As he ends an extraordinary five-year term as Comptroller of the Currency today, Eugene A. Ludwig makes no apologies for expanding bank powers or goading the industry into more community-based lending.

In an interview, Mr. Ludwig shrugged off criticism leveled by lawmakers who think he repeatedly exceeded his authority, pointing out that the Supreme Court has upheld in four unanimous rulings his decisions affecting bank sales of annuities, insurance, and other products.

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