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Banks needed agency's permission to keep businesses running after pleas on FX rigging charges.
Fines and penalties to total $5.8 billion.
Rewrite of Dodd-Frank would raise bar for deeming banks systemically important.
FOMC minutes leave open option of tightening later this year.
Six years into the recovery, many still face shortfalls.
Bank will pay $545 million in fines.