WASHINGTON - For national banks with complaints about regulators, Samuel P. Golden is the man to see. He is the ombudsman for the Office of the Comptroller of the Currency, reporting directly to Eugene A. Ludwig, the agency's head. With Mr. Ludwig's concurrence, he has the power to overrule any agency decision. The Houston-based appeals officer, who has 20 years of experience as an examiner, passes on to Washington criticisms he hears and some potential solutions to technical matters.

Q.: What are the horror stories bankers tell you about communications problems between banks and examiners?

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