id	sid	tid	token	lemma	pos
inlawrev-4071	1	1	indiana	indiana	PROPN
inlawrev-4071	1	2	law	law	PROPN
inlawrev-4071	1	3	review	review	NOUN
inlawrev-4071	1	4	women	woman	NOUN
inlawrev-4071	1	5	and	and	CCONJ
inlawrev-4071	1	6	subprime	subprime	ADJ
inlawrev-4071	1	7	lending	lending	NOUN
inlawrev-4071	1	8	:	:	PUNCT
inlawrev-4071	1	9	an	an	DET
inlawrev-4071	1	10	essay	essay	NOUN
inlawrev-4071	1	11	advocating	advocate	VERB
inlawrev-4071	1	12	self	self	NOUN
inlawrev-4071	1	13	-	-	PUNCT
inlawrev-4071	1	14	regulation	regulation	NOUN
inlawrev-4071	1	15	of	of	ADP
inlawrev-4071	1	16	the	the	DET
inlawrev-4071	1	17	mortgage	mortgage	NOUN
inlawrev-4071	1	18	lending	lending	NOUN
inlawrev-4071	1	19	industry	industry	NOUN
inlawrev-4071	1	20	carol	carol	PROPN
inlawrev-4071	1	21	necole	necole	PROPN
inlawrev-4071	1	22	brown	brown	PROPN
inlawrev-4071	1	23	*	*	PUNCT
inlawrev-4071	1	24	amidst	amidst	ADP
inlawrev-4071	1	25	the	the	DET
inlawrev-4071	1	26	subprime	subprime	ADJ
inlawrev-4071	1	27	debacle	debacle	NOUN
inlawrev-4071	1	28	,	,	PUNCT
inlawrev-4071	1	29	one	one	NUM
inlawrev-4071	1	30	question	question	NOUN
inlawrev-4071	1	31	is	be	AUX
inlawrev-4071	1	32	difficult	difficult	ADJ
inlawrev-4071	1	33	to	to	PART
inlawrev-4071	1	34	ask	ask	VERB
inlawrev-4071	1	35	and	and	CCONJ
inlawrev-4071	1	36	answer	answer	NOUN
inlawrev-4071	1	37	—	—	PUNCT
inlawrev-4071	1	38	why	why	SCONJ
inlawrev-4071	1	39	would	would	AUX
inlawrev-4071	1	40	people	people	NOUN
inlawrev-4071	1	41	who	who	PRON
inlawrev-4071	1	42	could	could	AUX
inlawrev-4071	1	43	qualify	qualify	VERB
inlawrev-4071	1	44	for	for	ADP
inlawrev-4071	1	45	prime	prime	ADJ
inlawrev-4071	1	46	mortgage	mortgage	NOUN
inlawrev-4071	1	47	loans	loan	NOUN
inlawrev-4071	1	48	end	end	VERB
inlawrev-4071	1	49	up	up	ADP
inlawrev-4071	1	50	with	with	ADP
inlawrev-4071	1	51	subprime	subprime	ADJ
inlawrev-4071	1	52	loans	loan	NOUN
inlawrev-4071	1	53	?	?	PUNCT
inlawrev-4071	2	1	this	this	PRON
inlawrev-4071	2	2	is	be	AUX
inlawrev-4071	2	3	a	a	DET
inlawrev-4071	2	4	particularly	particularly	ADV
inlawrev-4071	2	5	relevant	relevant	ADJ
inlawrev-4071	2	6	question	question	NOUN
inlawrev-4071	2	7	because	because	SCONJ
inlawrev-4071	2	8	marketbased	marketbase	VERB
inlawrev-4071	2	9	theories	theory	NOUN
inlawrev-4071	2	10	suggest	suggest	VERB
inlawrev-4071	2	11	that	that	SCONJ
inlawrev-4071	2	12	robust	robust	ADJ
inlawrev-4071	2	13	competition	competition	NOUN
inlawrev-4071	2	14	will	will	AUX
inlawrev-4071	2	15	provide	provide	VERB
inlawrev-4071	2	16	better	well	ADJ
inlawrev-4071	2	17	products	product	NOUN
inlawrev-4071	2	18	and	and	CCONJ
inlawrev-4071	2	19	yet	yet	ADV
inlawrev-4071	2	20	,	,	PUNCT
inlawrev-4071	2	21	there	there	PRON
inlawrev-4071	2	22	is	be	VERB
inlawrev-4071	2	23	persistent	persistent	ADJ
inlawrev-4071	2	24	evidence	evidence	NOUN
inlawrev-4071	2	25	of	of	ADP
inlawrev-4071	2	26	steering	steer	VERB
inlawrev-4071	2	27	women	woman	NOUN
inlawrev-4071	2	28	and	and	CCONJ
inlawrev-4071	2	29	racial	racial	ADJ
inlawrev-4071	2	30	minorities	minority	NOUN
inlawrev-4071	2	31	,	,	PUNCT
inlawrev-4071	2	32	who	who	PRON
inlawrev-4071	2	33	were	be	AUX
inlawrev-4071	2	34	qualified	qualified	ADJ
inlawrev-4071	2	35	for	for	ADP
inlawrev-4071	2	36	prime	prime	ADJ
inlawrev-4071	2	37	products	product	NOUN
inlawrev-4071	2	38	,	,	PUNCT
inlawrev-4071	2	39	into	into	ADP
inlawrev-4071	2	40	subprime	subprime	ADJ
inlawrev-4071	2	41	products	product	NOUN
inlawrev-4071	2	42	.	.	PUNCT
inlawrev-4071	2	43	'	'	PUNCT
inlawrev-4071	3	1	my	my	PRON
inlawrev-4071	3	2	article	article	NOUN
inlawrev-4071	3	3	,	,	PUNCT
inlawrev-4071	3	4	intent	intent	ADJ
inlawrev-4071	3	5	andempirics	andempiric	NOUN
inlawrev-4071	3	6	:	:	PUNCT
inlawrev-4071	3	7	race	race	NOUN
inlawrev-4071	3	8	to	to	ADP
inlawrev-4071	3	9	the	the	DET
inlawrev-4071	3	10	subprime	subprime	NOUN
inlawrev-4071	3	11	,	,	PUNCT
inlawrev-4071	3	12	is	be	AUX
inlawrev-4071	3	13	just	just	ADV
inlawrev-4071	3	14	one	one	NUM
inlawrev-4071	3	15	example	example	NOUN
inlawrev-4071	3	16	of	of	ADP
inlawrev-4071	3	17	the	the	DET
inlawrev-4071	3	18	nearly	nearly	ADV
inlawrev-4071	3	19	countless	countless	ADJ
inlawrev-4071	3	20	attempts	attempt	NOUN
inlawrev-4071	3	21	by	by	ADP
inlawrev-4071	3	22	interested	interested	ADJ
inlawrev-4071	3	23	financial	financial	ADJ
inlawrev-4071	3	24	analysts	analyst	NOUN
inlawrev-4071	3	25	,	,	PUNCT
inlawrev-4071	3	26	consumer	consumer	NOUN
inlawrev-4071	3	27	advocates	advocate	NOUN
inlawrev-4071	3	28	,	,	PUNCT
inlawrev-4071	3	29	government	government	NOUN
inlawrev-4071	3	30	watchdog	watchdog	NOUN
inlawrev-4071	3	31	organizations	organization	NOUN
inlawrev-4071	3	32	,	,	PUNCT
inlawrev-4071	3	33	and	and	CCONJ
inlawrev-4071	3	34	lawyers	lawyer	NOUN
inlawrev-4071	3	35	to	to	PART
inlawrev-4071	3	36	figure	figure	VERB
inlawrev-4071	3	37	out	out	ADP
inlawrev-4071	3	38	what	what	PRON
inlawrev-4071	3	39	happened	happen	VERB
inlawrev-4071	3	40	,	,	PUNCT
inlawrev-4071	3	41	why	why	SCONJ
inlawrev-4071	3	42	the	the	DET
inlawrev-4071	3	43	market	market	NOUN
inlawrev-4071	3	44	did	do	AUX
inlawrev-4071	3	45	not	not	PART
inlawrev-4071	3	46	function	function	VERB
inlawrev-4071	3	47	well	well	ADV
inlawrev-4071	3	48	for	for	ADP
inlawrev-4071	3	49	these	these	DET
inlawrev-4071	3	50	borrowers.^	borrowers.^	NOUN
inlawrev-4071	3	51	i	i	PRON
inlawrev-4071	3	52	am	be	AUX
inlawrev-4071	3	53	a	a	DET
inlawrev-4071	3	54	property	property	NOUN
inlawrev-4071	3	55	law	law	NOUN
inlawrev-4071	3	56	professor	professor	NOUN
inlawrev-4071	3	57	.	.	PUNCT
inlawrev-4071	4	1	from	from	ADP
inlawrev-4071	4	2	my	my	PRON
inlawrev-4071	4	3	property	property	NOUN
inlawrev-4071	4	4	law	law	NOUN
inlawrev-4071	4	5	perspective	perspective	NOUN
inlawrev-4071	4	6	,	,	PUNCT
inlawrev-4071	4	7	this	this	DET
inlawrev-4071	4	8	financial	financial	ADJ
inlawrev-4071	4	9	industries	industry	NOUN
inlawrev-4071	4	10	problem	problem	NOUN
inlawrev-4071	4	11	ultimately	ultimately	ADV
inlawrev-4071	4	12	affects	affect	VERB
inlawrev-4071	4	13	a	a	DET
inlawrev-4071	4	14	property	property	NOUN
inlawrev-4071	4	15	matter	matter	NOUN
inlawrev-4071	4	16	—	—	PUNCT
inlawrev-4071	4	17	mortgages	mortgage	NOUN
inlawrev-4071	4	18	.	.	PUNCT
inlawrev-4071	5	1	my	my	PRON
inlawrev-4071	5	2	thought	thought	NOUN
inlawrev-4071	5	3	is	be	AUX
inlawrev-4071	5	4	that	that	SCONJ
inlawrev-4071	5	5	the	the	DET
inlawrev-4071	5	6	financial	financial	ADJ
inlawrev-4071	5	7	industry	industry	NOUN
inlawrev-4071	5	8	,	,	PUNCT
inlawrev-4071	5	9	specifically	specifically	ADV
inlawrev-4071	5	10	the	the	DET
inlawrev-4071	5	11	mortgage	mortgage	NOUN
inlawrev-4071	5	12	lending	lending	NOUN
inlawrev-4071	5	13	industiy	industiy	NOUN
inlawrev-4071	5	14	,	,	PUNCT
inlawrev-4071	5	15	should	should	AUX
inlawrev-4071	5	16	develop	develop	VERB
inlawrev-4071	5	17	a	a	DET
inlawrev-4071	5	18	system	system	NOUN
inlawrev-4071	5	19	of	of	ADP
inlawrev-4071	5	20	self	self	NOUN
inlawrev-4071	5	21	-	-	PUNCT
inlawrev-4071	5	22	regulation	regulation	NOUN
inlawrev-4071	5	23	as	as	ADP
inlawrev-4071	5	24	part	part	NOUN
inlawrev-4071	5	25	of	of	ADP
inlawrev-4071	5	26	a	a	DET
inlawrev-4071	5	27	larger	large	ADJ
inlawrev-4071	5	28	response	response	NOUN
inlawrev-4071	5	29	by	by	ADP
inlawrev-4071	5	30	the	the	DET
inlawrev-4071	5	31	financial	financial	ADJ
inlawrev-4071	5	32	services	service	NOUN
inlawrev-4071	5	33	industry	industry	NOUN
inlawrev-4071	5	34	to	to	ADP
inlawrev-4071	5	35	recent	recent	ADJ
inlawrev-4071	5	36	events	event	NOUN
inlawrev-4071	5	37	.	.	PUNCT
inlawrev-4071	6	1	in	in	ADP
inlawrev-4071	6	2	the	the	DET
inlawrev-4071	6	3	end	end	NOUN
inlawrev-4071	6	4	,	,	PUNCT
inlawrev-4071	6	5	whether	whether	SCONJ
inlawrev-4071	6	6	mortgage	mortgage	NOUN
inlawrev-4071	6	7	lending	lending	NOUN
inlawrev-4071	6	8	discrimination	discrimination	NOUN
inlawrev-4071	6	9	,	,	PUNCT
inlawrev-4071	6	10	market	market	NOUN
inlawrev-4071	6	11	failure	failure	NOUN
inlawrev-4071	6	12	,	,	PUNCT
inlawrev-4071	6	13	or	or	CCONJ
inlawrev-4071	6	14	a	a	DET
inlawrev-4071	6	15	combination	combination	NOUN
inlawrev-4071	6	16	of	of	ADP
inlawrev-4071	6	17	these	these	DET
inlawrev-4071	6	18	two	two	NUM
inlawrev-4071	6	19	caused	cause	VERB
inlawrev-4071	6	20	the	the	DET
inlawrev-4071	6	21	mortgage	mortgage	NOUN
inlawrev-4071	6	22	-	-	PUNCT
inlawrev-4071	6	23	related	relate	VERB
inlawrev-4071	6	24	financial	financial	ADJ
inlawrev-4071	6	25	crisis	crisis	NOUN
inlawrev-4071	6	26	,	,	PUNCT
inlawrev-4071	6	27	the	the	DET
inlawrev-4071	6	28	recent	recent	ADJ
inlawrev-4071	6	29	events	event	NOUN
inlawrev-4071	6	30	are	be	AUX
inlawrev-4071	6	31	a	a	DET
inlawrev-4071	6	32	clarion	clarion	NOUN
inlawrev-4071	6	33	call	call	NOUN
inlawrev-4071	6	34	for	for	ADP
inlawrev-4071	6	35	financial	financial	ADJ
inlawrev-4071	6	36	institutions	institution	NOUN
inlawrev-4071	6	37	,	,	PUNCT
inlawrev-4071	6	38	mortgage	mortgage	NOUN
inlawrev-4071	6	39	originators	originator	NOUN
inlawrev-4071	6	40	,	,	PUNCT
inlawrev-4071	6	41	and	and	CCONJ
inlawrev-4071	6	42	brokers	broker	NOUN
inlawrev-4071	6	43	to	to	PART
inlawrev-4071	6	44	re	re	VERB
inlawrev-4071	6	45	-	-	VERB
inlawrev-4071	6	46	evaluate	evaluate	VERB
inlawrev-4071	6	47	their	their	PRON
inlawrev-4071	6	48	internal	internal	ADJ
inlawrev-4071	6	49	controls	control	NOUN
inlawrev-4071	6	50	and	and	CCONJ
inlawrev-4071	6	51	compliance	compliance	NOUN
inlawrev-4071	6	52	programs	program	NOUN
inlawrev-4071	6	53	.	.	PUNCT
inlawrev-4071	7	1	the	the	DET
inlawrev-4071	7	2	overall	overall	ADJ
inlawrev-4071	7	3	goal	goal	NOUN
inlawrev-4071	7	4	ofthis	ofthi	VERB
inlawrev-4071	7	5	re	re	NOUN
inlawrev-4071	7	6	-	-	NOUN
inlawrev-4071	7	7	evaluation	evaluation	NOUN
inlawrev-4071	7	8	should	should	AUX
inlawrev-4071	7	9	be	be	AUX
inlawrev-4071	7	10	to	to	PART
inlawrev-4071	7	11	implement	implement	VERB
inlawrev-4071	7	12	a	a	DET
inlawrev-4071	7	13	self	self	NOUN
inlawrev-4071	7	14	-	-	PUNCT
inlawrev-4071	7	15	governed	govern	VERB
inlawrev-4071	7	16	compliance	compliance	NOUN
inlawrev-4071	7	17	program	program	NOUN
inlawrev-4071	7	18	.	.	PUNCT
inlawrev-4071	8	1	such	such	DET
inlawrev-4071	8	2	a	a	DET
inlawrev-4071	8	3	program	program	NOUN
inlawrev-4071	8	4	could	could	AUX
inlawrev-4071	8	5	help	help	VERB
inlawrev-4071	8	6	the	the	DET
inlawrev-4071	8	7	mortgage	mortgage	NOUN
inlawrev-4071	8	8	lending	lending	NOUN
inlawrev-4071	8	9	industry	industry	NOUN
inlawrev-4071	8	10	reinforce	reinforce	VERB
inlawrev-4071	8	11	an	an	DET
inlawrev-4071	8	12	ethical	ethical	ADJ
inlawrev-4071	8	13	culture	culture	NOUN
inlawrev-4071	8	14	that	that	PRON
inlawrev-4071	8	15	maintains	maintain	VERB
inlawrev-4071	8	16	the	the	DET
inlawrev-4071	8	17	proper	proper	ADJ
inlawrev-4071	8	18	alignment	alignment	NOUN
inlawrev-4071	8	19	between	between	ADP
inlawrev-4071	8	20	corporate	corporate	ADJ
inlawrev-4071	8	21	profit	profit	NOUN
inlawrev-4071	8	22	and	and	CCONJ
inlawrev-4071	8	23	ethical	ethical	ADJ
inlawrev-4071	8	24	lending	lending	NOUN
inlawrev-4071	8	25	and	and	CCONJ
inlawrev-4071	8	26	corporate	corporate	ADJ
inlawrev-4071	8	27	practices.^	practices.^	NOUN
inlawrev-4071	8	28	by	by	ADP
inlawrev-4071	8	29	now	now	ADV
inlawrev-4071	8	30	,	,	PUNCT
inlawrev-4071	8	31	most	most	ADJ
inlawrev-4071	8	32	people	people	NOUN
inlawrev-4071	8	33	know	know	VERB
inlawrev-4071	8	34	that	that	SCONJ
inlawrev-4071	8	35	subprime	subprime	ADJ
inlawrev-4071	8	36	lending	lending	NOUN
inlawrev-4071	8	37	spiked	spike	VERB
inlawrev-4071	8	38	dramatically	dramatically	ADV
inlawrev-4071	8	39	during	during	ADP
inlawrev-4071	8	40	the	the	DET
inlawrev-4071	8	41	late	late	ADJ
inlawrev-4071	8	42	1990s	1990	NOUN
inlawrev-4071	8	43	through	through	ADP
inlawrev-4071	8	44	2006."^	2006."^	NUM
inlawrev-4071	8	45	subprime	subprime	ADJ
inlawrev-4071	8	46	mortgages	mortgage	NOUN
inlawrev-4071	8	47	as	as	ADP
inlawrev-4071	8	48	a	a	DET
inlawrev-4071	8	49	share	share	NOUN
inlawrev-4071	8	50	ofthe	ofthe	ADJ
inlawrev-4071	8	51	total	total	ADJ
inlawrev-4071	8	52	number	number	NOUN
inlawrev-4071	8	53	*	*	PUNCT
inlawrev-4071	8	54	professor	professor	NOUN
inlawrev-4071	8	55	oflaw	oflaw	NOUN
inlawrev-4071	8	56	,	,	PUNCT
inlawrev-4071	8	57	the	the	DET
inlawrev-4071	8	58	university	university	PROPN
inlawrev-4071	8	59	ofnorth	ofnorth	PROPN
inlawrev-4071	8	60	carolina	carolina	PROPN
inlawrev-4071	8	61	school	school	PROPN
inlawrev-4071	8	62	oflaw	oflaw	PROPN
inlawrev-4071	8	63	.	.	PUNCT
inlawrev-4071	9	1	i	i	PRON
inlawrev-4071	9	2	would	would	AUX
inlawrev-4071	9	3	like	like	VERB
inlawrev-4071	9	4	to	to	PART
inlawrev-4071	9	5	thank	thank	VERB
inlawrev-4071	9	6	professors	professor	NOUN
inlawrev-4071	9	7	alfred	alfred	PROPN
inlawrev-4071	9	8	brophy	brophy	PROPN
inlawrev-4071	9	9	and	and	CCONJ
inlawrev-4071	9	10	serena	serena	PROPN
inlawrev-4071	9	11	maria	maria	PROPN
inlawrev-4071	9	12	williams	williams	PROPN
inlawrev-4071	9	13	.	.	PUNCT
inlawrev-4071	10	1	for	for	ADP
inlawrev-4071	10	2	my	my	PRON
inlawrev-4071	10	3	parents	parent	NOUN
inlawrev-4071	10	4	,	,	PUNCT
inlawrev-4071	10	5	the	the	DET
inlawrev-4071	10	6	late	late	ADJ
inlawrev-4071	10	7	allen	allen	PROPN
inlawrev-4071	10	8	s.	s.	PROPN
inlawrev-4071	10	9	brown	brown	PROPN
inlawrev-4071	10	10	,	,	PUNCT
inlawrev-4071	10	11	jr	jr	PROPN
inlawrev-4071	10	12	.	.	PROPN
inlawrev-4071	10	13	and	and	CCONJ
inlawrev-4071	10	14	the	the	DET
inlawrev-4071	10	15	late	late	ADJ
inlawrev-4071	10	16	valerie	valerie	PROPN
inlawrev-4071	10	17	j.	j.	PROPN
inlawrev-4071	10	18	brown	brown	PROPN
inlawrev-4071	10	19	.	.	PUNCT
inlawrev-4071	11	1	1	1	X
inlawrev-4071	11	2	.	.	X
inlawrev-4071	11	3	see	see	VERB
inlawrev-4071	11	4	,	,	PUNCT
inlawrev-4071	11	5	e.g.	e.g.	ADV
inlawrev-4071	11	6	,	,	PUNCT
inlawrev-4071	11	7	carol	carol	PROPN
inlawrev-4071	11	8	necole	necole	PROPN
inlawrev-4071	11	9	brown	brown	PROPN
inlawrev-4071	11	10	,	,	PUNCT
inlawrev-4071	11	11	intent	intent	NOUN
inlawrev-4071	11	12	and	and	CCONJ
inlawrev-4071	11	13	empirics	empiric	NOUN
inlawrev-4071	11	14	:	:	PUNCT
inlawrev-4071	11	15	race	race	NOUN
inlawrev-4071	11	16	to	to	ADP
inlawrev-4071	11	17	the	the	DET
inlawrev-4071	11	18	subprime	subprime	NOUN
inlawrev-4071	11	19	,	,	PUNCT
inlawrev-4071	11	20	93	93	NUM
inlawrev-4071	11	21	marq	marq	NOUN
inlawrev-4071	11	22	.	.	PUNCT
inlawrev-4071	12	1	l.	l.	PROPN
inlawrev-4071	12	2	rev	rev	PROPN
inlawrev-4071	12	3	.	.	PUNCT
inlawrev-4071	13	1	(	(	PUNCT
inlawrev-4071	13	2	forthcoming	forthcome	VERB
inlawrev-4071	13	3	20	20	NUM
inlawrev-4071	13	4	1	1	NUM
inlawrev-4071	13	5	0	0	NUM
inlawrev-4071	13	6	)	)	PUNCT
inlawrev-4071	13	7	,	,	PUNCT
inlawrev-4071	13	8	available	available	ADJ
inlawrev-4071	13	9	at	at	ADP
inlawrev-4071	13	10	https//ssm.com	https//ssm.com	PROPN
inlawrev-4071	13	11	/	/	SYM
inlawrev-4071	13	12	abstract=	abstract=	PROPN
inlawrev-4071	13	13	1	1	NUM
inlawrev-4071	13	14	426	426	NUM
inlawrev-4071	13	15	1	1	NUM
inlawrev-4071	13	16	42	42	NUM
inlawrev-4071	13	17	.	.	PUNCT
inlawrev-4071	14	1	freddie	freddie	PROPN
inlawrev-4071	14	2	mac	mac	PROPN
inlawrev-4071	14	3	estimates	estimate	VERB
inlawrev-4071	14	4	that	that	SCONJ
inlawrev-4071	14	5	twenty	twenty	NUM
inlawrev-4071	14	6	percent	percent	NOUN
inlawrev-4071	14	7	or	or	CCONJ
inlawrev-4071	14	8	more	more	ADJ
inlawrev-4071	14	9	of	of	ADP
inlawrev-4071	14	10	all	all	DET
inlawrev-4071	14	11	borrowers	borrower	NOUN
inlawrev-4071	14	12	who	who	PRON
inlawrev-4071	14	13	receive	receive	VERB
inlawrev-4071	14	14	subprime	subprime	ADJ
inlawrev-4071	14	15	loans	loan	NOUN
inlawrev-4071	14	16	were	be	AUX
inlawrev-4071	14	17	qualified	qualified	ADJ
inlawrev-4071	14	18	for	for	ADP
inlawrev-4071	14	19	prime	prime	ADJ
inlawrev-4071	14	20	loans	loan	NOUN
inlawrev-4071	14	21	.	.	PUNCT
inlawrev-4071	15	1	mike	mike	PROPN
inlawrev-4071	15	2	hudson	hudson	PROPN
inlawrev-4071	15	3	&	&	CCONJ
inlawrev-4071	15	4	e.	e.	PROPN
inlawrev-4071	15	5	scott	scott	PROPN
inlawrev-4071	15	6	reckard	reckard	PROPN
inlawrev-4071	15	7	,	,	PUNCT
inlawrev-4071	15	8	more	more	ADJ
inlawrev-4071	15	9	homeowners	homeowner	NOUN
inlawrev-4071	15	10	with	with	ADP
inlawrev-4071	15	11	good	good	ADJ
inlawrev-4071	15	12	credit	credit	NOUN
inlawrev-4071	15	13	getting	getting	AUX
inlawrev-4071	15	14	stuck	stick	VERB
inlawrev-4071	15	15	with	with	ADP
inlawrev-4071	15	16	higher	high	ADJ
inlawrev-4071	15	17	-	-	PUNCT
inlawrev-4071	15	18	rate	rate	NOUN
inlawrev-4071	15	19	loans	loan	NOUN
inlawrev-4071	15	20	,	,	PUNCT
inlawrev-4071	15	21	l.a	l.a	PROPN
inlawrev-4071	15	22	.	.	PROPN
inlawrev-4071	15	23	times	times	PROPN
inlawrev-4071	15	24	,	,	PUNCT
inlawrev-4071	15	25	oct	oct	PROPN
inlawrev-4071	15	26	.	.	PROPN
inlawrev-4071	15	27	24	24	NUM
inlawrev-4071	15	28	,	,	PUNCT
inlawrev-4071	15	29	2005	2005	NUM
inlawrev-4071	15	30	,	,	PUNCT
inlawrev-4071	15	31	at	at	ADP
inlawrev-4071	15	32	al	al	PROPN
inlawrev-4071	15	33	.	.	PROPN
inlawrev-4071	15	34	2	2	X
inlawrev-4071	15	35	.	.	X
inlawrev-4071	16	1	see	see	VERB
inlawrev-4071	16	2	brown	brown	PROPN
inlawrev-4071	16	3	,	,	PUNCT
inlawrev-4071	16	4	supra	supra	PROPN
inlawrev-4071	16	5	note	note	NOUN
inlawrev-4071	16	6	1	1	NUM
inlawrev-4071	16	7	,	,	PUNCT
inlawrev-4071	16	8	at	at	ADP
inlawrev-4071	16	9	2	2	NUM
inlawrev-4071	16	10	-	-	SYM
inlawrev-4071	16	11	6	6	NUM
inlawrev-4071	16	12	.	.	NOUN
inlawrev-4071	16	13	3	3	X
inlawrev-4071	16	14	.	.	X
inlawrev-4071	16	15	see	see	VERB
inlawrev-4071	16	16	saule	saule	PROPN
inlawrev-4071	16	17	t.	t.	PROPN
inlawrev-4071	16	18	omarova	omarova	PROPN
inlawrev-4071	16	19	,	,	PUNCT
inlawrev-4071	16	20	rethinking	rethink	VERB
inlawrev-4071	16	21	the	the	DET
inlawrev-4071	16	22	future	future	NOUN
inlawrev-4071	16	23	of	of	ADP
inlawrev-4071	16	24	self	self	NOUN
inlawrev-4071	16	25	-	-	PUNCT
inlawrev-4071	16	26	regulation	regulation	NOUN
inlawrev-4071	16	27	in	in	ADP
inlawrev-4071	16	28	the	the	DET
inlawrev-4071	16	29	financial	financial	ADJ
inlawrev-4071	16	30	industry	industry	NOUN
inlawrev-4071	16	31	,	,	PUNCT
inlawrev-4071	16	32	brook	brook	PROPN
inlawrev-4071	16	33	.	.	PUNCT
inlawrev-4071	17	1	j.	j.	PROPN
inlawrev-4071	17	2	int'l	int'l	PROPN
inlawrev-4071	17	3	l.	l.	PROPN
inlawrev-4071	17	4	(	(	PUNCT
inlawrev-4071	17	5	forthcoming	forthcoming	ADJ
inlawrev-4071	17	6	)	)	PUNCT
inlawrev-4071	17	7	.	.	PUNCT
inlawrev-4071	18	1	professor	professor	NOUN
inlawrev-4071	18	2	omarova	omarova	PROPN
inlawrev-4071	18	3	argues	argue	VERB
inlawrev-4071	18	4	that	that	SCONJ
inlawrev-4071	18	5	self	self	NOUN
inlawrev-4071	18	6	-	-	PUNCT
inlawrev-4071	18	7	regulation	regulation	NOUN
inlawrev-4071	18	8	in	in	ADP
inlawrev-4071	18	9	the	the	DET
inlawrev-4071	18	10	financial	financial	ADJ
inlawrev-4071	18	11	services	service	NOUN
inlawrev-4071	18	12	industry	industry	NOUN
inlawrev-4071	18	13	,	,	PUNCT
inlawrev-4071	18	14	in	in	ADP
inlawrev-4071	18	15	conjunction	conjunction	NOUN
inlawrev-4071	18	16	with	with	ADP
inlawrev-4071	18	17	government	government	NOUN
inlawrev-4071	18	18	regulation	regulation	NOUN
inlawrev-4071	18	19	,	,	PUNCT
inlawrev-4071	18	20	can	can	AUX
inlawrev-4071	18	21	play	play	VERB
inlawrev-4071	18	22	an	an	DET
inlawrev-4071	18	23	important	important	ADJ
inlawrev-4071	18	24	role	role	NOUN
inlawrev-4071	18	25	in	in	ADP
inlawrev-4071	18	26	minimizing	minimize	VERB
inlawrev-4071	18	27	and	and	CCONJ
inlawrev-4071	18	28	controlling	control	VERB
inlawrev-4071	18	29	systemic	systemic	ADJ
inlawrev-4071	18	30	risk	risk	NOUN
inlawrev-4071	18	31	.	.	PUNCT
inlawrev-4071	19	1	i	i	PRON
inlawrev-4071	19	2	d.	d.	PROPN
inlawrev-4071	19	3	4	4	NUM
inlawrev-4071	19	4	.	.	PUNCT
inlawrev-4071	19	5	brown	brown	ADJ
inlawrev-4071	19	6	,	,	PUNCT
inlawrev-4071	19	7	supra	supra	PROPN
inlawrev-4071	19	8	note	note	NOUN
inlawrev-4071	19	9	1	1	NUM
inlawrev-4071	19	10	,	,	PUNCT
inlawrev-4071	19	11	at	at	ADP
inlawrev-4071	19	12	1	1	NUM
inlawrev-4071	19	13	n.33	n.33	NOUN
inlawrev-4071	19	14	.	.	PUNCT
inlawrev-4071	20	1	"	"	PUNCT
inlawrev-4071	20	2	in	in	ADP
inlawrev-4071	20	3	1	1	NUM
inlawrev-4071	20	4	994	994	NUM
inlawrev-4071	20	5	,	,	PUNCT
inlawrev-4071	20	6	subprime	subprime	ADJ
inlawrev-4071	20	7	loans	loan	NOUN
inlawrev-4071	20	8	were	be	AUX
inlawrev-4071	20	9	fewer	few	ADJ
inlawrev-4071	20	10	than	than	ADP
inlawrev-4071	20	11	5	5	NUM
inlawrev-4071	20	12	percent	percent	NOUN
inlawrev-4071	20	13	of	of	ADP
inlawrev-4071	20	14	all	all	DET
inlawrev-4071	20	15	mortgage	mortgage	NOUN
inlawrev-4071	20	16	originations	origination	NOUN
inlawrev-4071	20	17	;	;	PUNCT
inlawrev-4071	20	18	their	their	PRON
inlawrev-4071	20	19	representation	representation	NOUN
inlawrev-4071	20	20	had	have	AUX
inlawrev-4071	20	21	grown	grow	VERB
inlawrev-4071	20	22	to	to	ADP
inlawrev-4071	20	23	13	13	NUM
inlawrev-4071	20	24	percent	percent	NOUN
inlawrev-4071	20	25	by	by	ADP
inlawrev-4071	20	26	1999	1999	NUM
inlawrev-4071	20	27	.	.	PUNCT
inlawrev-4071	20	28	"	"	PUNCT
inlawrev-4071	21	1	i	i	PRON
inlawrev-4071	21	2	d.	d.	PROPN
inlawrev-4071	21	3	(	(	PUNCT
inlawrev-4071	21	4	citation	citation	NOUN
inlawrev-4071	21	5	omitted	omit	VERB
inlawrev-4071	21	6	)	)	PUNCT
inlawrev-4071	21	7	;	;	PUNCT
inlawrev-4071	21	8	allen	allen	PROPN
inlawrev-4071	21	9	j.	j.	PROPN
inlawrev-4071	21	10	fishbein	fishbein	PROPN
inlawrev-4071	21	11	&	&	CCONJ
inlawrev-4071	21	12	patrick	patrick	PROPN
inlawrev-4071	21	13	woodall	woodall	PROPN
inlawrev-4071	21	14	,	,	PUNCT
inlawrev-4071	21	15	women	woman	NOUN
inlawrev-4071	21	16	are	be	AUX
inlawrev-4071	21	17	prime	prime	ADJ
inlawrev-4071	21	18	targets	target	NOUN
inlawrev-4071	21	19	for	for	ADP
inlawrev-4071	21	20	subprime	subprime	ADJ
inlawrev-4071	21	21	1218	1218	NUM
inlawrev-4071	21	22	indiana	indiana	PROPN
inlawrev-4071	21	23	law	law	PROPN
inlawrev-4071	21	24	review	review	NOUN
inlawrev-4071	21	25	[	[	X
inlawrev-4071	21	26	vol	vol	NOUN
inlawrev-4071	21	27	.	.	PUNCT
inlawrev-4071	22	1	43:1217	43:1217	NUM
inlawrev-4071	22	2	of	of	ADP
inlawrev-4071	22	3	loan	loan	NOUN
inlawrev-4071	22	4	originations	origination	NOUN
inlawrev-4071	22	5	were	be	AUX
inlawrev-4071	22	6	twenty	twenty	NUM
inlawrev-4071	22	7	percent	percent	NOUN
inlawrev-4071	22	8	in	in	ADP
inlawrev-4071	22	9	2006	2006	NUM
inlawrev-4071	22	10	,	,	PUNCT
inlawrev-4071	22	11	up	up	ADV
inlawrev-4071	22	12	from	from	ADP
inlawrev-4071	22	13	only	only	ADV
inlawrev-4071	22	14	nine	nine	NUM
inlawrev-4071	22	15	percent	percent	NOUN
inlawrev-4071	22	16	in	in	ADP
inlawrev-4071	22	17	1996.^	1996.^	NUM
inlawrev-4071	22	18	the	the	DET
inlawrev-4071	22	19	subsequent	subsequent	ADJ
inlawrev-4071	22	20	national	national	ADJ
inlawrev-4071	22	21	mortgage	mortgage	NOUN
inlawrev-4071	22	22	foreclosure	foreclosure	NOUN
inlawrev-4071	22	23	crisis	crisis	NOUN
inlawrev-4071	22	24	that	that	PRON
inlawrev-4071	22	25	seemed	seem	VERB
inlawrev-4071	22	26	almost	almost	ADV
inlawrev-4071	22	27	uncontrollable	uncontrollable	ADJ
inlawrev-4071	22	28	by	by	ADP
inlawrev-4071	22	29	2007	2007	NUM
inlawrev-4071	22	30	ignited	ignite	VERB
inlawrev-4071	22	31	a	a	DET
inlawrev-4071	22	32	mortgage	mortgage	NOUN
inlawrev-4071	22	33	-	-	PUNCT
inlawrev-4071	22	34	related	relate	VERB
inlawrev-4071	22	35	financial	financial	ADJ
inlawrev-4071	22	36	crisis	crisis	NOUN
inlawrev-4071	22	37	that	that	PRON
inlawrev-4071	22	38	affected	affect	VERB
inlawrev-4071	22	39	the	the	DET
inlawrev-4071	22	40	global	global	ADJ
inlawrev-4071	22	41	market	market	NOUN
inlawrev-4071	22	42	place.^	place.^	VERB
inlawrev-4071	22	43	news	news	NOUN
inlawrev-4071	22	44	media	medium	NOUN
inlawrev-4071	22	45	,	,	PUNCT
inlawrev-4071	22	46	business	business	NOUN
inlawrev-4071	22	47	reports	report	NOUN
inlawrev-4071	22	48	,	,	PUNCT
inlawrev-4071	22	49	government	government	NOUN
inlawrev-4071	22	50	investigations	investigation	NOUN
inlawrev-4071	22	51	,	,	PUNCT
inlawrev-4071	22	52	regulatory	regulatory	ADJ
inlawrev-4071	22	53	inquiries	inquiry	NOUN
inlawrev-4071	22	54	,	,	PUNCT
inlawrev-4071	22	55	and	and	CCONJ
inlawrev-4071	22	56	citizen	citizen	NOUN
inlawrev-4071	22	57	suits	suit	NOUN
inlawrev-4071	22	58	focused	focus	VERB
inlawrev-4071	22	59	national	national	ADJ
inlawrev-4071	22	60	attention	attention	NOUN
inlawrev-4071	22	61	on	on	ADP
inlawrev-4071	22	62	the	the	DET
inlawrev-4071	22	63	housing	housing	NOUN
inlawrev-4071	22	64	crisis	crisis	NOUN
inlawrev-4071	22	65	and	and	CCONJ
inlawrev-4071	22	66	the	the	DET
inlawrev-4071	22	67	problems	problem	NOUN
inlawrev-4071	22	68	attending	attend	VERB
inlawrev-4071	22	69	what	what	PRON
inlawrev-4071	22	70	soon	soon	ADV
inlawrev-4071	22	71	came	come	VERB
inlawrev-4071	22	72	to	to	PART
inlawrev-4071	22	73	be	be	AUX
inlawrev-4071	22	74	known	know	VERB
inlawrev-4071	22	75	as	as	ADP
inlawrev-4071	22	76	the	the	DET
inlawrev-4071	22	77	"	"	PUNCT
inlawrev-4071	22	78	mortgage	mortgage	NOUN
inlawrev-4071	22	79	meltdown	meltdown	NOUN
inlawrev-4071	22	80	.	.	PUNCT
inlawrev-4071	23	1	"^	"^	VERB
inlawrev-4071	23	2	a	a	DET
inlawrev-4071	23	3	dual	dual	ADJ
inlawrev-4071	23	4	mortgage	mortgage	NOUN
inlawrev-4071	23	5	market	market	NOUN
inlawrev-4071	23	6	had	have	AUX
inlawrev-4071	23	7	emerged	emerge	VERB
inlawrev-4071	23	8	in	in	ADP
inlawrev-4071	23	9	which	which	PRON
inlawrev-4071	23	10	subprime	subprime	ADJ
inlawrev-4071	23	11	lending	lending	NOUN
inlawrev-4071	23	12	disproportionately	disproportionately	ADV
inlawrev-4071	23	13	affected	affect	VERB
inlawrev-4071	23	14	minorities	minority	NOUN
inlawrev-4071	23	15	(	(	PUNCT
inlawrev-4071	23	16	particularly	particularly	ADV
inlawrev-4071	23	17	blacks	black	NOUN
inlawrev-4071	23	18	and	and	CCONJ
inlawrev-4071	23	19	hispanics	hispanic	NOUN
inlawrev-4071	23	20	)	)	PUNCT
inlawrev-4071	23	21	,	,	PUNCT
inlawrev-4071	23	22	women	woman	NOUN
inlawrev-4071	23	23	,	,	PUNCT
inlawrev-4071	23	24	and	and	CCONJ
inlawrev-4071	23	25	the	the	DET
inlawrev-4071	23	26	elderly.^	elderly.^	NUM
inlawrev-4071	23	27	evidence	evidence	NOUN
inlawrev-4071	23	28	of	of	ADP
inlawrev-4071	23	29	the	the	DET
inlawrev-4071	23	30	disparate	disparate	ADJ
inlawrev-4071	23	31	impact	impact	NOUN
inlawrev-4071	23	32	felt	feel	VERB
inlawrev-4071	23	33	by	by	ADP
inlawrev-4071	23	34	certain	certain	ADJ
inlawrev-4071	23	35	minority	minority	NOUN
inlawrev-4071	23	36	borrowers	borrower	NOUN
inlawrev-4071	23	37	is	be	AUX
inlawrev-4071	23	38	abundant	abundant	ADJ
inlawrev-4071	23	39	and	and	CCONJ
inlawrev-4071	23	40	the	the	DET
inlawrev-4071	23	41	evidence	evidence	NOUN
inlawrev-4071	23	42	ofgender	ofgender	NOUN
inlawrev-4071	23	43	disparities	disparity	NOUN
inlawrev-4071	23	44	in	in	ADP
inlawrev-4071	23	45	subprime	subprime	ADJ
inlawrev-4071	23	46	lending	lending	NOUN
inlawrev-4071	23	47	is	be	AUX
inlawrev-4071	23	48	intriguing	intriguing	ADJ
inlawrev-4071	23	49	.	.	PUNCT
inlawrev-4071	24	1	i	i	PRON
inlawrev-4071	24	2	described	describe	VERB
inlawrev-4071	24	3	the	the	DET
inlawrev-4071	24	4	problem	problem	NOUN
inlawrev-4071	24	5	of	of	ADP
inlawrev-4071	24	6	intentional	intentional	ADJ
inlawrev-4071	24	7	steering	steering	NOUN
inlawrev-4071	24	8	of	of	ADP
inlawrev-4071	24	9	black	black	ADJ
