Bankers trying to root out lending discrimination in their ranks are being told by federal regulators to use testers posing as customers as a means of identifying specific problems.

That's not a bad idea in Maryland, which has a new law that protects the confidentiality of such data. But it might not be such a hot one in the other 49 states, according to Steven I. Zeisel, general counsel for the Consumer Bankers Association.

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