WASHINGTON (MarketWatch) - Washington must turn its attention to resolving the threat to the economy from the dozen banks that are too-big-to-fail, said Richard Fisher, the president of the Dallas Federal Reserve Bank on Wednesday. In a speech to a conservative group in Washington, Fisher said the Dallas Fed will put forward a plan to split the big banks into multiple smaller businesses and also make clear that federal deposit insurance would only cover deposits at the commercial bank unit of each bank's holding company. Clients of the thousands of other subsidiaries of the large banks would have to sign waivers acknowledging that their activities are not protected by the federal safety net. Fisher said he recognized that it might take "many years" to undo "customer inertia and management habits" at too-big-to-fail banks.