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Online banking portals for Barclays and Wells Fargo are now scanning customers' eyes, fingers in place of passwords.
Spending growth in May outpaced revenue gains, Treasury says.
A change would smooth FX volatility and reduce the role of markets.
Credit arbiters expect Congress to reach an agreement on the debt limit before it becomes a problem.
Officials are uncertain about moves impact on financial markets.
A lower loan rate means pledging assets, irking bondholders.