It would affect individual investors, banks, hedge funds and other financial institutions.

Many countries have regional holidays that affect banks in one city but not in another.

Because of the leverage associated with real estate, a fall in values would affect banks and other lenders.

The new institutions take deposits of more than $100,000 and are not subject to many of the regulations that affect traditional banks.

Mr. Reed also showed little concern about how his action might affect other banks.

Firstar's management team is excellent, he said, and the company does not have many problems, like foreign loan exposure, that affect even larger banks.

The proposed rule does not affect banks that act as sales agents for insurance company annuities.

A devaluation could affect banks and financial institutions worldwide with exposure to the country, he said.

I also understand your concern that the new regulations will disproportionately affect smaller banks.

The proposal will affect banks with assets over $50 billion in assets.