inlawrev-4071	24	10	borrowers	borrower	NOUN
inlawrev-4071	24	11	into	into	ADP
inlawrev-4071	24	12	subprime	subprime	ADJ
inlawrev-4071	24	13	products	product	NOUN
inlawrev-4071	24	14	in	in	ADP
inlawrev-4071	24	15	an	an	DET
inlawrev-4071	24	16	earlier	early	ADJ
inlawrev-4071	24	17	article.^	article.^	NOUN
inlawrev-4071	24	18	i	i	PRON
inlawrev-4071	24	19	argued	argue	VERB
inlawrev-4071	24	20	that	that	SCONJ
inlawrev-4071	24	21	the	the	DET
inlawrev-4071	24	22	evidence	evidence	NOUN
inlawrev-4071	24	23	of	of	ADP
inlawrev-4071	24	24	disparate	disparate	ADJ
inlawrev-4071	24	25	impact	impact	NOUN
inlawrev-4071	24	26	felt	feel	VERB
inlawrev-4071	24	27	by	by	ADP
inlawrev-4071	24	28	minorities	minority	NOUN
inlawrev-4071	24	29	,	,	PUNCT
inlawrev-4071	24	30	combined	combine	VERB
inlawrev-4071	24	31	with	with	ADP
inlawrev-4071	24	32	compelling	compelling	ADJ
inlawrev-4071	24	33	statistical	statistical	ADJ
inlawrev-4071	24	34	data	datum	NOUN
inlawrev-4071	24	35	developed	develop	VERB
inlawrev-4071	24	36	in	in	ADP
inlawrev-4071	24	37	the	the	DET
inlawrev-4071	24	38	course	course	NOUN
inlawrev-4071	24	39	of	of	ADP
inlawrev-4071	24	40	my	my	PRON
inlawrev-4071	24	41	research	research	NOUN
inlawrev-4071	24	42	on	on	ADP
inlawrev-4071	24	43	this	this	DET
inlawrev-4071	24	44	issue	issue	NOUN
inlawrev-4071	24	45	,	,	PUNCT
inlawrev-4071	24	46	made	make	VERB
inlawrev-4071	24	47	the	the	DET
inlawrev-4071	24	48	case	case	NOUN
inlawrev-4071	24	49	for	for	ADP
inlawrev-4071	24	50	a	a	DET
inlawrev-4071	24	51	finding	finding	NOUN
inlawrev-4071	24	52	of	of	ADP
inlawrev-4071	24	53	not	not	PART
inlawrev-4071	24	54	only	only	ADV
inlawrev-4071	24	55	disparate	disparate	ADJ
inlawrev-4071	24	56	impact	impact	NOUN
inlawrev-4071	24	57	but	but	CCONJ
inlawrev-4071	24	58	of	of	ADP
inlawrev-4071	24	59	steering	steering	NOUN
inlawrev-4071	24	60	—	—	PUNCT
inlawrev-4071	24	61	intentional	intentional	ADJ
inlawrev-4071	24	62	discrimination—^based	discrimination—^base	VERB
inlawrev-4071	24	63	upon	upon	SCONJ
inlawrev-4071	24	64	race.^^	race.^^	NOUN
inlawrev-4071	24	65	equally	equally	ADV
inlawrev-4071	24	66	compelling	compelling	ADJ
inlawrev-4071	24	67	is	be	AUX
inlawrev-4071	24	68	the	the	DET
inlawrev-4071	24	69	credible	credible	ADJ
inlawrev-4071	24	70	evidence	evidence	NOUN
inlawrev-4071	24	71	that	that	SCONJ
inlawrev-4071	24	72	subprime	subprime	ADJ
inlawrev-4071	24	73	lending	lending	NOUN
inlawrev-4071	24	74	and	and	CCONJ
inlawrev-4071	24	75	the	the	DET
inlawrev-4071	24	76	foreclosure	foreclosure	NOUN
inlawrev-4071	24	77	of	of	ADP
inlawrev-4071	24	78	these	these	DET
inlawrev-4071	24	79	subprime	subprime	ADJ
inlawrev-4071	24	80	mortgage	mortgage	NOUN
inlawrev-4071	24	81	loans	loan	NOUN
inlawrev-4071	24	82	especially	especially	ADV
inlawrev-4071	24	83	affected	affect	VERB
inlawrev-4071	24	84	women	woman	NOUN
inlawrev-4071	24	85	.	.	PUNCT
inlawrev-4071	25	1	the	the	DET
inlawrev-4071	25	2	income	income	NOUN
inlawrev-4071	25	3	gap	gap	NOUN
inlawrev-4071	25	4	between	between	ADP
inlawrev-4071	25	5	women	woman	NOUN
inlawrev-4071	25	6	and	and	CCONJ
inlawrev-4071	25	7	men	man	NOUN
inlawrev-4071	25	8	has	have	AUX
inlawrev-4071	25	9	narrowed	narrow	VERB
inlawrev-4071	25	10	considerably	considerably	ADV
inlawrev-4071	25	11	in	in	ADP
inlawrev-4071	25	12	recent	recent	ADJ
inlawrev-4071	25	13	years	year	NOUN
inlawrev-4071	25	14	and	and	CCONJ
inlawrev-4071	25	15	,	,	PUNCT
inlawrev-4071	25	16	not	not	PART
inlawrev-4071	25	17	surprisingly	surprisingly	ADV
inlawrev-4071	25	18	,	,	PUNCT
inlawrev-4071	25	19	single	single	ADJ
inlawrev-4071	25	20	women	woman	NOUN
inlawrev-4071	25	21	are	be	AUX
inlawrev-4071	25	22	making	make	VERB
inlawrev-4071	25	23	up	up	ADP
inlawrev-4071	25	24	an	an	DET
inlawrev-4071	25	25	ever	ever	ADV
inlawrev-4071	25	26	-	-	PUNCT
inlawrev-4071	25	27	increasing	increase	VERB
inlawrev-4071	25	28	share	share	NOUN
inlawrev-4071	25	29	ofthe	ofthe	NOUN
inlawrev-4071	25	30	ranks	rank	NOUN
inlawrev-4071	25	31	of	of	ADP
inlawrev-4071	25	32	new	new	ADJ
inlawrev-4071	25	33	homebuyers	homebuyer	NOUN
inlawrev-4071	25	34	.	.	PUNCT
inlawrev-4071	26	1	in	in	ADP
inlawrev-4071	26	2	1995	1995	NUM
inlawrev-4071	26	3	,	,	PUNCT
inlawrev-4071	26	4	single	single	ADJ
inlawrev-4071	26	5	women	woman	NOUN
inlawrev-4071	26	6	were	be	AUX
inlawrev-4071	26	7	fourteen	fourteen	NUM
inlawrev-4071	26	8	percent	percent	NOUN
inlawrev-4071	26	9	of	of	ADP
inlawrev-4071	26	10	lending	lending	NOUN
inlawrev-4071	26	11	:	:	PUNCT
inlawrev-4071	26	12	women	woman	NOUN
inlawrev-4071	26	13	are	be	AUX
inlawrev-4071	26	14	disproportionately	disproportionately	ADV
inlawrev-4071	26	15	represented	represent	VERB
inlawrev-4071	26	16	in	in	ADP
inlawrev-4071	26	17	high	high	ADJ
inlawrev-4071	26	18	-	-	PUNCT
inlawrev-4071	26	19	cost	cost	NOUN
inlawrev-4071	26	20	mortgage	mortgage	NOUN
inlawrev-4071	26	21	market	market	NOUN
inlawrev-4071	26	22	1	1	NUM
inlawrev-4071	26	23	(	(	PUNCT
inlawrev-4071	26	24	consumer	consumer	NOUN
inlawrev-4071	26	25	fed'n	fed'n	NOUN
inlawrev-4071	26	26	am	be	AUX
inlawrev-4071	26	27	.	.	PUNCT
inlawrev-4071	27	1	2006	2006	NUM
inlawrev-4071	27	2	)	)	PUNCT
inlawrev-4071	27	3	.	.	PUNCT
inlawrev-4071	28	1	in	in	ADP
inlawrev-4071	28	2	2004	2004	NUM
inlawrev-4071	28	3	,	,	PUNCT
inlawrev-4071	28	4	subprime	subprime	ADJ
inlawrev-4071	28	5	loans	loan	NOUN
inlawrev-4071	28	6	were	be	AUX
inlawrev-4071	28	7	twenty	twenty	NUM
inlawrev-4071	28	8	percent	percent	NOUN
inlawrev-4071	28	9	of	of	ADP
inlawrev-4071	28	10	all	all	DET
inlawrev-4071	28	11	conventional	conventional	ADJ
inlawrev-4071	28	12	mortgage	mortgage	NOUN
inlawrev-4071	28	13	originations	origination	NOUN
inlawrev-4071	28	14	.	.	PUNCT
inlawrev-4071	29	1	i	i	PRON
inlawrev-4071	29	2	d.	d.	PROPN
inlawrev-4071	29	3	at	at	ADP
inlawrev-4071	29	4	2	2	NUM
inlawrev-4071	29	5	(	(	PUNCT
inlawrev-4071	29	6	citing	cite	VERB
inlawrev-4071	29	7	robert	robert	PROPN
inlawrev-4071	29	8	b.	b.	PROPN
inlawrev-4071	29	9	avery	avery	PROPN
inlawrev-4071	29	10	et	et	PROPN
inlawrev-4071	29	11	al	al	PROPN
inlawrev-4071	29	12	.	.	PROPN
inlawrev-4071	29	13	,	,	PUNCT
inlawrev-4071	29	14	higher	higher	ADV
inlawrev-4071	29	15	-	-	PUNCT
inlawrev-4071	29	16	priced	price	VERB
inlawrev-4071	29	17	home	home	NOUN
inlawrev-4071	29	18	lending	lending	NOUN
inlawrev-4071	29	19	and	and	CCONJ
inlawrev-4071	29	20	the	the	DET
inlawrev-4071	29	21	2005	2005	NUM
inlawrev-4071	29	22	hmda	hmda	ADJ
inlawrev-4071	29	23	data	datum	NOUN
inlawrev-4071	29	24	,	,	PUNCT
inlawrev-4071	29	25	fed	fed	PROPN
inlawrev-4071	29	26	.	.	PUNCT
inlawrev-4071	29	27	reserve	reserve	PROPN
inlawrev-4071	29	28	bull	bull	PROPN
inlawrev-4071	29	29	.	.	PUNCT
inlawrev-4071	29	30	,	,	PUNCT
inlawrev-4071	29	31	at	at	ADP
inlawrev-4071	29	32	a125	a125	PROPN
inlawrev-4071	29	33	(	(	PUNCT
inlawrev-4071	29	34	summer	summer	NOUN
inlawrev-4071	29	35	2006	2006	NUM
inlawrev-4071	29	36	)	)	PUNCT
inlawrev-4071	29	37	.	.	PUNCT
inlawrev-4071	30	1	using	use	VERB
inlawrev-4071	30	2	hmda	hmda	ADJ
inlawrev-4071	30	3	reported	report	VERB
inlawrev-4071	30	4	loans	loan	NOUN
inlawrev-4071	30	5	,	,	PUNCT
inlawrev-4071	30	6	federal	federal	ADJ
inlawrev-4071	30	7	financial	financial	ADJ
inlawrev-4071	30	8	institutions	institution	NOUN
inlawrev-4071	30	9	examinations	examination	NOUN
inlawrev-4071	30	10	council	council	PROPN
inlawrev-4071	30	11	(	(	PUNCT
inlawrev-4071	30	12	ffiec	ffiec	NOUN
inlawrev-4071	30	13	)	)	PUNCT
inlawrev-4071	30	14	reported	report	VERB
inlawrev-4071	30	15	the	the	DET
inlawrev-4071	30	16	rate	rate	NOUN
inlawrev-4071	30	17	of	of	ADP
inlawrev-4071	30	18	subprime	subprime	ADJ
inlawrev-4071	30	19	loans	loan	NOUN
inlawrev-4071	30	20	at	at	ADP
inlawrev-4071	30	21	twenty	twenty	NUM
inlawrev-4071	30	22	-	-	PUNCT
inlawrev-4071	30	23	nine	nine	NUM
inlawrev-4071	30	24	percent	percent	NOUN
inlawrev-4071	30	25	in	in	ADP
inlawrev-4071	30	26	2006	2006	NUM
inlawrev-4071	30	27	,	,	PUNCT
inlawrev-4071	30	28	eighteen	eighteen	NUM
inlawrev-4071	30	29	percent	percent	NOUN
inlawrev-4071	30	30	in	in	ADP
inlawrev-4071	30	31	2007	2007	NUM
inlawrev-4071	30	32	,	,	PUNCT
inlawrev-4071	30	33	and	and	CCONJ
inlawrev-4071	30	34	twelve	twelve	NUM
inlawrev-4071	30	35	percent	percent	NOUN
inlawrev-4071	30	36	in	in	ADP
inlawrev-4071	30	37	2008	2008	NUM
inlawrev-4071	30	38	evidencing	evidence	VERB
inlawrev-4071	30	39	the	the	DET
inlawrev-4071	30	40	peak	peak	NOUN
inlawrev-4071	30	41	in	in	ADP
inlawrev-4071	30	42	2006	2006	NUM
inlawrev-4071	30	43	and	and	CCONJ
inlawrev-4071	30	44	the	the	DET
inlawrev-4071	30	45	subsequent	subsequent	ADJ
inlawrev-4071	30	46	decline	decline	NOUN
inlawrev-4071	30	47	.	.	PUNCT
inlawrev-4071	31	1	press	press	NOUN
inlawrev-4071	31	2	release	release	NOUN
inlawrev-4071	31	3	,	,	PUNCT
inlawrev-4071	31	4	federal	federal	ADJ
inlawrev-4071	31	5	financial	financial	ADJ
inlawrev-4071	31	6	institutions	institution	NOUN
inlawrev-4071	31	7	examination	examination	PROPN
inlawrev-4071	31	8	council	council	PROPN
inlawrev-4071	31	9	(	(	PUNCT
inlawrev-4071	31	10	sept	sept	PROPN
inlawrev-4071	31	11	30	30	NUM
inlawrev-4071	31	12	,	,	PUNCT
inlawrev-4071	31	13	2009	2009	NUM
inlawrev-4071	31	14	)	)	PUNCT
inlawrev-4071	31	15	,	,	PUNCT
inlawrev-4071	31	16	available	available	ADJ
inlawrev-4071	31	17	at	at	ADP
inlawrev-4071	31	18	http://www.ffiec.gov/hmcrpr/	http://www.ffiec.gov/hmcrpr/	X
inlawrev-4071	31	19	hm093009.htm	hm093009.htm	PROPN
inlawrev-4071	31	20	;	;	PUNCT
inlawrev-4071	31	21	hal	hal	PROPN
inlawrev-4071	31	22	s.	s.	PROPN
inlawrev-4071	31	23	scott	scott	PROPN
inlawrev-4071	31	24	,	,	PUNCT
inlawrev-4071	31	25	the	the	DET
inlawrev-4071	31	26	global	global	ADJ
inlawrev-4071	31	27	financial	financial	ADJ
inlawrev-4071	31	28	crisis	crisis	NOUN
inlawrev-4071	31	29	2	2	NUM
inlawrev-4071	31	30	-	-	SYM
inlawrev-4071	31	31	3	3	NUM
inlawrev-4071	31	32	(	(	PUNCT
inlawrev-4071	31	33	2009	2009	NUM
inlawrev-4071	31	34	)	)	PUNCT
inlawrev-4071	31	35	.	.	PUNCT
inlawrev-4071	32	1	5	5	X
inlawrev-4071	32	2	.	.	X
inlawrev-4071	32	3	katalina	katalina	PROPN
inlawrev-4071	32	4	m.	m.	PROPN
inlawrev-4071	32	5	bianco	bianco	PROPN
inlawrev-4071	32	6	,	,	PUNCT
inlawrev-4071	32	7	the	the	DET
inlawrev-4071	32	8	subprime	subprime	ADJ
inlawrev-4071	32	9	lending	lending	NOUN
inlawrev-4071	32	10	crisis	crisis	NOUN
inlawrev-4071	32	11	:	:	PUNCT
inlawrev-4071	32	12	causes	cause	NOUN
inlawrev-4071	32	13	and	and	CCONJ
inlawrev-4071	32	14	effects	effect	NOUN
inlawrev-4071	32	15	of	of	ADP
inlawrev-4071	32	16	the	the	DET
inlawrev-4071	32	17	mortgage	mortgage	NOUN
inlawrev-4071	32	18	meltdown	meltdown	NOUN
inlawrev-4071	32	19	6	6	NUM
inlawrev-4071	32	20	(	(	PUNCT
inlawrev-4071	32	21	cch	cch	NOUN
inlawrev-4071	32	22	2008	2008	NUM
inlawrev-4071	32	23	)	)	PUNCT
inlawrev-4071	32	24	.	.	PUNCT
inlawrev-4071	33	1	6	6	X
inlawrev-4071	33	2	.	.	X
inlawrev-4071	33	3	scott	scott	PROPN
inlawrev-4071	33	4	,	,	PUNCT
inlawrev-4071	33	5	5mf	5mf	ADJ
inlawrev-4071	33	6	>	>	X
inlawrev-4071	33	7	ra	ra	PROPN
inlawrev-4071	33	8	note	note	NOUN
inlawrev-4071	33	9	4	4	NUM
inlawrev-4071	33	10	,	,	PUNCT
inlawrev-4071	33	11	at	at	ADP
inlawrev-4071	33	12	168	168	NUM
inlawrev-4071	33	13	-	-	SYM
inlawrev-4071	33	14	73	73	NUM
inlawrev-4071	33	15	.	.	PUNCT
inlawrev-4071	34	1	7	7	X
inlawrev-4071	34	2	.	.	X
inlawrev-4071	34	3	see	see	VERB
inlawrev-4071	34	4	mortgage	mortgage	NOUN
inlawrev-4071	34	5	meltdown	meltdown	NOUN
inlawrev-4071	34	6	,	,	PUNCT
inlawrev-4071	34	7	http://money.cnn.com/real_estate/foreclosures	http://money.cnn.com/real_estate/foreclosures	PROPN
inlawrev-4071	34	8	(	(	PUNCT
inlawrev-4071	34	9	last	last	ADJ
inlawrev-4071	34	10	visited	visit	VERB
inlawrev-4071	34	11	may	may	PROPN
inlawrev-4071	34	12	16	16	NUM
inlawrev-4071	34	13	,	,	PUNCT
inlawrev-4071	34	14	2010	2010	NUM
inlawrev-4071	34	15	)	)	PUNCT
inlawrev-4071	34	16	.	.	PUNCT
inlawrev-4071	35	1	8	8	X
inlawrev-4071	35	2	.	.	X
inlawrev-4071	35	3	brown	brown	PROPN
inlawrev-4071	35	4	,	,	PUNCT
inlawrev-4071	35	5	supra	supra	PROPN
inlawrev-4071	35	6	note	note	NOUN
inlawrev-4071	35	7	1	1	NUM
inlawrev-4071	35	8	,	,	PUNCT
inlawrev-4071	35	9	at	at	ADP
inlawrev-4071	35	10	8	8	NUM
inlawrev-4071	35	11	,	,	PUNCT
inlawrev-4071	35	12	34	34	NUM
inlawrev-4071	35	13	,	,	PUNCT
inlawrev-4071	35	14	43	43	NUM
inlawrev-4071	35	15	(	(	PUNCT
inlawrev-4071	35	16	discussing	discuss	VERB
inlawrev-4071	35	17	testimony	testimony	NOUN
inlawrev-4071	35	18	of	of	ADP
inlawrev-4071	35	19	a	a	DET
inlawrev-4071	35	20	former	former	ADJ
inlawrev-4071	35	21	loan	loan	NOUN
inlawrev-4071	35	22	officer	officer	NOUN
inlawrev-4071	35	23	with	with	ADP
inlawrev-4071	35	24	citifinancial	citifinancial	ADJ
inlawrev-4071	35	25	who	who	PRON
inlawrev-4071	35	26	admitted	admit	VERB
inlawrev-4071	35	27	to	to	ADP
inlawrev-4071	35	28	targeting	target	VERB
inlawrev-4071	35	29	minorities	minority	NOUN
inlawrev-4071	35	30	and	and	CCONJ
inlawrev-4071	35	31	the	the	DET
inlawrev-4071	35	32	elderly	elderly	ADJ
inlawrev-4071	35	33	for	for	ADP
inlawrev-4071	35	34	expensive	expensive	ADJ
inlawrev-4071	35	35	products	product	NOUN
inlawrev-4071	35	36	)	)	PUNCT
inlawrev-4071	35	37	;	;	PUNCT
inlawrev-4071	35	38	see	see	VERB
inlawrev-4071	35	39	also	also	ADV
inlawrev-4071	35	40	regina	regina	PROPN
inlawrev-4071	35	41	austin	austin	PROPN
inlawrev-4071	35	42	,	,	PUNCT
inlawrev-4071	35	43	ofpredatory	ofpredatory	ADJ
inlawrev-4071	35	44	lending	lending	NOUN
inlawrev-4071	35	45	and	and	CCONJ
inlawrev-4071	35	46	the	the	DET
inlawrev-4071	35	47	democratization	democratization	NOUN
inlawrev-4071	35	48	of	of	ADP
inlawrev-4071	35	49	credit	credit	NOUN
inlawrev-4071	35	50	:	:	PUNCT
inlawrev-4071	35	51	preserving	preserve	VERB
inlawrev-4071	35	52	the	the	DET
inlawrev-4071	35	53	social	social	ADJ
inlawrev-4071	35	54	safety	safety	NOUN
inlawrev-4071	35	55	net	net	ADJ
inlawrev-4071	35	56	ofinformality	ofinformality	NOUN
inlawrev-4071	35	57	in	in	ADP
inlawrev-4071	35	58	small	small	ADJ
inlawrev-4071	35	59	-	-	PUNCT
inlawrev-4071	35	60	loan	loan	NOUN
inlawrev-4071	35	61	transactions	transaction	NOUN
inlawrev-4071	35	62	,	,	PUNCT
inlawrev-4071	35	63	53	53	NUM
inlawrev-4071	35	64	am	am	NOUN
inlawrev-4071	35	65	.	.	PUNCT
inlawrev-4071	36	1	u.	u.	PROPN
inlawrev-4071	36	2	l.	l.	PROPN
inlawrev-4071	36	3	rev	rev	PROPN
inlawrev-4071	36	4	.	.	PROPN
inlawrev-4071	36	5	1217	1217	NUM
inlawrev-4071	36	6	(	(	PUNCT
inlawrev-4071	36	7	2004	2004	NUM
inlawrev-4071	36	8	)	)	PUNCT
inlawrev-4071	36	9	.	.	PUNCT
inlawrev-4071	37	1	austin	austin	PROPN
inlawrev-4071	37	2	discusses	discuss	VERB
inlawrev-4071	37	3	predatory	predatory	ADJ
inlawrev-4071	37	4	lending	lending	NOUN
inlawrev-4071	37	5	and	and	CCONJ
inlawrev-4071	37	6	the	the	DET
inlawrev-4071	37	7	problems	problem	NOUN
inlawrev-4071	37	8	some	some	DET
inlawrev-4071	37	9	targeted	targeted	ADJ
inlawrev-4071	37	10	consumers	consumer	NOUN
inlawrev-4071	37	11	experience	experience	VERB
inlawrev-4071	37	12	in	in	ADP
inlawrev-4071	37	13	getting	get	VERB
inlawrev-4071	37	14	credit	credit	NOUN
inlawrev-4071	37	15	.	.	PUNCT
inlawrev-4071	38	1	"	"	PUNCT
inlawrev-4071	38	2	examples	example	NOUN
inlawrev-4071	38	3	oftargeted	oftargete	VERB
inlawrev-4071	38	4	consumers	consumer	NOUN
inlawrev-4071	38	5	include	include	VERB
inlawrev-4071	38	6	women	woman	NOUN
inlawrev-4071	38	7	,	,	PUNCT
inlawrev-4071	38	8	minorities	minority	NOUN
inlawrev-4071	38	9	,	,	PUNCT
inlawrev-4071	38	10	low	low	ADJ
inlawrev-4071	38	11	-	-	PUNCT
inlawrev-4071	38	12	income	income	NOUN
inlawrev-4071	38	13	wage	wage	NOUN
inlawrev-4071	38	14	earners	earner	NOUN
inlawrev-4071	38	15	,	,	PUNCT
inlawrev-4071	38	16	and	and	CCONJ
inlawrev-4071	38	17	senior	senior	ADJ
inlawrev-4071	38	18	citizens	citizen	NOUN
inlawrev-4071	38	19	.	.	PUNCT
inlawrev-4071	38	20	"	"	PUNCT
inlawrev-4071	39	1	i	i	PRON
inlawrev-4071	39	2	d.	d.	PROPN
inlawrev-4071	39	3	at	at	ADP
inlawrev-4071	39	4	1219	1219	NUM
inlawrev-4071	39	5	.	.	PUNCT
inlawrev-4071	40	1	for	for	ADP
inlawrev-4071	40	2	purposes	purpose	NOUN
inlawrev-4071	40	3	of	of	ADP
inlawrev-4071	40	4	this	this	DET
inlawrev-4071	40	5	essay	essay	NOUN
inlawrev-4071	40	6	and	and	CCONJ
inlawrev-4071	40	7	unless	unless	SCONJ
inlawrev-4071	40	8	otherwise	otherwise	ADV
inlawrev-4071	40	9	stated	state	VERB
inlawrev-4071	40	10	,	,	PUNCT
inlawrev-4071	40	11	the	the	DET
inlawrev-4071	40	12	term	term	NOUN
inlawrev-4071	40	13	hispanic	hispanic	NOUN
inlawrev-4071	40	14	refers	refer	VERB
inlawrev-4071	40	15	to	to	ADP
inlawrev-4071	40	16	non	non	ADJ
inlawrev-4071	40	17	-	-	ADJ
inlawrev-4071	40	18	white	white	ADJ
inlawrev-4071	40	19	hispanics	hispanic	NOUN
inlawrev-4071	40	20	.	.	PUNCT
inlawrev-4071	41	1	9	9	X
inlawrev-4071	41	2	.	.	X
inlawrev-4071	41	3	see	see	VERB
inlawrev-4071	41	4	brown	brown	PROPN
inlawrev-4071	41	5	,	,	PUNCT
inlawrev-4071	41	6	supra	supra	PROPN
inlawrev-4071	41	7	note	note	NOUN
inlawrev-4071	41	8	1	1	NUM
inlawrev-4071	41	9	,	,	PUNCT
inlawrev-4071	41	10	at	at	ADP
inlawrev-4071	41	11	8	8	NUM
inlawrev-4071	41	12	.	.	PUNCT
inlawrev-4071	41	13	10	10	NUM
inlawrev-4071	41	14	.	.	X
inlawrev-4071	42	1	mat	mat	PROPN
inlawrev-4071	42	2	33	33	NUM
inlawrev-4071	42	3	-	-	PUNCT
inlawrev-4071	42	4	41	41	NUM
inlawrev-4071	42	5	.	.	PUNCT
inlawrev-4071	43	1	2010	2010	NUM
inlawrev-4071	43	2	]	]	PUNCT
inlawrev-4071	43	3	women	woman	NOUN
inlawrev-4071	43	4	and	and	CCONJ
inlawrev-4071	43	5	subprime	subprime	ADJ
inlawrev-4071	43	6	lending	lending	NOUN
inlawrev-4071	43	7	1219	1219	NUM
inlawrev-4071	43	8	homebuyers	homebuyer	NOUN
inlawrev-4071	43	9	,	,	PUNCT
inlawrev-4071	43	10	which	which	PRON
inlawrev-4071	43	11	increased	increase	VERB
inlawrev-4071	43	12	to	to	ADP
inlawrev-4071	43	13	twenty	twenty	NUM
inlawrev-4071	43	14	-	-	PUNCT
inlawrev-4071	43	15	one	one	NUM
inlawrev-4071	43	16	percent	percent	NOUN
inlawrev-4071	43	17	by	by	ADP
inlawrev-4071	43	18	2003.'^	2003.'^	NOUN
inlawrev-4071	43	19	the	the	DET
inlawrev-4071	43	20	numbers	number	NOUN
inlawrev-4071	43	21	were	be	AUX
inlawrev-4071	43	22	relatively	relatively	ADV
inlawrev-4071	43	23	stable	stable	ADJ
inlawrev-4071	43	24	for	for	ADP
inlawrev-4071	43	25	2008	2008	NUM
inlawrev-4071	43	26	at	at	ADP
inlawrev-4071	43	27	twenty	twenty	NUM
inlawrev-4071	43	28	percent	percent	NOUN
inlawrev-4071	43	29	and	and	CCONJ
inlawrev-4071	43	30	twenty	twenty	NUM
inlawrev-4071	43	31	-	-	PUNCT
inlawrev-4071	43	32	one	one	NUM
inlawrev-4071	43	33	percent	percent	NOUN
inlawrev-4071	43	34	for	for	ADP
inlawrev-4071	43	35	2009	2009	NUM
inlawrev-4071	43	36	.	.	PUNCT
inlawrev-4071	43	37	''	''	PUNCT
inlawrev-4071	44	1	professor	professor	PROPN
inlawrev-4071	44	2	anita	anita	PROPN
inlawrev-4071	44	3	hill	hill	PROPN
inlawrev-4071	44	4	has	have	AUX
inlawrev-4071	44	5	written	write	VERB
inlawrev-4071	44	6	that	that	SCONJ
inlawrev-4071	44	7	"	"	PUNCT
inlawrev-4071	44	8	[	[	X
inlawrev-4071	44	9	fjor	fjor	ADJ
inlawrev-4071	44	10	women	woman	NOUN
inlawrev-4071	44	11	,	,	PUNCT
inlawrev-4071	44	12	the	the	DET
inlawrev-4071	44	13	impact	impact	NOUN
inlawrev-4071	44	14	of	of	ADP
inlawrev-4071	44	15	problems	problem	NOUN
inlawrev-4071	44	16	in	in	ADP
inlawrev-4071	44	17	the	the	DET
inlawrev-4071	44	18	lending	lending	NOUN
inlawrev-4071	44	19	industry	industry	NOUN
inlawrev-4071	44	20	crosses	crosse	NOUN
inlawrev-4071	44	21	age	age	NOUN
inlawrev-4071	44	22	,	,	PUNCT
inlawrev-4071	44	23	class	class	NOUN
inlawrev-4071	44	24	,	,	PUNCT
inlawrev-4071	44	25	and	and	CCONJ
inlawrev-4071	44	26	racial	racial	ADJ
inlawrev-4071	44	27	lines	line	NOUN
inlawrev-4071	44	28	as	as	ADV
inlawrev-4071	44	29	well	well	ADV
inlawrev-4071	44	30	as	as	ADP
inlawrev-4071	44	31	neighborhoods	neighborhood	NOUN
inlawrev-4071	44	32	.	.	PUNCT
inlawrev-4071	45	1	"'^	"'^	NUM
inlawrev-4071	46	1	the	the	DET
inlawrev-4071	46	2	center	center	NOUN
inlawrev-4071	46	3	for	for	ADP
inlawrev-4071	46	4	american	american	ADJ
inlawrev-4071	46	5	progress	progress	NOUN
inlawrev-4071	46	6	recently	recently	ADV
inlawrev-4071	46	7	reported	report	VERB
inlawrev-4071	46	8	that	that	SCONJ
inlawrev-4071	46	9	unmarried	unmarried	ADJ
inlawrev-4071	46	10	women	woman	NOUN
inlawrev-4071	46	11	...	...	PUNCT
inlawrev-4071	46	12	are	be	AUX
inlawrev-4071	46	13	among	among	ADP
inlawrev-4071	46	14	the	the	DET
inlawrev-4071	46	15	hardest	hard	ADV
inlawrev-4071	46	16	hit	hit	VERB
inlawrev-4071	46	17	by	by	ADP
inlawrev-4071	46	18	the	the	DET
inlawrev-4071	46	19	deception	deception	NOUN
inlawrev-4071	46	20	,	,	PUNCT
inlawrev-4071	46	21	usury	usury	NOUN
inlawrev-4071	46	22	and	and	CCONJ
inlawrev-4071	46	23	other	other	ADJ
inlawrev-4071	46	24	predatory	predatory	ADJ
inlawrev-4071	46	25	lending	lending	NOUN
inlawrev-4071	46	26	practices	practice	NOUN
inlawrev-4071	46	27	that	that	PRON
inlawrev-4071	46	28	were	be	AUX
inlawrev-4071	46	29	a	a	DET
inlawrev-4071	46	30	key	key	ADJ
inlawrev-4071	46	31	part	part	NOUN
inlawrev-4071	46	32	of	of	ADP
inlawrev-4071	46	33	the	the	DET
inlawrev-4071	46	34	recent	recent	ADJ
inlawrev-4071	46	35	credit	credit	NOUN
inlawrev-4071	46	36	crisis	crisis	NOUN
inlawrev-4071	46	37	.	.	PUNCT
inlawrev-4071	46	38	.	.	PUNCT
inlawrev-4071	46	39	.	.	PUNCT
inlawrev-4071	47	1	[	[	X
inlawrev-4071	47	2	and	and	CCONJ
inlawrev-4071	47	3	that	that	SCONJ
inlawrev-4071	47	4	]	]	PUNCT
inlawrev-4071	47	5	mortgage	mortgage	NOUN
inlawrev-4071	47	6	brokers	broker	NOUN
inlawrev-4071	47	7	and	and	CCONJ
inlawrev-4071	47	8	lenders	lender	NOUN
inlawrev-4071	47	9	disproportionately	disproportionately	ADV
inlawrev-4071	47	10	sold	sell	VERB
inlawrev-4071	47	11	subprime	subprime	ADJ
inlawrev-4071	47	12	mortgages	mortgage	NOUN
inlawrev-4071	47	13	to	to	ADP
inlawrev-4071	47	14	women	woman	NOUN
inlawrev-4071	47	15	on	on	ADP
inlawrev-4071	47	16	their	their	PRON
inlawrev-4071	47	17	own	own	ADJ
inlawrev-4071	47	18	even	even	ADV
inlawrev-4071	47	19	when	when	SCONJ
inlawrev-4071	47	20	they	they	PRON
inlawrev-4071	47	21	could	could	AUX
inlawrev-4071	47	22	have	have	AUX
inlawrev-4071	47	23	qualified	qualify	VERB
inlawrev-4071	47	24	for	for	ADP
inlawrev-4071	47	25	lower	low	ADJ
inlawrev-4071	47	26	-	-	PUNCT
inlawrev-4071	47	27	cost	cost	NOUN
inlawrev-4071	47	28	loans	loan	NOUN
inlawrev-4071	47	29	.	.	PUNCT
inlawrev-4071	47	30	''	''	PUNCT
inlawrev-4071	47	31	'	'	PUNCT
inlawrev-4071	48	1	the	the	DET
inlawrev-4071	48	2	increasing	increase	VERB
inlawrev-4071	48	3	participation	participation	NOUN
inlawrev-4071	48	4	of	of	ADP
inlawrev-4071	48	5	women	woman	NOUN
inlawrev-4071	48	6	in	in	ADP
inlawrev-4071	48	7	the	the	DET
inlawrev-4071	48	8	national	national	ADJ
inlawrev-4071	48	9	real	real	ADJ
inlawrev-4071	48	10	estate	estate	NOUN
inlawrev-4071	48	11	market	market	NOUN
inlawrev-4071	48	12	makes	make	VERB
inlawrev-4071	48	13	the	the	DET
inlawrev-4071	48	14	subprime	subprime	ADJ
inlawrev-4071	48	15	lending	lending	NOUN
inlawrev-4071	48	16	disparity	disparity	NOUN
inlawrev-4071	48	17	even	even	ADV
inlawrev-4071	48	18	more	more	ADV
inlawrev-4071	48	19	central	central	ADJ
inlawrev-4071	48	20	to	to	ADP
inlawrev-4071	48	21	national	national	ADJ
inlawrev-4071	48	22	debate	debate	NOUN
inlawrev-4071	48	23	and	and	CCONJ
inlawrev-4071	48	24	attention	attention	NOUN
inlawrev-4071	48	25	.	.	PUNCT
inlawrev-4071	49	1	there	there	PRON
inlawrev-4071	49	2	is	be	VERB
inlawrev-4071	49	3	a	a	DET
inlawrev-4071	49	4	growing	grow	VERB
inlawrev-4071	49	5	body	body	NOUN
inlawrev-4071	49	6	of	of	ADP
inlawrev-4071	49	7	evidence	evidence	NOUN
inlawrev-4071	49	8	of	of	ADP
inlawrev-4071	49	9	gender	gender	NOUN
inlawrev-4071	49	10	-	-	PUNCT
inlawrev-4071	49	11	based	base	VERB
inlawrev-4071	49	12	disparities	disparity	NOUN
inlawrev-4071	49	13	in	in	ADP
inlawrev-4071	49	14	lending	lending	NOUN
inlawrev-4071	49	15	though	though	SCONJ
inlawrev-4071	49	16	there	there	PRON
inlawrev-4071	49	17	have	have	AUX
inlawrev-4071	49	18	not	not	PART
inlawrev-4071	49	19	been	be	AUX
inlawrev-4071	49	20	nearly	nearly	ADV
inlawrev-4071	49	21	enough	enough	ADJ
inlawrev-4071	49	22	studies	study	NOUN
inlawrev-4071	49	23	that	that	PRON
inlawrev-4071	49	24	investigate	investigate	VERB
inlawrev-4071	49	25	gender	gender	NOUN
inlawrev-4071	49	26	disparities	disparity	NOUN
inlawrev-4071	49	27	in	in	ADP
inlawrev-4071	49	28	lending	lending	NOUN
inlawrev-4071	49	29	as	as	ADP
inlawrev-4071	49	30	independent	independent	ADJ
inlawrev-4071	49	31	ofrace	ofrace	NOUN
inlawrev-4071	49	32	-	-	PUNCT
inlawrev-4071	49	33	based	base	VERB
inlawrev-4071	49	34	disparities	disparity	NOUN
inlawrev-4071	49	35	.	.	PUNCT
inlawrev-4071	50	1	'^	'^	NOUN
inlawrev-4071	50	2	for	for	ADP
inlawrev-4071	50	3	example	example	NOUN
inlawrev-4071	50	4	,	,	PUNCT
inlawrev-4071	50	5	the	the	DET
inlawrev-4071	50	6	national	national	ADJ
inlawrev-4071	50	7	community	community	NOUN
inlawrev-4071	50	8	reinvestment	reinvestment	NOUN
inlawrev-4071	50	9	coalition	coalition	NOUN
inlawrev-4071	50	10	(	(	PUNCT
inlawrev-4071	50	11	ncrc	ncrc	NOUN
inlawrev-4071	50	12	)	)	PUNCT
inlawrev-4071	50	13	conducted	conduct	VERB
inlawrev-4071	50	14	a	a	DET
inlawrev-4071	50	15	national	national	ADJ
inlawrev-4071	50	16	field	field	NOUN
inlawrev-4071	50	17	test	test	NOUN
inlawrev-4071	50	18	in	in	ADP
inlawrev-4071	50	19	2003	2003	NUM
inlawrev-4071	50	20	,	,	PUNCT
inlawrev-4071	50	21	over	over	ADP
inlawrev-4071	50	22	a	a	DET
inlawrev-4071	50	23	four	four	NUM
inlawrev-4071	50	24	-	-	PUNCT
inlawrev-4071	50	25	month	month	NOUN
inlawrev-4071	50	26	period	period	NOUN
inlawrev-4071	50	27	,	,	PUNCT
inlawrev-4071	50	28	aided	aid	VERB
inlawrev-4071	50	29	by	by	ADP
inlawrev-4071	50	30	consumer	consumer	NOUN
inlawrev-4071	50	31	protection	protection	NOUN
inlawrev-4071	50	32	organizations	organization	NOUN
inlawrev-4071	50	33	,	,	PUNCT
inlawrev-4071	50	34	local	local	ADJ
inlawrev-4071	50	35	ncrc	ncrc	NOUN
inlawrev-4071	50	36	members	member	NOUN
inlawrev-4071	50	37	,	,	PUNCT
inlawrev-4071	50	38	and	and	CCONJ
inlawrev-4071	50	39	civil	civil	ADJ
inlawrev-4071	50	40	rights	right	NOUN
inlawrev-4071	50	41	activists	activist	NOUN
inlawrev-4071	50	42	.	.	PUNCT
inlawrev-4071	51	1	the	the	DET
inlawrev-4071	51	2	ncrc	ncrc	NOUN
inlawrev-4071	51	3	conducted	conduct	VERB
inlawrev-4071	51	4	forty	forty	NUM
inlawrev-4071	51	5	-	-	PUNCT
inlawrev-4071	51	6	eight	eight	NUM
inlawrev-4071	51	7	match	match	NOUN
inlawrev-4071	51	8	paired	pair	VERB
inlawrev-4071	51	9	tests	test	NOUN
inlawrev-4071	51	10	using	use	VERB
inlawrev-4071	51	11	white	white	ADJ
inlawrev-4071	51	12	and	and	CCONJ
inlawrev-4071	51	13	black	black	ADJ
inlawrev-4071	51	14	testers	tester	NOUN
inlawrev-4071	51	15	on	on	ADP
inlawrev-4071	51	16	twelve	twelve	NUM
inlawrev-4071	51	17	subprime	subprime	ADJ
inlawrev-4071	51	18	lenders	lender	NOUN
inlawrev-4071	51	19	.	.	PUNCT
inlawrev-4071	52	1	the	the	DET
inlawrev-4071	52	2	ncrc	ncrc	NOUN
inlawrev-4071	52	3	gave	give	VERB
inlawrev-4071	52	4	the	the	DET
inlawrev-4071	52	5	testers	tester	NOUN
inlawrev-4071	52	6	similar	similar	ADJ
inlawrev-4071	52	7	profiles	profile	NOUN
inlawrev-4071	52	8	indicating	indicate	VERB
inlawrev-4071	52	9	that	that	SCONJ
