id	sid	tid	token	lemma	pos
cjrl-2282	1	1	crane	crane	NOUN
cjrl-2282	1	2	final	final	ADJ
cjrl-2282	1	3	formatted	format	VERB
cjrl-2282	1	4	2013	2013	NUM
cjrl-2282	1	5	columbia	columbia	PROPN
cjrl-2282	1	6	journal	journal	NOUN
cjrl-2282	1	7	of	of	ADP
cjrl-2282	1	8	race	race	NOUN
cjrl-2282	1	9	and	and	CCONJ
cjrl-2282	1	10	law	law	NOUN
cjrl-2282	1	11	73	73	NUM
cjrl-2282	1	12	checking	check	VERB
cjrl-2282	1	13	out	out	ADP
cjrl-2282	1	14	of	of	ADP
cjrl-2282	1	15	the	the	DET
cjrl-2282	1	16	exception	exception	NOUN
cjrl-2282	1	17	to	to	ADP
cjrl-2282	1	18	3	3	NUM
cjrl-2282	1	19	-	-	SYM
cjrl-2282	1	20	104	104	NUM
cjrl-2282	1	21	:	:	PUNCT
cjrl-2282	1	22	why	why	SCONJ
cjrl-2282	1	23	parties	party	NOUN
cjrl-2282	1	24	should	should	AUX
cjrl-2282	1	25	be	be	AUX
cjrl-2282	1	26	able	able	ADJ
cjrl-2282	1	27	to	to	PART
cjrl-2282	1	28	negotiate	negotiate	VERB
cjrl-2282	1	29	whether	whether	SCONJ
cjrl-2282	1	30	checks	check	NOUN
cjrl-2282	1	31	should	should	AUX
cjrl-2282	1	32	be	be	AUX
cjrl-2282	1	33	payable	payable	ADJ
cjrl-2282	1	34	on	on	ADP
cjrl-2282	2	1	demand	demand	NOUN
cjrl-2282	2	2	linda	linda	PROPN
cjrl-2282	2	3	r.	r.	PROPN
cjrl-2282	2	4	crane	crane	PROPN
cjrl-2282	3	1	*	*	PUNCT
cjrl-2282	4	1	many	many	ADJ
cjrl-2282	4	2	aspects	aspect	NOUN
cjrl-2282	4	3	of	of	ADP
cjrl-2282	4	4	american	american	ADJ
cjrl-2282	4	5	society	society	NOUN
cjrl-2282	4	6	,	,	PUNCT
cjrl-2282	4	7	including	include	VERB
cjrl-2282	4	8	its	its	PRON
cjrl-2282	4	9	legal	legal	ADJ
cjrl-2282	4	10	system	system	NOUN
cjrl-2282	4	11	,	,	PUNCT
cjrl-2282	4	12	operate	operate	VERB
cjrl-2282	4	13	to	to	ADP
cjrl-2282	4	14	the	the	DET
cjrl-2282	4	15	disadvantage	disadvantage	NOUN
cjrl-2282	4	16	of	of	ADP
cjrl-2282	4	17	minorities	minority	NOUN
cjrl-2282	4	18	.	.	PUNCT
cjrl-2282	5	1	obvious	obvious	ADJ
cjrl-2282	5	2	examples	example	NOUN
cjrl-2282	5	3	include	include	VERB
cjrl-2282	5	4	inequities	inequity	NOUN
cjrl-2282	5	5	in	in	ADP
cjrl-2282	5	6	our	our	PRON
cjrl-2282	5	7	criminal	criminal	ADJ
cjrl-2282	5	8	justice	justice	NOUN
cjrl-2282	5	9	system	system	NOUN
cjrl-2282	5	10	and	and	CCONJ
cjrl-2282	5	11	in	in	ADP
cjrl-2282	5	12	school	school	NOUN
cjrl-2282	5	13	funding	funding	NOUN
cjrl-2282	5	14	.	.	PUNCT
cjrl-2282	6	1	much	much	ADJ
cjrl-2282	6	2	has	have	AUX
cjrl-2282	6	3	been	be	AUX
cjrl-2282	6	4	written	write	VERB
cjrl-2282	6	5	on	on	ADP
cjrl-2282	6	6	those	those	PRON
cjrl-2282	6	7	and	and	CCONJ
cjrl-2282	6	8	other	other	ADJ
cjrl-2282	6	9	topics	topic	NOUN
cjrl-2282	6	10	.	.	PUNCT
cjrl-2282	7	1	this	this	DET
cjrl-2282	7	2	article	article	NOUN
cjrl-2282	7	3	focuses	focus	VERB
cjrl-2282	7	4	on	on	ADP
cjrl-2282	7	5	another	another	DET
cjrl-2282	7	6	example	example	NOUN
cjrl-2282	7	7	,	,	PUNCT
cjrl-2282	7	8	specifically	specifically	ADV
cjrl-2282	7	9	on	on	ADP
cjrl-2282	7	10	how	how	SCONJ
cjrl-2282	7	11	a	a	DET
cjrl-2282	7	12	sweeping	sweeping	ADJ
cjrl-2282	7	13	change	change	NOUN
cjrl-2282	7	14	to	to	ADP
cjrl-2282	7	15	an	an	DET
cjrl-2282	7	16	obscure	obscure	ADJ
cjrl-2282	7	17	banking	banking	NOUN
cjrl-2282	7	18	rule	rule	NOUN
cjrl-2282	7	19	regulating	regulate	VERB
cjrl-2282	7	20	the	the	DET
cjrl-2282	7	21	check	check	NOUN
cjrl-2282	7	22	collection	collection	NOUN
cjrl-2282	7	23	process	process	NOUN
cjrl-2282	7	24	has	have	AUX
cjrl-2282	7	25	negatively	negatively	ADV
cjrl-2282	7	26	affected	affect	VERB
cjrl-2282	7	27	consumers	consumer	NOUN
cjrl-2282	7	28	in	in	ADP
cjrl-2282	7	29	general	general	ADJ
cjrl-2282	7	30	,	,	PUNCT
cjrl-2282	7	31	and	and	CCONJ
cjrl-2282	7	32	minority	minority	NOUN
cjrl-2282	7	33	groups	group	NOUN
cjrl-2282	7	34	in	in	ADP
cjrl-2282	7	35	particular	particular	ADJ
cjrl-2282	7	36	.	.	PUNCT
cjrl-2282	8	1	u.s	u.s	PROPN
cjrl-2282	8	2	.	.	PROPN
cjrl-2282	8	3	check	check	NOUN
cjrl-2282	8	4	collections	collection	NOUN
cjrl-2282	8	5	require	require	VERB
cjrl-2282	8	6	a	a	DET
cjrl-2282	8	7	complex	complex	ADJ
cjrl-2282	8	8	system	system	NOUN
cjrl-2282	8	9	comprised	comprise	VERB
cjrl-2282	8	10	of	of	ADP
cjrl-2282	8	11	a	a	DET
cjrl-2282	8	12	variety	variety	NOUN
cjrl-2282	8	13	of	of	ADP
cjrl-2282	8	14	institutions	institution	NOUN
cjrl-2282	8	15	including	include	VERB
cjrl-2282	8	16	commercial	commercial	ADJ
cjrl-2282	8	17	banks	bank	NOUN
cjrl-2282	8	18	,	,	PUNCT
cjrl-2282	8	19	savings	saving	NOUN
cjrl-2282	8	20	and	and	CCONJ
cjrl-2282	8	21	loans	loan	NOUN
cjrl-2282	8	22	,	,	PUNCT
cjrl-2282	8	23	savings	saving	NOUN
cjrl-2282	8	24	banks	bank	NOUN
cjrl-2282	8	25	,	,	PUNCT
cjrl-2282	8	26	and	and	CCONJ
cjrl-2282	8	27	credit	credit	NOUN
cjrl-2282	8	28	unions	union	NOUN
cjrl-2282	8	29	,	,	PUNCT
cjrl-2282	8	30	as	as	ADV
cjrl-2282	8	31	well	well	ADV
cjrl-2282	8	32	as	as	ADP
cjrl-2282	8	33	the	the	DET
cjrl-2282	8	34	customers	customer	NOUN
cjrl-2282	8	35	who	who	PRON
cjrl-2282	8	36	rely	rely	VERB
cjrl-2282	8	37	upon	upon	SCONJ
cjrl-2282	8	38	them	they	PRON
cjrl-2282	8	39	to	to	PART
cjrl-2282	8	40	collect	collect	VERB
cjrl-2282	8	41	payments	payment	NOUN
cjrl-2282	8	42	from	from	ADP
cjrl-2282	8	43	far	far	ADV
cjrl-2282	8	44	and	and	CCONJ
cjrl-2282	8	45	near	near	ADJ
cjrl-2282	8	46	.	.	PUNCT
cjrl-2282	9	1	traditionally	traditionally	ADV
cjrl-2282	9	2	,	,	PUNCT
cjrl-2282	9	3	the	the	DET
cjrl-2282	9	4	check	check	NOUN
cjrl-2282	9	5	collection	collection	NOUN
cjrl-2282	9	6	process	process	NOUN
cjrl-2282	9	7	,	,	PUNCT
cjrl-2282	9	8	including	include	VERB
cjrl-2282	9	9	the	the	DET
cjrl-2282	9	10	timing	timing	NOUN
cjrl-2282	9	11	rules	rule	NOUN
cjrl-2282	9	12	under	under	ADP
cjrl-2282	9	13	u.c.c	u.c.c	NOUN
cjrl-2282	9	14	.	.	PUNCT
cjrl-2282	10	1	article	article	PROPN
cjrl-2282	10	2	four	four	NUM
cjrl-2282	10	3	,	,	PUNCT
cjrl-2282	10	4	was	be	AUX
cjrl-2282	10	5	inherently	inherently	ADV
cjrl-2282	10	6	cumbersome	cumbersome	ADJ
cjrl-2282	10	7	and	and	CCONJ
cjrl-2282	10	8	slow	slow	ADJ
cjrl-2282	10	9	to	to	PART
cjrl-2282	10	10	honor	honor	VERB
cjrl-2282	10	11	the	the	DET
cjrl-2282	10	12	payee	payee	NOUN
cjrl-2282	10	13	’s	’s	PART
cjrl-2282	10	14	right	right	NOUN
cjrl-2282	10	15	to	to	PART
cjrl-2282	10	16	receive	receive	VERB
cjrl-2282	10	17	immediate	immediate	ADJ
cjrl-2282	10	18	payment	payment	NOUN
cjrl-2282	10	19	of	of	ADP
cjrl-2282	10	20	funds	fund	NOUN
cjrl-2282	10	21	from	from	ADP
cjrl-2282	10	22	the	the	DET
cjrl-2282	10	23	paying	pay	VERB
cjrl-2282	10	24	bank	bank	NOUN
cjrl-2282	10	25	.	.	PUNCT
cjrl-2282	11	1	frustration	frustration	NOUN
cjrl-2282	11	2	among	among	ADP
cjrl-2282	11	3	payees	payee	NOUN
cjrl-2282	11	4	,	,	PUNCT
cjrl-2282	11	5	which	which	PRON
cjrl-2282	11	6	grew	grow	VERB
cjrl-2282	11	7	due	due	ADJ
cjrl-2282	11	8	to	to	ADP
cjrl-2282	11	9	not	not	PART
cjrl-2282	11	10	having	have	VERB
cjrl-2282	11	11	their	their	PRON
cjrl-2282	11	12	funds	fund	NOUN
cjrl-2282	11	13	available	available	ADJ
cjrl-2282	11	14	fast	fast	ADV
cjrl-2282	11	15	enough	enough	ADV
cjrl-2282	11	16	because	because	SCONJ
cjrl-2282	11	17	of	of	ADP
cjrl-2282	11	18	delays	delay	NOUN
cjrl-2282	11	19	that	that	PRON
cjrl-2282	11	20	were	be	AUX
cjrl-2282	11	21	inherent	inherent	ADJ
cjrl-2282	11	22	within	within	ADP
cjrl-2282	11	23	the	the	DET
cjrl-2282	11	24	system	system	NOUN
cjrl-2282	11	25	,	,	PUNCT
cjrl-2282	11	26	led	lead	VERB
cjrl-2282	11	27	lawmakers	lawmaker	NOUN
cjrl-2282	11	28	and	and	CCONJ
cjrl-2282	11	29	others	other	NOUN
cjrl-2282	11	30	to	to	PART
cjrl-2282	11	31	reform	reform	VERB
cjrl-2282	11	32	the	the	DET
cjrl-2282	11	33	check	check	NOUN
cjrl-2282	11	34	collection	collection	NOUN
cjrl-2282	11	35	timing	timing	NOUN
cjrl-2282	11	36	rules	rule	NOUN
cjrl-2282	11	37	..	..	PUNCT
cjrl-2282	12	1	it	it	PRON
cjrl-2282	12	2	has	have	AUX
cjrl-2282	12	3	now	now	ADV
cjrl-2282	12	4	been	be	AUX
cjrl-2282	12	5	more	more	ADJ
cjrl-2282	12	6	than	than	ADP
cjrl-2282	12	7	twenty	twenty	NUM
cjrl-2282	12	8	years	year	NOUN
cjrl-2282	12	9	since	since	SCONJ
cjrl-2282	12	10	congress	congress	PROPN
cjrl-2282	12	11	passed	pass	VERB
cjrl-2282	12	12	the	the	DET
cjrl-2282	12	13	expedited	expedite	VERB
cjrl-2282	12	14	funds	fund	NOUN
cjrl-2282	12	15	availability	availability	NOUN
cjrl-2282	12	16	act	act	NOUN
cjrl-2282	12	17	(	(	PUNCT
cjrl-2282	12	18	efaa	efaa	PROPN
cjrl-2282	12	19	)	)	PUNCT
cjrl-2282	12	20	,	,	PUNCT
cjrl-2282	12	21	which	which	PRON
cjrl-2282	12	22	empowered	empower	VERB
cjrl-2282	12	23	the	the	DET
cjrl-2282	12	24	federal	federal	PROPN
cjrl-2282	12	25	reserve	reserve	PROPN
cjrl-2282	12	26	board	board	PROPN
cjrl-2282	12	27	of	of	ADP
cjrl-2282	12	28	governors	governor	NOUN
cjrl-2282	12	29	to	to	PART
cjrl-2282	12	30	regulate	regulate	VERB
cjrl-2282	12	31	the	the	DET
cjrl-2282	12	32	speed	speed	NOUN
cjrl-2282	12	33	with	with	ADP
cjrl-2282	12	34	which	which	PRON
cjrl-2282	12	35	commercial	commercial	ADJ
cjrl-2282	12	36	banks	bank	NOUN
cjrl-2282	12	37	are	be	AUX
cjrl-2282	12	38	required	require	VERB
cjrl-2282	12	39	to	to	PART
cjrl-2282	12	40	make	make	VERB
cjrl-2282	12	41	funds	fund	NOUN
cjrl-2282	12	42	available	available	ADJ
cjrl-2282	12	43	to	to	ADP
cjrl-2282	12	44	depositors	depositor	NOUN
cjrl-2282	12	45	after	after	SCONJ
cjrl-2282	12	46	their	their	PRON
cjrl-2282	12	47	checks	check	NOUN
cjrl-2282	12	48	were	be	AUX
cjrl-2282	12	49	deposited	deposit	VERB
cjrl-2282	12	50	for	for	ADP
cjrl-2282	12	51	collection	collection	NOUN
cjrl-2282	12	52	.	.	PUNCT
cjrl-2282	13	1	there	there	PRON
cjrl-2282	13	2	is	be	VERB
cjrl-2282	13	3	evidence	evidence	NOUN
cjrl-2282	13	4	,	,	PUNCT
cjrl-2282	13	5	however	however	ADV
cjrl-2282	13	6	,	,	PUNCT
cjrl-2282	13	7	that	that	SCONJ
cjrl-2282	13	8	these	these	DET
cjrl-2282	13	9	reforms	reform	NOUN
cjrl-2282	13	10	have	have	AUX
cjrl-2282	13	11	had	have	VERB
cjrl-2282	13	12	an	an	DET
cjrl-2282	13	13	negative	negative	ADJ
cjrl-2282	13	14	impact	impact	NOUN
cjrl-2282	13	15	on	on	ADP
cjrl-2282	13	16	checking	check	VERB
cjrl-2282	13	17	account	account	NOUN
cjrl-2282	13	18	customers	customer	NOUN
cjrl-2282	13	19	as	as	ADP
cjrl-2282	13	20	a	a	DET
cjrl-2282	13	21	whole	whole	NOUN
cjrl-2282	13	22	,	,	PUNCT
cjrl-2282	13	23	but	but	CCONJ
cjrl-2282	13	24	in	in	ADP
cjrl-2282	13	25	particular	particular	ADJ
cjrl-2282	13	26	,	,	PUNCT
cjrl-2282	13	27	a	a	DET
cjrl-2282	13	28	disproportionate	disproportionate	ADJ
cjrl-2282	13	29	impact	impact	NOUN
cjrl-2282	13	30	on	on	ADP
cjrl-2282	13	31	minority	minority	NOUN
cjrl-2282	13	32	communities	community	NOUN
cjrl-2282	13	33	.	.	PUNCT
cjrl-2282	14	1	specifically	specifically	ADV
cjrl-2282	14	2	,	,	PUNCT
cjrl-2282	14	3	by	by	ADP
cjrl-2282	14	4	reducing	reduce	VERB
cjrl-2282	14	5	the	the	DET
cjrl-2282	14	6	maximum	maximum	ADJ
cjrl-2282	14	7	amount	amount	NOUN
cjrl-2282	14	8	of	of	ADP
cjrl-2282	14	9	waiting	waiting	NOUN
cjrl-2282	14	10	time	time	NOUN
cjrl-2282	14	11	between	between	ADP
cjrl-2282	14	12	the	the	DET
cjrl-2282	14	13	date	date	NOUN
cjrl-2282	14	14	of	of	ADP
cjrl-2282	14	15	deposit	deposit	NOUN
cjrl-2282	14	16	and	and	CCONJ
cjrl-2282	14	17	the	the	DET
cjrl-2282	14	18	date	date	NOUN
cjrl-2282	14	19	when	when	SCONJ
cjrl-2282	14	20	funds	fund	NOUN
cjrl-2282	14	21	are	be	AUX
cjrl-2282	14	22	available	available	ADJ
cjrl-2282	14	23	to	to	PART
cjrl-2282	14	24	deposit	deposit	VERB
cjrl-2282	14	25	customers	customer	NOUN
cjrl-2282	14	26	,	,	PUNCT
cjrl-2282	14	27	the	the	DET
cjrl-2282	14	28	reforms	reform	NOUN
cjrl-2282	14	29	also	also	ADV
cjrl-2282	14	30	reduced	reduce	VERB
cjrl-2282	14	31	the	the	DET
cjrl-2282	14	32	time	time	NOUN
cjrl-2282	14	33	that	that	PRON
cjrl-2282	14	34	the	the	DET
cjrl-2282	14	35	funds	fund	NOUN
cjrl-2282	14	36	were	be	AUX
cjrl-2282	14	37	available	available	ADJ
cjrl-2282	14	38	to	to	ADP
cjrl-2282	14	39	the	the	DET
cjrl-2282	14	40	check	check	NOUN
cjrl-2282	14	41	-	-	PUNCT
cjrl-2282	14	42	issuing	issue	VERB
cjrl-2282	14	43	consumer	consumer	NOUN
cjrl-2282	14	44	.	.	PUNCT
cjrl-2282	15	1	thus	thus	ADV
cjrl-2282	15	2	,	,	PUNCT
cjrl-2282	15	3	in	in	ADP
cjrl-2282	15	4	every	every	DET
cjrl-2282	15	5	checking	checking	ADJ
cjrl-2282	15	6	transaction	transaction	NOUN
cjrl-2282	15	7	,	,	PUNCT
cjrl-2282	15	8	checking	check	VERB
cjrl-2282	15	9	account	account	NOUN
cjrl-2282	15	10	customers	customer	NOUN
cjrl-2282	15	11	lost	lose	VERB
cjrl-2282	15	12	the	the	DET
cjrl-2282	15	13	benefit	benefit	NOUN
cjrl-2282	15	14	of	of	ADP
cjrl-2282	15	15	the	the	DET
cjrl-2282	15	16	float	float	NOUN
cjrl-2282	15	17	that	that	PRON
cjrl-2282	15	18	was	be	AUX
cjrl-2282	15	19	built	build	VERB
cjrl-2282	15	20	into	into	ADP
cjrl-2282	15	21	every	every	DET
cjrl-2282	15	22	transaction	transaction	NOUN
cjrl-2282	15	23	under	under	ADP
cjrl-2282	15	24	the	the	DET
cjrl-2282	15	25	traditional	traditional	ADJ
cjrl-2282	15	26	u.c.c	u.c.c	NOUN
cjrl-2282	15	27	.	.	PUNCT
cjrl-2282	15	28	rules	rule	NOUN
cjrl-2282	15	29	.	.	PUNCT
cjrl-2282	16	1	it	it	PRON
cjrl-2282	16	2	is	be	AUX
cjrl-2282	16	3	my	my	PRON
cjrl-2282	16	4	thesis	thesis	NOUN
cjrl-2282	16	5	,	,	PUNCT
cjrl-2282	16	6	therefore	therefore	ADV
cjrl-2282	16	7	,	,	PUNCT
cjrl-2282	16	8	that	that	SCONJ
cjrl-2282	16	9	recent	recent	ADJ
cjrl-2282	16	10	reforms	reform	NOUN
cjrl-2282	16	11	in	in	ADP
cjrl-2282	16	12	the	the	DET
cjrl-2282	16	13	timing	timing	NOUN
cjrl-2282	16	14	rules	rule	NOUN
cjrl-2282	16	15	that	that	PRON
cjrl-2282	16	16	regulate	regulate	VERB
cjrl-2282	16	17	the	the	DET
cjrl-2282	16	18	speed	speed	NOUN
cjrl-2282	16	19	of	of	ADP
cjrl-2282	16	20	the	the	DET
cjrl-2282	16	21	check	check	NOUN
cjrl-2282	16	22	collection	collection	NOUN
cjrl-2282	16	23	process	process	NOUN
cjrl-2282	16	24	have	have	AUX
cjrl-2282	16	25	indeed	indeed	ADV
cjrl-2282	16	26	reduced	reduce	VERB
cjrl-2282	16	27	the	the	DET
cjrl-2282	16	28	wait	wait	NOUN
cjrl-2282	16	29	time	time	NOUN
cjrl-2282	16	30	for	for	SCONJ
cjrl-2282	16	31	funds	fund	NOUN
cjrl-2282	16	32	to	to	PART
cjrl-2282	16	33	be	be	AUX
cjrl-2282	16	34	available	available	ADJ
cjrl-2282	16	35	,	,	PUNCT
cjrl-2282	16	36	but	but	CCONJ
cjrl-2282	16	37	have	have	AUX
cjrl-2282	16	38	also	also	ADV
cjrl-2282	16	39	resulted	result	VERB
cjrl-2282	16	40	in	in	ADP
cjrl-2282	16	41	increases	increase	NOUN
cjrl-2282	16	42	in	in	ADP
cjrl-2282	16	43	the	the	DET
cjrl-2282	16	44	appetite	appetite	NOUN
cjrl-2282	16	45	for	for	ADP
cjrl-2282	16	46	various	various	ADJ
cjrl-2282	16	47	risky	risky	ADJ
cjrl-2282	16	48	cash	cash	NOUN
cjrl-2282	16	49	management	management	NOUN
cjrl-2282	16	50	alternatives	alternative	NOUN
cjrl-2282	16	51	by	by	ADP
cjrl-2282	16	52	consumers	consumer	NOUN
cjrl-2282	16	53	to	to	PART
cjrl-2282	16	54	obtain	obtain	VERB
cjrl-2282	16	55	the	the	DET
cjrl-2282	16	56	money	money	NOUN
cjrl-2282	16	57	that	that	PRON
cjrl-2282	16	58	under	under	ADP
cjrl-2282	16	59	old	old	ADJ
cjrl-2282	16	60	timing	timing	NOUN
cjrl-2282	16	61	rules	rule	NOUN
cjrl-2282	16	62	would	would	AUX
cjrl-2282	16	63	stay	stay	VERB
cjrl-2282	16	64	in	in	ADP
cjrl-2282	16	65	their	their	PRON
cjrl-2282	16	66	deposit	deposit	NOUN
cjrl-2282	16	67	accounts	account	NOUN
cjrl-2282	16	68	for	for	ADP
cjrl-2282	16	69	a	a	DET
cjrl-2282	16	70	longer	long	ADJ
cjrl-2282	16	71	period	period	NOUN
cjrl-2282	16	72	.	.	PUNCT
cjrl-2282	17	1	put	put	VERB
cjrl-2282	17	2	another	another	DET
cjrl-2282	17	3	*	*	PUNCT
cjrl-2282	17	4	professor	professor	NOUN
cjrl-2282	17	5	of	of	ADP
cjrl-2282	17	6	law	law	NOUN
cjrl-2282	17	7	,	,	PUNCT
cjrl-2282	17	8	the	the	DET
cjrl-2282	17	9	john	john	PROPN
cjrl-2282	17	10	marshall	marshall	PROPN
cjrl-2282	17	11	law	law	PROPN
cjrl-2282	17	12	school	school	PROPN
cjrl-2282	17	13	,	,	PUNCT
cjrl-2282	17	14	chicago	chicago	PROPN
cjrl-2282	17	15	,	,	PUNCT
cjrl-2282	17	16	illinois	illinois	PROPN
cjrl-2282	17	17	.	.	PROPN
cjrl-2282	17	18	northwestern	northwestern	PROPN
cjrl-2282	17	19	university	university	PROPN
cjrl-2282	17	20	,	,	PUNCT
cjrl-2282	17	21	j.d	j.d	PROPN
cjrl-2282	17	22	.	.	PROPN
cjrl-2282	17	23	/m.b.a	/m.b.a	PUNCT
cjrl-2282	17	24	.	.	PUNCT
cjrl-2282	18	1	to	to	ADP
cjrl-2282	18	2	the	the	DET
cjrl-2282	18	3	following	follow	VERB
cjrl-2282	18	4	people	people	NOUN
cjrl-2282	18	5	and	and	CCONJ
cjrl-2282	18	6	institutions	institution	NOUN
cjrl-2282	18	7	:	:	PUNCT
cjrl-2282	18	8	the	the	DET
cjrl-2282	18	9	john	john	PROPN
cjrl-2282	18	10	marshall	marshall	PROPN
cjrl-2282	18	11	law	law	PROPN
cjrl-2282	18	12	school	school	NOUN
cjrl-2282	18	13	faculty	faculty	NOUN
cjrl-2282	18	14	scholarship	scholarship	NOUN
cjrl-2282	18	15	research	research	NOUN
cjrl-2282	18	16	grant	grant	NOUN
cjrl-2282	18	17	;	;	PUNCT
cjrl-2282	18	18	the	the	DET
cjrl-2282	18	19	midwest	midw	ADJ
cjrl-2282	18	20	people	people	NOUN
cjrl-2282	18	21	of	of	ADP
cjrl-2282	18	22	color	color	ADJ
cjrl-2282	18	23	legal	legal	ADJ
cjrl-2282	18	24	scholarship	scholarship	NOUN
cjrl-2282	18	25	conference	conference	PROPN
cjrl-2282	18	26	,	,	PUNCT
cjrl-2282	18	27	inc	inc	PROPN
cjrl-2282	18	28	.	.	PROPN
cjrl-2282	18	29	;	;	PUNCT
cjrl-2282	18	30	the	the	DET
cjrl-2282	18	31	society	society	NOUN
cjrl-2282	18	32	of	of	ADP
cjrl-2282	18	33	american	american	PROPN
cjrl-2282	18	34	law	law	NOUN
cjrl-2282	18	35	schools	school	NOUN
cjrl-2282	18	36	;	;	PUNCT
cjrl-2282	18	37	my	my	PRON
cjrl-2282	18	38	colleagues	colleague	NOUN
cjrl-2282	18	39	,	,	PUNCT
cjrl-2282	18	40	prof	prof	PROPN
cjrl-2282	18	41	.	.	PUNCT
cjrl-2282	19	1	kevin	kevin	PROPN
cjrl-2282	19	2	l.	l.	PROPN
cjrl-2282	19	3	hopkins	hopkins	PROPN
cjrl-2282	19	4	(	(	PUNCT
cjrl-2282	19	5	john	john	PROPN
cjrl-2282	19	6	marshall	marshall	PROPN
cjrl-2282	19	7	)	)	PUNCT
cjrl-2282	19	8	,	,	PUNCT
cjrl-2282	19	9	prof	prof	PROPN
cjrl-2282	19	10	.	.	PUNCT
cjrl-2282	20	1	linda	linda	PROPN
cjrl-2282	20	2	s.	s.	PROPN
cjrl-2282	20	3	greene	greene	PROPN
cjrl-2282	20	4	(	(	PUNCT
cjrl-2282	20	5	wisconsin	wisconsin	PROPN
cjrl-2282	20	6	-	-	PUNCT
cjrl-2282	20	7	madison	madison	PROPN
cjrl-2282	20	8	)	)	PUNCT
cjrl-2282	20	9	,	,	PUNCT
cjrl-2282	20	10	;	;	PUNCT
cjrl-2282	20	11	my	my	PRON
cjrl-2282	20	12	research	research	NOUN
cjrl-2282	20	13	assistants	assistant	NOUN
cjrl-2282	20	14	,	,	PUNCT
cjrl-2282	20	15	in	in	ADP
cjrl-2282	20	16	yung	yung	PROPN
cjrl-2282	20	17	yi	yi	PROPN
cjrl-2282	20	18	,	,	PUNCT
cjrl-2282	20	19	christopher	christopher	PROPN
cjrl-2282	20	20	ehresman	ehresman	PROPN
cjrl-2282	20	21	,	,	PUNCT
cjrl-2282	20	22	jeffrey	jeffrey	PROPN
cjrl-2282	20	23	gaster	gaster	PROPN
cjrl-2282	20	24	,	,	PUNCT
cjrl-2282	20	25	stephanie	stephanie	PROPN
cjrl-2282	20	26	day	day	NOUN
cjrl-2282	20	27	and	and	CCONJ
cjrl-2282	20	28	the	the	DET
cjrl-2282	20	29	student	student	NOUN
cjrl-2282	20	30	editors	editor	NOUN
cjrl-2282	20	31	of	of	ADP
cjrl-2282	20	32	the	the	DET
cjrl-2282	20	33	columbia	columbia	PROPN
cjrl-2282	20	34	journal	journal	PROPN
cjrl-2282	20	35	of	of	ADP
cjrl-2282	20	36	race	race	NOUN
cjrl-2282	20	37	and	and	CCONJ
cjrl-2282	20	38	law	law	NOUN
cjrl-2282	20	39	.	.	PUNCT
cjrl-2282	21	1	74	74	NUM
cjrl-2282	21	2	checking	check	VERB
cjrl-2282	21	3	out	out	ADP
cjrl-2282	21	4	the	the	DET
cjrl-2282	21	5	exception	exception	NOUN
cjrl-2282	21	6	to	to	ADP
cjrl-2282	21	7	3	3	NUM
cjrl-2282	21	8	-	-	SYM
cjrl-2282	21	9	104	104	NUM
cjrl-2282	21	10	vol	vol	NOUN
cjrl-2282	21	11	.	.	PUNCT
cjrl-2282	21	12	3:1	3:1	NUM
cjrl-2282	21	13	way	way	NOUN
cjrl-2282	21	14	,	,	PUNCT
cjrl-2282	21	15	consumers	consumer	NOUN
cjrl-2282	21	16	who	who	PRON
cjrl-2282	21	17	issued	issue	VERB
cjrl-2282	21	18	checks	check	NOUN
cjrl-2282	21	19	liked	like	VERB
cjrl-2282	21	20	float	float	VERB
cjrl-2282	21	21	,	,	PUNCT
cjrl-2282	21	22	too	too	ADV
cjrl-2282	21	23	!	!	PUNCT
cjrl-2282	22	1	to	to	PART
cjrl-2282	22	2	address	address	VERB
cjrl-2282	22	3	this	this	DET
cjrl-2282	22	4	problem	problem	NOUN
cjrl-2282	22	5	,	,	PUNCT
cjrl-2282	22	6	i	i	PRON
cjrl-2282	22	7	will	will	AUX
cjrl-2282	22	8	propose	propose	VERB
cjrl-2282	22	9	two	two	NUM
cjrl-2282	22	10	recommendations	recommendation	NOUN
cjrl-2282	22	11	that	that	PRON
cjrl-2282	22	12	can	can	AUX
cjrl-2282	22	13	provide	provide	VERB
cjrl-2282	22	14	a	a	DET
cjrl-2282	22	15	remedy	remedy	NOUN
cjrl-2282	22	16	for	for	ADP
cjrl-2282	22	17	consumers	consumer	NOUN
cjrl-2282	22	18	,	,	PUNCT
cjrl-2282	22	19	at	at	ADP
cjrl-2282	22	20	their	their	PRON
cjrl-2282	22	21	option	option	NOUN
cjrl-2282	22	22	.	.	PUNCT
cjrl-2282	23	1	first	first	ADV
cjrl-2282	23	2	,	,	PUNCT
cjrl-2282	23	3	that	that	SCONJ
cjrl-2282	23	4	the	the	DET
cjrl-2282	23	5	definition	definition	NOUN
cjrl-2282	23	6	of	of	ADP
cjrl-2282	23	7	“	"	PUNCT
cjrl-2282	23	8	check	check	NOUN
cjrl-2282	23	9	”	"	PUNCT
cjrl-2282	23	10	should	should	AUX
cjrl-2282	23	11	be	be	AUX
cjrl-2282	23	12	changed	change	VERB
cjrl-2282	23	13	under	under	ADP
cjrl-2282	23	14	both	both	CCONJ
cjrl-2282	23	15	state	state	NOUN
cjrl-2282	23	16	and	and	CCONJ
cjrl-2282	23	17	federal	federal	ADJ
cjrl-2282	23	18	commercial	commercial	ADJ
cjrl-2282	23	19	law	law	NOUN
cjrl-2282	23	20	to	to	PART
cjrl-2282	23	21	remove	remove	VERB
cjrl-2282	23	22	the	the	DET
cjrl-2282	23	23	limitation	limitation	NOUN
cjrl-2282	23	24	that	that	PRON
cjrl-2282	23	25	all	all	DET
cjrl-2282	23	26	checks	check	NOUN
cjrl-2282	23	27	are	be	AUX
cjrl-2282	23	28	due	due	ADJ
cjrl-2282	23	29	on	on	ADP
cjrl-2282	23	30	demand	demand	NOUN
cjrl-2282	23	31	.	.	PUNCT
cjrl-2282	24	1	second	second	ADJ
cjrl-2282	24	2	,	,	PUNCT
cjrl-2282	24	3	i	i	PRON
cjrl-2282	24	4	propose	propose	VERB
cjrl-2282	24	5	that	that	SCONJ
cjrl-2282	24	6	the	the	DET
cjrl-2282	24	7	federal	federal	ADJ
cjrl-2282	24	8	check	check	NOUN
cjrl-2282	24	9	collection	collection	NOUN
cjrl-2282	24	10	timing	timing	NOUN
cjrl-2282	24	11	rules	rule	NOUN
cjrl-2282	24	12	should	should	AUX
cjrl-2282	24	13	be	be	AUX
cjrl-2282	24	14	amended	amend	VERB
cjrl-2282	24	15	to	to	PART
cjrl-2282	24	16	require	require	VERB
cjrl-2282	24	17	banks	bank	NOUN
cjrl-2282	24	18	to	to	PART
cjrl-2282	24	19	honor	honor	VERB
cjrl-2282	24	20	checks	check	NOUN
cjrl-2282	24	21	that	that	PRON
cjrl-2282	24	22	are	be	AUX
cjrl-2282	24	23	payable	payable	ADJ
cjrl-2282	24	24	on	on	ADP
cjrl-2282	24	25	a	a	DET
cjrl-2282	24	26	definite	definite	ADJ
cjrl-2282	24	27	due	due	ADJ
cjrl-2282	24	28	date	date	NOUN
cjrl-2282	24	29	just	just	ADV
cjrl-2282	24	30	as	as	SCONJ
cjrl-2282	24	31	they	they	PRON
cjrl-2282	24	32	honor	honor	VERB
cjrl-2282	24	33	those	those	PRON
cjrl-2282	24	34	that	that	PRON
cjrl-2282	24	35	are	be	AUX
cjrl-2282	24	36	payable	payable	ADJ
cjrl-2282	24	37	on	on	ADP
cjrl-2282	24	38	demand	demand	NOUN
cjrl-2282	24	39	.	.	PUNCT
cjrl-2282	25	1	i.	i.	PROPN
cjrl-2282	25	2	introduction	introduction	NOUN
cjrl-2282	25	3	……	……	NOUN
cjrl-2282	25	4	……	……	NOUN
cjrl-2282	25	5	……	……	NOUN
cjrl-2282	25	6	……	……	NOUN
cjrl-2282	25	7	……	……	NOUN
cjrl-2282	25	8	……	……	NOUN
cjrl-2282	25	9	……	……	NOUN
cjrl-2282	25	10	……	……	NOUN
cjrl-2282	25	11	……	……	NOUN
cjrl-2282	25	12	……	……	NOUN
cjrl-2282	25	13	……	……	NOUN
cjrl-2282	25	14	....	....	PUNCT
cjrl-2282	25	15	75	75	NUM
cjrl-2282	25	16	ii	ii	NOUN
cjrl-2282	25	17	.	.	PUNCT
cjrl-2282	25	18	overview	overview	NOUN
cjrl-2282	25	19	of	of	ADP
cjrl-2282	25	20	pre	pre	ADJ
cjrl-2282	25	21	-	-	ADJ
cjrl-2282	25	22	reform	reform	ADJ
cjrl-2282	25	23	system	system	NOUN
cjrl-2282	25	24	of	of	ADP
cjrl-2282	25	25	check	check	NOUN
cjrl-2282	25	26	collections	collection	NOUN
cjrl-2282	25	27	,	,	PUNCT
cjrl-2282	25	28	including	include	VERB
cjrl-2282	25	29	midnight	midnight	NOUN
cjrl-2282	25	30	deadline	deadline	NOUN
cjrl-2282	25	31	timing	timing	NOUN
cjrl-2282	25	32	rule	rule	NOUN
cjrl-2282	25	33	……	……	NOUN
cjrl-2282	25	34	……	……	NOUN
cjrl-2282	25	35	……	……	NOUN
cjrl-2282	25	36	..	..	PUNCT
cjrl-2282	25	37	75	75	NUM
cjrl-2282	25	38	iii	iii	NOUN
cjrl-2282	25	39	.	.	PUNCT
cjrl-2282	25	40	federal	federal	ADJ
cjrl-2282	25	41	intervention	intervention	NOUN
cjrl-2282	25	42	and	and	CCONJ
cjrl-2282	25	43	reform	reform	NOUN
cjrl-2282	25	44	initiatives	initiative	NOUN
cjrl-2282	25	45	……	……	NOUN
cjrl-2282	25	46	……	……	NOUN
cjrl-2282	25	47	..	..	PUNCT
cjrl-2282	25	48	78	78	NUM
cjrl-2282	25	49	a.	a.	NOUN
cjrl-2282	25	50	the	the	DET
cjrl-2282	25	51	expedited	expedite	VERB
cjrl-2282	25	52	funds	fund	NOUN
cjrl-2282	25	53	availability	availability	NOUN
cjrl-2282	25	54	act	act	NOUN
cjrl-2282	25	55	and	and	CCONJ
cjrl-2282	25	56	regulation	regulation	NOUN
cjrl-2282	25	57	cc	cc	VERB
cjrl-2282	25	58	……	……	NOUN
cjrl-2282	25	59	……	……	NOUN
cjrl-2282	25	60	.	.	PUNCT
cjrl-2282	25	61	79	79	NUM
cjrl-2282	25	62	b.	b.	NOUN
cjrl-2282	25	63	check	check	NOUN
cjrl-2282	25	64	21	21	NUM
cjrl-2282	25	65	……	……	NOUN
cjrl-2282	25	66	……	……	NOUN
cjrl-2282	25	67	……	……	NOUN
cjrl-2282	25	68	……	……	NOUN
cjrl-2282	25	69	……	……	NOUN
cjrl-2282	25	70	……	……	NOUN
cjrl-2282	25	71	……	……	NOUN
cjrl-2282	25	72	……	……	NOUN
cjrl-2282	25	73	……	……	NOUN
cjrl-2282	25	74	……	……	NOUN
cjrl-2282	25	75	……	……	NOUN
cjrl-2282	25	76	……	……	NOUN
cjrl-2282	25	77	..	..	SYM
cjrl-2282	25	78	80	80	NUM
cjrl-2282	25	79	c.	c.	NOUN
cjrl-2282	25	80	the	the	DET
cjrl-2282	25	81	regulation	regulation	NOUN
cjrl-2282	25	82	cc	cc	NOUN
cjrl-2282	25	83	/	/	SYM
cjrl-2282	25	84	check	check	NOUN
cjrl-2282	25	85	21	21	NUM
cjrl-2282	25	86	interface	interface	NOUN
cjrl-2282	25	87	……	……	NOUN
cjrl-2282	25	88	……	……	NOUN
cjrl-2282	25	89	……	……	NOUN
cjrl-2282	25	90	……	……	NOUN
cjrl-2282	25	91	……	……	NOUN
cjrl-2282	25	92	……	……	NOUN
cjrl-2282	25	93	81	81	NUM
cjrl-2282	25	94	iv	iv	NUM
cjrl-2282	25	95	.	.	PUNCT
cjrl-2282	25	96	consequences	consequence	NOUN
cjrl-2282	25	97	of	of	ADP
cjrl-2282	25	98	federal	federal	ADJ
cjrl-2282	25	99	regulatory	regulatory	ADJ
cjrl-2282	25	100	reform	reform	NOUN
cjrl-2282	25	101	……	……	NOUN
cjrl-2282	25	102	……	……	NOUN
cjrl-2282	25	103	.	.	PUNCT
cjrl-2282	26	1	83	83	NUM
cjrl-2282	26	2	a.	a.	NOUN
cjrl-2282	26	3	payday	payday	NOUN
cjrl-2282	26	4	loans	loan	NOUN
cjrl-2282	26	5	……	……	NOUN
cjrl-2282	26	6	……	……	NOUN
cjrl-2282	26	7	……	……	NOUN
cjrl-2282	26	8	……	……	NOUN
cjrl-2282	26	9	……	……	NOUN
cjrl-2282	26	10	……	……	NOUN
cjrl-2282	26	11	……	……	NOUN
cjrl-2282	26	12	……	……	NOUN
cjrl-2282	26	13	……	……	NOUN
cjrl-2282	26	14	……	……	NOUN
cjrl-2282	26	15	……	……	NOUN
cjrl-2282	26	16	..	..	PUNCT
cjrl-2282	26	17	85	85	NUM
cjrl-2282	26	18	1	1	NUM
cjrl-2282	26	19	.	.	PUNCT
cjrl-2282	27	1	a	a	DET
cjrl-2282	27	2	short	short	ADJ
cjrl-2282	27	3	history	history	NOUN
cjrl-2282	27	4	of	of	ADP
cjrl-2282	27	5	payday	payday	NOUN
cjrl-2282	27	6	lending	lending	NOUN
cjrl-2282	27	7	……	……	NOUN
cjrl-2282	27	8	……	……	NOUN
cjrl-2282	27	9	……	……	NOUN
cjrl-2282	27	10	……	……	NOUN
cjrl-2282	27	11	……	……	NOUN
cjrl-2282	27	12	..	..	PUNCT
cjrl-2282	27	13	85	85	NUM
cjrl-2282	27	14	2	2	NUM
cjrl-2282	27	15	.	.	PUNCT
cjrl-2282	28	1	the	the	DET
cjrl-2282	28	2	disproportionate	disproportionate	ADJ
cjrl-2282	28	3	impact	impact	NOUN
cjrl-2282	28	4	of	of	ADP
cjrl-2282	28	5	payday	payday	NOUN
cjrl-2282	28	6	lending	lending	NOUN
cjrl-2282	28	7	on	on	ADP
cjrl-2282	28	8	minority	minority	NOUN
cjrl-2282	28	9	communities	community	NOUN
cjrl-2282	28	10	…	…	PUNCT
cjrl-2282	28	11	……	……	NOUN
cjrl-2282	28	12	……	……	NOUN
cjrl-2282	28	13	……	……	NOUN
cjrl-2282	28	14	……	……	NOUN
cjrl-2282	28	15	……	……	NOUN
cjrl-2282	28	16	……	……	NOUN
cjrl-2282	28	17	……	……	NOUN
cjrl-2282	28	18	..	..	PUNCT
cjrl-2282	28	19	89	89	NUM
cjrl-2282	28	20	3	3	NUM
cjrl-2282	28	21	.	.	PUNCT
cjrl-2282	28	22	payday	payday	NOUN
cjrl-2282	28	23	lending	lending	NOUN
cjrl-2282	28	24	and	and	CCONJ
cjrl-2282	28	25	bankruptcy	bankruptcy	NOUN
cjrl-2282	28	26	…	…	PUNCT
cjrl-2282	28	27	……	……	NOUN
cjrl-2282	28	28	……	……	NOUN
cjrl-2282	28	29	……	……	NOUN
cjrl-2282	28	30	……	……	NOUN
cjrl-2282	28	31	……	……	NOUN
cjrl-2282	28	32	.	.	PUNCT
cjrl-2282	29	1	90	90	NUM
cjrl-2282	29	2	b.	b.	PROPN
cjrl-2282	29	3	credit	credit	NOUN
cjrl-2282	29	4	cards	card	NOUN
cjrl-2282	29	5	…	…	PUNCT
cjrl-2282	29	6	……	……	NOUN
cjrl-2282	29	7	……	……	NOUN
cjrl-2282	29	8	……	……	NOUN
cjrl-2282	29	9	……	……	NOUN
cjrl-2282	29	10	……	……	NOUN
cjrl-2282	29	11	……	……	NOUN
cjrl-2282	29	12	……	……	NOUN
cjrl-2282	29	13	……	……	NOUN
cjrl-2282	29	14	……	……	NOUN
cjrl-2282	29	15	……	……	NOUN
cjrl-2282	29	16	……	……	NOUN
cjrl-2282	29	17	92	92	NUM
cjrl-2282	29	18	c.	c.	NOUN
cjrl-2282	29	19	home	home	PROPN
cjrl-2282	29	20	equity	equity	NOUN
cjrl-2282	29	21	lines	line	NOUN
cjrl-2282	29	22	of	of	ADP
cjrl-2282	29	23	credit	credit	NOUN
cjrl-2282	29	24	(	(	PUNCT
cjrl-2282	29	25	helocs	helocs	PROPN
cjrl-2282	29	26	)	)	PUNCT
cjrl-2282	29	27	…	…	PUNCT
cjrl-2282	29	28	……	……	NOUN
cjrl-2282	29	29	……	……	NOUN
cjrl-2282	29	30	……	……	NOUN
cjrl-2282	29	31	……	……	NOUN
cjrl-2282	29	32	……	……	NOUN
cjrl-2282	29	33	94	94	NUM
cjrl-2282	29	34	v.	v.	ADP
cjrl-2282	29	35	two	two	NUM
cjrl-2282	29	36	recommendations	recommendation	NOUN
cjrl-2282	29	37	……	……	NOUN
cjrl-2282	29	38	……	……	NOUN
cjrl-2282	29	39	……	……	NOUN
cjrl-2282	29	40	……	……	NOUN
cjrl-2282	29	41	……	……	NOUN
cjrl-2282	29	42	……	……	NOUN
cjrl-2282	29	43	……	……	NOUN
cjrl-2282	29	44	……	……	NOUN
cjrl-2282	29	45	……	……	NOUN
cjrl-2282	29	46	95	95	NUM
cjrl-2282	29	47	a.	a.	NOUN
cjrl-2282	29	48	the	the	DET
cjrl-2282	29	49	statutory	statutory	ADJ
cjrl-2282	29	50	definitions	definition	NOUN
cjrl-2282	29	51	of	of	ADP
cjrl-2282	29	52	“	"	PUNCT
cjrl-2282	29	53	check	check	NOUN
cjrl-2282	29	54	”	"	PUNCT
cjrl-2282	29	55	under	under	ADP
cjrl-2282	29	56	both	both	PRON
cjrl-2282	29	57	state	state	NOUN
cjrl-2282	29	58	u.c.c	u.c.c	ADP
cjrl-2282	29	59	.	.	PUNCT
cjrl-2282	29	60	law	law	NOUN
cjrl-2282	29	61	and	and	CCONJ
cjrl-2282	29	62	regulation	regulation	NOUN
cjrl-2282	29	63	cc	cc	NOUN
cjrl-2282	29	64	should	should	AUX
cjrl-2282	29	65	be	be	AUX
cjrl-2282	29	66	amended	amend	VERB
cjrl-2282	29	67	to	to	PART
cjrl-2282	29	68	remove	remove	VERB
cjrl-2282	29	69	the	the	DET
cjrl-2282	29	70	requirement	requirement	NOUN
cjrl-2282	29	71	that	that	SCONJ
cjrl-2282	29	72	they	they	PRON
cjrl-2282	29	73	are	be	AUX
cjrl-2282	29	74	payable	payable	ADJ
cjrl-2282	29	75	on	on	ADP
cjrl-2282	29	76	“	"	PUNCT
cjrl-2282	29	77	demand	demand	NOUN
cjrl-2282	29	78	”	"	PUNCT
cjrl-2282	29	79	……	……	NOUN
cjrl-2282	29	80	……	……	NOUN
cjrl-2282	29	81	……	……	NOUN
cjrl-2282	29	82	..	..	SYM
cjrl-2282	29	83	95	95	NUM
cjrl-2282	29	84	b.	b.	NOUN
cjrl-2282	29	85	regulation	regulation	NOUN
cjrl-2282	29	86	cc	cc	PROPN
cjrl-2282	29	87	should	should	AUX
cjrl-2282	29	88	require	require	VERB
cjrl-2282	29	89	banks	bank	NOUN
cjrl-2282	29	90	to	to	PART
cjrl-2282	29	91	offer	offer	VERB
cjrl-2282	29	92	checking	check	VERB
cjrl-2282	29	93	customers	customer	NOUN
cjrl-2282	29	94	a	a	DET
cjrl-2282	29	95	new	new	ADJ
cjrl-2282	29	96	check	check	NOUN
cjrl-2282	29	97	with	with	ADP
cjrl-2282	29	98	a	a	DET
cjrl-2282	29	99	future	future	ADJ
cjrl-2282	29	100	due	due	ADJ
cjrl-2282	29	101	date	date	NOUN
cjrl-2282	29	102	and	and	CCONJ
cjrl-2282	29	103	that	that	PRON
cjrl-2282	29	104	can	can	AUX
cjrl-2282	29	105	be	be	AUX
cjrl-2282	29	106	deposited	deposit	VERB
cjrl-2282	29	107	when	when	SCONJ
cjrl-2282	29	108	issued	issue	VERB
cjrl-2282	29	109	but	but	CCONJ
cjrl-2282	29	110	not	not	PART
cjrl-2282	29	111	payable	payable	ADJ
cjrl-2282	29	112	until	until	ADP
cjrl-2282	29	113	due	due	ADJ
cjrl-2282	29	114	…	…	SYM
cjrl-2282	29	115	……	……	NOUN
cjrl-2282	29	116	……	……	NOUN
cjrl-2282	29	117	96	96	NUM
cjrl-2282	29	118	vi	vi	NOUN
cjrl-2282	29	119	.	.	PUNCT
cjrl-2282	29	120	potential	potential	ADJ
cjrl-2282	29	121	objections	objection	NOUN
cjrl-2282	29	122	……	……	NOUN
cjrl-2282	29	123	……	……	NOUN
cjrl-2282	29	124	……	……	NOUN
cjrl-2282	29	125	……	……	NOUN
cjrl-2282	29	126	……	……	NOUN
cjrl-2282	29	127	……	……	NOUN
cjrl-2282	29	128	……	……	NOUN
cjrl-2282	29	129	……	……	NOUN
cjrl-2282	29	130	……	……	NOUN
cjrl-2282	29	131	...	...	PUNCT
cjrl-2282	29	132	96	96	NUM
cjrl-2282	29	133	a.	a.	NOUN
cjrl-2282	29	134	the	the	DET
cjrl-2282	29	135	“	"	PUNCT
cjrl-2282	29	136	redundancy	redundancy	NOUN
cjrl-2282	29	137	”	"	PUNCT
cjrl-2282	29	138	objection	objection	NOUN
cjrl-2282	29	139	…	…	PUNCT
cjrl-2282	29	140	……	……	NOUN
cjrl-2282	29	141	……	……	NOUN
cjrl-2282	29	142	……	……	NOUN
cjrl-2282	29	143	……	……	NOUN
cjrl-2282	29	144	……	……	NOUN
cjrl-2282	29	145	……	……	NOUN
cjrl-2282	29	146	……	……	NOUN
cjrl-2282	29	147	..	..	SYM
cjrl-2282	29	148	97	97	NUM
cjrl-2282	29	149	b.	b.	NOUN
cjrl-2282	29	150	the	the	DET
cjrl-2282	29	151	“	"	PUNCT
cjrl-2282	29	152	implementation	implementation	NOUN
cjrl-2282	29	153	”	"	PUNCT
cjrl-2282	29	154	objection	objection	NOUN
cjrl-2282	29	155	……	……	NOUN
cjrl-2282	29	156	……	……	NOUN
cjrl-2282	29	157	……	……	NOUN
cjrl-2282	29	158	……	……	NOUN
cjrl-2282	29	159	……	……	NOUN
cjrl-2282	29	160	……	……	NOUN
cjrl-2282	29	161	……	……	NOUN
cjrl-2282	29	162	97	97	NUM
cjrl-2282	29	163	c.	c.	PROPN
cjrl-2282	29	164	general	general	ADJ
cjrl-2282	29	165	business	business	NOUN
cjrl-2282	29	166	objections	objection	NOUN
cjrl-2282	29	167	……	……	NOUN
cjrl-2282	29	168	……	……	NOUN
cjrl-2282	29	169	……	……	NOUN
cjrl-2282	29	170	……	……	NOUN
cjrl-2282	29	171	……	……	NOUN
cjrl-2282	29	172	……	……	NOUN
cjrl-2282	29	173	……	……	NOUN
cjrl-2282	29	174	……	……	NOUN
cjrl-2282	30	1	98	98	NUM
cjrl-2282	30	2	vii	vii	PROPN
cjrl-2282	30	3	.	.	PROPN
cjrl-2282	30	4	summary	summary	NOUN
cjrl-2282	30	5	and	and	CCONJ
cjrl-2282	30	6	conclusion	conclusion	NOUN
cjrl-2282	30	7	……	……	NOUN
cjrl-2282	30	8	……	……	NOUN
cjrl-2282	30	9	……	……	NOUN
cjrl-2282	30	10	……	……	NOUN
cjrl-2282	30	11	……	……	NOUN
cjrl-2282	30	12	……	……	NOUN
cjrl-2282	30	13	……	……	NOUN
cjrl-2282	30	14	……	……	NOUN
cjrl-2282	30	15	..	..	SYM
cjrl-2282	30	16	98	98	NUM
cjrl-2282	30	17	2013	2013	NUM
cjrl-2282	30	18	columbia	columbia	PROPN
cjrl-2282	30	19	journal	journal	NOUN
cjrl-2282	30	20	of	of	ADP
cjrl-2282	30	21	race	race	NOUN
cjrl-2282	30	22	and	and	CCONJ
cjrl-2282	30	23	law	law	NOUN
cjrl-2282	30	24	75	75	NUM
cjrl-2282	30	25	i.	i.	NOUN
cjrl-2282	30	26	introduction	introduction	NOUN
cjrl-2282	30	27	this	this	DET
cjrl-2282	30	28	article	article	NOUN
cjrl-2282	30	29	is	be	AUX
cjrl-2282	30	30	organized	organize	VERB
cjrl-2282	30	31	as	as	SCONJ
cjrl-2282	30	32	follows	follow	VERB
cjrl-2282	30	33	:	:	PUNCT
cjrl-2282	30	34	part	part	NOUN
cjrl-2282	30	35	ii	ii	PROPN
cjrl-2282	30	36	provides	provide	VERB
cjrl-2282	30	37	an	an	DET
cjrl-2282	30	38	overview	overview	NOUN
cjrl-2282	30	39	of	of	ADP
cjrl-2282	30	40	the	the	DET
cjrl-2282	30	41	check	check	NOUN
cjrl-2282	30	42	collections	collection	NOUN
cjrl-2282	30	43	systems	system	NOUN
cjrl-2282	30	44	under	under	ADP
cjrl-2282	30	45	the	the	DET
cjrl-2282	30	46	uniform	uniform	ADJ
cjrl-2282	30	47	commercial	commercial	PROPN
cjrl-2282	30	48	code	code	NOUN
cjrl-2282	30	49	(	(	PUNCT
cjrl-2282	30	50	u.c.c	u.c.c	ADP
cjrl-2282	30	51	.	.	PUNCT
cjrl-2282	30	52	)	)	PUNCT
cjrl-2282	30	53	as	as	ADV
cjrl-2282	30	54	well	well	ADV
cjrl-2282	30	55	as	as	ADP
cjrl-2282	30	56	the	the	DET
cjrl-2282	30	57	pre	pre	ADJ
cjrl-2282	30	58	-	-	ADJ
cjrl-2282	30	59	reform	reform	ADJ
cjrl-2282	30	60	timing	timing	NOUN
cjrl-2282	30	61	of	of	ADP
cjrl-2282	30	62	payment	payment	NOUN
cjrl-2282	30	63	issues	issue	NOUN
cjrl-2282	30	64	that	that	PRON
cjrl-2282	30	65	persisted	persist	VERB
cjrl-2282	30	66	under	under	ADP
cjrl-2282	30	67	the	the	DET
cjrl-2282	30	68	midnight	midnight	NOUN
cjrl-2282	30	69	deadline	deadline	NOUN
cjrl-2282	30	70	rules	rule	NOUN
cjrl-2282	30	71	.	.	PUNCT
cjrl-2282	31	1	part	part	NOUN
cjrl-2282	31	2	iii	iii	PRON
cjrl-2282	31	3	provides	provide	VERB
cjrl-2282	31	4	an	an	DET
cjrl-2282	31	5	overview	overview	NOUN
cjrl-2282	31	6	and	and	CCONJ
cjrl-2282	31	7	description	description	NOUN
cjrl-2282	31	8	of	of	ADP
cjrl-2282	31	9	the	the	DET
cjrl-2282	31	10	characteristics	characteristic	NOUN
cjrl-2282	31	11	of	of	ADP
cjrl-2282	31	12	the	the	DET
cjrl-2282	31	13	new	new	ADJ
cjrl-2282	31	14	federal	federal	ADJ
cjrl-2282	31	15	regulations	regulation	NOUN
cjrl-2282	31	16	that	that	PRON
cjrl-2282	31	17	have	have	AUX
cjrl-2282	31	18	been	be	AUX
cjrl-2282	31	19	added	add	VERB
cjrl-2282	31	20	to	to	PART
cjrl-2282	31	21	augment	augment	VERB
cjrl-2282	31	22	the	the	DET
cjrl-2282	31	23	state	state	NOUN
cjrl-2282	31	24	regulations	regulation	NOUN
cjrl-2282	31	25	.	.	PUNCT
cjrl-2282	32	1	particularly	particularly	ADV
cjrl-2282	32	2	with	with	ADP
cjrl-2282	32	3	respect	respect	NOUN
cjrl-2282	32	4	to	to	ADP
cjrl-2282	32	5	the	the	DET
cjrl-2282	32	6	new	new	ADJ
cjrl-2282	32	7	timing	timing	NOUN
cjrl-2282	32	8	rules	rule	NOUN
cjrl-2282	32	9	,	,	PUNCT
cjrl-2282	32	10	it	it	PRON
cjrl-2282	32	11	also	also	ADV
cjrl-2282	32	12	provides	provide	VERB
cjrl-2282	32	13	a	a	DET
cjrl-2282	32	14	comparison	comparison	NOUN
cjrl-2282	32	15	of	of	ADP
cjrl-2282	32	16	the	the	DET
cjrl-2282	32	17	operation	operation	NOUN
cjrl-2282	32	18	of	of	ADP
cjrl-2282	32	19	new	new	ADJ
cjrl-2282	32	20	timing	timing	NOUN
cjrl-2282	32	21	rules	rule	NOUN
cjrl-2282	32	22	to	to	ADP
cjrl-2282	32	23	that	that	PRON
cjrl-2282	32	24	of	of	ADP
cjrl-2282	32	25	the	the	DET
cjrl-2282	32	26	traditional	traditional	ADJ
cjrl-2282	32	27	timing	timing	NOUN
cjrl-2282	32	28	rules	rule	NOUN
cjrl-2282	32	29	.	.	PUNCT
cjrl-2282	33	1	part	part	NOUN
cjrl-2282	33	2	iv	iv	NUM
cjrl-2282	33	3	describes	describe	VERB
cjrl-2282	33	4	the	the	DET
cjrl-2282	33	5	changes	change	NOUN
cjrl-2282	33	6	in	in	ADP
cjrl-2282	33	7	consumer	consumer	NOUN
cjrl-2282	33	8	behavior	behavior	NOUN
cjrl-2282	33	9	since	since	SCONJ
cjrl-2282	33	10	the	the	DET
cjrl-2282	33	11	federal	federal	ADJ
cjrl-2282	33	12	reforms	reform	NOUN
cjrl-2282	33	13	went	go	VERB
cjrl-2282	33	14	into	into	ADP
cjrl-2282	33	15	effect	effect	NOUN
cjrl-2282	33	16	,	,	PUNCT
cjrl-2282	33	17	and	and	CCONJ
cjrl-2282	33	18	posits	posit	NOUN
cjrl-2282	33	19	that	that	PRON
cjrl-2282	33	20	data	datum	NOUN
cjrl-2282	33	21	revealing	reveal	VERB
cjrl-2282	33	22	a	a	DET
cjrl-2282	33	23	dramatic	dramatic	ADJ
cjrl-2282	33	24	increase	increase	NOUN
cjrl-2282	33	25	in	in	ADP
cjrl-2282	33	26	risky	risky	ADJ
cjrl-2282	33	27	behavior	behavior	NOUN
cjrl-2282	33	28	by	by	ADP
cjrl-2282	33	29	consumers	consumer	NOUN
cjrl-2282	33	30	,	,	PUNCT
cjrl-2282	33	31	specifically	specifically	ADV
cjrl-2282	33	32	and	and	CCONJ
cjrl-2282	33	33	disproportionately	disproportionately	ADV
cjrl-2282	33	34	among	among	ADP
cjrl-2282	33	35	minority	minority	NOUN
cjrl-2282	33	36	groups	group	NOUN
cjrl-2282	33	37	,	,	PUNCT
cjrl-2282	33	38	show	show	VERB
cjrl-2282	33	39	a	a	DET
cjrl-2282	33	40	connection	connection	NOUN
cjrl-2282	33	41	between	between	ADP
cjrl-2282	33	42	these	these	DET
cjrl-2282	33	43	behaviors	behavior	NOUN
cjrl-2282	33	44	and	and	CCONJ
cjrl-2282	33	45	the	the	DET
cjrl-2282	33	46	reform	reform	NOUN
cjrl-2282	33	47	of	of	ADP
cjrl-2282	33	48	the	the	DET
cjrl-2282	33	49	check	check	NOUN
cjrl-2282	33	50	collection	collection	NOUN
cjrl-2282	33	51	timing	timing	NOUN
cjrl-2282	33	52	rules	rule	NOUN
cjrl-2282	33	53	.	.	PUNCT
cjrl-2282	34	1	part	part	NOUN
cjrl-2282	34	2	v	v	NOUN
cjrl-2282	34	3	contains	contain	VERB
cjrl-2282	34	4	two	two	NUM
cjrl-2282	34	5	recommendations	recommendation	NOUN
cjrl-2282	34	6	that	that	PRON
cjrl-2282	34	7	provide	provide	VERB
cjrl-2282	34	8	a	a	DET
cjrl-2282	34	9	solution	solution	NOUN
cjrl-2282	34	10	to	to	ADP
cjrl-2282	34	11	the	the	DET
cjrl-2282	34	12	problems	problem	NOUN
cjrl-2282	34	13	that	that	PRON
cjrl-2282	34	14	the	the	DET
cjrl-2282	34	15	regulatory	regulatory	ADJ
cjrl-2282	34	16	reforms	reform	NOUN
cjrl-2282	34	17	have	have	AUX
cjrl-2282	34	18	caused	cause	VERB
cjrl-2282	34	19	consumers	consumer	NOUN
cjrl-2282	34	20	.	.	PUNCT
cjrl-2282	35	1	the	the	DET
cjrl-2282	35	2	first	first	ADJ
cjrl-2282	35	3	recommendation	recommendation	NOUN
cjrl-2282	35	4	is	be	AUX
cjrl-2282	35	5	that	that	SCONJ
cjrl-2282	35	6	both	both	CCONJ
cjrl-2282	35	7	the	the	DET
cjrl-2282	35	8	u.c.c	u.c.c	NOUN
cjrl-2282	35	9	.	.	PUNCT
cjrl-2282	36	1	and	and	CCONJ
cjrl-2282	36	2	regulation	regulation	NOUN
cjrl-2282	36	3	cc	cc	VERB
cjrl-2282	36	4	’s	’s	ADJ
cjrl-2282	36	5	statutory	statutory	ADJ
cjrl-2282	36	6	definition	definition	NOUN
cjrl-2282	36	7	of	of	ADP
cjrl-2282	36	8	“	"	PUNCT
cjrl-2282	36	9	check	check	NOUN
cjrl-2282	36	10	”	"	PUNCT
cjrl-2282	37	1	should	should	AUX
cjrl-2282	37	2	be	be	AUX
cjrl-2282	37	3	amended	amend	VERB
cjrl-2282	37	4	to	to	PART
cjrl-2282	37	5	allow	allow	VERB
cjrl-2282	37	6	bank	bank	NOUN
cjrl-2282	37	7	drafts	draft	NOUN
cjrl-2282	37	8	to	to	PART
cjrl-2282	37	9	be	be	AUX
cjrl-2282	37	10	treated	treat	VERB
cjrl-2282	37	11	like	like	ADP
cjrl-2282	37	12	all	all	DET
cjrl-2282	37	13	other	other	ADJ
cjrl-2282	37	14	negotiable	negotiable	ADJ
cjrl-2282	37	15	instruments	instrument	NOUN
cjrl-2282	37	16	,	,	PUNCT
cjrl-2282	37	17	which	which	PRON
cjrl-2282	37	18	are	be	AUX
cjrl-2282	37	19	able	able	ADJ
cjrl-2282	37	20	to	to	PART
cjrl-2282	37	21	be	be	AUX
cjrl-2282	37	22	payable	payable	ADJ
cjrl-2282	37	23	either	either	CCONJ
cjrl-2282	37	24	at	at	ADP
cjrl-2282	37	25	a	a	DET
cjrl-2282	37	26	definite	definite	ADJ
cjrl-2282	37	27	time	time	NOUN
cjrl-2282	37	28	or	or	CCONJ
cjrl-2282	37	29	on	on	ADP
cjrl-2282	37	30	demand	demand	NOUN
cjrl-2282	37	31	—	—	PUNCT
cjrl-2282	37	32	at	at	ADP
cjrl-2282	37	33	the	the	DET
cjrl-2282	37	34	option	option	NOUN
cjrl-2282	37	35	of	of	ADP
cjrl-2282	37	36	the	the	DET
cjrl-2282	37	37	parties	party	NOUN
cjrl-2282	37	38	at	at	ADP
cjrl-2282	37	39	the	the	DET
cjrl-2282	37	40	time	time	NOUN
cjrl-2282	37	41	of	of	ADP
cjrl-2282	37	42	the	the	DET
cjrl-2282	37	43	transaction	transaction	NOUN
cjrl-2282	37	44	.	.	PUNCT
cjrl-2282	38	1	the	the	DET
cjrl-2282	38	2	second	second	ADJ
cjrl-2282	38	3	recommendation	recommendation	NOUN
cjrl-2282	38	4	is	be	AUX
cjrl-2282	38	5	for	for	SCONJ
cjrl-2282	38	6	bank	bank	NOUN
cjrl-2282	38	7	regulators	regulator	NOUN
cjrl-2282	38	8	to	to	PART
cjrl-2282	38	9	require	require	VERB
cjrl-2282	38	10	banks	bank	NOUN
cjrl-2282	38	11	to	to	PART
cjrl-2282	38	12	honor	honor	VERB
cjrl-2282	38	13	presentations	presentation	NOUN
cjrl-2282	38	14	of	of	ADP
cjrl-2282	38	15	checks	check	NOUN
cjrl-2282	38	16	that	that	PRON
cjrl-2282	38	17	are	be	AUX
cjrl-2282	38	18	not	not	PART
cjrl-2282	38	19	payable	payable	ADJ
cjrl-2282	38	20	on	on	ADP
cjrl-2282	38	21	demand	demand	NOUN
cjrl-2282	38	22	on	on	ADP
cjrl-2282	38	23	the	the	DET
cjrl-2282	38	24	definite	definite	ADJ
cjrl-2282	38	25	date	date	NOUN
cjrl-2282	38	26	in	in	ADP
cjrl-2282	38	27	the	the	DET
cjrl-2282	38	28	future	future	NOUN
cjrl-2282	38	29	when	when	SCONJ
cjrl-2282	38	30	they	they	PRON
cjrl-2282	38	31	become	become	VERB
cjrl-2282	38	32	due	due	ADJ
cjrl-2282	38	33	and	and	CCONJ
cjrl-2282	38	34	payable	payable	ADJ
cjrl-2282	38	35	.	.	PUNCT
cjrl-2282	39	1	part	part	NOUN
cjrl-2282	39	2	vi	vi	PROPN
cjrl-2282	39	3	provides	provide	VERB
cjrl-2282	39	4	a	a	DET
cjrl-2282	39	5	brief	brief	ADJ
cjrl-2282	39	6	rebuttal	rebuttal	NOUN
cjrl-2282	39	7	to	to	ADP
cjrl-2282	39	8	some	some	DET
cjrl-2282	39	9	potential	potential	ADJ
cjrl-2282	39	10	objections	objection	NOUN
cjrl-2282	39	11	that	that	PRON
cjrl-2282	39	12	may	may	AUX
cjrl-2282	39	13	be	be	AUX
cjrl-2282	39	14	raised	raise	VERB
cjrl-2282	39	15	in	in	ADP
cjrl-2282	39	16	response	response	NOUN
cjrl-2282	39	17	to	to	ADP
cjrl-2282	39	18	the	the	DET
cjrl-2282	39	19	recommendations	recommendation	NOUN
cjrl-2282	39	20	made	make	VERB
cjrl-2282	39	21	in	in	ADP
cjrl-2282	39	22	section	section	NOUN
cjrl-2282	39	23	v.	v.	ADP
cjrl-2282	39	24	part	part	NOUN
cjrl-2282	39	25	vii	vii	PROPN
cjrl-2282	39	26	is	be	AUX
cjrl-2282	39	27	a	a	DET
cjrl-2282	39	28	brief	brief	ADJ
cjrl-2282	39	29	summary	summary	NOUN
cjrl-2282	39	30	and	and	CCONJ
cjrl-2282	39	31	conclusion	conclusion	NOUN
cjrl-2282	39	32	.	.	PUNCT
cjrl-2282	40	1	ii	ii	PROPN
cjrl-2282	40	2	.	.	PUNCT
cjrl-2282	41	1	overview	overview	NOUN
cjrl-2282	41	2	of	of	ADP
cjrl-2282	41	3	pre	pre	ADJ
cjrl-2282	41	4	-	-	ADJ
cjrl-2282	41	5	reform	reform	ADJ
cjrl-2282	41	6	system	system	NOUN
cjrl-2282	41	7	of	of	ADP
cjrl-2282	41	8	check	check	NOUN
cjrl-2282	41	9	collections	collection	NOUN
cjrl-2282	41	10	,	,	PUNCT
cjrl-2282	41	11	including	include	VERB
cjrl-2282	41	12	midnight	midnight	NOUN
cjrl-2282	41	13	deadline	deadline	NOUN
cjrl-2282	41	14	timing	timing	NOUN
cjrl-2282	41	15	rule	rule	NOUN
cjrl-2282	41	16	article	article	NOUN
cjrl-2282	41	17	3	3	NUM
cjrl-2282	41	18	of	of	ADP
cjrl-2282	41	19	the	the	DET
cjrl-2282	41	20	u.c.c	u.c.c	NOUN
cjrl-2282	41	21	.	.	PUNCT
cjrl-2282	41	22	governs	govern	VERB
cjrl-2282	41	23	the	the	DET
cjrl-2282	41	24	rights	right	NOUN
cjrl-2282	41	25	and	and	CCONJ
cjrl-2282	41	26	obligations	obligation	NOUN
cjrl-2282	41	27	of	of	ADP
cjrl-2282	41	28	parties	party	NOUN
cjrl-2282	41	29	to	to	ADP
cjrl-2282	41	30	negotiable	negotiable	ADJ
cjrl-2282	41	31	instruments	instrument	NOUN
cjrl-2282	41	32	.	.	PUNCT
cjrl-2282	42	1	its	its	PRON
cjrl-2282	42	2	provisions	provision	NOUN
cjrl-2282	42	3	require	require	VERB
cjrl-2282	42	4	that	that	SCONJ
cjrl-2282	42	5	the	the	DET
cjrl-2282	42	6	transfer	transfer	NOUN
cjrl-2282	42	7	of	of	ADP
cjrl-2282	42	8	checks	check	NOUN
cjrl-2282	42	9	occur	occur	VERB
cjrl-2282	42	10	using	use	VERB
cjrl-2282	42	11	a	a	DET
cjrl-2282	42	12	special	special	ADJ
cjrl-2282	42	13	form	form	NOUN
cjrl-2282	42	14	of	of	ADP
cjrl-2282	42	15	transfer	transfer	NOUN
cjrl-2282	42	16	called	call	VERB
cjrl-2282	42	17	“	"	PUNCT
cjrl-2282	42	18	negotiation	negotiation	NOUN
cjrl-2282	42	19	”	"	PUNCT
cjrl-2282	42	20	through	through	ADP
cjrl-2282	42	21	which	which	PRON
cjrl-2282	42	22	the	the	DET
cjrl-2282	42	23	transferee	transferee	NOUN
cjrl-2282	42	24	becomes	become	VERB
cjrl-2282	42	25	a	a	DET
cjrl-2282	42	26	“	"	PUNCT
cjrl-2282	42	27	holder	holder	NOUN
cjrl-2282	42	28	”	"	PUNCT
cjrl-2282	42	29	and	and	CCONJ
cjrl-2282	42	30	,	,	PUNCT
cjrl-2282	42	31	therefore	therefore	ADV
cjrl-2282	42	32	,	,	PUNCT
cjrl-2282	42	33	is	be	AUX
cjrl-2282	42	34	entitled	entitle	VERB
cjrl-2282	42	35	to	to	PART
cjrl-2282	42	36	enforce	enforce	VERB
cjrl-2282	42	37	it.1	it.1	PROPN
cjrl-2282	42	38	under	under	ADP
cjrl-2282	42	39	u.c.c	u.c.c	NOUN
cjrl-2282	42	40	.	.	PUNCT
cjrl-2282	43	1	article	article	NOUN
cjrl-2282	43	2	3	3	NUM
cjrl-2282	43	3	,	,	PUNCT
cjrl-2282	43	4	negotiable	negotiable	ADJ
cjrl-2282	43	5	instruments	instrument	NOUN
cjrl-2282	43	6	fall	fall	VERB
cjrl-2282	43	7	into	into	ADP
cjrl-2282	43	8	two	two	NUM
cjrl-2282	43	9	broad	broad	ADJ
cjrl-2282	43	10	categories	category	NOUN
cjrl-2282	43	11	:	:	PUNCT
cjrl-2282	43	12	notes,2	notes,2	NOUN
cjrl-2282	43	13	which	which	PRON
cjrl-2282	43	14	are	be	AUX
cjrl-2282	43	15	always	always	ADV
cjrl-2282	43	16	two	two	NUM
cjrl-2282	43	17	-	-	PUNCT
cjrl-2282	43	18	party	party	NOUN
cjrl-2282	43	19	instruments,3	instruments,3	NOUN
cjrl-2282	43	20	and	and	CCONJ
cjrl-2282	43	21	drafts,4	drafts,4	NOUN
cjrl-2282	43	22	which	which	PRON
cjrl-2282	43	23	are	be	AUX
cjrl-2282	43	24	always	always	ADV
cjrl-2282	43	25	three	three	NUM
cjrl-2282	43	26	-	-	PUNCT
cjrl-2282	43	27	party	party	NOUN
cjrl-2282	43	28	instruments.5	instruments.5	NOUN
cjrl-2282	43	29	the	the	DET
cjrl-2282	43	30	definition	definition	NOUN
cjrl-2282	43	31	of	of	ADP
cjrl-2282	43	32	“	"	PUNCT
cjrl-2282	43	33	negotiable	negotiable	ADJ
cjrl-2282	43	34	instrument	instrument	NOUN
cjrl-2282	43	35	,	,	PUNCT
cjrl-2282	43	36	u.c.c	u.c.c	ADP
cjrl-2282	43	37	.	.	PROPN
cjrl-2282	43	38	3	3	NUM
cjrl-2282	43	39	-	-	SYM
cjrl-2282	43	40	104	104	NUM
cjrl-2282	43	41	,	,	PUNCT
cjrl-2282	43	42	allows	allow	VERB
cjrl-2282	43	43	parties	party	NOUN
cjrl-2282	43	44	to	to	PART
cjrl-2282	43	45	decide	decide	VERB
cjrl-2282	43	46	whether	whether	SCONJ
cjrl-2282	43	47	their	their	PRON
cjrl-2282	43	48	instruments	instrument	NOUN
cjrl-2282	43	49	will	will	AUX
cjrl-2282	43	50	be	be	AUX
cjrl-2282	43	51	payable	payable	ADJ
cjrl-2282	43	52	immediately	immediately	ADV
cjrl-2282	43	53	(	(	PUNCT
cjrl-2282	43	54	demand	demand	NOUN
cjrl-2282	43	55	instruments	instrument	NOUN
cjrl-2282	43	56	)	)	PUNCT
cjrl-2282	43	57	or	or	CCONJ
cjrl-2282	43	58	at	at	ADP
cjrl-2282	43	59	a	a	DET
cjrl-2282	43	60	definite	definite	ADJ
cjrl-2282	43	61	date	date	NOUN
cjrl-2282	43	62	in	in	ADP
cjrl-2282	43	63	the	the	DET
cjrl-2282	43	64	future	future	NOUN
cjrl-2282	43	65	(	(	PUNCT
cjrl-2282	43	66	time	time	NOUN
cjrl-2282	43	67	instruments)6	instruments)6	NOUN
cjrl-2282	43	68	.	.	PUNCT
cjrl-2282	44	1	notes	note	NOUN
cjrl-2282	44	2	and	and	CCONJ
cjrl-2282	44	3	drafts	draft	NOUN
cjrl-2282	44	4	can	can	AUX
cjrl-2282	44	5	be	be	AUX
cjrl-2282	44	6	issued	issue	VERB
cjrl-2282	44	7	without	without	ADP
cjrl-2282	44	8	involving	involve	VERB
cjrl-2282	44	9	a	a	DET
cjrl-2282	44	10	bank	bank	NOUN
cjrl-2282	44	11	as	as	ADP
cjrl-2282	44	12	one	one	NUM
cjrl-2282	44	13	of	of	ADP
cjrl-2282	44	14	the	the	DET
cjrl-2282	44	15	parties	party	NOUN
cjrl-2282	44	16	.	.	PUNCT
cjrl-2282	45	1	if	if	SCONJ
cjrl-2282	45	2	,	,	PUNCT
cjrl-2282	45	3	however	however	ADV
cjrl-2282	45	4	,	,	PUNCT
cjrl-2282	45	5	a	a	DET
cjrl-2282	45	6	bank	bank	NOUN
cjrl-2282	45	7	is	be	AUX
cjrl-2282	45	8	a	a	DET
cjrl-2282	45	9	party	party	NOUN
cjrl-2282	45	10	to	to	ADP
cjrl-2282	45	11	a	a	DET
cjrl-2282	45	12	three	three	NUM
cjrl-2282	45	13	party	party	NOUN
cjrl-2282	45	14	draft	draft	NOUN
cjrl-2282	45	15	,	,	PUNCT
cjrl-2282	45	16	it	it	PRON
cjrl-2282	45	17	becomes	become	VERB
cjrl-2282	45	18	a	a	DET
cjrl-2282	45	19	“	"	PUNCT
cjrl-2282	45	20	check”7	check”7	NOUN
cjrl-2282	45	21	as	as	SCONJ
cjrl-2282	45	22	defined	define	VERB
cjrl-2282	45	23	by	by	ADP
cjrl-2282	45	24	3	3	NUM
cjrl-2282	45	25	-	-	SYM
cjrl-2282	45	26	104(f	104(f	NUM
cjrl-2282	45	27	)	)	PUNCT
cjrl-2282	45	28	.	.	PUNCT
cjrl-2282	46	1	1	1	NUM
cjrl-2282	46	2	u.c.c	u.c.c	NOUN
cjrl-2282	46	3	.	.	PUNCT
cjrl-2282	47	1	§	§	PROPN
cjrl-2282	47	2	§	§	PROPN
cjrl-2282	47	3	3	3	NUM
cjrl-2282	47	4	-	-	SYM
cjrl-2282	47	5	201	201	NUM
cjrl-2282	47	6	,	,	PUNCT
cjrl-2282	47	7	3	3	NUM
cjrl-2282	47	8	-	-	SYM
cjrl-2282	47	9	301	301	NUM
cjrl-2282	47	10	(	(	PUNCT
cjrl-2282	47	11	amended	amend	VERB
cjrl-2282	47	12	2002	2002	NUM
cjrl-2282	47	13	)	)	PUNCT
cjrl-2282	47	14	.	.	PUNCT
cjrl-2282	48	1	2	2	NUM
cjrl-2282	48	2	see	see	VERB
cjrl-2282	48	3	generally	generally	ADV
cjrl-2282	48	4	u.c.c	u.c.c	ADP
cjrl-2282	48	5	.	.	PUNCT
cjrl-2282	49	1	§	§	PROPN
cjrl-2282	49	2	§	§	PROPN
cjrl-2282	49	3	3	3	PROPN
cjrl-2282	49	4	-	-	SYM
cjrl-2282	49	5	104(a	104(a	NUM
cjrl-2282	49	6	)	)	PUNCT
cjrl-2282	49	7	,	,	PUNCT
cjrl-2282	49	8	3	3	NUM
cjrl-2282	49	9	-	-	SYM
cjrl-2282	49	10	103(a)(8	103(a)(8	NUM
cjrl-2282	49	11	)	)	PUNCT
cjrl-2282	49	12	,	,	PUNCT
cjrl-2282	49	13	3	3	NUM
cjrl-2282	49	14	-	-	SYM
cjrl-2282	49	15	103(a)(12	103(a)(12	NUM
cjrl-2282	49	16	)	)	PUNCT
cjrl-2282	49	17	(	(	PUNCT
cjrl-2282	49	18	amended	amend	VERB
cjrl-2282	49	19	2002	2002	NUM
cjrl-2282	49	20	)	)	PUNCT
cjrl-2282	49	21	.	.	PUNCT
cjrl-2282	50	1	3	3	NUM
cjrl-2282	50	2	the	the	DET
cjrl-2282	50	3	parties	party	NOUN
cjrl-2282	50	4	to	to	ADP
cjrl-2282	50	5	notes	note	NOUN
cjrl-2282	50	6	are	be	AUX
cjrl-2282	50	7	referred	refer	VERB
cjrl-2282	50	8	as	as	ADP
cjrl-2282	50	9	the	the	DET
cjrl-2282	50	10	“	"	PUNCT
cjrl-2282	50	11	maker	maker	NOUN
cjrl-2282	50	12	”	"	PUNCT
cjrl-2282	50	13	and	and	CCONJ
cjrl-2282	50	14	“	"	PUNCT
cjrl-2282	50	15	payee	payee	NOUN
cjrl-2282	50	16	.	.	PUNCT
cjrl-2282	50	17	”	"	PUNCT
cjrl-2282	51	1	4	4	NUM
cjrl-2282	51	2	see	see	VERB
cjrl-2282	51	3	generally	generally	ADV
cjrl-2282	51	4	u.c.c	u.c.c	ADP
cjrl-2282	51	5	.	.	PUNCT
cjrl-2282	52	1	§	§	PROPN
cjrl-2282	52	2	§	§	PROPN
cjrl-2282	52	3	3	3	PROPN
cjrl-2282	52	4	-	-	SYM
cjrl-2282	52	5	104(a	104(a	NUM
cjrl-2282	52	6	)	)	PUNCT
cjrl-2282	52	7	,	,	PUNCT
cjrl-2282	52	8	3	3	NUM
cjrl-2282	52	9	-	-	SYM
cjrl-2282	52	10	103(a)(8	103(a)(8	NUM
cjrl-2282	52	11	)	)	PUNCT
cjrl-2282	52	12	,	,	PUNCT
cjrl-2282	52	13	3	3	NUM
cjrl-2282	52	14	-	-	SYM
cjrl-2282	52	15	103(a)(12	103(a)(12	NUM
cjrl-2282	52	16	)	)	PUNCT
cjrl-2282	52	17	(	(	PUNCT
cjrl-2282	52	18	amended	amend	VERB
cjrl-2282	52	19	2002	2002	NUM
cjrl-2282	52	20	)	)	PUNCT
cjrl-2282	52	21	.	.	PUNCT
cjrl-2282	53	1	5	5	NUM
cjrl-2282	53	2	drawer	drawer	NOUN
cjrl-2282	53	3	,	,	PUNCT
cjrl-2282	53	4	payee	payee	NOUN
cjrl-2282	53	5	,	,	PUNCT
cjrl-2282	53	6	drawee	drawee	NOUN
cjrl-2282	53	7	/	/	SYM
cjrl-2282	53	8	paying	pay	VERB
cjrl-2282	53	9	bank	bank	NOUN
cjrl-2282	53	10	or	or	CCONJ
cjrl-2282	53	11	paying	pay	VERB
cjrl-2282	53	12	bank	bank	NOUN
cjrl-2282	53	13	under	under	ADP
cjrl-2282	53	14	regulation	regulation	NOUN
cjrl-2282	53	15	cc	cc	PROPN
cjrl-2282	53	16	12	12	NUM
cjrl-2282	53	17	c.f.r	c.f.r	NOUN
cjrl-2282	53	18	.	.	PUNCT
cjrl-2282	54	1	§	§	PROPN
cjrl-2282	54	2	229.2	229.2	NUM
cjrl-2282	54	3	.	.	NOUN
cjrl-2282	54	4	6	6	NUM
cjrl-2282	54	5	see	see	VERB
cjrl-2282	54	6	u.c.c	u.c.c	ADP
cjrl-2282	54	7	.	.	PUNCT
cjrl-2282	55	1	§	§	PROPN
cjrl-2282	55	2	3	3	NUM
cjrl-2282	55	3	-	-	SYM
cjrl-2282	55	4	104(f	104(f	NUM
cjrl-2282	55	5	)	)	PUNCT
cjrl-2282	55	6	(	(	PUNCT
cjrl-2282	55	7	amended	amend	VERB
cjrl-2282	55	8	2002	2002	NUM
cjrl-2282	55	9	)	)	PUNCT
cjrl-2282	55	10	.	.	PUNCT
cjrl-2282	56	1	7	7	NUM
cjrl-2282	57	1	the	the	DET
cjrl-2282	57	2	terms	term	NOUN
cjrl-2282	57	3	"	"	PUNCT
cjrl-2282	57	4	checks	check	NOUN
cjrl-2282	57	5	,	,	PUNCT
cjrl-2282	57	6	"	"	PUNCT
cjrl-2282	57	7	"	"	PUNCT
cjrl-2282	57	8	negotiable	negotiable	ADJ
cjrl-2282	57	9	bank	bank	NOUN
cjrl-2282	57	10	drafts	draft	NOUN
cjrl-2282	57	11	,	,	PUNCT
cjrl-2282	57	12	"	"	PUNCT
cjrl-2282	57	13	and	and	CCONJ
cjrl-2282	57	14	"	"	PUNCT
cjrl-2282	57	15	items	item	NOUN
cjrl-2282	57	16	"	"	PUNCT
cjrl-2282	57	17	are	be	AUX
cjrl-2282	57	18	all	all	PRON
cjrl-2282	57	19	used	use	VERB
cjrl-2282	57	20	interchangeably	interchangeably	ADV
cjrl-2282	57	21	through	through	ADP
cjrl-2282	57	22	the	the	DET
cjrl-2282	57	23	relevant	relevant	ADJ
cjrl-2282	57	24	state	state	NOUN
cjrl-2282	57	25	and	and	CCONJ
cjrl-2282	57	26	federal	federal	ADJ
cjrl-2282	57	27	regulations	regulation	NOUN
cjrl-2282	57	28	and	and	CCONJ
cjrl-2282	57	29	this	this	DET
cjrl-2282	57	30	article	article	NOUN
cjrl-2282	57	31	.	.	PUNCT
cjrl-2282	58	1	76	76	NUM
cjrl-2282	58	2	checking	check	VERB
cjrl-2282	58	3	out	out	ADP
cjrl-2282	58	4	the	the	DET
cjrl-2282	58	5	exception	exception	NOUN
cjrl-2282	58	6	to	to	ADP
cjrl-2282	58	7	3	3	NUM
cjrl-2282	58	8	-	-	SYM
cjrl-2282	58	9	104	104	NUM
cjrl-2282	58	10	vol	vol	NOUN
cjrl-2282	58	11	.	.	PUNCT
cjrl-2282	58	12	3:1	3:1	NUM
cjrl-2282	59	1	in	in	ADP
cjrl-2282	59	2	addition	addition	NOUN
cjrl-2282	59	3	to	to	ADP
cjrl-2282	59	4	defining	define	VERB
cjrl-2282	59	5	“	"	PUNCT
cjrl-2282	59	6	check	check	NOUN
cjrl-2282	59	7	”	"	PUNCT
cjrl-2282	59	8	as	as	ADP
cjrl-2282	59	9	“	"	PUNCT
cjrl-2282	59	10	a	a	DET
cjrl-2282	59	11	draft	draft	NOUN
cjrl-2282	59	12	drawn	draw	VERB
cjrl-2282	59	13	on	on	ADP
cjrl-2282	59	14	a	a	DET
cjrl-2282	59	15	bank	bank	NOUN
cjrl-2282	59	16	,	,	PUNCT
cjrl-2282	59	17	”	"	PUNCT
cjrl-2282	59	18	article	article	NOUN
cjrl-2282	59	19	3	3	NUM
cjrl-2282	59	20	also	also	ADV
cjrl-2282	59	21	defines	define	VERB
cjrl-2282	59	22	“	"	PUNCT
cjrl-2282	59	23	check	check	NOUN
cjrl-2282	59	24	”	"	PUNCT
cjrl-2282	59	25	as	as	ADP
cjrl-2282	59	26	“	"	PUNCT
cjrl-2282	59	27	payable	payable	ADJ
cjrl-2282	59	28	on	on	ADP
cjrl-2282	59	29	demand	demand	NOUN
cjrl-2282	59	30	.	.	PUNCT
cjrl-2282	59	31	”8	”8	PUNCT
cjrl-2282	60	1	thus	thus	ADV
cjrl-2282	60	2	,	,	PUNCT
cjrl-2282	60	3	while	while	SCONJ
cjrl-2282	60	4	the	the	DET
cjrl-2282	60	5	u.c.c	u.c.c	NOUN
cjrl-2282	60	6	.	.	PROPN
cjrl-2282	60	7	provides	provide	VERB
cjrl-2282	60	8	parties	party	NOUN
cjrl-2282	60	9	to	to	ADP
cjrl-2282	60	10	notes	note	NOUN
cjrl-2282	60	11	and	and	CCONJ
cjrl-2282	60	12	drafts	draft	VERB
cjrl-2282	60	13	broad	broad	ADJ
cjrl-2282	60	14	flexibility	flexibility	NOUN
cjrl-2282	60	15	to	to	PART
cjrl-2282	60	16	,	,	PUNCT
cjrl-2282	60	17	choose	choose	VERB
cjrl-2282	60	18	the	the	DET
cjrl-2282	60	19	precise	precise	ADJ
cjrl-2282	60	20	date	date	NOUN
cjrl-2282	60	21	when	when	SCONJ
cjrl-2282	60	22	they	they	PRON
cjrl-2282	60	23	will	will	AUX
cjrl-2282	60	24	be	be	AUX
cjrl-2282	60	25	payable	payable	ADJ
cjrl-2282	60	26	,	,	PUNCT
cjrl-2282	60	27	parties	party	NOUN
cjrl-2282	60	28	to	to	ADP
cjrl-2282	60	29	checks	check	NOUN
cjrl-2282	60	30	are	be	AUX
cjrl-2282	60	31	denied	deny	VERB
cjrl-2282	60	32	this	this	DET
cjrl-2282	60	33	ability.9	ability.9	PROPN
cjrl-2282	60	34	applicable	applicable	ADJ
cjrl-2282	60	35	reforms	reform	NOUN
cjrl-2282	60	36	at	at	ADP
cjrl-2282	60	37	the	the	DET
cjrl-2282	60	38	federal	federal	ADJ
cjrl-2282	60	39	level	level	NOUN
cjrl-2282	60	40	,	,	PUNCT
cjrl-2282	60	41	referred	refer	VERB
cjrl-2282	60	42	to	to	ADP
cjrl-2282	60	43	colloquially	colloquially	ADV
cjrl-2282	60	44	as	as	ADP
cjrl-2282	60	45	“	"	PUNCT
cjrl-2282	60	46	reg	reg	NOUN
cjrl-2282	60	47	.	.	PUNCT
cjrl-2282	61	1	cc	cc	NOUN
cjrl-2282	61	2	,	,	PUNCT
cjrl-2282	61	3	”	"	PUNCT
cjrl-2282	61	4	define	define	VERB
cjrl-2282	61	5	“	"	PUNCT
cjrl-2282	61	6	check	check	NOUN
cjrl-2282	61	7	”	"	PUNCT
cjrl-2282	61	8	in	in	ADP
cjrl-2282	61	9	a	a	DET
cjrl-2282	61	10	similar	similar	ADJ
cjrl-2282	61	11	manner	manner	NOUN
cjrl-2282	61	12	as	as	ADP
cjrl-2282	61	13	“	"	PUNCT
cjrl-2282	61	14	a	a	DET
cjrl-2282	61	15	negotiable	negotiable	ADJ
cjrl-2282	61	16	demand	demand	NOUN
cjrl-2282	61	17	draft	draft	NOUN
cjrl-2282	61	18	drawn	draw	VERB
cjrl-2282	61	19	on	on	ADP
cjrl-2282	61	20	or	or	CCONJ
cjrl-2282	61	21	payable	payable	ADJ
cjrl-2282	61	22	through	through	ADP
cjrl-2282	61	23	.	.	PUNCT
cjrl-2282	61	24	.	.	PUNCT
cjrl-2282	61	25	.	.	PUNCT
cjrl-2282	62	1	a	a	DET
cjrl-2282	62	2	bank	bank	NOUN
cjrl-2282	62	3	.	.	PUNCT
cjrl-2282	62	4	.	.	PUNCT
cjrl-2282	62	5	.	.	PUNCT
cjrl-2282	63	1	.”10	.”10	PROPN
cjrl-2282	63	2	somewhat	somewhat	ADV
cjrl-2282	63	3	perversely	perversely	ADV
cjrl-2282	63	4	,	,	PUNCT
cjrl-2282	63	5	it	it	PRON
cjrl-2282	63	6	is	be	AUX
cjrl-2282	63	7	because	because	SCONJ
cjrl-2282	63	8	checks	check	NOUN
cjrl-2282	63	9	are	be	AUX
cjrl-2282	63	10	3	3	NUM
cjrl-2282	63	11	-	-	PUNCT
cjrl-2282	63	12	party	party	NOUN
cjrl-2282	63	13	instruments	instrument	NOUN
cjrl-2282	63	14	that	that	SCONJ
cjrl-2282	63	15	it	it	PRON
cjrl-2282	63	16	is	be	AUX
cjrl-2282	63	17	so	so	ADV
cjrl-2282	63	18	difficult	difficult	ADJ
cjrl-2282	63	19	—	—	PUNCT
cjrl-2282	63	20	arguably	arguably	ADV
cjrl-2282	63	21	logistically	logistically	ADV
cjrl-2282	63	22	impossible	impossible	ADJ
cjrl-2282	63	23	—	—	PUNCT
cjrl-2282	63	24	to	to	PART
cjrl-2282	63	25	pay	pay	VERB
cjrl-2282	63	26	them	they	PRON
cjrl-2282	63	27	immediately	immediately	ADV
cjrl-2282	63	28	upon	upon	SCONJ
cjrl-2282	63	29	demand	demand	NOUN
cjrl-2282	63	30	.	.	PUNCT
cjrl-2282	64	1	this	this	PRON
cjrl-2282	64	2	is	be	AUX
cjrl-2282	64	3	because	because	SCONJ
cjrl-2282	64	4	all	all	DET
cjrl-2282	64	5	three	three	NUM
cjrl-2282	64	6	parties	party	NOUN
cjrl-2282	64	7	to	to	ADP
cjrl-2282	64	8	a	a	DET
cjrl-2282	64	9	check	check	NOUN
cjrl-2282	64	10	have	have	VERB
cjrl-2282	64	11	interests	interest	NOUN
cjrl-2282	64	12	that	that	PRON
cjrl-2282	64	13	must	must	AUX
cjrl-2282	64	14	be	be	AUX
cjrl-2282	64	15	balanced	balance	VERB
cjrl-2282	64	16	—	—	PUNCT
cjrl-2282	64	17	and	and	CCONJ
cjrl-2282	64	18	that	that	PRON
cjrl-2282	64	19	takes	take	VERB
cjrl-2282	64	20	time	time	NOUN
cjrl-2282	64	21	—	—	PUNCT
cjrl-2282	64	22	even	even	ADV
cjrl-2282	64	23	after	after	SCONJ
cjrl-2282	64	24	the	the	DET
cjrl-2282	64	25	check	check	NOUN
cjrl-2282	64	26	is	be	AUX
cjrl-2282	64	27	presented	present	VERB
cjrl-2282	64	28	to	to	ADP
cjrl-2282	64	29	the	the	DET
cjrl-2282	64	30	drawer	drawer	NOUN
cjrl-2282	64	31	’s	’s	PART
cjrl-2282	64	32	bank	bank	NOUN
cjrl-2282	64	33	for	for	ADP
cjrl-2282	64	34	payment	payment	NOUN
cjrl-2282	64	35	.	.	PUNCT
cjrl-2282	65	1	pre	pre	ADJ
cjrl-2282	65	2	-	-	ADJ
cjrl-2282	65	3	reform	reform	ADJ
cjrl-2282	65	4	rules	rule	NOUN
cjrl-2282	65	5	under	under	ADP
cjrl-2282	65	6	article	article	NOUN
cjrl-2282	65	7	4	4	NUM
cjrl-2282	65	8	of	of	ADP
cjrl-2282	65	9	the	the	DET
cjrl-2282	65	10	u.c.c	u.c.c	NOUN
cjrl-2282	65	11	.	.	PUNCT
cjrl-2282	65	12	impose	impose	VERB
cjrl-2282	65	13	strict	strict	ADJ
cjrl-2282	65	14	timing	timing	NOUN
cjrl-2282	65	15	rules	rule	NOUN
cjrl-2282	65	16	for	for	ADP
cjrl-2282	65	17	check	check	NOUN
cjrl-2282	65	18	collection	collection	NOUN
cjrl-2282	65	19	once	once	SCONJ
cjrl-2282	65	20	an	an	DET
cjrl-2282	65	21	item	item	NOUN
cjrl-2282	65	22	is	be	AUX
cjrl-2282	65	23	deposited	deposit	VERB
cjrl-2282	65	24	for	for	ADP
cjrl-2282	65	25	collection	collection	NOUN
cjrl-2282	65	26	.	.	PUNCT
cjrl-2282	66	1	among	among	ADP
cjrl-2282	66	2	other	other	ADJ
cjrl-2282	66	3	things	thing	NOUN
cjrl-2282	66	4	,	,	PUNCT
cjrl-2282	66	5	these	these	DET
cjrl-2282	66	6	pre	pre	ADJ
cjrl-2282	66	7	-	-	ADJ
cjrl-2282	66	8	reform	reform	ADJ
cjrl-2282	66	9	rules	rule	NOUN
cjrl-2282	66	10	required	require	VERB
cjrl-2282	66	11	payment	payment	NOUN
cjrl-2282	66	12	to	to	PART
cjrl-2282	66	13	occur	occur	VERB
cjrl-2282	66	14	within	within	ADP
cjrl-2282	66	15	a	a	DET
cjrl-2282	66	16	limited	limited	ADJ
cjrl-2282	66	17	amount	amount	NOUN
cjrl-2282	66	18	of	of	ADP
cjrl-2282	66	19	time	time	NOUN
cjrl-2282	66	20	after	after	SCONJ
cjrl-2282	66	21	the	the	DET
cjrl-2282	66	22	check	check	NOUN
cjrl-2282	66	23	was	be	AUX
cjrl-2282	66	24	presented	present	VERB
cjrl-2282	66	25	for	for	ADP
cjrl-2282	66	26	payment.11	payment.11	NOUN
cjrl-2282	66	27	during	during	ADP
cjrl-2282	66	28	the	the	DET
cjrl-2282	66	29	collection	collection	NOUN
cjrl-2282	66	30	process	process	NOUN
cjrl-2282	66	31	any	any	DET
cjrl-2282	66	32	bank	bank	NOUN
cjrl-2282	66	33	in	in	ADP
cjrl-2282	66	34	the	the	DET
cjrl-2282	66	35	chain	chain	NOUN
cjrl-2282	66	36	of	of	ADP
cjrl-2282	66	37	collection	collection	NOUN
cjrl-2282	66	38	has	have	VERB
cjrl-2282	66	39	up	up	ADP
cjrl-2282	66	40	to	to	PART
cjrl-2282	66	41	two	two	NUM
cjrl-2282	66	42	days	day	NOUN
cjrl-2282	66	43	before	before	SCONJ
cjrl-2282	66	44	it	it	PRON
cjrl-2282	66	45	must	must	AUX
cjrl-2282	66	46	forward	forward	VERB
cjrl-2282	66	47	the	the	DET
cjrl-2282	66	48	check	check	NOUN
cjrl-2282	66	49	to	to	ADP
cjrl-2282	66	50	the	the	DET
cjrl-2282	66	51	next	next	ADJ
cjrl-2282	66	52	bank	bank	NOUN
cjrl-2282	66	53	in	in	ADP
cjrl-2282	66	54	the	the	DET
cjrl-2282	66	55	collection	collection	NOUN
cjrl-2282	66	56	chain	chain	NOUN
cjrl-2282	66	57	.	.	PUNCT
cjrl-2282	67	1	this	this	DET
cjrl-2282	67	2	timing	timing	NOUN
cjrl-2282	67	3	of	of	ADP
cjrl-2282	67	4	collection	collection	NOUN
cjrl-2282	67	5	and	and	CCONJ
cjrl-2282	67	6	of	of	ADP
cjrl-2282	67	7	payment	payment	NOUN
cjrl-2282	67	8	rule	rule	NOUN
cjrl-2282	67	9	is	be	AUX
cjrl-2282	67	10	called	call	VERB
cjrl-2282	67	11	the	the	DET
cjrl-2282	67	12	“	"	PUNCT
cjrl-2282	67	13	midnight	midnight	NOUN
cjrl-2282	67	14	deadline	deadline	NOUN
cjrl-2282	67	15	rule	rule	NOUN
cjrl-2282	67	16	.	.	PUNCT
cjrl-2282	67	17	”	"	PUNCT
cjrl-2282	68	1	specifically	specifically	ADV
cjrl-2282	68	2	,	,	PUNCT
cjrl-2282	68	3	a	a	DET
cjrl-2282	68	4	bank	bank	NOUN
cjrl-2282	68	5	’s	’s	PART
cjrl-2282	68	6	“	"	PUNCT
cjrl-2282	68	7	midnight	midnight	NOUN
cjrl-2282	68	8	deadline	deadline	NOUN
cjrl-2282	68	9	”	"	PUNCT
cjrl-2282	68	10	is	be	AUX
cjrl-2282	68	11	defined	define	VERB
cjrl-2282	68	12	as	as	ADP
cjrl-2282	68	13	“	"	PUNCT
cjrl-2282	68	14	midnight	midnight	NOUN
cjrl-2282	68	15	of	of	ADP
cjrl-2282	68	16	the	the	DET
cjrl-2282	68	17	banking	banking	NOUN
cjrl-2282	68	18	day	day	NOUN
cjrl-2282	68	19	following	follow	VERB
cjrl-2282	68	20	the	the	DET
cjrl-2282	68	21	banking	banking	NOUN
cjrl-2282	68	22	day	day	NOUN
cjrl-2282	68	23	of	of	ADP
cjrl-2282	68	24	receipt	receipt	NOUN
cjrl-2282	68	25	.	.	PUNCT
cjrl-2282	69	1	”12	”12	PROPN
cjrl-2282	69	2	under	under	ADP
cjrl-2282	69	3	article	article	NOUN
cjrl-2282	69	4	4	4	NUM
cjrl-2282	69	5	,	,	PUNCT
cjrl-2282	69	6	each	each	DET
cjrl-2282	69	7	bank	bank	NOUN
cjrl-2282	69	8	that	that	PRON
cjrl-2282	69	9	touches	touch	VERB
cjrl-2282	69	10	a	a	DET
cjrl-2282	69	11	check	check	NOUN
cjrl-2282	69	12	during	during	ADP
cjrl-2282	69	13	the	the	DET
cjrl-2282	69	14	collections	collection	NOUN
cjrl-2282	69	15	process	process	NOUN
cjrl-2282	69	16	has	have	VERB
cjrl-2282	69	17	a	a	DET
cjrl-2282	69	18	separate	separate	ADJ
cjrl-2282	69	19	midnight	midnight	NOUN
cjrl-2282	69	20	deadline.13	deadline.13	PRON
cjrl-2282	69	21	that	that	PRON
cjrl-2282	69	22	means	mean	VERB
cjrl-2282	69	23	that	that	SCONJ
cjrl-2282	69	24	every	every	DET
cjrl-2282	69	25	person	person	NOUN
cjrl-2282	69	26	entitled	entitle	VERB
cjrl-2282	69	27	to	to	PART
cjrl-2282	69	28	enforce	enforce	VERB
cjrl-2282	69	29	the	the	DET
cjrl-2282	69	30	check	check	NOUN
cjrl-2282	69	31	must	must	AUX
cjrl-2282	69	32	wait	wait	VERB
cjrl-2282	69	33	up	up	ADP
cjrl-2282	69	34	to	to	PART
cjrl-2282	69	35	two	two	NUM
cjrl-2282	69	36	days	day	NOUN
cjrl-2282	69	37	,	,	PUNCT
cjrl-2282	69	38	multiplied	multiply	VERB
cjrl-2282	69	39	by	by	ADP
cjrl-2282	69	40	the	the	DET
cjrl-2282	69	41	total	total	ADJ
cjrl-2282	69	42	number	number	NOUN
cjrl-2282	69	43	of	of	ADP
cjrl-2282	69	44	banks	bank	NOUN
cjrl-2282	69	45	involved	involve	VERB
cjrl-2282	69	46	in	in	ADP
cjrl-2282	69	47	the	the	DET
cjrl-2282	69	48	process	process	NOUN
cjrl-2282	69	49	.	.	PUNCT
cjrl-2282	70	1	of	of	ADP
cjrl-2282	70	2	course	course	NOUN
cjrl-2282	70	3	,	,	PUNCT
cjrl-2282	70	4	under	under	ADP
cjrl-2282	70	5	article	article	NOUN
cjrl-2282	70	6	4	4	NUM
cjrl-2282	70	7	the	the	DET
cjrl-2282	70	8	actual	actual	ADJ
cjrl-2282	70	9	demand	demand	NOUN
cjrl-2282	70	10	for	for	ADP
cjrl-2282	70	11	payment	payment	NOUN
cjrl-2282	70	12	does	do	AUX
cjrl-2282	70	13	not	not	PART
cjrl-2282	70	14	occur	occur	VERB
cjrl-2282	70	15	until	until	SCONJ
cjrl-2282	70	16	the	the	DET
cjrl-2282	70	17	check	check	NOUN
cjrl-2282	70	18	reached	reach	VERB
cjrl-2282	70	19	the	the	DET
cjrl-2282	70	20	only	only	ADJ
cjrl-2282	70	21	bank	bank	NOUN
cjrl-2282	70	22	that	that	PRON
cjrl-2282	70	23	could	could	AUX
cjrl-2282	70	24	make	make	VERB
cjrl-2282	70	25	the	the	DET
cjrl-2282	70	26	payment	payment	NOUN
cjrl-2282	70	27	decision	decision	NOUN
cjrl-2282	70	28	—	—	PUNCT
cjrl-2282	70	29	the	the	DET
cjrl-2282	70	30	paying	pay	VERB
cjrl-2282	70	31	bank	bank	NOUN
cjrl-2282	70	32	.	.	PUNCT
cjrl-2282	71	1	once	once	SCONJ
cjrl-2282	71	2	the	the	DET
cjrl-2282	71	3	check	check	NOUN
cjrl-2282	71	4	finally	finally	ADV
cjrl-2282	71	5	reaches	reach	VERB
cjrl-2282	71	6	its	its	PRON
cjrl-2282	71	7	ultimate	ultimate	ADJ
cjrl-2282	71	8	destination	destination	NOUN
cjrl-2282	71	9	,	,	PUNCT
cjrl-2282	71	10	the	the	DET
cjrl-2282	71	11	paying	pay	VERB
cjrl-2282	71	12	bank	bank	NOUN
cjrl-2282	71	13	is	be	AUX
cjrl-2282	71	14	actually	actually	ADV
cjrl-2282	71	15	allowed	allow	VERB
cjrl-2282	71	16	to	to	PART
cjrl-2282	71	17	await	await	VERB
cjrl-2282	71	18	the	the	DET
cjrl-2282	71	19	expiration	expiration	NOUN
cjrl-2282	71	20	of	of	ADP
cjrl-2282	71	21	two	two	NUM
cjrl-2282	71	22	different	different	ADJ
cjrl-2282	71	23	midnight	midnight	NOUN
cjrl-2282	71	24	deadlines	deadline	NOUN
cjrl-2282	71	25	prior	prior	ADV
cjrl-2282	71	26	to	to	ADP
cjrl-2282	71	27	becoming	become	VERB
cjrl-2282	71	28	legally	legally	ADV
cjrl-2282	71	29	accountable	accountable	ADJ
cjrl-2282	71	30	for	for	ADP
cjrl-2282	71	31	the	the	DET
cjrl-2282	71	32	amount	amount	NOUN
cjrl-2282	71	33	of	of	ADP
cjrl-2282	71	34	the	the	DET
cjrl-2282	71	35	item	item	NOUN
cjrl-2282	71	36	.	.	PUNCT
cjrl-2282	72	1	first	first	ADV
cjrl-2282	72	2	,	,	PUNCT
cjrl-2282	72	3	the	the	DET
cjrl-2282	72	4	paying	pay	VERB
cjrl-2282	72	5	bank	bank	NOUN
cjrl-2282	72	6	has	have	VERB
cjrl-2282	72	7	until	until	ADP
cjrl-2282	72	8	midnight	midnight	NOUN
cjrl-2282	72	9	of	of	ADP
cjrl-2282	72	10	the	the	DET
cjrl-2282	72	11	day	day	NOUN
cjrl-2282	72	12	of	of	ADP
cjrl-2282	72	13	receipt	receipt	NOUN
cjrl-2282	72	14	to	to	PART
cjrl-2282	72	15	decide	decide	VERB
cjrl-2282	72	16	whether	whether	SCONJ
cjrl-2282	72	17	to	to	PART
cjrl-2282	72	18	give	give	VERB
cjrl-2282	72	19	provisional	provisional	ADJ
cjrl-2282	72	20	and	and	CCONJ
cjrl-2282	72	21	revocable	revocable	ADJ
cjrl-2282	72	22	credit	credit	NOUN
cjrl-2282	72	23	for	for	ADP
cjrl-2282	72	24	the	the	DET
cjrl-2282	72	25	check	check	NOUN
cjrl-2282	72	26	.	.	PUNCT
cjrl-2282	73	1	second	second	ADJ
cjrl-2282	73	2	,	,	PUNCT
cjrl-2282	73	3	if	if	SCONJ
cjrl-2282	73	4	the	the	DET
cjrl-2282	73	5	paying	pay	VERB
cjrl-2282	73	6	bank	bank	NOUN
cjrl-2282	73	7	gives	give	VERB
cjrl-2282	73	8	provisional	provisional	ADJ
cjrl-2282	73	9	credit	credit	NOUN
cjrl-2282	73	10	for	for	ADP
cjrl-2282	73	11	the	the	DET
cjrl-2282	73	12	check	check	NOUN
cjrl-2282	73	13	before	before	ADP
cjrl-2282	73	14	midnight	midnight	NOUN
cjrl-2282	73	15	of	of	ADP
cjrl-2282	73	16	the	the	DET
cjrl-2282	73	17	first	first	ADJ
cjrl-2282	73	18	banking	banking	NOUN
cjrl-2282	73	19	day	day	NOUN
cjrl-2282	73	20	on	on	ADP
cjrl-2282	73	21	which	which	PRON
cjrl-2282	73	22	it	it	PRON
cjrl-2282	73	23	receives	receive	VERB
cjrl-2282	73	24	the	the	DET
cjrl-2282	73	25	check	check	NOUN
cjrl-2282	73	26	for	for	ADP
cjrl-2282	73	27	payment	payment	NOUN
cjrl-2282	73	28	,	,	PUNCT
cjrl-2282	73	29	then	then	ADV
cjrl-2282	73	30	the	the	DET
cjrl-2282	73	31	u.c.c	u.c.c	NOUN
cjrl-2282	73	32	.	.	PUNCT
cjrl-2282	73	33	extends	extend	VERB
cjrl-2282	73	34	the	the	DET
cjrl-2282	73	35	deadline	deadline	NOUN
cjrl-2282	73	36	by	by	ADP
cjrl-2282	73	37	which	which	PRON
cjrl-2282	73	38	the	the	DET
cjrl-2282	73	39	paying	pay	VERB
cjrl-2282	73	40	bank	bank	NOUN
cjrl-2282	73	41	must	must	AUX
cjrl-2282	73	42	make	make	VERB
cjrl-2282	73	43	a	a	DET
cjrl-2282	73	44	final	final	ADJ
cjrl-2282	73	45	decision	decision	NOUN
cjrl-2282	73	46	to	to	AUX
cjrl-2282	73	47	either	either	CCONJ
cjrl-2282	73	48	pay	pay	VERB
cjrl-2282	73	49	or	or	CCONJ
cjrl-2282	73	50	to	to	PART
cjrl-2282	73	51	dishonor	dishonor	VERB
cjrl-2282	73	52	the	the	DET
cjrl-2282	73	53	check	check	NOUN
cjrl-2282	73	54	to	to	ADP
cjrl-2282	73	55	midnight	midnight	NOUN
cjrl-2282	73	56	of	of	ADP
cjrl-2282	73	57	the	the	DET
cjrl-2282	73	58	next	next	ADJ
cjrl-2282	73	59	banking	banking	NOUN
cjrl-2282	73	60	day	day	NOUN
cjrl-2282	73	61	.	.	PUNCT
cjrl-2282	74	1	remarkably	remarkably	ADV
cjrl-2282	74	2	,	,	PUNCT
cjrl-2282	74	3	it	it	PRON
cjrl-2282	74	4	is	be	AUX
cjrl-2282	74	5	not	not	PART
cjrl-2282	74	6	until	until	SCONJ
cjrl-2282	74	7	the	the	DET
cjrl-2282	74	8	expiration	expiration	NOUN
cjrl-2282	74	9	of	of	ADP
cjrl-2282	74	10	the	the	DET
cjrl-2282	74	11	paying	pay	VERB
cjrl-2282	74	12	bank	bank	NOUN
cjrl-2282	74	13	’s	’s	PART
cjrl-2282	74	14	second	second	ADJ
cjrl-2282	74	15	midnight	midnight	NOUN
cjrl-2282	74	16	deadline	deadline	NOUN
cjrl-2282	74	17	that	that	SCONJ
cjrl-2282	74	18	it	it	PRON
cjrl-2282	74	19	must	must	AUX
cjrl-2282	74	20	make	make	VERB
cjrl-2282	74	21	a	a	DET
cjrl-2282	74	22	final	final	ADJ
cjrl-2282	74	23	decision	decision	NOUN
cjrl-2282	74	24	to	to	PART
cjrl-2282	74	25	pay	pay	VERB
cjrl-2282	74	26	or	or	CCONJ
cjrl-2282	74	27	to	to	PART
cjrl-2282	74	28	dishonor	dishonor	VERB
cjrl-2282	74	29	the	the	DET
cjrl-2282	74	30	item	item	NOUN
cjrl-2282	74	31	at	at	ADP
cjrl-2282	74	32	which	which	DET
cjrl-2282	74	33	time	time	NOUN
cjrl-2282	74	34	it	it	PRON
cjrl-2282	74	35	will	will	AUX
cjrl-2282	74	36	either	either	CCONJ
cjrl-2282	74	37	be	be	AUX
cjrl-2282	74	38	finally	finally	ADV
cjrl-2282	74	39	paid	pay	VERB
cjrl-2282	74	40	or	or	CCONJ
cjrl-2282	74	41	notice	notice	NOUN
cjrl-2282	74	42	of	of	ADP
cjrl-2282	74	43	dishonor	dishonor	NOUN
cjrl-2282	74	44	will	will	AUX
cjrl-2282	74	45	be	be	AUX
cjrl-2282	74	46	sent	send	VERB
cjrl-2282	74	47	to	to	ADP
cjrl-2282	74	48	the	the	DET
cjrl-2282	74	49	depositary	depositary	ADJ
cjrl-2282	74	50	bank.14	bank.14	NOUN
cjrl-2282	74	51	8	8	NUM
cjrl-2282	75	1	i	i	PRON
cjrl-2282	75	2	d.	d.	PROPN
cjrl-2282	75	3	9	9	NUM
cjrl-2282	76	1	i	i	PROPN
cjrl-2282	76	2	d.	d.	PROPN
cjrl-2282	76	3	(	(	PUNCT
cjrl-2282	76	4	distinguishing	distinguish	VERB
cjrl-2282	76	5	“	"	PUNCT
cjrl-2282	76	6	checks	check	NOUN
cjrl-2282	76	7	”	"	PUNCT
cjrl-2282	76	8	as	as	ADP
cjrl-2282	76	9	a	a	DET
cjrl-2282	76	10	special	special	ADJ
cjrl-2282	76	11	subset	subset	NOUN
cjrl-2282	76	12	of	of	ADP
cjrl-2282	76	13	drafts	draft	NOUN
cjrl-2282	76	14	payable	payable	ADJ
cjrl-2282	76	15	on	on	ADP
cjrl-2282	76	16	demand	demand	NOUN
cjrl-2282	76	17	and	and	CCONJ
cjrl-2282	76	18	drawn	draw	VERB
cjrl-2282	76	19	on	on	ADP
cjrl-2282	76	20	a	a	DET
cjrl-2282	76	21	bank	bank	NOUN
cjrl-2282	76	22	)	)	PUNCT
cjrl-2282	76	23	.	.	PUNCT
cjrl-2282	77	1	u.c.c	u.c.c	ADP
cjrl-2282	77	2	.	.	PUNCT
cjrl-2282	78	1	§	§	PROPN
cjrl-2282	78	2	1104	1104	NUM
cjrl-2282	78	3	(	(	PUNCT
cjrl-2282	78	4	amended	amend	VERB
cjrl-2282	78	5	2002	2002	NUM
cjrl-2282	78	6	)	)	PUNCT
cjrl-2282	78	7	allows	allows	AUX
cjrl-2282	78	8	parties	party	NOUN
cjrl-2282	78	9	to	to	PART
cjrl-2282	78	10	vary	vary	VERB
cjrl-2282	78	11	this	this	DET
cjrl-2282	78	12	default	default	NOUN
cjrl-2282	78	13	rule	rule	NOUN
cjrl-2282	78	14	by	by	ADP
cjrl-2282	78	15	agreement	agreement	NOUN
cjrl-2282	78	16	,	,	PUNCT
cjrl-2282	78	17	but	but	CCONJ
cjrl-2282	78	18	there	there	PRON
cjrl-2282	78	19	is	be	VERB
cjrl-2282	78	20	no	no	DET
cjrl-2282	78	21	evidence	evidence	NOUN
cjrl-2282	78	22	that	that	SCONJ
cjrl-2282	78	23	banks	bank	NOUN
cjrl-2282	78	24	include	include	VERB
cjrl-2282	78	25	such	such	DET
cjrl-2282	78	26	a	a	DET
cjrl-2282	78	27	waiver	waiver	NOUN
cjrl-2282	78	28	in	in	ADP
cjrl-2282	78	29	their	their	PRON
cjrl-2282	78	30	customer	customer	NOUN
cjrl-2282	78	31	agreements	agreement	NOUN
cjrl-2282	78	32	,	,	PUNCT
cjrl-2282	78	33	nor	nor	CCONJ
cjrl-2282	78	34	that	that	SCONJ
cjrl-2282	78	35	they	they	PRON
cjrl-2282	78	36	honor	honor	VERB
cjrl-2282	78	37	such	such	ADJ
cjrl-2282	78	38	items	item	NOUN
cjrl-2282	78	39	.	.	PUNCT
cjrl-2282	79	1	10	10	NUM
cjrl-2282	79	2	see	see	VERB
cjrl-2282	79	3	regulation	regulation	NOUN
cjrl-2282	79	4	cc	cc	NOUN
cjrl-2282	79	5	,	,	PUNCT
cjrl-2282	79	6	12	12	NUM
cjrl-2282	79	7	c.f.r	c.f.r	NOUN
cjrl-2282	79	8	.	.	PUNCT
cjrl-2282	80	1	§	§	PROPN
cjrl-2282	80	2	229.2(k	229.2(k	PROPN
cjrl-2282	80	3	)	)	PUNCT
cjrl-2282	80	4	(	(	PUNCT
cjrl-2282	80	5	2012	2012	NUM
cjrl-2282	80	6	)	)	PUNCT
cjrl-2282	80	7	.	.	PUNCT
cjrl-2282	81	1	recent	recent	ADJ
cjrl-2282	81	2	events	event	NOUN
cjrl-2282	81	3	are	be	AUX
cjrl-2282	81	4	of	of	ADP
cjrl-2282	81	5	importance	importance	NOUN
cjrl-2282	81	6	here	here	ADV
cjrl-2282	81	7	.	.	PUNCT
cjrl-2282	82	1	one	one	NUM
cjrl-2282	82	2	of	of	ADP
cjrl-2282	82	3	my	my	PRON
cjrl-2282	82	4	proposals	proposal	NOUN
cjrl-2282	82	5	is	be	AUX
cjrl-2282	82	6	to	to	PART
cjrl-2282	82	7	redefine	redefine	VERB
cjrl-2282	82	8	the	the	DET
cjrl-2282	82	9	definition	definition	NOUN
cjrl-2282	82	10	of	of	ADP
cjrl-2282	82	11	check	check	NOUN
cjrl-2282	82	12	to	to	PART
cjrl-2282	82	13	allow	allow	VERB
cjrl-2282	82	14	consumers	consumer	NOUN
cjrl-2282	82	15	to	to	PART
cjrl-2282	82	16	choose	choose	VERB
cjrl-2282	82	17	the	the	DET
cjrl-2282	82	18	date	date	NOUN
cjrl-2282	82	19	when	when	SCONJ
cjrl-2282	82	20	the	the	DET
cjrl-2282	82	21	check	check	NOUN
cjrl-2282	82	22	will	will	AUX
cjrl-2282	82	23	become	become	VERB
cjrl-2282	82	24	payable	payable	ADJ
cjrl-2282	82	25	.	.	PUNCT
cjrl-2282	83	1	see	see	VERB
cjrl-2282	83	2	infra	infra	NOUN
cjrl-2282	83	3	section	section	NOUN
cjrl-2282	83	4	v(a	v(a	NOUN
cjrl-2282	83	5	)	)	PUNCT
cjrl-2282	83	6	and	and	CCONJ
cjrl-2282	83	7	accompanying	accompany	VERB
cjrl-2282	83	8	footnotes	footnote	NOUN
cjrl-2282	83	9	.	.	PUNCT
cjrl-2282	84	1	after	after	ADP
cjrl-2282	84	2	the	the	DET
cjrl-2282	84	3	passage	passage	NOUN
cjrl-2282	84	4	of	of	ADP
cjrl-2282	84	5	dodd	dodd	PROPN
cjrl-2282	84	6	-	-	PUNCT
cjrl-2282	84	7	frank	frank	PROPN
cjrl-2282	84	8	,	,	PUNCT
cjrl-2282	84	9	that	that	SCONJ
cjrl-2282	84	10	task	task	NOUN
cjrl-2282	84	11	is	be	AUX
cjrl-2282	84	12	not	not	PART
cjrl-2282	84	13	so	so	ADV
cjrl-2282	84	14	simple	simple	ADJ
cjrl-2282	84	15	as	as	ADP
cjrl-2282	84	16	merely	merely	ADV
cjrl-2282	84	17	petitioning	petition	VERB
cjrl-2282	84	18	the	the	DET
cjrl-2282	84	19	federal	federal	PROPN
cjrl-2282	84	20	reserve	reserve	PROPN
cjrl-2282	84	21	.	.	PUNCT
cjrl-2282	85	1	see	see	VERB
cjrl-2282	85	2	dodd	dodd	PROPN
cjrl-2282	85	3	-	-	PUNCT
cjrl-2282	85	4	frank	frank	PROPN
cjrl-2282	85	5	wall	wall	PROPN
cjrl-2282	85	6	street	street	PROPN
cjrl-2282	85	7	reform	reform	PROPN
cjrl-2282	85	8	and	and	CCONJ
cjrl-2282	85	9	consumer	consumer	NOUN
cjrl-2282	85	10	protection	protection	PROPN
cjrl-2282	85	11	act	act	PROPN
cjrl-2282	85	12	,	,	PUNCT
cjrl-2282	85	13	124	124	NUM
cjrl-2282	85	14	stat	stat	NOUN
cjrl-2282	85	15	.	.	PUNCT
cjrl-2282	86	1	1376	1376	NUM
cjrl-2282	86	2	,	,	PUNCT
cjrl-2282	86	3	public	public	ADJ
cjrl-2282	86	4	law	law	NOUN
cjrl-2282	86	5	111	111	NUM
cjrl-2282	86	6	-	-	SYM
cjrl-2282	86	7	203	203	NUM
cjrl-2282	86	8	,	,	PUNCT
cjrl-2282	86	9	§	§	PROPN
cjrl-2282	86	10	§	§	PROPN
cjrl-2282	86	11	1011	1011	NUM
cjrl-2282	86	12	,	,	PUNCT
cjrl-2282	86	13	1022	1022	NUM
cjrl-2282	86	14	(	(	PUNCT
cjrl-2282	86	15	establishing	establish	VERB
cjrl-2282	86	16	bureau	bureau	NOUN
cjrl-2282	86	17	of	of	ADP
cjrl-2282	86	18	consumer	consumer	NOUN
cjrl-2282	86	19	financial	financial	ADJ
cjrl-2282	86	20	protection	protection	NOUN
cjrl-2282	86	21	and	and	CCONJ
cjrl-2282	86	22	giving	give	VERB
cjrl-2282	86	23	it	it	PRON
cjrl-2282	86	24	rulemaking	rulemake	VERB
cjrl-2282	86	25	power	power	NOUN
cjrl-2282	86	26	over	over	ADP
cjrl-2282	86	27	federal	federal	ADJ
cjrl-2282	86	28	consumer	consumer	NOUN
cjrl-2282	86	29	financial	financial	ADJ
cjrl-2282	86	30	law	law	NOUN
cjrl-2282	86	31	)	)	PUNCT
cjrl-2282	86	32	.	.	PUNCT
cjrl-2282	87	1	11	11	NUM
cjrl-2282	87	2	u.c.c	u.c.c	NOUN
cjrl-2282	87	3	.	.	PUNCT
cjrl-2282	88	1	§	§	PROPN
cjrl-2282	88	2	§	§	PROPN
cjrl-2282	88	3	4	4	NUM
cjrl-2282	88	4	-	-	SYM
cjrl-2282	88	5	203	203	NUM
cjrl-2282	88	6	,	,	PUNCT
cjrl-2282	88	7	4	4	NUM
cjrl-2282	88	8	-	-	SYM
cjrl-2282	88	9	301	301	NUM
cjrl-2282	88	10	(	(	PUNCT
cjrl-2282	88	11	amended	amend	VERB
cjrl-2282	88	12	2002	2002	NUM
cjrl-2282	88	13	)	)	PUNCT
cjrl-2282	88	14	.	.	PUNCT
cjrl-2282	89	1	12	12	NUM
cjrl-2282	90	1	i	i	PROPN
cjrl-2282	90	2	d.	d.	PROPN
cjrl-2282	90	3	§	§	PROPN
cjrl-2282	90	4	4	4	PROPN
cjrl-2282	90	5	-	-	NUM
cjrl-2282	90	6	103(a)(10	103(a)(10	NUM
cjrl-2282	90	7	)	)	PUNCT
cjrl-2282	90	8	.	.	PUNCT
cjrl-2282	91	1	13	13	NUM
cjrl-2282	92	1	i	i	PRON
cjrl-2282	92	2	d.	d.	PROPN
cjrl-2282	92	3	§	§	PROPN
cjrl-2282	92	4	§	§	PROPN
cjrl-2282	92	5	4	4	NUM
cjrl-2282	92	6	-	-	SYM
cjrl-2282	92	7	203	203	NUM
cjrl-2282	92	8	,	,	PUNCT
cjrl-2282	92	9	4	4	NUM
cjrl-2282	92	10	-	-	SYM
cjrl-2282	92	11	302	302	NUM
cjrl-2282	92	12	.	.	PUNCT
cjrl-2282	92	13	14	14	NUM
cjrl-2282	93	1	i	i	PRON
cjrl-2282	93	2	d.	d.	PROPN
cjrl-2282	93	3	§	§	PROPN
cjrl-2282	93	4	4	4	PROPN
cjrl-2282	93	5	-	-	SYM
cjrl-2282	93	6	202	202	NUM
cjrl-2282	93	7	.	.	PUNCT
cjrl-2282	93	8	2013	2013	NUM
cjrl-2282	93	9	columbia	columbia	PROPN
cjrl-2282	93	10	journal	journal	PROPN
cjrl-2282	93	11	of	of	ADP
cjrl-2282	93	12	race	race	NOUN
cjrl-2282	93	13	and	and	CCONJ
cjrl-2282	93	14	law	law	NOUN
cjrl-2282	93	15	77	77	NUM
cjrl-2282	93	16	the	the	DET
cjrl-2282	93	17	“	"	PUNCT
cjrl-2282	93	18	midnight	midnight	NOUN
cjrl-2282	93	19	deadline	deadline	NOUN
cjrl-2282	93	20	”	"	PUNCT
cjrl-2282	93	21	rule	rule	NOUN
cjrl-2282	93	22	,	,	PUNCT
cjrl-2282	93	23	taken	take	VERB
cjrl-2282	93	24	alone	alone	ADV
cjrl-2282	93	25	,	,	PUNCT
cjrl-2282	93	26	provides	provide	VERB
cjrl-2282	93	27	no	no	DET
cjrl-2282	93	28	incentives	incentive	NOUN
cjrl-2282	93	29	for	for	SCONJ
cjrl-2282	93	30	the	the	DET
cjrl-2282	93	31	collecting	collect	VERB
cjrl-2282	93	32	banks	bank	NOUN
cjrl-2282	93	33	to	to	PART
cjrl-2282	93	34	take	take	VERB
cjrl-2282	93	35	action	action	NOUN
cjrl-2282	93	36	before	before	SCONJ
