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May 2010 The Federal Deposit Insurance Company (FDIC), in charge of insuring deposits in American banks, has established a new method of calculating insurance premiums due by banks. The new table no longer takes into account the rating agencies' ratings. The financial ratios using these variables will be replaced by “a card”, a chart elaborated on the basis of a certain financial data. FDIC is blaming the rating agencies for not being able to anticipate the recent financial crisis.