WASHINGTON - With a congressional hearing into recent regulatory failures looming, the Federal Deposit Insurance Corp. on Thursday tried to take a get-tough position on risky banks that pay no insurance premiums.

But the plan, to be laid out in a letter to bank executives early next week, is unlikely to deter House Banking critics who will grill FDIC Chairman Donna A. Tanoue and other top regulators Tuesday about several embarrassing and expensive bank failures.

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