cjrl-2282	93	37	the	the	DET
cjrl-2282	93	38	expiration	expiration	NOUN
cjrl-2282	93	39	of	of	ADP
cjrl-2282	93	40	their	their	PRON
cjrl-2282	93	41	midnight	midnight	NOUN
cjrl-2282	93	42	deadline.15	deadline.15	NOUN
cjrl-2282	93	43	this	this	PRON
cjrl-2282	93	44	is	be	AUX
cjrl-2282	93	45	only	only	ADV
cjrl-2282	93	46	slightly	slightly	ADV
cjrl-2282	93	47	less	less	ADV
cjrl-2282	93	48	true	true	ADJ
cjrl-2282	93	49	for	for	ADP
cjrl-2282	93	50	the	the	DET
cjrl-2282	93	51	paying	pay	VERB
cjrl-2282	93	52	bank	bank	NOUN
cjrl-2282	93	53	—	—	PUNCT
cjrl-2282	93	54	which	which	PRON
cjrl-2282	93	55	is	be	AUX
cjrl-2282	93	56	not	not	PART
cjrl-2282	93	57	technically	technically	ADV
cjrl-2282	93	58	a	a	DET
cjrl-2282	93	59	collecting	collecting	NOUN
cjrl-2282	93	60	bank.16	bank.16	NOUN
cjrl-2282	93	61	the	the	DET
cjrl-2282	93	62	paying	pay	VERB
cjrl-2282	93	63	bank	bank	NOUN
cjrl-2282	93	64	faces	face	VERB
cjrl-2282	93	65	the	the	DET
cjrl-2282	93	66	daunting	daunt	VERB
cjrl-2282	93	67	risk	risk	NOUN
cjrl-2282	93	68	of	of	ADP
cjrl-2282	93	69	becoming	become	VERB
cjrl-2282	93	70	accountable	accountable	ADJ
cjrl-2282	93	71	for	for	ADP
cjrl-2282	93	72	the	the	DET
cjrl-2282	93	73	amount	amount	NOUN
cjrl-2282	93	74	of	of	ADP
cjrl-2282	93	75	the	the	DET
cjrl-2282	93	76	item	item	NOUN
cjrl-2282	93	77	if	if	SCONJ
cjrl-2282	93	78	it	it	PRON
cjrl-2282	93	79	has	have	AUX
cjrl-2282	93	80	not	not	PART
cjrl-2282	93	81	completed	complete	VERB
cjrl-2282	93	82	its	its	PRON
cjrl-2282	93	83	process	process	NOUN
cjrl-2282	93	84	for	for	ADP
cjrl-2282	93	85	determining	determine	VERB
cjrl-2282	93	86	whether	whether	SCONJ
cjrl-2282	93	87	the	the	DET
cjrl-2282	93	88	item	item	NOUN
cjrl-2282	93	89	is	be	AUX
cjrl-2282	93	90	properly	properly	ADV
cjrl-2282	93	91	payable	payable	ADJ
cjrl-2282	93	92	from	from	ADP
cjrl-2282	93	93	its	its	PRON
cjrl-2282	93	94	customer	customer	NOUN
cjrl-2282	93	95	’s	’s	PART
cjrl-2282	93	96	account	account	NOUN
cjrl-2282	93	97	prior	prior	ADV
cjrl-2282	93	98	to	to	ADP
cjrl-2282	93	99	the	the	DET
cjrl-2282	93	100	expiration	expiration	NOUN
cjrl-2282	93	101	of	of	ADP
cjrl-2282	93	102	its	its	PRON
cjrl-2282	93	103	midnight	midnight	NOUN
cjrl-2282	93	104	deadlines.17	deadlines.17	ADJ
cjrl-2282	93	105	collecting	collect	VERB
cjrl-2282	93	106	banks	bank	NOUN
cjrl-2282	93	107	(	(	PUNCT
cjrl-2282	93	108	including	include	VERB
cjrl-2282	93	109	the	the	DET
cjrl-2282	93	110	depositary	depositary	ADJ
cjrl-2282	93	111	bank	bank	NOUN
cjrl-2282	93	112	,	,	PUNCT
cjrl-2282	93	113	any	any	DET
cjrl-2282	93	114	intermediary	intermediary	ADJ
cjrl-2282	93	115	banks	bank	NOUN
cjrl-2282	93	116	,	,	PUNCT
cjrl-2282	93	117	and	and	CCONJ
cjrl-2282	93	118	the	the	DET
cjrl-2282	93	119	presenting	present	VERB
cjrl-2282	93	120	bank	bank	NOUN
cjrl-2282	93	121	)	)	PUNCT
cjrl-2282	93	122	,	,	PUNCT
cjrl-2282	93	123	however	however	ADV
cjrl-2282	93	124	,	,	PUNCT
cjrl-2282	93	125	are	be	AUX
cjrl-2282	93	126	only	only	ADV
cjrl-2282	93	127	liable	liable	ADJ
cjrl-2282	93	128	for	for	ADP
cjrl-2282	93	129	their	their	PRON
cjrl-2282	93	130	negligence	negligence	NOUN
cjrl-2282	93	131	,	,	PUNCT
cjrl-2282	93	132	if	if	SCONJ
cjrl-2282	93	133	any	any	PRON
cjrl-2282	93	134	,	,	PUNCT
cjrl-2282	93	135	for	for	ADP
cjrl-2282	93	136	failing	fail	VERB
cjrl-2282	93	137	to	to	PART
cjrl-2282	93	138	meet	meet	VERB
cjrl-2282	93	139	their	their	PRON
cjrl-2282	93	140	midnight	midnight	NOUN
cjrl-2282	93	141	deadlines.18	deadlines.18	VERB
cjrl-2282	93	142	under	under	ADP
cjrl-2282	93	143	u.c.c	u.c.c	NOUN
cjrl-2282	93	144	.	.	PUNCT
cjrl-2282	93	145	rules	rule	NOUN
cjrl-2282	93	146	,	,	PUNCT
cjrl-2282	93	147	for	for	ADP
cjrl-2282	93	148	the	the	DET
cjrl-2282	93	149	depositor	depositor	NOUN
cjrl-2282	93	150	awaiting	await	VERB
cjrl-2282	93	151	receipt	receipt	NOUN
cjrl-2282	93	152	of	of	ADP
cjrl-2282	93	153	the	the	DET
cjrl-2282	93	154	collected	collect	VERB
cjrl-2282	93	155	funds	fund	NOUN
cjrl-2282	93	156	,	,	PUNCT
cjrl-2282	93	157	the	the	DET
cjrl-2282	93	158	midnight	midnight	NOUN
cjrl-2282	93	159	deadline	deadline	NOUN
cjrl-2282	93	160	clock	clock	NOUN
cjrl-2282	93	161	does	do	AUX
cjrl-2282	93	162	not	not	PART
cjrl-2282	93	163	begin	begin	VERB
cjrl-2282	93	164	to	to	PART
cjrl-2282	93	165	run	run	VERB
cjrl-2282	93	166	until	until	SCONJ
cjrl-2282	93	167	the	the	DET
cjrl-2282	93	168	check	check	NOUN
cjrl-2282	93	169	is	be	AUX
cjrl-2282	93	170	actually	actually	ADV
cjrl-2282	93	171	presented	present	VERB
cjrl-2282	93	172	to	to	ADP
cjrl-2282	93	173	the	the	DET
cjrl-2282	93	174	paying	pay	VERB
cjrl-2282	93	175	bank	bank	NOUN
cjrl-2282	93	176	when	when	SCONJ
cjrl-2282	93	177	the	the	DET
cjrl-2282	93	178	demand	demand	NOUN
cjrl-2282	93	179	for	for	ADP
cjrl-2282	93	180	payment	payment	NOUN
cjrl-2282	93	181	officially	officially	ADV
cjrl-2282	93	182	occurred	occur	VERB
cjrl-2282	93	183	.	.	PUNCT
cjrl-2282	94	1	as	as	ADP
cjrl-2282	94	2	an	an	DET
cjrl-2282	94	3	example	example	NOUN
cjrl-2282	94	4	,	,	PUNCT
cjrl-2282	94	5	the	the	DET
cjrl-2282	94	6	following	follow	VERB
cjrl-2282	94	7	is	be	AUX
cjrl-2282	94	8	an	an	DET
cjrl-2282	94	9	illustration	illustration	NOUN
cjrl-2282	94	10	of	of	ADP
cjrl-2282	94	11	a	a	DET
cjrl-2282	94	12	short	short	ADJ
cjrl-2282	94	13	check	check	NOUN
cjrl-2282	94	14	collection	collection	NOUN
cjrl-2282	94	15	involving	involve	VERB
cjrl-2282	94	16	two	two	NUM
cjrl-2282	94	17	intermediary	intermediary	ADJ
cjrl-2282	94	18	collecting	collect	VERB
cjrl-2282	94	19	banks	bank	NOUN
cjrl-2282	94	20	on	on	ADP
cjrl-2282	94	21	opposite	opposite	ADJ
cjrl-2282	94	22	coasts	coast	NOUN
cjrl-2282	94	23	.	.	PUNCT
cjrl-2282	95	1	the	the	DET
cjrl-2282	95	2	length	length	NOUN
cjrl-2282	95	3	of	of	ADP
cjrl-2282	95	4	the	the	DET
cjrl-2282	95	5	wait	wait	NOUN
cjrl-2282	95	6	for	for	SCONJ
cjrl-2282	95	7	the	the	DET
cjrl-2282	95	8	payment	payment	NOUN
cjrl-2282	95	9	decision	decision	NOUN
cjrl-2282	95	10	depended	depend	VERB
cjrl-2282	95	11	on	on	ADP
cjrl-2282	95	12	how	how	SCONJ
cjrl-2282	95	13	many	many	ADJ
cjrl-2282	95	14	banks	bank	NOUN
cjrl-2282	95	15	were	be	AUX
cjrl-2282	95	16	involved	involve	VERB
cjrl-2282	95	17	in	in	ADP
cjrl-2282	95	18	the	the	DET
cjrl-2282	95	19	collection	collection	NOUN
cjrl-2282	95	20	,	,	PUNCT
cjrl-2282	95	21	but	but	CCONJ
cjrl-2282	95	22	could	could	AUX
cjrl-2282	95	23	generally	generally	ADV
cjrl-2282	95	24	be	be	AUX
cjrl-2282	95	25	reduced	reduce	VERB
cjrl-2282	95	26	to	to	ADP
cjrl-2282	95	27	the	the	DET
cjrl-2282	95	28	formula	formula	NOUN
cjrl-2282	95	29	2x	2x	NUM
cjrl-2282	96	1	=	=	SYM
cjrl-2282	96	2	d	d	NOUN
cjrl-2282	96	3	,	,	PUNCT
cjrl-2282	96	4	where	where	SCONJ
cjrl-2282	96	5	x	x	PRON
cjrl-2282	96	6	is	be	AUX
cjrl-2282	96	7	the	the	DET
cjrl-2282	96	8	number	number	NOUN
cjrl-2282	96	9	of	of	ADP
cjrl-2282	96	10	collecting	collect	VERB
cjrl-2282	96	11	banks	bank	NOUN
cjrl-2282	96	12	and	and	CCONJ
cjrl-2282	96	13	d	d	NOUN
cjrl-2282	96	14	is	be	AUX
cjrl-2282	96	15	the	the	DET
cjrl-2282	96	16	number	number	NOUN
cjrl-2282	96	17	of	of	ADP
cjrl-2282	96	18	days	day	NOUN
cjrl-2282	96	19	the	the	DET
cjrl-2282	96	20	payee	payee	NOUN
cjrl-2282	96	21	must	must	AUX
cjrl-2282	96	22	wait	wait	VERB
cjrl-2282	96	23	for	for	ADP
cjrl-2282	96	24	payment	payment	NOUN
cjrl-2282	96	25	.	.	PUNCT
cjrl-2282	97	1	the	the	DET
cjrl-2282	97	2	paying	pay	VERB
cjrl-2282	97	3	bank	bank	NOUN
cjrl-2282	97	4	will	will	AUX
cjrl-2282	97	5	generally	generally	ADV
cjrl-2282	97	6	have	have	VERB
cjrl-2282	97	7	two	two	NUM
cjrl-2282	97	8	days	day	NOUN
cjrl-2282	97	9	instead	instead	ADV
cjrl-2282	97	10	of	of	ADP
cjrl-2282	97	11	one	one	NUM
cjrl-2282	97	12	because	because	SCONJ
cjrl-2282	97	13	the	the	DET
cjrl-2282	97	14	rule	rule	NOUN
cjrl-2282	97	15	that	that	SCONJ
cjrl-2282	97	16	they	they	PRON
cjrl-2282	97	17	must	must	AUX
cjrl-2282	97	18	make	make	VERB
cjrl-2282	97	19	a	a	DET
cjrl-2282	97	20	final	final	ADJ
cjrl-2282	97	21	payment	payment	NOUN
cjrl-2282	97	22	decision	decision	NOUN
cjrl-2282	97	23	by	by	ADP
cjrl-2282	97	24	midnight	midnight	NOUN
cjrl-2282	97	25	of	of	ADP
cjrl-2282	97	26	the	the	DET
cjrl-2282	97	27	banking	banking	NOUN
cjrl-2282	97	28	day	day	NOUN
cjrl-2282	97	29	of	of	ADP
cjrl-2282	97	30	receipt	receipt	NOUN
cjrl-2282	97	31	is	be	AUX
cjrl-2282	97	32	extended	extend	VERB
cjrl-2282	97	33	until	until	ADP
cjrl-2282	97	34	their	their	PRON
cjrl-2282	97	35	real	real	ADJ
cjrl-2282	97	36	midnight	midnight	NOUN
cjrl-2282	97	37	deadline	deadline	NOUN
cjrl-2282	97	38	if	if	SCONJ
cjrl-2282	97	39	they	they	PRON
cjrl-2282	97	40	give	give	VERB
cjrl-2282	97	41	provisional	provisional	ADJ
cjrl-2282	97	42	credit	credit	NOUN
cjrl-2282	97	43	on	on	ADP
cjrl-2282	97	44	that	that	DET
cjrl-2282	97	45	day	day	NOUN
cjrl-2282	97	46	.	.	PUNCT
cjrl-2282	98	1	thus	thus	ADV
cjrl-2282	98	2	,	,	PUNCT
cjrl-2282	98	3	in	in	ADP
cjrl-2282	98	4	a	a	DET
cjrl-2282	98	5	transaction	transaction	NOUN
cjrl-2282	98	6	involving	involve	VERB
cjrl-2282	98	7	a	a	DET
cjrl-2282	98	8	depositary	depositary	ADJ
cjrl-2282	98	9	bank	bank	NOUN
cjrl-2282	98	10	,	,	PUNCT
cjrl-2282	98	11	a	a	DET
cjrl-2282	98	12	paying	pay	VERB
cjrl-2282	98	13	bank	bank	NOUN
cjrl-2282	98	14	,	,	PUNCT
cjrl-2282	98	15	and	and	CCONJ
cjrl-2282	98	16	two	two	NUM
cjrl-2282	98	17	federal	federal	PROPN
cjrl-2282	98	18	reserve	reserve	PROPN
cjrl-2282	98	19	bank	bank	PROPN
cjrl-2282	98	20	branches	branch	NOUN
cjrl-2282	98	21	on	on	ADP
cjrl-2282	98	22	opposite	opposite	ADJ
cjrl-2282	98	23	coasts	coast	NOUN
cjrl-2282	98	24	as	as	ADV
cjrl-2282	98	25	well	well	ADV
cjrl-2282	98	26	as	as	ADP
cjrl-2282	98	27	an	an	DET
cjrl-2282	98	28	additional	additional	ADJ
cjrl-2282	98	29	intermediary	intermediary	ADJ
cjrl-2282	98	30	bank	bank	NOUN
cjrl-2282	98	31	on	on	ADP
cjrl-2282	98	32	either	either	DET
cjrl-2282	98	33	coast	coast	NOUN
cjrl-2282	98	34	,	,	PUNCT
cjrl-2282	98	35	the	the	DET
cjrl-2282	98	36	average	average	ADJ
cjrl-2282	98	37	length	length	NOUN
cjrl-2282	98	38	of	of	ADP
cjrl-2282	98	39	time	time	NOUN
cjrl-2282	98	40	that	that	PRON
cjrl-2282	98	41	elapsed	elapse	VERB
cjrl-2282	98	42	between	between	ADP
cjrl-2282	98	43	the	the	DET
cjrl-2282	98	44	date	date	NOUN
cjrl-2282	98	45	of	of	ADP
cjrl-2282	98	46	deposit	deposit	NOUN
cjrl-2282	98	47	and	and	CCONJ
cjrl-2282	98	48	the	the	DET
cjrl-2282	98	49	date	date	NOUN
cjrl-2282	98	50	of	of	ADP
cjrl-2282	98	51	expiration	expiration	NOUN
cjrl-2282	98	52	of	of	ADP
cjrl-2282	98	53	the	the	DET
cjrl-2282	98	54	drawee	drawee	NOUN
cjrl-2282	98	55	’s	’s	PART
cjrl-2282	98	56	midnight	midnight	NOUN
cjrl-2282	98	57	deadline	deadline	NOUN
cjrl-2282	98	58	under	under	ADP
cjrl-2282	98	59	article	article	NOUN
cjrl-2282	98	60	4	4	NUM
cjrl-2282	98	61	was	be	AUX
cjrl-2282	98	62	usually	usually	ADV
cjrl-2282	98	63	more	more	ADJ
cjrl-2282	98	64	than	than	ADP
cjrl-2282	98	65	ten	ten	NUM
cjrl-2282	98	66	days.19	days.19	NOUN
cjrl-2282	98	67	historically	historically	ADV
cjrl-2282	98	68	,	,	PUNCT
cjrl-2282	98	69	the	the	DET
cjrl-2282	98	70	u.c.c	u.c.c	NOUN
cjrl-2282	98	71	.	.	PUNCT
cjrl-2282	99	1	required	require	VERB
cjrl-2282	99	2	privity	privity	NOUN
cjrl-2282	99	3	among	among	ADP
cjrl-2282	99	4	the	the	DET
cjrl-2282	99	5	parties	party	NOUN
cjrl-2282	99	6	to	to	ADP
cjrl-2282	99	7	a	a	DET
cjrl-2282	99	8	check	check	NOUN
cjrl-2282	99	9	,	,	PUNCT
cjrl-2282	99	10	including	include	VERB
cjrl-2282	99	11	all	all	PRON
cjrl-2282	99	12	of	of	ADP
cjrl-2282	99	13	the	the	DET
cjrl-2282	99	14	banks	bank	NOUN
cjrl-2282	99	15	involved	involve	VERB
cjrl-2282	99	16	in	in	ADP
cjrl-2282	99	17	the	the	DET
cjrl-2282	99	18	collection	collection	NOUN
cjrl-2282	99	19	and	and	CCONJ
cjrl-2282	99	20	payment	payment	NOUN
cjrl-2282	99	21	process	process	NOUN
cjrl-2282	99	22	.	.	PUNCT
cjrl-2282	100	1	this	this	DET
cjrl-2282	100	2	requirement	requirement	NOUN
cjrl-2282	100	3	,	,	PUNCT
cjrl-2282	100	4	in	in	ADP
cjrl-2282	100	5	conjunction	conjunction	NOUN
cjrl-2282	100	6	with	with	ADP
cjrl-2282	100	7	the	the	DET
cjrl-2282	100	8	liberal	liberal	ADJ
cjrl-2282	100	9	midnight	midnight	NOUN
cjrl-2282	100	10	deadline	deadline	NOUN
cjrl-2282	100	11	timing	timing	NOUN
cjrl-2282	100	12	of	of	ADP
cjrl-2282	100	13	payment	payment	NOUN
cjrl-2282	100	14	rule	rule	NOUN
cjrl-2282	100	15	,	,	PUNCT
cjrl-2282	100	16	complicated	complicate	VERB
cjrl-2282	100	17	the	the	DET
cjrl-2282	100	18	relationships	relationship	NOUN
cjrl-2282	100	19	among	among	ADP
cjrl-2282	100	20	the	the	DET
cjrl-2282	100	21	collecting	collecting	NOUN
cjrl-2282	100	22	and	and	CCONJ
cjrl-2282	100	23	paying	pay	VERB
cjrl-2282	100	24	banks	bank	NOUN
cjrl-2282	100	25	,	,	PUNCT
cjrl-2282	100	26	and	and	CCONJ
cjrl-2282	100	27	added	add	VERB
cjrl-2282	100	28	more	more	ADJ
cjrl-2282	100	29	time	time	NOUN
cjrl-2282	100	30	to	to	ADP
cjrl-2282	100	31	the	the	DET
cjrl-2282	100	32	already	already	ADV
cjrl-2282	100	33	cumbersome	cumbersome	ADJ
cjrl-2282	100	34	collections	collection	NOUN
cjrl-2282	100	35	process	process	NOUN
cjrl-2282	100	36	.	.	PUNCT
cjrl-2282	101	1	consequently	consequently	ADV
cjrl-2282	101	2	,	,	PUNCT
cjrl-2282	101	3	despite	despite	SCONJ
cjrl-2282	101	4	the	the	DET
cjrl-2282	101	5	fact	fact	NOUN
cjrl-2282	101	6	that	that	SCONJ
cjrl-2282	101	7	checks	check	NOUN
cjrl-2282	101	8	are	be	AUX
cjrl-2282	101	9	demand	demand	NOUN
cjrl-2282	101	10	instruments	instrument	NOUN
cjrl-2282	101	11	,	,	PUNCT
cjrl-2282	101	12	because	because	SCONJ
cjrl-2282	101	13	of	of	ADP
cjrl-2282	101	14	the	the	DET
cjrl-2282	101	15	logistics	logistic	NOUN
cjrl-2282	101	16	of	of	ADP
cjrl-2282	101	17	the	the	DET
cjrl-2282	101	18	national	national	PROPN
cjrl-2282	101	19	bank	bank	PROPN
cjrl-2282	101	20	check	check	NOUN
cjrl-2282	101	21	collections	collection	NOUN
cjrl-2282	101	22	system	system	NOUN
cjrl-2282	101	23	,	,	PUNCT
cjrl-2282	101	24	they	they	PRON
cjrl-2282	101	25	were	be	AUX
cjrl-2282	101	26	never	never	ADV
cjrl-2282	101	27	capable	capable	ADJ
cjrl-2282	101	28	of	of	ADP
cjrl-2282	101	29	being	be	AUX
cjrl-2282	101	30	paid	pay	VERB
cjrl-2282	101	31	immediately	immediately	ADV
cjrl-2282	101	32	—	—	PUNCT
cjrl-2282	101	33	neither	neither	CCONJ
cjrl-2282	101	34	as	as	ADP
cjrl-2282	101	35	a	a	DET
cjrl-2282	101	36	practical	practical	ADJ
cjrl-2282	101	37	matter	matter	NOUN
cjrl-2282	101	38	nor	nor	CCONJ
cjrl-2282	101	39	under	under	ADP
cjrl-2282	101	40	the	the	DET
cjrl-2282	101	41	applicable	applicable	ADJ
cjrl-2282	101	42	u.c.c	u.c.c	NOUN
cjrl-2282	101	43	.	.	PUNCT
cjrl-2282	101	44	rules	rule	NOUN
cjrl-2282	101	45	.	.	PUNCT
cjrl-2282	102	1	the	the	DET
cjrl-2282	102	2	problems	problem	NOUN
cjrl-2282	102	3	caused	cause	VERB
cjrl-2282	102	4	by	by	ADP
cjrl-2282	102	5	this	this	DET
cjrl-2282	102	6	slow	slow	ADJ
cjrl-2282	102	7	process	process	NOUN
cjrl-2282	102	8	were	be	AUX
cjrl-2282	102	9	not	not	PART
cjrl-2282	102	10	limited	limit	VERB
cjrl-2282	102	11	to	to	ADP
cjrl-2282	102	12	their	their	PRON
cjrl-2282	102	13	effects	effect	NOUN
cjrl-2282	102	14	on	on	ADP
cjrl-2282	102	15	consumers	consumer	NOUN
cjrl-2282	102	16	.	.	PUNCT
cjrl-2282	103	1	the	the	DET
cjrl-2282	103	2	old	old	ADJ
cjrl-2282	103	3	check	check	NOUN
cjrl-2282	103	4	collection	collection	NOUN
cjrl-2282	103	5	rules	rule	NOUN
cjrl-2282	103	6	also	also	ADV
cjrl-2282	103	7	produced	produce	VERB
cjrl-2282	103	8	problems	problem	NOUN
cjrl-2282	103	9	associated	associate	VERB
cjrl-2282	103	10	with	with	ADP
cjrl-2282	103	11	a	a	DET
cjrl-2282	103	12	financial	financial	ADJ
cjrl-2282	103	13	concept	concept	NOUN
cjrl-2282	103	14	called	call	VERB
cjrl-2282	103	15	“	"	PUNCT
cjrl-2282	103	16	float	float	NOUN
cjrl-2282	103	17	.	.	PUNCT
cjrl-2282	103	18	”	"	PUNCT
cjrl-2282	104	1	in	in	ADP
cjrl-2282	104	2	general	general	ADJ
cjrl-2282	104	3	,	,	PUNCT
cjrl-2282	104	4	float	float	NOUN
cjrl-2282	104	5	results	result	NOUN
cjrl-2282	104	6	when	when	SCONJ
cjrl-2282	104	7	a	a	DET
cjrl-2282	104	8	bank	bank	NOUN
cjrl-2282	104	9	is	be	AUX
cjrl-2282	104	10	credited	credit	VERB
cjrl-2282	104	11	with	with	ADP
cjrl-2282	104	12	funds	fund	NOUN
cjrl-2282	104	13	before	before	SCONJ
cjrl-2282	104	14	they	they	PRON
cjrl-2282	104	15	are	be	AUX
cjrl-2282	104	16	disbursed	disburse	VERB
cjrl-2282	104	17	from	from	ADP
cjrl-2282	104	18	a	a	DET
cjrl-2282	104	19	payee	payee	NOUN
cjrl-2282	104	20	’s	’s	PART
cjrl-2282	104	21	account	account	NOUN
cjrl-2282	104	22	.	.	PUNCT
cjrl-2282	105	1	one	one	NUM
cjrl-2282	105	2	specific	specific	ADJ
cjrl-2282	105	3	consequence	consequence	NOUN
cjrl-2282	105	4	of	of	ADP
cjrl-2282	105	5	bank	bank	NOUN
cjrl-2282	105	6	float	float	NOUN
cjrl-2282	105	7	that	that	SCONJ
cjrl-2282	105	8	concerned	concern	VERB
cjrl-2282	105	9	the	the	DET
cjrl-2282	105	10	federal	federal	PROPN
cjrl-2282	105	11	reserve	reserve	PROPN
cjrl-2282	105	12	bank	bank	PROPN
cjrl-2282	105	13	governing	governing	NOUN
cjrl-2282	105	14	board	board	NOUN
cjrl-2282	105	15	is	be	AUX
cjrl-2282	105	16	that	that	SCONJ
cjrl-2282	105	17	the	the	DET
cjrl-2282	105	18	funds	fund	NOUN
cjrl-2282	105	19	associated	associate	VERB
cjrl-2282	105	20	with	with	ADP
cjrl-2282	105	21	checks	check	NOUN
cjrl-2282	105	22	in	in	ADP
cjrl-2282	105	23	the	the	DET
cjrl-2282	105	24	collections	collection	NOUN
cjrl-2282	105	25	system	system	NOUN
cjrl-2282	105	26	were	be	AUX
cjrl-2282	105	27	being	be	AUX
cjrl-2282	105	28	accounted	account	VERB
cjrl-2282	105	29	for	for	ADP
cjrl-2282	105	30	in	in	ADP
cjrl-2282	105	31	the	the	DET
cjrl-2282	105	32	accounts	account	NOUN
cjrl-2282	105	33	of	of	ADP
cjrl-2282	105	34	multiple	multiple	ADJ
cjrl-2282	105	35	banks	bank	NOUN
cjrl-2282	105	36	,	,	PUNCT
cjrl-2282	105	37	simultaneously	simultaneously	ADV
cjrl-2282	105	38	.	.	PUNCT
cjrl-2282	106	1	this	this	PRON
cjrl-2282	106	2	is	be	AUX
cjrl-2282	106	3	due	due	ADJ
cjrl-2282	106	4	to	to	ADP
cjrl-2282	106	5	the	the	DET
cjrl-2282	106	6	banking	banking	NOUN
cjrl-2282	106	7	industry	industry	NOUN
cjrl-2282	106	8	’s	’s	PART
cjrl-2282	106	9	practice	practice	NOUN
cjrl-2282	106	10	of	of	ADP
cjrl-2282	106	11	booking	book	VERB
cjrl-2282	106	12	provisional	provisional	ADJ
cjrl-2282	106	13	(	(	PUNCT
cjrl-2282	106	14	temporary	temporary	ADJ
cjrl-2282	106	15	revocable	revocable	ADJ
cjrl-2282	106	16	)	)	PUNCT
cjrl-2282	106	17	credit	credit	NOUN
cjrl-2282	106	18	for	for	ADP
cjrl-2282	106	19	checks	check	NOUN
cjrl-2282	106	20	on	on	ADP
cjrl-2282	106	21	the	the	DET
cjrl-2282	106	22	presumption	presumption	NOUN
cjrl-2282	106	23	that	that	SCONJ
cjrl-2282	106	24	they	they	PRON
cjrl-2282	106	25	will	will	AUX
cjrl-2282	106	26	be	be	AUX
cjrl-2282	106	27	honored	honor	VERB
cjrl-2282	106	28	when	when	SCONJ
cjrl-2282	106	29	presented	present	VERB
cjrl-2282	106	30	to	to	ADP
cjrl-2282	106	31	the	the	DET
cjrl-2282	106	32	paying	pay	VERB
cjrl-2282	106	33	bank	bank	NOUN
cjrl-2282	106	34	for	for	ADP
cjrl-2282	106	35	payment	payment	NOUN
cjrl-2282	106	36	.	.	PUNCT
cjrl-2282	107	1	this	this	DET
cjrl-2282	107	2	approach	approach	NOUN
cjrl-2282	107	3	,	,	PUNCT
cjrl-2282	107	4	through	through	ADP
cjrl-2282	107	5	which	which	PRON
cjrl-2282	107	6	the	the	DET
cjrl-2282	107	7	banks	bank	NOUN
cjrl-2282	107	8	account	account	VERB
cjrl-2282	107	9	for	for	ADP
cjrl-2282	107	10	the	the	DET
cjrl-2282	107	11	value	value	NOUN
cjrl-2282	107	12	of	of	ADP
cjrl-2282	107	13	checks	check	NOUN
cjrl-2282	107	14	while	while	SCONJ
cjrl-2282	107	15	they	they	PRON
cjrl-2282	107	16	move	move	VERB
cjrl-2282	107	17	through	through	ADP
cjrl-2282	107	18	the	the	DET
cjrl-2282	107	19	collection	collection	NOUN
cjrl-2282	107	20	process	process	NOUN
cjrl-2282	107	21	,	,	PUNCT
cjrl-2282	107	22	while	while	SCONJ
cjrl-2282	107	23	efficient	efficient	ADJ
cjrl-2282	107	24	from	from	ADP
cjrl-2282	107	25	an	an	DET
cjrl-2282	107	26	accounting	accounting	NOUN
cjrl-2282	107	27	entry	entry	NOUN
cjrl-2282	107	28	viewpoint	viewpoint	NOUN
cjrl-2282	107	29	,	,	PUNCT
cjrl-2282	107	30	created	create	VERB
cjrl-2282	107	31	a	a	DET
cjrl-2282	107	32	problematic	problematic	ADJ
cjrl-2282	107	33	inflationary	inflationary	ADJ
cjrl-2282	107	34	impact	impact	NOUN
cjrl-2282	107	35	insofar	insofar	ADV
cjrl-2282	107	36	as	as	SCONJ
cjrl-2282	107	37	it	it	PRON
cjrl-2282	107	38	distorted	distort	VERB
cjrl-2282	107	39	the	the	DET
cjrl-2282	107	40	actual	actual	ADJ
cjrl-2282	107	41	balances	balance	NOUN
cjrl-2282	107	42	of	of	ADP
cjrl-2282	107	43	money	money	NOUN
cjrl-2282	107	44	on	on	ADP
cjrl-2282	107	45	deposit	deposit	NOUN
cjrl-2282	107	46	throughout	throughout	ADP
cjrl-2282	107	47	the	the	DET
cjrl-2282	107	48	u.s	u.s	PROPN
cjrl-2282	107	49	.	.	PROPN
cjrl-2282	107	50	monetary	monetary	ADJ
cjrl-2282	107	51	system	system	NOUN
cjrl-2282	107	52	at	at	ADP
cjrl-2282	107	53	any	any	DET
cjrl-2282	107	54	given	give	VERB
cjrl-2282	107	55	moment	moment	NOUN
cjrl-2282	107	56	.	.	PUNCT
cjrl-2282	108	1	this	this	DET
cjrl-2282	108	2	type	type	NOUN
cjrl-2282	108	3	of	of	ADP
cjrl-2282	108	4	float	float	NOUN
cjrl-2282	108	5	results	result	NOUN
cjrl-2282	108	6	from	from	ADP
cjrl-2282	108	7	the	the	DET
cjrl-2282	108	8	fact	fact	NOUN
cjrl-2282	108	9	that	that	SCONJ
cjrl-2282	108	10	funds	fund	NOUN
cjrl-2282	108	11	behind	behind	ADP
cjrl-2282	108	12	each	each	DET
cjrl-2282	108	13	check	check	NOUN
cjrl-2282	108	14	were	be	AUX
cjrl-2282	108	15	concurrently	concurrently	ADV
cjrl-2282	108	16	reflected	reflect	VERB
cjrl-2282	108	17	in	in	ADP
cjrl-2282	108	18	the	the	DET
cjrl-2282	108	19	account	account	NOUN
cjrl-2282	108	20	balances	balance	NOUN
cjrl-2282	108	21	of	of	ADP
cjrl-2282	108	22	all	all	PRON
cjrl-2282	108	23	of	of	ADP
cjrl-2282	108	24	the	the	DET
cjrl-2282	108	25	banks	bank	NOUN
cjrl-2282	108	26	(	(	PUNCT
cjrl-2282	108	27	depositary	depositary	ADJ
cjrl-2282	108	28	,	,	PUNCT
cjrl-2282	108	29	collecting	collecting	NOUN
cjrl-2282	108	30	,	,	PUNCT
cjrl-2282	108	31	and	and	CCONJ
cjrl-2282	108	32	paying	pay	VERB
cjrl-2282	108	33	)	)	PUNCT
cjrl-2282	108	34	during	during	ADP
cjrl-2282	108	35	the	the	DET
cjrl-2282	108	36	collection	collection	NOUN
cjrl-2282	108	37	process	process	NOUN
cjrl-2282	108	38	.	.	PUNCT
cjrl-2282	109	1	consequently	consequently	ADV
cjrl-2282	109	2	,	,	PUNCT
cjrl-2282	109	3	this	this	PRON
cjrl-2282	109	4	float	float	VERB
cjrl-2282	109	5	15	15	NUM
cjrl-2282	110	1	i	i	NOUN
cjrl-2282	110	2	d.	d.	PROPN
cjrl-2282	110	3	16	16	NUM
cjrl-2282	111	1	i	i	PRON
cjrl-2282	111	2	d.	d.	PROPN
cjrl-2282	111	3	§	§	PROPN
cjrl-2282	111	4	4	4	PROPN
cjrl-2282	111	5	-	-	SYM
cjrl-2282	111	6	105(3)–(5	105(3)–(5	NUM
cjrl-2282	111	7	)	)	PUNCT
cjrl-2282	111	8	.	.	PUNCT
cjrl-2282	112	1	17	17	NUM
cjrl-2282	112	2	u.c.c	u.c.c	NOUN
cjrl-2282	112	3	.	.	PUNCT
cjrl-2282	113	1	§	§	PROPN
cjrl-2282	113	2	§	§	PROPN
cjrl-2282	113	3	4	4	NUM
cjrl-2282	113	4	-	-	NUM
cjrl-2282	113	5	301–4	301–4	NUM
cjrl-2282	113	6	-	-	SYM
cjrl-2282	113	7	302	302	NUM
cjrl-2282	113	8	(	(	PUNCT
cjrl-2282	113	9	amended	amend	VERB
cjrl-2282	113	10	2002	2002	NUM
cjrl-2282	113	11	)	)	PUNCT
cjrl-2282	113	12	.	.	PUNCT
cjrl-2282	114	1	18	18	NUM
cjrl-2282	115	1	i	i	PROPN
cjrl-2282	115	2	d.	d.	PROPN
cjrl-2282	115	3	§	§	PROPN
cjrl-2282	115	4	§	§	PROPN
cjrl-2282	115	5	4	4	NUM
cjrl-2282	115	6	-	-	SYM
cjrl-2282	115	7	105	105	NUM
cjrl-2282	115	8	,	,	PUNCT
cjrl-2282	115	9	4	4	NUM
cjrl-2282	115	10	-	-	SYM
cjrl-2282	115	11	202	202	NUM
cjrl-2282	115	12	,	,	PUNCT
cjrl-2282	115	13	4	4	NUM
cjrl-2282	115	14	-	-	SYM
cjrl-2282	115	15	203	203	NUM
cjrl-2282	115	16	.	.	PUNCT
cjrl-2282	115	17	19	19	NUM
cjrl-2282	115	18	2	2	NUM
cjrl-2282	115	19	days	day	NOUN
cjrl-2282	115	20	x	x	SYM
cjrl-2282	115	21	5	5	NUM
cjrl-2282	115	22	banks	bank	NOUN
cjrl-2282	115	23	=	=	NOUN
cjrl-2282	115	24	10	10	NUM
cjrl-2282	115	25	days	day	NOUN
cjrl-2282	115	26	.	.	PUNCT
cjrl-2282	116	1	78	78	NUM
cjrl-2282	116	2	checking	check	VERB
cjrl-2282	116	3	out	out	ADP
cjrl-2282	116	4	the	the	DET
cjrl-2282	116	5	exception	exception	NOUN
cjrl-2282	116	6	to	to	ADP
cjrl-2282	116	7	3	3	NUM
cjrl-2282	116	8	-	-	SYM
cjrl-2282	116	9	104	104	NUM
cjrl-2282	116	10	vol	vol	NOUN
cjrl-2282	116	11	.	.	PUNCT
cjrl-2282	116	12	3:1	3:1	NUM
cjrl-2282	116	13	artificially	artificially	ADV
cjrl-2282	116	14	inflates	inflate	VERB
cjrl-2282	116	15	the	the	DET
cjrl-2282	116	16	size	size	NOUN
cjrl-2282	116	17	supply	supply	NOUN
cjrl-2282	116	18	of	of	ADP
cjrl-2282	116	19	money	money	NOUN
cjrl-2282	116	20	in	in	ADP
cjrl-2282	116	21	the	the	DET
cjrl-2282	116	22	banking	banking	NOUN
cjrl-2282	116	23	system20	system20	NOUN
cjrl-2282	116	24	and	and	CCONJ
cjrl-2282	116	25	necessarily	necessarily	ADV
cjrl-2282	116	26	affects	affect	VERB
cjrl-2282	116	27	the	the	DET
cjrl-2282	116	28	federal	federal	PROPN
cjrl-2282	116	29	reserve	reserve	PROPN
cjrl-2282	116	30	governing	govern	VERB
cjrl-2282	116	31	board	board	NOUN
cjrl-2282	116	32	's	's	PART
cjrl-2282	116	33	determination	determination	NOUN
cjrl-2282	116	34	of	of	ADP
cjrl-2282	116	35	monetary	monetary	ADJ
cjrl-2282	116	36	policy.21	policy.21	NOUN
cjrl-2282	116	37	this	this	PRON
cjrl-2282	116	38	was	be	AUX
cjrl-2282	116	39	the	the	DET
cjrl-2282	116	40	confluence	confluence	NOUN
cjrl-2282	116	41	of	of	ADP
cjrl-2282	116	42	problems	problem	NOUN
cjrl-2282	116	43	that	that	PRON
cjrl-2282	116	44	the	the	DET
cjrl-2282	116	45	u.c.c	u.c.c	NOUN
cjrl-2282	116	46	.	.	PUNCT
cjrl-2282	117	1	could	could	AUX
cjrl-2282	117	2	not	not	PART
cjrl-2282	117	3	,	,	PUNCT
cjrl-2282	117	4	or	or	CCONJ
cjrl-2282	117	5	would	would	AUX
cjrl-2282	117	6	not	not	PART
cjrl-2282	117	7	,	,	PUNCT
cjrl-2282	117	8	address	address	VERB
cjrl-2282	117	9	that	that	PRON
cjrl-2282	117	10	eventually	eventually	ADV
cjrl-2282	117	11	led	lead	VERB
cjrl-2282	117	12	to	to	ADP
cjrl-2282	117	13	federal	federal	ADJ
cjrl-2282	117	14	intervention	intervention	NOUN
cjrl-2282	117	15	by	by	ADP
cjrl-2282	117	16	congress	congress	PROPN
cjrl-2282	117	17	.	.	PUNCT
cjrl-2282	118	1	consumer	consumer	NOUN
cjrl-2282	118	2	protection	protection	NOUN
cjrl-2282	118	3	activists	activist	NOUN
cjrl-2282	118	4	and	and	CCONJ
cjrl-2282	118	5	the	the	DET
cjrl-2282	118	6	federal	federal	PROPN
cjrl-2282	118	7	reserve	reserve	PROPN
cjrl-2282	118	8	governing	governing	PROPN
cjrl-2282	118	9	board	board	NOUN
cjrl-2282	118	10	,	,	PUNCT
cjrl-2282	118	11	for	for	ADP
cjrl-2282	118	12	their	their	PRON
cjrl-2282	118	13	respective	respective	ADJ
cjrl-2282	118	14	reasons	reason	NOUN
cjrl-2282	118	15	,	,	PUNCT
cjrl-2282	118	16	sought	seek	VERB
cjrl-2282	118	17	reform	reform	NOUN
cjrl-2282	118	18	of	of	ADP
cjrl-2282	118	19	the	the	DET
cjrl-2282	118	20	check	check	NOUN
cjrl-2282	118	21	collection	collection	NOUN
cjrl-2282	118	22	process	process	NOUN
cjrl-2282	118	23	in	in	ADP
cjrl-2282	118	24	part	part	NOUN
cjrl-2282	118	25	out	out	ADP
cjrl-2282	118	26	of	of	ADP
cjrl-2282	118	27	frustration	frustration	NOUN
cjrl-2282	118	28	with	with	ADP
cjrl-2282	118	29	the	the	DET
cjrl-2282	118	30	inaction	inaction	NOUN
cjrl-2282	118	31	of	of	ADP
cjrl-2282	118	32	state	state	NOUN
cjrl-2282	118	33	legislatures	legislature	NOUN
cjrl-2282	118	34	and	and	CCONJ
cjrl-2282	118	35	the	the	DET
cjrl-2282	118	36	national	national	ADJ
cjrl-2282	118	37	conference	conference	NOUN
cjrl-2282	118	38	of	of	ADP
cjrl-2282	118	39	commissioners	commissioner	NOUN
cjrl-2282	118	40	on	on	ADP
cjrl-2282	118	41	uniform	uniform	ADJ
cjrl-2282	118	42	state	state	NOUN
cjrl-2282	118	43	law	law	NOUN
cjrl-2282	118	44	,	,	PUNCT
cjrl-2282	118	45	which	which	PRON
cjrl-2282	118	46	had	have	AUX
cjrl-2282	118	47	recently	recently	ADV
cjrl-2282	118	48	revised	revise	VERB
cjrl-2282	118	49	u.c.c	u.c.c	ADP
cjrl-2282	118	50	.	.	PUNCT
cjrl-2282	119	1	articles	article	NOUN
cjrl-2282	119	2	3	3	NUM
cjrl-2282	119	3	and	and	CCONJ
cjrl-2282	119	4	4	4	NUM
cjrl-2282	119	5	extensively	extensively	ADV
cjrl-2282	119	6	without	without	ADP
cjrl-2282	119	7	changing	change	VERB
cjrl-2282	119	8	the	the	DET
cjrl-2282	119	9	midnight	midnight	NOUN
cjrl-2282	119	10	deadline	deadline	NOUN
cjrl-2282	119	11	collection	collection	NOUN
cjrl-2282	119	12	and	and	CCONJ
cjrl-2282	119	13	payment	payment	NOUN
cjrl-2282	119	14	timing	timing	NOUN
cjrl-2282	119	15	rules	rule	NOUN
cjrl-2282	119	16	.	.	PUNCT
cjrl-2282	120	1	moreover	moreover	ADV
cjrl-2282	120	2	,	,	PUNCT
cjrl-2282	120	3	congress	congress	PROPN
cjrl-2282	120	4	was	be	AUX
cjrl-2282	120	5	becoming	become	VERB
cjrl-2282	120	6	more	more	ADV
cjrl-2282	120	7	engaged	engage	VERB
cjrl-2282	120	8	in	in	ADP
cjrl-2282	120	9	consumer	consumer	NOUN
cjrl-2282	120	10	protection	protection	NOUN
cjrl-2282	120	11	and	and	CCONJ
cjrl-2282	120	12	was	be	AUX
cjrl-2282	120	13	also	also	ADV
cjrl-2282	120	14	aware	aware	ADJ
cjrl-2282	120	15	of	of	ADP
cjrl-2282	120	16	the	the	DET
cjrl-2282	120	17	fed	fed	PROPN
cjrl-2282	120	18	’s	’s	PART
cjrl-2282	120	19	increasing	increase	VERB
cjrl-2282	120	20	concern	concern	NOUN
cjrl-2282	120	21	over	over	ADP
cjrl-2282	120	22	the	the	DET
cjrl-2282	120	23	float	float	NOUN
cjrl-2282	120	24	in	in	ADP
cjrl-2282	120	25	the	the	DET
cjrl-2282	120	26	monetary	monetary	ADJ
cjrl-2282	120	27	supply	supply	NOUN
cjrl-2282	120	28	.	.	PUNCT
cjrl-2282	121	1	however	however	ADV
cjrl-2282	121	2	,	,	PUNCT
cjrl-2282	121	3	it	it	PRON
cjrl-2282	121	4	is	be	AUX
cjrl-2282	121	5	important	important	ADJ
cjrl-2282	121	6	to	to	PART
cjrl-2282	121	7	keep	keep	VERB
cjrl-2282	121	8	in	in	ADP
cjrl-2282	121	9	mind	mind	NOUN
cjrl-2282	121	10	throughout	throughout	ADP
cjrl-2282	121	11	the	the	DET
cjrl-2282	121	12	following	follow	VERB
cjrl-2282	121	13	sections	section	NOUN
cjrl-2282	121	14	that	that	SCONJ
cjrl-2282	121	15	although	although	SCONJ
cjrl-2282	121	16	congressional	congressional	ADJ
cjrl-2282	121	17	reforms	reform	NOUN
cjrl-2282	121	18	of	of	ADP
cjrl-2282	121	19	timing	timing	NOUN
cjrl-2282	121	20	rules	rule	NOUN
cjrl-2282	121	21	in	in	ADP
cjrl-2282	121	22	the	the	DET
cjrl-2282	121	23	check	check	NOUN
cjrl-2282	121	24	collection	collection	NOUN
cjrl-2282	121	25	process	process	NOUN
cjrl-2282	121	26	were	be	AUX
cjrl-2282	121	27	justified	justify	VERB
cjrl-2282	121	28	and	and	CCONJ
cjrl-2282	121	29	overdue	overdue	ADJ
cjrl-2282	121	30	,	,	PUNCT
cjrl-2282	121	31	they	they	PRON
cjrl-2282	121	32	were	be	AUX
cjrl-2282	121	33	not	not	PART
cjrl-2282	121	34	done	do	VERB
cjrl-2282	121	35	in	in	ADP
cjrl-2282	121	36	a	a	DET
cjrl-2282	121	37	way	way	NOUN
cjrl-2282	121	38	that	that	PRON
cjrl-2282	121	39	proved	prove	VERB
cjrl-2282	121	40	advantageous	advantageous	ADJ
cjrl-2282	121	41	for	for	ADP
cjrl-2282	121	42	all	all	DET
cjrl-2282	121	43	consumers	consumer	NOUN
cjrl-2282	121	44	.	.	PUNCT
cjrl-2282	122	1	specifically	specifically	ADV
cjrl-2282	122	2	,	,	PUNCT
cjrl-2282	122	3	the	the	DET
cjrl-2282	122	4	loss	loss	NOUN
cjrl-2282	122	5	of	of	ADP
cjrl-2282	122	6	float	float	ADJ
cjrl-2282	122	7	time	time	NOUN
cjrl-2282	122	8	created	create	VERB
cjrl-2282	122	9	destructive	destructive	ADJ
cjrl-2282	122	10	consequences	consequence	NOUN
cjrl-2282	122	11	for	for	ADP
cjrl-2282	122	12	poor	poor	ADJ
cjrl-2282	122	13	consumers	consumer	NOUN
cjrl-2282	122	14	,	,	PUNCT
cjrl-2282	122	15	the	the	DET
cjrl-2282	122	16	majority	majority	NOUN
cjrl-2282	122	17	of	of	ADP
cjrl-2282	122	18	whom	whom	PRON
cjrl-2282	122	19	are	be	AUX
cjrl-2282	122	20	members	member	NOUN
cjrl-2282	122	21	of	of	ADP
cjrl-2282	122	22	minority	minority	NOUN
cjrl-2282	122	23	groups	group	NOUN
cjrl-2282	122	24	.	.	PUNCT
cjrl-2282	123	1	as	as	SCONJ
cjrl-2282	123	2	will	will	AUX
cjrl-2282	123	3	be	be	AUX
cjrl-2282	123	4	explored	explore	VERB
cjrl-2282	123	5	later	later	ADV
cjrl-2282	123	6	on	on	ADV
cjrl-2282	123	7	in	in	ADP
cjrl-2282	123	8	this	this	DET
cjrl-2282	123	9	article	article	NOUN
cjrl-2282	123	10	,	,	PUNCT
cjrl-2282	123	11	this	this	DET
cjrl-2282	123	12	new	new	ADJ
cjrl-2282	123	13	reform	reform	NOUN
cjrl-2282	123	14	resulted	result	VERB
cjrl-2282	123	15	in	in	ADP
cjrl-2282	123	16	a	a	DET
cjrl-2282	123	17	disproportionate	disproportionate	ADJ
cjrl-2282	123	18	increase	increase	NOUN
cjrl-2282	123	19	of	of	ADP
cjrl-2282	123	20	risky	risky	ADJ
cjrl-2282	123	21	behaviors	behavior	NOUN
cjrl-2282	123	22	such	such	ADJ
cjrl-2282	123	23	as	as	ADP
cjrl-2282	123	24	borrowing	borrow	VERB
cjrl-2282	123	25	money	money	NOUN
cjrl-2282	123	26	using	use	VERB
cjrl-2282	123	27	payday	payday	NOUN
cjrl-2282	123	28	loans	loan	NOUN
cjrl-2282	123	29	,	,	PUNCT
cjrl-2282	123	30	credit	credit	NOUN
cjrl-2282	123	31	cards	card	NOUN
cjrl-2282	123	32	,	,	PUNCT
cjrl-2282	123	33	and	and	CCONJ
cjrl-2282	123	34	helocs	helocs	PROPN
cjrl-2282	123	35	.	.	PUNCT
cjrl-2282	124	1	these	these	DET
cjrl-2282	124	2	increases	increase	NOUN
cjrl-2282	124	3	were	be	AUX
cjrl-2282	124	4	not	not	PART
cjrl-2282	124	5	merely	merely	ADV
cjrl-2282	124	6	coincidental	coincidental	ADJ
cjrl-2282	124	7	.	.	PUNCT
cjrl-2282	125	1	historical	historical	ADJ
cjrl-2282	125	2	data	datum	NOUN
cjrl-2282	125	3	and	and	CCONJ
cjrl-2282	125	4	social	social	ADJ
cjrl-2282	125	5	studies	study	NOUN
cjrl-2282	125	6	suggest	suggest	VERB
cjrl-2282	125	7	that	that	SCONJ
cjrl-2282	125	8	these	these	DET
cjrl-2282	125	9	industries	industry	NOUN
cjrl-2282	125	10	purposefully	purposefully	ADV
cjrl-2282	125	11	targeted	target	VERB
cjrl-2282	125	12	minority	minority	NOUN
cjrl-2282	125	13	groups	group	NOUN
cjrl-2282	125	14	for	for	ADP
cjrl-2282	125	15	exploitation	exploitation	NOUN
cjrl-2282	125	16	.	.	PUNCT
cjrl-2282	126	1	the	the	DET
cjrl-2282	126	2	financial	financial	ADJ
cjrl-2282	126	3	devices	device	NOUN
cjrl-2282	126	4	in	in	ADP
cjrl-2282	126	5	question	question	NOUN
cjrl-2282	126	6	frequently	frequently	ADV
cjrl-2282	126	7	have	have	VERB
cjrl-2282	126	8	significant	significant	ADJ
cjrl-2282	126	9	financial	financial	ADJ
cjrl-2282	126	10	costs	cost	NOUN
cjrl-2282	126	11	.	.	PUNCT
cjrl-2282	127	1	a	a	DET
cjrl-2282	127	2	typical	typical	ADJ
cjrl-2282	127	3	payday	payday	NOUN
cjrl-2282	127	4	loan	loan	NOUN
cjrl-2282	127	5	,	,	PUNCT
cjrl-2282	127	6	for	for	ADP
cjrl-2282	127	7	instance	instance	NOUN
cjrl-2282	127	8	,	,	PUNCT
cjrl-2282	127	9	may	may	AUX
cjrl-2282	127	10	end	end	VERB
cjrl-2282	127	11	up	up	ADP
cjrl-2282	127	12	costing	cost	VERB
cjrl-2282	127	13	the	the	DET
cjrl-2282	127	14	consumer	consumer	NOUN
cjrl-2282	127	15	hundreds	hundred	NOUN
cjrl-2282	127	16	if	if	SCONJ
cjrl-2282	127	17	not	not	PART
cjrl-2282	127	18	thousands	thousand	NOUN
cjrl-2282	127	19	of	of	ADP
cjrl-2282	127	20	dollars	dollar	NOUN
cjrl-2282	127	21	in	in	ADP
cjrl-2282	127	22	excess	excess	NOUN
cjrl-2282	127	23	of	of	ADP
cjrl-2282	127	24	the	the	DET
cjrl-2282	127	25	loan	loan	NOUN
cjrl-2282	127	26	principal	principal	NOUN
cjrl-2282	127	27	.	.	PUNCT
cjrl-2282	128	1	that	that	PRON
cjrl-2282	128	2	is	be	AUX
cjrl-2282	128	3	startling	startling	ADJ
cjrl-2282	128	4	,	,	PUNCT
cjrl-2282	128	5	given	give	VERB
cjrl-2282	128	6	that	that	SCONJ
cjrl-2282	128	7	a	a	DET
cjrl-2282	128	8	typical	typical	ADJ
cjrl-2282	128	9	payday	payday	NOUN
cjrl-2282	128	10	loan	loan	NOUN
cjrl-2282	128	11	is	be	AUX
cjrl-2282	128	12	for	for	ADP
cjrl-2282	128	13	only	only	ADV
cjrl-2282	128	14	a	a	DET
cjrl-2282	128	15	small	small	ADJ
cjrl-2282	128	16	amount	amount	NOUN
cjrl-2282	128	17	of	of	ADP
cjrl-2282	128	18	money	money	NOUN
cjrl-2282	128	19	.	.	PUNCT
cjrl-2282	129	1	in	in	ADP
cjrl-2282	129	2	the	the	DET
cjrl-2282	129	3	aggregate	aggregate	NOUN
cjrl-2282	129	4	,	,	PUNCT
cjrl-2282	129	5	these	these	DET
cjrl-2282	129	6	instruments	instrument	NOUN
cjrl-2282	129	7	drain	drain	VERB
cjrl-2282	129	8	millions	million	NOUN
cjrl-2282	129	9	of	of	ADP
cjrl-2282	129	10	dollars	dollar	NOUN
cjrl-2282	129	11	from	from	ADP
cjrl-2282	129	12	local	local	ADJ
cjrl-2282	129	13	communities	community	NOUN
cjrl-2282	129	14	,	,	PUNCT
cjrl-2282	129	15	making	make	VERB
cjrl-2282	129	16	economic	economic	ADJ
cjrl-2282	129	17	and	and	CCONJ
cjrl-2282	129	18	social	social	ADJ
cjrl-2282	129	19	advancement	advancement	NOUN
cjrl-2282	129	20	all	all	DET
cjrl-2282	129	21	the	the	PRON
cjrl-2282	129	22	more	more	ADV
cjrl-2282	129	23	difficult	difficult	ADJ
cjrl-2282	129	24	.	.	PUNCT
cjrl-2282	130	1	iii	iii	X
cjrl-2282	130	2	.	.	PUNCT
cjrl-2282	130	3	federal	federal	ADJ
cjrl-2282	130	4	intervention	intervention	NOUN
cjrl-2282	130	5	and	and	CCONJ
cjrl-2282	130	6	reform	reform	NOUN
cjrl-2282	130	7	initiatives	initiative	NOUN
cjrl-2282	130	8	even	even	ADV
cjrl-2282	130	9	though	though	SCONJ
cjrl-2282	130	10	u.c.c	u.c.c	X
cjrl-2282	130	11	.	.	PUNCT
cjrl-2282	131	1	articles	article	NOUN
cjrl-2282	131	2	3	3	NUM
cjrl-2282	131	3	and	and	CCONJ
cjrl-2282	131	4	4	4	NUM
cjrl-2282	131	5	were	be	AUX
cjrl-2282	131	6	amended	amend	VERB
cjrl-2282	131	7	extensively	extensively	ADV
cjrl-2282	131	8	in	in	ADP
cjrl-2282	131	9	1990	1990	NUM
cjrl-2282	131	10	,	,	PUNCT
cjrl-2282	131	11	the	the	DET
cjrl-2282	131	12	timing	timing	NOUN
cjrl-2282	131	13	of	of	ADP
cjrl-2282	131	14	collection	collection	NOUN
cjrl-2282	131	15	rules	rule	NOUN
cjrl-2282	131	16	in	in	ADP
cjrl-2282	131	17	the	the	DET
cjrl-2282	131	18	“	"	PUNCT
cjrl-2282	131	19	revised	revised	ADJ
cjrl-2282	131	20	articles	article	NOUN
cjrl-2282	131	21	”	"	PUNCT
cjrl-2282	131	22	was	be	AUX
cjrl-2282	131	23	not	not	PART
cjrl-2282	131	24	significantly	significantly	ADV
cjrl-2282	131	25	revised.22	revised.22	ADP
cjrl-2282	131	26	several	several	ADJ
cjrl-2282	131	27	state	state	NOUN
cjrl-2282	131	28	legislatures	legislature	NOUN
cjrl-2282	131	29	took	take	VERB
cjrl-2282	131	30	steps	step	NOUN
cjrl-2282	131	31	during	during	ADP
cjrl-2282	131	32	the	the	DET
cjrl-2282	131	33	1980s	1980	NOUN
cjrl-2282	131	34	to	to	PART
cjrl-2282	131	35	limit	limit	VERB
cjrl-2282	131	36	the	the	DET
cjrl-2282	131	37	length	length	NOUN
cjrl-2282	131	38	of	of	ADP
cjrl-2282	131	39	hold	hold	NOUN
cjrl-2282	131	40	periods	period	NOUN
cjrl-2282	131	41	,	,	PUNCT
cjrl-2282	131	42	but	but	CCONJ
cjrl-2282	131	43	the	the	DET
cjrl-2282	131	44	prevailing	prevail	VERB
cjrl-2282	131	45	u.c.c	u.c.c	NOUN
cjrl-2282	131	46	.	.	PUNCT
cjrl-2282	132	1	timing	timing	NOUN
cjrl-2282	132	2	rules	rule	NOUN
cjrl-2282	132	3	remained	remain	VERB
cjrl-2282	132	4	largely	largely	ADV
cjrl-2282	132	5	unchanged.23	unchanged.23	PROPN
cjrl-2282	132	6	most	most	ADV
cjrl-2282	132	7	notably	notably	ADV
cjrl-2282	132	8	,	,	PUNCT
cjrl-2282	132	9	the	the	DET
cjrl-2282	132	10	revised	revise	VERB
cjrl-2282	132	11	articles	article	NOUN
cjrl-2282	132	12	governing	govern	VERB
cjrl-2282	132	13	check	check	NOUN
cjrl-2282	132	14	collections	collection	NOUN
cjrl-2282	132	15	retained	retain	VERB
cjrl-2282	132	16	the	the	DET
cjrl-2282	132	17	midnight	midnight	NOUN
cjrl-2282	132	18	deadline	deadline	NOUN
cjrl-2282	132	19	rules	rule	NOUN
cjrl-2282	132	20	despite	despite	SCONJ
cjrl-2282	132	21	an	an	DET
cjrl-2282	132	22	ever	ever	ADV
cjrl-2282	132	23	increasing	increase	VERB
cjrl-2282	132	24	chorus	chorus	NOUN
cjrl-2282	132	25	of	of	ADP
cjrl-2282	132	26	customer	customer	NOUN
cjrl-2282	132	27	complaints	complaint	NOUN
cjrl-2282	132	28	about	about	ADP
cjrl-2282	132	29	the	the	DET
cjrl-2282	132	30	length	length	NOUN
cjrl-2282	132	31	of	of	ADP
cjrl-2282	132	32	their	their	PRON
cjrl-2282	132	33	wait	wait	NOUN
cjrl-2282	132	34	times	time	NOUN
cjrl-2282	132	35	for	for	SCONJ
cjrl-2282	132	36	their	their	PRON
cjrl-2282	132	37	funds	fund	NOUN
cjrl-2282	132	38	to	to	PART
cjrl-2282	132	39	be	be	AUX
cjrl-2282	132	40	available	available	ADJ
cjrl-2282	132	41	following	follow	VERB
cjrl-2282	132	42	deposits	deposit	NOUN
cjrl-2282	132	43	of	of	ADP
cjrl-2282	132	44	checks	check	NOUN
cjrl-2282	132	45	for	for	ADP
cjrl-2282	132	46	collection	collection	NOUN
cjrl-2282	132	47	.	.	PUNCT
cjrl-2282	133	1	in	in	ADP
cjrl-2282	133	2	the	the	DET
cjrl-2282	133	3	absence	absence	NOUN
cjrl-2282	133	4	of	of	ADP
cjrl-2282	133	5	a	a	DET
cjrl-2282	133	6	meaningful	meaningful	ADJ
cjrl-2282	133	7	state	state	NOUN
cjrl-2282	133	8	level	level	NOUN
cjrl-2282	133	9	response	response	NOUN
cjrl-2282	133	10	to	to	ADP
cjrl-2282	133	11	the	the	DET
cjrl-2282	133	12	unacceptably	unacceptably	ADV
cjrl-2282	133	13	long	long	ADJ
cjrl-2282	133	14	waits	wait	NOUN
cjrl-2282	133	15	for	for	ADP
cjrl-2282	133	16	funds	fund	NOUN
cjrl-2282	133	17	availability	availability	NOUN
cjrl-2282	133	18	,	,	PUNCT
cjrl-2282	133	19	congress	congress	PROPN
cjrl-2282	133	20	enacted	enact	VERB
cjrl-2282	133	21	two	two	NUM
cjrl-2282	133	22	new	new	ADJ
cjrl-2282	133	23	statutes	statute	NOUN
cjrl-2282	133	24	designed	design	VERB
cjrl-2282	133	25	to	to	PART
cjrl-2282	133	26	speed	speed	VERB
cjrl-2282	133	27	up	up	ADP
cjrl-2282	133	28	the	the	DET
cjrl-2282	133	29	check	check	NOUN
cjrl-2282	133	30	collection	collection	NOUN
cjrl-2282	133	31	process	process	NOUN
cjrl-2282	133	32	and	and	CCONJ
cjrl-2282	133	33	to	to	PART
cjrl-2282	133	34	expedite	expedite	VERB
cjrl-2282	133	35	the	the	DET
cjrl-2282	133	36	availability	availability	NOUN
cjrl-2282	133	37	of	of	ADP
cjrl-2282	133	38	the	the	DET
cjrl-2282	133	39	depositor	depositor	NOUN
cjrl-2282	133	40	’s	’s	PART
cjrl-2282	133	41	funds	fund	NOUN
cjrl-2282	133	42	.	.	PUNCT
cjrl-2282	134	1	first	first	ADV
cjrl-2282	134	2	,	,	PUNCT
cjrl-2282	134	3	in	in	ADP
cjrl-2282	134	4	1987	1987	NUM
cjrl-2282	134	5	it	it	PRON
cjrl-2282	134	6	passed	pass	VERB
cjrl-2282	134	7	the	the	DET
cjrl-2282	134	8	expedited	expedite	VERB
cjrl-2282	134	9	funds	fund	NOUN
cjrl-2282	134	10	availability	availability	NOUN
cjrl-2282	134	11	20	20	NUM
cjrl-2282	134	12	see	see	VERB
cjrl-2282	134	13	float	float	NOUN
cjrl-2282	134	14	,	,	PUNCT
cjrl-2282	134	15	fed	fed	PROPN
cjrl-2282	134	16	.	.	PUNCT
cjrl-2282	134	17	reserve	reserve	PROPN
cjrl-2282	134	18	bank	bank	PROPN
cjrl-2282	134	19	of	of	ADP
cjrl-2282	134	20	new	new	PROPN
cjrl-2282	134	21	york	york	PROPN
cjrl-2282	134	22	(	(	PUNCT
cjrl-2282	134	23	april	april	PROPN
cjrl-2282	134	24	2007	2007	NUM
cjrl-2282	134	25	)	)	PUNCT
cjrl-2282	134	26	,	,	PUNCT
cjrl-2282	134	27	http://www.newyorkfed.org/aboutthefed/fedpoint/fed08.html	http://www.newyorkfed.org/aboutthefed/fedpoint/fed08.html	PROPN
cjrl-2282	134	28	(	(	PUNCT
cjrl-2282	134	29	noting	note	VERB
cjrl-2282	134	30	that	that	SCONJ
cjrl-2282	134	31	“	"	PUNCT
cjrl-2282	134	32	float	float	NOUN
cjrl-2282	134	33	is	be	AUX
cjrl-2282	134	34	created	create	VERB
cjrl-2282	134	35	when	when	SCONJ
cjrl-2282	134	36	a	a	DET
cjrl-2282	134	37	reserve	reserve	PROPN
cjrl-2282	134	38	bank	bank	PROPN
cjrl-2282	134	39	credits	credit	VERB
cjrl-2282	134	40	a	a	DET
cjrl-2282	134	41	bank	bank	NOUN
cjrl-2282	134	42	for	for	ADP
cjrl-2282	134	43	depositing	deposit	VERB
cjrl-2282	134	44	a	a	DET
cjrl-2282	134	45	check	check	NOUN
cjrl-2282	134	46	but	but	CCONJ
cjrl-2282	134	47	has	have	AUX
cjrl-2282	134	48	not	not	PART
cjrl-2282	134	49	yet	yet	ADV
cjrl-2282	134	50	collected	collect	VERB
cjrl-2282	134	51	funds	fund	NOUN
cjrl-2282	134	52	from	from	ADP
cjrl-2282	134	53	the	the	DET
cjrl-2282	134	54	bank	bank	NOUN
cjrl-2282	134	55	upon	upon	SCONJ
cjrl-2282	134	56	which	which	PRON
cjrl-2282	134	57	the	the	DET
cjrl-2282	134	58	check	check	NOUN
cjrl-2282	134	59	is	be	AUX
cjrl-2282	134	60	drawn	draw	VERB
cjrl-2282	134	61	.	.	PUNCT
cjrl-2282	135	1	both	both	DET
cjrl-2282	135	2	banks	bank	NOUN
cjrl-2282	135	3	now	now	ADV
cjrl-2282	135	4	list	list	VERB
cjrl-2282	135	5	the	the	DET
cjrl-2282	135	6	funds	fund	NOUN
cjrl-2282	135	7	on	on	ADP
cjrl-2282	135	8	their	their	PRON
cjrl-2282	135	9	books	book	NOUN
cjrl-2282	135	10	,	,	PUNCT
cjrl-2282	135	11	and	and	CCONJ
cjrl-2282	135	12	they	they	PRON
cjrl-2282	135	13	continue	continue	VERB
cjrl-2282	135	14	to	to	PART
cjrl-2282	135	15	do	do	VERB
cjrl-2282	135	16	so	so	ADV
cjrl-2282	135	17	until	until	SCONJ
cjrl-2282	135	18	the	the	DET
cjrl-2282	135	19	check	check	NOUN
cjrl-2282	135	20	is	be	AUX
cjrl-2282	135	21	presented	present	VERB
cjrl-2282	135	22	and	and	CCONJ
cjrl-2282	135	23	the	the	DET
cjrl-2282	135	24	reserve	reserve	PROPN
cjrl-2282	135	25	bank	bank	PROPN
cjrl-2282	135	26	collects	collect	VERB
cjrl-2282	135	27	funds	fund	NOUN
cjrl-2282	135	28	from	from	ADP
cjrl-2282	135	29	the	the	DET
cjrl-2282	135	30	bank	bank	NOUN
cjrl-2282	135	31	on	on	ADP
cjrl-2282	135	32	which	which	PRON
cjrl-2282	135	33	the	the	DET
cjrl-2282	135	34	check	check	NOUN
cjrl-2282	135	35	is	be	AUX
cjrl-2282	135	36	drawn	draw	VERB
cjrl-2282	135	37	.	.	PUNCT
cjrl-2282	136	1	as	as	ADP
cjrl-2282	136	2	a	a	DET
cjrl-2282	136	3	result	result	NOUN
cjrl-2282	136	4	,	,	PUNCT
cjrl-2282	136	5	both	both	DET
cjrl-2282	136	6	banks	bank	NOUN
cjrl-2282	136	7	have	have	VERB
cjrl-2282	136	8	use	use	NOUN
cjrl-2282	136	9	of	of	ADP
cjrl-2282	136	10	the	the	DET
cjrl-2282	136	11	same	same	ADJ
cjrl-2282	136	12	funds	fund	NOUN
cjrl-2282	136	13	for	for	ADP
cjrl-2282	136	14	a	a	DET
cjrl-2282	136	15	short	short	ADJ
cjrl-2282	136	16	time	time	NOUN
cjrl-2282	136	17	.	.	PUNCT
cjrl-2282	136	18	”	"	PUNCT
cjrl-2282	136	19	)	)	PUNCT
cjrl-2282	136	20	.	.	PUNCT
cjrl-2282	137	1	21	21	NUM
cjrl-2282	137	2	see	see	VERB
cjrl-2282	137	3	i	i	PROPN
cjrl-2282	137	4	d.	d.	PROPN
cjrl-2282	137	5	(	(	PUNCT
cjrl-2282	137	6	noting	note	VERB
cjrl-2282	137	7	that	that	SCONJ
cjrl-2282	137	8	“	"	PUNCT
cjrl-2282	137	9	although	although	SCONJ
cjrl-2282	137	10	the	the	DET
cjrl-2282	137	11	amount	amount	NOUN
cjrl-2282	137	12	of	of	ADP
cjrl-2282	137	13	float	float	NOUN
cjrl-2282	137	14	is	be	AUX
cjrl-2282	137	15	subject	subject	ADJ
cjrl-2282	137	16	to	to	ADP
cjrl-2282	137	17	random	random	ADJ
cjrl-2282	137	18	fluctuations	fluctuation	NOUN
cjrl-2282	137	19	,	,	PUNCT
cjrl-2282	137	20	definite	definite	ADJ
cjrl-2282	137	21	weekly	weekly	ADJ
cjrl-2282	137	22	and	and	CCONJ
cjrl-2282	137	23	seasonal	seasonal	ADJ
cjrl-2282	137	24	trends	trend	NOUN
cjrl-2282	137	25	have	have	AUX
cjrl-2282	137	26	been	be	AUX
cjrl-2282	137	27	observed	observe	VERB
cjrl-2282	137	28	.	.	PUNCT
cjrl-2282	138	1	the	the	DET
cjrl-2282	138	2	federal	federal	PROPN
cjrl-2282	138	3	reserve	reserve	PROPN
cjrl-2282	138	4	bank	bank	PROPN
cjrl-2282	138	5	of	of	ADP
cjrl-2282	138	6	new	new	PROPN
cjrl-2282	138	7	york	york	PROPN
cjrl-2282	138	8	uses	use	VERB
cjrl-2282	138	9	these	these	DET
cjrl-2282	138	10	float	float	ADJ
cjrl-2282	138	11	trends	trend	NOUN
cjrl-2282	138	12	to	to	PART
cjrl-2282	138	13	forecast	forecast	VERB
cjrl-2282	138	14	float	float	NOUN
cjrl-2282	138	15	levels	level	NOUN
cjrl-2282	138	16	.	.	PUNCT
cjrl-2282	139	1	the	the	DET
cjrl-2282	139	2	forecasts	forecast	NOUN
cjrl-2282	139	3	are	be	AUX
cjrl-2282	139	4	given	give	VERB
cjrl-2282	139	5	to	to	ADP
cjrl-2282	139	6	the	the	DET
cjrl-2282	139	7	open	open	ADJ
cjrl-2282	139	8	market	market	NOUN
cjrl-2282	139	9	desk	desk	NOUN
cjrl-2282	139	10	,	,	PUNCT
cjrl-2282	139	11	which	which	PRON
cjrl-2282	139	12	implements	implement	VERB
cjrl-2282	139	13	the	the	DET
cjrl-2282	139	14	federal	federal	PROPN
cjrl-2282	139	15	reserve	reserve	PROPN
cjrl-2282	139	16	's	's	PART
cjrl-2282	139	17	monetary	monetary	ADJ
cjrl-2282	139	18	policy	policy	NOUN
cjrl-2282	139	19	.	.	PUNCT
cjrl-2282	140	1	using	use	VERB
cjrl-2282	140	2	these	these	DET
cjrl-2282	140	3	forecasts	forecast	NOUN
cjrl-2282	140	4	and	and	CCONJ
cjrl-2282	140	5	other	other	ADJ
cjrl-2282	140	6	information	information	NOUN
cjrl-2282	140	7	,	,	PUNCT
cjrl-2282	140	8	the	the	DET
cjrl-2282	140	9	open	open	ADJ
cjrl-2282	140	10	market	market	NOUN
cjrl-2282	140	11	desk	desk	NOUN
cjrl-2282	140	12	buys	buy	VERB
cjrl-2282	140	13	and	and	CCONJ
cjrl-2282	140	14	sells	sell	VERB
cjrl-2282	140	15	government	government	NOUN
cjrl-2282	140	16	securities	security	NOUN
cjrl-2282	140	17	daily	daily	ADV
cjrl-2282	140	18	,	,	PUNCT
cjrl-2282	140	19	usually	usually	ADV
cjrl-2282	140	20	in	in	ADP
cjrl-2282	140	21	an	an	DET
cjrl-2282	140	22	attempt	attempt	NOUN
cjrl-2282	140	23	to	to	PART
cjrl-2282	140	24	smooth	smooth	VERB
cjrl-2282	140	25	fluctuations	fluctuation	NOUN
cjrl-2282	140	26	in	in	ADP
cjrl-2282	140	27	the	the	DET
cjrl-2282	140	28	aggregate	aggregate	ADJ
cjrl-2282	140	29	level	level	NOUN
cjrl-2282	140	30	of	of	ADP
cjrl-2282	140	31	bank	bank	NOUN
cjrl-2282	140	32	reserves	reserve	NOUN
cjrl-2282	140	33	.	.	PUNCT
cjrl-2282	140	34	”	"	PUNCT
cjrl-2282	140	35	)	)	PUNCT
cjrl-2282	140	36	.	.	PUNCT
cjrl-2282	141	1	22	22	NUM
cjrl-2282	141	2	william	william	PROPN
cjrl-2282	141	3	warren	warren	PROPN
cjrl-2282	141	4	&	&	CCONJ
cjrl-2282	141	5	steven	steven	PROPN
cjrl-2282	141	6	walt	walt	PROPN
cjrl-2282	141	7	,	,	PUNCT
cjrl-2282	141	8	payments	payment	NOUN
cjrl-2282	141	9	and	and	CCONJ
cjrl-2282	141	10	credits	credit	NOUN
cjrl-2282	141	11	3	3	NUM
cjrl-2282	141	12	(	(	PUNCT
cjrl-2282	141	13	foundation	foundation	NOUN
cjrl-2282	141	14	press	press	NOUN
cjrl-2282	141	15	7th	7th	PROPN
cjrl-2282	141	16	ed	ed	NOUN
cjrl-2282	141	17	.	.	PROPN
cjrl-2282	141	18	2007	2007	NUM
cjrl-2282	141	19	)	)	PUNCT
cjrl-2282	141	20	.	.	PUNCT
cjrl-2282	142	1	23	23	NUM
cjrl-2282	143	1	i	i	PRON
cjrl-2282	143	2	d.	d.	VERB
cjrl-2282	143	3	at	at	ADP
cjrl-2282	143	4	167	167	NUM
cjrl-2282	143	5	.	.	PUNCT
cjrl-2282	144	1	2013	2013	NUM
cjrl-2282	144	2	columbia	columbia	PROPN
cjrl-2282	144	3	journal	journal	PROPN
cjrl-2282	144	4	of	of	ADP
cjrl-2282	144	5	race	race	NOUN
cjrl-2282	144	6	and	and	CCONJ
cjrl-2282	144	7	law	law	NOUN
cjrl-2282	144	8	79	79	NUM
cjrl-2282	144	9	act	act	NOUN
cjrl-2282	144	10	(	(	PUNCT
cjrl-2282	144	11	efaa).24	efaa).24	X
cjrl-2282	144	12	an	an	DET
cjrl-2282	144	13	important	important	ADJ
cjrl-2282	144	14	part	part	NOUN
cjrl-2282	144	15	of	of	ADP
cjrl-2282	144	16	the	the	DET
cjrl-2282	144	17	efaa	efaa	NOUN
cjrl-2282	144	18	was	be	AUX
cjrl-2282	144	19	its	its	PRON
cjrl-2282	144	20	broad	broad	ADJ
cjrl-2282	144	21	delegation	delegation	NOUN
cjrl-2282	144	22	of	of	ADP
cjrl-2282	144	23	rulemaking	rulemake	VERB
cjrl-2282	144	24	authority	authority	NOUN
cjrl-2282	144	25	to	to	ADP
cjrl-2282	144	26	the	the	DET
cjrl-2282	144	27	federal	federal	PROPN
cjrl-2282	144	28	reserve	reserve	PROPN
cjrl-2282	144	29	governing	governing	PROPN
cjrl-2282	144	30	board	board	NOUN
cjrl-2282	144	31	.	.	PUNCT
cjrl-2282	145	1	the	the	DET
cjrl-2282	145	2	fed	fed	PROPN
cjrl-2282	145	3	first	first	ADV
cjrl-2282	145	4	exercised	exercise	VERB
cjrl-2282	145	5	this	this	DET
cjrl-2282	145	6	authority	authority	NOUN
cjrl-2282	145	7	when	when	SCONJ
cjrl-2282	145	8	it	it	PRON
cjrl-2282	145	9	promulgated	promulgate	VERB
cjrl-2282	145	10	part	part	NOUN
cjrl-2282	145	11	229	229	NUM
cjrl-2282	145	12	of	of	ADP
cjrl-2282	145	13	the	the	DET
cjrl-2282	145	14	chapter	chapter	NOUN
cjrl-2282	145	15	12	12	NUM
cjrl-2282	145	16	of	of	ADP
cjrl-2282	145	17	the	the	DET
cjrl-2282	145	18	code	code	NOUN
cjrl-2282	145	19	of	of	ADP
cjrl-2282	145	20	federal	federal	ADJ
cjrl-2282	145	21	regulations	regulation	NOUN
cjrl-2282	145	22	(	(	PUNCT
cjrl-2282	145	23	12	12	NUM
cjrl-2282	145	24	c.f.r	c.f.r	NOUN
cjrl-2282	145	25	.	.	PUNCT
cjrl-2282	146	1	part	part	NOUN
cjrl-2282	146	2	229	229	NUM
cjrl-2282	146	3	)	)	PUNCT
cjrl-2282	146	4	under	under	ADP
cjrl-2282	146	5	the	the	DET
cjrl-2282	146	6	title	title	NOUN
cjrl-2282	146	7	“	"	PUNCT
cjrl-2282	146	8	availability	availability	NOUN
cjrl-2282	146	9	of	of	ADP
cjrl-2282	146	10	funds	fund	NOUN
cjrl-2282	146	11	and	and	CCONJ
cjrl-2282	146	12	collection	collection	NOUN
cjrl-2282	146	13	of	of	ADP
cjrl-2282	146	14	checks	check	NOUN
cjrl-2282	146	15	(	(	PUNCT
cjrl-2282	146	16	regulation	regulation	NOUN
cjrl-2282	146	17	cc).”25	cc).”25	ADJ
cjrl-2282	146	18	the	the	DET
cjrl-2282	146	19	second	second	ADJ
cjrl-2282	146	20	statute	statute	NOUN
cjrl-2282	146	21	,	,	PUNCT
cjrl-2282	146	22	the	the	DET
cjrl-2282	146	23	check	check	NOUN
cjrl-2282	146	24	collections	collection	NOUN
cjrl-2282	146	25	for	for	ADP
cjrl-2282	146	26	the	the	DET
cjrl-2282	146	27	twenty	twenty	NUM
cjrl-2282	146	28	first	first	ADJ
cjrl-2282	146	29	century	century	NOUN
cjrl-2282	146	30	act	act	NOUN
cjrl-2282	146	31	,	,	PUNCT
cjrl-2282	146	32	commonly	commonly	ADV
cjrl-2282	146	33	known	know	VERB
cjrl-2282	146	34	as	as	ADP
cjrl-2282	146	35	“	"	PUNCT
cjrl-2282	146	36	check	check	VERB
cjrl-2282	146	37	21	21	NUM
cjrl-2282	146	38	”	"	PUNCT
cjrl-2282	146	39	,	,	PUNCT
cjrl-2282	146	40	was	be	AUX
cjrl-2282	146	41	passed	pass	VERB
cjrl-2282	146	42	in	in	ADP
cjrl-2282	146	43	2004	2004	NUM
cjrl-2282	146	44	and	and	CCONJ
cjrl-2282	146	45	has	have	AUX
cjrl-2282	146	46	resulted	result	VERB
cjrl-2282	146	47	in	in	ADP
cjrl-2282	146	48	changes	change	NOUN
cjrl-2282	146	49	to	to	ADP
cjrl-2282	146	50	the	the	DET
cjrl-2282	146	51	way	way	NOUN
cjrl-2282	146	52	banks	bank	NOUN
cjrl-2282	146	53	can	can	AUX
cjrl-2282	146	54	process	process	VERB
cjrl-2282	146	55	checks	check	NOUN
cjrl-2282	146	56	and	and	CCONJ
cjrl-2282	146	57	allows	allow	VERB
cjrl-2282	146	58	them	they	PRON
cjrl-2282	146	59	to	to	PART
cjrl-2282	146	60	create	create	VERB
cjrl-2282	146	61	substitute	substitute	NOUN
cjrl-2282	146	62	checks	check	NOUN
cjrl-2282	146	63	using	use	VERB
cjrl-2282	146	64	image	image	NOUN
cjrl-2282	146	65	technology	technology	NOUN
cjrl-2282	146	66	.	.	PUNCT
cjrl-2282	147	1	these	these	DET
cjrl-2282	147	2	additional	additional	ADJ
cjrl-2282	147	3	rules	rule	NOUN
cjrl-2282	147	4	have	have	AUX
cjrl-2282	147	5	been	be	AUX
cjrl-2282	147	6	added	add	VERB
cjrl-2282	147	7	to	to	ADP
cjrl-2282	147	8	regulation	regulation	NOUN
cjrl-2282	147	9	cc	cc	PROPN
cjrl-2282	147	10	.	.	PUNCT
cjrl-2282	147	11	a.	a.	NOUN
cjrl-2282	147	12	the	the	DET
cjrl-2282	147	13	expedited	expedite	VERB
cjrl-2282	147	14	funds	fund	NOUN
cjrl-2282	147	15	availability	availability	NOUN
cjrl-2282	147	16	act	act	NOUN
cjrl-2282	147	17	and	and	CCONJ
cjrl-2282	147	18	regulation	regulation	NOUN
cjrl-2282	147	19	cc	cc	ADP
cjrl-2282	147	20	regulation	regulation	NOUN
cjrl-2282	147	21	cc	cc	PROPN
cjrl-2282	147	22	was	be	AUX
cjrl-2282	147	23	the	the	DET
cjrl-2282	147	24	first	first	ADJ
cjrl-2282	147	25	of	of	ADP
cjrl-2282	147	26	two	two	NUM
cjrl-2282	147	27	recent	recent	ADJ
cjrl-2282	147	28	major	major	ADJ
cjrl-2282	147	29	reforms	reform	NOUN
cjrl-2282	147	30	in	in	ADP
cjrl-2282	147	31	the	the	DET
cjrl-2282	147	32	national	national	PROPN
cjrl-2282	147	33	bank	bank	PROPN
cjrl-2282	147	34	check	check	NOUN
cjrl-2282	147	35	collection	collection	NOUN
cjrl-2282	147	36	system	system	NOUN
cjrl-2282	147	37	in	in	ADP
cjrl-2282	147	38	the	the	DET
cjrl-2282	147	39	united	united	PROPN
cjrl-2282	147	40	states	states	PROPN
cjrl-2282	147	41	.	.	PUNCT
cjrl-2282	148	1	regulation	regulation	NOUN
cjrl-2282	148	2	cc	cc	VERB
cjrl-2282	148	3	’s	’s	NOUN
cjrl-2282	148	4	primary	primary	ADJ
cjrl-2282	148	5	focus	focus	NOUN
cjrl-2282	148	6	was	be	AUX
cjrl-2282	148	7	to	to	PART
cjrl-2282	148	8	impose	impose	VERB
cjrl-2282	148	9	shorter	short	ADJ
cjrl-2282	148	10	time	time	NOUN
cjrl-2282	148	11	limitations	limitation	NOUN
cjrl-2282	148	12	within	within	ADP
cjrl-2282	148	13	which	which	PRON
cjrl-2282	148	14	depositary	depositary	ADJ
cjrl-2282	148	15	banks	bank	NOUN
cjrl-2282	148	16	were	be	AUX
cjrl-2282	148	17	required	require	VERB
cjrl-2282	148	18	to	to	PART
cjrl-2282	148	19	make	make	VERB
cjrl-2282	148	20	funds	fund	NOUN
cjrl-2282	148	21	available	available	ADJ
cjrl-2282	148	22	to	to	ADP
cjrl-2282	148	23	their	their	PRON
cjrl-2282	148	24	checking	check	VERB
cjrl-2282	148	25	account	account	NOUN
cjrl-2282	148	26	customers	customer	NOUN
cjrl-2282	148	27	“	"	PUNCT
cjrl-2282	148	28	as	as	ADP
cjrl-2282	148	29	a	a	DET
cjrl-2282	148	30	matter	matter	NOUN
cjrl-2282	148	31	of	of	ADP
cjrl-2282	148	32	right	right	NOUN
cjrl-2282	148	33	.	.	PUNCT
cjrl-2282	149	1	”26	”26	VERB
cjrl-2282	149	2	to	to	PART
cjrl-2282	149	3	accomplish	accomplish	VERB
cjrl-2282	149	4	this	this	PRON
cjrl-2282	149	5	,	,	PUNCT
cjrl-2282	150	1	regulation	regulation	NOUN
cjrl-2282	150	2	cc	cc	NOUN
cjrl-2282	150	3	shifted	shift	VERB
cjrl-2282	150	4	the	the	DET
cjrl-2282	150	5	focus	focus	NOUN
cjrl-2282	150	6	of	of	ADP
cjrl-2282	150	7	the	the	DET
cjrl-2282	150	8	timing	timing	NOUN
cjrl-2282	150	9	rules	rule	NOUN
cjrl-2282	150	10	from	from	ADP
cjrl-2282	150	11	counting	count	VERB
cjrl-2282	150	12	the	the	DET
cjrl-2282	150	13	days	day	NOUN
cjrl-2282	150	14	after	after	SCONJ
cjrl-2282	150	15	the	the	DET
cjrl-2282	150	16	demand	demand	NOUN
cjrl-2282	150	17	is	be	AUX
cjrl-2282	150	18	made	make	VERB
cjrl-2282	150	19	to	to	ADP
cjrl-2282	150	20	a	a	DET
cjrl-2282	150	21	paying	pay	VERB
cjrl-2282	150	22	bank	bank	NOUN
cjrl-2282	150	23	,	,	PUNCT
cjrl-2282	150	24	to	to	PART
cjrl-2282	150	25	focus	focus	VERB
cjrl-2282	150	26	on	on	ADP
cjrl-2282	150	27	the	the	DET
cjrl-2282	150	28	number	number	NOUN
cjrl-2282	150	29	of	of	ADP
cjrl-2282	150	30	days	day	NOUN
cjrl-2282	150	31	after	after	ADP
cjrl-2282	150	32	the	the	DET
cjrl-2282	150	33	deposit	deposit	NOUN
cjrl-2282	150	34	before	before	ADP
cjrl-2282	150	35	which	which	PRON
cjrl-2282	150	36	the	the	DET
cjrl-2282	150	37	depositary	depositary	ADJ
cjrl-2282	150	38	bank	bank	NOUN
cjrl-2282	150	39	would	would	AUX
cjrl-2282	150	40	become	become	VERB
cjrl-2282	150	41	accountable	accountable	ADJ
cjrl-2282	150	42	.	.	PUNCT
cjrl-2282	151	1	thus	thus	ADV
cjrl-2282	151	2	,	,	PUNCT
cjrl-2282	151	3	regulation	regulation	NOUN
cjrl-2282	151	4	cc	cc	NOUN
cjrl-2282	151	5	shifted	shift	VERB
cjrl-2282	151	6	the	the	DET
cjrl-2282	151	7	liability	liability	NOUN
cjrl-2282	151	8	for	for	ADP
cjrl-2282	151	9	speeding	speed	VERB
cjrl-2282	151	10	up	up	ADP
cjrl-2282	151	11	the	the	DET
cjrl-2282	151	12	timely	timely	ADJ
cjrl-2282	151	13	payments	payment	NOUN
cjrl-2282	151	14	away	away	ADV
cjrl-2282	151	15	from	from	ADP
cjrl-2282	151	16	the	the	DET
cjrl-2282	151	17	last	last	ADJ
cjrl-2282	151	18	bank	bank	NOUN
cjrl-2282	151	19	in	in	ADP
cjrl-2282	151	20	the	the	DET
cjrl-2282	151	21	process	process	NOUN
cjrl-2282	151	22	—	—	PUNCT
cjrl-2282	151	23	the	the	DET
cjrl-2282	151	24	paying	pay	VERB
cjrl-2282	151	25	banks	bank	NOUN
cjrl-2282	151	26	—	—	PUNCT
cjrl-2282	151	27	and	and	CCONJ
cjrl-2282	151	28	shifted	shift	VERB
cjrl-2282	151	29	the	the	DET
cjrl-2282	151	30	burden	burden	NOUN
cjrl-2282	151	31	onto	onto	ADP
cjrl-2282	151	32	the	the	DET
cjrl-2282	151	33	first	first	ADJ
cjrl-2282	151	34	bank	bank	NOUN
cjrl-2282	151	35	in	in	ADP
cjrl-2282	151	36	the	the	DET
cjrl-2282	151	37	process	process	NOUN
cjrl-2282	151	38	—	—	PUNCT
cjrl-2282	151	39	the	the	DET
cjrl-2282	151	40	depositary	depositary	ADJ
cjrl-2282	151	41	bank	bank	NOUN
cjrl-2282	151	42	.	.	PUNCT
cjrl-2282	152	1	henceforth	henceforth	ADV
cjrl-2282	152	2	,	,	PUNCT
cjrl-2282	152	3	funds	fund	NOUN
cjrl-2282	152	4	would	would	AUX
cjrl-2282	152	5	be	be	AUX
cjrl-2282	152	6	made	make	VERB
cjrl-2282	152	7	available	available	ADJ
cjrl-2282	152	8	within	within	ADP
cjrl-2282	152	9	a	a	DET
cjrl-2282	152	10	set	set	ADJ
cjrl-2282	152	11	number	number	NOUN
cjrl-2282	152	12	of	of	ADP
cjrl-2282	152	13	days	day	NOUN
cjrl-2282	152	14	after	after	ADP
cjrl-2282	152	15	the	the	DET
cjrl-2282	152	16	deposit	deposit	NOUN
cjrl-2282	152	17	,	,	PUNCT
cjrl-2282	152	18	regardless	regardless	ADV
cjrl-2282	152	19	of	of	ADP
cjrl-2282	152	20	how	how	SCONJ
cjrl-2282	152	21	many	many	ADJ
cjrl-2282	152	22	intermediary	intermediary	ADJ
cjrl-2282	152	23	banks	bank	NOUN
cjrl-2282	152	24	were	be	AUX
cjrl-2282	152	25	involved	involve	VERB
cjrl-2282	152	26	in	in	ADP
cjrl-2282	152	27	the	the	DET
cjrl-2282	152	28	presentation	presentation	NOUN
cjrl-2282	152	29	of	of	ADP
cjrl-2282	152	30	the	the	DET
cjrl-2282	152	31	check	check	NOUN
cjrl-2282	152	32	to	to	ADP
cjrl-2282	152	33	the	the	DET
cjrl-2282	152	34	paying	pay	VERB
cjrl-2282	152	35	bank.27	bank.27	PROPN
cjrl-2282	152	36	as	as	ADP
cjrl-2282	152	37	a	a	DET
cjrl-2282	152	38	result	result	NOUN
cjrl-2282	152	39	,	,	PUNCT
cjrl-2282	152	40	regulation	regulation	NOUN
cjrl-2282	152	41	cc	cc	ADP
cjrl-2282	152	42	required	require	VERB
cjrl-2282	152	43	banks	bank	NOUN
cjrl-2282	152	44	to	to	PART
cjrl-2282	152	45	dramatically	dramatically	ADV
cjrl-2282	152	46	speed	speed	VERB
cjrl-2282	152	47	up	up	ADP
cjrl-2282	152	48	the	the	DET
cjrl-2282	152	49	release	release	NOUN
cjrl-2282	152	50	of	of	ADP
cjrl-2282	152	51	funds	fund	NOUN
cjrl-2282	152	52	to	to	ADP
cjrl-2282	152	53	depositors	depositor	NOUN
cjrl-2282	152	54	and	and	CCONJ
cjrl-2282	152	55	the	the	DET
cjrl-2282	152	56	return	return	NOUN
cjrl-2282	152	57	processes.28	processes.28	NOUN
cjrl-2282	152	58	in	in	ADP
cjrl-2282	152	59	this	this	DET
cjrl-2282	152	60	respect	respect	NOUN
cjrl-2282	152	61	,	,	PUNCT
cjrl-2282	152	62	the	the	DET
cjrl-2282	152	63	act	act	NOUN
cjrl-2282	152	64	protected	protect	VERB
cjrl-2282	152	65	consumers	consumer	NOUN
cjrl-2282	152	66	from	from	ADP
cjrl-2282	152	67	excessive	excessive	ADJ
cjrl-2282	152	68	delays	delay	NOUN
cjrl-2282	152	69	in	in	ADP
cjrl-2282	152	70	payment	payment	NOUN
cjrl-2282	152	71	and	and	CCONJ
cjrl-2282	152	72	helped	help	VERB
cjrl-2282	152	73	relieve	relieve	VERB
cjrl-2282	152	74	the	the	DET
cjrl-2282	152	75	problem	problem	NOUN
cjrl-2282	152	76	of	of	ADP
cjrl-2282	152	77	holdover	holdover	ADJ
cjrl-2282	152	78	float	float	NOUN
cjrl-2282	152	79	.	.	PUNCT
cjrl-2282	153	1	under	under	ADP
cjrl-2282	153	2	the	the	DET
cjrl-2282	153	3	federal	federal	ADJ
cjrl-2282	153	4	law	law	NOUN
cjrl-2282	153	5	,	,	PUNCT
cjrl-2282	153	6	the	the	DET
cjrl-2282	153	7	speed	speed	NOUN
cjrl-2282	153	8	with	with	ADP
cjrl-2282	153	9	which	which	PRON
cjrl-2282	153	10	depositary	depositary	ADJ
cjrl-2282	153	11	banks	bank	NOUN
cjrl-2282	153	12	must	must	AUX
cjrl-2282	153	13	make	make	VERB
cjrl-2282	153	14	funds	fund	NOUN
cjrl-2282	153	15	from	from	ADP
cjrl-2282	153	16	deposits	deposit	NOUN
cjrl-2282	153	17	available	available	ADJ
cjrl-2282	153	18	to	to	ADP
cjrl-2282	153	19	its	its	PRON
cjrl-2282	153	20	account	account	NOUN
cjrl-2282	153	21	holders	holder	NOUN
cjrl-2282	153	22	is	be	AUX
cjrl-2282	153	23	determined	determine	VERB
cjrl-2282	153	24	by	by	ADP
cjrl-2282	153	25	an	an	DET
cjrl-2282	153	26	availability	availability	NOUN
cjrl-2282	153	27	schedule	schedule	NOUN
cjrl-2282	153	28	that	that	PRON
cjrl-2282	153	29	changes	change	VERB
cjrl-2282	153	30	depending	depend	VERB
cjrl-2282	153	31	on	on	ADP
cjrl-2282	153	32	the	the	DET
cjrl-2282	153	33	nature	nature	NOUN
cjrl-2282	153	34	of	of	ADP
cjrl-2282	153	35	the	the	DET
cjrl-2282	153	36	deposit	deposit	NOUN
cjrl-2282	153	37	and	and	CCONJ
cjrl-2282	153	38	withdrawal.29	withdrawal.29	PROPN
cjrl-2282	153	39	significantly	significantly	ADV
cjrl-2282	153	40	,	,	PUNCT
cjrl-2282	153	41	regulation	regulation	NOUN
cjrl-2282	153	42	cc	cc	VERB
cjrl-2282	153	43	’s	’s	ADJ
cjrl-2282	153	44	permanent	permanent	ADJ
cjrl-2282	153	45	availability	availability	NOUN
cjrl-2282	153	46	schedule	schedule	NOUN
cjrl-2282	153	47	does	do	AUX
cjrl-2282	153	48	not	not	PART
cjrl-2282	153	49	eliminate	eliminate	VERB
cjrl-2282	153	50	the	the	DET
cjrl-2282	153	51	midnight	midnight	NOUN
cjrl-2282	153	52	deadline	deadline	NOUN
cjrl-2282	153	53	rules	rule	NOUN
cjrl-2282	153	54	.	.	PUNCT
cjrl-2282	154	1	consequently	consequently	ADV
cjrl-2282	154	2	,	,	PUNCT
cjrl-2282	154	3	both	both	DET
cjrl-2282	154	4	sets	set	NOUN
cjrl-2282	154	5	of	of	ADP
cjrl-2282	154	6	timing	timing	NOUN
cjrl-2282	154	7	rules	rule	NOUN
cjrl-2282	154	8	continue	continue	VERB
cjrl-2282	154	9	to	to	PART
cjrl-2282	154	10	co	co	VERB
cjrl-2282	154	11	24	24	NUM
cjrl-2282	154	12	the	the	DET
cjrl-2282	154	13	expedited	expedite	VERB
cjrl-2282	154	14	funds	fund	NOUN
cjrl-2282	154	15	availability	availability	PROPN
cjrl-2282	154	16	act	act	PROPN
cjrl-2282	154	17	,	,	PUNCT
cjrl-2282	154	18	12	12	NUM
cjrl-2282	154	19	u.s.c	u.s.c	ADJ
cjrl-2282	154	20	.	.	PUNCT
cjrl-2282	155	1	§	§	PROPN
cjrl-2282	155	2	§	§	PROPN
cjrl-2282	155	3	4001–4010	4001–4010	NUM
cjrl-2282	155	4	(	(	PUNCT
cjrl-2282	155	5	1987	1987	NUM
cjrl-2282	155	6	)	)	PUNCT
cjrl-2282	155	7	.	.	PUNCT
cjrl-2282	156	1	25	25	NUM
cjrl-2282	157	1	i	i	PRON
cjrl-2282	157	2	d.	d.	PROPN
cjrl-2282	157	3	the	the	DET
cjrl-2282	157	4	efaa	efaa	NOUN
cjrl-2282	157	5	is	be	AUX
cjrl-2282	157	6	found	find	VERB
cjrl-2282	157	7	under	under	ADP
cjrl-2282	157	8	title	title	NOUN
cjrl-2282	157	9	iv	iv	NOUN
cjrl-2282	157	10	of	of	ADP
cjrl-2282	157	11	the	the	DET
cjrl-2282	157	12	competitive	competitive	ADJ
cjrl-2282	157	13	equality	equality	NOUN
cjrl-2282	157	14	banking	banking	NOUN
cjrl-2282	157	15	act	act	NOUN
cjrl-2282	157	16	of	of	ADP
cjrl-2282	157	17	1987	1987	NUM
cjrl-2282	157	18	.	.	PUNCT
cjrl-2282	158	1	the	the	DET
cjrl-2282	158	2	act	act	NOUN
cjrl-2282	158	3	was	be	AUX
cjrl-2282	158	4	enacted	enact	VERB
cjrl-2282	158	5	on	on	ADP
cjrl-2282	158	6	august	august	PROPN
cjrl-2282	158	7	10	10	NUM
cjrl-2282	158	8	,	,	PUNCT
cjrl-2282	158	9	1987	1987	NUM
cjrl-2282	158	10	and	and	CCONJ
cjrl-2282	158	11	was	be	AUX
cjrl-2282	158	12	previously	previously	ADV
cjrl-2282	158	13	known	know	VERB
cjrl-2282	158	14	as	as	ADP
cjrl-2282	158	15	section	section	NOUN
cjrl-2282	158	16	601	601	NUM
cjrl-2282	158	17	of	of	ADP
cjrl-2282	158	18	title	title	NOUN
cjrl-2282	158	19	vi	vi	PROPN
cjrl-2282	158	20	of	of	ADP
cjrl-2282	158	21	the	the	DET
cjrl-2282	158	22	act	act	NOUN
cjrl-2282	158	23	of	of	ADP
cjrl-2282	158	24	august	august	PROPN
cjrl-2282	158	25	10	10	NUM
cjrl-2282	158	26	,	,	PUNCT
cjrl-2282	158	27	1987	1987	NUM
cjrl-2282	158	28	.	.	PUNCT
cjrl-2282	159	1	26	26	NUM
cjrl-2282	159	2	see	see	VERB
cjrl-2282	159	3	12	12	NUM
cjrl-2282	159	4	c.f.r	c.f.r	NOUN
cjrl-2282	159	5	.	.	PUNCT
cjrl-2282	160	1	§	§	PROPN
cjrl-2282	160	2	229.1(b)(2)–(3)(2012	229.1(b)(2)–(3)(2012	NUM
cjrl-2282	160	3	)	)	PUNCT
cjrl-2282	160	4	.	.	PUNCT
cjrl-2282	161	1	section	section	NOUN
cjrl-2282	161	2	229.1(b)(2	229.1(b)(2	NUM
cjrl-2282	161	3	)	)	PUNCT
cjrl-2282	161	4	states	state	NOUN
cjrl-2282	161	5	:	:	PUNCT
cjrl-2282	161	6	“	"	PUNCT
cjrl-2282	161	7	subpart	subpart	NOUN
cjrl-2282	161	8	b	b	NOUN
cjrl-2282	161	9	of	of	ADP
cjrl-2282	161	10	this	this	DET
cjrl-2282	161	11	part	part	NOUN
cjrl-2282	161	12	contains	contain	VERB
cjrl-2282	161	13	rules	rule	NOUN
cjrl-2282	161	14	regarding	regard	VERB
cjrl-2282	161	15	the	the	DET
cjrl-2282	161	16	duty	duty	NOUN
cjrl-2282	161	17	of	of	ADP
cjrl-2282	161	18	banks	bank	NOUN
cjrl-2282	161	19	to	to	PART
cjrl-2282	161	20	make	make	VERB
cjrl-2282	161	21	funds	fund	NOUN
cjrl-2282	161	22	deposited	deposit	VERB
cjrl-2282	161	23	into	into	ADP
cjrl-2282	161	24	accounts	account	NOUN
cjrl-2282	161	25	available	available	ADJ
cjrl-2282	161	26	for	for	ADP
cjrl-2282	161	27	withdrawals	withdrawal	NOUN
cjrl-2282	161	28	,	,	PUNCT
cjrl-2282	161	29	including	include	VERB
cjrl-2282	161	30	availability	availability	NOUN
cjrl-2282	161	31	schedules	schedule	NOUN
cjrl-2282	161	32	,	,	PUNCT
cjrl-2282	161	33	disclosure	disclosure	NOUN
cjrl-2282	161	34	of	of	ADP
cjrl-2282	161	35	funds	fund	NOUN
cjrl-2282	161	36	availability	availability	NOUN
cjrl-2282	161	37	policies	policy	NOUN
cjrl-2282	161	38	,	,	PUNCT
cjrl-2282	161	39	payment	payment	NOUN
cjrl-2282	161	40	of	of	ADP
cjrl-2282	161	41	interest	interest	NOUN
cjrl-2282	161	42	,	,	PUNCT
cjrl-2282	161	43	liability	liability	NOUN
cjrl-2282	161	44	of	of	ADP
cjrl-2282	161	45	banks	bank	NOUN
cjrl-2282	161	46	for	for	ADP
cjrl-2282	161	47	failure	failure	NOUN
cjrl-2282	161	48	to	to	PART
cjrl-2282	161	49	comply	comply	VERB
cjrl-2282	161	50	with	with	ADP
cjrl-2282	161	51	subpart	subpart	NOUN
cjrl-2282	161	52	b	b	PROPN
cjrl-2282	161	53	of	of	ADP
cjrl-2282	161	54	this	this	DET
cjrl-2282	161	55	part	part	NOUN
cjrl-2282	161	56	,	,	PUNCT
cjrl-2282	161	57	and	and	CCONJ
cjrl-2282	161	58	other	other	ADJ
cjrl-2282	161	59	matters	matter	NOUN
cjrl-2282	161	60	.	.	PUNCT
cjrl-2282	161	61	”	"	PUNCT
cjrl-2282	162	1	along	along	ADP
cjrl-2282	162	2	the	the	DET
cjrl-2282	162	3	same	same	ADJ
cjrl-2282	162	4	lines	line	NOUN
cjrl-2282	162	5	,	,	PUNCT
cjrl-2282	162	6	section	section	NOUN
cjrl-2282	162	7	229.1(b)(3	229.1(b)(3	NUM
cjrl-2282	162	8	)	)	PUNCT
cjrl-2282	162	9	states	state	NOUN
cjrl-2282	162	10	:	:	PUNCT
cjrl-2282	162	11	“	"	PUNCT
cjrl-2282	162	12	subpart	subpart	NOUN
cjrl-2282	162	13	c	c	NOUN
cjrl-2282	162	14	of	of	ADP
cjrl-2282	162	15	this	this	DET
cjrl-2282	162	16	part	part	NOUN
cjrl-2282	162	17	contains	contain	VERB
cjrl-2282	162	18	rules	rule	NOUN
cjrl-2282	162	19	to	to	PART
cjrl-2282	162	20	expedite	expedite	VERB
cjrl-2282	162	21	the	the	DET
cjrl-2282	162	22	collection	collection	NOUN
cjrl-2282	162	23	and	and	CCONJ
cjrl-2282	162	24	return	return	NOUN
cjrl-2282	162	25	of	of	ADP
cjrl-2282	162	26	checks	check	NOUN
cjrl-2282	162	27	by	by	ADP
cjrl-2282	162	28	banks	bank	NOUN
cjrl-2282	162	29	.	.	PUNCT
cjrl-2282	163	1	these	these	DET
cjrl-2282	163	2	rules	rule	NOUN
cjrl-2282	163	3	cover	cover	VERB
cjrl-2282	163	4	the	the	DET
cjrl-2282	163	5	direct	direct	ADJ
cjrl-2282	163	6	return	return	NOUN
cjrl-2282	163	7	of	of	ADP
cjrl-2282	163	8	checks	check	NOUN
cjrl-2282	163	9	,	,	PUNCT
cjrl-2282	163	10	the	the	DET
cjrl-2282	163	11	manner	manner	NOUN
cjrl-2282	163	12	in	in	ADP
cjrl-2282	163	13	which	which	PRON
cjrl-2282	163	14	the	the	DET
cjrl-2282	163	15	paying	pay	VERB
cjrl-2282	163	16	bank	bank	NOUN
cjrl-2282	163	17	and	and	CCONJ
cjrl-2282	163	18	the	the	DET
cjrl-2282	163	19	returning	return	VERB
cjrl-2282	163	20	banks	bank	NOUN
cjrl-2282	163	21	must	must	AUX
cjrl-2282	163	22	return	return	VERB
cjrl-2282	163	23	checks	check	NOUN
cjrl-2282	163	24	to	to	ADP
cjrl-2282	163	25	the	the	DET
cjrl-2282	163	26	depositary	depositary	PROPN
cjrl-2282	163	27	bank	bank	NOUN
cjrl-2282	163	28	,	,	PUNCT
cjrl-2282	163	29	notification	notification	NOUN
cjrl-2282	163	30	of	of	ADP
cjrl-2282	163	31	nonpayment	nonpayment	NOUN
cjrl-2282	163	32	by	by	ADP
cjrl-2282	163	33	the	the	DET
cjrl-2282	163	34	paying	pay	VERB
cjrl-2282	163	35	bank	bank	NOUN
cjrl-2282	163	36	,	,	PUNCT
cjrl-2282	163	37	endorsement	endorsement	NOUN
cjrl-2282	163	38	and	and	CCONJ
cjrl-2282	163	39	presentment	presentment	NOUN
cjrl-2282	163	40	of	of	ADP
cjrl-2282	163	41	check	check	NOUN
cjrl-2282	163	42	,	,	PUNCT
cjrl-2282	163	43	same	same	ADJ
cjrl-2282	163	44	-	-	PUNCT
cjrl-2282	163	45	day	day	NOUN
cjrl-2282	163	46	settlement	settlement	NOUN
cjrl-2282	163	47	for	for	ADP
cjrl-2282	163	48	certain	certain	ADJ
cjrl-2282	163	49	check	check	NOUN
cjrl-2282	163	50	,	,	PUNCT
cjrl-2282	163	51	the	the	DET
cjrl-2282	163	52	liability	liability	NOUN
cjrl-2282	163	53	of	of	ADP
cjrl-2282	163	54	banks	bank	NOUN
cjrl-2282	163	55	for	for	ADP
cjrl-2282	163	56	failure	failure	NOUN
cjrl-2282	163	57	to	to	PART
cjrl-2282	163	58	comply	comply	VERB
cjrl-2282	163	59	with	with	ADP
cjrl-2282	163	60	subpart	subpart	NOUN
cjrl-2282	163	61	c	c	NOUN
cjrl-2282	163	62	of	of	ADP
cjrl-2282	163	63	this	this	DET
cjrl-2282	163	64	part	part	NOUN
cjrl-2282	163	65	,	,	PUNCT
cjrl-2282	163	66	and	and	CCONJ
cjrl-2282	163	67	other	other	ADJ
cjrl-2282	163	68	matters	matter	NOUN
cjrl-2282	163	69	.	.	PUNCT
cjrl-2282	163	70	”	"	PUNCT
cjrl-2282	164	1	27	27	NUM
cjrl-2282	164	2	12	12	NUM
cjrl-2282	164	3	c.f.r	c.f.r	NOUN
cjrl-2282	164	4	.	.	PUNCT
cjrl-2282	165	1	§	§	PROPN
cjrl-2282	165	2	229	229	NUM
cjrl-2282	165	3	(	(	PUNCT
cjrl-2282	165	4	2012	2012	NUM
cjrl-2282	165	5	)	)	PUNCT
cjrl-2282	165	6	.	.	PUNCT
cjrl-2282	166	1	28	28	NUM
cjrl-2282	166	2	warren	warren	PROPN
cjrl-2282	166	3	&	&	CCONJ
cjrl-2282	166	4	walt	walt	PROPN
cjrl-2282	166	5	,	,	PUNCT
cjrl-2282	166	6	supra	supra	PROPN
cjrl-2282	166	7	note	note	NOUN
cjrl-2282	166	8	22	22	NUM
cjrl-2282	166	9	,	,	PUNCT
cjrl-2282	166	10	at	at	ADP
cjrl-2282	166	11	169	169	NUM
cjrl-2282	166	12	.	.	PUNCT
cjrl-2282	166	13	29	29	NUM
cjrl-2282	166	14	see	see	VERB
cjrl-2282	166	15	appendix	appendix	NOUN
cjrl-2282	166	16	b	b	NOUN
cjrl-2282	166	17	for	for	ADP
cjrl-2282	166	18	a	a	DET
cjrl-2282	166	19	chart	chart	NOUN
cjrl-2282	166	20	of	of	ADP
cjrl-2282	166	21	the	the	DET
cjrl-2282	166	22	availability	availability	NOUN
cjrl-2282	166	23	schedules	schedule	NOUN
cjrl-2282	166	24	.	.	PUNCT
cjrl-2282	167	1	the	the	DET
cjrl-2282	167	2	availability	availability	NOUN
cjrl-2282	167	3	has	have	VERB
cjrl-2282	167	4	numerous	numerous	ADJ
cjrl-2282	167	5	exemptions	exemption	NOUN
cjrl-2282	167	6	that	that	PRON
cjrl-2282	167	7	allow	allow	VERB
cjrl-2282	167	8	the	the	DET
cjrl-2282	167	9	depositary	depositary	ADJ
cjrl-2282	167	10	banks	bank	NOUN
cjrl-2282	167	11	to	to	PART
cjrl-2282	167	12	delay	delay	VERB
cjrl-2282	167	13	fund	fund	NOUN
cjrl-2282	167	14	withdrawal	withdrawal	PROPN
cjrl-2282	167	15	.	.	PUNCT
cjrl-2282	168	1	the	the	DET
cjrl-2282	168	2	situations	situation	NOUN
cjrl-2282	168	3	include	include	VERB
cjrl-2282	168	4	:	:	PUNCT
cjrl-2282	168	5	new	new	ADJ
cjrl-2282	168	6	accounts	account	NOUN
cjrl-2282	168	7	where	where	SCONJ
cjrl-2282	168	8	the	the	DET
cjrl-2282	168	9	account	account	NOUN
cjrl-2282	168	10	is	be	AUX
cjrl-2282	168	11	open	open	ADJ
cjrl-2282	168	12	for	for	ADP
cjrl-2282	168	13	thirty	thirty	NUM
cjrl-2282	168	14	days	day	NOUN
cjrl-2282	168	15	or	or	CCONJ
cjrl-2282	168	16	less	less	ADJ
cjrl-2282	168	17	;	;	PUNCT
cjrl-2282	168	18	large	large	ADJ
cjrl-2282	168	19	deposits	deposit	NOUN
cjrl-2282	168	20	where	where	SCONJ
cjrl-2282	168	21	deposits	deposit	NOUN
cjrl-2282	168	22	that	that	PRON
cjrl-2282	168	23	aggregate	aggregate	VERB
cjrl-2282	168	24	more	more	ADJ
cjrl-2282	168	25	than	than	ADP
cjrl-2282	168	26	$	$	SYM
cjrl-2282	168	27	5,000	5,000	NUM
cjrl-2282	168	28	on	on	ADP
cjrl-2282	168	29	one	one	NUM
cjrl-2282	168	30	banking	banking	NOUN
cjrl-2282	168	31	day	day	NOUN
cjrl-2282	168	32	;	;	PUNCT
cjrl-2282	168	33	re	re	VERB
cjrl-2282	168	34	-	-	VERB
cjrl-2282	168	35	deposited	deposit	VERB
cjrl-2282	168	36	checks	check	NOUN
cjrl-2282	168	37	where	where	SCONJ
cjrl-2282	168	38	checks	check	NOUN
cjrl-2282	168	39	have	have	AUX
cjrl-2282	168	40	been	be	AUX
cjrl-2282	168	41	dishonored	dishonor	VERB
cjrl-2282	168	42	and	and	CCONJ
cjrl-2282	168	43	a	a	DET
cjrl-2282	168	44	redeposit	redeposit	NOUN
cjrl-2282	168	45	is	be	AUX
cjrl-2282	168	46	attempted	attempt	VERB
cjrl-2282	168	47	;	;	PUNCT
cjrl-2282	168	48	repeated	repeat	VERB
cjrl-2282	168	49	overdrafts	overdraft	NOUN
cjrl-2282	168	50	where	where	SCONJ
cjrl-2282	168	51	customer	customer	NOUN
cjrl-2282	168	52	accounts	account	NOUN
cjrl-2282	168	53	are	be	AUX
cjrl-2282	168	54	“	"	PUNCT
cjrl-2282	168	55	repeatedly	repeatedly	ADV
cjrl-2282	168	56	overdrawn	overdrawn	ADJ
cjrl-2282	168	57	”	"	PUNCT
cjrl-2282	168	58	;	;	PUNCT
cjrl-2282	168	59	“	"	PUNCT
cjrl-2282	168	60	reasonable	reasonable	ADJ
cjrl-2282	168	61	cause	cause	NOUN
cjrl-2282	168	62	to	to	PART
cjrl-2282	168	63	doubt	doubt	VERB
cjrl-2282	168	64	collectability	collectability	NOUN
cjrl-2282	168	65	”	"	PUNCT
cjrl-2282	168	66	where	where	SCONJ
cjrl-2282	168	67	“	"	PUNCT
cjrl-2282	168	68	the	the	DET
cjrl-2282	168	69	depositary	depositary	PROPN
cjrl-2282	168	70	bank	bank	PROPN
cjrl-2282	168	71	has	have	VERB
cjrl-2282	168	72	reasonable	reasonable	ADJ
cjrl-2282	168	73	cause	cause	NOUN
cjrl-2282	168	74	to	to	PART
cjrl-2282	168	75	believe	believe	VERB
cjrl-2282	168	76	that	that	SCONJ
cjrl-2282	168	77	the	the	DET
cjrl-2282	168	78	check	check	NOUN
cjrl-2282	168	79	is	be	AUX
cjrl-2282	168	80	uncollectible	uncollectible	ADJ
cjrl-2282	168	81	”	"	PUNCT
cjrl-2282	168	82	;	;	PUNCT
cjrl-2282	168	83	emergency	emergency	NOUN
cjrl-2282	168	84	conditions	condition	NOUN
cjrl-2282	168	85	where	where	SCONJ
cjrl-2282	168	86	emergency	emergency	NOUN
cjrl-2282	168	87	conditions	condition	NOUN
cjrl-2282	168	88	exist	exist	VERB
cjrl-2282	168	89	“	"	PUNCT
cjrl-2282	168	90	beyond	beyond	ADP
cjrl-2282	168	91	the	the	DET
cjrl-2282	168	92	control	control	NOUN
cjrl-2282	168	93	of	of	ADP
cjrl-2282	168	94	the	the	DET
cjrl-2282	168	95	depositary	depositary	ADJ
cjrl-2282	168	96	bank	bank	NOUN
cjrl-2282	168	97	,	,	PUNCT
cjrl-2282	168	98	if	if	SCONJ
cjrl-2282	168	99	the	the	DET
cjrl-2282	168	100	depositary	depositary	ADJ
cjrl-2282	168	101	bank	bank	PROPN
cjrl-2282	168	102	exercises	exercise	VERB
cjrl-2282	168	103	such	such	ADJ
cjrl-2282	168	104	diligence	diligence	NOUN
cjrl-2282	168	105	as	as	SCONJ
cjrl-2282	168	106	the	the	DET
cjrl-2282	168	107	circumstances	circumstance	NOUN
cjrl-2282	168	108	require	require	VERB
cjrl-2282	168	109	”	"	PUNCT
cjrl-2282	168	110	;	;	PUNCT
cjrl-2282	168	111	“	"	PUNCT
cjrl-2282	168	112	notice	notice	NOUN
cjrl-2282	168	113	of	of	ADP
cjrl-2282	168	114	exception	exception	NOUN
cjrl-2282	168	115	”	"	PUNCT
cjrl-2282	168	116	where	where	SCONJ
cjrl-2282	168	117	notice	notice	NOUN
cjrl-2282	168	118	is	be	AUX
cjrl-2282	168	119	given	give	VERB
cjrl-2282	168	120	to	to	ADP
cjrl-2282	168	121	the	the	DET
cjrl-2282	168	122	customer	customer	NOUN
cjrl-2282	168	123	at	at	ADP
cjrl-2282	168	124	the	the	DET
cjrl-2282	168	125	time	time	NOUN
cjrl-2282	168	126	of	of	ADP
cjrl-2282	168	127	deposit	deposit	NOUN
cjrl-2282	168	128	;	;	PUNCT
cjrl-2282	168	129	“	"	PUNCT
cjrl-2282	168	130	length	length	NOUN
cjrl-2282	168	131	of	of	ADP
cjrl-2282	168	132	delay	delay	NOUN
cjrl-2282	168	133	due	due	ADP
cjrl-2282	168	134	to	to	ADP
cjrl-2282	168	135	exceptions	exception	NOUN
cjrl-2282	168	136	”	"	PUNCT
cjrl-2282	168	137	where	where	SCONJ
cjrl-2282	168	138	the	the	DET
cjrl-2282	168	139	bank	bank	NOUN
cjrl-2282	168	140	can	can	AUX
cjrl-2282	168	141	delay	delay	VERB
cjrl-2282	168	142	availability	availability	NOUN
cjrl-2282	168	143	for	for	ADP
cjrl-2282	168	144	“	"	PUNCT
cjrl-2282	168	145	a	a	DET
cjrl-2282	168	146	reasonable	reasonable	ADJ
cjrl-2282	168	147	period	period	NOUN
cjrl-2282	168	148	of	of	ADP
cjrl-2282	168	149	time	time	NOUN
cjrl-2282	168	150	”	"	PUNCT
cjrl-2282	168	151	of	of	ADP
cjrl-2282	168	152	up	up	ADP
cjrl-2282	168	153	to	to	PART
cjrl-2282	168	154	five	five	NUM
cjrl-2282	168	155	business	business	NOUN
cjrl-2282	168	156	days	day	NOUN
cjrl-2282	168	157	for	for	ADP
cjrl-2282	168	158	local	local	ADJ
cjrl-2282	168	159	checks	check	NOUN
cjrl-2282	168	160	and	and	CCONJ
cjrl-2282	168	161	six	six	NUM
cjrl-2282	168	162	days	day	NOUN
cjrl-2282	168	163	for	for	ADP
cjrl-2282	168	164	non	non	ADJ
cjrl-2282	168	165	-	-	ADJ
cjrl-2282	168	166	local	local	ADJ
cjrl-2282	168	167	checks	check	NOUN
cjrl-2282	168	168	.	.	PUNCT
cjrl-2282	169	1	see	see	VERB
cjrl-2282	169	2	12	12	NUM
cjrl-2282	169	3	c.f.r	c.f.r	NOUN
cjrl-2282	169	4	.	.	PUNCT
cjrl-2282	170	1	§	§	PROPN
cjrl-2282	170	2	229.13	229.13	NUM
cjrl-2282	170	3	(	(	PUNCT
cjrl-2282	170	4	2012	2012	NUM
cjrl-2282	170	5	)	)	PUNCT
cjrl-2282	170	6	.	.	PUNCT
cjrl-2282	171	1	80	80	NUM
cjrl-2282	171	2	checking	check	VERB
cjrl-2282	171	3	out	out	ADP
cjrl-2282	171	4	the	the	DET
cjrl-2282	171	5	exception	exception	NOUN
cjrl-2282	171	6	to	to	ADP
cjrl-2282	171	7	3	3	NUM
cjrl-2282	171	8	-	-	SYM
cjrl-2282	171	9	104	104	NUM
cjrl-2282	171	10	vol	vol	NOUN
cjrl-2282	171	11	.	.	PUNCT
cjrl-2282	172	1	3:1	3:1	NUM
cjrl-2282	173	1	exist.30	exist.30	NOUN
cjrl-2282	173	2	to	to	ADP
cjrl-2282	173	3	co	co	VERB
cjrl-2282	173	4	-	-	VERB
cjrl-2282	173	5	exist	exist	VERB
cjrl-2282	173	6	,	,	PUNCT
cjrl-2282	173	7	banks	bank	NOUN
cjrl-2282	173	8	can	can	AUX
cjrl-2282	173	9	continue	continue	VERB
cjrl-2282	173	10	to	to	PART
cjrl-2282	173	11	collect	collect	VERB
cjrl-2282	173	12	checks	check	NOUN
cjrl-2282	173	13	using	use	VERB
cjrl-2282	173	14	the	the	DET
cjrl-2282	173	15	interbank	interbank	NOUN
cjrl-2282	173	16	collections	collection	NOUN
cjrl-2282	173	17	process	process	NOUN
cjrl-2282	173	18	and	and	CCONJ
cjrl-2282	173	19	are	be	AUX
cjrl-2282	173	20	allowed	allow	VERB
cjrl-2282	173	21	to	to	PART
cjrl-2282	173	22	make	make	VERB
cjrl-2282	173	23	a	a	DET
cjrl-2282	173	24	decision	decision	NOUN
cjrl-2282	173	25	about	about	ADP
cjrl-2282	173	26	whether	whether	SCONJ
cjrl-2282	173	27	to	to	PART
