Richard Davis, chairman, president and chief executive officer of U.S. Bancorp, is emerging as one of the key industry figures in discussions with the White House and Congress regarding the overhaul of financial regulations. Mr. Davis said his view that, "as an industry, we failed the American people" was shared by many of his colleagues. As chairman of The Financial Services Roundtable, Mr. Davis' stance and analysis of what caused the crisis will become part of the debate.

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