supervisory	ADJ
cblr-9983	1990	25	guidance	guidance	NOUN
cblr-9983	1990	26	pushing	push	VERB
cblr-9983	1990	27	banks	bank	NOUN
cblr-9983	1990	28	to	to	PART
cblr-9983	1990	29	lend	lend	VERB
cblr-9983	1990	30	to	to	ADP
cblr-9983	1990	31	specific	specific	ADJ
cblr-9983	1990	32	borrowers	borrower	NOUN
cblr-9983	1990	33	or	or	CCONJ
cblr-9983	1990	34	industries	industry	NOUN
cblr-9983	1990	35	.	.	PUNCT
cblr-9983	1991	1	while	while	SCONJ
cblr-9983	1991	2	there	there	PRON
cblr-9983	1991	3	may	may	AUX
cblr-9983	1991	4	sometimes	sometimes	ADV
cblr-9983	1991	5	be	be	AUX
cblr-9983	1991	6	good	good	ADJ
cblr-9983	1991	7	reason	reason	NOUN
cblr-9983	1991	8	for	for	SCONJ
cblr-9983	1991	9	a	a	DET
cblr-9983	1991	10	banking	banking	NOUN
cblr-9983	1991	11	agency	agency	NOUN
cblr-9983	1991	12	to	to	PART
cblr-9983	1991	13	act	act	VERB
cblr-9983	1991	14	in	in	ADP
cblr-9983	1991	15	these	these	DET
cblr-9983	1991	16	kinds	kind	NOUN
cblr-9983	1991	17	of	of	ADP
cblr-9983	1991	18	circumstances	circumstance	NOUN
cblr-9983	1991	19	,	,	PUNCT
cblr-9983	1991	20	it	it	PRON
cblr-9983	1991	21	should	should	AUX
cblr-9983	1991	22	not	not	PART
cblr-9983	1991	23	be	be	AUX
cblr-9983	1991	24	able	able	ADJ
cblr-9983	1991	25	to	to	PART
cblr-9983	1991	26	exert	exert	VERB
cblr-9983	1991	27	influence	influence	NOUN
cblr-9983	1991	28	through	through	ADP
cblr-9983	1991	29	the	the	DET
cblr-9983	1991	30	iterative	iterative	ADJ
cblr-9983	1991	31	supervisory	supervisory	ADJ
cblr-9983	1991	32	relationship	relationship	NOUN
cblr-9983	1991	33	to	to	PART
cblr-9983	1991	34	avoid	avoid	VERB
cblr-9983	1991	35	justifying	justify	VERB
cblr-9983	1991	36	the	the	DET
cblr-9983	1991	37	agency	agency	NOUN
cblr-9983	1991	38	’s	’s	PART
cblr-9983	1991	39	authority	authority	NOUN
cblr-9983	1991	40	to	to	PART
cblr-9983	1991	41	act	act	VERB
cblr-9983	1991	42	and	and	CCONJ
cblr-9983	1991	43	taking	take	VERB
cblr-9983	1991	44	comments	comment	NOUN
cblr-9983	1991	45	on	on	ADP
cblr-9983	1991	46	the	the	DET
cblr-9983	1991	47	merits	merit	NOUN
cblr-9983	1991	48	of	of	ADP
cblr-9983	1991	49	its	its	PRON
cblr-9983	1991	50	actions.311	actions.311	NOUN
cblr-9983	1991	51	just	just	ADV
cblr-9983	1991	52	as	as	SCONJ
cblr-9983	1991	53	the	the	DET
cblr-9983	1991	54	line	line	NOUN
cblr-9983	1991	55	between	between	ADP
cblr-9983	1991	56	nascent	nascent	ADJ
cblr-9983	1991	57	safety	safety	NOUN
cblr-9983	1991	58	and	and	CCONJ
cblr-9983	1991	59	soundness	soundness	NOUN
cblr-9983	1991	60	concerns	concern	NOUN
cblr-9983	1991	61	and	and	CCONJ
cblr-9983	1991	62	specific	specific	ADJ
cblr-9983	1991	63	regulatory	regulatory	ADJ
cblr-9983	1991	64	requirements	requirement	NOUN
cblr-9983	1991	65	may	may	AUX
cblr-9983	1991	66	in	in	ADP
cblr-9983	1991	67	some	some	DET
cblr-9983	1991	68	cases	case	NOUN
cblr-9983	1991	69	be	be	VERB
cblr-9983	1991	70	blurry	blurry	ADJ
cblr-9983	1991	71	,	,	PUNCT
cblr-9983	1991	72	so	so	CCONJ
cblr-9983	1991	73	the	the	DET
cblr-9983	1991	74	line	line	NOUN
cblr-9983	1991	75	between	between	ADP
cblr-9983	1991	76	prudential	prudential	ADJ
cblr-9983	1991	77	concerns	concern	NOUN
cblr-9983	1991	78	and	and	CCONJ
cblr-9983	1991	79	non	non	ADJ
cblr-9983	1991	80	-	-	ADJ
cblr-9983	1991	81	prudential	prudential	ADJ
cblr-9983	1991	82	areas	area	NOUN
cblr-9983	1991	83	may	may	AUX
cblr-9983	1991	84	sometimes	sometimes	ADV
cblr-9983	1991	85	not	not	PART
cblr-9983	1991	86	be	be	AUX
cblr-9983	1991	87	clear	clear	ADJ
cblr-9983	1991	88	.	.	PUNCT
cblr-9983	1992	1	there	there	PRON
cblr-9983	1992	2	will	will	AUX
cblr-9983	1992	3	of	of	ADP
cblr-9983	1992	4	course	course	NOUN
cblr-9983	1992	5	be	be	AUX
cblr-9983	1992	6	close	close	ADJ
cblr-9983	1992	7	cases	case	NOUN
cblr-9983	1992	8	.	.	PUNCT
cblr-9983	1993	1	but	but	CCONJ
cblr-9983	1993	2	these	these	DET
cblr-9983	1993	3	two	two	NUM
cblr-9983	1993	4	distinctions	distinction	NOUN
cblr-9983	1993	5	are	be	AUX
cblr-9983	1993	6	a	a	DET
cblr-9983	1993	7	good	good	ADJ
cblr-9983	1993	8	starting	starting	NOUN
cblr-9983	1993	9	point	point	NOUN
cblr-9983	1993	10	for	for	ADP
cblr-9983	1993	11	delimiting	delimit	VERB
cblr-9983	1993	12	the	the	DET
cblr-9983	1993	13	supervisory	supervisory	ADJ
cblr-9983	1993	14	function	function	NOUN
cblr-9983	1993	15	.	.	PUNCT
cblr-9983	1994	1	and	and	CCONJ
cblr-9983	1994	2	,	,	PUNCT
cblr-9983	1994	3	of	of	ADP
cblr-9983	1994	4	course	course	NOUN
cblr-9983	1994	5	,	,	PUNCT
cblr-9983	1994	6	once	once	ADV
cblr-9983	1994	7	a	a	DET
cblr-9983	1994	8	regulatory	regulatory	ADJ
cblr-9983	1994	9	rule	rule	NOUN
cblr-9983	1994	10	is	be	AUX
cblr-9983	1994	11	in	in	ADP
cblr-9983	1994	12	place	place	NOUN
cblr-9983	1994	13	,	,	PUNCT
cblr-9983	1994	14	supervisory	supervisory	ADJ
cblr-9983	1994	15	evaluation	evaluation	NOUN
cblr-9983	1994	16	of	of	ADP
cblr-9983	1994	17	compliance	compliance	NOUN
cblr-9983	1994	18	would	would	AUX
cblr-9983	1994	19	be	be	AUX
cblr-9983	1994	20	wholly	wholly	ADV
cblr-9983	1994	21	proper	proper	ADJ
cblr-9983	1994	22	,	,	PUNCT
cblr-9983	1994	23	as	as	SCONJ
cblr-9983	1994	24	is	be	AUX
cblr-9983	1994	25	the	the	DET
cblr-9983	1994	26	case	case	NOUN
cblr-9983	1994	27	today	today	NOUN
cblr-9983	1994	28	with	with	ADP
cblr-9983	1994	29	anti	anti	ADJ
cblr-9983	1994	30	-	-	ADJ
cblr-9983	1994	31	money	money	ADJ
cblr-9983	1994	32	laundering	laundering	NOUN
cblr-9983	1994	33	and	and	CCONJ
cblr-9983	1994	34	consumer	consumer	NOUN
cblr-9983	1994	35	protection	protection	NOUN
cblr-9983	1994	36	regulations	regulation	NOUN
cblr-9983	1994	37	.	.	PUNCT
cblr-9983	1995	1	311	311	NUM
cblr-9983	1995	2	whatever	whatever	PRON
cblr-9983	1995	3	the	the	DET
cblr-9983	1995	4	limits	limit	NOUN
cblr-9983	1995	5	of	of	ADP
cblr-9983	1995	6	occ	occ	NOUN
cblr-9983	1995	7	’s	’s	PART
cblr-9983	1995	8	legal	legal	ADJ
cblr-9983	1995	9	authority	authority	NOUN
cblr-9983	1995	10	to	to	PART
cblr-9983	1995	11	require	require	VERB
cblr-9983	1995	12	banks	bank	NOUN
cblr-9983	1995	13	to	to	PART
cblr-9983	1995	14	lend	lend	VERB
cblr-9983	1995	15	to	to	ADP
cblr-9983	1995	16	specific	specific	ADJ
cblr-9983	1995	17	borrowers	borrower	NOUN
cblr-9983	1995	18	or	or	CCONJ
cblr-9983	1995	19	classes	class	NOUN
cblr-9983	1995	20	of	of	ADP
cblr-9983	1995	21	borrowers	borrower	NOUN
cblr-9983	1995	22	,	,	PUNCT
cblr-9983	1995	23	it	it	PRON
cblr-9983	1995	24	is	be	AUX
cblr-9983	1995	25	noteworthy	noteworthy	ADJ
cblr-9983	1995	26	in	in	ADP
cblr-9983	1995	27	the	the	DET
cblr-9983	1995	28	current	current	ADJ
cblr-9983	1995	29	context	context	NOUN
cblr-9983	1995	30	that	that	SCONJ
cblr-9983	1995	31	,	,	PUNCT
cblr-9983	1995	32	in	in	ADP
cblr-9983	1995	33	response	response	NOUN
cblr-9983	1995	34	to	to	ADP
cblr-9983	1995	35	the	the	DET
cblr-9983	1995	36	controversy	controversy	NOUN
cblr-9983	1995	37	around	around	ADP
cblr-9983	1995	38	bank	bank	NOUN
cblr-9983	1995	39	lending	lending	NOUN
cblr-9983	1995	40	to	to	ADP
cblr-9983	1995	41	oil	oil	NOUN
cblr-9983	1995	42	companies	company	NOUN
cblr-9983	1995	43	,	,	PUNCT
cblr-9983	1995	44	the	the	DET
cblr-9983	1995	45	acting	act	VERB
cblr-9983	1995	46	comptroller	comptroller	NOUN
cblr-9983	1995	47	began	begin	VERB
cblr-9983	1995	48	a	a	DET
cblr-9983	1995	49	notice	notice	NOUN
cblr-9983	1995	50	-	-	PUNCT
cblr-9983	1995	51	and	and	CCONJ
cblr-9983	1995	52	-	-	PUNCT
cblr-9983	1995	53	comment	comment	NOUN
cblr-9983	1995	54	rulemaking	rulemaking	NOUN
cblr-9983	1995	55	,	,	PUNCT
cblr-9983	1995	56	albeit	albeit	SCONJ
cblr-9983	1995	57	an	an	DET
cblr-9983	1995	58	eleventh	eleventh	ADJ
cblr-9983	1995	59	-	-	PUNCT
cblr-9983	1995	60	hour	hour	NOUN
cblr-9983	1995	61	one	one	NUM
cblr-9983	1995	62	following	follow	VERB
cblr-9983	1995	63	president	president	PROPN
cblr-9983	1995	64	trump	trump	NOUN
cblr-9983	1995	65	’s	’s	PART
cblr-9983	1995	66	defeat	defeat	NOUN
cblr-9983	1995	67	in	in	ADP
cblr-9983	1995	68	the	the	DET
cblr-9983	1995	69	november	november	PROPN
cblr-9983	1995	70	2020	2020	NUM
cblr-9983	1995	71	election	election	NOUN
cblr-9983	1995	72	.	.	PUNCT
cblr-9983	1996	1	see	see	VERB
cblr-9983	1996	2	fair	fair	ADJ
cblr-9983	1996	3	access	access	NOUN
cblr-9983	1996	4	to	to	ADP
cblr-9983	1996	5	financial	financial	ADJ
cblr-9983	1996	6	services	service	NOUN
cblr-9983	1996	7	(	(	PUNCT
cblr-9983	1996	8	fair	fair	ADJ
cblr-9983	1996	9	access	access	NOUN
cblr-9983	1996	10	rule	rule	NOUN
cblr-9983	1996	11	)	)	PUNCT
cblr-9983	1996	12	,	,	PUNCT
cblr-9983	1996	13	85	85	NUM
cblr-9983	1996	14	fed	feed	VERB
cblr-9983	1996	15	.	.	PUNCT
cblr-9983	1997	1	reg	reg	PROPN
cblr-9983	1997	2	.	.	PROPN
cblr-9983	1998	1	75,261	75,261	NUM
cblr-9983	1998	2	,	,	PUNCT
cblr-9983	1998	3	75,264	75,264	NUM
cblr-9983	1998	4	(	(	PUNCT
cblr-9983	1998	5	proposed	propose	VERB
cblr-9983	1998	6	nov	nov	PROPN
cblr-9983	1998	7	.	.	PROPN
cblr-9983	1998	8	24	24	NUM
cblr-9983	1998	9	,	,	PUNCT
cblr-9983	1998	10	2020	2020	NUM
cblr-9983	1998	11	)	)	PUNCT
cblr-9983	1998	12	(	(	PUNCT
cblr-9983	1998	13	to	to	PART
cblr-9983	1998	14	be	be	AUX
cblr-9983	1998	15	codified	codify	VERB
cblr-9983	1998	16	at	at	ADP
cblr-9983	1998	17	12	12	NUM
cblr-9983	1998	18	c.f.r	c.f.r	NOUN
cblr-9983	1998	19	.	.	PUNCT
cblr-9983	1999	1	pt	pt	PROPN
cblr-9983	1999	2	.	.	PROPN
cblr-9983	1999	3	55	55	NUM
cblr-9983	1999	4	)	)	PUNCT
cblr-9983	1999	5	.	.	PUNCT
cblr-9983	2000	1	following	follow	VERB
cblr-9983	2000	2	the	the	DET
cblr-9983	2000	3	resignation	resignation	NOUN
cblr-9983	2000	4	of	of	ADP
cblr-9983	2000	5	the	the	DET
cblr-9983	2000	6	acting	act	VERB
cblr-9983	2000	7	comptroller	comptroller	NOUN
cblr-9983	2000	8	in	in	ADP
cblr-9983	2000	9	january	january	PROPN
cblr-9983	2000	10	2021	2021	NUM
cblr-9983	2000	11	,	,	PUNCT
cblr-9983	2000	12	the	the	DET
cblr-9983	2000	13	agency	agency	NOUN
cblr-9983	2000	14	paused	pause	VERB
cblr-9983	2000	15	publication	publication	NOUN
cblr-9983	2000	16	of	of	ADP
cblr-9983	2000	17	the	the	DET
cblr-9983	2000	18	rule	rule	NOUN
cblr-9983	2000	19	in	in	ADP
cblr-9983	2000	20	the	the	DET
cblr-9983	2000	21	federal	federal	ADJ
cblr-9983	2000	22	register	register	NOUN
cblr-9983	2000	23	to	to	PART
cblr-9983	2000	24	“	"	PUNCT
cblr-9983	2000	25	allow	allow	VERB
cblr-9983	2000	26	the	the	DET
cblr-9983	2000	27	next	next	ADJ
cblr-9983	2000	28	confirmed	confirm	VERB
cblr-9983	2000	29	comptroller	comptroller	NOUN
cblr-9983	2000	30	of	of	ADP
cblr-9983	2000	31	the	the	DET
cblr-9983	2000	32	currency	currency	NOUN
cblr-9983	2000	33	to	to	PART
cblr-9983	2000	34	review	review	VERB
cblr-9983	2000	35	the	the	DET
cblr-9983	2000	36	final	final	ADJ
cblr-9983	2000	37	rule	rule	NOUN
cblr-9983	2000	38	and	and	CCONJ
cblr-9983	2000	39	the	the	DET
cblr-9983	2000	40	public	public	ADJ
cblr-9983	2000	41	comments	comment	NOUN
cblr-9983	2000	42	the	the	DET
cblr-9983	2000	43	occ	occ	NOUN
cblr-9983	2000	44	received	receive	VERB
cblr-9983	2000	45	,	,	PUNCT
cblr-9983	2000	46	as	as	ADP
cblr-9983	2000	47	part	part	NOUN
cblr-9983	2000	48	of	of	ADP
cblr-9983	2000	49	an	an	DET
cblr-9983	2000	50	orderly	orderly	ADJ
cblr-9983	2000	51	transition	transition	NOUN
cblr-9983	2000	52	.	.	PUNCT
cblr-9983	2000	53	”	"	PUNCT
cblr-9983	2001	1	news	news	NOUN
cblr-9983	2001	2	release	release	NOUN
cblr-9983	2001	3	,	,	PUNCT
cblr-9983	2001	4	off	off	ADV
cblr-9983	2001	5	.	.	PUNCT
cblr-9983	2002	1	of	of	ADP
cblr-9983	2002	2	the	the	DET
cblr-9983	2002	3	comptroller	comptroller	NOUN
cblr-9983	2002	4	of	of	ADP
cblr-9983	2002	5	the	the	DET
cblr-9983	2002	6	currency	currency	NOUN
cblr-9983	2002	7	,	,	PUNCT
cblr-9983	2002	8	occ	occ	NOUN
cblr-9983	2002	9	puts	put	VERB
cblr-9983	2002	10	hold	hold	NOUN
cblr-9983	2002	11	on	on	ADP
cblr-9983	2002	12	fair	fair	ADJ
cblr-9983	2002	13	access	access	NOUN
cblr-9983	2002	14	rule	rule	NOUN
cblr-9983	2002	15	(	(	PUNCT
cblr-9983	2002	16	jan	jan	PROPN
cblr-9983	2002	17	.	.	PROPN
cblr-9983	2002	18	28	28	NUM
cblr-9983	2002	19	,	,	PUNCT
cblr-9983	2002	20	2021	2021	NUM
cblr-9983	2002	21	)	)	PUNCT
cblr-9983	2002	22	,	,	PUNCT
cblr-9983	2002	23	https://www2.occ.gov/news-issuances/news-releases/2021/nr-occ2021-14.html	https://www2.occ.gov/news-issuances/news-releases/2021/nr-occ2021-14.html	VERB
cblr-9983	2002	24	[	[	X
cblr-9983	2002	25	https://perma.cc/5xbw-r9j9	https://perma.cc/5xbw-r9j9	X
cblr-9983	2002	26	]	]	PUNCT
cblr-9983	2002	27	.	.	PUNCT
cblr-9983	2003	1	no	no	INTJ
cblr-9983	2003	2	.	.	PUNCT
cblr-9983	2004	1	1:279	1:279	NOUN
cblr-9983	2004	2	]	]	X
cblr-9983	2004	3	bank	bank	NOUN
cblr-9983	2004	4	supervision	supervision	NOUN
cblr-9983	2004	5	and	and	CCONJ
cblr-9983	2004	6	administrative	administrative	ADJ
cblr-9983	2004	7	law	law	NOUN
cblr-9983	2004	8	395	395	NUM