cjrl-2282	173	28	honor	honor	VERB
cjrl-2282	173	29	a	a	DET
cjrl-2282	173	30	presentment	presentment	NOUN
cjrl-2282	173	31	before	before	ADP
cjrl-2282	173	32	the	the	DET
cjrl-2282	173	33	expiration	expiration	NOUN
cjrl-2282	173	34	of	of	ADP
cjrl-2282	173	35	the	the	DET
cjrl-2282	173	36	paying	pay	VERB
cjrl-2282	173	37	bank	bank	NOUN
cjrl-2282	173	38	’s	’s	PART
cjrl-2282	173	39	midnight	midnight	NOUN
cjrl-2282	173	40	deadline	deadline	NOUN
cjrl-2282	173	41	as	as	ADV
cjrl-2282	173	42	long	long	ADV
cjrl-2282	173	43	as	as	SCONJ
cjrl-2282	173	44	they	they	PRON
cjrl-2282	173	45	also	also	ADV
cjrl-2282	173	46	do	do	VERB
cjrl-2282	173	47	so	so	ADV
cjrl-2282	173	48	before	before	SCONJ
cjrl-2282	173	49	the	the	DET
cjrl-2282	173	50	depositary	depositary	ADJ
cjrl-2282	173	51	bank	bank	NOUN
cjrl-2282	173	52	must	must	AUX
cjrl-2282	173	53	make	make	VERB
cjrl-2282	173	54	the	the	DET
cjrl-2282	173	55	funds	fund	NOUN
cjrl-2282	173	56	available	available	ADJ
cjrl-2282	173	57	to	to	ADP
cjrl-2282	173	58	the	the	DET
cjrl-2282	173	59	depositor	depositor	NOUN
cjrl-2282	173	60	in	in	ADP
cjrl-2282	173	61	compliance	compliance	NOUN
cjrl-2282	173	62	with	with	ADP
cjrl-2282	173	63	regulation	regulation	NOUN
cjrl-2282	173	64	cc	cc	NOUN
cjrl-2282	173	65	’s	’s	PART
cjrl-2282	173	66	availability	availability	NOUN
cjrl-2282	173	67	schedule	schedule	NOUN
cjrl-2282	173	68	.	.	PUNCT
cjrl-2282	174	1	b.	b.	PROPN
cjrl-2282	174	2	check	check	NOUN
cjrl-2282	174	3	21	21	NUM
cjrl-2282	174	4	in	in	ADP
cjrl-2282	174	5	2004	2004	NUM
cjrl-2282	174	6	,	,	PUNCT
cjrl-2282	174	7	more	more	ADJ
cjrl-2282	174	8	than	than	ADP
cjrl-2282	174	9	fifteen	fifteen	NUM
cjrl-2282	174	10	years	year	NOUN
cjrl-2282	174	11	after	after	ADP
cjrl-2282	174	12	the	the	DET
cjrl-2282	174	13	passage	passage	NOUN
cjrl-2282	174	14	of	of	ADP
cjrl-2282	174	15	the	the	DET
cjrl-2282	174	16	efaa	efaa	NOUN
cjrl-2282	174	17	,	,	PUNCT
cjrl-2282	174	18	the	the	DET
cjrl-2282	174	19	second	second	NOUN
cjrl-2282	174	20	of	of	ADP
cjrl-2282	174	21	the	the	DET
cjrl-2282	174	22	two	two	NUM
cjrl-2282	174	23	major	major	ADJ
cjrl-2282	174	24	reforms	reform	NOUN
cjrl-2282	174	25	was	be	AUX
cjrl-2282	174	26	passed	pass	VERB
cjrl-2282	174	27	by	by	ADP
cjrl-2282	174	28	congress	congress	PROPN
cjrl-2282	174	29	under	under	ADP
cjrl-2282	174	30	the	the	DET
cjrl-2282	174	31	name	name	NOUN
cjrl-2282	174	32	,	,	PUNCT
cjrl-2282	174	33	the	the	DET
cjrl-2282	174	34	check	check	NOUN
cjrl-2282	174	35	collection	collection	NOUN
cjrl-2282	174	36	for	for	ADP
cjrl-2282	174	37	the	the	DET
cjrl-2282	174	38	twenty	twenty	NUM
cjrl-2282	174	39	-	-	PUNCT
cjrl-2282	174	40	first	first	ADJ
cjrl-2282	174	41	century	century	NOUN
cjrl-2282	174	42	act	act	NOUN
cjrl-2282	174	43	,	,	PUNCT
cjrl-2282	174	44	commonly	commonly	ADV
cjrl-2282	174	45	known	know	VERB
cjrl-2282	174	46	as	as	ADP
cjrl-2282	174	47	“	"	PUNCT
cjrl-2282	174	48	check	check	VERB
cjrl-2282	174	49	21	21	NUM
cjrl-2282	174	50	.	.	PUNCT
cjrl-2282	174	51	”	"	PUNCT
cjrl-2282	175	1	among	among	ADP
cjrl-2282	175	2	other	other	ADJ
cjrl-2282	175	3	things	thing	NOUN
cjrl-2282	175	4	,	,	PUNCT
cjrl-2282	175	5	check	check	VERB
cjrl-2282	175	6	21	21	NUM
cjrl-2282	175	7	empowered	empower	VERB
cjrl-2282	175	8	the	the	DET
cjrl-2282	175	9	fed	fed	PROPN
cjrl-2282	175	10	to	to	PART
cjrl-2282	175	11	promulgate	promulgate	VERB
cjrl-2282	175	12	regulations	regulation	NOUN
cjrl-2282	175	13	to	to	PART
cjrl-2282	175	14	achieve	achieve	VERB
cjrl-2282	175	15	its	its	PRON
cjrl-2282	175	16	goals	goal	NOUN
cjrl-2282	175	17	.	.	PUNCT
cjrl-2282	176	1	the	the	DET
cjrl-2282	176	2	fed	fed	PROPN
cjrl-2282	176	3	did	do	AUX
cjrl-2282	176	4	so	so	ADV
cjrl-2282	176	5	by	by	ADP
cjrl-2282	176	6	adding	add	VERB
cjrl-2282	176	7	new	new	ADJ
cjrl-2282	176	8	provisions	provision	NOUN
cjrl-2282	176	9	to	to	PART
cjrl-2282	176	10	regulation	regulation	VERB
cjrl-2282	176	11	cc.31	cc.31	NOUN
cjrl-2282	176	12	check	check	NOUN
cjrl-2282	176	13	21	21	NUM
cjrl-2282	176	14	continued	continue	VERB
cjrl-2282	176	15	to	to	PART
cjrl-2282	176	16	speed	speed	VERB
cjrl-2282	176	17	up	up	ADP
cjrl-2282	176	18	the	the	DET
cjrl-2282	176	19	check	check	NOUN
cjrl-2282	176	20	collection	collection	NOUN
cjrl-2282	176	21	process	process	NOUN
cjrl-2282	176	22	by	by	ADP
cjrl-2282	176	23	removing	remove	VERB
cjrl-2282	176	24	two	two	NUM
cjrl-2282	176	25	impediments	impediment	NOUN
cjrl-2282	176	26	that	that	PRON
cjrl-2282	176	27	were	be	AUX
cjrl-2282	176	28	unaddressed	unaddresse	VERB
cjrl-2282	176	29	by	by	ADP
cjrl-2282	176	30	the	the	DET
cjrl-2282	176	31	first	first	ADJ
cjrl-2282	176	32	set	set	NOUN
cjrl-2282	176	33	of	of	ADP
cjrl-2282	176	34	regulation	regulation	NOUN
cjrl-2282	176	35	cc	cc	NOUN
cjrl-2282	176	36	’s	’s	PART
cjrl-2282	176	37	provisions	provision	NOUN
cjrl-2282	176	38	.	.	PUNCT
cjrl-2282	177	1	first	first	ADV
cjrl-2282	177	2	,	,	PUNCT
cjrl-2282	177	3	check	check	VERB
cjrl-2282	177	4	21	21	NUM
cjrl-2282	177	5	ushered	usher	VERB
cjrl-2282	177	6	in	in	ADP
cjrl-2282	177	7	the	the	DET
cjrl-2282	177	8	demise	demise	NOUN
cjrl-2282	177	9	of	of	ADP
cjrl-2282	177	10	the	the	DET
cjrl-2282	177	11	requirement	requirement	NOUN
cjrl-2282	177	12	of	of	ADP
cjrl-2282	177	13	privity	privity	NOUN
cjrl-2282	177	14	among	among	ADP
cjrl-2282	177	15	the	the	DET
cjrl-2282	177	16	collecting	collecting	NOUN
cjrl-2282	177	17	and	and	CCONJ
cjrl-2282	177	18	paying	pay	VERB
cjrl-2282	177	19	banks	bank	NOUN
cjrl-2282	177	20	.	.	PUNCT
cjrl-2282	178	1	this	this	PRON
cjrl-2282	178	2	allowed	allow	VERB
cjrl-2282	178	3	the	the	DET
cjrl-2282	178	4	depositary	depositary	ADJ
cjrl-2282	178	5	bank	bank	NOUN
cjrl-2282	178	6	to	to	PART
cjrl-2282	178	7	present	present	VERB
cjrl-2282	178	8	checks	check	NOUN
cjrl-2282	178	9	to	to	ADP
cjrl-2282	178	10	the	the	DET
cjrl-2282	178	11	paying	pay	VERB
cjrl-2282	178	12	bank	bank	NOUN
cjrl-2282	178	13	directly	directly	ADV
cjrl-2282	178	14	regardless	regardless	ADV
cjrl-2282	178	15	of	of	ADP
cjrl-2282	178	16	whether	whether	SCONJ
cjrl-2282	178	17	they	they	PRON
cjrl-2282	178	18	were	be	AUX
cjrl-2282	178	19	parties	party	NOUN
cjrl-2282	178	20	to	to	ADP
cjrl-2282	178	21	a	a	DET
cjrl-2282	178	22	separate	separate	ADJ
cjrl-2282	178	23	bankcustomer	bankcustomer	NOUN
cjrl-2282	178	24	relationship	relationship	NOUN
cjrl-2282	178	25	.	.	PUNCT
cjrl-2282	179	1	second	second	ADV
cjrl-2282	179	2	,	,	PUNCT
cjrl-2282	179	3	check	check	VERB
cjrl-2282	179	4	21	21	NUM
cjrl-2282	179	5	created	create	VERB
cjrl-2282	179	6	the	the	DET
cjrl-2282	179	7	innovation	innovation	NOUN
cjrl-2282	179	8	of	of	ADP
cjrl-2282	179	9	the	the	DET
cjrl-2282	179	10	“	"	PUNCT
cjrl-2282	179	11	substitute	substitute	NOUN
cjrl-2282	179	12	check	check	NOUN
cjrl-2282	179	13	.	.	PUNCT
cjrl-2282	179	14	”	"	PUNCT
cjrl-2282	180	1	prior	prior	ADV
cjrl-2282	180	2	to	to	PART
cjrl-2282	180	3	check	check	VERB
cjrl-2282	180	4	21	21	NUM
cjrl-2282	180	5	,	,	PUNCT
cjrl-2282	180	6	each	each	DET
cjrl-2282	180	7	bank	bank	NOUN
cjrl-2282	180	8	that	that	PRON
cjrl-2282	180	9	was	be	AUX
cjrl-2282	180	10	negotiating	negotiate	VERB
cjrl-2282	180	11	checks	check	NOUN
cjrl-2282	180	12	in	in	ADP
cjrl-2282	180	13	the	the	DET
cjrl-2282	180	14	collections	collection	NOUN
cjrl-2282	180	15	process	process	NOUN
cjrl-2282	180	16	was	be	AUX
cjrl-2282	180	17	still	still	ADV
cjrl-2282	180	18	required	require	VERB
cjrl-2282	180	19	to	to	PART
cjrl-2282	180	20	have	have	VERB
cjrl-2282	180	21	privity	privity	NOUN
cjrl-2282	180	22	with	with	ADP
cjrl-2282	180	23	the	the	DET
cjrl-2282	180	24	next	next	ADJ
cjrl-2282	180	25	collecting	collect	VERB
cjrl-2282	180	26	bank	bank	NOUN
cjrl-2282	180	27	in	in	ADP
cjrl-2282	180	28	the	the	DET
cjrl-2282	180	29	chain	chain	NOUN
cjrl-2282	180	30	.	.	PUNCT
cjrl-2282	181	1	moreover	moreover	ADV
cjrl-2282	181	2	,	,	PUNCT
cjrl-2282	181	3	article	article	NOUN
cjrl-2282	181	4	3	3	NUM
cjrl-2282	181	5	negotiation	negotiation	NOUN
cjrl-2282	181	6	required	require	VERB
cjrl-2282	181	7	each	each	DET
cjrl-2282	181	8	bank	bank	NOUN
cjrl-2282	181	9	to	to	PART
cjrl-2282	181	10	become	become	VERB
cjrl-2282	181	11	a	a	DET
cjrl-2282	181	12	holder	holder	NOUN
cjrl-2282	181	13	in	in	ADP
cjrl-2282	181	14	its	its	PRON
cjrl-2282	181	15	own	own	ADJ
cjrl-2282	181	16	right	right	NOUN
cjrl-2282	181	17	,	,	PUNCT
cjrl-2282	181	18	entailing	entail	VERB
cjrl-2282	181	19	physical	physical	ADJ
cjrl-2282	181	20	delivery	delivery	NOUN
cjrl-2282	181	21	of	of	ADP
cjrl-2282	181	22	the	the	DET
cjrl-2282	181	23	original	original	ADJ
cjrl-2282	181	24	check	check	NOUN
cjrl-2282	181	25	each	each	DET
cjrl-2282	181	26	time	time	NOUN
cjrl-2282	181	27	it	it	PRON
cjrl-2282	181	28	was	be	AUX
cjrl-2282	181	29	transferred	transfer	VERB
cjrl-2282	181	30	throughout	throughout	ADP
cjrl-2282	181	31	the	the	DET
cjrl-2282	181	32	collection	collection	NOUN
cjrl-2282	181	33	process	process	NOUN
cjrl-2282	181	34	through	through	ADP
cjrl-2282	181	35	the	the	DET
cjrl-2282	181	36	time	time	NOUN
cjrl-2282	181	37	of	of	ADP
cjrl-2282	181	38	its	its	PRON
cjrl-2282	181	39	presentment	presentment	NOUN
cjrl-2282	181	40	for	for	ADP
cjrl-2282	181	41	payment	payment	NOUN
cjrl-2282	181	42	to	to	ADP
cjrl-2282	181	43	the	the	DET
cjrl-2282	181	44	paying	pay	VERB
cjrl-2282	181	45	bank.32	bank.32	NOUN
cjrl-2282	181	46	truncation	truncation	NOUN
cjrl-2282	181	47	was	be	AUX
cjrl-2282	181	48	not	not	PART
cjrl-2282	181	49	allowed	allow	VERB
cjrl-2282	181	50	and	and	CCONJ
cjrl-2282	181	51	electronic	electronic	ADJ
cjrl-2282	181	52	versions	version	NOUN
cjrl-2282	181	53	were	be	AUX
cjrl-2282	181	54	allowed	allow	VERB
cjrl-2282	181	55	only	only	ADV
cjrl-2282	181	56	under	under	ADP
cjrl-2282	181	57	special	special	ADJ
cjrl-2282	181	58	arrangements.33	arrangements.33	ADJ
cjrl-2282	181	59	check	check	NOUN
cjrl-2282	181	60	21	21	NUM
cjrl-2282	181	61	,	,	PUNCT
cjrl-2282	181	62	however	however	ADV
cjrl-2282	181	63	,	,	PUNCT
cjrl-2282	181	64	allows	allow	VERB
cjrl-2282	181	65	depositary	depositary	ADJ
cjrl-2282	181	66	banks	bank	NOUN
cjrl-2282	181	67	to	to	PART
cjrl-2282	181	68	convert	convert	VERB
cjrl-2282	181	69	an	an	DET
cjrl-2282	181	70	original	original	ADJ
cjrl-2282	181	71	check	check	NOUN
cjrl-2282	181	72	into	into	ADP
cjrl-2282	181	73	a	a	DET
cjrl-2282	181	74	substitute	substitute	NOUN
cjrl-2282	181	75	check	check	NOUN
cjrl-2282	181	76	.	.	PUNCT
cjrl-2282	182	1	substitute	substitute	NOUN
cjrl-2282	182	2	checks	check	NOUN
cjrl-2282	182	3	can	can	AUX
cjrl-2282	182	4	travel	travel	VERB
cjrl-2282	182	5	through	through	ADP
cjrl-2282	182	6	the	the	DET
cjrl-2282	182	7	check	check	NOUN
cjrl-2282	182	8	-	-	PUNCT
cjrl-2282	182	9	collection	collection	NOUN
cjrl-2282	182	10	system	system	NOUN
cjrl-2282	182	11	in	in	ADP
cjrl-2282	182	12	place	place	NOUN
cjrl-2282	182	13	of	of	ADP
cjrl-2282	182	14	the	the	DET
cjrl-2282	182	15	original	original	ADJ
cjrl-2282	182	16	paper	paper	NOUN
cjrl-2282	182	17	check	check	NOUN
cjrl-2282	182	18	—	—	PUNCT
cjrl-2282	182	19	but	but	CCONJ
cjrl-2282	182	20	they	they	PRON
cjrl-2282	182	21	are	be	AUX
cjrl-2282	182	22	still	still	ADV
cjrl-2282	182	23	paper	paper	NOUN
cjrl-2282	182	24	checks!34	checks!34	NOUN
cjrl-2282	182	25	the	the	DET
cjrl-2282	182	26	substitute	substitute	NOUN
cjrl-2282	182	27	check	check	NOUN
cjrl-2282	182	28	must	must	AUX
cjrl-2282	182	29	be	be	AUX
cjrl-2282	182	30	a	a	DET
cjrl-2282	182	31	paper	paper	NOUN
cjrl-2282	182	32	reproduction	reproduction	NOUN
cjrl-2282	182	33	of	of	ADP
cjrl-2282	182	34	the	the	DET
cjrl-2282	182	35	original	original	ADJ
cjrl-2282	182	36	check	check	NOUN
cjrl-2282	182	37	that	that	PRON
cjrl-2282	182	38	contains	contain	VERB
cjrl-2282	182	39	an	an	DET
cjrl-2282	182	40	image	image	NOUN
cjrl-2282	182	41	of	of	ADP
cjrl-2282	182	42	the	the	DET
cjrl-2282	182	43	front	front	NOUN
cjrl-2282	182	44	and	and	CCONJ
cjrl-2282	182	45	the	the	DET
cjrl-2282	182	46	back	back	NOUN
cjrl-2282	182	47	of	of	ADP
cjrl-2282	182	48	the	the	DET
cjrl-2282	182	49	original	original	ADJ
cjrl-2282	182	50	paper	paper	NOUN
cjrl-2282	182	51	check.35	check.35	NOUN
cjrl-2282	182	52	the	the	DET
cjrl-2282	182	53	substitute	substitute	NOUN
cjrl-2282	182	54	check	check	NOUN
cjrl-2282	182	55	is	be	AUX
cjrl-2282	182	56	now	now	ADV
cjrl-2282	182	57	the	the	DET
cjrl-2282	182	58	legal	legal	ADJ
cjrl-2282	182	59	equivalent	equivalent	NOUN
cjrl-2282	182	60	of	of	ADP
cjrl-2282	182	61	the	the	DET
cjrl-2282	182	62	original	original	ADJ
cjrl-2282	182	63	check	check	NOUN
cjrl-2282	182	64	as	as	ADV
cjrl-2282	182	65	long	long	ADV
cjrl-2282	182	66	as	as	SCONJ
cjrl-2282	182	67	it	it	PRON
cjrl-2282	182	68	accurately	accurately	ADV
cjrl-2282	182	69	depicts	depict	VERB
cjrl-2282	182	70	the	the	DET
cjrl-2282	182	71	front	front	NOUN
cjrl-2282	182	72	and	and	CCONJ
cjrl-2282	182	73	the	the	DET
cjrl-2282	182	74	back	back	NOUN
cjrl-2282	182	75	of	of	ADP
cjrl-2282	182	76	the	the	DET
cjrl-2282	182	77	check.36	check.36	NOUN
cjrl-2282	182	78	substitute	substitute	NOUN
cjrl-2282	182	79	checks	check	NOUN
cjrl-2282	182	80	remain	remain	VERB
cjrl-2282	182	81	subject	subject	ADJ
cjrl-2282	182	82	to	to	ADP
cjrl-2282	182	83	u.c.c	u.c.c	NOUN
cjrl-2282	182	84	.	.	PUNCT
cjrl-2282	183	1	articles	article	NOUN
cjrl-2282	183	2	1	1	NUM
cjrl-2282	183	3	,	,	PUNCT
cjrl-2282	183	4	3	3	NUM
cjrl-2282	183	5	,	,	PUNCT
cjrl-2282	183	6	and	and	CCONJ
cjrl-2282	183	7	4	4	NUM
cjrl-2282	183	8	,	,	PUNCT
cjrl-2282	183	9	and	and	CCONJ
cjrl-2282	183	10	other	other	ADJ
cjrl-2282	183	11	state	state	NOUN
cjrl-2282	183	12	law	law	NOUN
cjrl-2282	183	13	along	along	ADP
cjrl-2282	183	14	with	with	ADP
cjrl-2282	183	15	applicable	applicable	ADJ
cjrl-2282	183	16	federal	federal	ADJ
cjrl-2282	183	17	law.37	law.37	NOUN
cjrl-2282	183	18	there	there	PRON
cjrl-2282	183	19	is	be	VERB
cjrl-2282	183	20	a	a	DET
cjrl-2282	183	21	widely	widely	ADV
cjrl-2282	183	22	believed	believe	VERB
cjrl-2282	183	23	misconception	misconception	NOUN
cjrl-2282	183	24	that	that	PRON
cjrl-2282	183	25	check	check	VERB
cjrl-2282	183	26	21	21	NUM
cjrl-2282	183	27	actually	actually	ADV
cjrl-2282	183	28	requires	require	VERB
cjrl-2282	183	29	check	check	VERB
cjrl-2282	183	30	truncation	truncation	NOUN
cjrl-2282	183	31	and	and	CCONJ
cjrl-2282	183	32	the	the	DET
cjrl-2282	183	33	creation	creation	NOUN
cjrl-2282	183	34	of	of	ADP
cjrl-2282	183	35	a	a	DET
cjrl-2282	183	36	new	new	ADJ
cjrl-2282	183	37	substitute	substitute	NOUN
cjrl-2282	183	38	check	check	NOUN
cjrl-2282	183	39	.	.	PUNCT
cjrl-2282	184	1	it	it	PRON
cjrl-2282	184	2	does	do	VERB
cjrl-2282	184	3	not	not	PART
cjrl-2282	184	4	.	.	PUNCT
cjrl-2282	185	1	rather	rather	ADV
cjrl-2282	185	2	,	,	PUNCT
cjrl-2282	185	3	it	it	PRON
cjrl-2282	185	4	provides	provide	VERB
cjrl-2282	185	5	a	a	DET
cjrl-2282	185	6	structure	structure	NOUN
cjrl-2282	185	7	within	within	ADP
cjrl-2282	185	8	which	which	PRON
cjrl-2282	185	9	banks	bank	NOUN
cjrl-2282	185	10	have	have	VERB
cjrl-2282	185	11	the	the	DET
cjrl-2282	185	12	option	option	NOUN
cjrl-2282	185	13	of	of	ADP
cjrl-2282	185	14	making	make	VERB
cjrl-2282	185	15	speedier	speedy	ADJ
cjrl-2282	185	16	presentments	presentment	NOUN
cjrl-2282	185	17	by	by	ADP
cjrl-2282	185	18	removing	remove	VERB
cjrl-2282	185	19	legal	legal	ADJ
cjrl-2282	185	20	and	and	CCONJ
cjrl-2282	185	21	logistical	logistical	ADJ
cjrl-2282	185	22	impediments	impediment	NOUN
cjrl-2282	185	23	,	,	PUNCT
cjrl-2282	185	24	such	such	ADJ
cjrl-2282	185	25	as	as	ADP
cjrl-2282	185	26	30	30	NUM
cjrl-2282	185	27	i	i	PROPN
cjrl-2282	185	28	d.	d.	PROPN
cjrl-2282	185	29	;	;	PUNCT
cjrl-2282	185	30	see	see	VERB
cjrl-2282	185	31	also	also	ADV
cjrl-2282	185	32	warren	warren	PROPN
cjrl-2282	185	33	&	&	CCONJ
cjrl-2282	185	34	walt	walt	PROPN
cjrl-2282	185	35	,	,	PUNCT
cjrl-2282	185	36	supra	supra	PROPN
cjrl-2282	185	37	note	note	NOUN
cjrl-2282	185	38	22	22	NUM
cjrl-2282	185	39	,	,	PUNCT
cjrl-2282	185	40	at	at	ADP
cjrl-2282	185	41	168	168	NUM
cjrl-2282	185	42	.	.	PUNCT
cjrl-2282	185	43	31	31	NUM
cjrl-2282	186	1	even	even	ADV
cjrl-2282	186	2	though	though	SCONJ
cjrl-2282	186	3	this	this	DET
cjrl-2282	186	4	article	article	NOUN
cjrl-2282	186	5	criticizes	criticize	VERB
cjrl-2282	186	6	the	the	DET
cjrl-2282	186	7	reforms	reform	NOUN
cjrl-2282	186	8	for	for	ADP
cjrl-2282	186	9	certain	certain	ADJ
cjrl-2282	186	10	failures	failure	NOUN
cjrl-2282	186	11	,	,	PUNCT
cjrl-2282	186	12	it	it	PRON
cjrl-2282	186	13	agrees	agree	VERB
cjrl-2282	186	14	that	that	SCONJ
cjrl-2282	186	15	they	they	PRON
cjrl-2282	186	16	were	be	AUX
cjrl-2282	186	17	necessary	necessary	ADJ
cjrl-2282	186	18	and	and	CCONJ
cjrl-2282	186	19	overdue	overdue	ADJ
cjrl-2282	186	20	.	.	PUNCT
cjrl-2282	187	1	the	the	DET
cjrl-2282	187	2	article	article	NOUN
cjrl-2282	187	3	is	be	AUX
cjrl-2282	187	4	neither	neither	CCONJ
cjrl-2282	187	5	opposed	oppose	VERB
cjrl-2282	187	6	to	to	ADP
cjrl-2282	187	7	the	the	DET
cjrl-2282	187	8	movement	movement	NOUN
cjrl-2282	187	9	to	to	PART
cjrl-2282	187	10	reform	reform	VERB
cjrl-2282	187	11	the	the	DET
cjrl-2282	187	12	check	check	NOUN
cjrl-2282	187	13	collection	collection	NOUN
cjrl-2282	187	14	timing	timing	NOUN
cjrl-2282	187	15	rules	rule	NOUN
cjrl-2282	187	16	nor	nor	CCONJ
cjrl-2282	187	17	to	to	ADP
cjrl-2282	187	18	the	the	DET
cjrl-2282	187	19	changes	change	NOUN
cjrl-2282	187	20	that	that	PRON
cjrl-2282	187	21	they	they	PRON
cjrl-2282	187	22	were	be	AUX
cjrl-2282	187	23	intended	intend	VERB
cjrl-2282	187	24	to	to	PART
cjrl-2282	187	25	usher	usher	VERB
cjrl-2282	187	26	into	into	ADP
cjrl-2282	187	27	place	place	NOUN
cjrl-2282	187	28	.	.	PUNCT
cjrl-2282	188	1	they	they	PRON
cjrl-2282	188	2	were	be	AUX
cjrl-2282	188	3	overdue	overdue	ADJ
cjrl-2282	188	4	given	give	VERB
cjrl-2282	188	5	the	the	DET
cjrl-2282	188	6	availability	availability	NOUN
cjrl-2282	188	7	of	of	ADP
cjrl-2282	188	8	technology	technology	NOUN
cjrl-2282	188	9	capable	capable	ADJ
cjrl-2282	188	10	of	of	ADP
cjrl-2282	188	11	speeding	speed	VERB
cjrl-2282	188	12	up	up	ADP
cjrl-2282	188	13	the	the	DET
cjrl-2282	188	14	process	process	NOUN
cjrl-2282	188	15	.	.	PUNCT
cjrl-2282	189	1	they	they	PRON
cjrl-2282	189	2	were	be	AUX
cjrl-2282	189	3	necessary	necessary	ADJ
cjrl-2282	189	4	because	because	SCONJ
cjrl-2282	189	5	banks	bank	NOUN
cjrl-2282	189	6	had	have	VERB
cjrl-2282	189	7	little	little	ADJ
cjrl-2282	189	8	or	or	CCONJ
cjrl-2282	189	9	no	no	PRON
cjrl-2282	189	10	incentive	incentive	NOUN
cjrl-2282	189	11	to	to	PART
cjrl-2282	189	12	change	change	VERB
cjrl-2282	189	13	the	the	DET
cjrl-2282	189	14	pace	pace	NOUN
cjrl-2282	189	15	of	of	ADP
cjrl-2282	189	16	collections	collection	NOUN
cjrl-2282	189	17	under	under	ADP
cjrl-2282	189	18	the	the	DET
cjrl-2282	189	19	u.c.c	u.c.c	NOUN
cjrl-2282	189	20	.	.	PUNCT
cjrl-2282	190	1	midnight	midnight	NOUN
cjrl-2282	190	2	deadline	deadline	NOUN
cjrl-2282	190	3	rules	rule	NOUN
cjrl-2282	190	4	.	.	PUNCT
cjrl-2282	191	1	there	there	PRON
cjrl-2282	191	2	are	be	VERB
cjrl-2282	191	3	,	,	PUNCT
cjrl-2282	191	4	however	however	ADV
cjrl-2282	191	5	,	,	PUNCT
cjrl-2282	191	6	very	very	ADV
cjrl-2282	191	7	serious	serious	ADJ
cjrl-2282	191	8	,	,	PUNCT
cjrl-2282	191	9	presumably	presumably	ADV
cjrl-2282	191	10	unintended	unintended	ADJ
cjrl-2282	191	11	,	,	PUNCT
cjrl-2282	191	12	consequences	consequence	NOUN
cjrl-2282	191	13	that	that	PRON
cjrl-2282	191	14	can	can	AUX
cjrl-2282	191	15	be	be	AUX
cjrl-2282	191	16	traced	trace	VERB
cjrl-2282	191	17	to	to	ADP
cjrl-2282	191	18	the	the	DET
cjrl-2282	191	19	new	new	ADJ
cjrl-2282	191	20	rules	rule	NOUN
cjrl-2282	191	21	.	.	PUNCT
cjrl-2282	192	1	32	32	NUM
cjrl-2282	192	2	u.c.c	u.c.c	NOUN
cjrl-2282	192	3	.	.	PUNCT
cjrl-2282	193	1	§	§	PROPN
cjrl-2282	193	2	3	3	NUM
cjrl-2282	193	3	-	-	SYM
cjrl-2282	193	4	201	201	NUM
cjrl-2282	193	5	(	(	PUNCT
cjrl-2282	193	6	amended	amend	VERB
cjrl-2282	193	7	2002	2002	NUM
cjrl-2282	193	8	)	)	PUNCT
cjrl-2282	193	9	.	.	PUNCT
cjrl-2282	194	1	33	33	NUM
cjrl-2282	194	2	andrea	andrea	PROPN
cjrl-2282	194	3	mcglinn	mcglinn	PROPN
cjrl-2282	194	4	,	,	PUNCT
cjrl-2282	194	5	book	book	NOUN
cjrl-2282	194	6	note	note	NOUN
cjrl-2282	194	7	,	,	PUNCT
cjrl-2282	194	8	check	check	VERB
cjrl-2282	194	9	clearing	clearing	NOUN
cjrl-2282	194	10	for	for	ADP
cjrl-2282	194	11	the	the	DET
cjrl-2282	194	12	21st	21st	ADJ
cjrl-2282	194	13	century	century	NOUN
cjrl-2282	194	14	act	act	NOUN
cjrl-2282	194	15	:	:	PUNCT
cjrl-2282	194	16	the	the	DET
cjrl-2282	194	17	impact	impact	NOUN
cjrl-2282	194	18	on	on	ADP
cjrl-2282	194	19	consumers	consumer	NOUN
cjrl-2282	194	20	,	,	PUNCT
cjrl-2282	194	21	9	9	NUM
cjrl-2282	194	22	n.c	n.c	PROPN
cjrl-2282	194	23	.	.	PROPN
cjrl-2282	194	24	banking	banking	NOUN
cjrl-2282	194	25	inst	inst	PROPN
cjrl-2282	194	26	.	.	PROPN
cjrl-2282	194	27	179	179	NUM
cjrl-2282	194	28	,	,	PUNCT
cjrl-2282	194	29	180	180	NUM
cjrl-2282	194	30	(	(	PUNCT
cjrl-2282	194	31	2005	2005	NUM
cjrl-2282	194	32	)	)	PUNCT
cjrl-2282	194	33	.	.	PUNCT
cjrl-2282	195	1	34	34	NUM
cjrl-2282	195	2	check	check	VERB
cjrl-2282	195	3	21	21	NUM
cjrl-2282	195	4	implementation	implementation	NOUN
cjrl-2282	195	5	video	video	NOUN
cjrl-2282	195	6	,	,	PUNCT
cjrl-2282	195	7	electronic	electronic	ADJ
cjrl-2282	195	8	check	check	NOUN
cjrl-2282	195	9	clearing	clearing	NOUN
cjrl-2282	195	10	house	house	PROPN
cjrl-2282	195	11	organization	organization	NOUN
cjrl-2282	195	12	,	,	PUNCT
cjrl-2282	195	13	http://www.eccho.org/history_video	http://www.eccho.org/history_video	PROPN
cjrl-2282	195	14	(	(	PUNCT
cjrl-2282	195	15	last	last	ADV
cjrl-2282	195	16	visited	visit	VERB
cjrl-2282	195	17	dec	dec	PROPN
cjrl-2282	195	18	.	.	PROPN
cjrl-2282	195	19	2	2	NUM
cjrl-2282	195	20	,	,	PUNCT
cjrl-2282	195	21	2012	2012	NUM
cjrl-2282	195	22	)	)	PUNCT
cjrl-2282	195	23	.	.	PUNCT
cjrl-2282	196	1	35	35	NUM
cjrl-2282	196	2	carl	carl	PROPN
cjrl-2282	196	3	felsenfeld	felsenfeld	PROPN
cjrl-2282	196	4	&	&	CCONJ
cjrl-2282	196	5	genci	genci	PROPN
cjrl-2282	196	6	bilali	bilali	PROPN
cjrl-2282	196	7	,	,	PUNCT
cjrl-2282	196	8	the	the	DET
cjrl-2282	196	9	check	check	NOUN
cjrl-2282	196	10	clearing	clear	VERB
cjrl-2282	196	11	for	for	ADP
cjrl-2282	196	12	the	the	DET
cjrl-2282	196	13	21st	21st	ADJ
cjrl-2282	196	14	century	century	NOUN
cjrl-2282	196	15	act	act	NOUN
cjrl-2282	196	16	—	—	PUNCT
cjrl-2282	196	17	a	a	DET
cjrl-2282	196	18	wrong	wrong	ADJ
cjrl-2282	196	19	turn	turn	NOUN
cjrl-2282	196	20	in	in	ADP
cjrl-2282	196	21	the	the	DET
cjrl-2282	196	22	road	road	NOUN
cjrl-2282	196	23	to	to	ADP
cjrl-2282	196	24	improvement	improvement	NOUN
cjrl-2282	196	25	of	of	ADP
cjrl-2282	196	26	the	the	DET
cjrl-2282	196	27	u.s	u.s	PROPN
cjrl-2282	196	28	.	.	PROPN
cjrl-2282	196	29	payments	payment	NOUN
cjrl-2282	196	30	system	system	NOUN
cjrl-2282	196	31	,	,	PUNCT
cjrl-2282	196	32	85	85	NUM
cjrl-2282	196	33	neb	neb	NOUN
cjrl-2282	196	34	.	.	PROPN
cjrl-2282	196	35	l.	l.	PROPN
cjrl-2282	196	36	rev	rev	PROPN
cjrl-2282	196	37	.	.	PROPN
cjrl-2282	196	38	52	52	NUM
cjrl-2282	196	39	,	,	PUNCT
cjrl-2282	196	40	84	84	NUM
cjrl-2282	196	41	(	(	PUNCT
cjrl-2282	196	42	2006	2006	NUM
cjrl-2282	196	43	)	)	PUNCT
cjrl-2282	196	44	.	.	PUNCT
cjrl-2282	197	1	36	36	NUM
cjrl-2282	197	2	see	see	VERB
cjrl-2282	197	3	mcglinn	mcglinn	NOUN
cjrl-2282	197	4	,	,	PUNCT
cjrl-2282	197	5	supra	supra	PROPN
cjrl-2282	197	6	note	note	PROPN
cjrl-2282	197	7	33	33	NUM
cjrl-2282	197	8	,	,	PUNCT
cjrl-2282	197	9	at	at	ADP
cjrl-2282	197	10	181	181	NUM
cjrl-2282	197	11	.	.	PUNCT
cjrl-2282	198	1	37	37	NUM
cjrl-2282	199	1	i	i	PROPN
cjrl-2282	199	2	d.	d.	PROPN
cjrl-2282	199	3	2013	2013	PROPN
cjrl-2282	199	4	columbia	columbia	PROPN
cjrl-2282	199	5	journal	journal	PROPN
cjrl-2282	199	6	of	of	ADP
cjrl-2282	199	7	race	race	NOUN
cjrl-2282	199	8	and	and	CCONJ
cjrl-2282	199	9	law	law	NOUN
cjrl-2282	199	10	81	81	NUM
cjrl-2282	199	11	privity	privity	NOUN
cjrl-2282	199	12	of	of	ADP
cjrl-2282	199	13	contract	contract	NOUN
cjrl-2282	199	14	among	among	ADP
cjrl-2282	199	15	collecting	collect	VERB
cjrl-2282	199	16	banks	bank	NOUN
cjrl-2282	199	17	and/or	and/or	CCONJ
cjrl-2282	199	18	transporting	transport	VERB
cjrl-2282	199	19	the	the	DET
cjrl-2282	199	20	original	original	ADJ
cjrl-2282	199	21	check	check	NOUN
cjrl-2282	199	22	across	across	ADP
cjrl-2282	199	23	long	long	ADJ
cjrl-2282	199	24	distances	distance	NOUN
cjrl-2282	199	25	for	for	ADP
cjrl-2282	199	26	collection	collection	NOUN
cjrl-2282	199	27	.	.	PUNCT
cjrl-2282	200	1	it	it	PRON
cjrl-2282	200	2	simply	simply	ADV
cjrl-2282	200	3	places	place	VERB
cjrl-2282	200	4	another	another	DET
cjrl-2282	200	5	arrow	arrow	NOUN
cjrl-2282	200	6	in	in	ADP
cjrl-2282	200	7	the	the	DET
cjrl-2282	200	8	quiver	quiver	NOUN
cjrl-2282	200	9	of	of	ADP
cjrl-2282	200	10	banks	bank	NOUN
cjrl-2282	200	11	as	as	SCONJ
cjrl-2282	200	12	they	they	PRON
cjrl-2282	200	13	navigate	navigate	VERB
cjrl-2282	200	14	the	the	DET
cjrl-2282	200	15	choppy	choppy	ADJ
cjrl-2282	200	16	waters	water	NOUN
cjrl-2282	200	17	between	between	ADP
cjrl-2282	200	18	state	state	NOUN
cjrl-2282	200	19	and	and	CCONJ
cjrl-2282	200	20	federal	federal	ADJ
cjrl-2282	200	21	check	check	NOUN
cjrl-2282	200	22	collection	collection	NOUN
cjrl-2282	200	23	timing	timing	NOUN
cjrl-2282	200	24	rules	rule	NOUN
cjrl-2282	200	25	.	.	PUNCT
cjrl-2282	201	1	check	check	VERB
cjrl-2282	201	2	21	21	NUM
cjrl-2282	201	3	gives	give	VERB
cjrl-2282	201	4	collecting	collect	VERB
cjrl-2282	201	5	banks	bank	NOUN
cjrl-2282	201	6	the	the	DET
cjrl-2282	201	7	opportunity	opportunity	NOUN
cjrl-2282	201	8	to	to	PART
cjrl-2282	201	9	decide	decide	VERB
cjrl-2282	201	10	whether	whether	SCONJ
cjrl-2282	201	11	to	to	PART
cjrl-2282	201	12	take	take	VERB
cjrl-2282	201	13	advantage	advantage	NOUN
cjrl-2282	201	14	of	of	ADP
cjrl-2282	201	15	the	the	DET
cjrl-2282	201	16	federal	federal	ADJ
cjrl-2282	201	17	regulations	regulation	NOUN
cjrl-2282	201	18	or	or	CCONJ
cjrl-2282	201	19	not	not	PART
cjrl-2282	201	20	,	,	PUNCT
cjrl-2282	201	21	depending	depend	VERB
cjrl-2282	201	22	upon	upon	SCONJ
cjrl-2282	201	23	their	their	PRON
cjrl-2282	201	24	respective	respective	ADJ
cjrl-2282	201	25	analyses	analysis	NOUN
cjrl-2282	201	26	of	of	ADP
cjrl-2282	201	27	the	the	DET
cjrl-2282	201	28	associated	associated	ADJ
cjrl-2282	201	29	costs	cost	NOUN
cjrl-2282	201	30	and	and	CCONJ
cjrl-2282	201	31	benefits.38	benefits.38	NOUN
cjrl-2282	201	32	one	one	NUM
cjrl-2282	201	33	option	option	NOUN
cjrl-2282	201	34	still	still	ADV
cjrl-2282	201	35	available	available	ADJ
cjrl-2282	201	36	is	be	AUX
cjrl-2282	201	37	for	for	SCONJ
cjrl-2282	201	38	banks	bank	NOUN
cjrl-2282	201	39	to	to	PART
cjrl-2282	201	40	keep	keep	VERB
cjrl-2282	201	41	processing	process	VERB
cjrl-2282	201	42	checks	check	NOUN
cjrl-2282	201	43	by	by	ADP
cjrl-2282	201	44	negotiating	negotiate	VERB
cjrl-2282	201	45	them	they	PRON
cjrl-2282	201	46	through	through	ADP
cjrl-2282	201	47	the	the	DET
cjrl-2282	201	48	slow	slow	ADJ
cjrl-2282	201	49	interbank	interbank	NOUN
cjrl-2282	201	50	collection	collection	NOUN
cjrl-2282	201	51	system	system	NOUN
cjrl-2282	201	52	if	if	SCONJ
cjrl-2282	201	53	they	they	PRON
cjrl-2282	201	54	wish	wish	VERB
cjrl-2282	201	55	.	.	PUNCT
cjrl-2282	202	1	what	what	PRON
cjrl-2282	202	2	depositary	depositary	ADJ
cjrl-2282	202	3	banks	bank	NOUN
cjrl-2282	202	4	must	must	AUX
cjrl-2282	202	5	do	do	AUX
cjrl-2282	202	6	,	,	PUNCT
cjrl-2282	202	7	however	however	ADV
cjrl-2282	202	8	,	,	PUNCT
cjrl-2282	202	9	is	be	AUX
cjrl-2282	202	10	make	make	VERB
cjrl-2282	202	11	funds	fund	NOUN
cjrl-2282	202	12	available	available	ADJ
cjrl-2282	202	13	to	to	ADP
cjrl-2282	202	14	its	its	PRON
cjrl-2282	202	15	customers	customer	NOUN
cjrl-2282	202	16	whether	whether	SCONJ
cjrl-2282	202	17	or	or	CCONJ
cjrl-2282	202	18	not	not	PART
cjrl-2282	202	19	the	the	DET
cjrl-2282	202	20	paying	pay	VERB
cjrl-2282	202	21	bank	bank	NOUN
cjrl-2282	202	22	’s	’s	PART
cjrl-2282	202	23	midnight	midnight	NOUN
cjrl-2282	202	24	deadline	deadline	NOUN
cjrl-2282	202	25	has	have	AUX
cjrl-2282	202	26	expired	expire	VERB
cjrl-2282	202	27	.	.	PUNCT
cjrl-2282	203	1	when	when	SCONJ
cjrl-2282	203	2	a	a	DET
cjrl-2282	203	3	substitute	substitute	NOUN
cjrl-2282	203	4	check	check	NOUN
cjrl-2282	203	5	is	be	AUX
cjrl-2282	203	6	created	create	VERB
cjrl-2282	203	7	it	it	PRON
cjrl-2282	203	8	is	be	AUX
cjrl-2282	203	9	still	still	ADV
cjrl-2282	203	10	in	in	ADP
cjrl-2282	203	11	paper	paper	NOUN
cjrl-2282	203	12	form	form	NOUN
cjrl-2282	203	13	and	and	CCONJ
cjrl-2282	203	14	is	be	AUX
cjrl-2282	203	15	still	still	ADV
cjrl-2282	203	16	an	an	DET
cjrl-2282	203	17	article	article	NOUN
cjrl-2282	203	18	3	3	NUM
cjrl-2282	203	19	negotiable	negotiable	ADJ
cjrl-2282	203	20	instrument	instrument	NOUN
cjrl-2282	203	21	.	.	PUNCT
cjrl-2282	204	1	check	check	VERB
cjrl-2282	204	2	21	21	NUM
cjrl-2282	204	3	does	do	AUX
cjrl-2282	204	4	not	not	PART
cjrl-2282	204	5	require	require	VERB
cjrl-2282	204	6	banks	bank	NOUN
cjrl-2282	204	7	to	to	PART
cjrl-2282	204	8	deal	deal	VERB
cjrl-2282	204	9	with	with	ADP
cjrl-2282	204	10	each	each	DET
cjrl-2282	204	11	other	other	ADJ
cjrl-2282	204	12	directly	directly	ADV
cjrl-2282	204	13	nor	nor	CCONJ
cjrl-2282	204	14	to	to	PART
cjrl-2282	204	15	create	create	VERB
cjrl-2282	204	16	substitute	substitute	NOUN
cjrl-2282	204	17	checks	check	NOUN
cjrl-2282	204	18	.	.	PUNCT
cjrl-2282	205	1	banks	bank	NOUN
cjrl-2282	205	2	can	can	AUX
cjrl-2282	205	3	continue	continue	VERB
cjrl-2282	205	4	to	to	PART
cjrl-2282	205	5	just	just	ADV
cjrl-2282	205	6	operate	operate	VERB
cjrl-2282	205	7	as	as	SCONJ
cjrl-2282	205	8	they	they	PRON
cjrl-2282	205	9	did	do	VERB
cjrl-2282	205	10	under	under	ADP
cjrl-2282	205	11	regulation	regulation	NOUN
cjrl-2282	205	12	cc	cc	NOUN
cjrl-2282	205	13	and	and	CCONJ
cjrl-2282	205	14	article	article	NOUN
cjrl-2282	205	15	4	4	NUM
cjrl-2282	205	16	using	use	VERB
cjrl-2282	205	17	the	the	DET
cjrl-2282	205	18	movement	movement	NOUN
cjrl-2282	205	19	of	of	ADP
cjrl-2282	205	20	the	the	DET
cjrl-2282	205	21	original	original	ADJ
cjrl-2282	205	22	paper	paper	NOUN
cjrl-2282	205	23	check	check	NOUN
cjrl-2282	205	24	through	through	ADP
cjrl-2282	205	25	the	the	DET
cjrl-2282	205	26	process	process	NOUN
cjrl-2282	205	27	that	that	PRON
cjrl-2282	205	28	they	they	PRON
cjrl-2282	205	29	want	want	VERB
cjrl-2282	205	30	or	or	CCONJ
cjrl-2282	205	31	they	they	PRON
cjrl-2282	205	32	can	can	AUX
cjrl-2282	205	33	use	use	VERB
cjrl-2282	205	34	the	the	DET
cjrl-2282	205	35	check	check	NOUN
cjrl-2282	205	36	substitution	substitution	NOUN
cjrl-2282	205	37	.	.	PUNCT
cjrl-2282	206	1	c.	c.	NOUN
cjrl-2282	207	1	the	the	DET
cjrl-2282	207	2	regulation	regulation	NOUN
cjrl-2282	207	3	cc	cc	NOUN
cjrl-2282	207	4	/	/	SYM
cjrl-2282	207	5	check	check	NOUN
cjrl-2282	207	6	21	21	NUM
cjrl-2282	207	7	interface	interface	NOUN
cjrl-2282	207	8	the	the	DET
cjrl-2282	207	9	purpose	purpose	NOUN
cjrl-2282	207	10	of	of	ADP
cjrl-2282	207	11	the	the	DET
cjrl-2282	207	12	new	new	ADJ
cjrl-2282	207	13	regulations	regulation	NOUN
cjrl-2282	207	14	was	be	AUX
cjrl-2282	207	15	to	to	PART
cjrl-2282	207	16	meet	meet	VERB
cjrl-2282	207	17	the	the	DET
cjrl-2282	207	18	congressional	congressional	ADJ
cjrl-2282	207	19	objective	objective	NOUN
cjrl-2282	207	20	of	of	ADP
cjrl-2282	207	21	adding	add	VERB
cjrl-2282	207	22	improvements	improvement	NOUN
cjrl-2282	207	23	to	to	ADP
cjrl-2282	207	24	the	the	DET
cjrl-2282	207	25	check	check	NOUN
cjrl-2282	207	26	collection	collection	NOUN
cjrl-2282	207	27	system	system	NOUN
cjrl-2282	207	28	by	by	ADP
cjrl-2282	207	29	expediting	expedite	VERB
cjrl-2282	207	30	the	the	DET
cjrl-2282	207	31	availability	availability	NOUN
cjrl-2282	207	32	of	of	ADP
cjrl-2282	207	33	funds	fund	NOUN
cjrl-2282	207	34	for	for	ADP
cjrl-2282	207	35	checking	check	VERB
cjrl-2282	207	36	account	account	NOUN
cjrl-2282	207	37	customers	customer	NOUN
cjrl-2282	207	38	and	and	CCONJ
cjrl-2282	207	39	to	to	PART
cjrl-2282	207	40	ease	ease	VERB
cjrl-2282	207	41	the	the	DET
cjrl-2282	207	42	way	way	NOUN
cjrl-2282	207	43	for	for	SCONJ
cjrl-2282	207	44	banks	bank	NOUN
cjrl-2282	207	45	to	to	PART
cjrl-2282	207	46	use	use	VERB
cjrl-2282	207	47	diligence	diligence	NOUN
cjrl-2282	207	48	to	to	PART
cjrl-2282	207	49	remove	remove	VERB
cjrl-2282	207	50	impediments	impediment	NOUN
cjrl-2282	207	51	to	to	ADP
cjrl-2282	207	52	their	their	PRON
cjrl-2282	207	53	ability	ability	NOUN
cjrl-2282	207	54	to	to	PART
cjrl-2282	207	55	process	process	VERB
cjrl-2282	207	56	and	and	CCONJ
cjrl-2282	207	57	to	to	PART
cjrl-2282	207	58	pay	pay	VERB
cjrl-2282	207	59	remote	remote	ADJ
cjrl-2282	207	60	collection	collection	NOUN
cjrl-2282	207	61	items.39	items.39	NOUN
cjrl-2282	207	62	by	by	ADP
cjrl-2282	207	63	making	make	VERB
cjrl-2282	207	64	the	the	DET
cjrl-2282	207	65	depositary	depositary	ADJ
cjrl-2282	207	66	bank	bank	NOUN
cjrl-2282	207	67	responsible	responsible	ADJ
cjrl-2282	207	68	,	,	PUNCT
cjrl-2282	207	69	instead	instead	ADV
cjrl-2282	207	70	of	of	ADP
cjrl-2282	207	71	the	the	DET
cjrl-2282	207	72	paying	pay	VERB
cjrl-2282	207	73	bank	bank	NOUN
cjrl-2282	207	74	,	,	PUNCT
cjrl-2282	207	75	the	the	DET
cjrl-2282	207	76	efaa	efaa	NOUN
cjrl-2282	207	77	places	place	VERB
cjrl-2282	207	78	the	the	DET
cjrl-2282	207	79	emphasis	emphasis	NOUN
cjrl-2282	207	80	on	on	ADP
cjrl-2282	207	81	the	the	DET
cjrl-2282	207	82	bank	bank	NOUN
cjrl-2282	207	83	that	that	PRON
cjrl-2282	207	84	actually	actually	ADV
cjrl-2282	207	85	controls	control	VERB
cjrl-2282	207	86	whether	whether	SCONJ
cjrl-2282	207	87	or	or	CCONJ
cjrl-2282	207	88	not	not	PART
cjrl-2282	207	89	the	the	DET
cjrl-2282	207	90	funds	fund	NOUN
cjrl-2282	207	91	are	be	AUX
cjrl-2282	207	92	actually	actually	ADV
cjrl-2282	207	93	made	make	VERB
cjrl-2282	207	94	“	"	PUNCT
cjrl-2282	207	95	available	available	ADJ
cjrl-2282	207	96	”	"	PUNCT
cjrl-2282	207	97	to	to	ADP
cjrl-2282	207	98	the	the	DET
cjrl-2282	207	99	depositor	depositor	NOUN
cjrl-2282	207	100	—	—	PUNCT
cjrl-2282	207	101	the	the	DET
cjrl-2282	207	102	depositary	depositary	ADJ
cjrl-2282	207	103	bank	bank	NOUN
cjrl-2282	207	104	.	.	PUNCT
cjrl-2282	208	1	this	this	DET
cjrl-2282	208	2	highlights	highlight	VERB
cjrl-2282	208	3	the	the	DET
cjrl-2282	208	4	greatest	great	ADJ
cjrl-2282	208	5	difference	difference	NOUN
cjrl-2282	208	6	in	in	ADP
cjrl-2282	208	7	emphasis	emphasis	NOUN
cjrl-2282	208	8	between	between	ADP
cjrl-2282	208	9	the	the	DET
cjrl-2282	208	10	efaa	efaa	NOUN
cjrl-2282	208	11	and	and	CCONJ
cjrl-2282	208	12	the	the	DET
cjrl-2282	208	13	u.c.c	u.c.c	NOUN
cjrl-2282	208	14	.	.	PROPN
cjrl-2282	208	15	,	,	PUNCT
cjrl-2282	208	16	which	which	PRON
cjrl-2282	208	17	otherwise	otherwise	ADV
cjrl-2282	208	18	overlap	overlap	VERB
cjrl-2282	208	19	in	in	ADP
cjrl-2282	208	20	various	various	ADJ
cjrl-2282	208	21	respects	respect	NOUN
cjrl-2282	208	22	:	:	PUNCT
cjrl-2282	208	23	the	the	DET
cjrl-2282	208	24	efaa	efaa	NOUN
cjrl-2282	208	25	limits	limit	VERB
cjrl-2282	208	26	the	the	DET
cjrl-2282	208	27	time	time	NOUN
cjrl-2282	208	28	that	that	PRON
cjrl-2282	208	29	the	the	DET
cjrl-2282	208	30	depositary	depositary	ADJ
cjrl-2282	208	31	bank	bank	NOUN
cjrl-2282	208	32	has	have	VERB
cjrl-2282	208	33	to	to	PART
cjrl-2282	208	34	make	make	VERB
cjrl-2282	208	35	the	the	DET
cjrl-2282	208	36	decision	decision	NOUN
cjrl-2282	208	37	to	to	PART
cjrl-2282	208	38	allow	allow	VERB
cjrl-2282	208	39	withdrawal	withdrawal	NOUN
cjrl-2282	208	40	of	of	ADP
cjrl-2282	208	41	funds	fund	NOUN
cjrl-2282	208	42	by	by	ADP
cjrl-2282	208	43	the	the	DET
cjrl-2282	208	44	person	person	NOUN
cjrl-2282	208	45	entitled	entitle	VERB
cjrl-2282	208	46	to	to	PART
cjrl-2282	208	47	enforce	enforce	VERB
cjrl-2282	208	48	the	the	DET
cjrl-2282	208	49	instrument	instrument	NOUN
cjrl-2282	208	50	,	,	PUNCT
cjrl-2282	208	51	whereas	whereas	SCONJ
cjrl-2282	208	52	the	the	DET
cjrl-2282	208	53	u.c.c	u.c.c	NOUN
cjrl-2282	208	54	.	.	PUNCT
cjrl-2282	208	55	limits	limit	NOUN
cjrl-2282	208	56	the	the	DET
cjrl-2282	208	57	time	time	NOUN
cjrl-2282	208	58	the	the	DET
cjrl-2282	208	59	paying	pay	VERB
cjrl-2282	208	60	bank	bank	NOUN
cjrl-2282	208	61	has	have	VERB
cjrl-2282	208	62	to	to	PART
cjrl-2282	208	63	make	make	VERB
cjrl-2282	208	64	the	the	DET
cjrl-2282	208	65	payment	payment	NOUN
cjrl-2282	208	66	decision	decision	NOUN
cjrl-2282	208	67	based	base	VERB
cjrl-2282	208	68	on	on	ADP
cjrl-2282	208	69	whether	whether	SCONJ
cjrl-2282	208	70	the	the	DET
cjrl-2282	208	71	item	item	NOUN
cjrl-2282	208	72	is	be	AUX
cjrl-2282	208	73	properly	properly	ADV
cjrl-2282	208	74	payable	payable	ADJ
cjrl-2282	208	75	by	by	ADP
cjrl-2282	208	76	the	the	DET
cjrl-2282	208	77	person	person	NOUN
cjrl-2282	208	78	who	who	PRON
cjrl-2282	208	79	issued	issue	VERB
cjrl-2282	208	80	it	it	PRON
cjrl-2282	208	81	.	.	PUNCT
cjrl-2282	209	1	by	by	ADP
cjrl-2282	209	2	speeding	speed	VERB
cjrl-2282	209	3	up	up	ADP
cjrl-2282	209	4	the	the	DET
cjrl-2282	209	5	process	process	NOUN
cjrl-2282	209	6	,	,	PUNCT
cjrl-2282	209	7	however	however	ADV
cjrl-2282	209	8	,	,	PUNCT
cjrl-2282	209	9	the	the	DET
cjrl-2282	209	10	efaa	efaa	NOUN
cjrl-2282	209	11	exposes	expose	VERB
cjrl-2282	209	12	depositary	depositary	ADJ
cjrl-2282	209	13	banks	bank	NOUN
cjrl-2282	209	14	to	to	ADP
cjrl-2282	209	15	losses	loss	NOUN
cjrl-2282	209	16	they	they	PRON
cjrl-2282	209	17	did	do	AUX
cjrl-2282	209	18	not	not	PART
cjrl-2282	209	19	face	face	VERB
cjrl-2282	209	20	under	under	ADP
cjrl-2282	209	21	the	the	DET
cjrl-2282	209	22	traditional	traditional	ADJ
cjrl-2282	209	23	midnight	midnight	NOUN
cjrl-2282	209	24	deadline	deadline	NOUN
cjrl-2282	209	25	regime	regime	NOUN
cjrl-2282	209	26	.	.	PUNCT
cjrl-2282	210	1	specifically	specifically	ADV
cjrl-2282	210	2	,	,	PUNCT
cjrl-2282	210	3	banks	bank	NOUN
cjrl-2282	210	4	now	now	ADV
cjrl-2282	210	5	have	have	VERB
cjrl-2282	210	6	much	much	ADV
cjrl-2282	210	7	less	less	ADJ
cjrl-2282	210	8	time	time	NOUN
cjrl-2282	210	9	to	to	PART
cjrl-2282	210	10	make	make	VERB
cjrl-2282	210	11	an	an	DET
cjrl-2282	210	12	informed	informed	ADJ
cjrl-2282	210	13	decision	decision	NOUN
cjrl-2282	210	14	about	about	ADP
cjrl-2282	210	15	whether	whether	SCONJ
cjrl-2282	210	16	or	or	CCONJ
cjrl-2282	210	17	not	not	PART
cjrl-2282	210	18	to	to	PART
cjrl-2282	210	19	allow	allow	VERB
cjrl-2282	210	20	customers	customer	NOUN
cjrl-2282	210	21	to	to	PART
cjrl-2282	210	22	withdraw	withdraw	VERB
cjrl-2282	210	23	funds	fund	NOUN
cjrl-2282	210	24	from	from	ADP
cjrl-2282	210	25	check	check	NOUN
cjrl-2282	210	26	deposits	deposit	NOUN
cjrl-2282	210	27	.	.	PUNCT
cjrl-2282	211	1	that	that	DET
cjrl-2282	211	2	fact	fact	NOUN
cjrl-2282	211	3	increases	increase	VERB
cjrl-2282	211	4	the	the	DET
cjrl-2282	211	5	chances	chance	NOUN
cjrl-2282	211	6	that	that	PRON
cjrl-2282	211	7	funds	fund	NOUN
cjrl-2282	211	8	associated	associate	VERB
cjrl-2282	211	9	with	with	ADP
cjrl-2282	211	10	a	a	DET
cjrl-2282	211	11	check	check	NOUN
cjrl-2282	211	12	that	that	PRON
cjrl-2282	211	13	has	have	AUX
cjrl-2282	211	14	been	be	AUX
cjrl-2282	211	15	dishonored	dishonor	VERB
cjrl-2282	211	16	will	will	AUX
cjrl-2282	211	17	already	already	ADV
cjrl-2282	211	18	have	have	AUX
cjrl-2282	211	19	been	be	AUX
cjrl-2282	211	20	released	release	VERB
cjrl-2282	211	21	by	by	ADP
cjrl-2282	211	22	a	a	DET
cjrl-2282	211	23	depositary	depositary	ADJ
cjrl-2282	211	24	bank	bank	NOUN
cjrl-2282	211	25	before	before	SCONJ
cjrl-2282	211	26	it	it	PRON
cjrl-2282	211	27	receives	receive	VERB
cjrl-2282	211	28	notice	notice	NOUN
cjrl-2282	211	29	of	of	ADP
cjrl-2282	211	30	dishonor	dishonor	NOUN
cjrl-2282	211	31	from	from	ADP
cjrl-2282	211	32	the	the	DET
cjrl-2282	211	33	paying	pay	VERB
cjrl-2282	211	34	bank	bank	NOUN
cjrl-2282	211	35	.	.	PUNCT
cjrl-2282	212	1	there	there	PRON
cjrl-2282	212	2	were	be	VERB
cjrl-2282	212	3	good	good	ADJ
cjrl-2282	212	4	reasons	reason	NOUN
cjrl-2282	212	5	for	for	ADP
cjrl-2282	212	6	congress	congress	PROPN
cjrl-2282	212	7	to	to	ADP
cjrl-2282	212	8	reform	reform	NOUN
cjrl-2282	212	9	of	of	ADP
cjrl-2282	212	10	the	the	DET
cjrl-2282	212	11	check	check	NOUN
cjrl-2282	212	12	collection	collection	NOUN
cjrl-2282	212	13	system	system	NOUN
cjrl-2282	212	14	.	.	PUNCT
cjrl-2282	213	1	along	along	ADP
cjrl-2282	213	2	with	with	ADP
cjrl-2282	213	3	the	the	DET
cjrl-2282	213	4	entrance	entrance	NOUN
cjrl-2282	213	5	of	of	ADP
cjrl-2282	213	6	congressional	congressional	ADJ
cjrl-2282	213	7	intervention	intervention	NOUN
cjrl-2282	213	8	has	have	AUX
cjrl-2282	213	9	been	be	AUX
cjrl-2282	213	10	a	a	DET
cjrl-2282	213	11	steady	steady	ADJ
cjrl-2282	213	12	increase	increase	NOUN
cjrl-2282	213	13	of	of	ADP
cjrl-2282	213	14	the	the	DET
cjrl-2282	213	15	fed	fed	PROPN
cjrl-2282	213	16	’s	’s	PART
cjrl-2282	213	17	influence	influence	NOUN
cjrl-2282	213	18	in	in	ADP
cjrl-2282	213	19	the	the	DET
cjrl-2282	213	20	area	area	NOUN
cjrl-2282	213	21	of	of	ADP
cjrl-2282	213	22	commercial	commercial	ADJ
cjrl-2282	213	23	regulation	regulation	NOUN
cjrl-2282	213	24	.	.	PUNCT
cjrl-2282	214	1	the	the	DET
cjrl-2282	214	2	fed	fed	PROPN
cjrl-2282	214	3	,	,	PUNCT
cjrl-2282	214	4	in	in	ADP
cjrl-2282	214	5	fact	fact	NOUN
cjrl-2282	214	6	,	,	PUNCT
cjrl-2282	214	7	has	have	AUX
cjrl-2282	214	8	been	be	AUX
cjrl-2282	214	9	empowered	empower	VERB
cjrl-2282	214	10	by	by	ADP
cjrl-2282	214	11	congress	congress	PROPN
cjrl-2282	214	12	to	to	PART
cjrl-2282	214	13	draft	draft	VERB
cjrl-2282	214	14	the	the	DET
cjrl-2282	214	15	regulations	regulation	NOUN
cjrl-2282	214	16	to	to	PART
cjrl-2282	214	17	accompany	accompany	VERB
cjrl-2282	214	18	the	the	DET
cjrl-2282	214	19	new	new	ADJ
cjrl-2282	214	20	federal	federal	ADJ
cjrl-2282	214	21	statutes	statute	NOUN
cjrl-2282	214	22	governing	govern	VERB
cjrl-2282	214	23	check	check	NOUN
cjrl-2282	214	24	collections	collection	NOUN
cjrl-2282	214	25	,	,	PUNCT
cjrl-2282	214	26	beginning	begin	VERB
cjrl-2282	214	27	with	with	ADP
cjrl-2282	214	28	reg	reg	NOUN
cjrl-2282	214	29	.	.	PUNCT
cjrl-2282	215	1	cc	cc	NOUN
cjrl-2282	215	2	,	,	PUNCT
cjrl-2282	215	3	and	and	CCONJ
cjrl-2282	215	4	continuing	continue	VERB
cjrl-2282	215	5	with	with	ADP
cjrl-2282	215	6	check	check	NOUN
cjrl-2282	215	7	21	21	NUM
cjrl-2282	215	8	as	as	ADV
cjrl-2282	215	9	well	well	ADV
cjrl-2282	215	10	as	as	ADP
cjrl-2282	215	11	its	its	PRON
cjrl-2282	215	12	2010	2010	NUM
cjrl-2282	215	13	amendments.40	amendments.40	NOUN
cjrl-2282	215	14	one	one	NUM
cjrl-2282	215	15	of	of	ADP
cjrl-2282	215	16	the	the	DET
cjrl-2282	215	17	most	most	ADV
cjrl-2282	215	18	interesting	interesting	ADJ
cjrl-2282	215	19	aspects	aspect	NOUN
cjrl-2282	215	20	of	of	ADP
cjrl-2282	215	21	the	the	DET
cjrl-2282	215	22	federal	federal	ADJ
cjrl-2282	215	23	movement	movement	NOUN
cjrl-2282	215	24	to	to	PART
cjrl-2282	215	25	reform	reform	VERB
cjrl-2282	215	26	the	the	DET
cjrl-2282	215	27	check	check	NOUN
cjrl-2282	215	28	collection	collection	NOUN
cjrl-2282	215	29	system	system	NOUN
cjrl-2282	215	30	is	be	AUX
cjrl-2282	215	31	that	that	SCONJ
cjrl-2282	215	32	it	it	PRON
cjrl-2282	215	33	has	have	AUX
cjrl-2282	215	34	not	not	PART
cjrl-2282	215	35	abolished	abolish	VERB
cjrl-2282	215	36	the	the	DET
cjrl-2282	215	37	midnight	midnight	NOUN
cjrl-2282	215	38	deadline	deadline	NOUN
cjrl-2282	215	39	rules	rule	NOUN
cjrl-2282	215	40	of	of	ADP
cjrl-2282	215	41	articles	article	NOUN
cjrl-2282	215	42	3	3	NUM
cjrl-2282	215	43	and	and	CCONJ
cjrl-2282	215	44	4	4	NUM
cjrl-2282	215	45	of	of	ADP
cjrl-2282	215	46	the	the	DET
cjrl-2282	215	47	u.c.c	u.c.c	NOUN
cjrl-2282	215	48	.	.	PUNCT
cjrl-2282	216	1	rather	rather	ADV
cjrl-2282	216	2	,	,	PUNCT
cjrl-2282	216	3	the	the	DET
cjrl-2282	216	4	u.c.c	u.c.c	NOUN
cjrl-2282	216	5	.	.	PUNCT
cjrl-2282	217	1	(	(	PUNCT
cjrl-2282	217	2	which	which	PRON
cjrl-2282	217	3	has	have	AUX
cjrl-2282	217	4	also	also	ADV
cjrl-2282	217	5	been	be	AUX
cjrl-2282	217	6	revised	revise	VERB
cjrl-2282	217	7	extensively	extensively	ADV
cjrl-2282	217	8	and	and	CCONJ
cjrl-2282	217	9	often	often	ADV
cjrl-2282	217	10	)	)	PUNCT
cjrl-2282	217	11	has	have	AUX
cjrl-2282	217	12	been	be	AUX
cjrl-2282	217	13	allowed	allow	VERB
cjrl-2282	217	14	to	to	PART
cjrl-2282	217	15	co	co	VERB
cjrl-2282	217	16	-	-	VERB
cjrl-2282	217	17	exist	exist	VERB
cjrl-2282	217	18	with	with	ADP
cjrl-2282	217	19	new	new	ADJ
cjrl-2282	217	20	federal	federal	ADJ
cjrl-2282	217	21	regulations	regulation	NOUN
cjrl-2282	217	22	despite	despite	SCONJ
cjrl-2282	217	23	the	the	DET
cjrl-2282	217	24	fact	fact	NOUN
cjrl-2282	217	25	that	that	SCONJ
cjrl-2282	217	26	the	the	DET
cjrl-2282	217	27	u.c.c	u.c.c	NOUN
cjrl-2282	217	28	.	.	PUNCT
cjrl-2282	218	1	and	and	CCONJ
cjrl-2282	218	2	federal	federal	ADJ
cjrl-2282	218	3	reforms	reform	NOUN
cjrl-2282	218	4	contain	contain	VERB
cjrl-2282	218	5	dramatically	dramatically	ADV
cjrl-2282	218	6	different	different	ADJ
cjrl-2282	218	7	and	and	CCONJ
cjrl-2282	218	8	38	38	NUM
cjrl-2282	218	9	felsenfeld	felsenfeld	PROPN
cjrl-2282	218	10	&	&	CCONJ
cjrl-2282	218	11	bilali	bilali	PROPN
cjrl-2282	218	12	,	,	PUNCT
cjrl-2282	218	13	supra	supra	PROPN
cjrl-2282	218	14	note	note	PROPN
cjrl-2282	218	15	35	35	NUM
cjrl-2282	218	16	,	,	PUNCT
cjrl-2282	218	17	at	at	ADP
cjrl-2282	218	18	91–92	91–92	NUM
cjrl-2282	218	19	.	.	PUNCT
cjrl-2282	219	1	39	39	NUM
cjrl-2282	219	2	12	12	NUM
cjrl-2282	219	3	u.s.c	u.s.c	NOUN
cjrl-2282	219	4	.	.	PUNCT
cjrl-2282	220	1	§	§	PROPN
cjrl-2282	220	2	5001	5001	NUM
cjrl-2282	220	3	(	(	PUNCT
cjrl-2282	220	4	2006	2006	NUM
cjrl-2282	220	5	)	)	PUNCT
cjrl-2282	220	6	.	.	PUNCT
cjrl-2282	221	1	40	40	NUM
cjrl-2282	221	2	in	in	ADP
cjrl-2282	221	3	fact	fact	NOUN
cjrl-2282	221	4	,	,	PUNCT
cjrl-2282	221	5	the	the	DET
cjrl-2282	221	6	fed	fed	PROPN
cjrl-2282	221	7	actually	actually	ADV
cjrl-2282	221	8	took	take	VERB
cjrl-2282	221	9	the	the	DET
cjrl-2282	221	10	initiative	initiative	NOUN
cjrl-2282	221	11	to	to	PART
cjrl-2282	221	12	actually	actually	ADV
cjrl-2282	221	13	draft	draft	VERB
cjrl-2282	221	14	check	check	NOUN
cjrl-2282	221	15	21	21	NUM
cjrl-2282	221	16	and	and	CCONJ
cjrl-2282	221	17	sent	send	VERB
cjrl-2282	221	18	it	it	PRON
cjrl-2282	221	19	to	to	ADP
cjrl-2282	221	20	congress	congress	PROPN
cjrl-2282	221	21	,	,	PUNCT
cjrl-2282	221	22	which	which	PRON
cjrl-2282	221	23	apparently	apparently	ADV
cjrl-2282	221	24	rubber	rubber	NOUN
cjrl-2282	221	25	-	-	PUNCT
cjrl-2282	221	26	stamped	stamp	VERB
cjrl-2282	221	27	it	it	PRON
cjrl-2282	221	28	.	.	PUNCT
cjrl-2282	222	1	82	82	NUM
cjrl-2282	222	2	checking	check	VERB
cjrl-2282	222	3	out	out	ADP
cjrl-2282	222	4	the	the	DET
cjrl-2282	222	5	exception	exception	NOUN
cjrl-2282	222	6	to	to	ADP
cjrl-2282	222	7	3	3	NUM
cjrl-2282	222	8	-	-	SYM
cjrl-2282	222	9	104	104	NUM
cjrl-2282	222	10	vol	vol	NOUN
cjrl-2282	222	11	.	.	PUNCT
cjrl-2282	222	12	3:1	3:1	NUM
cjrl-2282	222	13	potentially	potentially	ADV
cjrl-2282	222	14	inconsistent	inconsistent	ADJ
cjrl-2282	222	15	timing	timing	NOUN
cjrl-2282	222	16	rules	rule	NOUN
cjrl-2282	222	17	.	.	PUNCT
cjrl-2282	223	1	of	of	ADP
cjrl-2282	223	2	course	course	NOUN
cjrl-2282	223	3	,	,	PUNCT
cjrl-2282	223	4	the	the	DET
cjrl-2282	223	5	federal	federal	ADJ
cjrl-2282	223	6	regulations	regulation	NOUN
cjrl-2282	223	7	trump	trump	VERB
cjrl-2282	223	8	state	state	NOUN
cjrl-2282	223	9	law	law	NOUN
cjrl-2282	223	10	and	and	CCONJ
cjrl-2282	223	11	must	must	AUX
cjrl-2282	223	12	be	be	AUX
cjrl-2282	223	13	followed	follow	VERB
cjrl-2282	223	14	by	by	ADP
cjrl-2282	223	15	banks	bank	NOUN
cjrl-2282	223	16	whether	whether	SCONJ
cjrl-2282	223	17	or	or	CCONJ
cjrl-2282	223	18	not	not	PART
cjrl-2282	223	19	they	they	PRON
cjrl-2282	223	20	continue	continue	VERB
cjrl-2282	223	21	to	to	PART
cjrl-2282	223	22	satisfy	satisfy	VERB
cjrl-2282	223	23	the	the	DET
cjrl-2282	223	24	u.c.c	u.c.c	NOUN
cjrl-2282	223	25	.	.	PUNCT
cjrl-2282	224	1	timing	time	VERB
cjrl-2282	224	2	rules.41	rules.41	NOUN
cjrl-2282	224	3	moreover	moreover	ADV
cjrl-2282	224	4	,	,	PUNCT
cjrl-2282	224	5	there	there	PRON
cjrl-2282	224	6	is	be	VERB
cjrl-2282	224	7	great	great	ADJ
cjrl-2282	224	8	possibility	possibility	NOUN
cjrl-2282	224	9	for	for	ADP
cjrl-2282	224	10	additional	additional	ADJ
cjrl-2282	224	11	reform	reform	NOUN
cjrl-2282	224	12	as	as	ADP
cjrl-2282	224	13	technology	technology	NOUN
cjrl-2282	224	14	improves	improve	VERB
cjrl-2282	224	15	because	because	SCONJ
cjrl-2282	224	16	it	it	PRON
cjrl-2282	224	17	will	will	AUX
cjrl-2282	224	18	become	become	VERB
cjrl-2282	224	19	more	more	ADV
cjrl-2282	224	20	feasible	feasible	ADJ
cjrl-2282	224	21	to	to	PART
cjrl-2282	224	22	virtually	virtually	ADV
cjrl-2282	224	23	make	make	VERB
cjrl-2282	224	24	checks	check	NOUN
cjrl-2282	224	25	payable	payable	ADJ
cjrl-2282	224	26	“	"	PUNCT
cjrl-2282	224	27	on	on	ADP
cjrl-2282	224	28	demand	demand	NOUN
cjrl-2282	224	29	”	"	PUNCT
cjrl-2282	224	30	as	as	SCONJ
cjrl-2282	224	31	still	still	ADV
cjrl-2282	224	32	required	require	VERB
cjrl-2282	224	33	by	by	ADP
cjrl-2282	224	34	both	both	DET
cjrl-2282	224	35	state	state	NOUN
cjrl-2282	224	36	and	and	CCONJ
cjrl-2282	224	37	federal	federal	ADJ
cjrl-2282	224	38	definitions	definition	NOUN
cjrl-2282	224	39	.	.	PUNCT
cjrl-2282	225	1	the	the	DET
cjrl-2282	225	2	reforms	reform	NOUN
cjrl-2282	225	3	that	that	PRON
cjrl-2282	225	4	sped	speed	VERB
cjrl-2282	225	5	up	up	ADP
cjrl-2282	225	6	the	the	DET
cjrl-2282	225	7	availability	availability	NOUN
cjrl-2282	225	8	of	of	ADP
cjrl-2282	225	9	funds	fund	NOUN
cjrl-2282	225	10	following	follow	VERB
cjrl-2282	225	11	a	a	DET
cjrl-2282	225	12	deposit	deposit	NOUN
cjrl-2282	225	13	of	of	ADP
cjrl-2282	225	14	a	a	DET
cjrl-2282	225	15	check	check	NOUN
cjrl-2282	225	16	are	be	AUX
cjrl-2282	225	17	best	well	ADV
cjrl-2282	225	18	understood	understand	VERB
cjrl-2282	225	19	in	in	ADP
cjrl-2282	225	20	context	context	NOUN
cjrl-2282	225	21	,	,	PUNCT
cjrl-2282	225	22	that	that	PRON
cjrl-2282	225	23	of	of	ADP
cjrl-2282	225	24	a	a	DET
cjrl-2282	225	25	buyer	buyer	NOUN
cjrl-2282	225	26	/	/	SYM
cjrl-2282	225	27	consumer	consumer	NOUN
cjrl-2282	225	28	who	who	PRON
cjrl-2282	225	29	uses	use	VERB
cjrl-2282	225	30	a	a	DET
cjrl-2282	225	31	check	check	NOUN
cjrl-2282	225	32	to	to	PART
cjrl-2282	225	33	pay	pay	VERB
cjrl-2282	225	34	for	for	ADP
cjrl-2282	225	35	a	a	DET
cjrl-2282	225	36	purchase	purchase	NOUN
cjrl-2282	225	37	of	of	ADP
cjrl-2282	225	38	valuable	valuable	ADJ
cjrl-2282	225	39	goods	good	NOUN
cjrl-2282	225	40	or	or	CCONJ
cjrl-2282	225	41	services	service	NOUN
cjrl-2282	225	42	from	from	ADP
cjrl-2282	225	43	a	a	DET
cjrl-2282	225	44	seller	seller	NOUN
cjrl-2282	225	45	who	who	PRON
cjrl-2282	225	46	is	be	AUX
cjrl-2282	225	47	willing	willing	ADJ
cjrl-2282	225	48	to	to	PART
cjrl-2282	225	49	wait	wait	VERB
cjrl-2282	225	50	a	a	DET
cjrl-2282	225	51	brief	brief	ADJ
cjrl-2282	225	52	period	period	NOUN
cjrl-2282	225	53	to	to	PART
cjrl-2282	225	54	collect	collect	VERB
cjrl-2282	225	55	the	the	DET
cjrl-2282	225	56	funds	fund	NOUN
cjrl-2282	225	57	from	from	ADP
cjrl-2282	225	58	the	the	DET
cjrl-2282	225	59	buyer	buyer	NOUN
cjrl-2282	225	60	’s	’s	PART
cjrl-2282	225	61	bank	bank	NOUN
cjrl-2282	225	62	.	.	PUNCT
cjrl-2282	226	1	the	the	DET
cjrl-2282	226	2	focus	focus	NOUN
cjrl-2282	226	3	of	of	ADP
cjrl-2282	226	4	the	the	DET
cjrl-2282	226	5	reformers	reformer	NOUN
cjrl-2282	226	6	was	be	AUX
cjrl-2282	226	7	primarily	primarily	ADV
cjrl-2282	226	8	on	on	ADP
cjrl-2282	226	9	the	the	DET
cjrl-2282	226	10	seller	seller	NOUN
cjrl-2282	226	11	’s	’s	PART
cjrl-2282	226	12	demand	demand	NOUN
cjrl-2282	226	13	rights	right	NOUN
cjrl-2282	226	14	in	in	ADP
cjrl-2282	226	15	the	the	DET
cjrl-2282	226	16	instrument	instrument	NOUN
cjrl-2282	226	17	.	.	PUNCT
cjrl-2282	227	1	of	of	ADP
cjrl-2282	227	2	course	course	ADV
cjrl-2282	227	3	,	,	PUNCT
cjrl-2282	227	4	it	it	PRON
cjrl-2282	227	5	is	be	AUX
cjrl-2282	227	6	the	the	DET
cjrl-2282	227	7	seller	seller	NOUN
cjrl-2282	227	8	in	in	ADP
cjrl-2282	227	9	the	the	DET
cjrl-2282	227	10	underlying	underlying	ADJ
cjrl-2282	227	11	commercial	commercial	ADJ
cjrl-2282	227	12	transaction	transaction	NOUN
cjrl-2282	227	13	who	who	PRON
cjrl-2282	227	14	is	be	AUX
cjrl-2282	227	15	entitled	entitle	VERB
cjrl-2282	227	16	to	to	ADP
cjrl-2282	227	17	payment	payment	NOUN
cjrl-2282	227	18	and	and	CCONJ
cjrl-2282	227	19	who	who	PRON
cjrl-2282	227	20	has	have	AUX
cjrl-2282	227	21	agreed	agree	VERB
cjrl-2282	227	22	to	to	PART
cjrl-2282	227	23	take	take	VERB
cjrl-2282	227	24	a	a	DET
cjrl-2282	227	25	check	check	NOUN
cjrl-2282	227	26	as	as	ADP
cjrl-2282	227	27	a	a	DET
cjrl-2282	227	28	substitute	substitute	NOUN
cjrl-2282	227	29	for	for	ADP
cjrl-2282	227	30	money	money	NOUN
cjrl-2282	227	31	with	with	ADP
cjrl-2282	227	32	the	the	DET
cjrl-2282	227	33	understanding	understanding	NOUN
cjrl-2282	227	34	that	that	PRON
cjrl-2282	227	35	the	the	DET
cjrl-2282	227	36	buyer	buyer	NOUN
cjrl-2282	227	37	has	have	VERB
cjrl-2282	227	38	sufficient	sufficient	ADJ
cjrl-2282	227	39	funds	fund	NOUN
cjrl-2282	227	40	on	on	ADP
cjrl-2282	227	41	deposit	deposit	NOUN
cjrl-2282	227	42	at	at	ADP
cjrl-2282	227	43	its	its	PRON
cjrl-2282	227	44	bank	bank	NOUN
cjrl-2282	227	45	at	at	ADP
cjrl-2282	227	46	the	the	DET
cjrl-2282	227	47	time	time	NOUN
cjrl-2282	227	48	when	when	SCONJ
cjrl-2282	227	49	the	the	DET
cjrl-2282	227	50	check	check	NOUN
cjrl-2282	227	51	was	be	AUX
cjrl-2282	227	52	issued	issue	VERB
cjrl-2282	227	53	.	.	PUNCT
cjrl-2282	228	1	the	the	DET
cjrl-2282	228	2	second	second	ADJ
cjrl-2282	228	3	party	party	NOUN
cjrl-2282	228	4	to	to	ADP
cjrl-2282	228	5	the	the	DET
cjrl-2282	228	6	three	three	NUM
cjrl-2282	228	7	-	-	PUNCT
cjrl-2282	228	8	party	party	NOUN
cjrl-2282	228	9	bank	bank	NOUN
cjrl-2282	228	10	check	check	NOUN
cjrl-2282	228	11	is	be	AUX
cjrl-2282	228	12	the	the	DET
cjrl-2282	228	13	buyer	buyer	NOUN
cjrl-2282	228	14	or	or	CCONJ
cjrl-2282	228	15	consumer	consumer	NOUN
cjrl-2282	228	16	in	in	ADP
cjrl-2282	228	17	the	the	DET
cjrl-2282	228	18	underlying	underlying	ADJ
cjrl-2282	228	19	commercial	commercial	ADJ
cjrl-2282	228	20	transaction	transaction	NOUN
cjrl-2282	228	21	who	who	PRON
cjrl-2282	228	22	issued	issue	VERB
cjrl-2282	228	23	the	the	DET
cjrl-2282	228	24	check	check	NOUN
cjrl-2282	228	25	as	as	ADP
cjrl-2282	228	26	payment	payment	NOUN
cjrl-2282	228	27	.	.	PUNCT
cjrl-2282	229	1	traditionally	traditionally	ADV
cjrl-2282	229	2	,	,	PUNCT
cjrl-2282	229	3	rightly	rightly	ADV
cjrl-2282	229	4	or	or	CCONJ
cjrl-2282	229	5	wrongly	wrongly	ADV
cjrl-2282	229	6	,	,	PUNCT
cjrl-2282	229	7	the	the	DET
cjrl-2282	229	8	buyer	buyer	NOUN
cjrl-2282	229	9	developed	develop	VERB
cjrl-2282	229	10	a	a	DET
cjrl-2282	229	11	reasonable	reasonable	ADJ
cjrl-2282	229	12	expectation	expectation	NOUN
cjrl-2282	229	13	that	that	SCONJ
cjrl-2282	229	14	there	there	PRON
cjrl-2282	229	15	would	would	AUX
cjrl-2282	229	16	be	be	AUX
cjrl-2282	229	17	some	some	DET
cjrl-2282	229	18	delay	delay	NOUN
cjrl-2282	229	19	before	before	SCONJ
cjrl-2282	229	20	the	the	DET
cjrl-2282	229	21	money	money	NOUN
cjrl-2282	229	22	would	would	AUX
cjrl-2282	229	23	be	be	AUX
cjrl-2282	229	24	debited	debit	VERB
cjrl-2282	229	25	against	against	ADP
cjrl-2282	229	26	the	the	DET
cjrl-2282	229	27	account	account	NOUN
cjrl-2282	229	28	from	from	ADP
cjrl-2282	229	29	which	which	PRON
cjrl-2282	229	30	the	the	DET
cjrl-2282	229	31	check	check	NOUN
cjrl-2282	229	32	was	be	AUX
cjrl-2282	229	33	issued	issue	VERB
cjrl-2282	229	34	.	.	PUNCT
cjrl-2282	230	1	not	not	PART
cjrl-2282	230	2	only	only	ADV
cjrl-2282	230	3	did	do	AUX
cjrl-2282	230	4	these	these	DET
cjrl-2282	230	5	consumers	consumer	NOUN
cjrl-2282	230	6	expect	expect	VERB
cjrl-2282	230	7	a	a	DET
cjrl-2282	230	8	delay	delay	NOUN
cjrl-2282	230	9	in	in	ADP
cjrl-2282	230	10	payment	payment	NOUN
cjrl-2282	230	11	,	,	PUNCT
cjrl-2282	230	12	they	they	PRON
cjrl-2282	230	13	perceived	perceive	VERB
cjrl-2282	230	14	benefits	benefit	NOUN
cjrl-2282	230	15	from	from	ADP
cjrl-2282	230	16	the	the	DET
cjrl-2282	230	17	delay	delay	NOUN
cjrl-2282	230	18	,	,	PUNCT
cjrl-2282	230	19	including	include	VERB
cjrl-2282	230	20	continued	continue	VERB
cjrl-2282	230	21	earning	earning	NOUN
cjrl-2282	230	22	of	of	ADP
cjrl-2282	230	23	interest	interest	NOUN
cjrl-2282	230	24	during	during	ADP
cjrl-2282	230	25	the	the	DET
cjrl-2282	230	26	delay	delay	NOUN
cjrl-2282	230	27	period	period	NOUN
cjrl-2282	230	28	,	,	PUNCT
cjrl-2282	230	29	and	and	CCONJ
cjrl-2282	230	30	continued	continue	VERB
cjrl-2282	230	31	use	use	NOUN
cjrl-2282	230	32	of	of	ADP
cjrl-2282	230	33	funds.42	funds.42	NOUN
cjrl-2282	230	34	regulation	regulation	NOUN
cjrl-2282	230	35	cc	cc	NOUN
cjrl-2282	230	36	and	and	CCONJ
cjrl-2282	230	37	check	check	VERB
cjrl-2282	230	38	21	21	NUM
cjrl-2282	230	39	successfully	successfully	ADV
cjrl-2282	230	40	reduced	reduce	VERB
cjrl-2282	230	41	bank	bank	NOUN
cjrl-2282	230	42	float	float	NOUN
cjrl-2282	230	43	and	and	CCONJ
cjrl-2282	230	44	expedited	expedite	VERB
cjrl-2282	230	45	the	the	DET
cjrl-2282	230	46	availability	availability	NOUN
cjrl-2282	230	47	of	of	ADP
cjrl-2282	230	48	funds	fund	NOUN
cjrl-2282	230	49	to	to	ADP
cjrl-2282	230	50	sellers	seller	NOUN
cjrl-2282	230	51	.	.	PUNCT
cjrl-2282	231	1	however	however	ADV
cjrl-2282	231	2	,	,	PUNCT
cjrl-2282	231	3	in	in	ADP
cjrl-2282	231	4	a	a	DET
cjrl-2282	231	5	significant	significant	ADJ
cjrl-2282	231	6	oversight	oversight	NOUN
cjrl-2282	231	7	,	,	PUNCT
cjrl-2282	231	8	the	the	DET
cjrl-2282	231	9	regulators	regulator	NOUN
cjrl-2282	231	10	failed	fail	VERB
cjrl-2282	231	11	to	to	PART
cjrl-2282	231	12	consider	consider	VERB
cjrl-2282	231	13	the	the	DET
cjrl-2282	231	14	impact	impact	NOUN
cjrl-2282	231	15	of	of	ADP
cjrl-2282	231	16	the	the	DET
cjrl-2282	231	17	reform	reform	NOUN
cjrl-2282	231	18	rules	rule	NOUN
cjrl-2282	231	19	on	on	ADP
cjrl-2282	231	20	consumers	consumer	NOUN
cjrl-2282	231	21	who	who	PRON
cjrl-2282	231	22	were	be	AUX
cjrl-2282	231	23	accustomed	accustom	VERB
cjrl-2282	231	24	to	to	ADP
cjrl-2282	231	25	using	use	VERB
cjrl-2282	231	26	checks	check	NOUN
cjrl-2282	231	27	to	to	PART
cjrl-2282	231	28	pay	pay	VERB
cjrl-2282	231	29	for	for	ADP
cjrl-2282	231	30	their	their	PRON
cjrl-2282	231	31	purchases	purchase	NOUN
cjrl-2282	231	32	.	.	PUNCT
cjrl-2282	232	1	the	the	DET
cjrl-2282	232	2	result	result	NOUN
cjrl-2282	232	3	was	be	AUX
cjrl-2282	232	4	that	that	PRON
cjrl-2282	232	5	low	low	ADJ
cjrl-2282	232	6	-	-	PUNCT
cjrl-2282	232	7	income	income	NOUN
cjrl-2282	232	8	and	and	CCONJ
cjrl-2282	232	9	minority	minority	NOUN
cjrl-2282	232	10	consumers	consumer	NOUN
cjrl-2282	232	11	were	be	AUX
cjrl-2282	232	12	left	leave	VERB
cjrl-2282	232	13	scrambling	scramble	VERB
cjrl-2282	232	14	for	for	SCONJ
cjrl-2282	232	15	alternative	alternative	ADJ
cjrl-2282	232	16	cash	cash	NOUN
cjrl-2282	232	17	management	management	NOUN
cjrl-2282	232	18	strategies.43	strategies.43	NOUN
cjrl-2282	232	19	41	41	NUM
cjrl-2282	232	20	the	the	DET
cjrl-2282	232	21	mid-1950s	mid-1950s	NUM
cjrl-2282	232	22	until	until	ADP
cjrl-2282	232	23	1990	1990	NUM
cjrl-2282	232	24	used	use	VERB
cjrl-2282	232	25	u.c.c	u.c.c	NOUN
cjrl-2282	232	26	.	.	PUNCT
cjrl-2282	233	1	article	article	NOUN
cjrl-2282	233	2	4	4	NUM
cjrl-2282	233	3	and	and	CCONJ
cjrl-2282	233	4	the	the	DET
cjrl-2282	233	5	midnight	midnight	NOUN
cjrl-2282	233	6	deadline	deadline	NOUN
cjrl-2282	233	7	rules	rule	NOUN
cjrl-2282	233	8	.	.	PUNCT
cjrl-2282	234	1	from	from	ADP
cjrl-2282	234	2	1990	1990	NUM
cjrl-2282	234	3	to	to	ADP
cjrl-2282	234	4	2004	2004	NUM
cjrl-2282	234	5	,	,	PUNCT
cjrl-2282	234	6	we	we	PRON
cjrl-2282	234	7	have	have	AUX
cjrl-2282	234	8	had	have	VERB
cjrl-2282	234	9	the	the	DET
cjrl-2282	234	10	efaa	efaa	NOUN
cjrl-2282	234	11	and	and	CCONJ
cjrl-2282	234	12	regulation	regulation	NOUN
cjrl-2282	234	13	cc	cc	PROPN
cjrl-2282	234	14	.	.	PROPN
cjrl-2282	234	15	from	from	ADP
cjrl-2282	234	16	2004	2004	NUM
cjrl-2282	234	17	to	to	ADP
cjrl-2282	234	18	the	the	DET
cjrl-2282	234	19	present	present	NOUN
cjrl-2282	234	20	we	we	PRON
cjrl-2282	234	21	have	have	AUX
cjrl-2282	234	22	had	have	VERB
cjrl-2282	234	23	the	the	DET
cjrl-2282	234	24	check	check	NOUN
cjrl-2282	234	25	21	21	NUM
cjrl-2282	234	26	act	act	NOUN
cjrl-2282	234	27	.	.	PUNCT
cjrl-2282	235	1	42	42	NUM
cjrl-2282	235	2	jeffrey	jeffrey	PROPN
cjrl-2282	235	3	m.	m.	PROPN
cjrl-2282	235	4	lacker	lacker	PROPN
cjrl-2282	235	5	,	,	PUNCT
cjrl-2282	235	6	the	the	DET
cjrl-2282	235	7	check	check	NOUN
cjrl-2282	235	8	float	float	NOUN
cjrl-2282	235	9	puzzle	puzzle	NOUN
cjrl-2282	235	10	,	,	PUNCT
cjrl-2282	235	11	83	83	NUM
cjrl-2282	235	12	fed	fed	PROPN
cjrl-2282	235	13	.	.	PUNCT
cjrl-2282	235	14	reserve	reserve	PROPN
cjrl-2282	235	15	bank	bank	PROPN
cjrl-2282	235	16	of	of	ADP
cjrl-2282	235	17	richmond	richmond	PROPN
cjrl-2282	235	18	econ	econ	PROPN
cjrl-2282	235	19	.	.	PUNCT
cjrl-2282	236	1	q.	q.	PROPN
cjrl-2282	236	2	1	1	NUM
cjrl-2282	236	3	,	,	PUNCT
cjrl-2282	236	4	1–25	1–25	NUM
cjrl-2282	236	5	(	(	PUNCT
cjrl-2282	236	6	1997	1997	NUM
cjrl-2282	236	7	)	)	PUNCT
cjrl-2282	236	8	.	.	PUNCT
cjrl-2282	237	1	43	43	NUM
cjrl-2282	237	2	see	see	VERB
cjrl-2282	237	3	the	the	DET
cjrl-2282	237	4	color	color	NOUN
cjrl-2282	237	5	of	of	ADP
cjrl-2282	237	6	debt	debt	NOUN
cjrl-2282	237	7	:	:	PUNCT
cjrl-2282	237	8	credit	credit	NOUN
cjrl-2282	237	9	card	card	NOUN
cjrl-2282	237	10	debt	debt	NOUN
cjrl-2282	237	11	by	by	ADP
cjrl-2282	237	12	race	race	NOUN
cjrl-2282	237	13	and	and	CCONJ
cjrl-2282	237	14	ethnicity	ethnicity	NOUN
cjrl-2282	237	15	,	,	PUNCT
cjrl-2282	237	16	demos	demos	NOUN
cjrl-2282	237	17	,	,	PUNCT
cjrl-2282	237	18	http://www.demos.org/sites/default/files/publications/factsheet_thecolorofdebt_demos.pdf	http://www.demos.org/sites/default/files/publications/factsheet_thecolorofdebt_demos.pdf	X
cjrl-2282	237	19	(	(	PUNCT
cjrl-2282	237	20	last	last	ADV
cjrl-2282	237	21	visited	visit	VERB
cjrl-2282	237	22	nov	nov	PROPN
cjrl-2282	237	23	.	.	PROPN
cjrl-2282	237	24	25	25	NUM
cjrl-2282	237	25	,	,	PUNCT
cjrl-2282	237	26	2012	2012	NUM
cjrl-2282	237	27	)	)	PUNCT
cjrl-2282	237	28	(	(	PUNCT
cjrl-2282	237	29	noting	note	VERB
cjrl-2282	237	30	that	that	SCONJ
cjrl-2282	237	31	in	in	ADP
cjrl-2282	237	32	2007	2007	NUM
cjrl-2282	237	33	,	,	PUNCT
cjrl-2282	237	34	thirty	thirty	NUM
cjrl-2282	237	35	-	-	PUNCT
cjrl-2282	237	36	nine	nine	NUM
cjrl-2282	237	37	percent	percent	NOUN
cjrl-2282	237	38	of	of	ADP
cjrl-2282	237	39	minority	minority	NOUN
cjrl-2282	237	40	consumers	consumer	NOUN
cjrl-2282	237	41	used	use	VERB
cjrl-2282	237	42	credit	credit	NOUN
cjrl-2282	237	43	cards	card	NOUN
cjrl-2282	237	44	“	"	PUNCT
cjrl-2282	237	45	to	to	PART
cjrl-2282	237	46	pay	pay	VERB
cjrl-2282	237	47	for	for	ADP
cjrl-2282	237	48	basic	basic	ADJ
cjrl-2282	237	49	expenses	expense	NOUN
cjrl-2282	237	50	”	"	PUNCT
cjrl-2282	237	51	such	such	ADJ
cjrl-2282	237	52	as	as	ADP
cjrl-2282	237	53	“	"	PUNCT
cjrl-2282	237	54	rent	rent	NOUN
cjrl-2282	237	55	,	,	PUNCT
cjrl-2282	237	56	mortgage	mortgage	NOUN
cjrl-2282	237	57	payments	payment	NOUN
cjrl-2282	237	58	,	,	PUNCT
cjrl-2282	237	59	groceries	grocery	NOUN
cjrl-2282	237	60	,	,	PUNCT
cjrl-2282	237	61	utilities	utility	NOUN
cjrl-2282	237	62	or	or	CCONJ
cjrl-2282	237	63	insurance	insurance	NOUN
cjrl-2282	237	64	because	because	SCONJ
cjrl-2282	237	65	they	they	PRON
cjrl-2282	237	66	did	do	AUX
cjrl-2282	237	67	not	not	PART
cjrl-2282	237	68	have	have	VERB
cjrl-2282	237	69	enough	enough	ADJ
cjrl-2282	237	70	money	money	NOUN
cjrl-2282	237	71	in	in	ADP
cjrl-2282	237	72	their	their	PRON
cjrl-2282	237	73	checking	checking	NOUN
cjrl-2282	237	74	or	or	CCONJ
cjrl-2282	237	75	savings	saving	NOUN
cjrl-2282	237	76	account	account	NOUN
cjrl-2282	237	77	”	"	PUNCT
cjrl-2282	237	78	)	)	PUNCT
cjrl-2282	237	79	;	;	PUNCT
cjrl-2282	237	80	see	see	VERB
cjrl-2282	237	81	also	also	ADV
cjrl-2282	237	82	the	the	DET
cjrl-2282	237	83	plastic	plastic	ADJ
cjrl-2282	237	84	safety	safety	NOUN
cjrl-2282	237	85	net	net	NOUN
cjrl-2282	237	86	:	:	PUNCT
cjrl-2282	237	87	findings	finding	NOUN
cjrl-2282	237	88	from	from	ADP
cjrl-2282	237	89	the	the	DET
cjrl-2282	237	90	2012	2012	NUM
cjrl-2282	237	91	national	national	ADJ
cjrl-2282	237	92	survey	survey	NOUN
cjrl-2282	237	93	on	on	ADP
cjrl-2282	237	94	credit	credit	NOUN
cjrl-2282	237	95	card	card	NOUN
cjrl-2282	237	96	debt	debt	NOUN
cjrl-2282	237	97	of	of	ADP
cjrl-2282	237	98	low	low	ADJ
cjrl-2282	237	99	and	and	CCONJ
cjrl-2282	237	100	middle	middle	ADJ
cjrl-2282	237	101	income	income	NOUN
cjrl-2282	237	102	households	household	NOUN
cjrl-2282	237	103	,	,	PUNCT
cjrl-2282	237	104	demos	demos	NOUN
cjrl-2282	237	105	,	,	PUNCT
cjrl-2282	237	106	http://www.demos.org/sites/default/files/publications/plasticsafetynetdemos.pdf	http://www.demos.org/sites/default/files/publications/plasticsafetynetdemos.pdf	PROPN
cjrl-2282	237	107	(	(	PUNCT
cjrl-2282	237	108	last	last	ADV
cjrl-2282	237	109	visited	visit	VERB
cjrl-2282	237	110	nov	nov	PROPN
cjrl-2282	237	111	.	.	PROPN
cjrl-2282	237	112	25	25	NUM
cjrl-2282	237	113	,	,	PUNCT
cjrl-2282	237	114	2012	2012	NUM
cjrl-2282	237	115	)	)	PUNCT
cjrl-2282	237	116	(	(	PUNCT
cjrl-2282	237	117	“	"	PUNCT
cjrl-2282	237	118	nearly	nearly	ADV
cjrl-2282	237	119	half	half	NOUN
cjrl-2282	237	120	of	of	ADP
cjrl-2282	237	121	young	young	ADJ
cjrl-2282	237	122	adults	adult	NOUN
cjrl-2282	237	123	and	and	CCONJ
cjrl-2282	237	124	forty	forty	NUM
cjrl-2282	237	125	-	-	PUNCT
cjrl-2282	237	126	five	five	NUM
cjrl-2282	237	127	percent	percent	NOUN
cjrl-2282	237	128	of	of	ADP
cjrl-2282	237	129	households	household	NOUN
cjrl-2282	237	130	earning	earn	VERB
cjrl-2282	237	131	less	less	ADJ
cjrl-2282	237	132	than	than	ADP
cjrl-2282	237	133	$	$	SYM
cjrl-2282	237	134	50,000	50,000	NUM
cjrl-2282	237	135	per	per	ADP
cjrl-2282	237	136	year	year	NOUN
cjrl-2282	237	137	used	use	VERB
cjrl-2282	237	138	credit	credit	NOUN
cjrl-2282	237	139	cards	card	NOUN
cjrl-2282	237	140	to	to	PART
cjrl-2282	237	141	pay	pay	VERB
cjrl-2282	237	142	basic	basic	ADJ
cjrl-2282	237	143	monthly	monthly	ADJ
cjrl-2282	237	144	costs	cost	NOUN
cjrl-2282	237	145	like	like	ADP
cjrl-2282	237	146	groceries	grocery	NOUN
cjrl-2282	237	147	and	and	CCONJ
cjrl-2282	237	148	rent	rent	NOUN
cjrl-2282	237	149	.	.	PUNCT
cjrl-2282	238	1	fifty	fifty	NUM
cjrl-2282	238	2	-	-	PUNCT
cjrl-2282	238	3	two	two	NUM
cjrl-2282	238	4	percent	percent	NOUN
cjrl-2282	238	5	of	of	ADP
cjrl-2282	238	6	households	household	NOUN
cjrl-2282	238	7	with	with	ADP
cjrl-2282	238	8	members	member	NOUN
cjrl-2282	238	9	lacking	lack	VERB
cjrl-2282	238	10	health	health	NOUN
cjrl-2282	238	11	insurance	insurance	NOUN
cjrl-2282	238	12	paid	pay	VERB
cjrl-2282	238	13	for	for	ADP
cjrl-2282	238	14	necessities	necessity	NOUN
cjrl-2282	238	15	with	with	ADP
cjrl-2282	238	16	credit	credit	NOUN
cjrl-2282	238	17	cards	card	NOUN
cjrl-2282	238	18	.	.	PUNCT
cjrl-2282	238	19	”	"	PUNCT
cjrl-2282	238	20	)	)	PUNCT
cjrl-2282	238	21	.	.	PUNCT
cjrl-2282	239	1	by	by	ADP
cjrl-2282	239	2	contrast	contrast	NOUN
cjrl-2282	239	3	,	,	PUNCT
cjrl-2282	239	4	fifty	fifty	NUM
cjrl-2282	239	5	-	-	PUNCT
cjrl-2282	239	6	four	four	NUM
cjrl-2282	239	7	percent	percent	NOUN
cjrl-2282	239	8	of	of	ADP
cjrl-2282	239	9	all	all	DET
cjrl-2282	239	10	households	household	NOUN
cjrl-2282	239	11	surveyed	survey	VERB
cjrl-2282	239	12	in	in	ADP
cjrl-2282	239	13	a	a	DET
cjrl-2282	239	14	2007	2007	NUM
cjrl-2282	239	15	study	study	NOUN
cjrl-2282	239	16	reported	report	VERB
cjrl-2282	239	17	using	use	VERB
cjrl-2282	239	18	checks	check	NOUN
cjrl-2282	239	19	to	to	PART
cjrl-2282	239	20	cover	cover	VERB
cjrl-2282	239	21	basic	basic	ADJ
cjrl-2282	239	22	month	month	NOUN
cjrl-2282	239	23	-	-	PUNCT
cjrl-2282	239	24	to	to	ADP
cjrl-2282	239	25	-	-	PUNCT
cjrl-2282	239	26	month	month	NOUN
cjrl-2282	239	27	expenses	expense	NOUN
cjrl-2282	239	28	.	.	PUNCT
cjrl-2282	240	1	see	see	VERB
cjrl-2282	240	2	pew	pew	PROPN
cjrl-2282	240	3	research	research	PROPN
cjrl-2282	240	4	ctr	ctr	PROPN
cjrl-2282	240	5	.	.	PROPN
cjrl-2282	241	1	,	,	PUNCT
cjrl-2282	241	2	what	what	PRON
cjrl-2282	241	3	americans	americans	PROPN
cjrl-2282	241	4	pay	pay	VERB
cjrl-2282	241	5	for	for	ADP
cjrl-2282	241	6	—	—	PUNCT
cjrl-2282	241	7	and	and	CCONJ
cjrl-2282	241	8	how	how	SCONJ
cjrl-2282	241	9	(	(	PUNCT
cjrl-2282	241	10	2007	2007	NUM
cjrl-2282	241	11	)	)	PUNCT
cjrl-2282	241	12	.	.	PUNCT
cjrl-2282	242	1	this	this	DET
cjrl-2282	242	2	information	information	NOUN
cjrl-2282	242	3	lends	lend	VERB
cjrl-2282	242	4	itself	itself	PRON
cjrl-2282	242	5	to	to	ADP
cjrl-2282	242	6	the	the	DET
cjrl-2282	242	7	inference	inference	NOUN
cjrl-2282	242	8	that	that	PRON
cjrl-2282	242	9	less	less	ADV
cjrl-2282	242	10	lower	low	ADJ
cjrl-2282	242	11	-	-	PUNCT
cjrl-2282	242	12	income	income	NOUN
cjrl-2282	242	13	and	and	CCONJ
cjrl-2282	242	14	minority	minority	NOUN
cjrl-2282	242	15	consumers	consumer	NOUN
cjrl-2282	242	16	are	be	AUX
cjrl-2282	242	17	using	use	VERB
cjrl-2282	242	18	checks	check	NOUN
cjrl-2282	242	19	for	for	ADP
cjrl-2282	242	20	their	their	PRON
cjrl-2282	242	21	daily	daily	ADJ
cjrl-2282	242	22	expenses	expense	NOUN
cjrl-2282	242	23	.	.	PUNCT
cjrl-2282	243	1	moreover	moreover	ADV
cjrl-2282	243	2	,	,	PUNCT
cjrl-2282	243	3	the	the	DET
cjrl-2282	243	4	fact	fact	NOUN
cjrl-2282	243	5	that	that	SCONJ
cjrl-2282	243	6	lowincome	lowincome	NOUN
cjrl-2282	243	7	and	and	CCONJ
cjrl-2282	243	8	minority	minority	NOUN
cjrl-2282	243	9	consumers	consumer	NOUN
cjrl-2282	243	10	made	make	VERB
cjrl-2282	243	11	the	the	DET
cjrl-2282	243	12	switch	switch	NOUN
cjrl-2282	243	13	is	be	AUX
cjrl-2282	243	14	not	not	PART
cjrl-2282	243	15	an	an	DET
cjrl-2282	243	16	accident	accident	NOUN
cjrl-2282	243	17	.	.	PUNCT
cjrl-2282	244	1	over	over	ADP
cjrl-2282	244	2	forty	forty	NUM
cjrl-2282	244	3	percent	percent	NOUN
cjrl-2282	244	4	of	of	ADP
cjrl-2282	244	5	households	household	NOUN
cjrl-2282	244	6	which	which	PRON
cjrl-2282	244	7	relied	rely	VERB
cjrl-2282	244	8	on	on	ADP
cjrl-2282	244	9	credit	credit	NOUN
cjrl-2282	244	10	card	card	NOUN
cjrl-2282	244	11	debt	debt	NOUN
cjrl-2282	244	12	for	for	ADP
cjrl-2282	244	13	basic	basic	ADJ
cjrl-2282	244	14	daily	daily	ADJ
cjrl-2282	244	15	expenses	expense	NOUN
cjrl-2282	244	16	such	such	ADJ
cjrl-2282	244	17	as	as	ADP
cjrl-2282	244	18	rent	rent	NOUN
cjrl-2282	244	19	did	do	VERB
cjrl-2282	244	20	so	so	ADV
cjrl-2282	244	21	because	because	SCONJ
cjrl-2282	244	22	their	their	PRON
cjrl-2282	244	23	checking	checking	NOUN
cjrl-2282	244	24	accounts	account	NOUN
cjrl-2282	244	25	did	do	AUX
cjrl-2282	244	26	not	not	PART
cjrl-2282	244	27	provide	provide	VERB
cjrl-2282	244	28	a	a	DET
cjrl-2282	244	29	sufficient	sufficient	ADJ
cjrl-2282	244	30	financial	financial	ADJ
cjrl-2282	244	31	cushion	cushion	NOUN
cjrl-2282	244	32	.	.	PUNCT
cjrl-2282	245	1	see	see	VERB
cjrl-2282	245	2	demos	demos	NOUN
cjrl-2282	245	3	,	,	PUNCT
cjrl-2282	245	4	plastic	plastic	NOUN
cjrl-2282	245	5	safety	safety	NOUN
cjrl-2282	245	6	net	net	NOUN
cjrl-2282	245	7	.	.	PUNCT
cjrl-2282	246	1	a	a	DET
cjrl-2282	246	2	survey	survey	NOUN
cjrl-2282	246	3	of	of	ADP
cjrl-2282	246	4	payday	payday	NOUN
cjrl-2282	246	5	loan	loan	NOUN
cjrl-2282	246	6	users	user	NOUN
cjrl-2282	246	7	in	in	ADP
cjrl-2282	246	8	texas	texas	PROPN
cjrl-2282	246	9	turned	turn	VERB
cjrl-2282	246	10	up	up	ADP
cjrl-2282	246	11	similar	similar	ADJ
cjrl-2282	246	12	results	result	NOUN
cjrl-2282	246	13	regarding	regard	VERB
cjrl-2282	246	14	the	the	DET
cjrl-2282	246	15	type	type	NOUN
cjrl-2282	246	16	of	of	ADP
cjrl-2282	246	17	expenses	expense	NOUN
cjrl-2282	246	18	that	that	PRON
cjrl-2282	246	19	the	the	DET
cjrl-2282	246	20	loans	loan	NOUN
cjrl-2282	246	21	were	be	AUX
cjrl-2282	246	22	used	use	VERB
cjrl-2282	246	23	for	for	ADP
cjrl-2282	246	24	.	.	PUNCT
cjrl-2282	247	1	see	see	VERB
cjrl-2282	247	2	short	short	ADJ
cjrl-2282	247	3	-	-	PUNCT
cjrl-2282	247	4	term	term	NOUN
cjrl-2282	247	5	cash	cash	NOUN
cjrl-2282	247	6	,	,	PUNCT
cjrl-2282	247	7	long	long	ADJ
cjrl-2282	247	8	-	-	PUNCT
cjrl-2282	247	9	term	term	NOUN
cjrl-2282	247	10	debt	debt	NOUN
cjrl-2282	247	11	,	,	PUNCT
cjrl-2282	247	12	texas	texas	PROPN
cjrl-2282	247	13	appleseed	appleseed	PROPN
cjrl-2282	247	14	,	,	PUNCT
cjrl-2282	247	15	9–12	9–12	PROPN
cjrl-2282	247	16	(	(	PUNCT
cjrl-2282	247	17	apr	apr	PROPN
cjrl-2282	247	18	.	.	PROPN
cjrl-2282	247	19	2009	2009	NUM
cjrl-2282	247	20	)	)	PUNCT
cjrl-2282	247	21	,	,	PUNCT
cjrl-2282	247	22	http://www.caction.org/can-research/reports/2009/short-termcashlong-termdebt.pdf	http://www.caction.org/can-research/reports/2009/short-termcashlong-termdebt.pdf	NOUN
cjrl-2282	247	23	(	(	PUNCT
cjrl-2282	247	24	“	"	PUNCT
cjrl-2282	247	25	the	the	DET
cjrl-2282	247	26	majority	majority	NOUN
cjrl-2282	247	27	of	of	ADP
cjrl-2282	247	28	respondents	respondent	NOUN
cjrl-2282	247	29	need	need	VERB
cjrl-2282	247	30	credit	credit	NOUN
cjrl-2282	247	31	to	to	PART
cjrl-2282	247	32	cover	cover	VERB
cjrl-2282	247	33	basic	basic	ADJ
cjrl-2282	247	34	recurring	recurring	NOUN
cjrl-2282	247	35	expenses	expense	NOUN
cjrl-2282	247	36	,	,	PUNCT
cjrl-2282	247	37	such	such	ADJ
cjrl-2282	247	38	as	as	ADP
cjrl-2282	247	39	bills	bill	NOUN
cjrl-2282	247	40	,	,	PUNCT
cjrl-2282	247	41	food	food	NOUN
cjrl-2282	247	42	and	and	CCONJ
cjrl-2282	247	43	rent	rent	NOUN
cjrl-2282	247	44	,	,	PUNCT
cjrl-2282	247	45	or	or	CCONJ
cjrl-2282	247	46	mortgage	mortgage	NOUN
cjrl-2282	247	47	payments	payment	NOUN
cjrl-2282	247	48	.	.	PUNCT
cjrl-2282	247	49	”	"	PUNCT
cjrl-2282	247	50	)	)	PUNCT
cjrl-2282	247	51	;	;	PUNCT
cjrl-2282	247	52	see	see	VERB
cjrl-2282	247	53	also	also	ADV
cjrl-2282	247	54	pew	pew	PROPN
cjrl-2282	247	55	research	research	PROPN
cjrl-2282	247	56	ctr	ctr	PROPN
cjrl-2282	247	57	.	.	PROPN
cjrl-2282	247	58	,	,	PUNCT
cjrl-2282	247	59	who	who	PRON
cjrl-2282	247	60	borrows	borrow	VERB
cjrl-2282	247	61	,	,	PUNCT
cjrl-2282	247	62	where	where	SCONJ
cjrl-2282	247	63	they	they	PRON
cjrl-2282	247	64	borrow	borrow	VERB
cjrl-2282	247	65	,	,	PUNCT
cjrl-2282	247	66	and	and	CCONJ
cjrl-2282	247	67	why	why	SCONJ
cjrl-2282	247	68	(	(	PUNCT
cjrl-2282	247	69	2012	2012	NUM
cjrl-2282	247	70	)	)	PUNCT
cjrl-2282	247	71	(	(	PUNCT
cjrl-2282	247	72	2012	2012	NUM
cjrl-2282	247	73	survey	survey	NOUN
cjrl-2282	247	74	of	of	ADP
cjrl-2282	247	75	consumers	consumer	NOUN
cjrl-2282	247	76	finding	find	VERB
cjrl-2282	247	77	that	that	SCONJ
cjrl-2282	247	78	sixty	sixty	NUM
cjrl-2282	247	79	-	-	PUNCT
cjrl-2282	247	80	nine	nine	NUM
cjrl-2282	247	81	percent	percent	NOUN
cjrl-2282	247	82	used	use	VERB
cjrl-2282	247	83	payday	payday	NOUN
cjrl-2282	247	84	loans	loan	NOUN
cjrl-2282	247	85	to	to	PART
cjrl-2282	247	86	cover	cover	VERB
cjrl-2282	247	87	recurring	recur	VERB
cjrl-2282	247	88	household	household	NOUN
cjrl-2282	247	89	expenses	expense	NOUN
cjrl-2282	247	90	)	)	PUNCT
cjrl-2282	247	91	.	.	PUNCT
cjrl-2282	248	1	in	in	ADP
cjrl-2282	248	2	one	one	NUM
cjrl-2282	248	3	survey	survey	NOUN
cjrl-2282	248	4	,	,	PUNCT
cjrl-2282	248	5	respondents	respondent	NOUN
cjrl-2282	248	6	’	'	PUNCT
cjrl-2282	248	7	answers	answer	NOUN
cjrl-2282	248	8	were	be	AUX
cjrl-2282	248	9	particularly	particularly	ADV
cjrl-2282	248	10	revealing	revealing	ADJ
cjrl-2282	248	11	.	.	PUNCT
cjrl-2282	249	1	the	the	DET
cjrl-2282	249	2	respondents	respondent	NOUN
cjrl-2282	249	3	,	,	PUNCT
cjrl-2282	249	4	explaining	explain	VERB
cjrl-2282	249	5	how	how	SCONJ
cjrl-2282	249	6	they	they	PRON
cjrl-2282	249	7	used	use	VERB
cjrl-2282	249	8	payday	payday	NOUN
cjrl-2282	249	9	loans	loan	NOUN
cjrl-2282	249	10	for	for	ADP
cjrl-2282	249	11	recurring	recur	VERB
cjrl-2282	249	12	expenses	expense	NOUN
cjrl-2282	249	13	,	,	PUNCT
cjrl-2282	249	14	stated	state	VERB
cjrl-2282	249	15	:	:	PUNCT
cjrl-2282	249	16	male	male	ADJ
cjrl-2282	249	17	borrower	borrower	NOUN
cjrl-2282	249	18	,	,	PUNCT
cjrl-2282	249	19	chicago	chicago	PROPN
cjrl-2282	249	20	:	:	PUNCT
cjrl-2282	249	21	2013	2013	NUM
cjrl-2282	249	22	columbia	columbia	PROPN
cjrl-2282	249	23	journal	journal	PROPN
cjrl-2282	249	24	of	of	ADP
cjrl-2282	249	25	race	race	NOUN
cjrl-2282	249	26	and	and	CCONJ
cjrl-2282	249	27	law	law	NOUN
cjrl-2282	249	28	83	83	NUM
cjrl-2282	249	29	iv	iv	NOUN
cjrl-2282	250	1	.	.	PUNCT
cjrl-2282	250	2	consequences	consequence	NOUN
cjrl-2282	250	3	of	of	ADP
cjrl-2282	250	4	federal	federal	ADJ
cjrl-2282	250	5	regulatory	regulatory	ADJ
cjrl-2282	250	6	reform	reform	NOUN
cjrl-2282	250	7	although	although	SCONJ
cjrl-2282	250	8	it	it	PRON
cjrl-2282	250	9	was	be	AUX
cjrl-2282	250	10	undoubtedly	undoubtedly	ADV
cjrl-2282	250	11	prudent	prudent	ADJ
cjrl-2282	250	12	for	for	SCONJ
cjrl-2282	250	13	the	the	DET
cjrl-2282	250	14	fed	fed	PROPN
cjrl-2282	250	15	to	to	PART
cjrl-2282	250	16	take	take	VERB
cjrl-2282	250	17	steps	step	NOUN
cjrl-2282	250	18	to	to	PART
cjrl-2282	250	19	reduce	reduce	VERB
cjrl-2282	250	20	the	the	DET
cjrl-2282	250	21	inflationary	inflationary	ADJ
cjrl-2282	250	22	effect	effect	NOUN
cjrl-2282	250	23	that	that	SCONJ
cjrl-2282	250	24	the	the	DET
cjrl-2282	250	25	traditional	traditional	ADJ
cjrl-2282	250	26	checking	checking	NOUN
cjrl-2282	250	27	system	system	NOUN
cjrl-2282	250	28	had	have	VERB
cjrl-2282	250	29	on	on	ADP
cjrl-2282	250	30	the	the	DET
cjrl-2282	250	31	monetary	monetary	ADJ
cjrl-2282	250	32	system	system	NOUN
cjrl-2282	250	33	,	,	PUNCT
cjrl-2282	250	34	in	in	ADP
cjrl-2282	250	35	so	so	ADV
cjrl-2282	250	36	doing	do	VERB
cjrl-2282	250	37	it	it	PRON
cjrl-2282	250	38	triggered	trigger	VERB
cjrl-2282	250	39	a	a	DET
cjrl-2282	250	40	concomitant	concomitant	ADJ
cjrl-2282	250	41	negative	negative	ADJ
cjrl-2282	250	42	economic	economic	ADJ
cjrl-2282	250	43	impact	impact	NOUN
cjrl-2282	250	44	on	on	ADP
cjrl-2282	250	45	consumers.44	consumers.44	NOUN
cjrl-2282	250	46	there	there	PRON
cjrl-2282	250	47	were	be	VERB
cjrl-2282	250	48	,	,	PUNCT
cjrl-2282	250	49	in	in	ADP
cjrl-2282	250	50	fact	fact	NOUN
cjrl-2282	250	51	,	,	PUNCT
cjrl-2282	250	52	some	some	DET
cjrl-2282	250	53	fears	fear	NOUN
cjrl-2282	250	54	expressed	express	VERB
cjrl-2282	250	55	prior	prior	ADV
cjrl-2282	250	56	to	to	ADP
cjrl-2282	250	57	the	the	DET
cjrl-2282	250	58	passage	passage	NOUN
cjrl-2282	250	59	“	"	PUNCT
cjrl-2282	250	60	just	just	ADV
cjrl-2282	250	61	need	need	VERB
cjrl-2282	250	62	to	to	PART
cjrl-2282	250	63	get	get	VERB
cjrl-2282	250	64	to	to	ADP
cjrl-2282	250	65	the	the	DET
cjrl-2282	250	66	next	next	ADJ
cjrl-2282	250	67	paycheck	paycheck	NOUN
cjrl-2282	250	68	.	.	PUNCT
cjrl-2282	251	1	and	and	CCONJ
cjrl-2282	251	2	i	i	PRON
cjrl-2282	251	3	need	need	VERB
cjrl-2282	251	4	,	,	PUNCT
cjrl-2282	251	5	you	you	PRON
cjrl-2282	251	6	know	know	VERB
cjrl-2282	251	7	,	,	PUNCT
cjrl-2282	251	8	either	either	CCONJ
cjrl-2282	251	9	pay	pay	VERB
cjrl-2282	251	10	the	the	DET
cjrl-2282	251	11	bill	bill	NOUN
cjrl-2282	251	12	to	to	PART
cjrl-2282	251	13	keep	keep	VERB
cjrl-2282	251	14	the	the	DET
cjrl-2282	251	15	lights	light	NOUN
cjrl-2282	251	16	on	on	ADP
cjrl-2282	251	17	,	,	PUNCT
cjrl-2282	251	18	or	or	CCONJ
cjrl-2282	251	19	need	need	VERB
cjrl-2282	251	20	some	some	DET
cjrl-2282	251	21	food	food	NOUN
cjrl-2282	251	22	,	,	PUNCT
cjrl-2282	251	23	or	or	CCONJ
cjrl-2282	251	24	whatever	whatever	PRON
cjrl-2282	251	25	it	it	PRON
cjrl-2282	251	26	is	be	AUX
cjrl-2282	251	27	.	.	PUNCT
cjrl-2282	251	28	”	"	PUNCT
cjrl-2282	251	29	female	female	ADJ
cjrl-2282	251	30	borrower	borrower	NOUN
cjrl-2282	251	31	,	,	PUNCT
cjrl-2282	251	32	san	san	PROPN
cjrl-2282	251	33	francisco	francisco	PROPN
cjrl-2282	251	34	:	:	PUNCT
cjrl-2282	251	35	“	"	PUNCT
cjrl-2282	251	36	if	if	SCONJ
cjrl-2282	251	37	i	i	PRON
cjrl-2282	251	38	have	have	VERB
cjrl-2282	251	39	bills	bill	NOUN
