December 9, 1993

The Clinton Administration proposed tough new tests today that are intended to insure that banks end discrimination in their lending to members of minority groups and to people with low and moderate incomes. The changes are the latest effort by the Administration to broaden access to credit, financial services and investments. Officials predicted that people and businesses in these groups would gain access that they might not otherwise get to billions of dollars in credit once the proposals take effect in 1995.

The gun used in the shooting on the Long Island commuter train, a 9-milimeter Ruger, appears to have been purchased legally by the suspect in Southern California last May after a 15-day waiting period. Page B10.

The man accused of opening fire on a Long Island Rail Road commuter train and killing five people was arraigned on murder charges yesterday, as officials released a sheaf of handwritten notes in which he vented his rage about everyone from Gov. Mario M. Cuomo to the state Workers' Compensation Board to Asians, whites and "Uncle Tom Negroes." The suspect was identified as Colin Ferguson, 35, a black Brooklyn resident who emigrated from Jamaica in 1982, made the dean's list at Adelphi University in Garden City, L.I., and later worked at a Long Island burglar alarm company.

DEATH ON THE L.I.R.R. NOTES FOUND ON SUSPECT SET FORTH MANY HATREDS The man accused of opening fire on a Long Island Rail Road commuter train, killing five people, was arraigned on murder charges as officials released notes in which he vented his rage about everyone from Governor Cuomo to the state Workers' Compensation Board to Asians, whites and "Uncle Tom Negroes." A1. Aboard the train, an instantaneous scramble of terror and fear. A1.

Mayor-elect Rudolph W. Giuliani yesterday named as his budget director Abraham M. Lackman, a man with a broad knowledge of New York City's finances gained from previous encounters with city administrations -- most of them adversarial. For the last decade, Mr. Lackman has been a senior fiscal adviser to the Republican-controlled State Senate, which has often jousted with the Democrats who have long dominated City Hall. Now he will be the main official dealing with perhaps the most difficult problem facing the Republican-Liberal Mayor-elect -- how to close future budget deficits estimated at $2 billion a year.