cblr-9983	2004	9	4	4	NUM
cblr-9983	2004	10	.	.	PUNCT
cblr-9983	2005	1	some	some	DET
cblr-9983	2005	2	qualifications	qualification	NOUN
cblr-9983	2005	3	.	.	PUNCT
cblr-9983	2006	1	the	the	DET
cblr-9983	2006	2	approach	approach	NOUN
cblr-9983	2006	3	just	just	ADV
cblr-9983	2006	4	suggested	suggest	VERB
cblr-9983	2006	5	would	would	AUX
cblr-9983	2006	6	require	require	VERB
cblr-9983	2006	7	a	a	DET
cblr-9983	2006	8	significant	significant	ADJ
cblr-9983	2006	9	change	change	NOUN
cblr-9983	2006	10	in	in	ADP
cblr-9983	2006	11	contemporary	contemporary	ADJ
cblr-9983	2006	12	administrative	administrative	ADJ
cblr-9983	2006	13	law	law	NOUN
cblr-9983	2006	14	,	,	PUNCT
cblr-9983	2006	15	one	one	NUM
cblr-9983	2006	16	that	that	PRON
cblr-9983	2006	17	would	would	AUX
cblr-9983	2006	18	likely	likely	ADV
cblr-9983	2006	19	be	be	AUX
cblr-9983	2006	20	more	more	ADV
cblr-9983	2006	21	consequential	consequential	ADJ
cblr-9983	2006	22	than	than	ADP
cblr-9983	2006	23	adjusting	adjust	VERB
cblr-9983	2006	24	review	review	NOUN
cblr-9983	2006	25	of	of	ADP
cblr-9983	2006	26	administrative	administrative	ADJ
cblr-9983	2006	27	actions	action	NOUN
cblr-9983	2006	28	to	to	PART
cblr-9983	2006	29	take	take	VERB
cblr-9983	2006	30	due	due	ADJ
cblr-9983	2006	31	account	account	NOUN
cblr-9983	2006	32	of	of	ADP
cblr-9983	2006	33	relevant	relevant	ADJ
cblr-9983	2006	34	substantive	substantive	ADJ
cblr-9983	2006	35	statutory	statutory	ADJ
cblr-9983	2006	36	provisions	provision	NOUN
cblr-9983	2006	37	.	.	PUNCT
cblr-9983	2007	1	there	there	PRON
cblr-9983	2007	2	are	be	VERB
cblr-9983	2007	3	certainly	certainly	ADV
cblr-9983	2007	4	arguments	argument	NOUN
cblr-9983	2007	5	that	that	PRON
cblr-9983	2007	6	could	could	AUX
cblr-9983	2007	7	be	be	AUX
cblr-9983	2007	8	offered	offer	VERB
cblr-9983	2007	9	against	against	ADP
cblr-9983	2007	10	this	this	DET
cblr-9983	2007	11	change	change	NOUN
cblr-9983	2007	12	.	.	PUNCT
cblr-9983	2008	1	some	some	DET
cblr-9983	2008	2	rest	rest	NOUN
cblr-9983	2008	3	on	on	ADP
cblr-9983	2008	4	a	a	DET
cblr-9983	2008	5	preference	preference	NOUN
cblr-9983	2008	6	for	for	ADP
cblr-9983	2008	7	trans	trans	ADJ
cblr-9983	2008	8	-	-	ADJ
cblr-9983	2008	9	substantive	substantive	ADJ
cblr-9983	2008	10	administrative	administrative	ADJ
cblr-9983	2008	11	law	law	NOUN
cblr-9983	2008	12	.	.	PUNCT
cblr-9983	2009	1	others	other	NOUN
cblr-9983	2009	2	could	could	AUX
cblr-9983	2009	3	be	be	AUX
cblr-9983	2009	4	directed	direct	VERB
cblr-9983	2009	5	at	at	ADP
cblr-9983	2009	6	the	the	DET
cblr-9983	2009	7	specifics	specific	NOUN
cblr-9983	2009	8	of	of	ADP
cblr-9983	2009	9	the	the	DET
cblr-9983	2009	10	alternative	alternative	ADJ
cblr-9983	2009	11	approach	approach	NOUN
cblr-9983	2009	12	.	.	PUNCT
cblr-9983	2010	1	as	as	SCONJ
cblr-9983	2010	2	noted	note	VERB
cblr-9983	2010	3	earlier	early	ADV
cblr-9983	2010	4	,	,	PUNCT
cblr-9983	2010	5	some	some	DET
cblr-9983	2010	6	banking	banking	NOUN
cblr-9983	2010	7	interests	interest	NOUN
cblr-9983	2010	8	advocate	advocate	VERB
cblr-9983	2010	9	strong	strong	ADJ
cblr-9983	2010	10	versions	version	NOUN
cblr-9983	2010	11	of	of	ADP
cblr-9983	2010	12	current	current	ADJ
cblr-9983	2010	13	administrative	administrative	ADJ
cblr-9983	2010	14	law	law	NOUN
cblr-9983	2010	15	doctrines	doctrine	NOUN
cblr-9983	2010	16	so	so	SCONJ
cblr-9983	2010	17	as	as	SCONJ
cblr-9983	2010	18	to	to	PART
cblr-9983	2010	19	severely	severely	ADV
cblr-9983	2010	20	constrain	constrain	VERB
cblr-9983	2010	21	the	the	DET
cblr-9983	2010	22	supervisory	supervisory	ADJ
cblr-9983	2010	23	function	function	NOUN
cblr-9983	2010	24	.	.	PUNCT
cblr-9983	2011	1	much	much	ADJ
cblr-9983	2011	2	of	of	ADP
cblr-9983	2011	3	my	my	PRON
cblr-9983	2011	4	earlier	early	ADJ
cblr-9983	2011	5	analysis	analysis	NOUN
cblr-9983	2011	6	has	have	AUX
cblr-9983	2011	7	been	be	AUX
cblr-9983	2011	8	directed	direct	VERB
cblr-9983	2011	9	to	to	ADP
cblr-9983	2011	10	rebutting	rebut	VERB
cblr-9983	2011	11	these	these	DET
cblr-9983	2011	12	arguments	argument	NOUN
cblr-9983	2011	13	,	,	PUNCT
cblr-9983	2011	14	both	both	PRON
cblr-9983	2011	15	doctrinally	doctrinally	ADV
cblr-9983	2011	16	and	and	CCONJ
cblr-9983	2011	17	normatively	normatively	ADV
cblr-9983	2011	18	.	.	PUNCT
cblr-9983	2012	1	however	however	ADV
cblr-9983	2012	2	,	,	PUNCT
cblr-9983	2012	3	there	there	PRON
cblr-9983	2012	4	are	be	VERB
cblr-9983	2012	5	also	also	ADV
cblr-9983	2012	6	trans	trans	ADJ
cblr-9983	2012	7	-	-	NOUN
cblr-9983	2012	8	substantivity	substantivity	NOUN
cblr-9983	2012	9	arguments	argument	NOUN
cblr-9983	2012	10	that	that	PRON
cblr-9983	2012	11	do	do	AUX
cblr-9983	2012	12	not	not	PART
cblr-9983	2012	13	begin	begin	VERB
cblr-9983	2012	14	from	from	ADP
cblr-9983	2012	15	self	self	NOUN
cblr-9983	2012	16	-	-	PUNCT
cblr-9983	2012	17	interested	interest	VERB
cblr-9983	2012	18	anti	anti	ADJ
cblr-9983	2012	19	-	-	ADJ
cblr-9983	2012	20	regulatory	regulatory	ADJ
cblr-9983	2012	21	premises	premise	NOUN
cblr-9983	2012	22	.	.	PUNCT
cblr-9983	2013	1	indeed	indeed	ADV
cblr-9983	2013	2	,	,	PUNCT
cblr-9983	2013	3	as	as	SCONJ
cblr-9983	2013	4	reflected	reflect	VERB
cblr-9983	2013	5	in	in	ADP
cblr-9983	2013	6	the	the	DET
cblr-9983	2013	7	earlier	early	ADV
cblr-9983	2013	8	-	-	PUNCT
cblr-9983	2013	9	noted	note	VERB
cblr-9983	2013	10	views	view	NOUN
cblr-9983	2013	11	on	on	ADP
cblr-9983	2013	12	guidance	guidance	NOUN
cblr-9983	2013	13	of	of	ADP
cblr-9983	2013	14	some	some	DET
cblr-9983	2013	15	academics	academic	NOUN
cblr-9983	2013	16	,	,	PUNCT
cblr-9983	2013	17	one	one	NUM
cblr-9983	2013	18	version	version	NOUN
cblr-9983	2013	19	of	of	ADP
cblr-9983	2013	20	trans	tran	NOUN
cblr-9983	2013	21	-	-	NOUN
cblr-9983	2013	22	substantivity	substantivity	NOUN
cblr-9983	2013	23	could	could	AUX
cblr-9983	2013	24	cut	cut	VERB
cblr-9983	2013	25	back	back	ADP
cblr-9983	2013	26	dramatically	dramatically	ADV
cblr-9983	2013	27	on	on	ADP
cblr-9983	2013	28	judicial	judicial	ADJ
cblr-9983	2013	29	review	review	NOUN
cblr-9983	2013	30	of	of	ADP
cblr-9983	2013	31	supervisory	supervisory	ADJ
cblr-9983	2013	32	action	action	NOUN
cblr-9983	2013	33	.	.	PUNCT
cblr-9983	2014	1	a	a	DET
cblr-9983	2014	2	proponent	proponent	NOUN
cblr-9983	2014	3	of	of	ADP
cblr-9983	2014	4	continued	continue	VERB
cblr-9983	2014	5	adherence	adherence	NOUN
cblr-9983	2014	6	to	to	ADP
cblr-9983	2014	7	trans	tran	NOUN
cblr-9983	2014	8	-	-	NOUN
cblr-9983	2014	9	substantivity	substantivity	NOUN
cblr-9983	2014	10	might	might	AUX
cblr-9983	2014	11	argue	argue	VERB
cblr-9983	2014	12	that	that	SCONJ
cblr-9983	2014	13	it	it	PRON
cblr-9983	2014	14	is	be	AUX
cblr-9983	2014	15	a	a	DET
cblr-9983	2014	16	more	more	ADV
cblr-9983	2014	17	economical	economical	ADJ
cblr-9983	2014	18	approach	approach	NOUN
cblr-9983	2014	19	to	to	ADP
cblr-9983	2014	20	administrative	administrative	ADJ
cblr-9983	2014	21	law	law	NOUN
cblr-9983	2014	22	.	.	PUNCT
cblr-9983	2015	1	while	while	SCONJ
cblr-9983	2015	2	agencies	agency	NOUN
cblr-9983	2015	3	and	and	CCONJ
cblr-9983	2015	4	courts	court	NOUN
cblr-9983	2015	5	may	may	AUX
cblr-9983	2015	6	reasonably	reasonably	ADV
cblr-9983	2015	7	contemplate	contemplate	VERB
cblr-9983	2015	8	some	some	DET
cblr-9983	2015	9	variation	variation	NOUN
cblr-9983	2015	10	in	in	ADP
cblr-9983	2015	11	the	the	DET
cblr-9983	2015	12	details	detail	NOUN
cblr-9983	2015	13	of	of	ADP
cblr-9983	2015	14	procedural	procedural	ADJ
cblr-9983	2015	15	requirements	requirement	NOUN
cblr-9983	2015	16	,	,	PUNCT
cblr-9983	2015	17	the	the	DET
cblr-9983	2015	18	preservation	preservation	NOUN
cblr-9983	2015	19	of	of	ADP
cblr-9983	2015	20	common	common	ADJ
cblr-9983	2015	21	doctrinal	doctrinal	ADJ
cblr-9983	2015	22	starting	starting	NOUN
cblr-9983	2015	23	points	point	NOUN
cblr-9983	2015	24	will	will	AUX
cblr-9983	2015	25	relieve	relieve	VERB
cblr-9983	2015	26	courts	court	NOUN
cblr-9983	2015	27	of	of	ADP
cblr-9983	2015	28	having	have	VERB
cblr-9983	2015	29	to	to	PART
cblr-9983	2015	30	master	master	VERB
cblr-9983	2015	31	the	the	DET
cblr-9983	2015	32	organization	organization	NOUN
cblr-9983	2015	33	and	and	CCONJ
cblr-9983	2015	34	procedures	procedure	NOUN
cblr-9983	2015	35	of	of	ADP
cblr-9983	2015	36	dozens	dozen	NOUN
cblr-9983	2015	37	of	of	ADP
cblr-9983	2015	38	agencies	agency	NOUN
cblr-9983	2015	39	in	in	ADP
cblr-9983	2015	40	order	order	NOUN
cblr-9983	2015	41	to	to	PART
cblr-9983	2015	42	determine	determine	VERB
cblr-9983	2015	43	the	the	DET
cblr-9983	2015	44	appropriate	appropriate	ADJ
cblr-9983	2015	45	scope	scope	NOUN
cblr-9983	2015	46	for	for	ADP
cblr-9983	2015	47	more	more	ADJ
cblr-9983	2015	48	agencyspecific	agencyspecific	NOUN
cblr-9983	2015	49	processes	process	NOUN
cblr-9983	2015	50	.	.	PUNCT
cblr-9983	2016	1	further	far	ADV
cblr-9983	2016	2	,	,	PUNCT
cblr-9983	2016	3	it	it	PRON
cblr-9983	2016	4	arguably	arguably	ADV
cblr-9983	2016	5	gives	give	VERB
cblr-9983	2016	6	more	more	ADJ
cblr-9983	2016	7	direction	direction	NOUN
cblr-9983	2016	8	to	to	ADP
cblr-9983	2016	9	agencies	agency	NOUN
cblr-9983	2016	10	themselves	themselves	PRON
cblr-9983	2016	11	,	,	PUNCT
cblr-9983	2016	12	since	since	SCONJ
cblr-9983	2016	13	they	they	PRON
cblr-9983	2016	14	can	can	AUX
cblr-9983	2016	15	draw	draw	VERB
cblr-9983	2016	16	on	on	ADP
cblr-9983	2016	17	precedents	precedent	NOUN
cblr-9983	2016	18	decided	decide	VERB
cblr-9983	2016	19	in	in	ADP
cblr-9983	2016	20	other	other	ADJ
cblr-9983	2016	21	regulatory	regulatory	ADJ
cblr-9983	2016	22	contexts	context	NOUN
cblr-9983	2016	23	while	while	SCONJ
cblr-9983	2016	24	conducting	conduct	VERB
cblr-9983	2016	25	their	their	PRON
cblr-9983	2016	26	business	business	NOUN
cblr-9983	2016	27	.	.	PUNCT
cblr-9983	2017	1	banking	banking	NOUN
cblr-9983	2017	2	agencies	agency	NOUN
cblr-9983	2017	3	developing	develop	VERB
cblr-9983	2017	4	their	their	PRON
cblr-9983	2017	5	own	own	ADJ
cblr-9983	2017	6	procedures	procedure	NOUN
cblr-9983	2017	7	would	would	AUX
cblr-9983	2017	8	need	need	VERB
cblr-9983	2017	9	to	to	PART
cblr-9983	2017	10	await	await	VERB
cblr-9983	2017	11	judicial	judicial	ADJ
cblr-9983	2017	12	review	review	NOUN
cblr-9983	2017	13	of	of	ADP
cblr-9983	2017	14	their	their	PRON
cblr-9983	2017	15	own	own	ADJ
cblr-9983	2017	16	actions	action	NOUN
cblr-9983	2017	17	before	before	ADP
cblr-9983	2017	18	knowing	know	VERB
cblr-9983	2017	19	if	if	SCONJ
cblr-9983	2017	20	they	they	PRON
cblr-9983	2017	21	are	be	AUX
cblr-9983	2017	22	valid	valid	ADJ
cblr-9983	2017	23	.	.	PUNCT
cblr-9983	2018	1	this	this	DET
cblr-9983	2018	2	kind	kind	NOUN
cblr-9983	2018	3	of	of	ADP
cblr-9983	2018	4	trans	trans	ADJ
cblr-9983	2018	5	-	-	ADJ
cblr-9983	2018	6	substantive	substantive	ADJ
cblr-9983	2018	7	position	position	NOUN
cblr-9983	2018	8	is	be	AUX
cblr-9983	2018	9	not	not	PART
cblr-9983	2018	10	without	without	ADP
cblr-9983	2018	11	force	force	NOUN
cblr-9983	2018	12	,	,	PUNCT
cblr-9983	2018	13	especially	especially	ADV
cblr-9983	2018	14	if	if	SCONJ
cblr-9983	2018	15	the	the	DET
cblr-9983	2018	16	alternative	alternative	NOUN
cblr-9983	2018	17	would	would	AUX
cblr-9983	2018	18	actually	actually	ADV
cblr-9983	2018	19	be	be	AUX
cblr-9983	2018	20	the	the	DET
cblr-9983	2018	21	development	development	NOUN
cblr-9983	2018	22	of	of	ADP
cblr-9983	2018	23	a	a	DET
cblr-9983	2018	24	separate	separate	ADJ
cblr-9983	2018	25	administrative	administrative	ADJ
cblr-9983	2018	26	law	law	NOUN
cblr-9983	2018	27	for	for	ADP
cblr-9983	2018	28	each	each	DET
cblr-9983	2018	29	agency	agency	NOUN
cblr-9983	2018	30	.	.	PUNCT
cblr-9983	2019	1	however	however	ADV
cblr-9983	2019	2	,	,	PUNCT
cblr-9983	2019	3	as	as	SCONJ
cblr-9983	2019	4	i	i	PRON
cblr-9983	2019	5	have	have	AUX
cblr-9983	2019	6	already	already	ADV
cblr-9983	2019	7	argued	argue	VERB
cblr-9983	2019	8	,	,	PUNCT
cblr-9983	2019	9	the	the	DET
cblr-9983	2019	10	unusual	unusual	ADJ
cblr-9983	2019	11	characteristics	characteristic	NOUN
cblr-9983	2019	12	of	of	ADP
cblr-9983	2019	13	banking	banking	NOUN
cblr-9983	2019	14	supervision	supervision	NOUN
cblr-9983	2019	15	—	—	PUNCT
cblr-9983	2019	16	from	from	ADP
cblr-9983	2019	17	its	its	PRON
cblr-9983	2019	18	historical	historical	ADJ
cblr-9983	2019	19	396	396	NUM
cblr-9983	2019	20	columbia	columbia	PROPN
cblr-9983	2019	21	business	business	NOUN
cblr-9983	2019	22	law	law	PROPN
cblr-9983	2019	23	review	review	NOUN
cblr-9983	2020	1	[	[	X
cblr-9983	2020	2	vol	vol	NOUN
cblr-9983	2020	3	.	.	PUNCT
cblr-9983	2021	1	2022	2022	NUM
cblr-9983	2021	2	roots	root	NOUN
cblr-9983	2021	3	to	to	ADP
cblr-9983	2021	4	its	its	PRON
