WASHINGTON (10/23/15)--Under a new plan to restructure the Federal Deposit Insurance Corp.’s (FDIC) reserves, roughly two-thirds of big banks will soon be required to pay more in assessments, according to the FDIC (American Banker Oct. 22). The agency forecasts that its Deposit Insurance Fund will climb to 1.15% of all insured deposits by early 2016. Once the FDIC reaches that mark, the largest banks will be asked to pay a 4.5 basis-point surcharge for two years to help push the fund to a reserves-to-insured-deposits ratio of 1.35%. As a result, the banks will pay more in assessments than their current levels. The FDIC approved the proposal Thursday. “This proposal takes a balanced approach,” said FDIC Chair Martin Gruenberg (American Banker). “The assessment surcharges on large institutions would be spread out over time and should be fully manageable for the institutions” …