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Libor trial will also be a test for regulators

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British authorities have charged Tom Hayes, a 35-year-old former trader from Citigroup and UBS, with eight counts of conspiracy to commit fraud.

London

BANKS have paid billions. Regulators and prosecutors have extracted guilty pleas from financial institutions. Dozens of employees have been fired, and at least one chief executive has lost his job.

Now, on Tuesday, the first trader in the sprawling, half-decade-old

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