WASHINGTON — Two days after a top lawmaker accused his agency of flouting the law to give national banks an unfair advantage, Comptroller of the Currency John D. Hawke Jr. denied it — and fired back that actually the regulatory system is skewed against national banks.

In a speech before the Exchequer Club on Wednesday, Mr. Hawke said unfairly forcing national banks to subsidize the examination fees of state banks makes the national charter less attractive and endangers the health of the dual banking system. After the speech he addressed concerns raised by House Banking Committee Chairman Jim Leach, who on Monday called for an independent investigation of a decision by the Comptroller’s Office to let four national banks hold stock in public companies as a hedge against equity swaps and in other limited circumstances.

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