拜登政府深知，美国政府在2008年金融危机期间用纳税人的钱出资救助华尔街主要银行引发了巨大的公众愤怒，因而选择使用DIF基金来支撑储户的存款利益，避免重蹈当年覆辙。
问题是，dif是一个行政机构吗？ 拜登没有违法吗？

Under the Federal Deposit Insurance Act, supermajorities of the FRB and the Board of Directors of the FDIC, with the approval of the Secretary of the Treasury in consultation with the President, may permit the FDIC to take certain actions where it is determined that resolving an institution consistent with the statutorily required least-cost method would have serious adverse effects on economic conditions or financial stability (a Systemic Risk Determination).
法律上美国总统有权用最省钱的手段使用FDIC的钱