id	sid	eid	entity	type
fsr-4057	1	1	33(2	CARDINAL
fsr-4057	1	2	15	CARDINAL
fsr-4057	1	3	julie birkenmaier1	PERSON
fsr-4057	1	4	stratman2	PERSON
fsr-4057	3	1	american	NORP
fsr-4057	4	1	2022	CARDINAL
fsr-4057	12	1	4.0	CARDINAL
fsr-4057	12	2	j. & stratman	ORG
fsr-4057	12	3	h.	PERSON
fsr-4057	12	4	2025	DATE
fsr-4057	14	1	33(2	DATE
fsr-4057	14	2	15	CARDINAL
fsr-4057	14	3	1	CARDINAL
fsr-4057	15	1	saint louis university school of social	ORG
fsr-4057	15	2	st. louis	GPE
fsr-4057	16	1	missouri	GPE
fsr-4057	16	2	saint louis university school of social	ORG
fsr-4057	16	3	st. louis	GPE
fsr-4057	16	4	missouri	GPE
fsr-4057	17	1	mailto:julie.birkenmaier@slu.edu	LANGUAGE
fsr-4057	17	2	33(2	CARDINAL
fsr-4057	17	3	16	CARDINAL
fsr-4057	17	4	american	NORP
fsr-4057	18	1	u.s.	GPE
fsr-4057	18	2	recent years	DATE
fsr-4057	18	3	chawla et al.	PERSON
fsr-4057	18	4	2023	CARDINAL
fsr-4057	18	5	2022	CARDINAL
fsr-4057	18	6	2019	DATE
fsr-4057	19	1	first	ORDINAL
fsr-4057	19	2	klapper & lusardi	ORG
fsr-4057	19	3	2019	DATE
fsr-4057	21	1	recent years	DATE
fsr-4057	21	2	national bureau of economic research	ORG
fsr-4057	21	3	2023	CARDINAL
fsr-4057	21	4	americans	NORP
fsr-4057	22	1	lee et al.	PERSON
fsr-4057	22	2	2022	CARDINAL
fsr-4057	24	1	2023b	DATE
fsr-4057	25	1	fdic	ORG
fsr-4057	25	2	2022	CARDINAL
fsr-4057	26	1	kamran & uusitalo	ORG
fsr-4057	26	2	2019	DATE
fsr-4057	26	3	lim & letkiewicz	ORG
fsr-4057	26	4	2023	CARDINAL
fsr-4057	27	1	2020	DATE
fsr-4057	27	2	scott	ORG
fsr-4057	27	3	2023	CARDINAL
fsr-4057	29	1	millions	CARDINAL
fsr-4057	29	2	american	NORP
fsr-4057	29	3	every year	DATE
fsr-4057	32	1	dou et al.	PERSON
fsr-4057	32	2	2024	CARDINAL
fsr-4057	32	3	& liu	PERSON
fsr-4057	32	4	2023	CARDINAL
fsr-4057	32	5	halvorsen & møkkelgård	ORG
fsr-4057	32	6	2018	DATE
fsr-4057	32	7	polat et al.	PERSON
fsr-4057	32	8	2023	CARDINAL
fsr-4057	35	1	first	ORDINAL
fsr-4057	38	1	two	CARDINAL
fsr-4057	39	1	commuri & ekici, 2008	ORG
fsr-4057	42	1	17	CARDINAL
fsr-4057	42	2	garrett & toumanoff	ORG
fsr-4057	42	3	2010	DATE
fsr-4057	42	4	lim & letkiewicz	ORG
fsr-4057	42	5	2023	CARDINAL
fsr-4057	42	6	2023	CARDINAL
fsr-4057	43	1	second	ORDINAL
fsr-4057	46	1	chebat & benamor	ORG
fsr-4057	46	2	2010	DATE
fsr-4057	46	3	durkin	ORG
fsr-4057	46	4	2003	DATE
fsr-4057	46	5	kabadayi	PERSON
fsr-4057	46	6	2016	DATE
fsr-4057	48	1	95.5%	PERCENT
fsr-4057	48	2	americans	NORP
fsr-4057	50	1	5.9 million	CARDINAL
fsr-4057	50	2	u.s.	GPE
fsr-4057	51	1	hispanic	NORP
fsr-4057	52	1	fdic	ORG
fsr-4057	52	2	2022	CARDINAL
fsr-4057	53	1	another 25.7%	PERCENT
fsr-4057	53	2	payday	DATE
fsr-4057	53	3	fdic	ORG
fsr-4057	53	4	2019	DATE
fsr-4057	54	1	recent years	DATE
fsr-4057	54	2	2020	DATE
fsr-4057	54	3	2021	CARDINAL
fsr-4057	54	4	2022a	DATE
fsr-4057	55	1	2023	CARDINAL
fsr-4057	55	2	2023e	DATE
fsr-4057	57	1	the better business bureau	ORG
fsr-4057	57	2	bbb	ORG
fsr-4057	57	3	ftc	ORG
fsr-4057	57	4	the federal reserve bank	ORG
fsr-4057	60	1	ftc	ORG
fsr-4057	60	2	n.d.	GPE
fsr-4057	62	1	2010	DATE
