WASHINGTON - Since April 19, state-chartered savings associations have been free to leave the Federal Home Loan Bank System. But so far, according to the Federal Housing Finance Board, which regulates the Home Loan banks, none of the 325 eligible institutions has given any indication that it plans to do so.

"If they were anxious to withdraw, it's likely they would have done it April 20," said Nicolas P. Retsinas, assistant secretary for housing of the Department of Housing and Urban Development and a director of the board.

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