WASHINGTON — Bankers often blame regulatory severity for the recent freeze in new bank charters. But the Federal Deposit Insurance Corp. says it is to trying to grant an opening.

The agency's recent document clarifying chartering policy for bank organizers and investors is triggering hope that applications will start to rise. Among other things, the document spells out a three-year requirement for new banks to hold capital above industry norms, which contrasts with a belief inside the industry that the FDIC has been ordering a longer period of heightened capital.

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