id	sid	tid	token	lemma	pos
cblr-9988	1	1	microsoft	microsoft	PROPN
cblr-9988	1	2	word	word	NOUN
cblr-9988	1	3	12	12	NUM
cblr-9988	1	4	.	.	PUNCT
cblr-9988	2	1	final_zhu.docx	final_zhu.docx	NOUN
cblr-9988	2	2	note	note	NOUN
cblr-9988	2	3	using	use	VERB
cblr-9988	2	4	a	a	DET
cblr-9988	2	5	cdfi	cdfi	VERB
cblr-9988	2	6	-	-	PUNCT
cblr-9988	2	7	like	like	ADJ
cblr-9988	2	8	program	program	NOUN
cblr-9988	2	9	to	to	PART
cblr-9988	2	10	expand	expand	VERB
cblr-9988	2	11	online	online	ADJ
cblr-9988	2	12	lending	lending	NOUN
cblr-9988	2	13	to	to	ADP
cblr-9988	2	14	minority	minority	NOUN
cblr-9988	2	15	business	business	NOUN
cblr-9988	2	16	owners	owner	NOUN
cblr-9988	2	17	mary	mary	PROPN
cblr-9988	2	18	zhu	zhu	PROPN
cblr-9988	2	19	*	*	PROPN
cblr-9988	2	20	minority	minority	NOUN
cblr-9988	2	21	business	business	NOUN
cblr-9988	2	22	owners	owner	NOUN
cblr-9988	2	23	face	face	VERB
cblr-9988	2	24	challenges	challenge	NOUN
cblr-9988	2	25	in	in	ADP
cblr-9988	2	26	accessing	access	VERB
cblr-9988	2	27	credit	credit	NOUN
cblr-9988	2	28	due	due	ADP
cblr-9988	2	29	to	to	ADP
cblr-9988	2	30	banking	banking	NOUN
cblr-9988	2	31	industry	industry	NOUN
cblr-9988	2	32	-	-	PUNCT
cblr-9988	2	33	wide	wide	ADJ
cblr-9988	2	34	trends	trend	NOUN
cblr-9988	2	35	moving	move	VERB
cblr-9988	2	36	away	away	ADV
cblr-9988	2	37	from	from	ADP
cblr-9988	2	38	small	small	ADJ
cblr-9988	2	39	-	-	PUNCT
cblr-9988	2	40	dollar	dollar	NOUN
cblr-9988	2	41	loans	loan	NOUN
cblr-9988	2	42	and	and	CCONJ
cblr-9988	2	43	because	because	SCONJ
cblr-9988	2	44	many	many	ADJ
cblr-9988	2	45	have	have	VERB
cblr-9988	2	46	less	less	ADV
cblr-9988	2	47	formal	formal	ADJ
cblr-9988	2	48	credit	credit	NOUN
cblr-9988	2	49	information	information	NOUN
cblr-9988	2	50	.	.	PUNCT
cblr-9988	3	1	online	online	ADJ
cblr-9988	3	2	lenders	lender	NOUN
cblr-9988	3	3	have	have	AUX
cblr-9988	3	4	emerged	emerge	VERB
cblr-9988	3	5	to	to	PART
cblr-9988	3	6	meet	meet	VERB
cblr-9988	3	7	this	this	DET
cblr-9988	3	8	market	market	NOUN
cblr-9988	3	9	demand	demand	NOUN
cblr-9988	3	10	,	,	PUNCT
cblr-9988	3	11	using	use	VERB
cblr-9988	3	12	various	various	ADJ
cblr-9988	3	13	sources	source	NOUN
cblr-9988	3	14	of	of	ADP
cblr-9988	3	15	data	datum	NOUN
cblr-9988	3	16	besides	besides	SCONJ
cblr-9988	3	17	credit	credit	NOUN
cblr-9988	3	18	scores	score	NOUN
cblr-9988	3	19	to	to	PART
cblr-9988	3	20	assess	assess	VERB
cblr-9988	3	21	creditworthiness	creditworthiness	NOUN
cblr-9988	3	22	.	.	PUNCT
cblr-9988	4	1	these	these	DET
cblr-9988	4	2	platforms	platform	NOUN
cblr-9988	4	3	help	help	VERB
cblr-9988	4	4	minority	minority	NOUN
cblr-9988	4	5	business	business	NOUN
cblr-9988	4	6	owners	owner	NOUN
cblr-9988	4	7	who	who	PRON
cblr-9988	4	8	have	have	VERB
cblr-9988	4	9	limited	limit	VERB
cblr-9988	4	10	credit	credit	NOUN
cblr-9988	4	11	data	datum	NOUN
cblr-9988	4	12	.	.	PUNCT
cblr-9988	5	1	however	however	ADV
cblr-9988	5	2	,	,	PUNCT
cblr-9988	5	3	online	online	ADJ
cblr-9988	5	4	lenders	lender	NOUN
cblr-9988	5	5	may	may	AUX
cblr-9988	5	6	suffer	suffer	VERB
cblr-9988	5	7	liquidity	liquidity	NOUN
cblr-9988	5	8	problems	problem	NOUN
cblr-9988	5	9	during	during	ADP
cblr-9988	5	10	a	a	DET
cblr-9988	5	11	recession	recession	NOUN
cblr-9988	5	12	,	,	PUNCT
cblr-9988	5	13	when	when	SCONJ
cblr-9988	5	14	business	business	NOUN
cblr-9988	5	15	owners	owner	NOUN
cblr-9988	5	16	may	may	AUX
cblr-9988	5	17	be	be	AUX
cblr-9988	5	18	especially	especially	ADV
cblr-9988	5	19	in	in	ADP
cblr-9988	5	20	need	need	NOUN
cblr-9988	5	21	of	of	ADP
cblr-9988	5	22	funding	funding	NOUN
cblr-9988	5	23	.	.	PUNCT
cblr-9988	6	1	this	this	DET
cblr-9988	6	2	note	note	NOUN
cblr-9988	6	3	advocates	advocate	VERB
cblr-9988	6	4	for	for	ADP
cblr-9988	6	5	programs	program	NOUN
cblr-9988	6	6	that	that	PRON
cblr-9988	6	7	incentivize	incentivize	VERB
cblr-9988	6	8	online	online	ADJ
cblr-9988	6	9	lenders	lender	NOUN
cblr-9988	6	10	to	to	PART
cblr-9988	6	11	invest	invest	VERB
cblr-9988	6	12	in	in	ADP
cblr-9988	6	13	low	low	ADJ
cblr-9988	6	14	-	-	PUNCT
cblr-9988	6	15	income	income	NOUN
cblr-9988	6	16	and	and	CCONJ
cblr-9988	6	17	minority	minority	NOUN
cblr-9988	6	18	communities	community	NOUN
cblr-9988	6	19	.	.	PUNCT
cblr-9988	7	1	specifically	specifically	ADV
cblr-9988	7	2	,	,	PUNCT
cblr-9988	7	3	this	this	DET
cblr-9988	7	4	note	note	NOUN
cblr-9988	7	5	outlines	outline	VERB
cblr-9988	7	6	a	a	DET
cblr-9988	7	7	proposal	proposal	NOUN
cblr-9988	7	8	for	for	ADP
cblr-9988	7	9	a	a	DET
cblr-9988	7	10	community	community	NOUN
cblr-9988	7	11	development	development	NOUN
cblr-9988	7	12	financial	financial	ADJ
cblr-9988	7	13	institution	institution	NOUN
cblr-9988	7	14	fund	fund	NOUN
cblr-9988	7	15	-	-	PUNCT
cblr-9988	7	16	like	like	ADJ
cblr-9988	7	17	subsidy	subsidy	NOUN
cblr-9988	7	18	system	system	NOUN
cblr-9988	7	19	that	that	PRON
cblr-9988	7	20	offers	offer	VERB
cblr-9988	7	21	federal	federal	ADJ
cblr-9988	7	22	grants	grant	NOUN
cblr-9988	7	23	to	to	ADP
cblr-9988	7	24	online	online	ADJ
cblr-9988	7	25	lenders	lender	NOUN
cblr-9988	7	26	that	that	PRON
cblr-9988	7	27	invest	invest	VERB
cblr-9988	7	28	in	in	ADP
cblr-9988	7	29	certain	certain	ADJ
cblr-9988	7	30	low	low	ADJ
cblr-9988	7	31	-	-	PUNCT
cblr-9988	7	32	income	income	NOUN
cblr-9988	7	33	communities	community	NOUN
cblr-9988	7	34	and	and	CCONJ
cblr-9988	7	35	businesses	business	NOUN
cblr-9988	7	36	,	,	PUNCT
cblr-9988	7	37	upon	upon	SCONJ
cblr-9988	7	38	the	the	DET
cblr-9988	7	39	condition	condition	NOUN
cblr-9988	7	40	that	that	SCONJ
cblr-9988	7	41	these	these	DET
cblr-9988	7	42	lenders	lender	NOUN
cblr-9988	7	43	will	will	AUX
cblr-9988	7	44	maintain	maintain	VERB
cblr-9988	7	45	enough	enough	ADJ
cblr-9988	7	46	capital	capital	NOUN
cblr-9988	7	47	reserves	reserve	NOUN
cblr-9988	7	48	to	to	PART
cblr-9988	7	49	ensure	ensure	VERB
cblr-9988	7	50	they	they	PRON
cblr-9988	7	51	can	can	AUX
cblr-9988	7	52	continue	continue	VERB
cblr-9988	7	53	providing	provide	VERB
cblr-9988	7	54	credit	credit	NOUN
cblr-9988	7	55	during	during	ADP
cblr-9988	7	56	a	a	DET
cblr-9988	7	57	recession	recession	NOUN
cblr-9988	7	58	.	.	PUNCT
cblr-9988	8	1	such	such	DET
cblr-9988	8	2	a	a	DET
cblr-9988	8	3	program	program	NOUN
cblr-9988	8	4	can	can	AUX
cblr-9988	8	5	help	help	VERB
cblr-9988	8	6	ensure	ensure	VERB
cblr-9988	8	7	minority	minority	NOUN
cblr-9988	8	8	business	business	NOUN
cblr-9988	8	9	owners	owner	NOUN
cblr-9988	8	10	have	have	VERB
cblr-9988	8	11	consistent	consistent	ADJ
cblr-9988	8	12	access	access	NOUN
cblr-9988	8	13	to	to	ADP
cblr-9988	8	14	credit	credit	NOUN
cblr-9988	8	15	.	.	PUNCT
cblr-9988	9	1	i.	i.	PROPN
cblr-9988	9	2	introduction	introduction	NOUN
cblr-9988	9	3	.....................................................................	.....................................................................	PUNCT
cblr-9988	9	4	623	623	NUM
cblr-9988	9	5	ii	ii	NOUN
cblr-9988	9	6	.	.	PUNCT
cblr-9988	10	1	challenges	challenge	NOUN
cblr-9988	10	2	for	for	ADP
cblr-9988	10	3	minority	minority	NOUN
cblr-9988	10	4	business	business	NOUN
cblr-9988	10	5	owners	owner	NOUN
cblr-9988	10	6	in	in	ADP
cblr-9988	10	7	accessing	access	VERB
cblr-9988	10	8	affordable	affordable	ADJ
cblr-9988	10	9	credit	credit	NOUN
cblr-9988	10	10	...........................................................	...........................................................	PUNCT
cblr-9988	11	1	624	624	NUM
cblr-9988	11	2	*	*	PUNCT
cblr-9988	11	3	j.d	j.d	PROPN
cblr-9988	11	4	.	.	PROPN
cblr-9988	11	5	candidate	candidate	NOUN
cblr-9988	11	6	2022	2022	NUM
cblr-9988	11	7	,	,	PUNCT
cblr-9988	11	8	columbia	columbia	PROPN
cblr-9988	11	9	law	law	PROPN
cblr-9988	11	10	school	school	NOUN
cblr-9988	11	11	;	;	PUNCT
cblr-9988	11	12	b.a	b.a	PROPN
cblr-9988	11	13	.	.	PROPN
cblr-9988	11	14	2018	2018	NUM
cblr-9988	11	15	,	,	PUNCT
cblr-9988	11	16	mcgill	mcgill	PROPN
cblr-9988	11	17	university	university	PROPN
cblr-9988	11	18	.	.	PUNCT
cblr-9988	12	1	i	i	PRON
cblr-9988	12	2	would	would	AUX
cblr-9988	12	3	like	like	VERB
cblr-9988	12	4	to	to	PART
cblr-9988	12	5	thank	thank	VERB
cblr-9988	12	6	professor	professor	PROPN
cblr-9988	12	7	kathryn	kathryn	PROPN
cblr-9988	12	8	judge	judge	PROPN
cblr-9988	12	9	for	for	ADP
cblr-9988	12	10	her	her	PRON
cblr-9988	12	11	guidance	guidance	NOUN
cblr-9988	12	12	on	on	ADP
cblr-9988	12	13	this	this	DET
cblr-9988	12	14	topic	topic	NOUN
cblr-9988	12	15	,	,	PUNCT
cblr-9988	12	16	and	and	CCONJ
cblr-9988	12	17	the	the	DET
cblr-9988	12	18	staff	staff	NOUN
cblr-9988	12	19	of	of	ADP
cblr-9988	12	20	the	the	DET
cblr-9988	12	21	columbia	columbia	PROPN
cblr-9988	12	22	business	business	PROPN
cblr-9988	12	23	law	law	PROPN
cblr-9988	12	24	review	review	NOUN
cblr-9988	12	25	for	for	ADP
cblr-9988	12	26	their	their	PRON
cblr-9988	12	27	assistance	assistance	NOUN
cblr-9988	12	28	in	in	ADP
cblr-9988	12	29	preparing	prepare	VERB
cblr-9988	12	30	this	this	DET
cblr-9988	12	31	note	note	NOUN
cblr-9988	12	32	for	for	ADP
cblr-9988	12	33	publication	publication	NOUN
cblr-9988	12	34	.	.	PUNCT
cblr-9988	13	1	622	622	NUM
cblr-9988	13	2	columbia	columbia	PROPN
cblr-9988	13	3	business	business	NOUN
cblr-9988	13	4	law	law	NOUN
cblr-9988	13	5	review	review	NOUN
cblr-9988	13	6	[	[	X
cblr-9988	13	7	vol	vol	NOUN
cblr-9988	13	8	.	.	PUNCT
cblr-9988	13	9	2022	2022	NUM
cblr-9988	13	10	a.	a.	NOUN
cblr-9988	13	11	banks	bank	NOUN
cblr-9988	13	12	today	today	NOUN
cblr-9988	13	13	tend	tend	VERB
cblr-9988	13	14	to	to	PART
cblr-9988	13	15	focus	focus	VERB
cblr-9988	13	16	on	on	ADP
cblr-9988	13	17	higher	high	ADJ
cblr-9988	13	18	-	-	PUNCT
cblr-9988	13	19	profit	profit	NOUN
cblr-9988	13	20	loans	loan	NOUN
cblr-9988	13	21	and	and	CCONJ
cblr-9988	13	22	use	use	VERB
cblr-9988	13	23	standardized	standardized	ADJ
cblr-9988	13	24	underwriting	underwriting	NOUN
cblr-9988	13	25	criteria	criterion	NOUN
cblr-9988	13	26	.....	.....	PUNCT
cblr-9988	13	27	625	625	NUM
cblr-9988	13	28	b.	b.	NOUN
cblr-9988	13	29	minority	minority	NOUN
cblr-9988	13	30	entrepreneurs	entrepreneur	NOUN
cblr-9988	13	31	face	face	VERB
cblr-9988	13	32	additional	additional	ADJ
cblr-9988	13	33	barriers	barrier	NOUN
cblr-9988	13	34	in	in	ADP
cblr-9988	13	35	obtaining	obtain	VERB
cblr-9988	13	36	loans	loan	NOUN
cblr-9988	13	37	...................................................	...................................................	PUNCT
cblr-9988	13	38	628	628	NUM
cblr-9988	13	39	1	1	NUM
cblr-9988	13	40	.	.	PUNCT
cblr-9988	14	1	minority	minority	NOUN
cblr-9988	14	2	entrepreneurs	entrepreneur	NOUN
cblr-9988	14	3	often	often	ADV
cblr-9988	14	4	have	have	VERB
cblr-9988	14	5	lower	low	ADJ
cblr-9988	14	6	levels	level	NOUN
cblr-9988	14	7	of	of	ADP
cblr-9988	14	8	assets	asset	NOUN
cblr-9988	14	9	and	and	CCONJ
cblr-9988	14	10	wealth	wealth	NOUN
cblr-9988	14	11	,	,	PUNCT
cblr-9988	14	12	leading	lead	VERB
cblr-9988	14	13	to	to	ADP
cblr-9988	14	14	an	an	DET
cblr-9988	14	15	information	information	NOUN
cblr-9988	14	16	asymmetry	asymmetry	NOUN
cblr-9988	14	17	.................................	.................................	PUNCT
cblr-9988	15	1	629	629	NUM
cblr-9988	15	2	2	2	NUM
cblr-9988	15	3	.	.	PUNCT
cblr-9988	15	4	minority	minority	NOUN
cblr-9988	15	5	business	business	NOUN
cblr-9988	15	6	owners	owner	NOUN
cblr-9988	15	7	tend	tend	VERB
cblr-9988	15	8	to	to	PART
cblr-9988	15	9	suffer	suffer	VERB
cblr-9988	15	10	greater	great	ADJ
cblr-9988	15	11	economic	economic	ADJ
cblr-9988	15	12	losses	loss	NOUN
cblr-9988	15	13	during	during	ADP
cblr-9988	15	14	economic	economic	ADJ
cblr-9988	15	15	recessions	recession	NOUN
cblr-9988	15	16	.......................................................	.......................................................	PUNCT
cblr-9988	16	1	630	630	NUM
cblr-9988	16	2	3	3	X
cblr-9988	16	3	.	.	PUNCT
cblr-9988	16	4	reform	reform	NOUN
cblr-9988	16	5	efforts	effort	NOUN
cblr-9988	16	6	have	have	AUX
cblr-9988	16	7	had	have	VERB
cblr-9988	16	8	limited	limit	VERB
cblr-9988	16	9	effects	effect	NOUN
cblr-9988	16	10	on	on	ADP
cblr-9988	16	11	addressing	address	VERB
cblr-9988	16	12	the	the	DET
cblr-9988	16	13	gap	gap	NOUN
cblr-9988	16	14	in	in	ADP
cblr-9988	16	15	access	access	NOUN
cblr-9988	16	16	to	to	ADP
cblr-9988	16	17	credit	credit	NOUN
cblr-9988	16	18	for	for	ADP
cblr-9988	16	19	low	low	ADJ
cblr-9988	16	20	-	-	PUNCT
cblr-9988	16	21	income	income	NOUN
cblr-9988	16	22	minority	minority	NOUN
cblr-9988	16	23	borrowers	borrower	NOUN
cblr-9988	16	24	....................	....................	PUNCT
cblr-9988	17	1	634	634	NUM
cblr-9988	17	2	iii	iii	NOUN
cblr-9988	17	3	.	.	PUNCT
cblr-9988	17	4	online	online	PROPN
cblr-9988	17	5	lenders	lender	NOUN
cblr-9988	17	6	fill	fill	VERB
cblr-9988	17	7	a	a	DET
cblr-9988	17	8	gap	gap	NOUN
cblr-9988	17	9	in	in	ADP
cblr-9988	17	10	the	the	DET
cblr-9988	17	11	credit	credit	NOUN
cblr-9988	17	12	market	market	NOUN
cblr-9988	17	13	for	for	ADP
cblr-9988	17	14	small	small	ADJ
cblr-9988	17	15	business	business	NOUN
cblr-9988	17	16	loans	loan	NOUN
cblr-9988	17	17	..............................................................	..............................................................	PUNCT
cblr-9988	18	1	639	639	NUM
cblr-9988	18	2	a.	a.	NOUN
cblr-9988	18	3	business	business	NOUN
cblr-9988	18	4	models	model	NOUN
cblr-9988	18	5	of	of	ADP
cblr-9988	18	6	online	online	ADJ
cblr-9988	18	7	lenders	lender	NOUN
cblr-9988	18	8	.....................	.....................	PUNCT
cblr-9988	18	9	640	640	NUM
cblr-9988	18	10	1	1	NUM
cblr-9988	18	11	.	.	PUNCT
cblr-9988	19	1	online	online	ADJ
cblr-9988	19	2	lenders	lender	NOUN
cblr-9988	19	3	use	use	VERB
cblr-9988	19	4	their	their	PRON
cblr-9988	19	5	own	own	ADJ
cblr-9988	19	6	proprietary	proprietary	ADJ
cblr-9988	19	7	system	system	NOUN
cblr-9988	19	8	to	to	PART
cblr-9988	19	9	underwrite	underwrite	VERB
cblr-9988	19	10	loans	loan	NOUN
cblr-9988	19	11	.........................	.........................	PUNCT
cblr-9988	19	12	642	642	NUM
cblr-9988	19	13	2	2	NUM
cblr-9988	19	14	.	.	PUNCT
cblr-9988	20	1	online	online	ADJ
cblr-9988	20	2	lenders	lender	NOUN
cblr-9988	20	3	offer	offer	VERB
cblr-9988	20	4	high	high	ADJ
cblr-9988	20	5	interest	interest	NOUN
cblr-9988	20	6	rates	rate	NOUN
cblr-9988	20	7	to	to	PART
cblr-9988	20	8	mitigate	mitigate	VERB
cblr-9988	20	9	risk	risk	NOUN
cblr-9988	20	10	...................................................	...................................................	PUNCT
cblr-9988	20	11	644	644	NUM
cblr-9988	20	12	b.	b.	NOUN
cblr-9988	20	13	the	the	DET
cblr-9988	20	14	effects	effect	NOUN
cblr-9988	20	15	of	of	ADP
cblr-9988	20	16	online	online	ADJ
cblr-9988	20	17	lending	lending	NOUN
cblr-9988	20	18	on	on	ADP
cblr-9988	20	19	minority	minority	NOUN
cblr-9988	20	20	business	business	NOUN
cblr-9988	20	21	borrowing	borrowing	NOUN
cblr-9988	20	22	.............................................................	.............................................................	PUNCT
cblr-9988	21	1	645	645	NUM
cblr-9988	21	2	1	1	NUM
cblr-9988	21	3	.	.	PUNCT
cblr-9988	22	1	online	online	ADJ
cblr-9988	22	2	lenders	lender	NOUN
cblr-9988	22	3	offer	offer	VERB
cblr-9988	22	4	more	more	ADJ
cblr-9988	22	5	opportunities	opportunity	NOUN
cblr-9988	22	6	for	for	ADP
cblr-9988	22	7	small	small	ADJ
cblr-9988	22	8	business	business	NOUN
cblr-9988	22	9	owners	owner	NOUN
cblr-9988	22	10	to	to	PART
cblr-9988	22	11	obtain	obtain	VERB
cblr-9988	22	12	loans	loan	NOUN
cblr-9988	22	13	and	and	CCONJ
cblr-9988	22	14	access	access	NOUN
cblr-9988	22	15	government	government	NOUN
cblr-9988	22	16	programs	program	NOUN
cblr-9988	22	17	.................	.................	PUNCT
cblr-9988	23	1	646	646	NUM
cblr-9988	23	2	2	2	NUM
cblr-9988	23	3	.	.	PUNCT
cblr-9988	24	1	the	the	DET
cblr-9988	24	2	business	business	NOUN
cblr-9988	24	3	models	model	NOUN
cblr-9988	24	4	of	of	ADP
cblr-9988	24	5	online	online	ADJ
cblr-9988	24	6	lenders	lender	NOUN
cblr-9988	24	7	can	can	AUX
cblr-9988	24	8	be	be	AUX
cblr-9988	24	9	volatile	volatile	ADJ
cblr-9988	24	10	,	,	PUNCT
cblr-9988	24	11	providing	provide	VERB
cblr-9988	24	12	customers	customer	NOUN
cblr-9988	24	13	with	with	ADP
cblr-9988	24	14	less	less	ADJ
cblr-9988	24	15	stability	stability	NOUN
cblr-9988	24	16	...........................................................	...........................................................	PUNCT
cblr-9988	25	1	646	646	NUM
cblr-9988	25	2	3	3	NUM
cblr-9988	25	3	.	.	PUNCT
cblr-9988	26	1	some	some	DET
cblr-9988	26	2	platforms	platform	NOUN
cblr-9988	26	3	may	may	AUX
cblr-9988	26	4	impose	impose	VERB
cblr-9988	26	5	predatory	predatory	ADJ
cblr-9988	26	6	loan	loan	NOUN
cblr-9988	26	7	terms	term	NOUN
cblr-9988	26	8	.....................................................	.....................................................	PUNCT
cblr-9988	26	9	648	648	NUM
cblr-9988	26	10	iv	iv	NOUN
cblr-9988	26	11	.	.	PUNCT
cblr-9988	27	1	online	online	ADJ
cblr-9988	27	2	lenders	lender	NOUN
cblr-9988	27	3	could	could	AUX
cblr-9988	27	4	provide	provide	VERB
cblr-9988	27	5	more	more	ADV
cblr-9988	27	6	consistent	consistent	ADJ
cblr-9988	27	7	access	access	NOUN
cblr-9988	27	8	to	to	ADP
cblr-9988	27	9	credit	credit	NOUN
cblr-9988	27	10	if	if	SCONJ
cblr-9988	27	11	they	they	PRON
cblr-9988	27	12	are	be	AUX
cblr-9988	27	13	subjected	subject	VERB
cblr-9988	27	14	to	to	ADP
cblr-9988	27	15	capital	capital	NOUN
cblr-9988	27	16	and	and	CCONJ
cblr-9988	27	17	liquidity	liquidity	NOUN
cblr-9988	27	18	requirements	requirement	NOUN
cblr-9988	27	19	................................................................	................................................................	PUNCT
cblr-9988	27	20	650	650	NUM
cblr-9988	27	21	a.	a.	NOUN
cblr-9988	27	22	an	an	DET
cblr-9988	27	23	incentive	incentive	NOUN
cblr-9988	27	24	-	-	PUNCT
cblr-9988	27	25	based	base	VERB
cblr-9988	27	26	system	system	NOUN
cblr-9988	27	27	allows	allow	VERB
cblr-9988	27	28	online	online	ADJ
cblr-9988	27	29	lenders	lender	NOUN
cblr-9988	27	30	to	to	PART
cblr-9988	27	31	preserve	preserve	VERB
cblr-9988	27	32	their	their	PRON
cblr-9988	27	33	innovation	innovation	NOUN
cblr-9988	27	34	-	-	PUNCT
cblr-9988	27	35	based	base	VERB
cblr-9988	27	36	business	business	NOUN
cblr-9988	27	37	model	model	NOUN
cblr-9988	27	38	.....................................................................	.....................................................................	PUNCT
cblr-9988	27	39	650	650	NUM
cblr-9988	27	40	b.	b.	NOUN
cblr-9988	27	41	the	the	DET
cblr-9988	27	42	occ	occ	PROPN
cblr-9988	27	43	’s	’s	PART
cblr-9988	27	44	special	special	ADJ
cblr-9988	27	45	purpose	purpose	NOUN
cblr-9988	27	46	national	national	PROPN
cblr-9988	27	47	bank	bank	PROPN
cblr-9988	27	48	charter	charter	NOUN
cblr-9988	27	49	could	could	AUX
cblr-9988	27	50	bring	bring	VERB
cblr-9988	27	51	online	online	ADJ
cblr-9988	27	52	lenders	lender	NOUN
cblr-9988	27	53	under	under	ADP
cblr-9988	27	54	federal	federal	ADJ
cblr-9988	27	55	no	no	NOUN
cblr-9988	27	56	.	.	PUNCT
cblr-9988	28	1	1:621	1:621	NUM
cblr-9988	28	2	]	]	X
cblr-9988	28	3	expand	expand	VERB
cblr-9988	28	4	online	online	ADJ
cblr-9988	28	5	lending	lending	NOUN
cblr-9988	28	6	to	to	ADP
cblr-9988	28	7	minority	minority	NOUN
cblr-9988	28	8	business	business	NOUN
cblr-9988	28	9	owners	owner	NOUN
cblr-9988	28	10	623	623	NUM
cblr-9988	28	11	banking	banking	NOUN
cblr-9988	28	12	supervision	supervision	NOUN
cblr-9988	28	13	but	but	CCONJ
cblr-9988	28	14	does	do	AUX
cblr-9988	28	15	not	not	PART
cblr-9988	28	16	adequately	adequately	ADV
cblr-9988	28	17	address	address	VERB
cblr-9988	28	18	investment	investment	NOUN
cblr-9988	28	19	in	in	ADP
cblr-9988	28	20	minority	minority	NOUN
cblr-9988	28	21	communities	community	NOUN
cblr-9988	28	22	...	...	PUNCT
cblr-9988	29	1	652	652	NUM
cblr-9988	29	2	c.	c.	NOUN
cblr-9988	29	3	a	a	DET
cblr-9988	29	4	cdfi	cdfi	VERB
cblr-9988	29	5	-	-	PUNCT
cblr-9988	29	6	like	like	ADJ
cblr-9988	29	7	system	system	NOUN
cblr-9988	29	8	for	for	ADP
cblr-9988	29	9	incentivizing	incentivize	VERB
cblr-9988	29	10	online	online	ADJ
cblr-9988	29	11	lenders	lender	NOUN
cblr-9988	29	12	to	to	PART
cblr-9988	29	13	lend	lend	VERB
cblr-9988	29	14	to	to	ADP
cblr-9988	29	15	minority	minority	NOUN
cblr-9988	29	16	business	business	NOUN
cblr-9988	29	17	owners	owner	NOUN
cblr-9988	29	18	..	..	PUNCT
cblr-9988	29	19	655	655	NUM
cblr-9988	29	20	1	1	NUM
cblr-9988	29	21	.	.	PUNCT
cblr-9988	30	1	the	the	DET
cblr-9988	30	2	effectiveness	effectiveness	NOUN
cblr-9988	30	3	of	of	ADP
cblr-9988	30	4	cdfis	cdfis	NOUN
cblr-9988	30	5	in	in	ADP
cblr-9988	30	6	increasing	increase	VERB
cblr-9988	30	7	access	access	NOUN
cblr-9988	30	8	to	to	ADP
cblr-9988	30	9	credit	credit	NOUN
cblr-9988	30	10	can	can	AUX
cblr-9988	30	11	be	be	AUX
cblr-9988	30	12	attributed	attribute	VERB
cblr-9988	30	13	to	to	ADP
cblr-9988	30	14	the	the	DET
cblr-9988	30	15	certification	certification	NOUN
cblr-9988	30	16	process	process	NOUN
cblr-9988	30	17	and	and	CCONJ
cblr-9988	30	18	subsidy	subsidy	NOUN
cblr-9988	30	19	lock	lock	NOUN
cblr-9988	30	20	mechanism	mechanism	NOUN
cblr-9988	30	21	......................................................	......................................................	PUNCT
cblr-9988	31	1	658	658	NUM
cblr-9988	31	2	2	2	NUM
cblr-9988	31	3	.	.	PUNCT
cblr-9988	32	1	a	a	DET
cblr-9988	32	2	modified	modify	VERB
cblr-9988	32	3	cdfi	cdfi	ADJ
cblr-9988	32	4	certification	certification	NOUN
cblr-9988	32	5	process	process	NOUN
cblr-9988	32	6	that	that	PRON
cblr-9988	32	7	targets	target	VERB
cblr-9988	32	8	low	low	ADJ
cblr-9988	32	9	-	-	PUNCT
cblr-9988	32	10	income	income	NOUN
cblr-9988	32	11	communities	community	NOUN
cblr-9988	32	12	and	and	CCONJ
cblr-9988	32	13	certain	certain	ADJ
cblr-9988	32	14	small	small	ADJ
cblr-9988	32	15	businesses	business	NOUN
cblr-9988	32	16	...............................	...............................	PUNCT
cblr-9988	33	1	658	658	NUM
cblr-9988	33	2	3	3	NUM
cblr-9988	33	3	.	.	PUNCT
cblr-9988	34	1	the	the	DET
cblr-9988	34	2	subsidy	subsidy	NOUN
cblr-9988	34	3	lock	lock	NOUN
cblr-9988	34	4	mechanism	mechanism	NOUN
cblr-9988	34	5	can	can	AUX
cblr-9988	34	6	be	be	AUX
cblr-9988	34	7	used	use	VERB
cblr-9988	34	8	to	to	PART
cblr-9988	34	9	require	require	VERB
cblr-9988	34	10	online	online	ADJ
cblr-9988	34	11	lenders	lender	NOUN
cblr-9988	34	12	to	to	PART
cblr-9988	34	13	maintain	maintain	VERB
cblr-9988	34	14	capital	capital	NOUN
cblr-9988	34	15	and	and	CCONJ
cblr-9988	34	16	liquidity	liquidity	NOUN
cblr-9988	34	17	requirements	requirement	NOUN
cblr-9988	34	18	in	in	ADP
cblr-9988	34	19	exchange	exchange	NOUN
cblr-9988	34	20	for	for	ADP
cblr-9988	34	21	federal	federal	ADJ
cblr-9988	34	22	grants	grant	NOUN
cblr-9988	34	23	.........................	.........................	PUNCT
cblr-9988	35	1	660	660	NUM
cblr-9988	35	2	v.	v.	ADP
cblr-9988	35	3	conclusion	conclusion	NOUN
cblr-9988	35	4	.......................................................................	.......................................................................	PUNCT
cblr-9988	35	5	663	663	NUM
cblr-9988	35	6	i.	i.	NOUN
cblr-9988	35	7	introduction	introduction	NOUN
cblr-9988	35	8	minority	minority	NOUN
cblr-9988	35	9	business	business	NOUN
cblr-9988	35	10	owners	owner	NOUN
cblr-9988	35	11	are	be	AUX
cblr-9988	35	12	less	less	ADV
cblr-9988	35	13	likely	likely	ADJ
cblr-9988	35	14	to	to	PART
cblr-9988	35	15	be	be	AUX
cblr-9988	35	16	approved	approve	VERB
cblr-9988	35	17	for	for	ADP
cblr-9988	35	18	or	or	CCONJ
cblr-9988	35	19	even	even	ADV
cblr-9988	35	20	apply	apply	VERB
cblr-9988	35	21	for	for	ADP
cblr-9988	35	22	a	a	DET
cblr-9988	35	23	loan	loan	NOUN
cblr-9988	35	24	from	from	ADP
cblr-9988	35	25	a	a	DET
cblr-9988	35	26	large	large	ADJ
cblr-9988	35	27	bank	bank	NOUN
cblr-9988	35	28	.	.	PUNCT
cblr-9988	36	1	many	many	ADJ
cblr-9988	36	2	are	be	AUX
cblr-9988	36	3	considered	consider	VERB
cblr-9988	36	4	risky	risky	ADJ
cblr-9988	36	5	to	to	PART
cblr-9988	36	6	lend	lend	VERB
cblr-9988	36	7	to	to	ADP
cblr-9988	36	8	because	because	SCONJ
cblr-9988	36	9	they	they	PRON
cblr-9988	36	10	have	have	VERB
cblr-9988	36	11	less	less	ADJ
cblr-9988	36	12	credit	credit	NOUN
cblr-9988	36	13	information	information	NOUN
cblr-9988	36	14	and	and	CCONJ
cblr-9988	36	15	operate	operate	VERB
cblr-9988	36	16	in	in	ADP
cblr-9988	36	17	communities	community	NOUN
cblr-9988	36	18	that	that	PRON
cblr-9988	36	19	are	be	AUX
cblr-9988	36	20	heavily	heavily	ADV
cblr-9988	36	21	impacted	impact	VERB
cblr-9988	36	22	by	by	ADP
cblr-9988	36	23	economic	economic	ADJ
cblr-9988	36	24	downturns	downturn	NOUN
cblr-9988	36	25	.	.	PUNCT
cblr-9988	37	1	in	in	ADP
cblr-9988	37	2	the	the	DET
cblr-9988	37	3	last	last	ADJ
cblr-9988	37	4	few	few	ADJ
cblr-9988	37	5	decades	decade	NOUN
cblr-9988	37	6	,	,	PUNCT
cblr-9988	37	7	as	as	SCONJ
cblr-9988	37	8	banks	bank	NOUN
cblr-9988	37	9	have	have	AUX
cblr-9988	37	10	focused	focus	VERB
cblr-9988	37	11	their	their	PRON
cblr-9988	37	12	businesses	business	NOUN
cblr-9988	37	13	toward	toward	ADP
cblr-9988	37	14	making	make	VERB
cblr-9988	37	15	large	large	ADJ
cblr-9988	37	16	,	,	PUNCT
cblr-9988	37	17	higher	high	ADJ
cblr-9988	37	18	-	-	PUNCT
cblr-9988	37	19	profit	profit	NOUN
cblr-9988	37	20	loans	loan	NOUN
cblr-9988	37	21	,	,	PUNCT
cblr-9988	37	22	a	a	DET
cblr-9988	37	23	gap	gap	NOUN
cblr-9988	37	24	in	in	ADP
cblr-9988	37	25	the	the	DET
cblr-9988	37	26	market	market	NOUN
cblr-9988	37	27	for	for	ADP
cblr-9988	37	28	small	small	ADJ
cblr-9988	37	29	-	-	PUNCT
cblr-9988	37	30	dollar	dollar	NOUN
cblr-9988	37	31	loans	loan	NOUN
cblr-9988	37	32	has	have	AUX
cblr-9988	37	33	emerged	emerge	VERB
cblr-9988	37	34	—	—	PUNCT
cblr-9988	37	35	the	the	DET
cblr-9988	37	36	type	type	NOUN
cblr-9988	37	37	of	of	ADP
cblr-9988	37	38	loans	loan	NOUN
cblr-9988	37	39	that	that	PRON
cblr-9988	37	40	small	small	ADJ
cblr-9988	37	41	businesses	business	NOUN
cblr-9988	37	42	usually	usually	ADV
cblr-9988	37	43	seek	seek	VERB
cblr-9988	37	44	.	.	PUNCT
cblr-9988	38	1	online	online	ADJ
cblr-9988	38	2	lenders	lender	NOUN
cblr-9988	38	3	have	have	AUX
cblr-9988	38	4	emerged	emerge	VERB
cblr-9988	38	5	to	to	PART
cblr-9988	38	6	meet	meet	VERB
cblr-9988	38	7	this	this	DET
cblr-9988	38	8	market	market	NOUN
cblr-9988	38	9	demand	demand	NOUN
cblr-9988	38	10	.	.	PUNCT
cblr-9988	39	1	while	while	SCONJ
cblr-9988	39	2	large	large	ADJ
cblr-9988	39	3	banks	bank	NOUN
cblr-9988	39	4	often	often	ADV
cblr-9988	39	5	rely	rely	VERB
cblr-9988	39	6	on	on	ADP
cblr-9988	39	7	traditional	traditional	ADJ
cblr-9988	39	8	measures	measure	NOUN
cblr-9988	39	9	of	of	ADP
cblr-9988	39	10	credit	credit	NOUN
cblr-9988	39	11	,	,	PUNCT
cblr-9988	39	12	online	online	ADJ
cblr-9988	39	13	lenders	lender	NOUN
cblr-9988	39	14	use	use	VERB
cblr-9988	39	15	various	various	ADJ
cblr-9988	39	16	sources	source	NOUN
cblr-9988	39	17	of	of	ADP
cblr-9988	39	18	data	datum	NOUN
cblr-9988	39	19	to	to	PART
cblr-9988	39	20	assess	assess	VERB
cblr-9988	39	21	creditworthiness	creditworthiness	NOUN
cblr-9988	39	22	,	,	PUNCT
cblr-9988	39	23	helping	help	VERB
cblr-9988	39	24	facilitate	facilitate	VERB
cblr-9988	39	25	loans	loan	NOUN
cblr-9988	39	26	where	where	SCONJ
cblr-9988	39	27	there	there	PRON
cblr-9988	39	28	is	be	VERB
cblr-9988	39	29	information	information	NOUN
cblr-9988	39	30	asymmetry	asymmetry	NOUN
cblr-9988	39	31	.	.	PUNCT
cblr-9988	40	1	however	however	ADV
cblr-9988	40	2	,	,	PUNCT
cblr-9988	40	3	owing	owe	VERB
cblr-9988	40	4	to	to	ADP
cblr-9988	40	5	their	their	PRON
cblr-9988	40	6	business	business	NOUN
cblr-9988	40	7	model	model	NOUN
cblr-9988	40	8	,	,	PUNCT
cblr-9988	40	9	online	online	ADJ
cblr-9988	40	10	lenders	lender	NOUN
cblr-9988	40	11	may	may	AUX
cblr-9988	40	12	suffer	suffer	VERB
cblr-9988	40	13	liquidity	liquidity	NOUN
cblr-9988	40	14	problems	problem	NOUN
cblr-9988	40	15	during	during	ADP
cblr-9988	40	16	an	an	DET
cblr-9988	40	17	economic	economic	ADJ
cblr-9988	40	18	recession	recession	NOUN
cblr-9988	40	19	,	,	PUNCT
cblr-9988	40	20	potentially	potentially	ADV
cblr-9988	40	21	leaving	leave	VERB
cblr-9988	40	22	their	their	PRON
cblr-9988	40	23	borrowers	borrower	NOUN
cblr-9988	40	24	without	without	ADP
cblr-9988	40	25	a	a	DET
cblr-9988	40	26	consistent	consistent	ADJ
cblr-9988	40	27	source	source	NOUN
cblr-9988	40	28	of	of	ADP
cblr-9988	40	29	credit	credit	NOUN
cblr-9988	40	30	.	.	PUNCT
cblr-9988	41	1	imposing	impose	VERB
cblr-9988	41	2	capital	capital	NOUN
cblr-9988	41	3	and	and	CCONJ
cblr-9988	41	4	liquidity	liquidity	NOUN
cblr-9988	41	5	requirements	requirement	NOUN
cblr-9988	41	6	could	could	AUX
cblr-9988	41	7	help	help	VERB
cblr-9988	41	8	ensure	ensure	VERB
cblr-9988	41	9	that	that	SCONJ
cblr-9988	41	10	online	online	ADJ
cblr-9988	41	11	lenders	lender	NOUN
cblr-9988	41	12	have	have	VERB
cblr-9988	41	13	the	the	DET
cblr-9988	41	14	capital	capital	NOUN
cblr-9988	41	15	reserves	reserve	NOUN
cblr-9988	41	16	to	to	PART
cblr-9988	41	17	stay	stay	VERB
cblr-9988	41	18	afloat	afloat	ADV
cblr-9988	41	19	during	during	ADP
cblr-9988	41	20	a	a	DET
cblr-9988	41	21	recession	recession	NOUN
cblr-9988	41	22	;	;	PUNCT
cblr-9988	41	23	however	however	ADV
cblr-9988	41	24	,	,	PUNCT
cblr-9988	41	25	a	a	DET
cblr-9988	41	26	balance	balance	NOUN
cblr-9988	41	27	should	should	AUX
cblr-9988	41	28	be	be	AUX
cblr-9988	41	29	624	624	NUM
cblr-9988	41	30	columbia	columbia	PROPN
cblr-9988	41	31	business	business	NOUN
cblr-9988	41	32	law	law	NOUN
cblr-9988	41	33	review	review	NOUN
cblr-9988	41	34	[	[	X
cblr-9988	41	35	vol	vol	NOUN
cblr-9988	41	36	.	.	PUNCT
cblr-9988	41	37	2022	2022	NUM
cblr-9988	41	38	maintained	maintain	VERB
cblr-9988	41	39	between	between	ADP
cblr-9988	41	40	regulation	regulation	NOUN
cblr-9988	41	41	and	and	CCONJ
cblr-9988	41	42	allowing	allow	VERB
cblr-9988	41	43	online	online	ADJ
cblr-9988	41	44	lenders	lender	NOUN
cblr-9988	41	45	to	to	PART
cblr-9988	41	46	maintain	maintain	VERB
cblr-9988	41	47	their	their	PRON
cblr-9988	41	48	dynamic	dynamic	ADJ
cblr-9988	41	49	business	business	NOUN
cblr-9988	41	50	model	model	NOUN
cblr-9988	41	51	.	.	PUNCT
cblr-9988	42	1	this	this	DET
cblr-9988	42	2	note	note	NOUN
cblr-9988	42	3	focuses	focus	VERB
cblr-9988	42	4	on	on	ADP
cblr-9988	42	5	online	online	ADJ
cblr-9988	42	6	lenders	lender	NOUN
cblr-9988	42	7	that	that	PRON
cblr-9988	42	8	provide	provide	VERB
cblr-9988	42	9	small	small	ADJ
cblr-9988	42	10	business	business	NOUN
cblr-9988	42	11	loans	loan	NOUN
cblr-9988	42	12	.	.	PUNCT
cblr-9988	43	1	it	it	PRON
cblr-9988	43	2	examines	examine	VERB
cblr-9988	43	3	how	how	SCONJ
cblr-9988	43	4	online	online	ADJ
cblr-9988	43	5	lending	lending	NOUN
cblr-9988	43	6	affects	affect	VERB
cblr-9988	43	7	minority	minority	NOUN
cblr-9988	43	8	entrepreneurs	entrepreneur	NOUN
cblr-9988	43	9	,	,	PUNCT
cblr-9988	43	10	who	who	PRON
cblr-9988	43	11	often	often	ADV
cblr-9988	43	12	face	face	VERB
cblr-9988	43	13	additional	additional	ADJ
cblr-9988	43	14	challenges	challenge	NOUN
cblr-9988	43	15	stemming	stem	VERB
cblr-9988	43	16	from	from	ADP
cblr-9988	43	17	lower	low	ADJ
cblr-9988	43	18	wealth	wealth	NOUN
cblr-9988	43	19	and	and	CCONJ
cblr-9988	43	20	financial	financial	ADJ
cblr-9988	43	21	instability	instability	NOUN
cblr-9988	43	22	in	in	ADP
cblr-9988	43	23	their	their	PRON
cblr-9988	43	24	communities	community	NOUN
cblr-9988	43	25	—	—	PUNCT
cblr-9988	43	26	the	the	DET
cblr-9988	43	27	result	result	NOUN
cblr-9988	43	28	of	of	ADP
cblr-9988	43	29	historical	historical	ADJ
cblr-9988	43	30	discrimination	discrimination	NOUN
cblr-9988	43	31	that	that	SCONJ
cblr-9988	43	32	credit	credit	NOUN
cblr-9988	43	33	and	and	CCONJ
cblr-9988	43	34	banking	banking	NOUN
cblr-9988	43	35	reforms	reform	NOUN
cblr-9988	43	36	have	have	AUX
cblr-9988	43	37	thus	thus	ADV
cblr-9988	43	38	far	far	ADV
cblr-9988	43	39	failed	fail	VERB
cblr-9988	43	40	to	to	PART
cblr-9988	43	41	adequately	adequately	ADV
cblr-9988	43	42	remedy	remedy	VERB
cblr-9988	43	43	.	.	PUNCT
cblr-9988	44	1	this	this	DET
cblr-9988	44	2	note	note	NOUN
cblr-9988	44	3	argues	argue	VERB
cblr-9988	44	4	that	that	SCONJ
cblr-9988	44	5	online	online	ADJ
cblr-9988	44	6	lenders	lender	NOUN
cblr-9988	44	7	have	have	VERB
cblr-9988	44	8	the	the	DET
cblr-9988	44	9	potential	potential	NOUN
cblr-9988	44	10	to	to	PART
cblr-9988	44	11	facilitate	facilitate	VERB
cblr-9988	44	12	lending	lending	NOUN
cblr-9988	44	13	at	at	ADP
cblr-9988	44	14	fairer	fair	ADJ
cblr-9988	44	15	interest	interest	NOUN
cblr-9988	44	16	rates	rate	NOUN
cblr-9988	44	17	where	where	SCONJ
cblr-9988	44	18	there	there	PRON
cblr-9988	44	19	is	be	VERB
cblr-9988	44	20	information	information	NOUN
cblr-9988	44	21	asymmetry	asymmetry	NOUN
cblr-9988	44	22	,	,	PUNCT
cblr-9988	44	23	which	which	PRON
cblr-9988	44	24	would	would	AUX
cblr-9988	44	25	help	help	VERB
cblr-9988	44	26	minority	minority	NOUN
cblr-9988	44	27	business	business	NOUN
cblr-9988	44	28	owners	owner	NOUN
cblr-9988	44	29	access	access	NOUN
cblr-9988	44	30	credit	credit	NOUN
cblr-9988	44	31	.	.	PUNCT
cblr-9988	45	1	however	however	ADV
cblr-9988	45	2	,	,	PUNCT
cblr-9988	45	3	these	these	DET
cblr-9988	45	4	forms	form	NOUN
cblr-9988	45	5	of	of	ADP
cblr-9988	45	6	credit	credit	NOUN
cblr-9988	45	7	may	may	AUX
cblr-9988	45	8	disappear	disappear	VERB
cblr-9988	45	9	during	during	ADP
cblr-9988	45	10	a	a	DET
cblr-9988	45	11	recession	recession	NOUN
cblr-9988	45	12	when	when	SCONJ
cblr-9988	45	13	business	business	NOUN
cblr-9988	45	14	owners	owner	NOUN
cblr-9988	45	15	most	most	ADV
cblr-9988	45	16	need	need	VERB
cblr-9988	45	17	funding	funding	NOUN
cblr-9988	45	18	.	.	PUNCT
cblr-9988	46	1	part	part	PROPN
cblr-9988	46	2	ii	ii	PROPN
cblr-9988	46	3	describes	describe	VERB
cblr-9988	46	4	the	the	DET
cblr-9988	46	5	lending	lending	NOUN
cblr-9988	46	6	landscape	landscape	NOUN
cblr-9988	46	7	today	today	NOUN
cblr-9988	46	8	and	and	CCONJ
cblr-9988	46	9	the	the	DET
cblr-9988	46	10	limited	limited	ADJ
cblr-9988	46	11	borrowing	borrowing	NOUN
cblr-9988	46	12	opportunities	opportunity	NOUN
cblr-9988	46	13	for	for	ADP
cblr-9988	46	14	minority	minority	NOUN
cblr-9988	46	15	business	business	NOUN
cblr-9988	46	16	owners	owner	NOUN
cblr-9988	46	17	,	,	PUNCT
cblr-9988	46	18	who	who	PRON
cblr-9988	46	19	often	often	ADV
cblr-9988	46	20	have	have	VERB
cblr-9988	46	21	lower	low	ADJ
cblr-9988	46	22	levels	level	NOUN
cblr-9988	46	23	of	of	ADP
cblr-9988	46	24	assets	asset	NOUN
cblr-9988	46	25	and	and	CCONJ
cblr-9988	46	26	wealth	wealth	NOUN
cblr-9988	46	27	.	.	PUNCT
cblr-9988	47	1	part	part	NOUN
cblr-9988	47	2	iii	iii	NOUN
cblr-9988	47	3	explains	explain	VERB
cblr-9988	47	4	how	how	SCONJ
cblr-9988	47	5	online	online	ADJ
cblr-9988	47	6	lenders	lender	NOUN
cblr-9988	47	7	fill	fill	VERB
cblr-9988	47	8	a	a	DET
cblr-9988	47	9	gap	gap	NOUN
cblr-9988	47	10	in	in	ADP
cblr-9988	47	11	the	the	DET
cblr-9988	47	12	credit	credit	NOUN
cblr-9988	47	13	market	market	NOUN
cblr-9988	47	14	for	for	ADP
cblr-9988	47	15	small	small	ADJ
cblr-9988	47	16	business	business	NOUN
cblr-9988	47	17	loans	loan	NOUN
cblr-9988	47	18	by	by	ADP
cblr-9988	47	19	escaping	escape	VERB
cblr-9988	47	20	the	the	DET
cblr-9988	47	21	stricter	strict	ADJ
cblr-9988	47	22	requirements	requirement	NOUN
cblr-9988	47	23	of	of	ADP
cblr-9988	47	24	bank	bank	NOUN
cblr-9988	47	25	regulation	regulation	NOUN
cblr-9988	47	26	.	.	PUNCT
cblr-9988	48	1	part	part	NOUN
cblr-9988	48	2	iv	iv	NUM
cblr-9988	48	3	advocates	advocate	NOUN
cblr-9988	48	4	for	for	ADP
cblr-9988	48	5	programs	program	NOUN
cblr-9988	48	6	that	that	PRON
cblr-9988	48	7	incentivize	incentivize	VERB
cblr-9988	48	8	online	online	ADJ
cblr-9988	48	9	lenders	lender	NOUN
cblr-9988	48	10	to	to	PART
cblr-9988	48	11	invest	invest	VERB
cblr-9988	48	12	in	in	ADP
cblr-9988	48	13	low	low	ADJ
cblr-9988	48	14	-	-	PUNCT
cblr-9988	48	15	income	income	NOUN
cblr-9988	48	16	and	and	CCONJ
cblr-9988	48	17	minority	minority	NOUN
cblr-9988	48	18	communities	community	NOUN
cblr-9988	48	19	.	.	PUNCT
cblr-9988	49	1	specifically	specifically	ADV
cblr-9988	49	2	,	,	PUNCT
cblr-9988	49	3	part	part	NOUN
cblr-9988	49	4	iv	iv	NUM
cblr-9988	49	5	outlines	outline	VERB
cblr-9988	49	6	a	a	DET
cblr-9988	49	7	proposal	proposal	NOUN
cblr-9988	49	8	for	for	ADP
cblr-9988	49	9	a	a	DET
cblr-9988	49	10	subsidy	subsidy	NOUN
cblr-9988	49	11	similar	similar	ADJ
cblr-9988	49	12	to	to	ADP
cblr-9988	49	13	that	that	PRON
cblr-9988	49	14	of	of	ADP
cblr-9988	49	15	community	community	NOUN
cblr-9988	49	16	development	development	NOUN
cblr-9988	49	17	financial	financial	ADJ
cblr-9988	49	18	institutions	institution	NOUN
cblr-9988	49	19	(	(	PUNCT
cblr-9988	49	20	cdfis	cdfis	NOUN
cblr-9988	49	21	)	)	PUNCT
cblr-9988	49	22	that	that	PRON
cblr-9988	49	23	would	would	AUX
cblr-9988	49	24	offer	offer	VERB
cblr-9988	49	25	federal	federal	ADJ
cblr-9988	49	26	grants	grant	NOUN
cblr-9988	49	27	to	to	ADP
cblr-9988	49	28	online	online	ADJ
cblr-9988	49	29	lenders	lender	NOUN
cblr-9988	49	30	that	that	PRON
cblr-9988	49	31	invest	invest	VERB
cblr-9988	49	32	in	in	ADP
cblr-9988	49	33	certain	certain	ADJ
cblr-9988	49	34	lowincome	lowincome	NOUN
cblr-9988	49	35	communities	community	NOUN
cblr-9988	49	36	and	and	CCONJ
cblr-9988	49	37	businesses	business	NOUN
cblr-9988	49	38	,	,	PUNCT
cblr-9988	49	39	upon	upon	SCONJ
cblr-9988	49	40	the	the	DET
cblr-9988	49	41	condition	condition	NOUN
cblr-9988	49	42	that	that	SCONJ
cblr-9988	49	43	these	these	DET
cblr-9988	49	44	lenders	lender	NOUN
cblr-9988	49	45	maintain	maintain	VERB
cblr-9988	49	46	enough	enough	ADJ
cblr-9988	49	47	capital	capital	NOUN
cblr-9988	49	48	reserves	reserve	NOUN
cblr-9988	49	49	to	to	PART
cblr-9988	49	50	ensure	ensure	VERB
cblr-9988	49	51	they	they	PRON
cblr-9988	49	52	can	can	AUX
cblr-9988	49	53	continue	continue	VERB
cblr-9988	49	54	providing	provide	VERB
cblr-9988	49	55	credit	credit	NOUN
cblr-9988	49	56	during	during	ADP
cblr-9988	49	57	a	a	DET
cblr-9988	49	58	recession	recession	NOUN
cblr-9988	49	59	.	.	PUNCT
cblr-9988	50	1	ii	ii	PROPN
cblr-9988	50	2	.	.	PUNCT
cblr-9988	51	1	challenges	challenge	NOUN
cblr-9988	51	2	for	for	ADP
cblr-9988	51	3	minority	minority	NOUN
cblr-9988	51	4	business	business	NOUN
cblr-9988	51	5	owners	owner	NOUN
cblr-9988	51	6	in	in	ADP
cblr-9988	51	7	accessing	access	VERB
cblr-9988	51	8	affordable	affordable	ADJ
cblr-9988	51	9	credit	credit	NOUN
cblr-9988	51	10	this	this	DET
cblr-9988	51	11	part	part	NOUN
cblr-9988	51	12	outlines	outline	VERB
cblr-9988	51	13	the	the	DET
cblr-9988	51	14	change	change	NOUN
cblr-9988	51	15	in	in	ADP
cblr-9988	51	16	banks	bank	NOUN
cblr-9988	51	17	’	'	PUNCT
cblr-9988	51	18	business	business	NOUN
cblr-9988	51	19	models	model	NOUN
cblr-9988	51	20	that	that	PRON
cblr-9988	51	21	has	have	AUX
cblr-9988	51	22	led	lead	VERB
cblr-9988	51	23	to	to	ADP
cblr-9988	51	24	a	a	DET
cblr-9988	51	25	decline	decline	NOUN
cblr-9988	51	26	in	in	ADP
cblr-9988	51	27	small	small	ADJ
cblr-9988	51	28	-	-	PUNCT
cblr-9988	51	29	dollar	dollar	NOUN
cblr-9988	51	30	lending	lending	NOUN
cblr-9988	51	31	.	.	PUNCT
cblr-9988	52	1	in	in	ADP
cblr-9988	52	2	addition	addition	NOUN
cblr-9988	52	3	,	,	PUNCT
cblr-9988	52	4	this	this	DET
cblr-9988	52	5	part	part	NOUN
cblr-9988	52	6	describes	describe	VERB
cblr-9988	52	7	the	the	DET
cblr-9988	52	8	additional	additional	ADJ
cblr-9988	52	9	barriers	barrier	NOUN
cblr-9988	52	10	minority	minority	NOUN
cblr-9988	52	11	business	business	NOUN
cblr-9988	52	12	owners	owner	NOUN
cblr-9988	52	13	face	face	VERB
cblr-9988	52	14	in	in	ADP
cblr-9988	52	15	accessing	access	VERB
cblr-9988	52	16	credit	credit	NOUN
cblr-9988	52	17	and	and	CCONJ
cblr-9988	52	18	the	the	DET
cblr-9988	52	19	impact	impact	NOUN
cblr-9988	52	20	this	this	DET
cblr-9988	52	21	lack	lack	NOUN
cblr-9988	52	22	of	of	ADP
cblr-9988	52	23	access	access	NOUN
cblr-9988	52	24	to	to	ADP
cblr-9988	52	25	credit	credit	NOUN
cblr-9988	52	26	has	have	AUX
cblr-9988	52	27	had	have	VERB
cblr-9988	52	28	on	on	ADP
cblr-9988	52	29	their	their	PRON
cblr-9988	52	30	communities	community	NOUN
cblr-9988	52	31	.	.	PUNCT
cblr-9988	53	1	section	section	NOUN
cblr-9988	53	2	a	a	DET
cblr-9988	53	3	describes	describe	NOUN
cblr-9988	53	4	banks	bank	NOUN
cblr-9988	53	5	’	’	PART
cblr-9988	53	6	business	business	NOUN
cblr-9988	53	7	model	model	NOUN
cblr-9988	53	8	today	today	NOUN
cblr-9988	53	9	,	,	PUNCT
cblr-9988	53	10	which	which	PRON
cblr-9988	53	11	prioritizes	prioritize	VERB
cblr-9988	53	12	large	large	ADJ
cblr-9988	53	13	-	-	PUNCT
cblr-9988	53	14	dollar	dollar	NOUN
cblr-9988	53	15	loans	loan	NOUN
cblr-9988	53	16	and	and	CCONJ
cblr-9988	53	17	leaves	leave	VERB
cblr-9988	53	18	many	many	ADJ
cblr-9988	53	19	small	small	ADJ
cblr-9988	53	20	-	-	PUNCT
cblr-9988	53	21	business	business	NOUN
cblr-9988	53	22	borrowers	borrower	NOUN
cblr-9988	53	23	without	without	ADP
cblr-9988	53	24	options	option	NOUN
cblr-9988	53	25	for	for	ADP
cblr-9988	53	26	bank	bank	NOUN
cblr-9988	53	27	funding	funding	NOUN
cblr-9988	53	28	.	.	PUNCT
cblr-9988	54	1	section	section	NOUN
cblr-9988	54	2	b	b	PROPN
cblr-9988	54	3	no	no	INTJ
cblr-9988	54	4	.	.	PUNCT
cblr-9988	55	1	1:621	1:621	NUM
cblr-9988	55	2	]	]	X
cblr-9988	55	3	expand	expand	VERB
cblr-9988	55	4	online	online	ADJ
cblr-9988	55	5	lending	lending	NOUN
cblr-9988	55	6	to	to	ADP
cblr-9988	55	7	minority	minority	NOUN
cblr-9988	55	8	business	business	NOUN
cblr-9988	55	9	owners	owner	NOUN
cblr-9988	55	10	625	625	NUM
cblr-9988	55	11	describes	describe	VERB
cblr-9988	55	12	the	the	DET
cblr-9988	55	13	specific	specific	ADJ
cblr-9988	55	14	obstacles	obstacle	NOUN
cblr-9988	55	15	minority	minority	NOUN
cblr-9988	55	16	business	business	NOUN
cblr-9988	55	17	owners	owner	NOUN
cblr-9988	55	18	face	face	VERB
cblr-9988	55	19	in	in	ADP
cblr-9988	55	20	obtaining	obtain	VERB
cblr-9988	55	21	loans	loan	NOUN
cblr-9988	55	22	and	and	CCONJ
cblr-9988	55	23	the	the	DET
cblr-9988	55	24	ineffectiveness	ineffectiveness	NOUN
cblr-9988	55	25	of	of	ADP
cblr-9988	55	26	federal	federal	ADJ
cblr-9988	55	27	programs	program	NOUN
cblr-9988	55	28	in	in	ADP
cblr-9988	55	29	addressing	address	VERB
cblr-9988	55	30	this	this	DET
cblr-9988	55	31	need	need	NOUN
cblr-9988	55	32	.	.	PUNCT
cblr-9988	56	1	a.	a.	NOUN
cblr-9988	56	2	banks	bank	NOUN
cblr-9988	56	3	today	today	NOUN
cblr-9988	56	4	tend	tend	VERB
cblr-9988	56	5	to	to	PART
cblr-9988	56	6	focus	focus	VERB
cblr-9988	56	7	on	on	ADP
cblr-9988	56	8	higher	high	ADJ
cblr-9988	56	9	-	-	PUNCT
cblr-9988	56	10	profit	profit	NOUN
cblr-9988	56	11	loans	loan	NOUN
cblr-9988	56	12	and	and	CCONJ
cblr-9988	56	13	use	use	VERB
cblr-9988	56	14	standardized	standardized	ADJ
cblr-9988	56	15	underwriting	underwriting	NOUN
cblr-9988	56	16	criteria	criterion	NOUN
cblr-9988	56	17	historically	historically	ADV
cblr-9988	56	18	,	,	PUNCT
cblr-9988	56	19	community	community	NOUN
cblr-9988	56	20	banks	bank	NOUN
cblr-9988	56	21	played	play	VERB
cblr-9988	56	22	an	an	DET
cblr-9988	56	23	important	important	ADJ
cblr-9988	56	24	role	role	NOUN
cblr-9988	56	25	in	in	ADP
cblr-9988	56	26	providing	provide	VERB
cblr-9988	56	27	loans	loan	NOUN
cblr-9988	56	28	to	to	ADP
cblr-9988	56	29	people	people	NOUN
cblr-9988	56	30	in	in	ADP
cblr-9988	56	31	the	the	DET
cblr-9988	56	32	community	community	NOUN
cblr-9988	56	33	.	.	PUNCT
cblr-9988	57	1	community	community	NOUN
cblr-9988	57	2	banks	bank	NOUN
cblr-9988	57	3	are	be	AUX
cblr-9988	57	4	typically	typically	ADV
cblr-9988	57	5	small	small	ADJ
cblr-9988	57	6	banks	bank	NOUN
cblr-9988	57	7	that	that	PRON
cblr-9988	57	8	serve	serve	VERB
cblr-9988	57	9	a	a	DET
cblr-9988	57	10	limited	limited	ADJ
cblr-9988	57	11	geographic	geographic	ADJ
cblr-9988	57	12	area.1	area.1	PROPN
cblr-9988	57	13	community	community	NOUN
cblr-9988	57	14	bank	bank	NOUN
cblr-9988	57	15	officers	officer	NOUN
cblr-9988	57	16	recognized	recognize	VERB
cblr-9988	57	17	people	people	NOUN
cblr-9988	57	18	in	in	ADP
cblr-9988	57	19	the	the	DET
cblr-9988	57	20	community	community	NOUN
cblr-9988	57	21	and	and	CCONJ
cblr-9988	57	22	could	could	AUX
cblr-9988	57	23	underwrite	underwrite	VERB
cblr-9988	57	24	loans	loan	NOUN
cblr-9988	57	25	based	base	VERB
cblr-9988	57	26	on	on	ADP
cblr-9988	57	27	soft	soft	ADJ
cblr-9988	57	28	factors	factor	NOUN
cblr-9988	57	29	,	,	PUNCT
cblr-9988	57	30	such	such	ADJ
cblr-9988	57	31	as	as	ADP
cblr-9988	57	32	reputation.2	reputation.2	PROPN
cblr-9988	57	33	in	in	ADP
cblr-9988	57	34	the	the	DET
cblr-9988	57	35	late	late	ADJ
cblr-9988	57	36	1900s	1900	NOUN
cblr-9988	57	37	however	however	ADV
cblr-9988	57	38	,	,	PUNCT
cblr-9988	57	39	large	large	ADJ
cblr-9988	57	40	banks	bank	NOUN
cblr-9988	57	41	began	began	AUX
cblr-9988	57	42	rapidly	rapidly	ADV
cblr-9988	57	43	acquiring	acquire	VERB
cblr-9988	57	44	smaller	small	ADJ
cblr-9988	57	45	banks	bank	NOUN
cblr-9988	57	46	and	and	CCONJ
cblr-9988	57	47	converting	convert	VERB
cblr-9988	57	48	them	they	PRON
cblr-9988	57	49	into	into	ADP
cblr-9988	57	50	branches	branch	NOUN
cblr-9988	57	51	of	of	ADP
cblr-9988	57	52	the	the	DET
cblr-9988	57	53	parent	parent	NOUN
cblr-9988	57	54	bank.3	bank.3	NOUN
cblr-9988	57	55	because	because	SCONJ
cblr-9988	57	56	of	of	ADP
cblr-9988	57	57	the	the	DET
cblr-9988	57	58	fixed	fix	VERB
cblr-9988	57	59	cost	cost	NOUN
cblr-9988	57	60	of	of	ADP
cblr-9988	57	61	underwriting	underwrite	VERB
cblr-9988	57	62	a	a	DET
cblr-9988	57	63	loan	loan	NOUN
cblr-9988	57	64	,	,	PUNCT
cblr-9988	57	65	larger	large	ADJ
cblr-9988	57	66	banks	bank	NOUN
cblr-9988	57	67	tend	tend	VERB
cblr-9988	57	68	to	to	PART
cblr-9988	57	69	focus	focus	VERB
cblr-9988	57	70	on	on	ADP
cblr-9988	57	71	larger	large	ADJ
cblr-9988	57	72	,	,	PUNCT
cblr-9988	57	73	higher	high	ADJ
cblr-9988	57	74	-	-	PUNCT
cblr-9988	57	75	profit	profit	NOUN
cblr-9988	57	76	loans.4	loans.4	NOUN
cblr-9988	57	77	most	most	ADV
cblr-9988	57	78	large	large	ADJ
cblr-9988	57	79	banks	bank	NOUN
cblr-9988	57	80	have	have	VERB
cblr-9988	57	81	a	a	DET
cblr-9988	57	82	minimum	minimum	ADJ
cblr-9988	57	83	loan	loan	NOUN
cblr-9988	57	84	amount.5	amount.5	NOUN
cblr-9988	57	85	as	as	ADP
cblr-9988	57	86	a	a	DET
cblr-9988	57	87	result	result	NOUN
cblr-9988	57	88	,	,	PUNCT
cblr-9988	57	89	a	a	DET
cblr-9988	57	90	gap	gap	NOUN
cblr-9988	57	91	in	in	ADP
cblr-9988	57	92	access	access	NOUN
cblr-9988	57	93	to	to	ADP
cblr-9988	57	94	bank	bank	NOUN
cblr-9988	57	95	funding	funding	NOUN
cblr-9988	57	96	opened	open	VERB
cblr-9988	57	97	up	up	ADP
cblr-9988	57	98	,	,	PUNCT
cblr-9988	57	99	especially	especially	ADV
cblr-9988	57	100	for	for	ADP
cblr-9988	57	101	“	"	PUNCT
cblr-9988	57	102	small	small	ADJ
cblr-9988	57	103	dollar	dollar	NOUN
cblr-9988	57	104	loans	loan	NOUN
cblr-9988	57	105	”	"	PUNCT
cblr-9988	57	106	of	of	ADP
cblr-9988	57	107	less	less	ADJ
cblr-9988	57	108	than	than	ADP
cblr-9988	57	109	$	$	SYM
cblr-9988	57	110	250,000	250,000	NUM
cblr-9988	57	111	—	—	PUNCT
cblr-9988	57	112	the	the	DET
cblr-9988	57	113	1	1	NUM
cblr-9988	57	114	daniel	daniel	PROPN
cblr-9988	57	115	brown	brown	PROPN
cblr-9988	57	116	,	,	PUNCT
cblr-9988	57	117	u.s	u.s	PROPN
cblr-9988	57	118	.	.	PROPN
cblr-9988	57	119	small	small	ADJ
cblr-9988	57	120	bus	bus	NOUN
cblr-9988	57	121	.	.	PUNCT
cblr-9988	58	1	admin	admin	PROPN
cblr-9988	58	2	.	.	PROPN
cblr-9988	58	3	,	,	PUNCT
cblr-9988	58	4	spotlight	spotlight	NOUN
cblr-9988	58	5	on	on	ADP
cblr-9988	58	6	community	community	NOUN
cblr-9988	58	7	banking	banking	NOUN
cblr-9988	58	8	(	(	PUNCT
cblr-9988	58	9	2019	2019	NUM
cblr-9988	58	10	)	)	PUNCT
cblr-9988	58	11	,	,	PUNCT
cblr-9988	58	12	https://cdn.advocacy.sba.gov/wpcontent/uploads/2019/09/25164013/fact-sheet-community-banklending.pdf	https://cdn.advocacy.sba.gov/wpcontent/uploads/2019/09/25164013/fact-sheet-community-banklending.pdf	VERB
cblr-9988	58	13	[	[	X
cblr-9988	58	14	https://perma.cc/b9xh-y6en	https://perma.cc/b9xh-y6en	X
cblr-9988	58	15	]	]	X
cblr-9988	58	16	.	.	PUNCT
cblr-9988	59	1	2	2	NUM
cblr-9988	59	2	mehrsa	mehrsa	NOUN
cblr-9988	59	3	baradaran	baradaran	VERB
cblr-9988	59	4	,	,	PUNCT
cblr-9988	59	5	how	how	SCONJ
cblr-9988	59	6	the	the	DET
cblr-9988	59	7	other	other	ADJ
cblr-9988	59	8	half	half	ADJ
cblr-9988	59	9	banks	bank	NOUN
cblr-9988	59	10	:	:	PUNCT
cblr-9988	59	11	exclusion	exclusion	NOUN
cblr-9988	59	12	,	,	PUNCT
cblr-9988	59	13	exploitation	exploitation	NOUN
cblr-9988	59	14	,	,	PUNCT
cblr-9988	59	15	and	and	CCONJ
cblr-9988	59	16	the	the	DET
cblr-9988	59	17	threat	threat	NOUN
cblr-9988	59	18	to	to	ADP
cblr-9988	59	19	democracy	democracy	NOUN
cblr-9988	59	20	149	149	NUM
cblr-9988	59	21	(	(	PUNCT
cblr-9988	59	22	2015	2015	NUM
cblr-9988	59	23	)	)	PUNCT
cblr-9988	59	24	.	.	PUNCT
cblr-9988	60	1	3	3	NUM
cblr-9988	60	2	jeremy	jeremy	PROPN
cblr-9988	60	3	c.	c.	PROPN
cblr-9988	60	4	kress	kress	PROPN
cblr-9988	60	5	&	&	CCONJ
cblr-9988	60	6	matthew	matthew	PROPN
cblr-9988	60	7	c.	c.	PROPN
cblr-9988	60	8	turk	turk	PROPN
cblr-9988	60	9	,	,	PUNCT
cblr-9988	60	10	too	too	ADV
cblr-9988	60	11	many	many	ADJ
cblr-9988	60	12	to	to	PART
cblr-9988	60	13	fail	fail	VERB
cblr-9988	60	14	:	:	PUNCT
cblr-9988	60	15	against	against	ADP
cblr-9988	60	16	community	community	NOUN
cblr-9988	60	17	bank	bank	NOUN
cblr-9988	60	18	deregulation	deregulation	NOUN
cblr-9988	60	19	,	,	PUNCT
cblr-9988	60	20	115	115	NUM
cblr-9988	60	21	nw	nw	PROPN
cblr-9988	60	22	.	.	PROPN
cblr-9988	60	23	univ	univ	PROPN
cblr-9988	60	24	.	.	PUNCT
cblr-9988	61	1	l.	l.	PROPN
cblr-9988	61	2	rev	rev	PROPN
cblr-9988	61	3	.	.	PROPN
cblr-9988	61	4	647	647	NUM
cblr-9988	61	5	,	,	PUNCT
cblr-9988	61	6	678	678	NUM
cblr-9988	61	7	(	(	PUNCT
cblr-9988	61	8	2020	2020	NUM
cblr-9988	61	9	)	)	PUNCT
cblr-9988	61	10	(	(	PUNCT
cblr-9988	61	11	noting	note	VERB
cblr-9988	61	12	that	that	SCONJ
cblr-9988	61	13	the	the	DET
cblr-9988	61	14	decline	decline	NOUN
cblr-9988	61	15	in	in	ADP
cblr-9988	61	16	micro	micro	ADJ
cblr-9988	61	17	-	-	NOUN
cblr-9988	61	18	community	community	ADJ
cblr-9988	61	19	banks	bank	NOUN
cblr-9988	61	20	was	be	AUX
cblr-9988	61	21	mainly	mainly	ADV
cblr-9988	61	22	due	due	ADJ
cblr-9988	61	23	to	to	ADP
cblr-9988	61	24	the	the	DET
cblr-9988	61	25	bank	bank	NOUN
cblr-9988	61	26	acquisitions	acquisition	NOUN
cblr-9988	61	27	that	that	PRON
cblr-9988	61	28	followed	follow	VERB
cblr-9988	61	29	legal	legal	ADJ
cblr-9988	61	30	reforms	reform	NOUN
cblr-9988	61	31	,	,	PUNCT
cblr-9988	61	32	such	such	ADJ
cblr-9988	61	33	as	as	ADP
cblr-9988	61	34	the	the	DET
cblr-9988	61	35	enactment	enactment	NOUN
cblr-9988	61	36	of	of	ADP
cblr-9988	61	37	the	the	DET
cblr-9988	61	38	riegle	riegle	ADJ
cblr-9988	61	39	-	-	PUNCT
cblr-9988	61	40	neal	neal	NOUN
cblr-9988	61	41	interstate	interstate	PROPN
cblr-9988	61	42	banking	banking	NOUN
cblr-9988	61	43	and	and	CCONJ
cblr-9988	61	44	branching	branch	VERB
cblr-9988	61	45	efficiency	efficiency	NOUN
cblr-9988	61	46	act	act	NOUN
cblr-9988	61	47	of	of	ADP
cblr-9988	61	48	1994	1994	NUM
cblr-9988	61	49	)	)	PUNCT
cblr-9988	61	50	.	.	PUNCT
cblr-9988	62	1	4	4	NUM
cblr-9988	62	2	finreg	finreg	NOUN
cblr-9988	62	3	lab	lab	NOUN
cblr-9988	62	4	,	,	PUNCT
cblr-9988	62	5	the	the	DET
cblr-9988	62	6	use	use	NOUN
cblr-9988	62	7	of	of	ADP
cblr-9988	62	8	cash	cash	NOUN
cblr-9988	62	9	-	-	PUNCT
cblr-9988	62	10	flow	flow	NOUN
cblr-9988	62	11	data	datum	NOUN
cblr-9988	62	12	in	in	ADP
cblr-9988	62	13	underwriting	underwriting	NOUN
cblr-9988	62	14	credit	credit	NOUN
cblr-9988	62	15	:	:	PUNCT
cblr-9988	62	16	small	small	ADJ
cblr-9988	62	17	business	business	NOUN
cblr-9988	62	18	spotlight	spotlight	NOUN
cblr-9988	62	19	6	6	NUM
cblr-9988	62	20	(	(	PUNCT
cblr-9988	62	21	2019	2019	NUM
cblr-9988	62	22	)	)	PUNCT
cblr-9988	62	23	,	,	PUNCT
cblr-9988	62	24	https://finreglab.org/wpcontent/uploads/2019/09/finreglab-small-business-spotlight-report.pdf	https://finreglab.org/wpcontent/uploads/2019/09/finreglab-small-business-spotlight-report.pdf	PROPN
cblr-9988	63	1	[	[	X
cblr-9988	63	2	https://perma.cc/bzu9-9srq	https://perma.cc/bzu9-9srq	X
cblr-9988	63	3	]	]	PUNCT
cblr-9988	63	4	(	(	PUNCT
cblr-9988	63	5	detailing	detail	VERB
cblr-9988	63	6	how	how	SCONJ
cblr-9988	63	7	underwriting	underwriting	NOUN
cblr-9988	63	8	loans	loan	NOUN
cblr-9988	63	9	can	can	AUX
cblr-9988	63	10	be	be	AUX
cblr-9988	63	11	an	an	DET
cblr-9988	63	12	expensive	expensive	ADJ
cblr-9988	63	13	process	process	NOUN
cblr-9988	63	14	and	and	CCONJ
cblr-9988	63	15	tend	tend	VERB
cblr-9988	63	16	to	to	PART
cblr-9988	63	17	cost	cost	VERB
cblr-9988	63	18	the	the	DET
cblr-9988	63	19	same	same	ADJ
cblr-9988	63	20	regardless	regardless	ADV
cblr-9988	63	21	of	of	ADP
cblr-9988	63	22	the	the	DET
cblr-9988	63	23	size	size	NOUN
cblr-9988	63	24	of	of	ADP
cblr-9988	63	25	the	the	DET
cblr-9988	63	26	loan	loan	NOUN
cblr-9988	63	27	)	)	PUNCT
cblr-9988	63	28	.	.	PUNCT
cblr-9988	64	1	5	5	NUM
cblr-9988	64	2	fed	fed	PROPN
cblr-9988	64	3	.	.	PUNCT
cblr-9988	65	1	deposit	deposit	NOUN
cblr-9988	65	2	ins	ins	PROPN
cblr-9988	65	3	.	.	PUNCT
cblr-9988	65	4	corp	corp	PROPN
cblr-9988	65	5	.	.	PROPN
cblr-9988	65	6	,	,	PUNCT
cblr-9988	65	7	fdic	fdic	PROPN
cblr-9988	65	8	small	small	ADJ
cblr-9988	65	9	business	business	NOUN
cblr-9988	65	10	lending	lending	NOUN
cblr-9988	65	11	survey	survey	NOUN
cblr-9988	65	12	44	44	NUM
cblr-9988	65	13	(	(	PUNCT
cblr-9988	65	14	2018	2018	NUM
cblr-9988	65	15	)	)	PUNCT
cblr-9988	65	16	,	,	PUNCT
cblr-9988	65	17	https://www.fdic.gov/bank/historical/sbls/full-survey.pdf	https://www.fdic.gov/bank/historical/sbls/full-survey.pdf	PROPN
cblr-9988	66	1	[	[	X
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cblr-9988	66	3	]	]	PUNCT
cblr-9988	66	4	.	.	PUNCT
cblr-9988	67	1	while	while	SCONJ
cblr-9988	67	2	69.8	69.8	NUM
cblr-9988	67	3	%	%	NOUN
cblr-9988	67	4	of	of	ADP
cblr-9988	67	5	large	large	ADJ
cblr-9988	67	6	banks	bank	NOUN
cblr-9988	67	7	have	have	VERB
cblr-9988	67	8	a	a	DET
cblr-9988	67	9	minimum	minimum	ADJ
cblr-9988	67	10	loan	loan	NOUN
cblr-9988	67	11	amount	amount	NOUN
cblr-9988	67	12	when	when	SCONJ
cblr-9988	67	13	lending	lend	VERB
cblr-9988	67	14	to	to	ADP
cblr-9988	67	15	small	small	ADJ
cblr-9988	67	16	businesses	business	NOUN
cblr-9988	67	17	,	,	PUNCT
cblr-9988	67	18	a	a	DET
cblr-9988	67	19	much	much	ADV
cblr-9988	67	20	smaller	small	ADJ
cblr-9988	67	21	percentage	percentage	NOUN
cblr-9988	67	22	,	,	PUNCT
cblr-9988	67	23	14.8	14.8	NUM
cblr-9988	67	24	%	%	NOUN
cblr-9988	67	25	,	,	PUNCT
cblr-9988	67	26	of	of	ADP
cblr-9988	67	27	small	small	ADJ
cblr-9988	67	28	banks	bank	NOUN
cblr-9988	67	29	have	have	VERB
cblr-9988	67	30	such	such	DET
cblr-9988	67	31	a	a	DET
cblr-9988	67	32	requirement	requirement	NOUN
cblr-9988	67	33	.	.	PUNCT
cblr-9988	68	1	i	i	PRON
cblr-9988	68	2	d.	d.	PROPN
cblr-9988	68	3	626	626	NUM
cblr-9988	68	4	columbia	columbia	PROPN
cblr-9988	68	5	business	business	NOUN
cblr-9988	68	6	law	law	NOUN
cblr-9988	68	7	review	review	NOUN
cblr-9988	68	8	[	[	X
cblr-9988	68	9	vol	vol	NOUN
cblr-9988	68	10	.	.	PUNCT
cblr-9988	68	11	2022	2022	NUM
cblr-9988	68	12	amounts	amount	VERB
cblr-9988	68	13	that	that	SCONJ
cblr-9988	68	14	small	small	ADJ
cblr-9988	68	15	businesses	business	NOUN
cblr-9988	68	16	typically	typically	ADV
cblr-9988	68	17	request.6	request.6	ADV
cblr-9988	68	18	small	small	ADJ
cblr-9988	68	19	businesses	business	NOUN
cblr-9988	68	20	often	often	ADV
cblr-9988	68	21	turn	turn	VERB
cblr-9988	68	22	to	to	ADP
cblr-9988	68	23	banks	bank	NOUN
cblr-9988	68	24	when	when	SCONJ
cblr-9988	68	25	seeking	seek	VERB
cblr-9988	68	26	external	external	ADJ
cblr-9988	68	27	financing.7	financing.7	PROPN
cblr-9988	68	28	thus	thus	ADV
cblr-9988	68	29	,	,	PUNCT
cblr-9988	68	30	with	with	ADP
cblr-9988	68	31	the	the	DET
cblr-9988	68	32	decline	decline	NOUN
cblr-9988	68	33	in	in	ADP
cblr-9988	68	34	bank	bank	NOUN
cblr-9988	68	35	-	-	PUNCT
cblr-9988	68	36	funded	fund	VERB
cblr-9988	68	37	small	small	ADJ
cblr-9988	68	38	-	-	PUNCT
cblr-9988	68	39	dollar	dollar	NOUN
cblr-9988	68	40	loans	loan	NOUN
cblr-9988	68	41	,	,	PUNCT
cblr-9988	68	42	small	small	ADJ
cblr-9988	68	43	businesses	business	NOUN
cblr-9988	68	44	lose	lose	VERB
cblr-9988	68	45	a	a	DET
cblr-9988	68	46	major	major	ADJ
cblr-9988	68	47	avenue	avenue	NOUN
cblr-9988	68	48	for	for	ADP
cblr-9988	68	49	obtaining	obtain	VERB
cblr-9988	68	50	funding	funding	NOUN
cblr-9988	68	51	.	.	PUNCT
cblr-9988	69	1	furthermore	furthermore	ADV
cblr-9988	69	2	,	,	PUNCT
cblr-9988	69	3	large	large	ADJ
cblr-9988	69	4	banks	bank	NOUN
cblr-9988	69	5	often	often	ADV
cblr-9988	69	6	rely	rely	VERB
cblr-9988	69	7	on	on	ADP
cblr-9988	69	8	standardized	standardized	ADJ
cblr-9988	69	9	qualitative	qualitative	ADJ
cblr-9988	69	10	criteria	criterion	NOUN
cblr-9988	69	11	to	to	PART
cblr-9988	69	12	assess	assess	VERB
cblr-9988	69	13	loan	loan	NOUN
cblr-9988	69	14	applications	application	NOUN
cblr-9988	69	15	,	,	PUNCT
cblr-9988	69	16	which	which	PRON
cblr-9988	69	17	often	often	ADV
cblr-9988	69	18	disqualifies	disqualify	VERB
cblr-9988	69	19	small	small	ADJ
cblr-9988	69	20	business	business	NOUN
cblr-9988	69	21	owners	owner	NOUN
cblr-9988	69	22	with	with	ADP
cblr-9988	69	23	limited	limited	ADJ
cblr-9988	69	24	credit	credit	NOUN
cblr-9988	69	25	data	datum	NOUN
cblr-9988	69	26	from	from	ADP
cblr-9988	69	27	eligibility.8	eligibility.8	PROPN
cblr-9988	69	28	large	large	ADJ
cblr-9988	69	29	banks	bank	NOUN
cblr-9988	69	30	rely	rely	VERB
cblr-9988	69	31	on	on	ADP
cblr-9988	69	32	business	business	NOUN
cblr-9988	69	33	credit	credit	NOUN
cblr-9988	69	34	scores	score	NOUN
cblr-9988	69	35	to	to	ADP
cblr-9988	69	36	a	a	DET
cblr-9988	69	37	far	far	ADV
cblr-9988	69	38	greater	great	ADJ
cblr-9988	69	39	extent	extent	NOUN
cblr-9988	69	40	than	than	ADP
cblr-9988	69	41	small	small	ADJ
cblr-9988	69	42	banks	bank	NOUN
cblr-9988	69	43	:	:	PUNCT
cblr-9988	69	44	more	more	ADJ
cblr-9988	69	45	than	than	ADP
cblr-9988	69	46	sixty	sixty	NUM
cblr-9988	69	47	-	-	PUNCT
cblr-9988	69	48	four	four	NUM
cblr-9988	69	49	percent	percent	NOUN
cblr-9988	69	50	of	of	ADP
cblr-9988	69	51	large	large	ADJ
cblr-9988	69	52	banks	bank	NOUN
cblr-9988	69	53	almost	almost	ADV
cblr-9988	69	54	always	always	ADV
cblr-9988	69	55	evaluate	evaluate	VERB
cblr-9988	69	56	business	business	NOUN
cblr-9988	69	57	credit	credit	NOUN
cblr-9988	69	58	score	score	NOUN
cblr-9988	69	59	in	in	ADP
cblr-9988	69	60	their	their	PRON
cblr-9988	69	61	underwriting	underwriting	NOUN
cblr-9988	69	62	criteria	criterion	NOUN
cblr-9988	69	63	,	,	PUNCT
cblr-9988	69	64	while	while	SCONJ
cblr-9988	69	65	only	only	ADV
cblr-9988	69	66	roughly	roughly	ADV
cblr-9988	69	67	fifteen	fifteen	NUM
cblr-9988	69	68	percent	percent	NOUN
cblr-9988	69	69	of	of	ADP
cblr-9988	69	70	small	small	ADJ
cblr-9988	69	71	banks	bank	NOUN
cblr-9988	69	72	do	do	VERB
cblr-9988	69	73	the	the	DET
cblr-9988	69	74	same.9	same.9	NOUN
cblr-9988	69	75	in	in	ADP
cblr-9988	69	76	contrast	contrast	NOUN
cblr-9988	69	77	,	,	PUNCT
cblr-9988	69	78	because	because	SCONJ
cblr-9988	69	79	of	of	ADP
cblr-9988	69	80	their	their	PRON
cblr-9988	69	81	connection	connection	NOUN
cblr-9988	69	82	to	to	ADP
cblr-9988	69	83	local	local	ADJ
cblr-9988	69	84	communities	community	NOUN
cblr-9988	69	85	,	,	PUNCT
cblr-9988	69	86	small	small	ADJ
cblr-9988	69	87	banks	bank	NOUN
cblr-9988	69	88	engage	engage	VERB
cblr-9988	69	89	in	in	ADP
cblr-9988	69	90	“	"	PUNCT
cblr-9988	69	91	relationship	relationship	NOUN
cblr-9988	69	92	lending	lending	NOUN
cblr-9988	69	93	”	"	PUNCT
cblr-9988	69	94	and	and	CCONJ
cblr-9988	69	95	are	be	AUX
cblr-9988	69	96	more	more	ADV
cblr-9988	69	97	willing	willing	ADJ
cblr-9988	69	98	to	to	PART
cblr-9988	69	99	offer	offer	VERB
cblr-9988	69	100	loans	loan	NOUN
cblr-9988	69	101	to	to	ADP
cblr-9988	69	102	customers	customer	NOUN
cblr-9988	69	103	who	who	PRON
cblr-9988	69	104	lack	lack	VERB
cblr-9988	69	105	the	the	DET
cblr-9988	69	106	credit	credit	NOUN
cblr-9988	69	107	histories	history	NOUN
cblr-9988	69	108	required	require	VERB
cblr-9988	69	109	by	by	ADP
cblr-9988	69	110	larger	large	ADJ
cblr-9988	69	111	banks.10	banks.10	NOUN
cblr-9988	69	112	smaller	small	ADJ
cblr-9988	69	113	banks	bank	NOUN
cblr-9988	69	114	’	'	PUNCT
cblr-9988	69	115	flexibility	flexibility	NOUN
cblr-9988	69	116	in	in	ADP
cblr-9988	69	117	lending	lending	NOUN
cblr-9988	69	118	criteria	criterion	NOUN
cblr-9988	69	119	allows	allow	VERB
cblr-9988	69	120	entrepreneurs	entrepreneur	NOUN
cblr-9988	69	121	with	with	ADP
cblr-9988	69	122	limited	limited	ADJ
cblr-9988	69	123	credit	credit	NOUN
cblr-9988	69	124	history	history	NOUN
cblr-9988	69	125	opportunities	opportunity	NOUN
cblr-9988	69	126	to	to	PART
cblr-9988	69	127	secure	secure	VERB
cblr-9988	69	128	a	a	DET
cblr-9988	69	129	bank	bank	NOUN
cblr-9988	69	130	loan	loan	NOUN
cblr-9988	69	131	.	.	PUNCT
cblr-9988	70	1	however	however	ADV
cblr-9988	70	2	,	,	PUNCT
cblr-9988	70	3	racial	racial	ADJ
cblr-9988	70	4	prejudice	prejudice	NOUN
cblr-9988	70	5	may	may	AUX
cblr-9988	70	6	still	still	ADV
cblr-9988	70	7	play	play	VERB
cblr-9988	70	8	into	into	ADP
cblr-9988	70	9	loan	loan	NOUN
cblr-9988	70	10	officers	officer	NOUN
cblr-9988	70	11	’	’	PART
cblr-9988	70	12	decision,11	decision,11	NOUN
cblr-9988	70	13	affecting	affect	VERB
cblr-9988	70	14	minority	minority	NOUN
cblr-9988	70	15	business	business	NOUN
cblr-9988	70	16	owners	owner	NOUN
cblr-9988	70	17	’	'	PUNCT
cblr-9988	70	18	ability	ability	NOUN
cblr-9988	70	19	to	to	PART
cblr-9988	70	20	take	take	VERB
cblr-9988	70	21	advantage	advantage	NOUN
cblr-9988	70	22	of	of	ADP
cblr-9988	70	23	“	"	PUNCT
cblr-9988	70	24	relationship	relationship	NOUN
cblr-9988	70	25	lending	lending	NOUN
cblr-9988	70	26	.	.	PUNCT
cblr-9988	70	27	”	"	PUNCT
cblr-9988	71	1	6	6	NUM
cblr-9988	71	2	karen	karen	PROPN
cblr-9988	71	3	gordon	gordon	PROPN
cblr-9988	71	4	mills	mills	PROPN
cblr-9988	71	5	&	&	CCONJ
cblr-9988	71	6	brayden	brayden	PROPN
cblr-9988	71	7	mccarthy	mccarthy	PROPN
cblr-9988	71	8	,	,	PUNCT
cblr-9988	71	9	the	the	DET
cblr-9988	71	10	state	state	NOUN
cblr-9988	71	11	of	of	ADP
cblr-9988	71	12	small	small	ADJ
cblr-9988	71	13	business	business	NOUN
cblr-9988	71	14	lending	lending	NOUN
cblr-9988	71	15	:	:	PUNCT
cblr-9988	71	16	innovation	innovation	NOUN
cblr-9988	71	17	and	and	CCONJ
cblr-9988	71	18	technology	technology	NOUN
cblr-9988	71	19	and	and	CCONJ
cblr-9988	71	20	the	the	DET
cblr-9988	71	21	implications	implication	NOUN
cblr-9988	71	22	for	for	ADP
cblr-9988	71	23	regulation	regulation	NOUN
cblr-9988	71	24	42	42	NUM
cblr-9988	71	25	(	(	PUNCT
cblr-9988	71	26	harv	harv	NOUN
cblr-9988	71	27	.	.	PUNCT
cblr-9988	72	1	bus	bus	NOUN
cblr-9988	72	2	.	.	PUNCT
cblr-9988	73	1	sch	sch	PROPN
cblr-9988	73	2	.	.	PROPN
cblr-9988	73	3	,	,	PUNCT
cblr-9988	73	4	working	work	VERB
cblr-9988	73	5	paper	paper	NOUN
cblr-9988	73	6	no	no	INTJ
cblr-9988	73	7	.	.	PROPN
cblr-9988	74	1	17	17	NUM
cblr-9988	74	2	-	-	SYM
cblr-9988	74	3	042	042	NUM
cblr-9988	74	4	,	,	PUNCT
cblr-9988	74	5	2016	2016	NUM
cblr-9988	74	6	)	)	PUNCT
cblr-9988	74	7	.	.	PUNCT
cblr-9988	75	1	in	in	ADP
cblr-9988	75	2	2020	2020	NUM
cblr-9988	75	3	,	,	PUNCT
cblr-9988	75	4	seventy	seventy	NUM
cblr-9988	75	5	-	-	PUNCT
cblr-9988	75	6	eight	eight	NUM
cblr-9988	75	7	percent	percent	NOUN
cblr-9988	75	8	of	of	ADP
cblr-9988	75	9	small	small	ADJ
cblr-9988	75	10	business	business	NOUN
cblr-9988	75	11	sought	seek	VERB
cblr-9988	75	12	loans	loan	NOUN
cblr-9988	75	13	of	of	ADP
cblr-9988	75	14	under	under	ADP
cblr-9988	75	15	$	$	SYM
cblr-9988	75	16	250,000	250,000	NUM
cblr-9988	75	17	.	.	PUNCT
cblr-9988	76	1	fed	fed	PROPN
cblr-9988	76	2	.	.	PUNCT
cblr-9988	77	1	rsrv	rsrv	PROPN
cblr-9988	77	2	.	.	PUNCT
cblr-9988	78	1	banks	bank	NOUN
cblr-9988	78	2	,	,	PUNCT
cblr-9988	78	3	2020	2020	NUM
cblr-9988	78	4	report	report	NOUN
cblr-9988	78	5	on	on	ADP
cblr-9988	78	6	employer	employer	NOUN
cblr-9988	78	7	firms	firm	NOUN
cblr-9988	78	8	:	:	PUNCT
cblr-9988	78	9	small	small	ADJ
cblr-9988	78	10	business	business	NOUN
cblr-9988	78	11	credit	credit	NOUN
cblr-9988	78	12	survey	survey	NOUN
cblr-9988	78	13	10	10	NUM
cblr-9988	78	14	(	(	PUNCT
cblr-9988	78	15	2020	2020	NUM
cblr-9988	78	16	)	)	PUNCT
cblr-9988	78	17	,	,	PUNCT
cblr-9988	78	18	https://www.fedsmallbusiness.org/medialibrary/fedsmallbusiness/files/20	https://www.fedsmallbusiness.org/medialibrary/fedsmallbusiness/files/20	PROPN
cblr-9988	78	19	20/2020	20/2020	PROPN
cblr-9988	78	20	-	-	PUNCT
cblr-9988	78	21	sbcs	sbc	NOUN
cblr-9988	78	22	-	-	PUNCT
cblr-9988	78	23	employer	employer	NOUN
cblr-9988	78	24	-	-	PUNCT
cblr-9988	78	25	firms	firm	NOUN
cblr-9988	78	26	-	-	PUNCT
cblr-9988	78	27	report	report	NOUN
cblr-9988	78	28	[	[	X
cblr-9988	78	29	https://perma.cc/7gnt-y9cv	https://perma.cc/7gnt-y9cv	X
cblr-9988	78	30	]	]	X
cblr-9988	78	31	.	.	PUNCT
cblr-9988	79	1	7	7	NUM
cblr-9988	79	2	forty	forty	NUM
cblr-9988	79	3	-	-	PUNCT
cblr-9988	79	4	four	four	NUM
cblr-9988	79	5	percent	percent	NOUN
cblr-9988	79	6	of	of	ADP
cblr-9988	79	7	small	small	ADJ
cblr-9988	79	8	businesses	business	NOUN
cblr-9988	79	9	used	use	VERB
cblr-9988	79	10	a	a	DET
cblr-9988	79	11	bank	bank	NOUN
cblr-9988	79	12	in	in	ADP
cblr-9988	79	13	the	the	DET
cblr-9988	79	14	last	last	ADJ
cblr-9988	79	15	five	five	NUM
cblr-9988	79	16	years	year	NOUN
cblr-9988	79	17	,	,	PUNCT
cblr-9988	79	18	compared	compare	VERB
cblr-9988	79	19	to	to	ADP
cblr-9988	79	20	twenty	twenty	NUM
cblr-9988	79	21	percent	percent	NOUN
cblr-9988	79	22	that	that	PRON
cblr-9988	79	23	used	use	VERB
cblr-9988	79	24	online	online	ADJ
cblr-9988	79	25	lenders	lender	NOUN
cblr-9988	79	26	and	and	CCONJ
cblr-9988	79	27	six	six	NUM
cblr-9988	79	28	percent	percent	NOUN
cblr-9988	79	29	that	that	PRON
cblr-9988	79	30	used	use	VERB
cblr-9988	79	31	credit	credit	NOUN
cblr-9988	79	32	unions	union	NOUN
cblr-9988	79	33	.	.	PUNCT
cblr-9988	80	1	fed	fed	PROPN
cblr-9988	80	2	.	.	PUNCT
cblr-9988	81	1	rsrv	rsrv	PROPN
cblr-9988	81	2	.	.	PUNCT
cblr-9988	82	1	banks	bank	NOUN
cblr-9988	82	2	,	,	PUNCT
cblr-9988	82	3	supra	supra	PROPN
cblr-9988	82	4	note	note	PROPN
cblr-9988	82	5	6	6	NUM
cblr-9988	82	6	,	,	PUNCT
cblr-9988	82	7	at	at	ADP
cblr-9988	82	8	9	9	NUM
cblr-9988	82	9	.	.	PUNCT
cblr-9988	83	1	furthermore	furthermore	ADV
cblr-9988	83	2	,	,	PUNCT
cblr-9988	83	3	forty	forty	NUM
cblr-9988	83	4	percent	percent	NOUN
cblr-9988	83	5	of	of	ADP
cblr-9988	83	6	small	small	ADJ
cblr-9988	83	7	business	business	NOUN
cblr-9988	83	8	credit	credit	NOUN
cblr-9988	83	9	applicants	applicant	NOUN
cblr-9988	83	10	applied	apply	VERB
cblr-9988	83	11	to	to	ADP
cblr-9988	83	12	large	large	ADJ
cblr-9988	83	13	banks	bank	NOUN
cblr-9988	83	14	while	while	SCONJ
cblr-9988	83	15	thirty	thirty	NUM
cblr-9988	83	16	-	-	PUNCT
cblr-9988	83	17	six	six	NUM
cblr-9988	83	18	percent	percent	NOUN
cblr-9988	83	19	applied	apply	VERB
cblr-9988	83	20	to	to	ADP
cblr-9988	83	21	small	small	ADJ
cblr-9988	83	22	banks	bank	NOUN
cblr-9988	83	23	;	;	PUNCT
cblr-9988	83	24	applicants	applicant	NOUN
cblr-9988	83	25	sought	seek	VERB
cblr-9988	83	26	credit	credit	NOUN
cblr-9988	83	27	from	from	ADP
cblr-9988	83	28	banks	bank	NOUN
cblr-9988	83	29	more	more	ADJ
cblr-9988	83	30	than	than	ADP
cblr-9988	83	31	from	from	ADP
cblr-9988	83	32	other	other	ADJ
cblr-9988	83	33	sources	source	NOUN
cblr-9988	83	34	.	.	PUNCT
cblr-9988	84	1	i	i	PRON
cblr-9988	84	2	d.	d.	PROPN
cblr-9988	84	3	at	at	ADP