inlawrev-4071	52	10	1	1	NUM
inlawrev-4071	52	11	1	1	NUM
inlawrev-4071	52	12	.	.	PUNCT
inlawrev-4071	53	1	rachel	rachel	PROPN
inlawrev-4071	53	2	bogardus	bogardus	PROPN
inlawrev-4071	53	3	drew	draw	VERB
inlawrev-4071	53	4	,	,	PUNCT
inlawrev-4071	53	5	buyingfor	buyingfor	ADP
inlawrev-4071	53	6	themselves	themselves	PRON
inlawrev-4071	53	7	:	:	PUNCT
inlawrev-4071	53	8	an	an	DET
inlawrev-4071	53	9	analysis	analysis	NOUN
inlawrev-4071	53	10	ofunmarriedfemalehome	ofunmarriedfemalehome	NOUN
inlawrev-4071	53	11	buyers	buyer	NOUN
inlawrev-4071	53	12	4	4	NUM
inlawrev-4071	53	13	(	(	PUNCT
inlawrev-4071	53	14	joint	joint	PROPN
inlawrev-4071	53	15	ctr	ctr	PROPN
inlawrev-4071	53	16	.	.	PUNCT
inlawrev-4071	54	1	hous	hous	ADJ
inlawrev-4071	54	2	.	.	PUNCT
inlawrev-4071	55	1	studies	study	NOUN
inlawrev-4071	55	2	,	,	PUNCT
inlawrev-4071	55	3	harv	harv	PROPN
inlawrev-4071	55	4	.	.	PUNCT
inlawrev-4071	56	1	univ	univ	PROPN
inlawrev-4071	56	2	.	.	PUNCT
inlawrev-4071	56	3	2006	2006	NUM
inlawrev-4071	56	4	)	)	PUNCT
inlawrev-4071	56	5	,	,	PUNCT
inlawrev-4071	56	6	available	available	ADJ
inlawrev-4071	56	7	at	at	ADP
inlawrev-4071	56	8	www.jchs.harvard	www.jchs.harvard	PROPN
inlawrev-4071	56	9	.	.	PUNCT
inlawrev-4071	57	1	edu	edu	PROPN
inlawrev-4071	57	2	/	/	SYM
inlawrev-4071	57	3	publications	publication	NOUN
inlawrev-4071	57	4	/	/	SYM
inlawrev-4071	57	5	markets	market	NOUN
inlawrev-4071	57	6	/	/	SYM
inlawrev-4071	57	7	n06	n06	PROPN
inlawrev-4071	57	8	-	-	PUNCT
inlawrev-4071	57	9	3_drew.pdf	3_drew.pdf	NUM
inlawrev-4071	57	10	.	.	PUNCT
inlawrev-4071	58	1	12	12	NUM
inlawrev-4071	58	2	.	.	PUNCT
inlawrev-4071	59	1	jessica	jessica	PROPN
inlawrev-4071	59	2	lautz	lautz	VERB
inlawrev-4071	59	3	,	,	PUNCT
inlawrev-4071	59	4	single	single	ADJ
inlawrev-4071	59	5	-	-	PUNCT
inlawrev-4071	59	6	women	woman	NOUN
inlawrev-4071	59	7	home	home	NOUN
inlawrev-4071	59	8	buyers	buyer	NOUN
inlawrev-4071	59	9	:	:	PUNCT
inlawrev-4071	59	10	a	a	DET
inlawrev-4071	59	11	growing	grow	VERB
inlawrev-4071	59	12	segment	segment	NOUN
inlawrev-4071	59	13	,	,	PUNCT
inlawrev-4071	59	14	real	real	ADJ
inlawrev-4071	59	15	estate	estate	NOUN
inlawrev-4071	59	16	insights	insight	NOUN
inlawrev-4071	59	17	,	,	PUNCT
inlawrev-4071	59	18	apr	apr	PROPN
inlawrev-4071	59	19	.	.	PROPN
inlawrev-4071	59	20	2010	2010	NUM
inlawrev-4071	59	21	,	,	PUNCT
inlawrev-4071	59	22	at	at	ADP
inlawrev-4071	59	23	11	11	NUM
inlawrev-4071	59	24	,	,	PUNCT
inlawrev-4071	59	25	available	available	ADJ
inlawrev-4071	59	26	at	at	ADP
inlawrev-4071	59	27	http://www.realtor.org/wps/wcm/connect/	http://www.realtor.org/wps/wcm/connect/	PROPN
inlawrev-4071	59	28	3177a800421b53e3ba64fedl40d385a7	3177a800421b53e3ba64fedl40d385a7	PROPN
inlawrev-4071	59	29	/	/	SYM
inlawrev-4071	59	30	rei0410.pdf?mod	rei0410.pdf?mod	NOUN
inlawrev-4071	59	31	=	=	PROPN
inlawrev-4071	59	32	ajperes&cacheid=3177a800	ajperes&cacheid=3177a800	PROPN
inlawrev-4071	59	33	421b53e3ba64fedl40d385a7	421b53e3ba64fedl40d385a7	NOUN
inlawrev-4071	59	34	(	(	PUNCT
inlawrev-4071	59	35	"	"	PUNCT
inlawrev-4071	59	36	indeed	indeed	ADV
inlawrev-4071	59	37	,	,	PUNCT
inlawrev-4071	59	38	the	the	DET
inlawrev-4071	59	39	percentage	percentage	NOUN
inlawrev-4071	59	40	ofsingle	ofsingle	NOUN
inlawrev-4071	59	41	-	-	PUNCT
inlawrev-4071	59	42	women	woman	NOUN
inlawrev-4071	59	43	buyers	buyer	NOUN
inlawrev-4071	59	44	has	have	AUX
inlawrev-4071	59	45	increased	increase	VERB
inlawrev-4071	59	46	from	from	ADP
inlawrev-4071	59	47	14	14	NUM
inlawrev-4071	59	48	percent	percent	NOUN
inlawrev-4071	59	49	in	in	ADP
inlawrev-4071	59	50	1995	1995	NUM
inlawrev-4071	59	51	to	to	ADP
inlawrev-4071	59	52	21	21	NUM
inlawrev-4071	59	53	percent	percent	NOUN
inlawrev-4071	59	54	in	in	ADP
inlawrev-4071	59	55	2009	2009	NUM
inlawrev-4071	59	56	.	.	PUNCT
inlawrev-4071	59	57	"	"	PUNCT
inlawrev-4071	59	58	)	)	PUNCT
inlawrev-4071	59	59	.	.	PUNCT
inlawrev-4071	60	1	1	1	NUM
inlawrev-4071	60	2	3	3	NUM
inlawrev-4071	60	3	.	.	PUNCT
inlawrev-4071	60	4	.^ita	.^ita	PUNCT
inlawrev-4071	61	1	f.	f.	PROPN
inlawrev-4071	61	2	hill	hill	PROPN
inlawrev-4071	61	3	,	,	PUNCT
inlawrev-4071	61	4	women	woman	NOUN
inlawrev-4071	61	5	and	and	CCONJ
inlawrev-4071	61	6	the	the	DET
inlawrev-4071	61	7	subprime	subprime	ADJ
inlawrev-4071	61	8	crunch	crunch	NOUN
inlawrev-4071	61	9	,	,	PUNCT
inlawrev-4071	61	10	boston	boston	PROPN
inlawrev-4071	61	11	globe	globe	PROPN
inlawrev-4071	61	12	,	,	PUNCT
inlawrev-4071	61	13	oct	oct	PROPN
inlawrev-4071	61	14	.	.	PROPN
inlawrev-4071	61	15	22	22	NUM
inlawrev-4071	61	16	,	,	PUNCT
inlawrev-4071	61	17	2007	2007	NUM
inlawrev-4071	61	18	,	,	PUNCT
inlawrev-4071	61	19	at	at	ADP
inlawrev-4071	61	20	a11	a11	PROPN
inlawrev-4071	61	21	.	.	PUNCT
inlawrev-4071	62	1	14	14	NUM
inlawrev-4071	62	2	.	.	PUNCT
inlawrev-4071	63	1	liz	liz	PROPN
inlawrev-4071	63	2	weiss	weiss	PROPN
inlawrev-4071	63	3	,	,	PUNCT
inlawrev-4071	63	4	protecting	protect	VERB
inlawrev-4071	63	5	unmarried	unmarried	ADJ
inlawrev-4071	63	6	womenfrom	womenfrom	ADJ
inlawrev-4071	63	7	unscrupulous	unscrupulous	ADJ
inlawrev-4071	63	8	lenders	lender	NOUN
inlawrev-4071	63	9	,	,	PUNCT
inlawrev-4071	63	10	ctr	ctr	PROPN
inlawrev-4071	63	11	.	.	PROPN
inlawrev-4071	64	1	for	for	ADP
inlawrev-4071	64	2	am	am	PROPN
inlawrev-4071	64	3	.	.	PUNCT
inlawrev-4071	64	4	progress	progress	NOUN
inlawrev-4071	64	5	,	,	PUNCT
inlawrev-4071	64	6	oct	oct	PROPN
inlawrev-4071	64	7	.	.	PROPN
inlawrev-4071	64	8	28	28	NUM
inlawrev-4071	64	9	,	,	PUNCT
inlawrev-4071	64	10	2009	2009	NUM
inlawrev-4071	64	11	,	,	PUNCT
inlawrev-4071	64	12	at	at	ADP
inlawrev-4071	64	13	1	1	NUM
inlawrev-4071	64	14	,	,	PUNCT
inlawrev-4071	64	15	available	available	ADJ
inlawrev-4071	64	16	at	at	ADP
inlawrev-4071	64	17	http://www.americanprogress.org/issues/2009/10/	http://www.americanprogress.org/issues/2009/10/	NOUN
inlawrev-4071	64	18	unmarried_women_fmancial.html	unmarried_women_fmancial.html	NOUN
inlawrev-4071	64	19	.	.	PUNCT
inlawrev-4071	65	1	1	1	NUM
inlawrev-4071	65	2	5	5	NUM
inlawrev-4071	65	3	.	.	PUNCT
inlawrev-4071	66	1	see	see	VERB
inlawrev-4071	66	2	,	,	PUNCT
inlawrev-4071	66	3	e.g.	e.g.	ADV
inlawrev-4071	66	4	,	,	PUNCT
inlawrev-4071	66	5	judith	judith	PROPN
inlawrev-4071	66	6	k.	k.	PROPN
inlawrev-4071	66	7	robinson	robinson	PROPN
inlawrev-4071	66	8	,	,	PUNCT
inlawrev-4071	66	9	race	race	NOUN
inlawrev-4071	66	10	,	,	PUNCT
inlawrev-4071	66	11	gender	gender	NOUN
inlawrev-4071	66	12	,	,	PUNCT
inlawrev-4071	66	13	andfamilial	andfamilial	ADJ
inlawrev-4071	66	14	status	status	NOUN
inlawrev-4071	66	15	:	:	PUNCT
inlawrev-4071	66	16	discrimination	discrimination	NOUN
inlawrev-4071	66	17	in	in	ADP
inlawrev-4071	66	18	one	one	NUM
inlawrev-4071	66	19	us	us	PROPN
inlawrev-4071	66	20	mortgage	mortgage	NOUN
inlawrev-4071	66	21	lending	lending	NOUN
inlawrev-4071	66	22	market	market	NOUN
inlawrev-4071	66	23	,	,	PUNCT
inlawrev-4071	66	24	feminist	feminist	PROPN
inlawrev-4071	66	25	econ	econ	PROPN
inlawrev-4071	66	26	.	.	PROPN
inlawrev-4071	66	27	,	,	PUNCT
inlawrev-4071	66	28	july	july	PROPN
inlawrev-4071	66	29	2002	2002	NUM
inlawrev-4071	66	30	,	,	PUNCT
inlawrev-4071	66	31	at	at	ADP
inlawrev-4071	66	32	63	63	NUM
inlawrev-4071	66	33	,	,	PUNCT
inlawrev-4071	66	34	65	65	NUM
inlawrev-4071	66	35	-	-	SYM
inlawrev-4071	66	36	66	66	NUM
inlawrev-4071	66	37	(	(	PUNCT
inlawrev-4071	66	38	relying	rely	VERB
inlawrev-4071	66	39	on	on	ADP
inlawrev-4071	66	40	1992	1992	NUM
inlawrev-4071	66	41	boston	boston	PROPN
inlawrev-4071	66	42	federal	federal	PROPN
inlawrev-4071	66	43	reserve	reserve	PROPN
inlawrev-4071	66	44	mortgage	mortgage	NOUN
inlawrev-4071	66	45	lending	lending	NOUN
inlawrev-4071	66	46	study	study	NOUN
inlawrev-4071	66	47	and	and	CCONJ
inlawrev-4071	66	48	discussing	discuss	VERB
inlawrev-4071	66	49	gender	gender	NOUN
inlawrev-4071	66	50	and	and	CCONJ
inlawrev-4071	66	51	familial	familial	ADJ
inlawrev-4071	66	52	-	-	PUNCT
inlawrev-4071	66	53	status	status	NOUN
inlawrev-4071	66	54	lending	lending	NOUN
inlawrev-4071	66	55	patterns	pattern	NOUN
inlawrev-4071	66	56	that	that	PRON
inlawrev-4071	66	57	differ	differ	VERB
inlawrev-4071	66	58	by	by	ADP
inlawrev-4071	66	59	race	race	NOUN
inlawrev-4071	66	60	)	)	PUNCT
inlawrev-4071	66	61	.	.	PUNCT
inlawrev-4071	67	1	a	a	DET
inlawrev-4071	67	2	study	study	NOUN
inlawrev-4071	67	3	relying	rely	VERB
inlawrev-4071	67	4	on	on	ADP
inlawrev-4071	67	5	2003	2003	NUM
inlawrev-4071	67	6	federal	federal	ADJ
inlawrev-4071	67	7	data	datum	NOUN
inlawrev-4071	67	8	of	of	ADP
inlawrev-4071	67	9	33	33	NUM
inlawrev-4071	67	10	1	1	NUM
inlawrev-4071	67	11	metropolitan	metropolitan	ADJ
inlawrev-4071	67	12	statistical	statistical	ADJ
inlawrev-4071	67	13	areas	area	NOUN
inlawrev-4071	67	14	showed	show	VERB
inlawrev-4071	67	15	that	that	SCONJ
inlawrev-4071	67	16	in	in	ADP
inlawrev-4071	67	17	each	each	DET
inlawrev-4071	67	18	one	one	NOUN
inlawrev-4071	67	19	,	,	PUNCT
inlawrev-4071	67	20	women	woman	NOUN
inlawrev-4071	67	21	were	be	AUX
inlawrev-4071	67	22	more	more	ADV
inlawrev-4071	67	23	likely	likely	ADJ
inlawrev-4071	67	24	to	to	PART
inlawrev-4071	67	25	receive	receive	VERB
inlawrev-4071	67	26	a	a	DET
inlawrev-4071	67	27	subprime	subprime	ADJ
inlawrev-4071	67	28	loan	loan	NOUN
inlawrev-4071	67	29	than	than	ADP
inlawrev-4071	67	30	a	a	DET
inlawrev-4071	67	31	prime	prime	ADJ
inlawrev-4071	67	32	loan	loan	NOUN
inlawrev-4071	67	33	.	.	PUNCT
inlawrev-4071	68	1	sue	sue	PROPN
inlawrev-4071	68	2	kirchhoff	kirchhoff	PROPN
inlawrev-4071	68	3	,	,	PUNCT
inlawrev-4071	68	4	minorities	minority	NOUN
inlawrev-4071	68	5	depend	depend	VERB
inlawrev-4071	68	6	on	on	ADP
inlawrev-4071	68	7	subprime	subprime	ADJ
inlawrev-4071	68	8	loans	loan	NOUN
inlawrev-4071	68	9	,	,	PUNCT
inlawrev-4071	68	10	usa	usa	PROPN
inlawrev-4071	68	11	today	today	NOUN
inlawrev-4071	68	12	,	,	PUNCT
inlawrev-4071	68	13	available	available	ADJ
inlawrev-4071	68	14	at	at	ADP
inlawrev-4071	68	15	http://www	http://www	PROPN
inlawrev-4071	68	16	.	.	PUNCT
inlawrev-4071	69	1	usatoday.com/money/perfl/housing/2005-03-16-subprime-usat_x.htm	usatoday.com/money/perfl/housing/2005-03-16-subprime-usat_x.htm	PROPN
inlawrev-4071	69	2	.	.	PUNCT
inlawrev-4071	70	1	5w/	5w/	NUM
inlawrev-4071	70	2	5eenat'lcouncilof	5eenat'lcouncilof	NUM
inlawrev-4071	70	3	negro	negro	ADJ
inlawrev-4071	70	4	women	woman	NOUN
inlawrev-4071	70	5	,	,	PUNCT
inlawrev-4071	70	6	assessing	assess	VERB
inlawrev-4071	70	7	the	the	DET
inlawrev-4071	70	8	double	double	ADJ
inlawrev-4071	70	9	burden	burden	NOUN
inlawrev-4071	70	10	:	:	PUNCT
inlawrev-4071	70	11	examining	examine	VERB
inlawrev-4071	70	12	racialand	racialand	NOUN
inlawrev-4071	70	13	gender	gender	NOUN
inlawrev-4071	70	14	disparities	disparity	NOUN
inlawrev-4071	70	15	inmortgagelending	inmortgagelende	VERB
inlawrev-4071	70	16	1	1	NUM
inlawrev-4071	70	17	(	(	PUNCT
inlawrev-4071	70	18	2009	2009	NUM
inlawrev-4071	70	19	)	)	PUNCT
inlawrev-4071	70	20	,	,	PUNCT
inlawrev-4071	70	21	available	available	ADJ
inlawrev-4071	70	22	a?www.ncnw.org	a?www.ncnw.org	NOUN
inlawrev-4071	70	23	/	/	SYM
inlawrev-4071	70	24	images	image	NOUN
inlawrev-4071	70	25	/	/	SYM
inlawrev-4071	70	26	double_burden.pdf(stating	double_burden.pdf(state	VERB
inlawrev-4071	70	27	that	that	SCONJ
inlawrev-4071	70	28	its	its	PRON
inlawrev-4071	70	29	analysis	analysis	NOUN
inlawrev-4071	70	30	of	of	ADP
inlawrev-4071	70	31	2007	2007	NUM
inlawrev-4071	70	32	home	home	NOUN
inlawrev-4071	70	33	mortgage	mortgage	NOUN
inlawrev-4071	70	34	disclosure	disclosure	PROPN
inlawrev-4071	70	35	act	act	PROPN
inlawrev-4071	70	36	data	datum	NOUN
inlawrev-4071	70	37	did	do	AUX
inlawrev-4071	70	38	not	not	PART
inlawrev-4071	70	39	reveal	reveal	VERB
inlawrev-4071	70	40	"	"	PUNCT
inlawrev-4071	70	41	gender	gender	NOUN
inlawrev-4071	70	42	-	-	PUNCT
inlawrev-4071	70	43	based	base	VERB
inlawrev-4071	70	44	disparities	disparity	NOUN
inlawrev-4071	70	45	in	in	ADP
inlawrev-4071	70	46	lending	lending	NOUN
inlawrev-4071	70	47	"	"	PUNCT
inlawrev-4071	70	48	)	)	PUNCT
inlawrev-4071	70	49	.	.	PUNCT
inlawrev-4071	71	1	1220	1220	NUM
inlawrev-4071	71	2	indiana	indiana	PROPN
inlawrev-4071	71	3	law	law	PROPN
inlawrev-4071	71	4	review	review	NOUN
inlawrev-4071	72	1	[	[	X
inlawrev-4071	72	2	vol	vol	NOUN
inlawrev-4071	72	3	.	.	PUNCT
inlawrev-4071	73	1	43:1217	43:1217	NUM
inlawrev-4071	73	2	each	each	PRON
inlawrev-4071	73	3	of	of	ADP
inlawrev-4071	73	4	the	the	DET
inlawrev-4071	73	5	testers	tester	NOUN
inlawrev-4071	73	6	was	be	AUX
inlawrev-4071	73	7	qualified	qualified	ADJ
inlawrev-4071	73	8	for	for	ADP
inlawrev-4071	73	9	a	a	DET
inlawrev-4071	73	10	prime	prime	ADJ
inlawrev-4071	73	11	loan	loan	NOUN
inlawrev-4071	73	12	.	.	PUNCT
inlawrev-4071	74	1	the	the	DET
inlawrev-4071	74	2	black	black	ADJ
inlawrev-4071	74	3	testers	tester	NOUN
inlawrev-4071	74	4	were	be	AUX
inlawrev-4071	74	5	given	give	VERB
inlawrev-4071	74	6	slightly	slightly	ADV
inlawrev-4071	74	7	better	well	ADJ
inlawrev-4071	74	8	profiles	profile	NOUN
inlawrev-4071	74	9	than	than	ADP
inlawrev-4071	74	10	the	the	DET
inlawrev-4071	74	11	white	white	PROPN
inlawrev-4071	74	12	testers	tester	NOUN
inlawrev-4071	74	13	.	.	PUNCT
inlawrev-4071	75	1	the	the	DET
inlawrev-4071	75	2	purpose	purpose	NOUN
inlawrev-4071	75	3	of	of	ADP
inlawrev-4071	75	4	the	the	DET
inlawrev-4071	75	5	testing	testing	NOUN
inlawrev-4071	75	6	was	be	AUX
inlawrev-4071	75	7	to	to	PART
inlawrev-4071	75	8	review	review	VERB
inlawrev-4071	75	9	the	the	DET
inlawrev-4071	75	10	underwriting	underwriting	NOUN
inlawrev-4071	75	11	practices	practice	NOUN
inlawrev-4071	75	12	ofthe	ofthe	ADJ
inlawrev-4071	75	13	subject	subject	ADJ
inlawrev-4071	75	14	lenders	lender	NOUN
inlawrev-4071	75	15	to	to	PART
inlawrev-4071	75	16	determine	determine	VERB
inlawrev-4071	75	17	if	if	SCONJ
inlawrev-4071	75	18	there	there	PRON
inlawrev-4071	75	19	was	be	VERB
inlawrev-4071	75	20	evidence	evidence	NOUN
inlawrev-4071	75	21	of	of	ADP
inlawrev-4071	75	22	price	price	NOUN
inlawrev-4071	75	23	discrimination	discrimination	NOUN
inlawrev-4071	75	24	.	.	PUNCT
inlawrev-4071	76	1	the	the	DET
inlawrev-4071	76	2	ncrc	ncrc	NOUN
inlawrev-4071	76	3	noted	note	VERB
inlawrev-4071	76	4	several	several	ADJ
inlawrev-4071	76	5	occasions	occasion	NOUN
inlawrev-4071	76	6	in	in	ADP
inlawrev-4071	76	7	which	which	PRON
inlawrev-4071	76	8	black	black	ADJ
inlawrev-4071	76	9	female	female	ADJ
inlawrev-4071	76	10	testers	tester	NOUN
inlawrev-4071	76	11	received	receive	VERB
inlawrev-4071	76	12	less	less	ADV
inlawrev-4071	76	13	favorable	favorable	ADJ
inlawrev-4071	76	14	treatment	treatment	NOUN
inlawrev-4071	76	15	than	than	ADP
inlawrev-4071	76	16	white	white	ADJ
inlawrev-4071	76	17	female	female	ADJ
inlawrev-4071	76	18	testers	tester	NOUN
inlawrev-4071	76	19	.	.	PUNCT
inlawrev-4071	76	20	^^	^^	PUNCT
inlawrev-4071	77	1	the	the	DET
inlawrev-4071	77	2	report	report	NOUN
inlawrev-4071	77	3	notes	note	VERB
inlawrev-4071	77	4	one	one	NUM
inlawrev-4071	77	5	instance	instance	NOUN
inlawrev-4071	77	6	in	in	ADP
inlawrev-4071	77	7	which	which	PRON
inlawrev-4071	77	8	a	a	DET
inlawrev-4071	77	9	black	black	ADJ
inlawrev-4071	77	10	female	female	ADJ
inlawrev-4071	77	11	tester	tester	NOUN
inlawrev-4071	77	12	was	be	AUX
inlawrev-4071	77	13	told	tell	VERB
inlawrev-4071	77	14	that	that	SCONJ
inlawrev-4071	77	15	the	the	DET
inlawrev-4071	77	16	lender	lender	NOUN
inlawrev-4071	77	17	would	would	AUX
inlawrev-4071	77	18	rely	rely	VERB
inlawrev-4071	77	19	upon	upon	SCONJ
inlawrev-4071	77	20	her	her	PRON
inlawrev-4071	77	21	husband	husband	NOUN
inlawrev-4071	77	22	's	's	PART
inlawrev-4071	77	23	income	income	NOUN
inlawrev-4071	77	24	and	and	CCONJ
inlawrev-4071	77	25	credit	credit	NOUN
inlawrev-4071	77	26	because	because	SCONJ
inlawrev-4071	77	27	it	it	PRON
inlawrev-4071	77	28	was	be	AUX
inlawrev-4071	77	29	slightly	slightly	ADV
inlawrev-4071	77	30	higher	high	ADJ
inlawrev-4071	77	31	than	than	ADP
inlawrev-4071	77	32	the	the	DET
inlawrev-4071	77	33	tester's	tester's	NUM
inlawrev-4071	77	34	.	.	PUNCT
inlawrev-4071	77	35	'^	'^	PROPN
inlawrev-4071	77	36	the	the	DET
inlawrev-4071	77	37	lender	lender	NOUN
inlawrev-4071	77	38	did	do	AUX
inlawrev-4071	77	39	not	not	PART
inlawrev-4071	77	40	tell	tell	VERB
inlawrev-4071	77	41	the	the	DET
inlawrev-4071	77	42	white	white	ADJ
inlawrev-4071	77	43	female	female	ADJ
inlawrev-4071	77	44	tester	tester	NOUN
inlawrev-4071	77	45	about	about	ADP
inlawrev-4071	77	46	this	this	DET
inlawrev-4071	77	47	policy	policy	NOUN
inlawrev-4071	77	48	nor	nor	CCONJ
inlawrev-4071	77	49	did	do	AUX
inlawrev-4071	77	50	the	the	DET
inlawrev-4071	77	51	lender	lender	NOUN
inlawrev-4071	77	52	ask	ask	VERB
inlawrev-4071	77	53	the	the	DET
inlawrev-4071	77	54	white	white	ADJ
inlawrev-4071	77	55	tester	tester	NOUN
inlawrev-4071	77	56	about	about	ADP
inlawrev-4071	77	57	income	income	NOUN
inlawrev-4071	77	58	.	.	PUNCT
inlawrev-4071	78	1	'^	'^	NOUN
inlawrev-4071	78	2	in	in	ADP
inlawrev-4071	78	3	a	a	DET
inlawrev-4071	78	4	separate	separate	ADJ
inlawrev-4071	78	5	instance	instance	NOUN
inlawrev-4071	78	6	,	,	PUNCT
inlawrev-4071	78	7	the	the	DET
inlawrev-4071	78	8	lender	lender	NOUN
inlawrev-4071	78	9	not	not	PART
inlawrev-4071	78	10	only	only	ADV
inlawrev-4071	78	11	provided	provide	VERB
inlawrev-4071	78	12	the	the	DET
inlawrev-4071	78	13	black	black	ADJ
inlawrev-4071	78	14	female	female	ADJ
inlawrev-4071	78	15	tester	tester	NOUN
inlawrev-4071	78	16	with	with	ADP
inlawrev-4071	78	17	less	less	ADJ
inlawrev-4071	78	18	information	information	NOUN
inlawrev-4071	78	19	than	than	SCONJ
inlawrev-4071	78	20	was	be	AUX
inlawrev-4071	78	21	provided	provide	VERB
inlawrev-4071	78	22	to	to	ADP
inlawrev-4071	78	23	the	the	DET
inlawrev-4071	78	24	white	white	ADJ
inlawrev-4071	78	25	female	female	ADJ
inlawrev-4071	78	26	tester	tester	NOUN
inlawrev-4071	78	27	,	,	PUNCT
inlawrev-4071	78	28	but	but	CCONJ
inlawrev-4071	78	29	also	also	ADV
inlawrev-4071	78	30	,	,	PUNCT
inlawrev-4071	78	31	when	when	SCONJ
inlawrev-4071	78	32	following	follow	VERB
inlawrev-4071	78	33	up	up	ADP
inlawrev-4071	78	34	with	with	ADP
inlawrev-4071	78	35	the	the	DET
inlawrev-4071	78	36	black	black	ADJ
inlawrev-4071	78	37	female	female	ADJ
inlawrev-4071	78	38	tester	tester	NOUN
inlawrev-4071	78	39	,	,	PUNCT
inlawrev-4071	78	40	the	the	DET
inlawrev-4071	78	41	lender	lender	NOUN
inlawrev-4071	78	42	called	call	VERB
inlawrev-4071	78	43	the	the	DET
inlawrev-4071	78	44	tester	tester	NOUN
inlawrev-4071	78	45	's	's	PART
inlawrev-4071	78	46	husband	husband	NOUN
inlawrev-4071	78	47	instead	instead	ADV
inlawrev-4071	78	48	of	of	ADP
inlawrev-4071	78	49	the	the	DET
inlawrev-4071	78	50	tester	tester	NOUN
inlawrev-4071	78	51	.	.	PUNCT
inlawrev-4071	79	1	'^	'^	AUX
inlawrev-4071	79	2	the	the	DET
inlawrev-4071	79	3	ncrc	ncrc	NOUN
inlawrev-4071	79	4	published	publish	VERB
inlawrev-4071	79	5	a	a	DET
inlawrev-4071	79	6	study	study	NOUN
inlawrev-4071	79	7	in	in	ADP
inlawrev-4071	79	8	2006	2006	NUM
inlawrev-4071	79	9	using	use	VERB
inlawrev-4071	79	10	home	home	NOUN
inlawrev-4071	79	11	loan	loan	NOUN
inlawrev-4071	79	12	data	datum	NOUN
inlawrev-4071	79	13	for	for	ADP
inlawrev-4071	79	14	2004	2004	NUM
inlawrev-4071	79	15	.	.	PUNCT
inlawrev-4071	80	1	according	accord	VERB
inlawrev-4071	80	2	to	to	ADP
inlawrev-4071	80	3	the	the	DET
inlawrev-4071	80	4	study	study	NOUN
inlawrev-4071	80	5	,	,	PUNCT
inlawrev-4071	80	6	"	"	PUNCT
inlawrev-4071	80	7	female	female	ADJ
inlawrev-4071	80	8	borrowers	borrower	NOUN
inlawrev-4071	80	9	of	of	ADP
inlawrev-4071	80	10	all	all	DET
inlawrev-4071	80	11	racial	racial	ADJ
inlawrev-4071	80	12	groups	group	NOUN
inlawrev-4071	80	13	have	have	VERB
inlawrev-4071	80	14	difficulties	difficulty	NOUN
inlawrev-4071	80	15	securing	secure	VERB
inlawrev-4071	80	16	affordable	affordable	ADJ
inlawrev-4071	80	17	home	home	NOUN
inlawrev-4071	80	18	loans	loan	NOUN
inlawrev-4071	80	19	and	and	CCONJ
inlawrev-4071	80	20	receive	receive	VERB
inlawrev-4071	80	21	a	a	DET
inlawrev-4071	80	22	surprisingly	surprisingly	ADV
inlawrev-4071	80	23	high	high	ADJ
inlawrev-4071	80	24	number	number	NOUN
inlawrev-4071	80	25	of	of	ADP
inlawrev-4071	80	26	high	high	ADJ
inlawrev-4071	80	27	cost	cost	NOUN
inlawrev-4071	80	28	loans	loan	NOUN
inlawrev-4071	80	29	.	.	PUNCT
inlawrev-4071	81	1	"^^	"^^	AUX
inlawrev-4071	81	2	the	the	DET
inlawrev-4071	81	3	ncrc	ncrc	NOUN
inlawrev-4071	81	4	reported	report	VERB
inlawrev-4071	81	5	that	that	SCONJ
inlawrev-4071	81	6	the	the	DET
inlawrev-4071	81	7	amount	amount	NOUN
inlawrev-4071	81	8	of	of	ADP
inlawrev-4071	81	9	subprime	subprime	ADJ
inlawrev-4071	81	10	loans	loan	NOUN
inlawrev-4071	81	11	received	receive	VERB
inlawrev-4071	81	12	by	by	ADP
inlawrev-4071	81	13	1	1	NUM
inlawrev-4071	81	14	6	6	NUM
inlawrev-4071	81	15	.	.	PUNCT
inlawrev-4071	81	16	press	press	NOUN
inlawrev-4071	81	17	release	release	NOUN
inlawrev-4071	81	18	,	,	PUNCT
inlawrev-4071	81	19	sub	sub	ADJ
inlawrev-4071	81	20	-	-	ADJ
inlawrev-4071	81	21	prime	prime	ADJ
inlawrev-4071	81	22	fair	fair	ADJ
inlawrev-4071	81	23	lending	lending	NOUN
inlawrev-4071	81	24	"	"	PUNCT
inlawrev-4071	81	25	mystery	mystery	NOUN
inlawrev-4071	81	26	shopping	shopping	NOUN
inlawrev-4071	81	27	"	"	PUNCT
inlawrev-4071	81	28	update	update	NOUN
inlawrev-4071	81	29	(	(	PUNCT
inlawrev-4071	81	30	july	july	PROPN
inlawrev-4071	81	31	2	2	NUM
inlawrev-4071	81	32	1	1	NUM
inlawrev-4071	81	33	,	,	PUNCT
inlawrev-4071	81	34	2008	2008	NUM
inlawrev-4071	81	35	)	)	PUNCT
inlawrev-4071	81	36	(	(	PUNCT
inlawrev-4071	81	37	on	on	ADP
inlawrev-4071	81	38	file	file	NOUN
inlawrev-4071	81	39	with	with	ADP
inlawrev-4071	81	40	author	author	NOUN
inlawrev-4071	81	41	)	)	PUNCT
inlawrev-4071	81	42	.	.	PUNCT
inlawrev-4071	82	1	17	17	NUM
inlawrev-4071	82	2	.	.	PUNCT
inlawrev-4071	83	1	i	i	PRON
inlawrev-4071	83	2	d.	d.	PROPN
inlawrev-4071	83	3	such	such	ADJ
inlawrev-4071	83	4	behavior	behavior	NOUN
inlawrev-4071	83	5	violates	violate	VERB
inlawrev-4071	83	6	the	the	DET
inlawrev-4071	83	7	equal	equal	ADJ
inlawrev-4071	83	8	credit	credit	NOUN
inlawrev-4071	83	9	opportunity	opportunity	NOUN
inlawrev-4071	83	10	act	act	NOUN
inlawrev-4071	83	11	's	's	PART
inlawrev-4071	83	12	prohibition	prohibition	NOUN
inlawrev-4071	83	13	on	on	ADP
inlawrev-4071	83	14	discrimination	discrimination	NOUN
inlawrev-4071	83	15	based	base	VERB
inlawrev-4071	83	16	upon	upon	SCONJ
inlawrev-4071	83	17	sex	sex	NOUN
inlawrev-4071	83	18	in	in	ADP
inlawrev-4071	83	19	credit	credit	NOUN
inlawrev-4071	83	20	transactions	transaction	NOUN
inlawrev-4071	83	21	.	.	PUNCT
inlawrev-4071	84	1	see	see	VERB
inlawrev-4071	84	2	equal	equal	ADJ
inlawrev-4071	84	3	credit	credit	NOUN
inlawrev-4071	84	4	opportunity	opportunity	NOUN
inlawrev-4071	84	5	act	act	NOUN
inlawrev-4071	84	6	,	,	PUNCT
inlawrev-4071	84	7	1	1	NUM
inlawrev-4071	84	8	5	5	NUM
inlawrev-4071	84	9	u.s.c	u.s.c	ADJ
inlawrev-4071	84	10	.	.	PUNCT
inlawrev-4071	85	1	§	§	VERB
inlawrev-4071	85	2	1691(a)(l),(b)(l)(2006	1691(a)(l),(b)(l)(2006	NUM
inlawrev-4071	85	3	)	)	PUNCT
inlawrev-4071	85	4	.	.	PUNCT
inlawrev-4071	86	1	sec	sec	PROPN
inlawrev-4071	86	2	.	.	PROPN
inlawrev-4071	86	3	1691	1691	NUM
inlawrev-4071	86	4	.	.	PUNCT
inlawrev-4071	87	1	scope	scope	NOUN
inlawrev-4071	87	2	ofprohibition	ofprohibition	NOUN
inlawrev-4071	87	3	(	(	PUNCT
inlawrev-4071	87	4	a	a	PRON
inlawrev-4071	87	5	)	)	PUNCT
inlawrev-4071	87	6	activities	activity	NOUN
inlawrev-4071	87	7	constituting	constitute	VERB
inlawrev-4071	87	8	discrimination	discrimination	NOUN
inlawrev-4071	87	9	it	it	PRON
inlawrev-4071	87	10	shall	shall	AUX
inlawrev-4071	87	11	be	be	AUX
inlawrev-4071	87	12	unlawful	unlawful	ADJ
inlawrev-4071	87	13	for	for	SCONJ
inlawrev-4071	87	14	any	any	DET
inlawrev-4071	87	15	creditor	creditor	NOUN
inlawrev-4071	87	16	to	to	PART
inlawrev-4071	87	17	discriminate	discriminate	VERB
inlawrev-4071	87	18	against	against	ADP
inlawrev-4071	87	19	any	any	DET
inlawrev-4071	87	20	applicant	applicant	NOUN
inlawrev-4071	87	21	,	,	PUNCT
inlawrev-4071	87	22	with	with	ADP
inlawrev-4071	87	23	respect	respect	NOUN
inlawrev-4071	87	24	to	to	ADP
inlawrev-4071	87	25	any	any	DET
inlawrev-4071	87	26	aspect	aspect	NOUN
inlawrev-4071	87	27	of	of	ADP
inlawrev-4071	87	28	a	a	DET
inlawrev-4071	87	29	credit	credit	NOUN
inlawrev-4071	87	30	transaction	transaction	NOUN
inlawrev-4071	87	31	—	—	PUNCT
inlawrev-4071	87	32	(	(	PUNCT
inlawrev-4071	87	33	1	1	X
inlawrev-4071	87	34	)	)	PUNCT
inlawrev-4071	87	35	on	on	ADP
inlawrev-4071	87	36	the	the	DET
inlawrev-4071	87	37	basis	basis	NOUN
inlawrev-4071	87	38	ofrace	ofrace	NOUN
inlawrev-4071	87	39	,	,	PUNCT
inlawrev-4071	87	40	color	color	NOUN
inlawrev-4071	87	41	,	,	PUNCT
inlawrev-4071	87	42	religion	religion	NOUN
inlawrev-4071	87	43	,	,	PUNCT
inlawrev-4071	87	44	national	national	ADJ
inlawrev-4071	87	45	origin	origin	NOUN
inlawrev-4071	87	46	,	,	PUNCT
inlawrev-4071	87	47	sex	sex	NOUN
inlawrev-4071	87	48	or	or	CCONJ
inlawrev-4071	87	49	marital	marital	ADJ
inlawrev-4071	87	50	status	status	NOUN
inlawrev-4071	87	51	,	,	PUNCT
inlawrev-4071	87	52	or	or	CCONJ
inlawrev-4071	87	53	age	age	NOUN
inlawrev-4071	87	54	(	(	PUNCT
inlawrev-4071	87	55	provided	provide	VERB
inlawrev-4071	87	56	the	the	DET
inlawrev-4071	87	57	applicant	applicant	NOUN
inlawrev-4071	87	58	has	have	VERB
inlawrev-4071	87	59	the	the	DET
inlawrev-4071	87	60	capacity	capacity	NOUN
inlawrev-4071	87	61	to	to	PART
inlawrev-4071	87	62	contract	contract	VERB
inlawrev-4071	87	63	)	)	PUNCT
inlawrev-4071	87	64	.	.	PUNCT
inlawrev-4071	87	65	.	.	PUNCT
inlawrev-4071	87	66	.	.	PUNCT
inlawrev-4071	88	1	(	(	PUNCT
inlawrev-4071	88	2	b	b	X
inlawrev-4071	88	3	)	)	PUNCT
inlawrev-4071	88	4	activities	activity	NOUN
inlawrev-4071	88	5	not	not	PART
inlawrev-4071	88	6	constituting	constitute	VERB
inlawrev-4071	88	7	discrimination	discrimination	NOUN
inlawrev-4071	88	8	it	it	PRON
inlawrev-4071	88	9	shall	shall	AUX
inlawrev-4071	88	10	not	not	PART
inlawrev-4071	88	11	constitute	constitute	VERB
inlawrev-4071	88	12	discrimination	discrimination	NOUN
inlawrev-4071	88	13	for	for	ADP
inlawrev-4071	88	14	purposes	purpose	NOUN
inlawrev-4071	88	15	of	of	ADP
inlawrev-4071	88	16	this	this	DET
inlawrev-4071	88	17	title	title	NOUN
inlawrev-4071	88	18	for	for	ADP
inlawrev-4071	88	19	a	a	DET
inlawrev-4071	88	20	creditor	creditor	NOUN
inlawrev-4071	88	21	—	—	PUNCT
inlawrev-4071	88	22	(	(	PUNCT
inlawrev-4071	88	23	1	1	X
inlawrev-4071	88	24	)	)	PUNCT
inlawrev-4071	88	25	to	to	PART
inlawrev-4071	88	26	make	make	VERB
inlawrev-4071	88	27	an	an	DET
inlawrev-4071	88	28	inquiry	inquiry	NOUN
inlawrev-4071	88	29	of	of	ADP
inlawrev-4071	88	30	marital	marital	ADJ
inlawrev-4071	88	31	status	status	NOUN
inlawrev-4071	88	32	if	if	SCONJ
inlawrev-4071	88	33	such	such	ADJ
inlawrev-4071	88	34	inquiry	inquiry	NOUN
inlawrev-4071	88	35	is	be	AUX
inlawrev-4071	88	36	for	for	ADP
inlawrev-4071	88	37	the	the	DET
inlawrev-4071	88	38	purpose	purpose	NOUN
inlawrev-4071	88	39	of	of	ADP
inlawrev-4071	88	40	ascertaining	ascertain	VERB
inlawrev-4071	88	41	the	the	DET
