[Washington, D.C., July 24. Image via Getty]

WASHINGTON - JULY 24: Federal Deposit Insurance Corporation Chairman Sheila Bair listens to opening statements during a hearing of the House Financial Services Committee on Capitol Hill July 24, 2009 in Washington, DC. The committee heard testimony from the government's top financial regulators about the Obama Administration's plan to overhaul the regulation of financial institutions in the wake of the current economic downturn. (Photo by Chip Somodevilla/Getty Images)