FDIC Chairwoman Sheila Bair, center, reads over documents as John K. Hardage, right, and John G. Walsh, left, both from the Comptroller of the Currency, talk to each other before the start of hearing at the House Financial Services on Capitol Hill in Washington, Wednesday, Sept. 23, 2009. AP Photo logo AP Photo 2 months ago

FDIC Chairwoman Sheila Bair, center, reads over documents as John K. Hardage, right, and John G. Walsh, left, both from the Comptroller of the Currency, talk to each other before the start of hearing at the House Financial Services on Capitol Hill in Washington, Wednesday, Sept. 23, 2009.

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  1. WASHINGTON - NOVEMBER 18: Treasury Secretary Timothy Geithner (R) talks with Small Business Administrator Karen Mills during a small business forum with Federal Deposit Insurance Corporation Chair Sheila Bair at the Treasury Department November 18, 2009 in Washington, DC. More than 100 small business leaders and politicians were invited by the White House to participate in the small business financing forum.
  2. FILE - In this Oct. 14, 2009 file photo, Federal Deposit Insurance Corporation (FDIC) Chair Sheila Bair, testifies on Capitol Hill in 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 by federal regulators.
  3. WASHINGTON - OCTOBER 29: U.S. Secretary of the Treasury Timothy F. Geithner speaks during a hearing of the House Financial Services Committee on Capitol Hill October 29, 2009 in Washington, DC. The committee called U.S. Secretary of the Treasury Timothy F. Geithner, Sheila Bair, chairman of the Federal Deposit Insurance Corporation, and others before it to testify about plans for regulatory reform.
  4. LONG BEACH, CA - OCTOBER 27: Sheila Bair, Arnold Schwarzenegger, Sir Richard Branson and Robin Roberts participate in a panel discussion at the 2009 Women's Conference held at Long Beach Convention Center on October 27, 2009 in Long Beach, California.
  5. WASHINGTON - OCTOBER 14: Chairman of the Federal Deposit Insurance Corporation (FDIC) Sheila Bair (L) testifies during a hearing before the Financial Institutions Subcommittee of the U.S. Senate Banking, Housing and Urban Affairs Committee on Capitol Hill October 14, 2009 in Washington, DC. The hearing was to examine the state of the banking industry.
  6. NEW YORK - SEPTEMBER 25: FDIC Chairman Sheila Bair attends a panel on finance at the Clinton Global Initiative (CGI) September 25, 2009 in New York City. The fifth annual meeting of the CGI gathers prominent individuals in politics, business, science, academics, religion and entertainment to discuss global issues such as climate change and peace in the Middle East. The event, founded by Clinton after he left office, is held the same week as the General Assembly at the United Nations, when most world leaders are in New York City.
  7. WASHINGTON - SEPTEMBER 23: Sheila Bair, chairman of the Federal Deposit Insurance Corporation (FDIC), participates in a House Financial Services Committee hearing on Capitol Hill, September 23, 2009 in Washington, DC. The committee is hearing testimony on the federal regulator perspectives on financial regulatory reform proposals.
  8. WASHINGTON - AUGUST 27: Federal Deposit Insurance Corporation Chairman Sheila Bair announces the bank and thrift industry earnings for the second quarter of 2009 on August 27, 2009 in Washington, DC. Bair said the FDIC has no plans to borrow money from the Treasury Department to shore up the shrinking deposit insurance fund despite bank failures surging.