cblr-9983	2021	5	association	association	NOUN
cblr-9983	2021	6	with	with	ADP
cblr-9983	2021	7	the	the	DET
cblr-9983	2021	8	regulation	regulation	NOUN
cblr-9983	2021	9	of	of	ADP
cblr-9983	2021	10	the	the	DET
cblr-9983	2021	11	sovereign	sovereign	ADJ
cblr-9983	2021	12	function	function	NOUN
cblr-9983	2021	13	of	of	ADP
cblr-9983	2021	14	money	money	NOUN
cblr-9983	2021	15	creation	creation	NOUN
cblr-9983	2021	16	to	to	ADP
cblr-9983	2021	17	its	its	PRON
cblr-9983	2021	18	strong	strong	ADJ
cblr-9983	2021	19	statutory	statutory	ADJ
cblr-9983	2021	20	foundations	foundation	NOUN
cblr-9983	2021	21	—	—	PUNCT
cblr-9983	2021	22	make	make	VERB
cblr-9983	2021	23	a	a	DET
cblr-9983	2021	24	strong	strong	ADJ
cblr-9983	2021	25	case	case	NOUN
cblr-9983	2021	26	for	for	ADP
cblr-9983	2021	27	an	an	DET
cblr-9983	2021	28	adjustment	adjustment	NOUN
cblr-9983	2021	29	of	of	ADP
cblr-9983	2021	30	transsubstantive	transsubstantive	ADJ
cblr-9983	2021	31	doctrine	doctrine	NOUN
cblr-9983	2021	32	.	.	PUNCT
cblr-9983	2022	1	as	as	ADP
cblr-9983	2022	2	a	a	DET
cblr-9983	2022	3	former	former	ADJ
cblr-9983	2022	4	regulator	regulator	NOUN
cblr-9983	2022	5	,	,	PUNCT
cblr-9983	2022	6	i	i	PRON
cblr-9983	2022	7	am	be	AUX
cblr-9983	2022	8	especially	especially	ADV
cblr-9983	2022	9	sensitive	sensitive	ADJ
cblr-9983	2022	10	to	to	ADP
cblr-9983	2022	11	doctrines	doctrine	NOUN
cblr-9983	2022	12	that	that	PRON
cblr-9983	2022	13	would	would	AUX
cblr-9983	2022	14	unduly	unduly	ADV
cblr-9983	2022	15	hamper	hamper	VERB
cblr-9983	2022	16	the	the	DET
cblr-9983	2022	17	supervisory	supervisory	ADJ
cblr-9983	2022	18	function	function	NOUN
cblr-9983	2022	19	.	.	PUNCT
cblr-9983	2023	1	but	but	CCONJ
cblr-9983	2023	2	,	,	PUNCT
cblr-9983	2023	3	as	as	SCONJ
cblr-9983	2023	4	indicated	indicate	VERB
cblr-9983	2023	5	in	in	ADP
cblr-9983	2023	6	my	my	PRON
cblr-9983	2023	7	discussion	discussion	NOUN
cblr-9983	2023	8	of	of	ADP
cblr-9983	2023	9	ratings	rating	NOUN
cblr-9983	2023	10	,	,	PUNCT
cblr-9983	2023	11	the	the	DET
cblr-9983	2023	12	implications	implication	NOUN
cblr-9983	2023	13	of	of	ADP
cblr-9983	2023	14	the	the	DET
cblr-9983	2023	15	unique	unique	ADJ
cblr-9983	2023	16	character	character	NOUN
cblr-9983	2023	17	of	of	ADP
cblr-9983	2023	18	bank	bank	NOUN
cblr-9983	2023	19	supervision	supervision	NOUN
cblr-9983	2023	20	should	should	AUX
cblr-9983	2023	21	be	be	AUX
cblr-9983	2023	22	taken	take	VERB
cblr-9983	2023	23	into	into	ADP
cblr-9983	2023	24	account	account	NOUN
cblr-9983	2023	25	in	in	ADP
cblr-9983	2023	26	both	both	DET
cblr-9983	2023	27	directions	direction	NOUN
cblr-9983	2023	28	.	.	PUNCT
cblr-9983	2024	1	to	to	PART
cblr-9983	2024	2	emphasize	emphasize	VERB
cblr-9983	2024	3	once	once	ADV
cblr-9983	2024	4	again	again	ADV
cblr-9983	2024	5	the	the	DET
cblr-9983	2024	6	core	core	NOUN
cblr-9983	2024	7	of	of	ADP
cblr-9983	2024	8	my	my	PRON
cblr-9983	2024	9	argument	argument	NOUN
cblr-9983	2024	10	—	—	PUNCT
cblr-9983	2024	11	even	even	ADV
cblr-9983	2024	12	though	though	SCONJ
cblr-9983	2024	13	supervisory	supervisory	ADJ
cblr-9983	2024	14	actions	action	NOUN
cblr-9983	2024	15	are	be	AUX
cblr-9983	2024	16	not	not	PART
cblr-9983	2024	17	legally	legally	ADV
cblr-9983	2024	18	binding	binding	ADJ
cblr-9983	2024	19	,	,	PUNCT
cblr-9983	2024	20	they	they	PRON
cblr-9983	2024	21	are	be	AUX
cblr-9983	2024	22	supposed	suppose	VERB
cblr-9983	2024	23	to	to	PART
cblr-9983	2024	24	influence	influence	VERB
cblr-9983	2024	25	bank	bank	PROPN
cblr-9983	2024	26	conduct	conduct	NOUN
cblr-9983	2024	27	,	,	PUNCT
cblr-9983	2024	28	and	and	CCONJ
cblr-9983	2024	29	generally	generally	ADV
cblr-9983	2024	30	do	do	VERB
cblr-9983	2024	31	.	.	PUNCT
cblr-9983	2025	1	the	the	DET
cblr-9983	2025	2	norms	norm	NOUN
cblr-9983	2025	3	of	of	ADP
cblr-9983	2025	4	consistency	consistency	NOUN
cblr-9983	2025	5	,	,	PUNCT
cblr-9983	2025	6	fairness	fairness	NOUN
cblr-9983	2025	7	,	,	PUNCT
cblr-9983	2025	8	and	and	CCONJ
cblr-9983	2025	9	accountability	accountability	NOUN
cblr-9983	2025	10	that	that	PRON
cblr-9983	2025	11	inform	inform	VERB
cblr-9983	2025	12	the	the	DET
cblr-9983	2025	13	apa	apa	PROPN
cblr-9983	2025	14	and	and	CCONJ
cblr-9983	2025	15	judicially	judicially	ADV
cblr-9983	2025	16	created	create	VERB
cblr-9983	2025	17	administrative	administrative	ADJ
cblr-9983	2025	18	law	law	NOUN
cblr-9983	2025	19	are	be	AUX
cblr-9983	2025	20	equally	equally	ADV
cblr-9983	2025	21	relevant	relevant	ADJ
cblr-9983	2025	22	to	to	ADP
cblr-9983	2025	23	bank	bank	NOUN
cblr-9983	2025	24	supervision	supervision	NOUN
cblr-9983	2025	25	as	as	ADP
cblr-9983	2025	26	to	to	ADP
cblr-9983	2025	27	other	other	ADJ
cblr-9983	2025	28	areas	area	NOUN
cblr-9983	2025	29	,	,	PUNCT
cblr-9983	2025	30	but	but	CCONJ
cblr-9983	2025	31	they	they	PRON
cblr-9983	2025	32	need	need	VERB
cblr-9983	2025	33	to	to	PART
cblr-9983	2025	34	be	be	AUX
cblr-9983	2025	35	realized	realize	VERB
cblr-9983	2025	36	in	in	ADP
cblr-9983	2025	37	a	a	DET
cblr-9983	2025	38	way	way	NOUN
cblr-9983	2025	39	that	that	PRON
cblr-9983	2025	40	takes	take	VERB
cblr-9983	2025	41	account	account	NOUN
cblr-9983	2025	42	of	of	ADP
cblr-9983	2025	43	that	that	DET
cblr-9983	2025	44	unique	unique	ADJ
cblr-9983	2025	45	character.312	character.312	PROPN
cblr-9983	2025	46	there	there	PRON
cblr-9983	2025	47	are	be	VERB
cblr-9983	2025	48	two	two	NUM
cblr-9983	2025	49	significant	significant	ADJ
cblr-9983	2025	50	arguments	argument	NOUN
cblr-9983	2025	51	that	that	PRON
cblr-9983	2025	52	might	might	AUX
cblr-9983	2025	53	be	be	AUX
cblr-9983	2025	54	directed	direct	VERB
cblr-9983	2025	55	at	at	ADP
cblr-9983	2025	56	the	the	DET
cblr-9983	2025	57	specifics	specific	NOUN
cblr-9983	2025	58	of	of	ADP
cblr-9983	2025	59	the	the	DET
cblr-9983	2025	60	approach	approach	NOUN
cblr-9983	2025	61	proposed	propose	VERB
cblr-9983	2025	62	here	here	ADV
cblr-9983	2025	63	:	:	PUNCT
cblr-9983	2025	64	transition	transition	NOUN
cblr-9983	2025	65	problems	problem	NOUN
cblr-9983	2025	66	and	and	CCONJ
cblr-9983	2025	67	the	the	DET
cblr-9983	2025	68	potential	potential	ADJ
cblr-9983	2025	69	unwieldiness	unwieldiness	NOUN
cblr-9983	2025	70	of	of	ADP
cblr-9983	2025	71	judicial	judicial	ADJ
cblr-9983	2025	72	review	review	NOUN
cblr-9983	2025	73	of	of	ADP
cblr-9983	2025	74	an	an	DET
cblr-9983	2025	75	agency	agency	NOUN
cblr-9983	2025	76	’s	’s	PART
cblr-9983	2025	77	internal	internal	ADJ
cblr-9983	2025	78	administrative	administrative	ADJ
cblr-9983	2025	79	governance	governance	NOUN
cblr-9983	2025	80	.	.	PUNCT
cblr-9983	2026	1	first	first	ADV
cblr-9983	2026	2	,	,	PUNCT
cblr-9983	2026	3	it	it	PRON
cblr-9983	2026	4	may	may	AUX
cblr-9983	2026	5	not	not	PART
cblr-9983	2026	6	be	be	AUX
cblr-9983	2026	7	easy	easy	ADJ
cblr-9983	2026	8	to	to	PART
cblr-9983	2026	9	exit	exit	VERB
cblr-9983	2026	10	the	the	DET
cblr-9983	2026	11	highway	highway	NOUN
cblr-9983	2026	12	of	of	ADP
cblr-9983	2026	13	evolving	evolve	VERB
cblr-9983	2026	14	administrative	administrative	ADJ
cblr-9983	2026	15	law	law	NOUN
cblr-9983	2026	16	onto	onto	ADP
cblr-9983	2026	17	the	the	DET
cblr-9983	2026	18	less	less	ADV
cblr-9983	2026	19	travelled	travel	VERB
cblr-9983	2026	20	alternate	alternate	ADJ
cblr-9983	2026	21	route	route	NOUN
cblr-9983	2026	22	i	i	PRON
cblr-9983	2026	23	discuss	discuss	VERB
cblr-9983	2026	24	here	here	ADV
cblr-9983	2026	25	,	,	PUNCT
cblr-9983	2026	26	even	even	ADV
cblr-9983	2026	27	if	if	SCONJ
cblr-9983	2026	28	courts	court	NOUN
cblr-9983	2026	29	were	be	AUX
cblr-9983	2026	30	potentially	potentially	ADV
cblr-9983	2026	31	receptive	receptive	ADJ
cblr-9983	2026	32	to	to	ADP
cblr-9983	2026	33	the	the	DET
cblr-9983	2026	34	idea	idea	NOUN
cblr-9983	2026	35	.	.	PUNCT
cblr-9983	2027	1	no	no	DET
cblr-9983	2027	2	court	court	NOUN
cblr-9983	2027	3	is	be	AUX
cblr-9983	2027	4	going	go	VERB
cblr-9983	2027	5	to	to	PART
cblr-9983	2027	6	offer	offer	VERB
cblr-9983	2027	7	sua	sua	PROPN
cblr-9983	2027	8	sponte	sponte	VERB
cblr-9983	2027	9	a	a	DET
cblr-9983	2027	10	kind	kind	NOUN
cblr-9983	2027	11	of	of	ADP
cblr-9983	2027	12	advisory	advisory	ADJ
cblr-9983	2027	13	opinion	opinion	NOUN
cblr-9983	2027	14	that	that	SCONJ
cblr-9983	2027	15	it	it	PRON
cblr-9983	2027	16	would	would	AUX
cblr-9983	2027	17	adapt	adapt	VERB
cblr-9983	2027	18	its	its	PRON
cblr-9983	2027	19	approach	approach	NOUN
cblr-9983	2027	20	to	to	ADP
cblr-9983	2027	21	apa	apa	PROPN
cblr-9983	2027	22	review	review	PROPN
cblr-9983	2027	23	of	of	ADP
cblr-9983	2027	24	supervisory	supervisory	ADJ
cblr-9983	2027	25	actions	action	NOUN
cblr-9983	2027	26	were	be	AUX
cblr-9983	2027	27	the	the	DET
cblr-9983	2027	28	banking	banking	NOUN
cblr-9983	2027	29	agencies	agency	NOUN
cblr-9983	2027	30	to	to	PART
cblr-9983	2027	31	reorganize	reorganize	VERB
cblr-9983	2027	32	themselves	themselves	PRON
cblr-9983	2027	33	along	along	ADP
cblr-9983	2027	34	the	the	DET
cblr-9983	2027	35	lines	line	NOUN
cblr-9983	2027	36	i	i	PRON
cblr-9983	2027	37	have	have	AUX
cblr-9983	2027	38	described	describe	VERB
cblr-9983	2027	39	.	.	PUNCT
cblr-9983	2028	1	from	from	ADP
cblr-9983	2028	2	the	the	DET
cblr-9983	2028	3	agencies	agency	NOUN
cblr-9983	2028	4	’	’	PART
cblr-9983	2028	5	perspective	perspective	NOUN
cblr-9983	2028	6	,	,	PUNCT
cblr-9983	2028	7	even	even	ADV
cblr-9983	2028	8	with	with	ADP
cblr-9983	2028	9	leadership	leadership	NOUN
cblr-9983	2028	10	more	more	ADV
cblr-9983	2028	11	sympathetic	sympathetic	ADJ
cblr-9983	2028	12	to	to	ADP
cblr-9983	2028	13	supervision	supervision	NOUN
cblr-9983	2028	14	,	,	PUNCT
cblr-9983	2028	15	there	there	PRON
cblr-9983	2028	16	may	may	AUX
cblr-9983	2028	17	be	be	AUX
cblr-9983	2028	18	little	little	ADJ
cblr-9983	2028	19	legal	legal	ADJ
cblr-9983	2028	20	impetus	impetus	NOUN
cblr-9983	2028	21	to	to	PART
cblr-9983	2028	22	change	change	VERB
cblr-9983	2028	23	practices	practice	NOUN
cblr-9983	2028	24	.	.	PUNCT
cblr-9983	2029	1	should	should	AUX
cblr-9983	2029	2	significant	significant	VERB
cblr-9983	2029	3	legal	legal	ADJ
cblr-9983	2029	4	challenges	challenge	NOUN
cblr-9983	2029	5	of	of	ADP
cblr-9983	2029	6	the	the	DET
cblr-9983	2029	7	sort	sort	NOUN
cblr-9983	2029	8	envisioned	envision	VERB
cblr-9983	2029	9	by	by	ADP
cblr-9983	2029	10	some	some	DET
cblr-9983	2029	11	banking	banking	NOUN
cblr-9983	2029	12	interests	interest	NOUN
cblr-9983	2029	13	be	be	AUX
cblr-9983	2029	14	filed	file	VERB
cblr-9983	2029	15	and	and	CCONJ
cblr-9983	2029	16	meet	meet	VERB
cblr-9983	2029	17	with	with	ADP
cblr-9983	2029	18	some	some	DET
cblr-9983	2029	19	success	success	NOUN
cblr-9983	2029	20	,	,	PUNCT
cblr-9983	2029	21	the	the	DET
cblr-9983	2029	22	agencies	agency	NOUN
cblr-9983	2029	23	would	would	AUX
cblr-9983	2029	24	probably	probably	ADV
cblr-9983	2029	25	scramble	scramble	VERB
cblr-9983	2029	26	to	to	PART
cblr-9983	2029	27	change	change	VERB
cblr-9983	2029	28	312	312	NUM
cblr-9983	2029	29	although	although	SCONJ
cblr-9983	2029	30	this	this	DET
cblr-9983	2029	31	article	article	NOUN
cblr-9983	2029	32	does	do	AUX
cblr-9983	2029	33	not	not	PART
cblr-9983	2029	34	address	address	VERB
cblr-9983	2029	35	the	the	DET
cblr-9983	2029	36	problems	problem	NOUN
cblr-9983	2029	37	of	of	ADP
cblr-9983	2029	38	supervisory	supervisory	ADJ
cblr-9983	2029	39	under	under	ADP
cblr-9983	2029	40	enforcement	enforcement	NOUN
cblr-9983	2029	41	,	,	PUNCT
cblr-9983	2029	42	it	it	PRON
cblr-9983	2029	43	is	be	AUX
cblr-9983	2029	44	worth	worth	ADJ
cblr-9983	2029	45	noting	note	VERB
cblr-9983	2029	46	that	that	SCONJ
cblr-9983	2029	47	a	a	DET
cblr-9983	2029	48	framework	framework	NOUN
cblr-9983	2029	49	such	such	ADJ
cblr-9983	2029	50	as	as	ADP
cblr-9983	2029	51	that	that	PRON
cblr-9983	2029	52	proposed	propose	VERB
cblr-9983	2029	53	here	here	ADV
cblr-9983	2029	54	would	would	AUX
cblr-9983	2029	55	at	at	ADV
cblr-9983	2029	56	least	least	ADJ
cblr-9983	2029	57	incrementally	incrementally	ADV
cblr-9983	2029	58	enhance	enhance	VERB
cblr-9983	2029	59	the	the	DET
cblr-9983	2029	60	ability	ability	NOUN
cblr-9983	2029	61	of	of	ADP
cblr-9983	2029	62	agency	agency	NOUN
cblr-9983	2029	63	principals	principal	NOUN
cblr-9983	2029	64	,	,	PUNCT
cblr-9983	2029	65	congressional	congressional	ADJ
cblr-9983	2029	66	oversight	oversight	NOUN
cblr-9983	2029	67	committees	committee	NOUN
cblr-9983	2029	68	,	,	PUNCT
cblr-9983	2029	69	and	and	CCONJ
cblr-9983	2029	70	the	the	DET
cblr-9983	2029	71	public	public	NOUN
cblr-9983	2029	72	to	to	PART
cblr-9983	2029	73	monitor	monitor	VERB
cblr-9983	2029	74	,	,	PUNCT
cblr-9983	2029	75	and	and	CCONJ
cblr-9983	2029	76	perhaps	perhaps	ADV
cblr-9983	2029	77	correct	correct	ADJ
