Ellen Seidman, financial services policy director for the New America Foundation think-tank, said the FDIC should not take on that risk without also passing on the cost.

"They've got to take into account the additional risk that they're taking on in setting the premiums," she said. "I've seen some talk of saying, 'Well, we're going to increase the deposit limit but we're not going to increase the premiums.' I don't think that makes any sense." LINK to audio