id	sid	tid	token	lemma	pos
iiclr-25065	1	1	toward	toward	ADP
iiclr-25065	1	2	regulatory	regulatory	ADJ
iiclr-25065	1	3	mass	mass	NOUN
iiclr-25065	1	4	redress	redress	NOUN
iiclr-25065	1	5	schemes	scheme	NOUN
iiclr-25065	1	6	–	–	PUNCT
iiclr-25065	1	7	mass	mass	ADJ
iiclr-25065	1	8	redress	redress	NOUN
iiclr-25065	1	9	in	in	ADP
iiclr-25065	1	10	financial	financial	ADJ
iiclr-25065	1	11	mis	mis	NOUN
iiclr-25065	1	12	-	-	PUNCT
iiclr-25065	1	13	selling	sell	VERB
iiclr-25065	1	14	scandals	scandal	NOUN
iiclr-25065	1	15	in	in	ADP
iiclr-25065	1	16	the	the	DET
iiclr-25065	1	17	u.s	u.s	PROPN
iiclr-25065	1	18	.	.	PROPN
iiclr-25065	1	19	,	,	PUNCT
iiclr-25065	1	20	the	the	DET
iiclr-25065	1	21	u.k	u.k	PROPN
iiclr-25065	1	22	.	.	PROPN
iiclr-25065	1	23	and	and	CCONJ
iiclr-25065	1	24	south	south	PROPN
iiclr-25065	1	25	korea	korea	PROPN
iiclr-25065	1	26	–	–	PUNCT
iiclr-25065	1	27	you	you	PRON
iiclr-25065	1	28	kyung	kyung	PROPN
iiclr-25065	1	29	huh	huh	PROPN
iiclr-25065	1	30	*	*	PROPN
iiclr-25065	1	31	i.	i.	PROPN
iiclr-25065	1	32	introduction	introduction	NOUN
iiclr-25065	1	33	collective	collective	ADJ
iiclr-25065	1	34	actions	action	NOUN
iiclr-25065	1	35	such	such	ADJ
iiclr-25065	1	36	as	as	ADP
iiclr-25065	1	37	class	class	NOUN
iiclr-25065	1	38	litigation	litigation	NOUN
iiclr-25065	1	39	,	,	PUNCT
iiclr-25065	1	40	once	once	ADV
iiclr-25065	1	41	hailed	hail	VERB
iiclr-25065	1	42	as	as	ADP
iiclr-25065	1	43	the	the	DET
iiclr-25065	1	44	conventional	conventional	ADJ
iiclr-25065	1	45	go	go	NOUN
iiclr-25065	1	46	-	-	PUNCT
iiclr-25065	1	47	to	to	PART
iiclr-25065	1	48	remedy	remedy	VERB
iiclr-25065	1	49	for	for	ADP
iiclr-25065	1	50	mass	mass	ADJ
iiclr-25065	1	51	harm	harm	NOUN
iiclr-25065	1	52	,	,	PUNCT
iiclr-25065	1	53	have	have	AUX
iiclr-25065	1	54	proved	prove	VERB
iiclr-25065	1	55	to	to	PART
iiclr-25065	1	56	be	be	AUX
iiclr-25065	1	57	expensive	expensive	ADJ
iiclr-25065	1	58	,	,	PUNCT
iiclr-25065	1	59	inefficient	inefficient	ADJ
iiclr-25065	1	60	,	,	PUNCT
iiclr-25065	1	61	and	and	CCONJ
iiclr-25065	1	62	ineffective	ineffective	ADJ
iiclr-25065	1	63	.	.	PUNCT
iiclr-25065	2	1	1	1	NUM
iiclr-25065	2	2	alternative	alternative	ADJ
iiclr-25065	2	3	dispute	dispute	NOUN
iiclr-25065	2	4	resolution	resolution	NOUN
iiclr-25065	2	5	systems	system	NOUN
iiclr-25065	2	6	(	(	PUNCT
iiclr-25065	2	7	adr	adr	PROPN
iiclr-25065	2	8	)	)	PUNCT
iiclr-25065	2	9	,	,	PUNCT
iiclr-25065	2	10	online	online	ADJ
iiclr-25065	2	11	dispute	dispute	NOUN
iiclr-25065	2	12	resolution	resolution	NOUN
iiclr-25065	2	13	(	(	PUNCT
iiclr-25065	2	14	odr	odr	ADV
iiclr-25065	2	15	)	)	PUNCT
iiclr-25065	2	16	systems	system	NOUN
iiclr-25065	2	17	,	,	PUNCT
iiclr-25065	2	18	and	and	CCONJ
iiclr-25065	2	19	collective	collective	ADJ
iiclr-25065	2	20	forms	form	NOUN
iiclr-25065	2	21	of	of	ADP
iiclr-25065	2	22	adr	adr	PROPN
iiclr-25065	2	23	/	/	SYM
iiclr-25065	2	24	odr2	odr2	PROPN
iiclr-25065	2	25	are	be	AUX
iiclr-25065	2	26	increasingly	increasingly	ADV
iiclr-25065	2	27	gaining	gain	VERB
iiclr-25065	2	28	attention	attention	NOUN
iiclr-25065	2	29	as	as	ADP
iiclr-25065	2	30	possible	possible	ADJ
iiclr-25065	2	31	solutions	solution	NOUN
iiclr-25065	2	32	to	to	ADP
iiclr-25065	2	33	the	the	DET
iiclr-25065	2	34	problems	problem	NOUN
iiclr-25065	2	35	of	of	ADP
iiclr-25065	2	36	collective	collective	ADJ
iiclr-25065	2	37	actions.3	actions.3	NOUN
iiclr-25065	2	38	in	in	ADP
iiclr-25065	2	39	some	some	DET
iiclr-25065	2	40	nations	nation	NOUN
iiclr-25065	2	41	,	,	PUNCT
iiclr-25065	2	42	the	the	DET
iiclr-25065	2	43	role	role	NOUN
iiclr-25065	2	44	of	of	ADP
iiclr-25065	2	45	the	the	DET
iiclr-25065	2	46	consumer	consumer	NOUN
iiclr-25065	2	47	ombudsman	ombudsman	NOUN
iiclr-25065	2	48	has	have	AUX
iiclr-25065	2	49	come	come	VERB
iiclr-25065	2	50	to	to	ADP
iiclr-25065	2	51	the	the	DET
iiclr-25065	2	52	fore	fore	NOUN
iiclr-25065	2	53	.	.	PUNCT
iiclr-25065	3	1	regulatory	regulatory	ADJ
iiclr-25065	3	2	redress	redress	NOUN
iiclr-25065	3	3	schemes	scheme	NOUN
iiclr-25065	3	4	,	,	PUNCT
iiclr-25065	3	5	often	often	ADV
iiclr-25065	3	6	used	use	VERB
iiclr-25065	3	7	in	in	ADP
iiclr-25065	3	8	tandem	tandem	NOUN
iiclr-25065	3	9	with	with	ADP
iiclr-25065	3	10	consumer	consumer	NOUN
iiclr-25065	3	11	ombudsmen	ombudsman	NOUN
iiclr-25065	3	12	systems	system	NOUN
iiclr-25065	3	13	,	,	PUNCT
iiclr-25065	3	14	are	be	AUX
iiclr-25065	3	15	the	the	DET
iiclr-25065	3	16	newest	new	ADJ
iiclr-25065	3	17	redress	redress	NOUN
iiclr-25065	3	18	“	"	PUNCT
iiclr-25065	3	19	technology	technology	NOUN
iiclr-25065	3	20	,	,	PUNCT
iiclr-25065	3	21	”	"	PUNCT
iiclr-25065	3	22	4	4	NUM
iiclr-25065	3	23	and	and	CCONJ
iiclr-25065	3	24	they	they	PRON
iiclr-25065	3	25	are	be	AUX
iiclr-25065	3	26	the	the	DET
iiclr-25065	3	27	focus	focus	NOUN
iiclr-25065	3	28	of	of	ADP
iiclr-25065	3	29	this	this	DET
iiclr-25065	3	30	paper	paper	NOUN
iiclr-25065	3	31	.	.	PUNCT
iiclr-25065	4	1	the	the	DET
iiclr-25065	4	2	term	term	NOUN
iiclr-25065	4	3	“	"	PUNCT
iiclr-25065	4	4	regulatory	regulatory	ADJ
iiclr-25065	4	5	redress	redress	NOUN
iiclr-25065	4	6	”	"	PUNCT
iiclr-25065	4	7	refers	refer	VERB
iiclr-25065	4	8	broadly	broadly	ADV
iiclr-25065	4	9	to	to	ADP
iiclr-25065	4	10	a	a	DET
iiclr-25065	4	11	situation	situation	NOUN
iiclr-25065	4	12	where	where	SCONJ
iiclr-25065	4	13	the	the	DET
iiclr-25065	4	14	“	"	PUNCT
iiclr-25065	4	15	intervention	intervention	NOUN
iiclr-25065	4	16	of	of	ADP
iiclr-25065	4	17	a	a	DET
iiclr-25065	4	18	public	public	ADJ
iiclr-25065	4	19	authority	authority	NOUN
iiclr-25065	4	20	”	"	PUNCT
iiclr-25065	4	21	ensures	ensure	VERB
iiclr-25065	4	22	recompense	recompense	NOUN
iiclr-25065	4	23	for	for	ADP
iiclr-25065	4	24	injured	injured	ADJ
iiclr-25065	4	25	consumers.5	consumers.5	NOUN
iiclr-25065	4	26	this	this	DET
iiclr-25065	4	27	regulatory	regulatory	ADJ
iiclr-25065	4	28	power	power	NOUN
iiclr-25065	4	29	can	can	AUX
iiclr-25065	4	30	include	include	VERB
iiclr-25065	4	31	both	both	DET
iiclr-25065	4	32	“	"	PUNCT
iiclr-25065	4	33	soft	soft	ADJ
iiclr-25065	4	34	”	"	PUNCT
iiclr-25065	4	35	influence	influence	NOUN
iiclr-25065	4	36	(	(	PUNCT
iiclr-25065	4	37	where	where	SCONJ
iiclr-25065	4	38	a	a	DET
iiclr-25065	4	39	public	public	ADJ
iiclr-25065	4	40	authority	authority	NOUN
iiclr-25065	4	41	might	might	AUX
iiclr-25065	4	42	be	be	AUX
iiclr-25065	4	43	able	able	ADJ
iiclr-25065	4	44	to	to	PART
iiclr-25065	4	45	persuade	persuade	VERB
iiclr-25065	4	46	,	,	PUNCT
iiclr-25065	4	47	conciliate	conciliate	VERB
iiclr-25065	4	48	,	,	PUNCT
iiclr-25065	4	49	or	or	CCONJ
iiclr-25065	4	50	mediate	mediate	ADJ
iiclr-25065	4	51	redress	redress	NOUN
iiclr-25065	4	52	)	)	PUNCT
iiclr-25065	4	53	and	and	CCONJ
iiclr-25065	4	54	“	"	PUNCT
iiclr-25065	4	55	hard	hard	ADJ
iiclr-25065	4	56	”	"	PUNCT
iiclr-25065	4	57	enforcement	enforcement	NOUN
iiclr-25065	4	58	(	(	PUNCT
iiclr-25065	4	59	where	where	SCONJ
iiclr-25065	4	60	a	a	DET
iiclr-25065	4	61	public	public	ADJ
iiclr-25065	4	62	authority	authority	NOUN
iiclr-25065	4	63	requires	require	VERB
iiclr-25065	4	64	a	a	DET
iiclr-25065	4	65	redress	redress	NOUN
iiclr-25065	4	66	scheme	scheme	NOUN
iiclr-25065	4	67	)	)	PUNCT
iiclr-25065	4	68	.	.	PUNCT
iiclr-25065	5	1	this	this	DET
iiclr-25065	5	2	paper	paper	NOUN
iiclr-25065	5	3	analyzes	analyze	VERB
iiclr-25065	5	4	case	case	NOUN
iiclr-25065	5	5	studies	study	NOUN
iiclr-25065	5	6	from	from	ADP
iiclr-25065	5	7	three	three	NUM
iiclr-25065	5	8	nations	nation	NOUN
iiclr-25065	5	9	that	that	PRON
iiclr-25065	5	10	have	have	AUX
iiclr-25065	5	11	recently	recently	ADV
iiclr-25065	5	12	used	use	VERB
iiclr-25065	5	13	regulatory	regulatory	ADJ
iiclr-25065	5	14	redress	redress	NOUN
iiclr-25065	5	15	schemes	scheme	NOUN
iiclr-25065	5	16	to	to	PART
iiclr-25065	5	17	address	address	VERB
iiclr-25065	5	18	widespread	widespread	ADJ
iiclr-25065	5	19	financial	financial	ADJ
iiclr-25065	5	20	mis	mis	NOUN
iiclr-25065	5	21	-	-	PUNCT
iiclr-25065	5	22	selling	sell	VERB
iiclr-25065	5	23	scandals	scandal	NOUN
iiclr-25065	5	24	.	.	PUNCT
iiclr-25065	6	1	in	in	ADP
iiclr-25065	6	2	response	response	NOUN
iiclr-25065	6	3	to	to	ADP
iiclr-25065	6	4	the	the	DET
iiclr-25065	6	5	inappropriate	inappropriate	ADJ
iiclr-25065	6	6	sales	sale	NOUN
iiclr-25065	6	7	of	of	ADP
iiclr-25065	6	8	credit	credit	NOUN
iiclr-25065	6	9	card	card	NOUN
iiclr-25065	6	10	add	add	VERB
iiclr-25065	6	11	-	-	PUNCT
iiclr-25065	6	12	on	on	ADP
iiclr-25065	6	13	products	product	NOUN
iiclr-25065	6	14	in	in	ADP
iiclr-25065	6	15	the	the	DET
iiclr-25065	6	16	united	united	PROPN
iiclr-25065	6	17	states	states	PROPN
iiclr-25065	6	18	,	,	PUNCT
iiclr-25065	6	19	the	the	DET
iiclr-25065	6	20	consumer	consumer	NOUN
iiclr-25065	6	21	financial	financial	PROPN
iiclr-25065	6	22	protection	protection	PROPN
iiclr-25065	6	23	bureau	bureau	PROPN
iiclr-25065	6	24	(	(	PUNCT
iiclr-25065	6	25	cfpb	cfpb	NOUN
iiclr-25065	6	26	)	)	PUNCT
iiclr-25065	6	27	ordered	order	VERB
iiclr-25065	6	28	financial	financial	ADJ
iiclr-25065	6	29	companies	company	NOUN
iiclr-25065	6	30	to	to	PART
iiclr-25065	6	31	repay	repay	VERB
iiclr-25065	6	32	consumers	consumer	NOUN
iiclr-25065	6	33	whom	whom	PRON
iiclr-25065	6	34	these	these	DET
iiclr-25065	6	35	deceptive	deceptive	ADJ
iiclr-25065	6	36	practices	practice	NOUN
iiclr-25065	6	37	harmed.6	harmed.6	PROPN
iiclr-25065	6	38	in	in	ADP
iiclr-25065	6	39	the	the	DET
iiclr-25065	6	40	united	united	ADJ
iiclr-25065	6	41	kingdom	kingdom	PROPN
iiclr-25065	6	42	,	,	PUNCT
iiclr-25065	6	43	the	the	DET
iiclr-25065	6	44	financial	financial	ADJ
iiclr-25065	6	45	conduct	conduct	NOUN
iiclr-25065	6	46	authority	authority	NOUN
iiclr-25065	6	47	(	(	PUNCT
iiclr-25065	6	48	fca	fca	PROPN
iiclr-25065	6	49	)	)	PUNCT
iiclr-25065	6	50	and	and	CCONJ
iiclr-25065	6	51	the	the	DET
iiclr-25065	6	52	financial	financial	ADJ
iiclr-25065	6	53	ombudsman	ombudsman	NOUN
iiclr-25065	6	54	service	service	NOUN
iiclr-25065	6	55	(	(	PUNCT
iiclr-25065	6	56	fos	fos	NOUN
iiclr-25065	6	57	)	)	PUNCT
iiclr-25065	6	58	ordered	order	VERB
iiclr-25065	6	59	and	and	CCONJ
iiclr-25065	6	60	managed	manage	VERB
iiclr-25065	6	61	consumer	consumer	NOUN
iiclr-25065	6	62	redress	redress	NOUN
iiclr-25065	6	63	schemes	scheme	NOUN
iiclr-25065	6	64	that	that	PRON
iiclr-25065	6	65	reimbursed	reimburse	VERB
iiclr-25065	6	66	millions	million	NOUN
iiclr-25065	6	67	of	of	ADP
iiclr-25065	6	68	consumers	consumer	NOUN
iiclr-25065	6	69	who	who	PRON
iiclr-25065	6	70	were	be	AUX
iiclr-25065	6	71	mis	mi	NOUN
iiclr-25065	6	72	-	-	PUNCT
iiclr-25065	6	73	sold	sell	VERB
iiclr-25065	6	74	payment	payment	NOUN
iiclr-25065	6	75	protection	protection	NOUN
iiclr-25065	6	76	insurance	insurance	NOUN
iiclr-25065	6	77	(	(	PUNCT
iiclr-25065	6	78	ppi	ppi	NOUN
iiclr-25065	6	79	)	)	PUNCT
iiclr-25065	6	80	policies.7	policies.7	NOUN
iiclr-25065	6	81	in	in	ADP
iiclr-25065	6	82	south	south	PROPN
iiclr-25065	6	83	korea	korea	PROPN
iiclr-25065	6	84	,	,	PUNCT
iiclr-25065	6	85	the	the	DET
iiclr-25065	6	86	financial	financial	ADJ
iiclr-25065	6	87	supervisory	supervisory	ADJ
iiclr-25065	6	88	service	service	NOUN
iiclr-25065	6	89	(	(	PUNCT
iiclr-25065	6	90	fss	fss	PROPN
iiclr-25065	6	91	)	)	PUNCT
iiclr-25065	6	92	advised	advise	VERB
iiclr-25065	6	93	financial	financial	ADJ
iiclr-25065	6	94	companies	company	NOUN
iiclr-25065	6	95	to	to	PART
iiclr-25065	6	96	repay	repay	VERB
iiclr-25065	6	97	consumers	consumer	NOUN
iiclr-25065	6	98	for	for	ADP
iiclr-25065	6	99	mis	mis	NOUN
iiclr-25065	6	100	-	-	PUNCT
iiclr-25065	6	101	sold	sell	VERB
iiclr-25065	6	102	credit	credit	NOUN
iiclr-25065	6	103	card	card	NOUN
iiclr-25065	6	104	add	add	VERB
iiclr-25065	6	105	-	-	PUNCT
iiclr-25065	6	106	on	on	ADP
iiclr-25065	6	107	products	product	NOUN
iiclr-25065	6	108	.	.	PUNCT
iiclr-25065	7	1	*	*	PUNCT
iiclr-25065	7	2	s.j.d	s.j.d	NOUN
iiclr-25065	7	3	.	.	PUNCT
iiclr-25065	8	1	candidate	candidate	NOUN
iiclr-25065	8	2	at	at	ADP
iiclr-25065	8	3	the	the	DET
iiclr-25065	8	4	university	university	PROPN
iiclr-25065	8	5	of	of	ADP
iiclr-25065	8	6	virginia	virginia	PROPN
iiclr-25065	8	7	school	school	PROPN
iiclr-25065	8	8	of	of	ADP
iiclr-25065	8	9	law	law	NOUN
iiclr-25065	8	10	;	;	PUNCT
iiclr-25065	8	11	member	member	NOUN
iiclr-25065	8	12	of	of	ADP
iiclr-25065	8	13	the	the	DET
iiclr-25065	8	14	korean	korean	ADJ
iiclr-25065	8	15	bar	bar	NOUN
iiclr-25065	8	16	;	;	PUNCT
iiclr-25065	8	17	director	director	NOUN
iiclr-25065	8	18	of	of	ADP
iiclr-25065	8	19	consumers	consumers	PROPN
iiclr-25065	8	20	korea	korea	PROPN
iiclr-25065	8	21	.	.	PUNCT
iiclr-25065	9	1	1	1	X
iiclr-25065	9	2	.	.	X
iiclr-25065	9	3	see	see	VERB
iiclr-25065	9	4	generally	generally	ADV
iiclr-25065	9	5	christopher	christopher	PROPN
iiclr-25065	9	6	hodges	hodges	PROPN
iiclr-25065	9	7	&	&	CCONJ
iiclr-25065	9	8	stefaan	stefaan	VERB
iiclr-25065	9	9	voet	voet	ADV
iiclr-25065	9	10	,	,	PUNCT
iiclr-25065	9	11	delivering	deliver	VERB
iiclr-25065	9	12	collective	collective	ADJ
iiclr-25065	9	13	redress	redress	NOUN
iiclr-25065	9	14	:	:	PUNCT
iiclr-25065	9	15	new	new	ADJ
iiclr-25065	9	16	technologies	technology	NOUN
iiclr-25065	9	17	(	(	PUNCT
iiclr-25065	9	18	hart	hart	PROPN
iiclr-25065	9	19	publishing	publishing	NOUN
iiclr-25065	9	20	,	,	PUNCT
iiclr-25065	9	21	2018	2018	NUM
iiclr-25065	9	22	)	)	PUNCT
iiclr-25065	9	23	.	.	PUNCT
iiclr-25065	10	1	2	2	X
iiclr-25065	10	2	.	.	X
iiclr-25065	10	3	some	some	DET
iiclr-25065	10	4	adr	adr	PROPN
iiclr-25065	10	5	bodies	body	NOUN
iiclr-25065	10	6	have	have	VERB
iiclr-25065	10	7	the	the	DET
iiclr-25065	10	8	capacity	capacity	NOUN
iiclr-25065	10	9	to	to	PART
iiclr-25065	10	10	aggregate	aggregate	VERB
iiclr-25065	10	11	individual	individual	ADJ
iiclr-25065	10	12	claims	claim	NOUN
iiclr-25065	10	13	and	and	CCONJ
iiclr-25065	10	14	decide	decide	VERB
iiclr-25065	10	15	them	they	PRON
iiclr-25065	10	16	collectively	collectively	ADV
iiclr-25065	10	17	,	,	PUNCT
iiclr-25065	10	18	while	while	SCONJ
iiclr-25065	10	19	others	other	NOUN
iiclr-25065	10	20	do	do	VERB
iiclr-25065	10	21	not	not	PART
iiclr-25065	10	22	.	.	PUNCT
iiclr-25065	11	1	i	i	PRON
iiclr-25065	11	2	d.	d.	PROPN
iiclr-25065	11	3	at	at	ADP
iiclr-25065	11	4	2	2	NUM
iiclr-25065	11	5	.	.	NOUN
iiclr-25065	11	6	3	3	X
iiclr-25065	11	7	.	.	X
iiclr-25065	11	8	see	see	VERB
iiclr-25065	11	9	vicki	vicki	PROPN
iiclr-25065	11	10	waye	waye	PROPN
iiclr-25065	11	11	&	&	CCONJ
iiclr-25065	11	12	vince	vince	PROPN
iiclr-25065	11	13	morabito	morabito	PROPN
iiclr-25065	11	14	,	,	PUNCT
iiclr-25065	11	15	collective	collective	ADJ
iiclr-25065	11	16	forms	form	NOUN
iiclr-25065	11	17	of	of	ADP
iiclr-25065	11	18	consumer	consumer	NOUN
iiclr-25065	11	19	redress	redress	NOUN
iiclr-25065	11	20	:	:	PUNCT
iiclr-25065	11	21	financial	financial	ADJ
iiclr-25065	11	22	ombudsman	ombudsman	NOUN
iiclr-25065	11	23	service	service	NOUN
iiclr-25065	11	24	case	case	NOUN
iiclr-25065	11	25	study	study	NOUN
iiclr-25065	11	26	,	,	PUNCT
iiclr-25065	11	27	12	12	NUM
iiclr-25065	11	28	j.	j.	PROPN
iiclr-25065	11	29	corp	corp	PROPN
iiclr-25065	11	30	.	.	PROPN
iiclr-25065	11	31	l.	l.	PROPN
iiclr-25065	11	32	studies	studies	PROPN
iiclr-25065	11	33	1	1	NUM
iiclr-25065	11	34	,	,	PUNCT
iiclr-25065	11	35	1	1	NUM
iiclr-25065	11	36	(	(	PUNCT
iiclr-25065	11	37	2012	2012	NUM
iiclr-25065	11	38	)	)	PUNCT
iiclr-25065	11	39	.	.	PUNCT
iiclr-25065	12	1	4	4	X
iiclr-25065	12	2	.	.	X
iiclr-25065	12	3	hodges	hodges	PROPN
iiclr-25065	12	4	&	&	CCONJ
iiclr-25065	12	5	voet	voet	PROPN
iiclr-25065	12	6	,	,	PUNCT
iiclr-25065	12	7	supra	supra	PROPN
iiclr-25065	12	8	note	note	NOUN
iiclr-25065	12	9	1	1	NUM
iiclr-25065	12	10	,	,	PUNCT
iiclr-25065	12	11	at	at	ADP
iiclr-25065	12	12	7	7	NUM
iiclr-25065	12	13	.	.	NOUN
iiclr-25065	12	14	5	5	NUM
iiclr-25065	12	15	.	.	PUNCT
iiclr-25065	13	1	i	i	PRON
iiclr-25065	13	2	d.	d.	PROPN
iiclr-25065	13	3	at	at	ADP
iiclr-25065	13	4	153	153	NUM
iiclr-25065	13	5	.	.	PUNCT
iiclr-25065	14	1	6	6	NUM
iiclr-25065	14	2	.	.	X
iiclr-25065	14	3	see	see	VERB
iiclr-25065	14	4	infra	infra	NOUN
iiclr-25065	14	5	part	part	PROPN
iiclr-25065	14	6	ii	ii	PROPN
iiclr-25065	14	7	.	.	PUNCT
iiclr-25065	15	1	b.	b.	PROPN
iiclr-25065	15	2	(	(	PUNCT
iiclr-25065	15	3	2	2	NUM
iiclr-25065	15	4	)	)	PUNCT
iiclr-25065	15	5	.	.	PUNCT
iiclr-25065	16	1	7	7	X
iiclr-25065	16	2	.	.	X
iiclr-25065	16	3	see	see	VERB
iiclr-25065	16	4	generally	generally	ADV
iiclr-25065	16	5	eilis	eili	VERB
iiclr-25065	16	6	ferran	ferran	PROPN
iiclr-25065	16	7	,	,	PUNCT
iiclr-25065	16	8	regulatory	regulatory	ADJ
iiclr-25065	16	9	lessons	lesson	NOUN
iiclr-25065	16	10	from	from	ADP
iiclr-25065	16	11	the	the	DET
iiclr-25065	16	12	payment	payment	NOUN
iiclr-25065	16	13	protection	protection	NOUN
iiclr-25065	16	14	insurance	insurance	NOUN
iiclr-25065	16	15	mis	mi	NOUN
iiclr-25065	16	16	-	-	PUNCT
iiclr-25065	16	17	selling	sell	VERB
iiclr-25065	16	18	scandal	scandal	NOUN
iiclr-25065	16	19	in	in	ADP
iiclr-25065	16	20	the	the	DET
iiclr-25065	16	21	u.k	u.k	PROPN
iiclr-25065	16	22	.	.	PROPN
iiclr-25065	16	23	,	,	PUNCT
iiclr-25065	16	24	13	13	NUM
iiclr-25065	16	25	eur	eur	NOUN
iiclr-25065	16	26	.	.	PUNCT
iiclr-25065	17	1	bus	bus	NOUN
iiclr-25065	17	2	.	.	PUNCT
iiclr-25065	18	1	org	org	PROPN
iiclr-25065	18	2	.	.	PUNCT
iiclr-25065	19	1	l.	l.	PROPN
iiclr-25065	19	2	rev	rev	PROPN
iiclr-25065	19	3	.	.	PROPN
iiclr-25065	19	4	247	247	NUM
iiclr-25065	19	5	(	(	PUNCT
iiclr-25065	19	6	2012	2012	NUM
iiclr-25065	19	7	)	)	PUNCT
iiclr-25065	19	8	.	.	PUNCT
iiclr-25065	20	1	indiana	indiana	PROPN
iiclr-25065	20	2	int’l	int’l	PROPN
iiclr-25065	20	3	&	&	CCONJ
iiclr-25065	20	4	comp	comp	PROPN
iiclr-25065	20	5	.	.	PUNCT
iiclr-25065	21	1	law	law	NOUN
iiclr-25065	21	2	review	review	NOUN
iiclr-25065	22	1	[	[	X
iiclr-25065	22	2	vol	vol	NOUN
iiclr-25065	22	3	.	.	PUNCT
iiclr-25065	22	4	30:99	30:99	NUM
iiclr-25065	22	5	100	100	NUM
iiclr-25065	22	6	the	the	DET
iiclr-25065	22	7	regulatory	regulatory	ADJ
iiclr-25065	22	8	case	case	NOUN
iiclr-25065	22	9	studies	study	NOUN
iiclr-25065	22	10	cited	cite	VERB
iiclr-25065	22	11	in	in	ADP
iiclr-25065	22	12	this	this	DET
iiclr-25065	22	13	article	article	NOUN
iiclr-25065	22	14	all	all	PRON
iiclr-25065	22	15	involve	involve	VERB
iiclr-25065	22	16	harm	harm	NOUN
iiclr-25065	22	17	to	to	ADP
iiclr-25065	22	18	consumers	consumer	NOUN
iiclr-25065	22	19	caused	cause	VERB
iiclr-25065	22	20	by	by	ADP
iiclr-25065	22	21	financial	financial	ADJ
iiclr-25065	22	22	products	product	NOUN
iiclr-25065	22	23	.	.	PUNCT
iiclr-25065	23	1	regulatory	regulatory	ADJ
iiclr-25065	23	2	mass	mass	PROPN
iiclr-25065	23	3	redress	redress	NOUN
iiclr-25065	23	4	works	work	VERB
iiclr-25065	23	5	exceptionally	exceptionally	ADV
iiclr-25065	23	6	well	well	ADV
iiclr-25065	23	7	in	in	ADP
iiclr-25065	23	8	the	the	DET
iiclr-25065	23	9	financial	financial	ADJ
iiclr-25065	23	10	services	service	NOUN
iiclr-25065	23	11	sector	sector	NOUN
iiclr-25065	23	12	because	because	SCONJ
iiclr-25065	23	13	,	,	PUNCT
iiclr-25065	23	14	unlike	unlike	ADP
iiclr-25065	23	15	any	any	DET
iiclr-25065	23	16	other	other	ADJ
iiclr-25065	23	17	industry	industry	NOUN
iiclr-25065	23	18	,	,	PUNCT
iiclr-25065	23	19	it	it	PRON
iiclr-25065	23	20	is	be	AUX
iiclr-25065	23	21	a	a	DET
iiclr-25065	23	22	heavily	heavily	ADV
iiclr-25065	23	23	regulated	regulated	ADJ
iiclr-25065	23	24	industry	industry	NOUN
iiclr-25065	23	25	that	that	PRON
iiclr-25065	23	26	offers	offer	VERB
iiclr-25065	23	27	regulators	regulator	NOUN
iiclr-25065	23	28	unique	unique	ADJ
iiclr-25065	23	29	opportunities	opportunity	NOUN
iiclr-25065	23	30	to	to	PART
iiclr-25065	23	31	access	access	VERB
iiclr-25065	23	32	information	information	NOUN
iiclr-25065	23	33	and	and	CCONJ
iiclr-25065	23	34	intervene	intervene	VERB
iiclr-25065	23	35	at	at	ADP
iiclr-25065	23	36	an	an	DET
iiclr-25065	23	37	early	early	ADJ
iiclr-25065	23	38	stage	stage	NOUN
iiclr-25065	23	39	.	.	PUNCT
iiclr-25065	24	1	the	the	DET
iiclr-25065	24	2	wide	wide	ADJ
iiclr-25065	24	3	variety	variety	NOUN
iiclr-25065	24	4	of	of	ADP
iiclr-25065	24	5	enforcement	enforcement	NOUN
iiclr-25065	24	6	mechanisms	mechanism	NOUN
iiclr-25065	24	7	available	available	ADJ
iiclr-25065	24	8	to	to	ADP
iiclr-25065	24	9	financial	financial	ADJ
iiclr-25065	24	10	regulators	regulator	NOUN
iiclr-25065	24	11	creates	create	VERB
iiclr-25065	24	12	incentives	incentive	NOUN
iiclr-25065	24	13	for	for	SCONJ
iiclr-25065	24	14	the	the	DET
iiclr-25065	24	15	regulated	regulated	ADJ
iiclr-25065	24	16	entities	entity	NOUN
iiclr-25065	24	17	to	to	PART
iiclr-25065	24	18	offer	offer	VERB
iiclr-25065	24	19	redress	redress	NOUN
iiclr-25065	24	20	voluntarily	voluntarily	ADV
iiclr-25065	24	21	and	and	CCONJ
iiclr-25065	24	22	promptly	promptly	ADV
iiclr-25065	24	23	.	.	PUNCT
iiclr-25065	25	1	further	far	ADV
iiclr-25065	25	2	,	,	PUNCT
iiclr-25065	25	3	as	as	ADP
iiclr-25065	25	4	the	the	DET
iiclr-25065	25	5	consumer	consumer	NOUN
iiclr-25065	25	6	harm	harm	NOUN
iiclr-25065	25	7	that	that	SCONJ
iiclr-25065	25	8	financial	financial	ADJ
iiclr-25065	25	9	products	product	NOUN
iiclr-25065	25	10	cause	cause	VERB
iiclr-25065	25	11	can	can	AUX
iiclr-25065	25	12	easily	easily	ADV
iiclr-25065	25	13	be	be	AUX
iiclr-25065	25	14	widespread	widespread	ADJ
iiclr-25065	25	15	,	,	PUNCT
iiclr-25065	25	16	inconspicuous	inconspicuous	ADJ
iiclr-25065	25	17	,	,	PUNCT
iiclr-25065	25	18	and	and	CCONJ
iiclr-25065	25	19	of	of	ADP
iiclr-25065	25	20	low	low	ADJ
iiclr-25065	25	21	-	-	PUNCT
iiclr-25065	25	22	value	value	NOUN
iiclr-25065	25	23	in	in	ADP
iiclr-25065	25	24	individual	individual	ADJ
iiclr-25065	25	25	cases	case	NOUN
iiclr-25065	25	26	,	,	PUNCT
iiclr-25065	25	27	policymakers	policymaker	NOUN
iiclr-25065	25	28	have	have	AUX
iiclr-25065	25	29	come	come	VERB
iiclr-25065	25	30	to	to	PART
iiclr-25065	25	31	consider	consider	VERB
iiclr-25065	25	32	regulatory	regulatory	ADJ
iiclr-25065	25	33	mass	mass	NOUN
iiclr-25065	25	34	redress	redress	NOUN
iiclr-25065	25	35	as	as	ADP
iiclr-25065	25	36	an	an	DET
iiclr-25065	25	37	attractive	attractive	ADJ
iiclr-25065	25	38	alternative	alternative	NOUN
iiclr-25065	25	39	to	to	ADP
iiclr-25065	25	40	traditional	traditional	ADJ
iiclr-25065	25	41	class	class	NOUN
iiclr-25065	25	42	action	action	NOUN
iiclr-25065	25	43	litigation	litigation	NOUN
iiclr-25065	25	44	.	.	PUNCT
iiclr-25065	26	1	regulatory	regulatory	ADJ
iiclr-25065	26	2	redress	redress	NOUN
iiclr-25065	26	3	schemes	scheme	NOUN
iiclr-25065	26	4	operate	operate	VERB
iiclr-25065	26	5	in	in	ADP
iiclr-25065	26	6	the	the	DET
iiclr-25065	26	7	broader	broad	ADJ
iiclr-25065	26	8	milieu	milieu	NOUN
iiclr-25065	26	9	of	of	ADP
iiclr-25065	26	10	each	each	DET
iiclr-25065	26	11	nation	nation	NOUN
iiclr-25065	26	12	’s	’s	PART
iiclr-25065	26	13	unique	unique	ADJ
iiclr-25065	26	14	civil	civil	ADJ
iiclr-25065	26	15	justice	justice	NOUN
iiclr-25065	26	16	system	system	NOUN
iiclr-25065	26	17	and	and	CCONJ
iiclr-25065	26	18	financial	financial	ADJ
iiclr-25065	26	19	regulatory	regulatory	ADJ
iiclr-25065	26	20	architecture	architecture	NOUN
iiclr-25065	26	21	.	.	PUNCT
iiclr-25065	27	1	in	in	ADP
iiclr-25065	27	2	the	the	DET
iiclr-25065	27	3	u.s	u.s	PROPN
iiclr-25065	27	4	.	.	PROPN
iiclr-25065	27	5	and	and	CCONJ
iiclr-25065	27	6	the	the	DET
iiclr-25065	27	7	u.k	u.k	PROPN
iiclr-25065	27	8	.	.	PROPN
iiclr-25065	27	9	,	,	PUNCT
iiclr-25065	27	10	financial	financial	ADJ
iiclr-25065	27	11	authorities	authority	NOUN
iiclr-25065	27	12	promulgate	promulgate	VERB
iiclr-25065	27	13	,	,	PUNCT
iiclr-25065	27	14	impose	impose	VERB
iiclr-25065	27	15	,	,	PUNCT
iiclr-25065	27	16	and	and	CCONJ
iiclr-25065	27	17	operate	operate	VERB
iiclr-25065	27	18	explicit	explicit	ADJ
iiclr-25065	27	19	legal	legal	ADJ
iiclr-25065	27	20	mandates	mandate	NOUN
iiclr-25065	27	21	,	,	PUNCT
iiclr-25065	27	22	guidelines	guideline	NOUN
iiclr-25065	27	23	,	,	PUNCT
iiclr-25065	27	24	and	and	CCONJ
iiclr-25065	27	25	procedures	procedure	NOUN
iiclr-25065	27	26	regarding	regard	VERB
iiclr-25065	27	27	consumer	consumer	NOUN
iiclr-25065	27	28	restitution	restitution	NOUN
iiclr-25065	27	29	or	or	CCONJ
iiclr-25065	27	30	redress	redress	NOUN
iiclr-25065	27	31	schemes	scheme	NOUN
iiclr-25065	27	32	.	.	PUNCT
iiclr-25065	28	1	in	in	ADP
iiclr-25065	28	2	contrast	contrast	NOUN
iiclr-25065	28	3	,	,	PUNCT
iiclr-25065	28	4	the	the	DET
iiclr-25065	28	5	south	south	ADJ
iiclr-25065	28	6	korean	korean	ADJ
iiclr-25065	28	7	case	case	NOUN
iiclr-25065	28	8	lacks	lack	VERB
iiclr-25065	28	9	a	a	DET
iiclr-25065	28	10	legal	legal	ADJ
iiclr-25065	28	11	basis	basis	NOUN
iiclr-25065	28	12	for	for	ADP
iiclr-25065	28	13	its	its	PRON
iiclr-25065	28	14	consumer	consumer	NOUN
iiclr-25065	28	15	redress	redress	NOUN
iiclr-25065	28	16	scheme	scheme	NOUN
iiclr-25065	28	17	and	and	CCONJ
iiclr-25065	28	18	is	be	AUX
iiclr-25065	28	19	much	much	ADV
iiclr-25065	28	20	more	more	ADV
iiclr-25065	28	21	informal	informal	ADJ
iiclr-25065	28	22	.	.	PUNCT
iiclr-25065	29	1	what	what	PRON
iiclr-25065	29	2	these	these	DET
iiclr-25065	29	3	regulatory	regulatory	ADJ
iiclr-25065	29	4	redress	redress	NOUN
iiclr-25065	29	5	schemes	scheme	NOUN
iiclr-25065	29	6	have	have	AUX
iiclr-25065	29	7	in	in	ADP
iiclr-25065	29	8	common	common	ADJ
iiclr-25065	29	9	is	be	AUX
iiclr-25065	29	10	that	that	SCONJ
iiclr-25065	29	11	they	they	PRON
iiclr-25065	29	12	can	can	AUX
iiclr-25065	29	13	be	be	AUX
iiclr-25065	29	14	very	very	ADV
iiclr-25065	29	15	accessible	accessible	ADJ
iiclr-25065	29	16	,	,	PUNCT
iiclr-25065	29	17	effective	effective	ADJ
iiclr-25065	29	18	,	,	PUNCT
iiclr-25065	29	19	and	and	CCONJ
iiclr-25065	29	20	efficient	efficient	ADJ
iiclr-25065	29	21	,	,	PUNCT
iiclr-25065	29	22	particularly	particularly	ADV
iiclr-25065	29	23	in	in	ADP
iiclr-25065	29	24	low	low	ADJ
iiclr-25065	29	25	-	-	PUNCT
iiclr-25065	29	26	value	value	NOUN
iiclr-25065	29	27	but	but	CCONJ
iiclr-25065	29	28	widespread	widespread	ADJ
iiclr-25065	29	29	financial	financial	ADJ
iiclr-25065	29	30	mis	mis	NOUN
iiclr-25065	29	31	-	-	PUNCT
iiclr-25065	29	32	selling	sell	VERB
iiclr-25065	29	33	cases	case	NOUN
iiclr-25065	29	34	.	.	PUNCT
iiclr-25065	30	1	however	however	ADV
iiclr-25065	30	2	,	,	PUNCT
iiclr-25065	30	3	regulatory	regulatory	ADJ
iiclr-25065	30	4	redress	redress	NOUN
iiclr-25065	30	5	schemes	scheme	NOUN
iiclr-25065	30	6	are	be	AUX
iiclr-25065	30	7	not	not	PART
iiclr-25065	30	8	without	without	ADP
iiclr-25065	30	9	drawbacks	drawback	NOUN
iiclr-25065	30	10	.	.	PUNCT
iiclr-25065	31	1	critics	critic	NOUN
iiclr-25065	31	2	argue	argue	VERB
iiclr-25065	31	3	that	that	SCONJ
iiclr-25065	31	4	consent	consent	NOUN
iiclr-25065	31	5	replaces	replace	VERB
iiclr-25065	31	6	the	the	DET
iiclr-25065	31	7	rule	rule	NOUN
iiclr-25065	31	8	of	of	ADP
iiclr-25065	31	9	law	law	NOUN
iiclr-25065	31	10	,	,	PUNCT
iiclr-25065	31	11	and	and	CCONJ
iiclr-25065	31	12	administrative	administrative	ADJ
iiclr-25065	31	13	actions	action	NOUN
iiclr-25065	31	14	replace	replace	VERB
iiclr-25065	31	15	due	due	ADJ
iiclr-25065	31	16	process.8	process.8	PROPN
iiclr-25065	31	17	they	they	PRON
iiclr-25065	31	18	also	also	ADV
iiclr-25065	31	19	raise	raise	VERB
iiclr-25065	31	20	the	the	DET
iiclr-25065	31	21	concern	concern	NOUN
iiclr-25065	31	22	that	that	SCONJ
iiclr-25065	31	23	the	the	DET
iiclr-25065	31	24	new	new	ADJ
iiclr-25065	31	25	processes	process	NOUN
iiclr-25065	31	26	emphasize	emphasize	VERB
iiclr-25065	31	27	efficiency	efficiency	NOUN
iiclr-25065	31	28	over	over	ADP
iiclr-25065	31	29	the	the	DET
iiclr-25065	31	30	right	right	NOUN
iiclr-25065	31	31	to	to	ADP
iiclr-25065	31	32	a	a	DET
iiclr-25065	31	33	fair	fair	ADJ
iiclr-25065	31	34	trial	trial	NOUN
iiclr-25065	31	35	by	by	ADP
iiclr-25065	31	36	an	an	DET
iiclr-25065	31	37	independent	independent	ADJ
iiclr-25065	31	38	judiciary	judiciary	NOUN
iiclr-25065	31	39	that	that	PRON
iiclr-25065	31	40	will	will	AUX
iiclr-25065	31	41	consider	consider	VERB
iiclr-25065	31	42	the	the	DET
iiclr-25065	31	43	evidence	evidence	NOUN
iiclr-25065	31	44	and	and	CCONJ
iiclr-25065	31	45	apply	apply	VERB
iiclr-25065	31	46	the	the	DET
iiclr-25065	31	47	law.9	law.9	PROPN
iiclr-25065	31	48	thus	thus	ADV
iiclr-25065	31	49	,	,	PUNCT
iiclr-25065	31	50	designing	design	VERB
iiclr-25065	31	51	an	an	DET
iiclr-25065	31	52	optimal	optimal	ADJ
iiclr-25065	31	53	regulatory	regulatory	ADJ
iiclr-25065	31	54	redress	redress	NOUN
iiclr-25065	31	55	scheme	scheme	NOUN
iiclr-25065	31	56	becomes	become	VERB
iiclr-25065	31	57	a	a	DET
iiclr-25065	31	58	balancing	balance	VERB
iiclr-25065	31	59	act	act	NOUN
iiclr-25065	31	60	between	between	ADP
iiclr-25065	31	61	efficiency	efficiency	NOUN
iiclr-25065	31	62	gains	gain	NOUN
iiclr-25065	31	63	and	and	CCONJ
iiclr-25065	31	64	due	due	ADJ
iiclr-25065	31	65	process	process	NOUN
iiclr-25065	31	66	.	.	PUNCT
iiclr-25065	32	1	this	this	DET
iiclr-25065	32	2	paper	paper	NOUN
iiclr-25065	32	3	reflects	reflect	VERB
iiclr-25065	32	4	on	on	ADP
iiclr-25065	32	5	the	the	DET
iiclr-25065	32	6	implications	implication	NOUN
iiclr-25065	32	7	of	of	ADP
iiclr-25065	32	8	these	these	DET
iiclr-25065	32	9	three	three	NUM
iiclr-25065	32	10	case	case	NOUN
iiclr-25065	32	11	studies	study	NOUN
iiclr-25065	32	12	and	and	CCONJ
iiclr-25065	32	13	proposes	propose	VERB
iiclr-25065	32	14	various	various	ADJ
iiclr-25065	32	15	factors	factor	NOUN
iiclr-25065	32	16	that	that	PRON
iiclr-25065	32	17	legislators	legislator	NOUN
iiclr-25065	32	18	should	should	AUX
iiclr-25065	32	19	consider	consider	VERB
iiclr-25065	32	20	when	when	SCONJ
iiclr-25065	32	21	designing	design	VERB
iiclr-25065	32	22	regulatory	regulatory	ADJ
iiclr-25065	32	23	redress	redress	NOUN
iiclr-25065	32	24	schemes	scheme	NOUN
iiclr-25065	32	25	.	.	PUNCT
iiclr-25065	33	1	ii	ii	X
iiclr-25065	33	2	.	.	PUNCT
iiclr-25065	34	1	delivering	deliver	VERB
iiclr-25065	34	2	consumer	consumer	NOUN
iiclr-25065	34	3	redress	redress	NOUN
iiclr-25065	34	4	a.	a.	NOUN
iiclr-25065	34	5	pathways	pathway	NOUN
iiclr-25065	34	6	to	to	PART
iiclr-25065	34	7	delivery	delivery	VERB
iiclr-25065	34	8	modern	modern	ADJ
iiclr-25065	34	9	consumer	consumer	NOUN
iiclr-25065	34	10	protection	protection	NOUN
iiclr-25065	34	11	policy	policy	NOUN
iiclr-25065	34	12	appropriately	appropriately	ADV
iiclr-25065	34	13	places	place	VERB
iiclr-25065	34	14	consumers	consumer	NOUN
iiclr-25065	34	15	’	’	PART
iiclr-25065	34	16	rights	right	NOUN
iiclr-25065	34	17	to	to	PART
iiclr-25065	34	18	redress	redress	NOUN
iiclr-25065	34	19	at	at	ADP
iiclr-25065	34	20	its	its	PRON
iiclr-25065	34	21	center.10	center.10	ADJ
iiclr-25065	34	22	several	several	ADJ
iiclr-25065	34	23	pathways	pathway	NOUN
iiclr-25065	34	24	deliver	deliver	VERB
iiclr-25065	34	25	redress	redress	NOUN
iiclr-25065	34	26	for	for	ADP
iiclr-25065	34	27	consumer	consumer	NOUN
iiclr-25065	34	28	harm	harm	NOUN
iiclr-25065	34	29	,	,	PUNCT
iiclr-25065	34	30	although	although	SCONJ
iiclr-25065	34	31	some	some	PRON
iiclr-25065	34	32	are	be	AUX
iiclr-25065	34	33	more	more	ADV
iiclr-25065	34	34	effective	effective	ADJ
iiclr-25065	34	35	and	and	CCONJ
iiclr-25065	34	36	efficient	efficient	ADJ
iiclr-25065	34	37	than	than	ADP
iiclr-25065	34	38	others	other	NOUN
iiclr-25065	34	39	.	.	PUNCT
iiclr-25065	35	1	this	this	DET
iiclr-25065	35	2	section	section	NOUN
iiclr-25065	35	3	briefly	briefly	ADV
iiclr-25065	35	4	8	8	NUM
iiclr-25065	35	5	.	.	PUNCT
iiclr-25065	35	6	micheal	micheal	PROPN
iiclr-25065	35	7	legg	legg	PROPN
iiclr-25065	35	8	,	,	PUNCT
iiclr-25065	35	9	many	many	ADJ
iiclr-25065	35	10	wrongs	wrong	NOUN
iiclr-25065	35	11	can	can	AUX
iiclr-25065	35	12	make	make	VERB
iiclr-25065	35	13	a	a	DET
iiclr-25065	35	14	right	right	NOUN
iiclr-25065	35	15	:	:	PUNCT
iiclr-25065	35	16	how	how	SCONJ
iiclr-25065	35	17	mass	mass	ADJ
iiclr-25065	35	18	redress	redress	NOUN
iiclr-25065	35	19	schemes	scheme	NOUN
iiclr-25065	35	20	can	can	AUX
iiclr-25065	35	21	replace	replace	VERB
iiclr-25065	35	22	court	court	NOUN
iiclr-25065	35	23	action	action	NOUN
iiclr-25065	35	24	(	(	PUNCT
iiclr-25065	35	25	nov	nov	PROPN
iiclr-25065	35	26	.	.	PROPN
iiclr-25065	35	27	23	23	NUM
iiclr-25065	35	28	,	,	PUNCT
iiclr-25065	35	29	2015	2015	NUM
iiclr-25065	35	30	)	)	PUNCT
iiclr-25065	35	31	,	,	PUNCT
iiclr-25065	35	32	http://theconversation.com/many-wrongs-can-make-aright-how-mass-redress-schemes-can-replace-court-action-51118	http://theconversation.com/many-wrongs-can-make-aright-how-mass-redress-schemes-can-replace-court-action-51118	VERB
iiclr-25065	35	33	[	[	X
iiclr-25065	35	34	https://perma.cc/9mtz-964	https://perma.cc/9mtz-964	X
iiclr-25065	35	35	]	]	X
iiclr-25065	35	36	.	.	PUNCT
iiclr-25065	36	1	9	9	X
iiclr-25065	36	2	.	.	X
iiclr-25065	37	1	i	i	PRON
iiclr-25065	37	2	d.	d.	PROPN
iiclr-25065	37	3	10	10	NUM
iiclr-25065	37	4	.	.	PUNCT
iiclr-25065	38	1	see	see	VERB
iiclr-25065	38	2	united	united	PROPN
iiclr-25065	38	3	nations	nations	PROPN
iiclr-25065	38	4	conference	conference	PROPN
iiclr-25065	38	5	on	on	ADP
iiclr-25065	38	6	trade	trade	NOUN
iiclr-25065	38	7	and	and	CCONJ
iiclr-25065	38	8	development	development	NOUN
iiclr-25065	38	9	,	,	PUNCT
iiclr-25065	38	10	dispute	dispute	NOUN
iiclr-25065	38	11	resolution	resolution	NOUN
iiclr-25065	38	12	and	and	CCONJ
iiclr-25065	38	13	redress	redress	NOUN
iiclr-25065	38	14	at	at	ADP
iiclr-25065	38	15	1	1	NUM
iiclr-25065	38	16	(	(	PUNCT
iiclr-25065	38	17	jul	jul	PROPN
iiclr-25065	38	18	.	.	PROPN
iiclr-25065	38	19	9	9	NUM
iiclr-25065	38	20	-	-	SYM
iiclr-25065	38	21	10	10	NUM
iiclr-25065	38	22	,	,	PUNCT
iiclr-25065	38	23	2018	2018	NUM
iiclr-25065	38	24	)	)	PUNCT
iiclr-25065	38	25	,	,	PUNCT
iiclr-25065	38	26	https://unctad.org/meetings/en/sessionaldocuments/cicplpd11	https://unctad.org/meetings/en/sessionaldocuments/cicplpd11	PROPN
iiclr-25065	38	27	_	_	PUNCT
iiclr-25065	38	28	en.pdf	en.pdf	PROPN
iiclr-25065	38	29	)	)	PUNCT
iiclr-25065	39	1	[	[	X
iiclr-25065	39	2	https://perma.cc/y66q-mljm	https://perma.cc/y66q-mljm	X
iiclr-25065	39	3	]	]	X
iiclr-25065	39	4	[	[	X
iiclr-25065	39	5	hereinafter	hereinafter	NOUN
iiclr-25065	39	6	unctad	unctad	NOUN
iiclr-25065	39	7	(	(	PUNCT
iiclr-25065	39	8	2018	2018	NUM
iiclr-25065	39	9	)	)	PUNCT
iiclr-25065	39	10	]	]	PUNCT
iiclr-25065	39	11	.	.	PUNCT
iiclr-25065	40	1	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	PROPN
iiclr-25065	40	2	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	VERB
iiclr-25065	40	3	2019	2019	NUM
iiclr-25065	40	4	]	]	PUNCT
iiclr-25065	40	5	toward	toward	ADP
iiclr-25065	40	6	regulatory	regulatory	ADJ
iiclr-25065	40	7	mass	mass	NOUN
iiclr-25065	40	8	redress	redress	NOUN
iiclr-25065	40	9	schemes	scheme	NOUN
iiclr-25065	40	10	101	101	NUM
iiclr-25065	40	11	surveys	survey	NOUN
iiclr-25065	40	12	the	the	DET
iiclr-25065	40	13	options	option	NOUN
iiclr-25065	40	14	available	available	ADJ
iiclr-25065	40	15	to	to	ADP
iiclr-25065	40	16	consumers	consumer	NOUN
iiclr-25065	40	17	around	around	ADP
iiclr-25065	40	18	the	the	DET
iiclr-25065	40	19	world	world	NOUN
iiclr-25065	40	20	to	to	PART
iiclr-25065	40	21	deliver	deliver	VERB
iiclr-25065	40	22	redress	redress	NOUN
iiclr-25065	40	23	for	for	ADP
iiclr-25065	40	24	harm	harm	NOUN
iiclr-25065	40	25	and	and	CCONJ
iiclr-25065	40	26	examines	examine	VERB
iiclr-25065	40	27	recent	recent	ADJ
iiclr-25065	40	28	global	global	ADJ
iiclr-25065	40	29	trends	trend	NOUN
iiclr-25065	40	30	and	and	CCONJ
iiclr-25065	40	31	discussions	discussion	NOUN
iiclr-25065	40	32	.	.	PUNCT
iiclr-25065	41	1	access	access	NOUN
iiclr-25065	41	2	to	to	ADP
iiclr-25065	41	3	judicial	judicial	ADJ
iiclr-25065	41	4	redress	redress	NOUN
iiclr-25065	41	5	is	be	AUX
iiclr-25065	41	6	the	the	DET
iiclr-25065	41	7	most	most	ADV
iiclr-25065	41	8	common	common	ADJ
iiclr-25065	41	9	form	form	NOUN
iiclr-25065	41	10	of	of	ADP
iiclr-25065	41	11	recompense	recompense	NOUN
iiclr-25065	41	12	available	available	ADJ
iiclr-25065	41	13	to	to	PART
iiclr-25065	41	14	harmed	harmed	VERB
iiclr-25065	41	15	consumers	consumer	NOUN
iiclr-25065	41	16	in	in	ADP
iiclr-25065	41	17	most	most	ADJ
iiclr-25065	41	18	nations.11	nations.11	ADJ
iiclr-25065	41	19	legislators	legislator	NOUN
iiclr-25065	41	20	modify	modify	VERB
iiclr-25065	41	21	traditional	traditional	ADJ
iiclr-25065	41	22	civil	civil	ADJ
iiclr-25065	41	23	procedures	procedure	NOUN
iiclr-25065	41	24	,	,	PUNCT
iiclr-25065	41	25	however	however	ADV
iiclr-25065	41	26	,	,	PUNCT
iiclr-25065	41	27	when	when	SCONJ
iiclr-25065	41	28	they	they	PRON
iiclr-25065	41	29	seek	seek	VERB
iiclr-25065	41	30	to	to	PART
iiclr-25065	41	31	redress	redress	VERB
iiclr-25065	41	32	the	the	DET
iiclr-25065	41	33	imbalance	imbalance	NOUN
iiclr-25065	41	34	between	between	ADP
iiclr-25065	41	35	the	the	DET
iiclr-25065	41	36	consumers	consumer	NOUN
iiclr-25065	41	37	and	and	CCONJ
iiclr-25065	41	38	the	the	DET
iiclr-25065	41	39	industry	industry	NOUN
iiclr-25065	41	40	that	that	PRON
iiclr-25065	41	41	stem	stem	VERB
iiclr-25065	41	42	from	from	ADP
iiclr-25065	41	43	information	information	NOUN
iiclr-25065	41	44	and	and	CCONJ
iiclr-25065	41	45	bargaining	bargaining	NOUN
iiclr-25065	41	46	power	power	NOUN
iiclr-25065	41	47	asymmetry	asymmetry	NOUN
iiclr-25065	41	48	.	.	PUNCT
iiclr-25065	42	1	12	12	NUM
iiclr-25065	42	2	further	far	ADV
iiclr-25065	42	3	,	,	PUNCT
iiclr-25065	42	4	in	in	ADP
iiclr-25065	42	5	the	the	DET
iiclr-25065	42	6	consumer	consumer	NOUN
iiclr-25065	42	7	and	and	CCONJ
iiclr-25065	42	8	competition	competition	NOUN
iiclr-25065	42	9	area	area	NOUN
iiclr-25065	42	10	,	,	PUNCT
iiclr-25065	42	11	many	many	ADJ
iiclr-25065	42	12	cases	case	NOUN
iiclr-25065	42	13	involve	involve	VERB
iiclr-25065	42	14	mass	mass	ADJ
iiclr-25065	42	15	injuries	injury	NOUN
iiclr-25065	42	16	,	,	PUNCT
iiclr-25065	42	17	where	where	SCONJ
iiclr-25065	42	18	harm	harm	NOUN
iiclr-25065	42	19	is	be	AUX
iiclr-25065	42	20	widespread	widespread	ADJ
iiclr-25065	42	21	but	but	CCONJ
iiclr-25065	42	22	individual	individual	ADJ
iiclr-25065	42	23	claims	claim	NOUN
iiclr-25065	42	24	are	be	AUX
iiclr-25065	42	25	small	small	ADJ
iiclr-25065	42	26	.	.	PUNCT
iiclr-25065	43	1	in	in	ADP
iiclr-25065	43	2	this	this	DET
iiclr-25065	43	3	situation	situation	NOUN
iiclr-25065	43	4	,	,	PUNCT
iiclr-25065	43	5	it	it	PRON
iiclr-25065	43	6	is	be	AUX
iiclr-25065	43	7	rational	rational	ADJ
iiclr-25065	43	8	for	for	SCONJ
iiclr-25065	43	9	individual	individual	ADJ
iiclr-25065	43	10	consumers	consumer	NOUN
iiclr-25065	43	11	to	to	PART
iiclr-25065	43	12	choose	choose	VERB
iiclr-25065	43	13	not	not	PART
iiclr-25065	43	14	to	to	PART
iiclr-25065	43	15	litigate	litigate	VERB
iiclr-25065	43	16	because	because	SCONJ
iiclr-25065	43	17	their	their	PRON
iiclr-25065	43	18	expected	expect	VERB
iiclr-25065	43	19	benefits	benefit	NOUN
iiclr-25065	43	20	from	from	ADP
iiclr-25065	43	21	a	a	DET
iiclr-25065	43	22	court	court	NOUN
iiclr-25065	43	23	claim	claim	NOUN
iiclr-25065	43	24	do	do	AUX
iiclr-25065	43	25	not	not	PART
iiclr-25065	43	26	justify	justify	VERB
iiclr-25065	43	27	the	the	DET
iiclr-25065	43	28	related	relate	VERB
iiclr-25065	43	29	costs.13	costs.13	PROPN
iiclr-25065	43	30	collective	collective	ADJ
iiclr-25065	43	31	redress	redress	NOUN
iiclr-25065	43	32	has	have	AUX
iiclr-25065	43	33	successfully	successfully	ADV
iiclr-25065	43	34	extended	extend	VERB
iiclr-25065	43	35	the	the	DET
iiclr-25065	43	36	protection	protection	NOUN
iiclr-25065	43	37	of	of	ADP
iiclr-25065	43	38	the	the	DET
iiclr-25065	43	39	law	law	NOUN
iiclr-25065	43	40	to	to	ADP
iiclr-25065	43	41	consumers	consumer	NOUN
iiclr-25065	43	42	for	for	ADP
iiclr-25065	43	43	whom	whom	PRON
iiclr-25065	43	44	individual	individual	ADJ
iiclr-25065	43	45	civil	civil	ADJ
iiclr-25065	43	46	actions	action	NOUN
iiclr-25065	43	47	have	have	AUX
iiclr-25065	43	48	proven	prove	VERB
iiclr-25065	43	49	unviable	unviable	ADJ
iiclr-25065	43	50	.	.	PUNCT
iiclr-25065	44	1	collective	collective	ADJ
iiclr-25065	44	2	redress	redress	NOUN
iiclr-25065	44	3	in	in	ADP
iiclr-25065	44	4	the	the	DET
iiclr-25065	44	5	form	form	NOUN
iiclr-25065	44	6	of	of	ADP
iiclr-25065	44	7	judicial	judicial	ADJ
iiclr-25065	44	8	class	class	NOUN
iiclr-25065	44	9	litigation	litigation	NOUN
iiclr-25065	44	10	is	be	AUX
iiclr-25065	44	11	the	the	DET
iiclr-25065	44	12	most	most	ADV
iiclr-25065	44	13	well	well	ADV
iiclr-25065	44	14	known	know	VERB
iiclr-25065	44	15	scheme.14	scheme.14	PROPN
iiclr-25065	44	16	in	in	ADP
iiclr-25065	44	17	a	a	DET
iiclr-25065	44	18	class	class	NOUN
iiclr-25065	44	19	action	action	NOUN
iiclr-25065	44	20	suit	suit	NOUN
iiclr-25065	44	21	,	,	PUNCT
iiclr-25065	44	22	a	a	DET
iiclr-25065	44	23	group	group	NOUN
iiclr-25065	44	24	of	of	ADP
iiclr-25065	44	25	individuals	individual	NOUN
iiclr-25065	44	26	who	who	PRON
iiclr-25065	44	27	have	have	AUX
iiclr-25065	44	28	suffered	suffer	VERB
iiclr-25065	44	29	the	the	DET
iiclr-25065	44	30	same	same	ADJ
iiclr-25065	44	31	or	or	CCONJ
iiclr-25065	44	32	similar	similar	ADJ
iiclr-25065	44	33	loss	loss	NOUN
iiclr-25065	44	34	or	or	CCONJ
iiclr-25065	44	35	harm	harm	NOUN
iiclr-25065	44	36	can	can	AUX
iiclr-25065	44	37	resolve	resolve	VERB
iiclr-25065	44	38	their	their	PRON
iiclr-25065	44	39	claims	claim	NOUN
iiclr-25065	44	40	(	(	PUNCT
iiclr-25065	44	41	with	with	ADP
iiclr-25065	44	42	the	the	DET
iiclr-25065	44	43	same	same	ADJ
iiclr-25065	44	44	or	or	CCONJ
iiclr-25065	44	45	similar	similar	ADJ
iiclr-25065	44	46	legal	legal	ADJ
iiclr-25065	44	47	or	or	CCONJ
iiclr-25065	44	48	factual	factual	ADJ
iiclr-25065	44	49	issues	issue	NOUN
iiclr-25065	44	50	)	)	PUNCT
iiclr-25065	44	51	against	against	ADP
iiclr-25065	44	52	a	a	DET
iiclr-25065	44	53	defendant	defendant	NOUN
iiclr-25065	44	54	in	in	ADP
iiclr-25065	44	55	a	a	DET
iiclr-25065	44	56	single	single	ADJ
iiclr-25065	44	57	litigation	litigation	NOUN
iiclr-25065	44	58	.	.	PUNCT
iiclr-25065	45	1	class	class	NOUN
iiclr-25065	45	2	action	action	NOUN
iiclr-25065	45	3	mechanisms	mechanism	NOUN
iiclr-25065	45	4	allow	allow	VERB
iiclr-25065	45	5	a	a	DET
iiclr-25065	45	6	day	day	NOUN
iiclr-25065	45	7	in	in	ADP
iiclr-25065	45	8	court	court	NOUN
iiclr-25065	45	9	for	for	ADP
iiclr-25065	45	10	low	low	ADJ
iiclr-25065	45	11	-	-	PUNCT
iiclr-25065	45	12	value	value	NOUN
iiclr-25065	45	13	individual	individual	ADJ
iiclr-25065	45	14	cases	case	NOUN
iiclr-25065	45	15	arising	arise	VERB
iiclr-25065	45	16	from	from	ADP
iiclr-25065	45	17	a	a	DET
iiclr-25065	45	18	broad	broad	ADV
iiclr-25065	45	19	-	-	PUNCT
iiclr-25065	45	20	based	base	VERB
iiclr-25065	45	21	consumer	consumer	NOUN
iiclr-25065	45	22	harm	harm	NOUN
iiclr-25065	45	23	,	,	PUNCT
iiclr-25065	45	24	which	which	PRON
iiclr-25065	45	25	would	would	AUX
iiclr-25065	45	26	otherwise	otherwise	ADV
iiclr-25065	45	27	not	not	PART
iiclr-25065	45	28	be	be	AUX
iiclr-25065	45	29	possible	possible	ADJ
iiclr-25065	45	30	.	.	PUNCT
iiclr-25065	46	1	many	many	ADJ
iiclr-25065	46	2	variations	variation	NOUN
iiclr-25065	46	3	of	of	ADP
iiclr-25065	46	4	class	class	NOUN
iiclr-25065	46	5	action	action	NOUN
iiclr-25065	46	6	mechanisms	mechanism	NOUN
iiclr-25065	46	7	exist	exist	VERB
iiclr-25065	46	8	.	.	PUNCT
iiclr-25065	47	1	the	the	DET
iiclr-25065	47	2	u.s.-style	u.s.-style	NOUN
iiclr-25065	47	3	of	of	ADP
iiclr-25065	47	4	these	these	PRON
iiclr-25065	47	5	is	be	AUX
iiclr-25065	47	6	the	the	DET
iiclr-25065	47	7	most	most	ADV
iiclr-25065	47	8	well	well	ADV
iiclr-25065	47	9	known	know	VERB
iiclr-25065	47	10	and	and	CCONJ
iiclr-25065	47	11	the	the	DET
iiclr-25065	47	12	most	most	ADV
iiclr-25065	47	13	widely	widely	ADV
iiclr-25065	47	14	used	use	VERB
iiclr-25065	47	15	.	.	PUNCT
iiclr-25065	48	1	15	15	NUM
iiclr-25065	48	2	recently	recently	ADV
iiclr-25065	48	3	,	,	PUNCT
iiclr-25065	48	4	however	however	ADV
iiclr-25065	48	5	,	,	PUNCT
iiclr-25065	48	6	jurisdictions	jurisdiction	NOUN
iiclr-25065	48	7	that	that	PRON
iiclr-25065	48	8	are	be	AUX
iiclr-25065	48	9	in	in	ADP
iiclr-25065	48	10	the	the	DET
iiclr-25065	48	11	process	process	NOUN
iiclr-25065	48	12	of	of	ADP
iiclr-25065	48	13	adopting	adopt	VERB
iiclr-25065	48	14	a	a	DET
iiclr-25065	48	15	class	class	NOUN
iiclr-25065	48	16	action	action	NOUN
iiclr-25065	48	17	system	system	NOUN
iiclr-25065	48	18	,	,	PUNCT
iiclr-25065	48	19	or	or	CCONJ
iiclr-25065	48	20	of	of	ADP
iiclr-25065	48	21	reforming	reform	VERB
iiclr-25065	48	22	their	their	PRON
iiclr-25065	48	23	existing	exist	VERB
iiclr-25065	48	24	system	system	NOUN
iiclr-25065	48	25	,	,	PUNCT
iiclr-25065	48	26	have	have	AUX
iiclr-25065	48	27	consciously	consciously	ADV
iiclr-25065	48	28	rejected	reject	VERB
iiclr-25065	48	29	the	the	DET
iiclr-25065	48	30	litigation	litigation	NOUN
iiclr-25065	48	31	-	-	PUNCT
iiclr-25065	48	32	friendly	friendly	ADJ
iiclr-25065	48	33	culture	culture	NOUN
iiclr-25065	48	34	of	of	ADP
iiclr-25065	48	35	the	the	DET
iiclr-25065	48	36	u.s	u.s	PROPN
iiclr-25065	48	37	.	.	PROPN
iiclr-25065	48	38	,	,	PUNCT
iiclr-25065	48	39	and	and	CCONJ
iiclr-25065	48	40	are	be	AUX
iiclr-25065	48	41	instead	instead	ADV
iiclr-25065	48	42	devising	devise	VERB
iiclr-25065	48	43	mechanisms	mechanism	NOUN
iiclr-25065	48	44	that	that	PRON
iiclr-25065	48	45	suit	suit	VERB
iiclr-25065	48	46	their	their	PRON
iiclr-25065	48	47	own	own	ADJ
iiclr-25065	48	48	jurisdictions.16	jurisdictions.16	NOUN
iiclr-25065	48	49	for	for	ADP
iiclr-25065	48	50	example	example	NOUN
iiclr-25065	48	51	,	,	PUNCT
iiclr-25065	48	52	when	when	SCONJ
iiclr-25065	48	53	considering	consider	VERB
iiclr-25065	48	54	the	the	DET
iiclr-25065	48	55	collective	collective	ADJ
iiclr-25065	48	56	redress	redress	NOUN
iiclr-25065	48	57	system	system	NOUN
iiclr-25065	48	58	for	for	ADP
iiclr-25065	48	59	the	the	DET
iiclr-25065	48	60	eu	eu	PROPN
iiclr-25065	48	61	,	,	PUNCT
iiclr-25065	48	62	the	the	DET
iiclr-25065	48	63	eu	eu	PROPN
iiclr-25065	48	64	commission	commission	PROPN
iiclr-25065	48	65	’s	’s	PART
iiclr-25065	48	66	2018	2018	NUM
iiclr-25065	48	67	proposal	proposal	NOUN
iiclr-25065	48	68	on	on	ADP
iiclr-25065	48	69	collective	collective	ADJ
iiclr-25065	48	70	redress	redress	NOUN
iiclr-25065	48	71	sets	set	VERB
iiclr-25065	48	72	higher	high	ADJ
iiclr-25065	48	73	barriers	barrier	NOUN
iiclr-25065	48	74	to	to	ADP
iiclr-25065	48	75	litigation	litigation	NOUN
iiclr-25065	48	76	that	that	PRON
iiclr-25065	48	77	typically	typically	ADV
iiclr-25065	48	78	apply	apply	VERB
iiclr-25065	48	79	to	to	ADP
iiclr-25065	48	80	the	the	DET
iiclr-25065	48	81	u.s.17	u.s.17	PROPN
iiclr-25065	48	82	south	south	PROPN
iiclr-25065	48	83	korea	korea	PROPN
iiclr-25065	48	84	,	,	PUNCT
iiclr-25065	48	85	which	which	PRON
iiclr-25065	48	86	is	be	AUX
iiclr-25065	48	87	currently	currently	ADV
iiclr-25065	48	88	contemplating	contemplate	VERB
iiclr-25065	48	89	class	class	NOUN
iiclr-25065	48	90	action	action	NOUN
iiclr-25065	48	91	reform,18	reform,18	NOUN
iiclr-25065	48	92	has	have	VERB
iiclr-25065	48	93	a	a	DET
iiclr-25065	48	94	more	more	ADV
iiclr-25065	48	95	limited	limited	ADJ
iiclr-25065	48	96	collective	collective	ADJ
iiclr-25065	48	97	11	11	NUM
iiclr-25065	48	98	.	.	PUNCT
iiclr-25065	49	1	i	i	PRON
iiclr-25065	49	2	d.	d.	PROPN
iiclr-25065	49	3	at	at	ADP
iiclr-25065	49	4	6	6	NUM
iiclr-25065	49	5	(	(	PUNCT
iiclr-25065	49	6	“	"	PUNCT
iiclr-25065	49	7	available	available	ADJ
iiclr-25065	49	8	to	to	ADP
iiclr-25065	49	9	all	all	DET
iiclr-25065	49	10	unctad	unctad	NOUN
iiclr-25065	49	11	member	member	NOUN
iiclr-25065	49	12	states	state	NOUN
iiclr-25065	49	13	”	"	PUNCT
iiclr-25065	49	14	which	which	PRON
iiclr-25065	49	15	consists	consist	VERB
iiclr-25065	49	16	of	of	ADP
iiclr-25065	49	17	195	195	NUM
iiclr-25065	49	18	nations	nation	NOUN
iiclr-25065	49	19	across	across	ADP
iiclr-25065	49	20	the	the	DET
iiclr-25065	49	21	world	world	NOUN
iiclr-25065	49	22	)	)	PUNCT
iiclr-25065	49	23	.	.	PUNCT
iiclr-25065	50	1	see	see	VERB
iiclr-25065	50	2	membership	membership	NOUN
iiclr-25065	50	3	of	of	ADP
iiclr-25065	50	4	unctad	unctad	NOUN
iiclr-25065	50	5	and	and	CCONJ
iiclr-25065	50	6	of	of	ADP
iiclr-25065	50	7	the	the	DET
iiclr-25065	50	8	trade	trade	NOUN
iiclr-25065	50	9	and	and	CCONJ
iiclr-25065	50	10	development	development	PROPN
iiclr-25065	50	11	board	board	PROPN
iiclr-25065	50	12	,	,	PUNCT
iiclr-25065	50	13	unctad	unctad	PROPN
iiclr-25065	50	14	,	,	PUNCT
iiclr-25065	50	15	https://unctad.org/en/pages/about%20unctad/unctads-membership.aspx	https://unctad.org/en/pages/about%20unctad/unctads-membership.aspx	NOUN
iiclr-25065	50	16	[	[	X
iiclr-25065	50	17	https://perma.cc/u2n8-jxc3	https://perma.cc/u2n8-jxc3	X
iiclr-25065	50	18	]	]	X
iiclr-25065	50	19	(	(	PUNCT
iiclr-25065	50	20	archived	archive	VERB
iiclr-25065	50	21	aug	aug	PROPN
iiclr-25065	50	22	.	.	PROPN
iiclr-25065	50	23	18	18	NUM
iiclr-25065	50	24	,	,	PUNCT
iiclr-25065	50	25	2019	2019	NUM
iiclr-25065	50	26	)	)	PUNCT
iiclr-25065	50	27	.	.	PUNCT
iiclr-25065	51	1	12	12	NUM
iiclr-25065	51	2	.	.	PUNCT
iiclr-25065	51	3	unctad	unctad	PROPN
iiclr-25065	51	4	(	(	PUNCT
iiclr-25065	51	5	2018	2018	NUM
iiclr-25065	51	6	)	)	PUNCT
iiclr-25065	51	7	,	,	PUNCT
iiclr-25065	51	8	supra	supra	PROPN
iiclr-25065	51	9	note	note	NOUN
iiclr-25065	51	10	10	10	NUM
iiclr-25065	51	11	,	,	PUNCT
iiclr-25065	51	12	at	at	ADP
iiclr-25065	51	13	6	6	NUM
iiclr-25065	51	14	.	.	NOUN
iiclr-25065	51	15	13	13	NUM
iiclr-25065	51	16	.	.	PUNCT
iiclr-25065	52	1	see	see	VERB
iiclr-25065	52	2	christopher	christopher	PROPN
iiclr-25065	52	3	hodges	hodges	PROPN
iiclr-25065	52	4	,	,	PUNCT
iiclr-25065	52	5	current	current	ADJ
iiclr-25065	52	6	discussions	discussion	NOUN
iiclr-25065	52	7	on	on	ADP
iiclr-25065	52	8	consumer	consumer	NOUN
iiclr-25065	52	9	redress	redress	NOUN
iiclr-25065	52	10	:	:	PUNCT
iiclr-25065	52	11	collective	collective	ADJ
iiclr-25065	52	12	redress	redress	NOUN
iiclr-25065	52	13	and	and	CCONJ
iiclr-25065	52	14	adr	adr	PROPN
iiclr-25065	52	15	,	,	PUNCT
iiclr-25065	52	16	13	13	NUM
iiclr-25065	52	17	era	era	NOUN
iiclr-25065	52	18	forum	forum	NOUN
iiclr-25065	52	19	11	11	NUM
iiclr-25065	52	20	,	,	PUNCT
iiclr-25065	52	21	16	16	NUM
iiclr-25065	52	22	(	(	PUNCT
iiclr-25065	52	23	2012	2012	NUM
iiclr-25065	52	24	)	)	PUNCT
iiclr-25065	52	25	.	.	PUNCT
iiclr-25065	53	1	;	;	PUNCT
iiclr-25065	53	2	unctad	unctad	PROPN
iiclr-25065	53	3	(	(	PUNCT
iiclr-25065	53	4	2018	2018	NUM
iiclr-25065	53	5	)	)	PUNCT
iiclr-25065	53	6	,	,	PUNCT
iiclr-25065	53	7	supra	supra	PROPN
iiclr-25065	53	8	note	note	NOUN
iiclr-25065	53	9	10	10	NUM
iiclr-25065	53	10	,	,	PUNCT
iiclr-25065	53	11	at	at	ADP
iiclr-25065	53	12	6	6	NUM
iiclr-25065	53	13	.	.	NOUN
iiclr-25065	53	14	14	14	NUM
iiclr-25065	53	15	.	.	PUNCT
iiclr-25065	54	1	see	see	VERB
iiclr-25065	54	2	hodges	hodge	NOUN
iiclr-25065	54	3	,	,	PUNCT
iiclr-25065	54	4	supra	supra	PROPN
iiclr-25065	54	5	note	note	PROPN
iiclr-25065	54	6	13	13	NUM
iiclr-25065	54	7	;	;	PUNCT
iiclr-25065	54	8	unctad	unctad	PROPN
iiclr-25065	54	9	(	(	PUNCT
iiclr-25065	54	10	2018	2018	NUM
iiclr-25065	54	11	)	)	PUNCT
iiclr-25065	54	12	,	,	PUNCT
iiclr-25065	54	13	supra	supra	PROPN
iiclr-25065	54	14	note	note	NOUN
iiclr-25065	54	15	10	10	NUM
iiclr-25065	54	16	,	,	PUNCT
iiclr-25065	54	17	at	at	ADP
iiclr-25065	54	18	6	6	NUM
iiclr-25065	54	19	.	.	NOUN
iiclr-25065	54	20	15	15	NUM
iiclr-25065	54	21	.	.	PUNCT
iiclr-25065	55	1	see	see	VERB
iiclr-25065	55	2	hodges	hodge	NOUN
iiclr-25065	55	3	,	,	PUNCT
iiclr-25065	55	4	supra	supra	PROPN
iiclr-25065	55	5	note	note	NOUN
iiclr-25065	55	6	13	13	NUM
iiclr-25065	55	7	,	,	PUNCT
iiclr-25065	55	8	at	at	ADP
iiclr-25065	55	9	11	11	NUM
iiclr-25065	55	10	.	.	PUNCT
iiclr-25065	56	1	16	16	NUM
iiclr-25065	56	2	.	.	PUNCT
iiclr-25065	57	1	see	see	VERB
iiclr-25065	57	2	,	,	PUNCT
iiclr-25065	57	3	e.g.	e.g.	ADV
iiclr-25065	57	4	,	,	PUNCT
iiclr-25065	57	5	,	,	PUNCT
iiclr-25065	57	6	japan	japan	PROPN
iiclr-25065	57	7	,	,	PUNCT
iiclr-25065	57	8	korea	korea	PROPN
iiclr-25065	57	9	,	,	PUNCT
iiclr-25065	57	10	and	and	CCONJ
iiclr-25065	57	11	the	the	DET
iiclr-25065	57	12	eu	eu	PROPN
iiclr-25065	57	13	.	.	PROPN
iiclr-25065	57	14	17	17	NUM
iiclr-25065	57	15	.	.	PUNCT
iiclr-25065	58	1	a	a	DET
iiclr-25065	58	2	new	new	ADJ
iiclr-25065	58	3	deal	deal	NOUN
iiclr-25065	58	4	for	for	ADP
iiclr-25065	58	5	consumers	consumer	NOUN
iiclr-25065	58	6	:	:	PUNCT
iiclr-25065	58	7	commission	commission	NOUN
iiclr-25065	58	8	strengthens	strengthen	VERB
iiclr-25065	58	9	eu	eu	PROPN
iiclr-25065	58	10	consumer	consumer	NOUN
iiclr-25065	58	11	rights	right	NOUN
iiclr-25065	58	12	and	and	CCONJ
iiclr-25065	58	13	enforcement	enforcement	NOUN
iiclr-25065	58	14	,	,	PUNCT
iiclr-25065	58	15	european	european	PROPN
iiclr-25065	58	16	commission	commission	PROPN
iiclr-25065	58	17	,	,	PUNCT
iiclr-25065	58	18	https://europa.eu/rapid/press-release_ip-18-3041_en.htm	https://europa.eu/rapid/press-release_ip-18-3041_en.htm	X
iiclr-25065	59	1	[	[	X
iiclr-25065	59	2	https://perma.cc/mzj9-4lcw	https://perma.cc/mzj9-4lcw	X
iiclr-25065	59	3	]	]	X
iiclr-25065	59	4	(	(	PUNCT
iiclr-25065	59	5	archived	archive	VERB
iiclr-25065	59	6	oct	oct	PROPN
iiclr-25065	59	7	.	.	PROPN
iiclr-25065	59	8	23	23	NUM
iiclr-25065	59	9	,	,	PUNCT
iiclr-25065	59	10	2019	2019	NUM
iiclr-25065	59	11	)	)	PUNCT
iiclr-25065	59	12	.	.	PUNCT
iiclr-25065	60	1	the	the	DET
iiclr-25065	60	2	press	press	NOUN
iiclr-25065	60	3	release	release	NOUN
iiclr-25065	60	4	states	state	VERB
iiclr-25065	60	5	that	that	SCONJ
iiclr-25065	60	6	the	the	DET
iiclr-25065	60	7	eu	eu	PROPN
iiclr-25065	60	8	model	model	NOUN
iiclr-25065	60	9	will	will	AUX
iiclr-25065	60	10	have	have	VERB
iiclr-25065	60	11	“	"	PUNCT
iiclr-25065	60	12	strong	strong	ADJ
iiclr-25065	60	13	safeguards	safeguard	NOUN
iiclr-25065	60	14	and	and	CCONJ
iiclr-25065	60	15	is	be	AUX
iiclr-25065	60	16	distinctly	distinctly	ADV
iiclr-25065	60	17	different	different	ADJ
iiclr-25065	60	18	from	from	ADP
iiclr-25065	60	19	us	us	PROPN
iiclr-25065	60	20	-	-	PUNCT
iiclr-25065	60	21	style	style	NOUN
iiclr-25065	60	22	class	class	NOUN
iiclr-25065	60	23	actions	action	NOUN
iiclr-25065	60	24	.	.	PUNCT
iiclr-25065	60	25	”	"	PUNCT
iiclr-25065	61	1	specifically	specifically	ADV
iiclr-25065	61	2	,	,	PUNCT
iiclr-25065	61	3	the	the	DET
iiclr-25065	61	4	representative	representative	ADJ
iiclr-25065	61	5	action	action	NOUN
iiclr-25065	61	6	allowed	allow	VERB
iiclr-25065	61	7	under	under	ADP
iiclr-25065	61	8	the	the	DET
iiclr-25065	61	9	new	new	ADJ
iiclr-25065	61	10	eu	eu	PROPN
iiclr-25065	61	11	system	system	NOUN
iiclr-25065	61	12	will	will	AUX
iiclr-25065	61	13	be	be	AUX
iiclr-25065	61	14	open	open	ADJ
iiclr-25065	61	15	only	only	ADV
iiclr-25065	61	16	to	to	ADP
iiclr-25065	61	17	eligible	eligible	ADJ
iiclr-25065	61	18	non	non	ADJ
iiclr-25065	61	19	-	-	ADJ
iiclr-25065	61	20	profit	profit	ADJ
iiclr-25065	61	21	entities	entity	NOUN
iiclr-25065	61	22	like	like	ADP
iiclr-25065	61	23	consumer	consumer	NOUN
iiclr-25065	61	24	organisations	organisation	NOUN
iiclr-25065	61	25	,	,	PUNCT
iiclr-25065	61	26	to	to	PART
iiclr-25065	61	27	avoid	avoid	VERB
iiclr-25065	61	28	“	"	PUNCT
iiclr-25065	61	29	the	the	DET
iiclr-25065	61	30	risk	risk	NOUN
iiclr-25065	61	31	of	of	ADP
iiclr-25065	61	32	abusive	abusive	ADJ
iiclr-25065	61	33	or	or	CCONJ
iiclr-25065	61	34	unmerited	unmerited	ADJ
iiclr-25065	61	35	litigation	litigation	NOUN
iiclr-25065	61	36	”	"	PUNCT
iiclr-25065	61	37	.	.	PUNCT
iiclr-25065	62	1	18	18	NUM
iiclr-25065	62	2	.	.	X
iiclr-25065	62	3	south	south	PROPN
iiclr-25065	62	4	korea	korea	PROPN
iiclr-25065	62	5	,	,	PUNCT
iiclr-25065	62	6	u.s	u.s	PROPN
iiclr-25065	62	7	.	.	PROPN
iiclr-25065	62	8	,	,	PUNCT
iiclr-25065	62	9	chamber	chamber	PROPN
iiclr-25065	62	10	institute	institute	NOUN
iiclr-25065	62	11	for	for	ADP
iiclr-25065	62	12	legal	legal	ADJ
iiclr-25065	62	13	reform	reform	NOUN
iiclr-25065	62	14	,	,	PUNCT
iiclr-25065	62	15	https://www	https://www	PROPN
iiclr-25065	62	16	.	.	PUNCT
iiclr-25065	62	17	https://unctad.org/en/pages/about%20unctad/unctads-membership.aspx	https://unctad.org/en/pages/about%20unctad/unctads-membership.aspx	X
iiclr-25065	63	1	https://europa.eu/rapid/press-release_ip-18-3041_en.htm	https://europa.eu/rapid/press-release_ip-18-3041_en.htm	PROPN
iiclr-25065	63	2	https://perma.cc/mzj9-4lcw	https://perma.cc/mzj9-4lcw	PROPN
iiclr-25065	63	3	indiana	indiana	PROPN
iiclr-25065	63	4	int’l	int’l	PROPN
iiclr-25065	63	5	&	&	CCONJ
iiclr-25065	63	6	comp	comp	PROPN
iiclr-25065	63	7	.	.	PUNCT
iiclr-25065	64	1	law	law	NOUN
iiclr-25065	64	2	review	review	NOUN
iiclr-25065	65	1	[	[	X
iiclr-25065	65	2	vol	vol	NOUN
iiclr-25065	65	3	.	.	NOUN
iiclr-25065	65	4	30:99	30:99	NUM
iiclr-25065	65	5	102	102	NUM
iiclr-25065	65	6	redress	redress	NOUN
iiclr-25065	65	7	system.19	system.19	NOUN
iiclr-25065	65	8	regardless	regardless	ADV
iiclr-25065	65	9	of	of	ADP
iiclr-25065	65	10	the	the	DET
iiclr-25065	65	11	specific	specific	ADJ
iiclr-25065	65	12	form	form	NOUN
iiclr-25065	65	13	(	(	PUNCT
iiclr-25065	65	14	u.s.-style	u.s.-style	NOUN
iiclr-25065	65	15	or	or	CCONJ
iiclr-25065	65	16	eu	eu	ADJ
iiclr-25065	65	17	-	-	ADJ
iiclr-25065	65	18	recommended	recommended	ADJ
iiclr-25065	65	19	style	style	NOUN
iiclr-25065	65	20	)	)	PUNCT
iiclr-25065	65	21	,	,	PUNCT
iiclr-25065	65	22	court	court	NOUN
iiclr-25065	65	23	-	-	PUNCT
iiclr-25065	65	24	led	lead	VERB
iiclr-25065	65	25	consumer	consumer	NOUN
iiclr-25065	65	26	redress	redress	NOUN
iiclr-25065	65	27	has	have	AUX
iiclr-25065	65	28	proven	prove	VERB
iiclr-25065	65	29	to	to	PART
iiclr-25065	65	30	be	be	AUX
iiclr-25065	65	31	expensive	expensive	ADJ
iiclr-25065	65	32	,	,	PUNCT
iiclr-25065	65	33	inefficient	inefficient	ADJ
iiclr-25065	65	34	,	,	PUNCT
iiclr-25065	65	35	and	and	CCONJ
iiclr-25065	65	36	ineffective	ineffective	ADJ
iiclr-25065	65	37	as	as	ADP
iiclr-25065	65	38	a	a	DET
iiclr-25065	65	39	remedy	remedy	NOUN
iiclr-25065	65	40	for	for	ADP
iiclr-25065	65	41	mass	mass	NOUN
iiclr-25065	65	42	harm.20	harm.20	NUM
iiclr-25065	65	43	court	court	NOUN
iiclr-25065	65	44	proceedings	proceeding	NOUN
iiclr-25065	65	45	(	(	PUNCT
iiclr-25065	65	46	whether	whether	SCONJ
iiclr-25065	65	47	collective	collective	ADJ
iiclr-25065	65	48	or	or	CCONJ
iiclr-25065	65	49	not	not	PART
iiclr-25065	65	50	)	)	PUNCT
iiclr-25065	65	51	,	,	PUNCT
iiclr-25065	65	52	present	present	ADJ
iiclr-25065	65	53	challenges	challenge	NOUN
iiclr-25065	65	54	for	for	ADP
iiclr-25065	65	55	consumers	consumer	NOUN
iiclr-25065	65	56	,	,	PUNCT
iiclr-25065	65	57	including	include	VERB
iiclr-25065	65	58	the	the	DET
iiclr-25065	65	59	lengthy	lengthy	ADJ
iiclr-25065	65	60	duration	duration	NOUN
iiclr-25065	65	61	of	of	ADP
iiclr-25065	65	62	the	the	DET
iiclr-25065	65	63	procedures	procedure	NOUN
iiclr-25065	65	64	,	,	PUNCT
iiclr-25065	65	65	the	the	DET
iiclr-25065	65	66	associated	associated	ADJ
iiclr-25065	65	67	high	high	ADJ
iiclr-25065	65	68	costs	cost	NOUN
iiclr-25065	65	69	(	(	PUNCT
iiclr-25065	65	70	especially	especially	ADV
iiclr-25065	65	71	if	if	SCONJ
iiclr-25065	65	72	the	the	DET
iiclr-25065	65	73	action	action	NOUN
iiclr-25065	65	74	fails	fail	VERB
iiclr-25065	65	75	)	)	PUNCT
iiclr-25065	65	76	,	,	PUNCT
iiclr-25065	65	77	and	and	CCONJ
iiclr-25065	65	78	the	the	DET
iiclr-25065	65	79	complexity	complexity	NOUN
iiclr-25065	65	80	of	of	ADP
iiclr-25065	65	81	laws	law	NOUN
iiclr-25065	65	82	and	and	CCONJ
iiclr-25065	65	83	procedures	procedure	NOUN
iiclr-25065	65	84	.	.	PUNCT
iiclr-25065	66	1	21	21	NUM
iiclr-25065	67	1	some	some	DET
iiclr-25065	67	2	commentators	commentator	NOUN
iiclr-25065	67	3	even	even	ADV
iiclr-25065	67	4	argue	argue	VERB
iiclr-25065	67	5	that	that	SCONJ
iiclr-25065	67	6	litigation	litigation	NOUN
iiclr-25065	67	7	-	-	PUNCT
iiclr-25065	67	8	based	base	VERB
iiclr-25065	67	9	actions	action	NOUN
iiclr-25065	67	10	are	be	AUX
iiclr-25065	67	11	“	"	PUNCT
iiclr-25065	67	12	old	old	ADJ
iiclr-25065	67	13	technologies	technology	NOUN
iiclr-25065	67	14	”	"	PUNCT
iiclr-25065	67	15	compared	compare	VERB
iiclr-25065	67	16	to	to	ADP
iiclr-25065	67	17	some	some	PRON
iiclr-25065	67	18	of	of	ADP
iiclr-25065	67	19	the	the	DET
iiclr-25065	67	20	newer	new	ADJ
iiclr-25065	67	21	options	option	NOUN
iiclr-25065	67	22	that	that	PRON
iiclr-25065	67	23	this	this	DET
iiclr-25065	67	24	paper	paper	NOUN
iiclr-25065	67	25	discusses	discuss	VERB
iiclr-25065	67	26	below.22	below.22	NOUN
iiclr-25065	67	27	policymakers	policymaker	NOUN
iiclr-25065	67	28	have	have	AUX
iiclr-25065	67	29	developed	develop	VERB
iiclr-25065	67	30	alternative	alternative	ADJ
iiclr-25065	67	31	dispute	dispute	NOUN
iiclr-25065	67	32	resolution	resolution	NOUN
iiclr-25065	67	33	(	(	PUNCT
iiclr-25065	67	34	adr	adr	PROPN
iiclr-25065	67	35	)	)	PUNCT
iiclr-25065	67	36	methods	method	NOUN
iiclr-25065	67	37	as	as	ADP
iiclr-25065	67	38	alternatives	alternative	NOUN
iiclr-25065	67	39	to	to	ADP
iiclr-25065	67	40	costly	costly	ADJ
iiclr-25065	67	41	litigation	litigation	NOUN
iiclr-25065	67	42	.	.	PUNCT
iiclr-25065	68	1	adr	adr	PROPN
iiclr-25065	68	2	is	be	AUX
iiclr-25065	68	3	a	a	DET
iiclr-25065	68	4	way	way	NOUN
iiclr-25065	68	5	of	of	ADP
iiclr-25065	68	6	settling	settle	VERB
iiclr-25065	68	7	a	a	DET
iiclr-25065	68	8	complaint	complaint	NOUN
iiclr-25065	68	9	out	out	ADP
iiclr-25065	68	10	of	of	ADP
iiclr-25065	68	11	court	court	NOUN
iiclr-25065	68	12	with	with	ADP
iiclr-25065	68	13	the	the	DET
iiclr-25065	68	14	assistance	assistance	NOUN
iiclr-25065	68	15	of	of	ADP
iiclr-25065	68	16	impartial	impartial	ADJ
iiclr-25065	68	17	dispute	dispute	NOUN
iiclr-25065	68	18	resolution	resolution	NOUN
iiclr-25065	68	19	bodies	body	NOUN
iiclr-25065	68	20	such	such	ADJ
iiclr-25065	68	21	as	as	ADP
iiclr-25065	68	22	conciliators	conciliator	NOUN
iiclr-25065	68	23	,	,	PUNCT
iiclr-25065	68	24	mediators	mediator	NOUN
iiclr-25065	68	25	,	,	PUNCT
iiclr-25065	68	26	arbitrators	arbitrator	NOUN
iiclr-25065	68	27	,	,	PUNCT
iiclr-25065	68	28	ombudsmen	ombudsman	NOUN
iiclr-25065	68	29	,	,	PUNCT
iiclr-25065	68	30	and	and	CCONJ
iiclr-25065	68	31	complaint	complaint	NOUN
iiclr-25065	68	32	boards	board	NOUN
iiclr-25065	68	33	.	.	PUNCT
iiclr-25065	69	1	adr	adr	PROPN
iiclr-25065	69	2	is	be	AUX
iiclr-25065	69	3	an	an	DET
iiclr-25065	69	4	attractive	attractive	ADJ
iiclr-25065	69	5	option	option	NOUN
iiclr-25065	69	6	for	for	ADP
iiclr-25065	69	7	consumer	consumer	NOUN
iiclr-25065	69	8	disputes	dispute	NOUN
iiclr-25065	69	9	because	because	SCONJ
iiclr-25065	69	10	it	it	PRON
iiclr-25065	69	11	is	be	AUX
iiclr-25065	69	12	easier	easy	ADJ
iiclr-25065	69	13	,	,	PUNCT
iiclr-25065	69	14	faster	fast	ADV
iiclr-25065	69	15	,	,	PUNCT
iiclr-25065	69	16	and	and	CCONJ
iiclr-25065	69	17	less	less	ADV
iiclr-25065	69	18	expensive	expensive	ADJ
iiclr-25065	69	19	than	than	ADP
iiclr-25065	69	20	going	go	VERB
iiclr-25065	69	21	to	to	ADP
iiclr-25065	69	22	court	court	NOUN
iiclr-25065	69	23	.	.	PUNCT
iiclr-25065	70	1	this	this	DET
iiclr-25065	70	2	option	option	NOUN
iiclr-25065	70	3	first	first	ADV
iiclr-25065	70	4	appeared	appear	VERB
iiclr-25065	70	5	in	in	ADP
iiclr-25065	70	6	the	the	DET
iiclr-25065	70	7	u.s	u.s	PROPN
iiclr-25065	70	8	.	.	PROPN
iiclr-25065	70	9	,	,	PUNCT
iiclr-25065	70	10	then	then	ADV
iiclr-25065	70	11	spread	spread	VERB
iiclr-25065	70	12	to	to	ADP
iiclr-25065	70	13	other	other	ADJ
iiclr-25065	70	14	countries	country	NOUN
iiclr-25065	70	15	,	,	PUNCT
iiclr-25065	70	16	including	include	VERB
iiclr-25065	70	17	canada	canada	PROPN
iiclr-25065	70	18	,	,	PUNCT
iiclr-25065	70	19	australia	australia	PROPN
iiclr-25065	70	20	,	,	PUNCT
iiclr-25065	70	21	south	south	PROPN
iiclr-25065	70	22	korea	korea	PROPN
iiclr-25065	70	23	,	,	PUNCT
iiclr-25065	70	24	and	and	CCONJ
iiclr-25065	70	25	several	several	ADJ
iiclr-25065	70	26	in	in	ADP
iiclr-25065	70	27	europe	europe	PROPN
iiclr-25065	70	28	.	.	PUNCT
iiclr-25065	71	1	the	the	DET
iiclr-25065	71	2	eu	eu	PROPN
iiclr-25065	71	3	directive	directive	NOUN
iiclr-25065	71	4	on	on	ADP
iiclr-25065	71	5	consumer	consumer	NOUN
iiclr-25065	71	6	adr	adr	PROPN
iiclr-25065	71	7	sets	set	VERB
iiclr-25065	71	8	forth	forth	ADP
iiclr-25065	71	9	the	the	DET
iiclr-25065	71	10	quality	quality	NOUN
iiclr-25065	71	11	criteria	criterion	NOUN
iiclr-25065	71	12	that	that	SCONJ
iiclr-25065	71	13	it	it	PRON
iiclr-25065	71	14	requires	require	VERB
iiclr-25065	71	15	adr	adr	PROPN
iiclr-25065	71	16	bodies	body	NOUN
iiclr-25065	71	17	to	to	PART
iiclr-25065	71	18	meet	meet	VERB
iiclr-25065	71	19	to	to	PART
iiclr-25065	71	20	ensure	ensure	VERB
iiclr-25065	71	21	that	that	SCONJ
iiclr-25065	71	22	they	they	PRON
iiclr-25065	71	23	resolve	resolve	VERB
iiclr-25065	71	24	disputes	dispute	NOUN
iiclr-25065	71	25	in	in	ADP
iiclr-25065	71	26	an	an	DET
iiclr-25065	71	27	effective	effective	ADJ
iiclr-25065	71	28	,	,	PUNCT
iiclr-25065	71	29	fair	fair	ADJ
iiclr-25065	71	30	,	,	PUNCT
iiclr-25065	71	31	independent	independent	ADJ
iiclr-25065	71	32	,	,	PUNCT
iiclr-25065	71	33	and	and	CCONJ
iiclr-25065	71	34	transparent	transparent	ADJ
iiclr-25065	71	35	manner.23	manner.23	NOUN
iiclr-25065	71	36	another	another	DET
iiclr-25065	71	37	new	new	ADJ
iiclr-25065	71	38	form	form	NOUN
iiclr-25065	71	39	of	of	ADP
iiclr-25065	71	40	redress	redress	NOUN
iiclr-25065	71	41	is	be	AUX
iiclr-25065	71	42	online	online	ADJ
iiclr-25065	71	43	dispute	dispute	NOUN
iiclr-25065	71	44	resolution	resolution	NOUN
iiclr-25065	71	45	(	(	PUNCT
iiclr-25065	71	46	odr	odr	ADV
iiclr-25065	71	47	)	)	PUNCT
iiclr-25065	71	48	.	.	PUNCT
iiclr-25065	72	1	the	the	DET
iiclr-25065	72	2	digital	digital	ADJ
iiclr-25065	72	3	dimension	dimension	NOUN
iiclr-25065	72	4	of	of	ADP
iiclr-25065	72	5	the	the	DET
iiclr-25065	72	6	market	market	NOUN
iiclr-25065	72	7	has	have	AUX
iiclr-25065	72	8	grown	grow	VERB
iiclr-25065	72	9	in	in	ADP
iiclr-25065	72	10	importance	importance	NOUN
iiclr-25065	72	11	as	as	SCONJ
iiclr-25065	72	12	consumers	consumer	NOUN
iiclr-25065	72	13	purchase	purchase	VERB
iiclr-25065	72	14	and	and	CCONJ
iiclr-25065	72	15	transact	transact	VERB
iiclr-25065	72	16	more	more	ADV
iiclr-25065	72	17	online	online	ADV
iiclr-25065	72	18	.	.	PUNCT
iiclr-25065	73	1	odr	odr	PROPN
iiclr-25065	73	2	consists	consist	VERB
iiclr-25065	73	3	of	of	ADP
iiclr-25065	73	4	mechanisms	mechanism	NOUN
iiclr-25065	73	5	for	for	ADP
iiclr-25065	73	6	resolving	resolve	VERB
iiclr-25065	73	7	disputes	dispute	NOUN
iiclr-25065	73	8	by	by	ADP
iiclr-25065	73	9	instituteforlegalreform.com/global/south-korea	instituteforlegalreform.com/global/south-korea	PROPN
iiclr-25065	73	10	[	[	X
iiclr-25065	73	11	https://perma.cc/5enm-e9ue	https://perma.cc/5enm-e9ue	X
iiclr-25065	73	12	]	]	X
iiclr-25065	73	13	(	(	PUNCT
iiclr-25065	73	14	archived	archive	VERB
iiclr-25065	73	15	oct	oct	PROPN
iiclr-25065	73	16	.	.	PROPN
iiclr-25065	73	17	23	23	NUM
iiclr-25065	73	18	,	,	PUNCT
iiclr-25065	73	19	2019	2019	NUM
iiclr-25065	73	20	)	)	PUNCT
iiclr-25065	73	21	.	.	PUNCT
iiclr-25065	74	1	19	19	NUM
iiclr-25065	74	2	.	.	PUNCT
iiclr-25065	74	3	class	class	NOUN
iiclr-25065	74	4	action	action	NOUN
iiclr-25065	74	5	for	for	ADP
iiclr-25065	74	6	general	general	ADJ
iiclr-25065	74	7	claims	claim	NOUN
iiclr-25065	74	8	are	be	AUX
iiclr-25065	74	9	not	not	PART
iiclr-25065	74	10	available	available	ADJ
iiclr-25065	74	11	in	in	ADP
iiclr-25065	74	12	korea	korea	PROPN
iiclr-25065	74	13	.	.	PUNCT
iiclr-25065	75	1	only	only	ADV
iiclr-25065	75	2	securities	security	NOUN
iiclr-25065	75	3	-	-	PUNCT
iiclr-25065	75	4	related	relate	VERB
iiclr-25065	75	5	damages	damage	NOUN
iiclr-25065	75	6	are	be	AUX
