http://www.blacklistednews.com/US_Budget_Bill_Stealthily_Allows_Banks_to_Use_Federal_Deposit_Insurance_to_Cover_Swaps_and_Derivates/39847/0/38/38/Y/M.html
US BUDGET BILL STEALTHILY ALLOWS BANKS TO USE FEDERAL DEPOSIT INSURANCE TO COVER SWAPS AND DERIVATES
Congress has agreed to use federal deposit insurance, which was designed to protect the savings accounts of consumers, to cover risky trading by the nation’s biggest banks. In a small provision in the budget bill, Congress agreed to allow banks to house their trading of swaps and derivatives alongside customer deposits, which are insured by the federal government against losses. Note: This destroys the last remaining albeit (limp wristed) protection Americans had left when they deposit their funds in these banks! If banks fail again, you'll never see your money.