cjrl-2282	251	40	to	to	PART
cjrl-2282	251	41	pay	pay	VERB
cjrl-2282	251	42	,	,	PUNCT
cjrl-2282	251	43	or	or	CCONJ
cjrl-2282	251	44	say	say	VERB
cjrl-2282	251	45	i	i	PRON
cjrl-2282	251	46	need	need	VERB
cjrl-2282	251	47	food	food	NOUN
cjrl-2282	251	48	on	on	ADP
cjrl-2282	251	49	the	the	DET
cjrl-2282	251	50	table	table	NOUN
cjrl-2282	251	51	,	,	PUNCT
cjrl-2282	251	52	i	i	PRON
cjrl-2282	251	53	am	be	AUX
cjrl-2282	251	54	going	go	VERB
cjrl-2282	251	55	.	.	PUNCT
cjrl-2282	251	56	”	"	PUNCT
cjrl-2282	252	1	male	male	ADJ
cjrl-2282	252	2	borrower	borrower	NOUN
cjrl-2282	252	3	,	,	PUNCT
cjrl-2282	252	4	san	san	PROPN
cjrl-2282	252	5	francisco	francisco	PROPN
cjrl-2282	252	6	:	:	PUNCT
cjrl-2282	252	7	“	"	PUNCT
cjrl-2282	252	8	well	well	INTJ
cjrl-2282	252	9	,	,	PUNCT
cjrl-2282	252	10	i	i	PRON
cjrl-2282	252	11	was	be	AUX
cjrl-2282	252	12	a	a	DET
cjrl-2282	252	13	little	little	ADJ
cjrl-2282	252	14	short	short	ADJ
cjrl-2282	252	15	and	and	CCONJ
cjrl-2282	252	16	was	be	AUX
cjrl-2282	252	17	thinking	think	VERB
cjrl-2282	252	18	i	i	PRON
cjrl-2282	252	19	could	could	AUX
cjrl-2282	252	20	use	use	VERB
cjrl-2282	252	21	some	some	PRON
cjrl-2282	252	22	more	more	ADJ
cjrl-2282	252	23	money	money	NOUN
cjrl-2282	252	24	and	and	CCONJ
cjrl-2282	252	25	i	i	PRON
cjrl-2282	252	26	was	be	AUX
cjrl-2282	252	27	at	at	ADP
cjrl-2282	252	28	the	the	DET
cjrl-2282	252	29	atm	atm	NOUN
cjrl-2282	252	30	actually	actually	ADV
cjrl-2282	252	31	,	,	PUNCT
cjrl-2282	252	32	and	and	CCONJ
cjrl-2282	252	33	it	it	PRON
cjrl-2282	252	34	was	be	AUX
cjrl-2282	252	35	there	there	ADV
cjrl-2282	252	36	,	,	PUNCT
cjrl-2282	252	37	offering	offer	VERB
cjrl-2282	252	38	me	i	PRON
cjrl-2282	252	39	a	a	DET
cjrl-2282	252	40	direct	direct	ADJ
cjrl-2282	252	41	deposit	deposit	NOUN
cjrl-2282	252	42	advance	advance	NOUN
cjrl-2282	252	43	.	.	PUNCT
cjrl-2282	253	1	so	so	ADV
cjrl-2282	253	2	,	,	PUNCT
cjrl-2282	253	3	i	i	PRON
cjrl-2282	253	4	thought	think	VERB
cjrl-2282	253	5	i	i	PRON
cjrl-2282	253	6	would	would	AUX
cjrl-2282	253	7	try	try	VERB
cjrl-2282	253	8	it	it	PRON
cjrl-2282	253	9	.	.	PUNCT
cjrl-2282	253	10	”	"	PUNCT
cjrl-2282	254	1	44	44	NUM
cjrl-2282	254	2	see	see	VERB
cjrl-2282	254	3	fed	fed	PROPN
cjrl-2282	254	4	.	.	PUNCT
cjrl-2282	254	5	reserve	reserve	PROPN
cjrl-2282	254	6	bank	bank	PROPN
cjrl-2282	254	7	of	of	ADP
cjrl-2282	254	8	new	new	PROPN
cjrl-2282	254	9	york	york	PROPN
cjrl-2282	254	10	,	,	PUNCT
cjrl-2282	254	11	float	float	NOUN
cjrl-2282	254	12	,	,	PUNCT
cjrl-2282	254	13	supra	supra	ADJ
cjrl-2282	254	14	note	note	NOUN
cjrl-2282	254	15	20	20	NUM
cjrl-2282	254	16	.	.	PUNCT
cjrl-2282	255	1	the	the	DET
cjrl-2282	255	2	federal	federal	PROPN
cjrl-2282	255	3	reserve	reserve	PROPN
cjrl-2282	255	4	bank	bank	PROPN
cjrl-2282	255	5	of	of	ADP
cjrl-2282	255	6	new	new	PROPN
cjrl-2282	255	7	york	york	PROPN
cjrl-2282	255	8	described	describe	VERB
cjrl-2282	255	9	the	the	DET
cjrl-2282	255	10	float	float	ADJ
cjrl-2282	255	11	problem	problem	NOUN
cjrl-2282	255	12	as	as	SCONJ
cjrl-2282	255	13	follows	follow	VERB
cjrl-2282	255	14	:	:	PUNCT
cjrl-2282	255	15	for	for	ADP
cjrl-2282	255	16	several	several	ADJ
cjrl-2282	255	17	reasons	reason	NOUN
cjrl-2282	255	18	,	,	PUNCT
cjrl-2282	255	19	float	float	VERB
cjrl-2282	255	20	increased	increase	VERB
cjrl-2282	255	21	sharply	sharply	ADV
cjrl-2282	255	22	in	in	ADP
cjrl-2282	255	23	the	the	DET
cjrl-2282	255	24	1970s	1970s	NUM
cjrl-2282	255	25	.	.	PUNCT
cjrl-2282	256	1	one	one	NUM
cjrl-2282	256	2	was	be	AUX
cjrl-2282	256	3	that	that	SCONJ
cjrl-2282	256	4	the	the	DET
cjrl-2282	256	5	volume	volume	NOUN
cjrl-2282	256	6	of	of	ADP
cjrl-2282	256	7	checks	check	NOUN
cjrl-2282	256	8	processed	process	VERB
cjrl-2282	256	9	by	by	ADP
cjrl-2282	256	10	the	the	DET
cjrl-2282	256	11	federal	federal	PROPN
cjrl-2282	256	12	reserve	reserve	PROPN
cjrl-2282	256	13	doubled	double	VERB
cjrl-2282	256	14	during	during	ADP
cjrl-2282	256	15	the	the	DET
cjrl-2282	256	16	decade	decade	NOUN
cjrl-2282	256	17	,	,	PUNCT
cjrl-2282	256	18	increasing	increase	VERB
cjrl-2282	256	19	holdover	holdover	ADJ
cjrl-2282	256	20	float	float	NOUN
cjrl-2282	256	21	.	.	PUNCT
cjrl-2282	257	1	also	also	ADV
cjrl-2282	257	2	,	,	PUNCT
cjrl-2282	257	3	high	high	ADJ
cjrl-2282	257	4	inflation	inflation	NOUN
cjrl-2282	257	5	meant	mean	VERB
cjrl-2282	257	6	that	that	SCONJ
cjrl-2282	257	7	the	the	DET
cjrl-2282	257	8	average	average	ADJ
cjrl-2282	257	9	dollar	dollar	NOUN
cjrl-2282	257	10	amount	amount	NOUN
cjrl-2282	257	11	of	of	ADP
cjrl-2282	257	12	check	check	NOUN
cjrl-2282	257	13	increased	increase	VERB
cjrl-2282	257	14	.	.	PUNCT
cjrl-2282	258	1	finally	finally	ADV
cjrl-2282	258	2	,	,	PUNCT
cjrl-2282	258	3	high	high	ADJ
cjrl-2282	258	4	inflation	inflation	NOUN
cjrl-2282	258	5	,	,	PUNCT
cjrl-2282	258	6	coupled	couple	VERB
cjrl-2282	258	7	with	with	ADP
cjrl-2282	258	8	high	high	ADJ
cjrl-2282	258	9	interest	interest	NOUN
cjrl-2282	258	10	rates	rate	NOUN
cjrl-2282	258	11	,	,	PUNCT
cjrl-2282	258	12	provided	provide	VERB
cjrl-2282	258	13	an	an	DET
cjrl-2282	258	14	incentive	incentive	NOUN
cjrl-2282	258	15	for	for	SCONJ
cjrl-2282	258	16	large	large	ADJ
cjrl-2282	258	17	companies	company	NOUN
cjrl-2282	258	18	to	to	PART
cjrl-2282	258	19	draw	draw	VERB
cjrl-2282	258	20	funds	fund	NOUN
cjrl-2282	258	21	from	from	ADP
cjrl-2282	258	22	far	far	ADV
cjrl-2282	258	23	-	-	PUNCT
cjrl-2282	258	24	away	away	NOUN
cjrl-2282	258	25	banks	bank	NOUN
cjrl-2282	258	26	to	to	PART
cjrl-2282	258	27	try	try	VERB
cjrl-2282	258	28	to	to	PART
cjrl-2282	258	29	benefit	benefit	VERB
cjrl-2282	258	30	from	from	ADP
cjrl-2282	258	31	transportation	transportation	NOUN
cjrl-2282	258	32	float	float	NOUN
cjrl-2282	258	33	.	.	PUNCT
cjrl-2282	259	1	the	the	DET
cjrl-2282	259	2	practice	practice	NOUN
cjrl-2282	259	3	of	of	ADP
cjrl-2282	259	4	drawing	draw	VERB
cjrl-2282	259	5	funds	fund	NOUN
cjrl-2282	259	6	from	from	ADP
cjrl-2282	259	7	far	far	ADV
cjrl-2282	259	8	-	-	PUNCT
cjrl-2282	259	9	away	away	NOUN
cjrl-2282	259	10	banks	bank	NOUN
cjrl-2282	259	11	was	be	AUX
cjrl-2282	259	12	known	know	VERB
cjrl-2282	259	13	as	as	ADP
cjrl-2282	259	14	"	"	PUNCT
cjrl-2282	259	15	remote	remote	ADJ
cjrl-2282	259	16	disbursement	disbursement	NOUN
cjrl-2282	259	17	.	.	PUNCT
cjrl-2282	259	18	"	"	PUNCT
cjrl-2282	260	1	the	the	DET
cjrl-2282	260	2	federal	federal	PROPN
cjrl-2282	260	3	reserve	reserve	PROPN
cjrl-2282	260	4	took	take	VERB
cjrl-2282	260	5	action	action	NOUN
cjrl-2282	260	6	in	in	ADP
cjrl-2282	260	7	1973	1973	NUM
cjrl-2282	260	8	to	to	PART
cjrl-2282	260	9	reduce	reduce	VERB
cjrl-2282	260	10	transportation	transportation	NOUN
cjrl-2282	260	11	float	float	NOUN
cjrl-2282	260	12	by	by	ADP
cjrl-2282	260	13	establishing	establish	VERB
cjrl-2282	260	14	new	new	ADJ
cjrl-2282	260	15	regional	regional	ADJ
cjrl-2282	260	16	check	check	NOUN
cjrl-2282	260	17	-	-	PUNCT
cjrl-2282	260	18	processing	process	VERB
cjrl-2282	260	19	facilities	facility	NOUN
cjrl-2282	260	20	throughout	throughout	ADP
cjrl-2282	260	21	the	the	DET
cjrl-2282	260	22	federal	federal	PROPN
cjrl-2282	260	23	reserve	reserve	PROPN
cjrl-2282	260	24	system	system	NOUN
cjrl-2282	260	25	.	.	PUNCT
cjrl-2282	261	1	in	in	ADP
cjrl-2282	261	2	addition	addition	NOUN
cjrl-2282	261	3	,	,	PUNCT
cjrl-2282	261	4	efficiency	efficiency	NOUN
cjrl-2282	261	5	in	in	ADP
cjrl-2282	261	6	the	the	DET
cjrl-2282	261	7	use	use	NOUN
cjrl-2282	261	8	of	of	ADP
cjrl-2282	261	9	air	air	NOUN
cjrl-2282	261	10	charter	charter	NOUN
cjrl-2282	261	11	service	service	NOUN
cjrl-2282	261	12	was	be	AUX
cjrl-2282	261	13	improved	improve	VERB
cjrl-2282	261	14	.	.	PUNCT
cjrl-2282	262	1	these	these	DET
cjrl-2282	262	2	measures	measure	NOUN
cjrl-2282	262	3	helped	help	VERB
cjrl-2282	262	4	reduce	reduce	VERB
cjrl-2282	262	5	float	float	NOUN
cjrl-2282	262	6	from	from	ADP
cjrl-2282	262	7	a	a	DET
cjrl-2282	262	8	daily	daily	ADJ
cjrl-2282	262	9	average	average	NOUN
cjrl-2282	262	10	of	of	ADP
cjrl-2282	262	11	$	$	SYM
cjrl-2282	262	12	2.7	2.7	NUM
cjrl-2282	262	13	billion	billion	NUM
cjrl-2282	262	14	in	in	ADP
cjrl-2282	262	15	1973	1973	NUM
cjrl-2282	262	16	to	to	ADP
cjrl-2282	262	17	a	a	DET
cjrl-2282	262	18	daily	daily	ADJ
cjrl-2282	262	19	average	average	NOUN
cjrl-2282	262	20	of	of	ADP
cjrl-2282	262	21	$	$	SYM
cjrl-2282	262	22	2.1	2.1	NUM
cjrl-2282	262	23	billion	billion	NUM
cjrl-2282	262	24	in	in	ADP
cjrl-2282	262	25	1975	1975	NUM
cjrl-2282	262	26	.	.	PUNCT
cjrl-2282	263	1	however	however	ADV
cjrl-2282	263	2	,	,	PUNCT
cjrl-2282	263	3	between	between	ADP
cjrl-2282	263	4	1975	1975	NUM
cjrl-2282	263	5	and	and	CCONJ
cjrl-2282	263	6	1979	1979	NUM
cjrl-2282	263	7	,	,	PUNCT
cjrl-2282	263	8	float	float	VERB
cjrl-2282	263	9	more	more	ADV
cjrl-2282	263	10	than	than	ADP
cjrl-2282	263	11	tripled	triple	VERB
cjrl-2282	263	12	(	(	PUNCT
cjrl-2282	263	13	in	in	ADP
cjrl-2282	263	14	nominal	nominal	ADJ
cjrl-2282	263	15	terms	term	NOUN
cjrl-2282	263	16	)	)	PUNCT
cjrl-2282	263	17	to	to	ADP
cjrl-2282	263	18	a	a	DET
cjrl-2282	263	19	daily	daily	ADJ
cjrl-2282	263	20	average	average	NOUN
cjrl-2282	263	21	of	of	ADP
cjrl-2282	263	22	$	$	SYM
cjrl-2282	263	23	6.6	6.6	NUM
cjrl-2282	263	24	billion	billion	NUM
cjrl-2282	263	25	,	,	PUNCT
cjrl-2282	263	26	an	an	DET
cjrl-2282	263	27	all	all	DET
cjrl-2282	263	28	-	-	PUNCT
cjrl-2282	263	29	time	time	NOUN
cjrl-2282	263	30	high	high	ADJ
cjrl-2282	263	31	.	.	PUNCT
cjrl-2282	264	1	the	the	DET
cjrl-2282	264	2	board	board	NOUN
cjrl-2282	264	3	of	of	ADP
cjrl-2282	264	4	governors	governor	NOUN
cjrl-2282	264	5	of	of	ADP
cjrl-2282	264	6	the	the	DET
cjrl-2282	264	7	federal	federal	PROPN
cjrl-2282	264	8	reserve	reserve	PROPN
cjrl-2282	264	9	system	system	NOUN
cjrl-2282	264	10	believed	believe	VERB
cjrl-2282	264	11	that	that	SCONJ
cjrl-2282	264	12	transportation	transportation	NOUN
cjrl-2282	264	13	float	float	NOUN
cjrl-2282	264	14	caused	cause	VERB
cjrl-2282	264	15	by	by	ADP
cjrl-2282	264	16	remote	remote	ADJ
cjrl-2282	264	17	disbursement	disbursement	NOUN
cjrl-2282	264	18	had	have	AUX
cjrl-2282	264	19	become	become	VERB
cjrl-2282	264	20	a	a	DET
cjrl-2282	264	21	serious	serious	ADJ
cjrl-2282	264	22	problem	problem	NOUN
cjrl-2282	264	23	,	,	PUNCT
cjrl-2282	264	24	and	and	CCONJ
cjrl-2282	264	25	issued	issue	VERB
cjrl-2282	264	26	a	a	DET
cjrl-2282	264	27	policy	policy	NOUN
cjrl-2282	264	28	statement	statement	NOUN
cjrl-2282	264	29	in	in	ADP
cjrl-2282	264	30	early	early	ADJ
cjrl-2282	264	31	1979	1979	NUM
cjrl-2282	264	32	to	to	PART
cjrl-2282	264	33	discourage	discourage	VERB
cjrl-2282	264	34	the	the	DET
cjrl-2282	264	35	practice	practice	NOUN
cjrl-2282	264	36	.	.	PUNCT
cjrl-2282	265	1	as	as	ADP
cjrl-2282	265	2	part	part	NOUN
cjrl-2282	265	3	of	of	ADP
cjrl-2282	265	4	the	the	DET
cjrl-2282	265	5	monetary	monetary	ADJ
cjrl-2282	265	6	control	control	PROPN
cjrl-2282	265	7	act	act	PROPN
cjrl-2282	265	8	of	of	ADP
cjrl-2282	265	9	1980s	1980s	NUM
cjrl-2282	265	10	,	,	PUNCT
cjrl-2282	265	11	the	the	DET
cjrl-2282	265	12	federal	federal	PROPN
cjrl-2282	265	13	reserve	reserve	NOUN
cjrl-2282	265	14	system	system	NOUN
cjrl-2282	265	15	was	be	AUX
cjrl-2282	265	16	instructed	instruct	VERB
cjrl-2282	265	17	to	to	PART
cjrl-2282	265	18	charge	charge	VERB
cjrl-2282	265	19	banks	bank	NOUN
cjrl-2282	265	20	for	for	ADP
cjrl-2282	265	21	float	float	NOUN
cjrl-2282	265	22	.	.	PUNCT
cjrl-2282	266	1	as	as	ADP
cjrl-2282	266	2	a	a	DET
cjrl-2282	266	3	result	result	NOUN
cjrl-2282	266	4	of	of	ADP
cjrl-2282	266	5	this	this	DET
cjrl-2282	266	6	legislation	legislation	NOUN
cjrl-2282	266	7	and	and	CCONJ
cjrl-2282	266	8	greatly	greatly	ADV
cjrl-2282	266	9	improved	improve	VERB
cjrl-2282	266	10	check	check	NOUN
cjrl-2282	266	11	processing	processing	NOUN
cjrl-2282	266	12	efficiency	efficiency	NOUN
cjrl-2282	266	13	,	,	PUNCT
cjrl-2282	266	14	float	float	NOUN
cjrl-2282	266	15	was	be	AUX
cjrl-2282	266	16	reduced	reduce	VERB
cjrl-2282	266	17	to	to	ADP
cjrl-2282	266	18	a	a	DET
cjrl-2282	266	19	daily	daily	ADJ
cjrl-2282	266	20	average	average	NOUN
cjrl-2282	266	21	of	of	ADP
cjrl-2282	266	22	$	$	SYM
cjrl-2282	266	23	2.5	2.5	NUM
cjrl-2282	266	24	billion	billion	NUM
cjrl-2282	266	25	in	in	ADP
cjrl-2282	266	26	1982	1982	NUM
cjrl-2282	266	27	,	,	PUNCT
cjrl-2282	266	28	down	down	ADV
cjrl-2282	266	29	about	about	ADV
cjrl-2282	266	30	60	60	NUM
cjrl-2282	266	31	percent	percent	NOUN
cjrl-2282	266	32	(	(	PUNCT
cjrl-2282	266	33	in	in	ADP
cjrl-2282	266	34	nominal	nominal	ADJ
cjrl-2282	266	35	terms	term	NOUN
cjrl-2282	266	36	)	)	PUNCT
cjrl-2282	266	37	from	from	ADP
cjrl-2282	266	38	the	the	DET
cjrl-2282	266	39	1979	1979	NUM
cjrl-2282	266	40	level	level	NOUN
cjrl-2282	266	41	.	.	PUNCT
cjrl-2282	267	1	to	to	PART
cjrl-2282	267	2	reduce	reduce	VERB
cjrl-2282	267	3	float	float	NOUN
cjrl-2282	267	4	further	far	ADV
cjrl-2282	267	5	,	,	PUNCT
cjrl-2282	267	6	the	the	DET
cjrl-2282	267	7	federal	federal	PROPN
cjrl-2282	267	8	reserve	reserve	PROPN
cjrl-2282	267	9	implemented	implement	VERB
cjrl-2282	267	10	procedural	procedural	ADJ
cjrl-2282	267	11	changes	change	NOUN
cjrl-2282	267	12	in	in	ADP
cjrl-2282	267	13	the	the	DET
cjrl-2282	267	14	1980s	1980s	NUM
cjrl-2282	267	15	.	.	PUNCT
cjrl-2282	268	1	among	among	ADP
cjrl-2282	268	2	these	these	DET
cjrl-2282	268	3	changes	change	NOUN
cjrl-2282	268	4	was	be	AUX
cjrl-2282	268	5	the	the	DET
cjrl-2282	268	6	establishment	establishment	NOUN
cjrl-2282	268	7	of	of	ADP
cjrl-2282	268	8	a	a	DET
cjrl-2282	268	9	nationwide	nationwide	ADJ
cjrl-2282	268	10	noon	noon	NOUN
cjrl-2282	268	11	-	-	PUNCT
cjrl-2282	268	12	presentment	presentment	NOUN
cjrl-2282	268	13	policy	policy	NOUN
cjrl-2282	268	14	in	in	ADP
cjrl-2282	268	15	1983	1983	NUM
cjrl-2282	268	16	that	that	PRON
cjrl-2282	268	17	allowed	allow	VERB
cjrl-2282	268	18	later	later	ADJ
cjrl-2282	268	19	delivery	delivery	NOUN
cjrl-2282	268	20	of	of	ADP
cjrl-2282	268	21	checks	check	NOUN
cjrl-2282	268	22	to	to	ADP
cjrl-2282	268	23	banks	bank	NOUN
cjrl-2282	268	24	in	in	ADP
cjrl-2282	268	25	cities	city	NOUN
cjrl-2282	268	26	with	with	ADP
cjrl-2282	268	27	federal	federal	PROPN
cjrl-2282	268	28	reserve	reserve	PROPN
cjrl-2282	268	29	check	check	NOUN
cjrl-2282	268	30	-	-	PUNCT
cjrl-2282	268	31	processing	process	VERB
cjrl-2282	268	32	offices	office	NOUN
cjrl-2282	268	33	.	.	PUNCT
cjrl-2282	269	1	this	this	DET
cjrl-2282	269	2	policy	policy	NOUN
cjrl-2282	269	3	also	also	ADV
cjrl-2282	269	4	applied	apply	VERB
cjrl-2282	269	5	to	to	ADP
cjrl-2282	269	6	high	high	ADJ
cjrl-2282	269	7	-	-	PUNCT
cjrl-2282	269	8	volume	volume	NOUN
cjrl-2282	269	9	institutions	institution	NOUN
cjrl-2282	269	10	in	in	ADP
cjrl-2282	269	11	more	more	ADJ
cjrl-2282	269	12	remote	remote	ADJ
cjrl-2282	269	13	areas	area	NOUN
cjrl-2282	269	14	that	that	PRON
cjrl-2282	269	15	had	have	VERB
cjrl-2282	269	16	access	access	NOUN
cjrl-2282	269	17	to	to	ADP
cjrl-2282	269	18	regional	regional	ADJ
cjrl-2282	269	19	check	check	NOUN
cjrl-2282	269	20	processing	processing	NOUN
cjrl-2282	269	21	centers	center	NOUN
cjrl-2282	269	22	.	.	PUNCT
cjrl-2282	270	1	these	these	DET
cjrl-2282	270	2	actions	action	NOUN
cjrl-2282	270	3	significantly	significantly	ADV
cjrl-2282	270	4	increased	increase	VERB
cjrl-2282	270	5	the	the	DET
cjrl-2282	270	6	number	number	NOUN
cjrl-2282	270	7	of	of	ADP
cjrl-2282	270	8	checks	check	NOUN
cjrl-2282	270	9	that	that	PRON
cjrl-2282	270	10	could	could	AUX
cjrl-2282	270	11	be	be	AUX
cjrl-2282	270	12	collected	collect	VERB
cjrl-2282	270	13	overnight	overnight	ADV
cjrl-2282	270	14	,	,	PUNCT
cjrl-2282	270	15	speeding	speed	VERB
cjrl-2282	270	16	the	the	DET
cjrl-2282	270	17	clearing	clearing	NOUN
cjrl-2282	270	18	process	process	NOUN
cjrl-2282	270	19	and	and	CCONJ
cjrl-2282	270	20	reducing	reduce	VERB
cjrl-2282	270	21	float	float	NOUN
cjrl-2282	270	22	.	.	PUNCT
cjrl-2282	271	1	by	by	ADP
cjrl-2282	271	2	1985	1985	NUM
cjrl-2282	271	3	,	,	PUNCT
cjrl-2282	271	4	float	float	NOUN
cjrl-2282	271	5	was	be	AUX
cjrl-2282	271	6	reduced	reduce	VERB
cjrl-2282	271	7	to	to	ADP
cjrl-2282	271	8	a	a	DET
cjrl-2282	271	9	daily	daily	ADJ
cjrl-2282	271	10	average	average	NOUN
cjrl-2282	271	11	of	of	ADP
cjrl-2282	271	12	$	$	SYM
cjrl-2282	271	13	820	820	NUM
cjrl-2282	271	14	million	million	NUM
cjrl-2282	271	15	,	,	PUNCT
cjrl-2282	271	16	down	down	ADV
cjrl-2282	271	17	almost	almost	ADV
cjrl-2282	271	18	90	90	NUM
cjrl-2282	271	19	percent	percent	NOUN
cjrl-2282	271	20	from	from	ADP
cjrl-2282	271	21	its	its	PRON
cjrl-2282	271	22	1979	1979	NUM
cjrl-2282	271	23	level	level	NOUN
cjrl-2282	271	24	.	.	PUNCT
cjrl-2282	272	1	the	the	DET
cjrl-2282	272	2	amount	amount	NOUN
cjrl-2282	272	3	of	of	ADP
cjrl-2282	272	4	float	float	NOUN
cjrl-2282	272	5	averaged	average	VERB
cjrl-2282	272	6	$	$	SYM
cjrl-2282	272	7	860	860	NUM
cjrl-2282	272	8	million	million	NUM
cjrl-2282	272	9	through	through	ADP
cjrl-2282	272	10	the	the	DET
cjrl-2282	272	11	rest	rest	NOUN
cjrl-2282	272	12	of	of	ADP
cjrl-2282	272	13	the	the	DET
cjrl-2282	272	14	1980s	1980s	NUM
cjrl-2282	272	15	.	.	PUNCT
cjrl-2282	273	1	developments	development	NOUN
cjrl-2282	273	2	in	in	ADP
cjrl-2282	273	3	the	the	DET
cjrl-2282	273	4	1990s	1990	NOUN
cjrl-2282	273	5	in	in	ADP
cjrl-2282	273	6	the	the	DET
cjrl-2282	273	7	1990s	1990	NOUN
cjrl-2282	273	8	,	,	PUNCT
cjrl-2282	273	9	float	float	NOUN
cjrl-2282	273	10	has	have	AUX
cjrl-2282	273	11	decreased	decrease	VERB
cjrl-2282	273	12	further	far	ADV
cjrl-2282	273	13	.	.	PUNCT
cjrl-2282	274	1	one	one	NUM
cjrl-2282	274	2	reason	reason	NOUN
cjrl-2282	274	3	is	be	AUX
cjrl-2282	274	4	that	that	SCONJ
cjrl-2282	274	5	fewer	few	ADJ
cjrl-2282	274	6	paper	paper	NOUN
cjrl-2282	274	7	checks	check	NOUN
cjrl-2282	274	8	are	be	AUX
cjrl-2282	274	9	being	be	AUX
cjrl-2282	274	10	sent	send	VERB
cjrl-2282	274	11	to	to	ADP
cjrl-2282	274	12	the	the	DET
cjrl-2282	274	13	federal	federal	PROPN
cjrl-2282	274	14	reserve	reserve	PROPN
cjrl-2282	274	15	,	,	PUNCT
cjrl-2282	274	16	reducing	reduce	VERB
cjrl-2282	274	17	holdover	holdover	ADJ
cjrl-2282	274	18	float	float	NOUN
cjrl-2282	274	19	.	.	PUNCT
cjrl-2282	275	1	the	the	DET
cjrl-2282	275	2	number	number	NOUN
cjrl-2282	275	3	of	of	ADP
cjrl-2282	275	4	checks	check	NOUN
cjrl-2282	275	5	processed	process	VERB
cjrl-2282	275	6	by	by	ADP
cjrl-2282	275	7	the	the	DET
cjrl-2282	275	8	federal	federal	PROPN
cjrl-2282	275	9	reserve	reserve	PROPN
cjrl-2282	275	10	decreased	decrease	VERB
cjrl-2282	275	11	from	from	ADP
cjrl-2282	275	12	19	19	NUM
cjrl-2282	275	13	to	to	PART
cjrl-2282	275	14	15.5	15.5	NUM
cjrl-2282	275	15	billion	billion	NUM
cjrl-2282	275	16	between	between	ADP
cjrl-2282	275	17	1993	1993	NUM
cjrl-2282	275	18	and	and	CCONJ
cjrl-2282	275	19	1995	1995	NUM
cjrl-2282	275	20	.	.	PUNCT
cjrl-2282	276	1	the	the	DET
cjrl-2282	276	2	number	number	NOUN
cjrl-2282	276	3	of	of	ADP
cjrl-2282	276	4	checks	check	NOUN
cjrl-2282	276	5	processed	process	VERB
cjrl-2282	276	6	in	in	ADP
cjrl-2282	276	7	the	the	DET
cjrl-2282	276	8	united	united	PROPN
cjrl-2282	276	9	states	states	PROPN
cjrl-2282	276	10	continues	continue	VERB
cjrl-2282	276	11	to	to	PART
cjrl-2282	276	12	decrease	decrease	VERB
cjrl-2282	276	13	,	,	PUNCT
cjrl-2282	276	14	due	due	ADJ
cjrl-2282	276	15	largely	largely	ADV
cjrl-2282	276	16	to	to	ADP
cjrl-2282	276	17	the	the	DET
cjrl-2282	276	18	rapid	rapid	ADJ
cjrl-2282	276	19	growth	growth	NOUN
cjrl-2282	276	20	in	in	ADP
cjrl-2282	276	21	electronic	electronic	ADJ
cjrl-2282	276	22	payments	payment	NOUN
cjrl-2282	276	23	.	.	PUNCT
cjrl-2282	277	1	for	for	ADP
cjrl-2282	277	2	example	example	NOUN
cjrl-2282	277	3	,	,	PUNCT
cjrl-2282	277	4	many	many	ADJ
cjrl-2282	277	5	employers	employer	NOUN
cjrl-2282	277	6	now	now	ADV
cjrl-2282	277	7	offer	offer	VERB
cjrl-2282	277	8	direct	direct	ADJ
cjrl-2282	277	9	deposit	deposit	NOUN
cjrl-2282	277	10	of	of	ADP
cjrl-2282	277	11	paychecks	paycheck	NOUN
cjrl-2282	277	12	to	to	ADP
cjrl-2282	277	13	their	their	PRON
cjrl-2282	277	14	employees	employee	NOUN
cjrl-2282	277	15	,	,	PUNCT
cjrl-2282	277	16	speeding	speed	VERB
cjrl-2282	277	17	payment	payment	NOUN
cjrl-2282	277	18	and	and	CCONJ
cjrl-2282	277	19	reducing	reduce	VERB
cjrl-2282	277	20	float	float	NOUN
cjrl-2282	277	21	.	.	PUNCT
cjrl-2282	278	1	also	also	ADV
cjrl-2282	278	2	,	,	PUNCT
cjrl-2282	278	3	the	the	DET
cjrl-2282	278	4	federal	federal	PROPN
cjrl-2282	278	5	reserve	reserve	PROPN
cjrl-2282	278	6	has	have	AUX
cjrl-2282	278	7	been	be	AUX
cjrl-2282	278	8	installing	instal	VERB
cjrl-2282	278	9	new	new	ADJ
cjrl-2282	278	10	technology	technology	NOUN
cjrl-2282	278	11	since	since	SCONJ
cjrl-2282	278	12	the	the	DET
cjrl-2282	278	13	1980s	1980	NOUN
cjrl-2282	278	14	to	to	PART
cjrl-2282	278	15	reduce	reduce	VERB
cjrl-2282	278	16	transportation	transportation	NOUN
cjrl-2282	278	17	float	float	NOUN
cjrl-2282	278	18	.	.	PUNCT
cjrl-2282	279	1	instead	instead	ADV
cjrl-2282	279	2	of	of	ADP
cjrl-2282	279	3	having	have	VERB
cjrl-2282	279	4	their	their	PRON
cjrl-2282	279	5	accounts	account	NOUN
cjrl-2282	279	6	debited	debit	VERB
cjrl-2282	279	7	upon	upon	SCONJ
cjrl-2282	279	8	the	the	DET
cjrl-2282	279	9	physical	physical	ADJ
cjrl-2282	279	10	return	return	NOUN
cjrl-2282	279	11	of	of	ADP
cjrl-2282	279	12	checks	check	NOUN
cjrl-2282	279	13	,	,	PUNCT
cjrl-2282	279	14	paying	pay	VERB
cjrl-2282	279	15	banks	bank	NOUN
cjrl-2282	279	16	have	have	VERB
cjrl-2282	279	17	the	the	DET
cjrl-2282	279	18	option	option	NOUN
cjrl-2282	279	19	of	of	ADP
cjrl-2282	279	20	having	have	VERB
cjrl-2282	279	21	their	their	PRON
cjrl-2282	279	22	checks	check	NOUN
cjrl-2282	279	23	scanned	scan	VERB
cjrl-2282	279	24	and	and	CCONJ
cjrl-2282	279	25	converted	convert	VERB
cjrl-2282	279	26	into	into	ADP
cjrl-2282	279	27	electronic	electronic	ADJ
cjrl-2282	279	28	presentments	presentment	NOUN
cjrl-2282	279	29	at	at	ADP
cjrl-2282	279	30	the	the	DET
cjrl-2282	279	31	federal	federal	PROPN
cjrl-2282	279	32	reserve	reserve	PROPN
cjrl-2282	279	33	.	.	PUNCT
cjrl-2282	280	1	the	the	DET
cjrl-2282	280	2	electronic	electronic	ADJ
cjrl-2282	280	3	presentments	presentment	NOUN
cjrl-2282	280	4	are	be	AUX
cjrl-2282	280	5	transmitted	transmit	VERB
cjrl-2282	280	6	from	from	ADP
cjrl-2282	280	7	the	the	DET
cjrl-2282	280	8	federal	federal	PROPN
cjrl-2282	280	9	reserve	reserve	PROPN
cjrl-2282	280	10	to	to	ADP
cjrl-2282	280	11	the	the	DET
cjrl-2282	280	12	paying	pay	VERB
cjrl-2282	280	13	banks	bank	NOUN
cjrl-2282	280	14	,	,	PUNCT
cjrl-2282	280	15	and	and	CCONJ
cjrl-2282	280	16	accounts	account	NOUN
cjrl-2282	280	17	are	be	AUX
cjrl-2282	280	18	debited	debit	VERB
cjrl-2282	280	19	more	more	ADV
cjrl-2282	280	20	quickly	quickly	ADV
cjrl-2282	280	21	.	.	PUNCT
cjrl-2282	281	1	the	the	DET
cjrl-2282	281	2	federal	federal	PROPN
cjrl-2282	281	3	reserve	reserve	PROPN
cjrl-2282	281	4	is	be	AUX
cjrl-2282	281	5	84	84	NUM
cjrl-2282	281	6	checking	check	VERB
cjrl-2282	281	7	out	out	ADP
cjrl-2282	281	8	the	the	DET
cjrl-2282	281	9	exception	exception	NOUN
cjrl-2282	281	10	to	to	ADP
cjrl-2282	281	11	3	3	NUM
cjrl-2282	281	12	-	-	SYM
cjrl-2282	281	13	104	104	NUM
cjrl-2282	281	14	vol	vol	NOUN
cjrl-2282	281	15	.	.	PUNCT
cjrl-2282	281	16	3:1	3:1	NUM
cjrl-2282	281	17	of	of	ADP
cjrl-2282	281	18	check	check	NOUN
cjrl-2282	281	19	21	21	NUM
cjrl-2282	281	20	about	about	ADP
cjrl-2282	281	21	the	the	DET
cjrl-2282	281	22	potential	potential	ADJ
cjrl-2282	281	23	dangers	danger	NOUN
cjrl-2282	281	24	that	that	SCONJ
cjrl-2282	281	25	it	it	PRON
cjrl-2282	281	26	would	would	AUX
cjrl-2282	281	27	pose	pose	VERB
cjrl-2282	281	28	for	for	ADP
cjrl-2282	281	29	consumers.45	consumers.45	NOUN
cjrl-2282	281	30	one	one	NUM
cjrl-2282	281	31	such	such	ADJ
cjrl-2282	281	32	fear	fear	NOUN
cjrl-2282	281	33	was	be	AUX
cjrl-2282	281	34	that	that	SCONJ
cjrl-2282	281	35	the	the	DET
cjrl-2282	281	36	loss	loss	NOUN
cjrl-2282	281	37	of	of	ADP
cjrl-2282	281	38	float	float	NOUN
cjrl-2282	281	39	would	would	AUX
cjrl-2282	281	40	result	result	VERB
cjrl-2282	281	41	in	in	ADP
cjrl-2282	281	42	more	more	ADJ
cjrl-2282	281	43	returned	return	VERB
cjrl-2282	281	44	checks	check	NOUN
cjrl-2282	281	45	and	and	CCONJ
cjrl-2282	281	46	thus	thus	ADV
cjrl-2282	281	47	more	more	ADJ
cjrl-2282	281	48	overdraft	overdraft	NOUN
cjrl-2282	281	49	fees	fee	NOUN
cjrl-2282	281	50	.	.	PUNCT
cjrl-2282	282	1	it	it	PRON
cjrl-2282	282	2	was	be	AUX
cjrl-2282	282	3	estimated	estimate	VERB
cjrl-2282	282	4	that	that	SCONJ
cjrl-2282	282	5	by	by	ADP
cjrl-2282	282	6	mid-2005	mid-2005	NOUN
cjrl-2282	282	7	,	,	PUNCT
cjrl-2282	282	8	consumers	consumer	NOUN
cjrl-2282	282	9	could	could	AUX
cjrl-2282	282	10	be	be	AUX
cjrl-2282	282	11	bouncing	bounce	VERB
cjrl-2282	282	12	seven	seven	NUM
cjrl-2282	282	13	million	million	NUM
cjrl-2282	282	14	more	more	ADJ
cjrl-2282	282	15	checks	check	NOUN
cjrl-2282	282	16	and	and	CCONJ
cjrl-2282	282	17	paying	pay	VERB
cjrl-2282	282	18	$	$	SYM
cjrl-2282	282	19	170	170	NUM
cjrl-2282	282	20	million	million	NUM
cjrl-2282	282	21	more	more	ADJ
cjrl-2282	282	22	in	in	ADP
cjrl-2282	282	23	fees.46	fees.46	PROPN
cjrl-2282	282	24	a	a	DET
cjrl-2282	282	25	survey	survey	NOUN
cjrl-2282	282	26	suggested	suggest	VERB
cjrl-2282	282	27	eight	eight	NUM
cjrl-2282	282	28	percent	percent	NOUN
cjrl-2282	282	29	of	of	ADP
cjrl-2282	282	30	consumers	consumer	NOUN
cjrl-2282	282	31	wrote	write	VERB
cjrl-2282	282	32	checks	check	NOUN
cjrl-2282	282	33	“	"	PUNCT
cjrl-2282	282	34	because	because	SCONJ
cjrl-2282	282	35	they	they	PRON
cjrl-2282	282	36	like	like	VERB
cjrl-2282	282	37	the	the	DET
cjrl-2282	282	38	float	float	NOUN
cjrl-2282	282	39	.	.	PUNCT
cjrl-2282	283	1	”47	”47	PROPN
cjrl-2282	284	1	this	this	DET
cjrl-2282	284	2	data	datum	NOUN
cjrl-2282	284	3	suggested	suggest	VERB
cjrl-2282	284	4	that	that	SCONJ
cjrl-2282	284	5	consumers	consumer	NOUN
cjrl-2282	284	6	liked	liked	AUX
cjrl-2282	284	7	float	float	VERB
cjrl-2282	284	8	just	just	ADV
cjrl-2282	284	9	as	as	ADV
cjrl-2282	284	10	much	much	ADJ
cjrl-2282	284	11	as	as	SCONJ
cjrl-2282	284	12	the	the	DET
cjrl-2282	284	13	banks	bank	NOUN
cjrl-2282	284	14	did	do	VERB
cjrl-2282	284	15	.	.	PUNCT
cjrl-2282	285	1	the	the	DET
cjrl-2282	285	2	recent	recent	ADJ
cjrl-2282	285	3	growth	growth	NOUN
cjrl-2282	285	4	in	in	ADP
cjrl-2282	285	5	risky	risky	ADJ
cjrl-2282	285	6	behavior	behavior	NOUN
cjrl-2282	285	7	among	among	ADP
cjrl-2282	285	8	consumers	consumer	NOUN
cjrl-2282	285	9	is	be	AUX
cjrl-2282	285	10	confirmation	confirmation	NOUN
cjrl-2282	285	11	of	of	ADP
cjrl-2282	285	12	the	the	DET
cjrl-2282	285	13	dangers	danger	NOUN
cjrl-2282	285	14	associated	associate	VERB
cjrl-2282	285	15	with	with	ADP
cjrl-2282	285	16	the	the	DET
cjrl-2282	285	17	loss	loss	NOUN
cjrl-2282	285	18	of	of	ADP
cjrl-2282	285	19	float	float	NOUN
cjrl-2282	285	20	that	that	PRON
cjrl-2282	285	21	was	be	AUX
cjrl-2282	285	22	in	in	ADP
cjrl-2282	285	23	the	the	DET
cjrl-2282	285	24	system	system	NOUN
cjrl-2282	285	25	prior	prior	ADV
cjrl-2282	285	26	to	to	ADP
cjrl-2282	285	27	the	the	DET
cjrl-2282	285	28	enactment	enactment	NOUN
cjrl-2282	285	29	of	of	ADP
cjrl-2282	285	30	check	check	NOUN
cjrl-2282	285	31	21	21	NUM
cjrl-2282	285	32	and	and	CCONJ
cjrl-2282	285	33	the	the	DET
cjrl-2282	285	34	regulation	regulation	NOUN
cjrl-2282	285	35	cc	cc	PROPN
cjrl-2282	285	36	.	.	PROPN
cjrl-2282	285	37	news	news	NOUN
cjrl-2282	285	38	coverage	coverage	NOUN
cjrl-2282	285	39	during	during	ADP
cjrl-2282	285	40	the	the	DET
cjrl-2282	285	41	economic	economic	ADJ
cjrl-2282	285	42	downturn	downturn	NOUN
cjrl-2282	285	43	beginning	begin	VERB
cjrl-2282	285	44	in	in	ADP
cjrl-2282	285	45	2008	2008	NUM
cjrl-2282	285	46	brings	bring	VERB
cjrl-2282	285	47	this	this	DET
cjrl-2282	285	48	mind	mind	NOUN
cjrl-2282	285	49	as	as	ADP
cjrl-2282	285	50	much	much	ADJ
cjrl-2282	285	51	has	have	AUX
cjrl-2282	285	52	been	be	AUX
cjrl-2282	285	53	made	make	VERB
cjrl-2282	285	54	in	in	ADP
cjrl-2282	285	55	the	the	DET
cjrl-2282	285	56	media	medium	NOUN
cjrl-2282	285	57	of	of	ADP
cjrl-2282	285	58	the	the	DET
cjrl-2282	285	59	dramatic	dramatic	ADJ
cjrl-2282	285	60	increases	increase	NOUN
cjrl-2282	285	61	in	in	ADP
cjrl-2282	285	62	unaffordable	unaffordable	ADJ
cjrl-2282	285	63	mortgage	mortgage	NOUN
cjrl-2282	285	64	debt	debt	NOUN
cjrl-2282	285	65	,	,	PUNCT
cjrl-2282	285	66	payday	payday	NOUN
cjrl-2282	285	67	loans	loan	NOUN
cjrl-2282	285	68	,	,	PUNCT
cjrl-2282	285	69	and	and	CCONJ
cjrl-2282	285	70	other	other	ADJ
cjrl-2282	285	71	high	high	ADJ
cjrl-2282	285	72	risk	risk	NOUN
cjrl-2282	285	73	behaviors	behavior	NOUN
cjrl-2282	285	74	that	that	PRON
cjrl-2282	285	75	consumers	consumer	NOUN
cjrl-2282	285	76	have	have	AUX
cjrl-2282	285	77	been	be	AUX
cjrl-2282	285	78	undertaking	undertake	VERB
cjrl-2282	285	79	.	.	PUNCT
cjrl-2282	286	1	the	the	DET
cjrl-2282	286	2	primary	primary	ADJ
cjrl-2282	286	3	thesis	thesis	NOUN
cjrl-2282	286	4	of	of	ADP
cjrl-2282	286	5	this	this	DET
cjrl-2282	286	6	article	article	NOUN
cjrl-2282	286	7	is	be	AUX
cjrl-2282	286	8	that	that	SCONJ
cjrl-2282	286	9	many	many	ADJ
cjrl-2282	286	10	of	of	ADP
cjrl-2282	286	11	these	these	DET
cjrl-2282	286	12	risky	risky	ADJ
cjrl-2282	286	13	behaviors	behavior	NOUN
cjrl-2282	286	14	are	be	AUX
cjrl-2282	286	15	the	the	DET
cjrl-2282	286	16	result	result	NOUN
cjrl-2282	286	17	of	of	ADP
cjrl-2282	286	18	regulation	regulation	NOUN
cjrl-2282	286	19	cc	cc	PROPN
cjrl-2282	286	20	.	.	PUNCT
cjrl-2282	286	21	upon	upon	SCONJ
cjrl-2282	286	22	losing	lose	VERB
cjrl-2282	286	23	the	the	DET
cjrl-2282	286	24	time	time	NOUN
cjrl-2282	286	25	previously	previously	ADV
cjrl-2282	286	26	built	build	VERB
cjrl-2282	286	27	into	into	ADP
cjrl-2282	286	28	the	the	DET
cjrl-2282	286	29	cumbersome	cumbersome	ADJ
cjrl-2282	286	30	and	and	CCONJ
cjrl-2282	286	31	slow	slow	ADJ
cjrl-2282	286	32	check	check	NOUN
cjrl-2282	286	33	collection	collection	NOUN
cjrl-2282	286	34	process	process	NOUN
cjrl-2282	286	35	,	,	PUNCT
cjrl-2282	286	36	consumers	consumer	NOUN
cjrl-2282	286	37	—	—	PUNCT
cjrl-2282	286	38	especially	especially	ADV
cjrl-2282	286	39	those	those	PRON
cjrl-2282	286	40	who	who	PRON
cjrl-2282	286	41	had	have	VERB
cjrl-2282	286	42	fewer	few	ADJ
cjrl-2282	286	43	viable	viable	ADJ
cjrl-2282	286	44	alternatives	alternative	NOUN
cjrl-2282	286	45	—	—	PUNCT
cjrl-2282	286	46	began	begin	VERB
cjrl-2282	286	47	seeking	seek	VERB
cjrl-2282	286	48	alternative	alternative	ADJ
cjrl-2282	286	49	sources	source	NOUN
cjrl-2282	286	50	of	of	ADP
cjrl-2282	286	51	cash	cash	NOUN
cjrl-2282	286	52	to	to	PART
cjrl-2282	286	53	address	address	VERB
cjrl-2282	286	54	the	the	DET
cjrl-2282	286	55	impact	impact	NOUN
cjrl-2282	286	56	of	of	ADP
cjrl-2282	286	57	the	the	DET
cjrl-2282	286	58	loss	loss	NOUN
cjrl-2282	286	59	of	of	ADP
cjrl-2282	286	60	check	check	NOUN
cjrl-2282	286	61	transaction	transaction	NOUN
cjrl-2282	286	62	float	float	VERB
cjrl-2282	286	63	on	on	ADP
cjrl-2282	286	64	their	their	PRON
cjrl-2282	286	65	ability	ability	NOUN
cjrl-2282	286	66	to	to	PART
cjrl-2282	286	67	manage	manage	VERB
cjrl-2282	286	68	their	their	PRON
cjrl-2282	286	69	scarce	scarce	ADJ
cjrl-2282	286	70	cash	cash	NOUN
cjrl-2282	286	71	resources	resource	NOUN
cjrl-2282	286	72	.	.	PUNCT
cjrl-2282	287	1	these	these	DET
cjrl-2282	287	2	alternative	alternative	ADJ
cjrl-2282	287	3	sources	source	NOUN
cjrl-2282	287	4	are	be	AUX
cjrl-2282	287	5	more	more	ADV
cjrl-2282	287	6	expensive	expensive	ADJ
cjrl-2282	287	7	and	and	CCONJ
cjrl-2282	287	8	thus	thus	ADV
cjrl-2282	287	9	detrimental	detrimental	ADJ
cjrl-2282	287	10	to	to	ADP
cjrl-2282	287	11	poor	poor	ADJ
cjrl-2282	287	12	minority	minority	NOUN
cjrl-2282	287	13	consumers	consumer	NOUN
cjrl-2282	287	14	eliminating	eliminate	VERB
cjrl-2282	287	15	the	the	DET
cjrl-2282	287	16	relative	relative	ADJ
cjrl-2282	287	17	windfall	windfall	NOUN
cjrl-2282	287	18	they	they	PRON
cjrl-2282	287	19	enjoyed	enjoy	VERB
cjrl-2282	287	20	as	as	ADP
cjrl-2282	287	21	a	a	DET
cjrl-2282	287	22	result	result	NOUN
cjrl-2282	287	23	of	of	ADP
cjrl-2282	287	24	the	the	DET
cjrl-2282	287	25	“	"	PUNCT
cjrl-2282	287	26	transaction	transaction	NOUN
cjrl-2282	287	27	”	"	PUNCT
cjrl-2282	287	28	float	float	NOUN
cjrl-2282	287	29	that	that	PRON
cjrl-2282	287	30	was	be	AUX
cjrl-2282	287	31	built	build	VERB
cjrl-2282	287	32	into	into	ADP
cjrl-2282	287	33	the	the	DET
cjrl-2282	287	34	old	old	ADJ
cjrl-2282	287	35	system	system	NOUN
cjrl-2282	287	36	.	.	PUNCT
cjrl-2282	288	1	there	there	PRON
cjrl-2282	288	2	is	be	VERB
cjrl-2282	288	3	little	little	ADJ
cjrl-2282	288	4	doubt	doubt	NOUN
cjrl-2282	288	5	that	that	SCONJ
cjrl-2282	288	6	the	the	DET
cjrl-2282	288	7	primary	primary	ADJ
cjrl-2282	288	8	motive	motive	NOUN
cjrl-2282	288	9	for	for	ADP
cjrl-2282	288	10	federal	federal	ADJ
cjrl-2282	288	11	pre	pre	NOUN
cjrl-2282	288	12	-	-	NOUN
cjrl-2282	288	13	emption	emption	NOUN
cjrl-2282	288	14	of	of	ADP
cjrl-2282	288	15	traditional	traditional	ADJ
cjrl-2282	288	16	state	state	NOUN
cjrl-2282	288	17	governance	governance	NOUN
cjrl-2282	288	18	of	of	ADP
cjrl-2282	288	19	the	the	DET
cjrl-2282	288	20	check	check	NOUN
cjrl-2282	288	21	collection	collection	NOUN
cjrl-2282	288	22	process	process	NOUN
cjrl-2282	288	23	was	be	AUX
cjrl-2282	288	24	,	,	PUNCT
cjrl-2282	288	25	at	at	ADP
cjrl-2282	288	26	some	some	DET
cjrl-2282	288	27	level	level	NOUN
cjrl-2282	288	28	,	,	PUNCT
cjrl-2282	288	29	to	to	PART
cjrl-2282	288	30	protect	protect	VERB
cjrl-2282	288	31	consumers.48	consumers.48	NOUN
cjrl-2282	288	32	but	but	CCONJ
cjrl-2282	288	33	the	the	DET
cjrl-2282	288	34	reforms	reform	NOUN
cjrl-2282	288	35	are	be	AUX
cjrl-2282	288	36	problematic	problematic	ADJ
cjrl-2282	288	37	because	because	SCONJ
cjrl-2282	288	38	they	they	PRON
cjrl-2282	288	39	addressed	address	VERB
cjrl-2282	288	40	a	a	DET
cjrl-2282	288	41	problem	problem	NOUN
cjrl-2282	288	42	by	by	ADP
cjrl-2282	288	43	using	use	VERB
cjrl-2282	288	44	an	an	DET
cjrl-2282	288	45	approach	approach	NOUN
cjrl-2282	288	46	that	that	PRON
cjrl-2282	288	47	failed	fail	VERB
cjrl-2282	288	48	to	to	PART
cjrl-2282	288	49	anticipate	anticipate	VERB
cjrl-2282	288	50	the	the	DET
cjrl-2282	288	51	pressure	pressure	NOUN
cjrl-2282	288	52	they	they	PRON
cjrl-2282	288	53	would	would	AUX
cjrl-2282	288	54	place	place	VERB
cjrl-2282	288	55	on	on	ADP
cjrl-2282	288	56	consumers	consumer	NOUN
cjrl-2282	288	57	to	to	PART
cjrl-2282	288	58	seek	seek	VERB
cjrl-2282	288	59	alternative	alternative	ADJ
cjrl-2282	288	60	ways	way	NOUN
cjrl-2282	288	61	to	to	PART
cjrl-2282	288	62	manage	manage	VERB
cjrl-2282	288	63	their	their	PRON
cjrl-2282	288	64	cash	cash	NOUN
cjrl-2282	288	65	.	.	PUNCT
cjrl-2282	289	1	in	in	ADP
cjrl-2282	289	2	particular	particular	ADJ
cjrl-2282	289	3	,	,	PUNCT
cjrl-2282	289	4	the	the	DET
cjrl-2282	289	5	reforms	reform	NOUN
cjrl-2282	289	6	reflect	reflect	VERB
cjrl-2282	289	7	an	an	DET
cjrl-2282	289	8	apparent	apparent	ADJ
cjrl-2282	289	9	failure	failure	NOUN
cjrl-2282	289	10	on	on	ADP
cjrl-2282	289	11	the	the	DET
cjrl-2282	289	12	part	part	NOUN
cjrl-2282	289	13	of	of	ADP
cjrl-2282	289	14	both	both	DET
cjrl-2282	289	15	congress	congress	PROPN
cjrl-2282	289	16	and	and	CCONJ
cjrl-2282	289	17	the	the	DET
cjrl-2282	289	18	federal	federal	PROPN
cjrl-2282	289	19	reserve	reserve	PROPN
cjrl-2282	289	20	governing	govern	VERB
cjrl-2282	289	21	board	board	NOUN
cjrl-2282	289	22	to	to	PART
cjrl-2282	289	23	fully	fully	ADV
cjrl-2282	289	24	consider	consider	VERB
cjrl-2282	289	25	all	all	PRON
cjrl-2282	289	26	of	of	ADP
cjrl-2282	289	27	the	the	DET
cjrl-2282	289	28	implications	implication	NOUN
cjrl-2282	289	29	of	of	ADP
cjrl-2282	289	30	speeding	speed	VERB
cjrl-2282	289	31	up	up	ADP
cjrl-2282	289	32	the	the	DET
cjrl-2282	289	33	check	check	NOUN
cjrl-2282	289	34	collection	collection	NOUN
cjrl-2282	289	35	timing	timing	NOUN
cjrl-2282	289	36	rules	rule	NOUN
cjrl-2282	289	37	.	.	PUNCT
cjrl-2282	290	1	certainly	certainly	ADV
cjrl-2282	290	2	,	,	PUNCT
cjrl-2282	290	3	there	there	PRON
cjrl-2282	290	4	is	be	VERB
cjrl-2282	290	5	no	no	DET
cjrl-2282	290	6	evidence	evidence	NOUN
cjrl-2282	290	7	that	that	SCONJ
cjrl-2282	290	8	any	any	DET
cjrl-2282	290	9	affirmative	affirmative	ADJ
cjrl-2282	290	10	steps	step	NOUN
cjrl-2282	290	11	were	be	AUX
cjrl-2282	290	12	taken	take	VERB
cjrl-2282	290	13	by	by	ADP
cjrl-2282	290	14	either	either	CCONJ
cjrl-2282	290	15	congress	congress	PROPN
cjrl-2282	290	16	or	or	CCONJ
cjrl-2282	290	17	the	the	DET
cjrl-2282	290	18	fed	fed	PROPN
cjrl-2282	290	19	to	to	PART
cjrl-2282	290	20	more	more	ADV
cjrl-2282	290	21	completely	completely	ADV
cjrl-2282	290	22	protect	protect	VERB
cjrl-2282	290	23	consumers	consumer	NOUN
cjrl-2282	290	24	with	with	ADP
cjrl-2282	290	25	easy	easy	ADJ
cjrl-2282	290	26	access	access	NOUN
cjrl-2282	290	27	to	to	ADP
cjrl-2282	290	28	a	a	DET
cjrl-2282	290	29	mainstream	mainstream	NOUN
cjrl-2282	290	30	alternative	alternative	NOUN
cjrl-2282	290	31	to	to	PART
cjrl-2282	290	32	replace	replace	VERB
cjrl-2282	290	33	the	the	DET
cjrl-2282	290	34	old	old	ADJ
cjrl-2282	290	35	slow	slow	ADJ
cjrl-2282	290	36	-	-	PUNCT
cjrl-2282	290	37	to	to	PART
cjrl-2282	290	38	-	-	PUNCT
cjrl-2282	290	39	be	be	AUX
cjrl-2282	290	40	-	-	PUNCT
cjrl-2282	290	41	collected	collect	VERB
cjrl-2282	290	42	check	check	NOUN
cjrl-2282	290	43	.	.	PUNCT
cjrl-2282	291	1	consumers	consumer	NOUN
cjrl-2282	291	2	prefer	prefer	VERB
cjrl-2282	291	3	and	and	CCONJ
cjrl-2282	291	4	need	need	VERB
cjrl-2282	291	5	a	a	DET
cjrl-2282	291	6	check	check	NOUN
cjrl-2282	291	7	that	that	PRON
cjrl-2282	291	8	is	be	AUX
cjrl-2282	291	9	collected	collect	VERB
cjrl-2282	291	10	more	more	ADV
cjrl-2282	291	11	slowly	slowly	ADV
cjrl-2282	291	12	than	than	SCONJ
cjrl-2282	291	13	their	their	PRON
cjrl-2282	291	14	traditional	traditional	ADJ
cjrl-2282	291	15	demand	demand	NOUN
cjrl-2282	291	16	instruments	instrument	NOUN
cjrl-2282	291	17	are	be	AUX
cjrl-2282	291	18	currently	currently	ADV
cjrl-2282	291	19	being	be	AUX
cjrl-2282	291	20	collected	collect	VERB
cjrl-2282	291	21	under	under	ADP
cjrl-2282	291	22	the	the	DET
cjrl-2282	291	23	new	new	ADJ
cjrl-2282	291	24	,	,	PUNCT
cjrl-2282	291	25	faster	fast	ADJ
cjrl-2282	291	26	availability	availability	NOUN
cjrl-2282	291	27	schedules	schedule	NOUN
cjrl-2282	291	28	.	.	PUNCT
cjrl-2282	292	1	by	by	ADP
cjrl-2282	292	2	removing	remove	VERB
cjrl-2282	292	3	all	all	DET
cjrl-2282	292	4	float	float	NOUN
cjrl-2282	292	5	,	,	PUNCT
cjrl-2282	292	6	the	the	DET
cjrl-2282	292	7	federal	federal	ADJ
cjrl-2282	292	8	regulators	regulator	NOUN
cjrl-2282	292	9	left	leave	VERB
cjrl-2282	292	10	consumers	consumer	NOUN
cjrl-2282	292	11	to	to	ADP
cjrl-2282	292	12	their	their	PRON
cjrl-2282	292	13	own	own	ADJ
cjrl-2282	292	14	devices	device	NOUN
cjrl-2282	292	15	to	to	PART
cjrl-2282	292	16	replace	replace	VERB
cjrl-2282	292	17	the	the	DET
cjrl-2282	292	18	element	element	NOUN
cjrl-2282	292	19	of	of	ADP
cjrl-2282	292	20	time	time	NOUN
cjrl-2282	292	21	they	they	PRON
cjrl-2282	292	22	once	once	ADV
cjrl-2282	292	23	enjoyed	enjoy	VERB
cjrl-2282	292	24	under	under	ADP
cjrl-2282	292	25	the	the	DET
cjrl-2282	292	26	old	old	ADJ
cjrl-2282	292	27	timing	timing	NOUN
cjrl-2282	292	28	rules	rule	NOUN
cjrl-2282	292	29	—	—	PUNCT
cjrl-2282	292	30	and	and	CCONJ
cjrl-2282	292	31	upon	upon	SCONJ
cjrl-2282	292	32	which	which	PRON
cjrl-2282	292	33	they	they	PRON
cjrl-2282	292	34	had	have	AUX
cjrl-2282	292	35	heavily	heavily	ADV
cjrl-2282	292	36	relied	rely	VERB
cjrl-2282	292	37	in	in	ADP
cjrl-2282	292	38	their	their	PRON
cjrl-2282	292	39	cash	cash	NOUN
cjrl-2282	292	40	management	management	NOUN
cjrl-2282	292	41	calculus	calculus	NOUN
cjrl-2282	292	42	.	.	PUNCT
cjrl-2282	293	1	since	since	SCONJ
cjrl-2282	293	2	the	the	DET
cjrl-2282	293	3	enactment	enactment	NOUN
cjrl-2282	293	4	of	of	ADP
cjrl-2282	293	5	regulation	regulation	NOUN
cjrl-2282	293	6	cc	cc	PROPN
cjrl-2282	293	7	and	and	CCONJ
cjrl-2282	293	8	the	the	DET
cjrl-2282	293	9	expedited	expedite	VERB
cjrl-2282	293	10	availability	availability	NOUN
cjrl-2282	293	11	schedules	schedule	NOUN
cjrl-2282	293	12	,	,	PUNCT
cjrl-2282	293	13	consumers	consumer	NOUN
cjrl-2282	293	14	facing	face	VERB
cjrl-2282	293	15	shrinking	shrink	VERB
cjrl-2282	293	16	windows	window	NOUN
cjrl-2282	293	17	of	of	ADP
cjrl-2282	293	18	time	time	NOUN
cjrl-2282	293	19	during	during	ADP
cjrl-2282	293	20	which	which	PRON
cjrl-2282	293	21	they	they	PRON
cjrl-2282	293	22	can	can	AUX
cjrl-2282	293	23	obtain	obtain	VERB
cjrl-2282	293	24	funds	fund	NOUN
cjrl-2282	293	25	to	to	PART
cjrl-2282	293	26	cover	cover	VERB
cjrl-2282	293	27	their	their	PRON
cjrl-2282	293	28	checks	check	NOUN
cjrl-2282	293	29	have	have	AUX
cjrl-2282	293	30	turned	turn	VERB
cjrl-2282	293	31	to	to	ADP
cjrl-2282	293	32	three	three	NUM
cjrl-2282	293	33	main	main	ADJ
cjrl-2282	293	34	alternative	alternative	ADJ
cjrl-2282	293	35	cash	cash	NOUN
cjrl-2282	293	36	management	management	NOUN
cjrl-2282	293	37	sources	source	NOUN
cjrl-2282	293	38	:	:	PUNCT
cjrl-2282	293	39	payday	payday	NOUN
cjrl-2282	293	40	loans	loan	NOUN
cjrl-2282	293	41	,	,	PUNCT
cjrl-2282	293	42	credit	credit	NOUN
cjrl-2282	293	43	cards	card	NOUN
cjrl-2282	293	44	,	,	PUNCT
cjrl-2282	293	45	continuing	continue	VERB
cjrl-2282	293	46	to	to	PART
cjrl-2282	293	47	investigate	investigate	VERB
cjrl-2282	293	48	and	and	CCONJ
cjrl-2282	293	49	implement	implement	VERB
cjrl-2282	293	50	new	new	ADJ
cjrl-2282	293	51	methods	method	NOUN
cjrl-2282	293	52	to	to	PART
cjrl-2282	293	53	speed	speed	VERB
cjrl-2282	293	54	the	the	DET
cjrl-2282	293	55	check	check	NOUN
cjrl-2282	293	56	-	-	PUNCT
cjrl-2282	293	57	clearing	clearing	NOUN
cjrl-2282	293	58	process	process	NOUN
cjrl-2282	293	59	.	.	PUNCT
cjrl-2282	294	1	as	as	ADP
cjrl-2282	294	2	a	a	DET
cjrl-2282	294	3	result	result	NOUN
cjrl-2282	294	4	,	,	PUNCT
cjrl-2282	294	5	float	float	NOUN
cjrl-2282	294	6	averaged	average	VERB
cjrl-2282	294	7	only	only	ADV
cjrl-2282	294	8	$	$	SYM
cjrl-2282	294	9	774	774	NUM
cjrl-2282	294	10	million	million	NUM
cjrl-2282	294	11	in	in	ADP
cjrl-2282	294	12	2000	2000	NUM
cjrl-2282	294	13	,	,	PUNCT
cjrl-2282	294	14	and	and	CCONJ
cjrl-2282	294	15	it	it	PRON
cjrl-2282	294	16	will	will	AUX
cjrl-2282	294	17	likely	likely	ADV
cjrl-2282	294	18	decrease	decrease	VERB
cjrl-2282	294	19	even	even	ADV
cjrl-2282	294	20	further	far	ADV
cjrl-2282	294	21	as	as	ADP
cjrl-2282	294	22	technology	technology	NOUN
cjrl-2282	294	23	advances	advance	NOUN
cjrl-2282	294	24	.	.	PUNCT
cjrl-2282	295	1	45	45	NUM
cjrl-2282	295	2	paul	paul	PROPN
cjrl-2282	295	3	katzeff	katzeff	PROPN
cjrl-2282	295	4	,	,	PUNCT
cjrl-2282	295	5	bank	bank	NOUN
cjrl-2282	295	6	“	"	PUNCT
cjrl-2282	295	7	float	float	NOUN
cjrl-2282	295	8	”	"	PUNCT
cjrl-2282	295	9	is	be	AUX
cjrl-2282	295	10	set	set	VERB
cjrl-2282	295	11	to	to	PART
cjrl-2282	295	12	fade	fade	VERB
cjrl-2282	295	13	-	-	PUNCT
cjrl-2282	295	14	out	out	NOUN
cjrl-2282	295	15	,	,	PUNCT
cjrl-2282	295	16	investor	investor	NOUN
cjrl-2282	295	17	's	's	PART
cjrl-2282	295	18	bus	bus	NOUN
cjrl-2282	295	19	.	.	PUNCT
cjrl-2282	296	1	daily	daily	PROPN
cjrl-2282	296	2	,	,	PUNCT
cjrl-2282	296	3	oct	oct	PROPN
cjrl-2282	296	4	.	.	PROPN
cjrl-2282	296	5	11	11	NUM
cjrl-2282	296	6	,	,	PUNCT
cjrl-2282	296	7	2004	2004	NUM
cjrl-2282	296	8	,	,	PUNCT
cjrl-2282	296	9	at	at	ADP
cjrl-2282	296	10	a14	a14	PROPN
cjrl-2282	296	11	;	;	PUNCT
cjrl-2282	296	12	mcglinn	mcglinn	PROPN
cjrl-2282	296	13	,	,	PUNCT
cjrl-2282	296	14	supra	supra	PROPN
cjrl-2282	296	15	note	note	PROPN
cjrl-2282	296	16	34	34	NUM
cjrl-2282	296	17	,	,	PUNCT
cjrl-2282	296	18	at	at	ADP
cjrl-2282	296	19	179	179	NUM
cjrl-2282	296	20	;	;	PUNCT
cjrl-2282	296	21	see	see	VERB
cjrl-2282	296	22	generally	generally	ADV
cjrl-2282	296	23	mark	mark	PROPN
cjrl-2282	296	24	e.	e.	PROPN
cjrl-2282	296	25	budnitz	budnitz	PROPN
cjrl-2282	296	26	,	,	PUNCT
cjrl-2282	296	27	the	the	DET
cjrl-2282	296	28	check	check	NOUN
cjrl-2282	296	29	21	21	NUM
cjrl-2282	296	30	challenge	challenge	NOUN
cjrl-2282	296	31	:	:	PUNCT
cjrl-2282	296	32	will	will	AUX
cjrl-2282	296	33	banks	bank	NOUN
cjrl-2282	296	34	take	take	VERB
cjrl-2282	296	35	advantage	advantage	NOUN
cjrl-2282	296	36	of	of	ADP
cjrl-2282	296	37	consumers	consumer	NOUN
cjrl-2282	296	38	,	,	PUNCT
cjrl-2282	296	39	58	58	NUM
cjrl-2282	296	40	consumer	consumer	NOUN
cjrl-2282	296	41	fin	fin	NOUN
cjrl-2282	296	42	.	.	PUNCT
cjrl-2282	297	1	l.q	l.q	PROPN
cjrl-2282	297	2	.	.	PROPN
cjrl-2282	297	3	rep	rep	PROPN
cjrl-2282	297	4	.	.	PROPN
cjrl-2282	297	5	369	369	NUM
cjrl-2282	297	6	(	(	PUNCT
cjrl-2282	297	7	2004	2004	NUM
cjrl-2282	297	8	)	)	PUNCT
cjrl-2282	297	9	.	.	PUNCT
cjrl-2282	298	1	46	46	NUM
cjrl-2282	298	2	see	see	VERB
cjrl-2282	298	3	“	"	PUNCT
cjrl-2282	298	4	check	check	VERB
cjrl-2282	298	5	21	21	NUM
cjrl-2282	298	6	”	"	PUNCT
cjrl-2282	298	7	law	law	NOUN
cjrl-2282	298	8	benefits	benefit	VERB
cjrl-2282	298	9	banks	bank	NOUN
cjrl-2282	298	10	but	but	CCONJ
cjrl-2282	298	11	will	will	AUX
cjrl-2282	298	12	mean	mean	VERB
cjrl-2282	298	13	more	more	ADV
cjrl-2282	298	14	bounced	bounce	VERB
cjrl-2282	298	15	checks	check	NOUN
cjrl-2282	298	16	&	&	CCONJ
cjrl-2282	298	17	fees	fee	NOUN
cjrl-2282	298	18	for	for	ADP
cjrl-2282	298	19	consumers	consumer	NOUN
cjrl-2282	298	20	,	,	PUNCT
cjrl-2282	298	21	consumers	consumer	NOUN
cjrl-2282	298	22	union	union	PROPN
cjrl-2282	298	23	(	(	PUNCT
cjrl-2282	298	24	aug	aug	PROPN
cjrl-2282	298	25	.	.	PROPN
cjrl-2282	298	26	24	24	NUM
cjrl-2282	298	27	,	,	PUNCT
cjrl-2282	298	28	2004	2004	NUM
cjrl-2282	298	29	)	)	PUNCT
cjrl-2282	298	30	,	,	PUNCT
cjrl-2282	298	31	http://www.consumersunion.org/pub/core_financial_services/001332.html	http://www.consumersunion.org/pub/core_financial_services/001332.html	PROPN
cjrl-2282	298	32	.	.	PUNCT
cjrl-2282	299	1	47	47	NUM
cjrl-2282	299	2	see	see	VERB
cjrl-2282	299	3	mcglinn	mcglinn	NOUN
cjrl-2282	299	4	,	,	PUNCT
cjrl-2282	299	5	supra	supra	PROPN
cjrl-2282	299	6	note	note	PROPN
cjrl-2282	299	7	33	33	NUM
cjrl-2282	299	8	,	,	PUNCT
cjrl-2282	299	9	at	at	ADP
cjrl-2282	299	10	194	194	NUM
cjrl-2282	299	11	.	.	PUNCT
cjrl-2282	300	1	48	48	NUM
cjrl-2282	300	2	see	see	VERB
cjrl-2282	300	3	frequently	frequently	ADV
cjrl-2282	300	4	asked	ask	VERB
cjrl-2282	300	5	questions	question	NOUN
cjrl-2282	300	6	about	about	ADP
cjrl-2282	300	7	check	check	NOUN
cjrl-2282	300	8	21	21	NUM
cjrl-2282	300	9	,	,	PUNCT
cjrl-2282	300	10	fed	fed	PROPN
cjrl-2282	300	11	.	.	PROPN
cjrl-2282	300	12	reserve	reserve	PROPN
cjrl-2282	300	13	board	board	PROPN
cjrl-2282	300	14	of	of	ADP
cjrl-2282	300	15	governors	governor	NOUN
cjrl-2282	300	16	,	,	PUNCT
cjrl-2282	300	17	www.federalreserve.gov/paymentsystems/check21_faq.htm	www.federalreserve.gov/paymentsystems/check21_faq.htm	X
cjrl-2282	300	18	#	#	NOUN
cjrl-2282	300	19	(	(	PUNCT
cjrl-2282	300	20	last	last	ADJ
cjrl-2282	300	21	updated	update	VERB
cjrl-2282	300	22	may	may	PROPN
cjrl-2282	300	23	1	1	NUM
cjrl-2282	300	24	,	,	PUNCT
cjrl-2282	300	25	2012	2012	NUM
cjrl-2282	300	26	)	)	PUNCT
cjrl-2282	300	27	.	.	PUNCT
cjrl-2282	301	1	2013	2013	NUM
cjrl-2282	301	2	columbia	columbia	PROPN
cjrl-2282	301	3	journal	journal	PROPN
cjrl-2282	301	4	of	of	ADP
cjrl-2282	301	5	race	race	NOUN
cjrl-2282	301	6	and	and	CCONJ
cjrl-2282	301	7	law	law	NOUN
cjrl-2282	301	8	85	85	NUM
cjrl-2282	301	9	and	and	CCONJ
cjrl-2282	301	10	helocs	heloc	NOUN
cjrl-2282	301	11	.	.	PUNCT
cjrl-2282	302	1	all	all	PRON
cjrl-2282	302	2	of	of	ADP
cjrl-2282	302	3	these	these	DET
cjrl-2282	302	4	alternatives	alternative	NOUN
cjrl-2282	302	5	were	be	AUX
cjrl-2282	302	6	more	more	ADV
cjrl-2282	302	7	expensive	expensive	ADJ
cjrl-2282	302	8	than	than	ADP
cjrl-2282	302	9	their	their	PRON
cjrl-2282	302	10	checks	check	NOUN
cjrl-2282	302	11	and	and	CCONJ
cjrl-2282	302	12	deleterious	deleterious	ADJ
cjrl-2282	302	13	to	to	ADP
cjrl-2282	302	14	the	the	DET
cjrl-2282	302	15	economic	economic	ADJ
cjrl-2282	302	16	well	well	NOUN
cjrl-2282	302	17	-	-	PUNCT
cjrl-2282	302	18	being	being	NOUN
cjrl-2282	302	19	of	of	ADP
cjrl-2282	302	20	the	the	DET
cjrl-2282	302	21	poorest	poor	ADJ
cjrl-2282	302	22	,	,	PUNCT
cjrl-2282	302	23	most	most	ADV
cjrl-2282	302	24	vulnerable	vulnerable	ADJ
cjrl-2282	302	25	of	of	ADP
cjrl-2282	302	26	all	all	PRON
cjrl-2282	302	27	checking	check	VERB
cjrl-2282	302	28	account	account	NOUN
cjrl-2282	302	29	customers	customer	NOUN
cjrl-2282	302	30	.	.	PUNCT
cjrl-2282	303	1	timeline	timeline	NOUN
cjrl-2282	303	2	data	datum	NOUN
cjrl-2282	303	3	seem	seem	VERB
cjrl-2282	303	4	to	to	PART
cjrl-2282	303	5	indicate	indicate	VERB
cjrl-2282	303	6	a	a	DET
cjrl-2282	303	7	relationship	relationship	NOUN
cjrl-2282	303	8	,	,	PUNCT
cjrl-2282	303	9	between	between	ADP
cjrl-2282	303	10	the	the	DET
cjrl-2282	303	11	enactment	enactment	NOUN
cjrl-2282	303	12	of	of	ADP
cjrl-2282	303	13	the	the	DET
cjrl-2282	303	14	first	first	ADJ
cjrl-2282	303	15	of	of	ADP
cjrl-2282	303	16	these	these	DET
cjrl-2282	303	17	federal	federal	ADJ
cjrl-2282	303	18	reforms	reform	NOUN
cjrl-2282	303	19	and	and	CCONJ
cjrl-2282	303	20	the	the	DET
cjrl-2282	303	21	increase	increase	NOUN
cjrl-2282	303	22	in	in	ADP
cjrl-2282	303	23	the	the	DET
cjrl-2282	303	24	appetite	appetite	NOUN
cjrl-2282	303	25	for	for	ADP
cjrl-2282	303	26	risk	risk	NOUN
cjrl-2282	303	27	by	by	ADP
cjrl-2282	303	28	consumers	consumer	NOUN
cjrl-2282	303	29	and	and	CCONJ
cjrl-2282	303	30	consumption	consumption	NOUN
cjrl-2282	303	31	for	for	ADP
cjrl-2282	303	32	financial	financial	ADJ
cjrl-2282	303	33	products	product	NOUN
cjrl-2282	303	34	that	that	PRON
cjrl-2282	303	35	allow	allow	VERB
cjrl-2282	303	36	them	they	PRON
cjrl-2282	303	37	to	to	PART
cjrl-2282	303	38	leverage	leverage	VERB
cjrl-2282	303	39	their	their	PRON
cjrl-2282	303	40	current	current	ADJ
cjrl-2282	303	41	income	income	NOUN
cjrl-2282	303	42	,	,	PUNCT
cjrl-2282	303	43	and	and	CCONJ
cjrl-2282	303	44	thus	thus	ADV
cjrl-2282	303	45	,	,	PUNCT
cjrl-2282	303	46	to	to	PART
cjrl-2282	303	47	manage	manage	VERB
cjrl-2282	303	48	their	their	PRON
cjrl-2282	303	49	cash	cash	NOUN
cjrl-2282	303	50	in	in	ADP
cjrl-2282	303	51	order	order	NOUN
cjrl-2282	303	52	to	to	PART
cjrl-2282	303	53	make	make	VERB
cjrl-2282	303	54	small	small	ADJ
cjrl-2282	303	55	dollar	dollar	NOUN
cjrl-2282	303	56	purchases	purchase	NOUN
cjrl-2282	303	57	.	.	PUNCT
cjrl-2282	304	1	one	one	NUM
cjrl-2282	304	2	compelling	compelling	ADJ
cjrl-2282	304	3	example	example	NOUN
cjrl-2282	304	4	of	of	ADP
cjrl-2282	304	5	the	the	DET
cjrl-2282	304	6	temporal	temporal	ADJ
cjrl-2282	304	7	connection	connection	NOUN
cjrl-2282	304	8	between	between	ADP
cjrl-2282	304	9	the	the	DET
cjrl-2282	304	10	reforms	reform	NOUN
cjrl-2282	304	11	in	in	ADP
cjrl-2282	304	12	check	check	NOUN
cjrl-2282	304	13	collection	collection	NOUN
cjrl-2282	304	14	timing	timing	NOUN
cjrl-2282	304	15	rules	rule	NOUN
cjrl-2282	304	16	and	and	CCONJ
cjrl-2282	304	17	increases	increase	NOUN
cjrl-2282	304	18	in	in	ADP
cjrl-2282	304	19	the	the	DET
cjrl-2282	304	20	amount	amount	NOUN
cjrl-2282	304	21	of	of	ADP
cjrl-2282	304	22	risk	risk	NOUN
cjrl-2282	304	23	-	-	PUNCT
cjrl-2282	304	24	laden	laden	NOUN
cjrl-2282	304	25	behaviors	behavior	NOUN
cjrl-2282	304	26	by	by	ADP
cjrl-2282	304	27	consumers	consumer	NOUN
cjrl-2282	304	28	to	to	PART
cjrl-2282	304	29	make	make	VERB
cjrl-2282	304	30	small	small	ADJ
cjrl-2282	304	31	dollar	dollar	NOUN
cjrl-2282	304	32	amount	amount	NOUN
cjrl-2282	304	33	purchases	purchase	NOUN
cjrl-2282	304	34	is	be	AUX
cjrl-2282	304	35	to	to	PART
cjrl-2282	304	36	look	look	VERB
cjrl-2282	304	37	at	at	ADP
cjrl-2282	304	38	the	the	DET
cjrl-2282	304	39	significant	significant	ADJ
cjrl-2282	304	40	growth	growth	NOUN
cjrl-2282	304	41	of	of	ADP
cjrl-2282	304	42	the	the	DET
cjrl-2282	304	43	payday	payday	NOUN
cjrl-2282	304	44	loan	loan	NOUN
cjrl-2282	304	45	industry	industry	NOUN
cjrl-2282	304	46	in	in	ADP
cjrl-2282	304	47	the	the	DET
cjrl-2282	304	48	u.s	u.s	PROPN
cjrl-2282	304	49	.	.	PROPN
cjrl-2282	304	50	since	since	SCONJ
cjrl-2282	304	51	1990	1990	NUM
cjrl-2282	304	52	—	—	PUNCT
cjrl-2282	304	53	the	the	DET
cjrl-2282	304	54	year	year	NOUN
cjrl-2282	304	55	the	the	DET
cjrl-2282	304	56	efaa	efaa	NOUN
cjrl-2282	304	57	went	go	VERB
cjrl-2282	304	58	into	into	ADP
cjrl-2282	304	59	effect	effect	NOUN
cjrl-2282	304	60	.	.	PUNCT
cjrl-2282	305	1	there	there	PRON
cjrl-2282	305	2	are	be	VERB
cjrl-2282	305	3	also	also	ADV
cjrl-2282	305	4	surprising	surprising	ADJ
cjrl-2282	305	5	data	datum	NOUN
cjrl-2282	305	6	about	about	ADP
cjrl-2282	305	7	the	the	DET
cjrl-2282	305	8	increasing	increase	VERB
cjrl-2282	305	9	use	use	NOUN
cjrl-2282	305	10	of	of	ADP
cjrl-2282	305	11	credit	credit	NOUN
cjrl-2282	305	12	card	card	NOUN
cjrl-2282	305	13	debt	debt	NOUN
cjrl-2282	305	14	and	and	CCONJ
cjrl-2282	305	15	home	home	NOUN
cjrl-2282	305	16	equity	equity	NOUN
cjrl-2282	305	17	lines	line	NOUN
cjrl-2282	305	18	of	of	ADP
cjrl-2282	305	19	credit	credit	NOUN
cjrl-2282	305	20	(	(	PUNCT
cjrl-2282	305	21	“	"	PUNCT
cjrl-2282	305	22	helocs	helocs	PROPN
cjrl-2282	305	23	”	"	PUNCT
cjrl-2282	305	24	)	)	PUNCT
cjrl-2282	305	25	in	in	ADP
cjrl-2282	305	26	the	the	DET
cjrl-2282	305	27	same	same	ADJ
cjrl-2282	305	28	period	period	NOUN
cjrl-2282	305	29	.	.	PUNCT
cjrl-2282	306	1	a.	a.	NOUN
cjrl-2282	306	2	payday	payday	PROPN
cjrl-2282	306	3	loans	loan	NOUN
cjrl-2282	306	4	the	the	DET
cjrl-2282	306	5	most	most	ADV
cjrl-2282	306	6	insidious	insidious	ADJ
cjrl-2282	306	7	risky	risky	ADJ
cjrl-2282	306	8	practice	practice	NOUN
cjrl-2282	306	9	that	that	SCONJ
cjrl-2282	306	10	consumers	consumer	NOUN
cjrl-2282	306	11	have	have	AUX
cjrl-2282	306	12	turned	turn	VERB
cjrl-2282	306	13	to	to	ADP
cjrl-2282	306	14	following	follow	VERB
cjrl-2282	306	15	the	the	DET
cjrl-2282	306	16	1990	1990	NUM
cjrl-2282	306	17	rule	rule	NOUN
cjrl-2282	306	18	changes	change	NOUN
cjrl-2282	306	19	is	be	AUX
cjrl-2282	306	20	the	the	DET
cjrl-2282	306	21	use	use	NOUN
cjrl-2282	306	22	of	of	ADP
cjrl-2282	306	23	payday	payday	NOUN
cjrl-2282	306	24	loans	loan	NOUN
cjrl-2282	306	25	.	.	PUNCT
cjrl-2282	307	1	much	much	ADJ
cjrl-2282	307	2	has	have	AUX
cjrl-2282	307	3	been	be	AUX
cjrl-2282	307	4	written	write	VERB
cjrl-2282	307	5	about	about	ADP
cjrl-2282	307	6	the	the	DET
cjrl-2282	307	7	payday	payday	NOUN
cjrl-2282	307	8	loan	loan	NOUN
cjrl-2282	307	9	industry	industry	NOUN
cjrl-2282	307	10	in	in	ADP
cjrl-2282	307	11	legal	legal	ADJ
cjrl-2282	307	12	and	and	CCONJ
cjrl-2282	307	13	economic	economic	ADJ
cjrl-2282	307	14	journals	journal	NOUN
cjrl-2282	307	15	,	,	PUNCT
cjrl-2282	307	16	and	and	CCONJ
cjrl-2282	307	17	newspapers	newspaper	NOUN
cjrl-2282	307	18	since	since	SCONJ
cjrl-2282	307	19	the	the	DET
cjrl-2282	307	20	mid-1990s	mid-1990	NOUN
cjrl-2282	307	21	.	.	PUNCT
cjrl-2282	308	1	this	this	DET
cjrl-2282	308	2	scholarship	scholarship	NOUN
cjrl-2282	308	3	falls	fall	VERB
cjrl-2282	308	4	into	into	ADP
cjrl-2282	308	5	three	three	NUM
cjrl-2282	308	6	main	main	ADJ
cjrl-2282	308	7	categories	category	NOUN
cjrl-2282	308	8	:	:	PUNCT
cjrl-2282	308	9	articles	article	NOUN
cjrl-2282	308	10	that	that	PRON
cjrl-2282	308	11	attempt	attempt	VERB
cjrl-2282	308	12	to	to	PART
cjrl-2282	308	13	describe	describe	VERB
cjrl-2282	308	14	the	the	DET
cjrl-2282	308	15	industry	industry	NOUN
cjrl-2282	308	16	itself	itself	PRON
cjrl-2282	308	17	,	,	PUNCT
cjrl-2282	308	18	articles	article	NOUN
cjrl-2282	308	19	that	that	PRON
cjrl-2282	308	20	discuss	discuss	VERB
cjrl-2282	308	21	who	who	PRON
cjrl-2282	308	22	payday	payday	NOUN
cjrl-2282	308	23	loan	loan	NOUN
cjrl-2282	308	24	customers	customer	NOUN
cjrl-2282	308	25	are	be	AUX
cjrl-2282	308	26	,	,	PUNCT
cjrl-2282	308	27	and	and	CCONJ
cjrl-2282	308	28	articles	article	NOUN
cjrl-2282	308	29	that	that	PRON
cjrl-2282	308	30	try	try	VERB
cjrl-2282	308	31	to	to	PART
cjrl-2282	308	32	propose	propose	VERB
cjrl-2282	308	33	solutions.49	solutions.49	ADP
cjrl-2282	308	34	my	my	PRON
cjrl-2282	308	35	treatment	treatment	NOUN
cjrl-2282	308	36	of	of	ADP
cjrl-2282	308	37	the	the	DET
cjrl-2282	308	38	payday	payday	NOUN
cjrl-2282	308	39	lending	lending	NOUN
cjrl-2282	308	40	industry	industry	NOUN
cjrl-2282	308	41	proceeds	proceed	NOUN
cjrl-2282	308	42	in	in	ADP
cjrl-2282	308	43	three	three	NUM
cjrl-2282	308	44	steps	step	NOUN
cjrl-2282	308	45	:	:	PUNCT
cjrl-2282	308	46	first	first	ADV
cjrl-2282	308	47	,	,	PUNCT
cjrl-2282	308	48	i	i	PRON
cjrl-2282	308	49	provide	provide	VERB
cjrl-2282	308	50	a	a	DET
cjrl-2282	308	51	brief	brief	ADJ
cjrl-2282	308	52	history	history	NOUN
cjrl-2282	308	53	of	of	ADP
cjrl-2282	308	54	payday	payday	PROPN
cjrl-2282	308	55	lending	lending	NOUN
cjrl-2282	308	56	,	,	PUNCT
cjrl-2282	308	57	including	include	VERB
cjrl-2282	308	58	a	a	DET
cjrl-2282	308	59	discussion	discussion	NOUN
cjrl-2282	308	60	of	of	ADP
cjrl-2282	308	61	lending	lending	NOUN
cjrl-2282	308	62	practices	practice	NOUN
cjrl-2282	308	63	and	and	CCONJ
cjrl-2282	308	64	industry	industry	NOUN
cjrl-2282	308	65	trends	trend	NOUN
cjrl-2282	308	66	since	since	SCONJ
cjrl-2282	308	67	1990	1990	NUM
cjrl-2282	308	68	.	.	PUNCT
cjrl-2282	309	1	second	second	ADJ
cjrl-2282	309	2	,	,	PUNCT
cjrl-2282	309	3	i	i	PRON
cjrl-2282	309	4	discuss	discuss	VERB
cjrl-2282	309	5	how	how	SCONJ
cjrl-2282	309	6	the	the	DET
cjrl-2282	309	7	payday	payday	NOUN
cjrl-2282	309	8	lending	lending	NOUN
cjrl-2282	309	9	industry	industry	NOUN
cjrl-2282	309	10	has	have	AUX
cjrl-2282	309	11	affected	affect	VERB
cjrl-2282	309	12	minority	minority	NOUN
cjrl-2282	309	13	communities	community	NOUN
cjrl-2282	309	14	.	.	PUNCT
cjrl-2282	310	1	finally	finally	ADV
cjrl-2282	310	2	,	,	PUNCT
cjrl-2282	310	3	i	i	PRON
cjrl-2282	310	4	discuss	discuss	VERB
cjrl-2282	310	5	broadly	broadly	ADV
cjrl-2282	310	6	the	the	DET
cjrl-2282	310	7	deceptive	deceptive	ADJ
cjrl-2282	310	8	nature	nature	NOUN
cjrl-2282	310	9	of	of	ADP
cjrl-2282	310	10	payday	payday	NOUN
cjrl-2282	310	11	loans	loan	NOUN
cjrl-2282	310	12	.	.	PUNCT
cjrl-2282	311	1	1	1	X
cjrl-2282	311	2	.	.	X
cjrl-2282	311	3	a	a	DET
cjrl-2282	311	4	short	short	ADJ
cjrl-2282	311	5	history	history	NOUN
cjrl-2282	311	6	of	of	ADP
cjrl-2282	311	7	payday	payday	NOUN
cjrl-2282	311	8	lending	lending	NOUN
cjrl-2282	311	9	the	the	DET
cjrl-2282	311	10	modern	modern	ADJ
cjrl-2282	311	11	u.s	u.s	PROPN
cjrl-2282	311	12	.	.	PROPN
cjrl-2282	311	13	payday	payday	PROPN
cjrl-2282	311	14	lending	lending	NOUN
cjrl-2282	311	15	industry	industry	NOUN
cjrl-2282	311	16	can	can	AUX
cjrl-2282	311	17	trace	trace	VERB
cjrl-2282	311	18	its	its	PRON
cjrl-2282	311	19	roots	root	NOUN
cjrl-2282	311	20	back	back	ADV
cjrl-2282	311	21	to	to	ADP
cjrl-2282	311	22	early	early	ADJ
cjrl-2282	311	23	twentieth	twentieth	ADJ
cjrl-2282	311	24	century	century	NOUN
cjrl-2282	311	25	salary	salary	NOUN
cjrl-2282	311	26	buyers,50	buyers,50	NOUN
cjrl-2282	311	27	who	who	PRON
cjrl-2282	311	28	offered	offer	VERB
cjrl-2282	311	29	to	to	PART
cjrl-2282	311	30	purchase	purchase	VERB
cjrl-2282	311	31	someone	someone	PRON
cjrl-2282	311	32	’s	’s	PART
cjrl-2282	311	33	paycheck	paycheck	NOUN
cjrl-2282	311	34	in	in	ADP
cjrl-2282	311	35	advance	advance	NOUN
cjrl-2282	311	36	and	and	CCONJ
cjrl-2282	311	37	for	for	ADP
cjrl-2282	311	38	a	a	DET
cjrl-2282	311	39	discount.51	discount.51	NOUN
cjrl-2282	311	40	these	these	DET
cjrl-2282	311	41	salary	salary	NOUN
cjrl-2282	311	42	buyers	buyer	NOUN
cjrl-2282	311	43	operated	operate	VERB
cjrl-2282	311	44	the	the	DET
cjrl-2282	311	45	early	early	ADJ
cjrl-2282	311	46	payday	payday	NOUN
cjrl-2282	311	47	loan	loan	NOUN
cjrl-2282	311	48	stores	store	NOUN
cjrl-2282	311	49	in	in	ADP
cjrl-2282	311	50	order	order	NOUN
cjrl-2282	311	51	to	to	PART
cjrl-2282	311	52	meet	meet	VERB
cjrl-2282	311	53	the	the	DET
cjrl-2282	311	54	demand	demand	NOUN
cjrl-2282	311	55	of	of	ADP
cjrl-2282	311	56	a	a	DET
cjrl-2282	311	57	growing	grow	VERB
cjrl-2282	311	58	market	market	NOUN
cjrl-2282	311	59	of	of	ADP
cjrl-2282	311	60	people	people	NOUN
cjrl-2282	311	61	,	,	PUNCT
cjrl-2282	311	62	especially	especially	ADV
cjrl-2282	311	63	immigrants	immigrant	NOUN
cjrl-2282	311	64	and	and	CCONJ
cjrl-2282	311	65	migrants	migrant	NOUN
cjrl-2282	311	66	from	from	ADP
cjrl-2282	311	67	rural	rural	ADJ
cjrl-2282	311	68	to	to	ADP
cjrl-2282	311	69	urban	urban	ADJ
cjrl-2282	311	70	areas	area	NOUN
cjrl-2282	311	71	.	.	PUNCT
cjrl-2282	312	1	their	their	PRON
cjrl-2282	312	2	customers	customer	NOUN
cjrl-2282	312	3	were	be	AUX
cjrl-2282	312	4	typically	typically	ADV
cjrl-2282	312	5	poor	poor	ADJ
cjrl-2282	312	6	working	working	NOUN
cjrl-2282	312	7	-	-	PUNCT
cjrl-2282	312	8	class	class	NOUN
cjrl-2282	312	9	people	people	NOUN
cjrl-2282	312	10	who	who	PRON
cjrl-2282	312	11	had	have	VERB
cjrl-2282	312	12	current	current	ADJ
cjrl-2282	312	13	supplemental	supplemental	ADJ
cjrl-2282	312	14	cash	cash	NOUN
cjrl-2282	312	15	needs	need	NOUN
cjrl-2282	312	16	but	but	CCONJ
cjrl-2282	312	17	who	who	PRON
cjrl-2282	312	18	were	be	AUX
cjrl-2282	312	19	unable	unable	ADJ
cjrl-2282	312	20	to	to	PART
cjrl-2282	312	21	qualify	qualify	VERB
cjrl-2282	312	22	for	for	ADP
cjrl-2282	312	23	small	small	ADJ
cjrl-2282	312	24	dollar	dollar	NOUN
cjrl-2282	312	25	amount	amount	NOUN
cjrl-2282	312	26	short	short	ADJ
cjrl-2282	312	27	-	-	PUNCT
cjrl-2282	312	28	term	term	NOUN
cjrl-2282	312	29	loans	loan	NOUN
cjrl-2282	312	30	from	from	ADP
cjrl-2282	312	31	banks	bank	NOUN
cjrl-2282	312	32	because	because	SCONJ
cjrl-2282	312	33	they	they	PRON
cjrl-2282	312	34	were	be	AUX
cjrl-2282	312	35	considered	consider	VERB
cjrl-2282	312	36	too	too	ADV
cjrl-2282	312	37	risky	risky	ADJ
cjrl-2282	312	38	.	.	PUNCT
cjrl-2282	313	1	the	the	DET
cjrl-2282	313	2	payday	payday	NOUN
cjrl-2282	313	3	lending	lending	NOUN
cjrl-2282	313	4	industry	industry	NOUN
cjrl-2282	313	5	began	begin	VERB
cjrl-2282	313	6	growing	grow	VERB
cjrl-2282	313	7	exponentially	exponentially	ADV
cjrl-2282	313	8	in	in	ADP
cjrl-2282	313	9	the	the	DET
cjrl-2282	313	10	1980s	1980s	NUM
cjrl-2282	313	11	.	.	PUNCT
cjrl-2282	314	1	this	this	DET
cjrl-2282	314	2	expansion	expansion	NOUN
cjrl-2282	314	3	is	be	AUX
cjrl-2282	314	4	attributable	attributable	ADJ
cjrl-2282	314	5	to	to	ADP
cjrl-2282	314	6	two	two	NUM
cjrl-2282	314	7	factors	factor	NOUN
cjrl-2282	314	8	:	:	PUNCT
cjrl-2282	314	9	deregulation	deregulation	NOUN
cjrl-2282	314	10	of	of	ADP
cjrl-2282	314	11	the	the	DET
cjrl-2282	314	12	banking	banking	NOUN
cjrl-2282	314	13	industry	industry	NOUN
cjrl-2282	314	14	and	and	CCONJ
cjrl-2282	314	15	a	a	DET
cjrl-2282	314	16	lack	lack	NOUN
cjrl-2282	314	17	of	of	ADP
cjrl-2282	314	18	short	short	ADJ
cjrl-2282	314	19	-	-	PUNCT
cjrl-2282	314	20	term	term	NOUN
cjrl-2282	314	21	loan	loan	NOUN
cjrl-2282	314	22	providers	provider	NOUN
cjrl-2282	314	23	.	.	PUNCT
cjrl-2282	315	1	the	the	DET
cjrl-2282	315	2	impact	impact	NOUN
cjrl-2282	315	3	of	of	ADP
cjrl-2282	315	4	deregulation	deregulation	NOUN
cjrl-2282	315	5	was	be	AUX
cjrl-2282	315	6	that	that	SCONJ
cjrl-2282	315	7	interest	interest	NOUN
cjrl-2282	315	8	rate	rate	NOUN
cjrl-2282	315	9	caps	cap	NOUN
cjrl-2282	315	10	imposed	impose	VERB
cjrl-2282	315	11	on	on	ADP
cjrl-2282	315	12	lenders	lender	NOUN
cjrl-2282	315	13	were	be	AUX
cjrl-2282	315	14	removed	remove	VERB
cjrl-2282	315	15	.	.	PUNCT
cjrl-2282	316	1	the	the	DET
cjrl-2282	316	2	retraction	retraction	NOUN
cjrl-2282	316	3	of	of	ADP
cjrl-2282	316	4	mainstream	mainstream	NOUN
cjrl-2282	316	5	,	,	PUNCT
cjrl-2282	316	6	short	short	ADJ
cjrl-2282	316	7	-	-	PUNCT
cjrl-2282	316	8	term	term	NOUN
cjrl-2282	316	9	loans	loan	NOUN
cjrl-2282	316	10	meant	mean	VERB
cjrl-2282	316	11	that	that	SCONJ
cjrl-2282	316	12	fewer	few	ADJ
cjrl-2282	316	13	such	such	ADJ
cjrl-2282	316	14	loans	loan	NOUN
cjrl-2282	316	15	were	be	AUX
cjrl-2282	316	16	provided	provide	VERB
cjrl-2282	316	17	,	,	PUNCT
cjrl-2282	316	18	forcing	force	VERB
cjrl-2282	316	19	consumers	consumer	NOUN
cjrl-2282	316	20	to	to	PART
cjrl-2282	316	21	turn	turn	VERB
cjrl-2282	316	22	elsewhere	elsewhere	ADV
cjrl-2282	316	23	to	to	PART
cjrl-2282	316	24	satisfy	satisfy	VERB
cjrl-2282	316	25	those	those	DET
cjrl-2282	316	26	49	49	NUM
cjrl-2282	316	27	for	for	ADP
cjrl-2282	316	28	a	a	DET
cjrl-2282	316	29	non	non	ADJ
cjrl-2282	316	30	-	-	ADJ
cjrl-2282	316	31	exhaustive	exhaustive	ADJ
cjrl-2282	316	32	list	list	NOUN
cjrl-2282	316	33	of	of	ADP
cjrl-2282	316	34	articles	article	NOUN
cjrl-2282	316	35	providing	provide	VERB
cjrl-2282	316	36	treatment	treatment	NOUN
cjrl-2282	316	37	on	on	ADP
cjrl-2282	316	38	the	the	DET
cjrl-2282	316	39	topic	topic	NOUN
cjrl-2282	316	40	of	of	ADP
cjrl-2282	316	41	payday	payday	PROPN
cjrl-2282	316	42	lending	lending	NOUN
cjrl-2282	316	43	,	,	PUNCT
cjrl-2282	316	44	see	see	VERB
cjrl-2282	316	45	,	,	PUNCT
cjrl-2282	316	46	e.g.	e.g.	ADV
cjrl-2282	316	47	,	,	PUNCT
cjrl-2282	316	48	nathalie	nathalie	PROPN
cjrl-2282	316	49	martin	martin	PROPN
cjrl-2282	316	50	,	,	PUNCT
cjrl-2282	316	51	1,000	1,000	NUM
cjrl-2282	316	52	%	%	NOUN
cjrl-2282	316	53	interest	interest	NOUN
cjrl-2282	316	54	—	—	PUNCT
cjrl-2282	316	55	good	good	ADJ
cjrl-2282	316	56	while	while	SCONJ
cjrl-2282	316	57	supplies	supply	NOUN
cjrl-2282	316	58	last	last	ADV
cjrl-2282	316	59	:	:	PUNCT
cjrl-2282	316	60	a	a	DET
cjrl-2282	316	61	study	study	NOUN
cjrl-2282	316	62	of	of	ADP
cjrl-2282	316	63	payday	payday	NOUN
cjrl-2282	316	64	loan	loan	NOUN
cjrl-2282	316	65	practices	practice	NOUN
cjrl-2282	316	66	and	and	CCONJ
cjrl-2282	316	67	solutions	solution	NOUN
cjrl-2282	316	68	,	,	PUNCT
cjrl-2282	316	69	52	52	NUM
cjrl-2282	316	70	ariz	ariz	NOUN
cjrl-2282	316	71	.	.	PUNCT
cjrl-2282	317	1	l.	l.	PROPN
cjrl-2282	317	2	rev	rev	PROPN
cjrl-2282	317	3	.	.	PROPN
cjrl-2282	318	1	563	563	NUM
cjrl-2282	318	2	(	(	PUNCT
cjrl-2282	318	3	2010	2010	NUM
cjrl-2282	318	4	)	)	PUNCT
cjrl-2282	319	1	;	;	PUNCT
cjrl-2282	319	2	chris	chris	PROPN
cjrl-2282	319	3	giangreco	giangreco	PROPN
cjrl-2282	319	4	,	,	PUNCT
cjrl-2282	319	5	andrea	andrea	PROPN
cjrl-2282	319	6	kovach	kovach	PROPN
cjrl-2282	319	7	,	,	PUNCT
cjrl-2282	319	8	&	&	CCONJ
cjrl-2282	319	9	matt	matt	PROPN
cjrl-2282	319	10	unrath	unrath	PROPN
cjrl-2282	319	11	,	,	PUNCT
cjrl-2282	319	12	alternative	alternative	ADJ
cjrl-2282	319	13	small	small	ADJ
cjrl-2282	319	14	dollar	dollar	NOUN
cjrl-2282	319	15	loans	loan	NOUN
cjrl-2282	319	16	:	:	PUNCT
cjrl-2282	319	17	building	build	VERB
cjrl-2282	319	18	the	the	DET
cjrl-2282	319	19	business	business	NOUN
cjrl-2282	319	20	case	case	NOUN
cjrl-2282	319	21	,	,	PUNCT
cjrl-2282	319	22	2	2	NUM
cjrl-2282	319	23	(	(	PUNCT
cjrl-2282	319	24	2010	2010	NUM
cjrl-2282	319	25	)	)	PUNCT
cjrl-2282	319	26	,	,	PUNCT
cjrl-2282	319	27	available	available	ADJ
cjrl-2282	319	28	at	at	ADP
cjrl-2282	319	29	http://www.illinoisassetbuilding.org/sites/default/files/alt%20small%20dollar%20loans%20report%20v2.pdf	http://www.illinoisassetbuilding.org/sites/default/files/alt%20small%20dollar%20loans%20report%20v2.pdf	PROPN
cjrl-2282	319	30	;	;	PUNCT
cjrl-2282	319	31	paige	paige	PROPN
cjrl-2282	319	32	marti	marti	PROPN
cjrl-2282	319	33	skiba	skiba	PROPN
cjrl-2282	319	34	&	&	CCONJ
cjrl-2282	319	35	jeremy	jeremy	PROPN
cjrl-2282	319	36	tobacman	tobacman	PROPN
cjrl-2282	319	37	,	,	PUNCT
cjrl-2282	319	38	do	do	AUX
cjrl-2282	319	39	payday	payday	NOUN
cjrl-2282	319	40	loans	loan	NOUN
cjrl-2282	319	41	cause	cause	VERB
cjrl-2282	319	42	bankruptcy	bankruptcy	NOUN
cjrl-2282	319	43	?	?	PUNCT
cjrl-2282	320	1	(	(	PUNCT
cjrl-2282	320	2	2009	2009	NUM
cjrl-2282	320	3	)	)	PUNCT
cjrl-2282	320	4	;	;	PUNCT
cjrl-2282	320	5	mary	mary	PROPN
cjrl-2282	320	6	spector	spector	PROPN
cjrl-2282	320	7	,	,	PUNCT
cjrl-2282	320	8	taming	tame	VERB
cjrl-2282	320	9	the	the	DET
cjrl-2282	320	10	beast	beast	NOUN
cjrl-2282	320	11	:	:	PUNCT
cjrl-2282	320	12	payday	payday	NOUN
cjrl-2282	320	13	loans	loan	NOUN
cjrl-2282	320	14	,	,	PUNCT
cjrl-2282	320	15	regulatory	regulatory	ADJ
cjrl-2282	320	16	efforts	effort	NOUN
cjrl-2282	320	17	,	,	PUNCT
cjrl-2282	320	18	and	and	CCONJ
cjrl-2282	320	19	unintended	unintended	ADJ
cjrl-2282	320	20	consequences	consequence	NOUN
cjrl-2282	320	21	,	,	PUNCT
cjrl-2282	320	22	57	57	NUM
cjrl-2282	320	23	depaul	depaul	PROPN
cjrl-2282	320	24	l.	l.	PROPN
cjrl-2282	320	25	rev	rev	PROPN
cjrl-2282	320	26	.	.	PROPN
cjrl-2282	321	1	961	961	NUM
cjrl-2282	321	2	(	(	PUNCT
cjrl-2282	321	3	2008	2008	NUM
cjrl-2282	321	4	)	)	PUNCT
cjrl-2282	321	5	;	;	PUNCT
cjrl-2282	321	6	ronald	ronald	PROPN
cjrl-2282	321	7	j.	j.	PROPN
cjrl-2282	321	8	mann	mann	PROPN
cjrl-2282	321	9	&	&	CCONJ
cjrl-2282	321	10	jim	jim	PROPN
cjrl-2282	321	11	hawkins	hawkins	PROPN
cjrl-2282	321	12	,	,	PUNCT
cjrl-2282	321	13	just	just	ADV
cjrl-2282	321	14	until	until	ADP
cjrl-2282	321	15	payday	payday	NOUN
cjrl-2282	321	16	,	,	PUNCT
cjrl-2282	321	17	54	54	NUM
cjrl-2282	321	18	ucla	ucla	PROPN
cjrl-2282	321	19	l.	l.	PROPN
cjrl-2282	321	20	rev	rev	PROPN
cjrl-2282	321	21	.	.	PROPN
cjrl-2282	321	22	855	855	NUM
cjrl-2282	321	23	(	(	PUNCT
cjrl-2282	321	24	2007	2007	NUM
cjrl-2282	321	25	)	)	PUNCT
cjrl-2282	321	26	;	;	PUNCT
cjrl-2282	321	27	steven	steven	PROPN
cjrl-2282	321	28	m.	m.	PROPN
cjrl-2282	321	29	graves	graves	PROPN
cjrl-2282	321	30	&	&	CCONJ
cjrl-2282	321	31	christopher	christopher	PROPN
cjrl-2282	321	32	l.	l.	PROPN
cjrl-2282	321	33	peterson	peterson	PROPN
cjrl-2282	321	34	,	,	PUNCT
cjrl-2282	321	35	predatory	predatory	NOUN
cjrl-2282	321	36	lending	lending	NOUN
cjrl-2282	321	37	and	and	CCONJ
cjrl-2282	321	38	the	the	DET
cjrl-2282	321	39	military	military	NOUN
cjrl-2282	321	40	:	:	PUNCT
cjrl-2282	321	41	the	the	DET
cjrl-2282	321	42	law	law	NOUN
cjrl-2282	321	43	and	and	CCONJ
cjrl-2282	321	44	geography	geography	NOUN
cjrl-2282	321	45	of	of	ADP
cjrl-2282	321	46	"	"	PUNCT
cjrl-2282	321	47	payday	payday	NOUN
cjrl-2282	321	48	"	"	PUNCT
cjrl-2282	321	49	loans	loan	NOUN
cjrl-2282	321	50	in	in	ADP
cjrl-2282	321	51	military	military	ADJ
cjrl-2282	321	52	towns	town	NOUN
cjrl-2282	321	53	,	,	PUNCT
cjrl-2282	321	54	66	66	NUM
cjrl-2282	321	55	ohio	ohio	PROPN
cjrl-2282	321	56	st	st	PROPN
cjrl-2282	321	57	.	.	PROPN
cjrl-2282	321	58	l.j	l.j	PROPN
cjrl-2282	321	59	.	.	PROPN
cjrl-2282	321	60	653	653	NUM
cjrl-2282	321	61	(	(	PUNCT
cjrl-2282	321	62	2005	2005	NUM
cjrl-2282	321	63	)	)	PUNCT
cjrl-2282	321	64	;	;	PUNCT
cjrl-2282	321	65	creola	creola	PROPN
cjrl-2282	321	66	johnson	johnson	PROPN
cjrl-2282	321	67	,	,	PUNCT
cjrl-2282	321	68	payday	payday	NOUN
cjrl-2282	321	69	loans	loan	NOUN
cjrl-2282	321	70	:	:	PUNCT
cjrl-2282	321	71	shrewd	shrewd	ADJ
cjrl-2282	321	72	business	business	NOUN
cjrl-2282	321	73	or	or	CCONJ
cjrl-2282	321	74	predatory	predatory	ADJ
cjrl-2282	321	75	lending	lending	NOUN
cjrl-2282	321	76	?	?	PUNCT
cjrl-2282	321	77	,	,	PUNCT
cjrl-2282	321	78	87	87	NUM
cjrl-2282	321	79	minn	minn	PROPN
cjrl-2282	321	80	.	.	PUNCT
cjrl-2282	322	1	l.	l.	PROPN
cjrl-2282	322	2	rev	rev	PROPN
cjrl-2282	322	3	.	.	PROPN
cjrl-2282	322	4	1	1	NUM
cjrl-2282	322	5	(	(	PUNCT
cjrl-2282	322	6	2002	2002	NUM
cjrl-2282	322	7	)	)	PUNCT
cjrl-2282	322	8	.	.	PUNCT
cjrl-2282	323	1	50	50	NUM
cjrl-2282	323	2	one	one	NUM
cjrl-2282	323	3	scholar	scholar	NOUN
cjrl-2282	323	4	has	have	AUX
cjrl-2282	323	5	even	even	ADV
cjrl-2282	323	6	traced	trace	VERB
cjrl-2282	323	7	the	the	DET
cjrl-2282	323	8	origins	origin	NOUN
cjrl-2282	323	9	of	of	ADP
cjrl-2282	323	10	the	the	DET
cjrl-2282	323	11	payday	payday	NOUN
cjrl-2282	323	12	lending	lending	NOUN
cjrl-2282	323	13	industry	industry	NOUN
cjrl-2282	323	14	back	back	ADV
cjrl-2282	323	15	to	to	ADP
cjrl-2282	323	16	biblical	biblical	ADJ
cjrl-2282	323	17	times	time	NOUN
cjrl-2282	323	18	.	.	PUNCT
cjrl-2282	324	1	see	see	VERB
cjrl-2282	324	2	spector	spector	PROPN
cjrl-2282	324	3	,	,	PUNCT
cjrl-2282	324	4	supra	supra	PROPN
cjrl-2282	324	5	note	note	PROPN
cjrl-2282	324	6	49	49	NUM
cjrl-2282	324	7	,	,	PUNCT
cjrl-2282	324	8	at	at	ADP
cjrl-2282	324	9	969	969	NUM
cjrl-2282	324	10	.	.	PUNCT
cjrl-2282	325	1	interestingly	interestingly	ADV
cjrl-2282	325	2	,	,	PUNCT
cjrl-2282	325	3	in	in	ADP
cjrl-2282	325	4	the	the	DET
cjrl-2282	325	5	same	same	ADJ
cjrl-2282	325	6	passage	passage	NOUN
cjrl-2282	325	7	,	,	PUNCT
cjrl-2282	325	8	spector	spector	NOUN
cjrl-2282	325	9	notes	note	VERB
cjrl-2282	325	10	that	that	SCONJ
cjrl-2282	325	11	since	since	SCONJ
cjrl-2282	325	12	biblical	biblical	ADJ
cjrl-2282	325	13	times	time	NOUN
cjrl-2282	325	14	as	as	ADV
cjrl-2282	325	15	well	well	ADV
cjrl-2282	325	16	,	,	PUNCT
cjrl-2282	325	17	efforts	effort	NOUN
cjrl-2282	325	18	to	to	PART
cjrl-2282	325	19	regulate	regulate	VERB
cjrl-2282	325	20	payday	payday	NOUN
cjrl-2282	325	21	lending	lending	NOUN
cjrl-2282	325	22	could	could	AUX
cjrl-2282	325	23	be	be	AUX
cjrl-2282	325	24	frustrated	frustrate	VERB
cjrl-2282	325	25	by	by	ADP
cjrl-2282	325	26	intricately	intricately	ADV
cjrl-2282	325	27	designed	design	VERB
cjrl-2282	325	28	lending	lending	NOUN
cjrl-2282	325	29	systems	system	NOUN
cjrl-2282	325	30	.	.	PUNCT
cjrl-2282	326	1	see	see	VERB
cjrl-2282	326	2	i	i	PRON
cjrl-2282	326	3	d.	d.	PROPN
cjrl-2282	326	4	51	51	NUM
cjrl-2282	326	5	aaron	aaron	PROPN
cjrl-2282	326	6	huckstep	huckstep	PROPN
cjrl-2282	326	7	,	,	PUNCT
cjrl-2282	326	8	payday	payday	NOUN
cjrl-2282	326	9	lending	lending	NOUN
cjrl-2282	326	10	:	:	PUNCT
cjrl-2282	326	11	do	do	AUX
cjrl-2282	326	12	outrageous	outrageous	ADJ
cjrl-2282	326	13	prices	price	NOUN
cjrl-2282	326	14	necessarily	necessarily	ADV
cjrl-2282	326	15	mean	mean	VERB
cjrl-2282	326	16	outrageous	outrageous	ADJ
cjrl-2282	326	17	profits	profit	NOUN
cjrl-2282	326	18	?	?	PUNCT
cjrl-2282	326	19	,	,	PUNCT
cjrl-2282	326	20	12	12	NUM
cjrl-2282	326	21	fordham	fordham	PROPN
cjrl-2282	326	22	j.	j.	PROPN
cjrl-2282	326	23	corp	corp	PROPN
cjrl-2282	326	24	.	.	PROPN
cjrl-2282	326	25	&	&	CCONJ
cjrl-2282	326	26	fin	fin	PROPN
cjrl-2282	326	27	.	.	PUNCT
cjrl-2282	327	1	l.	l.	PROPN
cjrl-2282	327	2	203	203	NUM
cjrl-2282	327	3	,	,	PUNCT
cjrl-2282	327	4	204	204	NUM
cjrl-2282	327	5	(	(	PUNCT
cjrl-2282	327	6	2007	2007	NUM
cjrl-2282	327	7	)	)	PUNCT
cjrl-2282	327	8	.	.	PUNCT
cjrl-2282	328	1	86	86	NUM
cjrl-2282	328	2	checking	check	VERB
cjrl-2282	328	3	out	out	ADP
cjrl-2282	328	4	the	the	DET
cjrl-2282	328	5	exception	exception	NOUN
cjrl-2282	328	6	to	to	ADP
cjrl-2282	328	7	3	3	NUM
cjrl-2282	328	8	-	-	SYM
cjrl-2282	328	9	104	104	NUM
cjrl-2282	328	10	vol	vol	NOUN
cjrl-2282	328	11	.	.	PUNCT
cjrl-2282	329	1	3:1	3:1	NUM
cjrl-2282	329	2	financial	financial	ADJ
cjrl-2282	329	3	needs.52	needs.52	NOUN
cjrl-2282	329	4	by	by	ADP
cjrl-2282	329	5	the	the	DET
cjrl-2282	329	6	1990s	1990	NOUN
cjrl-2282	329	7	,	,	PUNCT
cjrl-2282	329	8	numerous	numerous	ADJ
cjrl-2282	329	9	check	check	NOUN
cjrl-2282	329	10	cashing	cash	VERB
cjrl-2282	329	11	stores	store	NOUN
cjrl-2282	329	12	opened	open	VERB
cjrl-2282	329	13	.	.	PUNCT
cjrl-2282	330	1	these	these	DET
cjrl-2282	330	2	stores	store	NOUN
cjrl-2282	330	3	worked	work	VERB
cjrl-2282	330	4	solely	solely	ADV
cjrl-2282	330	5	on	on	ADP
cjrl-2282	330	6	cashing	cash	VERB
cjrl-2282	330	7	checks.53	checks.53	VERB
cjrl-2282	330	8	the	the	DET
cjrl-2282	330	9	transition	transition	NOUN
cjrl-2282	330	10	to	to	ADP
cjrl-2282	330	11	lending	lend	VERB
cjrl-2282	330	12	against	against	ADP
cjrl-2282	330	13	future	future	ADJ
cjrl-2282	330	14	checks	check	NOUN
cjrl-2282	330	15	was	be	AUX
cjrl-2282	330	16	a	a	DET
cjrl-2282	330	17	natural	natural	ADJ
cjrl-2282	330	18	next	next	ADJ
cjrl-2282	330	19	step	step	NOUN
cjrl-2282	330	20	for	for	ADP
cjrl-2282	330	21	businesses	business	NOUN
cjrl-2282	330	22	that	that	PRON
cjrl-2282	330	23	started	start	VERB
cjrl-2282	330	24	out	out	ADP
cjrl-2282	330	25	by	by	ADP
cjrl-2282	330	26	cashing	cash	VERB
cjrl-2282	330	27	checks	check	NOUN
cjrl-2282	330	28	during	during	ADP
cjrl-2282	330	29	better	well	ADJ
cjrl-2282	330	30	times.54	times.54	PROPN
cjrl-2282	330	31	in	in	ADP
cjrl-2282	330	32	a	a	DET
cjrl-2282	330	33	typical	typical	ADJ
cjrl-2282	330	34	payday	payday	NOUN
cjrl-2282	330	35	loan	loan	NOUN
cjrl-2282	330	36	transaction	transaction	NOUN
cjrl-2282	330	37	,	,	PUNCT
cjrl-2282	330	38	the	the	DET
cjrl-2282	330	39	borrower	borrower	NOUN
cjrl-2282	330	40	tenders	tender	VERB
cjrl-2282	330	41	a	a	DET
cjrl-2282	330	42	post	post	ADJ
cjrl-2282	330	43	-	-	ADJ
cjrl-2282	330	44	dated	dated	ADJ
cjrl-2282	330	45	check	check	NOUN
cjrl-2282	330	46	and	and	CCONJ
cjrl-2282	330	47	proof	proof	NOUN
cjrl-2282	330	48	of	of	ADP
cjrl-2282	330	49	employment	employment	NOUN
cjrl-2282	330	50	to	to	ADP
cjrl-2282	330	51	the	the	DET
cjrl-2282	330	52	lender	lender	NOUN
cjrl-2282	330	53	for	for	ADP
cjrl-2282	330	54	the	the	DET
cjrl-2282	330	55	amount	amount	NOUN
cjrl-2282	330	56	of	of	ADP
cjrl-2282	330	57	the	the	DET
cjrl-2282	330	58	loan	loan	NOUN
cjrl-2282	330	59	,	,	PUNCT
cjrl-2282	330	60	plus	plus	CCONJ
cjrl-2282	330	61	a	a	DET
cjrl-2282	330	62	fee.55	fee.55	NOUN
cjrl-2282	330	63	the	the	DET
cjrl-2282	330	64	lender	lender	NOUN
cjrl-2282	330	65	then	then	ADV
cjrl-2282	330	66	gives	give	VERB
cjrl-2282	330	67	the	the	DET
cjrl-2282	330	68	borrower	borrower	NOUN
cjrl-2282	330	69	the	the	DET
cjrl-2282	330	70	loan	loan	NOUN
cjrl-2282	330	71	amount	amount	NOUN
cjrl-2282	330	72	,	,	PUNCT
cjrl-2282	330	73	minus	minus	CCONJ
cjrl-2282	330	74	the	the	DET
cjrl-2282	330	75	amount	amount	NOUN
cjrl-2282	330	76	of	of	ADP
cjrl-2282	330	77	the	the	DET
cjrl-2282	330	78	fee.56	fee.56	NOUN
cjrl-2282	330	79	the	the	DET
cjrl-2282	330	80	lender	lender	NOUN
cjrl-2282	330	81	will	will	AUX
cjrl-2282	330	82	also	also	ADV
cjrl-2282	330	83	generally	generally	ADV
cjrl-2282	330	84	agree	agree	VERB
cjrl-2282	330	85	to	to	PART
cjrl-2282	330	86	retain	retain	VERB
cjrl-2282	330	87	the	the	DET
cjrl-2282	330	88	check	check	NOUN
cjrl-2282	330	89	until	until	ADP
cjrl-2282	330	90	the	the	DET
cjrl-2282	330	91	date	date	NOUN
cjrl-2282	330	92	when	when	SCONJ
cjrl-2282	330	93	the	the	DET
cjrl-2282	330	94	borrower	borrower	NOUN
cjrl-2282	330	95	’s	’s	PART
cjrl-2282	330	96	loan	loan	NOUN
cjrl-2282	330	97	matures.57	matures.57	AUX
cjrl-2282	330	98	this	this	DET
cjrl-2282	330	99	time	time	NOUN
cjrl-2282	330	100	period	period	NOUN
cjrl-2282	330	101	is	be	AUX
cjrl-2282	330	102	generally	generally	ADV
cjrl-2282	330	103	fast	fast	ADJ
cjrl-2282	330	104	approaching	approach	VERB
cjrl-2282	330	105	,	,	PUNCT
cjrl-2282	330	106	typically	typically	ADV
cjrl-2282	330	107	falling	fall	VERB
cjrl-2282	330	108	on	on	ADP
cjrl-2282	330	109	the	the	DET
cjrl-2282	330	110	borrower	borrower	NOUN
cjrl-2282	330	111	’s	’s	PART
cjrl-2282	330	112	next	next	ADJ
cjrl-2282	330	113	payday.58	payday.58	PROPN
cjrl-2282	330	114	alternatively	alternatively	ADV
cjrl-2282	330	115	(	(	PUNCT
cjrl-2282	330	116	and	and	CCONJ
cjrl-2282	330	117	commonly	commonly	ADV
cjrl-2282	330	118	)	)	PUNCT
cjrl-2282	330	119	,	,	PUNCT
cjrl-2282	330	120	the	the	DET
cjrl-2282	330	121	borrower	borrower	NOUN
cjrl-2282	330	122	can	can	AUX
cjrl-2282	330	123	choose	choose	VERB
cjrl-2282	330	124	to	to	PART
cjrl-2282	330	125	refinance	refinance	VERB
cjrl-2282	330	126	the	the	DET
cjrl-2282	330	127	amount	amount	NOUN
cjrl-2282	330	128	of	of	ADP
cjrl-2282	330	129	the	the	DET
cjrl-2282	330	130	loan	loan	NOUN
cjrl-2282	330	131	for	for	ADP
cjrl-2282	330	132	an	an	DET
cjrl-2282	330	133	additional	additional	ADJ
cjrl-2282	330	134	two	two	NUM
cjrl-2282	330	135	weeks	week	NOUN
cjrl-2282	330	136	if	if	SCONJ
cjrl-2282	330	137	the	the	DET
cjrl-2282	330	138	borrower	borrower	NOUN
cjrl-2282	330	139	pays	pay	VERB
cjrl-2282	330	140	a	a	DET
cjrl-2282	330	141	refinancing	refinancing	NOUN
cjrl-2282	330	142	fee	fee	NOUN
cjrl-2282	330	143	.	.	PUNCT
cjrl-2282	331	1	the	the	DET
cjrl-2282	331	2	process	process	NOUN
cjrl-2282	331	3	for	for	ADP