fsr-4057	62	2	u.s.	GPE
fsr-4057	63	1	one	CARDINAL
fsr-4057	63	2	33(2	CARDINAL
fsr-4057	63	3	18	CARDINAL
fsr-4057	64	1	more than 6,100	CARDINAL
fsr-4057	65	1	2022-2023	CARDINAL
fsr-4057	65	2	over half	CARDINAL
fsr-4057	65	3	61%	PERCENT
fsr-4057	65	4	53%	PERCENT
fsr-4057	65	5	2023	CARDINAL
fsr-4057	65	6	approximately one-third	CARDINAL
fsr-4057	65	7	31%	PERCENT
fsr-4057	65	8	2022	CARDINAL
fsr-4057	65	9	40%	PERCENT
fsr-4057	65	10	2023	CARDINAL
fsr-4057	65	11	2022a	DATE
fsr-4057	65	12	2023a	DATE
fsr-4057	67	1	hayes et al	PERSON
fsr-4057	68	1	2021	CARDINAL
fsr-4057	70	1	2021	DATE
fsr-4057	71	1	2016	DATE
fsr-4057	71	2	gyamfi et al.	PERSON
fsr-4057	71	3	2016	DATE
fsr-4057	71	4	nndwamato	DATE
fsr-4057	71	5	2018	DATE
fsr-4057	72	1	2018	DATE
fsr-4057	72	2	2016	DATE
fsr-4057	73	1	bank policy institute	ORG
fsr-4057	73	2	2020	DATE
fsr-4057	73	3	jelisejevs	PERSON
fsr-4057	73	4	2021	DATE
fsr-4057	73	5	2023c	DATE
fsr-4057	74	1	2020	DATE
fsr-4057	77	1	bank policy institute	ORG
fsr-4057	77	2	2018	DATE
fsr-4057	77	3	2024	DATE
fsr-4057	78	1	2019	DATE
fsr-4057	78	2	422	CARDINAL
fsr-4057	80	1	2022	CARDINAL
fsr-4057	82	1	brenner et al	PERSON
fsr-4057	82	2	2020	DATE
fsr-4057	83	1	third	ORDINAL
fsr-4057	84	1	lim	PERSON
fsr-4057	84	2	letkiewicz	PERSON
fsr-4057	84	3	2023	CARDINAL
fsr-4057	85	1	hours	TIME
fsr-4057	85	2	payday	DATE
fsr-4057	88	1	kutzbach	GPE
fsr-4057	88	2	2024	CARDINAL
fsr-4057	89	1	2022	CARDINAL
fsr-4057	89	2	birkenmaier &	ORG
fsr-4057	89	3	19	CARDINAL
fsr-4057	89	4	hours	TIME
fsr-4057	92	1	u.s.	GPE
fsr-4057	93	1	1	CARDINAL
fsr-4057	94	1	u.s.	GPE
fsr-4057	94	2	2	CARDINAL
fsr-4057	95	1	bartikowski & laroche	ORG
fsr-4057	95	2	2019	DATE
fsr-4057	95	3	& liu	PERSON
fsr-4057	95	4	2023	CARDINAL
fsr-4057	95	5	kim et al.	PERSON
fsr-4057	95	6	2013	DATE
fsr-4057	95	7	2021	CARDINAL
fsr-4057	99	1	2019	DATE
fsr-4057	101	1	two	CARDINAL
fsr-4057	101	2	first	ORDINAL
fsr-4057	101	3	four	CARDINAL
fsr-4057	102	1	2023	CARDINAL
fsr-4057	102	2	lim & letkiewicz	ORG
fsr-4057	102	3	2023	CARDINAL
fsr-4057	102	4	first	ORDINAL
fsr-4057	102	5	25	CARDINAL
fsr-4057	103	1	two	CARDINAL
fsr-4057	104	1	two	CARDINAL
fsr-4057	105	1	approximately 10%	PERCENT
fsr-4057	105	2	2019	DATE
fsr-4057	108	1	fifth	ORDINAL
fsr-4057	111	1	33(2	CARDINAL
fsr-4057	111	2	20	CARDINAL
fsr-4057	113	1	cohen	PERSON
fsr-4057	113	2	0.60	CARDINAL
fsr-4057	113	3	0.56	CARDINAL
fsr-4057	113	4	0.41	CARDINAL
fsr-4057	113	5	0.39	CARDINAL
fsr-4057	113	6	0.49	CARDINAL
fsr-4057	114	1	cohen	PERSON
fsr-4057	115	1	zero	CARDINAL
fsr-4057	117	1	cohen, 1968	LAW
fsr-4057	118	1	2011	DATE
fsr-4057	118	2	over four million	CARDINAL
fsr-4057	119	1	first	ORDINAL
fsr-4057	122	1	over $10 billion	MONEY
fsr-4057	129	1	american	NORP
fsr-4057	129	2	friedline & pawar	ORG
fsr-4057	129	3	2023	CARDINAL
fsr-4057	131	1	millions	CARDINAL
fsr-4057	131	2	years	DATE
fsr-4057	132	1	august 24	DATE
fsr-4057	132	2	2022	CARDINAL
fsr-4057	132	3	2023	CARDINAL
fsr-4057	132	4	n=12,468	GPE
fsr-4057	136	1	birkenmaier &	ORG