iiclr-25065	75	7	recoverable	recoverable	ADJ
iiclr-25065	75	8	by	by	ADP
iiclr-25065	75	9	class	class	NOUN
iiclr-25065	75	10	actions	action	NOUN
iiclr-25065	75	11	under	under	ADP
iiclr-25065	75	12	the	the	DET
iiclr-25065	75	13	securities	security	NOUN
iiclr-25065	75	14	-	-	PUNCT
iiclr-25065	75	15	related	relate	VERB
iiclr-25065	75	16	class	class	NOUN
iiclr-25065	75	17	action	action	NOUN
iiclr-25065	75	18	act	act	NOUN
iiclr-25065	75	19	.	.	PUNCT
iiclr-25065	76	1	for	for	ADP
iiclr-25065	76	2	a	a	DET
iiclr-25065	76	3	general	general	ADJ
iiclr-25065	76	4	overview	overview	NOUN
iiclr-25065	76	5	of	of	ADP
iiclr-25065	76	6	class	class	NOUN
iiclr-25065	76	7	action	action	NOUN
iiclr-25065	76	8	in	in	ADP
iiclr-25065	76	9	korea	korea	PROPN
iiclr-25065	76	10	see	see	VERB
iiclr-25065	76	11	class	class	NOUN
iiclr-25065	76	12	/	/	SYM
iiclr-25065	76	13	collective	collective	ADJ
iiclr-25065	76	14	actions	action	NOUN
iiclr-25065	76	15	in	in	ADP
iiclr-25065	76	16	south	south	PROPN
iiclr-25065	76	17	korea	korea	PROPN
iiclr-25065	76	18	:	:	PUNCT
iiclr-25065	76	19	overview	overview	NOUN
iiclr-25065	76	20	,	,	PUNCT
iiclr-25065	76	21	kim	kim	PROPN
iiclr-25065	76	22	&	&	CCONJ
iiclr-25065	76	23	chang	chang	PROPN
iiclr-25065	76	24	,	,	PUNCT
iiclr-25065	76	25	https://uk.practicallaw.thomsonreuters.com/5-617-3110?transitiontype=	https://uk.practicallaw.thomsonreuters.com/5-617-3110?transitiontype=	PUNCT
iiclr-25065	76	26	default&contextdata=(sc.default)&firstpage	default&contextdata=(sc.default)&firstpage	PROPN
iiclr-25065	76	27	=	=	SYM
iiclr-25065	76	28	true&bhcp=1	true&bhcp=1	PROPN
iiclr-25065	77	1	[	[	X
iiclr-25065	77	2	https://perma.cc/buw8-f3tc	https://perma.cc/buw8-f3tc	PROPN
iiclr-25065	77	3	]	]	PUNCT
iiclr-25065	77	4	.	.	PUNCT
iiclr-25065	78	1	for	for	ADP
iiclr-25065	78	2	a	a	DET
iiclr-25065	78	3	comprehensive	comprehensive	ADJ
iiclr-25065	78	4	comparison	comparison	NOUN
iiclr-25065	78	5	of	of	ADP
iiclr-25065	78	6	the	the	DET
iiclr-25065	78	7	korean	korean	ADJ
iiclr-25065	78	8	securities	security	NOUN
iiclr-25065	78	9	class	class	NOUN
iiclr-25065	78	10	action	action	NOUN
iiclr-25065	78	11	rules	rule	NOUN
iiclr-25065	78	12	and	and	CCONJ
iiclr-25065	78	13	the	the	DET
iiclr-25065	78	14	u.s	u.s	PROPN
iiclr-25065	78	15	.	.	PROPN
iiclr-25065	78	16	rules	rule	NOUN
iiclr-25065	78	17	,	,	PUNCT
iiclr-25065	78	18	see	see	VERB
iiclr-25065	78	19	generally	generally	ADV
iiclr-25065	78	20	benjamin	benjamin	PROPN
iiclr-25065	78	21	joon	joon	PROPN
iiclr-25065	78	22	-	-	PUNCT
iiclr-25065	78	23	buhm	buhm	PROPN
iiclr-25065	78	24	lee	lee	PROPN
iiclr-25065	78	25	,	,	PUNCT
iiclr-25065	78	26	saving	save	VERB
iiclr-25065	78	27	the	the	DET
iiclr-25065	78	28	korean	korean	ADJ
iiclr-25065	78	29	securities	security	NOUN
iiclr-25065	78	30	class	class	NOUN
iiclr-25065	78	31	action	action	NOUN
iiclr-25065	78	32	,	,	PUNCT
iiclr-25065	78	33	39	39	NUM
iiclr-25065	78	34	u.	u.	PROPN
iiclr-25065	78	35	pa	pa	PROPN
iiclr-25065	78	36	.	.	PUNCT
iiclr-25065	79	1	j.	j.	PROPN
iiclr-25065	79	2	int’l	int’l	PROPN
iiclr-25065	79	3	l.	l.	PROPN
iiclr-25065	79	4	247	247	NUM
iiclr-25065	79	5	(	(	PUNCT
iiclr-25065	79	6	2017	2017	NUM
iiclr-25065	79	7	)	)	PUNCT
iiclr-25065	79	8	,	,	PUNCT
iiclr-25065	79	9	https://scholarship.law.upenn.edu/jil/vol39/iss1/6	https://scholarship.law.upenn.edu/jil/vol39/iss1/6	NOUN
iiclr-25065	80	1	[	[	X
iiclr-25065	80	2	https://perma.cc/ts89435l	https://perma.cc/ts89435l	VERB
iiclr-25065	80	3	]	]	X
iiclr-25065	80	4	.	.	PUNCT
iiclr-25065	81	1	20	20	NUM
iiclr-25065	81	2	.	.	PUNCT
iiclr-25065	82	1	see	see	VERB
iiclr-25065	82	2	hodges	hodge	NOUN
iiclr-25065	82	3	,	,	PUNCT
iiclr-25065	82	4	supra	supra	PROPN
iiclr-25065	82	5	note	note	NOUN
iiclr-25065	82	6	13	13	NUM
iiclr-25065	82	7	,	,	PUNCT
iiclr-25065	82	8	at	at	ADP
iiclr-25065	82	9	18	18	NUM
iiclr-25065	82	10	;	;	PUNCT
iiclr-25065	82	11	see	see	VERB
iiclr-25065	82	12	generally	generally	ADV
iiclr-25065	82	13	hodges	hodges	PROPN
iiclr-25065	82	14	&	&	CCONJ
iiclr-25065	82	15	voet	voet	PROPN
iiclr-25065	82	16	,	,	PUNCT
iiclr-25065	82	17	supra	supra	PROPN
iiclr-25065	82	18	note	note	NOUN
iiclr-25065	82	19	1	1	NUM
iiclr-25065	82	20	.	.	SYM
iiclr-25065	82	21	21	21	NUM
iiclr-25065	82	22	.	.	PUNCT
iiclr-25065	83	1	unctad	unctad	PROPN
iiclr-25065	83	2	(	(	PUNCT
iiclr-25065	83	3	2018	2018	NUM
iiclr-25065	83	4	)	)	PUNCT
iiclr-25065	83	5	,	,	PUNCT
iiclr-25065	83	6	supra	supra	PROPN
iiclr-25065	83	7	note	note	NOUN
iiclr-25065	83	8	10	10	NUM
iiclr-25065	83	9	,	,	PUNCT
iiclr-25065	83	10	at	at	ADP
iiclr-25065	83	11	6	6	NUM
iiclr-25065	83	12	.	.	PUNCT
iiclr-25065	84	1	alexander	alexander	PROPN
iiclr-25065	84	2	biard	biard	PROPN
iiclr-25065	84	3	,	,	PUNCT
iiclr-25065	84	4	collective	collective	ADJ
iiclr-25065	84	5	redress	redress	NOUN
iiclr-25065	84	6	in	in	ADP
iiclr-25065	84	7	the	the	DET
iiclr-25065	84	8	eu	eu	PROPN
iiclr-25065	84	9	:	:	PUNCT
iiclr-25065	84	10	a	a	DET
iiclr-25065	84	11	rainbow	rainbow	NOUN
iiclr-25065	84	12	behind	behind	ADP
iiclr-25065	84	13	the	the	DET
iiclr-25065	84	14	clouds	cloud	NOUN
iiclr-25065	84	15	?	?	PUNCT
iiclr-25065	84	16	,	,	PUNCT
iiclr-25065	84	17	18	18	NUM
iiclr-25065	84	18	era	era	NOUN
iiclr-25065	84	19	forum	forum	NOUN
iiclr-25065	84	20	189	189	NUM
iiclr-25065	84	21	,	,	PUNCT
iiclr-25065	84	22	195	195	NUM
iiclr-25065	84	23	(	(	PUNCT
iiclr-25065	84	24	2018	2018	NUM
iiclr-25065	84	25	)	)	PUNCT
iiclr-25065	84	26	,	,	PUNCT
iiclr-25065	84	27	https://doi.org/10.1007/s12027018-0509-4	https://doi.org/10.1007/s12027018-0509-4	X
iiclr-25065	84	28	[	[	X
iiclr-25065	84	29	https://perma.cc/3dx2-6jej	https://perma.cc/3dx2-6jej	X
iiclr-25065	84	30	]	]	X
iiclr-25065	84	31	(	(	PUNCT
iiclr-25065	84	32	citing	cite	VERB
iiclr-25065	84	33	an	an	DET
iiclr-25065	84	34	evaluation	evaluation	NOUN
iiclr-25065	84	35	report	report	NOUN
iiclr-25065	84	36	of	of	ADP
iiclr-25065	84	37	the	the	DET
iiclr-25065	84	38	eu	eu	PROPN
iiclr-25065	84	39	,	,	PUNCT
iiclr-25065	84	40	“	"	PUNCT
iiclr-25065	84	41	in	in	ADP
iiclr-25065	84	42	practice	practice	NOUN
iiclr-25065	84	43	affected	affect	VERB
iiclr-25065	84	44	persons	person	NOUN
iiclr-25065	84	45	do	do	AUX
iiclr-25065	84	46	not	not	PART
iiclr-25065	84	47	use	use	VERB
iiclr-25065	84	48	them	they	PRON
iiclr-25065	84	49	due	due	ADJ
iiclr-25065	84	50	to	to	ADP
iiclr-25065	84	51	the	the	DET
iiclr-25065	84	52	rigid	rigid	ADJ
iiclr-25065	84	53	conditions	condition	NOUN
iiclr-25065	84	54	sent	send	VERB
iiclr-25065	84	55	out	out	ADP
iiclr-25065	84	56	in	in	ADP
iiclr-25065	84	57	national	national	ADJ
iiclr-25065	84	58	legislation	legislation	NOUN
iiclr-25065	84	59	,	,	PUNCT
iiclr-25065	84	60	the	the	DET
iiclr-25065	84	61	lengthy	lengthy	ADJ
iiclr-25065	84	62	nature	nature	NOUN
iiclr-25065	84	63	of	of	ADP
iiclr-25065	84	64	procedures	procedure	NOUN
iiclr-25065	84	65	or	or	CCONJ
iiclr-25065	84	66	perceived	perceive	VERB
iiclr-25065	84	67	excessive	excessive	ADJ
iiclr-25065	84	68	costs	cost	NOUN
iiclr-25065	84	69	in	in	ADP
iiclr-25065	84	70	relation	relation	NOUN
iiclr-25065	84	71	to	to	ADP
iiclr-25065	84	72	the	the	DET
iiclr-25065	84	73	expected	expect	VERB
iiclr-25065	84	74	benefits	benefit	NOUN
iiclr-25065	84	75	of	of	ADP
iiclr-25065	84	76	the	the	DET
iiclr-25065	84	77	actions	action	NOUN
iiclr-25065	84	78	.	.	PUNCT
iiclr-25065	84	79	”	"	PUNCT
iiclr-25065	84	80	)	)	PUNCT
iiclr-25065	84	81	.	.	PUNCT
iiclr-25065	85	1	22	22	NUM
iiclr-25065	85	2	.	.	PUNCT
iiclr-25065	86	1	see	see	VERB
iiclr-25065	86	2	generally	generally	ADV
iiclr-25065	86	3	christopher	christopher	PROPN
iiclr-25065	86	4	hodges	hodges	PROPN
iiclr-25065	86	5	,	,	PUNCT
iiclr-25065	86	6	collective	collective	ADJ
iiclr-25065	86	7	redress	redress	NOUN
iiclr-25065	86	8	:	:	PUNCT
iiclr-25065	86	9	the	the	DET
iiclr-25065	86	10	need	need	NOUN
iiclr-25065	86	11	for	for	ADP
iiclr-25065	86	12	new	new	ADJ
iiclr-25065	86	13	technologies	technology	NOUN
iiclr-25065	86	14	,	,	PUNCT
iiclr-25065	86	15	42	42	NUM
iiclr-25065	86	16	j.	j.	PROPN
iiclr-25065	86	17	consumer	consumer	PROPN
iiclr-25065	86	18	pol’y	pol’y	NOUN
iiclr-25065	86	19	rev	rev	VERB
iiclr-25065	86	20	.	.	PROPN
iiclr-25065	86	21	59	59	NUM
iiclr-25065	86	22	(	(	PUNCT
iiclr-25065	86	23	2018	2018	NUM
iiclr-25065	86	24	)	)	PUNCT
iiclr-25065	87	1	[	[	X
iiclr-25065	87	2	hereinafter	hereinafter	NOUN
iiclr-25065	87	3	collective	collective	ADJ
iiclr-25065	87	4	redress	redress	NOUN
iiclr-25065	87	5	]	]	PUNCT
iiclr-25065	87	6	.	.	PUNCT
iiclr-25065	88	1	23	23	NUM
iiclr-25065	88	2	.	.	PUNCT
iiclr-25065	89	1	european	european	ADJ
iiclr-25065	89	2	parliament	parliament	NOUN
iiclr-25065	89	3	,	,	PUNCT
iiclr-25065	89	4	directive	directive	NOUN
iiclr-25065	89	5	2013/11	2013/11	NUM
iiclr-25065	89	6	/	/	SYM
iiclr-25065	89	7	eu	eu	PROPN
iiclr-25065	89	8	of	of	ADP
iiclr-25065	89	9	the	the	DET
iiclr-25065	89	10	european	european	ADJ
iiclr-25065	89	11	parliament	parliament	NOUN
iiclr-25065	89	12	and	and	CCONJ
iiclr-25065	89	13	of	of	ADP
iiclr-25065	89	14	the	the	DET
iiclr-25065	89	15	council	council	NOUN
iiclr-25065	89	16	of	of	ADP
iiclr-25065	89	17	21	21	NUM
iiclr-25065	89	18	may	may	PROPN
iiclr-25065	89	19	2013	2013	NUM
iiclr-25065	89	20	on	on	ADP
iiclr-25065	89	21	alternative	alternative	ADJ
iiclr-25065	89	22	dispute	dispute	NOUN
iiclr-25065	89	23	resolution	resolution	NOUN
iiclr-25065	89	24	for	for	ADP
iiclr-25065	89	25	consumer	consumer	NOUN
iiclr-25065	89	26	disputes	dispute	NOUN
iiclr-25065	89	27	and	and	CCONJ
iiclr-25065	89	28	amending	amend	VERB
iiclr-25065	89	29	regulation	regulation	NOUN
iiclr-25065	89	30	(	(	PUNCT
iiclr-25065	89	31	ec	ec	PROPN
iiclr-25065	89	32	)	)	PUNCT
iiclr-25065	89	33	no	no	INTJ
iiclr-25065	89	34	.	.	PUNCT
iiclr-25065	89	35	2006/2004	2006/2004	NUM
iiclr-25065	89	36	and	and	CCONJ
iiclr-25065	89	37	directive	directive	NOUN
iiclr-25065	89	38	2009/22	2009/22	NUM
iiclr-25065	89	39	/	/	SYM
iiclr-25065	89	40	ec	ec	PROPN
iiclr-25065	89	41	(	(	PUNCT
iiclr-25065	89	42	june	june	PROPN
iiclr-25065	89	43	18	18	NUM
iiclr-25065	89	44	,	,	PUNCT
iiclr-25065	89	45	2013	2013	NUM
iiclr-25065	89	46	)	)	PUNCT
iiclr-25065	89	47	,	,	PUNCT
iiclr-25065	89	48	https://eurlex.europa.eu/legal-content/en/txt/?uri=celex%3a32013l0011	https://eurlex.europa.eu/legal-content/en/txt/?uri=celex%3a32013l0011	X
iiclr-25065	90	1	[	[	X
iiclr-25065	90	2	https://perma.cc/l9sc-b2w	https://perma.cc/l9sc-b2w	X
iiclr-25065	90	3	.	.	PUNCT
iiclr-25065	91	1	https://perma.cc/5enm-e9ue	https://perma.cc/5enm-e9ue	PROPN
iiclr-25065	91	2	https://perma.cc/buw8-f3tc	https://perma.cc/buw8-f3tc	PROPN
iiclr-25065	91	3	https://perma.cc/3dx2-6jej	https://perma.cc/3dx2-6jej	PROPN
iiclr-25065	91	4	https://eur-lex.europa.eu/legal-content/en/txt/?uri=celex%3a32013l0011	https://eur-lex.europa.eu/legal-content/en/txt/?uri=celex%3a32013l0011	PROPN
iiclr-25065	91	5	https://eur-lex.europa.eu/legal-content/en/txt/?uri=celex%3a32013l0011	https://eur-lex.europa.eu/legal-content/en/txt/?uri=celex%3a32013l0011	PROPN
iiclr-25065	91	6	2019	2019	NUM
iiclr-25065	91	7	]	]	PUNCT
iiclr-25065	91	8	toward	toward	ADP
iiclr-25065	91	9	regulatory	regulatory	ADJ
iiclr-25065	91	10	mass	mass	NOUN
iiclr-25065	91	11	redress	redress	NOUN
iiclr-25065	91	12	schemes	scheme	NOUN
iiclr-25065	91	13	103	103	NUM
iiclr-25065	91	14	using	use	VERB
iiclr-25065	91	15	electronic	electronic	ADJ
iiclr-25065	91	16	communication.24	communication.24	NOUN
iiclr-25065	91	17	it	it	PRON
iiclr-25065	91	18	can	can	AUX
iiclr-25065	91	19	offer	offer	VERB
iiclr-25065	91	20	simple	simple	ADJ
iiclr-25065	91	21	,	,	PUNCT
iiclr-25065	91	22	efficient	efficient	ADJ
iiclr-25065	91	23	,	,	PUNCT
iiclr-25065	91	24	fast	fast	ADJ
iiclr-25065	91	25	,	,	PUNCT
iiclr-25065	91	26	and	and	CCONJ
iiclr-25065	91	27	lowcost	lowcost	VERB
iiclr-25065	91	28	out	out	ADP
iiclr-25065	91	29	-	-	PUNCT
iiclr-25065	91	30	of	of	ADP
iiclr-25065	91	31	-	-	PUNCT
iiclr-25065	91	32	court	court	NOUN
iiclr-25065	91	33	solutions.25	solutions.25	ADJ
iiclr-25065	91	34	major	major	ADJ
iiclr-25065	91	35	online	online	ADJ
iiclr-25065	91	36	platforms	platform	NOUN
iiclr-25065	91	37	like	like	ADP
iiclr-25065	91	38	ebay	ebay	PROPN
iiclr-25065	91	39	and	and	CCONJ
iiclr-25065	91	40	paypal	paypal	NOUN
iiclr-25065	91	41	were	be	AUX
iiclr-25065	91	42	the	the	DET
iiclr-25065	91	43	first	first	ADJ
iiclr-25065	91	44	to	to	PART
iiclr-25065	91	45	develop	develop	VERB
iiclr-25065	91	46	odr.26	odr.26	PROPN
iiclr-25065	91	47	odr	odr	X
iiclr-25065	91	48	platforms	platform	NOUN
iiclr-25065	91	49	can	can	AUX
iiclr-25065	91	50	manage	manage	VERB
iiclr-25065	91	51	significantly	significantly	ADV
iiclr-25065	91	52	more	more	ADJ
iiclr-25065	91	53	complaints	complaint	NOUN
iiclr-25065	91	54	than	than	SCONJ
iiclr-25065	91	55	can	can	AUX
iiclr-25065	91	56	any	any	DET
iiclr-25065	91	57	court	court	NOUN
iiclr-25065	91	58	system.27	system.27	PROPN
iiclr-25065	91	59	emulating	emulate	VERB
iiclr-25065	91	60	these	these	DET
iiclr-25065	91	61	private	private	ADJ
iiclr-25065	91	62	odr	odr	NOUN
iiclr-25065	91	63	systems	system	NOUN
iiclr-25065	91	64	,	,	PUNCT
iiclr-25065	91	65	more	more	ADJ
iiclr-25065	91	66	countries	country	NOUN
iiclr-25065	91	67	are	be	AUX
iiclr-25065	91	68	adopting	adopt	VERB
iiclr-25065	91	69	odr	odr	ADV
iiclr-25065	91	70	,	,	PUNCT
iiclr-25065	91	71	or	or	CCONJ
iiclr-25065	91	72	at	at	ADP
iiclr-25065	91	73	least	least	ADJ
iiclr-25065	91	74	some	some	PRON
iiclr-25065	91	75	of	of	ADP
iiclr-25065	91	76	its	its	PRON
iiclr-25065	91	77	elements	element	NOUN
iiclr-25065	91	78	,	,	PUNCT
iiclr-25065	91	79	as	as	ADP
iiclr-25065	91	80	part	part	NOUN
iiclr-25065	91	81	of	of	ADP
iiclr-25065	91	82	their	their	PRON
iiclr-25065	91	83	public	public	ADJ
iiclr-25065	91	84	redress	redress	NOUN
iiclr-25065	91	85	mechanisms.28	mechanisms.28	NOUN
iiclr-25065	91	86	for	for	ADP
iiclr-25065	91	87	example	example	NOUN
iiclr-25065	91	88	,	,	PUNCT
iiclr-25065	91	89	in	in	ADP
iiclr-25065	91	90	accordance	accordance	NOUN
iiclr-25065	91	91	with	with	ADP
iiclr-25065	91	92	the	the	DET
iiclr-25065	91	93	2018	2018	NUM
iiclr-25065	91	94	eu	eu	PROPN
iiclr-25065	91	95	directive	directive	NOUN
iiclr-25065	91	96	,	,	PUNCT
iiclr-25065	91	97	the	the	DET
iiclr-25065	91	98	european	european	PROPN
iiclr-25065	91	99	commission	commission	PROPN
iiclr-25065	91	100	operates	operate	VERB
iiclr-25065	91	101	an	an	DET
iiclr-25065	91	102	online	online	ADJ
iiclr-25065	91	103	dispute	dispute	NOUN
iiclr-25065	91	104	resolution	resolution	NOUN
iiclr-25065	91	105	site	site	NOUN
iiclr-25065	91	106	through	through	ADP
iiclr-25065	91	107	which	which	PRON
iiclr-25065	91	108	any	any	DET
iiclr-25065	91	109	consumer	consumer	NOUN
iiclr-25065	91	110	who	who	PRON
iiclr-25065	91	111	bought	buy	VERB
iiclr-25065	91	112	goods	good	NOUN
iiclr-25065	91	113	or	or	CCONJ
iiclr-25065	91	114	services	service	NOUN
iiclr-25065	91	115	online	online	ADV
iiclr-25065	91	116	from	from	ADP
iiclr-25065	91	117	an	an	DET
iiclr-25065	91	118	eu	eu	PROPN
iiclr-25065	91	119	trader	trader	NOUN
iiclr-25065	91	120	can	can	AUX
iiclr-25065	91	121	file	file	VERB
iiclr-25065	91	122	a	a	DET
iiclr-25065	91	123	complaint.29	complaint.29	NOUN
iiclr-25065	91	124	one	one	NUM
iiclr-25065	91	125	final	final	ADJ
iiclr-25065	91	126	option	option	NOUN
iiclr-25065	91	127	for	for	ADP
iiclr-25065	91	128	consumer	consumer	NOUN
iiclr-25065	91	129	redress	redress	NOUN
iiclr-25065	91	130	is	be	AUX
iiclr-25065	91	131	the	the	DET
iiclr-25065	91	132	ombudsman	ombudsman	NOUN
iiclr-25065	91	133	.	.	PUNCT
iiclr-25065	92	1	operating	operate	VERB
iiclr-25065	92	2	in	in	ADP
iiclr-25065	92	3	a	a	DET
iiclr-25065	92	4	number	number	NOUN
iiclr-25065	92	5	of	of	ADP
iiclr-25065	92	6	nations	nation	NOUN
iiclr-25065	92	7	,	,	PUNCT
iiclr-25065	92	8	consumer	consumer	NOUN
iiclr-25065	92	9	ombudsman	ombudsman	NOUN
iiclr-25065	92	10	schemes	scheme	NOUN
iiclr-25065	92	11	offer	offer	VERB
iiclr-25065	92	12	a	a	DET
iiclr-25065	92	13	type	type	NOUN
iiclr-25065	92	14	of	of	ADP
iiclr-25065	92	15	specialized	specialized	ADJ
iiclr-25065	92	16	adr	adr	PROPN
iiclr-25065	92	17	system	system	NOUN
iiclr-25065	92	18	that	that	PRON
iiclr-25065	92	19	provides	provide	VERB
iiclr-25065	92	20	some	some	DET
iiclr-25065	92	21	form	form	NOUN
iiclr-25065	92	22	of	of	ADP
iiclr-25065	92	23	redress	redress	NOUN
iiclr-25065	92	24	;	;	PUNCT
iiclr-25065	92	25	can	can	AUX
iiclr-25065	92	26	systematically	systematically	ADV
iiclr-25065	92	27	assess	assess	VERB
iiclr-25065	92	28	individual	individual	ADJ
iiclr-25065	92	29	issues	issue	NOUN
iiclr-25065	92	30	to	to	PART
iiclr-25065	92	31	analyze	analyze	VERB
iiclr-25065	92	32	complaint	complaint	NOUN
iiclr-25065	92	33	patterns	pattern	NOUN
iiclr-25065	92	34	;	;	PUNCT
iiclr-25065	92	35	and	and	CCONJ
iiclr-25065	92	36	draw	draw	VERB
iiclr-25065	92	37	broader	broad	ADJ
iiclr-25065	92	38	implications	implication	NOUN
iiclr-25065	92	39	on	on	ADP
iiclr-25065	92	40	a	a	DET
iiclr-25065	92	41	specific	specific	ADJ
iiclr-25065	92	42	product	product	NOUN
iiclr-25065	92	43	or	or	CCONJ
iiclr-25065	92	44	industry.30	industry.30	PROPN
iiclr-25065	92	45	consumer	consumer	NOUN
iiclr-25065	92	46	ombudsman	ombudsman	NOUN
iiclr-25065	92	47	work	work	VERB
iiclr-25065	92	48	in	in	ADP
iiclr-25065	92	49	cooperation	cooperation	NOUN
iiclr-25065	92	50	with	with	ADP
iiclr-25065	92	51	regulators	regulator	NOUN
iiclr-25065	92	52	.	.	PUNCT
iiclr-25065	93	1	they	they	PRON
iiclr-25065	93	2	can	can	AUX
iiclr-25065	93	3	formulate	formulate	VERB
iiclr-25065	93	4	recommendations	recommendation	NOUN
iiclr-25065	93	5	in	in	ADP
iiclr-25065	93	6	light	light	NOUN
iiclr-25065	93	7	of	of	ADP
iiclr-25065	93	8	their	their	PRON
iiclr-25065	93	9	systemic	systemic	ADJ
iiclr-25065	93	10	analysis	analysis	NOUN
iiclr-25065	93	11	,	,	PUNCT
iiclr-25065	93	12	inform	inform	VERB
iiclr-25065	93	13	legislation	legislation	NOUN
iiclr-25065	93	14	or	or	CCONJ
iiclr-25065	93	15	rule	rule	NOUN
iiclr-25065	93	16	changes	change	NOUN
iiclr-25065	93	17	,	,	PUNCT
iiclr-25065	93	18	and	and	CCONJ
iiclr-25065	93	19	give	give	VERB
iiclr-25065	93	20	feedback	feedback	NOUN
iiclr-25065	93	21	to	to	ADP
iiclr-25065	93	22	traders	trader	NOUN
iiclr-25065	93	23	.	.	PUNCT
iiclr-25065	94	1	31	31	NUM
iiclr-25065	95	1	while	while	SCONJ
iiclr-25065	95	2	some	some	DET
iiclr-25065	95	3	consumer	consumer	NOUN
iiclr-25065	95	4	ombudsmen	ombudsman	NOUN
iiclr-25065	95	5	provide	provide	VERB
iiclr-25065	95	6	general	general	ADJ
iiclr-25065	95	7	services	service	NOUN
iiclr-25065	95	8	for	for	ADP
iiclr-25065	95	9	overall	overall	ADJ
iiclr-25065	95	10	consumer	consumer	NOUN
iiclr-25065	95	11	complaints	complaint	NOUN
iiclr-25065	95	12	,	,	PUNCT
iiclr-25065	95	13	such	such	ADJ
iiclr-25065	95	14	schemes	scheme	NOUN
iiclr-25065	95	15	generally	generally	ADV
iiclr-25065	95	16	work	work	VERB
iiclr-25065	95	17	best	well	ADV
iiclr-25065	95	18	in	in	ADP
iiclr-25065	95	19	specialized	specialized	ADJ
iiclr-25065	95	20	areas	area	NOUN
iiclr-25065	95	21	,	,	PUNCT
iiclr-25065	95	22	such	such	ADJ
iiclr-25065	95	23	as	as	ADP
iiclr-25065	95	24	the	the	DET
iiclr-25065	95	25	financial	financial	ADJ
iiclr-25065	95	26	services	service	NOUN
iiclr-25065	95	27	,	,	PUNCT
iiclr-25065	95	28	communications	communication	NOUN
iiclr-25065	95	29	,	,	PUNCT
iiclr-25065	95	30	or	or	CCONJ
iiclr-25065	95	31	energy	energy	NOUN
iiclr-25065	95	32	sectors.32	sectors.32	VERB
iiclr-25065	95	33	the	the	DET
iiclr-25065	95	34	most	most	ADV
iiclr-25065	95	35	significant	significant	ADJ
iiclr-25065	95	36	benefit	benefit	NOUN
iiclr-25065	95	37	of	of	ADP
iiclr-25065	95	38	ombudsmen	ombudsman	NOUN
iiclr-25065	95	39	is	be	AUX
iiclr-25065	95	40	their	their	PRON
iiclr-25065	95	41	ability	ability	NOUN
iiclr-25065	95	42	to	to	PART
iiclr-25065	95	43	provide	provide	VERB
iiclr-25065	95	44	collective	collective	ADJ
iiclr-25065	95	45	redress	redress	NOUN
iiclr-25065	95	46	.	.	PUNCT
iiclr-25065	96	1	although	although	SCONJ
iiclr-25065	96	2	both	both	DET
iiclr-25065	96	3	adr	adr	PROPN
iiclr-25065	96	4	and	and	CCONJ
iiclr-25065	96	5	odr	odr	ADV
iiclr-25065	96	6	have	have	VERB
iiclr-25065	96	7	their	their	PRON
iiclr-25065	96	8	advantages	advantage	NOUN
iiclr-25065	96	9	,	,	PUNCT
iiclr-25065	96	10	they	they	PRON
iiclr-25065	96	11	are	be	AUX
iiclr-25065	96	12	limited	limit	VERB
iiclr-25065	96	13	as	as	ADP
iiclr-25065	96	14	mechanisms	mechanism	NOUN
iiclr-25065	96	15	for	for	ADP
iiclr-25065	96	16	collective	collective	ADJ
iiclr-25065	96	17	consumer	consumer	NOUN
iiclr-25065	96	18	redress	redress	NOUN
iiclr-25065	96	19	because	because	SCONJ
iiclr-25065	96	20	traditionally	traditionally	ADV
iiclr-25065	96	21	,	,	PUNCT
iiclr-25065	96	22	they	they	PRON
iiclr-25065	96	23	provide	provide	VERB
iiclr-25065	96	24	only	only	ADV
iiclr-25065	96	25	individual	individual	ADJ
iiclr-25065	96	26	redress	redress	NOUN
iiclr-25065	96	27	for	for	ADP
iiclr-25065	96	28	consumers,33	consumers,33	NOUN
iiclr-25065	96	29	and	and	CCONJ
iiclr-25065	96	30	individual	individual	ADJ
iiclr-25065	96	31	redress	redress	NOUN
iiclr-25065	96	32	is	be	AUX
iiclr-25065	96	33	still	still	ADV
iiclr-25065	96	34	an	an	DET
iiclr-25065	96	35	inefficient	inefficient	ADJ
iiclr-25065	96	36	way	way	NOUN
iiclr-25065	96	37	to	to	PART
iiclr-25065	96	38	resolve	resolve	VERB
iiclr-25065	96	39	mass	mass	ADJ
iiclr-25065	96	40	harm	harm	NOUN
iiclr-25065	96	41	.	.	PUNCT
iiclr-25065	97	1	consumer	consumer	NOUN
iiclr-25065	97	2	ombudsman	ombudsman	NOUN
iiclr-25065	97	3	schemes	scheme	NOUN
iiclr-25065	97	4	that	that	PRON
iiclr-25065	97	5	work	work	VERB
iiclr-25065	97	6	in	in	ADP
iiclr-25065	97	7	tandem	tandem	NOUN
iiclr-25065	97	8	with	with	ADP
iiclr-25065	97	9	regulatory	regulatory	ADJ
iiclr-25065	97	10	authorities	authority	NOUN
iiclr-25065	97	11	and	and	CCONJ
iiclr-25065	97	12	allow	allow	VERB
iiclr-25065	97	13	regulatory	regulatory	ADJ
iiclr-25065	97	14	mass	mass	NOUN
iiclr-25065	97	15	redress	redress	NOUN
iiclr-25065	97	16	,	,	PUNCT
iiclr-25065	97	17	thus	thus	ADV
iiclr-25065	97	18	,	,	PUNCT
iiclr-25065	97	19	offer	offer	VERB
iiclr-25065	97	20	a	a	DET
iiclr-25065	97	21	promising	promising	ADJ
iiclr-25065	97	22	solution	solution	NOUN
iiclr-25065	97	23	for	for	ADP
iiclr-25065	97	24	mass	mass	ADJ
iiclr-25065	97	25	consumer	consumer	NOUN
iiclr-25065	97	26	harm	harm	NOUN
iiclr-25065	97	27	.	.	PUNCT
iiclr-25065	98	1	24	24	NUM
iiclr-25065	98	2	.	.	PUNCT
iiclr-25065	98	3	pablo	pablo	PROPN
iiclr-25065	98	4	cortés	cortés	PROPN
iiclr-25065	98	5	,	,	PUNCT
iiclr-25065	98	6	online	online	ADJ
iiclr-25065	98	7	dispute	dispute	NOUN
iiclr-25065	98	8	resolution	resolution	NOUN
iiclr-25065	98	9	for	for	ADP
iiclr-25065	98	10	consumers	consumer	NOUN
iiclr-25065	98	11	in	in	ADP
iiclr-25065	98	12	the	the	DET
iiclr-25065	98	13	european	european	PROPN
iiclr-25065	98	14	union	union	PROPN
iiclr-25065	98	15	85	85	NUM
iiclr-25065	98	16	(	(	PUNCT
iiclr-25065	98	17	routledge	routledge	PROPN
iiclr-25065	98	18	,	,	PUNCT
iiclr-25065	98	19	2011	2011	NUM
iiclr-25065	98	20	)	)	PUNCT
iiclr-25065	98	21	(	(	PUNCT
iiclr-25065	98	22	note	note	VERB
iiclr-25065	98	23	.	.	PUNCT
iiclr-25065	99	1	1	1	NUM
iiclr-25065	99	2	states	state	NOUN
iiclr-25065	99	3	,	,	PUNCT
iiclr-25065	99	4	“	"	PUNCT
iiclr-25065	99	5	odr	odr	X
iiclr-25065	99	6	is	be	AUX
iiclr-25065	99	7	understood	understand	VERB
iiclr-25065	99	8	as	as	ADP
iiclr-25065	99	9	any	any	DET
iiclr-25065	99	10	method	method	NOUN
iiclr-25065	99	11	used	use	VERB
iiclr-25065	99	12	to	to	PART
iiclr-25065	99	13	settle	settle	VERB
iiclr-25065	99	14	disputes	dispute	NOUN
iiclr-25065	99	15	that	that	PRON
iiclr-25065	99	16	are	be	AUX
iiclr-25065	99	17	conducted	conduct	VERB
iiclr-25065	99	18	mainly	mainly	ADV
iiclr-25065	99	19	through	through	ADP
iiclr-25065	99	20	the	the	DET
iiclr-25065	99	21	use	use	NOUN
iiclr-25065	99	22	of	of	ADP
iiclr-25065	99	23	ict	ict	PROPN
iiclr-25065	99	24	(	(	PUNCT
iiclr-25065	99	25	i.e.	i.e.	X
iiclr-25065	99	26	,	,	PUNCT
iiclr-25065	99	27	automated	automated	ADJ
iiclr-25065	99	28	negotiation	negotiation	NOUN
iiclr-25065	99	29	,	,	PUNCT
iiclr-25065	99	30	assisted	assist	VERB
iiclr-25065	99	31	negotiation	negotiation	NOUN
iiclr-25065	99	32	,	,	PUNCT
iiclr-25065	99	33	online	online	ADJ
iiclr-25065	99	34	mediation	mediation	NOUN
iiclr-25065	99	35	,	,	PUNCT
iiclr-25065	99	36	online	online	ADJ
iiclr-25065	99	37	arbitration	arbitration	NOUN
iiclr-25065	99	38	,	,	PUNCT
iiclr-25065	99	39	cybercourts	cybercourt	NOUN
iiclr-25065	99	40	,	,	PUNCT
iiclr-25065	99	41	etc	etc	X
iiclr-25065	99	42	.	.	X
iiclr-25065	99	43	)	)	PUNCT
iiclr-25065	99	44	.	.	PUNCT
iiclr-25065	100	1	25	25	NUM
iiclr-25065	100	2	.	.	PUNCT
iiclr-25065	100	3	european	european	ADJ
iiclr-25065	100	4	parliament	parliament	PROPN
iiclr-25065	100	5	,	,	PUNCT
iiclr-25065	100	6	supra	supra	PROPN
iiclr-25065	100	7	note	note	NOUN
iiclr-25065	100	8	23	23	NUM
iiclr-25065	100	9	.	.	PUNCT
iiclr-25065	101	1	26	26	NUM
iiclr-25065	101	2	.	.	PUNCT
iiclr-25065	101	3	unctad	unctad	PROPN
iiclr-25065	101	4	(	(	PUNCT
iiclr-25065	101	5	2018	2018	NUM
iiclr-25065	101	6	)	)	PUNCT
iiclr-25065	101	7	,	,	PUNCT
iiclr-25065	101	8	supra	supra	PROPN
iiclr-25065	101	9	note	note	NOUN
iiclr-25065	101	10	10	10	NUM
iiclr-25065	101	11	,	,	PUNCT
iiclr-25065	101	12	at	at	ADP
iiclr-25065	101	13	9	9	NUM
iiclr-25065	101	14	.	.	NOUN
iiclr-25065	101	15	27	27	NUM
iiclr-25065	101	16	.	.	PUNCT
iiclr-25065	102	1	i	i	PRON
iiclr-25065	102	2	d.	d.	PROPN
iiclr-25065	102	3	28	28	NUM
iiclr-25065	102	4	.	.	PUNCT
iiclr-25065	103	1	some	some	DET
iiclr-25065	103	2	odr	odr	ADV
iiclr-25065	103	3	practices	practice	NOUN
iiclr-25065	103	4	have	have	VERB
iiclr-25065	103	5	elements	element	NOUN
iiclr-25065	103	6	of	of	ADP
iiclr-25065	103	7	the	the	DET
iiclr-25065	103	8	dispute	dispute	NOUN
iiclr-25065	103	9	resolution	resolution	NOUN
iiclr-25065	103	10	carried	carry	VERB
iiclr-25065	103	11	out	out	ADP
iiclr-25065	103	12	offline	offline	ADJ
iiclr-25065	103	13	(	(	PUNCT
iiclr-25065	103	14	e.g.	e.g.	ADV
iiclr-25065	103	15	,	,	PUNCT
iiclr-25065	103	16	in	in	ADP
iiclr-25065	103	17	south	south	PROPN
iiclr-25065	103	18	korea	korea	PROPN
iiclr-25065	103	19	)	)	PUNCT
iiclr-25065	103	20	an	an	DET
iiclr-25065	103	21	odr	odr	ADV
iiclr-25065	103	22	scheme	scheme	NOUN
iiclr-25065	103	23	managed	manage	VERB
iiclr-25065	103	24	by	by	ADP
iiclr-25065	103	25	the	the	DET
iiclr-25065	103	26	korean	korean	ADJ
iiclr-25065	103	27	it	it	PRON
iiclr-25065	103	28	industry	industry	NOUN
iiclr-25065	103	29	promotion	promotion	NOUN
iiclr-25065	103	30	agency	agency	NOUN
iiclr-25065	103	31	incorporates	incorporate	VERB
iiclr-25065	103	32	offline	offline	ADJ
iiclr-25065	103	33	(	(	PUNCT
iiclr-25065	103	34	e.g.	e.g.	ADV
iiclr-25065	103	35	,	,	PUNCT
iiclr-25065	103	36	face	face	NOUN
iiclr-25065	103	37	-	-	PUNCT
iiclr-25065	103	38	to	to	ADP
iiclr-25065	103	39	-	-	PUNCT
iiclr-25065	103	40	face	face	NOUN
iiclr-25065	103	41	method	method	NOUN
iiclr-25065	103	42	)	)	PUNCT
iiclr-25065	103	43	.	.	PUNCT
iiclr-25065	104	1	see	see	VERB
iiclr-25065	104	2	okkyeong	okkyeong	PROPN
iiclr-25065	104	3	bang	bang	PROPN
iiclr-25065	104	4	,	,	PUNCT
iiclr-25065	104	5	current	current	ADJ
iiclr-25065	104	6	practices	practice	NOUN
iiclr-25065	104	7	of	of	ADP
iiclr-25065	104	8	odr	odr	ADV
iiclr-25065	104	9	in	in	ADP
iiclr-25065	104	10	korea	korea	PROPN
iiclr-25065	104	11	(	(	PUNCT
iiclr-25065	104	12	sept	sept	PROPN
iiclr-25065	104	13	.	.	PROPN
iiclr-25065	104	14	21	21	NUM
iiclr-25065	104	15	,	,	PUNCT
iiclr-25065	104	16	2012	2012	NUM
iiclr-25065	104	17	)	)	PUNCT
iiclr-25065	104	18	,	,	PUNCT
iiclr-25065	104	19	http://uncitralrcap.org/wp-content/uploads/2015/11/day2_panel1_2	http://uncitralrcap.org/wp-content/uploads/2015/11/day2_panel1_2	PROPN
iiclr-25065	104	20	_	_	PUNCT
iiclr-25065	105	1	okkyeong-bang_current-practices-of-odr-in-korea.pdf	okkyeong-bang_current-practices-of-odr-in-korea.pdf	PUNCT
iiclr-25065	106	1	[	[	X
iiclr-25065	106	2	https://perma.cc/8jyc-ev5x	https://perma.cc/8jyc-ev5x	X
iiclr-25065	106	3	]	]	X
iiclr-25065	106	4	.	.	PUNCT
iiclr-25065	107	1	29	29	NUM
iiclr-25065	107	2	.	.	PUNCT
iiclr-25065	107	3	european	european	ADJ
iiclr-25065	107	4	parliament	parliament	PROPN
iiclr-25065	107	5	,	,	PUNCT
iiclr-25065	107	6	supra	supra	PROPN
iiclr-25065	107	7	note	note	NOUN
iiclr-25065	107	8	23	23	NUM
iiclr-25065	107	9	.	.	PUNCT
iiclr-25065	107	10	30	30	NUM
iiclr-25065	107	11	.	.	PUNCT
iiclr-25065	108	1	see	see	VERB
iiclr-25065	108	2	hodges	hodges	PROPN
iiclr-25065	108	3	&	&	CCONJ
iiclr-25065	108	4	voet	voet	PROPN
iiclr-25065	108	5	,	,	PUNCT
iiclr-25065	108	6	supra	supra	PROPN
iiclr-25065	108	7	note	note	NOUN
iiclr-25065	108	8	1	1	NUM
iiclr-25065	108	9	at	at	ADP
iiclr-25065	108	10	212	212	NUM
iiclr-25065	108	11	;	;	PUNCT
iiclr-25065	108	12	see	see	VERB
iiclr-25065	108	13	waye	waye	NOUN
iiclr-25065	108	14	&	&	CCONJ
iiclr-25065	108	15	morabito	morabito	PROPN
iiclr-25065	108	16	,	,	PUNCT
iiclr-25065	108	17	supra	supra	PROPN
iiclr-25065	108	18	note	note	NOUN
iiclr-25065	108	19	3	3	NUM
iiclr-25065	108	20	.	.	NOUN
iiclr-25065	108	21	31	31	NUM
iiclr-25065	108	22	.	.	PUNCT
iiclr-25065	109	1	see	see	VERB
iiclr-25065	109	2	hodges	hodges	PROPN
iiclr-25065	109	3	&	&	CCONJ
iiclr-25065	109	4	voet	voet	PROPN
iiclr-25065	109	5	,	,	PUNCT
iiclr-25065	109	6	supra	supra	PROPN
iiclr-25065	109	7	note	note	NOUN
iiclr-25065	109	8	1	1	NUM
iiclr-25065	109	9	.	.	X
iiclr-25065	109	10	32	32	NUM
iiclr-25065	109	11	.	.	PUNCT
iiclr-25065	110	1	i	i	PRON
iiclr-25065	110	2	d.	d.	PROPN
iiclr-25065	110	3	33	33	NUM
iiclr-25065	110	4	.	.	PUNCT
iiclr-25065	111	1	collective	collective	ADJ
iiclr-25065	111	2	redress	redress	NOUN
iiclr-25065	111	3	,	,	PUNCT
iiclr-25065	111	4	supra	supra	PROPN
iiclr-25065	111	5	note	note	NOUN
iiclr-25065	111	6	22	22	NUM
iiclr-25065	111	7	,	,	PUNCT
iiclr-25065	111	8	at	at	ADP
iiclr-25065	111	9	67	67	NUM
iiclr-25065	111	10	.	.	PUNCT
iiclr-25065	112	1	indiana	indiana	PROPN
iiclr-25065	112	2	int’l	int’l	PROPN
iiclr-25065	112	3	&	&	CCONJ
iiclr-25065	112	4	comp	comp	PROPN
iiclr-25065	112	5	.	.	PUNCT
iiclr-25065	113	1	law	law	NOUN
iiclr-25065	113	2	review	review	NOUN
iiclr-25065	114	1	[	[	X
iiclr-25065	114	2	vol	vol	NOUN
iiclr-25065	114	3	.	.	PUNCT
iiclr-25065	114	4	30:99	30:99	NUM
iiclr-25065	114	5	104	104	NUM
iiclr-25065	114	6	b.	b.	PROPN
iiclr-25065	114	7	regulatory	regulatory	ADJ
iiclr-25065	114	8	mass	mass	PROPN
iiclr-25065	114	9	redress	redress	NOUN
iiclr-25065	114	10	this	this	DET
iiclr-25065	114	11	paper	paper	NOUN
iiclr-25065	114	12	uses	use	VERB
iiclr-25065	114	13	the	the	DET
iiclr-25065	114	14	term	term	NOUN
iiclr-25065	114	15	“	"	PUNCT
iiclr-25065	114	16	regulatory	regulatory	ADJ
iiclr-25065	114	17	redress	redress	NOUN
iiclr-25065	114	18	”	"	PUNCT
iiclr-25065	114	19	to	to	PART
iiclr-25065	114	20	refer	refer	VERB
iiclr-25065	114	21	broadly	broadly	ADV
iiclr-25065	114	22	to	to	ADP
iiclr-25065	114	23	a	a	DET
iiclr-25065	114	24	generic	generic	ADJ
iiclr-25065	114	25	term	term	NOUN
iiclr-25065	114	26	of	of	ADP
iiclr-25065	114	27	the	the	DET
iiclr-25065	114	28	redress	redress	NOUN
iiclr-25065	114	29	made	make	VERB
iiclr-25065	114	30	that	that	SCONJ
iiclr-25065	114	31	consumers	consumer	NOUN
iiclr-25065	114	32	receive	receive	VERB
iiclr-25065	114	33	through	through	ADP
iiclr-25065	114	34	the	the	DET
iiclr-25065	114	35	“	"	PUNCT
iiclr-25065	114	36	intervention	intervention	NOUN
iiclr-25065	114	37	of	of	ADP
iiclr-25065	114	38	an	an	DET
iiclr-25065	114	39	administrative	administrative	ADJ
iiclr-25065	114	40	authority	authority	NOUN
iiclr-25065	114	41	.	.	PUNCT
iiclr-25065	115	1	”34	”34	PROPN
iiclr-25065	115	2	as	as	SCONJ
iiclr-25065	115	3	noted	note	VERB
iiclr-25065	115	4	in	in	ADP
iiclr-25065	115	5	the	the	DET
iiclr-25065	115	6	previous	previous	ADJ
iiclr-25065	115	7	sections	section	NOUN
iiclr-25065	115	8	,	,	PUNCT
iiclr-25065	115	9	courts	court	NOUN
iiclr-25065	115	10	are	be	AUX
iiclr-25065	115	11	not	not	PART
iiclr-25065	115	12	the	the	DET
iiclr-25065	115	13	only	only	ADJ
iiclr-25065	115	14	institutions	institution	NOUN
iiclr-25065	115	15	in	in	ADP
iiclr-25065	115	16	which	which	PRON
iiclr-25065	115	17	consumers	consumer	NOUN
iiclr-25065	115	18	rely	rely	VERB
iiclr-25065	115	19	on	on	ADP
iiclr-25065	115	20	redress	redress	NOUN
iiclr-25065	115	21	.	.	PUNCT
iiclr-25065	116	1	adr	adr	PROPN
iiclr-25065	116	2	,	,	PUNCT
iiclr-25065	116	3	odr	odr	ADV
iiclr-25065	116	4	,	,	PUNCT
iiclr-25065	116	5	and	and	CCONJ
iiclr-25065	116	6	ombudsman	ombudsman	ADJ
iiclr-25065	116	7	schemes	scheme	NOUN
iiclr-25065	116	8	provide	provide	VERB
iiclr-25065	116	9	alternatives	alternative	NOUN
iiclr-25065	116	10	to	to	ADP
iiclr-25065	116	11	court	court	NOUN
iiclr-25065	116	12	remedies	remedy	NOUN
iiclr-25065	116	13	.	.	PUNCT
iiclr-25065	117	1	as	as	SCONJ
iiclr-25065	117	2	the	the	DET
iiclr-25065	117	3	following	follow	VERB
iiclr-25065	117	4	case	case	NOUN
iiclr-25065	117	5	studies	study	NOUN
iiclr-25065	117	6	will	will	AUX
iiclr-25065	117	7	show	show	VERB
iiclr-25065	117	8	,	,	PUNCT
iiclr-25065	117	9	more	more	ADJ
iiclr-25065	117	10	examples	example	NOUN
iiclr-25065	117	11	are	be	AUX
iiclr-25065	117	12	emerging	emerge	VERB
iiclr-25065	117	13	in	in	ADP
iiclr-25065	117	14	which	which	PRON
iiclr-25065	117	15	the	the	DET
iiclr-25065	117	16	public	public	ADJ
iiclr-25065	117	17	authorities	authority	NOUN
iiclr-25065	117	18	that	that	PRON
iiclr-25065	117	19	enforce	enforce	VERB
iiclr-25065	117	20	consumer	consumer	NOUN
iiclr-25065	117	21	protection	protection	NOUN
iiclr-25065	117	22	laws	law	NOUN
iiclr-25065	117	23	are	be	AUX
iiclr-25065	117	24	shifting	shift	VERB
iiclr-25065	117	25	their	their	PRON
iiclr-25065	117	26	attention	attention	NOUN
iiclr-25065	117	27	to	to	ADP
iiclr-25065	117	28	restitution	restitution	NOUN
iiclr-25065	117	29	for	for	ADP
iiclr-25065	117	30	wronged	wrong	VERB
iiclr-25065	117	31	consumers	consumer	NOUN
iiclr-25065	117	32	rather	rather	ADV
iiclr-25065	117	33	than	than	ADP
iiclr-25065	117	34	just	just	ADV
iiclr-25065	117	35	focusing	focus	VERB
iiclr-25065	117	36	on	on	ADP
iiclr-25065	117	37	the	the	DET
iiclr-25065	117	38	deterrence	deterrence	NOUN
iiclr-25065	117	39	of	of	ADP
iiclr-25065	117	40	wrongdoing.35	wrongdoing.35	NOUN
iiclr-25065	117	41	in	in	ADP
iiclr-25065	117	42	addition	addition	NOUN
iiclr-25065	117	43	,	,	PUNCT
iiclr-25065	117	44	the	the	DET
iiclr-25065	117	45	un	un	PROPN
iiclr-25065	117	46	guidelines	guideline	NOUN
iiclr-25065	117	47	on	on	ADP
iiclr-25065	117	48	consumer	consumer	NOUN
iiclr-25065	117	49	protection	protection	NOUN
iiclr-25065	117	50	also	also	ADV
iiclr-25065	117	51	offer	offer	VERB
iiclr-25065	117	52	administrative	administrative	ADJ
iiclr-25065	117	53	options	option	NOUN
iiclr-25065	117	54	for	for	ADP
iiclr-25065	117	55	consumer	consumer	NOUN
iiclr-25065	117	56	redress.36	redress.36	NOUN
iiclr-25065	117	57	administrative	administrative	ADJ
iiclr-25065	117	58	authorities	authority	NOUN
iiclr-25065	117	59	with	with	ADP
iiclr-25065	117	60	investigative	investigative	ADJ
iiclr-25065	117	61	,	,	PUNCT
iiclr-25065	117	62	regulatory	regulatory	ADJ
iiclr-25065	117	63	,	,	PUNCT
iiclr-25065	117	64	supervisory	supervisory	ADJ
iiclr-25065	117	65	,	,	PUNCT
iiclr-25065	117	66	or	or	CCONJ
iiclr-25065	117	67	enforcement	enforcement	NOUN
iiclr-25065	117	68	powers	power	NOUN
iiclr-25065	117	69	regarding	regard	VERB
iiclr-25065	117	70	consumer	consumer	NOUN
iiclr-25065	117	71	laws	law	NOUN
iiclr-25065	117	72	or	or	CCONJ
iiclr-25065	117	73	specific	specific	ADJ
iiclr-25065	117	74	industries	industry	NOUN
iiclr-25065	117	75	can	can	AUX
iiclr-25065	117	76	intervene	intervene	VERB
iiclr-25065	117	77	to	to	PART
iiclr-25065	117	78	require	require	VERB
iiclr-25065	117	79	traders	trader	NOUN
iiclr-25065	117	80	to	to	PART
iiclr-25065	117	81	recompense	recompense	VERB
iiclr-25065	117	82	harmed	harm	VERB
iiclr-25065	117	83	consumers.37	consumers.37	NOUN
iiclr-25065	117	84	one	one	NUM
iiclr-25065	117	85	example	example	NOUN
iiclr-25065	117	86	of	of	ADP
iiclr-25065	117	87	such	such	DET
iiclr-25065	117	88	an	an	DET
iiclr-25065	117	89	administrative	administrative	ADJ
iiclr-25065	117	90	authority	authority	NOUN
iiclr-25065	117	91	is	be	AUX
iiclr-25065	117	92	the	the	DET
iiclr-25065	117	93	public	public	ADJ
iiclr-25065	117	94	official	official	NOUN
iiclr-25065	117	95	responsible	responsible	ADJ
iiclr-25065	117	96	for	for	ADP
iiclr-25065	117	97	consumer	consumer	NOUN
iiclr-25065	117	98	law	law	NOUN
iiclr-25065	117	99	enforcement	enforcement	NOUN
iiclr-25065	117	100	,	,	PUNCT
iiclr-25065	117	101	such	such	ADJ
iiclr-25065	117	102	as	as	ADP
iiclr-25065	117	103	the	the	DET
iiclr-25065	117	104	consumer	consumer	NOUN
iiclr-25065	117	105	ombudsman	ombudsman	NOUN
iiclr-25065	117	106	in	in	ADP
iiclr-25065	117	107	nordic	nordic	ADJ
iiclr-25065	117	108	countries	country	NOUN
iiclr-25065	117	109	:	:	PUNCT
iiclr-25065	117	110	denmark	denmark	PROPN
iiclr-25065	117	111	,	,	PUNCT
iiclr-25065	117	112	finland	finland	PROPN
iiclr-25065	117	113	,	,	PUNCT
iiclr-25065	117	114	norway	norway	PROPN
iiclr-25065	117	115	,	,	PUNCT
iiclr-25065	117	116	and	and	CCONJ
iiclr-25065	117	117	sweden.38	sweden.38	NOUN
iiclr-25065	117	118	in	in	ADP
iiclr-25065	117	119	these	these	DET
iiclr-25065	117	120	nations	nation	NOUN
iiclr-25065	117	121	,	,	PUNCT
iiclr-25065	117	122	the	the	DET
iiclr-25065	117	123	administrative	administrative	ADJ
iiclr-25065	117	124	authority	authority	NOUN
iiclr-25065	117	125	can	can	AUX
iiclr-25065	117	126	bring	bring	VERB
iiclr-25065	117	127	a	a	DET
iiclr-25065	117	128	case	case	NOUN
iiclr-25065	117	129	to	to	ADP
iiclr-25065	117	130	the	the	DET
iiclr-25065	117	131	court	court	NOUN
iiclr-25065	117	132	to	to	PART
iiclr-25065	117	133	seek	seek	VERB
iiclr-25065	117	134	collective	collective	ADJ
iiclr-25065	117	135	redress.39	redress.39	NOUN
iiclr-25065	117	136	other	other	ADJ
iiclr-25065	117	137	nations	nation	NOUN
iiclr-25065	117	138	have	have	VERB
iiclr-25065	117	139	sector	sector	NOUN
iiclr-25065	117	140	-	-	PUNCT
iiclr-25065	117	141	based	base	VERB
iiclr-25065	117	142	administrative	administrative	ADJ
iiclr-25065	117	143	authorities	authority	NOUN
iiclr-25065	117	144	that	that	PRON
iiclr-25065	117	145	can	can	AUX
iiclr-25065	117	146	intervene	intervene	VERB
iiclr-25065	117	147	to	to	PART
iiclr-25065	117	148	seek	seek	VERB
iiclr-25065	117	149	consumer	consumer	NOUN
iiclr-25065	117	150	redress	redress	NOUN
iiclr-25065	117	151	.	.	PUNCT
iiclr-25065	118	1	the	the	DET
iiclr-25065	118	2	financial	financial	ADJ
iiclr-25065	118	3	regulators	regulator	NOUN
iiclr-25065	118	4	who	who	PRON
iiclr-25065	118	5	hold	hold	VERB
iiclr-25065	118	6	this	this	DET
iiclr-25065	118	7	role	role	NOUN
iiclr-25065	118	8	appear	appear	VERB
iiclr-25065	118	9	in	in	ADP
iiclr-25065	118	10	this	this	DET
iiclr-25065	118	11	paper	paper	NOUN
iiclr-25065	118	12	’s	’s	PART
iiclr-25065	118	13	case	case	NOUN
iiclr-25065	118	14	studies	study	NOUN
iiclr-25065	118	15	.	.	PUNCT
iiclr-25065	119	1	this	this	DET
iiclr-25065	119	2	paper	paper	NOUN
iiclr-25065	119	3	deliberately	deliberately	ADV
iiclr-25065	119	4	uses	use	VERB
iiclr-25065	119	5	“	"	PUNCT
iiclr-25065	119	6	intervention	intervention	NOUN
iiclr-25065	119	7	”	"	PUNCT
iiclr-25065	119	8	in	in	ADP
iiclr-25065	119	9	its	its	PRON
iiclr-25065	119	10	broadest	broad	ADJ
iiclr-25065	119	11	sense	sense	NOUN
iiclr-25065	119	12	to	to	PART
iiclr-25065	119	13	encompass	encompass	VERB
iiclr-25065	119	14	the	the	DET
iiclr-25065	119	15	variety	variety	NOUN
iiclr-25065	119	16	of	of	ADP
iiclr-25065	119	17	redress	redress	NOUN
iiclr-25065	119	18	schemes	scheme	NOUN
iiclr-25065	119	19	that	that	PRON
iiclr-25065	119	20	exist	exist	VERB
iiclr-25065	119	21	globally	globally	ADV
iiclr-25065	119	22	.	.	PUNCT
iiclr-25065	120	1	borrowing	borrow	VERB
iiclr-25065	120	2	from	from	ADP
iiclr-25065	120	3	the	the	DET
iiclr-25065	120	4	typology	typology	NOUN
iiclr-25065	120	5	of	of	ADP
iiclr-25065	120	6	christopher	christopher	PROPN
iiclr-25065	120	7	hodges	hodges	PROPN
iiclr-25065	120	8	&	&	CCONJ
iiclr-25065	120	9	stefaan	stefaan	VERB
iiclr-25065	120	10	voet	voet	VERB
iiclr-25065	120	11	in	in	ADP
iiclr-25065	120	12	delivering	deliver	VERB
iiclr-25065	120	13	collective	collective	ADJ
iiclr-25065	120	14	redress	redress	NOUN
iiclr-25065	120	15	:	:	PUNCT
iiclr-25065	120	16	new	new	ADJ
iiclr-25065	120	17	technology	technology	NOUN
iiclr-25065	120	18	regulatory	regulatory	ADJ
iiclr-25065	120	19	power	power	NOUN
iiclr-25065	120	20	includes	include	VERB
iiclr-25065	120	21	“	"	PUNCT
iiclr-25065	120	22	soft	soft	ADJ
iiclr-25065	120	23	”	"	PUNCT
iiclr-25065	120	24	influence	influence	NOUN
iiclr-25065	120	25	–	–	PUNCT
iiclr-25065	120	26	approval	approval	NOUN
iiclr-25065	120	27	–	–	PUNCT
iiclr-25065	120	28	and	and	CCONJ
iiclr-25065	120	29	“	"	PUNCT
iiclr-25065	120	30	hard	hard	ADJ
iiclr-25065	120	31	”	"	PUNCT
iiclr-25065	120	32	influence	influence	NOUN
iiclr-25065	120	33	–	–	PUNCT
iiclr-25065	120	34	coercion.40	coercion.40	ADP
iiclr-25065	120	35	soft	soft	ADJ
iiclr-25065	120	36	influence	influence	NOUN
iiclr-25065	120	37	exists	exist	VERB
iiclr-25065	120	38	where	where	SCONJ
iiclr-25065	120	39	a	a	DET
iiclr-25065	120	40	public	public	ADJ
iiclr-25065	120	41	authority	authority	NOUN
iiclr-25065	120	42	might	might	AUX
iiclr-25065	120	43	be	be	AUX
iiclr-25065	120	44	able	able	ADJ
iiclr-25065	120	45	to	to	PART
iiclr-25065	120	46	persuade	persuade	VERB
iiclr-25065	120	47	,	,	PUNCT
iiclr-25065	120	48	conciliate	conciliate	VERB
iiclr-25065	120	49	,	,	PUNCT
iiclr-25065	120	50	or	or	CCONJ
iiclr-25065	120	51	mediate	mediate	VERB
iiclr-25065	120	52	redress.41	redress.41	PROPN
iiclr-25065	120	53	this	this	DET
iiclr-25065	120	54	public	public	ADJ
iiclr-25065	120	55	authority	authority	NOUN
iiclr-25065	120	56	might	might	AUX
iiclr-25065	120	57	have	have	VERB
iiclr-25065	120	58	formal	formal	ADJ
iiclr-25065	120	59	enforcement	enforcement	NOUN
iiclr-25065	120	60	powers	power	NOUN
iiclr-25065	120	61	that	that	PRON
iiclr-25065	120	62	indirectly	indirectly	ADV
iiclr-25065	120	63	influence	influence	VERB
iiclr-25065	120	64	the	the	DET
iiclr-25065	120	65	payer	payer	NOUN
iiclr-25065	120	66	to	to	PART
iiclr-25065	120	67	rectify	rectify	VERB
iiclr-25065	120	68	the	the	DET
iiclr-25065	120	69	harm	harm	NOUN
iiclr-25065	120	70	that	that	SCONJ
iiclr-25065	120	71	it	it	PRON
iiclr-25065	120	72	has	have	VERB
iiclr-25065	120	73	caused.42	caused.42	NOUN
iiclr-25065	120	74	making	make	VERB
iiclr-25065	120	75	voluntary	voluntary	ADJ
iiclr-25065	120	76	redress	redress	NOUN
iiclr-25065	120	77	could	could	AUX
iiclr-25065	120	78	34	34	NUM
iiclr-25065	120	79	.	.	PUNCT
iiclr-25065	121	1	hodges	hodges	PROPN
iiclr-25065	121	2	&	&	CCONJ
iiclr-25065	121	3	voet	voet	PROPN
iiclr-25065	121	4	,	,	PUNCT
iiclr-25065	121	5	supra	supra	PROPN
iiclr-25065	121	6	note	note	NOUN
iiclr-25065	121	7	1	1	NUM
iiclr-25065	121	8	,	,	PUNCT
iiclr-25065	121	9	at	at	ADP
iiclr-25065	121	10	153	153	NUM
iiclr-25065	121	11	uses	use	VERB
iiclr-25065	121	12	the	the	DET
iiclr-25065	121	13	phrase	phrase	NOUN
iiclr-25065	121	14	“	"	PUNCT
iiclr-25065	121	15	intervention	intervention	NOUN
iiclr-25065	121	16	of	of	ADP
iiclr-25065	121	17	a	a	DET
iiclr-25065	121	18	public	public	ADJ
iiclr-25065	121	19	authority	authority	NOUN
iiclr-25065	121	20	”	"	PUNCT
iiclr-25065	121	21	in	in	ADP
iiclr-25065	121	22	defining	define	VERB
iiclr-25065	121	23	regulatory	regulatory	ADJ
iiclr-25065	121	24	redress	redress	NOUN
iiclr-25065	121	25	(	(	PUNCT
iiclr-25065	121	26	emphasis	emphasis	NOUN
iiclr-25065	121	27	added	add	VERB
iiclr-25065	121	28	)	)	PUNCT
iiclr-25065	121	29	.	.	PUNCT
iiclr-25065	122	1	to	to	PART
iiclr-25065	122	2	differentiate	differentiate	VERB
iiclr-25065	122	3	from	from	ADP
iiclr-25065	122	4	courts	court	NOUN
iiclr-25065	122	5	,	,	PUNCT
iiclr-25065	122	6	this	this	DET
iiclr-25065	122	7	paper	paper	NOUN
iiclr-25065	122	8	intentionally	intentionally	ADV
iiclr-25065	122	9	uses	use	VERB
iiclr-25065	122	10	the	the	DET
iiclr-25065	122	11	term	term	NOUN
iiclr-25065	122	12	“	"	PUNCT
iiclr-25065	122	13	administrative	administrative	ADJ
iiclr-25065	122	14	authority	authority	NOUN
iiclr-25065	122	15	”	"	PUNCT
iiclr-25065	122	16	as	as	ADP
iiclr-25065	122	17	a	a	DET
iiclr-25065	122	18	way	way	NOUN
iiclr-25065	122	19	to	to	PART
iiclr-25065	122	20	clarify	clarify	VERB
iiclr-25065	122	21	the	the	DET
iiclr-25065	122	22	exclusion	exclusion	NOUN
iiclr-25065	122	23	of	of	ADP
iiclr-25065	122	24	in	in	ADP
iiclr-25065	122	25	-	-	PUNCT
iiclr-25065	122	26	court	court	NOUN
iiclr-25065	122	27	remedies	remedy	NOUN
iiclr-25065	122	28	from	from	ADP
iiclr-25065	122	29	the	the	DET
iiclr-25065	122	30	term	term	NOUN
iiclr-25065	122	31	of	of	ADP
iiclr-25065	122	32	“	"	PUNCT
iiclr-25065	122	33	mass	mass	ADJ
iiclr-25065	122	34	regulatory	regulatory	ADJ
iiclr-25065	122	35	redress	redress	NOUN
iiclr-25065	122	36	.	.	PUNCT
iiclr-25065	122	37	”	"	PUNCT
iiclr-25065	123	1	35	35	NUM
iiclr-25065	123	2	.	.	PUNCT
iiclr-25065	124	1	the	the	DET
iiclr-25065	124	2	case	case	NOUN
iiclr-25065	124	3	studies	study	NOUN
iiclr-25065	124	4	on	on	ADP
iiclr-25065	124	5	the	the	DET
iiclr-25065	124	6	u.s	u.s	PROPN
iiclr-25065	124	7	.	.	PROPN
iiclr-25065	124	8	,	,	PUNCT
iiclr-25065	124	9	the	the	DET
iiclr-25065	124	10	u.k	u.k	PROPN
iiclr-25065	124	11	.	.	PROPN
iiclr-25065	124	12	,	,	PUNCT
iiclr-25065	124	13	and	and	CCONJ
iiclr-25065	124	14	south	south	PROPN
iiclr-25065	124	15	korea	korea	PROPN
iiclr-25065	124	16	set	set	VERB
iiclr-25065	124	17	forth	forth	ADP
iiclr-25065	124	18	in	in	ADP
iiclr-25065	124	19	this	this	DET
iiclr-25065	124	20	paper	paper	NOUN
iiclr-25065	124	21	exemplifies	exemplify	VERB
iiclr-25065	124	22	this	this	DET
iiclr-25065	124	23	phenomenon	phenomenon	NOUN
iiclr-25065	124	24	.	.	PUNCT
iiclr-25065	125	1	see	see	VERB
iiclr-25065	125	2	hodges	hodges	PROPN
iiclr-25065	125	3	&	&	CCONJ
iiclr-25065	125	4	voet	voet	PROPN
iiclr-25065	125	5	,	,	PUNCT
iiclr-25065	125	6	supra	supra	PROPN
iiclr-25065	125	7	note	note	NOUN
iiclr-25065	125	8	1	1	NUM
iiclr-25065	125	9	,	,	PUNCT
iiclr-25065	125	10	at	at	ADP
iiclr-25065	125	11	153	153	NUM
iiclr-25065	125	12	-	-	SYM
iiclr-25065	125	13	210	210	NUM
iiclr-25065	125	14	.	.	PUNCT
iiclr-25065	126	1	36	36	NUM
iiclr-25065	126	2	.	.	PUNCT
iiclr-25065	127	1	as	as	ADP
iiclr-25065	127	2	per	per	ADP
iiclr-25065	127	3	the	the	DET
iiclr-25065	127	4	united	united	PROPN
iiclr-25065	127	5	nations	nations	PROPN
iiclr-25065	127	6	guidelines	guideline	NOUN
iiclr-25065	127	7	for	for	ADP
iiclr-25065	127	8	consumer	consumer	NOUN
iiclr-25065	127	9	protection	protection	NOUN
iiclr-25065	127	10	,	,	PUNCT
iiclr-25065	127	11	which	which	PRON
iiclr-25065	127	12	provide	provide	VERB
iiclr-25065	127	13	:	:	PUNCT
iiclr-25065	127	14	governments	government	NOUN
iiclr-25065	127	15	should	should	AUX
iiclr-25065	127	16	establish	establish	VERB
iiclr-25065	127	17	or	or	CCONJ
iiclr-25065	127	18	maintain	maintain	VERB
iiclr-25065	127	19	legal	legal	ADJ
iiclr-25065	127	20	and/or	and/or	CCONJ
iiclr-25065	127	21	administrative	administrative	ADJ
iiclr-25065	127	22	measures	measure	NOUN
iiclr-25065	127	23	to	to	PART
iiclr-25065	127	24	enable	enable	VERB
iiclr-25065	127	25	consumers	consumer	NOUN
iiclr-25065	127	26	or	or	CCONJ
iiclr-25065	127	27	,	,	PUNCT
iiclr-25065	127	28	as	as	ADP
iiclr-25065	127	29	appropriate	appropriate	ADJ
iiclr-25065	127	30	,	,	PUNCT
iiclr-25065	127	31	relevant	relevant	ADJ
iiclr-25065	127	32	organizations	organization	NOUN
iiclr-25065	127	33	to	to	PART
iiclr-25065	127	34	obtain	obtain	VERB
iiclr-25065	127	35	redress	redress	NOUN
iiclr-25065	127	36	through	through	ADP
iiclr-25065	127	37	formal	formal	ADJ
iiclr-25065	127	38	or	or	CCONJ
iiclr-25065	127	39	informal	informal	ADJ
iiclr-25065	127	40	procedures	procedure	NOUN
iiclr-25065	127	41	that	that	PRON
iiclr-25065	127	42	are	be	AUX
iiclr-25065	127	43	expeditious	expeditious	ADJ
iiclr-25065	127	44	,	,	PUNCT
iiclr-25065	127	45	fair	fair	ADJ
iiclr-25065	127	46	,	,	PUNCT
iiclr-25065	127	47	inexpensive	inexpensive	ADJ
iiclr-25065	127	48	,	,	PUNCT
iiclr-25065	127	49	and	and	CCONJ
iiclr-25065	127	50	accessible	accessible	ADJ
iiclr-25065	127	51	.	.	PUNCT
iiclr-25065	128	1	37	37	X
iiclr-25065	128	2	.	.	PUNCT
iiclr-25065	129	1	hodges	hodges	PROPN
iiclr-25065	129	2	&	&	CCONJ
iiclr-25065	129	3	voet	voet	PROPN
iiclr-25065	129	4	,	,	PUNCT
iiclr-25065	129	5	supra	supra	PROPN
iiclr-25065	129	6	note	note	NOUN
iiclr-25065	129	7	1	1	NUM
iiclr-25065	129	8	,	,	PUNCT
iiclr-25065	129	9	at	at	ADP
iiclr-25065	129	10	153	153	NUM
iiclr-25065	129	11	.	.	PUNCT
iiclr-25065	129	12	38	38	NUM
iiclr-25065	129	13	.	.	PUNCT
iiclr-25065	130	1	i	i	PRON
iiclr-25065	130	2	d.	d.	PROPN
iiclr-25065	130	3	at	at	ADP
iiclr-25065	130	4	160	160	NUM
iiclr-25065	130	5	.	.	NOUN
iiclr-25065	130	6	39	39	NUM
iiclr-25065	130	7	.	.	PUNCT
iiclr-25065	131	1	i	i	PRON
iiclr-25065	131	2	d.	d.	PROPN
iiclr-25065	131	3	at	at	ADP
iiclr-25065	131	4	153	153	NUM
iiclr-25065	131	5	.	.	PUNCT
iiclr-25065	131	6	40	40	NUM
iiclr-25065	131	7	.	.	PUNCT
iiclr-25065	132	1	i	i	PRON
iiclr-25065	132	2	d.	d.	PROPN
iiclr-25065	132	3	at	at	ADP
iiclr-25065	132	4	154	154	NUM
iiclr-25065	132	5	.	.	PUNCT
iiclr-25065	133	1	(	(	PUNCT
iiclr-25065	133	2	as	as	SCONJ
iiclr-25065	133	3	seen	see	VERB
iiclr-25065	133	4	below	below	ADV
iiclr-25065	133	5	,	,	PUNCT
iiclr-25065	133	6	this	this	PRON
iiclr-25065	133	7	would	would	AUX
iiclr-25065	133	8	be	be	AUX
iiclr-25065	133	9	the	the	DET
iiclr-25065	133	10	case	case	NOUN
iiclr-25065	133	11	for	for	ADP
iiclr-25065	133	12	most	most	ADJ
iiclr-25065	133	13	financial	financial	ADJ
iiclr-25065	133	14	authorities	authority	NOUN
iiclr-25065	133	15	)	)	PUNCT
iiclr-25065	133	16	.	.	PUNCT
iiclr-25065	134	1	41	41	NUM
iiclr-25065	134	2	.	.	PUNCT
iiclr-25065	135	1	i	i	PRON
iiclr-25065	135	2	d.	d.	PROPN
iiclr-25065	135	3	42	42	NUM
iiclr-25065	135	4	.	.	PUNCT
iiclr-25065	136	1	i	i	PRON
iiclr-25065	136	2	d.	d.	PROPN
iiclr-25065	136	3	2019	2019	NUM
iiclr-25065	136	4	]	]	PUNCT
iiclr-25065	136	5	toward	toward	ADP
iiclr-25065	136	6	regulatory	regulatory	ADJ
iiclr-25065	136	7	mass	mass	NOUN
iiclr-25065	136	8	redress	redress	NOUN
iiclr-25065	136	9	schemes	scheme	NOUN
iiclr-25065	136	10	105	105	NUM
iiclr-25065	136	11	potentially	potentially	ADV
iiclr-25065	136	12	reduce	reduce	VERB
iiclr-25065	136	13	the	the	DET
iiclr-25065	136	14	likelihood	likelihood	NOUN
iiclr-25065	136	15	and	and	CCONJ
iiclr-25065	136	16	magnitude	magnitude	NOUN
iiclr-25065	136	17	of	of	ADP
iiclr-25065	136	18	a	a	DET
iiclr-25065	136	19	formal	formal	ADJ
iiclr-25065	136	20	enforcement	enforcement	NOUN
iiclr-25065	136	21	action	action	NOUN
iiclr-25065	136	22	or	or	CCONJ
iiclr-25065	136	23	criminal	criminal	ADJ
iiclr-25065	136	24	penalty	penalty	NOUN
iiclr-25065	136	25	against	against	ADP
iiclr-25065	136	26	the	the	DET
iiclr-25065	136	27	perpetrator.43	perpetrator.43	NOUN
iiclr-25065	136	28	the	the	DET
iiclr-25065	136	29	second	second	ADJ
iiclr-25065	136	30	type	type	NOUN
iiclr-25065	136	31	of	of	ADP
iiclr-25065	136	32	regulatory	regulatory	ADJ
iiclr-25065	136	33	intervention	intervention	NOUN
iiclr-25065	136	34	can	can	AUX
iiclr-25065	136	35	come	come	VERB
iiclr-25065	136	36	in	in	ADP
iiclr-25065	136	37	the	the	DET
iiclr-25065	136	38	form	form	NOUN
iiclr-25065	136	39	of	of	ADP
iiclr-25065	136	40	the	the	DET
iiclr-25065	136	41	approval	approval	NOUN
iiclr-25065	136	42	of	of	ADP
iiclr-25065	136	43	a	a	DET
iiclr-25065	136	44	public	public	ADJ
iiclr-25065	136	45	authority	authority	NOUN
iiclr-25065	136	46	or	or	CCONJ
iiclr-25065	136	47	the	the	DET
iiclr-25065	136	48	court	court	NOUN
iiclr-25065	136	49	.	.	PUNCT
iiclr-25065	137	1	the	the	DET
iiclr-25065	137	2	u.k	u.k	PROPN
iiclr-25065	137	3	.	.	PROPN
iiclr-25065	137	4	financial	financial	ADJ
iiclr-25065	137	5	conduct	conduct	NOUN
iiclr-25065	137	6	authority	authority	NOUN
iiclr-25065	137	7	’s	’s	PART
iiclr-25065	137	8	approval	approval	NOUN
iiclr-25065	137	9	for	for	ADP
iiclr-25065	137	10	a	a	DET
iiclr-25065	137	11	redress	redress	NOUN
iiclr-25065	137	12	scheme	scheme	NOUN
iiclr-25065	137	13	is	be	AUX
iiclr-25065	137	14	an	an	DET
iiclr-25065	137	15	example	example	NOUN
iiclr-25065	137	16	of	of	ADP
iiclr-25065	137	17	this	this	DET
iiclr-25065	137	18	kind	kind	NOUN
iiclr-25065	137	19	of	of	ADP
iiclr-25065	137	20	intervention.44	intervention.44	NOUN
iiclr-25065	137	21	a	a	DET
iiclr-25065	137	22	public	public	ADJ
iiclr-25065	137	23	authority	authority	NOUN
iiclr-25065	137	24	-	-	PUNCT
iiclr-25065	137	25	approved	approve	VERB
iiclr-25065	137	26	scheme	scheme	NOUN
iiclr-25065	137	27	has	have	VERB
iiclr-25065	137	28	the	the	DET
iiclr-25065	137	29	particular	particular	ADJ
iiclr-25065	137	30	advantage	advantage	NOUN
iiclr-25065	137	31	of	of	ADP
iiclr-25065	137	32	ensuring	ensure	VERB
iiclr-25065	137	33	autonomy	autonomy	NOUN
iiclr-25065	137	34	,	,	PUNCT
iiclr-25065	137	35	flexibility	flexibility	NOUN
iiclr-25065	137	36	,	,	PUNCT
iiclr-25065	137	37	and	and	CCONJ
iiclr-25065	137	38	speed	speed	NOUN
iiclr-25065	137	39	,	,	PUNCT
iiclr-25065	137	40	while	while	SCONJ
iiclr-25065	137	41	also	also	ADV
iiclr-25065	137	42	scrutinizing	scrutinize	VERB
iiclr-25065	137	43	the	the	DET
iiclr-25065	137	44	fairness	fairness	NOUN
iiclr-25065	137	45	of	of	ADP
iiclr-25065	137	46	the	the	DET
iiclr-25065	137	47	redress	redress	NOUN
iiclr-25065	137	48	terms.45	terms.45	PROPN
iiclr-25065	137	49	settlement	settlement	NOUN
iiclr-25065	137	50	or	or	CCONJ
iiclr-25065	137	51	an	an	DET
iiclr-25065	137	52	agreement	agreement	NOUN
iiclr-25065	137	53	between	between	ADP
iiclr-25065	137	54	the	the	DET
iiclr-25065	137	55	regulated	regulated	ADJ
iiclr-25065	137	56	entity	entity	NOUN
iiclr-25065	137	57	and	and	CCONJ
iiclr-25065	137	58	the	the	DET
iiclr-25065	137	59	public	public	ADJ
iiclr-25065	137	60	authority	authority	NOUN
iiclr-25065	137	61	on	on	ADP
iiclr-25065	137	62	consumer	consumer	NOUN
iiclr-25065	137	63	redress	redress	NOUN
iiclr-25065	137	64	also	also	ADV
iiclr-25065	137	65	falls	fall	VERB
iiclr-25065	137	66	under	under	ADP
iiclr-25065	137	67	the	the	DET
iiclr-25065	137	68	“	"	PUNCT
iiclr-25065	137	69	approval	approval	NOUN
iiclr-25065	137	70	”	"	PUNCT
iiclr-25065	137	71	category	category	NOUN
iiclr-25065	137	72	of	of	ADP
iiclr-25065	137	73	regulatory	regulatory	ADJ
iiclr-25065	137	74	intervention	intervention	NOUN
iiclr-25065	137	75	.	.	PUNCT
iiclr-25065	138	1	finally	finally	ADV
iiclr-25065	138	2	,	,	PUNCT
iiclr-25065	138	3	the	the	DET
iiclr-25065	138	4	third	third	ADJ
iiclr-25065	138	5	type	type	NOUN
iiclr-25065	138	6	of	of	ADP
iiclr-25065	138	7	regulatory	regulatory	ADJ
iiclr-25065	138	8	intervention	intervention	NOUN
iiclr-25065	138	9	is	be	AUX
iiclr-25065	138	10	“	"	PUNCT
iiclr-25065	138	11	hard	hard	ADJ
iiclr-25065	138	12	”	"	PUNCT
iiclr-25065	138	13	enforcement	enforcement	NOUN
iiclr-25065	138	14	or	or	CCONJ
iiclr-25065	138	15	“	"	PUNCT
iiclr-25065	138	16	coercion	coercion	NOUN
iiclr-25065	138	17	,	,	PUNCT
iiclr-25065	138	18	”	"	PUNCT
iiclr-25065	138	19	where	where	SCONJ
iiclr-25065	138	20	a	a	DET
iiclr-25065	138	21	public	public	ADJ
iiclr-25065	138	22	authority	authority	NOUN
iiclr-25065	138	23	requires	require	VERB
iiclr-25065	138	24	a	a	DET
iiclr-25065	138	25	redress	redress	NOUN
iiclr-25065	138	26	scheme	scheme	NOUN
iiclr-25065	138	27	.	.	PUNCT
iiclr-25065	139	1	an	an	DET
iiclr-25065	139	2	obvious	obvious	ADJ
iiclr-25065	139	3	case	case	NOUN
iiclr-25065	139	4	would	would	AUX
iiclr-25065	139	5	be	be	AUX
iiclr-25065	139	6	where	where	SCONJ
iiclr-25065	139	7	the	the	DET
iiclr-25065	139	8	authority	authority	NOUN
iiclr-25065	139	9	orders	order	VERB
iiclr-25065	139	10	a	a	DET
iiclr-25065	139	11	person	person	NOUN
iiclr-25065	139	12	or	or	CCONJ
iiclr-25065	139	13	a	a	DET
iiclr-25065	139	14	company	company	NOUN
iiclr-25065	139	15	to	to	PART
iiclr-25065	139	16	compensate	compensate	VERB
iiclr-25065	139	17	the	the	DET
iiclr-25065	139	18	injured	injure	VERB
iiclr-25065	139	19	party.46	party.46	NOUN
iiclr-25065	139	20	one	one	NUM
iiclr-25065	139	21	example	example	NOUN
iiclr-25065	139	22	of	of	ADP
iiclr-25065	139	23	this	this	PRON
iiclr-25065	139	24	is	be	AUX
iiclr-25065	139	25	the	the	DET
iiclr-25065	139	26	fca	fca	PROPN
iiclr-25065	139	27	’s	’s	PART
iiclr-25065	139	28	power	power	NOUN
iiclr-25065	139	29	to	to	PART
iiclr-25065	139	30	compel	compel	VERB
iiclr-25065	139	31	firms	firm	NOUN
iiclr-25065	139	32	to	to	PART
iiclr-25065	139	33	initiate	initiate	VERB
iiclr-25065	139	34	and	and	CCONJ
iiclr-25065	139	35	administer	administer	VERB
iiclr-25065	139	36	mandatory	mandatory	ADJ
iiclr-25065	139	37	consumer	consumer	NOUN
iiclr-25065	139	38	redress	redress	NOUN
iiclr-25065	139	39	schemes	scheme	NOUN
iiclr-25065	139	40	under	under	ADP
iiclr-25065	139	41	s404	s404	PROPN
iiclr-25065	139	42	of	of	ADP
iiclr-25065	139	43	the	the	DET
iiclr-25065	139	44	financial	financial	ADJ
iiclr-25065	139	45	services	service	NOUN
iiclr-25065	139	46	and	and	CCONJ
iiclr-25065	139	47	market	market	NOUN
iiclr-25065	139	48	act	act	NOUN
iiclr-25065	139	49	(	(	PUNCT
iiclr-25065	139	50	fsma	fsma	NOUN
iiclr-25065	139	51	)	)	PUNCT
iiclr-25065	139	52	.	.	PUNCT
iiclr-25065	140	1	another	another	DET
iiclr-25065	140	2	example	example	NOUN
iiclr-25065	140	3	is	be	AUX
iiclr-25065	140	4	the	the	DET
iiclr-25065	140	5	consumer	consumer	NOUN
iiclr-25065	140	6	ombudsman	ombudsman	NOUN
iiclr-25065	140	7	of	of	ADP
iiclr-25065	140	8	denmark	denmark	PROPN
iiclr-25065	140	9	’s	’s	PART
iiclr-25065	140	10	ability	ability	NOUN
iiclr-25065	140	11	to	to	PART
iiclr-25065	140	12	initiate	initiate	VERB
iiclr-25065	140	13	a	a	DET
iiclr-25065	140	14	class	class	NOUN
iiclr-25065	140	15	action	action	NOUN
iiclr-25065	140	16	on	on	ADP
iiclr-25065	140	17	behalf	behalf	NOUN
iiclr-25065	140	18	of	of	ADP
iiclr-25065	140	19	consumers.47	consumers.47	PROPN
iiclr-25065	140	20	as	as	SCONJ
iiclr-25065	140	21	the	the	DET
iiclr-25065	140	22	case	case	NOUN
iiclr-25065	140	23	studies	study	NOUN
iiclr-25065	140	24	below	below	ADV
iiclr-25065	140	25	will	will	AUX
iiclr-25065	140	26	demonstrate	demonstrate	VERB
iiclr-25065	140	27	,	,	PUNCT
iiclr-25065	140	28	in	in	ADP
iiclr-25065	140	29	real	real	ADJ
iiclr-25065	140	30	world	world	NOUN
iiclr-25065	140	31	cases	case	VERB
iiclr-25065	140	32	the	the	DET
iiclr-25065	140	33	typology	typology	NOUN
iiclr-25065	140	34	is	be	AUX
iiclr-25065	140	35	not	not	PART
iiclr-25065	140	36	always	always	ADV
iiclr-25065	140	37	clear	clear	ADJ
iiclr-25065	140	38	;	;	PUNCT
iiclr-25065	140	39	sometimes	sometimes	ADV
iiclr-25065	140	40	regulators	regulator	NOUN
iiclr-25065	140	41	employ	employ	VERB
iiclr-25065	140	42	several	several	ADJ
iiclr-25065	140	43	mechanisms	mechanism	NOUN
iiclr-25065	140	44	at	at	ADP
iiclr-25065	140	45	the	the	DET
iiclr-25065	140	46	same	same	ADJ
iiclr-25065	140	47	time	time	NOUN
iiclr-25065	140	48	.	.	PUNCT
iiclr-25065	141	1	nonetheless	nonetheless	ADV
iiclr-25065	141	2	,	,	PUNCT
iiclr-25065	141	3	distinguishing	distinguish	VERB
iiclr-25065	141	4	the	the	DET
iiclr-25065	141	5	range	range	NOUN
iiclr-25065	141	6	of	of	ADP
iiclr-25065	141	7	options	option	NOUN
iiclr-25065	141	8	available	available	ADJ
iiclr-25065	141	9	to	to	ADP
iiclr-25065	141	10	the	the	DET
iiclr-25065	141	11	relevant	relevant	ADJ
iiclr-25065	141	12	authorities	authority	NOUN
iiclr-25065	141	13	enhances	enhance	VERB
iiclr-25065	141	14	the	the	DET
iiclr-25065	141	15	understanding	understanding	NOUN
iiclr-25065	141	16	and	and	CCONJ
iiclr-25065	141	17	allows	allow	VERB
iiclr-25065	141	18	comparative	comparative	ADJ
iiclr-25065	141	19	evaluation	evaluation	NOUN
iiclr-25065	141	20	of	of	ADP
iiclr-25065	141	21	the	the	DET
iiclr-25065	141	22	different	different	ADJ
iiclr-25065	141	23	redress	redress	NOUN
iiclr-25065	141	24	mechanisms	mechanism	NOUN
iiclr-25065	141	25	used	use	VERB
iiclr-25065	141	26	in	in	ADP
iiclr-25065	141	27	different	different	ADJ
iiclr-25065	141	28	nations	nation	NOUN
iiclr-25065	141	29	.	.	PUNCT
iiclr-25065	142	1	iii	iii	X
iiclr-25065	142	2	.	.	PUNCT
iiclr-25065	142	3	case	case	NOUN
iiclr-25065	142	4	studies	study	NOUN
iiclr-25065	142	5	:	:	PUNCT
iiclr-25065	142	6	recent	recent	ADJ
iiclr-25065	142	7	regulatory	regulatory	ADJ
iiclr-25065	142	8	mass	mass	NOUN
iiclr-25065	142	9	redress	redress	NOUN
iiclr-25065	142	10	schemes	scheme	NOUN
iiclr-25065	142	11	a.	a.	NOUN
iiclr-25065	142	12	the	the	DET
iiclr-25065	142	13	united	united	PROPN
iiclr-25065	142	14	kingdom	kingdom	PROPN
iiclr-25065	142	15	the	the	DET
iiclr-25065	142	16	u.k	u.k	PROPN
iiclr-25065	142	17	.	.	PROPN
iiclr-25065	142	18	has	have	AUX
iiclr-25065	142	19	seen	see	VERB
iiclr-25065	142	20	an	an	DET
iiclr-25065	142	21	increasing	increase	VERB
iiclr-25065	142	22	preference	preference	NOUN
iiclr-25065	142	23	for	for	ADP
iiclr-25065	142	24	alternative	alternative	ADJ
iiclr-25065	142	25	means	mean	NOUN
iiclr-25065	142	26	of	of	ADP
iiclr-25065	142	27	collective	collective	ADJ
iiclr-25065	142	28	redress	redress	NOUN
iiclr-25065	142	29	instead	instead	ADV
iiclr-25065	142	30	of	of	ADP
iiclr-25065	142	31	litigation	litigation	NOUN
iiclr-25065	142	32	.	.	PUNCT
iiclr-25065	143	1	the	the	DET
iiclr-25065	143	2	country	country	NOUN
iiclr-25065	143	3	has	have	AUX
iiclr-25065	143	4	instituted	institute	VERB
iiclr-25065	143	5	a	a	DET
iiclr-25065	143	6	robust	robust	ADJ
iiclr-25065	143	7	regulatory	regulatory	ADJ
iiclr-25065	143	8	redress	redress	NOUN
iiclr-25065	143	9	scheme	scheme	NOUN
iiclr-25065	143	10	,	,	PUNCT
iiclr-25065	143	11	which	which	PRON
iiclr-25065	143	12	proved	prove	VERB
iiclr-25065	143	13	its	its	PRON
iiclr-25065	143	14	worth	worth	NOUN
iiclr-25065	143	15	in	in	ADP
iiclr-25065	143	16	the	the	DET
iiclr-25065	143	17	case	case	NOUN
iiclr-25065	143	18	of	of	ADP
iiclr-25065	143	19	mis	mis	PROPN
iiclr-25065	143	20	-	-	PUNCT
iiclr-25065	143	21	sold	sell	VERB
iiclr-25065	143	22	ppi	ppi	NOUN
iiclr-25065	143	23	insurance	insurance	NOUN
iiclr-25065	143	24	.	.	PUNCT
iiclr-25065	144	1	this	this	DET
iiclr-25065	144	2	scandal	scandal	NOUN
iiclr-25065	144	3	was	be	AUX
iiclr-25065	144	4	the	the	DET
iiclr-25065	144	5	largest	large	ADJ
iiclr-25065	144	6	in	in	ADP
iiclr-25065	144	7	the	the	DET
iiclr-25065	144	8	nation	nation	NOUN
iiclr-25065	144	9	’s	’s	PART
iiclr-25065	144	10	history	history	NOUN
iiclr-25065	144	11	.	.	PUNCT
iiclr-25065	145	1	since	since	SCONJ
iiclr-25065	145	2	2011	2011	NUM
iiclr-25065	145	3	,	,	PUNCT
iiclr-25065	145	4	people	people	NOUN
iiclr-25065	145	5	who	who	PRON
iiclr-25065	145	6	complained	complain	VERB
iiclr-25065	145	7	about	about	ADP
iiclr-25065	145	8	mis	mi	NOUN
iiclr-25065	145	9	-	-	PUNCT
iiclr-25065	145	10	sold	sell	VERB
iiclr-25065	145	11	ppis	ppis	NOUN
iiclr-25065	145	12	have	have	AUX
iiclr-25065	145	13	received	receive	VERB
iiclr-25065	145	14	about	about	ADP
iiclr-25065	145	15	£	£	SYM
iiclr-25065	145	16	34	34	NUM
iiclr-25065	145	17	billion	billion	NUM
iiclr-25065	145	18	in	in	ADP
iiclr-25065	145	19	recompense.48	recompense.48	PROPN
iiclr-25065	145	20	the	the	DET
iiclr-25065	145	21	fca	fca	PROPN
iiclr-25065	145	22	set	set	NOUN
iiclr-25065	145	23	august	august	PROPN
iiclr-25065	145	24	19	19	NUM
iiclr-25065	145	25	,	,	PUNCT
iiclr-25065	145	26	2019	2019	NUM
iiclr-25065	145	27	,	,	PUNCT
iiclr-25065	145	28	as	as	ADP
iiclr-25065	145	29	the	the	DET
iiclr-25065	145	30	deadline	deadline	NOUN
iiclr-25065	145	31	for	for	ADP
iiclr-25065	145	32	complaints49	complaints49	NOUN
iiclr-25065	145	33	which	which	PRON
iiclr-25065	145	34	has	have	AUX
iiclr-25065	145	35	passed	pass	VERB
iiclr-25065	145	36	at	at	ADP
iiclr-25065	145	37	the	the	DET
iiclr-25065	145	38	time	time	NOUN
iiclr-25065	145	39	of	of	ADP
iiclr-25065	145	40	this	this	DET
iiclr-25065	145	41	writing	writing	NOUN
iiclr-25065	145	42	,	,	PUNCT
iiclr-25065	145	43	however	however	ADV
iiclr-25065	145	44	,	,	PUNCT
iiclr-25065	145	45	the	the	DET
iiclr-25065	145	46	fca	fca	PROPN
iiclr-25065	145	47	has	have	VERB
iiclr-25065	145	48	yet	yet	ADV
iiclr-25065	145	49	to	to	PART
iiclr-25065	145	50	publish	publish	VERB
iiclr-25065	145	51	43	43	NUM
iiclr-25065	145	52	.	.	PUNCT
iiclr-25065	146	1	hodges	hodges	PROPN
iiclr-25065	146	2	&	&	CCONJ
iiclr-25065	146	3	voet	voet	PROPN
iiclr-25065	146	4	,	,	PUNCT
iiclr-25065	146	5	supra	supra	PROPN
iiclr-25065	146	6	note	note	NOUN
iiclr-25065	146	7	1	1	NUM
iiclr-25065	146	8	,	,	PUNCT
iiclr-25065	146	9	at	at	ADP
iiclr-25065	146	10	154	154	NUM
iiclr-25065	146	11	.	.	PUNCT
iiclr-25065	146	12	44	44	NUM
iiclr-25065	146	13	.	.	PUNCT
iiclr-25065	147	1	i	i	PRON
iiclr-25065	147	2	d.	d.	PROPN
iiclr-25065	147	3	at	at	ADP
iiclr-25065	147	4	155	155	NUM
iiclr-25065	147	5	.	.	PUNCT
iiclr-25065	147	6	45	45	NUM
iiclr-25065	147	7	.	.	PUNCT
iiclr-25065	148	1	i	i	PRON
iiclr-25065	148	2	d.	d.	PROPN
iiclr-25065	148	3	at	at	ADP
iiclr-25065	148	4	156	156	NUM
iiclr-25065	148	5	.	.	PUNCT
iiclr-25065	149	1	46	46	NUM
iiclr-25065	149	2	.	.	PUNCT
iiclr-25065	150	1	i	i	PRON
iiclr-25065	150	2	d.	d.	PROPN
iiclr-25065	150	3	at	at	ADP
iiclr-25065	150	4	157	157	NUM
iiclr-25065	150	5	.	.	PUNCT
iiclr-25065	151	1	47	47	NUM
iiclr-25065	151	2	.	.	PUNCT
iiclr-25065	152	1	i	i	PRON
iiclr-25065	152	2	d.	d.	PROPN
iiclr-25065	152	3	48	48	NUM
iiclr-25065	152	4	.	.	PUNCT
iiclr-25065	153	1	monthly	monthly	ADJ
iiclr-25065	153	2	ppi	ppi	NOUN
iiclr-25065	153	3	refunds	refund	NOUN
iiclr-25065	153	4	and	and	CCONJ
iiclr-25065	153	5	compensation	compensation	NOUN
iiclr-25065	153	6	,	,	PUNCT
iiclr-25065	153	7	financial	financial	ADJ
iiclr-25065	153	8	conduct	conduct	NOUN
iiclr-25065	153	9	authority	authority	NOUN
iiclr-25065	153	10	,	,	PUNCT
iiclr-25065	153	11	https://www.fca.org.uk/data/monthly-ppi-refunds-and-compensation	https://www.fca.org.uk/data/monthly-ppi-refunds-and-compensation	NOUN
iiclr-25065	154	1	[	[	X
iiclr-25065	154	2	https://perma.cc/f5htxltm	https://perma.cc/f5htxltm	X
iiclr-25065	154	3	]	]	X
iiclr-25065	154	4	(	(	PUNCT
iiclr-25065	154	5	archived	archive	VERB
iiclr-25065	154	6	aug	aug	PROPN
iiclr-25065	154	7	.	.	PROPN
iiclr-25065	154	8	18	18	NUM
iiclr-25065	154	9	,	,	PUNCT
iiclr-25065	154	10	2019	2019	NUM
iiclr-25065	154	11	)	)	PUNCT
iiclr-25065	154	12	.	.	PUNCT
iiclr-25065	155	1	49	49	NUM
iiclr-25065	155	2	.	.	PUNCT
iiclr-25065	156	1	i	i	PRON
iiclr-25065	156	2	d.	d.	PROPN
iiclr-25065	156	3	https://www.fca.org.uk/data/monthly-ppi-refunds-and-compensation	https://www.fca.org.uk/data/monthly-ppi-refunds-and-compensation	PROPN
iiclr-25065	156	4	indiana	indiana	PROPN
iiclr-25065	156	5	int’l	int’l	PROPN
iiclr-25065	156	6	&	&	CCONJ
iiclr-25065	156	7	comp	comp	PROPN
iiclr-25065	156	8	.	.	PUNCT
iiclr-25065	157	1	law	law	NOUN
iiclr-25065	157	2	review	review	NOUN
iiclr-25065	158	1	[	[	X
iiclr-25065	158	2	vol	vol	NOUN
iiclr-25065	158	3	.	.	PUNCT
iiclr-25065	158	4	30:99	30:99	NUM
iiclr-25065	158	5	106	106	NUM
iiclr-25065	158	6	the	the	DET
iiclr-25065	158	7	final	final	ADJ
iiclr-25065	158	8	report	report	NOUN
iiclr-25065	158	9	that	that	PRON
iiclr-25065	158	10	will	will	AUX
iiclr-25065	158	11	provide	provide	VERB
iiclr-25065	158	12	a	a	DET
iiclr-25065	158	13	definitive	definitive	ADJ
iiclr-25065	158	14	review	review	NOUN
