Julie L. Williams is Gene Ludwig's favorite lawyer. She's just been promoted by the comptroller of the currency to be the agency's chief counsel; the job is hers Aug. 1.

Mr. Ludwig hired Ms. Williams away from the Office of Thrift Supervision after he took office in May 1993. For the last year, she has spearheaded the comptroller's campaign to revamp rules so they are easier to understand and follow.

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