fsr-4057	136	2	21	CARDINAL
fsr-4057	138	1	20%	PERCENT
fsr-4057	138	2	5th	ORDINAL
fsr-4057	138	3	first	ORDINAL
fsr-4057	138	4	2,493	CARDINAL
fsr-4057	138	5	2019	DATE
fsr-4057	141	1	1	CARDINAL
fsr-4057	143	1	fifty-eight	CARDINAL
fsr-4057	144	1	1	CARDINAL
fsr-4057	145	1	n %	PERCENT
fsr-4057	145	2	1,617 79.65	CARDINAL
fsr-4057	145	3	american	ORG
fsr-4057	145	4	145 7.15	QUANTITY
fsr-4057	145	5	268 13.21	CARDINAL
fsr-4057	145	6	2030 100	CARDINAL
fsr-4057	145	7	1834 90.39	CARDINAL
fsr-4057	145	8	195 9.61	CARDINAL
fsr-4057	145	9	2030	CARDINAL
fsr-4057	145	10	100	CARDINAL
fsr-4057	145	11	12 89.89	CARDINAL
fsr-4057	145	12	21 3.77	CARDINAL
fsr-4057	145	13	8 4.69	CARDINAL
fsr-4057	145	14	12 3.45	CARDINAL
fsr-4057	145	15	2 0.10	CARDINAL
fsr-4057	145	16	1 4.09	CARDINAL
fsr-4057	145	17	2 0.10	CARDINAL
fsr-4057	145	18	58 100	CARDINAL
fsr-4057	145	19	33(2	CARDINAL
fsr-4057	145	20	22	CARDINAL
fsr-4057	145	21	2	CARDINAL
fsr-4057	146	1	five	CARDINAL
fsr-4057	146	2	eight	CARDINAL
fsr-4057	146	3	five	CARDINAL
fsr-4057	146	4	five	CARDINAL
fsr-4057	146	5	five	CARDINAL
fsr-4057	146	6	three	CARDINAL
fsr-4057	147	1	three	CARDINAL
fsr-4057	147	2	two	CARDINAL
fsr-4057	151	1	third	ORDINAL
fsr-4057	154	1	2	CARDINAL
fsr-4057	155	1	5.9	CARDINAL
fsr-4057	155	2	32.4	CARDINAL
fsr-4057	155	3	40.6	CARDINAL
fsr-4057	155	4	birkenmaier &	ORG
fsr-4057	155	5	23	CARDINAL
fsr-4057	155	6	27.8	CARDINAL
fsr-4057	155	7	22.9	CARDINAL
fsr-4057	155	8	41.6	CARDINAL
fsr-4057	156	1	20.0	CARDINAL
fsr-4057	156	2	3.0	CARDINAL
fsr-4057	157	1	40.1	CARDINAL
fsr-4057	157	2	51.7	CARDINAL
fsr-4057	157	3	33(2	CARDINAL
fsr-4057	157	4	24	CARDINAL
fsr-4057	157	5	9.4	CARDINAL
fsr-4057	157	6	9.4	CARDINAL
fsr-4057	157	7	3.4	CARDINAL
fsr-4057	157	8	0.3	CARDINAL
fsr-4057	157	9	63.2	CARDINAL
fsr-4057	157	10	3.4	CARDINAL
fsr-4057	157	11	14.7	CARDINAL
fsr-4057	157	12	25	CARDINAL
fsr-4057	157	13	5.6	CARDINAL
fsr-4057	157	14	18.1	CARDINAL
fsr-4057	157	15	43.9	CARDINAL
fsr-4057	157	16	0.4	CARDINAL
fsr-4057	157	17	1.9	CARDINAL
fsr-4057	157	18	5.2	CARDINAL
fsr-4057	158	1	0.9	CARDINAL
fsr-4057	158	2	9.1	CARDINAL
fsr-4057	158	3	33(2	CARDINAL
fsr-4057	158	4	26	CARDINAL
fsr-4057	158	5	1.4	CARDINAL
fsr-4057	158	6	more than 100%	PERCENT
fsr-4057	162	1	2010	DATE
fsr-4057	164	1	2023	CARDINAL
fsr-4057	164	2	pan & zhang	ORG
fsr-4057	164	3	2011	DATE
fsr-4057	165	1	five	CARDINAL
fsr-4057	166	1	0	CARDINAL
fsr-4057	166	2	4	CARDINAL
fsr-4057	166	3	one	CARDINAL
fsr-4057	166	4	two	CARDINAL
fsr-4057	168	1	0	CARDINAL
fsr-4057	168	2	1	CARDINAL
fsr-4057	171	1	two	CARDINAL
fsr-4057	171	2	0	CARDINAL
fsr-4057	171	3	1	CARDINAL
fsr-4057	171	4	0	CARDINAL
fsr-4057	171	5	1	CARDINAL
fsr-4057	172	1	3	CARDINAL
fsr-4057	173	1	aic	PERSON
fsr-4057	173	2	3.24	CARDINAL
fsr-4057	174	1	3436.77	CARDINAL
fsr-4057	174	2	3207.40	CARDINAL
fsr-4057	175	1	31.81	CARDINAL
fsr-4057	175	2	.001	CARDINAL
fsr-4057	175	3	birkenmaier &	ORG
fsr-4057	175	4	27	CARDINAL
fsr-4057	177	1	one	CARDINAL
