Boca Raton, Fla. — Forget the four-letter dirty words. It's the 10-letter one — regulation — that will really offend bankers.

U.S. Bancorp chief executive Richard Davis and Citizens Republic Bancorp Inc. chief executive Cathleen Nash took a run at one of their industry's least-favorite topics on Tuesday, urging retail bankers to be proactive in dealing with new regulations.

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