1.   And Regulation Q, which capped the interest banks could pay depositors, has been repealed.

2.   Bank earnings usually improve when rates are lower because it means paying depositors less for their money.

3.   But the banks have seen no reason to pay depositors anything like that increase.

4.   Fixed-deposit accounts pay depositors about double the interest rate paid on regular savings accounts.

5.   The Bank of Japan added trillions of yen to the banking system in November to ensure that lenders would have enough money to pay their depositors.

6.   The federal insurance fund had to step in to pay depositors who wanted to withdraw their money.

7.   The loans are used to pay depositors seeking to withdraw money.

8.   The report says that for five years some public money might be needed to pay depositors after an institution fails.

9.   When the bank is forced to boost the rates it pays depositors, the gap narrows between what it collects and what it pays out in interest.

10.   The depositors will be paid from government funds, collected debts, and from the sale of real-estate owned by the three institutions.