cblr-9983	2029	78	,	,	PUNCT
cblr-9983	2029	79	supervisory	supervisory	ADJ
cblr-9983	2029	80	laxity	laxity	NOUN
cblr-9983	2029	81	of	of	ADP
cblr-9983	2029	82	the	the	DET
cblr-9983	2029	83	sort	sort	NOUN
cblr-9983	2029	84	that	that	PRON
cblr-9983	2029	85	contributed	contribute	VERB
cblr-9983	2029	86	to	to	ADP
cblr-9983	2029	87	the	the	DET
cblr-9983	2029	88	global	global	ADJ
cblr-9983	2029	89	financial	financial	ADJ
cblr-9983	2029	90	crisis	crisis	NOUN
cblr-9983	2029	91	.	.	PUNCT
cblr-9983	2030	1	no	no	INTJ
cblr-9983	2030	2	.	.	PUNCT
cblr-9983	2031	1	1:279	1:279	NOUN
cblr-9983	2031	2	]	]	X
cblr-9983	2031	3	bank	bank	NOUN
cblr-9983	2031	4	supervision	supervision	NOUN
cblr-9983	2031	5	and	and	CCONJ
cblr-9983	2031	6	administrative	administrative	ADJ
cblr-9983	2031	7	law	law	NOUN
cblr-9983	2031	8	397	397	NUM
cblr-9983	2031	9	their	their	PRON
cblr-9983	2031	10	practices	practice	NOUN
cblr-9983	2031	11	so	so	SCONJ
cblr-9983	2031	12	as	as	SCONJ
cblr-9983	2031	13	not	not	PART
cblr-9983	2031	14	to	to	PART
cblr-9983	2031	15	run	run	VERB
cblr-9983	2031	16	afoul	afoul	ADV
cblr-9983	2031	17	of	of	ADP
cblr-9983	2031	18	current	current	ADJ
cblr-9983	2031	19	,	,	PUNCT
cblr-9983	2031	20	generally	generally	ADV
cblr-9983	2031	21	applicable	applicable	ADJ
cblr-9983	2031	22	administrative	administrative	ADJ
cblr-9983	2031	23	law	law	NOUN
cblr-9983	2031	24	doctrines	doctrine	NOUN
cblr-9983	2031	25	.	.	PUNCT
cblr-9983	2032	1	we	we	PRON
cblr-9983	2032	2	can	can	AUX
cblr-9983	2032	3	conjure	conjure	VERB
cblr-9983	2032	4	up	up	ADP
cblr-9983	2032	5	scenarios	scenario	NOUN
cblr-9983	2032	6	that	that	PRON
cblr-9983	2032	7	might	might	AUX
cblr-9983	2032	8	be	be	AUX
cblr-9983	2032	9	more	more	ADV
cblr-9983	2032	10	favorable	favorable	ADJ
cblr-9983	2032	11	.	.	PUNCT
cblr-9983	2033	1	one	one	NUM
cblr-9983	2033	2	is	be	AUX
cblr-9983	2033	3	that	that	SCONJ
cblr-9983	2033	4	a	a	DET
cblr-9983	2033	5	banking	banking	NOUN
cblr-9983	2033	6	agency	agency	NOUN
cblr-9983	2033	7	leadership	leadership	NOUN
cblr-9983	2033	8	committed	commit	VERB
cblr-9983	2033	9	to	to	ADP
cblr-9983	2033	10	the	the	DET
cblr-9983	2033	11	supervisory	supervisory	ADJ
cblr-9983	2033	12	function	function	NOUN
cblr-9983	2033	13	would	would	AUX
cblr-9983	2033	14	make	make	VERB
cblr-9983	2033	15	changes	change	NOUN
cblr-9983	2033	16	in	in	ADP
cblr-9983	2033	17	this	this	DET
cblr-9983	2033	18	direction	direction	NOUN
cblr-9983	2033	19	on	on	ADP
cblr-9983	2033	20	its	its	PRON
cblr-9983	2033	21	own	own	ADJ
cblr-9983	2033	22	,	,	PUNCT
cblr-9983	2033	23	with	with	ADP
cblr-9983	2033	24	the	the	DET
cblr-9983	2033	25	aims	aim	NOUN
cblr-9983	2033	26	of	of	ADP
cblr-9983	2033	27	achieving	achieve	VERB
cblr-9983	2033	28	more	more	ADJ
cblr-9983	2033	29	efficiency	efficiency	NOUN
cblr-9983	2033	30	,	,	PUNCT
cblr-9983	2033	31	consistency	consistency	NOUN
cblr-9983	2033	32	,	,	PUNCT
cblr-9983	2033	33	and	and	CCONJ
cblr-9983	2033	34	fairness	fairness	NOUN
cblr-9983	2033	35	.	.	PUNCT
cblr-9983	2034	1	another	another	PRON
cblr-9983	2034	2	,	,	PUNCT
cblr-9983	2034	3	perhaps	perhaps	ADV
cblr-9983	2034	4	less	less	ADV
cblr-9983	2034	5	likely	likely	ADJ
cblr-9983	2034	6	,	,	PUNCT
cblr-9983	2034	7	is	be	AUX
cblr-9983	2034	8	that	that	SCONJ
cblr-9983	2034	9	a	a	DET
cblr-9983	2034	10	series	series	NOUN
cblr-9983	2034	11	of	of	ADP
cblr-9983	2034	12	bank	bank	NOUN
cblr-9983	2034	13	-	-	PUNCT
cblr-9983	2034	14	friendly	friendly	ADJ
cblr-9983	2034	15	decisions	decision	NOUN
cblr-9983	2034	16	in	in	ADP
cblr-9983	2034	17	administrative	administrative	ADJ
cblr-9983	2034	18	law	law	NOUN
cblr-9983	2034	19	cases	case	NOUN
cblr-9983	2034	20	that	that	PRON
cblr-9983	2034	21	undermined	undermine	VERB
cblr-9983	2034	22	the	the	DET
cblr-9983	2034	23	core	core	NOUN
cblr-9983	2034	24	of	of	ADP
cblr-9983	2034	25	supervision	supervision	NOUN
cblr-9983	2034	26	would	would	AUX
cblr-9983	2034	27	be	be	AUX
cblr-9983	2034	28	met	meet	VERB
cblr-9983	2034	29	with	with	ADP
cblr-9983	2034	30	blunter	blunt	ADJ
cblr-9983	2034	31	regulations	regulation	NOUN
cblr-9983	2034	32	forthcoming	forthcoming	ADJ
cblr-9983	2034	33	from	from	ADP
cblr-9983	2034	34	agencies	agency	NOUN
cblr-9983	2034	35	headed	head	VERB
cblr-9983	2034	36	by	by	ADP
cblr-9983	2034	37	officials	official	NOUN
cblr-9983	2034	38	committed	commit	VERB
cblr-9983	2034	39	to	to	ADP
cblr-9983	2034	40	rigorous	rigorous	ADJ
cblr-9983	2034	41	regulation	regulation	NOUN
cblr-9983	2034	42	.	.	PUNCT
cblr-9983	2035	1	in	in	ADP
cblr-9983	2035	2	that	that	DET
cblr-9983	2035	3	event	event	NOUN
cblr-9983	2035	4	,	,	PUNCT
cblr-9983	2035	5	both	both	DET
cblr-9983	2035	6	banks	bank	NOUN
cblr-9983	2035	7	and	and	CCONJ
cblr-9983	2035	8	regulators	regulator	NOUN
cblr-9983	2035	9	might	might	AUX
cblr-9983	2035	10	have	have	VERB
cblr-9983	2035	11	an	an	DET
cblr-9983	2035	12	interest	interest	NOUN
cblr-9983	2035	13	in	in	ADP
cblr-9983	2035	14	courts	court	NOUN
cblr-9983	2035	15	taking	take	VERB
cblr-9983	2035	16	a	a	DET
cblr-9983	2035	17	different	different	ADJ
cblr-9983	2035	18	approach	approach	NOUN
cblr-9983	2035	19	to	to	ADP
cblr-9983	2035	20	supervision	supervision	NOUN
cblr-9983	2035	21	.	.	PUNCT
cblr-9983	2036	1	a	a	DET
cblr-9983	2036	2	third	third	NOUN
cblr-9983	2036	3	would	would	AUX
cblr-9983	2036	4	be	be	AUX
cblr-9983	2036	5	action	action	NOUN
cblr-9983	2036	6	by	by	ADP
cblr-9983	2036	7	congress	congress	PROPN
cblr-9983	2036	8	to	to	PART
cblr-9983	2036	9	validate	validate	VERB
cblr-9983	2036	10	such	such	DET
cblr-9983	2036	11	an	an	DET
cblr-9983	2036	12	approach	approach	NOUN
cblr-9983	2036	13	,	,	PUNCT
cblr-9983	2036	14	though	though	SCONJ
cblr-9983	2036	15	prospects	prospect	NOUN
cblr-9983	2036	16	for	for	ADP
cblr-9983	2036	17	any	any	DET
cblr-9983	2036	18	banking	banking	NOUN
cblr-9983	2036	19	legislation	legislation	NOUN
cblr-9983	2036	20	that	that	PRON
cblr-9983	2036	21	does	do	AUX
cblr-9983	2036	22	not	not	PART
cblr-9983	2036	23	become	become	VERB
cblr-9983	2036	24	highly	highly	ADV
cblr-9983	2036	25	divisive	divisive	ADJ
cblr-9983	2036	26	are	be	AUX
cblr-9983	2036	27	at	at	ADP
cblr-9983	2036	28	present	present	ADJ
cblr-9983	2036	29	not	not	PART
cblr-9983	2036	30	good	good	ADJ
cblr-9983	2036	31	.	.	PUNCT
cblr-9983	2037	1	second	second	ADV
cblr-9983	2037	2	,	,	PUNCT
cblr-9983	2037	3	assuming	assume	VERB
cblr-9983	2037	4	a	a	DET
cblr-9983	2037	5	viable	viable	ADJ
cblr-9983	2037	6	means	mean	NOUN
cblr-9983	2037	7	of	of	ADP
cblr-9983	2037	8	transitioning	transition	VERB
cblr-9983	2037	9	to	to	ADP
cblr-9983	2037	10	a	a	DET
cblr-9983	2037	11	form	form	NOUN
cblr-9983	2037	12	of	of	ADP
cblr-9983	2037	13	judicial	judicial	ADJ
cblr-9983	2037	14	review	review	NOUN
cblr-9983	2037	15	that	that	PRON
cblr-9983	2037	16	evaluates	evaluate	VERB
cblr-9983	2037	17	an	an	DET
cblr-9983	2037	18	agency	agency	NOUN
cblr-9983	2037	19	’s	’s	PART
cblr-9983	2037	20	overall	overall	ADJ
cblr-9983	2037	21	governance	governance	NOUN
cblr-9983	2037	22	of	of	ADP
cblr-9983	2037	23	the	the	DET
cblr-9983	2037	24	supervisory	supervisory	ADJ
cblr-9983	2037	25	function	function	NOUN
cblr-9983	2037	26	when	when	SCONJ
cblr-9983	2037	27	a	a	DET
cblr-9983	2037	28	supervisory	supervisory	ADJ
cblr-9983	2037	29	action	action	NOUN
cblr-9983	2037	30	is	be	AUX
cblr-9983	2037	31	challenged	challenge	VERB
cblr-9983	2037	32	,	,	PUNCT
cblr-9983	2037	33	some	some	DET
cblr-9983	2037	34	potentially	potentially	ADV
cblr-9983	2037	35	non	non	ADJ
cblr-9983	2037	36	-	-	ADJ
cblr-9983	2037	37	trivial	trivial	ADJ
cblr-9983	2037	38	issues	issue	NOUN
cblr-9983	2037	39	could	could	AUX
cblr-9983	2037	40	arise	arise	VERB
cblr-9983	2037	41	.	.	PUNCT
cblr-9983	2038	1	an	an	DET
cblr-9983	2038	2	obvious	obvious	ADJ
cblr-9983	2038	3	one	one	NOUN
cblr-9983	2038	4	is	be	AUX
cblr-9983	2038	5	that	that	SCONJ
cblr-9983	2038	6	an	an	DET
cblr-9983	2038	7	evaluation	evaluation	NOUN
cblr-9983	2038	8	of	of	ADP
cblr-9983	2038	9	the	the	DET
cblr-9983	2038	10	procedures	procedure	NOUN
cblr-9983	2038	11	and	and	CCONJ
cblr-9983	2038	12	safeguards	safeguard	NOUN
cblr-9983	2038	13	around	around	ADP
cblr-9983	2038	14	the	the	DET
cblr-9983	2038	15	entire	entire	ADJ
cblr-9983	2038	16	supervisory	supervisory	ADJ
cblr-9983	2038	17	function	function	NOUN
cblr-9983	2038	18	could	could	AUX
cblr-9983	2038	19	be	be	AUX
cblr-9983	2038	20	a	a	DET
cblr-9983	2038	21	burdensome	burdensome	ADJ
cblr-9983	2038	22	undertaking	undertaking	NOUN
cblr-9983	2038	23	.	.	PUNCT
cblr-9983	2039	1	it	it	PRON
cblr-9983	2039	2	might	might	AUX
cblr-9983	2039	3	not	not	PART
cblr-9983	2039	4	be	be	AUX
cblr-9983	2039	5	necessary	necessary	ADJ
cblr-9983	2039	6	to	to	PART
cblr-9983	2039	7	look	look	VERB
cblr-9983	2039	8	at	at	ADP
cblr-9983	2039	9	all	all	DET
cblr-9983	2039	10	aspects	aspect	NOUN
cblr-9983	2039	11	of	of	ADP
cblr-9983	2039	12	that	that	DET
cblr-9983	2039	13	function	function	NOUN
cblr-9983	2039	14	in	in	ADP
cblr-9983	2039	15	order	order	NOUN
cblr-9983	2039	16	to	to	PART
cblr-9983	2039	17	conclude	conclude	VERB
cblr-9983	2039	18	,	,	PUNCT
cblr-9983	2039	19	for	for	ADP
cblr-9983	2039	20	example	example	NOUN
cblr-9983	2039	21	,	,	PUNCT
cblr-9983	2039	22	that	that	SCONJ
cblr-9983	2039	23	a	a	DET
cblr-9983	2039	24	guidance	guidance	NOUN
cblr-9983	2039	25	document	document	NOUN
cblr-9983	2039	26	and	and	CCONJ
cblr-9983	2039	27	subsequent	subsequent	ADJ
cblr-9983	2039	28	supervisory	supervisory	ADJ
cblr-9983	2039	29	communications	communication	NOUN
cblr-9983	2039	30	that	that	PRON
cblr-9983	2039	31	contributed	contribute	VERB
cblr-9983	2039	32	to	to	ADP
cblr-9983	2039	33	a	a	DET
cblr-9983	2039	34	ratings	rating	NOUN
cblr-9983	2039	35	downgrade	downgrade	NOUN
cblr-9983	2039	36	had	have	AUX
cblr-9983	2039	37	been	be	AUX
cblr-9983	2039	38	developed	develop	VERB
cblr-9983	2039	39	consistently	consistently	ADV
cblr-9983	2039	40	with	with	ADP
cblr-9983	2039	41	the	the	DET
cblr-9983	2039	42	kinds	kind	NOUN
cblr-9983	2039	43	of	of	ADP
cblr-9983	2039	44	norms	norm	NOUN
cblr-9983	2039	45	explained	explain	VERB
cblr-9983	2039	46	earlier	early	ADV
cblr-9983	2039	47	.	.	PUNCT
cblr-9983	2040	1	still	still	ADV
cblr-9983	2040	2	,	,	PUNCT
cblr-9983	2040	3	in	in	ADP
cblr-9983	2040	4	at	at	ADP
cblr-9983	2040	5	least	least	ADJ
cblr-9983	2040	6	some	some	PRON
cblr-9983	2040	7	cases	case	NOUN
cblr-9983	2040	8	the	the	DET
cblr-9983	2040	9	inquiry	inquiry	NOUN
cblr-9983	2040	10	might	might	AUX
cblr-9983	2040	11	prove	prove	VERB
cblr-9983	2040	12	quite	quite	ADV
cblr-9983	2040	13	open	open	ADV
cblr-9983	2040	14	-	-	PUNCT
cblr-9983	2040	15	ended	ended	ADJ
cblr-9983	2040	16	.	.	PUNCT
cblr-9983	2041	1	if	if	SCONJ
cblr-9983	2041	2	so	so	ADV
cblr-9983	2041	3	,	,	PUNCT
cblr-9983	2041	4	at	at	ADP
cblr-9983	2041	5	least	least	ADJ
cblr-9983	2041	6	in	in	ADP
cblr-9983	2041	7	the	the	DET
cblr-9983	2041	8	early	early	ADJ
cblr-9983	2041	9	going	going	NOUN
cblr-9983	2041	10	,	,	PUNCT
cblr-9983	2041	11	the	the	DET
cblr-9983	2041	12	investment	investment	NOUN
cblr-9983	2041	13	of	of	ADP
cblr-9983	2041	14	judicial	judicial	ADJ
cblr-9983	2041	15	resources	resource	NOUN
cblr-9983	2041	16	could	could	AUX
cblr-9983	2041	17	be	be	AUX
cblr-9983	2041	18	considerable	considerable	ADJ
cblr-9983	2041	19	.	.	PUNCT
cblr-9983	2042	1	another	another	DET
cblr-9983	2042	2	potential	potential	ADJ
cblr-9983	2042	3	problem	problem	NOUN
cblr-9983	2042	4	is	be	AUX
cblr-9983	2042	5	that	that	SCONJ
cblr-9983	2042	6	different	different	ADJ
cblr-9983	2042	7	courts	court	NOUN
cblr-9983	2042	8	could	could	AUX
cblr-9983	2042	9	reach	reach	VERB
cblr-9983	2042	10	different	different	ADJ
cblr-9983	2042	11	conclusions	conclusion	NOUN
cblr-9983	2042	12	on	on	ADP
cblr-9983	2042	13	the	the	DET
cblr-9983	2042	14	key	key	ADJ
cblr-9983	2042	15	question	question	NOUN
cblr-9983	2042	16	of	of	ADP
cblr-9983	2042	17	whether	whether	SCONJ
cblr-9983	2042	18	the	the	DET
cblr-9983	2042	19	governance	governance	NOUN
cblr-9983	2042	20	process	process	NOUN
cblr-9983	2042	21	that	that	PRON
cblr-9983	2042	22	produced	produce	VERB
cblr-9983	2042	23	the	the	DET
cblr-9983	2042	24	supervisory	supervisory	ADJ
cblr-9983	2042	25	action	action	NOUN
cblr-9983	2042	26	at	at	ADP
cblr-9983	2042	27	issue	issue	NOUN
cblr-9983	2042	28	in	in	ADP
cblr-9983	2042	29	the	the	DET
cblr-9983	2042	30	case	case	NOUN
cblr-9983	2042	31	was	be	AUX
cblr-9983	2042	32	in	in	ADP
cblr-9983	2042	33	fact	fact	NOUN
cblr-9983	2042	34	consistent	consistent	ADJ
cblr-9983	2042	35	with	with	ADP
cblr-9983	2042	36	applicable	applicable	ADJ
