Summer is here and the regulators are vacationing.

Comptroller of the Currency Eugene A. Ludwig and his family just took off for a three-week sojourn in France. Ricki Helfer, chairman of the Federal Deposit Insurance Corp., is taking a few days off this week but plans to stay in town. Jonathan Fiechter, acting director of the Office of Thrift Supervision, spent last week cycling 50 to 100 miles a day, touring Virginia's Civil War battlefields.

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