financial reform bills passed by the House and Senate.
Accompanying the analysis are two other reports charting the 12 main  areas where the bills diverge and their 18 main points of agreement. Both   bills would let banks, securities firms, and insurance companies own each   other, but they differ widely on ancillary issues.     
  
For example, the House bill includes provisions designed to protect the  privacy of a customer's financial information while the Senate bill would   make several changes to the Community Reinvestment Act.   
The documents are designed to help the 62-member conference committee  blend the two bills. 
  
That panel held its first meeting Aug. 3 and will resume its work when  Congress returns after Labor Day. The House voted 343 to 86 on July 1 to   approve its financial reform bill, HR 10.   
The Senate version, S 900, was approved May 6 on a 54-43 vote.
-- Barbara A. Rehm