inlawrev-4071	88	42	creditor	creditor	NOUN
inlawrev-4071	88	43	's	's	PART
inlawrev-4071	88	44	rights	right	NOUN
inlawrev-4071	88	45	and	and	CCONJ
inlawrev-4071	88	46	remedies	remedy	NOUN
inlawrev-4071	88	47	applicable	applicable	ADJ
inlawrev-4071	88	48	to	to	ADP
inlawrev-4071	88	49	the	the	DET
inlawrev-4071	88	50	particular	particular	ADJ
inlawrev-4071	88	51	extension	extension	NOUN
inlawrev-4071	88	52	of	of	ADP
inlawrev-4071	88	53	credit	credit	NOUN
inlawrev-4071	88	54	and	and	CCONJ
inlawrev-4071	88	55	not	not	PART
inlawrev-4071	88	56	to	to	PART
inlawrev-4071	88	57	discriminate	discriminate	VERB
inlawrev-4071	88	58	in	in	ADP
inlawrev-4071	88	59	a	a	DET
inlawrev-4071	88	60	determination	determination	NOUN
inlawrev-4071	88	61	of	of	ADP
inlawrev-4071	88	62	credit	credit	NOUN
inlawrev-4071	88	63	-	-	PUNCT
inlawrev-4071	88	64	worthiness	worthiness	NOUN
inlawrev-4071	88	65	id.\	id.\	CCONJ
inlawrev-4071	88	66	see	see	VERB
inlawrev-4071	88	67	helen	helen	PROPN
inlawrev-4071	88	68	ladd	ladd	PROPN
inlawrev-4071	88	69	,	,	PUNCT
inlawrev-4071	88	70	evidence	evidence	NOUN
inlawrev-4071	88	71	on	on	ADP
inlawrev-4071	88	72	discrimination	discrimination	NOUN
inlawrev-4071	88	73	in	in	ADP
inlawrev-4071	88	74	mortgage	mortgage	NOUN
inlawrev-4071	88	75	lending	lending	NOUN
inlawrev-4071	88	76	,	,	PUNCT
inlawrev-4071	88	77	j.	j.	PROPN
inlawrev-4071	88	78	econ	econ	PROPN
inlawrev-4071	88	79	.	.	PUNCT
inlawrev-4071	89	1	persp	persp	PROPN
inlawrev-4071	89	2	.	.	PUNCT
inlawrev-4071	90	1	,	,	PUNCT
inlawrev-4071	90	2	spring	spring	NOUN
inlawrev-4071	90	3	1998	1998	NUM
inlawrev-4071	90	4	,	,	PUNCT
inlawrev-4071	90	5	at	at	ADP
inlawrev-4071	90	6	41	41	NUM
inlawrev-4071	90	7	,	,	PUNCT
inlawrev-4071	90	8	45	45	NUM
inlawrev-4071	90	9	(	(	PUNCT
inlawrev-4071	90	10	discussing	discuss	VERB
inlawrev-4071	90	11	documented	document	VERB
inlawrev-4071	90	12	survey	survey	NOUN
inlawrev-4071	90	13	evidence	evidence	NOUN
inlawrev-4071	90	14	of	of	ADP
inlawrev-4071	90	15	discrimination	discrimination	NOUN
inlawrev-4071	90	16	against	against	ADP
inlawrev-4071	90	17	women	woman	NOUN
inlawrev-4071	90	18	in	in	ADP
inlawrev-4071	90	19	the	the	DET
inlawrev-4071	90	20	lending	lending	NOUN
inlawrev-4071	90	21	process	process	NOUN
inlawrev-4071	90	22	such	such	ADJ
inlawrev-4071	90	23	as	as	ADP
inlawrev-4071	90	24	the	the	DET
inlawrev-4071	90	25	discounting	discounting	NOUN
inlawrev-4071	90	26	of	of	ADP
inlawrev-4071	90	27	the	the	DET
inlawrev-4071	90	28	wife	wife	NOUN
inlawrev-4071	90	29	's	's	PART
inlawrev-4071	90	30	income	income	NOUN
inlawrev-4071	90	31	by	by	ADP
inlawrev-4071	90	32	fifty	fifty	NUM
inlawrev-4071	90	33	percent	percent	NOUN
inlawrev-4071	90	34	or	or	CCONJ
inlawrev-4071	90	35	more	more	ADV
inlawrev-4071	90	36	and	and	CCONJ
inlawrev-4071	90	37	also	also	ADV
inlawrev-4071	90	38	discounting	discount	VERB
inlawrev-4071	90	39	the	the	DET
inlawrev-4071	90	40	wife	wife	NOUN
inlawrev-4071	90	41	's	's	PART
inlawrev-4071	90	42	income	income	NOUN
inlawrev-4071	90	43	if	if	SCONJ
inlawrev-4071	90	44	there	there	PRON
inlawrev-4071	90	45	were	be	VERB
inlawrev-4071	90	46	pre	pre	ADJ
inlawrev-4071	90	47	-	-	ADJ
inlawrev-4071	90	48	school	school	ADJ
inlawrev-4071	90	49	children	child	NOUN
inlawrev-4071	90	50	or	or	CCONJ
inlawrev-4071	90	51	she	she	PRON
inlawrev-4071	90	52	was	be	AUX
inlawrev-4071	90	53	of	of	ADP
inlawrev-4071	90	54	childbearing	childbeare	VERB
inlawrev-4071	90	55	age	age	NOUN
inlawrev-4071	90	56	)	)	PUNCT
inlawrev-4071	90	57	.	.	PUNCT
inlawrev-4071	91	1	18	18	NUM
inlawrev-4071	91	2	.	.	PUNCT
inlawrev-4071	91	3	press	press	NOUN
inlawrev-4071	91	4	release	release	NOUN
inlawrev-4071	91	5	,	,	PUNCT
inlawrev-4071	91	6	supra	supra	PROPN
inlawrev-4071	91	7	note	note	NOUN
inlawrev-4071	91	8	16	16	NUM
inlawrev-4071	91	9	,	,	PUNCT
inlawrev-4071	91	10	at	at	ADP
inlawrev-4071	91	11	7	7	NUM
inlawrev-4071	91	12	.	.	NOUN
inlawrev-4071	91	13	19	19	NUM
inlawrev-4071	91	14	.	.	PUNCT
inlawrev-4071	92	1	i	i	PRON
inlawrev-4071	92	2	d	d	PROPN
inlawrev-4071	92	3	20	20	NUM
inlawrev-4071	92	4	.	.	PUNCT
inlawrev-4071	93	1	nat'l	nat'l	PROPN
inlawrev-4071	93	2	cmty	cmty	PROPN
inlawrev-4071	93	3	.	.	PUNCT
inlawrev-4071	94	1	reinvestment	reinvestment	NOUN
inlawrev-4071	94	2	coal	coal	NOUN
inlawrev-4071	94	3	.	.	PUNCT
inlawrev-4071	94	4	,	,	PUNCT
inlawrev-4071	94	5	homeownership	homeownership	NOUN
inlawrev-4071	94	6	and	and	CCONJ
inlawrev-4071	94	7	wealth	wealth	NOUN
inlawrev-4071	94	8	building	build	VERB
inlawrev-4071	94	9	20	20	NUM
inlawrev-4071	94	10	1	1	NUM
inlawrev-4071	94	11	0	0	NUM
inlawrev-4071	94	12	]	]	PUNCT
inlawrev-4071	94	13	women	woman	NOUN
inlawrev-4071	94	14	and	and	CCONJ
inlawrev-4071	94	15	subprime	subprime	ADJ
inlawrev-4071	94	16	lending	lending	NOUN
inlawrev-4071	94	17	1221	1221	NUM
inlawrev-4071	94	18	women	woman	NOUN
inlawrev-4071	94	19	was	be	AUX
inlawrev-4071	94	20	greater	great	ADJ
inlawrev-4071	94	21	than	than	ADP
inlawrev-4071	94	22	their	their	PRON
inlawrev-4071	94	23	share	share	NOUN
inlawrev-4071	94	24	of	of	ADP
inlawrev-4071	94	25	the	the	DET
inlawrev-4071	94	26	national	national	ADJ
inlawrev-4071	94	27	household	household	NOUN
inlawrev-4071	94	28	while	while	SCONJ
inlawrev-4071	94	29	the	the	DET
inlawrev-4071	94	30	share	share	NOUN
inlawrev-4071	94	31	of	of	ADP
inlawrev-4071	94	32	subprime	subprime	ADJ
inlawrev-4071	94	33	loans	loan	NOUN
inlawrev-4071	94	34	received	receive	VERB
inlawrev-4071	94	35	by	by	ADP
inlawrev-4071	94	36	men	man	NOUN
inlawrev-4071	94	37	was	be	AUX
inlawrev-4071	94	38	less	less	ADJ
inlawrev-4071	94	39	than	than	ADP
inlawrev-4071	94	40	their	their	PRON
inlawrev-4071	94	41	share	share	NOUN
inlawrev-4071	94	42	of	of	ADP
inlawrev-4071	94	43	the	the	DET
inlawrev-4071	94	44	national	national	ADJ
inlawrev-4071	94	45	household.^^	household.^^	NOUN
inlawrev-4071	94	46	in	in	ADP
inlawrev-4071	94	47	contrast	contrast	NOUN
inlawrev-4071	94	48	,	,	PUNCT
inlawrev-4071	94	49	the	the	DET
inlawrev-4071	94	50	share	share	NOUN
inlawrev-4071	94	51	of	of	ADP
inlawrev-4071	94	52	prime	prime	ADJ
inlawrev-4071	94	53	loans	loan	NOUN
inlawrev-4071	94	54	received	receive	VERB
inlawrev-4071	94	55	by	by	ADP
inlawrev-4071	94	56	men	man	NOUN
inlawrev-4071	94	57	was	be	AUX
inlawrev-4071	94	58	higher	high	ADJ
inlawrev-4071	94	59	than	than	ADP
inlawrev-4071	94	60	their	their	PRON
inlawrev-4071	94	61	representation	representation	NOUN
inlawrev-4071	94	62	in	in	ADP
inlawrev-4071	94	63	the	the	DET
inlawrev-4071	94	64	national	national	ADJ
inlawrev-4071	94	65	household.^^	household.^^	X
inlawrev-4071	95	1	the	the	DET
inlawrev-4071	95	2	study	study	NOUN
inlawrev-4071	95	3	also	also	ADV
inlawrev-4071	95	4	noted	note	VERB
inlawrev-4071	95	5	that	that	SCONJ
inlawrev-4071	95	6	middle	middle	ADJ
inlawrev-4071	95	7	-	-	PUNCT
inlawrev-4071	95	8	income	income	NOUN
inlawrev-4071	95	9	women	woman	NOUN
inlawrev-4071	95	10	,	,	PUNCT
inlawrev-4071	95	11	in	in	ADP
inlawrev-4071	95	12	particular	particular	ADJ
inlawrev-4071	95	13	,	,	PUNCT
inlawrev-4071	95	14	are	be	AUX
inlawrev-4071	95	15	underrepresented	underrepresente	VERB
inlawrev-4071	95	16	in	in	ADP
inlawrev-4071	95	17	the	the	DET
inlawrev-4071	95	18	share	share	NOUN
inlawrev-4071	95	19	ofprime	ofprime	NOUN
inlawrev-4071	95	20	loans	loan	NOUN
inlawrev-4071	95	21	received	receive	VERB
inlawrev-4071	95	22	.	.	PUNCT
inlawrev-4071	96	1	^^	^^	PUNCT
inlawrev-4071	97	1	a	a	DET
inlawrev-4071	97	2	2006	2006	NUM
inlawrev-4071	97	3	consumer	consumer	NOUN
inlawrev-4071	97	4	federation	federation	NOUN
inlawrev-4071	97	5	of	of	ADP
inlawrev-4071	97	6	american	american	PROPN
inlawrev-4071	97	7	study	study	PROPN
inlawrev-4071	97	8	found	find	VERB
inlawrev-4071	97	9	that	that	SCONJ
inlawrev-4071	97	10	gender	gender	NOUN
inlawrev-4071	97	11	matters	matter	NOUN
inlawrev-4071	97	12	when	when	SCONJ
inlawrev-4071	97	13	it	it	PRON
inlawrev-4071	97	14	comes	come	VERB
inlawrev-4071	97	15	to	to	ADP
inlawrev-4071	97	16	getting	get	VERB
inlawrev-4071	97	17	a	a	DET
inlawrev-4071	97	18	prime	prime	ADJ
inlawrev-4071	97	19	loan	loan	NOUN
inlawrev-4071	97	20	.	.	PUNCT
inlawrev-4071	98	1	this	this	DET
inlawrev-4071	98	2	gender	gender	NOUN
inlawrev-4071	98	3	disparity	disparity	NOUN
inlawrev-4071	98	4	crosses	cross	VERB
inlawrev-4071	98	5	product	product	NOUN
inlawrev-4071	98	6	lines	line	NOUN
inlawrev-4071	98	7	and	and	CCONJ
inlawrev-4071	98	8	surfaces	surface	NOUN
inlawrev-4071	98	9	in	in	ADP
inlawrev-4071	98	10	refinance	refinance	NOUN
inlawrev-4071	98	11	,	,	PUNCT
inlawrev-4071	98	12	home	home	NOUN
inlawrev-4071	98	13	improvement	improvement	NOUN
inlawrev-4071	98	14	,	,	PUNCT
inlawrev-4071	98	15	and	and	CCONJ
inlawrev-4071	98	16	in	in	ADP
inlawrev-4071	98	17	home	home	NOUN
inlawrev-4071	98	18	purchase	purchase	NOUN
inlawrev-4071	98	19	lending.^	lending.^	NOUN
inlawrev-4071	98	20	"	"	PUNCT
inlawrev-4071	98	21	*	*	PUNCT
inlawrev-4071	98	22	according	accord	VERB
inlawrev-4071	98	23	to	to	ADP
inlawrev-4071	98	24	the	the	DET
inlawrev-4071	98	25	study	study	NOUN
inlawrev-4071	98	26	,	,	PUNCT
inlawrev-4071	98	27	which	which	PRON
inlawrev-4071	98	28	used	use	VERB
inlawrev-4071	98	29	2005	2005	NUM
inlawrev-4071	98	30	home	home	NOUN
inlawrev-4071	98	31	mortgage	mortgage	NOUN
inlawrev-4071	98	32	disclosure	disclosure	NOUN
inlawrev-4071	98	33	act	act	NOUN
inlawrev-4071	98	34	(	(	PUNCT
inlawrev-4071	98	35	hmda	hmda	ADJ
inlawrev-4071	98	36	)	)	PUNCT
inlawrev-4071	98	37	data	datum	NOUN
inlawrev-4071	98	38	for	for	ADP
inlawrev-4071	98	39	in	in	ADP
inlawrev-4071	98	40	excess	excess	NOUN
inlawrev-4071	98	41	of	of	ADP
inlawrev-4071	98	42	three	three	NUM
inlawrev-4071	98	43	hundred	hundred	NUM
inlawrev-4071	98	44	fifty	fifty	NUM
inlawrev-4071	98	45	metropolitan	metropolitan	ADJ
inlawrev-4071	98	46	areas	area	NOUN
inlawrev-4071	98	47	nationwide	nationwide	ADV
inlawrev-4071	98	48	and	and	CCONJ
inlawrev-4071	98	49	more	more	ADJ
inlawrev-4071	98	50	than	than	ADP
inlawrev-4071	98	51	four	four	NUM
inlawrev-4071	98	52	million	million	NUM
inlawrev-4071	98	53	loans	loan	NOUN
inlawrev-4071	98	54	,	,	PUNCT
inlawrev-4071	98	55	women	woman	NOUN
inlawrev-4071	98	56	at	at	ADP
inlawrev-4071	98	57	all	all	DET
inlawrev-4071	98	58	income	income	NOUN
inlawrev-4071	98	59	levels	level	NOUN
inlawrev-4071	98	60	were	be	AUX
inlawrev-4071	98	61	disparately	disparately	ADV
inlawrev-4071	98	62	impacted.^^	impacted.^^	X
inlawrev-4071	99	1	this	this	DET
inlawrev-4071	99	2	study	study	NOUN
inlawrev-4071	99	3	also	also	ADV
inlawrev-4071	99	4	confirmed	confirm	VERB
inlawrev-4071	99	5	that	that	SCONJ
inlawrev-4071	99	6	disparate	disparate	ADJ
inlawrev-4071	99	7	subprime	subprime	ADJ
inlawrev-4071	99	8	lending	lending	NOUN
inlawrev-4071	99	9	practices	practice	NOUN
inlawrev-4071	99	10	especially	especially	ADV
inlawrev-4071	99	11	affected	affect	VERB
inlawrev-4071	99	12	black	black	ADJ
inlawrev-4071	99	13	and	and	CCONJ
inlawrev-4071	99	14	hispanic	hispanic	ADJ
inlawrev-4071	99	15	women.^^	women.^^	PROPN
inlawrev-4071	99	16	as	as	SCONJ
inlawrev-4071	99	17	women	woman	NOUN
inlawrev-4071	99	18	's	's	PART
inlawrev-4071	99	19	incomes	income	NOUN
inlawrev-4071	99	20	spiked	spike	VERB
inlawrev-4071	99	21	above	above	ADP
inlawrev-4071	99	22	two	two	NUM
inlawrev-4071	99	23	times	time	NOUN
inlawrev-4071	99	24	the	the	DET
inlawrev-4071	99	25	area	area	NOUN
inlawrev-4071	99	26	median	median	ADJ
inlawrev-4071	99	27	income	income	NOUN
inlawrev-4071	99	28	,	,	PUNCT
inlawrev-4071	99	29	upper	upper	ADJ
inlawrev-4071	99	30	income	income	NOUN
inlawrev-4071	99	31	black	black	ADJ
inlawrev-4071	99	32	women	woman	NOUN
inlawrev-4071	99	33	were	be	AUX
inlawrev-4071	99	34	almost	almost	ADV
inlawrev-4071	99	35	five	five	NUM
inlawrev-4071	99	36	times	time	NOUN
inlawrev-4071	99	37	more	more	ADV
inlawrev-4071	99	38	likely	likely	ADJ
inlawrev-4071	99	39	to	to	PART
inlawrev-4071	99	40	receive	receive	VERB
inlawrev-4071	99	41	a	a	DET
inlawrev-4071	99	42	mortgage	mortgage	NOUN
inlawrev-4071	99	43	in	in	ADP
inlawrev-4071	99	44	the	the	DET
inlawrev-4071	99	45	subprime	subprime	ADJ
inlawrev-4071	99	46	market	market	NOUN
inlawrev-4071	99	47	than	than	SCONJ
inlawrev-4071	99	48	were	be	AUX
inlawrev-4071	99	49	upper	upper	ADJ
inlawrev-4071	99	50	income	income	NOUN
inlawrev-4071	99	51	white	white	PROPN
inlawrev-4071	99	52	men.^^	men.^^	PROPN
inlawrev-4071	99	53	accounting	account	VERB
inlawrev-4071	99	54	for	for	ADP
inlawrev-4071	99	55	all	all	DET
inlawrev-4071	99	56	income	income	NOUN
inlawrev-4071	99	57	levels	level	NOUN
inlawrev-4071	99	58	,	,	PUNCT
inlawrev-4071	99	59	black	black	ADJ
inlawrev-4071	99	60	women	woman	NOUN
inlawrev-4071	99	61	were	be	AUX
inlawrev-4071	99	62	256.1	256.1	NUM
inlawrev-4071	99	63	percent	percent	NOUN
inlawrev-4071	99	64	more	more	ADV
inlawrev-4071	99	65	likely	likely	ADJ
inlawrev-4071	99	66	than	than	SCONJ
inlawrev-4071	99	67	white	white	ADJ
inlawrev-4071	99	68	men	man	NOUN
inlawrev-4071	99	69	to	to	PART
inlawrev-4071	99	70	receive	receive	VERB
inlawrev-4071	99	71	subprime	subprime	ADJ
inlawrev-4071	99	72	purchase	purchase	NOUN
inlawrev-4071	99	73	mortgages.^^	mortgages.^^	PUNCT
inlawrev-4071	99	74	although	although	SCONJ
inlawrev-4071	99	75	the	the	DET
inlawrev-4071	99	76	evidence	evidence	NOUN
inlawrev-4071	99	77	is	be	AUX
inlawrev-4071	99	78	not	not	PART
inlawrev-4071	99	79	as	as	ADV
inlawrev-4071	99	80	compelling	compelling	ADJ
inlawrev-4071	99	81	,	,	PUNCT
inlawrev-4071	99	82	it	it	PRON
inlawrev-4071	99	83	is	be	AUX
inlawrev-4071	99	84	worth	worth	ADJ
inlawrev-4071	99	85	noting	note	VERB
inlawrev-4071	99	86	that	that	SCONJ
inlawrev-4071	99	87	black	black	ADJ
inlawrev-4071	99	88	women	woman	NOUN
inlawrev-4071	99	89	were	be	AUX
inlawrev-4071	99	90	also	also	ADV
inlawrev-4071	99	91	more	more	ADV
inlawrev-4071	99	92	likely	likely	ADJ
inlawrev-4071	99	93	to	to	PART
inlawrev-4071	99	94	receive	receive	VERB
inlawrev-4071	99	95	subprime	subprime	ADJ
inlawrev-4071	99	96	mortgages	mortgage	NOUN
inlawrev-4071	99	97	than	than	ADP
inlawrev-4071	99	98	black	black	ADJ
inlawrev-4071	99	99	men	man	NOUN
inlawrev-4071	99	100	by	by	ADP
inlawrev-4071	99	101	a	a	DET
inlawrev-4071	99	102	rate	rate	NOUN
inlawrev-4071	99	103	of	of	ADP
inlawrev-4071	99	104	5.7	5.7	NUM
inlawrev-4071	99	105	percent	percent	NOUN
inlawrev-4071	99	106	.	.	PUNCT
inlawrev-4071	100	1	"^^	"^^	VERB
inlawrev-4071	100	2	in	in	ADP
inlawrev-4071	100	3	sum	sum	NOUN
inlawrev-4071	100	4	,	,	PUNCT
inlawrev-4071	100	5	women	woman	NOUN
inlawrev-4071	100	6	,	,	PUNCT
inlawrev-4071	100	7	particularly	particularly	ADV
inlawrev-4071	100	8	black	black	ADJ
inlawrev-4071	100	9	and	and	CCONJ
inlawrev-4071	100	10	hispanic	hispanic	ADJ
inlawrev-4071	100	11	,	,	PUNCT
inlawrev-4071	100	12	were	be	AUX
inlawrev-4071	100	13	more	more	ADV
inlawrev-4071	100	14	likely	likely	ADJ
inlawrev-4071	100	15	to	to	PART
inlawrev-4071	100	16	be	be	AUX
inlawrev-4071	100	17	saddled	saddle	VERB
inlawrev-4071	100	18	with	with	ADP
inlawrev-4071	100	19	a	a	DET
inlawrev-4071	100	20	subprime	subprime	ADJ
inlawrev-4071	100	21	mortgage	mortgage	NOUN
inlawrev-4071	100	22	than	than	SCONJ
inlawrev-4071	100	23	were	be	AUX
inlawrev-4071	100	24	men	man	NOUN
inlawrev-4071	100	25	with	with	ADP
inlawrev-4071	100	26	similar	similar	ADJ
inlawrev-4071	100	27	incomes	income	NOUN
inlawrev-4071	100	28	.	.	PUNCT
inlawrev-4071	101	1	what	what	PRON
inlawrev-4071	101	2	evidence	evidence	NOUN
inlawrev-4071	101	3	there	there	PRON
inlawrev-4071	101	4	is	be	VERB
inlawrev-4071	101	5	suggests	suggest	NOUN
inlawrev-4071	101	6	that	that	SCONJ
inlawrev-4071	101	7	lenders	lender	NOUN
inlawrev-4071	101	8	may	may	AUX
inlawrev-4071	101	9	have	have	AUX
inlawrev-4071	101	10	been	be	AUX
inlawrev-4071	101	11	engaging	engage	VERB
inlawrev-4071	101	12	in	in	ADP
inlawrev-4071	101	13	a	a	DET
inlawrev-4071	101	14	practice	practice	NOUN
inlawrev-4071	101	15	of	of	ADP
inlawrev-4071	101	16	gender	gender	NOUN
inlawrev-4071	101	17	-	-	PUNCT
inlawrev-4071	101	18	based	base	VERB
inlawrev-4071	101	19	steering	steering	NOUN
inlawrev-4071	101	20	of	of	ADP
inlawrev-4071	101	21	women	woman	NOUN
inlawrev-4071	101	22	,	,	PUNCT
inlawrev-4071	101	23	especially	especially	ADV
inlawrev-4071	101	24	women	woman	NOUN
inlawrev-4071	101	25	of	of	ADP
inlawrev-4071	101	26	certain	certain	ADJ
inlawrev-4071	101	27	minority	minority	NOUN
inlawrev-4071	101	28	groups	group	NOUN
inlawrev-4071	101	29	,	,	PUNCT
inlawrev-4071	101	30	into	into	ADP
inlawrev-4071	101	31	subprime	subprime	ADJ
inlawrev-4071	101	32	loans	loan	NOUN
inlawrev-4071	101	33	,	,	PUNCT
inlawrev-4071	101	34	when	when	SCONJ
inlawrev-4071	101	35	they	they	PRON
inlawrev-4071	101	36	were	be	AUX
inlawrev-4071	101	37	qualified	qualified	ADJ
inlawrev-4071	101	38	for	for	ADP
inlawrev-4071	101	39	prime	prime	ADJ
inlawrev-4071	101	40	loans	loan	NOUN
inlawrev-4071	101	41	and	and	CCONJ
inlawrev-4071	101	42	when	when	SCONJ
inlawrev-4071	101	43	their	their	PRON
inlawrev-4071	101	44	male	male	ADJ
inlawrev-4071	101	45	peers	peer	NOUN
inlawrev-4071	101	46	with	with	ADP
inlawrev-4071	101	47	comparable	comparable	ADJ
inlawrev-4071	101	48	financial	financial	ADJ
inlawrev-4071	101	49	pictures	picture	NOUN
inlawrev-4071	101	50	received	receive	VERB
inlawrev-4071	101	51	prime	prime	ADJ
inlawrev-4071	101	52	impeded	impede	VERB
inlawrev-4071	101	53	:	:	PUNCT
inlawrev-4071	101	54	continuing	continue	VERB
inlawrev-4071	101	55	lending	lending	NOUN
inlawrev-4071	101	56	disparities	disparity	NOUN
inlawrev-4071	101	57	for	for	ADP
inlawrev-4071	101	58	minorities	minority	NOUN
inlawrev-4071	101	59	and	and	CCONJ
inlawrev-4071	101	60	emerging	emerge	VERB
inlawrev-4071	101	61	obstacles	obstacle	NOUN
inlawrev-4071	101	62	for	for	ADP
inlawrev-4071	101	63	middle	middle	ADJ
inlawrev-4071	101	64	-	-	PUNCT
inlawrev-4071	101	65	income	income	NOUN
inlawrev-4071	101	66	and	and	CCONJ
inlawrev-4071	101	67	female	female	ADJ
inlawrev-4071	101	68	borrowers	borrower	NOUN
inlawrev-4071	101	69	of	of	ADP
inlawrev-4071	101	70	all	all	DET
inlawrev-4071	101	71	races	race	NOUN
inlawrev-4071	101	72	1	1	NUM
inlawrev-4071	101	73	(	(	PUNCT
inlawrev-4071	101	74	2006	2006	NUM
inlawrev-4071	101	75	)	)	PUNCT
inlawrev-4071	101	76	.	.	PUNCT
inlawrev-4071	102	1	21	21	NUM
inlawrev-4071	102	2	.	.	X
inlawrev-4071	102	3	mat	mat	NOUN
inlawrev-4071	102	4	2	2	NUM
inlawrev-4071	102	5	-	-	SYM
inlawrev-4071	102	6	3	3	NUM
inlawrev-4071	102	7	.	.	NOUN
inlawrev-4071	102	8	22	22	NUM
inlawrev-4071	102	9	.	.	PUNCT
inlawrev-4071	103	1	i	i	PRON
inlawrev-4071	103	2	d.	d.	PROPN
inlawrev-4071	103	3	23	23	NUM
inlawrev-4071	103	4	.	.	PUNCT
inlawrev-4071	104	1	mat	mat	NOUN
inlawrev-4071	104	2	3	3	NUM
inlawrev-4071	104	3	-	-	SYM
inlawrev-4071	104	4	4	4	NUM
inlawrev-4071	104	5	.	.	NUM
inlawrev-4071	104	6	24	24	NUM
inlawrev-4071	104	7	.	.	PUNCT
inlawrev-4071	104	8	fishbein	fishbein	PROPN
inlawrev-4071	104	9	&	&	CCONJ
inlawrev-4071	104	10	woodall	woodall	PROPN
inlawrev-4071	104	11	,	,	PUNCT
inlawrev-4071	104	12	supra	supra	PROPN
inlawrev-4071	104	13	note	note	NOUN
inlawrev-4071	104	14	4	4	NUM
inlawrev-4071	104	15	,	,	PUNCT
inlawrev-4071	104	16	at	at	ADP
inlawrev-4071	104	17	1	1	NUM
inlawrev-4071	104	18	.	.	PUNCT
inlawrev-4071	105	1	25	25	NUM
inlawrev-4071	105	2	.	.	X
inlawrev-4071	105	3	mat	mat	PROPN
inlawrev-4071	105	4	4	4	NUM
inlawrev-4071	105	5	.	.	NOUN
inlawrev-4071	105	6	26	26	NUM
inlawrev-4071	105	7	.	.	PUNCT
inlawrev-4071	106	1	i	i	PRON
inlawrev-4071	106	2	d.	d.	PROPN
inlawrev-4071	106	3	27	27	NUM
inlawrev-4071	106	4	.	.	PUNCT
inlawrev-4071	107	1	mat	mat	NOUN
inlawrev-4071	107	2	3	3	NUM
inlawrev-4071	107	3	-	-	SYM
inlawrev-4071	107	4	4	4	NUM
inlawrev-4071	107	5	.	.	PUNCT
inlawrev-4071	108	1	for	for	ADP
inlawrev-4071	108	2	purchase	purchase	NOUN
inlawrev-4071	108	3	mortgages	mortgage	NOUN
inlawrev-4071	108	4	,	,	PUNCT
inlawrev-4071	108	5	women	woman	NOUN
inlawrev-4071	108	6	earning	earn	VERB
inlawrev-4071	108	7	double	double	DET
inlawrev-4071	108	8	the	the	DET
inlawrev-4071	108	9	median	median	ADJ
inlawrev-4071	108	10	income	income	NOUN
inlawrev-4071	108	11	are	be	AUX
inlawrev-4071	108	12	46.4	46.4	NUM
inlawrev-4071	108	13	percent	percent	NOUN
inlawrev-4071	108	14	more	more	ADV
inlawrev-4071	108	15	likely	likely	ADJ
inlawrev-4071	108	16	to	to	PART
inlawrev-4071	108	17	receive	receive	VERB
inlawrev-4071	108	18	subprime	subprime	ADJ
inlawrev-4071	108	19	mortgages	mortgage	NOUN
inlawrev-4071	108	20	than	than	ADP
inlawrev-4071	108	21	men	man	NOUN
inlawrev-4071	108	22	with	with	ADP
inlawrev-4071	108	23	similar	similar	ADJ
inlawrev-4071	108	24	incomes	income	NOUN
inlawrev-4071	108	25	.	.	PUNCT
inlawrev-4071	109	1	in	in	ADP
inlawrev-4071	109	2	contrast	contrast	NOUN
inlawrev-4071	109	3	,	,	PUNCT
inlawrev-4071	109	4	women	woman	NOUN
inlawrev-4071	109	5	earning	earn	VERB
inlawrev-4071	109	6	below	below	ADP
inlawrev-4071	109	7	the	the	DET
inlawrev-4071	109	8	area	area	NOUN
inlawrev-4071	109	9	median	median	ADJ
inlawrev-4071	109	10	income	income	NOUN
inlawrev-4071	109	11	are	be	AUX
inlawrev-4071	109	12	3.3	3.3	NUM
inlawrev-4071	109	13	percent	percent	NOUN
inlawrev-4071	109	14	more	more	ADV
inlawrev-4071	109	15	likely	likely	ADJ
inlawrev-4071	109	16	to	to	PART
inlawrev-4071	109	17	receive	receive	VERB
inlawrev-4071	109	18	subprime	subprime	ADJ
inlawrev-4071	109	19	mortgages	mortgage	NOUN
inlawrev-4071	109	20	.	.	PUNCT
inlawrev-4071	110	1	women	woman	NOUN
inlawrev-4071	110	2	earning	earn	VERB
inlawrev-4071	110	3	between	between	ADP
inlawrev-4071	110	4	the	the	DET
inlawrev-4071	110	5	median	median	NOUN
inlawrev-4071	110	6	and	and	CCONJ
inlawrev-4071	110	7	twice	twice	DET
inlawrev-4071	110	8	the	the	DET
inlawrev-4071	110	9	median	median	ADJ
inlawrev-4071	110	10	income	income	NOUN
inlawrev-4071	110	11	are	be	AUX
inlawrev-4071	110	12	28	28	NUM
inlawrev-4071	110	13	.	.	NOUN
inlawrev-4071	110	14	1	1	NUM
inlawrev-4071	110	15	percent	percent	NOUN
inlawrev-4071	110	16	more	more	ADV
inlawrev-4071	110	17	likely	likely	ADJ
inlawrev-4071	110	18	to	to	PART
inlawrev-4071	110	19	receive	receive	VERB
inlawrev-4071	110	20	subprime	subprime	ADJ
inlawrev-4071	110	21	purchase	purchase	NOUN
inlawrev-4071	110	22	mortgages	mortgage	NOUN
inlawrev-4071	110	23	than	than	ADP
inlawrev-4071	110	24	men	man	NOUN
inlawrev-4071	110	25	.	.	PUNCT
inlawrev-4071	111	1	m	m	PROPN
inlawrev-4071	111	2	at3	at3	PROPN
inlawrev-4071	111	3	.	.	PROPN
inlawrev-4071	112	1	28	28	NUM
inlawrev-4071	112	2	.	.	X
inlawrev-4071	112	3	mat	mat	PROPN
inlawrev-4071	112	4	4	4	NUM
inlawrev-4071	112	5	.	.	NOUN
inlawrev-4071	112	6	29	29	NUM
inlawrev-4071	112	7	.	.	PUNCT
inlawrev-4071	113	1	i	i	PRON
inlawrev-4071	113	2	d	d	PROPN
inlawrev-4071	113	3	1	1	NUM
inlawrev-4071	113	4	222	222	NUM
inlawrev-4071	113	5	indiana	indiana	PROPN
inlawrev-4071	113	6	law	law	PROPN
inlawrev-4071	113	7	review	review	NOUN
inlawrev-4071	114	1	[	[	X
inlawrev-4071	114	2	vol	vol	NOUN
inlawrev-4071	114	3	.	.	PUNCT
inlawrev-4071	115	1	43	43	NUM
inlawrev-4071	115	2	:	:	SYM
inlawrev-4071	115	3	1	1	NUM
inlawrev-4071	115	4	2	2	NUM
inlawrev-4071	115	5	1	1	NUM
inlawrev-4071	115	6	7	7	NUM
inlawrev-4071	115	7	loans.^^	loans.^^	PUNCT
inlawrev-4071	115	8	certainly	certainly	ADV
inlawrev-4071	115	9	being	be	AUX
inlawrev-4071	115	10	both	both	CCONJ
inlawrev-4071	115	11	a	a	DET
inlawrev-4071	115	12	woman	woman	NOUN
inlawrev-4071	115	13	and	and	CCONJ
inlawrev-4071	115	14	a	a	DET
inlawrev-4071	115	15	minority	minority	NOUN
inlawrev-4071	115	16	hurts	hurt	VERB
inlawrev-4071	115	17	black	black	ADJ
inlawrev-4071	115	18	and	and	CCONJ
inlawrev-4071	115	19	hispanic	hispanic	ADJ
inlawrev-4071	115	20	women	woman	NOUN
inlawrev-4071	115	21	's	's	PART
inlawrev-4071	115	22	chances	chance	NOUN
inlawrev-4071	115	23	of	of	ADP
inlawrev-4071	115	24	getting	get	VERB
inlawrev-4071	115	25	a	a	DET
inlawrev-4071	115	26	prime	prime	ADJ
inlawrev-4071	115	27	rate	rate	NOUN
inlawrev-4071	115	28	mortgage	mortgage	NOUN
inlawrev-4071	115	29	loan	loan	NOUN
inlawrev-4071	115	30	.	.	PUNCT
inlawrev-4071	116	1	the	the	DET
inlawrev-4071	116	2	banking	banking	NOUN
inlawrev-4071	116	3	industry	industry	NOUN
inlawrev-4071	116	4	has	have	AUX
inlawrev-4071	116	5	responded	respond	VERB
inlawrev-4071	116	6	in	in	ADP
inlawrev-4071	116	7	a	a	DET
inlawrev-4071	116	8	rather	rather	ADV
inlawrev-4071	116	9	predictable	predictable	ADJ
inlawrev-4071	116	10	way	way	NOUN
inlawrev-4071	116	11	to	to	ADP
inlawrev-4071	116	12	these	these	DET
inlawrev-4071	116	13	recent	recent	ADJ
inlawrev-4071	116	14	events	event	NOUN
inlawrev-4071	116	15	.	.	PUNCT
inlawrev-4071	117	1	the	the	DET
inlawrev-4071	117	2	more	more	ADV
inlawrev-4071	117	3	common	common	ADJ
inlawrev-4071	117	4	responses	response	NOUN
inlawrev-4071	117	5	include	include	VERB
inlawrev-4071	117	6	statements	statement	NOUN
inlawrev-4071	117	7	include	include	VERB
inlawrev-4071	117	8	:	:	PUNCT
inlawrev-4071	117	9	•	•	ADP
inlawrev-4071	117	10	you	you	PRON
inlawrev-4071	117	11	are	be	AUX
inlawrev-4071	117	12	over	over	ADP
inlawrev-4071	117	13	generalizing	generalize	VERB
inlawrev-4071	117	14	—	—	PUNCT
inlawrev-4071	117	15	attributing	attribute	VERB
inlawrev-4071	117	16	the	the	DET
inlawrev-4071	117	17	actions	action	NOUN
inlawrev-4071	117	18	ofa	ofa	PROPN
inlawrev-4071	117	19	few	few	ADJ
inlawrev-4071	117	20	brokers	broker	NOUN
inlawrev-4071	117	21	or	or	CCONJ
inlawrev-4071	117	22	lenders	lender	NOUN
inlawrev-4071	117	23	to	to	ADP
inlawrev-4071	117	24	the	the	DET
inlawrev-4071	117	25	entire	entire	ADJ
inlawrev-4071	117	26	industry.^	industry.^	NOUN
inlawrev-4071	117	27	^	^	PUNCT
inlawrev-4071	117	28	•	•	ADP
inlawrev-4071	117	29	this	this	DET
inlawrev-4071	117	30	hmda	hmda	ADJ
inlawrev-4071	117	31	data	datum	NOUN
inlawrev-4071	117	32	you	you	PRON
inlawrev-4071	117	33	rely	rely	VERB
inlawrev-4071	117	34	upon	upon	SCONJ
inlawrev-4071	117	35	is	be	AUX
inlawrev-4071	117	36	limited	limited	ADJ
inlawrev-4071	117	37	,	,	PUNCT
inlawrev-4071	117	38	it	it	PRON
inlawrev-4071	117	39	is	be	AUX
inlawrev-4071	117	40	not	not	PART
inlawrev-4071	117	41	telling	tell	VERB
inlawrev-4071	117	42	the	the	DET
inlawrev-4071	117	43	entire	entire	ADJ
inlawrev-4071	117	44	story	story	NOUN
inlawrev-4071	117	45	because	because	SCONJ
inlawrev-4071	117	46	lenders	lender	NOUN
inlawrev-4071	117	47	consider	consider	VERB
inlawrev-4071	117	48	many	many	ADJ
inlawrev-4071	117	49	factors	factor	NOUN
inlawrev-4071	117	50	in	in	ADP
inlawrev-4071	117	51	addition	addition	NOUN
inlawrev-4071	117	52	to	to	ADP
inlawrev-4071	117	53	those	those	DET
inlawrev-4071	117	54	hmda	hmda	PROPN
inlawrev-4071	117	55	requires	require	VERB
inlawrev-4071	117	56	lenders	lender	NOUN
inlawrev-4071	117	57	to	to	PART
inlawrev-4071	117	58	report	report	VERB
inlawrev-4071	117	59	and	and	CCONJ
inlawrev-4071	117	60	there	there	PRON
inlawrev-4071	117	61	are	be	VERB
inlawrev-4071	117	62	also	also	ADV
inlawrev-4071	117	63	many	many	ADJ
inlawrev-4071	117	64	loans	loan	NOUN
inlawrev-4071	117	65	that	that	PRON
inlawrev-4071	117	66	hmda	hmda	PROPN
inlawrev-4071	117	67	does	do	AUX
