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Measure fails procedural vote; unlimited FDIC backing now likely to expire at year-end.
AFP survey shows half of companies would move money from banks to money funds, Treasuries.
The charge, buried in a recent regulation, works out to tens of millions of dollars for the largest companies, employers say.
White House, congressional staff face a not-so-jolly holiday at their desks.
Manipulation flourished for years, even after bank supervisors were notified.
Fed moves into uncharted territory by tying its rate outlook to unemployment and inflation.