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A.J. King, the CEO of Three Rivers Bank in Kalispell, Mont., sitting at his office. King says his bank shouldn't have to pay for mismanagement at Silicon Valley Bank and Signature Bank. Courtesy of A.J. King hide caption

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Courtesy of A.J. King

It cost $22 billion to rescue two failed banks. Now the question is who will pay

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Liz Southers runs a commercial insulation company in South Florida. She says the company could grow faster if it had access to more credit. SouthCo Insulation hide caption

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SouthCo Insulation

Banks are spooked and getting stingy about loans – and small businesses are suffering

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VALLEJO, CALIFORNIA - APRIL 15: In this aerial view from a drone, rides sit idle at Six Flags Discovery Kingdom on April 15, 2020 in Vallejo, California. Amusement parks in California have been temporarily closed as the state's residents are under a shelter-in-place order in an effort to slow the spread of the COVID-19 virus. (Photo by Justin Sullivan/Getty Images) Justin Sullivan/Getty Images hide caption

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Karen Bleier/AFP via Getty Images

Federal Reserve Vice Chair for Supervision Michael S. Barr appears before the Senate Banking, Housing and Urban Affairs Committee in Washington, D.C., on March 28, 2023. The collapse of Silicon Valley Bank has sparked scrutiny from lawmakers who want to know what went wrong and whether regulators did enough to oversee the lender. Win McNamee/Getty Images hide caption

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Win McNamee/Getty Images

5 things we learned from the Senate hearing on the Silicon Valley Bank collapse

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Alex Goldmark

Federal Reserve Chair Jerome Powell speaks during a news conference at the Federal Reserve in Washington, DC, on Feb. 1, 2023. The Fed on Wednesday raised interest rates again, opting to continue its fight against inflation despite turmoil in the banking sector. Saul Loeb/AFP via Getty Images hide caption

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Saul Loeb/AFP via Getty Images

The Fed raises interest rates again despite the stress hitting the banking system

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Treasury Secretary Janet Yellen said that depositors at small banks could be eligible for the same kind of protection extended to customers at two regional banks that failed this month. Yellen made the remarks at a speech she delivered to the American Bankers Association on March 21, 2023. Jim Watson/AFP via Getty Images hide caption

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Jim Watson/AFP via Getty Images

Janet Yellen says the U.S. is ready to protect depositors at small banks if required

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The First Republic Bank sign is shown in Oakland, Calif., in front of one of the lender's offices on March 16, 2023. First Republic shares continued to fall on Monday amid concerns about its financial health. Justin Sullivan/Getty Images hide caption

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A customer exits a First Republic Bank branch in Manhattan Beach, Calif., on March 13, 2023. The midsized lender was rescued by a group of top banks after suffering an exodus of depositors following the collapse of two U.S. banks. Patrick T. Fallon/AFP via Getty Images hide caption

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Noah Berger/AFP via Getty Images

Traders work on the floor of the New York Stock Exchange in New York City on Tuesday. Stocks tumbled on Wednesday amid fears that worries about the banking system were widening to other parts of the world. Timothy A. Clary/AFP via Getty Images hide caption

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Timothy A. Clary/AFP via Getty Images

Stocks drop as fears grow about the global banking system

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WASHINGTON, DC - MARCH 07: Federal Reserve Chair Jerome Powell testifies before the Senate Banking Committee March 7, 2023 in Washington, DC. Powell spoke on the state of the U.S. economy and suggested that interest rates will need to stay higher for longer than expected in order to curb inflation. (Photo by Win McNamee/Getty Images) Win McNamee/Getty Images hide caption

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Win McNamee/Getty Images

The Fed's new dilemma: Protect banks or fight inflation?

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The FDIC normally insures deposits up to $250,000. It made an exception when Silicon Valley Bank and Signature Bank collapsed, guaranteeing all deposits at both banks. Peter Morgan/AP hide caption

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Peter Morgan/AP

Will the FDIC's move to cover uninsured deposits set a risky precedent?

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People line up outside of a Silicon Valley Bank office on Monday in Santa Clara, Calif. Days after Silicon Valley Bank collapsed, customers are lining up to try and retrieve their funds from the failed bank. Justin Sullivan/Getty Images hide caption

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The White House is avoiding one word when it comes to Silicon Valley Bank: bailout

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