21.   Federal regulators have the legal authority to impose fines or even ban a bank or savings institution from selling mutual funds.

22.   Fleet will have a say in who gets the prizes, but federal regulators will have a big say in the matter as well.

23.   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.

24.   Government regulators would have to review a merger, looking to see if too much market concentration would result.

25.   Generally, the state insurance regulators have tiny staffs and tiny budgets compared with the enormous companies they oversee.

26.   Government environmental and other regulators would have to approve the projects.

27.   Hart said the state will consider a new license only when all proposed changes have been made and regulators have had time to see them in action.

28.   He noted that the way the bank restructuring was organized, regulators had access to vast pools of money to rescue some banks and not others.

29.   However, U.S. regulators have no authority to do animal-care inspections in other countries.

30.   Human services department regulators also have the option of imposing administrative fines against deficient nursing homes.