WASHINGTON

Lenders are scrambling to kill an amendment to the Senate's consumer bankruptcy reform bill that could let debtors keep their homes without paying their mortgages. Page 3

INVESTMENT PRODUCTS

While Fidelity Investments realigns the system it uses to sell mutual funds through banks, brokers, and insurance companies, its rivals are taking a wait-and-see approach. Page 6

Four months after it acquired First of America Bank, National City has no immediate plans to combine mutual fund families. Page 6

CARDS

EYES ON CREDIT: Reasoning that people who pay utility bills on time would be equally diligent about credit card bills, bankers are trying to get access to credit bureaus' data on utility subscribers. Page 10

MARKET MONITOR

Bank stocks have recently been so volatile that some market watchers wonder if they have topped out and are signaling an approaching bear market. The mercur-ial price behavior "is typical of late-cycle activity," suggesting a stalling bull market, says William Raftery, a Salomon Smith Barney analyst. Back page

Some bank stocks may be encountering turbulence from a new direction: cyberspace. Page 25

COMMUNITY

Small banks should get used to borrowing from Federal Home Loan banks to boost liquidity and fund growth, a consultant advised. Page 12

MORTGAGES

There is fresh proof that California's housing recovery is in full swing, according to a survey of the California Association of Realtors. Page 13

Despite relatively low interest rates, refinancing has been tame for small and large lenders. Page 13

TECHNOLOGY

The closing of an international joint marketing venture is coming back to haunt Diebold. The company said its second-quarter revenues fell 7%. Page 14

CORPORATE FINANCE

An explosion of high-yield debt is in the offing globally, investment bankers say, and U.S. markets are likely to supply the model for it. Page 24

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