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Bernanke_Live.jpg

Federal Reserve Chairman Ben S. Bernanke addresses the Economic Club of Minnesota on Thursday, Sept. 8, 2011, in Minneapolis. (Associated Press)

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ASSOCIATED PRESS Federal Reserve Chairman Ben S. Bernanke said last week that "The country would be well-served by a better process for making fiscal decisions."

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Bernanke Debt Showdow_Lea.jpg

Federal Reserve Chairman Ben S. Bernanke testifies on Capitol Hill in Washington, Thursday, July 14, 2011, before the Senate Banking Committee to deliver the semiannual Monetary Policy Report. (AP Photo/Susan Walsh)

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Federal Reserve Chairman Ben S. Bernanke prepares to testify before the House Financial Services Committee on Capitol Hill in Washington on Wednesday, July 13, 2011. In his semiannual report to the panel, Mr. Bernanke said the Fed would provide additional stimulus to the economy if the current lull persists. (AP Photo/Carolyn Kaster)

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The mounting federal debt is "the most important problem, at least in the longer term, that the United States faces," Federal Reserve Chairman Ben Bernanke said at a news conference Wednesday. (Associated Press)

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** FILE ** Federal Reserve Chairman Ben S. Bernanke

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Federal Reserve Chairman Ben Bernanke said it is important for banks to adapt to a changing regulatory environment. He said community banks will play a vital role since they are an important source of loans for small businesses. (Associated Press)

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RESOLUTE: Federal Reserve Chairman Ben S. Bernanke recommends against deep spending cuts this year. (Associated Press)

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Financial Overhaul_Lea.jpg

Federal Reserve Chairman Ben S. Bernanke testifies on Thursday, Feb. 17, 2011, on Capitol Hill in Washington at the Senate Banking Committee hearing on the Dodd-Frank law, the sweeping financial reforms passed six months ago to prevent a repeat of the economic crisis. (AP Photo/J. Scott Applewhite)

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**FILE** Federal Reserve Chairman Ben S. Bernanke (Associated Press)

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Federal Reserve Chairman Ben Bernanke takes his seat on Capitol Hill in Washington Friday, Jan. 7, 2011, prior to testifying before the Senate Budget Committee. (AP Photo/Alex Brandon)

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Fed Chairman Ben S. Bernanke attends a Financial Stability Oversight Council meeting in Washington on Tuesday. (Bloomberg)

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Germany US Bernanke _Thir.jpg

Federal Reserve Chairman Ben Bernanke delivers his keynote speech at the sixth European Central Bank Central Banking conference in Frankfurt, Friday Nov. 19, 2010. (AP Photo/Kai Pfaffenbach,Pool)

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Federal Reserve Chairman Ben S. Bernanke

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BLOOMBERG Ben S. Bernanke, Federal Reserve chairman, speaks at the "Mortgages and the Future of Housing Finance" symposium in Arlington, Va. He said the central bank and other regulators are examining financial firms' home-foreclosure practices.

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Federal Reserve Chairman Ben S. Bernanke advised Congress earlier this year to avoid big spending cuts now and rein in spending on entitlement programs such as Social Security and Medicare over the next five to 10 years. (Associated Press)

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Federal Reserve Chairman Ben Bernanke testifies on Capitol Hill in Washington, Thursday, Sept. 2, 2010, before the Financial Crisis Inquiry Commission. (AP Photo/Manuel Balce Ceneta)

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Federal Reserve Chairman Ben Bernanke, right, and Robert Zoellick, left, president of the World Bank, leave for the lunch break from the morning session of the annual Federal Reserve conference, Friday, Aug. 27, 2010, in Jackson, Wyo. (AP Photo/Reed Saxon)