WASHINGTON — The latest regulatory reform proposal from Senate Banking Committee Chairman Chris Dodd would have far-reaching implications for day-to-day operations at most banks and thrifts, changing which regulators oversee them and potentially broadening the number considered systemically important.

A key provision would leave the Federal Reserve Board in charge of the 55 holding companies with more than $50 billion of assets but give oversight of all the rest to the Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. — agencies that have never supervised holding companies.

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