iiclr-25065	158	15	of	of	ADP
iiclr-25065	158	16	the	the	DET
iiclr-25065	158	17	overall	overall	ADJ
iiclr-25065	158	18	impact	impact	NOUN
iiclr-25065	158	19	of	of	ADP
iiclr-25065	158	20	fca	fca	PROPN
iiclr-25065	158	21	’s	’s	PART
iiclr-25065	158	22	measures	measure	NOUN
iiclr-25065	158	23	and	and	CCONJ
iiclr-25065	158	24	draw	draw	VERB
iiclr-25065	158	25	the	the	DET
iiclr-25065	158	26	ppi	ppi	NOUN
iiclr-25065	158	27	issue	issue	NOUN
iiclr-25065	158	28	to	to	ADP
iiclr-25065	158	29	a	a	DET
iiclr-25065	158	30	close	close	NOUN
iiclr-25065	158	31	.	.	PUNCT
iiclr-25065	159	1	(	(	PUNCT
iiclr-25065	159	2	1	1	X
iiclr-25065	159	3	)	)	PUNCT
iiclr-25065	159	4	mis	mis	NOUN
iiclr-25065	159	5	-	-	PUNCT
iiclr-25065	159	6	selling	selling	NOUN
iiclr-25065	159	7	of	of	ADP
iiclr-25065	159	8	payment	payment	NOUN
iiclr-25065	159	9	protection	protection	NOUN
iiclr-25065	159	10	insurance	insurance	NOUN
iiclr-25065	159	11	(	(	PUNCT
iiclr-25065	159	12	ppi	ppi	NOUN
iiclr-25065	159	13	)	)	PUNCT
iiclr-25065	159	14	as	as	ADV
iiclr-25065	159	15	far	far	ADV
iiclr-25065	159	16	back	back	ADV
iiclr-25065	159	17	as	as	ADP
iiclr-25065	159	18	the	the	DET
iiclr-25065	159	19	1970s	1970	NOUN
iiclr-25065	159	20	,	,	PUNCT
iiclr-25065	159	21	but	but	CCONJ
iiclr-25065	159	22	mostly	mostly	ADV
iiclr-25065	159	23	between	between	ADP
iiclr-25065	159	24	1990	1990	NUM
iiclr-25065	159	25	and	and	CCONJ
iiclr-25065	159	26	2010	2010	NUM
iiclr-25065	159	27	,	,	PUNCT
iiclr-25065	159	28	banks	bank	NOUN
iiclr-25065	159	29	,	,	PUNCT
iiclr-25065	159	30	lenders	lender	NOUN
iiclr-25065	159	31	,	,	PUNCT
iiclr-25065	159	32	and	and	CCONJ
iiclr-25065	159	33	various	various	ADJ
iiclr-25065	159	34	providers	provider	NOUN
iiclr-25065	159	35	sold	sell	VERB
iiclr-25065	159	36	as	as	ADV
iiclr-25065	159	37	many	many	ADJ
iiclr-25065	159	38	as	as	ADP
iiclr-25065	159	39	64	64	NUM
iiclr-25065	159	40	million	million	NUM
iiclr-25065	159	41	payment	payment	NOUN
iiclr-25065	159	42	protection	protection	NOUN
iiclr-25065	159	43	insurance	insurance	NOUN
iiclr-25065	159	44	(	(	PUNCT
iiclr-25065	159	45	ppi	ppi	NOUN
iiclr-25065	159	46	)	)	PUNCT
iiclr-25065	159	47	policies	policy	NOUN
iiclr-25065	159	48	to	to	ADP
iiclr-25065	159	49	british	british	ADJ
iiclr-25065	159	50	consumers	consumer	NOUN
iiclr-25065	159	51	.	.	PUNCT
iiclr-25065	160	1	50	50	NUM
iiclr-25065	160	2	the	the	DET
iiclr-25065	160	3	sellers	seller	NOUN
iiclr-25065	160	4	bundled	bundle	VERB
iiclr-25065	160	5	ppi	ppi	NOUN
iiclr-25065	160	6	with	with	ADP
iiclr-25065	160	7	credit	credit	NOUN
iiclr-25065	160	8	products	product	NOUN
iiclr-25065	160	9	such	such	ADJ
iiclr-25065	160	10	as	as	ADP
iiclr-25065	160	11	loans	loan	NOUN
iiclr-25065	160	12	(	(	PUNCT
iiclr-25065	160	13	personal	personal	ADJ
iiclr-25065	160	14	loans	loan	NOUN
iiclr-25065	160	15	,	,	PUNCT
iiclr-25065	160	16	business	business	NOUN
iiclr-25065	160	17	loans	loan	NOUN
iiclr-25065	160	18	,	,	PUNCT
iiclr-25065	160	19	and	and	CCONJ
iiclr-25065	160	20	student	student	NOUN
iiclr-25065	160	21	loans	loan	NOUN
iiclr-25065	160	22	)	)	PUNCT
iiclr-25065	160	23	,	,	PUNCT
iiclr-25065	160	24	credit	credit	NOUN
iiclr-25065	160	25	cards	card	NOUN
iiclr-25065	160	26	,	,	PUNCT
iiclr-25065	160	27	store	store	NOUN
iiclr-25065	160	28	cards	card	NOUN
iiclr-25065	160	29	,	,	PUNCT
iiclr-25065	160	30	catalogue	catalogue	NOUN
iiclr-25065	160	31	credit	credit	NOUN
iiclr-25065	160	32	,	,	PUNCT
iiclr-25065	160	33	overdrafts	overdraft	NOUN
iiclr-25065	160	34	and	and	CCONJ
iiclr-25065	160	35	mortgages	mortgage	NOUN
iiclr-25065	160	36	,	,	PUNCT
iiclr-25065	160	37	loan	loan	NOUN
iiclr-25065	160	38	secured	secure	VERB
iiclr-25065	160	39	on	on	ADP
iiclr-25065	160	40	homes	home	NOUN
iiclr-25065	160	41	in	in	ADP
iiclr-25065	160	42	addition	addition	NOUN
iiclr-25065	160	43	to	to	ADP
iiclr-25065	160	44	the	the	DET
iiclr-25065	160	45	mortgage	mortgage	NOUN
iiclr-25065	160	46	,	,	PUNCT
iiclr-25065	160	47	home	home	NOUN
iiclr-25065	160	48	improvement	improvement	NOUN
iiclr-25065	160	49	loans	loan	NOUN
iiclr-25065	160	50	(	(	PUNCT
iiclr-25065	160	51	such	such	ADJ
iiclr-25065	160	52	as	as	ADP
iiclr-25065	160	53	for	for	ADP
iiclr-25065	160	54	remodeling	remodeling	NOUN
iiclr-25065	160	55	,	,	PUNCT
iiclr-25065	160	56	furniture	furniture	NOUN
iiclr-25065	160	57	,	,	PUNCT
iiclr-25065	160	58	car	car	NOUN
iiclr-25065	160	59	financing	financing	NOUN
iiclr-25065	160	60	or	or	CCONJ
iiclr-25065	160	61	something	something	PRON
iiclr-25065	160	62	bought	buy	VERB
iiclr-25065	160	63	on	on	ADP
iiclr-25065	160	64	credit	credit	NOUN
iiclr-25065	160	65	,	,	PUNCT
iiclr-25065	160	66	such	such	ADJ
iiclr-25065	160	67	as	as	ADP
iiclr-25065	160	68	a	a	DET
iiclr-25065	160	69	sofa	sofa	NOUN
iiclr-25065	160	70	–	–	PUNCT
iiclr-25065	160	71	this	this	PRON
iiclr-25065	160	72	may	may	AUX
iiclr-25065	160	73	have	have	AUX
iiclr-25065	160	74	been	be	AUX
iiclr-25065	160	75	called	call	VERB
iiclr-25065	160	76	a	a	DET
iiclr-25065	160	77	“	"	PUNCT
iiclr-25065	160	78	finance	finance	NOUN
iiclr-25065	160	79	agreement	agreement	NOUN
iiclr-25065	160	80	”	"	PUNCT
iiclr-25065	160	81	or	or	CCONJ
iiclr-25065	160	82	“	"	PUNCT
iiclr-25065	160	83	hire	hire	VERB
iiclr-25065	160	84	purchase	purchase	NOUN
iiclr-25065	160	85	.	.	PUNCT
iiclr-25065	160	86	”).51	”).51	PUNCT
iiclr-25065	161	1	sometimes	sometimes	ADV
iiclr-25065	161	2	a	a	DET
iiclr-25065	161	3	ppi	ppi	NOUN
iiclr-25065	161	4	came	come	VERB
iiclr-25065	161	5	as	as	ADP
iiclr-25065	161	6	a	a	DET
iiclr-25065	161	7	standalone	standalone	NOUN
iiclr-25065	161	8	product	product	NOUN
iiclr-25065	161	9	,	,	PUNCT
iiclr-25065	161	10	unrelated	unrelated	ADJ
iiclr-25065	161	11	to	to	ADP
iiclr-25065	161	12	a	a	DET
iiclr-25065	161	13	specific	specific	ADJ
iiclr-25065	161	14	type	type	NOUN
iiclr-25065	161	15	of	of	ADP
iiclr-25065	161	16	credit.52	credit.52	NOUN
iiclr-25065	161	17	the	the	DET
iiclr-25065	161	18	sellers	seller	NOUN
iiclr-25065	161	19	marketed	market	VERB
iiclr-25065	161	20	ppi	ppi	NOUN
iiclr-25065	161	21	under	under	ADP
iiclr-25065	161	22	different	different	ADJ
iiclr-25065	161	23	names	name	NOUN
iiclr-25065	161	24	,	,	PUNCT
iiclr-25065	161	25	such	such	ADJ
iiclr-25065	161	26	as	as	ADP
iiclr-25065	161	27	“	"	PUNCT
iiclr-25065	161	28	accident	accident	NOUN
iiclr-25065	161	29	,	,	PUNCT
iiclr-25065	161	30	sickness	sickness	NOUN
iiclr-25065	161	31	and	and	CCONJ
iiclr-25065	161	32	unemployment	unemployment	NOUN
iiclr-25065	161	33	(	(	PUNCT
iiclr-25065	161	34	asu	asu	PROPN
iiclr-25065	161	35	)	)	PUNCT
iiclr-25065	161	36	insurance	insurance	NOUN
iiclr-25065	161	37	,	,	PUNCT
iiclr-25065	161	38	”	"	PUNCT
iiclr-25065	161	39	“	"	PUNCT
iiclr-25065	161	40	account	account	NOUN
iiclr-25065	161	41	cover	cover	NOUN
iiclr-25065	161	42	,	,	PUNCT
iiclr-25065	161	43	”	"	PUNCT
iiclr-25065	161	44	“	"	PUNCT
iiclr-25065	161	45	credit	credit	NOUN
iiclr-25065	161	46	insurance	insurance	NOUN
iiclr-25065	161	47	,	,	PUNCT
iiclr-25065	161	48	”	"	PUNCT
iiclr-25065	161	49	“	"	PUNCT
iiclr-25065	161	50	credit	credit	NOUN
iiclr-25065	161	51	protection	protection	NOUN
iiclr-25065	161	52	,	,	PUNCT
iiclr-25065	161	53	”	"	PUNCT
iiclr-25065	161	54	“	"	PUNCT
iiclr-25065	161	55	loan	loan	NOUN
iiclr-25065	161	56	care	care	NOUN
iiclr-25065	161	57	,	,	PUNCT
iiclr-25065	161	58	”	"	PUNCT
iiclr-25065	161	59	“	"	PUNCT
iiclr-25065	161	60	loan	loan	NOUN
iiclr-25065	161	61	insurance	insurance	NOUN
iiclr-25065	161	62	,	,	PUNCT
iiclr-25065	161	63	”	"	PUNCT
iiclr-25065	161	64	“	"	PUNCT
iiclr-25065	161	65	loan	loan	NOUN
iiclr-25065	161	66	protection	protection	NOUN
iiclr-25065	161	67	,	,	PUNCT
iiclr-25065	161	68	”	"	PUNCT
iiclr-25065	161	69	“	"	PUNCT
iiclr-25065	161	70	loan	loan	NOUN
iiclr-25065	161	71	repayment	repayment	NOUN
iiclr-25065	161	72	insurance	insurance	NOUN
iiclr-25065	161	73	,	,	PUNCT
iiclr-25065	161	74	”	"	PUNCT
iiclr-25065	161	75	“	"	PUNCT
iiclr-25065	161	76	mortgage	mortgage	NOUN
iiclr-25065	161	77	payment	payment	NOUN
iiclr-25065	161	78	protection	protection	NOUN
iiclr-25065	161	79	insurance	insurance	NOUN
iiclr-25065	161	80	(	(	PUNCT
iiclr-25065	161	81	mppi	mppi	PROPN
iiclr-25065	161	82	)	)	PUNCT
iiclr-25065	161	83	,	,	PUNCT
iiclr-25065	161	84	”	"	PUNCT
iiclr-25065	161	85	“	"	PUNCT
iiclr-25065	161	86	payment	payment	NOUN
iiclr-25065	161	87	cover	cover	NOUN
iiclr-25065	161	88	,	,	PUNCT
iiclr-25065	161	89	”	"	PUNCT
iiclr-25065	161	90	and	and	CCONJ
iiclr-25065	161	91	“	"	PUNCT
iiclr-25065	161	92	protection	protection	NOUN
iiclr-25065	161	93	plan	plan	NOUN
iiclr-25065	161	94	.	.	PUNCT
iiclr-25065	162	1	”53	”53	ADJ
iiclr-25065	162	2	ppi	ppi	PROPN
iiclr-25065	162	3	was	be	AUX
iiclr-25065	162	4	mis	mi	NOUN
iiclr-25065	162	5	-	-	PUNCT
iiclr-25065	162	6	sold	sell	VERB
iiclr-25065	162	7	in	in	ADP
iiclr-25065	162	8	the	the	DET
iiclr-25065	162	9	following	following	ADJ
iiclr-25065	162	10	ways	way	NOUN
iiclr-25065	162	11	.	.	PUNCT
iiclr-25065	163	1	sometimes	sometimes	ADV
iiclr-25065	163	2	the	the	DET
iiclr-25065	163	3	seller	seller	NOUN
iiclr-25065	163	4	used	use	VERB
iiclr-25065	163	5	preticked	preticke	VERB
iiclr-25065	163	6	boxes	box	NOUN
iiclr-25065	163	7	,	,	PUNCT
iiclr-25065	163	8	in	in	ADP
iiclr-25065	163	9	policy	policy	NOUN
iiclr-25065	163	10	agreements	agreement	NOUN
iiclr-25065	163	11	so	so	SCONJ
iiclr-25065	163	12	the	the	DET
iiclr-25065	163	13	customer	customer	NOUN
iiclr-25065	163	14	did	do	AUX
iiclr-25065	163	15	not	not	PART
iiclr-25065	163	16	know	know	VERB
iiclr-25065	163	17	he	he	PRON
iiclr-25065	163	18	or	or	CCONJ
iiclr-25065	163	19	she	she	PRON
iiclr-25065	163	20	was	be	AUX
iiclr-25065	163	21	purchasing	purchase	VERB
iiclr-25065	163	22	ppi;54	ppi;54	ADJ
iiclr-25065	163	23	some	some	DET
iiclr-25065	163	24	customers	customer	NOUN
iiclr-25065	163	25	thought	think	VERB
iiclr-25065	163	26	the	the	DET
iiclr-25065	163	27	ppi	ppi	NOUN
iiclr-25065	163	28	was	be	AUX
iiclr-25065	163	29	compulsorythey	compulsorythey	PROPN
iiclr-25065	163	30	thought	think	VERB
iiclr-25065	163	31	that	that	SCONJ
iiclr-25065	163	32	they	they	PRON
iiclr-25065	163	33	could	could	AUX
iiclr-25065	163	34	not	not	PART
iiclr-25065	163	35	get	get	VERB
iiclr-25065	163	36	credit	credit	NOUN
iiclr-25065	163	37	unless	unless	SCONJ
iiclr-25065	163	38	they	they	PRON
iiclr-25065	163	39	purchased	purchase	VERB
iiclr-25065	163	40	ppi	ppi	NOUN
iiclr-25065	163	41	with	with	ADP
iiclr-25065	163	42	their	their	PRON
iiclr-25065	163	43	loans	loan	NOUN
iiclr-25065	163	44	;	;	PUNCT
iiclr-25065	163	45	55	55	NUM
iiclr-25065	163	46	in	in	ADP
iiclr-25065	163	47	some	some	DET
iiclr-25065	163	48	cases	case	NOUN
iiclr-25065	163	49	,	,	PUNCT
iiclr-25065	163	50	the	the	DET
iiclr-25065	163	51	sellers	seller	NOUN
iiclr-25065	163	52	did	do	AUX
iiclr-25065	163	53	not	not	PART
iiclr-25065	163	54	properly	properly	ADV
iiclr-25065	163	55	explain	explain	VERB
iiclr-25065	163	56	the	the	DET
iiclr-25065	163	57	terms	term	NOUN
iiclr-25065	163	58	and	and	CCONJ
iiclr-25065	163	59	conditions	condition	NOUN
iiclr-25065	163	60	of	of	ADP
iiclr-25065	163	61	ppi;56	ppi;56	NOUN
iiclr-25065	163	62	the	the	DET
iiclr-25065	163	63	commission	commission	NOUN
iiclr-25065	163	64	associated	associate	VERB
iiclr-25065	163	65	with	with	ADP
iiclr-25065	163	66	the	the	DET
iiclr-25065	163	67	ppi	ppi	NOUN
iiclr-25065	163	68	and	and	CCONJ
iiclr-25065	163	69	included	include	VERB
iiclr-25065	163	70	in	in	ADP
iiclr-25065	163	71	its	its	PRON
iiclr-25065	163	72	cost	cost	NOUN
iiclr-25065	163	73	was	be	AUX
iiclr-25065	163	74	unfair.57	unfair.57	PROPN
iiclr-25065	163	75	sometimes	sometimes	ADV
iiclr-25065	163	76	ppi	ppi	NOUN
iiclr-25065	163	77	policies	policy	NOUN
iiclr-25065	163	78	were	be	AUX
iiclr-25065	163	79	unnecessary	unnecessary	ADJ
iiclr-25065	163	80	or	or	CCONJ
iiclr-25065	163	81	unsuitable	unsuitable	ADJ
iiclr-25065	163	82	for	for	ADP
iiclr-25065	163	83	the	the	DET
iiclr-25065	163	84	consumer	consumer	NOUN
iiclr-25065	163	85	because	because	SCONJ
iiclr-25065	163	86	the	the	DET
iiclr-25065	163	87	consumer	consumer	NOUN
iiclr-25065	163	88	was	be	AUX
iiclr-25065	163	89	ineligible	ineligible	ADJ
iiclr-25065	163	90	to	to	PART
iiclr-25065	163	91	claim	claim	VERB
iiclr-25065	163	92	the	the	DET
iiclr-25065	163	93	benefits	benefit	NOUN
iiclr-25065	163	94	payable	payable	ADJ
iiclr-25065	163	95	under	under	ADP
iiclr-25065	163	96	the	the	DET
iiclr-25065	163	97	policy	policy	NOUN
iiclr-25065	163	98	or	or	CCONJ
iiclr-25065	163	99	was	be	AUX
iiclr-25065	163	100	unlikely	unlikely	ADJ
iiclr-25065	163	101	to	to	PART
iiclr-25065	163	102	need	need	VERB
iiclr-25065	163	103	the	the	DET
iiclr-25065	163	104	protection.58	protection.58	PROPN
iiclr-25065	163	105	50	50	NUM
iiclr-25065	163	106	.	.	PUNCT
iiclr-25065	164	1	payment	payment	NOUN
iiclr-25065	164	2	protection	protection	NOUN
iiclr-25065	164	3	insurance	insurance	NOUN
iiclr-25065	164	4	explained	explain	VERB
iiclr-25065	164	5	,	,	PUNCT
iiclr-25065	164	6	financial	financial	ADJ
iiclr-25065	164	7	conduct	conduct	NOUN
iiclr-25065	164	8	authority	authority	NOUN
iiclr-25065	164	9	,	,	PUNCT
iiclr-25065	164	10	(	(	PUNCT
iiclr-25065	164	11	apr	apr	PROPN
iiclr-25065	164	12	.	.	PROPN
iiclr-25065	164	13	29	29	NUM
iiclr-25065	164	14	,	,	PUNCT
iiclr-25065	164	15	2019	2019	NUM
iiclr-25065	164	16	)	)	PUNCT
iiclr-25065	164	17	https://www.fca.org.uk/ppi/ppi-explained	https://www.fca.org.uk/ppi/ppi-explaine	VERB
iiclr-25065	165	1	[	[	X
iiclr-25065	165	2	https://perma.cc/7epr-cnpq	https://perma.cc/7epr-cnpq	X
iiclr-25065	165	3	]	]	PUNCT
iiclr-25065	165	4	;	;	PUNCT
iiclr-25065	165	5	see	see	VERB
iiclr-25065	165	6	also	also	ADV
iiclr-25065	165	7	national	national	ADJ
iiclr-25065	165	8	audit	audit	NOUN
iiclr-25065	165	9	office	office	NOUN
iiclr-25065	165	10	,	,	PUNCT
iiclr-25065	165	11	financial	financial	ADJ
iiclr-25065	165	12	services	service	NOUN
iiclr-25065	165	13	mis	mis	NOUN
iiclr-25065	165	14	-	-	PUNCT
iiclr-25065	165	15	selling	selling	NOUN
iiclr-25065	165	16	:	:	PUNCT
iiclr-25065	165	17	regulation	regulation	NOUN
iiclr-25065	165	18	and	and	CCONJ
iiclr-25065	165	19	redress	redress	NOUN
iiclr-25065	165	20	,	,	PUNCT
iiclr-25065	165	21	hc	hc	PROPN
iiclr-25065	165	22	paper	paper	NOUN
iiclr-25065	165	23	no	no	INTJ
iiclr-25065	165	24	.	.	PROPN
iiclr-25065	166	1	851	851	NUM
iiclr-25065	166	2	(	(	PUNCT
iiclr-25065	166	3	2016	2016	NUM
iiclr-25065	166	4	)	)	PUNCT
iiclr-25065	166	5	.	.	PUNCT
iiclr-25065	167	1	51	51	NUM
iiclr-25065	167	2	.	.	PUNCT
iiclr-25065	167	3	financial	financial	ADJ
iiclr-25065	167	4	conduct	conduct	NOUN
iiclr-25065	167	5	authority	authority	NOUN
iiclr-25065	167	6	,	,	PUNCT
iiclr-25065	167	7	supra	supra	PROPN
iiclr-25065	167	8	note	note	VERB
iiclr-25065	167	9	50	50	NUM
iiclr-25065	167	10	.	.	PUNCT
iiclr-25065	167	11	52	52	NUM
iiclr-25065	167	12	.	.	PUNCT
iiclr-25065	168	1	what	what	PRON
iiclr-25065	168	2	is	be	AUX
iiclr-25065	168	3	ppi	ppi	PRON
iiclr-25065	168	4	and	and	CCONJ
iiclr-25065	168	5	did	do	AUX
iiclr-25065	168	6	i	i	PRON
iiclr-25065	168	7	have	have	VERB
iiclr-25065	168	8	it	it	PRON
iiclr-25065	168	9	?	?	PUNCT
iiclr-25065	168	10	,	,	PUNCT
iiclr-25065	168	11	financial	financial	ADJ
iiclr-25065	168	12	ombudsman	ombudsman	NOUN
iiclr-25065	168	13	service	service	NOUN
iiclr-25065	168	14	,	,	PUNCT
iiclr-25065	168	15	https://www.financial-ombudsman.org.uk/businesses/complaints-deal/ppi/ppi	https://www.financial-ombudsman.org.uk/businesses/complaints-deal/ppi/ppi	PROPN
iiclr-25065	169	1	[	[	X
iiclr-25065	169	2	https://perma.cc/a3xg-9p8h	https://perma.cc/a3xg-9p8h	X
iiclr-25065	169	3	]	]	X
iiclr-25065	169	4	.	.	PUNCT
iiclr-25065	170	1	53	53	NUM
iiclr-25065	170	2	.	.	PUNCT
iiclr-25065	171	1	how	how	SCONJ
iiclr-25065	171	2	to	to	PART
iiclr-25065	171	3	check	check	VERB
iiclr-25065	171	4	if	if	SCONJ
iiclr-25065	171	5	you	you	PRON
iiclr-25065	171	6	had	have	VERB
iiclr-25065	171	7	ppi	ppi	PROPN
iiclr-25065	171	8	,	,	PUNCT
iiclr-25065	171	9	financial	financial	ADJ
iiclr-25065	171	10	conduct	conduct	NOUN
iiclr-25065	171	11	authority	authority	NOUN
iiclr-25065	171	12	(	(	PUNCT
iiclr-25065	171	13	aug	aug	PROPN
iiclr-25065	171	14	.	.	PROPN
iiclr-25065	171	15	7	7	NUM
iiclr-25065	171	16	,	,	PUNCT
iiclr-25065	171	17	2019	2019	NUM
iiclr-25065	171	18	)	)	PUNCT
iiclr-25065	171	19	,	,	PUNCT
iiclr-25065	171	20	https://www.fca.org.uk/ppi/how-to-check	https://www.fca.org.uk/ppi/how-to-check	PROPN
iiclr-25065	172	1	[	[	X
iiclr-25065	172	2	https://perma.cc/w662-f5hx	https://perma.cc/w662-f5hx	X
iiclr-25065	172	3	]	]	X
iiclr-25065	172	4	.	.	PUNCT
iiclr-25065	173	1	54	54	NUM
iiclr-25065	173	2	.	.	PUNCT
iiclr-25065	174	1	top	top	ADJ
iiclr-25065	174	2	five	five	NUM
iiclr-25065	174	3	mis	mi	NOUN
iiclr-25065	174	4	-	-	PUNCT
iiclr-25065	174	5	selling	sell	VERB
iiclr-25065	174	6	tactics	tactic	NOUN
iiclr-25065	174	7	,	,	PUNCT
iiclr-25065	174	8	which	which	PRON
iiclr-25065	174	9	?	?	PUNCT
iiclr-25065	174	10	,	,	PUNCT
iiclr-25065	174	11	https://www.which.co.uk/news/2011/05/topfive-ppi-mis-selling-tactics-253105/	https://www.which.co.uk/news/2011/05/topfive-ppi-mis-selling-tactics-253105/	NOUN
iiclr-25065	174	12	[	[	X
iiclr-25065	174	13	https://perma.cc/dz3a-74lz	https://perma.cc/dz3a-74lz	NOUN
iiclr-25065	174	14	]	]	X
iiclr-25065	174	15	.	.	PUNCT
iiclr-25065	175	1	55	55	NUM
iiclr-25065	175	2	.	.	PUNCT
iiclr-25065	176	1	i	i	PRON
iiclr-25065	176	2	d.	d.	PROPN
iiclr-25065	176	3	56	56	NUM
iiclr-25065	176	4	.	.	PUNCT
iiclr-25065	177	1	i	i	PRON
iiclr-25065	177	2	d.	d.	PROPN
iiclr-25065	177	3	for	for	ADP
iiclr-25065	177	4	example	example	NOUN
iiclr-25065	177	5	,	,	PUNCT
iiclr-25065	177	6	the	the	DET
iiclr-25065	177	7	customers	customer	NOUN
iiclr-25065	177	8	were	be	AUX
iiclr-25065	177	9	sold	sell	VERB
iiclr-25065	177	10	ppi	ppi	NOUN
iiclr-25065	177	11	even	even	ADV
iiclr-25065	177	12	when	when	SCONJ
iiclr-25065	177	13	they	they	PRON
iiclr-25065	177	14	had	have	AUX
iiclr-25065	177	15	pre	pre	VERB
iiclr-25065	177	16	-	-	ADJ
iiclr-25065	177	17	existing	exist	VERB
iiclr-25065	177	18	medical	medical	ADJ
iiclr-25065	177	19	conditions	condition	NOUN
iiclr-25065	177	20	which	which	PRON
iiclr-25065	177	21	was	be	AUX
iiclr-25065	177	22	a	a	DET
iiclr-25065	177	23	standard	standard	ADJ
iiclr-25065	177	24	exclusion	exclusion	NOUN
iiclr-25065	177	25	under	under	ADP
iiclr-25065	177	26	many	many	ADJ
iiclr-25065	177	27	insurance	insurance	NOUN
iiclr-25065	177	28	policies	policy	NOUN
iiclr-25065	177	29	.	.	PUNCT
iiclr-25065	178	1	57	57	NUM
iiclr-25065	178	2	.	.	X
iiclr-25065	178	3	ppi	ppi	PROPN
iiclr-25065	178	4	,	,	PUNCT
iiclr-25065	178	5	financial	financial	ADJ
iiclr-25065	178	6	ombudsman	ombudsman	NOUN
iiclr-25065	178	7	service	service	NOUN
iiclr-25065	178	8	,	,	PUNCT
iiclr-25065	178	9	https://www.financial-ombudsman.org	https://www.financial-ombudsman.org	X
iiclr-25065	178	10	.	.	PUNCT
iiclr-25065	179	1	uk	uk	PROPN
iiclr-25065	179	2	/	/	SYM
iiclr-25065	179	3	ppi/	ppi/	PROPN
iiclr-25065	179	4	what-is-ppi.html	what-is-ppi.html	NOUN
iiclr-25065	180	1	[	[	X
iiclr-25065	180	2	https://perma.cc/7d7k-h7mv	https://perma.cc/7d7k-h7mv	X
iiclr-25065	180	3	.	.	NOUN
iiclr-25065	180	4	58	58	NUM
iiclr-25065	180	5	.	.	PUNCT
iiclr-25065	181	1	i	i	PRON
iiclr-25065	181	2	d.	d.	PROPN
iiclr-25065	181	3	2019	2019	NUM
iiclr-25065	181	4	]	]	PUNCT
iiclr-25065	181	5	toward	toward	ADP
iiclr-25065	181	6	regulatory	regulatory	ADJ
iiclr-25065	181	7	mass	mass	NOUN
iiclr-25065	181	8	redress	redress	NOUN
iiclr-25065	181	9	schemes	scheme	NOUN
iiclr-25065	181	10	107	107	NUM
iiclr-25065	181	11	the	the	DET
iiclr-25065	181	12	combined	combine	VERB
iiclr-25065	181	13	effect	effect	NOUN
iiclr-25065	181	14	of	of	ADP
iiclr-25065	181	15	the	the	DET
iiclr-25065	181	16	long	long	ADJ
iiclr-25065	181	17	duration	duration	NOUN
iiclr-25065	181	18	of	of	ADP
iiclr-25065	181	19	the	the	DET
iiclr-25065	181	20	ppi	ppi	NOUN
iiclr-25065	181	21	sales	sale	NOUN
iiclr-25065	181	22	period	period	NOUN
iiclr-25065	181	23	,	,	PUNCT
iiclr-25065	181	24	the	the	DET
iiclr-25065	181	25	length	length	NOUN
iiclr-25065	181	26	of	of	ADP
iiclr-25065	181	27	time	time	NOUN
iiclr-25065	181	28	since	since	SCONJ
iiclr-25065	181	29	the	the	DET
iiclr-25065	181	30	products	product	NOUN
iiclr-25065	181	31	were	be	AUX
iiclr-25065	181	32	sold	sell	VERB
iiclr-25065	181	33	(	(	PUNCT
iiclr-25065	181	34	i.e.	i.e.	X
iiclr-25065	181	35	,	,	PUNCT
iiclr-25065	181	36	decades	decade	NOUN
iiclr-25065	181	37	in	in	ADP
iiclr-25065	181	38	some	some	DET
iiclr-25065	181	39	cases	case	NOUN
iiclr-25065	181	40	)	)	PUNCT
iiclr-25065	181	41	,	,	PUNCT
iiclr-25065	181	42	the	the	DET
iiclr-25065	181	43	variety	variety	NOUN
iiclr-25065	181	44	of	of	ADP
iiclr-25065	181	45	ppi	ppi	NOUN
iiclr-25065	181	46	-	-	PUNCT
iiclr-25065	181	47	related	relate	VERB
iiclr-25065	181	48	products	product	NOUN
iiclr-25065	181	49	and	and	CCONJ
iiclr-25065	181	50	sales	sale	NOUN
iiclr-25065	181	51	channels	channel	NOUN
iiclr-25065	181	52	,	,	PUNCT
iiclr-25065	181	53	the	the	DET
iiclr-25065	181	54	variations	variation	NOUN
iiclr-25065	181	55	of	of	ADP
iiclr-25065	181	56	how	how	SCONJ
iiclr-25065	181	57	ppi	ppi	NOUN
iiclr-25065	181	58	was	be	AUX
iiclr-25065	181	59	branded	brand	VERB
iiclr-25065	181	60	(	(	PUNCT
iiclr-25065	181	61	named	name	VERB
iiclr-25065	181	62	)	)	PUNCT
iiclr-25065	181	63	,	,	PUNCT
iiclr-25065	181	64	and	and	CCONJ
iiclr-25065	181	65	the	the	DET
iiclr-25065	181	66	unclear	unclear	ADJ
iiclr-25065	181	67	,	,	PUNCT
iiclr-25065	181	68	even	even	ADV
iiclr-25065	181	69	abusive	abusive	ADJ
iiclr-25065	181	70	nature	nature	NOUN
iiclr-25065	181	71	of	of	ADP
iiclr-25065	181	72	many	many	ADJ
iiclr-25065	181	73	of	of	ADP
iiclr-25065	181	74	ppi	ppi	NOUN
iiclr-25065	181	75	sales	sale	NOUN
iiclr-25065	181	76	was	be	AUX
iiclr-25065	181	77	detrimental	detrimental	ADJ
iiclr-25065	181	78	to	to	ADP
iiclr-25065	181	79	the	the	DET
iiclr-25065	181	80	purchasers	purchaser	NOUN
iiclr-25065	181	81	.	.	PUNCT
iiclr-25065	182	1	consumers	consumer	NOUN
iiclr-25065	182	2	were	be	AUX
iiclr-25065	182	3	often	often	ADV
iiclr-25065	182	4	unaware	unaware	ADJ
iiclr-25065	182	5	of	of	ADP
iiclr-25065	182	6	their	their	PRON
iiclr-25065	182	7	coverage	coverage	NOUN
iiclr-25065	182	8	or	or	CCONJ
iiclr-25065	182	9	unsure	unsure	ADJ
iiclr-25065	182	10	whether	whether	SCONJ
iiclr-25065	182	11	they	they	PRON
iiclr-25065	182	12	had	have	VERB
iiclr-25065	182	13	ppi	ppi	NOUN
iiclr-25065	182	14	,	,	PUNCT
iiclr-25065	182	15	and	and	CCONJ
iiclr-25065	182	16	lacked	lack	VERB
iiclr-25065	182	17	the	the	DET
iiclr-25065	182	18	relevant	relevant	ADJ
iiclr-25065	182	19	paperwork	paperwork	NOUN
iiclr-25065	182	20	or	or	CCONJ
iiclr-25065	182	21	statements	statement	NOUN
iiclr-25065	182	22	to	to	PART
iiclr-25065	182	23	check	check	VERB
iiclr-25065	182	24	on	on	ADP
iiclr-25065	182	25	their	their	PRON
iiclr-25065	182	26	status.59	status.59	NOUN
iiclr-25065	182	27	this	this	PRON
iiclr-25065	182	28	created	create	VERB
iiclr-25065	182	29	a	a	DET
iiclr-25065	182	30	significant	significant	ADJ
iiclr-25065	182	31	obstacle	obstacle	NOUN
iiclr-25065	182	32	for	for	ADP
iiclr-25065	182	33	mass	mass	ADJ
iiclr-25065	182	34	consumer	consumer	NOUN
iiclr-25065	182	35	redress	redress	NOUN
iiclr-25065	182	36	,	,	PUNCT
iiclr-25065	182	37	eventually	eventually	ADV
iiclr-25065	182	38	forcing	force	VERB
iiclr-25065	182	39	the	the	DET
iiclr-25065	182	40	fca	fca	PROPN
iiclr-25065	182	41	to	to	PART
iiclr-25065	182	42	lead	lead	VERB
iiclr-25065	182	43	a	a	DET
iiclr-25065	182	44	proactive	proactive	ADJ
iiclr-25065	182	45	large	large	ADJ
iiclr-25065	182	46	-	-	PUNCT
iiclr-25065	182	47	scale	scale	NOUN
iiclr-25065	182	48	communications	communication	NOUN
iiclr-25065	182	49	campaign	campaign	NOUN
iiclr-25065	182	50	that	that	PRON
iiclr-25065	182	51	involved	involve	VERB
iiclr-25065	182	52	advertising	advertising	NOUN
iiclr-25065	182	53	,	,	PUNCT
iiclr-25065	182	54	pr	pr	NOUN
iiclr-25065	182	55	,	,	PUNCT
iiclr-25065	182	56	social	social	ADJ
iiclr-25065	182	57	media	medium	NOUN
iiclr-25065	182	58	,	,	PUNCT
iiclr-25065	182	59	and	and	CCONJ
iiclr-25065	182	60	partners.60	partners.60	PROPN
iiclr-25065	182	61	(	(	PUNCT
iiclr-25065	182	62	2	2	NUM
iiclr-25065	182	63	)	)	PUNCT
iiclr-25065	182	64	regulator	regulator	NOUN
iiclr-25065	182	65	’s	’s	PART
iiclr-25065	182	66	response	response	NOUN
iiclr-25065	182	67	and	and	CCONJ
iiclr-25065	182	68	consumer	consumer	NOUN
iiclr-25065	182	69	redress	redress	NOUN
iiclr-25065	182	70	the	the	DET
iiclr-25065	182	71	magnitude	magnitude	NOUN
iiclr-25065	182	72	and	and	CCONJ
iiclr-25065	182	73	duration	duration	NOUN
iiclr-25065	182	74	of	of	ADP
iiclr-25065	182	75	ppi	ppi	PROPN
iiclr-25065	182	76	mis	mis	PROPN
iiclr-25065	182	77	-	-	PUNCT
iiclr-25065	182	78	selling	selling	NOUN
iiclr-25065	182	79	was	be	AUX
iiclr-25065	182	80	substantial	substantial	ADJ
iiclr-25065	182	81	.	.	PUNCT
iiclr-25065	183	1	the	the	DET
iiclr-25065	183	2	u.k	u.k	PROPN
iiclr-25065	183	3	.	.	PROPN
iiclr-25065	183	4	financial	financial	ADJ
iiclr-25065	183	5	authorities	authority	NOUN
iiclr-25065	183	6	’	'	PUNCT
iiclr-25065	183	7	efforts	effort	NOUN
iiclr-25065	183	8	to	to	PART
iiclr-25065	183	9	manage	manage	VERB
iiclr-25065	183	10	the	the	DET
iiclr-25065	183	11	intervention	intervention	NOUN
iiclr-25065	183	12	,	,	PUNCT
iiclr-25065	183	13	which	which	PRON
iiclr-25065	183	14	spans	span	VERB
iiclr-25065	183	15	over	over	ADP
iiclr-25065	183	16	two	two	NUM
iiclr-25065	183	17	decades	decade	NOUN
iiclr-25065	183	18	,	,	PUNCT
iiclr-25065	183	19	continue	continue	VERB
iiclr-25065	183	20	to	to	PART
iiclr-25065	183	21	evolve	evolve	VERB
iiclr-25065	183	22	.	.	PUNCT
iiclr-25065	184	1	overall	overall	ADV
iiclr-25065	184	2	,	,	PUNCT
iiclr-25065	184	3	the	the	DET
iiclr-25065	184	4	now	now	ADV
iiclr-25065	184	5	-	-	PUNCT
iiclr-25065	184	6	defunct	defunct	ADJ
iiclr-25065	184	7	financial	financial	ADJ
iiclr-25065	184	8	services	service	NOUN
iiclr-25065	184	9	authority	authority	NOUN
iiclr-25065	184	10	(	(	PUNCT
iiclr-25065	184	11	“	"	PUNCT
iiclr-25065	184	12	fsa	fsa	PROPN
iiclr-25065	184	13	”	"	PUNCT
iiclr-25065	184	14	)	)	PUNCT
iiclr-25065	184	15	and	and	CCONJ
iiclr-25065	184	16	its	its	PRON
iiclr-25065	184	17	successor	successor	NOUN
iiclr-25065	184	18	,	,	PUNCT
iiclr-25065	184	19	the	the	DET
iiclr-25065	184	20	fca	fca	PROPN
iiclr-25065	184	21	,	,	PUNCT
iiclr-25065	184	22	have	have	AUX
iiclr-25065	184	23	combined	combine	VERB
iiclr-25065	184	24	supervisory	supervisory	ADJ
iiclr-25065	184	25	and	and	CCONJ
iiclr-25065	184	26	regulatory	regulatory	ADJ
iiclr-25065	184	27	tools61	tools61	NOUN
iiclr-25065	184	28	and	and	CCONJ
iiclr-25065	184	29	formal	formal	ADJ
iiclr-25065	184	30	enforcement	enforcement	NOUN
iiclr-25065	184	31	actions	action	NOUN
iiclr-25065	184	32	(	(	PUNCT
iiclr-25065	184	33	i.e.	i.e.	X
iiclr-25065	184	34	,	,	PUNCT
iiclr-25065	184	35	fines	fine	NOUN
iiclr-25065	184	36	)	)	PUNCT
iiclr-25065	184	37	,	,	PUNCT
iiclr-25065	184	38	with	with	ADP
iiclr-25065	184	39	a	a	DET
iiclr-25065	184	40	system	system	NOUN
iiclr-25065	184	41	of	of	ADP
iiclr-25065	184	42	regulatory	regulatory	ADJ
iiclr-25065	184	43	redress	redress	NOUN
iiclr-25065	184	44	for	for	ADP
iiclr-25065	184	45	consumers	consumer	NOUN
iiclr-25065	184	46	.	.	PUNCT
iiclr-25065	185	1	the	the	DET
iiclr-25065	185	2	fsa	fsa	PROPN
iiclr-25065	185	3	,	,	PUNCT
iiclr-25065	185	4	which	which	PRON
iiclr-25065	185	5	regulated	regulate	VERB
iiclr-25065	185	6	financial	financial	ADJ
iiclr-25065	185	7	services	service	NOUN
iiclr-25065	185	8	until	until	ADP
iiclr-25065	185	9	april	april	PROPN
iiclr-25065	185	10	2013	2013	NUM
iiclr-25065	185	11	,	,	PUNCT
iiclr-25065	185	12	took	take	VERB
iiclr-25065	185	13	up	up	ADP
iiclr-25065	185	14	the	the	DET
iiclr-25065	185	15	mis	mis	NOUN
iiclr-25065	185	16	-	-	PUNCT
iiclr-25065	185	17	selling	selling	NOUN
iiclr-25065	185	18	of	of	ADP
iiclr-25065	185	19	ppi	ppi	PRON
iiclr-25065	185	20	as	as	ADV
iiclr-25065	185	21	soon	soon	ADV
iiclr-25065	185	22	as	as	SCONJ
iiclr-25065	185	23	it	it	PRON
iiclr-25065	185	24	assumed	assume	VERB
iiclr-25065	185	25	oversight	oversight	NOUN
iiclr-25065	185	26	of	of	ADP
iiclr-25065	185	27	the	the	DET
iiclr-25065	185	28	insurance	insurance	NOUN
iiclr-25065	185	29	business	business	NOUN
iiclr-25065	185	30	in	in	ADP
iiclr-25065	185	31	2005	2005	NUM
iiclr-25065	185	32	.	.	PUNCT
iiclr-25065	186	1	in	in	ADP
iiclr-25065	186	2	that	that	DET
iiclr-25065	186	3	first	first	ADJ
iiclr-25065	186	4	year	year	NOUN
iiclr-25065	186	5	,	,	PUNCT
iiclr-25065	186	6	the	the	DET
iiclr-25065	186	7	fsa	fsa	PROPN
iiclr-25065	186	8	immediately	immediately	ADV
iiclr-25065	186	9	conducted	conduct	VERB
iiclr-25065	186	10	a	a	DET
iiclr-25065	186	11	thematic	thematic	ADJ
iiclr-25065	186	12	review	review	NOUN
iiclr-25065	186	13	of	of	ADP
iiclr-25065	186	14	ppi	ppi	NOUN
iiclr-25065	186	15	sales	sale	NOUN
iiclr-25065	186	16	practices,62	practices,62	NOUN
iiclr-25065	186	17	and	and	CCONJ
iiclr-25065	186	18	in	in	ADP
iiclr-25065	186	19	2009	2009	NUM
iiclr-25065	186	20	it	it	PRON
iiclr-25065	186	21	banned	ban	VERB
iiclr-25065	186	22	firms	firm	NOUN
iiclr-25065	186	23	from	from	ADP
iiclr-25065	186	24	selling	sell	VERB
iiclr-25065	186	25	single	single	ADJ
iiclr-25065	186	26	premium	premium	NOUN
iiclr-25065	186	27	ppis.63	ppis.63	NOUN
iiclr-25065	186	28	from	from	ADP
iiclr-25065	186	29	2006	2006	NUM
iiclr-25065	186	30	to	to	ADP
iiclr-25065	186	31	2010	2010	NUM
iiclr-25065	186	32	the	the	DET
iiclr-25065	186	33	fsa	fsa	PROPN
iiclr-25065	186	34	imposed	impose	VERB
iiclr-25065	186	35	24	24	NUM
iiclr-25065	186	36	enforcement	enforcement	NOUN
iiclr-25065	186	37	actions	action	NOUN
iiclr-25065	186	38	against	against	ADP
iiclr-25065	186	39	the	the	DET
iiclr-25065	186	40	mis	mis	NOUN
iiclr-25065	186	41	-	-	PUNCT
iiclr-25065	186	42	selling	selling	NOUN
iiclr-25065	186	43	of	of	ADP
iiclr-25065	186	44	ppi	ppi	NOUN
iiclr-25065	186	45	,	,	PUNCT
iiclr-25065	186	46	with	with	ADP
iiclr-25065	186	47	fines	fine	NOUN
iiclr-25065	186	48	totaling	total	VERB
iiclr-25065	186	49	£	£	SYM
iiclr-25065	186	50	12.6	12.6	NUM
iiclr-25065	186	51	million.64	million.64	NOUN
iiclr-25065	186	52	working	work	VERB
iiclr-25065	186	53	in	in	ADP
iiclr-25065	186	54	cooperation	cooperation	NOUN
iiclr-25065	186	55	with	with	ADP
iiclr-25065	186	56	the	the	DET
iiclr-25065	186	57	fsa	fsa	PROPN
iiclr-25065	186	58	/	/	SYM
iiclr-25065	186	59	fca	fca	PROPN
iiclr-25065	186	60	,	,	PUNCT
iiclr-25065	186	61	the	the	DET
iiclr-25065	186	62	financial	financial	ADJ
iiclr-25065	186	63	ombudsman	ombudsman	NOUN
iiclr-25065	186	64	service	service	NOUN
iiclr-25065	186	65	(	(	PUNCT
iiclr-25065	186	66	“	"	PUNCT
iiclr-25065	186	67	fos	fos	NOUN
iiclr-25065	186	68	”	"	PUNCT
iiclr-25065	186	69	)	)	PUNCT
iiclr-25065	186	70	sought	seek	VERB
iiclr-25065	186	71	to	to	PART
iiclr-25065	186	72	resolve	resolve	VERB
iiclr-25065	186	73	individual	individual	ADJ
iiclr-25065	186	74	complaints	complaint	NOUN
iiclr-25065	186	75	between	between	ADP
iiclr-25065	186	76	consumers	consumer	NOUN
iiclr-25065	186	77	and	and	CCONJ
iiclr-25065	186	78	businesses	business	NOUN
iiclr-25065	186	79	.	.	PUNCT
iiclr-25065	187	1	in	in	ADP
iiclr-25065	187	2	principle	principle	NOUN
iiclr-25065	187	3	,	,	PUNCT
iiclr-25065	187	4	consumers	consumer	NOUN
iiclr-25065	187	5	first	first	ADV
iiclr-25065	187	6	had	have	VERB
iiclr-25065	187	7	to	to	PART
iiclr-25065	187	8	complain	complain	VERB
iiclr-25065	187	9	to	to	ADP
iiclr-25065	187	10	the	the	DET
iiclr-25065	187	11	financial	financial	ADJ
iiclr-25065	187	12	services	service	NOUN
iiclr-25065	187	13	firms	firm	NOUN
iiclr-25065	187	14	.	.	PUNCT
iiclr-25065	188	1	those	those	PRON
iiclr-25065	188	2	dissatisfied	dissatisfied	ADJ
iiclr-25065	188	3	with	with	ADP
iiclr-25065	188	4	the	the	DET
iiclr-25065	188	5	response	response	NOUN
iiclr-25065	188	6	could	could	AUX
iiclr-25065	188	7	then	then	ADV
iiclr-25065	188	8	bring	bring	VERB
iiclr-25065	188	9	the	the	DET
iiclr-25065	188	10	case	case	NOUN
iiclr-25065	188	11	to	to	ADP
iiclr-25065	188	12	59	59	NUM
iiclr-25065	188	13	.	.	PUNCT
iiclr-25065	189	1	financial	financial	ADJ
iiclr-25065	189	2	conduct	conduct	NOUN
iiclr-25065	189	3	authority	authority	NOUN
iiclr-25065	189	4	,	,	PUNCT
iiclr-25065	189	5	policy	policy	NOUN
iiclr-25065	189	6	statement	statement	NOUN
iiclr-25065	189	7	ps	ps	PROPN
iiclr-25065	189	8	17/3	17/3	NUM
iiclr-25065	189	9	:	:	PUNCT
iiclr-25065	189	10	payment	payment	NOUN
iiclr-25065	189	11	protection	protection	NOUN
iiclr-25065	189	12	insurance	insurance	NOUN
iiclr-25065	189	13	complaints	complaint	NOUN
iiclr-25065	189	14	:	:	PUNCT
iiclr-25065	189	15	feedback	feedback	NOUN
iiclr-25065	189	16	on	on	ADP
iiclr-25065	189	17	cp16/20	cp16/20	NOUN
iiclr-25065	189	18	and	and	CCONJ
iiclr-25065	189	19	final	final	ADJ
iiclr-25065	189	20	rules	rule	NOUN
iiclr-25065	189	21	and	and	CCONJ
iiclr-25065	189	22	guidance	guidance	VERB
iiclr-25065	189	23	23	23	NUM
iiclr-25065	189	24	(	(	PUNCT
iiclr-25065	189	25	2017	2017	NUM
iiclr-25065	189	26	)	)	PUNCT
iiclr-25065	189	27	,	,	PUNCT
iiclr-25065	189	28	https://www.fca.org.uk/publication/policy/ps17-03.pdf	https://www.fca.org.uk/publication/policy/ps17-03.pdf	NOUN
iiclr-25065	189	29	[	[	X
iiclr-25065	189	30	https://perma.cc/r5zq-czcu	https://perma.cc/r5zq-czcu	X
iiclr-25065	189	31	]	]	X
iiclr-25065	189	32	.	.	PUNCT
iiclr-25065	190	1	60	60	NUM
iiclr-25065	190	2	.	.	PUNCT
iiclr-25065	191	1	see	see	VERB
iiclr-25065	191	2	payment	payment	NOUN
iiclr-25065	191	3	protection	protection	NOUN
iiclr-25065	191	4	insurance	insurance	NOUN
iiclr-25065	191	5	complaints	complaint	NOUN
iiclr-25065	191	6	deadline	deadline	NOUN
iiclr-25065	191	7	progress	progress	NOUN
iiclr-25065	191	8	report	report	NOUN
iiclr-25065	191	9	,	,	PUNCT
iiclr-25065	191	10	financial	financial	ADJ
iiclr-25065	191	11	conduct	conduct	NOUN
iiclr-25065	191	12	authority	authority	NOUN
iiclr-25065	191	13	(	(	PUNCT
iiclr-25065	191	14	oct	oct	PROPN
iiclr-25065	191	15	.	.	PROPN
iiclr-25065	191	16	2018	2018	NUM
iiclr-25065	191	17	)	)	PUNCT
iiclr-25065	191	18	,	,	PUNCT
iiclr-25065	191	19	https://www.fca.org.uk/publication/corporate/ppi-complaintsdeadline-progress-report.pdf	https://www.fca.org.uk/publication/corporate/ppi-complaintsdeadline-progress-report.pdf	PROPN
iiclr-25065	192	1	[	[	X
iiclr-25065	192	2	https://perma.cc/p6a8-a3uf	https://perma.cc/p6a8-a3uf	X
iiclr-25065	192	3	]	]	X
iiclr-25065	192	4	.	.	PUNCT
iiclr-25065	193	1	61	61	NUM
iiclr-25065	193	2	.	.	PUNCT
iiclr-25065	194	1	see	see	VERB
iiclr-25065	194	2	ferran	ferran	NOUN
iiclr-25065	194	3	,	,	PUNCT
iiclr-25065	194	4	supra	supra	PROPN
iiclr-25065	194	5	note	note	PROPN
iiclr-25065	194	6	7	7	NUM
iiclr-25065	194	7	,	,	PUNCT
iiclr-25065	194	8	at	at	ADP
iiclr-25065	194	9	256	256	NUM
iiclr-25065	194	10	.	.	PUNCT
iiclr-25065	194	11	62	62	NUM
iiclr-25065	194	12	.	.	PUNCT
iiclr-25065	195	1	i	i	PRON
iiclr-25065	195	2	d.	d.	PROPN
iiclr-25065	195	3	at	at	ADP
iiclr-25065	195	4	255	255	NUM
iiclr-25065	195	5	(	(	PUNCT
iiclr-25065	195	6	citing	cite	VERB
iiclr-25065	195	7	fsa	fsa	PROPN
iiclr-25065	195	8	,	,	PUNCT
iiclr-25065	195	9	the	the	DET
iiclr-25065	195	10	sale	sale	NOUN
iiclr-25065	195	11	of	of	ADP
iiclr-25065	195	12	payment	payment	NOUN
iiclr-25065	195	13	protection	protection	NOUN
iiclr-25065	195	14	insurance	insurance	NOUN
iiclr-25065	195	15	:	:	PUNCT
iiclr-25065	195	16	results	result	NOUN
iiclr-25065	195	17	of	of	ADP
iiclr-25065	195	18	thematic	thematic	ADJ
iiclr-25065	195	19	work	work	NOUN
iiclr-25065	195	20	(	(	PUNCT
iiclr-25065	195	21	november	november	PROPN
iiclr-25065	195	22	2005	2005	NUM
iiclr-25065	195	23	)	)	PUNCT
iiclr-25065	195	24	;	;	PUNCT
iiclr-25065	195	25	fsa	fsa	PROPN
iiclr-25065	195	26	,	,	PUNCT
iiclr-25065	195	27	the	the	DET
iiclr-25065	195	28	sale	sale	NOUN
iiclr-25065	195	29	of	of	ADP
iiclr-25065	195	30	payment	payment	NOUN
iiclr-25065	195	31	protection	protection	NOUN
iiclr-25065	195	32	insurance	insurance	NOUN
iiclr-25065	195	33	:	:	PUNCT
iiclr-25065	195	34	mystery	mystery	NOUN
iiclr-25065	195	35	shopping	shopping	NOUN
iiclr-25065	195	36	results	result	NOUN
iiclr-25065	195	37	(	(	PUNCT
iiclr-25065	195	38	november	november	PROPN
iiclr-25065	195	39	2005	2005	NUM
iiclr-25065	195	40	)	)	PUNCT
iiclr-25065	195	41	)	)	PUNCT
iiclr-25065	195	42	.	.	PUNCT
iiclr-25065	196	1	63	63	NUM
iiclr-25065	196	2	.	.	PUNCT
iiclr-25065	197	1	i	i	PRON
iiclr-25065	197	2	d.	d.	PROPN
iiclr-25065	197	3	at	at	ADP
iiclr-25065	197	4	254	254	NUM
iiclr-25065	197	5	(	(	PUNCT
iiclr-25065	197	6	citing	cite	VERB
iiclr-25065	197	7	fsa	fsa	PROPN
iiclr-25065	197	8	,	,	PUNCT
iiclr-25065	197	9	update	update	NOUN
iiclr-25065	197	10	on	on	ADP
iiclr-25065	197	11	fsa	fsa	PROPN
iiclr-25065	197	12	work	work	PROPN
iiclr-25065	197	13	on	on	ADP
iiclr-25065	197	14	the	the	DET
iiclr-25065	197	15	sale	sale	NOUN
iiclr-25065	197	16	of	of	ADP
iiclr-25065	197	17	ppi	ppi	PROPN
iiclr-25065	197	18	,	,	PUNCT
iiclr-25065	197	19	(	(	PUNCT
iiclr-25065	197	20	fsa	fsa	PROPN
iiclr-25065	197	21	/	/	SYM
iiclr-25065	197	22	pn/012/2009	pn/012/2009	PROPN
iiclr-25065	197	23	,	,	PUNCT
iiclr-25065	197	24	20	20	NUM
iiclr-25065	197	25	january	january	NOUN
iiclr-25065	197	26	2009	2009	NUM
iiclr-25065	197	27	)	)	PUNCT
iiclr-25065	197	28	;	;	PUNCT
iiclr-25065	197	29	fsa	fsa	PROPN
iiclr-25065	197	30	,	,	PUNCT
iiclr-25065	197	31	fsa	fsa	PROPN
iiclr-25065	197	32	wants	want	VERB
iiclr-25065	197	33	all	all	DET
iiclr-25065	197	34	firms	firm	NOUN
iiclr-25065	197	35	to	to	PART
iiclr-25065	197	36	stop	stop	VERB
iiclr-25065	197	37	selling	sell	VERB
iiclr-25065	197	38	single	single	ADJ
iiclr-25065	197	39	premium	premium	NOUN
iiclr-25065	197	40	ppi	ppi	PROPN
iiclr-25065	197	41	(	(	PUNCT
iiclr-25065	197	42	fsa	fsa	PROPN
iiclr-25065	197	43	/	/	SYM
iiclr-25065	197	44	pn/031/2009	pn/031/2009	PROPN
iiclr-25065	197	45	,	,	PUNCT
iiclr-25065	197	46	24	24	NUM
iiclr-25065	197	47	february	february	PROPN
iiclr-25065	197	48	2009	2009	NUM
iiclr-25065	197	49	)	)	PUNCT
iiclr-25065	197	50	)	)	PUNCT
iiclr-25065	197	51	;	;	PUNCT
iiclr-25065	197	52	financial	financial	ADJ
iiclr-25065	197	53	ombudsman	ombudsman	NOUN
iiclr-25065	197	54	service	service	NOUN
iiclr-25065	197	55	,	,	PUNCT
iiclr-25065	197	56	supra	supra	PROPN
iiclr-25065	197	57	note	note	NOUN
iiclr-25065	197	58	52	52	NUM
iiclr-25065	197	59	.	.	PUNCT
iiclr-25065	198	1	64	64	NUM
iiclr-25065	198	2	.	.	PUNCT
iiclr-25065	199	1	i	i	PRON
iiclr-25065	199	2	d.	d.	PROPN
iiclr-25065	199	3	at	at	ADP
iiclr-25065	199	4	260	260	NUM
iiclr-25065	199	5	(	(	PUNCT
iiclr-25065	199	6	citing	cite	VERB
iiclr-25065	199	7	fsa	fsa	PROPN
iiclr-25065	199	8	,	,	PUNCT
iiclr-25065	199	9	the	the	DET
iiclr-25065	199	10	assessment	assessment	NOUN
iiclr-25065	199	11	and	and	CCONJ
iiclr-25065	199	12	redress	redress	NOUN
iiclr-25065	199	13	of	of	ADP
iiclr-25065	199	14	payment	payment	NOUN
iiclr-25065	199	15	protection	protection	NOUN
iiclr-25065	199	16	insurance	insurance	NOUN
iiclr-25065	199	17	complaints	complaint	NOUN
iiclr-25065	199	18	(	(	PUNCT
iiclr-25065	199	19	ps10/12	ps10/12	NOUN
iiclr-25065	199	20	)	)	PUNCT
iiclr-25065	199	21	,	,	PUNCT
iiclr-25065	199	22	at	at	ADP
iiclr-25065	199	23	4	4	NUM
iiclr-25065	199	24	)	)	PUNCT
iiclr-25065	199	25	)	)	PUNCT
iiclr-25065	199	26	;	;	PUNCT
iiclr-25065	199	27	see	see	VERB
iiclr-25065	199	28	also	also	ADV
iiclr-25065	199	29	clydesdale	clydesdale	PROPN
iiclr-25065	199	30	bank	bank	PROPN
iiclr-25065	199	31	fined	fine	VERB
iiclr-25065	199	32	£	£	SYM
iiclr-25065	199	33	20,678,300	20,678,300	NUM
iiclr-25065	199	34	for	for	ADP
iiclr-25065	199	35	serious	serious	ADJ
iiclr-25065	199	36	failings	failing	NOUN
iiclr-25065	199	37	in	in	ADP
iiclr-25065	199	38	ppi	ppi	PROPN
iiclr-25065	199	39	complaint	complaint	PROPN
iiclr-25065	199	40	handling	handling	NOUN
iiclr-25065	199	41	,	,	PUNCT
iiclr-25065	199	42	financial	financial	ADJ
iiclr-25065	199	43	conduct	conduct	NOUN
iiclr-25065	199	44	authority	authority	NOUN
iiclr-25065	199	45	(	(	PUNCT
iiclr-25065	199	46	apr	apr	PROPN
iiclr-25065	199	47	.	.	PROPN
iiclr-25065	199	48	14	14	NUM
iiclr-25065	199	49	,	,	PUNCT
iiclr-25065	199	50	2015	2015	NUM
iiclr-25065	199	51	)	)	PUNCT
iiclr-25065	199	52	,	,	PUNCT
iiclr-25065	199	53	https://www.fca.org.uk/news/press-releases/clydesdale-bank-fined-%c2%a320678300-seriousfailings-ppi-complaint-handling	https://www.fca.org.uk/news/press-releases/clydesdale-bank-fined-%c2%a320678300-seriousfailings-ppi-complaint-handle	VERB
iiclr-25065	199	54	[	[	X
iiclr-25065	199	55	https://perma.cc/f33r-d27r	https://perma.cc/f33r-d27r	NOUN
iiclr-25065	199	56	]	]	PUNCT
iiclr-25065	199	57	.	.	PUNCT
iiclr-25065	200	1	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	PROPN
iiclr-25065	200	2	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	PROPN
iiclr-25065	200	3	https://perma.cc/p6a8-a3uf	https://perma.cc/p6a8-a3uf	PROPN
iiclr-25065	200	4	https://www.fca.org.uk/news/press-releases/clydesdale-bank-fined-%c2%a320678300-serious-failings-ppi-complaint-handling	https://www.fca.org.uk/news/press-releases/clydesdale-bank-fined-%c2%a320678300-serious-failings-ppi-complaint-handle	VERB
iiclr-25065	200	5	https://www.fca.org.uk/news/press-releases/clydesdale-bank-fined-%c2%a320678300-serious-failings-ppi-complaint-handling	https://www.fca.org.uk/news/press-releases/clydesdale-bank-fined-%c2%a320678300-serious-failings-ppi-complaint-handle	VERB
iiclr-25065	200	6	indiana	indiana	PROPN
iiclr-25065	200	7	int’l	int’l	NOUN
iiclr-25065	200	8	&	&	CCONJ
iiclr-25065	200	9	comp	comp	PROPN
iiclr-25065	200	10	.	.	PUNCT
iiclr-25065	201	1	law	law	NOUN
iiclr-25065	201	2	review	review	NOUN
iiclr-25065	202	1	[	[	X
iiclr-25065	202	2	vol	vol	NOUN
iiclr-25065	202	3	.	.	PUNCT
iiclr-25065	202	4	30:99	30:99	NUM
iiclr-25065	202	5	108	108	NUM
iiclr-25065	202	6	the	the	DET
iiclr-25065	202	7	fos.65	fos.65	NOUN
iiclr-25065	202	8	the	the	DET
iiclr-25065	202	9	number	number	NOUN
iiclr-25065	202	10	of	of	ADP
iiclr-25065	202	11	complaints	complaint	NOUN
iiclr-25065	202	12	concerning	concern	VERB
iiclr-25065	202	13	payment	payment	NOUN
iiclr-25065	202	14	protection	protection	NOUN
iiclr-25065	202	15	insurance	insurance	NOUN
iiclr-25065	202	16	that	that	PRON
iiclr-25065	202	17	consumers	consumer	NOUN
iiclr-25065	202	18	filed	file	VERB
iiclr-25065	202	19	with	with	ADP
iiclr-25065	202	20	the	the	DET
iiclr-25065	202	21	“	"	PUNCT
iiclr-25065	202	22	fos	fos	NOUN
iiclr-25065	202	23	jumped	jump	VERB
iiclr-25065	202	24	from	from	ADP
iiclr-25065	202	25	1,315	1,315	NUM
iiclr-25065	202	26	in	in	ADP
iiclr-25065	202	27	2006	2006	NUM
iiclr-25065	202	28	to	to	ADP
iiclr-25065	202	29	104,597	104,597	NUM
iiclr-25065	202	30	”	"	PUNCT
iiclr-25065	202	31	in	in	ADP
iiclr-25065	202	32	2011,66	2011,66	NUM
iiclr-25065	202	33	and	and	CCONJ
iiclr-25065	202	34	continued	continue	VERB
iiclr-25065	202	35	to	to	PART
iiclr-25065	202	36	increase	increase	VERB
iiclr-25065	202	37	massively	massively	ADV
iiclr-25065	202	38	after	after	ADP
iiclr-25065	202	39	that	that	PRON
iiclr-25065	202	40	,	,	PUNCT
iiclr-25065	202	41	with	with	ADP
iiclr-25065	202	42	400,000	400,000	NUM
iiclr-25065	202	43	new	new	ADJ
iiclr-25065	202	44	ppi	ppi	NOUN
iiclr-25065	202	45	claims	claim	NOUN
iiclr-25065	202	46	filed	file	VERB
iiclr-25065	202	47	in	in	ADP
iiclr-25065	202	48	both	both	DET
iiclr-25065	202	49	2012–13	2012–13	NUM
iiclr-25065	202	50	and	and	CCONJ
iiclr-25065	202	51	2013–14	2013–14	NUM
iiclr-25065	202	52	.	.	PUNCT
iiclr-25065	203	1	67	67	NUM
iiclr-25065	204	1	this	this	DET
iiclr-25065	204	2	upsurge	upsurge	NOUN
iiclr-25065	204	3	in	in	ADP
iiclr-25065	204	4	complaints	complaint	NOUN
iiclr-25065	204	5	presented	present	VERB
iiclr-25065	204	6	a	a	DET
iiclr-25065	204	7	major	major	ADJ
iiclr-25065	204	8	challenge	challenge	NOUN
iiclr-25065	204	9	to	to	ADP
iiclr-25065	204	10	the	the	DET
iiclr-25065	204	11	fos	fos	NOUN
iiclr-25065	204	12	and	and	CCONJ
iiclr-25065	204	13	significantly	significantly	ADV
iiclr-25065	204	14	strained	strain	VERB
iiclr-25065	204	15	its	its	PRON
iiclr-25065	204	16	resources	resource	NOUN
iiclr-25065	204	17	,	,	PUNCT
iiclr-25065	204	18	as	as	SCONJ
iiclr-25065	204	19	it	it	PRON
iiclr-25065	204	20	found	find	VERB
iiclr-25065	204	21	it	it	PRON
iiclr-25065	204	22	necessary	necessary	ADJ
iiclr-25065	204	23	almost	almost	ADV
iiclr-25065	204	24	to	to	PART
iiclr-25065	204	25	triple	triple	VERB
iiclr-25065	204	26	in	in	ADP
iiclr-25065	204	27	size	size	NOUN
iiclr-25065	204	28	as	as	SCONJ
iiclr-25065	204	29	it	it	PRON
iiclr-25065	204	30	took	take	VERB
iiclr-25065	204	31	on	on	ADP
iiclr-25065	204	32	new	new	ADJ
iiclr-25065	204	33	case	case	NOUN
iiclr-25065	204	34	handlers	handler	NOUN
iiclr-25065	204	35	and	and	CCONJ
iiclr-25065	204	36	adjudicators.68	adjudicators.68	NOUN
iiclr-25065	204	37	the	the	DET
iiclr-25065	204	38	number	number	NOUN
iiclr-25065	204	39	of	of	ADP
iiclr-25065	204	40	ppi	ppi	NOUN
iiclr-25065	204	41	complaints	complaint	NOUN
iiclr-25065	204	42	piling	pile	VERB
iiclr-25065	204	43	up	up	ADP
iiclr-25065	204	44	at	at	ADP
iiclr-25065	204	45	the	the	DET
iiclr-25065	204	46	fos	fos	NOUN
iiclr-25065	204	47	and	and	CCONJ
iiclr-25065	204	48	the	the	DET
iiclr-25065	204	49	fos	fos	NOUN
iiclr-25065	204	50	’s	’s	PART
iiclr-25065	204	51	referral	referral	NOUN
iiclr-25065	204	52	to	to	ADP
iiclr-25065	204	53	the	the	DET
iiclr-25065	204	54	fsa	fsa	PROPN
iiclr-25065	204	55	to	to	PART
iiclr-25065	204	56	investigate	investigate	VERB
iiclr-25065	204	57	the	the	DET
iiclr-25065	204	58	wider	wide	ADJ
iiclr-25065	204	59	implications	implication	NOUN
iiclr-25065	204	60	of	of	ADP
iiclr-25065	204	61	the	the	DET
iiclr-25065	204	62	complaints	complaint	NOUN
iiclr-25065	204	63	compelled	compel	VERB
iiclr-25065	204	64	the	the	DET
iiclr-25065	204	65	fsa	fsa	PROPN
iiclr-25065	204	66	to	to	PART
iiclr-25065	204	67	take	take	VERB
iiclr-25065	204	68	a	a	DET
iiclr-25065	204	69	systemic	systemic	ADJ
iiclr-25065	204	70	approach	approach	NOUN
iiclr-25065	204	71	to	to	ADP
iiclr-25065	204	72	the	the	DET
iiclr-25065	204	73	problem	problem	NOUN
iiclr-25065	204	74	.	.	PUNCT
iiclr-25065	205	1	accordingly	accordingly	ADV
iiclr-25065	205	2	,	,	PUNCT
iiclr-25065	205	3	the	the	DET
iiclr-25065	205	4	fsa	fsa	PROPN
iiclr-25065	205	5	created	create	VERB
iiclr-25065	205	6	increasingly	increasingly	ADV
iiclr-25065	205	7	specific	specific	ADJ
iiclr-25065	205	8	regulations	regulation	NOUN
iiclr-25065	205	9	and	and	CCONJ
iiclr-25065	205	10	adopted	adopt	VERB
iiclr-25065	205	11	a	a	DET
iiclr-25065	205	12	focused	focused	ADJ
iiclr-25065	205	13	supervisory	supervisory	ADJ
iiclr-25065	205	14	regime	regime	NOUN
iiclr-25065	205	15	to	to	PART
iiclr-25065	205	16	handle	handle	VERB
iiclr-25065	205	17	the	the	DET
iiclr-25065	205	18	complaints.69	complaints.69	NOUN
iiclr-25065	205	19	in	in	ADP
iiclr-25065	205	20	2010	2010	NUM
iiclr-25065	205	21	,	,	PUNCT
iiclr-25065	205	22	this	this	PRON
iiclr-25065	205	23	resulted	result	VERB
iiclr-25065	205	24	in	in	ADP
iiclr-25065	205	25	“	"	PUNCT
iiclr-25065	205	26	policy	policy	NOUN
iiclr-25065	205	27	statement	statement	NOUN
iiclr-25065	205	28	10/12	10/12	NUM
iiclr-25065	205	29	”	"	PUNCT
iiclr-25065	205	30	–	–	PUNCT
iiclr-25065	205	31	the	the	DET
iiclr-25065	205	32	fsa	fsa	PROPN
iiclr-25065	205	33	’s	’s	PART
iiclr-25065	205	34	announcement	announcement	NOUN
iiclr-25065	205	35	of	of	ADP
iiclr-25065	205	36	the	the	DET
iiclr-25065	205	37	structure	structure	NOUN
iiclr-25065	205	38	by	by	ADP
iiclr-25065	205	39	which	which	PRON
iiclr-25065	205	40	it	it	PRON
iiclr-25065	205	41	would	would	AUX
iiclr-25065	205	42	handle	handle	VERB
iiclr-25065	205	43	ppi	ppi	NOUN
iiclr-25065	205	44	complaints	complaint	NOUN
iiclr-25065	205	45	more	more	ADV
iiclr-25065	205	46	fairly	fairly	ADV
iiclr-25065	205	47	and	and	CCONJ
iiclr-25065	205	48	consistently	consistently	ADV
iiclr-25065	205	49	,	,	PUNCT
iiclr-25065	205	50	and	and	CCONJ
iiclr-25065	205	51	reduce	reduce	VERB
iiclr-25065	205	52	the	the	DET
iiclr-25065	205	53	fos	fos	NOUN
iiclr-25065	205	54	’s	’s	PART
iiclr-25065	205	55	heavy	heavy	ADJ
iiclr-25065	205	56	caseload.70	caseload.70	NOUN
iiclr-25065	205	57	among	among	ADP
iiclr-25065	205	58	other	other	ADJ
iiclr-25065	205	59	things	thing	NOUN
iiclr-25065	205	60	,	,	PUNCT
iiclr-25065	205	61	policy	policy	NOUN
iiclr-25065	205	62	statement	statement	NOUN
iiclr-25065	205	63	10/12	10/12	NUM
iiclr-25065	205	64	amends	amend	NOUN
iiclr-25065	205	65	the	the	DET
iiclr-25065	205	66	complaints	complaint	NOUN
iiclr-25065	205	67	sourcebook	sourcebook	NOUN
iiclr-25065	205	68	(	(	PUNCT
iiclr-25065	205	69	“	"	PUNCT
iiclr-25065	205	70	disp	disp	NOUN
iiclr-25065	205	71	”	"	PUNCT
iiclr-25065	205	72	)	)	PUNCT
iiclr-25065	205	73	,	,	PUNCT
iiclr-25065	205	74	the	the	DET
iiclr-25065	205	75	fsa	fsa	PROPN
iiclr-25065	205	76	’s	’s	PART
iiclr-25065	205	77	earlier	early	ADV
iiclr-25065	205	78	set	set	NOUN
iiclr-25065	205	79	of	of	ADP
iiclr-25065	205	80	relevant	relevant	ADJ
iiclr-25065	205	81	rules	rule	NOUN
iiclr-25065	205	82	.	.	PUNCT
iiclr-25065	206	1	the	the	DET
iiclr-25065	206	2	revised	revise	VERB
iiclr-25065	206	3	sections	section	NOUN
iiclr-25065	206	4	include	include	VERB
iiclr-25065	206	5	explanations	explanation	NOUN
iiclr-25065	206	6	of	of	ADP
iiclr-25065	206	7	how	how	SCONJ
iiclr-25065	206	8	firms	firm	NOUN
iiclr-25065	206	9	should	should	AUX
iiclr-25065	206	10	handle	handle	VERB
iiclr-25065	206	11	and	and	CCONJ
iiclr-25065	206	12	assess	assess	VERB
iiclr-25065	206	13	ppi	ppi	NOUN
iiclr-25065	206	14	complaints	complaint	NOUN
iiclr-25065	206	15	and	and	CCONJ
iiclr-25065	206	16	how	how	SCONJ
iiclr-25065	206	17	they	they	PRON
iiclr-25065	206	18	should	should	AUX
iiclr-25065	206	19	deal	deal	VERB
iiclr-25065	206	20	with	with	ADP
iiclr-25065	206	21	evidence	evidence	NOUN
iiclr-25065	206	22	and	and	CCONJ
iiclr-25065	206	23	redress	redress	NOUN
iiclr-25065	206	24	regarding	regard	VERB
iiclr-25065	206	25	these	these	DET
iiclr-25065	206	26	sales	sale	NOUN
iiclr-25065	206	27	.	.	PUNCT
iiclr-25065	207	1	71	71	NUM
iiclr-25065	207	2	policy	policy	NOUN
iiclr-25065	207	3	statement	statement	NOUN
iiclr-25065	207	4	10/12	10/12	NUM
iiclr-25065	207	5	also	also	ADV
iiclr-25065	207	6	presented	present	VERB
iiclr-25065	207	7	the	the	DET
iiclr-25065	207	8	way	way	NOUN
iiclr-25065	207	9	in	in	ADP
iiclr-25065	207	10	which	which	PRON
iiclr-25065	207	11	the	the	DET
iiclr-25065	207	12	fsa	fsa	PROPN
iiclr-25065	207	13	planned	plan	VERB
iiclr-25065	207	14	to	to	PART
iiclr-25065	207	15	monitor	monitor	VERB
iiclr-25065	207	16	firms	firm	NOUN
iiclr-25065	207	17	’	'	PUNCT
iiclr-25065	207	18	behavior	behavior	NOUN
iiclr-25065	207	19	regarding	regard	VERB
iiclr-25065	207	20	ppi	ppi	PROPN
iiclr-25065	207	21	complaints	complaint	NOUN
iiclr-25065	207	22	,	,	PUNCT
iiclr-25065	207	23	requiring	require	VERB
iiclr-25065	207	24	the	the	DET
iiclr-25065	207	25	firms	firm	NOUN
iiclr-25065	207	26	to	to	PART
iiclr-25065	207	27	provide	provide	VERB
iiclr-25065	207	28	it	it	PRON
iiclr-25065	207	29	with	with	ADP
iiclr-25065	207	30	sample	sample	NOUN
iiclr-25065	207	31	files	file	NOUN
iiclr-25065	207	32	of	of	ADP
iiclr-25065	207	33	ppi	ppi	NOUN
iiclr-25065	207	34	complaints	complaint	NOUN
iiclr-25065	207	35	,	,	PUNCT
iiclr-25065	207	36	governance	governance	NOUN
iiclr-25065	207	37	structures	structure	NOUN
iiclr-25065	207	38	,	,	PUNCT
iiclr-25065	207	39	internal	internal	ADJ
iiclr-25065	207	40	procedures	procedure	NOUN
iiclr-25065	207	41	,	,	PUNCT
iiclr-25065	207	42	papers	paper	NOUN
iiclr-25065	207	43	,	,	PUNCT
iiclr-25065	207	44	and	and	CCONJ
iiclr-25065	207	45	minutes	minute	NOUN
iiclr-25065	207	46	of	of	ADP
iiclr-25065	207	47	senior	senior	ADJ
iiclr-25065	207	48	management	management	NOUN
iiclr-25065	207	49	meetings	meeting	NOUN
iiclr-25065	207	50	about	about	ADP
iiclr-25065	207	51	ppi	ppi	PROPN
iiclr-25065	207	52	.	.	NOUN
iiclr-25065	207	53	72	72	NUM
iiclr-25065	207	54	encouraging	encourage	VERB
iiclr-25065	207	55	consumers	consumer	NOUN
iiclr-25065	207	56	to	to	PART
iiclr-25065	207	57	file	file	VERB
iiclr-25065	207	58	ppi	ppi	NOUN
iiclr-25065	207	59	claims	claim	NOUN
iiclr-25065	207	60	was	be	AUX
iiclr-25065	207	61	an	an	DET
iiclr-25065	207	62	important	important	ADJ
iiclr-25065	207	63	aspect	aspect	NOUN
iiclr-25065	207	64	of	of	ADP
iiclr-25065	207	65	the	the	DET
iiclr-25065	207	66	fsa	fsa	PROPN
iiclr-25065	207	67	/	/	SYM
iiclr-25065	207	68	fca	fca	PROPN
iiclr-25065	207	69	’s	’s	PART
iiclr-25065	207	70	approach	approach	NOUN
iiclr-25065	207	71	to	to	ADP
iiclr-25065	207	72	the	the	DET
iiclr-25065	207	73	ppi	ppi	NOUN
iiclr-25065	207	74	scandal	scandal	NOUN
iiclr-25065	207	75	.	.	PUNCT
iiclr-25065	208	1	in	in	ADP
iiclr-25065	208	2	2012	2012	NUM
iiclr-25065	208	3	,	,	PUNCT
iiclr-25065	208	4	the	the	DET
iiclr-25065	208	5	fsa	fsa	PROPN
iiclr-25065	208	6	issued	issue	VERB
iiclr-25065	208	7	guidance	guidance	NOUN
iiclr-25065	208	8	on	on	ADP
iiclr-25065	208	9	how	how	SCONJ
iiclr-25065	208	10	companies	company	NOUN
iiclr-25065	208	11	should	should	AUX
iiclr-25065	208	12	contact	contact	VERB
iiclr-25065	208	13	consumers	consumer	NOUN
iiclr-25065	208	14	so	so	SCONJ
iiclr-25065	208	15	as	as	SCONJ
iiclr-25065	208	16	to	to	PART
iiclr-25065	208	17	facilitate	facilitate	VERB
iiclr-25065	208	18	ppi	ppi	NOUN
iiclr-25065	208	19	claims.73	claims.73	NOUN
iiclr-25065	208	20	in	in	ADP
iiclr-25065	208	21	2013	2013	NUM
iiclr-25065	208	22	,	,	PUNCT
iiclr-25065	208	23	the	the	DET
iiclr-25065	208	24	fca	fca	PROPN
iiclr-25065	208	25	,	,	PUNCT
iiclr-25065	208	26	published	publish	VERB
iiclr-25065	208	27	empirical	empirical	ADJ
iiclr-25065	208	28	field	field	NOUN
iiclr-25065	208	29	research	research	NOUN
iiclr-25065	208	30	about	about	ADP
iiclr-25065	208	31	ways	way	NOUN
iiclr-25065	208	32	to	to	PART
iiclr-25065	208	33	encourage	encourage	VERB
iiclr-25065	208	34	consumers	consumer	NOUN
iiclr-25065	208	35	to	to	PART
iiclr-25065	208	36	seek	seek	VERB
iiclr-25065	208	37	redress	redress	NOUN
iiclr-25065	208	38	.	.	PUNCT
iiclr-25065	209	1	74	74	NUM
iiclr-25065	209	2	that	that	DET
iiclr-25065	209	3	paper	paper	NOUN
iiclr-25065	209	4	recommended	recommend	VERB
iiclr-25065	209	5	small	small	ADJ
iiclr-25065	209	6	changes	change	NOUN
iiclr-25065	209	7	like	like	ADP
iiclr-25065	209	8	adding	add	VERB
iiclr-25065	209	9	a	a	DET
iiclr-25065	209	10	message	message	NOUN
iiclr-25065	209	11	to	to	PART
iiclr-25065	209	12	‘	'	PUNCT
iiclr-25065	209	13	act	act	VERB
iiclr-25065	209	14	quickly	quickly	ADV
iiclr-25065	209	15	’	'	PUNCT
iiclr-25065	209	16	to	to	ADP
iiclr-25065	209	17	a	a	DET
iiclr-25065	209	18	plain	plain	ADJ
iiclr-25065	209	19	envelope	envelope	NOUN
iiclr-25065	209	20	,	,	PUNCT
iiclr-25065	209	21	using	use	VERB
iiclr-25065	209	22	an	an	DET
iiclr-25065	209	23	fsa	fsa	PROPN
iiclr-25065	209	24	logo	logo	NOUN
iiclr-25065	209	25	in	in	ADP
iiclr-25065	209	26	the	the	DET
iiclr-25065	209	27	letterhead	letterhead	NOUN
iiclr-25065	209	28	;	;	PUNCT
iiclr-25065	209	29	using	use	VERB
iiclr-25065	209	30	salient	salient	NOUN
iiclr-25065	209	31	bullets	bullet	NOUN
iiclr-25065	209	32	;	;	PUNCT
iiclr-25065	209	33	simplifying	simplify	VERB
iiclr-25065	209	34	the	the	DET
iiclr-25065	209	35	body	body	NOUN
iiclr-25065	209	36	of	of	ADP
iiclr-25065	209	37	the	the	DET
iiclr-25065	209	38	letter	letter	NOUN
iiclr-25065	209	39	;	;	PUNCT
iiclr-25065	209	40	and	and	CCONJ
iiclr-25065	209	41	including	include	VERB
iiclr-25065	209	42	in	in	ADP
iiclr-25065	209	43	the	the	DET
iiclr-25065	209	44	text	text	NOUN
iiclr-25065	209	45	an	an	DET
iiclr-25065	209	46	explanation	explanation	NOUN
iiclr-25065	209	47	that	that	SCONJ
iiclr-25065	209	48	the	the	DET
iiclr-25065	209	49	claims	claim	NOUN
iiclr-25065	209	50	process	process	NOUN
iiclr-25065	209	51	would	would	AUX
iiclr-25065	209	52	only	only	ADV
iiclr-25065	209	53	take	take	VERB
iiclr-25065	209	54	five	five	NUM
iiclr-25065	209	55	minutes	minute	NOUN
iiclr-25065	209	56	.	.	PUNCT
iiclr-25065	210	1	65	65	NUM
iiclr-25065	210	2	.	.	PUNCT
iiclr-25065	210	3	national	national	ADJ
iiclr-25065	210	4	audit	audit	PROPN
iiclr-25065	210	5	office	office	NOUN
iiclr-25065	210	6	,	,	PUNCT
iiclr-25065	210	7	supra	supra	PROPN
iiclr-25065	210	8	note	note	VERB
iiclr-25065	210	9	50	50	NUM
iiclr-25065	210	10	,	,	PUNCT
iiclr-25065	210	11	at	at	ADP
iiclr-25065	210	12	36	36	NUM
iiclr-25065	210	13	.	.	PUNCT
iiclr-25065	210	14	66	66	NUM
iiclr-25065	210	15	.	.	PUNCT
iiclr-25065	211	1	see	see	VERB
iiclr-25065	211	2	ferran	ferran	NOUN
iiclr-25065	211	3	,	,	PUNCT
iiclr-25065	211	4	supra	supra	PROPN
iiclr-25065	211	5	note	note	VERB
iiclr-25065	211	6	7	7	NUM
iiclr-25065	211	7	at	at	ADP
iiclr-25065	211	8	255	255	NUM
iiclr-25065	211	9	(	(	PUNCT
iiclr-25065	211	10	citing	cite	VERB
iiclr-25065	211	11	financial	financial	ADJ
iiclr-25065	211	12	ombudsman	ombudsman	NOUN
iiclr-25065	211	13	service	service	NOUN
iiclr-25065	211	14	,	,	PUNCT
iiclr-25065	211	15	annual	annual	ADJ
iiclr-25065	211	16	review	review	NOUN
iiclr-25065	211	17	2010/11	2010/11	NUM
iiclr-25065	211	18	,	,	PUNCT
iiclr-25065	211	19	at	at	ADP
iiclr-25065	211	20	41	41	NUM
iiclr-25065	211	21	)	)	PUNCT
iiclr-25065	211	22	.	.	PUNCT
iiclr-25065	212	1	67	67	NUM
iiclr-25065	212	2	.	.	PUNCT
iiclr-25065	212	3	national	national	ADJ
iiclr-25065	212	4	audit	audit	PROPN
iiclr-25065	212	5	office	office	NOUN
iiclr-25065	212	6	,	,	PUNCT
iiclr-25065	212	7	supra	supra	PROPN
iiclr-25065	212	8	note	note	VERB
iiclr-25065	212	9	50	50	NUM
iiclr-25065	212	10	,	,	PUNCT
iiclr-25065	212	11	at	at	ADP
iiclr-25065	212	12	10	10	NUM
iiclr-25065	212	13	.	.	PUNCT
iiclr-25065	213	1	68	68	NUM
iiclr-25065	213	2	.	.	PUNCT
iiclr-25065	213	3	see	see	VERB
iiclr-25065	213	4	i	i	PRON
iiclr-25065	213	5	d.	d.	PROPN
iiclr-25065	213	6	69	69	NUM
iiclr-25065	213	7	.	.	PUNCT
iiclr-25065	214	1	see	see	VERB
iiclr-25065	214	2	ferran	ferran	NOUN
iiclr-25065	214	3	,	,	PUNCT
iiclr-25065	214	4	supra	supra	PROPN
iiclr-25065	214	5	note	note	PROPN
iiclr-25065	214	6	7	7	NUM
iiclr-25065	214	7	,	,	PUNCT
iiclr-25065	214	8	at	at	ADP
iiclr-25065	214	9	263	263	NUM
iiclr-25065	214	10	.	.	PUNCT
iiclr-25065	215	1	70	70	NUM
iiclr-25065	215	2	.	.	PUNCT
iiclr-25065	215	3	financial	financial	ADJ
iiclr-25065	215	4	services	service	NOUN
iiclr-25065	215	5	authority	authority	NOUN
iiclr-25065	215	6	,	,	PUNCT
iiclr-25065	215	7	policy	policy	NOUN
iiclr-25065	215	8	statement	statement	NOUN
iiclr-25065	215	9	10/12	10/12	NUM
iiclr-25065	215	10	:	:	PUNCT
iiclr-25065	215	11	the	the	DET
iiclr-25065	215	12	assessment	assessment	NOUN
iiclr-25065	215	13	and	and	CCONJ
iiclr-25065	215	14	redress	redress	NOUN
iiclr-25065	215	15	of	of	ADP
iiclr-25065	215	16	payment	payment	NOUN
iiclr-25065	215	17	protection	protection	NOUN
iiclr-25065	215	18	insurance	insurance	NOUN
iiclr-25065	215	19	complaints	complaint	NOUN
iiclr-25065	215	20	(	(	PUNCT
iiclr-25065	215	21	2010	2010	NUM
iiclr-25065	215	22	)	)	PUNCT
iiclr-25065	216	1	[	[	X
iiclr-25065	216	2	hereinafter	hereinafter	NOUN
iiclr-25065	216	3	policy	policy	NOUN
iiclr-25065	216	4	statement	statement	NOUN
iiclr-25065	216	5	10/12	10/12	NUM
iiclr-25065	216	6	]	]	PUNCT
iiclr-25065	216	7	.	.	PUNCT
iiclr-25065	217	1	71	71	NUM
iiclr-25065	217	2	.	.	PUNCT
iiclr-25065	218	1	i	i	PRON
iiclr-25065	218	2	d.	d.	VERB
iiclr-25065	218	3	at	at	ADP
iiclr-25065	218	4	appendix	appendix	NOUN
iiclr-25065	218	5	1	1	NUM
iiclr-25065	218	6	final	final	ADJ
iiclr-25065	218	7	handbook	handbook	NOUN
iiclr-25065	218	8	text	text	NOUN
iiclr-25065	218	9	.	.	PUNCT
iiclr-25065	219	1	72	72	NUM
iiclr-25065	219	2	.	.	PUNCT
iiclr-25065	220	1	i	i	PRON
iiclr-25065	220	2	d.	d.	PROPN
iiclr-25065	220	3	at	at	ADP
iiclr-25065	220	4	58	58	NUM
iiclr-25065	220	5	.	.	PUNCT
iiclr-25065	221	1	73	73	NUM
iiclr-25065	221	2	.	.	PUNCT
iiclr-25065	222	1	financial	financial	ADJ
iiclr-25065	222	2	services	service	NOUN
iiclr-25065	222	3	authority	authority	NOUN
iiclr-25065	222	4	,	,	PUNCT
iiclr-25065	222	5	finalized	finalized	ADJ
iiclr-25065	222	6	guidance	guidance	NOUN
iiclr-25065	222	7	,	,	PUNCT
iiclr-25065	222	8	payment	payment	NOUN
iiclr-25065	222	9	protection	protection	NOUN
iiclr-25065	222	10	insurance	insurance	NOUN
iiclr-25065	222	11	customer	customer	NOUN
iiclr-25065	222	12	contact	contact	NOUN
iiclr-25065	222	13	letters	letter	NOUN
iiclr-25065	222	14	(	(	PUNCT
iiclr-25065	222	15	ppi	ppi	NOUN
iiclr-25065	222	16	ccls	ccls	NOUN
iiclr-25065	222	17	)	)	PUNCT
iiclr-25065	222	18	–	–	PUNCT
iiclr-25065	222	19	fairness	fairness	NOUN
iiclr-25065	222	20	,	,	PUNCT
iiclr-25065	222	21	clarity	clarity	NOUN
iiclr-25065	222	22	and	and	CCONJ
iiclr-25065	222	23	potential	potential	ADJ
iiclr-25065	222	24	consequences	consequence	NOUN
iiclr-25065	222	25	(	(	PUNCT
iiclr-25065	222	26	2012	2012	NUM
iiclr-25065	222	27	)	)	PUNCT
iiclr-25065	222	28	.	.	PUNCT
iiclr-25065	223	1	74	74	NUM
iiclr-25065	223	2	.	.	PUNCT
iiclr-25065	224	1	paul	paul	PROPN
iiclr-25065	224	2	adams	adams	PROPN
iiclr-25065	224	3	&	&	CCONJ
iiclr-25065	224	4	stefan	stefan	PROPN
iiclr-25065	224	5	hunt	hunt	PROPN
iiclr-25065	224	6	,	,	PUNCT
iiclr-25065	224	7	encouraging	encourage	VERB
iiclr-25065	224	8	consumers	consumer	NOUN
iiclr-25065	224	9	to	to	PART
iiclr-25065	224	10	claim	claim	VERB
iiclr-25065	224	11	redress	redress	NOUN
iiclr-25065	224	12	:	:	PUNCT
iiclr-25065	224	13	evidence	evidence	NOUN
iiclr-25065	224	14	from	from	ADP
iiclr-25065	224	15	a	a	DET
iiclr-25065	224	16	field	field	NOUN
iiclr-25065	224	17	trial	trial	NOUN
iiclr-25065	224	18	,	,	PUNCT
iiclr-25065	224	19	fca	fca	PROPN
iiclr-25065	224	20	occasional	occasional	ADJ
iiclr-25065	224	21	papers	paper	NOUN
iiclr-25065	224	22	(	(	PUNCT
iiclr-25065	224	23	apr	apr	PROPN
iiclr-25065	224	24	.	.	PROPN
iiclr-25065	224	25	2013	2013	NUM
iiclr-25065	224	26	)	)	PUNCT
iiclr-25065	224	27	.	.	PUNCT
iiclr-25065	225	1	2019	2019	NUM
iiclr-25065	225	2	]	]	PUNCT
iiclr-25065	225	3	toward	toward	ADP
iiclr-25065	225	4	regulatory	regulatory	ADJ
iiclr-25065	225	5	mass	mass	NOUN
iiclr-25065	225	6	redress	redress	NOUN
iiclr-25065	225	7	schemes	scheme	NOUN
iiclr-25065	225	8	109	109	NUM
iiclr-25065	225	9	these	these	PRON
iiclr-25065	225	10	served	serve	VERB
iiclr-25065	225	11	to	to	PART
iiclr-25065	225	12	increase	increase	VERB
iiclr-25065	225	13	the	the	DET
iiclr-25065	225	14	consumer	consumer	NOUN
iiclr-25065	225	15	response	response	NOUN
iiclr-25065	225	16	rate	rate	NOUN
iiclr-25065	225	17	.	.	PUNCT
iiclr-25065	226	1	75	75	NUM
iiclr-25065	226	2	to	to	PART
iiclr-25065	226	3	ensure	ensure	VERB
iiclr-25065	226	4	robust	robust	ADJ
iiclr-25065	226	5	and	and	CCONJ
iiclr-25065	226	6	consistent	consistent	ADJ
iiclr-25065	226	7	consumer	consumer	NOUN
iiclr-25065	226	8	redress	redress	NOUN
iiclr-25065	226	9	,	,	PUNCT
iiclr-25065	226	10	the	the	DET
iiclr-25065	226	11	fsa	fsa	PROPN
iiclr-25065	226	12	/	/	SYM
iiclr-25065	226	13	fca	fca	PROPN
iiclr-25065	226	14	’s	’s	PART
iiclr-25065	226	15	supervisory	supervisory	ADJ
iiclr-25065	226	16	work	work	NOUN
iiclr-25065	226	17	also	also	ADV
iiclr-25065	226	18	included	include	VERB
iiclr-25065	226	19	a	a	DET
iiclr-25065	226	20	program	program	NOUN
iiclr-25065	226	21	of	of	ADP
iiclr-25065	226	22	oversight	oversight	NOUN
iiclr-25065	226	23	and	and	CCONJ
iiclr-25065	226	24	review	review	NOUN
iiclr-25065	226	25	of	of	ADP
iiclr-25065	226	26	the	the	DET
iiclr-25065	226	27	progress	progress	NOUN
iiclr-25065	226	28	of	of	ADP
iiclr-25065	226	29	consumer	consumer	NOUN
iiclr-25065	226	30	redress	redress	NOUN
iiclr-25065	226	31	.	.	PUNCT
iiclr-25065	227	1	the	the	DET
iiclr-25065	227	2	authorities	authority	NOUN
iiclr-25065	227	3	kept	keep	VERB
iiclr-25065	227	4	track	track	NOUN
iiclr-25065	227	5	of	of	ADP
iiclr-25065	227	6	the	the	DET
iiclr-25065	227	7	monthly	monthly	ADJ
iiclr-25065	227	8	and	and	CCONJ
iiclr-25065	227	9	annual	annual	ADJ
iiclr-25065	227	10	number	number	NOUN
iiclr-25065	227	11	of	of	ADP
iiclr-25065	227	12	complaints	complaint	NOUN
iiclr-25065	227	13	to	to	ADP
iiclr-25065	227	14	firms	firm	NOUN
iiclr-25065	227	15	,	,	PUNCT
iiclr-25065	227	16	the	the	DET
iiclr-25065	227	17	complaint	complaint	NOUN
iiclr-25065	227	18	uphold	uphold	VERB
iiclr-25065	227	19	rates	rate	NOUN
iiclr-25065	227	20	,	,	PUNCT
iiclr-25065	227	21	and	and	CCONJ
iiclr-25065	227	22	the	the	DET
iiclr-25065	227	23	amount	amount	NOUN
iiclr-25065	227	24	of	of	ADP
iiclr-25065	227	25	ppi	ppi	NOUN
iiclr-25065	227	26	redress	redress	NOUN
iiclr-25065	227	27	paid	pay	VERB
iiclr-25065	227	28	by	by	ADP
iiclr-25065	227	29	month	month	NOUN
iiclr-25065	227	30	and	and	CCONJ
iiclr-25065	227	31	years.76	years.76	NOUN
iiclr-25065	227	32	it	it	PRON
iiclr-25065	227	33	asked	ask	VERB
iiclr-25065	227	34	firms	firm	NOUN
iiclr-25065	227	35	to	to	PART
iiclr-25065	227	36	conduct	conduct	VERB
iiclr-25065	227	37	selfassessments	selfassessment	NOUN
iiclr-25065	227	38	,	,	PUNCT
iiclr-25065	227	39	to	to	PART
iiclr-25065	227	40	review	review	VERB
iiclr-25065	227	41	complaint	complaint	NOUN
iiclr-25065	227	42	handling	handling	NOUN
iiclr-25065	227	43	failures	failure	NOUN
iiclr-25065	227	44	,	,	PUNCT
iiclr-25065	227	45	and	and	CCONJ
iiclr-25065	227	46	to	to	PART
iiclr-25065	227	47	provide	provide	VERB
iiclr-25065	227	48	the	the	DET
iiclr-25065	227	49	resulting	result	VERB
iiclr-25065	227	50	information	information	NOUN
iiclr-25065	227	51	to	to	ADP
iiclr-25065	227	52	the	the	DET
iiclr-25065	227	53	authorities	authority	NOUN
iiclr-25065	227	54	.	.	PUNCT
iiclr-25065	228	1	it	it	PRON
iiclr-25065	228	2	also	also	ADV
iiclr-25065	228	3	required	require	VERB
iiclr-25065	228	4	them	they	PRON
iiclr-25065	228	5	to	to	PART
iiclr-25065	228	6	hold	hold	VERB
iiclr-25065	228	7	regular	regular	ADJ
iiclr-25065	228	8	meetings	meeting	NOUN
iiclr-25065	228	9	with	with	ADP
iiclr-25065	228	10	the	the	DET
iiclr-25065	228	11	fca.77	fca.77	NOUN
iiclr-25065	228	12	in	in	ADP
iiclr-25065	228	13	2017	2017	NUM
iiclr-25065	228	14	,	,	PUNCT
iiclr-25065	228	15	the	the	DET
iiclr-25065	228	16	fca	fca	PROPN
iiclr-25065	228	17	issued	issue	VERB
iiclr-25065	228	18	“	"	PUNCT
iiclr-25065	228	19	policy	policy	NOUN
iiclr-25065	228	20	statement	statement	NOUN
iiclr-25065	228	21	17/3	17/3	NUM
iiclr-25065	228	22	,	,	PUNCT
iiclr-25065	228	23	”	"	PUNCT
iiclr-25065	228	24	which	which	PRON
iiclr-25065	228	25	,	,	PUNCT
iiclr-25065	228	26	among	among	ADP
iiclr-25065	228	27	other	other	ADJ
iiclr-25065	228	28	matters	matter	NOUN
iiclr-25065	228	29	,	,	PUNCT
iiclr-25065	228	30	set	set	VERB
iiclr-25065	228	31	august	august	PROPN
iiclr-25065	228	32	29	29	NUM
iiclr-25065	228	33	,	,	PUNCT
iiclr-25065	228	34	2019	2019	NUM
iiclr-25065	228	35	as	as	ADP
iiclr-25065	228	36	the	the	DET
iiclr-25065	228	37	deadline	deadline	NOUN
iiclr-25065	228	38	by	by	ADP
iiclr-25065	228	39	which	which	PRON
iiclr-25065	228	40	consumers	consumer	NOUN
iiclr-25065	228	41	must	must	AUX
iiclr-25065	228	42	file	file	VERB
iiclr-25065	228	43	their	their	PRON
iiclr-25065	228	44	ppi	ppi	NOUN
iiclr-25065	228	45	complaints	complaint	NOUN
iiclr-25065	228	46	or	or	CCONJ
iiclr-25065	228	47	lose	lose	VERB
iiclr-25065	228	48	their	their	PRON
iiclr-25065	228	49	rights	right	NOUN
iiclr-25065	228	50	to	to	PART
iiclr-25065	228	51	have	have	VERB
iiclr-25065	228	52	them	they	PRON