cblr-9988	84	4	15	15	NUM
cblr-9988	84	5	.	.	SYM
cblr-9988	84	6	8	8	NUM
cblr-9988	84	7	fed	feed	VERB
cblr-9988	84	8	.	.	PUNCT
cblr-9988	85	1	deposit	deposit	NOUN
cblr-9988	85	2	ins	ins	PROPN
cblr-9988	85	3	.	.	PUNCT
cblr-9988	85	4	corp	corp	PROPN
cblr-9988	85	5	.	.	PROPN
cblr-9988	85	6	,	,	PUNCT
cblr-9988	85	7	supra	supra	PROPN
cblr-9988	85	8	note	note	PROPN
cblr-9988	85	9	5	5	NUM
cblr-9988	85	10	,	,	PUNCT
cblr-9988	85	11	at	at	ADP
cblr-9988	85	12	40	40	NUM
cblr-9988	85	13	.	.	PUNCT
cblr-9988	85	14	9	9	NUM
cblr-9988	86	1	i	i	PROPN
cblr-9988	86	2	d.	d.	PROPN
cblr-9988	86	3	10	10	NUM
cblr-9988	86	4	mills	mill	NOUN
cblr-9988	86	5	&	&	CCONJ
cblr-9988	86	6	mccarthy	mccarthy	PROPN
cblr-9988	86	7	,	,	PUNCT
cblr-9988	86	8	supra	supra	PROPN
cblr-9988	86	9	note	note	NOUN
cblr-9988	86	10	6	6	NUM
cblr-9988	86	11	,	,	PUNCT
cblr-9988	86	12	at	at	ADP
cblr-9988	86	13	28	28	NUM
cblr-9988	86	14	.	.	PUNCT
cblr-9988	86	15	11	11	NUM
cblr-9988	86	16	see	see	VERB
cblr-9988	86	17	,	,	PUNCT
cblr-9988	86	18	e.g.	e.g.	ADV
cblr-9988	86	19	,	,	PUNCT
cblr-9988	86	20	lynnise	lynnise	PROPN
cblr-9988	86	21	e.	e.	PROPN
cblr-9988	86	22	pantin	pantin	PROPN
cblr-9988	86	23	,	,	PUNCT
cblr-9988	86	24	the	the	DET
cblr-9988	86	25	wealth	wealth	NOUN
cblr-9988	86	26	gap	gap	NOUN
cblr-9988	86	27	and	and	CCONJ
cblr-9988	86	28	the	the	DET
cblr-9988	86	29	racial	racial	ADJ
cblr-9988	86	30	disparities	disparity	NOUN
cblr-9988	86	31	in	in	ADP
cblr-9988	86	32	the	the	DET
cblr-9988	86	33	startup	startup	NOUN
cblr-9988	86	34	ecosystem	ecosystem	NOUN
cblr-9988	86	35	,	,	PUNCT
cblr-9988	86	36	62	62	NUM
cblr-9988	86	37	st	st	PROPN
cblr-9988	86	38	.	.	PROPN
cblr-9988	86	39	louis	louis	PROPN
cblr-9988	86	40	univ	univ	PROPN
cblr-9988	86	41	.	.	PUNCT
cblr-9988	87	1	l.j	l.j	AUX
cblr-9988	87	2	.	.	PROPN
cblr-9988	87	3	419	419	NUM
cblr-9988	87	4	,	,	PUNCT
cblr-9988	87	5	440	440	NUM
cblr-9988	87	6	(	(	PUNCT
cblr-9988	87	7	2018	2018	NUM
cblr-9988	87	8	)	)	PUNCT
cblr-9988	87	9	(	(	PUNCT
cblr-9988	87	10	summarizing	summarize	VERB
cblr-9988	87	11	a	a	DET
cblr-9988	87	12	study	study	NOUN
cblr-9988	87	13	that	that	PRON
cblr-9988	87	14	found	find	VERB
cblr-9988	87	15	black	black	ADJ
cblr-9988	87	16	and	and	CCONJ
cblr-9988	87	17	latino	latino	ADJ
cblr-9988	87	18	business	business	NOUN
cblr-9988	87	19	owners	owner	NOUN
cblr-9988	87	20	were	be	AUX
cblr-9988	87	21	no	no	INTJ
cblr-9988	87	22	.	.	PUNCT
cblr-9988	88	1	1:621	1:621	NUM
cblr-9988	88	2	]	]	X
cblr-9988	88	3	expand	expand	VERB
cblr-9988	88	4	online	online	ADJ
cblr-9988	88	5	lending	lending	NOUN
cblr-9988	88	6	to	to	ADP
cblr-9988	88	7	minority	minority	NOUN
cblr-9988	88	8	business	business	NOUN
cblr-9988	88	9	owners	owner	NOUN
cblr-9988	88	10	627	627	NUM
cblr-9988	88	11	collateral	collateral	ADJ
cblr-9988	88	12	requirements	requirement	NOUN
cblr-9988	88	13	pose	pose	VERB
cblr-9988	88	14	another	another	DET
cblr-9988	88	15	obstacle	obstacle	NOUN
cblr-9988	88	16	for	for	ADP
cblr-9988	88	17	small	small	ADJ
cblr-9988	88	18	business	business	NOUN
cblr-9988	88	19	borrowers	borrower	NOUN
cblr-9988	88	20	.	.	PUNCT
cblr-9988	89	1	small	small	ADJ
cblr-9988	89	2	banks	bank	NOUN
cblr-9988	89	3	are	be	AUX
cblr-9988	89	4	more	more	ADV
cblr-9988	89	5	likely	likely	ADJ
cblr-9988	89	6	to	to	PART
cblr-9988	89	7	accept	accept	VERB
cblr-9988	89	8	collateral	collateral	NOUN
cblr-9988	89	9	in	in	ADP
cblr-9988	89	10	commercial	commercial	ADJ
cblr-9988	89	11	or	or	CCONJ
cblr-9988	89	12	personal	personal	ADJ
cblr-9988	89	13	real	real	ADJ
cblr-9988	89	14	estate	estate	NOUN
cblr-9988	89	15	as	as	SCONJ
cblr-9988	89	16	compared	compare	VERB
cblr-9988	89	17	to	to	ADP
cblr-9988	89	18	large	large	ADJ
cblr-9988	89	19	banks.12	banks.12	NOUN
cblr-9988	89	20	some	some	DET
cblr-9988	89	21	small	small	ADJ
cblr-9988	89	22	businesses	business	NOUN
cblr-9988	89	23	are	be	AUX
cblr-9988	89	24	nevertheless	nevertheless	ADV
cblr-9988	89	25	unable	unable	ADJ
cblr-9988	89	26	to	to	PART
cblr-9988	89	27	meet	meet	VERB
cblr-9988	89	28	those	those	DET
cblr-9988	89	29	collateral	collateral	ADJ
cblr-9988	89	30	requirements	requirement	NOUN
cblr-9988	89	31	and	and	CCONJ
cblr-9988	89	32	turn	turn	VERB
cblr-9988	89	33	to	to	ADP
cblr-9988	89	34	online	online	ADJ
cblr-9988	89	35	lenders	lender	NOUN
cblr-9988	89	36	to	to	PART
cblr-9988	89	37	fulfill	fulfill	VERB
cblr-9988	89	38	their	their	PRON
cblr-9988	89	39	financing	financing	NOUN
cblr-9988	89	40	needs	need	NOUN
cblr-9988	89	41	.	.	PUNCT
cblr-9988	90	1	thirty	thirty	NUM
cblr-9988	90	2	-	-	PUNCT
cblr-9988	90	3	nine	nine	NUM
cblr-9988	90	4	percent	percent	NOUN
cblr-9988	90	5	of	of	ADP
cblr-9988	90	6	small	small	ADJ
cblr-9988	90	7	businesses	business	NOUN
cblr-9988	90	8	applying	apply	VERB
cblr-9988	90	9	to	to	ADP
cblr-9988	90	10	online	online	ADJ
cblr-9988	90	11	lenders	lender	NOUN
cblr-9988	90	12	for	for	ADP
cblr-9988	90	13	credit	credit	NOUN
cblr-9988	90	14	cited	cite	VERB
cblr-9988	90	15	the	the	DET
cblr-9988	90	16	lack	lack	NOUN
cblr-9988	90	17	of	of	ADP
cblr-9988	90	18	collateral	collateral	ADJ
cblr-9988	90	19	requirement	requirement	NOUN
cblr-9988	90	20	as	as	ADP
cblr-9988	90	21	one	one	NUM
cblr-9988	90	22	of	of	ADP
cblr-9988	90	23	their	their	PRON
cblr-9988	90	24	reasons	reason	NOUN
cblr-9988	90	25	for	for	ADP
cblr-9988	90	26	seeking	seek	VERB
cblr-9988	90	27	out	out	ADP
cblr-9988	90	28	that	that	PRON
cblr-9988	90	29	lender.13	lender.13	PROPN
cblr-9988	90	30	bank	bank	PROPN
cblr-9988	90	31	loans	loan	NOUN
cblr-9988	90	32	to	to	ADP
cblr-9988	90	33	small	small	ADJ
cblr-9988	90	34	businesses	business	NOUN
cblr-9988	90	35	further	far	ADV
cblr-9988	90	36	dropped	drop	VERB
cblr-9988	90	37	after	after	ADP
cblr-9988	90	38	the	the	DET
cblr-9988	90	39	2008	2008	NUM
cblr-9988	90	40	financial	financial	ADJ
cblr-9988	90	41	crisis	crisis	NOUN
cblr-9988	90	42	.	.	PUNCT
cblr-9988	91	1	after	after	ADP
cblr-9988	91	2	2008	2008	NUM
cblr-9988	91	3	,	,	PUNCT
cblr-9988	91	4	loan	loan	NOUN
cblr-9988	91	5	origination	origination	NOUN
cblr-9988	91	6	for	for	ADP
cblr-9988	91	7	the	the	DET
cblr-9988	91	8	four	four	NUM
cblr-9988	91	9	largest	large	ADJ
cblr-9988	91	10	u.s	u.s	PROPN
cblr-9988	91	11	.	.	PROPN
cblr-9988	91	12	banks	bank	NOUN
cblr-9988	91	13	dropped	drop	VERB
cblr-9988	91	14	by	by	ADP
cblr-9988	91	15	fifty	fifty	NUM
cblr-9988	91	16	percent	percent	NOUN
cblr-9988	91	17	and	and	CCONJ
cblr-9988	91	18	had	have	AUX
cblr-9988	91	19	not	not	PART
cblr-9988	91	20	recovered	recover	VERB
cblr-9988	91	21	by	by	ADP
cblr-9988	91	22	2015.14	2015.14	NUM
cblr-9988	91	23	the	the	DET
cblr-9988	91	24	dollar	dollar	NOUN
cblr-9988	91	25	volume	volume	NOUN
cblr-9988	91	26	of	of	ADP
cblr-9988	91	27	small	small	ADJ
cblr-9988	91	28	business	business	NOUN
cblr-9988	91	29	loans	loan	NOUN
cblr-9988	91	30	remained	remain	VERB
cblr-9988	91	31	steady	steady	ADJ
cblr-9988	91	32	from	from	ADP
cblr-9988	91	33	2017	2017	NUM
cblr-9988	91	34	to	to	ADP
cblr-9988	91	35	2018,15	2018,15	NUM
cblr-9988	91	36	then	then	ADV
cblr-9988	91	37	sharply	sharply	ADV
cblr-9988	91	38	increased	increase	VERB
cblr-9988	91	39	during	during	ADP
cblr-9988	91	40	the	the	DET
cblr-9988	91	41	pandemic	pandemic	ADJ
cblr-9988	91	42	as	as	ADP
cblr-9988	91	43	payment	payment	NOUN
cblr-9988	91	44	protection	protection	NOUN
cblr-9988	91	45	program	program	NOUN
cblr-9988	91	46	(	(	PUNCT
cblr-9988	91	47	ppp)16	ppp)16	PROPN
cblr-9988	91	48	provided	provide	VERB
cblr-9988	91	49	less	less	ADJ
cblr-9988	91	50	information	information	NOUN
cblr-9988	91	51	about	about	ADP
cblr-9988	91	52	loan	loan	NOUN
cblr-9988	91	53	terms	term	NOUN
cblr-9988	91	54	,	,	PUNCT
cblr-9988	91	55	offered	offer	VERB
cblr-9988	91	56	less	less	ADJ
cblr-9988	91	57	application	application	NOUN
cblr-9988	91	58	help	help	NOUN
cblr-9988	91	59	by	by	ADP
cblr-9988	91	60	loan	loan	NOUN
cblr-9988	91	61	officers	officer	NOUN
cblr-9988	91	62	,	,	PUNCT
cblr-9988	91	63	and	and	CCONJ
cblr-9988	91	64	were	be	AUX
cblr-9988	91	65	less	less	ADV
cblr-9988	91	66	frequently	frequently	ADV
cblr-9988	91	67	handed	hand	VERB
cblr-9988	91	68	a	a	DET
cblr-9988	91	69	business	business	NOUN
cblr-9988	91	70	card	card	NOUN
cblr-9988	91	71	)	)	PUNCT
cblr-9988	91	72	.	.	PUNCT
cblr-9988	92	1	12	12	NUM
cblr-9988	92	2	fed	fed	PROPN
cblr-9988	92	3	.	.	PUNCT
cblr-9988	93	1	deposit	deposit	NOUN
cblr-9988	93	2	ins	ins	PROPN
cblr-9988	93	3	.	.	PUNCT
cblr-9988	93	4	corp	corp	PROPN
cblr-9988	93	5	.	.	PROPN
cblr-9988	93	6	,	,	PUNCT
cblr-9988	93	7	supra	supra	PROPN
cblr-9988	93	8	note	note	PROPN
cblr-9988	93	9	5	5	NUM
cblr-9988	93	10	,	,	PUNCT
cblr-9988	93	11	at	at	ADP
cblr-9988	93	12	41	41	NUM
cblr-9988	93	13	.	.	PUNCT
cblr-9988	94	1	though	though	SCONJ
cblr-9988	94	2	large	large	ADJ
cblr-9988	94	3	banks	bank	NOUN
cblr-9988	94	4	are	be	AUX
cblr-9988	94	5	three	three	NUM
cblr-9988	94	6	times	time	NOUN
cblr-9988	94	7	likelier	likeli	ADJ
cblr-9988	94	8	than	than	SCONJ
cblr-9988	94	9	small	small	ADJ
cblr-9988	94	10	banks	bank	NOUN
cblr-9988	94	11	to	to	PART
cblr-9988	94	12	accept	accept	VERB
cblr-9988	94	13	no	no	DET
cblr-9988	94	14	collateral	collateral	NOUN
cblr-9988	94	15	for	for	ADP
cblr-9988	94	16	a	a	DET
cblr-9988	94	17	loan	loan	NOUN
cblr-9988	94	18	,	,	PUNCT
cblr-9988	94	19	this	this	PRON
cblr-9988	94	20	can	can	AUX
cblr-9988	94	21	be	be	AUX
cblr-9988	94	22	attributed	attribute	VERB
cblr-9988	94	23	to	to	ADP
cblr-9988	94	24	the	the	DET
cblr-9988	94	25	fact	fact	NOUN
cblr-9988	94	26	that	that	SCONJ
cblr-9988	94	27	large	large	ADJ
cblr-9988	94	28	banks	bank	NOUN
cblr-9988	94	29	are	be	AUX
cblr-9988	94	30	likelier	likeli	ADJ
cblr-9988	94	31	to	to	PART
cblr-9988	94	32	lend	lend	VERB
cblr-9988	94	33	to	to	ADP
cblr-9988	94	34	larger	large	ADJ
cblr-9988	94	35	,	,	PUNCT
cblr-9988	94	36	more	more	ADV
cblr-9988	94	37	mature	mature	ADJ
cblr-9988	94	38	firms	firm	NOUN
cblr-9988	94	39	with	with	ADP
cblr-9988	94	40	established	establish	VERB
cblr-9988	94	41	credit	credit	NOUN
cblr-9988	94	42	records	record	NOUN
cblr-9988	94	43	,	,	PUNCT
cblr-9988	94	44	thus	thus	ADV
cblr-9988	94	45	reducing	reduce	VERB
cblr-9988	94	46	the	the	DET
cblr-9988	94	47	bank	bank	NOUN
cblr-9988	94	48	’s	’s	PART
cblr-9988	94	49	need	need	NOUN
cblr-9988	94	50	to	to	PART
cblr-9988	94	51	use	use	VERB
cblr-9988	94	52	collateral	collateral	NOUN
cblr-9988	94	53	to	to	PART
cblr-9988	94	54	mitigate	mitigate	VERB
cblr-9988	94	55	risk	risk	NOUN
cblr-9988	94	56	.	.	PUNCT
cblr-9988	95	1	i	i	PRON
cblr-9988	95	2	d.	d.	PROPN
cblr-9988	95	3	13	13	NUM
cblr-9988	95	4	fed	fed	PROPN
cblr-9988	95	5	.	.	PUNCT
cblr-9988	96	1	rsrv	rsrv	PROPN
cblr-9988	96	2	.	.	PUNCT
cblr-9988	97	1	banks	bank	NOUN
cblr-9988	97	2	,	,	PUNCT
cblr-9988	97	3	supra	supra	PROPN
cblr-9988	97	4	note	note	PROPN
cblr-9988	97	5	6	6	NUM
cblr-9988	97	6	,	,	PUNCT
cblr-9988	97	7	at	at	ADP
cblr-9988	97	8	16	16	NUM
cblr-9988	97	9	.	.	PUNCT
cblr-9988	98	1	by	by	ADP
cblr-9988	98	2	contrast	contrast	NOUN
cblr-9988	98	3	,	,	PUNCT
cblr-9988	98	4	fifteen	fifteen	NUM
cblr-9988	98	5	percent	percent	NOUN
cblr-9988	98	6	of	of	ADP
cblr-9988	98	7	small	small	ADJ
cblr-9988	98	8	business	business	NOUN
cblr-9988	98	9	applicants	applicant	NOUN
cblr-9988	98	10	to	to	ADP
cblr-9988	98	11	large	large	ADJ
cblr-9988	98	12	banks	bank	NOUN
cblr-9988	98	13	,	,	PUNCT
cblr-9988	98	14	and	and	CCONJ
cblr-9988	98	15	thirteen	thirteen	NUM
cblr-9988	98	16	percent	percent	NOUN
cblr-9988	98	17	of	of	ADP
cblr-9988	98	18	small	small	ADJ
cblr-9988	98	19	business	business	NOUN
cblr-9988	98	20	applicants	applicant	NOUN
cblr-9988	98	21	to	to	ADP
cblr-9988	98	22	small	small	ADJ
cblr-9988	98	23	banks	bank	NOUN
cblr-9988	98	24	,	,	PUNCT
cblr-9988	98	25	cited	cite	VERB
cblr-9988	98	26	the	the	DET
cblr-9988	98	27	lack	lack	NOUN
cblr-9988	98	28	of	of	ADP
cblr-9988	98	29	collateral	collateral	ADJ
cblr-9988	98	30	requirement	requirement	NOUN
cblr-9988	98	31	as	as	ADP
cblr-9988	98	32	their	their	PRON
cblr-9988	98	33	reason	reason	NOUN
cblr-9988	98	34	for	for	ADP
cblr-9988	98	35	applying	apply	VERB
cblr-9988	98	36	to	to	ADP
cblr-9988	98	37	those	those	DET
cblr-9988	98	38	respective	respective	ADJ
cblr-9988	98	39	lenders	lender	NOUN
cblr-9988	98	40	.	.	PUNCT
cblr-9988	99	1	i	i	PRON
cblr-9988	99	2	d.	d.	PROPN
cblr-9988	99	3	14	14	NUM
cblr-9988	99	4	finreg	finreg	VERB
cblr-9988	99	5	lab	lab	NOUN
cblr-9988	99	6	,	,	PUNCT
cblr-9988	99	7	supra	supra	ADJ
cblr-9988	99	8	note	note	NOUN
cblr-9988	99	9	4	4	NUM
cblr-9988	99	10	,	,	PUNCT
cblr-9988	99	11	at	at	ADP
cblr-9988	99	12	8	8	NUM
cblr-9988	99	13	.	.	NOUN
cblr-9988	99	14	15	15	NUM
cblr-9988	99	15	charles	charles	PROPN
cblr-9988	99	16	morris	morris	PROPN
cblr-9988	99	17	&	&	CCONJ
cblr-9988	99	18	kristen	kristen	PROPN
cblr-9988	99	19	regehr	regehr	PROPN
cblr-9988	99	20	,	,	PUNCT
cblr-9988	99	21	small	small	ADJ
cblr-9988	99	22	business	business	NOUN
cblr-9988	99	23	lending	lending	NOUN
cblr-9988	99	24	conditions	condition	NOUN
cblr-9988	99	25	are	be	AUX
cblr-9988	99	26	stable	stable	ADJ
cblr-9988	99	27	,	,	PUNCT
cblr-9988	99	28	but	but	CCONJ
cblr-9988	99	29	terms	term	NOUN
cblr-9988	99	30	show	show	VERB
cblr-9988	99	31	some	some	DET
cblr-9988	99	32	tightening	tightening	NOUN
cblr-9988	99	33	,	,	PUNCT
cblr-9988	99	34	fed	fed	PROPN
cblr-9988	99	35	.	.	PUNCT
cblr-9988	99	36	rsrv	rsrv	PROPN
cblr-9988	99	37	.	.	PUNCT
cblr-9988	100	1	bank	bank	PROPN
cblr-9988	100	2	of	of	ADP
cblr-9988	100	3	kan	kan	PROPN
cblr-9988	100	4	.	.	PUNCT
cblr-9988	101	1	city	city	PROPN
cblr-9988	101	2	(	(	PUNCT
cblr-9988	101	3	june	june	PROPN
cblr-9988	101	4	19	19	NUM
cblr-9988	101	5	,	,	PUNCT
cblr-9988	101	6	2018	2018	NUM
cblr-9988	101	7	)	)	PUNCT
cblr-9988	101	8	,	,	PUNCT
cblr-9988	101	9	https://www.kansascityfed.org/surveys/smallbusiness-lending-survey/2018q1-small-business-lending-survey/	https://www.kansascityfed.org/surveys/smallbusiness-lending-survey/2018q1-small-business-lending-survey/	VERB
cblr-9988	102	1	[	[	X
cblr-9988	102	2	https://perma.cc/2t42-3bt9	https://perma.cc/2t42-3bt9	NOUN
cblr-9988	102	3	]	]	X
cblr-9988	102	4	.	.	PUNCT
cblr-9988	103	1	16	16	NUM
cblr-9988	104	1	the	the	DET
cblr-9988	104	2	paycheck	paycheck	NOUN
cblr-9988	104	3	protection	protection	PROPN
cblr-9988	104	4	program	program	PROPN
cblr-9988	104	5	(	(	PUNCT
cblr-9988	104	6	ppp	ppp	NOUN
cblr-9988	104	7	)	)	PUNCT
cblr-9988	104	8	was	be	AUX
cblr-9988	104	9	a	a	DET
cblr-9988	104	10	federal	federal	ADJ
cblr-9988	104	11	program	program	NOUN
cblr-9988	104	12	offering	offer	VERB
cblr-9988	104	13	forgivable	forgivable	ADJ
cblr-9988	104	14	loans	loan	NOUN
cblr-9988	104	15	to	to	ADP
cblr-9988	104	16	small	small	ADJ
cblr-9988	104	17	businesses	business	NOUN
cblr-9988	104	18	during	during	ADP
cblr-9988	104	19	the	the	DET
cblr-9988	104	20	covid-19	covid-19	PROPN
cblr-9988	104	21	pandemic	pandemic	NOUN
cblr-9988	104	22	.	.	PUNCT
cblr-9988	105	1	the	the	DET
cblr-9988	105	2	loan	loan	NOUN
cblr-9988	105	3	amounts	amount	NOUN
cblr-9988	105	4	were	be	AUX
cblr-9988	105	5	forgiven	forgive	VERB
cblr-9988	105	6	if	if	SCONJ
cblr-9988	105	7	the	the	DET
cblr-9988	105	8	recipient	recipient	NOUN
cblr-9988	105	9	used	use	VERB
cblr-9988	105	10	the	the	DET
cblr-9988	105	11	funding	funding	NOUN
cblr-9988	105	12	for	for	ADP
cblr-9988	105	13	payroll	payroll	NOUN
cblr-9988	105	14	,	,	PUNCT
cblr-9988	105	15	mortgage	mortgage	NOUN
cblr-9988	105	16	interest	interest	NOUN
cblr-9988	105	17	,	,	PUNCT
cblr-9988	105	18	rent	rent	NOUN
cblr-9988	105	19	,	,	PUNCT
cblr-9988	105	20	or	or	CCONJ
cblr-9988	105	21	utility	utility	NOUN
cblr-9988	105	22	costs	cost	NOUN
cblr-9988	105	23	over	over	ADP
cblr-9988	105	24	the	the	DET
cblr-9988	105	25	eight	eight	NUM
cblr-9988	105	26	-	-	PUNCT
cblr-9988	105	27	week	week	NOUN
cblr-9988	105	28	period	period	NOUN
cblr-9988	105	29	following	follow	VERB
cblr-9988	105	30	loan	loan	NOUN
cblr-9988	105	31	disbursement	disbursement	NOUN
cblr-9988	105	32	and	and	CCONJ
cblr-9988	105	33	if	if	SCONJ
cblr-9988	105	34	the	the	DET
cblr-9988	105	35	recipient	recipient	NOUN
cblr-9988	105	36	maintained	maintain	VERB
cblr-9988	105	37	prepandemic	prepandemic	ADJ
cblr-9988	105	38	employee	employee	NOUN
cblr-9988	105	39	and	and	CCONJ
cblr-9988	105	40	compensation	compensation	NOUN
cblr-9988	105	41	levels	level	NOUN
cblr-9988	105	42	.	.	PUNCT
cblr-9988	106	1	paycheck	paycheck	NOUN
cblr-9988	106	2	protection	protection	PROPN
cblr-9988	106	3	program	program	PROPN
cblr-9988	106	4	(	(	PUNCT
cblr-9988	106	5	ppp	ppp	NOUN
cblr-9988	106	6	)	)	PUNCT
cblr-9988	106	7	information	information	NOUN
cblr-9988	106	8	sheet	sheet	NOUN
cblr-9988	106	9	:	:	PUNCT
cblr-9988	106	10	borrowers	borrower	NOUN
cblr-9988	106	11	,	,	PUNCT
cblr-9988	106	12	u.s	u.s	PROPN
cblr-9988	106	13	.	.	PROPN
cblr-9988	106	14	treasury	treasury	PROPN
cblr-9988	106	15	,	,	PUNCT
cblr-9988	106	16	https://home.treasury.gov/system/files/136/ppp—fact-sheet.pdf	https://home.treasury.gov/system/files/136/ppp—fact-sheet.pdf	PROPN
cblr-9988	107	1	[	[	X
cblr-9988	107	2	https://perma.cc/972e-h4dd	https://perma.cc/972e-h4dd	X
cblr-9988	107	3	]	]	X
cblr-9988	107	4	(	(	PUNCT
cblr-9988	107	5	last	last	ADJ
cblr-9988	107	6	visited	visit	VERB
cblr-9988	107	7	feb	feb	PROPN
cblr-9988	107	8	.	.	PROPN
cblr-9988	107	9	28	28	NUM
cblr-9988	107	10	,	,	PUNCT
cblr-9988	107	11	2022	2022	NUM
cblr-9988	107	12	)	)	PUNCT
cblr-9988	107	13	.	.	PUNCT
cblr-9988	108	1	628	628	NUM
cblr-9988	108	2	columbia	columbia	PROPN
cblr-9988	108	3	business	business	NOUN
cblr-9988	108	4	law	law	PROPN
cblr-9988	108	5	review	review	NOUN
cblr-9988	108	6	[	[	X
cblr-9988	108	7	vol	vol	NOUN
cblr-9988	108	8	.	.	PUNCT
cblr-9988	109	1	2022	2022	NUM
cblr-9988	109	2	loans	loan	NOUN
cblr-9988	109	3	were	be	AUX
cblr-9988	109	4	administered.17	administered.17	NOUN
cblr-9988	109	5	excluding	exclude	VERB
cblr-9988	109	6	ppp	ppp	PROPN
cblr-9988	109	7	loan	loan	NOUN
cblr-9988	109	8	origination	origination	NOUN
cblr-9988	109	9	,	,	PUNCT
cblr-9988	109	10	new	new	ADJ
cblr-9988	109	11	small	small	ADJ
cblr-9988	109	12	business	business	NOUN
cblr-9988	109	13	lending	lending	NOUN
cblr-9988	109	14	increased	increase	VERB
cblr-9988	109	15	approximately	approximately	ADV
cblr-9988	109	16	thirtyeight	thirtyeight	ADJ
cblr-9988	109	17	percent	percent	NOUN
cblr-9988	109	18	from	from	ADP
cblr-9988	109	19	2020	2020	NUM
cblr-9988	109	20	to	to	ADP
cblr-9988	109	21	2021.18	2021.18	NUM
cblr-9988	109	22	credit	credit	NOUN
cblr-9988	109	23	underwriting	underwriting	NOUN
cblr-9988	109	24	standards	standard	NOUN
cblr-9988	109	25	for	for	ADP
cblr-9988	109	26	small	small	ADJ
cblr-9988	109	27	businesses	business	NOUN
cblr-9988	109	28	by	by	ADP
cblr-9988	109	29	banks	bank	NOUN
cblr-9988	109	30	tightened	tighten	VERB
cblr-9988	109	31	in	in	ADP
cblr-9988	109	32	the	the	DET
cblr-9988	109	33	years	year	NOUN
cblr-9988	109	34	following	follow	VERB
cblr-9988	109	35	the	the	DET
cblr-9988	109	36	2008	2008	NUM
cblr-9988	109	37	financial	financial	ADJ
cblr-9988	109	38	crisis	crisis	NOUN
cblr-9988	109	39	and	and	CCONJ
cblr-9988	109	40	remained	remain	VERB
cblr-9988	109	41	largely	largely	ADV
cblr-9988	109	42	unchanged	unchanged	ADJ
cblr-9988	109	43	until	until	SCONJ
cblr-9988	109	44	2018.19	2018.19	NUM
cblr-9988	109	45	credit	credit	NOUN
cblr-9988	109	46	standards	standard	NOUN
cblr-9988	109	47	tightened	tighten	VERB
cblr-9988	109	48	in	in	ADP
cblr-9988	109	49	2020	2020	NUM
cblr-9988	109	50	and	and	CCONJ
cblr-9988	109	51	2021.20	2021.20	NUM
cblr-9988	109	52	b.	b.	NOUN
cblr-9988	109	53	minority	minority	NOUN
cblr-9988	109	54	entrepreneurs	entrepreneur	NOUN
cblr-9988	109	55	face	face	VERB
cblr-9988	109	56	additional	additional	ADJ
cblr-9988	109	57	barriers	barrier	NOUN
cblr-9988	109	58	in	in	ADP
cblr-9988	109	59	obtaining	obtain	VERB
cblr-9988	109	60	loans	loan	NOUN
cblr-9988	109	61	while	while	SCONJ
cblr-9988	109	62	small	small	ADJ
cblr-9988	109	63	business	business	NOUN
cblr-9988	109	64	owners	owner	NOUN
cblr-9988	109	65	in	in	ADP
cblr-9988	109	66	general	general	ADJ
cblr-9988	109	67	face	face	VERB
cblr-9988	109	68	greater	great	ADJ
cblr-9988	109	69	difficulties	difficulty	NOUN
cblr-9988	109	70	in	in	ADP
cblr-9988	109	71	accessing	access	VERB
cblr-9988	109	72	credit	credit	NOUN
cblr-9988	109	73	from	from	ADP
cblr-9988	109	74	banks	bank	NOUN
cblr-9988	109	75	,	,	PUNCT
cblr-9988	109	76	minority	minority	NOUN
cblr-9988	109	77	business	business	NOUN
cblr-9988	109	78	owners	owner	NOUN
cblr-9988	109	79	often	often	ADV
cblr-9988	109	80	face	face	VERB
cblr-9988	109	81	additional	additional	ADJ
cblr-9988	109	82	challenges	challenge	NOUN
cblr-9988	109	83	.	.	PUNCT
cblr-9988	110	1	minorities	minority	NOUN
cblr-9988	110	2	often	often	ADV
cblr-9988	110	3	have	have	VERB
cblr-9988	110	4	lower	low	ADJ
cblr-9988	110	5	levels	level	NOUN
cblr-9988	110	6	of	of	ADP
cblr-9988	110	7	asset	asset	NOUN
cblr-9988	110	8	and	and	CCONJ
cblr-9988	110	9	wealth	wealth	NOUN
cblr-9988	110	10	along	along	ADP
cblr-9988	110	11	with	with	ADP
cblr-9988	110	12	limited	limited	ADJ
cblr-9988	110	13	credit	credit	NOUN
cblr-9988	110	14	information	information	NOUN
cblr-9988	110	15	than	than	SCONJ
cblr-9988	110	16	non	non	ADJ
cblr-9988	110	17	-	-	ADJ
cblr-9988	110	18	minorities.21	minorities.21	ADJ
cblr-9988	110	19	many	many	ADJ
cblr-9988	110	20	banks	bank	NOUN
cblr-9988	110	21	have	have	AUX
cblr-9988	110	22	left	leave	VERB
cblr-9988	110	23	low	low	ADJ
cblr-9988	110	24	17	17	NUM
cblr-9988	110	25	thomas	thomas	PROPN
cblr-9988	110	26	hobson	hobson	PROPN
cblr-9988	110	27	,	,	PUNCT
cblr-9988	110	28	loans	loan	NOUN
cblr-9988	110	29	secured	secure	VERB
cblr-9988	110	30	by	by	ADP
cblr-9988	110	31	small	small	ADJ
cblr-9988	110	32	business	business	NOUN
cblr-9988	110	33	administration	administration	NOUN
cblr-9988	110	34	guarantees	guarantee	NOUN
cblr-9988	110	35	drive	drive	VERB
cblr-9988	110	36	large	large	ADJ
cblr-9988	110	37	increases	increase	NOUN
cblr-9988	110	38	in	in	ADP
cblr-9988	110	39	new	new	ADJ
cblr-9988	110	40	small	small	ADJ
cblr-9988	110	41	business	business	NOUN
cblr-9988	110	42	c&i	c&i	PROPN
cblr-9988	110	43	lending	lending	NOUN
cblr-9988	110	44	,	,	PUNCT
cblr-9988	110	45	fed	fed	PROPN
cblr-9988	110	46	.	.	PUNCT
cblr-9988	110	47	rsrv	rsrv	PROPN
cblr-9988	110	48	.	.	PUNCT
cblr-9988	111	1	bank	bank	PROPN
cblr-9988	111	2	of	of	ADP
cblr-9988	111	3	kan	kan	PROPN
cblr-9988	111	4	.	.	PUNCT
cblr-9988	112	1	city	city	PROPN
cblr-9988	112	2	(	(	PUNCT
cblr-9988	112	3	sept	sept	PROPN
cblr-9988	112	4	.	.	PROPN
cblr-9988	112	5	29	29	NUM
cblr-9988	112	6	,	,	PUNCT
cblr-9988	112	7	2020	2020	NUM
cblr-9988	112	8	)	)	PUNCT
cblr-9988	112	9	,	,	PUNCT
cblr-9988	112	10	https://www.kansascityfed.org/surveys/small-business-lendingsurvey/2020q3-loans-secured-by-small-business-administrationguarantees-drive-large-increases/	https://www.kansascityfed.org/surveys/small-business-lendingsurvey/2020q3-loans-secured-by-small-business-administrationguarantees-drive-large-increases/	PROPN
cblr-9988	113	1	[	[	X
cblr-9988	113	2	https://perma.cc/kl6x-zma2	https://perma.cc/kl6x-zma2	NOUN
cblr-9988	113	3	]	]	X
cblr-9988	113	4	.	.	PUNCT
cblr-9988	114	1	18	18	NUM
cblr-9988	114	2	dustyn	dustyn	ADJ
cblr-9988	114	3	despain	despain	PROPN
cblr-9988	114	4	&	&	CCONJ
cblr-9988	114	5	thomas	thomas	PROPN
cblr-9988	114	6	hobson	hobson	PROPN
cblr-9988	114	7	,	,	PUNCT
cblr-9988	114	8	small	small	ADJ
cblr-9988	114	9	business	business	NOUN
cblr-9988	114	10	lending	lending	NOUN
cblr-9988	114	11	normalizes	normalize	VERB
cblr-9988	114	12	in	in	ADP
cblr-9988	114	13	the	the	DET
cblr-9988	114	14	fourth	fourth	ADJ
cblr-9988	114	15	quarter	quarter	NOUN
cblr-9988	114	16	,	,	PUNCT
cblr-9988	114	17	fed	fed	PROPN
cblr-9988	114	18	.	.	PUNCT
cblr-9988	114	19	rsrv	rsrv	PROPN
cblr-9988	114	20	.	.	PUNCT
cblr-9988	115	1	bank	bank	PROPN
cblr-9988	115	2	of	of	ADP
cblr-9988	115	3	kan	kan	PROPN
cblr-9988	115	4	.	.	PUNCT
cblr-9988	116	1	city	city	PROPN
cblr-9988	116	2	(	(	PUNCT
cblr-9988	116	3	mar	mar	PROPN
cblr-9988	116	4	.	.	PROPN
cblr-9988	116	5	29	29	NUM
cblr-9988	116	6	,	,	PUNCT
cblr-9988	116	7	2022	2022	NUM
cblr-9988	116	8	)	)	PUNCT
cblr-9988	116	9	,	,	PUNCT
cblr-9988	116	10	https://www.kansascityfed.org/surveys/small-business-lendingsurvey/small-business-lending-normalizes-in-the-fourth-quarter/	https://www.kansascityfed.org/surveys/small-business-lendingsurvey/small-business-lending-normalizes-in-the-fourth-quarter/	X
cblr-9988	117	1	[	[	X
cblr-9988	117	2	https://perma.cc/vs8z-bumu	https://perma.cc/vs8z-bumu	NOUN
cblr-9988	117	3	]	]	X
cblr-9988	117	4	.	.	PUNCT
cblr-9988	117	5	19	19	NUM
cblr-9988	117	6	off	off	ADP
cblr-9988	117	7	.	.	PUNCT
cblr-9988	118	1	of	of	ADP
cblr-9988	118	2	the	the	DET
cblr-9988	118	3	comptroller	comptroller	NOUN
cblr-9988	118	4	of	of	ADP
cblr-9988	118	5	currency	currency	NOUN
cblr-9988	118	6	,	,	PUNCT
cblr-9988	118	7	2016	2016	NUM
cblr-9988	118	8	survey	survey	NOUN
cblr-9988	118	9	of	of	ADP
cblr-9988	118	10	credit	credit	NOUN
cblr-9988	118	11	underwriting	underwriting	NOUN
cblr-9988	118	12	practices	practice	NOUN
cblr-9988	118	13	10	10	NUM
cblr-9988	118	14	tbl.10	tbl.10	NOUN
cblr-9988	118	15	(	(	PUNCT
cblr-9988	118	16	2016	2016	NUM
cblr-9988	118	17	)	)	PUNCT
cblr-9988	118	18	,	,	PUNCT
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cblr-9988	118	20	[	[	X
cblr-9988	118	21	https://perma.cc/dyc5-cm9a	https://perma.cc/dyc5-cm9a	X
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cblr-9988	118	23	(	(	PUNCT
cblr-9988	118	24	showing	show	VERB
cblr-9988	118	25	that	that	SCONJ
cblr-9988	118	26	over	over	ADP
cblr-9988	118	27	60	60	NUM
cblr-9988	118	28	%	%	NOUN
cblr-9988	118	29	of	of	ADP
cblr-9988	118	30	banks	bank	NOUN
cblr-9988	118	31	tightened	tighten	VERB
cblr-9988	118	32	their	their	PRON
cblr-9988	118	33	small	small	ADJ
cblr-9988	118	34	business	business	NOUN
cblr-9988	118	35	credit	credit	NOUN
cblr-9988	118	36	underwriting	underwriting	NOUN
cblr-9988	118	37	criteria	criterion	NOUN
cblr-9988	118	38	in	in	ADP
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cblr-9988	118	40	and	and	CCONJ
cblr-9988	118	41	2010	2010	NUM
cblr-9988	118	42	and	and	CCONJ
cblr-9988	118	43	around	around	ADV
cblr-9988	118	44	80	80	NUM
cblr-9988	118	45	%	%	NOUN
cblr-9988	118	46	of	of	ADP
cblr-9988	118	47	banks	bank	NOUN
cblr-9988	118	48	’	'	PUNCT
cblr-9988	118	49	criteria	criterion	NOUN
cblr-9988	118	50	has	have	AUX
cblr-9988	118	51	remain	remain	VERB
cblr-9988	118	52	unchanged	unchanged	ADJ
cblr-9988	118	53	since	since	SCONJ
cblr-9988	118	54	2012	2012	NUM
cblr-9988	118	55	)	)	PUNCT
cblr-9988	118	56	.	.	PUNCT
cblr-9988	119	1	the	the	DET
cblr-9988	119	2	occ	occ	PROPN
cblr-9988	119	3	survey	survey	NOUN
cblr-9988	119	4	assessed	assess	VERB
cblr-9988	119	5	the	the	DET
cblr-9988	119	6	underwriting	underwriting	NOUN
cblr-9988	119	7	practices	practice	NOUN
cblr-9988	119	8	of	of	ADP
cblr-9988	119	9	93	93	NUM
cblr-9988	119	10	%	%	NOUN
cblr-9988	119	11	banks	bank	NOUN
cblr-9988	119	12	representing	represent	VERB
cblr-9988	119	13	92	92	NUM
cblr-9988	119	14	%	%	NOUN
cblr-9988	119	15	of	of	ADP
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cblr-9988	119	17	total	total	ADJ
cblr-9988	119	18	assets	asset	NOUN
cblr-9988	119	19	and	and	CCONJ
cblr-9988	119	20	90	90	NUM
cblr-9988	119	21	%	%	NOUN
cblr-9988	119	22	of	of	ADP
cblr-9988	119	23	gross	gross	ADJ
cblr-9988	119	24	loans	loan	NOUN
cblr-9988	119	25	in	in	ADP
cblr-9988	119	26	the	the	DET
cblr-9988	119	27	federal	federal	ADJ
cblr-9988	119	28	banking	banking	NOUN
cblr-9988	119	29	system	system	NOUN
cblr-9988	119	30	.	.	PUNCT
cblr-9988	120	1	i	i	PRON
cblr-9988	120	2	d.	d.	PROPN
cblr-9988	120	3	at	at	ADP
cblr-9988	120	4	1	1	NUM
cblr-9988	120	5	;	;	PUNCT
cblr-9988	120	6	see	see	VERB
cblr-9988	120	7	also	also	ADV
cblr-9988	120	8	morris	morris	PROPN
cblr-9988	120	9	&	&	CCONJ
cblr-9988	120	10	regehr	regehr	PROPN
cblr-9988	120	11	,	,	PUNCT
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cblr-9988	120	13	note	note	PROPN
cblr-9988	120	14	15	15	NUM
cblr-9988	120	15	(	(	PUNCT
cblr-9988	120	16	showing	show	VERB
cblr-9988	120	17	credit	credit	NOUN
cblr-9988	120	18	standards	standard	NOUN
cblr-9988	120	19	remain	remain	VERB
cblr-9988	120	20	unchanged	unchanged	ADJ
cblr-9988	120	21	from	from	ADP
cblr-9988	120	22	2017	2017	NUM
cblr-9988	120	23	to	to	ADP
cblr-9988	120	24	2018	2018	NUM
cblr-9988	120	25	)	)	PUNCT
cblr-9988	120	26	.	.	PUNCT
cblr-9988	121	1	20	20	NUM
cblr-9988	121	2	hobson	hobson	PROPN
cblr-9988	121	3	,	,	PUNCT
cblr-9988	121	4	supra	supra	PROPN
cblr-9988	121	5	note	note	PROPN
cblr-9988	121	6	17	17	NUM
cblr-9988	121	7	(	(	PUNCT
cblr-9988	121	8	showing	show	VERB
cblr-9988	121	9	credit	credit	NOUN
cblr-9988	121	10	standards	standard	NOUN
cblr-9988	121	11	tightened	tighten	VERB
cblr-9988	121	12	in	in	ADP
cblr-9988	121	13	2020	2020	NUM
cblr-9988	121	14	)	)	PUNCT
cblr-9988	121	15	;	;	PUNCT
cblr-9988	121	16	despain	despain	PROPN
cblr-9988	121	17	&	&	CCONJ
cblr-9988	121	18	hobson	hobson	PROPN
cblr-9988	121	19	,	,	PUNCT
cblr-9988	121	20	supra	supra	PROPN
cblr-9988	121	21	note	note	PROPN
cblr-9988	121	22	18	18	NUM
cblr-9988	121	23	(	(	PUNCT
cblr-9988	121	24	showing	show	VERB
cblr-9988	121	25	credit	credit	NOUN
cblr-9988	121	26	standards	standard	NOUN
cblr-9988	121	27	tightened	tighten	VERB
cblr-9988	121	28	in	in	ADP
cblr-9988	121	29	2021	2021	NUM
cblr-9988	121	30	)	)	PUNCT
cblr-9988	121	31	.	.	PUNCT
cblr-9988	122	1	21	21	NUM
cblr-9988	122	2	see	see	VERB
cblr-9988	122	3	infra	infra	NOUN
cblr-9988	122	4	notes	note	NOUN
cblr-9988	122	5	25–28	25–28	NUM
cblr-9988	122	6	and	and	CCONJ
cblr-9988	122	7	accompanying	accompany	VERB
cblr-9988	122	8	text	text	NOUN
cblr-9988	122	9	.	.	PUNCT
cblr-9988	123	1	no	no	INTJ
cblr-9988	123	2	.	.	PUNCT
cblr-9988	124	1	1:621	1:621	NUM
cblr-9988	124	2	]	]	X
cblr-9988	124	3	expand	expand	VERB
cblr-9988	124	4	online	online	ADJ
cblr-9988	124	5	lending	lending	NOUN
cblr-9988	124	6	to	to	ADP
cblr-9988	124	7	minority	minority	NOUN
cblr-9988	124	8	business	business	NOUN
cblr-9988	124	9	owners	owner	NOUN
cblr-9988	124	10	629	629	NUM
cblr-9988	124	11	income	income	NOUN
cblr-9988	124	12	communities	community	NOUN
cblr-9988	124	13	that	that	PRON
cblr-9988	124	14	have	have	VERB
cblr-9988	124	15	high	high	ADJ
cblr-9988	124	16	minority	minority	NOUN
cblr-9988	124	17	populations	population	NOUN
cblr-9988	124	18	,	,	PUNCT
cblr-9988	124	19	leaving	leave	VERB
cblr-9988	124	20	the	the	DET
cblr-9988	124	21	residents	resident	NOUN
cblr-9988	124	22	in	in	ADP
cblr-9988	124	23	these	these	DET
cblr-9988	124	24	neighborhoods	neighborhood	NOUN
cblr-9988	124	25	unbanked.22	unbanked.22	ADJ
cblr-9988	124	26	banks	bank	NOUN
cblr-9988	124	27	that	that	PRON
cblr-9988	124	28	do	do	AUX
cblr-9988	124	29	serve	serve	VERB
cblr-9988	124	30	these	these	DET
cblr-9988	124	31	communities	community	NOUN
cblr-9988	124	32	are	be	AUX
cblr-9988	124	33	less	less	ADV
cblr-9988	124	34	profitable	profitable	ADJ
cblr-9988	124	35	and	and	CCONJ
cblr-9988	124	36	more	more	ADV
cblr-9988	124	37	exposed	expose	VERB
cblr-9988	124	38	to	to	ADP
cblr-9988	124	39	risk	risk	NOUN
cblr-9988	124	40	during	during	ADP
cblr-9988	124	41	economic	economic	ADJ
cblr-9988	124	42	downturns	downturn	NOUN
cblr-9988	124	43	.	.	PUNCT
cblr-9988	125	1	black	black	ADJ
cblr-9988	125	2	entrepreneurs	entrepreneur	NOUN
cblr-9988	125	3	in	in	ADP
cblr-9988	125	4	particular	particular	ADJ
cblr-9988	125	5	face	face	VERB
cblr-9988	125	6	greater	great	ADJ
cblr-9988	125	7	challenges	challenge	NOUN
cblr-9988	125	8	in	in	ADP
cblr-9988	125	9	accessing	access	VERB
cblr-9988	125	10	credit	credit	NOUN
cblr-9988	125	11	because	because	SCONJ
cblr-9988	125	12	of	of	ADP
cblr-9988	125	13	government	government	NOUN
cblr-9988	125	14	policy	policy	NOUN
cblr-9988	125	15	that	that	PRON
cblr-9988	125	16	segregated	segregate	VERB
cblr-9988	125	17	black	black	ADJ
cblr-9988	125	18	communities	community	NOUN
cblr-9988	125	19	from	from	ADP
cblr-9988	125	20	the	the	DET
cblr-9988	125	21	mainstream	mainstream	NOUN
cblr-9988	125	22	economy.23	economy.23	NOUN
cblr-9988	125	23	reforms	reform	NOUN
cblr-9988	125	24	to	to	PART
cblr-9988	125	25	address	address	VERB
cblr-9988	125	26	these	these	DET
cblr-9988	125	27	challenges	challenge	NOUN
cblr-9988	125	28	,	,	PUNCT
cblr-9988	125	29	such	such	ADJ
cblr-9988	125	30	as	as	ADP
cblr-9988	125	31	the	the	DET
cblr-9988	125	32	community	community	NOUN
cblr-9988	125	33	development	development	NOUN
cblr-9988	125	34	financial	financial	PROPN
cblr-9988	125	35	institution	institution	NOUN
cblr-9988	125	36	fund	fund	NOUN
cblr-9988	125	37	(	(	PUNCT
cblr-9988	125	38	“	"	PUNCT
cblr-9988	125	39	cdfi	cdfi	PROPN
cblr-9988	125	40	fund	fund	NOUN
cblr-9988	125	41	”	"	PUNCT
cblr-9988	125	42	)	)	PUNCT
cblr-9988	125	43	and	and	CCONJ
cblr-9988	125	44	the	the	DET
cblr-9988	125	45	community	community	NOUN
cblr-9988	125	46	reinvestment	reinvestment	NOUN
cblr-9988	125	47	act	act	NOUN
cblr-9988	125	48	(	(	PUNCT
cblr-9988	125	49	cra	cra	PROPN
cblr-9988	125	50	)	)	PUNCT
cblr-9988	125	51	have	have	AUX
cblr-9988	125	52	had	have	VERB
cblr-9988	125	53	limited	limit	VERB
cblr-9988	125	54	success	success	NOUN
cblr-9988	125	55	closing	close	VERB
cblr-9988	125	56	the	the	DET
cblr-9988	125	57	gap	gap	NOUN
cblr-9988	125	58	in	in	ADP
cblr-9988	125	59	access	access	NOUN
cblr-9988	125	60	to	to	ADP
cblr-9988	125	61	credit	credit	NOUN
cblr-9988	125	62	for	for	ADP
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cblr-9988	125	64	-	-	PUNCT
cblr-9988	125	65	income	income	NOUN
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cblr-9988	125	67	borrowers.24	borrowers.24	NOUN
cblr-9988	125	68	as	as	ADP
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cblr-9988	125	75	to	to	PART
cblr-9988	125	76	face	face	VERB
cblr-9988	125	77	greater	great	ADJ
cblr-9988	125	78	challenges	challenge	NOUN
cblr-9988	125	79	accessing	access	VERB
cblr-9988	125	80	credit	credit	NOUN
cblr-9988	125	81	.	.	PUNCT
cblr-9988	126	1	1	1	X
cblr-9988	126	2	.	.	X
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cblr-9988	126	4	entrepreneurs	entrepreneur	NOUN
cblr-9988	126	5	often	often	ADV
cblr-9988	126	6	have	have	VERB
cblr-9988	126	7	lower	low	ADJ
cblr-9988	126	8	levels	level	NOUN
cblr-9988	126	9	of	of	ADP
cblr-9988	126	10	assets	asset	NOUN
cblr-9988	126	11	and	and	CCONJ
cblr-9988	126	12	wealth	wealth	NOUN
cblr-9988	126	13	,	,	PUNCT
cblr-9988	126	14	leading	lead	VERB
cblr-9988	126	15	to	to	ADP
cblr-9988	126	16	an	an	DET
cblr-9988	126	17	information	information	NOUN
cblr-9988	126	18	asymmetry	asymmetry	NOUN
cblr-9988	126	19	minority	minority	NOUN
cblr-9988	126	20	entrepreneurs	entrepreneur	NOUN
cblr-9988	126	21	face	face	VERB
cblr-9988	126	22	additional	additional	ADJ
cblr-9988	126	23	obstacles	obstacle	NOUN
cblr-9988	126	24	in	in	ADP
cblr-9988	126	25	obtaining	obtain	VERB
cblr-9988	126	26	loans	loan	NOUN
cblr-9988	126	27	as	as	ADP
cblr-9988	126	28	many	many	ADJ
cblr-9988	126	29	lack	lack	VERB
cblr-9988	126	30	the	the	DET
cblr-9988	126	31	credit	credit	NOUN
cblr-9988	126	32	data	datum	NOUN
cblr-9988	126	33	used	use	VERB
cblr-9988	126	34	by	by	ADP
cblr-9988	126	35	large	large	ADJ
cblr-9988	126	36	banks	bank	NOUN
cblr-9988	126	37	to	to	PART
cblr-9988	126	38	underwrite	underwrite	VERB
cblr-9988	126	39	loans	loan	NOUN
cblr-9988	126	40	.	.	PUNCT
cblr-9988	127	1	racial	racial	ADJ
cblr-9988	127	2	minorities	minority	NOUN
cblr-9988	127	3	and	and	CCONJ
cblr-9988	127	4	recent	recent	ADJ
cblr-9988	127	5	immigrants	immigrant	NOUN
cblr-9988	127	6	are	be	AUX
cblr-9988	127	7	less	less	ADV
cblr-9988	127	8	likely	likely	ADJ
cblr-9988	127	9	to	to	PART
cblr-9988	127	10	have	have	VERB
cblr-9988	127	11	sufficient	sufficient	ADJ
cblr-9988	127	12	credit	credit	NOUN
cblr-9988	127	13	history	history	NOUN
cblr-9988	127	14	to	to	PART
cblr-9988	127	15	have	have	VERB
cblr-9988	127	16	a	a	DET
cblr-9988	127	17	personal	personal	ADJ
cblr-9988	127	18	credit	credit	NOUN
cblr-9988	127	19	score	score	NOUN
cblr-9988	127	20	,	,	PUNCT
cblr-9988	127	21	and	and	CCONJ
cblr-9988	127	22	those	those	PRON
cblr-9988	127	23	who	who	PRON
cblr-9988	127	24	do	do	AUX
cblr-9988	127	25	tend	tend	VERB
cblr-9988	127	26	to	to	PART
cblr-9988	127	27	have	have	VERB
cblr-9988	127	28	lower	low	ADJ
cblr-9988	127	29	scores.25	scores.25	NOUN
cblr-9988	127	30	in	in	ADP
cblr-9988	127	31	addition	addition	NOUN
cblr-9988	127	32	,	,	PUNCT
cblr-9988	127	33	due	due	ADP
cblr-9988	127	34	to	to	ADP
cblr-9988	127	35	a	a	DET
cblr-9988	127	36	history	history	NOUN
cblr-9988	127	37	of	of	ADP
cblr-9988	127	38	redlining	redline	VERB
cblr-9988	127	39	and	and	CCONJ
cblr-9988	127	40	segregation,26	segregation,26	NOUN
cblr-9988	127	41	the	the	DET
cblr-9988	127	42	wealth	wealth	NOUN
cblr-9988	127	43	gap	gap	NOUN
cblr-9988	127	44	between	between	ADP
cblr-9988	127	45	white	white	ADJ
cblr-9988	127	46	and	and	CCONJ
cblr-9988	127	47	black	black	ADJ
cblr-9988	127	48	families	family	NOUN
cblr-9988	127	49	remains	remain	VERB
cblr-9988	127	50	wide.27	wide.27	NOUN
cblr-9988	127	51	with	with	ADP
cblr-9988	127	52	less	less	ADJ
cblr-9988	127	53	wealth	wealth	NOUN
cblr-9988	127	54	,	,	PUNCT
cblr-9988	127	55	black	black	ADJ
cblr-9988	127	56	borrowers	borrower	NOUN
cblr-9988	128	1	22	22	NUM
cblr-9988	128	2	see	see	VERB
cblr-9988	128	3	infra	infra	NOUN
cblr-9988	128	4	notes	note	VERB
cblr-9988	128	5	28–32	28–32	NUM
cblr-9988	128	6	and	and	CCONJ
cblr-9988	128	7	accompanying	accompany	VERB
cblr-9988	128	8	text	text	NOUN
cblr-9988	128	9	.	.	PUNCT
cblr-9988	129	1	23	23	NUM
cblr-9988	129	2	see	see	VERB
cblr-9988	129	3	infra	infra	NOUN
cblr-9988	129	4	section	section	NOUN
cblr-9988	129	5	ii.a.ii	ii.a.ii	PROPN
cblr-9988	129	6	.	.	NOUN
cblr-9988	129	7	24	24	NUM
cblr-9988	129	8	see	see	NOUN
cblr-9988	129	9	infra	infra	NOUN
cblr-9988	129	10	section	section	NOUN
cblr-9988	129	11	ii.a.iii	ii.a.iii	NOUN
cblr-9988	129	12	.	.	PUNCT
cblr-9988	130	1	25	25	NUM
cblr-9988	130	2	finreg	finreg	NOUN
cblr-9988	130	3	lab	lab	NOUN
cblr-9988	130	4	,	,	PUNCT
cblr-9988	130	5	supra	supra	ADJ
cblr-9988	130	6	note	note	NOUN
cblr-9988	130	7	4	4	NUM
cblr-9988	130	8	,	,	PUNCT
cblr-9988	130	9	at	at	ADP
cblr-9988	130	10	9	9	NUM
cblr-9988	130	11	.	.	SYM
cblr-9988	130	12	26	26	NUM
cblr-9988	130	13	see	see	VERB
cblr-9988	130	14	mehrsa	mehrsa	PROPN
cblr-9988	130	15	baradaran	baradaran	PROPN
cblr-9988	130	16	,	,	PUNCT
cblr-9988	130	17	the	the	DET
cblr-9988	130	18	color	color	NOUN
cblr-9988	130	19	of	of	ADP
cblr-9988	130	20	money	money	NOUN
cblr-9988	130	21	:	:	PUNCT
cblr-9988	130	22	black	black	ADJ
cblr-9988	130	23	banks	bank	NOUN
cblr-9988	130	24	and	and	CCONJ
cblr-9988	130	25	the	the	DET
cblr-9988	130	26	racial	racial	ADJ
cblr-9988	130	27	wealth	wealth	NOUN
cblr-9988	130	28	gap	gap	NOUN
cblr-9988	130	29	107–08	107–08	NUM
cblr-9988	130	30	(	(	PUNCT
cblr-9988	130	31	2017	2017	NUM
cblr-9988	130	32	)	)	PUNCT
cblr-9988	130	33	(	(	PUNCT
cblr-9988	130	34	explaining	explain	VERB
cblr-9988	130	35	how	how	SCONJ
cblr-9988	130	36	fair	fair	ADJ
cblr-9988	130	37	housing	housing	NOUN
cblr-9988	130	38	act	act	NOUN
cblr-9988	130	39	policies	policy	NOUN
cblr-9988	130	40	encouraged	encourage	VERB
cblr-9988	130	41	banks	bank	NOUN
cblr-9988	130	42	,	,	PUNCT
cblr-9988	130	43	homeowners	homeowner	NOUN
cblr-9988	130	44	,	,	PUNCT
cblr-9988	130	45	and	and	CCONJ
cblr-9988	130	46	realtors	realtor	NOUN
cblr-9988	130	47	to	to	PART
cblr-9988	130	48	enforce	enforce	VERB
cblr-9988	130	49	segregation	segregation	NOUN
cblr-9988	130	50	)	)	PUNCT
cblr-9988	130	51	.	.	PUNCT
cblr-9988	131	1	27	27	NUM
cblr-9988	132	1	the	the	DET
cblr-9988	132	2	average	average	ADJ
cblr-9988	132	3	household	household	NOUN
cblr-9988	132	4	net	net	NOUN
cblr-9988	132	5	worth	worth	NOUN
cblr-9988	132	6	of	of	ADP
cblr-9988	132	7	a	a	DET
cblr-9988	132	8	black	black	ADJ
cblr-9988	132	9	family	family	NOUN
cblr-9988	132	10	in	in	ADP
cblr-9988	132	11	the	the	DET
cblr-9988	132	12	united	united	PROPN
cblr-9988	132	13	states	states	PROPN
cblr-9988	132	14	is	be	AUX
cblr-9988	132	15	$	$	SYM
cblr-9988	132	16	15,000	15,000	NUM
cblr-9988	132	17	to	to	PART
cblr-9988	132	18	$	$	SYM
cblr-9988	132	19	25,000	25,000	NUM
cblr-9988	132	20	,	,	PUNCT
cblr-9988	132	21	while	while	SCONJ
cblr-9988	132	22	the	the	DET
cblr-9988	132	23	average	average	ADJ
cblr-9988	132	24	household	household	NOUN
cblr-9988	132	25	net	net	NOUN
cblr-9988	132	26	worth	worth	NOUN
cblr-9988	132	27	of	of	ADP
cblr-9988	132	28	a	a	DET
cblr-9988	132	29	white	white	ADJ
cblr-9988	132	30	family	family	NOUN
cblr-9988	132	31	is	be	AUX
cblr-9988	132	32	$	$	SYM
cblr-9988	132	33	115,000	115,000	NUM
cblr-9988	132	34	to	to	PART
cblr-9988	132	35	$	$	SYM
cblr-9988	132	36	200,000	200,000	NUM
cblr-9988	132	37	.	.	PUNCT
cblr-9988	133	1	citi	citi	PROPN
cblr-9988	133	2	gps	gps	PROPN
cblr-9988	133	3	:	:	PUNCT
cblr-9988	133	4	glob	glob	NOUN
cblr-9988	133	5	.	.	PUNCT
cblr-9988	133	6	perspectives	perspective	NOUN
cblr-9988	133	7	&	&	CCONJ
cblr-9988	133	8	solutions	solution	NOUN
cblr-9988	133	9	,	,	PUNCT
cblr-9988	133	10	closing	close	VERB
cblr-9988	133	11	the	the	DET
cblr-9988	133	12	racial	racial	ADJ
cblr-9988	133	13	inequality	inequality	NOUN
cblr-9988	133	14	gaps	gap	VERB
cblr-9988	133	15	:	:	PUNCT
cblr-9988	133	16	the	the	DET
cblr-9988	133	17	economic	economic	ADJ
cblr-9988	133	18	cost	cost	NOUN
cblr-9988	133	19	of	of	ADP
cblr-9988	133	20	black	black	ADJ
cblr-9988	133	21	inequality	inequality	NOUN
cblr-9988	133	22	in	in	ADP
cblr-9988	133	23	the	the	DET
cblr-9988	133	24	u.s	u.s	PROPN
cblr-9988	133	25	.	.	PROPN
cblr-9988	133	26	34	34	NUM
cblr-9988	133	27	(	(	PUNCT
cblr-9988	133	28	2020	2020	NUM
cblr-9988	133	29	)	)	PUNCT
cblr-9988	133	30	,	,	PUNCT
cblr-9988	133	31	https://eaccny.com/wp	https://eaccny.com/wp	PROPN
cblr-9988	133	32	630	630	NUM
cblr-9988	133	33	columbia	columbia	PROPN
cblr-9988	133	34	business	business	NOUN
cblr-9988	133	35	law	law	PROPN
cblr-9988	133	36	review	review	NOUN
cblr-9988	133	37	[	[	X
cblr-9988	133	38	vol	vol	NOUN
cblr-9988	133	39	.	.	PUNCT
cblr-9988	133	40	2022	2022	NUM
cblr-9988	133	41	have	have	VERB
cblr-9988	133	42	less	less	ADJ
cblr-9988	133	43	financial	financial	ADJ
cblr-9988	133	44	and	and	CCONJ
cblr-9988	133	45	non	non	ADJ
cblr-9988	133	46	-	-	ADJ
cblr-9988	133	47	financial	financial	ADJ
cblr-9988	133	48	assets	asset	NOUN
cblr-9988	133	49	that	that	PRON
cblr-9988	133	50	can	can	AUX
cblr-9988	133	51	serve	serve	VERB
cblr-9988	133	52	as	as	ADP
cblr-9988	133	53	collateral	collateral	NOUN
cblr-9988	133	54	,	,	PUNCT
cblr-9988	133	55	inhibiting	inhibit	VERB
cblr-9988	133	56	their	their	PRON
cblr-9988	133	57	ability	ability	NOUN
cblr-9988	133	58	to	to	PART
cblr-9988	133	59	access	access	VERB
cblr-9988	133	60	credit.28	credit.28	PROPN
cblr-9988	133	61	furthermore	furthermore	ADV
cblr-9988	133	62	,	,	PUNCT
cblr-9988	133	63	those	those	PRON
cblr-9988	133	64	in	in	ADP
cblr-9988	133	65	minority	minority	NOUN
cblr-9988	133	66	communities	community	NOUN
cblr-9988	133	67	are	be	AUX
cblr-9988	133	68	more	more	ADV
cblr-9988	133	69	likely	likely	ADJ
cblr-9988	133	70	to	to	PART
cblr-9988	133	71	be	be	AUX
cblr-9988	133	72	unbanked	unbanked	ADJ
cblr-9988	133	73	.	.	PUNCT
cblr-9988	134	1	forty	forty	NUM
cblr-9988	134	2	-	-	PUNCT
cblr-9988	134	3	four	four	NUM
cblr-9988	134	4	percent	percent	NOUN
cblr-9988	134	5	of	of	ADP
cblr-9988	134	6	black	black	ADJ
cblr-9988	134	7	households	household	NOUN
cblr-9988	134	8	and	and	CCONJ
cblr-9988	134	9	forty	forty	NUM
cblr-9988	134	10	-	-	PUNCT
cblr-9988	134	11	three	three	NUM
cblr-9988	134	12	percent	percent	NOUN
cblr-9988	134	13	of	of	ADP
cblr-9988	134	14	hispanic	hispanic	ADJ
cblr-9988	134	15	households	household	NOUN
cblr-9988	134	16	reported	report	VERB
cblr-9988	134	17	being	be	AUX
cblr-9988	134	18	unbanked	unbanked	ADJ
cblr-9988	134	19	or	or	CCONJ
cblr-9988	134	20	underbanked	underbanked	ADJ
cblr-9988	134	21	,	,	PUNCT
cblr-9988	134	22	while	while	SCONJ
cblr-9988	134	23	seventeen	seventeen	NUM
cblr-9988	134	24	percent	percent	NOUN
cblr-9988	134	25	of	of	ADP
cblr-9988	134	26	white	white	ADJ
cblr-9988	134	27	households	household	NOUN
cblr-9988	134	28	reported	report	VERB
cblr-9988	134	29	the	the	DET
cblr-9988	134	30	same.29	same.29	NOUN
cblr-9988	134	31	from	from	ADP
cblr-9988	134	32	2008	2008	NUM
cblr-9988	134	33	to	to	ADP
cblr-9988	134	34	2013	2013	NUM
cblr-9988	134	35	,	,	PUNCT
cblr-9988	134	36	banks	bank	NOUN
cblr-9988	134	37	shut	shut	VERB
cblr-9988	134	38	down	down	ADP
cblr-9988	134	39	2000	2000	NUM
cblr-9988	134	40	branches	branch	NOUN
cblr-9988	134	41	,	,	PUNCT
cblr-9988	134	42	ninety	ninety	NUM
cblr-9988	134	43	-	-	PUNCT
cblr-9988	134	44	three	three	NUM
cblr-9988	134	45	percent	percent	NOUN
cblr-9988	134	46	of	of	ADP
cblr-9988	134	47	which	which	PRON
cblr-9988	134	48	were	be	AUX
cblr-9988	134	49	located	locate	VERB
cblr-9988	134	50	in	in	ADP
cblr-9988	134	51	postal	postal	ADJ
cblr-9988	134	52	codes	code	NOUN
cblr-9988	134	53	where	where	SCONJ
cblr-9988	134	54	the	the	DET
cblr-9988	134	55	household	household	NOUN
cblr-9988	134	56	income	income	NOUN
cblr-9988	134	57	was	be	AUX
cblr-9988	134	58	below	below	ADP
cblr-9988	134	59	the	the	DET
cblr-9988	134	60	national	national	ADJ
cblr-9988	134	61	median.30	median.30	NOUN
cblr-9988	134	62	community	community	NOUN
cblr-9988	134	63	banks	bank	NOUN
cblr-9988	134	64	are	be	AUX
cblr-9988	134	65	rapidly	rapidly	ADV
cblr-9988	134	66	disappearing	disappear	VERB
cblr-9988	134	67	from	from	ADP
cblr-9988	134	68	urban	urban	ADJ
cblr-9988	134	69	areas,31	areas,31	NOUN
cblr-9988	134	70	where	where	SCONJ
cblr-9988	134	71	many	many	ADJ
cblr-9988	134	72	minority	minority	NOUN
cblr-9988	134	73	communities	community	NOUN
cblr-9988	134	74	are	be	AUX
cblr-9988	134	75	located.32	located.32	ADJ
cblr-9988	134	76	because	because	SCONJ
cblr-9988	134	77	of	of	ADP
cblr-9988	134	78	this	this	DET
cblr-9988	134	79	limited	limited	ADJ
cblr-9988	134	80	access	access	NOUN
cblr-9988	134	81	to	to	ADP
cblr-9988	134	82	banks	bank	NOUN
cblr-9988	134	83	,	,	PUNCT
cblr-9988	134	84	many	many	ADJ
cblr-9988	134	85	unbanked	unbanked	ADJ
cblr-9988	134	86	individuals	individual	NOUN
cblr-9988	134	87	turn	turn	VERB
cblr-9988	134	88	to	to	ADP
cblr-9988	134	89	alternative	alternative	ADJ
cblr-9988	134	90	financial	financial	ADJ
cblr-9988	134	91	lenders	lender	NOUN
cblr-9988	134	92	for	for	ADP
cblr-9988	134	93	financing.33	financing.33	PROPN
cblr-9988	134	94	2	2	NUM
cblr-9988	134	95	.	.	PUNCT
cblr-9988	134	96	minority	minority	NOUN
cblr-9988	134	97	business	business	NOUN
cblr-9988	134	98	owners	owner	NOUN
cblr-9988	134	99	tend	tend	VERB
cblr-9988	134	100	to	to	PART
cblr-9988	134	101	suffer	suffer	VERB
cblr-9988	134	102	greater	great	ADJ
cblr-9988	134	103	economic	economic	ADJ
cblr-9988	134	104	losses	loss	NOUN
cblr-9988	134	105	during	during	ADP
cblr-9988	134	106	economic	economic	ADJ
cblr-9988	134	107	recessions	recession	NOUN
cblr-9988	134	108	businesses	business	NOUN
cblr-9988	134	109	operating	operate	VERB
cblr-9988	134	110	in	in	ADP
cblr-9988	134	111	minority	minority	NOUN
cblr-9988	134	112	communities	community	NOUN
cblr-9988	134	113	are	be	AUX
cblr-9988	134	114	more	more	ADV
cblr-9988	134	115	vulnerable	vulnerable	ADJ
cblr-9988	134	116	than	than	ADP
cblr-9988	134	117	their	their	PRON
cblr-9988	134	118	counterparts	counterpart	NOUN
cblr-9988	134	119	during	during	ADP
cblr-9988	134	120	an	an	DET
cblr-9988	134	121	economic	economic	ADJ
cblr-9988	134	122	content	content	NOUN
cblr-9988	134	123	/	/	SYM
cblr-9988	134	124	uploads/2020/11	uploads/2020/11	PROPN
cblr-9988	134	125	/	/	SYM
cblr-9988	134	126	citi	citi	NOUN
cblr-9988	134	127	-	-	PUNCT
cblr-9988	134	128	closing	closing	NOUN
cblr-9988	134	129	-	-	PUNCT
cblr-9988	134	130	racial	racial	ADJ
cblr-9988	134	131	-	-	PUNCT
cblr-9988	134	132	inequality	inequality	NOUN
cblr-9988	134	133	-	-	PUNCT
cblr-9988	134	134	gaps	gap	NOUN
cblr-9988	134	135	-	-	PUNCT
cblr-9988	134	136	ax2qy.pdf	ax2qy.pdf	NOUN
cblr-9988	134	137	[	[	X
cblr-9988	134	138	https://perma.cc/6wry-9lcx	https://perma.cc/6wry-9lcx	X
cblr-9988	134	139	]	]	X
cblr-9988	134	140	.	.	PUNCT
cblr-9988	135	1	28	28	NUM
cblr-9988	136	1	i	i	PRON
cblr-9988	136	2	d.	d.	PROPN
cblr-9988	136	3	at	at	ADP
cblr-9988	136	4	49	49	NUM
cblr-9988	136	5	.	.	PUNCT
cblr-9988	137	1	29	29	NUM
cblr-9988	138	1	i	i	PRON
cblr-9988	138	2	d.	d.	NOUN
cblr-9988	138	3	at	at	ADP
cblr-9988	138	4	55	55	NUM
cblr-9988	138	5	fig.93	fig.93	NOUN
cblr-9988	138	6	.	.	PROPN
cblr-9988	138	7	30	30	NUM
cblr-9988	138	8	frank	frank	PROPN
cblr-9988	138	9	bass	bass	PROPN
cblr-9988	138	10	&	&	CCONJ
cblr-9988	138	11	dakin	dakin	PROPN
cblr-9988	138	12	campbell	campbell	PROPN
cblr-9988	138	13	,	,	PUNCT
cblr-9988	138	14	predator	predator	NOUN
cblr-9988	138	15	targets	target	NOUN
cblr-9988	138	16	hit	hit	VERB
cblr-9988	138	17	as	as	SCONJ
cblr-9988	138	18	banks	bank	NOUN
cblr-9988	138	19	shut	shut	VERB
cblr-9988	138	20	branches	branch	NOUN
cblr-9988	138	21	amid	amid	ADP
cblr-9988	138	22	profits	profit	NOUN
cblr-9988	138	23	,	,	PUNCT
cblr-9988	138	24	bloomberg	bloomberg	PROPN
cblr-9988	138	25	(	(	PUNCT
cblr-9988	138	26	may	may	PROPN
cblr-9988	138	27	2	2	NUM
cblr-9988	138	28	,	,	PUNCT
cblr-9988	138	29	2013	2013	NUM
cblr-9988	138	30	,	,	PUNCT
cblr-9988	138	31	12:00	12:00	NUM
cblr-9988	138	32	pm	pm	NOUN
cblr-9988	138	33	)	)	PUNCT
cblr-9988	138	34	,	,	PUNCT
cblr-9988	138	35	https://www.bloomberg.com/news/articles/2013-05-02/post-crash-branchclosings-hit-hardest-in-poor-u-s-areas	https://www.bloomberg.com/news/articles/2013-05-02/post-crash-branchclosings-hit-hardest-in-poor-u-s-area	NOUN
cblr-9988	138	36	(	(	PUNCT
cblr-9988	138	37	on	on	ADP
cblr-9988	138	38	file	file	NOUN
cblr-9988	138	39	with	with	ADP
cblr-9988	138	40	columbia	columbia	PROPN
cblr-9988	138	41	business	business	PROPN
cblr-9988	138	42	law	law	PROPN
cblr-9988	138	43	review	review	PROPN
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cblr-9988	138	45	.	.	PUNCT
cblr-9988	139	1	31	31	NUM
cblr-9988	139	2	baradaran	baradaran	NOUN
cblr-9988	139	3	,	,	PUNCT
cblr-9988	139	4	supra	supra	PROPN
cblr-9988	139	5	note	note	NOUN
cblr-9988	139	6	2	2	NUM
cblr-9988	139	7	,	,	PUNCT
cblr-9988	139	8	at	at	ADP
cblr-9988	139	9	152	152	NUM
cblr-9988	139	10	.	.	PUNCT
cblr-9988	139	11	32	32	NUM
cblr-9988	139	12	econ	econ	X
cblr-9988	139	13	.	.	PUNCT
cblr-9988	140	1	rsch	rsch	PROPN
cblr-9988	140	2	.	.	PUNCT
cblr-9988	141	1	serv	serv	PROPN
cblr-9988	141	2	.	.	PROPN
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cblr-9988	141	9	,	,	PUNCT
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cblr-9988	141	11	and	and	CCONJ
cblr-9988	141	12	ethnic	ethnic	ADJ
cblr-9988	141	13	minorities	minority	NOUN
cblr-9988	141	14	made	make	VERB
cblr-9988	141	15	up	up	ADP
cblr-9988	141	16	22	22	NUM
cblr-9988	141	17	percent	percent	NOUN
cblr-9988	141	18	of	of	ADP
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cblr-9988	141	20	rural	rural	ADJ
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cblr-9988	141	27	43	43	NUM
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cblr-9988	141	29	in	in	ADP
cblr-9988	141	30	urban	urban	ADJ
cblr-9988	141	31	areas	area	NOUN
cblr-9988	141	32	,	,	PUNCT
cblr-9988	141	33	econ	econ	PROPN
cblr-9988	141	34	.	.	PUNCT
cblr-9988	142	1	rsch	rsch	PROPN
cblr-9988	142	2	.	.	PUNCT
cblr-9988	143	1	serv	serv	PROPN
cblr-9988	143	2	.	.	PROPN
cblr-9988	143	3	,	,	PUNCT
cblr-9988	143	4	u.s	u.s	PROPN
cblr-9988	143	5	.	.	PROPN
cblr-9988	143	6	dep’t	dep’t	NOUN
cblr-9988	143	7	of	of	ADP
cblr-9988	143	8	agriculture	agriculture	PROPN
cblr-9988	143	9	(	(	PUNCT
cblr-9988	143	10	oct	oct	PROPN
cblr-9988	143	11	.	.	PROPN
cblr-9988	143	12	13	13	NUM
cblr-9988	143	13	,	,	PUNCT
cblr-9988	143	14	2020	2020	NUM
cblr-9988	143	15	)	)	PUNCT
cblr-9988	143	16	,	,	PUNCT
cblr-9988	143	17	https://www.ers.usda.gov/data-products/chartgallery/gallery/chart-detail/?chartid=99538	https://www.ers.usda.gov/data-products/chartgallery/gallery/chart-detail/?chartid=99538	PROPN
cblr-9988	144	1	[	[	X
cblr-9988	144	2	https://perma.cc/m6xgccvf	https://perma.cc/m6xgccvf	X
cblr-9988	144	3	]	]	X
cblr-9988	144	4	.	.	PUNCT
cblr-9988	145	1	33	33	NUM
cblr-9988	145	2	citi	citi	PROPN
cblr-9988	145	3	gps	gps	PROPN
cblr-9988	145	4	:	:	PUNCT
cblr-9988	145	5	glob	glob	NOUN
cblr-9988	145	6	.	.	PUNCT
cblr-9988	145	7	perspectives	perspective	NOUN
cblr-9988	145	8	&	&	CCONJ
cblr-9988	145	9	solutions	solution	NOUN
cblr-9988	145	10	,	,	PUNCT
cblr-9988	145	11	supra	supra	PROPN
cblr-9988	145	12	note	note	PROPN
cblr-9988	145	13	27	27	NUM
cblr-9988	145	14	,	,	PUNCT
cblr-9988	145	15	at	at	ADP
cblr-9988	145	16	55	55	NUM
cblr-9988	145	17	fig.94	fig.94	NOUN
cblr-9988	145	18	(	(	PUNCT
cblr-9988	145	19	demonstrating	demonstrate	VERB
cblr-9988	145	20	an	an	DET
cblr-9988	145	21	inverse	inverse	NOUN
cblr-9988	145	22	relationship	relationship	NOUN
cblr-9988	145	23	between	between	ADP
cblr-9988	145	24	credit	credit	NOUN
cblr-9988	145	25	score	score	NOUN
cblr-9988	145	26	and	and	CCONJ
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cblr-9988	145	28	of	of	ADP
cblr-9988	145	29	an	an	DET
cblr-9988	145	30	alternative	alternative	ADJ
cblr-9988	145	31	financial	financial	ADJ
cblr-9988	145	32	service	service	NOUN
cblr-9988	145	33	)	)	PUNCT
cblr-9988	145	34	.	.	PUNCT
cblr-9988	146	1	no	no	INTJ
cblr-9988	146	2	.	.	PUNCT
cblr-9988	147	1	1:621	1:621	NUM
cblr-9988	147	2	]	]	X
cblr-9988	147	3	expand	expand	VERB
cblr-9988	147	4	online	online	ADJ
cblr-9988	147	5	lending	lending	NOUN
cblr-9988	147	6	to	to	ADP
cblr-9988	147	7	minority	minority	NOUN
cblr-9988	147	8	business	business	NOUN
cblr-9988	147	9	owners	owner	NOUN
cblr-9988	147	10	631	631	NUM
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cblr-9988	147	14	be	be	AUX
cblr-9988	147	15	shown	show	VERB
cblr-9988	147	16	,	,	PUNCT
cblr-9988	147	17	minority	minority	NOUN
cblr-9988	147	18	-	-	PUNCT
cblr-9988	147	19	owned	own	VERB
cblr-9988	147	20	businesses	business	NOUN
cblr-9988	147	21	may	may	AUX
cblr-9988	147	22	not	not	PART
cblr-9988	147	23	receive	receive	VERB
cblr-9988	147	24	government	government	NOUN
cblr-9988	147	25	assistance	assistance	NOUN
cblr-9988	147	26	as	as	ADV
cblr-9988	147	27	readily	readily	ADV
cblr-9988	147	28	as	as	ADP
cblr-9988	147	29	whiteowned	whiteowned	ADJ
cblr-9988	147	30	businesses	business	NOUN
cblr-9988	147	31	,	,	PUNCT
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cblr-9988	147	33	tend	tend	VERB
cblr-9988	147	34	to	to	PART
cblr-9988	147	35	have	have	VERB
cblr-9988	147	36	better	well	ADJ
cblr-9988	147	37	banking	banking	NOUN
cblr-9988	147	38	relationships	relationship	NOUN
cblr-9988	147	39	or	or	CCONJ
cblr-9988	147	40	operate	operate	VERB
cblr-9988	147	41	in	in	ADP
cblr-9988	147	42	neighborhoods	neighborhood	NOUN
cblr-9988	147	43	that	that	PRON
cblr-9988	147	44	are	be	AUX
cblr-9988	147	45	less	less	ADV
cblr-9988	147	46	impacted	impact	VERB
cblr-9988	147	47	by	by	ADP
cblr-9988	147	48	an	an	DET
cblr-9988	147	49	economic	economic	ADJ
cblr-9988	147	50	downturn	downturn	NOUN
cblr-9988	147	51	.	.	PUNCT
cblr-9988	148	1	during	during	ADP
cblr-9988	148	2	the	the	DET
cblr-9988	148	3	covid-19	covid-19	PROPN
cblr-9988	148	4	pandemic	pandemic	NOUN
cblr-9988	148	5	,	,	PUNCT
cblr-9988	148	6	banks	bank	NOUN
cblr-9988	148	7	often	often	ADV
cblr-9988	148	8	prioritized	prioritize	VERB
cblr-9988	148	9	their	their	PRON
cblr-9988	148	10	own	own	ADJ
cblr-9988	148	11	customers	customer	NOUN
cblr-9988	148	12	when	when	SCONJ
cblr-9988	148	13	they	they	PRON
cblr-9988	148	14	started	start	VERB
cblr-9988	148	15	administering	administer	VERB
cblr-9988	148	16	ppp	ppp	NOUN
cblr-9988	148	17	loans	loan	NOUN
cblr-9988	148	18	to	to	ADP
cblr-9988	148	19	small	small	ADJ
cblr-9988	148	20	businesses.35	businesses.35	NOUN
cblr-9988	148	21	minority	minority	NOUN
cblr-9988	148	22	business	business	NOUN
cblr-9988	148	23	owners	owner	NOUN
cblr-9988	148	24	are	be	AUX
cblr-9988	148	25	less	less	ADV
cblr-9988	148	26	likely	likely	ADJ
cblr-9988	148	27	to	to	PART
cblr-9988	148	28	receive	receive	VERB
cblr-9988	148	29	bank	bank	NOUN
cblr-9988	148	30	loans,36	loans,36	NOUN
cblr-9988	148	31	and	and	CCONJ
cblr-9988	148	32	thus	thus	ADV
cblr-9988	148	33	they	they	PRON
cblr-9988	148	34	were	be	AUX
cblr-9988	148	35	often	often	ADV
cblr-9988	148	36	shut	shut	VERB
cblr-9988	148	37	34	34	NUM
cblr-9988	148	38	a	a	DET
cblr-9988	148	39	new	new	PROPN
cblr-9988	148	40	york	york	PROPN
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cblr-9988	148	43	study	study	PROPN
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cblr-9988	148	45	that	that	SCONJ
cblr-9988	148	46	40	40	NUM
cblr-9988	148	47	%	%	NOUN
cblr-9988	148	48	of	of	ADP
cblr-9988	148	49	the	the	DET
cblr-9988	148	50	revenue	revenue	NOUN
cblr-9988	148	51	from	from	ADP
cblr-9988	148	52	black	black	NOUN
cblr-9988	148	53	-	-	PUNCT
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cblr-9988	148	61	,	,	PUNCT
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cblr-9988	148	65	of	of	ADP
cblr-9988	148	66	all	all	DET
cblr-9988	148	67	the	the	DET
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cblr-9988	148	69	in	in	ADP
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cblr-9988	149	1	two	two	NUM
cblr-9988	149	2	-	-	PUNCT
cblr-9988	149	3	thirds	third	NOUN
cblr-9988	149	4	of	of	ADP
cblr-9988	149	5	these	these	DET
cblr-9988	149	6	counties	county	NOUN
cblr-9988	149	7	had	have	VERB
cblr-9988	149	8	the	the	DET
cblr-9988	149	9	highest	high	ADJ
cblr-9988	149	10	level	level	NOUN
cblr-9988	149	11	of	of	ADP
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cblr-9988	149	14	.	.	PUNCT
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cblr-9988	150	2	crutsinger	crutsinger	PROPN
cblr-9988	150	3	,	,	PUNCT
cblr-9988	150	4	new	new	PROPN
cblr-9988	150	5	york	york	PROPN
cblr-9988	150	6	fed	fed	PROPN
cblr-9988	150	7	:	:	PUNCT
cblr-9988	150	8	blackowned	blackowne	VERB
cblr-9988	150	9	business	business	NOUN
cblr-9988	150	10	hard	hard	ADV
cblr-9988	150	11	hit	hit	VERB
cblr-9988	150	12	by	by	ADP
cblr-9988	150	13	pandemic	pandemic	ADJ
cblr-9988	150	14	,	,	PUNCT
cblr-9988	150	15	associated	associated	ADJ
cblr-9988	150	16	press	press	NOUN
cblr-9988	150	17	(	(	PUNCT
cblr-9988	150	18	aug	aug	PROPN
cblr-9988	150	19	.	.	PROPN
cblr-9988	150	20	4	4	NUM
cblr-9988	150	21	,	,	PUNCT
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cblr-9988	151	4	.	.	PUNCT
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cblr-9988	152	3	april	april	PROPN
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cblr-9988	152	5	,	,	PUNCT
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cblr-9988	152	7	to	to	ADP
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cblr-9988	152	11	,	,	PUNCT
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cblr-9988	152	13	number	number	NOUN
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cblr-9988	152	16	business	business	NOUN
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cblr-9988	152	18	dropped	drop	VERB
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cblr-9988	152	33	business	business	NOUN
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cblr-9988	152	39	.	.	PUNCT
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cblr-9988	155	19	1	1	NUM
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cblr-9988	157	6	36	36	NUM
cblr-9988	157	7	,	,	PUNCT
cblr-9988	157	8	2014	2014	NUM
cblr-9988	157	9	)	)	PUNCT
cblr-9988	157	10	,	,	PUNCT
cblr-9988	157	11	https://www2.census.gov/ces/wp/2014/ces-wp-14-36.pdf	https://www2.census.gov/ces/wp/2014/ces-wp-14-36.pdf	PROPN
cblr-9988	157	12	[	[	X
cblr-9988	157	13	https://perma.cc/265u-6tk4	https://perma.cc/265u-6tk4	X
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cblr-9988	157	15	(	(	PUNCT
cblr-9988	157	16	finding	find	VERB
cblr-9988	157	17	that	that	SCONJ
cblr-9988	157	18	black	black	NOUN
cblr-9988	157	19	-	-	PUNCT
cblr-9988	157	20	owned	own	VERB
cblr-9988	157	21	businesses	business	NOUN
cblr-9988	157	22	underperformed	underperform	VERB
cblr-9988	157	23	white	white	ADV
cblr-9988	157	24	-	-	PUNCT
cblr-9988	157	25	owned	own	VERB
cblr-9988	157	26	business	business	NOUN
cblr-9988	157	27	during	during	ADP
cblr-9988	157	28	the	the	DET
cblr-9988	157	29	great	great	ADJ
cblr-9988	157	30	recession	recession	NOUN
cblr-9988	157	31	)	)	PUNCT
cblr-9988	157	32	.	.	PUNCT
cblr-9988	158	1	35	35	NUM
cblr-9988	158	2	ruth	ruth	PROPN
cblr-9988	158	3	simon	simon	PROPN
cblr-9988	158	4	&	&	CCONJ
cblr-9988	158	5	peter	peter	PROPN
cblr-9988	158	6	rudegeair	rudegeair	PROPN
cblr-9988	158	7	,	,	PUNCT
cblr-9988	158	8	big	big	ADJ
cblr-9988	158	9	banks	bank	NOUN
cblr-9988	158	10	favor	favor	VERB
cblr-9988	158	11	certain	certain	ADJ
cblr-9988	158	12	customers	customer	NOUN
cblr-9988	158	13	in	in	ADP
cblr-9988	158	14	$	$	SYM
cblr-9988	158	15	350	350	NUM
cblr-9988	158	16	billion	billion	NUM
cblr-9988	158	17	small	small	ADJ
cblr-9988	158	18	-	-	PUNCT
cblr-9988	158	19	business	business	NOUN
cblr-9988	158	20	loan	loan	NOUN
cblr-9988	158	21	program	program	NOUN
cblr-9988	158	22	,	,	PUNCT
cblr-9988	158	23	wall	wall	PROPN
cblr-9988	158	24	st	st	PROPN
cblr-9988	158	25	.	.	PROPN
cblr-9988	158	26	j.	j.	PROPN
cblr-9988	158	27	(	(	PUNCT
cblr-9988	158	28	apr	apr	PROPN
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cblr-9988	158	30	6	6	NUM
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cblr-9988	158	34	8:00	8:00	NUM
cblr-9988	158	35	am	am	NOUN
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cblr-9988	158	37	,	,	PUNCT
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cblr-9988	158	39	(	(	PUNCT
cblr-9988	158	40	on	on	ADP
cblr-9988	158	41	file	file	NOUN
cblr-9988	158	42	with	with	ADP
cblr-9988	158	43	the	the	DET
cblr-9988	158	44	columbia	columbia	PROPN
cblr-9988	158	45	business	business	PROPN
cblr-9988	158	46	law	law	PROPN
cblr-9988	158	47	review	review	PROPN
cblr-9988	158	48	)	)	PUNCT
cblr-9988	158	49	.	.	PUNCT
cblr-9988	159	1	36	36	NUM
cblr-9988	159	2	a	a	DET
cblr-9988	159	3	2016	2016	NUM
cblr-9988	159	4	study	study	NOUN
cblr-9988	159	5	by	by	ADP
cblr-9988	159	6	the	the	DET
cblr-9988	159	7	stanford	stanford	PROPN
cblr-9988	159	8	institute	institute	PROPN
cblr-9988	159	9	for	for	ADP
cblr-9988	159	10	economic	economic	ADJ
cblr-9988	159	11	policy	policy	NOUN
cblr-9988	159	12	research	research	NOUN
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cblr-9988	159	14	that	that	SCONJ
cblr-9988	159	15	one	one	NUM
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cblr-9988	159	17	of	of	ADP
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cblr-9988	159	22	a	a	DET
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cblr-9988	159	25	in	in	ADP
cblr-9988	159	26	their	their	PRON
cblr-9988	159	27	first	first	ADJ
cblr-9988	159	28	year	year	NOUN
cblr-9988	159	29	of	of	ADP
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cblr-9988	159	31	,	,	PUNCT
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cblr-9988	159	33	with	with	ADP
cblr-9988	159	34	seven	seven	NUM
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cblr-9988	159	36	of	of	ADP
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cblr-9988	159	38	business	business	NOUN
cblr-9988	159	39	owners	owner	NOUN
cblr-9988	159	40	.	.	PUNCT
cblr-9988	160	1	twice	twice	ADV
cblr-9988	160	2	as	as	ADV
cblr-9988	160	3	many	many	ADJ
cblr-9988	160	4	white	white	ADJ
cblr-9988	160	5	business	business	NOUN
cblr-9988	160	6	owners	owner	NOUN
cblr-9988	160	7	used	use	VERB
cblr-9988	160	8	a	a	DET
cblr-9988	160	9	business	business	NOUN
cblr-9988	160	10	credit	credit	NOUN
cblr-9988	160	11	card	card	NOUN
cblr-9988	160	12	during	during	ADP
cblr-9988	160	13	their	their	PRON
cblr-9988	160	14	first	first	ADJ
cblr-9988	160	15	year	year	NOUN
cblr-9988	160	16	as	as	ADP
cblr-9988	160	17	black	black	ADJ
cblr-9988	160	18	business	business	NOUN
cblr-9988	160	19	owners	owner	NOUN
cblr-9988	160	20	.	.	PUNCT
cblr-9988	161	1	emily	emily	PROPN
cblr-9988	161	2	flitter	flitter	PROPN
cblr-9988	161	3	,	,	PUNCT
cblr-9988	161	4	blackowned	blackowne	VERB
cblr-9988	161	5	businesses	business	NOUN
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cblr-9988	161	7	face	face	VERB
cblr-9988	161	8	hurdles	hurdle	NOUN
cblr-9988	161	9	in	in	ADP
cblr-9988	161	10	federal	federal	ADJ
cblr-9988	161	11	aid	aid	NOUN
cblr-9988	161	12	program	program	NOUN
cblr-9988	161	13	,	,	PUNCT
cblr-9988	161	14	n.y	n.y	PROPN
cblr-9988	161	15	.	.	PROPN
cblr-9988	161	16	times	times	PROPN
cblr-9988	161	17	(	(	PUNCT
cblr-9988	161	18	june	june	PROPN
cblr-9988	161	19	4	4	NUM
cblr-9988	161	20	,	,	PUNCT
cblr-9988	161	21	2020	2020	NUM
cblr-9988	161	22	)	)	PUNCT
cblr-9988	161	23	,	,	PUNCT
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cblr-9988	162	1	[	[	X
cblr-9988	162	2	https://perma.cc/up6g-l47n	https://perma.cc/up6g-l47n	PROPN
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cblr-9988	162	4	.	.	PUNCT
cblr-9988	163	1	632	632	NUM
cblr-9988	163	2	columbia	columbia	PROPN
cblr-9988	163	3	business	business	NOUN
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cblr-9988	163	6	[	[	X
cblr-9988	163	7	vol	vol	NOUN
cblr-9988	163	8	.	.	PUNCT
cblr-9988	163	9	2022	2022	NUM
cblr-9988	163	10	out	out	ADP
cblr-9988	163	11	of	of	ADP
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cblr-9988	163	13	ppp	ppp	PROPN
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cblr-9988	163	15	cdfis	cdfis	PROPN
cblr-9988	163	16	,	,	PUNCT
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cblr-9988	163	18	were	be	AUX
cblr-9988	163	19	established	establish	VERB
cblr-9988	163	20	to	to	PART
cblr-9988	163	21	serve	serve	VERB
cblr-9988	163	22	low	low	ADJ
cblr-9988	163	23	-	-	PUNCT
cblr-9988	163	24	income	income	NOUN
cblr-9988	163	25	and	and	CCONJ
cblr-9988	163	26	disadvantaged	disadvantaged	ADJ
cblr-9988	163	27	communities,38	communities,38	NOUN
cblr-9988	163	28	could	could	AUX
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cblr-9988	163	31	this	this	DET
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cblr-9988	163	33	.	.	PUNCT
cblr-9988	164	1	only	only	ADV
cblr-9988	164	2	seventy	seventy	NUM
cblr-9988	164	3	-	-	PUNCT
cblr-9988	164	4	eight	eight	NUM
cblr-9988	164	5	cdfis	cdfis	NOUN
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cblr-9988	164	7	authorization	authorization	NOUN
cblr-9988	164	8	to	to	PART
cblr-9988	164	9	participate	participate	VERB
cblr-9988	164	10	in	in	ADP
cblr-9988	164	11	the	the	DET
cblr-9988	164	12	ppp	ppp	NOUN
cblr-9988	164	13	in	in	ADP
cblr-9988	164	14	early	early	ADJ
cblr-9988	164	15	april	april	PROPN
cblr-9988	164	16	2020	2020	NUM
cblr-9988	164	17	;	;	PUNCT
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cblr-9988	164	22	received	receive	VERB
cblr-9988	164	23	prior	prior	ADJ
cblr-9988	164	24	approval	approval	NOUN
cblr-9988	164	25	to	to	PART
cblr-9988	164	26	make	make	VERB
cblr-9988	164	27	sba	sba	PROPN
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cblr-9988	164	29	in	in	ADP
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cblr-9988	164	35	,	,	PUNCT
cblr-9988	164	36	seventy	seventy	NUM
cblr-9988	164	37	-	-	PUNCT