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  1. FDIC Chairwoman Sheila Bair, center, reads over documents as John K. Hardage, right, and John G. Walsh, left, both from the Comptroller of the Currency, talk to each other before the start of hearing at the House Financial Services on Capitol Hill in Washington, Wednesday, Sept. 23, 2009.
  2. Sheila C. Bair, Chairman of the Federal Deposit Insurance Corporation (FDIC), speaks at the Women's Conference 2009 in Long Beach, California October 27, 2009.
  3. NEW YORK - SEPTEMBER 25: FDIC Chairman Sheila Bair attends a panel on finance at the Clinton Global Initiative (CGI) September 25, 2009 in New York City. The fifth annual meeting of the CGI gathers prominent individuals in politics, business, science, academics, religion and entertainment to discuss global issues such as climate change and peace in the Middle East. The event, founded by Clinton after he left office, is held the same week as the General Assembly at the United Nations, when most world leaders are in New York City.
  4. Sheila Bair, chairman of the Federal Deposit Insurance Corporation, participates in a panel discussion at the Clinton Global Initiative in New York September 25, 2009. About 1,200 participants including heads of state, business leaders, humanitarians and celebrities attended the fifth annual Clinton Global Initiative (CGI) which started on Tuesday.
  5. WASHINGTON - SEPTEMBER 23: Sheila Bair, chairman of the Federal Deposit Insurance Corporation(FDIC), looks over her papers while participating in a House Financial Services Committee hearing on Capitol Hill, September 23, 2009 in Washington, DC. The committee is hearing testimony on the federal regulator perspectives on financial regulatory reform proposals.
  6. WASHINGTON - SEPTEMBER 23: Sheila Bair, chairman of the Federal Deposit Insurance Corporation (FDIC), participates in a House Financial Services Committee hearing on Capitol Hill, September 23, 2009 in Washington, DC. The committee is hearing testimony on the federal regulator perspectives on financial regulatory reform proposals.
  7. WASHINGTON - SEPTEMBER 23: Sheila Bair, chairman of the Federal Deposit Insurance Corporation (FDIC), participates in a House Financial Services Committee hearing on Capitol Hill, September 23, 2009 in Washington, DC. The committee is hearing testimony on the federal regulator perspectives on financial regulatory reform proposals.
  8. WASHINGTON - SEPTEMBER 23: Sheila Bair, chairman of the Federal Deposit Insurance Corporation (FDIC), looks over her papers while participating in a House Financial Services Committee hearing on Capitol Hill, September 23, 2009 in Washington, DC. The committee is hearing testimony on the federal regulator perspectives on financial regulatory reform proposals.
  9. Chairman of the Federal Deposit Insurance Corporation (FDIC) Sheila Bair briefs the media on the bank and thrift industry earnings for the second quarter of 2009 while in Washington, August 27, 2009. The number of problem U.S. banks and thrifts on an official watchlist rose sharply to 416 in the second quarter of 2009 from 305 in the prior quarter, as the industry recorded a $3.7 billion loss. The FDIC said on Thursday that the industry swung back to a loss in the second quarter after reporting a $7.6 billion profit in the first quarter, primarily due to costs associated with rising levels of bad loans and falling asset values.
  10. Chairman of the Federal Deposit Insurance Corporation (FDIC) Sheila Bair briefs the media on the bank and thrift industry earnings for the second quarter of 2009 while in Washington, August 27, 2009. The number of problem U.S. banks and thrifts on an official watchlist rose sharply to 416 in the second quarter of 2009 from 305 in the prior quarter, as the industry recorded a $3.7 billion loss. The FDIC said on Thursday that the industry swung back to a loss in the second quarter after reporting a $7.6 billion profit in the first quarter, primarily due to costs associated with rising levels of bad loans and falling asset values.
  11. Treasury Secretary Timothy Geithner, center, makes opening remarks at the Small Business Financing Forum, Wednesday, Nov. 18, 2009, at the Treasury Department in Washington, Wednesday. From left are FDIC Chair Sheila Bair, Small Business Administration Administrator Karen Mills, Geithner, Sen. Mary Landrieu, D-La., and Rep. Nydia Velazquez, D-N.Y.
  12. Treasury Secretary Timothy Geithner, second from right, makes opening remarks at the Small Business Financing Forum, Wednesday, Nov. 18, 2009, at the Treasury Department in Washington. From left are, FDIC Chairman Sheila Bair, Small Business Administration Administrator Karen Mills, Geithner, and Sen. Mary Landrieu, D-La.
  13. FILE - In this Oct. 14, 2009 file photo, Federal Deposit Insurance Corporation (FDIC) Chair Sheila Bair, testifies on Capitol Hill in 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 by federal regulators.
  14. FDIC spokesperson Roberta Valdez shows identification to gain entry at a California National Bank branch in downtown Los Angeles October 30, 2009. Regulators are expected to seize Los Angeles-based California National Bank on Friday in what would be the fourth-largest U.S. bank failure this year, the Los Angeles Times reported, citing unnamed sources. The Wall Street Journal reported this month that Minneapolis-based U.S. Bancorp was eyeing an acquisition of Cal National's parent, FBOP Corp: a private group with more than $18 billion in assets that owns eight banks in Texas, Illinois, Arizona and California.
  15. Chairman of the Federal Deposit Insurance Corporation (FDIC) Sheila Bair speaks at the Women's Conference 2009 in Long Beach, California October 27, 2009.
  16. Chairman of the Federal Deposit Insurance Corporation (FDIC) Sheila Bair speaks at the Women's Conference 2009 in Long Beach, California October 27, 2009.

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