CITIGROUP would have begun a significant restructuring in early 2000 if financial reform had not been enacted this year, its top lobbyist said. Page 2

THE FDIC CHAIRMAN would gain sole authority to order a special examination of any financial institution under legislation introduced by House Banking Chairman Jim Leach. Page 2

FLAGSTAR BANCORP of Michigan wants to sell certificates of deposit on-line -- but not just its own. It wants banks nationwide to participate. Page 6

DIRECTORS of a California bank are digging deep into their own pockets to lift it out of regulatory hot water. Page 7

PUBLICARD HAS HIRED a top sales executive at Verifone to become its president and chief executive officer. Page 11

THE ARCHITECT of the modern Chase Manhattan said he would retire as chairman and director on Jan. 1. Walter V. Shipley will be succeeded by chief executive officer William B. Harrison Jr. The title of president will disappear, and Mr. Harrison, 55, will be the chairman and CEO. Page 5

A MOVEMENT against ATM surcharges appears to be picking up steam in cities across the nation. Page 4

AS MORE BANKS offer subprime mortgages new voices are calling for vigilance against predatory lending in poor communities. Page 10

CYBERGOLD has entered the micropayments business, letting people shop on-line with the cash rewards they get for visiting certain Internet sites. Page 12

FIRST INTERNET BANK of Indiana has received an equity investment of $12 million from the commercial finance unit of Newcourt Credit. Page 13

GEMPLUS, a smart card firm that emphasizes information security, is making an alliance with the digital certificate company Baltimore Technologies. Page 14

NATIONAL CITY's stock price fell after its announcement that fourth-quarter and full-year earnings will be short of expectations. Back page

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