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cblr-9988	164	45	in	in	ADP
cblr-9988	164	46	majority	majority	NOUN
cblr-9988	164	47	-	-	PUNCT
cblr-9988	164	48	white	white	ADJ
cblr-9988	164	49	census	census	NOUN
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cblr-9988	164	51	,	,	PUNCT
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cblr-9988	164	53	only	only	ADV
cblr-9988	164	54	sixty	sixty	NUM
cblr-9988	164	55	-	-	PUNCT
cblr-9988	164	56	eight	eight	NUM
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cblr-9988	164	61	lives	live	VERB
cblr-9988	164	62	in	in	ADP
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cblr-9988	164	64	census	census	NOUN
cblr-9988	164	65	tracts.40	tracts.40	NOUN
cblr-9988	164	66	in	in	ADP
cblr-9988	164	67	addition	addition	NOUN
cblr-9988	164	68	to	to	ADP
cblr-9988	164	69	there	there	PRON
cblr-9988	164	70	being	be	AUX
cblr-9988	164	71	a	a	DET
cblr-9988	164	72	racially	racially	ADV
cblr-9988	164	73	disparate	disparate	ADJ
cblr-9988	164	74	impact	impact	NOUN
cblr-9988	164	75	,	,	PUNCT
cblr-9988	164	76	one	one	NUM
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cblr-9988	164	81	directly	directly	ADV
cblr-9988	164	82	discriminated	discriminate	VERB
cblr-9988	164	83	against	against	ADP
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cblr-9988	164	85	based	base	VERB
cblr-9988	164	86	on	on	ADP
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cblr-9988	164	88	in	in	ADP
cblr-9988	164	89	a	a	DET
cblr-9988	164	90	study	study	NOUN
cblr-9988	164	91	where	where	SCONJ
cblr-9988	164	92	a	a	DET
cblr-9988	164	93	black	black	ADJ
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cblr-9988	164	105	to	to	ADP
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cblr-9988	164	114	,	,	PUNCT
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cblr-9988	164	167	forty	forty	NUM
cblr-9988	164	168	percent	percent	NOUN
cblr-9988	164	169	of	of	ADP
cblr-9988	164	170	37	37	NUM
cblr-9988	164	171	see	see	NOUN
cblr-9988	164	172	,	,	PUNCT
cblr-9988	164	173	e.g.	e.g.	ADV
cblr-9988	164	174	,	,	PUNCT
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cblr-9988	166	3	business	business	NOUN
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cblr-9988	166	6	:	:	PUNCT
cblr-9988	166	7	covid-19	covid-19	PROPN
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cblr-9988	166	11	conditions	condition	NOUN
cblr-9988	166	12	in	in	ADP
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cblr-9988	167	14	the	the	DET
cblr-9988	167	15	requested	request	VERB
cblr-9988	167	16	ppp	ppp	NOUN
cblr-9988	167	17	funds	fund	NOUN
cblr-9988	167	18	than	than	ADP
cblr-9988	167	19	white	white	ADJ
cblr-9988	167	20	-	-	PUNCT
cblr-9988	167	21	owned	own	VERB
cblr-9988	167	22	businesses	business	NOUN
cblr-9988	167	23	)	)	PUNCT
cblr-9988	167	24	.	.	PUNCT
cblr-9988	168	1	38	38	NUM
cblr-9988	168	2	see	see	VERB
cblr-9988	168	3	infra	infra	NOUN
cblr-9988	168	4	section	section	NOUN
cblr-9988	168	5	ii.b.iii	ii.b.iii	VERB
cblr-9988	168	6	for	for	ADP
cblr-9988	168	7	discussion	discussion	NOUN
cblr-9988	168	8	of	of	ADP
cblr-9988	168	9	cdfis	cdfis	NOUN
cblr-9988	168	10	.	.	PUNCT
cblr-9988	169	1	39	39	NUM
cblr-9988	169	2	flitter	flitter	NOUN
cblr-9988	169	3	,	,	PUNCT
cblr-9988	169	4	supra	supra	PROPN
cblr-9988	169	5	note	note	NOUN
cblr-9988	169	6	36	36	NUM
cblr-9988	169	7	.	.	NUM
cblr-9988	169	8	40	40	NUM
cblr-9988	169	9	emily	emily	PROPN
cblr-9988	169	10	flitter	flitter	PROPN
cblr-9988	169	11	,	,	PUNCT
cblr-9988	169	12	black	black	ADJ
cblr-9988	169	13	business	business	NOUN
cblr-9988	169	14	owners	owner	NOUN
cblr-9988	169	15	had	have	VERB
cblr-9988	169	16	a	a	DET
cblr-9988	169	17	harder	hard	ADJ
cblr-9988	169	18	time	time	NOUN
cblr-9988	169	19	getting	get	VERB
cblr-9988	169	20	federal	federal	ADJ
cblr-9988	169	21	aid	aid	NOUN
cblr-9988	169	22	,	,	PUNCT
cblr-9988	169	23	a	a	DET
cblr-9988	169	24	study	study	NOUN
cblr-9988	169	25	finds	find	VERB
cblr-9988	169	26	,	,	PUNCT
cblr-9988	170	1	n.y	n.y	PROPN
cblr-9988	170	2	.	.	PROPN
cblr-9988	170	3	times	times	PROPN
cblr-9988	170	4	(	(	PUNCT
cblr-9988	170	5	jul	jul	PROPN
cblr-9988	170	6	.	.	PROPN
cblr-9988	170	7	15	15	NUM
cblr-9988	170	8	,	,	PUNCT
cblr-9988	170	9	2020	2020	NUM
cblr-9988	170	10	)	)	PUNCT
cblr-9988	170	11	,	,	PUNCT
cblr-9988	170	12	https://www.nytimes.com/2020/07/15/business/paycheck-protectionprogram-bias.html	https://www.nytimes.com/2020/07/15/business/paycheck-protectionprogram-bias.html	PROPN
cblr-9988	171	1	[	[	X
cblr-9988	171	2	https://perma.cc/8frf-9q4e	https://perma.cc/8frf-9q4e	NOUN
cblr-9988	171	3	]	]	X
cblr-9988	171	4	.	.	PUNCT
cblr-9988	172	1	41	41	NUM
cblr-9988	173	1	i	i	PRON
cblr-9988	173	2	d.	d.	PROPN
cblr-9988	173	3	42	42	NUM
cblr-9988	174	1	i	i	PRON
cblr-9988	174	2	d.	d.	PROPN
cblr-9988	174	3	43	43	NUM
cblr-9988	174	4	stacy	stacy	PROPN
cblr-9988	174	5	cowley	cowley	PROPN
cblr-9988	174	6	,	,	PUNCT
cblr-9988	174	7	minority	minority	NOUN
cblr-9988	174	8	entrepreneurs	entrepreneur	NOUN
cblr-9988	174	9	struggled	struggle	VERB
cblr-9988	174	10	to	to	PART
cblr-9988	174	11	get	get	VERB
cblr-9988	174	12	smallbusiness	smallbusiness	NOUN
cblr-9988	174	13	relief	relief	NOUN
cblr-9988	174	14	loans	loan	NOUN
cblr-9988	174	15	,	,	PUNCT
cblr-9988	174	16	n.y	n.y	PROPN
cblr-9988	174	17	.	.	PROPN
cblr-9988	174	18	times	times	PROPN
cblr-9988	174	19	(	(	PUNCT
cblr-9988	174	20	apr	apr	PROPN
cblr-9988	174	21	.	.	PROPN
cblr-9988	174	22	4	4	NUM
cblr-9988	174	23	,	,	PUNCT
cblr-9988	174	24	2021	2021	NUM
cblr-9988	174	25	)	)	PUNCT
cblr-9988	174	26	,	,	PUNCT
cblr-9988	174	27	https://www.nytimes.com/2021/04/04/business/ppp-loans-minoritybusinesses.html	https://www.nytimes.com/2021/04/04/business/ppp-loans-minoritybusinesses.html	NOUN
cblr-9988	174	28	[	[	X
cblr-9988	174	29	https://perma.cc/f2vg-gpef	https://perma.cc/f2vg-gpef	NOUN
cblr-9988	174	30	]	]	X
cblr-9988	174	31	.	.	PUNCT
cblr-9988	175	1	no	no	INTJ
cblr-9988	175	2	.	.	PUNCT
cblr-9988	176	1	1:621	1:621	NUM
cblr-9988	176	2	]	]	X
cblr-9988	176	3	expand	expand	VERB
cblr-9988	176	4	online	online	ADJ
cblr-9988	176	5	lending	lending	NOUN
cblr-9988	176	6	to	to	ADP
cblr-9988	176	7	minority	minority	NOUN
cblr-9988	176	8	business	business	NOUN
cblr-9988	176	9	owners	owner	NOUN
cblr-9988	176	10	633	633	NUM
cblr-9988	176	11	businesses	business	NOUN
cblr-9988	176	12	with	with	ADP
cblr-9988	176	13	employees.44	employees.44	NOUN
cblr-9988	176	14	when	when	SCONJ
cblr-9988	176	15	sole	sole	ADJ
cblr-9988	176	16	proprietorships	proprietorship	NOUN
cblr-9988	176	17	gained	gain	VERB
cblr-9988	176	18	access	access	NOUN
cblr-9988	176	19	to	to	ADP
cblr-9988	176	20	ppp	ppp	PROPN
cblr-9988	176	21	funding	funding	PROPN
cblr-9988	176	22	,	,	PUNCT
cblr-9988	176	23	they	they	PRON
cblr-9988	176	24	were	be	AUX
cblr-9988	176	25	only	only	ADV
cblr-9988	176	26	eligible	eligible	ADJ
cblr-9988	176	27	to	to	PART
cblr-9988	176	28	receive	receive	VERB
cblr-9988	176	29	loans	loan	NOUN
cblr-9988	176	30	if	if	SCONJ
cblr-9988	176	31	their	their	PRON
cblr-9988	176	32	business	business	NOUN
cblr-9988	176	33	was	be	AUX
cblr-9988	176	34	profitable	profitable	ADJ
cblr-9988	176	35	,	,	PUNCT
cblr-9988	176	36	a	a	DET
cblr-9988	176	37	requirement	requirement	NOUN
cblr-9988	176	38	to	to	PART
cblr-9988	176	39	which	which	PRON
cblr-9988	176	40	other	other	ADJ
cblr-9988	176	41	businesses	business	NOUN
cblr-9988	176	42	were	be	AUX
cblr-9988	176	43	not	not	PART
cblr-9988	176	44	subjected.45	subjected.45	VERB
cblr-9988	176	45	this	this	DET
cblr-9988	176	46	profitability	profitability	NOUN
cblr-9988	176	47	requirement	requirement	NOUN
cblr-9988	176	48	was	be	AUX
cblr-9988	176	49	eventually	eventually	ADV
cblr-9988	176	50	revised	revise	VERB
cblr-9988	176	51	in	in	ADP
cblr-9988	176	52	march	march	PROPN
cblr-9988	176	53	2021	2021	NUM
cblr-9988	176	54	,	,	PUNCT
cblr-9988	176	55	but	but	CCONJ
cblr-9988	176	56	banks	bank	NOUN
cblr-9988	176	57	struggled	struggle	VERB
cblr-9988	176	58	to	to	PART
cblr-9988	176	59	implement	implement	VERB
cblr-9988	176	60	the	the	DET
cblr-9988	176	61	revision.46	revision.46	NOUN
cblr-9988	176	62	jpmorgan	jpmorgan	PROPN
cblr-9988	176	63	chase	chase	PROPN
cblr-9988	176	64	initially	initially	ADV
cblr-9988	176	65	stated	state	VERB
cblr-9988	176	66	that	that	SCONJ
cblr-9988	176	67	it	it	PRON
cblr-9988	176	68	did	do	AUX
cblr-9988	176	69	not	not	PART
cblr-9988	176	70	have	have	VERB
cblr-9988	176	71	time	time	NOUN
cblr-9988	176	72	to	to	PART
cblr-9988	176	73	update	update	VERB
cblr-9988	176	74	its	its	PRON
cblr-9988	176	75	systems	system	NOUN
cblr-9988	176	76	to	to	PART
cblr-9988	176	77	incorporate	incorporate	VERB
cblr-9988	176	78	the	the	DET
cblr-9988	176	79	changes	change	NOUN
cblr-9988	176	80	before	before	ADP
cblr-9988	176	81	the	the	DET
cblr-9988	176	82	ppp	ppp	NOUN
cblr-9988	176	83	funding	funding	NOUN
cblr-9988	176	84	deadline,47	deadline,47	NOUN
cblr-9988	176	85	but	but	CCONJ
cblr-9988	176	86	changed	change	VERB
cblr-9988	176	87	course	course	NOUN
cblr-9988	176	88	after	after	SCONJ
cblr-9988	176	89	congress	congress	PROPN
cblr-9988	176	90	extended	extend	VERB
cblr-9988	176	91	the	the	DET
cblr-9988	176	92	ppp	ppp	NOUN
cblr-9988	176	93	deadline.48	deadline.48	PROPN
cblr-9988	176	94	bank	bank	PROPN
cblr-9988	176	95	of	of	ADP
cblr-9988	176	96	america	america	PROPN
cblr-9988	176	97	stopped	stop	VERB
cblr-9988	176	98	accepting	accept	VERB
cblr-9988	176	99	applications	application	NOUN
cblr-9988	176	100	early	early	ADV
cblr-9988	176	101	to	to	PART
cblr-9988	176	102	give	give	VERB
cblr-9988	176	103	the	the	DET
cblr-9988	176	104	bank	bank	NOUN
cblr-9988	176	105	time	time	NOUN
cblr-9988	176	106	to	to	PART
cblr-9988	176	107	manually	manually	ADV
cblr-9988	176	108	sort	sort	VERB
cblr-9988	176	109	out	out	ADP
cblr-9988	176	110	sole	sole	ADJ
cblr-9988	176	111	proprietorship	proprietorship	NOUN
cblr-9988	176	112	applications.49	applications.49	PROPN
cblr-9988	176	113	one	one	NUM
cblr-9988	176	114	study	study	NOUN
cblr-9988	176	115	also	also	ADV
cblr-9988	176	116	found	find	VERB
cblr-9988	176	117	that	that	SCONJ
cblr-9988	176	118	new	new	PROPN
cblr-9988	176	119	jersey	jersey	PROPN
cblr-9988	176	120	minority	minority	NOUN
cblr-9988	176	121	-	-	PUNCT
cblr-9988	176	122	owned	own	VERB
cblr-9988	176	123	businesses	business	NOUN
cblr-9988	176	124	were	be	AUX
cblr-9988	176	125	less	less	ADV
cblr-9988	176	126	likely	likely	ADJ
cblr-9988	176	127	to	to	PART
cblr-9988	176	128	receive	receive	VERB
cblr-9988	176	129	fully	fully	ADV
cblr-9988	176	130	-	-	PUNCT
cblr-9988	176	131	requested	request	VERB
cblr-9988	176	132	government	government	NOUN
cblr-9988	176	133	ppp	ppp	NOUN
cblr-9988	176	134	funds	fund	NOUN
cblr-9988	176	135	than	than	ADP
cblr-9988	176	136	white	white	ADV
cblr-9988	176	137	-	-	PUNCT
cblr-9988	176	138	owned	own	VERB
cblr-9988	176	139	businesses.50	businesses.50	NOUN
cblr-9988	176	140	while	while	SCONJ
cblr-9988	176	141	seventy	seventy	NUM
cblr-9988	176	142	-	-	PUNCT
cblr-9988	176	143	six	six	NUM
cblr-9988	176	144	percent	percent	NOUN
cblr-9988	176	145	of	of	ADP
cblr-9988	176	146	white	white	ADJ
cblr-9988	176	147	-	-	PUNCT
cblr-9988	176	148	owned	own	VERB
cblr-9988	176	149	business	business	NOUN
cblr-9988	176	150	reported	report	VERB
cblr-9988	176	151	receiving	receive	VERB
cblr-9988	176	152	fully	fully	ADV
cblr-9988	176	153	-	-	PUNCT
cblr-9988	176	154	requested	request	VERB
cblr-9988	176	155	ppp	ppp	NOUN
cblr-9988	176	156	funds	fund	NOUN
cblr-9988	176	157	,	,	PUNCT
cblr-9988	176	158	only	only	ADV
cblr-9988	176	159	forty	forty	NUM
cblr-9988	176	160	-	-	PUNCT
cblr-9988	176	161	four	four	NUM
cblr-9988	176	162	percent	percent	NOUN
cblr-9988	176	163	of	of	ADP
cblr-9988	176	164	44	44	NUM
cblr-9988	176	165	business	business	NOUN
cblr-9988	176	166	loan	loan	NOUN
cblr-9988	176	167	program	program	NOUN
cblr-9988	176	168	temporary	temporary	ADJ
cblr-9988	176	169	changes	change	NOUN
cblr-9988	176	170	;	;	PUNCT
cblr-9988	176	171	paycheck	paycheck	NOUN
cblr-9988	176	172	protection	protection	NOUN
cblr-9988	176	173	program	program	NOUN
cblr-9988	176	174	—	—	PUNCT
cblr-9988	176	175	revisions	revision	NOUN
cblr-9988	176	176	to	to	ADP
cblr-9988	176	177	loan	loan	NOUN
cblr-9988	176	178	amount	amount	NOUN
cblr-9988	176	179	calculation	calculation	NOUN
cblr-9988	176	180	and	and	CCONJ
cblr-9988	176	181	eligibility	eligibility	NOUN
cblr-9988	176	182	,	,	PUNCT
cblr-9988	176	183	86	86	NUM
cblr-9988	176	184	fed	feed	VERB
cblr-9988	176	185	.	.	PUNCT
cblr-9988	177	1	reg	reg	PROPN
cblr-9988	177	2	.	.	PROPN
cblr-9988	178	1	13,149	13,149	NUM
cblr-9988	178	2	,	,	PUNCT
cblr-9988	178	3	13,150	13,150	NUM
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cblr-9988	178	6	.	.	PROPN
cblr-9988	178	7	8	8	NUM
cblr-9988	178	8	,	,	PUNCT
cblr-9988	178	9	2021	2021	NUM
cblr-9988	178	10	)	)	PUNCT
cblr-9988	178	11	(	(	PUNCT
cblr-9988	178	12	to	to	PART
cblr-9988	178	13	be	be	AUX
cblr-9988	178	14	codified	codify	VERB
cblr-9988	178	15	at	at	ADP
cblr-9988	178	16	13	13	NUM
cblr-9988	178	17	c.f.r	c.f.r	NOUN
cblr-9988	178	18	.	.	PUNCT
cblr-9988	179	1	pt	pt	PROPN
cblr-9988	179	2	.	.	PROPN
cblr-9988	179	3	120	120	NUM
cblr-9988	179	4	)	)	PUNCT
cblr-9988	179	5	.	.	PUNCT
cblr-9988	180	1	45	45	NUM
cblr-9988	180	2	stacy	stacy	PROPN
cblr-9988	180	3	cowley	cowley	PROPN
cblr-9988	180	4	,	,	PUNCT
cblr-9988	180	5	supra	supra	PROPN
cblr-9988	180	6	note	note	NOUN
cblr-9988	180	7	43	43	NUM
cblr-9988	180	8	.	.	PUNCT
cblr-9988	180	9	46	46	NUM
cblr-9988	181	1	the	the	DET
cblr-9988	181	2	small	small	PROPN
cblr-9988	181	3	business	business	PROPN
cblr-9988	181	4	association	association	PROPN
cblr-9988	181	5	issued	issue	VERB
cblr-9988	181	6	a	a	DET
cblr-9988	181	7	rule	rule	NOUN
cblr-9988	181	8	allowing	allow	VERB
cblr-9988	181	9	sole	sole	ADJ
cblr-9988	181	10	proprietorships	proprietorship	NOUN
cblr-9988	181	11	to	to	PART
cblr-9988	181	12	use	use	VERB
cblr-9988	181	13	gross	gross	ADJ
cblr-9988	181	14	income	income	NOUN
cblr-9988	181	15	,	,	PUNCT
cblr-9988	181	16	instead	instead	ADV
cblr-9988	181	17	of	of	ADP
cblr-9988	181	18	net	net	ADJ
cblr-9988	181	19	income	income	NOUN
cblr-9988	181	20	,	,	PUNCT
cblr-9988	181	21	in	in	ADP
cblr-9988	181	22	their	their	PRON
cblr-9988	181	23	ppp	ppp	NOUN
cblr-9988	181	24	eligibility	eligibility	NOUN
cblr-9988	181	25	calculation	calculation	NOUN
cblr-9988	181	26	—	—	PUNCT
cblr-9988	181	27	thus	thus	ADV
cblr-9988	181	28	allowing	allow	VERB
cblr-9988	181	29	unprofitable	unprofitable	ADJ
cblr-9988	181	30	sole	sole	ADJ
cblr-9988	181	31	proprietorships	proprietorship	NOUN
cblr-9988	181	32	to	to	PART
cblr-9988	181	33	be	be	AUX
cblr-9988	181	34	eligible	eligible	ADJ
cblr-9988	181	35	for	for	ADP
cblr-9988	181	36	ppp	ppp	PROPN
cblr-9988	181	37	funding	funding	PROPN
cblr-9988	181	38	.	.	PUNCT
cblr-9988	182	1	business	business	NOUN
cblr-9988	182	2	loan	loan	NOUN
cblr-9988	182	3	program	program	NOUN
cblr-9988	182	4	temporary	temporary	ADJ
cblr-9988	182	5	changes	change	NOUN
cblr-9988	182	6	;	;	PUNCT
cblr-9988	182	7	paycheck	paycheck	NOUN
cblr-9988	182	8	protection	protection	NOUN
cblr-9988	182	9	program	program	NOUN
cblr-9988	182	10	—	—	PUNCT
cblr-9988	182	11	revisions	revision	NOUN
cblr-9988	182	12	to	to	ADP
cblr-9988	182	13	loan	loan	NOUN
cblr-9988	182	14	amount	amount	NOUN
cblr-9988	182	15	calculation	calculation	NOUN
cblr-9988	182	16	and	and	CCONJ
cblr-9988	182	17	eligibility	eligibility	NOUN
cblr-9988	182	18	,	,	PUNCT
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cblr-9988	183	1	reg	reg	PROPN
cblr-9988	183	2	.	.	PUNCT
cblr-9988	184	1	at	at	ADP
cblr-9988	184	2	13,150	13,150	NUM
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cblr-9988	185	12	business	business	NOUN
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cblr-9988	185	14	,	,	PUNCT
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cblr-9988	185	17	persist	persist	VERB
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cblr-9988	185	19	lending	lending	NOUN
cblr-9988	185	20	program	program	NOUN
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cblr-9988	185	28	,	,	PUNCT
cblr-9988	185	29	2021	2021	NUM
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cblr-9988	185	31	,	,	PUNCT
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cblr-9988	186	1	[	[	X
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cblr-9988	186	4	.	.	PUNCT
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cblr-9988	187	2	carmen	carman	NOUN
cblr-9988	187	3	reinicke	reinicke	NOUN
cblr-9988	187	4	,	,	PUNCT
cblr-9988	187	5	small	small	ADJ
cblr-9988	187	6	businesses	business	NOUN
cblr-9988	187	7	have	have	VERB
cblr-9988	187	8	2	2	NUM
cblr-9988	187	9	more	more	ADJ
cblr-9988	187	10	months	month	NOUN
cblr-9988	187	11	to	to	PART
cblr-9988	187	12	apply	apply	VERB
cblr-9988	187	13	for	for	ADP
cblr-9988	187	14	forgivable	forgivable	ADJ
cblr-9988	187	15	ppp	ppp	NOUN
cblr-9988	187	16	loans	loan	NOUN
cblr-9988	187	17	.	.	PUNCT
cblr-9988	188	1	here	here	ADV
cblr-9988	188	2	’s	’	VERB
cblr-9988	188	3	what	what	PRON
cblr-9988	188	4	you	you	PRON
cblr-9988	188	5	need	need	VERB
cblr-9988	188	6	to	to	PART
cblr-9988	188	7	know	know	VERB
cblr-9988	188	8	,	,	PUNCT
cblr-9988	188	9	cnbc	cnbc	PROPN
cblr-9988	188	10	(	(	PUNCT
cblr-9988	188	11	mar	mar	PROPN
cblr-9988	188	12	.	.	PROPN
cblr-9988	188	13	26	26	NUM
cblr-9988	188	14	.	.	NOUN
cblr-9988	188	15	2021	2021	NUM
cblr-9988	188	16	,	,	PUNCT
cblr-9988	188	17	1:53	1:53	NUM
cblr-9988	188	18	pm	pm	NOUN
cblr-9988	188	19	)	)	PUNCT
cblr-9988	188	20	,	,	PUNCT
cblr-9988	188	21	https://www.cnbc.com/2021/03/26/small-businesses-have-2more-months-to-apply-for-forgivable-ppp-loans.html	https://www.cnbc.com/2021/03/26/small-businesses-have-2more-months-to-apply-for-forgivable-ppp-loans.html	VERB
cblr-9988	188	22	[	[	X
cblr-9988	188	23	https://perma.cc/8nbt-bt8z	https://perma.cc/8nbt-bt8z	X
cblr-9988	188	24	]	]	X
cblr-9988	188	25	.	.	PUNCT
cblr-9988	189	1	49	49	NUM
cblr-9988	189	2	stacy	stacy	PROPN
cblr-9988	189	3	cowley	cowley	PROPN
cblr-9988	189	4	,	,	PUNCT
cblr-9988	189	5	looming	loom	VERB
cblr-9988	189	6	deadlines	deadline	NOUN
cblr-9988	189	7	and	and	CCONJ
cblr-9988	189	8	last	last	ADJ
cblr-9988	189	9	-	-	PUNCT
cblr-9988	189	10	minute	minute	NOUN
cblr-9988	189	11	changes	change	NOUN
cblr-9988	189	12	hinder	hinder	NOUN
cblr-9988	189	13	p.p.p	p.p.p	VERB
cblr-9988	189	14	.	.	PUNCT
cblr-9988	190	1	loans	loan	NOUN
cblr-9988	190	2	,	,	PUNCT
cblr-9988	190	3	n.y	n.y	PROPN
cblr-9988	190	4	.	.	PROPN
cblr-9988	190	5	times	times	PROPN
cblr-9988	190	6	(	(	PUNCT
cblr-9988	190	7	mar	mar	PROPN
cblr-9988	190	8	.	.	PROPN
cblr-9988	190	9	16	16	NUM
cblr-9988	190	10	,	,	PUNCT
cblr-9988	190	11	2021	2021	NUM
cblr-9988	190	12	)	)	PUNCT
cblr-9988	190	13	,	,	PUNCT
cblr-9988	190	14	https://www.nytimes.com/2021/03/09/business/ppp-small-businessdeadline.html	https://www.nytimes.com/2021/03/09/business/ppp-small-businessdeadline.html	PROPN
cblr-9988	191	1	[	[	X
cblr-9988	191	2	https://perma.cc/csa5-7glu	https://perma.cc/csa5-7glu	X
cblr-9988	191	3	]	]	PUNCT
cblr-9988	191	4	.	.	PUNCT
cblr-9988	192	1	50	50	NUM
cblr-9988	192	2	sanchez	sanchez	NOUN
cblr-9988	192	3	et	et	PROPN
cblr-9988	192	4	al	al	PROPN
cblr-9988	192	5	.	.	PROPN
cblr-9988	192	6	,	,	PUNCT
cblr-9988	192	7	fed	fed	PROPN
cblr-9988	192	8	.	.	PUNCT
cblr-9988	192	9	rsrv	rsrv	PROPN
cblr-9988	192	10	.	.	PUNCT
cblr-9988	193	1	bank	bank	PROPN
cblr-9988	193	2	of	of	ADP
cblr-9988	193	3	phila	phila	PROPN
cblr-9988	193	4	.	.	PUNCT
cblr-9988	194	1	,	,	PUNCT
cblr-9988	194	2	supra	supra	PROPN
cblr-9988	194	3	note	note	VERB
cblr-9988	194	4	37	37	NUM
cblr-9988	194	5	,	,	PUNCT
cblr-9988	194	6	at	at	ADP
cblr-9988	194	7	9	9	NUM
cblr-9988	195	1	.	.	NUM
cblr-9988	195	2	634	634	NUM
cblr-9988	195	3	columbia	columbia	PROPN
cblr-9988	195	4	business	business	NOUN
cblr-9988	195	5	law	law	PROPN
cblr-9988	195	6	review	review	NOUN
cblr-9988	195	7	[	[	X
cblr-9988	195	8	vol	vol	NOUN
cblr-9988	195	9	.	.	PUNCT
cblr-9988	195	10	2022	2022	NUM
cblr-9988	195	11	black	black	NOUN
cblr-9988	195	12	-	-	PUNCT
cblr-9988	195	13	owned	own	VERB
cblr-9988	195	14	businesses	business	NOUN
cblr-9988	195	15	,	,	PUNCT
cblr-9988	195	16	and	and	CCONJ
cblr-9988	195	17	fifty	fifty	NUM
cblr-9988	195	18	-	-	PUNCT
cblr-9988	195	19	six	six	NUM
cblr-9988	195	20	percent	percent	NOUN
cblr-9988	195	21	of	of	ADP
cblr-9988	195	22	asian	asian	ADJ
cblr-9988	195	23	-	-	PUNCT
cblr-9988	195	24	owned	own	VERB
cblr-9988	195	25	businesses	business	NOUN
cblr-9988	195	26	received	receive	VERB
cblr-9988	195	27	the	the	DET
cblr-9988	195	28	same.51	same.51	NOUN
cblr-9988	195	29	twenty	twenty	NUM
cblr-9988	195	30	percent	percent	NOUN
cblr-9988	195	31	of	of	ADP
cblr-9988	195	32	hispanicowned	hispanicowne	VERB
cblr-9988	195	33	firms	firm	NOUN
cblr-9988	195	34	received	receive	VERB
cblr-9988	195	35	none	none	NOUN
cblr-9988	195	36	of	of	ADP
cblr-9988	195	37	the	the	DET
cblr-9988	195	38	ppp	ppp	NOUN
cblr-9988	195	39	funds	fund	NOUN
cblr-9988	195	40	they	they	PRON
cblr-9988	195	41	requested	request	VERB
cblr-9988	195	42	,	,	PUNCT
cblr-9988	195	43	compared	compare	VERB
cblr-9988	195	44	to	to	ADP
cblr-9988	195	45	the	the	DET
cblr-9988	195	46	overall	overall	ADJ
cblr-9988	195	47	firm	firm	ADJ
cblr-9988	195	48	average	average	NOUN
cblr-9988	195	49	of	of	ADP
cblr-9988	195	50	three	three	NUM
cblr-9988	195	51	percent	percent	NOUN
cblr-9988	195	52	that	that	PRON
cblr-9988	195	53	received	receive	VERB
cblr-9988	195	54	no	no	DET
cblr-9988	195	55	ppp	ppp	NOUN
cblr-9988	195	56	funds.52	funds.52	NOUN
cblr-9988	195	57	without	without	ADP
cblr-9988	195	58	a	a	DET
cblr-9988	195	59	structure	structure	NOUN
cblr-9988	195	60	in	in	ADP
cblr-9988	195	61	place	place	NOUN
cblr-9988	195	62	to	to	PART
cblr-9988	195	63	ensure	ensure	VERB
cblr-9988	195	64	all	all	DET
cblr-9988	195	65	business	business	NOUN
cblr-9988	195	66	owners	owner	NOUN
cblr-9988	195	67	have	have	VERB
cblr-9988	195	68	access	access	NOUN
cblr-9988	195	69	to	to	ADP
cblr-9988	195	70	emergency	emergency	NOUN
cblr-9988	195	71	funding	funding	NOUN
cblr-9988	195	72	,	,	PUNCT
cblr-9988	195	73	and	and	CCONJ
cblr-9988	195	74	without	without	ADP
cblr-9988	195	75	monitoring	monitoring	NOUN
cblr-9988	195	76	of	of	ADP
cblr-9988	195	77	fund	fund	NOUN
cblr-9988	195	78	administration	administration	NOUN
cblr-9988	195	79	to	to	PART
cblr-9988	195	80	prevent	prevent	VERB
cblr-9988	195	81	racial	racial	ADJ
cblr-9988	195	82	discrimination	discrimination	NOUN
cblr-9988	195	83	,	,	PUNCT
cblr-9988	195	84	blackand	blackand	NOUN
cblr-9988	195	85	minority	minority	NOUN
cblr-9988	195	86	-	-	PUNCT
cblr-9988	195	87	owned	own	VERB
cblr-9988	195	88	businesses	business	NOUN
cblr-9988	195	89	are	be	AUX
cblr-9988	195	90	particularly	particularly	ADV
cblr-9988	195	91	vulnerable	vulnerable	ADJ
cblr-9988	195	92	during	during	ADP
cblr-9988	195	93	a	a	DET
cblr-9988	195	94	recession	recession	NOUN
cblr-9988	195	95	.	.	PUNCT
cblr-9988	196	1	because	because	SCONJ
cblr-9988	196	2	minority	minority	NOUN
cblr-9988	196	3	-	-	PUNCT
cblr-9988	196	4	owned	own	VERB
cblr-9988	196	5	small	small	ADJ
cblr-9988	196	6	businesses	business	NOUN
cblr-9988	196	7	often	often	ADV
cblr-9988	196	8	operate	operate	VERB
cblr-9988	196	9	in	in	ADP
cblr-9988	196	10	communities	community	NOUN
cblr-9988	196	11	that	that	PRON
cblr-9988	196	12	are	be	AUX
cblr-9988	196	13	especially	especially	ADV
cblr-9988	196	14	negatively	negatively	ADV
cblr-9988	196	15	impacted	impact	VERB
cblr-9988	196	16	by	by	ADP
cblr-9988	196	17	a	a	DET
cblr-9988	196	18	recession	recession	NOUN
cblr-9988	196	19	,	,	PUNCT
cblr-9988	196	20	the	the	DET
cblr-9988	196	21	financial	financial	ADJ
cblr-9988	196	22	institutions	institution	NOUN
cblr-9988	196	23	that	that	PRON
cblr-9988	196	24	serve	serve	VERB
cblr-9988	196	25	these	these	DET
cblr-9988	196	26	businesses	business	NOUN
cblr-9988	196	27	are	be	AUX
cblr-9988	196	28	vulnerable	vulnerable	ADJ
cblr-9988	196	29	too	too	ADV
cblr-9988	196	30	.	.	PUNCT
cblr-9988	197	1	shorebank	shorebank	ADJ
cblr-9988	197	2	,	,	PUNCT
cblr-9988	197	3	a	a	DET
cblr-9988	197	4	well	well	ADV
cblr-9988	197	5	-	-	PUNCT
cblr-9988	197	6	known	know	VERB
cblr-9988	197	7	community	community	NOUN
cblr-9988	197	8	bank	bank	NOUN
cblr-9988	197	9	that	that	PRON
cblr-9988	197	10	aimed	aim	VERB
cblr-9988	197	11	to	to	PART
cblr-9988	197	12	invest	invest	VERB
cblr-9988	197	13	in	in	ADP
cblr-9988	197	14	inner	inner	ADJ
cblr-9988	197	15	-	-	PUNCT
cblr-9988	197	16	city	city	NOUN
cblr-9988	197	17	chicago	chicago	NOUN
cblr-9988	197	18	,	,	PUNCT
cblr-9988	197	19	was	be	AUX
cblr-9988	197	20	unable	unable	ADJ
cblr-9988	197	21	to	to	PART
cblr-9988	197	22	survive	survive	VERB
cblr-9988	197	23	the	the	DET
cblr-9988	197	24	2008	2008	NUM
cblr-9988	197	25	financial	financial	ADJ
cblr-9988	197	26	crisis.53	crisis.53	NOUN
cblr-9988	197	27	shorebank	shorebank	NOUN
cblr-9988	197	28	processed	process	VERB
cblr-9988	197	29	smaller	small	ADJ
cblr-9988	197	30	average	average	ADJ
cblr-9988	197	31	transactions	transaction	NOUN
cblr-9988	197	32	than	than	ADP
cblr-9988	197	33	other	other	ADJ
cblr-9988	197	34	banks	bank	NOUN
cblr-9988	197	35	,	,	PUNCT
cblr-9988	197	36	making	make	VERB
cblr-9988	197	37	them	they	PRON
cblr-9988	197	38	less	less	ADJ
cblr-9988	197	39	profitable.54	profitable.54	NOUN
cblr-9988	197	40	inner	inner	ADJ
cblr-9988	197	41	-	-	PUNCT
cblr-9988	197	42	city	city	NOUN
cblr-9988	197	43	chicago	chicago	PROPN
cblr-9988	197	44	was	be	AUX
cblr-9988	197	45	hit	hit	VERB
cblr-9988	197	46	particularly	particularly	ADV
cblr-9988	197	47	hard	hard	ADJ
cblr-9988	197	48	by	by	ADP
cblr-9988	197	49	the	the	DET
cblr-9988	197	50	2008	2008	NUM
cblr-9988	197	51	financial	financial	ADJ
cblr-9988	197	52	crisis	crisis	NOUN
cblr-9988	197	53	and	and	CCONJ
cblr-9988	197	54	had	have	VERB
cblr-9988	197	55	high	high	ADJ
cblr-9988	197	56	unemployment.55	unemployment.55	NOUN
cblr-9988	197	57	as	as	ADP
cblr-9988	197	58	a	a	DET
cblr-9988	197	59	result	result	NOUN
cblr-9988	197	60	,	,	PUNCT
cblr-9988	197	61	shorebank	shorebank	ADJ
cblr-9988	197	62	eventually	eventually	ADV
cblr-9988	197	63	ran	run	VERB
cblr-9988	197	64	out	out	ADP
cblr-9988	197	65	of	of	ADP
cblr-9988	197	66	capital	capital	NOUN
cblr-9988	197	67	and	and	CCONJ
cblr-9988	197	68	declared	declare	VERB
cblr-9988	197	69	insolvency.56	insolvency.56	NOUN
cblr-9988	197	70	financial	financial	ADJ
cblr-9988	197	71	institutions	institution	NOUN
cblr-9988	197	72	that	that	PRON
cblr-9988	197	73	aim	aim	VERB
cblr-9988	197	74	to	to	PART
cblr-9988	197	75	serve	serve	VERB
cblr-9988	197	76	low	low	ADJ
cblr-9988	197	77	-	-	PUNCT
cblr-9988	197	78	income	income	NOUN
cblr-9988	197	79	or	or	CCONJ
cblr-9988	197	80	minority	minority	NOUN
cblr-9988	197	81	communities	community	NOUN
cblr-9988	197	82	face	face	VERB
cblr-9988	197	83	similar	similar	ADJ
cblr-9988	197	84	problems	problem	NOUN
cblr-9988	197	85	to	to	PART
cblr-9988	197	86	shorebank	shorebank	VERB
cblr-9988	197	87	—	—	PUNCT
cblr-9988	197	88	they	they	PRON
cblr-9988	197	89	are	be	AUX
cblr-9988	197	90	often	often	ADV
cblr-9988	197	91	are	be	AUX
cblr-9988	197	92	less	less	ADJ
cblr-9988	197	93	profitable57	profitable57	NOUN
cblr-9988	197	94	and	and	CCONJ
cblr-9988	197	95	more	more	ADV
cblr-9988	197	96	exposed	expose	VERB
cblr-9988	197	97	to	to	ADP
cblr-9988	197	98	risk	risk	NOUN
cblr-9988	197	99	.	.	PUNCT
cblr-9988	198	1	3	3	X
cblr-9988	198	2	.	.	X
cblr-9988	198	3	reform	reform	NOUN
cblr-9988	198	4	efforts	effort	NOUN
cblr-9988	198	5	have	have	AUX
cblr-9988	198	6	had	have	VERB
cblr-9988	198	7	limited	limit	VERB
cblr-9988	198	8	effects	effect	NOUN
cblr-9988	198	9	on	on	ADP
cblr-9988	198	10	addressing	address	VERB
cblr-9988	198	11	the	the	DET
cblr-9988	198	12	gap	gap	NOUN
cblr-9988	198	13	in	in	ADP
cblr-9988	198	14	access	access	NOUN
cblr-9988	198	15	to	to	ADP
cblr-9988	198	16	credit	credit	NOUN
cblr-9988	198	17	for	for	ADP
cblr-9988	198	18	lowincome	lowincome	NOUN
cblr-9988	198	19	minority	minority	NOUN
cblr-9988	198	20	borrowers	borrower	NOUN
cblr-9988	198	21	to	to	PART
cblr-9988	198	22	promote	promote	VERB
cblr-9988	198	23	community	community	NOUN
cblr-9988	198	24	development	development	NOUN
cblr-9988	198	25	in	in	ADP
cblr-9988	198	26	low	low	ADJ
cblr-9988	198	27	-	-	PUNCT
cblr-9988	198	28	income	income	NOUN
cblr-9988	198	29	areas	area	NOUN
cblr-9988	198	30	,	,	PUNCT
cblr-9988	198	31	congress	congress	PROPN
cblr-9988	198	32	passed	pass	VERB
cblr-9988	198	33	the	the	DET
cblr-9988	198	34	riegle	riegle	ADJ
cblr-9988	198	35	community	community	NOUN
cblr-9988	198	36	development	development	NOUN
cblr-9988	198	37	and	and	CCONJ
cblr-9988	198	38	51	51	NUM
cblr-9988	198	39	i	i	PRON
cblr-9988	198	40	d.	d.	PROPN
cblr-9988	198	41	52	52	NUM
cblr-9988	199	1	i	i	PRON
cblr-9988	199	2	d.	d.	PROPN
cblr-9988	199	3	53	53	NUM
cblr-9988	199	4	baradaran	baradaran	PROPN
cblr-9988	199	5	,	,	PUNCT
cblr-9988	199	6	supra	supra	PROPN
cblr-9988	199	7	note	note	NOUN
cblr-9988	199	8	2	2	NUM
cblr-9988	199	9	,	,	PUNCT
cblr-9988	199	10	at	at	ADP
cblr-9988	199	11	162	162	NUM
cblr-9988	199	12	,	,	PUNCT
cblr-9988	199	13	165	165	NUM
cblr-9988	199	14	.	.	X
cblr-9988	199	15	54	54	NUM
cblr-9988	200	1	i	i	PRON
cblr-9988	200	2	d.	d.	VERB
cblr-9988	200	3	at	at	ADP
cblr-9988	200	4	164	164	NUM
cblr-9988	200	5	.	.	PUNCT
cblr-9988	201	1	55	55	NUM
cblr-9988	202	1	i	i	PRON
cblr-9988	202	2	d.	d.	VERB
cblr-9988	202	3	at	at	ADP
cblr-9988	202	4	165	165	NUM
cblr-9988	202	5	.	.	PUNCT
cblr-9988	203	1	56	56	NUM
cblr-9988	204	1	i	i	PRON
cblr-9988	204	2	d.	d.	PROPN
cblr-9988	204	3	at	at	ADP
cblr-9988	204	4	164	164	NUM
cblr-9988	204	5	.	.	PUNCT
cblr-9988	205	1	57	57	NUM
cblr-9988	205	2	see	see	NOUN
cblr-9988	205	3	infra	infra	NOUN
cblr-9988	205	4	section	section	NOUN
cblr-9988	205	5	ii.b.iii	ii.b.iii	NOUN
cblr-9988	205	6	.	.	PUNCT
cblr-9988	206	1	no	no	INTJ
cblr-9988	206	2	.	.	PUNCT
cblr-9988	207	1	1:621	1:621	NUM
cblr-9988	207	2	]	]	X
cblr-9988	207	3	expand	expand	VERB
cblr-9988	207	4	online	online	ADJ
cblr-9988	207	5	lending	lending	NOUN
cblr-9988	207	6	to	to	ADP
cblr-9988	207	7	minority	minority	NOUN
cblr-9988	207	8	business	business	NOUN
cblr-9988	207	9	owners	owner	NOUN
cblr-9988	207	10	635	635	NUM
cblr-9988	207	11	regulatory	regulatory	ADJ
cblr-9988	207	12	improvement	improvement	NOUN
cblr-9988	207	13	act	act	NOUN
cblr-9988	207	14	in	in	ADP
cblr-9988	207	15	1994.58	1994.58	NUM
cblr-9988	207	16	the	the	DET
cblr-9988	207	17	act	act	NOUN
cblr-9988	207	18	created	create	VERB
cblr-9988	207	19	the	the	DET
cblr-9988	207	20	cdfi	cdfi	PROPN
cblr-9988	207	21	fund	fund	NOUN
cblr-9988	207	22	,	,	PUNCT
cblr-9988	207	23	which	which	PRON
cblr-9988	207	24	provides	provide	VERB
cblr-9988	207	25	financial	financial	ADJ
cblr-9988	207	26	and	and	CCONJ
cblr-9988	207	27	technical	technical	ADJ
cblr-9988	207	28	assistance59	assistance59	NOUN
cblr-9988	207	29	to	to	ADP
cblr-9988	207	30	cdfis.60	cdfis.60	PROPN
cblr-9988	207	31	the	the	DET
cblr-9988	207	32	legislation	legislation	NOUN
cblr-9988	207	33	defines	define	VERB
cblr-9988	207	34	a	a	DET
cblr-9988	207	35	cdfi	cdfi	NOUN
cblr-9988	207	36	as	as	ADP
cblr-9988	207	37	an	an	DET
cblr-9988	207	38	institution	institution	NOUN
cblr-9988	207	39	that	that	SCONJ
cblr-9988	207	40	“	"	PUNCT
cblr-9988	207	41	(	(	PUNCT
cblr-9988	207	42	i	i	NOUN
cblr-9988	207	43	)	)	PUNCT
cblr-9988	207	44	has	have	VERB
cblr-9988	207	45	a	a	DET
cblr-9988	207	46	primary	primary	ADJ
cblr-9988	207	47	mission	mission	NOUN
cblr-9988	207	48	of	of	ADP
cblr-9988	207	49	promoting	promote	VERB
cblr-9988	207	50	community	community	NOUN
cblr-9988	207	51	development	development	NOUN
cblr-9988	207	52	;	;	PUNCT
cblr-9988	207	53	(	(	PUNCT
cblr-9988	207	54	ii	ii	NOUN
cblr-9988	207	55	)	)	PUNCT
cblr-9988	207	56	serves	serve	VERB
cblr-9988	207	57	an	an	DET
cblr-9988	207	58	investment	investment	NOUN
cblr-9988	207	59	area	area	NOUN
cblr-9988	207	60	or	or	CCONJ
cblr-9988	207	61	targeted	target	VERB
cblr-9988	207	62	population	population	NOUN
cblr-9988	207	63	;	;	PUNCT
cblr-9988	207	64	(	(	PUNCT
cblr-9988	207	65	iii	iii	NOUN
cblr-9988	207	66	)	)	PUNCT
cblr-9988	207	67	provides	provide	VERB
cblr-9988	207	68	development	development	NOUN
cblr-9988	207	69	services	service	NOUN
cblr-9988	207	70	.	.	PUNCT
cblr-9988	207	71	.	.	PUNCT
cblr-9988	207	72	.	.	PUNCT
cblr-9988	208	1	;	;	PUNCT
cblr-9988	209	1	[	[	X
cblr-9988	209	2	and	and	CCONJ
cblr-9988	209	3	]	]	PUNCT
cblr-9988	209	4	(	(	PUNCT
cblr-9988	209	5	iv	iv	X
cblr-9988	209	6	)	)	PUNCT
cblr-9988	209	7	maintains	maintain	VERB
cblr-9988	209	8	,	,	PUNCT
cblr-9988	209	9	through	through	ADP
cblr-9988	209	10	representation	representation	NOUN
cblr-9988	209	11	on	on	ADP
cblr-9988	209	12	its	its	PRON
cblr-9988	209	13	governing	govern	VERB
cblr-9988	209	14	board	board	NOUN
cblr-9988	209	15	or	or	CCONJ
cblr-9988	209	16	otherwise	otherwise	ADV
cblr-9988	209	17	,	,	PUNCT
cblr-9988	209	18	accountability	accountability	NOUN
cblr-9988	209	19	to	to	ADP
cblr-9988	209	20	residents	resident	NOUN
cblr-9988	209	21	of	of	ADP
cblr-9988	209	22	its	its	PRON
cblr-9988	209	23	investment	investment	NOUN
cblr-9988	209	24	are	be	AUX
cblr-9988	209	25	or	or	CCONJ
cblr-9988	209	26	targeted	target	VERB
cblr-9988	209	27	population”61	population”61	NOUN
cblr-9988	209	28	cdfis	cdfis	NOUN
cblr-9988	209	29	may	may	AUX
cblr-9988	209	30	receive	receive	VERB
cblr-9988	209	31	financial	financial	ADJ
cblr-9988	209	32	assistance	assistance	NOUN
cblr-9988	209	33	in	in	ADP
cblr-9988	209	34	the	the	DET
cblr-9988	209	35	form	form	NOUN
cblr-9988	209	36	of	of	ADP
cblr-9988	209	37	equity	equity	NOUN
cblr-9988	209	38	investments	investment	NOUN
cblr-9988	209	39	,	,	PUNCT
cblr-9988	209	40	deposits	deposit	NOUN
cblr-9988	209	41	,	,	PUNCT
cblr-9988	209	42	credit	credit	NOUN
cblr-9988	209	43	union	union	NOUN
cblr-9988	209	44	shares	share	NOUN
cblr-9988	209	45	,	,	PUNCT
cblr-9988	209	46	loans	loan	NOUN
cblr-9988	209	47	,	,	PUNCT
cblr-9988	209	48	or	or	CCONJ
cblr-9988	209	49	grants.62	grants.62	NOUN
cblr-9988	209	50	institutions	institution	NOUN
cblr-9988	209	51	receiving	receive	VERB
cblr-9988	209	52	financial	financial	ADJ
cblr-9988	209	53	assistance	assistance	NOUN
cblr-9988	209	54	from	from	ADP
cblr-9988	209	55	the	the	DET
cblr-9988	209	56	cdfi	cdfi	PROPN
cblr-9988	209	57	fund	fund	NOUN
cblr-9988	209	58	must	must	AUX
cblr-9988	209	59	match	match	VERB
cblr-9988	209	60	the	the	DET
cblr-9988	209	61	funds	fund	NOUN
cblr-9988	209	62	dollar	dollar	NOUN
cblr-9988	209	63	-	-	PUNCT
cblr-9988	209	64	for	for	ADP
cblr-9988	209	65	-	-	PUNCT
cblr-9988	209	66	dollar	dollar	NOUN
cblr-9988	209	67	with	with	ADP
cblr-9988	209	68	funding	funding	NOUN
cblr-9988	209	69	from	from	ADP
cblr-9988	209	70	external	external	ADJ
cblr-9988	209	71	sources.63	sources.63	PROPN
cblr-9988	209	72	to	to	PART
cblr-9988	209	73	receive	receive	VERB
cblr-9988	209	74	funding	funding	NOUN
cblr-9988	209	75	,	,	PUNCT
cblr-9988	209	76	institutions	institution	NOUN
cblr-9988	209	77	must	must	AUX
cblr-9988	209	78	sign	sign	VERB
cblr-9988	209	79	an	an	DET
cblr-9988	209	80	assistance	assistance	NOUN
cblr-9988	209	81	agreement	agreement	NOUN
cblr-9988	209	82	with	with	ADP
cblr-9988	209	83	the	the	DET
cblr-9988	209	84	cdfi	cdfi	PROPN
cblr-9988	209	85	fund	fund	NOUN
cblr-9988	209	86	to	to	PART
cblr-9988	209	87	meet	meet	VERB
cblr-9988	209	88	agreed	agree	VERB
cblr-9988	209	89	-	-	PUNCT
cblr-9988	209	90	upon	upon	ADP
cblr-9988	209	91	performance	performance	NOUN
cblr-9988	209	92	goals.64	goals.64	NOUN
cblr-9988	209	93	failure	failure	NOUN
cblr-9988	209	94	to	to	PART
cblr-9988	209	95	meet	meet	VERB
cblr-9988	209	96	those	those	DET
cblr-9988	209	97	performance	performance	NOUN
cblr-9988	209	98	goals	goal	NOUN
cblr-9988	209	99	may	may	AUX
cblr-9988	209	100	result	result	VERB
cblr-9988	209	101	in	in	ADP
cblr-9988	209	102	the	the	DET
cblr-9988	209	103	reduction	reduction	NOUN
cblr-9988	209	104	or	or	CCONJ
cblr-9988	209	105	termination	termination	NOUN
cblr-9988	209	106	of	of	ADP
cblr-9988	209	107	financial	financial	ADJ
cblr-9988	209	108	assistance	assistance	NOUN
cblr-9988	209	109	,	,	PUNCT
cblr-9988	209	110	or	or	CCONJ
cblr-9988	209	111	other	other	ADJ
cblr-9988	209	112	sanctions.65	sanctions.65	NOUN
cblr-9988	209	113	58	58	NUM
cblr-9988	209	114	riegle	riegle	ADJ
cblr-9988	209	115	community	community	NOUN
cblr-9988	209	116	development	development	NOUN
cblr-9988	209	117	and	and	CCONJ
cblr-9988	209	118	regulatory	regulatory	ADJ
cblr-9988	209	119	improvement	improvement	NOUN
cblr-9988	209	120	act	act	NOUN
cblr-9988	209	121	of	of	ADP
cblr-9988	209	122	1994	1994	NUM
cblr-9988	209	123	,	,	PUNCT
cblr-9988	209	124	pub	pub	NOUN
cblr-9988	209	125	.	.	PUNCT
cblr-9988	210	1	l.	l.	PROPN
cblr-9988	210	2	no	no	INTJ
cblr-9988	210	3	.	.	PROPN
cblr-9988	211	1	103	103	NUM
cblr-9988	211	2	-	-	SYM
cblr-9988	211	3	325	325	NUM
cblr-9988	211	4	,	,	PUNCT
cblr-9988	211	5	108	108	NUM
cblr-9988	211	6	stat	stat	NOUN
cblr-9988	211	7	.	.	PUNCT
cblr-9988	212	1	2160	2160	NUM
cblr-9988	212	2	(	(	PUNCT
cblr-9988	212	3	1994	1994	NUM
cblr-9988	212	4	)	)	PUNCT
cblr-9988	212	5	.	.	PUNCT
cblr-9988	213	1	59	59	NUM
cblr-9988	213	2	12	12	NUM
cblr-9988	213	3	u.s.c	u.s.c	NOUN
cblr-9988	213	4	.	.	PUNCT
cblr-9988	214	1	§	§	PROPN
cblr-9988	214	2	4704(a	4704(a	NOUN
cblr-9988	214	3	)	)	PUNCT
cblr-9988	214	4	(	(	PUNCT
cblr-9988	214	5	2018	2018	NUM
cblr-9988	214	6	)	)	PUNCT
cblr-9988	214	7	(	(	PUNCT
cblr-9988	214	8	identifying	identify	VERB
cblr-9988	214	9	the	the	DET
cblr-9988	214	10	types	type	NOUN
cblr-9988	214	11	of	of	ADP
cblr-9988	214	12	assistance	assistance	NOUN
cblr-9988	214	13	offered	offer	VERB
cblr-9988	214	14	by	by	ADP
cblr-9988	214	15	the	the	DET
cblr-9988	214	16	cdfi	cdfi	PROPN
cblr-9988	214	17	fund	fund	NOUN
cblr-9988	214	18	)	)	PUNCT
cblr-9988	214	19	.	.	PUNCT
cblr-9988	215	1	60	60	NUM
cblr-9988	216	1	i	i	PRON
cblr-9988	216	2	d.	d.	PROPN
cblr-9988	216	3	§	§	PROPN
cblr-9988	216	4	4703(a	4703(a	NUM
cblr-9988	216	5	)	)	PUNCT
cblr-9988	216	6	(	(	PUNCT
cblr-9988	216	7	establishing	establish	VERB
cblr-9988	216	8	the	the	DET
cblr-9988	216	9	cdfi	cdfi	PROPN
cblr-9988	216	10	fund	fund	NOUN
cblr-9988	216	11	)	)	PUNCT
cblr-9988	216	12	.	.	PUNCT
cblr-9988	217	1	61	61	NUM
cblr-9988	218	1	i	i	PRON
cblr-9988	218	2	d.	d.	PROPN
cblr-9988	218	3	§	§	PROPN
cblr-9988	218	4	4702(5)(a	4702(5)(a	PROPN
cblr-9988	218	5	)	)	PUNCT
cblr-9988	218	6	.	.	PUNCT
cblr-9988	219	1	“	"	PUNCT
cblr-9988	219	2	development	development	NOUN
cblr-9988	219	3	services	service	NOUN
cblr-9988	219	4	”	"	PUNCT
cblr-9988	219	5	are	be	AUX
cblr-9988	219	6	defined	define	VERB
cblr-9988	219	7	as	as	ADP
cblr-9988	219	8	“	"	PUNCT
cblr-9988	219	9	activities	activity	NOUN
cblr-9988	219	10	that	that	PRON
cblr-9988	219	11	promote	promote	VERB
cblr-9988	219	12	community	community	NOUN
cblr-9988	219	13	development	development	NOUN
cblr-9988	219	14	”	"	PUNCT
cblr-9988	219	15	such	such	ADJ
cblr-9988	219	16	as	as	ADP
cblr-9988	219	17	business	business	NOUN
cblr-9988	219	18	planning	planning	NOUN
cblr-9988	219	19	,	,	PUNCT
cblr-9988	219	20	financial	financial	ADJ
cblr-9988	219	21	and	and	CCONJ
cblr-9988	219	22	credit	credit	NOUN
cblr-9988	219	23	counselling	counselling	NOUN
cblr-9988	219	24	,	,	PUNCT
cblr-9988	219	25	and	and	CCONJ
cblr-9988	219	26	marketing	marketing	NOUN
cblr-9988	219	27	and	and	CCONJ
cblr-9988	219	28	management	management	NOUN
cblr-9988	219	29	assistance	assistance	NOUN
cblr-9988	219	30	.	.	PUNCT
cblr-9988	220	1	i	i	PRON
cblr-9988	220	2	d.	d.	PROPN
cblr-9988	220	3	§	§	PROPN
cblr-9988	220	4	4702(9	4702(9	NUM
cblr-9988	220	5	)	)	PUNCT
cblr-9988	220	6	.	.	PUNCT
cblr-9988	221	1	“	"	PUNCT
cblr-9988	221	2	investment	investment	NOUN
cblr-9988	221	3	areas	area	NOUN
cblr-9988	221	4	”	"	PUNCT
cblr-9988	221	5	include	include	VERB
cblr-9988	221	6	areas	area	NOUN
cblr-9988	221	7	that	that	PRON
cblr-9988	221	8	meet	meet	VERB
cblr-9988	221	9	“	"	PUNCT
cblr-9988	221	10	objective	objective	ADJ
cblr-9988	221	11	criteria	criterion	NOUN
cblr-9988	221	12	of	of	ADP
cblr-9988	221	13	economic	economic	ADJ
cblr-9988	221	14	distress	distress	NOUN
cblr-9988	221	15	”	"	PUNCT
cblr-9988	221	16	and	and	CCONJ
cblr-9988	221	17	have	have	VERB
cblr-9988	221	18	“	"	PUNCT
cblr-9988	221	19	significant	significant	ADJ
cblr-9988	221	20	unmet	unmet	NOUN
cblr-9988	221	21	needs	need	NOUN
cblr-9988	221	22	for	for	ADP
cblr-9988	221	23	loans	loan	NOUN
cblr-9988	221	24	or	or	CCONJ
cblr-9988	221	25	equity	equity	NOUN
cblr-9988	221	26	investments	investment	NOUN
cblr-9988	221	27	.	.	PUNCT
cblr-9988	221	28	”	"	PUNCT
cblr-9988	222	1	i	i	PRON
cblr-9988	222	2	d.	d.	PROPN
cblr-9988	222	3	§	§	PROPN
cblr-9988	222	4	4702(16	4702(16	PROPN
cblr-9988	222	5	)	)	PUNCT
cblr-9988	222	6	.	.	PUNCT
cblr-9988	223	1	“	"	PUNCT
cblr-9988	223	2	low	low	ADJ
cblr-9988	223	3	-	-	PUNCT
cblr-9988	223	4	income	income	NOUN
cblr-9988	223	5	”	"	PUNCT
cblr-9988	223	6	as	as	SCONJ
cblr-9988	223	7	defined	define	VERB
cblr-9988	223	8	in	in	ADP
cblr-9988	223	9	the	the	DET
cblr-9988	223	10	act	act	NOUN
cblr-9988	223	11	means	mean	VERB
cblr-9988	223	12	an	an	DET
cblr-9988	223	13	income	income	NOUN
cblr-9988	223	14	of	of	ADP
cblr-9988	223	15	eighty	eighty	NUM
cblr-9988	223	16	percent	percent	NOUN
cblr-9988	223	17	or	or	CCONJ
cblr-9988	223	18	less	less	ADJ
cblr-9988	223	19	of	of	ADP
cblr-9988	223	20	the	the	DET
cblr-9988	223	21	area	area	NOUN
cblr-9988	223	22	median	median	ADJ
cblr-9988	223	23	income	income	NOUN
cblr-9988	223	24	,	,	PUNCT
cblr-9988	223	25	or	or	CCONJ
cblr-9988	223	26	,	,	PUNCT
cblr-9988	223	27	for	for	ADP
cblr-9988	223	28	nonmetropolitan	nonmetropolitan	ADJ
cblr-9988	223	29	areas	area	NOUN
cblr-9988	223	30	,	,	PUNCT
cblr-9988	223	31	eighty	eighty	NUM
cblr-9988	223	32	percent	percent	NOUN
cblr-9988	223	33	of	of	ADP
cblr-9988	223	34	the	the	DET
cblr-9988	223	35	greater	great	ADJ
cblr-9988	223	36	of	of	ADP
cblr-9988	223	37	the	the	DET
cblr-9988	223	38	area	area	NOUN
cblr-9988	223	39	median	median	ADJ
cblr-9988	223	40	income	income	NOUN
cblr-9988	223	41	and	and	CCONJ
cblr-9988	223	42	the	the	DET
cblr-9988	223	43	statewide	statewide	ADJ
cblr-9988	223	44	nonmetropolitan	nonmetropolitan	ADJ
cblr-9988	223	45	area	area	NOUN
cblr-9988	223	46	median	median	ADJ
cblr-9988	223	47	income	income	NOUN
cblr-9988	223	48	.	.	PUNCT
cblr-9988	224	1	i	i	PRON
cblr-9988	224	2	d.	d.	PROPN
cblr-9988	224	3	§	§	PROPN
cblr-9988	224	4	4702(17	4702(17	NUM
cblr-9988	224	5	)	)	PUNCT
cblr-9988	224	6	.	.	PUNCT
cblr-9988	225	1	“	"	PUNCT
cblr-9988	225	2	targeted	target	VERB
cblr-9988	225	3	population	population	NOUN
cblr-9988	225	4	”	"	PUNCT
cblr-9988	225	5	is	be	AUX
cblr-9988	225	6	defined	define	VERB
cblr-9988	225	7	as	as	ADP
cblr-9988	225	8	individuals	individual	NOUN
cblr-9988	225	9	who	who	PRON
cblr-9988	225	10	are	be	AUX
cblr-9988	225	11	lowincome	lowincome	NOUN
cblr-9988	225	12	or	or	CCONJ
cblr-9988	225	13	“	"	PUNCT
cblr-9988	225	14	otherwise	otherwise	ADV
cblr-9988	225	15	lack	lack	VERB
cblr-9988	225	16	adequate	adequate	ADJ
cblr-9988	225	17	access	access	NOUN
cblr-9988	225	18	to	to	ADP
cblr-9988	225	19	loans	loan	NOUN
cblr-9988	225	20	or	or	CCONJ
cblr-9988	225	21	equity	equity	NOUN
cblr-9988	225	22	investments	investment	NOUN
cblr-9988	225	23	.	.	PUNCT
cblr-9988	225	24	”	"	PUNCT
cblr-9988	226	1	i	i	PRON
cblr-9988	226	2	d.	d.	PROPN
cblr-9988	226	3	§	§	PROPN
cblr-9988	226	4	4702(20	4702(20	NUM
cblr-9988	226	5	)	)	PUNCT
cblr-9988	226	6	.	.	PUNCT
cblr-9988	227	1	62	62	NUM
cblr-9988	228	1	i	i	PRON
cblr-9988	228	2	d.	d.	PROPN
cblr-9988	228	3	§	§	PROPN
cblr-9988	228	4	4707(a)(1)(a	4707(a)(1)(a	PROPN
cblr-9988	228	5	)	)	PUNCT
cblr-9988	228	6	.	.	PUNCT
cblr-9988	229	1	63	63	NUM
cblr-9988	230	1	i	i	PRON
cblr-9988	230	2	d.	d.	PROPN
cblr-9988	230	3	§	§	PROPN
cblr-9988	230	4	4707(c)(1	4707(c)(1	NUM
cblr-9988	230	5	)	)	PUNCT
cblr-9988	230	6	.	.	PUNCT
cblr-9988	231	1	64	64	NUM
cblr-9988	232	1	i	i	PRON
cblr-9988	232	2	d.	d.	PROPN
cblr-9988	232	3	§	§	PROPN
cblr-9988	232	4	4707(f)(2)(a	4707(f)(2)(a	NUM
cblr-9988	232	5	)	)	PUNCT
cblr-9988	232	6	.	.	PUNCT
cblr-9988	233	1	65	65	NUM
cblr-9988	234	1	i	i	PRON
cblr-9988	234	2	d.	d.	PROPN
cblr-9988	234	3	§	§	PROPN
cblr-9988	234	4	4707(f)(2)(c	4707(f)(2)(c	PROPN
cblr-9988	234	5	)	)	PUNCT
cblr-9988	234	6	.	.	PUNCT
cblr-9988	235	1	636	636	NUM
cblr-9988	235	2	columbia	columbia	PROPN
cblr-9988	235	3	business	business	NOUN
cblr-9988	235	4	law	law	PROPN
cblr-9988	235	5	review	review	NOUN
cblr-9988	235	6	[	[	X
cblr-9988	235	7	vol	vol	NOUN
cblr-9988	235	8	.	.	PUNCT
cblr-9988	235	9	2022	2022	NUM
cblr-9988	235	10	today	today	NOUN
cblr-9988	235	11	,	,	PUNCT
cblr-9988	235	12	there	there	PRON
cblr-9988	235	13	are	be	VERB
cblr-9988	235	14	over	over	ADP
cblr-9988	235	15	1,000	1,000	NUM
cblr-9988	235	16	cdfis.66	cdfis.66	NOUN
cblr-9988	236	1	but	but	CCONJ
cblr-9988	236	2	these	these	DET
cblr-9988	236	3	institutions	institution	NOUN
cblr-9988	236	4	play	play	VERB
cblr-9988	236	5	a	a	DET
cblr-9988	236	6	limited	limited	ADJ
cblr-9988	236	7	role	role	NOUN
cblr-9988	236	8	in	in	ADP
cblr-9988	236	9	funding	fund	VERB
cblr-9988	236	10	small	small	ADJ
cblr-9988	236	11	businesses.67	businesses.67	NOUN
cblr-9988	236	12	cdfis	cdfis	NOUN
cblr-9988	236	13	evaluate	evaluate	VERB
cblr-9988	236	14	factors	factor	NOUN
cblr-9988	236	15	beyond	beyond	ADP
cblr-9988	236	16	quantitative	quantitative	ADJ
cblr-9988	236	17	criteria,68	criteria,68	ADJ
cblr-9988	236	18	offering	offer	VERB
cblr-9988	236	19	loans	loan	NOUN
cblr-9988	236	20	to	to	ADP
cblr-9988	236	21	those	those	PRON
cblr-9988	236	22	whose	whose	DET
cblr-9988	236	23	applications	application	NOUN
cblr-9988	236	24	do	do	AUX
cblr-9988	236	25	not	not	PART
cblr-9988	236	26	have	have	VERB
cblr-9988	236	27	the	the	DET
cblr-9988	236	28	credit	credit	NOUN
cblr-9988	236	29	data	datum	NOUN
cblr-9988	236	30	required	require	VERB
cblr-9988	236	31	to	to	PART
cblr-9988	236	32	obtain	obtain	VERB
cblr-9988	236	33	a	a	DET
cblr-9988	236	34	loan	loan	NOUN
cblr-9988	236	35	from	from	ADP
cblr-9988	236	36	a	a	DET
cblr-9988	236	37	large	large	ADJ
cblr-9988	236	38	bank.69	bank.69	NOUN
cblr-9988	236	39	however	however	ADV
cblr-9988	236	40	,	,	PUNCT
cblr-9988	236	41	cdfis	cdfis	NOUN
cblr-9988	236	42	have	have	AUX
cblr-9988	236	43	weaker	weak	ADJ
cblr-9988	236	44	financial	financial	ADJ
cblr-9988	236	45	performance	performance	NOUN
cblr-9988	236	46	compared	compare	VERB
cblr-9988	236	47	to	to	ADP
cblr-9988	236	48	traditional	traditional	ADJ
cblr-9988	236	49	peers70	peers70	NOUN
cblr-9988	236	50	and	and	CCONJ
cblr-9988	236	51	often	often	ADV
cblr-9988	236	52	charge	charge	VERB
cblr-9988	236	53	higher	high	ADJ
cblr-9988	236	54	interest	interest	NOUN
cblr-9988	236	55	rates	rate	NOUN
cblr-9988	236	56	than	than	ADP
cblr-9988	236	57	commercial	commercial	ADJ
cblr-9988	236	58	banks.71	banks.71	NOUN
cblr-9988	236	59	ultimately	ultimately	ADV
cblr-9988	236	60	,	,	PUNCT
cblr-9988	236	61	though	though	SCONJ
cblr-9988	236	62	cdfis	cdfis	NOUN
cblr-9988	236	63	have	have	VERB
cblr-9988	236	64	66	66	NUM
cblr-9988	236	65	see	see	VERB
cblr-9988	236	66	cdfi	cdfi	PROPN
cblr-9988	236	67	certification	certification	NOUN
cblr-9988	236	68	,	,	PUNCT
cblr-9988	236	69	cdfi	cdfi	PROPN
cblr-9988	236	70	fund	fund	PROPN
cblr-9988	236	71	,	,	PUNCT
cblr-9988	236	72	https://www.cdfifund.gov/programstraining/certification/cdfi/pages/default.aspx	https://www.cdfifund.gov/programstraining/certification/cdfi/pages/default.aspx	NOUN
cblr-9988	236	73	(	(	PUNCT
cblr-9988	236	74	on	on	ADP
cblr-9988	236	75	file	file	NOUN
cblr-9988	236	76	with	with	ADP
cblr-9988	236	77	the	the	DET
cblr-9988	236	78	columbia	columbia	PROPN
cblr-9988	236	79	business	business	PROPN
cblr-9988	236	80	law	law	PROPN
cblr-9988	236	81	review	review	PROPN
cblr-9988	236	82	)	)	PUNCT
cblr-9988	236	83	(	(	PUNCT
cblr-9988	236	84	click	click	VERB
cblr-9988	236	85	on	on	ADP
cblr-9988	236	86	the	the	DET
cblr-9988	236	87	link	link	NOUN
cblr-9988	236	88	that	that	PRON
cblr-9988	236	89	says	say	VERB
cblr-9988	236	90	“	"	PUNCT
cblr-9988	236	91	view	view	VERB
cblr-9988	236	92	the	the	DET
cblr-9988	236	93	list	list	NOUN
cblr-9988	236	94	of	of	ADP
cblr-9988	236	95	certified	certify	VERB
cblr-9988	236	96	cdfis	cdfis	NOUN
cblr-9988	236	97	”	"	PUNCT
cblr-9988	236	98	to	to	PART
cblr-9988	236	99	download	download	VERB
cblr-9988	236	100	a	a	DET
cblr-9988	236	101	spreadsheet	spreadsheet	NOUN
cblr-9988	236	102	of	of	ADP
cblr-9988	236	103	certified	certify	VERB
cblr-9988	236	104	cdfis	cdfis	NOUN
cblr-9988	236	105	)	)	PUNCT
cblr-9988	236	106	(	(	PUNCT
cblr-9988	236	107	showing	show	VERB
cblr-9988	236	108	there	there	PRON
cblr-9988	236	109	were	be	VERB
cblr-9988	236	110	1,395	1,395	NUM
cblr-9988	236	111	certified	certify	VERB
cblr-9988	236	112	cdfis	cdfis	NOUN
cblr-9988	236	113	as	as	ADP
cblr-9988	236	114	of	of	ADP
cblr-9988	236	115	march	march	PROPN
cblr-9988	236	116	14	14	NUM
cblr-9988	236	117	,	,	PUNCT
cblr-9988	236	118	2022	2022	NUM
cblr-9988	236	119	)	)	PUNCT
cblr-9988	236	120	.	.	PUNCT
cblr-9988	237	1	67	67	NUM
cblr-9988	237	2	only	only	ADV
cblr-9988	237	3	one	one	NUM
cblr-9988	237	4	percent	percent	NOUN
cblr-9988	237	5	of	of	ADP
cblr-9988	237	6	small	small	ADJ
cblr-9988	237	7	businesses	business	NOUN
cblr-9988	237	8	used	use	VERB
cblr-9988	237	9	cdfis	cdfis	NOUN
cblr-9988	237	10	for	for	ADP
cblr-9988	237	11	funding	funding	NOUN
cblr-9988	237	12	in	in	ADP
cblr-9988	237	13	the	the	DET
cblr-9988	237	14	last	last	ADJ
cblr-9988	237	15	five	five	NUM
cblr-9988	237	16	years	year	NOUN
cblr-9988	237	17	.	.	PUNCT
cblr-9988	238	1	fed	fed	PROPN
cblr-9988	238	2	.	.	PUNCT
cblr-9988	239	1	rsrv	rsrv	PROPN
cblr-9988	239	2	.	.	PUNCT
cblr-9988	240	1	banks	bank	NOUN
cblr-9988	240	2	,	,	PUNCT
cblr-9988	240	3	supra	supra	PROPN
cblr-9988	240	4	note	note	PROPN
cblr-9988	240	5	6	6	NUM
cblr-9988	240	6	,	,	PUNCT
cblr-9988	240	7	at	at	ADP
cblr-9988	240	8	8	8	NUM
cblr-9988	240	9	.	.	PUNCT
cblr-9988	240	10	68	68	NUM
cblr-9988	240	11	the	the	DET
cblr-9988	240	12	community	community	NOUN
cblr-9988	240	13	reinvestment	reinvestment	NOUN
cblr-9988	240	14	act	act	NOUN
cblr-9988	240	15	:	:	PUNCT
cblr-9988	240	16	assessing	assess	VERB
cblr-9988	240	17	the	the	DET
cblr-9988	240	18	law	law	NOUN
cblr-9988	240	19	’s	’s	PART
cblr-9988	240	20	impact	impact	NOUN
cblr-9988	240	21	on	on	ADP
cblr-9988	240	22	discrimination	discrimination	NOUN
cblr-9988	240	23	and	and	CCONJ
cblr-9988	240	24	redlining	redlining	ADJ
cblr-9988	240	25	:	:	PUNCT
cblr-9988	240	26	hearing	hear	VERB
cblr-9988	240	27	before	before	ADP
cblr-9988	240	28	the	the	DET
cblr-9988	240	29	h.	h.	PROPN
cblr-9988	240	30	subcomm	subcomm	PROPN
cblr-9988	240	31	.	.	PUNCT
cblr-9988	241	1	on	on	ADP
cblr-9988	241	2	consumer	consumer	NOUN
cblr-9988	241	3	prot	prot	NOUN
cblr-9988	241	4	.	.	PUNCT
cblr-9988	242	1	and	and	CCONJ
cblr-9988	242	2	fin	fin	NOUN
cblr-9988	242	3	.	.	PUNCT
cblr-9988	243	1	insts	inst	NOUN
cblr-9988	243	2	.	.	PUNCT
cblr-9988	244	1	of	of	ADP
cblr-9988	244	2	the	the	DET
cblr-9988	244	3	h.	h.	PROPN
cblr-9988	244	4	comm	comm	NOUN
cblr-9988	244	5	.	.	PUNCT
cblr-9988	245	1	on	on	ADP
cblr-9988	245	2	fin	fin	PROPN
cblr-9988	245	3	.	.	PUNCT
cblr-9988	246	1	serv	serv	PROPN
cblr-9988	246	2	.	.	PROPN
cblr-9988	246	3	,	,	PUNCT
cblr-9988	246	4	116th	116th	PROPN
cblr-9988	246	5	cong	cong	NOUN
cblr-9988	246	6	.	.	PUNCT
cblr-9988	247	1	34	34	NUM
cblr-9988	247	2	(	(	PUNCT
cblr-9988	247	3	2019	2019	NUM
cblr-9988	247	4	)	)	PUNCT
cblr-9988	247	5	(	(	PUNCT
cblr-9988	247	6	statement	statement	NOUN
cblr-9988	247	7	of	of	ADP
cblr-9988	247	8	benson	benson	PROPN
cblr-9988	247	9	doyle	doyle	PROPN
cblr-9988	247	10	mitchell	mitchell	PROPN
cblr-9988	247	11	,	,	PUNCT
cblr-9988	247	12	jr	jr	PROPN
cblr-9988	247	13	.	.	PROPN
cblr-9988	247	14	,	,	PUNCT
cblr-9988	247	15	president	president	NOUN
cblr-9988	247	16	and	and	CCONJ
cblr-9988	247	17	ceo	ceo	NOUN
cblr-9988	247	18	,	,	PUNCT
cblr-9988	247	19	indust	indust	PROPN
cblr-9988	247	20	.	.	PUNCT
cblr-9988	247	21	bank	bank	PROPN
cblr-9988	247	22	)	)	PUNCT
cblr-9988	247	23	(	(	PUNCT
cblr-9988	247	24	stating	state	VERB
cblr-9988	247	25	that	that	SCONJ
cblr-9988	247	26	,	,	PUNCT
cblr-9988	247	27	given	give	VERB
cblr-9988	247	28	a	a	DET
cblr-9988	247	29	hypothetical	hypothetical	ADJ
cblr-9988	247	30	where	where	SCONJ
cblr-9988	247	31	two	two	NUM
cblr-9988	247	32	borrowers	borrower	NOUN
cblr-9988	247	33	in	in	ADP
cblr-9988	247	34	a	a	DET
cblr-9988	247	35	lowor	lowor	ADJ
cblr-9988	247	36	moderate	moderate	ADJ
cblr-9988	247	37	-	-	PUNCT
cblr-9988	247	38	income	income	NOUN
cblr-9988	247	39	neighborhood	neighborhood	NOUN
cblr-9988	247	40	approach	approach	NOUN
cblr-9988	247	41	a	a	DET
cblr-9988	247	42	cdfi	cdfi	PROPN
cblr-9988	247	43	,	,	PUNCT
cblr-9988	247	44	where	where	SCONJ
cblr-9988	247	45	one	one	NUM
cblr-9988	247	46	borrower	borrower	NOUN
cblr-9988	247	47	makes	make	VERB
cblr-9988	247	48	125	125	NUM
cblr-9988	247	49	%	%	NOUN
cblr-9988	247	50	of	of	ADP
cblr-9988	247	51	the	the	DET
cblr-9988	247	52	national	national	ADJ
cblr-9988	247	53	median	median	ADJ
cblr-9988	247	54	income	income	NOUN
cblr-9988	247	55	and	and	CCONJ
cblr-9988	247	56	the	the	DET
cblr-9988	247	57	other	other	ADJ
cblr-9988	247	58	makes	make	VERB
cblr-9988	247	59	75	75	NUM
cblr-9988	247	60	%	%	NOUN
cblr-9988	247	61	of	of	ADP
cblr-9988	247	62	the	the	DET
cblr-9988	247	63	national	national	ADJ
cblr-9988	247	64	median	median	PROPN
cblr-9988	247	65	income	income	NOUN
cblr-9988	247	66	,	,	PUNCT
cblr-9988	247	67	the	the	DET
cblr-9988	247	68	cdfi	cdfi	PROPN
cblr-9988	247	69	will	will	AUX
cblr-9988	247	70	“	"	PUNCT
cblr-9988	247	71	look	look	VERB
cblr-9988	247	72	[	[	X
cblr-9988	247	73	]	]	X
cblr-9988	247	74	at	at	ADP
cblr-9988	247	75	the	the	DET
cblr-9988	247	76	story	story	NOUN
cblr-9988	247	77	,	,	PUNCT
cblr-9988	247	78	”	"	PUNCT
cblr-9988	247	79	do	do	VERB
cblr-9988	247	80	their	their	PRON
cblr-9988	247	81	own	own	ADJ
cblr-9988	247	82	research	research	NOUN
cblr-9988	247	83	,	,	PUNCT
cblr-9988	247	84	and	and	CCONJ
cblr-9988	247	85	could	could	AUX
cblr-9988	247	86	lend	lend	VERB
cblr-9988	247	87	to	to	ADP
cblr-9988	247	88	either	either	DET
cblr-9988	247	89	borrower	borrower	NOUN
cblr-9988	247	90	)	)	PUNCT
cblr-9988	247	91	.	.	PUNCT
cblr-9988	248	1	69	69	NUM
cblr-9988	248	2	noelle	noelle	PROPN
cblr-9988	248	3	st	st	PROPN
cblr-9988	248	4	.	.	PROPN
cblr-9988	248	5	clair	clair	PROPN
cblr-9988	248	6	,	,	PUNCT
cblr-9988	248	7	capital	capital	NOUN
cblr-9988	248	8	for	for	ADP
cblr-9988	248	9	communities	community	NOUN
cblr-9988	248	10	:	:	PUNCT
cblr-9988	248	11	cdfis	cdfis	VERB
cblr-9988	248	12	innovate	innovate	NOUN
cblr-9988	248	13	on	on	ADP
cblr-9988	248	14	small	small	ADJ
cblr-9988	248	15	consumer	consumer	NOUN
cblr-9988	248	16	loans	loan	NOUN
cblr-9988	248	17	,	,	PUNCT
cblr-9988	248	18	fed	fed	PROPN
cblr-9988	248	19	.	.	PUNCT
cblr-9988	248	20	rsrv	rsrv	PROPN
cblr-9988	248	21	.	.	PUNCT
cblr-9988	249	1	bank	bank	PROPN
cblr-9988	249	2	of	of	ADP
cblr-9988	249	3	phila	phila	PROPN
cblr-9988	249	4	.	.	PUNCT
cblr-9988	249	5	,	,	PUNCT
cblr-9988	249	6	https://www.philadelphiafed.org/community-development/credit-andcapital/capital-for-communities-cdfis-innovate-on-small-consumer-loans	https://www.philadelphiafed.org/community-development/credit-andcapital/capital-for-communities-cdfis-innovate-on-small-consumer-loan	VERB
cblr-9988	250	1	[	[	X
cblr-9988	250	2	https://perma.cc/ah8x-43zh	https://perma.cc/ah8x-43zh	X
cblr-9988	250	3	]	]	X
cblr-9988	250	4	(	(	PUNCT
cblr-9988	250	5	“	"	PUNCT
cblr-9988	250	6	unlike	unlike	ADP
cblr-9988	250	7	traditional	traditional	ADJ
cblr-9988	250	8	financial	financial	ADJ
cblr-9988	250	9	institutions	institution	NOUN
cblr-9988	250	10	,	,	PUNCT
cblr-9988	250	11	which	which	PRON
cblr-9988	250	12	deem	deem	VERB
cblr-9988	250	13	individuals	individual	NOUN
cblr-9988	250	14	with	with	ADP
cblr-9988	250	15	limited	limited	ADJ
cblr-9988	250	16	credit	credit	NOUN
cblr-9988	250	17	history	history	NOUN
cblr-9988	250	18	as	as	ADP
cblr-9988	250	19	“	"	PUNCT
cblr-9988	250	20	unscorable	unscorable	ADJ
cblr-9988	250	21	,	,	PUNCT
cblr-9988	250	22	”	"	PUNCT
cblr-9988	250	23	oportun	oportun	PROPN
cblr-9988	250	24	uses	use	VERB
cblr-9988	250	25	a	a	DET
cblr-9988	250	26	proprietary	proprietary	ADJ
cblr-9988	250	27	system	system	NOUN
cblr-9988	250	28	that	that	PRON
cblr-9988	250	29	leverages	leverage	VERB
cblr-9988	250	30	advanced	advanced	ADJ
cblr-9988	250	31	data	datum	NOUN
cblr-9988	250	32	analytics	analytic	NOUN
cblr-9988	250	33	…	…	PUNCT
cblr-9988	250	34	to	to	PART
cblr-9988	250	35	determine	determine	VERB
cblr-9988	250	36	a	a	DET
cblr-9988	250	37	loan	loan	NOUN
cblr-9988	250	38	applicant	applicant	NOUN
cblr-9988	250	39	’s	’s	PART
cblr-9988	250	40	ability	ability	NOUN
cblr-9988	250	41	to	to	PART
cblr-9988	250	42	repay	repay	VERB
cblr-9988	250	43	[	[	NOUN
cblr-9988	250	44	.	.	PUNCT
cblr-9988	250	45	]	]	X
cblr-9988	250	46	”	"	PUNCT
cblr-9988	250	47	)	)	PUNCT
cblr-9988	250	48	;	;	PUNCT
cblr-9988	250	49	miriam	miriam	PROPN
cblr-9988	250	50	cross	cross	PROPN
cblr-9988	250	51	,	,	PUNCT
cblr-9988	250	52	fintech	fintech	NOUN
cblr-9988	250	53	,	,	PUNCT
cblr-9988	250	54	cdfi	cdfi	PROPN
cblr-9988	250	55	offer	offer	VERB
cblr-9988	250	56	small	small	ADJ
cblr-9988	250	57	-	-	PUNCT
cblr-9988	250	58	dollar	dollar	NOUN
cblr-9988	250	59	loan	loan	NOUN
cblr-9988	250	60	with	with	ADP
cblr-9988	250	61	new	new	ADJ
cblr-9988	250	62	twist	twist	NOUN
cblr-9988	250	63	,	,	PUNCT
cblr-9988	250	64	am	be	AUX
cblr-9988	250	65	.	.	PUNCT
cblr-9988	251	1	banker	banker	NOUN
cblr-9988	251	2	(	(	PUNCT
cblr-9988	251	3	dec	dec	PROPN
cblr-9988	251	4	.	.	PROPN
cblr-9988	251	5	15	15	NUM
cblr-9988	251	6	,	,	PUNCT
cblr-9988	251	7	2021	2021	NUM
cblr-9988	251	8	,	,	PUNCT
cblr-9988	251	9	5:04	5:04	NUM
cblr-9988	251	10	pm	pm	NOUN
cblr-9988	251	11	)	)	PUNCT
cblr-9988	251	12	,	,	PUNCT
cblr-9988	251	13	https://www.americanbanker.com/news/fintech-cdfi-offer-smalldollar-loan-with-new-twist	https://www.americanbanker.com/news/fintech-cdfi-offer-smalldollar-loan-with-new-twist	PROPN
cblr-9988	251	14	[	[	X
cblr-9988	251	15	https://perma.cc/5f7w-d6jx	https://perma.cc/5f7w-d6jx	X
cblr-9988	251	16	]	]	X
cblr-9988	251	17	(	(	PUNCT
cblr-9988	251	18	describing	describe	VERB
cblr-9988	251	19	a	a	DET
cblr-9988	251	20	partnership	partnership	NOUN
cblr-9988	251	21	between	between	ADP
cblr-9988	251	22	a	a	DET
cblr-9988	251	23	cdfi	cdfi	PROPN
cblr-9988	251	24	and	and	CCONJ
cblr-9988	251	25	a	a	DET
cblr-9988	251	26	fintech	fintech	NOUN
cblr-9988	251	27	company	company	NOUN
cblr-9988	251	28	that	that	PRON
cblr-9988	251	29	offers	offer	VERB
cblr-9988	251	30	loans	loan	NOUN
cblr-9988	251	31	to	to	ADP
cblr-9988	251	32	borrowers	borrower	NOUN
cblr-9988	251	33	with	with	ADP
cblr-9988	251	34	limited	limited	ADJ
cblr-9988	251	35	credit	credit	NOUN
cblr-9988	251	36	histories	history	NOUN
cblr-9988	251	37	)	)	PUNCT
cblr-9988	251	38	.	.	PUNCT
cblr-9988	252	1	70	70	NUM
cblr-9988	252	2	baradaran	baradaran	NOUN
cblr-9988	252	3	,	,	PUNCT
cblr-9988	252	4	supra	supra	PROPN
cblr-9988	252	5	note	note	PROPN
cblr-9988	252	6	26	26	NUM
cblr-9988	252	7	,	,	PUNCT
cblr-9988	252	8	at	at	ADP
cblr-9988	252	9	231	231	NUM
cblr-9988	252	10	.	.	PUNCT
cblr-9988	253	1	71	71	NUM
cblr-9988	253	2	chris	chris	PROPN
cblr-9988	253	3	motola	motola	PROPN
cblr-9988	253	4	,	,	PUNCT
cblr-9988	253	5	what	what	PRON
cblr-9988	253	6	is	be	AUX
cblr-9988	253	7	a	a	DET
cblr-9988	253	8	community	community	NOUN
cblr-9988	253	9	development	development	NOUN
cblr-9988	253	10	financial	financial	ADJ
cblr-9988	253	11	institution	institution	NOUN
cblr-9988	253	12	(	(	PUNCT
cblr-9988	253	13	cdfi	cdfi	PROPN
cblr-9988	253	14	)	)	PUNCT
cblr-9988	253	15	&	&	CCONJ
cblr-9988	253	16	is	be	AUX
cblr-9988	253	17	a	a	DET
cblr-9988	253	18	cdfi	cdfi	ADJ
cblr-9988	253	19	loan	loan	NOUN
cblr-9988	253	20	right	right	NOUN
cblr-9988	253	21	for	for	ADP
cblr-9988	253	22	my	my	PRON
cblr-9988	253	23	small	small	ADJ
cblr-9988	253	24	business	business	NOUN
cblr-9988	253	25	?	?	PUNCT
cblr-9988	253	26	,	,	PUNCT
cblr-9988	253	27	merchant	merchant	NOUN
cblr-9988	253	28	maverick	maverick	NOUN
cblr-9988	253	29	(	(	PUNCT
cblr-9988	253	30	nov	nov	PROPN
cblr-9988	253	31	.	.	PROPN
cblr-9988	253	32	18	18	NUM
cblr-9988	253	33	,	,	PUNCT
cblr-9988	253	34	2019	2019	NUM
cblr-9988	253	35	)	)	PUNCT
cblr-9988	253	36	,	,	PUNCT
cblr-9988	253	37	no	no	INTJ
cblr-9988	253	38	.	.	PUNCT
cblr-9988	254	1	1:621	1:621	NUM
cblr-9988	254	2	]	]	X
cblr-9988	254	3	expand	expand	VERB
cblr-9988	254	4	online	online	ADJ
cblr-9988	254	5	lending	lending	NOUN
cblr-9988	254	6	to	to	ADP
cblr-9988	254	7	minority	minority	NOUN
cblr-9988	254	8	business	business	NOUN
cblr-9988	254	9	owners	owner	NOUN
cblr-9988	254	10	637	637	NUM
cblr-9988	254	11	channeled	channel	VERB
cblr-9988	254	12	investment	investment	NOUN
cblr-9988	254	13	into	into	ADP
cblr-9988	254	14	low	low	ADJ
cblr-9988	254	15	-	-	PUNCT
cblr-9988	254	16	income	income	NOUN
cblr-9988	254	17	communities,72	communities,72	NOUN
cblr-9988	254	18	their	their	PRON
cblr-9988	254	19	effect	effect	NOUN
cblr-9988	254	20	in	in	ADP
cblr-9988	254	21	addressing	address	VERB
cblr-9988	254	22	widespread	widespread	ADJ
cblr-9988	254	23	lack	lack	NOUN
cblr-9988	254	24	of	of	ADP
cblr-9988	254	25	access	access	NOUN
cblr-9988	254	26	to	to	ADP
cblr-9988	254	27	low	low	ADJ
cblr-9988	254	28	-	-	PUNCT
cblr-9988	254	29	cost	cost	NOUN
cblr-9988	254	30	credit	credit	NOUN
cblr-9988	254	31	has	have	AUX
cblr-9988	254	32	been	be	AUX
cblr-9988	254	33	extremely	extremely	ADV
cblr-9988	254	34	limited	limited	ADJ
cblr-9988	254	35	.	.	PUNCT
cblr-9988	255	1	in	in	ADP
cblr-9988	255	2	1977	1977	NUM
cblr-9988	255	3	,	,	PUNCT
cblr-9988	255	4	congress	congress	PROPN
cblr-9988	255	5	passed	pass	VERB
cblr-9988	255	6	the	the	DET
cblr-9988	255	7	community	community	NOUN
cblr-9988	255	8	reinvestment	reinvestment	NOUN
cblr-9988	255	9	act	act	NOUN
cblr-9988	255	10	(	(	PUNCT
cblr-9988	255	11	cra	cra	PROPN
cblr-9988	255	12	)	)	PUNCT
cblr-9988	255	13	to	to	PART
cblr-9988	255	14	encourage	encourage	VERB
cblr-9988	255	15	financial	financial	ADJ
cblr-9988	255	16	institutions	institution	NOUN
cblr-9988	255	17	“	"	PUNCT
cblr-9988	255	18	to	to	PART
cblr-9988	255	19	help	help	VERB
cblr-9988	255	20	meet	meet	VERB
cblr-9988	255	21	the	the	DET
cblr-9988	255	22	credit	credit	NOUN
cblr-9988	255	23	needs	need	NOUN
cblr-9988	255	24	of	of	ADP
cblr-9988	255	25	the	the	DET
cblr-9988	255	26	local	local	ADJ
cblr-9988	255	27	communities	community	NOUN
cblr-9988	255	28	in	in	ADP
cblr-9988	255	29	which	which	PRON
cblr-9988	255	30	they	they	PRON
cblr-9988	255	31	are	be	AUX
cblr-9988	255	32	chartered	charter	VERB
cblr-9988	255	33	.	.	PUNCT
cblr-9988	256	1	”73	”73	PROPN
cblr-9988	257	1	the	the	DET
cblr-9988	257	2	cra	cra	PROPN
cblr-9988	257	3	requires	require	VERB
cblr-9988	257	4	banks	bank	NOUN
cblr-9988	257	5	to	to	PART
cblr-9988	257	6	prepare	prepare	VERB
cblr-9988	257	7	annual	annual	ADJ
cblr-9988	257	8	reports	report	NOUN
cblr-9988	257	9	describing	describe	VERB
cblr-9988	257	10	how	how	SCONJ
cblr-9988	257	11	they	they	PRON
cblr-9988	257	12	were	be	AUX
cblr-9988	257	13	meeting	meet	VERB
cblr-9988	257	14	the	the	DET
cblr-9988	257	15	credit	credit	NOUN
cblr-9988	257	16	needs	need	NOUN
cblr-9988	257	17	of	of	ADP
cblr-9988	257	18	lowto	lowto	NOUN
cblr-9988	257	19	moderate	moderate	ADJ
cblr-9988	257	20	-	-	PUNCT
cblr-9988	257	21	income	income	NOUN
cblr-9988	257	22	residents.74	residents.74	NOUN
cblr-9988	257	23	a	a	DET
cblr-9988	257	24	negative	negative	ADJ
cblr-9988	257	25	cra	cra	PROPN
cblr-9988	257	26	rating	rating	NOUN
cblr-9988	257	27	could	could	AUX
cblr-9988	257	28	be	be	AUX
cblr-9988	257	29	grounds	ground	NOUN
cblr-9988	257	30	for	for	ADP
cblr-9988	257	31	denying	deny	VERB
cblr-9988	257	32	a	a	DET
cblr-9988	257	33	merger	merger	NOUN
cblr-9988	257	34	or	or	CCONJ
cblr-9988	257	35	other	other	ADJ
cblr-9988	257	36	change	change	NOUN
cblr-9988	257	37	that	that	PRON
cblr-9988	257	38	requires	require	VERB
cblr-9988	257	39	regulatory	regulatory	ADJ
cblr-9988	257	40	approval.75	approval.75	NOUN
cblr-9988	257	41	banks	bank	NOUN
cblr-9988	257	42	rarely	rarely	ADV
cblr-9988	257	43	receive	receive	VERB
cblr-9988	257	44	a	a	DET
cblr-9988	257	45	negative	negative	ADJ
cblr-9988	257	46	cra	cra	PROPN
cblr-9988	257	47	rating	rating	NOUN
cblr-9988	257	48	,	,	PUNCT
cblr-9988	257	49	however.76	however.76	PROPN
cblr-9988	257	50	the	the	DET
cblr-9988	257	51	cra	cra	PROPN
cblr-9988	257	52	has	have	AUX
cblr-9988	257	53	been	be	AUX
cblr-9988	257	54	criticized	criticize	VERB
cblr-9988	257	55	for	for	ADP
cblr-9988	257	56	being	be	AUX
cblr-9988	257	57	process	process	NOUN
cblr-9988	257	58	-	-	PUNCT
cblr-9988	257	59	oriented	orient	VERB
cblr-9988	257	60	rather	rather	ADV
cblr-9988	257	61	than	than	ADP
cblr-9988	257	62	outcome	outcome	NOUN
cblr-9988	257	63	-	-	PUNCT
cblr-9988	257	64	oriented	orient	VERB
cblr-9988	257	65	,	,	PUNCT
cblr-9988	257	66	77	77	NUM
cblr-9988	257	67	suggesting	suggest	VERB
cblr-9988	257	68	their	their	PRON
cblr-9988	257	69	impact	impact	NOUN
cblr-9988	257	70	on	on	ADP
cblr-9988	257	71	narrowing	narrow	VERB
cblr-9988	257	72	racial	racial	ADJ
cblr-9988	257	73	wealth	wealth	NOUN
cblr-9988	257	74	disparities	disparity	NOUN
cblr-9988	257	75	has	have	AUX
cblr-9988	257	76	been	be	AUX
cblr-9988	257	77	limited	limit	VERB
cblr-9988	257	78	.	.	PUNCT
cblr-9988	258	1	banks	bank	NOUN
cblr-9988	258	2	can	can	AUX
cblr-9988	258	3	satisfy	satisfy	VERB
cblr-9988	258	4	their	their	PRON
cblr-9988	258	5	cra	cra	PROPN
cblr-9988	258	6	requirements	requirement	NOUN
cblr-9988	258	7	with	with	ADP
cblr-9988	258	8	activities	activity	NOUN
cblr-9988	258	9	that	that	PRON
cblr-9988	258	10	do	do	AUX
cblr-9988	258	11	not	not	PART
cblr-9988	258	12	necessarily	necessarily	ADV
cblr-9988	258	13	help	help	VERB
cblr-9988	258	14	minorities	minority	NOUN
cblr-9988	258	15	or	or	CCONJ
cblr-9988	258	16	low	low	ADJ
cblr-9988	258	17	-	-	PUNCT
cblr-9988	258	18	income	income	NOUN
cblr-9988	258	19	communities.78	communities.78	NOUN
cblr-9988	258	20	https://www.merchantmaverick.com/take-business-loan-cdfi	https://www.merchantmaverick.com/take-business-loan-cdfi	PROPN
cblr-9988	259	1	[	[	X
cblr-9988	259	2	https://perma.cc/rb25-kknh	https://perma.cc/rb25-kknh	X
cblr-9988	259	3	]	]	X
cblr-9988	259	4	.	.	PUNCT
cblr-9988	259	5	72	72	NUM
cblr-9988	259	6	see	see	VERB
cblr-9988	259	7	ofer	ofer	AUX
cblr-9988	259	8	eldar	eldar	NOUN
cblr-9988	259	9	,	,	PUNCT
cblr-9988	259	10	designing	design	VERB
cblr-9988	259	11	business	business	NOUN
cblr-9988	259	12	forms	form	NOUN
cblr-9988	259	13	to	to	PART
cblr-9988	259	14	pursue	pursue	VERB
cblr-9988	259	15	social	social	ADJ
cblr-9988	259	16	goals	goal	NOUN
cblr-9988	259	17	,	,	PUNCT
cblr-9988	259	18	106	106	NUM
cblr-9988	259	19	va	va	NOUN
cblr-9988	259	20	.	.	PUNCT
cblr-9988	260	1	l.	l.	PROPN
cblr-9988	260	2	rev	rev	PROPN
cblr-9988	260	3	.	.	PROPN
cblr-9988	260	4	937	937	NUM
cblr-9988	260	5	,	,	PUNCT
cblr-9988	260	6	978	978	NUM
cblr-9988	260	7	(	(	PUNCT
