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When a bank is failing, the chartering authority gives it 90 days to either recapitalize or sell itself. Financial regulators prefer the bank to succeed, but if it doesn't, the FDIC steps in with a 90-day resolution process. The FDIC's main goals are to protect insured depositors, minimize disruption, and resolve the bank at the least cost. The FDIC achieves this through expert analysis, managing the closing and sale of the bank's operations to another bank.