%PDF-1.4
%
1 0 obj
<<
/Type /Catalog
/Pages 2 0 R
/StructTreeRoot 3 0 R
/Metadata 4 0 R
/MarkInfo 5 0 R
>>
endobj
6 0 obj
<<
/ModDate (D:20150918145213Z)
/Producer (3-Heights\(TM\) PDF Security Shell 4.5.24.1 \(http://www.pdf-tools.com\) / pdcat \(www.pdf-tools.com\))
/Title <54686520436F6E73756D65722046696E616E6369616C2050726F74656374696F6E204275726561759073204172626974726174696F6E2053747564793A20412053756D6D61727920616E64204372697469717565>
/Author (Jason Scott Johnston and Todd Zywicki)
/Subject (Consumer Financial Protection Bureau)
/Creator (Acrobat 11.0.12)
/CreationDate (D:20150917155014-04'00')
>>
endobj
2 0 obj
<<
/Type /Pages
/Kids [7 0 R 8 0 R]
/Count 59
>>
endobj
3 0 obj
<<
/K 9 0 R
/ParentTree 10 0 R
/ParentTreeNextKey 4
/RoleMap 11 0 R
/Type /StructTreeRoot
>>
endobj
4 0 obj
<<
/Length 1810
/Type /Metadata
/Subtype /XML
>>
stream
2015-09-17T15:50:14-04:00
2015-09-18T14:52:13Z
Acrobat 11.0.12
2015-09-18T14:52:13Z
application/pdf
The Consumer Financial Protection Bureau’s Arbitration Study: A Summary and Critique
Consumer Financial Protection Bureau
Jason Scott Johnston and Todd Zywicki
uuid:fb20a9c0-a413-4754-9341-d7fb65801b3d
urn:uuid:E7766116-093C-4835-B022-8239E65230BB
3-Heights(TM) PDF Security Shell 4.5.24.1 (http://www.pdf-tools.com)
1.6
endstream
endobj
5 0 obj
<<
/Marked false
>>
endobj
7 0 obj
<<
/Type /Page
/CropBox [0 0 612 792]
/MediaBox [0 0 612 792]
/Rotate 0
/Resources <<
/ColorSpace <<
/CS0 [/ICCBased 12 0 R]
/CS1 [/ICCBased 13 0 R]
>>
/Font <<
/TT0 14 0 R
/TT1 15 0 R
/TT2 16 0 R
/TT3 17 0 R
/TT4 18 0 R
/F6 19 0 R
/F7 20 0 R
>>
/ExtGState <<
/GS0 21 0 R
/gs2 22 0 R
/gs3 23 0 R
>>
/XObject <<
/X0 24 0 R
>>
>>
/Contents [25 0 R 26 0 R 27 0 R 28 0 R 29 0 R]
/Annots [30 0 R 31 0 R 32 0 R]
/StructParents 0
/Tabs /S
/Parent 2 0 R
>>
endobj
8 0 obj
<<
/Type /Pages
/Count 58
/Kids [33 0 R 34 0 R 35 0 R]
/Parent 2 0 R
>>
endobj
9 0 obj
<<
/K [36 0 R 37 0 R 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R 43 0 R 44 0 R 45 0 R
46 0 R 47 0 R 48 0 R 49 0 R 50 0 R 51 0 R 52 0 R 53 0 R 54 0 R 55 0 R
56 0 R 57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 64 0 R 65 0 R
66 0 R 67 0 R 68 0 R 69 0 R]
/P 3 0 R
/S /Sect
>>
endobj
10 0 obj
<<
/Nums [0 [36 0 R 37 0 R 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R 44 0 R 45 0 R 46 0 R
47 0 R 48 0 R 49 0 R 50 0 R 51 0 R 52 0 R 53 0 R 54 0 R 55 0 R 56 0 R
57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 70 0 R 63 0 R 64 0 R