cblr-9988	260	8	2020	2020	NUM
cblr-9988	260	9	)	)	PUNCT
cblr-9988	260	10	(	(	PUNCT
cblr-9988	260	11	arguing	argue	VERB
cblr-9988	260	12	that	that	SCONJ
cblr-9988	260	13	the	the	DET
cblr-9988	260	14	cdfi	cdfi	PROPN
cblr-9988	260	15	works	work	VERB
cblr-9988	260	16	well	well	ADV
cblr-9988	260	17	as	as	ADP
cblr-9988	260	18	a	a	DET
cblr-9988	260	19	legal	legal	ADJ
cblr-9988	260	20	form	form	NOUN
cblr-9988	260	21	for	for	ADP
cblr-9988	260	22	a	a	DET
cblr-9988	260	23	corporate	corporate	ADJ
cblr-9988	260	24	subsidy	subsidy	NOUN
cblr-9988	260	25	program	program	NOUN
cblr-9988	260	26	)	)	PUNCT
cblr-9988	260	27	.	.	PUNCT
cblr-9988	261	1	73	73	NUM
cblr-9988	261	2	community	community	NOUN
cblr-9988	261	3	reinvestment	reinvestment	NOUN
cblr-9988	261	4	act	act	NOUN
cblr-9988	261	5	of	of	ADP
cblr-9988	261	6	1977	1977	NUM
cblr-9988	261	7	,	,	PUNCT
cblr-9988	261	8	12	12	NUM
cblr-9988	261	9	u.s.c	u.s.c	ADJ
cblr-9988	261	10	.	.	PUNCT
cblr-9988	262	1	§	§	PROPN
cblr-9988	262	2	2901	2901	NUM
cblr-9988	262	3	(	(	PUNCT
cblr-9988	262	4	2018	2018	NUM
cblr-9988	262	5	)	)	PUNCT
cblr-9988	262	6	.	.	PUNCT
cblr-9988	263	1	74	74	NUM
cblr-9988	263	2	baradaran	baradaran	NOUN
cblr-9988	263	3	,	,	PUNCT
cblr-9988	263	4	supra	supra	PROPN
cblr-9988	263	5	note	note	PROPN
cblr-9988	263	6	26	26	NUM
cblr-9988	263	7	,	,	PUNCT
cblr-9988	263	8	at	at	ADP
cblr-9988	263	9	233	233	NUM
cblr-9988	263	10	.	.	PUNCT
cblr-9988	264	1	75	75	NUM
cblr-9988	265	1	i	i	PROPN
cblr-9988	265	2	d.	d.	PROPN
cblr-9988	265	3	76	76	NUM
cblr-9988	265	4	ninety	ninety	NUM
cblr-9988	265	5	-	-	PUNCT
cblr-9988	265	6	eight	eight	NUM
cblr-9988	265	7	percent	percent	NOUN
cblr-9988	265	8	of	of	ADP
cblr-9988	265	9	banks	bank	NOUN
cblr-9988	265	10	receive	receive	VERB
cblr-9988	265	11	a	a	DET
cblr-9988	265	12	cra	cra	PROPN
cblr-9988	265	13	passing	pass	VERB
cblr-9988	265	14	grade	grade	NOUN
cblr-9988	265	15	.	.	PUNCT
cblr-9988	266	1	the	the	DET
cblr-9988	266	2	community	community	NOUN
cblr-9988	266	3	reinvestment	reinvestment	NOUN
cblr-9988	266	4	act	act	NOUN
cblr-9988	266	5	:	:	PUNCT
cblr-9988	266	6	assessing	assess	VERB
cblr-9988	266	7	the	the	DET
cblr-9988	266	8	law	law	NOUN
cblr-9988	266	9	’s	’s	PART
cblr-9988	266	10	impact	impact	NOUN
cblr-9988	266	11	on	on	ADP
cblr-9988	266	12	discrimination	discrimination	NOUN
cblr-9988	266	13	and	and	CCONJ
cblr-9988	266	14	redlining	redlining	ADJ
cblr-9988	266	15	:	:	PUNCT
cblr-9988	266	16	hearing	hear	VERB
cblr-9988	266	17	before	before	ADP
cblr-9988	266	18	the	the	DET
cblr-9988	266	19	h.	h.	PROPN
cblr-9988	266	20	subcomm	subcomm	PROPN
cblr-9988	266	21	.	.	PUNCT
cblr-9988	267	1	on	on	ADP
cblr-9988	267	2	consumer	consumer	NOUN
cblr-9988	267	3	prot	prot	NOUN
cblr-9988	267	4	.	.	PUNCT
cblr-9988	268	1	and	and	CCONJ
cblr-9988	268	2	fin	fin	NOUN
cblr-9988	268	3	.	.	PUNCT
cblr-9988	269	1	insts	inst	NOUN
cblr-9988	269	2	.	.	PUNCT
cblr-9988	270	1	of	of	ADP
cblr-9988	270	2	the	the	DET
cblr-9988	270	3	h.	h.	PROPN
cblr-9988	270	4	comm	comm	NOUN
cblr-9988	270	5	.	.	PUNCT
cblr-9988	271	1	on	on	ADP
cblr-9988	271	2	fin	fin	PROPN
cblr-9988	271	3	.	.	PUNCT
cblr-9988	272	1	serv	serv	PROPN
cblr-9988	272	2	.	.	PROPN
cblr-9988	272	3	,	,	PUNCT
cblr-9988	272	4	116th	116th	PROPN
cblr-9988	272	5	cong	cong	NOUN
cblr-9988	272	6	.	.	PROPN
cblr-9988	272	7	8	8	NUM
cblr-9988	272	8	(	(	PUNCT
cblr-9988	272	9	2019	2019	NUM
cblr-9988	272	10	)	)	PUNCT
cblr-9988	273	1	[	[	X
cblr-9988	273	2	hereinafter	hereinafter	NOUN
cblr-9988	273	3	hearings	hearing	NOUN
cblr-9988	273	4	]	]	PUNCT
cblr-9988	273	5	(	(	PUNCT
cblr-9988	273	6	statement	statement	NOUN
cblr-9988	273	7	of	of	ADP
cblr-9988	273	8	jesse	jesse	PROPN
cblr-9988	273	9	van	van	PROPN
cblr-9988	273	10	tol	tol	NOUN
cblr-9988	273	11	,	,	PUNCT
cblr-9988	273	12	chief	chief	ADJ
cblr-9988	273	13	exec	exec	NOUN
cblr-9988	273	14	.	.	PUNCT
cblr-9988	274	1	officer	officer	NOUN
cblr-9988	274	2	,	,	PUNCT
cblr-9988	274	3	nat’t	nat’t	NUM
cblr-9988	274	4	cmty	cmty	NOUN
cblr-9988	274	5	.	.	PUNCT
cblr-9988	275	1	reinvestment	reinvestment	NOUN
cblr-9988	275	2	coalition	coalition	NOUN
cblr-9988	275	3	)	)	PUNCT
cblr-9988	275	4	.	.	PUNCT
cblr-9988	276	1	77	77	NUM
cblr-9988	277	1	i	i	PRON
cblr-9988	277	2	d.	d.	PROPN
cblr-9988	277	3	at	at	ADP
cblr-9988	277	4	27	27	NUM
cblr-9988	277	5	(	(	PUNCT
cblr-9988	277	6	statement	statement	NOUN
cblr-9988	277	7	of	of	ADP
cblr-9988	277	8	mehrsa	mehrsa	NOUN
cblr-9988	277	9	baradaran	baradaran	NOUN
cblr-9988	277	10	,	,	PUNCT
cblr-9988	277	11	professor	professor	NOUN
cblr-9988	277	12	of	of	ADP
cblr-9988	277	13	l.	l.	PROPN
cblr-9988	277	14	,	,	PUNCT
cblr-9988	277	15	univ	univ	PROPN
cblr-9988	277	16	.	.	PROPN
cblr-9988	277	17	of	of	ADP
cblr-9988	277	18	ga	ga	PROPN
cblr-9988	277	19	.	.	PUNCT
cblr-9988	277	20	sch	sch	PROPN
cblr-9988	277	21	.	.	PROPN
cblr-9988	277	22	of	of	ADP
cblr-9988	277	23	l.	l.	PROPN
cblr-9988	277	24	)	)	PUNCT
cblr-9988	277	25	(	(	PUNCT
cblr-9988	277	26	“	"	PUNCT
cblr-9988	277	27	[	[	X
cblr-9988	277	28	o]ne	o]ne	NOUN
cblr-9988	277	29	of	of	ADP
cblr-9988	277	30	the	the	DET
cblr-9988	277	31	things	thing	NOUN
cblr-9988	277	32	that	that	PRON
cblr-9988	277	33	happened	happen	VERB
cblr-9988	277	34	before	before	ADP
cblr-9988	277	35	the	the	DET
cblr-9988	277	36	crisis	crisis	NOUN
cblr-9988	277	37	is	be	AUX
cblr-9988	277	38	we	we	PRON
cblr-9988	277	39	had	have	VERB
cblr-9988	277	40	a	a	DET
cblr-9988	277	41	bunch	bunch	NOUN
cblr-9988	277	42	of	of	ADP
cblr-9988	277	43	regulatory	regulatory	ADJ
cblr-9988	277	44	box	box	NOUN
cblr-9988	277	45	-	-	PUNCT
cblr-9988	277	46	checking	checking	NOUN
cblr-9988	277	47	for	for	ADP
cblr-9988	277	48	safety	safety	NOUN
cblr-9988	277	49	and	and	CCONJ
cblr-9988	277	50	soundness	soundness	NOUN
cblr-9988	277	51	.	.	PUNCT
cblr-9988	277	52	.	.	PUNCT
cblr-9988	277	53	.	.	PUNCT
cblr-9988	277	54	.	.	PUNCT
cblr-9988	278	1	[	[	X
cblr-9988	278	2	,	,	PUNCT
cblr-9988	278	3	and	and	CCONJ
cblr-9988	278	4	]	]	PUNCT
cblr-9988	278	5	if	if	SCONJ
cblr-9988	278	6	we	we	PRON
cblr-9988	278	7	are	be	AUX
cblr-9988	278	8	looking	look	VERB
cblr-9988	278	9	for	for	SCONJ
cblr-9988	278	10	the	the	DET
cblr-9988	278	11	cra	cra	PROPN
cblr-9988	278	12	to	to	PART
cblr-9988	278	13	fix	fix	VERB
cblr-9988	278	14	the	the	DET
cblr-9988	278	15	racial	racial	ADJ
cblr-9988	278	16	wealth	wealth	NOUN
cblr-9988	278	17	gap	gap	NOUN
cblr-9988	278	18	.	.	PUNCT
cblr-9988	278	19	.	.	PUNCT
cblr-9988	279	1	.	.	PUNCT
cblr-9988	280	1	then	then	ADV
cblr-9988	280	2	we	we	PRON
cblr-9988	280	3	should	should	AUX
cblr-9988	280	4	look	look	VERB
cblr-9988	280	5	at	at	ADP
cblr-9988	280	6	outcomes	outcome	NOUN
cblr-9988	280	7	:	:	PUNCT
cblr-9988	280	8	are	be	AUX
cblr-9988	280	9	you	you	PRON
cblr-9988	280	10	infusing	infuse	VERB
cblr-9988	280	11	capital	capital	NOUN
cblr-9988	280	12	and	and	CCONJ
cblr-9988	280	13	wealth	wealth	NOUN
cblr-9988	280	14	into	into	ADP
cblr-9988	280	15	these	these	DET
cblr-9988	280	16	communities	community	NOUN
cblr-9988	280	17	,	,	PUNCT
cblr-9988	280	18	or	or	CCONJ
cblr-9988	280	19	are	be	AUX
cblr-9988	280	20	you	you	PRON
cblr-9988	280	21	not	not	PART
cblr-9988	280	22	?	?	PUNCT
cblr-9988	280	23	”	"	PUNCT
cblr-9988	280	24	)	)	PUNCT
cblr-9988	280	25	.	.	PUNCT
cblr-9988	281	1	78	78	NUM
cblr-9988	282	1	i	i	PRON
cblr-9988	282	2	d.	d.	NOUN
cblr-9988	282	3	at	at	ADP
cblr-9988	282	4	15	15	NUM
cblr-9988	282	5	(	(	PUNCT
cblr-9988	282	6	2019	2019	NUM
cblr-9988	282	7	)	)	PUNCT
cblr-9988	282	8	(	(	PUNCT
cblr-9988	282	9	statement	statement	NOUN
cblr-9988	282	10	of	of	ADP
cblr-9988	282	11	aaron	aaron	PROPN
cblr-9988	282	12	glantz	glantz	PROPN
cblr-9988	282	13	,	,	PUNCT
cblr-9988	282	14	senior	senior	ADJ
cblr-9988	282	15	rep	rep	PROPN
cblr-9988	282	16	.	.	PROPN
cblr-9988	282	17	,	,	PUNCT
cblr-9988	282	18	reveal	reveal	VERB
cblr-9988	282	19	from	from	ADP
cblr-9988	282	20	the	the	DET
cblr-9988	282	21	ctr	ctr	PROPN
cblr-9988	282	22	.	.	PUNCT
cblr-9988	283	1	for	for	ADP
cblr-9988	283	2	investigative	investigative	ADJ
cblr-9988	283	3	reporting	reporting	NOUN
cblr-9988	283	4	)	)	PUNCT
cblr-9988	283	5	(	(	PUNCT
cblr-9988	283	6	explaining	explain	VERB
cblr-9988	283	7	how	how	SCONJ
cblr-9988	283	8	banks	bank	NOUN
cblr-9988	283	9	can	can	AUX
cblr-9988	283	10	comply	comply	VERB
cblr-9988	283	11	with	with	ADP
cblr-9988	283	12	the	the	DET
cblr-9988	283	13	cra	cra	PROPN
cblr-9988	283	14	by	by	ADP
cblr-9988	283	15	making	make	VERB
cblr-9988	283	16	loans	loan	NOUN
cblr-9988	283	17	to	to	ADP
cblr-9988	283	18	white	white	ADJ
cblr-9988	283	19	newcomers	newcomer	NOUN
cblr-9988	283	20	in	in	ADP
cblr-9988	283	21	rapidly	rapidly	ADV
cblr-9988	283	22	gentrifying	gentrify	VERB
cblr-9988	283	23	638	638	NUM
cblr-9988	283	24	columbia	columbia	PROPN
cblr-9988	283	25	business	business	NOUN
cblr-9988	283	26	law	law	NOUN
cblr-9988	283	27	review	review	NOUN
cblr-9988	283	28	[	[	X
cblr-9988	283	29	vol	vol	NOUN
cblr-9988	283	30	.	.	PUNCT
cblr-9988	283	31	2022	2022	NUM
cblr-9988	283	32	finally	finally	ADV
cblr-9988	283	33	,	,	PUNCT
cblr-9988	283	34	credit	credit	NOUN
cblr-9988	283	35	reforms	reform	NOUN
cblr-9988	283	36	such	such	ADJ
cblr-9988	283	37	as	as	ADP
cblr-9988	283	38	the	the	DET
cblr-9988	283	39	fair	fair	ADJ
cblr-9988	283	40	credit	credit	NOUN
cblr-9988	283	41	reporting	reporting	NOUN
cblr-9988	283	42	act79	act79	PROPN
cblr-9988	283	43	and	and	CCONJ
cblr-9988	283	44	the	the	DET
cblr-9988	283	45	equal	equal	ADJ
cblr-9988	283	46	credit	credit	NOUN
cblr-9988	283	47	opportunity	opportunity	NOUN
cblr-9988	283	48	act80	act80	NOUN
cblr-9988	283	49	aimed	aim	VERB
cblr-9988	283	50	to	to	PART
cblr-9988	283	51	redress	redress	NOUN
cblr-9988	283	52	predatory	predatory	NOUN
cblr-9988	283	53	lending	lending	NOUN
cblr-9988	283	54	practices	practice	NOUN
cblr-9988	283	55	have	have	AUX
cblr-9988	283	56	had	have	VERB
cblr-9988	283	57	a	a	DET
cblr-9988	283	58	limited	limited	ADJ
cblr-9988	283	59	effect	effect	NOUN
cblr-9988	283	60	on	on	ADP
cblr-9988	283	61	increasing	increase	VERB
cblr-9988	283	62	access	access	NOUN
cblr-9988	283	63	to	to	ADP
cblr-9988	283	64	credit	credit	NOUN
cblr-9988	283	65	because	because	SCONJ
cblr-9988	283	66	these	these	DET
cblr-9988	283	67	reforms	reform	NOUN
cblr-9988	283	68	did	do	AUX
cblr-9988	283	69	not	not	PART
cblr-9988	283	70	address	address	VERB
cblr-9988	283	71	the	the	DET
cblr-9988	283	72	underlying	underlie	VERB
cblr-9988	283	73	wealth	wealth	NOUN
cblr-9988	283	74	disparity	disparity	NOUN
cblr-9988	283	75	between	between	ADP
cblr-9988	283	76	black	black	ADJ
cblr-9988	283	77	and	and	CCONJ
cblr-9988	283	78	white	white	ADJ
cblr-9988	283	79	households.81	households.81	PROPN
cblr-9988	283	80	though	though	SCONJ
cblr-9988	283	81	these	these	DET
cblr-9988	283	82	reforms	reform	NOUN
cblr-9988	283	83	sought	seek	VERB
cblr-9988	283	84	to	to	PART
cblr-9988	283	85	eliminate	eliminate	VERB
cblr-9988	283	86	discrimination	discrimination	NOUN
cblr-9988	283	87	in	in	ADP
cblr-9988	283	88	credit	credit	NOUN
cblr-9988	283	89	applications	application	NOUN
cblr-9988	283	90	,	,	PUNCT
cblr-9988	283	91	lenders	lender	NOUN
cblr-9988	283	92	continued	continue	VERB
cblr-9988	283	93	to	to	PART
cblr-9988	283	94	deny	deny	VERB
cblr-9988	283	95	credit	credit	NOUN
cblr-9988	283	96	to	to	ADP
cblr-9988	283	97	black	black	ADJ
cblr-9988	283	98	applicants	applicant	NOUN
cblr-9988	283	99	by	by	ADP
cblr-9988	283	100	using	use	VERB
cblr-9988	283	101	zip	zip	NOUN
cblr-9988	283	102	codes	code	NOUN
cblr-9988	283	103	as	as	ADP
cblr-9988	283	104	a	a	DET
cblr-9988	283	105	proxy	proxy	NOUN
cblr-9988	283	106	for	for	ADP
cblr-9988	283	107	race.82	race.82	NOUN
cblr-9988	283	108	furthermore	furthermore	ADV
cblr-9988	283	109	,	,	PUNCT
cblr-9988	283	110	studies	study	NOUN
cblr-9988	283	111	have	have	AUX
cblr-9988	283	112	shown	show	VERB
cblr-9988	283	113	that	that	SCONJ
cblr-9988	283	114	people	people	NOUN
cblr-9988	283	115	who	who	PRON
cblr-9988	283	116	agree	agree	VERB
cblr-9988	283	117	to	to	ADP
cblr-9988	283	118	high	high	ADJ
cblr-9988	283	119	interest	interest	NOUN
cblr-9988	283	120	rates	rate	NOUN
cblr-9988	283	121	know	know	VERB
cblr-9988	283	122	they	they	PRON
cblr-9988	283	123	are	be	AUX
cblr-9988	283	124	overpaying	overpay	VERB
cblr-9988	283	125	for	for	ADP
cblr-9988	283	126	credit	credit	NOUN
cblr-9988	283	127	,	,	PUNCT
cblr-9988	283	128	but	but	CCONJ
cblr-9988	283	129	they	they	PRON
cblr-9988	283	130	choose	choose	VERB
cblr-9988	283	131	to	to	PART
cblr-9988	283	132	do	do	VERB
cblr-9988	283	133	so	so	ADV
cblr-9988	283	134	anyway	anyway	ADV
cblr-9988	283	135	because	because	SCONJ
cblr-9988	283	136	they	they	PRON
cblr-9988	283	137	have	have	VERB
cblr-9988	283	138	no	no	DET
cblr-9988	283	139	better	well	ADJ
cblr-9988	283	140	alternatives.83	alternatives.83	ADJ
cblr-9988	283	141	reforms	reform	NOUN
cblr-9988	283	142	that	that	PRON
cblr-9988	283	143	aim	aim	VERB
cblr-9988	283	144	to	to	PART
cblr-9988	283	145	educate	educate	VERB
cblr-9988	283	146	borrowers	borrower	NOUN
cblr-9988	283	147	on	on	ADP
cblr-9988	283	148	the	the	DET
cblr-9988	283	149	risks	risk	NOUN
cblr-9988	283	150	of	of	ADP
cblr-9988	283	151	predatory	predatory	ADJ
cblr-9988	283	152	lending	lending	NOUN
cblr-9988	283	153	do	do	AUX
cblr-9988	283	154	help	help	VERB
cblr-9988	283	155	people	people	NOUN
cblr-9988	283	156	who	who	PRON
cblr-9988	283	157	already	already	ADV
cblr-9988	283	158	understand	understand	VERB
cblr-9988	283	159	those	those	DET
cblr-9988	283	160	risks	risk	NOUN
cblr-9988	283	161	.	.	PUNCT
cblr-9988	284	1	the	the	DET
cblr-9988	284	2	lack	lack	NOUN
cblr-9988	284	3	of	of	ADP
cblr-9988	284	4	access	access	NOUN
cblr-9988	284	5	to	to	ADP
cblr-9988	284	6	affordable	affordable	ADJ
cblr-9988	284	7	credit	credit	NOUN
cblr-9988	284	8	keeps	keep	VERB
cblr-9988	284	9	lower	low	ADJ
cblr-9988	284	10	-	-	PUNCT
cblr-9988	284	11	income	income	NOUN
cblr-9988	284	12	individuals	individual	NOUN
cblr-9988	284	13	,	,	PUNCT
cblr-9988	284	14	many	many	ADJ
cblr-9988	284	15	of	of	ADP
cblr-9988	284	16	whom	whom	PRON
cblr-9988	284	17	are	be	AUX
cblr-9988	284	18	minorities	minority	NOUN
cblr-9988	284	19	,	,	PUNCT
cblr-9988	284	20	on	on	ADP
cblr-9988	284	21	the	the	DET
cblr-9988	284	22	fringes	fringe	NOUN
cblr-9988	284	23	of	of	ADP
cblr-9988	284	24	the	the	DET
cblr-9988	284	25	credit	credit	NOUN
cblr-9988	284	26	market	market	NOUN
cblr-9988	284	27	.	.	PUNCT
cblr-9988	285	1	furthermore	furthermore	ADV
cblr-9988	285	2	,	,	PUNCT
cblr-9988	285	3	borrowers	borrower	NOUN
cblr-9988	285	4	who	who	PRON
cblr-9988	285	5	use	use	VERB
cblr-9988	285	6	alternative	alternative	ADJ
cblr-9988	285	7	lenders	lender	NOUN
cblr-9988	285	8	are	be	AUX
cblr-9988	285	9	sometimes	sometimes	ADV
cblr-9988	285	10	not	not	PART
cblr-9988	285	11	given	give	VERB
cblr-9988	285	12	the	the	DET
cblr-9988	285	13	ability	ability	NOUN
cblr-9988	285	14	to	to	PART
cblr-9988	285	15	build	build	VERB
cblr-9988	285	16	a	a	DET
cblr-9988	285	17	credit	credit	NOUN
cblr-9988	285	18	history	history	NOUN
cblr-9988	285	19	that	that	PRON
cblr-9988	285	20	would	would	AUX
cblr-9988	285	21	qualify	qualify	VERB
cblr-9988	285	22	them	they	PRON
cblr-9988	285	23	for	for	ADP
cblr-9988	285	24	bank	bank	NOUN
cblr-9988	285	25	loans	loan	NOUN
cblr-9988	285	26	,	,	PUNCT
cblr-9988	285	27	thus	thus	ADV
cblr-9988	285	28	perpetuating	perpetuate	VERB
cblr-9988	285	29	their	their	PRON
cblr-9988	285	30	reliance	reliance	NOUN
cblr-9988	285	31	on	on	ADP
cblr-9988	285	32	alternative	alternative	ADJ
cblr-9988	285	33	lenders.84	lenders.84	PROPN
cblr-9988	285	34	additionally	additionally	ADV
cblr-9988	285	35	,	,	PUNCT
cblr-9988	285	36	small	small	ADJ
cblr-9988	285	37	business	business	NOUN
cblr-9988	285	38	borrowers	borrower	NOUN
cblr-9988	285	39	who	who	PRON
cblr-9988	285	40	use	use	VERB
cblr-9988	285	41	alternative	alternative	ADJ
cblr-9988	285	42	neighborhoods	neighborhood	NOUN
cblr-9988	285	43	or	or	CCONJ
cblr-9988	285	44	open	open	VERB
cblr-9988	285	45	physical	physical	ADJ
cblr-9988	285	46	locations	location	NOUN
cblr-9988	285	47	that	that	PRON
cblr-9988	285	48	are	be	AUX
cblr-9988	285	49	not	not	PART
cblr-9988	285	50	deposit	deposit	NOUN
cblr-9988	285	51	-	-	PUNCT
cblr-9988	285	52	taking	take	VERB
cblr-9988	285	53	bank	bank	NOUN
cblr-9988	285	54	branches	branch	NOUN
cblr-9988	285	55	to	to	PART
cblr-9988	285	56	avoid	avoid	VERB
cblr-9988	285	57	being	be	AUX
cblr-9988	285	58	subject	subject	ADJ
cblr-9988	285	59	to	to	ADP
cblr-9988	285	60	cra	cra	PROPN
cblr-9988	285	61	requirements	requirement	NOUN
cblr-9988	285	62	in	in	ADP
cblr-9988	285	63	those	those	DET
cblr-9988	285	64	markets	market	NOUN
cblr-9988	285	65	)	)	PUNCT
cblr-9988	285	66	.	.	PUNCT
cblr-9988	286	1	79	79	NUM
cblr-9988	286	2	pub	pub	NOUN
cblr-9988	286	3	.	.	PUNCT
cblr-9988	287	1	l.	l.	PROPN
cblr-9988	287	2	91	91	NUM
cblr-9988	287	3	-	-	SYM
cblr-9988	287	4	508	508	NUM
cblr-9988	287	5	,	,	PUNCT
cblr-9988	287	6	84	84	NUM
cblr-9988	287	7	stat	stat	NOUN
cblr-9988	287	8	.	.	PUNCT
cblr-9988	288	1	1227	1227	NUM
cblr-9988	288	2	(	(	PUNCT
cblr-9988	288	3	1970	1970	NUM
cblr-9988	288	4	)	)	PUNCT
cblr-9988	288	5	(	(	PUNCT
cblr-9988	288	6	codified	codify	VERB
cblr-9988	288	7	as	as	SCONJ
cblr-9988	288	8	amended	amend	VERB
cblr-9988	288	9	in	in	ADP
cblr-9988	288	10	scattered	scatter	VERB
cblr-9988	288	11	sections	section	NOUN
cblr-9988	288	12	of	of	ADP
cblr-9988	288	13	12	12	NUM
cblr-9988	288	14	u.s.c	u.s.c	ADJ
cblr-9988	288	15	.	.	PUNCT
cblr-9988	289	1	and	and	CCONJ
cblr-9988	289	2	15	15	NUM
cblr-9988	289	3	u.s.c	u.s.c	ADJ
cblr-9988	289	4	.	.	PUNCT
cblr-9988	289	5	)	)	PUNCT
cblr-9988	289	6	.	.	PUNCT
cblr-9988	290	1	80	80	NUM
cblr-9988	290	2	pub	pub	NOUN
cblr-9988	290	3	.	.	PUNCT
cblr-9988	291	1	l.	l.	NOUN
cblr-9988	291	2	93	93	NUM
cblr-9988	291	3	-	-	SYM
cblr-9988	291	4	380	380	NUM
cblr-9988	291	5	,	,	PUNCT
cblr-9988	291	6	88	88	NUM
cblr-9988	291	7	stat	stat	NOUN
cblr-9988	291	8	.	.	PUNCT
cblr-9988	292	1	516	516	NUM
cblr-9988	292	2	(	(	PUNCT
cblr-9988	292	3	1974	1974	NUM
cblr-9988	292	4	)	)	PUNCT
cblr-9988	292	5	(	(	PUNCT
cblr-9988	292	6	codified	codify	VERB
cblr-9988	292	7	at	at	ADP
cblr-9988	292	8	20	20	NUM
cblr-9988	292	9	u.s.c	u.s.c	ADJ
cblr-9988	292	10	.	.	PUNCT
cblr-9988	293	1	§	§	PROPN
cblr-9988	293	2	§	§	PROPN
cblr-9988	293	3	1701	1701	NUM
cblr-9988	293	4	–	–	PUNCT
cblr-9988	293	5	1758	1758	NUM
cblr-9988	293	6	)	)	PUNCT
cblr-9988	293	7	.	.	PUNCT
cblr-9988	294	1	81	81	NUM
cblr-9988	294	2	baradaran	baradaran	NOUN
cblr-9988	294	3	,	,	PUNCT
cblr-9988	294	4	supra	supra	PROPN
cblr-9988	294	5	note	note	PROPN
cblr-9988	294	6	26	26	NUM
cblr-9988	294	7	,	,	PUNCT
cblr-9988	294	8	at	at	ADP
cblr-9988	294	9	150	150	NUM
cblr-9988	294	10	.	.	PUNCT
cblr-9988	295	1	82	82	NUM
cblr-9988	296	1	i	i	PROPN
cblr-9988	296	2	d.	d.	PROPN
cblr-9988	296	3	83	83	NUM
cblr-9988	296	4	see	see	VERB
cblr-9988	296	5	nakita	nakita	PROPN
cblr-9988	296	6	q.	q.	PROPN
cblr-9988	296	7	cuttino	cuttino	PROPN
cblr-9988	296	8	,	,	PUNCT
cblr-9988	296	9	the	the	DET
cblr-9988	296	10	rise	rise	NOUN
cblr-9988	296	11	of	of	ADP
cblr-9988	296	12	“	"	PUNCT
cblr-9988	296	13	fringetech	fringetech	NOUN
cblr-9988	296	14	”	"	PUNCT
cblr-9988	296	15	:	:	PUNCT
cblr-9988	296	16	regulatory	regulatory	ADJ
cblr-9988	296	17	risks	risk	NOUN
cblr-9988	296	18	in	in	ADP
cblr-9988	296	19	early	early	ADJ
cblr-9988	296	20	wage	wage	NOUN
cblr-9988	296	21	access	access	NOUN
cblr-9988	296	22	,	,	PUNCT
cblr-9988	296	23	115	115	NUM
cblr-9988	296	24	nw	nw	PROPN
cblr-9988	296	25	.	.	PROPN
cblr-9988	296	26	l.	l.	PROPN
cblr-9988	296	27	rev	rev	PROPN
cblr-9988	296	28	.	.	PROPN
cblr-9988	296	29	1505	1505	NUM
cblr-9988	296	30	,	,	PUNCT
cblr-9988	296	31	1549–50	1549–50	NUM
cblr-9988	296	32	(	(	PUNCT
cblr-9988	296	33	2021	2021	NUM
cblr-9988	296	34	)	)	PUNCT
cblr-9988	296	35	(	(	PUNCT
cblr-9988	296	36	explaining	explain	VERB
cblr-9988	296	37	that	that	SCONJ
cblr-9988	296	38	payday	payday	NOUN
cblr-9988	296	39	lenders	lender	NOUN
cblr-9988	296	40	are	be	AUX
cblr-9988	296	41	often	often	ADV
cblr-9988	296	42	the	the	DET
cblr-9988	296	43	best	good	ADJ
cblr-9988	296	44	and	and	CCONJ
cblr-9988	296	45	only	only	ADJ
cblr-9988	296	46	option	option	NOUN
cblr-9988	296	47	for	for	ADP
cblr-9988	296	48	individuals	individual	NOUN
cblr-9988	296	49	with	with	ADP
cblr-9988	296	50	poor	poor	ADJ
cblr-9988	296	51	or	or	CCONJ
cblr-9988	296	52	limited	limited	ADJ
cblr-9988	296	53	credit	credit	NOUN
cblr-9988	296	54	histories	history	NOUN
cblr-9988	296	55	who	who	PRON
cblr-9988	296	56	require	require	VERB
cblr-9988	296	57	immediate	immediate	ADJ
cblr-9988	296	58	liquidity	liquidity	NOUN
cblr-9988	296	59	)	)	PUNCT
cblr-9988	296	60	;	;	PUNCT
cblr-9988	296	61	see	see	VERB
cblr-9988	296	62	also	also	ADV
cblr-9988	296	63	baradaran	baradaran	NOUN
cblr-9988	296	64	,	,	PUNCT
cblr-9988	296	65	supra	supra	PROPN
cblr-9988	296	66	note	note	NOUN
cblr-9988	296	67	2	2	NUM
cblr-9988	296	68	,	,	PUNCT
cblr-9988	296	69	at	at	ADP
cblr-9988	296	70	129	129	NUM
cblr-9988	296	71	(	(	PUNCT
cblr-9988	296	72	“	"	PUNCT
cblr-9988	296	73	fringe	fringe	NOUN
cblr-9988	296	74	loans	loan	NOUN
cblr-9988	296	75	,	,	PUNCT
cblr-9988	296	76	like	like	ADP
cblr-9988	296	77	payday	payday	NOUN
cblr-9988	296	78	and	and	CCONJ
cblr-9988	296	79	title	title	NOUN
cblr-9988	296	80	loans	loan	NOUN
cblr-9988	296	81	,	,	PUNCT
cblr-9988	296	82	exist	exist	VERB
cblr-9988	296	83	because	because	SCONJ
cblr-9988	296	84	a	a	DET
cblr-9988	296	85	large	large	ADJ
cblr-9988	296	86	portion	portion	NOUN
cblr-9988	296	87	of	of	ADP
cblr-9988	296	88	the	the	DET
cblr-9988	296	89	population	population	NOUN
cblr-9988	296	90	needs	need	VERB
cblr-9988	296	91	them	they	PRON
cblr-9988	296	92	.	.	PUNCT
cblr-9988	296	93	”	"	PUNCT
cblr-9988	296	94	)	)	PUNCT
cblr-9988	296	95	.	.	PUNCT
cblr-9988	297	1	84	84	NUM
cblr-9988	297	2	cuttino	cuttino	NOUN
cblr-9988	297	3	,	,	PUNCT
cblr-9988	297	4	supra	supra	PROPN
cblr-9988	297	5	note	note	NOUN
cblr-9988	297	6	83	83	NUM
cblr-9988	297	7	,	,	PUNCT
cblr-9988	297	8	at	at	ADP
cblr-9988	297	9	1553	1553	NUM
cblr-9988	297	10	(	(	PUNCT
cblr-9988	297	11	“	"	PUNCT
cblr-9988	297	12	moreover	moreover	ADV
cblr-9988	297	13	,	,	PUNCT
cblr-9988	297	14	by	by	ADP
cblr-9988	297	15	not	not	PART
cblr-9988	297	16	reporting	report	VERB
cblr-9988	297	17	positive	positive	ADJ
cblr-9988	297	18	repayment	repayment	NOUN
cblr-9988	297	19	history	history	NOUN
cblr-9988	297	20	to	to	ADP
cblr-9988	297	21	credit	credit	NOUN
cblr-9988	297	22	bureaus	bureaus	NOUN
cblr-9988	297	23	,	,	PUNCT
cblr-9988	297	24	payday	payday	NOUN
cblr-9988	297	25	lenders	lender	NOUN
cblr-9988	297	26	keep	keep	VERB
cblr-9988	297	27	payday	payday	NOUN
cblr-9988	297	28	borrowers	borrower	NOUN
cblr-9988	297	29	on	on	ADP
cblr-9988	297	30	the	the	DET
cblr-9988	297	31	lowest	low	ADJ
cblr-9988	297	32	rungs	rung	NOUN
cblr-9988	297	33	of	of	ADP
cblr-9988	297	34	the	the	DET
cblr-9988	297	35	lending	lending	NOUN
cblr-9988	297	36	ladder	ladder	NOUN
cblr-9988	297	37	.	.	PUNCT
cblr-9988	297	38	”	"	PUNCT
cblr-9988	297	39	)	)	PUNCT
cblr-9988	297	40	.	.	PUNCT
cblr-9988	298	1	no	no	INTJ
cblr-9988	298	2	.	.	PUNCT
cblr-9988	299	1	1:621	1:621	NUM
cblr-9988	299	2	]	]	X
cblr-9988	299	3	expand	expand	VERB
cblr-9988	299	4	online	online	ADJ
cblr-9988	299	5	lending	lending	NOUN
cblr-9988	299	6	to	to	ADP
cblr-9988	299	7	minority	minority	NOUN
cblr-9988	299	8	business	business	NOUN
cblr-9988	299	9	owners	owner	NOUN
cblr-9988	299	10	639	639	NUM
cblr-9988	299	11	lenders	lender	NOUN
cblr-9988	299	12	may	may	AUX
cblr-9988	299	13	face	face	VERB
cblr-9988	299	14	difficulties	difficulty	NOUN
cblr-9988	299	15	in	in	ADP
cblr-9988	299	16	accessing	access	VERB
cblr-9988	299	17	federal	federal	ADJ
cblr-9988	299	18	government	government	NOUN
cblr-9988	299	19	funding	funding	NOUN
cblr-9988	299	20	programs	program	NOUN
cblr-9988	299	21	during	during	ADP
cblr-9988	299	22	a	a	DET
cblr-9988	299	23	recession.85	recession.85	NOUN
cblr-9988	299	24	online	online	ADJ
cblr-9988	299	25	lenders	lender	NOUN
cblr-9988	299	26	have	have	AUX
cblr-9988	299	27	emerged	emerge	VERB
cblr-9988	299	28	to	to	PART
cblr-9988	299	29	fill	fill	VERB
cblr-9988	299	30	the	the	DET
cblr-9988	299	31	gap	gap	NOUN
cblr-9988	299	32	in	in	ADP
cblr-9988	299	33	access	access	NOUN
cblr-9988	299	34	to	to	ADP
cblr-9988	299	35	credit	credit	NOUN
cblr-9988	299	36	for	for	ADP
cblr-9988	299	37	small	small	ADJ
cblr-9988	299	38	businesses.86	businesses.86	NOUN
cblr-9988	299	39	however	however	ADV
cblr-9988	299	40	,	,	PUNCT
cblr-9988	299	41	like	like	ADP
cblr-9988	299	42	payday	payday	NOUN
cblr-9988	299	43	lenders	lender	NOUN
cblr-9988	299	44	and	and	CCONJ
cblr-9988	299	45	other	other	ADJ
cblr-9988	299	46	fringe	fringe	NOUN
cblr-9988	299	47	lenders	lender	NOUN
cblr-9988	299	48	,	,	PUNCT
cblr-9988	299	49	they	they	PRON
cblr-9988	299	50	often	often	ADV
cblr-9988	299	51	charge	charge	VERB
cblr-9988	299	52	high	high	ADJ
cblr-9988	299	53	interest	interest	NOUN
cblr-9988	299	54	rates,87	rates,87	NOUN
cblr-9988	299	55	and	and	CCONJ
cblr-9988	299	56	because	because	SCONJ
cblr-9988	299	57	they	they	PRON
cblr-9988	299	58	are	be	AUX
cblr-9988	299	59	not	not	PART
cblr-9988	299	60	subject	subject	ADJ
cblr-9988	299	61	to	to	ADP
cblr-9988	299	62	banking	banking	NOUN
cblr-9988	299	63	regulation	regulation	NOUN
cblr-9988	299	64	,	,	PUNCT
cblr-9988	299	65	they	they	PRON
cblr-9988	299	66	are	be	AUX
cblr-9988	299	67	also	also	ADV
cblr-9988	299	68	not	not	PART
cblr-9988	299	69	subject	subject	ADJ
cblr-9988	299	70	to	to	ADP
cblr-9988	299	71	liquidity	liquidity	NOUN
cblr-9988	299	72	requirements.88	requirements.88	PROPN
cblr-9988	299	73	as	as	ADP
cblr-9988	299	74	a	a	DET
cblr-9988	299	75	result	result	NOUN
cblr-9988	299	76	,	,	PUNCT
cblr-9988	299	77	borrowers	borrower	NOUN
cblr-9988	299	78	who	who	PRON
cblr-9988	299	79	rely	rely	VERB
cblr-9988	299	80	on	on	ADP
cblr-9988	299	81	these	these	DET
cblr-9988	299	82	lenders	lender	NOUN
cblr-9988	299	83	may	may	AUX
cblr-9988	299	84	encounter	encounter	VERB
cblr-9988	299	85	issues	issue	NOUN
cblr-9988	299	86	accessing	access	VERB
cblr-9988	299	87	funds	fund	NOUN
cblr-9988	299	88	in	in	ADP
cblr-9988	299	89	times	time	NOUN
cblr-9988	299	90	of	of	ADP
cblr-9988	299	91	economic	economic	ADJ
cblr-9988	299	92	crisis.89	crisis.89	PROPN
cblr-9988	299	93	part	part	NOUN
cblr-9988	299	94	iii	iii	PROPN
cblr-9988	299	95	examines	examine	VERB
cblr-9988	299	96	the	the	DET
cblr-9988	299	97	business	business	NOUN
cblr-9988	299	98	model	model	NOUN
cblr-9988	299	99	of	of	ADP
cblr-9988	299	100	online	online	ADJ
cblr-9988	299	101	lenders	lender	NOUN
cblr-9988	299	102	and	and	CCONJ
cblr-9988	299	103	explores	explore	VERB
cblr-9988	299	104	how	how	SCONJ
cblr-9988	299	105	these	these	DET
cblr-9988	299	106	lenders	lender	NOUN
cblr-9988	299	107	may	may	AUX
cblr-9988	299	108	expose	expose	VERB
cblr-9988	299	109	borrowers	borrower	NOUN
cblr-9988	299	110	to	to	PART
cblr-9988	299	111	risk	risk	VERB
cblr-9988	299	112	.	.	PUNCT
cblr-9988	300	1	iii	iii	X
cblr-9988	300	2	.	.	PUNCT
cblr-9988	301	1	online	online	PROPN
cblr-9988	301	2	lenders	lender	NOUN
cblr-9988	301	3	fill	fill	VERB
cblr-9988	301	4	a	a	DET
cblr-9988	301	5	gap	gap	NOUN
cblr-9988	301	6	in	in	ADP
cblr-9988	301	7	the	the	DET
cblr-9988	301	8	credit	credit	NOUN
cblr-9988	301	9	market	market	NOUN
cblr-9988	301	10	for	for	ADP
cblr-9988	301	11	small	small	ADJ
cblr-9988	301	12	business	business	NOUN
cblr-9988	301	13	loans	loan	NOUN
cblr-9988	301	14	borrowers	borrower	NOUN
cblr-9988	301	15	of	of	ADP
cblr-9988	301	16	online	online	ADJ
cblr-9988	301	17	lenders	lender	NOUN
cblr-9988	301	18	are	be	AUX
cblr-9988	301	19	often	often	ADV
cblr-9988	301	20	creditworthy	creditworthy	ADJ
cblr-9988	301	21	individuals	individual	NOUN
cblr-9988	301	22	or	or	CCONJ
cblr-9988	301	23	business	business	NOUN
cblr-9988	301	24	owners	owner	NOUN
cblr-9988	301	25	who	who	PRON
cblr-9988	301	26	have	have	AUX
cblr-9988	301	27	limited	limit	VERB
cblr-9988	301	28	formal	formal	ADJ
cblr-9988	301	29	credit	credit	NOUN
cblr-9988	301	30	data.90	data.90	NOUN
cblr-9988	301	31	minority	minority	NOUN
cblr-9988	301	32	business	business	NOUN
cblr-9988	301	33	owners	owner	NOUN
cblr-9988	301	34	often	often	ADV
cblr-9988	301	35	fall	fall	VERB
cblr-9988	301	36	into	into	ADP
cblr-9988	301	37	this	this	DET
cblr-9988	301	38	category	category	NOUN
cblr-9988	301	39	,	,	PUNCT
cblr-9988	301	40	either	either	CCONJ
cblr-9988	301	41	because	because	SCONJ
cblr-9988	301	42	they	they	PRON
cblr-9988	301	43	have	have	VERB
cblr-9988	301	44	limited	limit	VERB
cblr-9988	301	45	credit	credit	NOUN
cblr-9988	301	46	history	history	NOUN
cblr-9988	301	47	and	and	CCONJ
cblr-9988	301	48	data	datum	NOUN
cblr-9988	301	49	,	,	PUNCT
cblr-9988	301	50	or	or	CCONJ
cblr-9988	301	51	because	because	SCONJ
cblr-9988	301	52	they	they	PRON
cblr-9988	301	53	have	have	VERB
cblr-9988	301	54	limited	limit	VERB
cblr-9988	301	55	wealth	wealth	NOUN
cblr-9988	301	56	and	and	CCONJ
cblr-9988	301	57	assets	asset	NOUN
cblr-9988	301	58	they	they	PRON
cblr-9988	301	59	can	can	AUX
cblr-9988	301	60	supply	supply	VERB
cblr-9988	301	61	as	as	ADP
cblr-9988	301	62	collateral.91	collateral.91	NOUN
cblr-9988	301	63	as	as	SCONJ
cblr-9988	301	64	large	large	ADJ
cblr-9988	301	65	banks	bank	NOUN
cblr-9988	301	66	have	have	AUX
cblr-9988	301	67	shifted	shift	VERB
cblr-9988	301	68	away	away	ADV
cblr-9988	301	69	from	from	ADP
cblr-9988	301	70	providing	provide	VERB
cblr-9988	301	71	small	small	ADJ
cblr-9988	301	72	-	-	PUNCT
cblr-9988	301	73	dollar	dollar	NOUN
cblr-9988	301	74	loans,92	loans,92	NOUN
cblr-9988	301	75	online	online	ADJ
cblr-9988	301	76	lenders	lender	NOUN
cblr-9988	301	77	have	have	AUX
cblr-9988	301	78	emerged	emerge	VERB
cblr-9988	301	79	to	to	PART
cblr-9988	301	80	fill	fill	VERB
cblr-9988	301	81	this	this	DET
cblr-9988	301	82	gap	gap	NOUN
cblr-9988	301	83	in	in	ADP
cblr-9988	301	84	access	access	NOUN
cblr-9988	301	85	to	to	ADP
cblr-9988	301	86	credit	credit	NOUN
cblr-9988	301	87	for	for	ADP
cblr-9988	301	88	small	small	ADJ
cblr-9988	301	89	business	business	NOUN
cblr-9988	301	90	borrowers.93	borrowers.93	PROPN
cblr-9988	301	91	there	there	PRON
cblr-9988	301	92	are	be	VERB
cblr-9988	301	93	many	many	ADJ
cblr-9988	301	94	different	different	ADJ
cblr-9988	301	95	types	type	NOUN
cblr-9988	301	96	of	of	ADP
cblr-9988	301	97	online	online	ADJ
cblr-9988	301	98	lenders	lender	NOUN
cblr-9988	301	99	,	,	PUNCT
cblr-9988	301	100	ranging	range	VERB
cblr-9988	301	101	from	from	ADP
cblr-9988	301	102	fintech	fintech	NOUN
cblr-9988	301	103	marketplaces	marketplace	NOUN
cblr-9988	301	104	and	and	CCONJ
cblr-9988	301	105	peer	peer	NOUN
cblr-9988	301	106	-	-	PUNCT
cblr-9988	301	107	to	to	ADP
cblr-9988	301	108	-	-	PUNCT
cblr-9988	301	109	peer	peer	NOUN
cblr-9988	301	110	(	(	PUNCT
cblr-9988	301	111	“	"	PUNCT
cblr-9988	301	112	p2p	p2p	NOUN
cblr-9988	301	113	”	"	PUNCT
cblr-9988	301	114	)	)	PUNCT
cblr-9988	301	115	lending	lending	NOUN
cblr-9988	301	116	platforms	platform	NOUN
cblr-9988	301	117	to	to	PART
cblr-9988	301	118	ecommerce	ecommerce	NOUN
cblr-9988	301	119	platforms	platform	NOUN
cblr-9988	301	120	,	,	PUNCT
cblr-9988	301	121	such	such	ADJ
cblr-9988	301	122	as	as	ADP
cblr-9988	301	123	square	square	ADJ
cblr-9988	301	124	and	and	CCONJ
cblr-9988	301	125	paypal	paypal	NOUN
cblr-9988	301	126	,	,	PUNCT
cblr-9988	301	127	that	that	PRON
cblr-9988	301	128	offer	offer	VERB
cblr-9988	301	129	lending	lending	NOUN
cblr-9988	301	130	services.94	services.94	NOUN
cblr-9988	301	131	as	as	SCONJ
cblr-9988	301	132	these	these	DET
cblr-9988	301	133	lenders	lender	NOUN
cblr-9988	301	134	all	all	PRON
cblr-9988	301	135	use	use	VERB
cblr-9988	301	136	fintech	fintech	NOUN
cblr-9988	301	137	,	,	PUNCT
cblr-9988	301	138	the	the	DET
cblr-9988	301	139	terms	term	NOUN
cblr-9988	301	140	“	"	PUNCT
cblr-9988	301	141	online	online	ADJ
cblr-9988	301	142	lenders	lender	NOUN
cblr-9988	301	143	”	"	PUNCT
cblr-9988	301	144	and	and	CCONJ
cblr-9988	301	145	“	"	PUNCT
cblr-9988	301	146	fintech	fintech	NOUN
cblr-9988	301	147	companies	company	NOUN
cblr-9988	301	148	”	"	PUNCT
cblr-9988	301	149	85	85	NUM
cblr-9988	301	150	see	see	VERB
cblr-9988	301	151	supra	supra	ADJ
cblr-9988	301	152	section	section	NOUN
cblr-9988	301	153	ii.b.ii	ii.b.ii	PRON
cblr-9988	301	154	.	.	PUNCT
cblr-9988	302	1	86	86	NUM
cblr-9988	302	2	see	see	VERB
cblr-9988	302	3	infra	infra	NOUN
cblr-9988	302	4	part	part	PROPN
cblr-9988	302	5	iii	iii	PROPN
cblr-9988	302	6	.	.	PROPN
cblr-9988	302	7	87	87	NUM
cblr-9988	302	8	see	see	VERB
cblr-9988	302	9	infra	infra	NOUN
cblr-9988	302	10	section	section	NOUN
cblr-9988	302	11	iii.a.ii	iii.a.ii	NOUN
cblr-9988	302	12	.	.	PUNCT
cblr-9988	303	1	88	88	NUM
cblr-9988	303	2	see	see	VERB
cblr-9988	303	3	infra	infra	NOUN
cblr-9988	303	4	section	section	NOUN
cblr-9988	303	5	iii.b.ii	iii.b.ii	NOUN
cblr-9988	303	6	.	.	X
cblr-9988	303	7	89	89	NUM
cblr-9988	303	8	for	for	ADP
cblr-9988	303	9	a	a	DET
cblr-9988	303	10	discussion	discussion	NOUN
cblr-9988	303	11	of	of	ADP
cblr-9988	303	12	online	online	ADJ
cblr-9988	303	13	lenders	lender	NOUN
cblr-9988	303	14	facing	face	VERB
cblr-9988	303	15	liquidity	liquidity	NOUN
cblr-9988	303	16	problems	problem	NOUN
cblr-9988	303	17	during	during	ADP
cblr-9988	303	18	the	the	DET
cblr-9988	303	19	covid-19	covid-19	PROPN
cblr-9988	303	20	pandemic	pandemic	NOUN
cblr-9988	303	21	,	,	PUNCT
cblr-9988	303	22	see	see	VERB
cblr-9988	303	23	supra	supra	ADJ
cblr-9988	303	24	section	section	NOUN
cblr-9988	303	25	iii.b.ii	iii.b.ii	ADJ
cblr-9988	303	26	.	.	PUNCT
cblr-9988	304	1	90	90	NUM
cblr-9988	304	2	see	see	VERB
cblr-9988	304	3	finreg	finreg	NOUN
cblr-9988	304	4	lab	lab	NOUN
cblr-9988	304	5	,	,	PUNCT
cblr-9988	304	6	supra	supra	ADJ
cblr-9988	304	7	note	note	NOUN
cblr-9988	304	8	4	4	NUM
cblr-9988	304	9	,	,	PUNCT
cblr-9988	304	10	at	at	ADP
cblr-9988	304	11	9	9	NUM
cblr-9988	304	12	.	.	NOUN
cblr-9988	304	13	91	91	NUM
cblr-9988	304	14	see	see	VERB
cblr-9988	304	15	i	i	PRON
cblr-9988	304	16	d.	d.	PROPN
cblr-9988	304	17	92	92	NUM
cblr-9988	304	18	mills	mill	NOUN
cblr-9988	304	19	&	&	CCONJ
cblr-9988	304	20	mccarthy	mccarthy	PROPN
cblr-9988	304	21	,	,	PUNCT
cblr-9988	304	22	supra	supra	PROPN
cblr-9988	304	23	note	note	NOUN
cblr-9988	304	24	6	6	NUM
cblr-9988	304	25	,	,	PUNCT
cblr-9988	304	26	at	at	ADP
cblr-9988	304	27	42	42	NUM
cblr-9988	304	28	fig.25	fig.25	NOUN
cblr-9988	304	29	.	.	PUNCT
cblr-9988	305	1	93	93	NUM
cblr-9988	306	1	i	i	PRON
cblr-9988	306	2	d.	d.	PROPN
cblr-9988	306	3	at	at	ADP
cblr-9988	306	4	3	3	NUM
cblr-9988	306	5	.	.	NUM
cblr-9988	306	6	94	94	NUM
cblr-9988	307	1	i	i	PRON
cblr-9988	307	2	d.	d.	PROPN
cblr-9988	307	3	at	at	ADP
cblr-9988	307	4	53–54	53–54	NUM
cblr-9988	307	5	.	.	PROPN
cblr-9988	307	6	640	640	NUM
cblr-9988	307	7	columbia	columbia	PROPN
cblr-9988	307	8	business	business	NOUN
cblr-9988	307	9	law	law	NOUN
cblr-9988	307	10	review	review	NOUN
cblr-9988	308	1	[	[	X
cblr-9988	308	2	vol	vol	NOUN
cblr-9988	308	3	.	.	PUNCT
cblr-9988	308	4	2022	2022	NUM
cblr-9988	308	5	will	will	AUX
cblr-9988	308	6	be	be	AUX
cblr-9988	308	7	used	use	VERB
cblr-9988	308	8	interchangeably	interchangeably	ADV
cblr-9988	308	9	.	.	PUNCT
cblr-9988	309	1	online	online	ADJ
cblr-9988	309	2	lenders	lender	NOUN
cblr-9988	309	3	to	to	ADP
cblr-9988	309	4	small	small	ADJ
cblr-9988	309	5	businesses	business	NOUN
cblr-9988	309	6	tend	tend	VERB
cblr-9988	309	7	to	to	PART
cblr-9988	309	8	fall	fall	VERB
cblr-9988	309	9	within	within	ADP
cblr-9988	309	10	two	two	NUM
cblr-9988	309	11	categories	category	NOUN
cblr-9988	309	12	:	:	PUNCT
cblr-9988	309	13	(	(	PUNCT
cblr-9988	309	14	1	1	X
cblr-9988	309	15	)	)	PUNCT
cblr-9988	309	16	marketplace	marketplace	NOUN
cblr-9988	309	17	lenders	lender	NOUN
cblr-9988	309	18	that	that	PRON
cblr-9988	309	19	match	match	VERB
cblr-9988	309	20	borrowers	borrower	NOUN
cblr-9988	309	21	with	with	ADP
cblr-9988	309	22	lenders	lender	NOUN
cblr-9988	309	23	,	,	PUNCT
cblr-9988	309	24	such	such	ADJ
cblr-9988	309	25	as	as	ADP
cblr-9988	309	26	lending	lending	NOUN
cblr-9988	309	27	club	club	NOUN
cblr-9988	309	28	,	,	PUNCT
cblr-9988	309	29	prosper	prosper	NOUN
cblr-9988	309	30	,	,	PUNCT
cblr-9988	309	31	and	and	CCONJ
cblr-9988	309	32	funding	funding	NOUN
cblr-9988	309	33	circle	circle	NOUN
cblr-9988	309	34	,	,	PUNCT
cblr-9988	309	35	and	and	CCONJ
cblr-9988	309	36	(	(	PUNCT
cblr-9988	309	37	2	2	X
cblr-9988	309	38	)	)	PUNCT
cblr-9988	309	39	online	online	ADJ
cblr-9988	309	40	balance	balance	NOUN
cblr-9988	309	41	sheet	sheet	NOUN
cblr-9988	309	42	lenders	lender	NOUN
cblr-9988	309	43	that	that	PRON
cblr-9988	309	44	offer	offer	VERB
cblr-9988	309	45	a	a	DET
cblr-9988	309	46	variety	variety	NOUN
cblr-9988	309	47	of	of	ADP
cblr-9988	309	48	funding	funding	NOUN
cblr-9988	309	49	sources	source	NOUN
cblr-9988	309	50	,	,	PUNCT
cblr-9988	309	51	such	such	ADJ
cblr-9988	309	52	as	as	ADP
cblr-9988	309	53	kabbage	kabbage	NOUN
cblr-9988	309	54	and	and	CCONJ
cblr-9988	309	55	ondeck	ondeck	NOUN
cblr-9988	309	56	capital.95	capital.95	NOUN
cblr-9988	309	57	both	both	DET
cblr-9988	309	58	marketplace	marketplace	NOUN
cblr-9988	309	59	lenders	lender	NOUN
cblr-9988	309	60	and	and	CCONJ
cblr-9988	309	61	online	online	ADJ
cblr-9988	309	62	balance	balance	NOUN
cblr-9988	309	63	sheet	sheet	NOUN
cblr-9988	309	64	lenders	lender	NOUN
cblr-9988	309	65	use	use	VERB
cblr-9988	309	66	their	their	PRON
cblr-9988	309	67	own	own	ADJ
cblr-9988	309	68	risk	risk	NOUN
cblr-9988	309	69	assessment	assessment	NOUN
cblr-9988	309	70	model	model	NOUN
cblr-9988	309	71	to	to	PART
cblr-9988	309	72	determine	determine	VERB
cblr-9988	309	73	whether	whether	SCONJ
cblr-9988	309	74	a	a	DET
cblr-9988	309	75	potential	potential	ADJ
cblr-9988	309	76	borrower	borrower	NOUN
cblr-9988	309	77	is	be	AUX
cblr-9988	309	78	creditworthy.96	creditworthy.96	NOUN
cblr-9988	309	79	a.	a.	NOUN
cblr-9988	309	80	business	business	NOUN
cblr-9988	309	81	models	model	NOUN
cblr-9988	309	82	of	of	ADP
cblr-9988	309	83	online	online	ADJ
cblr-9988	309	84	lenders	lender	NOUN
cblr-9988	309	85	marketplace	marketplace	NOUN
cblr-9988	309	86	lenders	lender	NOUN
cblr-9988	309	87	fund	fund	VERB
cblr-9988	309	88	loans	loan	NOUN
cblr-9988	309	89	by	by	ADP
cblr-9988	309	90	matching	match	VERB
cblr-9988	309	91	borrowers	borrower	NOUN
cblr-9988	309	92	with	with	ADP
cblr-9988	309	93	lenders.97	lenders.97	NOUN
cblr-9988	309	94	investors	investor	NOUN
cblr-9988	309	95	are	be	AUX
cblr-9988	309	96	given	give	VERB
cblr-9988	309	97	information	information	NOUN
cblr-9988	309	98	about	about	ADP
cblr-9988	309	99	loans	loan	NOUN
cblr-9988	309	100	which	which	PRON
cblr-9988	309	101	they	they	PRON
cblr-9988	309	102	can	can	AUX
cblr-9988	309	103	fund	fund	VERB
cblr-9988	309	104	.	.	PUNCT
cblr-9988	310	1	investors	investor	NOUN
cblr-9988	310	2	either	either	CCONJ
cblr-9988	310	3	select	select	VERB
cblr-9988	310	4	which	which	DET
cblr-9988	310	5	loans	loan	NOUN
cblr-9988	310	6	to	to	ADP
cblr-9988	310	7	fund	fund	NOUN
cblr-9988	310	8	,	,	PUNCT
cblr-9988	310	9	or	or	CCONJ
cblr-9988	310	10	the	the	DET
cblr-9988	310	11	platform	platform	NOUN
cblr-9988	310	12	can	can	AUX
cblr-9988	310	13	automatically	automatically	ADV
cblr-9988	310	14	assign	assign	VERB
cblr-9988	310	15	loans	loan	NOUN
cblr-9988	310	16	to	to	ADP
cblr-9988	310	17	them	they	PRON
cblr-9988	310	18	based	base	VERB
cblr-9988	310	19	on	on	ADP
cblr-9988	310	20	their	their	PRON
cblr-9988	310	21	preselected	preselecte	VERB
cblr-9988	310	22	criteria.98	criteria.98	PRON
cblr-9988	310	23	online	online	ADJ
cblr-9988	310	24	balance	balance	NOUN
cblr-9988	310	25	sheet	sheet	NOUN
cblr-9988	310	26	lenders	lender	NOUN
cblr-9988	310	27	,	,	PUNCT
cblr-9988	310	28	on	on	ADP
cblr-9988	310	29	the	the	DET
cblr-9988	310	30	other	other	ADJ
cblr-9988	310	31	hand	hand	NOUN
cblr-9988	310	32	,	,	PUNCT
cblr-9988	310	33	have	have	VERB
cblr-9988	310	34	a	a	DET
cblr-9988	310	35	variety	variety	NOUN
cblr-9988	310	36	of	of	ADP
cblr-9988	310	37	funding	funding	NOUN
cblr-9988	310	38	sources	source	NOUN
cblr-9988	310	39	.	.	PUNCT
cblr-9988	311	1	ondeck	ondeck	PROPN
cblr-9988	311	2	capital	capital	NOUN
cblr-9988	311	3	,	,	PUNCT
cblr-9988	311	4	which	which	PRON
cblr-9988	311	5	offers	offer	VERB
cblr-9988	311	6	short	short	ADJ
cblr-9988	311	7	-	-	PUNCT
cblr-9988	311	8	term	term	NOUN
cblr-9988	311	9	loans	loan	NOUN
cblr-9988	311	10	and	and	CCONJ
cblr-9988	311	11	lines	line	NOUN
cblr-9988	311	12	of	of	ADP
cblr-9988	311	13	credit	credit	NOUN
cblr-9988	311	14	,	,	PUNCT
cblr-9988	311	15	originates	originate	VERB
cblr-9988	311	16	loans	loan	NOUN
cblr-9988	311	17	using	use	VERB
cblr-9988	311	18	funding	funding	NOUN
cblr-9988	311	19	from	from	ADP
cblr-9988	311	20	committed	committed	ADJ
cblr-9988	311	21	debt	debt	NOUN
cblr-9988	311	22	facilities	facility	NOUN
cblr-9988	311	23	and	and	CCONJ
cblr-9988	311	24	securitization	securitization	NOUN
cblr-9988	311	25	facilities.99	facilities.99	NOUN
cblr-9988	311	26	in	in	ADP
cblr-9988	311	27	contrast	contrast	NOUN
cblr-9988	311	28	,	,	PUNCT
cblr-9988	311	29	kabbage	kabbage	NOUN
cblr-9988	311	30	offers	offer	VERB
cblr-9988	311	31	merchant	merchant	NOUN
cblr-9988	311	32	cash	cash	NOUN
cblr-9988	311	33	advance	advance	NOUN
cblr-9988	311	34	loans	loan	NOUN
cblr-9988	311	35	,	,	PUNCT
cblr-9988	311	36	providing	provide	VERB
cblr-9988	311	37	working	work	VERB
cblr-9988	311	38	capital	capital	NOUN
cblr-9988	311	39	to	to	ADP
cblr-9988	311	40	businesses	business	NOUN
cblr-9988	311	41	in	in	ADP
cblr-9988	311	42	exchange	exchange	NOUN
cblr-9988	311	43	for	for	ADP
cblr-9988	311	44	a	a	DET
cblr-9988	311	45	percentage	percentage	NOUN
cblr-9988	311	46	of	of	ADP
cblr-9988	311	47	the	the	DET
cblr-9988	311	48	businesses	business	NOUN
cblr-9988	311	49	’	'	PUNCT
cblr-9988	311	50	future	future	ADJ
cblr-9988	311	51	receivables.100	receivables.100	PROPN
cblr-9988	311	52	95	95	NUM
cblr-9988	312	1	i	i	PRON
cblr-9988	312	2	d.	d.	PROPN
cblr-9988	312	3	at	at	ADP
cblr-9988	312	4	54–55	54–55	NUM
cblr-9988	312	5	.	.	PUNCT
cblr-9988	313	1	96	96	NUM
cblr-9988	314	1	i	i	PRON
cblr-9988	314	2	d.	d.	PROPN
cblr-9988	314	3	at	at	ADP
cblr-9988	314	4	71–72	71–72	NUM
cblr-9988	314	5	.	.	PUNCT
cblr-9988	315	1	97	97	NUM
cblr-9988	315	2	mills	mill	NOUN
cblr-9988	315	3	&	&	CCONJ
cblr-9988	315	4	mccarthy	mccarthy	PROPN
cblr-9988	315	5	,	,	PUNCT
cblr-9988	315	6	supra	supra	PROPN
cblr-9988	315	7	note	note	NOUN
cblr-9988	315	8	6	6	NUM
cblr-9988	315	9	,	,	PUNCT
cblr-9988	315	10	at	at	ADP
cblr-9988	315	11	54–55	54–55	NUM
cblr-9988	315	12	.	.	PUNCT
cblr-9988	316	1	98	98	NUM
cblr-9988	316	2	see	see	VERB
cblr-9988	316	3	,	,	PUNCT
cblr-9988	316	4	e.g.	e.g.	ADV
cblr-9988	316	5	,	,	PUNCT
cblr-9988	316	6	lendingclub	lendingclub	PROPN
cblr-9988	316	7	corp	corp	PROPN
cblr-9988	316	8	.	.	PROPN
cblr-9988	316	9	,	,	PUNCT
cblr-9988	316	10	registration	registration	NOUN
cblr-9988	316	11	statement	statement	NOUN
cblr-9988	316	12	(	(	PUNCT
cblr-9988	316	13	form	form	NOUN
cblr-9988	316	14	s-3	s-3	NUM
cblr-9988	316	15	)	)	PUNCT
cblr-9988	316	16	,	,	PUNCT
cblr-9988	316	17	41	41	NUM
cblr-9988	316	18	,	,	PUNCT
cblr-9988	316	19	49	49	NUM
cblr-9988	316	20	(	(	PUNCT
cblr-9988	316	21	aug	aug	PROPN
cblr-9988	316	22	.	.	PROPN
cblr-9988	316	23	9	9	NUM
cblr-9988	316	24	,	,	PUNCT
cblr-9988	316	25	2019	2019	NUM
cblr-9988	316	26	)	)	PUNCT
cblr-9988	316	27	(	(	PUNCT
cblr-9988	316	28	describing	describe	VERB
cblr-9988	316	29	lending	lending	NOUN
cblr-9988	316	30	club	club	NOUN
cblr-9988	316	31	’s	’s	PART
cblr-9988	316	32	business	business	NOUN
cblr-9988	316	33	model	model	NOUN
cblr-9988	316	34	for	for	ADP
cblr-9988	316	35	its	its	PRON
cblr-9988	316	36	standard	standard	ADJ
cblr-9988	316	37	program	program	NOUN
cblr-9988	316	38	loans	loan	NOUN
cblr-9988	316	39	)	)	PUNCT
cblr-9988	316	40	.	.	PUNCT
cblr-9988	317	1	99	99	NUM
cblr-9988	317	2	on	on	ADP
cblr-9988	317	3	deck	deck	PROPN
cblr-9988	317	4	capital	capital	PROPN
cblr-9988	317	5	,	,	PUNCT
cblr-9988	317	6	inc	inc	PROPN
cblr-9988	317	7	.	.	PROPN
cblr-9988	317	8	,	,	PUNCT
cblr-9988	317	9	annual	annual	ADJ
cblr-9988	317	10	report	report	NOUN
cblr-9988	317	11	(	(	PUNCT
cblr-9988	317	12	form	form	NOUN
cblr-9988	317	13	10	10	NUM
cblr-9988	317	14	-	-	PUNCT
cblr-9988	317	15	k	k	NOUN
cblr-9988	317	16	)	)	PUNCT
cblr-9988	317	17	(	(	PUNCT
cblr-9988	317	18	mar	mar	PROPN
cblr-9988	317	19	.	.	PROPN
cblr-9988	317	20	2	2	NUM
cblr-9988	317	21	,	,	PUNCT
cblr-9988	317	22	2018	2018	NUM
cblr-9988	317	23	)	)	PUNCT
cblr-9988	317	24	.	.	PUNCT
cblr-9988	318	1	100	100	NUM
cblr-9988	318	2	kbra	kbra	NOUN
cblr-9988	318	3	assigns	assign	NOUN
cblr-9988	318	4	preliminary	preliminary	ADJ
cblr-9988	318	5	ratings	rating	NOUN
cblr-9988	318	6	to	to	PART
cblr-9988	318	7	kabbage	kabbage	VERB
cblr-9988	318	8	asset	asset	NOUN
cblr-9988	318	9	securitization	securitization	NOUN
cblr-9988	318	10	llc	llc	PROPN
cblr-9988	318	11	,	,	PUNCT
cblr-9988	318	12	series	series	NOUN
cblr-9988	318	13	2019	2019	NUM
cblr-9988	318	14	-	-	SYM
cblr-9988	318	15	1	1	NUM
cblr-9988	318	16	additional	additional	ADJ
cblr-9988	318	17	notes	note	NOUN
cblr-9988	318	18	,	,	PUNCT
cblr-9988	318	19	bus	bus	NOUN
cblr-9988	318	20	.	.	PUNCT
cblr-9988	318	21	wire	wire	PROPN
cblr-9988	319	1	(	(	PUNCT
cblr-9988	319	2	nov	nov	PROPN
cblr-9988	319	3	.	.	PROPN
cblr-9988	319	4	12	12	NUM
cblr-9988	319	5	,	,	PUNCT
cblr-9988	319	6	2019	2019	NUM
cblr-9988	319	7	,	,	PUNCT
cblr-9988	319	8	2:49	2:49	NUM
cblr-9988	319	9	pm	pm	NOUN
cblr-9988	319	10	)	)	PUNCT
cblr-9988	319	11	,	,	PUNCT
cblr-9988	319	12	https://www.businesswire.com/news/home/20191112005999/en/kbraassigns-preliminary-ratings-to-kabbage-asset-securitization-llc-series2019-1-additional-notes	https://www.businesswire.com/news/home/20191112005999/en/kbraassigns-preliminary-ratings-to-kabbage-asset-securitization-llc-series2019-1-additional-note	VERB
cblr-9988	320	1	[	[	X
cblr-9988	320	2	https://perma.cc/x4y6-8696	https://perma.cc/x4y6-8696	X
cblr-9988	320	3	]	]	X
cblr-9988	320	4	;	;	PUNCT
cblr-9988	320	5	working	work	VERB
cblr-9988	320	6	capital	capital	NOUN
cblr-9988	320	7	loans	loan	NOUN
cblr-9988	320	8	,	,	PUNCT
cblr-9988	320	9	kabbage	kabbage	NOUN
cblr-9988	320	10	,	,	PUNCT
cblr-9988	320	11	https://www.kabbage.com/working-capital	https://www.kabbage.com/working-capital	ADJ
cblr-9988	320	12	(	(	PUNCT
cblr-9988	320	13	on	on	ADP
cblr-9988	320	14	file	file	NOUN
cblr-9988	320	15	with	with	ADP
cblr-9988	320	16	the	the	DET
cblr-9988	320	17	columbia	columbia	PROPN
cblr-9988	320	18	business	business	PROPN
cblr-9988	320	19	law	law	PROPN
cblr-9988	320	20	review	review	PROPN
cblr-9988	320	21	)	)	PUNCT
cblr-9988	320	22	(	(	PUNCT
cblr-9988	320	23	last	last	ADJ
cblr-9988	320	24	visited	visit	VERB
cblr-9988	320	25	apr	apr	NOUN
cblr-9988	320	26	.	.	PROPN
cblr-9988	320	27	25	25	NUM
cblr-9988	320	28	,	,	PUNCT
cblr-9988	320	29	2022	2022	NUM
cblr-9988	320	30	)	)	PUNCT
cblr-9988	320	31	.	.	PUNCT
cblr-9988	321	1	no	no	INTJ
cblr-9988	321	2	.	.	PUNCT
cblr-9988	322	1	1:621	1:621	NUM
cblr-9988	322	2	]	]	X
cblr-9988	322	3	expand	expand	VERB
cblr-9988	322	4	online	online	ADJ
cblr-9988	322	5	lending	lending	NOUN
cblr-9988	322	6	to	to	ADP
cblr-9988	322	7	minority	minority	NOUN
cblr-9988	322	8	business	business	NOUN
cblr-9988	322	9	owners	owner	NOUN
cblr-9988	322	10	641	641	NUM
cblr-9988	322	11	online	online	ADJ
cblr-9988	322	12	lenders	lender	NOUN
cblr-9988	322	13	differ	differ	VERB
cblr-9988	322	14	from	from	ADP
cblr-9988	322	15	banks	bank	NOUN
cblr-9988	322	16	in	in	ADP
cblr-9988	322	17	that	that	SCONJ
cblr-9988	322	18	they	they	PRON
cblr-9988	322	19	do	do	AUX
cblr-9988	322	20	not	not	PART
cblr-9988	322	21	take	take	VERB
cblr-9988	322	22	deposits	deposit	NOUN
cblr-9988	322	23	or	or	CCONJ
cblr-9988	322	24	originate	originate	VERB
cblr-9988	322	25	loans	loan	NOUN
cblr-9988	322	26	themselves,101	themselves,101	PRON
cblr-9988	322	27	exempting	exempt	VERB
cblr-9988	322	28	them	they	PRON
cblr-9988	322	29	from	from	ADP
cblr-9988	322	30	state	state	NOUN
cblr-9988	322	31	-	-	PUNCT
cblr-9988	322	32	level	level	NOUN
cblr-9988	322	33	licensing	licensing	NOUN
cblr-9988	322	34	requirements	requirement	NOUN
cblr-9988	322	35	for	for	ADP
cblr-9988	322	36	loan	loan	NOUN
cblr-9988	322	37	origination.102	origination.102	NUM
cblr-9988	322	38	marketplace	marketplace	NOUN
cblr-9988	322	39	platforms	platform	NOUN
cblr-9988	322	40	generally	generally	ADV
cblr-9988	322	41	issue	issue	VERB
cblr-9988	322	42	a	a	DET
cblr-9988	322	43	series	series	NOUN
cblr-9988	322	44	of	of	ADP
cblr-9988	322	45	notes	note	NOUN
cblr-9988	322	46	for	for	ADP
cblr-9988	322	47	a	a	DET
cblr-9988	322	48	loan	loan	NOUN
cblr-9988	322	49	.	.	PUNCT
cblr-9988	323	1	a	a	DET
cblr-9988	323	2	bank	bank	NOUN
cblr-9988	323	3	will	will	AUX
cblr-9988	323	4	originate	originate	VERB
cblr-9988	323	5	and	and	CCONJ
cblr-9988	323	6	disburse	disburse	VERB
cblr-9988	323	7	that	that	DET
cblr-9988	323	8	loan	loan	NOUN
cblr-9988	323	9	to	to	ADP
cblr-9988	323	10	the	the	DET
cblr-9988	323	11	borrowers	borrower	NOUN
cblr-9988	323	12	,	,	PUNCT
cblr-9988	323	13	then	then	ADV
cblr-9988	323	14	sell	sell	VERB
cblr-9988	323	15	it	it	PRON
cblr-9988	323	16	to	to	ADP
cblr-9988	323	17	the	the	DET
cblr-9988	323	18	marketplace	marketplace	NOUN
cblr-9988	323	19	platform	platform	NOUN
cblr-9988	323	20	in	in	ADP
cblr-9988	323	21	exchange	exchange	NOUN
cblr-9988	323	22	for	for	ADP
cblr-9988	323	23	the	the	DET
cblr-9988	323	24	principal	principal	ADJ
cblr-9988	323	25	amount	amount	NOUN
cblr-9988	323	26	received	receive	VERB
cblr-9988	323	27	from	from	ADP
cblr-9988	323	28	the	the	DET
cblr-9988	323	29	sale	sale	NOUN
cblr-9988	323	30	of	of	ADP
cblr-9988	323	31	the	the	DET
cblr-9988	323	32	issued	issue	VERB
cblr-9988	323	33	notes	note	NOUN
cblr-9988	323	34	in	in	ADP
cblr-9988	323	35	connection	connection	NOUN
cblr-9988	323	36	to	to	ADP
cblr-9988	323	37	the	the	DET
cblr-9988	323	38	disbursed	disburse	VERB
cblr-9988	323	39	loan.103	loan.103	PROPN
cblr-9988	323	40	such	such	ADJ
cblr-9988	323	41	companies	company	NOUN
cblr-9988	323	42	can	can	AUX
cblr-9988	323	43	provide	provide	VERB
cblr-9988	323	44	services	service	NOUN
cblr-9988	323	45	beyond	beyond	ADP
cblr-9988	323	46	loans	loan	NOUN
cblr-9988	323	47	.	.	PUNCT
cblr-9988	324	1	kabbage	kabbage	NOUN
cblr-9988	324	2	,	,	PUNCT
cblr-9988	324	3	for	for	ADP
cblr-9988	324	4	example	example	NOUN
cblr-9988	324	5	,	,	PUNCT
cblr-9988	324	6	offers	offer	VERB
cblr-9988	324	7	a	a	DET
cblr-9988	324	8	payments	payment	NOUN
cblr-9988	324	9	service	service	NOUN
cblr-9988	324	10	on	on	ADP
cblr-9988	324	11	its	its	PRON
cblr-9988	324	12	platform	platform	NOUN
cblr-9988	324	13	along	along	ADV
cblr-9988	324	14	with	with	ADP
cblr-9988	324	15	checking	check	VERB
cblr-9988	324	16	accounts	account	NOUN
cblr-9988	324	17	and	and	CCONJ
cblr-9988	324	18	a	a	DET
cblr-9988	324	19	dashboard	dashboard	NOUN
cblr-9988	324	20	where	where	SCONJ
cblr-9988	324	21	small	small	ADJ
cblr-9988	324	22	businesses	business	NOUN
cblr-9988	324	23	could	could	AUX
cblr-9988	324	24	monitor	monitor	VERB
cblr-9988	324	25	cash	cash	NOUN
cblr-9988	324	26	flow.104	flow.104	NOUN
cblr-9988	324	27	many	many	ADJ
cblr-9988	324	28	of	of	ADP
cblr-9988	324	29	these	these	DET
cblr-9988	324	30	lenders	lender	NOUN
cblr-9988	324	31	have	have	AUX
cblr-9988	324	32	been	be	AUX
cblr-9988	324	33	acquired	acquire	VERB
cblr-9988	324	34	or	or	CCONJ
cblr-9988	324	35	halted	halt	VERB
cblr-9988	324	36	their	their	PRON
cblr-9988	324	37	services	service	NOUN
cblr-9988	324	38	as	as	ADP
cblr-9988	324	39	a	a	DET
cblr-9988	324	40	result	result	NOUN
cblr-9988	324	41	of	of	ADP
cblr-9988	324	42	the	the	DET
cblr-9988	324	43	covid-19	covid-19	PROPN
cblr-9988	324	44	pandemic	pandemic	NOUN
cblr-9988	324	45	.	.	PUNCT
cblr-9988	325	1	lendingclub	lendingclub	NOUN
cblr-9988	325	2	has	have	AUX
cblr-9988	325	3	announced	announce	VERB
cblr-9988	325	4	it	it	PRON
cblr-9988	325	5	would	would	AUX
cblr-9988	325	6	discontinue	discontinue	VERB
cblr-9988	325	7	its	its	PRON
cblr-9988	325	8	peer	peer	NOUN
cblr-9988	325	9	-	-	PUNCT
cblr-9988	325	10	to	to	ADP
cblr-9988	325	11	-	-	PUNCT
cblr-9988	325	12	peer	peer	NOUN
cblr-9988	325	13	lending	lending	NOUN
cblr-9988	325	14	business;105	business;105	PROPN
cblr-9988	325	15	american	american	PROPN
cblr-9988	325	16	express	express	PROPN
cblr-9988	325	17	has	have	AUX
cblr-9988	325	18	acquired	acquire	VERB
cblr-9988	325	19	kabbage	kabbage	NOUN
cblr-9988	325	20	’s	’s	PART
cblr-9988	325	21	technology	technology	NOUN
cblr-9988	325	22	and	and	CCONJ
cblr-9988	325	23	teams	team	NOUN
cblr-9988	325	24	,	,	PUNCT
cblr-9988	325	25	which	which	PRON
cblr-9988	325	26	it	it	PRON
cblr-9988	325	27	plans	plan	VERB
cblr-9988	325	28	to	to	PART
cblr-9988	325	29	use	use	VERB
cblr-9988	325	30	to	to	PART
cblr-9988	325	31	make	make	VERB
cblr-9988	325	32	loans	loan	NOUN
cblr-9988	325	33	to	to	ADP
cblr-9988	325	34	small	small	ADJ
cblr-9988	325	35	101	101	NUM
cblr-9988	325	36	moran	moran	PROPN
cblr-9988	325	37	ofir	ofir	PROPN
cblr-9988	325	38	&	&	CCONJ
cblr-9988	325	39	ido	ido	PROPN
cblr-9988	325	40	sadeh	sadeh	PROPN
cblr-9988	325	41	,	,	PUNCT
cblr-9988	325	42	a	a	DET
cblr-9988	325	43	revolution	revolution	NOUN
cblr-9988	325	44	in	in	ADP
cblr-9988	325	45	progress	progress	NOUN
cblr-9988	325	46	:	:	PUNCT
cblr-9988	325	47	regulating	regulate	VERB
cblr-9988	325	48	p2p	p2p	NOUN
cblr-9988	325	49	lending	lending	NOUN
cblr-9988	325	50	platforms	platform	NOUN
cblr-9988	325	51	,	,	PUNCT
cblr-9988	325	52	16	16	NUM
cblr-9988	325	53	n.y.u	n.y.u	NOUN
cblr-9988	325	54	.	.	PUNCT
cblr-9988	326	1	j.l	j.l	PROPN
cblr-9988	326	2	.	.	PROPN
cblr-9988	326	3	&	&	CCONJ
cblr-9988	326	4	bus	bus	PROPN
cblr-9988	326	5	.	.	PUNCT
cblr-9988	327	1	683	683	NUM
cblr-9988	327	2	,	,	PUNCT
cblr-9988	327	3	695	695	NUM
cblr-9988	327	4	(	(	PUNCT
cblr-9988	327	5	2020	2020	NUM
cblr-9988	327	6	)	)	PUNCT
cblr-9988	327	7	;	;	PUNCT
cblr-9988	327	8	see	see	VERB
cblr-9988	327	9	also	also	ADV
cblr-9988	327	10	lendingclub	lendingclub	PROPN
cblr-9988	327	11	corp	corp	PROPN
cblr-9988	327	12	.	.	PROPN
cblr-9988	327	13	,	,	PUNCT
cblr-9988	327	14	registration	registration	NOUN
cblr-9988	327	15	statement	statement	NOUN
cblr-9988	327	16	(	(	PUNCT
cblr-9988	327	17	form	form	NOUN
cblr-9988	327	18	s-3	s-3	NUM
cblr-9988	327	19	)	)	PUNCT
cblr-9988	327	20	,	,	PUNCT
cblr-9988	327	21	41	41	NUM
cblr-9988	327	22	,	,	PUNCT
cblr-9988	327	23	56	56	NUM
cblr-9988	327	24	(	(	PUNCT
cblr-9988	327	25	aug	aug	PROPN
cblr-9988	327	26	.	.	PROPN
cblr-9988	327	27	9	9	NUM
cblr-9988	327	28	,	,	PUNCT
cblr-9988	327	29	2019	2019	NUM
cblr-9988	327	30	)	)	PUNCT
cblr-9988	327	31	.	.	PUNCT
cblr-9988	328	1	lendingclub	lendingclub	NOUN
cblr-9988	328	2	’s	’s	PART
cblr-9988	328	3	small	small	ADJ
cblr-9988	328	4	business	business	NOUN
cblr-9988	328	5	loans	loan	NOUN
cblr-9988	328	6	are	be	AUX
cblr-9988	328	7	offered	offer	VERB
cblr-9988	328	8	under	under	ADP
cblr-9988	328	9	its	its	PRON
cblr-9988	328	10	custom	custom	NOUN
cblr-9988	328	11	program	program	NOUN
cblr-9988	328	12	loans	loan	NOUN
cblr-9988	328	13	.	.	PUNCT
cblr-9988	329	1	i	i	PRON
cblr-9988	329	2	d.	d.	PROPN
cblr-9988	329	3	lendingclub	lendingclub	PROPN
cblr-9988	329	4	does	do	AUX
cblr-9988	329	5	not	not	PART
cblr-9988	329	6	issue	issue	VERB
cblr-9988	329	7	notes	note	NOUN
cblr-9988	329	8	for	for	ADP
cblr-9988	329	9	loans	loan	NOUN
cblr-9988	329	10	through	through	ADP
cblr-9988	329	11	the	the	DET
cblr-9988	329	12	custom	custom	NOUN
cblr-9988	329	13	program	program	NOUN
cblr-9988	329	14	;	;	PUNCT
cblr-9988	329	15	these	these	PRON
cblr-9988	329	16	are	be	AUX
cblr-9988	329	17	only	only	ADV
cblr-9988	329	18	available	available	ADJ
cblr-9988	329	19	through	through	ADP
cblr-9988	329	20	private	private	ADJ
cblr-9988	329	21	transactions	transaction	NOUN
cblr-9988	329	22	with	with	ADP
cblr-9988	329	23	accredited	accredited	ADJ
cblr-9988	329	24	investors	investor	NOUN
cblr-9988	329	25	.	.	PUNCT
cblr-9988	330	1	i	i	PRON
cblr-9988	330	2	d.	d.	PROPN
cblr-9988	330	3	102	102	NUM
cblr-9988	330	4	lendingclub	lendingclub	PROPN
cblr-9988	330	5	corp	corp	PROPN
cblr-9988	330	6	.	.	PROPN
cblr-9988	330	7	,	,	PUNCT
cblr-9988	330	8	registration	registration	NOUN
cblr-9988	330	9	statement	statement	NOUN
cblr-9988	330	10	(	(	PUNCT
cblr-9988	330	11	form	form	NOUN
cblr-9988	330	12	s-3	s-3	NUM
cblr-9988	330	13	)	)	PUNCT
cblr-9988	330	14	,	,	PUNCT
cblr-9988	330	15	61	61	NUM
cblr-9988	330	16	(	(	PUNCT
cblr-9988	330	17	aug	aug	PROPN
cblr-9988	330	18	.	.	PROPN
cblr-9988	330	19	9	9	NUM
cblr-9988	330	20	,	,	PUNCT
cblr-9988	330	21	2019	2019	NUM
cblr-9988	330	22	)	)	PUNCT
cblr-9988	330	23	.	.	PUNCT
cblr-9988	331	1	such	such	ADJ
cblr-9988	331	2	platforms	platform	NOUN
cblr-9988	331	3	may	may	AUX
cblr-9988	331	4	require	require	VERB
cblr-9988	331	5	licenses	license	NOUN
cblr-9988	331	6	to	to	ADP
cblr-9988	331	7	broker	broker	VERB
cblr-9988	331	8	,	,	PUNCT
cblr-9988	331	9	acquire	acquire	NOUN
cblr-9988	331	10	,	,	PUNCT
cblr-9988	331	11	service	service	NOUN
cblr-9988	331	12	,	,	PUNCT
cblr-9988	331	13	and	and	CCONJ
cblr-9988	331	14	enforce	enforce	VERB
cblr-9988	331	15	loans	loan	NOUN
cblr-9988	331	16	,	,	PUNCT
cblr-9988	331	17	however	however	ADV
cblr-9988	331	18	.	.	PUNCT
cblr-9988	332	1	i	i	PRON
cblr-9988	332	2	d.	d.	PROPN
cblr-9988	332	3	103	103	NUM
cblr-9988	332	4	ofir	ofir	PROPN
cblr-9988	332	5	&	&	CCONJ
cblr-9988	332	6	sadeh	sadeh	PROPN
cblr-9988	332	7	,	,	PUNCT
cblr-9988	332	8	supra	supra	PROPN
cblr-9988	332	9	note	note	NOUN
cblr-9988	332	10	101	101	NUM
cblr-9988	332	11	,	,	PUNCT
cblr-9988	332	12	at	at	ADP
cblr-9988	332	13	695	695	NUM
cblr-9988	332	14	.	.	PUNCT
cblr-9988	333	1	platforms	platform	NOUN
cblr-9988	333	2	may	may	AUX
cblr-9988	333	3	seek	seek	VERB
cblr-9988	333	4	to	to	PART
cblr-9988	333	5	help	help	VERB
cblr-9988	333	6	lenders	lender	NOUN
cblr-9988	333	7	mitigate	mitigate	VERB
cblr-9988	333	8	this	this	DET
cblr-9988	333	9	risk	risk	NOUN
cblr-9988	333	10	by	by	ADP
cblr-9988	333	11	offering	offer	VERB
cblr-9988	333	12	auto	auto	NOUN
cblr-9988	333	13	-	-	PUNCT
cblr-9988	333	14	investment	investment	NOUN
cblr-9988	333	15	tools	tool	NOUN
cblr-9988	333	16	that	that	PRON
cblr-9988	333	17	allow	allow	VERB
cblr-9988	333	18	lenders	lender	NOUN
cblr-9988	333	19	to	to	PART
cblr-9988	333	20	diversify	diversify	VERB
cblr-9988	333	21	their	their	PRON
cblr-9988	333	22	portfolios	portfolio	NOUN
cblr-9988	333	23	as	as	ADV
cblr-9988	333	24	well	well	ADV
cblr-9988	333	25	as	as	ADP
cblr-9988	333	26	contingency	contingency	NOUN
cblr-9988	333	27	funds	fund	NOUN
cblr-9988	333	28	that	that	PRON
cblr-9988	333	29	cover	cover	VERB
cblr-9988	333	30	losses	loss	NOUN
cblr-9988	333	31	if	if	SCONJ
cblr-9988	333	32	a	a	DET
cblr-9988	333	33	borrower	borrower	NOUN
cblr-9988	333	34	defaults	default	VERB
cblr-9988	333	35	.	.	PUNCT
cblr-9988	334	1	see	see	VERB
cblr-9988	334	2	i	i	PRON
cblr-9988	334	3	d.	d.	PROPN
cblr-9988	334	4	at	at	ADP
cblr-9988	334	5	698	698	NUM
cblr-9988	334	6	.	.	PUNCT
cblr-9988	335	1	104	104	NUM
cblr-9988	335	2	penny	penny	NOUN
cblr-9988	335	3	crosman	crosman	NOUN
cblr-9988	335	4	,	,	PUNCT
cblr-9988	335	5	why	why	SCONJ
cblr-9988	335	6	amex	amex	PROPN
cblr-9988	335	7	is	be	AUX
cblr-9988	335	8	buying	buy	VERB
cblr-9988	335	9	kabbage	kabbage	NOUN
cblr-9988	335	10	,	,	PUNCT
cblr-9988	335	11	am	be	AUX
cblr-9988	335	12	.	.	PUNCT
cblr-9988	336	1	banker	banker	NOUN
cblr-9988	336	2	(	(	PUNCT
cblr-9988	336	3	aug	aug	PROPN
cblr-9988	336	4	.	.	PROPN
cblr-9988	336	5	18	18	NUM
cblr-9988	336	6	,	,	PUNCT
cblr-9988	336	7	2020	2020	NUM
cblr-9988	336	8	,	,	PUNCT
cblr-9988	336	9	3:35	3:35	NUM
cblr-9988	336	10	pm	pm	NOUN
cblr-9988	336	11	)	)	PUNCT
cblr-9988	336	12	,	,	PUNCT
cblr-9988	336	13	https://www.americanbanker.com/news/why-amex-isbuying-kabbage	https://www.americanbanker.com/news/why-amex-isbuying-kabbage	NOUN
cblr-9988	337	1	[	[	X
cblr-9988	337	2	https://perma.cc/lhh6-gafm	https://perma.cc/lhh6-gafm	PROPN
cblr-9988	337	3	]	]	PUNCT
cblr-9988	337	4	.	.	PUNCT
cblr-9988	338	1	105	105	NUM
cblr-9988	338	2	lending	lending	NOUN
cblr-9988	338	3	club	club	NOUN
cblr-9988	338	4	announced	announce	VERB
cblr-9988	338	5	that	that	SCONJ
cblr-9988	338	6	retail	retail	ADJ
cblr-9988	338	7	investors	investor	NOUN
cblr-9988	338	8	will	will	AUX
cblr-9988	338	9	no	no	ADV
cblr-9988	338	10	longer	long	ADV
cblr-9988	338	11	be	be	AUX
cblr-9988	338	12	able	able	ADJ
cblr-9988	338	13	to	to	PART
cblr-9988	338	14	fund	fund	VERB
cblr-9988	338	15	consumer	consumer	NOUN
cblr-9988	338	16	loans	loan	NOUN
cblr-9988	338	17	on	on	ADP
cblr-9988	338	18	its	its	PRON
cblr-9988	338	19	platform	platform	NOUN
cblr-9988	338	20	.	.	PUNCT
cblr-9988	339	1	kevin	kevin	PROPN
cblr-9988	339	2	wack	wack	PROPN
cblr-9988	339	3	,	,	PUNCT
cblr-9988	339	4	end	end	NOUN
cblr-9988	339	5	of	of	ADP
cblr-9988	339	6	an	an	DET
cblr-9988	339	7	era	era	NOUN
cblr-9988	339	8	:	:	PUNCT
cblr-9988	339	9	lending	lend	VERB
cblr-9988	339	10	club	club	NOUN
cblr-9988	339	11	to	to	PART
cblr-9988	339	12	drop	drop	VERB
cblr-9988	339	13	p2p	p2p	NOUN
cblr-9988	339	14	platform	platform	NOUN
cblr-9988	339	15	,	,	PUNCT
cblr-9988	339	16	am	be	AUX
cblr-9988	339	17	.	.	PUNCT
cblr-9988	339	18	banker	banker	PROPN
cblr-9988	339	19	(	(	PUNCT
cblr-9988	339	20	oct	oct	PROPN
cblr-9988	339	21	.	.	PROPN
cblr-9988	339	22	8	8	NUM
cblr-9988	339	23	,	,	PUNCT
cblr-9988	339	24	2020	2020	NUM
cblr-9988	339	25	,	,	PUNCT
cblr-9988	339	26	4:43	4:43	NUM
cblr-9988	339	27	pm	pm	NOUN
cblr-9988	339	28	)	)	PUNCT
cblr-9988	339	29	,	,	PUNCT
cblr-9988	340	1	https://www.americanbanker.com/news/end-of-an-era-lendingclub-to-dropp2p-platform	https://www.americanbanker.com/news/end-of-an-era-lendingclub-to-dropp2p-platform	PROPN
cblr-9988	340	2	[	[	X
cblr-9988	340	3	https://perma.cc/szg2-vspc	https://perma.cc/szg2-vspc	PROPN
cblr-9988	340	4	]	]	PUNCT
cblr-9988	340	5	.	.	PUNCT
cblr-9988	341	1	642	642	NUM
cblr-9988	341	2	columbia	columbia	PROPN
cblr-9988	341	3	business	business	NOUN
cblr-9988	341	4	law	law	PROPN
cblr-9988	341	5	review	review	NOUN
cblr-9988	341	6	[	[	X
cblr-9988	341	7	vol	vol	NOUN
cblr-9988	341	8	.	.	PUNCT
cblr-9988	342	1	2022	2022	NUM
cblr-9988	343	1	businesses;106	businesses;106	NOUN
cblr-9988	343	2	and	and	CCONJ
cblr-9988	343	3	ondeck	ondeck	NOUN
cblr-9988	343	4	capital	capital	NOUN
cblr-9988	343	5	has	have	AUX
cblr-9988	343	6	been	be	AUX
cblr-9988	343	7	acquired	acquire	VERB
cblr-9988	343	8	by	by	ADP
cblr-9988	343	9	enova	enova	NOUN
cblr-9988	343	10	,	,	PUNCT
cblr-9988	343	11	an	an	DET
cblr-9988	343	12	international	international	ADJ
cblr-9988	343	13	fintech	fintech	NOUN
cblr-9988	343	14	company.107	company.107	VERB
cblr-9988	343	15	1	1	NUM
cblr-9988	343	16	.	.	PUNCT
cblr-9988	344	1	online	online	ADJ
cblr-9988	344	2	lenders	lender	NOUN
cblr-9988	344	3	use	use	VERB
cblr-9988	344	4	their	their	PRON
cblr-9988	344	5	own	own	ADJ
cblr-9988	344	6	proprietary	proprietary	ADJ
cblr-9988	344	7	system	system	NOUN
cblr-9988	344	8	to	to	PART
cblr-9988	344	9	underwrite	underwrite	VERB
cblr-9988	344	10	loans	loan	NOUN
cblr-9988	344	11	to	to	PART
cblr-9988	344	12	underwrite	underwrite	VERB
cblr-9988	344	13	loans	loan	NOUN
cblr-9988	344	14	for	for	ADP
cblr-9988	344	15	small	small	ADJ
cblr-9988	344	16	businesses	business	NOUN
cblr-9988	344	17	,	,	PUNCT
cblr-9988	344	18	online	online	ADJ
cblr-9988	344	19	lending	lending	NOUN
cblr-9988	344	20	platforms	platform	NOUN
cblr-9988	344	21	often	often	ADV
cblr-9988	344	22	evaluate	evaluate	VERB
cblr-9988	344	23	non	non	ADJ
cblr-9988	344	24	-	-	ADJ
cblr-9988	344	25	traditional	traditional	ADJ
cblr-9988	344	26	sources	source	NOUN
cblr-9988	344	27	of	of	ADP
cblr-9988	344	28	credit	credit	NOUN
cblr-9988	344	29	information	information	NOUN
cblr-9988	344	30	,	,	PUNCT
cblr-9988	344	31	relying	rely	VERB
cblr-9988	344	32	on	on	ADP
cblr-9988	344	33	data	datum	NOUN
cblr-9988	344	34	such	such	ADJ
cblr-9988	344	35	as	as	ADP
cblr-9988	344	36	current	current	ADJ
cblr-9988	344	37	bank	bank	NOUN
cblr-9988	344	38	account	account	NOUN
cblr-9988	344	39	information	information	NOUN
cblr-9988	344	40	,	,	PUNCT
cblr-9988	344	41	sales	sale	NOUN
cblr-9988	344	42	data	datum	NOUN
cblr-9988	344	43	from	from	ADP
cblr-9988	344	44	online	online	ADJ
cblr-9988	344	45	marketplaces	marketplace	NOUN
cblr-9988	344	46	,	,	PUNCT
cblr-9988	344	47	shipping	shipping	NOUN
cblr-9988	344	48	data	datum	NOUN
cblr-9988	344	49	,	,	PUNCT
cblr-9988	344	50	and	and	CCONJ
cblr-9988	344	51	cash	cash	NOUN
cblr-9988	344	52	flow	flow	NOUN
cblr-9988	344	53	analysis.108	analysis.108	VERB
cblr-9988	344	54	kabbage	kabbage	NOUN
cblr-9988	344	55	,	,	PUNCT
cblr-9988	344	56	for	for	ADP
cblr-9988	344	57	example	example	NOUN
cblr-9988	344	58	,	,	PUNCT
cblr-9988	344	59	does	do	AUX
cblr-9988	344	60	not	not	PART
cblr-9988	344	61	require	require	VERB
cblr-9988	344	62	financial	financial	ADJ
cblr-9988	344	63	statements	statement	NOUN
cblr-9988	344	64	,	,	PUNCT
cblr-9988	344	65	lease	lease	NOUN
cblr-9988	344	66	agreements	agreement	NOUN
cblr-9988	344	67	,	,	PUNCT
cblr-9988	344	68	or	or	CCONJ
cblr-9988	344	69	tax	tax	NOUN
cblr-9988	344	70	history,109	history,109	INTJ
cblr-9988	345	1	but	but	CCONJ
cblr-9988	345	2	does	do	AUX
cblr-9988	345	3	require	require	VERB
cblr-9988	345	4	small	small	ADJ
cblr-9988	345	5	businesses	business	NOUN
cblr-9988	345	6	to	to	PART
cblr-9988	345	7	grant	grant	VERB
cblr-9988	345	8	the	the	DET
cblr-9988	345	9	company	company	NOUN
cblr-9988	345	10	access	access	NOUN
cblr-9988	345	11	to	to	ADP
cblr-9988	345	12	at	at	ADV
cblr-9988	345	13	least	least	ADJ
cblr-9988	345	14	one	one	NUM
cblr-9988	345	15	of	of	ADP
cblr-9988	345	16	their	their	PRON
cblr-9988	345	17	amazon	amazon	NOUN
cblr-9988	345	18	,	,	PUNCT
cblr-9988	345	19	ebay	ebay	PROPN
cblr-9988	345	20	,	,	PUNCT
cblr-9988	345	21	xero	xero	PROPN
cblr-9988	345	22	,	,	PUNCT
cblr-9988	345	23	and	and	CCONJ
cblr-9988	345	24	other	other	ADJ
cblr-9988	345	25	e	e	NOUN
cblr-9988	345	26	-	-	NOUN
cblr-9988	345	27	commerce	commerce	NOUN
cblr-9988	345	28	or	or	CCONJ
cblr-9988	345	29	accounting	accounting	NOUN
cblr-9988	345	30	website	website	NOUN
cblr-9988	345	31	accounts	account	VERB
cblr-9988	345	32	to	to	PART
cblr-9988	345	33	assess	assess	VERB
cblr-9988	345	34	creditworthiness.110	creditworthiness.110	NOUN
cblr-9988	345	35	platforms	platform	NOUN
cblr-9988	345	36	may	may	AUX
cblr-9988	345	37	also	also	ADV
cblr-9988	345	38	analyze	analyze	VERB
cblr-9988	345	39	social	social	ADJ
cblr-9988	345	40	media	medium	NOUN
cblr-9988	345	41	data	datum	NOUN
cblr-9988	345	42	to	to	PART
cblr-9988	345	43	project	project	VERB
cblr-9988	345	44	a	a	DET
cblr-9988	345	45	business	business	NOUN
cblr-9988	345	46	’s	’s	PART
cblr-9988	345	47	profitability	profitability	NOUN
cblr-9988	345	48	,	,	PUNCT
cblr-9988	345	49	for	for	ADP
cblr-9988	345	50	example	example	NOUN
cblr-9988	345	51	,	,	PUNCT
cblr-9988	345	52	by	by	ADP
cblr-9988	345	53	looking	look	VERB
cblr-9988	345	54	at	at	ADP
cblr-9988	345	55	a	a	DET
cblr-9988	345	56	store	store	NOUN
cblr-9988	345	57	’s	’s	PART
cblr-9988	345	58	rating	rating	NOUN
cblr-9988	345	59	on	on	ADP
cblr-9988	345	60	yelp111	yelp111	PROPN