cblr-9983	2042	37	norms	norm	NOUN
cblr-9983	2042	38	.	.	PUNCT
cblr-9983	2043	1	in	in	ADP
cblr-9983	2043	2	that	that	DET
cblr-9983	2043	3	event	event	NOUN
cblr-9983	2043	4	,	,	PUNCT
cblr-9983	2043	5	the	the	DET
cblr-9983	2043	6	banking	banking	NOUN
cblr-9983	2043	7	agencies	agency	NOUN
cblr-9983	2043	8	might	might	AUX
cblr-9983	2043	9	be	be	AUX
cblr-9983	2043	10	presented	present	VERB
cblr-9983	2043	11	with	with	ADP
cblr-9983	2043	12	unhelpfully	unhelpfully	ADV
cblr-9983	2043	13	mixed	mixed	ADJ
cblr-9983	2043	14	messages	message	NOUN
cblr-9983	2043	15	as	as	ADP
cblr-9983	2043	16	to	to	ADP
cblr-9983	2043	17	what	what	PRON
cblr-9983	2043	18	refinements	refinement	NOUN
cblr-9983	2043	19	,	,	PUNCT
cblr-9983	2043	20	if	if	SCONJ
cblr-9983	2043	21	any	any	PRON
cblr-9983	2043	22	,	,	PUNCT
cblr-9983	2043	23	were	be	AUX
cblr-9983	2043	24	needed	need	VERB
cblr-9983	2043	25	in	in	ADP
cblr-9983	2043	26	its	its	PRON
cblr-9983	2043	27	procedures	procedure	NOUN
cblr-9983	2043	28	.	.	PUNCT
cblr-9983	2044	1	of	of	ADP
cblr-9983	2044	2	course	course	NOUN
cblr-9983	2044	3	,	,	PUNCT
cblr-9983	2044	4	even	even	ADV
cblr-9983	2044	5	if	if	SCONJ
cblr-9983	2044	6	courts	court	NOUN
cblr-9983	2044	7	did	do	AUX
cblr-9983	2044	8	have	have	VERB
cblr-9983	2044	9	different	different	ADJ
cblr-9983	2044	10	views	view	NOUN
cblr-9983	2044	11	of	of	ADP
cblr-9983	2044	12	the	the	DET
cblr-9983	2044	13	agency	agency	NOUN
cblr-9983	2044	14	’s	’s	PART
cblr-9983	2044	15	supervisory	supervisory	ADJ
cblr-9983	2044	16	governance	governance	NOUN
cblr-9983	2044	17	,	,	PUNCT
cblr-9983	2044	18	398	398	NUM
cblr-9983	2044	19	columbia	columbia	PROPN
cblr-9983	2044	20	business	business	NOUN
cblr-9983	2044	21	law	law	PROPN
cblr-9983	2044	22	review	review	NOUN
cblr-9983	2044	23	[	[	X
cblr-9983	2044	24	vol	vol	NOUN
cblr-9983	2044	25	.	.	PUNCT
cblr-9983	2045	1	2022	2022	NUM
cblr-9983	2045	2	the	the	DET
cblr-9983	2045	3	immediate	immediate	ADJ
cblr-9983	2045	4	practical	practical	ADJ
cblr-9983	2045	5	effect	effect	NOUN
cblr-9983	2045	6	would	would	AUX
cblr-9983	2045	7	be	be	AUX
cblr-9983	2045	8	limited	limit	VERB
cblr-9983	2045	9	to	to	ADP
cblr-9983	2045	10	whether	whether	SCONJ
cblr-9983	2045	11	a	a	DET
cblr-9983	2045	12	court	court	NOUN
cblr-9983	2045	13	would	would	AUX
cblr-9983	2045	14	conduct	conduct	VERB
cblr-9983	2045	15	a	a	DET
cblr-9983	2045	16	more	more	ADV
cblr-9983	2045	17	(	(	PUNCT
cblr-9983	2045	18	or	or	CCONJ
cblr-9983	2045	19	less	less	ADJ
cblr-9983	2045	20	)	)	PUNCT
cblr-9983	2045	21	stringent	stringent	ADJ
cblr-9983	2045	22	review	review	NOUN
cblr-9983	2045	23	of	of	ADP
cblr-9983	2045	24	the	the	DET
cblr-9983	2045	25	supervisory	supervisory	ADJ
cblr-9983	2045	26	actions	action	NOUN
cblr-9983	2045	27	as	as	ADP
cblr-9983	2045	28	part	part	NOUN
cblr-9983	2045	29	of	of	ADP
cblr-9983	2045	30	an	an	DET
cblr-9983	2045	31	arbitrary	arbitrary	ADJ
cblr-9983	2045	32	and	and	CCONJ
cblr-9983	2045	33	capricious	capricious	ADJ
cblr-9983	2045	34	review	review	NOUN
cblr-9983	2045	35	.	.	PUNCT
cblr-9983	2046	1	and	and	CCONJ
cblr-9983	2046	2	differences	difference	NOUN
cblr-9983	2046	3	of	of	ADP
cblr-9983	2046	4	views	view	NOUN
cblr-9983	2046	5	among	among	ADP
cblr-9983	2046	6	the	the	DET
cblr-9983	2046	7	circuits	circuit	NOUN
cblr-9983	2046	8	may	may	AUX
cblr-9983	2046	9	not	not	PART
cblr-9983	2046	10	be	be	AUX
cblr-9983	2046	11	materially	materially	ADV
cblr-9983	2046	12	more	more	ADV
cblr-9983	2046	13	troublesome	troublesome	ADJ
cblr-9983	2046	14	for	for	ADP
cblr-9983	2046	15	agencies	agency	NOUN
cblr-9983	2046	16	(	(	PUNCT
cblr-9983	2046	17	and	and	CCONJ
cblr-9983	2046	18	regulated	regulated	ADJ
cblr-9983	2046	19	entities	entity	NOUN
cblr-9983	2046	20	)	)	PUNCT
cblr-9983	2046	21	than	than	SCONJ
cblr-9983	2046	22	they	they	PRON
cblr-9983	2046	23	are	be	AUX
cblr-9983	2046	24	today	today	NOUN
cblr-9983	2046	25	with	with	ADP
cblr-9983	2046	26	respect	respect	NOUN
cblr-9983	2046	27	to	to	ADP
cblr-9983	2046	28	other	other	ADJ
cblr-9983	2046	29	doctrinal	doctrinal	ADJ
cblr-9983	2046	30	questions	question	NOUN
cblr-9983	2046	31	.	.	PUNCT
cblr-9983	2047	1	still	still	ADV
cblr-9983	2047	2	,	,	PUNCT
cblr-9983	2047	3	it	it	PRON
cblr-9983	2047	4	is	be	AUX
cblr-9983	2047	5	likely	likely	ADJ
cblr-9983	2047	6	that	that	SCONJ
cblr-9983	2047	7	the	the	DET
cblr-9983	2047	8	very	very	ADJ
cblr-9983	2047	9	novelty	novelty	NOUN
cblr-9983	2047	10	of	of	ADP
cblr-9983	2047	11	this	this	DET
cblr-9983	2047	12	approach	approach	NOUN
cblr-9983	2047	13	would	would	AUX
cblr-9983	2047	14	create	create	VERB
cblr-9983	2047	15	some	some	DET
cblr-9983	2047	16	problems	problem	NOUN
cblr-9983	2047	17	,	,	PUNCT
cblr-9983	2047	18	unanticipated	unanticipate	VERB
cblr-9983	2047	19	as	as	ADV
cblr-9983	2047	20	well	well	ADV
cblr-9983	2047	21	as	as	ADP
cblr-9983	2047	22	anticipated	anticipate	VERB
cblr-9983	2047	23	.	.	PUNCT
cblr-9983	2048	1	it	it	PRON
cblr-9983	2048	2	remains	remain	VERB
cblr-9983	2048	3	to	to	PART
cblr-9983	2048	4	be	be	AUX
cblr-9983	2048	5	seen	see	VERB
cblr-9983	2048	6	how	how	SCONJ
cblr-9983	2048	7	realistic	realistic	ADJ
cblr-9983	2048	8	this	this	PRON
cblr-9983	2048	9	or	or	CCONJ
cblr-9983	2048	10	other	other	ADJ
cblr-9983	2048	11	routes	route	NOUN
cblr-9983	2048	12	may	may	AUX
cblr-9983	2048	13	be	be	AUX
cblr-9983	2048	14	for	for	ADP
cblr-9983	2048	15	reaching	reach	VERB
cblr-9983	2048	16	a	a	DET
cblr-9983	2048	17	different	different	ADJ
cblr-9983	2048	18	administrative	administrative	ADJ
cblr-9983	2048	19	law	law	NOUN
cblr-9983	2048	20	framework	framework	NOUN
cblr-9983	2048	21	for	for	ADP
cblr-9983	2048	22	bank	bank	NOUN
cblr-9983	2048	23	supervision	supervision	NOUN
cblr-9983	2048	24	.	.	PUNCT
cblr-9983	2049	1	governance	governance	NOUN
cblr-9983	2049	2	mechanisms	mechanism	NOUN
cblr-9983	2049	3	of	of	ADP
cblr-9983	2049	4	the	the	DET
cblr-9983	2049	5	sort	sort	NOUN
cblr-9983	2049	6	discussed	discuss	VERB
cblr-9983	2049	7	here	here	ADV
cblr-9983	2049	8	would	would	AUX
cblr-9983	2049	9	be	be	AUX
cblr-9983	2049	10	better	well	ADJ
cblr-9983	2049	11	policy	policy	NOUN
cblr-9983	2049	12	than	than	ADP
cblr-9983	2049	13	what	what	PRON
cblr-9983	2049	14	we	we	PRON
cblr-9983	2049	15	have	have	AUX
cblr-9983	2049	16	now	now	ADV
cblr-9983	2049	17	.	.	PUNCT
cblr-9983	2050	1	for	for	ADP
cblr-9983	2050	2	that	that	DET
cblr-9983	2050	3	reason	reason	NOUN
cblr-9983	2050	4	alone	alone	ADV
cblr-9983	2050	5	,	,	PUNCT
cblr-9983	2050	6	they	they	PRON
cblr-9983	2050	7	are	be	AUX
cblr-9983	2050	8	worth	worth	ADJ
cblr-9983	2050	9	discussing	discuss	VERB
cblr-9983	2050	10	and	and	CCONJ
cblr-9983	2050	11	implementing	implement	VERB
cblr-9983	2050	12	.	.	PUNCT
cblr-9983	2051	1	if	if	SCONJ
cblr-9983	2051	2	they	they	PRON
cblr-9983	2051	3	were	be	AUX
cblr-9983	2051	4	to	to	PART
cblr-9983	2051	5	be	be	AUX
cblr-9983	2051	6	implemented	implement	VERB
cblr-9983	2051	7	just	just	ADV
cblr-9983	2051	8	because	because	SCONJ
cblr-9983	2051	9	they	they	PRON
cblr-9983	2051	10	are	be	AUX
cblr-9983	2051	11	better	well	ADJ
cblr-9983	2051	12	policy	policy	NOUN
cblr-9983	2051	13	,	,	PUNCT
cblr-9983	2051	14	there	there	PRON
cblr-9983	2051	15	would	would	AUX
cblr-9983	2051	16	be	be	AUX
cblr-9983	2051	17	at	at	ADP
cblr-9983	2051	18	least	least	ADJ
cblr-9983	2051	19	some	some	DET
cblr-9983	2051	20	opening	opening	NOUN
cblr-9983	2051	21	for	for	SCONJ
cblr-9983	2051	22	courts	court	NOUN
cblr-9983	2051	23	to	to	PART
cblr-9983	2051	24	assess	assess	VERB
cblr-9983	2051	25	differently	differently	ADV
cblr-9983	2051	26	the	the	DET
cblr-9983	2051	27	supervisory	supervisory	ADJ
cblr-9983	2051	28	actions	action	NOUN
cblr-9983	2051	29	emanating	emanate	VERB
cblr-9983	2051	30	from	from	ADP
cblr-9983	2051	31	them	they	PRON
cblr-9983	2051	32	.	.	PUNCT
cblr-9983	2052	1	were	be	AUX
cblr-9983	2052	2	the	the	DET
cblr-9983	2052	3	courts	court	NOUN
cblr-9983	2052	4	to	to	PART
cblr-9983	2052	5	do	do	VERB
cblr-9983	2052	6	so	so	ADV
cblr-9983	2052	7	,	,	PUNCT
cblr-9983	2052	8	the	the	DET
cblr-9983	2052	9	agencies	agency	NOUN
cblr-9983	2052	10	would	would	AUX
cblr-9983	2052	11	have	have	VERB
cblr-9983	2052	12	external	external	ADJ
cblr-9983	2052	13	reinforcement	reinforcement	NOUN
cblr-9983	2052	14	for	for	ADP
cblr-9983	2052	15	fostering	foster	VERB
cblr-9983	2052	16	the	the	DET
cblr-9983	2052	17	integrity	integrity	NOUN
cblr-9983	2052	18	of	of	ADP
cblr-9983	2052	19	those	those	DET
cblr-9983	2052	20	processes	process	NOUN
cblr-9983	2052	21	.	.	PUNCT
cblr-9983	2053	1	at	at	ADP
cblr-9983	2053	2	the	the	DET
cblr-9983	2053	3	least	least	ADJ
cblr-9983	2053	4	,	,	PUNCT
cblr-9983	2053	5	this	this	DET
cblr-9983	2053	6	outline	outline	NOUN
cblr-9983	2053	7	of	of	ADP
cblr-9983	2053	8	an	an	DET
cblr-9983	2053	9	alternative	alternative	NOUN
cblr-9983	2053	10	that	that	PRON
cblr-9983	2053	11	could	could	AUX
cblr-9983	2053	12	better	well	ADV
cblr-9983	2053	13	and	and	CCONJ
cblr-9983	2053	14	more	more	ADV
cblr-9983	2053	15	efficiently	efficiently	ADV
cblr-9983	2053	16	achieve	achieve	VERB
cblr-9983	2053	17	the	the	DET
cblr-9983	2053	18	goals	goal	NOUN
cblr-9983	2053	19	of	of	ADP
cblr-9983	2053	20	the	the	DET
cblr-9983	2053	21	apa	apa	PROPN
cblr-9983	2053	22	provides	provide	VERB
cblr-9983	2053	23	a	a	DET
cblr-9983	2053	24	starting	starting	NOUN
cblr-9983	2053	25	point	point	NOUN
cblr-9983	2053	26	for	for	ADP
cblr-9983	2053	27	considering	consider	VERB
cblr-9983	2053	28	how	how	SCONJ
cblr-9983	2053	29	to	to	PART
cblr-9983	2053	30	achieve	achieve	VERB
cblr-9983	2053	31	greater	great	ADJ
cblr-9983	2053	32	congruence	congruence	NOUN
cblr-9983	2053	33	of	of	ADP
cblr-9983	2053	34	administrative	administrative	ADJ
cblr-9983	2053	35	law	law	NOUN
cblr-9983	2053	36	doctrine	doctrine	NOUN
cblr-9983	2053	37	,	,	PUNCT
cblr-9983	2053	38	banking	banking	NOUN
cblr-9983	2053	39	law	law	NOUN
cblr-9983	2053	40	,	,	PUNCT
cblr-9983	2053	41	and	and	CCONJ
cblr-9983	2053	42	the	the	DET
cblr-9983	2053	43	realities	reality	NOUN
cblr-9983	2053	44	of	of	ADP
cblr-9983	2053	45	agency	agency	NOUN
cblr-9983	2053	46	supervision	supervision	NOUN
cblr-9983	2053	47	.	.	PUNCT
cblr-9983	2054	1	v.	v.	ADP
cblr-9983	2054	2	conclusion	conclusion	NOUN
cblr-9983	2054	3	the	the	DET
cblr-9983	2054	4	subject	subject	NOUN
cblr-9983	2054	5	of	of	ADP
cblr-9983	2054	6	this	this	DET
cblr-9983	2054	7	article	article	NOUN
cblr-9983	2054	8	has	have	AUX
cblr-9983	2054	9	been	be	AUX
cblr-9983	2054	10	the	the	DET
cblr-9983	2054	11	relationship	relationship	NOUN
cblr-9983	2054	12	of	of	ADP
cblr-9983	2054	13	administrative	administrative	ADJ
cblr-9983	2054	14	law	law	NOUN
cblr-9983	2054	15	to	to	ADP
cblr-9983	2054	16	banking	banking	NOUN
cblr-9983	2054	17	supervision	supervision	NOUN
cblr-9983	2054	18	,	,	PUNCT
cblr-9983	2054	19	more	more	ADV
cblr-9983	2054	20	specifically	specifically	ADV
cblr-9983	2054	21	,	,	PUNCT
cblr-9983	2054	22	the	the	DET
cblr-9983	2054	23	degree	degree	NOUN
cblr-9983	2054	24	to	to	PART
cblr-9983	2054	25	which	which	PRON
cblr-9983	2054	26	administrative	administrative	ADJ
cblr-9983	2054	27	law	law	NOUN
cblr-9983	2054	28	constrains	constrain	VERB
cblr-9983	2054	29	supervisory	supervisory	ADJ
cblr-9983	2054	30	oversight	oversight	NOUN
cblr-9983	2054	31	of	of	ADP
cblr-9983	2054	32	banking	banking	NOUN
cblr-9983	2054	33	organizations	organization	NOUN
cblr-9983	2054	34	.	.	PUNCT
cblr-9983	2055	1	maintaining	maintain	VERB
cblr-9983	2055	2	a	a	DET
cblr-9983	2055	3	focus	focus	NOUN
cblr-9983	2055	4	on	on	ADP
cblr-9983	2055	5	this	this	DET
cblr-9983	2055	6	already	already	ADV
cblr-9983	2055	7	broad	broad	ADJ
cblr-9983	2055	8	topic	topic	NOUN
cblr-9983	2055	9	has	have	AUX
cblr-9983	2055	10	meant	mean	VERB
cblr-9983	2055	11	that	that	SCONJ
cblr-9983	2055	12	important	important	ADJ
cblr-9983	2055	13	questions	question	NOUN
cblr-9983	2055	14	suggested	suggest	VERB
cblr-9983	2055	15	by	by	ADP
cblr-9983	2055	16	this	this	DET
cblr-9983	2055	17	analysis	analysis	NOUN
cblr-9983	2055	18	have	have	AUX
cblr-9983	2055	19	been	be	AUX
cblr-9983	2055	20	addressed	address	VERB
cblr-9983	2055	21	only	only	ADV
cblr-9983	2055	22	in	in	ADP
cblr-9983	2055	23	passing	pass	VERB
cblr-9983	2055	24	:	:	PUNCT
cblr-9983	2055	25	what	what	PRON
cblr-9983	2055	26	are	be	AUX
cblr-9983	2055	27	the	the	DET
cblr-9983	2055	28	best	good	ADJ
cblr-9983	2055	29	supervisory	supervisory	ADJ
cblr-9983	2055	30	policies	policy	NOUN
cblr-9983	2055	31	within	within	ADP
cblr-9983	2055	32	the	the	DET
cblr-9983	2055	33	constraints	constraint	NOUN
cblr-9983	2055	34	of	of	ADP