fsr-4057	177	2	120%	PERCENT
fsr-4057	177	3	2.20,	PERCENT
fsr-4057	177	4	95%	PERCENT
fsr-4057	178	1	1.97	CARDINAL
fsr-4057	178	2	2.46	CARDINAL
fsr-4057	178	3	.001	CARDINAL
fsr-4057	179	1	one	CARDINAL
fsr-4057	179	2	79%	PERCENT
fsr-4057	179	3	1.79	CARDINAL
fsr-4057	179	4	95 ci	QUANTITY
fsr-4057	180	1	1.42	CARDINAL
fsr-4057	180	2	2.54	CARDINAL
fsr-4057	181	1	one	CARDINAL
fsr-4057	181	2	71%	PERCENT
fsr-4057	181	3	1.71	CARDINAL
fsr-4057	181	4	95%	PERCENT
fsr-4057	182	1	1.55	CARDINAL
fsr-4057	182	2	1.89	CARDINAL
fsr-4057	182	3	.001	CARDINAL
fsr-4057	183	1	50%	PERCENT
fsr-4057	183	2	12%	PERCENT
fsr-4057	184	1	two	CARDINAL
fsr-4057	184	2	u.s.	GPE
fsr-4057	186	1	33(2	CARDINAL
fsr-4057	186	2	28	CARDINAL
fsr-4057	186	3	3	CARDINAL
fsr-4057	186	4	n=2030	ORG
fsr-4057	186	5	95%	PERCENT
fsr-4057	186	6	0.21 0.01 -28.68 0.00 0.19	QUANTITY
fsr-4057	186	7	0.23	CARDINAL
fsr-4057	186	8	0.21 0.04	CARDINAL
fsr-4057	186	9	0.29	CARDINAL
fsr-4057	186	10	1.72 0.09	CARDINAL
fsr-4057	186	11	0.00 1.55	CARDINAL
fsr-4057	186	12	1.89	CARDINAL
fsr-4057	186	13	1.50	CARDINAL
fsr-4057	186	14	0.07 9.02 0.00 1.37	QUANTITY
fsr-4057	186	15	1.64	CARDINAL
fsr-4057	186	16	1.70 0.08	CARDINAL
fsr-4057	186	17	1.86	CARDINAL
fsr-4057	186	18	0.72 0.04 -5.97	QUANTITY
fsr-4057	186	19	0.00 0.64	CARDINAL
fsr-4057	186	20	0.80	CARDINAL
fsr-4057	186	21	2.20 0.13 13.86 0.00	MONEY
fsr-4057	186	22	2.47	CARDINAL
fsr-4057	186	23	1.79	CARDINAL
fsr-4057	186	24	0.00 1.97	CARDINAL
fsr-4057	186	25	2.46	CARDINAL
fsr-4057	186	26	1.14 0.05	MONEY
fsr-4057	186	27	1.24	CARDINAL
fsr-4057	186	28	1.12 0.05	CARDINAL
fsr-4057	186	29	1.22	CARDINAL
fsr-4057	186	30	1.17 0.08 2.35 0.02	MONEY
fsr-4057	186	31	1.334	CARDINAL
fsr-4057	186	32	1.50	CARDINAL
fsr-4057	186	33	1.68	CARDINAL
fsr-4057	187	1	31.81	CARDINAL
fsr-4057	187	2	.001	CARDINAL
fsr-4057	187	3	birkenmaier &	ORG
fsr-4057	187	4	29	CARDINAL
fsr-4057	187	5	1	CARDINAL
fsr-4057	187	6	u.s.	GPE
fsr-4057	187	7	2	CARDINAL
fsr-4057	190	1	gyamfi et al.	PERSON
fsr-4057	190	2	2016	DATE
fsr-4057	190	3	morgan	ORG
fsr-4057	190	4	2021	CARDINAL
fsr-4057	190	5	nndwamato	DATE
fsr-4057	190	6	2018	DATE
fsr-4057	190	7	2016	DATE
fsr-4057	191	1	2023a	DATE
fsr-4057	193	1	brenner et al.	PERSON
fsr-4057	193	2	2020	DATE
fsr-4057	193	3	lim & letkiewicz	ORG
fsr-4057	193	4	2023	CARDINAL
fsr-4057	194	1	at least one	CARDINAL
fsr-4057	196	1	2023c	DATE
fsr-4057	197	1	bank policy institute	ORG
fsr-4057	197	2	2018	DATE
fsr-4057	197	3	2024	DATE
fsr-4057	198	1	estelami & liu	ORG
fsr-4057	198	2	2024	DATE
fsr-4057	200	1	hsu	PERSON
fsr-4057	200	2	2024	DATE
fsr-4057	205	1	33(2	CARDINAL
fsr-4057	205	2	30	CARDINAL
fsr-4057	207	1	three	CARDINAL
fsr-4057	213	1	2024	CARDINAL
fsr-4057	213	2	bank policy institute	ORG
fsr-4057	213	3	2024	DATE
fsr-4057	213	4	jelisejevs	PERSON
fsr-4057	213	5	2021	DATE
fsr-4057	215	1	hsu	PERSON
fsr-4057	215	2	2024	DATE
fsr-4057	217	1	gyamfi et al.	PERSON
fsr-4057	217	2	2016	DATE
fsr-4057	219	1	2023d	CARDINAL
fsr-4057	221	1	2024	DATE
