WASHINGTON — Lawmakers moved one step closer to lightening the premium load on financial institutions Wednesday, when the Senate voted 91 to 5 to let the Federal Deposit Insurance Corp. borrow more from the Treasury Department to bolster its reserves.

The bill, authored by Senate Banking Committee Chairman Chris Dodd, would more than triple the FDIC's credit line with the Treasury Department, to $100 billion, to help shoulder costs from bank failures. In addition, the bill would make an even higher credit line available temporarily in emergency situations.

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