Bankers who are fighting for changes to legislation that would let bankruptcy judges reduce mortgage debt could find themselves in a weaker bargaining position if the Senate goes ahead with an idea to join the measure with a separate bill that could lead to a massive reduction in deposit insurance premiums.

Senate leaders said Tuesday they are still figuring out how to craft the mortgage bankruptcy reform so that it will attract enough votes for passage in the chamber, but they are considering coupling it with a bill to increase the borrowing authority of the Federal Deposit Insurance Corp. (FDIC).

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