581 (7th Cir. 2004). And when an insured bank fails, the FDIC acts in a receiver capacity, stepping into the shoes of the failed bank much like a trustee in bankruptcy. Id. As receiver, the FDIC attempts to preserve or enhance the value of the bank s assets and to dispose of them as quickly as possible, protecting depositors and maintaining confidence in the banking system. The parties refer to the FDIC acting in its regulatory capacity as FDIC-Corporate, and in its receiver capacity as FDICReceiver, and so do we. Plaintiffs Pethinaidu Veluchamy, Parameswari Veluchamy, Arun K. Veluchamy, Anu Veluchamy, and the Veluchamy Family Foundation, a family foundation established by the individual plaintiffs, collectively own 93.2% of First Mutual Bancorp of Illinois, Inc., a holding company that wasthe sole owner of Mutual Bank at Harvey, Illinois, a state-chartered bank (the Bank ). In 2007 and prior to June 2008, the Bank s capital category was well capitalized, the highest and best level of capitalization that an FDIC-insured bank may have. See 12 U.S.C. § 1831o(b)(1). However, after the Bank s June 2008 call report (a report on the financial conditions of a bank submitted quarterly to the FDIC, see 12 U.S.C. § 1817), FDIC-Corporate notified the Bank that its capital category was downgraded to adequately capitalized, and that it would need an additional $30 million of capital in order to be No. 10-3879 5 restored to well capitalized status. Plaintiffs met this requirement before the next call report was due in September 2008, arranging for