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.

RECOURSE II: Another forever-in-the-works regulation. The agencies are trying to decide how much capital banks should have to hold against assets sold with recourse. A two-tier proposal was issued for comment May 26. Comments were due July 25. Though the agencies regularly discuss the issue, no consensus has developed.

PREMIUM BASE: The FDIC has taken the first step - an advance notice of proposed rulemaking - toward changing the way it calculates how much institutions should pay for deposit insurance. The proposal seeks ideas for adding other liabilities to the domestic deposits that now make up the assessment base or for converting the base to assets. Narrower changes that have been suggested include eliminating the current float and measuring domestic deposits by quarterly average. Published Oct. 5; comments were due Feb. 2.

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