The staff of the Federal Deposit Insurance Corp. advised its board to postpone premium changes beyond a 0.03 percentage point increase due to take place at the beginning of the year because bank failures are expected to slow. "I think we just hold the course for now," FDIC Chairwoman Sheila Bair said. "We still expect bank failures to peak this year and begin to taper off next year as the banking industry continues to heal and recover."

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