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This is a log of an email conversation between Michael and Dave McComb (Unlicensed). 

I used an example of digital assets because I did not have an easy to understand example from finance.

Michael to Dave:

Lynn and I were talking about how to model contact information for HMDA reports sent from lending institutions to regularotry bodies about loans.  Lots of things can have a need to point to contact information in for various reasons. e.g. the HMDA report wants a contact person and a contact organization.  Contact information is a generic concept across many industries and contexts.  It came up in recent work on digital assets, there needs to be a way to contact someone to license the asset.  There are different ways to model contact information.

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