When the House Republican leadership agreed to shackle the Comptroller of the Currency - at least on the insurance issue - it looked like an easy call for bank lobbyists. They would oppose any bill, including the all- important regulatory relief package, that contained the so-called Comptroller's moratorium.

"We have severe problems with this," said an angry Kenneth A. Guenther, after Republican leaders agreed to amend the regulatory relief bill to include language barring the Comptroller from approving new insurance powers.

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