iiclr-25065	228	53	assessed	assess	VERB
iiclr-25065	228	54	;	;	PUNCT
iiclr-25065	228	55	presented	present	VERB
iiclr-25065	228	56	its	its	PRON
iiclr-25065	228	57	communications	communication	NOUN
iiclr-25065	228	58	campaign	campaign	NOUN
iiclr-25065	228	59	to	to	PART
iiclr-25065	228	60	inform	inform	VERB
iiclr-25065	228	61	the	the	DET
iiclr-25065	228	62	consumers	consumer	NOUN
iiclr-25065	228	63	of	of	ADP
iiclr-25065	228	64	this	this	DET
iiclr-25065	228	65	deadline	deadline	NOUN
iiclr-25065	228	66	;	;	PUNCT
iiclr-25065	228	67	and	and	CCONJ
iiclr-25065	228	68	imposed	impose	VERB
iiclr-25065	228	69	the	the	DET
iiclr-25065	228	70	requirement	requirement	NOUN
iiclr-25065	228	71	that	that	SCONJ
iiclr-25065	228	72	the	the	DET
iiclr-25065	228	73	financial	financial	ADJ
iiclr-25065	228	74	industry	industry	NOUN
iiclr-25065	228	75	fund	fund	NOUN
iiclr-25065	228	76	the	the	DET
iiclr-25065	228	77	consumer	consumer	NOUN
iiclr-25065	228	78	communications	communication	NOUN
iiclr-25065	228	79	campaign.78	campaign.78	VERB
iiclr-25065	228	80	in	in	ADP
iiclr-25065	228	81	accordance	accordance	NOUN
iiclr-25065	228	82	with	with	ADP
iiclr-25065	228	83	policy	policy	NOUN
iiclr-25065	228	84	statement	statement	NOUN
iiclr-25065	228	85	17/3	17/3	NUM
iiclr-25065	228	86	,	,	PUNCT
iiclr-25065	228	87	the	the	DET
iiclr-25065	228	88	fca	fca	PROPN
iiclr-25065	228	89	launched	launch	VERB
iiclr-25065	228	90	a	a	DET
iiclr-25065	228	91	media	medium	NOUN
iiclr-25065	228	92	campaign	campaign	NOUN
iiclr-25065	228	93	that	that	PRON
iiclr-25065	228	94	has	have	AUX
iiclr-25065	228	95	led	lead	VERB
iiclr-25065	228	96	millions	million	NOUN
iiclr-25065	228	97	of	of	ADP
iiclr-25065	228	98	additional	additional	ADJ
iiclr-25065	228	99	consumers	consumer	NOUN
iiclr-25065	228	100	to	to	PART
iiclr-25065	228	101	seek	seek	VERB
iiclr-25065	228	102	redress.79	redress.79	NOUN
iiclr-25065	228	103	(	(	PUNCT
iiclr-25065	228	104	3	3	NUM
iiclr-25065	228	105	)	)	PUNCT
iiclr-25065	228	106	implications	implication	NOUN
iiclr-25065	228	107	commentators	commentator	NOUN
iiclr-25065	228	108	have	have	AUX
iiclr-25065	228	109	hailed	hail	VERB
iiclr-25065	228	110	the	the	DET
iiclr-25065	228	111	u.k	u.k	PROPN
iiclr-25065	228	112	.	.	PROPN
iiclr-25065	228	113	financial	financial	ADJ
iiclr-25065	228	114	sector	sector	NOUN
iiclr-25065	228	115	’s	’s	PART
iiclr-25065	228	116	regulatory	regulatory	ADJ
iiclr-25065	228	117	redress	redress	NOUN
iiclr-25065	228	118	scheme	scheme	NOUN
iiclr-25065	228	119	as	as	ADP
iiclr-25065	228	120	a	a	DET
iiclr-25065	228	121	very	very	ADV
iiclr-25065	228	122	successful	successful	ADJ
iiclr-25065	228	123	system	system	NOUN
iiclr-25065	228	124	,	,	PUNCT
iiclr-25065	228	125	especially	especially	ADV
iiclr-25065	228	126	compared	compare	VERB
iiclr-25065	228	127	to	to	ADP
iiclr-25065	228	128	court	court	NOUN
iiclr-25065	228	129	-	-	PUNCT
iiclr-25065	228	130	led	lead	VERB
iiclr-25065	228	131	civil	civil	ADJ
iiclr-25065	228	132	justice	justice	NOUN
iiclr-25065	228	133	systems	system	NOUN
iiclr-25065	228	134	.	.	PUNCT
iiclr-25065	229	1	80	80	NUM
iiclr-25065	229	2	they	they	PRON
iiclr-25065	229	3	describe	describe	VERB
iiclr-25065	229	4	the	the	DET
iiclr-25065	229	5	exercise	exercise	NOUN
iiclr-25065	229	6	as	as	ADP
iiclr-25065	229	7	an	an	DET
iiclr-25065	229	8	“	"	PUNCT
iiclr-25065	229	9	integrated	integrated	ADJ
iiclr-25065	229	10	voluntary	voluntary	ADJ
iiclr-25065	229	11	,	,	PUNCT
iiclr-25065	229	12	75	75	NUM
iiclr-25065	229	13	.	.	PUNCT
iiclr-25065	230	1	i	i	PRON
iiclr-25065	230	2	d.	d.	PROPN
iiclr-25065	230	3	see	see	VERB
iiclr-25065	230	4	also	also	ADV
iiclr-25065	230	5	becky	becky	PROPN
iiclr-25065	230	6	rowe	rowe	PROPN
iiclr-25065	230	7	,	,	PUNCT
iiclr-25065	230	8	jenny	jenny	PROPN
iiclr-25065	230	9	holland	holland	PROPN
iiclr-25065	230	10	,	,	PUNCT
iiclr-25065	230	11	&	&	CCONJ
iiclr-25065	230	12	ruby	ruby	PROPN
iiclr-25065	230	13	wootton	wootton	PROPN
iiclr-25065	230	14	,	,	PUNCT
iiclr-25065	230	15	financial	financial	ADJ
iiclr-25065	230	16	conduct	conduct	NOUN
iiclr-25065	230	17	authority	authority	NOUN
iiclr-25065	230	18	:	:	PUNCT
iiclr-25065	230	19	understanding	understand	VERB
iiclr-25065	230	20	ppi	ppi	NOUN
iiclr-25065	230	21	redress	redress	NOUN
iiclr-25065	230	22	from	from	ADP
iiclr-25065	230	23	a	a	DET
iiclr-25065	230	24	consumer	consumer	NOUN
iiclr-25065	230	25	perspective	perspective	NOUN
iiclr-25065	230	26	,	,	PUNCT
iiclr-25065	230	27	financial	financial	ADJ
iiclr-25065	230	28	conduct	conduct	NOUN
iiclr-25065	230	29	authority	authority	NOUN
iiclr-25065	230	30	(	(	PUNCT
iiclr-25065	230	31	nov	nov	PROPN
iiclr-25065	230	32	.	.	PROPN
iiclr-25065	230	33	2015	2015	NUM
iiclr-25065	230	34	)	)	PUNCT
iiclr-25065	230	35	https://www.fca.org.uk/publication/consultation/understanding-ppiredress-consumer-perspective.pdf	https://www.fca.org.uk/publication/consultation/understanding-ppiredress-consumer-perspective.pdf	X
iiclr-25065	230	36	.	.	PUNCT
iiclr-25065	231	1	[	[	X
iiclr-25065	231	2	https://perma.cc/8v4e-9erh	https://perma.cc/8v4e-9erh	X
iiclr-25065	231	3	]	]	X
iiclr-25065	231	4	.	.	PUNCT
iiclr-25065	232	1	the	the	DET
iiclr-25065	232	2	fca	fca	PROPN
iiclr-25065	232	3	also	also	ADV
iiclr-25065	232	4	commissioned	commission	VERB
iiclr-25065	232	5	behavioral	behavioral	ADJ
iiclr-25065	232	6	research	research	NOUN
iiclr-25065	232	7	to	to	PART
iiclr-25065	232	8	understand	understand	VERB
iiclr-25065	232	9	the	the	DET
iiclr-25065	232	10	mindsets	mindset	NOUN
iiclr-25065	232	11	of	of	ADP
iiclr-25065	232	12	complaining	complaining	NOUN
iiclr-25065	232	13	and	and	CCONJ
iiclr-25065	232	14	non	non	ADJ
iiclr-25065	232	15	-	-	ADJ
iiclr-25065	232	16	complaining	complaining	ADJ
iiclr-25065	232	17	consumers	consumer	NOUN
iiclr-25065	232	18	,	,	PUNCT
iiclr-25065	232	19	and	and	CCONJ
iiclr-25065	232	20	ways	way	NOUN
iiclr-25065	232	21	to	to	PART
iiclr-25065	232	22	encourage	encourage	VERB
iiclr-25065	232	23	people	people	NOUN
iiclr-25065	232	24	to	to	PART
iiclr-25065	232	25	complain	complain	VERB
iiclr-25065	232	26	.	.	PUNCT
iiclr-25065	233	1	76	76	NUM
iiclr-25065	233	2	.	.	PUNCT
iiclr-25065	234	1	financial	financial	ADJ
iiclr-25065	234	2	conduct	conduct	NOUN
iiclr-25065	234	3	authority	authority	NOUN
iiclr-25065	234	4	,	,	PUNCT
iiclr-25065	234	5	thematic	thematic	ADJ
iiclr-25065	234	6	review	review	NOUN
iiclr-25065	234	7	,	,	PUNCT
iiclr-25065	234	8	redress	redress	NOUN
iiclr-25065	234	9	for	for	ADP
iiclr-25065	234	10	payment	payment	NOUN
iiclr-25065	234	11	protection	protection	NOUN
iiclr-25065	234	12	insurance	insurance	NOUN
iiclr-25065	234	13	(	(	PUNCT
iiclr-25065	234	14	ppi	ppi	NOUN
iiclr-25065	234	15	)	)	PUNCT
iiclr-25065	234	16	mis	mi	NOUN
iiclr-25065	234	17	-	-	PUNCT
iiclr-25065	234	18	sales	sale	NOUN
iiclr-25065	234	19	update	update	NOUN
iiclr-25065	234	20	on	on	ADP
iiclr-25065	234	21	progress	progress	NOUN
iiclr-25065	234	22	and	and	CCONJ
iiclr-25065	234	23	looking	look	VERB
iiclr-25065	234	24	ahead	ahead	ADV
iiclr-25065	234	25	,	,	PUNCT
iiclr-25065	234	26	tr	tr	VERB
iiclr-25065	234	27	14/14	14/14	NUM
iiclr-25065	234	28	(	(	PUNCT
iiclr-25065	234	29	2014	2014	NUM
iiclr-25065	234	30	)	)	PUNCT
iiclr-25065	234	31	.	.	PUNCT
iiclr-25065	235	1	77	77	NUM
iiclr-25065	235	2	.	.	PUNCT
iiclr-25065	236	1	i	i	PRON
iiclr-25065	236	2	d.	d.	PROPN
iiclr-25065	236	3	at	at	ADP
iiclr-25065	236	4	15	15	NUM
iiclr-25065	236	5	-	-	SYM
iiclr-25065	236	6	17	17	NUM
iiclr-25065	236	7	.	.	PUNCT
iiclr-25065	237	1	78	78	NUM
iiclr-25065	237	2	.	.	PUNCT
iiclr-25065	238	1	financial	financial	ADJ
iiclr-25065	238	2	conduct	conduct	NOUN
iiclr-25065	238	3	authority	authority	NOUN
iiclr-25065	238	4	,	,	PUNCT
iiclr-25065	238	5	supra	supra	PROPN
iiclr-25065	238	6	note	note	NOUN
iiclr-25065	238	7	59	59	NUM
iiclr-25065	238	8	.	.	PUNCT
iiclr-25065	238	9	79	79	NUM
iiclr-25065	238	10	.	.	PUNCT
iiclr-25065	239	1	financial	financial	ADJ
iiclr-25065	239	2	conduct	conduct	NOUN
iiclr-25065	239	3	authority	authority	NOUN
iiclr-25065	239	4	,	,	PUNCT
iiclr-25065	239	5	payment	payment	NOUN
iiclr-25065	239	6	protection	protection	NOUN
iiclr-25065	239	7	insurance	insurance	NOUN
iiclr-25065	239	8	complaints	complaint	NOUN
iiclr-25065	239	9	deadline	deadline	NOUN
iiclr-25065	239	10	progress	progress	NOUN
iiclr-25065	239	11	report	report	VERB
iiclr-25065	239	12	6	6	NUM
iiclr-25065	239	13	(	(	PUNCT
iiclr-25065	239	14	2018	2018	NUM
iiclr-25065	239	15	)	)	PUNCT
iiclr-25065	239	16	,	,	PUNCT
iiclr-25065	239	17	https://www.fca.org.uk/publication/corporate/ppi-complaintsdeadline-progress-report.pdf	https://www.fca.org.uk/publication/corporate/ppi-complaintsdeadline-progress-report.pdf	PROPN
iiclr-25065	240	1	[	[	X
iiclr-25065	240	2	https://perma.cc/czd5-el22	https://perma.cc/czd5-el22	X
iiclr-25065	240	3	]	]	PUNCT
iiclr-25065	240	4	.	.	PUNCT
iiclr-25065	241	1	(	(	PUNCT
iiclr-25065	241	2	according	accord	VERB
iiclr-25065	241	3	to	to	ADP
iiclr-25065	241	4	the	the	DET
iiclr-25065	241	5	fca	fca	PROPN
iiclr-25065	241	6	,	,	PUNCT
iiclr-25065	241	7	during	during	ADP
iiclr-25065	241	8	the	the	DET
iiclr-25065	241	9	first	first	ADJ
iiclr-25065	241	10	ten	ten	NUM
iiclr-25065	241	11	months	month	NOUN
iiclr-25065	241	12	of	of	ADP
iiclr-25065	241	13	its	its	PRON
iiclr-25065	241	14	campaign	campaign	NOUN
iiclr-25065	241	15	,	,	PUNCT
iiclr-25065	241	16	it	it	PRON
iiclr-25065	241	17	received	receive	VERB
iiclr-25065	241	18	8.4	8.4	NUM
iiclr-25065	241	19	million	million	NUM
iiclr-25065	241	20	inquiries	inquiry	NOUN
iiclr-25065	241	21	,	,	PUNCT
iiclr-25065	241	22	an	an	DET
iiclr-25065	241	23	increase	increase	NOUN
iiclr-25065	241	24	of	of	ADP
iiclr-25065	241	25	40	40	NUM
iiclr-25065	241	26	%	%	NOUN
iiclr-25065	241	27	monthly	monthly	ADV
iiclr-25065	241	28	compared	compare	VERB
iiclr-25065	241	29	their	their	PRON
iiclr-25065	241	30	immediate	immediate	ADJ
iiclr-25065	241	31	pre	pre	ADJ
iiclr-25065	241	32	-	-	ADJ
iiclr-25065	241	33	campaign	campaign	ADJ
iiclr-25065	241	34	level	level	NOUN
iiclr-25065	241	35	,	,	PUNCT
iiclr-25065	241	36	while	while	SCONJ
iiclr-25065	241	37	consumers	consumer	NOUN
iiclr-25065	241	38	made	make	VERB
iiclr-25065	241	39	3.7	3.7	NUM
iiclr-25065	241	40	million	million	NUM
iiclr-25065	241	41	complaints	complaint	NOUN
iiclr-25065	241	42	,	,	PUNCT
iiclr-25065	241	43	63	63	NUM
iiclr-25065	241	44	%	%	NOUN
iiclr-25065	241	45	more	more	ADJ
iiclr-25065	241	46	than	than	ADP
iiclr-25065	241	47	in	in	ADP
iiclr-25065	241	48	the	the	DET
iiclr-25065	241	49	10	10	NUM
iiclr-25065	241	50	months	month	NOUN
iiclr-25065	241	51	before	before	ADP
iiclr-25065	241	52	the	the	DET
iiclr-25065	241	53	campaign	campaign	NOUN
iiclr-25065	241	54	)	)	PUNCT
iiclr-25065	241	55	(	(	PUNCT
iiclr-25065	241	56	one	one	PRON
iiclr-25065	241	57	can	can	AUX
iiclr-25065	241	58	view	view	VERB
iiclr-25065	241	59	an	an	DET
iiclr-25065	241	60	example	example	NOUN
iiclr-25065	241	61	of	of	ADP
iiclr-25065	241	62	a	a	DET
iiclr-25065	241	63	media	media	NOUN
iiclr-25065	241	64	campaign	campaign	NOUN
iiclr-25065	241	65	,	,	PUNCT
iiclr-25065	241	66	featuring	feature	VERB
iiclr-25065	241	67	a	a	DET
iiclr-25065	241	68	robotic	robotic	ADJ
iiclr-25065	241	69	head	head	NOUN
iiclr-25065	241	70	of	of	ADP
iiclr-25065	241	71	arnold	arnold	PROPN
iiclr-25065	241	72	schwarzenegger	schwarzenegger	PROPN
iiclr-25065	241	73	,	,	PUNCT
iiclr-25065	241	74	on	on	ADP
iiclr-25065	241	75	youtube	youtube	NOUN
iiclr-25065	241	76	at	at	ADP
iiclr-25065	241	77	https://www.youtube.com/watch?v=zs9wmhxz4ts	https://www.youtube.com/watch?v=zs9wmhxz4ts	NOUN
iiclr-25065	241	78	[	[	X
iiclr-25065	241	79	https://perma.cc/ulb8-cg2a	https://perma.cc/ulb8-cg2a	X
iiclr-25065	241	80	]	]	PUNCT
iiclr-25065	241	81	,	,	PUNCT
iiclr-25065	241	82	or	or	CCONJ
iiclr-25065	241	83	https://www.youtube.com/watch?v=cfwk0baafpk	https://www.youtube.com/watch?v=cfwk0baafpk	PRON
iiclr-25065	242	1	[	[	X
iiclr-25065	242	2	https://perma.cc/959q-v6cq	https://perma.cc/959q-v6cq	X
iiclr-25065	242	3	]	]	X
iiclr-25065	242	4	)	)	PUNCT
iiclr-25065	242	5	.	.	PUNCT
iiclr-25065	243	1	80	80	NUM
iiclr-25065	243	2	.	.	PUNCT
iiclr-25065	244	1	hodges	hodge	NOUN
iiclr-25065	244	2	&	&	CCONJ
iiclr-25065	244	3	voet	voet	PROPN
iiclr-25065	244	4	,	,	PUNCT
iiclr-25065	244	5	supra	supra	PROPN
iiclr-25065	244	6	note	note	NOUN
iiclr-25065	244	7	1	1	NUM
iiclr-25065	244	8	,	,	PUNCT
iiclr-25065	244	9	at	at	ADP
iiclr-25065	244	10	248	248	NUM
iiclr-25065	244	11	;	;	PUNCT
iiclr-25065	244	12	rebecca	rebecca	VERB
iiclr-25065	244	13	money	money	NOUN
iiclr-25065	244	14	-	-	PUNCT
iiclr-25065	244	15	kyrle	kyrle	NOUN
iiclr-25065	244	16	,	,	PUNCT
iiclr-25065	244	17	collective	collective	ADJ
iiclr-25065	244	18	enforcement	enforcement	NOUN
iiclr-25065	244	19	of	of	ADP
iiclr-25065	244	20	consumer	consumer	NOUN
iiclr-25065	244	21	rights	right	NOUN
iiclr-25065	244	22	in	in	ADP
iiclr-25065	244	23	the	the	DET
iiclr-25065	244	24	united	united	ADJ
iiclr-25065	244	25	kingdom	kingdom	PROPN
iiclr-25065	244	26	(	(	PUNCT
iiclr-25065	244	27	march	march	PROPN
iiclr-25065	244	28	01	01	NUM
iiclr-25065	244	29	,	,	PUNCT
iiclr-25065	244	30	2015	2015	NUM
iiclr-25065	244	31	)	)	PUNCT
iiclr-25065	244	32	(	(	PUNCT
iiclr-25065	244	33	referencing	reference	VERB
iiclr-25065	244	34	'	'	PUNCT
iiclr-25065	244	35	i	i	PRON
iiclr-25065	244	36	m	m	VERB
iiclr-25065	244	37	namen	namen	PROPN
iiclr-25065	244	38	des	des	PROPN
iiclr-25065	244	39	verbrauchers	verbrauchers	PROPN
iiclr-25065	244	40	?	?	PUNCT
iiclr-25065	245	1	kollective	kollective	PROPN
iiclr-25065	245	2	rechtsdurchsetzung	rechtsdurchsetzung	ADJ
iiclr-25065	245	3	in	in	ADP
iiclr-25065	245	4	europa	europa	PROPN
iiclr-25065	245	5	/	/	SYM
iiclr-25065	245	6	in	in	ADP
iiclr-25065	245	7	the	the	DET
iiclr-25065	245	8	name	name	NOUN
iiclr-25065	245	9	of	of	ADP
iiclr-25065	245	10	consumers	consumer	NOUN
iiclr-25065	245	11	?	?	PUNCT
iiclr-25065	246	1	collective	collective	ADJ
iiclr-25065	246	2	rights	right	NOUN
iiclr-25065	246	3	enforcement	enforcement	NOUN
iiclr-25065	246	4	in	in	ADP
iiclr-25065	246	5	europe	europe	PROPN
iiclr-25065	246	6	'	'	PART
iiclr-25065	246	7	,	,	PUNCT
iiclr-25065	246	8	schmidt	schmidt	PROPN
iiclr-25065	246	9	-	-	PUNCT
iiclr-25065	246	10	kessel	kessel	PROPN
iiclr-25065	246	11	m	m	PROPN
iiclr-25065	246	12	,	,	PUNCT
iiclr-25065	246	13	strünck	strünck	NOUN
iiclr-25065	246	14	c	c	PROPN
iiclr-25065	246	15	and	and	CCONJ
iiclr-25065	246	16	kramme	kramme	PROPN
iiclr-25065	246	17	m	m	PROPN
iiclr-25065	246	18	(	(	PUNCT
iiclr-25065	246	19	eds	ed	NOUN
iiclr-25065	246	20	)	)	PUNCT
iiclr-25065	246	21	,	,	PUNCT
iiclr-25065	246	22	jvw	jvw	NOUN
iiclr-25065	246	23	publishing	publishing	NOUN
iiclr-25065	246	24	(	(	PUNCT
iiclr-25065	246	25	2015	2015	NUM
iiclr-25065	246	26	)	)	PUNCT
iiclr-25065	246	27	,	,	PUNCT
iiclr-25065	247	1	https://ssrn.com/abstract=2661980	https://ssrn.com/abstract=2661980	PROPN
iiclr-25065	247	2	[	[	X
iiclr-25065	247	3	https://perma.cc/ct8rhttps://www.fca.org.uk/publication/consultation/understanding-ppi-redress-consumer-perspective.pdf	https://perma.cc/ct8rhttps://www.fca.org.uk/publication/consultation/understanding-ppi-redress-consumer-perspective.pdf	NOUN
iiclr-25065	247	4	https://www.fca.org.uk/publication/consultation/understanding-ppi-redress-consumer-perspective.pdf	https://www.fca.org.uk/publication/consultation/understanding-ppi-redress-consumer-perspective.pdf	NOUN
iiclr-25065	247	5	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	PROPN
iiclr-25065	247	6	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	https://www.fca.org.uk/publication/corporate/ppi-complaints-deadline-progress-report.pdf	PROPN
iiclr-25065	247	7	https://perma.cc/czd5-el22	https://perma.cc/czd5-el22	NOUN
iiclr-25065	247	8	https://www.youtube.com/watch?v=zs9wmhxz4ts	https://www.youtube.com/watch?v=zs9wmhxz4ts	VERB
iiclr-25065	247	9	https://www.youtube.com/watch?v=cfwk0baafpk	https://www.youtube.com/watch?v=cfwk0baafpk	NOUN
iiclr-25065	247	10	https://ssrn.com/abstract=2661980	https://ssrn.com/abstract=2661980	PROPN
iiclr-25065	247	11	https://perma.cc/ct8r-y3dg	https://perma.cc/ct8r-y3dg	PROPN
iiclr-25065	247	12	indiana	indiana	PROPN
iiclr-25065	247	13	int’l	int’l	NOUN
iiclr-25065	247	14	&	&	CCONJ
iiclr-25065	247	15	comp	comp	PROPN
iiclr-25065	247	16	.	.	PUNCT
iiclr-25065	248	1	law	law	NOUN
iiclr-25065	248	2	review	review	NOUN
iiclr-25065	249	1	[	[	X
iiclr-25065	249	2	vol	vol	NOUN
iiclr-25065	249	3	.	.	PUNCT
iiclr-25065	249	4	30:99	30:99	NUM
iiclr-25065	249	5	110	110	NUM
iiclr-25065	249	6	regulatory	regulatory	ADJ
iiclr-25065	249	7	,	,	PUNCT
iiclr-25065	249	8	and	and	CCONJ
iiclr-25065	249	9	ombudsman	ombudsman	ADJ
iiclr-25065	249	10	redress	redress	NOUN
iiclr-25065	249	11	,	,	PUNCT
iiclr-25065	249	12	”	"	PUNCT
iiclr-25065	249	13	and	and	CCONJ
iiclr-25065	249	14	notes	note	VERB
iiclr-25065	249	15	that	that	SCONJ
iiclr-25065	249	16	“	"	PUNCT
iiclr-25065	249	17	various	various	ADJ
iiclr-25065	249	18	techniques	technique	NOUN
iiclr-25065	249	19	can	can	AUX
iiclr-25065	249	20	be	be	AUX
iiclr-25065	249	21	integrated	integrate	VERB
iiclr-25065	249	22	into	into	ADP
iiclr-25065	249	23	a	a	DET
iiclr-25065	249	24	holistic	holistic	ADJ
iiclr-25065	249	25	practical	practical	ADJ
iiclr-25065	249	26	approach	approach	NOUN
iiclr-25065	249	27	.	.	PUNCT
iiclr-25065	249	28	”	"	PUNCT
iiclr-25065	250	1	81	81	NUM
iiclr-25065	250	2	the	the	DET
iiclr-25065	250	3	system	system	NOUN
iiclr-25065	250	4	makes	make	VERB
iiclr-25065	250	5	both	both	PRON
iiclr-25065	250	6	voluntary	voluntary	ADJ
iiclr-25065	250	7	redress	redress	NOUN
iiclr-25065	250	8	and	and	CCONJ
iiclr-25065	250	9	regulatory	regulatory	ADJ
iiclr-25065	250	10	redress	redress	NOUN
iiclr-25065	250	11	available	available	ADJ
iiclr-25065	250	12	to	to	ADP
iiclr-25065	250	13	consumers	consumer	NOUN
iiclr-25065	250	14	.	.	PUNCT
iiclr-25065	251	1	the	the	DET
iiclr-25065	251	2	redress	redress	NOUN
iiclr-25065	251	3	could	could	AUX
iiclr-25065	251	4	be	be	AUX
iiclr-25065	251	5	considered	consider	VERB
iiclr-25065	251	6	“	"	PUNCT
iiclr-25065	251	7	voluntary”82	voluntary”82	NOUN
iiclr-25065	251	8	in	in	ADP
iiclr-25065	251	9	a	a	DET
iiclr-25065	251	10	sense	sense	NOUN
iiclr-25065	251	11	that	that	SCONJ
iiclr-25065	251	12	it	it	PRON
iiclr-25065	251	13	first	first	ADV
iiclr-25065	251	14	asked	ask	VERB
iiclr-25065	251	15	consumers	consumer	NOUN
iiclr-25065	251	16	to	to	PART
iiclr-25065	251	17	file	file	VERB
iiclr-25065	251	18	a	a	DET
iiclr-25065	251	19	complaint	complaint	NOUN
iiclr-25065	251	20	with	with	ADP
iiclr-25065	251	21	the	the	DET
iiclr-25065	251	22	firms	firm	NOUN
iiclr-25065	251	23	(	(	PUNCT
iiclr-25065	251	24	rather	rather	ADV
iiclr-25065	251	25	than	than	ADP
iiclr-25065	251	26	the	the	DET
iiclr-25065	251	27	fos).83	fos).83	ADJ
iiclr-25065	251	28	also	also	ADV
iiclr-25065	251	29	,	,	PUNCT
iiclr-25065	251	30	in	in	ADP
iiclr-25065	251	31	an	an	DET
iiclr-25065	251	32	early	early	ADJ
iiclr-25065	251	33	stage	stage	NOUN
iiclr-25065	251	34	of	of	ADP
iiclr-25065	251	35	the	the	DET
iiclr-25065	251	36	ppi	ppi	NOUN
iiclr-25065	251	37	scandal	scandal	NOUN
iiclr-25065	251	38	,	,	PUNCT
iiclr-25065	251	39	the	the	DET
iiclr-25065	251	40	firms	firm	NOUN
iiclr-25065	251	41	“	"	PUNCT
iiclr-25065	251	42	voluntarily	voluntarily	ADV
iiclr-25065	251	43	”	"	PUNCT
iiclr-25065	251	44	repaid	repay	VERB
iiclr-25065	251	45	the	the	DET
iiclr-25065	251	46	consumers	consumer	NOUN
iiclr-25065	251	47	,	,	PUNCT
iiclr-25065	251	48	even	even	ADV
iiclr-25065	251	49	before	before	ADP
iiclr-25065	251	50	the	the	DET
iiclr-25065	251	51	fsa	fsa	PROPN
iiclr-25065	251	52	set	set	PROPN
iiclr-25065	251	53	guidelines	guideline	NOUN
iiclr-25065	251	54	and	and	CCONJ
iiclr-25065	251	55	rules	rule	NOUN
iiclr-25065	251	56	.	.	PUNCT
iiclr-25065	252	1	84	84	NUM
iiclr-25065	252	2	the	the	DET
iiclr-25065	252	3	plan	plan	NOUN
iiclr-25065	252	4	could	could	AUX
iiclr-25065	252	5	also	also	ADV
iiclr-25065	252	6	be	be	AUX
iiclr-25065	252	7	considered	consider	VERB
iiclr-25065	252	8	as	as	ADP
iiclr-25065	252	9	a	a	DET
iiclr-25065	252	10	“	"	PUNCT
iiclr-25065	252	11	regulatory	regulatory	ADJ
iiclr-25065	252	12	”	"	PUNCT
iiclr-25065	252	13	redress	redress	NOUN
iiclr-25065	252	14	because	because	SCONJ
iiclr-25065	252	15	in	in	ADP
iiclr-25065	252	16	both	both	DET
iiclr-25065	252	17	2010	2010	NUM
iiclr-25065	252	18	and	and	CCONJ
iiclr-25065	252	19	2017	2017	NUM
iiclr-25065	252	20	the	the	DET
iiclr-25065	252	21	fsa	fsa	PROPN
iiclr-25065	252	22	/	/	SYM
iiclr-25065	252	23	fca	fca	PROPN
iiclr-25065	252	24	amended	amend	VERB
iiclr-25065	252	25	its	its	PRON
iiclr-25065	252	26	handbook	handbook	NOUN
iiclr-25065	252	27	(	(	PUNCT
iiclr-25065	252	28	by	by	ADP
iiclr-25065	252	29	way	way	NOUN
iiclr-25065	252	30	of	of	ADP
iiclr-25065	252	31	policy	policy	NOUN
iiclr-25065	252	32	statements	statement	NOUN
iiclr-25065	252	33	10/12	10/12	NUM
iiclr-25065	252	34	and	and	CCONJ
iiclr-25065	252	35	17/3	17/3	NUM
iiclr-25065	252	36	)	)	PUNCT
iiclr-25065	252	37	and	and	CCONJ
iiclr-25065	252	38	set	set	VERB
iiclr-25065	252	39	rules	rule	NOUN
iiclr-25065	252	40	and	and	CCONJ
iiclr-25065	252	41	guidelines	guideline	NOUN
iiclr-25065	252	42	for	for	SCONJ
iiclr-25065	252	43	firms	firm	NOUN
iiclr-25065	252	44	to	to	PART
iiclr-25065	252	45	follow.85	follow.85	VERB
iiclr-25065	252	46	along	along	ADP
iiclr-25065	252	47	with	with	ADP
iiclr-25065	252	48	this	this	PRON
iiclr-25065	252	49	,	,	PUNCT
iiclr-25065	252	50	the	the	DET
iiclr-25065	252	51	fos	fos	NOUN
iiclr-25065	252	52	,	,	PUNCT
iiclr-25065	252	53	addressed	address	VERB
iiclr-25065	252	54	individual	individual	ADJ
iiclr-25065	252	55	claims	claim	NOUN
iiclr-25065	252	56	and	and	CCONJ
iiclr-25065	252	57	set	set	VERB
iiclr-25065	252	58	the	the	DET
iiclr-25065	252	59	redress	redress	NOUN
iiclr-25065	252	60	standards	standard	NOUN
iiclr-25065	252	61	for	for	ADP
iiclr-25065	252	62	them.86	them.86	NOUN
iiclr-25065	252	63	it	it	PRON
iiclr-25065	252	64	is	be	AUX
iiclr-25065	252	65	worth	worth	ADJ
iiclr-25065	252	66	noting	note	VERB
iiclr-25065	252	67	that	that	SCONJ
iiclr-25065	252	68	a	a	DET
iiclr-25065	252	69	collective	collective	ADJ
iiclr-25065	252	70	action	action	NOUN
iiclr-25065	252	71	litigation	litigation	NOUN
iiclr-25065	252	72	might	might	AUX
iiclr-25065	252	73	have	have	AUX
iiclr-25065	252	74	been	be	AUX
iiclr-25065	252	75	unfeasible	unfeasible	ADJ
iiclr-25065	252	76	or	or	CCONJ
iiclr-25065	252	77	very	very	ADV
iiclr-25065	252	78	ineffective	ineffective	ADJ
iiclr-25065	252	79	and	and	CCONJ
iiclr-25065	252	80	costly	costly	ADJ
iiclr-25065	252	81	in	in	ADP
iiclr-25065	252	82	this	this	DET
iiclr-25065	252	83	situation	situation	NOUN
iiclr-25065	252	84	,	,	PUNCT
iiclr-25065	252	85	because	because	SCONJ
iiclr-25065	252	86	authorities	authority	NOUN
iiclr-25065	252	87	would	would	AUX
iiclr-25065	252	88	have	have	AUX
iiclr-25065	252	89	had	have	VERB
iiclr-25065	252	90	to	to	PART
iiclr-25065	252	91	review	review	VERB
iiclr-25065	252	92	each	each	DET
iiclr-25065	252	93	“	"	PUNCT
iiclr-25065	252	94	mis	mis	NOUN
iiclr-25065	252	95	-	-	PUNCT
iiclr-25065	252	96	selling	selling	ADJ
iiclr-25065	252	97	”	"	PUNCT
iiclr-25065	252	98	case	case	NOUN
iiclr-25065	252	99	individually	individually	ADV
iiclr-25065	252	100	in	in	ADP
iiclr-25065	252	101	light	light	NOUN
iiclr-25065	252	102	of	of	ADP
iiclr-25065	252	103	its	its	PRON
iiclr-25065	252	104	specific	specific	ADJ
iiclr-25065	252	105	circumstances	circumstance	NOUN
iiclr-25065	252	106	;	;	PUNCT
iiclr-25065	252	107	for	for	ADP
iiclr-25065	252	108	example	example	NOUN
iiclr-25065	252	109	,	,	PUNCT
iiclr-25065	252	110	some	some	DET
iiclr-25065	252	111	consumers	consumer	NOUN
iiclr-25065	252	112	were	be	AUX
iiclr-25065	252	113	more	more	ADV
iiclr-25065	252	114	informed	informed	ADJ
iiclr-25065	252	115	than	than	ADP
iiclr-25065	252	116	others	other	NOUN
iiclr-25065	252	117	,	,	PUNCT
iiclr-25065	252	118	and	and	CCONJ
iiclr-25065	252	119	some	some	PRON
iiclr-25065	252	120	actually	actually	ADV
iiclr-25065	252	121	needed	need	VERB
iiclr-25065	252	122	the	the	DET
iiclr-25065	252	123	ppi	ppi	NOUN
iiclr-25065	252	124	while	while	SCONJ
iiclr-25065	252	125	others	other	NOUN
iiclr-25065	252	126	did	do	VERB
iiclr-25065	252	127	not.87	not.87	ADJ
iiclr-25065	252	128	it	it	PRON
iiclr-25065	252	129	would	would	AUX
iiclr-25065	252	130	have	have	AUX
iiclr-25065	252	131	been	be	AUX
iiclr-25065	252	132	difficult	difficult	ADJ
iiclr-25065	252	133	to	to	PART
iiclr-25065	252	134	put	put	VERB
iiclr-25065	252	135	the	the	DET
iiclr-25065	252	136	vast	vast	ADJ
iiclr-25065	252	137	variety	variety	NOUN
iiclr-25065	252	138	of	of	ADP
iiclr-25065	252	139	products	product	NOUN
iiclr-25065	252	140	and	and	CCONJ
iiclr-25065	252	141	sales	sale	NOUN
iiclr-25065	252	142	channels	channel	NOUN
iiclr-25065	252	143	involved	involve	VERB
iiclr-25065	252	144	into	into	ADP
iiclr-25065	252	145	one	one	NUM
iiclr-25065	252	146	“	"	PUNCT
iiclr-25065	252	147	class	class	NOUN
iiclr-25065	252	148	.	.	PUNCT
iiclr-25065	253	1	”88	”88	ADJ
iiclr-25065	253	2	as	as	ADP
iiclr-25065	253	3	such	such	ADJ
iiclr-25065	253	4	,	,	PUNCT
iiclr-25065	253	5	there	there	PRON
iiclr-25065	253	6	was	be	VERB
iiclr-25065	253	7	no	no	DET
iiclr-25065	253	8	evidence	evidence	NOUN
iiclr-25065	253	9	of	of	ADP
iiclr-25065	253	10	any	any	DET
iiclr-25065	253	11	attempt	attempt	NOUN
iiclr-25065	253	12	to	to	PART
iiclr-25065	253	13	establish	establish	VERB
iiclr-25065	253	14	a	a	DET
iiclr-25065	253	15	consumer	consumer	NOUN
iiclr-25065	253	16	class	class	NOUN
iiclr-25065	253	17	(	(	PUNCT
iiclr-25065	253	18	aggregated	aggregate	VERB
iiclr-25065	253	19	)	)	PUNCT
iiclr-25065	253	20	litigation	litigation	NOUN
iiclr-25065	253	21	,	,	PUNCT
iiclr-25065	253	22	nor	nor	CCONJ
iiclr-25065	253	23	of	of	ADP
iiclr-25065	253	24	parliamentary	parliamentary	ADJ
iiclr-25065	253	25	,	,	PUNCT
iiclr-25065	253	26	consumer	consumer	NOUN
iiclr-25065	253	27	,	,	PUNCT
iiclr-25065	253	28	or	or	CCONJ
iiclr-25065	253	29	other	other	ADJ
iiclr-25065	253	30	policy	policy	NOUN
iiclr-25065	253	31	calls	call	NOUN
iiclr-25065	253	32	to	to	PART
iiclr-25065	253	33	propose	propose	VERB
iiclr-25065	253	34	such	such	ADJ
iiclr-25065	253	35	class	class	NOUN
iiclr-25065	253	36	action	action	NOUN
iiclr-25065	253	37	-	-	PUNCT
iiclr-25065	253	38	related	relate	VERB
iiclr-25065	253	39	solution.89	solution.89	PROPN
iiclr-25065	253	40	b.	b.	PROPN
iiclr-25065	254	1	the	the	DET
iiclr-25065	254	2	united	united	PROPN
iiclr-25065	254	3	states	states	PROPN
iiclr-25065	254	4	in	in	ADP
iiclr-25065	254	5	the	the	DET
iiclr-25065	254	6	united	united	PROPN
iiclr-25065	254	7	states	states	PROPN
iiclr-25065	254	8	,	,	PUNCT
iiclr-25065	254	9	the	the	DET
iiclr-25065	254	10	consumer	consumer	NOUN
iiclr-25065	254	11	financial	financial	PROPN
iiclr-25065	254	12	protection	protection	PROPN
iiclr-25065	254	13	bureau	bureau	PROPN
iiclr-25065	254	14	(	(	PUNCT
iiclr-25065	254	15	“	"	PUNCT
iiclr-25065	254	16	cfpb	cfpb	NOUN
iiclr-25065	254	17	”	"	PUNCT
iiclr-25065	254	18	)	)	PUNCT
iiclr-25065	254	19	y3dg	y3dg	NOUN
iiclr-25065	254	20	]	]	X
iiclr-25065	254	21	,	,	PUNCT
iiclr-25065	254	22	(	(	PUNCT
iiclr-25065	254	23	commenting	comment	VERB
iiclr-25065	254	24	,	,	PUNCT
iiclr-25065	254	25	“	"	PUNCT
iiclr-25065	254	26	[	[	X
iiclr-25065	254	27	w]hilst	w]hilst	ADP
iiclr-25065	254	28	general	general	ADJ
iiclr-25065	254	29	criminal	criminal	ADJ
iiclr-25065	254	30	and	and	CCONJ
iiclr-25065	254	31	civil	civil	ADJ
iiclr-25065	254	32	justice	justice	NOUN
iiclr-25065	254	33	mechanisms	mechanism	NOUN
iiclr-25065	254	34	currently	currently	ADV
iiclr-25065	254	35	in	in	ADP
iiclr-25065	254	36	force	force	NOUN
iiclr-25065	254	37	have	have	AUX
iiclr-25065	254	38	failed	fail	VERB
iiclr-25065	254	39	to	to	PART
iiclr-25065	254	40	deliver	deliver	VERB
iiclr-25065	254	41	,	,	PUNCT
iiclr-25065	254	42	there	there	PRON
iiclr-25065	254	43	are	be	VERB
iiclr-25065	254	44	other	other	ADJ
iiclr-25065	254	45	administrative	administrative	ADJ
iiclr-25065	254	46	and	and	CCONJ
iiclr-25065	254	47	regulatory	regulatory	ADJ
iiclr-25065	254	48	routes	route	NOUN
iiclr-25065	254	49	that	that	PRON
iiclr-25065	254	50	provide	provide	VERB
iiclr-25065	254	51	avenues	avenue	NOUN
iiclr-25065	254	52	to	to	ADP
iiclr-25065	254	53	collective	collective	ADJ
iiclr-25065	254	54	enforcement	enforcement	NOUN
iiclr-25065	254	55	of	of	ADP
iiclr-25065	254	56	consumer	consumer	NOUN
iiclr-25065	254	57	rights	right	NOUN
iiclr-25065	254	58	in	in	ADP
iiclr-25065	254	59	the	the	DET
iiclr-25065	254	60	uk	uk	NOUN
iiclr-25065	254	61	”	"	PUNCT
iiclr-25065	254	62	)	)	PUNCT
iiclr-25065	254	63	)	)	PUNCT
iiclr-25065	254	64	.	.	PUNCT
iiclr-25065	255	1	81	81	NUM
iiclr-25065	255	2	.	.	PUNCT
iiclr-25065	256	1	hodges	hodges	PROPN
iiclr-25065	256	2	&	&	CCONJ
iiclr-25065	256	3	voet	voet	PROPN
iiclr-25065	256	4	,	,	PUNCT
iiclr-25065	256	5	supra	supra	PROPN
iiclr-25065	256	6	note	note	NOUN
iiclr-25065	256	7	1	1	NUM
iiclr-25065	256	8	,	,	PUNCT
iiclr-25065	256	9	at	at	ADP
iiclr-25065	256	10	252	252	NUM
iiclr-25065	256	11	.	.	PUNCT
iiclr-25065	256	12	82	82	NUM
iiclr-25065	256	13	.	.	PUNCT
iiclr-25065	256	14	hodges	hodges	PROPN
iiclr-25065	256	15	&	&	CCONJ
iiclr-25065	256	16	voet	voet	PROPN
iiclr-25065	256	17	,	,	PUNCT
iiclr-25065	256	18	supra	supra	PROPN
iiclr-25065	256	19	note	note	NOUN
iiclr-25065	256	20	1	1	NUM
iiclr-25065	256	21	,	,	PUNCT
iiclr-25065	256	22	at	at	ADP
iiclr-25065	256	23	254	254	NUM
iiclr-25065	256	24	.	.	PUNCT
iiclr-25065	256	25	83	83	NUM
iiclr-25065	256	26	.	.	PUNCT
iiclr-25065	256	27	see	see	VERB
iiclr-25065	256	28	national	national	ADJ
iiclr-25065	256	29	audit	audit	NOUN
iiclr-25065	256	30	office	office	NOUN
iiclr-25065	256	31	,	,	PUNCT
iiclr-25065	256	32	supra	supra	PROPN
iiclr-25065	256	33	note	note	VERB
iiclr-25065	256	34	50	50	NUM
iiclr-25065	256	35	,	,	PUNCT
iiclr-25065	256	36	at	at	ADP
iiclr-25065	256	37	10	10	NUM
iiclr-25065	256	38	,	,	PUNCT
iiclr-25065	256	39	84	84	NUM
iiclr-25065	256	40	.	.	PUNCT
iiclr-25065	257	1	see	see	VERB
iiclr-25065	257	2	hodges	hodges	PROPN
iiclr-25065	257	3	&	&	CCONJ
iiclr-25065	257	4	voet	voet	PROPN
iiclr-25065	257	5	,	,	PUNCT
iiclr-25065	257	6	supra	supra	PROPN
iiclr-25065	257	7	note	note	NOUN
iiclr-25065	257	8	1	1	NUM
iiclr-25065	257	9	,	,	PUNCT
iiclr-25065	257	10	at	at	ADP
iiclr-25065	257	11	254	254	NUM
iiclr-25065	257	12	.	.	PUNCT
iiclr-25065	257	13	85	85	NUM
iiclr-25065	257	14	.	.	PUNCT
iiclr-25065	258	1	see	see	VERB
iiclr-25065	258	2	hodges	hodges	PROPN
iiclr-25065	258	3	&	&	CCONJ
iiclr-25065	258	4	voet	voet	PROPN
iiclr-25065	258	5	,	,	PUNCT
iiclr-25065	258	6	supra	supra	PROPN
iiclr-25065	258	7	note	note	NOUN
iiclr-25065	258	8	1	1	NUM
iiclr-25065	258	9	,	,	PUNCT
iiclr-25065	258	10	at	at	ADP
iiclr-25065	258	11	254	254	NUM
iiclr-25065	258	12	-	-	SYM
iiclr-25065	258	13	56	56	NUM
iiclr-25065	258	14	.	.	NOUN
iiclr-25065	258	15	86	86	NUM
iiclr-25065	258	16	.	.	PUNCT
iiclr-25065	259	1	richard	richard	PROPN
iiclr-25065	259	2	thomas	thomas	PROPN
iiclr-25065	259	3	,	,	PUNCT
iiclr-25065	259	4	the	the	DET
iiclr-25065	259	5	impact	impact	NOUN
iiclr-25065	259	6	of	of	ADP
iiclr-25065	259	7	ppi	ppi	PROPN
iiclr-25065	259	8	mis	mi	NOUN
iiclr-25065	259	9	-	-	PUNCT
iiclr-25065	259	10	selling	selling	NOUN
iiclr-25065	259	11	on	on	ADP
iiclr-25065	259	12	the	the	DET
iiclr-25065	259	13	financial	financial	ADJ
iiclr-25065	259	14	ombudsman	ombudsman	NOUN
iiclr-25065	259	15	service	service	NOUN
iiclr-25065	259	16	,	,	PUNCT
iiclr-25065	259	17	24	24	NUM
iiclr-25065	259	18	-	-	SYM
iiclr-25065	259	19	25	25	NUM
iiclr-25065	259	20	(	(	PUNCT
iiclr-25065	259	21	2016	2016	NUM
iiclr-25065	259	22	)	)	PUNCT
iiclr-25065	259	23	,	,	PUNCT
iiclr-25065	259	24	https://www.financial-ombudsman.org.uk/files/17749/impact-of-ppi-mis-sellingreport.pdf	https://www.financial-ombudsman.org.uk/files/17749/impact-of-ppi-mis-sellingreport.pdf	NOUN
iiclr-25065	260	1	[	[	X
iiclr-25065	260	2	https://perma.cc/v6x9-qcps	https://perma.cc/v6x9-qcps	PROPN
iiclr-25065	260	3	]	]	X
iiclr-25065	260	4	.	.	PUNCT
iiclr-25065	261	1	87	87	NUM
iiclr-25065	261	2	.	.	PUNCT
iiclr-25065	262	1	emma	emma	PROPN
iiclr-25065	262	2	ann	ann	PROPN
iiclr-25065	262	3	hughes	hughes	PROPN
iiclr-25065	262	4	,	,	PUNCT
iiclr-25065	262	5	fca	fca	PROPN
iiclr-25065	262	6	hits	hit	VERB
iiclr-25065	262	7	back	back	ADV
iiclr-25065	262	8	at	at	ADP
iiclr-25065	262	9	claims	claim	NOUN
iiclr-25065	262	10	it	it	PRON
iiclr-25065	262	11	overwhelmed	overwhelm	VERB
iiclr-25065	262	12	fos	fos	NOUN
iiclr-25065	262	13	,	,	PUNCT
iiclr-25065	262	14	fy	fy	PROPN
iiclr-25065	262	15	advisor	advisor	PROPN
iiclr-25065	262	16	(	(	PUNCT
iiclr-25065	262	17	sept	sept	PROPN
iiclr-25065	262	18	.	.	PROPN
iiclr-25065	262	19	18	18	NUM
iiclr-25065	262	20	,	,	PUNCT
iiclr-25065	262	21	2018	2018	NUM
iiclr-25065	262	22	)	)	PUNCT
iiclr-25065	262	23	,	,	PUNCT
iiclr-25065	262	24	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-itoverwhelmed-fos/	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-itoverwhelmed-fos/	PROPN
iiclr-25065	262	25	[	[	X
iiclr-25065	262	26	https://perma.cc/84lu-t5x7	https://perma.cc/84lu-t5x7	X
iiclr-25065	262	27	]	]	X
iiclr-25065	262	28	(	(	PUNCT
iiclr-25065	262	29	the	the	DET
iiclr-25065	262	30	fca	fca	PROPN
iiclr-25065	262	31	stated	state	VERB
iiclr-25065	262	32	that	that	SCONJ
iiclr-25065	262	33	,	,	PUNCT
iiclr-25065	262	34	"	"	PUNCT
iiclr-25065	262	35	in	in	ADP
iiclr-25065	262	36	many	many	ADJ
iiclr-25065	262	37	instances	instance	NOUN
iiclr-25065	262	38	the	the	DET
iiclr-25065	262	39	nature	nature	NOUN
iiclr-25065	262	40	of	of	ADP
iiclr-25065	262	41	the	the	DET
iiclr-25065	262	42	(	(	PUNCT
iiclr-25065	262	43	ppi	ppi	NOUN
iiclr-25065	262	44	)	)	PUNCT
iiclr-25065	262	45	complaint	complaint	NOUN
iiclr-25065	262	46	is	be	AUX
iiclr-25065	262	47	quite	quite	ADV
iiclr-25065	262	48	specific	specific	ADJ
iiclr-25065	262	49	to	to	ADP
iiclr-25065	262	50	the	the	DET
iiclr-25065	262	51	individual	individual	NOUN
iiclr-25065	262	52	.	.	PUNCT
iiclr-25065	262	53	”	"	PUNCT
iiclr-25065	262	54	)	)	PUNCT
iiclr-25065	262	55	.	.	PUNCT
iiclr-25065	263	1	88	88	NUM
iiclr-25065	263	2	.	.	PUNCT
iiclr-25065	264	1	see	see	VERB
iiclr-25065	264	2	thomas	thomas	PROPN
iiclr-25065	264	3	,	,	PUNCT
iiclr-25065	264	4	supra	supra	PROPN
iiclr-25065	264	5	note	note	PROPN
iiclr-25065	264	6	86	86	NUM
iiclr-25065	264	7	,	,	PUNCT
iiclr-25065	264	8	at	at	ADP
iiclr-25065	264	9	6	6	NUM
iiclr-25065	264	10	(	(	PUNCT
iiclr-25065	264	11	discussing	discuss	VERB
iiclr-25065	264	12	the	the	DET
iiclr-25065	264	13	fos	fos	NOUN
iiclr-25065	264	14	’s	’s	PART
iiclr-25065	264	15	handling	handling	NOUN
iiclr-25065	264	16	of	of	ADP
iiclr-25065	264	17	complaints	complaint	NOUN
iiclr-25065	264	18	,	,	PUNCT
iiclr-25065	264	19	“	"	PUNCT
iiclr-25065	264	20	[	[	X
iiclr-25065	264	21	g]iven	g]iven	VERB
iiclr-25065	264	22	in	in	ADP
iiclr-25065	264	23	particular	particular	ADJ
iiclr-25065	264	24	the	the	DET
iiclr-25065	264	25	complexities	complexity	NOUN
iiclr-25065	264	26	of	of	ADP
iiclr-25065	264	27	ppi	ppi	NOUN
iiclr-25065	264	28	complaints	complaint	NOUN
iiclr-25065	264	29	,	,	PUNCT
iiclr-25065	264	30	there	there	PRON
iiclr-25065	264	31	would	would	AUX
iiclr-25065	264	32	have	have	AUX
iiclr-25065	264	33	been	be	AUX
iiclr-25065	264	34	significant	significant	ADJ
iiclr-25065	264	35	risks	risk	NOUN
iiclr-25065	264	36	from	from	ADP
iiclr-25065	264	37	excessive	excessive	ADJ
iiclr-25065	264	38	standardisation	standardisation	NOUN
iiclr-25065	264	39	in	in	ADP
iiclr-25065	264	40	terms	term	NOUN
iiclr-25065	264	41	of	of	ADP
iiclr-25065	264	42	unacceptable	unacceptable	ADJ
iiclr-25065	264	43	quality	quality	NOUN
iiclr-25065	264	44	,	,	PUNCT
iiclr-25065	264	45	inconsistency	inconsistency	NOUN
iiclr-25065	264	46	and	and	CCONJ
iiclr-25065	264	47	poor	poor	ADJ
iiclr-25065	264	48	customer	customer	NOUN
iiclr-25065	264	49	service	service	NOUN
iiclr-25065	264	50	.	.	PUNCT
iiclr-25065	264	51	.	.	PUNCT
iiclr-25065	264	52	.	.	PUNCT
iiclr-25065	264	53	.	.	PUNCT
iiclr-25065	265	1	[	[	X
iiclr-25065	265	2	a]ny	a]ny	NOUN
iiclr-25065	265	3	wholesale	wholesale	ADJ
iiclr-25065	265	4	attempt	attempt	NOUN
iiclr-25065	265	5	to	to	PART
iiclr-25065	265	6	group	group	NOUN
iiclr-25065	265	7	cases	case	NOUN
iiclr-25065	265	8	any	any	PRON
iiclr-25065	265	9	further	far	ADV
iiclr-25065	265	10	into	into	ADP
iiclr-25065	265	11	cohorts	cohort	NOUN
iiclr-25065	265	12	has	have	AUX
iiclr-25065	265	13	not	not	PART
iiclr-25065	265	14	been	be	AUX
iiclr-25065	265	15	,	,	PUNCT
iiclr-25065	265	16	and	and	CCONJ
iiclr-25065	265	17	is	be	AUX
iiclr-25065	265	18	unlikely	unlikely	ADJ
iiclr-25065	265	19	to	to	PART
iiclr-25065	265	20	be	be	AUX
iiclr-25065	265	21	,	,	PUNCT
iiclr-25065	265	22	a	a	DET
iiclr-25065	265	23	viable	viable	ADJ
iiclr-25065	265	24	option	option	NOUN
iiclr-25065	265	25	.	.	PUNCT
iiclr-25065	265	26	”	"	PUNCT
iiclr-25065	266	1	)	)	PUNCT
iiclr-25065	266	2	89	89	NUM
iiclr-25065	266	3	.	.	PUNCT
iiclr-25065	267	1	hodges	hodges	PROPN
iiclr-25065	267	2	&	&	CCONJ
iiclr-25065	267	3	voet	voet	PROPN
iiclr-25065	267	4	,	,	PUNCT
iiclr-25065	267	5	supra	supra	PROPN
iiclr-25065	267	6	note	note	NOUN
iiclr-25065	267	7	1	1	NUM
iiclr-25065	267	8	,	,	PUNCT
iiclr-25065	267	9	at	at	ADP
iiclr-25065	267	10	257	257	NUM
iiclr-25065	267	11	.	.	PUNCT
iiclr-25065	268	1	https://perma.cc/ct8r-y3dg	https://perma.cc/ct8r-y3dg	NOUN
iiclr-25065	268	2	https://www.financial-ombudsman.org.uk/files/17749/impact-of-ppi-mis-selling-report.pdf	https://www.financial-ombudsman.org.uk/files/17749/impact-of-ppi-mis-selling-report.pdf	PROPN
iiclr-25065	268	3	https://www.financial-ombudsman.org.uk/files/17749/impact-of-ppi-mis-selling-report.pdf	https://www.financial-ombudsman.org.uk/files/17749/impact-of-ppi-mis-selling-report.pdf	PROPN
iiclr-25065	268	4	https://perma.cc/v6x9-qcps	https://perma.cc/v6x9-qcps	PROPN
iiclr-25065	268	5	https://www.ftadviser.com/emma-ann-hughes/	https://www.ftadviser.com/emma-ann-hughes/	PROPN
iiclr-25065	268	6	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	PROPN
iiclr-25065	268	7	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	PROPN
iiclr-25065	268	8	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	PROPN
iiclr-25065	268	9	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	https://www.ftadviser.com/regulation/2018/09/11/fca-hits-back-at-claims-it-overwhelmed-fos/%20(the	PROPN
iiclr-25065	268	10	2019	2019	NUM
iiclr-25065	268	11	]	]	PUNCT
iiclr-25065	268	12	toward	toward	ADP
iiclr-25065	268	13	regulatory	regulatory	ADJ
iiclr-25065	268	14	mass	mass	NOUN
iiclr-25065	268	15	redress	redress	NOUN
iiclr-25065	268	16	schemes	scheme	NOUN
iiclr-25065	268	17	111	111	NUM
iiclr-25065	268	18	charged	charge	VERB
iiclr-25065	268	19	several	several	ADJ
iiclr-25065	268	20	banks	bank	NOUN
iiclr-25065	268	21	with	with	ADP
iiclr-25065	268	22	“	"	PUNCT
iiclr-25065	268	23	deceptive	deceptive	ADJ
iiclr-25065	268	24	acts	act	NOUN
iiclr-25065	268	25	or	or	CCONJ
iiclr-25065	268	26	practices	practice	NOUN
iiclr-25065	268	27	”	"	PUNCT
iiclr-25065	268	28	in	in	ADP
iiclr-25065	268	29	connection	connection	NOUN
iiclr-25065	268	30	with	with	ADP
iiclr-25065	268	31	their	their	PRON
iiclr-25065	268	32	marketing	marketing	NOUN
iiclr-25065	268	33	of	of	ADP
iiclr-25065	268	34	credit	credit	NOUN
iiclr-25065	268	35	card	card	NOUN
iiclr-25065	268	36	add	add	VERB
iiclr-25065	268	37	-	-	PUNCT
iiclr-25065	268	38	on	on	ADP
iiclr-25065	268	39	products.90	products.90	ADV
iiclr-25065	268	40	the	the	DET
iiclr-25065	268	41	cfpb	cfpb	NOUN
iiclr-25065	268	42	,	,	PUNCT
iiclr-25065	268	43	which	which	PRON
iiclr-25065	268	44	congress	congress	PROPN
iiclr-25065	268	45	created	create	VERB
iiclr-25065	268	46	as	as	ADP
iiclr-25065	268	47	a	a	DET
iiclr-25065	268	48	response	response	NOUN
iiclr-25065	268	49	to	to	ADP
iiclr-25065	268	50	the	the	DET
iiclr-25065	268	51	global	global	ADJ
iiclr-25065	268	52	financial	financial	ADJ
iiclr-25065	268	53	crisis	crisis	NOUN
iiclr-25065	268	54	of	of	ADP
iiclr-25065	268	55	2008	2008	NUM
iiclr-25065	268	56	,	,	PUNCT
iiclr-25065	268	57	issued	issue	VERB
iiclr-25065	268	58	several	several	ADJ
iiclr-25065	268	59	enforcement	enforcement	NOUN
iiclr-25065	268	60	actions	action	NOUN
iiclr-25065	268	61	ordering	order	VERB
iiclr-25065	268	62	consumer	consumer	NOUN
iiclr-25065	268	63	redress	redress	NOUN
iiclr-25065	268	64	for	for	ADP
iiclr-25065	268	65	such	such	ADJ
iiclr-25065	268	66	deceptive	deceptive	ADJ
iiclr-25065	268	67	selling	selling	NOUN
iiclr-25065	268	68	.	.	PUNCT
iiclr-25065	269	1	since	since	SCONJ
iiclr-25065	269	2	the	the	DET
iiclr-25065	269	3	very	very	ADJ
iiclr-25065	269	4	beginning	beginning	NOUN
iiclr-25065	269	5	of	of	ADP
iiclr-25065	269	6	the	the	DET
iiclr-25065	269	7	cfpb	cfpb	NOUN
iiclr-25065	269	8	’s	’s	PART
iiclr-25065	269	9	operations	operation	NOUN
iiclr-25065	269	10	,	,	PUNCT
iiclr-25065	269	11	it	it	PRON
iiclr-25065	269	12	has	have	AUX
iiclr-25065	269	13	embraced	embrace	VERB
iiclr-25065	269	14	its	its	PRON
iiclr-25065	269	15	role	role	NOUN
iiclr-25065	269	16	as	as	ADP
iiclr-25065	269	17	a	a	DET
iiclr-25065	269	18	financial	financial	ADJ
iiclr-25065	269	19	cop	cop	NOUN
iiclr-25065	269	20	,	,	PUNCT
iiclr-25065	269	21	even	even	ADV
iiclr-25065	269	22	describing	describe	VERB
iiclr-25065	269	23	itself	itself	PRON
iiclr-25065	269	24	as	as	ADP
iiclr-25065	269	25	a	a	DET
iiclr-25065	269	26	"	"	PUNCT
iiclr-25065	269	27	cop	cop	NOUN
iiclr-25065	269	28	on	on	ADP
iiclr-25065	269	29	the	the	DET
iiclr-25065	269	30	beat	beat	NOUN
iiclr-25065	269	31	.	.	PUNCT
iiclr-25065	270	1	"91	"91	NUM
iiclr-25065	271	1	as	as	ADP
iiclr-25065	271	2	such	such	ADJ
iiclr-25065	271	3	,	,	PUNCT
iiclr-25065	271	4	consumer	consumer	NOUN
iiclr-25065	271	5	redress	redress	NOUN
iiclr-25065	271	6	(	(	PUNCT
iiclr-25065	271	7	i.e.	i.e.	X
iiclr-25065	271	8	,	,	PUNCT
iiclr-25065	271	9	restitution	restitution	NOUN
iiclr-25065	271	10	or	or	CCONJ
iiclr-25065	271	11	consumer	consumer	NOUN
iiclr-25065	271	12	refund	refund	NOUN
iiclr-25065	271	13	)	)	PUNCT
iiclr-25065	271	14	has	have	AUX
iiclr-25065	271	15	been	be	AUX
iiclr-25065	271	16	an	an	DET
iiclr-25065	271	17	important	important	ADJ
iiclr-25065	271	18	component	component	NOUN
iiclr-25065	271	19	of	of	ADP
iiclr-25065	271	20	the	the	DET
iiclr-25065	271	21	cfpb	cfpb	NOUN
iiclr-25065	271	22	’s	’s	PART
iiclr-25065	271	23	enforcement	enforcement	NOUN
iiclr-25065	271	24	actions	action	NOUN
iiclr-25065	271	25	,	,	PUNCT
iiclr-25065	271	26	as	as	SCONJ
iiclr-25065	271	27	it	it	PRON
iiclr-25065	271	28	required	require	VERB
iiclr-25065	271	29	the	the	DET
iiclr-25065	271	30	banks	bank	NOUN
iiclr-25065	271	31	in	in	ADP
iiclr-25065	271	32	question	question	NOUN
iiclr-25065	271	33	to	to	PART
iiclr-25065	271	34	refund	refund	VERB
iiclr-25065	271	35	billions	billion	NOUN
iiclr-25065	271	36	of	of	ADP
iiclr-25065	271	37	customers	customer	NOUN
iiclr-25065	271	38	’	'	PUNCT
iiclr-25065	271	39	money.92	money.92	NOUN
iiclr-25065	271	40	(	(	PUNCT
iiclr-25065	271	41	1	1	NUM
iiclr-25065	271	42	)	)	PUNCT
iiclr-25065	271	43	misconduct	misconduct	NOUN
iiclr-25065	271	44	related	relate	VERB
iiclr-25065	271	45	to	to	ADP
iiclr-25065	271	46	credit	credit	NOUN
iiclr-25065	271	47	card	card	NOUN
iiclr-25065	271	48	add	add	VERB
iiclr-25065	271	49	-	-	PUNCT
iiclr-25065	271	50	on	on	ADP
iiclr-25065	271	51	product	product	NOUN
iiclr-25065	271	52	sales	sale	NOUN
iiclr-25065	271	53	credit	credit	NOUN
iiclr-25065	271	54	card	card	NOUN
iiclr-25065	271	55	add	add	VERB
iiclr-25065	271	56	-	-	PUNCT
iiclr-25065	271	57	on	on	ADP
iiclr-25065	271	58	products	product	NOUN
iiclr-25065	271	59	are	be	AUX
iiclr-25065	271	60	additional	additional	ADJ
iiclr-25065	271	61	,	,	PUNCT
iiclr-25065	271	62	optional	optional	ADJ
iiclr-25065	271	63	services	service	NOUN
iiclr-25065	271	64	that	that	PRON
iiclr-25065	271	65	credit	credit	NOUN
iiclr-25065	271	66	card	card	NOUN
iiclr-25065	271	67	companies	company	VERB
iiclr-25065	271	68	provide.93	provide.93	NOUN
iiclr-25065	271	69	banks	bank	NOUN
iiclr-25065	271	70	or	or	CCONJ
iiclr-25065	271	71	bank	bank	NOUN
iiclr-25065	271	72	-	-	PUNCT
iiclr-25065	271	73	authorized	authorize	VERB
iiclr-25065	271	74	third	third	ADJ
iiclr-25065	271	75	-	-	PUNCT
iiclr-25065	271	76	party	party	NOUN
iiclr-25065	271	77	vendors	vendor	NOUN
iiclr-25065	271	78	sold	sell	VERB
iiclr-25065	271	79	“	"	PUNCT
iiclr-25065	271	80	credit	credit	NOUN
iiclr-25065	271	81	protection	protection	NOUN
iiclr-25065	271	82	”	"	PUNCT
iiclr-25065	271	83	or	or	CCONJ
iiclr-25065	271	84	“	"	PUNCT
iiclr-25065	271	85	identity	identity	NOUN
iiclr-25065	271	86	monitoring	monitoring	NOUN
iiclr-25065	271	87	”	"	PUNCT
iiclr-25065	271	88	as	as	ADP
iiclr-25065	271	89	additions	addition	NOUN
iiclr-25065	271	90	to	to	ADP
iiclr-25065	271	91	a	a	DET
iiclr-25065	271	92	customer	customer	NOUN
iiclr-25065	271	93	’s	’s	PART
iiclr-25065	271	94	account.94	account.94	NOUN
iiclr-25065	271	95	there	there	PRON
iiclr-25065	271	96	was	be	VERB
iiclr-25065	271	97	a	a	DET
iiclr-25065	271	98	wide	wide	ADJ
iiclr-25065	271	99	variety	variety	NOUN
iiclr-25065	271	100	of	of	ADP
iiclr-25065	271	101	these	these	DET
iiclr-25065	271	102	products	product	NOUN
iiclr-25065	271	103	,	,	PUNCT
iiclr-25065	271	104	with	with	ADP
iiclr-25065	271	105	a	a	DET
iiclr-25065	271	106	diverse	diverse	ADJ
iiclr-25065	271	107	scope	scope	NOUN
iiclr-25065	271	108	and	and	CCONJ
iiclr-25065	271	109	design	design	NOUN
iiclr-25065	271	110	.	.	PUNCT
iiclr-25065	272	1	just	just	ADV
iiclr-25065	272	2	to	to	PART
iiclr-25065	272	3	give	give	VERB
iiclr-25065	272	4	one	one	NUM
iiclr-25065	272	5	example	example	NOUN
iiclr-25065	272	6	,	,	PUNCT
iiclr-25065	272	7	between	between	ADP
iiclr-25065	272	8	2010	2010	NUM
iiclr-25065	272	9	and	and	CCONJ
iiclr-25065	272	10	2012	2012	NUM
iiclr-25065	272	11	,	,	PUNCT
iiclr-25065	272	12	bank	bank	PROPN
iiclr-25065	272	13	of	of	ADP
iiclr-25065	272	14	america	america	PROPN
iiclr-25065	272	15	marketed	market	VERB
iiclr-25065	272	16	credit	credit	NOUN
iiclr-25065	272	17	card	card	NOUN
iiclr-25065	272	18	payment	payment	NOUN
iiclr-25065	272	19	protection	protection	NOUN
iiclr-25065	272	20	products	product	NOUN
iiclr-25065	272	21	that	that	PRON
iiclr-25065	272	22	allowed	allow	VERB
iiclr-25065	272	23	customers	customer	NOUN
iiclr-25065	272	24	to	to	PART
iiclr-25065	272	25	request	request	VERB
iiclr-25065	272	26	that	that	SCONJ
iiclr-25065	272	27	the	the	DET
iiclr-25065	272	28	bank	bank	NOUN
iiclr-25065	272	29	cancel	cancel	VERB
iiclr-25065	272	30	some	some	DET
iiclr-25065	272	31	amount	amount	NOUN
iiclr-25065	272	32	of	of	ADP
iiclr-25065	272	33	credit	credit	NOUN
iiclr-25065	272	34	card	card	NOUN
iiclr-25065	272	35	debt	debt	NOUN
iiclr-25065	272	36	in	in	ADP
iiclr-25065	272	37	the	the	DET
iiclr-25065	272	38	event	event	NOUN
iiclr-25065	272	39	of	of	ADP
iiclr-25065	272	40	certain	certain	ADJ
iiclr-25065	272	41	hardships	hardship	NOUN
iiclr-25065	272	42	,	,	PUNCT
iiclr-25065	272	43	like	like	ADP
iiclr-25065	272	44	involuntary	involuntary	ADJ
iiclr-25065	272	45	unemployment	unemployment	NOUN
iiclr-25065	272	46	or	or	CCONJ
iiclr-25065	272	47	disability	disability	NOUN
iiclr-25065	272	48	,	,	PUNCT
iiclr-25065	272	49	and	and	CCONJ
iiclr-25065	272	50	certain	certain	ADJ
iiclr-25065	272	51	life	life	NOUN
iiclr-25065	272	52	events	event	NOUN
iiclr-25065	272	53	,	,	PUNCT
iiclr-25065	272	54	such	such	ADJ
iiclr-25065	272	55	as	as	ADP
iiclr-25065	272	56	entering	enter	VERB
iiclr-25065	272	57	college	college	NOUN
iiclr-25065	272	58	or	or	CCONJ
iiclr-25065	272	59	retirement.95	retirement.95	VERB
iiclr-25065	272	60	this	this	DET
iiclr-25065	272	61	optional	optional	ADJ
iiclr-25065	272	62	coverage	coverage	NOUN
iiclr-25065	272	63	required	require	VERB
iiclr-25065	272	64	a	a	DET
iiclr-25065	272	65	monthly	monthly	ADJ
iiclr-25065	272	66	or	or	CCONJ
iiclr-25065	272	67	annual	annual	ADJ
iiclr-25065	272	68	membership	membership	NOUN
iiclr-25065	272	69	fee	fee	NOUN
iiclr-25065	272	70	but	but	CCONJ
iiclr-25065	272	71	the	the	DET
iiclr-25065	272	72	bank	bank	NOUN
iiclr-25065	272	73	did	do	AUX
iiclr-25065	272	74	not	not	PART
iiclr-25065	272	75	always	always	ADV
iiclr-25065	272	76	present	present	VERB
iiclr-25065	272	77	this	this	DET
iiclr-25065	272	78	90	90	NUM
iiclr-25065	272	79	.	.	PUNCT
iiclr-25065	272	80	steven	steven	PROPN
iiclr-25065	272	81	forry	forry	PROPN
iiclr-25065	272	82	,	,	PUNCT
iiclr-25065	272	83	2012	2012	NUM
iiclr-25065	272	84	:	:	PUNCT
iiclr-25065	272	85	the	the	DET
iiclr-25065	272	86	cfpb	cfpb	NOUN
iiclr-25065	272	87	set	set	VERB
iiclr-25065	272	88	its	its	PRON
iiclr-25065	272	89	sights	sight	NOUN
iiclr-25065	272	90	on	on	ADP
iiclr-25065	272	91	credit	credit	NOUN
iiclr-25065	272	92	card	card	NOUN
iiclr-25065	272	93	companies	company	NOUN
iiclr-25065	272	94	,	,	PUNCT
iiclr-25065	272	95	american	american	PROPN
iiclr-25065	272	96	bar	bar	PROPN
iiclr-25065	272	97	association	association	NOUN
iiclr-25065	272	98	(	(	PUNCT
iiclr-25065	272	99	2013	2013	NUM
iiclr-25065	272	100	)	)	PUNCT
iiclr-25065	272	101	,	,	PUNCT
iiclr-25065	272	102	https://www.americanbar.org/groups/business_law/publications/blt/	https://www.americanbar.org/groups/business_law/publications/blt/	PROPN
iiclr-25065	272	103	2013/03/02_forry/	2013/03/02_forry/	NUM
iiclr-25065	272	104	[	[	X
iiclr-25065	272	105	https://perma.cc/3dqq-wt3z	https://perma.cc/3dqq-wt3z	PROPN
iiclr-25065	272	106	]	]	PUNCT
iiclr-25065	272	107	;	;	PUNCT
iiclr-25065	272	108	see	see	AUX
iiclr-25065	272	109	also	also	ADV
iiclr-25065	272	110	consent	consent	VERB
iiclr-25065	272	111	order	order	NOUN
iiclr-25065	272	112	,	,	PUNCT
iiclr-25065	272	113	in	in	ADP
iiclr-25065	272	114	re	re	PROPN
iiclr-25065	272	115	bank	bank	PROPN
iiclr-25065	272	116	of	of	ADP
iiclr-25065	272	117	america	america	PROPN
iiclr-25065	272	118	,	,	PUNCT
iiclr-25065	272	119	;	;	PUNCT
iiclr-25065	272	120	and	and	CCONJ
iiclr-25065	272	121	fia	fia	PROPN
iiclr-25065	272	122	card	card	PROPN
iiclr-25065	272	123	services	services	PROPN
iiclr-25065	272	124	,	,	PUNCT
iiclr-25065	272	125	n.a	n.a	PROPN
iiclr-25065	272	126	.	.	PROPN
iiclr-25065	273	1	(	(	PUNCT
iiclr-25065	273	2	no	no	INTJ
iiclr-25065	273	3	.	.	NOUN
iiclr-25065	273	4	2014	2014	NUM
iiclr-25065	273	5	-	-	PUNCT
iiclr-25065	273	6	cfpb-0004	cfpb-0004	NOUN
iiclr-25065	273	7	)	)	PUNCT
iiclr-25065	273	8	(	(	PUNCT
iiclr-25065	273	9	apr	apr	NOUN
iiclr-25065	273	10	.	.	PROPN
iiclr-25065	273	11	9	9	NUM
iiclr-25065	273	12	,	,	PUNCT
iiclr-25065	273	13	2014	2014	NUM
iiclr-25065	273	14	)	)	PUNCT
iiclr-25065	274	1	[	[	X
iiclr-25065	274	2	hereinafter	hereinafter	NOUN
iiclr-25065	274	3	bank	bank	PROPN
iiclr-25065	274	4	of	of	ADP
iiclr-25065	274	5	america	america	PROPN
iiclr-25065	274	6	consent	consent	NOUN
iiclr-25065	274	7	order	order	NOUN
iiclr-25065	274	8	]	]	X
iiclr-25065	274	9	,	,	PUNCT
iiclr-25065	274	10	https://files.consumerfinance.gov/f/201404_cfpb_bankofamerica	https://files.consumerfinance.gov/f/201404_cfpb_bankofamerica	PROPN
iiclr-25065	274	11	_	_	SYM
iiclr-25065	274	12	consent-order.pdf	consent-order.pdf	X
iiclr-25065	275	1	[	[	X
iiclr-25065	275	2	https://perma.cc/5xdn-7hqm	https://perma.cc/5xdn-7hqm	X
iiclr-25065	275	3	]	]	X
iiclr-25065	275	4	;	;	PUNCT
iiclr-25065	275	5	consent	consent	NOUN
iiclr-25065	275	6	order	order	NOUN
iiclr-25065	275	7	,	,	PUNCT
iiclr-25065	275	8	in	in	ADP
iiclr-25065	275	9	re	re	X
iiclr-25065	275	10	first	first	PROPN
iiclr-25065	275	11	national	national	PROPN
iiclr-25065	275	12	bank	bank	PROPN
iiclr-25065	275	13	of	of	ADP
iiclr-25065	275	14	omaha	omaha	PROPN
iiclr-25065	275	15	(	(	PUNCT
iiclr-25065	275	16	no	no	INTJ
iiclr-25065	275	17	,	,	PUNCT
iiclr-25065	275	18	2016	2016	NUM
iiclr-25065	275	19	-	-	PUNCT
iiclr-25065	275	20	cfpb-0014	cfpb-0014	NOUN
iiclr-25065	275	21	)	)	PUNCT
iiclr-25065	275	22	(	(	PUNCT
iiclr-25065	275	23	aug	aug	PROPN
iiclr-25065	275	24	.	.	PROPN
iiclr-25065	275	25	25	25	NUM
iiclr-25065	275	26	,	,	PUNCT
iiclr-25065	275	27	2016	2016	NUM
iiclr-25065	275	28	)	)	PUNCT
iiclr-25065	275	29	,	,	PUNCT
iiclr-25065	276	1	[	[	X
iiclr-25065	276	2	hereinafter	hereinafter	NOUN
iiclr-25065	276	3	first	first	PROPN
iiclr-25065	276	4	national	national	PROPN
iiclr-25065	276	5	bank	bank	PROPN
iiclr-25065	276	6	consent	consent	NOUN
iiclr-25065	276	7	order	order	NOUN
iiclr-25065	276	8	]	]	PUNCT
iiclr-25065	276	9	,	,	PUNCT
iiclr-25065	276	10	https://files.consumerfinance.gov/f/documents/082016_cfpb_fnboconsentorder.pdf	https://files.consumerfinance.gov/f/documents/082016_cfpb_fnboconsentorder.pdf	PROPN
iiclr-25065	276	11	[	[	X
iiclr-25065	276	12	https://	https://	PROPN
iiclr-25065	276	13	perma.cc/7gl6-mngh	perma.cc/7gl6-mngh	NOUN
iiclr-25065	276	14	]	]	X
iiclr-25065	276	15	;	;	PUNCT
iiclr-25065	276	16	consent	consent	NOUN
iiclr-25065	276	17	order	order	NOUN
iiclr-25065	276	18	,	,	PUNCT
iiclr-25065	276	19	in	in	ADP
iiclr-25065	276	20	re	re	NOUN
iiclr-25065	276	21	capital	capital	NOUN
iiclr-25065	276	22	one	one	NUM
iiclr-25065	276	23	bank	bank	NOUN
iiclr-25065	276	24	,	,	PUNCT
iiclr-25065	276	25	(	(	PUNCT
iiclr-25065	276	26	usa	usa	PROPN
iiclr-25065	276	27	)	)	PUNCT
iiclr-25065	276	28	,	,	PUNCT
iiclr-25065	276	29	n.a	n.a	PROPN
iiclr-25065	276	30	.	.	PROPN
iiclr-25065	276	31	no	no	INTJ
iiclr-25065	276	32	.	.	PUNCT
iiclr-25065	277	1	(	(	PUNCT
iiclr-25065	277	2	2012	2012	NUM
iiclr-25065	277	3	-	-	PUNCT
iiclr-25065	277	4	cfpb0001	cfpb0001	PROPN
iiclr-25065	277	5	)	)	PUNCT
iiclr-25065	277	6	(	(	PUNCT
iiclr-25065	277	7	jul	jul	PROPN
iiclr-25065	277	8	,	,	PUNCT
iiclr-25065	277	9	18	18	NUM
iiclr-25065	277	10	,	,	PUNCT
iiclr-25065	277	11	2012	2012	NUM
iiclr-25065	277	12	)	)	PUNCT
iiclr-25065	277	13	,	,	PUNCT
iiclr-25065	278	1	[	[	X
iiclr-25065	278	2	hereinafter	hereinafter	NOUN
iiclr-25065	278	3	capital	capital	NOUN
iiclr-25065	278	4	one	one	NUM
iiclr-25065	278	5	bank	bank	NOUN
iiclr-25065	278	6	consent	consent	NOUN
iiclr-25065	278	7	order	order	NOUN
iiclr-25065	278	8	]	]	X
iiclr-25065	278	9	,	,	PUNCT
iiclr-25065	278	10	https://files	https://file	NOUN
iiclr-25065	278	11	.	.	PUNCT
iiclr-25065	278	12	consumerfinance.gov/f/201207_cfpb_consent_order_0001.pdf	consumerfinance.gov/f/201207_cfpb_consent_order_0001.pdf	NOUN
iiclr-25065	279	1	[	[	X
iiclr-25065	279	2	https://perma.cc/5f5m-v6xk	https://perma.cc/5f5m-v6xk	X
iiclr-25065	279	3	]	]	X
iiclr-25065	279	4	.	.	PUNCT
iiclr-25065	280	1	91	91	NUM
iiclr-25065	280	2	.	.	PUNCT
iiclr-25065	281	1	kevin	kevin	PROPN
iiclr-25065	281	2	m.	m.	PROPN
iiclr-25065	281	3	mcdonald	mcdonald	PROPN
iiclr-25065	281	4	,	,	PUNCT
iiclr-25065	281	5	who	who	PRON
iiclr-25065	281	6	's	be	AUX
iiclr-25065	281	7	policing	police	VERB
iiclr-25065	281	8	the	the	DET
iiclr-25065	281	9	financial	financial	ADJ
iiclr-25065	281	10	cop	cop	NOUN
iiclr-25065	281	11	on	on	ADP
iiclr-25065	281	12	the	the	DET
iiclr-25065	281	13	beat	beat	NOUN
iiclr-25065	281	14	a	a	DET
iiclr-25065	281	15	call	call	NOUN
iiclr-25065	281	16	for	for	ADP
iiclr-25065	281	17	judicial	judicial	ADJ
iiclr-25065	281	18	review	review	NOUN
iiclr-25065	281	19	of	of	ADP
iiclr-25065	281	20	the	the	DET
iiclr-25065	281	21	consumer	consumer	NOUN
iiclr-25065	281	22	financial	financial	PROPN
iiclr-25065	281	23	protection	protection	PROPN
iiclr-25065	281	24	bureau	bureau	NOUN
iiclr-25065	281	25	's	's	PART
iiclr-25065	281	26	non	non	ADJ
iiclr-25065	281	27	-	-	ADJ
iiclr-25065	281	28	legislative	legislative	ADJ
iiclr-25065	281	29	rules	rule	NOUN
iiclr-25065	281	30	,	,	PUNCT
iiclr-25065	281	31	35	35	NUM
iiclr-25065	281	32	rev	rev	X
iiclr-25065	281	33	.	.	PUNCT
iiclr-25065	281	34	banking	banking	NOUN
iiclr-25065	281	35	&	&	CCONJ
iiclr-25065	281	36	fin	fin	PROPN
iiclr-25065	281	37	.	.	PUNCT
iiclr-25065	282	1	l.	l.	PROPN
iiclr-25065	282	2	225	225	NUM
iiclr-25065	282	3	,	,	PUNCT
iiclr-25065	282	4	227	227	NUM
iiclr-25065	282	5	(	(	PUNCT
iiclr-25065	282	6	2015	2015	NUM
iiclr-25065	282	7	)	)	PUNCT
iiclr-25065	282	8	.	.	PUNCT
iiclr-25065	283	1	92	92	NUM
iiclr-25065	283	2	.	.	PUNCT
iiclr-25065	284	1	see	see	VERB
iiclr-25065	284	2	christopher	christopher	PROPN
iiclr-25065	284	3	l.	l.	PROPN
iiclr-25065	284	4	peterson	peterson	PROPN
iiclr-25065	284	5	,	,	PUNCT
iiclr-25065	284	6	consumer	consumer	NOUN
iiclr-25065	284	7	financial	financial	PROPN
iiclr-25065	284	8	protection	protection	PROPN
iiclr-25065	284	9	bureau	bureau	PROPN
iiclr-25065	284	10	law	law	NOUN
iiclr-25065	284	11	enforcement	enforcement	NOUN
iiclr-25065	284	12	:	:	PUNCT
iiclr-25065	284	13	an	an	DET
iiclr-25065	284	14	empirical	empirical	ADJ
iiclr-25065	284	15	review	review	NOUN
iiclr-25065	284	16	,	,	PUNCT
iiclr-25065	284	17	90	90	NUM
iiclr-25065	284	18	tul	tul	NOUN
iiclr-25065	284	19	.	.	PUNCT
iiclr-25065	284	20	l.	l.	PROPN
iiclr-25065	284	21	rev	rev	PROPN
iiclr-25065	284	22	.	.	PROPN
iiclr-25065	284	23	1057	1057	NUM
iiclr-25065	284	24	(	(	PUNCT
iiclr-25065	284	25	2016	2016	NUM
iiclr-25065	284	26	)	)	PUNCT
iiclr-25065	284	27	.	.	PUNCT
iiclr-25065	285	1	93	93	NUM
iiclr-25065	285	2	.	.	PUNCT
iiclr-25065	286	1	see	see	VERB
iiclr-25065	286	2	what	what	PRON
iiclr-25065	286	3	are	be	AUX
iiclr-25065	286	4	credit	credit	NOUN
iiclr-25065	286	5	card	card	NOUN
iiclr-25065	286	6	“	"	PUNCT
iiclr-25065	286	7	add	add	VERB
iiclr-25065	286	8	-	-	PUNCT
iiclr-25065	286	9	on	on	ADP
iiclr-25065	286	10	”	"	PUNCT
iiclr-25065	286	11	products	product	NOUN
iiclr-25065	286	12	?	?	PUNCT
iiclr-25065	286	13	,	,	PUNCT
iiclr-25065	287	1	consumer	consumer	NOUN
iiclr-25065	287	2	financial	financial	PROPN
iiclr-25065	287	3	protection	protection	PROPN
iiclr-25065	287	4	bureau	bureau	PROPN
iiclr-25065	287	5	(	(	PUNCT
iiclr-25065	287	6	aug	aug	PROPN
iiclr-25065	287	7	.	.	PROPN
iiclr-25065	287	8	8	8	NUM
iiclr-25065	287	9	,	,	PUNCT
iiclr-25065	287	10	2016	2016	NUM
iiclr-25065	287	11	)	)	PUNCT
iiclr-25065	287	12	,	,	PUNCT
iiclr-25065	287	13	https://www.consumerfinance.gov/ask-cfpb/what-are-credit-card-addon-products-en-1541/	https://www.consumerfinance.gov/ask-cfpb/what-are-credit-card-addon-products-en-1541/	X
iiclr-25065	287	14	[	[	X
iiclr-25065	287	15	https://perma.cc/l58d-s2e9	https://perma.cc/l58d-s2e9	X
iiclr-25065	287	16	]	]	X
iiclr-25065	287	17	.	.	PUNCT
iiclr-25065	288	1	94	94	NUM
iiclr-25065	288	2	.	.	PUNCT
iiclr-25065	289	1	i	i	PRON
iiclr-25065	289	2	d.	d.	PROPN
iiclr-25065	289	3	see	see	VERB
iiclr-25065	289	4	also	also	ADV
iiclr-25065	289	5	bank	bank	PROPN
iiclr-25065	289	6	of	of	ADP
iiclr-25065	289	7	america	america	PROPN
iiclr-25065	289	8	consent	consent	NOUN
iiclr-25065	289	9	order	order	NOUN
iiclr-25065	289	10	,	,	PUNCT
iiclr-25065	289	11	supra	supra	PROPN
iiclr-25065	289	12	note	note	NOUN
iiclr-25065	289	13	90	90	NUM
iiclr-25065	289	14	,	,	PUNCT
iiclr-25065	289	15	at	at	ADP
iiclr-25065	289	16	6	6	NUM
iiclr-25065	289	17	-	-	SYM
iiclr-25065	289	18	10	10	NUM
iiclr-25065	289	19	.	.	PUNCT
iiclr-25065	289	20	95	95	NUM
iiclr-25065	289	21	.	.	PUNCT
iiclr-25065	290	1	see	see	VERB
iiclr-25065	290	2	cfpb	cfpb	NOUN
iiclr-25065	290	3	orders	order	NOUN
iiclr-25065	290	4	bank	bank	PROPN
iiclr-25065	290	5	of	of	ADP
iiclr-25065	290	6	america	america	PROPN
iiclr-25065	290	7	to	to	PART
iiclr-25065	290	8	pay	pay	VERB
iiclr-25065	290	9	$	$	SYM
iiclr-25065	290	10	727	727	NUM
iiclr-25065	290	11	million	million	NUM
iiclr-25065	290	12	in	in	ADP
iiclr-25065	290	13	consumer	consumer	NOUN
iiclr-25065	290	14	relief	relief	NOUN
iiclr-25065	290	15	for	for	ADP
iiclr-25065	290	16	illegal	illegal	ADJ
iiclr-25065	290	17	credit	credit	NOUN
iiclr-25065	290	18	card	card	NOUN
iiclr-25065	290	19	practices	practice	NOUN
iiclr-25065	290	20	,	,	PUNCT
iiclr-25065	290	21	consumer	consumer	NOUN
iiclr-25065	290	22	financial	financial	PROPN
iiclr-25065	290	23	protection	protection	PROPN
iiclr-25065	290	24	bureau	bureau	PROPN
iiclr-25065	290	25	(	(	PUNCT
iiclr-25065	290	26	apr	apr	PROPN
iiclr-25065	290	27	.	.	PROPN
iiclr-25065	290	28	9	9	NUM
iiclr-25065	290	29	,	,	PUNCT
iiclr-25065	290	30	2014	2014	NUM
iiclr-25065	290	31	)	)	PUNCT
iiclr-25065	290	32	,	,	PUNCT
iiclr-25065	290	33	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-bank-of-america-to-pay727-million-in-consumer-relief-for-illegal-credit-card-practices/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-bank-of-america-to-pay727-million-in-consumer-relief-for-illegal-credit-card-practices/	PROPN
iiclr-25065	291	1	[	[	X
iiclr-25065	291	2	https://perma.cc/83pv-9sun	https://perma.cc/83pv-9sun	X
iiclr-25065	291	3	]	]	PUNCT
iiclr-25065	291	4	.	.	PUNCT
iiclr-25065	292	1	https://perma.cc/3dqq-wt3z	https://perma.cc/3dqq-wt3z	PROPN
iiclr-25065	292	2	https://www.consumerfinance.gov/ask-cfpb/what-are-credit-card-add-on-products-en-1541/	https://www.consumerfinance.gov/ask-cfpb/what-are-credit-card-add-on-products-en-1541/	VERB
iiclr-25065	292	3	https://www.consumerfinance.gov/ask-cfpb/what-are-credit-card-add-on-products-en-1541/	https://www.consumerfinance.gov/ask-cfpb/what-are-credit-card-add-on-products-en-1541/	VERB
iiclr-25065	292	4	https://perma.cc/l58d-s2e9	https://perma.cc/l58d-s2e9	VERB
iiclr-25065	292	5	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/	ADJ
iiclr-25065	292	6	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/	NOUN
iiclr-25065	292	7	https://perma.cc/83pv-9sun	https://perma.cc/83pv-9sun	PROPN
iiclr-25065	292	8	indiana	indiana	PROPN
iiclr-25065	292	9	int’l	int’l	NOUN
iiclr-25065	292	10	&	&	CCONJ
iiclr-25065	292	11	comp	comp	PROPN
iiclr-25065	292	12	.	.	PUNCT
iiclr-25065	293	1	law	law	NOUN
iiclr-25065	293	2	review	review	NOUN
iiclr-25065	294	1	[	[	X
iiclr-25065	294	2	vol	vol	NOUN
iiclr-25065	294	3	.	.	PUNCT
iiclr-25065	294	4	30:99	30:99	NUM
iiclr-25065	294	5	112	112	NUM
iiclr-25065	294	6	clearly	clearly	ADV
iiclr-25065	294	7	to	to	ADP
iiclr-25065	294	8	its	its	PRON
iiclr-25065	294	9	customers	customer	NOUN
iiclr-25065	294	10	,	,	PUNCT
iiclr-25065	294	11	and	and	CCONJ
iiclr-25065	294	12	engaged	engage	VERB
iiclr-25065	294	13	in	in	ADP
iiclr-25065	294	14	deceptive	deceptive	ADJ
iiclr-25065	294	15	practices	practice	NOUN
iiclr-25065	294	16	that	that	PRON
iiclr-25065	294	17	i	i	PRON
iiclr-25065	294	18	describe	describe	VERB
iiclr-25065	294	19	below	below	ADP
iiclr-25065	294	20	in	in	ADP
iiclr-25065	294	21	detail.96	detail.96	PROPN
iiclr-25065	294	22	cfpb	cfpb	NOUN
iiclr-25065	294	23	’s	’s	PART
iiclr-25065	294	24	supervisory	supervisory	ADJ
iiclr-25065	294	25	oversight	oversight	NOUN
iiclr-25065	294	26	discovered	discover	VERB
iiclr-25065	294	27	that	that	SCONJ
iiclr-25065	294	28	some	some	DET
iiclr-25065	294	29	banks	bank	NOUN
iiclr-25065	294	30	were	be	AUX
iiclr-25065	294	31	engaging	engage	VERB
iiclr-25065	294	32	in	in	ADP
iiclr-25065	294	33	high	high	ADJ
iiclr-25065	294	34	-	-	PUNCT
iiclr-25065	294	35	pressure	pressure	NOUN
iiclr-25065	294	36	,	,	PUNCT
iiclr-25065	294	37	confusing	confusing	ADJ
iiclr-25065	294	38	,	,	PUNCT
iiclr-25065	294	39	and	and	CCONJ
iiclr-25065	294	40	deceptive	deceptive	ADJ
iiclr-25065	294	41	promotional	promotional	ADJ
iiclr-25065	294	42	practices	practice	NOUN
iiclr-25065	294	43	when	when	SCONJ
iiclr-25065	294	44	marketing	market	VERB
iiclr-25065	294	45	the	the	DET
iiclr-25065	294	46	products	product	NOUN
iiclr-25065	294	47	,	,	PUNCT
iiclr-25065	294	48	including	include	VERB
iiclr-25065	294	49	the	the	DET
iiclr-25065	294	50	inadequate	inadequate	ADJ
iiclr-25065	294	51	disclosure	disclosure	NOUN
iiclr-25065	294	52	of	of	ADP
iiclr-25065	294	53	important	important	ADJ
iiclr-25065	294	54	terms	term	NOUN
iiclr-25065	294	55	and	and	CCONJ
iiclr-25065	294	56	conditions.97	conditions.97	NOUN
iiclr-25065	294	57	some	some	PRON
iiclr-25065	294	58	of	of	ADP
iiclr-25065	294	59	them	they	PRON
iiclr-25065	294	60	enrolled	enrol	VERB
iiclr-25065	294	61	consumers	consumer	NOUN
iiclr-25065	294	62	in	in	ADP
iiclr-25065	294	63	programs	program	NOUN
iiclr-25065	294	64	,	,	PUNCT
iiclr-25065	294	65	and	and	CCONJ
iiclr-25065	294	66	even	even	ADV
iiclr-25065	294	67	billed	bill	VERB
iiclr-25065	294	68	them	they	PRON
iiclr-25065	294	69	,	,	PUNCT
iiclr-25065	294	70	without	without	ADP
iiclr-25065	294	71	the	the	DET
iiclr-25065	294	72	customers	customer	NOUN
iiclr-25065	294	73	’	’	PART
iiclr-25065	294	74	affirmative	affirmative	ADJ
iiclr-25065	294	75	knowledge	knowledge	NOUN
iiclr-25065	294	76	or	or	CCONJ
iiclr-25065	294	77	consent	consent	NOUN
iiclr-25065	294	78	.	.	PUNCT
iiclr-25065	295	1	98	98	NUM
iiclr-25065	295	2	in	in	ADP
iiclr-25065	295	3	some	some	DET
iiclr-25065	295	4	cases	case	NOUN
iiclr-25065	295	5	,	,	PUNCT
iiclr-25065	295	6	a	a	DET
iiclr-25065	295	7	bank	bank	NOUN
iiclr-25065	295	8	would	would	AUX
iiclr-25065	295	9	bill	bill	VERB
iiclr-25065	295	10	consumers	consumer	NOUN
iiclr-25065	295	11	for	for	ADP
iiclr-25065	295	12	services	service	NOUN
iiclr-25065	295	13	that	that	PRON
iiclr-25065	295	14	it	it	PRON
iiclr-25065	295	15	had	have	AUX
iiclr-25065	295	16	not	not	PART
iiclr-25065	295	17	performed	perform	VERB
iiclr-25065	295	18	or	or	CCONJ
iiclr-25065	295	19	activated.99	activated.99	NOUN
iiclr-25065	295	20	cfpb	cfpb	NOUN
iiclr-25065	295	21	’s	’s	PART
iiclr-25065	295	22	consumer	consumer	NOUN
iiclr-25065	295	23	complaint	complaint	NOUN
iiclr-25065	295	24	database	database	NOUN
iiclr-25065	295	25	associated	associate	VERB
iiclr-25065	295	26	these	these	DET
iiclr-25065	295	27	deceptive	deceptive	ADJ
iiclr-25065	295	28	marketing	marketing	NOUN
iiclr-25065	295	29	and	and	CCONJ
iiclr-25065	295	30	sales	sale	NOUN
iiclr-25065	295	31	practices	practice	NOUN
iiclr-25065	295	32	with	with	ADP
iiclr-25065	295	33	credit	credit	NOUN
iiclr-25065	295	34	card	card	NOUN
iiclr-25065	295	35	add	add	VERB
iiclr-25065	295	36	-	-	PUNCT
iiclr-25065	295	37	on	on	ADP
iiclr-25065	295	38	products.100	products.100	NOUN
iiclr-25065	295	39	some	some	PRON
iiclr-25065	295	40	of	of	ADP
iiclr-25065	295	41	the	the	DET
iiclr-25065	295	42	sales	sale	NOUN
iiclr-25065	295	43	methods	method	NOUN
iiclr-25065	295	44	involved	involve	VERB
iiclr-25065	295	45	soliciting	solicit	VERB
iiclr-25065	295	46	via	via	ADP
iiclr-25065	295	47	telemarketing	telemarketing	NOUN
iiclr-25065	295	48	.	.	PUNCT
iiclr-25065	296	1	for	for	ADP
iiclr-25065	296	2	example	example	NOUN
iiclr-25065	296	3	,	,	PUNCT
iiclr-25065	296	4	in	in	ADP
iiclr-25065	296	5	the	the	DET
iiclr-25065	296	6	bank	bank	PROPN
iiclr-25065	296	7	of	of	ADP
iiclr-25065	296	8	america	america	PROPN
iiclr-25065	296	9	case	case	NOUN
iiclr-25065	296	10	,	,	PUNCT
iiclr-25065	296	11	the	the	DET
iiclr-25065	296	12	bank	bank	NOUN
iiclr-25065	296	13	’s	’s	PART
iiclr-25065	296	14	call	call	NOUN
iiclr-25065	296	15	center	center	NOUN
iiclr-25065	296	16	representatives	representative	NOUN
iiclr-25065	296	17	(	(	PUNCT
iiclr-25065	296	18	“	"	PUNCT
iiclr-25065	296	19	csrs	csrs	X
iiclr-25065	296	20	”	"	PUNCT
iiclr-25065	296	21	)	)	PUNCT
iiclr-25065	296	22	solicited	solicit	VERB
iiclr-25065	296	23	the	the	DET
iiclr-25065	296	24	cardholders	cardholder	NOUN
iiclr-25065	296	25	who	who	PRON
iiclr-25065	296	26	called	call	VERB
iiclr-25065	296	27	the	the	DET
iiclr-25065	296	28	bank	bank	NOUN
iiclr-25065	296	29	to	to	PART
