The AP is reporting that the FDIC is expected to ask banks to prepay $36B in fees:

It would be the first time the FDIC has required prepaid insurance fees. Under the plan, banks would have to pay in advance their insurance premiums for 2010-2012, bringing in about $12 billion for each of the three years,...

Off the table, at least for now, are the options of tapping the agency's $500 billion credit line with the Treasury Department...

Borrowing from the Treasury could create the undesirable impression of another taxpayer-financed bailout...

Now we know why banks aren't lending. They've been hording money to pay for an FDIC shakedown because bailing out the agency that bails out failed banking institutions is less tolerable.