inlawrev-4071	117	68	n't	not	PART
inlawrev-4071	117	69	require	require	VERB
inlawrev-4071	117	70	lenders	lender	NOUN
inlawrev-4071	117	71	to	to	PART
inlawrev-4071	117	72	report	report	VERB
inlawrev-4071	117	73	.	.	PUNCT
inlawrev-4071	118	1	^^	^^	PUNCT
inlawrev-4071	119	1	•	•	NOUN
inlawrev-4071	119	2	this	this	PRON
inlawrev-4071	119	3	is	be	AUX
inlawrev-4071	119	4	a	a	DET
inlawrev-4071	119	5	very	very	ADV
inlawrev-4071	119	6	subjective	subjective	ADJ
inlawrev-4071	119	7	process	process	NOUN
inlawrev-4071	119	8	and	and	CCONJ
inlawrev-4071	119	9	has	have	VERB
inlawrev-4071	119	10	to	to	PART
inlawrev-4071	119	11	be	be	AUX
inlawrev-4071	119	12	if	if	SCONJ
inlawrev-4071	119	13	lenders	lender	NOUN
inlawrev-4071	119	14	are	be	AUX
inlawrev-4071	119	15	going	go	VERB
inlawrev-4071	119	16	to	to	PART
inlawrev-4071	119	17	be	be	AUX
inlawrev-4071	119	18	able	able	ADJ
inlawrev-4071	119	19	to	to	PART
inlawrev-4071	119	20	make	make	VERB
inlawrev-4071	119	21	loans	loan	NOUN
inlawrev-4071	119	22	to	to	ADP
inlawrev-4071	119	23	minorities	minority	NOUN
inlawrev-4071	119	24	and	and	CCONJ
inlawrev-4071	119	25	lower	low	ADJ
inlawrev-4071	119	26	income	income	NOUN
inlawrev-4071	119	27	people.^^	people.^^	NUM
inlawrev-4071	119	28	•	•	ADP
inlawrev-4071	119	29	the	the	DET
inlawrev-4071	119	30	community	community	NOUN
inlawrev-4071	119	31	reinvestment	reinvestment	NOUN
inlawrev-4071	119	32	act	act	NOUN
inlawrev-4071	119	33	is	be	AUX
inlawrev-4071	119	34	really	really	ADV
inlawrev-4071	119	35	to	to	ADP
inlawrev-4071	119	36	blame.^"^	blame.^"^	ADP
inlawrev-4071	119	37	consumer	consumer	NOUN
inlawrev-4071	119	38	advocates	advocate	NOUN
inlawrev-4071	119	39	and	and	CCONJ
inlawrev-4071	119	40	members	member	NOUN
inlawrev-4071	119	41	of	of	ADP
inlawrev-4071	119	42	congress	congress	PROPN
inlawrev-4071	119	43	have	have	AUX
inlawrev-4071	119	44	responded	respond	VERB
inlawrev-4071	119	45	to	to	ADP
inlawrev-4071	119	46	these	these	DET
inlawrev-4071	119	47	30	30	NUM
inlawrev-4071	119	48	.	.	PUNCT
inlawrev-4071	120	1	e.g.	e.g.	ADV
inlawrev-4071	120	2	,	,	PUNCT
inlawrev-4071	120	3	minority	minority	NOUN
inlawrev-4071	120	4	subprime	subprime	ADJ
inlawrev-4071	120	5	borrowers	borrower	NOUN
inlawrev-4071	120	6	,	,	PUNCT
inlawrev-4071	120	7	minorities	minority	NOUN
inlawrev-4071	120	8	pay	pay	VERB
inlawrev-4071	120	9	more	more	ADJ
inlawrev-4071	120	10	for	for	ADP
inlawrev-4071	120	11	home	home	NOUN
inlawrev-4071	120	12	ownership	ownership	NOUN
inlawrev-4071	120	13	(	(	PUNCT
inlawrev-4071	120	14	oct	oct	PROPN
inlawrev-4071	120	15	.	.	PROPN
inlawrev-4071	120	16	2002	2002	NUM
inlawrev-4071	120	17	)	)	PUNCT
inlawrev-4071	120	18	,	,	PUNCT
inlawrev-4071	120	19	http://www.consumersunion.org/pdf7au-minority-rpt.pdf	http://www.consumersunion.org/pdf7au-minority-rpt.pdf	NOUN
inlawrev-4071	120	20	(	(	PUNCT
inlawrev-4071	120	21	last	last	ADJ
inlawrev-4071	120	22	visited	visit	VERB
inlawrev-4071	120	23	may	may	PROPN
inlawrev-4071	120	24	16	16	NUM
inlawrev-4071	120	25	,	,	PUNCT
inlawrev-4071	120	26	2010	2010	NUM
inlawrev-4071	120	27	)	)	PUNCT
inlawrev-4071	120	28	.	.	PUNCT
inlawrev-4071	121	1	consumers	consumer	NOUN
inlawrev-4071	121	2	union	union	PROPN
inlawrev-4071	121	3	released	release	VERB
inlawrev-4071	121	4	a	a	DET
inlawrev-4071	121	5	study	study	NOUN
inlawrev-4071	121	6	analyzing	analyze	VERB
inlawrev-4071	121	7	the	the	DET
inlawrev-4071	121	8	impact	impact	NOUN
inlawrev-4071	121	9	ofgender	ofgender	NOUN
inlawrev-4071	121	10	as	as	ADP
inlawrev-4071	121	11	a	a	DET
inlawrev-4071	121	12	predictor	predictor	NOUN
inlawrev-4071	121	13	ofwhether	ofwhether	ADV
inlawrev-4071	121	14	or	or	CCONJ
inlawrev-4071	121	15	not	not	PART
inlawrev-4071	121	16	a	a	DET
inlawrev-4071	121	17	borrower	borrower	NOUN
inlawrev-4071	121	18	would	would	AUX
inlawrev-4071	121	19	receive	receive	VERB
inlawrev-4071	121	20	a	a	DET
inlawrev-4071	121	21	subprime	subprime	ADJ
inlawrev-4071	121	22	loan	loan	NOUN
inlawrev-4071	121	23	or	or	CCONJ
inlawrev-4071	121	24	refinance	refinance	NOUN
inlawrev-4071	121	25	.	.	PUNCT
inlawrev-4071	122	1	the	the	DET
inlawrev-4071	122	2	impact	impact	NOUN
inlawrev-4071	122	3	of	of	ADP
inlawrev-4071	122	4	borrowers	borrower	NOUN
inlawrev-4071	122	5	'	'	PART
inlawrev-4071	122	6	race	race	NOUN
inlawrev-4071	122	7	as	as	ADP
inlawrev-4071	122	8	a	a	DET
inlawrev-4071	122	9	predictor	predictor	NOUN
inlawrev-4071	122	10	was	be	AUX
inlawrev-4071	122	11	constant	constant	ADJ
inlawrev-4071	122	12	across	across	ADP
inlawrev-4071	122	13	gender	gender	NOUN
inlawrev-4071	122	14	lines	line	NOUN
inlawrev-4071	122	15	and	and	CCONJ
inlawrev-4071	122	16	consumers	consumer	NOUN
inlawrev-4071	122	17	union	union	PROPN
inlawrev-4071	122	18	found	find	VERB
inlawrev-4071	122	19	that	that	SCONJ
inlawrev-4071	122	20	among	among	ADP
inlawrev-4071	122	21	all	all	DET
inlawrev-4071	122	22	categories	category	NOUN
inlawrev-4071	122	23	ofrace	ofrace	NOUN
inlawrev-4071	122	24	and	and	CCONJ
inlawrev-4071	122	25	gender	gender	NOUN
inlawrev-4071	122	26	,	,	PUNCT
inlawrev-4071	122	27	"	"	PUNCT
inlawrev-4071	122	28	subprime	subprime	ADJ
inlawrev-4071	122	29	companies	company	NOUN
inlawrev-4071	122	30	enjoy	enjoy	VERB
inlawrev-4071	122	31	their	their	PRON
inlawrev-4071	122	32	highest	high	ADJ
inlawrev-4071	122	33	penetration	penetration	NOUN
inlawrev-4071	122	34	rates	rate	NOUN
inlawrev-4071	122	35	among	among	ADP
inlawrev-4071	122	36	black	black	ADJ
inlawrev-4071	122	37	women	woman	NOUN
inlawrev-4071	122	38	borrowers	borrower	NOUN
inlawrev-4071	122	39	and	and	CCONJ
inlawrev-4071	122	40	in	in	ADP
inlawrev-4071	122	41	high	high	ADJ
inlawrev-4071	122	42	.	.	PUNCT
inlawrev-4071	122	43	.	.	PUNCT
inlawrev-4071	122	44	.	.	PUNCT
inlawrev-4071	123	1	minority	minority	NOUN
inlawrev-4071	123	2	neighborhoods	neighborhood	NOUN
inlawrev-4071	123	3	.	.	PUNCT
inlawrev-4071	123	4	"	"	PUNCT
inlawrev-4071	124	1	i	i	PRON
inlawrev-4071	124	2	d	d	PROPN
inlawrev-4071	124	3	at	at	ADP
inlawrev-4071	124	4	3	3	NUM
inlawrev-4071	124	5	;	;	PUNCT
inlawrev-4071	124	6	see	see	VERB
inlawrev-4071	124	7	fishbein	fishbein	PROPN
inlawrev-4071	124	8	&	&	CCONJ
inlawrev-4071	124	9	woodall	woodall	PROPN
inlawrev-4071	124	10	,	,	PUNCT
inlawrev-4071	124	11	supra	supra	PROPN
inlawrev-4071	124	12	note	note	NOUN
inlawrev-4071	124	13	4	4	NUM
inlawrev-4071	124	14	,	,	PUNCT
inlawrev-4071	124	15	at	at	ADP
inlawrev-4071	124	16	1	1	NUM
inlawrev-4071	124	17	;	;	PUNCT
inlawrev-4071	124	18	nat'l	nat'l	NOUN
inlawrev-4071	124	19	cmty	cmty	NOUN
inlawrev-4071	124	20	.	.	PUNCT
inlawrev-4071	125	1	reinvestment	reinvestment	NOUN
inlawrev-4071	125	2	coal	coal	NOUN
inlawrev-4071	125	3	.	.	PUNCT
inlawrev-4071	126	1	,	,	PUNCT
inlawrev-4071	126	2	supra	supra	PROPN
inlawrev-4071	126	3	note	note	NOUN
inlawrev-4071	126	4	20	20	NUM
inlawrev-4071	126	5	.	.	PUNCT
inlawrev-4071	127	1	but	but	CCONJ
inlawrev-4071	127	2	see	see	VERB
inlawrev-4071	127	3	nat'l	nat'l	PROPN
inlawrev-4071	127	4	council	council	PROPN
inlawrev-4071	127	5	of	of	ADP
inlawrev-4071	127	6	negro	negro	PROPN
inlawrev-4071	127	7	women	women	PROPN
inlawrev-4071	127	8	,	,	PUNCT
inlawrev-4071	127	9	supra	supra	PROPN
inlawrev-4071	127	10	note	note	PROPN
inlawrev-4071	127	11	15	15	NUM
inlawrev-4071	127	12	,	,	PUNCT
inlawrev-4071	127	13	at	at	ADP
inlawrev-4071	127	14	10	10	NUM
inlawrev-4071	127	15	(	(	PUNCT
inlawrev-4071	127	16	stating	state	VERB
inlawrev-4071	127	17	that	that	SCONJ
inlawrev-4071	127	18	its	its	PRON
inlawrev-4071	127	19	analysis	analysis	NOUN
inlawrev-4071	127	20	of2007	of2007	ADJ
inlawrev-4071	127	21	home	home	NOUN
inlawrev-4071	127	22	mortgage	mortgage	NOUN
inlawrev-4071	127	23	disclosure	disclosure	PROPN
inlawrev-4071	127	24	act	act	PROPN
inlawrev-4071	127	25	data	datum	NOUN
inlawrev-4071	127	26	did	do	AUX
inlawrev-4071	127	27	not	not	PART
inlawrev-4071	127	28	reveal	reveal	VERB
inlawrev-4071	127	29	"	"	PUNCT
inlawrev-4071	127	30	gender	gender	NOUN
inlawrev-4071	127	31	-	-	PUNCT
inlawrev-4071	127	32	based	base	VERB
inlawrev-4071	127	33	disparities	disparity	NOUN
inlawrev-4071	127	34	in	in	ADP
inlawrev-4071	127	35	lending	lending	NOUN
inlawrev-4071	127	36	"	"	PUNCT
inlawrev-4071	127	37	)	)	PUNCT
inlawrev-4071	127	38	.	.	PUNCT
inlawrev-4071	128	1	3	3	NUM
inlawrev-4071	128	2	1	1	NUM
inlawrev-4071	128	3	.	.	PUNCT
inlawrev-4071	129	1	see	see	VERB
inlawrev-4071	129	2	claire	claire	PROPN
inlawrev-4071	129	3	a.	a.	PROPN
inlawrev-4071	129	4	hill	hill	PROPN
inlawrev-4071	129	5	,	,	PUNCT
inlawrev-4071	129	6	who	who	PRON
inlawrev-4071	129	7	were	be	AUX
inlawrev-4071	129	8	the	the	DET
inlawrev-4071	129	9	villains	villain	NOUN
inlawrev-4071	129	10	in	in	ADP
inlawrev-4071	129	11	the	the	DET
inlawrev-4071	129	12	subprime	subprime	ADJ
inlawrev-4071	129	13	crisis	crisis	NOUN
inlawrev-4071	129	14	,	,	PUNCT
inlawrev-4071	129	15	and	and	CCONJ
inlawrev-4071	129	16	why	why	SCONJ
inlawrev-4071	129	17	it	it	PRON
inlawrev-4071	129	18	matters	matter	VERB
inlawrev-4071	129	19	,	,	PUNCT
inlawrev-4071	129	20	4	4	NUM
inlawrev-4071	129	21	entrepreneurialbus	entrepreneurialbus	NOUN
inlawrev-4071	129	22	.	.	PUNCT
inlawrev-4071	130	1	l.j	l.j	PROPN
inlawrev-4071	130	2	.	.	PROPN
inlawrev-4071	131	1	323	323	NUM
inlawrev-4071	131	2	(	(	PUNCT
inlawrev-4071	131	3	2010	2010	NUM
inlawrev-4071	131	4	)	)	PUNCT
inlawrev-4071	132	1	,	,	PUNCT
inlawrev-4071	132	2	av<3//az>/ear	av<3//az>/ear	AUX
inlawrev-4071	132	3	http://moritzlaw.osu.edu/eblj/issues/volume4/	http://moritzlaw.osu.edu/eblj/issues/volume4/	VERB
inlawrev-4071	132	4	number2	number2	NOUN
inlawrev-4071	132	5	/	/	SYM
inlawrev-4071	132	6	hill.pdf(discussing	hill.pdf(discusse	VERB
inlawrev-4071	132	7	the	the	DET
inlawrev-4071	132	8	actors	actor	NOUN
inlawrev-4071	132	9	in	in	ADP
inlawrev-4071	132	10	the	the	DET
inlawrev-4071	132	11	subprime	subprime	ADJ
inlawrev-4071	132	12	mortgage	mortgage	NOUN
inlawrev-4071	132	13	crisis	crisis	NOUN
inlawrev-4071	132	14	and	and	CCONJ
inlawrev-4071	132	15	ranking	rank	VERB
inlawrev-4071	132	16	them	they	PRON
inlawrev-4071	132	17	in	in	ADP
inlawrev-4071	132	18	terms	term	NOUN
inlawrev-4071	132	19	oftheir	oftheir	DET
inlawrev-4071	132	20	degree	degree	NOUN
inlawrev-4071	132	21	ofvillainy	ofvillainy	ADJ
inlawrev-4071	132	22	)	)	PUNCT
inlawrev-4071	132	23	;	;	PUNCT
inlawrev-4071	132	24	see	see	VERB
inlawrev-4071	132	25	also	also	ADV
inlawrev-4071	132	26	brown	brown	ADJ
inlawrev-4071	132	27	,	,	PUNCT
inlawrev-4071	132	28	supra	supra	PROPN
inlawrev-4071	132	29	note	note	NOUN
inlawrev-4071	132	30	1	1	NUM
inlawrev-4071	132	31	,	,	PUNCT
inlawrev-4071	132	32	at	at	ADP
inlawrev-4071	132	33	25	25	NUM
inlawrev-4071	132	34	(	(	PUNCT
inlawrev-4071	132	35	discussing	discuss	VERB
inlawrev-4071	132	36	a	a	DET
inlawrev-4071	132	37	boston	boston	PROPN
inlawrev-4071	132	38	fed	fed	PROPN
inlawrev-4071	132	39	study	study	NOUN
inlawrev-4071	132	40	that	that	SCONJ
inlawrev-4071	132	41	"	"	PUNCT
inlawrev-4071	132	42	tested	test	VERB
inlawrev-4071	132	43	the	the	DET
inlawrev-4071	132	44	pervasiveness	pervasiveness	ADJ
inlawrev-4071	132	45	ofpossible	ofpossible	ADJ
inlawrev-4071	132	46	race	race	NOUN
inlawrev-4071	132	47	bias	bias	NOUN
inlawrev-4071	133	1	[	[	X
inlawrev-4071	133	2	in	in	ADP
inlawrev-4071	133	3	the	the	DET
inlawrev-4071	133	4	context	context	NOUN
inlawrev-4071	133	5	of	of	ADP
inlawrev-4071	133	6	the	the	DET
inlawrev-4071	133	7	subprime	subprime	ADJ
inlawrev-4071	133	8	mortgage	mortgage	NOUN
inlawrev-4071	133	9	crisis	crisis	NOUN
inlawrev-4071	133	10	]	]	PUNCT
inlawrev-4071	133	11	by	by	ADP
inlawrev-4071	133	12	questioning	question	VERB
inlawrev-4071	133	13	whether	whether	SCONJ
inlawrev-4071	133	14	racial	racial	ADJ
inlawrev-4071	133	15	disparities	disparity	NOUN
inlawrev-4071	133	16	in	in	ADP
inlawrev-4071	133	17	rejection	rejection	NOUN
inlawrev-4071	133	18	rates	rate	NOUN
inlawrev-4071	133	19	were	be	AUX
inlawrev-4071	133	20	due	due	ADJ
inlawrev-4071	133	21	to	to	ADP
inlawrev-4071	133	22	isolated	isolate	VERB
inlawrev-4071	133	23	discriminatory	discriminatory	ADJ
inlawrev-4071	133	24	conduct	conduct	NOUN
inlawrev-4071	133	25	by	by	ADP
inlawrev-4071	133	26	one	one	NUM
inlawrev-4071	133	27	or	or	CCONJ
inlawrev-4071	133	28	two	two	NUM
inlawrev-4071	133	29	institutions	institution	NOUN
inlawrev-4071	133	30	in	in	ADP
inlawrev-4071	133	31	contrast	contrast	NOUN
inlawrev-4071	133	32	to	to	ADP
inlawrev-4071	133	33	market	market	NOUN
inlawrev-4071	133	34	-	-	PUNCT
inlawrev-4071	133	35	wide	wide	ADJ
inlawrev-4071	133	36	phenomenon	phenomenon	NOUN
inlawrev-4071	133	37	of	of	ADP
inlawrev-4071	133	38	discrimination	discrimination	NOUN
inlawrev-4071	133	39	"	"	PUNCT
inlawrev-4071	133	40	)	)	PUNCT
inlawrev-4071	133	41	.	.	PUNCT
inlawrev-4071	134	1	32	32	NUM
inlawrev-4071	134	2	.	.	PUNCT
inlawrev-4071	135	1	see	see	VERB
inlawrev-4071	135	2	generally	generally	ADV
inlawrev-4071	135	3	darryl	darryl	PROPN
inlawrev-4071	135	4	e.	e.	PROPN
inlawrev-4071	135	5	getter	getter	PROPN
inlawrev-4071	135	6	,	,	PUNCT
inlawrev-4071	135	7	reporting	report	VERB
inlawrev-4071	135	8	issues	issue	NOUN
inlawrev-4071	135	9	under	under	ADP
inlawrev-4071	135	10	the	the	DET
inlawrev-4071	135	11	home	home	NOUN
inlawrev-4071	135	12	mortgage	mortgage	NOUN
inlawrev-4071	135	13	disclosure	disclosure	PROPN
inlawrev-4071	135	14	act	act	PROPN
inlawrev-4071	135	15	,	,	PUNCT
inlawrev-4071	135	16	crs	crs	PROPN
inlawrev-4071	135	17	report	report	NOUN
inlawrev-4071	135	18	for	for	ADP
inlawrev-4071	135	19	congress	congress	PROPN
inlawrev-4071	135	20	3	3	NUM
inlawrev-4071	135	21	-	-	SYM
inlawrev-4071	135	22	4	4	NUM
inlawrev-4071	135	23	(	(	PUNCT
inlawrev-4071	135	24	oct	oct	PROPN
inlawrev-4071	135	25	.	.	PROPN
inlawrev-4071	135	26	24	24	NUM
inlawrev-4071	135	27	,	,	PUNCT
inlawrev-4071	135	28	2008	2008	NUM
inlawrev-4071	135	29	)	)	PUNCT
inlawrev-4071	135	30	(	(	PUNCT
inlawrev-4071	135	31	discussing	discuss	VERB
inlawrev-4071	135	32	hmda	hmda	ADJ
inlawrev-4071	135	33	reporting	reporting	NOUN
inlawrev-4071	135	34	requirements	requirement	NOUN
inlawrev-4071	135	35	and	and	CCONJ
inlawrev-4071	135	36	coverage	coverage	NOUN
inlawrev-4071	135	37	)	)	PUNCT
inlawrev-4071	135	38	.	.	PUNCT
inlawrev-4071	136	1	33	33	NUM
inlawrev-4071	136	2	.	.	PUNCT
inlawrev-4071	137	1	see	see	VERB
inlawrev-4071	137	2	brown	brown	PROPN
inlawrev-4071	137	3	,	,	PUNCT
inlawrev-4071	137	4	supra	supra	PROPN
inlawrev-4071	137	5	note	note	NOUN
inlawrev-4071	137	6	1	1	NUM
inlawrev-4071	137	7	,	,	PUNCT
inlawrev-4071	137	8	at	at	ADP
inlawrev-4071	137	9	17	17	NUM
inlawrev-4071	137	10	-	-	SYM
inlawrev-4071	137	11	21	21	NUM
inlawrev-4071	137	12	for	for	ADP
inlawrev-4071	137	13	a	a	DET
inlawrev-4071	137	14	discussion	discussion	NOUN
inlawrev-4071	137	15	of	of	ADP
inlawrev-4071	137	16	the	the	DET
inlawrev-4071	137	17	subjective	subjective	ADJ
inlawrev-4071	137	18	and	and	CCONJ
inlawrev-4071	137	19	objective	objective	ADJ
inlawrev-4071	137	20	information	information	NOUN
inlawrev-4071	137	21	lenders	lender	NOUN
inlawrev-4071	137	22	receive	receive	VERB
inlawrev-4071	137	23	as	as	ADP
inlawrev-4071	137	24	part	part	NOUN
inlawrev-4071	137	25	of	of	ADP
inlawrev-4071	137	26	the	the	DET
inlawrev-4071	137	27	lending	lending	NOUN
inlawrev-4071	137	28	process	process	NOUN
inlawrev-4071	137	29	.	.	PUNCT
inlawrev-4071	138	1	34	34	NUM
inlawrev-4071	138	2	.	.	PUNCT
inlawrev-4071	139	1	for	for	ADP
inlawrev-4071	139	2	example	example	NOUN
inlawrev-4071	139	3	,	,	PUNCT
inlawrev-4071	139	4	consider	consider	VERB
inlawrev-4071	139	5	the	the	DET
inlawrev-4071	139	6	following	follow	VERB
inlawrev-4071	139	7	issue	issue	NOUN
inlawrev-4071	139	8	brieffi	brieffi	PROPN
inlawrev-4071	139	9	-	-	PUNCT
inlawrev-4071	139	10	om	om	NOUN
inlawrev-4071	139	11	the	the	DET
inlawrev-4071	139	12	center	center	NOUN
inlawrev-4071	139	13	for	for	ADP
inlawrev-4071	139	14	responsible	responsible	ADJ
inlawrev-4071	139	15	lending	lending	NOUN
inlawrev-4071	139	16	(	(	PUNCT
inlawrev-4071	139	17	crl	crl	PROPN
inlawrev-4071	139	18	)	)	PUNCT
inlawrev-4071	139	19	in	in	ADP
inlawrev-4071	139	20	which	which	PRON
inlawrev-4071	139	21	the	the	DET
inlawrev-4071	139	22	crl	crl	PROPN
inlawrev-4071	139	23	states	state	VERB
inlawrev-4071	139	24	that	that	SCONJ
inlawrev-4071	139	25	:	:	PUNCT
inlawrev-4071	139	26	in	in	ADP
inlawrev-4071	139	27	an	an	DET
inlawrev-4071	139	28	attempt	attempt	NOUN
inlawrev-4071	139	29	to	to	PART
inlawrev-4071	139	30	divert	divert	VERB
inlawrev-4071	139	31	attention	attention	NOUN
inlawrev-4071	139	32	away	away	ADV
inlawrev-4071	139	33	fi*om	fi*om	NOUN
inlawrev-4071	139	34	the	the	DET
inlawrev-4071	139	35	destructive	destructive	ADJ
inlawrev-4071	139	36	lending	lending	NOUN
inlawrev-4071	139	37	practices	practice	NOUN
inlawrev-4071	139	38	that	that	PRON
inlawrev-4071	139	39	fueled	fuel	VERB
inlawrev-4071	139	40	the	the	DET
inlawrev-4071	139	41	credit	credit	NOUN
inlawrev-4071	139	42	crisis	crisis	NOUN
inlawrev-4071	139	43	,	,	PUNCT
inlawrev-4071	139	44	some	some	PRON
inlawrev-4071	139	45	are	be	AUX
inlawrev-4071	139	46	trying	try	VERB
inlawrev-4071	139	47	to	to	PART
inlawrev-4071	139	48	place	place	VERB
inlawrev-4071	139	49	the	the	DET
inlawrev-4071	139	50	blame	blame	NOUN
inlawrev-4071	139	51	for	for	ADP
inlawrev-4071	139	52	it	it	PRON
inlawrev-4071	139	53	on	on	ADP
inlawrev-4071	139	54	the	the	DET
inlawrev-4071	139	55	community	community	NOUN
inlawrev-4071	139	56	reinvestment	reinvestment	NOUN
inlawrev-4071	139	57	act	act	NOUN
inlawrev-4071	139	58	(	(	PUNCT
inlawrev-4071	139	59	cra	cra	PROPN
inlawrev-4071	139	60	)	)	PUNCT
inlawrev-4071	139	61	.	.	PUNCT
inlawrev-4071	140	1	they	they	PRON
inlawrev-4071	140	2	argue	argue	VERB
inlawrev-4071	140	3	that	that	SCONJ
inlawrev-4071	140	4	cra	cra	PROPN
inlawrev-4071	140	5	forced	force	VERB
inlawrev-4071	140	6	lenders	lender	NOUN
inlawrev-4071	140	7	to	to	PART
inlawrev-4071	140	8	make	make	VERB
inlawrev-4071	140	9	risky	risky	ADJ
inlawrev-4071	140	10	loans	loan	NOUN
inlawrev-4071	140	11	to	to	ADP
inlawrev-4071	140	12	low	low	ADJ
inlawrev-4071	140	13	and	and	CCONJ
inlawrev-4071	140	14	moderate	moderate	ADJ
inlawrev-4071	140	15	families	family	NOUN
inlawrev-4071	140	16	and	and	CCONJ
inlawrev-4071	140	17	to	to	ADP
inlawrev-4071	140	18	communities	community	NOUN
inlawrev-4071	140	19	of	of	ADP
inlawrev-4071	140	20	color	color	NOUN
inlawrev-4071	140	21	.	.	PUNCT
inlawrev-4071	141	1	center	center	NOUN
inlawrev-4071	141	2	for	for	ADP
inlawrev-4071	141	3	responsible	responsible	ADJ
inlawrev-4071	141	4	lending	lending	NOUN
inlawrev-4071	141	5	,	,	PUNCT
inlawrev-4071	141	6	cra	cra	PROPN
inlawrev-4071	141	7	is	be	AUX
inlawrev-4071	141	8	not	not	PART
inlawrev-4071	141	9	to	to	PART
inlawrev-4071	141	10	blame	blame	VERB
inlawrev-4071	141	11	for	for	ADP
inlawrev-4071	141	12	mortgage	mortgage	NOUN
inlawrev-4071	141	13	meltdown	meltdown	NOUN
inlawrev-4071	141	14	,	,	PUNCT
inlawrev-4071	142	1	http://www	http://www	PROPN
inlawrev-4071	142	2	.	.	PUNCT
inlawrev-4071	142	3	responsiblelending.org/mortgage-lending/policy-legislation/congress/cra-not-to-blame-for-crisis.pdf	responsiblelending.org/mortgage-lending/policy-legislation/congress/cra-not-to-blame-for-crisis.pdf	PROPN
inlawrev-4071	142	4	(	(	PUNCT
inlawrev-4071	142	5	last	last	ADV
inlawrev-4071	142	6	visited	visit	VERB
inlawrev-4071	142	7	oct	oct	PROPN
inlawrev-4071	142	8	.	.	PROPN
inlawrev-4071	142	9	3	3	NUM
inlawrev-4071	142	10	,	,	PUNCT
inlawrev-4071	142	11	2008	2008	NUM
inlawrev-4071	142	12	)	)	PUNCT
inlawrev-4071	142	13	.	.	PUNCT
inlawrev-4071	143	1	2010	2010	NUM
inlawrev-4071	143	2	]	]	PUNCT
inlawrev-4071	143	3	women	woman	NOUN
inlawrev-4071	143	4	and	and	CCONJ
inlawrev-4071	143	5	subprime	subprime	NOUN
inlawrev-4071	143	6	lending	lending	NOUN
inlawrev-4071	143	7	1223	1223	NUM
inlawrev-4071	143	8	alleged	allege	VERB
inlawrev-4071	143	9	discriminatory	discriminatory	ADJ
inlawrev-4071	143	10	practices	practice	NOUN
inlawrev-4071	143	11	with	with	ADP
inlawrev-4071	143	12	calls	call	NOUN
inlawrev-4071	143	13	for	for	ADP
inlawrev-4071	143	14	:	:	PUNCT
inlawrev-4071	143	15	(	(	PUNCT
inlawrev-4071	143	16	1	1	X
inlawrev-4071	143	17	)	)	PUNCT
inlawrev-4071	143	18	strengthening	strengthen	VERB
inlawrev-4071	143	19	the	the	DET
inlawrev-4071	143	20	hmda	hmda	ADJ
inlawrev-4071	143	21	reporting	reporting	NOUN
inlawrev-4071	143	22	requirements	requirement	NOUN
inlawrev-4071	143	23	for	for	ADP
inlawrev-4071	143	24	covered	covered	ADJ
inlawrev-4071	143	25	institutions	institution	NOUN
inlawrev-4071	143	26	to	to	PART
inlawrev-4071	143	27	include	include	VERB
inlawrev-4071	143	28	all	all	PRON
inlawrev-4071	143	29	of	of	ADP
inlawrev-4071	143	30	the	the	DET
inlawrev-4071	143	31	variables	variable	NOUN
inlawrev-4071	143	32	that	that	SCONJ
inlawrev-4071	143	33	financial	financial	ADJ
inlawrev-4071	143	34	institutions	institution	NOUN
inlawrev-4071	143	35	consider	consider	VERB
inlawrev-4071	143	36	when	when	SCONJ
inlawrev-4071	143	37	determining	determine	VERB
inlawrev-4071	143	38	creditworthiness	creditworthiness	NOUN
inlawrev-4071	143	39	and	and	CCONJ
inlawrev-4071	143	40	when	when	SCONJ
inlawrev-4071	143	41	pricing	pricing	NOUN
inlawrev-4071	143	42	loans	loan	NOUN
inlawrev-4071	143	43	,	,	PUNCT
inlawrev-4071	143	44	(	(	PUNCT
inlawrev-4071	143	45	2	2	X
inlawrev-4071	143	46	)	)	PUNCT
inlawrev-4071	143	47	greater	great	ADJ
inlawrev-4071	143	48	accountability	accountability	NOUN
inlawrev-4071	143	49	through	through	ADP
inlawrev-4071	143	50	the	the	DET
inlawrev-4071	143	51	establishment	establishment	NOUN
inlawrev-4071	143	52	of	of	ADP
inlawrev-4071	143	53	a	a	DET
inlawrev-4071	143	54	set	set	NOUN
inlawrev-4071	143	55	of	of	ADP
inlawrev-4071	143	56	national	national	ADJ
inlawrev-4071	143	57	mortgage	mortgage	NOUN
inlawrev-4071	143	58	lending	lending	NOUN
inlawrev-4071	143	59	standards	standard	NOUN
inlawrev-4071	143	60	(	(	PUNCT
inlawrev-4071	143	61	a	a	DET
inlawrev-4071	143	62	move	move	NOUN
inlawrev-4071	143	63	away	away	ADV
inlawrev-4071	143	64	from	from	ADP
inlawrev-4071	143	65	deregulation	deregulation	NOUN
inlawrev-4071	143	66	of	of	ADP
inlawrev-4071	143	67	mortgage	mortgage	NOUN
inlawrev-4071	143	68	markets	market	NOUN
inlawrev-4071	143	69	)	)	PUNCT
inlawrev-4071	143	70	,	,	PUNCT
inlawrev-4071	143	71	(	(	PUNCT
inlawrev-4071	143	72	3	3	X
inlawrev-4071	143	73	)	)	PUNCT
inlawrev-4071	143	74	consolidating	consolidate	VERB
inlawrev-4071	143	75	our	our	PRON
inlawrev-4071	143	76	fragmented	fragmented	ADJ
inlawrev-4071	143	77	banking	banking	NOUN
inlawrev-4071	143	78	regulatory	regulatory	ADJ
inlawrev-4071	143	79	structure	structure	NOUN
inlawrev-4071	143	80	,	,	PUNCT
inlawrev-4071	143	81	(	(	PUNCT
inlawrev-4071	143	82	4	4	X
inlawrev-4071	143	83	)	)	PUNCT
inlawrev-4071	143	84	fixing	fix	VERB
inlawrev-4071	143	85	the	the	DET
inlawrev-4071	143	86	mortgage	mortgage	NOUN
inlawrev-4071	143	87	securitization	securitization	NOUN
inlawrev-4071	143	88	process	process	NOUN
inlawrev-4071	143	89	to	to	PART
inlawrev-4071	143	90	promote	promote	VERB
inlawrev-4071	143	91	greater	great	ADJ
inlawrev-4071	143	92	disclosures	disclosure	NOUN
inlawrev-4071	143	93	(	(	PUNCT
inlawrev-4071	143	94	a	a	DET
inlawrev-4071	143	95	quality	quality	NOUN
inlawrev-4071	143	96	of	of	ADP
inlawrev-4071	143	97	investment	investment	NOUN
inlawrev-4071	143	98	problem	problem	NOUN
inlawrev-4071	143	99	)	)	PUNCT
inlawrev-4071	143	100	and	and	CCONJ
inlawrev-4071	143	101	to	to	PART
inlawrev-4071	143	102	ensure	ensure	VERB
inlawrev-4071	143	103	closer	close	ADJ
inlawrev-4071	143	104	alignment	alignment	NOUN
inlawrev-4071	143	105	of	of	ADP
inlawrev-4071	143	106	the	the	DET
inlawrev-4071	143	107	incentives	incentive	NOUN
inlawrev-4071	143	108	of	of	ADP
inlawrev-4071	143	109	investors	investor	NOUN
inlawrev-4071	143	110	and	and	CCONJ
inlawrev-4071	143	111	originators	originator	NOUN
inlawrev-4071	143	112	,	,	PUNCT
inlawrev-4071	143	113	(	(	PUNCT
inlawrev-4071	143	114	5	5	X
inlawrev-4071	143	115	)	)	PUNCT
inlawrev-4071	143	116	imposing	impose	VERB
inlawrev-4071	143	117	stricter	strict	ADJ
inlawrev-4071	143	118	enforcement	enforcement	NOUN
inlawrev-4071	143	119	of	of	ADP
inlawrev-4071	143	120	existing	exist	VERB
inlawrev-4071	143	121	consumer	consumer	NOUN
inlawrev-4071	143	122	protection	protection	NOUN
inlawrev-4071	143	123	laws	law	NOUN
inlawrev-4071	143	124	,	,	PUNCT
inlawrev-4071	143	125	and	and	CCONJ
inlawrev-4071	143	126	(	(	PUNCT
inlawrev-4071	143	127	6	6	X
inlawrev-4071	143	128	)	)	PUNCT
inlawrev-4071	143	129	backing	back	VERB
inlawrev-4071	143	130	away	away	ADV
inlawrev-4071	143	131	from	from	ADP
inlawrev-4071	143	132	federal	federal	ADJ
inlawrev-4071	143	133	preemption	preemption	NOUN
inlawrev-4071	143	134	of	of	ADP
inlawrev-4071	143	135	state	state	NOUN
inlawrev-4071	143	136	consumer	consumer	NOUN
inlawrev-4071	143	137	protection	protection	NOUN
inlawrev-4071	143	138	laws.^^	laws.^^	PUNCT
inlawrev-4071	144	1	the	the	DET
inlawrev-4071	144	2	mortgage	mortgage	NOUN
inlawrev-4071	144	3	-	-	PUNCT
inlawrev-4071	144	4	related	relate	VERB
inlawrev-4071	144	5	financial	financial	ADJ
inlawrev-4071	144	6	crisis	crisis	NOUN
inlawrev-4071	144	7	emphasized	emphasize	VERB
inlawrev-4071	144	8	the	the	DET
inlawrev-4071	144	9	deficiencies	deficiency	NOUN
inlawrev-4071	144	10	in	in	ADP
inlawrev-4071	144	11	the	the	DET
inlawrev-4071	144	12	internal	internal	ADJ
inlawrev-4071	144	13	controls	control	NOUN
inlawrev-4071	144	14	and	and	CCONJ
inlawrev-4071	144	15	compliance	compliance	NOUN
inlawrev-4071	144	16	programs	program	NOUN
inlawrev-4071	144	17	of	of	ADP
inlawrev-4071	144	18	the	the	DET
inlawrev-4071	144	19	participants	participant	NOUN
inlawrev-4071	144	20	in	in	ADP
inlawrev-4071	144	21	the	the	DET
inlawrev-4071	144	22	nation	nation	NOUN
inlawrev-4071	144	23	's	's	PART
inlawrev-4071	144	24	mortgage	mortgage	NOUN
inlawrev-4071	144	25	lending	lending	NOUN
inlawrev-4071	144	26	industry	industry	NOUN
inlawrev-4071	144	27	.	.	PUNCT
inlawrev-4071	145	1	existing	exist	VERB
inlawrev-4071	145	2	compliance	compliance	NOUN
inlawrev-4071	145	3	programs	program	NOUN
inlawrev-4071	145	4	failed	fail	VERB
inlawrev-4071	145	5	the	the	DET
inlawrev-4071	145	6	test	test	NOUN
inlawrev-4071	145	7	during	during	ADP
inlawrev-4071	145	8	this	this	DET
inlawrev-4071	145	9	most	most	ADV
inlawrev-4071	145	10	recent	recent	ADJ
inlawrev-4071	145	11	financial	financial	ADJ
inlawrev-4071	145	12	crisis	crisis	NOUN
inlawrev-4071	145	13	.	.	PUNCT
inlawrev-4071	146	1	the	the	DET
inlawrev-4071	146	2	mortgage	mortgage	NOUN
inlawrev-4071	146	3	lending	lending	NOUN
inlawrev-4071	146	4	industry	industry	NOUN
inlawrev-4071	146	5	should	should	AUX
inlawrev-4071	146	6	reevaluate	reevaluate	VERB
inlawrev-4071	146	7	its	its	PRON
inlawrev-4071	146	8	internal	internal	ADJ
inlawrev-4071	146	9	controls	control	NOUN
inlawrev-4071	146	10	and	and	CCONJ
inlawrev-4071	146	11	compliance	compliance	NOUN
inlawrev-4071	146	12	programs	program	NOUN
inlawrev-4071	146	13	toward	toward	ADP