iiclr-25065	296	30	activate	activate	VERB
iiclr-25065	296	31	their	their	PRON
iiclr-25065	296	32	cards	card	NOUN
iiclr-25065	296	33	,	,	PUNCT
iiclr-25065	296	34	encouraging	encourage	VERB
iiclr-25065	296	35	them	they	PRON
iiclr-25065	296	36	to	to	PART
iiclr-25065	296	37	enroll	enroll	VERB
iiclr-25065	296	38	in	in	ADP
iiclr-25065	296	39	the	the	DET
iiclr-25065	296	40	add	add	VERB
iiclr-25065	296	41	-	-	PUNCT
iiclr-25065	296	42	on	on	ADP
iiclr-25065	296	43	products.101	products.101	PROPN
iiclr-25065	296	44	bank	bank	NOUN
iiclr-25065	296	45	of	of	ADP
iiclr-25065	296	46	america	america	PROPN
iiclr-25065	296	47	misled	mislead	VERB
iiclr-25065	296	48	some	some	DET
iiclr-25065	296	49	consumers	consumer	NOUN
iiclr-25065	296	50	about	about	ADP
iiclr-25065	296	51	the	the	DET
iiclr-25065	296	52	enrollment	enrollment	NOUN
iiclr-25065	296	53	process	process	NOUN
iiclr-25065	296	54	for	for	ADP
iiclr-25065	296	55	these	these	DET
iiclr-25065	296	56	products	product	NOUN
iiclr-25065	296	57	,	,	PUNCT
iiclr-25065	296	58	telling	tell	VERB
iiclr-25065	296	59	them	they	PRON
iiclr-25065	296	60	that	that	SCONJ
iiclr-25065	296	61	there	there	PRON
iiclr-25065	296	62	were	be	VERB
iiclr-25065	296	63	additional	additional	ADJ
iiclr-25065	296	64	steps	step	NOUN
iiclr-25065	296	65	necessary	necessary	ADJ
iiclr-25065	296	66	in	in	ADP
iiclr-25065	296	67	order	order	NOUN
iiclr-25065	296	68	to	to	PART
iiclr-25065	296	69	enroll	enroll	VERB
iiclr-25065	296	70	,	,	PUNCT
iiclr-25065	296	71	while	while	SCONJ
iiclr-25065	296	72	in	in	ADP
iiclr-25065	296	73	reality	reality	NOUN
iiclr-25065	296	74	,	,	PUNCT
iiclr-25065	296	75	it	it	PRON
iiclr-25065	296	76	was	be	AUX
iiclr-25065	296	77	registering	register	VERB
iiclr-25065	296	78	these	these	DET
iiclr-25065	296	79	consumers	consumer	NOUN
iiclr-25065	296	80	in	in	ADP
iiclr-25065	296	81	the	the	DET
iiclr-25065	296	82	add	add	VERB
iiclr-25065	296	83	-	-	PUNCT
iiclr-25065	296	84	on	on	ADP
iiclr-25065	296	85	products	product	NOUN
iiclr-25065	296	86	during	during	ADP
iiclr-25065	296	87	these	these	DET
iiclr-25065	296	88	calls	call	NOUN
iiclr-25065	296	89	,	,	PUNCT
iiclr-25065	296	90	and	and	CCONJ
iiclr-25065	296	91	charging	charge	VERB
iiclr-25065	296	92	the	the	DET
iiclr-25065	296	93	unsuspecting	unsuspecting	ADJ
iiclr-25065	296	94	customers	customer	NOUN
iiclr-25065	296	95	for	for	ADP
iiclr-25065	296	96	them.102	them.102	NOUN
iiclr-25065	296	97	(	(	PUNCT
iiclr-25065	296	98	2	2	NUM
iiclr-25065	296	99	)	)	PUNCT
iiclr-25065	296	100	regulator	regulator	NOUN
iiclr-25065	296	101	’s	’s	PART
iiclr-25065	296	102	response	response	NOUN
iiclr-25065	296	103	and	and	CCONJ
iiclr-25065	296	104	consumer	consumer	NOUN
iiclr-25065	296	105	redress	redress	NOUN
iiclr-25065	296	106	one	one	NUM
iiclr-25065	296	107	of	of	ADP
iiclr-25065	296	108	the	the	DET
iiclr-25065	296	109	cfpb	cfpb	NOUN
iiclr-25065	296	110	’s	’s	PART
iiclr-25065	296	111	first	first	ADJ
iiclr-25065	296	112	enforcement	enforcement	NOUN
iiclr-25065	296	113	actions	action	NOUN
iiclr-25065	296	114	,	,	PUNCT
iiclr-25065	296	115	in	in	ADP
iiclr-25065	296	116	2012	2012	NUM
iiclr-25065	296	117	,	,	PUNCT
iiclr-25065	296	118	was	be	AUX
iiclr-25065	296	119	against	against	ADP
iiclr-25065	296	120	the	the	DET
iiclr-25065	296	121	deceptive	deceptive	ADJ
iiclr-25065	296	122	selling	selling	NOUN
iiclr-25065	296	123	of	of	ADP
iiclr-25065	296	124	credit	credit	NOUN
iiclr-25065	296	125	card	card	NOUN
iiclr-25065	296	126	add	add	VERB
iiclr-25065	296	127	-	-	PUNCT
iiclr-25065	296	128	on	on	ADP
iiclr-25065	296	129	products.103	products.103	NOUN
iiclr-25065	296	130	the	the	DET
iiclr-25065	296	131	action	action	NOUN
iiclr-25065	296	132	stemmed	stem	VERB
iiclr-25065	296	133	from	from	ADP
iiclr-25065	296	134	an	an	DET
iiclr-25065	296	135	examination	examination	NOUN
iiclr-25065	296	136	that	that	PRON
iiclr-25065	296	137	identified	identify	VERB
iiclr-25065	296	138	the	the	DET
iiclr-25065	296	139	deceptive	deceptive	ADJ
iiclr-25065	296	140	marketing	marketing	NOUN
iiclr-25065	296	141	tactics	tactic	NOUN
iiclr-25065	296	142	of	of	ADP
iiclr-25065	296	143	capital	capital	PROPN
iiclr-25065	296	144	one	one	NUM
iiclr-25065	296	145	bank	bank	NOUN
iiclr-25065	296	146	(	(	PUNCT
iiclr-25065	296	147	u.s.a	u.s.a	PROPN
iiclr-25065	296	148	.	.	PUNCT
iiclr-25065	296	149	)	)	PUNCT
iiclr-25065	296	150	,	,	PUNCT
iiclr-25065	296	151	n.a	n.a	PROPN
iiclr-25065	296	152	.	.	PROPN
iiclr-25065	296	153	’s	’s	PART
iiclr-25065	296	154	vendors	vendor	NOUN
iiclr-25065	296	155	,	,	PUNCT
iiclr-25065	296	156	who	who	PRON
iiclr-25065	296	157	pressured	pressure	VERB
iiclr-25065	296	158	or	or	CCONJ
iiclr-25065	296	159	mislead	mislead	VERB
iiclr-25065	296	160	consumers	consumer	NOUN
iiclr-25065	296	161	into	into	ADP
iiclr-25065	296	162	paying	pay	VERB
iiclr-25065	296	163	for	for	ADP
iiclr-25065	296	164	“	"	PUNCT
iiclr-25065	296	165	add	add	VERB
iiclr-25065	296	166	-	-	PUNCT
iiclr-25065	296	167	on	on	ADP
iiclr-25065	296	168	products	product	NOUN
iiclr-25065	296	169	”	"	PUNCT
iiclr-25065	296	170	such	such	ADJ
iiclr-25065	296	171	as	as	ADP
iiclr-25065	296	172	payment	payment	NOUN
iiclr-25065	296	173	protection	protection	NOUN
iiclr-25065	296	174	and	and	CCONJ
iiclr-25065	296	175	credit	credit	NOUN
iiclr-25065	296	176	monitoring	monitoring	NOUN
iiclr-25065	296	177	when	when	SCONJ
iiclr-25065	296	178	they	they	PRON
iiclr-25065	296	179	96	96	NUM
iiclr-25065	296	180	.	.	PUNCT
iiclr-25065	297	1	consumer	consumer	NOUN
iiclr-25065	297	2	financial	financial	PROPN
iiclr-25065	297	3	protection	protection	PROPN
iiclr-25065	297	4	bureau	bureau	PROPN
iiclr-25065	298	1	,	,	PUNCT
iiclr-25065	298	2	supra	supra	PROPN
iiclr-25065	298	3	note	note	NOUN
iiclr-25065	298	4	93	93	NUM
iiclr-25065	298	5	.	.	PUNCT
iiclr-25065	299	1	97	97	NUM
iiclr-25065	299	2	.	.	PUNCT
iiclr-25065	299	3	bulletin	bulletin	PROPN
iiclr-25065	299	4	re	re	NOUN
iiclr-25065	299	5	:	:	PUNCT
iiclr-25065	299	6	marketing	marketing	NOUN
iiclr-25065	299	7	of	of	ADP
iiclr-25065	299	8	credit	credit	NOUN
iiclr-25065	299	9	card	card	NOUN
iiclr-25065	299	10	add	add	VERB
iiclr-25065	299	11	-	-	PUNCT
iiclr-25065	299	12	on	on	ADP
iiclr-25065	299	13	products	product	NOUN
iiclr-25065	299	14	,	,	PUNCT
iiclr-25065	299	15	cfpb	cfpb	NOUN
iiclr-25065	299	16	bulletin	bulletin	NOUN
iiclr-25065	299	17	2012	2012	NUM
iiclr-25065	299	18	-	-	SYM
iiclr-25065	299	19	06	06	NUM
iiclr-25065	299	20	,	,	PUNCT
iiclr-25065	299	21	consumer	consumer	NOUN
iiclr-25065	299	22	financial	financial	PROPN
iiclr-25065	299	23	protection	protection	PROPN
iiclr-25065	299	24	bureau	bureau	PROPN
iiclr-25065	299	25	,	,	PUNCT
iiclr-25065	299	26	(	(	PUNCT
iiclr-25065	299	27	jul	jul	PROPN
iiclr-25065	299	28	.	.	PROPN
iiclr-25065	299	29	18	18	NUM
iiclr-25065	299	30	.	.	NOUN
iiclr-25065	299	31	2012	2012	NUM
iiclr-25065	299	32	)	)	PUNCT
iiclr-25065	299	33	,	,	PUNCT
iiclr-25065	300	1	[	[	X
iiclr-25065	300	2	hereinafter	hereinafter	NOUN
iiclr-25065	300	3	cfpb	cfpb	NOUN
iiclr-25065	300	4	bulletin	bulletin	NOUN
iiclr-25065	300	5	]	]	X
iiclr-25065	300	6	,	,	PUNCT
iiclr-25065	300	7	https://files.consumerfinance.gov/f/201207_cfpb_bulletin_marketing_of_credit_card_addon_pro	https://files.consumerfinance.gov/f/201207_cfpb_bulletin_marketing_of_credit_card_addon_pro	ADP
iiclr-25065	300	8	ducts.pdf	ducts.pdf	NOUN
iiclr-25065	300	9	[	[	X
iiclr-25065	300	10	https://perma.cc/eu8a-jdgu	https://perma.cc/eu8a-jdgu	X
iiclr-25065	300	11	]	]	PUNCT
iiclr-25065	300	12	.	.	PUNCT
iiclr-25065	301	1	see	see	VERB
iiclr-25065	301	2	also	also	ADV
iiclr-25065	301	3	consumer	consumer	NOUN
iiclr-25065	301	4	financial	financial	PROPN
iiclr-25065	301	5	protection	protection	PROPN
iiclr-25065	301	6	bureau	bureau	PROPN
iiclr-25065	301	7	,	,	PUNCT
iiclr-25065	301	8	supra	supra	PROPN
iiclr-25065	301	9	note	note	PROPN
iiclr-25065	301	10	94	94	NUM
iiclr-25065	301	11	;	;	PUNCT
iiclr-25065	301	12	bank	bank	PROPN
iiclr-25065	301	13	of	of	ADP
iiclr-25065	301	14	america	america	PROPN
iiclr-25065	301	15	consent	consent	NOUN
iiclr-25065	301	16	order	order	NOUN
iiclr-25065	301	17	,	,	PUNCT
iiclr-25065	301	18	supra	supra	PROPN
iiclr-25065	301	19	note	note	NOUN
iiclr-25065	301	20	90	90	NUM
iiclr-25065	301	21	,	,	PUNCT
iiclr-25065	301	22	at	at	ADP
iiclr-25065	301	23	7	7	NUM
iiclr-25065	301	24	-	-	SYM
iiclr-25065	301	25	8	8	NUM
iiclr-25065	301	26	;	;	PUNCT
iiclr-25065	301	27	capital	capital	NOUN
iiclr-25065	301	28	one	one	NUM
iiclr-25065	301	29	bank	bank	NOUN
iiclr-25065	301	30	consent	consent	NOUN
iiclr-25065	301	31	order	order	NOUN
iiclr-25065	301	32	,	,	PUNCT
iiclr-25065	301	33	supra	supra	PROPN
iiclr-25065	301	34	note	note	NOUN
iiclr-25065	301	35	90	90	NUM
iiclr-25065	301	36	,	,	PUNCT
iiclr-25065	301	37	at	at	ADP
iiclr-25065	301	38	4	4	NUM
iiclr-25065	301	39	-	-	SYM
iiclr-25065	301	40	7	7	NUM
iiclr-25065	301	41	;	;	PUNCT
iiclr-25065	301	42	first	first	PROPN
iiclr-25065	301	43	national	national	PROPN
iiclr-25065	301	44	bank	bank	PROPN
iiclr-25065	301	45	consent	consent	NOUN
iiclr-25065	301	46	order	order	NOUN
iiclr-25065	301	47	,	,	PUNCT
iiclr-25065	301	48	supra	supra	PROPN
iiclr-25065	301	49	note	note	NOUN
iiclr-25065	301	50	90	90	NUM
iiclr-25065	301	51	,	,	PUNCT
iiclr-25065	301	52	at	at	ADP
iiclr-25065	301	53	7	7	NUM
iiclr-25065	301	54	-	-	SYM
iiclr-25065	301	55	8	8	NUM
iiclr-25065	301	56	;	;	PUNCT
iiclr-25065	301	57	98	98	NUM
iiclr-25065	301	58	.	.	PUNCT
iiclr-25065	301	59	cfpb	cfpb	PROPN
iiclr-25065	301	60	bulletin	bulletin	NOUN
iiclr-25065	301	61	,	,	PUNCT
iiclr-25065	301	62	supra	supra	PROPN
iiclr-25065	301	63	note	note	NOUN
iiclr-25065	301	64	97	97	NUM
iiclr-25065	301	65	.	.	PUNCT
iiclr-25065	302	1	see	see	AUX
iiclr-25065	302	2	also	also	ADV
iiclr-25065	302	3	capital	capital	VERB
iiclr-25065	302	4	one	one	NUM
iiclr-25065	302	5	bank	bank	NOUN
iiclr-25065	302	6	consent	consent	NOUN
iiclr-25065	302	7	order	order	NOUN
iiclr-25065	302	8	,	,	PUNCT
iiclr-25065	302	9	supra	supra	PROPN
iiclr-25065	302	10	note	note	NOUN
iiclr-25065	302	11	90	90	NUM
iiclr-25065	302	12	,	,	PUNCT
iiclr-25065	302	13	at	at	ADP
iiclr-25065	302	14	6	6	NUM
iiclr-25065	302	15	.	.	SYM
iiclr-25065	302	16	99	99	NUM
iiclr-25065	302	17	.	.	PUNCT
iiclr-25065	302	18	cfpb	cfpb	PROPN
iiclr-25065	302	19	bulletin	bulletin	NOUN
iiclr-25065	302	20	,	,	PUNCT
iiclr-25065	302	21	supra	supra	PROPN
iiclr-25065	302	22	note	note	NOUN
iiclr-25065	302	23	97	97	NUM
iiclr-25065	302	24	.	.	NOUN
iiclr-25065	302	25	100	100	NUM
iiclr-25065	302	26	.	.	PUNCT
iiclr-25065	303	1	i	i	PRON
iiclr-25065	303	2	d.	d.	PROPN
iiclr-25065	303	3	101	101	NUM
iiclr-25065	303	4	.	.	PUNCT
iiclr-25065	304	1	bank	bank	PROPN
iiclr-25065	304	2	of	of	ADP
iiclr-25065	304	3	america	america	PROPN
iiclr-25065	304	4	consent	consent	NOUN
iiclr-25065	304	5	order	order	NOUN
iiclr-25065	304	6	,	,	PUNCT
iiclr-25065	304	7	supra	supra	PROPN
iiclr-25065	304	8	note	note	NOUN
iiclr-25065	304	9	90	90	NUM
iiclr-25065	304	10	,	,	PUNCT
iiclr-25065	304	11	at	at	ADP
iiclr-25065	304	12	7	7	NUM
iiclr-25065	304	13	.	.	NOUN
iiclr-25065	304	14	102	102	NUM
iiclr-25065	304	15	.	.	PUNCT
iiclr-25065	305	1	i	i	PRON
iiclr-25065	305	2	d.	d.	PROPN
iiclr-25065	305	3	see	see	VERB
iiclr-25065	305	4	also	also	ADV
iiclr-25065	305	5	consumer	consumer	NOUN
iiclr-25065	305	6	financial	financial	PROPN
iiclr-25065	305	7	protection	protection	PROPN
iiclr-25065	305	8	bureau	bureau	PROPN
iiclr-25065	305	9	,	,	PUNCT
iiclr-25065	305	10	supra	supra	PROPN
iiclr-25065	305	11	note	note	NOUN
iiclr-25065	305	12	95	95	NUM
iiclr-25065	305	13	.	.	PUNCT
iiclr-25065	305	14	103	103	NUM
iiclr-25065	305	15	.	.	PUNCT
iiclr-25065	306	1	see	see	VERB
iiclr-25065	306	2	cfpb	cfpb	NOUN
iiclr-25065	306	3	probe	probe	NOUN
iiclr-25065	306	4	into	into	ADP
iiclr-25065	306	5	capital	capital	NOUN
iiclr-25065	306	6	one	one	NUM
iiclr-25065	306	7	credit	credit	NOUN
iiclr-25065	306	8	card	card	NOUN
iiclr-25065	306	9	marketing	marketing	NOUN
iiclr-25065	306	10	results	result	NOUN
iiclr-25065	306	11	in	in	ADP
iiclr-25065	306	12	$	$	SYM
iiclr-25065	306	13	140	140	NUM
iiclr-25065	306	14	million	million	NUM
iiclr-25065	306	15	consumer	consumer	NOUN
iiclr-25065	306	16	refund	refund	NOUN
iiclr-25065	306	17	,	,	PUNCT
iiclr-25065	306	18	consumer	consumer	NOUN
iiclr-25065	306	19	financial	financial	PROPN
iiclr-25065	306	20	protection	protection	PROPN
iiclr-25065	306	21	bureau	bureau	PROPN
iiclr-25065	306	22	(	(	PUNCT
iiclr-25065	306	23	july	july	PROPN
iiclr-25065	306	24	18	18	NUM
iiclr-25065	306	25	,	,	PUNCT
iiclr-25065	306	26	2012	2012	NUM
iiclr-25065	306	27	)	)	PUNCT
iiclr-25065	306	28	,	,	PUNCT
iiclr-25065	306	29	https://www.consumerfinance.gov/about-us/newsroom/cfpb-capital-one-probe/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-capital-one-probe/	NOUN
iiclr-25065	306	30	[	[	X
iiclr-25065	306	31	https://perma.cc/vrz2-qqsp	https://perma.cc/vrz2-qqsp	PROPN
iiclr-25065	306	32	]	]	PUNCT
iiclr-25065	306	33	.	.	PUNCT
iiclr-25065	307	1	https://perma.cc/eu8a-jdgu	https://perma.cc/eu8a-jdgu	PROPN
iiclr-25065	307	2	https://www.consumerfinance.gov/about-us/newsroom/cfpb-capital-one-probe/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-capital-one-probe/	NOUN
iiclr-25065	307	3	https://perma.cc/vrz2-qqsp	https://perma.cc/vrz2-qqsp	PROPN
iiclr-25065	307	4	2019	2019	NUM
iiclr-25065	307	5	]	]	PUNCT
iiclr-25065	307	6	toward	toward	ADP
iiclr-25065	307	7	regulatory	regulatory	ADJ
iiclr-25065	307	8	mass	mass	NOUN
iiclr-25065	307	9	redress	redress	NOUN
iiclr-25065	307	10	schemes	scheme	NOUN
iiclr-25065	307	11	113	113	NUM
iiclr-25065	307	12	activated	activate	VERB
iiclr-25065	307	13	their	their	PRON
iiclr-25065	307	14	credit	credit	NOUN
iiclr-25065	307	15	cards.104	cards.104	NOUN
iiclr-25065	307	16	in	in	ADP
iiclr-25065	307	17	this	this	DET
iiclr-25065	307	18	action	action	NOUN
iiclr-25065	307	19	,	,	PUNCT
iiclr-25065	307	20	the	the	DET
iiclr-25065	307	21	cfpb	cfpb	NOUN
iiclr-25065	307	22	ordered	order	VERB
iiclr-25065	307	23	capital	capital	NOUN
iiclr-25065	307	24	one	one	NUM
iiclr-25065	307	25	to	to	PART
iiclr-25065	307	26	refund	refund	VERB
iiclr-25065	307	27	approximately	approximately	ADV
iiclr-25065	307	28	$	$	SYM
iiclr-25065	307	29	140	140	NUM
iiclr-25065	307	30	million	million	NUM
iiclr-25065	307	31	to	to	ADP
iiclr-25065	307	32	two	two	NUM
iiclr-25065	307	33	million	million	NUM
iiclr-25065	307	34	customers	customer	NOUN
iiclr-25065	307	35	and	and	CCONJ
iiclr-25065	307	36	to	to	PART
iiclr-25065	307	37	pay	pay	VERB
iiclr-25065	307	38	an	an	DET
iiclr-25065	307	39	additional	additional	ADJ
iiclr-25065	307	40	$	$	SYM
iiclr-25065	307	41	25	25	NUM
iiclr-25065	307	42	million	million	NUM
iiclr-25065	307	43	penalty	penalty	NOUN
iiclr-25065	307	44	to	to	ADP
iiclr-25065	307	45	the	the	DET
iiclr-25065	307	46	cfpb	cfpb	NOUN
iiclr-25065	307	47	’s	’s	PART
iiclr-25065	307	48	civil	civil	ADJ
iiclr-25065	307	49	penalty	penalty	NOUN
iiclr-25065	307	50	fund	fund	NOUN
iiclr-25065	307	51	.	.	PUNCT
iiclr-25065	308	1	105the	105the	DET
iiclr-25065	308	2	cfpb	cfpb	NOUN
iiclr-25065	308	3	grounded	ground	VERB
iiclr-25065	308	4	its	its	PRON
iiclr-25065	308	5	enforcement	enforcement	NOUN
iiclr-25065	308	6	actions	action	NOUN
iiclr-25065	308	7	on	on	ADP
iiclr-25065	308	8	sections	section	NOUN
iiclr-25065	308	9	1053	1053	NUM
iiclr-25065	308	10	and	and	CCONJ
iiclr-25065	308	11	1055	1055	NUM
iiclr-25065	308	12	of	of	ADP
iiclr-25065	308	13	the	the	DET
iiclr-25065	308	14	consumer	consumer	NOUN
iiclr-25065	308	15	financial	financial	PROPN
iiclr-25065	308	16	protection	protection	PROPN
iiclr-25065	308	17	act	act	NOUN
iiclr-25065	308	18	of	of	ADP
iiclr-25065	308	19	2010	2010	NUM
iiclr-25065	308	20	(	(	PUNCT
iiclr-25065	308	21	cfpa).106	cfpa).106	VERB
iiclr-25065	308	22	together	together	ADV
iiclr-25065	308	23	with	with	ADP
iiclr-25065	308	24	this	this	DET
iiclr-25065	308	25	first	first	ADJ
iiclr-25065	308	26	enforcement	enforcement	NOUN
iiclr-25065	308	27	action	action	NOUN
iiclr-25065	308	28	,	,	PUNCT
iiclr-25065	308	29	the	the	DET
iiclr-25065	308	30	cfpb	cfpb	NOUN
iiclr-25065	308	31	also	also	ADV
iiclr-25065	308	32	exercised	exercise	VERB
iiclr-25065	308	33	its	its	PRON
iiclr-25065	308	34	supervisory	supervisory	ADJ
iiclr-25065	308	35	powers	power	NOUN
iiclr-25065	308	36	by	by	ADP
iiclr-25065	308	37	issuing	issue	VERB
iiclr-25065	308	38	cfpb	cfpb	NOUN
iiclr-25065	308	39	bulletin	bulletin	NOUN
iiclr-25065	308	40	2012	2012	NUM
iiclr-25065	308	41	-	-	SYM
iiclr-25065	308	42	16	16	NUM
iiclr-25065	308	43	,	,	PUNCT
iiclr-25065	308	44	“	"	PUNCT
iiclr-25065	308	45	marketing	marketing	NOUN
iiclr-25065	308	46	of	of	ADP
iiclr-25065	308	47	credit	credit	NOUN
iiclr-25065	308	48	card	card	NOUN
iiclr-25065	308	49	add	add	VERB
iiclr-25065	308	50	-	-	PUNCT
iiclr-25065	308	51	on	on	ADP
iiclr-25065	308	52	products	product	NOUN
iiclr-25065	308	53	.	.	PUNCT
iiclr-25065	308	54	”107	”107	PUNCT
iiclr-25065	309	1	the	the	DET
iiclr-25065	309	2	bulletin	bulletin	NOUN
iiclr-25065	309	3	,	,	PUNCT
iiclr-25065	309	4	outlines	outline	VERB
iiclr-25065	309	5	the	the	DET
iiclr-25065	309	6	cfpb	cfpb	NOUN
iiclr-25065	309	7	’s	’s	PART
iiclr-25065	309	8	expectations	expectation	NOUN
iiclr-25065	309	9	for	for	ADP
iiclr-25065	309	10	institutions	institution	NOUN
iiclr-25065	309	11	under	under	ADP
iiclr-25065	309	12	its	its	PRON
iiclr-25065	309	13	supervision	supervision	NOUN
iiclr-25065	309	14	and	and	CCONJ
iiclr-25065	309	15	their	their	PRON
iiclr-25065	309	16	service	service	NOUN
iiclr-25065	309	17	providers	provider	NOUN
iiclr-25065	309	18	to	to	PART
iiclr-25065	309	19	offer	offer	VERB
iiclr-25065	309	20	credit	credit	NOUN
iiclr-25065	309	21	card	card	NOUN
iiclr-25065	309	22	add	add	VERB
iiclr-25065	309	23	-	-	PUNCT
iiclr-25065	309	24	on	on	ADP
iiclr-25065	309	25	products	product	NOUN
iiclr-25065	309	26	in	in	ADP
iiclr-25065	309	27	compliance	compliance	NOUN
iiclr-25065	309	28	with	with	ADP
iiclr-25065	309	29	federal	federal	ADJ
iiclr-25065	309	30	consumer	consumer	NOUN
iiclr-25065	309	31	financial	financial	NOUN
iiclr-25065	309	32	law.108	law.108	VERB
iiclr-25065	309	33	the	the	DET
iiclr-25065	309	34	cfpb	cfpb	NOUN
iiclr-25065	309	35	presents	present	VERB
iiclr-25065	309	36	guidelines	guideline	NOUN
iiclr-25065	309	37	regarding	regard	VERB
iiclr-25065	309	38	marketing	marketing	NOUN
iiclr-25065	309	39	materials	material	NOUN
iiclr-25065	309	40	,	,	PUNCT
iiclr-25065	309	41	employee	employee	NOUN
iiclr-25065	309	42	incentive	incentive	NOUN
iiclr-25065	309	43	or	or	CCONJ
iiclr-25065	309	44	compensation	compensation	NOUN
iiclr-25065	309	45	programs	program	NOUN
iiclr-25065	309	46	,	,	PUNCT
iiclr-25065	309	47	and	and	CCONJ
iiclr-25065	309	48	scripts	script	NOUN
iiclr-25065	309	49	and	and	CCONJ
iiclr-25065	309	50	manuals	manual	NOUN
iiclr-25065	309	51	related	relate	VERB
iiclr-25065	309	52	to	to	ADP
iiclr-25065	309	53	credit	credit	NOUN
iiclr-25065	309	54	card	card	NOUN
iiclr-25065	309	55	add	add	VERB
iiclr-25065	309	56	-	-	PUNCT
iiclr-25065	309	57	on	on	ADP
iiclr-25065	309	58	products.109	products.109	VERB
iiclr-25065	309	59	in	in	ADP
iiclr-25065	309	60	addition	addition	NOUN
iiclr-25065	309	61	,	,	PUNCT
iiclr-25065	309	62	the	the	DET
iiclr-25065	309	63	bulletin	bulletin	NOUN
iiclr-25065	309	64	stipulates	stipulate	VERB
iiclr-25065	309	65	that	that	SCONJ
iiclr-25065	309	66	“	"	PUNCT
iiclr-25065	309	67	institutions	institution	NOUN
iiclr-25065	309	68	that	that	PRON
iiclr-25065	309	69	offer	offer	VERB
iiclr-25065	309	70	credit	credit	NOUN
iiclr-25065	309	71	card	card	NOUN
iiclr-25065	309	72	add	add	VERB
iiclr-25065	309	73	-	-	PUNCT
iiclr-25065	309	74	on	on	ADP
iiclr-25065	309	75	products	product	NOUN
iiclr-25065	309	76	should	should	AUX
iiclr-25065	309	77	employ	employ	VERB
iiclr-25065	309	78	compliance	compliance	NOUN
iiclr-25065	309	79	management	management	NOUN
iiclr-25065	309	80	programs”110	programs”110	NOUN
iiclr-25065	309	81	that	that	PRON
iiclr-25065	309	82	include	include	VERB
iiclr-25065	309	83	certain	certain	ADJ
iiclr-25065	309	84	items	item	NOUN
iiclr-25065	309	85	that	that	PRON
iiclr-25065	309	86	are	be	AUX
iiclr-25065	309	87	intended	intend	VERB
iiclr-25065	309	88	to	to	PART
iiclr-25065	309	89	provide	provide	VERB
iiclr-25065	309	90	guidance	guidance	NOUN
iiclr-25065	309	91	for	for	ADP
iiclr-25065	309	92	financial	financial	ADJ
iiclr-25065	309	93	companies	company	NOUN
iiclr-25065	309	94	to	to	ADP
iiclr-25065	309	95	follow.111	follow.111	PROPN
iiclr-25065	309	96	after	after	ADP
iiclr-25065	309	97	the	the	DET
iiclr-25065	309	98	initial	initial	ADJ
iiclr-25065	309	99	enforcement	enforcement	NOUN
iiclr-25065	309	100	action	action	NOUN
iiclr-25065	309	101	against	against	ADP
iiclr-25065	309	102	capital	capital	NOUN
iiclr-25065	309	103	one	one	NUM
iiclr-25065	309	104	bank	bank	NOUN
iiclr-25065	309	105	,	,	PUNCT
iiclr-25065	309	106	the	the	DET
iiclr-25065	309	107	cfpb	cfpb	NOUN
iiclr-25065	309	108	issued	issue	VERB
iiclr-25065	309	109	a	a	DET
iiclr-25065	309	110	series	series	NOUN
iiclr-25065	309	111	of	of	ADP
iiclr-25065	309	112	subsequent	subsequent	ADJ
iiclr-25065	309	113	actions	action	NOUN
iiclr-25065	309	114	ordering	order	VERB
iiclr-25065	309	115	financial	financial	ADJ
iiclr-25065	309	116	companies	company	NOUN
iiclr-25065	309	117	to	to	PART
iiclr-25065	309	118	repay	repay	VERB
iiclr-25065	309	119	consumers	consumer	NOUN
iiclr-25065	309	120	for	for	ADP
iiclr-25065	309	121	deceptive	deceptive	ADJ
iiclr-25065	309	122	marketing.112	marketing.112	ADJ
iiclr-25065	309	123	in	in	ADP
iiclr-25065	309	124	2013	2013	NUM
iiclr-25065	309	125	,	,	PUNCT
iiclr-25065	309	126	it	it	PRON
iiclr-25065	309	127	required	require	VERB
iiclr-25065	309	128	american	american	PROPN
iiclr-25065	309	129	express	express	VERB
iiclr-25065	309	130	to	to	PART
iiclr-25065	309	131	refund	refund	VERB
iiclr-25065	309	132	an	an	DET
iiclr-25065	309	133	estimated	estimate	VERB
iiclr-25065	309	134	$	$	SYM
iiclr-25065	309	135	59.5	59.5	NUM
iiclr-25065	309	136	million	million	NUM
iiclr-25065	309	137	to	to	ADP
iiclr-25065	309	138	more	more	ADJ
iiclr-25065	309	139	than	than	ADP
iiclr-25065	309	140	335,000	335,000	NUM
iiclr-25065	309	141	consumers	consumer	NOUN
iiclr-25065	309	142	because	because	SCONJ
iiclr-25065	309	143	of	of	ADP
iiclr-25065	309	144	deceptive	deceptive	ADJ
iiclr-25065	309	145	marketing	marketing	NOUN
iiclr-25065	309	146	concerning	concern	VERB
iiclr-25065	309	147	credit	credit	NOUN
iiclr-25065	309	148	card	card	NOUN
iiclr-25065	309	149	add	add	VERB
iiclr-25065	309	150	-	-	PUNCT
iiclr-25065	309	151	on	on	ADP
iiclr-25065	309	152	products.113	products.113	NOUN
iiclr-25065	309	153	in	in	ADP
iiclr-25065	309	154	2015	2015	NUM
iiclr-25065	309	155	,	,	PUNCT
iiclr-25065	309	156	citibank	citibank	PROPN
iiclr-25065	309	157	paid	pay	VERB
iiclr-25065	309	158	$	$	SYM
iiclr-25065	309	159	700	700	NUM
iiclr-25065	309	160	million	million	NUM
iiclr-25065	309	161	to	to	ADP
iiclr-25065	309	162	about	about	ADV
iiclr-25065	309	163	seven	seven	NUM
iiclr-25065	309	164	million	million	NUM
iiclr-25065	309	165	consumers	consumer	NOUN
iiclr-25065	309	166	in	in	ADP
iiclr-25065	309	167	relief	relief	NOUN
iiclr-25065	309	168	for	for	ADP
iiclr-25065	309	169	illegal	illegal	ADJ
iiclr-25065	309	170	credit	credit	NOUN
iiclr-25065	309	171	card	card	NOUN
iiclr-25065	309	172	practices	practice	NOUN
iiclr-25065	309	173	related	relate	VERB
iiclr-25065	309	174	to	to	ADP
iiclr-25065	309	175	credit	credit	NOUN
iiclr-25065	309	176	card	card	NOUN
iiclr-25065	309	177	add	add	VERB
iiclr-25065	309	178	-	-	PUNCT
iiclr-25065	309	179	on	on	ADP
iiclr-25065	309	180	products	product	NOUN
iiclr-25065	309	181	and	and	CCONJ
iiclr-25065	309	182	services.114	services.114	NOUN
iiclr-25065	309	183	in	in	ADP
iiclr-25065	309	184	104	104	NUM
iiclr-25065	309	185	.	.	PUNCT
iiclr-25065	310	1	i	i	PRON
iiclr-25065	310	2	d.	d.	PROPN
iiclr-25065	310	3	105	105	NUM
iiclr-25065	310	4	.	.	PUNCT
iiclr-25065	311	1	i	i	PRON
iiclr-25065	311	2	d.	d.	PROPN
iiclr-25065	311	3	106	106	NUM
iiclr-25065	311	4	.	.	PUNCT
iiclr-25065	312	1	12	12	NUM
iiclr-25065	312	2	u.s.c	u.s.c	NOUN
iiclr-25065	312	3	.	.	PUNCT
iiclr-25065	313	1	§	§	PROPN
iiclr-25065	313	2	§	§	PROPN
iiclr-25065	313	3	5563	5563	NUM
iiclr-25065	313	4	and	and	CCONJ
iiclr-25065	313	5	5565	5565	NUM
iiclr-25065	313	6	.	.	PUNCT
iiclr-25065	314	1	see	see	AUX
iiclr-25065	314	2	also	also	ADV
iiclr-25065	314	3	capital	capital	VERB
iiclr-25065	314	4	one	one	NUM
iiclr-25065	314	5	bank	bank	NOUN
iiclr-25065	314	6	consent	consent	NOUN
iiclr-25065	314	7	order	order	NOUN
iiclr-25065	314	8	,	,	PUNCT
iiclr-25065	314	9	supra	supra	PROPN
iiclr-25065	314	10	note	note	NOUN
iiclr-25065	314	11	90	90	NUM
iiclr-25065	314	12	,	,	PUNCT
iiclr-25065	314	13	at	at	ADP
iiclr-25065	314	14	1	1	NUM
iiclr-25065	314	15	.	.	PUNCT
iiclr-25065	314	16	107	107	NUM
iiclr-25065	314	17	.	.	PUNCT
iiclr-25065	315	1	cfpb	cfpb	PROPN
iiclr-25065	315	2	bulletin	bulletin	NOUN
iiclr-25065	315	3	,	,	PUNCT
iiclr-25065	315	4	supra	supra	PROPN
iiclr-25065	315	5	note	note	NOUN
iiclr-25065	315	6	97	97	NUM
iiclr-25065	315	7	.	.	NOUN
iiclr-25065	315	8	108	108	NUM
iiclr-25065	315	9	.	.	PUNCT
iiclr-25065	316	1	see	see	VERB
iiclr-25065	316	2	i	i	PRON
iiclr-25065	316	3	d.	d.	PROPN
iiclr-25065	316	4	109	109	NUM
iiclr-25065	316	5	.	.	PUNCT
iiclr-25065	317	1	see	see	VERB
iiclr-25065	317	2	i	i	PRON
iiclr-25065	317	3	d.	d.	PROPN
iiclr-25065	317	4	110	110	NUM
iiclr-25065	317	5	.	.	PUNCT
iiclr-25065	318	1	i	i	PRON
iiclr-25065	318	2	d.	d.	PROPN
iiclr-25065	318	3	at	at	ADP
iiclr-25065	318	4	5	5	NUM
iiclr-25065	318	5	.	.	SYM
iiclr-25065	318	6	111	111	NUM
iiclr-25065	318	7	.	.	PUNCT
iiclr-25065	319	1	see	see	VERB
iiclr-25065	319	2	i	i	PRON
iiclr-25065	319	3	d.	d.	PROPN
iiclr-25065	319	4	however	however	ADV
iiclr-25065	319	5	,	,	PUNCT
iiclr-25065	319	6	some	some	DET
iiclr-25065	319	7	commentators	commentator	NOUN
iiclr-25065	319	8	have	have	AUX
iiclr-25065	319	9	criticized	criticize	VERB
iiclr-25065	319	10	the	the	DET
iiclr-25065	319	11	cpfb	cpfb	NOUN
iiclr-25065	319	12	’s	’s	PART
iiclr-25065	319	13	use	use	NOUN
iiclr-25065	319	14	of	of	ADP
iiclr-25065	319	15	bulletins	bulletin	NOUN
iiclr-25065	319	16	,	,	PUNCT
iiclr-25065	319	17	stating	state	VERB
iiclr-25065	319	18	:	:	PUNCT
iiclr-25065	319	19	“	"	PUNCT
iiclr-25065	319	20	the	the	DET
iiclr-25065	319	21	practice	practice	NOUN
iiclr-25065	319	22	of	of	ADP
iiclr-25065	319	23	publishing	publish	VERB
iiclr-25065	319	24	bulletins	bulletin	NOUN
iiclr-25065	319	25	that	that	PRON
iiclr-25065	319	26	officially	officially	ADV
iiclr-25065	319	27	do	do	AUX
iiclr-25065	319	28	not	not	PART
iiclr-25065	319	29	have	have	VERB
iiclr-25065	319	30	the	the	DET
iiclr-25065	319	31	effect	effect	NOUN
iiclr-25065	319	32	of	of	ADP
iiclr-25065	319	33	law	law	NOUN
iiclr-25065	319	34	,	,	PUNCT
iiclr-25065	319	35	but	but	CCONJ
iiclr-25065	319	36	nonetheless	nonetheless	ADV
iiclr-25065	319	37	are	be	AUX
iiclr-25065	319	38	otherwise	otherwise	ADV
iiclr-25065	319	39	relied	rely	VERB
iiclr-25065	319	40	upon	upon	SCONJ
iiclr-25065	319	41	in	in	ADP
iiclr-25065	319	42	enforcement	enforcement	NOUN
iiclr-25065	319	43	proceedings	proceeding	NOUN
iiclr-25065	319	44	,	,	PUNCT
iiclr-25065	319	45	contributes	contribute	VERB
iiclr-25065	319	46	to	to	ADP
iiclr-25065	319	47	a	a	DET
iiclr-25065	319	48	perception	perception	NOUN
iiclr-25065	319	49	that	that	SCONJ
iiclr-25065	319	50	agencies	agency	NOUN
iiclr-25065	319	51	intentionally	intentionally	ADV
iiclr-25065	319	52	bypass	bypass	VERB
iiclr-25065	319	53	the	the	DET
iiclr-25065	319	54	notice	notice	NOUN
iiclr-25065	319	55	-	-	PUNCT
iiclr-25065	319	56	and	and	CCONJ
iiclr-25065	319	57	-	-	PUNCT
iiclr-25065	319	58	comment	comment	NOUN
iiclr-25065	319	59	requirements	requirement	NOUN
iiclr-25065	319	60	required	require	VERB
iiclr-25065	319	61	for	for	ADP
iiclr-25065	319	62	rulemaking	rulemake	VERB
iiclr-25065	319	63	through	through	ADP
iiclr-25065	319	64	backdoor	backdoor	NOUN
iiclr-25065	319	65	measures	measure	NOUN
iiclr-25065	319	66	,	,	PUNCT
iiclr-25065	319	67	that	that	ADV
iiclr-25065	319	68	is	is	ADV
iiclr-25065	319	69	,	,	PUNCT
iiclr-25065	319	70	by	by	ADP
iiclr-25065	319	71	issuing	issue	VERB
iiclr-25065	319	72	guidance	guidance	NOUN
iiclr-25065	319	73	documents	document	NOUN
iiclr-25065	319	74	.	.	PUNCT
iiclr-25065	319	75	”	"	PUNCT
iiclr-25065	320	1	mcdonald	mcdonald	PROPN
iiclr-25065	320	2	,	,	PUNCT
iiclr-25065	320	3	supra	supra	PROPN
iiclr-25065	320	4	note	note	NOUN
iiclr-25065	320	5	91	91	NUM
iiclr-25065	320	6	,	,	PUNCT
iiclr-25065	320	7	at	at	ADP
iiclr-25065	320	8	243	243	NUM
iiclr-25065	320	9	.	.	PUNCT
iiclr-25065	321	1	112	112	NUM
iiclr-25065	321	2	.	.	PUNCT
iiclr-25065	322	1	consumer	consumer	NOUN
iiclr-25065	322	2	financial	financial	PROPN
iiclr-25065	322	3	protection	protection	PROPN
iiclr-25065	322	4	bureau	bureau	NOUN
iiclr-25065	322	5	:	:	PUNCT
iiclr-25065	322	6	enforcing	enforce	VERB
iiclr-25065	322	7	federal	federal	ADJ
iiclr-25065	322	8	consumer	consumer	NOUN
iiclr-25065	322	9	protection	protection	NOUN
iiclr-25065	322	10	laws	law	NOUN
iiclr-25065	322	11	(	(	PUNCT
iiclr-25065	322	12	2016	2016	NUM
iiclr-25065	322	13	)	)	PUNCT
iiclr-25065	322	14	,	,	PUNCT
iiclr-25065	322	15	consumer	consumer	NOUN
iiclr-25065	322	16	financial	financial	PROPN
iiclr-25065	322	17	protection	protection	PROPN
iiclr-25065	322	18	bureau	bureau	PROPN
iiclr-25065	322	19	,	,	PUNCT
iiclr-25065	322	20	https://files.consumerfinance	https://files.consumerfinance	NOUN
iiclr-25065	322	21	.	.	PUNCT
iiclr-25065	323	1	gov	gov	PROPN
iiclr-25065	323	2	/	/	SYM
iiclr-25065	323	3	f	f	PROPN
iiclr-25065	323	4	/	/	SYM
iiclr-25065	323	5	documents/07132016_cfpb_sefl_anniversary_factsheet.pdf	documents/07132016_cfpb_sefl_anniversary_factsheet.pdf	PROPN
iiclr-25065	324	1	[	[	X
iiclr-25065	324	2	https://perma.cc/bg3axylu	https://perma.cc/bg3axylu	X
iiclr-25065	324	3	]	]	X
iiclr-25065	324	4	(	(	PUNCT
iiclr-25065	324	5	archived	archive	VERB
iiclr-25065	324	6	sept	sept	PROPN
iiclr-25065	324	7	.	.	PROPN
iiclr-25065	324	8	17	17	NUM
iiclr-25065	324	9	,	,	PUNCT
iiclr-25065	324	10	2019	2019	NUM
iiclr-25065	324	11	)	)	PUNCT
iiclr-25065	324	12	.	.	PUNCT
iiclr-25065	325	1	113	113	NUM
iiclr-25065	325	2	.	.	PUNCT
iiclr-25065	326	1	see	see	VERB
iiclr-25065	326	2	cfpb	cfpb	NOUN
iiclr-25065	326	3	orders	order	NOUN
iiclr-25065	326	4	american	american	PROPN
iiclr-25065	326	5	express	express	VERB
iiclr-25065	326	6	to	to	PART
iiclr-25065	326	7	pay	pay	VERB
iiclr-25065	326	8	$	$	SYM
iiclr-25065	326	9	59.5	59.5	NUM
iiclr-25065	326	10	million	million	NUM
iiclr-25065	326	11	for	for	ADP
iiclr-25065	326	12	illegal	illegal	ADJ
iiclr-25065	326	13	credit	credit	NOUN
iiclr-25065	326	14	card	card	NOUN
iiclr-25065	326	15	practices	practice	NOUN
iiclr-25065	326	16	,	,	PUNCT
iiclr-25065	326	17	consumer	consumer	NOUN
iiclr-25065	326	18	financial	financial	PROPN
iiclr-25065	326	19	protection	protection	PROPN
iiclr-25065	326	20	bureau	bureau	PROPN
iiclr-25065	326	21	(	(	PUNCT
iiclr-25065	326	22	dec	dec	PROPN
iiclr-25065	326	23	.	.	PROPN
iiclr-25065	326	24	23	23	NUM
iiclr-25065	326	25	,	,	PUNCT
iiclr-25065	326	26	2016	2016	NUM
iiclr-25065	326	27	)	)	PUNCT
iiclr-25065	326	28	,	,	PUNCT
iiclr-25065	326	29	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-595-million-for-illegal-credit-card-practices/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-595-million-for-illegal-credit-card-practices/	X
iiclr-25065	327	1	[	[	X
iiclr-25065	327	2	https://perma.cc/t45u-nrw4	https://perma.cc/t45u-nrw4	NOUN
iiclr-25065	327	3	]	]	PUNCT
iiclr-25065	327	4	.	.	PUNCT
iiclr-25065	328	1	114	114	NUM
iiclr-25065	328	2	.	.	PUNCT
iiclr-25065	329	1	see	see	VERB
iiclr-25065	329	2	cfpb	cfpb	NOUN
iiclr-25065	329	3	orders	order	NOUN
iiclr-25065	329	4	citibank	citibank	NOUN
iiclr-25065	329	5	to	to	PART
iiclr-25065	329	6	pay	pay	VERB
iiclr-25065	329	7	$	$	SYM
iiclr-25065	329	8	700	700	NUM
iiclr-25065	329	9	million	million	NUM
iiclr-25065	329	10	in	in	ADP
iiclr-25065	329	11	consumer	consumer	NOUN
iiclr-25065	329	12	relief	relief	NOUN
iiclr-25065	329	13	for	for	ADP
iiclr-25065	329	14	illegal	illegal	ADJ
iiclr-25065	329	15	credit	credit	NOUN
iiclr-25065	329	16	card	card	NOUN
iiclr-25065	329	17	practices	practice	NOUN
iiclr-25065	329	18	,	,	PUNCT
iiclr-25065	329	19	consumer	consumer	NOUN
iiclr-25065	329	20	financial	financial	PROPN
iiclr-25065	329	21	protection	protection	PROPN
iiclr-25065	329	22	bureau	bureau	PROPN
iiclr-25065	329	23	,	,	PUNCT
iiclr-25065	329	24	(	(	PUNCT
iiclr-25065	329	25	july	july	PROPN
iiclr-25065	329	26	21	21	NUM
iiclr-25065	329	27	,	,	PUNCT
iiclr-25065	329	28	2018	2018	NUM
iiclr-25065	329	29	)	)	PUNCT
iiclr-25065	329	30	,	,	PUNCT
iiclr-25065	329	31	https://www	https://www	PROPN
iiclr-25065	329	32	.	.	PUNCT
iiclr-25065	330	1	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-59-5-million-for-illegal-credit-card-practices/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-59-5-million-for-illegal-credit-card-practices/	PROPN
iiclr-25065	330	2	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-59-5-million-for-illegal-credit-card-practices/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-59-5-million-for-illegal-credit-card-practices/	PROPN
iiclr-25065	330	3	indiana	indiana	PROPN
iiclr-25065	330	4	int’l	int’l	PROPN
iiclr-25065	330	5	&	&	CCONJ
iiclr-25065	330	6	comp	comp	PROPN
iiclr-25065	330	7	.	.	PUNCT
iiclr-25065	331	1	law	law	NOUN
iiclr-25065	331	2	review	review	NOUN
iiclr-25065	332	1	[	[	X
iiclr-25065	332	2	vol	vol	NOUN
iiclr-25065	332	3	.	.	PUNCT
iiclr-25065	332	4	30:99	30:99	NUM
iiclr-25065	332	5	114	114	NUM
iiclr-25065	332	6	2016	2016	NUM
iiclr-25065	332	7	,	,	PUNCT
iiclr-25065	332	8	bank	bank	PROPN
iiclr-25065	332	9	of	of	ADP
iiclr-25065	332	10	america	america	PROPN
iiclr-25065	332	11	had	have	VERB
iiclr-25065	332	12	to	to	PART
iiclr-25065	332	13	provide	provide	VERB
iiclr-25065	332	14	$	$	SYM
iiclr-25065	332	15	727	727	NUM
iiclr-25065	332	16	million	million	NUM
iiclr-25065	332	17	consumers	consumer	NOUN
iiclr-25065	332	18	with	with	ADP
iiclr-25065	332	19	refunds	refund	NOUN
iiclr-25065	332	20	for	for	ADP
iiclr-25065	332	21	deceptive	deceptive	ADJ
iiclr-25065	332	22	marketing	marketing	NOUN
iiclr-25065	332	23	related	relate	VERB
iiclr-25065	332	24	to	to	ADP
iiclr-25065	332	25	credit	credit	NOUN
iiclr-25065	332	26	card	card	NOUN
iiclr-25065	332	27	add	add	VERB
iiclr-25065	332	28	-	-	PUNCT
iiclr-25065	332	29	on	on	ADP
iiclr-25065	332	30	products.115	products.115	PROPN
iiclr-25065	332	31	what	what	PRON
iiclr-25065	332	32	is	be	AUX
iiclr-25065	332	33	important	important	ADJ
iiclr-25065	332	34	about	about	ADP
iiclr-25065	332	35	this	this	DET
iiclr-25065	332	36	series	series	NOUN
iiclr-25065	332	37	of	of	ADP
iiclr-25065	332	38	consumer	consumer	NOUN
iiclr-25065	332	39	redress	redress	NOUN
iiclr-25065	332	40	actions	action	NOUN
iiclr-25065	332	41	is	be	AUX
iiclr-25065	332	42	the	the	DET
iiclr-25065	332	43	cfpb	cfpb	NOUN
iiclr-25065	332	44	’s	’s	PART
iiclr-25065	332	45	dedication	dedication	NOUN
iiclr-25065	332	46	to	to	ADP
iiclr-25065	332	47	making	make	VERB
iiclr-25065	332	48	it	it	PRON
iiclr-25065	332	49	easy	easy	ADJ
iiclr-25065	332	50	for	for	SCONJ
iiclr-25065	332	51	consumers	consumer	NOUN
iiclr-25065	332	52	to	to	PART
iiclr-25065	332	53	receive	receive	VERB
iiclr-25065	332	54	relief	relief	NOUN
iiclr-25065	332	55	.	.	PUNCT
iiclr-25065	333	1	its	its	PRON
iiclr-25065	333	2	consent	consent	NOUN
iiclr-25065	333	3	orders	order	NOUN
iiclr-25065	333	4	usually	usually	ADV
iiclr-25065	333	5	included	include	VERB
iiclr-25065	333	6	very	very	ADV
iiclr-25065	333	7	detailed	detailed	ADJ
iiclr-25065	333	8	terms	term	NOUN
iiclr-25065	333	9	about	about	ADP
iiclr-25065	333	10	how	how	SCONJ
iiclr-25065	333	11	the	the	DET
iiclr-25065	333	12	consumers	consumer	NOUN
iiclr-25065	333	13	should	should	AUX
iiclr-25065	333	14	receive	receive	VERB
iiclr-25065	333	15	redress	redress	NOUN
iiclr-25065	333	16	.	.	PUNCT
iiclr-25065	334	1	the	the	DET
iiclr-25065	334	2	orders	order	NOUN
iiclr-25065	334	3	laid	lay	VERB
iiclr-25065	334	4	out	out	ADP
iiclr-25065	334	5	the	the	DET
iiclr-25065	334	6	terms	term	NOUN
iiclr-25065	334	7	of	of	ADP
iiclr-25065	334	8	a	a	DET
iiclr-25065	334	9	“	"	PUNCT
iiclr-25065	334	10	redress	redress	NOUN
iiclr-25065	334	11	plan	plan	NOUN
iiclr-25065	334	12	”	"	PUNCT
iiclr-25065	334	13	116	116	NUM
iiclr-25065	334	14	or	or	CCONJ
iiclr-25065	334	15	“	"	PUNCT
iiclr-25065	334	16	remediation	remediation	NOUN
iiclr-25065	334	17	plan	plan	NOUN
iiclr-25065	334	18	.	.	PUNCT
iiclr-25065	335	1	”117	”117	VERB
iiclr-25065	336	1	it	it	PRON
iiclr-25065	336	2	required	require	VERB
iiclr-25065	336	3	the	the	DET
iiclr-25065	336	4	redress	redress	NOUN
iiclr-25065	336	5	plan	plan	NOUN
iiclr-25065	336	6	to	to	PART
iiclr-25065	336	7	include	include	VERB
iiclr-25065	336	8	the	the	DET
iiclr-25065	336	9	following	follow	VERB
iiclr-25065	336	10	:	:	PUNCT
iiclr-25065	336	11	1	1	X
iiclr-25065	336	12	)	)	PUNCT
iiclr-25065	336	13	convenient	convenient	ADJ
iiclr-25065	336	14	repayments	repayment	NOUN
iiclr-25065	336	15	to	to	ADP
iiclr-25065	336	16	consumers	consumer	NOUN
iiclr-25065	336	17	–	–	PUNCT
iiclr-25065	336	18	if	if	SCONJ
iiclr-25065	336	19	the	the	DET
iiclr-25065	336	20	consumers	consumer	NOUN
iiclr-25065	336	21	were	be	AUX
iiclr-25065	336	22	still	still	ADV
iiclr-25065	336	23	customers	customer	NOUN
iiclr-25065	336	24	of	of	ADP
iiclr-25065	336	25	the	the	DET
iiclr-25065	336	26	relevant	relevant	ADJ
iiclr-25065	336	27	bank	bank	NOUN
iiclr-25065	336	28	,	,	PUNCT
iiclr-25065	336	29	they	they	PRON
iiclr-25065	336	30	would	would	AUX
iiclr-25065	336	31	receive	receive	VERB
iiclr-25065	336	32	a	a	DET
iiclr-25065	336	33	credit	credit	NOUN
iiclr-25065	336	34	to	to	ADP
iiclr-25065	336	35	their	their	PRON
iiclr-25065	336	36	accounts	account	NOUN
iiclr-25065	336	37	,	,	PUNCT
iiclr-25065	336	38	and	and	CCONJ
iiclr-25065	336	39	if	if	SCONJ
iiclr-25065	336	40	they	they	PRON
iiclr-25065	336	41	were	be	AUX
iiclr-25065	336	42	no	no	ADV
iiclr-25065	336	43	longer	long	ADV
iiclr-25065	336	44	bank	bank	NOUN
iiclr-25065	336	45	credit	credit	NOUN
iiclr-25065	336	46	card	card	NOUN
iiclr-25065	336	47	holders	holder	NOUN
iiclr-25065	336	48	,	,	PUNCT
iiclr-25065	336	49	they	they	PRON
iiclr-25065	336	50	would	would	AUX
iiclr-25065	336	51	receive	receive	VERB
iiclr-25065	336	52	a	a	DET
iiclr-25065	336	53	check	check	NOUN
iiclr-25065	336	54	in	in	ADP
iiclr-25065	336	55	the	the	DET
iiclr-25065	336	56	mail.118	mail.118	NOUN
iiclr-25065	336	57	the	the	DET
iiclr-25065	336	58	cfpb	cfpb	NOUN
iiclr-25065	336	59	did	do	AUX
iiclr-25065	336	60	not	not	PART
iiclr-25065	336	61	require	require	VERB
iiclr-25065	336	62	consumers	consumer	NOUN
iiclr-25065	336	63	to	to	PART
iiclr-25065	336	64	take	take	VERB
iiclr-25065	336	65	any	any	DET
iiclr-25065	336	66	action	action	NOUN
iiclr-25065	336	67	to	to	PART
iiclr-25065	336	68	receive	receive	VERB
iiclr-25065	336	69	their	their	PRON
iiclr-25065	336	70	repayment.119	repayment.119	PROPN
iiclr-25065	336	71	2	2	NUM
iiclr-25065	336	72	)	)	PUNCT
iiclr-25065	336	73	calculation	calculation	NOUN
iiclr-25065	336	74	methods	method	NOUN
iiclr-25065	336	75	for	for	ADP
iiclr-25065	336	76	restitution	restitution	NOUN
iiclr-25065	336	77	or	or	CCONJ
iiclr-25065	336	78	monetary	monetary	ADJ
iiclr-25065	336	79	relief.120	relief.120	NOUN
iiclr-25065	336	80	3	3	NUM
iiclr-25065	336	81	)	)	PUNCT
iiclr-25065	336	82	requirements	requirement	NOUN
iiclr-25065	336	83	on	on	ADP
iiclr-25065	336	84	a	a	DET
iiclr-25065	336	85	written	write	VERB
iiclr-25065	336	86	letter	letter	NOUN
iiclr-25065	336	87	to	to	ADP
iiclr-25065	336	88	consumers	consumer	NOUN
iiclr-25065	336	89	from	from	ADP
iiclr-25065	336	90	the	the	DET
iiclr-25065	336	91	bank	bank	NOUN
iiclr-25065	336	92	,	,	PUNCT
iiclr-25065	336	93	notifying	notify	VERB
iiclr-25065	336	94	them	they	PRON
iiclr-25065	336	95	of	of	ADP
iiclr-25065	336	96	the	the	DET
iiclr-25065	336	97	redress	redress	NOUN
iiclr-25065	336	98	including	include	VERB
iiclr-25065	336	99	the	the	DET
iiclr-25065	336	100	relevant	relevant	ADJ
iiclr-25065	336	101	requirements	requirement	NOUN
iiclr-25065	336	102	on	on	ADP
iiclr-25065	336	103	the	the	DET
iiclr-25065	336	104	envelope	envelope	NOUN
iiclr-25065	336	105	containing	contain	VERB
iiclr-25065	336	106	the	the	DET
iiclr-25065	336	107	letter.121	letter.121	NOUN
iiclr-25065	336	108	to	to	PART
iiclr-25065	336	109	help	help	VERB
iiclr-25065	336	110	inform	inform	VERB
iiclr-25065	336	111	consumers	consumer	NOUN
iiclr-25065	336	112	,	,	PUNCT
iiclr-25065	336	113	the	the	DET
iiclr-25065	336	114	cfpb	cfpb	NOUN
iiclr-25065	336	115	also	also	ADV
iiclr-25065	336	116	published	publish	VERB
iiclr-25065	336	117	a	a	DET
iiclr-25065	336	118	blog	blog	NOUN
iiclr-25065	336	119	post	post	NOUN
iiclr-25065	336	120	for	for	ADP
iiclr-25065	336	121	capital	capital	NOUN
iiclr-25065	336	122	one	one	NUM
iiclr-25065	336	123	customers	customer	NOUN
iiclr-25065	336	124	explaining	explain	VERB
iiclr-25065	336	125	the	the	DET
iiclr-25065	336	126	announcement	announcement	NOUN
iiclr-25065	336	127	and	and	CCONJ
iiclr-25065	336	128	the	the	DET
iiclr-25065	336	129	refund	refund	NOUN
iiclr-25065	336	130	process	process	NOUN
iiclr-25065	336	131	.	.	PUNCT
iiclr-25065	337	1	the	the	DET
iiclr-25065	337	2	statement	statement	NOUN
iiclr-25065	337	3	on	on	ADP
iiclr-25065	337	4	cfpb	cfpb	NOUN
iiclr-25065	337	5	’s	’s	PART
iiclr-25065	337	6	blog	blog	NOUN
iiclr-25065	337	7	emphasized	emphasize	VERB
iiclr-25065	337	8	the	the	DET
iiclr-25065	337	9	convenient	convenient	ADJ
iiclr-25065	337	10	repayment	repayment	NOUN
iiclr-25065	337	11	process:122	process:122	NOUN
iiclr-25065	337	12	convenient	convenient	ADJ
iiclr-25065	337	13	repayment	repayment	NOUN
iiclr-25065	337	14	for	for	ADP
iiclr-25065	337	15	consumers	consumer	NOUN
iiclr-25065	337	16	:	:	PUNCT
iiclr-25065	337	17	if	if	SCONJ
iiclr-25065	337	18	the	the	DET
iiclr-25065	337	19	consumers	consumer	NOUN
iiclr-25065	337	20	are	be	AUX
iiclr-25065	337	21	still	still	ADV
iiclr-25065	337	22	capital	capital	NOUN
iiclr-25065	337	23	one	one	NUM
iiclr-25065	337	24	customers	customer	NOUN
iiclr-25065	337	25	,	,	PUNCT
iiclr-25065	337	26	they	they	PRON
iiclr-25065	337	27	will	will	AUX
iiclr-25065	337	28	receive	receive	VERB
iiclr-25065	337	29	a	a	DET
iiclr-25065	337	30	credit	credit	NOUN
iiclr-25065	337	31	to	to	ADP
iiclr-25065	337	32	their	their	PRON
iiclr-25065	337	33	accounts	account	NOUN
iiclr-25065	337	34	.	.	PUNCT
iiclr-25065	338	1	if	if	SCONJ
iiclr-25065	338	2	they	they	PRON
iiclr-25065	338	3	are	be	AUX
iiclr-25065	338	4	no	no	ADV
iiclr-25065	338	5	longer	long	ADV
iiclr-25065	338	6	a	a	DET
iiclr-25065	338	7	capital	capital	NOUN
iiclr-25065	338	8	one	one	NUM
iiclr-25065	338	9	credit	credit	NOUN
iiclr-25065	338	10	card	card	NOUN
iiclr-25065	338	11	holder	holder	NOUN
iiclr-25065	338	12	,	,	PUNCT
iiclr-25065	338	13	they	they	PRON
iiclr-25065	338	14	will	will	AUX
iiclr-25065	338	15	receive	receive	VERB
iiclr-25065	338	16	a	a	DET
iiclr-25065	338	17	check	check	NOUN
iiclr-25065	338	18	in	in	ADP
iiclr-25065	338	19	the	the	DET
iiclr-25065	338	20	mail	mail	NOUN
iiclr-25065	338	21	.	.	PUNCT
iiclr-25065	339	1	consumers	consumer	NOUN
iiclr-25065	339	2	are	be	AUX
iiclr-25065	339	3	not	not	PART
iiclr-25065	339	4	required	require	VERB
iiclr-25065	339	5	to	to	PART
iiclr-25065	339	6	take	take	VERB
iiclr-25065	339	7	any	any	DET
iiclr-25065	339	8	action	action	NOUN
iiclr-25065	339	9	to	to	PART
iiclr-25065	339	10	receive	receive	VERB
iiclr-25065	339	11	their	their	PRON
iiclr-25065	339	12	credit	credit	NOUN
iiclr-25065	339	13	or	or	CCONJ
iiclr-25065	339	14	check.123	check.123	VERB
iiclr-25065	339	15	the	the	DET
iiclr-25065	339	16	cfpb	cfpb	NOUN
iiclr-25065	339	17	also	also	ADV
iiclr-25065	339	18	posted	post	VERB
iiclr-25065	339	19	a	a	DET
iiclr-25065	339	20	general	general	ADJ
iiclr-25065	339	21	blog	blog	NOUN
iiclr-25065	339	22	post	post	NOUN
iiclr-25065	339	23	to	to	ADP
iiclr-25065	339	24	all	all	DET
iiclr-25065	339	25	consumers	consumer	NOUN
iiclr-25065	339	26	informing	inform	VERB
iiclr-25065	339	27	them	they	PRON
iiclr-25065	339	28	how	how	SCONJ
iiclr-25065	339	29	to	to	PART
iiclr-25065	339	30	“	"	PUNCT
iiclr-25065	339	31	stop	stop	VERB
iiclr-25065	339	32	mystery	mystery	NOUN
iiclr-25065	339	33	credit	credit	NOUN
iiclr-25065	339	34	card	card	NOUN
iiclr-25065	339	35	fees	fee	NOUN
iiclr-25065	339	36	”	"	PUNCT
iiclr-25065	339	37	from	from	ADP
iiclr-25065	339	38	their	their	PRON
iiclr-25065	339	39	card	card	NOUN
iiclr-25065	340	1	issuers.124	issuers.124	ADV
iiclr-25065	340	2	consumerfinance.gov/about-us/newsroom/cfpb-orders-citibank-to-pay-700-million-inconsumer-relief-for-illegal-credit-card-practices/	consumerfinance.gov/about-us/newsroom/cfpb-orders-citibank-to-pay-700-million-inconsumer-relief-for-illegal-credit-card-practices/	PROPN
iiclr-25065	341	1	[	[	X
iiclr-25065	341	2	https://perma.cc/zna2-336c	https://perma.cc/zna2-336c	X
iiclr-25065	341	3	]	]	X
iiclr-25065	341	4	.	.	PUNCT
iiclr-25065	342	1	115	115	NUM
iiclr-25065	342	2	.	.	PUNCT
iiclr-25065	343	1	consumer	consumer	NOUN
iiclr-25065	343	2	financial	financial	PROPN
iiclr-25065	343	3	protection	protection	PROPN
iiclr-25065	343	4	bureau	bureau	PROPN
iiclr-25065	344	1	,	,	PUNCT
iiclr-25065	344	2	supra	supra	PROPN
iiclr-25065	344	3	note	note	NOUN
iiclr-25065	344	4	95	95	NUM
iiclr-25065	344	5	.	.	PUNCT
iiclr-25065	345	1	116	116	NUM
iiclr-25065	345	2	.	.	PUNCT
iiclr-25065	346	1	bank	bank	PROPN
iiclr-25065	346	2	of	of	ADP
iiclr-25065	346	3	america	america	PROPN
iiclr-25065	346	4	consent	consent	NOUN
iiclr-25065	346	5	order	order	NOUN
iiclr-25065	346	6	,	,	PUNCT
iiclr-25065	346	7	supra	supra	PROPN
iiclr-25065	346	8	note	note	NOUN
iiclr-25065	346	9	90	90	NUM
iiclr-25065	346	10	,	,	PUNCT
iiclr-25065	346	11	at	at	ADP
iiclr-25065	346	12	26	26	NUM
iiclr-25065	346	13	.	.	PUNCT
iiclr-25065	346	14	117	117	NUM
iiclr-25065	346	15	.	.	PUNCT
iiclr-25065	347	1	capital	capital	NOUN
iiclr-25065	347	2	one	one	NUM
iiclr-25065	347	3	bank	bank	NOUN
iiclr-25065	347	4	consent	consent	NOUN
iiclr-25065	347	5	order	order	NOUN
iiclr-25065	347	6	,	,	PUNCT
iiclr-25065	347	7	supra	supra	PROPN
iiclr-25065	347	8	note	note	NOUN
iiclr-25065	347	9	01	01	NUM
iiclr-25065	347	10	,	,	PUNCT
iiclr-25065	347	11	at	at	ADP
iiclr-25065	347	12	14	14	NUM
iiclr-25065	347	13	.	.	PUNCT
iiclr-25065	347	14	118	118	NUM
iiclr-25065	347	15	.	.	PUNCT
iiclr-25065	348	1	consumer	consumer	NOUN
iiclr-25065	348	2	financial	financial	PROPN
iiclr-25065	348	3	protection	protection	PROPN
iiclr-25065	348	4	bureau	bureau	PROPN
iiclr-25065	349	1	,	,	PUNCT
iiclr-25065	349	2	supra	supra	PROPN
iiclr-25065	349	3	note	note	PROPN
iiclr-25065	349	4	103	103	NUM
iiclr-25065	349	5	.	.	PUNCT
iiclr-25065	350	1	119	119	NUM
iiclr-25065	350	2	.	.	PUNCT
iiclr-25065	351	1	i	i	PRON
iiclr-25065	351	2	d.	d.	PROPN
iiclr-25065	351	3	120	120	NUM
iiclr-25065	351	4	.	.	PUNCT
iiclr-25065	352	1	capital	capital	NOUN
iiclr-25065	352	2	one	one	NUM
iiclr-25065	352	3	bank	bank	NOUN
iiclr-25065	352	4	consent	consent	NOUN
iiclr-25065	352	5	order	order	NOUN
iiclr-25065	352	6	,	,	PUNCT
iiclr-25065	352	7	supra	supra	PROPN
iiclr-25065	352	8	note	note	NOUN
iiclr-25065	352	9	90	90	NUM
iiclr-25065	352	10	at	at	ADP
iiclr-25065	352	11	15	15	NUM
iiclr-25065	352	12	-	-	SYM
iiclr-25065	352	13	17	17	NUM
iiclr-25065	352	14	.	.	PUNCT
iiclr-25065	352	15	121	121	NUM
iiclr-25065	352	16	.	.	PUNCT
iiclr-25065	353	1	i	i	PRON
iiclr-25065	353	2	d.	d.	PROPN
iiclr-25065	353	3	at	at	ADP
iiclr-25065	353	4	17	17	NUM
iiclr-25065	353	5	.	.	PUNCT
iiclr-25065	353	6	122	122	NUM
iiclr-25065	353	7	.	.	PUNCT
iiclr-25065	354	1	kent	kent	PROPN
iiclr-25065	354	2	markus	markus	PROPN
iiclr-25065	354	3	,	,	PUNCT
iiclr-25065	354	4	how	how	SCONJ
iiclr-25065	354	5	will	will	AUX
iiclr-25065	354	6	the	the	DET
iiclr-25065	354	7	capital	capital	NOUN
iiclr-25065	354	8	one	one	NUM
iiclr-25065	354	9	order	order	NOUN
iiclr-25065	354	10	handle	handle	VERB
iiclr-25065	354	11	refunds	refund	NOUN
iiclr-25065	354	12	?	?	PUNCT
iiclr-25065	355	1	consumer	consumer	NOUN
iiclr-25065	355	2	financial	financial	PROPN
iiclr-25065	355	3	protection	protection	PROPN
iiclr-25065	355	4	bureau	bureau	PROPN
iiclr-25065	355	5	(	(	PUNCT
iiclr-25065	355	6	july	july	PROPN
iiclr-25065	355	7	18	18	NUM
iiclr-25065	355	8	,	,	PUNCT
iiclr-25065	355	9	2012	2012	NUM
iiclr-25065	355	10	)	)	PUNCT
iiclr-25065	355	11	,	,	PUNCT
iiclr-25065	355	12	https://www.consumerfinance.gov/about-us/blog/capitalone-order-refunds/	https://www.consumerfinance.gov/about-us/blog/capitalone-order-refunds/	PROPN
iiclr-25065	356	1	[	[	X
iiclr-25065	356	2	https://perma.cc/csk2-6rfd	https://perma.cc/csk2-6rfd	X
iiclr-25065	356	3	]	]	PUNCT
iiclr-25065	356	4	.	.	PUNCT
iiclr-25065	357	1	123	123	NUM
iiclr-25065	357	2	.	.	PUNCT
iiclr-25065	358	1	i	i	PRON
iiclr-25065	358	2	d.	d.	PROPN
iiclr-25065	358	3	124	124	NUM
iiclr-25065	358	4	.	.	PUNCT
iiclr-25065	359	1	gail	gail	PROPN
iiclr-25065	359	2	hillebrand	hillebrand	PROPN
iiclr-25065	359	3	,	,	PUNCT
iiclr-25065	359	4	how	how	SCONJ
iiclr-25065	359	5	to	to	PART
iiclr-25065	359	6	stop	stop	VERB
iiclr-25065	359	7	mystery	mystery	NOUN
iiclr-25065	359	8	credit	credit	NOUN
iiclr-25065	359	9	card	card	NOUN
iiclr-25065	359	10	fees	fee	NOUN
iiclr-25065	359	11	,	,	PUNCT
iiclr-25065	359	12	consumer	consumer	NOUN
iiclr-25065	359	13	financial	financial	PROPN
iiclr-25065	359	14	protection	protection	PROPN
iiclr-25065	359	15	bureau	bureau	PROPN
iiclr-25065	359	16	,	,	PUNCT
iiclr-25065	359	17	(	(	PUNCT
iiclr-25065	359	18	july	july	PROPN
iiclr-25065	359	19	18	18	NUM
iiclr-25065	359	20	,	,	PUNCT
iiclr-25065	359	21	2012	2012	NUM
iiclr-25065	359	22	)	)	PUNCT
iiclr-25065	359	23	,	,	PUNCT
iiclr-25065	359	24	https://www.consumerfinance.gov/about-us/blog/stopmystery-credit-card-fees/	https://www.consumerfinance.gov/about-us/blog/stopmystery-credit-card-fees/	PRON
iiclr-25065	360	1	[	[	X
iiclr-25065	360	2	https://perma.cc/8dy8-x99j	https://perma.cc/8dy8-x99j	NOUN
iiclr-25065	360	3	]	]	X
iiclr-25065	360	4	.	.	PUNCT
iiclr-25065	361	1	https://perma.cc/zna2-336c	https://perma.cc/zna2-336c	PROPN
iiclr-25065	361	2	https://www.consumerfinance.gov/about-us/blog/capital-one-order-refunds/	https://www.consumerfinance.gov/about-us/blog/capital-one-order-refunds/	PROPN
iiclr-25065	361	3	https://www.consumerfinance.gov/about-us/blog/capital-one-order-refunds/	https://www.consumerfinance.gov/about-us/blog/capital-one-order-refunds/	NUM
iiclr-25065	361	4	2019	2019	NUM
iiclr-25065	361	5	]	]	PUNCT
iiclr-25065	361	6	toward	toward	ADP
iiclr-25065	361	7	regulatory	regulatory	ADJ
iiclr-25065	361	8	mass	mass	NOUN
iiclr-25065	361	9	redress	redress	NOUN
iiclr-25065	361	10	schemes	scheme	NOUN
iiclr-25065	361	11	115	115	NUM
iiclr-25065	361	12	(	(	PUNCT
iiclr-25065	361	13	3	3	NUM
iiclr-25065	361	14	)	)	PUNCT
iiclr-25065	361	15	implications	implication	NOUN
iiclr-25065	361	16	the	the	DET
iiclr-25065	361	17	cfpb	cfpb	NOUN
iiclr-25065	361	18	consent	consent	VERB
iiclr-25065	361	19	order	order	NOUN
iiclr-25065	361	20	-	-	PUNCT
iiclr-25065	361	21	type	type	NOUN
iiclr-25065	361	22	of	of	ADP
iiclr-25065	361	23	consumer	consumer	NOUN
iiclr-25065	361	24	redress	redress	NOUN
iiclr-25065	361	25	scheme	scheme	NOUN
iiclr-25065	361	26	is	be	AUX
iiclr-25065	361	27	unique	unique	ADJ
iiclr-25065	361	28	in	in	ADP
iiclr-25065	361	29	that	that	SCONJ
iiclr-25065	361	30	it	it	PRON
iiclr-25065	361	31	does	do	AUX
iiclr-25065	361	32	not	not	PART
iiclr-25065	361	33	require	require	VERB
iiclr-25065	361	34	consumers	consumer	NOUN
iiclr-25065	361	35	to	to	PART
iiclr-25065	361	36	file	file	VERB
iiclr-25065	361	37	a	a	DET
iiclr-25065	361	38	complaint	complaint	NOUN
iiclr-25065	361	39	or	or	CCONJ
iiclr-25065	361	40	take	take	VERB
iiclr-25065	361	41	any	any	DET
iiclr-25065	361	42	action	action	NOUN
iiclr-25065	361	43	,	,	PUNCT
iiclr-25065	361	44	but	but	CCONJ
iiclr-25065	361	45	instead	instead	ADV
iiclr-25065	361	46	“	"	PUNCT
iiclr-25065	361	47	automatically	automatically	ADV
iiclr-25065	361	48	”	"	PUNCT
iiclr-25065	361	49	repays	repay	VERB
iiclr-25065	361	50	them	they	PRON
iiclr-25065	361	51	with	with	ADP
iiclr-25065	361	52	credit	credit	NOUN
iiclr-25065	361	53	or	or	CCONJ
iiclr-25065	361	54	a	a	DET
iiclr-25065	361	55	check	check	NOUN
iiclr-25065	361	56	.	.	PUNCT
iiclr-25065	362	1	the	the	DET
iiclr-25065	362	2	cfpb	cfpb	NOUN
iiclr-25065	362	3	consistently	consistently	ADV
iiclr-25065	362	4	uses	use	VERB
iiclr-25065	362	5	this	this	DET
iiclr-25065	362	6	method	method	NOUN
iiclr-25065	362	7	of	of	ADP
iiclr-25065	362	8	redress	redress	NOUN
iiclr-25065	362	9	in	in	ADP
iiclr-25065	362	10	all	all	PRON
iiclr-25065	362	11	of	of	ADP
iiclr-25065	362	12	its	its	PRON
iiclr-25065	362	13	consent	consent	NOUN
iiclr-25065	362	14	orders	order	NOUN
iiclr-25065	362	15	related	relate	VERB
iiclr-25065	362	16	to	to	ADP
iiclr-25065	362	17	credit	credit	NOUN
iiclr-25065	362	18	card	card	NOUN
iiclr-25065	362	19	add	add	VERB
iiclr-25065	362	20	-	-	PUNCT
iiclr-25065	362	21	on	on	ADP
iiclr-25065	362	22	products	product	NOUN
iiclr-25065	362	23	.	.	PUNCT
iiclr-25065	363	1	although	although	SCONJ
iiclr-25065	363	2	this	this	DET
iiclr-25065	363	3	automatic	automatic	ADJ
iiclr-25065	363	4	repayment	repayment	NOUN
iiclr-25065	363	5	method	method	NOUN
iiclr-25065	363	6	is	be	AUX
iiclr-25065	363	7	immensely	immensely	ADV
iiclr-25065	363	8	convenient	convenient	ADJ
iiclr-25065	363	9	and	and	CCONJ
iiclr-25065	363	10	favorable	favorable	ADJ
iiclr-25065	363	11	to	to	ADP
iiclr-25065	363	12	the	the	DET
iiclr-25065	363	13	consumer	consumer	NOUN
iiclr-25065	363	14	,	,	PUNCT
iiclr-25065	363	15	it	it	PRON
iiclr-25065	363	16	does	do	AUX
iiclr-25065	363	17	raise	raise	VERB
iiclr-25065	363	18	the	the	DET
iiclr-25065	363	19	concern	concern	NOUN
iiclr-25065	363	20	that	that	SCONJ
iiclr-25065	363	21	the	the	DET
iiclr-25065	363	22	cfpb	cfpb	NOUN
iiclr-25065	363	23	might	might	AUX
iiclr-25065	363	24	be	be	AUX
iiclr-25065	363	25	inappropriately	inappropriately	ADV
iiclr-25065	363	26	imposing	impose	VERB
iiclr-25065	363	27	a	a	DET
iiclr-25065	363	28	blanket	blanket	NOUN
iiclr-25065	363	29	restitution	restitution	NOUN
iiclr-25065	363	30	plan	plan	NOUN
iiclr-25065	363	31	for	for	ADP
iiclr-25065	363	32	instances	instance	NOUN
iiclr-25065	363	33	of	of	ADP
iiclr-25065	363	34	deception	deception	NOUN
iiclr-25065	363	35	or	or	CCONJ
iiclr-25065	363	36	mis	mi	NOUN
iiclr-25065	363	37	-	-	PUNCT
iiclr-25065	363	38	selling	selling	NOUN
iiclr-25065	363	39	that	that	PRON
iiclr-25065	363	40	usually	usually	ADV
iiclr-25065	363	41	require	require	VERB
iiclr-25065	363	42	individual	individual	ADJ
iiclr-25065	363	43	review	review	NOUN
iiclr-25065	363	44	to	to	PART
iiclr-25065	363	45	determine	determine	VERB
iiclr-25065	363	46	the	the	DET
iiclr-25065	363	47	extent	extent	NOUN
iiclr-25065	363	48	of	of	ADP
iiclr-25065	363	49	the	the	DET
iiclr-25065	363	50	bank	bank	NOUN
iiclr-25065	363	51	’s	’s	PART
iiclr-25065	363	52	culpability	culpability	NOUN
iiclr-25065	363	53	toward	toward	ADP
iiclr-25065	363	54	each	each	DET
iiclr-25065	363	55	customer	customer	NOUN
iiclr-25065	363	56	.	.	PUNCT
iiclr-25065	364	1	one	one	NUM
iiclr-25065	364	2	possible	possible	ADJ
iiclr-25065	364	3	reason	reason	NOUN
iiclr-25065	364	4	why	why	SCONJ
iiclr-25065	364	5	such	such	DET
iiclr-25065	364	6	a	a	DET
iiclr-25065	364	7	broad	broad	ADV
iiclr-25065	364	8	-	-	PUNCT
iiclr-25065	364	9	based	base	VERB
iiclr-25065	364	10	plan	plan	NOUN
iiclr-25065	364	11	makes	make	VERB
iiclr-25065	364	12	sense	sense	NOUN
iiclr-25065	364	13	is	be	AUX
iiclr-25065	364	14	that	that	PRON
iiclr-25065	364	15	consent	consent	NOUN
iiclr-25065	364	16	orders	order	NOUN
iiclr-25065	364	17	,	,	PUNCT
iiclr-25065	364	18	which	which	PRON
iiclr-25065	364	19	are	be	AUX
iiclr-25065	364	20	a	a	DET
iiclr-25065	364	21	type	type	NOUN
iiclr-25065	364	22	of	of	ADP
iiclr-25065	364	23	settlement	settlement	NOUN
iiclr-25065	364	24	between	between	ADP
iiclr-25065	364	25	a	a	DET
iiclr-25065	364	26	private	private	ADJ
iiclr-25065	364	27	party	party	NOUN
iiclr-25065	364	28	and	and	CCONJ
iiclr-25065	364	29	an	an	DET
iiclr-25065	364	30	administrative	administrative	ADJ
iiclr-25065	364	31	agency,125	agency,125	NOUN
iiclr-25065	364	32	were	be	AUX
iiclr-25065	364	33	the	the	DET
iiclr-25065	364	34	legal	legal	ADJ
iiclr-25065	364	35	instrument	instrument	NOUN
iiclr-25065	364	36	that	that	SCONJ
iiclr-25065	364	37	the	the	DET
iiclr-25065	364	38	cfpb	cfpb	NOUN
iiclr-25065	364	39	employed	employ	VERB
iiclr-25065	364	40	,	,	PUNCT
iiclr-25065	364	41	and	and	CCONJ
iiclr-25065	364	42	there	there	PRON
iiclr-25065	364	43	is	be	VERB
iiclr-25065	364	44	a	a	DET
iiclr-25065	364	45	degree	degree	NOUN
iiclr-25065	364	46	of	of	ADP
iiclr-25065	364	47	flexibility	flexibility	NOUN
iiclr-25065	364	48	allowed	allow	VERB
iiclr-25065	364	49	for	for	ADP
iiclr-25065	364	50	this	this	PRON
iiclr-25065	364	51	.	.	PUNCT
iiclr-25065	365	1	126	126	NUM
iiclr-25065	365	2	another	another	DET
iiclr-25065	365	3	possibility	possibility	NOUN
iiclr-25065	365	4	is	be	AUX
iiclr-25065	365	5	that	that	SCONJ
iiclr-25065	365	6	in	in	ADP
iiclr-25065	365	7	many	many	ADJ
iiclr-25065	365	8	cases	case	NOUN
iiclr-25065	365	9	,	,	PUNCT
iiclr-25065	365	10	the	the	DET
iiclr-25065	365	11	sales	sale	NOUN
iiclr-25065	365	12	representatives	representative	NOUN
iiclr-25065	365	13	used	use	VERB
iiclr-25065	365	14	a	a	DET
iiclr-25065	365	15	common	common	ADJ
iiclr-25065	365	16	sales	sale	NOUN
iiclr-25065	365	17	script	script	NOUN
iiclr-25065	365	18	,	,	PUNCT
iiclr-25065	365	19	which	which	PRON
iiclr-25065	365	20	created	create	VERB
iiclr-25065	365	21	a	a	DET
iiclr-25065	365	22	pattern	pattern	NOUN
iiclr-25065	365	23	of	of	ADP
iiclr-25065	365	24	behavior	behavior	NOUN
iiclr-25065	365	25	that	that	PRON
iiclr-25065	365	26	the	the	DET
iiclr-25065	365	27	cfpb	cfpb	NOUN
iiclr-25065	365	28	could	could	AUX
iiclr-25065	365	29	apply	apply	VERB
iiclr-25065	365	30	to	to	ADP
iiclr-25065	365	31	a	a	DET
iiclr-25065	365	32	range	range	NOUN
iiclr-25065	365	33	of	of	ADP
iiclr-25065	365	34	cases	case	NOUN
iiclr-25065	365	35	.	.	PUNCT
iiclr-25065	366	1	in	in	ADP
iiclr-25065	366	2	those	those	DET
iiclr-25065	366	3	instances	instance	NOUN
iiclr-25065	366	4	,	,	PUNCT
iiclr-25065	366	5	the	the	DET
iiclr-25065	366	6	cfpb	cfpb	NOUN
iiclr-25065	366	7	and	and	CCONJ
iiclr-25065	366	8	the	the	DET
iiclr-25065	366	9	regulated	regulated	ADJ
iiclr-25065	366	10	entities	entity	NOUN
iiclr-25065	366	11	could	could	AUX
iiclr-25065	366	12	issue	issue	VERB
iiclr-25065	366	13	a	a	DET
iiclr-25065	366	14	blanket	blanket	NOUN
iiclr-25065	366	15	,	,	PUNCT
iiclr-25065	366	16	automatic	automatic	ADJ
iiclr-25065	366	17	refund	refund	NOUN
iiclr-25065	366	18	to	to	ADP
iiclr-25065	366	19	eligible	eligible	ADJ
iiclr-25065	366	20	customers	customer	NOUN
iiclr-25065	366	21	.	.	PUNCT
iiclr-25065	367	1	finally	finally	ADV
iiclr-25065	367	2	,	,	PUNCT
iiclr-25065	367	3	it	it	PRON
iiclr-25065	367	4	is	be	AUX
iiclr-25065	367	5	also	also	ADV
iiclr-25065	367	6	possible	possible	ADJ
iiclr-25065	367	7	that	that	SCONJ
iiclr-25065	367	8	the	the	DET
iiclr-25065	367	9	redress	redress	NOUN
iiclr-25065	367	10	amounts	amount	VERB
iiclr-25065	367	11	for	for	ADP
iiclr-25065	367	12	these	these	DET
iiclr-25065	367	13	types	type	NOUN
iiclr-25065	367	14	of	of	ADP
iiclr-25065	367	15	credit	credit	NOUN
iiclr-25065	367	16	card	card	NOUN
iiclr-25065	367	17	add	add	VERB
iiclr-25065	367	18	-	-	PUNCT
iiclr-25065	367	19	on	on	ADP
iiclr-25065	367	20	products	product	NOUN
iiclr-25065	367	21	were	be	AUX
iiclr-25065	367	22	typically	typically	ADV
iiclr-25065	367	23	low	low	ADJ
iiclr-25065	367	24	,	,	PUNCT
iiclr-25065	367	25	while	while	SCONJ
iiclr-25065	367	26	individual	individual	ADJ
iiclr-25065	367	27	screenings	screening	NOUN
iiclr-25065	367	28	of	of	ADP
iiclr-25065	367	29	each	each	DET
iiclr-25065	367	30	deception	deception	NOUN
iiclr-25065	367	31	or	or	CCONJ
iiclr-25065	367	32	mis	mi	NOUN
iiclr-25065	367	33	-	-	PUNCT
iiclr-25065	367	34	selling	selling	NOUN
iiclr-25065	367	35	would	would	AUX
iiclr-25065	367	36	be	be	AUX
iiclr-25065	367	37	more	more	ADV
iiclr-25065	367	38	costly	costly	ADJ
iiclr-25065	367	39	than	than	ADP
iiclr-25065	367	40	a	a	DET
iiclr-25065	367	41	blanket	blanket	NOUN
iiclr-25065	367	42	refund	refund	NOUN
iiclr-25065	367	43	to	to	ADP
iiclr-25065	367	44	all	all	DET
iiclr-25065	367	45	consumers	consumer	NOUN
iiclr-25065	367	46	in	in	ADP
iiclr-25065	367	47	a	a	DET
iiclr-25065	367	48	particular	particular	ADJ
iiclr-25065	367	49	sale	sale	NOUN
iiclr-25065	367	50	.	.	PUNCT
iiclr-25065	368	1	once	once	ADV
iiclr-25065	368	2	a	a	DET
iiclr-25065	368	3	firm	firm	NOUN
iiclr-25065	368	4	has	have	AUX
iiclr-25065	368	5	entered	enter	VERB
iiclr-25065	368	6	into	into	ADP
iiclr-25065	368	7	a	a	DET
iiclr-25065	368	8	consent	consent	NOUN
iiclr-25065	368	9	order	order	NOUN
iiclr-25065	368	10	with	with	ADP
iiclr-25065	368	11	the	the	DET
iiclr-25065	368	12	cfpb	cfpb	NOUN
iiclr-25065	368	13	,	,	PUNCT
iiclr-25065	368	14	it	it	PRON
iiclr-25065	368	15	must	must	AUX
iiclr-25065	368	16	abide	abide	VERB
iiclr-25065	368	17	by	by	ADP
iiclr-25065	368	18	the	the	DET
iiclr-25065	368	19	terms	term	NOUN
iiclr-25065	368	20	of	of	ADP
iiclr-25065	368	21	the	the	DET
iiclr-25065	368	22	bureau	bureau	NOUN
iiclr-25065	368	23	’s	’s	PART
iiclr-25065	368	24	order	order	NOUN
iiclr-25065	368	25	and	and	CCONJ
iiclr-25065	368	26	is	be	AUX
iiclr-25065	368	27	subject	subject	ADJ
iiclr-25065	368	28	to	to	ADP
iiclr-25065	368	29	the	the	DET
iiclr-25065	368	30	bureau	bureau	NOUN
iiclr-25065	368	31	’s	’s	PART
iiclr-25065	368	32	oversight	oversight	NOUN
iiclr-25065	368	33	regarding	regard	VERB
iiclr-25065	368	34	implementation	implementation	NOUN
iiclr-25065	368	35	of	of	ADP
iiclr-25065	368	36	the	the	DET
iiclr-25065	368	37	order	order	NOUN
iiclr-25065	368	38	.	.	PUNCT
iiclr-25065	369	1	as	as	ADP
iiclr-25065	369	2	such	such	ADJ
iiclr-25065	369	3	,	,	PUNCT
iiclr-25065	369	4	we	we	PRON
iiclr-25065	369	5	can	can	AUX
iiclr-25065	369	6	characterize	characterize	VERB
iiclr-25065	369	7	the	the	DET
iiclr-25065	369	8	cfpb	cfpb	ADJ
iiclr-25065	369	9	consent	consent	NOUN
iiclr-25065	369	10	order	order	NOUN
iiclr-25065	369	11	as	as	ADP
iiclr-25065	369	12	a	a	DET
iiclr-25065	369	13	“	"	PUNCT
iiclr-25065	369	14	hard	hard	ADJ
iiclr-25065	369	15	”	"	PUNCT
iiclr-25065	369	16	enforcement	enforcement	NOUN
iiclr-25065	369	17	,	,	PUNCT
iiclr-25065	369	18	where	where	SCONJ
iiclr-25065	369	19	a	a	DET
iiclr-25065	369	20	public	public	ADJ
iiclr-25065	369	21	authority	authority	NOUN
iiclr-25065	369	22	mandates	mandate	VERB
iiclr-25065	369	23	a	a	DET
iiclr-25065	369	24	consumer	consumer	NOUN
iiclr-25065	369	25	redress	redress	NOUN
iiclr-25065	369	26	scheme.127	scheme.127	PROPN
iiclr-25065	369	27	c.	c.	PROPN
iiclr-25065	369	28	south	south	PROPN
iiclr-25065	369	29	korea	korea	PROPN
iiclr-25065	369	30	in	in	ADP
iiclr-25065	369	31	south	south	PROPN
iiclr-25065	369	32	korea	korea	PROPN
iiclr-25065	369	33	there	there	PRON
iiclr-25065	369	34	was	be	VERB
iiclr-25065	369	35	a	a	DET
iiclr-25065	369	36	widespread	widespread	ADJ
iiclr-25065	369	37	mis	mi	NOUN
iiclr-25065	369	38	-	-	PUNCT
iiclr-25065	369	39	selling	sell	VERB
iiclr-25065	369	40	scandal	scandal	NOUN
iiclr-25065	369	41	in	in	ADP
iiclr-25065	369	42	which	which	PRON
iiclr-25065	369	43	credit	credit	NOUN
iiclr-25065	369	44	card	card	NOUN
iiclr-25065	369	45	companies	company	NOUN
iiclr-25065	369	46	mis	mis	NOUN
iiclr-25065	369	47	-	-	PUNCT
iiclr-25065	369	48	sold	sell	VERB
iiclr-25065	369	49	debt	debt	NOUN
iiclr-25065	369	50	cancellation	cancellation	NOUN
iiclr-25065	369	51	and	and	CCONJ
iiclr-25065	369	52	debt	debt	NOUN
iiclr-25065	369	53	suspension	suspension	NOUN
iiclr-25065	369	54	(	(	PUNCT
iiclr-25065	369	55	dcds	dcds	NOUN
iiclr-25065	369	56	)	)	PUNCT
iiclr-25065	369	57	products	product	NOUN
iiclr-25065	369	58	to	to	ADP
iiclr-25065	369	59	millions	million	NOUN
iiclr-25065	369	60	of	of	ADP
iiclr-25065	369	61	consumers.128	consumers.128	ADP
iiclr-25065	369	62	the	the	DET
iiclr-25065	369	63	financial	financial	ADJ
iiclr-25065	369	64	services	service	NOUN
iiclr-25065	369	65	service	service	NOUN
iiclr-25065	369	66	(	(	PUNCT
iiclr-25065	369	67	fss	fss	PROPN
iiclr-25065	369	68	)	)	PUNCT
iiclr-25065	369	69	,	,	PUNCT
iiclr-25065	369	70	125	125	NUM
iiclr-25065	369	71	.	.	PUNCT
iiclr-25065	370	1	stefanie	stefanie	PROPN
iiclr-25065	370	2	h.	h.	PROPN
iiclr-25065	370	3	jackman	jackman	PROPN
iiclr-25065	370	4	&	&	CCONJ
iiclr-25065	370	5	daniel	daniel	PROPN
iiclr-25065	370	6	l.	l.	PROPN
iiclr-25065	370	7	delnero	delnero	PROPN
iiclr-25065	370	8	,	,	PUNCT
iiclr-25065	370	9	cfpb	cfpb	NOUN
iiclr-25065	370	10	’s	’s	PART
iiclr-25065	370	11	systemic	systemic	ADJ
iiclr-25065	370	12	regulation	regulation	NOUN
iiclr-25065	370	13	of	of	ADP
iiclr-25065	370	14	four	four	NUM
iiclr-25065	370	15	industries	industry	NOUN
iiclr-25065	370	16	:	:	PUNCT
iiclr-25065	370	17	enforcing	enforce	VERB
iiclr-25065	370	18	broader	broad	ADJ
iiclr-25065	370	19	changes	change	NOUN
iiclr-25065	370	20	via	via	ADP
iiclr-25065	370	21	consent	consent	NOUN
iiclr-25065	370	22	order	order	NOUN
iiclr-25065	370	23	,	,	PUNCT
iiclr-25065	370	24	31	31	NUM
iiclr-25065	370	25	legal	legal	ADJ
iiclr-25065	370	26	backgrounder	backgrounder	NOUN
iiclr-25065	370	27	16	16	NUM
iiclr-25065	370	28	,	,	PUNCT
iiclr-25065	370	29	1	1	NUM
iiclr-25065	370	30	(	(	PUNCT
iiclr-25065	370	31	2016	2016	NUM
iiclr-25065	370	32	)	)	PUNCT
iiclr-25065	370	33	.	.	PUNCT
iiclr-25065	371	1	126	126	X
iiclr-25065	371	2	.	.	PUNCT
iiclr-25065	372	1	see	see	VERB
iiclr-25065	372	2	august	august	PROPN
iiclr-25065	372	3	horvath	horvath	PROPN
iiclr-25065	372	4	,	,	PUNCT
iiclr-25065	372	5	john	john	PROPN
iiclr-25065	372	6	villafranco	villafranco	PROPN
iiclr-25065	372	7	,	,	PUNCT
iiclr-25065	372	8	&	&	CCONJ
iiclr-25065	372	9	stephen	stephen	PROPN
iiclr-25065	372	10	calkins	calkins	PROPN
iiclr-25065	372	11	,	,	PUNCT
iiclr-25065	372	12	aba	aba	PROPN
iiclr-25065	372	13	section	section	NOUN
iiclr-25065	372	14	of	of	ADP
iiclr-25065	372	15	antitrust	antitrust	ADJ
iiclr-25065	372	16	law	law	NOUN
iiclr-25065	372	17	consumer	consumer	NOUN
iiclr-25065	372	18	protection	protection	NOUN
iiclr-25065	372	19	law	law	NOUN
iiclr-25065	372	20	developments	development	NOUN
iiclr-25065	372	21	259	259	NUM
iiclr-25065	372	22	(	(	PUNCT
iiclr-25065	372	23	2009	2009	NUM
iiclr-25065	372	24	)	)	PUNCT
iiclr-25065	372	25	(	(	PUNCT
iiclr-25065	372	26	similarly	similarly	ADV
iiclr-25065	372	27	,	,	PUNCT
iiclr-25065	372	28	courts	court	NOUN
iiclr-25065	372	29	have	have	AUX
iiclr-25065	372	30	afforded	afford	VERB
iiclr-25065	372	31	the	the	DET
iiclr-25065	372	32	ftc	ftc	PROPN
iiclr-25065	372	33	a	a	DET
iiclr-25065	372	34	wide	wide	ADJ
iiclr-25065	372	35	discretion	discretion	NOUN
iiclr-25065	372	36	for	for	ADP
iiclr-25065	372	37	cease	cease	NOUN
iiclr-25065	372	38	and	and	CCONJ
iiclr-25065	372	39	desist	desist	VERB
