Further, the rules apply to lobbyists who must register with the federal government; many people who work for lobbying firms or in other areas of the influence business in Washington do not have to register, because they do not personally lobby federal officials on specific issues.

Mr. Podesta said he expected the transition to employ some 450 people and have a budget of about $12 million. Of that amount, $5.2 million will be paid by the government, with the remaining $6.8 million coming from private sources, he said. Contributions will be limited to $5,000, he said, and the transition will not accept money from political action committees.

During a presidential campaign in which he raised $650 million, Mr. Obama changed the rules of fund-raising, declining public financing and creating his own multimillion-member chain of donors. At least some of those contributors will be solicited for the transition.

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As a candidate, Mr. Obama laid out more detailed and onerous ethics rules than any previous prospective president, pledging to bar appointees for two years from working on matters involving their former employers, to prohibit departing officials from lobbying his administration for its duration and to require all political appointees to disclose publicly every meeting with registered lobbyists.

The rules have led to some grumbling that at a time of immense challenges, an Obama administration could be excluding a pool of substantial talent by stopping people from working for the White House in the areas they know best.

“I’ve heard the complaint,” Mr. Podesta said, “which is we’re leaving all this expertise on the side, because we’re leaving all the people who know everything out in the cold. And so be it. This is a commitment that the American public expects, and it’s one that we intend to enforce during the transition.”

It remains unclear how the rules will affect the inauguration. President Bush raised more than $40 million for his second inauguration, mostly from companies and executives.

While aides to Mr. Obama say they are keenly aware that a lavish celebration might not be well received given the faltering economy, they indicate that the historic nature of Mr. Obama’s inauguration and the expectations of high turnout all but guarantee that the occasion, on Jan. 20, will be a huge one.

Yet in one early sign that the celebrations are likely to be somewhat scaled back, Mr. Obama canceled fireworks on election night in Grant Park in Chicago, telling his advisers that the times were too serious for that type of festivity.

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“It’s going to be a balancing act,” one Obama aide said, “and I’m not sure how it’s going to be done.”