WASHINGTON — With a month and a half left in 2012, the window is closing for lawmakers to extend the Federal Deposit Insurance Corp.'s unlimited coverage of noninterest-bearing checking accounts.

Not only is time running out, but between an election and the start of a new congressional term, lawmakers start packing up offices or thinking about the next session. As a result, only a very finite amount of legislative business can get done in this "lame-duck" period.

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