THE COMMUNITY Reinvestment Act and interstate branching, the 800-pound gorillas of Washington banking policy, don't register on the public opinion meter.

Both CRA and interstate banking are favored by pluralities of the banking public, according to the American Banker consumer survey. But those numbers are overwhelmed by the number of people holding no opinion: 64% on CRA and 54% on branching. "It's a big yawn," said Kenneth A. Guenther, executive vice president of the Independent Bankers Association of America.

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