Bankers' hopes of cross-selling banking and insurance products under the financial reform law could hang in the balance, some insurance experts say, as state insurance commissioners begin to debate privacy rules next week in Kansas City, Mo.

Regulation in the insurance industry is more fragmented than in the banking industry. That means banking companies could win lenient rules from their regulators for sharing information about banking customers and still face state rules that block cross-selling to customers of insurance companies.

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