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WASHINGTON — The government’s top campaign finance regulator says John McCain can’t drop out of the primary election’s public financing system until he answers questions about a loan he obtained to kick-start his once faltering presidential campaign.

Federal Election Commission chairman David Mason, in a letter to McCain this week, said McCain needs to assure the commission that he did not use the promise of public money to help secure a $4 million line of credit he obtained in November.

McCain’s lawyer, Trevor Potter, said Wednesday evening that McCain has withdrawn from the system and that the FEC can’t stop him. Potter, who was FEC chairman in 1994, said the campaign did not encumber the public funds in any way.

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