inlawrev-4071	146	14	the	the	DET
inlawrev-4071	146	15	goals	goal	NOUN
inlawrev-4071	146	16	of	of	ADP
inlawrev-4071	146	17	reinforcing	reinforce	VERB
inlawrev-4071	146	18	an	an	DET
inlawrev-4071	146	19	ethical	ethical	ADJ
inlawrev-4071	146	20	culture	culture	NOUN
inlawrev-4071	146	21	and	and	CCONJ
inlawrev-4071	146	22	maintaining	maintain	VERB
inlawrev-4071	146	23	proper	proper	ADJ
inlawrev-4071	146	24	alignment	alignment	NOUN
inlawrev-4071	146	25	between	between	ADP
inlawrev-4071	146	26	corporate	corporate	ADJ
inlawrev-4071	146	27	profit	profit	NOUN
inlawrev-4071	146	28	and	and	CCONJ
inlawrev-4071	146	29	ethical	ethical	ADJ
inlawrev-4071	146	30	lending	lending	NOUN
inlawrev-4071	146	31	and	and	CCONJ
inlawrev-4071	146	32	corporate	corporate	ADJ
inlawrev-4071	146	33	practices	practice	NOUN
inlawrev-4071	146	34	.	.	PUNCT
inlawrev-4071	147	1	this	this	DET
inlawrev-4071	147	2	essay	essay	NOUN
inlawrev-4071	147	3	offers	offer	VERB
inlawrev-4071	147	4	three	three	NUM
inlawrev-4071	147	5	recommendations	recommendation	NOUN
inlawrev-4071	147	6	for	for	ADP
inlawrev-4071	147	7	considering	consider	VERB
inlawrev-4071	147	8	how	how	SCONJ
inlawrev-4071	147	9	to	to	PART
inlawrev-4071	147	10	address	address	VERB
inlawrev-4071	147	11	the	the	DET
inlawrev-4071	147	12	systemic	systemic	ADJ
inlawrev-4071	147	13	failure	failure	NOUN
inlawrev-4071	147	14	of	of	ADP
inlawrev-4071	147	15	internal	internal	ADJ
inlawrev-4071	147	16	controls	control	NOUN
inlawrev-4071	147	17	that	that	PRON
inlawrev-4071	147	18	contributed	contribute	VERB
inlawrev-4071	147	19	to	to	ADP
inlawrev-4071	147	20	the	the	DET
inlawrev-4071	147	21	financial	financial	ADJ
inlawrev-4071	147	22	crisis	crisis	NOUN
inlawrev-4071	147	23	.	.	PUNCT
inlawrev-4071	148	1	first	first	ADV
inlawrev-4071	148	2	,	,	PUNCT
inlawrev-4071	148	3	the	the	DET
inlawrev-4071	148	4	mortgage	mortgage	NOUN
inlawrev-4071	148	5	lending	lending	NOUN
inlawrev-4071	148	6	industry	industry	NOUN
inlawrev-4071	148	7	should	should	AUX
inlawrev-4071	148	8	coalesce	coalesce	VERB
inlawrev-4071	148	9	to	to	PART
inlawrev-4071	148	10	produce	produce	VERB
inlawrev-4071	148	11	a	a	DET
inlawrev-4071	148	12	common	common	ADJ
inlawrev-4071	148	13	set	set	NOUN
inlawrev-4071	148	14	of	of	ADP
inlawrev-4071	148	15	internal	internal	ADJ
inlawrev-4071	148	16	controls	control	NOUN
inlawrev-4071	148	17	that	that	PRON
inlawrev-4071	148	18	are	be	AUX
inlawrev-4071	148	19	designed	design	VERB
inlawrev-4071	148	20	to	to	PART
inlawrev-4071	148	21	prevent	prevent	VERB
inlawrev-4071	148	22	two	two	NUM
inlawrev-4071	148	23	major	major	ADJ
inlawrev-4071	148	24	problems	problem	NOUN
inlawrev-4071	148	25	:	:	PUNCT
inlawrev-4071	148	26	(	(	PUNCT
inlawrev-4071	148	27	1	1	X
inlawrev-4071	148	28	)	)	PUNCT
inlawrev-4071	148	29	steering	steer	VERB
inlawrev-4071	148	30	borrowers	borrower	NOUN
inlawrev-4071	148	31	who	who	PRON
inlawrev-4071	148	32	qualify	qualify	VERB
inlawrev-4071	148	33	for	for	ADP
inlawrev-4071	148	34	prime	prime	ADJ
inlawrev-4071	148	35	loans	loan	NOUN
inlawrev-4071	148	36	into	into	ADP
inlawrev-4071	148	37	subprime	subprime	ADJ
inlawrev-4071	148	38	loans	loan	NOUN
inlawrev-4071	148	39	and	and	CCONJ
inlawrev-4071	148	40	(	(	PUNCT
inlawrev-4071	148	41	2	2	X
inlawrev-4071	148	42	)	)	PUNCT
inlawrev-4071	148	43	placing	place	VERB
inlawrev-4071	148	44	borrowers	borrower	NOUN
inlawrev-4071	148	45	who	who	PRON
inlawrev-4071	148	46	do	do	AUX
inlawrev-4071	148	47	not	not	PART
inlawrev-4071	148	48	qualify	qualify	VERB
inlawrev-4071	148	49	for	for	ADP
inlawrev-4071	148	50	either	either	CCONJ
inlawrev-4071	148	51	a	a	DET
inlawrev-4071	148	52	prime	prime	ADJ
inlawrev-4071	148	53	or	or	CCONJ
inlawrev-4071	148	54	subprime	subprime	ADJ
inlawrev-4071	148	55	loan	loan	NOUN
inlawrev-4071	148	56	into	into	ADP
inlawrev-4071	148	57	a	a	DET
inlawrev-4071	148	58	subprime	subprime	ADJ
inlawrev-4071	148	59	loan	loan	NOUN
inlawrev-4071	148	60	.	.	PUNCT
inlawrev-4071	149	1	the	the	DET
inlawrev-4071	149	2	former	former	ADJ
inlawrev-4071	149	3	practice	practice	NOUN
inlawrev-4071	149	4	increases	increase	VERB
inlawrev-4071	149	5	the	the	DET
inlawrev-4071	149	6	cost	cost	NOUN
inlawrev-4071	149	7	of	of	ADP
inlawrev-4071	149	8	credit	credit	NOUN
inlawrev-4071	149	9	and	and	CCONJ
inlawrev-4071	149	10	therefore	therefore	ADV
inlawrev-4071	149	11	the	the	DET
inlawrev-4071	149	12	likelihood	likelihood	NOUN
inlawrev-4071	149	13	ofdefault	ofdefault	NOUN
inlawrev-4071	149	14	for	for	ADP
inlawrev-4071	149	15	these	these	DET
inlawrev-4071	149	16	borrowers	borrower	NOUN
inlawrev-4071	149	17	who	who	PRON
inlawrev-4071	149	18	might	might	AUX
inlawrev-4071	149	19	not	not	PART
inlawrev-4071	149	20	otherwise	otherwise	ADV
inlawrev-4071	149	21	have	have	AUX
inlawrev-4071	149	22	defaulted	default	VERB
inlawrev-4071	149	23	.	.	PUNCT
inlawrev-4071	150	1	the	the	DET
inlawrev-4071	150	2	latter	latter	ADJ
inlawrev-4071	150	3	practice	practice	NOUN
inlawrev-4071	150	4	,	,	PUNCT
inlawrev-4071	150	5	which	which	PRON
inlawrev-4071	150	6	is	be	AUX
inlawrev-4071	150	7	based	base	VERB
inlawrev-4071	150	8	on	on	ADP
inlawrev-4071	150	9	so	so	ADV
inlawrev-4071	150	10	-	-	PUNCT
inlawrev-4071	150	11	called	call	VERB
inlawrev-4071	150	12	"	"	PUNCT
inlawrev-4071	150	13	stated	state	VERB
inlawrev-4071	150	14	-	-	PUNCT
inlawrev-4071	150	15	income	income	NOUN
inlawrev-4071	150	16	mortgages	mortgage	NOUN
inlawrev-4071	150	17	,	,	PUNCT
inlawrev-4071	150	18	"	"	PUNCT
inlawrev-4071	150	19	reflects	reflect	VERB
inlawrev-4071	150	20	the	the	DET
inlawrev-4071	150	21	erosion	erosion	NOUN
inlawrev-4071	150	22	ofa	ofa	PROPN
inlawrev-4071	150	23	financial	financial	ADJ
inlawrev-4071	150	24	institution	institution	NOUN
inlawrev-4071	150	25	's	's	PART
inlawrev-4071	150	26	underwriting	underwriting	NOUN
inlawrev-4071	150	27	standards	standard	NOUN
inlawrev-4071	150	28	.	.	PUNCT
inlawrev-4071	151	1	under	under	ADP
inlawrev-4071	151	2	this	this	DET
inlawrev-4071	151	3	practice	practice	NOUN
inlawrev-4071	151	4	,	,	PUNCT
inlawrev-4071	151	5	lenders	lender	NOUN
inlawrev-4071	151	6	accept	accept	VERB
inlawrev-4071	151	7	the	the	DET
inlawrev-4071	151	8	borrower	borrower	NOUN
inlawrev-4071	151	9	's	's	PART
inlawrev-4071	151	10	statement	statement	NOUN
inlawrev-4071	151	11	of	of	ADP
inlawrev-4071	151	12	income	income	NOUN
inlawrev-4071	151	13	and	and	CCONJ
inlawrev-4071	151	14	fund	fund	VERB
inlawrev-4071	151	15	the	the	DET
inlawrev-4071	151	16	loan	loan	NOUN
inlawrev-4071	151	17	,	,	PUNCT
inlawrev-4071	151	18	provided	provide	VERB
inlawrev-4071	151	19	the	the	DET
inlawrev-4071	151	20	borrower	borrower	NOUN
inlawrev-4071	151	21	's	's	PART
inlawrev-4071	151	22	fico	fico	NOUN
inlawrev-4071	151	23	score	score	NOUN
inlawrev-4071	151	24	and	and	CCONJ
inlawrev-4071	151	25	whatever	whatever	DET
inlawrev-4071	151	26	appraisals	appraisal	NOUN
inlawrev-4071	151	27	the	the	DET
inlawrev-4071	151	28	lender	lender	NOUN
inlawrev-4071	151	29	ordered	order	VERB
inlawrev-4071	151	30	are	be	AUX
inlawrev-4071	151	31	verified	verify	VERB
inlawrev-4071	151	32	.	.	PUNCT
inlawrev-4071	152	1	these	these	DET
inlawrev-4071	152	2	loans	loan	NOUN
inlawrev-4071	152	3	developed	develop	VERB
inlawrev-4071	152	4	the	the	DET
inlawrev-4071	152	5	name	name	NOUN
inlawrev-4071	152	6	"	"	PUNCT
inlawrev-4071	152	7	liar	liar	NOUN
inlawrev-4071	152	8	loans	loan	NOUN
inlawrev-4071	152	9	"	"	PUNCT
inlawrev-4071	152	10	because	because	SCONJ
inlawrev-4071	152	11	borrowers	borrower	NOUN
inlawrev-4071	152	12	could	could	AUX
inlawrev-4071	152	13	claim	claim	VERB
inlawrev-4071	152	14	whatever	whatever	DET
inlawrev-4071	152	15	income	income	NOUN
inlawrev-4071	152	16	they	they	PRON
inlawrev-4071	152	17	liked	like	VERB
inlawrev-4071	152	18	and	and	CCONJ
inlawrev-4071	152	19	the	the	DET
inlawrev-4071	152	20	loan	loan	NOUN
inlawrev-4071	152	21	would	would	AUX
inlawrev-4071	152	22	fund	fund	VERB
inlawrev-4071	152	23	,	,	PUNCT
inlawrev-4071	152	24	again	again	ADV
inlawrev-4071	152	25	,	,	PUNCT
inlawrev-4071	152	26	as	as	ADV
inlawrev-4071	152	27	long	long	ADV
inlawrev-4071	152	28	as	as	SCONJ
inlawrev-4071	152	29	the	the	DET
inlawrev-4071	152	30	fico	fico	NOUN
inlawrev-4071	152	31	and	and	CCONJ
inlawrev-4071	152	32	appraisals	appraisal	NOUN
inlawrev-4071	152	33	checked	check	VERB
inlawrev-4071	152	34	out.^^	out.^^	PUNCT
inlawrev-4071	152	35	to	to	PART
inlawrev-4071	152	36	get	get	VERB
inlawrev-4071	152	37	the	the	DET
inlawrev-4071	152	38	quantity	quantity	NOUN
inlawrev-4071	152	39	of	of	ADP
inlawrev-4071	152	40	mortgages	mortgage	NOUN
inlawrev-4071	152	41	desired	desire	VERB
inlawrev-4071	152	42	,	,	PUNCT
inlawrev-4071	152	43	many	many	ADJ
inlawrev-4071	152	44	financial	financial	ADJ
inlawrev-4071	152	45	institutions	institution	NOUN
inlawrev-4071	152	46	sacrificed	sacrifice	VERB
inlawrev-4071	152	47	quality	quality	NOUN
inlawrev-4071	152	48	and	and	CCONJ
inlawrev-4071	152	49	relaxed	relax	VERB
inlawrev-4071	152	50	their	their	PRON
inlawrev-4071	152	51	underwriting	underwriting	NOUN
inlawrev-4071	152	52	and	and	CCONJ
inlawrev-4071	152	53	compliance	compliance	NOUN
inlawrev-4071	152	54	standards	standard	NOUN
inlawrev-4071	152	55	;	;	PUNCT
inlawrev-4071	152	56	they	they	PRON
inlawrev-4071	152	57	engaged	engage	VERB
inlawrev-4071	152	58	in	in	ADP
inlawrev-4071	152	59	behavior	behavior	NOUN
inlawrev-4071	152	60	that	that	PRON
inlawrev-4071	152	61	was	be	AUX
inlawrev-4071	152	62	,	,	PUNCT
inlawrev-4071	152	63	at	at	ADP
inlawrev-4071	152	64	the	the	DET
inlawrev-4071	152	65	very	very	ADV
inlawrev-4071	152	66	least	least	ADJ
inlawrev-4071	152	67	,	,	PUNCT
inlawrev-4071	152	68	unethical	unethical	ADJ
inlawrev-4071	152	69	,	,	PUNCT
inlawrev-4071	152	70	and	and	CCONJ
inlawrev-4071	152	71	the	the	DET
inlawrev-4071	152	72	national	national	ADJ
inlawrev-4071	152	73	economy	economy	NOUN
inlawrev-4071	152	74	suffered.^^	suffered.^^	NOUN
inlawrev-4071	152	75	35	35	NUM
inlawrev-4071	152	76	.	.	PUNCT
inlawrev-4071	153	1	press	press	NOUN
inlawrev-4071	153	2	release	release	NOUN
inlawrev-4071	153	3	,	,	PUNCT
inlawrev-4071	153	4	new	new	PROPN
inlawrev-4071	153	5	york	york	PROPN
inlawrev-4071	153	6	officials	official	NOUN
inlawrev-4071	153	7	,	,	PUNCT
inlawrev-4071	153	8	naacp	naacp	PROPN
inlawrev-4071	153	9	call	call	NOUN
inlawrev-4071	153	10	on	on	ADP
inlawrev-4071	153	11	the	the	DET
inlawrev-4071	153	12	occ	occ	NOUN
inlawrev-4071	153	13	to	to	PART
inlawrev-4071	153	14	reverse	reverse	VERB
inlawrev-4071	153	15	its	its	PRON
inlawrev-4071	153	16	position	position	NOUN
inlawrev-4071	153	17	on	on	ADP
inlawrev-4071	153	18	federal	federal	ADJ
inlawrev-4071	153	19	preemption	preemption	NOUN
inlawrev-4071	153	20	of	of	ADP
inlawrev-4071	153	21	state	state	NOUN
inlawrev-4071	153	22	predatory	predatory	NOUN
inlawrev-4071	153	23	lending	lending	NOUN
inlawrev-4071	153	24	laws	law	NOUN
inlawrev-4071	153	25	(	(	PUNCT
inlawrev-4071	153	26	dec	dec	PROPN
inlawrev-4071	153	27	.	.	PROPN
inlawrev-4071	153	28	10	10	NUM
inlawrev-4071	153	29	,	,	PUNCT
inlawrev-4071	153	30	2003	2003	NUM
inlawrev-4071	153	31	)	)	PUNCT
inlawrev-4071	153	32	,	,	PUNCT
inlawrev-4071	153	33	available	available	ADJ
inlawrev-4071	153	34	at	at	ADP
inlawrev-4071	153	35	http://www.oag.state.ny.us/media_center/2003/dec/decl0a_03.html	http://www.oag.state.ny.us/media_center/2003/dec/decl0a_03.html	PROPN
inlawrev-4071	153	36	(	(	PUNCT
inlawrev-4071	153	37	stating	state	VERB
inlawrev-4071	153	38	"	"	PUNCT
inlawrev-4071	153	39	the	the	DET
inlawrev-4071	153	40	occ	occ	NOUN
inlawrev-4071	153	41	issued	issue	VERB
inlawrev-4071	153	42	an	an	DET
inlawrev-4071	153	43	advisory	advisory	ADJ
inlawrev-4071	153	44	letter	letter	NOUN
inlawrev-4071	153	45	to	to	ADP
inlawrev-4071	153	46	national	national	ADJ
inlawrev-4071	153	47	banks	bank	NOUN
inlawrev-4071	153	48	advising	advise	VERB
inlawrev-4071	153	49	them	they	PRON
inlawrev-4071	153	50	that	that	SCONJ
inlawrev-4071	153	51	they	they	PRON
inlawrev-4071	153	52	are	be	AUX
inlawrev-4071	153	53	not	not	PART
inlawrev-4071	153	54	subject	subject	ADJ
inlawrev-4071	153	55	to	to	ADP
inlawrev-4071	153	56	state	state	NOUN
inlawrev-4071	153	57	enforcement	enforcement	NOUN
inlawrev-4071	153	58	"	"	PUNCT
inlawrev-4071	153	59	)	)	PUNCT
inlawrev-4071	153	60	;	;	PUNCT
inlawrev-4071	153	61	scott	scott	PROPN
inlawrev-4071	153	62	,	,	PUNCT
inlawrev-4071	153	63	supra	supra	PROPN
inlawrev-4071	153	64	note	note	NOUN
inlawrev-4071	153	65	4	4	NUM
inlawrev-4071	153	66	,	,	PUNCT
inlawrev-4071	153	67	at	at	ADP
inlawrev-4071	153	68	165	165	NUM
inlawrev-4071	153	69	.	.	NOUN
inlawrev-4071	153	70	3	3	NUM
inlawrev-4071	153	71	6	6	NUM
inlawrev-4071	153	72	.	.	PUNCT
inlawrev-4071	154	1	paul	paul	PROPN
inlawrev-4071	154	2	muolo	muolo	PROPN
inlawrev-4071	154	3	&	&	CCONJ
inlawrev-4071	154	4	mathew	mathew	PROPN
inlawrev-4071	154	5	padilla	padilla	PROPN
inlawrev-4071	154	6	,	,	PUNCT
inlawrev-4071	154	7	chain	chain	NOUN
inlawrev-4071	154	8	of	of	ADP
inlawrev-4071	154	9	blame	blame	NOUN
inlawrev-4071	154	10	:	:	PUNCT
inlawrev-4071	154	11	how	how	SCONJ
inlawrev-4071	154	12	wall	wall	PROPN
inlawrev-4071	154	13	street	street	PROPN
inlawrev-4071	154	14	caused	cause	VERB
inlawrev-4071	154	15	the	the	DET
inlawrev-4071	154	16	mortgage	mortgage	NOUN
inlawrev-4071	154	17	and	and	CCONJ
inlawrev-4071	154	18	credit	credit	NOUN
inlawrev-4071	154	19	crisis	crisis	NOUN
inlawrev-4071	154	20	7	7	NUM
inlawrev-4071	154	21	,	,	PUNCT
inlawrev-4071	154	22	86	86	NUM
inlawrev-4071	154	23	-	-	SYM
inlawrev-4071	154	24	87	87	NUM
inlawrev-4071	154	25	(	(	PUNCT
inlawrev-4071	154	26	2008	2008	NUM
inlawrev-4071	154	27	)	)	PUNCT
inlawrev-4071	154	28	.	.	PUNCT
inlawrev-4071	155	1	37	37	NUM
inlawrev-4071	155	2	.	.	PUNCT
inlawrev-4071	156	1	i	i	PRON
inlawrev-4071	156	2	d.	d.	PROPN
inlawrev-4071	156	3	at	at	ADP
inlawrev-4071	156	4	124	124	NUM
inlawrev-4071	156	5	-	-	SYM
inlawrev-4071	156	6	25	25	NUM
inlawrev-4071	156	7	,	,	PUNCT
inlawrev-4071	156	8	197	197	NUM
inlawrev-4071	156	9	(	(	PUNCT
inlawrev-4071	156	10	discussing	discuss	VERB
inlawrev-4071	156	11	the	the	DET
inlawrev-4071	156	12	fbi	fbi	PROPN
inlawrev-4071	156	13	's	's	PART
inlawrev-4071	156	14	characterization	characterization	NOUN
inlawrev-4071	156	15	in	in	ADP
inlawrev-4071	156	16	2006	2006	NUM
inlawrev-4071	156	17	of	of	ADP
inlawrev-4071	156	18	the	the	DET
inlawrev-4071	156	19	loan	loan	NOUN
inlawrev-4071	156	20	fraud	fraud	NOUN
inlawrev-4071	156	21	pandemic	pandemic	ADJ
inlawrev-4071	156	22	in	in	ADP
inlawrev-4071	156	23	the	the	DET
inlawrev-4071	156	24	country	country	NOUN
inlawrev-4071	156	25	and	and	CCONJ
inlawrev-4071	156	26	"	"	PUNCT
inlawrev-4071	156	27	singling	single	VERB
inlawrev-4071	156	28	out	out	ADP
inlawrev-4071	156	29	stated	state	VERB
inlawrev-4071	156	30	-	-	PUNCT
inlawrev-4071	156	31	income	income	NOUN
inlawrev-4071	156	32	loans	loan	NOUN
inlawrev-4071	156	33	.	.	PUNCT
inlawrev-4071	156	34	.	.	PUNCT
inlawrev-4071	156	35	.	.	PUNCT
inlawrev-4071	157	1	being	be	AUX
inlawrev-4071	157	2	funded	fund	VERB
inlawrev-4071	157	3	through	through	ADP
inlawrev-4071	157	4	mortgage	mortgage	NOUN
inlawrev-4071	157	5	1224	1224	NUM
inlawrev-4071	157	6	indiana	indiana	PROPN
inlawrev-4071	157	7	law	law	PROPN
inlawrev-4071	157	8	review	review	NOUN
inlawrev-4071	157	9	[	[	X
inlawrev-4071	157	10	vol	vol	NOUN
inlawrev-4071	157	11	.	.	PUNCT
inlawrev-4071	158	1	43:1217	43:1217	NUM
inlawrev-4071	158	2	second	second	ADJ
inlawrev-4071	158	3	,	,	PUNCT
inlawrev-4071	158	4	boards	board	NOUN
inlawrev-4071	158	5	of	of	ADP
inlawrev-4071	158	6	directors	director	NOUN
inlawrev-4071	158	7	and	and	CCONJ
inlawrev-4071	158	8	senior	senior	ADJ
inlawrev-4071	158	9	management	management	NOUN
inlawrev-4071	158	10	of	of	ADP
inlawrev-4071	158	11	mortgage	mortgage	NOUN
inlawrev-4071	158	12	lending	lending	NOUN
inlawrev-4071	158	13	institutions	institution	NOUN
inlawrev-4071	158	14	should	should	AUX
inlawrev-4071	158	15	commit	commit	VERB
inlawrev-4071	158	16	to	to	ADP
inlawrev-4071	158	17	developing	develop	VERB
inlawrev-4071	158	18	a	a	DET
inlawrev-4071	158	19	more	more	ADV
inlawrev-4071	158	20	ethical	ethical	ADJ
inlawrev-4071	158	21	culture	culture	NOUN
inlawrev-4071	158	22	;	;	PUNCT
inlawrev-4071	158	23	ethics	ethic	NOUN
inlawrev-4071	158	24	always	always	ADV
inlawrev-4071	158	25	trumps	trump	VERB
inlawrev-4071	158	26	compliance	compliance	NOUN
inlawrev-4071	158	27	.	.	PUNCT
inlawrev-4071	159	1	monitoring	monitor	VERB
inlawrev-4071	159	2	compliance	compliance	NOUN
inlawrev-4071	159	3	programs	program	NOUN
inlawrev-4071	159	4	and	and	CCONJ
inlawrev-4071	159	5	mortgage	mortgage	NOUN
inlawrev-4071	159	6	lending	lending	NOUN
inlawrev-4071	159	7	decisions	decision	NOUN
inlawrev-4071	159	8	on	on	ADP
inlawrev-4071	159	9	an	an	DET
inlawrev-4071	159	10	ongoing	ongoing	ADJ
inlawrev-4071	159	11	,	,	PUNCT
inlawrev-4071	159	12	real	real	ADJ
inlawrev-4071	159	13	time	time	NOUN
inlawrev-4071	159	14	basis	basis	NOUN
inlawrev-4071	159	15	could	could	AUX
inlawrev-4071	159	16	be	be	AUX
inlawrev-4071	159	17	an	an	DET
inlawrev-4071	159	18	important	important	ADJ
inlawrev-4071	159	19	step	step	NOUN
inlawrev-4071	159	20	towards	towards	ADP
inlawrev-4071	159	21	developing	develop	VERB
inlawrev-4071	159	22	and	and	CCONJ
inlawrev-4071	159	23	maintaining	maintain	VERB
inlawrev-4071	159	24	a	a	DET
inlawrev-4071	159	25	more	more	ADV
inlawrev-4071	159	26	ethical	ethical	ADJ
inlawrev-4071	159	27	corporate	corporate	ADJ
inlawrev-4071	159	28	compliance	compliance	NOUN
inlawrev-4071	159	29	structure.^^	structure.^^	NOUN
inlawrev-4071	159	30	strengthening	strengthen	VERB
inlawrev-4071	159	31	mortgage	mortgage	NOUN
inlawrev-4071	159	32	lenders	lender	NOUN
inlawrev-4071	159	33	'	'	PART
inlawrev-4071	159	34	compliance	compliance	NOUN
inlawrev-4071	159	35	posture	posture	NOUN
inlawrev-4071	159	36	and	and	CCONJ
inlawrev-4071	159	37	providing	provide	VERB
inlawrev-4071	159	38	effective	effective	ADJ
inlawrev-4071	159	39	governance	governance	NOUN
inlawrev-4071	159	40	over	over	ADP
inlawrev-4071	159	41	mortgage	mortgage	NOUN
inlawrev-4071	159	42	lending	lending	NOUN
inlawrev-4071	159	43	decisions	decision	NOUN
inlawrev-4071	159	44	would	would	AUX
inlawrev-4071	159	45	require	require	VERB
inlawrev-4071	159	46	the	the	DET
inlawrev-4071	159	47	establishment	establishment	NOUN
inlawrev-4071	159	48	of	of	ADP
inlawrev-4071	159	49	an	an	DET
inlawrev-4071	159	50	integrated	integrate	VERB
inlawrev-4071	159	51	compliance	compliance	NOUN
inlawrev-4071	159	52	system	system	NOUN
inlawrev-4071	159	53	ofinternal	ofinternal	ADJ
inlawrev-4071	159	54	reporting	reporting	NOUN
inlawrev-4071	159	55	and	and	CCONJ
inlawrev-4071	159	56	external	external	ADJ
inlawrev-4071	159	57	auditing	auditing	NOUN
inlawrev-4071	159	58	.	.	PUNCT
inlawrev-4071	160	1	each	each	DET
inlawrev-4071	160	2	mortgage	mortgage	NOUN
inlawrev-4071	160	3	lending	lending	NOUN
inlawrev-4071	160	4	institution	institution	NOUN
inlawrev-4071	160	5	would	would	AUX
inlawrev-4071	160	6	articulate	articulate	VERB
inlawrev-4071	160	7	its	its	PRON
inlawrev-4071	160	8	non	non	ADJ
inlawrev-4071	160	9	-	-	ADJ
inlawrev-4071	160	10	discriminatory	discriminatory	ADJ
inlawrev-4071	160	11	mortgage	mortgage	NOUN
inlawrev-4071	160	12	lending	lending	NOUN
inlawrev-4071	160	13	standards	standard	NOUN
inlawrev-4071	160	14	as	as	ADP
inlawrev-4071	160	15	a	a	DET
inlawrev-4071	160	16	foundational	foundational	ADJ
inlawrev-4071	160	17	element	element	NOUN
inlawrev-4071	160	18	of	of	ADP
inlawrev-4071	160	19	its	its	PRON
inlawrev-4071	160	20	compliance	compliance	NOUN
inlawrev-4071	160	21	program	program	NOUN
inlawrev-4071	160	22	.	.	PUNCT
inlawrev-4071	161	1	the	the	DET
inlawrev-4071	161	2	mortgage	mortgage	NOUN
inlawrev-4071	161	3	lending	lending	NOUN
inlawrev-4071	161	4	standards	standard	NOUN
inlawrev-4071	161	5	would	would	AUX
inlawrev-4071	161	6	be	be	AUX
inlawrev-4071	161	7	self	self	NOUN
inlawrev-4071	161	8	-	-	PUNCT
inlawrev-4071	161	9	articulated	articulate	VERB
inlawrev-4071	161	10	and	and	CCONJ
inlawrev-4071	161	11	individualized	individualized	ADJ
inlawrev-4071	161	12	.	.	PUNCT
inlawrev-4071	162	1	using	use	VERB
inlawrev-4071	162	2	an	an	DET
inlawrev-4071	162	3	institution	institution	NOUN
inlawrev-4071	162	4	's	's	PART
inlawrev-4071	162	5	self	self	NOUN
inlawrev-4071	162	6	-	-	PUNCT
inlawrev-4071	162	7	articulated	articulate	VERB
inlawrev-4071	162	8	standards	standard	NOUN
inlawrev-4071	162	9	would	would	AUX
inlawrev-4071	162	10	allow	allow	VERB
inlawrev-4071	162	11	institutions	institution	NOUN
inlawrev-4071	162	12	to	to	PART
inlawrev-4071	162	13	incorporate	incorporate	VERB
inlawrev-4071	162	14	legitimate	legitimate	ADJ
inlawrev-4071	162	15	,	,	PUNCT
inlawrev-4071	162	16	subjective	subjective	ADJ
inlawrev-4071	162	17	criteria	criterion	NOUN
inlawrev-4071	162	18	into	into	ADP
inlawrev-4071	162	19	their	their	PRON
inlawrev-4071	162	20	compliance	compliance	NOUN
inlawrev-4071	162	21	programs	program	NOUN
inlawrev-4071	162	22	.	.	PUNCT
inlawrev-4071	163	1	but	but	CCONJ
inlawrev-4071	163	2	such	such	ADJ
inlawrev-4071	163	3	subjective	subjective	ADJ
inlawrev-4071	163	4	criteria	criterion	NOUN
inlawrev-4071	163	5	would	would	AUX
inlawrev-4071	163	6	be	be	AUX
inlawrev-4071	163	7	subject	subject	ADJ
inlawrev-4071	163	8	to	to	ADP
inlawrev-4071	163	9	routine	routine	ADJ
inlawrev-4071	163	10	,	,	PUNCT
inlawrev-4071	163	11	independent	independent	ADJ
inlawrev-4071	163	12	monitoring	monitoring	NOUN
inlawrev-4071	163	13	and	and	CCONJ
inlawrev-4071	163	14	auditing	auditing	NOUN
inlawrev-4071	163	15	.	.	PUNCT
inlawrev-4071	164	1	this	this	DET
inlawrev-4071	164	2	approach	approach	NOUN
inlawrev-4071	164	3	would	would	AUX
inlawrev-4071	164	4	allow	allow	VERB
inlawrev-4071	164	5	institutions	institution	NOUN
inlawrev-4071	164	6	to	to	PART
inlawrev-4071	164	7	structure	structure	VERB
inlawrev-4071	164	8	their	their	PRON
inlawrev-4071	164	9	compliance	compliance	NOUN
inlawrev-4071	164	10	programs	program	NOUN
inlawrev-4071	164	11	to	to	PART
inlawrev-4071	164	12	implement	implement	VERB
inlawrev-4071	164	13	the	the	DET
inlawrev-4071	164	14	policies	policy	NOUN
inlawrev-4071	164	15	and	and	CCONJ
inlawrev-4071	164	16	internal	internal	ADJ
inlawrev-4071	164	17	controls	control	NOUN
inlawrev-4071	164	18	that	that	PRON
inlawrev-4071	164	19	will	will	AUX
inlawrev-4071	164	20	be	be	AUX
inlawrev-4071	164	21	most	most	ADV
inlawrev-4071	164	22	effective	effective	ADJ
inlawrev-4071	164	23	in	in	ADP
inlawrev-4071	164	24	building	build	VERB
inlawrev-4071	164	25	an	an	DET
inlawrev-4071	164	26	ethical	ethical	ADJ
inlawrev-4071	164	27	culture	culture	NOUN
inlawrev-4071	164	28	and	and	CCONJ
inlawrev-4071	164	29	in	in	ADP
inlawrev-4071	164	30	ensuring	ensure	VERB
inlawrev-4071	164	31	the	the	DET
inlawrev-4071	164	32	institution	institution	NOUN
inlawrev-4071	164	33	's	's	PART
inlawrev-4071	164	34	compliance	compliance	NOUN
inlawrev-4071	164	35	with	with	ADP
inlawrev-4071	164	36	applicable	applicable	ADJ
inlawrev-4071	164	37	mortgage	mortgage	NOUN
inlawrev-4071	164	38	lending	lending	NOUN
inlawrev-4071	164	39	laws	law	NOUN
inlawrev-4071	164	40	and	and	CCONJ
inlawrev-4071	164	41	regulations	regulation	NOUN
inlawrev-4071	164	42	.	.	PUNCT
inlawrev-4071	165	1	lastly	lastly	ADV
inlawrev-4071	165	2	,	,	PUNCT
inlawrev-4071	165	3	mortgage	mortgage	NOUN
inlawrev-4071	165	4	-	-	PUNCT
inlawrev-4071	165	5	lending	lending	NOUN
inlawrev-4071	165	6	institutions	institution	NOUN
inlawrev-4071	165	7	should	should	AUX
inlawrev-4071	165	8	develop	develop	VERB
inlawrev-4071	165	9	a	a	DET
inlawrev-4071	165	10	system	system	NOUN
inlawrev-4071	165	11	of	of	ADP
inlawrev-4071	165	12	external	external	ADJ
inlawrev-4071	165	13	audits	audits	NOUN
inlawrev-4071	165	14	oftheir	oftheir	DET
inlawrev-4071	165	15	mortgage	mortgage	NOUN
inlawrev-4071	165	16	lending	lending	NOUN
inlawrev-4071	165	17	practices	practice	NOUN
inlawrev-4071	165	18	and	and	CCONJ
inlawrev-4071	165	19	engage	engage	VERB
inlawrev-4071	165	20	in	in	ADP
inlawrev-4071	165	21	voluntary	voluntary	ADJ
inlawrev-4071	165	22	self	self	NOUN
inlawrev-4071	165	23	-	-	PUNCT
inlawrev-4071	165	24	disclosure	disclosure	NOUN
inlawrev-4071	165	25	programs	program	NOUN
inlawrev-4071	165	26	.	.	PUNCT
inlawrev-4071	166	1	a	a	DET
inlawrev-4071	166	2	system	system	NOUN
inlawrev-4071	166	3	ofperiodic	ofperiodic	ADJ
inlawrev-4071	166	4	external	external	ADJ
inlawrev-4071	166	5	auditing	auditing	NOUN
inlawrev-4071	166	6	would	would	AUX
inlawrev-4071	166	7	bring	bring	VERB
inlawrev-4071	166	8	an	an	DET
inlawrev-4071	166	9	additional	additional	ADJ
inlawrev-4071	166	10	level	level	NOUN
inlawrev-4071	166	11	of	of	ADP
inlawrev-4071	166	12	objectivity	objectivity	NOUN
inlawrev-4071	166	13	and	and	CCONJ
inlawrev-4071	166	14	independence	independence	NOUN
inlawrev-4071	166	15	to	to	ADP
inlawrev-4071	166	16	the	the	DET
inlawrev-4071	166	17	compliance	compliance	NOUN
inlawrev-4071	166	18	assessment	assessment	NOUN
inlawrev-4071	166	19	process	process	NOUN
inlawrev-4071	166	20	.	.	PUNCT
inlawrev-4071	167	1	external	external	ADJ
inlawrev-4071	167	2	auditors	auditor	NOUN
inlawrev-4071	167	3	,	,	PUNCT
inlawrev-4071	167	4	in	in	ADP
inlawrev-4071	167	5	particular	particular	ADJ
inlawrev-4071	167	6	,	,	PUNCT
inlawrev-4071	167	7	can	can	AUX
inlawrev-4071	167	8	bring	bring	VERB
inlawrev-4071	167	9	an	an	DET
inlawrev-4071	167	10	additional	additional	ADJ
inlawrev-4071	167	11	value	value	NOUN
inlawrev-4071	167	12	;	;	PUNCT
inlawrev-4071	167	13	they	they	PRON
inlawrev-4071	167	14	work	work	VERB
inlawrev-4071	167	15	for	for	ADP
inlawrev-4071	167	16	numerous	numerous	ADJ
inlawrev-4071	167	17	clients	client	NOUN
inlawrev-4071	167	18	and	and	CCONJ
inlawrev-4071	167	19	have	have	VERB
inlawrev-4071	167	20	experience	experience	NOUN
inlawrev-4071	167	21	with	with	ADP
inlawrev-4071	167	22	a	a	DET
inlawrev-4071	167	23	wider	wide	ADJ
inlawrev-4071	167	24	variety	variety	NOUN
inlawrev-4071	167	25	of	of	ADP
inlawrev-4071	167	26	industry	industry	NOUN
inlawrev-4071	167	27	regulatory	regulatory	ADJ
inlawrev-4071	167	28	and	and	CCONJ
inlawrev-4071	167	29	compliance	compliance	NOUN
inlawrev-4071	167	30	practices	practice	NOUN
inlawrev-4071	167	31	.	.	PUNCT
inlawrev-4071	168	1	the	the	DET
inlawrev-4071	168	2	value	value	NOUN
inlawrev-4071	168	3	external	external	ADJ
inlawrev-4071	168	4	auditors	auditor	NOUN
inlawrev-4071	168	5	bring	bring	VERB
inlawrev-4071	168	6	is	be	AUX
inlawrev-4071	168	7	their	their	PRON
inlawrev-4071	168	8	credibility	credibility	NOUN
inlawrev-4071	168	9	with	with	ADP
inlawrev-4071	168	10	regulators	regulator	NOUN
inlawrev-4071	168	11	and	and	CCONJ
inlawrev-4071	168	12	their	their	PRON
inlawrev-4071	168	13	independence	independence	NOUN
inlawrev-4071	168	14	from	from	ADP
inlawrev-4071	168	15	the	the	DET
inlawrev-4071	168	16	institution	institution	NOUN
inlawrev-4071	168	17	.	.	PUNCT
inlawrev-4071	169	1	because	because	SCONJ
inlawrev-4071	169	2	of	of	ADP
