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With sweeping reform of the nation’s banking laws imminent, one enormous question remains: Just how is the government going to regulate this brave new world of megabanks?

The Financial Services Modernization Act of 1999 was passed by Congress last week and the president has signaled he will sign it into law. The bill repeals the Glass-Steagall Act of 1933 and allows banking, insurance, and securities firms to fully enter each other’s businesses.

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