cjrl-2282	331	4	obtaining	obtain	VERB
cjrl-2282	331	5	a	a	DET
cjrl-2282	331	6	payday	payday	NOUN
cjrl-2282	331	7	loan	loan	NOUN
cjrl-2282	331	8	is	be	AUX
cjrl-2282	331	9	decidedly	decidedly	ADV
cjrl-2282	331	10	less	less	ADV
cjrl-2282	331	11	rigorous	rigorous	ADJ
cjrl-2282	331	12	than	than	ADP
cjrl-2282	331	13	the	the	DET
cjrl-2282	331	14	application	application	NOUN
cjrl-2282	331	15	process	process	NOUN
cjrl-2282	331	16	for	for	ADP
cjrl-2282	331	17	a	a	DET
cjrl-2282	331	18	loan	loan	NOUN
cjrl-2282	331	19	from	from	ADP
cjrl-2282	331	20	a	a	DET
cjrl-2282	331	21	mainstream	mainstream	ADJ
cjrl-2282	331	22	financial	financial	ADJ
cjrl-2282	331	23	institution	institution	NOUN
cjrl-2282	331	24	.	.	PUNCT
cjrl-2282	332	1	a	a	DET
cjrl-2282	332	2	payday	payday	PROPN
cjrl-2282	332	3	loan	loan	NOUN
cjrl-2282	332	4	applicant	applicant	NOUN
cjrl-2282	332	5	needs	need	VERB
cjrl-2282	332	6	only	only	ADV
cjrl-2282	332	7	to	to	PART
cjrl-2282	332	8	show	show	VERB
cjrl-2282	332	9	that	that	SCONJ
cjrl-2282	332	10	she	she	PRON
cjrl-2282	332	11	has	have	VERB
cjrl-2282	332	12	a	a	DET
cjrl-2282	332	13	bank	bank	NOUN
cjrl-2282	332	14	account	account	NOUN
cjrl-2282	332	15	and	and	CCONJ
cjrl-2282	332	16	that	that	SCONJ
cjrl-2282	332	17	she	she	PRON
cjrl-2282	332	18	is	be	AUX
cjrl-2282	332	19	currently	currently	ADV
cjrl-2282	332	20	employed.59	employed.59	VERB
cjrl-2282	332	21	in	in	ADP
cjrl-2282	332	22	1990	1990	NUM
cjrl-2282	332	23	,	,	PUNCT
cjrl-2282	332	24	regulation	regulation	NOUN
cjrl-2282	332	25	cc	cc	NOUN
cjrl-2282	332	26	went	go	VERB
cjrl-2282	332	27	into	into	ADP
cjrl-2282	332	28	effect	effect	NOUN
cjrl-2282	332	29	and	and	CCONJ
cjrl-2282	332	30	ushered	usher	VERB
cjrl-2282	332	31	in	in	ADP
cjrl-2282	332	32	the	the	DET
cjrl-2282	332	33	new	new	ADJ
cjrl-2282	332	34	availability	availability	NOUN
cjrl-2282	332	35	schedules	schedule	NOUN
cjrl-2282	332	36	that	that	PRON
cjrl-2282	332	37	reduced	reduce	VERB
cjrl-2282	332	38	,	,	PUNCT
cjrl-2282	332	39	if	if	SCONJ
cjrl-2282	332	40	not	not	PART
cjrl-2282	332	41	eliminated	eliminate	VERB
cjrl-2282	332	42	the	the	DET
cjrl-2282	332	43	float	float	ADJ
cjrl-2282	332	44	period	period	NOUN
cjrl-2282	332	45	for	for	ADP
cjrl-2282	332	46	consumers	consumer	NOUN
cjrl-2282	332	47	when	when	SCONJ
cjrl-2282	332	48	they	they	PRON
cjrl-2282	332	49	issued	issue	VERB
cjrl-2282	332	50	checks	check	NOUN
cjrl-2282	332	51	.	.	PUNCT
cjrl-2282	333	1	this	this	DET
cjrl-2282	333	2	new	new	ADJ
cjrl-2282	333	3	norm	norm	NOUN
cjrl-2282	333	4	also	also	ADV
cjrl-2282	333	5	meant	mean	VERB
cjrl-2282	333	6	that	that	SCONJ
cjrl-2282	333	7	consumers	consumer	NOUN
cjrl-2282	333	8	were	be	AUX
cjrl-2282	333	9	presented	present	VERB
cjrl-2282	333	10	with	with	ADP
cjrl-2282	333	11	a	a	DET
cjrl-2282	333	12	new	new	ADJ
cjrl-2282	333	13	dilemma	dilemma	NOUN
cjrl-2282	333	14	.	.	PUNCT
cjrl-2282	334	1	on	on	ADP
cjrl-2282	334	2	the	the	DET
cjrl-2282	334	3	one	one	NUM
cjrl-2282	334	4	hand	hand	NOUN
cjrl-2282	334	5	,	,	PUNCT
cjrl-2282	334	6	they	they	PRON
cjrl-2282	334	7	could	could	AUX
cjrl-2282	334	8	continue	continue	VERB
cjrl-2282	334	9	writing	write	VERB
cjrl-2282	334	10	checks	check	NOUN
cjrl-2282	334	11	just	just	ADV
cjrl-2282	334	12	as	as	SCONJ
cjrl-2282	334	13	they	they	PRON
cjrl-2282	334	14	had	have	VERB
cjrl-2282	334	15	before	before	SCONJ
cjrl-2282	334	16	the	the	DET
cjrl-2282	334	17	reforms	reform	NOUN
cjrl-2282	334	18	were	be	AUX
cjrl-2282	334	19	instituted	institute	VERB
cjrl-2282	334	20	.	.	PUNCT
cjrl-2282	335	1	however	however	ADV
cjrl-2282	335	2	,	,	PUNCT
cjrl-2282	335	3	doing	do	VERB
cjrl-2282	335	4	so	so	ADV
cjrl-2282	335	5	carried	carry	VERB
cjrl-2282	335	6	the	the	DET
cjrl-2282	335	7	real	real	ADJ
cjrl-2282	335	8	risk	risk	NOUN
cjrl-2282	335	9	of	of	ADP
cjrl-2282	335	10	bouncing	bounce	VERB
cjrl-2282	335	11	checks	check	NOUN
cjrl-2282	335	12	more	more	ADV
cjrl-2282	335	13	frequently	frequently	ADV
cjrl-2282	335	14	as	as	SCONJ
cjrl-2282	335	15	they	they	PRON
cjrl-2282	335	16	were	be	AUX
cjrl-2282	335	17	presented	present	VERB
cjrl-2282	335	18	for	for	ADP
cjrl-2282	335	19	payment	payment	NOUN
cjrl-2282	335	20	before	before	SCONJ
cjrl-2282	335	21	the	the	DET
cjrl-2282	335	22	funds	fund	NOUN
cjrl-2282	335	23	were	be	AUX
cjrl-2282	335	24	on	on	ADP
cjrl-2282	335	25	deposit	deposit	NOUN
cjrl-2282	335	26	to	to	PART
cjrl-2282	335	27	cover	cover	VERB
cjrl-2282	335	28	them	they	PRON
cjrl-2282	335	29	,	,	PUNCT
cjrl-2282	335	30	leading	lead	VERB
cjrl-2282	335	31	to	to	ADP
cjrl-2282	335	32	high	high	ADJ
cjrl-2282	335	33	returned	return	VERB
cjrl-2282	335	34	check	check	NOUN
cjrl-2282	335	35	fees	fee	NOUN
cjrl-2282	335	36	,	,	PUNCT
cjrl-2282	335	37	potential	potential	ADJ
cjrl-2282	335	38	social	social	ADJ
cjrl-2282	335	39	stigma	stigma	NOUN
cjrl-2282	335	40	,	,	PUNCT
cjrl-2282	335	41	inability	inability	NOUN
cjrl-2282	335	42	to	to	PART
cjrl-2282	335	43	access	access	VERB
cjrl-2282	335	44	other	other	ADJ
cjrl-2282	335	45	banking	banking	NOUN
cjrl-2282	335	46	services	service	NOUN
cjrl-2282	335	47	due	due	ADJ
cjrl-2282	335	48	to	to	ADP
cjrl-2282	335	49	being	be	AUX
cjrl-2282	335	50	seen	see	VERB
cjrl-2282	335	51	as	as	ADP
cjrl-2282	335	52	a	a	DET
cjrl-2282	335	53	credit	credit	NOUN
cjrl-2282	335	54	risk	risk	NOUN
cjrl-2282	335	55	,	,	PUNCT
cjrl-2282	335	56	and	and	CCONJ
cjrl-2282	335	57	the	the	DET
cjrl-2282	335	58	long	long	ADJ
cjrl-2282	335	59	-	-	PUNCT
cjrl-2282	335	60	term	term	NOUN
cjrl-2282	335	61	effects	effect	NOUN
cjrl-2282	335	62	of	of	ADP
cjrl-2282	335	63	a	a	DET
cjrl-2282	335	64	poor	poor	ADJ
cjrl-2282	335	65	credit	credit	NOUN
cjrl-2282	335	66	history.60	history.60	PROPN
cjrl-2282	335	67	on	on	ADP
cjrl-2282	335	68	the	the	DET
cjrl-2282	335	69	other	other	ADJ
cjrl-2282	335	70	hand	hand	NOUN
cjrl-2282	335	71	,	,	PUNCT
cjrl-2282	335	72	consumers	consumer	NOUN
cjrl-2282	335	73	could	could	AUX
cjrl-2282	335	74	avoid	avoid	VERB
cjrl-2282	335	75	the	the	DET
cjrl-2282	335	76	new	new	ADJ
cjrl-2282	335	77	fast	fast	ADJ
cjrl-2282	335	78	checks	check	NOUN
cjrl-2282	335	79	by	by	ADP
cjrl-2282	335	80	taking	take	VERB
cjrl-2282	335	81	advantage	advantage	NOUN
cjrl-2282	335	82	of	of	ADP
cjrl-2282	335	83	the	the	DET
cjrl-2282	335	84	ability	ability	NOUN
cjrl-2282	335	85	to	to	PART
cjrl-2282	335	86	obtain	obtain	VERB
cjrl-2282	335	87	cash	cash	NOUN
cjrl-2282	335	88	by	by	ADP
cjrl-2282	335	89	borrowing	borrow	VERB
cjrl-2282	335	90	against	against	ADP
cjrl-2282	335	91	their	their	PRON
cjrl-2282	335	92	next	next	ADJ
cjrl-2282	335	93	paycheck	paycheck	NOUN
cjrl-2282	335	94	through	through	ADP
cjrl-2282	335	95	a	a	DET
cjrl-2282	335	96	new	new	ADJ
cjrl-2282	335	97	arrival	arrival	NOUN
cjrl-2282	335	98	on	on	ADP
cjrl-2282	335	99	the	the	DET
cjrl-2282	335	100	cash	cash	NOUN
cjrl-2282	335	101	management	management	NOUN
cjrl-2282	335	102	scene	scene	NOUN
cjrl-2282	335	103	:	:	PUNCT
cjrl-2282	335	104	the	the	DET
cjrl-2282	335	105	payday	payday	PROPN
cjrl-2282	335	106	loan	loan	NOUN
cjrl-2282	335	107	.	.	PUNCT
cjrl-2282	336	1	historical	historical	ADJ
cjrl-2282	336	2	data	datum	NOUN
cjrl-2282	336	3	show	show	VERB
cjrl-2282	336	4	that	that	SCONJ
cjrl-2282	336	5	consumers	consumer	NOUN
cjrl-2282	336	6	overwhelmingly	overwhelmingly	ADV
cjrl-2282	336	7	chose	choose	VERB
cjrl-2282	336	8	this	this	DET
cjrl-2282	336	9	new	new	ADJ
cjrl-2282	336	10	option	option	NOUN
cjrl-2282	336	11	over	over	ADP
cjrl-2282	336	12	the	the	DET
cjrl-2282	336	13	option	option	NOUN
cjrl-2282	336	14	of	of	ADP
cjrl-2282	336	15	writing	write	VERB
cjrl-2282	336	16	checks	check	NOUN
cjrl-2282	336	17	and	and	CCONJ
cjrl-2282	336	18	incurring	incur	VERB
cjrl-2282	336	19	the	the	DET
cjrl-2282	336	20	risks	risk	NOUN
cjrl-2282	336	21	associated	associate	VERB
cjrl-2282	336	22	with	with	ADP
cjrl-2282	336	23	returned	return	VERB
cjrl-2282	336	24	checks	check	NOUN
cjrl-2282	336	25	.	.	PUNCT
cjrl-2282	337	1	52	52	NUM
cjrl-2282	337	2	i	i	PRON
cjrl-2282	337	3	d.	d.	PROPN
cjrl-2282	337	4	at	at	ADP
cjrl-2282	337	5	205	205	NUM
cjrl-2282	337	6	.	.	PUNCT
cjrl-2282	338	1	53	53	NUM
cjrl-2282	338	2	donald	donald	PROPN
cjrl-2282	338	3	p.	p.	PROPN
cjrl-2282	338	4	morgan	morgan	PROPN
cjrl-2282	338	5	&	&	CCONJ
cjrl-2282	338	6	michael	michael	PROPN
cjrl-2282	338	7	r.	r.	PROPN
cjrl-2282	338	8	strain	strain	PROPN
cjrl-2282	338	9	,	,	PUNCT
cjrl-2282	338	10	federal	federal	PROPN
cjrl-2282	338	11	reserve	reserve	PROPN
cjrl-2282	338	12	bank	bank	PROPN
cjrl-2282	338	13	of	of	ADP
cjrl-2282	338	14	new	new	PROPN
cjrl-2282	338	15	york	york	PROPN
cjrl-2282	338	16	,	,	PUNCT
cjrl-2282	338	17	payday	payday	NOUN
cjrl-2282	338	18	holiday	holiday	NOUN
cjrl-2282	338	19	:	:	PUNCT
cjrl-2282	338	20	how	how	SCONJ
cjrl-2282	338	21	households	household	NOUN
cjrl-2282	338	22	fare	fare	VERB
cjrl-2282	338	23	after	after	ADP
cjrl-2282	338	24	payday	payday	NOUN
cjrl-2282	338	25	credit	credit	NOUN
cjrl-2282	338	26	bans	ban	NOUN
cjrl-2282	338	27	9	9	NUM
cjrl-2282	338	28	(	(	PUNCT
cjrl-2282	338	29	2008	2008	NUM
cjrl-2282	338	30	)	)	PUNCT
cjrl-2282	338	31	,	,	PUNCT
cjrl-2282	338	32	available	available	ADJ
cjrl-2282	338	33	at	at	ADP
cjrl-2282	338	34	http://ssrn.com/abstract=1032621	http://ssrn.com/abstract=1032621	PROPN
cjrl-2282	338	35	.	.	PROPN
cjrl-2282	338	36	54	54	NUM
cjrl-2282	339	1	i	i	PRON
cjrl-2282	339	2	d.	d.	PROPN
cjrl-2282	339	3	55	55	NUM
cjrl-2282	339	4	see	see	VERB
cjrl-2282	339	5	payday	payday	NOUN
cjrl-2282	339	6	loans	loan	NOUN
cjrl-2282	339	7	equal	equal	ADJ
cjrl-2282	339	8	very	very	ADV
cjrl-2282	339	9	costly	costly	ADJ
cjrl-2282	339	10	cash	cash	NOUN
cjrl-2282	339	11	:	:	PUNCT
cjrl-2282	339	12	consumers	consumer	NOUN
cjrl-2282	339	13	urged	urge	VERB
cjrl-2282	339	14	to	to	PART
cjrl-2282	339	15	consider	consider	VERB
cjrl-2282	339	16	the	the	DET
cjrl-2282	339	17	alternatives	alternative	NOUN
cjrl-2282	339	18	,	,	PUNCT
cjrl-2282	339	19	fed	fed	PROPN
cjrl-2282	339	20	.	.	PUNCT
cjrl-2282	340	1	trade	trade	PROPN
cjrl-2282	340	2	commission	commission	PROPN
cjrl-2282	340	3	(	(	PUNCT
cjrl-2282	340	4	mar	mar	PROPN
cjrl-2282	340	5	.	.	PROPN
cjrl-2282	340	6	2008	2008	NUM
cjrl-2282	340	7	)	)	PUNCT
cjrl-2282	340	8	,	,	PUNCT
cjrl-2282	340	9	http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt060.shtm	http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt060.shtm	X
cjrl-2282	340	10	.	.	PUNCT
cjrl-2282	341	1	the	the	DET
cjrl-2282	341	2	typical	typical	ADJ
cjrl-2282	341	3	size	size	NOUN
cjrl-2282	341	4	of	of	ADP
cjrl-2282	341	5	a	a	DET
cjrl-2282	341	6	payday	payday	NOUN
cjrl-2282	341	7	loan	loan	NOUN
cjrl-2282	341	8	is	be	AUX
cjrl-2282	341	9	between	between	ADP
cjrl-2282	341	10	$	$	SYM
cjrl-2282	341	11	200	200	NUM
cjrl-2282	341	12	and	and	CCONJ
cjrl-2282	341	13	$	$	SYM
cjrl-2282	341	14	300	300	NUM
cjrl-2282	341	15	,	,	PUNCT
cjrl-2282	341	16	plus	plus	CCONJ
cjrl-2282	341	17	whatever	whatever	DET
cjrl-2282	341	18	finance	finance	NOUN
cjrl-2282	341	19	charge	charge	VERB
cjrl-2282	341	20	the	the	DET
cjrl-2282	341	21	lender	lender	NOUN
cjrl-2282	341	22	applies	apply	VERB
cjrl-2282	341	23	.	.	PUNCT
cjrl-2282	342	1	see	see	VERB
cjrl-2282	342	2	consumer	consumer	NOUN
cjrl-2282	342	3	credit	credit	NOUN
cjrl-2282	342	4	research	research	NOUN
cjrl-2282	342	5	foundation	foundation	PROPN
cjrl-2282	342	6	,	,	PUNCT
cjrl-2282	342	7	the	the	DET
cjrl-2282	342	8	payday	payday	NOUN
cjrl-2282	342	9	lending	lending	NOUN
cjrl-2282	342	10	factbook	factbook	NOUN
cjrl-2282	342	11	2	2	NUM
cjrl-2282	342	12	(	(	PUNCT
cjrl-2282	342	13	dec	dec	PROPN
cjrl-2282	342	14	.	.	PROPN
cjrl-2282	342	15	2004	2004	NUM
cjrl-2282	342	16	)	)	PUNCT
cjrl-2282	342	17	.	.	PUNCT
cjrl-2282	343	1	56	56	NUM
cjrl-2282	343	2	see	see	VERB
cjrl-2282	343	3	payday	payday	NOUN
cjrl-2282	343	4	loans	loan	NOUN
cjrl-2282	343	5	equal	equal	ADJ
cjrl-2282	343	6	very	very	ADV
cjrl-2282	343	7	costly	costly	ADJ
cjrl-2282	343	8	cash	cash	NOUN
cjrl-2282	343	9	,	,	PUNCT
cjrl-2282	343	10	supra	supra	PROPN
cjrl-2282	343	11	note	note	NOUN
cjrl-2282	343	12	55	55	NUM
cjrl-2282	343	13	.	.	PUNCT
cjrl-2282	344	1	57	57	NUM
cjrl-2282	345	1	i	i	PRON
cjrl-2282	345	2	d.	d.	PROPN
cjrl-2282	345	3	58	58	NUM
cjrl-2282	346	1	i	i	PRON
cjrl-2282	346	2	d.	d.	PROPN
cjrl-2282	346	3	59	59	NUM
cjrl-2282	346	4	see	see	VERB
cjrl-2282	346	5	consumer	consumer	NOUN
cjrl-2282	346	6	credit	credit	NOUN
cjrl-2282	346	7	research	research	NOUN
cjrl-2282	346	8	foundation	foundation	PROPN
cjrl-2282	346	9	,	,	PUNCT
cjrl-2282	346	10	supra	supra	PROPN
cjrl-2282	346	11	note	note	VERB
cjrl-2282	346	12	55	55	NUM
cjrl-2282	346	13	(	(	PUNCT
cjrl-2282	346	14	“	"	PUNCT
cjrl-2282	346	15	the	the	DET
cjrl-2282	346	16	borrower	borrower	NOUN
cjrl-2282	346	17	presents	present	VERB
cjrl-2282	346	18	identification	identification	NOUN
cjrl-2282	346	19	(	(	PUNCT
cjrl-2282	346	20	typically	typically	ADV
cjrl-2282	346	21	two	two	NUM
cjrl-2282	346	22	forms	form	NOUN
cjrl-2282	346	23	,	,	PUNCT
cjrl-2282	346	24	one	one	NUM
cjrl-2282	346	25	with	with	ADP
cjrl-2282	346	26	a	a	DET
cjrl-2282	346	27	photograph	photograph	NOUN
cjrl-2282	346	28	)	)	PUNCT
cjrl-2282	346	29	,	,	PUNCT
cjrl-2282	346	30	the	the	DET
cjrl-2282	346	31	most	most	ADV
cjrl-2282	346	32	recent	recent	ADJ
cjrl-2282	346	33	bank	bank	NOUN
cjrl-2282	346	34	statement	statement	NOUN
cjrl-2282	346	35	,	,	PUNCT
cjrl-2282	346	36	and	and	CCONJ
cjrl-2282	346	37	the	the	DET
cjrl-2282	346	38	latest	late	ADJ
cjrl-2282	346	39	pay	pay	NOUN
cjrl-2282	346	40	stub	stub	NOUN
cjrl-2282	346	41	;	;	PUNCT
cjrl-2282	346	42	all	all	PRON
cjrl-2282	346	43	are	be	AUX
cjrl-2282	346	44	typically	typically	ADV
cjrl-2282	346	45	required	require	VERB
cjrl-2282	346	46	to	to	PART
cjrl-2282	346	47	obtain	obtain	VERB
cjrl-2282	346	48	a	a	DET
cjrl-2282	346	49	loan	loan	NOUN
cjrl-2282	346	50	.	.	PUNCT
cjrl-2282	346	51	.	.	PUNCT
cjrl-2282	346	52	.	.	PUNCT
cjrl-2282	346	53	”	"	PUNCT
cjrl-2282	346	54	)	)	PUNCT
cjrl-2282	346	55	.	.	PUNCT
cjrl-2282	347	1	60	60	NUM
cjrl-2282	347	2	see	see	VERB
cjrl-2282	347	3	,	,	PUNCT
cjrl-2282	347	4	e.g.	e.g.	ADV
cjrl-2282	347	5	,	,	PUNCT
cjrl-2282	347	6	pew	pew	PROPN
cjrl-2282	347	7	health	health	PROPN
cjrl-2282	347	8	trust	trust	PROPN
cjrl-2282	347	9	,	,	PUNCT
cjrl-2282	347	10	unbanked	unbanke	VERB
cjrl-2282	347	11	by	by	ADP
cjrl-2282	347	12	choice	choice	NOUN
cjrl-2282	347	13	:	:	PUNCT
cjrl-2282	347	14	a	a	DET
cjrl-2282	347	15	look	look	NOUN
cjrl-2282	347	16	at	at	ADP
cjrl-2282	347	17	how	how	SCONJ
cjrl-2282	347	18	low	low	ADJ
cjrl-2282	347	19	-	-	PUNCT
cjrl-2282	347	20	income	income	NOUN
cjrl-2282	347	21	los	los	PROPN
cjrl-2282	347	22	angeles	angeles	PROPN
cjrl-2282	347	23	households	household	NOUN
cjrl-2282	347	24	manage	manage	VERB
cjrl-2282	347	25	the	the	DET
cjrl-2282	347	26	money	money	NOUN
cjrl-2282	347	27	they	they	PRON
cjrl-2282	347	28	earn	earn	VERB
cjrl-2282	347	29	11	11	NUM
cjrl-2282	347	30	(	(	PUNCT
cjrl-2282	347	31	2010	2010	NUM
cjrl-2282	347	32	)	)	PUNCT
cjrl-2282	347	33	(	(	PUNCT
cjrl-2282	347	34	finding	find	VERB
cjrl-2282	347	35	forty	forty	NUM
cjrl-2282	347	36	-	-	PUNCT
cjrl-2282	347	37	four	four	NUM
cjrl-2282	347	38	percent	percent	NOUN
cjrl-2282	347	39	of	of	ADP
cjrl-2282	347	40	banking	banking	NOUN
cjrl-2282	347	41	customers	customer	NOUN
cjrl-2282	347	42	were	be	AUX
cjrl-2282	347	43	charged	charge	VERB
cjrl-2282	347	44	late	late	ADJ
cjrl-2282	347	45	fee	fee	NOUN
cjrl-2282	347	46	,	,	PUNCT
cjrl-2282	347	47	and	and	CCONJ
cjrl-2282	347	48	eighteen	eighteen	NUM
cjrl-2282	347	49	percent	percent	NOUN
cjrl-2282	347	50	of	of	ADP
cjrl-2282	347	51	low	low	ADJ
cjrl-2282	347	52	-	-	PUNCT
cjrl-2282	347	53	income	income	NOUN
cjrl-2282	347	54	customers	customer	NOUN
cjrl-2282	347	55	in	in	ADP
cjrl-2282	347	56	economically	economically	ADV
cjrl-2282	347	57	distressed	distressed	ADJ
cjrl-2282	347	58	neighborhoods	neighborhood	NOUN
cjrl-2282	347	59	of	of	ADP
cjrl-2282	347	60	los	los	PROPN
cjrl-2282	347	61	angeles	angeles	PROPN
cjrl-2282	347	62	incurred	incur	VERB
cjrl-2282	347	63	late	late	ADJ
cjrl-2282	347	64	fee	fee	NOUN
cjrl-2282	347	65	charges	charge	NOUN
cjrl-2282	347	66	on	on	ADP
cjrl-2282	347	67	their	their	PRON
cjrl-2282	347	68	checking	check	VERB
cjrl-2282	347	69	accounts	account	NOUN
cjrl-2282	347	70	)	)	PUNCT
cjrl-2282	347	71	.	.	PUNCT
cjrl-2282	348	1	a	a	DET
cjrl-2282	348	2	similar	similar	ADJ
cjrl-2282	348	3	trend	trend	NOUN
cjrl-2282	348	4	in	in	ADP
cjrl-2282	348	5	credit	credit	NOUN
cjrl-2282	348	6	card	card	NOUN
cjrl-2282	348	7	late	late	ADJ
cjrl-2282	348	8	fees	fee	NOUN
cjrl-2282	348	9	and	and	CCONJ
cjrl-2282	348	10	rate	rate	NOUN
cjrl-2282	348	11	hikes	hike	NOUN
cjrl-2282	348	12	resulting	result	VERB
cjrl-2282	348	13	from	from	ADP
cjrl-2282	348	14	late	late	ADJ
cjrl-2282	348	15	payments	payment	NOUN
cjrl-2282	348	16	prompted	prompt	VERB
cjrl-2282	348	17	a	a	DET
cjrl-2282	348	18	congressional	congressional	ADJ
cjrl-2282	348	19	response	response	NOUN
cjrl-2282	348	20	.	.	PUNCT
cjrl-2282	349	1	see	see	VERB
cjrl-2282	349	2	,	,	PUNCT
cjrl-2282	349	3	e.g.	e.g.	ADV
cjrl-2282	349	4	,	,	PUNCT
cjrl-2282	349	5	the	the	DET
cjrl-2282	349	6	credit	credit	NOUN
cjrl-2282	349	7	act	act	NOUN
cjrl-2282	349	8	:	:	PUNCT
cjrl-2282	349	9	it	it	PRON
cjrl-2282	349	10	’s	’	VERB
cjrl-2282	349	11	working	work	VERB
cjrl-2282	349	12	,	,	PUNCT
cjrl-2282	349	13	demos	demos	PROPN
cjrl-2282	349	14	,	,	PUNCT
cjrl-2282	349	15	http://www.demos.org/sites/default/files/publications/credit%20card%20act%20successes%20-%20demos.pdf	http://www.demos.org/sites/default/files/publications/credit%20card%20act%20successes%20-%20demos.pdf	PUNCT
cjrl-2282	349	16	(	(	PUNCT
cjrl-2282	349	17	last	last	ADV
cjrl-2282	349	18	visited	visit	VERB
cjrl-2282	349	19	nov	nov	PROPN
cjrl-2282	349	20	.	.	PROPN
cjrl-2282	349	21	25	25	NUM
cjrl-2282	349	22	,	,	PUNCT
cjrl-2282	349	23	2012	2012	NUM
cjrl-2282	349	24	)	)	PUNCT
cjrl-2282	349	25	.	.	PUNCT
cjrl-2282	350	1	specifically	specifically	ADV
cjrl-2282	350	2	,	,	PUNCT
cjrl-2282	350	3	demos	demo	NOUN
cjrl-2282	350	4	found	find	VERB
cjrl-2282	350	5	that	that	SCONJ
cjrl-2282	350	6	in	in	ADP
cjrl-2282	350	7	2008	2008	NUM
cjrl-2282	350	8	,	,	PUNCT
cjrl-2282	350	9	fifty	fifty	NUM
cjrl-2282	350	10	-	-	PUNCT
cjrl-2282	350	11	two	two	NUM
cjrl-2282	350	12	percent	percent	NOUN
cjrl-2282	350	13	of	of	ADP
cjrl-2282	350	14	credit	credit	NOUN
cjrl-2282	350	15	card	card	NOUN
cjrl-2282	350	16	holders	holder	NOUN
cjrl-2282	350	17	experienced	experience	VERB
cjrl-2282	350	18	a	a	DET
cjrl-2282	350	19	late	late	ADJ
cjrl-2282	350	20	fee	fee	NOUN
cjrl-2282	350	21	,	,	PUNCT
cjrl-2282	350	22	and	and	CCONJ
cjrl-2282	350	23	fifty	fifty	NUM
cjrl-2282	350	24	-	-	PUNCT
cjrl-2282	350	25	three	three	NUM
cjrl-2282	350	26	percent	percent	NOUN
cjrl-2282	350	27	experienced	experience	VERB
cjrl-2282	350	28	a	a	DET
cjrl-2282	350	29	rate	rate	NOUN
cjrl-2282	350	30	hike	hike	NOUN
cjrl-2282	350	31	,	,	PUNCT
cjrl-2282	350	32	as	as	ADP
cjrl-2282	350	33	a	a	DET
cjrl-2282	350	34	result	result	NOUN
cjrl-2282	350	35	of	of	ADP
cjrl-2282	350	36	missing	miss	VERB
cjrl-2282	350	37	a	a	DET
cjrl-2282	350	38	payment	payment	NOUN
cjrl-2282	350	39	.	.	PUNCT
cjrl-2282	351	1	i	i	PRON
cjrl-2282	351	2	d.	d.	PROPN
cjrl-2282	351	3	in	in	ADP
cjrl-2282	351	4	2012	2012	NUM
cjrl-2282	351	5	,	,	PUNCT
cjrl-2282	351	6	after	after	ADP
cjrl-2282	351	7	passage	passage	NOUN
cjrl-2282	351	8	of	of	ADP
cjrl-2282	351	9	the	the	DET
cjrl-2282	351	10	card	card	NOUN
cjrl-2282	351	11	act	act	NOUN
cjrl-2282	351	12	,	,	PUNCT
cjrl-2282	351	13	which	which	PRON
cjrl-2282	351	14	required	require	VERB
cjrl-2282	351	15	that	that	PRON
cjrl-2282	351	16	card	card	NOUN
cjrl-2282	351	17	issuers	issuer	NOUN
cjrl-2282	351	18	wait	wait	VERB
cjrl-2282	351	19	at	at	ADV
cjrl-2282	351	20	least	least	ADJ
cjrl-2282	351	21	twenty	twenty	NUM
cjrl-2282	351	22	-	-	PUNCT
cjrl-2282	351	23	one	one	NUM
cjrl-2282	351	24	days	day	NOUN
cjrl-2282	351	25	after	after	ADP
cjrl-2282	351	26	a	a	DET
cjrl-2282	351	27	delinquent	delinquent	ADJ
cjrl-2282	351	28	payment	payment	NOUN
cjrl-2282	351	29	before	before	ADP
cjrl-2282	351	30	charging	charge	VERB
cjrl-2282	351	31	a	a	DET
cjrl-2282	351	32	late	late	ADJ
cjrl-2282	351	33	fee	fee	NOUN
cjrl-2282	351	34	or	or	CCONJ
cjrl-2282	351	35	exacting	exact	VERB
cjrl-2282	351	36	a	a	DET
cjrl-2282	351	37	rate	rate	NOUN
cjrl-2282	351	38	hike	hike	NOUN
cjrl-2282	351	39	,	,	PUNCT
cjrl-2282	351	40	instances	instance	NOUN
cjrl-2282	351	41	of	of	ADP
cjrl-2282	351	42	consumers	consumer	NOUN
cjrl-2282	351	43	experiencing	experience	VERB
cjrl-2282	351	44	late	late	ADJ
cjrl-2282	351	45	fees	fee	NOUN
cjrl-2282	351	46	and	and	CCONJ
cjrl-2282	351	47	rate	rate	NOUN
cjrl-2282	351	48	hikes	hike	NOUN
cjrl-2282	351	49	fell	fall	VERB
cjrl-2282	351	50	to	to	PART
cjrl-2282	351	51	twentyeight	twentyeight	ADJ
cjrl-2282	351	52	and	and	CCONJ
cjrl-2282	351	53	twenty	twenty	NUM
cjrl-2282	351	54	-	-	PUNCT
cjrl-2282	351	55	nine	nine	NUM
cjrl-2282	351	56	percent	percent	NOUN
cjrl-2282	351	57	,	,	PUNCT
cjrl-2282	351	58	respectively	respectively	ADV
cjrl-2282	351	59	.	.	PUNCT
cjrl-2282	352	1	i	i	PRON
cjrl-2282	352	2	d.	d.	PROPN
cjrl-2282	352	3	2013	2013	NUM
cjrl-2282	352	4	columbia	columbia	PROPN
cjrl-2282	352	5	journal	journal	PROPN
cjrl-2282	352	6	of	of	ADP
cjrl-2282	352	7	race	race	NOUN
cjrl-2282	352	8	and	and	CCONJ
cjrl-2282	352	9	law	law	NOUN
cjrl-2282	352	10	87	87	NUM
cjrl-2282	352	11	the	the	DET
cjrl-2282	352	12	data	datum	NOUN
cjrl-2282	352	13	referenced	reference	VERB
cjrl-2282	352	14	above	above	ADV
cjrl-2282	352	15	is	be	AUX
cjrl-2282	352	16	exclusively	exclusively	ADV
cjrl-2282	352	17	temporal	temporal	ADJ
cjrl-2282	352	18	,	,	PUNCT
cjrl-2282	352	19	measuring	measure	VERB
cjrl-2282	352	20	the	the	DET
cjrl-2282	352	21	number	number	NOUN
cjrl-2282	352	22	of	of	ADP
cjrl-2282	352	23	payday	payday	NOUN
cjrl-2282	352	24	loan	loan	NOUN
cjrl-2282	352	25	shops	shop	NOUN
cjrl-2282	352	26	in	in	ADP
cjrl-2282	352	27	existence	existence	NOUN
cjrl-2282	352	28	after	after	SCONJ
cjrl-2282	352	29	the	the	DET
cjrl-2282	352	30	check	check	NOUN
cjrl-2282	352	31	clearing	clearing	NOUN
cjrl-2282	352	32	reforms	reform	NOUN
cjrl-2282	352	33	went	go	VERB
cjrl-2282	352	34	into	into	ADP
cjrl-2282	352	35	effect	effect	NOUN
cjrl-2282	352	36	.	.	PUNCT
cjrl-2282	353	1	following	follow	VERB
cjrl-2282	353	2	those	those	DET
cjrl-2282	353	3	reforms	reform	NOUN
cjrl-2282	353	4	,	,	PUNCT
cjrl-2282	353	5	the	the	DET
cjrl-2282	353	6	number	number	NOUN
cjrl-2282	353	7	of	of	ADP
cjrl-2282	353	8	payday	payday	NOUN
cjrl-2282	353	9	loan	loan	NOUN
cjrl-2282	353	10	shops	shop	NOUN
cjrl-2282	353	11	,	,	PUNCT
cjrl-2282	353	12	and	and	CCONJ
cjrl-2282	353	13	consumer	consumer	NOUN
cjrl-2282	353	14	demand	demand	NOUN
cjrl-2282	353	15	for	for	ADP
cjrl-2282	353	16	payday	payday	NOUN
cjrl-2282	353	17	loans	loan	NOUN
cjrl-2282	353	18	,	,	PUNCT
cjrl-2282	353	19	experienced	experience	VERB
cjrl-2282	353	20	unprecedented	unprecedented	ADJ
cjrl-2282	353	21	growth.61	growth.61	NOUN
cjrl-2282	353	22	specifically	specifically	ADV
cjrl-2282	353	23	,	,	PUNCT
cjrl-2282	353	24	consumers	consumer	NOUN
cjrl-2282	353	25	have	have	AUX
cjrl-2282	353	26	increasingly	increasingly	ADV
cjrl-2282	353	27	sought	seek	VERB
cjrl-2282	353	28	short	short	ADJ
cjrl-2282	353	29	-	-	PUNCT
cjrl-2282	353	30	term	term	NOUN
cjrl-2282	353	31	bridge	bridge	NOUN
cjrl-2282	353	32	loans	loan	NOUN
cjrl-2282	353	33	secured	secure	VERB
cjrl-2282	353	34	by	by	ADP
cjrl-2282	353	35	their	their	PRON
cjrl-2282	353	36	next	next	ADJ
cjrl-2282	353	37	paycheck	paycheck	NOUN
cjrl-2282	353	38	as	as	ADP
cjrl-2282	353	39	a	a	DET
cjrl-2282	353	40	way	way	NOUN
cjrl-2282	353	41	of	of	ADP
cjrl-2282	353	42	meeting	meet	VERB
cjrl-2282	353	43	very	very	ADV
cjrl-2282	353	44	short	short	ADJ
cjrl-2282	353	45	-	-	PUNCT
cjrl-2282	353	46	term	term	NOUN
cjrl-2282	353	47	cash	cash	NOUN
cjrl-2282	353	48	shortages	shortage	NOUN
cjrl-2282	353	49	needed	need	VERB
cjrl-2282	353	50	to	to	PART
cjrl-2282	353	51	pay	pay	VERB
cjrl-2282	353	52	for	for	ADP
cjrl-2282	353	53	routine	routine	ADJ
cjrl-2282	353	54	household	household	NOUN
cjrl-2282	353	55	purchases	purchase	NOUN
cjrl-2282	353	56	.	.	PUNCT
cjrl-2282	354	1	this	this	DET
cjrl-2282	354	2	rise	rise	NOUN
cjrl-2282	354	3	in	in	ADP
cjrl-2282	354	4	use	use	NOUN
cjrl-2282	354	5	of	of	ADP
cjrl-2282	354	6	payday	payday	NOUN
cjrl-2282	354	7	loans	loan	NOUN
cjrl-2282	354	8	has	have	AUX
cjrl-2282	354	9	closely	closely	ADV
cjrl-2282	354	10	tracked	track	VERB
cjrl-2282	354	11	a	a	DET
cjrl-2282	354	12	corresponding	corresponding	ADJ
cjrl-2282	354	13	decline	decline	NOUN
cjrl-2282	354	14	in	in	ADP
cjrl-2282	354	15	the	the	DET
cjrl-2282	354	16	use	use	NOUN
cjrl-2282	354	17	of	of	ADP
cjrl-2282	354	18	checks.62	checks.62	NOUN
cjrl-2282	354	19	below	below	ADV
cjrl-2282	354	20	is	be	AUX
cjrl-2282	354	21	a	a	DET
cjrl-2282	354	22	chart	chart	NOUN
cjrl-2282	354	23	illustrating	illustrate	VERB
cjrl-2282	354	24	this	this	DET
cjrl-2282	354	25	temporal	temporal	ADJ
cjrl-2282	354	26	data	datum	NOUN
cjrl-2282	354	27	.	.	PUNCT
cjrl-2282	355	1	payday	payday	NOUN
cjrl-2282	355	2	lenders	lender	NOUN
cjrl-2282	355	3	appear	appear	VERB
cjrl-2282	355	4	to	to	PART
cjrl-2282	355	5	have	have	AUX
cjrl-2282	355	6	grasped	grasp	VERB
cjrl-2282	355	7	what	what	PRON
cjrl-2282	355	8	banks	bank	NOUN
cjrl-2282	355	9	have	have	VERB
cjrl-2282	355	10	not	not	PART
cjrl-2282	355	11	:	:	PUNCT
cjrl-2282	355	12	that	that	SCONJ
cjrl-2282	355	13	consumers	consumer	NOUN
cjrl-2282	355	14	enjoy	enjoy	VERB
cjrl-2282	355	15	and	and	CCONJ
cjrl-2282	355	16	need	need	VERB
cjrl-2282	355	17	a	a	DET
cjrl-2282	355	18	replacement	replacement	NOUN
cjrl-2282	355	19	for	for	ADP
cjrl-2282	355	20	float	float	NOUN
cjrl-2282	355	21	in	in	ADP
cjrl-2282	355	22	their	their	PRON
cjrl-2282	355	23	short	short	ADJ
cjrl-2282	355	24	-	-	PUNCT
cjrl-2282	355	25	term	term	NOUN
cjrl-2282	355	26	cash	cash	NOUN
cjrl-2282	355	27	management	management	NOUN
cjrl-2282	355	28	options	option	NOUN
cjrl-2282	355	29	.	.	PUNCT
cjrl-2282	356	1	further	far	ADV
cjrl-2282	356	2	,	,	PUNCT
cjrl-2282	356	3	as	as	SCONJ
cjrl-2282	356	4	is	be	AUX
cjrl-2282	356	5	common	common	ADJ
cjrl-2282	356	6	knowledge	knowledge	NOUN
cjrl-2282	356	7	,	,	PUNCT
cjrl-2282	356	8	the	the	DET
cjrl-2282	356	9	average	average	ADJ
cjrl-2282	356	10	american	american	ADJ
cjrl-2282	356	11	worker	worker	NOUN
cjrl-2282	356	12	is	be	AUX
cjrl-2282	356	13	customarily	customarily	ADV
cjrl-2282	356	14	paid	pay	VERB
cjrl-2282	356	15	bi	bi	NOUN
cjrl-2282	356	16	-	-	ADJ
cjrl-2282	356	17	weekly	weekly	ADJ
cjrl-2282	356	18	.	.	PUNCT
cjrl-2282	357	1	this	this	PRON
cjrl-2282	357	2	is	be	AUX
cjrl-2282	357	3	close	close	ADJ
cjrl-2282	357	4	to	to	ADP
cjrl-2282	357	5	the	the	DET
cjrl-2282	357	6	average	average	ADJ
cjrl-2282	357	7	length	length	NOUN
cjrl-2282	357	8	of	of	ADP
cjrl-2282	357	9	time	time	NOUN
cjrl-2282	357	10	it	it	PRON
cjrl-2282	357	11	traditionally	traditionally	ADV
cjrl-2282	357	12	would	would	AUX
cjrl-2282	357	13	take	take	VERB
cjrl-2282	357	14	to	to	PART
cjrl-2282	357	15	present	present	VERB
cjrl-2282	357	16	and	and	CCONJ
cjrl-2282	357	17	pay	pay	VERB
cjrl-2282	357	18	a	a	DET
cjrl-2282	357	19	check	check	NOUN
cjrl-2282	357	20	prior	prior	ADV
cjrl-2282	357	21	to	to	ADP
cjrl-2282	357	22	the	the	DET
cjrl-2282	357	23	reforms	reform	NOUN
cjrl-2282	357	24	.	.	PUNCT
cjrl-2282	358	1	check	check	NOUN
cjrl-2282	358	2	use	use	NOUN
cjrl-2282	358	3	,	,	PUNCT
cjrl-2282	358	4	which	which	PRON
cjrl-2282	358	5	still	still	ADV
cjrl-2282	358	6	remains	remain	VERB
cjrl-2282	358	7	the	the	DET
cjrl-2282	358	8	leading	lead	VERB
cjrl-2282	358	9	method	method	NOUN
cjrl-2282	358	10	of	of	ADP
cjrl-2282	358	11	payment	payment	NOUN
cjrl-2282	358	12	behind	behind	ADP
cjrl-2282	358	13	cash	cash	NOUN
cjrl-2282	358	14	,	,	PUNCT
cjrl-2282	358	15	has	have	AUX
cjrl-2282	358	16	continued	continue	VERB
cjrl-2282	358	17	to	to	PART
cjrl-2282	358	18	decline	decline	VERB
cjrl-2282	358	19	while	while	SCONJ
cjrl-2282	358	20	the	the	DET
cjrl-2282	358	21	number	number	NOUN
cjrl-2282	358	22	of	of	ADP
cjrl-2282	358	23	payday	payday	NOUN
cjrl-2282	358	24	stores	store	NOUN
cjrl-2282	358	25	increased	increase	VERB
cjrl-2282	358	26	by	by	ADP
cjrl-2282	358	27	more	more	ADJ
cjrl-2282	358	28	than	than	ADP
cjrl-2282	358	29	4800	4800	NUM
cjrl-2282	358	30	%	%	NOUN
cjrl-2282	358	31	as	as	ADP
cjrl-2282	358	32	of	of	ADP
cjrl-2282	358	33	1997	1997	NUM
cjrl-2282	358	34	in	in	ADP
cjrl-2282	358	35	the	the	DET
cjrl-2282	358	36	years	year	NOUN
cjrl-2282	358	37	following	follow	VERB
cjrl-2282	358	38	the	the	DET
cjrl-2282	358	39	introduction	introduction	NOUN
cjrl-2282	358	40	of	of	ADP
cjrl-2282	358	41	reg	reg	NOUN
cjrl-2282	358	42	.	.	PUNCT
cjrl-2282	359	1	cc.63	cc.63	ADJ
cjrl-2282	359	2	from	from	ADP
cjrl-2282	359	3	61	61	NUM
cjrl-2282	359	4	see	see	NOUN
cjrl-2282	359	5	cpss	cpss	NOUN
cjrl-2282	359	6	–	–	PUNCT
cjrl-2282	359	7	red	red	ADJ
cjrl-2282	359	8	book	book	NOUN
cjrl-2282	359	9	statistical	statistical	ADJ
cjrl-2282	359	10	update	update	NOUN
cjrl-2282	359	11	,	,	PUNCT
cjrl-2282	359	12	bank	bank	NOUN
cjrl-2282	359	13	for	for	ADP
cjrl-2282	359	14	int’l	int’l	NUM
cjrl-2282	359	15	settlements	settlement	NOUN
cjrl-2282	359	16	(	(	PUNCT
cjrl-2282	359	17	apr	apr	PROPN
cjrl-2282	359	18	.	.	NOUN
cjrl-2282	359	19	2003	2003	NUM
cjrl-2282	359	20	)	)	PUNCT
cjrl-2282	359	21	http://www.bis.org/publ/cpss54p2.pdf	http://www.bis.org/publ/cpss54p2.pdf	NOUN
cjrl-2282	359	22	;	;	PUNCT
cjrl-2282	359	23	cpss	cpss	PROPN
cjrl-2282	359	24	–	–	PUNCT
cjrl-2282	359	25	red	red	ADJ
cjrl-2282	359	26	book	book	NOUN
cjrl-2282	359	27	statistical	statistical	ADJ
cjrl-2282	359	28	update	update	NOUN
cjrl-2282	359	29	,	,	PUNCT
cjrl-2282	359	30	bank	bank	NOUN
cjrl-2282	359	31	for	for	ADP
cjrl-2282	359	32	int’l	int’l	NUM
cjrl-2282	359	33	settlements	settlement	NOUN
cjrl-2282	359	34	(	(	PUNCT
cjrl-2282	359	35	mar	mar	PROPN
cjrl-2282	359	36	.	.	PROPN
cjrl-2282	359	37	2008	2008	NUM
cjrl-2282	359	38	)	)	PUNCT
cjrl-2282	359	39	http://www.bis.org/publ/cpss82p2.pdf	http://www.bis.org/publ/cpss82p2.pdf	PROPN
cjrl-2282	359	40	;	;	PUNCT
cjrl-2282	359	41	cpss	cpss	PROPN
cjrl-2282	359	42	–	–	PUNCT
cjrl-2282	359	43	red	red	ADJ
cjrl-2282	359	44	book	book	NOUN
cjrl-2282	359	45	statistical	statistical	ADJ
cjrl-2282	359	46	update	update	NOUN
cjrl-2282	359	47	,	,	PUNCT
cjrl-2282	359	48	bank	bank	NOUN
cjrl-2282	359	49	for	for	ADP
cjrl-2282	359	50	int’l	int’l	NUM
cjrl-2282	359	51	settlements	settlement	NOUN
cjrl-2282	359	52	(	(	PUNCT
cjrl-2282	359	53	sept	sept	PROPN
cjrl-2282	359	54	.	.	PROPN
cjrl-2282	359	55	2012	2012	NUM
cjrl-2282	359	56	)	)	PUNCT
cjrl-2282	359	57	http://www.bis.org/publ/cpss104.pdf	http://www.bis.org/publ/cpss104.pdf	NOUN
cjrl-2282	359	58	;	;	PUNCT
cjrl-2282	359	59	profiting	profit	VERB
cjrl-2282	359	60	from	from	ADP
cjrl-2282	359	61	poverty	poverty	NOUN
cjrl-2282	359	62	,	,	PUNCT
cjrl-2282	359	63	nat’l	nat’l	NUM
cjrl-2282	359	64	people	people	NOUN
cjrl-2282	359	65	’s	’s	PART
cjrl-2282	359	66	action	action	NOUN
cjrl-2282	359	67	(	(	PUNCT
cjrl-2282	359	68	jan	jan	PROPN
cjrl-2282	359	69	.	.	PROPN
cjrl-2282	359	70	2012	2012	NUM
cjrl-2282	359	71	)	)	PUNCT
cjrl-2282	359	72	http://www.npaus.org/files/profiting_from_poverty_npa_payday_loan_report_jan_2012_0.pdf	http://www.npaus.org/files/profiting_from_poverty_npa_payday_loan_report_jan_2012_0.pdf	NOUN
cjrl-2282	359	73	;	;	PUNCT
cjrl-2282	359	74	see	see	VERB
cjrl-2282	359	75	also	also	ADV
cjrl-2282	359	76	robin	robin	PROPN
cjrl-2282	359	77	a.	a.	PROPN
cjrl-2282	359	78	prager	prager	PROPN
cjrl-2282	359	79	,	,	PUNCT
cjrl-2282	359	80	determinants	determinant	NOUN
cjrl-2282	359	81	of	of	ADP
cjrl-2282	359	82	locations	location	NOUN
cjrl-2282	359	83	of	of	ADP
cjrl-2282	359	84	payday	payday	NOUN
cjrl-2282	359	85	lenders	lender	NOUN
cjrl-2282	359	86	,	,	PUNCT
cjrl-2282	359	87	pawnshops	pawnshop	NOUN
cjrl-2282	359	88	,	,	PUNCT
cjrl-2282	359	89	and	and	CCONJ
cjrl-2282	359	90	check	check	NOUN
cjrl-2282	359	91	-	-	PUNCT
cjrl-2282	359	92	cashing	cash	VERB
cjrl-2282	359	93	outlets	outlet	NOUN
cjrl-2282	359	94	,	,	PUNCT
cjrl-2282	359	95	fed	fed	PROPN
cjrl-2282	359	96	.	.	PROPN
cjrl-2282	359	97	reserve	reserve	PROPN
cjrl-2282	359	98	board	board	PROPN
cjrl-2282	359	99	(	(	PUNCT
cjrl-2282	359	100	jun	jun	PROPN
cjrl-2282	359	101	.	.	PROPN
cjrl-2282	359	102	2009	2009	NUM
cjrl-2282	359	103	)	)	PUNCT
cjrl-2282	359	104	,	,	PUNCT
cjrl-2282	359	105	http://www.federalreserve.gov/pubs/feds/2009/200933/200933pap.pdf	http://www.federalreserve.gov/pubs/feds/2009/200933/200933pap.pdf	PROPN
cjrl-2282	359	106	.	.	NOUN
cjrl-2282	359	107	year	year	NOUN
cjrl-2282	359	108	total	total	ADJ
cjrl-2282	359	109	number	number	NOUN
cjrl-2282	359	110	of	of	ADP
cjrl-2282	359	111	transactions	transaction	NOUN
cjrl-2282	359	112	by	by	ADP
cjrl-2282	359	113	check	check	NOUN
cjrl-2282	359	114	(	(	PUNCT
cjrl-2282	359	115	millions	million	NOUN
cjrl-2282	359	116	)	)	PUNCT
cjrl-2282	359	117	payday	payday	NOUN
cjrl-2282	359	118	loan	loan	NOUN
cjrl-2282	359	119	stores	store	NOUN
cjrl-2282	359	120	(	(	PUNCT
cjrl-2282	359	121	thousands	thousand	NOUN
cjrl-2282	359	122	)	)	PUNCT
cjrl-2282	359	123	1997	1997	NUM
cjrl-2282	359	124	46,569.4	46,569.4	NUM
cjrl-2282	359	125	approximately	approximately	ADV
cjrl-2282	359	126	2000	2000	NUM
cjrl-2282	359	127	1998	1998	NUM
cjrl-2282	359	128	45169.7	45169.7	NUM
cjrl-2282	359	129	approximately	approximately	ADV
cjrl-2282	359	130	5000	5000	NUM
cjrl-2282	359	131	1999	1999	NUM
cjrl-2282	359	132	43,812.1	43,812.1	NOUN
cjrl-2282	359	133	approximately	approximately	ADV
cjrl-2282	359	134	6000	6000	NUM
cjrl-2282	359	135	2000	2000	NUM
cjrl-2282	359	136	42,500	42,500	NUM
cjrl-2282	359	137	approximately	approximately	ADV
cjrl-2282	359	138	8500	8500	NUM
cjrl-2282	359	139	2001	2001	NUM
cjrl-2282	359	140	41,222.6	41,222.6	X
cjrl-2282	360	1	approximately	approximately	ADV
cjrl-2282	360	2	12000	12000	NUM
cjrl-2282	360	3	2002	2002	NUM
cjrl-2282	360	4	38,821.2	38,821.2	NUM
cjrl-2282	360	5	approximately	approximately	ADV
cjrl-2282	360	6	14000	14000	NUM
cjrl-2282	360	7	2003	2003	NUM
cjrl-2282	360	8	37.281.9	37.281.9	NUM
cjrl-2282	360	9	approximately	approximately	ADV
cjrl-2282	360	10	20000	20000	NUM
cjrl-2282	360	11	2004	2004	NUM
cjrl-2282	360	12	35,040.4	35,040.4	NUM
cjrl-2282	361	1	approximately	approximately	ADV
cjrl-2282	361	2	21,000	21,000	NUM
cjrl-2282	361	3	2005	2005	NUM
cjrl-2282	361	4	32,798.9	32,798.9	NUM
cjrl-2282	361	5	approximately	approximately	ADV
cjrl-2282	361	6	22000	22000	NUM
cjrl-2282	361	7	2006	2006	NUM
cjrl-2282	361	8	30,557.4	30,557.4	NUM
cjrl-2282	361	9	approximately	approximately	ADV
cjrl-2282	361	10	23,000	23,000	NUM
cjrl-2282	361	11	2007	2007	NUM
cjrl-2282	361	12	27,955.4	27,955.4	NUM
cjrl-2282	361	13	approximately	approximately	ADV
cjrl-2282	361	14	24500	24500	NUM
cjrl-2282	361	15	2008	2008	NUM
cjrl-2282	361	16	26,054.2	26,054.2	NOUN
cjrl-2282	361	17	approximately	approximately	ADV
cjrl-2282	361	18	24500	24500	NUM
cjrl-2282	361	19	2009	2009	NUM
cjrl-2282	361	20	24,464.9	24,464.9	NUM
cjrl-2282	361	21	approximately	approximately	ADV
cjrl-2282	361	22	23000	23000	NUM
cjrl-2282	361	23	2010	2010	NUM
cjrl-2282	361	24	22,838.6	22,838.6	NUM
cjrl-2282	361	25	approximately	approximately	ADV
cjrl-2282	361	26	19700	19700	NUM
cjrl-2282	361	27	2011	2011	NUM
cjrl-2282	361	28	21,276.9	21,276.9	NUM
cjrl-2282	361	29	approximately	approximately	ADV
cjrl-2282	361	30	20000	20000	NUM
cjrl-2282	361	31	the	the	DET
cjrl-2282	361	32	decline	decline	NOUN
cjrl-2282	361	33	in	in	ADP
cjrl-2282	361	34	payday	payday	NOUN
cjrl-2282	361	35	lending	lending	NOUN
cjrl-2282	361	36	stores	store	NOUN
cjrl-2282	361	37	which	which	PRON
cjrl-2282	361	38	began	begin	VERB
cjrl-2282	361	39	around	around	ADP
cjrl-2282	361	40	2007	2007	NUM
cjrl-2282	361	41	is	be	AUX
cjrl-2282	361	42	attributable	attributable	ADJ
cjrl-2282	361	43	in	in	ADP
cjrl-2282	361	44	part	part	NOUN
cjrl-2282	361	45	to	to	ADP
cjrl-2282	361	46	increased	increase	VERB
cjrl-2282	361	47	regulation	regulation	NOUN
cjrl-2282	361	48	of	of	ADP
cjrl-2282	361	49	payday	payday	NOUN
cjrl-2282	361	50	lending	lending	NOUN
cjrl-2282	361	51	in	in	ADP
cjrl-2282	361	52	some	some	DET
cjrl-2282	361	53	states	state	NOUN
cjrl-2282	361	54	.	.	PUNCT
cjrl-2282	362	1	62	62	NUM
cjrl-2282	362	2	there	there	PRON
cjrl-2282	362	3	are	be	VERB
cjrl-2282	362	4	very	very	ADV
cjrl-2282	362	5	few	few	ADJ
cjrl-2282	362	6	alternatives	alternative	NOUN
cjrl-2282	362	7	to	to	ADP
cjrl-2282	362	8	short	short	ADJ
cjrl-2282	362	9	term	term	NOUN
cjrl-2282	362	10	bridge	bridge	NOUN
cjrl-2282	362	11	loans	loan	NOUN
cjrl-2282	362	12	.	.	PUNCT
cjrl-2282	363	1	the	the	DET
cjrl-2282	363	2	examples	example	NOUN
cjrl-2282	363	3	commonly	commonly	ADV
cjrl-2282	363	4	mentioned	mention	VERB
cjrl-2282	363	5	include	include	VERB
cjrl-2282	363	6	pawn	pawn	NOUN
cjrl-2282	363	7	shops	shop	NOUN
cjrl-2282	363	8	,	,	PUNCT
cjrl-2282	363	9	loan	loan	NOUN
cjrl-2282	363	10	sharks	shark	NOUN
cjrl-2282	363	11	,	,	PUNCT
cjrl-2282	363	12	and	and	CCONJ
cjrl-2282	363	13	title	title	NOUN
cjrl-2282	363	14	loans	loan	NOUN
cjrl-2282	363	15	.	.	PUNCT
cjrl-2282	364	1	see	see	VERB
cjrl-2282	364	2	charles	charles	PROPN
cjrl-2282	364	3	a.	a.	PROPN
cjrl-2282	364	4	bruch	bruch	PROPN
cjrl-2282	364	5	,	,	PUNCT
cjrl-2282	364	6	taking	take	VERB
cjrl-2282	364	7	the	the	DET
cjrl-2282	364	8	pay	pay	NOUN
cjrl-2282	364	9	out	out	ADP
cjrl-2282	364	10	of	of	ADP
cjrl-2282	364	11	payday	payday	NOUN
cjrl-2282	364	12	loans	loan	NOUN
cjrl-2282	364	13	,	,	PUNCT
cjrl-2282	364	14	69	69	NUM
cjrl-2282	364	15	u.	u.	NOUN
cjrl-2282	364	16	cin	cin	PROPN
cjrl-2282	364	17	l.	l.	PROPN
cjrl-2282	364	18	rev	rev	PROPN
cjrl-2282	364	19	.	.	PROPN
cjrl-2282	364	20	1257	1257	NUM
cjrl-2282	364	21	,	,	PUNCT
cjrl-2282	364	22	1268–69	1268–69	NUM
cjrl-2282	364	23	(	(	PUNCT
cjrl-2282	364	24	2001	2001	NUM
cjrl-2282	364	25	)	)	PUNCT
cjrl-2282	364	26	.	.	PUNCT
cjrl-2282	365	1	in	in	ADP
cjrl-2282	365	2	addition	addition	NOUN
cjrl-2282	365	3	,	,	PUNCT
cjrl-2282	365	4	the	the	DET
cjrl-2282	365	5	fdic	fdic	PROPN
cjrl-2282	365	6	has	have	AUX
cjrl-2282	365	7	implemented	implement	VERB
cjrl-2282	365	8	a	a	DET
cjrl-2282	365	9	small	small	ADJ
cjrl-2282	365	10	-	-	PUNCT
cjrl-2282	365	11	loan	loan	NOUN
cjrl-2282	365	12	pilot	pilot	NOUN
cjrl-2282	365	13	program	program	NOUN
cjrl-2282	365	14	among	among	ADP
cjrl-2282	365	15	thirty	thirty	NUM
cjrl-2282	365	16	-	-	PUNCT
cjrl-2282	365	17	one	one	NUM
cjrl-2282	365	18	banks	bank	NOUN
cjrl-2282	365	19	nationally	nationally	ADV
cjrl-2282	365	20	.	.	PUNCT
cjrl-2282	366	1	each	each	PRON
cjrl-2282	366	2	of	of	ADP
cjrl-2282	366	3	the	the	DET
cjrl-2282	366	4	banks	bank	NOUN
cjrl-2282	366	5	agrees	agree	VERB
cjrl-2282	366	6	to	to	PART
cjrl-2282	366	7	make	make	VERB
cjrl-2282	366	8	small	small	ADJ
cjrl-2282	366	9	loans	loan	NOUN
cjrl-2282	366	10	and	and	CCONJ
cjrl-2282	366	11	do	do	AUX
cjrl-2282	366	12	not	not	PART
cjrl-2282	366	13	charge	charge	VERB
cjrl-2282	366	14	significant	significant	ADJ
cjrl-2282	366	15	fees	fee	NOUN
cjrl-2282	366	16	or	or	CCONJ
cjrl-2282	366	17	interest	interest	NOUN
cjrl-2282	366	18	.	.	PUNCT
cjrl-2282	367	1	the	the	DET
cjrl-2282	367	2	borrower	borrower	NOUN
cjrl-2282	367	3	also	also	ADV
cjrl-2282	367	4	has	have	VERB
cjrl-2282	367	5	a	a	DET
cjrl-2282	367	6	longer	long	ADJ
cjrl-2282	367	7	amount	amount	NOUN
cjrl-2282	367	8	of	of	ADP
cjrl-2282	367	9	time	time	NOUN
cjrl-2282	367	10	to	to	PART
cjrl-2282	367	11	repay	repay	VERB
cjrl-2282	367	12	the	the	DET
cjrl-2282	367	13	loans	loan	NOUN
cjrl-2282	367	14	up	up	ADP
cjrl-2282	367	15	to	to	PART
cjrl-2282	367	16	three	three	NUM
cjrl-2282	367	17	years	year	NOUN
cjrl-2282	367	18	.	.	PUNCT
cjrl-2282	368	1	however	however	ADV
cjrl-2282	368	2	,	,	PUNCT
cjrl-2282	368	3	it	it	PRON
cjrl-2282	368	4	is	be	AUX
cjrl-2282	368	5	unclear	unclear	ADJ
cjrl-2282	368	6	whether	whether	SCONJ
cjrl-2282	368	7	or	or	CCONJ
cjrl-2282	368	8	not	not	PART
cjrl-2282	368	9	this	this	DET
cjrl-2282	368	10	program	program	NOUN
cjrl-2282	368	11	will	will	AUX
cjrl-2282	368	12	succeed	succeed	VERB
cjrl-2282	368	13	in	in	ADP
cjrl-2282	368	14	impacting	impact	VERB
cjrl-2282	368	15	payday	payday	NOUN
cjrl-2282	368	16	lenders	lender	NOUN
cjrl-2282	368	17	.	.	PUNCT
cjrl-2282	369	1	a	a	DET
cjrl-2282	369	2	spokesperson	spokesperson	NOUN
cjrl-2282	369	3	for	for	ADP
cjrl-2282	369	4	the	the	DET
cjrl-2282	369	5	payday	payday	PROPN
cjrl-2282	369	6	loan	loan	NOUN
cjrl-2282	369	7	industry	industry	NOUN
cjrl-2282	369	8	notes	note	VERB
cjrl-2282	369	9	that	that	SCONJ
cjrl-2282	369	10	their	their	PRON
cjrl-2282	369	11	customers	customer	NOUN
cjrl-2282	369	12	are	be	AUX
cjrl-2282	369	13	not	not	PART
cjrl-2282	369	14	likely	likely	ADJ
cjrl-2282	369	15	to	to	PART
cjrl-2282	369	16	visit	visit	VERB
cjrl-2282	369	17	banks	bank	NOUN
cjrl-2282	369	18	because	because	SCONJ
cjrl-2282	369	19	“	"	PUNCT
cjrl-2282	369	20	banks	bank	NOUN
cjrl-2282	369	21	look	look	VERB
cjrl-2282	369	22	down	down	ADP
cjrl-2282	369	23	on	on	ADP
cjrl-2282	369	24	our	our	PRON
cjrl-2282	369	25	customers	customer	NOUN
cjrl-2282	369	26	.	.	PUNCT
cjrl-2282	369	27	”	"	PUNCT
cjrl-2282	370	1	it	it	PRON
cjrl-2282	370	2	was	be	AUX
cjrl-2282	370	3	also	also	ADV
cjrl-2282	370	4	noted	note	VERB
cjrl-2282	370	5	that	that	SCONJ
cjrl-2282	370	6	many	many	ADJ
cjrl-2282	370	7	low	low	ADJ
cjrl-2282	370	8	and	and	CCONJ
cjrl-2282	370	9	moderate	moderate	ADJ
cjrl-2282	370	10	income	income	NOUN
cjrl-2282	370	11	customers	customer	NOUN
cjrl-2282	370	12	do	do	AUX
cjrl-2282	370	13	not	not	PART
cjrl-2282	370	14	use	use	VERB
cjrl-2282	370	15	banks	bank	NOUN
cjrl-2282	370	16	because	because	SCONJ
cjrl-2282	370	17	of	of	ADP
cjrl-2282	370	18	the	the	DET
cjrl-2282	370	19	way	way	NOUN
cjrl-2282	370	20	they	they	PRON
cjrl-2282	370	21	are	be	AUX
cjrl-2282	370	22	treated	treat	VERB
cjrl-2282	370	23	.	.	PUNCT
cjrl-2282	371	1	see	see	VERB
cjrl-2282	371	2	mark	mark	PROPN
cjrl-2282	371	3	davis	davis	PROPN
cjrl-2282	371	4	,	,	PUNCT
cjrl-2282	371	5	banks	bank	NOUN
cjrl-2282	371	6	test	test	VERB
cjrl-2282	371	7	small	small	ADJ
cjrl-2282	371	8	-	-	PUNCT
cjrl-2282	371	9	loan	loan	NOUN
cjrl-2282	371	10	program	program	NOUN
cjrl-2282	371	11	,	,	PUNCT
cjrl-2282	371	12	kansas	kansas	PROPN
cjrl-2282	371	13	city	city	PROPN
cjrl-2282	371	14	star	star	PROPN
cjrl-2282	371	15	,	,	PUNCT
cjrl-2282	371	16	may	may	AUX
cjrl-2282	371	17	11	11	NUM
cjrl-2282	371	18	,	,	PUNCT
cjrl-2282	371	19	2008	2008	NUM
cjrl-2282	371	20	,	,	PUNCT
cjrl-2282	371	21	at	at	ADP
cjrl-2282	371	22	d1	d1	NOUN
cjrl-2282	371	23	.	.	PUNCT
cjrl-2282	372	1	63	63	NUM
cjrl-2282	372	2	federal	federal	PROPN
cjrl-2282	372	3	reserve	reserve	PROPN
cjrl-2282	372	4	board	board	PROPN
cjrl-2282	372	5	,	,	PUNCT
cjrl-2282	372	6	the	the	DET
cjrl-2282	372	7	2007	2007	NUM
cjrl-2282	372	8	federal	federal	PROPN
cjrl-2282	372	9	reserve	reserve	PROPN
cjrl-2282	372	10	payments	payment	NOUN
cjrl-2282	372	11	study	study	NOUN
cjrl-2282	372	12	(	(	PUNCT
cjrl-2282	372	13	2007	2007	NUM
cjrl-2282	372	14	)	)	PUNCT
cjrl-2282	372	15	,	,	PUNCT
cjrl-2282	372	16	available	available	ADJ
cjrl-2282	372	17	at	at	ADP
cjrl-2282	372	18	http://www.frbservices.org/files/communications/pdf/research/2007_payments_study.pdf	http://www.frbservices.org/files/communications/pdf/research/2007_payments_study.pdf	PROPN
cjrl-2282	372	19	.	.	PUNCT
cjrl-2282	373	1	88	88	NUM
cjrl-2282	373	2	checking	check	VERB
cjrl-2282	373	3	out	out	ADP
cjrl-2282	373	4	the	the	DET
cjrl-2282	373	5	exception	exception	NOUN
cjrl-2282	373	6	to	to	ADP
cjrl-2282	373	7	3	3	NUM
cjrl-2282	373	8	-	-	SYM
cjrl-2282	373	9	104	104	NUM
cjrl-2282	373	10	vol	vol	NOUN
cjrl-2282	373	11	.	.	PUNCT
cjrl-2282	374	1	3:1	3:1	NUM
cjrl-2282	374	2	this	this	DET
cjrl-2282	374	3	,	,	PUNCT
cjrl-2282	374	4	it	it	PRON
cjrl-2282	374	5	appears	appear	VERB
cjrl-2282	374	6	that	that	SCONJ
cjrl-2282	374	7	consumers	consumer	NOUN
cjrl-2282	374	8	have	have	AUX
cjrl-2282	374	9	turned	turn	VERB
cjrl-2282	374	10	to	to	ADP
cjrl-2282	374	11	payday	payday	NOUN
cjrl-2282	374	12	loans	loan	NOUN
cjrl-2282	374	13	as	as	ADP
cjrl-2282	374	14	a	a	DET
cjrl-2282	374	15	favorite	favorite	ADJ
cjrl-2282	374	16	way	way	NOUN
cjrl-2282	374	17	to	to	PART
cjrl-2282	374	18	replace	replace	VERB
cjrl-2282	374	19	the	the	DET
cjrl-2282	374	20	cash	cash	NOUN
cjrl-2282	374	21	management	management	NOUN
cjrl-2282	374	22	function	function	NOUN
cjrl-2282	374	23	of	of	ADP
cjrl-2282	374	24	float	float	NOUN
cjrl-2282	374	25	.	.	PUNCT
cjrl-2282	375	1	the	the	DET
cjrl-2282	375	2	role	role	NOUN
cjrl-2282	375	3	of	of	ADP
cjrl-2282	375	4	the	the	DET
cjrl-2282	375	5	payday	payday	NOUN
cjrl-2282	375	6	loan	loan	NOUN
cjrl-2282	375	7	as	as	ADP
cjrl-2282	375	8	a	a	DET
cjrl-2282	375	9	cash	cash	NOUN
cjrl-2282	375	10	management	management	NOUN
cjrl-2282	375	11	tool	tool	NOUN
cjrl-2282	375	12	as	as	SCONJ
cjrl-2282	375	13	opposed	oppose	VERB
cjrl-2282	375	14	to	to	ADP
cjrl-2282	375	15	a	a	DET
cjrl-2282	375	16	typical	typical	ADJ
cjrl-2282	375	17	loan	loan	NOUN
cjrl-2282	375	18	is	be	AUX
cjrl-2282	375	19	borne	bear	VERB
cjrl-2282	375	20	out	out	ADP
cjrl-2282	375	21	by	by	ADP
cjrl-2282	375	22	the	the	DET
cjrl-2282	375	23	data	datum	NOUN
cjrl-2282	375	24	that	that	PRON
cjrl-2282	375	25	show	show	VERB
cjrl-2282	375	26	that	that	SCONJ
cjrl-2282	375	27	most	most	ADJ
cjrl-2282	375	28	payday	payday	NOUN
cjrl-2282	375	29	loan	loan	NOUN
cjrl-2282	375	30	store	store	NOUN
cjrl-2282	375	31	customers	customer	NOUN
cjrl-2282	375	32	are	be	AUX
cjrl-2282	375	33	repeat	repeat	NOUN
cjrl-2282	375	34	borrowers	borrower	NOUN
cjrl-2282	375	35	,	,	PUNCT
cjrl-2282	375	36	taking	take	VERB
cjrl-2282	375	37	out	out	ADP
cjrl-2282	375	38	eight	eight	NUM
cjrl-2282	375	39	to	to	PART
cjrl-2282	375	40	twelve	twelve	NUM
cjrl-2282	375	41	loans	loan	NOUN
cjrl-2282	375	42	per	per	ADP
cjrl-2282	375	43	year.64	year.64	NOUN
cjrl-2282	375	44	consumer	consumer	NOUN
cjrl-2282	375	45	dependence	dependence	NOUN
cjrl-2282	375	46	on	on	ADP
cjrl-2282	375	47	payday	payday	NOUN
cjrl-2282	375	48	lenders	lender	NOUN
cjrl-2282	375	49	has	have	AUX
cjrl-2282	375	50	been	be	AUX
cjrl-2282	375	51	exacerbated	exacerbate	VERB
cjrl-2282	375	52	by	by	ADP
cjrl-2282	375	53	the	the	DET
cjrl-2282	375	54	fact	fact	NOUN
cjrl-2282	375	55	that	that	SCONJ
cjrl-2282	375	56	banks	bank	NOUN
cjrl-2282	375	57	have	have	AUX
cjrl-2282	375	58	been	be	AUX
cjrl-2282	375	59	reluctant	reluctant	ADJ
cjrl-2282	375	60	to	to	PART
cjrl-2282	375	61	enter	enter	VERB
cjrl-2282	375	62	into	into	ADP
cjrl-2282	375	63	the	the	DET
cjrl-2282	375	64	small	small	ADJ
cjrl-2282	375	65	-	-	PUNCT
cjrl-2282	375	66	short	short	ADJ
cjrl-2282	375	67	-	-	PUNCT
cjrl-2282	375	68	term	term	NOUN
cjrl-2282	375	69	-	-	PUNCT
cjrl-2282	375	70	loan	loan	NOUN
cjrl-2282	375	71	business.65	business.65	NOUN
cjrl-2282	375	72	this	this	DET
cjrl-2282	375	73	reluctance	reluctance	NOUN
cjrl-2282	375	74	can	can	AUX
cjrl-2282	375	75	be	be	AUX
cjrl-2282	375	76	traced	trace	VERB
cjrl-2282	375	77	to	to	ADP
cjrl-2282	375	78	three	three	NUM
cjrl-2282	375	79	related	relate	VERB
cjrl-2282	375	80	concerns	concern	NOUN
cjrl-2282	375	81	.	.	PUNCT
cjrl-2282	376	1	first	first	ADV
cjrl-2282	376	2	,	,	PUNCT
cjrl-2282	376	3	there	there	PRON
cjrl-2282	376	4	is	be	VERB
cjrl-2282	376	5	a	a	DET
cjrl-2282	376	6	large	large	ADJ
cjrl-2282	376	7	concern	concern	NOUN
cjrl-2282	376	8	over	over	ADP
cjrl-2282	376	9	the	the	DET
cjrl-2282	376	10	profitability	profitability	NOUN
cjrl-2282	376	11	over	over	ADP
cjrl-2282	376	12	offering	offer	VERB
cjrl-2282	376	13	relatively	relatively	ADV
cjrl-2282	376	14	low	low	ADJ
cjrl-2282	376	15	-	-	PUNCT
cjrl-2282	376	16	interest	interest	NOUN
cjrl-2282	376	17	loans	loan	NOUN
cjrl-2282	376	18	.	.	PUNCT
cjrl-2282	377	1	many	many	ADJ
cjrl-2282	377	2	bank	bank	NOUN
cjrl-2282	377	3	officials	official	NOUN
cjrl-2282	377	4	actually	actually	ADV
cjrl-2282	377	5	acknowledge	acknowledge	VERB
cjrl-2282	377	6	that	that	SCONJ
cjrl-2282	377	7	they	they	PRON
cjrl-2282	377	8	believe	believe	VERB
cjrl-2282	377	9	offering	offer	VERB
cjrl-2282	377	10	payday	payday	NOUN
cjrl-2282	377	11	loan	loan	NOUN
cjrl-2282	377	12	-	-	PUNCT
cjrl-2282	377	13	like	like	ADJ
cjrl-2282	377	14	products	product	NOUN
cjrl-2282	377	15	will	will	AUX
cjrl-2282	377	16	be	be	AUX
cjrl-2282	377	17	profitable	profitable	ADJ
cjrl-2282	377	18	only	only	ADV
cjrl-2282	377	19	if	if	SCONJ
cjrl-2282	377	20	they	they	PRON
cjrl-2282	377	21	charge	charge	VERB
cjrl-2282	377	22	high	high	ADJ
cjrl-2282	377	23	interest	interest	NOUN
cjrl-2282	377	24	rates	rate	NOUN
cjrl-2282	377	25	.	.	PUNCT
cjrl-2282	378	1	there	there	PRON
cjrl-2282	378	2	are	be	VERB
cjrl-2282	378	3	also	also	ADV
cjrl-2282	378	4	concerns	concern	NOUN
cjrl-2282	378	5	over	over	ADP
cjrl-2282	378	6	the	the	DET
cjrl-2282	378	7	reputation	reputation	NOUN
cjrl-2282	378	8	of	of	ADP
cjrl-2282	378	9	banks	bank	NOUN
cjrl-2282	378	10	among	among	ADP
cjrl-2282	378	11	a	a	DET
cjrl-2282	378	12	broad	broad	ADJ
cjrl-2282	378	13	customer	customer	NOUN
cjrl-2282	378	14	base	base	NOUN
cjrl-2282	378	15	if	if	SCONJ
cjrl-2282	378	16	they	they	PRON
cjrl-2282	378	17	become	become	VERB
cjrl-2282	378	18	infected	infected	ADJ
cjrl-2282	378	19	with	with	ADP
cjrl-2282	378	20	the	the	DET
cjrl-2282	378	21	same	same	ADJ
cjrl-2282	378	22	taint	taint	NOUN
cjrl-2282	378	23	that	that	PRON
cjrl-2282	378	24	is	be	AUX
cjrl-2282	378	25	attached	attach	VERB
cjrl-2282	378	26	to	to	ADP
cjrl-2282	378	27	payday	payday	NOUN
cjrl-2282	378	28	loans	loan	NOUN
cjrl-2282	378	29	operators	operator	NOUN
cjrl-2282	378	30	.	.	PUNCT
cjrl-2282	379	1	a	a	DET
cjrl-2282	379	2	related	related	ADJ
cjrl-2282	379	3	concern	concern	NOUN
cjrl-2282	379	4	is	be	AUX
cjrl-2282	379	5	that	that	SCONJ
cjrl-2282	379	6	offering	offer	VERB
cjrl-2282	379	7	a	a	DET
cjrl-2282	379	8	service	service	NOUN
cjrl-2282	379	9	similar	similar	ADJ
cjrl-2282	379	10	to	to	ADP
cjrl-2282	379	11	payday	payday	NOUN
cjrl-2282	379	12	loans	loan	NOUN
cjrl-2282	379	13	could	could	AUX
cjrl-2282	379	14	come	come	VERB
cjrl-2282	379	15	with	with	ADP
cjrl-2282	379	16	tremendous	tremendous	ADJ
cjrl-2282	379	17	amounts	amount	NOUN
cjrl-2282	379	18	of	of	ADP
cjrl-2282	379	19	criticism	criticism	NOUN
cjrl-2282	379	20	from	from	ADP
cjrl-2282	379	21	“	"	PUNCT
cjrl-2282	379	22	media	medium	NOUN
cjrl-2282	379	23	,	,	PUNCT
cjrl-2282	379	24	public	public	ADJ
cjrl-2282	379	25	policy	policy	NOUN
cjrl-2282	379	26	officials	official	NOUN
cjrl-2282	379	27	,	,	PUNCT
cjrl-2282	379	28	and	and	CCONJ
cjrl-2282	379	29	consumer	consumer	NOUN
cjrl-2282	379	30	advocates	advocate	NOUN
cjrl-2282	379	31	.	.	PUNCT
cjrl-2282	380	1	”66	”66	NOUN
cjrl-2282	380	2	it	it	PRON
cjrl-2282	380	3	has	have	AUX
cjrl-2282	380	4	been	be	AUX
cjrl-2282	380	5	estimated	estimate	VERB
cjrl-2282	380	6	that	that	SCONJ
cjrl-2282	380	7	ten	ten	NUM
cjrl-2282	380	8	million	million	NUM
cjrl-2282	380	9	households	household	NOUN
cjrl-2282	380	10	borrow	borrow	VERB
cjrl-2282	380	11	from	from	ADP
cjrl-2282	380	12	a	a	DET
cjrl-2282	380	13	payday	payday	NOUN
cjrl-2282	380	14	store	store	NOUN
cjrl-2282	380	15	every	every	DET
cjrl-2282	380	16	year.67	year.67	ADJ
cjrl-2282	380	17	examination	examination	NOUN
cjrl-2282	380	18	of	of	ADP
cjrl-2282	380	19	the	the	DET
cjrl-2282	380	20	demographics	demographic	NOUN
cjrl-2282	380	21	of	of	ADP
cjrl-2282	380	22	payday	payday	NOUN
cjrl-2282	380	23	loan	loan	NOUN
cjrl-2282	380	24	users	user	NOUN
cjrl-2282	380	25	reveals	reveal	VERB
cjrl-2282	380	26	the	the	DET
cjrl-2282	380	27	depth	depth	NOUN
cjrl-2282	380	28	of	of	ADP
cjrl-2282	380	29	the	the	DET
cjrl-2282	380	30	problems	problem	NOUN
cjrl-2282	380	31	they	they	PRON
cjrl-2282	380	32	cause	cause	VERB
cjrl-2282	380	33	.	.	PUNCT
cjrl-2282	381	1	according	accord	VERB
cjrl-2282	381	2	to	to	ADP
cjrl-2282	381	3	the	the	DET
cjrl-2282	381	4	demographic	demographic	ADJ
cjrl-2282	381	5	data	datum	NOUN
cjrl-2282	381	6	,	,	PUNCT
cjrl-2282	381	7	the	the	DET
cjrl-2282	381	8	typical	typical	ADJ
cjrl-2282	381	9	payday	payday	NOUN
cjrl-2282	381	10	loan	loan	NOUN
cjrl-2282	381	11	customer	customer	NOUN
cjrl-2282	381	12	is	be	AUX
cjrl-2282	381	13	forty	forty	NUM
cjrl-2282	381	14	years	year	NOUN
cjrl-2282	381	15	old	old	ADJ
cjrl-2282	381	16	and	and	CCONJ
cjrl-2282	381	17	earns	earn	VERB
cjrl-2282	381	18	between	between	ADP
cjrl-2282	381	19	$	$	SYM
cjrl-2282	381	20	30,000	30,000	NUM
cjrl-2282	381	21	and	and	CCONJ
cjrl-2282	381	22	$	$	SYM
cjrl-2282	381	23	40,000	40,000	NUM
cjrl-2282	381	24	annually	annually	ADV
cjrl-2282	381	25	.	.	PUNCT
cjrl-2282	382	1	half	half	NOUN
cjrl-2282	382	2	of	of	ADP
cjrl-2282	382	3	all	all	DET
cjrl-2282	382	4	customers	customer	NOUN
cjrl-2282	382	5	have	have	VERB
cjrl-2282	382	6	an	an	DET
cjrl-2282	382	7	average	average	ADJ
cjrl-2282	382	8	annual	annual	ADJ
cjrl-2282	382	9	income	income	NOUN
cjrl-2282	382	10	of	of	ADP
cjrl-2282	382	11	between	between	ADP
cjrl-2282	382	12	$	$	SYM
cjrl-2282	382	13	25,000	25,000	NUM
cjrl-2282	382	14	and	and	CCONJ
cjrl-2282	382	15	$	$	SYM
cjrl-2282	382	16	50,000.68	50,000.68	NUM
cjrl-2282	382	17	twenty	twenty	NUM
cjrl-2282	382	18	percent	percent	NOUN
cjrl-2282	382	19	have	have	VERB
cjrl-2282	382	20	college	college	NOUN
cjrl-2282	382	21	diplomas	diploma	NOUN
cjrl-2282	382	22	and	and	CCONJ
cjrl-2282	382	23	more	more	ADJ
cjrl-2282	382	24	than	than	ADP
cjrl-2282	382	25	half	half	NOUN
cjrl-2282	382	26	have	have	AUX
cjrl-2282	382	27	completed	complete	VERB
cjrl-2282	382	28	some	some	DET
cjrl-2282	382	29	college	college	NOUN
cjrl-2282	382	30	,	,	PUNCT
cjrl-2282	382	31	and	and	CCONJ
cjrl-2282	382	32	ninety	ninety	NUM
cjrl-2282	382	33	-	-	PUNCT
cjrl-2282	382	34	four	four	NUM
cjrl-2282	382	35	percent	percent	NOUN
cjrl-2282	382	36	have	have	VERB
cjrl-2282	382	37	a	a	DET
cjrl-2282	382	38	high	high	ADJ
cjrl-2282	382	39	school	school	NOUN
cjrl-2282	382	40	diploma	diploma	NOUN
cjrl-2282	382	41	.	.	PUNCT
cjrl-2282	383	1	even	even	ADV
cjrl-2282	383	2	more	more	ADV
cjrl-2282	383	3	troubling	troubling	ADJ
cjrl-2282	383	4	is	be	AUX
cjrl-2282	383	5	the	the	DET
cjrl-2282	383	6	fact	fact	NOUN
cjrl-2282	383	7	that	that	SCONJ
cjrl-2282	383	8	payday	payday	NOUN
cjrl-2282	383	9	loan	loan	NOUN
cjrl-2282	383	10	customers	customer	NOUN
cjrl-2282	383	11	are	be	AUX
cjrl-2282	383	12	disproportionately	disproportionately	ADV
cjrl-2282	383	13	drawn	draw	VERB
cjrl-2282	383	14	from	from	ADP
cjrl-2282	383	15	politically	politically	ADV
cjrl-2282	383	16	and	and	CCONJ
cjrl-2282	383	17	economically	economically	ADV
cjrl-2282	383	18	disadvantaged	disadvantaged	ADJ
cjrl-2282	383	19	groups	group	NOUN
cjrl-2282	383	20	:	:	PUNCT
cjrl-2282	383	21	racial	racial	ADJ
cjrl-2282	383	22	minorities	minority	NOUN
cjrl-2282	383	23	,	,	PUNCT
cjrl-2282	383	24	women	woman	NOUN
cjrl-2282	383	25	and	and	CCONJ
cjrl-2282	383	26	military	military	ADJ
cjrl-2282	383	27	families	family	NOUN
cjrl-2282	383	28	who	who	PRON
cjrl-2282	383	29	are	be	AUX
cjrl-2282	383	30	deliberately	deliberately	ADV
cjrl-2282	383	31	targeted	target	VERB
cjrl-2282	383	32	by	by	ADP
cjrl-2282	383	33	payday	payday	NOUN
cjrl-2282	383	34	loan	loan	NOUN
cjrl-2282	383	35	operators.69	operators.69	NOUN
cjrl-2282	383	36	a	a	DET
cjrl-2282	383	37	2011	2011	NUM
cjrl-2282	383	38	study	study	NOUN
cjrl-2282	383	39	of	of	ADP
cjrl-2282	383	40	the	the	DET
cjrl-2282	383	41	concentration	concentration	NOUN
cjrl-2282	383	42	of	of	ADP
cjrl-2282	383	43	payday	payday	NOUN
cjrl-2282	383	44	lending	lending	NOUN
cjrl-2282	383	45	operations	operation	NOUN
cjrl-2282	383	46	in	in	ADP
cjrl-2282	383	47	several	several	ADJ
cjrl-2282	383	48	states	state	NOUN
cjrl-2282	383	49	found	find	VERB
cjrl-2282	383	50	that	that	SCONJ
cjrl-2282	383	51	in	in	ADP
cjrl-2282	383	52	north	north	PROPN
cjrl-2282	383	53	carolina	carolina	PROPN
cjrl-2282	383	54	,	,	PUNCT
cjrl-2282	383	55	three	three	NUM
cjrl-2282	383	56	times	time	NOUN
cjrl-2282	383	57	as	as	ADV
cjrl-2282	383	58	many	many	ADJ
cjrl-2282	383	59	payday	payday	NOUN
cjrl-2282	383	60	lenders	lender	NOUN
cjrl-2282	383	61	per	per	ADP
cjrl-2282	383	62	capita	capita	NOUN
cjrl-2282	383	63	are	be	AUX
cjrl-2282	383	64	present	present	ADJ
cjrl-2282	383	65	in	in	ADP
cjrl-2282	383	66	african	african	ADJ
cjrl-2282	383	67	american	american	ADJ
cjrl-2282	383	68	neighborhoods	neighborhood	NOUN
cjrl-2282	383	69	as	as	ADP
cjrl-2282	383	70	in	in	ADP
cjrl-2282	383	71	white	white	ADJ
cjrl-2282	383	72	neighborhoods	neighborhood	NOUN
cjrl-2282	383	73	.	.	PUNCT
cjrl-2282	384	1	in	in	ADP
cjrl-2282	384	2	the	the	DET
cjrl-2282	384	3	state	state	NOUN
cjrl-2282	384	4	of	of	ADP
cjrl-2282	384	5	washington	washington	PROPN
cjrl-2282	384	6	.	.	PUNCT
cjrl-2282	384	7	.	.	PUNCT
cjrl-2282	385	1	.	.	PUNCT
cjrl-2282	386	1	they	they	PRON
cjrl-2282	386	2	are	be	AUX
cjrl-2282	386	3	twice	twice	ADV
cjrl-2282	386	4	as	as	ADV
cjrl-2282	386	5	likely	likely	ADJ
cjrl-2282	386	6	to	to	PART
cjrl-2282	386	7	be	be	AUX
cjrl-2282	386	8	located	locate	VERB
cjrl-2282	386	9	in	in	ADP
cjrl-2282	386	10	predominantly	predominantly	ADV
cjrl-2282	386	11	african	african	ADJ
cjrl-2282	386	12	american	american	PROPN
cjrl-2282	386	13	as	as	ADP
cjrl-2282	386	14	white	white	ADJ
cjrl-2282	386	15	areas	area	NOUN
cjrl-2282	386	16	,	,	PUNCT
cjrl-2282	386	17	and	and	CCONJ
cjrl-2282	386	18	they	they	PRON
cjrl-2282	386	19	also	also	ADV
cjrl-2282	386	20	are	be	AUX
cjrl-2282	386	21	concentrated	concentrate	VERB
cjrl-2282	386	22	in	in	ADP
cjrl-2282	386	23	poverty	poverty	NOUN
cjrl-2282	386	24	zip	zip	NOUN
cjrl-2282	386	25	codes	code	NOUN
cjrl-2282	386	26	.	.	PUNCT
cjrl-2282	387	1	in	in	ADP
cjrl-2282	387	2	california	california	PROPN
cjrl-2282	387	3	,	,	PUNCT
cjrl-2282	387	4	they	they	PRON
cjrl-2282	387	5	are	be	AUX
cjrl-2282	387	6	eight	eight	NUM
cjrl-2282	387	7	times	time	NOUN
cjrl-2282	387	8	as	as	ADV
cjrl-2282	387	9	concentrated	concentrate	VERB
cjrl-2282	387	10	in	in	ADP
cjrl-2282	387	11	african	african	ADJ
cjrl-2282	387	12	american	american	ADJ
cjrl-2282	387	13	and	and	CCONJ
cjrl-2282	387	14	latino	latino	ADJ
cjrl-2282	387	15	neighborhoods	neighborhood	NOUN
cjrl-2282	387	16	as	as	ADP
cjrl-2282	387	17	in	in	ADP
cjrl-2282	387	18	white	white	ADJ
cjrl-2282	387	19	neighborhoods	neighborhood	NOUN
cjrl-2282	387	20	.	.	PUNCT
cjrl-2282	388	1	even	even	ADV
cjrl-2282	388	2	controlling	control	VERB
cjrl-2282	388	3	on	on	ADP
cjrl-2282	388	4	income	income	NOUN
cjrl-2282	388	5	,	,	PUNCT
cjrl-2282	388	6	poverty	poverty	NOUN
cjrl-2282	388	7	,	,	PUNCT
cjrl-2282	388	8	population	population	NOUN
cjrl-2282	388	9	,	,	PUNCT
cjrl-2282	388	10	education	education	NOUN
cjrl-2282	388	11	,	,	PUNCT
cjrl-2282	388	12	and	and	CCONJ
cjrl-2282	388	13	other	other	ADJ
cjrl-2282	388	14	socioeconomic	socioeconomic	ADJ
cjrl-2282	388	15	factors	factor	NOUN
cjrl-2282	388	16	,	,	PUNCT
cjrl-2282	388	17	the	the	DET
cjrl-2282	388	18	racial	racial	ADJ
cjrl-2282	388	19	disparity	disparity	NOUN
cjrl-2282	388	20	persists	persist	VERB
cjrl-2282	388	21	.	.	PUNCT
cjrl-2282	389	1	in	in	ADP
cjrl-2282	389	2	denver	denver	PROPN
cjrl-2282	389	3	neighborhoods	neighborhood	NOUN
cjrl-2282	389	4	where	where	SCONJ
cjrl-2282	389	5	the	the	DET
cjrl-2282	389	6	median	median	ADJ
cjrl-2282	389	7	income	income	NOUN
cjrl-2282	389	8	is	be	AUX
cjrl-2282	389	9	below	below	ADP
cjrl-2282	389	10	$	$	SYM
cjrl-2282	389	11	30,000	30,000	NUM
cjrl-2282	389	12	,	,	PUNCT
cjrl-2282	389	13	one	one	NUM
cjrl-2282	389	14	check	check	NOUN
cjrl-2282	389	15	-	-	PUNCT
cjrl-2282	389	16	casher	casher	NOUN
cjrl-2282	389	17	exists	exist	VERB
cjrl-2282	389	18	for	for	ADP
cjrl-2282	389	19	every	every	DET
cjrl-2282	389	20	3,196	3,196	NUM
cjrl-2282	389	21	residents	resident	NOUN
cjrl-2282	389	22	64	64	NUM
cjrl-2282	389	23	richard	richard	PROPN
cjrl-2282	389	24	j.	j.	PROPN
cjrl-2282	389	25	thomas	thomas	PROPN
cjrl-2282	389	26	,	,	PUNCT
cjrl-2282	389	27	note	note	VERB
cjrl-2282	389	28	:	:	PUNCT
cjrl-2282	389	29	rolling	roll	VERB
cjrl-2282	389	30	over	over	ADP
cjrl-2282	389	31	borrowers	borrower	NOUN
cjrl-2282	389	32	:	:	PUNCT
cjrl-2282	389	33	preventing	prevent	VERB
cjrl-2282	389	34	excessive	excessive	ADJ
cjrl-2282	389	35	refinancing	refinancing	NOUN
cjrl-2282	389	36	and	and	CCONJ
cjrl-2282	389	37	other	other	ADJ
cjrl-2282	389	38	necessary	necessary	ADJ
cjrl-2282	389	39	changes	change	NOUN
cjrl-2282	389	40	in	in	ADP
cjrl-2282	389	41	the	the	DET
cjrl-2282	389	42	payday	payday	NOUN
cjrl-2282	389	43	loan	loan	NOUN
cjrl-2282	389	44	industry	industry	NOUN
cjrl-2282	389	45	,	,	PUNCT
cjrl-2282	389	46	48	48	NUM
cjrl-2282	389	47	wm	wm	PROPN
cjrl-2282	389	48	.	.	PROPN
cjrl-2282	389	49	&	&	CCONJ
cjrl-2282	389	50	mary	mary	PROPN
cjrl-2282	389	51	l.	l.	PROPN
cjrl-2282	389	52	rev	rev	PROPN
cjrl-2282	389	53	.	.	PROPN
cjrl-2282	389	54	2401	2401	NUM
cjrl-2282	389	55	,	,	PUNCT
cjrl-2282	389	56	2403	2403	NUM
cjrl-2282	389	57	(	(	PUNCT
cjrl-2282	389	58	2007	2007	NUM
cjrl-2282	389	59	)	)	PUNCT
cjrl-2282	389	60	.	.	PUNCT
cjrl-2282	390	1	65	65	NUM
cjrl-2282	391	1	some	some	DET
cjrl-2282	391	2	banks	bank	NOUN
cjrl-2282	391	3	have	have	AUX
cjrl-2282	391	4	begun	begin	VERB
cjrl-2282	391	5	to	to	PART
cjrl-2282	391	6	enter	enter	VERB
cjrl-2282	391	7	the	the	DET
cjrl-2282	391	8	market	market	NOUN
cjrl-2282	391	9	,	,	PUNCT
cjrl-2282	391	10	but	but	CCONJ
cjrl-2282	391	11	have	have	AUX
cjrl-2282	391	12	only	only	ADV
cjrl-2282	391	13	been	be	AUX
cjrl-2282	391	14	doing	do	VERB
cjrl-2282	391	15	so	so	ADV
cjrl-2282	391	16	since	since	SCONJ
cjrl-2282	391	17	around	around	ADV
cjrl-2282	391	18	2007	2007	NUM
cjrl-2282	391	19	.	.	PUNCT
cjrl-2282	392	1	see	see	VERB
cjrl-2282	392	2	jim	jim	PROPN
cjrl-2282	392	3	puzzanghera	puzzanghera	PROPN
cjrl-2282	392	4	credit	credit	NOUN
cjrl-2282	392	5	unions	union	NOUN
cjrl-2282	392	6	,	,	PUNCT
cjrl-2282	392	7	banks	bank	NOUN
cjrl-2282	392	8	grabbing	grab	VERB
cjrl-2282	392	9	a	a	DET
cjrl-2282	392	10	share	share	NOUN
cjrl-2282	392	11	of	of	ADP
cjrl-2282	392	12	payday	payday	NOUN
cjrl-2282	392	13	loan	loan	NOUN
cjrl-2282	392	14	dollars	dollar	NOUN
cjrl-2282	392	15	,	,	PUNCT
cjrl-2282	392	16	l.a	l.a	PROPN
cjrl-2282	392	17	.	.	PROPN
cjrl-2282	392	18	times	times	PROPN
cjrl-2282	392	19	,	,	PUNCT
cjrl-2282	392	20	mar	mar	PROPN
cjrl-2282	392	21	.	.	PROPN
cjrl-2282	392	22	11	11	NUM
cjrl-2282	392	23	,	,	PUNCT
cjrl-2282	392	24	2012	2012	NUM
cjrl-2282	392	25	,	,	PUNCT
cjrl-2282	392	26	http://articles.latimes.com/2012/mar/11/business/la-fi-banks-payday-loans-20120311	http://articles.latimes.com/2012/mar/11/business/la-fi-banks-payday-loans-20120311	NOUN
cjrl-2282	392	27	.	.	PUNCT
cjrl-2282	393	1	66	66	NUM
cjrl-2282	394	1	the	the	DET
cjrl-2282	394	2	annie	annie	PROPN
cjrl-2282	394	3	e.	e.	PROPN
cjrl-2282	394	4	casey	casey	PROPN
cjrl-2282	394	5	foundation	foundation	PROPN
cjrl-2282	394	6	,	,	PUNCT
cjrl-2282	394	7	low	low	ADJ
cjrl-2282	394	8	-	-	PUNCT
cjrl-2282	394	9	cost	cost	NOUN
cjrl-2282	394	10	payday	payday	NOUN
cjrl-2282	394	11	loans	loan	NOUN
cjrl-2282	394	12	:	:	PUNCT
cjrl-2282	394	13	opportunities	opportunity	NOUN
cjrl-2282	394	14	&	&	CCONJ
cjrl-2282	394	15	obstacles	obstacle	NOUN
cjrl-2282	394	16	10	10	NUM
cjrl-2282	394	17	(	(	PUNCT
cjrl-2282	394	18	2005	2005	NUM
cjrl-2282	394	19	)	)	PUNCT
cjrl-2282	394	20	.	.	PUNCT
cjrl-2282	395	1	67	67	NUM
cjrl-2282	395	2	paige	paige	PROPN
cjrl-2282	395	3	merta	merta	PROPN
cjrl-2282	395	4	skiba	skiba	PROPN
cjrl-2282	395	5	&	&	CCONJ
cjrl-2282	395	6	jeremy	jeremy	PROPN
cjrl-2282	395	7	tobacman	tobacman	PROPN
cjrl-2282	395	8	,	,	PUNCT
cjrl-2282	395	9	payday	payday	NOUN
cjrl-2282	395	10	loans	loan	NOUN
cjrl-2282	395	11	,	,	PUNCT
cjrl-2282	395	12	uncertainty	uncertainty	NOUN
cjrl-2282	395	13	,	,	PUNCT
cjrl-2282	395	14	and	and	CCONJ
cjrl-2282	395	15	discounting	discount	VERB
cjrl-2282	395	16	:	:	PUNCT
cjrl-2282	395	17	explaining	explain	VERB
cjrl-2282	395	18	patterns	pattern	NOUN
cjrl-2282	395	19	of	of	ADP
cjrl-2282	395	20	borrowing	borrowing	NOUN
cjrl-2282	395	21	,	,	PUNCT
cjrl-2282	395	22	repayment	repayment	NOUN
cjrl-2282	395	23	and	and	CCONJ
cjrl-2282	395	24	default	default	NOUN
cjrl-2282	395	25	,	,	PUNCT
cjrl-2282	395	26	berkeley	berkeley	NOUN
cjrl-2282	395	27	mimeo	mimeo	NOUN
cjrl-2282	395	28	(	(	PUNCT
cjrl-2282	395	29	2006	2006	NUM
cjrl-2282	395	30	)	)	PUNCT
cjrl-2282	395	31	,	,	PUNCT
cjrl-2282	395	32	available	available	ADJ
cjrl-2282	395	33	at	at	ADP
cjrl-2282	395	34	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1319751	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1319751	PROPN
cjrl-2282	395	35	.	.	PUNCT
cjrl-2282	396	1	68	68	NUM
cjrl-2282	396	2	gregory	gregory	PROPN
cjrl-2282	396	3	elliehausen	elliehausen	PROPN
cjrl-2282	396	4	&	&	CCONJ
cjrl-2282	396	5	edward	edward	PROPN
cjrl-2282	396	6	c.	c.	PROPN
cjrl-2282	396	7	lawrence	lawrence	PROPN
cjrl-2282	396	8	,	,	PUNCT
cjrl-2282	396	9	credit	credit	NOUN
cjrl-2282	396	10	research	research	NOUN
cjrl-2282	396	11	center	center	NOUN
cjrl-2282	396	12	,	,	PUNCT
cjrl-2282	396	13	mcdonough	mcdonough	PROPN
cjrl-2282	396	14	school	school	NOUN
cjrl-2282	396	15	of	of	ADP
cjrl-2282	396	16	business	business	NOUN
cjrl-2282	396	17	,	,	PUNCT
cjrl-2282	396	18	georgetown	georgetown	PROPN
cjrl-2282	396	19	univ	univ	PROPN
cjrl-2282	396	20	.	.	PROPN
cjrl-2282	396	21	,	,	PUNCT
cjrl-2282	396	22	payday	payday	NOUN
cjrl-2282	396	23	advance	advance	NOUN
cjrl-2282	396	24	credit	credit	NOUN
cjrl-2282	396	25	in	in	ADP
cjrl-2282	396	26	america	america	PROPN
cjrl-2282	396	27	:	:	PUNCT
cjrl-2282	396	28	an	an	DET
cjrl-2282	396	29	analysis	analysis	NOUN
cjrl-2282	396	30	of	of	ADP
cjrl-2282	396	31	customer	customer	NOUN
cjrl-2282	396	32	demand	demand	NOUN
cjrl-2282	396	33	28	28	NUM
cjrl-2282	396	34	(	(	PUNCT
cjrl-2282	396	35	2001	2001	NUM
cjrl-2282	396	36	)	)	PUNCT
cjrl-2282	396	37	,	,	PUNCT
cjrl-2282	396	38	available	available	ADJ
cjrl-2282	396	39	at	at	ADP
cjrl-2282	396	40	http://faculty.msb.edu/prog/crc/pdf/mono35.pdf	http://faculty.msb.edu/prog/crc/pdf/mono35.pdf	NOUN
cjrl-2282	396	41	.	.	PUNCT
cjrl-2282	397	1	69	69	NUM
cjrl-2282	397	2	skiba	skiba	PROPN
cjrl-2282	397	3	&	&	CCONJ
cjrl-2282	397	4	tobacman	tobacman	PROPN
cjrl-2282	397	5	,	,	PUNCT
cjrl-2282	397	6	supra	supra	PROPN
cjrl-2282	397	7	note	note	NOUN
cjrl-2282	397	8	67	67	NUM
cjrl-2282	397	9	.	.	PUNCT
cjrl-2282	397	10	2013	2013	NUM
cjrl-2282	397	11	columbia	columbia	PROPN
cjrl-2282	397	12	journal	journal	PROPN
cjrl-2282	397	13	of	of	ADP
cjrl-2282	397	14	race	race	NOUN
cjrl-2282	397	15	and	and	CCONJ
cjrl-2282	397	16	law	law	NOUN
cjrl-2282	397	17	89	89	NUM
cjrl-2282	397	18	compared	compare	VERB
cjrl-2282	397	19	with	with	ADP
cjrl-2282	397	20	one	one	NUM
cjrl-2282	397	21	check	check	NOUN
cjrl-2282	397	22	casher	casher	NOUN
cjrl-2282	397	23	for	for	ADP
cjrl-2282	397	24	every	every	DET
cjrl-2282	397	25	27,416	27,416	NUM
cjrl-2282	397	26	residents	resident	NOUN
cjrl-2282	397	27	in	in	ADP
cjrl-2282	397	28	neighborhoods	neighborhood	NOUN
cjrl-2282	397	29	where	where	SCONJ
cjrl-2282	397	30	the	the	DET
cjrl-2282	397	31	median	median	ADJ
cjrl-2282	397	32	income	income	NOUN
cjrl-2282	397	33	is	be	AUX
cjrl-2282	397	34	between	between	ADP
cjrl-2282	397	35	$	$	SYM
cjrl-2282	397	36	90,000	90,000	NUM
cjrl-2282	397	37	and	and	CCONJ
cjrl-2282	397	38	$	$	SYM
cjrl-2282	397	39	120,000.70	120,000.70	NUM
cjrl-2282	397	40	given	give	VERB
cjrl-2282	397	41	those	those	DET
cjrl-2282	397	42	data	datum	NOUN
cjrl-2282	397	43	,	,	PUNCT
cjrl-2282	397	44	the	the	DET
cjrl-2282	397	45	usage	usage	NOUN
cjrl-2282	397	46	rates	rate	NOUN
cjrl-2282	397	47	among	among	ADP
cjrl-2282	397	48	minority	minority	NOUN
cjrl-2282	397	49	groups	group	NOUN
cjrl-2282	397	50	are	be	AUX
cjrl-2282	397	51	hardly	hardly	ADV
cjrl-2282	397	52	surprising	surprising	ADJ
cjrl-2282	397	53	.	.	PUNCT
cjrl-2282	398	1	one	one	NUM
cjrl-2282	398	2	2009	2009	NUM
cjrl-2282	398	3	survey	survey	NOUN
cjrl-2282	398	4	of	of	ADP
cjrl-2282	398	5	payday	payday	NOUN
cjrl-2282	398	6	loan	loan	NOUN
cjrl-2282	398	7	customers	customer	NOUN
cjrl-2282	398	8	in	in	ADP
cjrl-2282	398	9	texas	texas	PROPN
cjrl-2282	398	10	found	find	VERB
cjrl-2282	398	11	that	that	SCONJ
cjrl-2282	398	12	fifty	fifty	NUM
cjrl-2282	398	13	-	-	PUNCT
cjrl-2282	398	14	nine	nine	NUM
cjrl-2282	398	15	percent	percent	NOUN
cjrl-2282	398	16	of	of	ADP
cjrl-2282	398	17	borrowers	borrower	NOUN
cjrl-2282	398	18	were	be	AUX
cjrl-2282	398	19	women	woman	NOUN
cjrl-2282	398	20	,	,	PUNCT
cjrl-2282	398	21	and	and	CCONJ
cjrl-2282	398	22	forty	forty	NUM
cjrl-2282	398	23	percent	percent	NOUN
cjrl-2282	398	24	were	be	AUX
cjrl-2282	398	25	single	single	ADJ
cjrl-2282	398	26	women.71	women.71	NOUN
cjrl-2282	398	27	the	the	DET
cjrl-2282	398	28	same	same	ADJ
cjrl-2282	398	29	study	study	NOUN
cjrl-2282	398	30	found	find	VERB
cjrl-2282	398	31	that	that	SCONJ
cjrl-2282	398	32	forty	forty	NUM
cjrl-2282	398	33	-	-	PUNCT
cjrl-2282	398	34	four	four	NUM
cjrl-2282	398	35	percent	percent	NOUN
cjrl-2282	398	36	of	of	ADP
cjrl-2282	398	37	borrowers	borrower	NOUN
cjrl-2282	398	38	were	be	AUX
cjrl-2282	398	39	latino	latino	ADJ
cjrl-2282	398	40	,	,	PUNCT
cjrl-2282	398	41	while	while	SCONJ
cjrl-2282	398	42	thirty	thirty	NUM
cjrl-2282	398	43	percent	percent	NOUN
cjrl-2282	398	44	were	be	AUX
cjrl-2282	398	45	african	african	ADJ
cjrl-2282	398	46	american.72	american.72	NOUN
cjrl-2282	398	47	a	a	DET
cjrl-2282	398	48	separate	separate	ADJ
cjrl-2282	398	49	study	study	NOUN
cjrl-2282	398	50	conducted	conduct	VERB
cjrl-2282	398	51	in	in	ADP
cjrl-2282	398	52	2012	2012	NUM
cjrl-2282	398	53	found	find	VERB
cjrl-2282	398	54	that	that	SCONJ
cjrl-2282	398	55	african	african	ADJ
cjrl-2282	398	56	americans	americans	PROPN
cjrl-2282	398	57	were	be	AUX
cjrl-2282	398	58	twice	twice	ADV
cjrl-2282	398	59	as	as	ADV
cjrl-2282	398	60	likely	likely	ADJ
cjrl-2282	398	61	to	to	PART
cjrl-2282	398	62	have	have	AUX
cjrl-2282	398	63	used	use	VERB
cjrl-2282	398	64	payday	payday	NOUN
cjrl-2282	398	65	loans	loan	NOUN
cjrl-2282	398	66	,	,	PUNCT
cjrl-2282	398	67	despite	despite	SCONJ
cjrl-2282	398	68	their	their	PRON
cjrl-2282	398	69	considerably	considerably	ADV
cjrl-2282	398	70	smaller	small	ADJ
cjrl-2282	398	71	segment	segment	NOUN
cjrl-2282	398	72	of	of	ADP
cjrl-2282	398	73	the	the	DET
cjrl-2282	398	74	population.73	population.73	NOUN
cjrl-2282	398	75	that	that	PRON
cjrl-2282	398	76	study	study	NOUN
cjrl-2282	398	77	found	find	VERB
cjrl-2282	398	78	that	that	SCONJ
cjrl-2282	398	79	,	,	PUNCT
cjrl-2282	398	80	overall	overall	ADJ
cjrl-2282	398	81	,	,	PUNCT
cjrl-2282	398	82	african	african	ADJ
cjrl-2282	398	83	americans	americans	PROPN
cjrl-2282	398	84	constituted	constitute	VERB
cjrl-2282	398	85	twenty	twenty	NUM
cjrl-2282	398	86	-	-	PUNCT
cjrl-2282	398	87	three	three	NUM
cjrl-2282	398	88	percent	percent	NOUN
cjrl-2282	398	89	of	of	ADP
cjrl-2282	398	90	payday	payday	NOUN
cjrl-2282	398	91	loan	loan	NOUN
cjrl-2282	398	92	users	user	NOUN
cjrl-2282	398	93	,	,	PUNCT
cjrl-2282	398	94	while	while	SCONJ
cjrl-2282	398	95	comprising	comprise	VERB
cjrl-2282	398	96	only	only	ADV
cjrl-2282	398	97	twelve	twelve	NUM
cjrl-2282	398	98	percent	percent	NOUN
cjrl-2282	398	99	of	of	ADP
cjrl-2282	398	100	the	the	DET
cjrl-2282	398	101	population.74	population.74	PROPN
cjrl-2282	398	102	latinos	latino	NOUN
cjrl-2282	398	103	,	,	PUNCT
cjrl-2282	398	104	while	while	SCONJ
cjrl-2282	398	105	comprising	comprise	VERB
cjrl-2282	398	106	sixteen	sixteen	NUM
cjrl-2282	398	107	percent	percent	NOUN
cjrl-2282	398	108	of	of	ADP
cjrl-2282	398	109	the	the	DET
cjrl-2282	398	110	population	population	NOUN
cjrl-2282	398	111	,	,	PUNCT
cjrl-2282	398	112	constituted	constitute	VERB
cjrl-2282	398	113	fourteen	fourteen	NUM
cjrl-2282	398	114	percent	percent	NOUN
cjrl-2282	398	115	of	of	ADP
cjrl-2282	398	116	payday	payday	NOUN
cjrl-2282	398	117	loan	loan	NOUN
cjrl-2282	398	118	users.75	users.75	PROPN
cjrl-2282	398	119	sadly	sadly	ADV
cjrl-2282	398	120	,	,	PUNCT
cjrl-2282	398	121	military	military	ADJ
cjrl-2282	398	122	personnel	personnel	NOUN
cjrl-2282	398	123	and	and	CCONJ
cjrl-2282	398	124	their	their	PRON
cjrl-2282	398	125	families	family	NOUN
cjrl-2282	398	126	are	be	AUX
cjrl-2282	398	127	also	also	ADV
cjrl-2282	398	128	frequent	frequent	ADJ
cjrl-2282	398	129	targets	target	NOUN
cjrl-2282	398	130	,	,	PUNCT
cjrl-2282	398	131	and	and	CCONJ
cjrl-2282	398	132	users	user	NOUN
cjrl-2282	398	133	,	,	PUNCT
cjrl-2282	398	134	of	of	ADP
cjrl-2282	398	135	payday	payday	NOUN
cjrl-2282	398	136	loans.76	loans.76	PROPN
cjrl-2282	398	137	2	2	NUM
cjrl-2282	398	138	.	.	PUNCT
cjrl-2282	399	1	the	the	DET
cjrl-2282	399	2	disproportionate	disproportionate	ADJ
cjrl-2282	399	3	impact	impact	NOUN
cjrl-2282	399	4	of	of	ADP
cjrl-2282	399	5	payday	payday	NOUN
cjrl-2282	399	6	lending	lending	NOUN
cjrl-2282	399	7	on	on	ADP
cjrl-2282	399	8	minority	minority	NOUN
cjrl-2282	399	9	communities	community	NOUN
cjrl-2282	399	10	that	that	PRON
cjrl-2282	399	11	payday	payday	NOUN
cjrl-2282	399	12	loan	loan	NOUN
cjrl-2282	399	13	customers	customer	NOUN
cjrl-2282	399	14	are	be	AUX
cjrl-2282	399	15	drawn	draw	VERB
cjrl-2282	399	16	disproportionately	disproportionately	ADV
cjrl-2282	399	17	from	from	ADP
cjrl-2282	399	18	minority	minority	NOUN
cjrl-2282	399	19	groups	group	NOUN
cjrl-2282	399	20	is	be	AUX
cjrl-2282	399	21	not	not	PART
cjrl-2282	399	22	an	an	DET
cjrl-2282	399	23	accident	accident	NOUN
cjrl-2282	399	24	.	.	PUNCT
cjrl-2282	400	1	in	in	ADP
cjrl-2282	400	2	2007	2007	NUM
cjrl-2282	400	3	,	,	PUNCT
cjrl-2282	400	4	bill	bill	NOUN
cjrl-2282	400	5	harrod	harrod	NOUN
cjrl-2282	400	6	,	,	PUNCT
cjrl-2282	400	7	a	a	DET
cjrl-2282	400	8	former	former	ADJ
cjrl-2282	400	9	manager	manager	NOUN
cjrl-2282	400	10	at	at	ADP
cjrl-2282	400	11	an	an	DET
cjrl-2282	400	12	ohio	ohio	PROPN
cjrl-2282	400	13	-	-	PUNCT
cjrl-2282	400	14	based	base	VERB
cjrl-2282	400	15	payday	payday	NOUN
cjrl-2282	400	16	lending	lending	NOUN
cjrl-2282	400	17	store	store	NOUN
cjrl-2282	400	18	,	,	PUNCT
cjrl-2282	400	19	resigned	resign	VERB
cjrl-2282	400	20	his	his	PRON
cjrl-2282	400	21	position	position	NOUN
cjrl-2282	400	22	“	"	PUNCT
cjrl-2282	400	23	as	as	ADP
cjrl-2282	400	24	a	a	DET
cjrl-2282	400	25	matter	matter	NOUN
cjrl-2282	400	26	of	of	ADP
cjrl-2282	400	27	conscience	conscience	NOUN
cjrl-2282	400	28	.	.	PUNCT
cjrl-2282	401	1	”77	”77	VERB
cjrl-2282	402	1	mr	mr	PROPN
cjrl-2282	402	2	.	.	PROPN
cjrl-2282	402	3	harrod	harrod	PROPN
cjrl-2282	402	4	’s	’s	PART
cjrl-2282	402	5	conscience	conscience	NOUN
cjrl-2282	402	6	was	be	AUX
cjrl-2282	402	7	offended	offend	VERB
cjrl-2282	402	8	by	by	ADP
cjrl-2282	402	9	the	the	DET
cjrl-2282	402	10	fact	fact	NOUN
cjrl-2282	402	11	that	that	SCONJ
cjrl-2282	402	12	his	his	PRON
cjrl-2282	402	13	employer	employer	NOUN
cjrl-2282	402	14	,	,	PUNCT
cjrl-2282	402	15	check	check	VERB
cjrl-2282	402	16	n	n	CCONJ
cjrl-2282	402	17	’	'	PUNCT
cjrl-2282	402	18	go	go	VERB
cjrl-2282	402	19	,	,	PUNCT
cjrl-2282	402	20	had	have	AUX
cjrl-2282	402	21	instructed	instruct	VERB
cjrl-2282	402	22	him	he	PRON
cjrl-2282	402	23	to	to	PART
cjrl-2282	402	24	target	target	VERB
cjrl-2282	402	25	his	his	PRON
cjrl-2282	402	26	marketing	marketing	NOUN
cjrl-2282	402	27	towards	towards	ADP
cjrl-2282	402	28	african	african	ADJ
cjrl-2282	402	29	american	american	ADJ
cjrl-2282	402	30	communities	community	NOUN
cjrl-2282	402	31	,	,	PUNCT
cjrl-2282	402	32	despite	despite	SCONJ
cjrl-2282	402	33	the	the	DET
cjrl-2282	402	34	potential	potential	NOUN
cjrl-2282	402	35	to	to	PART
cjrl-2282	402	36	market	market	VERB
cjrl-2282	402	37	their	their	PRON
cjrl-2282	402	38	services	service	NOUN
cjrl-2282	402	39	in	in	ADP
cjrl-2282	402	40	more	more	ADV
cjrl-2282	402	41	diverse	diverse	ADJ
cjrl-2282	403	1	areas.78	areas.78	INTJ
cjrl-2282	403	2	he	he	PRON
cjrl-2282	403	3	was	be	AUX
cjrl-2282	403	4	even	even	ADV
cjrl-2282	403	5	instructed	instruct	VERB
cjrl-2282	403	6	to	to	PART
cjrl-2282	403	7	focus	focus	VERB
cjrl-2282	403	8	his	his	PRON
cjrl-2282	403	9	efforts	effort	NOUN
cjrl-2282	403	10	to	to	PART
cjrl-2282	403	11	market	market	VERB
cjrl-2282	403	12	their	their	PRON
cjrl-2282	403	13	lending	lending	NOUN
cjrl-2282	403	14	services	service	NOUN
cjrl-2282	403	15	sourced	source	VERB
cjrl-2282	403	16	in	in	ADP
cjrl-2282	403	17	ohio	ohio	PROPN
cjrl-2282	403	18	to	to	ADP
cjrl-2282	403	19	black	black	ADJ
cjrl-2282	403	20	communities	community	NOUN
cjrl-2282	403	21	in	in	ADP
cjrl-2282	403	22	maryland	maryland	PROPN
cjrl-2282	403	23	,	,	PUNCT
cjrl-2282	403	24	a	a	DET
cjrl-2282	403	25	state	state	NOUN
cjrl-2282	403	26	where	where	SCONJ
cjrl-2282	403	27	such	such	ADJ
cjrl-2282	403	28	loans	loan	NOUN
cjrl-2282	403	29	were	be	AUX
cjrl-2282	403	30	prohibited.79	prohibited.79	NOUN
cjrl-2282	403	31	as	as	SCONJ
cjrl-2282	403	32	described	describe	VERB
cjrl-2282	403	33	by	by	ADP
cjrl-2282	403	34	mr	mr	PROPN
cjrl-2282	403	35	.	.	PROPN
cjrl-2282	403	36	harrod	harrod	PROPN
cjrl-2282	403	37	,	,	PUNCT
cjrl-2282	403	38	the	the	DET
cjrl-2282	403	39	industry	industry	NOUN
cjrl-2282	403	40	’s	’s	PART
cjrl-2282	403	41	deceit	deceit	NOUN
cjrl-2282	403	42	of	of	ADP
cjrl-2282	403	43	the	the	DET
cjrl-2282	403	44	african	african	ADJ
cjrl-2282	403	45	american	american	PROPN
cjrl-2282	403	46	community	community	NOUN
cjrl-2282	403	47	was	be	AUX
cjrl-2282	403	48	deliberate	deliberate	ADJ
cjrl-2282	403	49	and	and	CCONJ
cjrl-2282	403	50	recognized	recognize	VERB
cjrl-2282	403	51	no	no	DET
cjrl-2282	403	52	boundaries	boundary	NOUN
cjrl-2282	403	53	of	of	ADP
cjrl-2282	403	54	decency	decency	NOUN
cjrl-2282	403	55	and	and	CCONJ
cjrl-2282	403	56	fair	fair	ADJ
cjrl-2282	403	57	dealing	dealing	NOUN
cjrl-2282	403	58	:	:	PUNCT
cjrl-2282	403	59	i	i	PRON
cjrl-2282	403	60	was	be	AUX
cjrl-2282	403	61	instructed	instruct	VERB
cjrl-2282	403	62	to	to	PART
cjrl-2282	403	63	start	start	VERB
cjrl-2282	403	64	attending	attend	VERB
cjrl-2282	403	65	services	service	NOUN
cjrl-2282	403	66	at	at	ADP
cjrl-2282	403	67	unity	unity	NOUN
cjrl-2282	403	68	baptist	baptist	ADJ
cjrl-2282	403	69	church	church	NOUN
cjrl-2282	403	70	—	—	PUNCT
cjrl-2282	403	71	neither	neither	CCONJ
cjrl-2282	403	72	my	my	PRON
cjrl-2282	403	73	bosses	boss	NOUN
cjrl-2282	403	74	nor	nor	CCONJ
cjrl-2282	403	75	the	the	DET
cjrl-2282	403	76	lobbyists	lobbyist	NOUN
cjrl-2282	403	77	could	could	AUX
cjrl-2282	403	78	do	do	VERB
cjrl-2282	403	79	this	this	PRON
cjrl-2282	403	80	because	because	SCONJ
cjrl-2282	403	81	they	they	PRON
cjrl-2282	403	82	were	be	AUX
cjrl-2282	403	83	not	not	PART
cjrl-2282	403	84	black	black	ADJ
cjrl-2282	403	85	—	—	PUNCT
cjrl-2282	403	86	to	to	PART
cjrl-2282	403	87	gain	gain	VERB
cjrl-2282	403	88	favor	favor	NOUN
cjrl-2282	403	89	with	with	ADP
cjrl-2282	403	90	the	the	DET
cjrl-2282	403	91	minister	minister	NOUN
cjrl-2282	403	92	there	there	ADV
cjrl-2282	403	93	and	and	CCONJ
cjrl-2282	403	94	convince	convince	VERB
cjrl-2282	403	95	him	he	PRON
cjrl-2282	403	96	to	to	PART
cjrl-2282	403	97	support	support	VERB
cjrl-2282	403	98	us	we	PRON
cjrl-2282	403	99	publicly	publicly	ADV
cjrl-2282	403	100	.	.	PUNCT
cjrl-2282	404	1	i	i	PRON
cjrl-2282	404	2	was	be	AUX
cjrl-2282	404	3	instructed	instruct	VERB
cjrl-2282	404	4	by	by	ADP
cjrl-2282	404	5	my	my	PRON
cjrl-2282	404	6	boss	boss	NOUN
cjrl-2282	404	7	to	to	PART
cjrl-2282	404	8	offer	offer	VERB
cjrl-2282	404	9	the	the	DET
cjrl-2282	404	10	church	church	NOUN
cjrl-2282	404	11	$	$	SYM
cjrl-2282	404	12	800	800	NUM
