When Eugene A. Ludwig has a question about derivatives, he turns to Douglas E. Harris. And in his first year as comptroller of the currency, Mr. Ludwig has had plenty of derivatives questions.

Recruited from J.P. Morgan & Co. about a year ago, Mr. Harris has filled a void for the agency. A banker with experience in the fast-changing derivatives market, Mr. Harris, 43, brings a real-world perspective to the agencies, which are often is criticized by bankers for being out of touch.

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