WASHINGTON - After years of waiting, bankers are optimistic that Congress will finally restore some luster to individual retirement accounts.

The Senate Finance Committee has approved legislation that would significantly increase the number of people who can qualify for tax-free IRAs. Singles with annual incomes of $85,000 a year and couples making up to $100,000 would deposit up to $2,000 tax-free in an IRA. The income caps currently are $25,000 for individuals and $40,000 for couples.

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