iiclr-25065	372	40	orders	order	NOUN
iiclr-25065	372	41	in	in	ADP
iiclr-25065	372	42	enforcing	enforce	VERB
iiclr-25065	372	43	deceptive	deceptive	ADJ
iiclr-25065	372	44	and	and	CCONJ
iiclr-25065	372	45	unfair	unfair	ADJ
iiclr-25065	372	46	practices	practice	NOUN
iiclr-25065	372	47	)	)	PUNCT
iiclr-25065	372	48	.	.	PUNCT
iiclr-25065	373	1	127	127	NUM
iiclr-25065	373	2	.	.	PUNCT
iiclr-25065	374	1	in	in	ADP
iiclr-25065	374	2	theory	theory	NOUN
iiclr-25065	374	3	,	,	PUNCT
iiclr-25065	374	4	since	since	SCONJ
iiclr-25065	374	5	the	the	DET
iiclr-25065	374	6	financial	financial	ADJ
iiclr-25065	374	7	companies	company	NOUN
iiclr-25065	374	8	can	can	AUX
iiclr-25065	374	9	voluntarily	voluntarily	ADV
iiclr-25065	374	10	choose	choose	VERB
iiclr-25065	374	11	to	to	PART
iiclr-25065	374	12	(	(	PUNCT
iiclr-25065	374	13	or	or	CCONJ
iiclr-25065	374	14	decline	decline	VERB
iiclr-25065	374	15	to	to	PART
iiclr-25065	374	16	)	)	PUNCT
iiclr-25065	374	17	enter	enter	VERB
iiclr-25065	374	18	a	a	DET
iiclr-25065	374	19	consent	consent	NOUN
iiclr-25065	374	20	order	order	NOUN
iiclr-25065	374	21	,	,	PUNCT
iiclr-25065	374	22	the	the	DET
iiclr-25065	374	23	cfpb	cfpb	NOUN
iiclr-25065	374	24	’s	’s	PART
iiclr-25065	374	25	consent	consent	NOUN
iiclr-25065	374	26	order	order	NOUN
iiclr-25065	374	27	-	-	PUNCT
iiclr-25065	374	28	type	type	NOUN
iiclr-25065	374	29	of	of	ADP
iiclr-25065	374	30	regulatory	regulatory	ADJ
iiclr-25065	374	31	redress	redress	NOUN
iiclr-25065	374	32	can	can	AUX
iiclr-25065	374	33	also	also	ADV
iiclr-25065	374	34	be	be	AUX
iiclr-25065	374	35	understood	understand	VERB
iiclr-25065	374	36	as	as	ADP
iiclr-25065	374	37	a	a	DET
iiclr-25065	374	38	voluntary	voluntary	ADJ
iiclr-25065	374	39	regulatory	regulatory	ADJ
iiclr-25065	374	40	redress	redress	NOUN
iiclr-25065	374	41	.	.	PUNCT
iiclr-25065	375	1	128	128	NUM
iiclr-25065	375	2	.	.	PUNCT
iiclr-25065	376	1	this	this	DET
iiclr-25065	376	2	section	section	NOUN
iiclr-25065	376	3	was	be	AUX
iiclr-25065	376	4	largely	largely	ADV
iiclr-25065	376	5	adapted	adapt	VERB
iiclr-25065	376	6	from	from	ADP
iiclr-25065	376	7	an	an	DET
iiclr-25065	376	8	article	article	NOUN
iiclr-25065	376	9	that	that	SCONJ
iiclr-25065	376	10	the	the	DET
iiclr-25065	376	11	author	author	NOUN
iiclr-25065	376	12	wrote	write	VERB
iiclr-25065	376	13	in	in	ADP
iiclr-25065	376	14	korean	korean	PROPN
iiclr-25065	376	15	.	.	PUNCT
iiclr-25065	377	1	you	you	PRON
iiclr-25065	377	2	kyung	kyung	PROPN
iiclr-25065	377	3	huh	huh	PROPN
iiclr-25065	377	4	,	,	PUNCT
iiclr-25065	377	5	consumer	consumer	NOUN
iiclr-25065	377	6	friendly	friendly	ADJ
iiclr-25065	377	7	consumer	consumer	NOUN
iiclr-25065	377	8	redress	redress	NOUN
iiclr-25065	377	9	a	a	DET
iiclr-25065	377	10	comparative	comparative	ADJ
iiclr-25065	377	11	case	case	NOUN
iiclr-25065	377	12	study	study	NOUN
iiclr-25065	377	13	on	on	ADP
iiclr-25065	377	14	consumer	consumer	NOUN
iiclr-25065	377	15	redress	redress	NOUN
iiclr-25065	377	16	in	in	ADP
iiclr-25065	377	17	large	large	ADJ
iiclr-25065	377	18	scale	scale	NOUN
iiclr-25065	377	19	mis	mis	NOUN
iiclr-25065	377	20	-	-	PUNCT
iiclr-25065	377	21	selling	sell	VERB
iiclr-25065	377	22	scandals-	scandals-	NOUN
iiclr-25065	377	23	,	,	PUNCT
iiclr-25065	377	24	[	[	X
iiclr-25065	377	25	소비자친화적인	소비자친화적인	NOUN
iiclr-25065	377	26	금융소비자	금융소비자	ADJ
iiclr-25065	377	27	피해구제	피해구제	NOUN
iiclr-25065	377	28	대규모	대규모	ADP
iiclr-25065	377	29	indiana	indiana	PROPN
iiclr-25065	377	30	int’l	int’l	NUM
iiclr-25065	377	31	&	&	CCONJ
iiclr-25065	377	32	comp	comp	PROPN
iiclr-25065	377	33	.	.	PUNCT
iiclr-25065	378	1	law	law	NOUN
iiclr-25065	378	2	review	review	NOUN
iiclr-25065	379	1	[	[	X
iiclr-25065	379	2	vol	vol	NOUN
iiclr-25065	379	3	.	.	PROPN
iiclr-25065	380	1	30:99	30:99	NUM
iiclr-25065	380	2	116	116	NUM
iiclr-25065	380	3	korea	korea	PROPN
iiclr-25065	380	4	’s	’s	PART
iiclr-25065	380	5	primary	primary	ADJ
iiclr-25065	380	6	financial	financial	ADJ
iiclr-25065	380	7	regulatory	regulatory	ADJ
iiclr-25065	380	8	agency	agency	NOUN
iiclr-25065	380	9	,	,	PUNCT
iiclr-25065	380	10	stepped	step	VERB
iiclr-25065	380	11	in	in	ADV
iiclr-25065	380	12	and	and	CCONJ
iiclr-25065	380	13	compelled	compel	VERB
iiclr-25065	380	14	the	the	DET
iiclr-25065	380	15	relevant	relevant	ADJ
iiclr-25065	380	16	financial	financial	ADJ
iiclr-25065	380	17	companies	company	NOUN
iiclr-25065	380	18	to	to	PART
iiclr-25065	380	19	provide	provide	VERB
iiclr-25065	380	20	redress	redress	NOUN
iiclr-25065	380	21	to	to	ADP
iiclr-25065	380	22	the	the	DET
iiclr-25065	380	23	defrauded	defraud	VERB
iiclr-25065	380	24	consumers	consumer	NOUN
iiclr-25065	380	25	.	.	PUNCT
iiclr-25065	381	1	(	(	PUNCT
iiclr-25065	381	2	1	1	X
iiclr-25065	381	3	)	)	PUNCT
iiclr-25065	381	4	misconduct	misconduct	NOUN
iiclr-25065	381	5	related	relate	VERB
iiclr-25065	381	6	to	to	ADP
iiclr-25065	381	7	dcds	dcds	PROPN
iiclr-25065	381	8	products	product	NOUN
iiclr-25065	381	9	sale	sale	NOUN
iiclr-25065	381	10	dcds	dcds	NOUN
iiclr-25065	381	11	products	product	NOUN
iiclr-25065	381	12	,	,	PUNCT
iiclr-25065	381	13	which	which	PRON
iiclr-25065	381	14	samsung	samsung	PROPN
iiclr-25065	381	15	card	card	NOUN
iiclr-25065	381	16	first	first	ADV
iiclr-25065	381	17	introduced	introduce	VERB
iiclr-25065	381	18	in	in	ADP
iiclr-25065	381	19	2005	2005	NUM
iiclr-25065	381	20	,	,	PUNCT
iiclr-25065	381	21	are	be	AUX
iiclr-25065	381	22	a	a	DET
iiclr-25065	381	23	type	type	NOUN
iiclr-25065	381	24	of	of	ADP
iiclr-25065	381	25	insurance	insurance	NOUN
iiclr-25065	381	26	service	service	NOUN
iiclr-25065	381	27	that	that	SCONJ
iiclr-25065	381	28	credit	credit	NOUN
iiclr-25065	381	29	card	card	NOUN
iiclr-25065	381	30	companies	company	NOUN
iiclr-25065	381	31	offer	offer	VERB
iiclr-25065	381	32	customers	customer	NOUN
iiclr-25065	381	33	.	.	PUNCT
iiclr-25065	382	1	the	the	DET
iiclr-25065	382	2	products	product	NOUN
iiclr-25065	382	3	come	come	VERB
iiclr-25065	382	4	with	with	ADP
iiclr-25065	382	5	fees	fee	NOUN
iiclr-25065	382	6	that	that	PRON
iiclr-25065	382	7	the	the	DET
iiclr-25065	382	8	companies	company	NOUN
iiclr-25065	382	9	add	add	VERB
iiclr-25065	382	10	to	to	ADP
iiclr-25065	382	11	the	the	DET
iiclr-25065	382	12	monthly	monthly	ADJ
iiclr-25065	382	13	bills	bill	NOUN
iiclr-25065	382	14	.	.	PUNCT
iiclr-25065	383	1	the	the	DET
iiclr-25065	383	2	fees	fee	NOUN
iiclr-25065	383	3	vary	vary	VERB
iiclr-25065	383	4	depending	depend	VERB
iiclr-25065	383	5	on	on	ADP
iiclr-25065	383	6	the	the	DET
iiclr-25065	383	7	total	total	ADJ
iiclr-25065	383	8	monthly	monthly	ADJ
iiclr-25065	383	9	card	card	NOUN
iiclr-25065	383	10	usage	usage	NOUN
iiclr-25065	383	11	and	and	CCONJ
iiclr-25065	383	12	the	the	DET
iiclr-25065	383	13	rates	rate	NOUN
iiclr-25065	383	14	fixed	fix	VERB
iiclr-25065	383	15	by	by	ADP
iiclr-25065	383	16	card	card	NOUN
iiclr-25065	383	17	companies	company	NOUN
iiclr-25065	383	18	.	.	PUNCT
iiclr-25065	384	1	the	the	DET
iiclr-25065	384	2	service	service	NOUN
iiclr-25065	384	3	allows	allow	VERB
iiclr-25065	384	4	customers	customer	NOUN
iiclr-25065	384	5	to	to	PART
iiclr-25065	384	6	cancel	cancel	VERB
iiclr-25065	384	7	or	or	CCONJ
iiclr-25065	384	8	suspend	suspend	VERB
iiclr-25065	384	9	payments	payment	NOUN
iiclr-25065	384	10	in	in	ADP
iiclr-25065	384	11	the	the	DET
iiclr-25065	384	12	event	event	NOUN
iiclr-25065	384	13	of	of	ADP
iiclr-25065	384	14	death	death	NOUN
iiclr-25065	384	15	or	or	CCONJ
iiclr-25065	384	16	illness	illness	NOUN
iiclr-25065	384	17	.	.	PUNCT
iiclr-25065	385	1	as	as	ADP
iiclr-25065	385	2	of	of	ADP
iiclr-25065	385	3	the	the	DET
iiclr-25065	385	4	end	end	NOUN
iiclr-25065	385	5	of	of	ADP
iiclr-25065	385	6	2016	2016	NUM
iiclr-25065	385	7	,	,	PUNCT
iiclr-25065	385	8	2.7	2.7	NUM
iiclr-25065	385	9	million	million	NUM
iiclr-25065	385	10	customers	customer	NOUN
iiclr-25065	385	11	had	have	AUX
iiclr-25065	385	12	signed	sign	VERB
iiclr-25065	385	13	up	up	ADP
iiclr-25065	385	14	for	for	ADP
iiclr-25065	385	15	this	this	DET
iiclr-25065	385	16	product	product	NOUN
iiclr-25065	385	17	.	.	PUNCT
iiclr-25065	386	1	the	the	DET
iiclr-25065	386	2	related	relate	VERB
iiclr-25065	386	3	average	average	ADJ
iiclr-25065	386	4	monthly	monthly	ADJ
iiclr-25065	386	5	charge	charge	NOUN
iiclr-25065	386	6	was	be	AUX
iiclr-25065	386	7	about	about	ADV
iiclr-25065	386	8	6	6	NUM
iiclr-25065	386	9	usd	usd	NOUN
iiclr-25065	386	10	(	(	PUNCT
iiclr-25065	386	11	6574	6574	NUM
iiclr-25065	386	12	krw).129	krw).129	NOUN
iiclr-25065	386	13	between	between	ADP
iiclr-25065	386	14	2012	2012	NUM
iiclr-25065	386	15	to	to	ADP
iiclr-25065	386	16	2016	2016	NUM
iiclr-25065	386	17	the	the	DET
iiclr-25065	386	18	product	product	NOUN
iiclr-25065	386	19	created	create	VERB
iiclr-25065	386	20	a	a	DET
iiclr-25065	386	21	total	total	ADJ
iiclr-25065	386	22	revenue	revenue	NOUN
iiclr-25065	386	23	of	of	ADP
iiclr-25065	386	24	more	more	ADJ
iiclr-25065	386	25	than	than	ADP
iiclr-25065	386	26	10	10	NUM
iiclr-25065	386	27	billion	billion	NUM
iiclr-25065	386	28	usd	usd	NOUN
iiclr-25065	386	29	(	(	PUNCT
iiclr-25065	386	30	1.18	1.18	NUM
iiclr-25065	386	31	trillion	trillion	NUM
iiclr-25065	386	32	krw).130	krw).130	PROPN
iiclr-25065	386	33	dcds	dcds	PROPN
iiclr-25065	386	34	products	product	NOUN
iiclr-25065	386	35	were	be	AUX
iiclr-25065	386	36	usually	usually	ADV
iiclr-25065	386	37	mis	mis	ADJ
iiclr-25065	386	38	-	-	PUNCT
iiclr-25065	386	39	sold	sell	VERB
iiclr-25065	386	40	sold	sell	VERB
iiclr-25065	386	41	by	by	ADP
iiclr-25065	386	42	way	way	NOUN
iiclr-25065	386	43	of	of	ADP
iiclr-25065	386	44	various	various	ADJ
iiclr-25065	386	45	aggressive	aggressive	ADJ
iiclr-25065	386	46	telemarketing	telemarketing	NOUN
iiclr-25065	386	47	techniques	technique	NOUN
iiclr-25065	386	48	.	.	PUNCT
iiclr-25065	387	1	for	for	ADP
iiclr-25065	387	2	example	example	NOUN
iiclr-25065	387	3	,	,	PUNCT
iiclr-25065	387	4	company	company	NOUN
iiclr-25065	387	5	representatives	representative	NOUN
iiclr-25065	387	6	often	often	ADV
iiclr-25065	387	7	failed	fail	VERB
iiclr-25065	387	8	to	to	PART
iiclr-25065	387	9	get	get	VERB
iiclr-25065	387	10	the	the	DET
iiclr-25065	387	11	consumer	consumer	NOUN
iiclr-25065	387	12	’s	’s	PART
iiclr-25065	387	13	explicit	explicit	ADJ
iiclr-25065	387	14	consent	consent	NOUN
iiclr-25065	387	15	;	;	PUNCT
iiclr-25065	387	16	sometimes	sometimes	ADV
iiclr-25065	387	17	they	they	PRON
iiclr-25065	387	18	did	do	AUX
iiclr-25065	387	19	not	not	PART
iiclr-25065	387	20	mention	mention	VERB
iiclr-25065	387	21	that	that	SCONJ
iiclr-25065	387	22	products	product	NOUN
iiclr-25065	387	23	came	come	VERB
iiclr-25065	387	24	with	with	ADP
iiclr-25065	387	25	a	a	DET
iiclr-25065	387	26	fee	fee	NOUN
iiclr-25065	387	27	for	for	ADP
iiclr-25065	387	28	the	the	DET
iiclr-25065	387	29	service	service	NOUN
iiclr-25065	387	30	(	(	PUNCT
iiclr-25065	387	31	i.e.	i.e.	X
iiclr-25065	387	32	,	,	PUNCT
iiclr-25065	387	33	they	they	PRON
iiclr-25065	387	34	promoted	promote	VERB
iiclr-25065	387	35	the	the	DET
iiclr-25065	387	36	product	product	NOUN
iiclr-25065	387	37	as	as	ADP
iiclr-25065	387	38	a	a	DET
iiclr-25065	387	39	vip	vip	NOUN
iiclr-25065	387	40	customer	customer	NOUN
iiclr-25065	387	41	service	service	NOUN
iiclr-25065	387	42	,	,	PUNCT
iiclr-25065	387	43	confusing	confuse	VERB
iiclr-25065	387	44	consumers	consumer	NOUN
iiclr-25065	387	45	into	into	ADP
iiclr-25065	387	46	thinking	think	VERB
iiclr-25065	387	47	that	that	SCONJ
iiclr-25065	387	48	the	the	DET
iiclr-25065	387	49	products	product	NOUN
iiclr-25065	387	50	were	be	AUX
iiclr-25065	387	51	free	free	ADJ
iiclr-25065	387	52	,	,	PUNCT
iiclr-25065	387	53	when	when	SCONJ
iiclr-25065	387	54	in	in	ADP
iiclr-25065	387	55	fact	fact	NOUN
iiclr-25065	387	56	fees	fee	NOUN
iiclr-25065	387	57	were	be	AUX
iiclr-25065	387	58	charged	charge	VERB
iiclr-25065	387	59	)	)	PUNCT
iiclr-25065	387	60	.	.	PUNCT
iiclr-25065	388	1	131	131	NUM
iiclr-25065	388	2	sometimes	sometimes	ADV
iiclr-25065	388	3	the	the	DET
iiclr-25065	388	4	telemarketer	telemarketer	NOUN
iiclr-25065	388	5	spoke	speak	VERB
iiclr-25065	388	6	so	so	ADV
iiclr-25065	388	7	quickly	quickly	ADV
iiclr-25065	388	8	that	that	SCONJ
iiclr-25065	388	9	it	it	PRON
iiclr-25065	388	10	was	be	AUX
iiclr-25065	388	11	impossible	impossible	ADJ
iiclr-25065	388	12	for	for	SCONJ
iiclr-25065	388	13	the	the	DET
iiclr-25065	388	14	consumer	consumer	NOUN
iiclr-25065	388	15	to	to	PART
iiclr-25065	388	16	comprehend	comprehend	VERB
iiclr-25065	388	17	the	the	DET
iiclr-25065	388	18	complicated	complicated	ADJ
iiclr-25065	388	19	terms	term	NOUN
iiclr-25065	388	20	.	.	PUNCT
iiclr-25065	389	1	132	132	NUM
iiclr-25065	389	2	the	the	DET
iiclr-25065	389	3	most	most	ADV
iiclr-25065	389	4	common	common	ADJ
iiclr-25065	389	5	type	type	NOUN
iiclr-25065	389	6	of	of	ADP
iiclr-25065	389	7	consumer	consumer	NOUN
iiclr-25065	389	8	misunderstanding	misunderstanding	NOUN
iiclr-25065	389	9	was	be	AUX
iiclr-25065	389	10	about	about	ADP
iiclr-25065	389	11	the	the	DET
iiclr-25065	389	12	way	way	NOUN
iiclr-25065	389	13	that	that	PRON
iiclr-25065	389	14	the	the	DET
iiclr-25065	389	15	company	company	NOUN
iiclr-25065	389	16	assessed	assess	VERB
iiclr-25065	389	17	the	the	DET
iiclr-25065	389	18	fees	fee	NOUN
iiclr-25065	389	19	for	for	ADP
iiclr-25065	389	20	dcds	dcds	PROPN
iiclr-25065	389	21	.	.	PUNCT
iiclr-25065	390	1	it	it	PRON
iiclr-25065	390	2	did	do	VERB
iiclr-25065	390	3	so	so	ADV
iiclr-25065	390	4	with	with	ADP
iiclr-25065	390	5	the	the	DET
iiclr-25065	390	6	formula	formula	NOUN
iiclr-25065	390	7	of	of	ADP
iiclr-25065	390	8	multiplying	multiply	VERB
iiclr-25065	390	9	a	a	DET
iiclr-25065	390	10	multiplier	multipli	ADJ
iiclr-25065	390	11	(	(	PUNCT
iiclr-25065	390	12	i.e.	i.e.	X
iiclr-25065	390	13	,	,	PUNCT
iiclr-25065	390	14	0.5	0.5	NUM
iiclr-25065	390	15	%	%	NOUN
iiclr-25065	390	16	)	)	PUNCT
iiclr-25065	390	17	to	to	ADP
iiclr-25065	390	18	the	the	DET
iiclr-25065	390	19	remaining	remain	VERB
iiclr-25065	390	20	credit	credit	NOUN
iiclr-25065	390	21	card	card	NOUN
iiclr-25065	390	22	balance	balance	NOUN
iiclr-25065	390	23	at	at	ADP
iiclr-25065	390	24	the	the	DET
iiclr-25065	390	25	end	end	NOUN
iiclr-25065	390	26	of	of	ADP
iiclr-25065	390	27	the	the	DET
iiclr-25065	390	28	month	month	NOUN
iiclr-25065	390	29	.	.	PUNCT
iiclr-25065	391	1	133	133	NUM
iiclr-25065	391	2	often	often	ADV
iiclr-25065	391	3	,	,	PUNCT
iiclr-25065	391	4	the	the	DET
iiclr-25065	391	5	product	product	NOUN
iiclr-25065	391	6	marketing	marketing	NOUN
iiclr-25065	391	7	promised	promise	VERB
iiclr-25065	391	8	that	that	SCONJ
iiclr-25065	391	9	“	"	PUNCT
iiclr-25065	391	10	the	the	DET
iiclr-25065	391	11	fee	fee	NOUN
iiclr-25065	391	12	would	would	AUX
iiclr-25065	391	13	usually	usually	ADV
iiclr-25065	391	14	be	be	AUX
iiclr-25065	391	15	less	less	ADJ
iiclr-25065	391	16	than	than	ADP
iiclr-25065	391	17	a	a	DET
iiclr-25065	391	18	dollar	dollar	NOUN
iiclr-25065	391	19	or	or	CCONJ
iiclr-25065	391	20	less	less	ADJ
iiclr-25065	391	21	than	than	ADP
iiclr-25065	391	22	ten	ten	NUM
iiclr-25065	391	23	dollars	dollar	NOUN
iiclr-25065	391	24	.	.	PUNCT
iiclr-25065	391	25	”	"	PUNCT
iiclr-25065	392	1	134	134	NUM
iiclr-25065	392	2	some	some	DET
iiclr-25065	392	3	consumers	consumer	NOUN
iiclr-25065	392	4	misunderstood	misunderstood	VERB
iiclr-25065	392	5	that	that	SCONJ
iiclr-25065	392	6	the	the	DET
iiclr-25065	392	7	fee	fee	NOUN
iiclr-25065	392	8	would	would	AUX
iiclr-25065	392	9	be	be	AUX
iiclr-25065	392	10	a	a	DET
iiclr-25065	392	11	flat	flat	ADJ
iiclr-25065	392	12	fee	fee	NOUN
iiclr-25065	392	13	,	,	PUNCT
iiclr-25065	392	14	when	when	SCONJ
iiclr-25065	392	15	in	in	ADP
iiclr-25065	392	16	fact	fact	NOUN
iiclr-25065	392	17	it	it	PRON
iiclr-25065	392	18	fluctuated	fluctuate	VERB
iiclr-25065	392	19	commensurate	commensurate	ADJ
iiclr-25065	392	20	to	to	ADP
iiclr-25065	392	21	the	the	DET
iiclr-25065	392	22	amount	amount	NOUN
iiclr-25065	392	23	of	of	ADP
iiclr-25065	392	24	the	the	DET
iiclr-25065	392	25	month	month	NOUN
iiclr-25065	392	26	-	-	PUNCT
iiclr-25065	392	27	end	end	NOUN
iiclr-25065	392	28	balance	balance	NOUN
iiclr-25065	392	29	.	.	PUNCT
iiclr-25065	393	1	at	at	ADP
iiclr-25065	393	2	times	time	NOUN
iiclr-25065	393	3	,	,	PUNCT
iiclr-25065	393	4	the	the	DET
iiclr-25065	393	5	scope	scope	NOUN
iiclr-25065	393	6	and	and	CCONJ
iiclr-25065	393	7	불완전판매에	불완전판매에	ADJ
iiclr-25065	393	8	대한	대한	X
iiclr-25065	393	9	소비자	소비자	NOUN
iiclr-25065	393	10	피해구제	피해구제	NOUN
iiclr-25065	393	11	사례	사례	ADP
iiclr-25065	393	12	연구를	연구를	NOUN
iiclr-25065	393	13	중심으로	중심으로	PROPN
iiclr-25065	393	14	]	]	PUNCT
iiclr-25065	393	15	s.	s.	PROPN
iiclr-25065	393	16	kor	kor	PROPN
iiclr-25065	393	17	.	.	PROPN
iiclr-25065	393	18	bus	bus	PROPN
iiclr-25065	393	19	.	.	PUNCT
iiclr-25065	394	1	l.	l.	PROPN
iiclr-25065	394	2	assoc	assoc	PROPN
iiclr-25065	394	3	.	.	PROPN
iiclr-25065	394	4	,	,	PUNCT
iiclr-25065	394	5	32	32	NUM
iiclr-25065	394	6	bus	bus	NOUN
iiclr-25065	394	7	.	.	PUNCT
iiclr-25065	395	1	l.	l.	PROPN
iiclr-25065	395	2	rev	rev	PROPN
iiclr-25065	395	3	.	.	PROPN
iiclr-25065	395	4	317	317	NUM
iiclr-25065	395	5	,	,	PUNCT
iiclr-25065	395	6	319	319	NUM
iiclr-25065	395	7	-	-	SYM
iiclr-25065	395	8	24	24	NUM
iiclr-25065	395	9	(	(	PUNCT
iiclr-25065	395	10	2018	2018	NUM
iiclr-25065	395	11	)	)	PUNCT
iiclr-25065	395	12	.	.	PUNCT
iiclr-25065	396	1	129	129	NUM
iiclr-25065	396	2	.	.	PUNCT
iiclr-25065	397	1	i	i	PRON
iiclr-25065	397	2	d.	d.	PROPN
iiclr-25065	397	3	at	at	ADP
iiclr-25065	397	4	321	321	NUM
iiclr-25065	397	5	(	(	PUNCT
iiclr-25065	397	6	citing	cite	VERB
iiclr-25065	397	7	the	the	DET
iiclr-25065	397	8	board	board	NOUN
iiclr-25065	397	9	of	of	ADP
iiclr-25065	397	10	audit	audit	NOUN
iiclr-25065	397	11	of	of	ADP
iiclr-25065	397	12	korea	korea	PROPN
iiclr-25065	397	13	board	board	PROPN
iiclr-25065	397	14	of	of	ADP
iiclr-25065	397	15	audit	audit	NOUN
iiclr-25065	397	16	and	and	CCONJ
iiclr-25065	397	17	inspection	inspection	NOUN
iiclr-25065	397	18	,	,	PUNCT
iiclr-25065	397	19	notice	notice	NOUN
iiclr-25065	397	20	,	,	PUNCT
iiclr-25065	397	21	improper	improper	ADJ
iiclr-25065	397	22	guidance	guidance	NOUN
iiclr-25065	397	23	and	and	CCONJ
iiclr-25065	397	24	supervision	supervision	NOUN
iiclr-25065	397	25	of	of	ADP
iiclr-25065	397	26	credit	credit	NOUN
iiclr-25065	397	27	card	card	NOUN
iiclr-25065	397	28	companies	company	NOUN
iiclr-25065	397	29	’	'	PUNCT
iiclr-25065	397	30	ancillary	ancillary	ADJ
iiclr-25065	397	31	work	work	NOUN
iiclr-25065	397	32	)	)	PUNCT
iiclr-25065	398	1	[	[	X
iiclr-25065	398	2	감사원	감사원	X
iiclr-25065	398	3	,	,	PUNCT
iiclr-25065	398	4	통보	통보	INTJ
iiclr-25065	398	5	,	,	PUNCT
iiclr-25065	398	6	신용카드사	신용카드사	ADJ
iiclr-25065	398	7	부수업무	부수업무	NOUN
iiclr-25065	398	8	수행에	수행에	NOUN
iiclr-25065	398	9	대한	대한	NOUN
iiclr-25065	398	10	지도·감독	지도·감독	VERB
iiclr-25065	398	11	부적정	부적정	PROPN
iiclr-25065	398	12	]	]	PUNCT
iiclr-25065	398	13	)	)	PUNCT
iiclr-25065	398	14	.	.	PUNCT
iiclr-25065	399	1	130	130	NUM
iiclr-25065	399	2	.	.	PUNCT
iiclr-25065	400	1	i	i	PRON
iiclr-25065	400	2	d.	d.	PROPN
iiclr-25065	400	3	131	131	NUM
iiclr-25065	400	4	.	.	PUNCT
iiclr-25065	401	1	i	i	PRON
iiclr-25065	401	2	d.	d.	PROPN
iiclr-25065	401	3	132	132	NUM
iiclr-25065	401	4	.	.	PUNCT
iiclr-25065	402	1	i	i	PRON
iiclr-25065	402	2	d.	d.	PROPN
iiclr-25065	402	3	(	(	PUNCT
iiclr-25065	402	4	citing	cite	VERB
iiclr-25065	402	5	korea	korea	PROPN
iiclr-25065	402	6	conusmer	conusmer	PROPN
iiclr-25065	402	7	agency	agency	PROPN
iiclr-25065	402	8	,	,	PUNCT
iiclr-25065	402	9	research	research	NOUN
iiclr-25065	402	10	report	report	NOUN
iiclr-25065	402	11	,	,	PUNCT
iiclr-25065	402	12	problems	problem	NOUN
iiclr-25065	402	13	and	and	CCONJ
iiclr-25065	402	14	reform	reform	NOUN
iiclr-25065	402	15	proposals	proposal	NOUN
iiclr-25065	402	16	for	for	ADP
iiclr-25065	402	17	credit	credit	NOUN
iiclr-25065	402	18	card	card	NOUN
iiclr-25065	402	19	add	add	VERB
iiclr-25065	402	20	-	-	PUNCT
iiclr-25065	402	21	on	on	ADP
iiclr-25065	402	22	products	product	NOUN
iiclr-25065	402	23	[	[	X
iiclr-25065	402	24	debt	debt	NOUN
iiclr-25065	402	25	cancellation	cancellation	NOUN
iiclr-25065	402	26	and	and	CCONJ
iiclr-25065	402	27	debt	debt	NOUN
iiclr-25065	402	28	suspension	suspension	NOUN
iiclr-25065	402	29	]	]	PUNCT
iiclr-25065	402	30	(	(	PUNCT
iiclr-25065	402	31	2015	2015	NUM
iiclr-25065	402	32	)	)	PUNCT
iiclr-25065	403	1	[	[	X
iiclr-25065	403	2	한국소비자원	한국소비자원	NOUN
iiclr-25065	403	3	,	,	PUNCT
iiclr-25065	403	4	조사보고서	조사보고서	NOUN
iiclr-25065	403	5	:	:	PUNCT
iiclr-25065	403	6	신용카드사	신용카드사	ADJ
iiclr-25065	403	7	부가상품	부가상품	PROPN
iiclr-25065	403	8	[	[	X
iiclr-25065	403	9	채무면제·유예상품	채무면제·유예상품	X
iiclr-25065	403	10	]	]	X
iiclr-25065	403	11	문제점	문제점	NOUN
iiclr-25065	403	12	및	및	ADP
iiclr-25065	403	13	개선방안	개선방안	NOUN
iiclr-25065	403	14	]	]	PUNCT
iiclr-25065	403	15	)	)	PUNCT
iiclr-25065	403	16	.	.	PUNCT
iiclr-25065	404	1	133	133	NUM
iiclr-25065	404	2	.	.	PUNCT
iiclr-25065	405	1	i	i	PRON
iiclr-25065	405	2	d.	d.	PROPN
iiclr-25065	405	3	134	134	NUM
iiclr-25065	405	4	.	.	PUNCT
iiclr-25065	406	1	i	i	PRON
iiclr-25065	406	2	d.	d.	PROPN
iiclr-25065	406	3	2019	2019	NUM
iiclr-25065	406	4	]	]	PUNCT
iiclr-25065	406	5	toward	toward	ADP
iiclr-25065	406	6	regulatory	regulatory	ADJ
iiclr-25065	406	7	mass	mass	NOUN
iiclr-25065	406	8	redress	redress	NOUN
iiclr-25065	406	9	schemes	scheme	NOUN
iiclr-25065	406	10	117	117	NUM
iiclr-25065	406	11	meaning	meaning	NOUN
iiclr-25065	406	12	of	of	ADP
iiclr-25065	406	13	balance	balance	NOUN
iiclr-25065	406	14	was	be	AUX
iiclr-25065	406	15	unclear	unclear	ADJ
iiclr-25065	406	16	to	to	ADP
iiclr-25065	406	17	the	the	DET
iiclr-25065	406	18	consumer	consumer	NOUN
iiclr-25065	406	19	.	.	PUNCT
iiclr-25065	407	1	in	in	ADP
iiclr-25065	407	2	most	most	ADJ
iiclr-25065	407	3	cases	case	NOUN
iiclr-25065	407	4	this	this	DET
iiclr-25065	407	5	term	term	NOUN
iiclr-25065	407	6	included	include	VERB
iiclr-25065	407	7	not	not	PART
iiclr-25065	407	8	only	only	ADV
iiclr-25065	407	9	credit	credit	NOUN
iiclr-25065	407	10	card	card	NOUN
iiclr-25065	407	11	balances	balance	NOUN
iiclr-25065	407	12	but	but	CCONJ
iiclr-25065	407	13	also	also	ADV
iiclr-25065	407	14	the	the	DET
iiclr-25065	407	15	sum	sum	NOUN
iiclr-25065	407	16	of	of	ADP
iiclr-25065	407	17	other	other	ADJ
iiclr-25065	407	18	credit	credit	NOUN
iiclr-25065	407	19	services	service	NOUN
iiclr-25065	407	20	that	that	PRON
iiclr-25065	407	21	the	the	DET
iiclr-25065	407	22	credit	credit	NOUN
iiclr-25065	407	23	card	card	NOUN
iiclr-25065	407	24	company	company	NOUN
iiclr-25065	407	25	offered	offer	VERB
iiclr-25065	407	26	(	(	PUNCT
iiclr-25065	407	27	i.e.	i.e.	X
iiclr-25065	407	28	,	,	PUNCT
iiclr-25065	407	29	short	short	ADJ
iiclr-25065	407	30	-	-	PUNCT
iiclr-25065	407	31	term	term	NOUN
iiclr-25065	407	32	loans	loan	NOUN
iiclr-25065	407	33	,	,	PUNCT
iiclr-25065	407	34	installment	installment	NOUN
iiclr-25065	407	35	loans	loan	NOUN
iiclr-25065	407	36	and	and	CCONJ
iiclr-25065	407	37	revolving	revolve	VERB
iiclr-25065	407	38	credit	credit	NOUN
iiclr-25065	407	39	)	)	PUNCT
iiclr-25065	407	40	which	which	PRON
iiclr-25065	407	41	typically	typically	ADV
iiclr-25065	407	42	came	come	VERB
iiclr-25065	407	43	to	to	ADP
iiclr-25065	407	44	much	much	ADV
iiclr-25065	407	45	more	more	ADJ
iiclr-25065	407	46	than	than	ADP
iiclr-25065	407	47	just	just	ADV
iiclr-25065	407	48	the	the	DET
iiclr-25065	407	49	monthly	monthly	ADJ
iiclr-25065	407	50	credit	credit	NOUN
iiclr-25065	407	51	card	card	NOUN
iiclr-25065	407	52	bill	bill	NOUN
iiclr-25065	407	53	.	.	PUNCT
iiclr-25065	408	1	135	135	NUM
iiclr-25065	408	2	in	in	ADP
iiclr-25065	408	3	other	other	ADJ
iiclr-25065	408	4	words	word	NOUN
iiclr-25065	408	5	,	,	PUNCT
iiclr-25065	408	6	depending	depend	VERB
iiclr-25065	408	7	on	on	ADP
iiclr-25065	408	8	the	the	DET
iiclr-25065	408	9	type	type	NOUN
iiclr-25065	408	10	of	of	ADP
iiclr-25065	408	11	contract	contract	NOUN
iiclr-25065	408	12	,	,	PUNCT
iiclr-25065	408	13	the	the	DET
iiclr-25065	408	14	company	company	NOUN
iiclr-25065	408	15	often	often	ADV
iiclr-25065	408	16	carried	carry	VERB
iiclr-25065	408	17	over	over	ADP
iiclr-25065	408	18	the	the	DET
iiclr-25065	408	19	total	total	ADJ
iiclr-25065	408	20	amount	amount	NOUN
iiclr-25065	408	21	of	of	ADP
iiclr-25065	408	22	the	the	DET
iiclr-25065	408	23	installment	installment	NOUN
iiclr-25065	408	24	or	or	CCONJ
iiclr-25065	408	25	the	the	DET
iiclr-25065	408	26	revolving	revolve	VERB
iiclr-25065	408	27	amount	amount	NOUN
iiclr-25065	408	28	from	from	ADP
iiclr-25065	408	29	the	the	DET
iiclr-25065	408	30	previous	previous	ADJ
iiclr-25065	408	31	month	month	NOUN
iiclr-25065	408	32	,	,	PUNCT
iiclr-25065	408	33	including	include	VERB
iiclr-25065	408	34	it	it	PRON
iiclr-25065	408	35	in	in	ADP
iiclr-25065	408	36	the	the	DET
iiclr-25065	408	37	next	next	ADJ
iiclr-25065	408	38	month	month	NOUN
iiclr-25065	408	39	’s	’s	PART
iiclr-25065	408	40	balance	balance	NOUN
iiclr-25065	408	41	for	for	ADP
iiclr-25065	408	42	the	the	DET
iiclr-25065	408	43	purpose	purpose	NOUN
iiclr-25065	408	44	of	of	ADP
iiclr-25065	408	45	calculating	calculate	VERB
iiclr-25065	408	46	dcds	dcds	PROPN
iiclr-25065	408	47	fees	fee	NOUN
iiclr-25065	408	48	.	.	PUNCT
iiclr-25065	409	1	if	if	SCONJ
iiclr-25065	409	2	a	a	DET
iiclr-25065	409	3	customer	customer	NOUN
iiclr-25065	409	4	had	have	VERB
iiclr-25065	409	5	a	a	DET
iiclr-25065	409	6	significant	significant	ADJ
iiclr-25065	409	7	balance	balance	NOUN
iiclr-25065	409	8	,	,	PUNCT
iiclr-25065	409	9	then	then	ADV
iiclr-25065	409	10	the	the	DET
iiclr-25065	409	11	fees	fee	NOUN
iiclr-25065	409	12	could	could	AUX
iiclr-25065	409	13	run	run	VERB
iiclr-25065	409	14	up	up	ADP
iiclr-25065	409	15	to	to	ADP
iiclr-25065	409	16	tens	ten	NOUN
iiclr-25065	409	17	or	or	CCONJ
iiclr-25065	409	18	hundreds	hundred	NOUN
iiclr-25065	409	19	of	of	ADP
iiclr-25065	409	20	dollars	dollar	NOUN
iiclr-25065	409	21	,	,	PUNCT
iiclr-25065	409	22	considerably	considerably	ADV
iiclr-25065	409	23	more	more	ADJ
iiclr-25065	409	24	than	than	ADP
iiclr-25065	409	25	the	the	DET
iiclr-25065	409	26	amount	amount	NOUN
iiclr-25065	409	27	that	that	PRON
iiclr-25065	409	28	telemarketers	telemarketer	NOUN
iiclr-25065	409	29	had	have	AUX
iiclr-25065	409	30	promoted	promote	VERB
iiclr-25065	409	31	.	.	PUNCT
iiclr-25065	410	1	as	as	ADP
iiclr-25065	410	2	a	a	DET
iiclr-25065	410	3	result	result	NOUN
iiclr-25065	410	4	of	of	ADP
iiclr-25065	410	5	this	this	DET
iiclr-25065	410	6	kind	kind	NOUN
iiclr-25065	410	7	of	of	ADP
iiclr-25065	410	8	fraudulent	fraudulent	ADJ
iiclr-25065	410	9	sale	sale	NOUN
iiclr-25065	410	10	,	,	PUNCT
iiclr-25065	410	11	dcds	dcds	NOUN
iiclr-25065	410	12	-	-	PUNCT
iiclr-25065	410	13	related	relate	VERB
iiclr-25065	410	14	complaints	complaint	NOUN
iiclr-25065	410	15	filed	file	VERB
iiclr-25065	410	16	with	with	ADP
iiclr-25065	410	17	the	the	DET
iiclr-25065	410	18	korea	korea	PROPN
iiclr-25065	410	19	consumers	consumers	PROPN
iiclr-25065	410	20	agency	agency	PROPN
iiclr-25065	410	21	(	(	PUNCT
iiclr-25065	410	22	kca	kca	PROPN
iiclr-25065	410	23	)	)	PUNCT
iiclr-25065	410	24	and	and	CCONJ
iiclr-25065	410	25	the	the	DET
iiclr-25065	410	26	fss	fss	NOUN
iiclr-25065	410	27	increased	increase	VERB
iiclr-25065	410	28	significantly	significantly	ADV
iiclr-25065	410	29	after	after	ADP
iiclr-25065	410	30	2010	2010	NUM
iiclr-25065	410	31	.	.	PUNCT
iiclr-25065	411	1	in	in	ADP
iiclr-25065	411	2	2015	2015	NUM
iiclr-25065	411	3	-	-	SYM
iiclr-25065	411	4	2016	2016	NUM
iiclr-25065	411	5	,	,	PUNCT
iiclr-25065	411	6	dcds	dcds	NOUN
iiclr-25065	411	7	-	-	PUNCT
iiclr-25065	411	8	related	relate	VERB
iiclr-25065	411	9	complaints	complaint	NOUN
iiclr-25065	411	10	ranked	rank	VERB
iiclr-25065	411	11	at	at	ADP
iiclr-25065	411	12	the	the	DET
iiclr-25065	411	13	top	top	NOUN
iiclr-25065	411	14	of	of	ADP
iiclr-25065	411	15	all	all	DET
iiclr-25065	411	16	credit	credit	NOUN
iiclr-25065	411	17	card	card	NOUN
iiclr-25065	411	18	-	-	PUNCT
iiclr-25065	411	19	related	relate	VERB
iiclr-25065	411	20	complaints	complaint	NOUN
iiclr-25065	411	21	,	,	PUNCT
iiclr-25065	411	22	and	and	CCONJ
iiclr-25065	411	23	mis	mi	NOUN
iiclr-25065	411	24	-	-	PUNCT
iiclr-25065	411	25	selling	selling	NOUN
iiclr-25065	411	26	was	be	AUX
iiclr-25065	411	27	the	the	DET
iiclr-25065	411	28	most	most	ADV
iiclr-25065	411	29	common	common	ADJ
iiclr-25065	411	30	factor	factor	NOUN
iiclr-25065	411	31	(	(	PUNCT
iiclr-25065	411	32	78.6	78.6	NUM
iiclr-25065	411	33	%	%	NOUN
iiclr-25065	411	34	)	)	PUNCT
iiclr-25065	411	35	of	of	ADP
iiclr-25065	411	36	all	all	DET
iiclr-25065	411	37	such	such	ADJ
iiclr-25065	411	38	dcds	dcds	NOUN
iiclr-25065	411	39	-	-	PUNCT
iiclr-25065	411	40	related	relate	VERB
iiclr-25065	411	41	complaints.136	complaints.136	NOUN
iiclr-25065	411	42	(	(	PUNCT
iiclr-25065	411	43	2	2	NUM
iiclr-25065	411	44	)	)	PUNCT
iiclr-25065	411	45	regulator	regulator	NOUN
iiclr-25065	411	46	’s	’s	PART
iiclr-25065	411	47	response	response	NOUN
iiclr-25065	411	48	and	and	CCONJ
iiclr-25065	411	49	consumer	consumer	NOUN
iiclr-25065	411	50	redress	redress	NOUN
iiclr-25065	411	51	the	the	DET
iiclr-25065	411	52	increase	increase	NOUN
iiclr-25065	411	53	of	of	ADP
iiclr-25065	411	54	dcds	dcds	ADJ
iiclr-25065	411	55	consumer	consumer	NOUN
iiclr-25065	411	56	complaints	complaint	NOUN
iiclr-25065	411	57	after	after	ADP
iiclr-25065	411	58	2010	2010	NUM
iiclr-25065	411	59	triggered	trigger	VERB
iiclr-25065	411	60	the	the	DET
iiclr-25065	411	61	fss	fss	NOUN
iiclr-25065	411	62	to	to	PART
iiclr-25065	411	63	issue	issue	VERB
iiclr-25065	411	64	a	a	DET
iiclr-25065	411	65	series	series	NOUN
iiclr-25065	411	66	of	of	ADP
iiclr-25065	411	67	regulatory	regulatory	ADJ
iiclr-25065	411	68	actions	action	NOUN
iiclr-25065	411	69	relating	relate	VERB
iiclr-25065	411	70	to	to	ADP
iiclr-25065	411	71	dcds	dcds	ADJ
iiclr-25065	411	72	products	product	NOUN
iiclr-25065	411	73	.	.	PUNCT
iiclr-25065	412	1	in	in	ADP
iiclr-25065	412	2	2013	2013	NUM
iiclr-25065	412	3	,	,	PUNCT
iiclr-25065	412	4	the	the	DET
iiclr-25065	412	5	fss	fss	NOUN
iiclr-25065	412	6	required	require	VERB
iiclr-25065	412	7	the	the	DET
iiclr-25065	412	8	credit	credit	NOUN
iiclr-25065	412	9	card	card	NOUN
iiclr-25065	412	10	companies	company	NOUN
iiclr-25065	412	11	to	to	PART
iiclr-25065	412	12	lower	low	ADJ
iiclr-25065	412	13	dcds	dcds	PROPN
iiclr-25065	412	14	fees.137	fees.137	NOUN
iiclr-25065	412	15	in	in	ADP
iiclr-25065	412	16	2015	2015	NUM
iiclr-25065	412	17	,	,	PUNCT
iiclr-25065	412	18	the	the	DET
iiclr-25065	412	19	fss	fss	NOUN
iiclr-25065	412	20	prepared	prepare	VERB
iiclr-25065	412	21	a	a	DET
iiclr-25065	412	22	comprehensive	comprehensive	ADJ
iiclr-25065	412	23	review	review	NOUN
iiclr-25065	412	24	of	of	ADP
iiclr-25065	412	25	the	the	DET
iiclr-25065	412	26	business	business	NOUN
iiclr-25065	412	27	conduct	conduct	NOUN
iiclr-25065	412	28	of	of	ADP
iiclr-25065	412	29	all	all	DET
iiclr-25065	412	30	credit	credit	NOUN
iiclr-25065	412	31	card	card	NOUN
iiclr-25065	412	32	companies	company	NOUN
iiclr-25065	412	33	.	.	PUNCT
iiclr-25065	413	1	138	138	NUM
iiclr-25065	413	2	in	in	ADP
iiclr-25065	413	3	may	may	PROPN
iiclr-25065	413	4	2016	2016	NUM
iiclr-25065	413	5	,	,	PUNCT
iiclr-25065	413	6	the	the	DET
iiclr-25065	413	7	fss	fss	NOUN
iiclr-25065	413	8	entered	enter	VERB
iiclr-25065	413	9	into	into	ADP
iiclr-25065	413	10	a	a	DET
iiclr-25065	413	11	memorandum	memorandum	NOUN
iiclr-25065	413	12	of	of	ADP
iiclr-25065	413	13	understanding	understanding	NOUN
iiclr-25065	413	14	(	(	PUNCT
iiclr-25065	413	15	mou	mou	PROPN
iiclr-25065	413	16	)	)	PUNCT
iiclr-25065	413	17	with	with	ADP
iiclr-25065	413	18	the	the	DET
iiclr-25065	413	19	credit	credit	NOUN
iiclr-25065	413	20	card	card	NOUN
iiclr-25065	413	21	companies	company	NOUN
iiclr-25065	413	22	seeking	seek	VERB
iiclr-25065	413	23	to	to	PART
iiclr-25065	413	24	improve	improve	VERB
iiclr-25065	413	25	business	business	NOUN
iiclr-25065	413	26	conduct.139	conduct.139	PROPN
iiclr-25065	413	27	from	from	ADP
iiclr-25065	413	28	november	november	PROPN
iiclr-25065	413	29	to	to	ADP
iiclr-25065	413	30	december	december	PROPN
iiclr-25065	413	31	2016	2016	NUM
iiclr-25065	413	32	,	,	PUNCT
iiclr-25065	413	33	the	the	DET
iiclr-25065	413	34	fss	fss	NOUN
iiclr-25065	413	35	reviewed	review	VERB
iiclr-25065	413	36	the	the	DET
iiclr-25065	413	37	credit	credit	NOUN
iiclr-25065	413	38	card	card	NOUN
iiclr-25065	413	39	companies	company	NOUN
iiclr-25065	413	40	’	'	PUNCT
iiclr-25065	413	41	performance	performance	NOUN
iiclr-25065	413	42	of	of	ADP
iiclr-25065	413	43	the	the	DET
iiclr-25065	413	44	mous	mous	NOUN
iiclr-25065	413	45	.	.	PUNCT
iiclr-25065	414	1	in	in	ADP
iiclr-25065	414	2	this	this	DET
iiclr-25065	414	3	process	process	NOUN
iiclr-25065	414	4	the	the	DET
iiclr-25065	414	5	fss	fss	NOUN
iiclr-25065	414	6	found	find	VERB
iiclr-25065	414	7	the	the	DET
iiclr-25065	414	8	credit	credit	NOUN
iiclr-25065	414	9	card	card	NOUN
iiclr-25065	414	10	companies	company	NOUN
iiclr-25065	414	11	had	have	VERB
iiclr-25065	414	12	mis	mi	NOUN
iiclr-25065	414	13	-	-	PUNCT
iiclr-25065	414	14	sold	sell	VERB
iiclr-25065	414	15	the	the	DET
iiclr-25065	414	16	dcds	dcds	NOUN
iiclr-25065	414	17	and	and	CCONJ
iiclr-25065	414	18	advised	advise	VERB
iiclr-25065	414	19	the	the	DET
iiclr-25065	414	20	companies	company	NOUN
iiclr-25065	414	21	to	to	PART
iiclr-25065	414	22	repay	repay	VERB
iiclr-25065	414	23	the	the	DET
iiclr-25065	414	24	mis	mis	NOUN
iiclr-25065	414	25	-	-	PUNCT
iiclr-25065	414	26	sold	sell	VERB
iiclr-25065	414	27	funds	fund	NOUN
iiclr-25065	414	28	to	to	ADP
iiclr-25065	414	29	the	the	DET
iiclr-25065	414	30	consumers.140	consumers.140	PROPN
iiclr-25065	414	31	the	the	DET
iiclr-25065	414	32	fss	fss	PROPN
iiclr-25065	414	33	determined	determine	VERB
iiclr-25065	414	34	that	that	SCONJ
iiclr-25065	414	35	650	650	NUM
iiclr-25065	414	36	thousand	thousand	NUM
iiclr-25065	414	37	customers	customer	NOUN
iiclr-25065	414	38	were	be	AUX
iiclr-25065	414	39	eligible	eligible	ADJ
iiclr-25065	414	40	for	for	ADP
iiclr-25065	414	41	reimbursements	reimbursement	NOUN
iiclr-25065	414	42	amounts	amount	NOUN
iiclr-25065	414	43	of	of	ADP
iiclr-25065	414	44	23	23	NUM
iiclr-25065	414	45	million	million	NUM
iiclr-25065	414	46	usd	usd	NOUN
iiclr-25065	414	47	(	(	PUNCT
iiclr-25065	414	48	krw	krw	PROPN
iiclr-25065	414	49	26.1	26.1	NUM
iiclr-25065	414	50	trillion	trillion	NUM
iiclr-25065	414	51	)	)	PUNCT
iiclr-25065	414	52	.	.	PUNCT
iiclr-25065	415	1	141	141	NUM
iiclr-25065	415	2	as	as	SCONJ
iiclr-25065	415	3	the	the	DET
iiclr-25065	415	4	problem	problem	NOUN
iiclr-25065	415	5	persisted	persist	VERB
iiclr-25065	415	6	,	,	PUNCT
iiclr-25065	415	7	in	in	ADP
iiclr-25065	415	8	2016	2016	NUM
iiclr-25065	415	9	the	the	DET
iiclr-25065	415	10	authorities	authority	NOUN
iiclr-25065	415	11	banned	ban	VERB
iiclr-25065	415	12	new	new	ADJ
iiclr-25065	415	13	sales	sale	NOUN
iiclr-25065	415	14	of	of	ADP
iiclr-25065	415	15	dcds	dcds	ADJ
iiclr-25065	415	16	products	product	NOUN
iiclr-25065	415	17	altogether	altogether	ADV
iiclr-25065	415	18	(	(	PUNCT
iiclr-25065	415	19	although	although	SCONJ
iiclr-25065	415	20	customers	customer	NOUN
iiclr-25065	415	21	who	who	PRON
iiclr-25065	415	22	already	already	ADV
iiclr-25065	415	23	bought	buy	VERB
iiclr-25065	415	24	dcds	dcds	PROPN
iiclr-25065	415	25	products	product	NOUN
iiclr-25065	415	26	remained	remained	AUX
iiclr-25065	415	27	subscribed	subscribe	VERB
iiclr-25065	415	28	unless	unless	SCONJ
iiclr-25065	415	29	they	they	PRON
iiclr-25065	415	30	cancelled	cancel	VERB
iiclr-25065	415	31	their	their	PRON
iiclr-25065	415	32	135	135	NUM
iiclr-25065	415	33	.	.	PUNCT
iiclr-25065	416	1	i	i	PRON
iiclr-25065	416	2	d.	d.	PROPN
iiclr-25065	416	3	136	136	NUM
iiclr-25065	416	4	.	.	PUNCT
iiclr-25065	417	1	i	i	PRON
iiclr-25065	417	2	d.	d.	PROPN
iiclr-25065	417	3	at	at	ADP
iiclr-25065	417	4	322	322	NUM
iiclr-25065	417	5	.	.	NOUN
iiclr-25065	417	6	137	137	NUM
iiclr-25065	417	7	.	.	PUNCT
iiclr-25065	418	1	eun	eun	PROPN
iiclr-25065	418	2	-	-	PUNCT
iiclr-25065	418	3	joo	joo	PROPN
iiclr-25065	418	4	lee	lee	PROPN
iiclr-25065	418	5	,	,	PUNCT
iiclr-25065	418	6	card	card	NOUN
iiclr-25065	418	7	companies	company	NOUN
iiclr-25065	418	8	cut	cut	VERB
iiclr-25065	418	9	dcds	dcds	ADJ
iiclr-25065	418	10	charges	charge	NOUN
iiclr-25065	418	11	,	,	PUNCT
iiclr-25065	418	12	korea	korea	PROPN
iiclr-25065	418	13	joongang	joongang	PROPN
iiclr-25065	418	14	daily	daily	PROPN
iiclr-25065	418	15	(	(	PUNCT
iiclr-25065	418	16	apr	apr	PROPN
iiclr-25065	418	17	.	.	PROPN
iiclr-25065	418	18	18	18	NUM
iiclr-25065	418	19	,	,	PUNCT
iiclr-25065	418	20	2013	2013	NUM
iiclr-25065	418	21	)	)	PUNCT
iiclr-25065	418	22	,	,	PUNCT
iiclr-25065	418	23	http://koreajoongangdaily.joins.com/news/article/article.aspx?aid=2970323	http://koreajoongangdaily.joins.com/news/article/article.aspx?aid=2970323	PROPN
iiclr-25065	419	1	[	[	X
iiclr-25065	419	2	https://	https://	PROPN
iiclr-25065	419	3	perma.cc/2rv9-at4x	perma.cc/2rv9-at4x	SYM
iiclr-25065	419	4	]	]	PUNCT
iiclr-25065	419	5	.	.	PUNCT
iiclr-25065	420	1	138	138	NUM
iiclr-25065	420	2	.	.	PUNCT
iiclr-25065	421	1	you	you	PRON
iiclr-25065	421	2	kyung	kyung	PROPN
iiclr-25065	422	1	huh	huh	PROPN
iiclr-25065	422	2	,	,	PUNCT
iiclr-25065	422	3	supra	supra	PROPN
iiclr-25065	422	4	note	note	PROPN
iiclr-25065	422	5	128	128	NUM
iiclr-25065	422	6	,	,	PUNCT
iiclr-25065	422	7	at	at	ADP
iiclr-25065	422	8	322	322	NUM
iiclr-25065	422	9	(	(	PUNCT
iiclr-25065	422	10	citing	cite	VERB
iiclr-25065	422	11	financial	financial	ADJ
iiclr-25065	422	12	supervisory	supervisory	ADJ
iiclr-25065	422	13	service	service	NOUN
iiclr-25065	422	14	,	,	PUNCT
iiclr-25065	422	15	press	press	NOUN
iiclr-25065	422	16	release	release	NOUN
iiclr-25065	422	17	,	,	PUNCT
iiclr-25065	422	18	title	title	NOUN
iiclr-25065	422	19	:	:	PUNCT
iiclr-25065	422	20	results	result	NOUN
iiclr-25065	422	21	and	and	CCONJ
iiclr-25065	422	22	future	future	ADJ
iiclr-25065	422	23	plans	plan	NOUN
iiclr-25065	422	24	for	for	ADP
iiclr-25065	422	25	reforming	reform	VERB
iiclr-25065	422	26	the	the	DET
iiclr-25065	422	27	improper	improper	ADJ
iiclr-25065	422	28	business	business	NOUN
iiclr-25065	422	29	practices	practice	NOUN
iiclr-25065	422	30	of	of	ADP
iiclr-25065	422	31	credit	credit	NOUN
iiclr-25065	422	32	card	card	NOUN
iiclr-25065	422	33	companies	company	NOUN
iiclr-25065	422	34	(	(	PUNCT
iiclr-25065	422	35	feb	feb	PROPN
iiclr-25065	422	36	.	.	PROPN
iiclr-25065	422	37	9	9	NUM
iiclr-25065	422	38	,	,	PUNCT
iiclr-25065	422	39	2017	2017	NUM
iiclr-25065	422	40	)	)	PUNCT
iiclr-25065	422	41	)	)	PUNCT
iiclr-25065	422	42	.	.	PUNCT
iiclr-25065	423	1	139	139	NUM
iiclr-25065	423	2	.	.	PUNCT
iiclr-25065	424	1	i	i	PRON
iiclr-25065	424	2	d.	d.	PROPN
iiclr-25065	424	3	140	140	NUM
iiclr-25065	424	4	.	.	PUNCT
iiclr-25065	425	1	i	i	PRON
iiclr-25065	425	2	d.	d.	PROPN
iiclr-25065	425	3	141	141	NUM
iiclr-25065	425	4	.	.	PUNCT
iiclr-25065	426	1	i	i	PRON
iiclr-25065	426	2	d.	d.	PROPN
iiclr-25065	426	3	http://koreajoongangdaily.joins.com/news/article/article.aspx?aid=2970323	http://koreajoongangdaily.joins.com/news/article/article.aspx?aid=2970323	PROPN
iiclr-25065	426	4	indiana	indiana	PROPN
iiclr-25065	426	5	int’l	int’l	PROPN
iiclr-25065	426	6	&	&	CCONJ
iiclr-25065	426	7	comp	comp	PROPN
iiclr-25065	426	8	.	.	PUNCT
iiclr-25065	427	1	law	law	NOUN
iiclr-25065	427	2	review	review	NOUN
iiclr-25065	428	1	[	[	X
iiclr-25065	428	2	vol	vol	NOUN
iiclr-25065	428	3	.	.	PUNCT
iiclr-25065	428	4	30:99	30:99	NUM
iiclr-25065	428	5	118	118	NUM
iiclr-25065	428	6	subscriptions).142	subscriptions).142	NOUN
iiclr-25065	428	7	the	the	DET
iiclr-25065	428	8	credit	credit	NOUN
iiclr-25065	428	9	card	card	NOUN
iiclr-25065	428	10	companies	company	NOUN
iiclr-25065	428	11	’	’	PART
iiclr-25065	428	12	consumer	consumer	NOUN
iiclr-25065	428	13	redress	redress	NOUN
iiclr-25065	428	14	procedures	procedure	NOUN
iiclr-25065	428	15	were	be	AUX
iiclr-25065	428	16	not	not	PART
iiclr-25065	428	17	uniform	uniform	ADJ
iiclr-25065	428	18	.	.	PUNCT
iiclr-25065	429	1	in	in	ADP
iiclr-25065	429	2	some	some	DET
iiclr-25065	429	3	cases	case	NOUN
iiclr-25065	429	4	,	,	PUNCT
iiclr-25065	429	5	the	the	DET
iiclr-25065	429	6	companies	company	NOUN
iiclr-25065	429	7	automatically	automatically	ADV
iiclr-25065	429	8	repaid	repay	VERB
iiclr-25065	429	9	amounts	amount	NOUN
iiclr-25065	429	10	even	even	ADV
iiclr-25065	429	11	though	though	SCONJ
iiclr-25065	429	12	the	the	DET
iiclr-25065	429	13	consumers	consumer	NOUN
iiclr-25065	429	14	had	have	AUX
iiclr-25065	429	15	not	not	PART
iiclr-25065	429	16	filed	file	VERB
iiclr-25065	429	17	a	a	DET
iiclr-25065	429	18	complaint	complaint	NOUN
iiclr-25065	429	19	.	.	PUNCT
iiclr-25065	430	1	the	the	DET
iiclr-25065	430	2	companies	company	NOUN
iiclr-25065	430	3	themselves	themselves	PRON
iiclr-25065	430	4	identified	identify	VERB
iiclr-25065	430	5	and	and	CCONJ
iiclr-25065	430	6	reached	reach	VERB
iiclr-25065	430	7	out	out	ADP
iiclr-25065	430	8	to	to	ADP
iiclr-25065	430	9	this	this	DET
iiclr-25065	430	10	group	group	NOUN
iiclr-25065	430	11	of	of	ADP
iiclr-25065	430	12	customers	customer	NOUN
iiclr-25065	430	13	in	in	ADP
iiclr-25065	430	14	order	order	NOUN
iiclr-25065	430	15	to	to	PART
iiclr-25065	430	16	make	make	VERB
iiclr-25065	430	17	restitution	restitution	NOUN
iiclr-25065	430	18	.	.	PUNCT
iiclr-25065	431	1	but	but	CCONJ
iiclr-25065	431	2	in	in	ADP
iiclr-25065	431	3	other	other	ADJ
iiclr-25065	431	4	instances	instance	NOUN
iiclr-25065	431	5	,	,	PUNCT
iiclr-25065	431	6	the	the	DET
iiclr-25065	431	7	companies	company	NOUN
iiclr-25065	431	8	made	make	VERB
iiclr-25065	431	9	redress	redress	NOUN
iiclr-25065	431	10	payments	payment	NOUN
iiclr-25065	431	11	only	only	ADV
iiclr-25065	431	12	if	if	SCONJ
iiclr-25065	431	13	the	the	DET
iiclr-25065	431	14	consumers	consumer	NOUN
iiclr-25065	431	15	individually	individually	ADV
iiclr-25065	431	16	filed	file	VERB
iiclr-25065	431	17	complaints	complaint	NOUN
iiclr-25065	431	18	with	with	ADP
iiclr-25065	431	19	them	they	PRON
iiclr-25065	431	20	.	.	PUNCT
iiclr-25065	432	1	when	when	SCONJ
iiclr-25065	432	2	consumers	consumer	NOUN
iiclr-25065	432	3	did	do	VERB
iiclr-25065	432	4	this	this	PRON
iiclr-25065	432	5	,	,	PUNCT
iiclr-25065	432	6	the	the	DET
iiclr-25065	432	7	credit	credit	NOUN
iiclr-25065	432	8	card	card	NOUN
iiclr-25065	432	9	company	company	NOUN
iiclr-25065	432	10	would	would	AUX
iiclr-25065	432	11	listen	listen	VERB
iiclr-25065	432	12	to	to	ADP
iiclr-25065	432	13	the	the	DET
iiclr-25065	432	14	recording	recording	NOUN
iiclr-25065	432	15	of	of	ADP
iiclr-25065	432	16	the	the	DET
iiclr-25065	432	17	sale	sale	NOUN
iiclr-25065	432	18	,	,	PUNCT
iiclr-25065	432	19	and	and	CCONJ
iiclr-25065	432	20	if	if	SCONJ
iiclr-25065	432	21	it	it	PRON
iiclr-25065	432	22	deemed	deem	VERB
iiclr-25065	432	23	it	it	PRON
iiclr-25065	432	24	a	a	DET
iiclr-25065	432	25	misselling	misselling	NOUN
iiclr-25065	432	26	,	,	PUNCT
iiclr-25065	432	27	then	then	ADV
iiclr-25065	432	28	the	the	DET
iiclr-25065	432	29	consumers	consumer	NOUN
iiclr-25065	432	30	were	be	AUX
iiclr-25065	432	31	eligible	eligible	ADJ
iiclr-25065	432	32	for	for	ADP
iiclr-25065	432	33	a	a	DET
iiclr-25065	432	34	repayment	repayment	NOUN
iiclr-25065	432	35	.	.	PUNCT
iiclr-25065	433	1	many	many	ADJ
iiclr-25065	433	2	consumers	consumer	NOUN
iiclr-25065	433	3	were	be	AUX
iiclr-25065	433	4	not	not	PART
iiclr-25065	433	5	aware	aware	ADJ
iiclr-25065	433	6	of	of	ADP
iiclr-25065	433	7	widespread	widespread	ADJ
iiclr-25065	433	8	mis	mi	NOUN
iiclr-25065	433	9	-	-	PUNCT
iiclr-25065	433	10	selling	selling	NOUN
iiclr-25065	433	11	and	and	CCONJ
iiclr-25065	433	12	of	of	ADP
iiclr-25065	433	13	their	their	PRON
iiclr-25065	433	14	eligibility	eligibility	NOUN
iiclr-25065	433	15	to	to	PART
iiclr-25065	433	16	redress	redress	VERB
iiclr-25065	433	17	;	;	PUNCT
iiclr-25065	433	18	in	in	ADP
iiclr-25065	433	19	fact	fact	NOUN
iiclr-25065	433	20	,	,	PUNCT
iiclr-25065	433	21	many	many	ADJ
iiclr-25065	433	22	did	do	AUX
iiclr-25065	433	23	not	not	PART
iiclr-25065	433	24	even	even	ADV
iiclr-25065	433	25	realize	realize	VERB
iiclr-25065	433	26	that	that	SCONJ
iiclr-25065	433	27	they	they	PRON
iiclr-25065	433	28	had	have	AUX
iiclr-25065	433	29	subscribed	subscribe	VERB
iiclr-25065	433	30	to	to	ADP
iiclr-25065	433	31	dcds	dcds	PROPN
iiclr-25065	433	32	services	service	NOUN
iiclr-25065	433	33	.	.	PUNCT
iiclr-25065	434	1	as	as	ADP
iiclr-25065	434	2	such	such	ADJ
iiclr-25065	434	3	,	,	PUNCT
iiclr-25065	434	4	the	the	DET
iiclr-25065	434	5	fss	fss	NOUN
iiclr-25065	434	6	required	require	VERB
iiclr-25065	434	7	the	the	DET
iiclr-25065	434	8	credit	credit	NOUN
iiclr-25065	434	9	card	card	NOUN
iiclr-25065	434	10	companies	company	NOUN
iiclr-25065	434	11	to	to	PART
iiclr-25065	434	12	notify	notify	VERB
iiclr-25065	434	13	dcds	dcds	ADJ
iiclr-25065	434	14	customers	customer	NOUN
iiclr-25065	434	15	in	in	ADP
iiclr-25065	434	16	writing	writing	NOUN
iiclr-25065	434	17	,	,	PUNCT
iiclr-25065	434	18	at	at	ADP
iiclr-25065	434	19	least	least	ADJ
iiclr-25065	434	20	once	once	ADV
iiclr-25065	434	21	a	a	DET
iiclr-25065	434	22	year	year	NOUN
iiclr-25065	434	23	,	,	PUNCT
iiclr-25065	434	24	(	(	PUNCT
iiclr-25065	434	25	i	i	NOUN
iiclr-25065	434	26	)	)	PUNCT
iiclr-25065	434	27	of	of	ADP
iiclr-25065	434	28	the	the	DET
iiclr-25065	434	29	fact	fact	NOUN
iiclr-25065	434	30	that	that	SCONJ
iiclr-25065	434	31	the	the	DET
iiclr-25065	434	32	customer	customer	NOUN
iiclr-25065	434	33	had	have	AUX
iiclr-25065	434	34	enrolled	enrol	VERB
iiclr-25065	434	35	in	in	ADP
iiclr-25065	434	36	dcds	dcds	PROPN
iiclr-25065	434	37	services	service	NOUN
iiclr-25065	434	38	,	,	PUNCT
iiclr-25065	434	39	(	(	PUNCT
iiclr-25065	434	40	ii	ii	NOUN
iiclr-25065	434	41	)	)	PUNCT
iiclr-25065	434	42	of	of	ADP
iiclr-25065	434	43	the	the	DET
iiclr-25065	434	44	monthly	monthly	ADJ
iiclr-25065	434	45	fees	fee	NOUN
iiclr-25065	434	46	for	for	ADP
iiclr-25065	434	47	the	the	DET
iiclr-25065	434	48	product	product	NOUN
iiclr-25065	434	49	,	,	PUNCT
iiclr-25065	434	50	(	(	PUNCT
iiclr-25065	434	51	iii	iii	NOUN
iiclr-25065	434	52	)	)	PUNCT
iiclr-25065	434	53	of	of	ADP
iiclr-25065	434	54	the	the	DET
iiclr-25065	434	55	scope	scope	NOUN
iiclr-25065	434	56	of	of	ADP
iiclr-25065	434	57	the	the	DET
iiclr-25065	434	58	services	service	NOUN
iiclr-25065	434	59	,	,	PUNCT
iiclr-25065	434	60	and	and	CCONJ
iiclr-25065	434	61	(	(	PUNCT
iiclr-25065	434	62	iv	iv	X
iiclr-25065	434	63	)	)	PUNCT
iiclr-25065	434	64	of	of	ADP
iiclr-25065	434	65	the	the	DET
iiclr-25065	434	66	fact	fact	NOUN
iiclr-25065	434	67	that	that	SCONJ
iiclr-25065	434	68	consumers	consumer	NOUN
iiclr-25065	434	69	were	be	AUX
iiclr-25065	434	70	eligible	eligible	ADJ
iiclr-25065	434	71	to	to	PART
iiclr-25065	434	72	cancel	cancel	VERB
iiclr-25065	434	73	the	the	DET
iiclr-25065	434	74	services	service	NOUN
iiclr-25065	434	75	if	if	SCONJ
iiclr-25065	434	76	they	they	PRON
iiclr-25065	434	77	deemed	deem	VERB
iiclr-25065	434	78	them	they	PRON
iiclr-25065	434	79	unnecessary.143	unnecessary.143	PROPN
iiclr-25065	434	80	the	the	DET
iiclr-25065	434	81	companies	company	NOUN
iiclr-25065	434	82	also	also	ADV
iiclr-25065	434	83	had	have	VERB
iiclr-25065	434	84	to	to	PART
iiclr-25065	434	85	notify	notify	VERB
iiclr-25065	434	86	dcds	dcds	ADJ
iiclr-25065	434	87	consumers	consumer	NOUN
iiclr-25065	434	88	of	of	ADP
iiclr-25065	434	89	the	the	DET
iiclr-25065	434	90	past	past	ADJ
iiclr-25065	434	91	three	three	NUM
iiclr-25065	434	92	months	month	NOUN
iiclr-25065	434	93	’	'	PUNCT
iiclr-25065	434	94	worth	worth	NOUN
iiclr-25065	434	95	of	of	ADP
iiclr-25065	434	96	fees	fee	NOUN
iiclr-25065	434	97	for	for	ADP
iiclr-25065	434	98	the	the	DET
iiclr-25065	434	99	product	product	NOUN
iiclr-25065	434	100	through	through	ADP
iiclr-25065	434	101	text	text	NOUN
iiclr-25065	434	102	messages	message	NOUN
iiclr-25065	434	103	.	.	PUNCT
iiclr-25065	435	1	the	the	DET
iiclr-25065	435	2	fss	fss	PROPN
iiclr-25065	435	3	required	require	VERB
iiclr-25065	435	4	the	the	DET
iiclr-25065	435	5	credit	credit	NOUN
iiclr-25065	435	6	card	card	NOUN
iiclr-25065	435	7	companies	company	NOUN
iiclr-25065	435	8	to	to	PART
iiclr-25065	435	9	operate	operate	VERB
iiclr-25065	435	10	call	call	NOUN
iiclr-25065	435	11	centers	center	NOUN
iiclr-25065	435	12	with	with	ADP
iiclr-25065	435	13	numbers	number	NOUN
iiclr-25065	435	14	dedicated	dedicate	VERB
iiclr-25065	435	15	for	for	ADP
iiclr-25065	435	16	dcds	dcds	ADJ
iiclr-25065	435	17	products	product	NOUN
iiclr-25065	435	18	so	so	SCONJ
iiclr-25065	435	19	that	that	SCONJ
iiclr-25065	435	20	consumers	consumer	NOUN
iiclr-25065	435	21	could	could	AUX
iiclr-25065	435	22	confirm	confirm	VERB
iiclr-25065	435	23	their	their	PRON
iiclr-25065	435	24	dcds	dcds	ADJ
iiclr-25065	435	25	subscription	subscription	NOUN
iiclr-25065	435	26	status	status	NOUN
iiclr-25065	435	27	and	and	CCONJ
iiclr-25065	435	28	cancel	cancel	VERB
iiclr-25065	435	29	the	the	DET
iiclr-25065	435	30	service	service	NOUN
iiclr-25065	435	31	if	if	SCONJ
iiclr-25065	435	32	they	they	PRON
iiclr-25065	435	33	so	so	ADV
iiclr-25065	435	34	chose	choose	VERB
iiclr-25065	435	35	.	.	PUNCT
iiclr-25065	436	1	the	the	DET
iiclr-25065	436	2	local	local	ADJ
iiclr-25065	436	3	media	medium	NOUN
iiclr-25065	436	4	and	and	CCONJ
iiclr-25065	436	5	social	social	ADJ
iiclr-25065	436	6	network	network	NOUN
iiclr-25065	436	7	services	service	NOUN
iiclr-25065	436	8	(	(	PUNCT
iiclr-25065	436	9	internet	internet	NOUN
iiclr-25065	436	10	portals	portal	NOUN
iiclr-25065	436	11	,	,	PUNCT
iiclr-25065	436	12	etc	etc	X
iiclr-25065	436	13	.	.	X
iiclr-25065	436	14	)	)	PUNCT
iiclr-25065	436	15	also	also	ADV
iiclr-25065	436	16	published	publish	VERB
iiclr-25065	436	17	information	information	NOUN
iiclr-25065	436	18	about	about	ADP
iiclr-25065	436	19	the	the	DET
iiclr-25065	436	20	dcds	dcds	PROPN
iiclr-25065	436	21	mis	mis	PROPN
iiclr-25065	436	22	-	-	PUNCT
iiclr-25065	436	23	selling	sell	VERB
iiclr-25065	436	24	scandal	scandal	NOUN
iiclr-25065	436	25	.	.	PUNCT
iiclr-25065	437	1	this	this	PRON
iiclr-25065	437	2	helped	help	VERB
iiclr-25065	437	3	many	many	ADJ
iiclr-25065	437	4	consumers	consumer	NOUN
iiclr-25065	437	5	become	become	VERB
iiclr-25065	437	6	aware	aware	ADJ
iiclr-25065	437	7	of	of	ADP
iiclr-25065	437	8	the	the	DET
iiclr-25065	437	9	product	product	NOUN
iiclr-25065	437	10	,	,	PUNCT
iiclr-25065	437	11	allowing	allow	VERB
iiclr-25065	437	12	them	they	PRON
iiclr-25065	437	13	to	to	PART
iiclr-25065	437	14	file	file	VERB
iiclr-25065	437	15	complaints	complaint	NOUN
iiclr-25065	437	16	with	with	ADP
iiclr-25065	437	17	their	their	PRON
iiclr-25065	437	18	credit	credit	NOUN
iiclr-25065	437	19	card	card	NOUN
iiclr-25065	437	20	companies	company	NOUN
iiclr-25065	437	21	.	.	PUNCT
iiclr-25065	438	1	in	in	ADP
iiclr-25065	438	2	september	september	PROPN
iiclr-25065	438	3	2017	2017	NUM
iiclr-25065	438	4	,	,	PUNCT
iiclr-25065	438	5	however	however	ADV
iiclr-25065	438	6	,	,	PUNCT
iiclr-25065	438	7	the	the	DET
iiclr-25065	438	8	board	board	NOUN
iiclr-25065	438	9	of	of	ADP
iiclr-25065	438	10	audit	audit	NOUN
iiclr-25065	438	11	and	and	CCONJ
iiclr-25065	438	12	inspection	inspection	NOUN
iiclr-25065	438	13	(	(	PUNCT
iiclr-25065	438	14	bai	bai	PROPN
iiclr-25065	438	15	)	)	PUNCT
iiclr-25065	438	16	of	of	ADP
iiclr-25065	438	17	korea	korea	PROPN
iiclr-25065	438	18	,	,	PUNCT
iiclr-25065	438	19	144	144	NUM
iiclr-25065	438	20	a	a	DET
iiclr-25065	438	21	national	national	ADJ
iiclr-25065	438	22	audit	audit	NOUN
iiclr-25065	438	23	agency	agency	NOUN
iiclr-25065	438	24	,	,	PUNCT
iiclr-25065	438	25	published	publish	VERB
iiclr-25065	438	26	a	a	DET
iiclr-25065	438	27	report	report	NOUN
iiclr-25065	438	28	that	that	PRON
iiclr-25065	438	29	found	find	VERB
iiclr-25065	438	30	the	the	DET
iiclr-25065	438	31	fss	fss	NOUN
iiclr-25065	438	32	’	'	PUNCT
iiclr-25065	438	33	handling	handling	NOUN
iiclr-25065	438	34	of	of	ADP
iiclr-25065	438	35	the	the	DET
iiclr-25065	438	36	dcds	dcds	PROPN
iiclr-25065	438	37	mis	mis	PROPN
iiclr-25065	438	38	-	-	PUNCT
iiclr-25065	438	39	selling	sell	VERB
iiclr-25065	438	40	scandal	scandal	NOUN
iiclr-25065	438	41	deficient.145	deficient.145	NOUN
iiclr-25065	438	42	according	accord	VERB
iiclr-25065	438	43	to	to	ADP
iiclr-25065	438	44	the	the	DET
iiclr-25065	438	45	report	report	NOUN
iiclr-25065	438	46	,	,	PUNCT
iiclr-25065	438	47	the	the	DET
iiclr-25065	438	48	scope	scope	NOUN
iiclr-25065	438	49	of	of	ADP
iiclr-25065	438	50	dcds	dcds	PROPN
iiclr-25065	438	51	subscribers	subscriber	NOUN
iiclr-25065	438	52	who	who	PRON
iiclr-25065	438	53	were	be	AUX
iiclr-25065	438	54	eligible	eligible	ADJ
iiclr-25065	438	55	for	for	ADP
iiclr-25065	438	56	redress	redress	NOUN
iiclr-25065	438	57	was	be	AUX
iiclr-25065	438	58	much	much	ADV
iiclr-25065	438	59	broader	broad	ADJ
iiclr-25065	438	60	than	than	ADP
iiclr-25065	438	61	that	that	PRON
iiclr-25065	438	62	which	which	PRON
iiclr-25065	438	63	the	the	DET
iiclr-25065	438	64	fss	fss	NOUN
iiclr-25065	438	65	had	have	AUX
iiclr-25065	438	66	initially	initially	ADV
iiclr-25065	438	67	identified	identify	VERB
iiclr-25065	438	68	.	.	PUNCT
iiclr-25065	439	1	the	the	DET
iiclr-25065	439	2	bai	bai	PROPN
iiclr-25065	439	3	found	find	VERB
iiclr-25065	439	4	that	that	SCONJ
iiclr-25065	439	5	the	the	DET
iiclr-25065	439	6	fss	fss	NOUN
iiclr-25065	439	7	had	have	AUX
iiclr-25065	439	8	wrongly	wrongly	ADV
iiclr-25065	439	9	excluded	exclude	VERB
iiclr-25065	439	10	more	more	ADJ
iiclr-25065	439	11	than	than	ADP
iiclr-25065	439	12	2.2	2.2	NUM
iiclr-25065	439	13	million	million	NUM
iiclr-25065	439	14	consumers	consumer	NOUN
iiclr-25065	439	15	from	from	ADP
iiclr-25065	439	16	its	its	PRON
iiclr-25065	439	17	initial	initial	ADJ
iiclr-25065	439	18	consumer	consumer	NOUN
iiclr-25065	439	19	redress	redress	NOUN
iiclr-25065	439	20	scheme.146	scheme.146	PROPN
iiclr-25065	439	21	the	the	DET
iiclr-25065	439	22	bai	bai	PROPN
iiclr-25065	439	23	noted	note	VERB
iiclr-25065	439	24	the	the	DET
iiclr-25065	439	25	likelihood	likelihood	NOUN
iiclr-25065	439	26	that	that	SCONJ
iiclr-25065	439	27	these	these	DET
iiclr-25065	439	28	consumers	consumer	NOUN
iiclr-25065	439	29	were	be	AUX
iiclr-25065	439	30	not	not	PART
iiclr-25065	439	31	aware	aware	ADJ
iiclr-25065	439	32	of	of	ADP
iiclr-25065	439	33	mis	mis	NOUN
iiclr-25065	439	34	-	-	PUNCT
iiclr-25065	439	35	selling	selling	NOUN
iiclr-25065	439	36	and	and	CCONJ
iiclr-25065	439	37	that	that	SCONJ
iiclr-25065	439	38	the	the	DET
iiclr-25065	439	39	fss	fss	NOUN
iiclr-25065	439	40	had	have	AUX
iiclr-25065	439	41	been	be	AUX
iiclr-25065	439	42	wrong	wrong	ADJ
iiclr-25065	439	43	in	in	ADP
iiclr-25065	439	44	not	not	PART
iiclr-25065	439	45	devising	devise	VERB
iiclr-25065	439	46	a	a	DET
iiclr-25065	439	47	way	way	NOUN
iiclr-25065	439	48	to	to	ADP
iiclr-25065	439	49	142	142	NUM
iiclr-25065	439	50	.	.	PUNCT
iiclr-25065	440	1	kyung	kyung	PROPN
iiclr-25065	440	2	-	-	PUNCT
iiclr-25065	440	3	min	min	PROPN
iiclr-25065	440	4	lee	lee	PROPN
iiclr-25065	440	5	,	,	PUNCT
iiclr-25065	440	6	regulator	regulator	NOUN
iiclr-25065	440	7	inspects	inspect	VERB
iiclr-25065	440	8	card	card	NOUN
iiclr-25065	440	9	firms	firm	NOUN
iiclr-25065	440	10	ahead	ahead	ADV
iiclr-25065	440	11	of	of	ADP
iiclr-25065	440	12	fee	fee	NOUN
iiclr-25065	440	13	reduction	reduction	NOUN
iiclr-25065	440	14	,	,	PUNCT
iiclr-25065	440	15	the	the	DET
iiclr-25065	440	16	korea	korea	PROPN
iiclr-25065	440	17	times	times	PROPN
iiclr-25065	440	18	(	(	PUNCT
iiclr-25065	440	19	aug	aug	PROPN
iiclr-25065	440	20	.	.	PROPN
iiclr-25065	440	21	7	7	NUM
iiclr-25065	440	22	,	,	PUNCT
iiclr-25065	440	23	2019	2019	NUM
iiclr-25065	440	24	)	)	PUNCT
iiclr-25065	440	25	,	,	PUNCT
iiclr-25065	440	26	http://m.koreatimes.co.kr/pages/article.asp?newsidx=258702	http://m.koreatimes.co.kr/pages/article.asp?newsidx=258702	PROPN
iiclr-25065	440	27	[	[	X
iiclr-25065	440	28	https://perma.cc/6eau-gbjt	https://perma.cc/6eau-gbjt	X
iiclr-25065	440	29	]	]	X
iiclr-25065	440	30	143	143	NUM
iiclr-25065	440	31	.	.	PUNCT
iiclr-25065	441	1	you	you	PRON
iiclr-25065	441	2	kyung	kyung	PROPN
iiclr-25065	442	1	huh	huh	PROPN
iiclr-25065	442	2	,	,	PUNCT
iiclr-25065	442	3	supra	supra	PROPN
iiclr-25065	442	4	note	note	PROPN
iiclr-25065	442	5	128	128	NUM
iiclr-25065	442	6	,	,	PUNCT
iiclr-25065	442	7	at	at	ADP
iiclr-25065	442	8	322	322	NUM
iiclr-25065	442	9	-	-	SYM
iiclr-25065	442	10	23	23	NUM
iiclr-25065	442	11	.	.	PUNCT
iiclr-25065	443	1	144	144	NUM
iiclr-25065	443	2	.	.	PUNCT
iiclr-25065	444	1	the	the	DET
iiclr-25065	444	2	korean	korean	ADJ
iiclr-25065	444	3	constitution	constitution	NOUN
iiclr-25065	444	4	created	create	VERB
iiclr-25065	444	5	the	the	DET
iiclr-25065	444	6	bai	bai	NOUN
iiclr-25065	444	7	as	as	ADP
iiclr-25065	444	8	a	a	DET
iiclr-25065	444	9	public	public	ADJ
iiclr-25065	444	10	agency	agency	NOUN
iiclr-25065	444	11	with	with	ADP
iiclr-25065	444	12	the	the	DET
iiclr-25065	444	13	primary	primary	ADJ
iiclr-25065	444	14	function	function	NOUN
iiclr-25065	444	15	of	of	ADP
iiclr-25065	444	16	the	the	DET
iiclr-25065	444	17	auditing	auditing	NOUN
iiclr-25065	444	18	and	and	CCONJ
iiclr-25065	444	19	inspecting	inspect	VERB
iiclr-25065	444	20	the	the	DET
iiclr-25065	444	21	accounts	account	NOUN
iiclr-25065	444	22	and	and	CCONJ
iiclr-25065	444	23	the	the	DET
iiclr-25065	444	24	work	work	NOUN
iiclr-25065	444	25	of	of	ADP
iiclr-25065	444	26	government	government	NOUN
iiclr-25065	444	27	agencies	agency	NOUN
iiclr-25065	444	28	.	.	PUNCT
iiclr-25065	445	1	responsibilities	responsibility	NOUN
iiclr-25065	445	2	&	&	CCONJ
iiclr-25065	445	3	functions	function	NOUN
iiclr-25065	445	4	,	,	PUNCT
iiclr-25065	445	5	board	board	NOUN
iiclr-25065	445	6	of	of	ADP
iiclr-25065	445	7	audit	audit	NOUN
iiclr-25065	445	8	and	and	CCONJ
iiclr-25065	445	9	inspection	inspection	NOUN
iiclr-25065	445	10	,	,	PUNCT
iiclr-25065	445	11	bai	bai	PROPN
iiclr-25065	445	12	(	(	PUNCT
iiclr-25065	445	13	http://english.bai.go.kr/bai_eng/html/about/responsibilities.do?mdex=bai_eng8	http://english.bai.go.kr/bai_eng/html/about/responsibilities.do?mdex=bai_eng8	PROPN
iiclr-25065	445	14	)	)	PUNCT
iiclr-25065	446	1	[	[	X
iiclr-25065	446	2	https://perma	https://perma	X
iiclr-25065	446	3	.	.	PUNCT
iiclr-25065	446	4	cc	cc	NOUN
iiclr-25065	446	5	/	/	SYM
iiclr-25065	446	6	dwh5	dwh5	PROPN
iiclr-25065	446	7	-	-	PUNCT
iiclr-25065	446	8	8yj5	8yj5	NUM
iiclr-25065	446	9	]	]	PUNCT
iiclr-25065	446	10	(	(	PUNCT
iiclr-25065	446	11	last	last	ADV
iiclr-25065	446	12	visited	visit	VERB
iiclr-25065	446	13	aug	aug	PROPN
iiclr-25065	446	14	.	.	PROPN
iiclr-25065	446	15	5	5	NUM
iiclr-25065	446	16	,	,	PUNCT
iiclr-25065	446	17	2019	2019	NUM
iiclr-25065	446	18	)	)	PUNCT
iiclr-25065	446	19	.	.	PUNCT
iiclr-25065	447	1	145	145	NUM
iiclr-25065	447	2	.	.	PUNCT
iiclr-25065	448	1	you	you	PRON
iiclr-25065	448	2	kyung	kyung	PROPN
iiclr-25065	449	1	huh	huh	PROPN
iiclr-25065	449	2	,	,	PUNCT
iiclr-25065	449	3	supra	supra	PROPN
iiclr-25065	449	4	note	note	PROPN
iiclr-25065	449	5	128	128	NUM
iiclr-25065	449	6	,	,	PUNCT
iiclr-25065	449	7	at	at	ADP
iiclr-25065	449	8	323	323	NUM
iiclr-25065	449	9	(	(	PUNCT
iiclr-25065	449	10	citing	cite	VERB
iiclr-25065	449	11	the	the	DET
iiclr-25065	449	12	board	board	NOUN
iiclr-25065	449	13	of	of	ADP
iiclr-25065	449	14	audit	audit	NOUN
iiclr-25065	449	15	of	of	ADP
iiclr-25065	449	16	korea	korea	PROPN
iiclr-25065	449	17	board	board	PROPN
iiclr-25065	449	18	of	of	ADP
iiclr-25065	449	19	audit	audit	NOUN
iiclr-25065	449	20	and	and	CCONJ
iiclr-25065	449	21	inspection	inspection	NOUN
iiclr-25065	449	22	,	,	PUNCT
iiclr-25065	449	23	notice	notice	NOUN
iiclr-25065	449	24	,	,	PUNCT
iiclr-25065	449	25	improper	improper	ADJ
iiclr-25065	449	26	guidance	guidance	NOUN
iiclr-25065	449	27	and	and	CCONJ
iiclr-25065	449	28	supervision	supervision	NOUN
iiclr-25065	449	29	of	of	ADP
iiclr-25065	449	30	credit	credit	NOUN
iiclr-25065	449	31	card	card	NOUN
iiclr-25065	449	32	companies	company	NOUN
iiclr-25065	449	33	’	'	PUNCT
iiclr-25065	449	34	ancillary	ancillary	ADJ
iiclr-25065	449	35	work	work	NOUN
iiclr-25065	449	36	)	)	PUNCT
iiclr-25065	450	1	[	[	X
iiclr-25065	450	2	감사원	감사원	X
iiclr-25065	450	3	,	,	PUNCT
iiclr-25065	450	4	통보	통보	INTJ
iiclr-25065	450	5	,	,	PUNCT
iiclr-25065	450	6	신용카드사	신용카드사	ADJ
iiclr-25065	450	7	부수업무	부수업무	NOUN
iiclr-25065	450	8	수행에	수행에	NOUN
iiclr-25065	450	9	대한	대한	NOUN
iiclr-25065	450	10	지도·감독	지도·감독	VERB
iiclr-25065	450	11	부적정	부적정	PROPN
iiclr-25065	450	12	]	]	PUNCT
iiclr-25065	450	13	)	)	PUNCT
iiclr-25065	450	14	.	.	PUNCT
iiclr-25065	451	1	146	146	NUM
iiclr-25065	451	2	.	.	PUNCT
iiclr-25065	452	1	i	i	PRON
iiclr-25065	452	2	d.	d.	PROPN
iiclr-25065	452	3	http://m.koreatimes.co.kr/pages/article.asp?newsidx=258702	http://m.koreatimes.co.kr/pages/article.asp?newsidx=258702	PROPN
iiclr-25065	452	4	https://en.wikipedia.org/wiki/audit	https://en.wikipedia.org/wiki/audit	PROPN
iiclr-25065	452	5	https://en.wikipedia.org/wiki/account_(accountancy	https://en.wikipedia.org/wiki/account_(accountancy	NOUN
iiclr-25065	452	6	)	)	PUNCT
iiclr-25065	452	7	2019	2019	NUM
iiclr-25065	452	8	]	]	PUNCT
iiclr-25065	452	9	toward	toward	ADP
iiclr-25065	452	10	regulatory	regulatory	ADJ
iiclr-25065	452	11	mass	mass	NOUN
iiclr-25065	452	12	redress	redress	NOUN
iiclr-25065	452	13	schemes	scheme	NOUN
iiclr-25065	452	14	119	119	NUM
iiclr-25065	452	15	protect	protect	VERB
iiclr-25065	452	16	them	they	PRON
iiclr-25065	452	17	as	as	ADV
iiclr-25065	452	18	well	well	ADV
iiclr-25065	452	19	.	.	PUNCT
iiclr-25065	453	1	as	as	ADP
iiclr-25065	453	2	of	of	ADP
iiclr-25065	453	3	this	this	DET
iiclr-25065	453	4	date	date	NOUN
iiclr-25065	453	5	,	,	PUNCT
iiclr-25065	453	6	there	there	PRON
iiclr-25065	453	7	is	be	VERB
iiclr-25065	453	8	no	no	DET
iiclr-25065	453	9	evidence	evidence	NOUN
iiclr-25065	453	10	that	that	SCONJ
iiclr-25065	453	11	the	the	DET
iiclr-25065	453	12	fss	fss	NOUN
iiclr-25065	453	13	has	have	AUX
iiclr-25065	453	14	publicly	publicly	ADV
iiclr-25065	453	15	orchestrated	orchestrate	VERB
iiclr-25065	453	16	another	another	PRON
iiclr-25065	453	17	,	,	PUNCT
iiclr-25065	453	18	broader	broad	ADJ
iiclr-25065	453	19	mis	mis	NOUN
iiclr-25065	453	20	-	-	PUNCT
iiclr-25065	453	21	selling	sell	VERB
iiclr-25065	453	22	consumer	consumer	NOUN
iiclr-25065	453	23	redress	redress	NOUN
iiclr-25065	453	24	scheme	scheme	NOUN
iiclr-25065	453	25	for	for	ADP
iiclr-25065	453	26	the	the	DET
iiclr-25065	453	27	dcds	dcds	PROPN
iiclr-25065	453	28	products	product	NOUN
iiclr-25065	453	29	.	.	PUNCT
iiclr-25065	454	1	the	the	DET
iiclr-25065	454	2	korea	korea	PROPN
iiclr-25065	454	3	consumer	consumer	PROPN
iiclr-25065	454	4	agency	agency	NOUN
iiclr-25065	454	5	's	's	PART
iiclr-25065	454	6	consumer	consumer	NOUN
iiclr-25065	454	7	call	call	NOUN
iiclr-25065	454	8	centers	center	NOUN
iiclr-25065	454	9	continued	continue	VERB
iiclr-25065	454	10	to	to	PART
iiclr-25065	454	11	receive	receive	VERB
iiclr-25065	454	12	complaints	complaint	NOUN
iiclr-25065	454	13	about	about	ADP
iiclr-25065	454	14	dcds	dcds	PROPN
iiclr-25065	454	15	mis	mis	PROPN
iiclr-25065	454	16	-	-	PUNCT
iiclr-25065	454	17	selling	selling	NOUN
iiclr-25065	454	18	as	as	ADV
iiclr-25065	454	19	late	late	ADV
iiclr-25065	454	20	as	as	ADP
iiclr-25065	454	21	2018	2018	NUM
iiclr-25065	454	22	,	,	PUNCT
iiclr-25065	454	23	so	so	CCONJ
iiclr-25065	454	24	it	it	PRON
iiclr-25065	454	25	appears	appear	VERB
iiclr-25065	454	26	that	that	SCONJ
iiclr-25065	454	27	there	there	PRON
iiclr-25065	454	28	is	be	VERB
iiclr-25065	454	29	still	still	ADV
iiclr-25065	454	30	a	a	DET
iiclr-25065	454	31	large	large	ADJ
iiclr-25065	454	32	number	number	NOUN
iiclr-25065	454	33	of	of	ADP
iiclr-25065	454	34	consumers	consumer	NOUN
iiclr-25065	454	35	who	who	PRON
iiclr-25065	454	36	might	might	AUX
iiclr-25065	454	37	be	be	AUX
iiclr-25065	454	38	eligible	eligible	ADJ
iiclr-25065	454	39	for	for	ADP
iiclr-25065	454	40	redress	redress	NOUN
iiclr-25065	454	41	.	.	PUNCT
iiclr-25065	455	1	as	as	ADP
iiclr-25065	455	2	of	of	ADP
iiclr-25065	455	3	2018	2018	NUM
iiclr-25065	455	4	march	march	NOUN
iiclr-25065	455	5	,	,	PUNCT
iiclr-25065	455	6	2.1	2.1	NUM
iiclr-25065	455	7	million	million	NUM
iiclr-25065	455	8	customers	customer	NOUN
iiclr-25065	455	9	still	still	ADV
iiclr-25065	455	10	received	receive	VERB
iiclr-25065	455	11	dcds	dcds	PROPN
iiclr-25065	455	12	services.147	services.147	PROPN
iiclr-25065	455	13	the	the	DET
iiclr-25065	455	14	bai	bai	PROPN
iiclr-25065	455	15	audit	audit	NOUN
iiclr-25065	455	16	results	result	NOUN
iiclr-25065	455	17	and	and	CCONJ
iiclr-25065	455	18	the	the	DET
iiclr-25065	455	19	existence	existence	NOUN
iiclr-25065	455	20	of	of	ADP
iiclr-25065	455	21	consumer	consumer	NOUN
iiclr-25065	455	22	complaints	complaint	NOUN
iiclr-25065	455	23	as	as	ADV
iiclr-25065	455	24	late	late	ADJ
iiclr-25065	455	25	as	as	ADP
iiclr-25065	455	26	2018	2018	NUM
iiclr-25065	455	27	show	show	VERB
iiclr-25065	455	28	the	the	DET
iiclr-25065	455	29	importance	importance	NOUN
iiclr-25065	455	30	of	of	ADP
iiclr-25065	455	31	properly	properly	ADV
iiclr-25065	455	32	informing	inform	VERB
iiclr-25065	455	33	eligible	eligible	ADJ
iiclr-25065	455	34	consumers	consumer	NOUN
iiclr-25065	455	35	in	in	ADP
iiclr-25065	455	36	a	a	DET
iiclr-25065	455	37	consumer	consumer	NOUN
iiclr-25065	455	38	redress	redress	NOUN
iiclr-25065	455	39	scheme	scheme	NOUN
iiclr-25065	455	40	.	.	PUNCT
iiclr-25065	456	1	we	we	PRON
iiclr-25065	456	2	have	have	AUX
iiclr-25065	456	3	seen	see	VERB
iiclr-25065	456	4	above	above	ADP
iiclr-25065	456	5	that	that	SCONJ
iiclr-25065	456	6	the	the	DET
iiclr-25065	456	7	fss	fss	NOUN
iiclr-25065	456	8	publicized	publicize	VERB
iiclr-25065	456	9	its	its	PRON
iiclr-25065	456	10	redress	redress	NOUN
iiclr-25065	456	11	scheme	scheme	NOUN
iiclr-25065	456	12	through	through	ADP
iiclr-25065	456	13	media	medium	NOUN
iiclr-25065	456	14	exposure	exposure	NOUN
iiclr-25065	456	15	,	,	PUNCT
iiclr-25065	456	16	occasional	occasional	ADJ
iiclr-25065	456	17	discussions	discussion	NOUN
iiclr-25065	456	18	in	in	ADP
iiclr-25065	456	19	sns	sns	PROPN
iiclr-25065	456	20	posts	post	NOUN
iiclr-25065	456	21	,	,	PUNCT
iiclr-25065	456	22	and	and	CCONJ
iiclr-25065	456	23	direct	direct	ADJ
iiclr-25065	456	24	notification	notification	NOUN
iiclr-25065	456	25	from	from	ADP
iiclr-25065	456	26	the	the	DET
iiclr-25065	456	27	credit	credit	NOUN
iiclr-25065	456	28	card	card	NOUN
iiclr-25065	456	29	companies	company	NOUN
iiclr-25065	456	30	.	.	PUNCT
iiclr-25065	457	1	nevertheless	nevertheless	ADV
iiclr-25065	457	2	,	,	PUNCT
iiclr-25065	457	3	these	these	DET
iiclr-25065	457	4	attempts	attempt	NOUN
iiclr-25065	457	5	were	be	AUX
iiclr-25065	457	6	not	not	PART
iiclr-25065	457	7	sufficient	sufficient	ADJ
iiclr-25065	457	8	to	to	PART
iiclr-25065	457	9	reach	reach	VERB
iiclr-25065	457	10	all	all	DET
iiclr-25065	457	11	(	(	PUNCT
iiclr-25065	457	12	potentially	potentially	ADV
iiclr-25065	457	13	)	)	PUNCT
iiclr-25065	457	14	mis	mis	NOUN
iiclr-25065	457	15	-	-	PUNCT
iiclr-25065	457	16	sold	sell	VERB
iiclr-25065	457	17	consumers	consumer	NOUN
iiclr-25065	457	18	and	and	CCONJ
iiclr-25065	457	19	to	to	PART
iiclr-25065	457	20	encourage	encourage	VERB
iiclr-25065	457	21	them	they	PRON
iiclr-25065	457	22	to	to	PART
iiclr-25065	457	23	seek	seek	VERB
