INTERSTATE: The three banking agencies have adopted a rule requiring branches of out-of-state banks to lend at least half as much as the average home-state bank. Published Wednesday. Effective Oct. 10.

CURRENCY TRANSACTIONS II: Fincen has adopted a rule that would free banks from filing reports on currency transactions involving other banks, government agencies, or corporations listed on the national stock exchanges. Published Monday. Effective Dec. 8.

FIREWALLS: The Fed abolished nearly two dozen barriers that separate investment and commercial banking. The change will make it easier for banks to offer one-stop service to corporate customers that seek both underwriting and traditional products. Published Aug. 27. Effective Oct. 26.

CHARTER CONVERSIONS: The OTS made it easier for credit unions to become federal mutual thrifts, eliminating a step in the application process. Published and effective Aug. 27.

REGULATION E: The Fed exempted state and local governments from Regulation E when they are delivering food stamps and other benefits electronically. Published Aug. 14. Effective Sept. 15.

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