An amendment that would permit commercial firms to acquire failing banks if no government assistance is provided, and if the FDIC determines that such acquisition is the least costly alternative to the taxpayer. The amendment would require that any bank acquired by a commercial firm must maintain "Level 1" capital ratios (the highest level); if not, the commercial firm would be required to divest its interests in the bank. Any commercial firm acquiring a bank under the amendment would be treated as a financial services holding company for purposes of the "firewall" provisions in the bill.