fsr-4057	222	1	one	CARDINAL
fsr-4057	222	2	lim & letkiewicz	ORG
fsr-4057	222	3	2023	CARDINAL
fsr-4057	224	1	first	ORDINAL
fsr-4057	226	1	second	ORDINAL
fsr-4057	227	1	third	ORDINAL
fsr-4057	228	1	birkenmaier &	ORG
fsr-4057	228	2	31	CARDINAL
fsr-4057	232	1	one	CARDINAL
fsr-4057	233	1	70%	PERCENT
fsr-4057	233	2	at least one	CARDINAL
fsr-4057	233	3	only 17%	PERCENT
fsr-4057	235	1	less than one percent	PERCENT
fsr-4057	237	1	a.	PERSON
fsr-4057	237	2	2010	DATE
fsr-4057	239	1	wiley	ORG
fsr-4057	240	1	bank policy institute	ORG
fsr-4057	241	1	2018	DATE
fsr-4057	241	2	october 29	DATE
fsr-4057	242	1	u.s.	GPE
fsr-4057	242	2	bsa/aml & sanctions compliance	ORG
fsr-4057	243	1	https://bpi.com/getting-to-effectivenessreport-on-u-s-financial-institutionresources-devoted-to-bsa-aml-sanctionscompliance/ bank policy institute	ORG
fsr-4057	244	1	2020	DATE
fsr-4057	247	1	2024	CARDINAL
fsr-4057	248	1	the u.s. house financial services committee	ORG
fsr-4057	249	1	https://bpi.com/bpistatement-for-the-record-for-houseoversight-hearing-of-fincen-and-theoffice-of-terrorism-and-financialintelligence/ bank policy institute	ORG
fsr-4057	249	2	financial technology association	ORG
fsr-4057	249	3	america	GPE
fsr-4057	249	4	american gaming association	ORG
fsr-4057	250	1	2024	CARDINAL
fsr-4057	251	1	fincen	PERSON
fsr-4057	251	2	111	CARDINAL
fsr-4057	251	3	1506–0001	CARDINAL
fsr-4057	251	4	1506–0006	DATE
fsr-4057	251	5	1506–0015	CARDINAL
fsr-4057	251	6	1506–0019	DATE
fsr-4057	251	7	1506–0029	CARDINAL
fsr-4057	251	8	1506–0061	CARDINAL
fsr-4057	251	9	15060065	DATE
fsr-4057	252	1	https://bpi.com/wpcontent/uploads/2024/07/bpi-icbafta-sifma-aga-joint-tradecomment-letter-fincen-sar-30-daynotice-7-1-2024.pdf bartikowski	PERSON
fsr-4057	252	2	laroche	GPE
fsr-4057	252	3	m., & richard	ORG
fsr-4057	252	4	m. o.	PERSON
fsr-4057	252	5	2019	DATE
fsr-4057	253	1	canada	GPE
fsr-4057	253	2	china	GPE
fsr-4057	253	3	france	GPE
fsr-4057	254	1	journal of business research	ORG
fsr-4057	254	2	103	CARDINAL
fsr-4057	254	3	232	CARDINAL
fsr-4057	255	1	.049 brenner	PERSON
fsr-4057	255	2	l.	GPE
fsr-4057	255	3	meyll	GPE
fsr-4057	255	4	o., & walter	ORG
fsr-4057	255	5	2020	DATE
fsr-4057	257	1	76, 102243	DATE
fsr-4057	258	1	43 chawla	QUANTITY
fsr-4057	258	2	i.	GPE
fsr-4057	258	3	russell	PERSON
fsr-4057	258	4	m.	PERSON
fsr-4057	258	5	k., & devaney	ORG
fsr-4057	258	6	s.	PERSON
fsr-4057	258	7	2023	CARDINAL
fsr-4057	260	1	31(2/3	CARDINAL
fsr-4057	260	2	211–228	CARDINAL
fsr-4057	261	1	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/ https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	PERSON
fsr-4057	261	2	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/ https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/ https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	PERSON
fsr-4057	261	3	33(2	CARDINAL
fsr-4057	261	4	32	CARDINAL
fsr-4057	261	5	1	CARDINAL
fsr-4057	261	6	j. c.	PERSON
fsr-4057	261	7	ben-amor	PERSON
fsr-4057	261	8	k., & davidow	ORG