iiclr-25065	457	24	redress	redress	NOUN
iiclr-25065	457	25	.	.	PUNCT
iiclr-25065	458	1	(	(	PUNCT
iiclr-25065	458	2	3	3	X
iiclr-25065	458	3	)	)	PUNCT
iiclr-25065	458	4	implications	implication	NOUN
iiclr-25065	458	5	the	the	DET
iiclr-25065	458	6	fss	fss	NOUN
iiclr-25065	458	7	intervened	intervene	VERB
iiclr-25065	458	8	in	in	ADP
iiclr-25065	458	9	the	the	DET
iiclr-25065	458	10	problematic	problematic	ADJ
iiclr-25065	458	11	sector	sector	NOUN
iiclr-25065	458	12	at	at	ADP
iiclr-25065	458	13	an	an	DET
iiclr-25065	458	14	early	early	ADJ
iiclr-25065	458	15	stage	stage	NOUN
iiclr-25065	458	16	by	by	ADP
iiclr-25065	458	17	using	use	VERB
iiclr-25065	458	18	both	both	PRON
iiclr-25065	458	19	its	its	PRON
iiclr-25065	458	20	formal	formal	NOUN
iiclr-25065	458	21	and	and	CCONJ
iiclr-25065	458	22	its	its	PRON
iiclr-25065	458	23	informal	informal	ADJ
iiclr-25065	458	24	supervisory	supervisory	ADJ
iiclr-25065	458	25	powers	power	NOUN
iiclr-25065	458	26	.	.	PUNCT
iiclr-25065	459	1	it	it	PRON
iiclr-25065	459	2	is	be	AUX
iiclr-25065	459	3	important	important	ADJ
iiclr-25065	459	4	to	to	PART
iiclr-25065	459	5	note	note	VERB
iiclr-25065	459	6	that	that	SCONJ
iiclr-25065	459	7	the	the	DET
iiclr-25065	459	8	fss	fss	NOUN
iiclr-25065	459	9	“	"	PUNCT
iiclr-25065	459	10	advised	advise	VERB
iiclr-25065	459	11	”	"	PUNCT
iiclr-25065	459	12	the	the	DET
iiclr-25065	459	13	credit	credit	NOUN
iiclr-25065	459	14	card	card	NOUN
iiclr-25065	459	15	companies	company	NOUN
iiclr-25065	459	16	to	to	PART
iiclr-25065	459	17	offer	offer	VERB
iiclr-25065	459	18	redress	redress	NOUN
iiclr-25065	459	19	,	,	PUNCT
iiclr-25065	459	20	but	but	CCONJ
iiclr-25065	459	21	could	could	AUX
iiclr-25065	459	22	not	not	PART
iiclr-25065	459	23	legally	legally	ADV
iiclr-25065	459	24	“	"	PUNCT
iiclr-25065	459	25	require	require	VERB
iiclr-25065	459	26	”	"	PUNCT
iiclr-25065	459	27	them	they	PRON
iiclr-25065	459	28	to	to	PART
iiclr-25065	459	29	do	do	VERB
iiclr-25065	459	30	so	so	ADV
iiclr-25065	459	31	.	.	PUNCT
iiclr-25065	460	1	korean	korean	ADJ
iiclr-25065	460	2	legal	legal	ADJ
iiclr-25065	460	3	academics	academic	NOUN
iiclr-25065	460	4	categorize	categorize	VERB
iiclr-25065	460	5	these	these	DET
iiclr-25065	460	6	types	type	NOUN
iiclr-25065	460	7	of	of	ADP
iiclr-25065	460	8	“	"	PUNCT
iiclr-25065	460	9	advisories	advisory	NOUN
iiclr-25065	460	10	”	"	PUNCT
iiclr-25065	460	11	as	as	ADP
iiclr-25065	460	12	a	a	DET
iiclr-25065	460	13	type	type	NOUN
iiclr-25065	460	14	of	of	ADP
iiclr-25065	460	15	“	"	PUNCT
iiclr-25065	460	16	administrative	administrative	ADJ
iiclr-25065	460	17	guidance	guidance	NOUN
iiclr-25065	460	18	(	(	PUNCT
iiclr-25065	460	19	haengjungjido),”148	haengjungjido),”148	X
iiclr-25065	460	20	which	which	PRON
iiclr-25065	460	21	has	have	VERB
iiclr-25065	460	22	no	no	DET
iiclr-25065	460	23	binding	bind	VERB
iiclr-25065	460	24	legal	legal	ADJ
iiclr-25065	460	25	effects	effect	NOUN
iiclr-25065	460	26	on	on	ADP
iiclr-25065	460	27	the	the	DET
iiclr-25065	460	28	parties	party	NOUN
iiclr-25065	460	29	that	that	PRON
iiclr-25065	460	30	receive	receive	VERB
iiclr-25065	460	31	them	they	PRON
iiclr-25065	460	32	.	.	PUNCT
iiclr-25065	461	1	these	these	DET
iiclr-25065	461	2	so	so	ADV
iiclr-25065	461	3	-	-	PUNCT
iiclr-25065	461	4	called	call	VERB
iiclr-25065	461	5	advisories	advisory	NOUN
iiclr-25065	461	6	,	,	PUNCT
iiclr-25065	461	7	however	however	ADV
iiclr-25065	461	8	,	,	PUNCT
iiclr-25065	461	9	have	have	VERB
iiclr-25065	461	10	a	a	DET
iiclr-25065	461	11	de	de	X
iiclr-25065	461	12	facto	facto	X
iiclr-25065	461	13	power	power	NOUN
iiclr-25065	461	14	which	which	PRON
iiclr-25065	461	15	can	can	AUX
iiclr-25065	461	16	compel	compel	VERB
iiclr-25065	461	17	financial	financial	ADJ
iiclr-25065	461	18	companies	company	NOUN
iiclr-25065	461	19	to	to	PART
iiclr-25065	461	20	abide	abide	VERB
iiclr-25065	461	21	by	by	ADP
iiclr-25065	461	22	them.149	them.149	NOUN
iiclr-25065	461	23	because	because	SCONJ
iiclr-25065	461	24	administrative	administrative	ADJ
iiclr-25065	461	25	guidance	guidance	NOUN
iiclr-25065	461	26	is	be	AUX
iiclr-25065	461	27	not	not	PART
iiclr-25065	461	28	legally	legally	ADV
iiclr-25065	461	29	binding	binding	ADJ
iiclr-25065	461	30	,	,	PUNCT
iiclr-25065	461	31	the	the	DET
iiclr-25065	461	32	agency	agency	NOUN
iiclr-25065	461	33	needs	need	VERB
iiclr-25065	461	34	no	no	DET
iiclr-25065	461	35	specific	specific	ADJ
iiclr-25065	461	36	legal	legal	ADJ
iiclr-25065	461	37	ground	ground	NOUN
iiclr-25065	461	38	to	to	PART
iiclr-25065	461	39	issue	issue	VERB
iiclr-25065	461	40	one	one	NUM
iiclr-25065	461	41	and	and	CCONJ
iiclr-25065	461	42	can	can	AUX
iiclr-25065	461	43	use	use	VERB
iiclr-25065	461	44	them	they	PRON
iiclr-25065	461	45	informally	informally	ADV
iiclr-25065	461	46	and	and	CCONJ
iiclr-25065	461	47	flexibly	flexibly	ADV
iiclr-25065	461	48	in	in	ADP
iiclr-25065	461	49	a	a	DET
iiclr-25065	461	50	wide	wide	ADJ
iiclr-25065	461	51	variety	variety	NOUN
iiclr-25065	461	52	of	of	ADP
iiclr-25065	461	53	situations	situation	NOUN
iiclr-25065	461	54	.	.	PUNCT
iiclr-25065	462	1	indeed	indeed	ADV
iiclr-25065	462	2	,	,	PUNCT
iiclr-25065	462	3	there	there	PRON
iiclr-25065	462	4	is	be	VERB
iiclr-25065	462	5	no	no	DET
iiclr-25065	462	6	legal	legal	ADJ
iiclr-25065	462	7	ground	ground	NOUN
iiclr-25065	462	8	for	for	ADP
iiclr-25065	462	9	consumer	consumer	NOUN
iiclr-25065	462	10	redress	redress	NOUN
iiclr-25065	462	11	under	under	ADP
iiclr-25065	462	12	korean	korean	ADJ
iiclr-25065	462	13	law	law	NOUN
iiclr-25065	462	14	.	.	PUNCT
iiclr-25065	463	1	the	the	DET
iiclr-25065	463	2	fss	fss	NOUN
iiclr-25065	463	3	can	can	AUX
iiclr-25065	463	4	only	only	ADV
iiclr-25065	463	5	“	"	PUNCT
iiclr-25065	463	6	advise	advise	VERB
iiclr-25065	463	7	,	,	PUNCT
iiclr-25065	463	8	”	"	PUNCT
iiclr-25065	463	9	or	or	CCONJ
iiclr-25065	463	10	recommend	recommend	VERB
iiclr-25065	463	11	,	,	PUNCT
iiclr-25065	463	12	redress	redress	NOUN
iiclr-25065	463	13	through	through	ADP
iiclr-25065	463	14	informal	informal	ADJ
iiclr-25065	463	15	administrative	administrative	ADJ
iiclr-25065	463	16	advisories	advisory	NOUN
iiclr-25065	463	17	and	and	CCONJ
iiclr-25065	463	18	agreements	agreement	NOUN
iiclr-25065	463	19	(	(	PUNCT
iiclr-25065	463	20	taking	take	VERB
iiclr-25065	463	21	the	the	DET
iiclr-25065	463	22	form	form	NOUN
iiclr-25065	463	23	of	of	ADP
iiclr-25065	463	24	mous	mous	NOUN
iiclr-25065	463	25	)	)	PUNCT
iiclr-25065	463	26	between	between	ADP
iiclr-25065	463	27	the	the	DET
iiclr-25065	463	28	regulator	regulator	NOUN
iiclr-25065	463	29	and	and	CCONJ
iiclr-25065	463	30	the	the	DET
iiclr-25065	463	31	financial	financial	ADJ
iiclr-25065	463	32	companies	company	NOUN
iiclr-25065	463	33	.	.	PUNCT
iiclr-25065	464	1	147	147	NUM
iiclr-25065	464	2	.	.	PUNCT
iiclr-25065	465	1	i	i	PRON
iiclr-25065	465	2	d.	d.	PROPN
iiclr-25065	465	3	dcds	dcds	PROPN
iiclr-25065	465	4	statistics	statistic	NOUN
iiclr-25065	465	5	available	available	ADJ
iiclr-25065	465	6	at	at	ADP
iiclr-25065	465	7	the	the	DET
iiclr-25065	465	8	credit	credit	NOUN
iiclr-25065	465	9	finance	finance	NOUN
iiclr-25065	465	10	association	association	PROPN
iiclr-25065	465	11	of	of	ADP
iiclr-25065	465	12	korea	korea	PROPN
iiclr-25065	465	13	website	website	PROPN
iiclr-25065	465	14	,	,	PUNCT
iiclr-25065	465	15	채무면제∙유예상품	채무면제∙유예상품	PROPN
iiclr-25065	465	16	,	,	PUNCT
iiclr-25065	465	17	여신금융협회	여신금융협회	PROPN
iiclr-25065	465	18	공시정보포털	공시정보포털	PROPN
iiclr-25065	465	19	,	,	PUNCT
iiclr-25065	465	20	https://gongsi.crefia.or.kr/portal/creditcard/creditcarddisclosuredetail22?cgcmode=22	https://gongsi.crefia.or.kr/portal/creditcard/creditcarddisclosuredetail22?cgcmode=22	PROPN
iiclr-25065	465	21	#	#	NOUN
iiclr-25065	465	22	!	!	PUNCT
iiclr-25065	466	1	[	[	X
iiclr-25065	466	2	https://perma.cc/h7en-nerp	https://perma.cc/h7en-nerp	NOUN
iiclr-25065	466	3	]	]	PUNCT
iiclr-25065	466	4	)	)	PUNCT
iiclr-25065	466	5	(	(	PUNCT
iiclr-25065	466	6	in	in	ADP
iiclr-25065	466	7	the	the	DET
iiclr-25065	466	8	korean	korean	ADJ
iiclr-25065	466	9	language	language	NOUN
iiclr-25065	466	10	)	)	PUNCT
iiclr-25065	466	11	.	.	PUNCT
iiclr-25065	467	1	148	148	NUM
iiclr-25065	467	2	.	.	PUNCT
iiclr-25065	467	3	article	article	NOUN
iiclr-25065	467	4	2	2	NUM
iiclr-25065	467	5	(	(	PUNCT
iiclr-25065	467	6	3	3	NUM
iiclr-25065	467	7	)	)	PUNCT
iiclr-25065	467	8	of	of	ADP
iiclr-25065	467	9	the	the	DET
iiclr-25065	467	10	korean	korean	ADJ
iiclr-25065	467	11	administrative	administrative	ADJ
iiclr-25065	467	12	procedure	procedure	NOUN
iiclr-25065	467	13	act	act	NOUN
iiclr-25065	467	14	stipulates	stipulate	VERB
iiclr-25065	467	15	that	that	SCONJ
iiclr-25065	467	16	“	"	PUNCT
iiclr-25065	467	17	the	the	DET
iiclr-25065	467	18	term	term	NOUN
iiclr-25065	467	19	"	"	PUNCT
iiclr-25065	467	20	administrative	administrative	ADJ
iiclr-25065	467	21	guidance	guidance	NOUN
iiclr-25065	467	22	”	"	PUNCT
iiclr-25065	467	23	[	[	X
iiclr-25065	467	24	(	(	PUNCT
iiclr-25065	467	25	haengjungjido	haengjungjido	NOUN
iiclr-25065	467	26	)	)	PUNCT
iiclr-25065	467	27	,	,	PUNCT
iiclr-25065	467	28	]	]	PUNCT
iiclr-25065	467	29	"	"	PUNCT
iiclr-25065	467	30	means	mean	VERB
iiclr-25065	467	31	an	an	DET
iiclr-25065	467	32	administrative	administrative	ADJ
iiclr-25065	467	33	action	action	NOUN
iiclr-25065	467	34	,	,	PUNCT
iiclr-25065	467	35	such	such	ADJ
iiclr-25065	467	36	as	as	ADP
iiclr-25065	467	37	guidance	guidance	NOUN
iiclr-25065	467	38	,	,	PUNCT
iiclr-25065	467	39	recommendation	recommendation	NOUN
iiclr-25065	467	40	,	,	PUNCT
iiclr-25065	467	41	advice	advice	NOUN
iiclr-25065	467	42	by	by	ADP
iiclr-25065	467	43	an	an	DET
iiclr-25065	467	44	administrative	administrative	ADJ
iiclr-25065	467	45	agency	agency	NOUN
iiclr-25065	467	46	to	to	PART
iiclr-25065	467	47	encourage	encourage	VERB
iiclr-25065	467	48	or	or	CCONJ
iiclr-25065	467	49	discourage	discourage	VERB
iiclr-25065	467	50	a	a	DET
iiclr-25065	467	51	particular	particular	ADJ
iiclr-25065	467	52	person	person	NOUN
iiclr-25065	467	53	regarding	regard	VERB
iiclr-25065	467	54	performance	performance	NOUN
iiclr-25065	467	55	of	of	ADP
iiclr-25065	467	56	certain	certain	ADJ
iiclr-25065	467	57	acts	act	NOUN
iiclr-25065	467	58	,	,	PUNCT
iiclr-25065	467	59	within	within	ADP
iiclr-25065	467	60	the	the	DET
iiclr-25065	467	61	scope	scope	NOUN
iiclr-25065	467	62	of	of	ADP
iiclr-25065	467	63	duties	duty	NOUN
iiclr-25065	467	64	or	or	CCONJ
iiclr-25065	467	65	affairs	affair	NOUN
iiclr-25065	467	66	under	under	ADP
iiclr-25065	467	67	its	its	PRON
iiclr-25065	467	68	jurisdiction	jurisdiction	NOUN
iiclr-25065	467	69	in	in	ADP
iiclr-25065	467	70	order	order	NOUN
iiclr-25065	467	71	to	to	PART
iiclr-25065	467	72	realize	realize	VERB
iiclr-25065	467	73	specific	specific	ADJ
iiclr-25065	467	74	administrative	administrative	ADJ
iiclr-25065	467	75	aims	aim	NOUN
iiclr-25065	467	76	…	…	PUNCT
iiclr-25065	467	77	”	"	PUNCT
iiclr-25065	467	78	korean	korean	ADJ
iiclr-25065	467	79	administrative	administrative	ADJ
iiclr-25065	467	80	procedure	procedure	NOUN
iiclr-25065	467	81	act	act	PROPN
iiclr-25065	467	82	,	,	PUNCT
iiclr-25065	467	83	act	act	VERB
iiclr-25065	467	84	no	no	INTJ
iiclr-25065	467	85	.	.	PROPN
iiclr-25065	467	86	12347	12347	NUM
iiclr-25065	467	87	,	,	PUNCT
iiclr-25065	467	88	jan	jan	PROPN
iiclr-25065	467	89	.	.	PROPN
iiclr-25065	467	90	28	28	NUM
iiclr-25065	467	91	,	,	PUNCT
iiclr-25065	467	92	2014	2014	NUM
iiclr-25065	467	93	,	,	PUNCT
iiclr-25065	467	94	art	art	NOUN
iiclr-25065	467	95	.	.	PUNCT
iiclr-25065	468	1	2(3	2(3	NUM
iiclr-25065	468	2	)	)	PUNCT
iiclr-25065	468	3	(	(	PUNCT
iiclr-25065	468	4	s.	s.	PROPN
iiclr-25065	468	5	kor	kor	PROPN
iiclr-25065	468	6	.	.	PROPN
iiclr-25065	468	7	)	)	PUNCT
iiclr-25065	468	8	.	.	PUNCT
iiclr-25065	469	1	149	149	NUM
iiclr-25065	469	2	.	.	PUNCT
iiclr-25065	470	1	in	in	ADP
iiclr-25065	470	2	part	part	NOUN
iiclr-25065	470	3	,	,	PUNCT
iiclr-25065	470	4	this	this	PRON
iiclr-25065	470	5	is	be	AUX
iiclr-25065	470	6	because	because	SCONJ
iiclr-25065	470	7	financial	financial	ADJ
iiclr-25065	470	8	authorities	authority	NOUN
iiclr-25065	470	9	have	have	VERB
iiclr-25065	470	10	a	a	DET
iiclr-25065	470	11	wide	wide	ADJ
iiclr-25065	470	12	variety	variety	NOUN
iiclr-25065	470	13	of	of	ADP
iiclr-25065	470	14	enforcement	enforcement	NOUN
iiclr-25065	470	15	tools	tool	NOUN
iiclr-25065	470	16	that	that	PRON
iiclr-25065	470	17	can	can	AUX
iiclr-25065	470	18	be	be	AUX
iiclr-25065	470	19	implemented	implement	VERB
iiclr-25065	470	20	to	to	PART
iiclr-25065	470	21	encourage	encourage	VERB
iiclr-25065	470	22	a	a	DET
iiclr-25065	470	23	voluntary	voluntary	ADJ
iiclr-25065	470	24	redress	redress	NOUN
iiclr-25065	470	25	scheme	scheme	NOUN
iiclr-25065	470	26	.	.	PUNCT
iiclr-25065	471	1	see	see	VERB
iiclr-25065	471	2	infra	infra	NOUN
iiclr-25065	471	3	section	section	NOUN
iiclr-25065	471	4	iv	iv	NUM
iiclr-25065	471	5	.	.	PUNCT
iiclr-25065	472	1	another	another	DET
iiclr-25065	472	2	reason	reason	NOUN
iiclr-25065	472	3	can	can	AUX
iiclr-25065	472	4	be	be	AUX
iiclr-25065	472	5	attributed	attribute	VERB
iiclr-25065	472	6	to	to	ADP
iiclr-25065	472	7	the	the	DET
iiclr-25065	472	8	korean	korean	NOUN
iiclr-25065	472	9	of	of	ADP
iiclr-25065	472	10	tradition	tradition	NOUN
iiclr-25065	472	11	of	of	ADP
iiclr-25065	472	12	a	a	DET
iiclr-25065	472	13	strong	strong	ADJ
iiclr-25065	472	14	state	state	NOUN
iiclr-25065	472	15	led	lead	VERB
iiclr-25065	472	16	economy	economy	NOUN
iiclr-25065	472	17	where	where	SCONJ
iiclr-25065	472	18	authorities	authority	NOUN
iiclr-25065	472	19	have	have	VERB
iiclr-25065	472	20	a	a	DET
iiclr-25065	472	21	strong	strong	ADJ
iiclr-25065	472	22	influence	influence	NOUN
iiclr-25065	472	23	over	over	ADP
iiclr-25065	472	24	the	the	DET
iiclr-25065	472	25	industry	industry	NOUN
iiclr-25065	472	26	beyond	beyond	ADP
iiclr-25065	472	27	the	the	DET
iiclr-25065	472	28	black	black	ADJ
iiclr-25065	472	29	letter	letter	NOUN
iiclr-25065	472	30	of	of	ADP
iiclr-25065	472	31	the	the	DET
iiclr-25065	472	32	law	law	NOUN
iiclr-25065	472	33	.	.	PUNCT
iiclr-25065	473	1	https://perma.cc/h7en-nerp	https://perma.cc/h7en-nerp	PROPN
iiclr-25065	473	2	indiana	indiana	PROPN
iiclr-25065	473	3	int’l	int’l	PROPN
iiclr-25065	473	4	&	&	CCONJ
iiclr-25065	473	5	comp	comp	PROPN
iiclr-25065	473	6	.	.	PUNCT
iiclr-25065	474	1	law	law	NOUN
iiclr-25065	474	2	review	review	NOUN
iiclr-25065	475	1	[	[	X
iiclr-25065	475	2	vol	vol	NOUN
iiclr-25065	475	3	.	.	PUNCT
iiclr-25065	475	4	30:99	30:99	NUM
iiclr-25065	475	5	120	120	NUM
iiclr-25065	475	6	the	the	DET
iiclr-25065	475	7	informal	informal	ADJ
iiclr-25065	475	8	‘	'	PUNCT
iiclr-25065	475	9	advisory	advisory	ADJ
iiclr-25065	475	10	’	'	PUNCT
iiclr-25065	475	11	method	method	NOUN
iiclr-25065	475	12	has	have	VERB
iiclr-25065	475	13	both	both	DET
iiclr-25065	475	14	advantages	advantage	NOUN
iiclr-25065	475	15	and	and	CCONJ
iiclr-25065	475	16	disadvantages	disadvantage	NOUN
iiclr-25065	475	17	.	.	PUNCT
iiclr-25065	476	1	on	on	ADP
iiclr-25065	476	2	the	the	DET
iiclr-25065	476	3	one	one	NUM
iiclr-25065	476	4	hand	hand	NOUN
iiclr-25065	476	5	,	,	PUNCT
iiclr-25065	476	6	the	the	DET
iiclr-25065	476	7	regulators	regulator	NOUN
iiclr-25065	476	8	can	can	AUX
iiclr-25065	476	9	be	be	AUX
iiclr-25065	476	10	flexible	flexible	ADJ
iiclr-25065	476	11	in	in	ADP
iiclr-25065	476	12	designing	design	VERB
iiclr-25065	476	13	redress	redress	NOUN
iiclr-25065	476	14	schemes	scheme	NOUN
iiclr-25065	476	15	that	that	PRON
iiclr-25065	476	16	are	be	AUX
iiclr-25065	476	17	not	not	PART
iiclr-25065	476	18	available	available	ADJ
iiclr-25065	476	19	in	in	ADP
iiclr-25065	476	20	the	the	DET
iiclr-25065	476	21	letter	letter	NOUN
iiclr-25065	476	22	of	of	ADP
iiclr-25065	476	23	the	the	DET
iiclr-25065	476	24	law	law	NOUN
iiclr-25065	476	25	.	.	PUNCT
iiclr-25065	477	1	on	on	ADP
iiclr-25065	477	2	the	the	DET
iiclr-25065	477	3	other	other	ADJ
iiclr-25065	477	4	hand	hand	NOUN
iiclr-25065	477	5	,	,	PUNCT
iiclr-25065	477	6	precisely	precisely	ADV
iiclr-25065	477	7	because	because	SCONJ
iiclr-25065	477	8	there	there	PRON
iiclr-25065	477	9	are	be	VERB
iiclr-25065	477	10	no	no	DET
iiclr-25065	477	11	clear	clear	ADJ
iiclr-25065	477	12	legal	legal	ADJ
iiclr-25065	477	13	guidelines	guideline	NOUN
iiclr-25065	477	14	regarding	regard	VERB
iiclr-25065	477	15	consumer	consumer	NOUN
iiclr-25065	477	16	redress	redress	NOUN
iiclr-25065	477	17	,	,	PUNCT
iiclr-25065	477	18	it	it	PRON
iiclr-25065	477	19	is	be	AUX
iiclr-25065	477	20	up	up	ADP
iiclr-25065	477	21	to	to	ADP
iiclr-25065	477	22	the	the	DET
iiclr-25065	477	23	good	good	ADJ
iiclr-25065	477	24	will	will	NOUN
iiclr-25065	477	25	of	of	ADP
iiclr-25065	477	26	the	the	DET
iiclr-25065	477	27	financial	financial	ADJ
iiclr-25065	477	28	companies	company	NOUN
iiclr-25065	477	29	to	to	PART
iiclr-25065	477	30	design	design	VERB
iiclr-25065	477	31	and	and	CCONJ
iiclr-25065	477	32	manage	manage	VERB
iiclr-25065	477	33	a	a	DET
iiclr-25065	477	34	robust	robust	ADJ
iiclr-25065	477	35	restitution	restitution	NOUN
iiclr-25065	477	36	scheme	scheme	NOUN
iiclr-25065	477	37	.	.	PUNCT
iiclr-25065	478	1	the	the	DET
iiclr-25065	478	2	dcds	dcds	PROPN
iiclr-25065	478	3	redress	redress	NOUN
iiclr-25065	478	4	scheme	scheme	NOUN
iiclr-25065	478	5	above	above	ADP
iiclr-25065	478	6	showcases	showcase	NOUN
iiclr-25065	478	7	both	both	PRON
iiclr-25065	478	8	–	–	PUNCT
iiclr-25065	478	9	the	the	DET
iiclr-25065	478	10	fss	fss	NOUN
iiclr-25065	478	11	could	could	AUX
iiclr-25065	478	12	flexibly	flexibly	ADV
iiclr-25065	478	13	intervene	intervene	VERB
iiclr-25065	478	14	at	at	ADP
iiclr-25065	478	15	a	a	DET
iiclr-25065	478	16	relatively	relatively	ADV
iiclr-25065	478	17	early	early	ADJ
iiclr-25065	478	18	stage	stage	NOUN
iiclr-25065	478	19	and	and	CCONJ
iiclr-25065	478	20	“	"	PUNCT
iiclr-25065	478	21	advise	advise	VERB
iiclr-25065	478	22	”	"	PUNCT
iiclr-25065	478	23	the	the	DET
iiclr-25065	478	24	credit	credit	NOUN
iiclr-25065	478	25	card	card	NOUN
iiclr-25065	478	26	companies	company	NOUN
iiclr-25065	478	27	to	to	PART
iiclr-25065	478	28	offer	offer	VERB
iiclr-25065	478	29	redress	redress	NOUN
iiclr-25065	478	30	,	,	PUNCT
iiclr-25065	478	31	but	but	CCONJ
iiclr-25065	478	32	as	as	SCONJ
iiclr-25065	478	33	the	the	DET
iiclr-25065	478	34	bai	bai	NOUN
iiclr-25065	478	35	chided	chide	VERB
iiclr-25065	478	36	,	,	PUNCT
iiclr-25065	478	37	the	the	DET
iiclr-25065	478	38	fss	fss	NOUN
iiclr-25065	478	39	was	be	AUX
iiclr-25065	478	40	also	also	ADV
iiclr-25065	478	41	hesitant	hesitant	ADJ
iiclr-25065	478	42	in	in	ADP
iiclr-25065	478	43	using	use	VERB
iiclr-25065	478	44	its	its	PRON
iiclr-25065	478	45	informal	informal	ADJ
iiclr-25065	478	46	powers	power	NOUN
iiclr-25065	478	47	and	and	CCONJ
iiclr-25065	478	48	so	so	ADV
iiclr-25065	478	49	did	do	AUX
iiclr-25065	478	50	not	not	PART
iiclr-25065	478	51	intervene	intervene	VERB
iiclr-25065	478	52	as	as	ADV
iiclr-25065	478	53	forcefully	forcefully	ADV
iiclr-25065	478	54	as	as	SCONJ
iiclr-25065	478	55	it	it	PRON
iiclr-25065	478	56	might	might	AUX
iiclr-25065	478	57	have	have	VERB
iiclr-25065	478	58	,	,	PUNCT
iiclr-25065	478	59	had	have	AUX
iiclr-25065	478	60	it	it	PRON
iiclr-25065	478	61	the	the	DET
iiclr-25065	478	62	formal	formal	ADJ
iiclr-25065	478	63	authority	authority	NOUN
iiclr-25065	478	64	to	to	PART
iiclr-25065	478	65	do	do	AUX
iiclr-25065	478	66	so	so	ADV
iiclr-25065	478	67	.	.	PUNCT
iiclr-25065	479	1	when	when	SCONJ
iiclr-25065	479	2	the	the	DET
iiclr-25065	479	3	credit	credit	NOUN
iiclr-25065	479	4	card	card	NOUN
iiclr-25065	479	5	companies	company	NOUN
iiclr-25065	479	6	chose	choose	VERB
iiclr-25065	479	7	not	not	PART
iiclr-25065	479	8	to	to	PART
iiclr-25065	479	9	operate	operate	VERB
iiclr-25065	479	10	a	a	DET
iiclr-25065	479	11	robust	robust	ADJ
iiclr-25065	479	12	redress	redress	NOUN
iiclr-25065	479	13	arrangement	arrangement	NOUN
iiclr-25065	479	14	,	,	PUNCT
iiclr-25065	479	15	the	the	DET
iiclr-25065	479	16	fss	fss	NOUN
iiclr-25065	479	17	did	do	AUX
iiclr-25065	479	18	not	not	PART
iiclr-25065	479	19	have	have	VERB
iiclr-25065	479	20	the	the	DET
iiclr-25065	479	21	power	power	NOUN
iiclr-25065	479	22	to	to	PART
iiclr-25065	479	23	follow	follow	VERB
iiclr-25065	479	24	up	up	ADP
iiclr-25065	479	25	on	on	ADP
iiclr-25065	479	26	the	the	DET
iiclr-25065	479	27	advisory	advisory	NOUN
iiclr-25065	479	28	by	by	ADP
iiclr-25065	479	29	,	,	PUNCT
iiclr-25065	479	30	say	say	INTJ
iiclr-25065	479	31	,	,	PUNCT
iiclr-25065	479	32	imposing	impose	VERB
iiclr-25065	479	33	administrative	administrative	ADJ
iiclr-25065	479	34	fines	fine	NOUN
iiclr-25065	479	35	,	,	PUNCT
iiclr-25065	479	36	sanctions	sanction	NOUN
iiclr-25065	479	37	,	,	PUNCT
iiclr-25065	479	38	or	or	CCONJ
iiclr-25065	479	39	penalties	penalty	NOUN
iiclr-25065	479	40	.	.	PUNCT
iiclr-25065	480	1	this	this	PRON
iiclr-25065	480	2	leaves	leave	VERB
iiclr-25065	480	3	consumers	consumer	NOUN
iiclr-25065	480	4	who	who	PRON
iiclr-25065	480	5	are	be	AUX
iiclr-25065	480	6	not	not	PART
iiclr-25065	480	7	aware	aware	ADJ
iiclr-25065	480	8	of	of	ADP
iiclr-25065	480	9	their	their	PRON
iiclr-25065	480	10	rights	right	NOUN
iiclr-25065	480	11	in	in	ADP
iiclr-25065	480	12	an	an	DET
iiclr-25065	480	13	undesirable	undesirable	ADJ
iiclr-25065	480	14	limbo	limbo	NOUN
iiclr-25065	480	15	status	status	NOUN
iiclr-25065	480	16	.	.	PUNCT
iiclr-25065	481	1	iv	iv	X
iiclr-25065	481	2	.	.	PUNCT
iiclr-25065	482	1	why	why	SCONJ
iiclr-25065	482	2	regulatory	regulatory	ADJ
iiclr-25065	482	3	mass	mass	NOUN
iiclr-25065	482	4	redress	redress	NOUN
iiclr-25065	482	5	works	work	VERB
iiclr-25065	482	6	well	well	ADV
iiclr-25065	482	7	for	for	ADP
iiclr-25065	482	8	the	the	DET
iiclr-25065	482	9	financial	financial	ADJ
iiclr-25065	482	10	sector	sector	NOUN
iiclr-25065	482	11	the	the	DET
iiclr-25065	482	12	case	case	NOUN
iiclr-25065	482	13	studies	study	NOUN
iiclr-25065	482	14	above	above	ADP
iiclr-25065	482	15	all	all	PRON
iiclr-25065	482	16	present	present	ADJ
iiclr-25065	482	17	the	the	DET
iiclr-25065	482	18	mis	mis	NOUN
iiclr-25065	482	19	-	-	PUNCT
iiclr-25065	482	20	selling	selling	NOUN
iiclr-25065	482	21	of	of	ADP
iiclr-25065	482	22	similar	similar	ADJ
iiclr-25065	482	23	financial	financial	ADJ
iiclr-25065	482	24	products	product	NOUN
iiclr-25065	482	25	.	.	PUNCT
iiclr-25065	483	1	although	although	SCONJ
iiclr-25065	483	2	the	the	DET
iiclr-25065	483	3	three	three	NUM
iiclr-25065	483	4	relevant	relevant	ADJ
iiclr-25065	483	5	nations	nation	NOUN
iiclr-25065	483	6	operated	operate	VERB
iiclr-25065	483	7	redress	redress	NOUN
iiclr-25065	483	8	schemes	scheme	NOUN
iiclr-25065	483	9	against	against	ADP
iiclr-25065	483	10	the	the	DET
iiclr-25065	483	11	framework	framework	NOUN
iiclr-25065	483	12	of	of	ADP
iiclr-25065	483	13	very	very	ADV
iiclr-25065	483	14	different	different	ADJ
iiclr-25065	483	15	legal	legal	ADJ
iiclr-25065	483	16	and	and	CCONJ
iiclr-25065	483	17	cultural	cultural	ADJ
iiclr-25065	483	18	backgrounds	background	NOUN
iiclr-25065	483	19	,	,	PUNCT
iiclr-25065	483	20	the	the	DET
iiclr-25065	483	21	results	result	NOUN
iiclr-25065	483	22	of	of	ADP
iiclr-25065	483	23	delivering	deliver	VERB
iiclr-25065	483	24	mass	mass	ADJ
iiclr-25065	483	25	redress	redress	NOUN
iiclr-25065	483	26	to	to	ADP
iiclr-25065	483	27	millions	million	NOUN
iiclr-25065	483	28	of	of	ADP
iiclr-25065	483	29	low	low	ADJ
iiclr-25065	483	30	-	-	PUNCT
iiclr-25065	483	31	value	value	NOUN
iiclr-25065	483	32	claims	claim	NOUN
iiclr-25065	483	33	were	be	AUX
iiclr-25065	483	34	identical.150	identical.150	VERB
iiclr-25065	483	35	why	why	SCONJ
iiclr-25065	483	36	is	be	AUX
iiclr-25065	483	37	the	the	DET
iiclr-25065	483	38	financial	financial	ADJ
iiclr-25065	483	39	sector	sector	NOUN
iiclr-25065	483	40	an	an	DET
iiclr-25065	483	41	area	area	NOUN
iiclr-25065	483	42	to	to	PART
iiclr-25065	483	43	which	which	PRON
iiclr-25065	483	44	regulatory	regulatory	ADJ
iiclr-25065	483	45	redress	redress	NOUN
iiclr-25065	483	46	schemes	scheme	NOUN
iiclr-25065	483	47	are	be	AUX
iiclr-25065	483	48	so	so	ADV
iiclr-25065	483	49	appropriate	appropriate	ADJ
iiclr-25065	483	50	?	?	PUNCT
iiclr-25065	484	1	would	would	AUX
iiclr-25065	484	2	it	it	PRON
iiclr-25065	484	3	be	be	AUX
iiclr-25065	484	4	preferable	preferable	ADJ
iiclr-25065	484	5	for	for	SCONJ
iiclr-25065	484	6	this	this	DET
iiclr-25065	484	7	area	area	NOUN
iiclr-25065	484	8	to	to	PART
iiclr-25065	484	9	develop	develop	VERB
iiclr-25065	484	10	mass	mass	ADJ
iiclr-25065	484	11	regulatory	regulatory	ADJ
iiclr-25065	484	12	schemes	scheme	NOUN
iiclr-25065	484	13	?	?	PUNCT
iiclr-25065	485	1	in	in	ADP
iiclr-25065	485	2	short	short	ADJ
iiclr-25065	485	3	,	,	PUNCT
iiclr-25065	485	4	would	would	AUX
iiclr-25065	485	5	it	it	PRON
iiclr-25065	485	6	be	be	AUX
iiclr-25065	485	7	more	more	ADV
iiclr-25065	485	8	effective	effective	ADJ
iiclr-25065	485	9	for	for	SCONJ
iiclr-25065	485	10	countries	country	NOUN
iiclr-25065	485	11	to	to	PART
iiclr-25065	485	12	adopt	adopt	VERB
iiclr-25065	485	13	a	a	DET
iiclr-25065	485	14	formal	formal	ADJ
iiclr-25065	485	15	regulatory	regulatory	ADJ
iiclr-25065	485	16	redress	redress	NOUN
iiclr-25065	485	17	scheme	scheme	NOUN
iiclr-25065	485	18	or	or	CCONJ
iiclr-25065	485	19	for	for	SCONJ
iiclr-25065	485	20	them	they	PRON
iiclr-25065	485	21	to	to	PART
iiclr-25065	485	22	activate	activate	VERB
iiclr-25065	485	23	informal	informal	ADJ
iiclr-25065	485	24	redress	redress	NOUN
iiclr-25065	485	25	schemes	scheme	NOUN
iiclr-25065	485	26	,	,	PUNCT
iiclr-25065	485	27	especially	especially	ADV
iiclr-25065	485	28	in	in	ADP
iiclr-25065	485	29	the	the	DET
iiclr-25065	485	30	financial	financial	ADJ
iiclr-25065	485	31	sector	sector	NOUN
iiclr-25065	485	32	?	?	PUNCT
iiclr-25065	486	1	this	this	DET
iiclr-25065	486	2	section	section	NOUN
iiclr-25065	486	3	will	will	AUX
iiclr-25065	486	4	examine	examine	VERB
iiclr-25065	486	5	these	these	DET
iiclr-25065	486	6	questions	question	NOUN
iiclr-25065	486	7	.	.	PUNCT
iiclr-25065	487	1	first	first	ADV
iiclr-25065	487	2	,	,	PUNCT
iiclr-25065	487	3	more	more	ADJ
iiclr-25065	487	4	than	than	ADP
iiclr-25065	487	5	most	most	ADJ
iiclr-25065	487	6	other	other	ADJ
iiclr-25065	487	7	industries	industry	NOUN
iiclr-25065	487	8	,	,	PUNCT
iiclr-25065	487	9	the	the	DET
iiclr-25065	487	10	financial	financial	ADJ
iiclr-25065	487	11	services	service	NOUN
iiclr-25065	487	12	sector	sector	NOUN
iiclr-25065	487	13	is	be	AUX
iiclr-25065	487	14	heavily	heavily	ADV
iiclr-25065	487	15	regulated	regulate	VERB
iiclr-25065	487	16	.	.	PUNCT
iiclr-25065	488	1	this	this	PRON
iiclr-25065	488	2	creates	create	VERB
iiclr-25065	488	3	unique	unique	ADJ
iiclr-25065	488	4	opportunities	opportunity	NOUN
iiclr-25065	488	5	for	for	SCONJ
iiclr-25065	488	6	regulators	regulator	NOUN
iiclr-25065	488	7	to	to	PART
iiclr-25065	488	8	access	access	VERB
iiclr-25065	488	9	information	information	NOUN
iiclr-25065	488	10	and	and	CCONJ
iiclr-25065	488	11	intervene	intervene	VERB
iiclr-25065	488	12	at	at	ADP
iiclr-25065	488	13	an	an	DET
iiclr-25065	488	14	early	early	ADJ
iiclr-25065	488	15	stage	stage	NOUN
iiclr-25065	488	16	.	.	PUNCT
iiclr-25065	489	1	financial	financial	ADJ
iiclr-25065	489	2	companies	company	NOUN
iiclr-25065	489	3	are	be	AUX
iiclr-25065	489	4	under	under	ADP
iiclr-25065	489	5	constant	constant	ADJ
iiclr-25065	489	6	on	on	ADP
iiclr-25065	489	7	-	-	PUNCT
iiclr-25065	489	8	site	site	NOUN
iiclr-25065	489	9	and	and	CCONJ
iiclr-25065	489	10	off	off	ADP
iiclr-25065	489	11	-	-	PUNCT
iiclr-25065	489	12	site	site	NOUN
iiclr-25065	489	13	supervision	supervision	NOUN
iiclr-25065	489	14	through	through	ADP
iiclr-25065	489	15	bank	bank	NOUN
iiclr-25065	489	16	examinations	examination	NOUN
iiclr-25065	489	17	and	and	CCONJ
iiclr-25065	489	18	various	various	ADJ
iiclr-25065	489	19	reporting	reporting	NOUN
iiclr-25065	489	20	and	and	CCONJ
iiclr-25065	489	21	approval	approval	NOUN
iiclr-25065	489	22	requirements	requirement	NOUN
iiclr-25065	489	23	.	.	PUNCT
iiclr-25065	490	1	in	in	ADP
iiclr-25065	490	2	their	their	PRON
iiclr-25065	490	3	supervisory	supervisory	ADJ
iiclr-25065	490	4	role	role	NOUN
iiclr-25065	490	5	,	,	PUNCT
iiclr-25065	490	6	financial	financial	ADJ
iiclr-25065	490	7	regulators	regulator	NOUN
iiclr-25065	490	8	can	can	AUX
iiclr-25065	490	9	also	also	ADV
iiclr-25065	490	10	have	have	VERB
iiclr-25065	490	11	informal	informal	ADJ
iiclr-25065	490	12	interactions	interaction	NOUN
iiclr-25065	490	13	(	(	PUNCT
iiclr-25065	490	14	such	such	ADJ
iiclr-25065	490	15	as	as	ADP
iiclr-25065	490	16	meetings	meeting	NOUN
iiclr-25065	490	17	,	,	PUNCT
iiclr-25065	490	18	calls	call	NOUN
iiclr-25065	490	19	,	,	PUNCT
iiclr-25065	490	20	and	and	CCONJ
iiclr-25065	490	21	emails	email	NOUN
iiclr-25065	490	22	)	)	PUNCT
iiclr-25065	490	23	with	with	ADP
iiclr-25065	490	24	regulated	regulated	ADJ
iiclr-25065	490	25	entities	entity	NOUN
iiclr-25065	490	26	.	.	PUNCT
iiclr-25065	491	1	the	the	DET
iiclr-25065	491	2	benefit	benefit	NOUN
iiclr-25065	491	3	of	of	ADP
iiclr-25065	491	4	the	the	DET
iiclr-25065	491	5	constant	constant	ADJ
iiclr-25065	491	6	supervisory	supervisory	ADJ
iiclr-25065	491	7	function	function	NOUN
iiclr-25065	491	8	of	of	ADP
iiclr-25065	491	9	a	a	DET
iiclr-25065	491	10	financial	financial	ADJ
iiclr-25065	491	11	regulator	regulator	NOUN
iiclr-25065	491	12	is	be	AUX
iiclr-25065	491	13	that	that	SCONJ
iiclr-25065	491	14	it	it	PRON
iiclr-25065	491	15	can	can	AUX
iiclr-25065	491	16	detect	detect	VERB
iiclr-25065	491	17	problems	problem	NOUN
iiclr-25065	491	18	and	and	CCONJ
iiclr-25065	491	19	intervene	intervene	VERB
iiclr-25065	491	20	at	at	ADP
iiclr-25065	491	21	an	an	DET
iiclr-25065	491	22	early	early	ADJ
iiclr-25065	491	23	stage	stage	NOUN
iiclr-25065	491	24	.	.	PUNCT
iiclr-25065	492	1	access	access	NOUN
iiclr-25065	492	2	to	to	ADP
iiclr-25065	492	3	a	a	DET
iiclr-25065	492	4	wealth	wealth	NOUN
iiclr-25065	492	5	of	of	ADP
iiclr-25065	492	6	information	information	NOUN
iiclr-25065	492	7	through	through	ADP
iiclr-25065	492	8	the	the	DET
iiclr-25065	492	9	supervisory	supervisory	ADJ
iiclr-25065	492	10	function	function	NOUN
iiclr-25065	492	11	also	also	ADV
iiclr-25065	492	12	remedies	remedy	VERB
iiclr-25065	492	13	the	the	DET
iiclr-25065	492	14	difficulties	difficulty	NOUN
iiclr-25065	492	15	in	in	ADP
iiclr-25065	492	16	gathering	gather	VERB
iiclr-25065	492	17	information	information	NOUN
iiclr-25065	492	18	that	that	PRON
iiclr-25065	492	19	are	be	AUX
iiclr-25065	492	20	often	often	ADV
iiclr-25065	492	21	present	present	ADJ
iiclr-25065	492	22	in	in	ADP
iiclr-25065	492	23	an	an	DET
iiclr-25065	492	24	in	in	ADP
iiclr-25065	492	25	-	-	PUNCT
iiclr-25065	492	26	court	court	NOUN
iiclr-25065	492	27	consumer	consumer	NOUN
iiclr-25065	492	28	redress	redress	NOUN
iiclr-25065	492	29	case	case	NOUN
iiclr-25065	492	30	.	.	PUNCT
iiclr-25065	493	1	the	the	DET
iiclr-25065	493	2	discovery	discovery	NOUN
iiclr-25065	493	3	procedure	procedure	NOUN
iiclr-25065	493	4	in	in	ADP
iiclr-25065	493	5	certain	certain	ADJ
iiclr-25065	493	6	jurisdictions	jurisdiction	NOUN
iiclr-25065	493	7	(	(	PUNCT
iiclr-25065	493	8	i.e.	i.e.	X
iiclr-25065	493	9	,	,	PUNCT
iiclr-25065	493	10	the	the	DET
iiclr-25065	493	11	u.s	u.s	PROPN
iiclr-25065	493	12	.	.	PROPN
iiclr-25065	493	13	)	)	PUNCT
iiclr-25065	493	14	alleviates	alleviate	VERB
iiclr-25065	493	15	this	this	DET
iiclr-25065	493	16	problem	problem	NOUN
iiclr-25065	493	17	,	,	PUNCT
iiclr-25065	493	18	but	but	CCONJ
iiclr-25065	493	19	in	in	ADP
iiclr-25065	493	20	some	some	DET
iiclr-25065	493	21	nations	nation	NOUN
iiclr-25065	493	22	(	(	PUNCT
iiclr-25065	493	23	i.e.	i.e.	X
iiclr-25065	493	24	,	,	PUNCT
iiclr-25065	493	25	south	south	PROPN
iiclr-25065	493	26	korea	korea	PROPN
iiclr-25065	493	27	)	)	PUNCT
iiclr-25065	493	28	,	,	PUNCT
iiclr-25065	493	29	practitioners	practitioner	NOUN
iiclr-25065	493	30	find	find	VERB
iiclr-25065	493	31	it	it	PRON
iiclr-25065	493	32	hard	hard	ADJ
iiclr-25065	493	33	to	to	PART
iiclr-25065	493	34	come	come	VERB
iiclr-25065	493	35	up	up	ADP
iiclr-25065	493	36	with	with	ADP
iiclr-25065	493	37	evidence	evidence	NOUN
iiclr-25065	493	38	in	in	ADP
iiclr-25065	493	39	instances	instance	NOUN
iiclr-25065	493	40	of	of	ADP
iiclr-25065	493	41	financial	financial	ADJ
iiclr-25065	493	42	harm	harm	NOUN
iiclr-25065	493	43	.	.	PUNCT
iiclr-25065	494	1	regulatory	regulatory	ADJ
iiclr-25065	494	2	redress	redress	NOUN
iiclr-25065	494	3	,	,	PUNCT
iiclr-25065	494	4	instigated	instigate	VERB
iiclr-25065	494	5	or	or	CCONJ
iiclr-25065	494	6	ordered	order	VERB
iiclr-25065	494	7	by	by	ADP
iiclr-25065	494	8	a	a	DET
iiclr-25065	494	9	financial	financial	ADJ
iiclr-25065	494	10	regulator	regulator	NOUN
iiclr-25065	494	11	,	,	PUNCT
iiclr-25065	494	12	answers	answer	VERB
iiclr-25065	494	13	this	this	DET
iiclr-25065	494	14	problem	problem	NOUN
iiclr-25065	494	15	.	.	PUNCT
iiclr-25065	495	1	150	150	NUM
iiclr-25065	495	2	.	.	PUNCT
iiclr-25065	496	1	see	see	VERB
iiclr-25065	496	2	supra	supra	PROPN
iiclr-25065	496	3	,	,	PUNCT
iiclr-25065	496	4	section	section	NOUN
iiclr-25065	496	5	ii.b	ii.b	PROPN
iiclr-25065	496	6	.	.	PUNCT
iiclr-25065	497	1	waye	waye	PROPN
iiclr-25065	497	2	&	&	CCONJ
iiclr-25065	497	3	morabito	morabito	PROPN
iiclr-25065	497	4	supra	supra	PROPN
iiclr-25065	497	5	,	,	PUNCT
iiclr-25065	497	6	note	note	VERB
iiclr-25065	497	7	3	3	NUM
iiclr-25065	497	8	.	.	PUNCT
iiclr-25065	497	9	other	other	ADJ
iiclr-25065	497	10	nations	nation	NOUN
iiclr-25065	497	11	,	,	PUNCT
iiclr-25065	497	12	like	like	ADP
iiclr-25065	497	13	italy	italy	PROPN
iiclr-25065	497	14	and	and	CCONJ
iiclr-25065	497	15	australia	australia	PROPN
iiclr-25065	497	16	,	,	PUNCT
iiclr-25065	497	17	have	have	AUX
iiclr-25065	497	18	also	also	ADV
iiclr-25065	497	19	instituted	institute	VERB
iiclr-25065	497	20	formal	formal	ADJ
iiclr-25065	497	21	mass	mass	ADJ
iiclr-25065	497	22	regulatory	regulatory	ADJ
iiclr-25065	497	23	redress	redress	NOUN
iiclr-25065	497	24	schemes	scheme	NOUN
iiclr-25065	497	25	.	.	PUNCT
iiclr-25065	498	1	2019	2019	NUM
iiclr-25065	498	2	]	]	PUNCT
iiclr-25065	498	3	toward	toward	ADP
iiclr-25065	498	4	regulatory	regulatory	ADJ
iiclr-25065	498	5	mass	mass	NOUN
iiclr-25065	498	6	redress	redress	NOUN
iiclr-25065	498	7	schemes	scheme	NOUN
iiclr-25065	498	8	121	121	NUM
iiclr-25065	498	9	second	second	ADJ
iiclr-25065	498	10	,	,	PUNCT
iiclr-25065	498	11	financial	financial	ADJ
iiclr-25065	498	12	regulators	regulator	NOUN
iiclr-25065	498	13	are	be	AUX
iiclr-25065	498	14	armed	arm	VERB
iiclr-25065	498	15	with	with	ADP
iiclr-25065	498	16	a	a	DET
iiclr-25065	498	17	variety	variety	NOUN
iiclr-25065	498	18	of	of	ADP
iiclr-25065	498	19	enforcement	enforcement	NOUN
iiclr-25065	498	20	tools	tool	NOUN
iiclr-25065	498	21	to	to	PART
iiclr-25065	498	22	invoke	invoke	VERB
iiclr-25065	498	23	or	or	CCONJ
iiclr-25065	498	24	supplement	supplement	VERB
iiclr-25065	498	25	consumer	consumer	NOUN
iiclr-25065	498	26	redress	redress	NOUN
iiclr-25065	498	27	,	,	PUNCT
iiclr-25065	498	28	and	and	CCONJ
iiclr-25065	498	29	these	these	PRON
iiclr-25065	498	30	enhance	enhance	VERB
iiclr-25065	498	31	the	the	DET
iiclr-25065	498	32	effectiveness	effectiveness	NOUN
iiclr-25065	498	33	of	of	ADP
iiclr-25065	498	34	a	a	DET
iiclr-25065	498	35	redress	redress	NOUN
iiclr-25065	498	36	scheme	scheme	NOUN
iiclr-25065	498	37	.	.	PUNCT
iiclr-25065	499	1	in	in	ADP
iiclr-25065	499	2	addition	addition	NOUN
iiclr-25065	499	3	to	to	ADP
iiclr-25065	499	4	the	the	DET
iiclr-25065	499	5	supervisory	supervisory	ADJ
iiclr-25065	499	6	process	process	NOUN
iiclr-25065	499	7	,	,	PUNCT
iiclr-25065	499	8	regulators	regulator	NOUN
iiclr-25065	499	9	have	have	VERB
iiclr-25065	499	10	their	their	PRON
iiclr-25065	499	11	own	own	ADJ
iiclr-25065	499	12	investigatory	investigatory	NOUN
iiclr-25065	499	13	powers	power	NOUN
iiclr-25065	499	14	to	to	PART
iiclr-25065	499	15	help	help	VERB
iiclr-25065	499	16	them	they	PRON
iiclr-25065	499	17	reach	reach	VERB
iiclr-25065	499	18	an	an	DET
iiclr-25065	499	19	enforcement	enforcement	NOUN
iiclr-25065	499	20	decision	decision	NOUN
iiclr-25065	499	21	.	.	PUNCT
iiclr-25065	500	1	regulators	regulator	NOUN
iiclr-25065	500	2	have	have	VERB
iiclr-25065	500	3	an	an	DET
iiclr-25065	500	4	array	array	NOUN
iiclr-25065	500	5	of	of	ADP
iiclr-25065	500	6	tools	tool	NOUN
iiclr-25065	500	7	for	for	ADP
iiclr-25065	500	8	enforcing	enforce	VERB
iiclr-25065	500	9	laws	law	NOUN
iiclr-25065	500	10	,	,	PUNCT
iiclr-25065	500	11	including	include	VERB
iiclr-25065	500	12	criminal	criminal	ADJ
iiclr-25065	500	13	and	and	CCONJ
iiclr-25065	500	14	administrative	administrative	ADJ
iiclr-25065	500	15	penalties	penalty	NOUN
iiclr-25065	500	16	,	,	PUNCT
iiclr-25065	500	17	and	and	CCONJ
iiclr-25065	500	18	powers	power	NOUN
iiclr-25065	500	19	such	such	ADJ
iiclr-25065	500	20	as	as	ADP
iiclr-25065	500	21	cease	cease	NOUN
iiclr-25065	500	22	and	and	CCONJ
iiclr-25065	500	23	desist	desist	VERB
iiclr-25065	500	24	orders	order	NOUN
iiclr-25065	500	25	and	and	CCONJ
iiclr-25065	500	26	injunctions	injunction	NOUN
iiclr-25065	500	27	against	against	ADP
iiclr-25065	500	28	infringement	infringement	NOUN
iiclr-25065	500	29	.	.	PUNCT
iiclr-25065	501	1	these	these	DET
iiclr-25065	501	2	actions	action	NOUN
iiclr-25065	501	3	alone	alone	ADV
iiclr-25065	501	4	might	might	AUX
iiclr-25065	501	5	have	have	VERB
iiclr-25065	501	6	deterrence	deterrence	NOUN
iiclr-25065	501	7	effects	effect	NOUN
iiclr-25065	501	8	,	,	PUNCT
iiclr-25065	501	9	but	but	CCONJ
iiclr-25065	501	10	they	they	PRON
iiclr-25065	501	11	can	can	AUX
iiclr-25065	501	12	not	not	PART
iiclr-25065	501	13	redress	redress	VERB
iiclr-25065	501	14	consumer	consumer	NOUN
iiclr-25065	501	15	harm	harm	NOUN
iiclr-25065	501	16	,	,	PUNCT
iiclr-25065	501	17	and	and	CCONJ
iiclr-25065	501	18	so	so	ADV
iiclr-25065	501	19	are	be	AUX
iiclr-25065	501	20	not	not	PART
iiclr-25065	501	21	helpful	helpful	ADJ
iiclr-25065	501	22	to	to	ADP
iiclr-25065	501	23	defrauded	defraud	VERB
iiclr-25065	501	24	customers	customer	NOUN
iiclr-25065	501	25	.	.	PUNCT
iiclr-25065	502	1	the	the	DET
iiclr-25065	502	2	value	value	NOUN
iiclr-25065	502	3	of	of	ADP
iiclr-25065	502	4	this	this	DET
iiclr-25065	502	5	array	array	NOUN
iiclr-25065	502	6	of	of	ADP
iiclr-25065	502	7	enforcement	enforcement	NOUN
iiclr-25065	502	8	tools	tool	NOUN
iiclr-25065	502	9	lies	lie	VERB
iiclr-25065	502	10	in	in	ADP
iiclr-25065	502	11	the	the	DET
iiclr-25065	502	12	fact	fact	NOUN
iiclr-25065	502	13	that	that	SCONJ
iiclr-25065	502	14	they	they	PRON
iiclr-25065	502	15	can	can	AUX
iiclr-25065	502	16	induce	induce	VERB
iiclr-25065	502	17	or	or	CCONJ
iiclr-25065	502	18	influence	influence	VERB
iiclr-25065	502	19	a	a	DET
iiclr-25065	502	20	regulated	regulated	ADJ
iiclr-25065	502	21	entity	entity	NOUN
iiclr-25065	502	22	to	to	PART
iiclr-25065	502	23	implement	implement	VERB
iiclr-25065	502	24	a	a	DET
iiclr-25065	502	25	swifter	swifter	NOUN
iiclr-25065	502	26	and	and	CCONJ
iiclr-25065	502	27	more	more	ADV
iiclr-25065	502	28	robust	robust	ADJ
iiclr-25065	502	29	redress	redress	NOUN
iiclr-25065	502	30	plan.151	plan.151	NOUN
iiclr-25065	502	31	in	in	ADP
iiclr-25065	502	32	nations	nation	NOUN
iiclr-25065	502	33	where	where	SCONJ
iiclr-25065	502	34	authorities	authority	NOUN
iiclr-25065	502	35	do	do	AUX
iiclr-25065	502	36	not	not	PART
iiclr-25065	502	37	have	have	VERB
iiclr-25065	502	38	mandatory	mandatory	ADJ
iiclr-25065	502	39	redress	redress	NOUN
iiclr-25065	502	40	powers	power	NOUN
iiclr-25065	502	41	,	,	PUNCT
iiclr-25065	502	42	regulators	regulator	NOUN
iiclr-25065	502	43	can	can	AUX
iiclr-25065	502	44	derive	derive	VERB
iiclr-25065	502	45	a	a	DET
iiclr-25065	502	46	de	de	X
iiclr-25065	502	47	facto	facto	X
iiclr-25065	502	48	power	power	NOUN
iiclr-25065	502	49	to	to	PART
iiclr-25065	502	50	encourage	encourage	VERB
iiclr-25065	502	51	a	a	DET
iiclr-25065	502	52	voluntary	voluntary	ADJ
iiclr-25065	502	53	redress	redress	NOUN
iiclr-25065	502	54	from	from	ADP
iiclr-25065	502	55	de	de	X
iiclr-25065	502	56	jure	jure	NOUN
iiclr-25065	502	57	enforcement	enforcement	NOUN
iiclr-25065	502	58	powers	power	NOUN
iiclr-25065	502	59	.	.	PUNCT
iiclr-25065	503	1	in	in	ADP
iiclr-25065	503	2	other	other	ADJ
iiclr-25065	503	3	words	word	NOUN
iiclr-25065	503	4	,	,	PUNCT
iiclr-25065	503	5	regulatory	regulatory	ADJ
iiclr-25065	503	6	redress	redress	NOUN
iiclr-25065	503	7	is	be	AUX
iiclr-25065	503	8	effective	effective	ADJ
iiclr-25065	503	9	because	because	SCONJ
iiclr-25065	503	10	it	it	PRON
iiclr-25065	503	11	can	can	AUX
iiclr-25065	503	12	be	be	AUX
iiclr-25065	503	13	used	use	VERB
iiclr-25065	503	14	in	in	ADP
iiclr-25065	503	15	tandem	tandem	NOUN
iiclr-25065	503	16	with	with	ADP
iiclr-25065	503	17	other	other	ADJ
iiclr-25065	503	18	enforcement	enforcement	NOUN
iiclr-25065	503	19	tools.152	tools.152	PROPN
iiclr-25065	503	20	third	third	ADV
iiclr-25065	503	21	,	,	PUNCT
iiclr-25065	503	22	the	the	DET
iiclr-25065	503	23	consumer	consumer	NOUN
iiclr-25065	503	24	harm	harm	NOUN
iiclr-25065	503	25	that	that	SCONJ
iiclr-25065	503	26	financial	financial	ADJ
iiclr-25065	503	27	products	product	NOUN
iiclr-25065	503	28	cause	cause	VERB
iiclr-25065	503	29	can	can	AUX
iiclr-25065	503	30	easily	easily	ADV
iiclr-25065	503	31	be	be	AUX
iiclr-25065	503	32	widespread	widespread	ADJ
iiclr-25065	503	33	,	,	PUNCT
iiclr-25065	503	34	inconspicuous	inconspicuous	ADJ
iiclr-25065	503	35	,	,	PUNCT
iiclr-25065	503	36	and	and	CCONJ
iiclr-25065	503	37	of	of	ADP
iiclr-25065	503	38	little	little	ADJ
iiclr-25065	503	39	value	value	NOUN
iiclr-25065	503	40	on	on	ADP
iiclr-25065	503	41	an	an	DET
iiclr-25065	503	42	individual	individual	ADJ
iiclr-25065	503	43	level	level	NOUN
iiclr-25065	503	44	.	.	PUNCT
iiclr-25065	504	1	the	the	DET
iiclr-25065	504	2	case	case	NOUN
iiclr-25065	504	3	studies	study	NOUN
iiclr-25065	504	4	on	on	ADP
iiclr-25065	504	5	mis	mis	PROPN
iiclr-25065	504	6	-	-	PUNCT
iiclr-25065	504	7	sold	sell	VERB
iiclr-25065	504	8	ppi	ppi	NOUN
iiclr-25065	504	9	and	and	CCONJ
iiclr-25065	504	10	credit	credit	NOUN
iiclr-25065	504	11	card	card	NOUN
iiclr-25065	504	12	add	add	VERB
iiclr-25065	504	13	-	-	PUNCT
iiclr-25065	504	14	on	on	ADP
iiclr-25065	504	15	products	product	NOUN
iiclr-25065	504	16	illustrate	illustrate	VERB
iiclr-25065	504	17	this	this	DET
iiclr-25065	504	18	point	point	NOUN
iiclr-25065	504	19	.	.	PUNCT
iiclr-25065	505	1	unlike	unlike	ADP
iiclr-25065	505	2	defective	defective	ADJ
iiclr-25065	505	3	manufactured	manufacture	VERB
iiclr-25065	505	4	goods	good	NOUN
iiclr-25065	505	5	,	,	PUNCT
iiclr-25065	505	6	the	the	DET
iiclr-25065	505	7	consumer	consumer	NOUN
iiclr-25065	505	8	harm	harm	NOUN
iiclr-25065	505	9	that	that	SCONJ
iiclr-25065	505	10	financial	financial	ADJ
iiclr-25065	505	11	services	service	NOUN
iiclr-25065	505	12	contracts	contract	NOUN
iiclr-25065	505	13	generate	generate	VERB
iiclr-25065	505	14	can	can	AUX
iiclr-25065	505	15	go	go	VERB
iiclr-25065	505	16	unnoticed	unnoticed	ADJ
iiclr-25065	505	17	for	for	ADP
iiclr-25065	505	18	months	month	NOUN
iiclr-25065	505	19	or	or	CCONJ
iiclr-25065	505	20	even	even	ADJ
iiclr-25065	505	21	years	year	NOUN
iiclr-25065	505	22	.	.	PUNCT
iiclr-25065	506	1	in	in	ADP
iiclr-25065	506	2	the	the	DET
iiclr-25065	506	3	u.k	u.k	PROPN
iiclr-25065	506	4	.	.	PROPN
iiclr-25065	506	5	,	,	PUNCT
iiclr-25065	506	6	ppi	ppi	PROPN
iiclr-25065	506	7	consumers	consumer	NOUN
iiclr-25065	506	8	were	be	AUX
iiclr-25065	506	9	unaware	unaware	ADJ
iiclr-25065	506	10	of	of	ADP
iiclr-25065	506	11	the	the	DET
iiclr-25065	506	12	scandal	scandal	NOUN
iiclr-25065	506	13	for	for	ADP
iiclr-25065	506	14	decades	decade	NOUN
iiclr-25065	506	15	.	.	PUNCT
iiclr-25065	507	1	consumers	consumer	NOUN
iiclr-25065	507	2	easily	easily	ADV
iiclr-25065	507	3	overlooked	overlook	VERB
iiclr-25065	507	4	financial	financial	ADJ
iiclr-25065	507	5	charges	charge	NOUN
iiclr-25065	507	6	on	on	ADP
iiclr-25065	507	7	their	their	PRON
iiclr-25065	507	8	monthly	monthly	ADJ
iiclr-25065	507	9	bills	bill	NOUN
iiclr-25065	507	10	(	(	PUNCT
iiclr-25065	507	11	especially	especially	ADV
iiclr-25065	507	12	in	in	ADP
iiclr-25065	507	13	low	low	ADJ
iiclr-25065	507	14	amounts	amount	NOUN
iiclr-25065	507	15	)	)	PUNCT
iiclr-25065	507	16	,	,	PUNCT
iiclr-25065	507	17	even	even	ADV
iiclr-25065	507	18	when	when	SCONJ
iiclr-25065	507	19	companies	company	NOUN
iiclr-25065	507	20	added	add	VERB
iiclr-25065	507	21	them	they	PRON
iiclr-25065	507	22	illegally	illegally	ADV
iiclr-25065	507	23	.	.	PUNCT
iiclr-25065	508	1	other	other	ADJ
iiclr-25065	508	2	examples	example	NOUN
iiclr-25065	508	3	of	of	ADP
iiclr-25065	508	4	low	low	ADJ
iiclr-25065	508	5	-	-	PUNCT
iiclr-25065	508	6	value	value	NOUN
iiclr-25065	508	7	but	but	CCONJ
iiclr-25065	508	8	widespread	widespread	ADJ
iiclr-25065	508	9	harm	harm	NOUN
iiclr-25065	508	10	in	in	ADP
iiclr-25065	508	11	the	the	DET
iiclr-25065	508	12	financial	financial	ADJ
iiclr-25065	508	13	sector	sector	NOUN
iiclr-25065	508	14	abound	abound	NOUN
iiclr-25065	508	15	.	.	PUNCT
iiclr-25065	509	1	for	for	ADP
iiclr-25065	509	2	example	example	NOUN
iiclr-25065	509	3	,	,	PUNCT
iiclr-25065	509	4	in	in	ADP
iiclr-25065	509	5	ireland	ireland	NOUN
iiclr-25065	509	6	,	,	PUNCT
iiclr-25065	509	7	about	about	ADV
iiclr-25065	509	8	160,000	160,000	NUM
iiclr-25065	509	9	people	people	NOUN
iiclr-25065	509	10	were	be	AUX
iiclr-25065	509	11	eligible	eligible	ADJ
iiclr-25065	509	12	to	to	PART
iiclr-25065	509	13	claim	claim	VERB
iiclr-25065	509	14	between	between	ADP
iiclr-25065	509	15	€	€	SYM
iiclr-25065	509	16	100	100	NUM
iiclr-25065	509	17	and	and	CCONJ
iiclr-25065	509	18	€	€	SYM
iiclr-25065	509	19	200	200	NUM
iiclr-25065	509	20	each	each	PRON
iiclr-25065	509	21	for	for	ADP
iiclr-25065	509	22	having	having	AUX
iiclr-25065	509	23	been	be	AUX
iiclr-25065	509	24	mis	mi	NOUN
iiclr-25065	509	25	-	-	PUNCT
iiclr-25065	509	26	sold	sell	VERB
iiclr-25065	509	27	a	a	DET
iiclr-25065	509	28	credit	credit	NOUN
iiclr-25065	509	29	card	card	NOUN
iiclr-25065	509	30	protection	protection	NOUN
iiclr-25065	509	31	policy.153	policy.153	NOUN
iiclr-25065	509	32	in	in	ADP
iiclr-25065	509	33	latvia	latvia	PROPN
iiclr-25065	509	34	,	,	PUNCT
iiclr-25065	509	35	it	it	PRON
iiclr-25065	509	36	took	take	VERB
iiclr-25065	509	37	more	more	ADJ
iiclr-25065	509	38	than	than	ADP
iiclr-25065	509	39	two	two	NUM
iiclr-25065	509	40	years	year	NOUN
iiclr-25065	509	41	for	for	SCONJ
iiclr-25065	509	42	anyone	anyone	PRON
iiclr-25065	509	43	to	to	PART
iiclr-25065	509	44	notice	notice	VERB
iiclr-25065	509	45	that	that	SCONJ
iiclr-25065	509	46	a	a	DET
iiclr-25065	509	47	large	large	ADJ
iiclr-25065	509	48	consumer	consumer	NOUN
iiclr-25065	509	49	credit	credit	NOUN
iiclr-25065	509	50	company	company	NOUN
iiclr-25065	509	51	was	be	AUX
iiclr-25065	509	52	misleading	mislead	VERB
iiclr-25065	509	53	consumers	consumer	NOUN
iiclr-25065	509	54	with	with	ADP
iiclr-25065	509	55	respect	respect	NOUN
iiclr-25065	509	56	to	to	ADP
iiclr-25065	509	57	interest	interest	NOUN
iiclr-25065	509	58	rates	rate	NOUN
iiclr-25065	509	59	on	on	ADP
iiclr-25065	509	60	credit	credit	NOUN
iiclr-25065	509	61	cards	card	NOUN
iiclr-25065	509	62	.	.	PUNCT
iiclr-25065	510	1	154	154	NUM
iiclr-25065	510	2	regulatory	regulatory	ADJ
iiclr-25065	510	3	consumer	consumer	NOUN
iiclr-25065	510	4	redress	redress	NOUN
iiclr-25065	510	5	,	,	PUNCT
iiclr-25065	510	6	especially	especially	ADV
iiclr-25065	510	7	“	"	PUNCT
iiclr-25065	510	8	automatic	automatic	ADJ
iiclr-25065	510	9	”	"	PUNCT
iiclr-25065	510	10	redress	redress	NOUN
iiclr-25065	510	11	schemes	scheme	NOUN
iiclr-25065	510	12	where	where	SCONJ
iiclr-25065	510	13	financial	financial	ADJ
iiclr-25065	510	14	companies	company	NOUN
iiclr-25065	510	15	pay	pay	VERB
iiclr-25065	510	16	refunds	refund	NOUN
iiclr-25065	510	17	even	even	ADV
iiclr-25065	510	18	to	to	ADP
iiclr-25065	510	19	consumers	consumer	NOUN
iiclr-25065	510	20	who	who	PRON
iiclr-25065	510	21	have	have	AUX
iiclr-25065	510	22	not	not	PART
iiclr-25065	510	23	filed	file	VERB
iiclr-25065	510	24	a	a	DET
iiclr-25065	510	25	consumer	consumer	NOUN
iiclr-25065	510	26	complaint	complaint	NOUN
iiclr-25065	510	27	is	be	AUX
iiclr-25065	510	28	particularly	particularly	ADV
iiclr-25065	510	29	useful	useful	ADJ
iiclr-25065	510	30	for	for	SCONJ
iiclr-25065	510	31	these	these	DET
iiclr-25065	510	32	types	type	NOUN
iiclr-25065	510	33	of	of	ADP
iiclr-25065	510	34	small	small	ADJ
iiclr-25065	510	35	amount	amount	NOUN
iiclr-25065	510	36	cases.155	cases.155	NOUN
iiclr-25065	510	37	finally	finally	ADV
iiclr-25065	510	38	,	,	PUNCT
iiclr-25065	510	39	it	it	PRON
iiclr-25065	510	40	is	be	AUX
iiclr-25065	510	41	foreseeable	foreseeable	ADJ
iiclr-25065	510	42	that	that	SCONJ
iiclr-25065	510	43	digitalization	digitalization	NOUN
iiclr-25065	510	44	in	in	ADP
iiclr-25065	510	45	the	the	DET
iiclr-25065	510	46	financial	financial	ADJ
iiclr-25065	510	47	sector	sector	NOUN
iiclr-25065	510	48	will	will	AUX
iiclr-25065	510	49	create	create	VERB
iiclr-25065	510	50	more	more	ADJ
iiclr-25065	510	51	possibilities	possibility	NOUN
iiclr-25065	510	52	for	for	ADP
iiclr-25065	510	53	inconspicuous	inconspicuous	ADJ
iiclr-25065	510	54	,	,	PUNCT
iiclr-25065	510	55	widespread	widespread	ADJ
iiclr-25065	510	56	harm	harm	NOUN
iiclr-25065	510	57	.	.	PUNCT
iiclr-25065	511	1	the	the	DET
iiclr-25065	511	2	rapid	rapid	ADJ
iiclr-25065	511	3	evolution	evolution	NOUN
iiclr-25065	511	4	of	of	ADP
iiclr-25065	511	5	technology	technology	NOUN
iiclr-25065	511	6	in	in	ADP
iiclr-25065	511	7	the	the	DET
iiclr-25065	511	8	financial	financial	ADJ
iiclr-25065	511	9	area	area	NOUN
iiclr-25065	511	10	has	have	AUX
iiclr-25065	511	11	fundamentally	fundamentally	ADV
iiclr-25065	511	12	changed	change	VERB
iiclr-25065	511	13	the	the	DET
iiclr-25065	511	14	way	way	NOUN
iiclr-25065	511	15	that	that	PRON
iiclr-25065	511	16	companies	company	NOUN
iiclr-25065	511	17	sell	sell	VERB
iiclr-25065	511	18	these	these	DET
iiclr-25065	511	19	services	service	NOUN
iiclr-25065	511	20	,	,	PUNCT
iiclr-25065	511	21	while	while	SCONJ
iiclr-25065	511	22	diminishing	diminish	VERB
iiclr-25065	511	23	consumers	consumer	NOUN
iiclr-25065	511	24	’	'	PUNCT
iiclr-25065	511	25	ability	ability	NOUN
iiclr-25065	511	26	to	to	PART
iiclr-25065	511	27	understand	understand	VERB
iiclr-25065	511	28	the	the	DET
iiclr-25065	511	29	financial	financial	ADJ
iiclr-25065	511	30	transactions	transaction	NOUN
iiclr-25065	511	31	.	.	PUNCT
iiclr-25065	512	1	this	this	DET
iiclr-25065	512	2	increased	increase	VERB
iiclr-25065	512	3	consumer	consumer	NOUN
iiclr-25065	512	4	vulnerability	vulnerability	NOUN
iiclr-25065	512	5	will	will	AUX
iiclr-25065	512	6	inevitably	inevitably	ADV
iiclr-25065	512	7	lead	lead	VERB
iiclr-25065	512	8	to	to	ADP
iiclr-25065	512	9	an	an	DET
iiclr-25065	512	10	increase	increase	NOUN
iiclr-25065	512	11	in	in	ADP
iiclr-25065	512	12	unfair	unfair	ADJ
iiclr-25065	512	13	and	and	CCONJ
iiclr-25065	512	14	deceptive	deceptive	ADJ
iiclr-25065	512	15	trade	trade	NOUN
iiclr-25065	512	16	practices	practice	NOUN
iiclr-25065	512	17	,	,	PUNCT
iiclr-25065	512	18	151	151	NUM
iiclr-25065	512	19	.	.	PUNCT
iiclr-25065	513	1	hodges	hodges	PROPN
iiclr-25065	513	2	&	&	CCONJ
iiclr-25065	513	3	voet	voet	PROPN
iiclr-25065	513	4	,	,	PUNCT
iiclr-25065	513	5	supra	supra	PROPN
iiclr-25065	513	6	note	note	NOUN
iiclr-25065	513	7	1	1	NUM
iiclr-25065	513	8	,	,	PUNCT
iiclr-25065	513	9	at	at	ADP
iiclr-25065	513	10	154	154	NUM
iiclr-25065	513	11	.	.	PUNCT
iiclr-25065	513	12	152	152	NUM
iiclr-25065	513	13	.	.	PUNCT
iiclr-25065	514	1	hodges	hodges	PROPN
iiclr-25065	514	2	supra	supra	PROPN
iiclr-25065	514	3	,	,	PUNCT
iiclr-25065	514	4	note	note	VERB
iiclr-25065	514	5	13	13	NUM
iiclr-25065	514	6	,	,	PUNCT
iiclr-25065	514	7	at	at	ADP
iiclr-25065	514	8	19	19	NUM
iiclr-25065	514	9	,	,	PUNCT
iiclr-25065	514	10	20	20	NUM
iiclr-25065	514	11	.	.	NOUN
iiclr-25065	514	12	153	153	NUM
iiclr-25065	514	13	.	.	PUNCT
iiclr-25065	515	1	collective	collective	ADJ
iiclr-25065	515	2	redress	redress	NOUN
iiclr-25065	515	3	for	for	ADP
iiclr-25065	515	4	all	all	DET
iiclr-25065	515	5	europeans	european	NOUN
iiclr-25065	515	6	,	,	PUNCT
iiclr-25065	515	7	beuc	beuc	NOUN
iiclr-25065	515	8	:	:	PUNCT
iiclr-25065	515	9	the	the	DET
iiclr-25065	515	10	european	european	ADJ
iiclr-25065	515	11	consumer	consumer	NOUN
iiclr-25065	515	12	organisation	organisation	NOUN
iiclr-25065	515	13	,	,	PUNCT
iiclr-25065	515	14	https://www.beuc.eu/collective-redress-all-eu-consumers#examples	https://www.beuc.eu/collective-redress-all-eu-consumers#example	NOUN
iiclr-25065	515	15	[	[	X
iiclr-25065	515	16	https://	https://	PROPN
iiclr-25065	515	17	perma.cc/a8zs-sqqe	perma.cc/a8zs-sqqe	PROPN
iiclr-25065	515	18	]	]	PUNCT
iiclr-25065	515	19	(	(	PUNCT
iiclr-25065	515	20	last	last	ADV
iiclr-25065	515	21	visited	visit	VERB
iiclr-25065	515	22	aug	aug	PROPN
iiclr-25065	515	23	.	.	PROPN
iiclr-25065	515	24	6	6	NUM
iiclr-25065	515	25	,	,	PUNCT
iiclr-25065	515	26	2019	2019	NUM
iiclr-25065	515	27	)	)	PUNCT
iiclr-25065	515	28	.	.	PUNCT
iiclr-25065	516	1	however	however	ADV
iiclr-25065	516	2	,	,	PUNCT
iiclr-25065	516	3	ireland	ireland	PROPN
iiclr-25065	516	4	does	do	AUX
iiclr-25065	516	5	not	not	PART
iiclr-25065	516	6	have	have	VERB
iiclr-25065	516	7	a	a	DET
iiclr-25065	516	8	collective	collective	ADJ
iiclr-25065	516	9	redress	redress	NOUN
iiclr-25065	516	10	system	system	NOUN
iiclr-25065	516	11	to	to	PART
iiclr-25065	516	12	facilitate	facilitate	VERB
iiclr-25065	516	13	this	this	DET
iiclr-25065	516	14	restitution	restitution	NOUN
iiclr-25065	516	15	.	.	PUNCT
iiclr-25065	517	1	154	154	NUM
iiclr-25065	517	2	.	.	PUNCT
iiclr-25065	518	1	i	i	PRON
iiclr-25065	518	2	d.	d.	PROPN
iiclr-25065	518	3	155	155	NUM
iiclr-25065	518	4	.	.	PUNCT
iiclr-25065	519	1	the	the	DET
iiclr-25065	519	2	case	case	NOUN
iiclr-25065	519	3	study	study	NOUN
iiclr-25065	519	4	on	on	ADP
iiclr-25065	519	5	the	the	DET
iiclr-25065	519	6	cfpb	cfpb	NOUN
iiclr-25065	519	7	refunding	refund	VERB
iiclr-25065	519	8	consumers	consumer	NOUN
iiclr-25065	519	9	is	be	AUX
iiclr-25065	519	10	a	a	DET
iiclr-25065	519	11	good	good	ADJ
iiclr-25065	519	12	example	example	NOUN
iiclr-25065	519	13	of	of	ADP
iiclr-25065	519	14	this	this	PRON
iiclr-25065	519	15	.	.	PUNCT
iiclr-25065	520	1	indiana	indiana	PROPN
iiclr-25065	520	2	int’l	int’l	PROPN
iiclr-25065	520	3	&	&	CCONJ
iiclr-25065	520	4	comp	comp	PROPN
iiclr-25065	520	5	.	.	PUNCT
iiclr-25065	521	1	law	law	NOUN
iiclr-25065	521	2	review	review	NOUN
iiclr-25065	522	1	[	[	X
iiclr-25065	522	2	vol	vol	NOUN
iiclr-25065	522	3	.	.	PUNCT
iiclr-25065	522	4	30:99	30:99	NUM
iiclr-25065	522	5	122	122	NUM
iiclr-25065	522	6	including	include	VERB
iiclr-25065	522	7	fraud	fraud	NOUN
iiclr-25065	522	8	and	and	CCONJ
iiclr-25065	522	9	mis	mi	NOUN
iiclr-25065	522	10	-	-	PUNCT
iiclr-25065	522	11	selling	selling	NOUN
iiclr-25065	522	12	,	,	PUNCT
iiclr-25065	522	13	as	as	ADV
iiclr-25065	522	14	well	well	ADV
iiclr-25065	522	15	as	as	ADP
iiclr-25065	522	16	account	account	NOUN
iiclr-25065	522	17	hacking	hack	VERB
iiclr-25065	522	18	and	and	CCONJ
iiclr-25065	522	19	data	datum	NOUN
iiclr-25065	522	20	theft.156	theft.156	PROPN
iiclr-25065	522	21	v.	v.	ADP
iiclr-25065	522	22	designing	design	VERB
iiclr-25065	522	23	an	an	DET
iiclr-25065	522	24	optimal	optimal	ADJ
iiclr-25065	522	25	regulatory	regulatory	ADJ
iiclr-25065	522	26	redress	redress	NOUN
iiclr-25065	522	27	scheme	scheme	NOUN
iiclr-25065	522	28	a.	a.	NOUN
iiclr-25065	522	29	balancing	balancing	NOUN
iiclr-25065	522	30	benchmarks	benchmark	VERB
iiclr-25065	522	31	the	the	DET
iiclr-25065	522	32	three	three	NUM
iiclr-25065	522	33	case	case	NOUN
iiclr-25065	522	34	studies	study	NOUN
iiclr-25065	522	35	show	show	VERB
iiclr-25065	522	36	that	that	SCONJ
iiclr-25065	522	37	regulatory	regulatory	ADJ
iiclr-25065	522	38	redress	redress	NOUN
iiclr-25065	522	39	schemes	scheme	NOUN
iiclr-25065	522	40	operate	operate	VERB
iiclr-25065	522	41	in	in	ADP
iiclr-25065	522	42	the	the	DET
iiclr-25065	522	43	broader	broad	ADJ
iiclr-25065	522	44	milieu	milieu	NOUN
iiclr-25065	522	45	of	of	ADP
iiclr-25065	522	46	each	each	DET
iiclr-25065	522	47	nation	nation	NOUN
iiclr-25065	522	48	’s	’s	PART
iiclr-25065	522	49	unique	unique	ADJ
iiclr-25065	522	50	civil	civil	ADJ
iiclr-25065	522	51	justice	justice	NOUN
iiclr-25065	522	52	system	system	NOUN
iiclr-25065	522	53	and	and	CCONJ
iiclr-25065	522	54	financial	financial	ADJ
iiclr-25065	522	55	regulatory	regulatory	ADJ
iiclr-25065	522	56	architecture	architecture	NOUN
iiclr-25065	522	57	.	.	PUNCT
iiclr-25065	523	1	the	the	DET
iiclr-25065	523	2	customs	custom	NOUN
iiclr-25065	523	3	and	and	CCONJ
iiclr-25065	523	4	traditions	tradition	NOUN
iiclr-25065	523	5	,	,	PUNCT
iiclr-25065	523	6	the	the	DET
iiclr-25065	523	7	cultural	cultural	ADJ
iiclr-25065	523	8	factors	factor	NOUN
iiclr-25065	523	9	,	,	PUNCT
iiclr-25065	523	10	and	and	CCONJ
iiclr-25065	523	11	the	the	DET
iiclr-25065	523	12	nature	nature	NOUN
iiclr-25065	523	13	of	of	ADP
iiclr-25065	523	14	existing	exist	VERB
iiclr-25065	523	15	relationships	relationship	NOUN
iiclr-25065	523	16	between	between	ADP
iiclr-25065	523	17	authorities	authority	NOUN
iiclr-25065	523	18	and	and	CCONJ
iiclr-25065	523	19	regulated	regulated	ADJ
iiclr-25065	523	20	entities	entity	NOUN
iiclr-25065	523	21	also	also	ADV
iiclr-25065	523	22	contribute	contribute	VERB
iiclr-25065	523	23	to	to	ADP
iiclr-25065	523	24	the	the	DET
iiclr-25065	523	25	various	various	ADJ
iiclr-25065	523	26	approaches	approach	NOUN
iiclr-25065	523	27	.	.	PUNCT
iiclr-25065	524	1	despite	despite	SCONJ
iiclr-25065	524	2	these	these	DET
iiclr-25065	524	3	differences	difference	NOUN
iiclr-25065	524	4	,	,	PUNCT
iiclr-25065	524	5	however	however	ADV
iiclr-25065	524	6	,	,	PUNCT
iiclr-25065	524	7	we	we	PRON
iiclr-25065	524	8	can	can	AUX
iiclr-25065	524	9	derive	derive	VERB
iiclr-25065	524	10	common	common	ADJ
iiclr-25065	524	11	benchmarks	benchmark	NOUN
iiclr-25065	524	12	that	that	PRON
iiclr-25065	524	13	legislators	legislator	NOUN
iiclr-25065	524	14	should	should	AUX
iiclr-25065	524	15	consider	consider	VERB
iiclr-25065	524	16	when	when	SCONJ
iiclr-25065	524	17	designing	design	VERB
iiclr-25065	524	18	an	an	DET
iiclr-25065	524	19	effective	effective	ADJ
iiclr-25065	524	20	regulatory	regulatory	ADJ
iiclr-25065	524	21	redress	redress	NOUN
iiclr-25065	524	22	scheme	scheme	NOUN
iiclr-25065	524	23	.	.	PUNCT
iiclr-25065	525	1	first	first	ADV
iiclr-25065	525	2	,	,	PUNCT
iiclr-25065	525	3	a	a	DET
iiclr-25065	525	4	regulatory	regulatory	ADJ
iiclr-25065	525	5	reparations	reparation	NOUN
iiclr-25065	525	6	scheme	scheme	NOUN
iiclr-25065	525	7	that	that	PRON
iiclr-25065	525	8	is	be	AUX
iiclr-25065	525	9	set	set	VERB
iiclr-25065	525	10	against	against	ADP
iiclr-25065	525	11	judicial	judicial	ADJ
iiclr-25065	525	12	redress	redress	NOUN
iiclr-25065	525	13	can	can	AUX
iiclr-25065	525	14	be	be	AUX
iiclr-25065	525	15	efficient	efficient	ADJ
iiclr-25065	525	16	,	,	PUNCT
iiclr-25065	525	17	even	even	ADV
iiclr-25065	525	18	though	though	SCONJ
iiclr-25065	525	19	it	it	PRON
iiclr-25065	525	20	raises	raise	VERB
iiclr-25065	525	21	concerns	concern	NOUN
iiclr-25065	525	22	about	about	ADP
iiclr-25065	525	23	the	the	DET
iiclr-25065	525	24	right	right	NOUN
iiclr-25065	525	25	to	to	ADP
iiclr-25065	525	26	fair	fair	ADJ
iiclr-25065	525	27	trial	trial	NOUN
iiclr-25065	525	28	and	and	CCONJ
iiclr-25065	525	29	due	due	ADJ
iiclr-25065	525	30	process	process	NOUN
iiclr-25065	525	31	.	.	PUNCT
iiclr-25065	526	1	judicial	judicial	ADJ
iiclr-25065	526	2	redress	redress	NOUN
iiclr-25065	526	3	is	be	AUX
iiclr-25065	526	4	tedious	tedious	ADJ
iiclr-25065	526	5	and	and	CCONJ
iiclr-25065	526	6	resource	resource	NOUN
iiclr-25065	526	7	-	-	PUNCT
iiclr-25065	526	8	intensive	intensive	ADJ
iiclr-25065	526	9	but	but	CCONJ
iiclr-25065	526	10	it	it	PRON
iiclr-25065	526	11	demonstrates	demonstrate	VERB
iiclr-25065	526	12	the	the	DET
iiclr-25065	526	13	most	most	ADJ
iiclr-25065	526	14	reverence	reverence	NOUN
iiclr-25065	526	15	to	to	ADP
iiclr-25065	526	16	the	the	DET
iiclr-25065	526	17	rule	rule	NOUN
iiclr-25065	526	18	of	of	ADP
iiclr-25065	526	19	law	law	NOUN
iiclr-25065	526	20	.	.	PUNCT
iiclr-25065	527	1	the	the	DET
iiclr-25065	527	2	right	right	NOUN
iiclr-25065	527	3	to	to	ADP
iiclr-25065	527	4	a	a	DET
iiclr-25065	527	5	fair	fair	ADJ
iiclr-25065	527	6	trial	trial	NOUN
iiclr-25065	527	7	,	,	PUNCT
iiclr-25065	527	8	with	with	ADP
iiclr-25065	527	9	an	an	DET
iiclr-25065	527	10	independent	independent	ADJ
iiclr-25065	527	11	judiciary	judiciary	NOUN
iiclr-25065	527	12	that	that	PRON
iiclr-25065	527	13	considers	consider	VERB
iiclr-25065	527	14	the	the	DET
iiclr-25065	527	15	evidence	evidence	NOUN
iiclr-25065	527	16	and	and	CCONJ
iiclr-25065	527	17	applies	apply	VERB
iiclr-25065	527	18	the	the	DET
iiclr-25065	527	19	law	law	NOUN
iiclr-25065	527	20	,	,	PUNCT
iiclr-25065	527	21	gives	give	VERB
iiclr-25065	527	22	way	way	NOUN
iiclr-25065	527	23	in	in	ADP
iiclr-25065	527	24	a	a	DET
iiclr-25065	527	25	regulatory	regulatory	ADJ
iiclr-25065	527	26	redress	redress	NOUN
iiclr-25065	527	27	scheme	scheme	NOUN
iiclr-25065	527	28	to	to	ADP
iiclr-25065	527	29	efficiency	efficiency	NOUN
iiclr-25065	527	30	and	and	CCONJ
iiclr-25065	527	31	expediency	expediency	NOUN
iiclr-25065	527	32	.	.	PUNCT
iiclr-25065	528	1	some	some	DET
iiclr-25065	528	2	types	type	NOUN
iiclr-25065	528	3	of	of	ADP
iiclr-25065	528	4	regulatory	regulatory	ADJ
iiclr-25065	528	5	redress	redress	NOUN
iiclr-25065	528	6	schemes	scheme	NOUN
iiclr-25065	528	7	replace	replace	VERB
iiclr-25065	528	8	due	due	ADJ
iiclr-25065	528	9	process	process	NOUN
iiclr-25065	528	10	with	with	ADP
iiclr-25065	528	11	the	the	DET
iiclr-25065	528	12	voluntary	voluntary	ADJ
iiclr-25065	528	13	consent	consent	NOUN
iiclr-25065	528	14	of	of	ADP
iiclr-25065	528	15	the	the	DET
iiclr-25065	528	16	regulated.157	regulated.157	NOUN
iiclr-25065	528	17	for	for	ADP
iiclr-25065	528	18	example	example	NOUN
iiclr-25065	528	19	,	,	PUNCT
iiclr-25065	528	20	the	the	DET
iiclr-25065	528	21	use	use	NOUN
iiclr-25065	528	22	of	of	ADP
iiclr-25065	528	23	consent	consent	NOUN
iiclr-25065	528	24	orders	order	NOUN
iiclr-25065	528	25	in	in	ADP
iiclr-25065	528	26	the	the	DET
iiclr-25065	528	27	us	us	PROPN
iiclr-25065	528	28	cfpb	cfpb	NOUN
iiclr-25065	528	29	case	case	NOUN
iiclr-25065	528	30	study	study	NOUN
iiclr-25065	528	31	bypasses	bypass	VERB
iiclr-25065	528	32	any	any	DET
iiclr-25065	528	33	procedural	procedural	ADJ
iiclr-25065	528	34	requirements	requirement	NOUN
iiclr-25065	528	35	for	for	ADP
iiclr-25065	528	36	adjudication	adjudication	NOUN
iiclr-25065	528	37	and	and	CCONJ
iiclr-25065	528	38	allows	allow	VERB
iiclr-25065	528	39	the	the	DET
iiclr-25065	528	40	administrative	administrative	ADJ
iiclr-25065	528	41	agency	agency	NOUN
iiclr-25065	528	42	and	and	CCONJ
iiclr-25065	528	43	the	the	DET
iiclr-25065	528	44	parties	party	NOUN
iiclr-25065	528	45	involved	involve	VERB
iiclr-25065	528	46	to	to	PART
iiclr-25065	528	47	resolve	resolve	VERB
iiclr-25065	528	48	an	an	DET
iiclr-25065	528	49	agency	agency	NOUN
iiclr-25065	528	50	-	-	PUNCT
iiclr-25065	528	51	initiated	initiate	VERB
iiclr-25065	528	52	proceeding	proceeding	NOUN
iiclr-25065	528	53	without	without	ADP
iiclr-25065	528	54	the	the	DET
iiclr-25065	528	55	time	time	NOUN
iiclr-25065	528	56	and	and	CCONJ
iiclr-25065	528	57	expense	expense	NOUN
iiclr-25065	528	58	of	of	ADP
iiclr-25065	528	59	a	a	DET
iiclr-25065	528	60	formal	formal	ADJ
iiclr-25065	528	61	administrative	administrative	ADJ
iiclr-25065	528	62	hearing.158	hearing.158	NOUN
iiclr-25065	528	63	in	in	ADP
iiclr-25065	528	64	the	the	DET
iiclr-25065	528	65	korean	korean	ADJ
iiclr-25065	528	66	fss	fss	PROPN
iiclr-25065	528	67	case	case	NOUN
iiclr-25065	528	68	study	study	NOUN
iiclr-25065	528	69	,	,	PUNCT
iiclr-25065	528	70	we	we	PRON
iiclr-25065	528	71	saw	see	VERB
iiclr-25065	528	72	that	that	SCONJ
iiclr-25065	528	73	there	there	PRON
iiclr-25065	528	74	was	be	VERB
iiclr-25065	528	75	no	no	DET
iiclr-25065	528	76	legal	legal	ADJ
iiclr-25065	528	77	framework	framework	NOUN
iiclr-25065	528	78	for	for	ADP
iiclr-25065	528	79	imposing	impose	VERB
iiclr-25065	528	80	the	the	DET
iiclr-25065	528	81	redress	redress	NOUN
iiclr-25065	528	82	scheme	scheme	NOUN
iiclr-25065	528	83	;	;	PUNCT
iiclr-25065	528	84	there	there	ADV
iiclr-25065	528	85	,	,	PUNCT
iiclr-25065	528	86	the	the	DET
iiclr-25065	528	87	authorities	authority	NOUN
iiclr-25065	528	88	’	’	PART
iiclr-25065	528	89	informal	informal	ADJ
iiclr-25065	528	90	advice	advice	NOUN
iiclr-25065	528	91	and	and	CCONJ
iiclr-25065	528	92	recommendation	recommendation	NOUN
iiclr-25065	528	93	replaced	replace	VERB
iiclr-25065	528	94	the	the	DET
iiclr-25065	528	95	rule	rule	NOUN
iiclr-25065	528	96	of	of	ADP
iiclr-25065	528	97	law	law	NOUN
iiclr-25065	528	98	.	.	PUNCT
iiclr-25065	529	1	however	however	ADV
iiclr-25065	529	2	,	,	PUNCT
iiclr-25065	529	3	in	in	ADP
iiclr-25065	529	4	this	this	DET
iiclr-25065	529	5	situation	situation	NOUN
iiclr-25065	529	6	,	,	PUNCT
iiclr-25065	529	7	where	where	SCONJ
iiclr-25065	529	8	regulatory	regulatory	ADJ
iiclr-25065	529	9	redress	redress	NOUN
iiclr-25065	529	10	procedures	procedure	NOUN
iiclr-25065	529	11	lack	lack	VERB
iiclr-25065	529	12	the	the	DET
iiclr-25065	529	13	minimum	minimum	ADJ
iiclr-25065	529	14	procedural	procedural	ADJ
iiclr-25065	529	15	guarantees	guarantee	NOUN
iiclr-25065	529	16	of	of	ADP
iiclr-25065	529	17	a	a	DET
iiclr-25065	529	18	court	court	NOUN
iiclr-25065	529	19	-	-	PUNCT
iiclr-25065	529	20	led	lead	VERB
iiclr-25065	529	21	redress	redress	NOUN
iiclr-25065	529	22	or	or	CCONJ
iiclr-25065	529	23	a	a	DET
iiclr-25065	529	24	formal	formal	ADJ
iiclr-25065	529	25	enforcement	enforcement	NOUN
iiclr-25065	529	26	action	action	NOUN
iiclr-25065	529	27	,	,	PUNCT
iiclr-25065	529	28	such	such	DET
iiclr-25065	529	29	a	a	DET
iiclr-25065	529	30	scheme	scheme	NOUN
iiclr-25065	529	31	might	might	AUX
iiclr-25065	529	32	infringe	infringe	VERB
iiclr-25065	529	33	on	on	ADP
iiclr-25065	529	34	the	the	DET
iiclr-25065	529	35	consumer	consumer	NOUN
iiclr-25065	529	36	’s	’s	NOUN
iiclr-25065	529	37	right	right	NOUN
iiclr-25065	529	38	to	to	ADP
iiclr-25065	529	39	a	a	DET
iiclr-25065	529	40	fair	fair	ADJ
iiclr-25065	529	41	trial	trial	NOUN
iiclr-25065	529	42	or	or	CCONJ
iiclr-25065	529	43	to	to	ADP
iiclr-25065	529	44	due	due	ADJ
iiclr-25065	529	45	process	process	NOUN
iiclr-25065	529	46	for	for	ADP
iiclr-25065	529	47	the	the	DET
iiclr-25065	529	48	participating	participate	VERB
iiclr-25065	529	49	parties.159	parties.159	NUM
iiclr-25065	529	50	156	156	NUM
iiclr-25065	529	51	.	.	PUNCT
iiclr-25065	530	1	g20	g20	PROPN
iiclr-25065	530	2	/	/	SYM
iiclr-25065	530	3	oecd	oecd	PROPN
iiclr-25065	530	4	policy	policy	NOUN
iiclr-25065	530	5	guidance	guidance	NOUN
iiclr-25065	530	6	:	:	PUNCT
iiclr-25065	530	7	financial	financial	ADJ
iiclr-25065	530	8	consumer	consumer	NOUN
iiclr-25065	530	9	protection	protection	NOUN
iiclr-25065	530	10	approaches	approach	VERB
iiclr-25065	530	11	in	in	ADP
iiclr-25065	530	12	the	the	DET
iiclr-25065	530	13	digital	digital	ADJ
iiclr-25065	530	14	age	age	NOUN
