Article: nation and world.(Front)

FDIC requires banks to prepay premiums

WASHINGTON | U.S. banks will prepay about $45 billion in premiums to replenish a federal deposit insurance fund now in the red, under a plan adopted Thursday by federal regulators. The Federal Deposit Insurance Corp. board voted to mandate the early payments of premiums for 2010 through 2012. Amid rising loan defaults, 120 banks have failed so far this year, costing the insurance fund more than $28 billion.

To address concerns of small banks in weak financial condition, the FDIC also set up an exemption process for those that prove the prepaid fees would be a hardship. The FDIC expects the cost of bank failures to ...

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