WASHINGTON

Reforming the bankruptcy laws to crack down on borrowers could result in an average of 12% of filers repaying 74% of their debts, according to an Ernst & Young study. Page 2

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REGIONAL

Cleveland-based National City seriously considered changing its name because of a pending acquisition of First of America Bank, but has decided to keep its own moniker. Page 4

COMMUNITY

California banks are lending a helping hand to residents whose homes or businesses have been damaged by heavy rains, fallen trees, and mud slides - manifestations of El Nino. Page 5

A new Florida holding company has changed the name of its planned start- up bank, bowing to pressure from First Union, which has rights to the name. Page 5

MORTGAGES

HOME EQUITY: NationsBank is diving headfirst into a lending area that some worry may be shark-infested: Through its finance subsidiary, the bank is building a manufactured-housing unit that its president hopes will turn into a "force for other lenders to contend with." Page 6

INVESTMENT PRODUCTS

KeyCorp is getting out of the no-load mutual fund market after a three- year flirtation with the concept. Page 9

Fidelity Investments is scaling back some services geared to high-net- worth customers. Page 11

TECHNOLOGY

While some bankers use promotions heavily to attract customers to their on-line systems, others disdain such incentives as irrelevant to customers primarily looking for value. Page 12

DIGITAL FRONTIERS

SMART CARDS: Diebold will introduce a system this fall at Penn State University with cards that carry two magnetic stripes and a photograph of the cardholder. Page 14

CARDS

Mondex USA has appointed a PNC Bank executive to the new post of director of merchant strategy. Page 15

MARKETS

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