Resolving their dispute over loan-loss reserves, federal regulators issued joint guidance on how banks may prepare for economic turbulence without violating accounting rules. Page 2

Lenders should be forced to tell the government how much interest they charge on home mortgages, community activists said. Page 3


Republic Bancshares of St. Petersburg, Fla., said it expects to lose from $10 million to $13 million in the fourth quarter. Page 5


Founders Asset Management, the Denver mutual fund unit of Mellon Bank Corp., named Richard W. Sabo, a Prudential Securities executive, to be president and CEO. Page 6


Oberthur Smart Cards of France is teaming up with Electronic Data Systems to take on the U.S. card servicing market. Page 10


Donna Farmer has been named the first full-time CEO of the Smart Card Forum, a sign that an organization built on volunteerism is entering a new phase. "My role is to help build bridges between user groups who haven't seen the synergy between their businesses," she says. Page 11


HOME EQUITY: A Seattle company says the interactive Internet service it designed to help brokers submit subprime loan applications more efficiently is gaining momentum. Page 8

Ushering in a renewed focus on fair-lending, HUD and the MBA began programs to increase homeownership in traditionally underserved markets. Page 8


Meca Software says it is offering banks a way to give consumers what they want-including financial information from other institutions-with Internet banking software it is introducing. Page 13


Once considered a headache by creditors, the financing behind the $2 billion merger of Jefferson-Smurfit and Stone Container is now being called one of the most inventive of the year. Page 21


The nation's economy grew at a healthy 3.9% yearly rate in the third quarter, more than earlier guessed and probably delaying added interest rate cuts by the Fed, economists say. Back page

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