By Joe Adler

AUG 7, 2009 10:11pm ET

Trio of Failures Stretches '09 Total to 72

Regulators closed two community banks in Florida, and one in Oregon, Friday evening to bring the year's failure total to 72.

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Emailed

Facebook's securities filings show its Facebook Credits digital currency business is exploding. Does it pose a serious threat to banks?

Yes. Facebook Credits threatens to cut off banks from transactions and customer data.

12%

No. A system the enables users to pay for online games and page upgrades is a harmless niche.

32%

Maybe. It depends on whether Facebook makes an aggressive move into ecommerce.

56%

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