** FILE** Federal Deposit Insurance Corporation (FDIC) Chair Sheila Bair testifies on Capitol Hill in Washington, Thursday, Feb. 17, 2011, before the Senate Banking Committee hearing on the Dodd-Frank law, the sweeping financial reforms passed six months ago to prevent a repeat of the economic crisis. (AP Photo/J. Scott Applewhite)

Photo by: J. Scott Applewhite

** FILE** Federal Deposit Insurance Corporation (FDIC) Chair Sheila Bair testifies on Capitol Hill in Washington, Thursday, Feb. 17, 2011, before the Senate Banking Committee hearing on the Dodd-Frank law, the sweeping financial reforms passed six months ago to prevent a repeat of the economic crisis. (AP Photo/J. Scott Applewhite)