As an attorney with numerous banking clients, Charles M. Horn is paid to wade through the conflicting court cases that overshadow the commercial banking industry's efforts to sell insurance products.

In this article, Mr. Horn, a partner in the Washington office of Chicago-based Mayer, Brown & Platt, explains how two recent federal appeals courts rendered diametrically opposed conclusions on whether federal law giving banks leeway to sell insurance products should supersede state law.

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