31.   Federal bank regulators usually put into effect the rules they propose, but sometimes make modifications based on the comments they receive.

32.   Federal bank regulators also are conducting a review, and the matter is a key allegation in lawsuits seeking class-action status filed against the company.

33.   Federal bank regulators have said that Mrs. Clinton drafted a document that was meant to deceive regulators about the financing of the project.

34.   For example, bank regulators now take into account the way individual banks measure their exposure to risk in the derivatives markets.

35.   For one thing, bank regulators have enormous discretion in ruling on applications for mergers, the opening or closing of branches and expansion into new financial services.

36.   He added that central banks need to maintain independence to act as bank regulators without outside influence.

37.   If lenders discriminate by race, it is up to bank regulators and the Justice Department to enforce anti-bias laws.

38.   In addition to the overlapping offices, bank regulators could force the sale of some branches in areas where BayBank of Boston has a stranglehold on the local market.

39.   In recent months a string of high-level scandals affecting everything from featherbedding by bank regulators to cover-ups of police misdoings hurt his popularity.

40.   In the absence of congressional action, bank regulators have taken steps on their own to update financial services laws.