The five-member board of the Federal Deposit Insurance Corp. approved a proposal to change the way fees are assessed for deposit insurance for banks with assets of more than $10 billion. The measure would help regulators gauge the risk profile of individual banks, and those deemed riskier would face higher fees. Sheila Bair, chairwoman of the FDIC, said the goal of the proposal is for banks to pay higher fees when they are taking on more risk, which is usually when economic times are good.

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