inlawrev-4071	169	3	this	this	DET
inlawrev-4071	169	4	independence	independence	NOUN
inlawrev-4071	169	5	and	and	CCONJ
inlawrev-4071	169	6	because	because	SCONJ
inlawrev-4071	169	7	of	of	ADP
inlawrev-4071	169	8	their	their	PRON
inlawrev-4071	169	9	exposure	exposure	NOUN
inlawrev-4071	169	10	to	to	ADP
inlawrev-4071	169	11	a	a	DET
inlawrev-4071	169	12	variety	variety	NOUN
inlawrev-4071	169	13	of	of	ADP
inlawrev-4071	169	14	institution	institution	NOUN
inlawrev-4071	169	15	types	type	NOUN
inlawrev-4071	169	16	and	and	CCONJ
inlawrev-4071	169	17	systems	system	NOUN
inlawrev-4071	169	18	,	,	PUNCT
inlawrev-4071	169	19	external	external	ADJ
inlawrev-4071	169	20	auditors	auditor	NOUN
inlawrev-4071	169	21	may	may	AUX
inlawrev-4071	169	22	uncover	uncover	VERB
inlawrev-4071	169	23	issues	issue	NOUN
inlawrev-4071	169	24	that	that	PRON
inlawrev-4071	169	25	are	be	AUX
inlawrev-4071	169	26	new	new	ADJ
inlawrev-4071	169	27	to	to	ADP
inlawrev-4071	169	28	an	an	DET
inlawrev-4071	169	29	institution	institution	NOUN
inlawrev-4071	169	30	and	and	CCONJ
inlawrev-4071	169	31	may	may	AUX
inlawrev-4071	169	32	offer	offer	VERB
inlawrev-4071	169	33	proven	prove	VERB
inlawrev-4071	169	34	solutions	solution	NOUN
inlawrev-4071	169	35	that	that	PRON
inlawrev-4071	169	36	are	be	AUX
inlawrev-4071	169	37	likewise	likewise	ADV
inlawrev-4071	169	38	novel	novel	ADJ
inlawrev-4071	169	39	to	to	ADP
inlawrev-4071	169	40	the	the	DET
inlawrev-4071	169	41	internal	internal	PROPN
inlawrev-4071	169	42	monitor	monitor	NOUN
inlawrev-4071	169	43	.	.	PUNCT
inlawrev-4071	170	1	if	if	SCONJ
inlawrev-4071	170	2	the	the	DET
inlawrev-4071	170	3	institutions	institution	NOUN
inlawrev-4071	170	4	perform	perform	VERB
inlawrev-4071	170	5	the	the	DET
inlawrev-4071	170	6	internal	internal	ADJ
inlawrev-4071	170	7	monitoring	monitoring	NOUN
inlawrev-4071	170	8	objectively	objectively	ADV
inlawrev-4071	170	9	and	and	CCONJ
inlawrev-4071	170	10	competently	competently	ADV
inlawrev-4071	170	11	,	,	PUNCT
inlawrev-4071	170	12	as	as	SCONJ
inlawrev-4071	170	13	determined	determine	VERB
inlawrev-4071	170	14	by	by	ADP
inlawrev-4071	170	15	the	the	DET
inlawrev-4071	170	16	external	external	ADJ
inlawrev-4071	170	17	auditors	auditor	NOUN
inlawrev-4071	170	18	,	,	PUNCT
inlawrev-4071	170	19	the	the	DET
inlawrev-4071	170	20	regulators	regulator	NOUN
inlawrev-4071	170	21	can	can	AUX
inlawrev-4071	170	22	rely	rely	VERB
inlawrev-4071	170	23	on	on	ADP
inlawrev-4071	170	24	the	the	DET
inlawrev-4071	170	25	internal	internal	ADJ
inlawrev-4071	170	26	monitoring	monitoring	NOUN
inlawrev-4071	170	27	,	,	PUNCT
inlawrev-4071	170	28	to	to	ADP
inlawrev-4071	170	29	varying	vary	VERB
inlawrev-4071	170	30	degrees	degree	NOUN
inlawrev-4071	170	31	,	,	PUNCT
inlawrev-4071	170	32	which	which	PRON
inlawrev-4071	170	33	creates	create	VERB
inlawrev-4071	170	34	greater	great	ADJ
inlawrev-4071	170	35	efficiencies	efficiency	NOUN
inlawrev-4071	170	36	and	and	CCONJ
inlawrev-4071	170	37	saves	save	VERB
inlawrev-4071	170	38	money	money	NOUN
inlawrev-4071	170	39	.	.	PUNCT
inlawrev-4071	171	1	effective	effective	ADJ
inlawrev-4071	171	2	compliance	compliance	NOUN
inlawrev-4071	171	3	builds	build	VERB
inlawrev-4071	171	4	trust	trust	NOUN
inlawrev-4071	171	5	in	in	ADP
inlawrev-4071	171	6	the	the	DET
inlawrev-4071	171	7	system	system	NOUN
inlawrev-4071	171	8	and	and	CCONJ
inlawrev-4071	171	9	among	among	ADP
inlawrev-4071	171	10	key	key	ADJ
inlawrev-4071	171	11	stakeholders	stakeholder	NOUN
inlawrev-4071	171	12	.	.	PUNCT
inlawrev-4071	172	1	self	self	NOUN
inlawrev-4071	172	2	-	-	PUNCT
inlawrev-4071	172	3	governed	govern	VERB
inlawrev-4071	172	4	compliance	compliance	NOUN
inlawrev-4071	172	5	programs	program	NOUN
inlawrev-4071	172	6	are	be	AUX
inlawrev-4071	172	7	not	not	PART
inlawrev-4071	172	8	novel	novel	ADJ
inlawrev-4071	172	9	.	.	PUNCT
inlawrev-4071	173	1	in	in	ADP
inlawrev-4071	173	2	the	the	DET
inlawrev-4071	173	3	wake	wake	NOUN
inlawrev-4071	173	4	of	of	ADP
inlawrev-4071	173	5	procurement	procurement	NOUN
inlawrev-4071	173	6	scandals	scandal	NOUN
inlawrev-4071	173	7	that	that	PRON
inlawrev-4071	173	8	plagued	plague	VERB
inlawrev-4071	173	9	the	the	DET
inlawrev-4071	173	10	u.s	u.s	PROPN
inlawrev-4071	173	11	.	.	PROPN
inlawrev-4071	173	12	defense	defense	PROPN
inlawrev-4071	173	13	and	and	CCONJ
inlawrev-4071	173	14	aerospace	aerospace	NOUN
inlawrev-4071	173	15	industry	industry	NOUN
inlawrev-4071	173	16	in	in	ADP
inlawrev-4071	173	17	the	the	DET
inlawrev-4071	173	18	1	1	NUM
inlawrev-4071	173	19	980s	980	NOUN
inlawrev-4071	173	20	,	,	PUNCT
inlawrev-4071	173	21	the	the	DET
inlawrev-4071	173	22	defense	defense	NOUN
inlawrev-4071	173	23	industry	industry	NOUN
inlawrev-4071	173	24	decided	decide	VERB
inlawrev-4071	173	25	to	to	PART
inlawrev-4071	173	26	coalesce	coalesce	VERB
inlawrev-4071	173	27	and	and	CCONJ
inlawrev-4071	173	28	to	to	PART
inlawrev-4071	173	29	work	work	VERB
inlawrev-4071	173	30	together	together	ADV
inlawrev-4071	173	31	to	to	PART
inlawrev-4071	173	32	share	share	VERB
inlawrev-4071	173	33	and	and	CCONJ
inlawrev-4071	173	34	develop	develop	VERB
inlawrev-4071	173	35	best	good	ADJ
inlawrev-4071	173	36	practices	practice	NOUN
inlawrev-4071	173	37	for	for	ADP
inlawrev-4071	173	38	improving	improve	VERB
inlawrev-4071	173	39	its	its	PRON
inlawrev-4071	173	40	ethics	ethic	NOUN
inlawrev-4071	173	41	and	and	CCONJ
inlawrev-4071	173	42	compliance	compliance	NOUN
inlawrev-4071	173	43	posture	posture	NOUN
inlawrev-4071	173	44	across	across	ADP
inlawrev-4071	173	45	the	the	DET
inlawrev-4071	173	46	industry	industry	NOUN
inlawrev-4071	173	47	.	.	PUNCT
inlawrev-4071	174	1	in	in	ADP
inlawrev-4071	174	2	june	june	PROPN
inlawrev-4071	174	3	1986	1986	NUM
inlawrev-4071	174	4	,	,	PUNCT
inlawrev-4071	174	5	the	the	DET
inlawrev-4071	174	6	thirty	thirty	NUM
inlawrev-4071	174	7	-	-	PUNCT
inlawrev-4071	174	8	two	two	NUM
inlawrev-4071	174	9	major	major	ADJ
inlawrev-4071	174	10	defense	defense	NOUN
inlawrev-4071	174	11	contractors	contractor	NOUN
inlawrev-4071	174	12	established	establish	VERB
inlawrev-4071	174	13	the	the	DET
inlawrev-4071	174	14	defense	defense	NOUN
inlawrev-4071	174	15	industry	industry	NOUN
inlawrev-4071	174	16	initiative	initiative	NOUN
inlawrev-4071	174	17	on	on	ADP
inlawrev-4071	174	18	business	business	NOUN
inlawrev-4071	174	19	ethics	ethic	NOUN
inlawrev-4071	174	20	and	and	CCONJ
inlawrev-4071	174	21	conduct	conduct	NOUN
inlawrev-4071	174	22	(	(	PUNCT
inlawrev-4071	174	23	dii	dii	NOUN
inlawrev-4071	174	24	)	)	PUNCT
inlawrev-4071	174	25	.	.	PUNCT
inlawrev-4071	175	1	dii	dii	NOUN
inlawrev-4071	175	2	members	member	NOUN
inlawrev-4071	175	3	,	,	PUNCT
inlawrev-4071	175	4	known	know	VERB
inlawrev-4071	175	5	as	as	ADP
inlawrev-4071	175	6	signatories	signatory	NOUN
inlawrev-4071	175	7	,	,	PUNCT
inlawrev-4071	175	8	commit	commit	VERB
inlawrev-4071	175	9	to	to	ADP
inlawrev-4071	175	10	the	the	DET
inlawrev-4071	175	11	dii	dii	PROPN
inlawrev-4071	175	12	principles	principle	NOUN
inlawrev-4071	175	13	as	as	SCONJ
inlawrev-4071	175	14	set	set	VERB
inlawrev-4071	175	15	forth	forth	ADP
inlawrev-4071	175	16	in	in	ADP
inlawrev-4071	175	17	the	the	DET
inlawrev-4071	175	18	brokers	broker	NOUN
inlawrev-4071	175	19	as	as	ADP
inlawrev-4071	175	20	the	the	DET
inlawrev-4071	175	21	chief	chief	ADJ
inlawrev-4071	175	22	problem	problem	NOUN
inlawrev-4071	175	23	"	"	PUNCT
inlawrev-4071	175	24	)	)	PUNCT
inlawrev-4071	175	25	.	.	PUNCT
inlawrev-4071	176	1	3	3	NUM
inlawrev-4071	176	2	8	8	NUM
inlawrev-4071	176	3	.	.	PUNCT
inlawrev-4071	177	1	see	see	VERB
inlawrev-4071	177	2	david	david	PROPN
inlawrev-4071	177	3	hechler	hechler	PROPN
inlawrev-4071	177	4	,	,	PUNCT
inlawrev-4071	177	5	risky	risky	ADJ
inlawrev-4071	177	6	business	business	NOUN
inlawrev-4071	177	7	:	:	PUNCT
inlawrev-4071	177	8	did	do	AUX
inlawrev-4071	177	9	compliance	compliance	NOUN
inlawrev-4071	177	10	programs	program	NOUN
inlawrev-4071	177	11	fail	fail	VERB
inlawrev-4071	177	12	the	the	DET
inlawrev-4071	177	13	test	test	NOUN
inlawrev-4071	177	14	during	during	ADP
inlawrev-4071	177	15	the	the	DET
inlawrev-4071	177	16	financial	financial	ADJ
inlawrev-4071	177	17	industry	industry	NOUN
inlawrev-4071	177	18	meltdown	meltdown	NOUN
inlawrev-4071	177	19	?	?	PUNCT
inlawrev-4071	177	20	,	,	PUNCT
inlawrev-4071	177	21	corp	corp	PROPN
inlawrev-4071	177	22	.	.	PROPN
inlawrev-4071	177	23	counsel	counsel	PROPN
inlawrev-4071	177	24	,	,	PUNCT
inlawrev-4071	177	25	apr	apr	PROPN
inlawrev-4071	177	26	.	.	PROPN
inlawrev-4071	177	27	1	1	NUM
inlawrev-4071	177	28	,	,	PUNCT
inlawrev-4071	177	29	2009	2009	NUM
inlawrev-4071	177	30	,	,	PUNCT
inlawrev-4071	177	31	available	available	ADJ
inlawrev-4071	177	32	at	at	ADP
inlawrev-4071	177	33	http://www.law	http://www.law	NOUN
inlawrev-4071	177	34	.	.	PUNCT
inlawrev-4071	177	35	com	com	NOUN
inlawrev-4071	177	36	/	/	SYM
inlawrev-4071	177	37	j	j	PROPN
inlawrev-4071	177	38	sp	sp	PROPN
inlawrev-4071	177	39	/	/	SYM
inlawrev-4071	177	40	cc	cc	NOUN
inlawrev-4071	177	41	/	/	SYM
inlawrev-4071	177	42	pubarticlecc.j	pubarticlecc.j	PART
inlawrev-4071	177	43	sp?id=	sp?id=	NOUN
inlawrev-4071	177	44	1	1	NUM
inlawrev-4071	177	45	202429	202429	NUM
inlawrev-4071	177	46	1	1	NUM
inlawrev-4071	177	47	4	4	NUM
inlawrev-4071	177	48	1	1	NUM
inlawrev-4071	177	49	994	994	NUM
inlawrev-4071	177	50	.	.	PUNCT
inlawrev-4071	177	51	20	20	NUM
inlawrev-4071	177	52	1	1	NUM
inlawrev-4071	177	53	0	0	NUM
inlawrev-4071	177	54	]	]	PUNCT
inlawrev-4071	177	55	women	woman	NOUN
inlawrev-4071	177	56	and	and	CCONJ
inlawrev-4071	177	57	subprime	subprime	NOUN
inlawrev-4071	177	58	lending	lending	NOUN
inlawrev-4071	177	59	1	1	NUM
inlawrev-4071	177	60	225	225	NUM
inlawrev-4071	177	61	organization	organization	NOUN
inlawrev-4071	177	62	's	's	PART
inlawrev-4071	177	63	charter	charter	NOUN
inlawrev-4071	177	64	.	.	PUNCT
inlawrev-4071	178	1	the	the	DET
inlawrev-4071	178	2	principles	principle	NOUN
inlawrev-4071	178	3	are	be	AUX
inlawrev-4071	178	4	the	the	DET
inlawrev-4071	178	5	following	follow	VERB
inlawrev-4071	178	6	:	:	PUNCT
inlawrev-4071	178	7	(	(	PUNCT
inlawrev-4071	178	8	1	1	X
inlawrev-4071	178	9	)	)	PUNCT
inlawrev-4071	178	10	each	each	DET
inlawrev-4071	178	11	signatory	signatory	NOUN
inlawrev-4071	178	12	shall	shall	AUX
inlawrev-4071	178	13	have	have	AUX
inlawrev-4071	178	14	and	and	CCONJ
inlawrev-4071	178	15	adhere	adhere	VERB
inlawrev-4071	178	16	to	to	ADP
inlawrev-4071	178	17	a	a	DET
inlawrev-4071	178	18	written	write	VERB
inlawrev-4071	178	19	code	code	NOUN
inlawrev-4071	178	20	of	of	ADP
inlawrev-4071	178	21	business	business	NOUN
inlawrev-4071	178	22	conduct	conduct	NOUN
inlawrev-4071	178	23	.	.	PUNCT
inlawrev-4071	179	1	the	the	DET
inlawrev-4071	179	2	code	code	NOUN
inlawrev-4071	179	3	establishes	establish	VERB
inlawrev-4071	179	4	the	the	DET
inlawrev-4071	179	5	high	high	ADJ
inlawrev-4071	179	6	ethical	ethical	ADJ
inlawrev-4071	179	7	values	value	NOUN
inlawrev-4071	179	8	expected	expect	VERB
inlawrev-4071	179	9	for	for	ADP
inlawrev-4071	179	10	all	all	PRON
inlawrev-4071	179	11	within	within	ADP
inlawrev-4071	179	12	the	the	DET
inlawrev-4071	179	13	signatory	signatory	NOUN
inlawrev-4071	179	14	's	's	PART
inlawrev-4071	179	15	organization	organization	NOUN
inlawrev-4071	179	16	.	.	PUNCT
inlawrev-4071	180	1	(	(	PUNCT
inlawrev-4071	180	2	2	2	X
inlawrev-4071	180	3	)	)	PUNCT
inlawrev-4071	180	4	each	each	DET
inlawrev-4071	180	5	signatory	signatory	NOUN
inlawrev-4071	180	6	shall	shall	AUX
inlawrev-4071	180	7	train	train	VERB
inlawrev-4071	180	8	all	all	ADV
inlawrev-4071	180	9	within	within	ADP
inlawrev-4071	180	10	the	the	DET
inlawrev-4071	180	11	organization	organization	NOUN
inlawrev-4071	180	12	as	as	ADP
inlawrev-4071	180	13	to	to	ADP
inlawrev-4071	180	14	their	their	PRON
inlawrev-4071	180	15	personal	personal	ADJ
inlawrev-4071	180	16	responsibilities	responsibility	NOUN
inlawrev-4071	180	17	under	under	ADP
inlawrev-4071	180	18	the	the	DET
inlawrev-4071	180	19	code	code	NOUN
inlawrev-4071	180	20	.	.	PUNCT
inlawrev-4071	181	1	(	(	PUNCT
inlawrev-4071	181	2	3	3	X
inlawrev-4071	181	3	)	)	PUNCT
inlawrev-4071	181	4	signatories	signatory	NOUN
inlawrev-4071	181	5	shall	shall	AUX
inlawrev-4071	181	6	encourage	encourage	VERB
inlawrev-4071	181	7	internal	internal	ADJ
inlawrev-4071	181	8	reporting	reporting	NOUN
inlawrev-4071	181	9	of	of	ADP
inlawrev-4071	181	10	violation	violation	NOUN
inlawrev-4071	181	11	of	of	ADP
inlawrev-4071	181	12	the	the	DET
inlawrev-4071	181	13	code	code	NOUN
inlawrev-4071	181	14	,	,	PUNCT
inlawrev-4071	181	15	with	with	ADP
inlawrev-4071	181	16	the	the	DET
inlawrev-4071	181	17	promise	promise	NOUN
inlawrev-4071	181	18	of	of	ADP
inlawrev-4071	181	19	no	no	DET
inlawrev-4071	181	20	retaliation	retaliation	NOUN
inlawrev-4071	181	21	for	for	ADP
inlawrev-4071	181	22	such	such	ADJ
inlawrev-4071	181	23	reporting	reporting	NOUN
inlawrev-4071	181	24	.	.	PUNCT
inlawrev-4071	182	1	(	(	PUNCT
inlawrev-4071	182	2	4	4	X
inlawrev-4071	182	3	)	)	PUNCT
inlawrev-4071	182	4	signatories	signatory	NOUN
inlawrev-4071	182	5	have	have	VERB
inlawrev-4071	182	6	the	the	DET
inlawrev-4071	182	7	obligation	obligation	NOUN
inlawrev-4071	182	8	to	to	PART
inlawrev-4071	182	9	self	self	NOUN
inlawrev-4071	182	10	-	-	PUNCT
inlawrev-4071	182	11	govern	govern	ADJ
inlawrev-4071	182	12	by	by	ADP
inlawrev-4071	182	13	implementing	implement	VERB
inlawrev-4071	182	14	controls	control	NOUN
inlawrev-4071	182	15	to	to	PART
inlawrev-4071	182	16	monitor	monitor	VERB
inlawrev-4071	182	17	compliance	compliance	NOUN
inlawrev-4071	182	18	with	with	ADP
inlawrev-4071	182	19	federal	federal	ADJ
inlawrev-4071	182	20	procurement	procurement	NOUN
inlawrev-4071	182	21	laws	law	NOUN
inlawrev-4071	182	22	and	and	CCONJ
inlawrev-4071	182	23	by	by	ADP
inlawrev-4071	182	24	adopting	adopt	VERB
inlawrev-4071	182	25	procedures	procedure	NOUN
inlawrev-4071	182	26	for	for	ADP
inlawrev-4071	182	27	voluntary	voluntary	ADJ
inlawrev-4071	182	28	disclosure	disclosure	NOUN
inlawrev-4071	182	29	of	of	ADP
inlawrev-4071	182	30	violations	violation	NOUN
inlawrev-4071	182	31	of	of	ADP
inlawrev-4071	182	32	federal	federal	ADJ
inlawrev-4071	182	33	procurement	procurement	NOUN
inlawrev-4071	182	34	laws	law	NOUN
inlawrev-4071	182	35	to	to	PART
inlawrev-4071	182	36	appropriate	appropriate	ADJ
inlawrev-4071	182	37	authorities	authority	NOUN
inlawrev-4071	182	38	.	.	PUNCT
inlawrev-4071	183	1	(	(	PUNCT
inlawrev-4071	183	2	5	5	X
inlawrev-4071	183	3	)	)	PUNCT
inlawrev-4071	183	4	each	each	DET
inlawrev-4071	183	5	signatory	signatory	NOUN
inlawrev-4071	183	6	shall	shall	AUX
inlawrev-4071	183	7	have	have	VERB
inlawrev-4071	183	8	responsibility	responsibility	NOUN
inlawrev-4071	183	9	to	to	ADP
inlawrev-4071	183	10	each	each	DET
inlawrev-4071	183	11	other	other	ADJ
inlawrev-4071	183	12	to	to	PART
inlawrev-4071	183	13	share	share	VERB
inlawrev-4071	183	14	their	their	PRON
inlawrev-4071	183	15	best	good	ADJ
inlawrev-4071	183	16	practices	practice	NOUN
inlawrev-4071	183	17	in	in	ADP
inlawrev-4071	183	18	implementing	implement	VERB
inlawrev-4071	183	19	the	the	DET
inlawrev-4071	183	20	dii	dii	PROPN
inlawrev-4071	183	21	principles	principle	NOUN
inlawrev-4071	183	22	'	'	PUNCT
inlawrev-4071	183	23	,	,	PUNCT
inlawrev-4071	183	24	each	each	DET
inlawrev-4071	183	25	signatory	signatory	NOUN
inlawrev-4071	183	26	shall	shall	AUX
inlawrev-4071	183	27	participate	participate	VERB
inlawrev-4071	183	28	in	in	ADP
inlawrev-4071	183	29	an	an	DET
inlawrev-4071	183	30	annual	annual	ADJ
inlawrev-4071	183	31	best	good	ADJ
inlawrev-4071	183	32	practices	practice	NOUN
inlawrev-4071	183	33	forum	forum	NOUN
inlawrev-4071	183	34	.	.	PUNCT
inlawrev-4071	184	1	(	(	PUNCT
inlawrev-4071	184	2	6	6	X
inlawrev-4071	184	3	)	)	PUNCT
inlawrev-4071	184	4	each	each	DET
inlawrev-4071	184	5	signatory	signatory	NOUN
inlawrev-4071	184	6	shall	shall	AUX
inlawrev-4071	184	7	be	be	AUX
inlawrev-4071	184	8	accountable	accountable	ADJ
inlawrev-4071	184	9	to	to	ADP
inlawrev-4071	184	10	the	the	DET
inlawrev-4071	184	11	public	public	NOUN
inlawrev-4071	184	12	.	.	PUNCT
inlawrev-4071	185	1	^^	^^	PUNCT
inlawrev-4071	185	2	in	in	ADP
inlawrev-4071	185	3	essence	essence	NOUN
inlawrev-4071	185	4	,	,	PUNCT
inlawrev-4071	185	5	the	the	DET
inlawrev-4071	185	6	difs	difs	PROPN
inlawrev-4071	185	7	objectives	objective	NOUN
inlawrev-4071	185	8	are	be	AUX
inlawrev-4071	185	9	the	the	DET
inlawrev-4071	185	10	promotion	promotion	NOUN
inlawrev-4071	185	11	of	of	ADP
inlawrev-4071	185	12	self	self	NOUN
inlawrev-4071	185	13	-	-	PUNCT
inlawrev-4071	185	14	governance	governance	NOUN
inlawrev-4071	185	15	and	and	CCONJ
inlawrev-4071	185	16	internal	internal	ADJ
inlawrev-4071	185	17	reporting	reporting	NOUN
inlawrev-4071	185	18	,	,	PUNCT
inlawrev-4071	185	19	the	the	DET
inlawrev-4071	185	20	sharing	sharing	NOUN
inlawrev-4071	185	21	of	of	ADP
inlawrev-4071	185	22	best	good	ADJ
inlawrev-4071	185	23	practices	practice	NOUN
inlawrev-4071	185	24	related	relate	VERB
inlawrev-4071	185	25	to	to	ADP
inlawrev-4071	185	26	business	business	NOUN
inlawrev-4071	185	27	and	and	CCONJ
inlawrev-4071	185	28	ethics	ethic	NOUN
inlawrev-4071	185	29	,	,	PUNCT
inlawrev-4071	185	30	and	and	CCONJ
inlawrev-4071	185	31	the	the	DET
inlawrev-4071	185	32	promotion	promotion	NOUN
inlawrev-4071	185	33	and	and	CCONJ
inlawrev-4071	185	34	nurture	nurture	NOUN
inlawrev-4071	185	35	of	of	ADP
inlawrev-4071	185	36	ethical	ethical	ADJ
inlawrev-4071	185	37	conduct	conduct	NOUN
inlawrev-4071	185	38	in	in	ADP
inlawrev-4071	185	39	the	the	DET
inlawrev-4071	185	40	defense	defense	NOUN
inlawrev-4071	185	41	industry	industry	NOUN
inlawrev-4071	185	42	.	.	PUNCT
inlawrev-4071	186	1	signatories	signatory	NOUN
inlawrev-4071	186	2	are	be	AUX
inlawrev-4071	186	3	often	often	ADV
inlawrev-4071	186	4	competitor	competitor	NOUN
inlawrev-4071	186	5	companies	company	NOUN
inlawrev-4071	186	6	and	and	CCONJ
inlawrev-4071	186	7	sometimes	sometimes	ADV
inlawrev-4071	186	8	they	they	PRON
inlawrev-4071	186	9	are	be	AUX
inlawrev-4071	186	10	partners	partner	NOUN
inlawrev-4071	186	11	.	.	PUNCT
inlawrev-4071	187	1	they	they	PRON
inlawrev-4071	187	2	work	work	VERB
inlawrev-4071	187	3	together	together	ADV
inlawrev-4071	187	4	in	in	ADP
inlawrev-4071	187	5	a	a	DET
inlawrev-4071	187	6	spirit	spirit	NOUN
inlawrev-4071	187	7	of	of	ADP
inlawrev-4071	187	8	coopetition	coopetition	NOUN
inlawrev-4071	187	9	.	.	PUNCT
inlawrev-4071	188	1	companies	company	NOUN
inlawrev-4071	188	2	wishing	wish	VERB
inlawrev-4071	188	3	to	to	PART
inlawrev-4071	188	4	join	join	VERB
inlawrev-4071	188	5	dii	dii	NOUN
inlawrev-4071	188	6	must	must	AUX
inlawrev-4071	188	7	subscribe	subscribe	VERB
inlawrev-4071	188	8	to	to	ADP
inlawrev-4071	188	9	the	the	DET
inlawrev-4071	188	10	six	six	NUM
inlawrev-4071	188	11	principles	principle	NOUN
inlawrev-4071	188	12	mentioned	mention	VERB
inlawrev-4071	188	13	above	above	ADV
inlawrev-4071	188	14	.	.	PUNCT
inlawrev-4071	189	1	fundamental	fundamental	ADJ
inlawrev-4071	189	2	to	to	ADP
inlawrev-4071	189	3	membership	membership	NOUN
inlawrev-4071	189	4	in	in	ADP
inlawrev-4071	189	5	the	the	DET
inlawrev-4071	189	6	dii	dii	NOUN
inlawrev-4071	189	7	is	be	AUX
inlawrev-4071	189	8	the	the	DET
inlawrev-4071	189	9	commitment	commitment	NOUN
inlawrev-4071	189	10	to	to	PART
inlawrev-4071	189	11	share	share	VERB
inlawrev-4071	189	12	business	business	NOUN
inlawrev-4071	189	13	conduct	conduct	NOUN
inlawrev-4071	189	14	and	and	CCONJ
inlawrev-4071	189	15	ethics	ethic	NOUN
inlawrev-4071	189	16	best	good	ADJ
inlawrev-4071	189	17	practices	practice	NOUN
inlawrev-4071	189	18	;	;	PUNCT
inlawrev-4071	189	19	sharing	share	VERB
inlawrev-4071	189	20	of	of	ADP
inlawrev-4071	189	21	best	good	ADJ
inlawrev-4071	189	22	practices	practice	NOUN
inlawrev-4071	189	23	is	be	AUX
inlawrev-4071	189	24	strictly	strictly	ADV
inlawrev-4071	189	25	limited	limit	VERB
inlawrev-4071	189	26	to	to	ADP
inlawrev-4071	189	27	ethics	ethic	NOUN
inlawrev-4071	189	28	and	and	CCONJ
inlawrev-4071	189	29	business	business	NOUN
inlawrev-4071	189	30	conduct	conduct	NOUN
inlawrev-4071	189	31	and	and	CCONJ
inlawrev-4071	189	32	does	do	AUX
inlawrev-4071	189	33	not	not	PART
inlawrev-4071	189	34	include	include	VERB
inlawrev-4071	189	35	the	the	DET
inlawrev-4071	189	36	sharing	sharing	NOUN
inlawrev-4071	189	37	of	of	ADP
inlawrev-4071	189	38	competitive	competitive	ADJ
inlawrev-4071	189	39	business	business	NOUN
inlawrev-4071	189	40	information	information	NOUN
inlawrev-4071	189	41	or	or	CCONJ
inlawrev-4071	189	42	practices	practice	NOUN
inlawrev-4071	189	43	.	.	PUNCT
inlawrev-4071	190	1	"^^	"^^	PROPN
inlawrev-4071	190	2	the	the	DET
inlawrev-4071	190	3	dii	dii	PROPN
inlawrev-4071	190	4	holds	hold	VERB
inlawrev-4071	190	5	an	an	DET
inlawrev-4071	190	6	annual	annual	ADJ
inlawrev-4071	190	7	best	good	ADJ
inlawrev-4071	190	8	practices	practice	NOUN
inlawrev-4071	190	9	forum	forum	NOUN
inlawrev-4071	190	10	,	,	PUNCT
inlawrev-4071	190	11	which	which	PRON
inlawrev-4071	190	12	is	be	AUX
inlawrev-4071	190	13	one	one	NUM
inlawrev-4071	190	14	of	of	ADP
inlawrev-4071	190	15	the	the	DET
inlawrev-4071	190	16	means	mean	NOUN
inlawrev-4071	190	17	by	by	ADP
inlawrev-4071	190	18	which	which	PRON
inlawrev-4071	190	19	signatories	signatory	NOUN
inlawrev-4071	190	20	share	share	VERB
inlawrev-4071	190	21	best	good	ADJ
inlawrev-4071	190	22	practices	practice	NOUN
inlawrev-4071	190	23	.	.	PUNCT
inlawrev-4071	191	1	the	the	DET
inlawrev-4071	191	2	signatories	signatory	NOUN
inlawrev-4071	191	3	regard	regard	VERB
inlawrev-4071	191	4	the	the	DET
inlawrev-4071	191	5	sharing	sharing	NOUN
inlawrev-4071	191	6	of	of	ADP
inlawrev-4071	191	7	best	good	ADJ
inlawrev-4071	191	8	practices	practice	NOUN
inlawrev-4071	191	9	as	as	ADP
inlawrev-4071	191	10	one	one	NUM
inlawrev-4071	191	11	of	of	ADP
inlawrev-4071	191	12	the	the	DET
inlawrev-4071	191	13	most	most	ADV
inlawrev-4071	191	14	important	important	ADJ
inlawrev-4071	191	15	benefits	benefit	NOUN
inlawrev-4071	191	16	of	of	ADP
inlawrev-4071	191	17	membership	membership	NOUN
inlawrev-4071	191	18	in	in	ADP
inlawrev-4071	191	19	the	the	DET
inlawrev-4071	191	20	dii	dii	NOUN
inlawrev-4071	191	21	.	.	PUNCT
inlawrev-4071	192	1	the	the	DET
inlawrev-4071	192	2	dii	dii	NOUN
inlawrev-4071	192	3	wrote	write	VERB
inlawrev-4071	192	4	in	in	ADP
inlawrev-4071	192	5	its	its	PRON
inlawrev-4071	192	6	2000	2000	NUM
inlawrev-4071	192	7	annual	annual	ADJ
inlawrev-4071	192	8	report	report	NOUN
inlawrev-4071	192	9	that	that	SCONJ
inlawrev-4071	192	10	"	"	PUNCT
inlawrev-4071	192	11	[	[	X
inlawrev-4071	192	12	t]he	t]he	ADV
inlawrev-4071	192	13	overarching	overarching	ADJ
inlawrev-4071	192	14	principle	principle	NOUN
inlawrev-4071	192	15	of	of	ADP
inlawrev-4071	192	16	corporate	corporate	ADJ
inlawrev-4071	192	17	self	self	NOUN
inlawrev-4071	192	18	-	-	PUNCT
inlawrev-4071	192	19	governance	governance	NOUN
inlawrev-4071	192	20	,	,	PUNCT
inlawrev-4071	192	21	the	the	DET
inlawrev-4071	192	22	bedrock	bedrock	NOUN
inlawrev-4071	192	23	of	of	ADP
inlawrev-4071	192	24	what	what	PRON
inlawrev-4071	192	25	dii	dii	NOUN
inlawrev-4071	192	26	is	be	AUX
inlawrev-4071	192	27	all	all	ADV
inlawrev-4071	192	28	about	about	ADP
inlawrev-4071	192	29	is	be	AUX
inlawrev-4071	192	30	embedded	embed	VERB
inlawrev-4071	192	31	in	in	ADP
inlawrev-4071	192	32	the	the	DET
inlawrev-4071	192	33	u.s	u.s	PROPN
inlawrev-4071	192	34	.	.	PROPN
inlawrev-4071	192	35	sentencing	sentencing	PROPN
inlawrev-4071	192	36	commission	commission	NOUN
inlawrev-4071	192	37	's	's	PART
inlawrev-4071	192	38	sentence	sentence	NOUN
inlawrev-4071	192	39	guidelines	guideline	NOUN
inlawrev-4071	192	40	for	for	ADP
inlawrev-4071	192	41	corporations	corporation	NOUN
inlawrev-4071	192	42	.	.	PUNCT
inlawrev-4071	192	43	'	'	PUNCT
inlawrev-4071	193	1	"	"	PUNCT
inlawrev-4071	193	2	*	*	PUNCT
inlawrev-4071	193	3	'	'	PUNCT
inlawrev-4071	193	4	the	the	DET
inlawrev-4071	193	5	federal	federal	ADJ
inlawrev-4071	193	6	sentencing	sentencing	NOUN
inlawrev-4071	193	7	guidelines	guideline	NOUN
inlawrev-4071	193	8	apply	apply	VERB
inlawrev-4071	193	9	to	to	ADP
inlawrev-4071	193	10	organizations	organization	NOUN
inlawrev-4071	193	11	,	,	PUNCT
inlawrev-4071	193	12	including	include	VERB
inlawrev-4071	193	13	financial	financial	ADJ
inlawrev-4071	193	14	39	39	NUM
inlawrev-4071	193	15	.	.	PUNCT
inlawrev-4071	194	1	charter	charter	NOUN
inlawrev-4071	194	2	ofthe	ofthe	NOUN
inlawrev-4071	194	3	defense	defense	NOUN
inlawrev-4071	194	4	industry	industry	NOUN
inlawrev-4071	194	5	initiative	initiative	NOUN
inlawrev-4071	194	6	on	on	ADP
inlawrev-4071	194	7	business	business	NOUN
inlawrev-4071	194	8	ethics	ethic	NOUN
inlawrev-4071	194	9	&	&	CCONJ
inlawrev-4071	194	10	conduct	conduct	NOUN
inlawrev-4071	194	11	,	,	PUNCT
inlawrev-4071	194	12	art	art	NOUN
inlawrev-4071	194	13	.	.	PUNCT
inlawrev-4071	195	1	ill	ill	ADJ
inlawrev-4071	195	2	(	(	PUNCT
inlawrev-4071	195	3	2004	2004	NUM
inlawrev-4071	195	4	)	)	PUNCT
inlawrev-4071	195	5	,	,	PUNCT
inlawrev-4071	195	6	available	available	ADJ
inlawrev-4071	195	7	at	at	ADP
inlawrev-4071	195	8	www.dii.org/resources/dii-charter.pdf	www.dii.org/resources/dii-charter.pdf	NOUN
inlawrev-4071	195	9	(	(	PUNCT
inlawrev-4071	195	10	emphasis	emphasis	NOUN
inlawrev-4071	195	11	added	add	VERB
inlawrev-4071	195	12	)	)	PUNCT
inlawrev-4071	195	13	.	.	PUNCT
inlawrev-4071	196	1	40	40	NUM
inlawrev-4071	196	2	.	.	PUNCT
inlawrev-4071	197	1	public	public	ADJ
inlawrev-4071	197	2	accountability	accountability	NOUN
inlawrev-4071	197	3	report	report	NOUN
inlawrev-4071	197	4	of	of	ADP
inlawrev-4071	197	5	the	the	DET
inlawrev-4071	197	6	defense	defense	NOUN
inlawrev-4071	197	7	industry	industry	NOUN
inlawrev-4071	197	8	initiative	initiative	NOUN
inlawrev-4071	197	9	on	on	ADP
inlawrev-4071	197	10	business	business	NOUN
inlawrev-4071	197	11	ethics	ethic	NOUN
inlawrev-4071	197	12	&	&	CCONJ
inlawrev-4071	197	13	conduct	conduct	VERB
inlawrev-4071	197	14	2	2	NUM
inlawrev-4071	197	15	(	(	PUNCT
inlawrev-4071	197	16	2008	2008	NUM
inlawrev-4071	197	17	-	-	SYM
inlawrev-4071	197	18	2009	2009	NUM
inlawrev-4071	197	19	)	)	PUNCT
inlawrev-4071	197	20	,	,	PUNCT
inlawrev-4071	197	21	available	available	ADJ
inlawrev-4071	197	22	at	at	ADP
inlawrev-4071	197	23	http://www.dii.org/resources/annual-report20089.pdf	http://www.dii.org/resources/annual-report20089.pdf	PROPN
inlawrev-4071	197	24	41	41	NUM
inlawrev-4071	197	25	.	.	PUNCT
inlawrev-4071	198	1	origins	origin	NOUN
inlawrev-4071	198	2	and	and	CCONJ
inlawrev-4071	198	3	development	development	NOUN
inlawrev-4071	198	4	of	of	ADP
inlawrev-4071	198	5	the	the	DET
inlawrev-4071	198	6	defense	defense	NOUN
inlawrev-4071	198	7	industry	industry	NOUN
inlawrev-4071	198	8	initiative	initiative	NOUN
inlawrev-4071	198	9	,	,	PUNCT
inlawrev-4071	198	10	in	in	ADP
inlawrev-4071	198	11	2000	2000	NUM
inlawrev-4071	198	12	def	def	PROPN
inlawrev-4071	198	13	.	.	PROPN
inlawrev-4071	198	14	indus	indus	PROPN
inlawrev-4071	198	15	.	.	PUNCT
