WASHINGTON — Lawmakers returning from Easter recess this week will tackle a host of reforms that could influence the future of banking, including stiffer mortgage laws, broader bankruptcy privileges and reining in "too big to fail" institutions.

The financial services industry remains largely stuck on the defensive, with only one clear legislative target designed to bring some relief: a bill that would reduce a planned premium assessment by at least half by increasing the Federal Deposit Insurance Corp.'s borrowing authority.

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