cblr-9983	2055	35	administrative	administrative	ADJ
cblr-9983	2055	36	law	law	NOUN
cblr-9983	2055	37	?	?	PUNCT
cblr-9983	2056	1	to	to	ADP
cblr-9983	2056	2	what	what	DET
cblr-9983	2056	3	degree	degree	NOUN
cblr-9983	2056	4	would	would	AUX
cblr-9983	2056	5	the	the	DET
cblr-9983	2056	6	reorientation	reorientation	NOUN
cblr-9983	2056	7	of	of	ADP
cblr-9983	2056	8	administrative	administrative	ADJ
cblr-9983	2056	9	law	law	NOUN
cblr-9983	2056	10	suggested	suggest	VERB
cblr-9983	2056	11	in	in	ADP
cblr-9983	2056	12	part	part	NOUN
cblr-9983	2056	13	iv	iv	NUM
cblr-9983	2056	14	address	address	NOUN
cblr-9983	2056	15	the	the	DET
cblr-9983	2056	16	problem	problem	NOUN
cblr-9983	2056	17	of	of	ADP
cblr-9983	2056	18	supervisory	supervisory	ADJ
cblr-9983	2056	19	under	under	NOUN
cblr-9983	2056	20	-	-	PUNCT
cblr-9983	2056	21	reach	reach	VERB
cblr-9983	2056	22	?	?	PUNCT
cblr-9983	2057	1	how	how	SCONJ
cblr-9983	2057	2	relevant	relevant	ADJ
cblr-9983	2057	3	is	be	AUX
cblr-9983	2057	4	the	the	DET
cblr-9983	2057	5	case	case	NOUN
cblr-9983	2057	6	of	of	ADP
cblr-9983	2057	7	banking	banking	NOUN
cblr-9983	2057	8	supervision	supervision	NOUN
cblr-9983	2057	9	for	for	ADP
cblr-9983	2057	10	the	the	DET
cblr-9983	2057	11	application	application	NOUN
cblr-9983	2057	12	of	of	ADP
cblr-9983	2057	13	administrative	administrative	ADJ
cblr-9983	2057	14	law	law	NOUN
cblr-9983	2057	15	doctrine	doctrine	NOUN
cblr-9983	2057	16	to	to	ADP
cblr-9983	2057	17	other	other	ADJ
cblr-9983	2057	18	areas	area	NOUN
cblr-9983	2057	19	?	?	PUNCT
cblr-9983	2058	1	in	in	ADP
cblr-9983	2058	2	concluding	concluding	NOUN
cblr-9983	2058	3	,	,	PUNCT
cblr-9983	2058	4	i	i	PRON
cblr-9983	2058	5	offer	offer	VERB
cblr-9983	2058	6	a	a	DET
cblr-9983	2058	7	few	few	ADJ
cblr-9983	2058	8	thoughts	thought	NOUN
cblr-9983	2058	9	on	on	ADP
cblr-9983	2058	10	each	each	PRON
cblr-9983	2058	11	of	of	ADP
cblr-9983	2058	12	these	these	DET
cblr-9983	2058	13	topics	topic	NOUN
cblr-9983	2058	14	.	.	PUNCT
cblr-9983	2059	1	no	no	INTJ
cblr-9983	2059	2	.	.	PUNCT
cblr-9983	2060	1	1:279	1:279	NOUN
cblr-9983	2060	2	]	]	X
cblr-9983	2060	3	bank	bank	NOUN
cblr-9983	2060	4	supervision	supervision	NOUN
cblr-9983	2060	5	and	and	CCONJ
cblr-9983	2060	6	administrative	administrative	ADJ
cblr-9983	2060	7	law	law	NOUN
cblr-9983	2060	8	399	399	NUM
cblr-9983	2060	9	as	as	ADP
cblr-9983	2060	10	to	to	ADP
cblr-9983	2060	11	the	the	DET
cblr-9983	2060	12	first	first	ADJ
cblr-9983	2060	13	question	question	NOUN
cblr-9983	2060	14	,	,	PUNCT
cblr-9983	2060	15	an	an	DET
cblr-9983	2060	16	obvious	obvious	ADJ
cblr-9983	2060	17	but	but	CCONJ
cblr-9983	2060	18	still	still	ADV
cblr-9983	2060	19	useful	useful	ADJ
cblr-9983	2060	20	point	point	NOUN
cblr-9983	2060	21	is	be	AUX
cblr-9983	2060	22	that	that	SCONJ
cblr-9983	2060	23	not	not	PART
cblr-9983	2060	24	every	every	DET
cblr-9983	2060	25	supervisory	supervisory	ADJ
cblr-9983	2060	26	practice	practice	NOUN
cblr-9983	2060	27	that	that	PRON
cblr-9983	2060	28	could	could	AUX
cblr-9983	2060	29	be	be	AUX
cblr-9983	2060	30	fairly	fairly	ADV
cblr-9983	2060	31	criticized	criticize	VERB
cblr-9983	2060	32	as	as	ADP
cblr-9983	2060	33	unnecessary	unnecessary	ADJ
cblr-9983	2060	34	or	or	CCONJ
cblr-9983	2060	35	ill	ill	ADV
cblr-9983	2060	36	-	-	PUNCT
cblr-9983	2060	37	considered	consider	VERB
cblr-9983	2060	38	is	be	AUX
cblr-9983	2060	39	thereby	thereby	ADV
cblr-9983	2060	40	inconsistent	inconsistent	ADJ
cblr-9983	2060	41	with	with	ADP
cblr-9983	2060	42	administrative	administrative	ADJ
cblr-9983	2060	43	law	law	NOUN
cblr-9983	2060	44	.	.	PUNCT
cblr-9983	2061	1	i	i	PRON
cblr-9983	2061	2	have	have	VERB
cblr-9983	2061	3	no	no	DET
cblr-9983	2061	4	doubt	doubt	NOUN
cblr-9983	2061	5	,	,	PUNCT
cblr-9983	2061	6	for	for	ADP
cblr-9983	2061	7	example	example	NOUN
cblr-9983	2061	8	,	,	PUNCT
cblr-9983	2061	9	that	that	SCONJ
cblr-9983	2061	10	in	in	ADP
cblr-9983	2061	11	the	the	DET
cblr-9983	2061	12	wake	wake	NOUN
cblr-9983	2061	13	of	of	ADP
cblr-9983	2061	14	the	the	DET
cblr-9983	2061	15	financial	financial	ADJ
cblr-9983	2061	16	crisis	crisis	NOUN
cblr-9983	2061	17	,	,	PUNCT
cblr-9983	2061	18	some	some	DET
cblr-9983	2061	19	supervisors	supervisor	NOUN
cblr-9983	2061	20	overused	overuse	VERB
cblr-9983	2061	21	mras	mras	ADJ
cblr-9983	2061	22	.	.	PUNCT
cblr-9983	2062	1	as	as	ADP
cblr-9983	2062	2	a	a	DET
cblr-9983	2062	3	result	result	NOUN
cblr-9983	2062	4	,	,	PUNCT
cblr-9983	2062	5	supervisory	supervisory	ADJ
cblr-9983	2062	6	priorities	priority	NOUN
cblr-9983	2062	7	may	may	AUX
cblr-9983	2062	8	have	have	AUX
cblr-9983	2062	9	been	be	AUX
cblr-9983	2062	10	obscured	obscure	VERB
cblr-9983	2062	11	for	for	ADP
cblr-9983	2062	12	both	both	CCONJ
cblr-9983	2062	13	the	the	DET
cblr-9983	2062	14	banks	bank	NOUN
cblr-9983	2062	15	receiving	receive	VERB
cblr-9983	2062	16	bundles	bundle	NOUN
cblr-9983	2062	17	of	of	ADP
cblr-9983	2062	18	mras	mras	ADJ
cblr-9983	2062	19	and	and	CCONJ
cblr-9983	2062	20	for	for	ADP
cblr-9983	2062	21	the	the	DET
cblr-9983	2062	22	supervisors	supervisor	NOUN
cblr-9983	2062	23	themselves	themselves	PRON
cblr-9983	2062	24	.	.	PUNCT
cblr-9983	2063	1	i	i	PRON
cblr-9983	2063	2	suspect	suspect	VERB
cblr-9983	2063	3	that	that	SCONJ
cblr-9983	2063	4	with	with	ADP
cblr-9983	2063	5	more	more	ADJ
cblr-9983	2063	6	attention	attention	NOUN
cblr-9983	2063	7	to	to	ADP
cblr-9983	2063	8	internal	internal	ADJ
cblr-9983	2063	9	governance	governance	NOUN
cblr-9983	2063	10	mechanisms	mechanism	NOUN
cblr-9983	2063	11	such	such	ADJ
cblr-9983	2063	12	as	as	ADP
cblr-9983	2063	13	those	those	PRON
cblr-9983	2063	14	discussed	discuss	VERB
cblr-9983	2063	15	in	in	ADP
cblr-9983	2063	16	part	part	NOUN
cblr-9983	2063	17	iv	iv	ADP
cblr-9983	2063	18	,	,	PUNCT
cblr-9983	2063	19	senior	senior	ADJ
cblr-9983	2063	20	agency	agency	NOUN
cblr-9983	2063	21	officials	official	NOUN
cblr-9983	2063	22	would	would	AUX
cblr-9983	2063	23	have	have	VERB
cblr-9983	2063	24	more	more	ADV
cblr-9983	2063	25	quickly	quickly	ADV
cblr-9983	2063	26	rationalized	rationalize	VERB
cblr-9983	2063	27	mra	mra	NOUN
cblr-9983	2063	28	practices	practice	NOUN
cblr-9983	2063	29	,	,	PUNCT
cblr-9983	2063	30	whatever	whatever	PRON
cblr-9983	2063	31	their	their	PRON
cblr-9983	2063	32	specific	specific	ADJ
cblr-9983	2063	33	policy	policy	NOUN
cblr-9983	2063	34	orientation	orientation	NOUN
cblr-9983	2063	35	.	.	PUNCT
cblr-9983	2064	1	but	but	CCONJ
cblr-9983	2064	2	,	,	PUNCT
cblr-9983	2064	3	once	once	SCONJ
cblr-9983	2064	4	the	the	DET
cblr-9983	2064	5	legitimacy	legitimacy	NOUN
cblr-9983	2064	6	under	under	ADP
cblr-9983	2064	7	administrative	administrative	ADJ
cblr-9983	2064	8	law	law	NOUN
cblr-9983	2064	9	of	of	ADP
cblr-9983	2064	10	the	the	DET
cblr-9983	2064	11	mra	mra	NOUN
cblr-9983	2064	12	as	as	ADP
cblr-9983	2064	13	a	a	DET
cblr-9983	2064	14	supervisory	supervisory	ADJ
cblr-9983	2064	15	tool	tool	NOUN
cblr-9983	2064	16	is	be	AUX
cblr-9983	2064	17	understood	understand	VERB
cblr-9983	2064	18	,	,	PUNCT
cblr-9983	2064	19	the	the	DET
cblr-9983	2064	20	extent	extent	NOUN
cblr-9983	2064	21	to	to	PART
cblr-9983	2064	22	which	which	PRON
cblr-9983	2064	23	that	that	DET
cblr-9983	2064	24	tool	tool	NOUN
cblr-9983	2064	25	is	be	AUX
cblr-9983	2064	26	used	use	VERB
cblr-9983	2064	27	should	should	AUX
cblr-9983	2064	28	generally	generally	ADV
cblr-9983	2064	29	be	be	AUX
cblr-9983	2064	30	a	a	DET
cblr-9983	2064	31	policy	policy	NOUN
cblr-9983	2064	32	issue	issue	NOUN
cblr-9983	2064	33	,	,	PUNCT
cblr-9983	2064	34	not	not	PART
cblr-9983	2064	35	a	a	DET
cblr-9983	2064	36	legal	legal	ADJ
cblr-9983	2064	37	one	one	NOUN
cblr-9983	2064	38	.	.	PUNCT
cblr-9983	2065	1	a	a	DET
cblr-9983	2065	2	more	more	ADV
cblr-9983	2065	3	interesting	interesting	ADJ
cblr-9983	2065	4	question	question	NOUN
cblr-9983	2065	5	is	be	AUX
cblr-9983	2065	6	what	what	PRON
cblr-9983	2065	7	,	,	PUNCT
cblr-9983	2065	8	exactly	exactly	ADV
cblr-9983	2065	9	,	,	PUNCT
cblr-9983	2065	10	the	the	DET
cblr-9983	2065	11	banking	banking	NOUN
cblr-9983	2065	12	interests	interest	NOUN
cblr-9983	2065	13	arguing	argue	VERB
cblr-9983	2065	14	for	for	ADP
cblr-9983	2065	15	defanging	defang	VERB
cblr-9983	2065	16	supervision	supervision	NOUN
cblr-9983	2065	17	hope	hope	NOUN
cblr-9983	2065	18	to	to	PART
cblr-9983	2065	19	gain	gain	VERB
cblr-9983	2065	20	.	.	PUNCT
cblr-9983	2066	1	my	my	PRON
cblr-9983	2066	2	suggestion	suggestion	NOUN
cblr-9983	2066	3	that	that	SCONJ
cblr-9983	2066	4	success	success	NOUN
cblr-9983	2066	5	of	of	ADP
cblr-9983	2066	6	this	this	DET
cblr-9983	2066	7	effort	effort	NOUN
cblr-9983	2066	8	could	could	AUX
cblr-9983	2066	9	result	result	VERB
cblr-9983	2066	10	in	in	ADP
cblr-9983	2066	11	a	a	DET
cblr-9983	2066	12	suboptimal	suboptimal	ADJ
cblr-9983	2066	13	outcome	outcome	NOUN
cblr-9983	2066	14	of	of	ADP
cblr-9983	2066	15	less	less	ADV
cblr-9983	2066	16	efficient	efficient	ADJ
cblr-9983	2066	17	regulatory	regulatory	ADJ
cblr-9983	2066	18	rules	rule	NOUN
cblr-9983	2066	19	would	would	AUX
cblr-9983	2066	20	imply	imply	VERB
cblr-9983	2066	21	that	that	SCONJ
cblr-9983	2066	22	the	the	DET
cblr-9983	2066	23	strategy	strategy	NOUN
cblr-9983	2066	24	could	could	AUX
cblr-9983	2066	25	ultimately	ultimately	ADV
cblr-9983	2066	26	be	be	AUX
cblr-9983	2066	27	self	self	NOUN
cblr-9983	2066	28	-	-	PUNCT
cblr-9983	2066	29	defeating	defeating	NOUN
cblr-9983	2066	30	.	.	PUNCT
cblr-9983	2067	1	if	if	SCONJ
cblr-9983	2067	2	banking	banking	NOUN
cblr-9983	2067	3	agencies	agency	NOUN
cblr-9983	2067	4	are	be	AUX
cblr-9983	2067	5	deprived	deprive	VERB
cblr-9983	2067	6	of	of	ADP
cblr-9983	2067	7	important	important	ADJ
cblr-9983	2067	8	supervisory	supervisory	ADJ
cblr-9983	2067	9	tools	tool	NOUN
cblr-9983	2067	10	and	and	CCONJ
cblr-9983	2067	11	respond	respond	VERB
cblr-9983	2067	12	with	with	ADP
cblr-9983	2067	13	some	some	DET
cblr-9983	2067	14	combination	combination	NOUN
cblr-9983	2067	15	of	of	ADP
cblr-9983	2067	16	blunter	blunter	ADJ
cblr-9983	2067	17	and	and	CCONJ
cblr-9983	2067	18	inflexibly	inflexibly	ADV
cblr-9983	2067	19	detailed	detailed	ADJ
cblr-9983	2067	20	regulatory	regulatory	ADJ
cblr-9983	2067	21	rules	rule	NOUN
cblr-9983	2067	22	,	,	PUNCT
cblr-9983	2067	23	the	the	DET
cblr-9983	2067	24	result	result	NOUN
cblr-9983	2067	25	could	could	AUX
cblr-9983	2067	26	be	be	AUX
cblr-9983	2067	27	a	a	DET
cblr-9983	2067	28	higher	high	ADJ
cblr-9983	2067	29	regulatory	regulatory	ADJ
cblr-9983	2067	30	cost	cost	NOUN
cblr-9983	2067	31	for	for	ADP
cblr-9983	2067	32	many	many	ADJ
cblr-9983	2067	33	forms	form	NOUN
cblr-9983	2067	34	of	of	ADP
cblr-9983	2067	35	intermediation	intermediation	NOUN
cblr-9983	2067	36	.	.	PUNCT
cblr-9983	2068	1	of	of	ADP
cblr-9983	2068	2	course	course	NOUN
cblr-9983	2068	3	,	,	PUNCT
cblr-9983	2068	4	banking	banking	NOUN
cblr-9983	2068	5	interests	interest	NOUN
cblr-9983	2068	6	might	might	AUX
cblr-9983	2068	7	be	be	AUX
cblr-9983	2068	8	seeking	seek	VERB
cblr-9983	2068	9	incapacitation	incapacitation	NOUN
cblr-9983	2068	10	of	of	ADP
cblr-9983	2068	11	robust	robust	ADJ
cblr-9983	2068	12	supervision	supervision	NOUN
cblr-9983	2068	13	in	in	ADP
cblr-9983	2068	14	the	the	DET
cblr-9983	2068	15	expectation	expectation	NOUN
cblr-9983	2068	16	that	that	SCONJ
cblr-9983	2068	17	the	the	DET
cblr-9983	2068	18	bank	bank	NOUN
cblr-9983	2068	19	regulatory	regulatory	ADJ
cblr-9983	2068	20	agencies	agency	NOUN
cblr-9983	2068	21	will	will	AUX
cblr-9983	2068	22	not	not	PART
cblr-9983	2068	23	dynamically	dynamically	ADV
cblr-9983	2068	24	respond	respond	VERB
cblr-9983	2068	25	by	by	ADP
cblr-9983	2068	26	strengthening	strengthen	VERB
cblr-9983	2068	27	regulatory	regulatory	ADJ
cblr-9983	2068	28	rules	rule	NOUN
cblr-9983	2068	29	.	.	PUNCT
cblr-9983	2069	1	this	this	PRON
cblr-9983	2069	2	may	may	AUX
cblr-9983	2069	3	have	have	AUX
cblr-9983	2069	4	been	be	AUX
cblr-9983	2069	5	a	a	DET
cblr-9983	2069	6	reasonable	reasonable	ADJ
cblr-9983	2069	7	assumption	assumption	NOUN
cblr-9983	2069	8	when	when	SCONJ
cblr-9983	2069	9	the	the	DET
cblr-9983	2069	10	leadership	leadership	NOUN
cblr-9983	2069	11	of	of	ADP
cblr-9983	2069	12	federal	federal	ADJ
cblr-9983	2069	13	banking	banking	NOUN
cblr-9983	2069	14	agencies	agency	NOUN
cblr-9983	2069	15	had	have	VERB
cblr-9983	2069	16	a	a	DET
cblr-9983	2069	17	deregulatory	deregulatory	ADJ
cblr-9983	2069	18	bent	bent	NOUN
cblr-9983	2069	19	.	.	PUNCT
cblr-9983	2070	1	indeed	indeed	ADV
cblr-9983	2070	2	,	,	PUNCT
cblr-9983	2070	3	the	the	DET
cblr-9983	2070	4	agency	agency	NOUN
cblr-9983	2070	5	leaders	leader	NOUN