fsr-4057	261	9	m. (	PERSON
fsr-4057	261	10	2010	DATE
fsr-4057	263	1	1(1	CARDINAL
fsr-4057	263	2	77	CARDINAL
fsr-4057	265	1	j.	PERSON
fsr-4057	265	2	1968	DATE
fsr-4057	267	1	213	CARDINAL
fsr-4057	268	1	commuri s. & ekici	ORG
fsr-4057	268	2	2008	DATE
fsr-4057	270	1	macromarketing	GPE
fsr-4057	270	2	28(2	GPE
fsr-4057	270	3	104200	DATE
fsr-4057	285	1	liance	PERSON
fsr-4057	286	1	2020	DATE
fsr-4057	287	1	annual	DATE
fsr-4057	287	2	2019	DATE
fsr-4057	289	1	2021	CARDINAL
fsr-4057	290	1	annual	DATE
fsr-4057	290	2	2020	DATE
fsr-4057	292	1	2022	CARDINAL
fsr-4057	293	1	annual	DATE
fsr-4057	293	2	2021	CARDINAL
fsr-4057	295	1	2023	CARDINAL
fsr-4057	295	2	annual	DATE
fsr-4057	295	3	2022	CARDINAL
fsr-4057	296	1	ments/cfpb_2022	ORG
fsr-4057	296	2	report_2023-03.pdf	ORG
fsr-4057	296	3	2023, june 6	DATE
fsr-4057	298	1	2023c	DATE
fsr-4057	299	1	2023-02	CARDINAL
fsr-4057	300	1	liance	PERSON
fsr-4057	301	1	2023	CARDINAL
fsr-4057	301	2	october 16	DATE
fsr-4057	303	1	88(198	DATE
fsr-4057	303	2	71120-71124	DATE
fsr-4057	304	1	nts/2023/10/16/2023-22774	DATE
fsr-4057	307	1	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193 https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193 https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	PERSON
fsr-4057	308	1	https://www.consumerfinance.gov/compliance/consumer-complaint-program/ https://www.consumerfinance.gov/compliance/consumer-complaint-program/	PERSON
fsr-4057	308	2	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/ https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/ https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/ https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/ https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/ https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/ https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/ https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/ https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/ https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions birkenmaier &	PERSON
fsr-4057	308	3	33	CARDINAL
fsr-4057	308	4	consumer financial protection bureau	ORG
fsr-4057	309	1	2023e	DATE
fsr-4057	310	1	annual	DATE
fsr-4057	311	1	ments/cfpb_2022-consumer-responseannual-report_2023-03.pdf	ORG
fsr-4057	312	1	2024	CARDINAL
fsr-4057	312	2	july 9	DATE
fsr-4057	313	1	fifth	ORDINAL
fsr-4057	313	2	third	ORDINAL
fsr-4057	314	1	fifth-third	DATE
fsr-4057	314	2	m.	PERSON
fsr-4057	314	3	l. l.	PERSON
fsr-4057	314	4	2024	CARDINAL
fsr-4057	316	1	77(2-3	DATE
fsr-4057	316	2	101620	DATE
fsr-4057	318	1	2022	CARDINAL
fsr-4057	320	1	h. & liu	ORG
fsr-4057	320	2	2023	CARDINAL
fsr-4057	321	1	american	NORP
fsr-4057	322	1	journal of financial crime	ORG
fsr-4057	323	1	fdic	ORG
fsr-4057	324	1	2019	DATE
fsr-4057	325	1	america	GPE
fsr-4057	326	1	fdic	ORG
fsr-4057	327	1	2022	CARDINAL
fsr-4057	328	1	2021	CARDINAL
fsr-4057	328	2	fdic national	ORG
fsr-4057	329	1	ftc	ORG
fsr-4057	330	1	n.d.	GPE