65 0 R 66 0 R 67 0 R 68 0 R 71 0 R 68 0 R 69 0 R 72 0 R 69 0 R 43 0 R]
1 70 0 R 2 71 0 R 3 72 0 R]
>>
endobj
11 0 obj
<<
/Annotation /Span
/Artifact /P
/Bibliography /BibEntry
/Chart /Figure
/Diagram /Figure
/DropCap /Figure
/Endnote /Note
/Footnote /Note
/InlineShape /Figure
/Outline /Span
/Strikeout /Span
/Subscript /Span
/Superscript /Span
/TextBox /Art
/Underline /Span
>>
endobj
12 0 obj
<<
/Length 2574
/Filter /FlateDecode
/N 3
>>
stream
HyTSwoɞc
[5laQIBHADED2mtFOE.c}088GNg9w߽ '0 ֠Jb
2y.-;!KZ ^i"L0-
@8(r;q7Ly&Qq4j|9
V)gB0iW8#8wթ8_٥ʨQQj@&A)/g>'K t;\
ӥ$պFZUn(4T%)뫔0C&Zi8bxEB;Pӓ̹Aom?W=
x- [ 0}y)7ta>jT7@tܛ`q2ʀ&6ZLĄ?_yxg)˔zçLU*uSkSeO4?c. R
߁-25 S>ӣVd`rn~Y&+`;A4 A9 =-tl`;~p Gp| [`L`< "AYA+Cb(R, *T2B-
ꇆnQt}MA0alSx k&^>0|>_',G!"F$H:R!zFQd?r9\A&GrQhE]a4zBgE#H *B=0HIpp0MxJ$D1D, VĭKĻYdE"EI2EBGt4MzNr!YK ?%_(0J:EAiQ(()ӔWT6U@P+!~mDeԴ!hӦh/']B/ҏӿ?a0nhF!X8܌kc&5S6lIa2cKMA!E#ƒdV(kel
}}Cq9
N')].uJr
wG xR^[oƜchg`>b$*~ :Eb~,m,-ݖ,Y¬*6X[ݱF=3뭷Y~dó tizf6~`{v.Ng#{}}jc1X6fm;'_9 r:8q:˜O:ϸ8uJqnv=MmR 4
n3ܣkGݯz=[==<=GTB(/S,]6*-W:#7*e^YDY}UjAyT`#D="b{ų+ʯ:!kJ4Gmt}uC%K7YVfFY.=b?SƕƩȺy
چk5%4m7lqlioZlG+Zzmzy]?uuw|"űNwW&e֥ﺱ*|j5kyݭǯg^ykEklD_p߶7Dmo꿻1ml{Mś
nLl<9O [$h՛BdҞ@iءG&vVǥ8nRĩ7u\ЭD- u`ֲK³8%yhYѹJº;.!
zpg_XQKFAǿ=ȼ:ɹ8ʷ6˶5̵5͵6ζ7ϸ9к<Ѿ?DINU\dlvۀ܊ݖޢ)߯6DScs
2F[p(@Xr4Pm8Ww)Km
endstream
endobj
13 0 obj
<<
/Length 216
/Filter /FlateDecode
/N 1
>>
stream
Hb``$WR~|@T#2S/`M.(*(%8H8c-
fԉd9@6_IjH9(3=DR1%?)U!$5X3/9 ($5j%V*'&*r" (,!!0b;CҢ2(ɘ I8/
endstream
endobj
14 0 obj
<<
/BaseFont /IVGMKC+Cambria-Bold
/Encoding /WinAnsiEncoding
/FirstChar 32
/FontDescriptor 73 0 R
/LastChar 121
/Subtype /TrueType
/ToUnicode 74 0 R
/Type /Font
/Widths [220 0 0 0 0 0 0 251 0 0
0 0 0 0 0 0 592 592 592 0
0 592 0 0 0 0 280 0 0 0
0 0 0 652 651 573 0 0 551 0
0 0 0 0 551 0 0 0 614 0
0 513 639 676 634 0 0 0 0 0
0 0 0 0 0 535 591 469 597 531
326 520 597 314 0 0 308 890 604 569
597 591 461 459 365 597 531 798 0 531]
>>
endobj
15 0 obj
<<
/BaseFont /DQTISM+Cambria
/Encoding /WinAnsiEncoding
/FirstChar 32
/FontDescriptor 75 0 R
/LastChar 121
/Subtype /TrueType
/ToUnicode 76 0 R
/Type /Font
/Widths [220 0 0 0 0 0 0 0 0 0
0 0 0 332 205 0 554 554 554 0
554 554 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 575 0 611
0 0 307 0 537 815 0 0 568 0
621 496 593 648 604 0 0 0 538 0
0 0 0 0 0 488 547 441 555 488
303 494 552 278 0 524 271 832 558 531
556 0 414 430 338 552 504 774 0 504]
>>
endobj
16 0 obj
<<
/BaseFont /WDCSYA+Cambria-Italic
/Encoding /WinAnsiEncoding
/FirstChar 32
/FontDescriptor 77 0 R