inlawrev-4071	199	1	initl\tive	initl\tive	ADJ
inlawrev-4071	199	2	ann	ann	PROPN
inlawrev-4071	199	3	.	.	PROPN
inlawrev-4071	199	4	rep	rep	PROPN
inlawrev-4071	199	5	.	.	PROPN
inlawrev-4071	199	6	10	10	NUM
inlawrev-4071	199	7	(	(	PUNCT
inlawrev-4071	199	8	"	"	PUNCT
inlawrev-4071	199	9	discussing	discuss	VERB
inlawrev-4071	199	10	development	development	NOUN
inlawrev-4071	199	11	of	of	ADP
inlawrev-4071	199	12	defense	defense	NOUN
inlawrev-4071	199	13	industry	industry	NOUN
inlawrev-4071	199	14	initiative	initiative	NOUN
inlawrev-4071	199	15	in	in	ADP
inlawrev-4071	199	16	the	the	DET
inlawrev-4071	199	17	preguidelines	preguideline	NOUN
inlawrev-4071	199	18	era	era	NOUN
inlawrev-4071	199	19	"	"	PUNCT
inlawrev-4071	199	20	)	)	PUNCT
inlawrev-4071	199	21	,	,	PUNCT
inlawrev-4071	199	22	as	as	SCONJ
inlawrev-4071	199	23	cited	cite	VERB
inlawrev-4071	199	24	and	and	CCONJ
inlawrev-4071	199	25	quoted	quote	VERB
inlawrev-4071	199	26	in	in	ADP
inlawrev-4071	199	27	diana	diana	PROPN
inlawrev-4071	199	28	e.	e.	PROPN
inlawrev-4071	199	29	murphy	murphy	PROPN
inlawrev-4071	199	30	,	,	PUNCT
inlawrev-4071	199	31	the	the	DET
inlawrev-4071	199	32	federal	federal	ADJ
inlawrev-4071	199	33	sentencing	sentencing	NOUN
inlawrev-4071	199	34	guidelinesfor	guidelinesfor	NOUN
inlawrev-4071	199	35	organizations	organization	NOUN
inlawrev-4071	199	36	:	:	PUNCT
inlawrev-4071	199	37	a	a	DET
inlawrev-4071	199	38	decade	decade	NOUN
inlawrev-4071	199	39	ofpromoting	ofpromote	VERB
inlawrev-4071	199	40	compliance	compliance	NOUN
inlawrev-4071	199	41	and	and	CCONJ
inlawrev-4071	199	42	ethics	ethic	NOUN
inlawrev-4071	199	43	,	,	PUNCT
inlawrev-4071	199	44	87	87	NUM
inlawrev-4071	199	45	lowa	lowa	PROPN
inlawrev-4071	199	46	l.	l.	PROPN
inlawrev-4071	199	47	rev	rev	PROPN
inlawrev-4071	199	48	.	.	PROPN
inlawrev-4071	199	49	697	697	NUM
inlawrev-4071	199	50	,	,	PUNCT
inlawrev-4071	199	51	707	707	NUM
inlawrev-4071	199	52	n.44	n.44	NOUN
inlawrev-4071	199	53	(	(	PUNCT
inlawrev-4071	199	54	2002	2002	NUM
inlawrev-4071	199	55	)	)	PUNCT
inlawrev-4071	199	56	.	.	PUNCT
inlawrev-4071	200	1	1	1	NUM
inlawrev-4071	200	2	226	226	NUM
inlawrev-4071	200	3	indiana	indiana	NOUN
inlawrev-4071	200	4	law	law	PROPN
inlawrev-4071	200	5	review	review	NOUN
inlawrev-4071	200	6	[	[	X
inlawrev-4071	200	7	vol	vol	NOUN
inlawrev-4071	200	8	.	.	PUNCT
inlawrev-4071	201	1	43	43	NUM
inlawrev-4071	201	2	:	:	SYM
inlawrev-4071	201	3	1	1	NUM
inlawrev-4071	201	4	2	2	NUM
inlawrev-4071	201	5	1	1	NUM
inlawrev-4071	201	6	7	7	NUM
inlawrev-4071	201	7	institutions	institution	NOUN
inlawrev-4071	201	8	and	and	CCONJ
inlawrev-4071	201	9	brokers	broker	NOUN
inlawrev-4071	201	10	.	.	PUNCT
inlawrev-4071	202	1	"*^	"*^	NOUN
inlawrev-4071	203	1	the	the	DET
inlawrev-4071	203	2	sentencing	sentencing	NOUN
inlawrev-4071	203	3	guidelines	guideline	NOUN
inlawrev-4071	203	4	impose	impose	VERB
inlawrev-4071	203	5	penalties	penalty	NOUN
inlawrev-4071	203	6	on	on	ADP
inlawrev-4071	203	7	organizations	organization	NOUN
inlawrev-4071	203	8	that	that	PRON
inlawrev-4071	203	9	violate	violate	VERB
inlawrev-4071	203	10	federal	federal	ADJ
inlawrev-4071	203	11	criminal	criminal	ADJ
inlawrev-4071	203	12	law	law	NOUN
inlawrev-4071	203	13	.	.	PUNCT
inlawrev-4071	204	1	importantly	importantly	ADV
inlawrev-4071	204	2	,	,	PUNCT
inlawrev-4071	204	3	the	the	DET
inlawrev-4071	204	4	sentencing	sentencing	NOUN
inlawrev-4071	204	5	guidelines	guideline	NOUN
inlawrev-4071	204	6	are	be	AUX
inlawrev-4071	204	7	also	also	ADV
inlawrev-4071	204	8	intended	intend	VERB
inlawrev-4071	204	9	to	to	PART
inlawrev-4071	204	10	incentivize	incentivize	VERB
inlawrev-4071	204	11	organizations	organization	NOUN
inlawrev-4071	204	12	to	to	PART
inlawrev-4071	204	13	develop	develop	VERB
inlawrev-4071	204	14	and	and	CCONJ
inlawrev-4071	204	15	maintain	maintain	VERB
inlawrev-4071	204	16	compliance	compliance	NOUN
inlawrev-4071	204	17	programs	program	NOUN
inlawrev-4071	204	18	that	that	PRON
inlawrev-4071	204	19	are	be	AUX
inlawrev-4071	204	20	effective	effective	ADJ
inlawrev-4071	204	21	and	and	CCONJ
inlawrev-4071	204	22	that	that	PRON
inlawrev-4071	204	23	deter	deter	VERB
inlawrev-4071	204	24	illegal	illegal	ADJ
inlawrev-4071	204	25	and	and	CCONJ
inlawrev-4071	204	26	unethical	unethical	ADJ
inlawrev-4071	204	27	conduct	conduct	NOUN
inlawrev-4071	204	28	.	.	PUNCT
inlawrev-4071	205	1	"^^	"^^	PROPN
inlawrev-4071	205	2	ifmortgage	ifmortgage	NOUN
inlawrev-4071	205	3	lenders	lender	NOUN
inlawrev-4071	205	4	intentionally	intentionally	ADV
inlawrev-4071	205	5	target	target	VERB
inlawrev-4071	205	6	women	woman	NOUN
inlawrev-4071	205	7	for	for	ADP
inlawrev-4071	205	8	subprime	subprime	ADJ
inlawrev-4071	205	9	mortgages	mortgage	NOUN
inlawrev-4071	205	10	,	,	PUNCT
inlawrev-4071	205	11	these	these	DET
inlawrev-4071	205	12	institutions	institution	NOUN
inlawrev-4071	205	13	are	be	AUX
inlawrev-4071	205	14	susceptible	susceptible	ADJ
inlawrev-4071	205	15	to	to	ADP
inlawrev-4071	205	16	claims	claim	NOUN
inlawrev-4071	205	17	that	that	SCONJ
inlawrev-4071	205	18	they	they	PRON
inlawrev-4071	205	19	are	be	AUX
inlawrev-4071	205	20	violating	violate	VERB
inlawrev-4071	205	21	federal	federal	ADJ
inlawrev-4071	205	22	housing	housing	NOUN
inlawrev-4071	205	23	,	,	PUNCT
inlawrev-4071	205	24	fair	fair	ADJ
inlawrev-4071	205	25	lending	lending	NOUN
inlawrev-4071	205	26	,	,	PUNCT
inlawrev-4071	205	27	and	and	CCONJ
inlawrev-4071	205	28	anti	anti	ADJ
inlawrev-4071	205	29	-	-	ADJ
inlawrev-4071	205	30	discrimination	discrimination	ADJ
inlawrev-4071	205	31	laws	law	NOUN
inlawrev-4071	205	32	and	and	CCONJ
inlawrev-4071	205	33	could	could	AUX
inlawrev-4071	205	34	be	be	AUX
inlawrev-4071	205	35	subject	subject	ADJ
inlawrev-4071	205	36	to	to	ADP
inlawrev-4071	205	37	civil	civil	ADJ
inlawrev-4071	205	38	sanctions	sanction	NOUN
inlawrev-4071	205	39	.	.	PUNCT
inlawrev-4071	206	1	although	although	SCONJ
inlawrev-4071	206	2	the	the	DET
inlawrev-4071	206	3	sentencing	sentencing	NOUN
inlawrev-4071	206	4	guidelines	guideline	NOUN
inlawrev-4071	206	5	would	would	AUX
inlawrev-4071	206	6	not	not	PART
inlawrev-4071	206	7	apply	apply	VERB
inlawrev-4071	206	8	in	in	ADP
inlawrev-4071	206	9	this	this	DET
inlawrev-4071	206	10	type	type	NOUN
inlawrev-4071	206	11	of	of	ADP
inlawrev-4071	206	12	corporate	corporate	ADJ
inlawrev-4071	206	13	context	context	NOUN
inlawrev-4071	206	14	to	to	ADP
inlawrev-4071	206	15	an	an	DET
inlawrev-4071	206	16	institution	institution	NOUN
inlawrev-4071	206	17	's	's	PART
inlawrev-4071	206	18	activities	activity	NOUN
inlawrev-4071	206	19	,	,	PUNCT
inlawrev-4071	206	20	where	where	SCONJ
inlawrev-4071	206	21	there	there	PRON
inlawrev-4071	206	22	are	be	VERB
inlawrev-4071	206	23	no	no	DET
inlawrev-4071	206	24	federal	federal	ADJ
inlawrev-4071	206	25	criminal	criminal	ADJ
inlawrev-4071	206	26	violations	violation	NOUN
inlawrev-4071	206	27	,	,	PUNCT
inlawrev-4071	206	28	they	they	PRON
inlawrev-4071	206	29	provide	provide	VERB
inlawrev-4071	206	30	a	a	DET
inlawrev-4071	206	31	useful	useful	ADJ
inlawrev-4071	206	32	framework	framework	NOUN
inlawrev-4071	206	33	for	for	ADP
inlawrev-4071	206	34	financial	financial	ADJ
inlawrev-4071	206	35	institutions	institution	NOUN
inlawrev-4071	206	36	to	to	PART
inlawrev-4071	206	37	use	use	VERB
inlawrev-4071	206	38	to	to	PART
inlawrev-4071	206	39	move	move	VERB
inlawrev-4071	206	40	forward	forward	ADV
inlawrev-4071	206	41	and	and	CCONJ
inlawrev-4071	206	42	better	well	ADJ
inlawrev-4071	206	43	police	police	VERB
inlawrev-4071	206	44	their	their	PRON
inlawrev-4071	206	45	own	own	ADJ
inlawrev-4071	206	46	internal	internal	ADJ
inlawrev-4071	206	47	activities	activity	NOUN
inlawrev-4071	206	48	and	and	CCONJ
inlawrev-4071	206	49	create	create	VERB
inlawrev-4071	206	50	an	an	DET
inlawrev-4071	206	51	ethical	ethical	ADJ
inlawrev-4071	206	52	business	business	NOUN
inlawrev-4071	206	53	culture	culture	NOUN
inlawrev-4071	206	54	.	.	PUNCT
inlawrev-4071	207	1	the	the	DET
inlawrev-4071	207	2	sentencing	sentencing	NOUN
inlawrev-4071	207	3	guidelines	guideline	NOUN
inlawrev-4071	207	4	establish	establish	VERB
inlawrev-4071	207	5	seven	seven	NUM
inlawrev-4071	207	6	minimum	minimum	ADJ
inlawrev-4071	207	7	criteria	criterion	NOUN
inlawrev-4071	207	8	for	for	ADP
inlawrev-4071	207	9	an	an	DET
inlawrev-4071	207	10	effective	effective	ADJ
inlawrev-4071	207	11	ethics	ethic	NOUN
inlawrev-4071	207	12	and	and	CCONJ
inlawrev-4071	207	13	compliance	compliance	NOUN
inlawrev-4071	207	14	program	program	NOUN
inlawrev-4071	207	15	.	.	PUNCT
inlawrev-4071	208	1	[	[	X
inlawrev-4071	208	2	1	1	X
inlawrev-4071	208	3	]	]	PUNCT
inlawrev-4071	208	4	the	the	DET
inlawrev-4071	208	5	organization	organization	NOUN
inlawrev-4071	208	6	must	must	AUX
inlawrev-4071	208	7	establish	establish	VERB
inlawrev-4071	208	8	compliance	compliance	NOUN
inlawrev-4071	208	9	procedures	procedure	NOUN
inlawrev-4071	208	10	and	and	CCONJ
inlawrev-4071	208	11	standards	standard	NOUN
inlawrev-4071	208	12	designed	design	VERB
inlawrev-4071	208	13	to	to	PART
inlawrev-4071	208	14	detect	detect	VERB
inlawrev-4071	208	15	and	and	CCONJ
inlawrev-4071	208	16	to	to	PART
inlawrev-4071	208	17	prevent	prevent	VERB
inlawrev-4071	208	18	criminal	criminal	ADJ
inlawrev-4071	208	19	conduct	conduct	NOUN
inlawrev-4071	208	20	.	.	PUNCT
inlawrev-4071	209	1	[	[	X
inlawrev-4071	209	2	2	2	NUM
inlawrev-4071	209	3	]	]	X
inlawrev-4071	209	4	specific	specific	ADJ
inlawrev-4071	209	5	,	,	PUNCT
inlawrev-4071	209	6	high	high	ADJ
inlawrev-4071	209	7	level	level	NOUN
inlawrev-4071	209	8	personnel	personnel	NOUN
inlawrev-4071	209	9	must	must	AUX
inlawrev-4071	209	10	be	be	AUX
inlawrev-4071	209	11	delegated	delegate	VERB
inlawrev-4071	209	12	responsibility	responsibility	NOUN
inlawrev-4071	209	13	for	for	ADP
inlawrev-4071	209	14	compliance	compliance	NOUN
inlawrev-4071	209	15	oversight	oversight	NOUN
inlawrev-4071	209	16	.	.	PUNCT
inlawrev-4071	210	1	[	[	X
inlawrev-4071	210	2	3	3	X
inlawrev-4071	210	3	]	]	X
inlawrev-4071	210	4	reasonable	reasonable	ADJ
inlawrev-4071	210	5	due	due	ADJ
inlawrev-4071	210	6	diligence	diligence	NOUN
inlawrev-4071	210	7	must	must	AUX
inlawrev-4071	210	8	be	be	AUX
inlawrev-4071	210	9	exercised	exercise	VERB
inlawrev-4071	210	10	to	to	PART
inlawrev-4071	210	11	make	make	VERB
inlawrev-4071	210	12	certain	certain	ADJ
inlawrev-4071	210	13	that	that	SCONJ
inlawrev-4071	210	14	individuals	individual	NOUN
inlawrev-4071	210	15	with	with	ADP
inlawrev-4071	210	16	substantial	substantial	ADJ
inlawrev-4071	210	17	compliance	compliance	NOUN
inlawrev-4071	210	18	authority	authority	NOUN
inlawrev-4071	210	19	are	be	AUX
inlawrev-4071	210	20	not	not	PART
inlawrev-4071	210	21	ethically	ethically	ADV
inlawrev-4071	210	22	compromised	compromise	VERB
inlawrev-4071	210	23	.	.	PUNCT
inlawrev-4071	211	1	[	[	X
inlawrev-4071	211	2	4	4	X
inlawrev-4071	211	3	]	]	PUNCT
inlawrev-4071	211	4	the	the	DET
inlawrev-4071	211	5	organization	organization	NOUN
inlawrev-4071	211	6	must	must	AUX
inlawrev-4071	211	7	communicate	communicate	VERB
inlawrev-4071	211	8	compliance	compliance	NOUN
inlawrev-4071	211	9	procedures	procedure	NOUN
inlawrev-4071	211	10	and	and	CCONJ
inlawrev-4071	211	11	standards	standard	NOUN
inlawrev-4071	211	12	to	to	ADP
inlawrev-4071	211	13	its	its	PRON
inlawrev-4071	211	14	employees	employee	NOUN
inlawrev-4071	211	15	.	.	PUNCT
inlawrev-4071	212	1	[	[	X
inlawrev-4071	212	2	5	5	X
inlawrev-4071	212	3	]	]	PUNCT
inlawrev-4071	212	4	the	the	DET
inlawrev-4071	212	5	organization	organization	NOUN
inlawrev-4071	212	6	must	must	AUX
inlawrev-4071	212	7	establish	establish	VERB
inlawrev-4071	212	8	monitoring	monitoring	NOUN
inlawrev-4071	212	9	,	,	PUNCT
inlawrev-4071	212	10	auditing	auditing	NOUN
inlawrev-4071	212	11	,	,	PUNCT
inlawrev-4071	212	12	and	and	CCONJ
inlawrev-4071	212	13	reporting	report	VERB
inlawrev-4071	212	14	systems	system	NOUN
inlawrev-4071	212	15	with	with	ADP
inlawrev-4071	212	16	appropriate	appropriate	ADJ
inlawrev-4071	212	17	safeguards	safeguard	NOUN
inlawrev-4071	212	18	to	to	PART
inlawrev-4071	212	19	ensure	ensure	VERB
inlawrev-4071	212	20	employees	employee	NOUN
inlawrev-4071	212	21	follow	follow	VERB
inlawrev-4071	212	22	its	its	PRON
inlawrev-4071	212	23	compliance	compliance	NOUN
inlawrev-4071	212	24	program	program	NOUN
inlawrev-4071	212	25	.	.	PUNCT
inlawrev-4071	213	1	[	[	X
inlawrev-4071	213	2	6	6	NUM
inlawrev-4071	213	3	]	]	PUNCT
inlawrev-4071	213	4	compliance	compliance	NOUN
inlawrev-4071	213	5	should	should	AUX
inlawrev-4071	213	6	be	be	AUX
inlawrev-4071	213	7	part	part	NOUN
inlawrev-4071	213	8	of	of	ADP
inlawrev-4071	213	9	the	the	DET
inlawrev-4071	213	10	performance	performance	NOUN
inlawrev-4071	213	11	evaluation	evaluation	NOUN
inlawrev-4071	213	12	and	and	CCONJ
inlawrev-4071	213	13	consequences	consequence	NOUN
inlawrev-4071	213	14	should	should	AUX
inlawrev-4071	213	15	exist	exist	VERB
inlawrev-4071	213	16	if	if	SCONJ
inlawrev-4071	213	17	there	there	PRON
inlawrev-4071	213	18	are	be	VERB
inlawrev-4071	213	19	violations	violation	NOUN
inlawrev-4071	213	20	of	of	ADP
inlawrev-4071	213	21	laws	law	NOUN
inlawrev-4071	213	22	,	,	PUNCT
inlawrev-4071	213	23	regulations	regulation	NOUN
inlawrev-4071	213	24	,	,	PUNCT
inlawrev-4071	213	25	or	or	CCONJ
inlawrev-4071	213	26	ethical	ethical	ADJ
inlawrev-4071	213	27	policies	policy	NOUN
inlawrev-4071	213	28	.	.	PUNCT
inlawrev-4071	214	1	[	[	X
inlawrev-4071	214	2	7	7	X
inlawrev-4071	214	3	]	]	X
inlawrev-4071	214	4	if	if	SCONJ
inlawrev-4071	214	5	violations	violation	NOUN
inlawrev-4071	214	6	are	be	AUX
inlawrev-4071	214	7	detected	detect	VERB
inlawrev-4071	214	8	,	,	PUNCT
inlawrev-4071	214	9	the	the	DET
inlawrev-4071	214	10	organization	organization	NOUN
inlawrev-4071	214	11	shall	shall	AUX
inlawrev-4071	214	12	have	have	VERB
inlawrev-4071	214	13	standards	standard	NOUN
inlawrev-4071	214	14	in	in	ADP
inlawrev-4071	214	15	place	place	NOUN
inlawrev-4071	214	16	to	to	PART
inlawrev-4071	214	17	achieve	achieve	VERB
inlawrev-4071	214	18	an	an	DET
inlawrev-4071	214	19	appropriate	appropriate	ADJ
inlawrev-4071	214	20	and	and	CCONJ
inlawrev-4071	214	21	timely	timely	ADJ
inlawrev-4071	214	22	response	response	NOUN
inlawrev-4071	214	23	.	.	PUNCT
inlawrev-4071	215	1	an	an	DET
inlawrev-4071	215	2	appropriate	appropriate	ADJ
inlawrev-4071	215	3	response	response	NOUN
inlawrev-4071	215	4	may	may	AUX
inlawrev-4071	215	5	include	include	VERB
inlawrev-4071	215	6	modifications	modification	NOUN
inlawrev-4071	215	7	to	to	ADP
inlawrev-4071	215	8	the	the	DET
inlawrev-4071	215	9	compliance	compliance	NOUN
inlawrev-4071	215	10	program	program	NOUN
inlawrev-4071	215	11	and	and	CCONJ
inlawrev-4071	215	12	standards	standard	NOUN
inlawrev-4071	215	13	.	.	PUNCT
inlawrev-4071	215	14	"^	"^	PUNCT
inlawrev-4071	215	15	thus	thus	ADV
inlawrev-4071	215	16	,	,	PUNCT
inlawrev-4071	215	17	the	the	DET
inlawrev-4071	215	18	sentencing	sentencing	NOUN
inlawrev-4071	215	19	guidelines	guideline	NOUN
inlawrev-4071	215	20	and	and	CCONJ
inlawrev-4071	215	21	the	the	DET
inlawrev-4071	215	22	minimum	minimum	ADJ
inlawrev-4071	215	23	criteria	criterion	NOUN
inlawrev-4071	215	24	might	might	AUX
inlawrev-4071	215	25	be	be	AUX
inlawrev-4071	215	26	useful	useful	ADJ
inlawrev-4071	215	27	,	,	PUNCT
inlawrev-4071	215	28	as	as	ADP
inlawrev-4071	215	29	a	a	DET
inlawrev-4071	215	30	guide	guide	NOUN
inlawrev-4071	215	31	and	and	CCONJ
inlawrev-4071	215	32	in	in	ADP
inlawrev-4071	215	33	conjunction	conjunction	NOUN
inlawrev-4071	215	34	with	with	ADP
inlawrev-4071	215	35	other	other	ADJ
inlawrev-4071	215	36	self	self	NOUN
inlawrev-4071	215	37	-	-	PUNCT
inlawrev-4071	215	38	regulatory	regulatory	ADJ
inlawrev-4071	215	39	mechanisms	mechanism	NOUN
inlawrev-4071	215	40	,	,	PUNCT
inlawrev-4071	215	41	in	in	ADP
inlawrev-4071	215	42	developing	develop	VERB
inlawrev-4071	215	43	and	and	CCONJ
inlawrev-4071	215	44	articulating	articulate	VERB
inlawrev-4071	215	45	a	a	DET
inlawrev-4071	215	46	self	self	NOUN
inlawrev-4071	215	47	-	-	PUNCT
inlawrev-4071	215	48	regulatory	regulatory	ADJ
inlawrev-4071	215	49	regime	regime	NOUN
inlawrev-4071	215	50	,	,	PUNCT
inlawrev-4071	215	51	one	one	NUM
inlawrev-4071	215	52	that	that	PRON
inlawrev-4071	215	53	would	would	AUX
inlawrev-4071	215	54	allow	allow	VERB
inlawrev-4071	215	55	the	the	DET
inlawrev-4071	215	56	mortgage	mortgage	NOUN
inlawrev-4071	215	57	lending	lending	NOUN
inlawrev-4071	215	58	industry	industry	NOUN
inlawrev-4071	215	59	to	to	PART
inlawrev-4071	215	60	effectively	effectively	ADV
inlawrev-4071	215	61	monitor	monitor	VERB
inlawrev-4071	215	62	its	its	PRON
inlawrev-4071	215	63	members	member	NOUN
inlawrev-4071	215	64	for	for	ADP
inlawrev-4071	215	65	unethical	unethical	ADJ
inlawrev-4071	215	66	conduct	conduct	NOUN
inlawrev-4071	215	67	and	and	CCONJ
inlawrev-4071	215	68	for	for	ADP
inlawrev-4071	215	69	activities	activity	NOUN
inlawrev-4071	215	70	that	that	PRON
inlawrev-4071	215	71	contributed	contribute	VERB
inlawrev-4071	215	72	to	to	ADP
inlawrev-4071	215	73	the	the	DET
inlawrev-4071	215	74	financial	financial	ADJ
inlawrev-4071	215	75	market	market	NOUN
inlawrev-4071	215	76	instability	instability	NOUN
inlawrev-4071	215	77	the	the	DET
inlawrev-4071	215	78	nation	nation	NOUN
inlawrev-4071	215	79	is	be	AUX
inlawrev-4071	215	80	currently	currently	ADV
inlawrev-4071	215	81	experiencing	experience	VERB
inlawrev-4071	215	82	.	.	PUNCT
inlawrev-4071	216	1	in	in	ADP
inlawrev-4071	216	2	conclusion	conclusion	NOUN
inlawrev-4071	216	3	,	,	PUNCT
inlawrev-4071	216	4	self	self	NOUN
inlawrev-4071	216	5	-	-	PUNCT
inlawrev-4071	216	6	regulation	regulation	NOUN
inlawrev-4071	216	7	of	of	ADP
inlawrev-4071	216	8	its	its	PRON
inlawrev-4071	216	9	practices	practice	NOUN
inlawrev-4071	216	10	by	by	ADP
inlawrev-4071	216	11	the	the	DET
inlawrev-4071	216	12	mortgage	mortgage	NOUN
inlawrev-4071	216	13	lending	lending	NOUN
inlawrev-4071	216	14	industry	industry	NOUN
inlawrev-4071	216	15	should	should	AUX
inlawrev-4071	216	16	be	be	AUX
inlawrev-4071	216	17	considered	consider	VERB
inlawrev-4071	216	18	as	as	ADP
inlawrev-4071	216	19	part	part	NOUN
inlawrev-4071	216	20	of	of	ADP
inlawrev-4071	216	21	the	the	DET
inlawrev-4071	216	22	"	"	PUNCT
inlawrev-4071	216	23	dramatic	dramatic	ADJ
inlawrev-4071	216	24	action'"^^	action'"^^	NOUN
inlawrev-4071	216	25	that	that	PRON
inlawrev-4071	216	26	has	have	AUX
inlawrev-4071	216	27	been	be	AUX
inlawrev-4071	216	28	necessitated	necessitate	VERB
inlawrev-4071	216	29	by	by	ADP
inlawrev-4071	216	30	the	the	DET
inlawrev-4071	216	31	financial	financial	ADJ
inlawrev-4071	216	32	crisis	crisis	NOUN
inlawrev-4071	216	33	in	in	ADP
inlawrev-4071	216	34	this	this	DET
inlawrev-4071	216	35	country	country	NOUN
inlawrev-4071	216	36	and	and	CCONJ
inlawrev-4071	216	37	around	around	ADP
inlawrev-4071	216	38	the	the	DET
inlawrev-4071	216	39	globe	globe	NOUN
inlawrev-4071	216	40	.	.	PUNCT
inlawrev-4071	217	1	in	in	ADP
inlawrev-4071	217	2	many	many	ADJ
inlawrev-4071	217	3	sectors	sector	NOUN
inlawrev-4071	217	4	,	,	PUNCT
inlawrev-4071	217	5	self	self	NOUN
inlawrev-4071	217	6	-	-	PUNCT
inlawrev-4071	217	7	regulation	regulation	NOUN
inlawrev-4071	217	8	and	and	CCONJ
inlawrev-4071	217	9	codes	code	NOUN
inlawrev-4071	217	10	of	of	ADP
inlawrev-4071	217	11	conduct	conduct	NOUN
inlawrev-4071	217	12	are	be	AUX
inlawrev-4071	217	13	increasingly	increasingly	ADV
inlawrev-4071	217	14	popular	popular	ADJ
inlawrev-4071	217	15	and	and	CCONJ
inlawrev-4071	217	16	42	42	NUM
inlawrev-4071	217	17	.	.	PUNCT
inlawrev-4071	218	1	see	see	VERB
inlawrev-4071	218	2	u.s	u.s	PROPN
inlawrev-4071	218	3	.	.	PROPN
inlawrev-4071	218	4	sentencing	sentencing	PROPN
inlawrev-4071	218	5	commission	commission	PROPN
inlawrev-4071	218	6	,	,	PUNCT
inlawrev-4071	218	7	guidelines	guideline	NOUN
inlawrev-4071	218	8	manual	manual	NOUN
inlawrev-4071	218	9	§	§	PROPN
inlawrev-4071	218	10	8b2	8b2	NUM
inlawrev-4071	218	11	.	.	PROPN
inlawrev-4071	218	12	1	1	NUM
inlawrev-4071	218	13	(	(	PUNCT
inlawrev-4071	218	14	2009	2009	NUM
inlawrev-4071	218	15	)	)	PUNCT
inlawrev-4071	218	16	.	.	PUNCT
inlawrev-4071	219	1	43	43	NUM
inlawrev-4071	219	2	.	.	PUNCT
inlawrev-4071	220	1	murphy	murphy	PROPN
inlawrev-4071	220	2	,	,	PUNCT
inlawrev-4071	220	3	5wpra	5wpra	PROPN
inlawrev-4071	220	4	note	note	NOUN
inlawrev-4071	220	5	38	38	NUM
inlawrev-4071	220	6	,	,	PUNCT
inlawrev-4071	220	7	at	at	ADP
inlawrev-4071	220	8	703	703	NUM
inlawrev-4071	220	9	.	.	PUNCT
inlawrev-4071	220	10	44	44	NUM
inlawrev-4071	220	11	.	.	PUNCT
inlawrev-4071	221	1	u.s	u.s	PROPN
inlawrev-4071	221	2	.	.	PROPN
inlawrev-4071	221	3	sentencing	sentencing	NOUN
inlawrev-4071	221	4	commission	commission	PROPN
inlawrev-4071	221	5	,	,	PUNCT
inlawrev-4071	221	6	supra	supra	PROPN
inlawrev-4071	221	7	note	note	NOUN
inlawrev-4071	221	8	39	39	NUM
inlawrev-4071	221	9	,	,	PUNCT
inlawrev-4071	221	10	§	§	PROPN
inlawrev-4071	221	11	8b2	8b2	NUM
inlawrev-4071	221	12	.	.	NOUN
inlawrev-4071	221	13	1	1	NUM
inlawrev-4071	221	14	.	.	X
inlawrev-4071	221	15	45	45	NUM
inlawrev-4071	221	16	.	.	PUNCT
inlawrev-4071	222	1	timothy	timothy	PROPN
inlawrev-4071	222	2	f.	f.	PROPN
inlawrev-4071	222	3	geithner	geithner	PROPN
inlawrev-4071	222	4	,	,	PUNCT
inlawrev-4071	222	5	president	president	NOUN
inlawrev-4071	222	6	&	&	CCONJ
inlawrev-4071	222	7	chief	chief	ADJ
inlawrev-4071	222	8	executive	executive	ADJ
inlawrev-4071	222	9	officer	officer	NOUN
inlawrev-4071	222	10	of	of	ADP
inlawrev-4071	222	11	the	the	DET
inlawrev-4071	222	12	fed	fed	PROPN
inlawrev-4071	222	13	.	.	PUNCT
inlawrev-4071	223	1	reserve	reserve	PROPN
inlawrev-4071	223	2	bank	bank	PROPN
inlawrev-4071	223	3	of	of	ADP
inlawrev-4071	223	4	n.y	n.y	PROPN
inlawrev-4071	223	5	.	.	PROPN
inlawrev-4071	223	6	,	,	PUNCT
inlawrev-4071	223	7	remarks	remark	VERB
inlawrev-4071	223	8	at	at	ADP
inlawrev-4071	223	9	the	the	DET
inlawrev-4071	223	10	economic	economic	ADJ
inlawrev-4071	223	11	club	club	NOUN
inlawrev-4071	223	12	of	of	ADP
inlawrev-4071	223	13	new	new	PROPN
inlawrev-4071	223	14	york	york	PROPN
inlawrev-4071	223	15	,	,	PUNCT
inlawrev-4071	223	16	reducing	reduce	VERB
inlawrev-4071	223	17	systemic	systemic	ADJ
inlawrev-4071	223	18	risk	risk	NOUN
inlawrev-4071	223	19	in	in	ADP
inlawrev-4071	223	20	a	a	DET
inlawrev-4071	223	21	dynamic	dynamic	ADJ
inlawrev-4071	223	22	fz>7««c	fz>7««c	NOUN
inlawrev-4071	223	23	/	/	SYM
inlawrev-4071	223	24	a/5>'5?ew	a/5>'5?ew	PROPN
inlawrev-4071	223	25	,	,	PUNCT
inlawrev-4071	223	26	av<3f//a6	av<3f//a6	PROPN
inlawrev-4071	223	27	/	/	SYM
inlawrev-4071	223	28	eaf	eaf	PROPN
inlawrev-4071	223	29	http://www.newyorkfed.org/newsevents/speeches/2008/tfg080609	http://www.newyorkfed.org/newsevents/speeches/2008/tfg080609	PROPN
inlawrev-4071	223	30	.	.	PUNCT
inlawrev-4071	224	1	html	html	NOUN
inlawrev-4071	224	2	(	(	PUNCT
inlawrev-4071	224	3	discussing	discuss	VERB
inlawrev-4071	224	4	the	the	DET
inlawrev-4071	224	5	role	role	NOUN
inlawrev-4071	224	6	of	of	ADP
inlawrev-4071	224	7	financial	financial	ADJ
inlawrev-4071	224	8	innovation	innovation	NOUN
inlawrev-4071	224	9	in	in	ADP
inlawrev-4071	224	10	contributing	contribute	VERB
inlawrev-4071	224	11	to	to	ADP
inlawrev-4071	224	12	the	the	DET
inlawrev-4071	224	13	global	global	ADJ
inlawrev-4071	224	14	financial	financial	ADJ
inlawrev-4071	224	15	crisis	crisis	NOUN
inlawrev-4071	224	16	)	)	PUNCT
inlawrev-4071	224	17	.	.	PUNCT
inlawrev-4071	225	1	20	20	NUM
inlawrev-4071	225	2	1	1	NUM
inlawrev-4071	225	3	0	0	NUM
inlawrev-4071	225	4	]	]	PUNCT
inlawrev-4071	225	5	women	woman	NOUN
inlawrev-4071	225	6	and	and	CCONJ
inlawrev-4071	225	7	subprime	subprime	NOUN
inlawrev-4071	225	8	lending	lending	NOUN
inlawrev-4071	225	9	1	1	NUM
inlawrev-4071	225	10	227	227	NUM
inlawrev-4071	225	11	implemented	implement	VERB
inlawrev-4071	225	12	as	as	ADP
inlawrev-4071	225	13	part	part	NOUN
inlawrev-4071	225	14	of	of	ADP
inlawrev-4071	225	15	a	a	DET
inlawrev-4071	225	16	process	process	NOUN
inlawrev-4071	225	17	of	of	ADP
inlawrev-4071	225	18	establishing	establish	VERB
inlawrev-4071	225	19	high	high	ADJ
inlawrev-4071	225	20	standards	standard	NOUN
inlawrev-4071	225	21	and	and	CCONJ
inlawrev-4071	225	22	meeting	meet	VERB
inlawrev-4071	225	23	them	they	PRON
inlawrev-4071	225	24	.	.	PUNCT
inlawrev-4071	226	1	this	this	DET
inlawrev-4071	226	2	essay	essay	NOUN
inlawrev-4071	226	3	is	be	AUX
inlawrev-4071	226	4	part	part	NOUN
inlawrev-4071	226	5	of	of	ADP
inlawrev-4071	226	6	a	a	DET
inlawrev-4071	226	7	dialogue	dialogue	NOUN
inlawrev-4071	226	8	about	about	ADP
inlawrev-4071	226	9	the	the	DET
inlawrev-4071	226	10	role	role	NOUN
inlawrev-4071	226	11	of	of	ADP
inlawrev-4071	226	12	self	self	NOUN
inlawrev-4071	226	13	-	-	PUNCT
inlawrev-4071	226	14	regulation	regulation	NOUN
inlawrev-4071	226	15	in	in	ADP
inlawrev-4071	226	16	improving	improve	VERB
inlawrev-4071	226	17	mortgage	mortgage	NOUN
inlawrev-4071	226	18	-	-	PUNCT
inlawrev-4071	226	19	lending	lending	NOUN
inlawrev-4071	226	20	practices	practice	NOUN
inlawrev-4071	226	21	,	,	PUNCT
inlawrev-4071	226	22	nationally	nationally	ADV
inlawrev-4071	226	23	,	,	PUNCT
inlawrev-4071	226	24	and	and	CCONJ
inlawrev-4071	226	25	affording	afford	VERB
inlawrev-4071	226	26	greater	great	ADJ
inlawrev-4071	226	27	protections	protection	NOUN
inlawrev-4071	226	28	to	to	ADP
inlawrev-4071	226	29	groups	group	NOUN
inlawrev-4071	226	30	made	make	VERB
inlawrev-4071	226	31	vulnerable	vulnerable	ADJ
inlawrev-4071	226	32	to	to	ADP
inlawrev-4071	226	33	steering	steering	NOUN
inlawrev-4071	226	34	and	and	CCONJ
inlawrev-4071	226	35	other	other	ADJ
inlawrev-4071	226	36	forms	form	NOUN
inlawrev-4071	226	37	of	of	ADP
inlawrev-4071	226	38	mortgage	mortgage	NOUN
inlawrev-4071	226	39	lending	lending	NOUN
inlawrev-4071	226	40	discrimination	discrimination	NOUN
inlawrev-4071	226	41	.	.	PUNCT
inlawrev-4071	227	1	i	i	PRON
inlawrev-4071	227	2	hope	hope	VERB
inlawrev-4071	227	3	this	this	DET
inlawrev-4071	227	4	essay	essay	NOUN
inlawrev-4071	227	5	becomes	become	VERB
inlawrev-4071	227	6	part	part	NOUN
inlawrev-4071	227	7	of	of	ADP
inlawrev-4071	227	8	a	a	DET
inlawrev-4071	227	9	broader	broad	ADJ
inlawrev-4071	227	10	discussion	discussion	NOUN
inlawrev-4071	227	11	about	about	ADP
inlawrev-4071	227	12	how	how	SCONJ
inlawrev-4071	227	13	to	to	PART
inlawrev-4071	227	14	develop	develop	VERB
inlawrev-4071	227	15	,	,	PUNCT
inlawrev-4071	227	16	implement	implement	VERB
inlawrev-4071	227	17	,	,	PUNCT
inlawrev-4071	227	18	monitor	monitor	NOUN
inlawrev-4071	227	19	,	,	PUNCT
inlawrev-4071	227	20	and	and	CCONJ
inlawrev-4071	227	21	effectively	effectively	ADV
inlawrev-4071	227	22	assess	assess	VERB
inlawrev-4071	227	23	self	self	NOUN
inlawrev-4071	227	24	-	-	PUNCT
inlawrev-4071	227	25	regulatory	regulatory	ADJ
inlawrev-4071	227	26	programs	program	NOUN
inlawrev-4071	227	27	in	in	ADP
inlawrev-4071	227	28	the	the	DET
inlawrev-4071	227	29	mortgage	mortgage	NOUN
inlawrev-4071	227	30	lending	lending	NOUN
inlawrev-4071	227	31	industry	industry	NOUN
inlawrev-4071	227	32	.	.	PUNCT