cblr-9983	2070	6	appointed	appoint	VERB
cblr-9983	2070	7	by	by	ADP
cblr-9983	2070	8	president	president	PROPN
cblr-9983	2070	9	trump	trump	VERB
cblr-9983	2070	10	voluntarily	voluntarily	ADV
cblr-9983	2070	11	made	make	VERB
cblr-9983	2070	12	many	many	ADJ
cblr-9983	2070	13	,	,	PUNCT
cblr-9983	2070	14	though	though	SCONJ
cblr-9983	2070	15	not	not	PART
cblr-9983	2070	16	all	all	PRON
cblr-9983	2070	17	,	,	PUNCT
cblr-9983	2070	18	of	of	ADP
cblr-9983	2070	19	the	the	DET
cblr-9983	2070	20	changes	change	NOUN
cblr-9983	2070	21	proposed	propose	VERB
cblr-9983	2070	22	by	by	ADP
cblr-9983	2070	23	these	these	DET
cblr-9983	2070	24	interests	interest	NOUN
cblr-9983	2070	25	.	.	PUNCT
cblr-9983	2071	1	with	with	SCONJ
cblr-9983	2071	2	capital	capital	NOUN
cblr-9983	2071	3	and	and	CCONJ
cblr-9983	2071	4	other	other	ADJ
cblr-9983	2071	5	regulatory	regulatory	ADJ
cblr-9983	2071	6	rules	rule	NOUN
cblr-9983	2071	7	having	having	AUX
cblr-9983	2071	8	been	be	AUX
cblr-9983	2071	9	relaxed	relax	VERB
cblr-9983	2071	10	rather	rather	ADV
cblr-9983	2071	11	than	than	ADP
cblr-9983	2071	12	tightened	tighten	VERB
cblr-9983	2071	13	,	,	PUNCT
cblr-9983	2071	14	the	the	DET
cblr-9983	2071	15	changes	change	NOUN
cblr-9983	2071	16	to	to	ADP
cblr-9983	2071	17	supervision	supervision	NOUN
cblr-9983	2071	18	looked	look	VERB
cblr-9983	2071	19	to	to	PART
cblr-9983	2071	20	be	be	AUX
cblr-9983	2071	21	another	another	DET
cblr-9983	2071	22	form	form	NOUN
cblr-9983	2071	23	of	of	ADP
cblr-9983	2071	24	deregulation	deregulation	NOUN
cblr-9983	2071	25	.	.	PUNCT
cblr-9983	2072	1	following	follow	VERB
cblr-9983	2072	2	president	president	PROPN
cblr-9983	2072	3	biden	biden	PROPN
cblr-9983	2072	4	’s	’s	PART
cblr-9983	2072	5	election	election	NOUN
cblr-9983	2072	6	,	,	PUNCT
cblr-9983	2072	7	agency	agency	NOUN
cblr-9983	2072	8	leadership	leadership	NOUN
cblr-9983	2072	9	will	will	AUX
cblr-9983	2072	10	likely	likely	ADV
cblr-9983	2072	11	be	be	AUX
cblr-9983	2072	12	replaced	replace	VERB
cblr-9983	2072	13	by	by	ADP
cblr-9983	2072	14	officials	official	NOUN
cblr-9983	2072	15	with	with	ADP
cblr-9983	2072	16	a	a	DET
cblr-9983	2072	17	more	more	ADV
cblr-9983	2072	18	rigorous	rigorous	ADJ
cblr-9983	2072	19	regulatory	regulatory	ADJ
cblr-9983	2072	20	orientation	orientation	NOUN
cblr-9983	2072	21	as	as	SCONJ
cblr-9983	2072	22	their	their	PRON
cblr-9983	2072	23	terms	term	NOUN
cblr-9983	2072	24	expire	expire	VERB
cblr-9983	2072	25	.	.	PUNCT
cblr-9983	2073	1	if	if	SCONJ
cblr-9983	2073	2	these	these	DET
cblr-9983	2073	3	new	new	ADJ
cblr-9983	2073	4	officials	official	NOUN
cblr-9983	2073	5	were	be	AUX
cblr-9983	2073	6	then	then	ADV
cblr-9983	2073	7	deprived	deprive	VERB
cblr-9983	2073	8	of	of	ADP
cblr-9983	2073	9	a	a	DET
cblr-9983	2073	10	strong	strong	ADJ
cblr-9983	2073	11	supervisory	supervisory	ADJ
cblr-9983	2073	12	tool	tool	NOUN
cblr-9983	2073	13	400	400	NUM
cblr-9983	2073	14	columbia	columbia	PROPN
cblr-9983	2073	15	business	business	NOUN
cblr-9983	2073	16	law	law	PROPN
cblr-9983	2073	17	review	review	NOUN
cblr-9983	2073	18	[	[	X
cblr-9983	2073	19	vol	vol	NOUN
cblr-9983	2073	20	.	.	PUNCT
cblr-9983	2073	21	2022	2022	NUM
cblr-9983	2073	22	because	because	SCONJ
cblr-9983	2073	23	of	of	ADP
cblr-9983	2073	24	litigation	litigation	NOUN
cblr-9983	2073	25	,	,	PUNCT
cblr-9983	2073	26	their	their	PRON
cblr-9983	2073	27	recourse	recourse	NOUN
cblr-9983	2073	28	will	will	AUX
cblr-9983	2073	29	be	be	AUX
cblr-9983	2073	30	the	the	DET
cblr-9983	2073	31	more	more	ADV
cblr-9983	2073	32	stringent	stringent	ADJ
cblr-9983	2073	33	regulatory	regulatory	ADJ
cblr-9983	2073	34	rules	rule	NOUN
cblr-9983	2073	35	.	.	PUNCT
cblr-9983	2074	1	accordingly	accordingly	ADV
cblr-9983	2074	2	,	,	PUNCT
cblr-9983	2074	3	unless	unless	SCONJ
cblr-9983	2074	4	these	these	DET
cblr-9983	2074	5	same	same	ADJ
cblr-9983	2074	6	banking	banking	NOUN
cblr-9983	2074	7	interests	interest	NOUN
cblr-9983	2074	8	are	be	AUX
cblr-9983	2074	9	counting	count	VERB
cblr-9983	2074	10	on	on	ADP
cblr-9983	2074	11	the	the	DET
cblr-9983	2074	12	courts	court	NOUN
cblr-9983	2074	13	applying	apply	VERB
cblr-9983	2074	14	a	a	DET
cblr-9983	2074	15	resurrected	resurrected	ADJ
cblr-9983	2074	16	non	non	ADJ
cblr-9983	2074	17	-	-	ADJ
cblr-9983	2074	18	delegation	delegation	ADJ
cblr-9983	2074	19	doctrine	doctrine	NOUN
cblr-9983	2074	20	to	to	PART
cblr-9983	2074	21	invalidate	invalidate	VERB
cblr-9983	2074	22	congressional	congressional	ADJ
cblr-9983	2074	23	grants	grant	NOUN
cblr-9983	2074	24	of	of	ADP
cblr-9983	2074	25	prudential	prudential	PROPN
cblr-9983	2074	26	authority	authority	PROPN
cblr-9983	2074	27	to	to	ADP
cblr-9983	2074	28	the	the	DET
cblr-9983	2074	29	banking	banking	NOUN
cblr-9983	2074	30	agencies	agency	NOUN
cblr-9983	2074	31	,	,	PUNCT
cblr-9983	2074	32	successful	successful	ADJ
cblr-9983	2074	33	administrative	administrative	ADJ
cblr-9983	2074	34	law	law	NOUN
cblr-9983	2074	35	attacks	attack	NOUN
cblr-9983	2074	36	on	on	ADP
cblr-9983	2074	37	supervisory	supervisory	ADJ
cblr-9983	2074	38	discretion	discretion	NOUN
cblr-9983	2074	39	could	could	AUX
cblr-9983	2074	40	ultimately	ultimately	ADV
cblr-9983	2074	41	prove	prove	VERB
cblr-9983	2074	42	a	a	DET
cblr-9983	2074	43	pyrrhic	pyrrhic	ADJ
cblr-9983	2074	44	victory	victory	NOUN
cblr-9983	2074	45	.	.	PUNCT
cblr-9983	2075	1	as	as	ADP
cblr-9983	2075	2	to	to	ADP
cblr-9983	2075	3	how	how	SCONJ
cblr-9983	2075	4	much	much	ADJ
cblr-9983	2075	5	impact	impact	NOUN
cblr-9983	2075	6	the	the	DET
cblr-9983	2075	7	proposals	proposal	NOUN
cblr-9983	2075	8	in	in	ADP
cblr-9983	2075	9	part	part	NOUN
cblr-9983	2075	10	iv	iv	PRON
cblr-9983	2075	11	would	would	AUX
cblr-9983	2075	12	have	have	AUX
cblr-9983	2075	13	on	on	ADP
cblr-9983	2075	14	the	the	DET
cblr-9983	2075	15	problem	problem	NOUN
cblr-9983	2075	16	of	of	ADP
cblr-9983	2075	17	supervisory	supervisory	ADJ
cblr-9983	2075	18	underreach	underreach	NOUN
cblr-9983	2075	19	,	,	PUNCT
cblr-9983	2075	20	the	the	DET
cblr-9983	2075	21	answer	answer	NOUN
cblr-9983	2075	22	is	be	AUX
cblr-9983	2075	23	probably	probably	ADV
cblr-9983	2075	24	only	only	ADV
cblr-9983	2075	25	at	at	ADP
cblr-9983	2075	26	the	the	DET
cblr-9983	2075	27	margin	margin	NOUN
cblr-9983	2075	28	.	.	PUNCT
cblr-9983	2076	1	while	while	SCONJ
cblr-9983	2076	2	current	current	ADJ
cblr-9983	2076	3	administrative	administrative	ADJ
cblr-9983	2076	4	law	law	NOUN
cblr-9983	2076	5	doctrines	doctrine	NOUN
cblr-9983	2076	6	may	may	AUX
cblr-9983	2076	7	be	be	AUX
cblr-9983	2076	8	an	an	DET
cblr-9983	2076	9	obstacle	obstacle	NOUN
cblr-9983	2076	10	to	to	ADP
cblr-9983	2076	11	realizing	realize	VERB
cblr-9983	2076	12	a	a	DET
cblr-9983	2076	13	sensible	sensible	ADJ
cblr-9983	2076	14	approach	approach	NOUN
cblr-9983	2076	15	to	to	ADP
cblr-9983	2076	16	procedural	procedural	ADJ
cblr-9983	2076	17	requirements	requirement	NOUN
cblr-9983	2076	18	and	and	CCONJ
cblr-9983	2076	19	substantive	substantive	ADJ
cblr-9983	2076	20	review	review	NOUN
cblr-9983	2076	21	of	of	ADP
cblr-9983	2076	22	supervisory	supervisory	ADJ
cblr-9983	2076	23	action	action	NOUN
cblr-9983	2076	24	,	,	PUNCT
cblr-9983	2076	25	they	they	PRON
cblr-9983	2076	26	are	be	AUX
cblr-9983	2076	27	closer	close	ADJ
cblr-9983	2076	28	to	to	ADP
cblr-9983	2076	29	an	an	DET
cblr-9983	2076	30	impregnable	impregnable	ADJ
cblr-9983	2076	31	wall	wall	NOUN
cblr-9983	2076	32	confronting	confront	VERB
cblr-9983	2076	33	any	any	DET
cblr-9983	2076	34	effort	effort	NOUN
cblr-9983	2076	35	to	to	PART
cblr-9983	2076	36	counter	counter	VERB
cblr-9983	2076	37	agency	agency	NOUN
cblr-9983	2076	38	inaction	inaction	NOUN
cblr-9983	2076	39	.	.	PUNCT
cblr-9983	2077	1	this	this	DET
cblr-9983	2077	2	issue	issue	NOUN
cblr-9983	2077	3	runs	run	VERB
cblr-9983	2077	4	much	much	ADV
cblr-9983	2077	5	deeper	deep	ADJ
cblr-9983	2077	6	than	than	ADP
cblr-9983	2077	7	bank	bank	NOUN
cblr-9983	2077	8	supervision	supervision	NOUN
cblr-9983	2077	9	,	,	PUNCT
cblr-9983	2077	10	implicating	implicate	VERB
cblr-9983	2077	11	as	as	SCONJ
cblr-9983	2077	12	it	it	PRON
cblr-9983	2077	13	does	do	AUX
cblr-9983	2077	14	generally	generally	ADV
cblr-9983	2077	15	applicable	applicable	ADJ
cblr-9983	2077	16	standing	standing	NOUN
cblr-9983	2077	17	doctrine	doctrine	NOUN
cblr-9983	2077	18	and	and	CCONJ
cblr-9983	2077	19	traditional	traditional	ADJ
cblr-9983	2077	20	judicial	judicial	ADJ
cblr-9983	2077	21	deference	deference	NOUN
cblr-9983	2077	22	to	to	ADP
cblr-9983	2077	23	agency	agency	NOUN
cblr-9983	2077	24	decisions	decision	NOUN
cblr-9983	2077	25	not	not	PART
cblr-9983	2077	26	to	to	PART
cblr-9983	2077	27	take	take	VERB
cblr-9983	2077	28	enforcement	enforcement	NOUN
cblr-9983	2077	29	actions	action	NOUN
cblr-9983	2077	30	.	.	PUNCT
cblr-9983	2078	1	still	still	ADV
cblr-9983	2078	2	,	,	PUNCT
cblr-9983	2078	3	internal	internal	ADJ
cblr-9983	2078	4	administrative	administrative	ADJ
cblr-9983	2078	5	law	law	NOUN
cblr-9983	2078	6	of	of	ADP
cblr-9983	2078	7	the	the	DET
cblr-9983	2078	8	sort	sort	NOUN
cblr-9983	2078	9	suggested	suggest	VERB
cblr-9983	2078	10	in	in	ADP
cblr-9983	2078	11	part	part	NOUN
cblr-9983	2078	12	iv	iv	PRON
cblr-9983	2078	13	could	could	AUX
cblr-9983	2078	14	mitigate	mitigate	VERB
cblr-9983	2078	15	somewhat	somewhat	ADV
cblr-9983	2078	16	the	the	DET
cblr-9983	2078	17	problem	problem	NOUN
cblr-9983	2078	18	of	of	ADP
cblr-9983	2078	19	supervisory	supervisory	ADJ
cblr-9983	2078	20	underreach	underreach	NOUN
cblr-9983	2078	21	,	,	PUNCT
cblr-9983	2078	22	especially	especially	ADV
cblr-9983	2078	23	as	as	SCONJ
cblr-9983	2078	24	it	it	PRON
cblr-9983	2078	25	pertains	pertain	VERB
cblr-9983	2078	26	to	to	ADP
cblr-9983	2078	27	line	line	NOUN
cblr-9983	2078	28	supervisors	supervisor	NOUN
cblr-9983	2078	29	.	.	PUNCT
cblr-9983	2079	1	expectations	expectation	NOUN
cblr-9983	2079	2	of	of	ADP
cblr-9983	2079	3	principal	principal	ADJ
cblr-9983	2079	4	involvement	involvement	NOUN
cblr-9983	2079	5	in	in	ADP
cblr-9983	2079	6	setting	set	VERB
cblr-9983	2079	7	supervisory	supervisory	ADJ
cblr-9983	2079	8	directions	direction	NOUN
cblr-9983	2079	9	and	and	CCONJ
cblr-9983	2079	10	priorities	priority	NOUN
cblr-9983	2079	11	,	,	PUNCT
cblr-9983	2079	12	proactive	proactive	ADJ
cblr-9983	2079	13	monitoring	monitoring	NOUN
cblr-9983	2079	14	systems	system	NOUN
cblr-9983	2079	15	,	,	PUNCT
cblr-9983	2079	16	increased	increase	VERB
cblr-9983	2079	17	transparency	transparency	NOUN
cblr-9983	2079	18	,	,	PUNCT
cblr-9983	2079	19	and	and	CCONJ
cblr-9983	2079	20	well	well	ADV
cblr-9983	2079	21	-	-	PUNCT
cblr-9983	2079	22	conceived	conceive	VERB
cblr-9983	2079	23	processes	process	NOUN
cblr-9983	2079	24	for	for	ADP
cblr-9983	2079	25	reviewing	review	VERB
cblr-9983	2079	26	supervisory	supervisory	ADJ
cblr-9983	2079	27	decisions	decision	NOUN
cblr-9983	2079	28	should	should	AUX
cblr-9983	2079	29	all	all	PRON
cblr-9983	2079	30	help	help	VERB
cblr-9983	2079	31	make	make	VERB
cblr-9983	2079	32	supervisory	supervisory	ADJ
cblr-9983	2079	33	practice	practice	NOUN
cblr-9983	2079	34	more	more	ADV
cblr-9983	2079	35	consistent	consistent	ADJ
cblr-9983	2079	36	across	across	ADP
cblr-9983	2079	37	banks	bank	NOUN
cblr-9983	2079	38	and	and	CCONJ
cblr-9983	2079	39	closer	close	ADJ
cblr-9983	2079	40	to	to	ADP
cblr-9983	2079	41	the	the	DET
cblr-9983	2079	42	policies	policy	NOUN
cblr-9983	2079	43	of	of	ADP
cblr-9983	2079	44	agency	agency	NOUN
cblr-9983	2079	45	principals	principal	NOUN
cblr-9983	2079	46	.	.	PUNCT
cblr-9983	2080	1	however	however	ADV
cblr-9983	2080	2	,	,	PUNCT
cblr-9983	2080	3	when	when	SCONJ
cblr-9983	2080	4	those	those	DET
cblr-9983	2080	5	principals	principal	NOUN
cblr-9983	2080	6	are	be	AUX
cblr-9983	2080	7	themselves	themselves	PRON
cblr-9983	2080	8	inclined	inclined	ADJ
cblr-9983	2080	9	to	to	PART
cblr-9983	2080	10	light	light	ADJ
cblr-9983	2080	11	touch	touch	NOUN
cblr-9983	2080	12	supervision	supervision	NOUN
cblr-9983	2080	13	,	,	PUNCT
cblr-9983	2080	14	even	even	ADV
cblr-9983	2080	15	the	the	DET
cblr-9983	2080	16	best	good	ADJ
cblr-9983	2080	17	internal	internal	ADJ
cblr-9983	2080	18	governance	governance	NOUN
cblr-9983	2080	19	mechanisms	mechanism	NOUN
cblr-9983	2080	20	will	will	AUX
cblr-9983	2080	21	not	not	PART
cblr-9983	2080	22	prevent	prevent	VERB
cblr-9983	2080	23	supervisory	supervisory	ADJ
cblr-9983	2080	24	laxity	laxity	NOUN
cblr-9983	2080	25	.	.	PUNCT
cblr-9983	2081	1	finally	finally	ADV
cblr-9983	2081	2	,	,	PUNCT
cblr-9983	2081	3	as	as	ADP
cblr-9983	2081	4	to	to	ADP
cblr-9983	2081	5	the	the	DET
cblr-9983	2081	6	relevance	relevance	NOUN