cjrl-2282	404	13	to	to	PART
cjrl-2282	404	14	send	send	VERB
cjrl-2282	404	15	several	several	ADJ
cjrl-2282	404	16	children	child	NOUN
cjrl-2282	404	17	to	to	ADP
cjrl-2282	404	18	summer	summer	NOUN
cjrl-2282	404	19	camp	camp	NOUN
cjrl-2282	404	20	in	in	ADP
cjrl-2282	404	21	return	return	NOUN
cjrl-2282	404	22	for	for	ADP
cjrl-2282	404	23	the	the	DET
cjrl-2282	404	24	pastor	pastor	NOUN
cjrl-2282	404	25	testifying	testify	VERB
cjrl-2282	404	26	against	against	ADP
cjrl-2282	404	27	.	.	PUNCT
cjrl-2282	404	28	.	.	PUNCT
cjrl-2282	404	29	.	.	PUNCT
cjrl-2282	405	1	on	on	ADP
cjrl-2282	405	2	reducing	reduce	VERB
cjrl-2282	405	3	payday	payday	NOUN
cjrl-2282	405	4	loan	loan	NOUN
cjrl-2282	405	5	interest	interest	NOUN
cjrl-2282	405	6	rates	rate	NOUN
cjrl-2282	405	7	.	.	PUNCT
cjrl-2282	406	1	i	i	PRON
cjrl-2282	406	2	did	do	VERB
cjrl-2282	406	3	this	this	PRON
cjrl-2282	406	4	.	.	PUNCT
cjrl-2282	407	1	but	but	CCONJ
cjrl-2282	407	2	in	in	ADP
cjrl-2282	407	3	the	the	DET
cjrl-2282	407	4	end	end	NOUN
cjrl-2282	407	5	,	,	PUNCT
cjrl-2282	407	6	the	the	DET
cjrl-2282	407	7	minister	minister	NOUN
cjrl-2282	407	8	walked	walk	VERB
cjrl-2282	407	9	out	out	ADP
cjrl-2282	407	10	of	of	ADP
cjrl-2282	407	11	the	the	DET
cjrl-2282	407	12	council	council	PROPN
cjrl-2282	407	13	chamber	chamber	NOUN
cjrl-2282	407	14	without	without	ADP
cjrl-2282	407	15	testifying	testify	VERB
cjrl-2282	407	16	because	because	SCONJ
cjrl-2282	407	17	he	he	PRON
cjrl-2282	407	18	was	be	AUX
cjrl-2282	407	19	embarrassed	embarrassed	ADJ
cjrl-2282	407	20	at	at	ADP
cjrl-2282	407	21	what	what	PRON
cjrl-2282	407	22	he	he	PRON
cjrl-2282	407	23	had	have	AUX
cjrl-2282	407	24	been	be	AUX
cjrl-2282	407	25	asked	ask	VERB
cjrl-2282	407	26	to	to	PART
cjrl-2282	407	27	do	do	VERB
cjrl-2282	407	28	.	.	PUNCT
cjrl-2282	408	1	i	i	PRON
cjrl-2282	408	2	was	be	AUX
cjrl-2282	408	3	told	tell	VERB
cjrl-2282	408	4	to	to	PART
cjrl-2282	408	5	pressure	pressure	VERB
cjrl-2282	408	6	him	he	PRON
cjrl-2282	408	7	to	to	PART
cjrl-2282	408	8	go	go	VERB
cjrl-2282	408	9	back	back	ADV
cjrl-2282	408	10	into	into	ADP
cjrl-2282	408	11	the	the	DET
cjrl-2282	408	12	room	room	NOUN
cjrl-2282	408	13	,	,	PUNCT
cjrl-2282	408	14	but	but	CCONJ
cjrl-2282	408	15	he	he	PRON
cjrl-2282	408	16	would	would	AUX
cjrl-2282	408	17	n’t	not	PART
cjrl-2282	408	18	do	do	VERB
cjrl-2282	408	19	it.80	it.80	PROPN
cjrl-2282	408	20	70	70	NUM
cjrl-2282	408	21	charis	charis	PROPN
cjrl-2282	408	22	e.	e.	PROPN
cjrl-2282	408	23	kubrin	kubrin	PROPN
cjrl-2282	408	24	et	et	PROPN
cjrl-2282	408	25	al	al	PROPN
cjrl-2282	408	26	.	.	PROPN
cjrl-2282	408	27	,	,	PUNCT
cjrl-2282	408	28	does	do	AUX
cjrl-2282	408	29	fringe	fringe	VERB
cjrl-2282	408	30	banking	banking	NOUN
cjrl-2282	408	31	exacerbate	exacerbate	VERB
cjrl-2282	408	32	neighborhood	neighborhood	NOUN
cjrl-2282	408	33	crime	crime	NOUN
cjrl-2282	408	34	rates	rate	NOUN
cjrl-2282	408	35	?	?	PUNCT
cjrl-2282	409	1	investigating	investigate	VERB
cjrl-2282	409	2	the	the	DET
cjrl-2282	409	3	social	social	ADJ
cjrl-2282	409	4	ecology	ecology	NOUN
cjrl-2282	409	5	of	of	ADP
cjrl-2282	409	6	payday	payday	PROPN
cjrl-2282	409	7	lending	lending	NOUN
cjrl-2282	409	8	,	,	PUNCT
cjrl-2282	409	9	10	10	NUM
cjrl-2282	409	10	criminology	criminology	NOUN
cjrl-2282	409	11	&	&	CCONJ
cjrl-2282	409	12	pub	pub	NOUN
cjrl-2282	409	13	.	.	PUNCT
cjrl-2282	410	1	pol’y	pol’y	NOUN
cjrl-2282	410	2	439	439	NUM
cjrl-2282	410	3	(	(	PUNCT
cjrl-2282	410	4	2011	2011	NUM
cjrl-2282	410	5	)	)	PUNCT
cjrl-2282	410	6	.	.	PUNCT
cjrl-2282	411	1	71	71	NUM
cjrl-2282	411	2	short	short	ADJ
cjrl-2282	411	3	-	-	PUNCT
cjrl-2282	411	4	term	term	NOUN
cjrl-2282	411	5	cash	cash	NOUN
cjrl-2282	411	6	,	,	PUNCT
cjrl-2282	411	7	long	long	ADJ
cjrl-2282	411	8	-	-	PUNCT
cjrl-2282	411	9	term	term	NOUN
cjrl-2282	411	10	debt	debt	NOUN
cjrl-2282	411	11	,	,	PUNCT
cjrl-2282	411	12	supra	supra	PROPN
cjrl-2282	411	13	note	note	NOUN
cjrl-2282	411	14	43	43	NUM
cjrl-2282	411	15	,	,	PUNCT
cjrl-2282	411	16	at	at	ADP
cjrl-2282	411	17	15	15	NUM
cjrl-2282	411	18	.	.	PUNCT
cjrl-2282	411	19	72	72	NUM
cjrl-2282	412	1	i	i	PRON
cjrl-2282	412	2	d.	d.	PROPN
cjrl-2282	412	3	at	at	ADP
cjrl-2282	412	4	16	16	NUM
cjrl-2282	412	5	.	.	PUNCT
cjrl-2282	413	1	73	73	NUM
cjrl-2282	413	2	who	who	PRON
cjrl-2282	413	3	borrows	borrow	VERB
cjrl-2282	413	4	,	,	PUNCT
cjrl-2282	413	5	where	where	SCONJ
cjrl-2282	413	6	they	they	PRON
cjrl-2282	413	7	borrow	borrow	VERB
cjrl-2282	413	8	,	,	PUNCT
cjrl-2282	413	9	and	and	CCONJ
cjrl-2282	414	1	why	why	SCONJ
cjrl-2282	414	2	,	,	PUNCT
cjrl-2282	414	3	supra	supra	PROPN
cjrl-2282	414	4	note	note	NOUN
cjrl-2282	414	5	43	43	NUM
cjrl-2282	414	6	,	,	PUNCT
cjrl-2282	414	7	at	at	ADP
cjrl-2282	414	8	13	13	NUM
cjrl-2282	414	9	.	.	X
cjrl-2282	414	10	74	74	NUM
cjrl-2282	415	1	i	i	PRON
cjrl-2282	415	2	d.	d.	PROPN
cjrl-2282	415	3	at	at	ADP
cjrl-2282	415	4	35	35	NUM
cjrl-2282	415	5	.	.	PUNCT
cjrl-2282	416	1	75	75	NUM
cjrl-2282	416	2	i	i	NOUN
cjrl-2282	416	3	d	d	PROPN
cjrl-2282	416	4	;	;	PUNCT
cjrl-2282	416	5	see	see	VERB
cjrl-2282	416	6	also	also	ADV
cjrl-2282	416	7	kubrin	kubrin	PROPN
cjrl-2282	416	8	et	et	PROPN
cjrl-2282	416	9	al	al	PROPN
cjrl-2282	416	10	.	.	PROPN
cjrl-2282	416	11	,	,	PUNCT
cjrl-2282	416	12	supra	supra	PROPN
cjrl-2282	416	13	note	note	PROPN
cjrl-2282	416	14	70	70	NUM
cjrl-2282	416	15	.	.	PUNCT
cjrl-2282	417	1	76	76	NUM
cjrl-2282	417	2	see	see	VERB
cjrl-2282	417	3	steven	steven	PROPN
cjrl-2282	417	4	m.	m.	PROPN
cjrl-2282	417	5	graves	graves	PROPN
cjrl-2282	417	6	&	&	CCONJ
cjrl-2282	417	7	christopher	christopher	PROPN
cjrl-2282	417	8	l.	l.	PROPN
cjrl-2282	417	9	peterson	peterson	PROPN
cjrl-2282	417	10	,	,	PUNCT
cjrl-2282	417	11	predatory	predatory	NOUN
cjrl-2282	417	12	lending	lending	NOUN
cjrl-2282	417	13	and	and	CCONJ
cjrl-2282	417	14	the	the	DET
cjrl-2282	417	15	military	military	NOUN
cjrl-2282	417	16	:	:	PUNCT
cjrl-2282	417	17	the	the	DET
cjrl-2282	417	18	law	law	NOUN
cjrl-2282	417	19	and	and	CCONJ
cjrl-2282	417	20	geography	geography	NOUN
cjrl-2282	417	21	of	of	ADP
cjrl-2282	417	22	"	"	PUNCT
cjrl-2282	417	23	payday	payday	NOUN
cjrl-2282	417	24	"	"	PUNCT
cjrl-2282	417	25	loans	loan	NOUN
cjrl-2282	417	26	in	in	ADP
cjrl-2282	417	27	military	military	ADJ
cjrl-2282	417	28	towns	town	NOUN
cjrl-2282	417	29	,	,	PUNCT
cjrl-2282	418	1	66	66	NUM
cjrl-2282	418	2	ohio	ohio	PROPN
cjrl-2282	418	3	st	st	PROPN
cjrl-2282	418	4	.	.	PROPN
cjrl-2282	418	5	l.j	l.j	PROPN
cjrl-2282	418	6	.	.	PROPN
cjrl-2282	418	7	653	653	NUM
cjrl-2282	418	8	(	(	PUNCT
cjrl-2282	418	9	2005	2005	NUM
cjrl-2282	418	10	)	)	PUNCT
cjrl-2282	418	11	.	.	PUNCT
cjrl-2282	419	1	77	77	NUM
cjrl-2282	419	2	press	press	NOUN
cjrl-2282	419	3	release	release	NOUN
cjrl-2282	419	4	,	,	PUNCT
cjrl-2282	419	5	ohio	ohio	PROPN
cjrl-2282	419	6	coalition	coalition	NOUN
cjrl-2282	419	7	for	for	ADP
cjrl-2282	419	8	responsible	responsible	ADJ
cjrl-2282	419	9	lending	lending	NOUN
cjrl-2282	419	10	,	,	PUNCT
cjrl-2282	419	11	payday	payday	NOUN
cjrl-2282	419	12	lending	lending	NOUN
cjrl-2282	419	13	industry	industry	NOUN
cjrl-2282	419	14	insiders	insider	NOUN
cjrl-2282	419	15	tell	tell	VERB
cjrl-2282	419	16	all	all	PRON
cjrl-2282	419	17	:	:	PUNCT
cjrl-2282	419	18	unsavory	unsavory	ADJ
cjrl-2282	419	19	details	detail	NOUN
cjrl-2282	419	20	emerge	emerge	VERB
cjrl-2282	419	21	about	about	ADP
cjrl-2282	419	22	the	the	DET
cjrl-2282	419	23	debt	debt	NOUN
cjrl-2282	419	24	trap	trap	NOUN
cjrl-2282	419	25	and	and	CCONJ
cjrl-2282	419	26	much	much	ADV
cjrl-2282	419	27	more	more	ADJ
cjrl-2282	419	28	1	1	NUM
cjrl-2282	419	29	(	(	PUNCT
cjrl-2282	419	30	sept	sept	PROPN
cjrl-2282	419	31	.	.	PROPN
cjrl-2282	419	32	11	11	NUM
cjrl-2282	419	33	,	,	PUNCT
cjrl-2282	419	34	2007	2007	NUM
cjrl-2282	419	35	)	)	PUNCT
cjrl-2282	419	36	,	,	PUNCT
cjrl-2282	419	37	available	available	ADJ
cjrl-2282	419	38	at	at	ADP
cjrl-2282	419	39	http://www.cohhio.org/pdf/nr_09112007.pdf	http://www.cohhio.org/pdf/nr_09112007.pdf	NOUN
cjrl-2282	419	40	.	.	PUNCT
cjrl-2282	420	1	78	78	NUM
cjrl-2282	421	1	i	i	PRON
cjrl-2282	421	2	d.	d.	PROPN
cjrl-2282	421	3	79	79	NUM
cjrl-2282	422	1	i	i	PRON
cjrl-2282	422	2	d.	d.	PROPN
cjrl-2282	422	3	80	80	NUM
cjrl-2282	423	1	i	i	PRON
cjrl-2282	423	2	d.	d.	PROPN
cjrl-2282	423	3	at	at	ADP
cjrl-2282	423	4	4	4	NUM
cjrl-2282	423	5	.	.	PUNCT
cjrl-2282	423	6	90	90	NUM
cjrl-2282	423	7	checking	check	VERB
cjrl-2282	423	8	out	out	ADP
cjrl-2282	423	9	the	the	DET
cjrl-2282	423	10	exception	exception	NOUN
cjrl-2282	423	11	to	to	ADP
cjrl-2282	423	12	3	3	NUM
cjrl-2282	423	13	-	-	SYM
cjrl-2282	423	14	104	104	NUM
cjrl-2282	423	15	vol	vol	NOUN
cjrl-2282	423	16	.	.	PUNCT
cjrl-2282	423	17	3:1	3:1	NUM
cjrl-2282	423	18	on	on	ADP
cjrl-2282	423	19	this	this	DET
cjrl-2282	423	20	point	point	NOUN
cjrl-2282	423	21	,	,	PUNCT
cjrl-2282	423	22	professor	professor	NOUN
cjrl-2282	423	23	creola	creola	PROPN
cjrl-2282	423	24	johnson	johnson	PROPN
cjrl-2282	423	25	has	have	AUX
cjrl-2282	423	26	identified	identify	VERB
cjrl-2282	423	27	four	four	NUM
cjrl-2282	423	28	advertising	advertising	NOUN
cjrl-2282	423	29	and	and	CCONJ
cjrl-2282	423	30	marketing	marketing	NOUN
cjrl-2282	423	31	ploys	ploy	NOUN
cjrl-2282	423	32	that	that	PRON
cjrl-2282	423	33	lenders	lender	NOUN
cjrl-2282	423	34	use	use	VERB
cjrl-2282	423	35	to	to	PART
cjrl-2282	423	36	victimize	victimize	VERB
cjrl-2282	423	37	communities	community	NOUN
cjrl-2282	423	38	of	of	ADP
cjrl-2282	423	39	color.81	color.81	PROPN
cjrl-2282	423	40	first	first	ADV
cjrl-2282	423	41	,	,	PUNCT
cjrl-2282	423	42	lenders	lender	NOUN
cjrl-2282	423	43	frequently	frequently	ADV
cjrl-2282	423	44	employ	employ	VERB
cjrl-2282	423	45	african	african	ADJ
cjrl-2282	423	46	american	american	ADJ
cjrl-2282	423	47	celebrities	celebrity	NOUN
cjrl-2282	423	48	to	to	PART
cjrl-2282	423	49	establish	establish	VERB
cjrl-2282	423	50	trust	trust	NOUN
cjrl-2282	423	51	and	and	CCONJ
cjrl-2282	423	52	rapport	rapport	NOUN
cjrl-2282	423	53	with	with	ADP
cjrl-2282	423	54	the	the	DET
cjrl-2282	423	55	community	community	NOUN
cjrl-2282	423	56	they	they	PRON
cjrl-2282	423	57	are	be	AUX
cjrl-2282	423	58	targeting.82	targeting.82	VERB
cjrl-2282	423	59	second	second	ADV
cjrl-2282	423	60	,	,	PUNCT
cjrl-2282	423	61	lenders	lender	NOUN
cjrl-2282	423	62	target	target	VERB
cjrl-2282	423	63	african	african	ADJ
cjrl-2282	423	64	american	american	ADJ
cjrl-2282	423	65	communities	community	NOUN
cjrl-2282	423	66	by	by	ADP
cjrl-2282	423	67	partnering	partner	VERB
cjrl-2282	423	68	with	with	ADP
cjrl-2282	423	69	leaders	leader	NOUN
cjrl-2282	423	70	in	in	ADP
cjrl-2282	423	71	the	the	DET
cjrl-2282	423	72	african	african	ADJ
cjrl-2282	423	73	american	american	PROPN
cjrl-2282	423	74	community	community	PROPN
cjrl-2282	423	75	,	,	PUNCT
cjrl-2282	423	76	including	include	VERB
cjrl-2282	423	77	local	local	ADJ
cjrl-2282	423	78	church	church	NOUN
cjrl-2282	423	79	leaders	leader	NOUN
cjrl-2282	423	80	.	.	PUNCT
cjrl-2282	424	1	third	third	ADJ
cjrl-2282	424	2	,	,	PUNCT
cjrl-2282	424	3	lenders	lender	NOUN
cjrl-2282	424	4	hire	hire	VERB
cjrl-2282	424	5	minorities	minority	NOUN
cjrl-2282	424	6	into	into	ADP
cjrl-2282	424	7	sales	sale	NOUN
cjrl-2282	424	8	positions	position	NOUN
cjrl-2282	424	9	for	for	ADP
cjrl-2282	424	10	the	the	DET
cjrl-2282	424	11	purpose	purpose	NOUN
cjrl-2282	424	12	of	of	ADP
cjrl-2282	424	13	soliciting	solicit	VERB
cjrl-2282	424	14	business	business	NOUN
cjrl-2282	424	15	in	in	ADP
cjrl-2282	424	16	the	the	DET
cjrl-2282	424	17	local	local	ADJ
cjrl-2282	424	18	minority	minority	NOUN
cjrl-2282	424	19	community	community	NOUN
cjrl-2282	424	20	,	,	PUNCT
cjrl-2282	424	21	as	as	SCONJ
cjrl-2282	424	22	was	be	AUX
cjrl-2282	424	23	the	the	DET
cjrl-2282	424	24	case	case	NOUN
cjrl-2282	424	25	with	with	ADP
cjrl-2282	424	26	mr	mr	PROPN
cjrl-2282	424	27	.	.	PROPN
cjrl-2282	424	28	harrod.83	harrod.83	PROPN
cjrl-2282	424	29	fourth	fourth	ADJ
cjrl-2282	424	30	,	,	PUNCT
cjrl-2282	424	31	lenders	lender	NOUN
cjrl-2282	424	32	design	design	VERB
cjrl-2282	424	33	marketing	marketing	NOUN
cjrl-2282	424	34	content	content	NOUN
cjrl-2282	424	35	that	that	PRON
cjrl-2282	424	36	combines	combine	VERB
cjrl-2282	424	37	racial	racial	ADJ
cjrl-2282	424	38	and	and	CCONJ
cjrl-2282	424	39	religious	religious	ADJ
cjrl-2282	424	40	imagery	imagery	NOUN
cjrl-2282	424	41	in	in	ADP
cjrl-2282	424	42	order	order	NOUN
cjrl-2282	424	43	to	to	PART
cjrl-2282	424	44	appeal	appeal	VERB
cjrl-2282	424	45	to	to	ADP
cjrl-2282	424	46	faith	faith	NOUN
cjrl-2282	424	47	-	-	PUNCT
cjrl-2282	424	48	based	base	VERB
cjrl-2282	424	49	minority	minority	NOUN
cjrl-2282	424	50	targets.84	targets.84	NOUN
cjrl-2282	424	51	as	as	ADP
cjrl-2282	424	52	a	a	DET
cjrl-2282	424	53	result	result	NOUN
cjrl-2282	424	54	of	of	ADP
cjrl-2282	424	55	the	the	DET
cjrl-2282	424	56	advertising	advertising	NOUN
cjrl-2282	424	57	and	and	CCONJ
cjrl-2282	424	58	business	business	NOUN
cjrl-2282	424	59	tactics	tactic	NOUN
cjrl-2282	424	60	of	of	ADP
cjrl-2282	424	61	the	the	DET
cjrl-2282	424	62	payday	payday	NOUN
cjrl-2282	424	63	lending	lending	NOUN
cjrl-2282	424	64	industry	industry	NOUN
cjrl-2282	424	65	,	,	PUNCT
cjrl-2282	424	66	payday	payday	NOUN
cjrl-2282	424	67	lending	lending	NOUN
cjrl-2282	424	68	stores	store	NOUN
cjrl-2282	424	69	are	be	AUX
cjrl-2282	424	70	more	more	ADV
cjrl-2282	424	71	likely	likely	ADJ
cjrl-2282	424	72	to	to	PART
cjrl-2282	424	73	be	be	AUX
cjrl-2282	424	74	situated	situate	VERB
cjrl-2282	424	75	in	in	ADP
cjrl-2282	424	76	areas	area	NOUN
cjrl-2282	424	77	with	with	ADP
cjrl-2282	424	78	large	large	ADJ
cjrl-2282	424	79	minority	minority	NOUN
cjrl-2282	424	80	populations,85	populations,85	NOUN
cjrl-2282	424	81	and	and	CCONJ
cjrl-2282	424	82	thus	thus	ADV
cjrl-2282	424	83	payday	payday	NOUN
cjrl-2282	424	84	loan	loan	NOUN
cjrl-2282	424	85	customers	customer	NOUN
cjrl-2282	424	86	are	be	AUX
cjrl-2282	424	87	more	more	ADV
cjrl-2282	424	88	likely	likely	ADJ
cjrl-2282	424	89	to	to	PART
cjrl-2282	424	90	be	be	AUX
cjrl-2282	424	91	minorities.86	minorities.86	ADJ
cjrl-2282	424	92	due	due	ADP
cjrl-2282	424	93	to	to	ADP
cjrl-2282	424	94	the	the	DET
cjrl-2282	424	95	nature	nature	NOUN
cjrl-2282	424	96	of	of	ADP
cjrl-2282	424	97	payday	payday	NOUN
cjrl-2282	424	98	loans	loan	NOUN
cjrl-2282	424	99	,	,	PUNCT
cjrl-2282	424	100	the	the	DET
cjrl-2282	424	101	eventual	eventual	ADJ
cjrl-2282	424	102	negative	negative	ADJ
cjrl-2282	424	103	effect	effect	NOUN
cjrl-2282	424	104	is	be	AUX
cjrl-2282	424	105	that	that	SCONJ
cjrl-2282	424	106	minorities	minority	NOUN
cjrl-2282	424	107	are	be	AUX
cjrl-2282	424	108	ultimately	ultimately	ADV
cjrl-2282	424	109	more	more	ADV
cjrl-2282	424	110	likely	likely	ADJ
cjrl-2282	424	111	to	to	PART
cjrl-2282	424	112	become	become	VERB
cjrl-2282	424	113	trapped	trapped	ADJ
cjrl-2282	424	114	in	in	ADP
cjrl-2282	424	115	a	a	DET
cjrl-2282	424	116	vicious	vicious	ADJ
cjrl-2282	424	117	cycle	cycle	NOUN
cjrl-2282	424	118	involving	involve	VERB
cjrl-2282	424	119	payday	payday	NOUN
cjrl-2282	424	120	loan	loan	NOUN
cjrl-2282	424	121	debt	debt	NOUN
cjrl-2282	424	122	than	than	ADP
cjrl-2282	424	123	non	non	ADJ
cjrl-2282	424	124	-	-	ADJ
cjrl-2282	424	125	minorities.87	minorities.87	NOUN
cjrl-2282	424	126	of	of	ADP
cjrl-2282	424	127	course	course	NOUN
cjrl-2282	424	128	,	,	PUNCT
cjrl-2282	424	129	concerns	concern	NOUN
cjrl-2282	424	130	about	about	ADP
cjrl-2282	424	131	poverty	poverty	NOUN
cjrl-2282	424	132	and	and	CCONJ
cjrl-2282	424	133	economic	economic	ADJ
cjrl-2282	424	134	development	development	NOUN
cjrl-2282	424	135	have	have	AUX
cjrl-2282	424	136	long	long	ADV
cjrl-2282	424	137	been	be	AUX
cjrl-2282	424	138	of	of	ADP
cjrl-2282	424	139	prime	prime	ADJ
cjrl-2282	424	140	importance	importance	NOUN
cjrl-2282	424	141	to	to	ADP
cjrl-2282	424	142	african	african	ADJ
cjrl-2282	424	143	american	american	ADJ
cjrl-2282	424	144	communities	community	NOUN
cjrl-2282	424	145	,	,	PUNCT
cjrl-2282	424	146	the	the	DET
cjrl-2282	424	147	intransigence	intransigence	NOUN
cjrl-2282	424	148	of	of	ADP
cjrl-2282	424	149	which	which	PRON
cjrl-2282	424	150	have	have	AUX
cjrl-2282	424	151	been	be	AUX
cjrl-2282	424	152	vexing	vex	VERB
cjrl-2282	424	153	to	to	ADP
cjrl-2282	424	154	generations	generation	NOUN
cjrl-2282	424	155	of	of	ADP
cjrl-2282	424	156	community	community	NOUN
cjrl-2282	424	157	activists	activist	NOUN
cjrl-2282	424	158	who	who	PRON
cjrl-2282	424	159	have	have	AUX
cjrl-2282	424	160	worked	work	VERB
cjrl-2282	424	161	tirelessly	tirelessly	ADV
cjrl-2282	424	162	to	to	PART
cjrl-2282	424	163	address	address	VERB
cjrl-2282	424	164	these	these	DET
cjrl-2282	424	165	concerns.88	concerns.88	NOUN
cjrl-2282	424	166	in	in	ADP
cjrl-2282	424	167	the	the	DET
cjrl-2282	424	168	aggregate	aggregate	NOUN
cjrl-2282	424	169	,	,	PUNCT
cjrl-2282	424	170	payday	payday	NOUN
cjrl-2282	424	171	loans	loan	NOUN
cjrl-2282	424	172	damage	damage	NOUN
cjrl-2282	424	173	communities	community	NOUN
cjrl-2282	424	174	by	by	ADP
cjrl-2282	424	175	perpetuating	perpetuate	VERB
cjrl-2282	424	176	the	the	DET
cjrl-2282	424	177	continuation	continuation	NOUN
cjrl-2282	424	178	of	of	ADP
cjrl-2282	424	179	a	a	DET
cjrl-2282	424	180	cycle	cycle	NOUN
cjrl-2282	424	181	of	of	ADP
cjrl-2282	424	182	poverty	poverty	NOUN
cjrl-2282	424	183	,	,	PUNCT
cjrl-2282	424	184	luring	lure	VERB
cjrl-2282	424	185	people	people	NOUN
cjrl-2282	424	186	to	to	PART
cjrl-2282	424	187	borrow	borrow	VERB
cjrl-2282	424	188	money	money	NOUN
cjrl-2282	424	189	against	against	ADP
cjrl-2282	424	190	their	their	PRON
cjrl-2282	424	191	future	future	ADJ
cjrl-2282	424	192	salaries	salary	NOUN
cjrl-2282	424	193	just	just	ADV
cjrl-2282	424	194	to	to	PART
cjrl-2282	424	195	pay	pay	VERB
cjrl-2282	424	196	for	for	ADP
cjrl-2282	424	197	current	current	ADJ
cjrl-2282	424	198	every	every	DET
cjrl-2282	424	199	day	day	NOUN
cjrl-2282	424	200	needs	need	VERB
cjrl-2282	424	201	for	for	ADP
cjrl-2282	424	202	their	their	PRON
cjrl-2282	424	203	households	household	NOUN
cjrl-2282	424	204	.	.	PUNCT
cjrl-2282	425	1	one	one	NUM
cjrl-2282	425	2	study	study	NOUN
cjrl-2282	425	3	of	of	ADP
cjrl-2282	425	4	payday	payday	NOUN
cjrl-2282	425	5	lending	lending	NOUN
cjrl-2282	425	6	practices	practice	NOUN
cjrl-2282	425	7	in	in	ADP
cjrl-2282	425	8	california	california	PROPN
cjrl-2282	425	9	found	find	VERB
cjrl-2282	425	10	that	that	SCONJ
cjrl-2282	425	11	payday	payday	NOUN
cjrl-2282	425	12	loan	loan	NOUN
cjrl-2282	425	13	operators	operator	NOUN
cjrl-2282	425	14	sapped	sap	VERB
cjrl-2282	425	15	$	$	SYM
cjrl-2282	425	16	247	247	NUM
cjrl-2282	425	17	million	million	NUM
cjrl-2282	425	18	in	in	ADP
cjrl-2282	425	19	fees	fee	NOUN
cjrl-2282	425	20	annually	annually	ADV
cjrl-2282	425	21	from	from	ADP
cjrl-2282	425	22	primarily	primarily	ADV
cjrl-2282	425	23	minority	minority	NOUN
cjrl-2282	425	24	communities.89	communities.89	NOUN
cjrl-2282	425	25	another	another	DET
cjrl-2282	425	26	study	study	NOUN
cjrl-2282	425	27	,	,	PUNCT
cjrl-2282	425	28	conducted	conduct	VERB
cjrl-2282	425	29	across	across	ADP
cjrl-2282	425	30	multiple	multiple	ADJ
cjrl-2282	425	31	states	state	NOUN
cjrl-2282	425	32	and	and	CCONJ
cjrl-2282	425	33	regions	region	NOUN
cjrl-2282	425	34	,	,	PUNCT
cjrl-2282	425	35	found	find	VERB
cjrl-2282	425	36	that	that	SCONJ
cjrl-2282	425	37	payday	payday	NOUN
cjrl-2282	425	38	loans	loan	NOUN
cjrl-2282	425	39	extracted	extract	VERB
cjrl-2282	425	40	$	$	SYM
cjrl-2282	425	41	3.1	3.1	NUM
cjrl-2282	425	42	billion	billion	NUM
cjrl-2282	425	43	in	in	ADP
cjrl-2282	425	44	fees	fee	NOUN
cjrl-2282	425	45	from	from	ADP
cjrl-2282	425	46	borrowers	borrower	NOUN
cjrl-2282	425	47	,	,	PUNCT
cjrl-2282	425	48	many	many	ADJ
cjrl-2282	425	49	of	of	ADP
cjrl-2282	425	50	whom	whom	PRON
cjrl-2282	425	51	are	be	AUX
cjrl-2282	425	52	minority	minority	NOUN
cjrl-2282	425	53	or	or	CCONJ
cjrl-2282	425	54	lower	low	ADJ
cjrl-2282	425	55	-	-	PUNCT
cjrl-2282	425	56	income	income	NOUN
cjrl-2282	425	57	consumers.90	consumers.90	PROPN
cjrl-2282	425	58	without	without	ADP
cjrl-2282	425	59	financial	financial	ADJ
cjrl-2282	425	60	resources	resource	NOUN
cjrl-2282	425	61	,	,	PUNCT
cjrl-2282	425	62	it	it	PRON
cjrl-2282	425	63	is	be	AUX
cjrl-2282	425	64	nearly	nearly	ADV
cjrl-2282	425	65	impossible	impossible	ADJ
cjrl-2282	425	66	to	to	PART
cjrl-2282	425	67	reinvigorate	reinvigorate	VERB
cjrl-2282	425	68	a	a	DET
cjrl-2282	425	69	community	community	NOUN
cjrl-2282	425	70	.	.	PUNCT
cjrl-2282	426	1	for	for	ADP
cjrl-2282	426	2	instance	instance	NOUN
cjrl-2282	426	3	,	,	PUNCT
cjrl-2282	426	4	without	without	ADP
cjrl-2282	426	5	a	a	DET
cjrl-2282	426	6	reliable	reliable	ADJ
cjrl-2282	426	7	customer	customer	NOUN
cjrl-2282	426	8	base	base	NOUN
cjrl-2282	426	9	,	,	PUNCT
cjrl-2282	426	10	businesses	business	NOUN
cjrl-2282	426	11	will	will	AUX
cjrl-2282	426	12	not	not	PART
cjrl-2282	426	13	want	want	VERB
cjrl-2282	426	14	to	to	PART
cjrl-2282	426	15	move	move	VERB
cjrl-2282	426	16	to	to	ADP
cjrl-2282	426	17	a	a	DET
cjrl-2282	426	18	particular	particular	ADJ
cjrl-2282	426	19	community	community	NOUN
cjrl-2282	426	20	.	.	PUNCT
cjrl-2282	427	1	on	on	ADP
cjrl-2282	427	2	a	a	DET
cjrl-2282	427	3	macro	macro	ADJ
cjrl-2282	427	4	level	level	NOUN
cjrl-2282	427	5	,	,	PUNCT
cjrl-2282	427	6	payday	payday	NOUN
cjrl-2282	427	7	loans	loan	NOUN
cjrl-2282	427	8	therefore	therefore	ADV
cjrl-2282	427	9	reduce	reduce	VERB
cjrl-2282	427	10	the	the	DET
cjrl-2282	427	11	overall	overall	ADJ
cjrl-2282	427	12	financial	financial	ADJ
cjrl-2282	427	13	well	well	NOUN
cjrl-2282	427	14	-	-	PUNCT
cjrl-2282	427	15	being	being	NOUN
cjrl-2282	427	16	of	of	ADP
cjrl-2282	427	17	minority	minority	NOUN
cjrl-2282	427	18	communities	community	NOUN
cjrl-2282	427	19	,	,	PUNCT
cjrl-2282	427	20	thereby	thereby	ADV
cjrl-2282	427	21	retarding	retard	VERB
cjrl-2282	427	22	economic	economic	ADJ
cjrl-2282	427	23	development	development	NOUN
cjrl-2282	427	24	and	and	CCONJ
cjrl-2282	427	25	postponing	postpone	VERB
cjrl-2282	427	26	social	social	ADJ
cjrl-2282	427	27	justice	justice	NOUN
cjrl-2282	427	28	.	.	PUNCT
cjrl-2282	428	1	3	3	X
cjrl-2282	428	2	.	.	X
cjrl-2282	428	3	payday	payday	NOUN
cjrl-2282	428	4	lending	lending	NOUN
cjrl-2282	428	5	and	and	CCONJ
cjrl-2282	428	6	bankruptcy	bankruptcy	NOUN
cjrl-2282	428	7	81	81	NUM
cjrl-2282	428	8	see	see	VERB
cjrl-2282	428	9	creola	creola	PROPN
cjrl-2282	428	10	johnson	johnson	PROPN
cjrl-2282	428	11	,	,	PUNCT
cjrl-2282	428	12	the	the	DET
cjrl-2282	428	13	magic	magic	NOUN
cjrl-2282	428	14	of	of	ADP
cjrl-2282	428	15	group	group	NOUN
cjrl-2282	428	16	identity	identity	NOUN
cjrl-2282	428	17	:	:	PUNCT
cjrl-2282	428	18	how	how	SCONJ
cjrl-2282	428	19	predatory	predatory	ADJ
cjrl-2282	428	20	lenders	lender	NOUN
cjrl-2282	428	21	use	use	VERB
cjrl-2282	428	22	minorities	minority	NOUN
cjrl-2282	428	23	to	to	PART
cjrl-2282	428	24	target	target	VERB
cjrl-2282	428	25	communities	community	NOUN
cjrl-2282	428	26	of	of	ADP
cjrl-2282	428	27	color	color	NOUN
cjrl-2282	428	28	,	,	PUNCT
cjrl-2282	428	29	17	17	NUM
cjrl-2282	428	30	geo	geo	PROPN
cjrl-2282	428	31	.	.	PUNCT
cjrl-2282	429	1	j.	j.	PROPN
cjrl-2282	429	2	poverty	poverty	PROPN
cjrl-2282	429	3	law	law	PROPN
cjrl-2282	429	4	&	&	CCONJ
cjrl-2282	429	5	pol'y	pol'y	NOUN
cjrl-2282	429	6	165	165	NUM
cjrl-2282	429	7	,	,	PUNCT
cjrl-2282	429	8	168	168	NUM
cjrl-2282	429	9	(	(	PUNCT
cjrl-2282	429	10	2010	2010	NUM
cjrl-2282	429	11	)	)	PUNCT
cjrl-2282	429	12	.	.	PUNCT
cjrl-2282	430	1	82	82	NUM
cjrl-2282	431	1	i	i	PRON
cjrl-2282	431	2	d.	d.	PROPN
cjrl-2282	431	3	at	at	ADP
cjrl-2282	431	4	171	171	NUM
cjrl-2282	431	5	.	.	PUNCT
cjrl-2282	432	1	83	83	NUM
cjrl-2282	432	2	johnson	johnson	PROPN
cjrl-2282	432	3	,	,	PUNCT
cjrl-2282	432	4	supra	supra	PROPN
cjrl-2282	432	5	note	note	PROPN
cjrl-2282	432	6	81	81	NUM
cjrl-2282	432	7	,	,	PUNCT
cjrl-2282	432	8	at	at	ADP
cjrl-2282	432	9	174–75	174–75	NUM
cjrl-2282	432	10	.	.	PUNCT
cjrl-2282	432	11	84	84	NUM
cjrl-2282	433	1	i	i	PRON
cjrl-2282	433	2	d.	d.	PROPN
cjrl-2282	433	3	at	at	ADP
cjrl-2282	433	4	175–76	175–76	NUM
cjrl-2282	433	5	.	.	PUNCT
cjrl-2282	433	6	85	85	NUM
cjrl-2282	434	1	i	i	PRON
cjrl-2282	434	2	d.	d.	PROPN
cjrl-2282	434	3	86	86	NUM
cjrl-2282	435	1	i	i	PRON
cjrl-2282	435	2	d.	d.	PROPN
cjrl-2282	435	3	87	87	NUM
cjrl-2282	435	4	see	see	VERB
cjrl-2282	435	5	johnson	johnson	PROPN
cjrl-2282	435	6	,	,	PUNCT
cjrl-2282	435	7	supra	supra	PROPN
cjrl-2282	435	8	note	note	PROPN
cjrl-2282	435	9	81	81	NUM
cjrl-2282	435	10	,	,	PUNCT
cjrl-2282	435	11	at	at	ADP
cjrl-2282	435	12	186–88	186–88	NUM
cjrl-2282	435	13	.	.	PUNCT
cjrl-2282	436	1	88	88	NUM
cjrl-2282	436	2	see	see	VERB
cjrl-2282	436	3	,	,	PUNCT
cjrl-2282	436	4	e.g.	e.g.	ADV
cjrl-2282	436	5	,	,	PUNCT
cjrl-2282	436	6	ethan	ethan	PROPN
cjrl-2282	436	7	cohen	cohen	PROPN
cjrl-2282	436	8	-	-	PUNCT
cjrl-2282	436	9	cole	cole	PROPN
cjrl-2282	436	10	,	,	PUNCT
cjrl-2282	436	11	credit	credit	NOUN
cjrl-2282	436	12	card	card	NOUN
cjrl-2282	436	13	redlining	redlining	NOUN
cjrl-2282	436	14	(	(	PUNCT
cjrl-2282	436	15	2009	2009	NUM
cjrl-2282	436	16	)	)	PUNCT
cjrl-2282	436	17	(	(	PUNCT
cjrl-2282	436	18	describing	describe	VERB
cjrl-2282	436	19	“	"	PUNCT
cjrl-2282	436	20	disinvestment	disinvestment	NOUN
cjrl-2282	436	21	”	"	PUNCT
cjrl-2282	436	22	in	in	ADP
cjrl-2282	436	23	urban	urban	ADJ
cjrl-2282	436	24	areas	area	NOUN
cjrl-2282	436	25	dating	date	VERB
cjrl-2282	436	26	back	back	ADV
cjrl-2282	436	27	to	to	ADP
cjrl-2282	436	28	world	world	PROPN
cjrl-2282	436	29	war	war	PROPN
cjrl-2282	436	30	ii	ii	PROPN
cjrl-2282	436	31	and	and	CCONJ
cjrl-2282	436	32	discrimination	discrimination	NOUN
cjrl-2282	436	33	in	in	ADP
cjrl-2282	436	34	access	access	NOUN
cjrl-2282	436	35	to	to	ADP
cjrl-2282	436	36	credit	credit	NOUN
cjrl-2282	436	37	as	as	ADP
cjrl-2282	436	38	contributing	contribute	VERB
cjrl-2282	436	39	to	to	ADP
cjrl-2282	436	40	the	the	DET
cjrl-2282	436	41	“	"	PUNCT
cjrl-2282	436	42	economic	economic	ADJ
cjrl-2282	436	43	malaise	malaise	NOUN
cjrl-2282	436	44	”	"	PUNCT
cjrl-2282	436	45	which	which	PRON
cjrl-2282	436	46	now	now	ADV
cjrl-2282	436	47	faces	face	VERB
cjrl-2282	436	48	many	many	ADJ
cjrl-2282	436	49	minority	minority	NOUN
cjrl-2282	436	50	population	population	NOUN
cjrl-2282	436	51	centers	center	NOUN
cjrl-2282	436	52	across	across	ADP
cjrl-2282	436	53	the	the	DET
cjrl-2282	436	54	country	country	NOUN
cjrl-2282	436	55	)	)	PUNCT
cjrl-2282	436	56	.	.	PUNCT
cjrl-2282	437	1	this	this	DET
cjrl-2282	437	2	issue	issue	NOUN
cjrl-2282	437	3	can	can	AUX
cjrl-2282	437	4	be	be	AUX
cjrl-2282	437	5	traced	trace	VERB
cjrl-2282	437	6	as	as	ADV
cjrl-2282	437	7	far	far	ADV
cjrl-2282	437	8	back	back	ADV
cjrl-2282	437	9	as	as	ADP
cjrl-2282	437	10	the	the	DET
cjrl-2282	437	11	end	end	NOUN
cjrl-2282	437	12	of	of	ADP
cjrl-2282	437	13	the	the	DET
cjrl-2282	437	14	civil	civil	ADJ
cjrl-2282	437	15	war	war	NOUN
cjrl-2282	437	16	and	and	CCONJ
cjrl-2282	437	17	reconstruction	reconstruction	NOUN
cjrl-2282	437	18	.	.	PUNCT
cjrl-2282	438	1	it	it	PRON
cjrl-2282	438	2	was	be	AUX
cjrl-2282	438	3	during	during	ADP
cjrl-2282	438	4	this	this	DET
cjrl-2282	438	5	time	time	NOUN
cjrl-2282	438	6	that	that	PRON
cjrl-2282	438	7	america	america	PROPN
cjrl-2282	438	8	first	first	ADV
cjrl-2282	438	9	faced	face	VERB
cjrl-2282	438	10	problems	problem	NOUN
cjrl-2282	438	11	of	of	ADP
cjrl-2282	438	12	viability	viability	NOUN
cjrl-2282	438	13	relating	relate	VERB
cjrl-2282	438	14	to	to	ADP
cjrl-2282	438	15	african	african	ADJ
cjrl-2282	438	16	americans	americans	PROPN
cjrl-2282	438	17	on	on	ADP
cjrl-2282	438	18	a	a	DET
cjrl-2282	438	19	grand	grand	ADJ
cjrl-2282	438	20	scale	scale	NOUN
cjrl-2282	438	21	.	.	PUNCT
cjrl-2282	439	1	see	see	VERB
cjrl-2282	439	2	,	,	PUNCT
cjrl-2282	439	3	e.g.	e.g.	ADV
cjrl-2282	439	4	,	,	PUNCT
cjrl-2282	439	5	the	the	DET
cjrl-2282	439	6	freedmen	freedman	NOUN
cjrl-2282	439	7	’s	’s	PART
cjrl-2282	439	8	bureau	bureau	PROPN
cjrl-2282	439	9	bill	bill	NOUN
cjrl-2282	439	10	,	,	PUNCT
cjrl-2282	439	11	act	act	NOUN
cjrl-2282	439	12	of	of	ADP
cjrl-2282	439	13	march	march	PROPN
cjrl-2282	439	14	3	3	NUM
cjrl-2282	439	15	,	,	PUNCT
cjrl-2282	439	16	1865	1865	NUM
cjrl-2282	439	17	,	,	PUNCT
cjrl-2282	439	18	ch	ch	NOUN
cjrl-2282	439	19	.	.	PROPN
cjrl-2282	439	20	90	90	NUM
cjrl-2282	439	21	,	,	PUNCT
cjrl-2282	439	22	13	13	NUM
cjrl-2282	439	23	stat	stat	NOUN
cjrl-2282	439	24	.	.	PUNCT
cjrl-2282	440	1	507	507	NUM
cjrl-2282	440	2	(	(	PUNCT
cjrl-2282	440	3	establishing	establish	VERB
cjrl-2282	440	4	freedmen	freedman	NOUN
cjrl-2282	440	5	’s	’s	PART
cjrl-2282	440	6	bureau	bureau	NOUN
cjrl-2282	440	7	during	during	ADP
cjrl-2282	440	8	reconstruction	reconstruction	NOUN
cjrl-2282	440	9	era	era	NOUN
cjrl-2282	440	10	)	)	PUNCT
cjrl-2282	440	11	.	.	PUNCT
cjrl-2282	441	1	as	as	SCONJ
cjrl-2282	441	2	anyone	anyone	PRON
cjrl-2282	441	3	who	who	PRON
cjrl-2282	441	4	has	have	AUX
cjrl-2282	441	5	driven	drive	VERB
cjrl-2282	441	6	through	through	ADP
cjrl-2282	441	7	the	the	DET
cjrl-2282	441	8	inner	inner	ADJ
cjrl-2282	441	9	city	city	NOUN
cjrl-2282	441	10	of	of	ADP
cjrl-2282	441	11	any	any	DET
cjrl-2282	441	12	major	major	ADJ
cjrl-2282	441	13	american	american	ADJ
cjrl-2282	441	14	metropolis	metropolis	PROPN
cjrl-2282	441	15	knows	know	VERB
cjrl-2282	441	16	,	,	PUNCT
cjrl-2282	441	17	it	it	PRON
cjrl-2282	441	18	is	be	AUX
cjrl-2282	441	19	a	a	DET
cjrl-2282	441	20	problem	problem	NOUN
cjrl-2282	441	21	which	which	PRON
cjrl-2282	441	22	has	have	AUX
cjrl-2282	441	23	not	not	PART
cjrl-2282	441	24	been	be	AUX
cjrl-2282	441	25	answered	answer	VERB
cjrl-2282	441	26	adequately	adequately	ADV
cjrl-2282	441	27	,	,	PUNCT
cjrl-2282	441	28	and	and	CCONJ
cjrl-2282	441	29	which	which	PRON
cjrl-2282	441	30	is	be	AUX
cjrl-2282	441	31	only	only	ADV
cjrl-2282	441	32	exacerbated	exacerbate	VERB
cjrl-2282	441	33	when	when	SCONJ
cjrl-2282	441	34	financial	financial	ADJ
cjrl-2282	441	35	institutions	institution	NOUN
cjrl-2282	441	36	deviously	deviously	ADV
cjrl-2282	441	37	swindle	swindle	VERB
cjrl-2282	441	38	millions	million	NOUN
cjrl-2282	441	39	of	of	ADP
cjrl-2282	441	40	dollars	dollar	NOUN
cjrl-2282	441	41	from	from	ADP
cjrl-2282	441	42	those	those	DET
cjrl-2282	441	43	communities	community	NOUN
cjrl-2282	441	44	.	.	PUNCT
cjrl-2282	442	1	89	89	NUM
cjrl-2282	442	2	wei	wei	PROPN
cjrl-2282	442	3	li	li	PROPN
cjrl-2282	442	4	et	et	PROPN
cjrl-2282	442	5	al	al	PROPN
cjrl-2282	442	6	.	.	PROPN
cjrl-2282	442	7	,	,	PUNCT
cjrl-2282	442	8	predatory	predatory	ADJ
cjrl-2282	442	9	profiling	profiling	NOUN
cjrl-2282	442	10	:	:	PUNCT
cjrl-2282	442	11	the	the	DET
cjrl-2282	442	12	role	role	NOUN
cjrl-2282	442	13	of	of	ADP
cjrl-2282	442	14	race	race	NOUN
cjrl-2282	442	15	and	and	CCONJ
cjrl-2282	442	16	ethnicity	ethnicity	NOUN
cjrl-2282	442	17	in	in	ADP
cjrl-2282	442	18	the	the	DET
cjrl-2282	442	19	location	location	NOUN
cjrl-2282	442	20	of	of	ADP
cjrl-2282	442	21	payday	payday	NOUN
cjrl-2282	442	22	lenders	lender	NOUN
cjrl-2282	442	23	in	in	ADP
cjrl-2282	442	24	california	california	PROPN
cjrl-2282	442	25	,	,	PUNCT
cjrl-2282	442	26	center	center	NOUN
cjrl-2282	442	27	for	for	ADP
cjrl-2282	442	28	responsible	responsible	ADJ
cjrl-2282	442	29	lending	lending	NOUN
cjrl-2282	442	30	(	(	PUNCT
cjrl-2282	442	31	mar	mar	PROPN
cjrl-2282	442	32	.	.	PROPN
cjrl-2282	442	33	26	26	NUM
cjrl-2282	442	34	,	,	PUNCT
cjrl-2282	442	35	2009	2009	NUM
cjrl-2282	442	36	)	)	PUNCT
cjrl-2282	442	37	,	,	PUNCT
cjrl-2282	442	38	http://www.responsiblelending.org/california/capayday/research-analysis/predatory-profiling.pdf	http://www.responsiblelending.org/california/capayday/research-analysis/predatory-profiling.pdf	NOUN
cjrl-2282	442	39	.	.	PUNCT
cjrl-2282	443	1	90	90	NUM
cjrl-2282	443	2	profiting	profit	VERB
cjrl-2282	443	3	from	from	ADP
cjrl-2282	443	4	poverty	poverty	NOUN
cjrl-2282	443	5	,	,	PUNCT
cjrl-2282	443	6	nat’l	nat’l	NUM
cjrl-2282	443	7	people	people	NOUN
cjrl-2282	443	8	’s	’s	PART
cjrl-2282	443	9	action	action	NOUN
cjrl-2282	443	10	(	(	PUNCT
cjrl-2282	443	11	jan	jan	PROPN
cjrl-2282	443	12	.	.	PROPN
cjrl-2282	443	13	2012	2012	NUM
cjrl-2282	443	14	)	)	PUNCT
cjrl-2282	443	15	,	,	PUNCT
cjrl-2282	443	16	http://www.npaus.org/files/profiting_from_poverty_npa_payday_loan_report_jan_2012_0.pdf	http://www.npaus.org/files/profiting_from_poverty_npa_payday_loan_report_jan_2012_0.pdf	PROPN
cjrl-2282	443	17	.	.	PROPN
cjrl-2282	443	18	2013	2013	NUM
cjrl-2282	443	19	columbia	columbia	PROPN
cjrl-2282	443	20	journal	journal	PROPN
cjrl-2282	443	21	of	of	ADP
cjrl-2282	443	22	race	race	NOUN
cjrl-2282	443	23	and	and	CCONJ
cjrl-2282	443	24	law	law	NOUN
cjrl-2282	443	25	91	91	NUM
cjrl-2282	443	26	another	another	DET
cjrl-2282	443	27	major	major	ADJ
cjrl-2282	443	28	problem	problem	NOUN
cjrl-2282	443	29	with	with	ADP
cjrl-2282	443	30	payday	payday	NOUN
cjrl-2282	443	31	loans	loan	NOUN
cjrl-2282	443	32	is	be	AUX
cjrl-2282	443	33	that	that	SCONJ
cjrl-2282	443	34	they	they	PRON
cjrl-2282	443	35	are	be	AUX
cjrl-2282	443	36	deceptive	deceptive	ADJ
cjrl-2282	443	37	.	.	PUNCT
cjrl-2282	444	1	payday	payday	NOUN
cjrl-2282	444	2	lenders	lender	NOUN
cjrl-2282	444	3	frequently	frequently	ADV
cjrl-2282	444	4	advertise	advertise	VERB
cjrl-2282	444	5	their	their	PRON
cjrl-2282	444	6	loan	loan	NOUN
cjrl-2282	444	7	products	product	NOUN
cjrl-2282	444	8	as	as	ADP
cjrl-2282	444	9	“	"	PUNCT
cjrl-2282	444	10	short	short	ADJ
cjrl-2282	444	11	-	-	PUNCT
cjrl-2282	444	12	term,”91	term,”91	NOUN
cjrl-2282	444	13	yet	yet	ADV
cjrl-2282	444	14	it	it	PRON
cjrl-2282	444	15	is	be	AUX
cjrl-2282	444	16	clear	clear	ADJ
cjrl-2282	444	17	that	that	SCONJ
cjrl-2282	444	18	this	this	PRON
cjrl-2282	444	19	can	can	AUX
cjrl-2282	444	20	not	not	PART
cjrl-2282	444	21	possibly	possibly	ADV
cjrl-2282	444	22	be	be	AUX
cjrl-2282	444	23	the	the	DET
cjrl-2282	444	24	case	case	NOUN
cjrl-2282	444	25	.	.	PUNCT
cjrl-2282	445	1	cameron	cameron	PROPN
cjrl-2282	445	2	blakely	blakely	PROPN
cjrl-2282	445	3	,	,	PUNCT
cjrl-2282	445	4	a	a	DET
cjrl-2282	445	5	former	former	ADJ
cjrl-2282	445	6	manager	manager	NOUN
cjrl-2282	445	7	of	of	ADP
cjrl-2282	445	8	a	a	DET
cjrl-2282	445	9	payday	payday	NOUN
cjrl-2282	445	10	lender	lender	NOUN
cjrl-2282	445	11	in	in	ADP
cjrl-2282	445	12	washington	washington	PROPN
cjrl-2282	445	13	,	,	PUNCT
cjrl-2282	445	14	d.c	d.c	PROPN
cjrl-2282	445	15	.	.	PROPN
cjrl-2282	445	16	,	,	PUNCT
cjrl-2282	445	17	explained	explain	VERB
cjrl-2282	445	18	how	how	SCONJ
cjrl-2282	445	19	his	his	PRON
cjrl-2282	445	20	employer	employer	NOUN
cjrl-2282	445	21	profited	profit	VERB
cjrl-2282	445	22	from	from	ADP
cjrl-2282	445	23	its	its	PRON
cjrl-2282	445	24	payday	payday	NOUN
cjrl-2282	445	25	loan	loan	NOUN
cjrl-2282	445	26	business	business	NOUN
cjrl-2282	445	27	:	:	PUNCT
cjrl-2282	445	28	the	the	DET
cjrl-2282	445	29	secret	secret	NOUN
cjrl-2282	445	30	to	to	ADP
cjrl-2282	445	31	the	the	DET
cjrl-2282	445	32	success	success	NOUN
cjrl-2282	445	33	of	of	ADP
cjrl-2282	445	34	the	the	DET
cjrl-2282	445	35	payday	payday	NOUN
cjrl-2282	445	36	loan	loan	NOUN
cjrl-2282	445	37	is	be	AUX
cjrl-2282	445	38	its	its	PRON
cjrl-2282	445	39	deceptive	deceptive	ADJ
cjrl-2282	445	40	design	design	NOUN
cjrl-2282	445	41	.	.	PUNCT
cjrl-2282	446	1	specifically	specifically	ADV
cjrl-2282	446	2	,	,	PUNCT
cjrl-2282	446	3	we	we	PRON
cjrl-2282	446	4	made	make	VERB
cjrl-2282	446	5	the	the	DET
cjrl-2282	446	6	process	process	NOUN
cjrl-2282	446	7	very	very	ADV
cjrl-2282	446	8	simple	simple	ADJ
cjrl-2282	446	9	and	and	CCONJ
cjrl-2282	446	10	easy	easy	ADJ
cjrl-2282	446	11	at	at	ADP
cjrl-2282	446	12	the	the	DET
cjrl-2282	446	13	front	front	ADJ
cjrl-2282	446	14	end	end	NOUN
cjrl-2282	446	15	to	to	PART
cjrl-2282	446	16	get	get	VERB
cjrl-2282	446	17	people	people	NOUN
cjrl-2282	446	18	into	into	ADP
cjrl-2282	446	19	the	the	DET
cjrl-2282	446	20	loan	loan	NOUN
cjrl-2282	446	21	.	.	PUNCT
cjrl-2282	447	1	but	but	CCONJ
cjrl-2282	447	2	at	at	ADP
cjrl-2282	447	3	the	the	DET
cjrl-2282	447	4	back	back	ADJ
cjrl-2282	447	5	end	end	NOUN
cjrl-2282	447	6	,	,	PUNCT
cjrl-2282	447	7	we	we	PRON
cjrl-2282	447	8	made	make	VERB
cjrl-2282	447	9	it	it	PRON
cjrl-2282	447	10	very	very	ADV
cjrl-2282	447	11	difficult	difficult	ADJ
cjrl-2282	447	12	for	for	SCONJ
cjrl-2282	447	13	customers	customer	NOUN
cjrl-2282	447	14	to	to	PART
cjrl-2282	447	15	get	get	VERB
cjrl-2282	447	16	out	out	ADP
cjrl-2282	447	17	of	of	ADP
cjrl-2282	447	18	the	the	DET
cjrl-2282	447	19	loan	loan	NOUN
cjrl-2282	447	20	.	.	PUNCT
cjrl-2282	448	1	it	it	PRON
cjrl-2282	448	2	became	become	VERB
cjrl-2282	448	3	a	a	DET
cjrl-2282	448	4	situation	situation	NOUN
cjrl-2282	448	5	where	where	SCONJ
cjrl-2282	448	6	our	our	PRON
cjrl-2282	448	7	borrowers	borrower	NOUN
cjrl-2282	448	8	were	be	AUX
cjrl-2282	448	9	like	like	ADP
cjrl-2282	448	10	indentured	indenture	VERB
cjrl-2282	448	11	servants	servant	NOUN
cjrl-2282	448	12	,	,	PUNCT
cjrl-2282	448	13	but	but	CCONJ
cjrl-2282	448	14	with	with	ADP
cjrl-2282	448	15	indefinite	indefinite	ADJ
cjrl-2282	448	16	terms	term	NOUN
cjrl-2282	448	17	of	of	ADP
cjrl-2282	448	18	servitude	servitude	NOUN
cjrl-2282	448	19	.	.	PUNCT
cjrl-2282	449	1	they	they	PRON
cjrl-2282	449	2	would	would	AUX
cjrl-2282	449	3	work	work	VERB
cjrl-2282	449	4	and	and	CCONJ
cjrl-2282	449	5	work	work	VERB
cjrl-2282	449	6	.	.	PUNCT
cjrl-2282	450	1	but	but	CCONJ
cjrl-2282	450	2	each	each	DET
cjrl-2282	450	3	payday	payday	NOUN
cjrl-2282	450	4	,	,	PUNCT
cjrl-2282	450	5	we	we	PRON
cjrl-2282	450	6	’d	’d	AUX
cjrl-2282	450	7	claim	claim	VERB
cjrl-2282	450	8	a	a	DET
cjrl-2282	450	9	piece	piece	NOUN
cjrl-2282	450	10	of	of	ADP
cjrl-2282	450	11	their	their	PRON
cjrl-2282	450	12	paycheck	paycheck	NOUN
cjrl-2282	450	13	.	.	PUNCT
cjrl-2282	451	1	every	every	DET
cjrl-2282	451	2	paycheck	paycheck	NOUN
cjrl-2282	451	3	.	.	PUNCT
cjrl-2282	452	1	not	not	PART
cjrl-2282	452	2	only	only	ADV
cjrl-2282	452	3	was	be	AUX
cjrl-2282	452	4	it	it	PRON
cjrl-2282	452	5	hard	hard	ADJ
cjrl-2282	452	6	to	to	PART
cjrl-2282	452	7	escape	escape	VERB
cjrl-2282	452	8	,	,	PUNCT
cjrl-2282	452	9	but	but	CCONJ
cjrl-2282	452	10	most	most	ADJ
cjrl-2282	452	11	of	of	ADP
cjrl-2282	452	12	our	our	PRON
cjrl-2282	452	13	customers	customer	NOUN
cjrl-2282	452	14	were	be	AUX
cjrl-2282	452	15	not	not	PART
cjrl-2282	452	16	fully	fully	ADV
cjrl-2282	452	17	aware	aware	ADJ
cjrl-2282	452	18	of	of	ADP
cjrl-2282	452	19	the	the	DET
cjrl-2282	452	20	desperate	desperate	ADJ
cjrl-2282	452	21	situations	situation	NOUN
cjrl-2282	452	22	they	they	PRON
cjrl-2282	452	23	were	be	AUX
cjrl-2282	452	24	in	in	ADP
cjrl-2282	452	25	.	.	PUNCT
cjrl-2282	453	1	they	they	PRON
cjrl-2282	453	2	were	be	AUX
cjrl-2282	453	3	so	so	ADV
cjrl-2282	453	4	confused	confused	ADJ
cjrl-2282	453	5	that	that	SCONJ
cjrl-2282	453	6	sometimes	sometimes	ADV
cjrl-2282	453	7	they	they	PRON
cjrl-2282	453	8	would	would	AUX
cjrl-2282	453	9	say	say	VERB
cjrl-2282	453	10	that	that	SCONJ
cjrl-2282	453	11	they	they	PRON
cjrl-2282	453	12	just	just	ADV
cjrl-2282	453	13	could	could	AUX
cjrl-2282	453	14	n’t	not	PART
cjrl-2282	453	15	live	live	VERB
cjrl-2282	453	16	without	without	ADP
cjrl-2282	453	17	that	that	DET
cjrl-2282	453	18	extra	extra	ADJ
cjrl-2282	453	19	payday	payday	NOUN
cjrl-2282	453	20	loan	loan	NOUN
cjrl-2282	453	21	cash	cash	NOUN
cjrl-2282	453	22	coming	come	VERB
cjrl-2282	453	23	in	in	ADP
cjrl-2282	453	24	—	—	PUNCT
cjrl-2282	453	25	when	when	SCONJ
cjrl-2282	453	26	,	,	PUNCT
cjrl-2282	453	27	in	in	ADP
cjrl-2282	453	28	reality	reality	NOUN
cjrl-2282	453	29	,	,	PUNCT
cjrl-2282	453	30	they	they	PRON
cjrl-2282	453	31	were	be	AUX
cjrl-2282	453	32	not	not	PART
cjrl-2282	453	33	getting	get	VERB
cjrl-2282	453	34	any	any	DET
cjrl-2282	453	35	more	more	ADJ
cjrl-2282	453	36	money	money	NOUN
cjrl-2282	453	37	out	out	ADP
cjrl-2282	453	38	of	of	ADP
cjrl-2282	453	39	the	the	DET
cjrl-2282	453	40	loan	loan	NOUN
cjrl-2282	453	41	.	.	PUNCT
cjrl-2282	454	1	instead	instead	ADV
cjrl-2282	454	2	,	,	PUNCT
cjrl-2282	454	3	they	they	PRON
cjrl-2282	454	4	were	be	AUX
cjrl-2282	454	5	paying	pay	VERB
cjrl-2282	454	6	money	money	NOUN
cjrl-2282	454	7	to	to	ADP
cjrl-2282	454	8	us	we	PRON
cjrl-2282	454	9	in	in	ADP
cjrl-2282	454	10	fees	fee	NOUN
cjrl-2282	454	11	over	over	ADV
cjrl-2282	454	12	and	and	CCONJ
cjrl-2282	454	13	over	over	ADV
cjrl-2282	454	14	again	again	ADV
cjrl-2282	454	15	.	.	PUNCT
cjrl-2282	455	1	and	and	CCONJ
cjrl-2282	455	2	that	that	PRON
cjrl-2282	455	3	is	be	AUX
cjrl-2282	455	4	what	what	PRON
cjrl-2282	455	5	was	be	AUX
cjrl-2282	455	6	making	make	VERB
cjrl-2282	455	7	their	their	PRON
cjrl-2282	455	8	paychecks	paycheck	NOUN
cjrl-2282	455	9	even	even	ADV
cjrl-2282	455	10	shorter	short	ADJ
cjrl-2282	455	11	than	than	SCONJ
cjrl-2282	455	12	usual.92	usual.92	NOUN
cjrl-2282	455	13	consumers	consumer	NOUN
cjrl-2282	455	14	get	get	AUX
cjrl-2282	455	15	trapped	trap	VERB
cjrl-2282	455	16	in	in	ADP
cjrl-2282	455	17	a	a	DET
cjrl-2282	455	18	debt	debt	NOUN
cjrl-2282	455	19	cycle	cycle	NOUN
cjrl-2282	455	20	using	use	VERB
cjrl-2282	455	21	payday	payday	NOUN
cjrl-2282	455	22	loans	loan	NOUN
cjrl-2282	455	23	in	in	ADP
cjrl-2282	455	24	many	many	ADJ
cjrl-2282	455	25	ways	way	NOUN
cjrl-2282	455	26	.	.	PUNCT
cjrl-2282	456	1	one	one	NUM
cjrl-2282	456	2	way	way	NOUN
cjrl-2282	456	3	,	,	PUNCT
cjrl-2282	456	4	of	of	ADP
cjrl-2282	456	5	course	course	NOUN
cjrl-2282	456	6	,	,	PUNCT
cjrl-2282	456	7	is	be	AUX
cjrl-2282	456	8	a	a	DET
cjrl-2282	456	9	simple	simple	ADJ
cjrl-2282	456	10	inability	inability	NOUN
cjrl-2282	456	11	to	to	PART
cjrl-2282	456	12	repay	repay	VERB
cjrl-2282	456	13	the	the	DET
cjrl-2282	456	14	loan	loan	NOUN
cjrl-2282	456	15	.	.	PUNCT
cjrl-2282	457	1	at	at	ADP
cjrl-2282	457	2	the	the	DET
cjrl-2282	457	3	other	other	ADJ
cjrl-2282	457	4	end	end	NOUN
cjrl-2282	457	5	of	of	ADP
cjrl-2282	457	6	the	the	DET
cjrl-2282	457	7	spectrum	spectrum	NOUN
cjrl-2282	457	8	is	be	AUX
cjrl-2282	457	9	the	the	DET
cjrl-2282	457	10	situation	situation	NOUN
cjrl-2282	457	11	caused	cause	VERB
cjrl-2282	457	12	by	by	ADP
cjrl-2282	457	13	payday	payday	NOUN
cjrl-2282	457	14	lenders	lender	NOUN
cjrl-2282	457	15	who	who	PRON
cjrl-2282	457	16	fail	fail	VERB
cjrl-2282	457	17	to	to	PART
cjrl-2282	457	18	explain	explain	VERB
cjrl-2282	457	19	to	to	ADP
cjrl-2282	457	20	borrowers	borrower	NOUN
cjrl-2282	457	21	the	the	DET
cjrl-2282	457	22	consequences	consequence	NOUN
cjrl-2282	457	23	of	of	ADP
cjrl-2282	457	24	making	make	VERB
cjrl-2282	457	25	only	only	ADJ
cjrl-2282	457	26	minimum	minimum	ADJ
cjrl-2282	457	27	payments	payment	NOUN
cjrl-2282	457	28	—	—	PUNCT
cjrl-2282	457	29	namely	namely	ADV
cjrl-2282	457	30	that	that	SCONJ
cjrl-2282	457	31	minimum	minimum	ADJ
cjrl-2282	457	32	required	require	VERB
cjrl-2282	457	33	interest	interest	NOUN
cjrl-2282	457	34	-	-	PUNCT
cjrl-2282	457	35	only	only	ADJ
cjrl-2282	457	36	payments	payment	NOUN
cjrl-2282	457	37	will	will	AUX
cjrl-2282	457	38	not	not	PART
cjrl-2282	457	39	ever	ever	ADV
cjrl-2282	457	40	pay	pay	VERB
cjrl-2282	457	41	down	down	ADP
cjrl-2282	457	42	the	the	DET
cjrl-2282	457	43	principal	principal	NOUN
cjrl-2282	457	44	outstanding	outstanding	ADJ
cjrl-2282	457	45	on	on	ADP
cjrl-2282	457	46	the	the	DET
cjrl-2282	457	47	loan.93	loan.93	NOUN
cjrl-2282	457	48	in	in	ADP
cjrl-2282	457	49	this	this	DET
cjrl-2282	457	50	manner	manner	NOUN
cjrl-2282	457	51	,	,	PUNCT
cjrl-2282	457	52	payday	payday	NOUN
cjrl-2282	457	53	lenders	lender	NOUN
cjrl-2282	457	54	deceive	deceive	VERB
cjrl-2282	457	55	consumers	consumer	NOUN
cjrl-2282	457	56	into	into	ADP
cjrl-2282	457	57	believing	believe	VERB
cjrl-2282	457	58	they	they	PRON
cjrl-2282	457	59	are	be	AUX
cjrl-2282	457	60	paying	pay	VERB
cjrl-2282	457	61	off	off	ADP
cjrl-2282	457	62	their	their	PRON
cjrl-2282	457	63	loans	loan	NOUN
cjrl-2282	457	64	when	when	SCONJ
cjrl-2282	457	65	in	in	ADP
cjrl-2282	457	66	reality	reality	NOUN
cjrl-2282	457	67	they	they	PRON
cjrl-2282	457	68	are	be	AUX
cjrl-2282	457	69	not	not	PART
cjrl-2282	457	70	.	.	PUNCT
cjrl-2282	458	1	there	there	PRON
cjrl-2282	458	2	is	be	VERB
cjrl-2282	458	3	also	also	ADV
cjrl-2282	458	4	a	a	DET
cjrl-2282	458	5	body	body	NOUN
cjrl-2282	458	6	of	of	ADP
cjrl-2282	458	7	scholarship	scholarship	NOUN
cjrl-2282	458	8	that	that	PRON
cjrl-2282	458	9	suggests	suggest	VERB
cjrl-2282	458	10	that	that	SCONJ
cjrl-2282	458	11	payday	payday	NOUN
cjrl-2282	458	12	loan	loan	NOUN
cjrl-2282	458	13	borrowers	borrower	NOUN
cjrl-2282	458	14	have	have	VERB
cjrl-2282	458	15	a	a	DET
cjrl-2282	458	16	higher	high	ADJ
cjrl-2282	458	17	than	than	ADP
cjrl-2282	458	18	average	average	ADJ
cjrl-2282	458	19	likelihood	likelihood	NOUN
cjrl-2282	458	20	of	of	ADP
cjrl-2282	458	21	filing	file	VERB
cjrl-2282	458	22	a	a	DET
cjrl-2282	458	23	personal	personal	ADJ
cjrl-2282	458	24	bankruptcy	bankruptcy	NOUN
cjrl-2282	458	25	.	.	PUNCT
cjrl-2282	459	1	a	a	DET
cjrl-2282	459	2	2001	2001	NUM
cjrl-2282	459	3	study	study	NOUN
cjrl-2282	459	4	found	find	VERB
cjrl-2282	459	5	that	that	SCONJ
cjrl-2282	459	6	that	that	SCONJ
cjrl-2282	459	7	15.4	15.4	NUM
cjrl-2282	459	8	%	%	NOUN
cjrl-2282	459	9	of	of	ADP
cjrl-2282	459	10	payday	payday	NOUN
cjrl-2282	459	11	loan	loan	NOUN
cjrl-2282	459	12	users	user	NOUN
cjrl-2282	459	13	had	have	AUX
cjrl-2282	459	14	filed	file	VERB
cjrl-2282	459	15	a	a	DET
cjrl-2282	459	16	bankruptcy	bankruptcy	NOUN
cjrl-2282	459	17	petition.94	petition.94	NOUN
cjrl-2282	459	18	during	during	ADP
cjrl-2282	459	19	the	the	DET
cjrl-2282	459	20	same	same	ADJ
cjrl-2282	459	21	survey	survey	NOUN
cjrl-2282	459	22	period	period	NOUN
cjrl-2282	459	23	,	,	PUNCT
cjrl-2282	459	24	only	only	ADV
cjrl-2282	459	25	3.7	3.7	NUM
cjrl-2282	459	26	%	%	NOUN
cjrl-2282	459	27	of	of	ADP
cjrl-2282	459	28	the	the	DET
cjrl-2282	459	29	total	total	ADJ
cjrl-2282	459	30	adult	adult	NOUN
cjrl-2282	459	31	population	population	NOUN
cjrl-2282	459	32	had	have	AUX
cjrl-2282	459	33	filed	file	VERB
cjrl-2282	459	34	bankruptcy	bankruptcy	NOUN
cjrl-2282	459	35	petitions.95	petitions.95	PROPN
cjrl-2282	459	36	moreover	moreover	ADV
cjrl-2282	459	37	,	,	PUNCT
cjrl-2282	459	38	sixty	sixty	NUM
cjrl-2282	459	39	percent	percent	NOUN
cjrl-2282	459	40	of	of	ADP
cjrl-2282	459	41	payday	payday	NOUN
cjrl-2282	459	42	loan	loan	NOUN
cjrl-2282	459	43	customers	customer	NOUN
cjrl-2282	459	44	had	have	AUX
cjrl-2282	459	45	also	also	ADV
cjrl-2282	459	46	maxed	maxe	VERB
cjrl-2282	459	47	out	out	ADP
cjrl-2282	459	48	their	their	PRON
cjrl-2282	459	49	credit	credit	NOUN
cjrl-2282	459	50	cards.96	cards.96	NOUN
cjrl-2282	459	51	another	another	DET
cjrl-2282	459	52	study	study	NOUN
cjrl-2282	459	53	of	of	ADP
cjrl-2282	459	54	bankruptcy	bankruptcy	NOUN
cjrl-2282	459	55	petitions	petition	NOUN
cjrl-2282	459	56	in	in	ADP
cjrl-2282	459	57	new	new	PROPN
cjrl-2282	459	58	mexico	mexico	PROPN
cjrl-2282	459	59	found	find	VERB
cjrl-2282	459	60	that	that	SCONJ
cjrl-2282	459	61	eighteen	eighteen	NUM
cjrl-2282	459	62	percent	percent	NOUN
cjrl-2282	459	63	of	of	ADP
cjrl-2282	459	64	individuals	individual	NOUN
cjrl-2282	459	65	filing	file	VERB
cjrl-2282	459	66	bankruptcy	bankruptcy	NOUN
cjrl-2282	459	67	petitions	petition	NOUN
cjrl-2282	459	68	had	have	AUX
cjrl-2282	459	69	used	use	VERB
cjrl-2282	459	70	payday	payday	NOUN
cjrl-2282	459	71	loans.97	loans.97	NOUN
cjrl-2282	459	72	these	these	DET
cjrl-2282	459	73	studies	study	NOUN
cjrl-2282	459	74	only	only	ADV
cjrl-2282	459	75	establish	establish	VERB
cjrl-2282	459	76	correlation	correlation	NOUN
cjrl-2282	459	77	,	,	PUNCT
cjrl-2282	459	78	and	and	CCONJ
cjrl-2282	459	79	therefore	therefore	ADV
cjrl-2282	459	80	standing	stand	VERB
cjrl-2282	459	81	alone	alone	ADV
cjrl-2282	459	82	do	do	AUX
cjrl-2282	459	83	not	not	PART
cjrl-2282	459	84	support	support	VERB
cjrl-2282	459	85	the	the	DET
cjrl-2282	459	86	proposition	proposition	NOUN
cjrl-2282	459	87	that	that	SCONJ
cjrl-2282	459	88	payday	payday	NOUN
cjrl-2282	459	89	loans	loan	NOUN
cjrl-2282	459	90	cause	cause	VERB
cjrl-2282	459	91	bankruptcy	bankruptcy	NOUN
cjrl-2282	459	92	.	.	PUNCT
cjrl-2282	460	1	it	it	PRON
cjrl-2282	460	2	is	be	AUX
cjrl-2282	460	3	possible	possible	ADJ
cjrl-2282	460	4	that	that	SCONJ
cjrl-2282	460	5	some	some	PRON
cjrl-2282	460	6	of	of	ADP
cjrl-2282	460	7	these	these	DET
cjrl-2282	460	8	data	datum	NOUN
cjrl-2282	460	9	capture	capture	VERB
cjrl-2282	460	10	consumers	consumer	NOUN
cjrl-2282	460	11	who	who	PRON
cjrl-2282	460	12	were	be	AUX
cjrl-2282	460	13	well	well	ADV
cjrl-2282	460	14	on	on	ADP
cjrl-2282	460	15	the	the	DET
cjrl-2282	460	16	way	way	NOUN
cjrl-2282	460	17	towards	towards	ADP
cjrl-2282	460	18	bankruptcy	bankruptcy	NOUN
cjrl-2282	460	19	petition	petition	NOUN
cjrl-2282	460	20	before	before	ADP
cjrl-2282	460	21	ever	ever	ADV
cjrl-2282	460	22	taking	take	VERB
cjrl-2282	460	23	out	out	ADP
cjrl-2282	460	24	a	a	DET
cjrl-2282	460	25	payday	payday	NOUN
cjrl-2282	460	26	loan	loan	NOUN
cjrl-2282	460	27	and	and	CCONJ
cjrl-2282	460	28	may	may	AUX
cjrl-2282	460	29	have	have	AUX
cjrl-2282	460	30	even	even	ADV
cjrl-2282	460	31	postponed	postpone	VERB
cjrl-2282	460	32	the	the	DET
cjrl-2282	460	33	91	91	NUM
cjrl-2282	460	34	see	see	VERB
cjrl-2282	460	35	how	how	SCONJ
cjrl-2282	460	36	it	it	PRON
cjrl-2282	460	37	works	work	VERB
cjrl-2282	460	38	,	,	PUNCT
cjrl-2282	460	39	cashnetusa	cashnetusa	NOUN
cjrl-2282	460	40	,	,	PUNCT
cjrl-2282	460	41	http://www.cashnetusa.com/how-it-works.html	http://www.cashnetusa.com/how-it-works.html	X
cjrl-2282	460	42	(	(	PUNCT
cjrl-2282	460	43	last	last	ADV
cjrl-2282	460	44	visited	visit	VERB
cjrl-2282	460	45	nov	nov	PROPN
cjrl-2282	460	46	.	.	PROPN
cjrl-2282	460	47	2012	2012	NUM
cjrl-2282	460	48	)	)	PUNCT
cjrl-2282	460	49	(	(	PUNCT
cjrl-2282	460	50	describing	describe	VERB
cjrl-2282	460	51	payday	payday	NOUN
cjrl-2282	460	52	loan	loan	NOUN
cjrl-2282	460	53	as	as	ADP
cjrl-2282	460	54	“	"	PUNCT
cjrl-2282	460	55	short	short	ADJ
cjrl-2282	460	56	-	-	PUNCT
cjrl-2282	460	57	term	term	NOUN
cjrl-2282	460	58	loans	loan	NOUN
cjrl-2282	460	59	with	with	ADP
cjrl-2282	460	60	a	a	DET
cjrl-2282	460	61	small	small	ADJ
cjrl-2282	460	62	dollar	dollar	NOUN
cjrl-2282	460	63	amount	amount	NOUN
cjrl-2282	460	64	that	that	PRON
cjrl-2282	460	65	are	be	AUX
cjrl-2282	460	66	usually	usually	ADV
cjrl-2282	460	67	repaid	repay	VERB
cjrl-2282	460	68	upon	upon	SCONJ
cjrl-2282	460	69	your	your	PRON
cjrl-2282	460	70	next	next	ADJ
cjrl-2282	460	71	payday	payday	NOUN
cjrl-2282	460	72	.	.	PUNCT
cjrl-2282	460	73	”	"	PUNCT
cjrl-2282	460	74	)	)	PUNCT
cjrl-2282	460	75	.	.	PUNCT
cjrl-2282	461	1	92	92	NUM
cjrl-2282	461	2	press	press	NOUN
cjrl-2282	461	3	release	release	NOUN
cjrl-2282	461	4	,	,	PUNCT
cjrl-2282	461	5	ohio	ohio	PROPN
cjrl-2282	461	6	coalition	coalition	NOUN
cjrl-2282	461	7	,	,	PUNCT
cjrl-2282	461	8	supra	supra	PROPN
cjrl-2282	461	9	note	note	PROPN
cjrl-2282	461	10	77	77	NUM
cjrl-2282	461	11	,	,	PUNCT
cjrl-2282	461	12	at	at	ADP
cjrl-2282	461	13	3	3	NUM
cjrl-2282	461	14	.	.	PUNCT
cjrl-2282	461	15	using	use	VERB
cjrl-2282	461	16	tactics	tactic	NOUN
cjrl-2282	461	17	like	like	ADP
cjrl-2282	461	18	this	this	PRON
cjrl-2282	461	19	,	,	PUNCT
cjrl-2282	461	20	mr	mr	PROPN
cjrl-2282	461	21	.	.	PROPN
cjrl-2282	461	22	blakely	blakely	PROPN
cjrl-2282	461	23	’s	’s	PART
cjrl-2282	461	24	employer	employer	NOUN
cjrl-2282	461	25	managed	manage	VERB
cjrl-2282	461	26	to	to	PART
cjrl-2282	461	27	extract	extract	VERB
cjrl-2282	461	28	nearly	nearly	ADV
cjrl-2282	461	29	$	$	SYM
cjrl-2282	461	30	15,000	15,000	NUM
cjrl-2282	461	31	in	in	ADP
cjrl-2282	461	32	fees	fee	NOUN
cjrl-2282	461	33	to	to	PART
cjrl-2282	461	34	service	service	VERB
cjrl-2282	461	35	a	a	DET
cjrl-2282	461	36	loan	loan	NOUN
cjrl-2282	461	37	for	for	ADP
cjrl-2282	461	38	$	$	SYM
cjrl-2282	461	39	900	900	NUM
cjrl-2282	461	40	.	.	PUNCT
cjrl-2282	462	1	that	that	SCONJ
cjrl-2282	462	2	$	$	SYM
cjrl-2282	462	3	15,000	15,000	NUM
cjrl-2282	462	4	represents	represent	VERB
cjrl-2282	462	5	an	an	DET
cjrl-2282	462	6	opportunity	opportunity	NOUN
cjrl-2282	462	7	cost	cost	NOUN
cjrl-2282	462	8	between	between	ADP
cjrl-2282	462	9	servicing	servicing	NOUN
cjrl-2282	462	10	fees	fee	NOUN
cjrl-2282	462	11	and	and	CCONJ
cjrl-2282	462	12	everything	everything	PRON
cjrl-2282	462	13	else	else	ADV
cjrl-2282	462	14	a	a	DET
cjrl-2282	462	15	consumer	consumer	NOUN
cjrl-2282	462	16	may	may	AUX
cjrl-2282	462	17	spend	spend	VERB
cjrl-2282	462	18	money	money	NOUN
cjrl-2282	462	19	on	on	ADP
cjrl-2282	462	20	.	.	PUNCT
cjrl-2282	463	1	in	in	ADP
cjrl-2282	463	2	other	other	ADJ
cjrl-2282	463	3	words	word	NOUN
cjrl-2282	463	4	,	,	PUNCT
cjrl-2282	463	5	the	the	DET
cjrl-2282	463	6	servicing	servicing	NOUN
cjrl-2282	463	7	fees	fee	NOUN
cjrl-2282	463	8	which	which	PRON
cjrl-2282	463	9	payday	payday	NOUN
cjrl-2282	463	10	lenders	lender	NOUN
cjrl-2282	463	11	extract	extract	VERB
cjrl-2282	463	12	from	from	ADP
cjrl-2282	463	13	consumers	consumer	NOUN
cjrl-2282	463	14	is	be	AUX
cjrl-2282	463	15	money	money	NOUN
cjrl-2282	463	16	which	which	PRON
cjrl-2282	463	17	otherwise	otherwise	ADV
cjrl-2282	463	18	could	could	AUX
cjrl-2282	463	19	have	have	AUX
cjrl-2282	463	20	been	be	AUX
cjrl-2282	463	21	spent	spend	VERB
cjrl-2282	463	22	on	on	ADP
cjrl-2282	463	23	goods	good	NOUN
cjrl-2282	463	24	and	and	CCONJ
cjrl-2282	463	25	services	service	NOUN
cjrl-2282	463	26	which	which	PRON
cjrl-2282	463	27	the	the	DET
cjrl-2282	463	28	consumer	consumer	NOUN
cjrl-2282	463	29	actually	actually	ADV
cjrl-2282	463	30	wants	want	VERB
cjrl-2282	463	31	.	.	PUNCT
cjrl-2282	464	1	this	this	PRON
cjrl-2282	464	2	may	may	AUX
cjrl-2282	464	3	seem	seem	VERB
cjrl-2282	464	4	trivial	trivial	ADJ
cjrl-2282	464	5	when	when	SCONJ
cjrl-2282	464	6	only	only	ADV
cjrl-2282	464	7	discussing	discuss	VERB
cjrl-2282	464	8	a	a	DET
cjrl-2282	464	9	single	single	ADJ
cjrl-2282	464	10	consumer	consumer	NOUN
cjrl-2282	464	11	,	,	PUNCT
cjrl-2282	464	12	but	but	CCONJ
cjrl-2282	464	13	payday	payday	NOUN
cjrl-2282	464	14	lending	lending	NOUN
cjrl-2282	464	15	is	be	AUX
cjrl-2282	464	16	a	a	DET
cjrl-2282	464	17	multi	multi	ADJ
cjrl-2282	464	18	-	-	ADJ
cjrl-2282	464	19	billion	billion	NUM
cjrl-2282	464	20	dollar	dollar	NOUN
cjrl-2282	464	21	industry	industry	NOUN
cjrl-2282	464	22	,	,	PUNCT
cjrl-2282	464	23	and	and	CCONJ
cjrl-2282	464	24	these	these	DET
cjrl-2282	464	25	fees	fee	NOUN
cjrl-2282	464	26	are	be	AUX
cjrl-2282	464	27	the	the	DET
cjrl-2282	464	28	only	only	ADJ
cjrl-2282	464	29	profit	profit	NOUN
cjrl-2282	464	30	center	center	NOUN
cjrl-2282	464	31	for	for	ADP
cjrl-2282	464	32	the	the	DET
cjrl-2282	464	33	industry	industry	NOUN
cjrl-2282	464	34	.	.	PUNCT
cjrl-2282	465	1	in	in	ADP
cjrl-2282	465	2	this	this	DET
cjrl-2282	465	3	regard	regard	NOUN
cjrl-2282	465	4	,	,	PUNCT
cjrl-2282	465	5	the	the	DET
cjrl-2282	465	6	consumer	consumer	NOUN
cjrl-2282	465	7	protection	protection	NOUN
cjrl-2282	465	8	issues	issue	NOUN
cjrl-2282	465	9	i	i	PRON
cjrl-2282	465	10	have	have	AUX
cjrl-2282	465	11	been	be	AUX
cjrl-2282	465	12	discussing	discuss	VERB
cjrl-2282	465	13	tie	tie	VERB
cjrl-2282	465	14	directly	directly	ADV
cjrl-2282	465	15	into	into	ADP
cjrl-2282	465	16	concerns	concern	NOUN
cjrl-2282	465	17	over	over	ADP
cjrl-2282	465	18	the	the	DET
cjrl-2282	465	19	national	national	ADJ
cjrl-2282	465	20	economy	economy	NOUN
cjrl-2282	465	21	.	.	PUNCT
cjrl-2282	466	1	it	it	PRON
cjrl-2282	466	2	is	be	AUX
cjrl-2282	466	3	difficult	difficult	ADJ
cjrl-2282	466	4	to	to	PART
cjrl-2282	466	5	imagine	imagine	VERB
cjrl-2282	466	6	a	a	DET
cjrl-2282	466	7	productive	productive	ADJ
cjrl-2282	466	8	economy	economy	NOUN
cjrl-2282	466	9	in	in	ADP
cjrl-2282	466	10	which	which	PRON
cjrl-2282	466	11	consumers	consumer	NOUN
cjrl-2282	466	12	spend	spend	VERB
cjrl-2282	466	13	all	all	DET
cjrl-2282	466	14	their	their	PRON
cjrl-2282	466	15	money	money	NOUN
cjrl-2282	466	16	servicing	servicing	NOUN
cjrl-2282	466	17	loans	loan	NOUN
cjrl-2282	466	18	.	.	PUNCT
cjrl-2282	467	1	93	93	NUM
cjrl-2282	467	2	nathalie	nathalie	PROPN
cjrl-2282	467	3	martin	martin	PROPN
cjrl-2282	467	4	,	,	PUNCT
cjrl-2282	467	5	supra	supra	PROPN
cjrl-2282	467	6	note	note	PROPN
cjrl-2282	467	7	49	49	NUM
cjrl-2282	467	8	,	,	PUNCT
cjrl-2282	467	9	at	at	ADP
cjrl-2282	467	10	599	599	NUM
cjrl-2282	467	11	.	.	PUNCT
cjrl-2282	467	12	94	94	NUM
cjrl-2282	467	13	elliehausen	elliehausen	PROPN
cjrl-2282	467	14	&	&	CCONJ
cjrl-2282	467	15	lawrence	lawrence	PROPN
cjrl-2282	467	16	,	,	PUNCT
cjrl-2282	467	17	supra	supra	PROPN
cjrl-2282	467	18	note	note	PROPN
cjrl-2282	467	19	68	68	NUM
cjrl-2282	467	20	.	.	PUNCT
cjrl-2282	467	21	95	95	NUM
cjrl-2282	468	1	i	i	PRON
cjrl-2282	468	2	d.	d.	PROPN
cjrl-2282	468	3	96	96	NUM
cjrl-2282	469	1	i	i	PRON
cjrl-2282	469	2	d.	d.	PROPN
cjrl-2282	469	3	97	97	NUM
cjrl-2282	469	4	nathalie	nathalie	PROPN
cjrl-2282	469	5	martin	martin	PROPN
cjrl-2282	469	6	&	&	CCONJ
cjrl-2282	469	7	koo	koo	PROPN
cjrl-2282	469	8	i	i	PROPN
cjrl-2282	469	9	m	m	VERB
cjrl-2282	469	10	tong	tong	ADJ
cjrl-2282	469	11	,	,	PUNCT
cjrl-2282	469	12	double	double	VERB
cjrl-2282	469	13	down	down	ADP
cjrl-2282	469	14	and	and	CCONJ
cjrl-2282	469	15	out	out	ADV
cjrl-2282	469	16	:	:	PUNCT
cjrl-2282	469	17	the	the	DET
cjrl-2282	469	18	connection	connection	NOUN
cjrl-2282	469	19	between	between	ADP
cjrl-2282	469	20	payday	payday	NOUN
cjrl-2282	469	21	loans	loan	NOUN
cjrl-2282	469	22	and	and	CCONJ
cjrl-2282	469	23	bankruptcy	bankruptcy	NOUN
cjrl-2282	469	24	,	,	PUNCT
cjrl-2282	469	25	39	39	NUM
cjrl-2282	469	26	sw	sw	PROPN
cjrl-2282	469	27	.	.	PUNCT
cjrl-2282	470	1	l.	l.	PROPN
cjrl-2282	470	2	rev	rev	PROPN
cjrl-2282	470	3	.	.	PROPN
cjrl-2282	470	4	785	785	NUM
cjrl-2282	470	5	,	,	PUNCT
cjrl-2282	470	6	803	803	NUM
cjrl-2282	470	7	(	(	PUNCT
cjrl-2282	470	8	2010	2010	NUM
cjrl-2282	470	9	)	)	PUNCT
cjrl-2282	470	10	.	.	PUNCT
cjrl-2282	471	1	92	92	NUM
cjrl-2282	471	2	checking	check	VERB
cjrl-2282	471	3	out	out	ADP
cjrl-2282	471	4	the	the	DET
cjrl-2282	471	5	exception	exception	NOUN
cjrl-2282	471	6	to	to	ADP
cjrl-2282	471	7	3	3	NUM
cjrl-2282	471	8	-	-	SYM
cjrl-2282	471	9	104	104	NUM
cjrl-2282	471	10	vol	vol	NOUN
cjrl-2282	471	11	.	.	PUNCT
cjrl-2282	472	1	3:1	3:1	NUM
cjrl-2282	472	2	bankruptcy	bankruptcy	NOUN
cjrl-2282	472	3	because	because	SCONJ
cjrl-2282	472	4	of	of	ADP
cjrl-2282	472	5	the	the	DET
cjrl-2282	472	6	payday	payday	PROPN
cjrl-2282	472	7	loan	loan	NOUN
cjrl-2282	472	8	’s	’s	PART
cjrl-2282	472	9	usefulness	usefulness	NOUN
cjrl-2282	472	10	as	as	ADP
cjrl-2282	472	11	a	a	DET
cjrl-2282	472	12	last	last	ADJ
cjrl-2282	472	13	resort	resort	NOUN
cjrl-2282	472	14	.	.	PUNCT
cjrl-2282	473	1	still	still	ADV
cjrl-2282	473	2	,	,	PUNCT
cjrl-2282	473	3	there	there	PRON
cjrl-2282	473	4	appears	appear	VERB
cjrl-2282	473	5	to	to	PART
cjrl-2282	473	6	be	be	AUX
cjrl-2282	473	7	a	a	DET
cjrl-2282	473	8	strong	strong	ADJ
cjrl-2282	473	9	inference	inference	NOUN
cjrl-2282	473	10	that	that	PRON
cjrl-2282	473	11	payday	payday	NOUN
cjrl-2282	473	12	loans	loan	NOUN
cjrl-2282	473	13	increase	increase	VERB
cjrl-2282	473	14	the	the	DET
cjrl-2282	473	15	likelihood	likelihood	NOUN
cjrl-2282	473	16	of	of	ADP
cjrl-2282	473	17	future	future	ADJ
cjrl-2282	473	18	bankruptcies	bankruptcy	NOUN
cjrl-2282	473	19	.	.	PUNCT
cjrl-2282	474	1	this	this	PRON
cjrl-2282	474	2	is	be	AUX
cjrl-2282	474	3	especially	especially	ADV
cjrl-2282	474	4	true	true	ADJ
cjrl-2282	474	5	given	give	VERB
cjrl-2282	474	6	the	the	DET
cjrl-2282	474	7	evidence	evidence	NOUN
cjrl-2282	474	8	that	that	PRON
cjrl-2282	474	9	suggests	suggest	VERB
cjrl-2282	474	10	that	that	SCONJ
cjrl-2282	474	11	the	the	DET
cjrl-2282	474	12	payday	payday	PROPN
cjrl-2282	474	13	loan	loan	NOUN
cjrl-2282	474	14	industry	industry	NOUN
cjrl-2282	474	15	preys	prey	VERB
cjrl-2282	474	16	on	on	ADP
cjrl-2282	474	17	financially	financially	ADV
cjrl-2282	474	18	distressed	distressed	ADJ
cjrl-2282	474	19	individuals	individual	NOUN
cjrl-2282	474	20	.	.	PUNCT
cjrl-2282	475	1	b.	b.	PROPN
cjrl-2282	475	2	credit	credit	NOUN
cjrl-2282	475	3	cards	card	NOUN
cjrl-2282	475	4	credit	credit	NOUN
cjrl-2282	475	5	card	card	NOUN
cjrl-2282	475	6	usage	usage	NOUN
cjrl-2282	475	7	has	have	AUX
cjrl-2282	475	8	increased	increase	VERB
cjrl-2282	475	9	substantially	substantially	ADV
cjrl-2282	475	10	since	since	SCONJ
cjrl-2282	475	11	the	the	DET
cjrl-2282	475	12	1990	1990	NUM
cjrl-2282	475	13	reforms	reform	NOUN
cjrl-2282	475	14	,	,	PUNCT
cjrl-2282	475	15	despite	despite	SCONJ
cjrl-2282	475	16	only	only	ADJ
cjrl-2282	475	17	moderate	moderate	ADJ
cjrl-2282	475	18	increases	increase	NOUN
cjrl-2282	475	19	in	in	ADP
cjrl-2282	475	20	the	the	DET
cjrl-2282	475	21	number	number	NOUN
cjrl-2282	475	22	of	of	ADP
cjrl-2282	475	23	credit	credit	NOUN
cjrl-2282	475	24	card	card	NOUN
cjrl-2282	475	25	users	user	NOUN
cjrl-2282	475	26	.	.	PUNCT
cjrl-2282	476	1	there	there	PRON
cjrl-2282	476	2	are	be	VERB
cjrl-2282	476	3	data	datum	NOUN
cjrl-2282	476	4	,	,	PUNCT
cjrl-2282	476	5	along	along	ADP
cjrl-2282	476	6	with	with	ADP
cjrl-2282	476	7	anecdotal	anecdotal	ADJ
cjrl-2282	476	8	evidence	evidence	NOUN
cjrl-2282	476	9	compiled	compile	VERB
cjrl-2282	476	10	in	in	ADP
cjrl-2282	476	11	other	other	ADJ
cjrl-2282	476	12	studies	study	NOUN
cjrl-2282	476	13	that	that	PRON
cjrl-2282	476	14	suggest	suggest	VERB
cjrl-2282	476	15	that	that	SCONJ
cjrl-2282	476	16	credit	credit	NOUN
cjrl-2282	476	17	cards	card	NOUN
cjrl-2282	476	18	have	have	AUX
cjrl-2282	476	19	become	become	VERB
cjrl-2282	476	20	an	an	DET
cjrl-2282	476	21	increasingly	increasingly	ADV
cjrl-2282	476	22	important	important	ADJ
cjrl-2282	476	23	cash	cash	NOUN
cjrl-2282	476	24	management	management	NOUN
cjrl-2282	476	25	tool	tool	NOUN
cjrl-2282	476	26	following	follow	VERB
cjrl-2282	476	27	the	the	DET
cjrl-2282	476	28	1990	1990	NUM
cjrl-2282	476	29	check	check	NOUN
cjrl-2282	476	30	collection	collection	NOUN
cjrl-2282	476	31	reforms	reform	NOUN
cjrl-2282	476	32	.	.	PUNCT
cjrl-2282	477	1	in	in	ADP
cjrl-2282	477	2	1990	1990	NUM
cjrl-2282	477	3	,	,	PUNCT
cjrl-2282	477	4	there	there	PRON
cjrl-2282	477	5	were	be	VERB
cjrl-2282	477	6	122	122	NUM
cjrl-2282	477	7	million	million	NUM
cjrl-2282	477	8	cardholders	cardholder	NOUN
cjrl-2282	477	9	in	in	ADP
cjrl-2282	477	10	the	the	DET
cjrl-2282	477	11	united	united	PROPN
cjrl-2282	477	12	states	states	PROPN
cjrl-2282	477	13	and	and	CCONJ
cjrl-2282	477	14	1.012	1.012	NUM
cjrl-2282	477	15	billion	billion	NUM
cjrl-2282	477	16	cards	card	NOUN
cjrl-2282	477	17	in	in	ADP
cjrl-2282	477	18	circulation.98	circulation.98	ADJ
cjrl-2282	477	19	credit	credit	NOUN
cjrl-2282	477	20	transactions	transaction	NOUN
cjrl-2282	477	21	were	be	AUX
cjrl-2282	477	22	valued	value	VERB
cjrl-2282	477	23	at	at	ADP
cjrl-2282	477	24	$	$	SYM
cjrl-2282	477	25	466	466	NUM
cjrl-2282	477	26	billion	billion	NUM
cjrl-2282	477	27	,	,	PUNCT
cjrl-2282	477	28	and	and	CCONJ
cjrl-2282	477	29	outstanding	outstanding	ADJ
cjrl-2282	477	30	consumer	consumer	NOUN
cjrl-2282	477	31	credit	credit	NOUN
cjrl-2282	477	32	card	card	NOUN
cjrl-2282	477	33	debt	debt	NOUN
cjrl-2282	477	34	was	be	AUX
cjrl-2282	477	35	$	$	SYM
cjrl-2282	477	36	243	243	NUM
cjrl-2282	477	37	billion.99	billion.99	NOUN
cjrl-2282	477	38	in	in	ADP
cjrl-2282	477	39	1997	1997	NUM
cjrl-2282	477	40	,	,	PUNCT
cjrl-2282	477	41	outstanding	outstanding	ADJ
cjrl-2282	477	42	credit	credit	NOUN
cjrl-2282	477	43	card	card	NOUN
cjrl-2282	477	44	debt	debt	NOUN
cjrl-2282	477	45	was	be	AUX
cjrl-2282	477	46	approximately	approximately	ADV
cjrl-2282	477	47	$	$	SYM
cjrl-2282	477	48	526	526	NUM
cjrl-2282	477	49	billion.100	billion.100	NUM
cjrl-2282	477	50	three	three	NUM
cjrl-2282	477	51	years	year	NOUN
cjrl-2282	477	52	later	later	ADV
cjrl-2282	477	53	,	,	PUNCT
cjrl-2282	477	54	in	in	ADP
cjrl-2282	477	55	2000	2000	NUM
cjrl-2282	477	56	,	,	PUNCT
cjrl-2282	477	57	there	there	PRON
cjrl-2282	477	58	were	be	VERB
cjrl-2282	477	59	159	159	NUM
cjrl-2282	477	60	million	million	NUM
cjrl-2282	477	61	credit	credit	NOUN
cjrl-2282	477	62	card	card	NOUN
cjrl-2282	477	63	holders	holder	NOUN
cjrl-2282	477	64	and	and	CCONJ
cjrl-2282	477	65	1.425	1.425	NUM
cjrl-2282	477	66	billion	billion	NUM
cjrl-2282	477	67	credit	credit	NOUN
cjrl-2282	477	68	cards	card	NOUN
cjrl-2282	477	69	in	in	ADP
cjrl-2282	477	70	circulation;101	circulation;101	PROPN
cjrl-2282	477	71	credit	credit	NOUN
cjrl-2282	477	72	card	card	NOUN
cjrl-2282	477	73	purchases	purchase	NOUN
cjrl-2282	477	74	totaled	total	VERB
cjrl-2282	477	75	$	$	SYM
cjrl-2282	477	76	1.242	1.242	NUM
cjrl-2282	477	77	trillion	trillion	NUM
cjrl-2282	477	78	,	,	PUNCT
cjrl-2282	477	79	and	and	CCONJ
cjrl-2282	477	80	the	the	DET
cjrl-2282	477	81	total	total	ADJ
cjrl-2282	477	82	outstanding	outstanding	ADJ
cjrl-2282	477	83	debt	debt	NOUN
cjrl-2282	477	84	was	be	AUX
cjrl-2282	477	85	$	$	SYM
cjrl-2282	477	86	680	680	NUM
cjrl-2282	477	87	billion.102	billion.102	DET
cjrl-2282	477	88	eight	eight	NUM
cjrl-2282	477	89	years	year	NOUN
cjrl-2282	477	90	after	after	ADP
cjrl-2282	477	91	that	that	PRON
cjrl-2282	477	92	,	,	PUNCT
cjrl-2282	477	93	in	in	ADP
cjrl-2282	477	94	2008	2008	NUM
cjrl-2282	477	95	,	,	PUNCT
cjrl-2282	477	96	there	there	PRON
cjrl-2282	477	97	were	be	VERB
cjrl-2282	477	98	176	176	NUM
cjrl-2282	477	99	million	million	NUM
cjrl-2282	477	100	card	card	NOUN
cjrl-2282	477	101	holders	holder	NOUN
cjrl-2282	477	102	and	and	CCONJ
cjrl-2282	477	103	1.493	1.493	NUM
cjrl-2282	477	104	billion	billion	NUM
cjrl-2282	477	105	credit	credit	NOUN
cjrl-2282	477	106	cards	card	NOUN
cjrl-2282	477	107	in	in	ADP
cjrl-2282	477	108	circulation;103	circulation;103	PROPN
cjrl-2282	477	109	credit	credit	NOUN
cjrl-2282	477	110	card	card	NOUN
cjrl-2282	477	111	purchases	purchase	NOUN
cjrl-2282	477	112	totaled	total	VERB
cjrl-2282	477	113	$	$	SYM
cjrl-2282	477	114	2.153	2.153	NUM
cjrl-2282	477	115	trillion	trillion	NUM
cjrl-2282	477	116	,	,	PUNCT
cjrl-2282	477	117	and	and	CCONJ
cjrl-2282	477	118	outstanding	outstanding	ADJ
cjrl-2282	477	119	consumer	consumer	NOUN
cjrl-2282	477	120	debt	debt	NOUN
cjrl-2282	477	121	stood	stand	VERB
cjrl-2282	477	122	at	at	ADP
cjrl-2282	477	123	$	$	SYM
cjrl-2282	477	124	976	976	NUM
cjrl-2282	477	125	billion.104	billion.104	NOUN
cjrl-2282	477	126	the	the	DET
cjrl-2282	477	127	census	census	NOUN
cjrl-2282	477	128	bureau	bureau	NOUN
cjrl-2282	477	129	projects	project	VERB
cjrl-2282	477	130	that	that	SCONJ
cjrl-2282	477	131	for	for	ADP
cjrl-2282	477	132	2011	2011	NUM
cjrl-2282	477	133	there	there	PRON
cjrl-2282	477	134	were	be	VERB
cjrl-2282	477	135	183	183	NUM
cjrl-2282	477	136	million	million	NUM
cjrl-2282	477	137	people	people	NOUN
cjrl-2282	477	138	with	with	ADP
cjrl-2282	477	139	credit	credit	NOUN
cjrl-2282	477	140	cards	card	NOUN
cjrl-2282	477	141	and	and	CCONJ
cjrl-2282	477	142	1.278	1.278	NUM
cjrl-2282	477	143	billion	billion	NUM
cjrl-2282	477	144	credit	credit	NOUN
cjrl-2282	477	145	cards	card	NOUN
cjrl-2282	477	146	in	in	ADP
cjrl-2282	477	147	circulation.105	circulation.105	PROPN
cjrl-2282	477	148	the	the	DET
cjrl-2282	477	149	bureau	bureau	NOUN
cjrl-2282	477	150	further	far	ADV
cjrl-2282	477	151	estimates	estimate	VERB
cjrl-2282	477	152	that	that	SCONJ
cjrl-2282	477	153	credit	credit	NOUN
cjrl-2282	477	154	transactions	transaction	NOUN
cjrl-2282	477	155	for	for	ADP
cjrl-2282	477	156	2011	2011	NUM
cjrl-2282	477	157	totaled	total	VERB
cjrl-2282	477	158	$	$	SYM
cjrl-2282	477	159	2.044	2.044	NUM
cjrl-2282	477	160	trillion	trillion	NUM
cjrl-2282	477	161	,	,	PUNCT
cjrl-2282	477	162	and	and	CCONJ
cjrl-2282	477	163	total	total	ADJ
cjrl-2282	477	164	consumer	consumer	NOUN
cjrl-2282	477	165	outstanding	outstanding	ADJ
cjrl-2282	477	166	debt	debt	NOUN
cjrl-2282	477	167	was	be	AUX
cjrl-2282	477	168	$	$	SYM
cjrl-2282	477	169	897	897	NUM
cjrl-2282	477	170	billion.106	billion.106	NOUN
cjrl-2282	477	171	though	though	SCONJ
cjrl-2282	477	172	i	i	PRON
cjrl-2282	477	173	ultimately	ultimately	ADV
cjrl-2282	477	174	conclude	conclude	VERB
cjrl-2282	477	175	that	that	SCONJ
cjrl-2282	477	176	credit	credit	NOUN
cjrl-2282	477	177	card	card	NOUN
cjrl-2282	477	178	use	use	NOUN
cjrl-2282	477	179	is	be	AUX
cjrl-2282	477	180	a	a	DET
cjrl-2282	477	181	significant	significant	ADJ
cjrl-2282	477	182	problem	problem	NOUN
cjrl-2282	477	183	for	for	ADP
cjrl-2282	477	184	consumers	consumer	NOUN
cjrl-2282	477	185	(	(	PUNCT
cjrl-2282	477	186	and	and	CCONJ
cjrl-2282	477	187	minorities	minority	NOUN
cjrl-2282	477	188	in	in	ADP
cjrl-2282	477	189	particular	particular	ADJ
cjrl-2282	477	190	)	)	PUNCT
cjrl-2282	477	191	,	,	PUNCT
cjrl-2282	477	192	i	i	PRON
cjrl-2282	477	193	also	also	ADV
cjrl-2282	477	194	recognize	recognize	VERB
cjrl-2282	477	195	that	that	SCONJ
cjrl-2282	477	196	credit	credit	NOUN
cjrl-2282	477	197	cards	card	NOUN
cjrl-2282	477	198	do	do	AUX
cjrl-2282	477	199	provide	provide	VERB
cjrl-2282	477	200	some	some	DET
cjrl-2282	477	201	important	important	ADJ
cjrl-2282	477	202	benefits	benefit	NOUN
cjrl-2282	477	203	for	for	ADP
cjrl-2282	477	204	consumers	consumer	NOUN
cjrl-2282	477	205	.	.	PUNCT
cjrl-2282	478	1	first	first	ADV
cjrl-2282	478	2	,	,	PUNCT
cjrl-2282	478	3	for	for	ADP
cjrl-2282	478	4	many	many	ADJ
cjrl-2282	478	5	consumers	consumer	NOUN
cjrl-2282	478	6	,	,	PUNCT
cjrl-2282	478	7	credit	credit	NOUN
cjrl-2282	478	8	cards	card	NOUN
cjrl-2282	478	9	may	may	AUX
cjrl-2282	478	10	be	be	AUX
cjrl-2282	478	11	the	the	DET
cjrl-2282	478	12	only	only	ADJ
cjrl-2282	478	13	available	available	ADJ
cjrl-2282	478	14	source	source	NOUN
cjrl-2282	478	15	of	of	ADP
cjrl-2282	478	16	credit.107	credit.107	NOUN
cjrl-2282	478	17	also	also	ADV
cjrl-2282	478	18	,	,	PUNCT
cjrl-2282	478	19	credit	credit	NOUN
cjrl-2282	478	20	cards	card	NOUN
cjrl-2282	478	21	allow	allow	VERB
cjrl-2282	478	22	consumers	consumer	NOUN
cjrl-2282	478	23	greater	great	ADJ
cjrl-2282	478	24	cash	cash	NOUN
cjrl-2282	478	25	management	management	NOUN
cjrl-2282	478	26	flexibility	flexibility	NOUN
cjrl-2282	478	27	because	because	SCONJ
cjrl-2282	478	28	the	the	DET
cjrl-2282	478	29	ability	ability	NOUN
cjrl-2282	478	30	to	to	PART
cjrl-2282	478	31	use	use	VERB
cjrl-2282	478	32	credit	credit	NOUN
cjrl-2282	478	33	is	be	AUX
cjrl-2282	478	34	less	less	ADV
cjrl-2282	478	35	tied	tie	VERB
cjrl-2282	478	36	to	to	ADP
cjrl-2282	478	37	receiving	receive	VERB
cjrl-2282	478	38	a	a	DET
cjrl-2282	478	39	paycheck	paycheck	NOUN
cjrl-2282	478	40	than	than	ADP
cjrl-2282	478	41	payday	payday	NOUN
cjrl-2282	478	42	loans	loan	NOUN
cjrl-2282	478	43	or	or	CCONJ
cjrl-2282	478	44	cash.108	cash.108	VERB
cjrl-2282	478	45	despite	despite	SCONJ
cjrl-2282	478	46	these	these	DET
cjrl-2282	478	47	possible	possible	ADJ
cjrl-2282	478	48	benefits	benefit	NOUN
cjrl-2282	478	49	,	,	PUNCT
cjrl-2282	478	50	credit	credit	NOUN
cjrl-2282	478	51	cards	card	NOUN
cjrl-2282	478	52	also	also	ADV
cjrl-2282	478	53	pose	pose	VERB
cjrl-2282	478	54	significant	significant	ADJ
cjrl-2282	478	55	problems	problem	NOUN
cjrl-2282	478	56	for	for	ADP
cjrl-2282	478	57	consumers	consumer	NOUN
cjrl-2282	478	58	.	.	PUNCT
cjrl-2282	479	1	first	first	ADV
cjrl-2282	479	2	,	,	PUNCT
cjrl-2282	479	3	credit	credit	NOUN
cjrl-2282	479	4	card	card	NOUN
cjrl-2282	479	5	agreements	agreement	NOUN
cjrl-2282	479	6	are	be	AUX
cjrl-2282	479	7	quintessential	quintessential	ADJ
cjrl-2282	479	8	adhesion	adhesion	NOUN
cjrl-2282	479	9	contracts	contract	NOUN
cjrl-2282	479	10	in	in	ADP
cjrl-2282	479	11	which	which	PRON
cjrl-2282	479	12	the	the	DET
cjrl-2282	479	13	consumer	consumer	NOUN
cjrl-2282	479	14	’s	’s	PART
cjrl-2282	479	15	only	only	ADJ
cjrl-2282	479	16	role	role	NOUN
cjrl-2282	479	17	in	in	ADP
cjrl-2282	479	18	the	the	DET
cjrl-2282	479	19	98	98	NUM
cjrl-2282	479	20	banking	banking	NOUN
cjrl-2282	479	21	finance	finance	NOUN
cjrl-2282	479	22	and	and	CCONJ
cjrl-2282	479	23	insurance	insurance	NOUN
cjrl-2282	479	24	,	,	PUNCT
cjrl-2282	479	25	u.s	u.s	PROPN
cjrl-2282	479	26	.	.	PROPN
cjrl-2282	479	27	census	census	PROPN
cjrl-2282	479	28	bureau	bureau	PROPN
cjrl-2282	479	29	,	,	PUNCT
cjrl-2282	479	30	http://www.census.gov/prod/2002pubs/01statab/banking.pdf	http://www.census.gov/prod/2002pubs/01statab/banking.pdf	PROPN
cjrl-2282	479	31	(	(	PUNCT
cjrl-2282	479	32	last	last	ADV
cjrl-2282	479	33	visited	visit	VERB
cjrl-2282	479	34	nov	nov	PROPN
cjrl-2282	479	35	.	.	PROPN
cjrl-2282	479	36	25	25	NUM
cjrl-2282	479	37	,	,	PUNCT
cjrl-2282	479	38	2012	2012	NUM
cjrl-2282	479	39	)	)	PUNCT
cjrl-2282	479	40	99	99	NUM
cjrl-2282	480	1	i	i	PROPN
cjrl-2282	480	2	d.	d.	PROPN
cjrl-2282	480	3	100	100	NUM
cjrl-2282	480	4	legislative	legislative	ADJ
cjrl-2282	480	5	update	update	NOUN
cjrl-2282	480	6	,	,	PUNCT
cjrl-2282	480	7	american	american	PROPN
cjrl-2282	480	8	bankruptcy	bankruptcy	PROPN
cjrl-2282	480	9	institute	institute	PROPN
cjrl-2282	480	10	,	,	PUNCT
cjrl-2282	480	11	http://www.abiworld.org/am/printertemplate.cfm?section=home&template=/cm/contentdis	http://www.abiworld.org/am/printertemplate.cfm?section=home&template=/cm/contentdis	NUM
cjrl-2282	480	12	play.cfm&contentid=53197	play.cfm&contentid=53197	NOUN
cjrl-2282	480	13	(	(	PUNCT
cjrl-2282	480	14	last	last	ADV
cjrl-2282	480	15	visited	visit	VERB
cjrl-2282	480	16	dec	dec	PROPN
cjrl-2282	480	17	.	.	PROPN
cjrl-2282	480	18	9	9	NUM
cjrl-2282	480	19	,	,	PUNCT
cjrl-2282	480	20	2012	2012	NUM
cjrl-2282	480	21	)	)	PUNCT
cjrl-2282	480	22	.	.	PUNCT
cjrl-2282	481	1	101	101	NUM
cjrl-2282	481	2	statistical	statistical	ADJ
cjrl-2282	481	3	abstract	abstract	NOUN
cjrl-2282	481	4	of	of	ADP
cjrl-2282	481	5	the	the	DET
cjrl-2282	481	6	united	united	PROPN
cjrl-2282	481	7	states	states	PROPN
cjrl-2282	481	8	:	:	PUNCT
cjrl-2282	481	9	2011	2011	NUM
cjrl-2282	481	10	,	,	PUNCT
cjrl-2282	481	11	u.s	u.s	PROPN
cjrl-2282	481	12	.	.	PROPN
cjrl-2282	481	13	census	census	PROPN
cjrl-2282	481	14	bureau	bureau	PROPN
cjrl-2282	481	15	,	,	PUNCT
cjrl-2282	481	16	http://www.census.gov/compendia/statab/2011/tables/11s1187.pdf	http://www.census.gov/compendia/statab/2011/tables/11s1187.pdf	PROPN
cjrl-2282	481	17	(	(	PUNCT
cjrl-2282	481	18	last	last	ADV
cjrl-2282	481	19	visited	visit	VERB
cjrl-2282	481	20	nov	nov	PROPN
cjrl-2282	481	21	.	.	PROPN
cjrl-2282	481	22	25	25	NUM
cjrl-2282	481	23	,	,	PUNCT
cjrl-2282	481	24	2012	2012	NUM
cjrl-2282	481	25	)	)	PUNCT
cjrl-2282	481	26	.	.	PUNCT
cjrl-2282	482	1	102	102	NUM
cjrl-2282	483	1	i	i	PROPN
cjrl-2282	483	2	d.	d.	PROPN
cjrl-2282	483	3	103	103	NUM
cjrl-2282	484	1	i	i	PRON
cjrl-2282	484	2	d.	d.	PROPN
cjrl-2282	484	3	104	104	NUM
cjrl-2282	485	1	i	i	PRON
cjrl-2282	485	2	d.	d.	PROPN
cjrl-2282	485	3	105	105	NUM
cjrl-2282	486	1	i	i	PRON
cjrl-2282	486	2	d.	d.	PROPN
cjrl-2282	486	3	106	106	NUM
cjrl-2282	487	1	i	i	PRON
cjrl-2282	487	2	d.	d.	PROPN
cjrl-2282	487	3	the	the	DET
cjrl-2282	487	4	census	census	PROPN
cjrl-2282	487	5	bureau	bureau	PROPN
cjrl-2282	487	6	estimates	estimate	VERB
cjrl-2282	487	7	that	that	SCONJ
cjrl-2282	487	8	there	there	PRON
cjrl-2282	487	9	will	will	AUX
cjrl-2282	487	10	be	be	AUX
cjrl-2282	487	11	160	160	NUM
cjrl-2282	487	12	million	million	NUM
cjrl-2282	487	13	cardholders	cardholder	NOUN
cjrl-2282	487	14	for	for	ADP
cjrl-2282	487	15	2012	2012	NUM
cjrl-2282	487	16	,	,	PUNCT
cjrl-2282	487	17	and	and	CCONJ
cjrl-2282	487	18	outstanding	outstanding	ADJ
cjrl-2282	487	19	consumer	consumer	NOUN
cjrl-2282	487	20	credit	credit	NOUN
cjrl-2282	487	21	debt	debt	NOUN
cjrl-2282	487	22	will	will	AUX
cjrl-2282	487	23	fall	fall	VERB
cjrl-2282	487	24	to	to	ADP
cjrl-2282	487	25	$	$	SYM
cjrl-2282	487	26	870	870	NUM
cjrl-2282	487	27	billion	billion	NUM
cjrl-2282	487	28	.	.	PUNCT
cjrl-2282	488	1	see	see	VERB
cjrl-2282	488	2	u.s	u.s	PROPN
cjrl-2282	488	3	.	.	PROPN
cjrl-2282	488	4	census	census	PROPN
cjrl-2282	488	5	bureau	bureau	PROPN
cjrl-2282	488	6	,	,	PUNCT
cjrl-2282	488	7	http://www.census.gov/compendia/statab/2012/tables/12s1188.pdf	http://www.census.gov/compendia/statab/2012/tables/12s1188.pdf	PROPN
cjrl-2282	488	8	.	.	PROPN
cjrl-2282	488	9	107	107	NUM
cjrl-2282	488	10	see	see	VERB
cjrl-2282	488	11	david	david	PROPN
cjrl-2282	488	12	s.	s.	PROPN
cjrl-2282	488	13	evans	evans	PROPN
cjrl-2282	488	14	,	,	PUNCT
cjrl-2282	488	15	the	the	DET
cjrl-2282	488	16	growth	growth	NOUN
cjrl-2282	488	17	and	and	CCONJ
cjrl-2282	488	18	diffusion	diffusion	NOUN
cjrl-2282	488	19	of	of	ADP
cjrl-2282	488	20	credit	credit	NOUN
cjrl-2282	488	21	cards	card	NOUN
cjrl-2282	488	22	in	in	ADP
cjrl-2282	488	23	society	society	NOUN
cjrl-2282	488	24	,	,	PUNCT
cjrl-2282	488	25	2	2	NUM
cjrl-2282	488	26	payment	payment	NOUN
cjrl-2282	488	27	card	card	NOUN
cjrl-2282	488	28	econ	econ	NOUN
cjrl-2282	488	29	.	.	PUNCT
cjrl-2282	489	1	rev	rev	PROPN
cjrl-2282	489	2	.	.	PROPN
cjrl-2282	489	3	59	59	NUM
cjrl-2282	489	4	,	,	PUNCT
cjrl-2282	489	5	64	64	NUM
cjrl-2282	489	6	(	(	PUNCT
cjrl-2282	489	7	2004	2004	NUM
cjrl-2282	489	8	)	)	PUNCT
cjrl-2282	489	9	.	.	PUNCT
cjrl-2282	490	1	often	often	ADV
cjrl-2282	490	2	other	other	ADJ
cjrl-2282	490	3	types	type	NOUN
cjrl-2282	490	4	of	of	ADP
cjrl-2282	490	5	unsecured	unsecured	ADJ
cjrl-2282	490	6	loans	loan	NOUN
cjrl-2282	490	7	are	be	AUX
cjrl-2282	490	8	difficult	difficult	ADJ
cjrl-2282	490	9	to	to	PART
cjrl-2282	490	10	obtain	obtain	VERB
cjrl-2282	490	11	since	since	SCONJ
cjrl-2282	490	12	the	the	DET
cjrl-2282	490	13	lender	lender	NOUN
cjrl-2282	490	14	has	have	VERB
cjrl-2282	490	15	to	to	PART
cjrl-2282	490	16	rely	rely	VERB
cjrl-2282	490	17	entirely	entirely	ADV
cjrl-2282	490	18	on	on	ADP
cjrl-2282	490	19	the	the	DET
cjrl-2282	490	20	predicated	predicate	VERB
cjrl-2282	490	21	ability	ability	NOUN
cjrl-2282	490	22	of	of	ADP
cjrl-2282	490	23	the	the	DET
cjrl-2282	490	24	borrower	borrower	NOUN
cjrl-2282	490	25	to	to	PART
cjrl-2282	490	26	pay	pay	VERB
cjrl-2282	490	27	instead	instead	ADV
cjrl-2282	490	28	of	of	ADP
cjrl-2282	490	29	securing	secure	VERB
cjrl-2282	490	30	additional	additional	ADJ
cjrl-2282	490	31	collateral	collateral	NOUN
cjrl-2282	490	32	.	.	PUNCT
cjrl-2282	491	1	108	108	NUM
cjrl-2282	491	2	i	i	PRON
cjrl-2282	491	3	d.	d.	PROPN
cjrl-2282	491	4	2013	2013	PROPN
cjrl-2282	491	5	columbia	columbia	PROPN
cjrl-2282	491	6	journal	journal	PROPN
cjrl-2282	491	7	of	of	ADP
cjrl-2282	491	8	race	race	NOUN
cjrl-2282	491	9	and	and	CCONJ
cjrl-2282	491	10	law	law	NOUN
cjrl-2282	491	11	93	93	NUM
cjrl-2282	491	12	contractual	contractual	ADJ
cjrl-2282	491	13	process	process	NOUN
cjrl-2282	491	14	is	be	AUX
cjrl-2282	491	15	to	to	PART
cjrl-2282	491	16	accept	accept	VERB
cjrl-2282	491	17	or	or	CCONJ
cjrl-2282	491	18	decline	decline	VERB
cjrl-2282	491	19	the	the	DET
cjrl-2282	491	20	terms	term	NOUN
cjrl-2282	491	21	as	as	ADP
cjrl-2282	491	22	offered.109	offered.109	ADP
cjrl-2282	491	23	the	the	DET
cjrl-2282	491	24	fear	fear	NOUN
cjrl-2282	491	25	that	that	SCONJ
cjrl-2282	491	26	credit	credit	NOUN
cjrl-2282	491	27	card	card	NOUN
cjrl-2282	491	28	companies	company	NOUN
cjrl-2282	491	29	will	will	AUX
cjrl-2282	491	30	use	use	VERB
cjrl-2282	491	31	this	this	DET
cjrl-2282	491	32	imbalance	imbalance	NOUN
cjrl-2282	491	33	in	in	ADP
cjrl-2282	491	34	bargaining	bargaining	NOUN
cjrl-2282	491	35	power	power	NOUN
cjrl-2282	491	36	to	to	ADP
cjrl-2282	491	37	their	their	PRON
cjrl-2282	491	38	advantage	advantage	NOUN
cjrl-2282	491	39	is	be	AUX
cjrl-2282	491	40	not	not	PART
cjrl-2282	491	41	merely	merely	ADV
cjrl-2282	491	42	conjectural	conjectural	ADJ
cjrl-2282	491	43	:	:	PUNCT
cjrl-2282	491	44	scholars	scholar	NOUN
cjrl-2282	491	45	and	and	CCONJ
cjrl-2282	491	46	lawmakers	lawmaker	NOUN
cjrl-2282	491	47	have	have	AUX
