FACTBOX-Government's draft legislation

LONDON (Reuters) - The government unveiled its legislative programme on Wednesday. It includes banking reform, measures designed to improve education and health services, bills to improve policing and tougher rules for those wanting British citizenship.

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Below are some of the key elements of proposed bills.

BANKING

* The central bank will be allowed to lend money covertly to institutions. There was a run on Northern Rock bank in September after news broke that it had to seek emergency funding from the Bank of England. Northern Rock was nationalised in February.

* A "special resolution regime" to allow authorities to intervene when a bank gets into severe difficulties, a new insolvency regime for banks. This would let the government step in and seize operational control of an institution in trouble.

* The Bank of England will be given a financial stability objective. The idea is to beef up its responsibility for managing market shocks and give central bank senior officials more clout.

* The Financial Services Authority regulator will be able to collect information from banks in difficulties and share it with the Financial Services Compensation Scheme.

HEALTH