ORLANDO, FLA., OCT. 24 -- Federal officials are discussing proposals that would reverse a decade of deregulation in banking by stepping up government oversight of financial institutions, demanding disclosure of more details about bank finances and imposing new lending rules aimed at reducing banks' exposure to risky business.

Federal Deposit Insurance Corp. Chairman L. William Seidman said the ideas on the table include hiring several hundred additional banking examiners to permit every bank to be examined every year and assigning full-time government monitors to more than 100 of the nation's biggest banks.

Seidman also wants to require banks to disclose to depositors and shareholders many more details of their finances, including the amount of loans made to various businesses and the geographic areas and the extent of potential losses on bad investments.

The suggestions have evolved over the past few weeks from regular meetings among top regulators at the three federal banking agencies -- the Office of the Comptroller of the Currency, which oversees national banks; the Federal Reserve, which regulates bank holding companies and state banks that are members of the Fed; and the FDIC, which has responsibility for most state banks.

Seidman sketched out the potentially far-reaching changes in bank regulation during a dinner meeting here with reporters at the annual convention of the American Bankers Association.

The most controversial of the proposals would attempt to discourage banks from risking too large a share of their depositors' money on any one type of business. That might be done by limiting the amount that could be invested or lent to a single industry, by requiring disclosure of large loan concentrations or by requiring banks to increase their capital if more than a predetermined portion of their loans are made to a single industry or geographic area.

"The most important and most difficult" change, Seidman said, should be to find a way to limit concentration of lending, which he said is proving to be one of the biggest causes of bank failures. "We all know that concentration can be fatal," he said, citing the dozens of banks that have gone broke because they lent a huge portion of their deposits to real estate developers.

In the past, Seidman added, bankers were careful to diversify their lending so that if one business or one area of the country experienced a slowdown, other regions or businesses would still be strong. "Lack of diversification increases risk," Seidman said. "We don't know what is risky business, but we do know that putting all your eggs in one basket is concentrating risk."

The suggestions might reverse the direction the government has taken in the past 10 years, but they are necessary, he said, because of what has happened to the banking system as the result of cutbacks in federal supervision and regulation.

"The results we've had are not acceptable," said Seidman. "I don't think anybody can look at the kind of losses we've had in the industry and the {FDIC deposit insurance} fund and say they are acceptable."

Most of the proposals being discussed could be implemented by the agencies on their own authority without new legislation. Because they are independent agencies, the FDIC and the Federal Reserve could issue their own regulations without White House approval. But the Office of the Comptroller of the Currency (OCC) is a part of the Treasury Department, which would have to give its endorsement to such important policy changes.

White House and Treasury officials are not yet involved in the process, but the regulatory agencies could be prepared to make specific suggestions by the end of the year.

Some of the proposals are "not much more than ideas," said OCC spokesman Lenore Cross. "All the regulators are looking at ways to better get accurate disclosure of what is going on at the banks and paying closer attention to what is going on in their loan portfolios."

Seidman said a decline in the quality of federal oversight is responsible for part of the rising cost of bank failures and he traced the decline to budget cutbacks during the Reagan administration. Between 1980 and 1984, the staffs of the FDIC and OCC were cut by almost one-third, he noted. Both agencies have steadily rebuilt their staffs since then and the FDIC has been authorized to add 600 examiners to its present complement of 3,200.

The two dozen largest banks now have teams of examiners assigned to them permanently. Seidman said that should be expanded to at least the 100 largest banks and perhaps the next 200 largest institutions, which would cover 80 percent of all bank deposits.