Late last week, senior Treasury officials were telling members of Congress that the Administration was going to recommend that an individual be allowed to have no more than two $100,000 insured accounts in the entire banking system.

The F.D.I.C., which insures accounts up to $100,000, would also sell Freedom loans to any other local financial institution "so that the borrowers can maintain a banking relationship in their community," Mr. Seelig wrote in the letter, dated Dec. 26.

The government has already closed 410 credit unions, recovering more than half their assets but has said it will not insure accounts at credit unions beginning in 2004.

This resulted in the creation of the Federal Deposit Insurance Corporation (FDIC), which insures accounts against bank failure.

Back in the day, before the bailout, the FDIC insured accounts up to $100,000; since then the federales have temporarily extended the guarantee to $250,000 and in May continued the extension until December 31, 2013.

Airbus said in a statement that the financial director would be responsible for insuring full and open accounts in the group, forcing the Airbus partners to divulge their costs.

Some estimates say the fund, which insures individual accounts up to $100,000, could be insolvent by the end of the year, given the rising number of large bank failures.

The agency's Bank Insurance Fund insures accounts up to $100,000.

And that has fund leaders pondering ways to head off problems, from insuring accounts to setting up bad debt reserves to establishing capital requirements.

WPCU is federally insured by the National Credit Union Administration (NCUA), which insures accounts in federal and most state-chartered credit unions in the United States.