fsr-4057	332	1	t. & pawar, a.	ORG
fsr-4057	332	2	2023	CARDINAL
fsr-4057	333	1	chicago	GPE
fsr-4057	335	1	university of michigan	ORG
fsr-4057	336	1	d. e.	PERSON
fsr-4057	336	2	2010	DATE
fsr-4057	338	1	the better business bureau	ORG
fsr-4057	339	1	44(1	CARDINAL
fsr-4057	339	2	3-23	CARDINAL
fsr-4057	341	1	r. m.	PERSON
fsr-4057	341	2	m. j.	PERSON
fsr-4057	341	3	2024	CARDINAL
fsr-4057	344	1	https://doi.org/10.1111/jmcb.13127 gyamfi	PERSON
fsr-4057	344	2	n. k.	PERSON
fsr-4057	344	3	mohammed	PERSON
fsr-4057	344	4	m. a.	PERSON
fsr-4057	344	5	k.	PERSON
fsr-4057	344	6	katsriku	GPE
fsr-4057	344	7	f., & abdulah	ORG
fsr-4057	344	8	j. d.	PERSON
fsr-4057	344	9	2016	DATE
fsr-4057	345	1	atms	ORG
fsr-4057	345	2	ghanaian	NORP
fsr-4057	346	1	6(1	CARDINAL
fsr-4057	346	2	102-112	CARDINAL
fsr-4057	347	1	halvorsen	ORG
fsr-4057	347	2	j. l. & møkkelgård	ORG
fsr-4057	347	3	j. (2018	ORG
fsr-4057	349	1	norwegian	NORP
fsr-4057	350	1	nhh brage	PERSON
fsr-4057	351	1	hayes	PERSON
fsr-4057	351	2	r. m.	PERSON
fsr-4057	351	3	jiang	PERSON
fsr-4057	351	4	2021	CARDINAL
fsr-4057	353	1	journal of accounting research	ORG
fsr-4057	353	2	59(3	CARDINAL
fsr-4057	353	3	1077-1121	CARDINAL
fsr-4057	355	1	33(2	CARDINAL
fsr-4057	355	2	34	CARDINAL
fsr-4057	355	3	hsu	PERSON
fsr-4057	355	4	m. j.	PERSON
fsr-4057	355	5	2024	CARDINAL
fsr-4057	356	1	michael j. hsu	PERSON
fsr-4057	358	1	2021	CARDINAL
fsr-4057	360	1	athens journal of law	ORG
fsr-4057	360	2	7	CARDINAL
fsr-4057	360	3	617	CARDINAL
fsr-4057	361	1	https://doi.org/10.30958/ajl.7-4-11 kabadayi	PERSON
fsr-4057	361	2	s.	PERSON
fsr-4057	361	3	2016	CARDINAL
fsr-4057	363	1	21	CARDINAL
fsr-4057	363	2	194	CARDINAL
fsr-4057	363	3	208	CARDINAL
fsr-4057	364	1	kamran	GPE
fsr-4057	364	2	s. & uusitalo	ORG
fsr-4057	364	3	2019	CARDINAL
fsr-4057	366	1	39(1	CARDINAL
fsr-4057	366	2	65-85	DATE
fsr-4057	367	1	1436704	DATE
fsr-4057	367	2	kim	PERSON
fsr-4057	367	3	lee	PERSON
fsr-4057	367	4	w. n.,	PERSON
fsr-4057	367	5	j. h.	PERSON
fsr-4057	367	6	2013	DATE
fsr-4057	368	1	between 2006 and 2010	DATE
fsr-4057	369	1	journal of business research	ORG
fsr-4057	369	2	66(9	CARDINAL
fsr-4057	369	3	1644-1650	CARDINAL
fsr-4057	370	1	.010	CARDINAL
fsr-4057	370	2	l. & lusardi	ORG
fsr-4057	370	3	a.	PERSON
fsr-4057	370	4	2019	DATE
fsr-4057	372	1	49(3	CARDINAL
fsr-4057	372	2	589-614	CARDINAL
fsr-4057	373	1	https://doi.org/10.1111/fima.12283 krippendorff	PERSON
fsr-4057	373	2	2019	DATE
fsr-4057	376	1	lee	PERSON
fsr-4057	376	2	n. t.	PERSON
fsr-4057	376	3	seddon	GPE
fsr-4057	376	4	j.	PERSON
fsr-4057	376	5	b. & lai	ORG
fsr-4057	376	6	s.	PERSON
fsr-4057	376	7	2022	CARDINAL
fsr-4057	378	1	brookings	PERSON
fsr-4057	379	1	https://www.brookings.edu/articles/why -the-federal-government-	PERSON
fsr-4057	379	2	divide/	GPE
fsr-4057	379	3	l.	PERSON
fsr-4057	379	4	turner	PERSON
fsr-4057	379	5	r., & kuppelwieser	ORG
fsr-4057	379	6	v. g.	PERSON
fsr-4057	379	7	2021	CARDINAL
fsr-4057	381	1	58	CARDINAL
fsr-4057	381	2	102216	DATE
fsr-4057	382	1	.102216 lim	PERSON