cjrl-2282	491	48	already	already	ADV
cjrl-2282	491	49	identified	identify	VERB
cjrl-2282	491	50	several	several	ADJ
cjrl-2282	491	51	ways	way	NOUN
cjrl-2282	491	52	in	in	ADP
cjrl-2282	491	53	which	which	PRON
cjrl-2282	491	54	credit	credit	NOUN
cjrl-2282	491	55	companies	company	NOUN
cjrl-2282	491	56	insert	insert	VERB
cjrl-2282	491	57	one	one	NUM
cjrl-2282	491	58	-	-	PUNCT
cjrl-2282	491	59	sided	sided	ADJ
cjrl-2282	491	60	,	,	PUNCT
cjrl-2282	491	61	adhesive	adhesive	ADJ
cjrl-2282	491	62	terms	term	NOUN
cjrl-2282	491	63	into	into	ADP
cjrl-2282	491	64	their	their	PRON
cjrl-2282	491	65	agreements	agreement	NOUN
cjrl-2282	491	66	,	,	PUNCT
cjrl-2282	491	67	often	often	ADV
cjrl-2282	491	68	to	to	ADP
cjrl-2282	491	69	the	the	DET
cjrl-2282	491	70	detriment	detriment	NOUN
cjrl-2282	491	71	of	of	ADP
cjrl-2282	491	72	consumers.110	consumers.110	PROPN
cjrl-2282	491	73	among	among	ADP
cjrl-2282	491	74	others	other	NOUN
cjrl-2282	491	75	,	,	PUNCT
cjrl-2282	491	76	these	these	PRON
cjrl-2282	491	77	include	include	VERB
cjrl-2282	491	78	provisions	provision	NOUN
cjrl-2282	491	79	that	that	PRON
cjrl-2282	491	80	allow	allow	VERB
cjrl-2282	491	81	the	the	DET
cjrl-2282	491	82	credit	credit	NOUN
cjrl-2282	491	83	card	card	NOUN
cjrl-2282	491	84	company	company	NOUN
cjrl-2282	491	85	to	to	PART
cjrl-2282	491	86	alter	alter	VERB
cjrl-2282	491	87	the	the	DET
cjrl-2282	491	88	terms	term	NOUN
cjrl-2282	491	89	of	of	ADP
cjrl-2282	491	90	the	the	DET
cjrl-2282	491	91	agreement	agreement	NOUN
cjrl-2282	491	92	at	at	ADP
cjrl-2282	491	93	any	any	DET
cjrl-2282	491	94	time	time	NOUN
cjrl-2282	491	95	for	for	ADP
cjrl-2282	491	96	any	any	DET
cjrl-2282	491	97	reason	reason	NOUN
cjrl-2282	491	98	or	or	CCONJ
cjrl-2282	491	99	that	that	PRON
cjrl-2282	491	100	allow	allow	VERB
cjrl-2282	491	101	them	they	PRON
cjrl-2282	491	102	to	to	PART
cjrl-2282	491	103	assess	assess	VERB
cjrl-2282	491	104	unreasonable	unreasonable	ADJ
cjrl-2282	491	105	penalty	penalty	NOUN
cjrl-2282	491	106	fees.111	fees.111	PROPN
cjrl-2282	491	107	inclusion	inclusion	NOUN
cjrl-2282	491	108	of	of	ADP
cjrl-2282	491	109	such	such	ADJ
cjrl-2282	491	110	terms	term	NOUN
cjrl-2282	491	111	make	make	VERB
cjrl-2282	491	112	credit	credit	NOUN
cjrl-2282	491	113	cards	card	NOUN
cjrl-2282	491	114	a	a	DET
cjrl-2282	491	115	risky	risky	ADJ
cjrl-2282	491	116	cash	cash	NOUN
cjrl-2282	491	117	management	management	NOUN
cjrl-2282	491	118	solution	solution	NOUN
cjrl-2282	491	119	because	because	SCONJ
cjrl-2282	491	120	the	the	DET
cjrl-2282	491	121	credit	credit	NOUN
cjrl-2282	491	122	card	card	NOUN
cjrl-2282	491	123	debtor	debtor	NOUN
cjrl-2282	491	124	is	be	AUX
cjrl-2282	491	125	in	in	ADP
cjrl-2282	491	126	a	a	DET
cjrl-2282	491	127	considerably	considerably	ADV
cjrl-2282	491	128	inferior	inferior	ADJ
cjrl-2282	491	129	position	position	NOUN
cjrl-2282	491	130	to	to	ADP
cjrl-2282	491	131	that	that	PRON
cjrl-2282	491	132	of	of	ADP
cjrl-2282	491	133	the	the	DET
cjrl-2282	491	134	lender	lender	NOUN
cjrl-2282	491	135	,	,	PUNCT
cjrl-2282	491	136	which	which	PRON
cjrl-2282	491	137	is	be	AUX
cjrl-2282	491	138	both	both	PRON
cjrl-2282	491	139	more	more	ADV
cjrl-2282	491	140	sophisticated	sophisticated	ADJ
cjrl-2282	491	141	economically	economically	ADV
cjrl-2282	491	142	and	and	CCONJ
cjrl-2282	491	143	holds	hold	VERB
cjrl-2282	491	144	a	a	DET
cjrl-2282	491	145	superior	superior	ADJ
cjrl-2282	491	146	relative	relative	ADJ
cjrl-2282	491	147	position	position	NOUN
cjrl-2282	491	148	in	in	ADP
cjrl-2282	491	149	all	all	PRON
cjrl-2282	491	150	negotiations.112	negotiations.112	ADV
cjrl-2282	491	151	subsequently	subsequently	ADV
cjrl-2282	491	152	,	,	PUNCT
cjrl-2282	491	153	in	in	ADP
cjrl-2282	491	154	may	may	PROPN
cjrl-2282	491	155	of	of	ADP
cjrl-2282	491	156	2009	2009	NUM
cjrl-2282	491	157	,	,	PUNCT
cjrl-2282	491	158	credit	credit	NOUN
cjrl-2282	491	159	card	card	NOUN
cjrl-2282	491	160	reform	reform	NOUN
cjrl-2282	491	161	legislation	legislation	NOUN
cjrl-2282	491	162	passed	pass	VERB
cjrl-2282	491	163	that	that	SCONJ
cjrl-2282	491	164	greatly	greatly	ADV
cjrl-2282	491	165	limited	limited	ADJ
cjrl-2282	491	166	:	:	PUNCT
cjrl-2282	491	167	a	a	X
cjrl-2282	491	168	)	)	PUNCT
cjrl-2282	491	169	the	the	DET
cjrl-2282	491	170	card	card	NOUN
cjrl-2282	491	171	companies	company	NOUN
cjrl-2282	491	172	’	'	PUNCT
cjrl-2282	491	173	ability	ability	NOUN
cjrl-2282	491	174	to	to	PART
cjrl-2282	491	175	change	change	VERB
cjrl-2282	491	176	individual	individual	ADJ
cjrl-2282	491	177	interest	interest	NOUN
cjrl-2282	491	178	rates	rate	NOUN
cjrl-2282	491	179	(	(	PUNCT
cjrl-2282	491	180	requires	require	VERB
cjrl-2282	491	181	45	45	NUM
cjrl-2282	491	182	day	day	NOUN
cjrl-2282	491	183	advance	advance	NOUN
cjrl-2282	491	184	notice	notice	NOUN
cjrl-2282	491	185	)	)	PUNCT
cjrl-2282	491	186	;	;	PUNCT
cjrl-2282	492	1	b	b	X
cjrl-2282	492	2	)	)	PUNCT
cjrl-2282	492	3	who	who	PRON
cjrl-2282	492	4	can	can	AUX
cjrl-2282	492	5	receive	receive	VERB
cjrl-2282	492	6	a	a	DET
cjrl-2282	492	7	credit	credit	NOUN
cjrl-2282	492	8	card	card	NOUN
cjrl-2282	492	9	(	(	PUNCT
cjrl-2282	492	10	individuals	individual	NOUN
cjrl-2282	492	11	under	under	ADP
cjrl-2282	492	12	21	21	NUM
cjrl-2282	492	13	must	must	AUX
cjrl-2282	492	14	prove	prove	VERB
cjrl-2282	492	15	that	that	SCONJ
cjrl-2282	492	16	they	they	PRON
cjrl-2282	492	17	can	can	AUX
cjrl-2282	492	18	repay	repay	VERB
cjrl-2282	492	19	the	the	DET
cjrl-2282	492	20	money	money	NOUN
cjrl-2282	492	21	or	or	CCONJ
cjrl-2282	492	22	a	a	DET
cjrl-2282	492	23	parent	parent	NOUN
cjrl-2282	492	24	will	will	AUX
cjrl-2282	492	25	pay	pay	VERB
cjrl-2282	492	26	)	)	PUNCT
cjrl-2282	492	27	;	;	PUNCT
cjrl-2282	492	28	and	and	CCONJ
cjrl-2282	492	29	c	c	X
cjrl-2282	492	30	)	)	PUNCT
cjrl-2282	492	31	how	how	SCONJ
cjrl-2282	492	32	much	much	ADJ
cjrl-2282	492	33	time	time	NOUN
cjrl-2282	492	34	people	people	NOUN
cjrl-2282	492	35	have	have	VERB
cjrl-2282	492	36	to	to	PART
cjrl-2282	492	37	pay	pay	VERB
cjrl-2282	492	38	their	their	PRON
cjrl-2282	492	39	bills.113	bills.113	NOUN
cjrl-2282	492	40	the	the	DET
cjrl-2282	492	41	consumer	consumer	NOUN
cjrl-2282	492	42	risk	risk	NOUN
cjrl-2282	492	43	associated	associate	VERB
cjrl-2282	492	44	with	with	ADP
cjrl-2282	492	45	large	large	ADJ
cjrl-2282	492	46	credit	credit	NOUN
cjrl-2282	492	47	card	card	NOUN
cjrl-2282	492	48	debt	debt	NOUN
cjrl-2282	492	49	was	be	AUX
cjrl-2282	492	50	amplified	amplify	VERB
cjrl-2282	492	51	by	by	ADP
cjrl-2282	492	52	amendments	amendment	NOUN
cjrl-2282	492	53	to	to	ADP
cjrl-2282	492	54	the	the	DET
cjrl-2282	492	55	bankruptcy	bankruptcy	NOUN
cjrl-2282	492	56	code	code	NOUN
cjrl-2282	492	57	passed	pass	VERB
cjrl-2282	492	58	by	by	ADP
cjrl-2282	492	59	congress	congress	PROPN
cjrl-2282	492	60	in	in	ADP
cjrl-2282	492	61	the	the	DET
cjrl-2282	492	62	bankruptcy	bankruptcy	NOUN
cjrl-2282	492	63	abuse	abuse	NOUN
cjrl-2282	492	64	prevention	prevention	NOUN
cjrl-2282	492	65	and	and	CCONJ
cjrl-2282	492	66	consumer	consumer	NOUN
cjrl-2282	492	67	protection	protection	PROPN
cjrl-2282	492	68	act	act	NOUN
cjrl-2282	492	69	of	of	ADP
cjrl-2282	492	70	2005	2005	NUM
cjrl-2282	492	71	(	(	PUNCT
cjrl-2282	492	72	hereafter	hereafter	ADV
cjrl-2282	492	73	“	"	PUNCT
cjrl-2282	492	74	bapcpa	bapcpa	NOUN
cjrl-2282	492	75	”	"	PUNCT
cjrl-2282	492	76	)	)	PUNCT
cjrl-2282	492	77	.	.	PUNCT
cjrl-2282	493	1	ostensibly	ostensibly	ADV
cjrl-2282	493	2	,	,	PUNCT
cjrl-2282	493	3	the	the	DET
cjrl-2282	493	4	purpose	purpose	NOUN
cjrl-2282	493	5	of	of	ADP
cjrl-2282	493	6	bapcpa	bapcpa	NOUN
cjrl-2282	493	7	was	be	AUX
cjrl-2282	493	8	to	to	PART
cjrl-2282	493	9	“	"	PUNCT
cjrl-2282	493	10	improve	improve	VERB
cjrl-2282	493	11	bankruptcy	bankruptcy	NOUN
cjrl-2282	493	12	law	law	NOUN
cjrl-2282	493	13	and	and	CCONJ
cjrl-2282	493	14	practice	practice	NOUN
cjrl-2282	493	15	by	by	ADP
cjrl-2282	493	16	restoring	restore	VERB
cjrl-2282	493	17	personal	personal	ADJ
cjrl-2282	493	18	responsibility	responsibility	NOUN
cjrl-2282	493	19	and	and	CCONJ
cjrl-2282	493	20	integrity	integrity	NOUN
cjrl-2282	493	21	in	in	ADP
cjrl-2282	493	22	the	the	DET
cjrl-2282	493	23	bankruptcy	bankruptcy	NOUN
cjrl-2282	493	24	system	system	NOUN
cjrl-2282	493	25	and	and	CCONJ
cjrl-2282	493	26	ensure	ensure	VERB
cjrl-2282	493	27	that	that	SCONJ
cjrl-2282	493	28	the	the	DET
cjrl-2282	493	29	system	system	NOUN
cjrl-2282	493	30	is	be	AUX
cjrl-2282	493	31	fair	fair	ADJ
cjrl-2282	493	32	for	for	ADP
cjrl-2282	493	33	both	both	CCONJ
cjrl-2282	493	34	debtors	debtor	NOUN
cjrl-2282	493	35	and	and	CCONJ
cjrl-2282	493	36	creditors	creditor	NOUN
cjrl-2282	493	37	.	.	PUNCT
cjrl-2282	493	38	”114	”114	PUNCT
cjrl-2282	494	1	congress	congress	PROPN
cjrl-2282	494	2	passed	pass	VERB
cjrl-2282	494	3	bapcpa	bapcpa	NOUN
cjrl-2282	494	4	in	in	ADP
cjrl-2282	494	5	response	response	NOUN
cjrl-2282	494	6	to	to	ADP
cjrl-2282	494	7	lobbying	lobbying	NOUN
cjrl-2282	494	8	efforts	effort	NOUN
cjrl-2282	494	9	by	by	ADP
cjrl-2282	494	10	the	the	DET
cjrl-2282	494	11	credit	credit	NOUN
cjrl-2282	494	12	and	and	CCONJ
cjrl-2282	494	13	financial	financial	ADJ
cjrl-2282	494	14	sectors	sector	NOUN
cjrl-2282	494	15	feeling	feel	VERB
cjrl-2282	494	16	that	that	SCONJ
cjrl-2282	494	17	many	many	ADJ
cjrl-2282	494	18	consumers	consumer	NOUN
cjrl-2282	494	19	were	be	AUX
cjrl-2282	494	20	spending	spend	VERB
cjrl-2282	494	21	recklessly	recklessly	ADV
cjrl-2282	494	22	and	and	CCONJ
cjrl-2282	494	23	then	then	ADV
cjrl-2282	494	24	taking	take	VERB
cjrl-2282	494	25	advantage	advantage	NOUN
cjrl-2282	494	26	of	of	ADP
cjrl-2282	494	27	lax	lax	ADJ
cjrl-2282	494	28	bankruptcy	bankruptcy	NOUN
cjrl-2282	494	29	rules	rule	NOUN
cjrl-2282	494	30	to	to	PART
cjrl-2282	494	31	escape	escape	VERB
cjrl-2282	494	32	their	their	PRON
cjrl-2282	494	33	debt	debt	NOUN
cjrl-2282	494	34	obligations.115	obligations.115	NOUN
cjrl-2282	494	35	the	the	DET
cjrl-2282	494	36	2005	2005	NUM
cjrl-2282	494	37	amendments	amendment	NOUN
cjrl-2282	494	38	to	to	ADP
cjrl-2282	494	39	the	the	DET
cjrl-2282	494	40	bankruptcy	bankruptcy	NOUN
cjrl-2282	494	41	code	code	NOUN
cjrl-2282	494	42	specifically	specifically	ADV
cjrl-2282	494	43	targeted	target	VERB
cjrl-2282	494	44	consumer	consumer	NOUN
cjrl-2282	494	45	bankruptcy	bankruptcy	NOUN
cjrl-2282	494	46	filings	filing	NOUN
cjrl-2282	494	47	in	in	ADP
cjrl-2282	494	48	order	order	NOUN
cjrl-2282	494	49	to	to	PART
cjrl-2282	494	50	reduce	reduce	VERB
cjrl-2282	494	51	the	the	DET
cjrl-2282	494	52	losses	loss	NOUN
cjrl-2282	494	53	incurred	incur	VERB
cjrl-2282	494	54	by	by	ADP
cjrl-2282	494	55	the	the	DET
cjrl-2282	494	56	credit	credit	NOUN
cjrl-2282	494	57	industry	industry	NOUN
cjrl-2282	494	58	as	as	ADP
cjrl-2282	494	59	a	a	DET
cjrl-2282	494	60	result	result	NOUN
cjrl-2282	494	61	of	of	ADP
cjrl-2282	494	62	the	the	DET
cjrl-2282	494	63	ability	ability	NOUN
cjrl-2282	494	64	of	of	ADP
cjrl-2282	494	65	credit	credit	NOUN
cjrl-2282	494	66	card	card	NOUN
cjrl-2282	494	67	holders	holder	NOUN
cjrl-2282	494	68	to	to	PART
cjrl-2282	494	69	discharge	discharge	VERB
cjrl-2282	494	70	their	their	PRON
cjrl-2282	494	71	debts	debt	NOUN
cjrl-2282	494	72	in	in	ADP
cjrl-2282	494	73	chapter	chapter	NOUN
cjrl-2282	494	74	seven	seven	NUM
cjrl-2282	494	75	proceedings.116	proceedings.116	NOUN
cjrl-2282	494	76	following	follow	VERB
cjrl-2282	494	77	the	the	DET
cjrl-2282	494	78	amendments	amendment	NOUN
cjrl-2282	494	79	,	,	PUNCT
cjrl-2282	494	80	bankruptcy	bankruptcy	NOUN
cjrl-2282	494	81	is	be	AUX
cjrl-2282	494	82	a	a	DET
cjrl-2282	494	83	less	less	ADV
cjrl-2282	494	84	viable	viable	ADJ
cjrl-2282	494	85	option	option	NOUN
cjrl-2282	494	86	for	for	ADP
cjrl-2282	494	87	many	many	ADJ
cjrl-2282	494	88	consumers	consumer	NOUN
cjrl-2282	494	89	,	,	PUNCT
cjrl-2282	494	90	meaning	mean	VERB
cjrl-2282	494	91	that	that	SCONJ
cjrl-2282	494	92	credit	credit	NOUN
cjrl-2282	494	93	card	card	NOUN
cjrl-2282	494	94	debt	debt	NOUN
cjrl-2282	494	95	is	be	AUX
cjrl-2282	494	96	considerably	considerably	ADV
cjrl-2282	494	97	more	more	ADV
cjrl-2282	494	98	likely	likely	ADJ
cjrl-2282	494	99	to	to	PART
cjrl-2282	494	100	become	become	VERB
cjrl-2282	494	101	permanent.117	permanent.117	NOUN
cjrl-2282	494	102	when	when	SCONJ
cjrl-2282	494	103	race	race	NOUN
cjrl-2282	494	104	is	be	AUX
cjrl-2282	494	105	factored	factor	VERB
cjrl-2282	494	106	into	into	ADP
cjrl-2282	494	107	the	the	DET
cjrl-2282	494	108	equation	equation	NOUN
cjrl-2282	494	109	,	,	PUNCT
cjrl-2282	494	110	the	the	DET
cjrl-2282	494	111	problems	problem	NOUN
cjrl-2282	494	112	associated	associate	VERB
cjrl-2282	494	113	with	with	ADP
cjrl-2282	494	114	credit	credit	NOUN
cjrl-2282	494	115	cards	card	NOUN
cjrl-2282	494	116	are	be	AUX
cjrl-2282	494	117	exacerbated	exacerbate	VERB
cjrl-2282	494	118	.	.	PUNCT
cjrl-2282	495	1	traditionally	traditionally	ADV
cjrl-2282	495	2	,	,	PUNCT
cjrl-2282	495	3	minority	minority	NOUN
cjrl-2282	495	4	access	access	NOUN
cjrl-2282	495	5	to	to	ADP
cjrl-2282	495	6	credit	credit	NOUN
cjrl-2282	495	7	was	be	AUX
cjrl-2282	495	8	well	well	ADV
cjrl-2282	495	9	below	below	ADP
cjrl-2282	495	10	that	that	PRON
cjrl-2282	495	11	of	of	ADP
cjrl-2282	495	12	whites.118	whites.118	NOUN
cjrl-2282	495	13	when	when	SCONJ
cjrl-2282	495	14	minorities	minority	NOUN
cjrl-2282	495	15	are	be	AUX
cjrl-2282	495	16	offered	offer	VERB
cjrl-2282	495	17	credit	credit	NOUN
cjrl-2282	495	18	card	card	NOUN
cjrl-2282	495	19	agreements	agreement	NOUN
cjrl-2282	495	20	,	,	PUNCT
cjrl-2282	495	21	they	they	PRON
cjrl-2282	495	22	are	be	AUX
cjrl-2282	495	23	frequently	frequently	ADV
cjrl-2282	495	24	on	on	ADP
cjrl-2282	495	25	less	less	ADV
cjrl-2282	495	26	favorable	favorable	ADJ
cjrl-2282	495	27	terms	term	NOUN
cjrl-2282	495	28	than	than	SCONJ
cjrl-2282	495	29	white	white	ADJ
cjrl-2282	495	30	customers	customer	NOUN
cjrl-2282	495	31	receive.119	receive.119	VERB
cjrl-2282	495	32	specifically	specifically	ADV
cjrl-2282	495	33	,	,	PUNCT
cjrl-2282	495	34	poor	poor	ADJ
cjrl-2282	495	35	and	and	CCONJ
cjrl-2282	495	36	minority	minority	NOUN
cjrl-2282	495	37	customers	customer	NOUN
cjrl-2282	495	38	were	be	AUX
cjrl-2282	495	39	found	find	VERB
cjrl-2282	495	40	by	by	ADP
cjrl-2282	495	41	one	one	NUM
cjrl-2282	495	42	recent	recent	ADJ
cjrl-2282	495	43	study	study	NOUN
cjrl-2282	495	44	to	to	PART
cjrl-2282	495	45	be	be	AUX
cjrl-2282	495	46	more	more	ADV
cjrl-2282	495	47	likely	likely	ADJ
cjrl-2282	495	48	to	to	PART
cjrl-2282	495	49	109	109	NUM
cjrl-2282	495	50	see	see	VERB
cjrl-2282	495	51	eric	eric	PROPN
cjrl-2282	495	52	a.	a.	PROPN
cjrl-2282	495	53	zacks	zacks	PROPN
cjrl-2282	495	54	,	,	PUNCT
cjrl-2282	495	55	unstacking	unstacke	VERB
cjrl-2282	495	56	the	the	DET
cjrl-2282	495	57	deck	deck	NOUN
cjrl-2282	495	58	?	?	PUNCT
cjrl-2282	496	1	contract	contract	NOUN
cjrl-2282	496	2	manipulation	manipulation	NOUN
cjrl-2282	496	3	and	and	CCONJ
cjrl-2282	496	4	credit	credit	NOUN
cjrl-2282	496	5	card	card	NOUN
cjrl-2282	496	6	accountability	accountability	NOUN
cjrl-2282	496	7	,	,	PUNCT
cjrl-2282	496	8	78	78	NUM
cjrl-2282	496	9	u.	u.	NOUN
cjrl-2282	496	10	cin	cin	PROPN
cjrl-2282	496	11	.	.	PUNCT
cjrl-2282	497	1	l.	l.	PROPN
cjrl-2282	497	2	rev	rev	PROPN
cjrl-2282	497	3	.	.	PROPN
cjrl-2282	497	4	1471	1471	NUM
cjrl-2282	497	5	,	,	PUNCT
cjrl-2282	497	6	1474	1474	NUM
cjrl-2282	497	7	(	(	PUNCT
cjrl-2282	497	8	2010	2010	NUM
cjrl-2282	497	9	)	)	PUNCT
cjrl-2282	497	10	;	;	PUNCT
cjrl-2282	497	11	mo	mo	PROPN
cjrl-2282	497	12	zhang	zhang	PROPN
cjrl-2282	497	13	,	,	PUNCT
cjrl-2282	497	14	contractual	contractual	ADJ
cjrl-2282	497	15	choice	choice	NOUN
cjrl-2282	497	16	of	of	ADP
cjrl-2282	497	17	law	law	NOUN
cjrl-2282	497	18	in	in	ADP
cjrl-2282	497	19	contracts	contract	NOUN
cjrl-2282	497	20	of	of	ADP
cjrl-2282	497	21	adhesion	adhesion	NOUN
cjrl-2282	497	22	and	and	CCONJ
cjrl-2282	497	23	party	party	NOUN
cjrl-2282	497	24	autonomy	autonomy	NOUN
cjrl-2282	497	25	,	,	PUNCT
cjrl-2282	497	26	41	41	NUM
cjrl-2282	497	27	akron	akron	PROPN
cjrl-2282	497	28	l.	l.	PROPN
cjrl-2282	497	29	rev	rev	PROPN
cjrl-2282	497	30	.	.	PROPN
cjrl-2282	497	31	123	123	NUM
cjrl-2282	497	32	,	,	PUNCT
cjrl-2282	497	33	123–24	123–24	NUM
cjrl-2282	497	34	(	(	PUNCT
cjrl-2282	497	35	2008	2008	NUM
cjrl-2282	497	36	)	)	PUNCT
cjrl-2282	497	37	.	.	PUNCT
cjrl-2282	498	1	110	110	NUM
cjrl-2282	498	2	see	see	VERB
cjrl-2282	498	3	zacks	zack	NOUN
cjrl-2282	498	4	,	,	PUNCT
cjrl-2282	498	5	supra	supra	PROPN
cjrl-2282	498	6	note	note	PROPN
cjrl-2282	498	7	109	109	NUM
cjrl-2282	498	8	,	,	PUNCT
cjrl-2282	498	9	at	at	ADP
cjrl-2282	498	10	1477–78	1477–78	NUM
cjrl-2282	498	11	.	.	PUNCT
cjrl-2282	498	12	111	111	NUM
cjrl-2282	499	1	i	i	PROPN
cjrl-2282	499	2	d.	d.	PROPN
cjrl-2282	499	3	112	112	NUM
cjrl-2282	499	4	this	this	DET
cjrl-2282	499	5	imbalance	imbalance	NOUN
cjrl-2282	499	6	of	of	ADP
cjrl-2282	499	7	bargaining	bargaining	NOUN
cjrl-2282	499	8	strength	strength	NOUN
cjrl-2282	499	9	and	and	CCONJ
cjrl-2282	499	10	susceptibility	susceptibility	NOUN
cjrl-2282	499	11	to	to	PART
cjrl-2282	499	12	fraud	fraud	VERB
cjrl-2282	499	13	were	be	AUX
cjrl-2282	499	14	one	one	NUM
cjrl-2282	499	15	of	of	ADP
cjrl-2282	499	16	the	the	DET
cjrl-2282	499	17	things	thing	NOUN
cjrl-2282	499	18	which	which	PRON
cjrl-2282	499	19	motivated	motivate	VERB
cjrl-2282	499	20	congress	congress	PROPN
cjrl-2282	499	21	to	to	PART
cjrl-2282	499	22	pass	pass	VERB
cjrl-2282	499	23	the	the	DET
cjrl-2282	499	24	card	card	NOUN
cjrl-2282	499	25	act	act	NOUN
cjrl-2282	499	26	in	in	ADP
cjrl-2282	499	27	2009	2009	NUM
cjrl-2282	499	28	.	.	PUNCT
cjrl-2282	500	1	the	the	DET
cjrl-2282	500	2	card	card	NOUN
cjrl-2282	500	3	act	act	NOUN
cjrl-2282	500	4	requires	require	VERB
cjrl-2282	500	5	,	,	PUNCT
cjrl-2282	500	6	inter	inter	ADJ
cjrl-2282	500	7	alia	alia	NOUN
cjrl-2282	500	8	,	,	PUNCT
cjrl-2282	500	9	that	that	SCONJ
cjrl-2282	500	10	credit	credit	NOUN
cjrl-2282	500	11	card	card	NOUN
cjrl-2282	500	12	companies	company	NOUN
cjrl-2282	500	13	maintain	maintain	VERB
cjrl-2282	500	14	interest	interest	NOUN
cjrl-2282	500	15	rates	rate	NOUN
cjrl-2282	500	16	as	as	SCONJ
cjrl-2282	500	17	stated	state	VERB
cjrl-2282	500	18	in	in	ADP
cjrl-2282	500	19	the	the	DET
cjrl-2282	500	20	initial	initial	ADJ
cjrl-2282	500	21	contract	contract	NOUN
cjrl-2282	500	22	for	for	ADP
cjrl-2282	500	23	one	one	NUM
cjrl-2282	500	24	year	year	NOUN
cjrl-2282	500	25	,	,	PUNCT
cjrl-2282	500	26	and	and	CCONJ
cjrl-2282	500	27	that	that	SCONJ
cjrl-2282	500	28	45	45	NUM
cjrl-2282	500	29	days	day	NOUN
cjrl-2282	500	30	written	write	VERB
cjrl-2282	500	31	notice	notice	NOUN
cjrl-2282	500	32	be	be	AUX
cjrl-2282	500	33	given	give	VERB
cjrl-2282	500	34	if	if	SCONJ
cjrl-2282	500	35	a	a	DET
cjrl-2282	500	36	company	company	NOUN
cjrl-2282	500	37	wishes	wish	VERB
cjrl-2282	500	38	to	to	PART
cjrl-2282	500	39	increase	increase	VERB
cjrl-2282	500	40	a	a	DET
cjrl-2282	500	41	cardholder	cardholder	NOUN
cjrl-2282	500	42	’s	’s	PART
cjrl-2282	500	43	interest	interest	NOUN
cjrl-2282	500	44	rate	rate	NOUN
cjrl-2282	500	45	or	or	CCONJ
cjrl-2282	500	46	fees	fee	NOUN
cjrl-2282	500	47	.	.	PUNCT
cjrl-2282	501	1	new	new	ADJ
cjrl-2282	501	2	credit	credit	NOUN
cjrl-2282	501	3	card	card	NOUN
cjrl-2282	501	4	rules	rule	VERB
cjrl-2282	501	5	effective	effective	ADJ
cjrl-2282	501	6	feb	feb	PROPN
cjrl-2282	501	7	.	.	PROPN
cjrl-2282	501	8	22	22	NUM
cjrl-2282	501	9	,	,	PUNCT
cjrl-2282	501	10	federal	federal	PROPN
cjrl-2282	501	11	reserve	reserve	PROPN
cjrl-2282	501	12	board	board	PROPN
cjrl-2282	501	13	,	,	PUNCT
cjrl-2282	501	14	http://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htm	http://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htm	PROPN
cjrl-2282	501	15	(	(	PUNCT
cjrl-2282	501	16	last	last	ADJ
cjrl-2282	501	17	updated	update	VERB
cjrl-2282	501	18	mar	mar	PROPN
cjrl-2282	501	19	.	.	PROPN
cjrl-2282	501	20	2010	2010	NUM
cjrl-2282	501	21	)	)	PUNCT
cjrl-2282	501	22	.	.	PUNCT
cjrl-2282	502	1	113	113	NUM
cjrl-2282	503	1	i	i	PRON
cjrl-2282	503	2	d.	d.	PROPN
cjrl-2282	503	3	114	114	NUM
cjrl-2282	503	4	h.r	h.r	PROPN
cjrl-2282	503	5	.	.	PROPN
cjrl-2282	503	6	rep	rep	PROPN
cjrl-2282	503	7	.	.	PROPN
cjrl-2282	503	8	no	no	PROPN
cjrl-2282	503	9	.	.	NOUN
cjrl-2282	503	10	109	109	NUM
cjrl-2282	503	11	-	-	SYM
cjrl-2282	503	12	31(i	31(i	NUM
cjrl-2282	503	13	)	)	PUNCT
cjrl-2282	503	14	at	at	ADP
cjrl-2282	503	15	2	2	NUM
cjrl-2282	503	16	(	(	PUNCT
cjrl-2282	503	17	2005	2005	NUM
cjrl-2282	503	18	)	)	PUNCT
cjrl-2282	503	19	.	.	PUNCT
cjrl-2282	504	1	115	115	NUM
cjrl-2282	504	2	see	see	VERB
cjrl-2282	504	3	bankruptcy	bankruptcy	NOUN
cjrl-2282	504	4	abuse	abuse	NOUN
cjrl-2282	504	5	prevention	prevention	NOUN
cjrl-2282	504	6	and	and	CCONJ
cjrl-2282	504	7	consumer	consumer	NOUN
cjrl-2282	504	8	protection	protection	PROPN
cjrl-2282	504	9	act	act	PROPN
cjrl-2282	504	10	,	,	PUNCT
cjrl-2282	504	11	cchgroup	cchgroup	NOUN
cjrl-2282	504	12	(	(	PUNCT
cjrl-2282	504	13	apr	apr	PROPN
cjrl-2282	504	14	.	.	PROPN
cjrl-2282	504	15	21	21	NUM
cjrl-2282	504	16	,	,	PUNCT
cjrl-2282	504	17	2005	2005	NUM
cjrl-2282	504	18	)	)	PUNCT
cjrl-2282	504	19	,	,	PUNCT
cjrl-2282	504	20	http://www.cch.com/bankruptcy/bankruptcy_04-21.pdf	http://www.cch.com/bankruptcy/bankruptcy_04-21.pdf	NOUN
cjrl-2282	504	21	.	.	PUNCT
cjrl-2282	505	1	116	116	NUM
cjrl-2282	506	1	i	i	PRON
cjrl-2282	506	2	d.	d.	PROPN
cjrl-2282	506	3	117	117	NUM
cjrl-2282	507	1	i	i	PROPN
cjrl-2282	507	2	d.	d.	PROPN
cjrl-2282	507	3	at	at	ADP
cjrl-2282	507	4	2	2	NUM
cjrl-2282	507	5	.	.	NUM
cjrl-2282	507	6	118	118	NUM
cjrl-2282	507	7	demos	demos	NOUN
cjrl-2282	507	8	,	,	PUNCT
cjrl-2282	507	9	supra	supra	PROPN
cjrl-2282	507	10	note	note	NOUN
cjrl-2282	507	11	43	43	NUM
cjrl-2282	507	12	.	.	PUNCT
cjrl-2282	508	1	119	119	NUM
cjrl-2282	509	1	i	i	PRON
cjrl-2282	509	2	d.	d.	PROPN
cjrl-2282	509	3	(	(	PUNCT
cjrl-2282	509	4	characterizing	characterize	VERB
cjrl-2282	509	5	credit	credit	NOUN
cjrl-2282	509	6	agreements	agreement	NOUN
cjrl-2282	509	7	offered	offer	VERB
cjrl-2282	509	8	to	to	ADP
cjrl-2282	509	9	minorities	minority	NOUN
cjrl-2282	509	10	following	follow	VERB
cjrl-2282	509	11	deregulation	deregulation	NOUN
cjrl-2282	509	12	of	of	ADP
cjrl-2282	509	13	credit	credit	NOUN
cjrl-2282	509	14	industry	industry	NOUN
cjrl-2282	509	15	as	as	ADP
cjrl-2282	509	16	“	"	PUNCT
cjrl-2282	509	17	economically	economically	ADV
cjrl-2282	509	18	detrimental	detrimental	ADJ
cjrl-2282	509	19	.	.	PUNCT
cjrl-2282	509	20	”	"	PUNCT
cjrl-2282	509	21	)	)	PUNCT
cjrl-2282	509	22	.	.	PUNCT
cjrl-2282	510	1	see	see	VERB
cjrl-2282	510	2	also	also	ADV
cjrl-2282	510	3	jennifer	jennifer	PROPN
cjrl-2282	510	4	wheary	wheary	PROPN
cjrl-2282	510	5	&	&	CCONJ
cjrl-2282	510	6	tamara	tamara	PROPN
cjrl-2282	510	7	draut	draut	PROPN
cjrl-2282	510	8	,	,	PUNCT
cjrl-2282	510	9	who	who	PRON
cjrl-2282	510	10	pays	pay	VERB
cjrl-2282	510	11	?	?	PUNCT
cjrl-2282	511	1	winners	winner	NOUN
cjrl-2282	511	2	and	and	CCONJ
cjrl-2282	511	3	losers	loser	NOUN
cjrl-2282	511	4	of	of	ADP
cjrl-2282	511	5	credit	credit	NOUN
cjrl-2282	511	6	card	card	NOUN
cjrl-2282	511	7	deregulation	deregulation	NOUN
cjrl-2282	511	8	,	,	PUNCT
cjrl-2282	511	9	demos	demos	NOUN
cjrl-2282	511	10	,	,	PUNCT
cjrl-2282	511	11	1	1	NUM
cjrl-2282	511	12	,	,	PUNCT
cjrl-2282	511	13	http://www.demos.org/sites/default/files/publications/whopays_demos.pdf	http://www.demos.org/sites/default/files/publications/whopays_demos.pdf	NOUN
cjrl-2282	511	14	(	(	PUNCT
cjrl-2282	511	15	last	last	ADV
cjrl-2282	511	16	visited	visit	VERB
cjrl-2282	511	17	nov	nov	PROPN
cjrl-2282	511	18	.	.	PROPN
cjrl-2282	511	19	25	25	NUM
cjrl-2282	511	20	,	,	PUNCT
cjrl-2282	511	21	2012	2012	NUM
cjrl-2282	511	22	)	)	PUNCT
cjrl-2282	512	1	(	(	PUNCT
cjrl-2282	512	2	noting	note	VERB
cjrl-2282	512	3	that	that	SCONJ
cjrl-2282	512	4	low	low	ADJ
cjrl-2282	512	5	wealth	wealth	NOUN
cjrl-2282	512	6	and	and	CCONJ
cjrl-2282	512	7	minority	minority	NOUN
cjrl-2282	512	8	customers	customer	NOUN
cjrl-2282	512	9	receive	receive	VERB
cjrl-2282	512	10	higher	high	ADJ
cjrl-2282	512	11	interest	interest	NOUN
cjrl-2282	512	12	rates	rate	NOUN
cjrl-2282	512	13	than	than	ADP
cjrl-2282	512	14	other	other	ADJ
cjrl-2282	512	15	consumers	consumer	NOUN
cjrl-2282	512	16	)	)	PUNCT
cjrl-2282	512	17	.	.	PUNCT
cjrl-2282	513	1	94	94	NUM
cjrl-2282	513	2	checking	check	VERB
cjrl-2282	513	3	out	out	ADP
cjrl-2282	513	4	the	the	DET
cjrl-2282	513	5	exception	exception	NOUN
cjrl-2282	513	6	to	to	ADP
cjrl-2282	513	7	3	3	NUM
cjrl-2282	513	8	-	-	SYM
cjrl-2282	513	9	104	104	NUM
cjrl-2282	513	10	vol	vol	NOUN
cjrl-2282	513	11	.	.	PUNCT
cjrl-2282	514	1	3:1	3:1	NUM
cjrl-2282	514	2	pay	pay	VERB
cjrl-2282	514	3	greater	great	ADJ
cjrl-2282	514	4	than	than	ADP
cjrl-2282	514	5	twenty	twenty	NUM
cjrl-2282	514	6	percent	percent	NOUN
cjrl-2282	514	7	interest	interest	NOUN
cjrl-2282	514	8	on	on	ADP
cjrl-2282	514	9	their	their	PRON
cjrl-2282	514	10	credit	credit	NOUN
cjrl-2282	514	11	card	card	NOUN
cjrl-2282	514	12	bills,120	bills,120	PROPN
cjrl-2282	514	13	and	and	CCONJ
cjrl-2282	514	14	twice	twice	ADV
cjrl-2282	514	15	as	as	ADV
cjrl-2282	514	16	many	many	ADJ
cjrl-2282	514	17	african	african	ADJ
cjrl-2282	514	18	americans	americans	PROPN
cjrl-2282	514	19	paid	pay	VERB
cjrl-2282	514	20	twenty	twenty	NUM
cjrl-2282	514	21	percent	percent	NOUN
cjrl-2282	514	22	or	or	CCONJ
cjrl-2282	514	23	greater	great	ADJ
cjrl-2282	514	24	interest	interest	NOUN
cjrl-2282	514	25	than	than	SCONJ
cjrl-2282	514	26	whites.121	whites.121	VERB
cjrl-2282	514	27	all	all	DET
cjrl-2282	514	28	things	thing	NOUN
cjrl-2282	514	29	considered	consider	VERB
cjrl-2282	514	30	,	,	PUNCT
cjrl-2282	514	31	it	it	PRON
cjrl-2282	514	32	is	be	AUX
cjrl-2282	514	33	not	not	PART
cjrl-2282	514	34	surprising	surprising	ADJ
cjrl-2282	514	35	that	that	SCONJ
cjrl-2282	514	36	more	more	ADJ
cjrl-2282	514	37	minorities	minority	NOUN
cjrl-2282	514	38	default	default	VERB
cjrl-2282	514	39	on	on	ADP
cjrl-2282	514	40	their	their	PRON
cjrl-2282	514	41	credit	credit	NOUN
cjrl-2282	514	42	card	card	NOUN
cjrl-2282	514	43	bills.122	bills.122	ADP
cjrl-2282	514	44	such	such	ADJ
cjrl-2282	514	45	defaults	default	NOUN
cjrl-2282	514	46	can	can	AUX
cjrl-2282	514	47	have	have	VERB
cjrl-2282	514	48	terrible	terrible	ADJ
cjrl-2282	514	49	consequences	consequence	NOUN
cjrl-2282	514	50	for	for	ADP
cjrl-2282	514	51	a	a	DET
cjrl-2282	514	52	consumer	consumer	NOUN
cjrl-2282	514	53	.	.	PUNCT
cjrl-2282	515	1	when	when	SCONJ
cjrl-2282	515	2	a	a	DET
cjrl-2282	515	3	consumer	consumer	NOUN
cjrl-2282	515	4	defaults	default	NOUN
cjrl-2282	515	5	on	on	ADP
cjrl-2282	515	6	a	a	DET
cjrl-2282	515	7	bill	bill	NOUN
cjrl-2282	515	8	,	,	PUNCT
cjrl-2282	515	9	it	it	PRON
cjrl-2282	515	10	adversely	adversely	ADV
cjrl-2282	515	11	affects	affect	VERB
cjrl-2282	515	12	her	her	PRON
cjrl-2282	515	13	credit	credit	NOUN
cjrl-2282	515	14	rating	rating	NOUN
cjrl-2282	515	15	and	and	CCONJ
cjrl-2282	515	16	the	the	DET
cjrl-2282	515	17	all	all	ADV
cjrl-2282	515	18	-	-	PUNCT
cjrl-2282	515	19	important	important	ADJ
cjrl-2282	515	20	credit	credit	NOUN
cjrl-2282	515	21	score	score	NOUN
cjrl-2282	515	22	—	—	PUNCT
cjrl-2282	515	23	both	both	PRON
cjrl-2282	515	24	of	of	ADP
cjrl-2282	515	25	which	which	PRON
cjrl-2282	515	26	can	can	AUX
cjrl-2282	515	27	lead	lead	VERB
cjrl-2282	515	28	to	to	ADP
cjrl-2282	515	29	fewer	few	ADJ
cjrl-2282	515	30	future	future	ADJ
cjrl-2282	515	31	borrowing	borrowing	NOUN
cjrl-2282	515	32	opportunities	opportunity	NOUN
cjrl-2282	515	33	and	and	CCONJ
cjrl-2282	515	34	perpetuation	perpetuation	NOUN
cjrl-2282	515	35	of	of	ADP
cjrl-2282	515	36	the	the	DET
cjrl-2282	515	37	cycle	cycle	NOUN
cjrl-2282	515	38	of	of	ADP
cjrl-2282	515	39	poverty.123	poverty.123	PROPN
cjrl-2282	515	40	that	that	SCONJ
cjrl-2282	515	41	,	,	PUNCT
cjrl-2282	515	42	in	in	ADP
cjrl-2282	515	43	turn	turn	NOUN
cjrl-2282	515	44	,	,	PUNCT
cjrl-2282	515	45	can	can	AUX
cjrl-2282	515	46	make	make	VERB
cjrl-2282	515	47	it	it	PRON
cjrl-2282	515	48	difficult	difficult	ADJ
cjrl-2282	515	49	to	to	PART
cjrl-2282	515	50	obtain	obtain	VERB
cjrl-2282	515	51	additional	additional	ADJ
cjrl-2282	515	52	credit.124	credit.124	NOUN
cjrl-2282	515	53	when	when	SCONJ
cjrl-2282	515	54	additional	additional	ADJ
cjrl-2282	515	55	credit	credit	NOUN
cjrl-2282	515	56	is	be	AUX
cjrl-2282	515	57	available	available	ADJ
cjrl-2282	515	58	at	at	ADV
cjrl-2282	515	59	all	all	ADV
cjrl-2282	515	60	,	,	PUNCT
cjrl-2282	515	61	it	it	PRON
cjrl-2282	515	62	is	be	AUX
cjrl-2282	515	63	often	often	ADV
cjrl-2282	515	64	at	at	ADP
cjrl-2282	515	65	even	even	ADV
cjrl-2282	515	66	higher	high	ADJ
cjrl-2282	515	67	interest	interest	NOUN
cjrl-2282	515	68	rates.125	rates.125	NOUN
cjrl-2282	515	69	that	that	PRON
cjrl-2282	515	70	leads	lead	VERB
cjrl-2282	515	71	to	to	ADP
cjrl-2282	515	72	a	a	DET
cjrl-2282	515	73	potential	potential	ADJ
cjrl-2282	515	74	debt	debt	NOUN
cjrl-2282	515	75	cycle	cycle	NOUN
cjrl-2282	515	76	,	,	PUNCT
cjrl-2282	515	77	and	and	CCONJ
cjrl-2282	515	78	due	due	ADP
cjrl-2282	515	79	to	to	ADP
cjrl-2282	515	80	bapcpa	bapcpa	VERB
cjrl-2282	515	81	,	,	PUNCT
cjrl-2282	515	82	that	that	DET
cjrl-2282	515	83	debt	debt	NOUN
cjrl-2282	515	84	is	be	AUX
cjrl-2282	515	85	increasingly	increasingly	ADV
cjrl-2282	515	86	difficult	difficult	ADJ
cjrl-2282	515	87	to	to	PART
cjrl-2282	515	88	discharge	discharge	VERB
cjrl-2282	515	89	.	.	PUNCT
cjrl-2282	516	1	a	a	DET
cjrl-2282	516	2	poor	poor	ADJ
cjrl-2282	516	3	credit	credit	NOUN
cjrl-2282	516	4	rating	rating	NOUN
cjrl-2282	516	5	can	can	AUX
cjrl-2282	516	6	also	also	ADV
cjrl-2282	516	7	negatively	negatively	ADV
cjrl-2282	516	8	affect	affect	VERB
cjrl-2282	516	9	current	current	ADJ
cjrl-2282	516	10	and	and	CCONJ
cjrl-2282	516	11	future	future	ADJ
cjrl-2282	516	12	job	job	NOUN
cjrl-2282	516	13	prospects	prospect	NOUN
cjrl-2282	516	14	.	.	PUNCT
cjrl-2282	517	1	c.	c.	PROPN
cjrl-2282	517	2	home	home	PROPN
cjrl-2282	517	3	equity	equity	NOUN
cjrl-2282	517	4	lines	line	NOUN
cjrl-2282	517	5	of	of	ADP
cjrl-2282	517	6	credit	credit	NOUN
cjrl-2282	517	7	(	(	PUNCT
cjrl-2282	517	8	helocs	heloc	NOUN
cjrl-2282	517	9	)	)	PUNCT
cjrl-2282	517	10	helocs	heloc	NOUN
cjrl-2282	517	11	are	be	AUX
cjrl-2282	517	12	a	a	DET
cjrl-2282	517	13	form	form	NOUN
cjrl-2282	517	14	of	of	ADP
cjrl-2282	517	15	credit	credit	NOUN
cjrl-2282	517	16	that	that	PRON
cjrl-2282	517	17	is	be	AUX
cjrl-2282	517	18	tied	tie	VERB
cjrl-2282	517	19	to	to	ADP
cjrl-2282	517	20	the	the	DET
cjrl-2282	517	21	equity	equity	NOUN
cjrl-2282	517	22	a	a	DET
cjrl-2282	517	23	consumer	consumer	NOUN
cjrl-2282	517	24	has	have	VERB
cjrl-2282	517	25	in	in	ADP
cjrl-2282	517	26	his	his	PRON
cjrl-2282	517	27	or	or	CCONJ
cjrl-2282	517	28	her	her	PRON
cjrl-2282	517	29	home	home	NOUN
cjrl-2282	517	30	,	,	PUNCT
cjrl-2282	517	31	and	and	CCONJ
cjrl-2282	517	32	which	which	PRON
cjrl-2282	517	33	collateralizes	collateralize	VERB
cjrl-2282	517	34	the	the	DET
cjrl-2282	517	35	consumer	consumer	NOUN
cjrl-2282	517	36	’s	’s	PART
cjrl-2282	517	37	home	home	NOUN
cjrl-2282	517	38	as	as	ADP
cjrl-2282	517	39	security	security	NOUN
cjrl-2282	517	40	for	for	ADP
cjrl-2282	517	41	the	the	DET
cjrl-2282	517	42	instrument.126	instrument.126	NOUN
cjrl-2282	517	43	in	in	ADP
cjrl-2282	517	44	1991	1991	NUM
cjrl-2282	517	45	,	,	PUNCT
cjrl-2282	517	46	282,000	282,000	NUM
cjrl-2282	517	47	u.s	u.s	PROPN
cjrl-2282	517	48	.	.	PROPN
cjrl-2282	517	49	households	household	NOUN
cjrl-2282	517	50	had	have	VERB
cjrl-2282	517	51	a	a	DET
cjrl-2282	517	52	home	home	NOUN
cjrl-2282	517	53	equity	equity	NOUN
cjrl-2282	517	54	loan	loan	NOUN
cjrl-2282	517	55	.	.	PUNCT
cjrl-2282	518	1	this	this	DET
cjrl-2282	518	2	number	number	NOUN
cjrl-2282	518	3	increased	increase	VERB
cjrl-2282	518	4	at	at	ADP
cjrl-2282	518	5	a	a	DET
cjrl-2282	518	6	gradual	gradual	ADJ
cjrl-2282	518	7	pace	pace	NOUN
cjrl-2282	518	8	until	until	ADP
cjrl-2282	518	9	1997.127	1997.127	NUM
cjrl-2282	518	10	in	in	ADP
cjrl-2282	518	11	1997	1997	NUM
cjrl-2282	518	12	,	,	PUNCT
cjrl-2282	518	13	the	the	DET
cjrl-2282	518	14	number	number	NOUN
cjrl-2282	518	15	of	of	ADP
cjrl-2282	518	16	helocs	heloc	NOUN
cjrl-2282	518	17	totaled	total	VERB
cjrl-2282	518	18	433,000,128	433,000,128	NUM
cjrl-2282	518	19	and	and	CCONJ
cjrl-2282	518	20	in	in	ADP
cjrl-2282	518	21	1998	1998	NUM
cjrl-2282	518	22	,	,	PUNCT
cjrl-2282	518	23	this	this	DET
cjrl-2282	518	24	number	number	NOUN
cjrl-2282	518	25	increased	increase	VERB
cjrl-2282	518	26	substantially	substantially	ADV
cjrl-2282	518	27	to	to	ADP
cjrl-2282	518	28	753,000	753,000	NUM
cjrl-2282	518	29	.	.	PUNCT
cjrl-2282	519	1	by	by	ADP
cjrl-2282	519	2	2000	2000	NUM
cjrl-2282	519	3	,	,	PUNCT
cjrl-2282	519	4	there	there	PRON
cjrl-2282	519	5	were	be	VERB
cjrl-2282	519	6	1,272,000	1,272,000	NUM
cjrl-2282	519	7	households	household	NOUN
cjrl-2282	519	8	with	with	ADP
cjrl-2282	519	9	helocs.129	helocs.129	NOUN
cjrl-2282	519	10	industry	industry	NOUN
cjrl-2282	519	11	sources	source	NOUN
cjrl-2282	519	12	estimated	estimate	VERB
cjrl-2282	519	13	that	that	SCONJ
cjrl-2282	519	14	by	by	ADP
cjrl-2282	519	15	early	early	ADJ
cjrl-2282	519	16	2010	2010	NUM
cjrl-2282	519	17	there	there	PRON
cjrl-2282	519	18	were	be	VERB
cjrl-2282	519	19	5.4	5.4	NUM
cjrl-2282	519	20	million	million	NUM
cjrl-2282	519	21	helocs.130	helocs.130	NOUN
cjrl-2282	519	22	helocs	heloc	NOUN
cjrl-2282	519	23	were	be	AUX
cjrl-2282	519	24	preferred	prefer	VERB
cjrl-2282	519	25	by	by	ADP
cjrl-2282	519	26	consumers	consumer	NOUN
cjrl-2282	519	27	because	because	SCONJ
cjrl-2282	519	28	they	they	PRON
cjrl-2282	519	29	were	be	AUX
cjrl-2282	519	30	a	a	DET
cjrl-2282	519	31	more	more	ADV
cjrl-2282	519	32	affordable	affordable	ADJ
cjrl-2282	519	33	type	type	NOUN
cjrl-2282	519	34	of	of	ADP
cjrl-2282	519	35	credit	credit	NOUN
cjrl-2282	519	36	than	than	ADP
cjrl-2282	519	37	credit	credit	NOUN
cjrl-2282	519	38	cards.131	cards.131	NOUN
cjrl-2282	519	39	like	like	ADP
cjrl-2282	519	40	the	the	DET
cjrl-2282	519	41	other	other	ADJ
cjrl-2282	519	42	forms	form	NOUN
cjrl-2282	519	43	of	of	ADP
cjrl-2282	519	44	credit	credit	NOUN
cjrl-2282	519	45	discussed	discuss	VERB
cjrl-2282	519	46	in	in	ADP
cjrl-2282	519	47	this	this	DET
cjrl-2282	519	48	article	article	NOUN
cjrl-2282	519	49	,	,	PUNCT
cjrl-2282	519	50	however	however	ADV
cjrl-2282	519	51	,	,	PUNCT
cjrl-2282	519	52	helocs	heloc	NOUN
cjrl-2282	519	53	pose	pose	VERB
cjrl-2282	519	54	substantial	substantial	ADJ
cjrl-2282	519	55	risks	risk	NOUN
cjrl-2282	519	56	to	to	ADP
cjrl-2282	519	57	consumers	consumer	NOUN
cjrl-2282	519	58	which	which	PRON
cjrl-2282	519	59	render	render	VERB
cjrl-2282	519	60	them	they	PRON
cjrl-2282	519	61	less	less	ADJ
cjrl-2282	519	62	than	than	ADP
cjrl-2282	519	63	ideal	ideal	ADJ
cjrl-2282	519	64	cash	cash	NOUN
cjrl-2282	519	65	management	management	NOUN
cjrl-2282	519	66	devices.132	devices.132	PROPN
cjrl-2282	519	67	there	there	PRON
cjrl-2282	519	68	is	be	VERB
cjrl-2282	519	69	evidence	evidence	NOUN
cjrl-2282	519	70	that	that	SCONJ
cjrl-2282	519	71	,	,	PUNCT
cjrl-2282	519	72	over	over	ADP
cjrl-2282	519	73	time	time	NOUN
cjrl-2282	519	74	,	,	PUNCT
cjrl-2282	519	75	creditors	creditor	NOUN
cjrl-2282	519	76	offering	offer	VERB
cjrl-2282	519	77	helocs	heloc	NOUN
cjrl-2282	519	78	have	have	AUX
cjrl-2282	519	79	been	be	AUX
cjrl-2282	519	80	engaging	engage	VERB
cjrl-2282	519	81	in	in	ADP
cjrl-2282	519	82	predatory	predatory	ADJ
cjrl-2282	519	83	conduct	conduct	NOUN
cjrl-2282	519	84	.	.	PUNCT
cjrl-2282	520	1	specifically	specifically	ADV
cjrl-2282	520	2	,	,	PUNCT
cjrl-2282	520	3	the	the	DET
cjrl-2282	520	4	main	main	ADJ
cjrl-2282	520	5	predatory	predatory	NOUN
cjrl-2282	520	6	practice	practice	NOUN
cjrl-2282	520	7	that	that	SCONJ
cjrl-2282	520	8	heloc	heloc	PROPN
cjrl-2282	520	9	lenders	lender	NOUN
cjrl-2282	520	10	use	use	VERB
cjrl-2282	520	11	is	be	AUX
cjrl-2282	520	12	the	the	DET
cjrl-2282	520	13	offering	offering	NOUN
cjrl-2282	520	14	of	of	ADP
cjrl-2282	520	15	credit	credit	NOUN
cjrl-2282	520	16	itself	itself	PRON
cjrl-2282	520	17	,	,	PUNCT
cjrl-2282	520	18	specifically	specifically	ADV
cjrl-2282	520	19	offering	offer	VERB
cjrl-2282	520	20	a	a	DET
cjrl-2282	520	21	heloc	heloc	NOUN
cjrl-2282	520	22	to	to	ADP
cjrl-2282	520	23	homeowners	homeowner	NOUN
cjrl-2282	520	24	who	who	PRON
cjrl-2282	520	25	can	can	AUX
cjrl-2282	520	26	not	not	PART
cjrl-2282	520	27	be	be	AUX
cjrl-2282	520	28	reasonably	reasonably	ADV
cjrl-2282	520	29	expected	expect	VERB
cjrl-2282	520	30	to	to	PART
cjrl-2282	520	31	repay	repay	VERB
cjrl-2282	520	32	the	the	DET
cjrl-2282	520	33	loan.133	loan.133	ADJ
cjrl-2282	520	34	lenders	lender	NOUN
cjrl-2282	520	35	encourage	encourage	VERB
cjrl-2282	520	36	consumers	consumer	NOUN
cjrl-2282	520	37	to	to	PART
cjrl-2282	520	38	take	take	VERB
cjrl-2282	520	39	out	out	ADP
cjrl-2282	520	40	helocs	heloc	NOUN
cjrl-2282	520	41	using	use	VERB
cjrl-2282	520	42	several	several	ADJ
cjrl-2282	520	43	strategies	strategy	NOUN
cjrl-2282	520	44	.	.	PUNCT
cjrl-2282	521	1	some	some	DET
cjrl-2282	521	2	lenders	lender	NOUN
cjrl-2282	521	3	,	,	PUNCT
cjrl-2282	521	4	for	for	ADP
cjrl-2282	521	5	instance	instance	NOUN
cjrl-2282	521	6	,	,	PUNCT
cjrl-2282	521	7	instruct	instruct	VERB
cjrl-2282	521	8	consumers	consumer	NOUN
cjrl-2282	521	9	to	to	PART
cjrl-2282	521	10	lie	lie	VERB
cjrl-2282	521	11	on	on	ADP
cjrl-2282	521	12	120	120	NUM
cjrl-2282	521	13	i	i	PROPN
cjrl-2282	521	14	d.	d.	PROPN
cjrl-2282	521	15	at	at	ADP
cjrl-2282	521	16	6	6	NUM
cjrl-2282	521	17	.	.	NUM
cjrl-2282	521	18	121	121	NUM
cjrl-2282	522	1	i	i	PRON
cjrl-2282	522	2	d.	d.	PROPN
cjrl-2282	522	3	122	122	NUM
cjrl-2282	523	1	i	i	PRON
cjrl-2282	523	2	d.	d.	PROPN
cjrl-2282	523	3	123	123	NUM
cjrl-2282	523	4	the	the	DET
cjrl-2282	523	5	plastic	plastic	NOUN
cjrl-2282	523	6	safety	safety	NOUN
cjrl-2282	523	7	,	,	PUNCT
cjrl-2282	523	8	demos	demos	NOUN
cjrl-2282	523	9	,	,	PUNCT
cjrl-2282	523	10	http://www.demos.org/sites/default/files/publications/plasticsafetynetdemos.pdf	http://www.demos.org/sites/default/files/publications/plasticsafetynetdemos.pdf	PROPN
cjrl-2282	523	11	(	(	PUNCT
cjrl-2282	523	12	last	last	ADV
cjrl-2282	523	13	visited	visit	VERB
cjrl-2282	523	14	nov	nov	PROPN
cjrl-2282	523	15	.	.	PROPN
cjrl-2282	523	16	25	25	NUM
cjrl-2282	523	17	,	,	PUNCT
cjrl-2282	523	18	2012	2012	NUM
cjrl-2282	523	19	)	)	PUNCT
cjrl-2282	523	20	.	.	PUNCT
cjrl-2282	524	1	124	124	NUM
cjrl-2282	525	1	i	i	PRON
cjrl-2282	525	2	d.	d.	PROPN
cjrl-2282	525	3	125	125	NUM
cjrl-2282	525	4	i	i	PROPN
cjrl-2282	525	5	d.	d.	PROPN
cjrl-2282	525	6	126	126	NUM
cjrl-2282	525	7	home	home	NOUN
cjrl-2282	525	8	equity	equity	NOUN
cjrl-2282	525	9	lines	line	NOUN
cjrl-2282	525	10	of	of	ADP
cjrl-2282	525	11	credit	credit	NOUN
cjrl-2282	525	12	:	:	PUNCT
cjrl-2282	525	13	who	who	PRON
cjrl-2282	525	14	uses	use	VERB
cjrl-2282	525	15	them	they	PRON
cjrl-2282	525	16	?	?	PUNCT
cjrl-2282	525	17	,	,	PUNCT
cjrl-2282	525	18	u.s	u.s	PROPN
cjrl-2282	525	19	.	.	PROPN
cjrl-2282	525	20	census	census	PROPN
cjrl-2282	525	21	bureau	bureau	PROPN
cjrl-2282	525	22	(	(	PUNCT
cjrl-2282	525	23	sept	sept	PROPN
cjrl-2282	525	24	.	.	PROPN
cjrl-2282	525	25	2007	2007	NUM
cjrl-2282	525	26	)	)	PUNCT
cjrl-2282	525	27	,	,	PUNCT
cjrl-2282	525	28	http://www.census.gov/prod/2007pubs/c2kbr-37.pdf	http://www.census.gov/prod/2007pubs/c2kbr-37.pdf	NOUN
cjrl-2282	525	29	.	.	PUNCT
cjrl-2282	526	1	127	127	NUM
cjrl-2282	527	1	i	i	PRON
cjrl-2282	527	2	d.	d.	PROPN
cjrl-2282	527	3	128	128	NUM
cjrl-2282	528	1	i	i	PRON
cjrl-2282	528	2	d.	d.	PROPN
cjrl-2282	528	3	129	129	NUM
cjrl-2282	529	1	i	i	PROPN
cjrl-2282	529	2	d.	d.	PROPN
cjrl-2282	529	3	130	130	NUM
cjrl-2282	529	4	see	see	VERB
cjrl-2282	529	5	paul	paul	PROPN
cjrl-2282	529	6	calem	calem	PROPN
cjrl-2282	529	7	et	et	PROPN
cjrl-2282	529	8	al	al	PROPN
cjrl-2282	529	9	.	.	PROPN
cjrl-2282	529	10	,	,	PUNCT
cjrl-2282	529	11	credit	credit	NOUN
cjrl-2282	529	12	cycle	cycle	NOUN
cjrl-2282	529	13	and	and	CCONJ
cjrl-2282	529	14	adverse	adverse	ADJ
cjrl-2282	529	15	selection	selection	NOUN
cjrl-2282	529	16	effects	effect	NOUN
cjrl-2282	529	17	in	in	ADP
cjrl-2282	529	18	consumer	consumer	NOUN
cjrl-2282	529	19	credit	credit	NOUN
cjrl-2282	529	20	markets	market	NOUN
cjrl-2282	529	21	—	—	PUNCT
cjrl-2282	529	22	evidence	evidence	NOUN
cjrl-2282	529	23	from	from	ADP
cjrl-2282	529	24	the	the	DET
cjrl-2282	529	25	heloc	heloc	PROPN
cjrl-2282	529	26	market	market	NOUN
cjrl-2282	529	27	(	(	PUNCT
cjrl-2282	529	28	2011	2011	NUM
cjrl-2282	529	29	)	)	PUNCT
cjrl-2282	529	30	,	,	PUNCT
cjrl-2282	529	31	http://www.phil.frb.org/research-and-data/publications/working-papers/2011/wp11-13.pdf	http://www.phil.frb.org/research-and-data/publications/working-papers/2011/wp11-13.pdf	PROPN
cjrl-2282	529	32	.	.	PUNCT
cjrl-2282	530	1	131	131	NUM
cjrl-2282	530	2	marc	marc	PROPN
cjrl-2282	530	3	eisenson	eisenson	PROPN
cjrl-2282	530	4	&	&	CCONJ
cjrl-2282	530	5	nancy	nancy	PROPN
cjrl-2282	530	6	castleman	castleman	PROPN
cjrl-2282	530	7	,	,	PUNCT
cjrl-2282	530	8	when	when	SCONJ
cjrl-2282	530	9	mining	mine	VERB
cjrl-2282	530	10	your	your	PRON
cjrl-2282	530	11	home	home	NOUN
cjrl-2282	530	12	for	for	ADP
cjrl-2282	530	13	money	money	NOUN
cjrl-2282	530	14	,	,	PUNCT
cjrl-2282	530	15	beware	beware	VERB
cjrl-2282	530	16	of	of	ADP
cjrl-2282	530	17	fool	fool	NOUN
cjrl-2282	530	18	's	's	PART
cjrl-2282	530	19	gold	gold	NOUN
cjrl-2282	530	20	,	,	PUNCT
cjrl-2282	530	21	good	good	ADJ
cjrl-2282	530	22	advice	advice	NOUN
cjrl-2282	530	23	press	press	NOUN
cjrl-2282	530	24	,	,	PUNCT
cjrl-2282	530	25	http://www.goodadvicepress.com/omhomeequity.htm	http://www.goodadvicepress.com/omhomeequity.htm	PROPN
cjrl-2282	530	26	(	(	PUNCT
cjrl-2282	530	27	last	last	ADV
cjrl-2282	530	28	visited	visit	VERB
cjrl-2282	530	29	oct	oct	PROPN
cjrl-2282	530	30	.	.	PROPN
cjrl-2282	530	31	21	21	NUM
cjrl-2282	530	32	,	,	PUNCT
cjrl-2282	530	33	2012	2012	NUM
cjrl-2282	530	34	)	)	PUNCT
cjrl-2282	530	35	.	.	PUNCT
cjrl-2282	531	1	132	132	NUM
cjrl-2282	531	2	for	for	ADP
cjrl-2282	531	3	details	detail	NOUN
cjrl-2282	531	4	on	on	ADP
cjrl-2282	531	5	the	the	DET
cjrl-2282	531	6	risk	risk	NOUN
cjrl-2282	531	7	associated	associate	VERB
cjrl-2282	531	8	with	with	ADP
cjrl-2282	531	9	home	home	NOUN
cjrl-2282	531	10	equity	equity	NOUN
cjrl-2282	531	11	lines	line	NOUN
cjrl-2282	531	12	of	of	ADP
cjrl-2282	531	13	credit	credit	NOUN
cjrl-2282	531	14	,	,	PUNCT
cjrl-2282	531	15	see	see	VERB
cjrl-2282	531	16	infra	infra	NOUN
cjrl-2282	531	17	notes	note	VERB
cjrl-2282	531	18	140–41	140–41	NOUN
cjrl-2282	531	19	and	and	CCONJ
cjrl-2282	531	20	accompanying	accompany	VERB
cjrl-2282	531	21	text	text	NOUN
cjrl-2282	531	22	.	.	PUNCT
cjrl-2282	532	1	generally	generally	ADV
cjrl-2282	532	2	speaking	speak	VERB
cjrl-2282	532	3	,	,	PUNCT
cjrl-2282	532	4	wealthier	wealthy	ADJ
cjrl-2282	532	5	consumers	consumer	NOUN
cjrl-2282	532	6	are	be	AUX
cjrl-2282	532	7	more	more	ADV
cjrl-2282	532	8	likely	likely	ADJ
cjrl-2282	532	9	to	to	PART
cjrl-2282	532	10	take	take	VERB
cjrl-2282	532	11	out	out	ADP
cjrl-2282	532	12	a	a	DET
cjrl-2282	532	13	heloc	heloc	NOUN
cjrl-2282	532	14	than	than	ADP
cjrl-2282	532	15	other	other	ADJ
cjrl-2282	532	16	lower	low	ADJ
cjrl-2282	532	17	income	income	NOUN
cjrl-2282	532	18	consumers	consumer	NOUN
cjrl-2282	532	19	.	.	PUNCT
cjrl-2282	533	1	see	see	VERB
cjrl-2282	533	2	rebecca	rebecca	PROPN
cjrl-2282	533	3	n.	n.	PROPN
cjrl-2282	533	4	morrow	morrow	PROPN
cjrl-2282	533	5	,	,	PUNCT
cjrl-2282	533	6	billions	billion	NOUN
cjrl-2282	533	7	of	of	ADP
cjrl-2282	533	8	tax	tax	NOUN
cjrl-2282	533	9	dollars	dollar	NOUN
cjrl-2282	533	10	spent	spend	VERB
cjrl-2282	533	11	inflating	inflate	VERB
cjrl-2282	533	12	the	the	DET
cjrl-2282	533	13	housing	housing	NOUN
cjrl-2282	533	14	bubble	bubble	NOUN
cjrl-2282	533	15	:	:	PUNCT
cjrl-2282	533	16	how	how	SCONJ
cjrl-2282	533	17	and	and	CCONJ
cjrl-2282	533	18	why	why	SCONJ
cjrl-2282	533	19	the	the	DET
cjrl-2282	533	20	mortgage	mortgage	NOUN
cjrl-2282	533	21	interest	interest	NOUN
cjrl-2282	533	22	deduction	deduction	NOUN
cjrl-2282	533	23	failed	fail	VERB
cjrl-2282	533	24	,	,	PUNCT
cjrl-2282	533	25	17	17	NUM
cjrl-2282	533	26	fordham	fordham	PROPN
cjrl-2282	533	27	j.	j.	PROPN
cjrl-2282	533	28	corp	corp	PROPN
cjrl-2282	533	29	.	.	PROPN
cjrl-2282	533	30	&	&	CCONJ
cjrl-2282	533	31	fin	fin	PROPN
cjrl-2282	533	32	.	.	PUNCT
cjrl-2282	534	1	l.	l.	PROPN
cjrl-2282	534	2	751	751	NUM
cjrl-2282	534	3	,	,	PUNCT
cjrl-2282	534	4	795	795	NUM
cjrl-2282	534	5	(	(	PUNCT
cjrl-2282	534	6	2012	2012	NUM
cjrl-2282	534	7	)	)	PUNCT
cjrl-2282	534	8	;	;	PUNCT
cjrl-2282	534	9	but	but	CCONJ
cjrl-2282	534	10	see	see	VERB
cjrl-2282	534	11	rashmi	rashmi	PROPN
cjrl-2282	534	12	dyal	dyal	PROPN
cjrl-2282	534	13	-	-	PUNCT
cjrl-2282	534	14	chand	chand	NOUN
cjrl-2282	534	15	,	,	PUNCT
cjrl-2282	534	16	exporting	export	VERB
cjrl-2282	534	17	the	the	DET
cjrl-2282	534	18	ownership	ownership	NOUN
cjrl-2282	534	19	society	society	NOUN
cjrl-2282	534	20	:	:	PUNCT
cjrl-2282	534	21	a	a	DET
cjrl-2282	534	22	case	case	NOUN
cjrl-2282	534	23	study	study	NOUN
cjrl-2282	534	24	on	on	ADP
cjrl-2282	534	25	the	the	DET
cjrl-2282	534	26	economic	economic	ADJ
cjrl-2282	534	27	impact	impact	NOUN
cjrl-2282	534	28	of	of	ADP
cjrl-2282	534	29	property	property	NOUN
cjrl-2282	534	30	rights	right	NOUN
cjrl-2282	534	31	,	,	PUNCT
cjrl-2282	534	32	39	39	NUM
cjrl-2282	534	33	rutgers	rutgers	PROPN
cjrl-2282	534	34	l.j	l.j	PROPN
cjrl-2282	534	35	.	.	PROPN
cjrl-2282	534	36	59	59	NUM
cjrl-2282	534	37	,	,	PUNCT
cjrl-2282	534	38	75	75	NUM
cjrl-2282	534	39	(	(	PUNCT
cjrl-2282	534	40	2007	2007	NUM
cjrl-2282	534	41	)	)	PUNCT
cjrl-2282	534	42	(	(	PUNCT
cjrl-2282	534	43	describing	describe	VERB
cjrl-2282	534	44	2001	2001	NUM
cjrl-2282	534	45	census	census	NOUN
cjrl-2282	534	46	study	study	NOUN
cjrl-2282	534	47	finding	find	VERB
cjrl-2282	534	48	that	that	SCONJ
cjrl-2282	534	49	810,000	810,000	NUM
cjrl-2282	534	50	out	out	ADP
cjrl-2282	534	51	of	of	ADP
cjrl-2282	534	52	4.3	4.3	NUM
cjrl-2282	534	53	million	million	NUM
cjrl-2282	534	54	americans	americans	PROPN
cjrl-2282	534	55	who	who	PRON
cjrl-2282	534	56	took	take	VERB
cjrl-2282	534	57	out	out	ADP
cjrl-2282	534	58	a	a	DET
cjrl-2282	534	59	heloc	heloc	NOUN
cjrl-2282	534	60	were	be	AUX
cjrl-2282	534	61	lower	low	ADJ
cjrl-2282	534	62	-	-	PUNCT
cjrl-2282	534	63	income	income	NOUN
cjrl-2282	534	64	consumers	consumer	NOUN
cjrl-2282	534	65	)	)	PUNCT
cjrl-2282	534	66	.	.	PUNCT
cjrl-2282	535	1	133	133	NUM
cjrl-2282	535	2	i	i	PROPN
cjrl-2282	535	3	d	d	PROPN
cjrl-2282	535	4	;	;	PUNCT
cjrl-2282	535	5	see	see	VERB
cjrl-2282	535	6	putting	put	VERB
cjrl-2282	535	7	your	your	PRON
cjrl-2282	535	8	home	home	NOUN
cjrl-2282	535	9	on	on	ADP
cjrl-2282	535	10	the	the	DET
cjrl-2282	535	11	loan	loan	NOUN
cjrl-2282	535	12	line	line	NOUN
cjrl-2282	535	13	is	be	AUX
cjrl-2282	535	14	risky	risky	ADJ
cjrl-2282	535	15	business	business	NOUN
cjrl-2282	535	16	,	,	PUNCT
cjrl-2282	535	17	fed	fed	PROPN
cjrl-2282	535	18	.	.	PROPN
cjrl-2282	535	19	reserve	reserve	PROPN
cjrl-2282	535	20	board	board	PROPN
cjrl-2282	535	21	(	(	PUNCT
cjrl-2282	535	22	apr	apr	PROPN
cjrl-2282	535	23	.	.	PROPN
cjrl-2282	535	24	8	8	NUM
cjrl-2282	535	25	,	,	PUNCT
cjrl-2282	535	26	2008	2008	NUM
cjrl-2282	535	27	)	)	PUNCT
cjrl-2282	535	28	,	,	PUNCT
cjrl-2282	535	29	http://www.federalreserve.gov/pubs/riskyhomeloans/.	http://www.federalreserve.gov/pubs/riskyhomeloans/.	NOUN
cjrl-2282	535	30	2013	2013	NUM
cjrl-2282	535	31	columbia	columbia	PROPN
cjrl-2282	535	32	journal	journal	PROPN
cjrl-2282	535	33	of	of	ADP
cjrl-2282	535	34	race	race	NOUN
cjrl-2282	535	35	and	and	CCONJ
cjrl-2282	535	36	law	law	NOUN
cjrl-2282	535	37	95	95	NUM
cjrl-2282	535	38	their	their	PRON
cjrl-2282	535	39	applications	application	NOUN
cjrl-2282	535	40	about	about	ADP
cjrl-2282	535	41	how	how	SCONJ
cjrl-2282	535	42	much	much	ADJ
cjrl-2282	535	43	they	they	PRON
cjrl-2282	535	44	earn	earn	VERB
cjrl-2282	535	45	,	,	PUNCT
cjrl-2282	535	46	thereby	thereby	ADV
cjrl-2282	535	47	increasing	increase	VERB
cjrl-2282	535	48	their	their	PRON
cjrl-2282	535	49	rates	rate	NOUN
cjrl-2282	535	50	of	of	ADP
cjrl-2282	535	51	approval.134	approval.134	ADJ
cjrl-2282	535	52	other	other	ADJ
cjrl-2282	535	53	lenders	lender	NOUN
cjrl-2282	535	54	advise	advise	VERB
cjrl-2282	535	55	homeowners	homeowner	NOUN
cjrl-2282	535	56	to	to	PART
cjrl-2282	535	57	convert	convert	VERB
cjrl-2282	535	58	their	their	PRON
cjrl-2282	535	59	current	current	ADJ
cjrl-2282	535	60	mortgages	mortgage	NOUN
cjrl-2282	535	61	into	into	ADP
cjrl-2282	535	62	new	new	ADJ
cjrl-2282	535	63	,	,	PUNCT
cjrl-2282	535	64	longer	long	ADJ
cjrl-2282	535	65	term	term	NOUN
cjrl-2282	535	66	mortgages	mortgage	NOUN
cjrl-2282	535	67	without	without	ADP
cjrl-2282	535	68	explaining	explain	VERB
cjrl-2282	535	69	the	the	DET
cjrl-2282	535	70	total	total	ADJ
cjrl-2282	535	71	amount	amount	NOUN
cjrl-2282	535	72	by	by	ADP
cjrl-2282	535	73	which	which	PRON
cjrl-2282	535	74	principal	principal	ADJ
cjrl-2282	535	75	debt	debt	NOUN
cjrl-2282	535	76	will	will	AUX
cjrl-2282	535	77	increase	increase	VERB
cjrl-2282	535	78	over	over	ADP
cjrl-2282	535	79	the	the	DET
cjrl-2282	535	80	life	life	NOUN
cjrl-2282	535	81	of	of	ADP
cjrl-2282	535	82	the	the	DET
cjrl-2282	535	83	loan.135	loan.135	NOUN
cjrl-2282	535	84	still	still	ADV
cjrl-2282	535	85	,	,	PUNCT
cjrl-2282	535	86	other	other	ADJ
cjrl-2282	535	87	lenders	lender	NOUN
cjrl-2282	535	88	offer	offer	VERB
cjrl-2282	535	89	consumers	consumer	NOUN
cjrl-2282	535	90	a	a	DET
cjrl-2282	535	91	heloc	heloc	NOUN
cjrl-2282	535	92	based	base	VERB
cjrl-2282	535	93	on	on	ADP
cjrl-2282	535	94	an	an	DET
cjrl-2282	535	95	inflated	inflated	ADJ
cjrl-2282	535	96	value	value	NOUN
cjrl-2282	535	97	of	of	ADP
cjrl-2282	535	98	the	the	DET
cjrl-2282	535	99	home	home	NOUN
cjrl-2282	535	100	and/or	and/or	CCONJ
cjrl-2282	535	101	the	the	DET
cjrl-2282	535	102	amount	amount	NOUN
cjrl-2282	535	103	of	of	ADP
cjrl-2282	535	104	the	the	DET
cjrl-2282	535	105	consumer	consumer	NOUN
cjrl-2282	535	106	’s	’s	PART
cjrl-2282	535	107	equity.136	equity.136	NOUN
cjrl-2282	536	1	this	this	PRON
cjrl-2282	536	2	is	be	AUX
cjrl-2282	536	3	especially	especially	ADV
cjrl-2282	536	4	risky	risky	ADJ
cjrl-2282	536	5	after	after	SCONJ
cjrl-2282	536	6	the	the	DET
cjrl-2282	536	7	housing	housing	NOUN
cjrl-2282	536	8	bubble	bubble	NOUN
cjrl-2282	536	9	burst	burst	NOUN
cjrl-2282	536	10	because	because	SCONJ
cjrl-2282	536	11	home	home	NOUN
cjrl-2282	536	12	prices	price	NOUN
cjrl-2282	536	13	have	have	AUX
cjrl-2282	536	14	decreased	decrease	VERB
cjrl-2282	536	15	dramatically	dramatically	ADV
cjrl-2282	536	16	,	,	PUNCT
cjrl-2282	536	17	making	make	VERB
cjrl-2282	536	18	it	it	PRON
cjrl-2282	536	19	more	more	ADV
cjrl-2282	536	20	difficult	difficult	ADJ
cjrl-2282	536	21	for	for	SCONJ
cjrl-2282	536	22	consumers	consumer	NOUN
cjrl-2282	536	23	to	to	PART
cjrl-2282	536	24	recoup	recoup	VERB
cjrl-2282	536	25	the	the	DET
cjrl-2282	536	26	value	value	NOUN
cjrl-2282	536	27	of	of	ADP
cjrl-2282	536	28	their	their	PRON
cjrl-2282	536	29	home	home	NOUN
cjrl-2282	536	30	or	or	CCONJ
cjrl-2282	536	31	to	to	PART
cjrl-2282	536	32	maintain	maintain	VERB
cjrl-2282	536	33	the	the	DET
cjrl-2282	536	34	ratio	ratio	NOUN
cjrl-2282	536	35	of	of	ADP
cjrl-2282	536	36	loan	loan	NOUN
cjrl-2282	536	37	to	to	ADP
cjrl-2282	536	38	equity	equity	NOUN
cjrl-2282	536	39	that	that	SCONJ
cjrl-2282	536	40	the	the	DET
cjrl-2282	536	41	loan	loan	NOUN
cjrl-2282	536	42	agreement	agreement	NOUN
cjrl-2282	536	43	may	may	AUX
cjrl-2282	536	44	require.137	require.137	VERB
cjrl-2282	536	45	banks	bank	NOUN
cjrl-2282	536	46	are	be	AUX
cjrl-2282	536	47	aggressive	aggressive	ADJ
cjrl-2282	536	48	about	about	ADP
cjrl-2282	536	49	protecting	protect	VERB
cjrl-2282	536	50	themselves	themselves	PRON
cjrl-2282	536	51	against	against	ADP
cjrl-2282	536	52	the	the	DET
cjrl-2282	536	53	risks	risk	NOUN
cjrl-2282	536	54	associated	associate	VERB
cjrl-2282	536	55	with	with	ADP
cjrl-2282	536	56	helocs	heloc	NOUN
cjrl-2282	536	57	.	.	PUNCT
cjrl-2282	537	1	during	during	ADP
cjrl-2282	537	2	the	the	DET
cjrl-2282	537	3	2008	2008	NUM
cjrl-2282	537	4	housing	housing	NOUN
cjrl-2282	537	5	bubble	bubble	NOUN
cjrl-2282	537	6	,	,	PUNCT
cjrl-2282	537	7	as	as	SCONJ
cjrl-2282	537	8	home	home	NOUN
cjrl-2282	537	9	prices	price	NOUN
cjrl-2282	537	10	fell	fall	VERB
cjrl-2282	537	11	and	and	CCONJ
cjrl-2282	537	12	home	home	NOUN
cjrl-2282	537	13	equity	equity	NOUN
cjrl-2282	537	14	levels	level	NOUN
cjrl-2282	537	15	declined	decline	VERB
cjrl-2282	537	16	,	,	PUNCT
cjrl-2282	537	17	many	many	ADJ
cjrl-2282	537	18	banks	bank	NOUN
cjrl-2282	537	19	froze	freeze	VERB
cjrl-2282	537	20	or	or	CCONJ
cjrl-2282	537	21	reduced	reduce	VERB
cjrl-2282	537	22	their	their	PRON
cjrl-2282	537	23	heloc	heloc	NOUN
cjrl-2282	537	24	lines.138	lines.138	PROPN
cjrl-2282	537	25	this	this	PRON
cjrl-2282	537	26	means	mean	VERB
cjrl-2282	537	27	that	that	SCONJ
cjrl-2282	537	28	consumers	consumer	NOUN
cjrl-2282	537	29	who	who	PRON
cjrl-2282	537	30	depended	depend	VERB
cjrl-2282	537	31	on	on	ADP
cjrl-2282	537	32	helocs	heloc	NOUN
cjrl-2282	537	33	as	as	SCONJ
cjrl-2282	537	34	ax	ax	NOUN
cjrl-2282	537	35	cash	cash	NOUN
cjrl-2282	537	36	management	management	NOUN
cjrl-2282	537	37	strategy	strategy	NOUN
cjrl-2282	537	38	may	may	AUX
cjrl-2282	537	39	now	now	ADV
cjrl-2282	537	40	need	need	VERB
cjrl-2282	537	41	to	to	PART
cjrl-2282	537	42	look	look	VERB
cjrl-2282	537	43	elsewhere	elsewhere	ADV
cjrl-2282	537	44	.	.	PUNCT
cjrl-2282	538	1	in	in	ADP
cjrl-2282	538	2	addition	addition	NOUN
cjrl-2282	538	3	,	,	PUNCT
cjrl-2282	538	4	defaulting	default	VERB
cjrl-2282	538	5	on	on	ADP
cjrl-2282	538	6	a	a	DET
cjrl-2282	538	7	heloc	heloc	NOUN
cjrl-2282	538	8	brings	bring	VERB
cjrl-2282	538	9	with	with	ADP
cjrl-2282	538	10	it	it	PRON
cjrl-2282	538	11	the	the	DET
cjrl-2282	538	12	very	very	ADV
cjrl-2282	538	13	real	real	ADJ
cjrl-2282	538	14	likelihood	likelihood	NOUN
cjrl-2282	538	15	that	that	SCONJ
cjrl-2282	538	16	the	the	DET
cjrl-2282	538	17	consumer	consumer	NOUN
cjrl-2282	538	18	’s	’s	PART
cjrl-2282	538	19	home	home	NOUN
cjrl-2282	538	20	will	will	AUX
cjrl-2282	538	21	be	be	AUX
cjrl-2282	538	22	foreclosed	foreclose	VERB
cjrl-2282	538	23	upon.139	upon.139	ADJ
cjrl-2282	538	24	for	for	ADP
cjrl-2282	538	25	these	these	DET
cjrl-2282	538	26	reasons	reason	NOUN
cjrl-2282	538	27	,	,	PUNCT
cjrl-2282	538	28	helocs	heloc	NOUN
cjrl-2282	538	29	are	be	AUX
cjrl-2282	538	30	not	not	PART
cjrl-2282	538	31	advisable	advisable	ADJ
cjrl-2282	538	32	as	as	ADP
cjrl-2282	538	33	a	a	DET
cjrl-2282	538	34	short	short	ADJ
cjrl-2282	538	35	-	-	PUNCT
cjrl-2282	538	36	term	term	NOUN
cjrl-2282	538	37	cash	cash	NOUN
cjrl-2282	538	38	management	management	NOUN
cjrl-2282	538	39	strategy	strategy	NOUN
cjrl-2282	538	40	for	for	ADP
cjrl-2282	538	41	consumers	consumer	NOUN
cjrl-2282	538	42	looking	look	VERB
cjrl-2282	538	43	for	for	ADP
cjrl-2282	538	44	a	a	DET
cjrl-2282	538	45	replacement	replacement	NOUN
cjrl-2282	538	46	for	for	ADP
cjrl-2282	538	47	the	the	DET
cjrl-2282	538	48	float	float	NOUN
cjrl-2282	538	49	that	that	PRON
cjrl-2282	538	50	was	be	AUX
cjrl-2282	538	51	built	build	VERB
cjrl-2282	538	52	into	into	ADP
cjrl-2282	538	53	the	the	DET
cjrl-2282	538	54	pre	pre	NOUN
cjrl-2282	538	55	-	-	ADJ
cjrl-2282	538	56	reform	reform	ADJ
cjrl-2282	538	57	check	check	NOUN
cjrl-2282	538	58	clearing	clearing	NOUN
cjrl-2282	538	59	.	.	PUNCT
cjrl-2282	539	1	finding	find	VERB
cjrl-2282	539	2	themselves	themselves	PRON
cjrl-2282	539	3	squeezed	squeeze	VERB
cjrl-2282	539	4	on	on	ADP
cjrl-2282	539	5	all	all	DET
cjrl-2282	539	6	sides	side	NOUN
cjrl-2282	539	7	,	,	PUNCT
cjrl-2282	539	8	some	some	DET
cjrl-2282	539	9	consumers	consumer	NOUN
cjrl-2282	539	10	are	be	AUX
cjrl-2282	539	11	imbibing	imbibe	VERB
cjrl-2282	539	12	a	a	DET
cjrl-2282	539	13	mixture	mixture	NOUN
cjrl-2282	539	14	that	that	PRON
cjrl-2282	539	15	combines	combine	VERB
cjrl-2282	539	16	a	a	DET
cjrl-2282	539	17	heloc	heloc	NOUN
cjrl-2282	539	18	,	,	PUNCT
cjrl-2282	539	19	credit	credit	NOUN
cjrl-2282	539	20	cards	card	NOUN
cjrl-2282	539	21	,	,	PUNCT
cjrl-2282	539	22	and	and	CCONJ
cjrl-2282	539	23	payday	payday	NOUN
cjrl-2282	539	24	loans	loan	NOUN
cjrl-2282	539	25	.	.	PUNCT
cjrl-2282	540	1	to	to	PART
cjrl-2282	540	2	say	say	VERB
cjrl-2282	540	3	that	that	SCONJ
cjrl-2282	540	4	this	this	PRON
cjrl-2282	540	5	is	be	AUX
cjrl-2282	540	6	a	a	DET
cjrl-2282	540	7	potentially	potentially	ADV
cjrl-2282	540	8	lethal	lethal	ADJ
cjrl-2282	540	9	financial	financial	ADJ
cjrl-2282	540	10	cocktail	cocktail	NOUN
cjrl-2282	540	11	for	for	ADP
cjrl-2282	540	12	the	the	DET
cjrl-2282	540	13	unsophisticated	unsophisticated	ADJ
cjrl-2282	540	14	population	population	NOUN
cjrl-2282	540	15	of	of	ADP
cjrl-2282	540	16	working	work	VERB
cjrl-2282	540	17	poor	poor	ADJ
cjrl-2282	540	18	is	be	AUX
cjrl-2282	540	19	an	an	DET
cjrl-2282	540	20	alarming	alarming	ADJ
cjrl-2282	540	21	understatement	understatement	NOUN
cjrl-2282	540	22	.	.	PUNCT
cjrl-2282	541	1	v.	v.	ADP
cjrl-2282	541	2	two	two	NUM
cjrl-2282	541	3	recommendations	recommendation	NOUN
cjrl-2282	541	4	a.	a.	NOUN
cjrl-2282	541	5	the	the	DET
cjrl-2282	541	6	statutory	statutory	ADJ
cjrl-2282	541	7	definitions	definition	NOUN
cjrl-2282	541	8	of	of	ADP
cjrl-2282	541	9	“	"	PUNCT
cjrl-2282	541	10	check	check	NOUN
cjrl-2282	541	11	”	"	PUNCT
cjrl-2282	541	12	under	under	ADP
cjrl-2282	541	13	both	both	CCONJ
cjrl-2282	541	14	the	the	DET
cjrl-2282	541	15	u.c.c	u.c.c	NOUN
cjrl-2282	541	16	.	.	PUNCT
cjrl-2282	542	1	and	and	CCONJ
cjrl-2282	542	2	regulation	regulation	NOUN
cjrl-2282	542	3	cc	cc	NOUN
cjrl-2282	542	4	should	should	AUX
cjrl-2282	542	5	be	be	AUX
cjrl-2282	542	6	amended	amend	VERB
cjrl-2282	542	7	to	to	PART
cjrl-2282	542	8	remove	remove	VERB
cjrl-2282	542	9	the	the	DET
cjrl-2282	542	10	requirement	requirement	NOUN
cjrl-2282	542	11	that	that	SCONJ
cjrl-2282	542	12	they	they	PRON
cjrl-2282	542	13	are	be	AUX
cjrl-2282	542	14	payable	payable	ADJ
cjrl-2282	542	15	on	on	ADP
cjrl-2282	542	16	“	"	PUNCT
cjrl-2282	542	17	demand	demand	NOUN
cjrl-2282	542	18	”	"	PUNCT
cjrl-2282	542	19	the	the	DET
cjrl-2282	542	20	first	first	ADJ
cjrl-2282	542	21	recommendation	recommendation	NOUN
cjrl-2282	542	22	is	be	AUX
cjrl-2282	542	23	for	for	ADP
cjrl-2282	542	24	both	both	CCONJ
cjrl-2282	542	25	the	the	DET
cjrl-2282	542	26	re	re	NOUN
cjrl-2282	542	27	-	-	NOUN
cjrl-2282	542	28	drafters	drafter	NOUN
cjrl-2282	542	29	of	of	ADP
cjrl-2282	542	30	the	the	DET
cjrl-2282	542	31	u.c.c	u.c.c	NOUN
cjrl-2282	542	32	.	.	PUNCT
cjrl-2282	543	1	and	and	CCONJ
cjrl-2282	543	2	congress	congress	PROPN
cjrl-2282	543	3	to	to	PART
cjrl-2282	543	4	change	change	VERB
cjrl-2282	543	5	the	the	DET
cjrl-2282	543	6	definition	definition	NOUN
cjrl-2282	543	7	of	of	ADP
cjrl-2282	543	8	“	"	PUNCT
cjrl-2282	543	9	check	check	NOUN
cjrl-2282	543	10	”	"	PUNCT
cjrl-2282	543	11	to	to	PART
cjrl-2282	543	12	include	include	VERB
cjrl-2282	543	13	drafts	draft	NOUN
cjrl-2282	543	14	drawn	draw	VERB
cjrl-2282	543	15	on	on	ADP
cjrl-2282	543	16	banks	bank	NOUN
cjrl-2282	543	17	that	that	PRON
cjrl-2282	543	18	are	be	AUX
cjrl-2282	543	19	either	either	PRON
cjrl-2282	543	20	time	time	NOUN
cjrl-2282	543	21	instruments	instrument	NOUN
cjrl-2282	543	22	or	or	CCONJ
cjrl-2282	543	23	instruments	instrument	NOUN
cjrl-2282	543	24	that	that	PRON
cjrl-2282	543	25	are	be	AUX
cjrl-2282	543	26	payable	payable	ADJ
cjrl-2282	543	27	on	on	ADP
cjrl-2282	543	28	demand	demand	NOUN
cjrl-2282	543	29	.	.	PUNCT
cjrl-2282	544	1	as	as	ADP
cjrl-2282	544	2	a	a	DET
cjrl-2282	544	3	result	result	NOUN
cjrl-2282	544	4	,	,	PUNCT
cjrl-2282	544	5	checking	check	VERB
cjrl-2282	544	6	account	account	NOUN
cjrl-2282	544	7	customers	customer	NOUN
cjrl-2282	544	8	would	would	AUX
cjrl-2282	544	9	have	have	AUX
cjrl-2282	544	10	the	the	DET
cjrl-2282	544	11	option	option	NOUN
cjrl-2282	544	12	of	of	ADP
cjrl-2282	544	13	issuing	issue	VERB
cjrl-2282	544	14	checks	check	NOUN
cjrl-2282	544	15	with	with	ADP
cjrl-2282	544	16	short	short	ADJ
cjrl-2282	544	17	-	-	PUNCT
cjrl-2282	544	18	term	term	NOUN
cjrl-2282	544	19	future	future	NOUN
cjrl-2282	544	20	due	due	ADJ
cjrl-2282	544	21	dates140	dates140	PROPN
cjrl-2282	544	22	in	in	ADP
cjrl-2282	544	23	addition	addition	NOUN
cjrl-2282	544	24	to	to	ADP
cjrl-2282	544	25	traditional	traditional	ADJ
cjrl-2282	544	26	bank	bank	NOUN
cjrl-2282	544	27	drafts	draft	NOUN
cjrl-2282	544	28	that	that	PRON
cjrl-2282	544	29	are	be	AUX
cjrl-2282	544	30	payable	payable	ADJ
cjrl-2282	544	31	on	on	ADP
cjrl-2282	544	32	demand.141	demand.141	ADP
cjrl-2282	544	33	the	the	DET
cjrl-2282	544	34	benefit	benefit	NOUN
cjrl-2282	544	35	to	to	ADP
cjrl-2282	544	36	bank	bank	NOUN
cjrl-2282	544	37	customers	customer	NOUN
cjrl-2282	544	38	who	who	PRON
cjrl-2282	544	39	use	use	VERB
cjrl-2282	544	40	short	short	ADJ
cjrl-2282	544	41	-	-	PUNCT
cjrl-2282	544	42	term	term	NOUN
cjrl-2282	544	43	time	time	NOUN
cjrl-2282	544	44	drafts	draft	NOUN
cjrl-2282	544	45	instead	instead	ADV
cjrl-2282	544	46	of	of	ADP
cjrl-2282	544	47	those	those	PRON
cjrl-2282	544	48	that	that	PRON
cjrl-2282	544	49	are	be	AUX
cjrl-2282	544	50	payable	payable	ADJ
cjrl-2282	544	51	on	on	ADP
cjrl-2282	544	52	demand	demand	NOUN
cjrl-2282	544	53	would	would	AUX
cjrl-2282	544	54	be	be	AUX
cjrl-2282	544	55	that	that	SCONJ
cjrl-2282	544	56	they	they	PRON
cjrl-2282	544	57	would	would	AUX
cjrl-2282	544	58	have	have	VERB
cjrl-2282	544	59	control	control	NOUN
cjrl-2282	544	60	over	over	ADP
cjrl-2282	544	61	the	the	DET
cjrl-2282	544	62	date	date	NOUN
cjrl-2282	544	63	on	on	ADP
cjrl-2282	544	64	which	which	PRON
cjrl-2282	544	65	the	the	DET
cjrl-2282	544	66	bank	bank	NOUN
cjrl-2282	544	67	would	would	AUX
cjrl-2282	544	68	debit	debit	VERB
cjrl-2282	544	69	134	134	NUM
cjrl-2282	544	70	i	i	PROPN
cjrl-2282	544	71	d.	d.	PROPN
cjrl-2282	544	72	135	135	NUM
cjrl-2282	545	1	i	i	PRON
cjrl-2282	545	2	d.	d.	PROPN
cjrl-2282	545	3	136	136	NUM
cjrl-2282	546	1	i	i	PRON
cjrl-2282	546	2	d.	d.	PROPN
cjrl-2282	546	3	137	137	NUM
cjrl-2282	547	1	i	i	PROPN
cjrl-2282	547	2	d.	d.	PROPN
cjrl-2282	547	3	138	138	NUM
cjrl-2282	547	4	carolyn	carolyn	PROPN
cjrl-2282	547	5	bigda	bigda	NOUN
cjrl-2282	547	6	,	,	PUNCT
cjrl-2282	547	7	when	when	SCONJ
cjrl-2282	547	8	heloc	heloc	PROPN
cjrl-2282	547	9	freezes	freeze	VERB
cjrl-2282	547	10	over	over	ADP
cjrl-2282	547	11	,	,	PUNCT
cjrl-2282	547	12	cnn	cnn	PROPN
cjrl-2282	547	13	,	,	PUNCT
cjrl-2282	547	14	http://money.cnn.com/2008/04/18/real_estate/heloc_freeze.moneymag/index.htm	http://money.cnn.com/2008/04/18/real_estate/heloc_freeze.moneymag/index.htm	PUNCT
cjrl-2282	547	15	(	(	PUNCT
cjrl-2282	547	16	last	last	ADJ
cjrl-2282	547	17	visited	visit	VERB
cjrl-2282	547	18	oct	oct	PROPN
cjrl-2282	547	19	.	.	PROPN
cjrl-2282	547	20	21	21	NUM
cjrl-2282	547	21	,	,	PUNCT
cjrl-2282	547	22	2012	2012	NUM
cjrl-2282	547	23	)	)	PUNCT
cjrl-2282	547	24	.	.	PUNCT
cjrl-2282	548	1	139	139	NUM
cjrl-2282	548	2	eisenson	eisenson	PROPN
cjrl-2282	548	3	&	&	CCONJ
cjrl-2282	548	4	castleman	castleman	PROPN
cjrl-2282	548	5	,	,	PUNCT
cjrl-2282	548	6	supra	supra	PROPN
cjrl-2282	548	7	note	note	NOUN
cjrl-2282	548	8	131	131	NUM
cjrl-2282	548	9	.	.	NOUN
cjrl-2282	548	10	140	140	NUM
cjrl-2282	548	11	to	to	PART
cjrl-2282	548	12	be	be	AUX
cjrl-2282	548	13	clear	clear	ADJ
cjrl-2282	548	14	,	,	PUNCT
cjrl-2282	548	15	this	this	DET
cjrl-2282	548	16	article	article	NOUN
cjrl-2282	548	17	refers	refer	VERB
cjrl-2282	548	18	to	to	ADP
cjrl-2282	548	19	“	"	PUNCT
cjrl-2282	548	20	short	short	ADJ
cjrl-2282	548	21	term	term	NOUN
cjrl-2282	548	22	”	"	PUNCT
cjrl-2282	548	23	due	due	ADJ
cjrl-2282	548	24	dates	date	NOUN
cjrl-2282	548	25	in	in	ADP
cjrl-2282	548	26	its	its	PRON
cjrl-2282	548	27	recommendations	recommendation	NOUN
cjrl-2282	548	28	because	because	SCONJ
cjrl-2282	548	29	its	its	PRON
cjrl-2282	548	30	goal	goal	NOUN
cjrl-2282	548	31	is	be	AUX
cjrl-2282	548	32	to	to	PART
cjrl-2282	548	33	replace	replace	VERB
cjrl-2282	548	34	check	check	NOUN
cjrl-2282	548	35	float	float	NOUN
cjrl-2282	548	36	and	and	CCONJ
cjrl-2282	548	37	the	the	DET
cjrl-2282	548	38	corresponding	corresponding	ADJ
cjrl-2282	548	39	self	self	NOUN
cjrl-2282	548	40	-	-	PUNCT
cjrl-2282	548	41	help	help	NOUN
cjrl-2282	548	42	solutions	solution	NOUN
cjrl-2282	548	43	which	which	PRON
cjrl-2282	548	44	consumers	consumer	NOUN
cjrl-2282	548	45	lost	lose	VERB
cjrl-2282	548	46	after	after	ADP
cjrl-2282	548	47	the	the	DET
cjrl-2282	548	48	implementation	implementation	NOUN
cjrl-2282	548	49	of	of	ADP
cjrl-2282	548	50	the	the	DET
cjrl-2282	548	51	federal	federal	ADJ
cjrl-2282	548	52	regulations	regulation	NOUN
cjrl-2282	548	53	.	.	PUNCT
cjrl-2282	549	1	it	it	PRON
cjrl-2282	549	2	is	be	AUX
cjrl-2282	549	3	entirely	entirely	ADV
cjrl-2282	549	4	possible	possible	ADJ
cjrl-2282	549	5	,	,	PUNCT
cjrl-2282	549	6	however	however	ADV
cjrl-2282	549	7	,	,	PUNCT
cjrl-2282	549	8	that	that	SCONJ
cjrl-2282	549	9	under	under	ADP
cjrl-2282	549	10	the	the	DET
cjrl-2282	549	11	new	new	ADJ
cjrl-2282	549	12	definition	definition	NOUN
cjrl-2282	549	13	that	that	SCONJ
cjrl-2282	549	14	this	this	DET
cjrl-2282	549	15	article	article	NOUN
cjrl-2282	549	16	advocates	advocate	VERB
cjrl-2282	549	17	for	for	ADP
cjrl-2282	549	18	,	,	PUNCT
cjrl-2282	549	19	parties	party	NOUN
cjrl-2282	549	20	to	to	ADP
cjrl-2282	549	21	checks	check	NOUN
cjrl-2282	549	22	would	would	AUX
cjrl-2282	549	23	be	be	AUX
cjrl-2282	549	24	able	able	ADJ
cjrl-2282	549	25	to	to	PART
cjrl-2282	549	26	agree	agree	VERB
cjrl-2282	549	27	to	to	ADP
cjrl-2282	549	28	dates	date	NOUN
cjrl-2282	549	29	that	that	PRON
cjrl-2282	549	30	are	be	AUX
cjrl-2282	549	31	either	either	CCONJ
cjrl-2282	549	32	short	short	ADJ
cjrl-2282	549	33	-	-	PUNCT
cjrl-2282	549	34	term	term	NOUN
cjrl-2282	549	35	or	or	CCONJ
cjrl-2282	549	36	long	long	ADJ
cjrl-2282	549	37	-	-	PUNCT
cjrl-2282	549	38	term	term	NOUN
cjrl-2282	549	39	.	.	PUNCT
cjrl-2282	550	1	141	141	NUM
cjrl-2282	550	2	delayed	delay	VERB
cjrl-2282	550	3	debit	debit	NOUN
cjrl-2282	550	4	cards	card	NOUN
cjrl-2282	550	5	have	have	AUX
cjrl-2282	550	6	existed	exist	VERB
cjrl-2282	550	7	in	in	ADP
cjrl-2282	550	8	europe	europe	PROPN
cjrl-2282	550	9	as	as	ADV
cjrl-2282	550	10	well	well	ADV
cjrl-2282	550	11	.	.	PUNCT
cjrl-2282	551	1	many	many	ADJ
cjrl-2282	551	2	european	european	ADJ
cjrl-2282	551	3	countries	country	NOUN
cjrl-2282	551	4	have	have	VERB
cjrl-2282	551	5	credit	credit	NOUN
cjrl-2282	551	6	cards	card	NOUN
cjrl-2282	551	7	that	that	PRON
cjrl-2282	551	8	are	be	AUX
cjrl-2282	551	9	linked	link	VERB
cjrl-2282	551	10	to	to	ADP
cjrl-2282	551	11	bank	bank	NOUN
cjrl-2282	551	12	accounts	account	NOUN
cjrl-2282	551	13	.	.	PUNCT
cjrl-2282	552	1	outstanding	outstanding	ADJ
cjrl-2282	552	2	balances	balance	NOUN
cjrl-2282	552	3	would	would	AUX
cjrl-2282	552	4	be	be	AUX
cjrl-2282	552	5	paid	pay	VERB
cjrl-2282	552	6	off	off	ADP
cjrl-2282	552	7	in	in	ADP
cjrl-2282	552	8	full	full	ADJ
cjrl-2282	552	9	at	at	ADP
cjrl-2282	552	10	the	the	DET
cjrl-2282	552	11	end	end	NOUN
cjrl-2282	552	12	of	of	ADP
cjrl-2282	552	13	the	the	DET
cjrl-2282	552	14	month	month	NOUN
cjrl-2282	552	15	from	from	ADP
cjrl-2282	552	16	that	that	DET
cjrl-2282	552	17	account	account	NOUN
cjrl-2282	552	18	.	.	PUNCT
cjrl-2282	553	1	this	this	DET
cjrl-2282	553	2	type	type	NOUN
cjrl-2282	553	3	of	of	ADP
cjrl-2282	553	4	activity	activity	NOUN
cjrl-2282	553	5	is	be	AUX
cjrl-2282	553	6	now	now	ADV
cjrl-2282	553	7	much	much	ADV
cjrl-2282	553	8	less	less	ADV
cjrl-2282	553	9	common	common	ADJ
cjrl-2282	553	10	.	.	PUNCT
cjrl-2282	554	1	finland	finland	PROPN
cjrl-2282	554	2	,	,	PUNCT
cjrl-2282	554	3	for	for	ADP
cjrl-2282	554	4	example	example	NOUN
cjrl-2282	554	5	,	,	PUNCT
cjrl-2282	554	6	used	use	VERB
cjrl-2282	554	7	visa	visa	NOUN
cjrl-2282	554	8	cards	card	NOUN
cjrl-2282	554	9	solely	solely	ADV
cjrl-2282	554	10	as	as	ADP
cjrl-2282	554	11	delayed	delay	VERB
cjrl-2282	554	12	debit	debit	NOUN
cjrl-2282	554	13	cards	card	NOUN
cjrl-2282	554	14	until	until	ADP
cjrl-2282	554	15	2001	2001	NUM
cjrl-2282	554	16	.	.	PUNCT
cjrl-2282	555	1	however	however	ADV
cjrl-2282	555	2	,	,	PUNCT
cjrl-2282	555	3	visa	visa	NOUN
cjrl-2282	555	4	customers	customer	NOUN
cjrl-2282	555	5	can	can	AUX
cjrl-2282	555	6	now	now	ADV
cjrl-2282	555	7	use	use	VERB
cjrl-2282	555	8	the	the	DET
cjrl-2282	555	9	cards	card	NOUN
cjrl-2282	555	10	as	as	ADP
cjrl-2282	555	11	normal	normal	ADJ
cjrl-2282	555	12	credit	credit	NOUN
cjrl-2282	555	13	cards	card	NOUN
cjrl-2282	555	14	.	.	PUNCT
cjrl-2282	556	1	see	see	VERB
cjrl-2282	556	2	john	john	PROPN
cjrl-2282	556	3	kelly	kelly	PROPN
cjrl-2282	556	4	&	&	CCONJ
cjrl-2282	556	5	aisling	aisling	PROPN
cjrl-2282	556	6	reilly	reilly	ADV
cjrl-2282	556	7	,	,	PUNCT
cjrl-2282	556	8	credit	credit	NOUN
cjrl-2282	556	9	card	card	NOUN
cjrl-2282	556	10	debt	debt	NOUN
cjrl-2282	556	11	in	in	ADP
cjrl-2282	556	12	ireland	ireland	NOUN
cjrl-2282	556	13	:	:	PUNCT
cjrl-2282	556	14	recent	recent	ADJ
cjrl-2282	556	15	trends	trend	NOUN
cjrl-2282	556	16	1	1	NUM
cjrl-2282	556	17	(	(	PUNCT
cjrl-2282	556	18	2005	2005	NUM
cjrl-2282	556	19	)	)	PUNCT
cjrl-2282	556	20	;	;	PUNCT
cjrl-2282	556	21	president	president	PROPN
cjrl-2282	556	22	bush	bush	PROPN
cjrl-2282	556	23	stated	state	VERB
cjrl-2282	556	24	that	that	SCONJ
cjrl-2282	556	25	“	"	PUNCT
cjrl-2282	556	26	[	[	X
cjrl-2282	556	27	o]nce	o]nce	NOUN
cjrl-2282	556	28	this	this	DET
cjrl-2282	556	29	crisis	crisis	NOUN
cjrl-2282	556	30	is	be	AUX
cjrl-2282	556	31	resolved	resolve	VERB
cjrl-2282	556	32	,	,	PUNCT
cjrl-2282	556	33	there	there	PRON
cjrl-2282	556	34	will	will	AUX
cjrl-2282	556	35	be	be	AUX
cjrl-2282	556	36	time	time	NOUN
cjrl-2282	556	37	to	to	PART
cjrl-2282	556	38	update	update	VERB
cjrl-2282	556	39	our	our	PRON
cjrl-2282	556	40	financial	financial	ADJ
cjrl-2282	556	41	regulatory	regulatory	ADJ
cjrl-2282	556	42	structures	structure	NOUN
cjrl-2282	556	43	.	.	PUNCT
cjrl-2282	557	1	our	our	PRON
cjrl-2282	557	2	21st	21st	ADJ
cjrl-2282	557	3	century	century	NOUN
cjrl-2282	557	4	global	global	ADJ
cjrl-2282	557	5	economy	economy	NOUN
cjrl-2282	557	6	remains	remain	VERB
cjrl-2282	557	7	regulated	regulate	VERB
cjrl-2282	557	8	largely	largely	ADV
cjrl-2282	557	9	by	by	ADP
cjrl-2282	557	10	outdated	outdated	ADJ
cjrl-2282	557	11	20th	20th	ADJ
cjrl-2282	557	12	century	century	NOUN
cjrl-2282	557	13	laws	law	NOUN
cjrl-2282	557	14	.	.	PUNCT
cjrl-2282	557	15	”	"	PUNCT
cjrl-2282	558	1	eamonn	eamonn	PROPN
cjrl-2282	558	2	k.	k.	PROPN
cjrl-2282	558	3	moran	moran	PROPN
cjrl-2282	558	4	,	,	PUNCT
cjrl-2282	558	5	wall	wall	PROPN
cjrl-2282	558	6	street	street	PROPN
cjrl-2282	558	7	meets	meet	VERB
cjrl-2282	558	8	main	main	ADJ
cjrl-2282	558	9	street	street	NOUN
cjrl-2282	558	10	:	:	PUNCT
cjrl-2282	558	11	understanding	understand	VERB
cjrl-2282	558	12	the	the	DET
cjrl-2282	558	13	financial	financial	ADJ
cjrl-2282	558	14	crisis	crisis	NOUN
cjrl-2282	558	15	,	,	PUNCT
cjrl-2282	558	16	13	13	NUM
cjrl-2282	558	17	n.c	n.c	PROPN
cjrl-2282	558	18	.	.	PROPN
cjrl-2282	558	19	banking	banking	NOUN
cjrl-2282	558	20	inst	inst	PROPN
cjrl-2282	558	21	.	.	PROPN
cjrl-2282	559	1	5	5	NUM
cjrl-2282	559	2	,	,	PUNCT
cjrl-2282	559	3	57	57	NUM
cjrl-2282	559	4	(	(	PUNCT
cjrl-2282	559	5	2009	2009	NUM
cjrl-2282	559	6	)	)	PUNCT
cjrl-2282	559	7	.	.	PUNCT
cjrl-2282	560	1	96	96	NUM
cjrl-2282	560	2	checking	check	VERB
cjrl-2282	560	3	out	out	ADP
cjrl-2282	560	4	the	the	DET
cjrl-2282	560	5	exception	exception	NOUN
cjrl-2282	560	6	to	to	ADP
cjrl-2282	560	7	3	3	NUM
cjrl-2282	560	8	-	-	SYM
cjrl-2282	560	9	104	104	NUM
cjrl-2282	560	10	vol	vol	NOUN
cjrl-2282	560	11	.	.	PUNCT
cjrl-2282	560	12	3:1	3:1	NUM
cjrl-2282	561	1	their	their	PRON
cjrl-2282	561	2	accounts	account	NOUN
cjrl-2282	561	3	to	to	PART
cjrl-2282	561	4	pay	pay	VERB
cjrl-2282	561	5	checks	check	NOUN
cjrl-2282	561	6	that	that	PRON
cjrl-2282	561	7	are	be	AUX
cjrl-2282	561	8	deposited	deposit	VERB
cjrl-2282	561	9	when	when	SCONJ
cjrl-2282	561	10	issued	issue	VERB
cjrl-2282	561	11	but	but	CCONJ
cjrl-2282	561	12	prior	prior	ADV
cjrl-2282	561	13	to	to	ADP
cjrl-2282	561	14	the	the	DET
cjrl-2282	561	15	date	date	NOUN
cjrl-2282	561	16	when	when	SCONJ
cjrl-2282	561	17	they	they	PRON
cjrl-2282	561	18	are	be	AUX
cjrl-2282	561	19	payable	payable	ADJ
cjrl-2282	561	20	.	.	PUNCT
cjrl-2282	562	1	this	this	PRON
cjrl-2282	562	2	would	would	AUX
cjrl-2282	562	3	give	give	VERB
cjrl-2282	562	4	parties	party	NOUN
cjrl-2282	562	5	to	to	PART
cjrl-2282	562	6	checks	check	NOUN
cjrl-2282	562	7	control	control	NOUN
cjrl-2282	562	8	over	over	ADP
cjrl-2282	562	9	the	the	DET
cjrl-2282	562	10	timing	timing	NOUN
cjrl-2282	562	11	of	of	ADP
cjrl-2282	562	12	the	the	DET
cjrl-2282	562	13	payment	payment	NOUN
cjrl-2282	562	14	of	of	ADP
cjrl-2282	562	15	the	the	DET
cjrl-2282	562	16	checks	check	NOUN
cjrl-2282	562	17	in	in	ADP
cjrl-2282	562	18	the	the	DET
cjrl-2282	562	19	cases	case	NOUN
cjrl-2282	562	20	where	where	SCONJ
cjrl-2282	562	21	their	their	PRON
cjrl-2282	562	22	checks	check	NOUN
cjrl-2282	562	23	are	be	AUX
cjrl-2282	562	24	issued	issue	VERB
cjrl-2282	562	25	with	with	ADP
cjrl-2282	562	26	due	due	ADJ
cjrl-2282	562	27	dates	date	NOUN
cjrl-2282	562	28	;	;	PUNCT
cjrl-2282	562	29	and	and	CCONJ
cjrl-2282	562	30	once	once	ADV
cjrl-2282	562	31	again	again	ADV
cjrl-2282	562	32	allow	allow	VERB
cjrl-2282	562	33	them	they	PRON
cjrl-2282	562	34	to	to	PART
cjrl-2282	562	35	issue	issue	VERB
cjrl-2282	562	36	checks	check	NOUN
cjrl-2282	562	37	that	that	PRON
cjrl-2282	562	38	would	would	AUX
cjrl-2282	562	39	not	not	PART
cjrl-2282	562	40	be	be	AUX
cjrl-2282	562	41	paid	pay	VERB
cjrl-2282	562	42	immediately	immediately	ADV
cjrl-2282	562	43	.	.	PUNCT
cjrl-2282	563	1	this	this	PRON
cjrl-2282	563	2	is	be	AUX
cjrl-2282	563	3	better	well	ADJ
cjrl-2282	563	4	because	because	SCONJ
cjrl-2282	563	5	it	it	PRON
cjrl-2282	563	6	opens	open	VERB
cjrl-2282	563	7	the	the	DET
cjrl-2282	563	8	opportunity	opportunity	NOUN
cjrl-2282	563	9	to	to	PART
cjrl-2282	563	10	allow	allow	VERB
cjrl-2282	563	11	checking	check	VERB
cjrl-2282	563	12	account	account	NOUN
cjrl-2282	563	13	customers	customer	NOUN
cjrl-2282	563	14	to	to	PART
cjrl-2282	563	15	bargain	bargain	VERB
cjrl-2282	563	16	for	for	ADP
cjrl-2282	563	17	the	the	DET
cjrl-2282	563	18	same	same	ADJ
cjrl-2282	563	19	amount	amount	NOUN
cjrl-2282	563	20	of	of	ADP
cjrl-2282	563	21	time	time	NOUN
cjrl-2282	563	22	that	that	PRON
cjrl-2282	563	23	they	they	PRON
cjrl-2282	563	24	once	once	ADV
cjrl-2282	563	25	had	have	VERB
cjrl-2282	563	26	,	,	PUNCT
cjrl-2282	563	27	with	with	SCONJ
cjrl-2282	563	28	fingers	finger	NOUN
cjrl-2282	563	29	firmly	firmly	ADV
cjrl-2282	563	30	crossed	cross	VERB
cjrl-2282	563	31	,	,	PUNCT
cjrl-2282	563	32	under	under	ADP
cjrl-2282	563	33	the	the	DET
cjrl-2282	563	34	old	old	ADJ
cjrl-2282	563	35	,	,	PUNCT
cjrl-2282	563	36	pre	pre	ADJ
cjrl-2282	563	37	-	-	NOUN
cjrl-2282	563	38	reform	reform	ADJ
cjrl-2282	563	39	,	,	PUNCT
cjrl-2282	563	40	slow	slow	ADJ
cjrl-2282	563	41	check	check	NOUN
cjrl-2282	563	42	collection	collection	NOUN
cjrl-2282	563	43	timing	timing	NOUN
cjrl-2282	563	44	rules	rule	NOUN
cjrl-2282	563	45	.	.	PUNCT
cjrl-2282	564	1	i	i	PRON
cjrl-2282	564	2	believe	believe	VERB
cjrl-2282	564	3	that	that	SCONJ
cjrl-2282	564	4	having	have	VERB
cjrl-2282	564	5	this	this	DET
cjrl-2282	564	6	option	option	NOUN
cjrl-2282	564	7	would	would	AUX
cjrl-2282	564	8	appeal	appeal	VERB
cjrl-2282	564	9	to	to	ADP
cjrl-2282	564	10	most	most	ADV
cjrl-2282	564	11	checking	check	VERB
cjrl-2282	564	12	account	account	NOUN
cjrl-2282	564	13	customers	customer	NOUN
cjrl-2282	564	14	,	,	PUNCT
cjrl-2282	564	15	especially	especially	ADV
cjrl-2282	564	16	the	the	DET
cjrl-2282	564	17	working	work	VERB
cjrl-2282	564	18	poor	poor	ADJ
cjrl-2282	564	19	.	.	PUNCT
cjrl-2282	565	1	my	my	PRON
cjrl-2282	565	2	preliminary	preliminary	ADJ
cjrl-2282	565	3	research	research	NOUN
cjrl-2282	565	4	reveals	reveal	VERB
cjrl-2282	565	5	that	that	SCONJ
cjrl-2282	565	6	this	this	DET
cjrl-2282	565	7	recommendation	recommendation	NOUN
cjrl-2282	565	8	has	have	VERB
cjrl-2282	565	9	great	great	ADJ
cjrl-2282	565	10	appeal	appeal	NOUN
cjrl-2282	565	11	to	to	ADP
cjrl-2282	565	12	another	another	DET
cjrl-2282	565	13	important	important	ADJ
cjrl-2282	565	14	group	group	NOUN
cjrl-2282	565	15	of	of	ADP
cjrl-2282	565	16	users	user	NOUN
cjrl-2282	565	17	of	of	ADP
cjrl-2282	565	18	checks	check	NOUN
cjrl-2282	565	19	—	—	PUNCT
cjrl-2282	565	20	business	business	NOUN
cjrl-2282	565	21	owners	owner	NOUN
cjrl-2282	565	22	.	.	PUNCT
cjrl-2282	566	1	this	this	DET
cjrl-2282	566	2	relatively	relatively	ADV
cjrl-2282	566	3	financially	financially	ADV
cjrl-2282	566	4	powerful	powerful	ADJ
cjrl-2282	566	5	constituency	constituency	NOUN
cjrl-2282	566	6	has	have	AUX
cjrl-2282	566	7	relied	rely	VERB
cjrl-2282	566	8	very	very	ADV
cjrl-2282	566	9	heavily	heavily	ADV
cjrl-2282	566	10	upon	upon	SCONJ
cjrl-2282	566	11	checks	check	NOUN
cjrl-2282	566	12	because	because	SCONJ
cjrl-2282	566	13	they	they	PRON
cjrl-2282	566	14	offer	offer	VERB
cjrl-2282	566	15	business	business	NOUN
cjrl-2282	566	16	owners	owner	NOUN
cjrl-2282	566	17	controls	control	NOUN
cjrl-2282	566	18	when	when	SCONJ
cjrl-2282	566	19	managing	manage	VERB
cjrl-2282	566	20	their	their	PRON
cjrl-2282	566	21	cash	cash	NOUN
cjrl-2282	566	22	needs	need	NOUN
cjrl-2282	566	23	,	,	PUNCT
cjrl-2282	566	24	working	working	NOUN
cjrl-2282	566	25	capital	capital	NOUN
cjrl-2282	566	26	,	,	PUNCT
cjrl-2282	566	27	and	and	CCONJ
cjrl-2282	566	28	record	record	NOUN
cjrl-2282	566	29	keeping	keeping	NOUN
cjrl-2282	566	30	.	.	PUNCT
cjrl-2282	567	1	b.	b.	PROPN
cjrl-2282	567	2	regulation	regulation	NOUN
cjrl-2282	567	3	cc	cc	PROPN
cjrl-2282	567	4	should	should	AUX
cjrl-2282	567	5	require	require	VERB
cjrl-2282	567	6	banks	bank	NOUN
cjrl-2282	567	7	to	to	PART
cjrl-2282	567	8	offer	offer	VERB
cjrl-2282	567	9	checking	check	VERB
cjrl-2282	567	10	customers	customer	NOUN
cjrl-2282	567	11	a	a	DET
cjrl-2282	567	12	new	new	ADJ
cjrl-2282	567	13	check	check	NOUN
cjrl-2282	567	14	with	with	ADP
cjrl-2282	567	15	a	a	DET
cjrl-2282	567	16	future	future	ADJ
cjrl-2282	567	17	due	due	ADJ
cjrl-2282	567	18	date	date	NOUN
cjrl-2282	567	19	and	and	CCONJ
cjrl-2282	567	20	that	that	PRON
cjrl-2282	567	21	can	can	AUX
cjrl-2282	567	22	be	be	AUX
cjrl-2282	567	23	deposited	deposit	VERB
cjrl-2282	567	24	when	when	SCONJ
cjrl-2282	567	25	issued	issue	VERB
cjrl-2282	567	26	but	but	CCONJ
cjrl-2282	567	27	not	not	PART
cjrl-2282	567	28	payable	payable	ADJ
cjrl-2282	567	29	until	until	SCONJ
cjrl-2282	567	30	due	due	ADJ
cjrl-2282	567	31	payday	payday	NOUN
cjrl-2282	567	32	loan	loan	NOUN
cjrl-2282	567	33	store	store	NOUN
cjrl-2282	567	34	operators	operator	NOUN
cjrl-2282	567	35	seem	seem	VERB
cjrl-2282	567	36	to	to	PART
cjrl-2282	567	37	recognize	recognize	VERB
cjrl-2282	567	38	that	that	SCONJ
cjrl-2282	567	39	consumers	consumer	NOUN
cjrl-2282	567	40	need	need	VERB
cjrl-2282	567	41	this	this	DET
cjrl-2282	567	42	option	option	NOUN
cjrl-2282	567	43	and	and	CCONJ
cjrl-2282	567	44	yet	yet	ADV
cjrl-2282	567	45	community	community	NOUN
cjrl-2282	567	46	and	and	CCONJ
cjrl-2282	567	47	commercial	commercial	ADJ
cjrl-2282	567	48	bankers	banker	NOUN
cjrl-2282	567	49	and	and	CCONJ
cjrl-2282	567	50	their	their	PRON
cjrl-2282	567	51	federal	federal	ADJ
cjrl-2282	567	52	regulators	regulator	NOUN