cblr-9988	345	61	or	or	CCONJ
cblr-9988	345	62	examining	examine	VERB
cblr-9988	345	63	what	what	PRON
cblr-9988	345	64	customers	customer	NOUN
cblr-9988	345	65	say	say	VERB
cblr-9988	345	66	about	about	ADP
cblr-9988	345	67	the	the	DET
cblr-9988	345	68	business	business	NOUN
cblr-9988	345	69	on	on	ADP
cblr-9988	345	70	their	their	PRON
cblr-9988	345	71	social	social	ADJ
cblr-9988	345	72	media	medium	NOUN
cblr-9988	345	73	pages.112	pages.112	PROPN
cblr-9988	345	74	106	106	NUM
cblr-9988	345	75	crosman	crosman	NOUN
cblr-9988	345	76	,	,	PUNCT
cblr-9988	345	77	supra	supra	NOUN
cblr-9988	345	78	note	note	NOUN
cblr-9988	345	79	104	104	NUM
cblr-9988	345	80	.	.	PUNCT
cblr-9988	346	1	107	107	NUM
cblr-9988	346	2	kevin	kevin	PROPN
cblr-9988	346	3	wack	wack	PROPN
cblr-9988	346	4	,	,	PUNCT
cblr-9988	346	5	why	why	SCONJ
cblr-9988	346	6	ondeck	ondeck	NOUN
cblr-9988	346	7	is	be	AUX
cblr-9988	346	8	being	be	AUX
cblr-9988	346	9	sold	sell	VERB
cblr-9988	346	10	on	on	ADP
cblr-9988	346	11	the	the	DET
cblr-9988	346	12	cheap	cheap	ADJ
cblr-9988	346	13	,	,	PUNCT
cblr-9988	346	14	am	be	AUX
cblr-9988	346	15	.	.	PUNCT
cblr-9988	346	16	banker	banker	NOUN
cblr-9988	346	17	(	(	PUNCT
cblr-9988	346	18	july	july	PROPN
cblr-9988	346	19	29	29	NUM
cblr-9988	346	20	,	,	PUNCT
cblr-9988	346	21	2020	2020	NUM
cblr-9988	346	22	,	,	PUNCT
cblr-9988	346	23	1:42	1:42	NUM
cblr-9988	346	24	pm	pm	NOUN
cblr-9988	346	25	)	)	PUNCT
cblr-9988	346	26	,	,	PUNCT
cblr-9988	346	27	https://www.americanbanker.com/news/whyondeck-capital-is-going-for-a-fire-sale-price	https://www.americanbanker.com/news/whyondeck-capital-is-going-for-a-fire-sale-price	NOUN
cblr-9988	346	28	[	[	X
cblr-9988	346	29	https://perma.cc/4bsj-mjxt	https://perma.cc/4bsj-mjxt	X
cblr-9988	346	30	]	]	X
cblr-9988	346	31	.	.	PUNCT
cblr-9988	346	32	108	108	NUM
cblr-9988	346	33	mills	mill	NOUN
cblr-9988	346	34	&	&	CCONJ
cblr-9988	346	35	mccarthy	mccarthy	PROPN
cblr-9988	346	36	,	,	PUNCT
cblr-9988	346	37	supra	supra	PROPN
cblr-9988	346	38	note	note	NOUN
cblr-9988	346	39	6	6	NUM
cblr-9988	346	40	,	,	PUNCT
cblr-9988	346	41	at	at	ADP
cblr-9988	346	42	46	46	NUM
cblr-9988	346	43	;	;	PUNCT
cblr-9988	346	44	julapa	julapa	PROPN
cblr-9988	346	45	jagtiani	jagtiani	PROPN
cblr-9988	346	46	&	&	CCONJ
cblr-9988	346	47	catherine	catherine	PROPN
cblr-9988	346	48	lemieux	lemieux	PROPN
cblr-9988	346	49	,	,	PUNCT
cblr-9988	346	50	fintech	fintech	NOUN
cblr-9988	346	51	lending	lending	NOUN
cblr-9988	346	52	:	:	PUNCT
cblr-9988	346	53	financial	financial	ADJ
cblr-9988	346	54	inclusion	inclusion	NOUN
cblr-9988	346	55	,	,	PUNCT
cblr-9988	346	56	risk	risk	NOUN
cblr-9988	346	57	pricing	pricing	NOUN
cblr-9988	346	58	,	,	PUNCT
cblr-9988	346	59	and	and	CCONJ
cblr-9988	346	60	alternative	alternative	ADJ
cblr-9988	346	61	information	information	NOUN
cblr-9988	346	62	30	30	NUM
cblr-9988	346	63	(	(	PUNCT
cblr-9988	346	64	fed	fed	PROPN
cblr-9988	346	65	.	.	PUNCT
cblr-9988	346	66	rsrv	rsrv	PROPN
cblr-9988	346	67	.	.	PUNCT
cblr-9988	347	1	bank	bank	PROPN
cblr-9988	347	2	of	of	ADP
cblr-9988	347	3	phila	phila	PROPN
cblr-9988	347	4	.	.	PUNCT
cblr-9988	348	1	,	,	PUNCT
cblr-9988	348	2	working	work	VERB
cblr-9988	348	3	paper	paper	NOUN
cblr-9988	348	4	no	no	INTJ
cblr-9988	348	5	.	.	PROPN
cblr-9988	348	6	17	17	NUM
cblr-9988	348	7	-	-	SYM
cblr-9988	348	8	17	17	NUM
cblr-9988	348	9	,	,	PUNCT
cblr-9988	348	10	2017	2017	NUM
cblr-9988	348	11	)	)	PUNCT
cblr-9988	348	12	,	,	PUNCT
cblr-9988	348	13	https://www.fdic.gov/analysis/cfr/bank-researchconference/annual-17th/papers/14-jagtiani.pdf	https://www.fdic.gov/analysis/cfr/bank-researchconference/annual-17th/papers/14-jagtiani.pdf	NOUN
cblr-9988	349	1	[	[	X
cblr-9988	349	2	https://perma.cc/9ntkh3jd	https://perma.cc/9ntkh3jd	NOUN
cblr-9988	349	3	]	]	X
cblr-9988	349	4	.	.	PUNCT
cblr-9988	350	1	109	109	NUM
cblr-9988	350	2	geri	geri	PROPN
cblr-9988	350	3	stengel	stengel	NOUN
cblr-9988	350	4	,	,	PUNCT
cblr-9988	350	5	kabbage	kabbage	PROPN
cblr-9988	350	6	:	:	PUNCT
cblr-9988	350	7	the	the	DET
cblr-9988	350	8	care	care	NOUN
cblr-9988	350	9	and	and	CCONJ
cblr-9988	350	10	feeding	feeding	NOUN
cblr-9988	350	11	of	of	ADP
cblr-9988	350	12	a	a	DET
cblr-9988	350	13	fintech	fintech	NOUN
cblr-9988	350	14	unicorn	unicorn	NOUN
cblr-9988	350	15	,	,	PUNCT
cblr-9988	350	16	forbes	forbes	X
cblr-9988	350	17	(	(	PUNCT
cblr-9988	350	18	oct	oct	PROPN
cblr-9988	350	19	.	.	PROPN
cblr-9988	350	20	30	30	NUM
cblr-9988	350	21	,	,	PUNCT
cblr-9988	350	22	2019	2019	NUM
cblr-9988	350	23	,	,	PUNCT
cblr-9988	350	24	7:00	7:00	NUM
cblr-9988	350	25	am	am	NOUN
cblr-9988	350	26	)	)	PUNCT
cblr-9988	350	27	,	,	PUNCT
cblr-9988	350	28	https://www.forbes.com/sites/geristengel/2019/10/30/kabbage-the-care-andfeeding-of-a-fintech-unicorn	https://www.forbes.com/sites/geristengel/2019/10/30/kabbage-the-care-andfeeding-of-a-fintech-unicorn	PUNCT
cblr-9988	350	29	[	[	X
cblr-9988	350	30	https://perma.cc/r253-7mv2	https://perma.cc/r253-7mv2	X
cblr-9988	350	31	]	]	X
cblr-9988	350	32	.	.	PUNCT
cblr-9988	351	1	110	110	NUM
cblr-9988	351	2	stephanie	stephanie	NOUN
cblr-9988	351	3	armour	armour	NOUN
cblr-9988	351	4	,	,	PUNCT
cblr-9988	351	5	borrowers	borrower	NOUN
cblr-9988	351	6	hit	hit	VERB
cblr-9988	351	7	social	social	ADJ
cblr-9988	351	8	-	-	PUNCT
cblr-9988	351	9	media	medium	NOUN
cblr-9988	351	10	hurdles	hurdle	NOUN
cblr-9988	351	11	;	;	PUNCT
cblr-9988	351	12	regulators	regulator	NOUN
cblr-9988	351	13	have	have	VERB
cblr-9988	351	14	concerns	concern	NOUN
cblr-9988	351	15	about	about	ADP
cblr-9988	351	16	lenders	lender	NOUN
cblr-9988	351	17	’	'	PUNCT
cblr-9988	351	18	use	use	NOUN
cblr-9988	351	19	of	of	ADP
cblr-9988	351	20	facebook	facebook	NOUN
cblr-9988	351	21	,	,	PUNCT
cblr-9988	351	22	other	other	ADJ
cblr-9988	351	23	sites	site	NOUN
cblr-9988	351	24	,	,	PUNCT
cblr-9988	351	25	wall	wall	PROPN
cblr-9988	351	26	st	st	PROPN
cblr-9988	351	27	.	.	PROPN
cblr-9988	351	28	j.	j.	PROPN
cblr-9988	352	1	(	(	PUNCT
cblr-9988	352	2	jan	jan	PROPN
cblr-9988	352	3	.	.	PROPN
cblr-9988	352	4	8	8	NUM
cblr-9988	352	5	,	,	PUNCT
cblr-9988	352	6	2014	2014	NUM
cblr-9988	352	7	,	,	PUNCT
cblr-9988	352	8	5:51	5:51	NUM
cblr-9988	352	9	pm	pm	NOUN
cblr-9988	352	10	)	)	PUNCT
cblr-9988	352	11	,	,	PUNCT
cblr-9988	352	12	https://www.wsj.com/articles/borrowers-hit-socialmedia-hurdles1389224469	https://www.wsj.com/articles/borrowers-hit-socialmedia-hurdles1389224469	X
cblr-9988	352	13	(	(	PUNCT
cblr-9988	352	14	on	on	ADP
cblr-9988	352	15	file	file	NOUN
cblr-9988	352	16	with	with	ADP
cblr-9988	352	17	the	the	DET
cblr-9988	352	18	columbia	columbia	PROPN
cblr-9988	352	19	business	business	PROPN
cblr-9988	352	20	law	law	PROPN
cblr-9988	352	21	review	review	PROPN
cblr-9988	352	22	)	)	PUNCT
cblr-9988	352	23	.	.	PUNCT
cblr-9988	353	1	111	111	NUM
cblr-9988	353	2	jagtiani	jagtiani	NOUN
cblr-9988	353	3	,	,	PUNCT
cblr-9988	353	4	supra	supra	PROPN
cblr-9988	353	5	note	note	PROPN
cblr-9988	353	6	108	108	NUM
cblr-9988	353	7	,	,	PUNCT
cblr-9988	353	8	at	at	ADP
cblr-9988	353	9	8	8	NUM
cblr-9988	353	10	.	.	SYM
cblr-9988	353	11	112	112	NUM
cblr-9988	353	12	armour	armour	NOUN
cblr-9988	353	13	,	,	PUNCT
cblr-9988	353	14	supra	supra	PROPN
cblr-9988	353	15	note	note	NOUN
cblr-9988	353	16	110	110	NUM
cblr-9988	353	17	.	.	PUNCT
cblr-9988	354	1	no	no	INTJ
cblr-9988	354	2	.	.	PUNCT
cblr-9988	355	1	1:621	1:621	NUM
cblr-9988	355	2	]	]	X
cblr-9988	355	3	expand	expand	VERB
cblr-9988	355	4	online	online	ADJ
cblr-9988	355	5	lending	lending	NOUN
cblr-9988	355	6	to	to	ADP
cblr-9988	355	7	minority	minority	NOUN
cblr-9988	355	8	business	business	NOUN
cblr-9988	355	9	owners	owner	NOUN
cblr-9988	355	10	643	643	NUM
cblr-9988	355	11	the	the	DET
cblr-9988	355	12	non	non	ADJ
cblr-9988	355	13	-	-	ADJ
cblr-9988	355	14	traditional	traditional	ADJ
cblr-9988	355	15	credit	credit	NOUN
cblr-9988	355	16	data	datum	NOUN
cblr-9988	355	17	online	online	ADJ
cblr-9988	355	18	lenders	lender	NOUN
cblr-9988	355	19	use	use	VERB
cblr-9988	355	20	plays	play	VERB
cblr-9988	355	21	an	an	DET
cblr-9988	355	22	important	important	ADJ
cblr-9988	355	23	role	role	NOUN
cblr-9988	355	24	in	in	ADP
cblr-9988	355	25	assessing	assess	VERB
cblr-9988	355	26	a	a	DET
cblr-9988	355	27	prospective	prospective	ADJ
cblr-9988	355	28	borrower	borrower	NOUN
cblr-9988	355	29	’s	’s	PART
cblr-9988	355	30	creditworthiness	creditworthiness	NOUN
cblr-9988	355	31	.	.	PUNCT
cblr-9988	356	1	lending	lending	NOUN
cblr-9988	356	2	club	club	NOUN
cblr-9988	356	3	assigns	assign	NOUN
cblr-9988	356	4	borrowers	borrower	NOUN
cblr-9988	356	5	a	a	DET
cblr-9988	356	6	rating	rating	NOUN
cblr-9988	356	7	grade	grade	NOUN
cblr-9988	356	8	,	,	PUNCT
cblr-9988	356	9	which	which	PRON
cblr-9988	356	10	estimates	estimate	VERB
cblr-9988	356	11	the	the	DET
cblr-9988	356	12	borrower	borrower	NOUN
cblr-9988	356	13	’s	’s	PART
cblr-9988	356	14	likelihood	likelihood	NOUN
cblr-9988	356	15	of	of	ADP
cblr-9988	356	16	default.113	default.113	PROPN
cblr-9988	356	17	to	to	PART
cblr-9988	356	18	assign	assign	VERB
cblr-9988	356	19	a	a	DET
cblr-9988	356	20	rating	rating	NOUN
cblr-9988	356	21	grade	grade	NOUN
cblr-9988	356	22	,	,	PUNCT
cblr-9988	356	23	the	the	DET
cblr-9988	356	24	lender	lender	NOUN
cblr-9988	356	25	considers	consider	VERB
cblr-9988	356	26	“	"	PUNCT
cblr-9988	356	27	behavioral	behavioral	ADJ
cblr-9988	356	28	data	datum	NOUN
cblr-9988	356	29	,	,	PUNCT
cblr-9988	356	30	transactional	transactional	ADJ
cblr-9988	356	31	data	datum	NOUN
cblr-9988	356	32	and	and	CCONJ
cblr-9988	356	33	employment	employment	NOUN
cblr-9988	356	34	information	information	NOUN
cblr-9988	356	35	”	"	PUNCT
cblr-9988	356	36	in	in	ADP
cblr-9988	356	37	addition	addition	NOUN
cblr-9988	356	38	to	to	ADP
cblr-9988	356	39	a	a	DET
cblr-9988	356	40	borrower	borrower	NOUN
cblr-9988	356	41	’s	’s	PART
cblr-9988	356	42	fico	fico	NOUN
cblr-9988	356	43	score.114	score.114	VERB
cblr-9988	356	44	the	the	DET
cblr-9988	356	45	correlation	correlation	NOUN
cblr-9988	356	46	between	between	ADP
cblr-9988	356	47	a	a	DET
cblr-9988	356	48	borrower	borrower	NOUN
cblr-9988	356	49	’s	’s	PART
cblr-9988	356	50	fico	fico	NOUN
cblr-9988	356	51	score	score	NOUN
cblr-9988	356	52	and	and	CCONJ
cblr-9988	356	53	rating	rating	NOUN
cblr-9988	356	54	grade	grade	NOUN
cblr-9988	356	55	from	from	ADP
cblr-9988	356	56	lending	lending	NOUN
cblr-9988	356	57	club	club	NOUN
cblr-9988	356	58	has	have	AUX
cblr-9988	356	59	steadily	steadily	ADV
cblr-9988	356	60	decreased	decrease	VERB
cblr-9988	356	61	over	over	ADP
cblr-9988	356	62	time	time	NOUN
cblr-9988	356	63	from	from	ADP
cblr-9988	356	64	over	over	ADP
cblr-9988	356	65	eighty	eighty	NUM
cblr-9988	356	66	percent	percent	NOUN
cblr-9988	356	67	in	in	ADP
cblr-9988	356	68	2007	2007	NUM
cblr-9988	356	69	to	to	ADP
cblr-9988	356	70	approximately	approximately	ADV
cblr-9988	356	71	thirty	thirty	NUM
cblr-9988	356	72	-	-	PUNCT
cblr-9988	356	73	five	five	NUM
cblr-9988	356	74	percent	percent	NOUN
cblr-9988	356	75	in	in	ADP
cblr-9988	356	76	2016,115	2016,115	NUM
cblr-9988	356	77	suggesting	suggest	VERB
cblr-9988	356	78	that	that	SCONJ
cblr-9988	356	79	non	non	ADJ
cblr-9988	356	80	-	-	ADJ
cblr-9988	356	81	traditional	traditional	ADJ
cblr-9988	356	82	credit	credit	NOUN
cblr-9988	356	83	data	datum	NOUN
cblr-9988	356	84	is	be	AUX
cblr-9988	356	85	playing	play	VERB
cblr-9988	356	86	a	a	DET
cblr-9988	356	87	larger	large	ADJ
cblr-9988	356	88	role	role	NOUN
cblr-9988	356	89	in	in	ADP
cblr-9988	356	90	lending	lending	NOUN
cblr-9988	356	91	club	club	NOUN
cblr-9988	356	92	’s	’s	PART
cblr-9988	356	93	internal	internal	ADJ
cblr-9988	356	94	rating	rating	NOUN
cblr-9988	356	95	calculation	calculation	NOUN
cblr-9988	356	96	.	.	PUNCT
cblr-9988	357	1	indeed	indeed	ADV
cblr-9988	357	2	,	,	PUNCT
cblr-9988	357	3	over	over	ADP
cblr-9988	357	4	twenty	twenty	NUM
cblr-9988	357	5	-	-	PUNCT
cblr-9988	357	6	five	five	NUM
cblr-9988	357	7	percent	percent	NOUN
cblr-9988	357	8	of	of	ADP
cblr-9988	357	9	borrowers	borrower	NOUN
cblr-9988	357	10	rated	rate	VERB
cblr-9988	357	11	b	b	NUM
cblr-9988	357	12	,	,	PUNCT
cblr-9988	357	13	the	the	DET
cblr-9988	357	14	second	second	ADJ
cblr-9988	357	15	highest	high	ADJ
cblr-9988	357	16	of	of	ADP
cblr-9988	357	17	lending	lending	NOUN
cblr-9988	357	18	club	club	NOUN
cblr-9988	357	19	’s	’s	PART
cblr-9988	357	20	seven	seven	NUM
cblr-9988	357	21	rating	rating	NOUN
cblr-9988	357	22	grades	grade	NOUN
cblr-9988	357	23	,	,	PUNCT
cblr-9988	357	24	have	have	VERB
cblr-9988	357	25	fico	fico	NOUN
cblr-9988	357	26	scores	score	NOUN
cblr-9988	357	27	in	in	ADP
cblr-9988	357	28	the	the	DET
cblr-9988	357	29	subprime	subprime	ADJ
cblr-9988	357	30	range.116	range.116	NOUN
cblr-9988	357	31	furthermore	furthermore	ADV
cblr-9988	357	32	,	,	PUNCT
cblr-9988	357	33	the	the	DET
cblr-9988	357	34	rate	rate	NOUN
cblr-9988	357	35	of	of	ADP
cblr-9988	357	36	default	default	NOUN
cblr-9988	357	37	decreases	decrease	NOUN
cblr-9988	357	38	as	as	ADP
cblr-9988	357	39	rating	rating	NOUN
cblr-9988	357	40	grades	grade	NOUN
cblr-9988	357	41	of	of	ADP
cblr-9988	357	42	loans	loan	NOUN
cblr-9988	357	43	are	be	AUX
cblr-9988	357	44	higher,117	higher,117	PRON
cblr-9988	357	45	suggesting	suggest	VERB
cblr-9988	357	46	that	that	SCONJ
cblr-9988	357	47	lending	lending	NOUN
cblr-9988	357	48	club	club	NOUN
cblr-9988	357	49	’s	’s	PART
cblr-9988	357	50	proprietary	proprietary	ADJ
cblr-9988	357	51	algorithm	algorithm	NOUN
cblr-9988	357	52	is	be	AUX
cblr-9988	357	53	effectively	effectively	ADV
cblr-9988	357	54	assessing	assess	VERB
cblr-9988	357	55	a	a	DET
cblr-9988	357	56	borrower	borrower	NOUN
cblr-9988	357	57	’s	’s	PART
cblr-9988	357	58	ability	ability	NOUN
cblr-9988	357	59	to	to	PART
cblr-9988	357	60	repay	repay	VERB
cblr-9988	357	61	.	.	PUNCT
cblr-9988	358	1	though	though	SCONJ
cblr-9988	358	2	these	these	DET
cblr-9988	358	3	results	result	NOUN
cblr-9988	358	4	relate	relate	VERB
cblr-9988	358	5	to	to	ADP
cblr-9988	358	6	consumer	consumer	NOUN
cblr-9988	358	7	loans,118	loans,118	VERB
cblr-9988	358	8	they	they	PRON
cblr-9988	358	9	suggest	suggest	VERB
cblr-9988	358	10	that	that	SCONJ
cblr-9988	358	11	alternative	alternative	ADJ
cblr-9988	358	12	data	datum	NOUN
cblr-9988	358	13	can	can	AUX
cblr-9988	358	14	accurately	accurately	ADV
cblr-9988	358	15	predict	predict	VERB
cblr-9988	358	16	creditworthiness	creditworthiness	PROPN
cblr-9988	358	17	,	,	PUNCT
cblr-9988	358	18	which	which	PRON
cblr-9988	358	19	could	could	AUX
cblr-9988	358	20	then	then	ADV
cblr-9988	358	21	also	also	ADV
cblr-9988	358	22	be	be	AUX
cblr-9988	358	23	used	use	VERB
cblr-9988	358	24	for	for	ADP
cblr-9988	358	25	small	small	ADJ
cblr-9988	358	26	business	business	NOUN
cblr-9988	358	27	loans	loan	NOUN
cblr-9988	358	28	.	.	PUNCT
cblr-9988	359	1	in	in	ADP
cblr-9988	359	2	other	other	ADJ
cblr-9988	359	3	words	word	NOUN
cblr-9988	359	4	,	,	PUNCT
cblr-9988	359	5	there	there	PRON
cblr-9988	359	6	is	be	VERB
cblr-9988	359	7	potential	potential	ADJ
cblr-9988	359	8	for	for	SCONJ
cblr-9988	359	9	online	online	ADJ
cblr-9988	359	10	platforms	platform	NOUN
cblr-9988	359	11	to	to	PART
cblr-9988	359	12	use	use	VERB
cblr-9988	359	13	promising	promise	VERB
cblr-9988	359	14	social	social	ADJ
cblr-9988	359	15	media	medium	NOUN
cblr-9988	359	16	reviews	review	NOUN
cblr-9988	359	17	and	and	CCONJ
cblr-9988	359	18	sales	sale	NOUN
cblr-9988	359	19	numbers	number	NOUN
cblr-9988	359	20	as	as	ADP
cblr-9988	359	21	a	a	DET
cblr-9988	359	22	basis	basis	NOUN
cblr-9988	359	23	for	for	ADP
cblr-9988	359	24	offering	offer	VERB
cblr-9988	359	25	loans	loan	NOUN
cblr-9988	359	26	to	to	ADP
cblr-9988	359	27	businesses	business	NOUN
cblr-9988	359	28	that	that	PRON
cblr-9988	359	29	have	have	VERB
cblr-9988	359	30	limited	limit	VERB
cblr-9988	359	31	credit	credit	NOUN
cblr-9988	359	32	information	information	NOUN
cblr-9988	359	33	and	and	CCONJ
cblr-9988	359	34	assets	asset	NOUN
cblr-9988	359	35	.	.	PUNCT
cblr-9988	360	1	minority	minority	NOUN
cblr-9988	360	2	business	business	NOUN
cblr-9988	360	3	owners	owner	NOUN
cblr-9988	360	4	,	,	PUNCT
cblr-9988	360	5	who	who	PRON
cblr-9988	360	6	often	often	ADV
cblr-9988	360	7	lack	lack	VERB
cblr-9988	360	8	formal	formal	ADJ
cblr-9988	360	9	credit	credit	NOUN
cblr-9988	360	10	requirements	requirement	NOUN
cblr-9988	360	11	,	,	PUNCT
cblr-9988	360	12	could	could	AUX
cblr-9988	360	13	benefit	benefit	VERB
cblr-9988	360	14	from	from	ADP
cblr-9988	360	15	these	these	DET
cblr-9988	360	16	alternative	alternative	ADJ
cblr-9988	360	17	underwriting	underwriting	NOUN
cblr-9988	360	18	criteria	criterion	NOUN
cblr-9988	360	19	.	.	PUNCT
cblr-9988	361	1	underwriting	underwrite	VERB
cblr-9988	361	2	with	with	ADP
cblr-9988	361	3	non	non	ADJ
cblr-9988	361	4	-	-	ADJ
cblr-9988	361	5	traditional	traditional	ADJ
cblr-9988	361	6	criteria	criterion	NOUN
cblr-9988	361	7	is	be	AUX
cblr-9988	361	8	not	not	PART
cblr-9988	361	9	without	without	ADP
cblr-9988	361	10	its	its	PRON
cblr-9988	361	11	risks	risk	NOUN
cblr-9988	361	12	—	—	PUNCT
cblr-9988	361	13	platforms	platform	NOUN
cblr-9988	361	14	risk	risk	NOUN
cblr-9988	361	15	misinterpreting	misinterpret	VERB
cblr-9988	361	16	the	the	DET
cblr-9988	361	17	data	datum	NOUN
cblr-9988	361	18	or	or	CCONJ
cblr-9988	361	19	113	113	NUM
cblr-9988	361	20	lendingclub	lendingclub	PROPN
cblr-9988	361	21	corp	corp	PROPN
cblr-9988	361	22	.	.	PROPN
cblr-9988	361	23	,	,	PUNCT
cblr-9988	361	24	annual	annual	ADJ
cblr-9988	361	25	report	report	NOUN
cblr-9988	361	26	(	(	PUNCT
cblr-9988	361	27	form	form	NOUN
cblr-9988	361	28	10	10	NUM
cblr-9988	361	29	-	-	PUNCT
cblr-9988	361	30	k	k	NOUN
cblr-9988	361	31	)	)	PUNCT
cblr-9988	361	32	9	9	NUM
cblr-9988	361	33	(	(	PUNCT
cblr-9988	361	34	feb	feb	PROPN
cblr-9988	361	35	.	.	PROPN
cblr-9988	361	36	19	19	NUM
cblr-9988	361	37	,	,	PUNCT
cblr-9988	361	38	2020	2020	NUM
cblr-9988	361	39	)	)	PUNCT
cblr-9988	361	40	.	.	PUNCT
cblr-9988	362	1	114	114	NUM
cblr-9988	363	1	i	i	PRON
cblr-9988	363	2	d.	d.	PROPN
cblr-9988	363	3	in	in	ADP
cblr-9988	363	4	general	general	ADJ
cblr-9988	363	5	,	,	PUNCT
cblr-9988	363	6	online	online	ADJ
cblr-9988	363	7	lenders	lender	NOUN
cblr-9988	363	8	may	may	AUX
cblr-9988	363	9	consider	consider	VERB
cblr-9988	363	10	factors	factor	NOUN
cblr-9988	363	11	such	such	ADJ
cblr-9988	363	12	as	as	ADP
cblr-9988	363	13	“	"	PUNCT
cblr-9988	363	14	consumers	consumer	NOUN
cblr-9988	363	15	’	'	PUNCT
cblr-9988	363	16	payment	payment	NOUN
cblr-9988	363	17	history	history	NOUN
cblr-9988	363	18	(	(	PUNCT
cblr-9988	363	19	utility	utility	NOUN
cblr-9988	363	20	,	,	PUNCT
cblr-9988	363	21	phone	phone	NOUN
cblr-9988	363	22	,	,	PUNCT
cblr-9988	363	23	paypal	paypal	NOUN
cblr-9988	363	24	,	,	PUNCT
cblr-9988	363	25	amazon	amazon	NOUN
cblr-9988	363	26	)	)	PUNCT
cblr-9988	363	27	,	,	PUNCT
cblr-9988	363	28	their	their	PRON
cblr-9988	363	29	medical	medical	ADJ
cblr-9988	363	30	and	and	CCONJ
cblr-9988	363	31	insurance	insurance	NOUN
cblr-9988	363	32	claims	claim	NOUN
cblr-9988	363	33	,	,	PUNCT
cblr-9988	363	34	[	[	X
cblr-9988	363	35	and	and	CCONJ
cblr-9988	363	36	]	]	PUNCT
cblr-9988	363	37	their	their	PRON
cblr-9988	363	38	social	social	ADJ
cblr-9988	363	39	network	network	NOUN
cblr-9988	363	40	[	[	X
cblr-9988	363	41	.	.	X
cblr-9988	363	42	]	]	X
cblr-9988	363	43	”	"	PUNCT
cblr-9988	363	44	jagtiani	jagtiani	PROPN
cblr-9988	363	45	,	,	PUNCT
cblr-9988	363	46	supra	supra	PROPN
cblr-9988	363	47	note	note	PROPN
cblr-9988	363	48	108	108	NUM
cblr-9988	363	49	,	,	PUNCT
cblr-9988	363	50	at	at	ADP
cblr-9988	363	51	24	24	NUM
cblr-9988	363	52	.	.	PUNCT
cblr-9988	363	53	115	115	NUM
cblr-9988	363	54	jagtiani	jagtiani	PROPN
cblr-9988	363	55	,	,	PUNCT
cblr-9988	363	56	supra	supra	PROPN
cblr-9988	363	57	note	note	PROPN
cblr-9988	363	58	108	108	NUM
cblr-9988	363	59	,	,	PUNCT
cblr-9988	363	60	at	at	ADP
cblr-9988	363	61	25	25	NUM
cblr-9988	363	62	.	.	PUNCT
cblr-9988	363	63	116	116	NUM
cblr-9988	364	1	i	i	PRON
cblr-9988	364	2	d.	d.	PROPN
cblr-9988	364	3	at	at	ADP
cblr-9988	364	4	26	26	NUM
cblr-9988	364	5	.	.	PUNCT
cblr-9988	365	1	117	117	NUM
cblr-9988	366	1	i	i	PROPN
cblr-9988	366	2	d.	d.	PROPN
cblr-9988	366	3	at	at	ADP
cblr-9988	366	4	30–31	30–31	NUM
cblr-9988	366	5	.	.	PUNCT
cblr-9988	367	1	118	118	NUM
cblr-9988	368	1	i	i	NOUN
cblr-9988	368	2	d.	d.	PROPN
cblr-9988	368	3	at	at	ADP
cblr-9988	368	4	12	12	NUM
cblr-9988	368	5	.	.	PUNCT
cblr-9988	369	1	644	644	NUM
cblr-9988	369	2	columbia	columbia	PROPN
cblr-9988	369	3	business	business	NOUN
cblr-9988	369	4	law	law	PROPN
cblr-9988	369	5	review	review	NOUN
cblr-9988	369	6	[	[	X
cblr-9988	369	7	vol	vol	NOUN
cblr-9988	369	8	.	.	PUNCT
cblr-9988	369	9	2022	2022	NUM
cblr-9988	369	10	confusing	confusing	ADJ
cblr-9988	369	11	correlation	correlation	NOUN
cblr-9988	369	12	with	with	ADP
cblr-9988	369	13	causation,119	causation,119	NOUN
cblr-9988	369	14	or	or	CCONJ
cblr-9988	369	15	making	make	VERB
cblr-9988	369	16	biased	biased	ADJ
cblr-9988	369	17	decisions	decision	NOUN
cblr-9988	369	18	by	by	ADP
cblr-9988	369	19	relying	rely	VERB
cblr-9988	369	20	on	on	ADP
cblr-9988	369	21	soft	soft	ADJ
cblr-9988	369	22	information	information	NOUN
cblr-9988	369	23	such	such	DET
cblr-9988	369	24	an	an	DET
cblr-9988	369	25	applicants	applicant	NOUN
cblr-9988	369	26	’	'	PUNCT
cblr-9988	369	27	appearances.120	appearances.120	ADJ
cblr-9988	369	28	2	2	NUM
cblr-9988	369	29	.	.	PUNCT
cblr-9988	369	30	online	online	ADJ
cblr-9988	369	31	lenders	lender	NOUN
cblr-9988	369	32	offer	offer	VERB
cblr-9988	369	33	high	high	ADJ
cblr-9988	369	34	interest	interest	NOUN
cblr-9988	369	35	rates	rate	NOUN
cblr-9988	369	36	to	to	PART
cblr-9988	369	37	mitigate	mitigate	VERB
cblr-9988	369	38	risk	risk	NOUN
cblr-9988	369	39	marketplace	marketplace	NOUN
cblr-9988	369	40	lending	lending	NOUN
cblr-9988	369	41	platforms	platform	NOUN
cblr-9988	369	42	continue	continue	VERB
cblr-9988	369	43	to	to	PART
cblr-9988	369	44	grow	grow	VERB
cblr-9988	369	45	as	as	ADP
cblr-9988	369	46	investors	investor	NOUN
cblr-9988	369	47	,	,	PUNCT
cblr-9988	369	48	attracted	attract	VERB
cblr-9988	369	49	by	by	ADP
cblr-9988	369	50	high	high	ADJ
cblr-9988	369	51	returns	return	NOUN
cblr-9988	369	52	,	,	PUNCT
cblr-9988	369	53	continue	continue	VERB
cblr-9988	369	54	to	to	PART
cblr-9988	369	55	fund	fund	VERB
cblr-9988	369	56	loans	loan	NOUN
cblr-9988	369	57	on	on	ADP
cblr-9988	369	58	these	these	DET
cblr-9988	369	59	platforms.121	platforms.121	NOUN
cblr-9988	369	60	platforms	platform	NOUN
cblr-9988	369	61	,	,	PUNCT
cblr-9988	369	62	such	such	ADJ
cblr-9988	369	63	as	as	ADP
cblr-9988	369	64	lending	lending	NOUN
cblr-9988	369	65	club	club	NOUN
cblr-9988	369	66	,	,	PUNCT
cblr-9988	369	67	are	be	AUX
cblr-9988	369	68	not	not	PART
cblr-9988	369	69	limited	limit	VERB
cblr-9988	369	70	by	by	ADP
cblr-9988	369	71	usury	usury	NOUN
cblr-9988	369	72	laws	law	NOUN
cblr-9988	369	73	where	where	SCONJ
cblr-9988	369	74	their	their	PRON
cblr-9988	369	75	issuing	issue	VERB
cblr-9988	369	76	bank	bank	NOUN
cblr-9988	369	77	is	be	AUX
cblr-9988	369	78	in	in	ADP
cblr-9988	369	79	a	a	DET
cblr-9988	369	80	state	state	NOUN
cblr-9988	369	81	with	with	ADP
cblr-9988	369	82	no	no	DET
cblr-9988	369	83	interest	interest	NOUN
cblr-9988	369	84	rate	rate	NOUN
cblr-9988	369	85	cap	cap	NOUN
cblr-9988	369	86	.	.	PUNCT
cblr-9988	370	1	for	for	ADP
cblr-9988	370	2	example	example	NOUN
cblr-9988	370	3	,	,	PUNCT
cblr-9988	370	4	webbank	webbank	PROPN
cblr-9988	370	5	,	,	PUNCT
cblr-9988	370	6	the	the	DET
cblr-9988	370	7	issuing	issue	VERB
cblr-9988	370	8	bank	bank	NOUN
cblr-9988	370	9	of	of	ADP
cblr-9988	370	10	several	several	ADJ
cblr-9988	370	11	online	online	ADJ
cblr-9988	370	12	lenders	lender	NOUN
cblr-9988	370	13	,	,	PUNCT
cblr-9988	370	14	is	be	AUX
cblr-9988	370	15	chartered	charter	VERB
cblr-9988	370	16	in	in	ADP
cblr-9988	370	17	utah	utah	PROPN
cblr-9988	370	18	,	,	PUNCT
cblr-9988	370	19	where	where	SCONJ
cblr-9988	370	20	there	there	PRON
cblr-9988	370	21	is	be	VERB
cblr-9988	370	22	no	no	DET
cblr-9988	370	23	statutory	statutory	ADJ
cblr-9988	370	24	limit	limit	NOUN
cblr-9988	370	25	on	on	ADP
cblr-9988	370	26	interest	interest	NOUN
cblr-9988	370	27	rates	rate	NOUN
cblr-9988	370	28	on	on	ADP
cblr-9988	370	29	personal	personal	ADJ
cblr-9988	370	30	loans.122	loans.122	NOUN
cblr-9988	370	31	for	for	ADP
cblr-9988	370	32	some	some	DET
cblr-9988	370	33	time	time	NOUN
cblr-9988	370	34	,	,	PUNCT
cblr-9988	370	35	there	there	PRON
cblr-9988	370	36	was	be	VERB
cblr-9988	370	37	uncertainty	uncertainty	NOUN
cblr-9988	370	38	over	over	ADP
cblr-9988	370	39	whether	whether	SCONJ
cblr-9988	370	40	a	a	DET
cblr-9988	370	41	purchaser	purchaser	NOUN
cblr-9988	370	42	of	of	ADP
cblr-9988	370	43	a	a	DET
cblr-9988	370	44	loan	loan	NOUN
cblr-9988	370	45	,	,	PUNCT
cblr-9988	370	46	in	in	ADP
cblr-9988	370	47	this	this	DET
cblr-9988	370	48	case	case	NOUN
cblr-9988	370	49	the	the	DET
cblr-9988	370	50	online	online	ADJ
cblr-9988	370	51	lender	lender	NOUN
cblr-9988	370	52	,	,	PUNCT
cblr-9988	370	53	could	could	AUX
cblr-9988	370	54	charge	charge	VERB
cblr-9988	370	55	the	the	DET
cblr-9988	370	56	same	same	ADJ
cblr-9988	370	57	interest	interest	NOUN
cblr-9988	370	58	rate	rate	NOUN
cblr-9988	370	59	if	if	SCONJ
cblr-9988	370	60	that	that	DET
cblr-9988	370	61	rate	rate	NOUN
cblr-9988	370	62	was	be	AUX
cblr-9988	370	63	higher	high	ADJ
cblr-9988	370	64	than	than	ADP
cblr-9988	370	65	the	the	DET
cblr-9988	370	66	usury	usury	NOUN
cblr-9988	370	67	cap	cap	NOUN
cblr-9988	370	68	in	in	ADP
cblr-9988	370	69	the	the	DET
cblr-9988	370	70	state	state	NOUN
cblr-9988	370	71	which	which	PRON
cblr-9988	370	72	the	the	DET
cblr-9988	370	73	purchaser	purchaser	NOUN
cblr-9988	370	74	operated.123	operated.123	VERB
cblr-9988	370	75	an	an	DET
cblr-9988	370	76	office	office	NOUN
cblr-9988	370	77	of	of	ADP
cblr-9988	370	78	the	the	DET
cblr-9988	370	79	comptroller	comptroller	NOUN
cblr-9988	370	80	of	of	ADP
cblr-9988	370	81	the	the	DET
cblr-9988	370	82	currency	currency	NOUN
cblr-9988	370	83	(	(	PUNCT
cblr-9988	370	84	occ	occ	NOUN
cblr-9988	370	85	)	)	PUNCT
cblr-9988	370	86	rule	rule	NOUN
cblr-9988	370	87	has	have	AUX
cblr-9988	370	88	since	since	SCONJ
cblr-9988	370	89	confirmed	confirm	VERB
cblr-9988	370	90	that	that	SCONJ
cblr-9988	370	91	online	online	ADJ
cblr-9988	370	92	lenders	lender	NOUN
cblr-9988	370	93	can	can	AUX
cblr-9988	370	94	charge	charge	VERB
cblr-9988	370	95	the	the	DET
cblr-9988	370	96	higher	high	ADJ
cblr-9988	370	97	interest	interest	NOUN
cblr-9988	370	98	119	119	NUM
cblr-9988	370	99	edith	edith	PROPN
cblr-9988	370	100	ramirez	ramirez	PROPN
cblr-9988	370	101	et	et	PROPN
cblr-9988	370	102	al	al	PROPN
cblr-9988	370	103	.	.	PROPN
cblr-9988	370	104	,	,	PUNCT
cblr-9988	370	105	fed	fed	PROPN
cblr-9988	370	106	.	.	PUNCT
cblr-9988	371	1	trade	trade	PROPN
cblr-9988	371	2	comm’n	comm’n	NOUN
cblr-9988	371	3	,	,	PUNCT
cblr-9988	371	4	big	big	ADJ
cblr-9988	371	5	data	datum	NOUN
cblr-9988	371	6	:	:	PUNCT
cblr-9988	371	7	a	a	DET
cblr-9988	371	8	tool	tool	NOUN
cblr-9988	371	9	for	for	ADP
cblr-9988	371	10	inclusion	inclusion	NOUN
cblr-9988	371	11	or	or	CCONJ
cblr-9988	371	12	exclusion	exclusion	NOUN
cblr-9988	371	13	?	?	PUNCT
cblr-9988	372	1	29	29	NUM
cblr-9988	372	2	(	(	PUNCT
cblr-9988	372	3	2016	2016	NUM
cblr-9988	372	4	)	)	PUNCT
cblr-9988	372	5	,	,	PUNCT
cblr-9988	372	6	https://www.ftc.gov/system/files/documents/reports/big-data-tool-inclusionor-exclusion-understanding-issues/160106big-data-rpt.pdf	https://www.ftc.gov/system/files/documents/reports/big-data-tool-inclusionor-exclusion-understanding-issues/160106big-data-rpt.pdf	NOUN
cblr-9988	373	1	[	[	X
cblr-9988	373	2	https://perma.cc/d2gy-tw6d	https://perma.cc/d2gy-tw6d	NOUN
cblr-9988	373	3	]	]	PUNCT
cblr-9988	373	4	;	;	PUNCT
cblr-9988	373	5	taylor	taylor	PROPN
cblr-9988	373	6	moore	moore	PROPN
cblr-9988	373	7	,	,	PUNCT
cblr-9988	373	8	peer	peer	NOUN
cblr-9988	373	9	-	-	PUNCT
cblr-9988	373	10	to	to	ADP
cblr-9988	373	11	-	-	PUNCT
cblr-9988	373	12	peer	peer	NOUN
cblr-9988	373	13	(	(	PUNCT
cblr-9988	373	14	p2p	p2p	NOUN
cblr-9988	373	15	)	)	PUNCT
cblr-9988	373	16	lending	lending	NOUN
cblr-9988	373	17	,	,	PUNCT
cblr-9988	373	18	time	time	NOUN
cblr-9988	373	19	:	:	PUNCT
cblr-9988	373	20	nextadvisor	nextadvisor	NOUN
cblr-9988	373	21	(	(	PUNCT
cblr-9988	373	22	sept	sept	PROPN
cblr-9988	373	23	.	.	PROPN
cblr-9988	373	24	8	8	NUM
cblr-9988	373	25	,	,	PUNCT
cblr-9988	373	26	2021	2021	NUM
cblr-9988	373	27	)	)	PUNCT
cblr-9988	373	28	,	,	PUNCT
cblr-9988	373	29	https://time.com/nextadvisor/loans/personal-loans/peer-to-peer-lending/	https://time.com/nextadvisor/loans/personal-loans/peer-to-peer-lending/	VERB
cblr-9988	374	1	[	[	X
cblr-9988	374	2	https://perma.cc/4gk8-gp6p	https://perma.cc/4gk8-gp6p	X
cblr-9988	374	3	]	]	X
cblr-9988	374	4	.	.	PUNCT
cblr-9988	375	1	120	120	NUM
cblr-9988	375	2	previous	previous	ADJ
cblr-9988	375	3	studies	study	NOUN
cblr-9988	375	4	have	have	AUX
cblr-9988	375	5	reported	report	VERB
cblr-9988	375	6	that	that	SCONJ
cblr-9988	375	7	an	an	DET
cblr-9988	375	8	applicants	applicant	NOUN
cblr-9988	375	9	’	'	PUNCT
cblr-9988	375	10	looks	look	NOUN
cblr-9988	375	11	and	and	CCONJ
cblr-9988	375	12	relational	relational	ADJ
cblr-9988	375	13	network	network	NOUN
cblr-9988	375	14	is	be	AUX
cblr-9988	375	15	related	relate	VERB
cblr-9988	375	16	to	to	ADP
cblr-9988	375	17	the	the	DET
cblr-9988	375	18	applicant	applicant	NOUN
cblr-9988	375	19	’s	’s	PART
cblr-9988	375	20	success	success	NOUN
cblr-9988	375	21	in	in	ADP
cblr-9988	375	22	receiving	receive	VERB
cblr-9988	375	23	funding	funding	NOUN
cblr-9988	375	24	or	or	CCONJ
cblr-9988	375	25	obtaining	obtain	VERB
cblr-9988	375	26	a	a	DET
cblr-9988	375	27	better	well	ADJ
cblr-9988	375	28	price	price	NOUN
cblr-9988	375	29	for	for	ADP
cblr-9988	375	30	the	the	DET
cblr-9988	375	31	funding	funding	NOUN
cblr-9988	375	32	.	.	PUNCT
cblr-9988	376	1	jagtiani	jagtiani	PROPN
cblr-9988	376	2	,	,	PUNCT
cblr-9988	376	3	supra	supra	PROPN
cblr-9988	376	4	note	note	PROPN
cblr-9988	376	5	108	108	NUM
cblr-9988	376	6	,	,	PUNCT
cblr-9988	376	7	at	at	ADP
cblr-9988	376	8	8	8	NUM
cblr-9988	376	9	.	.	NOUN
cblr-9988	376	10	121	121	NUM
cblr-9988	376	11	mills	mill	NOUN
cblr-9988	376	12	&	&	CCONJ
cblr-9988	376	13	mccarthy	mccarthy	PROPN
cblr-9988	376	14	,	,	PUNCT
cblr-9988	376	15	supra	supra	PROPN
cblr-9988	376	16	note	note	NOUN
cblr-9988	376	17	6	6	NUM
cblr-9988	376	18	,	,	PUNCT
cblr-9988	376	19	at	at	ADP
cblr-9988	376	20	46	46	NUM
cblr-9988	376	21	.	.	PUNCT
cblr-9988	376	22	122	122	NUM
cblr-9988	376	23	lendingclub	lendingclub	PROPN
cblr-9988	376	24	corp	corp	PROPN
cblr-9988	376	25	.	.	PROPN
cblr-9988	376	26	,	,	PUNCT
cblr-9988	376	27	registration	registration	NOUN
cblr-9988	376	28	statement	statement	NOUN
cblr-9988	376	29	(	(	PUNCT
cblr-9988	376	30	form	form	NOUN
cblr-9988	376	31	s-3	s-3	NUM
cblr-9988	376	32	)	)	PUNCT
cblr-9988	376	33	,	,	PUNCT
cblr-9988	376	34	12	12	NUM
cblr-9988	376	35	(	(	PUNCT
cblr-9988	376	36	aug	aug	PROPN
cblr-9988	376	37	.	.	PROPN
cblr-9988	376	38	9	9	NUM
cblr-9988	376	39	,	,	PUNCT
cblr-9988	376	40	2019	2019	NUM
cblr-9988	376	41	)	)	PUNCT
cblr-9988	376	42	.	.	PUNCT
cblr-9988	377	1	to	to	PART
cblr-9988	377	2	maintain	maintain	VERB
cblr-9988	377	3	their	their	PRON
cblr-9988	377	4	offering	offering	NOUN
cblr-9988	377	5	of	of	ADP
cblr-9988	377	6	loans	loan	NOUN
cblr-9988	377	7	at	at	ADP
cblr-9988	377	8	interest	interest	NOUN
cblr-9988	377	9	rates	rate	NOUN
cblr-9988	377	10	of	of	ADP
cblr-9988	377	11	6.46	6.46	NUM
cblr-9988	377	12	%	%	NOUN
cblr-9988	377	13	to	to	ADP
cblr-9988	377	14	28.80	28.80	NUM
cblr-9988	377	15	%	%	NOUN
cblr-9988	377	16	,	,	PUNCT
cblr-9988	377	17	i	i	PRON
cblr-9988	377	18	d.	d.	VERB
cblr-9988	377	19	at	at	ADP
cblr-9988	377	20	7	7	NUM
cblr-9988	377	21	,	,	PUNCT
cblr-9988	377	22	lending	lending	NOUN
cblr-9988	377	23	club	club	NOUN
cblr-9988	377	24	relies	rely	VERB
cblr-9988	377	25	on	on	ADP
cblr-9988	377	26	“	"	PUNCT
cblr-9988	377	27	(	(	PUNCT
cblr-9988	377	28	i	i	NOUN
cblr-9988	377	29	)	)	PUNCT
cblr-9988	377	30	the	the	DET
cblr-9988	377	31	application	application	NOUN
cblr-9988	377	32	of	of	ADP
cblr-9988	377	33	federal	federal	ADJ
cblr-9988	377	34	law	law	NOUN
cblr-9988	377	35	to	to	PART
cblr-9988	377	36	enable	enable	VERB
cblr-9988	377	37	an	an	DET
cblr-9988	377	38	issuing	issue	VERB
cblr-9988	377	39	bank	bank	NOUN
cblr-9988	377	40	that	that	PRON
cblr-9988	377	41	originates	originate	VERB
cblr-9988	377	42	the	the	DET
cblr-9988	377	43	loan	loan	NOUN
cblr-9988	377	44	to	to	ADP
cblr-9988	377	45	‘	'	PUNCT
cblr-9988	377	46	export	export	VERB
cblr-9988	377	47	’	'	PUNCT
cblr-9988	377	48	the	the	DET
cblr-9988	377	49	interest	interest	NOUN
cblr-9988	377	50	rates	rate	NOUN
cblr-9988	377	51	of	of	ADP
cblr-9988	377	52	the	the	DET
cblr-9988	377	53	jurisdiction	jurisdiction	NOUN
cblr-9988	377	54	where	where	SCONJ
cblr-9988	377	55	it	it	PRON
cblr-9988	377	56	is	be	AUX
cblr-9988	377	57	located	locate	VERB
cblr-9988	377	58	[	[	X
cblr-9988	377	59	.	.	PROPN
cblr-9988	377	60	]	]	X
cblr-9988	377	61	”	"	PUNCT
cblr-9988	377	62	i	i	PRON
cblr-9988	377	63	d.	d.	PROPN
cblr-9988	377	64	at	at	ADP
cblr-9988	377	65	12	12	NUM
cblr-9988	377	66	.	.	PUNCT
cblr-9988	378	1	123	123	NUM
cblr-9988	378	2	see	see	VERB
cblr-9988	378	3	i	i	PRON
cblr-9988	378	4	d.	d.	PROPN
cblr-9988	378	5	no	no	INTJ
cblr-9988	378	6	.	.	PUNCT
cblr-9988	379	1	1:621	1:621	NUM
cblr-9988	379	2	]	]	X
cblr-9988	379	3	expand	expand	VERB
cblr-9988	379	4	online	online	ADJ
cblr-9988	379	5	lending	lending	NOUN
cblr-9988	379	6	to	to	ADP
cblr-9988	379	7	minority	minority	NOUN
cblr-9988	379	8	business	business	NOUN
cblr-9988	379	9	owners	owner	NOUN
cblr-9988	379	10	645	645	NUM
cblr-9988	379	11	rate	rate	NOUN
cblr-9988	379	12	,	,	PUNCT
cblr-9988	379	13	clarifying	clarify	VERB
cblr-9988	379	14	that	that	SCONJ
cblr-9988	379	15	“	"	PUNCT
cblr-9988	379	16	a	a	DET
cblr-9988	379	17	bank	bank	NOUN
cblr-9988	379	18	may	may	AUX
cblr-9988	379	19	transfer	transfer	VERB
cblr-9988	379	20	a	a	DET
cblr-9988	379	21	loan	loan	NOUN
cblr-9988	379	22	without	without	ADP
cblr-9988	379	23	affecting	affect	VERB
cblr-9988	379	24	the	the	DET
cblr-9988	379	25	permissible	permissible	ADJ
cblr-9988	379	26	interest	interest	NOUN
cblr-9988	379	27	term	term	NOUN
cblr-9988	379	28	.	.	PUNCT
cblr-9988	379	29	”124	”124	PUNCT
cblr-9988	379	30	on	on	ADP
cblr-9988	379	31	marketplace	marketplace	NOUN
cblr-9988	379	32	lenders	lender	NOUN
cblr-9988	379	33	’	’	PART
cblr-9988	379	34	platforms	platform	NOUN
cblr-9988	379	35	,	,	PUNCT
cblr-9988	379	36	loans	loan	NOUN
cblr-9988	379	37	with	with	ADP
cblr-9988	379	38	higher	high	ADJ
cblr-9988	379	39	interest	interest	NOUN
cblr-9988	379	40	rates	rate	NOUN
cblr-9988	379	41	are	be	AUX
cblr-9988	379	42	more	more	ADV
cblr-9988	379	43	likely	likely	ADJ
cblr-9988	379	44	to	to	PART
cblr-9988	379	45	be	be	AUX
cblr-9988	379	46	funded.125	funded.125	ADV
cblr-9988	379	47	online	online	ADJ
cblr-9988	379	48	lending	lending	NOUN
cblr-9988	379	49	platforms	platform	NOUN
cblr-9988	379	50	make	make	VERB
cblr-9988	379	51	most	most	ADJ
cblr-9988	379	52	of	of	ADP
cblr-9988	379	53	their	their	PRON
cblr-9988	379	54	revenue	revenue	NOUN
cblr-9988	379	55	from	from	ADP
cblr-9988	379	56	loan	loan	NOUN
cblr-9988	379	57	origination	origination	NOUN
cblr-9988	379	58	fees	fee	NOUN
cblr-9988	379	59	,	,	PUNCT
cblr-9988	379	60	thus	thus	ADV
cblr-9988	379	61	they	they	PRON
cblr-9988	379	62	have	have	VERB
cblr-9988	379	63	a	a	DET
cblr-9988	379	64	strong	strong	ADJ
cblr-9988	379	65	incentive	incentive	NOUN
cblr-9988	379	66	to	to	PART
cblr-9988	379	67	originate	originate	VERB
cblr-9988	379	68	loans	loan	NOUN
cblr-9988	379	69	with	with	ADP
cblr-9988	379	70	high	high	ADJ
cblr-9988	379	71	interest	interest	NOUN
cblr-9988	379	72	rates	rate	NOUN
cblr-9988	379	73	.	.	PUNCT
cblr-9988	380	1	because	because	SCONJ
cblr-9988	380	2	their	their	PRON
cblr-9988	380	3	revenue	revenue	NOUN
cblr-9988	380	4	from	from	ADP
cblr-9988	380	5	servicing	servicing	NOUN
cblr-9988	380	6	fees	fee	NOUN
cblr-9988	380	7	,	,	PUNCT
cblr-9988	380	8	paid	pay	VERB
cblr-9988	380	9	upon	upon	SCONJ
cblr-9988	380	10	loan	loan	NOUN
cblr-9988	380	11	reimbursement	reimbursement	NOUN
cblr-9988	380	12	,	,	PUNCT
cblr-9988	380	13	is	be	AUX
cblr-9988	380	14	lower,126	lower,126	NOUN
cblr-9988	380	15	lenders	lender	NOUN
cblr-9988	380	16	tend	tend	VERB
cblr-9988	380	17	to	to	PART
cblr-9988	380	18	absorb	absorb	VERB
cblr-9988	380	19	the	the	DET
cblr-9988	380	20	risk	risk	NOUN
cblr-9988	380	21	of	of	ADP
cblr-9988	380	22	a	a	DET
cblr-9988	380	23	borrower	borrower	NOUN
cblr-9988	380	24	defaulting	default	VERB
cblr-9988	380	25	more	more	ADJ
cblr-9988	380	26	than	than	ADP
cblr-9988	380	27	the	the	DET
cblr-9988	380	28	platform	platform	NOUN
cblr-9988	380	29	does.127	does.127	NOUN
cblr-9988	380	30	in	in	ADP
cblr-9988	380	31	summary	summary	NOUN
cblr-9988	380	32	,	,	PUNCT
cblr-9988	380	33	the	the	DET
cblr-9988	380	34	platform	platform	NOUN
cblr-9988	380	35	has	have	VERB
cblr-9988	380	36	a	a	DET
cblr-9988	380	37	stronger	strong	ADJ
cblr-9988	380	38	financial	financial	ADJ
cblr-9988	380	39	incentive	incentive	NOUN
cblr-9988	380	40	to	to	PART
cblr-9988	380	41	originate	originate	VERB
cblr-9988	380	42	loans	loan	NOUN
cblr-9988	380	43	than	than	SCONJ
cblr-9988	380	44	to	to	PART
cblr-9988	380	45	ensure	ensure	VERB
cblr-9988	380	46	they	they	PRON
cblr-9988	380	47	are	be	AUX
cblr-9988	380	48	all	all	ADV
cblr-9988	380	49	repaid	repay	VERB
cblr-9988	380	50	.	.	PUNCT
cblr-9988	381	1	however	however	ADV
cblr-9988	381	2	,	,	PUNCT
cblr-9988	381	3	the	the	DET
cblr-9988	381	4	platform	platform	NOUN
cblr-9988	381	5	would	would	AUX
cblr-9988	381	6	likely	likely	ADV
cblr-9988	381	7	suffer	suffer	VERB
cblr-9988	381	8	significant	significant	ADJ
cblr-9988	381	9	reputation	reputation	NOUN
cblr-9988	381	10	costs	cost	NOUN
cblr-9988	381	11	if	if	SCONJ
cblr-9988	381	12	borrowers	borrower	NOUN
cblr-9988	381	13	consistently	consistently	ADV
cblr-9988	381	14	default	default	NOUN
cblr-9988	381	15	.	.	PUNCT
cblr-9988	382	1	b.	b.	VERB
cblr-9988	383	1	the	the	DET
cblr-9988	383	2	effects	effect	NOUN
cblr-9988	383	3	of	of	ADP
cblr-9988	383	4	online	online	ADJ
cblr-9988	383	5	lending	lending	NOUN
cblr-9988	383	6	on	on	ADP
cblr-9988	383	7	minority	minority	NOUN
cblr-9988	383	8	business	business	NOUN
cblr-9988	383	9	borrowing	borrow	VERB
cblr-9988	383	10	through	through	ADP
cblr-9988	383	11	using	use	VERB
cblr-9988	383	12	alternative	alternative	ADJ
cblr-9988	383	13	sources	source	NOUN
cblr-9988	383	14	of	of	ADP
cblr-9988	383	15	data	datum	NOUN
cblr-9988	383	16	to	to	PART
cblr-9988	383	17	assess	assess	VERB
cblr-9988	383	18	creditworthiness	creditworthiness	NOUN
cblr-9988	383	19	,	,	PUNCT
cblr-9988	383	20	online	online	ADJ
cblr-9988	383	21	lenders	lender	NOUN
cblr-9988	383	22	offer	offer	VERB
cblr-9988	383	23	loans	loan	NOUN
cblr-9988	383	24	to	to	ADP
cblr-9988	383	25	customers	customer	NOUN
cblr-9988	383	26	who	who	PRON
cblr-9988	383	27	can	can	AUX
cblr-9988	383	28	not	not	PART
cblr-9988	383	29	otherwise	otherwise	ADV
cblr-9988	383	30	borrow	borrow	VERB
cblr-9988	383	31	from	from	ADP
cblr-9988	383	32	a	a	DET
cblr-9988	383	33	bank	bank	NOUN
cblr-9988	383	34	,	,	PUNCT
cblr-9988	383	35	allowing	allow	VERB
cblr-9988	383	36	more	more	ADJ
cblr-9988	383	37	people	people	NOUN
cblr-9988	383	38	to	to	PART
cblr-9988	383	39	participate	participate	VERB
cblr-9988	383	40	in	in	ADP
cblr-9988	383	41	the	the	DET
cblr-9988	383	42	credit	credit	NOUN
cblr-9988	383	43	ecosystem	ecosystem	NOUN
cblr-9988	383	44	.	.	PUNCT
cblr-9988	384	1	this	this	DET
cblr-9988	384	2	increased	increase	VERB
cblr-9988	384	3	financial	financial	ADJ
cblr-9988	384	4	inclusion	inclusion	NOUN
cblr-9988	384	5	often	often	ADV
cblr-9988	384	6	comes	come	VERB
cblr-9988	384	7	at	at	ADP
cblr-9988	384	8	the	the	DET
cblr-9988	384	9	cost	cost	NOUN
cblr-9988	384	10	of	of	ADP
cblr-9988	384	11	a	a	DET
cblr-9988	384	12	higher	high	ADJ
cblr-9988	384	13	interest	interest	NOUN
cblr-9988	384	14	rate	rate	NOUN
cblr-9988	384	15	,	,	PUNCT
cblr-9988	384	16	which	which	PRON
cblr-9988	384	17	can	can	AUX
cblr-9988	384	18	be	be	AUX
cblr-9988	384	19	especially	especially	ADV
cblr-9988	384	20	risky	risky	ADJ
cblr-9988	384	21	for	for	ADP
cblr-9988	384	22	borrowers	borrower	NOUN
cblr-9988	384	23	if	if	SCONJ
cblr-9988	384	24	they	they	PRON
cblr-9988	384	25	are	be	AUX
cblr-9988	384	26	not	not	PART
cblr-9988	384	27	fully	fully	ADV
cblr-9988	384	28	informed	inform	VERB
cblr-9988	384	29	about	about	ADP
cblr-9988	384	30	loan	loan	NOUN
cblr-9988	384	31	terms	term	NOUN
cblr-9988	384	32	beforehand	beforehand	ADV
cblr-9988	384	33	.	.	PUNCT
cblr-9988	385	1	in	in	ADP
cblr-9988	385	2	addition	addition	NOUN
cblr-9988	385	3	,	,	PUNCT
cblr-9988	385	4	online	online	ADJ
cblr-9988	385	5	lenders	lender	NOUN
cblr-9988	385	6	may	may	AUX
cblr-9988	385	7	undergo	undergo	VERB
cblr-9988	385	8	liquidity	liquidity	NOUN
cblr-9988	385	9	problems	problem	NOUN
cblr-9988	385	10	during	during	ADP
cblr-9988	385	11	an	an	DET
cblr-9988	385	12	economic	economic	ADJ
cblr-9988	385	13	downturn	downturn	NOUN
cblr-9988	385	14	,	,	PUNCT
cblr-9988	385	15	exposing	expose	VERB
cblr-9988	385	16	borrowers	borrower	NOUN
cblr-9988	385	17	to	to	ADP
cblr-9988	385	18	additional	additional	ADJ
cblr-9988	385	19	risk	risk	NOUN
cblr-9988	385	20	.	.	PUNCT
cblr-9988	386	1	124	124	NUM
cblr-9988	386	2	permissible	permissible	ADJ
cblr-9988	386	3	interest	interest	NOUN
cblr-9988	386	4	on	on	ADP
cblr-9988	386	5	loans	loan	NOUN
cblr-9988	386	6	that	that	PRON
cblr-9988	386	7	are	be	AUX
cblr-9988	386	8	sold	sell	VERB
cblr-9988	386	9	,	,	PUNCT
cblr-9988	386	10	assigned	assign	VERB
cblr-9988	386	11	,	,	PUNCT
cblr-9988	386	12	or	or	CCONJ
cblr-9988	386	13	otherwise	otherwise	ADV
cblr-9988	386	14	transferred	transfer	VERB
cblr-9988	386	15	,	,	PUNCT
cblr-9988	386	16	85	85	NUM
cblr-9988	386	17	fed	feed	VERB
cblr-9988	386	18	.	.	PUNCT
cblr-9988	387	1	reg	reg	PROPN
cblr-9988	387	2	.	.	PROPN
cblr-9988	388	1	33,530	33,530	NUM
cblr-9988	388	2	,	,	PUNCT
cblr-9988	388	3	33,530	33,530	NUM
cblr-9988	388	4	(	(	PUNCT
cblr-9988	388	5	jun	jun	PROPN
cblr-9988	388	6	.	.	PROPN
cblr-9988	388	7	2	2	NUM
cblr-9988	388	8	,	,	PUNCT
cblr-9988	388	9	2020	2020	NUM
cblr-9988	388	10	)	)	PUNCT
cblr-9988	388	11	(	(	PUNCT
cblr-9988	388	12	to	to	PART
cblr-9988	388	13	be	be	AUX
cblr-9988	388	14	codified	codify	VERB
cblr-9988	388	15	at	at	ADP
cblr-9988	388	16	12	12	NUM
cblr-9988	388	17	c.f.r	c.f.r	NOUN
cblr-9988	388	18	pts	pt	NOUN
cblr-9988	388	19	.	.	PROPN
cblr-9988	388	20	7	7	NUM
cblr-9988	388	21	,	,	PUNCT
cblr-9988	388	22	160	160	NUM
cblr-9988	388	23	)	)	PUNCT
cblr-9988	388	24	;	;	PUNCT
cblr-9988	388	25	see	see	VERB
cblr-9988	388	26	12	12	NUM
cblr-9988	388	27	c.f.r	c.f.r	NOUN
cblr-9988	388	28	.	.	PUNCT
cblr-9988	389	1	§	§	PROPN
cblr-9988	389	2	§	§	PROPN
cblr-9988	389	3	7.4001	7.4001	NUM
cblr-9988	389	4	,	,	PUNCT
cblr-9988	389	5	160.110	160.110	NUM
cblr-9988	389	6	(	(	PUNCT
cblr-9988	389	7	2021	2021	NUM
cblr-9988	389	8	)	)	PUNCT
cblr-9988	389	9	.	.	PUNCT
cblr-9988	390	1	125	125	NUM
cblr-9988	390	2	ofir	ofir	NOUN
cblr-9988	390	3	&	&	CCONJ
cblr-9988	390	4	sadeh	sadeh	PROPN
cblr-9988	390	5	,	,	PUNCT
cblr-9988	390	6	supra	supra	PROPN
cblr-9988	390	7	note	note	NOUN
cblr-9988	390	8	101	101	NUM
cblr-9988	390	9	,	,	PUNCT
cblr-9988	390	10	at	at	ADP
cblr-9988	390	11	739	739	NUM
cblr-9988	390	12	.	.	NOUN
cblr-9988	390	13	126	126	NUM
cblr-9988	391	1	i	i	PRON
cblr-9988	391	2	d.	d.	PROPN
cblr-9988	391	3	at	at	ADP
cblr-9988	391	4	738	738	NUM
cblr-9988	391	5	.	.	PUNCT
cblr-9988	392	1	127	127	NUM
cblr-9988	392	2	platform	platform	NOUN
cblr-9988	392	3	may	may	AUX
cblr-9988	392	4	still	still	ADV
cblr-9988	392	5	be	be	AUX
cblr-9988	392	6	incentivized	incentivize	VERB
cblr-9988	392	7	to	to	PART
cblr-9988	392	8	assess	assess	VERB
cblr-9988	392	9	creditworthiness	creditworthiness	NOUN
cblr-9988	392	10	carefully	carefully	ADV
cblr-9988	392	11	,	,	PUNCT
cblr-9988	392	12	however	however	ADV
cblr-9988	392	13	,	,	PUNCT
cblr-9988	392	14	to	to	PART
cblr-9988	392	15	maintain	maintain	VERB
cblr-9988	392	16	the	the	DET
cblr-9988	392	17	reputation	reputation	NOUN
cblr-9988	392	18	of	of	ADP
cblr-9988	392	19	their	their	PRON
cblr-9988	392	20	business	business	NOUN
cblr-9988	392	21	in	in	ADP
cblr-9988	392	22	the	the	DET
cblr-9988	392	23	long	long	ADJ
cblr-9988	392	24	run	run	NOUN
cblr-9988	392	25	.	.	PUNCT
cblr-9988	393	1	kevin	kevin	PROPN
cblr-9988	393	2	davis	davis	PROPN
cblr-9988	393	3	&	&	CCONJ
cblr-9988	393	4	jacob	jacob	PROPN
cblr-9988	393	5	murphy	murphy	PROPN
cblr-9988	393	6	,	,	PUNCT
cblr-9988	393	7	peer	peer	NOUN
cblr-9988	393	8	-	-	PUNCT
cblr-9988	393	9	to	to	ADP
cblr-9988	393	10	-	-	PUNCT
cblr-9988	393	11	peer	peer	NOUN
cblr-9988	393	12	lending	lending	NOUN
cblr-9988	393	13	:	:	PUNCT
cblr-9988	393	14	structures	structure	NOUN
cblr-9988	393	15	,	,	PUNCT
cblr-9988	393	16	risks	risk	NOUN
cblr-9988	393	17	and	and	CCONJ
cblr-9988	393	18	regulation	regulation	NOUN
cblr-9988	393	19	,	,	PUNCT
cblr-9988	393	20	jassa	jassa	PROPN
cblr-9988	393	21	finsia	finsia	PROPN
cblr-9988	393	22	j.	j.	PROPN
cblr-9988	393	23	applied	apply	VERB
cblr-9988	393	24	fin	fin	PROPN
cblr-9988	393	25	.	.	PUNCT
cblr-9988	393	26	,	,	PUNCT
cblr-9988	393	27	oct	oct	PROPN
cblr-9988	393	28	.	.	PROPN
cblr-9988	393	29	31	31	NUM
cblr-9988	393	30	,	,	PUNCT
cblr-9988	393	31	2016	2016	NUM
cblr-9988	393	32	,	,	PUNCT
cblr-9988	393	33	at	at	ADP
cblr-9988	393	34	39	39	NUM
cblr-9988	393	35	.	.	PUNCT
cblr-9988	394	1	646	646	NUM
cblr-9988	394	2	columbia	columbia	PROPN
cblr-9988	394	3	business	business	NOUN
cblr-9988	394	4	law	law	PROPN
cblr-9988	394	5	review	review	NOUN
cblr-9988	394	6	[	[	X
cblr-9988	394	7	vol	vol	NOUN
cblr-9988	394	8	.	.	PUNCT
cblr-9988	394	9	2022	2022	NUM
cblr-9988	394	10	1	1	NUM
cblr-9988	394	11	.	.	PUNCT
cblr-9988	395	1	online	online	ADJ
cblr-9988	395	2	lenders	lender	NOUN
cblr-9988	395	3	offer	offer	VERB
cblr-9988	395	4	more	more	ADJ
cblr-9988	395	5	opportunities	opportunity	NOUN
cblr-9988	395	6	for	for	ADP
cblr-9988	395	7	small	small	ADJ
cblr-9988	395	8	business	business	NOUN
cblr-9988	395	9	owners	owner	NOUN
cblr-9988	395	10	to	to	PART
cblr-9988	395	11	obtain	obtain	VERB
cblr-9988	395	12	loans	loan	NOUN
cblr-9988	395	13	and	and	CCONJ
cblr-9988	395	14	access	access	NOUN
cblr-9988	395	15	government	government	NOUN
cblr-9988	395	16	programs	program	NOUN
cblr-9988	395	17	there	there	PRON
cblr-9988	395	18	is	be	VERB
cblr-9988	395	19	some	some	DET
cblr-9988	395	20	data	datum	NOUN
cblr-9988	395	21	to	to	PART
cblr-9988	395	22	suggest	suggest	VERB
cblr-9988	395	23	that	that	SCONJ
cblr-9988	395	24	online	online	ADJ
cblr-9988	395	25	lenders	lender	NOUN
cblr-9988	395	26	are	be	AUX
cblr-9988	395	27	fulfilling	fulfil	VERB
cblr-9988	395	28	demand	demand	NOUN
cblr-9988	395	29	for	for	ADP
cblr-9988	395	30	small	small	ADJ
cblr-9988	395	31	business	business	NOUN
cblr-9988	395	32	loans	loan	NOUN
cblr-9988	395	33	when	when	SCONJ
cblr-9988	395	34	banks	bank	NOUN
cblr-9988	395	35	leave	leave	VERB
cblr-9988	395	36	markets.128	markets.128	NOUN
cblr-9988	395	37	if	if	SCONJ
cblr-9988	395	38	online	online	ADJ
cblr-9988	395	39	lenders	lender	NOUN
cblr-9988	395	40	were	be	AUX
cblr-9988	395	41	to	to	PART
cblr-9988	395	42	take	take	VERB
cblr-9988	395	43	on	on	ADP
cblr-9988	395	44	a	a	DET
cblr-9988	395	45	larger	large	ADJ
cblr-9988	395	46	role	role	NOUN
cblr-9988	395	47	in	in	ADP
cblr-9988	395	48	the	the	DET
cblr-9988	395	49	financial	financial	ADJ
cblr-9988	395	50	system	system	NOUN
cblr-9988	395	51	,	,	PUNCT
cblr-9988	395	52	this	this	PRON
cblr-9988	395	53	could	could	AUX
cblr-9988	395	54	ultimately	ultimately	ADV
cblr-9988	395	55	benefit	benefit	VERB
cblr-9988	395	56	minorityowned	minorityowned	ADJ
cblr-9988	395	57	businesses	business	NOUN
cblr-9988	395	58	,	,	PUNCT
cblr-9988	395	59	which	which	PRON
cblr-9988	395	60	often	often	ADV
cblr-9988	395	61	have	have	VERB
cblr-9988	395	62	weaker	weak	ADJ
cblr-9988	395	63	banking	banking	NOUN
cblr-9988	395	64	relationships	relationship	NOUN
cblr-9988	395	65	than	than	ADP
cblr-9988	395	66	white	white	ADV
cblr-9988	395	67	-	-	PUNCT
cblr-9988	395	68	owned	own	VERB
cblr-9988	395	69	businesses.129	businesses.129	NOUN
cblr-9988	395	70	in	in	ADP
cblr-9988	395	71	april	april	PROPN
cblr-9988	395	72	2020	2020	NUM
cblr-9988	395	73	,	,	PUNCT
cblr-9988	395	74	through	through	SCONJ
cblr-9988	395	75	ppp	ppp	PROPN
cblr-9988	395	76	,	,	PUNCT
cblr-9988	395	77	non	non	ADJ
cblr-9988	395	78	-	-	ADJ
cblr-9988	395	79	bank	bank	ADJ
cblr-9988	395	80	companies	company	NOUN
cblr-9988	395	81	,	,	PUNCT
cblr-9988	395	82	including	include	VERB
cblr-9988	395	83	fintech	fintech	NOUN
cblr-9988	395	84	companies	company	NOUN
cblr-9988	395	85	,	,	PUNCT
cblr-9988	395	86	were	be	AUX
cblr-9988	395	87	authorized	authorize	VERB
cblr-9988	395	88	to	to	PART
cblr-9988	395	89	distribute	distribute	VERB
cblr-9988	395	90	small	small	ADJ
cblr-9988	395	91	business	business	NOUN
cblr-9988	395	92	administration	administration	NOUN
cblr-9988	395	93	(	(	PUNCT
cblr-9988	395	94	sba	sba	PROPN
cblr-9988	395	95	)	)	PUNCT
cblr-9988	395	96	loans	loan	NOUN
cblr-9988	395	97	for	for	ADP
cblr-9988	395	98	the	the	DET
cblr-9988	395	99	first	first	ADJ
cblr-9988	395	100	time.130	time.130	NOUN
cblr-9988	395	101	because	because	SCONJ
cblr-9988	395	102	small	small	ADJ
cblr-9988	395	103	businesses	business	NOUN
cblr-9988	395	104	and	and	CCONJ
cblr-9988	395	105	minority	minority	NOUN
cblr-9988	395	106	-	-	PUNCT
cblr-9988	395	107	owned	own	VERB
cblr-9988	395	108	businesses	business	NOUN
cblr-9988	395	109	are	be	AUX
cblr-9988	395	110	less	less	ADV
cblr-9988	395	111	likely	likely	ADJ
cblr-9988	395	112	to	to	PART
cblr-9988	395	113	access	access	VERB
cblr-9988	395	114	credit	credit	NOUN
cblr-9988	395	115	from	from	ADP
cblr-9988	395	116	large	large	ADJ
cblr-9988	395	117	banks	bank	NOUN
cblr-9988	395	118	,	,	PUNCT
cblr-9988	395	119	they	they	PRON
cblr-9988	395	120	often	often	ADV
cblr-9988	395	121	turn	turn	VERB
cblr-9988	395	122	to	to	ADP
cblr-9988	395	123	fintech.131	fintech.131	PROPN
cblr-9988	395	124	thus	thus	ADV
cblr-9988	395	125	,	,	PUNCT
cblr-9988	395	126	by	by	ADP
cblr-9988	395	127	allowing	allow	VERB
cblr-9988	395	128	online	online	ADJ
cblr-9988	395	129	lenders	lender	NOUN
cblr-9988	395	130	to	to	PART
cblr-9988	395	131	administer	administer	VERB
cblr-9988	395	132	sba	sba	PROPN
cblr-9988	395	133	loans	loan	NOUN
cblr-9988	395	134	,	,	PUNCT
cblr-9988	395	135	their	their	PRON
cblr-9988	395	136	customers	customer	NOUN
cblr-9988	395	137	gain	gain	VERB
cblr-9988	395	138	access	access	NOUN
cblr-9988	395	139	to	to	ADP
cblr-9988	395	140	government	government	NOUN
cblr-9988	395	141	programs	program	NOUN
cblr-9988	395	142	such	such	ADJ
cblr-9988	395	143	as	as	ADP
cblr-9988	395	144	ppp	ppp	NOUN
cblr-9988	395	145	.	.	PROPN
cblr-9988	396	1	2	2	NUM
cblr-9988	396	2	.	.	X
cblr-9988	396	3	the	the	DET
cblr-9988	396	4	business	business	NOUN
cblr-9988	396	5	models	model	NOUN
cblr-9988	396	6	of	of	ADP
cblr-9988	396	7	online	online	ADJ
cblr-9988	396	8	lenders	lender	NOUN
cblr-9988	396	9	can	can	AUX
cblr-9988	396	10	be	be	AUX
cblr-9988	396	11	volatile	volatile	ADJ
cblr-9988	396	12	,	,	PUNCT
cblr-9988	396	13	providing	provide	VERB
cblr-9988	396	14	customers	customer	NOUN
cblr-9988	396	15	with	with	ADP
cblr-9988	396	16	less	less	ADJ
cblr-9988	396	17	stability	stability	NOUN
cblr-9988	396	18	because	because	SCONJ
cblr-9988	396	19	online	online	ADJ
cblr-9988	396	20	lenders	lender	NOUN
cblr-9988	396	21	generally	generally	ADV
cblr-9988	396	22	use	use	VERB
cblr-9988	396	23	an	an	DET
cblr-9988	396	24	issuing	issue	VERB
cblr-9988	396	25	bank	bank	NOUN
cblr-9988	396	26	to	to	PART
cblr-9988	396	27	originate	originate	VERB
cblr-9988	396	28	loans	loan	NOUN
cblr-9988	396	29	,	,	PUNCT
cblr-9988	396	30	or	or	CCONJ
cblr-9988	396	31	otherwise	otherwise	ADV
cblr-9988	396	32	fund	fund	VERB
cblr-9988	396	33	them	they	PRON
cblr-9988	396	34	through	through	ADP
cblr-9988	396	35	debt	debt	NOUN
cblr-9988	396	36	or	or	CCONJ
cblr-9988	396	37	securitization,132	securitization,132	NOUN
cblr-9988	396	38	they	they	PRON
cblr-9988	396	39	are	be	AUX
cblr-9988	396	40	not	not	PART
cblr-9988	396	41	subject	subject	ADJ
cblr-9988	396	42	to	to	ADP
cblr-9988	396	43	the	the	DET
cblr-9988	396	44	capital	capital	NOUN
cblr-9988	396	45	and	and	CCONJ
cblr-9988	396	46	liquidity	liquidity	NOUN
cblr-9988	396	47	requirements	requirement	NOUN
cblr-9988	396	48	imposed	impose	VERB
cblr-9988	396	49	on	on	ADP
cblr-9988	396	50	banks	bank	NOUN
cblr-9988	396	51	.	.	PUNCT
cblr-9988	397	1	as	as	ADP
cblr-9988	397	2	a	a	DET
cblr-9988	397	3	result	result	NOUN
cblr-9988	397	4	,	,	PUNCT
cblr-9988	397	5	online	online	NOUN
cblr-9988	397	6	128	128	NUM
cblr-9988	397	7	a	a	DET
cblr-9988	397	8	study	study	NOUN
cblr-9988	397	9	from	from	ADP
cblr-9988	397	10	october	october	PROPN
cblr-9988	397	11	2014	2014	NUM
cblr-9988	397	12	to	to	ADP
cblr-9988	397	13	march	march	PROPN
cblr-9988	397	14	2015	2015	NUM
cblr-9988	397	15	shows	show	VERB
cblr-9988	397	16	that	that	SCONJ
cblr-9988	397	17	twenty	twenty	NUM
cblr-9988	397	18	-	-	PUNCT
cblr-9988	397	19	five	five	NUM
cblr-9988	397	20	percent	percent	NOUN
cblr-9988	397	21	of	of	ADP
cblr-9988	397	22	paypal	paypal	PROPN
cblr-9988	397	23	working	working	PROPN
cblr-9988	397	24	capital	capital	NOUN
cblr-9988	397	25	loans	loan	NOUN
cblr-9988	397	26	went	go	VERB
cblr-9988	397	27	to	to	ADP
cblr-9988	397	28	the	the	DET
cblr-9988	397	29	three	three	NUM
cblr-9988	397	30	percent	percent	NOUN
cblr-9988	397	31	of	of	ADP
cblr-9988	397	32	counties	county	NOUN
cblr-9988	397	33	that	that	PRON
cblr-9988	397	34	lost	lose	VERB
cblr-9988	397	35	ten	ten	NUM
cblr-9988	397	36	or	or	CCONJ
cblr-9988	397	37	more	more	ADJ
cblr-9988	397	38	banks	bank	NOUN
cblr-9988	397	39	since	since	SCONJ
cblr-9988	397	40	the	the	DET
cblr-9988	397	41	financial	financial	ADJ
cblr-9988	397	42	crisis	crisis	NOUN
cblr-9988	397	43	.	.	PUNCT
cblr-9988	398	1	mills	mill	NOUN
cblr-9988	398	2	&	&	CCONJ
cblr-9988	398	3	mccarthy	mccarthy	PROPN
cblr-9988	398	4	,	,	PUNCT
cblr-9988	398	5	supra	supra	PROPN
cblr-9988	398	6	note	note	NOUN
cblr-9988	398	7	6	6	NUM
cblr-9988	398	8	,	,	PUNCT
cblr-9988	398	9	at	at	ADP
cblr-9988	398	10	47–48	47–48	NUM
cblr-9988	398	11	(	(	PUNCT
cblr-9988	398	12	citing	cite	VERB
cblr-9988	398	13	usman	usman	PROPN
cblr-9988	398	14	ahmed	ahmed	PROPN
cblr-9988	398	15	et	et	PROPN
cblr-9988	398	16	al	al	PROPN
cblr-9988	398	17	.	.	PROPN
cblr-9988	398	18	,	,	PUNCT
cblr-9988	398	19	filling	fill	VERB
cblr-9988	398	20	the	the	DET
cblr-9988	398	21	gap	gap	NOUN
cblr-9988	398	22	:	:	PUNCT
cblr-9988	398	23	how	how	SCONJ
cblr-9988	398	24	technology	technology	NOUN
cblr-9988	398	25	enables	enable	VERB
cblr-9988	398	26	access	access	NOUN
cblr-9988	398	27	to	to	ADP
cblr-9988	398	28	finance	finance	NOUN
cblr-9988	398	29	for	for	ADP
cblr-9988	398	30	smalland	smalland	NOUN
cblr-9988	398	31	mediumsized	mediumsize	VERB
cblr-9988	398	32	enterprises	enterprise	NOUN
cblr-9988	398	33	,	,	PUNCT
cblr-9988	398	34	innovations	innovation	NOUN
cblr-9988	398	35	:	:	PUNCT
cblr-9988	398	36	tech	tech	NOUN
cblr-9988	398	37	.	.	PUNCT
cblr-9988	398	38	&	&	CCONJ
cblr-9988	398	39	governance	governance	PROPN
cblr-9988	398	40	,	,	PUNCT
cblr-9988	398	41	july	july	PROPN
cblr-9988	398	42	1	1	NUM
cblr-9988	398	43	,	,	PUNCT
cblr-9988	398	44	2015	2015	NUM
cblr-9988	398	45	)	)	PUNCT
cblr-9988	398	46	.	.	PUNCT
cblr-9988	399	1	129	129	NUM
cblr-9988	399	2	see	see	VERB
cblr-9988	399	3	flitter	flitter	NOUN
cblr-9988	399	4	,	,	PUNCT
cblr-9988	399	5	supra	supra	PROPN
cblr-9988	399	6	note	note	NOUN
cblr-9988	399	7	36	36	NUM
cblr-9988	399	8	.	.	NOUN
cblr-9988	399	9	130	130	NUM
cblr-9988	399	10	olivia	olivia	PROPN
cblr-9988	399	11	rockeman	rockeman	NOUN
cblr-9988	399	12	,	,	PUNCT
cblr-9988	399	13	fintechs	fintech	NOUN
cblr-9988	399	14	poised	poise	VERB
cblr-9988	399	15	to	to	PART
cblr-9988	399	16	lock	lock	VERB
cblr-9988	399	17	in	in	ADP
cblr-9988	399	18	sudden	sudden	ADJ
cblr-9988	399	19	success	success	NOUN
cblr-9988	399	20	courtesy	courtesy	NOUN
cblr-9988	399	21	of	of	ADP
cblr-9988	399	22	crisis	crisis	NOUN
cblr-9988	399	23	era	era	NOUN
cblr-9988	399	24	,	,	PUNCT
cblr-9988	399	25	bloomberg	bloomberg	PROPN
cblr-9988	399	26	l.	l.	PROPN
cblr-9988	399	27	(	(	PUNCT
cblr-9988	399	28	may	may	PROPN
cblr-9988	399	29	4	4	NUM
cblr-9988	399	30	,	,	PUNCT
cblr-9988	399	31	2020	2020	NUM
cblr-9988	399	32	,	,	PUNCT
cblr-9988	399	33	9:16	9:16	NUM
cblr-9988	399	34	am	am	NOUN
cblr-9988	399	35	)	)	PUNCT
cblr-9988	399	36	,	,	PUNCT
cblr-9988	399	37	https://www.bloomberglaw.com/product/blaw/document/x1to7dfc000000	https://www.bloomberglaw.com/product/blaw/document/x1to7dfc000000	NUM
cblr-9988	400	1	[	[	X
cblr-9988	400	2	https://perma.cc/3uvv-e37f	https://perma.cc/3uvv-e37f	X
cblr-9988	400	3	]	]	X
cblr-9988	400	4	.	.	PUNCT
cblr-9988	401	1	131	131	NUM
cblr-9988	401	2	mills	mill	NOUN
cblr-9988	401	3	&	&	CCONJ
cblr-9988	401	4	mccarthy	mccarthy	PROPN
cblr-9988	401	5	,	,	PUNCT
cblr-9988	401	6	supra	supra	PROPN
cblr-9988	401	7	note	note	NOUN
cblr-9988	401	8	6	6	NUM
cblr-9988	401	9	,	,	PUNCT
cblr-9988	401	10	at	at	ADP
cblr-9988	401	11	3	3	NUM
cblr-9988	401	12	.	.	NOUN
cblr-9988	401	13	132	132	NUM
cblr-9988	401	14	for	for	ADP
cblr-9988	401	15	a	a	DET
cblr-9988	401	16	discussion	discussion	NOUN
cblr-9988	401	17	of	of	ADP
cblr-9988	401	18	the	the	DET
cblr-9988	401	19	business	business	NOUN
cblr-9988	401	20	models	model	NOUN
cblr-9988	401	21	of	of	ADP
cblr-9988	401	22	online	online	ADJ
cblr-9988	401	23	lenders	lender	NOUN
cblr-9988	401	24	,	,	PUNCT
cblr-9988	401	25	see	see	VERB
cblr-9988	401	26	supra	supra	PROPN
cblr-9988	401	27	section	section	PROPN
cblr-9988	401	28	iii.a	iii.a	PROPN
cblr-9988	401	29	.	.	PUNCT
cblr-9988	402	1	no	no	INTJ
cblr-9988	402	2	.	.	PUNCT
cblr-9988	403	1	1:621	1:621	NUM
cblr-9988	403	2	]	]	X
cblr-9988	403	3	expand	expand	VERB
cblr-9988	403	4	online	online	ADJ
cblr-9988	403	5	lending	lending	NOUN
cblr-9988	403	6	to	to	ADP
cblr-9988	403	7	minority	minority	NOUN
cblr-9988	403	8	business	business	NOUN
cblr-9988	403	9	owners	owner	NOUN
cblr-9988	403	10	647	647	NUM
cblr-9988	403	11	lenders	lender	NOUN
cblr-9988	403	12	can	can	AUX
cblr-9988	403	13	and	and	CCONJ
cblr-9988	403	14	do	do	VERB
cblr-9988	403	15	experience	experience	VERB
cblr-9988	403	16	liquidity	liquidity	NOUN
cblr-9988	403	17	problems	problem	NOUN
cblr-9988	403	18	during	during	ADP
cblr-9988	403	19	economic	economic	ADJ
cblr-9988	403	20	recessions	recession	NOUN
cblr-9988	403	21	.	.	PUNCT
cblr-9988	404	1	banks	bank	NOUN
cblr-9988	404	2	are	be	AUX
cblr-9988	404	3	subject	subject	ADJ
cblr-9988	404	4	to	to	ADP
cblr-9988	404	5	the	the	DET
cblr-9988	404	6	bank	bank	NOUN
cblr-9988	404	7	holding	hold	VERB
cblr-9988	404	8	company	company	NOUN
cblr-9988	404	9	act133	act133	PROPN
cblr-9988	404	10	and	and	CCONJ
cblr-9988	404	11	related	related	ADJ
cblr-9988	404	12	regulations	regulation	NOUN
cblr-9988	404	13	,	,	PUNCT
cblr-9988	404	14	including	include	VERB
cblr-9988	404	15	regulation	regulation	NOUN
cblr-9988	404	16	q	q	NOUN
cblr-9988	404	17	,	,	PUNCT
cblr-9988	404	18	which	which	PRON
cblr-9988	404	19	establishes	establish	VERB
cblr-9988	404	20	minimum	minimum	ADJ
cblr-9988	404	21	capital	capital	NOUN
cblr-9988	404	22	requirements134	requirements134	PROPN
cblr-9988	404	23	and	and	CCONJ
cblr-9988	404	24	overall	overall	ADJ
cblr-9988	404	25	capital	capital	NOUN
cblr-9988	404	26	adequacy	adequacy	NOUN
cblr-9988	404	27	standards.135	standards.135	NOUN
cblr-9988	404	28	these	these	DET
cblr-9988	404	29	requirements	requirement	NOUN
cblr-9988	404	30	are	be	AUX
cblr-9988	404	31	recommended	recommend	VERB
cblr-9988	404	32	by	by	ADP
cblr-9988	404	33	the	the	DET
cblr-9988	404	34	basel	basel	PROPN
cblr-9988	404	35	committee	committee	PROPN
cblr-9988	404	36	on	on	ADP
cblr-9988	404	37	banking	banking	NOUN
cblr-9988	404	38	supervision	supervision	NOUN
cblr-9988	404	39	to	to	PART
cblr-9988	404	40	enhance	enhance	VERB
cblr-9988	404	41	the	the	DET
cblr-9988	404	42	financial	financial	ADJ
cblr-9988	404	43	stability	stability	NOUN
cblr-9988	404	44	of	of	ADP
cblr-9988	404	45	banks	bank	NOUN
cblr-9988	404	46	around	around	ADP
cblr-9988	404	47	the	the	DET
cblr-9988	404	48	world.136	world.136	NOUN
cblr-9988	404	49	by	by	ADP
cblr-9988	404	50	following	follow	VERB
cblr-9988	404	51	capital	capital	NOUN
cblr-9988	404	52	requirements	requirement	NOUN
cblr-9988	404	53	,	,	PUNCT
cblr-9988	404	54	banks	bank	NOUN
cblr-9988	404	55	build	build	VERB
cblr-9988	404	56	up	up	ADP
cblr-9988	404	57	capital	capital	NOUN
cblr-9988	404	58	to	to	PART
cblr-9988	404	59	use	use	VERB
cblr-9988	404	60	in	in	ADP
cblr-9988	404	61	times	time	NOUN
cblr-9988	404	62	of	of	ADP
cblr-9988	404	63	financial	financial	ADJ
cblr-9988	404	64	stress	stress	NOUN
cblr-9988	404	65	,	,	PUNCT
cblr-9988	404	66	avoid	avoid	VERB
cblr-9988	404	67	taking	take	VERB
cblr-9988	404	68	on	on	ADP
cblr-9988	404	69	unnecessary	unnecessary	ADJ
cblr-9988	404	70	risk	risk	NOUN
cblr-9988	404	71	,	,	PUNCT
cblr-9988	404	72	and	and	CCONJ
cblr-9988	404	73	are	be	AUX
cblr-9988	404	74	better	well	ADV
cblr-9988	404	75	equipped	equip	VERB
cblr-9988	404	76	to	to	PART
cblr-9988	404	77	handle	handle	VERB
cblr-9988	404	78	economic	economic	ADJ
cblr-9988	404	79	downturns	downturn	NOUN
cblr-9988	404	80	,	,	PUNCT
cblr-9988	404	81	providing	provide	VERB
cblr-9988	404	82	customers	customer	NOUN
cblr-9988	404	83	and	and	CCONJ
cblr-9988	404	84	the	the	DET
cblr-9988	404	85	public	public	NOUN
cblr-9988	404	86	with	with	ADP
cblr-9988	404	87	greater	great	ADJ
cblr-9988	404	88	stability.137	stability.137	NOUN
cblr-9988	404	89	because	because	SCONJ
cblr-9988	404	90	online	online	ADJ
cblr-9988	404	91	lenders	lender	NOUN
cblr-9988	404	92	are	be	AUX
cblr-9988	404	93	not	not	PART
cblr-9988	404	94	subject	subject	ADJ
cblr-9988	404	95	to	to	ADP
cblr-9988	404	96	these	these	DET
cblr-9988	404	97	requirements	requirement	NOUN
cblr-9988	404	98	,	,	PUNCT
cblr-9988	404	99	their	their	PRON
cblr-9988	404	100	customers	customer	NOUN
cblr-9988	404	101	may	may	AUX
cblr-9988	404	102	face	face	VERB
cblr-9988	404	103	greater	great	ADJ
cblr-9988	404	104	uncertainty	uncertainty	NOUN
cblr-9988	404	105	over	over	ADP
cblr-9988	404	106	whether	whether	SCONJ
cblr-9988	404	107	they	they	PRON
cblr-9988	404	108	can	can	AUX
cblr-9988	404	109	obtain	obtain	VERB
cblr-9988	404	110	loans	loan	NOUN
cblr-9988	404	111	during	during	ADP
cblr-9988	404	112	an	an	DET
cblr-9988	404	113	economic	economic	ADJ
cblr-9988	404	114	downturn	downturn	NOUN
cblr-9988	404	115	.	.	PUNCT
cblr-9988	405	1	the	the	DET
cblr-9988	405	2	risk	risk	NOUN
cblr-9988	405	3	of	of	ADP
cblr-9988	405	4	illiquidity	illiquidity	NOUN
cblr-9988	405	5	is	be	AUX
cblr-9988	405	6	especially	especially	ADV
cblr-9988	405	7	great	great	ADJ
cblr-9988	405	8	with	with	ADP
cblr-9988	405	9	online	online	ADJ
cblr-9988	405	10	lenders	lender	NOUN
cblr-9988	405	11	that	that	PRON
cblr-9988	405	12	lend	lend	VERB
cblr-9988	405	13	to	to	ADP
cblr-9988	405	14	small	small	ADJ
cblr-9988	405	15	businesses	business	NOUN
cblr-9988	405	16	.	.	PUNCT
cblr-9988	406	1	ondeck	ondeck	PROPN
cblr-9988	406	2	,	,	PUNCT
cblr-9988	406	3	an	an	DET
cblr-9988	406	4	online	online	ADJ
cblr-9988	406	5	133	133	NUM
cblr-9988	406	6	pub	pub	NOUN
cblr-9988	406	7	.	.	PUNCT
cblr-9988	407	1	l.	l.	NOUN
cblr-9988	407	2	84	84	NUM
cblr-9988	407	3	-	-	SYM
cblr-9988	407	4	511	511	NUM
cblr-9988	407	5	,	,	PUNCT
cblr-9988	407	6	70	70	NUM
cblr-9988	407	7	stat	stat	NOUN
cblr-9988	407	8	.	.	PUNCT
cblr-9988	408	1	133	133	NUM
cblr-9988	408	2	(	(	PUNCT
cblr-9988	408	3	1956	1956	NUM
cblr-9988	408	4	)	)	PUNCT
cblr-9988	408	5	(	(	PUNCT
cblr-9988	408	6	codified	codify	VERB
cblr-9988	408	7	as	as	SCONJ
cblr-9988	408	8	amended	amend	VERB
cblr-9988	408	9	at	at	ADP
cblr-9988	408	10	12	12	NUM
cblr-9988	408	11	u.s.c	u.s.c	ADJ
cblr-9988	408	12	.	.	PUNCT
cblr-9988	409	1	§	§	PROPN
cblr-9988	409	2	1841–1849	1841–1849	NUM
cblr-9988	409	3	)	)	PUNCT
cblr-9988	409	4	.	.	PUNCT
cblr-9988	410	1	134	134	NUM
cblr-9988	410	2	12	12	NUM
cblr-9988	410	3	c.f.r	c.f.r	NOUN
cblr-9988	410	4	.	.	PUNCT
cblr-9988	411	1	§	§	PROPN
cblr-9988	411	2	217.10(a)(1	217.10(a)(1	NOUN
cblr-9988	411	3	)	)	PUNCT
cblr-9988	411	4	(	(	PUNCT
cblr-9988	411	5	2021	2021	NUM
cblr-9988	411	6	)	)	PUNCT
cblr-9988	411	7	(	(	PUNCT
cblr-9988	411	8	“	"	PUNCT
cblr-9988	411	9	a	a	DET
cblr-9988	411	10	board	board	NOUN
cblr-9988	411	11	-	-	PUNCT
cblr-9988	411	12	regulated	regulate	VERB
cblr-9988	411	13	institution	institution	NOUN
cblr-9988	411	14	must	must	AUX
cblr-9988	411	15	maintain	maintain	VERB
cblr-9988	411	16	the	the	DET
cblr-9988	411	17	following	follow	VERB
cblr-9988	411	18	minimum	minimum	ADJ
cblr-9988	411	19	capital	capital	NOUN
cblr-9988	411	20	ratios	ratio	NOUN
cblr-9988	411	21	:	:	PUNCT
cblr-9988	411	22	(	(	PUNCT
cblr-9988	411	23	i	i	NOUN
cblr-9988	411	24	)	)	PUNCT
cblr-9988	411	25	a	a	DET
cblr-9988	411	26	common	common	ADJ
cblr-9988	411	27	equity	equity	NOUN
cblr-9988	411	28	tier	tier	NOUN
cblr-9988	411	29	1	1	NUM
cblr-9988	411	30	capital	capital	NOUN
cblr-9988	411	31	ratio	ratio	NOUN
cblr-9988	411	32	of	of	ADP
cblr-9988	411	33	4.5	4.5	NUM
cblr-9988	411	34	percent	percent	NOUN
cblr-9988	411	35	.	.	PUNCT
cblr-9988	412	1	(	(	PUNCT
cblr-9988	412	2	ii	ii	NOUN
cblr-9988	412	3	)	)	PUNCT
cblr-9988	412	4	a	a	DET
cblr-9988	412	5	tier	tier	NOUN
cblr-9988	412	6	1	1	NUM
cblr-9988	412	7	capital	capital	NOUN
cblr-9988	412	8	ratio	ratio	NOUN
cblr-9988	412	9	of	of	ADP
cblr-9988	412	10	6	6	NUM
cblr-9988	412	11	percent	percent	NOUN
cblr-9988	412	12	.	.	PUNCT
cblr-9988	413	1	(	(	PUNCT
cblr-9988	413	2	iii	iii	X
cblr-9988	413	3	)	)	PUNCT
cblr-9988	413	4	a	a	DET
cblr-9988	413	5	total	total	ADJ
cblr-9988	413	6	capital	capital	NOUN
cblr-9988	413	7	ratio	ratio	NOUN
cblr-9988	413	8	of	of	ADP
cblr-9988	413	9	8	8	NUM
cblr-9988	413	10	percent	percent	NOUN
cblr-9988	413	11	.	.	PUNCT
cblr-9988	414	1	(	(	PUNCT
cblr-9988	414	2	iv	iv	X
cblr-9988	414	3	)	)	PUNCT
cblr-9988	414	4	a	a	DET
cblr-9988	414	5	leverage	leverage	NOUN
cblr-9988	414	6	ratio	ratio	NOUN
cblr-9988	414	7	of	of	ADP
cblr-9988	414	8	4	4	NUM
cblr-9988	414	9	percent	percent	NOUN
cblr-9988	414	10	.	.	PUNCT
cblr-9988	415	1	(	(	PUNCT
cblr-9988	415	2	v	v	NOUN
cblr-9988	415	3	)	)	PUNCT
cblr-9988	416	1	[	[	X
cblr-9988	416	2	requirements	requirement	NOUN
cblr-9988	416	3	for	for	ADP
cblr-9988	416	4	certain	certain	ADJ
cblr-9988	416	5	specified	specify	VERB
cblr-9988	416	6	institutions	institution	NOUN
cblr-9988	416	7	]	]	PUNCT
cblr-9988	416	8	.	.	PUNCT
cblr-9988	416	9	”	"	PUNCT
cblr-9988	416	10	)	)	PUNCT
cblr-9988	416	11	.	.	PUNCT
cblr-9988	417	1	requirements	requirement	NOUN
cblr-9988	417	2	(	(	PUNCT
cblr-9988	417	3	i	i	NOUN
cblr-9988	417	4	)	)	PUNCT
cblr-9988	417	5	to	to	ADP
cblr-9988	417	6	(	(	PUNCT
cblr-9988	417	7	iii	iii	X
cblr-9988	417	8	)	)	PUNCT
cblr-9988	417	9	compare	compare	VERB
cblr-9988	417	10	the	the	DET
cblr-9988	417	11	institution	institution	NOUN
cblr-9988	417	12	’s	’s	PART
