ELECTRONIC PAYMENTS: A proposal by the Treasury Department that the government follow most of the banking industry's rules for electronic payments via the automated clearing house network. Published Feb. 4. Comments due May 4.

MERGER APPLICATIONS: Proposal by the banking and thrift regulators to develop a uniform application for bank mergers that would simplify paperwork when approvals are required from more than one agency. Published Jan. 21. Comments due March 23.

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