cjrl-2282	567	53	do	do	VERB
cjrl-2282	567	54	not	not	PART
cjrl-2282	567	55	.	.	PUNCT
cjrl-2282	568	1	therefore	therefore	ADV
cjrl-2282	568	2	,	,	PUNCT
cjrl-2282	568	3	my	my	PRON
cjrl-2282	568	4	second	second	ADJ
cjrl-2282	568	5	recommendation	recommendation	NOUN
cjrl-2282	568	6	is	be	AUX
cjrl-2282	568	7	for	for	ADP
cjrl-2282	568	8	regulation	regulation	NOUN
cjrl-2282	568	9	cc	cc	NOUN
cjrl-2282	568	10	to	to	PART
cjrl-2282	568	11	be	be	AUX
cjrl-2282	568	12	amended	amend	VERB
cjrl-2282	568	13	adding	add	VERB
cjrl-2282	568	14	a	a	DET
cjrl-2282	568	15	provision	provision	NOUN
cjrl-2282	568	16	requiring	require	VERB
cjrl-2282	568	17	the	the	DET
cjrl-2282	568	18	creation	creation	NOUN
cjrl-2282	568	19	of	of	ADP
cjrl-2282	568	20	a	a	DET
cjrl-2282	568	21	new	new	ADJ
cjrl-2282	568	22	bank	bank	NOUN
cjrl-2282	568	23	product	product	NOUN
cjrl-2282	568	24	in	in	ADP
cjrl-2282	568	25	the	the	DET
cjrl-2282	568	26	form	form	NOUN
cjrl-2282	568	27	of	of	ADP
cjrl-2282	568	28	a	a	DET
cjrl-2282	568	29	check	check	NOUN
cjrl-2282	568	30	with	with	ADP
cjrl-2282	568	31	a	a	DET
cjrl-2282	568	32	due	due	ADJ
cjrl-2282	568	33	date	date	NOUN
cjrl-2282	568	34	draft	draft	NOUN
cjrl-2282	568	35	—	—	PUNCT
cjrl-2282	568	36	or	or	CCONJ
cjrl-2282	568	37	a	a	DET
cjrl-2282	568	38	check	check	NOUN
cjrl-2282	568	39	that	that	PRON
cjrl-2282	568	40	is	be	AUX
cjrl-2282	568	41	payable	payable	ADJ
cjrl-2282	568	42	on	on	ADP
cjrl-2282	568	43	a	a	DET
cjrl-2282	568	44	definite	definite	ADJ
cjrl-2282	568	45	future	future	ADJ
cjrl-2282	568	46	date	date	NOUN
cjrl-2282	568	47	rather	rather	ADV
cjrl-2282	568	48	than	than	ADP
cjrl-2282	568	49	on	on	ADP
cjrl-2282	568	50	demand.142	demand.142	NOUN
cjrl-2282	568	51	this	this	DET
cjrl-2282	568	52	new	new	ADJ
cjrl-2282	568	53	check	check	NOUN
cjrl-2282	568	54	would	would	AUX
cjrl-2282	568	55	have	have	VERB
cjrl-2282	568	56	two	two	NUM
cjrl-2282	568	57	date	date	NOUN
cjrl-2282	568	58	lines	line	NOUN
cjrl-2282	568	59	:	:	PUNCT
cjrl-2282	568	60	one	one	NUM
cjrl-2282	568	61	for	for	ADP
cjrl-2282	568	62	the	the	DET
cjrl-2282	568	63	date	date	NOUN
cjrl-2282	568	64	when	when	SCONJ
cjrl-2282	568	65	the	the	DET
cjrl-2282	568	66	check	check	NOUN
cjrl-2282	568	67	was	be	AUX
cjrl-2282	568	68	issued	issue	VERB
cjrl-2282	568	69	(	(	PUNCT
cjrl-2282	568	70	this	this	PRON
cjrl-2282	568	71	is	be	AUX
cjrl-2282	568	72	the	the	DET
cjrl-2282	568	73	purpose	purpose	NOUN
cjrl-2282	568	74	of	of	ADP
cjrl-2282	568	75	the	the	DET
cjrl-2282	568	76	current	current	ADJ
cjrl-2282	568	77	date	date	NOUN
cjrl-2282	568	78	line	line	NOUN
cjrl-2282	568	79	on	on	ADP
cjrl-2282	568	80	demand	demand	NOUN
cjrl-2282	568	81	instruments	instrument	NOUN
cjrl-2282	568	82	)	)	PUNCT
cjrl-2282	568	83	;	;	PUNCT
cjrl-2282	568	84	and	and	CCONJ
cjrl-2282	568	85	the	the	DET
cjrl-2282	568	86	new	new	ADJ
cjrl-2282	568	87	,	,	PUNCT
cjrl-2282	568	88	second	second	ADJ
cjrl-2282	568	89	line	line	NOUN
cjrl-2282	568	90	for	for	ADP
cjrl-2282	568	91	the	the	DET
cjrl-2282	568	92	date	date	NOUN
cjrl-2282	568	93	when	when	SCONJ
cjrl-2282	568	94	the	the	DET
cjrl-2282	568	95	check	check	NOUN
cjrl-2282	568	96	will	will	AUX
cjrl-2282	568	97	be	be	AUX
cjrl-2282	568	98	due	due	ADJ
cjrl-2282	568	99	and	and	CCONJ
cjrl-2282	568	100	properly	properly	ADV
cjrl-2282	568	101	payable	payable	ADJ
cjrl-2282	568	102	by	by	ADP
cjrl-2282	568	103	the	the	DET
cjrl-2282	568	104	paying	pay	VERB
cjrl-2282	568	105	bank	bank	NOUN
cjrl-2282	568	106	.	.	PUNCT
cjrl-2282	569	1	this	this	DET
cjrl-2282	569	2	new	new	ADJ
cjrl-2282	569	3	category	category	NOUN
cjrl-2282	569	4	of	of	ADP
cjrl-2282	569	5	check	check	NOUN
cjrl-2282	569	6	transactions	transaction	NOUN
cjrl-2282	569	7	would	would	AUX
cjrl-2282	569	8	also	also	ADV
cjrl-2282	569	9	match	match	VERB
cjrl-2282	569	10	the	the	DET
cjrl-2282	569	11	expectations	expectation	NOUN
cjrl-2282	569	12	of	of	ADP
cjrl-2282	569	13	parties	party	NOUN
cjrl-2282	569	14	who	who	PRON
cjrl-2282	569	15	can	can	AUX
cjrl-2282	569	16	negotiate	negotiate	VERB
cjrl-2282	569	17	freely	freely	ADV
cjrl-2282	569	18	to	to	PART
cjrl-2282	569	19	use	use	VERB
cjrl-2282	569	20	,	,	PUNCT
cjrl-2282	569	21	or	or	CCONJ
cjrl-2282	569	22	to	to	PART
cjrl-2282	569	23	not	not	PART
cjrl-2282	569	24	use	use	VERB
cjrl-2282	569	25	checks	check	NOUN
cjrl-2282	569	26	with	with	ADP
cjrl-2282	569	27	a	a	DET
cjrl-2282	569	28	future	future	ADJ
cjrl-2282	569	29	due	due	ADJ
cjrl-2282	569	30	date	date	NOUN
cjrl-2282	569	31	.	.	PUNCT
cjrl-2282	570	1	this	this	DET
cjrl-2282	570	2	new	new	ADJ
cjrl-2282	570	3	check	check	NOUN
cjrl-2282	570	4	will	will	AUX
cjrl-2282	570	5	provide	provide	VERB
cjrl-2282	570	6	many	many	ADJ
cjrl-2282	570	7	consumers	consumer	NOUN
cjrl-2282	570	8	with	with	ADP
cjrl-2282	570	9	a	a	DET
cjrl-2282	570	10	much	much	ADV
cjrl-2282	570	11	-	-	PUNCT
cjrl-2282	570	12	needed	need	VERB
cjrl-2282	570	13	alternative	alternative	NOUN
cjrl-2282	570	14	to	to	ADP
cjrl-2282	570	15	payday	payday	NOUN
cjrl-2282	570	16	loan	loan	NOUN
cjrl-2282	570	17	stores	store	NOUN
cjrl-2282	570	18	,	,	PUNCT
cjrl-2282	570	19	credit	credit	NOUN
cjrl-2282	570	20	cards	card	NOUN
cjrl-2282	570	21	,	,	PUNCT
cjrl-2282	570	22	helocs	helocs	PROPN
cjrl-2282	570	23	,	,	PUNCT
cjrl-2282	570	24	and	and	CCONJ
cjrl-2282	570	25	other	other	ADJ
cjrl-2282	570	26	devices	device	NOUN
cjrl-2282	570	27	;	;	PUNCT
cjrl-2282	570	28	thus	thus	ADV
cjrl-2282	570	29	ensuring	ensure	VERB
cjrl-2282	570	30	benefits	benefit	NOUN
cjrl-2282	570	31	to	to	ADP
cjrl-2282	570	32	the	the	DET
cjrl-2282	570	33	economic	economic	ADJ
cjrl-2282	570	34	and	and	CCONJ
cjrl-2282	570	35	financial	financial	ADJ
cjrl-2282	570	36	integrity	integrity	NOUN
cjrl-2282	570	37	of	of	ADP
cjrl-2282	570	38	consumers	consumer	NOUN
cjrl-2282	570	39	who	who	PRON
cjrl-2282	570	40	are	be	AUX
cjrl-2282	570	41	clearly	clearly	ADV
cjrl-2282	570	42	demanding	demand	VERB
cjrl-2282	570	43	better	well	ADJ
cjrl-2282	570	44	alternatives	alternative	NOUN
cjrl-2282	570	45	and	and	CCONJ
cjrl-2282	570	46	more	more	ADV
cjrl-2282	570	47	flexible	flexible	ADJ
cjrl-2282	570	48	bank	bank	NOUN
cjrl-2282	570	49	products	product	NOUN
cjrl-2282	570	50	.	.	PUNCT
cjrl-2282	571	1	it	it	PRON
cjrl-2282	571	2	also	also	ADV
cjrl-2282	571	3	has	have	VERB
cjrl-2282	571	4	the	the	DET
cjrl-2282	571	5	benefit	benefit	NOUN
cjrl-2282	571	6	of	of	ADP
cjrl-2282	571	7	simplifying	simplify	VERB
cjrl-2282	571	8	the	the	DET
cjrl-2282	571	9	law	law	NOUN
cjrl-2282	571	10	of	of	ADP
cjrl-2282	571	11	negotiable	negotiable	ADJ
cjrl-2282	571	12	instruments	instrument	NOUN
cjrl-2282	571	13	,	,	PUNCT
cjrl-2282	571	14	both	both	CCONJ
cjrl-2282	571	15	state	state	NOUN
cjrl-2282	571	16	and	and	CCONJ
cjrl-2282	571	17	federal	federal	ADJ
cjrl-2282	571	18	,	,	PUNCT
cjrl-2282	571	19	by	by	ADP
cjrl-2282	571	20	eliminating	eliminate	VERB
cjrl-2282	571	21	the	the	DET
cjrl-2282	571	22	unnecessary	unnecessary	ADJ
cjrl-2282	571	23	exception	exception	NOUN
cjrl-2282	571	24	to	to	ADP
cjrl-2282	571	25	the	the	DET
cjrl-2282	571	26	general	general	ADJ
cjrl-2282	571	27	rule	rule	NOUN
cjrl-2282	571	28	that	that	SCONJ
cjrl-2282	571	29	parties	party	NOUN
cjrl-2282	571	30	to	to	ADP
cjrl-2282	571	31	all	all	DET
cjrl-2282	571	32	instruments	instrument	NOUN
cjrl-2282	571	33	have	have	VERB
cjrl-2282	571	34	the	the	DET
cjrl-2282	571	35	flexibility	flexibility	NOUN
cjrl-2282	571	36	to	to	PART
cjrl-2282	571	37	enter	enter	VERB
cjrl-2282	571	38	into	into	ADP
cjrl-2282	571	39	commercial	commercial	ADJ
cjrl-2282	571	40	transactions	transaction	NOUN
cjrl-2282	571	41	confident	confident	ADJ
cjrl-2282	571	42	that	that	SCONJ
cjrl-2282	571	43	they	they	PRON
cjrl-2282	571	44	can	can	AUX
cjrl-2282	571	45	bargain	bargain	VERB
cjrl-2282	571	46	for	for	ADP
cjrl-2282	571	47	the	the	DET
cjrl-2282	571	48	most	most	ADV
cjrl-2282	571	49	favorable	favorable	ADJ
cjrl-2282	571	50	terms	term	NOUN
cjrl-2282	571	51	they	they	PRON
cjrl-2282	571	52	can	can	AUX
cjrl-2282	571	53	muster	muster	VERB
cjrl-2282	571	54	,	,	PUNCT
cjrl-2282	571	55	including	include	VERB
cjrl-2282	571	56	whether	whether	SCONJ
cjrl-2282	571	57	they	they	PRON
cjrl-2282	571	58	must	must	AUX
cjrl-2282	571	59	be	be	AUX
cjrl-2282	571	60	able	able	ADJ
cjrl-2282	571	61	to	to	PART
cjrl-2282	571	62	pay	pay	VERB
cjrl-2282	571	63	on	on	ADP
cjrl-2282	571	64	demand	demand	NOUN
cjrl-2282	571	65	or	or	CCONJ
cjrl-2282	571	66	whether	whether	SCONJ
cjrl-2282	571	67	they	they	PRON
cjrl-2282	571	68	will	will	AUX
cjrl-2282	571	69	have	have	VERB
cjrl-2282	571	70	until	until	ADP
cjrl-2282	571	71	a	a	DET
cjrl-2282	571	72	future	future	ADJ
cjrl-2282	571	73	date	date	NOUN
cjrl-2282	571	74	to	to	PART
cjrl-2282	571	75	make	make	VERB
cjrl-2282	571	76	payment	payment	NOUN
cjrl-2282	571	77	according	accord	VERB
cjrl-2282	571	78	to	to	ADP
cjrl-2282	571	79	their	their	PRON
cjrl-2282	571	80	private	private	ADJ
cjrl-2282	571	81	transactional	transactional	ADJ
cjrl-2282	571	82	reasons	reason	NOUN
cjrl-2282	571	83	and	and	CCONJ
cjrl-2282	571	84	bargaining	bargaining	NOUN
cjrl-2282	571	85	power	power	NOUN
cjrl-2282	571	86	.	.	PUNCT
cjrl-2282	572	1	with	with	ADP
cjrl-2282	572	2	today	today	NOUN
cjrl-2282	572	3	’s	’s	PART
cjrl-2282	572	4	technology	technology	NOUN
cjrl-2282	572	5	making	make	VERB
cjrl-2282	572	6	it	it	PRON
cjrl-2282	572	7	easier	easy	ADJ
cjrl-2282	572	8	for	for	SCONJ
cjrl-2282	572	9	banks	bank	NOUN
cjrl-2282	572	10	to	to	PART
cjrl-2282	572	11	accommodate	accommodate	VERB
cjrl-2282	572	12	the	the	DET
cjrl-2282	572	13	tracking	tracking	NOUN
cjrl-2282	572	14	involved	involve	VERB
cjrl-2282	572	15	with	with	ADP
cjrl-2282	572	16	sorting	sort	VERB
cjrl-2282	572	17	checks	check	NOUN
cjrl-2282	572	18	,	,	PUNCT
cjrl-2282	572	19	the	the	DET
cjrl-2282	572	20	burden	burden	NOUN
cjrl-2282	572	21	of	of	ADP
cjrl-2282	572	22	implementation	implementation	NOUN
cjrl-2282	572	23	is	be	AUX
cjrl-2282	572	24	far	far	ADV
cjrl-2282	572	25	outweighed	outweigh	VERB
cjrl-2282	572	26	by	by	ADP
cjrl-2282	572	27	the	the	DET
cjrl-2282	572	28	burdens	burden	NOUN
cjrl-2282	572	29	on	on	ADP
cjrl-2282	572	30	consumers	consumer	NOUN
cjrl-2282	572	31	,	,	PUNCT
cjrl-2282	572	32	especially	especially	ADV
cjrl-2282	572	33	poor	poor	ADJ
cjrl-2282	572	34	and	and	CCONJ
cjrl-2282	572	35	minority	minority	NOUN
cjrl-2282	572	36	consumers	consumer	NOUN
cjrl-2282	572	37	who	who	PRON
cjrl-2282	572	38	have	have	VERB
cjrl-2282	572	39	a	a	DET
cjrl-2282	572	40	clear	clear	ADJ
cjrl-2282	572	41	need	need	NOUN
cjrl-2282	572	42	for	for	ADP
cjrl-2282	572	43	this	this	DET
cjrl-2282	572	44	bank	bank	NOUN
cjrl-2282	572	45	solution.143	solution.143	PROPN
cjrl-2282	572	46	vi	vi	PROPN
cjrl-2282	572	47	.	.	PUNCT
cjrl-2282	572	48	potential	potential	ADJ
cjrl-2282	572	49	objections	objection	NOUN
cjrl-2282	572	50	142	142	NUM
cjrl-2282	572	51	see	see	VERB
cjrl-2282	572	52	appendix	appendix	NOUN
cjrl-2282	572	53	c	c	NOUN
cjrl-2282	572	54	for	for	ADP
cjrl-2282	572	55	an	an	DET
cjrl-2282	572	56	example	example	NOUN
cjrl-2282	572	57	of	of	ADP
cjrl-2282	572	58	what	what	PRON
cjrl-2282	572	59	this	this	DET
cjrl-2282	572	60	new	new	ADJ
cjrl-2282	572	61	instrument	instrument	NOUN
cjrl-2282	572	62	may	may	AUX
cjrl-2282	572	63	look	look	VERB
cjrl-2282	572	64	like	like	ADP
cjrl-2282	572	65	.	.	PUNCT
cjrl-2282	573	1	143	143	NUM
cjrl-2282	573	2	in	in	ADP
cjrl-2282	573	3	general	general	ADJ
cjrl-2282	573	4	,	,	PUNCT
cjrl-2282	573	5	my	my	PRON
cjrl-2282	573	6	proposal	proposal	NOUN
cjrl-2282	573	7	is	be	AUX
cjrl-2282	573	8	for	for	ADP
cjrl-2282	573	9	a	a	DET
cjrl-2282	573	10	way	way	NOUN
cjrl-2282	573	11	to	to	PART
cjrl-2282	573	12	replace	replace	VERB
cjrl-2282	573	13	the	the	DET
cjrl-2282	573	14	float	float	NOUN
cjrl-2282	573	15	once	once	ADV
cjrl-2282	573	16	enjoyed	enjoy	VERB
cjrl-2282	573	17	by	by	ADP
cjrl-2282	573	18	consumers	consumer	NOUN
cjrl-2282	573	19	who	who	PRON
cjrl-2282	573	20	used	use	VERB
cjrl-2282	573	21	checks	check	NOUN
cjrl-2282	573	22	to	to	PART
cjrl-2282	573	23	pay	pay	VERB
cjrl-2282	573	24	for	for	ADP
cjrl-2282	573	25	purchases	purchase	NOUN
cjrl-2282	573	26	with	with	ADP
cjrl-2282	573	27	the	the	DET
cjrl-2282	573	28	expectation	expectation	NOUN
cjrl-2282	573	29	that	that	SCONJ
cjrl-2282	573	30	the	the	DET
cjrl-2282	573	31	presentation	presentation	NOUN
cjrl-2282	573	32	would	would	AUX
cjrl-2282	573	33	be	be	AUX
cjrl-2282	573	34	delayed	delay	VERB
cjrl-2282	573	35	for	for	ADP
cjrl-2282	573	36	several	several	ADJ
cjrl-2282	573	37	days	day	NOUN
cjrl-2282	573	38	.	.	PUNCT
cjrl-2282	574	1	the	the	DET
cjrl-2282	574	2	replacement	replacement	NOUN
cjrl-2282	574	3	proposed	propose	VERB
cjrl-2282	574	4	,	,	PUNCT
cjrl-2282	574	5	therefore	therefore	ADV
cjrl-2282	574	6	,	,	PUNCT
cjrl-2282	574	7	would	would	AUX
cjrl-2282	574	8	probably	probably	ADV
cjrl-2282	574	9	continue	continue	VERB
cjrl-2282	574	10	to	to	PART
cjrl-2282	574	11	be	be	AUX
cjrl-2282	574	12	a	a	DET
cjrl-2282	574	13	very	very	ADV
cjrl-2282	574	14	short	short	ADJ
cjrl-2282	574	15	term	term	NOUN
cjrl-2282	574	16	item	item	NOUN
cjrl-2282	574	17	with	with	ADP
cjrl-2282	574	18	a	a	DET
cjrl-2282	574	19	due	due	ADJ
cjrl-2282	574	20	date	date	NOUN
cjrl-2282	574	21	that	that	PRON
cjrl-2282	574	22	would	would	AUX
cjrl-2282	574	23	arrive	arrive	VERB
cjrl-2282	574	24	in	in	ADP
cjrl-2282	574	25	the	the	DET
cjrl-2282	574	26	very	very	ADV
cjrl-2282	574	27	near	near	ADJ
cjrl-2282	574	28	future	future	NOUN
cjrl-2282	574	29	—	—	PUNCT
cjrl-2282	574	30	say	say	INTJ
cjrl-2282	574	31	,	,	PUNCT
cjrl-2282	574	32	seven	seven	NUM
cjrl-2282	574	33	to	to	PART
cjrl-2282	574	34	twenty	twenty	NUM
cjrl-2282	574	35	days	day	NOUN
cjrl-2282	574	36	out	out	ADV
cjrl-2282	574	37	—	—	PUNCT
cjrl-2282	574	38	when	when	SCONJ
cjrl-2282	574	39	the	the	DET
cjrl-2282	574	40	item	item	NOUN
cjrl-2282	574	41	will	will	AUX
cjrl-2282	574	42	become	become	VERB
cjrl-2282	574	43	due	due	ADJ
cjrl-2282	574	44	;	;	PUNCT
cjrl-2282	574	45	and	and	CCONJ
cjrl-2282	574	46	prior	prior	ADV
cjrl-2282	574	47	to	to	ADP
cjrl-2282	574	48	which	which	PRON
cjrl-2282	574	49	it	it	PRON
cjrl-2282	574	50	is	be	AUX
cjrl-2282	574	51	not	not	PART
cjrl-2282	574	52	yet	yet	ADV
cjrl-2282	574	53	properly	properly	ADV
cjrl-2282	574	54	payable	payable	ADJ
cjrl-2282	574	55	.	.	PUNCT
cjrl-2282	575	1	see	see	VERB
cjrl-2282	575	2	appendix	appendix	ADJ
cjrl-2282	575	3	c	c	NOUN
cjrl-2282	575	4	:	:	PUNCT
cjrl-2282	575	5	new	new	ADJ
cjrl-2282	575	6	proposed	propose	VERB
cjrl-2282	575	7	check	check	NOUN
cjrl-2282	575	8	with	with	ADP
cjrl-2282	575	9	two	two	NUM
cjrl-2282	575	10	date	date	NOUN
cjrl-2282	575	11	lines	line	NOUN
cjrl-2282	575	12	,	,	PUNCT
cjrl-2282	575	13	one	one	NUM
cjrl-2282	575	14	for	for	ADP
cjrl-2282	575	15	the	the	DET
cjrl-2282	575	16	date	date	NOUN
cjrl-2282	575	17	of	of	ADP
cjrl-2282	575	18	issuance	issuance	NOUN
cjrl-2282	575	19	that	that	PRON
cjrl-2282	575	20	is	be	AUX
cjrl-2282	575	21	currently	currently	ADV
cjrl-2282	575	22	featured	feature	VERB
cjrl-2282	575	23	on	on	ADP
cjrl-2282	575	24	checks	check	NOUN
cjrl-2282	575	25	;	;	PUNCT
cjrl-2282	575	26	and	and	CCONJ
cjrl-2282	575	27	another	another	PRON
cjrl-2282	575	28	for	for	ADP
cjrl-2282	575	29	the	the	DET
cjrl-2282	575	30	new	new	ADJ
cjrl-2282	575	31	date	date	NOUN
cjrl-2282	575	32	due	due	ADJ
cjrl-2282	575	33	that	that	PRON
cjrl-2282	575	34	can	can	AUX
cjrl-2282	575	35	be	be	AUX
cjrl-2282	575	36	either	either	CCONJ
cjrl-2282	575	37	the	the	DET
cjrl-2282	575	38	same	same	ADJ
cjrl-2282	575	39	as	as	ADP
cjrl-2282	575	40	the	the	DET
cjrl-2282	575	41	issuance	issuance	NOUN
cjrl-2282	575	42	date	date	NOUN
cjrl-2282	575	43	for	for	ADP
cjrl-2282	575	44	demand	demand	NOUN
cjrl-2282	575	45	checks	check	NOUN
cjrl-2282	575	46	,	,	PUNCT
cjrl-2282	575	47	or	or	CCONJ
cjrl-2282	575	48	with	with	ADP
cjrl-2282	575	49	a	a	DET
cjrl-2282	575	50	date	date	NOUN
cjrl-2282	575	51	at	at	ADP
cjrl-2282	575	52	a	a	DET
cjrl-2282	575	53	definite	definite	ADJ
cjrl-2282	575	54	time	time	NOUN
cjrl-2282	575	55	in	in	ADP
cjrl-2282	575	56	the	the	DET
cjrl-2282	575	57	future	future	NOUN
cjrl-2282	575	58	for	for	ADP
cjrl-2282	575	59	checks	check	NOUN
cjrl-2282	575	60	that	that	PRON
cjrl-2282	575	61	are	be	AUX
cjrl-2282	575	62	time	time	NOUN
cjrl-2282	575	63	instruments	instrument	NOUN
cjrl-2282	575	64	under	under	ADP
cjrl-2282	575	65	the	the	DET
cjrl-2282	575	66	new	new	ADJ
cjrl-2282	575	67	proposed	propose	VERB
cjrl-2282	575	68	redefinition	redefinition	NOUN
cjrl-2282	575	69	of	of	ADP
cjrl-2282	575	70	“	"	PUNCT
cjrl-2282	575	71	check	check	NOUN
cjrl-2282	575	72	”	"	PUNCT
cjrl-2282	575	73	for	for	ADP
cjrl-2282	575	74	both	both	PRON
cjrl-2282	575	75	article	article	NOUN
cjrl-2282	575	76	4	4	NUM
cjrl-2282	575	77	and	and	CCONJ
cjrl-2282	575	78	regulation	regulation	NOUN
cjrl-2282	575	79	cc	cc	PROPN
cjrl-2282	575	80	.	.	PROPN
cjrl-2282	575	81	2013	2013	NUM
cjrl-2282	575	82	columbia	columbia	PROPN
cjrl-2282	575	83	journal	journal	PROPN
cjrl-2282	575	84	of	of	ADP
cjrl-2282	575	85	race	race	NOUN
cjrl-2282	575	86	and	and	CCONJ
cjrl-2282	575	87	law	law	NOUN
cjrl-2282	575	88	97	97	NUM
cjrl-2282	575	89	i	i	PRON
cjrl-2282	575	90	have	have	AUX
cjrl-2282	575	91	made	make	VERB
cjrl-2282	575	92	two	two	NUM
cjrl-2282	575	93	recommendations	recommendation	NOUN
cjrl-2282	575	94	for	for	ADP
cjrl-2282	575	95	changes	change	NOUN
cjrl-2282	575	96	in	in	ADP
cjrl-2282	575	97	both	both	CCONJ
cjrl-2282	575	98	the	the	DET
cjrl-2282	575	99	law	law	NOUN
cjrl-2282	575	100	and	and	CCONJ
cjrl-2282	575	101	banking	banking	NOUN
cjrl-2282	575	102	practices	practice	NOUN
cjrl-2282	575	103	to	to	PART
cjrl-2282	575	104	help	help	VERB
cjrl-2282	575	105	consumers	consumer	NOUN
cjrl-2282	575	106	navigate	navigate	VERB
cjrl-2282	575	107	the	the	DET
cjrl-2282	575	108	post	post	ADJ
cjrl-2282	575	109	-	-	ADJ
cjrl-2282	575	110	reform	reform	ADJ
cjrl-2282	575	111	checking	check	VERB
cjrl-2282	575	112	landscape	landscape	NOUN
cjrl-2282	575	113	more	more	ADV
cjrl-2282	575	114	successfully	successfully	ADV
cjrl-2282	575	115	than	than	SCONJ
cjrl-2282	575	116	they	they	PRON
cjrl-2282	575	117	have	have	VERB
cjrl-2282	575	118	heretofore	heretofore	ADV
cjrl-2282	575	119	.	.	PUNCT
cjrl-2282	576	1	i	i	PRON
cjrl-2282	576	2	assume	assume	VERB
cjrl-2282	576	3	that	that	SCONJ
cjrl-2282	576	4	helping	help	VERB
cjrl-2282	576	5	consumers	consumer	NOUN
cjrl-2282	576	6	in	in	ADP
cjrl-2282	576	7	these	these	DET
cjrl-2282	576	8	ways	way	NOUN
cjrl-2282	576	9	would	would	AUX
cjrl-2282	576	10	improve	improve	VERB
cjrl-2282	576	11	the	the	DET
cjrl-2282	576	12	track	track	NOUN
cjrl-2282	576	13	record	record	NOUN
cjrl-2282	576	14	of	of	ADP
cjrl-2282	576	15	the	the	DET
cjrl-2282	576	16	reforms	reform	NOUN
cjrl-2282	576	17	themselves	themselves	PRON
cjrl-2282	576	18	,	,	PUNCT
cjrl-2282	576	19	which	which	PRON
cjrl-2282	576	20	are	be	AUX
cjrl-2282	576	21	justified	justify	VERB
cjrl-2282	576	22	only	only	ADV
cjrl-2282	576	23	to	to	ADP
cjrl-2282	576	24	the	the	DET
cjrl-2282	576	25	extent	extent	NOUN
cjrl-2282	576	26	that	that	SCONJ
cjrl-2282	576	27	this	this	DET
cjrl-2282	576	28	federal	federal	ADJ
cjrl-2282	576	29	intervention	intervention	NOUN
cjrl-2282	576	30	in	in	ADP
cjrl-2282	576	31	states	state	NOUN
cjrl-2282	576	32	’	'	PUNCT
cjrl-2282	576	33	jurisdiction	jurisdiction	NOUN
cjrl-2282	576	34	over	over	ADP
cjrl-2282	576	35	the	the	DET
cjrl-2282	576	36	commercial	commercial	ADJ
cjrl-2282	576	37	lives	life	NOUN
cjrl-2282	576	38	of	of	ADP
cjrl-2282	576	39	their	their	PRON
cjrl-2282	576	40	citizens	citizen	NOUN
cjrl-2282	576	41	is	be	AUX
cjrl-2282	576	42	based	base	VERB
cjrl-2282	576	43	on	on	ADP
cjrl-2282	576	44	the	the	DET
cjrl-2282	576	45	federal	federal	ADJ
cjrl-2282	576	46	government	government	NOUN
cjrl-2282	576	47	’s	’s	PART
cjrl-2282	576	48	interest	interest	NOUN
cjrl-2282	576	49	in	in	ADP
cjrl-2282	576	50	protecting	protect	VERB
cjrl-2282	576	51	consumers	consumer	NOUN
cjrl-2282	576	52	.	.	PUNCT
cjrl-2282	577	1	obviously	obviously	ADV
cjrl-2282	577	2	,	,	PUNCT
cjrl-2282	577	3	these	these	DET
cjrl-2282	577	4	recommendations	recommendation	NOUN
cjrl-2282	577	5	are	be	AUX
cjrl-2282	577	6	not	not	PART
cjrl-2282	577	7	minor	minor	ADJ
cjrl-2282	577	8	,	,	PUNCT
cjrl-2282	577	9	and	and	CCONJ
cjrl-2282	577	10	they	they	PRON
cjrl-2282	577	11	may	may	AUX
cjrl-2282	577	12	be	be	AUX
cjrl-2282	577	13	met	meet	VERB
cjrl-2282	577	14	with	with	ADP
cjrl-2282	577	15	some	some	DET
cjrl-2282	577	16	criticism	criticism	NOUN
cjrl-2282	577	17	or	or	CCONJ
cjrl-2282	577	18	objections	objection	NOUN
cjrl-2282	577	19	.	.	PUNCT
cjrl-2282	578	1	there	there	PRON
cjrl-2282	578	2	are	be	VERB
cjrl-2282	578	3	a	a	DET
cjrl-2282	578	4	number	number	NOUN
cjrl-2282	578	5	of	of	ADP
cjrl-2282	578	6	foreseeable	foreseeable	ADJ
cjrl-2282	578	7	reasons	reason	NOUN
cjrl-2282	578	8	that	that	PRON
cjrl-2282	578	9	seem	seem	VERB
cjrl-2282	578	10	to	to	PART
cjrl-2282	578	11	explain	explain	VERB
cjrl-2282	578	12	why	why	SCONJ
cjrl-2282	578	13	banks	bank	NOUN
cjrl-2282	578	14	may	may	AUX
cjrl-2282	578	15	balk	balk	VERB
cjrl-2282	578	16	at	at	ADP
cjrl-2282	578	17	having	have	VERB
cjrl-2282	578	18	to	to	PART
cjrl-2282	578	19	live	live	VERB
cjrl-2282	578	20	with	with	ADP
cjrl-2282	578	21	the	the	DET
cjrl-2282	578	22	recommendations	recommendation	NOUN
cjrl-2282	578	23	,	,	PUNCT
cjrl-2282	578	24	if	if	SCONJ
cjrl-2282	578	25	implemented	implement	VERB
cjrl-2282	578	26	.	.	PUNCT
cjrl-2282	579	1	this	this	DET
cjrl-2282	579	2	section	section	NOUN
cjrl-2282	579	3	attempts	attempt	VERB
cjrl-2282	579	4	to	to	PART
cjrl-2282	579	5	address	address	VERB
cjrl-2282	579	6	what	what	PRON
cjrl-2282	579	7	i	i	PRON
cjrl-2282	579	8	feel	feel	VERB
cjrl-2282	579	9	could	could	AUX
cjrl-2282	579	10	be	be	AUX
cjrl-2282	579	11	some	some	PRON
cjrl-2282	579	12	of	of	ADP
cjrl-2282	579	13	the	the	DET
cjrl-2282	579	14	more	more	ADV
cjrl-2282	579	15	vigorous	vigorous	ADJ
cjrl-2282	579	16	objections	objection	NOUN
cjrl-2282	579	17	to	to	ADP
cjrl-2282	579	18	my	my	PRON
cjrl-2282	579	19	recommendations	recommendation	NOUN
cjrl-2282	579	20	.	.	PUNCT
cjrl-2282	580	1	a.	a.	NOUN
cjrl-2282	580	2	the	the	DET
cjrl-2282	580	3	“	"	PUNCT
cjrl-2282	580	4	redundancy	redundancy	NOUN
cjrl-2282	580	5	”	"	PUNCT
cjrl-2282	580	6	objection	objection	NOUN
cjrl-2282	580	7	one	one	NUM
cjrl-2282	580	8	possible	possible	ADJ
cjrl-2282	580	9	objection	objection	NOUN
cjrl-2282	580	10	may	may	AUX
cjrl-2282	580	11	attack	attack	VERB
cjrl-2282	580	12	the	the	DET
cjrl-2282	580	13	necessity	necessity	NOUN
cjrl-2282	580	14	of	of	ADP
cjrl-2282	580	15	the	the	DET
cjrl-2282	580	16	new	new	ADJ
cjrl-2282	580	17	instrument	instrument	NOUN
cjrl-2282	580	18	on	on	ADP
cjrl-2282	580	19	the	the	DET
cjrl-2282	580	20	grounds	ground	NOUN
cjrl-2282	580	21	that	that	PRON
cjrl-2282	580	22	banks	bank	NOUN
cjrl-2282	580	23	already	already	ADV
cjrl-2282	580	24	offer	offer	VERB
cjrl-2282	580	25	overdraft	overdraft	NOUN
cjrl-2282	580	26	protection	protection	NOUN
cjrl-2282	580	27	for	for	ADP
cjrl-2282	580	28	customers	customer	NOUN
cjrl-2282	580	29	who	who	PRON
cjrl-2282	580	30	write	write	VERB
cjrl-2282	580	31	checks	check	NOUN
cjrl-2282	580	32	against	against	ADP
cjrl-2282	580	33	insufficient	insufficient	ADJ
cjrl-2282	580	34	funds	fund	NOUN
cjrl-2282	580	35	.	.	PUNCT
cjrl-2282	581	1	there	there	PRON
cjrl-2282	581	2	is	be	VERB
cjrl-2282	581	3	,	,	PUNCT
cjrl-2282	581	4	however	however	ADV
cjrl-2282	581	5	,	,	PUNCT
cjrl-2282	581	6	an	an	DET
cjrl-2282	581	7	important	important	ADJ
cjrl-2282	581	8	distinction	distinction	NOUN
cjrl-2282	581	9	between	between	ADP
cjrl-2282	581	10	offering	offer	VERB
cjrl-2282	581	11	a	a	DET
cjrl-2282	581	12	service	service	NOUN
cjrl-2282	581	13	to	to	PART
cjrl-2282	581	14	remediate	remediate	VERB
cjrl-2282	581	15	a	a	DET
cjrl-2282	581	16	wrong	wrong	NOUN
cjrl-2282	581	17	and	and	CCONJ
cjrl-2282	581	18	one	one	NUM
cjrl-2282	581	19	that	that	PRON
cjrl-2282	581	20	offers	offer	VERB
cjrl-2282	581	21	an	an	DET
cjrl-2282	581	22	option	option	NOUN
cjrl-2282	581	23	to	to	PART
cjrl-2282	581	24	engage	engage	VERB
cjrl-2282	581	25	in	in	ADP
cjrl-2282	581	26	a	a	DET
cjrl-2282	581	27	positive	positive	ADJ
cjrl-2282	581	28	transaction	transaction	NOUN
cjrl-2282	581	29	.	.	PUNCT
cjrl-2282	582	1	this	this	PRON
cjrl-2282	582	2	is	be	AUX
cjrl-2282	582	3	especially	especially	ADV
cjrl-2282	582	4	important	important	ADJ
cjrl-2282	582	5	for	for	ADP
cjrl-2282	582	6	poor	poor	ADJ
cjrl-2282	582	7	and	and	CCONJ
cjrl-2282	582	8	marginalized	marginalize	VERB
cjrl-2282	582	9	consumers	consumer	NOUN
cjrl-2282	582	10	who	who	PRON
cjrl-2282	582	11	may	may	AUX
cjrl-2282	582	12	not	not	PART
cjrl-2282	582	13	qualify	qualify	VERB
cjrl-2282	582	14	for	for	ADP
cjrl-2282	582	15	overdraft	overdraft	NOUN
cjrl-2282	582	16	protection	protection	NOUN
cjrl-2282	582	17	nor	nor	CCONJ
cjrl-2282	582	18	benefit	benefit	NOUN
cjrl-2282	582	19	from	from	ADP
cjrl-2282	582	20	the	the	DET
cjrl-2282	582	21	service	service	NOUN
cjrl-2282	582	22	if	if	SCONJ
cjrl-2282	582	23	it	it	PRON
cjrl-2282	582	24	requires	require	VERB
cjrl-2282	582	25	them	they	PRON
cjrl-2282	582	26	first	first	ADJ
cjrl-2282	582	27	to	to	PART
cjrl-2282	582	28	be	be	AUX
cjrl-2282	582	29	humiliated	humiliate	VERB
cjrl-2282	582	30	and	and	CCONJ
cjrl-2282	582	31	admonished	admonish	VERB
cjrl-2282	582	32	by	by	ADP
cjrl-2282	582	33	a	a	DET
cjrl-2282	582	34	fee	fee	NOUN
cjrl-2282	582	35	for	for	ADP
cjrl-2282	582	36	being	be	AUX
cjrl-2282	582	37	allowed	allow	VERB
cjrl-2282	582	38	to	to	PART
cjrl-2282	582	39	avoid	avoid	VERB
cjrl-2282	582	40	harsher	harsh	ADJ
cjrl-2282	582	41	penalties	penalty	NOUN
cjrl-2282	582	42	.	.	PUNCT
cjrl-2282	583	1	this	this	DET
cjrl-2282	583	2	new	new	ADJ
cjrl-2282	583	3	time	time	NOUN
cjrl-2282	583	4	draft	draft	NOUN
cjrl-2282	583	5	would	would	AUX
cjrl-2282	583	6	also	also	ADV
cjrl-2282	583	7	not	not	PART
cjrl-2282	583	8	be	be	AUX
cjrl-2282	583	9	redundant	redundant	ADJ
cjrl-2282	583	10	insofar	insofar	ADV
cjrl-2282	583	11	as	as	SCONJ
cjrl-2282	583	12	it	it	PRON
cjrl-2282	583	13	is	be	AUX
cjrl-2282	583	14	additive	additive	ADJ
cjrl-2282	583	15	by	by	ADP
cjrl-2282	583	16	increasing	increase	VERB
cjrl-2282	583	17	the	the	DET
cjrl-2282	583	18	number	number	NOUN
cjrl-2282	583	19	of	of	ADP
cjrl-2282	583	20	payment	payment	NOUN
cjrl-2282	583	21	methods	method	NOUN
cjrl-2282	583	22	that	that	PRON
cjrl-2282	583	23	are	be	AUX
cjrl-2282	583	24	available	available	ADJ
cjrl-2282	583	25	to	to	ADP
cjrl-2282	583	26	buyers	buyer	NOUN
cjrl-2282	583	27	and	and	CCONJ
cjrl-2282	583	28	sellers	seller	NOUN
cjrl-2282	583	29	who	who	PRON
cjrl-2282	583	30	could	could	AUX
cjrl-2282	583	31	consider	consider	VERB
cjrl-2282	583	32	using	use	VERB
cjrl-2282	583	33	this	this	DET
cjrl-2282	583	34	new	new	ADJ
cjrl-2282	583	35	payment	payment	NOUN
cjrl-2282	583	36	instrument	instrument	NOUN
cjrl-2282	583	37	for	for	ADP
cjrl-2282	583	38	their	their	PRON
cjrl-2282	583	39	transactions	transaction	NOUN
cjrl-2282	583	40	at	at	ADP
cjrl-2282	583	41	their	their	PRON
cjrl-2282	583	42	option	option	NOUN
cjrl-2282	583	43	.	.	PUNCT
cjrl-2282	584	1	increased	increase	VERB
cjrl-2282	584	2	availability	availability	NOUN
cjrl-2282	584	3	of	of	ADP
cjrl-2282	584	4	options	option	NOUN
cjrl-2282	584	5	for	for	ADP
cjrl-2282	584	6	completing	complete	VERB
cjrl-2282	584	7	and	and	CCONJ
cjrl-2282	584	8	paying	pay	VERB
cjrl-2282	584	9	for	for	ADP
cjrl-2282	584	10	their	their	PRON
cjrl-2282	584	11	obligations	obligation	NOUN
cjrl-2282	584	12	is	be	AUX
cjrl-2282	584	13	essential	essential	ADJ
cjrl-2282	584	14	to	to	ADP
cjrl-2282	584	15	the	the	DET
cjrl-2282	584	16	freedom	freedom	NOUN
cjrl-2282	584	17	of	of	ADP
cjrl-2282	584	18	the	the	DET
cjrl-2282	584	19	parties	party	NOUN
cjrl-2282	584	20	to	to	ADP
cjrl-2282	584	21	contracts	contract	NOUN
cjrl-2282	584	22	to	to	PART
cjrl-2282	584	23	engage	engage	VERB
cjrl-2282	584	24	in	in	ADP
cjrl-2282	584	25	commercial	commercial	ADJ
cjrl-2282	584	26	transactions	transaction	NOUN
cjrl-2282	584	27	that	that	PRON
cjrl-2282	584	28	allow	allow	VERB
cjrl-2282	584	29	them	they	PRON
cjrl-2282	584	30	to	to	PART
cjrl-2282	584	31	participate	participate	VERB
cjrl-2282	584	32	in	in	ADP
cjrl-2282	584	33	a	a	DET
cjrl-2282	584	34	vigorous	vigorous	ADJ
cjrl-2282	584	35	marketplace	marketplace	NOUN
cjrl-2282	584	36	and	and	CCONJ
cjrl-2282	584	37	to	to	PART
cjrl-2282	584	38	be	be	AUX
cjrl-2282	584	39	creative	creative	ADJ
cjrl-2282	584	40	in	in	ADP
cjrl-2282	584	41	the	the	DET
cjrl-2282	584	42	way	way	NOUN
cjrl-2282	584	43	they	they	PRON
cjrl-2282	584	44	agree	agree	VERB
cjrl-2282	584	45	to	to	ADP
cjrl-2282	584	46	terms	term	NOUN
cjrl-2282	584	47	.	.	PUNCT
cjrl-2282	585	1	b.	b.	VERB
cjrl-2282	585	2	the	the	DET
cjrl-2282	585	3	“	"	PUNCT
cjrl-2282	585	4	implementation	implementation	NOUN
cjrl-2282	585	5	”	"	PUNCT
cjrl-2282	585	6	objection	objection	NOUN
cjrl-2282	585	7	another	another	DET
cjrl-2282	585	8	potential	potential	ADJ
cjrl-2282	585	9	objection	objection	NOUN
cjrl-2282	585	10	to	to	ADP
cjrl-2282	585	11	using	use	VERB
cjrl-2282	585	12	the	the	DET
cjrl-2282	585	13	new	new	ADJ
cjrl-2282	585	14	time	time	NOUN
cjrl-2282	585	15	check	check	NOUN
cjrl-2282	585	16	is	be	AUX
cjrl-2282	585	17	that	that	SCONJ
cjrl-2282	585	18	the	the	DET
cjrl-2282	585	19	product	product	NOUN
cjrl-2282	585	20	could	could	AUX
cjrl-2282	585	21	be	be	AUX
cjrl-2282	585	22	difficult	difficult	ADJ
cjrl-2282	585	23	to	to	PART
cjrl-2282	585	24	implement	implement	VERB
cjrl-2282	585	25	.	.	PUNCT
cjrl-2282	586	1	how	how	SCONJ
cjrl-2282	586	2	would	would	AUX
cjrl-2282	586	3	a	a	DET
cjrl-2282	586	4	bank	bank	NOUN
cjrl-2282	586	5	process	process	NOUN
cjrl-2282	586	6	checks	check	NOUN
cjrl-2282	586	7	that	that	PRON
cjrl-2282	586	8	are	be	AUX
cjrl-2282	586	9	due	due	ADJ
cjrl-2282	586	10	on	on	ADP
cjrl-2282	586	11	various	various	ADJ
cjrl-2282	586	12	different	different	ADJ
cjrl-2282	586	13	future	future	ADJ
cjrl-2282	586	14	dates	date	NOUN
cjrl-2282	586	15	?	?	PUNCT
cjrl-2282	587	1	in	in	ADP
cjrl-2282	587	2	today	today	NOUN
cjrl-2282	587	3	’s	’s	PART
cjrl-2282	587	4	technological	technological	ADJ
cjrl-2282	587	5	environment	environment	NOUN
cjrl-2282	587	6	,	,	PUNCT
cjrl-2282	587	7	i	i	PRON
cjrl-2282	587	8	do	do	AUX
cjrl-2282	587	9	not	not	PART
cjrl-2282	587	10	think	think	VERB
cjrl-2282	587	11	that	that	SCONJ
cjrl-2282	587	12	this	this	PRON
cjrl-2282	587	13	would	would	AUX
cjrl-2282	587	14	be	be	AUX
cjrl-2282	587	15	hard	hard	ADJ
cjrl-2282	587	16	at	at	ADV
cjrl-2282	587	17	all	all	ADV
cjrl-2282	587	18	.	.	PUNCT
cjrl-2282	588	1	banks	bank	NOUN
cjrl-2282	588	2	have	have	AUX
cjrl-2282	588	3	been	be	AUX
cjrl-2282	588	4	forced	force	VERB
cjrl-2282	588	5	to	to	PART
cjrl-2282	588	6	ramp	ramp	VERB
cjrl-2282	588	7	up	up	ADP
cjrl-2282	588	8	their	their	PRON
cjrl-2282	588	9	use	use	NOUN
cjrl-2282	588	10	of	of	ADP
cjrl-2282	588	11	sophisticated	sophisticated	ADJ
cjrl-2282	588	12	technology	technology	NOUN
cjrl-2282	588	13	in	in	ADP
cjrl-2282	588	14	order	order	NOUN
cjrl-2282	588	15	to	to	PART
cjrl-2282	588	16	achieve	achieve	VERB
cjrl-2282	588	17	the	the	DET
cjrl-2282	588	18	objectives	objective	NOUN
cjrl-2282	588	19	of	of	ADP
cjrl-2282	588	20	rules	rule	NOUN
cjrl-2282	588	21	of	of	ADP
cjrl-2282	588	22	regulators	regulator	NOUN
cjrl-2282	588	23	and	and	CCONJ
cjrl-2282	588	24	judges	judge	NOUN
cjrl-2282	588	25	for	for	ADP
cjrl-2282	588	26	various	various	ADJ
cjrl-2282	588	27	other	other	ADJ
cjrl-2282	588	28	purposes	purpose	NOUN
cjrl-2282	588	29	.	.	PUNCT
cjrl-2282	589	1	in	in	ADP
cjrl-2282	589	2	fact	fact	NOUN
cjrl-2282	589	3	,	,	PUNCT
cjrl-2282	589	4	the	the	DET
cjrl-2282	589	5	federal	federal	ADJ
cjrl-2282	589	6	regulation	regulation	NOUN
cjrl-2282	589	7	that	that	PRON
cjrl-2282	589	8	first	first	ADV
cjrl-2282	589	9	required	require	VERB
cjrl-2282	589	10	expedited	expedite	VERB
cjrl-2282	589	11	check	check	NOUN
cjrl-2282	589	12	collection	collection	NOUN
cjrl-2282	589	13	stated	state	VERB
cjrl-2282	589	14	that	that	SCONJ
cjrl-2282	589	15	the	the	DET
cjrl-2282	589	16	law	law	NOUN
cjrl-2282	589	17	was	be	AUX
cjrl-2282	589	18	timely	timely	ADJ
cjrl-2282	589	19	because	because	SCONJ
cjrl-2282	589	20	the	the	DET
cjrl-2282	589	21	banks	bank	NOUN
cjrl-2282	589	22	had	have	VERB
cjrl-2282	589	23	the	the	DET
cjrl-2282	589	24	available	available	ADJ
cjrl-2282	589	25	technology	technology	NOUN
cjrl-2282	589	26	to	to	PART
cjrl-2282	589	27	implement	implement	VERB
cjrl-2282	589	28	the	the	DET
cjrl-2282	589	29	changes	change	NOUN
cjrl-2282	589	30	and	and	CCONJ
cjrl-2282	589	31	that	that	SCONJ
cjrl-2282	589	32	additional	additional	ADJ
cjrl-2282	589	33	regulations	regulation	NOUN
cjrl-2282	589	34	would	would	AUX
cjrl-2282	589	35	follow	follow	VERB
cjrl-2282	589	36	as	as	ADP
cjrl-2282	589	37	technology	technology	NOUN
cjrl-2282	589	38	improved	improve	VERB
cjrl-2282	589	39	over	over	ADP
cjrl-2282	589	40	time	time	NOUN
cjrl-2282	589	41	.	.	PUNCT
cjrl-2282	590	1	this	this	DET
cjrl-2282	590	2	same	same	ADJ
cjrl-2282	590	3	technology	technology	NOUN
cjrl-2282	590	4	can	can	AUX
cjrl-2282	590	5	be	be	AUX
cjrl-2282	590	6	employed	employ	VERB
cjrl-2282	590	7	for	for	ADP
cjrl-2282	590	8	this	this	DET
cjrl-2282	590	9	purpose	purpose	NOUN
cjrl-2282	590	10	,	,	PUNCT
cjrl-2282	590	11	as	as	SCONJ
cjrl-2282	590	12	well.144	well.144	PROPN
cjrl-2282	590	13	modern	modern	ADJ
cjrl-2282	590	14	pre	pre	ADJ
cjrl-2282	590	15	-	-	ADJ
cjrl-2282	590	16	printed	printed	ADJ
cjrl-2282	590	17	checks	check	NOUN
cjrl-2282	590	18	are	be	AUX
cjrl-2282	590	19	embedded	embed	VERB
cjrl-2282	590	20	with	with	ADP
cjrl-2282	590	21	magnetic	magnetic	ADJ
cjrl-2282	590	22	ink	ink	NOUN
cjrl-2282	590	23	character	character	NOUN
cjrl-2282	590	24	recognition	recognition	NOUN
cjrl-2282	590	25	software	software	NOUN
cjrl-2282	590	26	(	(	PUNCT
cjrl-2282	590	27	micr	micr	NOUN
cjrl-2282	590	28	codes	code	NOUN
cjrl-2282	590	29	)	)	PUNCT
cjrl-2282	590	30	that	that	PRON
cjrl-2282	590	31	allow	allow	VERB
cjrl-2282	590	32	banks	bank	NOUN
cjrl-2282	590	33	to	to	PART
cjrl-2282	590	34	encode	encode	VERB
cjrl-2282	590	35	information	information	NOUN
cjrl-2282	590	36	into	into	ADP
cjrl-2282	590	37	checks	check	NOUN
cjrl-2282	590	38	and	and	CCONJ
cjrl-2282	590	39	to	to	PART
cjrl-2282	590	40	retrieve	retrieve	VERB
cjrl-2282	590	41	it	it	PRON
cjrl-2282	590	42	later	later	ADV
cjrl-2282	590	43	.	.	PUNCT
cjrl-2282	591	1	for	for	ADP
cjrl-2282	591	2	example	example	NOUN
cjrl-2282	591	3	,	,	PUNCT
cjrl-2282	591	4	checks	check	NOUN
cjrl-2282	591	5	are	be	AUX
cjrl-2282	591	6	now	now	ADV
cjrl-2282	591	7	pre	pre	ADJ
cjrl-2282	591	8	-	-	VERB
cjrl-2282	591	9	printed	printed	ADJ
cjrl-2282	591	10	so	so	SCONJ
cjrl-2282	591	11	that	that	SCONJ
cjrl-2282	591	12	their	their	PRON
cjrl-2282	591	13	micr	micr	NOUN
cjrl-2282	591	14	lines	line	NOUN
cjrl-2282	591	15	are	be	AUX
cjrl-2282	591	16	populated	populate	VERB
cjrl-2282	591	17	with	with	ADP
cjrl-2282	591	18	information	information	NOUN
cjrl-2282	591	19	such	such	ADJ
cjrl-2282	591	20	as	as	ADP
cjrl-2282	591	21	the	the	DET
cjrl-2282	591	22	bank	bank	NOUN
cjrl-2282	591	23	’s	’s	PART
cjrl-2282	591	24	american	american	PROPN
cjrl-2282	591	25	banking	banking	PROPN
cjrl-2282	591	26	association	association	NOUN
cjrl-2282	591	27	routing	routing	NOUN
cjrl-2282	591	28	number	number	NOUN
cjrl-2282	591	29	,	,	PUNCT
cjrl-2282	591	30	the	the	DET
cjrl-2282	591	31	customer	customer	NOUN
cjrl-2282	591	32	’s	’s	PART
cjrl-2282	591	33	checking	check	VERB
cjrl-2282	591	34	account	account	NOUN
cjrl-2282	591	35	number	number	NOUN
cjrl-2282	591	36	,	,	PUNCT
cjrl-2282	591	37	and	and	CCONJ
cjrl-2282	591	38	the	the	DET
cjrl-2282	591	39	check	check	NOUN
cjrl-2282	591	40	number	number	NOUN
cjrl-2282	591	41	.	.	PUNCT
cjrl-2282	592	1	additional	additional	ADJ
cjrl-2282	592	2	information	information	NOUN
cjrl-2282	592	3	can	can	AUX
cjrl-2282	592	4	be	be	AUX
cjrl-2282	592	5	added	add	VERB
cjrl-2282	592	6	to	to	ADP
cjrl-2282	592	7	the	the	DET
cjrl-2282	592	8	check	check	NOUN
cjrl-2282	592	9	throughout	throughout	ADP
cjrl-2282	592	10	its	its	PRON
cjrl-2282	592	11	life	life	NOUN
cjrl-2282	592	12	as	as	ADV
cjrl-2282	592	13	well	well	ADV
cjrl-2282	592	14	,	,	PUNCT
cjrl-2282	592	15	such	such	ADJ
cjrl-2282	592	16	as	as	ADP
cjrl-2282	592	17	when	when	SCONJ
cjrl-2282	592	18	the	the	DET
cjrl-2282	592	19	amount	amount	NOUN
cjrl-2282	592	20	of	of	ADP
cjrl-2282	592	21	the	the	DET
cjrl-2282	592	22	check	check	NOUN
cjrl-2282	592	23	has	have	AUX
cjrl-2282	592	24	been	be	AUX
cjrl-2282	592	25	added	add	VERB
cjrl-2282	592	26	after	after	SCONJ
cjrl-2282	592	27	it	it	PRON
cjrl-2282	592	28	has	have	AUX
cjrl-2282	592	29	been	be	AUX
cjrl-2282	592	30	presented	present	VERB
cjrl-2282	592	31	and	and	CCONJ
cjrl-2282	592	32	paid	pay	VERB
cjrl-2282	592	33	;	;	PUNCT
cjrl-2282	592	34	or	or	CCONJ
cjrl-2282	592	35	when	when	SCONJ
cjrl-2282	592	36	additional	additional	ADJ
cjrl-2282	592	37	bank	bank	NOUN
cjrl-2282	592	38	endorsements	endorsement	NOUN
cjrl-2282	592	39	are	be	AUX
cjrl-2282	592	40	made	make	VERB
cjrl-2282	592	41	on	on	ADP
cjrl-2282	592	42	the	the	DET
cjrl-2282	592	43	back	back	NOUN
cjrl-2282	592	44	of	of	ADP
cjrl-2282	592	45	checks	check	NOUN
cjrl-2282	592	46	during	during	ADP
cjrl-2282	592	47	the	the	DET
cjrl-2282	592	48	collection	collection	NOUN
cjrl-2282	592	49	process	process	NOUN
cjrl-2282	592	50	.	.	PUNCT
cjrl-2282	593	1	using	use	VERB
cjrl-2282	593	2	this	this	DET
cjrl-2282	593	3	existing	exist	VERB
cjrl-2282	593	4	technology	technology	NOUN
cjrl-2282	593	5	,	,	PUNCT
cjrl-2282	593	6	micr	micr	PROPN
cjrl-2282	593	7	code	code	NOUN
cjrl-2282	593	8	positions	position	NOUN
cjrl-2282	593	9	could	could	AUX
cjrl-2282	593	10	be	be	AUX
cjrl-2282	593	11	dedicated	dedicate	VERB
cjrl-2282	593	12	for	for	ADP
cjrl-2282	593	13	use	use	NOUN
cjrl-2282	593	14	whenever	whenever	SCONJ
cjrl-2282	593	15	a	a	DET
cjrl-2282	593	16	check	check	NOUN
cjrl-2282	593	17	that	that	PRON
cjrl-2282	593	18	has	have	AUX
cjrl-2282	593	19	been	be	AUX
cjrl-2282	593	20	deposited	deposit	VERB
cjrl-2282	593	21	has	have	VERB
cjrl-2282	593	22	a	a	DET
cjrl-2282	593	23	due	due	ADJ
cjrl-2282	593	24	date	date	NOUN
cjrl-2282	593	25	that	that	PRON
cjrl-2282	593	26	is	be	AUX
cjrl-2282	593	27	different	different	ADJ
cjrl-2282	593	28	from	from	ADP
cjrl-2282	593	29	its	its	PRON
cjrl-2282	593	30	issuance	issuance	NOUN
cjrl-2282	593	31	date	date	NOUN
cjrl-2282	593	32	.	.	PUNCT
cjrl-2282	594	1	144	144	NUM
cjrl-2282	594	2	expedited	expedite	VERB
cjrl-2282	594	3	funds	fund	NOUN
cjrl-2282	594	4	availability	availability	NOUN
cjrl-2282	594	5	act	act	NOUN
cjrl-2282	594	6	(	(	PUNCT
cjrl-2282	594	7	e.f.a.a	e.f.a.a	PROPN
cjrl-2282	594	8	.	.	PUNCT
cjrl-2282	594	9	)	)	PUNCT
cjrl-2282	594	10	,	,	PUNCT
cjrl-2282	594	11	supra	supra	NOUN
cjrl-2282	594	12	at	at	ADP
cjrl-2282	594	13	24	24	NUM
cjrl-2282	594	14	.	.	PUNCT
cjrl-2282	594	15	98	98	NUM
cjrl-2282	594	16	checking	check	VERB
cjrl-2282	594	17	out	out	ADP
cjrl-2282	594	18	the	the	DET
cjrl-2282	594	19	exception	exception	NOUN
cjrl-2282	594	20	to	to	ADP
cjrl-2282	594	21	3	3	NUM
cjrl-2282	594	22	-	-	SYM
cjrl-2282	594	23	104	104	NUM
cjrl-2282	594	24	vol	vol	NOUN
cjrl-2282	594	25	.	.	PUNCT
cjrl-2282	594	26	3:1	3:1	NUM
cjrl-2282	594	27	with	with	ADP
cjrl-2282	594	28	today	today	NOUN
cjrl-2282	594	29	’s	’s	PART
cjrl-2282	594	30	technology	technology	NOUN
cjrl-2282	594	31	,	,	PUNCT
cjrl-2282	594	32	a	a	DET
cjrl-2282	594	33	check	check	NOUN
cjrl-2282	594	34	that	that	PRON
cjrl-2282	594	35	is	be	AUX
cjrl-2282	594	36	issued	issue	VERB
cjrl-2282	594	37	today	today	NOUN
cjrl-2282	594	38	but	but	CCONJ
cjrl-2282	594	39	not	not	PART
cjrl-2282	594	40	properly	properly	ADV
cjrl-2282	594	41	payable	payable	ADJ
cjrl-2282	594	42	until	until	SCONJ
cjrl-2282	594	43	two	two	NUM
cjrl-2282	594	44	weeks	week	NOUN
cjrl-2282	594	45	from	from	ADP
cjrl-2282	594	46	now	now	ADV
cjrl-2282	594	47	could	could	AUX
cjrl-2282	594	48	be	be	AUX
cjrl-2282	594	49	deposited	deposit	VERB
cjrl-2282	594	50	for	for	ADP
cjrl-2282	594	51	collection	collection	NOUN
cjrl-2282	594	52	today	today	NOUN
cjrl-2282	594	53	(	(	PUNCT
cjrl-2282	594	54	instead	instead	ADV
cjrl-2282	594	55	of	of	ADP
cjrl-2282	594	56	waiting	wait	VERB
cjrl-2282	594	57	two	two	NUM
cjrl-2282	594	58	weeks	week	NOUN
cjrl-2282	594	59	to	to	PART
cjrl-2282	594	60	deposit	deposit	VERB
cjrl-2282	594	61	a	a	DET
cjrl-2282	594	62	post	post	ADJ
cjrl-2282	594	63	-	-	ADJ
cjrl-2282	594	64	dated	date	VERB
cjrl-2282	594	65	check	check	NOUN
cjrl-2282	594	66	)	)	PUNCT
cjrl-2282	594	67	,	,	PUNCT
cjrl-2282	594	68	and	and	CCONJ
cjrl-2282	594	69	the	the	DET
cjrl-2282	594	70	paying	pay	VERB
cjrl-2282	594	71	bank	bank	NOUN
cjrl-2282	594	72	could	could	AUX
cjrl-2282	594	73	input	input	VERB
cjrl-2282	594	74	the	the	DET
cjrl-2282	594	75	payment	payment	NOUN
cjrl-2282	594	76	date	date	NOUN
cjrl-2282	594	77	information	information	NOUN
cjrl-2282	594	78	that	that	PRON
cjrl-2282	594	79	would	would	AUX
cjrl-2282	594	80	result	result	VERB
cjrl-2282	594	81	in	in	ADP
cjrl-2282	594	82	the	the	DET
cjrl-2282	594	83	payment	payment	NOUN
cjrl-2282	594	84	of	of	ADP
cjrl-2282	594	85	the	the	DET
cjrl-2282	594	86	item	item	NOUN
cjrl-2282	594	87	on	on	ADP
cjrl-2282	594	88	the	the	DET
cjrl-2282	594	89	future	future	ADJ
cjrl-2282	594	90	date	date	NOUN
cjrl-2282	594	91	instead	instead	ADV
cjrl-2282	594	92	of	of	ADP
cjrl-2282	594	93	immediately	immediately	ADV
cjrl-2282	594	94	.	.	PUNCT
cjrl-2282	595	1	banks	bank	NOUN
cjrl-2282	595	2	could	could	AUX
cjrl-2282	595	3	program	program	VERB
cjrl-2282	595	4	available	available	ADJ
cjrl-2282	595	5	positions	position	NOUN
cjrl-2282	595	6	in	in	ADP
cjrl-2282	595	7	the	the	DET
cjrl-2282	595	8	micr	micr	NOUN
cjrl-2282	595	9	line	line	NOUN
cjrl-2282	595	10	or	or	CCONJ
cjrl-2282	595	11	use	use	VERB
cjrl-2282	595	12	other	other	ADJ
cjrl-2282	595	13	technology	technology	NOUN
cjrl-2282	595	14	already	already	ADV
cjrl-2282	595	15	being	be	AUX
cjrl-2282	595	16	used	use	VERB
cjrl-2282	595	17	during	during	ADP
cjrl-2282	595	18	the	the	DET
cjrl-2282	595	19	process	process	NOUN
cjrl-2282	595	20	of	of	ADP
cjrl-2282	595	21	posting	post	VERB
cjrl-2282	595	22	checks	check	NOUN
cjrl-2282	595	23	to	to	PART
cjrl-2282	595	24	correspond	correspond	VERB
cjrl-2282	595	25	to	to	ADP
cjrl-2282	595	26	the	the	DET
cjrl-2282	595	27	due	due	ADJ
cjrl-2282	595	28	date	date	NOUN
cjrl-2282	595	29	for	for	ADP
cjrl-2282	595	30	the	the	DET
cjrl-2282	595	31	time	time	NOUN
cjrl-2282	595	32	instrument	instrument	NOUN
cjrl-2282	595	33	.	.	PUNCT
cjrl-2282	596	1	c.	c.	PROPN
cjrl-2282	596	2	general	general	PROPN
cjrl-2282	596	3	business	business	NOUN
cjrl-2282	596	4	objections	objection	NOUN
cjrl-2282	596	5	a	a	DET
cjrl-2282	596	6	final	final	ADJ
cjrl-2282	596	7	,	,	PUNCT
cjrl-2282	596	8	practical	practical	ADJ
cjrl-2282	596	9	objection	objection	NOUN
cjrl-2282	596	10	is	be	AUX
cjrl-2282	596	11	that	that	SCONJ
cjrl-2282	596	12	banks	bank	NOUN
cjrl-2282	596	13	simply	simply	ADV
cjrl-2282	596	14	may	may	AUX
cjrl-2282	596	15	not	not	PART
cjrl-2282	596	16	be	be	AUX
cjrl-2282	596	17	sure	sure	ADJ
cjrl-2282	596	18	that	that	SCONJ
cjrl-2282	596	19	a	a	DET
cjrl-2282	596	20	suitable	suitable	ADJ
cjrl-2282	596	21	business	business	NOUN
cjrl-2282	596	22	model	model	NOUN
cjrl-2282	596	23	can	can	AUX
cjrl-2282	596	24	be	be	AUX
cjrl-2282	596	25	developed	develop	VERB
cjrl-2282	596	26	.	.	PUNCT
cjrl-2282	597	1	banks	bank	NOUN
cjrl-2282	597	2	currently	currently	ADV
cjrl-2282	597	3	earn	earn	VERB
cjrl-2282	597	4	substantial	substantial	ADJ
cjrl-2282	597	5	revenue	revenue	NOUN
cjrl-2282	597	6	from	from	ADP
cjrl-2282	597	7	the	the	DET
cjrl-2282	597	8	fees	fee	NOUN
cjrl-2282	597	9	they	they	PRON
cjrl-2282	597	10	charge	charge	VERB
cjrl-2282	597	11	when	when	SCONJ
cjrl-2282	597	12	a	a	DET
cjrl-2282	597	13	consumer	consumer	NOUN
cjrl-2282	597	14	has	have	AUX
cjrl-2282	597	15	written	write	VERB
cjrl-2282	597	16	a	a	DET
cjrl-2282	597	17	check	check	NOUN
cjrl-2282	597	18	with	with	ADP
cjrl-2282	597	19	insufficient	insufficient	ADJ
cjrl-2282	597	20	funds	fund	NOUN
cjrl-2282	597	21	.	.	PUNCT
cjrl-2282	598	1	banks	bank	NOUN
cjrl-2282	598	2	will	will	AUX
cjrl-2282	598	3	charge	charge	VERB
cjrl-2282	598	4	fees	fee	NOUN
cjrl-2282	598	5	ranging	range	VERB
cjrl-2282	598	6	from	from	ADP
cjrl-2282	598	7	$	$	SYM
cjrl-2282	598	8	15	15	NUM
cjrl-2282	598	9	to	to	PART
cjrl-2282	598	10	$	$	SYM
cjrl-2282	598	11	40	40	NUM
cjrl-2282	598	12	per	per	ADP
cjrl-2282	598	13	check	check	NOUN
cjrl-2282	598	14	to	to	PART
cjrl-2282	598	15	avoid	avoid	VERB
cjrl-2282	598	16	bouncing	bounce	VERB
cjrl-2282	598	17	the	the	DET
cjrl-2282	598	18	check	check	NOUN
cjrl-2282	598	19	.	.	PUNCT
cjrl-2282	599	1	bank	bank	NOUN
cjrl-2282	599	2	service	service	NOUN
cjrl-2282	599	3	fees	fee	NOUN
cjrl-2282	599	4	are	be	AUX
cjrl-2282	599	5	a	a	DET
cjrl-2282	599	6	major	major	ADJ
cjrl-2282	599	7	source	source	NOUN
cjrl-2282	599	8	of	of	ADP
cjrl-2282	599	9	revenue	revenue	NOUN
cjrl-2282	599	10	for	for	ADP
cjrl-2282	599	11	banks	bank	NOUN
cjrl-2282	599	12	with	with	ADP
cjrl-2282	599	13	$	$	SYM
cjrl-2282	599	14	32.6	32.6	NUM
cjrl-2282	599	15	billion	billion	NUM
cjrl-2282	599	16	in	in	ADP
cjrl-2282	599	17	fees	fee	NOUN
cjrl-2282	599	18	collected	collect	VERB
cjrl-2282	599	19	in	in	ADP
cjrl-2282	599	20	2003.145	2003.145	NUM
cjrl-2282	599	21	banks	bank	NOUN
cjrl-2282	599	22	will	will	AUX
cjrl-2282	599	23	want	want	VERB
cjrl-2282	599	24	to	to	PART
cjrl-2282	599	25	charge	charge	VERB
cjrl-2282	599	26	a	a	DET
cjrl-2282	599	27	fee	fee	NOUN
cjrl-2282	599	28	for	for	ADP
cjrl-2282	599	29	the	the	DET
cjrl-2282	599	30	service	service	NOUN
cjrl-2282	599	31	,	,	PUNCT
cjrl-2282	599	32	no	no	ADV
cjrl-2282	599	33	doubt	doubt	ADV
cjrl-2282	599	34	,	,	PUNCT
cjrl-2282	599	35	so	so	SCONJ
cjrl-2282	599	36	vigilance	vigilance	NOUN
cjrl-2282	599	37	should	should	AUX
cjrl-2282	599	38	be	be	AUX
cjrl-2282	599	39	used	use	VERB
cjrl-2282	599	40	to	to	PART
cjrl-2282	599	41	make	make	VERB
cjrl-2282	599	42	sure	sure	ADJ
cjrl-2282	599	43	that	that	SCONJ
cjrl-2282	599	44	such	such	ADJ
cjrl-2282	599	45	fees	fee	NOUN
cjrl-2282	599	46	are	be	AUX
cjrl-2282	599	47	reasonable	reasonable	ADJ
cjrl-2282	599	48	and	and	CCONJ
cjrl-2282	599	49	subject	subject	ADJ
cjrl-2282	599	50	to	to	ADP
cjrl-2282	599	51	limitations	limitation	NOUN
cjrl-2282	599	52	akin	akin	ADJ
cjrl-2282	599	53	to	to	ADP
cjrl-2282	599	54	those	those	PRON
cjrl-2282	599	55	that	that	PRON
cjrl-2282	599	56	govern	govern	VERB
cjrl-2282	599	57	fees	fee	NOUN
cjrl-2282	599	58	for	for	ADP
cjrl-2282	599	59	stop	stop	VERB
cjrl-2282	599	60	payment	payment	NOUN
cjrl-2282	599	61	orders	order	NOUN
cjrl-2282	599	62	.	.	PUNCT
cjrl-2282	600	1	in	in	ADP
cjrl-2282	600	2	general	general	ADJ
cjrl-2282	600	3	,	,	PUNCT
cjrl-2282	600	4	however	however	ADV
cjrl-2282	600	5	,	,	PUNCT
cjrl-2282	600	6	i	i	PRON
cjrl-2282	600	7	have	have	VERB
cjrl-2282	600	8	no	no	DET
cjrl-2282	600	9	objection	objection	NOUN
cjrl-2282	600	10	to	to	ADP
cjrl-2282	600	11	a	a	DET
cjrl-2282	600	12	reasonable	reasonable	ADJ
cjrl-2282	600	13	fee	fee	NOUN
cjrl-2282	600	14	for	for	ADP
cjrl-2282	600	15	this	this	DET
cjrl-2282	600	16	new	new	ADJ
cjrl-2282	600	17	service	service	NOUN
cjrl-2282	600	18	.	.	PUNCT
cjrl-2282	601	1	no	no	ADV
cjrl-2282	601	2	matter	matter	ADV
cjrl-2282	601	3	the	the	DET
cjrl-2282	601	4	precise	precise	ADJ
cjrl-2282	601	5	reason	reason	NOUN
cjrl-2282	601	6	,	,	PUNCT
cjrl-2282	601	7	banks	bank	NOUN
cjrl-2282	601	8	will	will	AUX
cjrl-2282	601	9	undoubtedly	undoubtedly	ADV
cjrl-2282	601	10	need	need	VERB
cjrl-2282	601	11	to	to	PART
cjrl-2282	601	12	be	be	AUX
cjrl-2282	601	13	prodded	prod	VERB
cjrl-2282	601	14	to	to	PART
cjrl-2282	601	15	offer	offer	VERB
cjrl-2282	601	16	this	this	DET
cjrl-2282	601	17	option	option	NOUN
cjrl-2282	601	18	in	in	ADP
cjrl-2282	601	19	the	the	DET
cjrl-2282	601	20	form	form	NOUN
cjrl-2282	601	21	of	of	ADP
cjrl-2282	601	22	a	a	DET
cjrl-2282	601	23	new	new	ADJ
cjrl-2282	601	24	check	check	NOUN
cjrl-2282	601	25	with	with	ADP
cjrl-2282	601	26	a	a	DET
cjrl-2282	601	27	future	future	ADJ
cjrl-2282	601	28	due	due	ADJ
cjrl-2282	601	29	date	date	NOUN
cjrl-2282	601	30	,	,	PUNCT
cjrl-2282	601	31	especially	especially	ADV
cjrl-2282	601	32	given	give	VERB
cjrl-2282	601	33	the	the	DET
cjrl-2282	601	34	fact	fact	NOUN
cjrl-2282	601	35	that	that	SCONJ
cjrl-2282	601	36	they	they	PRON
cjrl-2282	601	37	have	have	AUX
cjrl-2282	601	38	not	not	PART
cjrl-2282	601	39	offered	offer	VERB
cjrl-2282	601	40	it	it	PRON
cjrl-2282	601	41	on	on	ADP
cjrl-2282	601	42	a	a	DET
cjrl-2282	601	43	voluntary	voluntary	ADJ
cjrl-2282	601	44	basis	basis	NOUN
cjrl-2282	601	45	heretofore	heretofore	NOUN
cjrl-2282	601	46	.	.	PUNCT
cjrl-2282	602	1	it	it	PRON
cjrl-2282	602	2	is	be	AUX
cjrl-2282	602	3	for	for	ADP
cjrl-2282	602	4	this	this	DET
cjrl-2282	602	5	reason	reason	NOUN
cjrl-2282	602	6	that	that	SCONJ
cjrl-2282	602	7	my	my	PRON
cjrl-2282	602	8	second	second	ADJ
cjrl-2282	602	9	recommendation	recommendation	NOUN
cjrl-2282	602	10	calls	call	VERB
cjrl-2282	602	11	for	for	SCONJ
cjrl-2282	602	12	a	a	DET
cjrl-2282	602	13	new	new	ADJ
cjrl-2282	602	14	federal	federal	ADJ
cjrl-2282	602	15	regulation	regulation	NOUN
cjrl-2282	602	16	to	to	PART
cjrl-2282	602	17	compel	compel	VERB
cjrl-2282	602	18	banks	bank	NOUN
cjrl-2282	602	19	to	to	PART
cjrl-2282	602	20	make	make	VERB
cjrl-2282	602	21	this	this	DET
cjrl-2282	602	22	new	new	ADJ
cjrl-2282	602	23	check	check	NOUN
cjrl-2282	602	24	available	available	ADJ
cjrl-2282	602	25	and	and	CCONJ
cjrl-2282	602	26	to	to	PART
cjrl-2282	602	27	honor	honor	VERB
cjrl-2282	602	28	them	they	PRON
cjrl-2282	602	29	according	accord	VERB
cjrl-2282	602	30	to	to	ADP
cjrl-2282	602	31	their	their	PRON
cjrl-2282	602	32	terms	term	NOUN
cjrl-2282	602	33	,	,	PUNCT
cjrl-2282	602	34	including	include	VERB
cjrl-2282	602	35	a	a	DET
cjrl-2282	602	36	term	term	NOUN
cjrl-2282	602	37	specifying	specify	VERB
cjrl-2282	602	38	timing	timing	NOUN
cjrl-2282	602	39	of	of	ADP
cjrl-2282	602	40	payment	payment	NOUN
cjrl-2282	602	41	.	.	PUNCT
cjrl-2282	603	1	vii	vii	PROPN
cjrl-2282	603	2	.	.	PROPN
cjrl-2282	603	3	summary	summary	NOUN
cjrl-2282	603	4	and	and	CCONJ
cjrl-2282	603	5	conclusion	conclusion	NOUN
cjrl-2282	603	6	check	check	VERB
cjrl-2282	603	7	collection	collection	NOUN
cjrl-2282	603	8	reform	reform	NOUN
cjrl-2282	603	9	at	at	ADP
cjrl-2282	603	10	the	the	DET
cjrl-2282	603	11	federal	federal	ADJ
cjrl-2282	603	12	level	level	NOUN
cjrl-2282	603	13	was	be	AUX
cjrl-2282	603	14	necessary	necessary	ADJ
cjrl-2282	603	15	because	because	SCONJ
cjrl-2282	603	16	of	of	ADP
cjrl-2282	603	17	the	the	DET
cjrl-2282	603	18	length	length	NOUN
cjrl-2282	603	19	of	of	ADP
cjrl-2282	603	20	time	time	NOUN
cjrl-2282	603	21	that	that	PRON
cjrl-2282	603	22	it	it	PRON
cjrl-2282	603	23	took	take	VERB
cjrl-2282	603	24	to	to	PART
cjrl-2282	603	25	collect	collect	VERB
cjrl-2282	603	26	checks	check	NOUN
cjrl-2282	603	27	under	under	ADP
cjrl-2282	603	28	the	the	DET
cjrl-2282	603	29	u.c.c	u.c.c	NOUN
cjrl-2282	603	30	.	.	PUNCT
cjrl-2282	603	31	,	,	PUNCT
cjrl-2282	603	32	but	but	CCONJ
cjrl-2282	603	33	because	because	SCONJ
cjrl-2282	603	34	the	the	DET
cjrl-2282	603	35	traditional	traditional	ADJ
cjrl-2282	603	36	check	check	NOUN
cjrl-2282	603	37	is	be	AUX
cjrl-2282	603	38	a	a	DET
cjrl-2282	603	39	demand	demand	NOUN
cjrl-2282	603	40	instrument	instrument	NOUN
cjrl-2282	603	41	and	and	CCONJ
cjrl-2282	603	42	,	,	PUNCT
cjrl-2282	603	43	therefore	therefore	ADV
cjrl-2282	603	44	,	,	PUNCT
cjrl-2282	603	45	payment	payment	NOUN
cjrl-2282	603	46	is	be	AUX
cjrl-2282	603	47	due	due	ADJ
cjrl-2282	603	48	immediately	immediately	ADV
cjrl-2282	603	49	to	to	ADP
cjrl-2282	603	50	the	the	DET
cjrl-2282	603	51	person	person	NOUN
cjrl-2282	603	52	entitled	entitle	VERB
cjrl-2282	603	53	to	to	PART
cjrl-2282	603	54	enforce	enforce	VERB
cjrl-2282	603	55	it	it	PRON
cjrl-2282	603	56	.	.	PUNCT
cjrl-2282	604	1	an	an	DET
cjrl-2282	604	2	instrument	instrument	NOUN
cjrl-2282	604	3	that	that	PRON
cjrl-2282	604	4	is	be	AUX
cjrl-2282	604	5	due	due	ADJ
cjrl-2282	604	6	immediately	immediately	ADV
cjrl-2282	604	7	should	should	AUX
cjrl-2282	604	8	be	be	AUX
cjrl-2282	604	9	capable	capable	ADJ
cjrl-2282	604	10	of	of	ADP
cjrl-2282	604	11	being	be	AUX
cjrl-2282	604	12	paid	pay	VERB
cjrl-2282	604	13	without	without	ADP
cjrl-2282	604	14	delay	delay	NOUN
cjrl-2282	604	15	,	,	PUNCT
cjrl-2282	604	16	and	and	CCONJ
cjrl-2282	604	17	certainly	certainly	ADV
cjrl-2282	604	18	in	in	ADP
cjrl-2282	604	19	less	less	ADJ
cjrl-2282	604	20	than	than	ADP
cjrl-2282	604	21	two	two	NUM
cjrl-2282	604	22	weeks	week	NOUN
cjrl-2282	604	23	,	,	PUNCT
cjrl-2282	604	24	or	or	CCONJ
cjrl-2282	604	25	even	even	ADV
cjrl-2282	604	26	one	one	NUM
cjrl-2282	604	27	week	week	NOUN
cjrl-2282	604	28	.	.	PUNCT
cjrl-2282	605	1	demand	demand	NOUN
cjrl-2282	605	2	instruments	instrument	NOUN
cjrl-2282	605	3	are	be	AUX
cjrl-2282	605	4	due	due	ADJ
cjrl-2282	605	5	immediately	immediately	ADV
cjrl-2282	605	6	,	,	PUNCT
cjrl-2282	605	7	and	and	CCONJ
cjrl-2282	605	8	yet	yet	ADV
cjrl-2282	605	9	it	it	PRON
cjrl-2282	605	10	was	be	AUX
cjrl-2282	605	11	impossible	impossible	ADJ
cjrl-2282	605	12	for	for	SCONJ
cjrl-2282	605	13	payees	payee	NOUN
cjrl-2282	605	14	to	to	PART
cjrl-2282	605	15	receive	receive	VERB
cjrl-2282	605	16	payment	payment	NOUN
cjrl-2282	605	17	immediately	immediately	ADV
cjrl-2282	605	18	using	use	VERB
cjrl-2282	605	19	the	the	DET
cjrl-2282	605	20	traditional	traditional	ADJ
cjrl-2282	605	21	system	system	NOUN
cjrl-2282	605	22	of	of	ADP
cjrl-2282	605	23	slow	slow	ADJ
cjrl-2282	605	24	bank	bank	NOUN
cjrl-2282	605	25	collections	collection	NOUN
cjrl-2282	605	26	.	.	PUNCT
cjrl-2282	606	1	it	it	PRON
cjrl-2282	606	2	is	be	AUX
cjrl-2282	606	3	axiomatic	axiomatic	ADJ
cjrl-2282	606	4	to	to	PART
cjrl-2282	606	5	say	say	VERB
cjrl-2282	606	6	that	that	SCONJ
cjrl-2282	606	7	a	a	DET
cjrl-2282	606	8	law	law	NOUN
cjrl-2282	606	9	that	that	PRON
cjrl-2282	606	10	is	be	AUX
cjrl-2282	606	11	incapable	incapable	ADJ
cjrl-2282	606	12	of	of	ADP
cjrl-2282	606	13	being	be	AUX
cjrl-2282	606	14	enforced	enforce	VERB
cjrl-2282	606	15	is	be	AUX
cjrl-2282	606	16	bad	bad	ADJ
cjrl-2282	606	17	law	law	NOUN
cjrl-2282	606	18	.	.	PUNCT
cjrl-2282	607	1	similarly	similarly	ADV
cjrl-2282	607	2	,	,	PUNCT
cjrl-2282	607	3	a	a	DET
cjrl-2282	607	4	right	right	NOUN
cjrl-2282	607	5	that	that	PRON
cjrl-2282	607	6	can	can	AUX
cjrl-2282	607	7	not	not	PART
cjrl-2282	607	8	be	be	AUX
cjrl-2282	607	9	enjoyed	enjoy	VERB
cjrl-2282	607	10	is	be	AUX
cjrl-2282	607	11	a	a	DET
cjrl-2282	607	12	wrong	wrong	NOUN
cjrl-2282	607	13	.	.	PUNCT
cjrl-2282	608	1	the	the	DET
cjrl-2282	608	2	reason	reason	NOUN
cjrl-2282	608	3	the	the	DET
cjrl-2282	608	4	reforms	reform	NOUN
cjrl-2282	608	5	to	to	ADP
cjrl-2282	608	6	the	the	DET
cjrl-2282	608	7	check	check	NOUN
cjrl-2282	608	8	collection	collection	NOUN
cjrl-2282	608	9	timing	timing	NOUN
cjrl-2282	608	10	rules	rule	NOUN
cjrl-2282	608	11	are	be	AUX
cjrl-2282	608	12	problematic	problematic	ADJ
cjrl-2282	608	13	is	be	AUX
cjrl-2282	608	14	not	not	PART
cjrl-2282	608	15	because	because	SCONJ
cjrl-2282	608	16	they	they	PRON
cjrl-2282	608	17	are	be	AUX
cjrl-2282	608	18	not	not	PART
cjrl-2282	608	19	necessary	necessary	ADJ
cjrl-2282	608	20	—	—	PUNCT
cjrl-2282	608	21	they	they	PRON
cjrl-2282	608	22	were	be	AUX
cjrl-2282	608	23	.	.	PUNCT
cjrl-2282	609	1	rather	rather	ADV
cjrl-2282	609	2	,	,	PUNCT
cjrl-2282	609	3	the	the	DET
cjrl-2282	609	4	problem	problem	NOUN
cjrl-2282	609	5	is	be	AUX
cjrl-2282	609	6	that	that	SCONJ
cjrl-2282	609	7	they	they	PRON
cjrl-2282	609	8	were	be	AUX
cjrl-2282	609	9	implemented	implement	VERB
cjrl-2282	609	10	as	as	SCONJ
cjrl-2282	609	11	though	though	SCONJ
cjrl-2282	609	12	they	they	PRON
cjrl-2282	609	13	existed	exist	VERB
cjrl-2282	609	14	in	in	ADP
cjrl-2282	609	15	a	a	DET
cjrl-2282	609	16	vacuum	vacuum	NOUN
cjrl-2282	609	17	and	and	CCONJ
cjrl-2282	609	18	without	without	ADP
cjrl-2282	609	19	a	a	DET
cjrl-2282	609	20	full	full	ADJ
cjrl-2282	609	21	understanding	understanding	NOUN
cjrl-2282	609	22	of	of	ADP
cjrl-2282	609	23	all	all	PRON
cjrl-2282	609	24	of	of	ADP
cjrl-2282	609	25	the	the	DET
cjrl-2282	609	26	formal	formal	ADJ
cjrl-2282	609	27	and	and	CCONJ
cjrl-2282	609	28	informal	informal	ADJ
cjrl-2282	609	29	dynamics	dynamic	NOUN
cjrl-2282	609	30	within	within	ADP
cjrl-2282	609	31	the	the	DET
cjrl-2282	609	32	old	old	ADJ
cjrl-2282	609	33	system	system	NOUN
cjrl-2282	609	34	.	.	PUNCT
cjrl-2282	610	1	i	i	PRON
cjrl-2282	610	2	think	think	VERB
cjrl-2282	610	3	that	that	SCONJ
cjrl-2282	610	4	it	it	PRON
cjrl-2282	610	5	is	be	AUX
cjrl-2282	610	6	very	very	ADV
cjrl-2282	610	7	important	important	ADJ
cjrl-2282	610	8	to	to	PART
cjrl-2282	610	9	consider	consider	VERB
cjrl-2282	610	10	that	that	SCONJ
cjrl-2282	610	11	consumers	consumer	NOUN
cjrl-2282	610	12	were	be	AUX
cjrl-2282	610	13	accustomed	accustomed	ADJ
cjrl-2282	610	14	to	to	ADP
cjrl-2282	610	15	,	,	PUNCT
cjrl-2282	610	16	and	and	CCONJ
cjrl-2282	610	17	continued	continue	VERB
cjrl-2282	610	18	to	to	PART
cjrl-2282	610	19	need	need	VERB
cjrl-2282	610	20	,	,	PUNCT
cjrl-2282	610	21	checks	check	NOUN
cjrl-2282	610	22	that	that	PRON
cjrl-2282	610	23	were	be	AUX
cjrl-2282	610	24	collected	collect	VERB
cjrl-2282	610	25	more	more	ADV
cjrl-2282	610	26	slowly	slowly	ADV
cjrl-2282	610	27	than	than	SCONJ
cjrl-2282	610	28	they	they	PRON
cjrl-2282	610	29	were	be	AUX
cjrl-2282	610	30	under	under	ADP
cjrl-2282	610	31	the	the	DET
cjrl-2282	610	32	new	new	ADJ
cjrl-2282	610	33	expedited	expedite	VERB
cjrl-2282	610	34	collection	collection	NOUN
cjrl-2282	610	35	regulations	regulation	NOUN
cjrl-2282	610	36	ushered	usher	VERB
cjrl-2282	610	37	in	in	ADP
cjrl-2282	610	38	by	by	ADP
cjrl-2282	610	39	the	the	DET
cjrl-2282	610	40	reforms	reform	NOUN
cjrl-2282	610	41	.	.	PUNCT
cjrl-2282	611	1	the	the	DET
cjrl-2282	611	2	federal	federal	PROPN
cjrl-2282	611	3	reserve	reserve	PROPN
cjrl-2282	611	4	governing	governing	NOUN
cjrl-2282	611	5	board	board	NOUN
cjrl-2282	611	6	failed	fail	VERB
cjrl-2282	611	7	to	to	PART
cjrl-2282	611	8	provide	provide	VERB
cjrl-2282	611	9	for	for	ADP
cjrl-2282	611	10	the	the	DET
cjrl-2282	611	11	ongoing	ongoing	ADJ
cjrl-2282	611	12	demand	demand	NOUN
cjrl-2282	611	13	by	by	ADP
cjrl-2282	611	14	consumers	consumer	NOUN
cjrl-2282	611	15	for	for	ADP
cjrl-2282	611	16	a	a	DET
cjrl-2282	611	17	financial	financial	ADJ
cjrl-2282	611	18	product	product	NOUN
cjrl-2282	611	19	that	that	PRON
cjrl-2282	611	20	was	be	AUX
cjrl-2282	611	21	a	a	DET
cjrl-2282	611	22	replacement	replacement	NOUN
cjrl-2282	611	23	for	for	ADP
cjrl-2282	611	24	the	the	DET
cjrl-2282	611	25	old	old	ADJ
cjrl-2282	611	26	slow	slow	ADJ
cjrl-2282	611	27	-	-	PUNCT
cjrl-2282	611	28	to	to	PART
cjrl-2282	611	29	-	-	PUNCT
cjrl-2282	611	30	be	be	AUX
cjrl-2282	611	31	-	-	PUNCT
cjrl-2282	611	32	collected	collect	VERB
cjrl-2282	611	33	check	check	NOUN
cjrl-2282	611	34	,	,	PUNCT
cjrl-2282	611	35	but	but	CCONJ
cjrl-2282	611	36	that	that	PRON
cjrl-2282	611	37	was	be	AUX
cjrl-2282	611	38	still	still	ADV
cjrl-2282	611	39	a	a	DET
cjrl-2282	611	40	check	check	NOUN
cjrl-2282	611	41	,	,	PUNCT
cjrl-2282	611	42	not	not	PART
cjrl-2282	611	43	something	something	PRON
cjrl-2282	611	44	else	else	ADV
cjrl-2282	611	45	!	!	PUNCT
cjrl-2282	612	1	specifically	specifically	ADV
cjrl-2282	612	2	,	,	PUNCT
cjrl-2282	612	3	consumers	consumer	NOUN
cjrl-2282	612	4	needed	need	VERB
cjrl-2282	612	5	a	a	DET
cjrl-2282	612	6	check	check	NOUN
cjrl-2282	612	7	that	that	PRON
cjrl-2282	612	8	was	be	AUX
cjrl-2282	612	9	not	not	PART
cjrl-2282	612	10	payable	payable	ADJ
cjrl-2282	612	11	immediately	immediately	ADV
cjrl-2282	612	12	.	.	PUNCT
cjrl-2282	613	1	the	the	DET
cjrl-2282	613	2	controlling	control	VERB
cjrl-2282	613	3	law	law	NOUN
cjrl-2282	613	4	governing	govern	VERB
cjrl-2282	613	5	the	the	DET
cjrl-2282	613	6	creation	creation	NOUN
cjrl-2282	613	7	of	of	ADP
cjrl-2282	613	8	different	different	ADJ
cjrl-2282	613	9	types	type	NOUN
cjrl-2282	613	10	of	of	ADP
cjrl-2282	613	11	negotiable	negotiable	ADJ
cjrl-2282	613	12	instruments	instrument	NOUN
cjrl-2282	613	13	,	,	PUNCT
cjrl-2282	613	14	including	include	VERB
cjrl-2282	613	15	checks	check	NOUN
cjrl-2282	613	16	,	,	PUNCT
cjrl-2282	613	17	is	be	AUX
cjrl-2282	613	18	still	still	ADV
cjrl-2282	613	19	u.c.c	u.c.c	ADJ
cjrl-2282	613	20	.	.	PUNCT
cjrl-2282	614	1	article	article	NOUN
cjrl-2282	614	2	3	3	NUM
cjrl-2282	614	3	.	.	PUNCT
cjrl-2282	615	1	under	under	ADP
cjrl-2282	615	2	article	article	NOUN
cjrl-2282	615	3	3	3	NUM
cjrl-2282	615	4	,	,	PUNCT
cjrl-2282	615	5	there	there	PRON
cjrl-2282	615	6	is	be	VERB
cjrl-2282	615	7	no	no	DET
cjrl-2282	615	8	requirement	requirement	NOUN
cjrl-2282	615	9	that	that	SCONJ
cjrl-2282	615	10	checks	check	NOUN
cjrl-2282	615	11	must	must	AUX
cjrl-2282	615	12	be	be	AUX
cjrl-2282	615	13	payable	payable	ADJ
cjrl-2282	615	14	on	on	ADP
cjrl-2282	615	15	demand	demand	NOUN
cjrl-2282	615	16	.	.	PUNCT
cjrl-2282	616	1	although	although	SCONJ
cjrl-2282	616	2	they	they	PRON
cjrl-2282	616	3	are	be	AUX
cjrl-2282	616	4	never	never	ADV
cjrl-2282	616	5	created	create	VERB
cjrl-2282	616	6	as	as	ADP
cjrl-2282	616	7	such	such	ADJ
cjrl-2282	616	8	,	,	PUNCT
cjrl-2282	616	9	consumer	consumer	NOUN
cjrl-2282	616	10	transactions	transaction	NOUN
cjrl-2282	616	11	could	could	AUX
cjrl-2282	616	12	be	be	AUX
cjrl-2282	616	13	completed	complete	VERB
cjrl-2282	616	14	145	145	NUM
cjrl-2282	616	15	see	see	NOUN
cjrl-2282	616	16	thomas	thomas	PROPN
cjrl-2282	616	17	p.	p.	PROPN
cjrl-2282	616	18	lehman	lehman	PROPN
cjrl-2282	616	19	,	,	PUNCT
cjrl-2282	616	20	contrasting	contrast	VERB
cjrl-2282	616	21	payday	payday	NOUN
cjrl-2282	616	22	loans	loan	NOUN
cjrl-2282	616	23	to	to	PART
cjrl-2282	616	24	bounced	bounce	VERB
cjrl-2282	616	25	check	check	NOUN
cjrl-2282	616	26	fees	fee	NOUN
cjrl-2282	616	27	,	,	PUNCT
cjrl-2282	616	28	consumer	consumer	NOUN
cjrl-2282	616	29	credit	credit	NOUN
cjrl-2282	616	30	research	research	NOUN
cjrl-2282	616	31	foundation	foundation	NOUN
cjrl-2282	616	32	,	,	PUNCT
cjrl-2282	616	33	http://www.creditresearch.org/editor/assets/files/050608contrastingpdayloans.pdf	http://www.creditresearch.org/editor/assets/files/050608contrastingpdayloans.pdf	PROPN
cjrl-2282	616	34	(	(	PUNCT
cjrl-2282	616	35	last	last	ADV
cjrl-2282	616	36	visited	visit	VERB
cjrl-2282	616	37	nov	nov	PROPN
cjrl-2282	616	38	.	.	PROPN
cjrl-2282	616	39	25	25	NUM
cjrl-2282	616	40	,	,	PUNCT
cjrl-2282	616	41	2012	2012	NUM
cjrl-2282	616	42	)	)	PUNCT
cjrl-2282	616	43	.	.	PUNCT
cjrl-2282	617	1	2013	2013	NUM
cjrl-2282	617	2	columbia	columbia	PROPN
cjrl-2282	617	3	journal	journal	PROPN
cjrl-2282	617	4	of	of	ADP
cjrl-2282	617	5	race	race	NOUN
cjrl-2282	617	6	and	and	CCONJ
cjrl-2282	617	7	law	law	NOUN
cjrl-2282	617	8	99	99	NUM
cjrl-2282	617	9	using	use	VERB
cjrl-2282	617	10	checks	check	NOUN
cjrl-2282	617	11	that	that	PRON
cjrl-2282	617	12	are	be	AUX
cjrl-2282	617	13	issued	issue	VERB
cjrl-2282	617	14	on	on	ADP
cjrl-2282	617	15	demand	demand	NOUN
cjrl-2282	617	16	with	with	ADP
cjrl-2282	617	17	due	due	ADJ
cjrl-2282	617	18	dates	date	NOUN
cjrl-2282	617	19	just	just	ADV
cjrl-2282	617	20	as	as	ADV
cjrl-2282	617	21	readily	readily	ADV
cjrl-2282	617	22	as	as	SCONJ
cjrl-2282	617	23	when	when	SCONJ
cjrl-2282	617	24	they	they	PRON
cjrl-2282	617	25	are	be	AUX
cjrl-2282	617	26	issued	issue	VERB
cjrl-2282	617	27	without	without	ADP
cjrl-2282	617	28	due	due	ADJ
cjrl-2282	617	29	dates	date	NOUN
cjrl-2282	617	30	.	.	PUNCT
cjrl-2282	618	1	clearly	clearly	ADV
cjrl-2282	618	2	,	,	PUNCT
cjrl-2282	618	3	consumers	consumer	NOUN
cjrl-2282	618	4	’	'	PUNCT
cjrl-2282	618	5	behavior	behavior	NOUN
cjrl-2282	618	6	changed	change	VERB
cjrl-2282	618	7	dramatically	dramatically	ADV
cjrl-2282	618	8	in	in	ADP
cjrl-2282	618	9	ways	way	NOUN
cjrl-2282	618	10	that	that	PRON
cjrl-2282	618	11	have	have	AUX
cjrl-2282	618	12	hurt	hurt	VERB
cjrl-2282	618	13	the	the	DET
cjrl-2282	618	14	u.s	u.s	PROPN
cjrl-2282	618	15	.	.	PROPN
cjrl-2282	618	16	economy	economy	NOUN
cjrl-2282	618	17	and	and	CCONJ
cjrl-2282	618	18	have	have	AUX
cjrl-2282	618	19	contributed	contribute	VERB
cjrl-2282	618	20	to	to	ADP
cjrl-2282	618	21	the	the	DET
cjrl-2282	618	22	current	current	ADJ
cjrl-2282	618	23	economic	economic	ADJ
cjrl-2282	618	24	crisis	crisis	NOUN
cjrl-2282	618	25	.	.	PUNCT
cjrl-2282	619	1	these	these	DET
cjrl-2282	619	2	changes	change	NOUN
cjrl-2282	619	3	are	be	AUX
cjrl-2282	619	4	traceable	traceable	ADJ
cjrl-2282	619	5	,	,	PUNCT
cjrl-2282	619	6	at	at	ADP
cjrl-2282	619	7	least	least	ADJ
cjrl-2282	619	8	in	in	ADP
cjrl-2282	619	9	part	part	NOUN
cjrl-2282	619	10	,	,	PUNCT
cjrl-2282	619	11	to	to	ADP
cjrl-2282	619	12	consumer	consumer	NOUN
cjrl-2282	619	13	demand	demand	NOUN
cjrl-2282	619	14	for	for	ADP
cjrl-2282	619	15	short	short	ADJ
cjrl-2282	619	16	amounts	amount	NOUN
cjrl-2282	619	17	of	of	ADP
cjrl-2282	619	18	time	time	NOUN
cjrl-2282	619	19	delays	delay	NOUN
cjrl-2282	619	20	between	between	ADP
cjrl-2282	619	21	the	the	DET
cjrl-2282	619	22	time	time	NOUN
cjrl-2282	619	23	of	of	ADP
cjrl-2282	619	24	their	their	PRON
cjrl-2282	619	25	transaction	transaction	NOUN
cjrl-2282	619	26	and	and	CCONJ
cjrl-2282	619	27	the	the	DET
cjrl-2282	619	28	time	time	NOUN
cjrl-2282	619	29	when	when	SCONJ
cjrl-2282	619	30	payment	payment	NOUN
cjrl-2282	619	31	is	be	AUX
cjrl-2282	619	32	completed	complete	VERB
cjrl-2282	619	33	.	.	PUNCT
cjrl-2282	620	1	what	what	PRON
cjrl-2282	620	2	payday	payday	NOUN
cjrl-2282	620	3	loan	loan	NOUN
cjrl-2282	620	4	store	store	NOUN
cjrl-2282	620	5	operators	operator	NOUN
cjrl-2282	620	6	seem	seem	VERB
cjrl-2282	620	7	to	to	PART
cjrl-2282	620	8	understand	understand	VERB
cjrl-2282	620	9	is	be	AUX
cjrl-2282	620	10	that	that	SCONJ
cjrl-2282	620	11	consumers	consumer	NOUN
cjrl-2282	620	12	need	need	VERB
cjrl-2282	620	13	a	a	DET
cjrl-2282	620	14	relatively	relatively	ADV
cjrl-2282	620	15	short	short	ADJ
cjrl-2282	620	16	amount	amount	NOUN
cjrl-2282	620	17	of	of	ADP
cjrl-2282	620	18	time	time	NOUN
cjrl-2282	620	19	before	before	SCONJ
cjrl-2282	620	20	they	they	PRON
cjrl-2282	620	21	have	have	VERB
cjrl-2282	620	22	money	money	NOUN
cjrl-2282	620	23	in	in	ADP
cjrl-2282	620	24	their	their	PRON
cjrl-2282	620	25	accounts	account	NOUN
cjrl-2282	620	26	that	that	PRON
cjrl-2282	620	27	is	be	AUX
cjrl-2282	620	28	roughly	roughly	ADV
cjrl-2282	620	29	equivalent	equivalent	ADJ
cjrl-2282	620	30	to	to	ADP
cjrl-2282	620	31	the	the	DET
cjrl-2282	620	32	time	time	NOUN
cjrl-2282	620	33	between	between	ADP
cjrl-2282	620	34	their	their	PRON
cjrl-2282	620	35	pay	pay	NOUN
cjrl-2282	620	36	checks	check	NOUN
cjrl-2282	620	37	(	(	PUNCT
cjrl-2282	620	38	in	in	ADP
cjrl-2282	620	39	the	the	DET
cjrl-2282	620	40	united	united	PROPN
cjrl-2282	620	41	states	states	PROPN
cjrl-2282	620	42	,	,	PUNCT
cjrl-2282	620	43	this	this	PRON
cjrl-2282	620	44	is	be	AUX
cjrl-2282	620	45	two	two	NUM
cjrl-2282	620	46	weeks	week	NOUN
cjrl-2282	620	47	)	)	PUNCT
cjrl-2282	620	48	.	.	PUNCT
cjrl-2282	621	1	banks	bank	NOUN
cjrl-2282	621	2	in	in	ADP
cjrl-2282	621	3	the	the	DET
cjrl-2282	621	4	united	united	PROPN
cjrl-2282	621	5	states	states	PROPN
cjrl-2282	621	6	have	have	AUX
cjrl-2282	621	7	failed	fail	VERB
cjrl-2282	621	8	to	to	PART
cjrl-2282	621	9	compete	compete	VERB
cjrl-2282	621	10	with	with	ADP
cjrl-2282	621	11	payday	payday	NOUN
cjrl-2282	621	12	loan	loan	NOUN
cjrl-2282	621	13	store	store	NOUN
cjrl-2282	621	14	operators	operator	NOUN
cjrl-2282	621	15	even	even	ADV
cjrl-2282	621	16	though	though	SCONJ
cjrl-2282	621	17	it	it	PRON
cjrl-2282	621	18	is	be	AUX
cjrl-2282	621	19	clear	clear	ADJ
cjrl-2282	621	20	that	that	SCONJ
cjrl-2282	621	21	there	there	PRON
cjrl-2282	621	22	is	be	VERB
cjrl-2282	621	23	a	a	DET
cjrl-2282	621	24	huge	huge	ADJ
cjrl-2282	621	25	demand	demand	NOUN
cjrl-2282	621	26	for	for	ADP
cjrl-2282	621	27	short	short	ADJ
cjrl-2282	621	28	-	-	PUNCT
cjrl-2282	621	29	term	term	NOUN
cjrl-2282	621	30	financial	financial	ADJ
cjrl-2282	621	31	relief	relief	NOUN
cjrl-2282	621	32	in	in	ADP
cjrl-2282	621	33	the	the	DET
cjrl-2282	621	34	checking	check	VERB
cjrl-2282	621	35	account	account	NOUN
cjrl-2282	621	36	customer	customer	NOUN
cjrl-2282	621	37	base	base	NOUN
cjrl-2282	621	38	.	.	PUNCT
cjrl-2282	622	1	the	the	DET
cjrl-2282	622	2	solution	solution	NOUN
cjrl-2282	622	3	is	be	AUX
cjrl-2282	622	4	not	not	PART
cjrl-2282	622	5	to	to	PART
cjrl-2282	622	6	go	go	VERB
cjrl-2282	622	7	back	back	ADV
cjrl-2282	622	8	to	to	ADP
cjrl-2282	622	9	a	a	DET
cjrl-2282	622	10	slower	slow	ADJ
cjrl-2282	622	11	collection	collection	NOUN
cjrl-2282	622	12	system	system	NOUN
cjrl-2282	622	13	for	for	ADP
cjrl-2282	622	14	demand	demand	NOUN
cjrl-2282	622	15	drafts	draft	NOUN
cjrl-2282	622	16	,	,	PUNCT
cjrl-2282	622	17	but	but	CCONJ
cjrl-2282	622	18	a	a	DET
cjrl-2282	622	19	reasonable	reasonable	ADJ
cjrl-2282	622	20	response	response	NOUN
cjrl-2282	622	21	that	that	PRON
cjrl-2282	622	22	gives	give	VERB
cjrl-2282	622	23	consideration	consideration	NOUN
cjrl-2282	622	24	to	to	ADP
cjrl-2282	622	25	a	a	DET
cjrl-2282	622	26	variety	variety	NOUN
cjrl-2282	622	27	of	of	ADP
cjrl-2282	622	28	factors	factor	NOUN
cjrl-2282	622	29	.	.	PUNCT
cjrl-2282	623	1	the	the	DET
cjrl-2282	623	2	first	first	ADJ
cjrl-2282	623	3	recommendation	recommendation	NOUN
cjrl-2282	623	4	is	be	AUX
cjrl-2282	623	5	to	to	PART
cjrl-2282	623	6	change	change	VERB
cjrl-2282	623	7	the	the	DET
cjrl-2282	623	8	definition	definition	NOUN
cjrl-2282	623	9	of	of	ADP
cjrl-2282	623	10	“	"	PUNCT
cjrl-2282	623	11	check	check	NOUN
cjrl-2282	623	12	”	"	PUNCT
cjrl-2282	623	13	under	under	ADP
cjrl-2282	623	14	the	the	DET
cjrl-2282	623	15	applicable	applicable	ADJ
cjrl-2282	623	16	u.c.c	u.c.c	NOUN
cjrl-2282	623	17	.	.	PUNCT
cjrl-2282	624	1	and	and	CCONJ
cjrl-2282	624	2	federal	federal	ADJ
cjrl-2282	624	3	regulations	regulation	NOUN
cjrl-2282	624	4	.	.	PUNCT
cjrl-2282	625	1	the	the	DET
cjrl-2282	625	2	change	change	NOUN
cjrl-2282	625	3	would	would	AUX
cjrl-2282	625	4	remove	remove	VERB
cjrl-2282	625	5	from	from	ADP
cjrl-2282	625	6	the	the	DET
cjrl-2282	625	7	definition	definition	NOUN
cjrl-2282	625	8	the	the	DET
cjrl-2282	625	9	exception	exception	NOUN
cjrl-2282	625	10	that	that	PRON
cjrl-2282	625	11	makes	make	VERB
cjrl-2282	625	12	all	all	DET
cjrl-2282	625	13	checks	check	NOUN
cjrl-2282	625	14	“	"	PUNCT
cjrl-2282	625	15	payable	payable	ADJ
cjrl-2282	625	16	on	on	ADP
cjrl-2282	625	17	demand	demand	NOUN
cjrl-2282	625	18	.	.	PUNCT
cjrl-2282	625	19	”	"	PUNCT
cjrl-2282	626	1	implementation	implementation	NOUN
cjrl-2282	626	2	of	of	ADP
cjrl-2282	626	3	this	this	DET
cjrl-2282	626	4	recommendation	recommendation	NOUN
cjrl-2282	626	5	would	would	AUX
cjrl-2282	626	6	require	require	VERB
cjrl-2282	626	7	the	the	DET
cjrl-2282	626	8	re	re	NOUN
cjrl-2282	626	9	-	-	NOUN
cjrl-2282	626	10	drafters	drafter	NOUN
cjrl-2282	626	11	of	of	ADP
cjrl-2282	626	12	the	the	DET
cjrl-2282	626	13	u.c.c	u.c.c	NOUN
cjrl-2282	626	14	.	.	PUNCT
cjrl-2282	627	1	and	and	CCONJ
cjrl-2282	627	2	the	the	DET
cjrl-2282	627	3	federal	federal	PROPN
cjrl-2282	627	4	reserve	reserve	PROPN
cjrl-2282	627	5	governing	govern	VERB
cjrl-2282	627	6	board	board	NOUN
cjrl-2282	627	7	to	to	PART
cjrl-2282	627	8	redefine	redefine	VERB
cjrl-2282	627	9	“	"	PUNCT
cjrl-2282	627	10	check	check	NOUN
cjrl-2282	627	11	”	"	PUNCT
cjrl-2282	627	12	under	under	ADP
cjrl-2282	627	13	the	the	DET
cjrl-2282	627	14	u.c.c	u.c.c	NOUN
cjrl-2282	627	15	.	.	PUNCT
cjrl-2282	628	1	and	and	CCONJ
cjrl-2282	628	2	regulation	regulation	NOUN
cjrl-2282	628	3	cc	cc	NOUN
cjrl-2282	628	4	,	,	PUNCT
cjrl-2282	628	5	respectively	respectively	ADV
cjrl-2282	628	6	,	,	PUNCT
cjrl-2282	628	7	to	to	PART
cjrl-2282	628	8	accommodate	accommodate	VERB
cjrl-2282	628	9	the	the	DET
cjrl-2282	628	10	need	need	NOUN
cjrl-2282	628	11	to	to	PART
cjrl-2282	628	12	allow	allow	VERB
cjrl-2282	628	13	consumers	consumer	NOUN
cjrl-2282	628	14	to	to	PART
cjrl-2282	628	15	bargain	bargain	VERB
cjrl-2282	628	16	for	for	ADP
cjrl-2282	628	17	the	the	DET
cjrl-2282	628	18	inclusion	inclusion	NOUN
cjrl-2282	628	19	of	of	ADP
cjrl-2282	628	20	a	a	DET
cjrl-2282	628	21	due	due	ADJ
cjrl-2282	628	22	date	date	NOUN
cjrl-2282	628	23	term	term	NOUN
cjrl-2282	628	24	when	when	SCONJ
cjrl-2282	628	25	issuing	issue	VERB
cjrl-2282	628	26	personal	personal	ADJ
cjrl-2282	628	27	checks	check	NOUN
cjrl-2282	628	28	.	.	PUNCT
cjrl-2282	629	1	consequently	consequently	ADV
cjrl-2282	629	2	,	,	PUNCT
cjrl-2282	629	3	checks	check	NOUN
cjrl-2282	629	4	would	would	AUX
cjrl-2282	629	5	become	become	VERB
cjrl-2282	629	6	like	like	ADP
cjrl-2282	629	7	all	all	DET
cjrl-2282	629	8	other	other	ADJ
cjrl-2282	629	9	negotiable	negotiable	ADJ
cjrl-2282	629	10	instruments	instrument	NOUN
cjrl-2282	629	11	—	—	PUNCT
cjrl-2282	629	12	payable	payable	ADJ
cjrl-2282	629	13	either	either	CCONJ
cjrl-2282	629	14	“	"	PUNCT
cjrl-2282	629	15	on	on	ADP
cjrl-2282	629	16	demand	demand	NOUN
cjrl-2282	629	17	,	,	PUNCT
cjrl-2282	629	18	”	"	PUNCT
cjrl-2282	629	19	or	or	CCONJ
cjrl-2282	629	20	“	"	PUNCT
cjrl-2282	629	21	at	at	ADP
cjrl-2282	629	22	a	a	DET
cjrl-2282	629	23	definite	definite	ADJ
cjrl-2282	629	24	date	date	NOUN
cjrl-2282	629	25	”	"	PUNCT
cjrl-2282	629	26	at	at	ADP
cjrl-2282	629	27	the	the	DET
cjrl-2282	629	28	option	option	NOUN
cjrl-2282	629	29	of	of	ADP
cjrl-2282	629	30	the	the	DET
cjrl-2282	629	31	parties	party	NOUN
cjrl-2282	629	32	.	.	PUNCT
cjrl-2282	630	1	this	this	DET
cjrl-2282	630	2	approach	approach	NOUN
cjrl-2282	630	3	is	be	AUX
cjrl-2282	630	4	already	already	ADV
cjrl-2282	630	5	authorized	authorize	VERB
cjrl-2282	630	6	by	by	ADP
cjrl-2282	630	7	existing	exist	VERB
cjrl-2282	630	8	u.s	u.s	PROPN
cjrl-2282	630	9	.	.	PROPN
cjrl-2282	630	10	laws	law	NOUN
cjrl-2282	630	11	of	of	ADP
cjrl-2282	630	12	negotiable	negotiable	ADJ
cjrl-2282	630	13	instruments	instrument	NOUN
cjrl-2282	630	14	.	.	PUNCT
cjrl-2282	631	1	it	it	PRON
cjrl-2282	631	2	would	would	AUX
cjrl-2282	631	3	also	also	ADV
cjrl-2282	631	4	match	match	VERB
cjrl-2282	631	5	the	the	DET
cjrl-2282	631	6	expectations	expectation	NOUN
cjrl-2282	631	7	of	of	ADP
cjrl-2282	631	8	parties	party	NOUN
cjrl-2282	631	9	who	who	PRON
cjrl-2282	631	10	can	can	AUX
cjrl-2282	631	11	negotiate	negotiate	VERB
cjrl-2282	631	12	freely	freely	ADV
cjrl-2282	631	13	to	to	PART
cjrl-2282	631	14	use	use	VERB
cjrl-2282	631	15	or	or	CCONJ
cjrl-2282	631	16	to	to	PART
cjrl-2282	631	17	not	not	PART
cjrl-2282	631	18	use	use	VERB
cjrl-2282	631	19	the	the	DET
cjrl-2282	631	20	new	new	ADJ
cjrl-2282	631	21	payment	payment	NOUN
cjrl-2282	631	22	instrument	instrument	NOUN
cjrl-2282	631	23	.	.	PUNCT
cjrl-2282	632	1	it	it	PRON
cjrl-2282	632	2	will	will	AUX
cjrl-2282	632	3	provide	provide	VERB
cjrl-2282	632	4	many	many	ADJ
cjrl-2282	632	5	consumers	consumer	NOUN
cjrl-2282	632	6	with	with	ADP
cjrl-2282	632	7	a	a	DET
cjrl-2282	632	8	much	much	ADV
cjrl-2282	632	9	needed	need	VERB
cjrl-2282	632	10	alternative	alternative	NOUN
cjrl-2282	632	11	to	to	ADP
cjrl-2282	632	12	payday	payday	NOUN
cjrl-2282	632	13	loan	loan	NOUN
cjrl-2282	632	14	stores	store	NOUN
cjrl-2282	632	15	.	.	PUNCT
cjrl-2282	633	1	the	the	DET
cjrl-2282	633	2	second	second	ADJ
cjrl-2282	633	3	recommendation	recommendation	NOUN
cjrl-2282	633	4	is	be	AUX
cjrl-2282	633	5	for	for	ADP
cjrl-2282	633	6	regulation	regulation	NOUN
cjrl-2282	633	7	cc	cc	NOUN
cjrl-2282	633	8	to	to	PART
cjrl-2282	633	9	be	be	AUX
cjrl-2282	633	10	amended	amend	VERB
cjrl-2282	633	11	to	to	PART
cjrl-2282	633	12	require	require	VERB
cjrl-2282	633	13	banks	bank	NOUN
cjrl-2282	633	14	to	to	PART
cjrl-2282	633	15	offer	offer	VERB
cjrl-2282	633	16	a	a	DET
cjrl-2282	633	17	new	new	ADJ
cjrl-2282	633	18	service	service	NOUN
cjrl-2282	633	19	that	that	PRON
cjrl-2282	633	20	would	would	AUX
cjrl-2282	633	21	recognize	recognize	VERB
cjrl-2282	633	22	and	and	CCONJ
cjrl-2282	633	23	honor	honor	VERB
cjrl-2282	633	24	the	the	DET
cjrl-2282	633	25	timing	timing	NOUN
cjrl-2282	633	26	of	of	ADP
cjrl-2282	633	27	payment	payment	NOUN
cjrl-2282	633	28	terms	term	NOUN
cjrl-2282	633	29	of	of	ADP
cjrl-2282	633	30	any	any	DET
cjrl-2282	633	31	check	check	NOUN
cjrl-2282	633	32	that	that	PRON
cjrl-2282	633	33	had	have	VERB
cjrl-2282	633	34	a	a	DET
cjrl-2282	633	35	due	due	ADJ
cjrl-2282	633	36	date	date	NOUN
cjrl-2282	633	37	just	just	ADV
cjrl-2282	633	38	as	as	ADV
cjrl-2282	633	39	easily	easily	ADV
cjrl-2282	633	40	as	as	SCONJ
cjrl-2282	633	41	they	they	PRON
cjrl-2282	633	42	do	do	VERB
cjrl-2282	633	43	for	for	ADP
cjrl-2282	633	44	checks	check	NOUN
cjrl-2282	633	45	that	that	PRON
cjrl-2282	633	46	are	be	AUX
cjrl-2282	633	47	payable	payable	ADJ
cjrl-2282	633	48	on	on	ADP
cjrl-2282	633	49	demand	demand	NOUN
cjrl-2282	633	50	.	.	PUNCT
cjrl-2282	634	1	both	both	PRON
cjrl-2282	634	2	of	of	ADP
cjrl-2282	634	3	these	these	DET
cjrl-2282	634	4	changes	change	NOUN
cjrl-2282	634	5	will	will	AUX
cjrl-2282	634	6	go	go	VERB
cjrl-2282	634	7	far	far	ADV
cjrl-2282	634	8	to	to	PART
cjrl-2282	634	9	improve	improve	VERB
cjrl-2282	634	10	the	the	DET
cjrl-2282	634	11	prospects	prospect	NOUN
cjrl-2282	634	12	of	of	ADP
cjrl-2282	634	13	consumers	consumer	NOUN
cjrl-2282	634	14	who	who	PRON
cjrl-2282	634	15	are	be	AUX
cjrl-2282	634	16	clearly	clearly	ADV
cjrl-2282	634	17	demanding	demand	VERB
cjrl-2282	634	18	better	well	ADJ
cjrl-2282	634	19	alternatives	alternative	NOUN
cjrl-2282	634	20	and	and	CCONJ
cjrl-2282	634	21	more	more	ADV
cjrl-2282	634	22	flexible	flexible	ADJ
cjrl-2282	634	23	bank	bank	NOUN
cjrl-2282	634	24	products	product	NOUN
cjrl-2282	634	25	.	.	PUNCT
cjrl-2282	635	1	100	100	NUM
cjrl-2282	635	2	checking	check	VERB
cjrl-2282	635	3	out	out	ADP
cjrl-2282	635	4	the	the	DET
cjrl-2282	635	5	exception	exception	NOUN
cjrl-2282	635	6	to	to	ADP
cjrl-2282	635	7	3	3	NUM
cjrl-2282	635	8	-	-	SYM
cjrl-2282	635	9	104	104	NUM
cjrl-2282	635	10	vol	vol	NOUN
cjrl-2282	635	11	.	.	PUNCT
cjrl-2282	635	12	3:1	3:1	NUM
cjrl-2282	635	13	appendix	appendix	VERB
cjrl-2282	635	14	a	a	DET
cjrl-2282	635	15	forward	forward	ADJ
cjrl-2282	635	16	check	check	NOUN
cjrl-2282	635	17	collection	collection	NOUN
cjrl-2282	635	18	process	process	NOUN
cjrl-2282	635	19	2013	2013	NUM
cjrl-2282	635	20	columbia	columbia	PROPN
cjrl-2282	635	21	journal	journal	PROPN
cjrl-2282	635	22	of	of	ADP
cjrl-2282	635	23	race	race	NOUN
cjrl-2282	635	24	and	and	CCONJ
cjrl-2282	635	25	law	law	NOUN
cjrl-2282	635	26	101	101	NUM
cjrl-2282	635	27	appendix	appendix	NOUN
cjrl-2282	635	28	b	b	PROPN
cjrl-2282	635	29	regulation	regulation	NOUN
cjrl-2282	635	30	cc	cc	ADP
cjrl-2282	635	31	availability	availability	NOUN
cjrl-2282	635	32	schedule	schedule	NOUN
cjrl-2282	635	33	102	102	NUM
cjrl-2282	635	34	checking	check	VERB
cjrl-2282	635	35	out	out	ADP
cjrl-2282	635	36	the	the	DET
cjrl-2282	635	37	exception	exception	NOUN
cjrl-2282	635	38	to	to	ADP
cjrl-2282	635	39	3	3	NUM
cjrl-2282	635	40	-	-	SYM
cjrl-2282	635	41	104	104	NUM
cjrl-2282	635	42	vol	vol	NOUN
cjrl-2282	635	43	.	.	PUNCT
cjrl-2282	635	44	3:1	3:1	NUM
cjrl-2282	636	1	appendix	appendix	PROPN
cjrl-2282	636	2	c	c	PROPN
cjrl-2282	636	3	example	example	NOUN
cjrl-2282	636	4	bank	bank	NOUN
cjrl-2282	636	5	draft	draft	NOUN