In Washington, the home of diplomatic scheming and bitter debate, few people have no enemies. James McLaughlin, director of regulatory affairs for the American Bankers Association, seems to be one of these few.

With his arching eyebrows and bald crown, Mr. McLaughlin looks vaguely like Jack Nicholson as Jimmy Hoffa in "Hoffa." But unlike the corrupt teamster, Mr. McLaughlin's speech is friendly and humorous, his smile is winning, and his motives are, by all accounts, straightforward and honest.

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