cblr-9983	2081	7	of	of	ADP
cblr-9983	2081	8	my	my	PRON
cblr-9983	2081	9	analysis	analysis	NOUN
cblr-9983	2081	10	to	to	ADP
cblr-9983	2081	11	other	other	ADJ
cblr-9983	2081	12	regulatory	regulatory	ADJ
cblr-9983	2081	13	areas	area	NOUN
cblr-9983	2081	14	,	,	PUNCT
cblr-9983	2081	15	one	one	NUM
cblr-9983	2081	16	implication	implication	NOUN
cblr-9983	2081	17	seems	seem	VERB
cblr-9983	2081	18	reasonably	reasonably	ADV
cblr-9983	2081	19	clear	clear	ADJ
cblr-9983	2081	20	:	:	PUNCT
cblr-9983	2081	21	in	in	ADP
cblr-9983	2081	22	determining	determine	VERB
cblr-9983	2081	23	procedures	procedure	NOUN
cblr-9983	2081	24	that	that	PRON
cblr-9983	2081	25	the	the	DET
cblr-9983	2081	26	apa	apa	PROPN
cblr-9983	2081	27	requires	require	VERB
cblr-9983	2081	28	of	of	ADP
cblr-9983	2081	29	an	an	DET
cblr-9983	2081	30	agency	agency	NOUN
cblr-9983	2081	31	fulfilling	fulfil	VERB
cblr-9983	2081	32	its	its	PRON
cblr-9983	2081	33	regulatory	regulatory	ADJ
cblr-9983	2081	34	or	or	CCONJ
cblr-9983	2081	35	programmatic	programmatic	ADJ
cblr-9983	2081	36	charge	charge	NOUN
cblr-9983	2081	37	,	,	PUNCT
cblr-9983	2081	38	courts	court	NOUN
cblr-9983	2081	39	should	should	AUX
cblr-9983	2081	40	be	be	AUX
cblr-9983	2081	41	attentive	attentive	ADJ
cblr-9983	2081	42	to	to	ADP
cblr-9983	2081	43	the	the	DET
cblr-9983	2081	44	statutory	statutory	ADJ
cblr-9983	2081	45	provisions	provision	NOUN
cblr-9983	2081	46	through	through	ADP
cblr-9983	2081	47	which	which	PRON
cblr-9983	2081	48	congress	congress	PROPN
cblr-9983	2081	49	has	have	AUX
cblr-9983	2081	50	delegated	delegate	VERB
cblr-9983	2081	51	these	these	DET
cblr-9983	2081	52	responsibilities	responsibility	NOUN
cblr-9983	2081	53	.	.	PUNCT
cblr-9983	2082	1	courts	court	NOUN
cblr-9983	2082	2	universally	universally	ADV
cblr-9983	2082	3	recognize	recognize	VERB
cblr-9983	2082	4	specific	specific	ADJ
cblr-9983	2082	5	procedural	procedural	ADJ
cblr-9983	2082	6	provisions	provision	NOUN
cblr-9983	2082	7	in	in	ADP
cblr-9983	2082	8	enabling	enable	VERB
cblr-9983	2082	9	legislation	legislation	NOUN
cblr-9983	2082	10	as	as	ADP
cblr-9983	2082	11	either	either	CCONJ
cblr-9983	2082	12	supplementing	supplement	VERB
cblr-9983	2082	13	or	or	CCONJ
cblr-9983	2082	14	superseding	supersede	VERB
cblr-9983	2082	15	apa	apa	PROPN
cblr-9983	2082	16	requirements	requirement	NOUN
cblr-9983	2082	17	.	.	PUNCT
cblr-9983	2083	1	but	but	CCONJ
cblr-9983	2083	2	,	,	PUNCT
cblr-9983	2083	3	as	as	SCONJ
cblr-9983	2083	4	the	the	DET
cblr-9983	2083	5	doctrinal	doctrinal	ADJ
cblr-9983	2083	6	analyses	analysis	NOUN
cblr-9983	2083	7	in	in	ADP
cblr-9983	2083	8	part	part	NOUN
cblr-9983	2083	9	iii	iii	X
cblr-9983	2083	10	no	no	NOUN
cblr-9983	2083	11	.	.	PUNCT
cblr-9983	2084	1	1:279	1:279	NOUN
cblr-9983	2084	2	]	]	X
cblr-9983	2084	3	bank	bank	NOUN
cblr-9983	2084	4	supervision	supervision	NOUN
cblr-9983	2084	5	and	and	CCONJ
cblr-9983	2084	6	administrative	administrative	ADJ
cblr-9983	2084	7	law	law	NOUN
cblr-9983	2084	8	401	401	NUM
cblr-9983	2084	9	reveal	reveal	VERB
cblr-9983	2084	10	,	,	PUNCT
cblr-9983	2084	11	substantive	substantive	ADJ
cblr-9983	2084	12	features	feature	NOUN
cblr-9983	2084	13	of	of	ADP
cblr-9983	2084	14	regulatory	regulatory	ADJ
cblr-9983	2084	15	legislation	legislation	NOUN
cblr-9983	2084	16	are	be	AUX
cblr-9983	2084	17	also	also	ADV
cblr-9983	2084	18	relevant	relevant	ADJ
cblr-9983	2084	19	.	.	PUNCT
cblr-9983	2085	1	the	the	DET
cblr-9983	2085	2	question	question	NOUN
cblr-9983	2085	3	,	,	PUNCT
cblr-9983	2085	4	of	of	ADP
cblr-9983	2085	5	course	course	NOUN
cblr-9983	2085	6	,	,	PUNCT
cblr-9983	2085	7	is	be	AUX
cblr-9983	2085	8	how	how	SCONJ
cblr-9983	2085	9	relevant	relevant	ADJ
cblr-9983	2085	10	.	.	PUNCT
cblr-9983	2086	1	the	the	DET
cblr-9983	2086	2	answer	answer	NOUN
cblr-9983	2086	3	will	will	AUX
cblr-9983	2086	4	presumably	presumably	ADV
cblr-9983	2086	5	vary	vary	VERB
cblr-9983	2086	6	both	both	PRON
cblr-9983	2086	7	with	with	ADP
cblr-9983	2086	8	the	the	DET
cblr-9983	2086	9	specifics	specific	NOUN
cblr-9983	2086	10	of	of	ADP
cblr-9983	2086	11	the	the	DET
cblr-9983	2086	12	substantive	substantive	ADJ
cblr-9983	2086	13	legislation	legislation	NOUN
cblr-9983	2086	14	and	and	CCONJ
cblr-9983	2086	15	with	with	ADP
cblr-9983	2086	16	the	the	DET
cblr-9983	2086	17	priors	prior	NOUN
cblr-9983	2086	18	of	of	ADP
cblr-9983	2086	19	the	the	DET
cblr-9983	2086	20	judge	judge	NOUN
cblr-9983	2086	21	or	or	CCONJ
cblr-9983	2086	22	commentator	commentator	NOUN
cblr-9983	2086	23	parsing	parse	VERB
cblr-9983	2086	24	the	the	DET
cblr-9983	2086	25	question	question	NOUN
cblr-9983	2086	26	.	.	PUNCT
cblr-9983	2087	1	banking	banking	NOUN
cblr-9983	2087	2	supervision	supervision	NOUN
cblr-9983	2087	3	is	be	AUX
cblr-9983	2087	4	clearly	clearly	ADV
cblr-9983	2087	5	an	an	DET
cblr-9983	2087	6	unusual	unusual	ADJ
cblr-9983	2087	7	administrative	administrative	ADJ
cblr-9983	2087	8	function	function	NOUN
cblr-9983	2087	9	,	,	PUNCT
cblr-9983	2087	10	defined	define	VERB
cblr-9983	2087	11	as	as	SCONJ
cblr-9983	2087	12	it	it	PRON
cblr-9983	2087	13	is	be	AUX
cblr-9983	2087	14	by	by	ADP
cblr-9983	2087	15	its	its	PRON
cblr-9983	2087	16	explicit	explicit	ADJ
cblr-9983	2087	17	statutory	statutory	ADJ
cblr-9983	2087	18	grounding	grounding	NOUN
cblr-9983	2087	19	,	,	PUNCT
cblr-9983	2087	20	its	its	PRON
cblr-9983	2087	21	role	role	NOUN
cblr-9983	2087	22	in	in	ADP
cblr-9983	2087	23	overseeing	oversee	VERB
cblr-9983	2087	24	the	the	DET
cblr-9983	2087	25	money	money	NOUN
cblr-9983	2087	26	-	-	PUNCT
cblr-9983	2087	27	creating	create	VERB
cblr-9983	2087	28	function	function	NOUN
cblr-9983	2087	29	of	of	ADP
cblr-9983	2087	30	banks	bank	NOUN
cblr-9983	2087	31	,	,	PUNCT
cblr-9983	2087	32	and	and	CCONJ
cblr-9983	2087	33	its	its	PRON
cblr-9983	2087	34	importance	importance	NOUN
cblr-9983	2087	35	in	in	ADP
cblr-9983	2087	36	guarding	guard	VERB
cblr-9983	2087	37	against	against	ADP
cblr-9983	2087	38	financial	financial	ADJ
cblr-9983	2087	39	crises	crisis	NOUN
cblr-9983	2087	40	that	that	PRON
cblr-9983	2087	41	inflict	inflict	VERB
cblr-9983	2087	42	long	long	ADV
cblr-9983	2087	43	-	-	PUNCT
cblr-9983	2087	44	lasting	last	VERB
cblr-9983	2087	45	harm	harm	NOUN
cblr-9983	2087	46	on	on	ADP
cblr-9983	2087	47	the	the	DET
cblr-9983	2087	48	economy	economy	NOUN
cblr-9983	2087	49	.	.	PUNCT
cblr-9983	2088	1	but	but	CCONJ
cblr-9983	2088	2	is	be	AUX
cblr-9983	2088	3	it	it	PRON
cblr-9983	2088	4	essentially	essentially	ADV
cblr-9983	2088	5	an	an	DET
cblr-9983	2088	6	outlier	outlier	NOUN
cblr-9983	2088	7	,	,	PUNCT
cblr-9983	2088	8	or	or	CCONJ
cblr-9983	2088	9	just	just	ADV
cblr-9983	2088	10	toward	toward	ADP
cblr-9983	2088	11	the	the	DET
cblr-9983	2088	12	end	end	NOUN
cblr-9983	2088	13	of	of	ADP
cblr-9983	2088	14	a	a	DET
cblr-9983	2088	15	spectrum	spectrum	NOUN
cblr-9983	2088	16	of	of	ADP
cblr-9983	2088	17	agency	agency	NOUN
cblr-9983	2088	18	responsibilities	responsibility	NOUN
cblr-9983	2088	19	created	create	VERB
cblr-9983	2088	20	by	by	ADP
cblr-9983	2088	21	congress	congress	PROPN
cblr-9983	2088	22	that	that	PRON
cblr-9983	2088	23	contemplates	contemplate	VERB
cblr-9983	2088	24	or	or	CCONJ
cblr-9983	2088	25	requires	require	VERB
cblr-9983	2088	26	relationships	relationship	NOUN
cblr-9983	2088	27	between	between	ADP
cblr-9983	2088	28	agency	agency	NOUN
cblr-9983	2088	29	officials	official	NOUN
cblr-9983	2088	30	and	and	CCONJ
cblr-9983	2088	31	regulated	regulated	ADJ
cblr-9983	2088	32	entities	entity	NOUN
cblr-9983	2088	33	?	?	PUNCT
cblr-9983	2089	1	one	one	NUM
cblr-9983	2089	2	reading	reading	NOUN
cblr-9983	2089	3	of	of	ADP
cblr-9983	2089	4	professor	professor	PROPN
cblr-9983	2089	5	parrillo	parrillo	PROPN
cblr-9983	2089	6	’s	’s	PART
cblr-9983	2089	7	evaluation	evaluation	NOUN
cblr-9983	2089	8	of	of	ADP
cblr-9983	2089	9	the	the	DET
cblr-9983	2089	10	use	use	NOUN
cblr-9983	2089	11	of	of	ADP
cblr-9983	2089	12	guidance	guidance	NOUN
cblr-9983	2089	13	across	across	ADP
cblr-9983	2089	14	agencies	agency	NOUN
cblr-9983	2089	15	suggests	suggest	VERB
cblr-9983	2089	16	that	that	SCONJ
cblr-9983	2089	17	,	,	PUNCT
cblr-9983	2089	18	at	at	ADV
cblr-9983	2089	19	least	least	ADJ
cblr-9983	2089	20	as	as	SCONJ
cblr-9983	2089	21	the	the	DET
cblr-9983	2089	22	practice	practice	NOUN
cblr-9983	2089	23	has	have	AUX
cblr-9983	2089	24	evolved	evolve	VERB
cblr-9983	2089	25	over	over	ADP
cblr-9983	2089	26	the	the	DET
cblr-9983	2089	27	decades	decade	NOUN
cblr-9983	2089	28	,	,	PUNCT
cblr-9983	2089	29	the	the	DET
cblr-9983	2089	30	latter	latter	ADJ
cblr-9983	2089	31	is	be	AUX
cblr-9983	2089	32	the	the	DET
cblr-9983	2089	33	case	case	NOUN
cblr-9983	2089	34	.	.	PUNCT
cblr-9983	2090	1	but	but	CCONJ
cblr-9983	2090	2	the	the	DET
cblr-9983	2090	3	question	question	NOUN
cblr-9983	2090	4	bears	bear	VERB
cblr-9983	2090	5	considerable	considerable	ADJ
cblr-9983	2090	6	further	further	ADJ
cblr-9983	2090	7	discussion	discussion	NOUN
cblr-9983	2090	8	.	.	PUNCT
cblr-9983	2091	1	everyone	everyone	PRON
cblr-9983	2091	2	interested	interested	ADJ
cblr-9983	2091	3	in	in	ADP
cblr-9983	2091	4	administrative	administrative	ADJ
cblr-9983	2091	5	law	law	NOUN
cblr-9983	2091	6	presumably	presumably	ADV
cblr-9983	2091	7	believes	believe	VERB
cblr-9983	2091	8	both	both	PRON
cblr-9983	2091	9	that	that	SCONJ
cblr-9983	2091	10	some	some	DET
cblr-9983	2091	11	measure	measure	NOUN
cblr-9983	2091	12	of	of	ADP
cblr-9983	2091	13	trans	tran	NOUN
cblr-9983	2091	14	-	-	NOUN
cblr-9983	2091	15	substantivity	substantivity	NOUN
cblr-9983	2091	16	is	be	AUX
cblr-9983	2091	17	desirable	desirable	ADJ
cblr-9983	2091	18	and	and	CCONJ
cblr-9983	2091	19	that	that	SCONJ
cblr-9983	2091	20	more	more	ADV
cblr-9983	2091	21	tailored	tailor	VERB
cblr-9983	2091	22	applications	application	NOUN
cblr-9983	2091	23	of	of	ADP
cblr-9983	2091	24	apa	apa	PROPN
cblr-9983	2091	25	provisions	provision	NOUN
cblr-9983	2091	26	are	be	AUX
cblr-9983	2091	27	sometimes	sometimes	ADV
cblr-9983	2091	28	warranted	warrant	VERB
cblr-9983	2091	29	.	.	PUNCT
cblr-9983	2092	1	if	if	SCONJ
cblr-9983	2092	2	administrative	administrative	ADJ
cblr-9983	2092	3	law	law	NOUN
cblr-9983	2092	4	scholarship	scholarship	NOUN
cblr-9983	2092	5	is	be	AUX
cblr-9983	2092	6	any	any	DET
cblr-9983	2092	7	indication	indication	NOUN
cblr-9983	2092	8	,	,	PUNCT
cblr-9983	2092	9	there	there	PRON
cblr-9983	2092	10	is	be	VERB
cblr-9983	2092	11	a	a	DET
cblr-9983	2092	12	broad	broad	ADJ
cblr-9983	2092	13	range	range	NOUN
cblr-9983	2092	14	of	of	ADP
cblr-9983	2092	15	positions	position	NOUN
cblr-9983	2092	16	on	on	ADP
cblr-9983	2092	17	the	the	DET
cblr-9983	2092	18	appropriate	appropriate	ADJ
cblr-9983	2092	19	,	,	PUNCT
cblr-9983	2092	20	if	if	SCONJ
cblr-9983	2092	21	not	not	PART
cblr-9983	2092	22	required	require	VERB
cblr-9983	2092	23	,	,	PUNCT
cblr-9983	2092	24	mix	mix	NOUN
cblr-9983	2092	25	of	of	ADP
cblr-9983	2092	26	the	the	DET
cblr-9983	2092	27	general	general	NOUN
cblr-9983	2092	28	and	and	CCONJ
cblr-9983	2092	29	the	the	DET
cblr-9983	2092	30	particular	particular	ADJ
cblr-9983	2092	31	.	.	PUNCT
cblr-9983	2093	1	there	there	PRON
cblr-9983	2093	2	may	may	AUX
cblr-9983	2093	3	be	be	AUX
cblr-9983	2093	4	considerable	considerable	ADJ
cblr-9983	2093	5	room	room	NOUN
cblr-9983	2093	6	for	for	ADP
cblr-9983	2093	7	debate	debate	NOUN
cblr-9983	2093	8	on	on	ADP
cblr-9983	2093	9	how	how	SCONJ
cblr-9983	2093	10	much	much	ADJ
cblr-9983	2093	11	weight	weight	NOUN
cblr-9983	2093	12	to	to	PART
cblr-9983	2093	13	give	give	VERB
cblr-9983	2093	14	substantive	substantive	ADJ
cblr-9983	2093	15	statutory	statutory	ADJ
cblr-9983	2093	16	provisions	provision	NOUN
cblr-9983	2093	17	in	in	ADP
cblr-9983	2093	18	applying	apply	VERB
cblr-9983	2093	19	administrative	administrative	ADJ
cblr-9983	2093	20	law	law	NOUN
cblr-9983	2093	21	doctrines	doctrine	NOUN
cblr-9983	2093	22	in	in	ADP
cblr-9983	2093	23	other	other	ADJ
cblr-9983	2093	24	areas	area	NOUN
cblr-9983	2093	25	,	,	PUNCT
cblr-9983	2093	26	much	much	ADV
cblr-9983	2093	27	less	less	ADJ
cblr-9983	2093	28	whether	whether	SCONJ
cblr-9983	2093	29	those	those	DET
cblr-9983	2093	30	areas	area	NOUN
cblr-9983	2093	31	warrant	warrant	VERB
cblr-9983	2093	32	exploration	exploration	NOUN
cblr-9983	2093	33	of	of	ADP
cblr-9983	2093	34	alternative	alternative	ADJ
cblr-9983	2093	35	approaches	approach	NOUN
cblr-9983	2093	36	grounded	ground	VERB
cblr-9983	2093	37	in	in	ADP
cblr-9983	2093	38	internal	internal	ADJ
cblr-9983	2093	39	administrative	administrative	ADJ
cblr-9983	2093	40	law	law	NOUN
cblr-9983	2093	41	.	.	PUNCT