WASHINGTON - Lawmakers return to Capitol Hill today after a monthlong vacation to punch the clock for their final month of business this year, and banking industry lobbyists are scrambling to salvage some victories out of this lackluster session.

The industry's top priorities are bankruptcy reform, expansion of individual retirement accounts, more open trade with China, and legislation that would protect their multitrillion-dollar swaps contracts from government red tape. The industry's only major successes in 2000 so far are enactment of the digital signature law and emergency farm relief.

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