"Forum-shopping" is a common practice among lawyers. When filing lawsuits, they try to get their cases in the most favorable court and before the most favorable judge. In today's financial environment, national banks need to think about "forum shopping" themselves.

Would a national bank be better off if it became a state chartered bank? Yes. National banks can find a better "forum" under the Federal Deposit Insurance Corp. and state regulators, for five compelling reasons:

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