cblr-9988	417	13	capital	capital	NOUN
cblr-9988	417	14	in	in	ADP
cblr-9988	417	15	the	the	DET
cblr-9988	417	16	specified	specified	ADJ
cblr-9988	417	17	category	category	NOUN
cblr-9988	417	18	to	to	ADP
cblr-9988	417	19	the	the	DET
cblr-9988	417	20	institution	institution	NOUN
cblr-9988	417	21	’s	’s	PART
cblr-9988	417	22	standardized	standardized	ADJ
cblr-9988	417	23	total	total	ADJ
cblr-9988	417	24	risk	risk	NOUN
cblr-9988	417	25	-	-	PUNCT
cblr-9988	417	26	weighted	weight	VERB
cblr-9988	417	27	assets	asset	NOUN
cblr-9988	417	28	.	.	PUNCT
cblr-9988	418	1	the	the	DET
cblr-9988	418	2	leverage	leverage	NOUN
cblr-9988	418	3	ratio	ratio	NOUN
cblr-9988	418	4	is	be	AUX
cblr-9988	418	5	the	the	DET
cblr-9988	418	6	institution	institution	NOUN
cblr-9988	418	7	’s	’s	PART
cblr-9988	418	8	tier	tier	NOUN
cblr-9988	418	9	1	1	NUM
cblr-9988	418	10	capital	capital	NOUN
cblr-9988	418	11	to	to	ADP
cblr-9988	418	12	the	the	DET
cblr-9988	418	13	institution	institution	NOUN
cblr-9988	418	14	’s	’s	PART
cblr-9988	418	15	average	average	ADJ
cblr-9988	418	16	total	total	ADJ
cblr-9988	418	17	consolidated	consolidated	ADJ
cblr-9988	418	18	assets	asset	NOUN
cblr-9988	418	19	.	.	PUNCT
cblr-9988	419	1	i	i	PRON
cblr-9988	419	2	d.	d.	PROPN
cblr-9988	419	3	§	§	PROPN
cblr-9988	419	4	217.10(b	217.10(b	NUM
cblr-9988	419	5	)	)	PUNCT
cblr-9988	419	6	.	.	PUNCT
cblr-9988	420	1	135	135	NUM
cblr-9988	421	1	i	i	PRON
cblr-9988	421	2	d.	d.	PROPN
cblr-9988	421	3	§	§	PROPN
cblr-9988	421	4	217.10(e)(1	217.10(e)(1	NUM
cblr-9988	421	5	)	)	PUNCT
cblr-9988	421	6	(	(	PUNCT
cblr-9988	421	7	“	"	PUNCT
cblr-9988	421	8	notwithstanding	notwithstanding	ADP
cblr-9988	421	9	the	the	DET
cblr-9988	421	10	minimum	minimum	ADJ
cblr-9988	421	11	requirements	requirement	NOUN
cblr-9988	421	12	in	in	ADP
cblr-9988	421	13	this	this	DET
cblr-9988	421	14	part	part	NOUN
cblr-9988	421	15	,	,	PUNCT
cblr-9988	421	16	a	a	DET
cblr-9988	421	17	board	board	NOUN
cblr-9988	421	18	-	-	PUNCT
cblr-9988	421	19	regulated	regulate	VERB
cblr-9988	421	20	institution	institution	NOUN
cblr-9988	421	21	must	must	AUX
cblr-9988	421	22	maintain	maintain	VERB
cblr-9988	421	23	capital	capital	NOUN
cblr-9988	421	24	commensurate	commensurate	NOUN
cblr-9988	421	25	with	with	ADP
cblr-9988	421	26	the	the	DET
cblr-9988	421	27	level	level	NOUN
cblr-9988	421	28	and	and	CCONJ
cblr-9988	421	29	nature	nature	NOUN
cblr-9988	421	30	of	of	ADP
cblr-9988	421	31	all	all	DET
cblr-9988	421	32	risks	risk	NOUN
cblr-9988	421	33	to	to	PART
cblr-9988	421	34	which	which	PRON
cblr-9988	421	35	the	the	DET
cblr-9988	421	36	boardregulated	boardregulate	VERB
cblr-9988	421	37	institution	institution	NOUN
cblr-9988	421	38	is	be	AUX
cblr-9988	421	39	exposed	expose	VERB
cblr-9988	421	40	.	.	PUNCT
cblr-9988	421	41	”	"	PUNCT
cblr-9988	421	42	)	)	PUNCT
cblr-9988	421	43	.	.	PUNCT
cblr-9988	422	1	136	136	NUM
cblr-9988	422	2	basel	basel	PROPN
cblr-9988	422	3	committee	committee	NOUN
cblr-9988	422	4	charter	charter	NOUN
cblr-9988	422	5	,	,	PUNCT
cblr-9988	422	6	bis	bis	PROPN
cblr-9988	422	7	(	(	PUNCT
cblr-9988	422	8	june	june	PROPN
cblr-9988	422	9	5	5	NUM
cblr-9988	422	10	,	,	PUNCT
cblr-9988	422	11	2018	2018	NUM
cblr-9988	422	12	)	)	PUNCT
cblr-9988	422	13	,	,	PUNCT
cblr-9988	422	14	https://www.bis.org/bcbs/charter.htm	https://www.bis.org/bcbs/charter.htm	X
cblr-9988	423	1	[	[	X
cblr-9988	423	2	https://perma.cc/m8ub-du4	https://perma.cc/m8ub-du4	NOUN
cblr-9988	423	3	m	m	PRON
cblr-9988	423	4	]	]	X
cblr-9988	423	5	.	.	PUNCT
cblr-9988	424	1	the	the	DET
cblr-9988	424	2	basel	basel	PROPN
cblr-9988	424	3	committee	committee	PROPN
cblr-9988	424	4	on	on	ADP
cblr-9988	424	5	banking	banking	NOUN
cblr-9988	424	6	supervision	supervision	NOUN
cblr-9988	424	7	does	do	AUX
cblr-9988	424	8	not	not	PART
cblr-9988	424	9	possess	possess	VERB
cblr-9988	424	10	authority	authority	NOUN
cblr-9988	424	11	to	to	PART
cblr-9988	424	12	mandate	mandate	VERB
cblr-9988	424	13	regulations	regulation	NOUN
cblr-9988	424	14	.	.	PUNCT
cblr-9988	425	1	i	i	PRON
cblr-9988	425	2	d.	d.	PROPN
cblr-9988	425	3	137	137	NUM
cblr-9988	425	4	see	see	VERB
cblr-9988	425	5	,	,	PUNCT
cblr-9988	425	6	e.g.	e.g.	ADV
cblr-9988	425	7	,	,	PUNCT
cblr-9988	425	8	jihad	jihad	NOUN
cblr-9988	425	9	dagher	dagher	PROPN
cblr-9988	425	10	et	et	PROPN
cblr-9988	425	11	al	al	PROPN
cblr-9988	425	12	.	.	PROPN
cblr-9988	425	13	,	,	PUNCT
cblr-9988	425	14	imf	imf	PROPN
cblr-9988	425	15	staff	staff	NOUN
cblr-9988	425	16	discussion	discussion	NOUN
cblr-9988	425	17	note	note	VERB
cblr-9988	425	18	:	:	PUNCT
cblr-9988	425	19	benefits	benefit	NOUN
cblr-9988	425	20	and	and	CCONJ
cblr-9988	425	21	costs	cost	NOUN
cblr-9988	425	22	of	of	ADP
cblr-9988	425	23	bank	bank	NOUN
cblr-9988	425	24	capital	capital	NOUN
cblr-9988	425	25	(	(	PUNCT
cblr-9988	425	26	2016	2016	NUM
cblr-9988	425	27	)	)	PUNCT
cblr-9988	425	28	,	,	PUNCT
cblr-9988	425	29	https://www.imf.org/external/pubs/ft/sdn/2016/sdn1604.pdf	https://www.imf.org/external/pubs/ft/sdn/2016/sdn1604.pdf	X
cblr-9988	425	30	(	(	PUNCT
cblr-9988	425	31	on	on	ADP
cblr-9988	425	32	file	file	NOUN
cblr-9988	425	33	with	with	ADP
cblr-9988	425	34	the	the	DET
cblr-9988	425	35	columbia	columbia	PROPN
cblr-9988	425	36	business	business	PROPN
cblr-9988	425	37	law	law	PROPN
cblr-9988	425	38	review	review	PROPN
cblr-9988	425	39	)	)	PUNCT
cblr-9988	425	40	.	.	PUNCT
cblr-9988	426	1	648	648	NUM
cblr-9988	426	2	columbia	columbia	PROPN
cblr-9988	426	3	business	business	NOUN
cblr-9988	426	4	law	law	PROPN
cblr-9988	426	5	review	review	NOUN
cblr-9988	426	6	[	[	X
cblr-9988	426	7	vol	vol	NOUN
cblr-9988	426	8	.	.	PUNCT
cblr-9988	426	9	2022	2022	NUM
cblr-9988	426	10	lender	lender	NOUN
cblr-9988	426	11	which	which	PRON
cblr-9988	426	12	specialized	specialize	VERB
cblr-9988	426	13	in	in	ADP
cblr-9988	426	14	lending	lending	NOUN
cblr-9988	426	15	to	to	ADP
cblr-9988	426	16	small	small	ADJ
cblr-9988	426	17	businesses	business	NOUN
cblr-9988	426	18	,	,	PUNCT
cblr-9988	426	19	experienced	experience	VERB
cblr-9988	426	20	a	a	DET
cblr-9988	426	21	sharp	sharp	ADJ
cblr-9988	426	22	decline	decline	NOUN
cblr-9988	426	23	in	in	ADP
cblr-9988	426	24	loans	loan	NOUN
cblr-9988	426	25	and	and	CCONJ
cblr-9988	426	26	finance	finance	NOUN
cblr-9988	426	27	receivables	receivables	NOUN
cblr-9988	426	28	as	as	ADP
cblr-9988	426	29	the	the	DET
cblr-9988	426	30	covid-19	covid-19	PROPN
cblr-9988	426	31	pandemic	pandemic	ADJ
cblr-9988	426	32	struck	strike	VERB
cblr-9988	426	33	.	.	PUNCT
cblr-9988	427	1	at	at	ADP
cblr-9988	427	2	the	the	DET
cblr-9988	427	3	end	end	NOUN
cblr-9988	427	4	of	of	ADP
cblr-9988	427	5	june	june	PROPN
cblr-9988	427	6	2020	2020	NUM
cblr-9988	427	7	,	,	PUNCT
cblr-9988	427	8	39.5	39.5	NUM
cblr-9988	427	9	%	%	NOUN
cblr-9988	427	10	of	of	ADP
cblr-9988	427	11	ondeck	ondeck	NOUN
cblr-9988	427	12	’s	’s	PART
cblr-9988	427	13	loans	loan	NOUN
cblr-9988	427	14	were	be	AUX
cblr-9988	427	15	at	at	ADP
cblr-9988	427	16	least	least	ADV
cblr-9988	427	17	15	15	NUM
cblr-9988	427	18	days	day	NOUN
cblr-9988	427	19	past	past	ADJ
cblr-9988	427	20	due	due	ADJ
cblr-9988	427	21	,	,	PUNCT
cblr-9988	427	22	compared	compare	VERB
cblr-9988	427	23	to	to	ADP
cblr-9988	427	24	10.3	10.3	NUM
cblr-9988	427	25	%	%	NOUN
cblr-9988	427	26	three	three	NUM
cblr-9988	427	27	months	month	NOUN
cblr-9988	427	28	earlier.138	earlier.138	PROPN
cblr-9988	427	29	ondeck	ondeck	NOUN
cblr-9988	427	30	stopped	stop	VERB
cblr-9988	427	31	originating	originate	VERB
cblr-9988	427	32	loans	loan	NOUN
cblr-9988	427	33	in	in	ADP
cblr-9988	427	34	may	may	AUX
cblr-9988	427	35	2020.139	2020.139	NUM
cblr-9988	427	36	many	many	ADJ
cblr-9988	427	37	of	of	ADP
cblr-9988	427	38	kabbage	kabbage	NOUN
cblr-9988	427	39	’s	’s	PART
cblr-9988	427	40	borrowers	borrower	NOUN
cblr-9988	427	41	went	go	VERB
cblr-9988	427	42	out	out	ADP
cblr-9988	427	43	of	of	ADP
cblr-9988	427	44	business	business	NOUN
cblr-9988	427	45	during	during	ADP
cblr-9988	427	46	the	the	DET
cblr-9988	427	47	covid-19	covid-19	PROPN
cblr-9988	427	48	pandemic.140	pandemic.140	PROPN
cblr-9988	427	49	kabbage	kabbage	NOUN
cblr-9988	427	50	stopped	stop	VERB
cblr-9988	427	51	originating	originate	VERB
cblr-9988	427	52	loans	loan	NOUN
cblr-9988	427	53	and	and	CCONJ
cblr-9988	427	54	instead	instead	ADV
cblr-9988	427	55	used	use	VERB
cblr-9988	427	56	their	their	PRON
cblr-9988	427	57	platform	platform	NOUN
cblr-9988	427	58	to	to	PART
cblr-9988	427	59	administer	administer	VERB
cblr-9988	427	60	ppp	ppp	NOUN
cblr-9988	427	61	loans.141	loans.141	NOUN
cblr-9988	427	62	3	3	NUM
cblr-9988	427	63	.	.	PUNCT
cblr-9988	428	1	some	some	DET
cblr-9988	428	2	platforms	platform	NOUN
cblr-9988	428	3	may	may	AUX
cblr-9988	428	4	impose	impose	VERB
cblr-9988	428	5	predatory	predatory	ADJ
cblr-9988	428	6	loan	loan	NOUN
cblr-9988	428	7	terms	term	NOUN
cblr-9988	428	8	interest	interest	NOUN
cblr-9988	428	9	rates	rate	NOUN
cblr-9988	428	10	on	on	ADP
cblr-9988	428	11	loans	loan	NOUN
cblr-9988	428	12	originated	originate	VERB
cblr-9988	428	13	by	by	ADP
cblr-9988	428	14	online	online	ADJ
cblr-9988	428	15	platforms	platform	NOUN
cblr-9988	428	16	can	can	AUX
cblr-9988	428	17	vary	vary	VERB
cblr-9988	428	18	greatly.142	greatly.142	PROPN
cblr-9988	428	19	furthermore	furthermore	ADV
cblr-9988	428	20	,	,	PUNCT
cblr-9988	428	21	if	if	SCONJ
cblr-9988	428	22	loans	loan	NOUN
cblr-9988	428	23	must	must	AUX
cblr-9988	428	24	be	be	AUX
cblr-9988	428	25	paid	pay	VERB
cblr-9988	428	26	back	back	ADV
cblr-9988	428	27	with	with	ADP
cblr-9988	428	28	a	a	DET
cblr-9988	428	29	short	short	ADJ
cblr-9988	428	30	period	period	NOUN
cblr-9988	428	31	of	of	ADP
cblr-9988	428	32	time	time	NOUN
cblr-9988	428	33	,	,	PUNCT
cblr-9988	428	34	the	the	DET
cblr-9988	428	35	annual	annual	ADJ
cblr-9988	428	36	percentage	percentage	NOUN
cblr-9988	428	37	rate	rate	NOUN
cblr-9988	428	38	(	(	PUNCT
cblr-9988	428	39	apr	apr	NOUN
cblr-9988	428	40	)	)	PUNCT
cblr-9988	428	41	can	can	AUX
cblr-9988	428	42	be	be	AUX
cblr-9988	428	43	astronomical	astronomical	ADJ
cblr-9988	428	44	.	.	PUNCT
cblr-9988	429	1	of	of	ADP
cblr-9988	429	2	the	the	DET
cblr-9988	429	3	borrowers	borrower	NOUN
cblr-9988	429	4	that	that	PRON
cblr-9988	429	5	applied	apply	VERB
cblr-9988	429	6	to	to	ADP
cblr-9988	429	7	the	the	DET
cblr-9988	429	8	opportunity	opportunity	NOUN
cblr-9988	429	9	fund	fund	NOUN
cblr-9988	429	10	for	for	ADP
cblr-9988	429	11	refinancing	refinance	VERB
cblr-9988	429	12	,	,	PUNCT
cblr-9988	429	13	the	the	DET
cblr-9988	429	14	average	average	ADJ
cblr-9988	429	15	apr	apr	NOUN
cblr-9988	429	16	on	on	ADP
cblr-9988	429	17	their	their	PRON
cblr-9988	429	18	loan(s	loan(s	NOUN
cblr-9988	429	19	)	)	PUNCT
cblr-9988	429	20	was	be	AUX
cblr-9988	429	21	94	94	NUM
cblr-9988	429	22	%	%	NOUN
cblr-9988	429	23	,	,	PUNCT
cblr-9988	429	24	with	with	ADP
cblr-9988	429	25	the	the	DET
cblr-9988	429	26	apr	apr	NOUN
cblr-9988	429	27	on	on	ADP
cblr-9988	429	28	one	one	NUM
cblr-9988	429	29	loan	loan	NOUN
cblr-9988	429	30	being	being	NOUN
cblr-9988	429	31	as	as	ADV
cblr-9988	429	32	high	high	ADJ
cblr-9988	429	33	as	as	ADP
cblr-9988	429	34	358%.143	358%.143	NOUN
cblr-9988	429	35	from	from	ADP
cblr-9988	429	36	the	the	DET
cblr-9988	429	37	perspective	perspective	NOUN
cblr-9988	429	38	of	of	ADP
cblr-9988	429	39	a	a	DET
cblr-9988	429	40	lender	lender	NOUN
cblr-9988	429	41	,	,	PUNCT
cblr-9988	429	42	higher	high	ADJ
cblr-9988	429	43	interest	interest	NOUN
cblr-9988	429	44	rates	rate	NOUN
cblr-9988	429	45	may	may	AUX
cblr-9988	429	46	be	be	AUX
cblr-9988	429	47	warranted	warrant	VERB
cblr-9988	429	48	,	,	PUNCT
cblr-9988	429	49	given	give	VERB
cblr-9988	429	50	the	the	DET
cblr-9988	429	51	risk	risk	NOUN
cblr-9988	429	52	of	of	ADP
cblr-9988	429	53	the	the	DET
cblr-9988	429	54	investment	investment	NOUN
cblr-9988	429	55	.	.	PUNCT
cblr-9988	430	1	loans	loan	NOUN
cblr-9988	430	2	originated	originate	VERB
cblr-9988	430	3	on	on	ADP
cblr-9988	430	4	online	online	ADJ
cblr-9988	430	5	lending	lending	NOUN
cblr-9988	430	6	platforms	platform	NOUN
cblr-9988	430	7	are	be	AUX
cblr-9988	430	8	generally	generally	ADV
cblr-9988	430	9	unsecured	unsecured	ADJ
cblr-9988	430	10	,	,	PUNCT
cblr-9988	430	11	with	with	ADP
cblr-9988	430	12	lenders	lender	NOUN
cblr-9988	430	13	only	only	ADV
cblr-9988	430	14	receiving	receive	VERB
cblr-9988	430	15	payment	payment	NOUN
cblr-9988	430	16	to	to	ADP
cblr-9988	430	17	the	the	DET
cblr-9988	430	18	extent	extent	NOUN
cblr-9988	430	19	138	138	NUM
cblr-9988	430	20	see	see	NOUN
cblr-9988	430	21	on	on	ADP
cblr-9988	430	22	deck	deck	NOUN
cblr-9988	430	23	capital	capital	PROPN
cblr-9988	430	24	,	,	PUNCT
cblr-9988	430	25	inc	inc	PROPN
cblr-9988	430	26	.	.	PROPN
cblr-9988	430	27	,	,	PUNCT
cblr-9988	430	28	quarterly	quarterly	ADJ
cblr-9988	430	29	report	report	NOUN
cblr-9988	430	30	(	(	PUNCT
cblr-9988	430	31	form	form	NOUN
cblr-9988	430	32	10	10	NUM
cblr-9988	430	33	-	-	PUNCT
cblr-9988	430	34	q	q	NOUN
cblr-9988	430	35	)	)	PUNCT
cblr-9988	430	36	,	,	PUNCT
cblr-9988	430	37	27	27	NUM
cblr-9988	430	38	(	(	PUNCT
cblr-9988	430	39	aug	aug	PROPN
cblr-9988	430	40	.	.	PROPN
cblr-9988	430	41	7	7	NUM
cblr-9988	430	42	,	,	PUNCT
cblr-9988	430	43	2020	2020	NUM
cblr-9988	430	44	)	)	PUNCT
cblr-9988	430	45	.	.	PUNCT
cblr-9988	431	1	139	139	NUM
cblr-9988	431	2	wack	wack	NOUN
cblr-9988	431	3	,	,	PUNCT
cblr-9988	431	4	supra	supra	PROPN
cblr-9988	431	5	note	note	VERB
cblr-9988	431	6	107	107	NUM
cblr-9988	431	7	.	.	PUNCT
cblr-9988	432	1	140	140	NUM
cblr-9988	432	2	derek	derek	PROPN
cblr-9988	432	3	willis	willis	PROPN
cblr-9988	432	4	&	&	CCONJ
cblr-9988	432	5	lydia	lydia	PROPN
cblr-9988	432	6	depillis	depillis	PROPN
cblr-9988	432	7	,	,	PUNCT
cblr-9988	432	8	hundreds	hundred	NOUN
cblr-9988	432	9	of	of	ADP
cblr-9988	432	10	ppp	ppp	NOUN
cblr-9988	432	11	loans	loan	NOUN
cblr-9988	432	12	went	go	VERB
cblr-9988	432	13	to	to	ADP
cblr-9988	432	14	fake	fake	ADJ
cblr-9988	432	15	farms	farm	NOUN
cblr-9988	432	16	in	in	ADP
cblr-9988	432	17	absurd	absurd	ADJ
cblr-9988	432	18	places	place	NOUN
cblr-9988	432	19	,	,	PUNCT
cblr-9988	432	20	counter	counter	X
cblr-9988	432	21	(	(	PUNCT
cblr-9988	432	22	may	may	PROPN
cblr-9988	432	23	19	19	NUM
cblr-9988	432	24	,	,	PUNCT
cblr-9988	432	25	2021	2021	NUM
cblr-9988	432	26	,	,	PUNCT
cblr-9988	432	27	1:14	1:14	NUM
cblr-9988	432	28	pm	pm	NOUN
cblr-9988	432	29	)	)	PUNCT
cblr-9988	432	30	,	,	PUNCT
cblr-9988	432	31	https://thecounter.org/hundreds-ppp-loans-fake-farms-kabbage-sba/	https://thecounter.org/hundreds-ppp-loans-fake-farms-kabbage-sba/	NOUN
cblr-9988	433	1	[	[	X
cblr-9988	433	2	https://perma.cc/f9mj-hgnj	https://perma.cc/f9mj-hgnj	NOUN
cblr-9988	433	3	]	]	X
cblr-9988	433	4	.	.	PUNCT
cblr-9988	434	1	141	141	NUM
cblr-9988	434	2	crosman	crosman	NOUN
cblr-9988	434	3	,	,	PUNCT
cblr-9988	434	4	supra	supra	NOUN
cblr-9988	434	5	note	note	NOUN
cblr-9988	434	6	104	104	NUM
cblr-9988	434	7	.	.	PUNCT
cblr-9988	434	8	142	142	NUM
cblr-9988	434	9	see	see	VERB
cblr-9988	434	10	mae	mae	PROPN
cblr-9988	434	11	anderson	anderson	PROPN
cblr-9988	434	12	,	,	PUNCT
cblr-9988	434	13	small	small	ADJ
cblr-9988	434	14	businesses	business	NOUN
cblr-9988	434	15	in	in	ADP
cblr-9988	434	16	need	need	NOUN
cblr-9988	434	17	of	of	ADP
cblr-9988	434	18	a	a	DET
cblr-9988	434	19	loan	loan	NOUN
cblr-9988	434	20	find	find	VERB
cblr-9988	434	21	banks	bank	NOUN
cblr-9988	434	22	are	be	AUX
cblr-9988	434	23	stingy	stingy	ADJ
cblr-9988	434	24	,	,	PUNCT
cblr-9988	434	25	abc	abc	PROPN
cblr-9988	434	26	n.	n.	PROPN
cblr-9988	434	27	(	(	PUNCT
cblr-9988	434	28	apr	apr	PROPN
cblr-9988	434	29	.	.	PROPN
cblr-9988	434	30	4	4	NUM
cblr-9988	434	31	,	,	PUNCT
cblr-9988	434	32	2022	2022	NUM
cblr-9988	434	33	,	,	PUNCT
cblr-9988	434	34	11:04	11:04	NUM
cblr-9988	434	35	am	am	NOUN
cblr-9988	434	36	)	)	PUNCT
cblr-9988	434	37	,	,	PUNCT
cblr-9988	434	38	https://abcnews.go.com/business/wirestory/small-businesses-loan-findbanks-stingy-83863360	https://abcnews.go.com/business/wirestory/small-businesses-loan-findbanks-stingy-83863360	PROPN
cblr-9988	434	39	[	[	X
cblr-9988	434	40	https://perma.cc/q23t-8hvb	https://perma.cc/q23t-8hvb	PROPN
cblr-9988	434	41	]	]	X
cblr-9988	434	42	.	.	PUNCT
cblr-9988	435	1	143	143	NUM
cblr-9988	435	2	eric	eric	PROPN
cblr-9988	435	3	weaver	weaver	PROPN
cblr-9988	435	4	,	,	PUNCT
cblr-9988	435	5	gwendy	gwendy	NOUN
cblr-9988	435	6	donaker	donaker	NOUN
cblr-9988	435	7	brown	brown	PROPN
cblr-9988	435	8	&	&	CCONJ
cblr-9988	435	9	caitlin	caitlin	PROPN
cblr-9988	435	10	mcshane	mcshane	PROPN
cblr-9988	435	11	,	,	PUNCT
cblr-9988	435	12	unaffordable	unaffordable	ADJ
cblr-9988	435	13	and	and	CCONJ
cblr-9988	435	14	unsustainable	unsustainable	ADJ
cblr-9988	435	15	:	:	PUNCT
cblr-9988	435	16	the	the	DET
cblr-9988	435	17	new	new	ADJ
cblr-9988	435	18	business	business	NOUN
cblr-9988	435	19	lending	lending	NOUN
cblr-9988	435	20	on	on	ADP
cblr-9988	435	21	main	main	ADJ
cblr-9988	435	22	street	street	NOUN
cblr-9988	435	23	3	3	NUM
cblr-9988	435	24	(	(	PUNCT
cblr-9988	435	25	2016	2016	NUM
cblr-9988	435	26	)	)	PUNCT
cblr-9988	435	27	,	,	PUNCT
cblr-9988	435	28	https://aofund.org/app/uploads/2021/03/unaffordable-andunsustainable-the-new-business-lending-on-main-street_opportunityfund-research-report_may-2016.pdf	https://aofund.org/app/uploads/2021/03/unaffordable-andunsustainable-the-new-business-lending-on-main-street_opportunityfund-research-report_may-2016.pdf	X
cblr-9988	435	29	[	[	X
cblr-9988	435	30	https://perma.cc/6cd4-lxap	https://perma.cc/6cd4-lxap	X
cblr-9988	435	31	]	]	X
cblr-9988	435	32	.	.	PUNCT
cblr-9988	436	1	no	no	INTJ
cblr-9988	436	2	.	.	PUNCT
cblr-9988	437	1	1:621	1:621	NUM
cblr-9988	437	2	]	]	X
cblr-9988	437	3	expand	expand	VERB
cblr-9988	437	4	online	online	ADJ
cblr-9988	437	5	lending	lending	NOUN
cblr-9988	437	6	to	to	ADP
cblr-9988	437	7	minority	minority	NOUN
cblr-9988	437	8	business	business	NOUN
cblr-9988	437	9	owners	owner	NOUN
cblr-9988	437	10	649	649	NUM
cblr-9988	437	11	that	that	SCONJ
cblr-9988	437	12	the	the	DET
cblr-9988	437	13	borrower	borrower	NOUN
cblr-9988	437	14	has	have	AUX
cblr-9988	437	15	made	make	VERB
cblr-9988	437	16	payments	payment	NOUN
cblr-9988	437	17	on	on	ADP
cblr-9988	437	18	the	the	DET
cblr-9988	437	19	loan.144	loan.144	NOUN
cblr-9988	437	20	moreover	moreover	ADV
cblr-9988	437	21	,	,	PUNCT
cblr-9988	437	22	allowing	allow	VERB
cblr-9988	437	23	higher	high	ADJ
cblr-9988	437	24	interest	interest	NOUN
cblr-9988	437	25	rates	rate	NOUN
cblr-9988	437	26	may	may	AUX
cblr-9988	437	27	be	be	AUX
cblr-9988	437	28	necessary	necessary	ADJ
cblr-9988	437	29	to	to	PART
cblr-9988	437	30	ensure	ensure	VERB
cblr-9988	437	31	access	access	NOUN
cblr-9988	437	32	to	to	ADP
cblr-9988	437	33	credit	credit	NOUN
cblr-9988	437	34	for	for	ADP
cblr-9988	437	35	higher	high	ADJ
cblr-9988	437	36	-	-	PUNCT
cblr-9988	437	37	risk	risk	NOUN
cblr-9988	437	38	borrowers	borrower	NOUN
cblr-9988	437	39	:	:	PUNCT
cblr-9988	437	40	an	an	DET
cblr-9988	437	41	empirical	empirical	ADJ
cblr-9988	437	42	study	study	NOUN
cblr-9988	437	43	showed	show	VERB
cblr-9988	437	44	that	that	SCONJ
cblr-9988	437	45	madden	madden	PROPN
cblr-9988	437	46	v.	v.	PROPN
cblr-9988	437	47	midland	midland	PROPN
cblr-9988	437	48	funding	funding	PROPN
cblr-9988	437	49	,	,	PUNCT
cblr-9988	437	50	llc,145	llc,145	NUM
cblr-9988	437	51	which	which	PRON
cblr-9988	437	52	caused	cause	VERB
cblr-9988	437	53	uncertainty	uncertainty	NOUN
cblr-9988	437	54	over	over	ADP
cblr-9988	437	55	whether	whether	SCONJ
cblr-9988	437	56	interest	interest	NOUN
cblr-9988	437	57	rates	rate	NOUN
cblr-9988	437	58	exceeding	exceed	VERB
cblr-9988	437	59	the	the	DET
cblr-9988	437	60	usury	usury	NOUN
cblr-9988	437	61	cap	cap	NOUN
cblr-9988	437	62	would	would	AUX
cblr-9988	437	63	be	be	AUX
cblr-9988	437	64	enforced	enforce	VERB
cblr-9988	437	65	,	,	PUNCT
cblr-9988	437	66	resulted	result	VERB
cblr-9988	437	67	in	in	ADP
cblr-9988	437	68	a	a	DET
cblr-9988	437	69	decline	decline	NOUN
cblr-9988	437	70	in	in	ADP
cblr-9988	437	71	marketplace	marketplace	NOUN
cblr-9988	437	72	lending	lending	NOUN
cblr-9988	437	73	to	to	ADP
cblr-9988	437	74	higher	high	ADJ
cblr-9988	437	75	-	-	PUNCT
cblr-9988	437	76	risk	risk	NOUN
cblr-9988	437	77	borrowers	borrower	NOUN
cblr-9988	437	78	in	in	ADP
cblr-9988	437	79	connecticut	connecticut	NOUN
cblr-9988	437	80	and	and	CCONJ
cblr-9988	437	81	new	new	ADJ
cblr-9988	437	82	york.146	york.146	NOUN
cblr-9988	437	83	specifically	specifically	ADV
cblr-9988	437	84	,	,	PUNCT
cblr-9988	437	85	there	there	PRON
cblr-9988	437	86	was	be	VERB
cblr-9988	437	87	a	a	DET
cblr-9988	437	88	decline	decline	NOUN
cblr-9988	437	89	in	in	ADP
cblr-9988	437	90	new	new	ADJ
cblr-9988	437	91	loans	loan	NOUN
cblr-9988	437	92	above	above	ADP
cblr-9988	437	93	the	the	DET
cblr-9988	437	94	state	state	NOUN
cblr-9988	437	95	usury	usury	NOUN
cblr-9988	437	96	rates	rate	NOUN
cblr-9988	437	97	in	in	ADP
cblr-9988	437	98	connecticut	connecticut	PROPN
cblr-9988	437	99	and	and	CCONJ
cblr-9988	437	100	new	new	PROPN
cblr-9988	437	101	york	york	PROPN
cblr-9988	437	102	,	,	PUNCT
cblr-9988	437	103	while	while	SCONJ
cblr-9988	437	104	new	new	ADJ
cblr-9988	437	105	loans	loan	NOUN
cblr-9988	437	106	under	under	ADP
cblr-9988	437	107	the	the	DET
cblr-9988	437	108	usury	usury	NOUN
cblr-9988	437	109	rate	rate	NOUN
cblr-9988	437	110	continued	continue	VERB
cblr-9988	437	111	to	to	PART
cblr-9988	437	112	grow	grow	VERB
cblr-9988	437	113	on	on	ADP
cblr-9988	437	114	pace	pace	NOUN
cblr-9988	437	115	with	with	ADP
cblr-9988	437	116	other	other	ADJ
cblr-9988	437	117	states.147	states.147	PROPN
cblr-9988	437	118	furthermore	furthermore	ADV
cblr-9988	437	119	,	,	PUNCT
cblr-9988	437	120	the	the	DET
cblr-9988	437	121	decline	decline	NOUN
cblr-9988	437	122	was	be	AUX
cblr-9988	437	123	attributable	attributable	ADJ
cblr-9988	437	124	to	to	ADP
cblr-9988	437	125	high	high	ADJ
cblr-9988	437	126	-	-	PUNCT
cblr-9988	437	127	risk	risk	NOUN
cblr-9988	437	128	borrowers	borrower	NOUN
cblr-9988	437	129	receiving	receive	VERB
cblr-9988	437	130	fewer	few	ADJ
cblr-9988	437	131	loans	loan	NOUN
cblr-9988	437	132	,	,	PUNCT
cblr-9988	437	133	not	not	PART
cblr-9988	437	134	high	high	ADJ
cblr-9988	437	135	-	-	PUNCT
cblr-9988	437	136	risk	risk	NOUN
cblr-9988	437	137	borrowers	borrower	NOUN
cblr-9988	437	138	being	be	AUX
cblr-9988	437	139	charged	charge	VERB
cblr-9988	437	140	lower	low	ADJ
cblr-9988	437	141	interest	interest	NOUN
cblr-9988	437	142	rates	rate	NOUN
cblr-9988	437	143	—	—	PUNCT
cblr-9988	437	144	borrowers	borrower	NOUN
cblr-9988	437	145	with	with	ADP
cblr-9988	437	146	lower	low	ADJ
cblr-9988	437	147	fico	fico	NOUN
cblr-9988	437	148	scores	score	NOUN
cblr-9988	437	149	,	,	PUNCT
cblr-9988	437	150	especially	especially	ADV
cblr-9988	437	151	those	those	PRON
cblr-9988	437	152	with	with	ADP
cblr-9988	437	153	scores	score	NOUN
cblr-9988	437	154	below	below	ADP
cblr-9988	437	155	625	625	NUM
cblr-9988	437	156	,	,	PUNCT
cblr-9988	437	157	sharply	sharply	ADV
cblr-9988	437	158	declined.148	declined.148	PROPN
cblr-9988	437	159	because	because	SCONJ
cblr-9988	437	160	loans	loan	NOUN
cblr-9988	437	161	with	with	ADP
cblr-9988	437	162	higher	high	ADJ
cblr-9988	437	163	interest	interest	NOUN
cblr-9988	437	164	rates	rate	NOUN
cblr-9988	437	165	are	be	AUX
cblr-9988	437	166	harder	hard	ADJ
cblr-9988	437	167	to	to	PART
cblr-9988	437	168	repay	repay	VERB
cblr-9988	437	169	,	,	PUNCT
cblr-9988	437	170	lending	lending	NOUN
cblr-9988	437	171	club	club	NOUN
cblr-9988	437	172	borrowers	borrower	NOUN
cblr-9988	437	173	who	who	PRON
cblr-9988	437	174	had	have	VERB
cblr-9988	437	175	a	a	DET
cblr-9988	437	176	higher	high	ADJ
cblr-9988	437	177	interest	interest	NOUN
cblr-9988	437	178	rate	rate	NOUN
cblr-9988	437	179	have	have	VERB
cblr-9988	437	180	higher	high	ADJ
cblr-9988	437	181	probabilities	probability	NOUN
cblr-9988	437	182	of	of	ADP
cblr-9988	437	183	default.149	default.149	PROPN
cblr-9988	437	184	in	in	ADP
cblr-9988	437	185	summary	summary	NOUN
cblr-9988	437	186	,	,	PUNCT
cblr-9988	437	187	online	online	ADJ
cblr-9988	437	188	lenders	lender	NOUN
cblr-9988	437	189	provide	provide	VERB
cblr-9988	437	190	loans	loan	NOUN
cblr-9988	437	191	to	to	ADP
cblr-9988	437	192	those	those	PRON
cblr-9988	437	193	with	with	ADP
cblr-9988	437	194	limited	limited	ADJ
cblr-9988	437	195	credit	credit	NOUN
cblr-9988	437	196	data	datum	NOUN
cblr-9988	437	197	but	but	CCONJ
cblr-9988	437	198	fail	fail	VERB
cblr-9988	437	199	to	to	PART
cblr-9988	437	200	serve	serve	VERB
cblr-9988	437	201	as	as	ADP
cblr-9988	437	202	a	a	DET
cblr-9988	437	203	consistent	consistent	ADJ
cblr-9988	437	204	source	source	NOUN
cblr-9988	437	205	of	of	ADP
cblr-9988	437	206	access	access	NOUN
cblr-9988	437	207	to	to	ADP
cblr-9988	437	208	credit	credit	NOUN
cblr-9988	437	209	,	,	PUNCT
cblr-9988	437	210	particularly	particularly	ADV
cblr-9988	437	211	for	for	ADP
cblr-9988	437	212	small	small	ADJ
cblr-9988	437	213	business	business	NOUN
cblr-9988	437	214	borrowers	borrower	NOUN
cblr-9988	437	215	.	.	PUNCT
cblr-9988	438	1	furthermore	furthermore	ADV
cblr-9988	438	2	,	,	PUNCT
cblr-9988	438	3	though	though	SCONJ
cblr-9988	438	4	higher	high	ADJ
cblr-9988	438	5	interest	interest	NOUN
cblr-9988	438	6	rates	rate	NOUN
cblr-9988	438	7	may	may	AUX
cblr-9988	438	8	be	be	AUX
cblr-9988	438	9	warranted	warrant	VERB
cblr-9988	438	10	by	by	ADP
cblr-9988	438	11	the	the	DET
cblr-9988	438	12	additional	additional	ADJ
cblr-9988	438	13	risk	risk	NOUN
cblr-9988	438	14	online	online	ADJ
cblr-9988	438	15	lenders	lender	NOUN
cblr-9988	438	16	are	be	AUX
cblr-9988	438	17	taking	take	VERB
cblr-9988	438	18	on	on	ADP
cblr-9988	438	19	,	,	PUNCT
cblr-9988	438	20	some	some	DET
cblr-9988	438	21	144	144	NUM
cblr-9988	438	22	see	see	VERB
cblr-9988	438	23	lendingclub	lendingclub	PROPN
cblr-9988	438	24	corp	corp	PROPN
cblr-9988	438	25	.	.	PROPN
cblr-9988	438	26	,	,	PUNCT
cblr-9988	438	27	registration	registration	NOUN
cblr-9988	438	28	statement	statement	NOUN
cblr-9988	438	29	(	(	PUNCT
cblr-9988	438	30	form	form	NOUN
cblr-9988	438	31	s-3	s-3	NUM
cblr-9988	438	32	)	)	PUNCT
cblr-9988	438	33	,	,	PUNCT
cblr-9988	438	34	17	17	NUM
cblr-9988	438	35	(	(	PUNCT
cblr-9988	438	36	aug	aug	PROPN
cblr-9988	438	37	.	.	PROPN
cblr-9988	438	38	9	9	NUM
cblr-9988	438	39	,	,	PUNCT
cblr-9988	438	40	2019	2019	NUM
cblr-9988	438	41	)	)	PUNCT
cblr-9988	438	42	.	.	PUNCT
cblr-9988	439	1	145	145	NUM
cblr-9988	439	2	786	786	NUM
cblr-9988	439	3	f.3d	f.3d	NUM
cblr-9988	439	4	246	246	NUM
cblr-9988	439	5	(	(	PUNCT
cblr-9988	439	6	2d	2d	NUM
cblr-9988	439	7	cir	cir	NOUN
cblr-9988	439	8	.	.	PROPN
cblr-9988	439	9	2015	2015	NUM
cblr-9988	439	10	)	)	PUNCT
cblr-9988	439	11	.	.	PUNCT
cblr-9988	440	1	madden	madden	PROPN
cblr-9988	440	2	has	have	AUX
cblr-9988	440	3	since	since	ADV
cblr-9988	440	4	been	be	AUX
cblr-9988	440	5	overruled	overrule	VERB
cblr-9988	440	6	by	by	ADP
cblr-9988	440	7	the	the	DET
cblr-9988	440	8	occ	occ	NOUN
cblr-9988	440	9	rule	rule	NOUN
cblr-9988	440	10	.	.	PUNCT
cblr-9988	441	1	see	see	VERB
cblr-9988	441	2	supra	supra	PROPN
cblr-9988	441	3	note	note	PROPN
cblr-9988	441	4	124	124	NUM
cblr-9988	441	5	and	and	CCONJ
cblr-9988	441	6	accompanying	accompany	VERB
cblr-9988	441	7	text	text	NOUN
cblr-9988	441	8	.	.	PUNCT
cblr-9988	442	1	146	146	NUM
cblr-9988	442	2	colleen	colleen	PROPN
cblr-9988	442	3	honigsberg	honigsberg	PROPN
cblr-9988	442	4	,	,	PUNCT
cblr-9988	442	5	robert	robert	PROPN
cblr-9988	442	6	j.	j.	PROPN
cblr-9988	442	7	jackson	jackson	PROPN
cblr-9988	442	8	,	,	PUNCT
cblr-9988	442	9	jr	jr	PROPN
cblr-9988	442	10	.	.	PROPN
cblr-9988	442	11	&	&	CCONJ
cblr-9988	442	12	richard	richard	PROPN
cblr-9988	442	13	squire	squire	PROPN
cblr-9988	442	14	,	,	PUNCT
cblr-9988	442	15	how	how	SCONJ
cblr-9988	442	16	does	do	AUX
cblr-9988	442	17	legal	legal	ADJ
cblr-9988	442	18	enforceability	enforceability	NOUN
cblr-9988	442	19	affect	affect	VERB
cblr-9988	442	20	consumer	consumer	NOUN
cblr-9988	442	21	lending	lending	NOUN
cblr-9988	442	22	?	?	PUNCT
cblr-9988	443	1	evidence	evidence	NOUN
cblr-9988	443	2	from	from	ADP
cblr-9988	443	3	a	a	DET
cblr-9988	443	4	natural	natural	ADJ
cblr-9988	443	5	experiment	experiment	NOUN
cblr-9988	443	6	,	,	PUNCT
cblr-9988	443	7	60	60	NUM
cblr-9988	443	8	j.l	j.l	PROPN
cblr-9988	443	9	.	.	PROPN
cblr-9988	443	10	&	&	CCONJ
cblr-9988	443	11	econ	econ	PROPN
cblr-9988	443	12	.	.	PUNCT
cblr-9988	444	1	673	673	NUM
cblr-9988	444	2	,	,	PUNCT
cblr-9988	444	3	675	675	NUM
cblr-9988	444	4	(	(	PUNCT
cblr-9988	444	5	2017	2017	NUM
cblr-9988	444	6	)	)	PUNCT
cblr-9988	444	7	.	.	PUNCT
cblr-9988	445	1	one	one	NUM
cblr-9988	445	2	study	study	NOUN
cblr-9988	445	3	found	find	VERB
cblr-9988	445	4	that	that	SCONJ
cblr-9988	445	5	lenders	lender	NOUN
cblr-9988	445	6	stopped	stop	VERB
cblr-9988	445	7	lending	lend	VERB
cblr-9988	445	8	to	to	ADP
cblr-9988	445	9	borrowers	borrower	NOUN
cblr-9988	445	10	who	who	PRON
cblr-9988	445	11	were	be	AUX
cblr-9988	445	12	likeliest	likeli	ADJ
cblr-9988	445	13	to	to	PART
cblr-9988	445	14	borrow	borrow	VERB
cblr-9988	445	15	above	above	ADP
cblr-9988	445	16	usury	usury	NOUN
cblr-9988	445	17	rates	rate	NOUN
cblr-9988	445	18	after	after	ADP
cblr-9988	445	19	the	the	DET
cblr-9988	445	20	madden	madden	PROPN
cblr-9988	445	21	decision	decision	NOUN
cblr-9988	445	22	.	.	PUNCT
cblr-9988	446	1	i	i	PRON
cblr-9988	446	2	d.	d.	PROPN
cblr-9988	446	3	while	while	SCONJ
cblr-9988	446	4	there	there	PRON
cblr-9988	446	5	were	be	VERB
cblr-9988	446	6	hundreds	hundred	NOUN
cblr-9988	446	7	of	of	ADP
cblr-9988	446	8	loans	loan	NOUN
cblr-9988	446	9	issued	issue	VERB
cblr-9988	446	10	to	to	ADP
cblr-9988	446	11	borrowers	borrower	NOUN
cblr-9988	446	12	in	in	ADP
cblr-9988	446	13	connecticut	connecticut	PROPN
cblr-9988	446	14	and	and	CCONJ
cblr-9988	446	15	new	new	PROPN
cblr-9988	446	16	york	york	PROPN
cblr-9988	446	17	with	with	ADP
cblr-9988	446	18	fico	fico	PROPN
cblr-9988	446	19	scores	score	NOUN
cblr-9988	446	20	below	below	ADP
cblr-9988	446	21	640	640	NUM
cblr-9988	446	22	in	in	ADP
cblr-9988	446	23	the	the	DET
cblr-9988	446	24	first	first	ADJ
cblr-9988	446	25	half	half	NOUN
cblr-9988	446	26	of	of	ADP
cblr-9988	446	27	2015	2015	NUM
cblr-9988	446	28	,	,	PUNCT
cblr-9988	446	29	there	there	PRON
cblr-9988	446	30	were	be	VERB
cblr-9988	446	31	none	none	NOUN
cblr-9988	446	32	after	after	ADP
cblr-9988	446	33	july	july	PROPN
cblr-9988	446	34	2015	2015	NUM
cblr-9988	446	35	.	.	PUNCT
cblr-9988	447	1	i	i	PRON
cblr-9988	447	2	d.	d.	PROPN
cblr-9988	447	3	at	at	ADP
cblr-9988	447	4	the	the	DET
cblr-9988	447	5	same	same	ADJ
cblr-9988	447	6	time	time	NOUN
cblr-9988	447	7	,	,	PUNCT
cblr-9988	447	8	loans	loan	NOUN
cblr-9988	447	9	to	to	ADP
cblr-9988	447	10	highest	high	ADJ
cblr-9988	447	11	-	-	PUNCT
cblr-9988	447	12	risk	risk	NOUN
cblr-9988	447	13	borrowers	borrower	NOUN
cblr-9988	447	14	were	be	AUX
cblr-9988	447	15	still	still	ADV
cblr-9988	447	16	being	be	AUX
cblr-9988	447	17	made	make	VERB
cblr-9988	447	18	in	in	ADP
cblr-9988	447	19	other	other	ADJ
cblr-9988	447	20	states	state	NOUN
cblr-9988	447	21	.	.	PUNCT
cblr-9988	448	1	i	i	PRON
cblr-9988	448	2	d.	d.	PROPN
cblr-9988	448	3	at	at	ADP
cblr-9988	448	4	676	676	NUM
cblr-9988	448	5	.	.	PUNCT
cblr-9988	449	1	147	147	NUM
cblr-9988	450	1	i	i	PRON
cblr-9988	450	2	d.	d.	PROPN
cblr-9988	450	3	at	at	ADP
cblr-9988	450	4	694	694	NUM
cblr-9988	450	5	.	.	PUNCT
cblr-9988	451	1	148	148	NUM
cblr-9988	452	1	i	i	PRON
cblr-9988	452	2	d.	d.	PROPN
cblr-9988	452	3	at	at	ADP
cblr-9988	452	4	697	697	NUM
cblr-9988	452	5	.	.	NOUN
cblr-9988	452	6	149	149	NUM
cblr-9988	452	7	jagtiani	jagtiani	NOUN
cblr-9988	452	8	,	,	PUNCT
cblr-9988	452	9	supra	supra	PROPN
cblr-9988	452	10	note	note	PROPN
cblr-9988	452	11	108	108	NUM
cblr-9988	452	12	,	,	PUNCT
cblr-9988	452	13	at	at	ADP
cblr-9988	452	14	27	27	NUM
cblr-9988	452	15	.	.	PUNCT
cblr-9988	453	1	650	650	NUM
cblr-9988	453	2	columbia	columbia	PROPN
cblr-9988	453	3	business	business	NOUN
cblr-9988	453	4	law	law	PROPN
cblr-9988	453	5	review	review	NOUN
cblr-9988	453	6	[	[	X
cblr-9988	453	7	vol	vol	NOUN
cblr-9988	453	8	.	.	PUNCT
cblr-9988	454	1	2022	2022	NUM
cblr-9988	454	2	platforms	platform	NOUN
cblr-9988	454	3	charge	charge	VERB
cblr-9988	454	4	astronomical	astronomical	ADJ
cblr-9988	454	5	interest	interest	NOUN
cblr-9988	454	6	rates	rate	NOUN
cblr-9988	454	7	that	that	PRON
cblr-9988	454	8	are	be	AUX
cblr-9988	454	9	hard	hard	ADJ
cblr-9988	454	10	to	to	PART
cblr-9988	454	11	repay	repay	VERB
cblr-9988	454	12	.	.	PUNCT
cblr-9988	455	1	iv	iv	X
cblr-9988	455	2	.	.	PUNCT
cblr-9988	456	1	online	online	ADJ
cblr-9988	456	2	lenders	lender	NOUN
cblr-9988	456	3	could	could	AUX
cblr-9988	456	4	provide	provide	VERB
cblr-9988	456	5	more	more	ADV
cblr-9988	456	6	consistent	consistent	ADJ
cblr-9988	456	7	access	access	NOUN
cblr-9988	456	8	to	to	ADP
cblr-9988	456	9	credit	credit	NOUN
cblr-9988	456	10	if	if	SCONJ
cblr-9988	456	11	they	they	PRON
cblr-9988	456	12	are	be	AUX
cblr-9988	456	13	subjected	subject	VERB
cblr-9988	456	14	to	to	ADP
cblr-9988	456	15	capital	capital	NOUN
cblr-9988	456	16	and	and	CCONJ
cblr-9988	456	17	liquidity	liquidity	NOUN
cblr-9988	456	18	requirements	requirement	NOUN
cblr-9988	456	19	this	this	DET
cblr-9988	456	20	part	part	NOUN
cblr-9988	456	21	outlines	outline	VERB
cblr-9988	456	22	potential	potential	ADJ
cblr-9988	456	23	strategies	strategy	NOUN
cblr-9988	456	24	to	to	PART
cblr-9988	456	25	regulate	regulate	VERB
cblr-9988	456	26	online	online	ADJ
cblr-9988	456	27	lending	lending	NOUN
cblr-9988	456	28	to	to	PART
cblr-9988	456	29	ensure	ensure	VERB
cblr-9988	456	30	minority	minority	NOUN
cblr-9988	456	31	business	business	NOUN
cblr-9988	456	32	owners	owner	NOUN
cblr-9988	456	33	have	have	VERB
cblr-9988	456	34	consistent	consistent	ADJ
cblr-9988	456	35	access	access	NOUN
cblr-9988	456	36	to	to	ADP
cblr-9988	456	37	credit	credit	NOUN
cblr-9988	456	38	.	.	PUNCT
cblr-9988	457	1	this	this	DET
cblr-9988	457	2	part	part	NOUN
cblr-9988	457	3	proposes	propose	VERB
cblr-9988	457	4	that	that	SCONJ
cblr-9988	457	5	the	the	DET
cblr-9988	457	6	government	government	NOUN
cblr-9988	457	7	impose	impose	VERB
cblr-9988	457	8	capital	capital	NOUN
cblr-9988	457	9	and	and	CCONJ
cblr-9988	457	10	liquidity	liquidity	NOUN
cblr-9988	457	11	requirements	requirement	NOUN
cblr-9988	457	12	on	on	ADP
cblr-9988	457	13	online	online	ADJ
cblr-9988	457	14	lenders	lender	NOUN
cblr-9988	457	15	to	to	PART
cblr-9988	457	16	ensure	ensure	VERB
cblr-9988	457	17	that	that	SCONJ
cblr-9988	457	18	they	they	PRON
cblr-9988	457	19	can	can	AUX
cblr-9988	457	20	continue	continue	VERB
cblr-9988	457	21	serving	serve	VERB
cblr-9988	457	22	borrowers	borrower	NOUN
cblr-9988	457	23	during	during	ADP
cblr-9988	457	24	an	an	DET
cblr-9988	457	25	economic	economic	ADJ
cblr-9988	457	26	downturn.150	downturn.150	NOUN
cblr-9988	457	27	section	section	NOUN
cblr-9988	457	28	a	a	PRON
cblr-9988	457	29	argues	argue	VERB
cblr-9988	457	30	that	that	SCONJ
cblr-9988	457	31	a	a	DET
cblr-9988	457	32	program	program	NOUN
cblr-9988	457	33	to	to	PART
cblr-9988	457	34	increase	increase	VERB
cblr-9988	457	35	online	online	ADJ
cblr-9988	457	36	lending	lending	NOUN
cblr-9988	457	37	to	to	ADP
cblr-9988	457	38	minority	minority	NOUN
cblr-9988	457	39	business	business	NOUN
cblr-9988	457	40	owners	owner	NOUN
cblr-9988	457	41	should	should	AUX
cblr-9988	457	42	incentivize	incentivize	VERB
cblr-9988	457	43	lenders	lender	NOUN
cblr-9988	457	44	to	to	PART
cblr-9988	457	45	invest	invest	VERB
cblr-9988	457	46	in	in	ADP
cblr-9988	457	47	low	low	ADJ
cblr-9988	457	48	-	-	PUNCT
cblr-9988	457	49	income	income	NOUN
cblr-9988	457	50	and	and	CCONJ
cblr-9988	457	51	minority	minority	NOUN
cblr-9988	457	52	communities	community	NOUN
cblr-9988	457	53	rather	rather	ADV
cblr-9988	457	54	than	than	ADP
cblr-9988	457	55	impose	impose	VERB
cblr-9988	457	56	a	a	DET
cblr-9988	457	57	mandatory	mandatory	ADJ
cblr-9988	457	58	requirement	requirement	NOUN
cblr-9988	457	59	.	.	PUNCT
cblr-9988	458	1	for	for	ADP
cblr-9988	458	2	online	online	ADJ
cblr-9988	458	3	lenders	lender	NOUN
cblr-9988	458	4	that	that	PRON
cblr-9988	458	5	seek	seek	VERB
cblr-9988	458	6	to	to	PART
cblr-9988	458	7	offer	offer	VERB
cblr-9988	458	8	services	service	NOUN
cblr-9988	458	9	similar	similar	ADJ
cblr-9988	458	10	to	to	ADP
cblr-9988	458	11	those	those	PRON
cblr-9988	458	12	of	of	ADP
cblr-9988	458	13	banks	bank	NOUN
cblr-9988	458	14	,	,	PUNCT
cblr-9988	458	15	the	the	DET
cblr-9988	458	16	occ	occ	NOUN
cblr-9988	458	17	’s	’s	PART
cblr-9988	458	18	proposal	proposal	NOUN
cblr-9988	458	19	,	,	PUNCT
cblr-9988	458	20	discussed	discuss	VERB
cblr-9988	458	21	in	in	ADP
cblr-9988	458	22	section	section	NOUN
cblr-9988	458	23	b	b	PROPN
cblr-9988	458	24	,	,	PUNCT
cblr-9988	458	25	would	would	AUX
cblr-9988	458	26	grant	grant	VERB
cblr-9988	458	27	such	such	ADJ
cblr-9988	458	28	companies	company	NOUN
cblr-9988	458	29	a	a	DET
cblr-9988	458	30	special	special	ADJ
cblr-9988	458	31	purpose	purpose	NOUN
cblr-9988	458	32	bank	bank	NOUN
cblr-9988	458	33	charter	charter	NOUN
cblr-9988	458	34	.	.	PUNCT
cblr-9988	459	1	the	the	DET
cblr-9988	459	2	charter	charter	NOUN
cblr-9988	459	3	balances	balance	VERB
cblr-9988	459	4	the	the	DET
cblr-9988	459	5	imposition	imposition	NOUN
cblr-9988	459	6	of	of	ADP
cblr-9988	459	7	regulatory	regulatory	ADJ
cblr-9988	459	8	requirements	requirement	NOUN
cblr-9988	459	9	,	,	PUNCT
cblr-9988	459	10	including	include	VERB
cblr-9988	459	11	capital	capital	NOUN
cblr-9988	459	12	and	and	CCONJ
cblr-9988	459	13	liquidity	liquidity	NOUN
cblr-9988	459	14	requirements	requirement	NOUN
cblr-9988	459	15	,	,	PUNCT
cblr-9988	459	16	with	with	ADP
cblr-9988	459	17	the	the	DET
cblr-9988	459	18	goal	goal	NOUN
cblr-9988	459	19	of	of	ADP
cblr-9988	459	20	allowing	allow	VERB
cblr-9988	459	21	fintech	fintech	NOUN
cblr-9988	459	22	companies	company	NOUN
cblr-9988	459	23	to	to	PART
cblr-9988	459	24	maintain	maintain	VERB
cblr-9988	459	25	their	their	PRON
cblr-9988	459	26	innovative	innovative	ADJ
cblr-9988	459	27	business	business	NOUN
cblr-9988	459	28	models	model	NOUN
cblr-9988	459	29	.	.	PUNCT
cblr-9988	460	1	section	section	NOUN
cblr-9988	460	2	c	c	PROPN
cblr-9988	460	3	proposes	propose	VERB
cblr-9988	460	4	a	a	DET
cblr-9988	460	5	program	program	NOUN
cblr-9988	460	6	that	that	PRON
cblr-9988	460	7	would	would	AUX
cblr-9988	460	8	incentivize	incentivize	VERB
cblr-9988	460	9	online	online	ADJ
cblr-9988	460	10	lenders	lender	NOUN
cblr-9988	460	11	to	to	PART
cblr-9988	460	12	invest	invest	VERB
cblr-9988	460	13	in	in	ADP
cblr-9988	460	14	low	low	ADJ
cblr-9988	460	15	-	-	PUNCT
cblr-9988	460	16	income	income	NOUN
cblr-9988	460	17	communities	community	NOUN
cblr-9988	460	18	through	through	ADP
cblr-9988	460	19	a	a	DET
cblr-9988	460	20	subsidy	subsidy	NOUN
cblr-9988	460	21	program	program	NOUN
cblr-9988	460	22	similar	similar	ADJ
cblr-9988	460	23	to	to	ADP
cblr-9988	460	24	the	the	DET
cblr-9988	460	25	cdfi	cdfi	PROPN
cblr-9988	460	26	program	program	NOUN
cblr-9988	460	27	,	,	PUNCT
cblr-9988	460	28	which	which	PRON
cblr-9988	460	29	certifies	certify	VERB
cblr-9988	460	30	certain	certain	ADJ
cblr-9988	460	31	online	online	ADJ
cblr-9988	460	32	lenders	lender	NOUN
cblr-9988	460	33	for	for	ADP
cblr-9988	460	34	providing	provide	VERB
cblr-9988	460	35	a	a	DET
cblr-9988	460	36	substantial	substantial	ADJ
cblr-9988	460	37	amount	amount	NOUN
cblr-9988	460	38	of	of	ADP
cblr-9988	460	39	loans	loan	NOUN
cblr-9988	460	40	in	in	ADP
cblr-9988	460	41	low	low	ADJ
cblr-9988	460	42	-	-	PUNCT
cblr-9988	460	43	income	income	NOUN
cblr-9988	460	44	communities	community	NOUN
cblr-9988	460	45	.	.	PUNCT
cblr-9988	461	1	certification	certification	NOUN
cblr-9988	461	2	makes	make	VERB
cblr-9988	461	3	these	these	DET
cblr-9988	461	4	lenders	lender	NOUN
cblr-9988	461	5	eligible	eligible	ADJ
cblr-9988	461	6	for	for	ADP
cblr-9988	461	7	government	government	NOUN
cblr-9988	461	8	grants	grant	NOUN
cblr-9988	461	9	,	,	PUNCT
cblr-9988	461	10	conditioned	condition	VERB
cblr-9988	461	11	upon	upon	SCONJ
cblr-9988	461	12	the	the	DET
cblr-9988	461	13	funding	funding	NOUN
cblr-9988	461	14	being	be	AUX
cblr-9988	461	15	used	use	VERB
cblr-9988	461	16	to	to	PART
cblr-9988	461	17	maintain	maintain	VERB
cblr-9988	461	18	capital	capital	NOUN
cblr-9988	461	19	reserves	reserve	NOUN
cblr-9988	461	20	.	.	PUNCT
cblr-9988	462	1	a.	a.	NOUN
cblr-9988	462	2	an	an	DET
cblr-9988	462	3	incentive	incentive	NOUN
cblr-9988	462	4	-	-	PUNCT
cblr-9988	462	5	based	base	VERB
cblr-9988	462	6	system	system	NOUN
cblr-9988	462	7	allows	allow	VERB
cblr-9988	462	8	online	online	ADJ
cblr-9988	462	9	lenders	lender	NOUN
cblr-9988	462	10	to	to	PART
cblr-9988	462	11	preserve	preserve	VERB
cblr-9988	462	12	their	their	PRON
cblr-9988	462	13	innovation	innovation	NOUN
cblr-9988	462	14	-	-	PUNCT
cblr-9988	462	15	based	base	VERB
cblr-9988	462	16	business	business	NOUN
cblr-9988	462	17	model	model	NOUN
cblr-9988	462	18	online	online	ADJ
cblr-9988	462	19	lenders	lender	NOUN
cblr-9988	462	20	emerged	emerge	VERB
cblr-9988	462	21	to	to	PART
cblr-9988	462	22	fill	fill	VERB
cblr-9988	462	23	a	a	DET
cblr-9988	462	24	gap	gap	NOUN
cblr-9988	462	25	in	in	ADP
cblr-9988	462	26	the	the	DET
cblr-9988	462	27	credit	credit	NOUN
cblr-9988	462	28	market	market	NOUN
cblr-9988	462	29	,	,	PUNCT
cblr-9988	462	30	differentiating	differentiate	VERB
cblr-9988	462	31	them	they	PRON
cblr-9988	462	32	from	from	ADP
cblr-9988	462	33	banks	bank	NOUN
cblr-9988	462	34	.	.	PUNCT
cblr-9988	463	1	banks	bank	NOUN
cblr-9988	463	2	have	have	VERB
cblr-9988	463	3	traditionally	traditionally	ADV
cblr-9988	463	4	150	150	NUM
cblr-9988	463	5	a	a	DET
cblr-9988	463	6	discussion	discussion	NOUN
cblr-9988	463	7	of	of	ADP
cblr-9988	463	8	solutions	solution	NOUN
cblr-9988	463	9	to	to	ADP
cblr-9988	463	10	predatory	predatory	ADJ
cblr-9988	463	11	pricing	pricing	NOUN
cblr-9988	463	12	is	be	AUX
cblr-9988	463	13	beyond	beyond	ADP
cblr-9988	463	14	the	the	DET
cblr-9988	463	15	scope	scope	NOUN
cblr-9988	463	16	of	of	ADP
cblr-9988	463	17	this	this	DET
cblr-9988	463	18	note	note	NOUN
cblr-9988	463	19	.	.	PUNCT
cblr-9988	464	1	no	no	INTJ
cblr-9988	464	2	.	.	PUNCT
cblr-9988	465	1	1:621	1:621	NUM
cblr-9988	465	2	]	]	X
cblr-9988	465	3	expand	expand	VERB
cblr-9988	465	4	online	online	ADJ
cblr-9988	465	5	lending	lending	NOUN
cblr-9988	465	6	to	to	ADP
cblr-9988	465	7	minority	minority	NOUN
cblr-9988	465	8	business	business	NOUN
cblr-9988	465	9	owners	owner	NOUN
cblr-9988	465	10	651	651	NUM
cblr-9988	465	11	been	be	AUX
cblr-9988	465	12	viewed	view	VERB
cblr-9988	465	13	as	as	ADP
cblr-9988	465	14	institutions	institution	NOUN
cblr-9988	465	15	serving	serve	VERB
cblr-9988	465	16	the	the	DET
cblr-9988	465	17	public	public	NOUN
cblr-9988	465	18	:	:	PUNCT
cblr-9988	465	19	professor	professor	NOUN
cblr-9988	465	20	baradaran	baradaran	NOUN
cblr-9988	465	21	posits	posit	VERB
cblr-9988	465	22	that	that	SCONJ
cblr-9988	465	23	banking	banking	NOUN
cblr-9988	465	24	reforms	reform	NOUN
cblr-9988	465	25	from	from	ADP
cblr-9988	465	26	the	the	DET
cblr-9988	465	27	new	new	ADJ
cblr-9988	465	28	deal	deal	NOUN
cblr-9988	465	29	and	and	CCONJ
cblr-9988	465	30	the	the	DET
cblr-9988	465	31	civil	civil	ADJ
cblr-9988	465	32	rights	right	NOUN
cblr-9988	465	33	eras	era	NOUN
cblr-9988	465	34	created	create	VERB
cblr-9988	465	35	a	a	DET
cblr-9988	465	36	“	"	PUNCT
cblr-9988	465	37	social	social	ADJ
cblr-9988	465	38	contract	contract	NOUN
cblr-9988	465	39	”	"	PUNCT
cblr-9988	465	40	between	between	ADP
cblr-9988	465	41	banks	bank	NOUN
cblr-9988	465	42	and	and	CCONJ
cblr-9988	465	43	the	the	DET
cblr-9988	465	44	public.151	public.151	PROPN
cblr-9988	465	45	under	under	ADP
cblr-9988	465	46	this	this	DET
cblr-9988	465	47	view	view	NOUN
cblr-9988	465	48	of	of	ADP
cblr-9988	465	49	banks	bank	NOUN
cblr-9988	465	50	as	as	ADP
cblr-9988	465	51	publicserving	publicserve	VERB
cblr-9988	465	52	institutions	institution	NOUN
cblr-9988	465	53	,	,	PUNCT
cblr-9988	465	54	it	it	PRON
cblr-9988	465	55	makes	make	VERB
cblr-9988	465	56	sense	sense	NOUN
cblr-9988	465	57	to	to	PART
cblr-9988	465	58	subject	subject	VERB
cblr-9988	465	59	banks	bank	NOUN
cblr-9988	465	60	to	to	ADP
cblr-9988	465	61	mandatory	mandatory	ADJ
cblr-9988	465	62	financial	financial	ADJ
cblr-9988	465	63	requirements	requirement	NOUN
cblr-9988	465	64	such	such	ADJ
cblr-9988	465	65	as	as	ADP
cblr-9988	465	66	the	the	DET
cblr-9988	465	67	cra.152	cra.152	NOUN
cblr-9988	465	68	online	online	ADJ
cblr-9988	465	69	lenders	lender	NOUN
cblr-9988	465	70	do	do	AUX
cblr-9988	465	71	not	not	PART
cblr-9988	465	72	have	have	VERB
cblr-9988	465	73	that	that	DET
cblr-9988	465	74	same	same	ADJ
cblr-9988	465	75	history	history	NOUN
cblr-9988	465	76	of	of	ADP
cblr-9988	465	77	serving	serve	VERB
cblr-9988	465	78	the	the	DET
cblr-9988	465	79	public	public	NOUN
cblr-9988	465	80	,	,	PUNCT
cblr-9988	465	81	thus	thus	ADV
cblr-9988	465	82	there	there	PRON
cblr-9988	465	83	is	be	VERB
cblr-9988	465	84	less	less	ADJ
cblr-9988	465	85	of	of	ADP
cblr-9988	465	86	a	a	DET
cblr-9988	465	87	compelling	compelling	ADJ
cblr-9988	465	88	argument	argument	NOUN
cblr-9988	465	89	for	for	ADP
cblr-9988	465	90	subjecting	subject	VERB
cblr-9988	465	91	them	they	PRON
cblr-9988	465	92	to	to	ADP
cblr-9988	465	93	mandatory	mandatory	ADJ
cblr-9988	465	94	financial	financial	ADJ
cblr-9988	465	95	inclusion	inclusion	NOUN
cblr-9988	465	96	requirements	requirement	NOUN
cblr-9988	465	97	.	.	PUNCT
cblr-9988	466	1	similarly	similarly	ADV
cblr-9988	466	2	,	,	PUNCT
cblr-9988	466	3	because	because	SCONJ
cblr-9988	466	4	comprehensive	comprehensive	ADJ
cblr-9988	466	5	regulation	regulation	NOUN
cblr-9988	466	6	of	of	ADP
cblr-9988	466	7	banks	bank	NOUN
cblr-9988	466	8	is	be	AUX
cblr-9988	466	9	partly	partly	ADV
cblr-9988	466	10	due	due	ADJ
cblr-9988	466	11	to	to	ADP
cblr-9988	466	12	their	their	PRON
cblr-9988	466	13	importance	importance	NOUN
cblr-9988	466	14	in	in	ADP
cblr-9988	466	15	the	the	DET
cblr-9988	466	16	economy,153	economy,153	PROPN
cblr-9988	466	17	there	there	PRON
cblr-9988	466	18	is	be	VERB
cblr-9988	466	19	less	less	ADJ
cblr-9988	466	20	of	of	ADP
cblr-9988	466	21	a	a	DET
cblr-9988	466	22	compelling	compelling	ADJ
cblr-9988	466	23	argument	argument	NOUN
cblr-9988	466	24	for	for	ADP
cblr-9988	466	25	subjecting	subject	VERB
cblr-9988	466	26	online	online	ADJ
cblr-9988	466	27	lenders	lender	NOUN
cblr-9988	466	28	to	to	ADP
cblr-9988	466	29	mandatory	mandatory	ADJ
cblr-9988	466	30	capital	capital	NOUN
cblr-9988	466	31	and	and	CCONJ
cblr-9988	466	32	liquidity	liquidity	NOUN
cblr-9988	466	33	requirements	requirement	NOUN
cblr-9988	466	34	.	.	PUNCT
cblr-9988	467	1	online	online	ADJ
cblr-9988	467	2	lenders	lender	NOUN
cblr-9988	467	3	emerged	emerge	VERB
cblr-9988	467	4	as	as	ADP
cblr-9988	467	5	a	a	DET
cblr-9988	467	6	solution	solution	NOUN
cblr-9988	467	7	to	to	PART
cblr-9988	467	8	fulfill	fulfill	VERB
cblr-9988	467	9	a	a	DET
cblr-9988	467	10	consumer	consumer	NOUN
cblr-9988	467	11	need	need	NOUN
cblr-9988	467	12	.	.	PUNCT
cblr-9988	468	1	as	as	SCONJ
cblr-9988	468	2	banks	bank	NOUN
cblr-9988	468	3	made	make	VERB
cblr-9988	468	4	less	less	ADJ
cblr-9988	468	5	small	small	ADJ
cblr-9988	468	6	-	-	PUNCT
cblr-9988	468	7	dollar	dollar	NOUN
cblr-9988	468	8	loans	loan	NOUN
cblr-9988	468	9	,	,	PUNCT
cblr-9988	468	10	online	online	ADJ
cblr-9988	468	11	lenders	lender	NOUN
cblr-9988	468	12	stepped	step	VERB
cblr-9988	468	13	in	in	ADV
cblr-9988	468	14	to	to	PART
cblr-9988	468	15	fill	fill	VERB
cblr-9988	468	16	that	that	DET
cblr-9988	468	17	need	need	NOUN
cblr-9988	468	18	using	use	VERB
cblr-9988	468	19	predictive	predictive	ADJ
cblr-9988	468	20	technology	technology	NOUN
cblr-9988	468	21	to	to	PART
cblr-9988	468	22	offer	offer	VERB
cblr-9988	468	23	loans	loan	NOUN
cblr-9988	468	24	to	to	ADP
cblr-9988	468	25	those	those	PRON
cblr-9988	468	26	with	with	ADP
cblr-9988	468	27	limited	limited	ADJ
cblr-9988	468	28	credit	credit	NOUN
cblr-9988	468	29	data	datum	NOUN
cblr-9988	468	30	.	.	PUNCT
cblr-9988	469	1	increased	increase	VERB
cblr-9988	469	2	regulation	regulation	NOUN
cblr-9988	469	3	may	may	AUX
cblr-9988	469	4	impose	impose	VERB
cblr-9988	469	5	costs	cost	NOUN
cblr-9988	469	6	on	on	ADP
cblr-9988	469	7	online	online	ADJ
cblr-9988	469	8	lenders	lender	NOUN
cblr-9988	469	9	that	that	PRON
cblr-9988	469	10	ultimately	ultimately	ADV
cblr-9988	469	11	hinder	hinder	VERB
cblr-9988	469	12	their	their	PRON
cblr-9988	469	13	ability	ability	NOUN
cblr-9988	469	14	to	to	PART
cblr-9988	469	15	innovate	innovate	VERB
cblr-9988	469	16	.	.	PUNCT
cblr-9988	470	1	consequently	consequently	ADV
cblr-9988	470	2	,	,	PUNCT
cblr-9988	470	3	a	a	DET
cblr-9988	470	4	proposal	proposal	NOUN
cblr-9988	470	5	to	to	PART
cblr-9988	470	6	enhance	enhance	VERB
cblr-9988	470	7	the	the	DET
cblr-9988	470	8	financial	financial	ADJ
cblr-9988	470	9	inclusion	inclusion	NOUN
cblr-9988	470	10	capabilities	capability	NOUN
cblr-9988	470	11	of	of	ADP
cblr-9988	470	12	fintech	fintech	NOUN
cblr-9988	470	13	should	should	AUX
cblr-9988	470	14	incentivize	incentivize	VERB
cblr-9988	470	15	lenders	lender	NOUN
cblr-9988	470	16	to	to	PART
cblr-9988	470	17	invest	invest	VERB
cblr-9988	470	18	in	in	ADP
cblr-9988	470	19	minority	minority	NOUN
cblr-9988	470	20	-	-	PUNCT
cblr-9988	470	21	owned	own	VERB
cblr-9988	470	22	businesses	business	NOUN
cblr-9988	470	23	rather	rather	ADV
cblr-9988	470	24	than	than	ADP
cblr-9988	470	25	requiring	require	VERB
cblr-9988	470	26	them	they	PRON
cblr-9988	470	27	to	to	ADP
cblr-9988	470	28	.	.	PUNCT
cblr-9988	471	1	151	151	NUM
cblr-9988	471	2	baradaran	baradaran	NOUN
cblr-9988	471	3	,	,	PUNCT
cblr-9988	471	4	supra	supra	PROPN
cblr-9988	471	5	note	note	NOUN
cblr-9988	471	6	2	2	NUM
cblr-9988	471	7	,	,	PUNCT
cblr-9988	471	8	at	at	ADP
cblr-9988	471	9	44–51	44–51	NUM
cblr-9988	471	10	(	(	PUNCT
cblr-9988	471	11	describing	describe	VERB
cblr-9988	471	12	how	how	SCONJ
cblr-9988	471	13	the	the	DET
cblr-9988	471	14	new	new	ADJ
cblr-9988	471	15	deal	deal	NOUN
cblr-9988	471	16	reforms	reform	NOUN
cblr-9988	471	17	to	to	PART
cblr-9988	471	18	limit	limit	VERB
cblr-9988	471	19	banks	bank	NOUN
cblr-9988	471	20	’	'	PUNCT
cblr-9988	471	21	power	power	NOUN
cblr-9988	471	22	and	and	CCONJ
cblr-9988	471	23	increase	increase	VERB
cblr-9988	471	24	access	access	NOUN
cblr-9988	471	25	to	to	ADP
cblr-9988	471	26	consumer	consumer	NOUN
cblr-9988	471	27	credit	credit	NOUN
cblr-9988	471	28	created	create	VERB
cblr-9988	471	29	a	a	DET
cblr-9988	471	30	“	"	PUNCT
cblr-9988	471	31	social	social	ADJ
cblr-9988	471	32	contract	contract	NOUN
cblr-9988	471	33	”	"	PUNCT
cblr-9988	471	34	between	between	ADP
cblr-9988	471	35	banks	bank	NOUN
cblr-9988	471	36	and	and	CCONJ
cblr-9988	471	37	the	the	DET
cblr-9988	471	38	public	public	NOUN
cblr-9988	471	39	;	;	PUNCT
cblr-9988	471	40	and	and	CCONJ
cblr-9988	471	41	civil	civil	ADJ
cblr-9988	471	42	rights	right	NOUN
cblr-9988	471	43	era	era	NOUN
cblr-9988	471	44	laws	law	NOUN
cblr-9988	471	45	prohibiting	prohibit	VERB
cblr-9988	471	46	discrimination	discrimination	NOUN
cblr-9988	471	47	in	in	ADP
cblr-9988	471	48	banking	banking	NOUN
cblr-9988	471	49	amended	amend	VERB
cblr-9988	471	50	the	the	DET
cblr-9988	471	51	social	social	ADJ
cblr-9988	471	52	contract	contract	NOUN
cblr-9988	471	53	to	to	PART
cblr-9988	471	54	include	include	VERB
cblr-9988	471	55	racial	racial	ADJ
cblr-9988	471	56	minorities	minority	NOUN
cblr-9988	471	57	)	)	PUNCT
cblr-9988	471	58	;	;	PUNCT
cblr-9988	471	59	see	see	VERB
cblr-9988	471	60	also	also	ADV
cblr-9988	471	61	hearings	hearing	NOUN
cblr-9988	471	62	,	,	PUNCT
cblr-9988	471	63	at	at	ADP
cblr-9988	471	64	9	9	NUM
cblr-9988	471	65	(	(	PUNCT
cblr-9988	471	66	statement	statement	NOUN
cblr-9988	471	67	of	of	ADP
cblr-9988	471	68	mehrsa	mehrsa	NOUN
cblr-9988	471	69	baradaran	baradaran	NOUN
cblr-9988	471	70	,	,	PUNCT
cblr-9988	471	71	professor	professor	NOUN
cblr-9988	471	72	of	of	ADP
cblr-9988	471	73	l.	l.	PROPN
cblr-9988	471	74	,	,	PUNCT
cblr-9988	471	75	univ	univ	PROPN
cblr-9988	471	76	.	.	PROPN
cblr-9988	471	77	of	of	ADP
cblr-9988	471	78	ga	ga	PROPN
cblr-9988	471	79	.	.	PUNCT
cblr-9988	471	80	sch	sch	PROPN
cblr-9988	471	81	.	.	PROPN
cblr-9988	471	82	of	of	ADP
cblr-9988	471	83	l.	l.	PROPN
cblr-9988	471	84	)	)	PUNCT
cblr-9988	471	85	(	(	PUNCT
cblr-9988	471	86	“	"	PUNCT
cblr-9988	471	87	the	the	DET
cblr-9988	471	88	underlying	underlying	ADJ
cblr-9988	471	89	theory	theory	NOUN
cblr-9988	471	90	of	of	ADP
cblr-9988	471	91	the	the	DET
cblr-9988	471	92	cra	cra	PROPN
cblr-9988	471	93	is	be	AUX
cblr-9988	471	94	that	that	SCONJ
cblr-9988	471	95	banks	bank	NOUN
cblr-9988	471	96	have	have	VERB
cblr-9988	471	97	duties	duty	NOUN
cblr-9988	471	98	to	to	ADP
cblr-9988	471	99	the	the	DET
cblr-9988	471	100	public	public	NOUN
cblr-9988	471	101	because	because	SCONJ
cblr-9988	471	102	they	they	PRON
cblr-9988	471	103	benefit	benefit	VERB
cblr-9988	471	104	from	from	ADP
cblr-9988	471	105	significant	significant	ADJ
cblr-9988	471	106	government	government	NOUN
cblr-9988	471	107	subsidies	subsidy	NOUN
cblr-9988	471	108	.	.	PUNCT
cblr-9988	471	109	”	"	PUNCT
cblr-9988	471	110	)	)	PUNCT
cblr-9988	471	111	.	.	PUNCT
cblr-9988	472	1	152	152	NUM
cblr-9988	472	2	12	12	NUM
cblr-9988	472	3	u.s.c	u.s.c	NOUN
cblr-9988	472	4	.	.	PUNCT
cblr-9988	473	1	§	§	PROPN
cblr-9988	473	2	2903(a)–(b	2903(a)–(b	NUM
cblr-9988	473	3	)	)	PUNCT
cblr-9988	473	4	(	(	PUNCT
cblr-9988	473	5	2018	2018	NUM
cblr-9988	473	6	)	)	PUNCT
cblr-9988	473	7	.	.	PUNCT
cblr-9988	474	1	153	153	NUM
cblr-9988	474	2	the	the	DET
cblr-9988	474	3	wall	wall	PROPN
cblr-9988	474	4	street	street	PROPN
cblr-9988	474	5	reform	reform	PROPN
cblr-9988	474	6	and	and	CCONJ
cblr-9988	474	7	consumer	consumer	NOUN
cblr-9988	474	8	protection	protection	NOUN
cblr-9988	474	9	act	act	NOUN
cblr-9988	474	10	of	of	ADP
cblr-9988	474	11	2010	2010	NUM
cblr-9988	474	12	(	(	PUNCT
cblr-9988	474	13	dodd	dodd	NOUN
cblr-9988	474	14	-	-	PUNCT
cblr-9988	474	15	frank	frank	PROPN
cblr-9988	474	16	)	)	PUNCT
cblr-9988	474	17	,	,	PUNCT
cblr-9988	474	18	pub	pub	NOUN
cblr-9988	474	19	.	.	PUNCT
cblr-9988	475	1	l.	l.	PROPN
cblr-9988	475	2	111	111	NUM
cblr-9988	475	3	-	-	SYM
cblr-9988	475	4	203	203	NUM
cblr-9988	475	5	,	,	PUNCT
cblr-9988	475	6	124	124	NUM
cblr-9988	475	7	stat	stat	NOUN
cblr-9988	475	8	.	.	PUNCT
cblr-9988	476	1	1376	1376	NUM
cblr-9988	476	2	(	(	PUNCT
cblr-9988	476	3	2010	2010	NUM
cblr-9988	476	4	)	)	PUNCT
cblr-9988	476	5	,	,	PUNCT
cblr-9988	476	6	which	which	PRON
cblr-9988	476	7	imposed	impose	VERB
cblr-9988	476	8	substantial	substantial	ADJ
cblr-9988	476	9	financial	financial	ADJ
cblr-9988	476	10	regulation	regulation	NOUN
cblr-9988	476	11	reforms	reform	NOUN
cblr-9988	476	12	,	,	PUNCT
cblr-9988	476	13	was	be	AUX
cblr-9988	476	14	aimed	aim	VERB
cblr-9988	476	15	at	at	ADP
cblr-9988	476	16	the	the	DET
cblr-9988	476	17	largest	large	ADJ
cblr-9988	476	18	banks	bank	NOUN
cblr-9988	476	19	and	and	CCONJ
cblr-9988	476	20	in	in	ADP
cblr-9988	476	21	fact	fact	NOUN
cblr-9988	476	22	exempted	exempt	VERB
cblr-9988	476	23	smaller	small	ADJ
cblr-9988	476	24	banks	bank	NOUN
cblr-9988	476	25	from	from	ADP
cblr-9988	476	26	many	many	ADJ
cblr-9988	476	27	of	of	ADP
cblr-9988	476	28	the	the	DET
cblr-9988	476	29	rules	rule	NOUN
cblr-9988	476	30	in	in	ADP
cblr-9988	476	31	the	the	DET
cblr-9988	476	32	act	act	NOUN
cblr-9988	476	33	.	.	PUNCT
cblr-9988	477	1	kress	kress	PROPN
cblr-9988	477	2	&	&	CCONJ
cblr-9988	477	3	turk	turk	PROPN
cblr-9988	477	4	,	,	PUNCT
cblr-9988	477	5	supra	supra	PROPN
cblr-9988	477	6	note	note	PROPN
cblr-9988	477	7	3	3	NUM
cblr-9988	477	8	,	,	PUNCT
cblr-9988	477	9	at	at	ADP
cblr-9988	477	10	669	669	NUM
cblr-9988	477	11	.	.	PUNCT
cblr-9988	478	1	furthermore	furthermore	ADV
cblr-9988	478	2	,	,	PUNCT
cblr-9988	478	3	the	the	DET
cblr-9988	478	4	economic	economic	ADJ
cblr-9988	478	5	growth	growth	NOUN
cblr-9988	478	6	,	,	PUNCT
cblr-9988	478	7	regulatory	regulatory	ADJ
cblr-9988	478	8	relief	relief	NOUN
cblr-9988	478	9	,	,	PUNCT
cblr-9988	478	10	and	and	CCONJ
cblr-9988	478	11	consumer	consumer	NOUN
cblr-9988	478	12	protection	protection	PROPN
cblr-9988	478	13	act	act	PROPN
cblr-9988	478	14	(	(	PUNCT
cblr-9988	478	15	egrrcpa	egrrcpa	PROPN
cblr-9988	478	16	)	)	PUNCT
cblr-9988	478	17	,	,	PUNCT
cblr-9988	478	18	pub	pub	NOUN
cblr-9988	478	19	.	.	PUNCT
cblr-9988	479	1	l.	l.	PROPN
cblr-9988	479	2	115174	115174	NUM
cblr-9988	479	3	,	,	PUNCT
cblr-9988	479	4	132	132	NUM
cblr-9988	479	5	stat	stat	NOUN
cblr-9988	479	6	.	.	PUNCT
cblr-9988	480	1	1296	1296	NUM
cblr-9988	480	2	(	(	PUNCT
cblr-9988	480	3	2018	2018	NUM
cblr-9988	480	4	)	)	PUNCT
cblr-9988	480	5	exempts	exempt	VERB
cblr-9988	480	6	community	community	NOUN
cblr-9988	480	7	banks	bank	NOUN
cblr-9988	480	8	from	from	ADP
cblr-9988	480	9	risk	risk	NOUN
cblr-9988	480	10	-	-	PUNCT
cblr-9988	480	11	based	base	VERB
cblr-9988	480	12	capital	capital	NOUN
cblr-9988	480	13	requirements	requirement	NOUN
cblr-9988	480	14	and	and	CCONJ
cblr-9988	480	15	the	the	DET
cblr-9988	480	16	volcker	volcker	NOUN
cblr-9988	480	17	rule	rule	NOUN
cblr-9988	480	18	.	.	PUNCT
cblr-9988	481	1	i	i	PRON
cblr-9988	481	2	d.	d.	PROPN
cblr-9988	481	3	at	at	ADP
cblr-9988	481	4	685	685	NUM
cblr-9988	481	5	,	,	PUNCT
cblr-9988	481	6	690	690	NUM
cblr-9988	481	7	,	,	PUNCT
cblr-9988	481	8	692	692	NUM
cblr-9988	481	9	.	.	PUNCT
cblr-9988	481	10	652	652	NUM
cblr-9988	481	11	columbia	columbia	PROPN
cblr-9988	481	12	business	business	NOUN
cblr-9988	481	13	law	law	PROPN
cblr-9988	481	14	review	review	NOUN
cblr-9988	482	1	[	[	X
cblr-9988	482	2	vol	vol	NOUN
cblr-9988	482	3	.	.	PUNCT
cblr-9988	482	4	2022	2022	NUM
cblr-9988	482	5	b.	b.	PROPN
cblr-9988	483	1	the	the	DET
cblr-9988	483	2	occ	occ	PROPN
cblr-9988	483	3	’s	’s	PART
cblr-9988	483	4	special	special	ADJ
cblr-9988	483	5	purpose	purpose	NOUN
cblr-9988	483	6	national	national	PROPN
cblr-9988	483	7	bank	bank	PROPN
cblr-9988	483	8	charter	charter	NOUN
cblr-9988	483	9	could	could	AUX
cblr-9988	483	10	bring	bring	VERB
cblr-9988	483	11	online	online	ADJ
cblr-9988	483	12	lenders	lender	NOUN
cblr-9988	483	13	under	under	ADP
cblr-9988	483	14	federal	federal	ADJ
cblr-9988	483	15	banking	banking	NOUN
cblr-9988	483	16	supervision	supervision	NOUN
cblr-9988	483	17	but	but	CCONJ
cblr-9988	483	18	does	do	AUX
cblr-9988	483	19	not	not	PART
cblr-9988	483	20	adequately	adequately	ADV
cblr-9988	483	21	address	address	VERB
cblr-9988	483	22	investment	investment	NOUN
cblr-9988	483	23	in	in	ADP
cblr-9988	483	24	minority	minority	NOUN
cblr-9988	483	25	communities	community	NOUN
cblr-9988	483	26	in	in	ADP
cblr-9988	483	27	2016	2016	NUM
cblr-9988	483	28	,	,	PUNCT
cblr-9988	483	29	occ	occ	PRON
cblr-9988	483	30	published	publish	VERB
cblr-9988	483	31	a	a	DET
cblr-9988	483	32	plan	plan	NOUN
cblr-9988	483	33	to	to	PART
cblr-9988	483	34	grant	grant	VERB
cblr-9988	483	35	special	special	ADJ
cblr-9988	483	36	purpose	purpose	NOUN
cblr-9988	483	37	national	national	PROPN
cblr-9988	483	38	bank	bank	PROPN
cblr-9988	483	39	charters	charter	NOUN
cblr-9988	483	40	to	to	ADP
cblr-9988	483	41	fintech	fintech	NOUN
cblr-9988	483	42	companies	company	NOUN
cblr-9988	483	43	in	in	ADP
cblr-9988	483	44	an	an	DET
cblr-9988	483	45	effort	effort	NOUN
cblr-9988	483	46	to	to	PART
cblr-9988	483	47	bring	bring	VERB
cblr-9988	483	48	fintech	fintech	NOUN
cblr-9988	483	49	companies	company	NOUN
cblr-9988	483	50	under	under	ADP
cblr-9988	483	51	federal	federal	ADJ
cblr-9988	483	52	banking	banking	NOUN
cblr-9988	483	53	supervision.154	supervision.154	VERB
cblr-9988	483	54	the	the	DET
cblr-9988	483	55	special	special	ADJ
cblr-9988	483	56	purpose	purpose	NOUN
cblr-9988	483	57	national	national	PROPN
cblr-9988	483	58	bank	bank	PROPN
cblr-9988	483	59	charter	charter	NOUN
cblr-9988	483	60	framework	framework	NOUN
cblr-9988	483	61	imposes	impose	VERB
cblr-9988	483	62	capital	capital	NOUN
cblr-9988	483	63	and	and	CCONJ
cblr-9988	483	64	liquidity	liquidity	NOUN
cblr-9988	483	65	requirements	requirement	NOUN
cblr-9988	483	66	on	on	ADP
cblr-9988	483	67	fintech	fintech	NOUN
cblr-9988	483	68	companies	company	NOUN
cblr-9988	483	69	while	while	SCONJ
cblr-9988	483	70	allowing	allow	VERB
cblr-9988	483	71	such	such	ADJ
cblr-9988	483	72	companies	company	NOUN
cblr-9988	483	73	to	to	PART
cblr-9988	483	74	maintain	maintain	VERB
cblr-9988	483	75	their	their	PRON
cblr-9988	483	76	business	business	NOUN
cblr-9988	483	77	model.155	model.155	VERB
cblr-9988	483	78	under	under	ADP
cblr-9988	483	79	the	the	DET
cblr-9988	483	80	occ	occ	NOUN
cblr-9988	483	81	’s	’s	PART
cblr-9988	483	82	proposal	proposal	NOUN
cblr-9988	483	83	,	,	PUNCT
cblr-9988	483	84	an	an	DET
cblr-9988	483	85	entity	entity	NOUN
cblr-9988	483	86	must	must	AUX
cblr-9988	483	87	meet	meet	VERB
cblr-9988	483	88	capital	capital	NOUN
cblr-9988	483	89	adequacy	adequacy	NOUN
cblr-9988	483	90	standards	standard	NOUN
cblr-9988	483	91	and	and	CCONJ
cblr-9988	483	92	minimum	minimum	NOUN
cblr-9988	483	93	liquidity	liquidity	NOUN
cblr-9988	483	94	requirements	requirement	NOUN
cblr-9988	483	95	to	to	PART
cblr-9988	483	96	be	be	AUX
cblr-9988	483	97	granted	grant	VERB
cblr-9988	483	98	a	a	DET
cblr-9988	483	99	special	special	ADJ
cblr-9988	483	100	purpose	purpose	NOUN
cblr-9988	483	101	national	national	PROPN
cblr-9988	483	102	bank	bank	PROPN
cblr-9988	483	103	charter	charter	NOUN
cblr-9988	483	104	.	.	PUNCT
cblr-9988	484	1	156	156	NUM
cblr-9988	484	2	with	with	ADP
cblr-9988	484	3	respect	respect	NOUN
cblr-9988	484	4	to	to	ADP
cblr-9988	484	5	capital	capital	NOUN
cblr-9988	484	6	adequacy	adequacy	NOUN
cblr-9988	484	7	,	,	PUNCT
cblr-9988	484	8	the	the	DET
cblr-9988	484	9	occ	occ	NOUN
cblr-9988	484	10	proposal	proposal	NOUN
cblr-9988	484	11	requires	require	VERB
cblr-9988	484	12	that	that	SCONJ
cblr-9988	484	13	entities	entity	NOUN
cblr-9988	484	14	make	make	VERB
cblr-9988	484	15	a	a	DET
cblr-9988	484	16	detailed	detailed	ADJ
cblr-9988	484	17	business	business	NOUN
cblr-9988	484	18	plan	plan	NOUN
cblr-9988	484	19	that	that	PRON
cblr-9988	484	20	outlines	outline	VERB
cblr-9988	484	21	how	how	SCONJ
cblr-9988	484	22	they	they	PRON
cblr-9988	484	23	plan	plan	VERB
cblr-9988	484	24	to	to	PART
cblr-9988	484	25	maintain	maintain	VERB
cblr-9988	484	26	adequate	adequate	ADJ
cblr-9988	484	27	capital	capital	NOUN
cblr-9988	484	28	to	to	PART
cblr-9988	484	29	support	support	VERB
cblr-9988	484	30	their	their	PRON
cblr-9988	484	31	risk	risk	NOUN
cblr-9988	484	32	profile.157	profile.157	NOUN
cblr-9988	484	33	though	though	SCONJ
cblr-9988	484	34	there	there	PRON
cblr-9988	484	35	is	be	VERB
cblr-9988	484	36	no	no	DET
cblr-9988	484	37	formula	formula	NOUN
cblr-9988	484	38	determining	determine	VERB
cblr-9988	484	39	what	what	DET
cblr-9988	484	40	amount	amount	NOUN
cblr-9988	484	41	of	of	ADP
cblr-9988	484	42	capital	capital	NOUN
cblr-9988	484	43	is	be	AUX
cblr-9988	484	44	adequate	adequate	ADJ
cblr-9988	484	45	,	,	PUNCT
cblr-9988	484	46	the	the	DET
cblr-9988	484	47	occ	occ	NOUN
cblr-9988	484	48	would	would	AUX
cblr-9988	484	49	consider	consider	VERB
cblr-9988	484	50	the	the	DET
cblr-9988	484	51	risks	risk	NOUN
cblr-9988	484	52	and	and	CCONJ
cblr-9988	484	53	complexities	complexity	NOUN
cblr-9988	484	54	of	of	ADP
cblr-9988	484	55	the	the	DET
cblr-9988	484	56	business	business	NOUN
cblr-9988	484	57	and	and	CCONJ
cblr-9988	484	58	its	its	PRON
cblr-9988	484	59	products.158	products.158	NOUN
cblr-9988	484	60	the	the	DET
cblr-9988	484	61	occ	occ	NOUN
cblr-9988	484	62	would	would	AUX
cblr-9988	484	63	also	also	ADV
cblr-9988	484	64	look	look	VERB
cblr-9988	484	65	to	to	ADP
cblr-9988	484	66	other	other	ADJ
cblr-9988	484	67	elements	element	NOUN
cblr-9988	484	68	,	,	PUNCT
cblr-9988	484	69	such	such	ADJ
cblr-9988	484	70	as	as	ADP
cblr-9988	484	71	the	the	DET
cblr-9988	484	72	entity	entity	NOUN
cblr-9988	484	73	’s	’s	PART
cblr-9988	484	74	governance	governance	NOUN
cblr-9988	484	75	and	and	CCONJ
cblr-9988	484	76	operations	operation	NOUN
cblr-9988	484	77	,	,	PUNCT
cblr-9988	484	78	credit	credit	NOUN
cblr-9988	484	79	risks	risk	NOUN
cblr-9988	484	80	,	,	PUNCT
cblr-9988	484	81	and	and	CCONJ
cblr-9988	484	82	market	market	NOUN
cblr-9988	484	83	risks.159	risks.159	PROPN
cblr-9988	484	84	entities	entity	NOUN
cblr-9988	484	85	whose	whose	DET
cblr-9988	484	86	business	business	NOUN
cblr-9988	484	87	activities	activity	NOUN
cblr-9988	484	88	may	may	AUX
cblr-9988	484	89	be	be	AUX
cblr-9988	484	90	off	off	ADP
cblr-9988	484	91	-	-	PUNCT
cblr-9988	484	92	balance	balance	NOUN
cblr-9988	484	93	sheet	sheet	NOUN
cblr-9988	484	94	,	,	PUNCT
cblr-9988	484	95	such	such	ADJ
cblr-9988	484	96	as	as	ADP
cblr-9988	484	97	certain	certain	ADJ
cblr-9988	484	98	fintech	fintech	NOUN
cblr-9988	484	99	lenders	lender	NOUN
cblr-9988	484	100	,	,	PUNCT
cblr-9988	484	101	would	would	AUX
cblr-9988	484	102	be	be	AUX
cblr-9988	484	103	subject	subject	ADJ
cblr-9988	484	104	to	to	ADP
cblr-9988	484	105	the	the	DET
cblr-9988	484	106	occ	occ	NOUN
cblr-9988	484	107	’s	’s	PART
cblr-9988	484	108	minimum	minimum	ADJ
cblr-9988	484	109	regulatory	regulatory	ADJ
cblr-9988	484	110	capital	capital	NOUN
cblr-9988	484	111	requirements.160	requirements.160	NOUN
cblr-9988	484	112	where	where	SCONJ
cblr-9988	484	113	the	the	DET
cblr-9988	484	114	minimum	minimum	ADJ
cblr-9988	484	115	capital	capital	NOUN
cblr-9988	484	116	levels	level	NOUN
cblr-9988	484	117	do	do	AUX
cblr-9988	484	118	not	not	PART
cblr-9988	484	119	adequately	adequately	ADV
cblr-9988	484	120	reflect	reflect	VERB
cblr-9988	484	121	risks	risk	NOUN
cblr-9988	484	122	,	,	PUNCT
cblr-9988	484	123	the	the	DET
cblr-9988	484	124	entity	entity	NOUN
cblr-9988	484	125	may	may	AUX
cblr-9988	484	126	have	have	VERB
cblr-9988	484	127	to	to	PART
cblr-9988	484	128	propose	propose	VERB
cblr-9988	484	129	a	a	DET
cblr-9988	484	130	minimum	minimum	ADJ
cblr-9988	484	131	level	level	NOUN
cblr-9988	484	132	of	of	ADP
cblr-9988	484	133	capital.161	capital.161	NOUN
cblr-9988	484	134	in	in	ADP
cblr-9988	484	135	154	154	NUM
cblr-9988	484	136	off	off	ADP
cblr-9988	484	137	.	.	PUNCT
cblr-9988	485	1	of	of	ADP
cblr-9988	485	2	the	the	DET
cblr-9988	485	3	comptroller	comptroller	NOUN
cblr-9988	485	4	of	of	ADP
cblr-9988	485	5	the	the	DET
cblr-9988	485	6	currency	currency	NOUN
cblr-9988	485	7	,	,	PUNCT
cblr-9988	485	8	exploring	explore	VERB
cblr-9988	485	9	special	special	ADJ
cblr-9988	485	10	purpose	purpose	NOUN
cblr-9988	485	11	national	national	PROPN
cblr-9988	485	12	bank	bank	PROPN
cblr-9988	485	13	charters	charter	NOUN
cblr-9988	485	14	for	for	ADP
cblr-9988	485	15	fintech	fintech	NOUN
cblr-9988	485	16	companies	company	NOUN
cblr-9988	485	17	(	(	PUNCT
cblr-9988	485	18	2016	2016	NUM
cblr-9988	485	19	)	)	PUNCT
cblr-9988	485	20	,	,	PUNCT
cblr-9988	485	21	https://www.occ.gov/publications-and-resources/publications/bankereducation/files/pub-special-purpose-nat-bank-charters-fintech.pdf	https://www.occ.gov/publications-and-resources/publications/bankereducation/files/pub-special-purpose-nat-bank-charters-fintech.pdf	NOUN
cblr-9988	486	1	[	[	X
cblr-9988	486	2	https://perma.cc/23yj-rha3	https://perma.cc/23yj-rha3	X
