The Obama administration adopted this option, following the unpopular Troubled Asset Relief Program, which injected hundreds of billions of public dollars into the banking system (most of which has been repaid). But some US banks, including Bank of America and Citi, are still vulnerable, with considerable toxic assets (mainly related to home mortgages) on their balance sheets.
奥巴马政府在实施了不受欢迎的问题资产救助计划（就是将数千亿美元公共资金注入银行系统，其中许多资金都得到了偿还）之后也采用了这一选项。但包括美洲银行和花旗银行在内的某些美国银行依然脆弱不堪，其资产负债表上依然存在大量有毒资产（主要涉及到房屋抵押债券）。