/LastChar 117
/Subtype /TrueType
/ToUnicode 78 0 R
/Type /Font
/Widths [220 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 792 0 0 555 0
0 0 0 0 0 896 0 0 0 0
0 0 0 0 0 526 0 433 0 457
0 522 0 271 0 497 0 0 535 507
527 0 407 382 345 535]
>>
endobj
17 0 obj
<<
/BaseFont /ArialMT
/Encoding /WinAnsiEncoding
/FirstChar 0
/FontDescriptor 79 0 R
/LastChar 255
/Subtype /TrueType
/Type /Font
/Widths [750 750 750 750 750 750 750 750 750 750
750 750 750 750 750 750 750 750 750 750
750 750 750 750 750 750 750 750 750 750
750 750 278 278 355 556 556 889 667 191
333 333 389 584 278 333 278 278 556 556
556 556 556 556 556 556 556 556 278 278
584 584 584 556 1015 667 667 722 722 667
611 778 722 278 500 667 556 833 722 778
667 778 722 667 611 722 667 944 667 667
611 278 278 278 469 556 333 556 556 500
556 556 278 556 556 222 222 500 222 833
556 556 556 556 333 500 278 556 500 722
500 500 500 334 260 334 584 350 556 350
222 556 333 1000 556 556 333 1000 667 333
1000 350 611 350 350 222 222 333 333 350
556 1000 333 1000 500 333 944 350 500 667
278 333 556 556 556 556 260 556 333 737
370 556 584 333 737 552 400 549 333 333
333 576 537 333 333 333 365 556 834 834
834 611 667 667 667 667 667 667 1000 722
667 667 667 667 278 278 278 278 722 722
778 778 778 778 778 584 778 722 722 722
722 667 667 611 556 556 556 556 556 556
889 500 556 556 556 556 278 278 278 278
556 556 556 556 556 556 556 549 611 556
556 556 556 500 556 500]
>>
endobj
18 0 obj
<<
/BaseFont /QUFISM+Calibri
/Encoding /WinAnsiEncoding
/FirstChar 32
/FontDescriptor 80 0 R
/LastChar 32
/Subtype /TrueType
/ToUnicode 81 0 R
/Type /Font
/Widths [226]
>>
endobj
19 0 obj
<<
/Type /Font
/Subtype /Type1
/BaseFont /Helvetica
/Encoding /WinAnsiEncoding
>>
endobj
20 0 obj
<<
/Type /Font
/Subtype /Type1
/BaseFont /Helvetica
/Encoding /WinAnsiEncoding
>>
endobj
21 0 obj
<<
/AIS false
/BM /Normal
/CA 1
/OP false
/OPM 1
/SA true
/SMask /None
/Type /ExtGState
/ca 1
/op false
>>
endobj
22 0 obj
<<
/Type /ExtGState
/ca 1.0
/CA 1.0
/LW 3.0
>>
endobj
23 0 obj
<<
/Type /ExtGState
/ca 1.0
/CA 1.0
/LW 3.0
>>
endobj
24 0 obj
<<
/Length 9136
/BitsPerComponent 8
/ColorSpace [/ICCBased 12 0 R]
/Filter /DCTDecode
/Height 252
/Name /X
/Subtype /Image
/Type /XObject
/Width 421
>>
stream
Adobe d
'$''''$25552;;;;;;;;;;
####''',,,
####''',,, "
w 5T!16rt"2AQRUaqs#%Bb
$&'()*34789:CDEFGHIJSVWXYZcdefghijuvwxyz BQ!1q"ARa
#$%&'()*23456789:CDEFGHIJSTUVWXYZbcdefghijrstuvwxyz ? @ UDeQmd>,8RU49 е@ \C--%xI*L{q
4\R1