cblr-9988	486	3	]	]	X
cblr-9988	486	4	.	.	PUNCT
cblr-9988	487	1	155	155	NUM
cblr-9988	488	1	i	i	PRON
cblr-9988	488	2	d.	d.	PROPN
cblr-9988	488	3	at	at	ADP
cblr-9988	488	4	2	2	NUM
cblr-9988	488	5	.	.	NUM
cblr-9988	488	6	156	156	NUM
cblr-9988	489	1	i	i	PRON
cblr-9988	489	2	d.	d.	NOUN
cblr-9988	489	3	at	at	ADP
cblr-9988	489	4	8	8	NUM
cblr-9988	489	5	.	.	X
cblr-9988	490	1	157	157	NUM
cblr-9988	490	2	i	i	PROPN
cblr-9988	490	3	d.	d.	PROPN
cblr-9988	490	4	at	at	ADP
cblr-9988	490	5	9	9	NUM
cblr-9988	490	6	.	.	NUM
cblr-9988	490	7	158	158	NUM
cblr-9988	491	1	i	i	PRON
cblr-9988	491	2	d.	d.	VERB
cblr-9988	491	3	at	at	ADP
cblr-9988	491	4	9–10	9–10	PROPN
cblr-9988	491	5	.	.	PUNCT
cblr-9988	492	1	159	159	NUM
cblr-9988	493	1	i	i	PRON
cblr-9988	493	2	d.	d.	VERB
cblr-9988	493	3	at	at	ADP
cblr-9988	493	4	9–10	9–10	NOUN
cblr-9988	493	5	.	.	PUNCT
cblr-9988	494	1	160	160	NUM
cblr-9988	495	1	i	i	PRON
cblr-9988	495	2	d.	d.	PROPN
cblr-9988	495	3	at	at	ADP
cblr-9988	495	4	10	10	NUM
cblr-9988	495	5	.	.	PUNCT
cblr-9988	496	1	161	161	NUM
cblr-9988	497	1	i	i	PRON
cblr-9988	497	2	d.	d.	PROPN
cblr-9988	497	3	no	no	INTJ
cblr-9988	497	4	.	.	PUNCT
cblr-9988	498	1	1:621	1:621	NUM
cblr-9988	498	2	]	]	X
cblr-9988	498	3	expand	expand	VERB
cblr-9988	498	4	online	online	ADJ
cblr-9988	498	5	lending	lending	NOUN
cblr-9988	498	6	to	to	ADP
cblr-9988	498	7	minority	minority	NOUN
cblr-9988	498	8	business	business	NOUN
cblr-9988	498	9	owners	owner	NOUN
cblr-9988	498	10	653	653	NUM
cblr-9988	498	11	addition	addition	NOUN
cblr-9988	498	12	,	,	PUNCT
cblr-9988	498	13	the	the	DET
cblr-9988	498	14	occ	occ	NOUN
cblr-9988	498	15	would	would	AUX
cblr-9988	498	16	require	require	VERB
cblr-9988	498	17	entities	entity	NOUN
cblr-9988	498	18	to	to	PART
cblr-9988	498	19	maintain	maintain	VERB
cblr-9988	498	20	minimum	minimum	ADJ
cblr-9988	498	21	levels	level	NOUN
cblr-9988	498	22	of	of	ADP
cblr-9988	498	23	liquidity	liquidity	NOUN
cblr-9988	498	24	proportionate	proportionate	ADJ
cblr-9988	498	25	to	to	ADP
cblr-9988	498	26	the	the	DET
cblr-9988	498	27	risk	risk	NOUN
cblr-9988	498	28	of	of	ADP
cblr-9988	498	29	their	their	PRON
cblr-9988	498	30	proposed	propose	VERB
cblr-9988	498	31	activities	activity	NOUN
cblr-9988	498	32	,	,	PUNCT
cblr-9988	498	33	to	to	PART
cblr-9988	498	34	ensure	ensure	VERB
cblr-9988	498	35	the	the	DET
cblr-9988	498	36	business	business	NOUN
cblr-9988	498	37	is	be	AUX
cblr-9988	498	38	able	able	ADJ
cblr-9988	498	39	to	to	PART
cblr-9988	498	40	meet	meet	VERB
cblr-9988	498	41	unexpected	unexpected	ADJ
cblr-9988	498	42	cash	cash	NOUN
cblr-9988	498	43	flow	flow	NOUN
cblr-9988	498	44	and	and	CCONJ
cblr-9988	498	45	collateral	collateral	VERB
cblr-9988	498	46	needs.162	needs.162	NOUN
cblr-9988	498	47	in	in	ADP
cblr-9988	498	48	particular	particular	ADJ
cblr-9988	498	49	,	,	PUNCT
cblr-9988	498	50	the	the	DET
cblr-9988	498	51	occ	occ	NOUN
cblr-9988	498	52	would	would	AUX
cblr-9988	498	53	look	look	VERB
cblr-9988	498	54	at	at	ADP
cblr-9988	498	55	the	the	DET
cblr-9988	498	56	proposed	propose	VERB
cblr-9988	498	57	bank	bank	NOUN
cblr-9988	498	58	’s	’s	PART
cblr-9988	498	59	access	access	NOUN
cblr-9988	498	60	to	to	ADP
cblr-9988	498	61	funds	fund	NOUN
cblr-9988	498	62	and	and	CCONJ
cblr-9988	498	63	its	its	PRON
cblr-9988	498	64	cost	cost	NOUN
cblr-9988	498	65	of	of	ADP
cblr-9988	498	66	funding.163	funding.163	VERB
cblr-9988	498	67	fintech	fintech	NOUN
cblr-9988	498	68	companies	company	NOUN
cblr-9988	498	69	have	have	AUX
cblr-9988	498	70	been	be	AUX
cblr-9988	498	71	reluctant	reluctant	ADJ
cblr-9988	498	72	to	to	PART
cblr-9988	498	73	pursue	pursue	VERB
cblr-9988	498	74	a	a	DET
cblr-9988	498	75	national	national	ADJ
cblr-9988	498	76	charter.164	charter.164	NOUN
cblr-9988	498	77	in	in	ADP
cblr-9988	498	78	november	november	PROPN
cblr-9988	498	79	2020	2020	NUM
cblr-9988	498	80	,	,	PUNCT
cblr-9988	498	81	figure	figure	NOUN
cblr-9988	498	82	technologies	technology	NOUN
cblr-9988	498	83	was	be	AUX
cblr-9988	498	84	the	the	DET
cblr-9988	498	85	first	first	ADJ
cblr-9988	498	86	company	company	NOUN
cblr-9988	498	87	to	to	PART
cblr-9988	498	88	apply	apply	VERB
cblr-9988	498	89	for	for	ADP
cblr-9988	498	90	one.165	one.165	NOUN
cblr-9988	498	91	however	however	ADV
cblr-9988	498	92	,	,	PUNCT
cblr-9988	498	93	even	even	ADV
cblr-9988	498	94	as	as	SCONJ
cblr-9988	498	95	fintech	fintech	NOUN
cblr-9988	498	96	lenders	lender	NOUN
cblr-9988	498	97	are	be	AUX
cblr-9988	498	98	reluctant	reluctant	ADJ
cblr-9988	498	99	to	to	PART
cblr-9988	498	100	apply	apply	VERB
cblr-9988	498	101	for	for	ADP
cblr-9988	498	102	a	a	DET
cblr-9988	498	103	national	national	ADJ
cblr-9988	498	104	charter	charter	NOUN
cblr-9988	498	105	,	,	PUNCT
cblr-9988	498	106	they	they	PRON
cblr-9988	498	107	are	be	AUX
cblr-9988	498	108	seeking	seek	VERB
cblr-9988	498	109	to	to	PART
cblr-9988	498	110	perform	perform	VERB
cblr-9988	498	111	more	more	ADJ
cblr-9988	498	112	bank	bank	NOUN
cblr-9988	498	113	-	-	PUNCT
cblr-9988	498	114	like	like	ADJ
cblr-9988	498	115	activities	activity	NOUN
cblr-9988	498	116	.	.	PUNCT
cblr-9988	499	1	after	after	ADP
cblr-9988	499	2	announcing	announce	VERB
cblr-9988	499	3	that	that	SCONJ
cblr-9988	499	4	it	it	PRON
cblr-9988	499	5	would	would	AUX
cblr-9988	499	6	stop	stop	VERB
cblr-9988	499	7	peer	peer	NOUN
cblr-9988	499	8	-	-	PUNCT
cblr-9988	499	9	to	to	ADP
cblr-9988	499	10	-	-	PUNCT
cblr-9988	499	11	peer	peer	NOUN
cblr-9988	499	12	lending	lending	NOUN
cblr-9988	499	13	,	,	PUNCT
cblr-9988	499	14	lending	lending	NOUN
cblr-9988	499	15	club	club	NOUN
cblr-9988	499	16	stated	state	VERB
cblr-9988	499	17	it	it	PRON
cblr-9988	499	18	“	"	PUNCT
cblr-9988	499	19	plans	plan	VERB
cblr-9988	499	20	to	to	PART
cblr-9988	499	21	offer	offer	VERB
cblr-9988	499	22	a	a	DET
cblr-9988	499	23	full	full	ADJ
cblr-9988	499	24	suite	suite	NOUN
cblr-9988	499	25	of	of	ADP
cblr-9988	499	26	products	product	NOUN
cblr-9988	499	27	as	as	ADP
cblr-9988	499	28	a	a	DET
cblr-9988	499	29	bank	bank	NOUN
cblr-9988	499	30	.	.	PUNCT
cblr-9988	499	31	”166	”166	NOUN
cblr-9988	500	1	it	it	PRON
cblr-9988	500	2	is	be	AUX
cblr-9988	500	3	possible	possible	ADJ
cblr-9988	500	4	that	that	SCONJ
cblr-9988	500	5	the	the	DET
cblr-9988	500	6	special	special	ADJ
cblr-9988	500	7	purpose	purpose	NOUN
cblr-9988	500	8	national	national	ADJ
cblr-9988	500	9	charter	charter	NOUN
cblr-9988	500	10	will	will	AUX
cblr-9988	500	11	grow	grow	VERB
cblr-9988	500	12	in	in	ADP
cblr-9988	500	13	popularity	popularity	NOUN
cblr-9988	500	14	as	as	SCONJ
cblr-9988	500	15	online	online	ADJ
cblr-9988	500	16	lenders	lender	NOUN
cblr-9988	500	17	increasingly	increasingly	ADV
cblr-9988	500	18	seek	seek	VERB
cblr-9988	500	19	to	to	PART
cblr-9988	500	20	expand	expand	VERB
cblr-9988	500	21	their	their	PRON
cblr-9988	500	22	product	product	NOUN
cblr-9988	500	23	offerings	offering	NOUN
cblr-9988	500	24	,	,	PUNCT
cblr-9988	500	25	as	as	SCONJ
cblr-9988	500	26	a	a	DET
cblr-9988	500	27	national	national	ADJ
cblr-9988	500	28	charter	charter	NOUN
cblr-9988	500	29	would	would	AUX
cblr-9988	500	30	allow	allow	VERB
cblr-9988	500	31	online	online	ADJ
cblr-9988	500	32	lenders	lender	NOUN
cblr-9988	500	33	to	to	PART
cblr-9988	500	34	operate	operate	VERB
cblr-9988	500	35	nationwide	nationwide	ADV
cblr-9988	500	36	under	under	ADP
cblr-9988	500	37	a	a	DET
cblr-9988	500	38	uniform	uniform	ADJ
cblr-9988	500	39	set	set	NOUN
cblr-9988	500	40	of	of	ADP
cblr-9988	500	41	standards.167	standards.167	PROPN
cblr-9988	500	42	162	162	NUM
cblr-9988	501	1	i	i	PRON
cblr-9988	501	2	d.	d.	PROPN
cblr-9988	501	3	163	163	NUM
cblr-9988	502	1	i	i	PRON
cblr-9988	502	2	d.	d.	PROPN
cblr-9988	502	3	164	164	NUM
cblr-9988	502	4	lalita	lalita	PROPN
cblr-9988	502	5	clozel	clozel	PROPN
cblr-9988	502	6	,	,	PUNCT
cblr-9988	502	7	‘	'	PUNCT
cblr-9988	502	8	fintech	fintech	NOUN
cblr-9988	502	9	charter	charter	NOUN
cblr-9988	502	10	’	'	PUNCT
cblr-9988	502	11	has	have	VERB
cblr-9988	502	12	no	no	DET
cblr-9988	502	13	early	early	ADJ
cblr-9988	502	14	takers	taker	NOUN
cblr-9988	502	15	as	as	SCONJ
cblr-9988	502	16	lawsuit	lawsuit	NOUN
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cblr-9988	502	18	,	,	PUNCT
cblr-9988	502	19	wall	wall	PROPN
cblr-9988	502	20	st	st	PROPN
cblr-9988	502	21	.	.	PROPN
cblr-9988	502	22	j.	j.	PROPN
cblr-9988	502	23	(	(	PUNCT
cblr-9988	502	24	sept	sept	PROPN
cblr-9988	502	25	.	.	PROPN
cblr-9988	502	26	12	12	NUM
cblr-9988	502	27	,	,	PUNCT
cblr-9988	502	28	2018	2018	NUM
cblr-9988	502	29	,	,	PUNCT
cblr-9988	502	30	11:00	11:00	NUM
cblr-9988	502	31	am	am	NOUN
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cblr-9988	502	33	,	,	PUNCT
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cblr-9988	502	35	(	(	PUNCT
cblr-9988	502	36	on	on	ADP
cblr-9988	502	37	file	file	NOUN
cblr-9988	502	38	with	with	ADP
cblr-9988	502	39	the	the	DET
cblr-9988	502	40	columbia	columbia	PROPN
cblr-9988	502	41	business	business	PROPN
cblr-9988	502	42	law	law	PROPN
cblr-9988	502	43	review	review	PROPN
cblr-9988	502	44	)	)	PUNCT
cblr-9988	502	45	.	.	PUNCT
cblr-9988	503	1	but	but	CCONJ
cblr-9988	503	2	see	see	VERB
cblr-9988	503	3	oportun	oportun	PROPN
cblr-9988	503	4	applies	apply	VERB
cblr-9988	503	5	for	for	ADP
cblr-9988	503	6	national	national	PROPN
cblr-9988	503	7	bank	bank	PROPN
cblr-9988	503	8	charter	charter	NOUN
cblr-9988	503	9	with	with	ADP
cblr-9988	503	10	the	the	DET
cblr-9988	503	11	office	office	NOUN
cblr-9988	503	12	of	of	ADP
cblr-9988	503	13	the	the	DET
cblr-9988	503	14	comptroller	comptroller	NOUN
cblr-9988	503	15	of	of	ADP
cblr-9988	503	16	the	the	DET
cblr-9988	503	17	currency	currency	NOUN
cblr-9988	503	18	(	(	PUNCT
cblr-9988	503	19	occ	occ	PROPN
cblr-9988	503	20	)	)	PUNCT
cblr-9988	503	21	,	,	PUNCT
cblr-9988	503	22	oportun	oportun	PROPN
cblr-9988	503	23	(	(	PUNCT
cblr-9988	503	24	nov	nov	PROPN
cblr-9988	503	25	.	.	PROPN
cblr-9988	503	26	23	23	NUM
cblr-9988	503	27	,	,	PUNCT
cblr-9988	503	28	2020	2020	NUM
cblr-9988	503	29	)	)	PUNCT
cblr-9988	503	30	,	,	PUNCT
cblr-9988	503	31	https://oportun.com/about/press/oportun-applies-for-national-bank-charterwith-the-occ/	https://oportun.com/about/press/oportun-applies-for-national-bank-charterwith-the-occ/	X
cblr-9988	504	1	[	[	X
cblr-9988	504	2	https://perma.cc/qny9-lpch	https://perma.cc/qny9-lpch	PROPN
cblr-9988	504	3	]	]	PUNCT
cblr-9988	504	4	.	.	PUNCT
cblr-9988	505	1	the	the	DET
cblr-9988	505	2	proposed	propose	VERB
cblr-9988	505	3	oportun	oportun	PROPN
cblr-9988	505	4	bank	bank	PROPN
cblr-9988	505	5	would	would	AUX
cblr-9988	505	6	provide	provide	VERB
cblr-9988	505	7	traditional	traditional	ADJ
cblr-9988	505	8	depository	depository	NOUN
cblr-9988	505	9	services	service	NOUN
cblr-9988	505	10	to	to	ADP
cblr-9988	505	11	its	its	PRON
cblr-9988	505	12	consumers	consumer	NOUN
cblr-9988	505	13	and	and	CCONJ
cblr-9988	505	14	seek	seek	VERB
cblr-9988	505	15	deposits	deposit	NOUN
cblr-9988	505	16	from	from	ADP
cblr-9988	505	17	socially	socially	ADV
cblr-9988	505	18	conscious	conscious	ADJ
cblr-9988	505	19	investors	investor	NOUN
cblr-9988	505	20	.	.	PUNCT
cblr-9988	506	1	raul	raul	PROPN
cblr-9988	506	2	vasquez	vasquez	PROPN
cblr-9988	506	3	,	,	PUNCT
cblr-9988	506	4	advancing	advance	VERB
cblr-9988	506	5	economic	economic	ADJ
cblr-9988	506	6	equity	equity	NOUN
cblr-9988	506	7	through	through	ADP
cblr-9988	506	8	financial	financial	ADJ
cblr-9988	506	9	inclusion	inclusion	NOUN
cblr-9988	506	10	,	,	PUNCT
cblr-9988	506	11	oportun	oportun	PROPN
cblr-9988	506	12	,	,	PUNCT
cblr-9988	506	13	https://oportun.com/about/press/advancing-economic-equity-throughfinancial-inclusion/	https://oportun.com/about/press/advancing-economic-equity-throughfinancial-inclusion/	PROPN
cblr-9988	507	1	[	[	X
cblr-9988	507	2	https://perma.cc/nez3-zh4c	https://perma.cc/nez3-zh4c	X
cblr-9988	507	3	]	]	X
cblr-9988	507	4	(	(	PUNCT
cblr-9988	507	5	last	last	ADJ
cblr-9988	507	6	visited	visit	VERB
cblr-9988	507	7	apr	apr	NOUN
cblr-9988	507	8	.	.	PROPN
cblr-9988	508	1	25	25	NUM
cblr-9988	508	2	,	,	PUNCT
cblr-9988	508	3	2022	2022	NUM
cblr-9988	508	4	)	)	PUNCT
cblr-9988	508	5	.	.	PUNCT
cblr-9988	509	1	165	165	NUM
cblr-9988	509	2	kevin	kevin	PROPN
cblr-9988	509	3	wack	wack	PROPN
cblr-9988	509	4	,	,	PUNCT
cblr-9988	509	5	a	a	DET
cblr-9988	509	6	fintech	fintech	NOUN
cblr-9988	509	7	’s	’s	PART
cblr-9988	509	8	novel	novel	ADJ
cblr-9988	509	9	bank	bank	NOUN
cblr-9988	509	10	charter	charter	NOUN
cblr-9988	509	11	application	application	NOUN
cblr-9988	509	12	draws	draw	VERB
cblr-9988	509	13	industry	industry	NOUN
cblr-9988	509	14	’s	’s	PART
cblr-9988	509	15	ire	ire	NOUN
cblr-9988	509	16	,	,	PUNCT
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cblr-9988	509	18	.	.	PUNCT
cblr-9988	510	1	banker	banker	NOUN
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cblr-9988	510	3	dec	dec	PROPN
cblr-9988	510	4	.	.	PROPN
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cblr-9988	510	6	,	,	PUNCT
cblr-9988	510	7	2020	2020	NUM
cblr-9988	510	8	,	,	PUNCT
cblr-9988	510	9	9:00	9:00	NUM
cblr-9988	510	10	pm	pm	NOUN
cblr-9988	510	11	)	)	PUNCT
cblr-9988	510	12	,	,	PUNCT
cblr-9988	510	13	https://www.americanbanker.com/news/a-fintechs-novel-bank-charterapplication-draws-industrys-ire	https://www.americanbanker.com/news/a-fintechs-novel-bank-charterapplication-draws-industrys-ire	VERB
cblr-9988	511	1	[	[	X
cblr-9988	511	2	https://perma.cc/66s8-cfst	https://perma.cc/66s8-cfst	NOUN
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cblr-9988	511	4	.	.	PUNCT
cblr-9988	512	1	166	166	NUM
cblr-9988	512	2	lendingclub	lendingclub	PROPN
cblr-9988	512	3	corp	corp	PROPN
cblr-9988	512	4	.	.	PROPN
cblr-9988	512	5	,	,	PUNCT
cblr-9988	512	6	current	current	ADJ
cblr-9988	512	7	report	report	NOUN
cblr-9988	512	8	(	(	PUNCT
cblr-9988	512	9	form	form	NOUN
cblr-9988	512	10	8	8	NUM
cblr-9988	512	11	-	-	PUNCT
cblr-9988	512	12	k	k	NOUN
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cblr-9988	512	14	(	(	PUNCT
cblr-9988	512	15	oct	oct	PROPN
cblr-9988	512	16	.	.	PROPN
cblr-9988	512	17	7	7	NUM
cblr-9988	512	18	,	,	PUNCT
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cblr-9988	512	21	.	.	PUNCT
cblr-9988	513	1	167	167	NUM
cblr-9988	513	2	see	see	VERB
cblr-9988	513	3	off	off	ADP
cblr-9988	513	4	.	.	PUNCT
cblr-9988	514	1	of	of	ADP
cblr-9988	514	2	the	the	DET
cblr-9988	514	3	comptroller	comptroller	NOUN
cblr-9988	514	4	of	of	ADP
cblr-9988	514	5	the	the	DET
cblr-9988	514	6	currency	currency	NOUN
cblr-9988	514	7	,	,	PUNCT
cblr-9988	514	8	supra	supra	PROPN
cblr-9988	514	9	note	note	NOUN
cblr-9988	514	10	154	154	NUM
cblr-9988	514	11	,	,	PUNCT
cblr-9988	514	12	at	at	ADP
cblr-9988	514	13	4	4	NUM
cblr-9988	514	14	.	.	NOUN
cblr-9988	514	15	654	654	NUM
cblr-9988	514	16	columbia	columbia	PROPN
cblr-9988	514	17	business	business	NOUN
cblr-9988	514	18	law	law	PROPN
cblr-9988	514	19	review	review	NOUN
cblr-9988	515	1	[	[	X
cblr-9988	515	2	vol	vol	NOUN
cblr-9988	515	3	.	.	PUNCT
cblr-9988	515	4	2022	2022	NUM
cblr-9988	515	5	notably	notably	ADV
cblr-9988	515	6	,	,	PUNCT
cblr-9988	515	7	even	even	ADV
cblr-9988	515	8	if	if	SCONJ
cblr-9988	515	9	an	an	DET
cblr-9988	515	10	entity	entity	NOUN
cblr-9988	515	11	were	be	AUX
cblr-9988	515	12	to	to	PART
cblr-9988	515	13	gain	gain	VERB
cblr-9988	515	14	a	a	DET
cblr-9988	515	15	special	special	ADJ
cblr-9988	515	16	purpose	purpose	NOUN
cblr-9988	515	17	national	national	PROPN
cblr-9988	515	18	bank	bank	PROPN
cblr-9988	515	19	charter	charter	NOUN
cblr-9988	515	20	,	,	PUNCT
cblr-9988	515	21	it	it	PRON
cblr-9988	515	22	would	would	AUX
cblr-9988	515	23	not	not	PART
cblr-9988	515	24	be	be	AUX
cblr-9988	515	25	subject	subject	ADJ
cblr-9988	515	26	to	to	ADP
cblr-9988	515	27	the	the	DET
cblr-9988	515	28	community	community	NOUN
cblr-9988	515	29	reinvestment	reinvestment	NOUN
cblr-9988	515	30	act	act	NOUN
cblr-9988	515	31	if	if	SCONJ
cblr-9988	515	32	it	it	PRON
cblr-9988	515	33	is	be	AUX
cblr-9988	515	34	not	not	PART
cblr-9988	515	35	an	an	DET
cblr-9988	515	36	insured	insure	VERB
cblr-9988	515	37	depository	depository	NOUN
cblr-9988	515	38	institution.168	institution.168	NOUN
cblr-9988	515	39	instead	instead	ADV
cblr-9988	515	40	,	,	PUNCT
cblr-9988	515	41	the	the	DET
cblr-9988	515	42	occ	occ	NOUN
cblr-9988	515	43	would	would	AUX
cblr-9988	515	44	encourage	encourage	VERB
cblr-9988	515	45	such	such	DET
cblr-9988	515	46	an	an	DET
cblr-9988	515	47	entity	entity	NOUN
cblr-9988	515	48	“	"	PUNCT
cblr-9988	515	49	to	to	PART
cblr-9988	515	50	provide	provide	VERB
cblr-9988	515	51	fair	fair	ADJ
cblr-9988	515	52	access	access	NOUN
cblr-9988	515	53	to	to	ADP
cblr-9988	515	54	financial	financial	ADJ
cblr-9988	515	55	services	service	NOUN
cblr-9988	515	56	by	by	ADP
cblr-9988	515	57	helping	help	VERB
cblr-9988	515	58	to	to	PART
cblr-9988	515	59	meet	meet	VERB
cblr-9988	515	60	the	the	DET
cblr-9988	515	61	credit	credit	NOUN
cblr-9988	515	62	needs	need	NOUN
cblr-9988	515	63	of	of	ADP
cblr-9988	515	64	its	its	PRON
cblr-9988	515	65	entire	entire	ADJ
cblr-9988	515	66	community	community	NOUN
cblr-9988	515	67	”	"	PUNCT
cblr-9988	515	68	and	and	CCONJ
cblr-9988	515	69	to	to	PART
cblr-9988	515	70	explain	explain	VERB
cblr-9988	515	71	its	its	PRON
cblr-9988	515	72	commitment	commitment	NOUN
cblr-9988	515	73	to	to	ADP
cblr-9988	515	74	financial	financial	ADJ
cblr-9988	515	75	inclusion	inclusion	NOUN
cblr-9988	515	76	in	in	ADP
cblr-9988	515	77	its	its	PRON
cblr-9988	515	78	business	business	NOUN
cblr-9988	515	79	plan.169	plan.169	NOUN
cblr-9988	515	80	thus	thus	ADV
cblr-9988	515	81	,	,	PUNCT
cblr-9988	515	82	even	even	ADV
cblr-9988	515	83	if	if	SCONJ
cblr-9988	515	84	large	large	ADJ
cblr-9988	515	85	numbers	number	NOUN
cblr-9988	515	86	of	of	ADP
cblr-9988	515	87	fintech	fintech	NOUN
cblr-9988	515	88	companies	company	NOUN
cblr-9988	515	89	began	begin	VERB
cblr-9988	515	90	applying	apply	VERB
cblr-9988	515	91	for	for	ADP
cblr-9988	515	92	the	the	DET
cblr-9988	515	93	special	special	ADJ
cblr-9988	515	94	purpose	purpose	NOUN
cblr-9988	515	95	national	national	ADJ
cblr-9988	515	96	charter	charter	NOUN
cblr-9988	515	97	,	,	PUNCT
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cblr-9988	515	99	lenders	lender	NOUN
cblr-9988	515	100	would	would	AUX
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cblr-9988	515	102	be	be	AUX
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cblr-9988	515	104	to	to	PART
cblr-9988	515	105	invest	invest	VERB
cblr-9988	515	106	in	in	ADP
cblr-9988	515	107	low	low	ADJ
cblr-9988	515	108	-	-	PUNCT
cblr-9988	515	109	income	income	NOUN
cblr-9988	515	110	or	or	CCONJ
cblr-9988	515	111	minority	minority	NOUN
cblr-9988	515	112	communities	community	NOUN
cblr-9988	515	113	.	.	PUNCT
cblr-9988	516	1	though	though	SCONJ
cblr-9988	516	2	the	the	DET
cblr-9988	516	3	charter	charter	NOUN
cblr-9988	516	4	would	would	AUX
cblr-9988	516	5	bring	bring	VERB
cblr-9988	516	6	online	online	ADJ
cblr-9988	516	7	lenders	lender	NOUN
cblr-9988	516	8	under	under	ADP
cblr-9988	516	9	financial	financial	ADJ
cblr-9988	516	10	banking	banking	NOUN
cblr-9988	516	11	supervision	supervision	NOUN
cblr-9988	516	12	,	,	PUNCT
cblr-9988	516	13	it	it	PRON
cblr-9988	516	14	does	do	AUX
cblr-9988	516	15	not	not	PART
cblr-9988	516	16	go	go	VERB
cblr-9988	516	17	as	as	ADV
cblr-9988	516	18	far	far	ADV
cblr-9988	516	19	as	as	SCONJ
cblr-9988	516	20	the	the	DET
cblr-9988	516	21	cra	cra	PROPN
cblr-9988	516	22	in	in	ADP
cblr-9988	516	23	requiring	require	VERB
cblr-9988	516	24	such	such	ADJ
cblr-9988	516	25	lenders	lender	NOUN
cblr-9988	516	26	to	to	PART
cblr-9988	516	27	further	far	ADV
cblr-9988	516	28	financial	financial	VERB
cblr-9988	516	29	inclusion.170	inclusion.170	ADV
cblr-9988	516	30	overall	overall	ADJ
cblr-9988	516	31	,	,	PUNCT
cblr-9988	516	32	the	the	DET
cblr-9988	516	33	charter	charter	NOUN
cblr-9988	516	34	provides	provide	VERB
cblr-9988	516	35	a	a	DET
cblr-9988	516	36	framework	framework	NOUN
cblr-9988	516	37	for	for	ADP
cblr-9988	516	38	imposing	impose	VERB
cblr-9988	516	39	capital	capital	NOUN
cblr-9988	516	40	and	and	CCONJ
cblr-9988	516	41	liquidity	liquidity	NOUN
cblr-9988	516	42	requirements	requirement	NOUN
cblr-9988	516	43	on	on	ADP
cblr-9988	516	44	fintech	fintech	NOUN
cblr-9988	516	45	companies	company	NOUN
cblr-9988	516	46	while	while	SCONJ
cblr-9988	516	47	preserving	preserve	VERB
cblr-9988	516	48	their	their	PRON
cblr-9988	516	49	dynamic	dynamic	ADJ
cblr-9988	516	50	business	business	NOUN
cblr-9988	516	51	model	model	NOUN
cblr-9988	516	52	.	.	PUNCT
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cblr-9988	517	2	,	,	PUNCT
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cblr-9988	517	4	future	future	NOUN
cblr-9988	517	5	of	of	ADP
cblr-9988	517	6	the	the	DET
cblr-9988	517	7	charter	charter	NOUN
cblr-9988	517	8	is	be	AUX
cblr-9988	517	9	in	in	ADP
cblr-9988	517	10	question	question	NOUN
cblr-9988	517	11	:	:	PUNCT
cblr-9988	517	12	the	the	DET
cblr-9988	517	13	conference	conference	NOUN
cblr-9988	517	14	of	of	ADP
cblr-9988	517	15	state	state	PROPN
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cblr-9988	517	17	supervisors	supervisor	NOUN
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cblr-9988	517	26	for	for	ADP
cblr-9988	517	27	a	a	DET
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cblr-9988	517	30	charter	charter	NOUN
cblr-9988	517	31	,	,	PUNCT
cblr-9988	517	32	arguing	argue	VERB
cblr-9988	517	33	that	that	SCONJ
cblr-9988	517	34	the	the	DET
cblr-9988	517	35	charter	charter	NOUN
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cblr-9988	517	37	state	state	NOUN
cblr-9988	517	38	authority	authority	NOUN
cblr-9988	517	39	to	to	PART
cblr-9988	517	40	regulate	regulate	VERB
cblr-9988	517	41	non	non	ADJ
cblr-9988	517	42	-	-	ADJ
cblr-9988	517	43	banks.171	banks.171	NOUN
cblr-9988	517	44	the	the	DET
cblr-9988	517	45	csbs	csbs	NOUN
cblr-9988	517	46	later	later	ADV
cblr-9988	517	47	withdrew	withdraw	VERB
cblr-9988	517	48	its	its	PRON
cblr-9988	517	49	lawsuit	lawsuit	NOUN
cblr-9988	517	50	after	after	SCONJ
cblr-9988	517	51	figure	figure	NOUN
cblr-9988	517	52	technologies	technology	NOUN
cblr-9988	517	53	amended	amend	VERB
cblr-9988	517	54	its	its	PRON
cblr-9988	517	55	charter	charter	NOUN
cblr-9988	517	56	application	application	NOUN
cblr-9988	517	57	to	to	PART
cblr-9988	517	58	offer	offer	VERB
cblr-9988	517	59	fdicinsured	fdicinsured	ADJ
cblr-9988	517	60	deposit	deposit	NOUN
cblr-9988	517	61	accounts.172	accounts.172	NOUN
cblr-9988	517	62	it	it	PRON
cblr-9988	517	63	is	be	AUX
cblr-9988	517	64	uncertain	uncertain	ADJ
cblr-9988	517	65	whether	whether	SCONJ
cblr-9988	517	66	the	the	DET
cblr-9988	517	67	csbs	csbs	NOUN
cblr-9988	517	68	will	will	AUX
cblr-9988	517	69	challenge	challenge	VERB
cblr-9988	517	70	future	future	ADJ
cblr-9988	517	71	charter	charter	NOUN
cblr-9988	517	72	applications	application	NOUN
cblr-9988	517	73	by	by	ADP
cblr-9988	517	74	fintech	fintech	NOUN
cblr-9988	517	75	168	168	NUM
cblr-9988	517	76	i	i	PRON
cblr-9988	517	77	d.	d.	PROPN
cblr-9988	517	78	at	at	ADP
cblr-9988	517	79	12	12	NUM
cblr-9988	517	80	(	(	PUNCT
cblr-9988	517	81	citing	cite	VERB
cblr-9988	517	82	community	community	NOUN
cblr-9988	517	83	reinvestment	reinvestment	NOUN
cblr-9988	517	84	act	act	NOUN
cblr-9988	517	85	,	,	PUNCT
cblr-9988	517	86	12	12	NUM
cblr-9988	517	87	u.s.c	u.s.c	NOUN
cblr-9988	517	88	.	.	PUNCT
cblr-9988	518	1	2902	2902	NUM
cblr-9988	518	2	(	(	PUNCT
cblr-9988	518	3	2015	2015	NUM
cblr-9988	518	4	)	)	PUNCT
cblr-9988	518	5	)	)	PUNCT
cblr-9988	518	6	.	.	PUNCT
cblr-9988	519	1	the	the	DET
cblr-9988	519	2	community	community	NOUN
cblr-9988	519	3	reinvestment	reinvestment	NOUN
cblr-9988	519	4	act	act	NOUN
cblr-9988	519	5	defines	define	VERB
cblr-9988	519	6	“	"	PUNCT
cblr-9988	519	7	regulated	regulate	VERB
cblr-9988	519	8	financial	financial	ADJ
cblr-9988	519	9	institution	institution	NOUN
cblr-9988	519	10	”	"	PUNCT
cblr-9988	519	11	as	as	ADP
cblr-9988	519	12	an	an	DET
cblr-9988	519	13	“	"	PUNCT
cblr-9988	519	14	insured	insured	ADJ
cblr-9988	519	15	depository	depository	NOUN
cblr-9988	519	16	institution	institution	NOUN
cblr-9988	519	17	.	.	PUNCT
cblr-9988	519	18	”	"	PUNCT
cblr-9988	520	1	12	12	NUM
cblr-9988	520	2	u.s.c	u.s.c	NOUN
cblr-9988	520	3	.	.	PUNCT
cblr-9988	521	1	2902	2902	NUM
cblr-9988	521	2	(	(	PUNCT
cblr-9988	521	3	2018	2018	NUM
cblr-9988	521	4	)	)	PUNCT
cblr-9988	521	5	.	.	PUNCT
cblr-9988	522	1	169	169	NUM
cblr-9988	523	1	i	i	PRON
cblr-9988	523	2	d.	d.	PROPN
cblr-9988	523	3	(	(	PUNCT
cblr-9988	523	4	internal	internal	ADJ
cblr-9988	523	5	quotation	quotation	NOUN
cblr-9988	523	6	marks	mark	NOUN
cblr-9988	523	7	omitted	omit	VERB
cblr-9988	523	8	)	)	PUNCT
cblr-9988	523	9	(	(	PUNCT
cblr-9988	523	10	quoting	quote	VERB
cblr-9988	523	11	12	12	NUM
cblr-9988	523	12	c.f.r	c.f.r	NOUN
cblr-9988	523	13	.	.	PUNCT
cblr-9988	524	1	§	§	PROPN
cblr-9988	524	2	5.20(f)(1)(ii	5.20(f)(1)(ii	NUM
cblr-9988	524	3	)	)	PUNCT
cblr-9988	524	4	,	,	PUNCT
cblr-9988	524	5	(	(	PUNCT
cblr-9988	524	6	iv	iv	X
cblr-9988	524	7	)	)	PUNCT
cblr-9988	524	8	(	(	PUNCT
cblr-9988	524	9	2021	2021	NUM
cblr-9988	524	10	)	)	PUNCT
cblr-9988	524	11	)	)	PUNCT
cblr-9988	524	12	.	.	PUNCT
cblr-9988	525	1	170	170	NUM
cblr-9988	525	2	12	12	NUM
cblr-9988	525	3	u.s.c	u.s.c	NOUN
cblr-9988	525	4	.	.	PUNCT
cblr-9988	526	1	§	§	PROPN
cblr-9988	526	2	2903(c)(1	2903(c)(1	NUM
cblr-9988	526	3	)	)	PUNCT
cblr-9988	526	4	.	.	PUNCT
cblr-9988	527	1	171	171	NUM
cblr-9988	527	2	lydia	lydia	PROPN
cblr-9988	527	3	beyoud	beyoud	PROPN
cblr-9988	527	4	,	,	PUNCT
cblr-9988	527	5	states	state	NOUN
cblr-9988	527	6	sue	sue	VERB
cblr-9988	527	7	to	to	PART
cblr-9988	527	8	block	block	VERB
cblr-9988	527	9	‘	'	PUNCT
cblr-9988	527	10	first	first	ADJ
cblr-9988	527	11	fintech	fintech	NOUN
cblr-9988	527	12	charter	charter	NOUN
cblr-9988	527	13	’	'	PUNCT
cblr-9988	527	14	bank	bank	NOUN
cblr-9988	527	15	application	application	NOUN
cblr-9988	527	16	(	(	PUNCT
cblr-9988	527	17	1	1	NUM
cblr-9988	527	18	)	)	PUNCT
cblr-9988	527	19	,	,	PUNCT
cblr-9988	527	20	bloomberg	bloomberg	PROPN
cblr-9988	527	21	l.	l.	PROPN
cblr-9988	527	22	(	(	PUNCT
cblr-9988	527	23	dec	dec	PROPN
cblr-9988	527	24	.	.	PROPN
cblr-9988	527	25	22	22	NUM
cblr-9988	527	26	,	,	PUNCT
cblr-9988	527	27	2020	2020	NUM
cblr-9988	527	28	,	,	PUNCT
cblr-9988	527	29	6:58	6:58	NUM
cblr-9988	527	30	pm	pm	NOUN
cblr-9988	527	31	)	)	PUNCT
cblr-9988	527	32	,	,	PUNCT
cblr-9988	527	33	https://news.bloomberglaw.com/banking-law/states-sue-to-block-firstfintech-charter-bank-application	https://news.bloomberglaw.com/banking-law/states-sue-to-block-firstfintech-charter-bank-application	NOUN
cblr-9988	527	34	[	[	X
cblr-9988	527	35	https://perma.cc/tgv4-f3ta	https://perma.cc/tgv4-f3ta	X
cblr-9988	527	36	]	]	PUNCT
cblr-9988	527	37	.	.	PUNCT
cblr-9988	528	1	172	172	NUM
cblr-9988	528	2	scott	scott	PROPN
cblr-9988	528	3	a.	a.	PROPN
cblr-9988	528	4	coleman	coleman	PROPN
cblr-9988	528	5	,	,	PUNCT
cblr-9988	528	6	csbs	csbs	NOUN
cblr-9988	528	7	withdraws	withdraw	NOUN
cblr-9988	528	8	lawsuit	lawsuit	NOUN
cblr-9988	528	9	seeking	seek	VERB
cblr-9988	528	10	to	to	PART
cblr-9988	528	11	block	block	VERB
cblr-9988	528	12	occ	occ	NOUN
cblr-9988	528	13	approval	approval	NOUN
cblr-9988	528	14	of	of	ADP
cblr-9988	528	15	figure	figure	NOUN
cblr-9988	528	16	technologies	technology	NOUN
cblr-9988	528	17	charter	charter	NOUN
cblr-9988	528	18	application	application	NOUN
cblr-9988	528	19	,	,	PUNCT
cblr-9988	528	20	ballard	ballard	PROPN
cblr-9988	528	21	spahr	spahr	PROPN
cblr-9988	528	22	llp	llp	PROPN
cblr-9988	528	23	(	(	PUNCT
cblr-9988	528	24	jan	jan	PROPN
cblr-9988	528	25	.	.	PROPN
cblr-9988	528	26	19	19	NUM
cblr-9988	528	27	,	,	PUNCT
cblr-9988	528	28	2022	2022	NUM
cblr-9988	528	29	)	)	PUNCT
cblr-9988	528	30	,	,	PUNCT
cblr-9988	528	31	https://www.consumerfinancemonitor.com/2022/01/19/csbswithdraws-lawsuit-seeking-to-block-occ-approval-of-figure-technologiescharter-application/	https://www.consumerfinancemonitor.com/2022/01/19/csbswithdraws-lawsuit-seeking-to-block-occ-approval-of-figure-technologiescharter-application/	X
cblr-9988	529	1	[	[	X
cblr-9988	529	2	https://perma.cc/um6m-fty2	https://perma.cc/um6m-fty2	X
cblr-9988	529	3	]	]	X
cblr-9988	529	4	.	.	PUNCT
cblr-9988	530	1	no	no	INTJ
cblr-9988	530	2	.	.	PUNCT
cblr-9988	531	1	1:621	1:621	NUM
cblr-9988	531	2	]	]	X
cblr-9988	531	3	expand	expand	VERB
cblr-9988	531	4	online	online	ADJ
cblr-9988	531	5	lending	lending	NOUN
cblr-9988	531	6	to	to	ADP
cblr-9988	531	7	minority	minority	NOUN
cblr-9988	531	8	business	business	NOUN
cblr-9988	531	9	owners	owner	NOUN
cblr-9988	531	10	655	655	NUM
cblr-9988	531	11	companies	company	NOUN
cblr-9988	531	12	that	that	PRON
cblr-9988	531	13	do	do	AUX
cblr-9988	531	14	not	not	PART
cblr-9988	531	15	intend	intend	VERB
cblr-9988	531	16	to	to	PART
cblr-9988	531	17	offer	offer	VERB
cblr-9988	531	18	fdic	fdic	ADJ
cblr-9988	531	19	-	-	PUNCT
cblr-9988	531	20	insured	insure	VERB
cblr-9988	531	21	deposit	deposit	NOUN
cblr-9988	531	22	accounts.173	accounts.173	PROPN
cblr-9988	531	23	even	even	ADV
cblr-9988	531	24	if	if	SCONJ
cblr-9988	531	25	the	the	DET
cblr-9988	531	26	charter	charter	NOUN
cblr-9988	531	27	were	be	AUX
cblr-9988	531	28	to	to	PART
cblr-9988	531	29	remain	remain	VERB
cblr-9988	531	30	a	a	DET
cblr-9988	531	31	viable	viable	ADJ
cblr-9988	531	32	option	option	NOUN
cblr-9988	531	33	for	for	ADP
cblr-9988	531	34	online	online	ADJ
cblr-9988	531	35	lenders	lender	NOUN
cblr-9988	531	36	,	,	PUNCT
cblr-9988	531	37	this	this	DET
cblr-9988	531	38	note	note	NOUN
cblr-9988	531	39	argues	argue	VERB
cblr-9988	531	40	that	that	SCONJ
cblr-9988	531	41	additional	additional	ADJ
cblr-9988	531	42	solutions	solution	NOUN
cblr-9988	531	43	are	be	AUX
cblr-9988	531	44	needed	need	VERB
cblr-9988	531	45	to	to	PART
cblr-9988	531	46	encourage	encourage	VERB
cblr-9988	531	47	lending	lending	NOUN
cblr-9988	531	48	in	in	ADP
cblr-9988	531	49	minority	minority	NOUN
cblr-9988	531	50	and	and	CCONJ
cblr-9988	531	51	low	low	ADJ
cblr-9988	531	52	-	-	PUNCT
cblr-9988	531	53	income	income	NOUN
cblr-9988	531	54	communities	community	NOUN
cblr-9988	531	55	.	.	PUNCT
cblr-9988	532	1	c.	c.	PROPN
cblr-9988	532	2	a	a	DET
cblr-9988	532	3	cdfi	cdfi	VERB
cblr-9988	532	4	-	-	PUNCT
cblr-9988	532	5	like	like	ADJ
cblr-9988	532	6	system	system	NOUN
cblr-9988	532	7	for	for	ADP
cblr-9988	532	8	incentivizing	incentivize	VERB
cblr-9988	532	9	online	online	ADJ
cblr-9988	532	10	lenders	lender	NOUN
cblr-9988	532	11	to	to	PART
cblr-9988	532	12	lend	lend	VERB
cblr-9988	532	13	to	to	ADP
cblr-9988	532	14	minority	minority	NOUN
cblr-9988	532	15	business	business	NOUN
cblr-9988	532	16	owners	owner	NOUN
cblr-9988	532	17	cdfis	cdfis	VERB
cblr-9988	532	18	play	play	VERB
cblr-9988	532	19	a	a	DET
cblr-9988	532	20	crucial	crucial	ADJ
cblr-9988	532	21	role	role	NOUN
cblr-9988	532	22	in	in	ADP
cblr-9988	532	23	providing	provide	VERB
cblr-9988	532	24	funding	funding	NOUN
cblr-9988	532	25	to	to	ADP
cblr-9988	532	26	minority	minority	NOUN
cblr-9988	532	27	businesses.174	businesses.174	ADV
cblr-9988	532	28	they	they	PRON
cblr-9988	532	29	act	act	VERB
cblr-9988	532	30	as	as	ADP
cblr-9988	532	31	a	a	DET
cblr-9988	532	32	bridge	bridge	NOUN
cblr-9988	532	33	between	between	ADP
cblr-9988	532	34	those	those	PRON
cblr-9988	532	35	outside	outside	ADP
cblr-9988	532	36	the	the	DET
cblr-9988	532	37	traditional	traditional	ADJ
cblr-9988	532	38	credit	credit	NOUN
cblr-9988	532	39	market	market	NOUN
cblr-9988	532	40	and	and	CCONJ
cblr-9988	532	41	the	the	DET
cblr-9988	532	42	mainstream	mainstream	NOUN
cblr-9988	532	43	credit	credit	NOUN
cblr-9988	532	44	system.175	system.175	NOUN
cblr-9988	532	45	to	to	ADP
cblr-9988	532	46	this	this	DET
cblr-9988	532	47	end	end	NOUN
cblr-9988	532	48	,	,	PUNCT
cblr-9988	532	49	the	the	DET
cblr-9988	532	50	federal	federal	ADJ
cblr-9988	532	51	government	government	NOUN
cblr-9988	532	52	has	have	AUX
cblr-9988	532	53	involved	involve	VERB
cblr-9988	532	54	cdfis	cdfis	NOUN
cblr-9988	532	55	in	in	ADP
cblr-9988	532	56	the	the	DET
cblr-9988	532	57	effort	effort	NOUN
cblr-9988	532	58	to	to	PART
cblr-9988	532	59	provide	provide	VERB
cblr-9988	532	60	funding	funding	NOUN
cblr-9988	532	61	to	to	ADP
cblr-9988	532	62	small	small	ADJ
cblr-9988	532	63	businesses	business	NOUN
cblr-9988	532	64	during	during	ADP
cblr-9988	532	65	the	the	DET
cblr-9988	532	66	covid-19	covid-19	PROPN
cblr-9988	532	67	pandemic.176	pandemic.176	NOUN
cblr-9988	532	68	in	in	ADP
cblr-9988	532	69	the	the	DET
cblr-9988	532	70	round	round	NOUN
cblr-9988	532	71	of	of	ADP
cblr-9988	532	72	funding	funding	NOUN
cblr-9988	532	73	that	that	PRON
cblr-9988	532	74	opened	open	VERB
cblr-9988	532	75	in	in	ADP
cblr-9988	532	76	january	january	PROPN
cblr-9988	532	77	2021	2021	NUM
cblr-9988	532	78	,	,	PUNCT
cblr-9988	532	79	the	the	DET
cblr-9988	532	80	federal	federal	ADJ
cblr-9988	532	81	government	government	NOUN
cblr-9988	532	82	prioritized	prioritize	VERB
cblr-9988	532	83	ppp	ppp	NOUN
cblr-9988	532	84	funding	funding	NOUN
cblr-9988	532	85	to	to	ADP
cblr-9988	532	86	blackand	blackand	NOUN
cblr-9988	532	87	minority	minority	NOUN
cblr-9988	532	88	-	-	PUNCT
cblr-9988	532	89	owned	own	VERB
cblr-9988	532	90	small	small	ADJ
cblr-9988	532	91	businesses	business	NOUN
cblr-9988	532	92	by	by	ADP
cblr-9988	532	93	opening	open	VERB
cblr-9988	532	94	applications	application	NOUN
cblr-9988	532	95	to	to	ADP
cblr-9988	532	96	community	community	NOUN
cblr-9988	532	97	lenders	lender	NOUN
cblr-9988	532	98	before	before	ADP
cblr-9988	532	99	opening	open	VERB
cblr-9988	532	100	them	they	PRON
cblr-9988	532	101	to	to	PART
cblr-9988	532	102	larger	large	ADJ
cblr-9988	532	103	banks.177	banks.177	PROPN
cblr-9988	532	104	173	173	NUM
cblr-9988	532	105	scott	scott	PROPN
cblr-9988	532	106	a.	a.	PROPN
cblr-9988	532	107	coleman	coleman	PROPN
cblr-9988	532	108	,	,	PUNCT
cblr-9988	532	109	occ	occ	PROPN
cblr-9988	532	110	approves	approve	VERB
cblr-9988	532	111	national	national	PROPN
cblr-9988	532	112	bank	bank	PROPN
cblr-9988	532	113	charter	charter	NOUN
cblr-9988	532	114	applications	application	NOUN
cblr-9988	532	115	of	of	ADP
cblr-9988	532	116	fintech	fintech	NOUN
cblr-9988	532	117	company	company	NOUN
cblr-9988	532	118	,	,	PUNCT
cblr-9988	532	119	ballard	ballard	PROPN
cblr-9988	532	120	spahr	spahr	PROPN
cblr-9988	532	121	llp	llp	PROPN
cblr-9988	532	122	(	(	PUNCT
cblr-9988	532	123	jan	jan	PROPN
cblr-9988	532	124	.	.	PROPN
cblr-9988	532	125	24	24	NUM
cblr-9988	532	126	,	,	PUNCT
cblr-9988	532	127	2022	2022	NUM
cblr-9988	532	128	)	)	PUNCT
cblr-9988	532	129	,	,	PUNCT
cblr-9988	532	130	https://www.consumerfinancemonitor.com/2022/01/24/occ-approvesnational-bank-charter-applications-of-fintech-company/	https://www.consumerfinancemonitor.com/2022/01/24/occ-approvesnational-bank-charter-applications-of-fintech-company/	NOUN
cblr-9988	533	1	[	[	X
cblr-9988	533	2	https://perma.cc/xqc9-9tpa	https://perma.cc/xqc9-9tpa	X
cblr-9988	533	3	]	]	X
cblr-9988	533	4	.	.	PUNCT
cblr-9988	534	1	174	174	NUM
cblr-9988	534	2	see	see	VERB
cblr-9988	534	3	,	,	PUNCT
cblr-9988	534	4	e.g.	e.g.	ADV
cblr-9988	534	5	,	,	PUNCT
cblr-9988	534	6	mels	mels	PROPN
cblr-9988	534	7	g.	g.	PROPN
cblr-9988	534	8	de	de	PROPN
cblr-9988	534	9	zeeuw	zeeuw	PROPN
cblr-9988	534	10	&	&	CCONJ
cblr-9988	534	11	victor	victor	PROPN
cblr-9988	534	12	e.	e.	PROPN
cblr-9988	534	13	da	da	PROPN
cblr-9988	534	14	motta	motta	PROPN
cblr-9988	534	15	,	,	PUNCT
cblr-9988	534	16	minority	minority	NOUN
cblr-9988	534	17	-	-	PUNCT
cblr-9988	534	18	owned	own	VERB
cblr-9988	534	19	enterprises	enterprise	NOUN
cblr-9988	534	20	and	and	CCONJ
cblr-9988	534	21	access	access	NOUN
cblr-9988	534	22	to	to	ADP
cblr-9988	534	23	capital	capital	NOUN
cblr-9988	534	24	from	from	ADP
cblr-9988	534	25	community	community	NOUN
cblr-9988	534	26	development	development	NOUN
cblr-9988	534	27	financial	financial	ADJ
cblr-9988	534	28	institutions	institution	NOUN
cblr-9988	534	29	,	,	PUNCT
cblr-9988	534	30	cmty	cmty	NOUN
cblr-9988	534	31	.	.	PUNCT
cblr-9988	535	1	dev	dev	PROPN
cblr-9988	535	2	.	.	PUNCT
cblr-9988	536	1	innovation	innovation	PROPN
cblr-9988	536	2	rev	rev	VERB
cblr-9988	536	3	.	.	PROPN
cblr-9988	536	4	,	,	PUNCT
cblr-9988	536	5	winter	winter	NOUN
cblr-9988	536	6	2020–2021	2020–2021	NUM
cblr-9988	536	7	,	,	PUNCT
cblr-9988	536	8	at	at	ADP
cblr-9988	536	9	5	5	NUM
cblr-9988	536	10	,	,	PUNCT
cblr-9988	536	11	5	5	NUM
cblr-9988	536	12	.	.	NOUN
cblr-9988	536	13	175	175	NUM
cblr-9988	536	14	cmty	cmty	NOUN
cblr-9988	536	15	.	.	PUNCT
cblr-9988	537	1	dev	dev	PROPN
cblr-9988	537	2	.	.	PUNCT
cblr-9988	537	3	fin	fin	PROPN
cblr-9988	537	4	.	.	PUNCT
cblr-9988	537	5	inst	inst	PROPN
cblr-9988	537	6	.	.	PUNCT
cblr-9988	537	7	fund	fund	PROPN
cblr-9988	537	8	,	,	PUNCT
cblr-9988	537	9	how	how	SCONJ
cblr-9988	537	10	do	do	AUX
cblr-9988	537	11	the	the	DET
cblr-9988	537	12	cdfi	cdfi	PROPN
cblr-9988	537	13	fund	fund	PROPN
cblr-9988	537	14	’s	’s	PART
cblr-9988	537	15	programs	program	NOUN
cblr-9988	537	16	work	work	VERB
cblr-9988	537	17	?	?	PUNCT
cblr-9988	537	18	,	,	PUNCT
cblr-9988	537	19	https://www.cdfifund.gov/sites/cdfi/files/documents/cdfi_infogrpahic_v03aaf	https://www.cdfifund.gov/sites/cdfi/files/documents/cdfi_infogrpahic_v03aaf	X
cblr-9988	537	20	.pdf	.pdf	PUNCT
cblr-9988	538	1	[	[	X
cblr-9988	538	2	https://perma.cc/guc7-p8dv	https://perma.cc/guc7-p8dv	X
cblr-9988	538	3	]	]	PUNCT
cblr-9988	538	4	.	.	PUNCT
cblr-9988	539	1	176	176	NUM
cblr-9988	539	2	press	press	NOUN
cblr-9988	539	3	release	release	NOUN
cblr-9988	539	4	,	,	PUNCT
cblr-9988	539	5	united	united	PROPN
cblr-9988	539	6	states	states	PROPN
cblr-9988	539	7	treasury	treasury	PROPN
cblr-9988	539	8	dep’t	dep’t	PROPN
cblr-9988	539	9	,	,	PUNCT
cblr-9988	539	10	u.s	u.s	PROPN
cblr-9988	539	11	.	.	PROPN
cblr-9988	539	12	treasury	treasury	PROPN
cblr-9988	539	13	awards	award	NOUN
cblr-9988	539	14	$	$	SYM
cblr-9988	539	15	1.25	1.25	NUM
cblr-9988	539	16	billion	billion	NUM
cblr-9988	539	17	to	to	PART
cblr-9988	539	18	support	support	VERB
cblr-9988	539	19	economic	economic	ADJ
cblr-9988	539	20	relief	relief	NOUN
cblr-9988	539	21	in	in	ADP
cblr-9988	539	22	communities	community	NOUN
cblr-9988	539	23	affected	affect	VERB
cblr-9988	539	24	by	by	ADP
cblr-9988	539	25	covid-19	covid-19	PROPN
cblr-9988	539	26	(	(	PUNCT
cblr-9988	539	27	june	june	PROPN
cblr-9988	539	28	15	15	NUM
cblr-9988	539	29	,	,	PUNCT
cblr-9988	539	30	2021	2021	NUM
cblr-9988	539	31	)	)	PUNCT
cblr-9988	539	32	,	,	PUNCT
cblr-9988	539	33	https://home.treasury.gov/news/pressreleases/jy0228	https://home.treasury.gov/news/pressreleases/jy0228	PROPN
cblr-9988	539	34	[	[	X
cblr-9988	539	35	https://perma.cc/2etz-w8	https://perma.cc/2etz-w8	X
cblr-9988	539	36	ha	ha	X
cblr-9988	539	37	]	]	X
cblr-9988	539	38	.	.	PUNCT
cblr-9988	540	1	177	177	NUM
cblr-9988	540	2	stacy	stacy	PROPN
cblr-9988	540	3	cowley	cowley	PROPN
cblr-9988	540	4	,	,	PUNCT
cblr-9988	540	5	small	small	ADJ
cblr-9988	540	6	-	-	PUNCT
cblr-9988	540	7	business	business	NOUN
cblr-9988	540	8	loan	loan	NOUN
cblr-9988	540	9	program	program	NOUN
cblr-9988	540	10	will	will	AUX
cblr-9988	540	11	restart	restart	VERB
cblr-9988	540	12	monday	monday	PROPN
cblr-9988	540	13	,	,	PUNCT
cblr-9988	540	14	but	but	CCONJ
cblr-9988	540	15	not	not	PART
cblr-9988	540	16	for	for	ADP
cblr-9988	540	17	all	all	DET
cblr-9988	540	18	,	,	PUNCT
cblr-9988	540	19	n.y	n.y	PROPN
cblr-9988	540	20	.	.	PROPN
cblr-9988	540	21	times	times	PROPN
cblr-9988	540	22	(	(	PUNCT
cblr-9988	540	23	jan	jan	PROPN
cblr-9988	540	24	.	.	PROPN
cblr-9988	540	25	8	8	NUM
cblr-9988	540	26	,	,	PUNCT
cblr-9988	540	27	2021	2021	NUM
cblr-9988	540	28	)	)	PUNCT
cblr-9988	540	29	,	,	PUNCT
cblr-9988	540	30	https://www.nytimes.com/2021/01/08/business/smallbusiness/ppp-loansrestart.html	https://www.nytimes.com/2021/01/08/business/smallbusiness/ppp-loansrestart.html	PRON
cblr-9988	541	1	[	[	X
cblr-9988	541	2	https://perma.cc/c4kp-2p4u	https://perma.cc/c4kp-2p4u	X
cblr-9988	541	3	]	]	PUNCT
cblr-9988	541	4	.	.	PUNCT
cblr-9988	542	1	community	community	NOUN
cblr-9988	542	2	lenders	lender	NOUN
cblr-9988	542	3	include	include	VERB
cblr-9988	542	4	cdfis	cdfis	NOUN
cblr-9988	542	5	,	,	PUNCT
cblr-9988	542	6	minority	minority	NOUN
cblr-9988	542	7	depository	depository	NOUN
cblr-9988	542	8	institutions	institution	NOUN
cblr-9988	542	9	,	,	PUNCT
cblr-9988	542	10	and	and	CCONJ
cblr-9988	542	11	certified	certified	ADJ
cblr-9988	542	12	development	development	NOUN
cblr-9988	542	13	companies	company	NOUN
cblr-9988	542	14	,	,	PUNCT
cblr-9988	542	15	and	and	CCONJ
cblr-9988	542	16	make	make	VERB
cblr-9988	542	17	up	up	ADP
cblr-9988	542	18	approximately	approximately	ADV
cblr-9988	542	19	ten	ten	NUM
cblr-9988	542	20	percent	percent	NOUN
cblr-9988	542	21	of	of	ADP
cblr-9988	542	22	the	the	DET
cblr-9988	542	23	over	over	ADP
cblr-9988	542	24	5,000	5,000	NUM
cblr-9988	542	25	lenders	lender	NOUN
cblr-9988	542	26	involved	involve	VERB
cblr-9988	542	27	in	in	ADP
cblr-9988	542	28	the	the	DET
cblr-9988	542	29	ppp	ppp	NOUN
cblr-9988	542	30	program	program	NOUN
cblr-9988	542	31	.	.	PUNCT
cblr-9988	543	1	i	i	PRON
cblr-9988	543	2	d.	d.	PROPN
cblr-9988	543	3	656	656	NUM
cblr-9988	543	4	columbia	columbia	PROPN
cblr-9988	543	5	business	business	NOUN
cblr-9988	543	6	law	law	PROPN
cblr-9988	543	7	review	review	NOUN
cblr-9988	543	8	[	[	X
cblr-9988	543	9	vol	vol	NOUN
cblr-9988	543	10	.	.	PUNCT
cblr-9988	544	1	2022	2022	NUM
cblr-9988	544	2	fintech	fintech	NOUN
cblr-9988	544	3	companies	company	NOUN
cblr-9988	544	4	can	can	AUX
cblr-9988	544	5	become	become	VERB
cblr-9988	544	6	cdfis	cdfis	ADJ
cblr-9988	544	7	.	.	PUNCT
cblr-9988	545	1	in	in	ADP
cblr-9988	545	2	2019	2019	NUM
cblr-9988	545	3	,	,	PUNCT
cblr-9988	545	4	fig	fig	NOUN
cblr-9988	545	5	loans	loan	NOUN
cblr-9988	545	6	became	become	VERB
cblr-9988	545	7	the	the	DET
cblr-9988	545	8	first	first	ADJ
cblr-9988	545	9	fintech	fintech	NOUN
cblr-9988	545	10	company	company	NOUN
cblr-9988	545	11	to	to	PART
cblr-9988	545	12	receive	receive	VERB
cblr-9988	545	13	a	a	DET
cblr-9988	545	14	cdfi	cdfi	ADJ
cblr-9988	545	15	certification.178	certification.178	NOUN
cblr-9988	545	16	combining	combine	VERB
cblr-9988	545	17	the	the	DET
cblr-9988	545	18	goals	goal	NOUN
cblr-9988	545	19	of	of	ADP
cblr-9988	545	20	online	online	ADJ
cblr-9988	545	21	lending	lending	NOUN
cblr-9988	545	22	and	and	CCONJ
cblr-9988	545	23	community	community	NOUN
cblr-9988	545	24	investment	investment	NOUN
cblr-9988	545	25	,	,	PUNCT
cblr-9988	545	26	fig	fig	NOUN
cblr-9988	545	27	loans	loan	NOUN
cblr-9988	545	28	began	begin	VERB
cblr-9988	545	29	offering	offer	VERB
cblr-9988	545	30	affordable	affordable	ADJ
cblr-9988	545	31	loans	loan	NOUN
cblr-9988	545	32	to	to	ADP
cblr-9988	545	33	working	work	VERB
cblr-9988	545	34	class	class	NOUN
cblr-9988	545	35	people	people	NOUN
cblr-9988	545	36	in	in	ADP
cblr-9988	545	37	texas	texas	PROPN
cblr-9988	545	38	,	,	PUNCT
cblr-9988	545	39	using	use	VERB
cblr-9988	545	40	predictive	predictive	ADJ
cblr-9988	545	41	analytics	analytic	NOUN
cblr-9988	545	42	for	for	ADP
cblr-9988	545	43	underwriting.179	underwriting.179	NUM
cblr-9988	545	44	fig	fig	NOUN
cblr-9988	545	45	loans	loan	NOUN
cblr-9988	545	46	helps	help	VERB
cblr-9988	545	47	consumers	consumer	NOUN
cblr-9988	545	48	repay	repay	VERB
cblr-9988	545	49	their	their	PRON
cblr-9988	545	50	loans	loan	NOUN
cblr-9988	545	51	and	and	CCONJ
cblr-9988	545	52	establish	establish	VERB
cblr-9988	545	53	credit	credit	NOUN
cblr-9988	545	54	by	by	ADP
cblr-9988	545	55	setting	set	VERB
cblr-9988	545	56	a	a	DET
cblr-9988	545	57	maximum	maximum	ADJ
cblr-9988	545	58	apr	apr	NOUN
cblr-9988	545	59	of	of	ADP
cblr-9988	545	60	190	190	NUM
cblr-9988	545	61	%	%	NOUN
cblr-9988	545	62	,	,	PUNCT
cblr-9988	545	63	extending	extend	VERB
cblr-9988	545	64	loan	loan	NOUN
cblr-9988	545	65	repayment	repayment	NOUN
cblr-9988	545	66	due	due	ADJ
cblr-9988	545	67	dates	date	NOUN
cblr-9988	545	68	without	without	ADP
cblr-9988	545	69	assessing	assess	VERB
cblr-9988	545	70	fees	fee	NOUN
cblr-9988	545	71	,	,	PUNCT
cblr-9988	545	72	and	and	CCONJ
cblr-9988	545	73	reporting	report	VERB
cblr-9988	545	74	to	to	ADP
cblr-9988	545	75	credit	credit	NOUN
cblr-9988	545	76	agencies.180	agencies.180	PROPN
cblr-9988	545	77	fig	fig	NOUN
cblr-9988	545	78	loans	loan	NOUN
cblr-9988	545	79	only	only	ADV
cblr-9988	545	80	offers	offer	VERB
cblr-9988	545	81	loans	loan	NOUN
cblr-9988	545	82	in	in	ADP
cblr-9988	545	83	amounts	amount	NOUN
cblr-9988	545	84	of	of	ADP
cblr-9988	545	85	$	$	SYM
cblr-9988	545	86	300	300	NUM
cblr-9988	545	87	to	to	PART
cblr-9988	545	88	$	$	SYM
cblr-9988	545	89	750.181	750.181	NUM
cblr-9988	545	90	similarly	similarly	ADV
cblr-9988	545	91	,	,	PUNCT
cblr-9988	545	92	oportun	oportun	PROPN
cblr-9988	545	93	is	be	AUX
cblr-9988	545	94	a	a	DET
cblr-9988	545	95	cdfi	cdfi	PROPN
cblr-9988	545	96	that	that	PRON
cblr-9988	545	97	uses	use	VERB
cblr-9988	545	98	its	its	PRON
cblr-9988	545	99	own	own	ADJ
cblr-9988	545	100	credit	credit	NOUN
cblr-9988	545	101	scoring	scoring	NOUN
cblr-9988	545	102	system	system	NOUN
cblr-9988	545	103	to	to	PART
cblr-9988	545	104	underwrite	underwrite	VERB
cblr-9988	545	105	loans.182	loans.182	PROPN
cblr-9988	545	106	oportun	oportun	PROPN
cblr-9988	545	107	offers	offer	VERB
cblr-9988	545	108	loans	loan	NOUN
cblr-9988	545	109	between	between	ADP
cblr-9988	545	110	$	$	SYM
cblr-9988	545	111	300	300	NUM
cblr-9988	545	112	and	and	CCONJ
cblr-9988	545	113	$	$	SYM
cblr-9988	545	114	10,000	10,000	NUM
cblr-9988	545	115	,	,	PUNCT
cblr-9988	545	116	caps	cap	NOUN
cblr-9988	545	117	aprs	aprs	NOUN
cblr-9988	545	118	no	no	ADV
cblr-9988	545	119	higher	high	ADJ
cblr-9988	545	120	than	than	ADP
cblr-9988	545	121	35.99	35.99	NUM
cblr-9988	545	122	%	%	NOUN
cblr-9988	545	123	and	and	CCONJ
cblr-9988	545	124	reports	report	VERB
cblr-9988	545	125	loan	loan	NOUN
cblr-9988	545	126	repayment	repayment	NOUN
cblr-9988	545	127	to	to	ADP
cblr-9988	545	128	credit	credit	NOUN
cblr-9988	545	129	bureaus.183	bureaus.183	PROPN
cblr-9988	545	130	oportun	oportun	PROPN
cblr-9988	545	131	(	(	PUNCT
cblr-9988	545	132	then	then	ADV
cblr-9988	545	133	known	know	VERB
cblr-9988	545	134	as	as	ADP
cblr-9988	545	135	progreso	progreso	PROPN
cblr-9988	545	136	financiero	financiero	PROPN
cblr-9988	545	137	)	)	PUNCT
cblr-9988	545	138	was	be	AUX
cblr-9988	545	139	founded	found	VERB
cblr-9988	545	140	with	with	ADP
cblr-9988	545	141	the	the	DET
cblr-9988	545	142	goal	goal	NOUN
cblr-9988	545	143	of	of	ADP
cblr-9988	545	144	providing	provide	VERB
cblr-9988	545	145	loans	loan	NOUN
cblr-9988	545	146	to	to	ADP
cblr-9988	545	147	unbanked	unbanked	ADJ
cblr-9988	545	148	and	and	CCONJ
cblr-9988	545	149	underbanked	underbanked	ADJ
cblr-9988	545	150	hispanic	hispanic	ADJ
cblr-9988	545	151	consumers	consumer	NOUN
cblr-9988	545	152	in	in	ADP
cblr-9988	545	153	texas	texas	PROPN
cblr-9988	545	154	and	and	CCONJ
cblr-9988	545	155	california	california	PROPN
cblr-9988	545	156	but	but	CCONJ
cblr-9988	545	157	has	have	AUX
cblr-9988	545	158	since	since	SCONJ
cblr-9988	545	159	expanded	expand	VERB
cblr-9988	545	160	to	to	ADP
cblr-9988	545	161	more	more	ADJ
cblr-9988	545	162	states.184	states.184	NOUN
cblr-9988	545	163	fintech	fintech	NOUN
cblr-9988	545	164	cdfis	cdfis	NOUN
cblr-9988	545	165	use	use	VERB
cblr-9988	545	166	predictive	predictive	ADJ
cblr-9988	545	167	analytics	analytic	NOUN
cblr-9988	545	168	to	to	PART
cblr-9988	545	169	offer	offer	VERB
cblr-9988	545	170	affordable	affordable	ADJ
cblr-9988	545	171	loans	loan	NOUN
cblr-9988	545	172	to	to	ADP
cblr-9988	545	173	those	those	PRON
cblr-9988	545	174	in	in	ADP
cblr-9988	545	175	low	low	ADJ
cblr-9988	545	176	-	-	PUNCT
cblr-9988	545	177	income	income	NOUN
cblr-9988	545	178	communities	community	NOUN
cblr-9988	545	179	.	.	PUNCT
cblr-9988	546	1	to	to	ADP
cblr-9988	546	2	the	the	DET
cblr-9988	546	3	extent	extent	NOUN
cblr-9988	546	4	that	that	PRON
cblr-9988	546	5	cdfis	cdfis	NOUN
cblr-9988	546	6	are	be	AUX
cblr-9988	546	7	involved	involve	VERB
cblr-9988	546	8	in	in	ADP
cblr-9988	546	9	federal	federal	ADJ
cblr-9988	546	10	government	government	NOUN
cblr-9988	546	11	programs	program	NOUN
cblr-9988	546	12	such	such	ADJ
cblr-9988	546	13	as	as	ADP
cblr-9988	546	14	ppp	ppp	NOUN
cblr-9988	546	15	,	,	PUNCT
cblr-9988	546	16	their	their	PRON
cblr-9988	546	17	status	status	NOUN
cblr-9988	546	18	as	as	ADP
cblr-9988	546	19	cdfis	cdfis	NOUN
cblr-9988	546	20	allows	allow	VERB
cblr-9988	546	21	their	their	PRON
cblr-9988	546	22	borrowers	borrower	NOUN
cblr-9988	546	23	access	access	NOUN
cblr-9988	546	24	to	to	ADP
cblr-9988	546	25	178	178	NUM
cblr-9988	546	26	fig	fig	NOUN
cblr-9988	546	27	loans	loan	NOUN
cblr-9988	546	28	becomes	become	VERB
cblr-9988	546	29	first	first	ADJ
cblr-9988	546	30	fintech	fintech	NOUN
cblr-9988	546	31	to	to	PART
cblr-9988	546	32	receive	receive	VERB
cblr-9988	546	33	cdfi	cdfi	PROPN
cblr-9988	546	34	and	and	CCONJ
cblr-9988	546	35	b	b	PROPN
cblr-9988	546	36	corp	corp	PROPN
cblr-9988	546	37	certifications	certifications	PROPN
cblr-9988	546	38	,	,	PUNCT
cblr-9988	546	39	fig	fig	NOUN
cblr-9988	546	40	loans	loan	NOUN
cblr-9988	546	41	(	(	PUNCT
cblr-9988	546	42	may	may	PROPN
cblr-9988	546	43	7	7	NUM
cblr-9988	546	44	,	,	PUNCT
cblr-9988	546	45	2019	2019	NUM
cblr-9988	546	46	,	,	PUNCT
cblr-9988	546	47	11:00	11:00	NUM
cblr-9988	546	48	am	am	NOUN
cblr-9988	546	49	)	)	PUNCT
cblr-9988	546	50	,	,	PUNCT
cblr-9988	547	1	https://www.figloans.com/press/cdfi_houston	https://www.figloans.com/press/cdfi_houston	NOUN
cblr-9988	548	1	[	[	X
cblr-9988	548	2	https://perma.cc/358ybk5k	https://perma.cc/358ybk5k	NOUN
cblr-9988	548	3	]	]	X
cblr-9988	548	4	.	.	PUNCT
cblr-9988	549	1	179	179	NUM
cblr-9988	550	1	i	i	PRON
cblr-9988	550	2	d.	d.	PROPN
cblr-9988	550	3	180	180	NUM
cblr-9988	550	4	eliza	eliza	PROPN
cblr-9988	550	5	platts	platts	PROPN
cblr-9988	550	6	-	-	PUNCT
cblr-9988	550	7	mills	mill	NOUN
cblr-9988	550	8	&	&	CCONJ
cblr-9988	550	9	justin	justin	PROPN
cblr-9988	550	10	chung	chung	PROPN
cblr-9988	550	11	,	,	PUNCT
cblr-9988	550	12	challenging	challenge	VERB
cblr-9988	550	13	payday	payday	NOUN
cblr-9988	550	14	lenders	lender	NOUN
cblr-9988	550	15	by	by	ADP
cblr-9988	550	16	opening	open	VERB
cblr-9988	550	17	up	up	ADP
cblr-9988	550	18	the	the	DET
cblr-9988	550	19	market	market	NOUN
cblr-9988	550	20	for	for	ADP
cblr-9988	550	21	small	small	ADJ
cblr-9988	550	22	-	-	PUNCT
cblr-9988	550	23	dollar	dollar	NOUN
cblr-9988	550	24	loans	loan	NOUN
cblr-9988	550	25	,	,	PUNCT
cblr-9988	550	26	33	33	NUM
cblr-9988	550	27	byu	byu	NOUN
cblr-9988	550	28	j.	j.	PROPN
cblr-9988	550	29	pub	pub	PROPN
cblr-9988	550	30	.	.	PUNCT
cblr-9988	551	1	l.	l.	PROPN
cblr-9988	551	2	101	101	NUM
cblr-9988	551	3	,	,	PUNCT
cblr-9988	551	4	134	134	NUM
cblr-9988	551	5	–	–	PUNCT
cblr-9988	551	6	135	135	NUM
cblr-9988	551	7	(	(	PUNCT
cblr-9988	551	8	2019	2019	NUM
cblr-9988	551	9	)	)	PUNCT
cblr-9988	551	10	.	.	PUNCT
cblr-9988	552	1	181	181	NUM
cblr-9988	552	2	philosophy	philosophy	NOUN
cblr-9988	552	3	:	:	PUNCT
cblr-9988	552	4	financial	financial	ADJ
cblr-9988	552	5	tools	tool	NOUN
cblr-9988	552	6	that	that	PRON
cblr-9988	552	7	meet	meet	VERB
cblr-9988	552	8	immediate	immediate	ADJ
cblr-9988	552	9	needs	need	NOUN
cblr-9988	552	10	and	and	CCONJ
cblr-9988	552	11	build	build	VERB
cblr-9988	552	12	future	future	ADJ
cblr-9988	552	13	wellbeing	wellbeing	NOUN
cblr-9988	552	14	,	,	PUNCT
cblr-9988	552	15	fig	fig	NOUN
cblr-9988	552	16	loans	loan	NOUN
cblr-9988	552	17	,	,	PUNCT
cblr-9988	552	18	https://www.figloans.com/about/responsiblelending-model	https://www.figloans.com/about/responsiblelending-model	PROPN
cblr-9988	552	19	[	[	X
cblr-9988	552	20	https://perma.cc/a4ft-cz6z	https://perma.cc/a4ft-cz6z	X
cblr-9988	552	21	]	]	X
cblr-9988	552	22	(	(	PUNCT
cblr-9988	552	23	last	last	ADJ
cblr-9988	552	24	visited	visit	VERB
cblr-9988	552	25	apr	apr	NOUN
cblr-9988	552	26	.	.	PROPN
cblr-9988	552	27	5	5	NUM
cblr-9988	552	28	,	,	PUNCT
cblr-9988	552	29	2022	2022	NUM
cblr-9988	552	30	)	)	PUNCT
cblr-9988	552	31	.	.	PUNCT
cblr-9988	553	1	182	182	NUM
cblr-9988	553	2	platts	platt	NOUN
cblr-9988	553	3	-	-	PUNCT
cblr-9988	553	4	mills	mill	NOUN
cblr-9988	553	5	&	&	CCONJ
cblr-9988	553	6	chung	chung	PROPN
cblr-9988	553	7	,	,	PUNCT
cblr-9988	553	8	supra	supra	PROPN
cblr-9988	553	9	note	note	PROPN
cblr-9988	553	10	180	180	NUM
cblr-9988	553	11	,	,	PUNCT
cblr-9988	553	12	at	at	ADP
cblr-9988	553	13	138	138	NUM
cblr-9988	553	14	.	.	PUNCT
cblr-9988	554	1	183	183	NUM
cblr-9988	554	2	affordable	affordable	ADJ
cblr-9988	554	3	personal	personal	ADJ
cblr-9988	554	4	loans	loan	NOUN
cblr-9988	554	5	,	,	PUNCT
cblr-9988	554	6	oportun	oportun	PROPN
cblr-9988	554	7	,	,	PUNCT
cblr-9988	554	8	https://oportun.com/personalloans/	https://oportun.com/personalloans/	X
cblr-9988	555	1	[	[	X
cblr-9988	555	2	https://perma.cc/c49y-l5y4	https://perma.cc/c49y-l5y4	X
cblr-9988	555	3	]	]	X
cblr-9988	555	4	.	.	PUNCT
cblr-9988	556	1	184	184	NUM
cblr-9988	556	2	platts	platt	NOUN
cblr-9988	556	3	-	-	PUNCT
cblr-9988	556	4	mills	mill	NOUN
cblr-9988	556	5	&	&	CCONJ
cblr-9988	556	6	chung	chung	PROPN
cblr-9988	556	7	supra	supra	PROPN
cblr-9988	556	8	note	note	PROPN
cblr-9988	556	9	180	180	NUM
cblr-9988	556	10	.	.	PUNCT
cblr-9988	557	1	oportun	oportun	PROPN
cblr-9988	557	2	’s	’s	PART
cblr-9988	557	3	customers	customer	NOUN
cblr-9988	557	4	earn	earn	VERB
cblr-9988	557	5	$	$	SYM
cblr-9988	557	6	46,000	46,000	NUM
cblr-9988	557	7	per	per	ADP
cblr-9988	557	8	year	year	NOUN
cblr-9988	557	9	on	on	ADP
cblr-9988	557	10	average	average	ADJ
cblr-9988	557	11	.	.	PUNCT
cblr-9988	558	1	oportun	oportun	PROPN
cblr-9988	558	2	applies	apply	VERB
cblr-9988	558	3	for	for	ADP
cblr-9988	558	4	national	national	PROPN
cblr-9988	558	5	bank	bank	PROPN
cblr-9988	558	6	charter	charter	NOUN
cblr-9988	558	7	with	with	ADP
cblr-9988	558	8	the	the	DET
cblr-9988	558	9	office	office	NOUN
cblr-9988	558	10	of	of	ADP
cblr-9988	558	11	the	the	DET
cblr-9988	558	12	comptroller	comptroller	NOUN
cblr-9988	558	13	of	of	ADP
cblr-9988	558	14	the	the	DET
cblr-9988	558	15	currency	currency	NOUN
cblr-9988	558	16	(	(	PUNCT
cblr-9988	558	17	occ	occ	PROPN
cblr-9988	558	18	)	)	PUNCT
cblr-9988	558	19	,	,	PUNCT
cblr-9988	558	20	oportun	oportun	PROPN
cblr-9988	558	21	(	(	PUNCT
cblr-9988	558	22	nov	nov	PROPN
cblr-9988	558	23	.	.	PROPN
cblr-9988	558	24	23	23	NUM
cblr-9988	558	25	,	,	PUNCT
cblr-9988	558	26	2020	2020	NUM
cblr-9988	558	27	)	)	PUNCT
cblr-9988	558	28	,	,	PUNCT
cblr-9988	558	29	https://oportun.com/about/press/oportun-applies-for-national-bankcharter-with-the-occ/	https://oportun.com/about/press/oportun-applies-for-national-bankcharter-with-the-occ/	X
cblr-9988	559	1	[	[	X
cblr-9988	559	2	https://perma.cc/qny9-lpch	https://perma.cc/qny9-lpch	X
cblr-9988	559	3	]	]	PUNCT
cblr-9988	559	4	.	.	PUNCT
cblr-9988	560	1	no	no	INTJ
cblr-9988	560	2	.	.	PUNCT
cblr-9988	561	1	1:621	1:621	NUM
cblr-9988	561	2	]	]	X
cblr-9988	561	3	expand	expand	VERB
cblr-9988	561	4	online	online	ADJ
cblr-9988	561	5	lending	lending	NOUN
cblr-9988	561	6	to	to	ADP
cblr-9988	561	7	minority	minority	NOUN
cblr-9988	561	8	business	business	NOUN
cblr-9988	561	9	owners	owner	NOUN
cblr-9988	561	10	657	657	NUM
cblr-9988	561	11	funding	funding	NOUN
cblr-9988	561	12	during	during	ADP
cblr-9988	561	13	an	an	DET
cblr-9988	561	14	economic	economic	ADJ
cblr-9988	561	15	downturn	downturn	NOUN
cblr-9988	561	16	.	.	PUNCT
cblr-9988	562	1	furthermore	furthermore	ADV
cblr-9988	562	2	,	,	PUNCT
cblr-9988	562	3	these	these	DET
cblr-9988	562	4	fintech	fintech	NOUN
cblr-9988	562	5	companies	company	NOUN
cblr-9988	562	6	are	be	AUX
cblr-9988	562	7	eligible	eligible	ADJ
cblr-9988	562	8	for	for	ADP
cblr-9988	562	9	government	government	NOUN
cblr-9988	562	10	loans	loan	NOUN
cblr-9988	562	11	and	and	CCONJ
cblr-9988	562	12	grants	grant	NOUN
cblr-9988	562	13	from	from	ADP
cblr-9988	562	14	the	the	DET
cblr-9988	562	15	cdfi	cdfi	PROPN
cblr-9988	562	16	program.185	program.185	NOUN
cblr-9988	562	17	however	however	ADV
cblr-9988	562	18	,	,	PUNCT
cblr-9988	562	19	to	to	PART
cblr-9988	562	20	receive	receive	VERB
cblr-9988	562	21	these	these	DET
cblr-9988	562	22	benefits	benefit	NOUN
cblr-9988	562	23	,	,	PUNCT
cblr-9988	562	24	lenders	lender	NOUN
cblr-9988	562	25	must	must	AUX
cblr-9988	562	26	receive	receive	VERB
cblr-9988	562	27	cdfi	cdfi	PROPN
cblr-9988	562	28	certification	certification	NOUN
cblr-9988	562	29	,	,	PUNCT
cblr-9988	562	30	which	which	PRON
cblr-9988	562	31	necessitates	necessitate	VERB
cblr-9988	562	32	that	that	SCONJ
cblr-9988	562	33	they	they	PRON
cblr-9988	562	34	have	have	VERB
cblr-9988	562	35	a	a	DET
cblr-9988	562	36	primary	primary	ADJ
cblr-9988	562	37	goal	goal	NOUN
cblr-9988	562	38	of	of	ADP
cblr-9988	562	39	promoting	promote	VERB
cblr-9988	562	40	community	community	NOUN
cblr-9988	562	41	development	development	NOUN
cblr-9988	562	42	.	.	PUNCT
cblr-9988	563	1	few	few	ADJ
cblr-9988	563	2	fintech	fintech	NOUN
cblr-9988	563	3	lenders	lender	NOUN
cblr-9988	563	4	are	be	AUX
cblr-9988	563	5	founded	found	VERB
cblr-9988	563	6	with	with	ADP
cblr-9988	563	7	such	such	DET
cblr-9988	563	8	a	a	DET
cblr-9988	563	9	primary	primary	ADJ
cblr-9988	563	10	goal.186	goal.186	NOUN
cblr-9988	563	11	the	the	DET
cblr-9988	563	12	next	next	ADJ
cblr-9988	563	13	sections	section	NOUN
cblr-9988	563	14	outline	outline	VERB
cblr-9988	563	15	a	a	DET
cblr-9988	563	16	proposal	proposal	NOUN
cblr-9988	563	17	for	for	ADP
cblr-9988	563	18	a	a	DET
cblr-9988	563	19	cdfi	cdfi	VERB
cblr-9988	563	20	-	-	PUNCT
cblr-9988	563	21	like	like	ADJ
cblr-9988	563	22	program	program	NOUN
cblr-9988	563	23	that	that	PRON
cblr-9988	563	24	incentivizes	incentivize	VERB
cblr-9988	563	25	fintech	fintech	NOUN
cblr-9988	563	26	companies	company	NOUN
cblr-9988	563	27	to	to	PART
cblr-9988	563	28	invest	invest	VERB
cblr-9988	563	29	in	in	ADP
cblr-9988	563	30	lowincome	lowincome	NOUN
cblr-9988	563	31	or	or	CCONJ
cblr-9988	563	32	minority	minority	NOUN
cblr-9988	563	33	communities	community	NOUN
cblr-9988	563	34	.	.	PUNCT
cblr-9988	564	1	in	in	ADP
cblr-9988	564	2	exchange	exchange	NOUN
cblr-9988	564	3	for	for	ADP
cblr-9988	564	4	meeting	meet	VERB
cblr-9988	564	5	a	a	DET
cblr-9988	564	6	minimum	minimum	ADJ
cblr-9988	564	7	level	level	NOUN
cblr-9988	564	8	of	of	ADP
cblr-9988	564	9	investment	investment	NOUN
cblr-9988	564	10	,	,	PUNCT
cblr-9988	564	11	these	these	DET
cblr-9988	564	12	lenders	lender	NOUN
cblr-9988	564	13	receive	receive	VERB
cblr-9988	564	14	a	a	DET
cblr-9988	564	15	certification	certification	NOUN
cblr-9988	564	16	,	,	PUNCT
cblr-9988	564	17	which	which	PRON
cblr-9988	564	18	can	can	AUX
cblr-9988	564	19	be	be	AUX
cblr-9988	564	20	called	call	VERB
cblr-9988	564	21	a	a	DET
cblr-9988	564	22	“	"	PUNCT
cblr-9988	564	23	community	community	NOUN
cblr-9988	564	24	investment	investment	NOUN
cblr-9988	564	25	certification	certification	NOUN
cblr-9988	564	26	.	.	PUNCT
cblr-9988	564	27	”	"	PUNCT
cblr-9988	565	1	the	the	DET
cblr-9988	565	2	certification	certification	NOUN
cblr-9988	565	3	will	will	AUX
cblr-9988	565	4	allow	allow	VERB
cblr-9988	565	5	such	such	ADJ
cblr-9988	565	6	lenders	lender	NOUN
cblr-9988	565	7	to	to	PART
cblr-9988	565	8	apply	apply	VERB
cblr-9988	565	9	for	for	ADP
cblr-9988	565	10	federal	federal	ADJ
cblr-9988	565	11	grants	grant	NOUN
cblr-9988	565	12	and	and	CCONJ
cblr-9988	565	13	attract	attract	VERB
cblr-9988	565	14	investment	investment	NOUN
cblr-9988	565	15	from	from	ADP
cblr-9988	565	16	socially	socially	ADV
cblr-9988	565	17	conscious	conscious	ADJ
cblr-9988	565	18	investors	investor	NOUN
cblr-9988	565	19	.	.	PUNCT
cblr-9988	566	1	however	however	ADV
cblr-9988	566	2	,	,	PUNCT
cblr-9988	566	3	to	to	PART
cblr-9988	566	4	maintain	maintain	VERB
cblr-9988	566	5	certification	certification	NOUN
cblr-9988	566	6	and	and	CCONJ
cblr-9988	566	7	to	to	PART
cblr-9988	566	8	comply	comply	VERB
cblr-9988	566	9	with	with	ADP
cblr-9988	566	10	conditions	condition	NOUN
cblr-9988	566	11	with	with	ADP
cblr-9988	566	12	receiving	receive	VERB
cblr-9988	566	13	federal	federal	ADJ
cblr-9988	566	14	grants	grant	NOUN
cblr-9988	566	15	,	,	PUNCT
cblr-9988	566	16	the	the	DET
cblr-9988	566	17	online	online	ADJ
cblr-9988	566	18	lenders	lender	NOUN
cblr-9988	566	19	must	must	AUX
cblr-9988	566	20	maintain	maintain	VERB
cblr-9988	566	21	enough	enough	ADJ
cblr-9988	566	22	capital	capital	NOUN
cblr-9988	566	23	reserves	reserve	NOUN
cblr-9988	566	24	to	to	PART
cblr-9988	566	25	ensure	ensure	VERB
cblr-9988	566	26	they	they	PRON
cblr-9988	566	27	can	can	AUX
cblr-9988	566	28	continue	continue	VERB
cblr-9988	566	29	to	to	PART
cblr-9988	566	30	serve	serve	VERB
cblr-9988	566	31	small	small	ADJ
cblr-9988	566	32	businesses	business	NOUN
cblr-9988	566	33	and	and	CCONJ
cblr-9988	566	34	other	other	ADJ
cblr-9988	566	35	borrowers	borrower	NOUN
cblr-9988	566	36	in	in	ADP
cblr-9988	566	37	the	the	DET
cblr-9988	566	38	community	community	NOUN
cblr-9988	566	39	they	they	PRON
cblr-9988	566	40	serve	serve	VERB
cblr-9988	566	41	during	during	ADP
cblr-9988	566	42	an	an	DET
cblr-9988	566	43	economic	economic	ADJ
cblr-9988	566	44	downturn	downturn	NOUN
cblr-9988	566	45	.	.	PUNCT
cblr-9988	567	1	this	this	DET
cblr-9988	567	2	cdfi	cdfi	ADJ
cblr-9988	567	3	-	-	PUNCT
cblr-9988	567	4	like	like	ADJ
cblr-9988	567	5	program	program	NOUN
cblr-9988	567	6	could	could	AUX
cblr-9988	567	7	be	be	AUX
cblr-9988	567	8	run	run	VERB
cblr-9988	567	9	by	by	ADP
cblr-9988	567	10	the	the	DET
cblr-9988	567	11	cdfi	cdfi	PROPN
cblr-9988	567	12	fund	fund	NOUN
cblr-9988	567	13	or	or	CCONJ
cblr-9988	567	14	another	another	DET
cblr-9988	567	15	oversight	oversight	NOUN
cblr-9988	567	16	body	body	NOUN
cblr-9988	567	17	.	.	PUNCT
cblr-9988	568	1	185	185	NUM
cblr-9988	568	2	12	12	NUM
cblr-9988	568	3	c.f.r	c.f.r	NOUN
cblr-9988	568	4	.	.	PUNCT
cblr-9988	569	1	§	§	PROPN
cblr-9988	569	2	1805.201(b)(1	1805.201(b)(1	NUM
cblr-9988	569	3	)	)	PUNCT
cblr-9988	569	4	(	(	PUNCT
cblr-9988	569	5	2021	2021	NUM
cblr-9988	569	6	)	)	PUNCT
cblr-9988	569	7	.	.	PUNCT
cblr-9988	570	1	in	in	ADP
cblr-9988	570	2	determining	determine	VERB
cblr-9988	570	3	whether	whether	SCONJ
cblr-9988	570	4	a	a	DET
cblr-9988	570	5	cdfi	cdfi	PROPN
cblr-9988	570	6	has	have	VERB
cblr-9988	570	7	a	a	DET
cblr-9988	570	8	primary	primary	ADJ
cblr-9988	570	9	goal	goal	NOUN
cblr-9988	570	10	of	of	ADP
cblr-9988	570	11	promoting	promote	VERB
cblr-9988	570	12	community	community	NOUN
cblr-9988	570	13	development	development	NOUN
cblr-9988	570	14	,	,	PUNCT
cblr-9988	570	15	the	the	DET
cblr-9988	570	16	cdfi	cdfi	PROPN
cblr-9988	570	17	fund	fund	NOUN
cblr-9988	570	18	considers	consider	VERB
cblr-9988	570	19	whether	whether	SCONJ
cblr-9988	570	20	the	the	DET
cblr-9988	570	21	cdfi	cdfi	NOUN
cblr-9988	570	22	’s	’s	PART
cblr-9988	570	23	activities	activity	NOUN
cblr-9988	570	24	are	be	AUX
cblr-9988	570	25	intentionally	intentionally	ADV
cblr-9988	570	26	“	"	PUNCT
cblr-9988	570	27	directed	direct	VERB
cblr-9988	570	28	toward	toward	ADP
cblr-9988	570	29	improving	improve	VERB
cblr-9988	570	30	the	the	DET
cblr-9988	570	31	social	social	ADJ
cblr-9988	570	32	and/or	and/or	CCONJ
cblr-9988	570	33	economic	economic	ADJ
cblr-9988	570	34	conditions	condition	NOUN
cblr-9988	570	35	of	of	ADP
cblr-9988	570	36	underserved	underserved	ADJ
cblr-9988	570	37	people	people	NOUN
cblr-9988	570	38	.	.	PUNCT
cblr-9988	570	39	.	.	PUNCT
cblr-9988	570	40	.	.	PUNCT
cblr-9988	571	1	and/or	and/or	CCONJ
cblr-9988	572	1	residents	resident	NOUN
cblr-9988	572	2	of	of	ADP
cblr-9988	572	3	economically	economically	ADV
cblr-9988	572	4	distressed	distressed	ADJ
cblr-9988	572	5	communities	community	NOUN
cblr-9988	572	6	.	.	PUNCT
cblr-9988	572	7	”	"	PUNCT
cblr-9988	573	1	i	i	PRON
cblr-9988	573	2	d.	d.	PROPN
cblr-9988	573	3	186	186	NUM
cblr-9988	573	4	indeed	indeed	ADV
cblr-9988	573	5	,	,	PUNCT
cblr-9988	573	6	many	many	ADJ
cblr-9988	573	7	of	of	ADP
cblr-9988	573	8	the	the	DET
cblr-9988	573	9	fintech	fintech	NOUN
cblr-9988	573	10	companies	company	NOUN
cblr-9988	573	11	that	that	PRON
cblr-9988	573	12	aim	aim	VERB
cblr-9988	573	13	to	to	PART
cblr-9988	573	14	serve	serve	VERB
cblr-9988	573	15	disadvantaged	disadvantaged	ADJ
cblr-9988	573	16	communities	community	NOUN
cblr-9988	573	17	are	be	AUX
cblr-9988	573	18	b	b	PROPN
cblr-9988	573	19	corps	corps	NOUN
cblr-9988	573	20	.	.	PUNCT
cblr-9988	574	1	for	for	ADP
cblr-9988	574	2	example	example	NOUN
cblr-9988	574	3	,	,	PUNCT
cblr-9988	574	4	fig	fig	NOUN
cblr-9988	574	5	loans	loan	NOUN
cblr-9988	574	6	,	,	PUNCT
cblr-9988	574	7	a	a	DET
cblr-9988	574	8	fintech	fintech	NOUN
cblr-9988	574	9	cdfi	cdfi	VERB
cblr-9988	574	10	,	,	PUNCT
cblr-9988	574	11	and	and	CCONJ
cblr-9988	574	12	cnote	cnote	VERB
cblr-9988	574	13	,	,	PUNCT
cblr-9988	574	14	an	an	DET
cblr-9988	574	15	impact	impact	NOUN
cblr-9988	574	16	investing	investing	NOUN
cblr-9988	574	17	platform	platform	NOUN
cblr-9988	574	18	,	,	PUNCT
cblr-9988	574	19	are	be	AUX
cblr-9988	574	20	both	both	PRON
cblr-9988	574	21	b	b	PROPN
cblr-9988	574	22	corps	corps	PROPN
cblr-9988	574	23	.	.	PUNCT
cblr-9988	575	1	fig	fig	NOUN
cblr-9988	575	2	loans	loan	NOUN
cblr-9988	575	3	becomes	become	VERB
cblr-9988	575	4	first	first	ADJ
cblr-9988	575	5	fintech	fintech	NOUN
cblr-9988	575	6	to	to	PART
cblr-9988	575	7	receive	receive	VERB
cblr-9988	575	8	cdfi	cdfi	PROPN
cblr-9988	575	9	and	and	CCONJ
cblr-9988	575	10	b	b	PROPN
cblr-9988	575	11	corp	corp	PROPN
cblr-9988	575	12	certifications	certifications	PROPN
cblr-9988	575	13	,	,	PUNCT
cblr-9988	575	14	bus	bus	NOUN
cblr-9988	575	15	.	.	PUNCT
cblr-9988	576	1	wire	wire	NOUN
cblr-9988	576	2	(	(	PUNCT
cblr-9988	576	3	may	may	PROPN
cblr-9988	576	4	7	7	NUM
cblr-9988	576	5	,	,	PUNCT
cblr-9988	576	6	2019	2019	NUM
cblr-9988	576	7	,	,	PUNCT
cblr-9988	576	8	11:05	11:05	NUM
cblr-9988	576	9	am	am	NOUN
cblr-9988	576	10	)	)	PUNCT
cblr-9988	576	11	,	,	PUNCT
cblr-9988	576	12	https://www.businesswire.com/news/home/20190507005763/en/fig-loansbecomes-first-fintech-to-receive-cdfi-and-b-corp-certifications	https://www.businesswire.com/news/home/20190507005763/en/fig-loansbecomes-first-fintech-to-receive-cdfi-and-b-corp-certification	VERB
cblr-9988	577	1	[	[	X
cblr-9988	577	2	https://perma.cc/d529-bl9e	https://perma.cc/d529-bl9e	X
cblr-9988	577	3	]	]	X
cblr-9988	577	4	;	;	PUNCT
cblr-9988	577	5	cnote	cnote	NOUN
cblr-9988	577	6	is	be	AUX
cblr-9988	577	7	now	now	ADV
cblr-9988	577	8	a	a	DET
cblr-9988	577	9	certified	certified	PROPN
cblr-9988	577	10	b	b	PROPN
cblr-9988	577	11	corp	corp	PROPN
cblr-9988	577	12	,	,	PUNCT
cblr-9988	577	13	cnote	cnote	NOUN
cblr-9988	577	14	(	(	PUNCT
cblr-9988	577	15	feb	feb	PROPN
cblr-9988	577	16	.	.	PROPN
cblr-9988	577	17	13	13	NUM
cblr-9988	577	18	,	,	PUNCT
cblr-9988	577	19	2019	2019	NUM
cblr-9988	577	20	)	)	PUNCT
cblr-9988	577	21	,	,	PUNCT
cblr-9988	577	22	https://www.mycnote.com/blog/cnote-is-now-a-certified-bcorp/	https://www.mycnote.com/blog/cnote-is-now-a-certified-bcorp/	X
cblr-9988	578	1	[	[	X
cblr-9988	578	2	https://perma.cc/z9mj-p6m5	https://perma.cc/z9mj-p6m5	NOUN