iiclr-25065	530	15	,	,	PUNCT
iiclr-25065	530	16	oecd	oecd	PROPN
iiclr-25065	530	17	13	13	NUM
iiclr-25065	530	18	,	,	PUNCT
iiclr-25065	530	19	14	14	NUM
iiclr-25065	530	20	(	(	PUNCT
iiclr-25065	530	21	2018	2018	NUM
iiclr-25065	530	22	)	)	PUNCT
iiclr-25065	530	23	,	,	PUNCT
iiclr-25065	530	24	http://www.oecd.org/g20/g20-oecd-policy-guidancefinancial-consumer-protection-approaches-digital-age.pdf	http://www.oecd.org/g20/g20-oecd-policy-guidancefinancial-consumer-protection-approaches-digital-age.pdf	VERB
iiclr-25065	531	1	[	[	X
iiclr-25065	531	2	https://perma.cc/xnl6-yzhs	https://perma.cc/xnl6-yzhs	PROPN
iiclr-25065	531	3	]	]	PUNCT
iiclr-25065	531	4	.	.	PUNCT
iiclr-25065	532	1	157	157	NUM
iiclr-25065	532	2	.	.	PUNCT
iiclr-25065	532	3	micheal	micheal	PROPN
iiclr-25065	532	4	legg	legg	PROPN
iiclr-25065	532	5	,	,	PUNCT
iiclr-25065	532	6	many	many	ADJ
iiclr-25065	532	7	wrongs	wrong	NOUN
iiclr-25065	532	8	can	can	AUX
iiclr-25065	532	9	make	make	VERB
iiclr-25065	532	10	a	a	DET
iiclr-25065	532	11	right	right	NOUN
iiclr-25065	532	12	:	:	PUNCT
iiclr-25065	532	13	how	how	SCONJ
iiclr-25065	532	14	mass	mass	ADJ
iiclr-25065	532	15	redress	redress	NOUN
iiclr-25065	532	16	schemes	scheme	NOUN
iiclr-25065	532	17	can	can	AUX
iiclr-25065	532	18	replace	replace	VERB
iiclr-25065	532	19	court	court	NOUN
iiclr-25065	532	20	action	action	NOUN
iiclr-25065	532	21	,	,	PUNCT
iiclr-25065	532	22	the	the	DET
iiclr-25065	532	23	conversation	conversation	NOUN
iiclr-25065	532	24	(	(	PUNCT
iiclr-25065	532	25	nov	nov	PROPN
iiclr-25065	532	26	.	.	PROPN
iiclr-25065	532	27	24	24	NUM
iiclr-25065	532	28	,	,	PUNCT
iiclr-25065	532	29	2015	2015	NUM
iiclr-25065	532	30	)	)	PUNCT
iiclr-25065	532	31	,	,	PUNCT
iiclr-25065	532	32	http://theconversation.com/many-wrongscan-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	http://theconversation.com/many-wrongscan-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	X
iiclr-25065	532	33	)	)	PUNCT
iiclr-25065	533	1	[	[	X
iiclr-25065	533	2	https://perma.cc/9rcl-4e8j	https://perma.cc/9rcl-4e8j	X
iiclr-25065	533	3	]	]	X
iiclr-25065	533	4	.	.	PUNCT
iiclr-25065	534	1	158	158	NUM
iiclr-25065	534	2	.	.	X
iiclr-25065	534	3	12	12	NUM
iiclr-25065	534	4	c.f.r	c.f.r	NOUN
iiclr-25065	534	5	.	.	PUNCT
iiclr-25065	535	1	§	§	PROPN
iiclr-25065	535	2	1081.120(c)(3)(v	1081.120(c)(3)(v	NUM
iiclr-25065	535	3	)	)	PUNCT
iiclr-25065	535	4	(	(	PUNCT
iiclr-25065	535	5	2012	2012	NUM
iiclr-25065	535	6	)	)	PUNCT
iiclr-25065	535	7	.	.	PUNCT
iiclr-25065	536	1	by	by	ADP
iiclr-25065	536	2	submitting	submit	VERB
iiclr-25065	536	3	an	an	DET
iiclr-25065	536	4	offer	offer	NOUN
iiclr-25065	536	5	of	of	ADP
iiclr-25065	536	6	settlement	settlement	NOUN
iiclr-25065	536	7	,	,	PUNCT
iiclr-25065	536	8	the	the	DET
iiclr-25065	536	9	person	person	NOUN
iiclr-25065	536	10	making	make	VERB
iiclr-25065	536	11	the	the	DET
iiclr-25065	536	12	offer	offer	NOUN
iiclr-25065	536	13	waives	waif	NOUN
iiclr-25065	536	14	,	,	PUNCT
iiclr-25065	536	15	subject	subject	ADJ
iiclr-25065	536	16	to	to	ADP
iiclr-25065	536	17	acceptance	acceptance	NOUN
iiclr-25065	536	18	of	of	ADP
iiclr-25065	536	19	the	the	DET
iiclr-25065	536	20	offer	offer	NOUN
iiclr-25065	536	21	,	,	PUNCT
iiclr-25065	536	22	judicial	judicial	ADJ
iiclr-25065	536	23	review	review	NOUN
iiclr-25065	536	24	by	by	ADP
iiclr-25065	536	25	any	any	DET
iiclr-25065	536	26	court	court	NOUN
iiclr-25065	536	27	.	.	PUNCT
iiclr-25065	537	1	159	159	NUM
iiclr-25065	537	2	.	.	PUNCT
iiclr-25065	538	1	for	for	ADP
iiclr-25065	538	2	example	example	NOUN
iiclr-25065	538	3	,	,	PUNCT
iiclr-25065	538	4	article	article	NOUN
iiclr-25065	538	5	6	6	NUM
iiclr-25065	538	6	of	of	ADP
iiclr-25065	538	7	the	the	DET
iiclr-25065	538	8	european	european	PROPN
iiclr-25065	538	9	convention	convention	PROPN
iiclr-25065	538	10	on	on	ADP
iiclr-25065	538	11	human	human	ADJ
iiclr-25065	538	12	rights	right	NOUN
iiclr-25065	538	13	notes	note	VERB
iiclr-25065	538	14	the	the	DET
iiclr-25065	538	15	following	follow	VERB
iiclr-25065	538	16	:	:	PUNCT
iiclr-25065	538	17	“	"	PUNCT
iiclr-25065	538	18	in	in	ADP
iiclr-25065	538	19	the	the	DET
iiclr-25065	538	20	determination	determination	NOUN
iiclr-25065	538	21	of	of	ADP
iiclr-25065	538	22	his	his	PRON
iiclr-25065	538	23	civil	civil	ADJ
iiclr-25065	538	24	rights	right	NOUN
iiclr-25065	538	25	and	and	CCONJ
iiclr-25065	538	26	obligations	obligation	NOUN
iiclr-25065	538	27	or	or	CCONJ
iiclr-25065	538	28	of	of	ADP
iiclr-25065	538	29	any	any	DET
iiclr-25065	538	30	criminal	criminal	ADJ
iiclr-25065	538	31	charge	charge	NOUN
iiclr-25065	538	32	against	against	ADP
iiclr-25065	538	33	him	he	PRON
iiclr-25065	538	34	,	,	PUNCT
iiclr-25065	538	35	everyone	everyone	PRON
iiclr-25065	538	36	is	be	AUX
iiclr-25065	538	37	entitled	entitle	VERB
iiclr-25065	538	38	to	to	ADP
iiclr-25065	538	39	a	a	DET
iiclr-25065	538	40	fair	fair	ADJ
iiclr-25065	538	41	and	and	CCONJ
iiclr-25065	538	42	public	public	ADJ
iiclr-25065	538	43	hearing	hearing	NOUN
iiclr-25065	538	44	within	within	ADP
iiclr-25065	538	45	a	a	DET
iiclr-25065	538	46	reasonable	reasonable	ADJ
iiclr-25065	538	47	time	time	NOUN
iiclr-25065	538	48	by	by	ADP
iiclr-25065	538	49	an	an	DET
iiclr-25065	538	50	independent	independent	ADJ
iiclr-25065	538	51	and	and	CCONJ
iiclr-25065	538	52	impartial	impartial	ADJ
iiclr-25065	538	53	tribunal	tribunal	NOUN
iiclr-25065	538	54	established	establish	VERB
iiclr-25065	538	55	by	by	ADP
iiclr-25065	538	56	law	law	NOUN
iiclr-25065	538	57	.	.	PUNCT
iiclr-25065	538	58	”	"	PUNCT
iiclr-25065	539	1	y.b	y.b	PROPN
iiclr-25065	539	2	.	.	PROPN
iiclr-25065	539	3	eur	eur	PROPN
iiclr-25065	539	4	.	.	PUNCT
iiclr-25065	540	1	conv	conv	PROPN
iiclr-25065	540	2	.	.	PUNCT
iiclr-25065	541	1	on	on	ADP
iiclr-25065	541	2	h.r	h.r	PROPN
iiclr-25065	541	3	.	.	PROPN
iiclr-25065	541	4	http://www.oecd.org/g20/g20-oecd-policy-guidance-financial-consumer-protection-approaches-digital-age.pdf	http://www.oecd.org/g20/g20-oecd-policy-guidance-financial-consumer-protection-approaches-digital-age.pdf	PROPN
iiclr-25065	541	5	http://www.oecd.org/g20/g20-oecd-policy-guidance-financial-consumer-protection-approaches-digital-age.pdf	http://www.oecd.org/g20/g20-oecd-policy-guidance-financial-consumer-protection-approaches-digital-age.pdf	PROPN
iiclr-25065	541	6	https://perma.cc/xnl6-yzhs	https://perma.cc/xnl6-yzhs	PROPN
iiclr-25065	541	7	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	AUX
iiclr-25065	541	8	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	http://theconversation.com/many-wrongs-can-make-a-right-how-mass-redress-schemes-can-replace-court-action-51118	VERB
iiclr-25065	541	9	2019	2019	NUM
iiclr-25065	541	10	]	]	PUNCT
iiclr-25065	541	11	toward	toward	ADP
iiclr-25065	541	12	regulatory	regulatory	ADJ
iiclr-25065	541	13	mass	mass	NOUN
iiclr-25065	541	14	redress	redress	NOUN
iiclr-25065	541	15	schemes	scheme	NOUN
iiclr-25065	541	16	123	123	NUM
iiclr-25065	541	17	second	second	ADJ
iiclr-25065	541	18	,	,	PUNCT
iiclr-25065	541	19	procedural	procedural	ADJ
iiclr-25065	541	20	rules	rule	NOUN
iiclr-25065	541	21	for	for	ADP
iiclr-25065	541	22	court	court	NOUN
iiclr-25065	541	23	-	-	PUNCT
iiclr-25065	541	24	led	lead	VERB
iiclr-25065	541	25	remedies	remedy	NOUN
iiclr-25065	541	26	usually	usually	ADV
iiclr-25065	541	27	have	have	VERB
iiclr-25065	541	28	safeguards	safeguard	NOUN
iiclr-25065	541	29	to	to	PART
iiclr-25065	541	30	ensure	ensure	VERB
iiclr-25065	541	31	openness	openness	NOUN
iiclr-25065	541	32	and	and	CCONJ
iiclr-25065	541	33	transparency	transparency	NOUN
iiclr-25065	541	34	,	,	PUNCT
iiclr-25065	541	35	characteristics	characteristic	VERB
iiclr-25065	541	36	that	that	SCONJ
iiclr-25065	541	37	some	some	DET
iiclr-25065	541	38	regulatory	regulatory	ADJ
iiclr-25065	541	39	redress	redress	NOUN
iiclr-25065	541	40	schemes	scheme	NOUN
iiclr-25065	541	41	lack	lack	VERB
iiclr-25065	541	42	.	.	PUNCT
iiclr-25065	542	1	the	the	DET
iiclr-25065	542	2	schemes	scheme	NOUN
iiclr-25065	542	3	can	can	AUX
iiclr-25065	542	4	set	set	VERB
iiclr-25065	542	5	aside	aside	ADP
iiclr-25065	542	6	hearings	hearing	NOUN
iiclr-25065	542	7	,	,	PUNCT
iiclr-25065	542	8	the	the	DET
iiclr-25065	542	9	publication	publication	NOUN
iiclr-25065	542	10	of	of	ADP
iiclr-25065	542	11	the	the	DET
iiclr-25065	542	12	content	content	NOUN
iiclr-25065	542	13	and	and	CCONJ
iiclr-25065	542	14	documents	document	NOUN
iiclr-25065	542	15	of	of	ADP
iiclr-25065	542	16	files	file	NOUN
iiclr-25065	542	17	,	,	PUNCT
iiclr-25065	542	18	transcripts	transcript	NOUN
iiclr-25065	542	19	of	of	ADP
iiclr-25065	542	20	statements	statement	NOUN
iiclr-25065	542	21	,	,	PUNCT
iiclr-25065	542	22	and	and	CCONJ
iiclr-25065	542	23	rules	rule	NOUN
iiclr-25065	542	24	on	on	ADP
iiclr-25065	542	25	ex	ex	PRON
iiclr-25065	542	26	parte	parte	NOUN
iiclr-25065	542	27	communication	communication	NOUN
iiclr-25065	542	28	.	.	PUNCT
iiclr-25065	543	1	more	more	ADJ
iiclr-25065	543	2	“	"	PUNCT
iiclr-25065	543	3	formal	formal	ADJ
iiclr-25065	543	4	”	"	PUNCT
iiclr-25065	543	5	regulatory	regulatory	ADJ
iiclr-25065	543	6	redress	redress	NOUN
iiclr-25065	543	7	schemes	scheme	NOUN
iiclr-25065	543	8	can	can	AUX
iiclr-25065	543	9	have	have	VERB
iiclr-25065	543	10	more	more	ADJ
iiclr-25065	543	11	procedural	procedural	ADJ
iiclr-25065	543	12	mechanisms	mechanism	NOUN
iiclr-25065	543	13	to	to	PART
iiclr-25065	543	14	enhance	enhance	VERB
iiclr-25065	543	15	transparency	transparency	NOUN
iiclr-25065	543	16	.	.	PUNCT
iiclr-25065	544	1	for	for	ADP
iiclr-25065	544	2	example	example	NOUN
iiclr-25065	544	3	,	,	PUNCT
iiclr-25065	544	4	the	the	DET
iiclr-25065	544	5	fsa	fsa	PROPN
iiclr-25065	544	6	/	/	SYM
iiclr-25065	544	7	fca	fca	PROPN
iiclr-25065	544	8	formalized	formalize	VERB
iiclr-25065	544	9	the	the	DET
iiclr-25065	544	10	u.k	u.k	PROPN
iiclr-25065	544	11	.	.	PROPN
iiclr-25065	544	12	ppi	ppi	PROPN
iiclr-25065	544	13	redress	redress	NOUN
iiclr-25065	544	14	scheme	scheme	NOUN
iiclr-25065	544	15	through	through	ADP
iiclr-25065	544	16	policy	policy	NOUN
iiclr-25065	544	17	statements	statement	NOUN
iiclr-25065	544	18	,	,	PUNCT
iiclr-25065	544	19	revisions	revision	NOUN
iiclr-25065	544	20	of	of	ADP
iiclr-25065	544	21	relevant	relevant	ADJ
iiclr-25065	544	22	sections	section	NOUN
iiclr-25065	544	23	of	of	ADP
iiclr-25065	544	24	the	the	DET
iiclr-25065	544	25	handbook	handbook	NOUN
iiclr-25065	544	26	,	,	PUNCT
iiclr-25065	544	27	and	and	CCONJ
iiclr-25065	544	28	written	write	VERB
iiclr-25065	544	29	guidance	guidance	NOUN
iiclr-25065	544	30	.	.	PUNCT
iiclr-25065	545	1	that	that	SCONJ
iiclr-25065	545	2	the	the	DET
iiclr-25065	545	3	u.k	u.k	PROPN
iiclr-25065	545	4	.	.	PROPN
iiclr-25065	545	5	financial	financial	ADJ
iiclr-25065	545	6	regulators	regulator	NOUN
iiclr-25065	545	7	published	publish	VERB
iiclr-25065	545	8	consultation	consultation	NOUN
iiclr-25065	545	9	papers	paper	NOUN
iiclr-25065	545	10	seeking	seek	VERB
iiclr-25065	545	11	feedback	feedback	NOUN
iiclr-25065	545	12	from	from	ADP
iiclr-25065	545	13	the	the	DET
iiclr-25065	545	14	industry	industry	NOUN
iiclr-25065	545	15	,	,	PUNCT
iiclr-25065	545	16	consumers	consumer	NOUN
iiclr-25065	545	17	,	,	PUNCT
iiclr-25065	545	18	and	and	CCONJ
iiclr-25065	545	19	other	other	ADJ
iiclr-25065	545	20	stakeholders	stakeholder	NOUN
iiclr-25065	545	21	before	before	SCONJ
iiclr-25065	545	22	they	they	PRON
iiclr-25065	545	23	set	set	VERB
iiclr-25065	545	24	forth	forth	ADP
iiclr-25065	545	25	new	new	ADJ
iiclr-25065	545	26	rules	rule	NOUN
iiclr-25065	545	27	shows	show	VERB
iiclr-25065	545	28	a	a	DET
iiclr-25065	545	29	high	high	ADJ
iiclr-25065	545	30	degree	degree	NOUN
iiclr-25065	545	31	of	of	ADP
iiclr-25065	545	32	transparency	transparency	NOUN
iiclr-25065	545	33	and	and	CCONJ
iiclr-25065	545	34	openness	openness	NOUN
iiclr-25065	545	35	regarding	regard	VERB
iiclr-25065	545	36	the	the	DET
iiclr-25065	545	37	rules	rule	NOUN
iiclr-25065	545	38	and	and	CCONJ
iiclr-25065	545	39	procedures	procedure	NOUN
iiclr-25065	545	40	that	that	PRON
iiclr-25065	545	41	they	they	PRON
iiclr-25065	545	42	applied	apply	VERB
iiclr-25065	545	43	to	to	ADP
iiclr-25065	545	44	the	the	DET
iiclr-25065	545	45	ppi	ppi	NOUN
iiclr-25065	545	46	redress	redress	NOUN
iiclr-25065	545	47	scheme	scheme	NOUN
iiclr-25065	545	48	.	.	PUNCT
iiclr-25065	546	1	critics	critic	NOUN
iiclr-25065	546	2	of	of	ADP
iiclr-25065	546	3	the	the	DET
iiclr-25065	546	4	cfpb	cfpb	NOUN
iiclr-25065	546	5	’s	’s	PART
iiclr-25065	546	6	frequent	frequent	ADJ
iiclr-25065	546	7	use	use	NOUN
iiclr-25065	546	8	of	of	ADP
iiclr-25065	546	9	consent	consent	NOUN
iiclr-25065	546	10	orders	order	NOUN
iiclr-25065	546	11	argue	argue	VERB
iiclr-25065	546	12	that	that	SCONJ
iiclr-25065	546	13	it	it	PRON
iiclr-25065	546	14	used	use	VERB
iiclr-25065	546	15	these	these	DET
iiclr-25065	546	16	orders	order	NOUN
iiclr-25065	546	17	as	as	ADP
iiclr-25065	546	18	a	a	DET
iiclr-25065	546	19	way	way	NOUN
iiclr-25065	546	20	to	to	PART
iiclr-25065	546	21	evade	evade	VERB
iiclr-25065	546	22	formal	formal	ADJ
iiclr-25065	546	23	rulemaking	rulemaking	NOUN
iiclr-25065	546	24	,	,	PUNCT
iiclr-25065	546	25	something	something	PRON
iiclr-25065	546	26	that	that	PRON
iiclr-25065	546	27	the	the	DET
iiclr-25065	546	28	cfpa	cfpa	NOUN
iiclr-25065	546	29	allowed	allow	VERB
iiclr-25065	546	30	it	it	PRON
iiclr-25065	546	31	to	to	PART
iiclr-25065	546	32	do.160	do.160	VERB
iiclr-25065	546	33	in	in	ADP
iiclr-25065	546	34	this	this	DET
iiclr-25065	546	35	way	way	NOUN
iiclr-25065	546	36	,	,	PUNCT
iiclr-25065	546	37	however	however	ADV
iiclr-25065	546	38	,	,	PUNCT
iiclr-25065	546	39	the	the	DET
iiclr-25065	546	40	critics	critic	NOUN
iiclr-25065	546	41	argue	argue	VERB
iiclr-25065	546	42	,	,	PUNCT
iiclr-25065	546	43	the	the	DET
iiclr-25065	546	44	cfpb	cfpb	NOUN
iiclr-25065	546	45	deprived	deprive	VERB
iiclr-25065	546	46	companies	company	NOUN
iiclr-25065	546	47	of	of	ADP
iiclr-25065	546	48	fair	fair	ADJ
iiclr-25065	546	49	notice	notice	NOUN
iiclr-25065	546	50	of	of	ADP
iiclr-25065	546	51	prohibited	prohibit	VERB
iiclr-25065	546	52	conduct	conduct	NOUN
iiclr-25065	546	53	161	161	NUM
iiclr-25065	546	54	this	this	DET
iiclr-25065	546	55	claim	claim	NOUN
iiclr-25065	546	56	brings	bring	VERB
iiclr-25065	546	57	to	to	ADP
iiclr-25065	546	58	the	the	DET
iiclr-25065	546	59	fore	fore	NOUN
iiclr-25065	546	60	the	the	DET
iiclr-25065	546	61	necessity	necessity	NOUN
iiclr-25065	546	62	that	that	SCONJ
iiclr-25065	546	63	procedures	procedure	NOUN
iiclr-25065	546	64	for	for	ADP
iiclr-25065	546	65	regulatory	regulatory	ADJ
iiclr-25065	546	66	redress	redress	NOUN
iiclr-25065	546	67	schemes	scheme	NOUN
iiclr-25065	546	68	be	be	VERB
iiclr-25065	546	69	transparent	transparent	ADJ
iiclr-25065	546	70	,	,	PUNCT
iiclr-25065	546	71	so	so	SCONJ
iiclr-25065	546	72	that	that	SCONJ
iiclr-25065	546	73	participating	participate	VERB
iiclr-25065	546	74	parties	party	NOUN
iiclr-25065	546	75	and	and	CCONJ
iiclr-25065	546	76	interested	interested	ADJ
iiclr-25065	546	77	stakeholders	stakeholder	NOUN
iiclr-25065	546	78	can	can	AUX
iiclr-25065	546	79	assess	assess	VERB
iiclr-25065	546	80	the	the	DET
iiclr-25065	546	81	fairness	fairness	NOUN
iiclr-25065	546	82	of	of	ADP
iiclr-25065	546	83	the	the	DET
iiclr-25065	546	84	redress	redress	NOUN
iiclr-25065	546	85	.	.	PUNCT
iiclr-25065	547	1	b.	b.	PROPN
iiclr-25065	547	2	design	design	NOUN
iiclr-25065	547	3	factors	factor	NOUN
iiclr-25065	547	4	with	with	ADP
iiclr-25065	547	5	the	the	DET
iiclr-25065	547	6	basic	basic	ADJ
iiclr-25065	547	7	benchmarks	benchmark	NOUN
iiclr-25065	547	8	of	of	ADP
iiclr-25065	547	9	efficiency	efficiency	NOUN
iiclr-25065	547	10	,	,	PUNCT
iiclr-25065	547	11	fairness	fairness	NOUN
iiclr-25065	547	12	,	,	PUNCT
iiclr-25065	547	13	due	due	ADJ
iiclr-25065	547	14	process	process	NOUN
iiclr-25065	547	15	,	,	PUNCT
iiclr-25065	547	16	transparency	transparency	NOUN
iiclr-25065	547	17	,	,	PUNCT
iiclr-25065	547	18	and	and	CCONJ
iiclr-25065	547	19	openness	openness	NOUN
iiclr-25065	547	20	in	in	ADP
iiclr-25065	547	21	mind	mind	NOUN
iiclr-25065	547	22	,	,	PUNCT
iiclr-25065	547	23	we	we	PRON
iiclr-25065	547	24	now	now	ADV
iiclr-25065	547	25	turn	turn	VERB
iiclr-25065	547	26	to	to	ADP
iiclr-25065	547	27	the	the	DET
iiclr-25065	547	28	policy	policy	NOUN
iiclr-25065	547	29	decisions	decision	NOUN
iiclr-25065	547	30	involved	involve	VERB
iiclr-25065	547	31	in	in	ADP
iiclr-25065	547	32	designing	design	VERB
iiclr-25065	547	33	a	a	DET
iiclr-25065	547	34	specific	specific	ADJ
iiclr-25065	547	35	regulatory	regulatory	ADJ
iiclr-25065	547	36	redress	redress	NOUN
iiclr-25065	547	37	scheme	scheme	NOUN
iiclr-25065	547	38	.	.	PUNCT
iiclr-25065	548	1	a.	a.	NOUN
iiclr-25065	548	2	ceiling	ceiling	NOUN
iiclr-25065	548	3	amount	amount	NOUN
iiclr-25065	548	4	or	or	CCONJ
iiclr-25065	548	5	threshold	threshold	NOUN
iiclr-25065	548	6	issues	issue	NOUN
iiclr-25065	548	7	first	first	ADV
iiclr-25065	548	8	,	,	PUNCT
iiclr-25065	548	9	we	we	PRON
iiclr-25065	548	10	need	need	VERB
iiclr-25065	548	11	to	to	PART
iiclr-25065	548	12	identify	identify	VERB
iiclr-25065	548	13	the	the	DET
iiclr-25065	548	14	extent	extent	NOUN
iiclr-25065	548	15	of	of	ADP
iiclr-25065	548	16	the	the	DET
iiclr-25065	548	17	need	need	NOUN
iiclr-25065	548	18	for	for	ADP
iiclr-25065	548	19	mass	mass	ADJ
iiclr-25065	548	20	redress	redress	NOUN
iiclr-25065	548	21	and	and	CCONJ
iiclr-25065	548	22	whether	whether	SCONJ
iiclr-25065	548	23	there	there	PRON
iiclr-25065	548	24	should	should	AUX
iiclr-25065	548	25	be	be	AUX
iiclr-25065	548	26	a	a	DET
iiclr-25065	548	27	ceiling	ceiling	NOUN
iiclr-25065	548	28	amount	amount	NOUN
iiclr-25065	548	29	of	of	ADP
iiclr-25065	548	30	compensation	compensation	NOUN
iiclr-25065	548	31	that	that	PRON
iiclr-25065	548	32	can	can	AUX
iiclr-25065	548	33	be	be	AUX
iiclr-25065	548	34	awarded	award	VERB
iiclr-25065	548	35	via	via	ADP
iiclr-25065	548	36	regulatory	regulatory	ADJ
iiclr-25065	548	37	redress	redress	NOUN
iiclr-25065	548	38	schemes	scheme	NOUN
iiclr-25065	548	39	.	.	PUNCT
iiclr-25065	549	1	regulatory	regulatory	ADJ
iiclr-25065	549	2	mass	mass	NOUN
iiclr-25065	549	3	redress	redress	NOUN
iiclr-25065	549	4	schemes	scheme	NOUN
iiclr-25065	549	5	are	be	AUX
iiclr-25065	549	6	most	most	ADV
iiclr-25065	549	7	effective	effective	ADJ
iiclr-25065	549	8	for	for	ADP
iiclr-25065	549	9	low	low	ADJ
iiclr-25065	549	10	-	-	PUNCT
iiclr-25065	549	11	value	value	NOUN
iiclr-25065	549	12	claims	claim	NOUN
iiclr-25065	549	13	because	because	SCONJ
iiclr-25065	549	14	consumers	consumer	NOUN
iiclr-25065	549	15	are	be	AUX
iiclr-25065	549	16	less	less	ADV
iiclr-25065	549	17	likely	likely	ADJ
iiclr-25065	549	18	to	to	PART
iiclr-25065	549	19	seek	seek	VERB
iiclr-25065	549	20	redress	redress	NOUN
iiclr-25065	549	21	for	for	ADP
iiclr-25065	549	22	them	they	PRON
iiclr-25065	549	23	in	in	ADP
iiclr-25065	549	24	court	court	NOUN
iiclr-25065	549	25	(	(	PUNCT
iiclr-25065	549	26	while	while	SCONJ
iiclr-25065	549	27	there	there	PRON
iiclr-25065	549	28	is	be	VERB
iiclr-25065	549	29	an	an	DET
iiclr-25065	549	30	increased	increase	VERB
iiclr-25065	549	31	chance	chance	NOUN
iiclr-25065	549	32	that	that	SCONJ
iiclr-25065	549	33	they	they	PRON
iiclr-25065	549	34	will	will	AUX
iiclr-25065	549	35	do	do	AUX
iiclr-25065	549	36	so	so	ADV
iiclr-25065	549	37	for	for	ADP
iiclr-25065	549	38	high	high	ADJ
iiclr-25065	549	39	-	-	PUNCT
iiclr-25065	549	40	value	value	NOUN
iiclr-25065	549	41	claims	claim	NOUN
iiclr-25065	549	42	)	)	PUNCT
iiclr-25065	549	43	.	.	PUNCT
iiclr-25065	550	1	the	the	PRON
iiclr-25065	550	2	higher	high	ADJ
iiclr-25065	550	3	the	the	DET
iiclr-25065	550	4	stakes	stake	NOUN
iiclr-25065	550	5	in	in	ADP
iiclr-25065	550	6	individual	individual	ADJ
iiclr-25065	550	7	cases	case	NOUN
iiclr-25065	550	8	,	,	PUNCT
iiclr-25065	550	9	the	the	PRON
iiclr-25065	550	10	greater	great	ADJ
iiclr-25065	550	11	the	the	DET
iiclr-25065	550	12	necessity	necessity	NOUN
iiclr-25065	550	13	for	for	ADP
iiclr-25065	550	14	a	a	DET
iiclr-25065	550	15	fair	fair	ADJ
iiclr-25065	550	16	trial	trial	NOUN
iiclr-25065	550	17	,	,	PUNCT
iiclr-25065	550	18	judicial	judicial	ADJ
iiclr-25065	550	19	consideration	consideration	NOUN
iiclr-25065	550	20	of	of	ADP
iiclr-25065	550	21	the	the	DET
iiclr-25065	550	22	evidence	evidence	NOUN
iiclr-25065	550	23	,	,	PUNCT
iiclr-25065	550	24	and	and	CCONJ
iiclr-25065	550	25	the	the	DET
iiclr-25065	550	26	application	application	NOUN
iiclr-25065	550	27	and	and	CCONJ
iiclr-25065	550	28	interpretation	interpretation	NOUN
iiclr-25065	550	29	of	of	ADP
iiclr-25065	550	30	the	the	DET
iiclr-25065	550	31	law	law	NOUN
iiclr-25065	550	32	.	.	PUNCT
iiclr-25065	551	1	voluntary	voluntary	ADJ
iiclr-25065	551	2	redress	redress	NOUN
iiclr-25065	551	3	or	or	CCONJ
iiclr-25065	551	4	“	"	PUNCT
iiclr-25065	551	5	soft	soft	ADJ
iiclr-25065	551	6	”	"	PUNCT
iiclr-25065	551	7	regulatory	regulatory	ADJ
iiclr-25065	551	8	redress	redress	NOUN
iiclr-25065	551	9	(	(	PUNCT
iiclr-25065	551	10	such	such	ADJ
iiclr-25065	551	11	as	as	ADP
iiclr-25065	551	12	administrative	administrative	ADJ
iiclr-25065	551	13	advice	advice	NOUN
iiclr-25065	551	14	or	or	CCONJ
iiclr-25065	551	15	inducement	inducement	NOUN
iiclr-25065	551	16	)	)	PUNCT
iiclr-25065	551	17	becomes	become	VERB
iiclr-25065	551	18	less	less	ADV
iiclr-25065	551	19	likely	likely	ADJ
iiclr-25065	551	20	in	in	ADP
iiclr-25065	551	21	high	high	ADJ
iiclr-25065	551	22	-	-	PUNCT
iiclr-25065	551	23	value	value	NOUN
iiclr-25065	551	24	cases	case	NOUN
iiclr-25065	551	25	where	where	SCONJ
iiclr-25065	551	26	regulated	regulated	ADJ
iiclr-25065	551	27	entities	entity	NOUN
iiclr-25065	551	28	are	be	AUX
iiclr-25065	551	29	unlikely	unlikely	ADJ
iiclr-25065	551	30	to	to	PART
iiclr-25065	551	31	settle.162	settle.162	VERB
iiclr-25065	551	32	160	160	NUM
iiclr-25065	551	33	.	.	PUNCT
iiclr-25065	552	1	see	see	VERB
iiclr-25065	552	2	12	12	NUM
iiclr-25065	552	3	u.s.c	u.s.c	ADJ
iiclr-25065	552	4	.	.	PUNCT
iiclr-25065	553	1	§	§	PROPN
iiclr-25065	553	2	5531(b	5531(b	PROPN
iiclr-25065	553	3	)	)	PUNCT
iiclr-25065	553	4	(	(	PUNCT
iiclr-25065	553	5	2010	2010	NUM
iiclr-25065	553	6	)	)	PUNCT
iiclr-25065	553	7	.	.	PUNCT
iiclr-25065	554	1	mcdonald	mcdonald	PROPN
iiclr-25065	554	2	,	,	PUNCT
iiclr-25065	554	3	supra	supra	PROPN
iiclr-25065	554	4	note	note	NOUN
iiclr-25065	554	5	91	91	NUM
iiclr-25065	554	6	.	.	PUNCT
iiclr-25065	554	7	161	161	NUM
iiclr-25065	554	8	.	.	PUNCT
iiclr-25065	555	1	jackman	jackman	PROPN
iiclr-25065	555	2	&	&	CCONJ
iiclr-25065	555	3	delnero	delnero	PROPN
iiclr-25065	555	4	,	,	PUNCT
iiclr-25065	555	5	supra	supra	PROPN
iiclr-25065	555	6	note	note	NOUN
iiclr-25065	555	7	125	125	NUM
iiclr-25065	555	8	.	.	PUNCT
iiclr-25065	555	9	162	162	NUM
iiclr-25065	555	10	.	.	PUNCT
iiclr-25065	556	1	see	see	VERB
iiclr-25065	556	2	park	park	PROPN
iiclr-25065	556	3	-	-	PUNCT
iiclr-25065	556	4	eun	eun	PROPN
iiclr-25065	556	5	jee	jee	PROPN
iiclr-25065	556	6	,	,	PUNCT
iiclr-25065	556	7	samsung	samsung	PROPN
iiclr-25065	556	8	life	life	NOUN
iiclr-25065	556	9	defies	defy	VERB
iiclr-25065	556	10	fss	fss	ADJ
iiclr-25065	556	11	,	,	PUNCT
iiclr-25065	556	12	sues	sue	NOUN
iiclr-25065	556	13	policyholder	policyholder	PROPN
iiclr-25065	556	14	,	,	PUNCT
iiclr-25065	556	15	korea	korea	PROPN
iiclr-25065	556	16	joongang	joongang	PROPN
iiclr-25065	556	17	daily	daily	PROPN
iiclr-25065	556	18	(	(	PUNCT
iiclr-25065	556	19	aug	aug	PROPN
iiclr-25065	556	20	.	.	PROPN
iiclr-25065	556	21	14	14	NUM
iiclr-25065	556	22	,	,	PUNCT
iiclr-25065	556	23	2018	2018	NUM
iiclr-25065	556	24	)	)	PUNCT
iiclr-25065	556	25	,	,	PUNCT
iiclr-25065	556	26	http://koreajoongangdaily.joins.com/news/article/article.aspx?aid=	http://koreajoongangdaily.joins.com/news/article/article.aspx?aid=	NOUN
iiclr-25065	556	27	3051875	3051875	NUM
iiclr-25065	557	1	[	[	X
iiclr-25065	557	2	https://perma.cc/v3jr-rxkt	https://perma.cc/v3jr-rxkt	X
iiclr-25065	557	3	]	]	PUNCT
iiclr-25065	557	4	.	.	PUNCT
iiclr-25065	558	1	in	in	ADP
iiclr-25065	558	2	this	this	DET
iiclr-25065	558	3	case	case	NOUN
iiclr-25065	558	4	the	the	DET
iiclr-25065	558	5	fss	fss	NOUN
iiclr-25065	558	6	attempted	attempt	VERB
iiclr-25065	558	7	to	to	PART
iiclr-25065	558	8	impose	impose	VERB
iiclr-25065	558	9	a	a	DET
iiclr-25065	558	10	voluntary	voluntary	ADJ
iiclr-25065	558	11	redress	redress	NOUN
iiclr-25065	558	12	scheme	scheme	NOUN
iiclr-25065	558	13	,	,	PUNCT
iiclr-25065	558	14	but	but	CCONJ
iiclr-25065	558	15	the	the	DET
iiclr-25065	558	16	redress	redress	NOUN
iiclr-25065	558	17	amount	amount	NOUN
iiclr-25065	558	18	per	per	ADP
iiclr-25065	558	19	consumer	consumer	NOUN
iiclr-25065	558	20	that	that	PRON
iiclr-25065	558	21	it	it	PRON
iiclr-25065	558	22	determined	determine	VERB
iiclr-25065	558	23	was	be	AUX
iiclr-25065	558	24	ten	ten	NUM
iiclr-25065	558	25	times	time	NOUN
iiclr-25065	558	26	more	more	ADJ
iiclr-25065	558	27	than	than	ADP
iiclr-25065	558	28	the	the	DET
iiclr-25065	558	29	amount	amount	NOUN
iiclr-25065	558	30	that	that	PRON
iiclr-25065	558	31	regulated	regulated	ADJ
iiclr-25065	558	32	entity	entity	NOUN
iiclr-25065	558	33	believed	believe	VERB
iiclr-25065	558	34	appropriate	appropriate	ADJ
iiclr-25065	558	35	.	.	PUNCT
iiclr-25065	559	1	the	the	DET
iiclr-25065	559	2	large	large	ADJ
iiclr-25065	559	3	amount	amount	NOUN
iiclr-25065	559	4	at	at	ADP
iiclr-25065	559	5	stake	stake	NOUN
iiclr-25065	559	6	and	and	CCONJ
iiclr-25065	559	7	the	the	DET
iiclr-25065	559	8	indiana	indiana	PROPN
iiclr-25065	559	9	int’l	int’l	NOUN
iiclr-25065	559	10	&	&	CCONJ
iiclr-25065	559	11	comp	comp	PROPN
iiclr-25065	559	12	.	.	PUNCT
iiclr-25065	560	1	law	law	NOUN
iiclr-25065	560	2	review	review	NOUN
iiclr-25065	561	1	[	[	X
iiclr-25065	561	2	vol	vol	NOUN
iiclr-25065	561	3	.	.	PROPN
iiclr-25065	561	4	30:99	30:99	NUM
iiclr-25065	561	5	124	124	NUM
iiclr-25065	561	6	b.	b.	NOUN
iiclr-25065	561	7	the	the	DET
iiclr-25065	561	8	right	right	NOUN
iiclr-25065	561	9	to	to	PART
iiclr-25065	561	10	appeal	appeal	VERB
iiclr-25065	561	11	and	and	CCONJ
iiclr-25065	561	12	court	court	NOUN
iiclr-25065	561	13	participation	participation	NOUN
iiclr-25065	561	14	another	another	DET
iiclr-25065	561	15	policy	policy	NOUN
iiclr-25065	561	16	option	option	NOUN
iiclr-25065	561	17	is	be	AUX
iiclr-25065	561	18	to	to	PART
iiclr-25065	561	19	determine	determine	VERB
iiclr-25065	561	20	the	the	DET
iiclr-25065	561	21	degree	degree	NOUN
iiclr-25065	561	22	to	to	PART
iiclr-25065	561	23	which	which	PRON
iiclr-25065	561	24	the	the	DET
iiclr-25065	561	25	regulated	regulated	ADJ
iiclr-25065	561	26	entity	entity	NOUN
iiclr-25065	561	27	should	should	AUX
iiclr-25065	561	28	be	be	AUX
iiclr-25065	561	29	allowed	allow	VERB
iiclr-25065	561	30	to	to	PART
iiclr-25065	561	31	appeal	appeal	VERB
iiclr-25065	561	32	or	or	CCONJ
iiclr-25065	561	33	whether	whether	SCONJ
iiclr-25065	561	34	a	a	DET
iiclr-25065	561	35	court	court	NOUN
iiclr-25065	561	36	action	action	NOUN
iiclr-25065	561	37	is	be	AUX
iiclr-25065	561	38	required	require	VERB
iiclr-25065	561	39	to	to	PART
iiclr-25065	561	40	complete	complete	VERB
iiclr-25065	561	41	the	the	DET
iiclr-25065	561	42	redress	redress	NOUN
iiclr-25065	561	43	.	.	PUNCT
iiclr-25065	562	1	by	by	ADP
iiclr-25065	562	2	definition	definition	NOUN
iiclr-25065	562	3	,	,	PUNCT
iiclr-25065	562	4	in	in	ADP
iiclr-25065	562	5	a	a	DET
iiclr-25065	562	6	voluntary	voluntary	ADJ
iiclr-25065	562	7	redress	redress	NOUN
iiclr-25065	562	8	scheme	scheme	NOUN
iiclr-25065	562	9	(	(	PUNCT
iiclr-25065	562	10	i.e.	i.e.	X
iiclr-25065	562	11	,	,	PUNCT
iiclr-25065	562	12	a	a	DET
iiclr-25065	562	13	consent	consent	NOUN
iiclr-25065	562	14	order	order	NOUN
iiclr-25065	562	15	)	)	PUNCT
iiclr-25065	562	16	the	the	DET
iiclr-25065	562	17	regulated	regulated	ADJ
iiclr-25065	562	18	entity	entity	NOUN
iiclr-25065	562	19	agrees	agree	VERB
iiclr-25065	562	20	to	to	PART
iiclr-25065	562	21	forgo	forgo	VERB
iiclr-25065	562	22	judicial	judicial	ADJ
iiclr-25065	562	23	review	review	NOUN
iiclr-25065	562	24	.	.	PUNCT
iiclr-25065	563	1	however	however	ADV
iiclr-25065	563	2	,	,	PUNCT
iiclr-25065	563	3	a	a	DET
iiclr-25065	563	4	mandatory	mandatory	ADJ
iiclr-25065	563	5	framework	framework	NOUN
iiclr-25065	563	6	,	,	PUNCT
iiclr-25065	563	7	where	where	SCONJ
iiclr-25065	563	8	a	a	DET
iiclr-25065	563	9	public	public	ADJ
iiclr-25065	563	10	authority	authority	NOUN
iiclr-25065	563	11	can	can	AUX
iiclr-25065	563	12	coerce	coerce	VERB
iiclr-25065	563	13	a	a	DET
iiclr-25065	563	14	redress	redress	NOUN
iiclr-25065	563	15	scheme	scheme	NOUN
iiclr-25065	563	16	,	,	PUNCT
iiclr-25065	563	17	raises	raise	VERB
iiclr-25065	563	18	constitutional	constitutional	ADJ
iiclr-25065	563	19	issues	issue	NOUN
iiclr-25065	563	20	of	of	ADP
iiclr-25065	563	21	the	the	DET
iiclr-25065	563	22	right	right	NOUN
iiclr-25065	563	23	to	to	PART
iiclr-25065	563	24	appeal	appeal	VERB
iiclr-25065	563	25	and	and	CCONJ
iiclr-25065	563	26	the	the	DET
iiclr-25065	563	27	right	right	NOUN
iiclr-25065	563	28	to	to	PART
iiclr-25065	563	29	be	be	AUX
iiclr-25065	563	30	heard.163	heard.163	PROPN
iiclr-25065	563	31	a	a	DET
iiclr-25065	563	32	middle	middle	ADJ
iiclr-25065	563	33	ground	ground	NOUN
iiclr-25065	563	34	arrangement	arrangement	NOUN
iiclr-25065	563	35	could	could	AUX
iiclr-25065	563	36	be	be	AUX
iiclr-25065	563	37	a	a	DET
iiclr-25065	563	38	model	model	NOUN
iiclr-25065	563	39	where	where	SCONJ
iiclr-25065	563	40	administrative	administrative	ADJ
iiclr-25065	563	41	authorities	authority	NOUN
iiclr-25065	563	42	can	can	AUX
iiclr-25065	563	43	bring	bring	VERB
iiclr-25065	563	44	a	a	DET
iiclr-25065	563	45	case	case	NOUN
iiclr-25065	563	46	to	to	ADP
iiclr-25065	563	47	court	court	NOUN
iiclr-25065	563	48	to	to	PART
iiclr-25065	563	49	seek	seek	VERB
iiclr-25065	563	50	collective	collective	ADJ
iiclr-25065	563	51	redress	redress	NOUN
iiclr-25065	563	52	(	(	PUNCT
iiclr-25065	563	53	here	here	ADV
iiclr-25065	563	54	it	it	PRON
iiclr-25065	563	55	is	be	AUX
iiclr-25065	563	56	the	the	DET
iiclr-25065	563	57	regulators	regulator	NOUN
iiclr-25065	563	58	who	who	PRON
iiclr-25065	563	59	initiate	initiate	VERB
iiclr-25065	563	60	the	the	DET
iiclr-25065	563	61	regulatory	regulatory	ADJ
iiclr-25065	563	62	actions	action	NOUN
iiclr-25065	563	63	for	for	ADP
iiclr-25065	563	64	redress	redress	NOUN
iiclr-25065	563	65	)	)	PUNCT
iiclr-25065	563	66	,	,	PUNCT
iiclr-25065	563	67	but	but	CCONJ
iiclr-25065	563	68	where	where	SCONJ
iiclr-25065	563	69	the	the	DET
iiclr-25065	563	70	court	court	NOUN
iiclr-25065	563	71	ultimately	ultimately	ADV
iiclr-25065	563	72	determines	determine	VERB
iiclr-25065	563	73	the	the	DET
iiclr-25065	563	74	extent	extent	NOUN
iiclr-25065	563	75	or	or	CCONJ
iiclr-25065	563	76	format	format	NOUN
iiclr-25065	563	77	of	of	ADP
iiclr-25065	563	78	any	any	DET
iiclr-25065	563	79	redress.164	redress.164	NOUN
iiclr-25065	563	80	c.	c.	NOUN
iiclr-25065	563	81	how	how	SCONJ
iiclr-25065	563	82	to	to	PART
iiclr-25065	563	83	reach	reach	VERB
iiclr-25065	563	84	out	out	ADP
iiclr-25065	563	85	to	to	ADP
iiclr-25065	563	86	consumers	consumer	NOUN
iiclr-25065	563	87	a	a	DET
iiclr-25065	563	88	recurring	recur	VERB
iiclr-25065	563	89	theme	theme	NOUN
iiclr-25065	563	90	in	in	ADP
iiclr-25065	563	91	collective	collective	ADJ
iiclr-25065	563	92	action	action	NOUN
iiclr-25065	563	93	is	be	AUX
iiclr-25065	563	94	to	to	ADP
iiclr-25065	563	95	how	how	SCONJ
iiclr-25065	563	96	to	to	PART
iiclr-25065	563	97	determine	determine	VERB
iiclr-25065	563	98	the	the	DET
iiclr-25065	563	99	class	class	NOUN
iiclr-25065	563	100	;	;	PUNCT
iiclr-25065	563	101	that	that	PRON
iiclr-25065	563	102	is	is	ADV
iiclr-25065	563	103	,	,	PUNCT
iiclr-25065	563	104	should	should	AUX
iiclr-25065	563	105	it	it	PRON
iiclr-25065	563	106	be	be	AUX
iiclr-25065	563	107	an	an	DET
iiclr-25065	563	108	opt	opt	NOUN
iiclr-25065	563	109	-	-	PUNCT
iiclr-25065	563	110	in	in	NOUN
iiclr-25065	563	111	,	,	PUNCT
iiclr-25065	563	112	where	where	SCONJ
iiclr-25065	563	113	a	a	DET
iiclr-25065	563	114	class	class	NOUN
iiclr-25065	563	115	member	member	NOUN
iiclr-25065	563	116	needs	need	VERB
iiclr-25065	563	117	to	to	PART
iiclr-25065	563	118	take	take	VERB
iiclr-25065	563	119	affirmative	affirmative	ADJ
iiclr-25065	563	120	action	action	NOUN
iiclr-25065	563	121	to	to	PART
iiclr-25065	563	122	be	be	AUX
iiclr-25065	563	123	included	include	VERB
iiclr-25065	563	124	in	in	ADP
iiclr-25065	563	125	the	the	DET
iiclr-25065	563	126	group	group	NOUN
iiclr-25065	563	127	,	,	PUNCT
iiclr-25065	563	128	or	or	CCONJ
iiclr-25065	563	129	an	an	DET
iiclr-25065	563	130	opt	opt	NOUN
iiclr-25065	563	131	-	-	PUNCT
iiclr-25065	563	132	out	out	NOUN
iiclr-25065	563	133	,	,	PUNCT
iiclr-25065	563	134	where	where	SCONJ
iiclr-25065	563	135	a	a	DET
iiclr-25065	563	136	customer	customer	NOUN
iiclr-25065	563	137	need	need	AUX
iiclr-25065	563	138	do	do	VERB
iiclr-25065	563	139	nothing	nothing	PRON
iiclr-25065	563	140	at	at	ADV
iiclr-25065	563	141	all	all	ADV
iiclr-25065	563	142	in	in	ADP
iiclr-25065	563	143	order	order	NOUN
iiclr-25065	563	144	to	to	PART
iiclr-25065	563	145	part	part	NOUN
iiclr-25065	563	146	of	of	ADP
iiclr-25065	563	147	the	the	DET
iiclr-25065	563	148	final	final	ADJ
iiclr-25065	563	149	outcome	outcome	NOUN
iiclr-25065	563	150	.	.	PUNCT
iiclr-25065	564	1	a	a	DET
iiclr-25065	564	2	similar	similar	ADJ
iiclr-25065	564	3	policy	policy	NOUN
iiclr-25065	564	4	choice	choice	NOUN
iiclr-25065	564	5	in	in	ADP
iiclr-25065	564	6	regulatory	regulatory	ADJ
iiclr-25065	564	7	redress	redress	NOUN
iiclr-25065	564	8	schemes	scheme	NOUN
iiclr-25065	564	9	is	be	AUX
iiclr-25065	564	10	to	to	PART
iiclr-25065	564	11	determine	determine	VERB
iiclr-25065	564	12	whether	whether	SCONJ
iiclr-25065	564	13	consumers	consumer	NOUN
iiclr-25065	564	14	must	must	AUX
iiclr-25065	564	15	file	file	VERB
iiclr-25065	564	16	a	a	DET
iiclr-25065	564	17	complaint	complaint	NOUN
iiclr-25065	564	18	or	or	CCONJ
iiclr-25065	564	19	take	take	VERB
iiclr-25065	564	20	action	action	NOUN
iiclr-25065	564	21	to	to	PART
iiclr-25065	564	22	receive	receive	VERB
iiclr-25065	564	23	restitution	restitution	NOUN
iiclr-25065	564	24	(	(	PUNCT
iiclr-25065	564	25	as	as	ADP
iiclr-25065	564	26	in	in	ADP
iiclr-25065	564	27	the	the	DET
iiclr-25065	564	28	u.k	u.k	PROPN
iiclr-25065	564	29	.	.	PROPN
iiclr-25065	564	30	ppi	ppi	PROPN
iiclr-25065	564	31	redress	redress	NOUN
iiclr-25065	564	32	case	case	NOUN
iiclr-25065	564	33	)	)	PUNCT
iiclr-25065	564	34	or	or	CCONJ
iiclr-25065	564	35	whether	whether	SCONJ
iiclr-25065	564	36	the	the	DET
iiclr-25065	564	37	redress	redress	NOUN
iiclr-25065	564	38	is	be	AUX
iiclr-25065	564	39	“	"	PUNCT
iiclr-25065	564	40	automatic	automatic	ADJ
iiclr-25065	564	41	,	,	PUNCT
iiclr-25065	564	42	”	"	PUNCT
iiclr-25065	564	43	so	so	SCONJ
iiclr-25065	564	44	that	that	SCONJ
iiclr-25065	564	45	consumers	consumer	NOUN
iiclr-25065	564	46	automatically	automatically	ADV
iiclr-25065	564	47	receive	receive	VERB
iiclr-25065	564	48	payments	payment	NOUN
iiclr-25065	564	49	through	through	ADP
iiclr-25065	564	50	their	their	PRON
iiclr-25065	564	51	bank	bank	NOUN
iiclr-25065	564	52	accounts	account	NOUN
iiclr-25065	564	53	or	or	CCONJ
iiclr-25065	564	54	mailed	mail	VERB
iiclr-25065	564	55	checks	check	NOUN
iiclr-25065	564	56	(	(	PUNCT
iiclr-25065	564	57	as	as	ADP
iiclr-25065	564	58	in	in	ADP
iiclr-25065	564	59	the	the	DET
iiclr-25065	564	60	u.s	u.s	PROPN
iiclr-25065	564	61	.	.	PROPN
iiclr-25065	564	62	cfpb	cfpb	PROPN
iiclr-25065	564	63	consent	consent	NOUN
iiclr-25065	564	64	order	order	NOUN
iiclr-25065	564	65	)	)	PUNCT
iiclr-25065	564	66	.	.	PUNCT
iiclr-25065	565	1	if	if	SCONJ
iiclr-25065	565	2	the	the	DET
iiclr-25065	565	3	scheme	scheme	NOUN
iiclr-25065	565	4	requires	require	VERB
iiclr-25065	565	5	consumers	consumer	NOUN
iiclr-25065	565	6	to	to	PART
iiclr-25065	565	7	take	take	VERB
iiclr-25065	565	8	action	action	NOUN
iiclr-25065	565	9	in	in	ADP
iiclr-25065	565	10	order	order	NOUN
iiclr-25065	565	11	to	to	PART
iiclr-25065	565	12	receive	receive	VERB
iiclr-25065	565	13	refunds	refund	NOUN
iiclr-25065	565	14	,	,	PUNCT
iiclr-25065	565	15	authorities	authority	NOUN
iiclr-25065	565	16	must	must	AUX
iiclr-25065	565	17	implement	implement	VERB
iiclr-25065	565	18	sufficient	sufficient	ADJ
iiclr-25065	565	19	measures	measure	NOUN
iiclr-25065	565	20	to	to	PART
iiclr-25065	565	21	ensure	ensure	VERB
iiclr-25065	565	22	that	that	SCONJ
iiclr-25065	565	23	the	the	DET
iiclr-25065	565	24	members	member	NOUN
iiclr-25065	565	25	of	of	ADP
iiclr-25065	565	26	the	the	DET
iiclr-25065	565	27	relevant	relevant	ADJ
iiclr-25065	565	28	“	"	PUNCT
iiclr-25065	565	29	class	class	NOUN
iiclr-25065	565	30	”	"	PUNCT
iiclr-25065	565	31	are	be	AUX
iiclr-25065	565	32	aware	aware	ADJ
iiclr-25065	565	33	of	of	ADP
iiclr-25065	565	34	the	the	DET
iiclr-25065	565	35	possibility	possibility	NOUN
iiclr-25065	565	36	of	of	ADP
iiclr-25065	565	37	harm.165	harm.165	PROPN
iiclr-25065	565	38	thus	thus	ADV
iiclr-25065	565	39	,	,	PUNCT
iiclr-25065	565	40	there	there	PRON
iiclr-25065	565	41	is	be	VERB
iiclr-25065	565	42	a	a	DET
iiclr-25065	565	43	necessary	necessary	ADJ
iiclr-25065	565	44	policy	policy	NOUN
iiclr-25065	565	45	choice	choice	NOUN
iiclr-25065	565	46	between	between	ADP
iiclr-25065	565	47	the	the	DET
iiclr-25065	565	48	“	"	PUNCT
iiclr-25065	565	49	automatic	automatic	ADJ
iiclr-25065	565	50	”	"	PUNCT
iiclr-25065	565	51	payment	payment	NOUN
iiclr-25065	565	52	method	method	NOUN
iiclr-25065	565	53	(	(	PUNCT
iiclr-25065	565	54	consumers	consumer	NOUN
iiclr-25065	565	55	need	need	AUX
iiclr-25065	565	56	not	not	PART
iiclr-25065	565	57	take	take	VERB
iiclr-25065	565	58	action	action	NOUN
iiclr-25065	565	59	for	for	ADP
iiclr-25065	565	60	redress	redress	NOUN
iiclr-25065	565	61	)	)	PUNCT
iiclr-25065	565	62	and	and	CCONJ
iiclr-25065	565	63	the	the	DET
iiclr-25065	565	64	“	"	PUNCT
iiclr-25065	565	65	opt	opt	VERB
iiclr-25065	565	66	-	-	PUNCT
iiclr-25065	565	67	in	in	ADP
iiclr-25065	565	68	”	"	PUNCT
iiclr-25065	565	69	payment	payment	NOUN
iiclr-25065	565	70	method	method	NOUN
iiclr-25065	565	71	(	(	PUNCT
iiclr-25065	565	72	in	in	ADP
iiclr-25065	565	73	which	which	PRON
iiclr-25065	565	74	consumers	consumer	NOUN
iiclr-25065	565	75	must	must	AUX
iiclr-25065	565	76	file	file	VERB
iiclr-25065	565	77	a	a	DET
iiclr-25065	565	78	complaint	complaint	NOUN
iiclr-25065	565	79	with	with	ADP
iiclr-25065	565	80	the	the	DET
iiclr-25065	565	81	firm	firm	ADJ
iiclr-25065	565	82	or	or	CCONJ
iiclr-25065	565	83	relevant	relevant	ADJ
iiclr-25065	565	84	authorities	authority	NOUN
iiclr-25065	565	85	in	in	ADP
iiclr-25065	565	86	order	order	NOUN
iiclr-25065	565	87	to	to	PART
iiclr-25065	565	88	receive	receive	VERB
iiclr-25065	565	89	payment	payment	NOUN
iiclr-25065	565	90	)	)	PUNCT
iiclr-25065	565	91	.	.	PUNCT
iiclr-25065	566	1	d.	d.	PROPN
iiclr-25065	566	2	the	the	DET
iiclr-25065	566	3	degree	degree	NOUN
iiclr-25065	566	4	of	of	ADP
iiclr-25065	566	5	autonomy	autonomy	NOUN
iiclr-25065	566	6	or	or	CCONJ
iiclr-25065	566	7	self	self	NOUN
iiclr-25065	566	8	-	-	PUNCT
iiclr-25065	566	9	regulation	regulation	NOUN
iiclr-25065	566	10	of	of	ADP
iiclr-25065	566	11	the	the	DET
iiclr-25065	566	12	regulated	regulated	ADJ
iiclr-25065	566	13	entity	entity	NOUN
iiclr-25065	566	14	a	a	DET
iiclr-25065	566	15	final	final	ADJ
iiclr-25065	566	16	policy	policy	NOUN
iiclr-25065	566	17	decision	decision	NOUN
iiclr-25065	566	18	concerns	concern	VERB
iiclr-25065	566	19	the	the	DET
iiclr-25065	566	20	degree	degree	NOUN
iiclr-25065	566	21	of	of	ADP
iiclr-25065	566	22	the	the	DET
iiclr-25065	566	23	financial	financial	ADJ
iiclr-25065	566	24	companies	company	NOUN
iiclr-25065	566	25	’	’	PART
iiclr-25065	566	26	discretion	discretion	NOUN
iiclr-25065	566	27	in	in	ADP
iiclr-25065	566	28	administering	administer	VERB
iiclr-25065	566	29	regulatory	regulatory	ADJ
iiclr-25065	566	30	redress	redress	NOUN
iiclr-25065	566	31	schemes	scheme	NOUN
iiclr-25065	566	32	.	.	PUNCT
iiclr-25065	567	1	even	even	ADV
iiclr-25065	567	2	when	when	SCONJ
iiclr-25065	567	3	authorities	authority	NOUN
iiclr-25065	567	4	differences	difference	VERB
iiclr-25065	567	5	in	in	ADP
iiclr-25065	567	6	legal	legal	ADJ
iiclr-25065	567	7	interpretation	interpretation	NOUN
iiclr-25065	567	8	of	of	ADP
iiclr-25065	567	9	the	the	DET
iiclr-25065	567	10	terms	term	NOUN
iiclr-25065	567	11	and	and	CCONJ
iiclr-25065	567	12	conditions	condition	NOUN
iiclr-25065	567	13	of	of	ADP
iiclr-25065	567	14	the	the	DET
iiclr-25065	567	15	insurance	insurance	NOUN
iiclr-25065	567	16	contract	contract	NOUN
iiclr-25065	567	17	contributed	contribute	VERB
iiclr-25065	567	18	to	to	ADP
iiclr-25065	567	19	the	the	DET
iiclr-25065	567	20	lawsuit	lawsuit	NOUN
iiclr-25065	567	21	.	.	PUNCT
iiclr-25065	568	1	163	163	NUM
iiclr-25065	568	2	.	.	PUNCT
iiclr-25065	569	1	see	see	VERB
iiclr-25065	569	2	hodges	hodge	NOUN
iiclr-25065	569	3	,	,	PUNCT
iiclr-25065	569	4	supra	supra	PROPN
iiclr-25065	569	5	note	note	NOUN
iiclr-25065	569	6	13	13	NUM
iiclr-25065	569	7	,	,	PUNCT
iiclr-25065	569	8	at	at	ADP
iiclr-25065	569	9	18	18	NUM
iiclr-25065	569	10	.	.	SYM
iiclr-25065	569	11	164	164	NUM
iiclr-25065	569	12	.	.	PUNCT
iiclr-25065	570	1	see	see	VERB
iiclr-25065	570	2	supra	supra	PROPN
iiclr-25065	570	3	section	section	PROPN
iiclr-25065	570	4	ii.b	ii.b	PROPN
iiclr-25065	570	5	.	.	PUNCT
iiclr-25065	571	1	165	165	NUM
iiclr-25065	571	2	.	.	PUNCT
iiclr-25065	572	1	the	the	DET
iiclr-25065	572	2	u.k	u.k	PROPN
iiclr-25065	572	3	.	.	PROPN
iiclr-25065	572	4	’s	’s	PART
iiclr-25065	572	5	ppi	ppi	PROPN
iiclr-25065	572	6	case	case	NOUN
iiclr-25065	572	7	shows	show	VERB
iiclr-25065	572	8	that	that	SCONJ
iiclr-25065	572	9	the	the	DET
iiclr-25065	572	10	fca	fca	PROPN
iiclr-25065	572	11	took	take	VERB
iiclr-25065	572	12	great	great	ADJ
iiclr-25065	572	13	care	care	NOUN
iiclr-25065	572	14	to	to	PART
iiclr-25065	572	15	publicize	publicize	VERB
iiclr-25065	572	16	the	the	DET
iiclr-25065	572	17	ppi	ppi	NOUN
iiclr-25065	572	18	’s	’s	PART
iiclr-25065	572	19	mass	mass	ADJ
iiclr-25065	572	20	harm	harm	NOUN
iiclr-25065	572	21	.	.	PUNCT
iiclr-25065	573	1	the	the	DET
iiclr-25065	573	2	korean	korean	ADJ
iiclr-25065	573	3	dcds	dcds	PROPN
iiclr-25065	573	4	case	case	NOUN
iiclr-25065	573	5	demonstrates	demonstrate	VERB
iiclr-25065	573	6	the	the	DET
iiclr-25065	573	7	pitfalls	pitfall	NOUN
iiclr-25065	573	8	of	of	ADP
iiclr-25065	573	9	regulatory	regulatory	ADJ
iiclr-25065	573	10	redress	redress	NOUN
iiclr-25065	573	11	when	when	SCONJ
iiclr-25065	573	12	members	member	NOUN
iiclr-25065	573	13	of	of	ADP
iiclr-25065	573	14	a	a	DET
iiclr-25065	573	15	potential	potential	ADJ
iiclr-25065	573	16	“	"	PUNCT
iiclr-25065	573	17	class	class	NOUN
iiclr-25065	573	18	”	"	PUNCT
iiclr-25065	573	19	are	be	AUX
iiclr-25065	573	20	not	not	PART
iiclr-25065	573	21	properly	properly	ADV
iiclr-25065	573	22	notified	notify	VERB
iiclr-25065	573	23	.	.	PUNCT
iiclr-25065	574	1	the	the	DET
iiclr-25065	574	2	u.s	u.s	PROPN
iiclr-25065	574	3	.	.	PROPN
iiclr-25065	574	4	cfpb	cfpb	PROPN
iiclr-25065	574	5	case	case	NOUN
iiclr-25065	574	6	shows	show	VERB
iiclr-25065	574	7	how	how	SCONJ
iiclr-25065	574	8	simple	simple	ADJ
iiclr-25065	574	9	an	an	DET
iiclr-25065	574	10	automatic	automatic	ADJ
iiclr-25065	574	11	redress	redress	NOUN
iiclr-25065	574	12	can	can	AUX
iiclr-25065	574	13	be	be	AUX
iiclr-25065	574	14	from	from	ADP
iiclr-25065	574	15	the	the	DET
iiclr-25065	574	16	consumer	consumer	NOUN
iiclr-25065	574	17	’s	’s	PART
iiclr-25065	574	18	perspective	perspective	NOUN
iiclr-25065	574	19	.	.	PUNCT
iiclr-25065	575	1	2019	2019	NUM
iiclr-25065	575	2	]	]	PUNCT
iiclr-25065	576	1	toward	toward	ADP
iiclr-25065	576	2	regulatory	regulatory	ADJ
iiclr-25065	576	3	mass	mass	NOUN
iiclr-25065	576	4	redress	redress	NOUN
iiclr-25065	576	5	schemes	scheme	NOUN
iiclr-25065	576	6	125	125	NUM
iiclr-25065	576	7	order	order	NOUN
iiclr-25065	576	8	mandatory	mandatory	ADJ
iiclr-25065	576	9	repayment	repayment	NOUN
iiclr-25065	576	10	,	,	PUNCT
iiclr-25065	576	11	they	they	PRON
iiclr-25065	576	12	might	might	AUX
iiclr-25065	576	13	still	still	ADV
iiclr-25065	576	14	be	be	AUX
iiclr-25065	576	15	flexible	flexible	ADJ
iiclr-25065	576	16	in	in	ADP
iiclr-25065	576	17	the	the	DET
iiclr-25065	576	18	way	way	NOUN
iiclr-25065	576	19	that	that	PRON
iiclr-25065	576	20	the	the	DET
iiclr-25065	576	21	firm	firm	NOUN
iiclr-25065	576	22	manages	manage	VERB
iiclr-25065	576	23	the	the	DET
iiclr-25065	576	24	redress	redress	NOUN
iiclr-25065	576	25	scheme	scheme	NOUN
iiclr-25065	576	26	and	and	CCONJ
iiclr-25065	576	27	handles	handle	VERB
iiclr-25065	576	28	individual	individual	ADJ
iiclr-25065	576	29	claims	claim	NOUN
iiclr-25065	576	30	.	.	PUNCT
iiclr-25065	577	1	in	in	ADP
iiclr-25065	577	2	other	other	ADJ
iiclr-25065	577	3	cases	case	NOUN
iiclr-25065	577	4	,	,	PUNCT
iiclr-25065	577	5	the	the	DET
iiclr-25065	577	6	authorities	authority	NOUN
iiclr-25065	577	7	themselves	themselves	PRON
iiclr-25065	577	8	might	might	AUX
iiclr-25065	577	9	determine	determine	VERB
iiclr-25065	577	10	the	the	DET
iiclr-25065	577	11	specific	specific	ADJ
iiclr-25065	577	12	formula	formula	NOUN
iiclr-25065	577	13	that	that	PRON
iiclr-25065	577	14	calculates	calculate	VERB
iiclr-25065	577	15	the	the	DET
iiclr-25065	577	16	repayment	repayment	NOUN
iiclr-25065	577	17	amounts	amount	NOUN
iiclr-25065	577	18	.	.	PUNCT
iiclr-25065	578	1	generally	generally	ADV
iiclr-25065	578	2	speaking	speak	VERB
iiclr-25065	578	3	,	,	PUNCT
iiclr-25065	578	4	more	more	ADJ
iiclr-25065	578	5	regulation	regulation	NOUN
iiclr-25065	578	6	(	(	PUNCT
iiclr-25065	578	7	less	less	ADJ
iiclr-25065	578	8	discretion	discretion	NOUN
iiclr-25065	578	9	)	)	PUNCT
iiclr-25065	578	10	creates	create	VERB
iiclr-25065	578	11	a	a	DET
iiclr-25065	578	12	fairer	fair	ADJ
iiclr-25065	578	13	and	and	CCONJ
iiclr-25065	578	14	more	more	ADJ
iiclr-25065	578	15	level	level	NOUN
iiclr-25065	578	16	field	field	NOUN
iiclr-25065	578	17	among	among	ADP
iiclr-25065	578	18	consumers	consumer	NOUN
iiclr-25065	578	19	and	and	CCONJ
iiclr-25065	578	20	firms	firm	NOUN
iiclr-25065	578	21	,	,	PUNCT
iiclr-25065	578	22	while	while	SCONJ
iiclr-25065	578	23	allowing	allow	VERB
iiclr-25065	578	24	self	self	NOUN
iiclr-25065	578	25	-	-	PUNCT
iiclr-25065	578	26	regulation	regulation	NOUN
iiclr-25065	578	27	and	and	CCONJ
iiclr-25065	578	28	a	a	DET
iiclr-25065	578	29	higher	high	ADJ
iiclr-25065	578	30	degree	degree	NOUN
iiclr-25065	578	31	of	of	ADP
iiclr-25065	578	32	autonomy	autonomy	NOUN
iiclr-25065	578	33	can	can	AUX
iiclr-25065	578	34	enhance	enhance	VERB
iiclr-25065	578	35	market	market	NOUN
iiclr-25065	578	36	efficiency	efficiency	NOUN
iiclr-25065	578	37	,	,	PUNCT
iiclr-25065	578	38	as	as	SCONJ
iiclr-25065	578	39	firms	firm	NOUN
iiclr-25065	578	40	can	can	AUX
iiclr-25065	578	41	find	find	VERB
iiclr-25065	578	42	a	a	DET
iiclr-25065	578	43	specific	specific	ADJ
iiclr-25065	578	44	solution	solution	NOUN
iiclr-25065	578	45	that	that	PRON
iiclr-25065	578	46	best	well	ADV
iiclr-25065	578	47	fits	fit	VERB
iiclr-25065	578	48	their	their	PRON
iiclr-25065	578	49	case.166	case.166	ADJ
iiclr-25065	578	50	vi	vi	PROPN
iiclr-25065	578	51	.	.	PUNCT
iiclr-25065	579	1	conclusion	conclusion	NOUN
iiclr-25065	579	2	several	several	ADJ
iiclr-25065	579	3	countries	country	NOUN
iiclr-25065	579	4	have	have	AUX
iiclr-25065	579	5	successfully	successfully	ADV
iiclr-25065	579	6	deployed	deploy	VERB
iiclr-25065	579	7	regulatory	regulatory	ADJ
iiclr-25065	579	8	mass	mass	NOUN
iiclr-25065	579	9	redress	redress	NOUN
iiclr-25065	579	10	schemes	scheme	NOUN
iiclr-25065	579	11	,	,	PUNCT
iiclr-25065	579	12	proving	prove	VERB
iiclr-25065	579	13	that	that	SCONJ
iiclr-25065	579	14	these	these	PRON
iiclr-25065	579	15	can	can	AUX
iiclr-25065	579	16	be	be	AUX
iiclr-25065	579	17	potent	potent	ADJ
iiclr-25065	579	18	alternatives	alternative	NOUN
iiclr-25065	579	19	to	to	PART
iiclr-25065	579	20	slow	slow	VERB
iiclr-25065	579	21	and	and	CCONJ
iiclr-25065	579	22	inefficient	inefficient	ADJ
iiclr-25065	579	23	court	court	NOUN
iiclr-25065	579	24	-	-	PUNCT
iiclr-25065	579	25	led	lead	VERB
iiclr-25065	579	26	collective	collective	ADJ
iiclr-25065	579	27	actions	action	NOUN
iiclr-25065	579	28	.	.	PUNCT
iiclr-25065	580	1	for	for	ADP
iiclr-25065	580	2	mass	mass	ADJ
iiclr-25065	580	3	harm	harm	NOUN
iiclr-25065	580	4	,	,	PUNCT
iiclr-25065	580	5	regulatory	regulatory	ADJ
iiclr-25065	580	6	mass	mass	NOUN
iiclr-25065	580	7	redress	redress	NOUN
iiclr-25065	580	8	is	be	AUX
iiclr-25065	580	9	a	a	DET
iiclr-25065	580	10	great	great	ADJ
iiclr-25065	580	11	improvement	improvement	NOUN
iiclr-25065	580	12	over	over	ADP
iiclr-25065	580	13	the	the	DET
iiclr-25065	580	14	conventional	conventional	ADJ
iiclr-25065	580	15	individual	individual	ADJ
iiclr-25065	580	16	form	form	NOUN
iiclr-25065	580	17	of	of	ADP
iiclr-25065	580	18	adr	adr	PROPN
iiclr-25065	580	19	or	or	CCONJ
iiclr-25065	580	20	odr	odr	PROPN
iiclr-25065	580	21	.	.	PUNCT
iiclr-25065	581	1	thus	thus	ADV
iiclr-25065	581	2	,	,	PUNCT
iiclr-25065	581	3	regulatory	regulatory	ADJ
iiclr-25065	581	4	redress	redress	NOUN
iiclr-25065	581	5	schemes	scheme	NOUN
iiclr-25065	581	6	,	,	PUNCT
iiclr-25065	581	7	often	often	ADV
iiclr-25065	581	8	used	use	VERB
iiclr-25065	581	9	in	in	ADP
iiclr-25065	581	10	tandem	tandem	NOUN
iiclr-25065	581	11	with	with	ADP
iiclr-25065	581	12	consumer	consumer	NOUN
iiclr-25065	581	13	ombudsmen	ombudsman	NOUN
iiclr-25065	581	14	systems	system	NOUN
iiclr-25065	581	15	,	,	PUNCT
iiclr-25065	581	16	are	be	AUX
iiclr-25065	581	17	rightfully	rightfully	ADV
iiclr-25065	581	18	called	call	VERB
iiclr-25065	581	19	the	the	DET
iiclr-25065	581	20	newest	new	ADJ
iiclr-25065	581	21	redress	redress	NOUN
iiclr-25065	581	22	“	"	PUNCT
iiclr-25065	581	23	technology”167	technology”167	NOUN
iiclr-25065	581	24	and	and	CCONJ
iiclr-25065	581	25	deserve	deserve	VERB
iiclr-25065	581	26	more	more	ADJ
iiclr-25065	581	27	attention	attention	NOUN
iiclr-25065	581	28	from	from	ADP
iiclr-25065	581	29	policymakers	policymaker	NOUN
iiclr-25065	581	30	and	and	CCONJ
iiclr-25065	581	31	academia	academia	NOUN
iiclr-25065	581	32	.	.	PUNCT
iiclr-25065	582	1	the	the	DET
iiclr-25065	582	2	case	case	NOUN
iiclr-25065	582	3	studies	study	NOUN
iiclr-25065	582	4	show	show	VERB
iiclr-25065	582	5	wide	wide	ADJ
iiclr-25065	582	6	variations	variation	NOUN
iiclr-25065	582	7	among	among	ADP
iiclr-25065	582	8	the	the	DET
iiclr-25065	582	9	regulatory	regulatory	ADJ
iiclr-25065	582	10	redress	redress	NOUN
iiclr-25065	582	11	schemes	scheme	NOUN
iiclr-25065	582	12	that	that	SCONJ
iiclr-25065	582	13	different	different	ADJ
iiclr-25065	582	14	nations	nation	NOUN
iiclr-25065	582	15	use	use	VERB
iiclr-25065	582	16	,	,	PUNCT
iiclr-25065	582	17	which	which	PRON
iiclr-25065	582	18	has	have	AUX
iiclr-25065	582	19	made	make	VERB
iiclr-25065	582	20	it	it	PRON
iiclr-25065	582	21	difficult	difficult	ADJ
iiclr-25065	582	22	for	for	SCONJ
iiclr-25065	582	23	policymakers	policymaker	NOUN
iiclr-25065	582	24	to	to	PART
iiclr-25065	582	25	identify	identify	VERB
iiclr-25065	582	26	this	this	DET
iiclr-25065	582	27	technique	technique	NOUN
iiclr-25065	582	28	as	as	ADP
iiclr-25065	582	29	a	a	DET
iiclr-25065	582	30	distinct	distinct	ADJ
iiclr-25065	582	31	solution	solution	NOUN
iiclr-25065	582	32	for	for	ADP
iiclr-25065	582	33	mass	mass	ADJ
iiclr-25065	582	34	harm	harm	NOUN
iiclr-25065	582	35	.	.	PUNCT
iiclr-25065	583	1	the	the	DET
iiclr-25065	583	2	discrepancies	discrepancy	NOUN
iiclr-25065	583	3	have	have	AUX
iiclr-25065	583	4	also	also	ADV
iiclr-25065	583	5	made	make	VERB
iiclr-25065	583	6	it	it	PRON
iiclr-25065	583	7	difficult	difficult	ADJ
iiclr-25065	583	8	for	for	SCONJ
iiclr-25065	583	9	them	they	PRON
iiclr-25065	583	10	to	to	PART
iiclr-25065	583	11	pinpoint	pinpoint	VERB
iiclr-25065	583	12	commonalities	commonality	NOUN
iiclr-25065	583	13	among	among	ADP
iiclr-25065	583	14	the	the	DET
iiclr-25065	583	15	plans	plan	NOUN
iiclr-25065	583	16	and	and	CCONJ
iiclr-25065	583	17	categorize	categorize	VERB
iiclr-25065	583	18	the	the	DET
iiclr-25065	583	19	necessary	necessary	ADJ
iiclr-25065	583	20	policy	policy	NOUN
iiclr-25065	583	21	decisions	decision	NOUN
iiclr-25065	583	22	.	.	PUNCT
iiclr-25065	584	1	this	this	DET
iiclr-25065	584	2	article	article	NOUN
iiclr-25065	584	3	clarifies	clarify	VERB
iiclr-25065	584	4	the	the	DET
iiclr-25065	584	5	issue	issue	NOUN
iiclr-25065	584	6	by	by	ADP
iiclr-25065	584	7	presenting	present	VERB
iiclr-25065	584	8	some	some	PRON
iiclr-25065	584	9	of	of	ADP
iiclr-25065	584	10	the	the	DET
iiclr-25065	584	11	relevant	relevant	ADJ
iiclr-25065	584	12	considerations	consideration	NOUN
iiclr-25065	584	13	–	–	PUNCT
iiclr-25065	584	14	the	the	DET
iiclr-25065	584	15	efficiency	efficiency	NOUN
iiclr-25065	584	16	gains	gain	NOUN
iiclr-25065	584	17	,	,	PUNCT
iiclr-25065	584	18	the	the	DET
iiclr-25065	584	19	right	right	NOUN
iiclr-25065	584	20	to	to	ADP
iiclr-25065	584	21	a	a	DET
iiclr-25065	584	22	fair	fair	ADJ
iiclr-25065	584	23	trial	trial	NOUN
iiclr-25065	584	24	,	,	PUNCT
iiclr-25065	584	25	due	due	ADJ
iiclr-25065	584	26	process	process	NOUN
iiclr-25065	584	27	concerns	concern	NOUN
iiclr-25065	584	28	,	,	PUNCT
iiclr-25065	584	29	and	and	CCONJ
iiclr-25065	584	30	the	the	DET
iiclr-25065	584	31	degree	degree	NOUN
iiclr-25065	584	32	of	of	ADP
iiclr-25065	584	33	openness	openness	NOUN
iiclr-25065	584	34	and	and	CCONJ
iiclr-25065	584	35	transparency	transparency	NOUN
iiclr-25065	584	36	.	.	PUNCT
iiclr-25065	585	1	based	base	VERB
iiclr-25065	585	2	on	on	ADP
iiclr-25065	585	3	these	these	DET
iiclr-25065	585	4	points	point	NOUN
iiclr-25065	585	5	,	,	PUNCT
iiclr-25065	585	6	policymakers	policymaker	NOUN
iiclr-25065	585	7	must	must	AUX
iiclr-25065	585	8	make	make	VERB
iiclr-25065	585	9	specific	specific	ADJ
iiclr-25065	585	10	design	design	NOUN
iiclr-25065	585	11	choices	choice	NOUN
iiclr-25065	585	12	such	such	ADJ
iiclr-25065	585	13	as	as	ADP
iiclr-25065	585	14	determining	determine	VERB
iiclr-25065	585	15	a	a	DET
iiclr-25065	585	16	threshold	threshold	NOUN
iiclr-25065	585	17	necessary	necessary	ADJ
iiclr-25065	585	18	to	to	PART
iiclr-25065	585	19	activate	activate	VERB
iiclr-25065	585	20	a	a	DET
iiclr-25065	585	21	redress	redress	NOUN
iiclr-25065	585	22	scheme	scheme	NOUN
iiclr-25065	585	23	,	,	PUNCT
iiclr-25065	585	24	or	or	CCONJ
iiclr-25065	585	25	the	the	DET
iiclr-25065	585	26	prescribed	prescribed	ADJ
iiclr-25065	585	27	maximum	maximum	ADJ
iiclr-25065	585	28	amount	amount	NOUN
iiclr-25065	585	29	of	of	ADP
iiclr-25065	585	30	repayment	repayment	NOUN
iiclr-25065	585	31	that	that	SCONJ
iiclr-25065	585	32	a	a	DET
iiclr-25065	585	33	regulatory	regulatory	ADJ
iiclr-25065	585	34	redress	redress	NOUN
iiclr-25065	585	35	scheme	scheme	NOUN
iiclr-25065	585	36	will	will	AUX
iiclr-25065	585	37	offer	offer	VERB
iiclr-25065	585	38	.	.	PUNCT
iiclr-25065	586	1	determining	determine	VERB
iiclr-25065	586	2	the	the	DET
iiclr-25065	586	3	extent	extent	NOUN
iiclr-25065	586	4	of	of	ADP
iiclr-25065	586	5	the	the	DET
iiclr-25065	586	6	court	court	NOUN
iiclr-25065	586	7	’s	’s	PART
iiclr-25065	586	8	contribution	contribution	NOUN
iiclr-25065	586	9	,	,	PUNCT
iiclr-25065	586	10	including	include	VERB
iiclr-25065	586	11	a	a	DET
iiclr-25065	586	12	party	party	NOUN
iiclr-25065	586	13	’s	’s	PART
iiclr-25065	586	14	right	right	NOUN
iiclr-25065	586	15	to	to	PART
iiclr-25065	586	16	appeal	appeal	VERB
iiclr-25065	586	17	a	a	DET
iiclr-25065	586	18	regulatory	regulatory	ADJ
iiclr-25065	586	19	redress	redress	NOUN
iiclr-25065	586	20	order	order	NOUN
iiclr-25065	586	21	,	,	PUNCT
iiclr-25065	586	22	is	be	AUX
iiclr-25065	586	23	also	also	ADV
iiclr-25065	586	24	an	an	DET
iiclr-25065	586	25	important	important	ADJ
iiclr-25065	586	26	policy	policy	NOUN
iiclr-25065	586	27	choice	choice	NOUN
iiclr-25065	586	28	.	.	PUNCT
iiclr-25065	587	1	as	as	ADP
iiclr-25065	587	2	a	a	DET
iiclr-25065	587	3	more	more	ADV
iiclr-25065	587	4	practical	practical	ADJ
iiclr-25065	587	5	matter	matter	NOUN
iiclr-25065	587	6	,	,	PUNCT
iiclr-25065	587	7	figuring	figure	VERB
iiclr-25065	587	8	out	out	ADP
iiclr-25065	587	9	how	how	SCONJ
iiclr-25065	587	10	to	to	PART
iiclr-25065	587	11	reach	reach	VERB
iiclr-25065	587	12	harmed	harm	VERB
iiclr-25065	587	13	consumers	consumer	NOUN
iiclr-25065	587	14	and	and	CCONJ
iiclr-25065	587	15	repay	repay	VERB
iiclr-25065	587	16	them	they	PRON
iiclr-25065	587	17	is	be	AUX
iiclr-25065	587	18	yet	yet	ADV
iiclr-25065	587	19	another	another	DET
iiclr-25065	587	20	direction	direction	NOUN
iiclr-25065	587	21	in	in	ADP
iiclr-25065	587	22	which	which	PRON
iiclr-25065	587	23	nations	nation	NOUN
iiclr-25065	587	24	have	have	AUX
iiclr-25065	587	25	greatly	greatly	ADV
iiclr-25065	587	26	diverged	diverge	VERB
iiclr-25065	587	27	.	.	PUNCT
iiclr-25065	588	1	finally	finally	ADV
iiclr-25065	588	2	,	,	PUNCT
iiclr-25065	588	3	legislators	legislator	NOUN
iiclr-25065	588	4	must	must	AUX
iiclr-25065	588	5	establish	establish	VERB
iiclr-25065	588	6	the	the	DET
iiclr-25065	588	7	degree	degree	NOUN
iiclr-25065	588	8	of	of	ADP
iiclr-25065	588	9	autonomy	autonomy	NOUN
iiclr-25065	588	10	that	that	SCONJ
iiclr-25065	588	11	they	they	PRON
iiclr-25065	588	12	will	will	AUX
iiclr-25065	588	13	allow	allow	VERB
iiclr-25065	588	14	the	the	DET
iiclr-25065	588	15	firms	firm	NOUN
iiclr-25065	588	16	in	in	ADP
iiclr-25065	588	17	managing	manage	VERB
iiclr-25065	588	18	their	their	PRON
iiclr-25065	588	19	redress	redress	NOUN
iiclr-25065	588	20	schemes	scheme	NOUN
iiclr-25065	588	21	.	.	PUNCT
iiclr-25065	589	1	there	there	PRON
iiclr-25065	589	2	are	be	VERB
iiclr-25065	589	3	no	no	DET
iiclr-25065	589	4	correct	correct	ADJ
iiclr-25065	589	5	answers	answer	NOUN
iiclr-25065	589	6	to	to	ADP
iiclr-25065	589	7	any	any	PRON
iiclr-25065	589	8	of	of	ADP
iiclr-25065	589	9	the	the	DET
iiclr-25065	589	10	policy	policy	NOUN
iiclr-25065	589	11	choices	choice	NOUN
iiclr-25065	589	12	.	.	PUNCT
iiclr-25065	590	1	among	among	ADP
iiclr-25065	590	2	other	other	ADJ
iiclr-25065	590	3	factors	factor	NOUN
iiclr-25065	590	4	,	,	PUNCT
iiclr-25065	590	5	the	the	DET
iiclr-25065	590	6	extent	extent	NOUN
iiclr-25065	590	7	of	of	ADP
iiclr-25065	590	8	the	the	DET
iiclr-25065	590	9	harm	harm	NOUN
iiclr-25065	590	10	and	and	CCONJ
iiclr-25065	590	11	the	the	DET
iiclr-25065	590	12	expected	expect	VERB
iiclr-25065	590	13	amount	amount	NOUN
iiclr-25065	590	14	of	of	ADP
iiclr-25065	590	15	redress	redress	NOUN
iiclr-25065	590	16	for	for	ADP
iiclr-25065	590	17	a	a	DET
iiclr-25065	590	18	typical	typical	ADJ
iiclr-25065	590	19	case	case	NOUN
iiclr-25065	590	20	are	be	AUX
iiclr-25065	590	21	relevant	relevant	ADJ
iiclr-25065	590	22	and	and	CCONJ
iiclr-25065	590	23	will	will	AUX
iiclr-25065	590	24	vary	vary	VERB
iiclr-25065	590	25	from	from	ADP
iiclr-25065	590	26	case	case	NOUN
iiclr-25065	590	27	to	to	PART
iiclr-25065	590	28	case	case	VERB
iiclr-25065	590	29	.	.	PUNCT
iiclr-25065	591	1	in	in	ADP
iiclr-25065	591	2	addition	addition	NOUN
iiclr-25065	591	3	,	,	PUNCT
iiclr-25065	591	4	a	a	DET
iiclr-25065	591	5	nation	nation	NOUN
iiclr-25065	591	6	’s	’s	PART
iiclr-25065	591	7	tendency	tendency	NOUN
iiclr-25065	591	8	to	to	PART
iiclr-25065	591	9	allow	allow	VERB
iiclr-25065	591	10	industries	industry	NOUN
iiclr-25065	591	11	to	to	ADP
iiclr-25065	591	12	self	self	NOUN
iiclr-25065	591	13	-	-	PUNCT
iiclr-25065	591	14	regulate	regulate	NOUN
iiclr-25065	591	15	or	or	CCONJ
iiclr-25065	591	16	its	its	PRON
iiclr-25065	591	17	deference	deference	NOUN
iiclr-25065	591	18	to	to	ADP
iiclr-25065	591	19	regulatory	regulatory	ADJ
iiclr-25065	591	20	authority	authority	NOUN
iiclr-25065	591	21	are	be	AUX
iiclr-25065	591	22	also	also	ADV
iiclr-25065	591	23	important	important	ADJ
iiclr-25065	591	24	considerations	consideration	NOUN
iiclr-25065	591	25	when	when	SCONJ
iiclr-25065	591	26	determining	determine	VERB
iiclr-25065	591	27	the	the	DET
iiclr-25065	591	28	rigidity	rigidity	NOUN
iiclr-25065	591	29	of	of	ADP
iiclr-25065	591	30	a	a	DET
iiclr-25065	591	31	regulatory	regulatory	ADJ
iiclr-25065	591	32	166	166	NUM
iiclr-25065	591	33	.	.	PUNCT
iiclr-25065	592	1	see	see	VERB
iiclr-25065	592	2	pablo	pablo	NOUN
iiclr-25065	592	3	cortes	corte	NOUN
iiclr-25065	592	4	,	,	PUNCT
iiclr-25065	592	5	accredited	accredit	VERB
iiclr-25065	592	6	online	online	ADJ
iiclr-25065	592	7	dispute	dispute	NOUN
iiclr-25065	592	8	resolution	resolution	NOUN
iiclr-25065	592	9	services	service	NOUN
iiclr-25065	592	10	:	:	PUNCT
iiclr-25065	592	11	creating	create	VERB
iiclr-25065	592	12	european	european	ADJ
iiclr-25065	592	13	legal	legal	ADJ
iiclr-25065	592	14	standards	standard	NOUN
iiclr-25065	592	15	for	for	ADP
iiclr-25065	592	16	ensuring	ensure	VERB
iiclr-25065	592	17	fair	fair	ADJ
iiclr-25065	592	18	and	and	CCONJ
iiclr-25065	592	19	effective	effective	ADJ
iiclr-25065	592	20	processes,17	processes,17	NOUN
iiclr-25065	592	21	info	info	NOUN
iiclr-25065	592	22	.	.	PUNCT
iiclr-25065	593	1	&	&	CCONJ
iiclr-25065	593	2	comm	comm	NOUN
iiclr-25065	593	3	.	.	PUNCT
iiclr-25065	594	1	tech	tech	NOUN
iiclr-25065	594	2	.	.	PUNCT
iiclr-25065	595	1	l.	l.	PROPN
iiclr-25065	595	2	221	221	NUM
iiclr-25065	595	3	,	,	PUNCT
iiclr-25065	595	4	223	223	NUM
iiclr-25065	595	5	-	-	SYM
iiclr-25065	595	6	24	24	NUM
iiclr-25065	595	7	(	(	PUNCT
iiclr-25065	595	8	2008	2008	NUM
iiclr-25065	595	9	)	)	PUNCT
iiclr-25065	595	10	.	.	PUNCT
iiclr-25065	596	1	167	167	NUM
iiclr-25065	596	2	.	.	PUNCT
iiclr-25065	596	3	see	see	VERB
iiclr-25065	596	4	generally	generally	ADV
iiclr-25065	596	5	hodges	hodges	PROPN
iiclr-25065	596	6	&	&	CCONJ
iiclr-25065	596	7	voet	voet	PROPN
iiclr-25065	596	8	,	,	PUNCT
iiclr-25065	596	9	supra	supra	PROPN
iiclr-25065	596	10	note	note	NOUN
iiclr-25065	596	11	1	1	NUM
iiclr-25065	596	12	.	.	PUNCT
iiclr-25065	597	1	indiana	indiana	PROPN
iiclr-25065	597	2	int’l	int’l	PROPN
iiclr-25065	597	3	&	&	CCONJ
iiclr-25065	597	4	comp	comp	PROPN
iiclr-25065	597	5	.	.	PUNCT
iiclr-25065	598	1	law	law	NOUN
iiclr-25065	598	2	review	review	NOUN
iiclr-25065	599	1	[	[	X
iiclr-25065	599	2	vol	vol	NOUN
iiclr-25065	599	3	.	.	NOUN
iiclr-25065	599	4	30:99	30:99	NUM
iiclr-25065	599	5	126	126	NUM
iiclr-25065	599	6	redress	redress	NOUN
iiclr-25065	599	7	scheme	scheme	NOUN
iiclr-25065	599	8	.	.	PUNCT
iiclr-25065	600	1	what	what	PRON
iiclr-25065	600	2	is	be	AUX
iiclr-25065	600	3	clear	clear	ADJ
iiclr-25065	600	4	is	be	AUX
iiclr-25065	600	5	that	that	PRON
iiclr-25065	600	6	regulatory	regulatory	ADJ
iiclr-25065	600	7	mass	mass	NOUN
iiclr-25065	600	8	redress	redress	NOUN
iiclr-25065	600	9	–	–	PUNCT
iiclr-25065	600	10	not	not	PART
iiclr-25065	600	11	court	court	NOUN
iiclr-25065	600	12	litigation	litigation	NOUN
iiclr-25065	600	13	and	and	CCONJ
iiclr-25065	600	14	not	not	PART
iiclr-25065	600	15	redress	redress	NOUN
iiclr-25065	600	16	of	of	ADP
iiclr-25065	600	17	individual	individual	ADJ
iiclr-25065	600	18	cases	case	NOUN
iiclr-25065	600	19	–	–	PUNCT
iiclr-25065	600	20	is	be	AUX
iiclr-25065	600	21	the	the	DET
iiclr-25065	600	22	most	most	ADV
iiclr-25065	600	23	efficient	efficient	ADJ
iiclr-25065	600	24	way	way	NOUN
iiclr-25065	600	25	to	to	PART
iiclr-25065	600	26	deal	deal	VERB
iiclr-25065	600	27	with	with	ADP
iiclr-25065	600	28	certain	certain	ADJ
iiclr-25065	600	29	types	type	NOUN
iiclr-25065	600	30	of	of	ADP
iiclr-25065	600	31	mass	mass	ADJ
iiclr-25065	600	32	harm	harm	NOUN
iiclr-25065	600	33	that	that	PRON
iiclr-25065	600	34	occur	occur	VERB
iiclr-25065	600	35	frequently	frequently	ADV
iiclr-25065	600	36	in	in	ADP
iiclr-25065	600	37	certain	certain	ADJ
iiclr-25065	600	38	industries	industry	NOUN
iiclr-25065	600	39	.	.	PUNCT
iiclr-25065	601	1	the	the	DET
iiclr-25065	601	2	case	case	NOUN
iiclr-25065	601	3	studies	study	NOUN
iiclr-25065	601	4	in	in	ADP
iiclr-25065	601	5	this	this	DET
iiclr-25065	601	6	paper	paper	NOUN
iiclr-25065	601	7	illustrate	illustrate	VERB
iiclr-25065	601	8	that	that	SCONJ
iiclr-25065	601	9	the	the	DET
iiclr-25065	601	10	financial	financial	ADJ
iiclr-25065	601	11	sector	sector	NOUN
iiclr-25065	601	12	is	be	AUX
iiclr-25065	601	13	an	an	DET
iiclr-25065	601	14	area	area	NOUN
iiclr-25065	601	15	in	in	ADP
iiclr-25065	601	16	which	which	PRON
iiclr-25065	601	17	mass	mass	ADJ
iiclr-25065	601	18	harm	harm	NOUN
iiclr-25065	601	19	occurs	occur	VERB
iiclr-25065	601	20	commonly	commonly	ADV
iiclr-25065	601	21	and	and	CCONJ
iiclr-25065	601	22	that	that	PRON
iiclr-25065	601	23	regulatory	regulatory	ADJ
iiclr-25065	601	24	mass	mass	NOUN
iiclr-25065	601	25	redress	redress	NOUN
iiclr-25065	601	26	has	have	AUX
iiclr-25065	601	27	been	be	AUX
iiclr-25065	601	28	an	an	DET
iiclr-25065	601	29	effective	effective	ADJ
iiclr-25065	601	30	way	way	NOUN
iiclr-25065	601	31	to	to	PART
iiclr-25065	601	32	tackle	tackle	VERB
iiclr-25065	601	33	it	it	PRON
iiclr-25065	601	34	.	.	PUNCT
iiclr-25065	602	1	given	give	VERB
iiclr-25065	602	2	that	that	SCONJ
iiclr-25065	602	3	the	the	DET
iiclr-25065	602	4	concept	concept	NOUN
iiclr-25065	602	5	of	of	ADP
iiclr-25065	602	6	regulatory	regulatory	ADJ
iiclr-25065	602	7	mass	mass	NOUN
iiclr-25065	602	8	redress	redress	NOUN
iiclr-25065	602	9	is	be	AUX
iiclr-25065	602	10	a	a	DET
iiclr-25065	602	11	relatively	relatively	ADV
iiclr-25065	602	12	novel	novel	ADJ
iiclr-25065	602	13	way	way	NOUN
iiclr-25065	602	14	to	to	PART
iiclr-25065	602	15	compensate	compensate	VERB
iiclr-25065	602	16	harmed	harm	VERB
iiclr-25065	602	17	consumers	consumer	NOUN
iiclr-25065	602	18	,	,	PUNCT
iiclr-25065	602	19	i	i	PRON
iiclr-25065	602	20	hope	hope	VERB
iiclr-25065	602	21	that	that	SCONJ
iiclr-25065	602	22	this	this	DET
iiclr-25065	602	23	paper	paper	NOUN
iiclr-25065	602	24	will	will	AUX
iiclr-25065	602	25	stimulate	stimulate	VERB
iiclr-25065	602	26	research	research	NOUN
iiclr-25065	602	27	on	on	ADP
iiclr-25065	602	28	the	the	DET
iiclr-25065	602	29	regulatory	regulatory	ADJ
iiclr-25065	602	30	mass	mass	NOUN
iiclr-25065	602	31	redress	redress	NOUN
iiclr-25065	602	32	cases	case	NOUN
iiclr-25065	602	33	of	of	ADP
iiclr-25065	602	34	other	other	ADJ
iiclr-25065	602	35	nations	nation	NOUN
iiclr-25065	602	36	and	and	CCONJ
iiclr-25065	602	37	lead	lead	VERB
iiclr-25065	602	38	to	to	ADP
iiclr-25065	602	39	additional	additional	ADJ
iiclr-25065	602	40	discussion	discussion	NOUN
iiclr-25065	602	41	about	about	ADP
iiclr-25065	602	42	the	the	DET
iiclr-25065	602	43	policy	policy	NOUN
iiclr-25065	602	44	choices	choice	NOUN
iiclr-25065	602	45	involved	involve	VERB
iiclr-25065	602	46	in	in	ADP
iiclr-25065	602	47	designing	design	VERB
iiclr-25065	602	48	optimal	optimal	ADJ
iiclr-25065	602	49	redress	redress	NOUN
iiclr-25065	602	50	schemes	scheme	NOUN
iiclr-25065	602	51	,	,	PUNCT
iiclr-25065	602	52	as	as	ADV
iiclr-25065	602	53	well	well	ADV
iiclr-25065	602	54	as	as	ADP
iiclr-25065	602	55	to	to	ADP
iiclr-25065	602	56	the	the	DET
iiclr-25065	602	57	further	further	ADJ
iiclr-25065	602	58	development	development	NOUN
iiclr-25065	602	59	of	of	ADP
iiclr-25065	602	60	new	new	ADJ
iiclr-25065	602	61	techniques	technique	NOUN
iiclr-25065	602	62	for	for	ADP
iiclr-25065	602	63	consumer	consumer	NOUN
iiclr-25065	602	64	redress	redress	NOUN
iiclr-25065	602	65	.	.	PUNCT