WASHINGTON — A former top U.S. banking regulator said Thursday that he expects Congress to lift the traditional nationwide cap on bank deposits that has kept the nation’s largest banks from getting larger.

Eugene Ludwig, Comptroller of the Currency under President Bill Clinton and a leading banking reformer, told analysts at Prudential Securities’ regulatory forum he expects the 10% limit on bank deposits to disappear in the next couple of years.

The comment was among a series of predictions by Mr. Ludwig in remarks about the future of bank regulation and convergence. He also said he believes Congress will consider removing the longstanding barrier between commerce and banking, which could allow banks to get into related businesses, such as real estate.

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