cblr-9988	578	3	]	]	X
cblr-9988	578	4	.	.	PUNCT
cblr-9988	579	1	658	658	NUM
cblr-9988	579	2	columbia	columbia	PROPN
cblr-9988	579	3	business	business	NOUN
cblr-9988	579	4	law	law	PROPN
cblr-9988	579	5	review	review	NOUN
cblr-9988	579	6	[	[	X
cblr-9988	579	7	vol	vol	NOUN
cblr-9988	579	8	.	.	PUNCT
cblr-9988	579	9	2022	2022	NUM
cblr-9988	579	10	1	1	NUM
cblr-9988	579	11	.	.	PUNCT
cblr-9988	580	1	the	the	DET
cblr-9988	580	2	effectiveness	effectiveness	NOUN
cblr-9988	580	3	of	of	ADP
cblr-9988	580	4	cdfis	cdfis	NOUN
cblr-9988	580	5	in	in	ADP
cblr-9988	580	6	increasing	increase	VERB
cblr-9988	580	7	access	access	NOUN
cblr-9988	580	8	to	to	ADP
cblr-9988	580	9	credit	credit	NOUN
cblr-9988	580	10	can	can	AUX
cblr-9988	580	11	be	be	AUX
cblr-9988	580	12	attributed	attribute	VERB
cblr-9988	580	13	to	to	ADP
cblr-9988	580	14	the	the	DET
cblr-9988	580	15	certification	certification	NOUN
cblr-9988	580	16	process	process	NOUN
cblr-9988	580	17	and	and	CCONJ
cblr-9988	580	18	subsidy	subsidy	NOUN
cblr-9988	580	19	lock	lock	NOUN
cblr-9988	580	20	mechanism	mechanism	NOUN
cblr-9988	580	21	professor	professor	NOUN
cblr-9988	580	22	ofer	ofer	VERB
cblr-9988	580	23	eldar	eldar	NOUN
cblr-9988	580	24	has	have	AUX
cblr-9988	580	25	discussed	discuss	VERB
cblr-9988	580	26	the	the	DET
cblr-9988	580	27	success	success	NOUN
cblr-9988	580	28	of	of	ADP
cblr-9988	580	29	cdfis	cdfis	NOUN
cblr-9988	580	30	as	as	ADP
cblr-9988	580	31	a	a	DET
cblr-9988	580	32	corporate	corporate	ADJ
cblr-9988	580	33	subsidy	subsidy	NOUN
cblr-9988	580	34	program	program	NOUN
cblr-9988	580	35	that	that	PRON
cblr-9988	580	36	increases	increase	VERB
cblr-9988	580	37	access	access	NOUN
cblr-9988	580	38	to	to	ADP
cblr-9988	580	39	capital	capital	NOUN
cblr-9988	580	40	for	for	ADP
cblr-9988	580	41	low	low	ADJ
cblr-9988	580	42	-	-	PUNCT
cblr-9988	580	43	income	income	NOUN
cblr-9988	580	44	communities	community	NOUN
cblr-9988	580	45	,	,	PUNCT
cblr-9988	580	46	specifically	specifically	ADV
cblr-9988	580	47	highlighting	highlight	VERB
cblr-9988	580	48	two	two	NUM
cblr-9988	580	49	features	feature	NOUN
cblr-9988	580	50	:	:	PUNCT
cblr-9988	580	51	the	the	DET
cblr-9988	580	52	certification	certification	NOUN
cblr-9988	580	53	process	process	NOUN
cblr-9988	580	54	and	and	CCONJ
cblr-9988	580	55	the	the	DET
cblr-9988	580	56	subsidy	subsidy	NOUN
cblr-9988	580	57	lock.187	lock.187	NOUN
cblr-9988	580	58	the	the	DET
cblr-9988	580	59	certification	certification	NOUN
cblr-9988	580	60	process	process	NOUN
cblr-9988	580	61	ensures	ensure	VERB
cblr-9988	580	62	that	that	SCONJ
cblr-9988	580	63	financial	financial	ADJ
cblr-9988	580	64	institutions	institution	NOUN
cblr-9988	580	65	with	with	ADP
cblr-9988	580	66	cdfi	cdfi	PROPN
cblr-9988	580	67	certification	certification	NOUN
cblr-9988	580	68	transact	transact	NOUN
cblr-9988	580	69	with	with	ADP
cblr-9988	580	70	low	low	ADJ
cblr-9988	580	71	-	-	PUNCT
cblr-9988	580	72	income	income	NOUN
cblr-9988	580	73	communities	community	NOUN
cblr-9988	580	74	and	and	CCONJ
cblr-9988	580	75	direct	direct	VERB
cblr-9988	580	76	their	their	PRON
cblr-9988	580	77	activities	activity	NOUN
cblr-9988	580	78	towards	towards	ADP
cblr-9988	580	79	serving	serve	VERB
cblr-9988	580	80	those	those	DET
cblr-9988	580	81	communities188	communities188	PROPN
cblr-9988	580	82	and	and	CCONJ
cblr-9988	580	83	certification	certification	NOUN
cblr-9988	580	84	signals	signal	VERB
cblr-9988	580	85	the	the	DET
cblr-9988	580	86	social	social	ADJ
cblr-9988	580	87	purpose	purpose	NOUN
cblr-9988	580	88	of	of	ADP
cblr-9988	580	89	the	the	DET
cblr-9988	580	90	organization	organization	NOUN
cblr-9988	580	91	to	to	PART
cblr-9988	580	92	socially	socially	ADV
cblr-9988	580	93	conscious	conscious	VERB
cblr-9988	580	94	investors.189	investors.189	NOUN
cblr-9988	580	95	the	the	DET
cblr-9988	580	96	subsidy	subsidy	NOUN
cblr-9988	580	97	lock	lock	NOUN
cblr-9988	580	98	ensures	ensure	VERB
cblr-9988	580	99	that	that	PRON
cblr-9988	580	100	cdfis	cdfis	AUX
cblr-9988	580	101	use	use	NOUN
cblr-9988	580	102	government	government	NOUN
cblr-9988	580	103	awards	award	NOUN
cblr-9988	580	104	for	for	ADP
cblr-9988	580	105	eligible	eligible	ADJ
cblr-9988	580	106	activities	activity	NOUN
cblr-9988	580	107	only	only	ADV
cblr-9988	580	108	.	.	PUNCT
cblr-9988	581	1	to	to	PART
cblr-9988	581	2	receive	receive	VERB
cblr-9988	581	3	an	an	DET
cblr-9988	581	4	award	award	NOUN
cblr-9988	581	5	,	,	PUNCT
cblr-9988	581	6	cdfis	cdfis	ADJ
cblr-9988	581	7	must	must	AUX
cblr-9988	581	8	enter	enter	VERB
cblr-9988	581	9	an	an	DET
cblr-9988	581	10	“	"	PUNCT
cblr-9988	581	11	assistance	assistance	NOUN
cblr-9988	581	12	agreement	agreement	NOUN
cblr-9988	581	13	”	"	PUNCT
cblr-9988	581	14	with	with	ADP
cblr-9988	581	15	the	the	DET
cblr-9988	581	16	cdfi	cdfi	PROPN
cblr-9988	581	17	fund	fund	NOUN
cblr-9988	581	18	and	and	CCONJ
cblr-9988	581	19	are	be	AUX
cblr-9988	581	20	subject	subject	ADJ
cblr-9988	581	21	to	to	ADP
cblr-9988	581	22	continued	continue	VERB
cblr-9988	581	23	monitoring.190	monitoring.190	NOUN
cblr-9988	581	24	these	these	DET
cblr-9988	581	25	two	two	NUM
cblr-9988	581	26	elements	element	NOUN
cblr-9988	581	27	of	of	ADP
cblr-9988	581	28	the	the	DET
cblr-9988	581	29	cdfi	cdfi	PROPN
cblr-9988	581	30	program	program	NOUN
cblr-9988	581	31	,	,	PUNCT
cblr-9988	581	32	certification	certification	NOUN
cblr-9988	581	33	and	and	CCONJ
cblr-9988	581	34	the	the	DET
cblr-9988	581	35	subsidy	subsidy	NOUN
cblr-9988	581	36	lock	lock	NOUN
cblr-9988	581	37	,	,	PUNCT
cblr-9988	581	38	provide	provide	VERB
cblr-9988	581	39	the	the	DET
cblr-9988	581	40	basis	basis	NOUN
cblr-9988	581	41	for	for	ADP
cblr-9988	581	42	a	a	DET
cblr-9988	581	43	proposed	propose	VERB
cblr-9988	581	44	cdfi	cdfi	ADJ
cblr-9988	581	45	-	-	PUNCT
cblr-9988	581	46	like	like	ADJ
cblr-9988	581	47	system	system	NOUN
cblr-9988	581	48	that	that	PRON
cblr-9988	581	49	will	will	AUX
cblr-9988	581	50	be	be	AUX
cblr-9988	581	51	outlined	outline	VERB
cblr-9988	581	52	in	in	ADP
cblr-9988	581	53	the	the	DET
cblr-9988	581	54	next	next	ADJ
cblr-9988	581	55	two	two	NUM
cblr-9988	581	56	sections	section	NOUN
cblr-9988	581	57	.	.	PUNCT
cblr-9988	582	1	2	2	X
cblr-9988	582	2	.	.	X
cblr-9988	582	3	a	a	DET
cblr-9988	582	4	modified	modify	VERB
cblr-9988	582	5	cdfi	cdfi	ADJ
cblr-9988	582	6	certification	certification	NOUN
cblr-9988	582	7	process	process	NOUN
cblr-9988	582	8	that	that	PRON
cblr-9988	582	9	targets	target	VERB
cblr-9988	582	10	low	low	ADJ
cblr-9988	582	11	-	-	PUNCT
cblr-9988	582	12	income	income	NOUN
cblr-9988	582	13	communities	community	NOUN
cblr-9988	582	14	and	and	CCONJ
cblr-9988	582	15	certain	certain	ADJ
cblr-9988	582	16	small	small	ADJ
cblr-9988	582	17	businesses	business	NOUN
cblr-9988	582	18	requirements	requirement	NOUN
cblr-9988	582	19	for	for	ADP
cblr-9988	582	20	cdfi	cdfi	PROPN
cblr-9988	582	21	certification	certification	NOUN
cblr-9988	582	22	are	be	AUX
cblr-9988	582	23	strict	strict	ADJ
cblr-9988	582	24	.	.	PUNCT
cblr-9988	583	1	particularly	particularly	ADV
cblr-9988	583	2	challenging	challenging	ADJ
cblr-9988	583	3	to	to	ADP
cblr-9988	583	4	online	online	ADJ
cblr-9988	583	5	lenders	lender	NOUN
cblr-9988	583	6	are	be	AUX
cblr-9988	583	7	the	the	DET
cblr-9988	583	8	requirements	requirement	NOUN
cblr-9988	583	9	that	that	SCONJ
cblr-9988	583	10	an	an	DET
cblr-9988	583	11	institution	institution	NOUN
cblr-9988	583	12	must	must	AUX
cblr-9988	583	13	have	have	AUX
cblr-9988	583	14	“	"	PUNCT
cblr-9988	583	15	a	a	DET
cblr-9988	583	16	primary	primary	ADJ
cblr-9988	583	17	mission	mission	NOUN
cblr-9988	583	18	of	of	ADP
cblr-9988	583	19	promoting	promote	VERB
cblr-9988	583	20	community	community	NOUN
cblr-9988	583	21	development	development	NOUN
cblr-9988	583	22	,	,	PUNCT
cblr-9988	583	23	”	"	PUNCT
cblr-9988	583	24	serve	serve	VERB
cblr-9988	583	25	a	a	DET
cblr-9988	583	26	targeted	target	VERB
cblr-9988	583	27	community	community	NOUN
cblr-9988	583	28	,	,	PUNCT
cblr-9988	583	29	provide	provide	VERB
cblr-9988	583	30	technical	technical	ADJ
cblr-9988	583	31	assistance	assistance	NOUN
cblr-9988	583	32	,	,	PUNCT
cblr-9988	583	33	and	and	CCONJ
cblr-9988	583	34	be	be	AUX
cblr-9988	583	35	held	hold	VERB
cblr-9988	583	36	accountable	accountable	ADJ
cblr-9988	583	37	to	to	ADP
cblr-9988	583	38	the	the	DET
cblr-9988	583	39	communities	community	NOUN
cblr-9988	583	40	they	they	PRON
cblr-9988	583	41	serve.191	serve.191	VERB
cblr-9988	583	42	these	these	DET
cblr-9988	583	43	requirements	requirement	NOUN
cblr-9988	583	44	ensure	ensure	VERB
cblr-9988	583	45	that	that	PRON
cblr-9988	583	46	cdfis	cdfis	NOUN
cblr-9988	583	47	are	be	AUX
cblr-9988	583	48	effective	effective	ADJ
cblr-9988	583	49	tools	tool	NOUN
cblr-9988	583	50	for	for	ADP
cblr-9988	583	51	community	community	NOUN
cblr-9988	583	52	empowerment	empowerment	NOUN
cblr-9988	583	53	.	.	PUNCT
cblr-9988	584	1	most	most	ADJ
cblr-9988	584	2	fintech	fintech	NOUN
cblr-9988	584	3	lenders	lender	NOUN
cblr-9988	584	4	,	,	PUNCT
cblr-9988	584	5	with	with	ADP
cblr-9988	584	6	a	a	DET
cblr-9988	584	7	few	few	ADJ
cblr-9988	584	8	187	187	NUM
cblr-9988	584	9	ofer	ofer	NOUN
cblr-9988	584	10	eldar	eldar	PROPN
cblr-9988	584	11	,	,	PUNCT
cblr-9988	584	12	supra	supra	PROPN
cblr-9988	584	13	note	note	NOUN
cblr-9988	584	14	54	54	NUM
cblr-9988	584	15	,	,	PUNCT
cblr-9988	584	16	at	at	ADP
cblr-9988	584	17	980–81	980–81	NUM
cblr-9988	584	18	.	.	PUNCT
cblr-9988	585	1	188	188	NUM
cblr-9988	585	2	i	i	PRON
cblr-9988	585	3	d.	d.	PROPN
cblr-9988	585	4	at	at	ADP
cblr-9988	585	5	980	980	NUM
cblr-9988	585	6	.	.	NUM
cblr-9988	585	7	189	189	NUM
cblr-9988	586	1	i	i	PRON
cblr-9988	586	2	d.	d.	PROPN
cblr-9988	586	3	at	at	ADP
cblr-9988	586	4	984–85	984–85	NUM
cblr-9988	586	5	.	.	PUNCT
cblr-9988	587	1	190	190	NUM
cblr-9988	588	1	i	i	PRON
cblr-9988	588	2	d.	d.	PROPN
cblr-9988	588	3	at	at	ADP
cblr-9988	588	4	981	981	NUM
cblr-9988	588	5	.	.	PUNCT
cblr-9988	588	6	191	191	NUM
cblr-9988	588	7	12	12	NUM
cblr-9988	588	8	c.f.r	c.f.r	NOUN
cblr-9988	588	9	.	.	PUNCT
cblr-9988	589	1	§	§	PROPN
cblr-9988	589	2	1805.201	1805.201	NUM
cblr-9988	589	3	(	(	PUNCT
cblr-9988	589	4	2021	2021	NUM
cblr-9988	589	5	)	)	PUNCT
cblr-9988	589	6	.	.	PUNCT
cblr-9988	590	1	no	no	INTJ
cblr-9988	590	2	.	.	PUNCT
cblr-9988	591	1	1:621	1:621	NUM
cblr-9988	591	2	]	]	X
cblr-9988	591	3	expand	expand	VERB
cblr-9988	591	4	online	online	ADJ
cblr-9988	591	5	lending	lending	NOUN
cblr-9988	591	6	to	to	ADP
cblr-9988	591	7	minority	minority	NOUN
cblr-9988	591	8	business	business	NOUN
cblr-9988	591	9	owners	owner	NOUN
cblr-9988	591	10	659	659	NUM
cblr-9988	591	11	exceptions,192	exceptions,192	NOUN
cblr-9988	591	12	were	be	AUX
cblr-9988	591	13	not	not	PART
cblr-9988	591	14	founded	found	VERB
cblr-9988	591	15	with	with	ADP
cblr-9988	591	16	the	the	DET
cblr-9988	591	17	primary	primary	ADJ
cblr-9988	591	18	goal	goal	NOUN
cblr-9988	591	19	of	of	ADP
cblr-9988	591	20	promoting	promote	VERB
cblr-9988	591	21	community	community	NOUN
cblr-9988	591	22	development	development	NOUN
cblr-9988	591	23	.	.	PUNCT
cblr-9988	592	1	nevertheless	nevertheless	ADV
cblr-9988	592	2	,	,	PUNCT
cblr-9988	592	3	by	by	ADP
cblr-9988	592	4	using	use	VERB
cblr-9988	592	5	predictive	predictive	ADJ
cblr-9988	592	6	analytics	analytic	NOUN
cblr-9988	592	7	to	to	PART
cblr-9988	592	8	underwrite	underwrite	VERB
cblr-9988	592	9	loans	loan	NOUN
cblr-9988	592	10	,	,	PUNCT
cblr-9988	592	11	online	online	ADJ
cblr-9988	592	12	lenders	lender	NOUN
cblr-9988	592	13	have	have	VERB
cblr-9988	592	14	the	the	DET
cblr-9988	592	15	potential	potential	NOUN
cblr-9988	592	16	to	to	PART
cblr-9988	592	17	greatly	greatly	ADV
cblr-9988	592	18	increase	increase	VERB
cblr-9988	592	19	access	access	NOUN
cblr-9988	592	20	to	to	ADP
cblr-9988	592	21	credit	credit	NOUN
cblr-9988	592	22	,	,	PUNCT
cblr-9988	592	23	especially	especially	ADV
cblr-9988	592	24	for	for	ADP
cblr-9988	592	25	minority	minority	NOUN
cblr-9988	592	26	business	business	NOUN
cblr-9988	592	27	owners	owner	NOUN
cblr-9988	592	28	who	who	PRON
cblr-9988	592	29	have	have	VERB
cblr-9988	592	30	limited	limit	VERB
cblr-9988	592	31	credit	credit	NOUN
cblr-9988	592	32	data	datum	NOUN
cblr-9988	592	33	.	.	PUNCT
cblr-9988	593	1	with	with	ADP
cblr-9988	593	2	a	a	DET
cblr-9988	593	3	cdfi	cdfi	VERB
cblr-9988	593	4	-	-	PUNCT
cblr-9988	593	5	like	like	ADJ
cblr-9988	593	6	certification	certification	NOUN
cblr-9988	593	7	program	program	NOUN
cblr-9988	593	8	,	,	PUNCT
cblr-9988	593	9	the	the	DET
cblr-9988	593	10	oversight	oversight	NOUN
cblr-9988	593	11	body	body	NOUN
cblr-9988	593	12	can	can	AUX
cblr-9988	593	13	recognize	recognize	VERB
cblr-9988	593	14	online	online	ADJ
cblr-9988	593	15	lenders	lender	NOUN
cblr-9988	593	16	who	who	PRON
cblr-9988	593	17	lend	lend	VERB
cblr-9988	593	18	substantially	substantially	ADV
cblr-9988	593	19	to	to	ADP
cblr-9988	593	20	those	those	PRON
cblr-9988	593	21	in	in	ADP
cblr-9988	593	22	populations	population	NOUN
cblr-9988	593	23	targeted	target	VERB
cblr-9988	593	24	by	by	ADP
cblr-9988	593	25	cdfis	cdfis	NOUN
cblr-9988	593	26	,	,	PUNCT
cblr-9988	593	27	by	by	ADP
cblr-9988	593	28	giving	give	VERB
cblr-9988	593	29	such	such	ADJ
cblr-9988	593	30	lenders	lender	NOUN
cblr-9988	593	31	a	a	DET
cblr-9988	593	32	“	"	PUNCT
cblr-9988	593	33	community	community	NOUN
cblr-9988	593	34	investment	investment	NOUN
cblr-9988	593	35	certification	certification	NOUN
cblr-9988	593	36	.	.	PUNCT
cblr-9988	593	37	”	"	PUNCT
cblr-9988	594	1	a	a	DET
cblr-9988	594	2	“	"	PUNCT
cblr-9988	594	3	community	community	NOUN
cblr-9988	594	4	investment	investment	NOUN
cblr-9988	594	5	certification	certification	NOUN
cblr-9988	594	6	”	"	PUNCT
cblr-9988	594	7	will	will	AUX
cblr-9988	594	8	require	require	VERB
cblr-9988	594	9	online	online	ADJ
cblr-9988	594	10	lenders	lender	NOUN
cblr-9988	594	11	to	to	PART
cblr-9988	594	12	serve	serve	VERB
cblr-9988	594	13	a	a	DET
cblr-9988	594	14	substantial	substantial	ADJ
cblr-9988	594	15	part	part	NOUN
cblr-9988	594	16	of	of	ADP
cblr-9988	594	17	a	a	DET
cblr-9988	594	18	targeted	target	VERB
cblr-9988	594	19	community	community	NOUN
cblr-9988	594	20	.	.	PUNCT
cblr-9988	595	1	under	under	ADP
cblr-9988	595	2	the	the	DET
cblr-9988	595	3	cdfi	cdfi	PROPN
cblr-9988	595	4	program	program	NOUN
cblr-9988	595	5	,	,	PUNCT
cblr-9988	595	6	to	to	PART
cblr-9988	595	7	receive	receive	VERB
cblr-9988	595	8	cdfi	cdfi	PROPN
cblr-9988	595	9	certification	certification	NOUN
cblr-9988	595	10	an	an	DET
cblr-9988	595	11	entity	entity	NOUN
cblr-9988	595	12	must	must	AUX
cblr-9988	595	13	serve	serve	VERB
cblr-9988	595	14	either	either	CCONJ
cblr-9988	595	15	an	an	DET
cblr-9988	595	16	“	"	PUNCT
cblr-9988	595	17	investment	investment	NOUN
cblr-9988	595	18	area	area	NOUN
cblr-9988	595	19	,	,	PUNCT
cblr-9988	595	20	”	"	PUNCT
cblr-9988	595	21	typically	typically	ADV
cblr-9988	595	22	an	an	DET
cblr-9988	595	23	area	area	NOUN
cblr-9988	595	24	in	in	ADP
cblr-9988	595	25	economic	economic	ADJ
cblr-9988	595	26	distress	distress	NOUN
cblr-9988	595	27	with	with	ADP
cblr-9988	595	28	a	a	DET
cblr-9988	595	29	significant	significant	ADJ
cblr-9988	595	30	unmet	unmet	NOUN
cblr-9988	595	31	need	need	NOUN
cblr-9988	595	32	for	for	ADP
cblr-9988	595	33	loans193	loans193	PROPN
cblr-9988	595	34	or	or	CCONJ
cblr-9988	595	35	a	a	DET
cblr-9988	595	36	“	"	PUNCT
cblr-9988	595	37	targeted	target	VERB
cblr-9988	595	38	population	population	NOUN
cblr-9988	595	39	”	"	PUNCT
cblr-9988	595	40	of	of	ADP
cblr-9988	595	41	those	those	PRON
cblr-9988	595	42	who	who	PRON
cblr-9988	595	43	are	be	AUX
cblr-9988	595	44	low	low	ADJ
cblr-9988	595	45	-	-	PUNCT
cblr-9988	595	46	income.194	income.194	NOUN
cblr-9988	595	47	under	under	ADP
cblr-9988	595	48	this	this	DET
cblr-9988	595	49	proposed	propose	VERB
cblr-9988	595	50	program	program	NOUN
cblr-9988	595	51	,	,	PUNCT
cblr-9988	595	52	online	online	ADJ
cblr-9988	595	53	lenders	lender	NOUN
cblr-9988	595	54	can	can	AUX
cblr-9988	595	55	achieve	achieve	VERB
cblr-9988	595	56	“	"	PUNCT
cblr-9988	595	57	community	community	NOUN
cblr-9988	595	58	investment	investment	NOUN
cblr-9988	595	59	certification	certification	NOUN
cblr-9988	595	60	”	"	PUNCT
cblr-9988	595	61	by	by	ADP
cblr-9988	595	62	establishing	establish	VERB
cblr-9988	595	63	a	a	DET
cblr-9988	595	64	presence	presence	NOUN
cblr-9988	595	65	in	in	ADP
cblr-9988	595	66	a	a	DET
cblr-9988	595	67	cdfi	cdfi	VERB
cblr-9988	595	68	“	"	PUNCT
cblr-9988	595	69	investment	investment	NOUN
cblr-9988	595	70	area	area	NOUN
cblr-9988	595	71	”	"	PUNCT
cblr-9988	595	72	and	and	CCONJ
cblr-9988	595	73	providing	provide	VERB
cblr-9988	595	74	a	a	DET
cblr-9988	595	75	substantial	substantial	ADJ
cblr-9988	595	76	number	number	NOUN
cblr-9988	595	77	of	of	ADP
cblr-9988	595	78	loans	loan	NOUN
cblr-9988	595	79	to	to	PART
cblr-9988	595	80	meaningfully	meaningfully	ADV
cblr-9988	595	81	address	address	VERB
cblr-9988	595	82	the	the	DET
cblr-9988	595	83	unmet	unmet	NOUN
cblr-9988	595	84	need	need	NOUN
cblr-9988	595	85	for	for	ADP
cblr-9988	595	86	loans	loan	NOUN
cblr-9988	595	87	.	.	PUNCT
cblr-9988	596	1	certification	certification	NOUN
cblr-9988	596	2	can	can	AUX
cblr-9988	596	3	require	require	VERB
cblr-9988	596	4	that	that	SCONJ
cblr-9988	596	5	a	a	DET
cblr-9988	596	6	certain	certain	ADJ
cblr-9988	596	7	percentage	percentage	NOUN
cblr-9988	596	8	of	of	ADP
cblr-9988	596	9	those	those	DET
cblr-9988	596	10	loans	loan	NOUN
cblr-9988	596	11	go	go	VERB
cblr-9988	596	12	to	to	ADP
cblr-9988	596	13	individuals	individual	NOUN
cblr-9988	596	14	below	below	ADP
cblr-9988	596	15	a	a	DET
cblr-9988	596	16	certain	certain	ADJ
cblr-9988	596	17	income	income	NOUN
cblr-9988	596	18	level	level	NOUN
cblr-9988	596	19	,	,	PUNCT
cblr-9988	596	20	or	or	CCONJ
cblr-9988	596	21	that	that	SCONJ
cblr-9988	596	22	certain	certain	ADJ
cblr-9988	596	23	types	type	NOUN
cblr-9988	596	24	of	of	ADP
cblr-9988	596	25	small	small	ADJ
cblr-9988	596	26	businesses	business	NOUN
cblr-9988	596	27	are	be	AUX
cblr-9988	596	28	served	serve	VERB
cblr-9988	596	29	.	.	PUNCT
cblr-9988	597	1	for	for	ADP
cblr-9988	597	2	instance	instance	NOUN
cblr-9988	597	3	,	,	PUNCT
cblr-9988	597	4	sole	sole	ADJ
cblr-9988	597	5	proprietors	proprietor	NOUN
cblr-9988	597	6	,	,	PUNCT
cblr-9988	597	7	who	who	PRON
cblr-9988	597	8	often	often	ADV
cblr-9988	597	9	provide	provide	VERB
cblr-9988	597	10	important	important	ADJ
cblr-9988	597	11	services	service	NOUN
cblr-9988	597	12	to	to	ADP
cblr-9988	597	13	the	the	DET
cblr-9988	597	14	community	community	NOUN
cblr-9988	597	15	,	,	PUNCT
cblr-9988	597	16	may	may	AUX
cblr-9988	597	17	experience	experience	VERB
cblr-9988	597	18	unique	unique	ADJ
cblr-9988	597	19	difficulties	difficulty	NOUN
cblr-9988	597	20	obtaining	obtain	VERB
cblr-9988	597	21	loans	loan	NOUN
cblr-9988	597	22	during	during	ADP
cblr-9988	597	23	economic	economic	ADJ
cblr-9988	597	24	downturns	downturn	NOUN
cblr-9988	597	25	.	.	PUNCT
cblr-9988	598	1	unprofitable	unprofitable	ADJ
cblr-9988	598	2	sole	sole	ADJ
cblr-9988	598	3	proprietors	proprietor	NOUN
cblr-9988	598	4	were	be	AUX
cblr-9988	598	5	initially	initially	ADV
cblr-9988	598	6	ineligible	ineligible	ADJ
cblr-9988	598	7	for	for	ADP
cblr-9988	598	8	ppp	ppp	PROPN
cblr-9988	598	9	funding	funding	NOUN
cblr-9988	598	10	,	,	PUNCT
cblr-9988	598	11	leaving	leave	VERB
cblr-9988	598	12	many	many	ADJ
cblr-9988	598	13	“	"	PUNCT
cblr-9988	598	14	barbers	barber	NOUN
cblr-9988	598	15	,	,	PUNCT
cblr-9988	598	16	stylists	stylist	NOUN
cblr-9988	598	17	,	,	PUNCT
cblr-9988	598	18	drivers	driver	NOUN
cblr-9988	598	19	.	.	PUNCT
cblr-9988	598	20	.	.	PUNCT
cblr-9988	598	21	.	.	PUNCT
cblr-9988	599	1	really	really	ADV
cblr-9988	599	2	small	small	ADJ
cblr-9988	599	3	mom	mom	NOUN
cblr-9988	599	4	-	-	PUNCT
cblr-9988	599	5	and	and	CCONJ
cblr-9988	599	6	-	-	PUNCT
cblr-9988	599	7	pop	pop	NOUN
cblr-9988	599	8	businesses	business	NOUN
cblr-9988	599	9	”	"	PUNCT
cblr-9988	599	10	outside	outside	ADP
cblr-9988	599	11	the	the	DET
cblr-9988	599	12	reach	reach	NOUN
cblr-9988	599	13	of	of	ADP
cblr-9988	599	14	ppp.195	ppp.195	NOUN
cblr-9988	599	15	furthermore	furthermore	ADV
cblr-9988	599	16	,	,	PUNCT
cblr-9988	599	17	some	some	DET
cblr-9988	599	18	192	192	NUM
cblr-9988	599	19	see	see	VERB
cblr-9988	599	20	supra	supra	PROPN
cblr-9988	599	21	section	section	NOUN
cblr-9988	599	22	iv.c	iv.c	VERB
cblr-9988	599	23	.	.	PUNCT
cblr-9988	600	1	193	193	NUM
cblr-9988	600	2	12	12	NUM
cblr-9988	600	3	c.f.r	c.f.r	NOUN
cblr-9988	600	4	.	.	PUNCT
cblr-9988	601	1	§	§	PROPN
cblr-9988	601	2	1805.201	1805.201	NUM
cblr-9988	601	3	.	.	PUNCT
cblr-9988	601	4	unemployment	unemployment	NOUN
cblr-9988	601	5	rate	rate	NOUN
cblr-9988	601	6	,	,	PUNCT
cblr-9988	601	7	percentage	percentage	NOUN
cblr-9988	601	8	of	of	ADP
cblr-9988	601	9	the	the	DET
cblr-9988	601	10	population	population	NOUN
cblr-9988	601	11	living	live	VERB
cblr-9988	601	12	in	in	ADP
cblr-9988	601	13	poverty	poverty	NOUN
cblr-9988	601	14	,	,	PUNCT
cblr-9988	601	15	and	and	CCONJ
cblr-9988	601	16	median	median	ADJ
cblr-9988	601	17	family	family	NOUN
cblr-9988	601	18	income	income	NOUN
cblr-9988	601	19	can	can	AUX
cblr-9988	601	20	be	be	AUX
cblr-9988	601	21	used	use	VERB
cblr-9988	601	22	to	to	PART
cblr-9988	601	23	assess	assess	VERB
cblr-9988	601	24	economic	economic	ADJ
cblr-9988	601	25	distress	distress	NOUN
cblr-9988	601	26	.	.	PUNCT
cblr-9988	602	1	i	i	PRON
cblr-9988	602	2	d.	d.	PROPN
cblr-9988	602	3	194	194	NUM
cblr-9988	603	1	i	i	PRON
cblr-9988	603	2	d.	d.	PROPN
cblr-9988	603	3	195	195	NUM
cblr-9988	603	4	stacy	stacy	PROPN
cblr-9988	603	5	cowley	cowley	PROPN
cblr-9988	603	6	,	,	PUNCT
cblr-9988	603	7	‘	'	PUNCT
cblr-9988	603	8	it	it	PRON
cblr-9988	603	9	was	be	AUX
cblr-9988	603	10	a	a	DET
cblr-9988	603	11	joke	joke	NOUN
cblr-9988	603	12	’	'	PUNCT
cblr-9988	603	13	:	:	PUNCT
cblr-9988	603	14	some	some	DET
cblr-9988	603	15	small	small	ADJ
cblr-9988	603	16	businesses	business	NOUN
cblr-9988	603	17	got	get	VERB
cblr-9988	603	18	$	$	SYM
cblr-9988	603	19	1	1	NUM
cblr-9988	603	20	relief	relief	NOUN
cblr-9988	603	21	loans	loan	NOUN
cblr-9988	603	22	,	,	PUNCT
cblr-9988	603	23	n.y	n.y	PROPN
cblr-9988	603	24	.	.	PROPN
cblr-9988	603	25	times	times	PROPN
cblr-9988	603	26	(	(	PUNCT
cblr-9988	603	27	mar	mar	PROPN
cblr-9988	603	28	.	.	PROPN
cblr-9988	603	29	9	9	NUM
cblr-9988	603	30	,	,	PUNCT
cblr-9988	603	31	2021	2021	NUM
cblr-9988	603	32	)	)	PUNCT
cblr-9988	603	33	,	,	PUNCT
cblr-9988	603	34	https://www.nytimes.com/2021/01/11/business/small-businesses-pppcovid.html	https://www.nytimes.com/2021/01/11/business/small-businesses-pppcovid.html	PROPN
cblr-9988	604	1	[	[	X
cblr-9988	604	2	https://perma.cc/q65r-kkx2	https://perma.cc/q65r-kkx2	X
cblr-9988	604	3	]	]	X
cblr-9988	604	4	.	.	PUNCT
cblr-9988	605	1	660	660	NUM
cblr-9988	605	2	columbia	columbia	PROPN
cblr-9988	605	3	business	business	NOUN
cblr-9988	605	4	law	law	PROPN
cblr-9988	605	5	review	review	NOUN
cblr-9988	605	6	[	[	X
cblr-9988	605	7	vol	vol	NOUN
cblr-9988	605	8	.	.	PUNCT
cblr-9988	605	9	2022	2022	NUM
cblr-9988	605	10	sole	sole	ADJ
cblr-9988	605	11	proprietors	proprietor	NOUN
cblr-9988	605	12	that	that	PRON
cblr-9988	605	13	were	be	AUX
cblr-9988	605	14	eligible	eligible	ADJ
cblr-9988	605	15	for	for	ADP
cblr-9988	605	16	funding	funding	NOUN
cblr-9988	605	17	received	receive	VERB
cblr-9988	605	18	very	very	ADV
cblr-9988	605	19	little	little	ADJ
cblr-9988	605	20	,	,	PUNCT
cblr-9988	605	21	which	which	PRON
cblr-9988	605	22	made	make	VERB
cblr-9988	605	23	the	the	DET
cblr-9988	605	24	loans	loan	NOUN
cblr-9988	605	25	unprofitable	unprofitable	ADJ
cblr-9988	605	26	for	for	SCONJ
cblr-9988	605	27	lenders	lender	NOUN
cblr-9988	605	28	to	to	PART
cblr-9988	605	29	administer.196	administer.196	VERB
cblr-9988	605	30	for	for	ADP
cblr-9988	605	31	example	example	NOUN
cblr-9988	605	32	,	,	PUNCT
cblr-9988	605	33	jpmorgan	jpmorgan	PROPN
cblr-9988	605	34	chase	chase	PROPN
cblr-9988	605	35	,	,	PUNCT
cblr-9988	605	36	the	the	DET
cblr-9988	605	37	largest	large	ADJ
cblr-9988	605	38	ppp	ppp	NOUN
cblr-9988	605	39	lender	lender	NOUN
cblr-9988	605	40	,	,	PUNCT
cblr-9988	605	41	set	set	VERB
cblr-9988	605	42	a	a	DET
cblr-9988	605	43	$	$	SYM
cblr-9988	605	44	1,000	1,000	NUM
cblr-9988	605	45	minimum	minimum	NOUN
cblr-9988	605	46	on	on	ADP
cblr-9988	605	47	its	its	PRON
cblr-9988	605	48	loans,197	loans,197	NOUN
cblr-9988	605	49	so	so	ADV
cblr-9988	605	50	even	even	ADV
cblr-9988	605	51	if	if	SCONJ
cblr-9988	605	52	these	these	DET
cblr-9988	605	53	small	small	ADJ
cblr-9988	605	54	businesses	business	NOUN
cblr-9988	605	55	had	have	VERB
cblr-9988	605	56	a	a	DET
cblr-9988	605	57	relationship	relationship	NOUN
cblr-9988	605	58	with	with	ADP
cblr-9988	605	59	jpmorgan	jpmorgan	PROPN
cblr-9988	605	60	chase	chase	PROPN
cblr-9988	605	61	,	,	PUNCT
cblr-9988	605	62	they	they	PRON
cblr-9988	605	63	would	would	AUX
cblr-9988	605	64	not	not	PART
cblr-9988	605	65	be	be	AUX
cblr-9988	605	66	able	able	ADJ
cblr-9988	605	67	to	to	PART
cblr-9988	605	68	receive	receive	VERB
cblr-9988	605	69	ppp	ppp	NOUN
cblr-9988	605	70	funding	funding	NOUN
cblr-9988	605	71	from	from	ADP
cblr-9988	605	72	the	the	DET
cblr-9988	605	73	bank	bank	NOUN
cblr-9988	605	74	.	.	PUNCT
cblr-9988	606	1	there	there	PRON
cblr-9988	606	2	is	be	VERB
cblr-9988	606	3	a	a	DET
cblr-9988	606	4	need	need	NOUN
cblr-9988	606	5	for	for	ADP
cblr-9988	606	6	lenders	lender	NOUN
cblr-9988	606	7	for	for	ADP
cblr-9988	606	8	small	small	ADJ
cblr-9988	606	9	businesses	business	NOUN
cblr-9988	606	10	and	and	CCONJ
cblr-9988	606	11	sole	sole	ADJ
cblr-9988	606	12	proprietors	proprietor	NOUN
cblr-9988	606	13	that	that	PRON
cblr-9988	606	14	provide	provide	VERB
cblr-9988	606	15	important	important	ADJ
cblr-9988	606	16	community	community	NOUN
cblr-9988	606	17	services	service	NOUN
cblr-9988	606	18	but	but	CCONJ
cblr-9988	606	19	face	face	VERB
cblr-9988	606	20	difficulties	difficulty	NOUN
cblr-9988	606	21	obtaining	obtain	VERB
cblr-9988	606	22	loans.198	loans.198	AUX
cblr-9988	606	23	incentivizing	incentivize	VERB
cblr-9988	606	24	online	online	ADJ
cblr-9988	606	25	lenders	lender	NOUN
cblr-9988	606	26	to	to	PART
cblr-9988	606	27	fill	fill	VERB
cblr-9988	606	28	this	this	DET
cblr-9988	606	29	gap	gap	NOUN
cblr-9988	606	30	,	,	PUNCT
cblr-9988	606	31	by	by	ADP
cblr-9988	606	32	providing	provide	VERB
cblr-9988	606	33	a	a	DET
cblr-9988	606	34	“	"	PUNCT
cblr-9988	606	35	community	community	NOUN
cblr-9988	606	36	investment	investment	NOUN
cblr-9988	606	37	certification	certification	NOUN
cblr-9988	606	38	”	"	PUNCT
cblr-9988	606	39	for	for	ADP
cblr-9988	606	40	lenders	lender	NOUN
cblr-9988	606	41	who	who	PRON
cblr-9988	606	42	provide	provide	VERB
cblr-9988	606	43	a	a	DET
cblr-9988	606	44	substantial	substantial	ADJ
cblr-9988	606	45	number	number	NOUN
cblr-9988	606	46	of	of	ADP
cblr-9988	606	47	businesses	business	NOUN
cblr-9988	606	48	in	in	ADP
cblr-9988	606	49	“	"	PUNCT
cblr-9988	606	50	investment	investment	NOUN
cblr-9988	606	51	areas	area	NOUN
cblr-9988	606	52	”	"	PUNCT
cblr-9988	606	53	most	most	ADJ
cblr-9988	606	54	in	in	ADP
cblr-9988	606	55	need	need	NOUN
cblr-9988	606	56	of	of	ADP
cblr-9988	606	57	this	this	DET
cblr-9988	606	58	funding	funding	NOUN
cblr-9988	606	59	,	,	PUNCT
cblr-9988	606	60	can	can	AUX
cblr-9988	606	61	help	help	VERB
cblr-9988	606	62	these	these	DET
cblr-9988	606	63	businesses	business	NOUN
cblr-9988	606	64	survive	survive	VERB
cblr-9988	606	65	a	a	DET
cblr-9988	606	66	recession	recession	NOUN
cblr-9988	606	67	.	.	PUNCT
cblr-9988	607	1	certification	certification	NOUN
cblr-9988	607	2	will	will	AUX
cblr-9988	607	3	open	open	VERB
cblr-9988	607	4	opportunities	opportunity	NOUN
cblr-9988	607	5	for	for	SCONJ
cblr-9988	607	6	online	online	ADJ
cblr-9988	607	7	lenders	lender	NOUN
cblr-9988	607	8	to	to	PART
cblr-9988	607	9	receive	receive	VERB
cblr-9988	607	10	additional	additional	ADJ
cblr-9988	607	11	funding	funding	NOUN
cblr-9988	607	12	from	from	ADP
cblr-9988	607	13	government	government	NOUN
cblr-9988	607	14	awards	award	NOUN
cblr-9988	607	15	or	or	CCONJ
cblr-9988	607	16	from	from	ADP
cblr-9988	607	17	private	private	ADJ
cblr-9988	607	18	investors	investor	NOUN
cblr-9988	607	19	who	who	PRON
cblr-9988	607	20	seek	seek	VERB
cblr-9988	607	21	to	to	PART
cblr-9988	607	22	support	support	VERB
cblr-9988	607	23	community	community	NOUN
cblr-9988	607	24	investment	investment	NOUN
cblr-9988	607	25	,	,	PUNCT
cblr-9988	607	26	while	while	SCONJ
cblr-9988	607	27	encouraging	encourage	VERB
cblr-9988	607	28	the	the	DET
cblr-9988	607	29	provision	provision	NOUN
cblr-9988	607	30	of	of	ADP
cblr-9988	607	31	loans	loan	NOUN
cblr-9988	607	32	to	to	ADP
cblr-9988	607	33	those	those	PRON
cblr-9988	607	34	most	most	ADV
cblr-9988	607	35	in	in	ADP
cblr-9988	607	36	need	need	NOUN
cblr-9988	607	37	,	,	PUNCT
cblr-9988	607	38	including	include	VERB
cblr-9988	607	39	small	small	ADJ
cblr-9988	607	40	business	business	NOUN
cblr-9988	607	41	owners	owner	NOUN
cblr-9988	607	42	and	and	CCONJ
cblr-9988	607	43	sole	sole	ADJ
cblr-9988	607	44	proprietors	proprietor	NOUN
cblr-9988	607	45	in	in	ADP
cblr-9988	607	46	minority	minority	NOUN
cblr-9988	607	47	and	and	CCONJ
cblr-9988	607	48	low	low	ADJ
cblr-9988	607	49	-	-	PUNCT
cblr-9988	607	50	income	income	NOUN
cblr-9988	607	51	communities	community	NOUN
cblr-9988	607	52	.	.	PUNCT
cblr-9988	608	1	certification	certification	NOUN
cblr-9988	608	2	can	can	AUX
cblr-9988	608	3	also	also	ADV
cblr-9988	608	4	be	be	AUX
cblr-9988	608	5	contingent	contingent	ADJ
cblr-9988	608	6	on	on	ADP
cblr-9988	608	7	submitting	submit	VERB
cblr-9988	608	8	a	a	DET
cblr-9988	608	9	business	business	NOUN
cblr-9988	608	10	plan	plan	NOUN
cblr-9988	608	11	that	that	PRON
cblr-9988	608	12	demonstrates	demonstrate	VERB
cblr-9988	608	13	that	that	SCONJ
cblr-9988	608	14	the	the	DET
cblr-9988	608	15	lender	lender	NOUN
cblr-9988	608	16	intends	intend	VERB
cblr-9988	608	17	to	to	PART
cblr-9988	608	18	maintain	maintain	VERB
cblr-9988	608	19	an	an	DET
cblr-9988	608	20	adequate	adequate	ADJ
cblr-9988	608	21	level	level	NOUN
cblr-9988	608	22	of	of	ADP
cblr-9988	608	23	capital	capital	NOUN
cblr-9988	608	24	to	to	PART
cblr-9988	608	25	ensure	ensure	VERB
cblr-9988	608	26	cash	cash	NOUN
cblr-9988	608	27	flow	flow	NOUN
cblr-9988	608	28	during	during	ADP
cblr-9988	608	29	an	an	DET
cblr-9988	608	30	economic	economic	ADJ
cblr-9988	608	31	downturn	downturn	NOUN
cblr-9988	608	32	,	,	PUNCT
cblr-9988	608	33	which	which	PRON
cblr-9988	608	34	ensures	ensure	VERB
cblr-9988	608	35	borrowers	borrower	NOUN
cblr-9988	608	36	have	have	VERB
cblr-9988	608	37	consistent	consistent	ADJ
cblr-9988	608	38	access	access	NOUN
cblr-9988	608	39	to	to	ADP
cblr-9988	608	40	credit	credit	NOUN
cblr-9988	608	41	.	.	PUNCT
cblr-9988	609	1	3	3	X
cblr-9988	609	2	.	.	X
cblr-9988	609	3	the	the	DET
cblr-9988	609	4	subsidy	subsidy	NOUN
cblr-9988	609	5	lock	lock	NOUN
cblr-9988	609	6	mechanism	mechanism	NOUN
cblr-9988	609	7	can	can	AUX
cblr-9988	609	8	be	be	AUX
cblr-9988	609	9	used	use	VERB
cblr-9988	609	10	to	to	PART
cblr-9988	609	11	require	require	VERB
cblr-9988	609	12	online	online	ADJ
cblr-9988	609	13	lenders	lender	NOUN
cblr-9988	609	14	to	to	PART
cblr-9988	609	15	maintain	maintain	VERB
cblr-9988	609	16	capital	capital	NOUN
cblr-9988	609	17	and	and	CCONJ
cblr-9988	609	18	liquidity	liquidity	NOUN
cblr-9988	609	19	requirements	requirement	NOUN
cblr-9988	609	20	in	in	ADP
cblr-9988	609	21	exchange	exchange	NOUN
cblr-9988	609	22	for	for	ADP
cblr-9988	609	23	federal	federal	ADJ
cblr-9988	609	24	grants	grant	NOUN
cblr-9988	610	1	online	online	ADJ
cblr-9988	610	2	lenders	lender	NOUN
cblr-9988	610	3	that	that	PRON
cblr-9988	610	4	lend	lend	VERB
cblr-9988	610	5	to	to	ADP
cblr-9988	610	6	small	small	ADJ
cblr-9988	610	7	businesses	business	NOUN
cblr-9988	610	8	are	be	AUX
cblr-9988	610	9	vulnerable	vulnerable	ADJ
cblr-9988	610	10	during	during	ADP
cblr-9988	610	11	an	an	DET
cblr-9988	610	12	economic	economic	ADJ
cblr-9988	610	13	downturn	downturn	NOUN
cblr-9988	610	14	because	because	SCONJ
cblr-9988	610	15	small	small	ADJ
cblr-9988	610	16	businesses	business	NOUN
cblr-9988	610	17	tend	tend	VERB
cblr-9988	610	18	to	to	PART
cblr-9988	610	19	face	face	VERB
cblr-9988	610	20	more	more	ADJ
cblr-9988	610	21	obstacles	obstacle	NOUN
cblr-9988	610	22	repaying	repay	VERB
cblr-9988	610	23	loans	loan	NOUN
cblr-9988	610	24	during	during	ADP
cblr-9988	610	25	196	196	NUM
cblr-9988	610	26	i	i	PROPN
cblr-9988	610	27	d.	d.	PROPN
cblr-9988	610	28	197	197	NUM
cblr-9988	611	1	i	i	PRON
cblr-9988	611	2	d.	d.	PROPN
cblr-9988	611	3	198	198	NUM
cblr-9988	611	4	see	see	VERB
cblr-9988	611	5	supra	supra	PROPN
cblr-9988	611	6	part	part	PROPN
cblr-9988	611	7	ii	ii	PROPN
cblr-9988	611	8	.	.	PUNCT
cblr-9988	612	1	no	no	INTJ
cblr-9988	612	2	.	.	PUNCT
cblr-9988	613	1	1:621	1:621	NUM
cblr-9988	613	2	]	]	X
cblr-9988	613	3	expand	expand	VERB
cblr-9988	613	4	online	online	ADJ
cblr-9988	613	5	lending	lending	NOUN
cblr-9988	613	6	to	to	ADP
cblr-9988	613	7	minority	minority	NOUN
cblr-9988	613	8	business	business	NOUN
cblr-9988	613	9	owners	owner	NOUN
cblr-9988	613	10	661	661	NUM
cblr-9988	613	11	an	an	DET
cblr-9988	613	12	economic	economic	ADJ
cblr-9988	613	13	downturn.199	downturn.199	NOUN
cblr-9988	613	14	online	online	ADJ
cblr-9988	613	15	lenders	lender	NOUN
cblr-9988	613	16	to	to	ADP
cblr-9988	613	17	minority	minority	NOUN
cblr-9988	613	18	business	business	NOUN
cblr-9988	613	19	owners	owner	NOUN
cblr-9988	613	20	can	can	AUX
cblr-9988	613	21	counterbalance	counterbalance	VERB
cblr-9988	613	22	some	some	PRON
cblr-9988	613	23	of	of	ADP
cblr-9988	613	24	these	these	DET
cblr-9988	613	25	economic	economic	ADJ
cblr-9988	613	26	pressures	pressure	NOUN
cblr-9988	613	27	by	by	ADP
cblr-9988	613	28	maintaining	maintain	VERB
cblr-9988	613	29	adequate	adequate	ADJ
cblr-9988	613	30	capital	capital	NOUN
cblr-9988	613	31	reserves	reserve	NOUN
cblr-9988	613	32	.	.	PUNCT
cblr-9988	614	1	once	once	ADV
cblr-9988	614	2	an	an	DET
cblr-9988	614	3	entity	entity	NOUN
cblr-9988	614	4	receives	receive	VERB
cblr-9988	614	5	cdfi	cdfi	PROPN
cblr-9988	614	6	certification	certification	NOUN
cblr-9988	614	7	,	,	PUNCT
cblr-9988	614	8	it	it	PRON
cblr-9988	614	9	is	be	AUX
cblr-9988	614	10	eligible	eligible	ADJ
cblr-9988	614	11	for	for	ADP
cblr-9988	614	12	both	both	CCONJ
cblr-9988	614	13	financial	financial	ADJ
cblr-9988	614	14	and	and	CCONJ
cblr-9988	614	15	technical	technical	ADJ
cblr-9988	614	16	assistance	assistance	NOUN
cblr-9988	614	17	.	.	PUNCT
cblr-9988	615	1	in	in	ADP
cblr-9988	615	2	2020	2020	NUM
cblr-9988	615	3	,	,	PUNCT
cblr-9988	615	4	the	the	DET
cblr-9988	615	5	cdfi	cdfi	PROPN
cblr-9988	615	6	program	program	NOUN
cblr-9988	615	7	awarded	award	VERB
cblr-9988	615	8	financial	financial	ADJ
cblr-9988	615	9	assistance	assistance	NOUN
cblr-9988	615	10	in	in	ADP
cblr-9988	615	11	amounts	amount	NOUN
cblr-9988	615	12	of	of	ADP
cblr-9988	615	13	up	up	ADP
cblr-9988	615	14	to	to	ADP
cblr-9988	615	15	one	one	NUM
cblr-9988	615	16	million	million	NUM
cblr-9988	615	17	dollars	dollar	NOUN
cblr-9988	615	18	,	,	PUNCT
cblr-9988	615	19	which	which	PRON
cblr-9988	615	20	were	be	AUX
cblr-9988	615	21	required	require	VERB
cblr-9988	615	22	to	to	PART
cblr-9988	615	23	be	be	AUX
cblr-9988	615	24	matched	match	VERB
cblr-9988	615	25	with	with	ADP
cblr-9988	615	26	funds	fund	NOUN
cblr-9988	615	27	from	from	ADP
cblr-9988	615	28	a	a	DET
cblr-9988	615	29	non	non	ADJ
cblr-9988	615	30	-	-	ADJ
cblr-9988	615	31	federal	federal	ADJ
cblr-9988	615	32	source.200	source.200	PROPN
cblr-9988	615	33	financial	financial	ADJ
cblr-9988	615	34	assistance	assistance	NOUN
cblr-9988	615	35	awards	award	NOUN
cblr-9988	615	36	granted	grant	VERB
cblr-9988	615	37	by	by	ADP
cblr-9988	615	38	the	the	DET
cblr-9988	615	39	cdfi	cdfi	PROPN
cblr-9988	615	40	program	program	NOUN
cblr-9988	615	41	can	can	AUX
cblr-9988	615	42	be	be	AUX
cblr-9988	615	43	used	use	VERB
cblr-9988	615	44	for	for	ADP
cblr-9988	615	45	lending	lending	NOUN
cblr-9988	615	46	capital	capital	NOUN
cblr-9988	615	47	,	,	PUNCT
cblr-9988	615	48	loan	loan	NOUN
cblr-9988	615	49	loss	loss	NOUN
cblr-9988	615	50	reserves	reserve	NOUN
cblr-9988	615	51	,	,	PUNCT
cblr-9988	615	52	capital	capital	NOUN
cblr-9988	615	53	reserves	reserve	NOUN
cblr-9988	615	54	,	,	PUNCT
cblr-9988	615	55	financial	financial	ADJ
cblr-9988	615	56	services	service	NOUN
cblr-9988	615	57	,	,	PUNCT
cblr-9988	615	58	and	and	CCONJ
cblr-9988	615	59	development	development	NOUN
cblr-9988	615	60	services.201	services.201	ADJ
cblr-9988	615	61	recipients	recipient	NOUN
cblr-9988	615	62	may	may	AUX
cblr-9988	615	63	only	only	ADV
cblr-9988	615	64	use	use	VERB
cblr-9988	615	65	federal	federal	ADJ
cblr-9988	615	66	funds	fund	NOUN
cblr-9988	615	67	and	and	CCONJ
cblr-9988	615	68	matching	match	VERB
cblr-9988	615	69	funds	fund	NOUN
cblr-9988	615	70	for	for	ADP
cblr-9988	615	71	eligible	eligible	ADJ
cblr-9988	615	72	activities	activity	NOUN
cblr-9988	615	73	pursuant	pursuant	ADJ
cblr-9988	615	74	to	to	ADP
cblr-9988	615	75	a	a	DET
cblr-9988	615	76	formal	formal	ADJ
cblr-9988	615	77	agreement	agreement	NOUN
cblr-9988	615	78	between	between	ADP
cblr-9988	615	79	the	the	DET
cblr-9988	615	80	cdfi	cdfi	PROPN
cblr-9988	615	81	and	and	CCONJ
cblr-9988	615	82	a	a	DET
cblr-9988	615	83	recipient.202	recipient.202	NOUN
cblr-9988	615	84	with	with	ADP
cblr-9988	615	85	respect	respect	NOUN
cblr-9988	615	86	to	to	ADP
cblr-9988	615	87	businesses	business	NOUN
cblr-9988	615	88	,	,	PUNCT
cblr-9988	615	89	eligible	eligible	ADJ
cblr-9988	615	90	activities	activity	NOUN
cblr-9988	615	91	include	include	VERB
cblr-9988	615	92	supporting	support	VERB
cblr-9988	615	93	businesses	business	NOUN
cblr-9988	615	94	that	that	PRON
cblr-9988	615	95	:	:	PUNCT
cblr-9988	615	96	“	"	PUNCT
cblr-9988	615	97	(	(	PUNCT
cblr-9988	615	98	1	1	X
cblr-9988	615	99	)	)	PUNCT
cblr-9988	615	100	provide	provide	VERB
cblr-9988	615	101	jobs	job	NOUN
cblr-9988	615	102	for	for	ADP
cblr-9988	615	103	low	low	ADJ
cblr-9988	615	104	-	-	PUNCT
cblr-9988	615	105	income	income	NOUN
cblr-9988	615	106	persons	person	NOUN
cblr-9988	615	107	;	;	PUNCT
cblr-9988	615	108	(	(	PUNCT
cblr-9988	615	109	2	2	X
cblr-9988	615	110	)	)	PUNCT
cblr-9988	615	111	are	be	AUX
cblr-9988	615	112	owned	own	VERB
cblr-9988	615	113	by	by	ADP
cblr-9988	615	114	low	low	ADJ
cblr-9988	615	115	-	-	PUNCT
cblr-9988	615	116	income	income	NOUN
cblr-9988	615	117	persons	person	NOUN
cblr-9988	615	118	;	;	PUNCT
cblr-9988	615	119	or	or	CCONJ
cblr-9988	615	120	(	(	PUNCT
cblr-9988	615	121	3	3	X
cblr-9988	615	122	)	)	PUNCT
cblr-9988	615	123	increase	increase	VERB
cblr-9988	615	124	the	the	DET
cblr-9988	615	125	availability	availability	NOUN
cblr-9988	615	126	of	of	ADP
cblr-9988	615	127	products	product	NOUN
cblr-9988	615	128	and	and	CCONJ
cblr-9988	615	129	services	service	NOUN
cblr-9988	615	130	to	to	ADP
cblr-9988	615	131	low	low	ADJ
cblr-9988	615	132	-	-	PUNCT
cblr-9988	615	133	income	income	NOUN
cblr-9988	615	134	persons[.]”203	persons[.]”203	NOUN
cblr-9988	615	135	in	in	ADP
cblr-9988	615	136	2020	2020	NUM
cblr-9988	615	137	,	,	PUNCT
cblr-9988	615	138	230	230	NUM
cblr-9988	615	139	cdfis	cdfis	NOUN
cblr-9988	615	140	received	receive	VERB
cblr-9988	615	141	awards	award	NOUN
cblr-9988	615	142	,	,	PUNCT
cblr-9988	615	143	totaling	total	VERB
cblr-9988	615	144	$	$	SYM
cblr-9988	615	145	127	127	NUM
cblr-9988	615	146	million.204	million.204	NOUN
cblr-9988	615	147	under	under	ADP
cblr-9988	615	148	this	this	DET
cblr-9988	615	149	proposed	propose	VERB
cblr-9988	615	150	cdfi	cdfi	VERB
cblr-9988	615	151	-	-	PUNCT
cblr-9988	615	152	like	like	ADJ
cblr-9988	615	153	system	system	NOUN
cblr-9988	615	154	,	,	PUNCT
cblr-9988	615	155	an	an	DET
cblr-9988	615	156	online	online	ADJ
cblr-9988	615	157	lender	lender	NOUN
cblr-9988	615	158	that	that	PRON
cblr-9988	615	159	receives	receive	VERB
cblr-9988	615	160	a	a	DET
cblr-9988	615	161	“	"	PUNCT
cblr-9988	615	162	community	community	NOUN
cblr-9988	615	163	investment	investment	NOUN
cblr-9988	615	164	certification	certification	NOUN
cblr-9988	615	165	”	"	PUNCT
cblr-9988	615	166	can	can	AUX
cblr-9988	615	167	apply	apply	VERB
cblr-9988	615	168	for	for	ADP
cblr-9988	615	169	federal	federal	ADJ
cblr-9988	615	170	grants	grant	NOUN
cblr-9988	615	171	.	.	PUNCT
cblr-9988	616	1	as	as	ADP
cblr-9988	616	2	a	a	DET
cblr-9988	616	3	condition	condition	NOUN
cblr-9988	616	4	of	of	ADP
cblr-9988	616	5	receipt	receipt	NOUN
cblr-9988	616	6	,	,	PUNCT
cblr-9988	616	7	the	the	DET
cblr-9988	616	8	lender	lender	NOUN
cblr-9988	616	9	can	can	AUX
cblr-9988	616	10	be	be	AUX
cblr-9988	616	11	required	require	VERB
cblr-9988	616	12	to	to	ADP
cblr-9988	616	13	(	(	PUNCT
cblr-9988	616	14	1	1	NUM
cblr-9988	616	15	)	)	PUNCT
cblr-9988	616	16	match	match	VERB
cblr-9988	616	17	the	the	DET
cblr-9988	616	18	funds	fund	NOUN
cblr-9988	616	19	dollar	dollar	NOUN
cblr-9988	616	20	-	-	PUNCT
cblr-9988	616	21	for	for	ADP
cblr-9988	616	22	-	-	PUNCT
cblr-9988	616	23	dollar	dollar	NOUN
cblr-9988	616	24	with	with	ADP
cblr-9988	616	25	funding	funding	NOUN
cblr-9988	616	26	from	from	ADP
cblr-9988	616	27	a	a	DET
cblr-9988	616	28	non	non	ADJ
cblr-9988	616	29	-	-	ADJ
cblr-9988	616	30	federal	federal	ADJ
cblr-9988	616	31	source	source	NOUN
cblr-9988	616	32	,	,	PUNCT
cblr-9988	616	33	and	and	CCONJ
cblr-9988	616	34	(	(	PUNCT
cblr-9988	616	35	2	2	X
cblr-9988	616	36	)	)	PUNCT
cblr-9988	616	37	maintain	maintain	VERB
cblr-9988	616	38	a	a	DET
cblr-9988	616	39	certain	certain	ADJ
cblr-9988	616	40	level	level	NOUN
cblr-9988	616	41	of	of	ADP
cblr-9988	616	42	loan	loan	NOUN
cblr-9988	616	43	loss	loss	NOUN
cblr-9988	616	44	reserves	reserve	NOUN
cblr-9988	616	45	or	or	CCONJ
cblr-9988	616	46	capital	capital	NOUN
cblr-9988	616	47	reserves	reserve	NOUN
cblr-9988	616	48	to	to	PART
cblr-9988	616	49	ensure	ensure	VERB
cblr-9988	616	50	borrowers	borrower	NOUN
cblr-9988	616	51	from	from	ADP
cblr-9988	616	52	the	the	DET
cblr-9988	616	53	“	"	PUNCT
cblr-9988	616	54	investment	investment	NOUN
cblr-9988	616	55	area	area	NOUN
cblr-9988	616	56	”	"	PUNCT
cblr-9988	616	57	can	can	AUX
cblr-9988	616	58	access	access	VERB
cblr-9988	616	59	credit	credit	NOUN
cblr-9988	616	60	during	during	ADP
cblr-9988	616	61	an	an	DET
cblr-9988	616	62	economic	economic	ADJ
cblr-9988	616	63	downturn	downturn	NOUN
cblr-9988	616	64	.	.	PUNCT
cblr-9988	617	1	the	the	DET
cblr-9988	617	2	matching	matching	NOUN
cblr-9988	617	3	requirement	requirement	NOUN
cblr-9988	617	4	199	199	NUM
cblr-9988	617	5	see	see	NOUN
cblr-9988	617	6	supra	supra	PROPN
cblr-9988	617	7	section	section	NOUN
cblr-9988	617	8	iii.b.ii	iii.b.ii	ADJ
cblr-9988	617	9	(	(	PUNCT
cblr-9988	617	10	discussing	discuss	VERB
cblr-9988	617	11	how	how	SCONJ
cblr-9988	617	12	kabbage	kabbage	NOUN
cblr-9988	617	13	and	and	CCONJ
cblr-9988	617	14	ondeck	ondeck	NOUN
cblr-9988	617	15	stopped	stop	VERB
cblr-9988	617	16	originating	originate	VERB
cblr-9988	617	17	loans	loan	NOUN
cblr-9988	617	18	during	during	ADP
cblr-9988	617	19	the	the	DET
cblr-9988	617	20	covid-19	covid-19	PROPN
cblr-9988	617	21	pandemic	pandemic	NOUN
cblr-9988	617	22	)	)	PUNCT
cblr-9988	617	23	.	.	PUNCT
cblr-9988	618	1	200	200	NUM
cblr-9988	618	2	cdfi	cdfi	ADJ
cblr-9988	618	3	fund	fund	NOUN
cblr-9988	618	4	,	,	PUNCT
cblr-9988	618	5	cdfi	cdfi	PROPN
cblr-9988	618	6	program	program	NOUN
cblr-9988	618	7	award	award	NOUN
cblr-9988	618	8	book	book	NOUN
cblr-9988	618	9	2	2	NUM
cblr-9988	618	10	,	,	PUNCT
cblr-9988	618	11	fy	fy	PROPN
cblr-9988	618	12	2020	2020	NUM
cblr-9988	618	13	(	(	PUNCT
cblr-9988	618	14	2020	2020	NUM
cblr-9988	618	15	)	)	PUNCT
cblr-9988	618	16	,	,	PUNCT
cblr-9988	618	17	https://www.cdfifund.gov/sites/cdfi/files/documents/draft-2020-cdfi-fa-taaward-book-091820_vapproval2.pdf	https://www.cdfifund.gov/sites/cdfi/files/documents/draft-2020-cdfi-fa-taaward-book-091820_vapproval2.pdf	NOUN
cblr-9988	619	1	[	[	X
cblr-9988	619	2	https://perma.cc/q4w6-xxwx	https://perma.cc/q4w6-xxwx	NOUN
cblr-9988	619	3	]	]	PUNCT
cblr-9988	619	4	.	.	PUNCT
cblr-9988	620	1	funds	fund	NOUN
cblr-9988	620	2	must	must	AUX
cblr-9988	620	3	be	be	AUX
cblr-9988	620	4	matched	match	VERB
cblr-9988	620	5	dollar	dollar	NOUN
cblr-9988	620	6	-	-	PUNCT
cblr-9988	620	7	for	for	ADP
cblr-9988	620	8	-	-	PUNCT
cblr-9988	620	9	dollar	dollar	NOUN
cblr-9988	620	10	,	,	PUNCT
cblr-9988	620	11	unless	unless	SCONJ
cblr-9988	620	12	otherwise	otherwise	ADV
cblr-9988	620	13	excepted	except	VERB
cblr-9988	620	14	.	.	PUNCT
cblr-9988	621	1	see	see	VERB
cblr-9988	621	2	12	12	NUM
cblr-9988	621	3	c.f.r	c.f.r	NOUN
cblr-9988	621	4	.	.	PUNCT
cblr-9988	622	1	§	§	PROPN
cblr-9988	622	2	1805.500	1805.500	NUM
cblr-9988	622	3	(	(	PUNCT
cblr-9988	622	4	2021	2021	NUM
cblr-9988	622	5	)	)	PUNCT
cblr-9988	622	6	.	.	PUNCT
cblr-9988	623	1	201	201	NUM
cblr-9988	623	2	cdfi	cdfi	ADJ
cblr-9988	623	3	fund	fund	NOUN
cblr-9988	623	4	,	,	PUNCT
cblr-9988	623	5	supra	supra	PROPN
cblr-9988	623	6	note	note	VERB
cblr-9988	623	7	200	200	NUM
cblr-9988	623	8	,	,	PUNCT
cblr-9988	623	9	at	at	ADP
cblr-9988	623	10	2	2	NUM
cblr-9988	623	11	.	.	PUNCT
cblr-9988	623	12	202	202	NUM
cblr-9988	623	13	12	12	NUM
cblr-9988	623	14	c.f.r	c.f.r	NOUN
cblr-9988	623	15	.	.	PUNCT
cblr-9988	624	1	§	§	PROPN
cblr-9988	624	2	§	§	PROPN
cblr-9988	624	3	1805.302	1805.302	NUM
cblr-9988	624	4	,	,	PUNCT
cblr-9988	624	5	1805.104	1805.104	PROPN
cblr-9988	624	6	(	(	PUNCT
cblr-9988	624	7	defining	define	VERB
cblr-9988	624	8	an	an	DET
cblr-9988	624	9	“	"	PUNCT
cblr-9988	624	10	assistance	assistance	NOUN
cblr-9988	624	11	agreement	agreement	NOUN
cblr-9988	624	12	”	"	PUNCT
cblr-9988	624	13	as	as	ADP
cblr-9988	624	14	a	a	DET
cblr-9988	624	15	“	"	PUNCT
cblr-9988	624	16	a	a	DET
cblr-9988	624	17	formal	formal	ADJ
cblr-9988	624	18	agreement	agreement	NOUN
cblr-9988	624	19	between	between	ADP
cblr-9988	624	20	the	the	DET
cblr-9988	624	21	cdfi	cdfi	PROPN
cblr-9988	624	22	fund	fund	NOUN
cblr-9988	624	23	and	and	CCONJ
cblr-9988	624	24	a	a	DET
cblr-9988	624	25	recipient	recipient	NOUN
cblr-9988	624	26	”	"	PUNCT
cblr-9988	624	27	)	)	PUNCT
cblr-9988	624	28	.	.	PUNCT
cblr-9988	625	1	203	203	NUM
cblr-9988	626	1	i	i	PRON
cblr-9988	626	2	d.	d.	PROPN
cblr-9988	626	3	§	§	PROPN
cblr-9988	626	4	1805.301	1805.301	PROPN
cblr-9988	626	5	204	204	NUM
cblr-9988	626	6	cdfi	cdfi	ADJ
cblr-9988	626	7	fund	fund	NOUN
cblr-9988	626	8	,	,	PUNCT
cblr-9988	626	9	supra	supra	PROPN
cblr-9988	626	10	note	note	VERB
cblr-9988	626	11	200	200	NUM
cblr-9988	626	12	,	,	PUNCT
cblr-9988	626	13	at	at	ADP
cblr-9988	626	14	4	4	NUM
cblr-9988	626	15	.	.	NOUN
cblr-9988	626	16	662	662	NUM
cblr-9988	626	17	columbia	columbia	PROPN
cblr-9988	626	18	business	business	NOUN
cblr-9988	626	19	law	law	PROPN
cblr-9988	626	20	review	review	NOUN
cblr-9988	626	21	[	[	X
cblr-9988	626	22	vol	vol	NOUN
cblr-9988	626	23	.	.	PUNCT
cblr-9988	626	24	2022	2022	NUM
cblr-9988	626	25	doubles	double	VERB
cblr-9988	626	26	the	the	DET
cblr-9988	626	27	amount	amount	NOUN
cblr-9988	626	28	of	of	ADP
cblr-9988	626	29	money	money	NOUN
cblr-9988	626	30	that	that	PRON
cblr-9988	626	31	will	will	AUX
cblr-9988	626	32	be	be	AUX
cblr-9988	626	33	invested	invest	VERB
cblr-9988	626	34	in	in	ADP
cblr-9988	626	35	the	the	DET
cblr-9988	626	36	community	community	NOUN
cblr-9988	626	37	.	.	PUNCT
cblr-9988	627	1	the	the	DET
cblr-9988	627	2	capital	capital	PROPN
cblr-9988	627	3	reserve	reserve	PROPN
cblr-9988	627	4	requirement	requirement	NOUN
cblr-9988	627	5	ensures	ensure	VERB
cblr-9988	627	6	that	that	SCONJ
cblr-9988	627	7	borrowers	borrower	NOUN
cblr-9988	627	8	have	have	VERB
cblr-9988	627	9	a	a	DET
cblr-9988	627	10	reliable	reliable	ADJ
cblr-9988	627	11	source	source	NOUN
cblr-9988	627	12	of	of	ADP
cblr-9988	627	13	credit	credit	NOUN
cblr-9988	627	14	,	,	PUNCT
cblr-9988	627	15	lessening	lessen	VERB
cblr-9988	627	16	the	the	DET
cblr-9988	627	17	chance	chance	NOUN
cblr-9988	627	18	that	that	SCONJ
cblr-9988	627	19	small	small	ADJ
cblr-9988	627	20	businesses	business	NOUN
cblr-9988	627	21	will	will	AUX
cblr-9988	627	22	have	have	AUX
cblr-9988	627	23	to	to	PART
cblr-9988	627	24	shut	shut	VERB
cblr-9988	627	25	down	down	ADP
cblr-9988	627	26	from	from	ADP
cblr-9988	627	27	being	be	AUX
cblr-9988	627	28	unable	unable	ADJ
cblr-9988	627	29	to	to	PART
cblr-9988	627	30	repay	repay	VERB
cblr-9988	627	31	a	a	DET
cblr-9988	627	32	loan	loan	NOUN
cblr-9988	627	33	if	if	SCONJ
cblr-9988	627	34	they	they	PRON
cblr-9988	627	35	face	face	VERB
cblr-9988	627	36	unexpected	unexpected	ADJ
cblr-9988	627	37	losses	loss	NOUN
cblr-9988	627	38	.	.	PUNCT
cblr-9988	628	1	in	in	ADP
cblr-9988	628	2	considering	consider	VERB
cblr-9988	628	3	what	what	DET
cblr-9988	628	4	level	level	NOUN
cblr-9988	628	5	of	of	ADP
cblr-9988	628	6	reserves	reserve	NOUN
cblr-9988	628	7	is	be	AUX
cblr-9988	628	8	adequate	adequate	ADJ
cblr-9988	628	9	,	,	PUNCT
cblr-9988	628	10	the	the	DET
cblr-9988	628	11	language	language	NOUN
cblr-9988	628	12	of	of	ADP
cblr-9988	628	13	the	the	DET
cblr-9988	628	14	occ	occ	NOUN
cblr-9988	628	15	’s	’s	PART
cblr-9988	628	16	special	special	ADJ
cblr-9988	628	17	purpose	purpose	NOUN
cblr-9988	628	18	national	national	PROPN
cblr-9988	628	19	bank	bank	PROPN
cblr-9988	628	20	charter	charter	NOUN
cblr-9988	628	21	provides	provide	VERB
cblr-9988	628	22	a	a	DET
cblr-9988	628	23	useful	useful	ADJ
cblr-9988	628	24	guideline	guideline	NOUN
cblr-9988	628	25	:	:	PUNCT
cblr-9988	628	26	an	an	DET
cblr-9988	628	27	online	online	ADJ
cblr-9988	628	28	lender	lender	NOUN
cblr-9988	628	29	that	that	PRON
cblr-9988	628	30	receives	receive	VERB
cblr-9988	628	31	federal	federal	ADJ
cblr-9988	628	32	grants	grant	NOUN
cblr-9988	628	33	can	can	AUX
cblr-9988	628	34	be	be	AUX
cblr-9988	628	35	required	require	VERB
cblr-9988	628	36	to	to	PART
cblr-9988	628	37	maintain	maintain	VERB
cblr-9988	628	38	minimum	minimum	ADJ
cblr-9988	628	39	levels	level	NOUN
cblr-9988	628	40	of	of	ADP
cblr-9988	628	41	liquidity	liquidity	NOUN
cblr-9988	628	42	proportionate	proportionate	ADJ
cblr-9988	628	43	to	to	ADP
cblr-9988	628	44	the	the	DET
cblr-9988	628	45	risk	risk	NOUN
cblr-9988	628	46	of	of	ADP
cblr-9988	628	47	their	their	PRON
cblr-9988	628	48	lending	lending	NOUN
cblr-9988	628	49	activities	activity	NOUN
cblr-9988	628	50	.	.	PUNCT
cblr-9988	629	1	a	a	DET
cblr-9988	629	2	cdfi	cdfi	VERB
cblr-9988	629	3	-	-	PUNCT
cblr-9988	629	4	like	like	ADJ
cblr-9988	629	5	program	program	NOUN
cblr-9988	629	6	that	that	PRON
cblr-9988	629	7	certifies	certifie	NOUN
cblr-9988	629	8	and	and	CCONJ
cblr-9988	629	9	offers	offer	VERB
cblr-9988	629	10	federal	federal	ADJ
cblr-9988	629	11	funding	funding	NOUN
cblr-9988	629	12	to	to	ADP
cblr-9988	629	13	online	online	ADJ
cblr-9988	629	14	lenders	lender	NOUN
cblr-9988	629	15	for	for	ADP
cblr-9988	629	16	substantial	substantial	ADJ
cblr-9988	629	17	lending	lending	NOUN
cblr-9988	629	18	to	to	ADP
cblr-9988	629	19	“	"	PUNCT
cblr-9988	629	20	investment	investment	NOUN
cblr-9988	629	21	areas	area	NOUN
cblr-9988	629	22	”	"	PUNCT
cblr-9988	629	23	and	and	CCONJ
cblr-9988	629	24	requires	require	VERB
cblr-9988	629	25	such	such	ADJ
cblr-9988	629	26	lenders	lender	NOUN
cblr-9988	629	27	to	to	PART
cblr-9988	629	28	maintain	maintain	VERB
cblr-9988	629	29	a	a	DET
cblr-9988	629	30	minimum	minimum	ADJ
cblr-9988	629	31	level	level	NOUN
cblr-9988	629	32	of	of	ADP
cblr-9988	629	33	capital	capital	NOUN
cblr-9988	629	34	reserves	reserve	NOUN
cblr-9988	629	35	would	would	AUX
cblr-9988	629	36	allow	allow	VERB
cblr-9988	629	37	more	more	ADJ
cblr-9988	629	38	small	small	ADJ
cblr-9988	629	39	businesses	business	NOUN
cblr-9988	629	40	in	in	ADP
cblr-9988	629	41	low	low	ADJ
cblr-9988	629	42	-	-	PUNCT
cblr-9988	629	43	income	income	NOUN
cblr-9988	629	44	areas	area	NOUN
cblr-9988	629	45	to	to	PART
cblr-9988	629	46	access	access	VERB
cblr-9988	629	47	credit	credit	NOUN
cblr-9988	629	48	in	in	ADP
cblr-9988	629	49	both	both	CCONJ
cblr-9988	629	50	regular	regular	ADJ
cblr-9988	629	51	times	time	NOUN
cblr-9988	629	52	and	and	CCONJ
cblr-9988	629	53	in	in	ADP
cblr-9988	629	54	recessions	recession	NOUN
cblr-9988	629	55	.	.	PUNCT
cblr-9988	630	1	minority	minority	NOUN
cblr-9988	630	2	-	-	PUNCT
cblr-9988	630	3	owned	own	VERB
cblr-9988	630	4	small	small	ADJ
cblr-9988	630	5	businesses	business	NOUN
cblr-9988	630	6	,	,	PUNCT
cblr-9988	630	7	which	which	PRON
cblr-9988	630	8	are	be	AUX
cblr-9988	630	9	disproportionately	disproportionately	ADV
cblr-9988	630	10	located	locate	VERB
cblr-9988	630	11	in	in	ADP
cblr-9988	630	12	low	low	ADJ
cblr-9988	630	13	-	-	PUNCT
cblr-9988	630	14	income	income	NOUN
cblr-9988	630	15	communities	community	NOUN
cblr-9988	630	16	,	,	PUNCT
cblr-9988	630	17	would	would	AUX
cblr-9988	630	18	greatly	greatly	ADV
cblr-9988	630	19	benefit	benefit	VERB
cblr-9988	630	20	from	from	ADP
cblr-9988	630	21	such	such	DET
cblr-9988	630	22	a	a	DET
cblr-9988	630	23	program	program	NOUN
cblr-9988	630	24	.	.	PUNCT
cblr-9988	631	1	there	there	PRON
cblr-9988	631	2	are	be	VERB
cblr-9988	631	3	limitations	limitation	NOUN
cblr-9988	631	4	to	to	ADP
cblr-9988	631	5	the	the	DET
cblr-9988	631	6	effectiveness	effectiveness	NOUN
cblr-9988	631	7	of	of	ADP
cblr-9988	631	8	such	such	DET
cblr-9988	631	9	a	a	DET
cblr-9988	631	10	program	program	NOUN
cblr-9988	631	11	,	,	PUNCT
cblr-9988	631	12	however	however	ADV
cblr-9988	631	13	.	.	PUNCT
cblr-9988	632	1	one	one	NUM
cblr-9988	632	2	concern	concern	NOUN
cblr-9988	632	3	is	be	AUX
cblr-9988	632	4	whether	whether	SCONJ
cblr-9988	632	5	online	online	ADJ
cblr-9988	632	6	lenders	lender	NOUN
cblr-9988	632	7	would	would	AUX
cblr-9988	632	8	choose	choose	VERB
cblr-9988	632	9	to	to	PART
cblr-9988	632	10	participate	participate	VERB
cblr-9988	632	11	in	in	ADP
cblr-9988	632	12	such	such	DET
cblr-9988	632	13	a	a	DET
cblr-9988	632	14	program	program	NOUN
cblr-9988	632	15	.	.	PUNCT
cblr-9988	633	1	lenders	lender	NOUN
cblr-9988	633	2	may	may	AUX
cblr-9988	633	3	fear	fear	VERB
cblr-9988	633	4	that	that	SCONJ
cblr-9988	633	5	they	they	PRON
cblr-9988	633	6	will	will	AUX
cblr-9988	633	7	incur	incur	VERB
cblr-9988	633	8	losses	loss	NOUN
cblr-9988	633	9	from	from	ADP
cblr-9988	633	10	maintaining	maintain	VERB
cblr-9988	633	11	additional	additional	ADJ
cblr-9988	633	12	capital	capital	NOUN
cblr-9988	633	13	reserves	reserve	NOUN
cblr-9988	633	14	.	.	PUNCT
cblr-9988	634	1	to	to	PART
cblr-9988	634	2	avoid	avoid	VERB
cblr-9988	634	3	losses	loss	NOUN
cblr-9988	634	4	,	,	PUNCT
cblr-9988	634	5	the	the	DET
cblr-9988	634	6	investment	investment	NOUN
cblr-9988	634	7	a	a	DET
cblr-9988	634	8	lender	lender	NOUN
cblr-9988	634	9	gains	gain	VERB
cblr-9988	634	10	from	from	ADP
cblr-9988	634	11	being	be	AUX
cblr-9988	634	12	certified	certify	VERB
cblr-9988	634	13	,	,	PUNCT
cblr-9988	634	14	either	either	CCONJ
cblr-9988	634	15	from	from	ADP
cblr-9988	634	16	private	private	ADJ
cblr-9988	634	17	investors	investor	NOUN
cblr-9988	634	18	or	or	CCONJ
cblr-9988	634	19	the	the	DET
cblr-9988	634	20	government	government	NOUN
cblr-9988	634	21	,	,	PUNCT
cblr-9988	634	22	should	should	AUX
cblr-9988	634	23	make	make	VERB
cblr-9988	634	24	up	up	ADP
cblr-9988	634	25	for	for	ADP
cblr-9988	634	26	their	their	PRON
cblr-9988	634	27	costs	cost	NOUN
cblr-9988	634	28	in	in	ADP
cblr-9988	634	29	maintaining	maintain	VERB
cblr-9988	634	30	additional	additional	ADJ
cblr-9988	634	31	capital	capital	NOUN
cblr-9988	634	32	reserves	reserve	NOUN
cblr-9988	634	33	.	.	PUNCT
cblr-9988	635	1	certification	certification	NOUN
cblr-9988	635	2	would	would	AUX
cblr-9988	635	3	help	help	VERB
cblr-9988	635	4	online	online	ADJ
cblr-9988	635	5	lenders	lender	NOUN
cblr-9988	635	6	attract	attract	VERB
cblr-9988	635	7	investment	investment	NOUN
cblr-9988	635	8	from	from	ADP
cblr-9988	635	9	socially	socially	ADV
cblr-9988	635	10	conscious	conscious	ADJ
cblr-9988	635	11	investors	investor	NOUN
cblr-9988	635	12	,	,	PUNCT
cblr-9988	635	13	205	205	NUM
cblr-9988	635	14	to	to	PART
cblr-9988	635	15	balance	balance	VERB
cblr-9988	635	16	out	out	ADP
cblr-9988	635	17	the	the	DET
cblr-9988	635	18	costs	cost	NOUN
cblr-9988	635	19	of	of	ADP
cblr-9988	635	20	compliance	compliance	NOUN
cblr-9988	635	21	and	and	CCONJ
cblr-9988	635	22	prevent	prevent	VERB
cblr-9988	635	23	lenders	lender	NOUN
cblr-9988	635	24	from	from	ADP
cblr-9988	635	25	incurring	incur	VERB
cblr-9988	635	26	a	a	DET
cblr-9988	635	27	net	net	ADJ
cblr-9988	635	28	loss	loss	NOUN
cblr-9988	635	29	.	.	PUNCT
cblr-9988	636	1	this	this	DET
cblr-9988	636	2	proposed	propose	VERB
cblr-9988	636	3	program	program	NOUN
cblr-9988	636	4	could	could	AUX
cblr-9988	636	5	help	help	VERB
cblr-9988	636	6	minority	minority	NOUN
cblr-9988	636	7	small	small	ADJ
cblr-9988	636	8	businesses	business	NOUN
cblr-9988	636	9	in	in	ADP
cblr-9988	636	10	low	low	ADJ
cblr-9988	636	11	-	-	PUNCT
cblr-9988	636	12	income	income	NOUN
cblr-9988	636	13	communities	community	NOUN
cblr-9988	636	14	survive	survive	VERB
cblr-9988	636	15	economic	economic	ADJ
cblr-9988	636	16	losses	loss	NOUN
cblr-9988	636	17	without	without	ADP
cblr-9988	636	18	having	have	VERB
cblr-9988	636	19	to	to	PART
cblr-9988	636	20	close	close	VERB
cblr-9988	636	21	down	down	ADP
cblr-9988	636	22	.	.	PUNCT
cblr-9988	637	1	yet	yet	CCONJ
cblr-9988	637	2	it	it	PRON
cblr-9988	637	3	is	be	AUX
cblr-9988	637	4	not	not	PART
cblr-9988	637	5	a	a	DET
cblr-9988	637	6	complete	complete	ADJ
cblr-9988	637	7	solution	solution	NOUN
cblr-9988	637	8	to	to	ADP
cblr-9988	637	9	the	the	DET
cblr-9988	637	10	problem	problem	NOUN
cblr-9988	637	11	of	of	ADP
cblr-9988	637	12	lack	lack	NOUN
cblr-9988	637	13	of	of	ADP
cblr-9988	637	14	access	access	NOUN
cblr-9988	637	15	to	to	ADP
cblr-9988	637	16	credit	credit	NOUN
cblr-9988	637	17	for	for	ADP
cblr-9988	637	18	minority	minority	NOUN
cblr-9988	637	19	entrepreneurs	entrepreneur	NOUN
cblr-9988	637	20	.	.	PUNCT
cblr-9988	638	1	increased	increase	VERB
cblr-9988	638	2	online	online	ADJ
cblr-9988	638	3	lending	lending	NOUN
cblr-9988	638	4	would	would	AUX
cblr-9988	638	5	not	not	PART
cblr-9988	638	6	bring	bring	VERB
cblr-9988	638	7	minority	minority	NOUN
cblr-9988	638	8	business	business	NOUN
cblr-9988	638	9	owners	owner	NOUN
cblr-9988	638	10	into	into	ADP
cblr-9988	638	11	the	the	DET
cblr-9988	638	12	banking	banking	NOUN
cblr-9988	638	13	system	system	NOUN
cblr-9988	638	14	or	or	CCONJ
cblr-9988	638	15	provide	provide	VERB
cblr-9988	638	16	them	they	PRON
cblr-9988	638	17	with	with	ADP
cblr-9988	638	18	the	the	DET
cblr-9988	638	19	stability	stability	NOUN
cblr-9988	638	20	of	of	ADP
cblr-9988	638	21	a	a	DET
cblr-9988	638	22	banking	banking	NOUN
cblr-9988	638	23	relationship	relationship	NOUN
cblr-9988	638	24	.	.	PUNCT
cblr-9988	639	1	a	a	DET
cblr-9988	639	2	cdfi	cdfi	VERB
cblr-9988	639	3	-	-	PUNCT
cblr-9988	639	4	like	like	ADJ
cblr-9988	639	5	205	205	NUM
cblr-9988	639	6	eldar	eldar	NOUN
cblr-9988	639	7	,	,	PUNCT
cblr-9988	639	8	supra	supra	PROPN
cblr-9988	639	9	note	note	PROPN
cblr-9988	639	10	72	72	NUM
cblr-9988	639	11	,	,	PUNCT
cblr-9988	639	12	at	at	ADP
cblr-9988	639	13	955–56	955–56	NOUN
cblr-9988	639	14	(	(	PUNCT
cblr-9988	639	15	discussing	discuss	VERB
cblr-9988	639	16	how	how	SCONJ
cblr-9988	639	17	a	a	DET
cblr-9988	639	18	certification	certification	NOUN
cblr-9988	639	19	can	can	AUX
cblr-9988	639	20	attract	attract	VERB
cblr-9988	639	21	subsidies	subsidy	NOUN
cblr-9988	639	22	)	)	PUNCT
cblr-9988	639	23	.	.	PUNCT
cblr-9988	640	1	no	no	INTJ
cblr-9988	640	2	.	.	PUNCT
cblr-9988	641	1	1:621	1:621	NUM
cblr-9988	641	2	]	]	X
cblr-9988	641	3	expand	expand	VERB
cblr-9988	641	4	online	online	ADJ
cblr-9988	641	5	lending	lending	NOUN
cblr-9988	641	6	to	to	ADP
cblr-9988	641	7	minority	minority	NOUN
cblr-9988	641	8	business	business	NOUN
cblr-9988	641	9	owners	owner	NOUN
cblr-9988	641	10	663	663	NUM
cblr-9988	641	11	subsidy	subsidy	NOUN
cblr-9988	641	12	system	system	NOUN
cblr-9988	641	13	would	would	AUX
cblr-9988	641	14	leverage	leverage	VERB
cblr-9988	641	15	fintech	fintech	NOUN
cblr-9988	641	16	to	to	PART
cblr-9988	641	17	increase	increase	VERB
cblr-9988	641	18	access	access	NOUN
cblr-9988	641	19	to	to	ADP
cblr-9988	641	20	credit	credit	NOUN
cblr-9988	641	21	for	for	ADP
cblr-9988	641	22	minority	minority	NOUN
cblr-9988	641	23	entrepreneurs	entrepreneur	NOUN
cblr-9988	641	24	but	but	CCONJ
cblr-9988	641	25	it	it	PRON
cblr-9988	641	26	can	can	AUX
cblr-9988	641	27	not	not	PART
cblr-9988	641	28	serve	serve	VERB
cblr-9988	641	29	as	as	ADP
cblr-9988	641	30	a	a	DET
cblr-9988	641	31	complete	complete	ADJ
cblr-9988	641	32	replacement	replacement	NOUN
cblr-9988	641	33	for	for	ADP
cblr-9988	641	34	a	a	DET
cblr-9988	641	35	comprehensive	comprehensive	ADJ
cblr-9988	641	36	banking	banking	NOUN
cblr-9988	641	37	system	system	NOUN
cblr-9988	641	38	that	that	PRON
cblr-9988	641	39	provides	provide	VERB
cblr-9988	641	40	access	access	NOUN
cblr-9988	641	41	to	to	ADP
cblr-9988	641	42	credit	credit	NOUN
cblr-9988	641	43	across	across	ADP
cblr-9988	641	44	low	low	ADJ
cblr-9988	641	45	-	-	PUNCT
cblr-9988	641	46	income	income	NOUN
cblr-9988	641	47	and	and	CCONJ
cblr-9988	641	48	minority	minority	NOUN
cblr-9988	641	49	communities	community	NOUN
cblr-9988	641	50	.	.	PUNCT
cblr-9988	642	1	v.	v.	ADP
cblr-9988	642	2	conclusion	conclusion	NOUN
cblr-9988	642	3	minority	minority	NOUN
cblr-9988	642	4	business	business	NOUN
cblr-9988	642	5	owners	owner	NOUN
cblr-9988	642	6	face	face	VERB
cblr-9988	642	7	challenges	challenge	NOUN
cblr-9988	642	8	obtaining	obtain	VERB
cblr-9988	642	9	credit	credit	NOUN
cblr-9988	642	10	due	due	ADP
cblr-9988	642	11	to	to	ADP
cblr-9988	642	12	banking	banking	NOUN
cblr-9988	642	13	industry	industry	NOUN
cblr-9988	642	14	trends	trend	NOUN
cblr-9988	642	15	moving	move	VERB
cblr-9988	642	16	away	away	ADV
cblr-9988	642	17	from	from	ADP
cblr-9988	642	18	smalldollar	smalldollar	ADJ
cblr-9988	642	19	loans	loan	NOUN
cblr-9988	642	20	,	,	PUNCT
cblr-9988	642	21	and	and	CCONJ
cblr-9988	642	22	because	because	SCONJ
cblr-9988	642	23	many	many	ADJ
cblr-9988	642	24	minority	minority	NOUN
cblr-9988	642	25	entrepreneurs	entrepreneur	NOUN
cblr-9988	642	26	have	have	VERB
cblr-9988	642	27	limited	limit	VERB
cblr-9988	642	28	credit	credit	NOUN
cblr-9988	642	29	data	datum	NOUN
cblr-9988	642	30	.	.	PUNCT
cblr-9988	643	1	online	online	ADJ
cblr-9988	643	2	lenders	lender	NOUN
cblr-9988	643	3	increase	increase	VERB
cblr-9988	643	4	financial	financial	ADJ
cblr-9988	643	5	inclusion	inclusion	NOUN
cblr-9988	643	6	by	by	ADP
cblr-9988	643	7	providing	provide	VERB
cblr-9988	643	8	credit	credit	NOUN
cblr-9988	643	9	to	to	ADP
cblr-9988	643	10	small	small	ADJ
cblr-9988	643	11	business	business	NOUN
cblr-9988	643	12	owners	owner	NOUN
cblr-9988	643	13	who	who	PRON
cblr-9988	643	14	do	do	AUX
cblr-9988	643	15	not	not	PART
cblr-9988	643	16	have	have	VERB
cblr-9988	643	17	enough	enough	ADJ
cblr-9988	643	18	financial	financial	ADJ
cblr-9988	643	19	data	datum	NOUN
cblr-9988	643	20	to	to	PART
cblr-9988	643	21	obtain	obtain	VERB
cblr-9988	643	22	loans	loan	NOUN
cblr-9988	643	23	from	from	ADP
cblr-9988	643	24	large	large	ADJ
cblr-9988	643	25	banks	bank	NOUN
cblr-9988	643	26	.	.	PUNCT
cblr-9988	644	1	but	but	CCONJ
cblr-9988	644	2	small	small	ADJ
cblr-9988	644	3	business	business	NOUN
cblr-9988	644	4	borrowers	borrower	NOUN
cblr-9988	644	5	who	who	PRON
cblr-9988	644	6	rely	rely	VERB
cblr-9988	644	7	on	on	ADP
cblr-9988	644	8	online	online	ADJ
cblr-9988	644	9	lending	lending	NOUN
cblr-9988	644	10	may	may	AUX
cblr-9988	644	11	face	face	VERB
cblr-9988	644	12	difficulties	difficulty	NOUN
cblr-9988	644	13	obtaining	obtain	VERB
cblr-9988	644	14	loans	loan	NOUN
cblr-9988	644	15	when	when	SCONJ
cblr-9988	644	16	they	they	PRON
cblr-9988	644	17	need	need	VERB
cblr-9988	644	18	it	it	PRON
cblr-9988	644	19	most	most	ADV
cblr-9988	644	20	—	—	PUNCT
cblr-9988	644	21	online	online	ADJ
cblr-9988	644	22	lenders	lender	NOUN
cblr-9988	644	23	are	be	AUX
cblr-9988	644	24	more	more	ADV
cblr-9988	644	25	likely	likely	ADJ
cblr-9988	644	26	than	than	SCONJ
cblr-9988	644	27	banks	bank	NOUN
cblr-9988	644	28	to	to	PART
cblr-9988	644	29	experience	experience	VERB
cblr-9988	644	30	liquidity	liquidity	NOUN
cblr-9988	644	31	problems	problem	NOUN
cblr-9988	644	32	during	during	ADP
cblr-9988	644	33	a	a	DET
cblr-9988	644	34	recession	recession	NOUN
cblr-9988	644	35	,	,	PUNCT
cblr-9988	644	36	in	in	ADP
cblr-9988	644	37	part	part	NOUN
cblr-9988	644	38	due	due	ADP
cblr-9988	644	39	to	to	ADP
cblr-9988	644	40	their	their	PRON
cblr-9988	644	41	business	business	NOUN
cblr-9988	644	42	models.206	models.206	NOUN
cblr-9988	644	43	online	online	ADJ
cblr-9988	644	44	lenders	lender	NOUN
cblr-9988	644	45	can	can	AUX
cblr-9988	644	46	avoid	avoid	VERB
cblr-9988	644	47	or	or	CCONJ
cblr-9988	644	48	reduce	reduce	VERB
cblr-9988	644	49	liquidity	liquidity	NOUN
cblr-9988	644	50	problems	problem	NOUN
cblr-9988	644	51	by	by	ADP
cblr-9988	644	52	maintaining	maintain	VERB
cblr-9988	644	53	a	a	DET
cblr-9988	644	54	minimum	minimum	ADJ
cblr-9988	644	55	level	level	NOUN
cblr-9988	644	56	of	of	ADP
cblr-9988	644	57	capital	capital	NOUN
cblr-9988	644	58	reserves	reserve	NOUN
cblr-9988	644	59	.	.	PUNCT
cblr-9988	645	1	a	a	DET
cblr-9988	645	2	cdfi	cdfi	VERB
cblr-9988	645	3	-	-	PUNCT
cblr-9988	645	4	like	like	ADJ
cblr-9988	645	5	program	program	NOUN
cblr-9988	645	6	could	could	AUX
cblr-9988	645	7	provide	provide	VERB
cblr-9988	645	8	subsidies	subsidy	NOUN
cblr-9988	645	9	to	to	ADP
cblr-9988	645	10	online	online	ADJ
cblr-9988	645	11	lenders	lender	NOUN
cblr-9988	645	12	that	that	PRON
cblr-9988	645	13	lend	lend	VERB
cblr-9988	645	14	to	to	ADP
cblr-9988	645	15	small	small	ADJ
cblr-9988	645	16	businesses	business	NOUN
cblr-9988	645	17	in	in	ADP
cblr-9988	645	18	low	low	ADJ
cblr-9988	645	19	-	-	PUNCT
cblr-9988	645	20	income	income	NOUN
cblr-9988	645	21	communities	community	NOUN
cblr-9988	645	22	while	while	SCONJ
cblr-9988	645	23	also	also	ADV
cblr-9988	645	24	requiring	require	VERB
cblr-9988	645	25	that	that	SCONJ
cblr-9988	645	26	those	those	DET
cblr-9988	645	27	lenders	lender	NOUN
cblr-9988	645	28	maintain	maintain	VERB
cblr-9988	645	29	a	a	DET
cblr-9988	645	30	certain	certain	ADJ
cblr-9988	645	31	level	level	NOUN
cblr-9988	645	32	of	of	ADP
cblr-9988	645	33	capital	capital	NOUN
cblr-9988	645	34	reserves	reserve	NOUN
cblr-9988	645	35	.	.	PUNCT
cblr-9988	646	1	such	such	DET
cblr-9988	646	2	a	a	DET
cblr-9988	646	3	program	program	NOUN
cblr-9988	646	4	could	could	AUX
cblr-9988	646	5	provide	provide	VERB
cblr-9988	646	6	minority	minority	NOUN
cblr-9988	646	7	small	small	ADJ
cblr-9988	646	8	business	business	NOUN
cblr-9988	646	9	owners	owner	NOUN
cblr-9988	646	10	with	with	ADP
cblr-9988	646	11	a	a	DET
cblr-9988	646	12	consistent	consistent	ADJ
cblr-9988	646	13	source	source	NOUN
cblr-9988	646	14	of	of	ADP
cblr-9988	646	15	affordable	affordable	ADJ
cblr-9988	646	16	credit	credit	NOUN
cblr-9988	646	17	.	.	PUNCT
cblr-9988	647	1	206	206	NUM
cblr-9988	647	2	supra	supra	PROPN
cblr-9988	647	3	section	section	NOUN
cblr-9988	647	4	iii.b.ii	iii.b.ii	ADJ
cblr-9988	647	5	.	.	PUNCT