fsr-4057	382	2	j. c.	PERSON
fsr-4057	382	3	2023	CARDINAL
fsr-4057	384	1	46(2	CARDINAL
fsr-4057	384	2	109	CARDINAL
fsr-4057	385	1	2020	DATE
fsr-4057	387	1	3	CARDINAL
fsr-4057	387	2	27	CARDINAL
fsr-4057	388	1	https://ssrn.com/abstract=3562889 morgan	PERSON
fsr-4057	388	2	r. e.	PERSON
fsr-4057	388	3	2021	CARDINAL
fsr-4057	389	1	the united states	GPE
fsr-4057	389	2	2017	DATE
fsr-4057	390	1	u.s.	GPE
fsr-4057	390	2	justice	ORG
fsr-4057	391	1	https://bjs.ojp.gov/content/pub/pdf/ffus1 7.pdf national bureau of economic research	ORG
fsr-4057	392	1	2023	CARDINAL
fsr-4057	394	1	ks	GPE
fsr-4057	394	2	m. (2018	ORG
fsr-4057	397	1	university of johannesburg	ORG
fsr-4057	398	1	proquest dissertations & theses	ORG
fsr-4057	399	1	g. e.	PERSON
fsr-4057	399	2	newmeyer	PERSON
fsr-4057	399	3	c. e.	PERSON
fsr-4057	399	4	wong	GPE
fsr-4057	399	5	n. y. c.	PERSON
fsr-4057	399	6	j. b.	PERSON
fsr-4057	399	7	l. a.	PERSON
fsr-4057	399	8	komarova	GPE
fsr-4057	399	9	c., ong	GPE
fsr-4057	399	10	l. l.	PERSON
fsr-4057	399	11	2019	DATE
fsr-4057	400	1	https://doi.org/10.30958/ajl.7-4-11 https://doi.org/10.1057/s41264-016-0005-2 https://doi.org/10.1057/s41264-016-0005-2 https://doi.org/10.1080/02642069.2018.1436704 https://doi.org/10.1080/02642069.2018.1436704	PERSON
fsr-4057	401	1	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	GPE
fsr-4057	401	2	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	GPE
fsr-4057	401	3	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	GPE
fsr-4057	401	4	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	GPE
fsr-4057	401	5	35	CARDINAL
fsr-4057	402	1	100	CARDINAL
fsr-4057	402	2	421	CARDINAL
fsr-4057	403	1	.033	CARDINAL
fsr-4057	403	2	j. q.	PERSON
fsr-4057	403	3	2011	DATE
fsr-4057	405	1	87(4	CARDINAL
fsr-4057	405	2	598-612	CARDINAL
fsr-4057	406	1	2016	DATE
fsr-4057	408	1	the federal reserve	ORG
fsr-4057	409	1	ajmal	PERSON
fsr-4057	409	2	m. m.	PERSON
fsr-4057	409	3	a.	PERSON
fsr-4057	409	4	2023	CARDINAL
fsr-4057	410	1	us	GPE
fsr-4057	411	1	a. rafay	PERSON
fsr-4057	411	2	1-27	CARDINAL
fsr-4057	413	1	salisbury	GPE
fsr-4057	413	2	l. c.	PERSON
fsr-4057	413	3	g. y.	PERSON
fsr-4057	413	4	s. j.	PERSON
fsr-4057	413	5	hill	GPE
fsr-4057	413	6	r. p.	PERSON
fsr-4057	413	7	a. l.	PERSON
fsr-4057	413	8	martin	PERSON
fsr-4057	413	9	k. d.	PERSON
fsr-4057	413	10	2023	CARDINAL
fsr-4057	415	1	87(5	CARDINAL
fsr-4057	415	2	657-678	CARDINAL
fsr-4057	416	1	2023	CARDINAL
fsr-4057	418	1	1	CARDINAL
fsr-4057	419	1	d.	NORP
fsr-4057	419	2	elizabeth o'connor	PERSON
fsr-4057	419	3	wong	GPE
fsr-4057	419	4	n., & newmeyer	ORG
fsr-4057	419	5	2022	CARDINAL
fsr-4057	421	1	56(3	CARDINAL
fsr-4057	421	2	1148-1177	CARDINAL
fsr-4057	422	1	https://doi.org/10.1111/joca.12468 https://doi.org/10.1016/j.jbusres.2018.12.033 https://doi.org/10.1016/j.jbusres.2018.12.033 https://doi.org/10.1016/j.jbusres.2018.12.033	PERSON
fsr-4057	422	2	https://doi.org/10.1016/j.jretai.2011.05.002 https://doi.org/10.1016/j.jretai.2011.05.002	LOC