WASHINGTON

The American Bankers Association urged regulators to withdraw their know-your-customer proposal and dismantle existing requirements. Page 2

Fed Governor Edward M. Gramlich warned that many rural banks may soon find themselves unable to fund small-business lending. Page 4

COMMUNITY/REGIONAL

The banking industry's war on fraud may be causing headaches for community institutions. Page 10

INVESTMENT PRODUCTS

INSURANCE: Marine Midland Bank is finding success with an insurance product that other banks have paid little attention to- simplified whole life. Page 12

IMPATIENT with its slow-growth business of selling car and home insurance, Allstate is planning to sell more investment products. Page 13

NATIONAL/GLOBAL

Citigroup promised shareholders the firm would double earnings every five years. Page 6

Four months after being forced out as president of BankAmerica, David A. Coulter is starting a venture that he said could take business away from banking companies. Mr. Coulter says he is developing high-tech payment services "to compete with the transaction platforms out there." Page 7

As banking has become more complex, trade groups have devised education programs to bring outside directors up to speed. Page 8

TECHNOLOGY

Wells Fargo is claiming another on-line first for a U.S. banking company: processing credit card payments over the Internet in multiple currencies. Page 15

CARDS

"Know your customer," a phrase associated with a proposed money- laundering regulation, describes banks' budding love affair with customer data, marketers say. Page 17

MORTGAGES

California subprime lender WMC Mortgage resumed flashing its money around, trying to boost loan volume by offering top-performing employees the opportunity to tool around in new Porsches. Page 21

Mortgage Guaranty Insurance said its private mortgage insurance can be canceled electronically on Alltel's servicing platform, reducing waiting time for customers expecting refunds. Page 21

MARKETS

Goldman Sachs co-chairman Jon S. Corzine said he would resign following the firm's initial public offering, which its partners approved Monday. Page 30

J.P. Morgan shares rose while the rest of the stock market paused after advances last week. Back page

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