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	mads.xsd"><authority><topic authority="https://adm.senado.leg.br/vcb/vocab/">Penhor</topic></authority><related type="narrower"><topic>Penhor agrícola</topic></related><related type="narrower"><topic>Penhor legal</topic></related><related type="narrower"><topic>Penhor mercantil</topic></related><related type="other"><topic>Crédito pignoratício</topic></related><related type="other"><topic>Devedor</topic></related><related type="other"><topic>Hipoteca</topic></related><related type="other"><topic>Penhora</topic></related><related type="broader"><topic>Direitos reais</topic></related><related type="broader"><topic>Garantia real</topic></related><related type="broader"><topic>Contrato comercial</topic></related><variant type="other"><topic>Penhor (direito civil)</topic></variant></mads>