On-line marketing can pave the way to greater revenue, but now that anyone can access on-line services nationwide, regional banks need to know how to advertise their services without running afoul of state laws.

In many states insurance product advertising requires regulatory approval, says Phil Corwin, a Washington, D.C.-based lobbyist. "Banks should be careful about stating where they are physically located, what types of products they sell and issuing appropriate disclaimers," he says.

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