INTEREST RATE RISK: Regulators continue to grapple with plans to incorporate interest rate risk in risk-based capital. Seventeen months ago, the three banking agencies published a proposal. It was pounded by the industry.

The agencies long ago missed the June 1993 deadline set by the FDIC Improvement Act for final action. Because they cannot agree on how to proceed, the agencies are considering issuing a revised proposal this month. That would probably add months to the process, as comments would be solicited and then analyzed.

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