BANK POWERS: The Comptroller's office is still reviewing comment letters submitted by Jan. 28 on its plan to let national banks conduct new activities through subsidiaries. Currently, nonbank products and services are offered through holding company subsidiaries, not bank units. Proposed Nov. 29.

INTEREST RATE RISK: Regulators continue to grapple with plans to incorporate interest rate risk in risk-based capital standards. Seventeen months ago, the three banking agencies published a proposal that was pounded by the industry. Because they cannot agree on a new plan, the agencies are considering issuing a revised proposal.

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