WASHINGTON — With financial regulatory policy a major issue in an election year, topics like a pending mortgage settlement and the Consumer Financial Protection Bureau could get strong billing in Tuesday's State of Union.

President Obama's address comes as federal officials and state attorneys general move closer to settling with big banks over foreclosure problems. The speech is also scheduled just weeks after Obama made the controversial recess appointment of Richard Cordray to run the consumer bureau, inserting the CFPB as a potential election issue.

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