The comptroller of the Currency is greatly expanding the universe of national banks that can make small business or farm loans without the documentation that ordinarily is required.

At President Clinton's urging, all the regulatory agencies decided in March to allow well-capitalized banks and thrifts with good managers - those with Camel ratings of 1 or 2 - to make a certain amount of small-business or agricultural loans that cannot be criticized by examiners if they lack the usual paperwork.

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