Federal Reserve Chairman Ben Bernanke testifies on Capitol Hill in Washington, Monday, Oct. 20, 2008, before the House Budget Committee. (AP Photo/Lawrence Jackson)

Federal Reserve Chairman Ben Bernanke speaks at the Economic Club of New York Wednesday, Oct. 15, 2008. (AP Photo/Mark Lennihan)

Joint Economic Committee Chairman Sen. Charles Schumer, D-N.Y., right, and the committee's Ranking Republican, Rep. Jim Saxton, R-N.J., left, listen as Federal Reserve Chairman Ben Bernanke, back to camera, testifies before the committee, Wednesday, Sept. 24, 2008, on Capitol Hill in Washington. (AP Photo/Charles Dharapak)

Federal Reserve Chairman Ben Bernanke testifies on Capitol Hill in Washington, Wednesday, Sept. 24,2008, before the Joint Economic Committee hearing on the market turmoil. (AP Photo/Susan Walsh)

Federal Reserve Chairman Ben Bernanke testifies on Capitol Hill in Washington, Wednesday, Sept. 24, 2008, before the Joint Economic Committee. (AP Photo/Susan Walsh)

Federal Reserve Chairman Ben Bernanke, right, accompanied by Treasury Secretary Henry Paulson, testifies on Capitol Hill in Washington, Tuesday, Sept. 23, 2008, before the Senate Banking Committee hearing on the credit market turmoil. (AP Photo/Susan Walsh)

Protesters hold up signs as lawmakers, seen at rear, question witnesses Federal Reserve Chairman Ben Bernanke, Treasury Secretary Henry Paulson, Security and Exchange Commission Chairman Christopher Cox, and Federal Housing Finance Agency Director James Lockhart, all not pictured, on Capitol Hill in Washington, Tuesday, Sept. 23, 2008, during a Senate Banking Committee hearing. (AP Photo/Charles Dharapak)

Federal Reserve Chairman Ben Bernanke, left, and Treasury Secretary Henry Paulson are seated at the witness table on Capitol Hill in Washington, Tuesday, Sept. 23, 2008, prior to testifying before the Senate Banking Committee. (AP Photo/Charles Dharapak)

Senate Banking Committee Chairman Sen. Christopher Dodd, D-Conn., right, greets Federal Reserve Chairman Ben Bernanke, left, and Treasury Secretary Henry Paulson, center, on Capitol Hill in Washington, Tuesday, Sept. 23, 2008, prior to the committee's hearing. (AP Photo/Charles Dharapak)

Acting Chairman and Commissioner of the U.S. Commodity Futures Trading Commission Walter Lukken, from left, Federal Reserve Chairman Ben Bernanke, Chairman of the Securities and Exchange Commission Christopher Cox, back to camera, and Federal Reserve Governor Kevin Warsh speak outside the West Wing of the White House after a meeting with President Bush, Tuesday, Sept. 16, 2008, in Washington. (AP Photo/Lawrence Jackson)