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Instructions for Form 5405 (Rev. December 2011) First-Time Homebuyer Credit and Repayment of the Credit

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We need a prompt corrective action and orderly closure rule for large investment banks along the lines of what we have for banks in FIDICIA, the Federal Deposit Insurance Corporation Improvement Act of 1991. The assumption used to be that failure of a large bank would be much more costly for the economy than failure of a large nonbank, but that assumption has become less and less defensible.6 Nonbanks now provide a larger share of financial intermediation in the United States than banks. Large nonbanks are big players in derivative markets. Like large banks, large and entangled nonbanks are now.